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So is now still a good time for you? Yeah. Per perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. Perfect. And just for security purposes, so that I can confirm I'm speaking with the right person, could I please get you to confirm your full name, date of birth, and address, please? Yep. Perfect. And how's your day Thank you. And how's your day been? Been busy? Well, I won't keep you for too long, Steven. Today is pretty straightforward. Now do you have access to your emails at the moment by any chance? Yes. If you do, it does makes it a little bit easier when I go through it if you can access your email. Email. Yes. That's the one. Now when you click on the link, it will then open up the strategy recommendation so that I can go through it with you before, obviously, it prompts you to sign anything just to make sure you, obviously, you are happy with the the change. Yes, please. Yes. Yep. That's okay. And it should then open up a document where it says statement of advice. Yep. Perfect. So every time we do make a recommendation for you, Steven, we have to put everything in the statement of the device just to make sure that you fully understand everything. Now a lot of it is just for compliance purposes, and today is pretty straightforward. So even though the document is 36 pages, I won't go through all of that with you. I'll just kind of go through the most important points, and then you can always have a read over it in your own time if you do have any questions. Perfect. Now on the cover page, you can also see my details listed. So you can see my authorized representative number listed there, and I am licensed under Every time we do make a recommendation as well, we do always follow that best interest duty, which is outlined on page two. Do you remember ever hearing about that before? Yep. Okay. Perfect. Yeah. Obviously, everything we do has to be in your best interest at all time, and that advice has to put you in a better position as a result of the advice. Now if you wanna scroll through for me, you will see table of content, pretty self explanatory. You then have scope of advice. Can you see that? Yep. Perfect. So, essentially, today, all we're looking at is your superannuation, specifically your investments to see if we needed to make any tweaks and changes to any investments to make sure everything is growing, and putting you in the best position for your retirement, not making any changes otherwise to insurances or anything. It's literally just reviewing your super investments. And you kind of remember that conversation we had after the interview? Yeah. Okay. Perfect. So if you wanna scroll through to what the actual advice talks about. So as you scroll through, you'll talk you'll see a couple of pages. It talks about about you, just some information from the fact line we did. It shows you your assets and your liabilities. It then shows you so if you wanna go to page nine, it then shows you your current due and insurances, if you can see that. Yep. So it shows you kind of what we talked about during the annual review that you obviously have your hub 24 where you have majority of your funds, and you do have c bus as well for those insurances, which you can see your life and TPD, outlined within Cbus for you. Now if you wanna go to the next page, it talks about that risk profile. Can you see that page okay? Yep. Perfect. So kind of referring back to again the under review where we did talk about your risk profile. So we are not making any changes when it comes to your risk profile. We are keeping you in that growth profile that you currently have, just making a couple of changes in regards to your investments. The growth is still appropriate for you based on all of your time until retirement, what you are comfortable with, and that we are trying to grow that super as much as possible before you do retire. Any questions so far? Well, that's pretty straightforward. Yep. Perfect. Now if you want to then scroll down for me to page 16, it basically shows you the recommendation in a table to make it a little bit, nice and easy. And the pages that you did scroll past, it basically summarizes, this table, but just in words for you as well to make it easy. But I sometimes find just kind of looking at it and talking about it here makes it a bit easier. Let me know if you can see that fee comparison table. Oh, that's that's okay. It's always you can always go back and have a look at it on a computer or anything like that later. But yeah. No. That's okay. Now, essentially, essentially, what I did look at for you, I did also do some research on your hub twenty four account just to see if it's still going to be the best option for you because there's always new super funds and products and features that come out to the market. So it is good to reassess it every now and then. Get us to make sure because there's nothing obviously tying us to hub twenty four. It's just having a look at if it's still the best option for you. And after doing our research, it's still very much is a competitive option. So I have recommended that you stay in Hub 24 and you stay in the C bus, literally just changing some of the investments because hub twenty four is still very competitive when it comes to the fees and the the functions and the investment choices. So it's still very much a good option. Now in your C bus account as well, you do have 10,008 in there. And typically speaking, we do wanna leave about 10,000 just to make sure your insurances continue to remain active. So the good thing is that you're basically okay. And how much are you looking at putting in? Okay. Perfect. Yeah. And $50 a week keeps you under those contribution caps as well, which which is great. So just for your reference, with the concessional contributions, sorry, from your employer and you making, like, salary sacrifice contributions, there is a limit each year what you can put in. And for this financial year, it's at 32,500. So you have plenty of space to do that $50 a week, which is good. So if you, for some reason, wanted to put a lot in, just give me a call just so I can run the numbers for you first. Okay? Yeah. Perfect. But no. Otherwise no. That's good. But, yes, otherwise, it's all going good. Every time we do an under review, when we do catch up, we can kind of look at how much you have in Cbus. And if it is that there's more going in, because, obviously, more with more contributions, then if appropriate, we can always roll a little bit like, do a little bit of a partial rollover into Hub if it's appropriate because we wanna make sure we have the most amount of money in the super fund that's gonna give you the most amount of growth. Yes. But at the moment, doesn't grow near as much. No. The the return on the investment yes. The return on investment's not as good. And that's why we wanna make sure we keep as close to that 10,000 as possible because we want most in the fund that's going to grow for you. So that's good. But at the moment, because you do have $8 over 10,000, there's which is great. But the table here, you can see, has the same structure. So your current situation, which is $0.5.24 and C bus, the total fees associated with the the true super funds, and you then have the recommended, which again is similar C bus and hub 24. Now you can see here that the price difference is saving you about $797 a year, which is literally just from changing an investment, which is pretty crazy. I'm not changing anything else, but it is making it a bit cheaper for you. Obviously, making things cheaper means you have more money in super to be invested in growth for you. Does that make sense, Steven? Yep. Perfect. Now you can also see on this table that the return is also improved. So you can see your combined current situation when we are using that five year rolling average and comparing that to the recommended, it's a difference of about 4.33%, which, again, when you just do compound things, it does make a pretty big difference. Yep. Yes. So in in five years, if everything obviously kind of stays the same, then, yes, it does make a pretty big difference, and that, again, is literally very minor changes. But even though just minor changes, it still makes a big difference and is important. So the reason also we use that five year rolling average is because you never know what's going to happen. You know, in the market and in the world, you can't guarantee investment returns, but that's why we want to use five years. Because using a five year period and then averaging that out on a yearly basis gives us a little bit more certainty of what's happened in the market and the portfolio as well. Does that make sense? Yep. Perfect. Now the good thing as well with the recommendation is that it's estimated to not result in any capital gains tax. So often when you sell investments, if they have gone up, you will have to pay capital gains tax on those investment earnings similar to, like, if you were to sell an investment property. The same kind of concept is within superannuation. It's all within the superannuation environment, though, So it's not something that you would ever have to pay for personally or that you'd have to declare when you do your tax return or anything like that. But it is something we obviously look at when we are looking at changing investments because we want to minimize that for you. We don't want you to paying any unnecessary tax if we don't have to. So the good thing with the recommendations I have made on your investments, it is estimated to not trigger any capital gains tax at all, which is great. Yep. Any questions so far? No. Okay. Beautiful. Now you said on the table there, you can also see at the bottom, it's projected for that five and ten years, and you can see that it does make a pretty big difference, which is great. Now the next page is an also shows you performance return a bit more. It shows you twelve months, three years, five years, and ten years. And across all time frames, the recommended portfolio in Hub twenty four has outperformed all the others, which is great. Now what that actually looks like in terms of the investment change for you, Steven, is on page 18, if you can see that. It's another table. Yeah. So the only change that we are the only investment that we are completely changing is one, and that is your the second one from the top where it says Benelon concentrated equities. Can you see that one? Yep. So, basically, this table, it might look a little bit messy, but it just shows you the changes in the investment. So you have the investment name first. You have the kind of special little code. You have how much you have invested in each option, what that kind of correlates through from a dollar value, and then you have the buy and sell column. Now everything in red is basically what we are selling or just changing a little bit, and what's black is what we are either buying a little bit more of or just keeping the same. Does that make sense? Yep. So the only real change we are doing completely is that second one from the top where it says Ben along Australian equities. What I have recommended is that we completely sell out of that one and replace it with the one listed at the bottom where it says Australia 200. Can you see that? Yes. So this is the one I kind of mentioned during the under review that I did wanted to do a bit more research with because recently, it has under little bit, so we wanted to see if we found some better options. Now with this one here, it is invested in Australian investment, so we wanted to find something that was suitable. And if we're replacing one Australian investment, we wanted to look at a similar competitor for also Australian investment, making sure that your portfolio overall is still very diversified and gives you good amount of exposure, not having too much in one particular market. So that was the main thing. We wanted to improve the returns a little bit and make things a little bit cheaper for you. So the good thing with the BetaShares Australia 200 is that kind of what the name says, it is investing in the 200 largest companies listed in Australia. So very diversified for you. And if something were to happen to one company, it's not going to fluctuate as much because you do have 200 in one just that one single investment. Does that kind of make sense, Steven? Yes. So that was what that one switch was. Now the other thing in red, what that is is just rebalancing your portfolio. Now, basically, what rebalancing means is that, you know, over time, the different investments can perform differently. So some does a lot better. Others might not do as well. So what can happen over time is that your portfolio will kind of drift away from its intended asset allocation. So rebalancing basically just means buying and selling investments where appropriate to do so to kind of put everything back into alignment, back to where it it should be, to making sure that you're not taking on, you know, more risk or less risk than intended. So it's just kind of bringing everything back into alignment. But for example, you can see the second the third one from the top, at the moment, I have a 6.46 in this one. Keeping it in your portfolio, we're just aligning it back to 4%. Does that kind of make sense? Yep. So, yeah, basically, pretty straightforward just changing one investment completely, and the rest is just kind of rebalancing everything back into alignment. So pretty straightforward what we are doing with the investments for you. Now on the next couple of pages, and I'm almost at the end there for you, Steven, it shows you your risk profile. So that is page 20 if you can see that. And it's like another little table, and there's like a pie chart in it? Yes. Yes. Correct. So what this table shows you is then how much we have in your growth and your defensive. So if you look at the second column, it says risk profile, and it shows you that roughly we're aiming for about 80% in those growth investments, 20% in defensive. You then have your existing portfolio next to it, which shows that at the moment, you are invested in growth at about 84.51 with about 14.79 in defensive. And then the recommended is eighty four sixteen and fifteen eighty four in defensive. So both very closely aligned, which shows you that by making that one investment change and rebalancing your portfolio, you're not taking on any additional risks, which is good. Yep. Now what I have also just included is just obviously keeping your c bus insurances. We wanna make sure you have that life and TPD if something were to happen, but not making any changes in regards to that. Leaving that all the same, which is good. And then what I've also included is just some general information in regards to setting up a will and making a nomination for power of attorney. It is something I always recommend everyone to consider. So I have included that for you so you can have a read over that in your own time as well. It talks about, you know, advantages some disadvantages and risks in regards to setting up a will, what to be mindful of, and same for power over tech. That all make sense? Yeah. Perfect. Now the last thing is just in regards to the fee structure. So like I mentioned during the annual review, Steven, there's no changes whatsoever in regards to the fee structure. That stays exactly the same at that 1.65 from Super, so no additional fees or charges at all. So, essentially, from here is if you wanted to take some time to have a read over the document in your own time, you are more than welcome to do so. If you do have a read through it or if you are happy to go ahead with a couple of changes to move forward, it would then be to sign the documents that you are in at the moment digitally, the same as you did during the under review, and then it will automatically send it back to me. And that tells me that you are happy to go ahead with that little investment change for you, and I will let the team know to go ahead and do that. K. Okay. Perfect. Like I said, it's pretty straightforward. It's just literally changing that one investment and rebalance your portfolio, which does make make it a bit cheaper and improve that returns for you. If later as well when you do have access to a computer, you wanted to go back and have a read over to look at the numbers if it's a bit funky on the phone, it's all there for you as well where you can have a look at it. So let me know how you go with with it. If you have any issues, I can stay on the phone if you would like just to make sure it all gets done. Yep. It should just be the one signature in this document. And it should just ask you to draw a little signature, and it often adds the date automatically. Okay. Perfect. And does it say in the corner validate? Can you see a button where it says validate? Start? Okay. And is there a signature there? There shouldn't be. No. Yes. Oh, beautiful. Yeah. So the financial services guide is the same one we had during the annual review for you. Just another copy if you wanted to have a read over it. And then, yes, when you press validate, it will then send it all back to me, and I will get that all uploaded and sorted for you and go ahead and make those little investment changes. Now let me see if I can just refresh to make sure that's all done. Do you have much planned for the rest of the day? Oh, yeah. Fun. Yeah. Oh, yeah. Well, let me see. Does it say this is loading on your end at all, Steven? Or what is what can you see? Loading. Yeah. Sometimes it takes a minute. Yeah. Oh, sometimes I swear to technology is great when it works, but then when it takes a minute, it can be a bit frustrating. Yeah. No. It comes on take a minute. But I can actually see just now that came through on my end, which is great. So it didn't take too too long. Now like I said, Steven, the document is always there for you to have a read. So if you ever wanna go back when you have a bit more time or you wanna look at it, you just click back into that link. It's all there for you. If you have any issues, sorry, you can always just give me a call, and, we can always email you a copy as well. Yeah. Beautiful. But that was essentially everything that I needed to go over with you today. Do you have any questions for me before I let you go and get on with your afternoon? No? Okay. Beautiful. Well, thank you so much for your time this afternoon, Steven, and I hope you enjoy the rest of your day. Mhmm. Beautiful. Thanks. 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afternoon. Is this Steven? This is Veronica from Oakview Financial. How are you? That's good.\n\nI had you booked in. I just took over some research I did on your super investment. So is now still a good time for you? Yeah. Per perfect.\n\nNow just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. Perfect. And just for security purposes, so that I can confirm I'm speaking with the right person, could I please get you to confirm your full name, date of birth, and address, please? Yep.\n\nPerfect. And how's your day Thank you. And how's your day been? Been busy? Well, I won't keep you for too long, Steven.\n\nToday is pretty straightforward. Now do you have access to your emails at the moment by any chance? Yes. If you do, it does makes it a little bit easier when I go through it if you can access your email. Email.\n\nYes. That's the one. Now when you click on the link, it will then open up the strategy recommendation so that I can go through it with you before, obviously, it prompts you to sign anything just to make sure you, obviously, you are happy with the the change. Yes, please. Yes.\n\nYep. That's okay. And it should then open up a document where it says statement of advice. Yep. Perfect.\n\nSo every time we do make a recommendation for you, Steven, we have to put everything in the statement of the device just to make sure that you fully understand everything. Now a lot of it is just for compliance purposes, and today is pretty straightforward. So even though the document is 36 pages, I won't go through all of that with you. I'll just kind of go through the most important points, and then you can always have a read over it in your own time if you do have any questions. Perfect.\n\nNow on the cover page, you can also see my details listed. So you can see my authorized representative number listed there, and I am licensed under Every time we do make a recommendation as well, we do always follow that best interest duty, which is outlined on page two. Do you remember ever hearing about that before? Yep. Okay.\n\nPerfect. Yeah. Obviously, everything we do has to be in your best interest at all time, and that advice has to put you in a better position as a result of the advice. Now if you wanna scroll through for me, you will see table of content, pretty self explanatory. You then have scope of advice.\n\nCan you see that? Yep. Perfect. So, essentially, today, all we're looking at is your superannuation, specifically your investments to see if we needed to make any tweaks and changes to any investments to make sure everything is growing, and putting you in the best position for your retirement, not making any changes otherwise to insurances or anything. It's literally just reviewing your super investments.\n\nAnd you kind of remember that conversation we had after the interview? Yeah. Okay. Perfect. So if you wanna scroll through to what the actual advice talks about.\n\nSo as you scroll through, you'll talk you'll see a couple of pages. It talks about about you, just some information from the fact line we did. It shows you your assets and your liabilities. It then shows you so if you wanna go to page nine, it then shows you your current due and insurances, if you can see that. Yep.\n\nSo it shows you kind of what we talked about during the annual review that you obviously have your hub 24 where you have majority of your funds, and you do have c bus as well for those insurances, which you can see your life and TPD, outlined within Cbus for you. Now if you wanna go to the next page, it talks about that risk profile. Can you see that page okay? Yep. Perfect.\n\nSo kind of referring back to again the under review where we did talk about your risk profile. So we are not making any changes when it comes to your risk profile. We are keeping you in that growth profile that you currently have, just making a couple of changes in regards to your investments. The growth is still appropriate for you based on all of your time until retirement, what you are comfortable with, and that we are trying to grow that super as much as possible before you do retire. Any questions so far?\n\nWell, that's pretty straightforward. Yep. Perfect. Now if you want to then scroll down for me to page 16, it basically shows you the recommendation in a table to make it a little bit, nice and easy. And the pages that you did scroll past, it basically summarizes, this table, but just in words for you as well to make it easy.\n\nBut I sometimes find just kind of looking at it and talking about it here makes it a bit easier. Let me know if you can see that fee comparison table. Oh, that's that's okay. It's always you can always go back and have a look at it on a computer or anything like that later. But yeah.\n\nNo. That's okay. Now, essentially, essentially, what I did look at for you, I did also do some research on your hub twenty four account just to see if it's still going to be the best option for you because there's always new super funds and products and features that come out to the market. So it is good to reassess it every now and then. Get us to make sure because there's nothing obviously tying us to hub twenty four.\n\nIt's just having a look at if it's still the best option for you. And after doing our research, it's still very much is a competitive option. So I have recommended that you stay in Hub 24 and you stay in the C bus, literally just changing some of the investments because hub twenty four is still very competitive when it comes to the fees and the the functions and the investment choices. So it's still very much a good option. Now in your C bus account as well, you do have 10,008 in there.\n\nAnd typically speaking, we do wanna leave about 10,000 just to make sure your insurances continue to remain active. So the good thing is that you're basically okay. And how much are you looking at putting in? Okay. Perfect.\n\nYeah. And $50 a week keeps you under those contribution caps as well, which which is great. So just for your reference, with the concessional contributions, sorry, from your employer and you making, like, salary sacrifice contributions, there is a limit each year what you can put in. And for this financial year, it's at 32,500. So you have plenty of space to do that $50 a week, which is good.\n\nSo if you, for some reason, wanted to put a lot in, just give me a call just so I can run the numbers for you first. Okay? Yeah. Perfect. But no.\n\nOtherwise no. That's good. But, yes, otherwise, it's all going good. Every time we do an under review, when we do catch up, we can kind of look at how much you have in Cbus. And if it is that there's more going in, because, obviously, more with more contributions, then if appropriate, we can always roll a little bit like, do a little bit of a partial rollover into Hub if it's appropriate because we wanna make sure we have the most amount of money in the super fund that's gonna give you the most amount of growth.\n\nYes. But at the moment, doesn't grow near as much. No. The the return on the investment yes. The return on investment's not as good.\n\nAnd that's why we wanna make sure we keep as close to that 10,000 as possible because we want most in the fund that's going to grow for you. So that's good. But at the moment, because you do have $8 over 10,000, there's which is great. But the table here, you can see, has the same structure. So your current situation, which is $0.5.24 and C bus, the total fees associated with the the true super funds, and you then have the recommended, which again is similar C bus and hub 24.\n\nNow you can see here that the price difference is saving you about $797 a year, which is literally just from changing an investment, which is pretty crazy. I'm not changing anything else, but it is making it a bit cheaper for you. Obviously, making things cheaper means you have more money in super to be invested in growth for you. Does that make sense, Steven? Yep.\n\nPerfect. Now you can also see on this table that the return is also improved. So you can see your combined current situation when we are using that five year rolling average and comparing that to the recommended, it's a difference of about 4.33%, which, again, when you just do compound things, it does make a pretty big difference. Yep. Yes.\n\nSo in in five years, if everything obviously kind of stays the same, then, yes, it does make a pretty big difference, and that, again, is literally very minor changes. But even though just minor changes, it still makes a big difference and is important. So the reason also we use that five year rolling average is because you never know what's going to happen. You know, in the market and in the world, you can't guarantee investment returns, but that's why we want to use five years. Because using a five year period and then averaging that out on a yearly basis gives us a little bit more certainty of what's happened in the market and the portfolio as well.\n\nDoes that make sense? Yep. Perfect. Now the good thing as well with the recommendation is that it's estimated to not result in any capital gains tax. So often when you sell investments, if they have gone up, you will have to pay capital gains tax on those investment earnings similar to, like, if you were to sell an investment property.\n\nThe same kind of concept is within superannuation. It's all within the superannuation environment, though, So it's not something that you would ever have to pay for personally or that you'd have to declare when you do your tax return or anything like that. But it is something we obviously look at when we are looking at changing investments because we want to minimize that for you. We don't want you to paying any unnecessary tax if we don't have to. So the good thing with the recommendations I have made on your investments, it is estimated to not trigger any capital gains tax at all, which is great.\n\nYep. Any questions so far? No. Okay. Beautiful.\n\nNow you said on the table there, you can also see at the bottom, it's projected for that five and ten years, and you can see that it does make a pretty big difference, which is great. Now the next page is an also shows you performance return a bit more. It shows you twelve months, three years, five years, and ten years. And across all time frames, the recommended portfolio in Hub twenty four has outperformed all the others, which is great. Now what that actually looks like in terms of the investment change for you, Steven, is on page 18, if you can see that.\n\nIt's another table. Yeah. So the only change that we are the only investment that we are completely changing is one, and that is your the second one from the top where it says Benelon concentrated equities. Can you see that one? Yep.\n\nSo, basically, this table, it might look a little bit messy, but it just shows you the changes in the investment. So you have the investment name first. You have the kind of special little code. You have how much you have invested in each option, what that kind of correlates through from a dollar value, and then you have the buy and sell column. Now everything in red is basically what we are selling or just changing a little bit, and what's black is what we are either buying a little bit more of or just keeping the same.\n\nDoes that make sense? Yep. So the only real change we are doing completely is that second one from the top where it says Ben along Australian equities. What I have recommended is that we completely sell out of that one and replace it with the one listed at the bottom where it says Australia 200. Can you see that?\n\nYes. So this is the one I kind of mentioned during the under review that I did wanted to do a bit more research with because recently, it has under little bit, so we wanted to see if we found some better options. Now with this one here, it is invested in Australian investment, so we wanted to find something that was suitable. And if we're replacing one Australian investment, we wanted to look at a similar competitor for also Australian investment, making sure that your portfolio overall is still very diversified and gives you good amount of exposure, not having too much in one particular market. So that was the main thing.\n\nWe wanted to improve the returns a little bit and make things a little bit cheaper for you. So the good thing with the BetaShares Australia 200 is that kind of what the name says, it is investing in the 200 largest companies listed in Australia. So very diversified for you. And if something were to happen to one company, it's not going to fluctuate as much because you do have 200 in one just that one single investment. Does that kind of make sense, Steven?\n\nYes. So that was what that one switch was. Now the other thing in red, what that is is just rebalancing your portfolio. Now, basically, what rebalancing means is that, you know, over time, the different investments can perform differently. So some does a lot better.\n\nOthers might not do as well. So what can happen over time is that your portfolio will kind of drift away from its intended asset allocation. So rebalancing basically just means buying and selling investments where appropriate to do so to kind of put everything back into alignment, back to where it it should be, to making sure that you're not taking on, you know, more risk or less risk than intended. So it's just kind of bringing everything back into alignment. But for example, you can see the second the third one from the top, at the moment, I have a 6.46 in this one.\n\nKeeping it in your portfolio, we're just aligning it back to 4%. Does that kind of make sense? Yep. So, yeah, basically, pretty straightforward just changing one investment completely, and the rest is just kind of rebalancing everything back into alignment. So pretty straightforward what we are doing with the investments for you.\n\nNow on the next couple of pages, and I'm almost at the end there for you, Steven, it shows you your risk profile. So that is page 20 if you can see that. And it's like another little table, and there's like a pie chart in it? Yes. Yes.\n\nCorrect. So what this table shows you is then how much we have in your growth and your defensive. So if you look at the second column, it says risk profile, and it shows you that roughly we're aiming for about 80% in those growth investments, 20% in defensive. You then have your existing portfolio next to it, which shows that at the moment, you are invested in growth at about 84.51 with about 14.79 in defensive. And then the recommended is eighty four sixteen and fifteen eighty four in defensive.\n\nSo both very closely aligned, which shows you that by making that one investment change and rebalancing your portfolio, you're not taking on any additional risks, which is good. Yep. Now what I have also just included is just obviously keeping your c bus insurances. We wanna make sure you have that life and TPD if something were to happen, but not making any changes in regards to that. Leaving that all the same, which is good.\n\nAnd then what I've also included is just some general information in regards to setting up a will and making a nomination for power of attorney. It is something I always recommend everyone to consider. So I have included that for you so you can have a read over that in your own time as well. It talks about, you know, advantages some disadvantages and risks in regards to setting up a will, what to be mindful of, and same for power over tech. That all make sense?\n\nYeah. Perfect. Now the last thing is just in regards to the fee structure. So like I mentioned during the annual review, Steven, there's no changes whatsoever in regards to the fee structure. That stays exactly the same at that 1.65 from Super, so no additional fees or charges at all.\n\nSo, essentially, from here is if you wanted to take some time to have a read over the document in your own time, you are more than welcome to do so. If you do have a read through it or if you are happy to go ahead with a couple of changes to move forward, it would then be to sign the documents that you are in at the moment digitally, the same as you did during the under review, and then it will automatically send it back to me. And that tells me that you are happy to go ahead with that little investment change for you, and I will let the team know to go ahead and do that. K. Okay.\n\nPerfect. Like I said, it's pretty straightforward. It's just literally changing that one investment and rebalance your portfolio, which does make make it a bit cheaper and improve that returns for you. If later as well when you do have access to a computer, you wanted to go back and have a read over to look at the numbers if it's a bit funky on the phone, it's all there for you as well where you can have a look at it. So let me know how you go with with it.\n\nIf you have any issues, I can stay on the phone if you would like just to make sure it all gets done. Yep. It should just be the one signature in this document. And it should just ask you to draw a little signature, and it often adds the date automatically. Okay.\n\nPerfect. And does it say in the corner validate? Can you see a button where it says validate? Start? Okay.\n\nAnd is there a signature there? There shouldn't be. No. Yes. Oh, beautiful.\n\nYeah. So the financial services guide is the same one we had during the annual review for you. Just another copy if you wanted to have a read over it. And then, yes, when you press validate, it will then send it all back to me, and I will get that all uploaded and sorted for you and go ahead and make those little investment changes. Now let me see if I can just refresh to make sure that's all done.\n\nDo you have much planned for the rest of the day? Oh, yeah. Fun. Yeah. Oh, yeah.\n\nWell, let me see. Does it say this is loading on your end at all, Steven? Or what is what can you see? Loading. Yeah.\n\nSometimes it takes a minute. Yeah. Oh, sometimes I swear to technology is great when it works, but then when it takes a minute, it can be a bit frustrating. Yeah. No.\n\nIt comes on take a minute. But I can actually see just now that came through on my end, which is great. So it didn't take too too long. Now like I said, Steven, the document is always there for you to have a read. So if you ever wanna go back when you have a bit more time or you wanna look at it, you just click back into that link.\n\nIt's all there for you. If you have any issues, sorry, you can always just give me a call, and, we can always email you a copy as well. Yeah. Beautiful. But that was essentially everything that I needed to go over with you today.\n\nDo you have any questions for me before I let you go and get on with your afternoon? No? Okay. Beautiful. Well, thank you so much for your time this afternoon, Steven, and I hope you enjoy the rest of your day.\n\nMhmm. Beautiful. Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":6.48,"end":7.2,"sentiment":"neutral","sentiment_score":0.2221759781241417},{"text":"Is this Steven?","start":7.2,"end":8.02,"sentiment":"neutral","sentiment_score":0.1140997384985288},{"text":"This is Veronica from Oakview Financial.","start":9.44,"end":11.54,"sentiment":"neutral","sentiment_score":0.1557666485508283},{"text":"How are you?","start":11.679999,"end":12.5,"sentiment":"neutral","sentiment_score":0.15971106787522635},{"text":"That's good.","start":14.32,"end":15.219999,"sentiment":"positive","sentiment_score":0.7327390611171722}],"sentiment":"neutral","sentiment_score":0.22911639930680394,"num_words":16,"start":6.48,"end":15.219999},{"sentences":[{"text":"I had you booked in.","start":15.705,"end":16.985,"sentiment":"positive","sentiment_score":0.48897008299827577},{"text":"I just took over some research I did on your super investment.","start":16.985,"end":20.045,"sentiment":"positive","sentiment_score":0.4566437105337779},{"text":"So is now still a good time for you?","start":20.105,"end":21.805,"sentiment":"positive","sentiment_score":0.40410934554206},{"text":"Yeah.","start":23.225,"end":23.625,"sentiment":"neutral","sentiment_score":0.19173917174339297},{"text":"Per perfect.","start":23.625,"end":25.005001,"sentiment":"positive","sentiment_score":0.3618735074996948}],"sentiment":"positive","sentiment_score":0.43024293924200124,"num_words":29,"start":15.705,"end":25.005001},{"sentences":[{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":25.305,"end":32.25,"sentiment":"neutral","sentiment_score":0.05675385314328917},{"text":"Yep.","start":34.23,"end":34.55,"sentiment":"neutral","sentiment_score":0.1233142912387848},{"text":"Perfect.","start":34.55,"end":35.05,"sentiment":"neutral","sentiment_score":0.3013715147972107},{"text":"And just for security purposes, so that I can confirm I'm speaking with the right person, could I please get you to confirm your full name, date of birth, and address, please?","start":35.27,"end":44.185,"sentiment":"neutral","sentiment_score":0.0970647216308862},{"text":"Yep.","start":46.965,"end":47.465,"sentiment":"neutral","sentiment_score":0.015146147459745409}],"sentiment":"neutral","sentiment_score":0.08112132479436696,"num_words":64,"start":25.305,"end":47.465},{"sentences":[{"text":"Perfect.","start":51.365,"end":51.845,"sentiment":"neutral","sentiment_score":0.10198965668678284},{"text":"And how's your day Thank you.","start":51.845,"end":54.899998,"sentiment":"neutral","sentiment_score":0.11261461985607941},{"text":"And how's your day been?","start":54.899998,"end":56.1,"sentiment":"neutral","sentiment_score":0.07091758623719216},{"text":"Been busy?","start":56.1,"end":56.76,"sentiment":"neutral","sentiment_score":-0.05286644957959652},{"text":"Well, I won't keep you for too long, Steven.","start":59.78,"end":61.859997,"sentiment":"neutral","sentiment_score":-0.07934607110089725}],"sentiment":"neutral","sentiment_score":0.013583381214867468,"num_words":23,"start":51.365,"end":61.859997},{"sentences":[{"text":"Today is pretty straightforward.","start":61.859997,"end":63.239998,"sentiment":"neutral","sentiment_score":0.24815627187490463},{"text":"Now do you have access to your emails at the moment by any chance?","start":65.06,"end":68.355,"sentiment":"neutral","sentiment_score":0.03271954519940274},{"text":"Yes.","start":70.995,"end":71.495,"sentiment":"neutral","sentiment_score":0.11304931342601776},{"text":"If you do, it does makes it a little bit easier when I go through it if you can access your email.","start":74.435005,"end":80.73,"sentiment":"neutral","sentiment_score":0.1342257269742814},{"text":"Email.","start":88.810005,"end":89.21001,"sentiment":"neutral","sentiment_score":0.03422345221042633}],"sentiment":"neutral","sentiment_score":0.10835565427052123,"num_words":42,"start":61.859997,"end":89.21001},{"sentences":[{"text":"Yes.","start":89.21001,"end":89.61,"sentiment":"neutral","sentiment_score":0.10252711176872252},{"text":"That's the one.","start":89.61,"end":90.590004,"sentiment":"neutral","sentiment_score":0.12946276366710663},{"text":"Now when you click on the link, it will then open up the strategy recommendation so that I can go through it with you before, obviously, it prompts you to sign anything just to make sure you, obviously, you are happy with the the change.","start":91.61,"end":105.045,"sentiment":"neutral","sentiment_score":0.14561403724882338},{"text":"Yes, please.","start":108.785,"end":109.38,"sentiment":"neutral","sentiment_score":0.03878713212907314},{"text":"Yes.","start":110.1,"end":110.6,"sentiment":"neutral","sentiment_score":0.05768079310655594}],"sentiment":"neutral","sentiment_score":0.13805388723714992,"num_words":52,"start":89.21001,"end":110.6},{"sentences":[{"text":"Yep.","start":118.5,"end":118.899994,"sentiment":"neutral","sentiment_score":0.07435733079910278},{"text":"That's okay.","start":118.899994,"end":119.72,"sentiment":"neutral","sentiment_score":0.11309974268078804},{"text":"And it should then open up a document where it says statement of advice.","start":119.78,"end":124.28,"sentiment":"neutral","sentiment_score":0.09424783981272153},{"text":"Yep.","start":134.33499,"end":134.735,"sentiment":"neutral","sentiment_score":0.14202097058296204},{"text":"Perfect.","start":134.735,"end":135.235,"sentiment":"positive","sentiment_score":0.3344753086566925}],"sentiment":"neutral","sentiment_score":0.11034330804097026,"num_words":19,"start":118.5,"end":135.235},{"sentences":[{"text":"So every time we do make a recommendation for you, Steven, we have to put everything in the statement of the device just to make sure that you fully understand everything.","start":136.735,"end":145.91,"sentiment":"neutral","sentiment_score":0.198152213087005},{"text":"Now a lot of it is just for compliance purposes, and today is pretty straightforward.","start":146.93001,"end":151.235,"sentiment":"neutral","sentiment_score":0.31718104183673856},{"text":"So even though the document is 36 pages, I won't go through all of that with you.","start":151.535,"end":156.035,"sentiment":"neutral","sentiment_score":-0.07804460325004424},{"text":"I'll just kind of go through the most important points, and then you can always have a read over it in your own time if you do have any questions.","start":156.255,"end":162.435,"sentiment":"neutral","sentiment_score":0.2213218554854393},{"text":"Perfect.","start":164.91,"end":165.31,"sentiment":"positive","sentiment_score":0.6251120567321777}],"sentiment":"neutral","sentiment_score":0.17913237977971105,"num_words":94,"start":136.735,"end":165.31},{"sentences":[{"text":"Now on the cover page, you can also see my details listed.","start":165.31,"end":169.39,"sentiment":"neutral","sentiment_score":0.2055327408015728},{"text":"So you can see my authorized representative number listed there, and I am licensed under Every time we do make a recommendation as well, we do always follow that best interest duty, which is outlined on page two.","start":169.39,"end":186.785,"sentiment":"neutral","sentiment_score":0.1655487406410669},{"text":"Do you remember ever hearing about that before?","start":187.005,"end":190.72,"sentiment":"neutral","sentiment_score":0.014482809812761843},{"text":"Yep.","start":190.72,"end":191.04001,"sentiment":"neutral","sentiment_score":0.08146246522665024},{"text":"Okay.","start":191.04001,"end":191.44,"sentiment":"neutral","sentiment_score":0.25074613094329834}],"sentiment":"neutral","sentiment_score":0.15342193514419097,"num_words":60,"start":165.31,"end":191.44},{"sentences":[{"text":"Perfect.","start":191.44,"end":191.94,"sentiment":"positive","sentiment_score":0.4715663194656372},{"text":"Yeah.","start":192.08,"end":192.40001,"sentiment":"neutral","sentiment_score":0.32297953963279724},{"text":"Obviously, everything we do has to be in your best interest at all time, and that advice has to put you in a better position as a result of the advice.","start":192.40001,"end":200.26001,"sentiment":"neutral","sentiment_score":0.31899257148465804},{"text":"Now if you wanna scroll through for me, you will see table of content, pretty self explanatory.","start":201.20001,"end":207.375,"sentiment":"neutral","sentiment_score":0.13502399930182626},{"text":"You then have scope of advice.","start":207.995,"end":210.095,"sentiment":"neutral","sentiment_score":0.11716979493697484}],"sentiment":"neutral","sentiment_score":0.24431682737278088,"num_words":56,"start":191.44,"end":210.095},{"sentences":[{"text":"Can you see that?","start":210.715,"end":211.77501,"sentiment":"neutral","sentiment_score":0.07351136952638626},{"text":"Yep.","start":212.235,"end":212.63501,"sentiment":"neutral","sentiment_score":0.1867302656173706},{"text":"Perfect.","start":212.63501,"end":213.13501,"sentiment":"positive","sentiment_score":0.451755553483963},{"text":"So, essentially, today, all we're looking at is your superannuation, specifically your investments to see if we needed to make any tweaks and changes to any investments to make sure everything is growing, and putting you in the best position for your retirement, not making any changes otherwise to insurances or anything.","start":213.995,"end":232.66501,"sentiment":"neutral","sentiment_score":0.23105909001941866},{"text":"It's literally just reviewing your super investments.","start":232.66501,"end":235.145,"sentiment":"neutral","sentiment_score":0.14365760449852263}],"sentiment":"neutral","sentiment_score":0.21466472630317396,"num_words":65,"start":210.715,"end":235.145},{"sentences":[{"text":"And you kind of remember that conversation we had after the interview?","start":235.145,"end":239.005,"sentiment":"neutral","sentiment_score":0.029424937441945076},{"text":"Yeah.","start":241.38501,"end":241.705,"sentiment":"neutral","sentiment_score":0.08078990876674652},{"text":"Okay.","start":241.705,"end":242.105,"sentiment":"neutral","sentiment_score":0.1557798683643341},{"text":"Perfect.","start":242.105,"end":242.605,"sentiment":"neutral","sentiment_score":0.2930401563644409},{"text":"So if you wanna scroll through to what the actual advice talks about.","start":244.76,"end":249.16,"sentiment":"neutral","sentiment_score":0.1407938186938946}],"sentiment":"neutral","sentiment_score":0.09689388663641044,"num_words":28,"start":235.145,"end":249.16},{"sentences":[{"text":"So as you scroll through, you'll talk you'll see a couple of pages.","start":249.16,"end":252.36,"sentiment":"neutral","sentiment_score":0.11055498627515939},{"text":"It talks about about you, just some information from the fact line we did.","start":252.36,"end":256.06,"sentiment":"neutral","sentiment_score":0.12242814525961876},{"text":"It shows you your assets and your liabilities.","start":256.28,"end":258.29,"sentiment":"neutral","sentiment_score":0.10518402233719826},{"text":"It then shows you so if you wanna go to page nine, it then shows you your current due and insurances, if you can see that.","start":258.29,"end":268.595,"sentiment":"neutral","sentiment_score":0.0991815347224474},{"text":"Yep.","start":274.33502,"end":274.655,"sentiment":"neutral","sentiment_score":0.10441970825195312}],"sentiment":"neutral","sentiment_score":0.10767452653136945,"num_words":62,"start":249.16,"end":274.655},{"sentences":[{"text":"So it shows you kind of what we talked about during the annual review that you obviously have your hub 24 where you have majority of your funds, and you do have c bus as well for those insurances, which you can see your life and TPD, outlined within Cbus for you.","start":274.655,"end":289.95502,"sentiment":"neutral","sentiment_score":0.179729442183788},{"text":"Now if you wanna go to the next page, it talks about that risk profile.","start":291.775,"end":296.335,"sentiment":"neutral","sentiment_score":0.054126862436532974},{"text":"Can you see that page okay?","start":296.335,"end":297.875,"sentiment":"neutral","sentiment_score":0.03872812011589607},{"text":"Yep.","start":299.375,"end":299.775,"sentiment":"neutral","sentiment_score":0.20642469823360443},{"text":"Perfect.","start":299.775,"end":300.275,"sentiment":"positive","sentiment_score":0.5966077446937561}],"sentiment":"neutral","sentiment_score":0.1492431345830361,"num_words":75,"start":274.655,"end":300.275},{"sentences":[{"text":"So kind of referring back to again the under review where we did talk about your risk profile.","start":300.495,"end":305.12003,"sentiment":"neutral","sentiment_score":0.10111766401678324},{"text":"So we are not making any changes when it comes to your risk profile.","start":305.58002,"end":309.82,"sentiment":"neutral","sentiment_score":-0.13371402504188673},{"text":"We are keeping you in that growth profile that you currently have, just making a couple of changes in regards to your investments.","start":309.82,"end":316.95502,"sentiment":"neutral","sentiment_score":0.16756072931963464},{"text":"The growth is still appropriate for you based on all of your time until retirement, what you are comfortable with, and that we are trying to grow that super as much as possible before you do retire.","start":317.575,"end":327.355,"sentiment":"positive","sentiment_score":0.3650570197685345},{"text":"Any questions so far?","start":328.375,"end":329.415,"sentiment":"neutral","sentiment_score":0.021853487007319927}],"sentiment":"neutral","sentiment_score":0.1812139797451285,"num_words":96,"start":300.495,"end":329.415},{"sentences":[{"text":"Well, that's pretty straightforward.","start":329.415,"end":333.13998,"sentiment":"neutral","sentiment_score":-0.04124743165448308},{"text":"Yep.","start":333.59998,"end":334.08,"sentiment":"neutral","sentiment_score":0.28296422958374023},{"text":"Perfect.","start":334.08,"end":334.58,"sentiment":"positive","sentiment_score":0.5447039604187012},{"text":"Now if you want to then scroll down for me to page 16, it basically shows you the recommendation in a table to make it a little bit, nice and easy.","start":335.12,"end":349.475,"sentiment":"positive","sentiment_score":0.37967990434938864},{"text":"And the pages that you did scroll past, it basically summarizes, this table, but just in words for you as well to make it easy.","start":350.255,"end":358.515,"sentiment":"positive","sentiment_score":0.34742710828781126}],"sentiment":"positive","sentiment_score":0.34061989040985224,"num_words":62,"start":329.415,"end":358.515},{"sentences":[{"text":"But I sometimes find just kind of looking at it and talking about it here makes it a bit easier.","start":358.81998,"end":363.4,"sentiment":"neutral","sentiment_score":0.2843760922551155},{"text":"Let me know if you can see that fee comparison table.","start":364.5,"end":367.31998,"sentiment":"neutral","sentiment_score":0.12243390489708293},{"text":"Oh, that's that's okay.","start":373.86,"end":375.825,"sentiment":"neutral","sentiment_score":0.16430040821433067},{"text":"It's always you can always go back and have a look at it on a computer or anything like that later.","start":375.825,"end":381.20502,"sentiment":"neutral","sentiment_score":0.11123593630535263},{"text":"But yeah.","start":381.265,"end":383.125,"sentiment":"neutral","sentiment_score":0.0061441706493496895}],"sentiment":"neutral","sentiment_score":0.17309895578514914,"num_words":58,"start":358.81998,"end":383.125},{"sentences":[{"text":"No.","start":383.185,"end":383.505,"sentiment":"neutral","sentiment_score":-0.05391017720103264},{"text":"That's okay.","start":383.505,"end":384.245,"sentiment":"neutral","sentiment_score":0.004137837619055063},{"text":"Now, essentially, essentially, what I did look at for you, I did also do some research on your hub twenty four account just to see if it's still going to be the best option for you because there's always new super funds and products and features that come out to the market.","start":385.58502,"end":402.315,"sentiment":"neutral","sentiment_score":0.20856761072690672},{"text":"So it is good to reassess it every now and then.","start":402.315,"end":405.055,"sentiment":"neutral","sentiment_score":0.2914922399954362},{"text":"Get us to make sure because there's nothing obviously tying us to hub twenty four.","start":405.275,"end":409.055,"sentiment":"neutral","sentiment_score":0.17308751481274764}],"sentiment":"neutral","sentiment_score":0.2049704767651511,"num_words":81,"start":383.185,"end":409.055},{"sentences":[{"text":"It's just having a look at if it's still the best option for you.","start":409.115,"end":412.575,"sentiment":"neutral","sentiment_score":0.31694545809711727},{"text":"And after doing our research, it's still very much is a competitive option.","start":413.035,"end":417.59998,"sentiment":"positive","sentiment_score":0.4122815285451137},{"text":"So I have recommended that you stay in Hub 24 and you stay in the C bus, literally just changing some of the investments because hub twenty four is still very competitive when it comes to the fees and the the functions and the investment choices.","start":417.97998,"end":432.345,"sentiment":"positive","sentiment_score":0.5008081839136456},{"text":"So it's still very much a good option.","start":433.04498,"end":435.305,"sentiment":"positive","sentiment_score":0.7582924738526344},{"text":"Now in your C bus account as well, you do have 10,008 in there.","start":435.845,"end":441.445,"sentiment":"neutral","sentiment_score":0.3298911281994411}],"sentiment":"positive","sentiment_score":0.45809356136933754,"num_words":95,"start":409.115,"end":441.445},{"sentences":[{"text":"And typically speaking, we do wanna leave about 10,000 just to make sure your insurances continue to remain active.","start":441.445,"end":448.86002,"sentiment":"neutral","sentiment_score":0.24502682764279216},{"text":"So the good thing is that you're basically okay.","start":449.16,"end":457.0,"sentiment":"neutral","sentiment_score":0.30187099509769016},{"text":"And how much are you looking at putting in?","start":457.0,"end":459.315,"sentiment":"neutral","sentiment_score":0.09730048891570833},{"text":"Okay.","start":463.395,"end":463.875,"sentiment":"positive","sentiment_score":0.4908106327056885},{"text":"Perfect.","start":463.875,"end":464.375,"sentiment":"positive","sentiment_score":0.6508133411407471}],"sentiment":"neutral","sentiment_score":0.24076095013282237,"num_words":39,"start":441.445,"end":464.375},{"sentences":[{"text":"Yeah.","start":465.395,"end":465.795,"sentiment":"positive","sentiment_score":0.46098145842552185},{"text":"And $50 a week keeps you under those contribution caps as well, which which is great.","start":465.795,"end":472.31,"sentiment":"positive","sentiment_score":0.4787579271942377},{"text":"So just for your reference, with the concessional contributions, sorry, from your employer and you making, like, salary sacrifice contributions, there is a limit each year what you can put in.","start":473.16998,"end":485.23502,"sentiment":"neutral","sentiment_score":0.20526723876114814},{"text":"And for this financial year, it's at 32,500.","start":485.23502,"end":489.015,"sentiment":"neutral","sentiment_score":0.20089529268443584},{"text":"So you have plenty of space to do that $50 a week, which is good.","start":489.635,"end":493.89502,"sentiment":"positive","sentiment_score":0.36361822684605916}],"sentiment":"neutral","sentiment_score":0.30346237238444074,"num_words":71,"start":465.395,"end":493.89502},{"sentences":[{"text":"So if you, for some reason, wanted to put a lot in, just give me a call just so I can run the numbers for you first.","start":493.95502,"end":499.89,"sentiment":"neutral","sentiment_score":0.11146087006286338},{"text":"Okay?","start":501.89,"end":502.13,"sentiment":"neutral","sentiment_score":0.04080255329608917},{"text":"Yeah.","start":502.13,"end":502.61002,"sentiment":"neutral","sentiment_score":0.10099595785140993},{"text":"Perfect.","start":502.61002,"end":503.09003,"sentiment":"neutral","sentiment_score":0.2071018218994141},{"text":"But no.","start":503.09003,"end":503.65002,"sentiment":"neutral","sentiment_score":0.011805365793406963}],"sentiment":"neutral","sentiment_score":0.10568607988534495,"num_words":32,"start":493.95502,"end":503.65002},{"sentences":[{"text":"Otherwise no.","start":503.65002,"end":505.57,"sentiment":"neutral","sentiment_score":-0.009127123281359673},{"text":"That's good.","start":505.57,"end":506.39,"sentiment":"neutral","sentiment_score":0.1069156602025032},{"text":"But, yes, otherwise, it's all going good.","start":507.97,"end":510.23,"sentiment":"neutral","sentiment_score":0.3269503691366741},{"text":"Every time we do an under review, when we do catch up, we can kind of look at how much you have in Cbus.","start":510.29,"end":515.315,"sentiment":"neutral","sentiment_score":0.12900702251742283},{"text":"And if it is that there's more going in, because, obviously, more with more contributions, then if appropriate, we can always roll a little bit like, do a little bit of a partial rollover into Hub if it's appropriate because we wanna make sure we have the most amount of money in the super fund that's gonna give you the most amount of growth.","start":515.315,"end":533.26996,"sentiment":"neutral","sentiment_score":0.19384285365231335}],"sentiment":"neutral","sentiment_score":0.181680210423891,"num_words":99,"start":503.65002,"end":533.26996},{"sentences":[{"text":"Yes.","start":533.41,"end":533.91,"sentiment":"neutral","sentiment_score":0.0580485537648201},{"text":"But at the moment, doesn't grow near as much.","start":535.08997,"end":539.08997,"sentiment":"neutral","sentiment_score":-0.2383578254116906},{"text":"No.","start":539.08997,"end":539.41,"sentiment":"neutral","sentiment_score":-0.25106173753738403},{"text":"The the return on the investment yes.","start":539.41,"end":542.79,"sentiment":"neutral","sentiment_score":-0.15661623062832014},{"text":"The return on investment's not as good.","start":543.26495,"end":545.20496,"sentiment":"negative","sentiment_score":-0.4249860239880426}],"sentiment":"neutral","sentiment_score":-0.25637797579169275,"num_words":25,"start":533.41,"end":545.20496},{"sentences":[{"text":"And that's why we wanna make sure we keep as close to that 10,000 as possible because we want most in the fund that's going to grow for you.","start":546.785,"end":554.885,"sentiment":"neutral","sentiment_score":0.020979839409219807},{"text":"So that's good.","start":556.98,"end":557.62,"sentiment":"positive","sentiment_score":0.4155040681362152},{"text":"But at the moment, because you do have $8 over 10,000, there's which is great.","start":557.62,"end":563.48,"sentiment":"neutral","sentiment_score":0.24028387069702148},{"text":"But the table here, you can see, has the same structure.","start":563.7,"end":568.1,"sentiment":"neutral","sentiment_score":0.10457359897819432},{"text":"So your current situation, which is $0.5.24 and C bus, the total fees associated with the the true super funds, and you then have the recommended, which again is similar C bus and hub 24.","start":568.1,"end":581.765,"sentiment":"neutral","sentiment_score":0.11789974080664771}],"sentiment":"neutral","sentiment_score":0.11544071101853924,"num_words":93,"start":546.785,"end":581.765},{"sentences":[{"text":"Now you can see here that the price difference is saving you about $797 a year, which is literally just from changing an investment, which is pretty crazy.","start":582.145,"end":597.08997,"sentiment":"neutral","sentiment_score":0.31357942521572113},{"text":"I'm not changing anything else, but it is making it a bit cheaper for you.","start":597.525,"end":602.585,"sentiment":"neutral","sentiment_score":0.3052794227997462},{"text":"Obviously, making things cheaper means you have more money in super to be invested in growth for you.","start":602.80505,"end":609.04504,"sentiment":"positive","sentiment_score":0.5130503194199668},{"text":"Does that make sense, Steven?","start":609.04504,"end":611.60004,"sentiment":"neutral","sentiment_score":0.17448445707559584},{"text":"Yep.","start":611.60004,"end":612.0,"sentiment":"neutral","sentiment_score":0.200728178024292}],"sentiment":"positive","sentiment_score":0.35324584270146353,"num_words":67,"start":582.145,"end":612.0},{"sentences":[{"text":"Perfect.","start":612.0,"end":612.5,"sentiment":"positive","sentiment_score":0.594929575920105},{"text":"Now you can also see on this table that the return is also improved.","start":612.56,"end":617.46,"sentiment":"positive","sentiment_score":0.44675494943346294},{"text":"So you can see your combined current situation when we are using that five year rolling average and comparing that to the recommended, it's a difference of about 4.33%, which, again, when you just do compound things, it does make a pretty big difference.","start":617.52,"end":637.245,"sentiment":"neutral","sentiment_score":0.2586630051108924},{"text":"Yep.","start":640.61,"end":641.11,"sentiment":"neutral","sentiment_score":0.039727047085762024},{"text":"Yes.","start":642.69,"end":643.00995,"sentiment":"neutral","sentiment_score":0.07280990481376648}],"sentiment":"neutral","sentiment_score":0.30070832860274394,"num_words":61,"start":612.0,"end":643.00995},{"sentences":[{"text":"So in in five years, if everything obviously kind of stays the same, then, yes, it does make a pretty big difference, and that, again, is literally very minor changes.","start":643.00995,"end":656.995,"sentiment":"neutral","sentiment_score":0.1200333262483279},{"text":"But even though just minor changes, it still makes a big difference and is important.","start":657.935,"end":662.995,"sentiment":"neutral","sentiment_score":0.15935642073551815},{"text":"So the reason also we use that five year rolling average is because you never know what's going to happen.","start":664.09503,"end":671.13995,"sentiment":"neutral","sentiment_score":-0.016750723496079443},{"text":"You know, in the market and in the world, you can't guarantee investment returns, but that's why we want to use five years.","start":671.13995,"end":679.39996,"sentiment":"neutral","sentiment_score":-0.027127264573684206},{"text":"Because using a five year period and then averaging that out on a yearly basis gives us a little bit more certainty of what's happened in the market and the portfolio as well.","start":679.735,"end":690.055,"sentiment":"neutral","sentiment_score":0.252400563973369}],"sentiment":"neutral","sentiment_score":0.11042663764039223,"num_words":121,"start":643.00995,"end":690.055},{"sentences":[{"text":"Does that make sense?","start":690.055,"end":691.115,"sentiment":"neutral","sentiment_score":0.10640967823565006},{"text":"Yep.","start":693.255,"end":693.755,"sentiment":"neutral","sentiment_score":0.18438208103179932},{"text":"Perfect.","start":693.815,"end":694.315,"sentiment":"positive","sentiment_score":0.6247071623802185},{"text":"Now the good thing as well with the recommendation is that it's estimated to not result in any capital gains tax.","start":694.93005,"end":703.03,"sentiment":"neutral","sentiment_score":0.10160265117883682},{"text":"So often when you sell investments, if they have gone up, you will have to pay capital gains tax on those investment earnings similar to, like, if you were to sell an investment property.","start":703.65,"end":715.125,"sentiment":"neutral","sentiment_score":-0.007274783709469964}],"sentiment":"neutral","sentiment_score":0.051164606311282175,"num_words":61,"start":690.055,"end":715.125},{"sentences":[{"text":"The same kind of concept is within superannuation.","start":715.66504,"end":718.48505,"sentiment":"neutral","sentiment_score":0.046388298738747835},{"text":"It's all within the superannuation environment, though, So it's not something that you would ever have to pay for personally or that you'd have to declare when you do your tax return or anything like that.","start":719.825,"end":731.17004,"sentiment":"neutral","sentiment_score":0.05116902240034607},{"text":"But it is something we obviously look at when we are looking at changing investments because we want to minimize that for you.","start":731.39,"end":737.58496,"sentiment":"neutral","sentiment_score":0.207339221044727},{"text":"We don't want you to paying any unnecessary tax if we don't have to.","start":737.64496,"end":741.90497,"sentiment":"neutral","sentiment_score":0.09943977956260953},{"text":"So the good thing with the recommendations I have made on your investments, it is estimated to not trigger any capital gains tax at all, which is great.","start":742.44495,"end":752.24,"sentiment":"positive","sentiment_score":0.4833766163459846}],"sentiment":"neutral","sentiment_score":0.20099720598087398,"num_words":109,"start":715.66504,"end":752.24},{"sentences":[{"text":"Yep.","start":754.22,"end":754.72,"sentiment":"neutral","sentiment_score":0.21400585770606995},{"text":"Any questions so far?","start":755.1,"end":756.72,"sentiment":"neutral","sentiment_score":0.0997011810541153},{"text":"No.","start":758.62,"end":759.1,"sentiment":"neutral","sentiment_score":0.04283061623573303},{"text":"Okay.","start":759.1,"end":759.6,"sentiment":"neutral","sentiment_score":0.18632157146930697},{"text":"Beautiful.","start":759.66,"end":760.16,"sentiment":"positive","sentiment_score":0.49720698595047}],"sentiment":"neutral","sentiment_score":0.16739621944725513,"num_words":8,"start":754.22,"end":760.16},{"sentences":[{"text":"Now you said on the table there, you can also see at the bottom, it's projected for that five and ten years, and you can see that it does make a pretty big difference, which is great.","start":761.1,"end":770.695,"sentiment":"positive","sentiment_score":0.45159666038848256},{"text":"Now the next page is an also shows you performance return a bit more.","start":770.835,"end":778.355,"sentiment":"neutral","sentiment_score":0.22506675443478993},{"text":"It shows you twelve months, three years, five years, and ten years.","start":778.355,"end":783.11,"sentiment":"neutral","sentiment_score":0.1992451436817646},{"text":"And across all time frames, the recommended portfolio in Hub twenty four has outperformed all the others, which is great.","start":783.11,"end":791.93,"sentiment":"positive","sentiment_score":0.5610944837331772},{"text":"Now what that actually looks like in terms of the investment change for you, Steven, is on page 18, if you can see that.","start":795.065,"end":802.585,"sentiment":"neutral","sentiment_score":0.12980666058138013}],"sentiment":"positive","sentiment_score":0.3419458154136332,"num_words":107,"start":761.1,"end":802.585},{"sentences":[{"text":"It's another table.","start":802.585,"end":803.725,"sentiment":"neutral","sentiment_score":0.07263413568337758},{"text":"Yeah.","start":805.785,"end":806.265,"sentiment":"neutral","sentiment_score":0.13072295486927032},{"text":"So the only change that we are the only investment that we are completely changing is one, and that is your the second one from the top where it says Benelon concentrated equities.","start":806.265,"end":818.01996,"sentiment":"neutral","sentiment_score":0.07990263058154871},{"text":"Can you see that one?","start":818.07996,"end":819.3,"sentiment":"neutral","sentiment_score":0.033228973299264906},{"text":"Yep.","start":823.855,"end":824.355,"sentiment":"neutral","sentiment_score":-0.012557300738990309}],"sentiment":"neutral","sentiment_score":0.07299999388064755,"num_words":43,"start":802.585,"end":824.355},{"sentences":[{"text":"So, basically, this table, it might look a little bit messy, but it just shows you the changes in the investment.","start":824.495,"end":829.855,"sentiment":"neutral","sentiment_score":0.03798189435508989},{"text":"So you have the investment name first.","start":829.855,"end":831.955,"sentiment":"neutral","sentiment_score":0.04483471305242607},{"text":"You have the kind of special little code.","start":832.38,"end":834.56,"sentiment":"neutral","sentiment_score":0.06011167028918862},{"text":"You have how much you have invested in each option, what that kind of correlates through from a dollar value, and then you have the buy and sell column.","start":834.7,"end":844.365,"sentiment":"neutral","sentiment_score":0.04763843806396271},{"text":"Now everything in red is basically what we are selling or just changing a little bit, and what's black is what we are either buying a little bit more of or just keeping the same.","start":844.925,"end":855.725,"sentiment":"neutral","sentiment_score":0.0013874975831380913}],"sentiment":"neutral","sentiment_score":0.030224332544021307,"num_words":100,"start":824.495,"end":855.725},{"sentences":[{"text":"Does that make sense?","start":855.725,"end":856.865,"sentiment":"neutral","sentiment_score":0.0427933381870389},{"text":"Yep.","start":858.925,"end":859.425,"sentiment":"neutral","sentiment_score":0.1095198318362236},{"text":"So the only real change we are doing completely is that second one from the top where it says Ben along Australian equities.","start":859.62994,"end":866.52997,"sentiment":"neutral","sentiment_score":0.013159030319555946},{"text":"What I have recommended is that we completely sell out of that one and replace it with the one listed at the bottom where it says Australia 200.","start":867.06995,"end":878.325,"sentiment":"neutral","sentiment_score":-0.03850486847971167},{"text":"Can you see that?","start":878.325,"end":879.305,"sentiment":"neutral","sentiment_score":0.05059233866631985}],"sentiment":"neutral","sentiment_score":-0.004873601347208023,"num_words":60,"start":855.725,"end":879.305},{"sentences":[{"text":"Yes.","start":881.685,"end":882.185,"sentiment":"neutral","sentiment_score":0.09929622709751128},{"text":"So this is the one I kind of mentioned during the under review that I did wanted to do a bit more research with because recently, it has under little bit, so we wanted to see if we found some better options.","start":882.245,"end":893.13,"sentiment":"neutral","sentiment_score":0.06487798486791906},{"text":"Now with this one here, it is invested in Australian investment, so we wanted to find something that was suitable.","start":893.75,"end":900.81,"sentiment":"neutral","sentiment_score":0.1467958316206932},{"text":"And if we're replacing one Australian investment, we wanted to look at a similar competitor for also Australian investment, making sure that your portfolio overall is still very diversified and gives you good amount of exposure, not having too much in one particular market.","start":901.47504,"end":917.79,"sentiment":"neutral","sentiment_score":0.1776012840088118},{"text":"So that was the main thing.","start":918.57,"end":920.11,"sentiment":"neutral","sentiment_score":0.21355810264746347}],"sentiment":"neutral","sentiment_score":0.13146808262156173,"num_words":113,"start":881.685,"end":920.11},{"sentences":[{"text":"We wanted to improve the returns a little bit and make things a little bit cheaper for you.","start":920.49,"end":925.05,"sentiment":"positive","sentiment_score":0.37369747791025376},{"text":"So the good thing with the BetaShares Australia 200 is that kind of what the name says, it is investing in the 200 largest companies listed in Australia.","start":925.05,"end":936.66504,"sentiment":"positive","sentiment_score":0.4652504644223622},{"text":"So very diversified for you.","start":936.965,"end":938.72504,"sentiment":"positive","sentiment_score":0.5220620155334472},{"text":"And if something were to happen to one company, it's not going to fluctuate as much because you do have 200 in one just that one single investment.","start":938.72504,"end":947.02997,"sentiment":"neutral","sentiment_score":0.2782165024961744},{"text":"Does that kind of make sense, Steven?","start":947.64996,"end":949.43,"sentiment":"neutral","sentiment_score":0.18886383729321615}],"sentiment":"positive","sentiment_score":0.36599984435841093,"num_words":86,"start":920.49,"end":949.43},{"sentences":[{"text":"Yes.","start":951.41,"end":951.91,"sentiment":"neutral","sentiment_score":0.14895014464855194},{"text":"So that was what that one switch was.","start":952.05,"end":954.69,"sentiment":"neutral","sentiment_score":0.1543127279728651},{"text":"Now the other thing in red, what that is is just rebalancing your portfolio.","start":954.69,"end":960.755,"sentiment":"neutral","sentiment_score":0.09468719070511204},{"text":"Now, basically, what rebalancing means is that, you know, over time, the different investments can perform differently.","start":961.455,"end":968.735,"sentiment":"neutral","sentiment_score":0.10122868506347432},{"text":"So some does a lot better.","start":968.735,"end":970.515,"sentiment":"neutral","sentiment_score":0.08695225541790326}],"sentiment":"neutral","sentiment_score":0.10764508297585923,"num_words":46,"start":951.41,"end":970.515},{"sentences":[{"text":"Others might not do as well.","start":970.8,"end":972.66,"sentiment":"neutral","sentiment_score":-0.2598727469642957},{"text":"So what can happen over time is that your portfolio will kind of drift away from its intended asset allocation.","start":973.04,"end":981.06,"sentiment":"neutral","sentiment_score":-0.27089101299643514},{"text":"So rebalancing basically just means buying and selling investments where appropriate to do so to kind of put everything back into alignment, back to where it it should be, to making sure that you're not taking on, you know, more risk or less risk than intended.","start":981.92,"end":997.615,"sentiment":"neutral","sentiment_score":0.05270645362527474},{"text":"So it's just kind of bringing everything back into alignment.","start":997.615,"end":1001.01,"sentiment":"neutral","sentiment_score":0.1653619721531868},{"text":"But for example, you can see the second the third one from the top, at the moment, I have a 6.46 in this one.","start":1001.07,"end":1009.17004,"sentiment":"neutral","sentiment_score":0.1346290468548735}],"sentiment":"neutral","sentiment_score":0.0031335563311037026,"num_words":106,"start":970.8,"end":1009.17004},{"sentences":[{"text":"Keeping it in your portfolio, we're just aligning it back to 4%.","start":1009.31,"end":1013.80505,"sentiment":"neutral","sentiment_score":0.13547221074501672},{"text":"Does that kind of make sense?","start":1013.86505,"end":1015.24506,"sentiment":"neutral","sentiment_score":0.10323758671681087},{"text":"Yep.","start":1017.625,"end":1018.125,"sentiment":"neutral","sentiment_score":0.266226589679718},{"text":"So, yeah, basically, pretty straightforward just changing one investment completely, and the rest is just kind of rebalancing everything back into alignment.","start":1018.905,"end":1026.765,"sentiment":"positive","sentiment_score":0.4416804611682892},{"text":"So pretty straightforward what we are doing with the investments for you.","start":1027.38,"end":1032.28,"sentiment":"positive","sentiment_score":0.3953452756007512}],"sentiment":"neutral","sentiment_score":0.32023456777041814,"num_words":53,"start":1009.31,"end":1032.28},{"sentences":[{"text":"Now on the next couple of pages, and I'm almost at the end there for you, Steven, it shows you your risk profile.","start":1033.86,"end":1041.815,"sentiment":"neutral","sentiment_score":0.08498203333305276},{"text":"So that is page 20 if you can see that.","start":1041.815,"end":1044.5549,"sentiment":"neutral","sentiment_score":0.06431672349572182},{"text":"And it's like another little table, and there's like a pie chart in it?","start":1050.215,"end":1054.01,"sentiment":"neutral","sentiment_score":0.044974008442035744},{"text":"Yes.","start":1058.39,"end":1058.89,"sentiment":"neutral","sentiment_score":0.03478271886706352},{"text":"Yes.","start":1061.5901,"end":1062.0901,"sentiment":"neutral","sentiment_score":0.08651158213615417}],"sentiment":"neutral","sentiment_score":0.0683404983838602,"num_words":49,"start":1033.86,"end":1062.0901},{"sentences":[{"text":"Correct.","start":1062.23,"end":1062.73,"sentiment":"neutral","sentiment_score":0.14379368722438812},{"text":"So what this table shows you is then how much we have in your growth and your defensive.","start":1063.1901,"end":1068.855,"sentiment":"neutral","sentiment_score":0.18562335438198513},{"text":"So if you look at the second column, it says risk profile, and it shows you that roughly we're aiming for about 80% in those growth investments, 20% in defensive.","start":1068.855,"end":1081.7101,"sentiment":"neutral","sentiment_score":0.1870220067600409},{"text":"You then have your existing portfolio next to it, which shows that at the moment, you are invested in growth at about 84.51 with about 14.79 in defensive.","start":1082.65,"end":1096.115,"sentiment":"neutral","sentiment_score":0.19245732123298304},{"text":"And then the recommended is eighty four sixteen and fifteen eighty four in defensive.","start":1097.375,"end":1102.595,"sentiment":"neutral","sentiment_score":0.17295197823217937}],"sentiment":"neutral","sentiment_score":0.18577809844698226,"num_words":91,"start":1062.23,"end":1102.595},{"sentences":[{"text":"So both very closely aligned, which shows you that by making that one investment change and rebalancing your portfolio, you're not taking on any additional risks, which is good.","start":1102.6549,"end":1112.77,"sentiment":"positive","sentiment_score":0.35031358024169656},{"text":"Yep.","start":1115.87,"end":1116.37,"sentiment":"neutral","sentiment_score":0.25115761160850525},{"text":"Now what I have also just included is just obviously keeping your c bus insurances.","start":1116.4299,"end":1121.365,"sentiment":"neutral","sentiment_score":0.19010012944539387},{"text":"We wanna make sure you have that life and TPD if something were to happen, but not making any changes in regards to that.","start":1121.665,"end":1128.725,"sentiment":"neutral","sentiment_score":0.20319364499300718},{"text":"Leaving that all the same, which is good.","start":1128.945,"end":1131.765,"sentiment":"positive","sentiment_score":0.46546800062060356}],"sentiment":"neutral","sentiment_score":0.283923959286956,"num_words":77,"start":1102.6549,"end":1131.765},{"sentences":[{"text":"And then what I've also included is just some general information in regards to setting up a will and making a nomination for power of attorney.","start":1132.18,"end":1142.4401,"sentiment":"neutral","sentiment_score":0.16083558104359186},{"text":"It is something I always recommend everyone to consider.","start":1143.3,"end":1146.12,"sentiment":"positive","sentiment_score":0.44635940922631157},{"text":"So I have included that for you so you can have a read over that in your own time as well.","start":1146.485,"end":1151.225,"sentiment":"positive","sentiment_score":0.351186664331527},{"text":"It talks about, you know, advantages some disadvantages and risks in regards to setting up a will, what to be mindful of, and same for power over tech.","start":1151.365,"end":1162.4801,"sentiment":"neutral","sentiment_score":0.1581121309261237},{"text":"That all make sense?","start":1162.4801,"end":1163.62,"sentiment":"neutral","sentiment_score":0.1871141418814659}],"sentiment":"neutral","sentiment_score":0.2357894997112453,"num_words":88,"start":1132.18,"end":1163.62},{"sentences":[{"text":"Yeah.","start":1165.04,"end":1165.4401,"sentiment":"positive","sentiment_score":0.37550145387649536},{"text":"Perfect.","start":1165.4401,"end":1165.9401,"sentiment":"positive","sentiment_score":0.630641520023346},{"text":"Now the last thing is just in regards to the fee structure.","start":1166.0,"end":1169.04,"sentiment":"neutral","sentiment_score":0.1905874845882257},{"text":"So like I mentioned during the annual review, Steven, there's no changes whatsoever in regards to the fee structure.","start":1169.04,"end":1175.4349,"sentiment":"neutral","sentiment_score":0.25203285013374527},{"text":"That stays exactly the same at that 1.65 from Super, so no additional fees or charges at all.","start":1175.495,"end":1182.955,"sentiment":"positive","sentiment_score":0.36740636163287693}],"sentiment":"neutral","sentiment_score":0.28813983237042146,"num_words":51,"start":1165.04,"end":1182.955},{"sentences":[{"text":"So, essentially, from here is if you wanted to take some time to have a read over the document in your own time, you are more than welcome to do so.","start":1183.6549,"end":1193.13,"sentiment":"positive","sentiment_score":0.35755532691555636},{"text":"If you do have a read through it or if you are happy to go ahead with a couple of changes to move forward, it would then be to sign the documents that you are in at the moment digitally, the same as you did during the under review, and then it will automatically send it back to me.","start":1193.6699,"end":1212.005,"sentiment":"positive","sentiment_score":0.37304909325252145},{"text":"And that tells me that you are happy to go ahead with that little investment change for you, and I will let the team know to go ahead and do that.","start":1212.23,"end":1219.4501,"sentiment":"positive","sentiment_score":0.6671310663223267},{"text":"K.","start":1221.91,"end":1222.41,"sentiment":"neutral","sentiment_score":0.10284806787967682},{"text":"Okay.","start":1222.87,"end":1223.27,"sentiment":"neutral","sentiment_score":0.28618308901786804}],"sentiment":"positive","sentiment_score":0.44035939714772915,"num_words":123,"start":1183.6549,"end":1223.27},{"sentences":[{"text":"Perfect.","start":1223.27,"end":1223.77,"sentiment":"positive","sentiment_score":0.5670472383499146},{"text":"Like I said, it's pretty straightforward.","start":1225.35,"end":1226.7101,"sentiment":"positive","sentiment_score":0.5369574924310049},{"text":"It's just literally changing that one investment and rebalance your portfolio, which does make make it a bit cheaper and improve that returns for you.","start":1226.7101,"end":1235.665,"sentiment":"positive","sentiment_score":0.6014939379692078},{"text":"If later as well when you do have access to a computer, you wanted to go back and have a read over to look at the numbers if it's a bit funky on the phone, it's all there for you as well where you can have a look at it.","start":1236.365,"end":1248.9901,"sentiment":"positive","sentiment_score":0.43709074079990384},{"text":"So let me know how you go with with it.","start":1250.65,"end":1253.3701,"sentiment":"positive","sentiment_score":0.343043851852417}],"sentiment":"positive","sentiment_score":0.4794686543552772,"num_words":92,"start":1223.27,"end":1253.3701},{"sentences":[{"text":"If you have any issues, I can stay on the phone if you would like just to make sure it all gets done.","start":1253.3701,"end":1259.285,"sentiment":"neutral","sentiment_score":0.24606048283369644},{"text":"Yep.","start":1263.8251,"end":1264.3251,"sentiment":"neutral","sentiment_score":0.2380679547786713},{"text":"It should just be the one signature in this document.","start":1264.625,"end":1267.285,"sentiment":"neutral","sentiment_score":0.2568374291062355},{"text":"And it should just ask you to draw a little signature, and it often adds the date automatically.","start":1277.36,"end":1282.8201,"sentiment":"neutral","sentiment_score":0.1686408751540714},{"text":"Okay.","start":1289.325,"end":1289.825,"sentiment":"positive","sentiment_score":0.3729552626609802}],"sentiment":"neutral","sentiment_score":0.22404385597076057,"num_words":53,"start":1253.3701,"end":1289.825},{"sentences":[{"text":"Perfect.","start":1289.885,"end":1290.2849,"sentiment":"positive","sentiment_score":0.5983928442001343},{"text":"And does it say in the corner validate?","start":1290.2849,"end":1293.105,"sentiment":"neutral","sentiment_score":0.1451254365965724},{"text":"Can you see a button where it says validate?","start":1293.485,"end":1295.34,"sentiment":"neutral","sentiment_score":0.042997719513045415},{"text":"Start?","start":1305.58,"end":1306.08,"sentiment":"neutral","sentiment_score":-0.0273017268627882},{"text":"Okay.","start":1314.315,"end":1314.715,"sentiment":"neutral","sentiment_score":0.014801103621721268}],"sentiment":"neutral","sentiment_score":0.10669375946745277,"num_words":20,"start":1289.885,"end":1314.715},{"sentences":[{"text":"And is there a signature there?","start":1314.715,"end":1316.495,"sentiment":"neutral","sentiment_score":0.0031878997882207236},{"text":"There shouldn't be.","start":1319.755,"end":1321.1,"sentiment":"neutral","sentiment_score":-0.0626245488723119},{"text":"No.","start":1325.24,"end":1325.74,"sentiment":"neutral","sentiment_score":-0.04729750379920006},{"text":"Yes.","start":1326.04,"end":1326.54,"sentiment":"neutral","sentiment_score":0.016588754951953888},{"text":"Oh, beautiful.","start":1327.5599,"end":1328.46,"sentiment":"positive","sentiment_score":0.5595903694629669}],"sentiment":"neutral","sentiment_score":0.07074813401469818,"num_words":13,"start":1314.715,"end":1328.46},{"sentences":[{"text":"Yeah.","start":1328.52,"end":1329.02,"sentiment":"neutral","sentiment_score":0.30819493532180786},{"text":"So the financial services guide is the same one we had during the annual review for you.","start":1329.08,"end":1333.32,"sentiment":"neutral","sentiment_score":0.28899533345418815},{"text":"Just another copy if you wanted to have a read over it.","start":1333.32,"end":1336.505,"sentiment":"neutral","sentiment_score":0.2570064999163151},{"text":"And then, yes, when you press validate, it will then send it all back to me, and I will get that all uploaded and sorted for you and go ahead and make those little investment changes.","start":1336.8049,"end":1349.18,"sentiment":"positive","sentiment_score":0.35318438791566426},{"text":"Now let me see if I can just refresh to make sure that's all done.","start":1349.64,"end":1353.74,"sentiment":"neutral","sentiment_score":0.15993783374627432}],"sentiment":"neutral","sentiment_score":0.2891222107925533,"num_words":81,"start":1328.52,"end":1353.74},{"sentences":[{"text":"Do you have much planned for the rest of the day?","start":1354.2001,"end":1356.3,"sentiment":"neutral","sentiment_score":0.10080563954331657},{"text":"Oh, yeah.","start":1361.64,"end":1362.165,"sentiment":"neutral","sentiment_score":0.04080711491405964},{"text":"Fun.","start":1362.3251,"end":1362.8251,"sentiment":"neutral","sentiment_score":0.17216956615447998},{"text":"Yeah.","start":1364.245,"end":1364.5651,"sentiment":"neutral","sentiment_score":0.05348962172865867},{"text":"Oh, yeah.","start":1364.5651,"end":1365.045,"sentiment":"neutral","sentiment_score":0.04279642552137375}],"sentiment":"neutral","sentiment_score":0.08833695904296987,"num_words":17,"start":1354.2001,"end":1365.045},{"sentences":[{"text":"Well, let me see.","start":1365.045,"end":1366.5651,"sentiment":"neutral","sentiment_score":0.03756532911211252},{"text":"Does it say this is loading on your end at all, Steven?","start":1366.5651,"end":1369.865,"sentiment":"neutral","sentiment_score":0.020074967527762055},{"text":"Or what is what can you see?","start":1369.925,"end":1371.625,"sentiment":"neutral","sentiment_score":0.006766957363912037},{"text":"Loading.","start":1374.405,"end":1374.905,"sentiment":"neutral","sentiment_score":0.02871019206941128},{"text":"Yeah.","start":1375.13,"end":1375.29,"sentiment":"neutral","sentiment_score":0.0298082884401083}],"sentiment":"neutral","sentiment_score":0.019881924353539943,"num_words":25,"start":1365.045,"end":1375.29},{"sentences":[{"text":"Sometimes it takes a minute.","start":1375.29,"end":1379.886,"sentiment":"neutral","sentiment_score":0.014074706844985485},{"text":"Yeah.","start":1380.41,"end":1380.91,"sentiment":"neutral","sentiment_score":0.006350759416818619},{"text":"Oh, sometimes I swear to technology is great when it works, but then when it takes a minute, it can be a bit frustrating.","start":1382.49,"end":1393.485,"sentiment":"neutral","sentiment_score":0.010300065701206526},{"text":"Yeah.","start":1394.185,"end":1394.5851,"sentiment":"neutral","sentiment_score":-0.04065994918346405},{"text":"No.","start":1394.5851,"end":1394.905,"sentiment":"neutral","sentiment_score":-0.057784225791692734}],"sentiment":"neutral","sentiment_score":0.007046302984235808,"num_words":32,"start":1375.29,"end":1394.905},{"sentences":[{"text":"It comes on take a minute.","start":1394.905,"end":1396.285,"sentiment":"neutral","sentiment_score":-0.001320207491517067},{"text":"But I can actually see just now that came through on my end, which is great.","start":1396.505,"end":1400.505,"sentiment":"positive","sentiment_score":0.35920514864847064},{"text":"So it didn't take too too long.","start":1400.505,"end":1402.605,"sentiment":"neutral","sentiment_score":0.08227705104010445},{"text":"Now like I said, Steven, the document is always there for you to have a read.","start":1403.35,"end":1406.95,"sentiment":"neutral","sentiment_score":0.23215957544744015},{"text":"So if you ever wanna go back when you have a bit more time or you wanna look at it, you just click back into that link.","start":1406.95,"end":1412.95,"sentiment":"neutral","sentiment_score":0.16966974486907324}],"sentiment":"neutral","sentiment_score":0.20292967790737748,"num_words":72,"start":1394.905,"end":1412.95},{"sentences":[{"text":"It's all there for you.","start":1412.95,"end":1414.33,"sentiment":"neutral","sentiment_score":0.2424086421728134},{"text":"If you have any issues, sorry, you can always just give me a call, and, we can always email you a copy as well.","start":1414.47,"end":1420.635,"sentiment":"neutral","sentiment_score":0.08112978252271812},{"text":"Yeah.","start":1422.215,"end":1422.535,"sentiment":"neutral","sentiment_score":0.31513816118240356},{"text":"Beautiful.","start":1422.535,"end":1422.9349,"sentiment":"positive","sentiment_score":0.7282401323318481},{"text":"But that was essentially everything that I needed to go over with you today.","start":1422.9349,"end":1426.395,"sentiment":"positive","sentiment_score":0.4454347108091627}],"sentiment":"neutral","sentiment_score":0.23196938302781847,"num_words":45,"start":1412.95,"end":1426.395},{"sentences":[{"text":"Do you have any questions for me before I let you go and get on with your afternoon?","start":1426.695,"end":1431.25,"sentiment":"neutral","sentiment_score":0.15395031248529753},{"text":"No?","start":1433.3899,"end":1433.87,"sentiment":"neutral","sentiment_score":0.006302777677774429},{"text":"Okay.","start":1433.87,"end":1434.19,"sentiment":"neutral","sentiment_score":0.2686613202095032},{"text":"Beautiful.","start":1434.19,"end":1434.6699,"sentiment":"positive","sentiment_score":0.6414740681648254},{"text":"Well, thank you so much for your time this afternoon, Steven, and I hope you enjoy the rest of your day.","start":1434.6699,"end":1439.49,"sentiment":"positive","sentiment_score":0.7768755555152893}],"sentiment":"positive","sentiment_score":0.4762364394430603,"num_words":42,"start":1426.695,"end":1439.49},{"sentences":[{"text":"Mhmm.","start":1440.99,"end":1441.49,"sentiment":"neutral","sentiment_score":0.24216660857200625},{"text":"Beautiful.","start":1441.7899,"end":1442.2899,"sentiment":"positive","sentiment_score":0.7307731509208679},{"text":"Thanks.","start":1442.35,"end":1442.83,"sentiment":"positive","sentiment_score":0.6889946460723877},{"text":"Bye.","start":1442.83,"end":1443.33,"sentiment":"neutral","sentiment_score":-0.10948437452316284}],"sentiment":"positive","sentiment_score":0.38811250776052475,"num_words":4,"start":1440.99,"end":1443.33}]}}]},{"alternatives":[{"transcript":"Hello? Yes. Good. Thank you. Yes. Yep. Steven Gordon Gilbert. November 8 9970, Unit 404 Stratford Lane, Galvin, New South Wales two 580. Yeah. Too busy. Yep. To my email so I can have it. Signature request for Veronica Glover. Okay. So click on the link for the signature, sign document. Taking a minute. Yep. Yep. Yep. Yes. Yep. Yep. Yes. Okay. Yep. Yes. Yep. Not too straightforward. Yep. Yes. I can see it. Every time I try to zoom in, do it, my phone has has a heathy pic. Yeah. I'm gonna look at yep. Yeah. I'm I'm gonna go to my I'm gonna go to my work this week and get them to put extra money in that per week. If I put $50 a week, you know, it should be good. Pretty good. Yep. Yep. Okay. I'll I'll keep it on. Yep. If the sea bus doesn't actually go at all. No. That that's why I moved to you guys. Yep. Yep. Yep. Yes. It's a 60 year old Bailey. Okay. Yep. Yeah. Okay. Yep. Yep. Yes. Yes. Yes. Okay. Yes. Okay. So page 20, proposed asset allocation. Okay. Yes. Yes. Okay. I'll I'll just sign it. Okay. So I know. Yep. I already done the signature on that one. Nope. No? It it said next document. I went to the financial services, sir. Nope. Next document. Validate. I'm gonna go and clean up. Still haven't had a shower for work yet. Loading. I mean, I mean, Goldman has to catch up with the rest of the world. That's that's the trouble other people assume, and it just works straight away, but it doesn't. Yep. Okay then. Thank you. That was all. You too. Thank you. 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Yes. Good. Thank you. Yes.\n\nYep. Steven Gordon Gilbert. November 8 9970, Unit 404 Stratford Lane, Galvin, New South Wales two 580. Yeah. Too busy.\n\nYep. To my email so I can have it. Signature request for Veronica Glover. Okay. So click on the link for the signature, sign document.\n\nTaking a minute. Yep. Yep. Yep. Yes.\n\nYep. Yep. Yes. Okay. Yep.\n\nYes. Yep. Not too straightforward. Yep. Yes.\n\nI can see it. Every time I try to zoom in, do it, my phone has has a heathy pic. Yeah. I'm gonna look at yep. Yeah.\n\nI'm I'm gonna go to my I'm gonna go to my work this week and get them to put extra money in that per week. If I put $50 a week, you know, it should be good. Pretty good. Yep. Yep.\n\nOkay. I'll I'll keep it on. Yep. If the sea bus doesn't actually go at all. No.\n\nThat that's why I moved to you guys. Yep. Yep. Yep. Yes.\n\nIt's a 60 year old Bailey. Okay. Yep. Yeah. Okay.\n\nYep. Yep. Yes. Yes. Yes.\n\nOkay. Yes. Okay. So page 20, proposed asset allocation. 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all.","start":534.625,"end":537.045,"sentiment":"neutral","sentiment_score":-0.024739361368119717},{"text":"No.","start":539.52997,"end":539.77,"sentiment":"neutral","sentiment_score":-0.20104949176311493}],"sentiment":"neutral","sentiment_score":-0.004298967446255333,"num_words":17,"start":501.095,"end":539.77},{"sentences":[{"text":"That that's why I moved to you guys.","start":539.77,"end":541.55,"sentiment":"neutral","sentiment_score":-0.16879081912338734},{"text":"Yep.","start":555.665,"end":556.165,"sentiment":"neutral","sentiment_score":0.28012406826019287},{"text":"Yep.","start":609.52,"end":610.02,"sentiment":"neutral","sentiment_score":0.1847875565290451},{"text":"Yep.","start":610.735,"end":611.235,"sentiment":"neutral","sentiment_score":0.12922582030296326},{"text":"Yes.","start":639.41003,"end":639.91003,"sentiment":"neutral","sentiment_score":0.08544043451547623}],"sentiment":"neutral","sentiment_score":-0.05589572278161844,"num_words":12,"start":539.77,"end":639.91003},{"sentences":[{"text":"It's a 60 year old Bailey.","start":640.025,"end":645.085,"sentiment":"neutral","sentiment_score":0.05778374460836252},{"text":"Okay.","start":664.82,"end":665.32,"sentiment":"neutral","sentiment_score":0.056492071598768234},{"text":"Yep.","start":692.45,"end":692.95,"sentiment":"neutral","sentiment_score":0.11682192981243134},{"text":"Yeah.","start":715.96,"end":716.46,"sentiment":"neutral","sentiment_score":0.06238126754760742},{"text":"Okay.","start":751.435,"end":751.935,"sentiment":"positive","sentiment_score":0.4114142060279846}],"sentiment":"neutral","sentiment_score":0.09938119426369667,"num_words":10,"start":640.025,"end":751.935},{"sentences":[{"text":"Yep.","start":772.22003,"end":772.72003,"sentiment":"neutral","sentiment_score":0.3321371376514435},{"text":"Yep.","start":804.78,"end":805.28,"sentiment":"neutral","sentiment_score":0.10750386118888856},{"text":"Yes.","start":858.08997,"end":858.58997,"sentiment":"neutral","sentiment_score":0.1005549281835556},{"text":"Yes.","start":880.86,"end":881.36,"sentiment":"neutral","sentiment_score":0.10090859979391098},{"text":"Yes.","start":950.55,"end":951.05,"sentiment":"neutral","sentiment_score":0.1380438357591629}],"sentiment":"neutral","sentiment_score":0.15582967251539231,"num_words":5,"start":772.22003,"end":951.05},{"sentences":[{"text":"Okay.","start":1016.195,"end":1016.695,"sentiment":"neutral","sentiment_score":0.19109828770160675},{"text":"Yes.","start":1017.795,"end":1018.295,"sentiment":"positive","sentiment_score":0.3430032432079315},{"text":"Okay.","start":1034.135,"end":1034.635,"sentiment":"neutral","sentiment_score":0.1303168535232544},{"text":"So page 20, proposed asset allocation.","start":1055.35,"end":1060.65,"sentiment":"neutral","sentiment_score":0.02365393005311489},{"text":"Okay.","start":1114.78,"end":1115.28,"sentiment":"neutral","sentiment_score":0.2403726875782013}],"sentiment":"neutral","sentiment_score":0.10467146523296833,"num_words":10,"start":1016.195,"end":1115.28},{"sentences":[{"text":"Yes.","start":1120.505,"end":1121.005,"sentiment":"neutral","sentiment_score":0.1208060383796692},{"text":"Yes.","start":1164.02,"end":1164.52,"sentiment":"neutral","sentiment_score":0.20100319385528564},{"text":"Okay.","start":1220.4501,"end":1220.93,"sentiment":"neutral","sentiment_score":0.20700374245643616},{"text":"I'll I'll just sign it.","start":1220.93,"end":1222.47,"sentiment":"neutral","sentiment_score":0.12499524652957916},{"text":"Okay.","start":1249.76,"end":1250.26,"sentiment":"neutral","sentiment_score":0.31033116579055786}],"sentiment":"neutral","sentiment_score":0.16268004145887163,"num_words":9,"start":1120.505,"end":1250.26},{"sentences":[{"text":"So I know.","start":1262.0549,"end":1262.955,"sentiment":"neutral","sentiment_score":0.2032956083615621},{"text":"Yep.","start":1286.085,"end":1286.585,"sentiment":"neutral","sentiment_score":0.18230366706848145},{"text":"I already done the signature on that one.","start":1286.885,"end":1288.985,"sentiment":"neutral","sentiment_score":0.23236817866563797},{"text":"Nope.","start":1297.3,"end":1297.8,"sentiment":"neutral","sentiment_score":-0.050706248730421066},{"text":"No?","start":1300.26,"end":1300.76,"sentiment":"neutral","sentiment_score":-0.04846961051225662}],"sentiment":"neutral","sentiment_score":0.1822828615882567,"num_words":14,"start":1262.0549,"end":1300.76},{"sentences":[{"text":"It it said next document.","start":1308.66,"end":1311.075,"sentiment":"neutral","sentiment_score":-0.016089565679430963},{"text":"I went to the financial services, sir.","start":1311.075,"end":1313.335,"sentiment":"neutral","sentiment_score":0.009040385484695435},{"text":"Nope.","start":1324.035,"end":1324.435,"sentiment":"neutral","sentiment_score":-0.07470424473285675},{"text":"Next document.","start":1324.435,"end":1325.335,"sentiment":"neutral","sentiment_score":-0.02665188815444708},{"text":"Validate.","start":1326.09,"end":1326.59,"sentiment":"neutral","sentiment_score":0.03094170987606049}],"sentiment":"neutral","sentiment_score":-0.007139465073123574,"num_words":16,"start":1308.66,"end":1326.59},{"sentences":[{"text":"I'm gonna go and clean up.","start":1358.05,"end":1361.03,"sentiment":"neutral","sentiment_score":0.0557175570478042},{"text":"Still haven't had a shower for work yet.","start":1361.25,"end":1363.1901,"sentiment":"neutral","sentiment_score":0.050864143995568156},{"text":"Loading.","start":1375.0549,"end":1375.5349,"sentiment":"neutral","sentiment_score":0.050235576927661896},{"text":"I mean, I mean, Goldman has to catch up with the rest of the world.","start":1375.5349,"end":1378.515,"sentiment":"neutral","sentiment_score":0.021811006839076677},{"text":"That's that's the trouble other people assume, and it just works straight away, but it doesn't.","start":1389.27,"end":1393.45,"sentiment":"neutral","sentiment_score":-0.14249796560034156}],"sentiment":"neutral","sentiment_score":-0.025246701648701794,"num_words":46,"start":1358.05,"end":1393.45},{"sentences":[{"text":"Yep.","start":1400.95,"end":1401.45,"sentiment":"neutral","sentiment_score":0.013454729691147804},{"text":"Okay then.","start":1421.14,"end":1421.96,"sentiment":"neutral","sentiment_score":0.14020881801843643},{"text":"Thank you.","start":1432.235,"end":1432.635,"sentiment":"positive","sentiment_score":0.5127503871917725},{"text":"That was all.","start":1432.635,"end":1433.535,"sentiment":"neutral","sentiment_score":0.24233655631542206},{"text":"You too.","start":1439.995,"end":1440.555,"sentiment":"positive","sentiment_score":0.5212196558713913}],"sentiment":"neutral","sentiment_score":0.30888221208006145,"num_words":10,"start":1400.95,"end":1440.555},{"sentences":[{"text":"Thank you.","start":1440.555,"end":1441.115,"sentiment":"positive","sentiment_score":0.637003093957901},{"text":"See you later.","start":1441.115,"end":1442.105,"sentiment":"positive","sentiment_score":0.4201339880625407}],"sentiment":"positive","sentiment_score":0.5068816304206848,"num_words":5,"start":1440.555,"end":1442.105}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon. Is this Steven?\n\nChannel 1: Yes.\n\nChannel 0: This is Veronica from Oakview Financial. How are you?\n\nChannel 1: Good. Thank you.\n\nChannel 0: That's good. I had you booked in. I just took over some research I did on your super investment. So is now still a good time for you?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Per perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. And just for security purposes, so that I can confirm I'm speaking with the right person, could I please get you to confirm your full name, date of birth, and address, please?\n\nChannel 1: Steven Gordon Gilbert. November 8\n\nChannel 0: Yep.\n\nChannel 1: 9970, Unit 404 Stratford Lane, Galvin,\n\nChannel 0: Perfect.\n\nChannel 1: New South\n\nChannel 0: And\n\nChannel 1: Wales\n\nChannel 0: how's your\n\nChannel 1: two\n\nChannel 0: day\n\nChannel 1: 580.\n\nChannel 0: Thank you. And how's your day been? Been busy?\n\nChannel 1: Yeah. Too busy.\n\nChannel 0: Well, I won't keep you for too long, Steven. Today is pretty straightforward.\n\nChannel 1: Yep.\n\nChannel 0: Now do you have access to your emails at the moment by any chance?\n\nChannel 1: To my email so I can have it.\n\nChannel 0: Yes. If you do, it does makes it a little bit easier when I go through it if you can access your email.\n\nChannel 1: Signature request for Veronica Glover.\n\nChannel 0: Email. Yes. That's the one. Now when you click on the link, it will then open up the strategy recommendation so that I can go through it with you before, obviously, it prompts you to sign anything just to make sure you, obviously, you are happy with the the change.\n\nChannel 1: Okay. So click on the link for the signature, sign\n\nChannel 0: Yes,\n\nChannel 1: document.\n\nChannel 0: please. Yes.\n\nChannel 1: Taking a minute.\n\nChannel 0: Yep. That's okay. And it should then open up a document where it says statement of advice.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. So every time we do make a recommendation for you, Steven, we have to put everything in the statement of the device just to make sure that you fully understand everything. Now a lot of it is just for compliance purposes, and today is pretty straightforward. So even though the document is 36 pages, I won't go through all of that with you.\n\nI'll just kind of go through the most important points, and then you can always have a read over it in your own time if you do have any questions.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now on the cover page, you can also see my details listed. So you can see my authorized representative number listed there, and I am licensed under Every time we do make a recommendation as well, we do always follow that best interest duty, which is outlined on page two. Do you remember\n\nChannel 1: Yep.\n\nChannel 0: ever hearing about that\n\nChannel 1: Yes.\n\nChannel 0: before? Yep. Okay. Perfect. Yeah.\n\nObviously, everything we do has to be in your best interest at all time, and that advice has to put you in a better position as a result of the advice. Now if you wanna scroll through for me, you will see table of content, pretty self explanatory. You then have scope of advice. Can you see that?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Perfect. So, essentially, today, all we're looking at is your superannuation, specifically your investments to see if we needed to make any tweaks and changes to any investments to make sure everything is growing, and putting you in the best position for your retirement, not making any changes otherwise to insurances or anything. It's literally just reviewing your super investments. And you kind of remember that conversation we had after the interview?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Okay. Perfect. So if you wanna scroll through to what the actual advice talks about. So as you scroll through, you'll talk you'll see a couple of pages.\n\nIt talks about about you, just some information from the fact line we did. It shows you your assets and your liabilities. It then shows you so if you wanna go to page nine, it then shows you your current due and insurances, if you can see that.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Yep. So it shows you kind of what we talked about during the annual review that you obviously have your hub 24 where you have majority of your funds, and you do have c bus as well for those insurances, which you can see your life and TPD, outlined within Cbus for you.\n\nChannel 1: Yes.\n\nChannel 0: Now if you wanna go to the next page, it talks about that risk profile. Can you see that page okay?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. So kind of referring back to again the under review where we did talk about your risk profile. So we are not making any changes when it comes to your risk profile. We are keeping you in that growth profile that you currently have, just making a couple of changes in regards to your investments.\n\nThe growth is still appropriate for you based on all of your time until retirement, what you are comfortable with, and that we are trying to grow that super as much as possible before you do retire. Any questions so far? Well, that's pretty\n\nChannel 1: Not too straightforward.\n\nChannel 0: straightforward. Yep. Perfect. Now if you want to then scroll down for me to page 16, it basically shows you the recommendation in a table to make it a little bit, nice and easy. And the pages that you did scroll past, it basically summarizes, this table, but just in words for you as well to make it easy.\n\nBut I sometimes find just kind of looking at it and talking about it here makes it a bit easier.\n\nChannel 1: Yep.\n\nChannel 0: Let me know if you can see that fee comparison table.\n\nChannel 1: Yes. I can see it. Every time I try to zoom in, do it, my phone has has a heathy pic.\n\nChannel 0: Oh, that's that's okay. It's always you can always go back and have a look at it on a computer or anything like\n\nChannel 1: Yeah.\n\nChannel 0: that\n\nChannel 1: I'm\n\nChannel 0: later.\n\nChannel 1: gonna look at\n\nChannel 0: But\n\nChannel 1: yep.\n\nChannel 0: yeah. No. That's okay. Now, essentially, essentially, what I did look at for you, I did also do some research on your hub twenty four account just to see if it's still going to be the best option for you because there's always new super funds and products and features that come out to the market. So it is good to reassess it every now and then.\n\nGet us to make sure because there's nothing obviously tying us to hub twenty four. It's just having a look at if it's still the best option for you. And after doing our research, it's still very much is a competitive option. So I have recommended that you stay in Hub 24 and you stay in the C bus, literally just changing some of the investments because hub twenty four is still very competitive when it comes to the fees and the the functions and the investment choices. So it's still very much a good option.\n\nNow in your C bus account as well, you do have 10,008 in there. And typically speaking, we do wanna leave about 10,000 just to make sure your insurances continue to remain active. So the good\n\nChannel 1: Yeah.\n\nChannel 0: thing is\n\nChannel 1: I'm\n\nChannel 0: that you're\n\nChannel 1: I'm\n\nChannel 0: basically\n\nChannel 1: gonna go to my I'm gonna go to my work this week and get them to put extra money in that per week.\n\nChannel 0: okay. And how much are you looking at putting in?\n\nChannel 1: If I put $50 a week, you know, it should be good.\n\nChannel 0: Okay.\n\nChannel 1: Pretty good.\n\nChannel 0: Perfect. Yeah. And $50 a week keeps you under those contribution caps as well, which which is great. So just for your reference, with the concessional contributions, sorry, from your employer and you making, like, salary sacrifice contributions, there is a limit\n\nChannel 1: Yep.\n\nChannel 0: each year what you can put in. And for this financial year, it's at 32,500. So you have plenty of space to do that $50 a week, which is good. So\n\nChannel 1: Yep.\n\nChannel 0: if you, for some reason, wanted to put a lot in, just give me a call just so I can run the numbers for you first.\n\nChannel 1: Okay.\n\nChannel 0: Okay? Yeah. Perfect.\n\nChannel 1: I'll\n\nChannel 0: But\n\nChannel 1: I'll\n\nChannel 0: no.\n\nChannel 1: keep it\n\nChannel 0: Otherwise\n\nChannel 1: on.\n\nChannel 0: no. That's good. But, yes, otherwise, it's all going good. Every time we do an under review, when we do catch up, we can kind of look at how much you have in Cbus. And if it is that there's more going in, because, obviously, more with more contributions, then if appropriate, we can always roll a little bit like, do a little bit of a partial rollover into Hub if it's appropriate because we wanna make sure we have the most amount of money in the super fund that's gonna give you\n\nChannel 1: Yep.\n\nChannel 0: the most amount of growth. Yes.\n\nChannel 1: If the sea\n\nChannel 0: But\n\nChannel 1: bus\n\nChannel 0: at the\n\nChannel 1: doesn't\n\nChannel 0: moment,\n\nChannel 1: actually go at all.\n\nChannel 0: doesn't grow near as much. No. The\n\nChannel 1: No.\n\nChannel 0: the\n\nChannel 1: That\n\nChannel 0: return\n\nChannel 1: that's why\n\nChannel 0: on the\n\nChannel 1: I\n\nChannel 0: investment\n\nChannel 1: moved to you guys.\n\nChannel 0: yes. The return on investment's not as good. And that's why we wanna make sure we keep as close to that 10,000 as possible because we want most in the fund that's going to grow for you.\n\nChannel 1: Yep.\n\nChannel 0: So that's good. But at the moment, because you do have $8 over 10,000, there's which is great. But the table here, you can see, has the same structure. So your current situation, which is $0.5.24 and C bus, the total fees associated with the the true super funds, and you then have the recommended, which again is similar C bus and hub 24. Now you can see here that the price difference is saving you about $797 a year, which is literally just from changing an investment, which is pretty crazy.\n\nI'm not changing anything else, but it is making it a bit cheaper for you. Obviously, making things cheaper means you have more money in super to be invested in growth for you. Does that make\n\nChannel 1: Yep.\n\nChannel 0: sense,\n\nChannel 1: Yep.\n\nChannel 0: Steven? Yep. Perfect. Now you can also see on this table that the return is also improved. So you can see your combined current situation when we are using that five year rolling average and comparing that to the recommended, it's a difference of about 4.33%, which, again, when you just do compound things, it does make a pretty big difference.\n\nChannel 1: Yes. It's a 60\n\nChannel 0: Yep.\n\nChannel 1: year old\n\nChannel 0: Yes. So in in five years,\n\nChannel 1: Bailey.\n\nChannel 0: if everything obviously kind of stays the same, then, yes, it does make a pretty big difference, and that, again, is literally very minor changes. But even though just minor changes, it still makes a big difference and is important. So\n\nChannel 1: Okay.\n\nChannel 0: the reason also we use that five year rolling average is because you never know what's going to happen. You know, in the market and in the world, you can't guarantee investment returns, but that's why we want to use five years. Because using a five year period and then averaging that out on a yearly basis gives us a little bit more certainty of what's happened in the market and the portfolio as well. Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now the good thing as well with the recommendation is that it's estimated to not result in any capital gains tax. So often when you sell investments, if they have gone up, you will have to pay capital gains tax on those investment earnings similar to, like, if you were to sell an investment property. The same\n\nChannel 1: Yeah.\n\nChannel 0: kind of concept is within superannuation. It's all within the superannuation environment, though, So it's not something that you would ever have to pay for personally or that you'd have to declare when you do your tax return or anything like that. But it is something we obviously look at when we are looking at changing investments because we want to minimize that for you. We don't want you to paying any unnecessary tax if we don't have to. So the good thing with the recommendations I have made on your investments, it is estimated to not trigger any capital gains tax at all, which\n\nChannel 1: Okay.\n\nChannel 0: is great. Yep. Any questions so far? No. Okay.\n\nBeautiful. Now you said on the table there, you can also see at the bottom, it's projected for that five and ten years, and you can see that it does make a pretty big difference, which is great. Now\n\nChannel 1: Yep.\n\nChannel 0: the next page is an also shows you performance return a bit more. It shows you twelve months, three years, five years, and ten years. And across all time frames, the recommended portfolio in Hub twenty four has outperformed all the others, which is great. Now what that actually looks like in terms of the investment change for you, Steven, is on page 18, if you can see that. It's another table.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. So the only change that we are the only investment that we are completely changing is one, and that is your the second one from the top where it says Benelon concentrated equities. Can you see that one? Yep. So, basically, this table, it might look a little bit messy, but it just shows you the changes in the investment.\n\nSo you have the investment name first. You have the kind of special little code. You have how much you have invested in each option, what that kind of correlates through from a dollar value, and then you have the buy and sell column. Now everything in red is basically what we are selling or just changing a little bit, and what's black is what we are either buying a little bit more of or just keeping the same. Does that make sense?\n\nChannel 1: Yes.\n\nChannel 0: Yep. So the only real change we are doing completely is that second one from the top where it says Ben along Australian equities. What I have recommended is that we completely sell out of that one and replace it with the one listed at the bottom where it says Australia 200. Can you see that?\n\nChannel 1: Yes.\n\nChannel 0: Yes. So this is the one I kind of mentioned during the under review that I did wanted to do a bit more research with because recently, it has under little bit, so we wanted to see if we found some better options. Now with this one here, it is invested in Australian investment, so we wanted to find something that was suitable. And if we're replacing one Australian investment, we wanted to look at a similar competitor for also Australian investment, making sure that your portfolio overall is still very diversified and gives you good amount of exposure, not having too much in one particular market. So that was the main thing.\n\nWe wanted to improve the returns a little bit and make things a little bit cheaper for you. So the good thing with the BetaShares Australia 200 is that kind of what the name says, it is investing in the 200 largest companies listed in Australia. So very diversified for you. And if something were to happen to one company, it's not going to fluctuate as much because you do have 200 in one just that one single investment. Does that kind of make sense, Steven?\n\nChannel 1: Yes.\n\nChannel 0: Yes. So that was what that one switch was. Now the other thing in red, what that is is just rebalancing your portfolio. Now, basically, what rebalancing means is that, you know, over time, the different investments can perform differently. So some does a lot better.\n\nOthers might not do as well. So what can happen over time is that your portfolio will kind of drift away from its intended asset allocation. So rebalancing basically just means buying and selling investments where appropriate to do so to kind of put everything back into alignment, back to where it it should be, to making sure that you're not taking on, you know, more risk or less risk than intended. So it's just kind of bringing everything back into alignment. But for example, you can see the second the third one from the top, at the moment, I have a 6.46 in this one.\n\nKeeping it in your portfolio, we're just aligning it back to 4%. Does that kind of make sense?\n\nChannel 1: Okay.\n\nChannel 0: Yep.\n\nChannel 1: Yes.\n\nChannel 0: So, yeah, basically, pretty straightforward just changing one investment completely, and the rest is just kind of rebalancing everything back into alignment. So pretty straightforward what we are doing with the investments for you. Now\n\nChannel 1: Okay.\n\nChannel 0: on the next couple of pages, and I'm almost at the end there for you, Steven, it shows you your risk profile. So that is page 20 if you can see that. And it's like another little table, and there's like a pie chart in it?\n\nChannel 1: So page 20,\n\nChannel 0: Yes.\n\nChannel 1: proposed asset allocation.\n\nChannel 0: Yes. Correct. So what this table shows you is then how much we have in your growth and your defensive. So if you look at the second column, it says risk profile, and it shows you that roughly we're aiming for about 80% in those growth investments, 20% in defensive. You then have your existing portfolio next to it, which shows that at the moment, you are invested in growth at about 84.51 with about 14.79 in defensive.\n\nAnd then the recommended is eighty four sixteen and fifteen eighty four in defensive. So both very closely aligned, which shows you that by making that one investment change and rebalancing your portfolio, you're not taking on any additional risks, which is good.\n\nChannel 1: Okay.\n\nChannel 0: Yep. Now what I have also just included is just obviously keeping your c\n\nChannel 1: Yes.\n\nChannel 0: bus insurances. We wanna make sure you have that life and TPD if something were to happen, but not making any changes in regards to that. Leaving that all the same, which is good. And then what I've also included is just some general information in regards to setting up a will and making a nomination for power of attorney. It is something I always recommend everyone to consider.\n\nSo I have included that for you so you can have a read over that in your own time as well. It talks about, you know, advantages some disadvantages and risks in regards to setting up a will, what to be mindful of, and same for power over tech. That all make sense?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Perfect. Now the last thing is just in regards to the fee structure. So like I mentioned during the annual review, Steven, there's no changes whatsoever in regards to the fee structure. That stays exactly the same at that 1.65 from Super, so no additional fees or charges at all.\n\nSo, essentially, from here is if you wanted to take some time to have a read over the document in your own time, you are more than welcome to do so. If you do have a read through it or if you are happy to go ahead with a couple of changes to move forward, it would then be to sign the documents that you are in at the moment digitally, the same as you did during the under review, and then it will automatically send it back to me. And that tells me that you are happy to go ahead with that little investment change for you, and I will let the team know to go ahead and do that.\n\nChannel 1: Okay. I'll I'll just sign\n\nChannel 0: K.\n\nChannel 1: it.\n\nChannel 0: Okay. Perfect. Like I said, it's pretty straightforward. It's just literally changing that one investment and rebalance your portfolio, which does make make it a bit cheaper and improve that returns for you. If later as well when you do have access to a computer, you wanted to go back and have a read over to look at the numbers if it's a bit funky on the phone, it's all there for you as well where you can have a look at it.\n\nChannel 1: Okay.\n\nChannel 0: So let me know how you go with with it. If you have any issues, I can stay on the phone if you would like just to make sure it all gets done.\n\nChannel 1: So I know.\n\nChannel 0: Yep. It should just be the one signature in this document. And it should just ask you to draw a little signature, and it often adds the date automatically.\n\nChannel 1: Yep. I already done the signature on that one.\n\nChannel 0: Okay. Perfect. And does it say in the corner validate? Can you see a button where it says validate?\n\nChannel 1: Nope. No?\n\nChannel 0: Start?\n\nChannel 1: It it said next document. I went to the financial services, sir.\n\nChannel 0: Okay. And is there a signature there? There shouldn't be.\n\nChannel 1: Nope. Next document.\n\nChannel 0: No. Yes.\n\nChannel 1: Validate.\n\nChannel 0: Oh, beautiful. Yeah. So the financial services guide is the same one we had during the annual review for you. Just another copy if you wanted to have a read over it. And then, yes, when you press validate, it will then send it all back to me, and I will get that all uploaded and sorted for you and go ahead and make those little investment changes.\n\nNow let me see if I can just refresh to make sure that's all done. Do you have much planned for the rest of the day?\n\nChannel 1: I'm gonna go and clean up. Still haven't\n\nChannel 0: Oh,\n\nChannel 1: had\n\nChannel 0: yeah.\n\nChannel 1: a shower for\n\nChannel 0: Fun.\n\nChannel 1: work yet.\n\nChannel 0: Yeah. Oh, yeah. Well, let me see. Does it say this is loading on your end at all, Steven? Or what is what can you see?\n\nLoading.\n\nChannel 1: Loading.\n\nChannel 0: Yeah. Sometimes\n\nChannel 1: I mean, I mean, Goldman\n\nChannel 0: it\n\nChannel 1: has to catch up\n\nChannel 0: takes\n\nChannel 1: with the rest of the world.\n\nChannel 0: a minute. Yeah. Oh, sometimes I swear to technology is great when it works, but then when it takes a minute, it can be a bit\n\nChannel 1: That's that's the trouble other people assume, and it just works straight away, but it doesn't.\n\nChannel 0: frustrating. Yeah. No. It comes on take a minute. But I can actually see just now that came through on my end, which is great.\n\nSo it didn't\n\nChannel 1: Yep.\n\nChannel 0: take too too long. Now like I said, Steven, the document is always there for you to have a read. So if you ever wanna go back when you have a bit more time or you wanna look at it, you just click back into that link. It's all there for you. If you have any issues, sorry, you can always just give me a call, and, we can always email you a copy as well.\n\nChannel 1: Okay then.\n\nChannel 0: Yeah. Beautiful. But that was essentially everything that I needed to go over with you today. Do you have any questions for me before I let you go and get on with your afternoon?\n\nChannel 1: Thank you. That was all.\n\nChannel 0: No? Okay. Beautiful. Well, thank you so much for your time this afternoon, Steven, and I hope you enjoy the rest of your day.\n\nChannel 1: You too. Thank you.\n\nChannel 0: Mhmm.\n\nChannel 1: See you later.\n\nChannel 0: Beautiful. Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":5.2799997,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.03263780474662781}],"sentiment":"neutral","sentiment_score":0.03263780474662781,"channel":1,"num_words":1,"start":5.2799997,"end":5.7799997},{"sentences":[{"text":"Good afternoon.","start":6.48,"end":7.2,"sentiment":"neutral","sentiment_score":0.2221759781241417},{"text":"Is this Steven?","start":7.2,"end":8.02,"sentiment":"neutral","sentiment_score":0.1140997384985288}],"sentiment":"neutral","sentiment_score":0.15733023434877397,"channel":0,"num_words":5,"start":6.48,"end":8.02},{"sentences":[{"text":"Yes.","start":8.48,"end":8.98,"sentiment":"neutral","sentiment_score":0.12706318497657776}],"sentiment":"neutral","sentiment_score":0.12706318497657776,"channel":1,"num_words":1,"start":8.48,"end":8.98},{"sentences":[{"text":"This is Veronica from Oakview Financial.","start":9.44,"end":11.54,"sentiment":"neutral","sentiment_score":0.1557666485508283},{"text":"How are you?","start":11.679999,"end":12.5,"sentiment":"neutral","sentiment_score":0.15971106787522635}],"sentiment":"neutral","sentiment_score":0.1570814549922943,"channel":0,"num_words":9,"start":9.44,"end":12.5},{"sentences":[{"text":"Good.","start":12.719999,"end":12.96,"sentiment":"positive","sentiment_score":0.5556204915046692},{"text":"Thank you.","start":12.96,"end":13.78,"sentiment":"positive","sentiment_score":0.6952926814556122}],"sentiment":"positive","sentiment_score":0.6487352848052979,"channel":1,"num_words":3,"start":12.719999,"end":13.78},{"sentences":[{"text":"That's good.","start":14.32,"end":15.219999,"sentiment":"positive","sentiment_score":0.7327390611171722},{"text":"I had you booked in.","start":15.705,"end":16.985,"sentiment":"positive","sentiment_score":0.48897008299827577},{"text":"I just took over some research I did on your super investment.","start":16.985,"end":20.045,"sentiment":"positive","sentiment_score":0.4566437105337779},{"text":"So is now still a good time for you?","start":20.105,"end":21.805,"sentiment":"positive","sentiment_score":0.40410934554206}],"sentiment":"positive","sentiment_score":0.46525132762534277,"channel":0,"num_words":28,"start":14.32,"end":21.805},{"sentences":[{"text":"Yes.","start":22.085,"end":22.585,"sentiment":"neutral","sentiment_score":0.15016400814056396}],"sentiment":"neutral","sentiment_score":0.15016400814056396,"channel":1,"num_words":1,"start":22.085,"end":22.585},{"sentences":[{"text":"Yeah.","start":23.225,"end":23.625,"sentiment":"neutral","sentiment_score":0.19173917174339297},{"text":"Per perfect.","start":23.625,"end":25.005001,"sentiment":"positive","sentiment_score":0.3618735074996948},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":25.305,"end":32.25,"sentiment":"neutral","sentiment_score":0.05675385314328917}],"sentiment":"neutral","sentiment_score":0.08004212274681777,"channel":0,"num_words":32,"start":23.225,"end":32.25},{"sentences":[{"text":"Yep.","start":33.27,"end":33.77,"sentiment":"neutral","sentiment_score":0.08491393178701401}],"sentiment":"neutral","sentiment_score":0.08491393178701401,"channel":1,"num_words":1,"start":33.27,"end":33.77},{"sentences":[{"text":"Yep.","start":34.23,"end":34.55,"sentiment":"neutral","sentiment_score":0.1233142912387848},{"text":"Perfect.","start":34.55,"end":35.05,"sentiment":"neutral","sentiment_score":0.3013715147972107},{"text":"And just for security purposes, so that I can confirm I'm speaking with the right person, could I please get you to confirm your full name, date of birth, and address, please?","start":35.27,"end":44.185,"sentiment":"neutral","sentiment_score":0.0970647216308862}],"sentiment":"neutral","sentiment_score":0.1038457911242457,"channel":0,"num_words":34,"start":34.23,"end":44.185},{"sentences":[{"text":"Steven Gordon Gilbert.","start":44.845,"end":46.145,"sentiment":"neutral","sentiment_score":0.012079242616891861},{"text":"November 8","start":46.364998,"end":47.105003,"sentiment":"neutral","sentiment_score":0.00911243911832571}],"sentiment":"neutral","sentiment_score":0.0108925212174654,"channel":1,"num_words":5,"start":44.845,"end":47.105003},{"sentences":[{"text":"Yep.","start":46.965,"end":47.465,"sentiment":"neutral","sentiment_score":0.015146147459745409}],"sentiment":"neutral","sentiment_score":0.015146147459745409,"channel":0,"num_words":1,"start":46.965,"end":47.465},{"sentences":[{"text":"9970, Unit 404 Stratford Lane, Galvin,","start":47.165,"end":50.545,"sentiment":"neutral","sentiment_score":0.02711786205569903}],"sentiment":"neutral","sentiment_score":0.02711786205569903,"channel":1,"num_words":6,"start":47.165,"end":50.545},{"sentences":[{"text":"Perfect.","start":51.365,"end":51.845,"sentiment":"neutral","sentiment_score":0.10198965668678284}],"sentiment":"neutral","sentiment_score":0.10198965668678284,"channel":0,"num_words":1,"start":51.365,"end":51.845},{"sentences":[{"text":"New South","start":51.645,"end":51.965,"sentiment":"neutral","sentiment_score":0.04103673994541168}],"sentiment":"neutral","sentiment_score":0.04103673994541168,"channel":1,"num_words":2,"start":51.645,"end":51.965},{"sentences":[{"text":"And","start":51.845,"end":52.085,"sentiment":"neutral","sentiment_score":0.04169035330414772}],"sentiment":"neutral","sentiment_score":0.04169035330414772,"channel":0,"num_words":1,"start":51.845,"end":52.085},{"sentences":[{"text":"Wales","start":51.965,"end":52.364998,"sentiment":"neutral","sentiment_score":0.046848878264427185}],"sentiment":"neutral","sentiment_score":0.046848878264427185,"channel":1,"num_words":1,"start":51.965,"end":52.364998},{"sentences":[{"text":"how's your","start":52.085,"end":52.485,"sentiment":"neutral","sentiment_score":0.05049050599336624}],"sentiment":"neutral","sentiment_score":0.05049050599336624,"channel":0,"num_words":2,"start":52.085,"end":52.485},{"sentences":[{"text":"two","start":52.364998,"end":52.525,"sentiment":"neutral","sentiment_score":0.056018490344285965}],"sentiment":"neutral","sentiment_score":0.056018490344285965,"channel":1,"num_words":1,"start":52.364998,"end":52.525},{"sentences":[{"text":"day","start":52.485,"end":52.985,"sentiment":"neutral","sentiment_score":0.04554277658462525}],"sentiment":"neutral","sentiment_score":0.04554277658462525,"channel":0,"num_words":1,"start":52.485,"end":52.985},{"sentences":[{"text":"580.","start":52.525,"end":53.504997,"sentiment":"neutral","sentiment_score":0.06759067624807358}],"sentiment":"neutral","sentiment_score":0.06759067624807358,"channel":1,"num_words":1,"start":52.525,"end":53.504997},{"sentences":[{"text":"Thank you.","start":54.579998,"end":54.899998,"sentiment":"neutral","sentiment_score":0.24373678863048553},{"text":"And how's your day been?","start":54.899998,"end":56.1,"sentiment":"neutral","sentiment_score":0.07091758623719216},{"text":"Been busy?","start":56.1,"end":56.76,"sentiment":"neutral","sentiment_score":-0.05286644957959652}],"sentiment":"neutral","sentiment_score":0.08181428992085987,"channel":0,"num_words":9,"start":54.579998,"end":56.76},{"sentences":[{"text":"Yeah.","start":57.725,"end":58.045,"sentiment":"neutral","sentiment_score":-0.04102727770805359},{"text":"Too busy.","start":58.045,"end":58.704998,"sentiment":"neutral","sentiment_score":-0.08687712252140045}],"sentiment":"neutral","sentiment_score":-0.07159384091695149,"channel":1,"num_words":3,"start":57.725,"end":58.704998},{"sentences":[{"text":"Well, I won't keep you for too long, Steven.","start":59.78,"end":61.859997,"sentiment":"neutral","sentiment_score":-0.07934607110089725},{"text":"Today is pretty straightforward.","start":61.859997,"end":63.239998,"sentiment":"neutral","sentiment_score":0.24815627187490463}],"sentiment":"neutral","sentiment_score":0.021423880583964862,"channel":0,"num_words":13,"start":59.78,"end":63.239998},{"sentences":[{"text":"Yep.","start":64.14,"end":64.64,"sentiment":"neutral","sentiment_score":0.0746694952249527}],"sentiment":"neutral","sentiment_score":0.0746694952249527,"channel":1,"num_words":1,"start":64.14,"end":64.64},{"sentences":[{"text":"Now do you have access to your emails at the moment by any chance?","start":65.06,"end":68.355,"sentiment":"neutral","sentiment_score":0.03271954519940274}],"sentiment":"neutral","sentiment_score":0.03271954519940274,"channel":0,"num_words":14,"start":65.06,"end":68.355},{"sentences":[{"text":"To my email so I can have it.","start":69.42,"end":71.28,"sentiment":"neutral","sentiment_score":0.02660756348632276}],"sentiment":"neutral","sentiment_score":0.02660756348632276,"channel":1,"num_words":8,"start":69.42,"end":71.28},{"sentences":[{"text":"Yes.","start":70.995,"end":71.495,"sentiment":"neutral","sentiment_score":0.11304931342601776},{"text":"If you do, it does makes it a little bit easier when I go through it if you can access your email.","start":74.435005,"end":80.73,"sentiment":"neutral","sentiment_score":0.1342257269742814}],"sentiment":"neutral","sentiment_score":0.13330501334174819,"channel":0,"num_words":23,"start":70.995,"end":80.73},{"sentences":[{"text":"Signature request for Veronica Glover.","start":86.075,"end":88.575,"sentiment":"neutral","sentiment_score":0.03430805057287216}],"sentiment":"neutral","sentiment_score":0.03430805057287216,"channel":1,"num_words":5,"start":86.075,"end":88.575},{"sentences":[{"text":"Email.","start":88.810005,"end":89.21001,"sentiment":"neutral","sentiment_score":0.03422345221042633},{"text":"Yes.","start":89.21001,"end":89.61,"sentiment":"neutral","sentiment_score":0.10252711176872252},{"text":"That's the one.","start":89.61,"end":90.590004,"sentiment":"neutral","sentiment_score":0.12946276366710663},{"text":"Now when you click on the link, it will then open up the strategy recommendation so that I can go through it with you before, obviously, it prompts you to sign anything just to make sure you, obviously, you are happy with the the change.","start":91.61,"end":105.045,"sentiment":"neutral","sentiment_score":0.14561403724882338}],"sentiment":"neutral","sentiment_score":0.14155541062355043,"channel":0,"num_words":50,"start":88.810005,"end":105.045},{"sentences":[{"text":"Okay.","start":105.535,"end":105.935,"sentiment":"neutral","sentiment_score":0.04944581910967827},{"text":"So click on the link for the signature, sign","start":105.935,"end":108.895004,"sentiment":"neutral","sentiment_score":0.03710660090049108}],"sentiment":"neutral","sentiment_score":0.038340522721409795,"channel":1,"num_words":10,"start":105.535,"end":108.895004},{"sentences":[{"text":"Yes,","start":108.785,"end":109.105,"sentiment":"neutral","sentiment_score":0.03673771023750305}],"sentiment":"neutral","sentiment_score":0.03673771023750305,"channel":0,"num_words":1,"start":108.785,"end":109.105},{"sentences":[{"text":"document.","start":108.895004,"end":109.395004,"sentiment":"neutral","sentiment_score":0.037985511124134064}],"sentiment":"neutral","sentiment_score":0.037985511124134064,"channel":1,"num_words":1,"start":108.895004,"end":109.395004},{"sentences":[{"text":"please.","start":109.105,"end":109.38,"sentiment":"neutral","sentiment_score":0.040836554020643234},{"text":"Yes.","start":110.1,"end":110.6,"sentiment":"neutral","sentiment_score":0.05768079310655594}],"sentiment":"neutral","sentiment_score":0.049258673563599586,"channel":0,"num_words":2,"start":109.105,"end":110.6},{"sentences":[{"text":"Taking a minute.","start":116.975,"end":117.875,"sentiment":"neutral","sentiment_score":0.0507586436967055}],"sentiment":"neutral","sentiment_score":0.0507586436967055,"channel":1,"num_words":3,"start":116.975,"end":117.875},{"sentences":[{"text":"Yep.","start":118.5,"end":118.899994,"sentiment":"neutral","sentiment_score":0.07435733079910278},{"text":"That's okay.","start":118.899994,"end":119.72,"sentiment":"neutral","sentiment_score":0.11309974268078804},{"text":"And it should then open up a document where it says statement of advice.","start":119.78,"end":124.28,"sentiment":"neutral","sentiment_score":0.09424783981272153}],"sentiment":"neutral","sentiment_score":0.09529568079639883,"channel":0,"num_words":17,"start":118.5,"end":124.28},{"sentences":[{"text":"Yep.","start":133.375,"end":133.875,"sentiment":"neutral","sentiment_score":0.08304703235626221}],"sentiment":"neutral","sentiment_score":0.08304703235626221,"channel":1,"num_words":1,"start":133.375,"end":133.875},{"sentences":[{"text":"Yep.","start":134.33499,"end":134.735,"sentiment":"neutral","sentiment_score":0.14202097058296204},{"text":"Perfect.","start":134.735,"end":135.235,"sentiment":"positive","sentiment_score":0.3344753086566925},{"text":"So every time we do make a recommendation for you, Steven, we have to put everything in the statement of the device just to make sure that you fully understand everything.","start":136.735,"end":145.91,"sentiment":"neutral","sentiment_score":0.198152213087005},{"text":"Now a lot of it is just for compliance purposes, and today is pretty straightforward.","start":146.93001,"end":151.235,"sentiment":"neutral","sentiment_score":0.31718104183673856},{"text":"So even though the document is 36 pages, I won't go through all of that with you.","start":151.535,"end":156.035,"sentiment":"neutral","sentiment_score":-0.07804460325004424}],"sentiment":"neutral","sentiment_score":0.15461803472672517,"channel":0,"num_words":65,"start":134.33499,"end":156.035},{"sentences":[{"text":"I'll just kind of go through the most important points, and then you can always have a read over it in your own time if you do have any 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two.","start":169.39,"end":186.785,"sentiment":"neutral","sentiment_score":0.1655487406410669},{"text":"Do you remember","start":187.005,"end":187.645,"sentiment":"neutral","sentiment_score":0.025345157211025555}],"sentiment":"neutral","sentiment_score":0.1751554178211976,"channel":0,"num_words":54,"start":164.91,"end":187.645},{"sentences":[{"text":"Yep.","start":187.5,"end":188.0,"sentiment":"neutral","sentiment_score":0.0236796997487545}],"sentiment":"neutral","sentiment_score":0.0236796997487545,"channel":1,"num_words":1,"start":187.5,"end":188.0},{"sentences":[{"text":"ever hearing about 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everything we do has to be in your best interest at all time, and that advice has to put you in a better position as a result of the advice.","start":192.40001,"end":200.26001,"sentiment":"neutral","sentiment_score":0.31899257148465804},{"text":"Now if you wanna scroll through for me, you will see table of content, pretty self explanatory.","start":201.20001,"end":207.375,"sentiment":"neutral","sentiment_score":0.13502399930182626},{"text":"You then have scope of advice.","start":207.995,"end":210.095,"sentiment":"neutral","sentiment_score":0.11716979493697484},{"text":"Can you see that?","start":210.715,"end":211.77501,"sentiment":"neutral","sentiment_score":0.07351136952638626}],"sentiment":"neutral","sentiment_score":0.22726279227384205,"channel":0,"num_words":58,"start":192.40001,"end":211.77501},{"sentences":[{"text":"Yep.","start":211.29,"end":211.79,"sentiment":"neutral","sentiment_score":0.08227039873600006},{"text":"Yep.","start":211.93,"end":212.43,"sentiment":"neutral","sentiment_score":0.09508815407752992}],"sentiment":"neutral","sentiment_score":0.08867927640676498,"channel":1,"num_words":2,"start":211.29,"end":212.43},{"sentences":[{"text":"Yep.","start":212.235,"end":212.63501,"sentiment":"neutral","sentiment_score":0.1867302656173706},{"text":"Perfect.","start":212.63501,"end":213.13501,"sentiment":"positive","sentiment_score":0.451755553483963},{"text":"So, essentially, today, all we're looking at is your superannuation, specifically your investments to see if we needed to make any tweaks and changes to any investments to make sure everything is growing, and putting you in the best position for your retirement, not making any changes otherwise to insurances or anything.","start":213.995,"end":232.66501,"sentiment":"neutral","sentiment_score":0.23105909001941866},{"text":"It's literally just reviewing your super investments.","start":232.66501,"end":235.145,"sentiment":"neutral","sentiment_score":0.14365760449852263},{"text":"And you kind of remember that conversation we had after the 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you'll talk you'll see a couple of pages.","start":249.16,"end":252.36,"sentiment":"neutral","sentiment_score":0.11055498627515939}],"sentiment":"neutral","sentiment_score":0.13093601372735253,"channel":0,"num_words":29,"start":241.38501,"end":252.36},{"sentences":[{"text":"It talks about about you, just some information from the fact line we did.","start":252.36,"end":256.06,"sentiment":"neutral","sentiment_score":0.12242814525961876},{"text":"It shows you your assets and your liabilities.","start":256.28,"end":258.29,"sentiment":"neutral","sentiment_score":0.10518402233719826},{"text":"It then shows you so if you wanna go to page nine, it then shows you your current due and insurances, if you can see 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options.","start":882.245,"end":893.13,"sentiment":"neutral","sentiment_score":0.06487798486791906},{"text":"Now with this one here, it is invested in Australian investment, so we wanted to find something that was suitable.","start":893.75,"end":900.81,"sentiment":"neutral","sentiment_score":0.1467958316206932},{"text":"And if we're replacing one Australian investment, we wanted to look at a similar competitor for also Australian investment, making sure that your portfolio overall is still very diversified and gives you good amount of exposure, not having too much in one particular market.","start":901.47504,"end":917.79,"sentiment":"neutral","sentiment_score":0.1776012840088118},{"text":"So that was the main thing.","start":918.57,"end":920.11,"sentiment":"neutral","sentiment_score":0.21355810264746347}],"sentiment":"neutral","sentiment_score":0.13146808262156173,"channel":0,"num_words":113,"start":881.685,"end":920.11},{"sentences":[{"text":"We wanted to improve the returns a little 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Steven?","start":947.64996,"end":949.43,"sentiment":"neutral","sentiment_score":0.18886383729321615}],"sentiment":"positive","sentiment_score":0.36599984435841093,"channel":0,"num_words":86,"start":920.49,"end":949.43},{"sentences":[{"text":"Yes.","start":950.55,"end":951.05,"sentiment":"neutral","sentiment_score":0.1380438357591629}],"sentiment":"neutral","sentiment_score":0.1380438357591629,"channel":1,"num_words":1,"start":950.55,"end":951.05},{"sentences":[{"text":"Yes.","start":951.41,"end":951.91,"sentiment":"neutral","sentiment_score":0.14895014464855194},{"text":"So that was what that one switch was.","start":952.05,"end":954.69,"sentiment":"neutral","sentiment_score":0.1543127279728651},{"text":"Now the other thing in red, what that is is just rebalancing your portfolio.","start":954.69,"end":960.755,"sentiment":"neutral","sentiment_score":0.09468719070511204},{"text":"Now, basically, what rebalancing means is that, you know, over time, the different investments can perform differently.","start":961.455,"end":968.735,"sentiment":"neutral","sentiment_score":0.10122868506347432},{"text":"So some does a lot better.","start":968.735,"end":970.515,"sentiment":"neutral","sentiment_score":0.08695225541790326}],"sentiment":"neutral","sentiment_score":0.10764508297585923,"channel":0,"num_words":46,"start":951.41,"end":970.515},{"sentences":[{"text":"Others might not do as well.","start":970.8,"end":972.66,"sentiment":"neutral","sentiment_score":-0.2598727469642957},{"text":"So what can happen over time is that your portfolio will kind of drift away from its intended asset allocation.","start":973.04,"end":981.06,"sentiment":"neutral","sentiment_score":-0.27089101299643514},{"text":"So rebalancing basically just means buying and selling investments where appropriate to do so to kind of put everything back into alignment, back to where it it should be, to making sure that you're not taking on, you know, more risk or less risk than intended.","start":981.92,"end":997.615,"sentiment":"neutral","sentiment_score":0.05270645362527474},{"text":"So it's just kind of bringing everything back into alignment.","start":997.615,"end":1001.01,"sentiment":"neutral","sentiment_score":0.1653619721531868},{"text":"But for example, you can see the second the third one from the top, at the moment, I have a 6.46 in this one.","start":1001.07,"end":1009.17004,"sentiment":"neutral","sentiment_score":0.1346290468548735}],"sentiment":"neutral","sentiment_score":0.0031335563311037026,"channel":0,"num_words":106,"start":970.8,"end":1009.17004},{"sentences":[{"text":"Keeping it in your portfolio, we're just aligning it back to 4%.","start":1009.31,"end":1013.80505,"sentiment":"neutral","sentiment_score":0.13547221074501672},{"text":"Does that kind of make sense?","start":1013.86505,"end":1015.24506,"sentiment":"neutral","sentiment_score":0.10323758671681087}],"sentiment":"neutral","sentiment_score":0.1247273360689481,"channel":0,"num_words":18,"start":1009.31,"end":1015.24506},{"sentences":[{"text":"Okay.","start":1016.195,"end":1016.695,"sentiment":"neutral","sentiment_score":0.19109828770160675}],"sentiment":"neutral","sentiment_score":0.19109828770160675,"channel":1,"num_words":1,"start":1016.195,"end":1016.695},{"sentences":[{"text":"Yep.","start":1017.625,"end":1018.125,"sentiment":"neutral","sentiment_score":0.266226589679718}],"sentiment":"neutral","sentiment_score":0.266226589679718,"channel":0,"num_words":1,"start":1017.625,"end":1018.125},{"sentences":[{"text":"Yes.","start":1017.795,"end":1018.295,"sentiment":"positive","sentiment_score":0.3430032432079315}],"sentiment":"positive","sentiment_score":0.3430032432079315,"channel":1,"num_words":1,"start":1017.795,"end":1018.295},{"sentences":[{"text":"So, yeah, basically, pretty straightforward just changing one investment completely, and the rest is just kind of rebalancing everything back into alignment.","start":1018.905,"end":1026.765,"sentiment":"positive","sentiment_score":0.4416804611682892},{"text":"So pretty straightforward what we are doing with the investments for you.","start":1027.38,"end":1032.28,"sentiment":"positive","sentiment_score":0.3953452756007512},{"text":"Now","start":1033.86,"end":1034.34,"sentiment":"neutral","sentiment_score":0.14439843595027924}],"sentiment":"positive","sentiment_score":0.4173003396817616,"channel":0,"num_words":35,"start":1018.905,"end":1034.34},{"sentences":[{"text":"Okay.","start":1034.135,"end":1034.635,"sentiment":"neutral","sentiment_score":0.1303168535232544}],"sentiment":"neutral","sentiment_score":0.1303168535232544,"channel":1,"num_words":1,"start":1034.135,"end":1034.635},{"sentences":[{"text":"on the next couple of pages, and I'm almost at the end there for you, Steven, it shows you your risk profile.","start":1034.34,"end":1041.815,"sentiment":"neutral","sentiment_score":0.08228128775954247},{"text":"So that is page 20 if you can see that.","start":1041.815,"end":1044.5549,"sentiment":"neutral","sentiment_score":0.06431672349572182},{"text":"And it's like another little table, and there's like a pie chart in it?","start":1050.215,"end":1054.01,"sentiment":"neutral","sentiment_score":0.044974008442035744}],"sentiment":"neutral","sentiment_score":0.0670215583446881,"channel":0,"num_words":46,"start":1034.34,"end":1054.01},{"sentences":[{"text":"So page 20,","start":1055.35,"end":1057.37,"sentiment":"neutral","sentiment_score":0.0210003312677145}],"sentiment":"neutral","sentiment_score":0.0210003312677145,"channel":1,"num_words":3,"start":1055.35,"end":1057.37},{"sentences":[{"text":"Yes.","start":1058.39,"end":1058.89,"sentiment":"neutral","sentiment_score":0.03478271886706352}],"sentiment":"neutral","sentiment_score":0.03478271886706352,"channel":0,"num_words":1,"start":1058.39,"end":1058.89},{"sentences":[{"text":"proposed asset allocation.","start":1059.11,"end":1060.65,"sentiment":"neutral","sentiment_score":0.02630752883851528}],"sentiment":"neutral","sentiment_score":0.02630752883851528,"channel":1,"num_words":3,"start":1059.11,"end":1060.65},{"sentences":[{"text":"Yes.","start":1061.5901,"end":1062.0901,"sentiment":"neutral","sentiment_score":0.08651158213615417},{"text":"Correct.","start":1062.23,"end":1062.73,"sentiment":"neutral","sentiment_score":0.14379368722438812},{"text":"So what this table shows you is then how much we have in your growth and your defensive.","start":1063.1901,"end":1068.855,"sentiment":"neutral","sentiment_score":0.18562335438198513},{"text":"So if you look at the second column, it says risk profile, and it shows you that roughly we're aiming for about 80% in those growth investments, 20% in defensive.","start":1068.855,"end":1081.7101,"sentiment":"neutral","sentiment_score":0.1870220067600409},{"text":"You then have your existing portfolio next to it, which shows that at the moment, you are invested in growth at about 84.51 with about 14.79 in defensive.","start":1082.65,"end":1096.115,"sentiment":"neutral","sentiment_score":0.19245732123298304}],"sentiment":"neutral","sentiment_score":0.1868075749430901,"channel":0,"num_words":78,"start":1061.5901,"end":1096.115},{"sentences":[{"text":"And then the recommended is eighty four sixteen and fifteen eighty four in defensive.","start":1097.375,"end":1102.595,"sentiment":"neutral","sentiment_score":0.17295197823217937},{"text":"So both very closely aligned, which shows you that by making that one investment change and rebalancing your portfolio, you're not taking on any additional risks, which is good.","start":1102.6549,"end":1112.77,"sentiment":"positive","sentiment_score":0.35031358024169656}],"sentiment":"neutral","sentiment_score":0.29256794237813283,"channel":0,"num_words":43,"start":1097.375,"end":1112.77},{"sentences":[{"text":"Okay.","start":1114.78,"end":1115.28,"sentiment":"neutral","sentiment_score":0.2403726875782013}],"sentiment":"neutral","sentiment_score":0.2403726875782013,"channel":1,"num_words":1,"start":1114.78,"end":1115.28},{"sentences":[{"text":"Yep.","start":1115.87,"end":1116.37,"sentiment":"neutral","sentiment_score":0.25115761160850525},{"text":"Now what I have also just included is just obviously keeping your 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included is just some general information in regards to setting up a will and making a nomination for power of attorney.","start":1132.18,"end":1142.4401,"sentiment":"neutral","sentiment_score":0.16083558104359186},{"text":"It is something I always recommend everyone to consider.","start":1143.3,"end":1146.12,"sentiment":"positive","sentiment_score":0.44635940922631157}],"sentiment":"neutral","sentiment_score":0.24781753381957178,"channel":0,"num_words":69,"start":1120.545,"end":1146.12},{"sentences":[{"text":"So I have included that for you so you can have a read over that in your own time as well.","start":1146.485,"end":1151.225,"sentiment":"positive","sentiment_score":0.351186664331527},{"text":"It talks about, you know, advantages some disadvantages and risks in regards to setting up a will, what to be mindful of, and same for power over tech.","start":1151.365,"end":1162.4801,"sentiment":"neutral","sentiment_score":0.1581121309261237},{"text":"That all make sense?","start":1162.4801,"end":1163.62,"sentiment":"neutral","sentiment_score":0.1871141418814659}],"sentiment":"neutral","sentiment_score":0.23680219215885648,"channel":0,"num_words":53,"start":1146.485,"end":1163.62},{"sentences":[{"text":"Yes.","start":1164.02,"end":1164.52,"sentiment":"neutral","sentiment_score":0.20100319385528564}],"sentiment":"neutral","sentiment_score":0.20100319385528564,"channel":1,"num_words":1,"start":1164.02,"end":1164.52},{"sentences":[{"text":"Yeah.","start":1165.04,"end":1165.4401,"sentiment":"positive","sentiment_score":0.37550145387649536},{"text":"Perfect.","start":1165.4401,"end":1165.9401,"sentiment":"positive","sentiment_score":0.630641520023346},{"text":"Now the last thing is just in regards to the fee structure.","start":1166.0,"end":1169.04,"sentiment":"neutral","sentiment_score":0.1905874845882257},{"text":"So like I mentioned during the annual review, Steven, there's no changes whatsoever in regards to the fee structure.","start":1169.04,"end":1175.4349,"sentiment":"neutral","sentiment_score":0.25203285013374527},{"text":"That stays exactly the same at that 1.65 from Super, so no additional fees or charges at all.","start":1175.495,"end":1182.955,"sentiment":"positive","sentiment_score":0.36740636163287693}],"sentiment":"neutral","sentiment_score":0.28813983237042146,"channel":0,"num_words":51,"start":1165.04,"end":1182.955},{"sentences":[{"text":"So, essentially, from here is if you wanted to take some time to have a read over the document in your own time, you are more than welcome to do so.","start":1183.6549,"end":1193.13,"sentiment":"positive","sentiment_score":0.35755532691555636},{"text":"If you do have a read through it or if you are happy to go ahead with a couple of changes to move forward, it would then be to sign the documents that you are in at the moment digitally, the same as you did during the under review, and then it will automatically send it back to me.","start":1193.6699,"end":1212.005,"sentiment":"positive","sentiment_score":0.37304909325252145},{"text":"And that tells me that you are happy to go ahead with that little investment change for you, and I will let the team know to go ahead and do that.","start":1212.23,"end":1219.4501,"sentiment":"positive","sentiment_score":0.6671310663223267}],"sentiment":"positive","sentiment_score":0.44442293134110034,"channel":0,"num_words":121,"start":1183.6549,"end":1219.4501},{"sentences":[{"text":"Okay.","start":1220.4501,"end":1220.93,"sentiment":"neutral","sentiment_score":0.20700374245643616},{"text":"I'll I'll just sign","start":1220.93,"end":1221.97,"sentiment":"neutral","sentiment_score":0.12996608018875122}],"sentiment":"neutral","sentiment_score":0.1453736126422882,"channel":1,"num_words":5,"start":1220.4501,"end":1221.97},{"sentences":[{"text":"K.","start":1221.91,"end":1222.41,"sentiment":"neutral","sentiment_score":0.10284806787967682}],"sentiment":"neutral","sentiment_score":0.10284806787967682,"channel":0,"num_words":1,"start":1221.91,"end":1222.41},{"sentences":[{"text":"it.","start":1221.97,"end":1222.47,"sentiment":"neutral","sentiment_score":0.10511191189289092}],"sentiment":"neutral","sentiment_score":0.10511191189289092,"channel":1,"num_words":1,"start":1221.97,"end":1222.47},{"sentences":[{"text":"Okay.","start":1222.87,"end":1223.27,"sentiment":"neutral","sentiment_score":0.28618308901786804},{"text":"Perfect.","start":1223.27,"end":1223.77,"sentiment":"positive","sentiment_score":0.5670472383499146},{"text":"Like I said, it's pretty straightforward.","start":1225.35,"end":1226.7101,"sentiment":"positive","sentiment_score":0.5369574924310049},{"text":"It's just literally changing that one investment and rebalance your portfolio, which does make make it a bit cheaper and improve that returns for you.","start":1226.7101,"end":1235.665,"sentiment":"positive","sentiment_score":0.6014939379692078},{"text":"If later as well when you do have access to a computer, you wanted to go back and have a read over to look at the numbers if it's a bit funky on the phone, it's all there for you as well where you can have a look at it.","start":1236.365,"end":1248.9901,"sentiment":"positive","sentiment_score":0.43709074079990384}],"sentiment":"positive","sentiment_score":0.49357663579733974,"channel":0,"num_words":83,"start":1222.87,"end":1248.9901},{"sentences":[{"text":"Okay.","start":1249.76,"end":1250.26,"sentiment":"neutral","sentiment_score":0.31033116579055786}],"sentiment":"neutral","sentiment_score":0.31033116579055786,"channel":1,"num_words":1,"start":1249.76,"end":1250.26},{"sentences":[{"text":"So let me know how you go with with it.","start":1250.65,"end":1253.3701,"sentiment":"positive","sentiment_score":0.343043851852417},{"text":"If you have any issues, I can stay on the phone if you would like just to make sure it all gets done.","start":1253.3701,"end":1259.285,"sentiment":"neutral","sentiment_score":0.24606048283369644}],"sentiment":"neutral","sentiment_score":0.27544938253633905,"channel":0,"num_words":33,"start":1250.65,"end":1259.285},{"sentences":[{"text":"So I know.","start":1262.0549,"end":1262.955,"sentiment":"neutral","sentiment_score":0.2032956083615621}],"sentiment":"neutral","sentiment_score":0.2032956083615621,"channel":1,"num_words":3,"start":1262.0549,"end":1262.955},{"sentences":[{"text":"Yep.","start":1263.8251,"end":1264.3251,"sentiment":"neutral","sentiment_score":0.2380679547786713},{"text":"It should just be the one signature in this document.","start":1264.625,"end":1267.285,"sentiment":"neutral","sentiment_score":0.2568374291062355},{"text":"And it should just ask you to draw a little signature, and it often adds the date automatically.","start":1277.36,"end":1282.8201,"sentiment":"neutral","sentiment_score":0.1686408751540714}],"sentiment":"neutral","sentiment_score":0.20144751719359694,"channel":0,"num_words":29,"start":1263.8251,"end":1282.8201},{"sentences":[{"text":"Yep.","start":1286.085,"end":1286.585,"sentiment":"neutral","sentiment_score":0.18230366706848145},{"text":"I already done the signature on that one.","start":1286.885,"end":1288.985,"sentiment":"neutral","sentiment_score":0.23236817866563797}],"sentiment":"neutral","sentiment_score":0.2268054551548428,"channel":1,"num_words":9,"start":1286.085,"end":1288.985},{"sentences":[{"text":"Okay.","start":1289.325,"end":1289.825,"sentiment":"positive","sentiment_score":0.3729552626609802},{"text":"Perfect.","start":1289.885,"end":1290.2849,"sentiment":"positive","sentiment_score":0.5983928442001343},{"text":"And does it say in the corner validate?","start":1290.2849,"end":1293.105,"sentiment":"neutral","sentiment_score":0.1451254365965724},{"text":"Can you see a button where it says validate?","start":1293.485,"end":1295.34,"sentiment":"neutral","sentiment_score":0.042997719513045415}],"sentiment":"neutral","sentiment_score":0.13259637238163696,"channel":0,"num_words":19,"start":1289.325,"end":1295.34},{"sentences":[{"text":"Nope.","start":1297.3,"end":1297.8,"sentiment":"neutral","sentiment_score":-0.050706248730421066},{"text":"No?","start":1300.26,"end":1300.76,"sentiment":"neutral","sentiment_score":-0.04846961051225662}],"sentiment":"neutral","sentiment_score":-0.049587929621338844,"channel":1,"num_words":2,"start":1297.3,"end":1300.76},{"sentences":[{"text":"Start?","start":1305.58,"end":1306.08,"sentiment":"neutral","sentiment_score":-0.0273017268627882}],"sentiment":"neutral","sentiment_score":-0.0273017268627882,"channel":0,"num_words":1,"start":1305.58,"end":1306.08},{"sentences":[{"text":"It it said next document.","start":1308.66,"end":1311.075,"sentiment":"neutral","sentiment_score":-0.016089565679430963},{"text":"I went to the financial services, sir.","start":1311.075,"end":1313.335,"sentiment":"neutral","sentiment_score":0.009040385484695435}],"sentiment":"neutral","sentiment_score":-0.0014304275003572304,"channel":1,"num_words":12,"start":1308.66,"end":1313.335},{"sentences":[{"text":"Okay.","start":1314.315,"end":1314.715,"sentiment":"neutral","sentiment_score":0.014801103621721268},{"text":"And is there a signature there?","start":1314.715,"end":1316.495,"sentiment":"neutral","sentiment_score":0.0031878997882207236},{"text":"There shouldn't be.","start":1319.755,"end":1321.1,"sentiment":"neutral","sentiment_score":-0.0626245488723119}],"sentiment":"neutral","sentiment_score":-0.015394514426589012,"channel":0,"num_words":10,"start":1314.315,"end":1321.1},{"sentences":[{"text":"Nope.","start":1324.035,"end":1324.435,"sentiment":"neutral","sentiment_score":-0.07470424473285675},{"text":"Next document.","start":1324.435,"end":1325.335,"sentiment":"neutral","sentiment_score":-0.02665188815444708}],"sentiment":"neutral","sentiment_score":-0.042669340347250305,"channel":1,"num_words":3,"start":1324.035,"end":1325.335},{"sentences":[{"text":"No.","start":1325.24,"end":1325.74,"sentiment":"neutral","sentiment_score":-0.04729750379920006},{"text":"Yes.","start":1326.04,"end":1326.54,"sentiment":"neutral","sentiment_score":0.016588754951953888}],"sentiment":"neutral","sentiment_score":-0.015354374423623085,"channel":0,"num_words":2,"start":1325.24,"end":1326.54},{"sentences":[{"text":"Validate.","start":1326.09,"end":1326.59,"sentiment":"neutral","sentiment_score":0.03094170987606049}],"sentiment":"neutral","sentiment_score":0.03094170987606049,"channel":1,"num_words":1,"start":1326.09,"end":1326.59},{"sentences":[{"text":"Oh, beautiful.","start":1327.5599,"end":1328.46,"sentiment":"positive","sentiment_score":0.5595903694629669},{"text":"Yeah.","start":1328.52,"end":1329.02,"sentiment":"neutral","sentiment_score":0.30819493532180786},{"text":"So the financial services guide is the same one we had during the annual review for you.","start":1329.08,"end":1333.32,"sentiment":"neutral","sentiment_score":0.28899533345418815},{"text":"Just another copy if you wanted to have a read over it.","start":1333.32,"end":1336.505,"sentiment":"neutral","sentiment_score":0.2570064999163151},{"text":"And then, yes, when you press validate, it will then send it all back to me, and I will get that all uploaded and sorted for you and go ahead and make those little investment changes.","start":1336.8049,"end":1349.18,"sentiment":"positive","sentiment_score":0.35318438791566426}],"sentiment":"neutral","sentiment_score":0.32557371039600935,"channel":0,"num_words":68,"start":1327.5599,"end":1349.18},{"sentences":[{"text":"Now let me see if I can just refresh to make sure that's all done.","start":1349.64,"end":1353.74,"sentiment":"neutral","sentiment_score":0.15993783374627432},{"text":"Do you have much planned for the rest of the day?","start":1354.2001,"end":1356.3,"sentiment":"neutral","sentiment_score":0.10080563954331657}],"sentiment":"neutral","sentiment_score":0.1349203669680999,"channel":0,"num_words":26,"start":1349.64,"end":1356.3},{"sentences":[{"text":"I'm gonna go and clean up.","start":1358.05,"end":1361.03,"sentiment":"neutral","sentiment_score":0.0557175570478042},{"text":"Still haven't","start":1361.25,"end":1361.65,"sentiment":"neutral","sentiment_score":-0.016556081362068653}],"sentiment":"neutral","sentiment_score":0.037649147445335984,"channel":1,"num_words":8,"start":1358.05,"end":1361.65},{"sentences":[{"text":"Oh,","start":1361.64,"end":1361.8,"sentiment":"neutral","sentiment_score":0.03142310306429863}],"sentiment":"neutral","sentiment_score":0.03142310306429863,"channel":0,"num_words":1,"start":1361.64,"end":1361.8},{"sentences":[{"text":"had","start":1361.65,"end":1361.81,"sentiment":"neutral","sentiment_score":0.04463217407464981}],"sentiment":"neutral","sentiment_score":0.04463217407464981,"channel":1,"num_words":1,"start":1361.65,"end":1361.81},{"sentences":[{"text":"yeah.","start":1361.8,"end":1362.165,"sentiment":"neutral","sentiment_score":0.05019112676382065}],"sentiment":"neutral","sentiment_score":0.05019112676382065,"channel":0,"num_words":1,"start":1361.8,"end":1362.165},{"sentences":[{"text":"a shower for","start":1361.81,"end":1362.4501,"sentiment":"neutral","sentiment_score":0.09114052603642146}],"sentiment":"neutral","sentiment_score":0.09114052603642146,"channel":1,"num_words":3,"start":1361.81,"end":1362.4501},{"sentences":[{"text":"Fun.","start":1362.3251,"end":1362.8251,"sentiment":"neutral","sentiment_score":0.17216956615447998}],"sentiment":"neutral","sentiment_score":0.17216956615447998,"channel":0,"num_words":1,"start":1362.3251,"end":1362.8251},{"sentences":[{"text":"work yet.","start":1362.4501,"end":1363.1901,"sentiment":"neutral","sentiment_score":0.060985781252384186}],"sentiment":"neutral","sentiment_score":0.060985781252384186,"channel":1,"num_words":2,"start":1362.4501,"end":1363.1901},{"sentences":[{"text":"Yeah.","start":1364.245,"end":1364.5651,"sentiment":"neutral","sentiment_score":0.05348962172865867},{"text":"Oh, yeah.","start":1364.5651,"end":1365.045,"sentiment":"neutral","sentiment_score":0.04279642552137375},{"text":"Well, let me see.","start":1365.045,"end":1366.5651,"sentiment":"neutral","sentiment_score":0.03756532911211252},{"text":"Does it say this is loading on your end at all, Steven?","start":1366.5651,"end":1369.865,"sentiment":"neutral","sentiment_score":0.020074967527762055},{"text":"Or what is what can you see?","start":1369.925,"end":1371.625,"sentiment":"neutral","sentiment_score":0.006766957363912037}],"sentiment":"neutral","sentiment_score":0.02221585004232251,"channel":0,"num_words":26,"start":1364.245,"end":1371.625},{"sentences":[{"text":"Loading.","start":1374.405,"end":1374.905,"sentiment":"neutral","sentiment_score":0.02871019206941128}],"sentiment":"neutral","sentiment_score":0.02871019206941128,"channel":0,"num_words":1,"start":1374.405,"end":1374.905},{"sentences":[{"text":"Loading.","start":1375.0549,"end":1375.5349,"sentiment":"neutral","sentiment_score":0.050235576927661896}],"sentiment":"neutral","sentiment_score":0.050235576927661896,"channel":1,"num_words":1,"start":1375.0549,"end":1375.5349},{"sentences":[{"text":"Yeah.","start":1375.13,"end":1375.29,"sentiment":"neutral","sentiment_score":0.0298082884401083},{"text":"Sometimes","start":1375.29,"end":1375.79,"sentiment":"neutral","sentiment_score":0.02915916219353676}],"sentiment":"neutral","sentiment_score":0.02948372531682253,"channel":0,"num_words":2,"start":1375.13,"end":1375.79},{"sentences":[{"text":"I mean, I mean, Goldman","start":1375.5349,"end":1376.6549,"sentiment":"neutral","sentiment_score":0.02518785633146763}],"sentiment":"neutral","sentiment_score":0.02518785633146763,"channel":1,"num_words":5,"start":1375.5349,"end":1376.6549},{"sentences":[{"text":"it","start":1376.3141,"end":1376.8141,"sentiment":"neutral","sentiment_score":0.02932628244161606}],"sentiment":"neutral","sentiment_score":0.02932628244161606,"channel":0,"num_words":1,"start":1376.3141,"end":1376.8141},{"sentences":[{"text":"has to catch up","start":1376.6549,"end":1377.375,"sentiment":"neutral","sentiment_score":0.012648999691009521}],"sentiment":"neutral","sentiment_score":0.012648999691009521,"channel":1,"num_words":4,"start":1376.6549,"end":1377.375},{"sentences":[{"text":"takes","start":1377.338,"end":1377.838,"sentiment":"neutral","sentiment_score":0.023308712989091873}],"sentiment":"neutral","sentiment_score":0.023308712989091873,"channel":0,"num_words":1,"start":1377.338,"end":1377.838},{"sentences":[{"text":"with the rest of the world.","start":1377.375,"end":1378.515,"sentiment":"neutral","sentiment_score":0.025104970360795658}],"sentiment":"neutral","sentiment_score":0.025104970360795658,"channel":1,"num_words":6,"start":1377.375,"end":1378.515},{"sentences":[{"text":"a minute.","start":1378.362,"end":1379.886,"sentiment":"neutral","sentiment_score":-0.005710311699658632},{"text":"Yeah.","start":1380.41,"end":1380.91,"sentiment":"neutral","sentiment_score":0.006350759416818619},{"text":"Oh, sometimes I swear to technology is great when it works, but then when it takes a minute, it can be a bit","start":1382.49,"end":1388.025,"sentiment":"neutral","sentiment_score":0.01825364193190699}],"sentiment":"neutral","sentiment_score":0.015952457709667776,"channel":0,"num_words":26,"start":1378.362,"end":1388.025},{"sentences":[{"text":"That's that's the trouble other people assume, and it just works straight away, but it doesn't.","start":1389.27,"end":1393.45,"sentiment":"neutral","sentiment_score":-0.14249796560034156}],"sentiment":"neutral","sentiment_score":-0.14249796560034156,"channel":1,"num_words":16,"start":1389.27,"end":1393.45},{"sentences":[{"text":"frustrating.","start":1392.985,"end":1393.485,"sentiment":"neutral","sentiment_score":-0.17263218760490415},{"text":"Yeah.","start":1394.185,"end":1394.5851,"sentiment":"neutral","sentiment_score":-0.04065994918346405},{"text":"No.","start":1394.5851,"end":1394.905,"sentiment":"neutral","sentiment_score":-0.057784225791692734},{"text":"It comes on take a minute.","start":1394.905,"end":1396.285,"sentiment":"neutral","sentiment_score":-0.001320207491517067},{"text":"But I can actually see just now that came through on my end, which is great.","start":1396.505,"end":1400.505,"sentiment":"positive","sentiment_score":0.35920514864847064}],"sentiment":"neutral","sentiment_score":0.21873139083385468,"channel":0,"num_words":25,"start":1392.985,"end":1400.505},{"sentences":[{"text":"So it didn't","start":1400.505,"end":1401.0651,"sentiment":"neutral","sentiment_score":0.1964370757341385}],"sentiment":"neutral","sentiment_score":0.1964370757341385,"channel":0,"num_words":3,"start":1400.505,"end":1401.0651},{"sentences":[{"text":"Yep.","start":1400.95,"end":1401.45,"sentiment":"neutral","sentiment_score":0.013454729691147804}],"sentiment":"neutral","sentiment_score":0.013454729691147804,"channel":1,"num_words":1,"start":1400.95,"end":1401.45},{"sentences":[{"text":"take too too long.","start":1401.0651,"end":1402.605,"sentiment":"neutral","sentiment_score":-0.0033429674804210663},{"text":"Now like I said, Steven, the document is always there for you to have a read.","start":1403.35,"end":1406.95,"sentiment":"neutral","sentiment_score":0.23215957544744015},{"text":"So if you ever wanna go back when you have a bit more time or you wanna look at it, you just click back into that link.","start":1406.95,"end":1412.95,"sentiment":"neutral","sentiment_score":0.16966974486907324},{"text":"It's all there for you.","start":1412.95,"end":1414.33,"sentiment":"neutral","sentiment_score":0.2424086421728134},{"text":"If you have any issues, sorry, you can always just give me a call, and, we can always email you a copy as well.","start":1414.47,"end":1420.635,"sentiment":"neutral","sentiment_score":0.08112978252271812}],"sentiment":"neutral","sentiment_score":0.15054503210673206,"channel":0,"num_words":76,"start":1401.0651,"end":1420.635},{"sentences":[{"text":"Okay then.","start":1421.14,"end":1421.96,"sentiment":"neutral","sentiment_score":0.14020881801843643}],"sentiment":"neutral","sentiment_score":0.14020881801843643,"channel":1,"num_words":2,"start":1421.14,"end":1421.96},{"sentences":[{"text":"Yeah.","start":1422.215,"end":1422.535,"sentiment":"neutral","sentiment_score":0.31513816118240356},{"text":"Beautiful.","start":1422.535,"end":1422.9349,"sentiment":"positive","sentiment_score":0.7282401323318481},{"text":"But that was essentially everything that I needed to go over with you today.","start":1422.9349,"end":1426.395,"sentiment":"positive","sentiment_score":0.4454347108091627},{"text":"Do you have any questions for me before I let you go and get on with your afternoon?","start":1426.695,"end":1431.25,"sentiment":"neutral","sentiment_score":0.15395031248529753}],"sentiment":"neutral","sentiment_score":0.29560499616405544,"channel":0,"num_words":34,"start":1422.215,"end":1431.25},{"sentences":[{"text":"Thank you.","start":1432.235,"end":1432.635,"sentiment":"positive","sentiment_score":0.5127503871917725},{"text":"That was all.","start":1432.635,"end":1433.535,"sentiment":"neutral","sentiment_score":0.24233655631542206}],"sentiment":"positive","sentiment_score":0.3505020886659622,"channel":1,"num_words":5,"start":1432.235,"end":1433.535},{"sentences":[{"text":"No?","start":1433.3899,"end":1433.87,"sentiment":"neutral","sentiment_score":0.006302777677774429},{"text":"Okay.","start":1433.87,"end":1434.19,"sentiment":"neutral","sentiment_score":0.2686613202095032},{"text":"Beautiful.","start":1434.19,"end":1434.6699,"sentiment":"positive","sentiment_score":0.6414740681648254},{"text":"Well, thank you so much for your time this afternoon, Steven, and I hope you enjoy the rest of your day.","start":1434.6699,"end":1439.49,"sentiment":"positive","sentiment_score":0.7768755555152893}],"sentiment":"positive","sentiment_score":0.7179510346613824,"channel":0,"num_words":24,"start":1433.3899,"end":1439.49},{"sentences":[{"text":"You too.","start":1439.995,"end":1440.555,"sentiment":"positive","sentiment_score":0.5212196558713913},{"text":"Thank you.","start":1440.555,"end":1441.115,"sentiment":"positive","sentiment_score":0.637003093957901}],"sentiment":"positive","sentiment_score":0.5791113749146461,"channel":1,"num_words":4,"start":1439.995,"end":1441.115},{"sentences":[{"text":"Mhmm.","start":1440.99,"end":1441.49,"sentiment":"neutral","sentiment_score":0.24216660857200625}],"sentiment":"neutral","sentiment_score":0.24216660857200625,"channel":0,"num_words":1,"start":1440.99,"end":1441.49},{"sentences":[{"text":"See you later.","start":1441.115,"end":1442.105,"sentiment":"positive","sentiment_score":0.4201339880625407}],"sentiment":"positive","sentiment_score":0.4201339880625407,"channel":1,"num_words":3,"start":1441.115,"end":1442.105},{"sentences":[{"text":"Beautiful.","start":1441.7899,"end":1442.2899,"sentiment":"positive","sentiment_score":0.7307731509208679},{"text":"Thanks.","start":1442.35,"end":1442.83,"sentiment":"positive","sentiment_score":0.6889946460723877},{"text":"Bye.","start":1442.83,"end":1443.33,"sentiment":"neutral","sentiment_score":-0.10948437452316284}],"sentiment":"positive","sentiment_score":0.43676114082336426,"channel":0,"num_words":3,"start":1441.7899,"end":1443.33}]},"summary":{"result":"success","short":"Representatives from Oakview Financial and Oakview Financial provide advice to Steven on his investment strategy, emphasizing the importance of the advice and potential risks of changing investments. The recommendations are based on a five-year rolling average and not affected by changes in the market. The process of changing investments and rebalancing the portfolio is explained, and instructions are provided on completing necessary documents and signing and validating them. The risk profile of Steven's portfolio is adjusted to reflect his risk tolerance and he is advised to set up a will and power of attorney to ensure he takes on any additional risks."},"intents":{"segments":[{"text":"And just for security purposes, so that I can confirm I'm speaking with the right person, could I please get you to confirm your full name, date of birth, and address, please? Steven Gordon Gilbert.","start_word":83,"end_word":117,"intents":[{"intent":"Confirm identity","confidence_score":0.86268204}]},{"text":"Now do you have access to your emails at the moment by any chance?","start_word":163,"end_word":176,"intents":[{"intent":"Update and access documents","confidence_score":0.0000011408937}]},{"text":"So every time we do make a recommendation for you, Steven, we have to put everything in the statement of the device just to make sure that you fully understand everything. Now a lot of it is just for compliance purposes, and today is pretty straightforward. So even though the document is 36 pages, I won't go through all of that with you.","start_word":300,"end_word":362,"intents":[{"intent":"Make recommendations","confidence_score":0.085800126}]},{"text":"So, essentially, today, all we're looking at is your superannuation, specifically your investments to see if we needed to make any tweaks and changes to any investments to make sure everything is growing, and putting you in the best position for your retirement, not making any changes otherwise to insurances or anything. It's literally just reviewing your super investments.","start_word":521,"end_word":579,"intents":[{"intent":"Review super investments","confidence_score":0.20586649}]},{"text":"So kind of referring back to again the under review where we did talk about your risk profile.","start_word":750,"end_word":767,"intents":[{"intent":"Discuss risk profile","confidence_score":0.084359884}]},{"text":"Now if you want to then scroll down for me to page 16, it basically shows you the recommendation in a table to make it a little bit, nice and easy. And the pages that you did scroll past, it basically summarizes, this table, but just in words for you as well to make it easy. But I sometimes find just kind of looking at it and talking about it here makes it a bit easier. Yep.","start_word":855,"end_word":931,"intents":[{"intent":"Provide recommendations","confidence_score":0.01806109}]},{"text":"Let me know if you can see that fee comparison table. Yes.","start_word":932,"end_word":943,"intents":[{"intent":"Understand comparison","confidence_score":0.0052556256}]},{"text":"Now, essentially, essentially, what I did look at for you, I did also do some research on your hub twenty four account just to see if it's still going to be the best option for you because there's always new super funds and products and features that come out to the market.","start_word":1000,"end_word":1051,"intents":[{"intent":"Determine if hub twenty four is the best option","confidence_score":0.000054107953}]},{"text":"So I have recommended that you stay in Hub 24 and you stay in the C bus, literally just changing some of the investments because hub twenty four is still very competitive when it comes to the fees and the the functions and the investment choices.","start_word":1106,"end_word":1151,"intents":[{"intent":"Recommend staying in hub 24, Use c bus","confidence_score":0.00008603722}]},{"text":"thing is I'm that you're I'm basically gonna go to my I'm gonna go to my work this week and get them to put extra money in that per week. okay.","start_word":1196,"end_word":1226,"intents":[{"intent":"Put extra money into cbus account","confidence_score":0.008967673}]},{"text":"And $50 a week keeps you under those contribution caps as well, which which is great. So just for your reference, with the concessional contributions, sorry, from your employer and you making, like, salary sacrifice contributions, there is a limit Yep. each year what you can put in. And for this financial year, it's at 32,500. So you have plenty of space to do that $50 a week, which is good. So Yep.","start_word":1253,"end_word":1325,"intents":[{"intent":"Calculate contribution caps","confidence_score":0.054111395}]},{"text":"if you, for some reason, wanted to put a lot in, just give me a call just so I can run the numbers for you first. Okay.","start_word":1326,"end_word":1352,"intents":[{"intent":"Run numbers","confidence_score":0.6782313}]},{"text":"And if it is that there's more going in, because, obviously, more with more contributions, then if appropriate, we can always roll a little bit like, do a little bit of a partial rollover into Hub if it's appropriate because we wanna make sure we have the most amount of money in the super fund that's gonna give you Yep. the most amount of growth.","start_word":1398,"end_word":1462,"intents":[{"intent":"Confirm additional money in super fund","confidence_score":0.000009482311}]},{"text":"And if it is that there's more going in, because, obviously, more with more contributions, then if appropriate, we can always roll a little bit like, do a little bit of a partial rollover into Hub if it's appropriate because we wanna make sure we have the most amount of money in the super fund that's gonna give you Yep. the most amount of growth. Yes.","start_word":1398,"end_word":1463,"intents":[{"intent":"Roll partial fund","confidence_score":0.0019188423}]},{"text":"The return on investment's not as good. And that's why we wanna make sure we keep as close to that 10,000 as possible because we want most in the fund that's going to grow for you. Yep.","start_word":1499,"end_word":1535,"intents":[{"intent":"Optimize investment return","confidence_score":0.001799739}]},{"text":"Now the good thing as well with the recommendation is that it's estimated to not result in any capital gains tax. So often when you sell investments, if they have gone up, you will have to pay capital gains tax on those investment earnings similar to, like, if you were to sell an investment property. The same Yeah.","start_word":1866,"end_word":1923,"intents":[{"intent":"Evaluate tax benefits","confidence_score":0.0015437622}]},{"text":"Now the other thing in red, what that is is just rebalancing your portfolio.","start_word":2563,"end_word":2576,"intents":[{"intent":"Manage portfolio rebalancing","confidence_score":0.00048322635}]},{"text":"Keeping it in your portfolio, we're just aligning it back to 4%. Does that kind of make sense? Okay.","start_word":2706,"end_word":2724,"intents":[{"intent":"Align portfolios","confidence_score":0.043705292}]},{"text":"And then what I've also included is just some general information in regards to setting up a will and making a nomination for power of attorney.","start_word":2988,"end_word":3013,"intents":[{"intent":"Discuss power of attorney setup","confidence_score":0.07519857}]},{"text":"Now the last thing is just in regards to the fee structure. So like I mentioned during the annual review, Steven, there's no changes whatsoever in regards to the fee structure. That stays exactly the same at that 1.65 from Super, so no additional fees or charges at all.","start_word":3078,"end_word":3126,"intents":[{"intent":"Discuss fees and changes","confidence_score":0.0011947571}]},{"text":"If you do have a read through it or if you are happy to go ahead with a couple of changes to move forward, it would then be to sign the documents that you are in at the moment digitally, the same as you did during the under review, and then it will automatically send it back to me.","start_word":3158,"end_word":3216,"intents":[{"intent":"Provide advice on document signing","confidence_score":0.00028547907}]},{"text":"It's just literally changing that one investment and rebalance your portfolio, which does make make it a bit cheaper and improve that returns for you.","start_word":3263,"end_word":3287,"intents":[{"intent":"Rebalance portfolio","confidence_score":0.08207864}]},{"text":"So let me know how you go with with it. If you have any issues, I can stay on the phone if you would like just to make sure it all gets done. So I know.","start_word":3339,"end_word":3374,"intents":[{"intent":"Ask for feedback","confidence_score":0.0014717289}]},{"text":"And it should just ask you to draw a little signature, and it often adds the date automatically. Yep. I already done the signature on that one. Okay. Perfect. And does it say in the corner validate? Can you see a button where it says validate? Nope.","start_word":3387,"end_word":3433,"intents":[{"intent":"Validate signature","confidence_score":0.5860127}]},{"text":"Now let me see if I can just refresh to make sure that's all done.","start_word":3531,"end_word":3545,"intents":[{"intent":"Ensure completion of investment changes","confidence_score":0.0041365325}]},{"text":"Does it say this is loading on your end at all, Steven? Or what is what can you see? Loading.","start_word":3581,"end_word":3600,"intents":[{"intent":"Confirm document loading","confidence_score":0.008908877}]}]},"sentiments":{"segments":[{"text":"Hello? Good afternoon. Is this Steven? Yes. This is Veronica from Oakview Financial. How are you?","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.1438501626253128},{"text":"Good. Thank you. That's good. I had you booked in. I just took over some research I did on your super investment. So is now still a good time for you?","start_word":16,"end_word":46,"sentiment":"positive","sentiment_score":0.5036746859550476},{"text":"Yes. Yeah.","start_word":47,"end_word":48,"sentiment":"neutral","sentiment_score":0.17095158994197843},{"text":"Per perfect.","start_word":49,"end_word":50,"sentiment":"positive","sentiment_score":0.3708251118659973},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. Yep. Perfect. And just for security purposes, so that I can confirm I'm speaking with the right person, could I please get you to confirm your full name, date of birth, and address, please? Steven Gordon Gilbert. November 8 Yep. 9970, Unit 404 Stratford Lane, Galvin, Perfect. New South And Wales how's your two day 580. Thank you. And how's your day been? Been busy? Yeah. Too busy. Well, I won't keep you for too long, Steven. Today is pretty straightforward. Yep. Now do you have access to your emails at the moment by any chance? To my email so I can have it. Yes. If you do, it does makes it a little bit easier when I go through it if you can access your email. Signature request for Veronica Glover. Email. Yes. That's the one. Now when you click on the link, it will then open up the strategy recommendation so that I can go through it with you before, obviously, it prompts you to sign anything just to make sure you, obviously, you are happy with the the change. Okay. So click on the link for the signature, sign Yes, document. please. Yes. Taking a minute. Yep. That's okay. And it should then open up a document where it says statement of advice. Yep. Yep.","start_word":51,"end_word":298,"sentiment":"neutral","sentiment_score":0.0795634388923645},{"text":"Perfect.","start_word":299,"end_word":299,"sentiment":"positive","sentiment_score":0.3344753086566925},{"text":"So every time we do make a recommendation for you, Steven, we have to put everything in the statement of the device just to make sure that you fully understand everything. Now a lot of it is just for compliance purposes, and today is pretty straightforward. So even though the document is 36 pages, I won't go through all of that with you. I'll just kind of go through the most important points, and then you can always have a read over it in your own time if you do have any questions.","start_word":300,"end_word":392,"sentiment":"neutral","sentiment_score":0.17220436709542428},{"text":"Yep. Perfect.","start_word":393,"end_word":394,"sentiment":"positive","sentiment_score":0.48184409737586975},{"text":"Now on the cover page, you can also see my details listed. So you can see my authorized representative number listed there, and I am licensed under Every time we do make a recommendation as well, we do always follow that best interest duty, which is outlined on page two. Do you remember Yep. ever hearing about that Yes. before? Yep. Okay.","start_word":395,"end_word":456,"sentiment":"neutral","sentiment_score":0.1489097774028778},{"text":"Perfect.","start_word":457,"end_word":457,"sentiment":"positive","sentiment_score":0.4715663194656372},{"text":"Yeah. Obviously, everything we do has to be in your best interest at all time, and that advice has to put you in a better position as a result of the advice. Now if you wanna scroll through for me, you will see table of content, pretty self explanatory. You then have scope of advice. Can you see that? Yep. Yep. Yep.","start_word":458,"end_word":519,"sentiment":"neutral","sentiment_score":0.21452154219150543},{"text":"Perfect.","start_word":520,"end_word":520,"sentiment":"positive","sentiment_score":0.451755553483963},{"text":"So, essentially, today, all we're looking at is your superannuation, specifically your investments to see if we needed to make any tweaks and changes to any investments to make sure everything is growing, and putting you in the best position for your retirement, not making any changes otherwise to insurances or anything. It's literally just reviewing your super investments. And you kind of remember that conversation we had after the interview? Yes. Yeah. Okay. Perfect. So if you wanna scroll through to what the actual advice talks about. So as you scroll through, you'll talk you'll see a couple of pages. It talks about about you, just some information from the fact line we did. It shows you your assets and your liabilities. It then shows you so if you wanna go to page nine, it then shows you your current due and insurances, if you can see that. Okay. Yep. Yep. So it shows you kind of what we talked about during the annual review that you obviously have your hub 24 where you have majority of your funds, and you do have c bus as well for those insurances, which you can see your life and TPD, outlined within Cbus for you. Yes. Now if you wanna go to the next page, it talks about that risk profile. Can you see that page okay? Yep. Yep.","start_word":521,"end_word":748,"sentiment":"neutral","sentiment_score":0.14763881449113814},{"text":"Perfect.","start_word":749,"end_word":749,"sentiment":"positive","sentiment_score":0.5966077446937561},{"text":"So kind of referring back to again the under review where we did talk about your risk profile. So we are not making any changes when it comes to your risk profile. We are keeping you in that growth profile that you currently have, just making a couple of changes in regards to your investments.","start_word":750,"end_word":804,"sentiment":"neutral","sentiment_score":0.06891486793756485},{"text":"The growth is still appropriate for you based on all of your time until retirement, what you are comfortable with, and that we are trying to grow that super as much as possible before you do retire.","start_word":805,"end_word":841,"sentiment":"positive","sentiment_score":0.35532790422439575},{"text":"Any questions so far? Well, that's pretty Not too straightforward. straightforward. Yep.","start_word":842,"end_word":853,"sentiment":"neutral","sentiment_score":-0.03048928640782833},{"text":"Perfect. Now if you want to then scroll down for me to page 16, it basically shows you the recommendation in a table to make it a little bit, nice and easy. And the pages that you did scroll past, it basically summarizes, this table, but just in words for you as well to make it easy.","start_word":854,"end_word":910,"sentiment":"positive","sentiment_score":0.3728969991207123},{"text":"But I sometimes find just kind of looking at it and talking about it here makes it a bit easier. Yep. Let me know if you can see that fee comparison table. Yes. I can see it. Every time I try to zoom in, do it, my phone has has a heathy pic. Oh, that's that's okay. It's always you can always go back and have a look at it on a computer or anything like Yeah. that I'm later. gonna look at But yep. yeah. No. That's okay. Now, essentially, essentially, what I did look at for you, I did also do some research on your hub twenty four account just to see if it's still going to be the best option for you because there's always new super funds and products and features that come out to the market. So it is good to reassess it every now and then. Get us to make sure because there's nothing obviously tying us to hub twenty four. It's just having a look at if it's still the best option for you.","start_word":911,"end_word":1091,"sentiment":"neutral","sentiment_score":0.17605778574943542},{"text":"And after doing our research, it's still very much is a competitive option. So I have recommended that you stay in Hub 24 and you stay in the C bus, literally just changing some of the investments because hub twenty four is still very competitive when it comes to the fees and the the functions and the investment choices. So it's still very much a good option.","start_word":1092,"end_word":1158,"sentiment":"positive","sentiment_score":0.5280232473985472},{"text":"Now in your C bus account as well, you do have 10,008 in there. And typically speaking, we do wanna leave about 10,000 just to make sure your insurances continue to remain active.","start_word":1159,"end_word":1191,"sentiment":"neutral","sentiment_score":0.27591103315353394},{"text":"So the good Yeah.","start_word":1192,"end_word":1195,"sentiment":"positive","sentiment_score":0.4034706652164459},{"text":"thing is I'm that you're I'm basically gonna go to my I'm gonna go to my work this week and get them to put extra money in that per week. okay. And how much are you looking at putting in?","start_word":1196,"end_word":1235,"sentiment":"neutral","sentiment_score":0.2351512759923935},{"text":"If I put $50 a week, you know, it should be good. Okay. Pretty good. Perfect. Yeah. And $50 a week keeps you under those contribution caps as well, which which is great.","start_word":1236,"end_word":1268,"sentiment":"positive","sentiment_score":0.45173200964927673},{"text":"So just for your reference, with the concessional contributions, sorry, from your employer and you making, like, salary sacrifice contributions, there is a limit Yep. each year what you can put in. And for this financial year, it's at 32,500.","start_word":1269,"end_word":1308,"sentiment":"neutral","sentiment_score":0.2037380337715149},{"text":"So you have plenty of space to do that $50 a week, which is good.","start_word":1309,"end_word":1323,"sentiment":"positive","sentiment_score":0.35909387469291687},{"text":"So Yep. if you, for some reason, wanted to put a lot in, just give me a call just so I can run the numbers for you first. Okay. Okay? Yeah. Perfect. I'll But I'll no. keep it Otherwise on. no. That's good. But, yes, otherwise, it's all going good. Every time we do an under review, when we do catch up, we can kind of look at how much you have in Cbus. And if it is that there's more going in, because, obviously, more with more contributions, then if appropriate, we can always roll a little bit like, do a little bit of a partial rollover into Hub if it's appropriate because we wanna make sure we have the most amount of money in the super fund that's gonna give you Yep. the most amount of growth. Yes. If the sea But bus at the doesn't moment, actually go at all.","start_word":1324,"end_word":1476,"sentiment":"neutral","sentiment_score":0.13910557329654694},{"text":"doesn't grow near as much.","start_word":1477,"end_word":1481,"sentiment":"negative","sentiment_score":-0.3889846801757813},{"text":"No. The No. the That return that's why on the I investment moved to you guys. yes.","start_word":1482,"end_word":1498,"sentiment":"neutral","sentiment_score":-0.17089630663394928},{"text":"The return on investment's not as good.","start_word":1499,"end_word":1505,"sentiment":"negative","sentiment_score":-0.42730388045310974},{"text":"And that's why we wanna make sure we keep as close to that 10,000 as possible because we want most in the fund that's going to grow for you. Yep.","start_word":1506,"end_word":1535,"sentiment":"neutral","sentiment_score":0.03989844769239426},{"text":"So that's good.","start_word":1536,"end_word":1538,"sentiment":"positive","sentiment_score":0.4298374652862549},{"text":"But at the moment, because you do have $8 over 10,000, there's which is great. But the table here, you can see, has the same structure. So your current situation, which is $0.5.24 and C bus, the total fees associated with the the true super funds, and you then have the recommended, which again is similar C bus and hub 24. Now you can see here that the price difference is saving you about $797 a year, which is literally just from changing an investment, which is pretty crazy. I'm not changing anything else, but it is making it a bit cheaper for you.","start_word":1539,"end_word":1642,"sentiment":"neutral","sentiment_score":0.21540650725364685},{"text":"Obviously, making things cheaper means you have more money in super to be invested in growth for you.","start_word":1643,"end_word":1660,"sentiment":"positive","sentiment_score":0.4925262928009033},{"text":"Does that make Yep. sense, Yep. Steven? Yep.","start_word":1661,"end_word":1668,"sentiment":"neutral","sentiment_score":0.16753599047660828},{"text":"Perfect. Now you can also see on this table that the return is also improved.","start_word":1669,"end_word":1683,"sentiment":"positive","sentiment_score":0.4627870321273804},{"text":"So you can see your combined current situation when we are using that five year rolling average and comparing that to the recommended, it's a difference of about 4.33%, which, again, when you just do compound things, it does make a pretty big difference. Yes. It's a 60 Yep. year old Yes. So in in five years, Bailey. if everything obviously kind of stays the same, then, yes, it does make a pretty big difference, and that, again, is literally very minor changes. But even though just minor changes, it still makes a big difference and is important. So Okay. the reason also we use that five year rolling average is because you never know what's going to happen. You know, in the market and in the world, you can't guarantee investment returns, but that's why we want to use five years. Because using a five year period and then averaging that out on a yearly basis gives us a little bit more certainty of what's happened in the market and the portfolio as well. Does that make sense? Yep. Yep.","start_word":1684,"end_word":1864,"sentiment":"neutral","sentiment_score":0.14293123913404032},{"text":"Perfect.","start_word":1865,"end_word":1865,"sentiment":"positive","sentiment_score":0.6247071623802185},{"text":"Now the good thing as well with the recommendation is that it's estimated to not result in any capital gains tax. So often when you sell investments, if they have gone up, you will have to pay capital gains tax on those investment earnings similar to, like, if you were to sell an investment property. The same Yeah. kind of concept is within superannuation. It's all within the superannuation environment, though, So it's not something that you would ever have to pay for personally or that you'd have to declare when you do your tax return or anything like that. But it is something we obviously look at when we are looking at changing investments because we want to minimize that for you. We don't want you to paying any unnecessary tax if we don't have to.","start_word":1866,"end_word":2002,"sentiment":"neutral","sentiment_score":0.0756353884935379},{"text":"So the good thing with the recommendations I have made on your investments, it is estimated to not trigger any capital gains tax at all, which Okay. is great.","start_word":2003,"end_word":2031,"sentiment":"positive","sentiment_score":0.4753739833831787},{"text":"Yep. Any questions so far? No. Okay.","start_word":2032,"end_word":2038,"sentiment":"neutral","sentiment_score":0.1315927952528},{"text":"Beautiful. Now you said on the table there, you can also see at the bottom, it's projected for that five and ten years, and you can see that it does make a pretty big difference, which is great.","start_word":2039,"end_word":2076,"sentiment":"positive","sentiment_score":0.44798797369003296},{"text":"Now Yep. the next page is an also shows you performance return a bit more. It shows you twelve months, three years, five years, and ten years.","start_word":2077,"end_word":2103,"sentiment":"neutral","sentiment_score":0.2172580063343048},{"text":"And across all time frames, the recommended portfolio in Hub twenty four has outperformed all the others, which is great.","start_word":2104,"end_word":2123,"sentiment":"positive","sentiment_score":0.5660676956176758},{"text":"Now what that actually looks like in terms of the investment change for you, Steven, is on page 18, if you can see that. It's another table. Yep. Yeah. So the only change that we are the only investment that we are completely changing is one, and that is your the second one from the top where it says Benelon concentrated equities. Can you see that one? Yep. So, basically, this table, it might look a little bit messy, but it just shows you the changes in the investment. So you have the investment name first. You have the kind of special little code. You have how much you have invested in each option, what that kind of correlates through from a dollar value, and then you have the buy and sell column. Now everything in red is basically what we are selling or just changing a little bit, and what's black is what we are either buying a little bit more of or just keeping the same. Does that make sense? Yes. Yep. So the only real change we are doing completely is that second one from the top where it says Ben along Australian equities. What I have recommended is that we completely sell out of that one and replace it with the one listed at the bottom where it says Australia 200. Can you see that? Yes. Yes. So this is the one I kind of mentioned during the under review that I did wanted to do a bit more research with because recently, it has under little bit, so we wanted to see if we found some better options. Now with this one here, it is invested in Australian investment, so we wanted to find something that was suitable. And if we're replacing one Australian investment, we wanted to look at a similar competitor for also Australian investment, making sure that your portfolio overall is still very diversified and gives you good amount of exposure, not having too much in one particular market. So that was the main thing.","start_word":2124,"end_word":2466,"sentiment":"neutral","sentiment_score":0.07049690445466918},{"text":"We wanted to improve the returns a little bit and make things a little bit cheaper for you. So the good thing with the BetaShares Australia 200 is that kind of what the name says, it is investing in the 200 largest companies listed in Australia. So very diversified for you.","start_word":2467,"end_word":2517,"sentiment":"positive","sentiment_score":0.44096192717552185},{"text":"And if something were to happen to one company, it's not going to fluctuate as much because you do have 200 in one just that one single investment. Does that kind of make sense, Steven? Yes. Yes. So that was what that one switch was. Now the other thing in red, what that is is just rebalancing your portfolio. Now, basically, what rebalancing means is that, you know, over time, the different investments can perform differently. So some does a lot better. Others might not do as well. So what can happen over time is that your portfolio will kind of drift away from its intended asset allocation. So rebalancing basically just means buying and selling investments where appropriate to do so to kind of put everything back into alignment, back to where it it should be, to making sure that you're not taking on, you know, more risk or less risk than intended. So it's just kind of bringing everything back into alignment. But for example, you can see the second the third one from the top, at the moment, I have a 6.46 in this one. Keeping it in your portfolio, we're just aligning it back to 4%. Does that kind of make sense? Okay. Yep.","start_word":2518,"end_word":2725,"sentiment":"neutral","sentiment_score":0.08612924079912213},{"text":"Yes. So, yeah, basically, pretty straightforward just changing one investment completely, and the rest is just kind of rebalancing everything back into alignment. So pretty straightforward what we are doing with the investments for you.","start_word":2726,"end_word":2760,"sentiment":"positive","sentiment_score":0.4208770096302033},{"text":"Now Okay. on the next couple of pages, and I'm almost at the end there for you, Steven, it shows you your risk profile. So that is page 20 if you can see that. And it's like another little table, and there's like a pie chart in it? So page 20, Yes. proposed asset allocation. Yes. Correct. So what this table shows you is then how much we have in your growth and your defensive. So if you look at the second column, it says risk profile, and it shows you that roughly we're aiming for about 80% in those growth investments, 20% in defensive. You then have your existing portfolio next to it, which shows that at the moment, you are invested in growth at about 84.51 with about 14.79 in defensive. And then the recommended is eighty four sixteen and fifteen eighty four in defensive.","start_word":2761,"end_word":2907,"sentiment":"neutral","sentiment_score":0.13428719341754913},{"text":"So both very closely aligned, which shows you that by making that one investment change and rebalancing your portfolio, you're not taking on any additional risks, which is good.","start_word":2908,"end_word":2936,"sentiment":"positive","sentiment_score":0.35171815752983093},{"text":"Okay. Yep. Now what I have also just included is just obviously keeping your c Yes. bus insurances. We wanna make sure you have that life and TPD if something were to happen, but not making any changes in regards to that.","start_word":2937,"end_word":2978,"sentiment":"neutral","sentiment_score":0.20060427486896515},{"text":"Leaving that all the same, which is good.","start_word":2979,"end_word":2986,"sentiment":"positive","sentiment_score":0.48768219351768494},{"text":"And then what I've also included is just some general information in regards to setting up a will and making a nomination for power of attorney.","start_word":2987,"end_word":3012,"sentiment":"neutral","sentiment_score":0.1656416654586792},{"text":"It is something I always recommend everyone to consider. So I have included that for you so you can have a read over that in your own time as well.","start_word":3013,"end_word":3042,"sentiment":"positive","sentiment_score":0.37651681900024414},{"text":"It talks about, you know, advantages some disadvantages and risks in regards to setting up a will, what to be mindful of, and same for power over tech. That all make sense? Yes.","start_word":3043,"end_word":3075,"sentiment":"neutral","sentiment_score":0.16358956694602966},{"text":"Yeah. Perfect.","start_word":3076,"end_word":3077,"sentiment":"positive","sentiment_score":0.5030714869499207},{"text":"Now the last thing is just in regards to the fee structure. So like I mentioned during the annual review, Steven, there's no changes whatsoever in regards to the fee structure.","start_word":3078,"end_word":3108,"sentiment":"neutral","sentiment_score":0.2388230711221695},{"text":"That stays exactly the same at that 1.65 from Super, so no additional fees or charges at all. So, essentially, from here is if you wanted to take some time to have a read over the document in your own time, you are more than welcome to do so. If you do have a read through it or if you are happy to go ahead with a couple of changes to move forward, it would then be to sign the documents that you are in at the moment digitally, the same as you did during the under review, and then it will automatically send it back to me. And that tells me that you are happy to go ahead with that little investment change for you, and I will let the team know to go ahead and do that.","start_word":3109,"end_word":3247,"sentiment":"positive","sentiment_score":0.42832788825035095},{"text":"Okay. I'll I'll just sign K. it. Okay.","start_word":3248,"end_word":3255,"sentiment":"neutral","sentiment_score":0.15816228091716766},{"text":"Perfect. Like I said, it's pretty straightforward. It's just literally changing that one investment and rebalance your portfolio, which does make make it a bit cheaper and improve that returns for you. If later as well when you do have access to a computer, you wanted to go back and have a read over to look at the numbers if it's a bit funky on the phone, it's all there for you as well where you can have a look at it.","start_word":3256,"end_word":3337,"sentiment":"positive","sentiment_score":0.5010891556739807},{"text":"Okay.","start_word":3338,"end_word":3338,"sentiment":"neutral","sentiment_score":0.31033116579055786},{"text":"So let me know how you go with with it.","start_word":3339,"end_word":3348,"sentiment":"positive","sentiment_score":0.3457351624965668},{"text":"If you have any issues, I can stay on the phone if you would like just to make sure it all gets done. So I know. Yep. It should just be the one signature in this document. And it should just ask you to draw a little signature, and it often adds the date automatically. Yep. I already done the signature on that one.","start_word":3349,"end_word":3412,"sentiment":"neutral","sentiment_score":0.22150669409893453},{"text":"Okay. Perfect.","start_word":3413,"end_word":3414,"sentiment":"positive","sentiment_score":0.4856740534305573},{"text":"And does it say in the corner validate? Can you see a button where it says validate? Nope. No? Start? It it said next document. I went to the financial services, sir. Okay. And is there a signature there? There shouldn't be. Nope. Next document. No. Yes. Validate.","start_word":3415,"end_word":3462,"sentiment":"neutral","sentiment_score":0.012416926212608814},{"text":"Oh, beautiful.","start_word":3463,"end_word":3464,"sentiment":"positive","sentiment_score":0.5595903396606445},{"text":"Yeah. So the financial services guide is the same one we had during the annual review for you. Just another copy if you wanted to have a read over it.","start_word":3465,"end_word":3494,"sentiment":"neutral","sentiment_score":0.277168869972229},{"text":"And then, yes, when you press validate, it will then send it all back to me, and I will get that all uploaded and sorted for you and go ahead and make those little investment changes.","start_word":3495,"end_word":3530,"sentiment":"positive","sentiment_score":0.3458273410797119},{"text":"Now let me see if I can just refresh to make sure that's all done. Do you have much planned for the rest of the day? I'm gonna go and clean up. Still haven't Oh, had yeah. a shower for Fun. work yet. Yeah. Oh, yeah. Well, let me see. Does it say this is loading on your end at all, Steven? Or what is what can you see? Loading. Loading. Yeah. Sometimes I mean, I mean, Goldman it has to catch up takes with the rest of the world. a minute. Yeah. Oh, sometimes I swear to technology is great when it works, but then when it takes a minute, it can be a bit That's that's the trouble other people assume, and it just works straight away, but it doesn't. frustrating. Yeah. No. It comes on take a minute.","start_word":3531,"end_word":3671,"sentiment":"neutral","sentiment_score":0.018954036757349968},{"text":"But I can actually see just now that came through on my end, which is great.","start_word":3672,"end_word":3687,"sentiment":"positive","sentiment_score":0.3677913248538971},{"text":"So it didn't Yep. take too too long. Now like I said, Steven, the document is always there for you to have a read. So if you ever wanna go back when you have a bit more time or you wanna look at it, you just click back into that link. It's all there for you. If you have any issues, sorry, you can always just give me a call, and, we can always email you a copy as well. Okay then. Yeah.","start_word":3688,"end_word":3770,"sentiment":"neutral","sentiment_score":0.15181345178420286},{"text":"Beautiful. But that was essentially everything that I needed to go over with you today.","start_word":3771,"end_word":3785,"sentiment":"positive","sentiment_score":0.471703588962555},{"text":"Do you have any questions for me before I let you go and get on with your afternoon?","start_word":3786,"end_word":3803,"sentiment":"neutral","sentiment_score":0.1546269953250885},{"text":"Thank you.","start_word":3804,"end_word":3805,"sentiment":"positive","sentiment_score":0.4986226260662079},{"text":"That was all. No? Okay.","start_word":3806,"end_word":3810,"sentiment":"neutral","sentiment_score":0.19310897588729856},{"text":"Beautiful. Well, thank you so much for your time this afternoon, Steven, and I hope you enjoy the rest of your day. You too. Thank you.","start_word":3811,"end_word":3836,"sentiment":"positive","sentiment_score":0.7236993908882141},{"text":"Mhmm.","start_word":3837,"end_word":3837,"sentiment":"neutral","sentiment_score":0.24216660857200625},{"text":"See you later. Beautiful. Thanks. Bye.","start_word":3838,"end_word":3843,"sentiment":"positive","sentiment_score":0.5309761762619019}],"average":{"sentiment":"neutral","sentiment_score":0.1932355376865953}}}}