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It won't take too long today because it's pretty straightforward and especially because you were listening to to Matthew as well. I can make it a little bit quicker for you. Now what I have done is I've just sent you an email with the recommendation. But, obviously, if you're driving, please don't access it at the moment because it wouldn't be safe to do so. And then, obviously okay. Oh, okay. Beautiful. If you could access that for me, that that would be good. And I'll try to make it quick just so you don't have to wait for too long. Perfect. Perfect. Now just before I do go any further, just as per usual, just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. Perfect. And even though I can hear it's you, can I just get you to confirm full name, date of birth, and address, please? Yep. Beautiful. Now can you see that cover page for me, Jane, where it says statement of advice? Yeah. Perfect. So, obviously, similar to Matthew, every time we do make a recommendation on any financial products and make tailored financial advice, We have to put everything in a statement of advice for you just to make sure that you fully understand everything. A lot of it is just the compliance, and today is pretty straightforward. So I'll just go through, obviously, the main points, and then you always have access to how to re have a read over everything as well if you do have any questions, but it is pretty straightforward to me. Yep. Now on the cover page, you will see my details listed. You will see my authorized representative number, and I am a licensed under OQ Financial. You see all our contact details on where we are located if you're ever in the area and wanna stop by. That's all there for you. Now on the second page, it talks about that best interest duty, which basically means that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation. Does that make sense, Jay? Yep. Perfect. Now what I will get you to do is just to kind of scroll through for me. You will see table of content. Pretty self explanatory. You will then get through where it says scope of advice. Can you see that? Yep. Perfect. Basically, what this means is just the areas we are looking at today. So, basically, just reviewing your superannuation just to make sure everything is structured appropriately for you and having a look at those investments if we wanted to make any tweaks and changes to anything to put you in a better position. Otherwise, we are not making any changes to insurances or or anything else. It is mainly just focusing on that superannuation today. Yep. Perfect. Now if you can scroll for me down through page nine. It should say your risk profile. Yep. I see. And the pages you kind of just scroll through is just just kind of what we touched on doing the annual review. This shows your insurance again with Clearview and just, like, your assets and a bit about you. That was basically what you scrolled through. But for the risk profile, it does talk about how you are currently invested because you do have plenty of time until retirement and are kind of comfortable seeing a bit of those short term volatility in order to try to grow that super as much as possible. We are maintaining that high growth portfolio for you for the for the time being anyway in order to try to maximize that growth for you. So not making any changes to your risk tolerance, maintaining that high growth. Now if you can scroll for me down to page see here. 19. Yep. It should be a table where it says fee comparison. Yep. Perfect. Now, basically, what you scroll through is just kind of outlining the recommendation in words for you of why the recommendation does align with that best interest duty. Also, advantages. With the recommendation, some risks and disadvantages to be mindful of, but I often find that seeing this in front of you is kind of the easiest way sometimes to look at it, which kind of summarizes those pages that you did scroll through. Basically, what you can see, you can see your current situation. Can you see that column where it says current? Yep. Perfect. Which shows you your current super balance. It also shows you the fees associated. So admin fees would have 24 investment fees with your investments, adviser fees, and contributions from your employer as well as well as those insurances. Now it then shows us the total cost, and then you can also see your high growth return. So what we do like to use is the five year rolling average. So it's using a five year period, averaging it that out to give us a yearly kind of average. The reason we do that is because it gives us more certainty of what has happened in the market and the portfolio than if we just used a single twelve month period. Because depending on when we just used twelve months, it would have looked like you've won the lottery, whereas other years wouldn't have been as good. So giving, like, a longer period of time and averaging it out, it just gives us a little bit more certainty. Does that make sense? Yeah. Perfect. So it still shows that your current portfolio hasn't done too bad. But with the recommended, it has performed a little bit better, which is good, which you can see in the column next to it. Now it's not making drastic changes. It's just a couple of changes, which I will go through with the investment. But just by making those minor changes, it still makes a difference of about 1.72%, which with compounding does make a pretty big difference. Yep. Now the other thing to to note is that with changing the investments, it is making things a bit cheaper for you. So you can see that the difference is about $329 per year, and that is simply just reducing the investment fees. So no other changes, just reducing those investment fees, which is nice. Yep. Now the good thing with the investments we have changed for you as well is that at the time we did all the calculations, things can change slightly on a daily because, obviously, prices of investments do go up and down. But there is estimated to be no capital gains tax with making the change, which again is a really good thing. Yep. Perfect. Now, obviously, something to be mindful of is that there is always a level of risk associated with any investment option, but that is why we do use that five year rolling average to provide us with a little bit more certainty. But, obviously, there's no guarantee on performance of what is happening in the world or in the market. Yep. Perfect. Now what I have also included also included here for you is that government co contribution. And I have put a reminder to kind of touch base with you about June, beginning of June, just to just as a little reminder. Yes. No. That's all good, which does make a pretty big difference. And if you actually want to scroll up for me through page 16, it does show you kind of that government co contribution. Because you've already done it, you will be pretty familiar with it, but it is a very good tax tax effective way for, like, low and middle income earners because you basically if you're putting in that thousand dollars, the government will contribute 500, which which is really good. Obviously, the things to be mindful of is that if your income exponentially goes up, you might not be eligible for it. So with the lower income threshold for this financial year, it went up a little bit. So to get the full 500, the the limit is 49,293. And if you do between 49 and 64, you can get a a partial benefit, just not the full. So, obviously, that is something to be mindful of. But if you do it kind of at the end of the financial year as well, you'll have a probably better understanding of, well, are you under the threat threshold or not? So it's always something that can change. But it is a very good incentive otherwise. Perfect. Obviously, something to be mindful of by putting a thousand dollars into super. Obviously, it does reduce your savings or your cash flow, and it is locked in until you meet that condition of release. Yep. Yep. Great. Perfect. Yeah. No. That's so good. And it's great that you have because, yeah, it is a fantastic scheme that they have because the percentage of what the government puts in against what you put in is very high, and you can't really get that with any other schemes. I'm sorry. It's very good. Now if you could scroll down to for me again to page 19, at the bottom of that page, you should see kind of a different lump sum five and ten years. Can you see that? Yep. Perfect. And it does show you by just putting in that thousand dollars a year, improving the returns a little bit and reducing those fees, everything does compound. God bless you. And it still makes a pretty big more Perfect. Now the following page for me, Jane, you will then see a little bit more in regards to those returns. You can see twelve month, three years, five years, and ten years. And you can see as well that across the twelve, three, and five, the recommended has outperformed. Ten years is very kind of similar, but, obviously, historically, it doesn't always reflect what's going to happen in the future. So looking a bit shorter term, then the recommended has definitely, outperformed, which is great. Yep. Perfect. Now what that actually looks like in terms of the change is the following page, so page 21. Yep. So this one can look a little bit messy, but it is pretty straightforward. So first, you have the first column is the name of the investments. You have the kind of special special little card. You have a percentage of how much you currently have in each investment, what that correlates through in a dollar value, and then you have the buy and sell. So, basically, the only full change that we are doing is just two investments. Now one of them is the top one where it says the Benelon Australian equity. We are completely selling out of that one. That one was that one that was underperforming a little bit for you. And what we have done instead is then introducing the BetaShares Australia two hundred, which is the second one from the bottom. Bottom. Can you see that? Yep. So, basically, because we are swapping one Australian investment, we wanted to make sure you still have exposure to the Australian market, just a different type of investment that's doing a little bit better for you and a little bit cheaper. Now the good thing with the BetaShares Australia two hundred is that it is a bit more diversified in that it does contain the 200 largest companies listed in Australia. So very diversified. As the company grows and gets bigger, it gets added to the 200 and something smaller falls out. So because of that, it will be a little bit smoother than the Benelon, which they are kind of actively buying and selling different investments in order to try to outperform the market. Does that make sense? Yeah. Beautiful. The other investment we are just changing you out of is your one of your defensive investments, and that is the BetaShares Australia Bank Hybrid, which is the third one from the top. They are gradually phasing that investment out. So it's just swapping that investment through the one at the bottom, which is called the iShares core composite bond, which is just like your defensive fixed interest. Again, it's just kind of swapping for something similar through to kind of stabilize that portfolio. The rest of the changes of the rest that's highlighted in red and in black, it is just rebalancing your portfolio. So, basically, rebalancing. So it is maintaining those investments. It is just kind of shifting the percentage back into alignment. So, for example, if you look at the second one from the top, you can see that your current rate is 7.99%. The target weight is seven. So it is keeping those investments. It is just rebalancing. Because, basically, over time, different investments do perform differently, which can cause your portfolio to kind of drift away a bit from its intended asset allocation. So, basically, rebalancing, it just involves buying and selling a little bit where it is appropriate to do so to kind of restore everything back into alignment. And by doing that, it basically just ensures that your investments continue to align with your agreed risk profile, your objectives, and everything like that rather than becoming kind of unintentionally more or less risky than intended with market fluctuations. Does that make sense, Jane? Yeah. Okay. Beautiful. Do you have any questions so far, or is that pretty straightforward? Nah. Yep. Perfect. Now on the next page, you can see a cash account table. Can you see that? Yep. Perfect. Now with hub twenty four, they do have a minimum of 1.25% that needs to be in cash, and that is just to have enough to cover, you know, any fees or anything associated with the account. And we wanna keep that as close as possible through the the minimum 1.25 because having more money sitting in cash is not gonna go as much as obviously being invested. So it's just kind of bringing everything back through about 1.25 target as well. But, obviously, it does shift a little bit when you do have contributions getting in, but it will be rebalanced throughout the month as well. Yep. Perfect. Now when it then comes to the asset allocation, that is page 23. You should see a little pie chart and another table. Yep. Perfect. So what you see here is the second column says risk profile percentage. That is usually what we are aiming for in a high growth portfolio. 90% in those growth investments, 10% in a defensive. Now if you look at the column next to it, you can see your existing. So at the moment, you have about 92.52 in growth, about seven point four eight in defensive. So still aligning with your risk profile. And the proposed is about 91.84 in growth and defensive 8.16. Again, both does align with risk profile, but, obviously, slightly less in growth, slightly more in defensive, which is, again, is really good that you have saved in fees and improved their performance while not taking on any more risks. Yep. Perfect. Now that basically summarizes everything and takes us to the end. The the last thing I do wanna mention is on page 26 when it comes to remuneration. So like I mentioned during the annual review, and because, obviously, Matthew is a client, you guys are on that reduced couple fee of 1.1% instead of that 1.65, making it a little bit cheaper for you. No changes in regards to that. That stays exactly the same. And if you are happy to go ahead with the recommendation, there is no additional fees or charges for that. It is all just part of that ongoing service. Yep. Perfect. The last thing we do always just let you know as well is when it comes to insurances, so we do get commissions from the insurer, insurer, which is 22% of the premium ongoing. But that is clear view to the insurer paying us. It is not you paying us. It's the same for every single insurer out there, so it does not sway us in any way to recommend one provider over the other. But for compliances, we have to disclose any commissions we receive so that you are fully aware. Does that make sense? Yep. Perfect. Which basically takes us to the end. It then summarizes what the recommendation is, which is to maintain your hub 24. It's still doing really well for you. Just change those two investments, rebalance your portfolio a little bit, and then make that government co contribution at the end of their financial year as well. Perfect. Do you have any questions in regards through any of that, or what are your thoughts? That's all good? Okay. Perfect. So, basically, from here is if you wanted to take some time to have a read over it, you are more than welcome to do so. But if you are happy to go ahead to move forward, it would just be to add a little signature at the bottom there. Just the date and signature, and then it will automatically send it back to me. And that tells me that you are happy with the recommendation, and I will let the team know to go ahead and make that change for you. Yep. Beautiful. Yep. I can see that just came through, which is nice and fast. You have an hour technology sometimes, so that has all all come through. Now do you have any questions for me before I let you go and get on with your day otherwise, Jane? No. Okay. Beautiful. Well, thank you so much for your time this morning. If there is anything that either you or Matthew need at any point in time, don't hesitate to give me a call. No worries. We'll speak soon. Okay. Bye. 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morning. Is this Jane? Good. It's Veronica from ICU Financial. Good.\n\nHow are you? That's all good. Do you still have time to talk to me? Yes. No.\n\nGood. It won't take too long today because it's pretty straightforward and especially because you were listening to to Matthew as well. I can make it a little bit quicker for you. Now what I have done is I've just sent you an email with the recommendation. But, obviously, if you're driving, please don't access it at the moment because it wouldn't be safe to do so.\n\nAnd then, obviously okay. Oh, okay. Beautiful. If you could access that for me, that that would be good. And I'll try to make it quick just so you don't have to wait for too long.\n\nPerfect. Perfect. Now just before I do go any further, just as per usual, just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. Perfect.\n\nAnd even though I can hear it's you, can I just get you to confirm full name, date of birth, and address, please? Yep. Beautiful. Now can you see that cover page for me, Jane, where it says statement of advice? Yeah.\n\nPerfect. So, obviously, similar to Matthew, every time we do make a recommendation on any financial products and make tailored financial advice, We have to put everything in a statement of advice for you just to make sure that you fully understand everything. A lot of it is just the compliance, and today is pretty straightforward. So I'll just go through, obviously, the main points, and then you always have access to how to re have a read over everything as well if you do have any questions, but it is pretty straightforward to me. Yep.\n\nNow on the cover page, you will see my details listed. You will see my authorized representative number, and I am a licensed under OQ Financial. You see all our contact details on where we are located if you're ever in the area and wanna stop by. That's all there for you. Now on the second page, it talks about that best interest duty, which basically means that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice.\n\nOtherwise, we can't actually make the recommendation. Does that make sense, Jay? Yep. Perfect. Now what I will get you to do is just to kind of scroll through for me.\n\nYou will see table of content. Pretty self explanatory. You will then get through where it says scope of advice. Can you see that? Yep.\n\nPerfect. Basically, what this means is just the areas we are looking at today. So, basically, just reviewing your superannuation just to make sure everything is structured appropriately for you and having a look at those investments if we wanted to make any tweaks and changes to anything to put you in a better position. Otherwise, we are not making any changes to insurances or or anything else. It is mainly just focusing on that superannuation today.\n\nYep. Perfect. Now if you can scroll for me down through page nine. It should say your risk profile. Yep.\n\nI see. And the pages you kind of just scroll through is just just kind of what we touched on doing the annual review. This shows your insurance again with Clearview and just, like, your assets and a bit about you. That was basically what you scrolled through. But for the risk profile, it does talk about how you are currently invested because you do have plenty of time until retirement and are kind of comfortable seeing a bit of those short term volatility in order to try to grow that super as much as possible.\n\nWe are maintaining that high growth portfolio for you for the for the time being anyway in order to try to maximize that growth for you. So not making any changes to your risk tolerance, maintaining that high growth. Now if you can scroll for me down to page see here. 19. Yep.\n\nIt should be a table where it says fee comparison. Yep. Perfect. Now, basically, what you scroll through is just kind of outlining the recommendation in words for you of why the recommendation does align with that best interest duty. Also, advantages.\n\nWith the recommendation, some risks and disadvantages to be mindful of, but I often find that seeing this in front of you is kind of the easiest way sometimes to look at it, which kind of summarizes those pages that you did scroll through. Basically, what you can see, you can see your current situation. Can you see that column where it says current? Yep. Perfect.\n\nWhich shows you your current super balance. It also shows you the fees associated. So admin fees would have 24 investment fees with your investments, adviser fees, and contributions from your employer as well as well as those insurances. Now it then shows us the total cost, and then you can also see your high growth return. So what we do like to use is the five year rolling average.\n\nSo it's using a five year period, averaging it that out to give us a yearly kind of average. The reason we do that is because it gives us more certainty of what has happened in the market and the portfolio than if we just used a single twelve month period. Because depending on when we just used twelve months, it would have looked like you've won the lottery, whereas other years wouldn't have been as good. So giving, like, a longer period of time and averaging it out, it just gives us a little bit more certainty. Does that make sense?\n\nYeah. Perfect. So it still shows that your current portfolio hasn't done too bad. But with the recommended, it has performed a little bit better, which is good, which you can see in the column next to it. Now it's not making drastic changes.\n\nIt's just a couple of changes, which I will go through with the investment. But just by making those minor changes, it still makes a difference of about 1.72%, which with compounding does make a pretty big difference. Yep. Now the other thing to to note is that with changing the investments, it is making things a bit cheaper for you. So you can see that the difference is about $329 per year, and that is simply just reducing the investment fees.\n\nSo no other changes, just reducing those investment fees, which is nice. Yep. Now the good thing with the investments we have changed for you as well is that at the time we did all the calculations, things can change slightly on a daily because, obviously, prices of investments do go up and down. But there is estimated to be no capital gains tax with making the change, which again is a really good thing. Yep.\n\nPerfect. Now, obviously, something to be mindful of is that there is always a level of risk associated with any investment option, but that is why we do use that five year rolling average to provide us with a little bit more certainty. But, obviously, there's no guarantee on performance of what is happening in the world or in the market. Yep. Perfect.\n\nNow what I have also included also included here for you is that government co contribution. And I have put a reminder to kind of touch base with you about June, beginning of June, just to just as a little reminder. Yes. No. That's all good, which does make a pretty big difference.\n\nAnd if you actually want to scroll up for me through page 16, it does show you kind of that government co contribution. Because you've already done it, you will be pretty familiar with it, but it is a very good tax tax effective way for, like, low and middle income earners because you basically if you're putting in that thousand dollars, the government will contribute 500, which which is really good. Obviously, the things to be mindful of is that if your income exponentially goes up, you might not be eligible for it. So with the lower income threshold for this financial year, it went up a little bit. So to get the full 500, the the limit is 49,293.\n\nAnd if you do between 49 and 64, you can get a a partial benefit, just not the full. So, obviously, that is something to be mindful of. But if you do it kind of at the end of the financial year as well, you'll have a probably better understanding of, well, are you under the threat threshold or not? So it's always something that can change. But it is a very good incentive otherwise.\n\nPerfect. Obviously, something to be mindful of by putting a thousand dollars into super. Obviously, it does reduce your savings or your cash flow, and it is locked in until you meet that condition of release. Yep. Yep.\n\nGreat. Perfect. Yeah. No. That's so good.\n\nAnd it's great that you have because, yeah, it is a fantastic scheme that they have because the percentage of what the government puts in against what you put in is very high, and you can't really get that with any other schemes. I'm sorry. It's very good. Now if you could scroll down to for me again to page 19, at the bottom of that page, you should see kind of a different lump sum five and ten years. Can you see that?\n\nYep. Perfect. And it does show you by just putting in that thousand dollars a year, improving the returns a little bit and reducing those fees, everything does compound. God bless you. And it still makes a pretty big more Perfect.\n\nNow the following page for me, Jane, you will then see a little bit more in regards to those returns. You can see twelve month, three years, five years, and ten years. And you can see as well that across the twelve, three, and five, the recommended has outperformed. Ten years is very kind of similar, but, obviously, historically, it doesn't always reflect what's going to happen in the future. So looking a bit shorter term, then the recommended has definitely, outperformed, which is great.\n\nYep. Perfect. Now what that actually looks like in terms of the change is the following page, so page 21. Yep. So this one can look a little bit messy, but it is pretty straightforward.\n\nSo first, you have the first column is the name of the investments. You have the kind of special special little card. You have a percentage of how much you currently have in each investment, what that correlates through in a dollar value, and then you have the buy and sell. So, basically, the only full change that we are doing is just two investments. Now one of them is the top one where it says the Benelon Australian equity.\n\nWe are completely selling out of that one. That one was that one that was underperforming a little bit for you. And what we have done instead is then introducing the BetaShares Australia two hundred, which is the second one from the bottom. Bottom. Can you see that?\n\nYep. So, basically, because we are swapping one Australian investment, we wanted to make sure you still have exposure to the Australian market, just a different type of investment that's doing a little bit better for you and a little bit cheaper. Now the good thing with the BetaShares Australia two hundred is that it is a bit more diversified in that it does contain the 200 largest companies listed in Australia. So very diversified. As the company grows and gets bigger, it gets added to the 200 and something smaller falls out.\n\nSo because of that, it will be a little bit smoother than the Benelon, which they are kind of actively buying and selling different investments in order to try to outperform the market. Does that make sense? Yeah. Beautiful. The other investment we are just changing you out of is your one of your defensive investments, and that is the BetaShares Australia Bank Hybrid, which is the third one from the top.\n\nThey are gradually phasing that investment out. So it's just swapping that investment through the one at the bottom, which is called the iShares core composite bond, which is just like your defensive fixed interest. Again, it's just kind of swapping for something similar through to kind of stabilize that portfolio. The rest of the changes of the rest that's highlighted in red and in black, it is just rebalancing your portfolio. So, basically, rebalancing.\n\nSo it is maintaining those investments. It is just kind of shifting the percentage back into alignment. So, for example, if you look at the second one from the top, you can see that your current rate is 7.99%. The target weight is seven. So it is keeping those investments.\n\nIt is just rebalancing. Because, basically, over time, different investments do perform differently, which can cause your portfolio to kind of drift away a bit from its intended asset allocation. So, basically, rebalancing, it just involves buying and selling a little bit where it is appropriate to do so to kind of restore everything back into alignment. And by doing that, it basically just ensures that your investments continue to align with your agreed risk profile, your objectives, and everything like that rather than becoming kind of unintentionally more or less risky than intended with market fluctuations. Does that make sense, Jane?\n\nYeah. Okay. Beautiful. Do you have any questions so far, or is that pretty straightforward? Nah.\n\nYep. Perfect. Now on the next page, you can see a cash account table. Can you see that? Yep.\n\nPerfect. Now with hub twenty four, they do have a minimum of 1.25% that needs to be in cash, and that is just to have enough to cover, you know, any fees or anything associated with the account. And we wanna keep that as close as possible through the the minimum 1.25 because having more money sitting in cash is not gonna go as much as obviously being invested. So it's just kind of bringing everything back through about 1.25 target as well. But, obviously, it does shift a little bit when you do have contributions getting in, but it will be rebalanced throughout the month as well.\n\nYep. Perfect. Now when it then comes to the asset allocation, that is page 23. You should see a little pie chart and another table. Yep.\n\nPerfect. So what you see here is the second column says risk profile percentage. That is usually what we are aiming for in a high growth portfolio. 90% in those growth investments, 10% in a defensive. Now if you look at the column next to it, you can see your existing.\n\nSo at the moment, you have about 92.52 in growth, about seven point four eight in defensive. So still aligning with your risk profile. And the proposed is about 91.84 in growth and defensive 8.16. Again, both does align with risk profile, but, obviously, slightly less in growth, slightly more in defensive, which is, again, is really good that you have saved in fees and improved their performance while not taking on any more risks. Yep.\n\nPerfect. Now that basically summarizes everything and takes us to the end. The the last thing I do wanna mention is on page 26 when it comes to remuneration. So like I mentioned during the annual review, and because, obviously, Matthew is a client, you guys are on that reduced couple fee of 1.1% instead of that 1.65, making it a little bit cheaper for you. No changes in regards to that.\n\nThat stays exactly the same. And if you are happy to go ahead with the recommendation, there is no additional fees or charges for that. It is all just part of that ongoing service. Yep. Perfect.\n\nThe last thing we do always just let you know as well is when it comes to insurances, so we do get commissions from the insurer, insurer, which is 22% of the premium ongoing. But that is clear view to the insurer paying us. It is not you paying us. It's the same for every single insurer out there, so it does not sway us in any way to recommend one provider over the other. But for compliances, we have to disclose any commissions we receive so that you are fully aware.\n\nDoes that make sense? Yep. Perfect. Which basically takes us to the end. It then summarizes what the recommendation is, which is to maintain your hub 24.\n\nIt's still doing really well for you. Just change those two investments, rebalance your portfolio a little bit, and then make that government co contribution at the end of their financial year as well. Perfect. Do you have any questions in regards through any of that, or what are your thoughts? That's all good?\n\nOkay. Perfect. So, basically, from here is if you wanted to take some time to have a read over it, you are more than welcome to do so. But if you are happy to go ahead to move forward, it would just be to add a little signature at the bottom there. Just the date and signature, and then it will automatically send it back to me.\n\nAnd that tells me that you are happy with the recommendation, and I will let the team know to go ahead and make that change for you. Yep. Beautiful. Yep. I can see that just came through, which is nice and fast.\n\nYou have an hour technology sometimes, so that has all all come through. Now do you have any questions for me before I let you go and get on with your day otherwise, Jane? No. Okay. Beautiful.\n\nWell, thank you so much for your time this morning. If there is anything that either you or Matthew need at any point in time, don't hesitate to give me a call. No worries. We'll speak soon. Okay.\n\nBye. Bye.","paragraphs":[{"sentences":[{"text":"Good morning.","start":2.08,"end":2.6399999,"sentiment":"positive","sentiment_score":0.35595355927944183},{"text":"Is this Jane?","start":2.6399999,"end":3.62,"sentiment":"neutral","sentiment_score":0.2202061116695404},{"text":"Good.","start":5.6,"end":6.0,"sentiment":"positive","sentiment_score":0.5199961066246033},{"text":"It's Veronica from ICU Financial.","start":6.0,"end":8.1,"sentiment":"positive","sentiment_score":0.3454513132572174},{"text":"Good.","start":10.8,"end":11.12,"sentiment":"neutral","sentiment_score":0.2918853163719177}],"sentiment":"neutral","sentiment_score":0.32597195357084274,"num_words":12,"start":2.08,"end":11.12},{"sentences":[{"text":"How are you?","start":11.12,"end":12.015,"sentiment":"neutral","sentiment_score":0.0839191476504008},{"text":"That's all good.","start":14.095,"end":14.975,"sentiment":"positive","sentiment_score":0.5800263484319051},{"text":"Do you still have time to talk to me?","start":14.975,"end":17.155,"sentiment":"neutral","sentiment_score":0.12436852686935002},{"text":"Yes.","start":19.215,"end":19.715,"sentiment":"neutral","sentiment_score":0.062154076993465424},{"text":"No.","start":23.295,"end":23.615,"sentiment":"neutral","sentiment_score":0.10549776256084442}],"sentiment":"neutral","sentiment_score":0.19287088644855163,"num_words":17,"start":11.12,"end":23.615},{"sentences":[{"text":"Good.","start":23.615,"end":23.935001,"sentiment":"neutral","sentiment_score":0.28286081552505493},{"text":"It won't take too long today because it's pretty straightforward and especially because you were listening to to Matthew as well.","start":23.935001,"end":30.52,"sentiment":"neutral","sentiment_score":0.2829072894085021},{"text":"I can make it a little bit quicker for you.","start":31.539999,"end":35.0,"sentiment":"neutral","sentiment_score":0.2032627731561661},{"text":"Now what I have done is I've just sent you an email with the recommendation.","start":36.579998,"end":41.795,"sentiment":"neutral","sentiment_score":0.027043752620617548},{"text":"But, obviously, if you're driving, please don't access it at the moment because it wouldn't be safe to do so.","start":42.015,"end":47.475,"sentiment":"neutral","sentiment_score":-0.1576039209961891}],"sentiment":"neutral","sentiment_score":0.0822405894634439,"num_words":67,"start":23.615,"end":47.475},{"sentences":[{"text":"And then, obviously okay.","start":47.614998,"end":51.155,"sentiment":"neutral","sentiment_score":0.01426039868965745},{"text":"Oh, okay.","start":52.574997,"end":53.214996,"sentiment":"neutral","sentiment_score":0.13939905166625977},{"text":"Beautiful.","start":53.214996,"end":53.714996,"sentiment":"positive","sentiment_score":0.4214210510253906},{"text":"If you could access that for me, that that would be good.","start":55.17,"end":57.89,"sentiment":"neutral","sentiment_score":0.1666615679860115},{"text":"And I'll try to make it quick just so you don't have to wait for too long.","start":57.89,"end":61.43,"sentiment":"neutral","sentiment_score":0.08571293380330591}],"sentiment":"neutral","sentiment_score":0.1170644288779133,"num_words":36,"start":47.614998,"end":61.43},{"sentences":[{"text":"Perfect.","start":64.85,"end":65.35,"sentiment":"neutral","sentiment_score":0.3066115975379944},{"text":"Perfect.","start":67.09,"end":67.59,"sentiment":"positive","sentiment_score":0.423021137714386},{"text":"Now just before I do go any further, just as per usual, just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":67.89,"end":76.845,"sentiment":"neutral","sentiment_score":0.0883657718077302},{"text":"Yep.","start":78.66499,"end":79.064995,"sentiment":"neutral","sentiment_score":0.02241486124694347},{"text":"Perfect.","start":79.064995,"end":79.564995,"sentiment":"neutral","sentiment_score":0.2078781425952911}],"sentiment":"neutral","sentiment_score":0.10521195658172171,"num_words":36,"start":64.85,"end":79.564995},{"sentences":[{"text":"And even though I can hear it's you, can I just get you to confirm full name, date of birth, and address, please?","start":79.945,"end":92.12,"sentiment":"neutral","sentiment_score":0.05274794882406359},{"text":"Yep.","start":93.78,"end":94.28,"sentiment":"neutral","sentiment_score":0.06734035909175873},{"text":"Beautiful.","start":94.42,"end":94.92,"sentiment":"neutral","sentiment_score":0.31863313913345337},{"text":"Now can you see that cover page for me, Jane, where it says statement of advice?","start":95.619995,"end":100.715,"sentiment":"neutral","sentiment_score":0.04101942654233426},{"text":"Yeah.","start":100.715,"end":101.034996,"sentiment":"neutral","sentiment_score":0.07026952505111694}],"sentiment":"neutral","sentiment_score":0.05537515883112237,"num_words":42,"start":79.945,"end":101.034996},{"sentences":[{"text":"Perfect.","start":101.034996,"end":101.534996,"sentiment":"neutral","sentiment_score":0.2135739624500275},{"text":"So, obviously, similar to Matthew, every time we do make a recommendation on any financial products and make tailored financial advice, We have to put everything in a statement of advice for you just to make sure that you fully understand everything.","start":102.075,"end":116.75,"sentiment":"neutral","sentiment_score":0.09743364421384675},{"text":"A lot of it is just the compliance, and today is pretty straightforward.","start":116.81,"end":120.509995,"sentiment":"positive","sentiment_score":0.4899409871834975},{"text":"So I'll just go through, obviously, the main points, and then you always have access to how to re have a read over everything as well if you do have any questions, but it is pretty straightforward to me.","start":121.13,"end":130.185,"sentiment":"neutral","sentiment_score":0.2565021193944491},{"text":"Yep.","start":130.645,"end":131.145,"sentiment":"neutral","sentiment_score":0.16482329368591309}],"sentiment":"neutral","sentiment_score":0.21711901878006756,"num_words":96,"start":101.034996,"end":131.145},{"sentences":[{"text":"Now on the cover page, you will see my details listed.","start":131.605,"end":135.44499,"sentiment":"neutral","sentiment_score":0.06231409785422412},{"text":"You will see my authorized representative number, and I am a licensed under OQ Financial.","start":135.44499,"end":141.06,"sentiment":"neutral","sentiment_score":0.152614156405131},{"text":"You see all our contact details on where we are located if you're ever in the area and wanna stop by.","start":141.2,"end":146.5,"sentiment":"neutral","sentiment_score":0.18348733087380728},{"text":"That's all there for you.","start":146.95999,"end":148.5,"sentiment":"neutral","sentiment_score":0.29966657757759096},{"text":"Now on the second page, it talks about that best interest duty, which basically means that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice.","start":150.795,"end":166.15,"sentiment":"neutral","sentiment_score":0.09911376966370476}],"sentiment":"neutral","sentiment_score":0.13181808137709333,"num_words":97,"start":131.605,"end":166.15},{"sentences":[{"text":"Otherwise, we can't actually make the recommendation.","start":166.15,"end":168.48999,"sentiment":"neutral","sentiment_score":-0.1482353891645159},{"text":"Does that make sense, Jay?","start":168.79,"end":170.09,"sentiment":"neutral","sentiment_score":0.05955555364489555},{"text":"Yep.","start":171.59,"end":172.09,"sentiment":"neutral","sentiment_score":0.17053478956222534},{"text":"Perfect.","start":172.15,"end":172.65,"sentiment":"positive","sentiment_score":0.43703457713127136},{"text":"Now what I will get you to do is just to kind of scroll through for me.","start":173.11,"end":176.87,"sentiment":"neutral","sentiment_score":0.1823720633983612}],"sentiment":"neutral","sentiment_score":0.09574272543672592,"num_words":31,"start":166.15,"end":176.87},{"sentences":[{"text":"You will see table of content.","start":176.87,"end":178.545,"sentiment":"neutral","sentiment_score":0.12472472091515859},{"text":"Pretty self explanatory.","start":178.685,"end":179.825,"sentiment":"neutral","sentiment_score":0.24907654523849487},{"text":"You will then get through where it says scope of advice.","start":180.925,"end":184.52501,"sentiment":"neutral","sentiment_score":0.0968353816054084},{"text":"Can you see that?","start":184.52501,"end":185.66501,"sentiment":"neutral","sentiment_score":0.04531145840883255},{"text":"Yep.","start":186.285,"end":186.765,"sentiment":"neutral","sentiment_score":0.14463433623313904}],"sentiment":"neutral","sentiment_score":0.11546589314937591,"num_words":25,"start":176.87,"end":186.765},{"sentences":[{"text":"Perfect.","start":186.765,"end":187.265,"sentiment":"positive","sentiment_score":0.3624747395515442},{"text":"Basically, what this means is just the areas we are looking at today.","start":187.80501,"end":191.66501,"sentiment":"neutral","sentiment_score":0.17994847893714905},{"text":"So, basically, just reviewing your superannuation just to make sure everything is structured appropriately for you and having a look at those investments if we wanted to make any tweaks and changes to anything to put you in a better position.","start":192.1,"end":205.8,"sentiment":"neutral","sentiment_score":0.24935077857680438},{"text":"Otherwise, we are not making any changes to insurances or or anything else.","start":206.665,"end":211.065,"sentiment":"neutral","sentiment_score":0.011879834418113414},{"text":"It is mainly just focusing on that superannuation today.","start":211.065,"end":214.125,"sentiment":"neutral","sentiment_score":0.19004948519998127}],"sentiment":"neutral","sentiment_score":0.19207883248855542,"num_words":77,"start":186.765,"end":214.125},{"sentences":[{"text":"Yep.","start":215.865,"end":216.265,"sentiment":"neutral","sentiment_score":0.15541177988052368},{"text":"Perfect.","start":216.265,"end":216.765,"sentiment":"positive","sentiment_score":0.338703453540802},{"text":"Now if you can scroll for me down through page nine.","start":216.825,"end":224.66,"sentiment":"neutral","sentiment_score":0.08172406391663985},{"text":"It should say your risk profile.","start":225.2,"end":228.34,"sentiment":"neutral","sentiment_score":0.051374757662415504},{"text":"Yep.","start":230.16,"end":230.66,"sentiment":"neutral","sentiment_score":0.06177610158920288}],"sentiment":"neutral","sentiment_score":0.08815522920340299,"num_words":20,"start":215.865,"end":230.66},{"sentences":[{"text":"I see.","start":230.8,"end":231.2,"sentiment":"neutral","sentiment_score":0.021686605643481016},{"text":"And the pages you kind of just scroll through is just just kind of what we touched on doing the annual review.","start":231.2,"end":235.6,"sentiment":"neutral","sentiment_score":0.10025194185701283},{"text":"This shows your insurance again with Clearview and just, like, your assets and a bit about you.","start":235.6,"end":241.205,"sentiment":"neutral","sentiment_score":0.14783617810291402},{"text":"That was basically what you scrolled through.","start":241.205,"end":243.365,"sentiment":"neutral","sentiment_score":0.1124557661158698},{"text":"But for the risk profile, it does talk about how you are currently invested because you do have plenty of time until retirement and are kind of comfortable seeing a bit of those short term volatility in order to try to grow that super as much as possible.","start":243.365,"end":259.13,"sentiment":"neutral","sentiment_score":0.19839595343607166}],"sentiment":"neutral","sentiment_score":0.157003407162847,"num_words":96,"start":230.8,"end":259.13},{"sentences":[{"text":"We are maintaining that high growth portfolio for you for the for the time being anyway in order to try to maximize that growth for you.","start":259.59,"end":267.935,"sentiment":"positive","sentiment_score":0.5115267577079626},{"text":"So not making any changes to your risk tolerance, maintaining that high growth.","start":268.315,"end":273.055,"sentiment":"neutral","sentiment_score":0.02012141622029818},{"text":"Now if you can scroll for me down to page see here.","start":274.73,"end":282.75,"sentiment":"neutral","sentiment_score":0.06067964310447375},{"text":"19.","start":285.37003,"end":285.87003,"sentiment":"neutral","sentiment_score":0.02460475265979767},{"text":"Yep.","start":288.41,"end":288.91,"sentiment":"neutral","sentiment_score":0.0433683842420578}],"sentiment":"neutral","sentiment_score":0.27089439557408385,"num_words":53,"start":259.59,"end":288.91},{"sentences":[{"text":"It should be a table where it says fee comparison.","start":289.945,"end":293.165,"sentiment":"neutral","sentiment_score":0.06612744331359863},{"text":"Yep.","start":295.305,"end":295.70502,"sentiment":"neutral","sentiment_score":0.2387443482875824},{"text":"Perfect.","start":295.70502,"end":296.20502,"sentiment":"positive","sentiment_score":0.5525116920471191},{"text":"Now, basically, what you scroll through is just kind of outlining the recommendation in words for you of why the recommendation does align with that best interest duty.","start":296.345,"end":306.72,"sentiment":"neutral","sentiment_score":0.2977215259202889},{"text":"Also, advantages.","start":306.72,"end":307.7,"sentiment":"neutral","sentiment_score":0.16796252131462097}],"sentiment":"neutral","sentiment_score":0.24106329147304809,"num_words":42,"start":289.945,"end":307.7},{"sentences":[{"text":"With the recommendation, some risks and disadvantages to be mindful of, but I often find that seeing this in front of you is kind of the easiest way sometimes to look at it, which kind of summarizes those pages that you did scroll through.","start":308.48,"end":323.065,"sentiment":"neutral","sentiment_score":0.1557518964294683},{"text":"Basically, what you can see, you can see your current situation.","start":323.845,"end":327.065,"sentiment":"neutral","sentiment_score":0.14112886650995773},{"text":"Can you see that column where it says current?","start":327.205,"end":329.145,"sentiment":"neutral","sentiment_score":0.08160744276311663},{"text":"Yep.","start":330.645,"end":331.04498,"sentiment":"neutral","sentiment_score":0.20449864864349365},{"text":"Perfect.","start":331.04498,"end":331.54498,"sentiment":"positive","sentiment_score":0.5141586065292358}],"sentiment":"neutral","sentiment_score":0.14937310931131695,"num_words":66,"start":308.48,"end":331.54498},{"sentences":[{"text":"Which shows you your current super balance.","start":331.75998,"end":333.75998,"sentiment":"neutral","sentiment_score":0.31689061863081797},{"text":"It also shows you the fees associated.","start":333.75998,"end":336.66,"sentiment":"neutral","sentiment_score":0.20893484779766627},{"text":"So admin fees would have 24 investment fees with your investments, adviser fees, and contributions from your employer as well as well as those insurances.","start":336.88,"end":347.865,"sentiment":"neutral","sentiment_score":0.17860110253095626},{"text":"Now it then shows us the total cost, and then you can also see your high growth return.","start":348.965,"end":355.78497,"sentiment":"neutral","sentiment_score":0.1975337920917405},{"text":"So what we do like to use is the five year rolling average.","start":356.56497,"end":361.47,"sentiment":"neutral","sentiment_score":0.2063944534613536}],"sentiment":"neutral","sentiment_score":0.20549345687031745,"num_words":70,"start":331.75998,"end":361.47},{"sentences":[{"text":"So it's using a five year period, averaging it that out to give us a yearly kind of average.","start":361.47,"end":367.25,"sentiment":"neutral","sentiment_score":0.23526231709279513},{"text":"The reason we do that is because it gives us more certainty of what has happened in the market and the portfolio than if we just used a single twelve month period.","start":367.94998,"end":378.875,"sentiment":"neutral","sentiment_score":0.18971122766379267},{"text":"Because depending on when we just used twelve months, it would have looked like you've won the lottery, whereas other years wouldn't have been as good.","start":378.875,"end":387.18,"sentiment":"neutral","sentiment_score":0.012441472651866766},{"text":"So giving, like, a longer period of time and averaging it out, it just gives us a little bit more certainty.","start":387.41998,"end":392.69998,"sentiment":"neutral","sentiment_score":0.23543925512404668},{"text":"Does that make sense?","start":392.69998,"end":393.75998,"sentiment":"neutral","sentiment_score":0.11906480602920055}],"sentiment":"neutral","sentiment_score":0.15965397235955678,"num_words":102,"start":361.47,"end":393.75998},{"sentences":[{"text":"Yeah.","start":395.1,"end":395.41998,"sentiment":"positive","sentiment_score":0.3361189663410187},{"text":"Perfect.","start":395.41998,"end":395.91998,"sentiment":"positive","sentiment_score":0.6155608892440796},{"text":"So it still shows that your current portfolio hasn't done too bad.","start":395.97998,"end":400.23502,"sentiment":"positive","sentiment_score":0.45361115286747616},{"text":"But with the recommended, it has performed a little bit better, which is good, which you can see in the column next to it.","start":400.23502,"end":406.89502,"sentiment":"positive","sentiment_score":0.5676173865795135},{"text":"Now it's not making drastic changes.","start":407.355,"end":409.83502,"sentiment":"neutral","sentiment_score":0.160862285643816}],"sentiment":"positive","sentiment_score":0.4768864700401371,"num_words":44,"start":395.1,"end":409.83502},{"sentences":[{"text":"It's just a couple of changes, which I will go through with the investment.","start":409.83502,"end":413.28,"sentiment":"neutral","sentiment_score":0.18805886592183793},{"text":"But just by making those minor changes, it still makes a difference of about 1.72%, which with compounding does make a pretty big difference.","start":413.9,"end":423.84,"sentiment":"neutral","sentiment_score":0.3206436267743508},{"text":"Yep.","start":425.82,"end":426.32,"sentiment":"neutral","sentiment_score":0.25486743450164795},{"text":"Now the other thing to to note is that with changing the investments, it is making things a bit cheaper for you.","start":426.675,"end":436.195,"sentiment":"positive","sentiment_score":0.38395043327049777},{"text":"So you can see that the difference is about $329 per year, and that is simply just reducing the investment fees.","start":436.195,"end":445.77002,"sentiment":"positive","sentiment_score":0.37264356513818103}],"sentiment":"neutral","sentiment_score":0.3275068658517628,"num_words":82,"start":409.83502,"end":445.77002},{"sentences":[{"text":"So no other changes, just reducing those investment fees, which is nice.","start":446.07,"end":450.17,"sentiment":"positive","sentiment_score":0.42324022327860195},{"text":"Yep.","start":452.15002,"end":452.65002,"sentiment":"neutral","sentiment_score":0.3133069574832916},{"text":"Now the good thing with the investments we have changed for you as well is that at the time we did all the calculations, things can change slightly on a daily because, obviously, prices of investments do go up and down.","start":454.23,"end":467.875,"sentiment":"positive","sentiment_score":0.37246646314132503},{"text":"But there is estimated to be no capital gains tax with making the change, which again is a really good thing.","start":468.25497,"end":475.12,"sentiment":"positive","sentiment_score":0.43039600054423016},{"text":"Yep.","start":476.78,"end":477.26,"sentiment":"neutral","sentiment_score":0.15710397064685822}],"sentiment":"positive","sentiment_score":0.39287808694337545,"num_words":76,"start":446.07,"end":477.26},{"sentences":[{"text":"Perfect.","start":477.26,"end":477.76,"sentiment":"neutral","sentiment_score":0.28323474526405334},{"text":"Now, obviously, something to be mindful of is that there is always a level of risk associated with any investment option, but that is why we do use that five year rolling average to provide us with a little bit more certainty.","start":478.14,"end":490.765,"sentiment":"neutral","sentiment_score":0.08488111579347224},{"text":"But, obviously, there's no guarantee on performance of what is happening in the world or in the market.","start":491.385,"end":496.605,"sentiment":"neutral","sentiment_score":0.015406419458385143},{"text":"Yep.","start":498.265,"end":498.765,"sentiment":"neutral","sentiment_score":0.0995013862848282},{"text":"Perfect.","start":498.825,"end":499.325,"sentiment":"neutral","sentiment_score":0.2791577875614166}],"sentiment":"neutral","sentiment_score":0.07149549734423913,"num_words":63,"start":477.26,"end":499.325},{"sentences":[{"text":"Now what I have also included also included here for you is that government co contribution.","start":499.86502,"end":506.65997,"sentiment":"neutral","sentiment_score":0.1340870396234095},{"text":"And I have put a reminder to kind of touch base with you about June, beginning of June, just to just as a little reminder.","start":507.52,"end":515.62,"sentiment":"neutral","sentiment_score":0.09758057728409768},{"text":"Yes.","start":518.935,"end":519.435,"sentiment":"neutral","sentiment_score":0.1898368149995804},{"text":"No.","start":520.375,"end":520.695,"sentiment":"neutral","sentiment_score":0.104826882481575},{"text":"That's all good, which does make a pretty big difference.","start":520.695,"end":523.815,"sentiment":"positive","sentiment_score":0.48962301313877105}],"sentiment":"neutral","sentiment_score":0.18444907348954453,"num_words":53,"start":499.86502,"end":523.815},{"sentences":[{"text":"And if you actually want to scroll up for me through page 16, it does show you kind of that government co contribution.","start":523.815,"end":536.09,"sentiment":"neutral","sentiment_score":0.13842724425637204},{"text":"Because you've already done it, you will be pretty familiar with it, but it is a very good tax tax effective way for, like, low and middle income earners because you basically if you're putting in that thousand dollars, the government will contribute 500, which which is really good.","start":536.09,"end":554.785,"sentiment":"positive","sentiment_score":0.4444460546483799},{"text":"Obviously, the things to be mindful of is that if your income exponentially goes up, you might not be eligible for it.","start":556.06,"end":565.68,"sentiment":"neutral","sentiment_score":-0.05617907563944093},{"text":"So with the lower income threshold for this financial year, it went up a little bit.","start":565.9,"end":570.97504,"sentiment":"neutral","sentiment_score":0.03740272298455238},{"text":"So to get the full 500, the the limit is 49,293.","start":571.275,"end":580.09503,"sentiment":"neutral","sentiment_score":0.05754268271001903}],"sentiment":"neutral","sentiment_score":0.20625749346415304,"num_words":121,"start":523.815,"end":580.09503},{"sentences":[{"text":"And if you do between 49 and 64, you can get a a partial benefit, just not the full.","start":580.84,"end":588.62,"sentiment":"neutral","sentiment_score":0.08012273829234273},{"text":"So, obviously, that is something to be mindful of.","start":588.68,"end":591.5,"sentiment":"neutral","sentiment_score":0.051976086364852056},{"text":"But if you do it kind of at the end of the financial year as well, you'll have a probably better understanding of, well, are you under the threat threshold or not?","start":591.8,"end":601.355,"sentiment":"neutral","sentiment_score":0.015598527970723808},{"text":"So it's always something that can change.","start":601.355,"end":603.375,"sentiment":"neutral","sentiment_score":0.018797666632703373},{"text":"But it is a very good incentive otherwise.","start":603.995,"end":606.175,"sentiment":"neutral","sentiment_score":0.14892457146197557}],"sentiment":"neutral","sentiment_score":0.05082999917368094,"num_words":75,"start":580.84,"end":606.175},{"sentences":[{"text":"Perfect.","start":608.43,"end":608.93,"sentiment":"positive","sentiment_score":0.4118964374065399},{"text":"Obviously, something to be mindful of by putting a thousand dollars into super.","start":608.99,"end":613.55,"sentiment":"neutral","sentiment_score":0.15676306188106537},{"text":"Obviously, it does reduce your savings or your cash flow, and it is locked in until you meet that condition of release.","start":613.55,"end":620.205,"sentiment":"neutral","sentiment_score":0.07252902825447646},{"text":"Yep.","start":622.125,"end":622.625,"sentiment":"neutral","sentiment_score":0.06448619067668915},{"text":"Yep.","start":622.685,"end":623.085,"sentiment":"neutral","sentiment_score":0.13254252076148987}],"sentiment":"neutral","sentiment_score":0.11164430460255396,"num_words":38,"start":608.43,"end":623.085},{"sentences":[{"text":"Great.","start":623.085,"end":623.325,"sentiment":"neutral","sentiment_score":0.2729657292366028},{"text":"Perfect.","start":623.325,"end":623.825,"sentiment":"neutral","sentiment_score":0.23455095291137695},{"text":"Yeah.","start":625.245,"end":625.745,"sentiment":"neutral","sentiment_score":-0.00013826042413711548},{"text":"No.","start":625.965,"end":626.28503,"sentiment":"neutral","sentiment_score":0.019079456105828285},{"text":"That's so good.","start":626.28503,"end":627.585,"sentiment":"neutral","sentiment_score":0.2309087465206782}],"sentiment":"neutral","sentiment_score":0.1741691596273865,"num_words":7,"start":623.085,"end":627.585},{"sentences":[{"text":"And it's great that you have because, yeah, it is a fantastic scheme that they have because the percentage of what the government puts in against what you put in is very high, and you can't really get that with any other schemes.","start":628.205,"end":641.41,"sentiment":"neutral","sentiment_score":0.32477771716062415},{"text":"I'm sorry.","start":641.41,"end":642.07,"sentiment":"neutral","sentiment_score":-0.03764676861464977},{"text":"It's very good.","start":642.13,"end":643.43,"sentiment":"neutral","sentiment_score":-0.0010489438039561112},{"text":"Now if you could scroll down to for me again to page 19, at the bottom of that page, you should see kind of a different lump sum five and ten years.","start":645.25,"end":657.675,"sentiment":"neutral","sentiment_score":0.03544957653502934},{"text":"Can you see that?","start":657.675,"end":658.735,"sentiment":"neutral","sentiment_score":0.027220814023166895}],"sentiment":"neutral","sentiment_score":0.18012227588665805,"num_words":84,"start":628.205,"end":658.735},{"sentences":[{"text":"Yep.","start":659.355,"end":659.755,"sentiment":"neutral","sentiment_score":0.08191072940826416},{"text":"Perfect.","start":659.755,"end":660.255,"sentiment":"neutral","sentiment_score":0.10898866504430772},{"text":"And it does show you by just putting in that thousand dollars a year, improving the returns a little bit and reducing those fees, everything does compound.","start":660.45,"end":670.23004,"sentiment":"positive","sentiment_score":0.43884445492316176},{"text":"God bless you.","start":670.77,"end":671.75,"sentiment":"positive","sentiment_score":0.4620305796464284},{"text":"And it still makes a pretty big more Perfect.","start":672.21,"end":686.88,"sentiment":"positive","sentiment_score":0.34369486653142506}],"sentiment":"positive","sentiment_score":0.4029035418317085,"num_words":41,"start":659.355,"end":686.88},{"sentences":[{"text":"Now the following page for me, Jane, you will then see a little bit more in regards to those returns.","start":686.88,"end":692.26,"sentiment":"neutral","sentiment_score":0.1904336117208004},{"text":"You can see twelve month, three years, five years, and ten years.","start":692.80005,"end":697.62,"sentiment":"neutral","sentiment_score":0.1341418493539095},{"text":"And you can see as well that across the twelve, three, and five, the recommended has outperformed.","start":698.32,"end":704.775,"sentiment":"neutral","sentiment_score":0.22788076979272506},{"text":"Ten years is very kind of similar, but, obviously, historically, it doesn't always reflect what's going to happen in the future.","start":706.275,"end":713.895,"sentiment":"neutral","sentiment_score":0.015280868991145067},{"text":"So looking a bit shorter term, then the recommended has definitely, outperformed, which is great.","start":714.195,"end":721.11005,"sentiment":"positive","sentiment_score":0.41379247705141703}],"sentiment":"neutral","sentiment_score":0.18611921079675942,"num_words":85,"start":686.88,"end":721.11005},{"sentences":[{"text":"Yep.","start":721.97003,"end":722.47003,"sentiment":"neutral","sentiment_score":0.1890188455581665},{"text":"Perfect.","start":722.53,"end":723.03,"sentiment":"positive","sentiment_score":0.4511981010437012},{"text":"Now what that actually looks like in terms of the change is the following page, so page 21.","start":723.25,"end":731.085,"sentiment":"neutral","sentiment_score":0.08435642677876684},{"text":"Yep.","start":732.825,"end":733.225,"sentiment":"neutral","sentiment_score":0.04888080060482025},{"text":"So this one can look a little bit messy, but it is pretty straightforward.","start":733.225,"end":737.805,"sentiment":"neutral","sentiment_score":0.09162373228796891}],"sentiment":"neutral","sentiment_score":0.09972130517874445,"num_words":35,"start":721.97003,"end":737.805},{"sentences":[{"text":"So first, you have the first column is the name of the investments.","start":737.945,"end":741.40497,"sentiment":"neutral","sentiment_score":0.061962346044870525},{"text":"You have the kind of special special little card.","start":742.08,"end":744.66003,"sentiment":"neutral","sentiment_score":0.0816033821966913},{"text":"You have a percentage of how much you currently have in each investment, what that correlates through in a dollar value, and then you have the buy and sell.","start":745.28,"end":756.02,"sentiment":"neutral","sentiment_score":0.06570299946028611},{"text":"So, basically, the only full change that we are doing is just two investments.","start":756.40497,"end":762.505,"sentiment":"neutral","sentiment_score":0.03914411059979882},{"text":"Now one of them is the top one where it says the Benelon Australian equity.","start":763.285,"end":768.02496,"sentiment":"neutral","sentiment_score":0.042008569836616515}],"sentiment":"neutral","sentiment_score":0.05779342523310334,"num_words":80,"start":737.945,"end":768.02496},{"sentences":[{"text":"We are completely selling out of that one.","start":768.165,"end":770.55,"sentiment":"neutral","sentiment_score":-0.027515608351677656},{"text":"That one was that one that was underperforming a little bit for you.","start":770.63,"end":774.64996,"sentiment":"neutral","sentiment_score":-0.07312129753140303},{"text":"And what we have done instead is then introducing the BetaShares Australia two hundred, which is the second one from the bottom.","start":775.67,"end":784.095,"sentiment":"neutral","sentiment_score":0.05338766612112522},{"text":"Bottom.","start":785.295,"end":785.535,"sentiment":"neutral","sentiment_score":0.041237615048885345},{"text":"Can you see that?","start":785.535,"end":786.33496,"sentiment":"neutral","sentiment_score":0.03055227780714631}],"sentiment":"neutral","sentiment_score":0.003484867629595101,"num_words":48,"start":768.165,"end":786.33496},{"sentences":[{"text":"Yep.","start":786.33496,"end":786.81494,"sentiment":"neutral","sentiment_score":0.03587570786476135},{"text":"So, basically, because we are swapping one Australian investment, we wanted to make sure you still have exposure to the Australian market, just a different type of investment that's doing a little bit better for you and a little bit cheaper.","start":786.81494,"end":801.03,"sentiment":"neutral","sentiment_score":0.09909361396439192},{"text":"Now the good thing with the BetaShares Australia two hundred is that it is a bit more diversified in that it does contain the 200 largest companies listed in Australia.","start":801.03,"end":811.77,"sentiment":"positive","sentiment_score":0.4514828572670619},{"text":"So very diversified.","start":812.23,"end":813.545,"sentiment":"positive","sentiment_score":0.3849046528339386},{"text":"As the company grows and gets bigger, it gets added to the 200 and something smaller falls out.","start":814.165,"end":819.465,"sentiment":"neutral","sentiment_score":0.2601824700832367}],"sentiment":"neutral","sentiment_score":0.2524860001980297,"num_words":93,"start":786.33496,"end":819.465},{"sentences":[{"text":"So because of that, it will be a little bit smoother than the Benelon, which they are kind of actively buying and selling different investments in order to try to outperform the market.","start":819.605,"end":830.37,"sentiment":"neutral","sentiment_score":0.2980450888474782},{"text":"Does that make sense?","start":830.37,"end":831.51,"sentiment":"neutral","sentiment_score":0.12269209325313568},{"text":"Yeah.","start":832.77,"end":833.01,"sentiment":"neutral","sentiment_score":0.21209684014320376},{"text":"Beautiful.","start":833.01,"end":833.51,"sentiment":"positive","sentiment_score":0.41704261302948},{"text":"The other investment we are just changing you out of is your one of your defensive investments, and that is the BetaShares Australia Bank Hybrid, which is the third one from the top.","start":833.89,"end":846.565,"sentiment":"neutral","sentiment_score":0.06806545061143962}],"sentiment":"neutral","sentiment_score":0.18335493928235438,"num_words":72,"start":819.605,"end":846.565},{"sentences":[{"text":"They are gradually phasing that investment out.","start":846.945,"end":850.22504,"sentiment":"neutral","sentiment_score":0.03227071676935468},{"text":"So it's just swapping that investment through the one at the bottom, which is called the iShares core composite bond, which is just like your defensive fixed interest.","start":850.22504,"end":859.58,"sentiment":"neutral","sentiment_score":0.07528660546189972},{"text":"Again, it's just kind of swapping for something similar through to kind of stabilize that portfolio.","start":860.04004,"end":866.7,"sentiment":"neutral","sentiment_score":0.08435730496421456},{"text":"The rest of the changes of the rest that's highlighted in red and in black, it is just rebalancing your portfolio.","start":867.64496,"end":875.90497,"sentiment":"neutral","sentiment_score":0.07871906140020915},{"text":"So, basically, rebalancing.","start":876.52496,"end":878.625,"sentiment":"neutral","sentiment_score":0.07700266440709432}],"sentiment":"neutral","sentiment_score":0.07423660176495711,"num_words":75,"start":846.945,"end":878.625},{"sentences":[{"text":"So it is maintaining those investments.","start":879.58,"end":882.0,"sentiment":"neutral","sentiment_score":0.09769541894396146},{"text":"It is just kind of shifting the percentage back into alignment.","start":882.06,"end":885.68,"sentiment":"neutral","sentiment_score":0.12851504371924835},{"text":"So, for example, if you look at the second one from the top, you can see that your current rate is 7.99%.","start":885.74,"end":893.655,"sentiment":"neutral","sentiment_score":0.07816577668894421},{"text":"The target weight is seven.","start":894.355,"end":896.375,"sentiment":"neutral","sentiment_score":0.05592299103736877},{"text":"So it is keeping those investments.","start":896.515,"end":898.615,"sentiment":"neutral","sentiment_score":0.06066026290257772}],"sentiment":"neutral","sentiment_score":0.08726123228669166,"num_words":50,"start":879.58,"end":898.615},{"sentences":[{"text":"It is just rebalancing.","start":899.235,"end":900.535,"sentiment":"neutral","sentiment_score":0.06955002341419458},{"text":"Because, basically, over time, different investments do perform differently, which can cause your portfolio to kind of drift away a bit from its intended asset allocation.","start":900.995,"end":911.06,"sentiment":"neutral","sentiment_score":-0.02915398346690031},{"text":"So, basically, rebalancing, it just involves buying and selling a little bit where it is appropriate to do so to kind of restore everything back into alignment.","start":911.92004,"end":922.775,"sentiment":"neutral","sentiment_score":0.1309177523685826},{"text":"And by doing that, it basically just ensures that your investments continue to align with your agreed risk profile, your objectives, and everything like that rather than becoming kind of unintentionally more or less risky than intended with market fluctuations.","start":923.395,"end":939.32,"sentiment":"neutral","sentiment_score":0.13619589619338512},{"text":"Does that make sense, Jane?","start":939.7,"end":941.08,"sentiment":"neutral","sentiment_score":0.1280933827161789}],"sentiment":"neutral","sentiment_score":0.08963998626260196,"num_words":102,"start":899.235,"end":941.08},{"sentences":[{"text":"Yeah.","start":942.5,"end":942.82,"sentiment":"neutral","sentiment_score":0.10837529599666595},{"text":"Okay.","start":942.82,"end":943.22,"sentiment":"neutral","sentiment_score":0.16786599159240723},{"text":"Beautiful.","start":943.22,"end":943.7,"sentiment":"neutral","sentiment_score":0.33037853240966797},{"text":"Do you have any questions so far, or is that pretty straightforward?","start":943.7,"end":946.6,"sentiment":"neutral","sentiment_score":0.18400565659006438},{"text":"Nah.","start":947.94,"end":948.42,"sentiment":"neutral","sentiment_score":0.05535299330949783}],"sentiment":"neutral","sentiment_score":0.1793775432743132,"num_words":16,"start":942.5,"end":948.42},{"sentences":[{"text":"Yep.","start":948.42,"end":948.82,"sentiment":"positive","sentiment_score":0.5274837017059326},{"text":"Perfect.","start":948.82,"end":949.275,"sentiment":"positive","sentiment_score":0.8003556728363037},{"text":"Now on the next page, you can see a cash account table.","start":950.715,"end":954.395,"sentiment":"neutral","sentiment_score":0.08481540655096372},{"text":"Can you see that?","start":954.395,"end":955.375,"sentiment":"neutral","sentiment_score":0.06434910092502832},{"text":"Yep.","start":956.715,"end":957.03503,"sentiment":"neutral","sentiment_score":0.12829342484474182}],"sentiment":"neutral","sentiment_score":0.1437533727209819,"num_words":19,"start":948.42,"end":957.03503},{"sentences":[{"text":"Perfect.","start":957.03503,"end":957.53503,"sentiment":"positive","sentiment_score":0.3597414493560791},{"text":"Now with hub twenty four, they do have a minimum of 1.25% that needs to be in cash, and that is just to have enough to cover, you know, any fees or anything associated with the account.","start":957.835,"end":971.56995,"sentiment":"neutral","sentiment_score":0.11946559073151769},{"text":"And we wanna keep that as close as possible through the the minimum 1.25 because having more money sitting in cash is not gonna go as much as obviously being invested.","start":971.94995,"end":982.395,"sentiment":"neutral","sentiment_score":0.12364651575203865},{"text":"So it's just kind of bringing everything back through about 1.25 target as well.","start":982.85504,"end":987.41504,"sentiment":"neutral","sentiment_score":0.23226353526115417},{"text":"But, obviously, it does shift a little bit when you do have contributions getting in, but it will be rebalanced throughout the month as well.","start":987.41504,"end":994.55,"sentiment":"neutral","sentiment_score":0.11873633980751037}],"sentiment":"neutral","sentiment_score":0.1373435952183273,"num_words":108,"start":957.03503,"end":994.55},{"sentences":[{"text":"Yep.","start":995.97,"end":996.47,"sentiment":"neutral","sentiment_score":0.11899524927139282},{"text":"Perfect.","start":996.77,"end":997.27,"sentiment":"positive","sentiment_score":0.4079302251338959},{"text":"Now when it then comes to the asset allocation, that is page 23.","start":998.05,"end":1003.49,"sentiment":"neutral","sentiment_score":0.09326992986293939},{"text":"You should see a little pie chart and another table.","start":1003.49,"end":1006.185,"sentiment":"neutral","sentiment_score":0.07747790440917016},{"text":"Yep.","start":1007.925,"end":1008.425,"sentiment":"neutral","sentiment_score":0.10182389616966248}],"sentiment":"neutral","sentiment_score":0.10061682703403327,"num_words":26,"start":995.97,"end":1008.425},{"sentences":[{"text":"Perfect.","start":1008.56494,"end":1009.06494,"sentiment":"neutral","sentiment_score":0.22601431608200073},{"text":"So what you see here is the second column says risk profile percentage.","start":1009.285,"end":1014.745,"sentiment":"neutral","sentiment_score":0.08505640981289056},{"text":"That is usually what we are aiming for in a high growth portfolio.","start":1015.605,"end":1017.245,"sentiment":"neutral","sentiment_score":0.10032483362234555},{"text":"90% in those growth investments, 10% in a defensive.","start":1017.245,"end":1025.1,"sentiment":"neutral","sentiment_score":0.09114622159136666},{"text":"Now if you look at the column next to it, you can see your existing.","start":1025.96,"end":1029.98,"sentiment":"neutral","sentiment_score":0.06167304093639056}],"sentiment":"neutral","sentiment_score":0.08590945272761233,"num_words":51,"start":1008.56494,"end":1029.98},{"sentences":[{"text":"So at the moment, you have about 92.52 in growth, about seven point four eight in defensive.","start":1030.28,"end":1037.4751,"sentiment":"neutral","sentiment_score":0.08836073866661857},{"text":"So still aligning with your risk profile.","start":1037.615,"end":1040.1951,"sentiment":"neutral","sentiment_score":0.10333860239812306},{"text":"And the proposed is about 91.84 in growth and defensive 8.16.","start":1040.5751,"end":1046.995,"sentiment":"neutral","sentiment_score":0.07695284384218129},{"text":"Again, both does align with risk profile, but, obviously, slightly less in growth, slightly more in defensive, which is, again, is really good that you have saved in fees and improved their performance while not taking on any more risks.","start":1048.0099,"end":1065.315,"sentiment":"neutral","sentiment_score":0.2756919997744262},{"text":"Yep.","start":1065.375,"end":1065.855,"sentiment":"neutral","sentiment_score":0.17589925229549408}],"sentiment":"neutral","sentiment_score":0.18783635920599887,"num_words":76,"start":1030.28,"end":1065.855},{"sentences":[{"text":"Perfect.","start":1065.855,"end":1066.355,"sentiment":"positive","sentiment_score":0.3529505133628845},{"text":"Now that basically summarizes everything and takes us to the end.","start":1066.975,"end":1072.4349,"sentiment":"neutral","sentiment_score":0.16632685539397327},{"text":"The the last thing I do wanna mention is on page 26 when it comes to remuneration.","start":1073.135,"end":1079.48,"sentiment":"neutral","sentiment_score":0.10450332918587853},{"text":"So like I mentioned during the annual review, and because, obviously, Matthew is a client, you guys are on that reduced couple fee of 1.1% instead of that 1.65, making it a little bit cheaper for you.","start":1080.98,"end":1096.205,"sentiment":"neutral","sentiment_score":0.14553740378972646},{"text":"No changes in regards to that.","start":1096.585,"end":1098.505,"sentiment":"neutral","sentiment_score":0.039267286037405334}],"sentiment":"neutral","sentiment_score":0.13304986354584494,"num_words":72,"start":1065.855,"end":1098.505},{"sentences":[{"text":"That stays exactly the same.","start":1098.505,"end":1100.345,"sentiment":"neutral","sentiment_score":0.13099817782640458},{"text":"And if you are happy to go ahead with the recommendation, there is no additional fees or charges for that.","start":1100.345,"end":1106.58,"sentiment":"positive","sentiment_score":0.3570987440645695},{"text":"It is all just part of that ongoing service.","start":1106.58,"end":1109.0,"sentiment":"positive","sentiment_score":0.3930627504984538},{"text":"Yep.","start":1111.1399,"end":1111.5399,"sentiment":"positive","sentiment_score":0.3554421067237854},{"text":"Perfect.","start":1111.5399,"end":1112.0399,"sentiment":"positive","sentiment_score":0.5577553510665894}],"sentiment":"positive","sentiment_score":0.3402146661861075,"num_words":36,"start":1098.505,"end":1112.0399},{"sentences":[{"text":"The last thing we do always just let you know as well is when it comes to insurances, so we do get commissions from the insurer, insurer, which is 22% of the premium ongoing.","start":1112.1799,"end":1124.465,"sentiment":"neutral","sentiment_score":0.15731465575449607},{"text":"But that is clear view to the insurer paying us.","start":1125.005,"end":1127.885,"sentiment":"neutral","sentiment_score":0.10402410253882408},{"text":"It is not you paying us.","start":1127.885,"end":1129.665,"sentiment":"neutral","sentiment_score":0.03529114120950302},{"text":"It's the same for every single insurer out there, so it does not sway us in any way to recommend one provider over the other.","start":1130.045,"end":1136.8301,"sentiment":"neutral","sentiment_score":0.06672615133225918},{"text":"But for compliances, we have to disclose any commissions we receive so that you are fully aware.","start":1137.13,"end":1142.41,"sentiment":"neutral","sentiment_score":0.06748261258882635}],"sentiment":"neutral","sentiment_score":0.1023483083218984,"num_words":92,"start":1112.1799,"end":1142.41},{"sentences":[{"text":"Does that make sense?","start":1142.41,"end":1143.55,"sentiment":"neutral","sentiment_score":0.07566244900226593},{"text":"Yep.","start":1144.49,"end":1144.99,"sentiment":"neutral","sentiment_score":0.09899353981018066},{"text":"Perfect.","start":1145.05,"end":1145.55,"sentiment":"positive","sentiment_score":0.4262059032917022},{"text":"Which basically takes us to the end.","start":1146.25,"end":1148.01,"sentiment":"neutral","sentiment_score":0.2544964551925659},{"text":"It then summarizes what the recommendation is, which is to maintain your hub 24.","start":1148.01,"end":1155.1649,"sentiment":"neutral","sentiment_score":0.24021175184420177}],"sentiment":"neutral","sentiment_score":0.22119588708436047,"num_words":27,"start":1142.41,"end":1155.1649},{"sentences":[{"text":"It's still doing really well for you.","start":1155.1649,"end":1157.265,"sentiment":"positive","sentiment_score":0.530513950756618},{"text":"Just change those two investments, rebalance your portfolio a little bit, and then make that government co contribution at the end of their financial year as well.","start":1157.485,"end":1169.0801,"sentiment":"neutral","sentiment_score":0.21211077548839427},{"text":"Perfect.","start":1169.0801,"end":1169.5801,"sentiment":"neutral","sentiment_score":0.2209216058254242},{"text":"Do you have any questions in regards through any of that, or what are your thoughts?","start":1169.8,"end":1173.9,"sentiment":"neutral","sentiment_score":0.10821899212896824},{"text":"That's all good?","start":1176.28,"end":1177.16,"sentiment":"neutral","sentiment_score":0.3099156618118286}],"sentiment":"neutral","sentiment_score":0.22819927886680322,"num_words":54,"start":1155.1649,"end":1177.16},{"sentences":[{"text":"Okay.","start":1177.16,"end":1177.66,"sentiment":"neutral","sentiment_score":0.20938074588775635},{"text":"Perfect.","start":1177.8,"end":1178.3,"sentiment":"neutral","sentiment_score":0.3016303777694702},{"text":"So, basically, from here is if you wanted to take some time to have a read over it, you are more than welcome to do so.","start":1178.36,"end":1184.915,"sentiment":"neutral","sentiment_score":0.20231245114253119},{"text":"But if you are happy to go ahead to move forward, it would just be to add a little signature at the bottom there.","start":1185.135,"end":1192.755,"sentiment":"neutral","sentiment_score":0.20905395907660326},{"text":"Just the date and signature, and then it will automatically send it back to me.","start":1194.015,"end":1198.65,"sentiment":"neutral","sentiment_score":0.23867342968781788}],"sentiment":"neutral","sentiment_score":0.21445569129132513,"num_words":67,"start":1177.16,"end":1198.65},{"sentences":[{"text":"And that tells me that you are happy with the recommendation, and I will let the team know to go ahead and make that change for you.","start":1198.65,"end":1204.91,"sentiment":"positive","sentiment_score":0.38161179533711187},{"text":"Yep.","start":1206.17,"end":1206.67,"sentiment":"positive","sentiment_score":0.3695254325866699},{"text":"Beautiful.","start":1209.77,"end":1210.27,"sentiment":"positive","sentiment_score":0.5769765377044678},{"text":"Yep.","start":1210.3301,"end":1210.5701,"sentiment":"positive","sentiment_score":0.3916274905204773},{"text":"I can see that just came through, which is nice and fast.","start":1210.5701,"end":1213.425,"sentiment":"positive","sentiment_score":0.5614835570255915}],"sentiment":"positive","sentiment_score":0.43760596712430316,"num_words":42,"start":1198.65,"end":1213.425},{"sentences":[{"text":"You have an hour technology sometimes, so that has all all come through.","start":1213.425,"end":1218.725,"sentiment":"positive","sentiment_score":0.3696961311193613},{"text":"Now do you have any questions for me before I let you go and get on with your day otherwise, Jane?","start":1219.665,"end":1223.97,"sentiment":"neutral","sentiment_score":0.2070500793911162},{"text":"No.","start":1225.57,"end":1226.07,"sentiment":"neutral","sentiment_score":-0.006688222289085388},{"text":"Okay.","start":1226.37,"end":1226.87,"sentiment":"positive","sentiment_score":0.5219531059265137},{"text":"Beautiful.","start":1226.9299,"end":1227.4299,"sentiment":"positive","sentiment_score":0.7696255445480347}],"sentiment":"neutral","sentiment_score":0.28213491351217834,"num_words":37,"start":1213.425,"end":1227.4299},{"sentences":[{"text":"Well, thank you so much for your time this morning.","start":1227.49,"end":1229.4299,"sentiment":"positive","sentiment_score":0.7555867612361908},{"text":"If there is anything that either you or Matthew need at any point in time, don't hesitate to give me a call.","start":1229.57,"end":1235.27,"sentiment":"neutral","sentiment_score":0.060762172056870026},{"text":"No worries.","start":1238.245,"end":1239.445,"sentiment":"neutral","sentiment_score":0.2031227871775627},{"text":"We'll speak soon.","start":1239.445,"end":1242.405,"sentiment":"neutral","sentiment_score":0.17275429765383402},{"text":"Okay.","start":1242.405,"end":1242.905,"sentiment":"neutral","sentiment_score":0.1440218687057495}],"sentiment":"neutral","sentiment_score":0.262135940358827,"num_words":38,"start":1227.49,"end":1242.905},{"sentences":[{"text":"Bye.","start":1242.965,"end":1243.465,"sentiment":"neutral","sentiment_score":0.11575230211019516},{"text":"Bye.","start":1244.8049,"end":1245.24,"sentiment":"neutral","sentiment_score":-0.11966469138860704}],"sentiment":"neutral","sentiment_score":-0.0019561946392059396,"num_words":2,"start":1242.965,"end":1245.24}]}}]},{"alternatives":[{"transcript":"Hello? It is. How are you? How are you going, Veronica? I forgot you were ringing. Sorry. I'm good. Thank you. I do. Yes. Sorry. I just got back in the car, so it just slipped over. That's all good. Thank you. Yep. Yep. Alright. So I've only just got in the car, so I'll be able to have a look at it for you anyway. Yep. I don't know. Yep. No. No. No. No. You're fine, honestly. Okay. Yep. I'm in, so good to go. Yep. No worries. Yep. Jane Marie Whitney. 09/1984. 9 Girawin Drive, Marangaroo, New South Wales 2790. Yes. Yep. Yep. Yeah. No worries. Yep. Not a problem. Yep. No worries. Yep. Yep. Yep. Yep. Yep. Mhmm. No worries. Yep. Nine. Yes. There it is. Yep. Yep. 19. Yep. Yep. Yes. Yep. Yep. Yep. Yes. Yes. Yep. Yep. Yep. Yep. Yep. Yep. Yep. That's good. Thank you. Yep. Yep. Thank you. Yes. Busy busy time of you. Yep. No. That's good. Thank you. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yeah. Yep. Yep. Yep. Thank you. Yep. No. That's all good. I've done it for years and years. I just forgot. Sorry. Yep. Yep. Yep. Yeah. No. That's right. Yeah. Thank you. Yep. Yep. Yep. Yep. Excuse me. Yeah. Thank you. Yep. Yeah. No. That's good. Thank you. Yep. Yep. Yeah. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yeah. Yep. Yep. Yep. Okay. Yep. Yep. Yep. Yep. Yep. Okay. Okay. Yep. Yep. No. That's all good. Yep. That's all good. Thank you. Yep. Yep. Yep. Yep. No worries at all. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. That's fine. Thank you. Yep. Yep. Yep. Yep. Yep. Yep. No worries. Yep. No. That's all good. Thank you. Yep. Yep. All done. I've just signed it and sent it back, so you should be good. No. That's all good. Thank you. No. Thank you. No worries whatsoever. Thank you so much. Will do. See you later. 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It is. How are you? How are you going, Veronica? I forgot you were ringing.\n\nSorry. I'm good. Thank you. I do. Yes.\n\nSorry. I just got back in the car, so it just slipped over. That's all good. Thank you. Yep.\n\nYep. Alright. So I've only just got in the car, so I'll be able to have a look at it for you anyway. Yep. I don't know.\n\nYep. No. No. No. No.\n\nYou're fine, honestly. Okay. Yep. I'm in, so good to go. Yep.\n\nNo worries. Yep. Jane Marie Whitney. 09/1984. 9 Girawin Drive, Marangaroo, New South Wales 2790.\n\nYes. Yep. Yep. Yeah. No worries.\n\nYep. Not a problem. Yep. No worries. Yep.\n\nYep. Yep. Yep. Yep. Mhmm.\n\nNo worries. Yep. Nine. Yes. There it is.\n\nYep. Yep. 19. Yep. Yep.\n\nYes. Yep. Yep. Yep. Yes.\n\nYes. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. That's good. Thank you.\n\nYep. Yep. Thank you. Yes. Busy busy time of you.\n\nYep. No. That's good. Thank you. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yeah.\n\nYep. Yep. Yep. Thank you. 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you.","start":1230.4651,"end":1231.2051,"sentiment":"neutral","sentiment_score":0.054597094655036926},{"text":"No worries whatsoever.","start":1235.88,"end":1237.02,"sentiment":"neutral","sentiment_score":0.13388985892136893},{"text":"Thank you so much.","start":1237.24,"end":1238.4601,"sentiment":"positive","sentiment_score":0.6433495879173279},{"text":"Will do.","start":1241.16,"end":1241.72,"sentiment":"neutral","sentiment_score":0.26275594532489777},{"text":"See you later.","start":1241.72,"end":1242.4601,"sentiment":"neutral","sentiment_score":0.28333982825279236}],"sentiment":"neutral","sentiment_score":0.3185566780822618,"num_words":14,"start":1230.4651,"end":1242.4601},{"sentences":[{"text":"Bye.","start":1243.8,"end":1244.3,"sentiment":"neutral","sentiment_score":0.10440366715192796}],"sentiment":"neutral","sentiment_score":0.10440366715192796,"num_words":1,"start":1243.8,"end":1244.3}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good morning. Is this Jane?\n\nChannel 1: It is. How are you?\n\nChannel 0: Good. It's Veronica from ICU Financial.\n\nChannel 1: How are you going, Veronica?\n\nChannel 0: Good.\n\nChannel 1: I forgot\n\nChannel 0: How\n\nChannel 1: you\n\nChannel 0: are\n\nChannel 1: were\n\nChannel 0: you?\n\nChannel 1: ringing. Sorry. I'm good. Thank you.\n\nChannel 0: That's all good. Do you still have time to talk to me?\n\nChannel 1: I do. Yes. Sorry. I\n\nChannel 0: Yes.\n\nChannel 1: just got back in the car, so it just slipped over. That's all good. Thank you.\n\nChannel 0: No. Good. It won't take too long today because it's pretty straightforward and especially because you were listening to to Matthew as well.\n\nChannel 1: Yep.\n\nChannel 0: I can make it a little bit quicker for you.\n\nChannel 1: Yep.\n\nChannel 0: Now what I have done is I've just sent you an email with the recommendation. But, obviously, if you're driving, please don't access it at the moment because it wouldn't be safe to do so. And then, obviously\n\nChannel 1: Alright. So I've only just got in the car, so I'll be able to\n\nChannel 0: okay.\n\nChannel 1: have a look at it for you anyway.\n\nChannel 0: Oh,\n\nChannel 1: Yep.\n\nChannel 0: okay. Beautiful.\n\nChannel 1: I don't know.\n\nChannel 0: If you could access that for me, that that would be good.\n\nChannel 1: Yep.\n\nChannel 0: And I'll try to make it quick just so you don't have to wait for too long.\n\nChannel 1: No. No. No. No. You're fine, honestly.\n\nOkay.\n\nChannel 0: Perfect.\n\nChannel 1: Yep. I'm in, so\n\nChannel 0: Perfect.\n\nChannel 1: good\n\nChannel 0: Now\n\nChannel 1: to go.\n\nChannel 0: just before I do go any further, just as per usual, 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. No\n\nChannel 0: Yep.\n\nChannel 1: worries.\n\nChannel 0: Perfect. And even though I can hear it's you, can I just get you to confirm full name, date of birth, and address,\n\nChannel 1: Yep. Jane Marie Whitney. 09/1984. 9 Girawin Drive, Marangaroo, New South\n\nChannel 0: please?\n\nChannel 1: Wales 2790.\n\nChannel 0: Yep. Beautiful. Now can you see that cover page for me, Jane, where it says\n\nChannel 1: Yes.\n\nChannel 0: statement of advice? Yeah. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: So, obviously, similar to Matthew, every time we do make a recommendation on any financial products and make tailored financial advice, We have to put everything in a statement of advice for you just to make sure that you fully understand everything. A lot of it is just the compliance, and today is pretty straightforward. So I'll just go through, obviously, the main points, and then you always have access to how to re have a read over everything as well if you do have any questions,\n\nChannel 1: Yep.\n\nChannel 0: but it is pretty straightforward\n\nChannel 1: Yeah. No\n\nChannel 0: to\n\nChannel 1: worries.\n\nChannel 0: me.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Now on\n\nChannel 1: Not\n\nChannel 0: the cover\n\nChannel 1: a problem.\n\nChannel 0: page, you will see my details listed. You will see my authorized representative number, and I am a licensed under OQ Financial. You see all our contact details on where we are located if you're ever in the area and wanna stop by. That's\n\nChannel 1: Yep.\n\nChannel 0: all there for you.\n\nChannel 1: No worries.\n\nChannel 0: Now on the second page, it talks about that best interest duty, which basically means that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation. Does that make sense, Jay?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now what I will get you to do is just to kind of scroll through for me. You will see table of content. Pretty self explanatory.\n\nYou will then\n\nChannel 1: Yep.\n\nChannel 0: get through where it says scope of advice. Can you\n\nChannel 1: Yep.\n\nChannel 0: see that?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Basically, what this means is just the areas we are looking at today. So, basically, just reviewing your superannuation just to make sure everything is structured appropriately for you and having a look at\n\nChannel 1: Yep.\n\nChannel 0: those investments if we wanted to make any tweaks and changes to anything to put you in a better position. Otherwise, we are not making any changes to insurances or or anything else. It is mainly just focusing on that superannuation today.\n\nChannel 1: Mhmm.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: No worries.\n\nChannel 0: Now if\n\nChannel 1: Yep.\n\nChannel 0: you can scroll for me down through page nine. It should say\n\nChannel 1: Nine.\n\nChannel 0: your risk profile.\n\nChannel 1: Yes. There it is.\n\nChannel 0: Yep. I see. And the pages you kind of just scroll through is just just kind of what we touched on doing the annual review. This shows your insurance again with Clearview and just, like, your assets and a bit about you. That was basically what you scrolled through.\n\nBut for the risk\n\nChannel 1: Yep.\n\nChannel 0: profile, it does talk about how you are currently invested because you do have plenty of time until retirement and are kind of comfortable seeing a bit of those short term volatility in order to try to grow that super as much as possible. We are maintaining that high growth portfolio for you for the for the time being anyway in order to try to maximize that growth for you. So not\n\nChannel 1: Yep.\n\nChannel 0: making any changes to your risk tolerance, maintaining that high growth. Now if you can scroll for me down to page see here. 19.\n\nChannel 1: 19. Yep.\n\nChannel 0: Yep. It should be a table where it says fee comparison.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now, basically, what you scroll through is just kind of outlining the recommendation in words for you of why the recommendation does align with that best interest duty. Also, advantages. With the recommendation, some risks and disadvantages to be mindful of, but I often find that seeing this in front of you is kind of the easiest way sometimes to look at it, which kind of summarizes those pages that you did scroll through.\n\nBasically,\n\nChannel 1: Yes.\n\nChannel 0: what you can see, you can see your current situation. Can you see that column where it says current?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Which shows you your current super balance. It also shows you the fees associated. So admin fees would have 24 investment fees with your investments, adviser fees, and contributions from your employer as well as well as those insurances.\n\nNow\n\nChannel 1: Yep.\n\nChannel 0: it then shows us the total cost, and then you can\n\nChannel 1: Yep.\n\nChannel 0: also see your high growth return. So\n\nChannel 1: Yes.\n\nChannel 0: what we do like to use is the five year rolling average. So it's using a five year period, averaging it that out to give us a yearly kind of average. The reason we do that is because it gives us more certainty of what has happened in the market and the portfolio than\n\nChannel 1: Yes.\n\nChannel 0: if we just used a single twelve month period. Because depending on when we just used twelve months, it would have looked like you've won the lottery, whereas other years\n\nChannel 1: Yep.\n\nChannel 0: wouldn't\n\nChannel 1: Yep.\n\nChannel 0: have been as good. So giving, like, a longer period of time and averaging it out, it just gives us a little bit more certainty. Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Perfect. So it still shows that your current portfolio hasn't done too bad. But with the recommended, it has performed a little bit better, which is good, which you can see in the column next to it. Now it's\n\nChannel 1: Yep.\n\nChannel 0: not making drastic changes. It's just a couple of changes, which I will go through with the investment. But just by making those minor changes, it still makes a difference of about 1.72%, which with\n\nChannel 1: Yep.\n\nChannel 0: compounding does make a pretty big difference.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Now the other thing to to note is that with changing the investments, it is making things a bit cheaper for you. So you can see that the difference is about $329 per year, and that is simply just reducing the investment fees. So no other\n\nChannel 1: Yep.\n\nChannel 0: changes, just reducing those investment fees, which is nice.\n\nChannel 1: That's good. Thank you.\n\nChannel 0: Yep. Now the good thing with the investments we have changed for you as well is that at the time we did all the calculations, things can change slightly on a daily because, obviously, prices of investments do go up and down. But there is estimated to be no capital gains tax with making the change, which again is a really good thing.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now, obviously, something to be mindful of is that there is always a level of risk associated with any investment option, but that is why we do use that five year rolling average to provide us with a little bit more certainty. But, obviously, there's no guarantee on performance of what is happening in the world or in the market.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now what I have also included also included here for you is that government co contribution. And I have put a reminder to kind of touch base with you about June, beginning of June, just\n\nChannel 1: Thank\n\nChannel 0: to\n\nChannel 1: you.\n\nChannel 0: just as a little reminder.\n\nChannel 1: Yes. Busy busy time of you. Yep. No. That's good.\n\nChannel 0: Yes.\n\nChannel 1: Thank you.\n\nChannel 0: No.\n\nChannel 1: Yep.\n\nChannel 0: That's all good, which does make a pretty big difference. And if you actually want to scroll up for me through\n\nChannel 1: Yep.\n\nChannel 0: page 16,\n\nChannel 1: Yep.\n\nChannel 0: it does show you kind of that government co contribution. Because you've already done it, you will be pretty familiar with it, but it is\n\nChannel 1: Yep.\n\nChannel 0: a very good tax tax effective way for, like, low and middle income earners because\n\nChannel 1: Yep.\n\nChannel 0: you basically if you're putting in that thousand dollars, the government will contribute 500, which which is really good.\n\nChannel 1: Yep.\n\nChannel 0: Obviously, the things to be mindful of is that if your income exponentially goes up, you might not be eligible for it. So with\n\nChannel 1: Yep.\n\nChannel 0: the lower income threshold for this financial year, it went up a little bit. So to get\n\nChannel 1: Yep.\n\nChannel 0: the full 500, the the limit is 49,293. And\n\nChannel 1: Yep.\n\nChannel 0: if you do between 49 and 64, you can get a a partial benefit, just not the full. So, obviously, that\n\nChannel 1: Yep.\n\nChannel 0: is something to be mindful of. But if you do it kind of at the end of the financial year as well, you'll have a probably better understanding of, well, are you under the threat threshold or not? So it's always something\n\nChannel 1: Yeah.\n\nChannel 0: that\n\nChannel 1: Yep.\n\nChannel 0: can change. But it\n\nChannel 1: Yep.\n\nChannel 0: is a very good incentive otherwise.\n\nChannel 1: Yep. Thank you.\n\nChannel 0: Perfect. Obviously, something to be mindful of by putting a thousand dollars into super. Obviously, it does reduce your savings or your cash flow, and it is locked in until you meet that condition of release.\n\nChannel 1: Yep. No. That's all\n\nChannel 0: Yep.\n\nChannel 1: good. I've\n\nChannel 0: Yep.\n\nChannel 1: done it\n\nChannel 0: Great.\n\nChannel 1: for\n\nChannel 0: Perfect.\n\nChannel 1: years and years. I just forgot.\n\nChannel 0: Yeah.\n\nChannel 1: Sorry.\n\nChannel 0: No. That's\n\nChannel 1: Yep.\n\nChannel 0: so good. And it's great that you have because, yeah, it is a fantastic scheme that they have because the percentage of what the government puts in against what you put in is very\n\nChannel 1: Yep.\n\nChannel 0: high, and you can't really get that with any other schemes. I'm sorry. It's\n\nChannel 1: Yep.\n\nChannel 0: very\n\nChannel 1: Yeah. No.\n\nChannel 0: good.\n\nChannel 1: That's right. Yeah. Thank you.\n\nChannel 0: Now if you could scroll down to for me again to page 19,\n\nChannel 1: Yep.\n\nChannel 0: at the bottom of that page, you should see kind of a different lump sum five and ten years. Can you see that?\n\nChannel 1: Yep. Yep. Yep.\n\nChannel 0: Yep. Perfect. And it does show you by just putting in that thousand dollars a year, improving the returns a little bit and reducing those fees, everything does\n\nChannel 1: Excuse me.\n\nChannel 0: compound. God bless you.\n\nChannel 1: Yeah.\n\nChannel 0: And\n\nChannel 1: Thank\n\nChannel 0: it still\n\nChannel 1: you.\n\nChannel 0: makes a pretty big\n\nChannel 1: Yep.\n\nChannel 0: more\n\nChannel 1: Yeah. No. That's good. Thank you.\n\nChannel 0: Perfect. Now the following page for me, Jane, you will then see a little bit more in regards to those\n\nChannel 1: Yep.\n\nChannel 0: returns. You can see twelve month, three years, five years, and ten years. And you can see\n\nChannel 1: Yep.\n\nChannel 0: as well that across the twelve, three, and five, the recommended has outperformed. Ten years is very kind of similar, but, obviously, historically, it doesn't always reflect what's going to happen in the future. So looking\n\nChannel 1: Yeah.\n\nChannel 0: a\n\nChannel 1: Yep.\n\nChannel 0: bit shorter term, then the recommended has definitely, outperformed, which is great.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Perfect. Now what that actually looks like in terms of the change is the following page, so page 21.\n\nChannel 1: Yep.\n\nChannel 0: Yep. So this one can look a little bit messy, but it is pretty straightforward. So first, you have the first column is the name of the investments. You have the\n\nChannel 1: Yep.\n\nChannel 0: kind of special special little card. You have a percentage of how much you currently have in each investment, what\n\nChannel 1: Yep.\n\nChannel 0: that correlates through in a dollar value, and then you have the buy and sell. So,\n\nChannel 1: Yep.\n\nChannel 0: basically, the only full change that we are doing is just two investments. Now one of them is the top one where it says the Benelon Australian equity. We are completely selling out of that one. That one was that one that was underperforming a little bit for you.\n\nChannel 1: Yeah.\n\nChannel 0: And what we have done instead is then introducing the BetaShares Australia two hundred, which is the second one from the bottom. Bottom.\n\nChannel 1: Yep.\n\nChannel 0: Can you see that? Yep. So,\n\nChannel 1: Yep.\n\nChannel 0: basically, because we are swapping one Australian investment, we wanted to make sure you still have exposure to the Australian market, just a different\n\nChannel 1: Yep.\n\nChannel 0: type of investment that's doing a little bit better for you and a little bit cheaper. Now the good thing with the BetaShares Australia two hundred is that it is a bit more diversified in that it does contain the 200 largest companies listed in Australia. So very\n\nChannel 1: Okay.\n\nChannel 0: diversified. As the company grows and gets bigger, it gets added to the 200 and something smaller falls out. So because of that, it will be a little bit smoother than the Benelon, which they are kind of actively buying and selling different investments in order to try to outperform the market. Does that make\n\nChannel 1: Yep.\n\nChannel 0: sense? Yeah. Beautiful. The other investment we are just changing you out of is\n\nChannel 1: Yep.\n\nChannel 0: your one of your defensive investments, and that is the BetaShares Australia Bank Hybrid, which is the third one from the top. They are gradually\n\nChannel 1: Yep.\n\nChannel 0: phasing that investment out. So it's just swapping that investment through the one at the bottom, which is called the iShares core composite bond, which is just like your defensive fixed interest. Again, it's\n\nChannel 1: Yep.\n\nChannel 0: just kind of swapping for something similar through to kind of stabilize that portfolio. The rest of the changes of the rest that's highlighted in red and in\n\nChannel 1: Yep.\n\nChannel 0: black, it is just rebalancing your portfolio. So,\n\nChannel 1: Okay.\n\nChannel 0: basically, rebalancing. So it is maintaining those investments. It is just kind of shifting the percentage back into alignment. So, for example, if you look at the second one from the top, you can see that your current rate is 7.99%. The target weight is seven.\n\nSo it is keeping\n\nChannel 1: Okay.\n\nChannel 0: those investments. It is just rebalancing. Because, basically, over time, different investments do perform differently, which can cause your portfolio to kind of drift away a bit from its intended asset allocation. So, basically, rebalancing, it just involves buying and selling a little bit where it is appropriate to do so to kind of restore everything back into alignment. And by doing\n\nChannel 1: Yep.\n\nChannel 0: that, it basically just ensures that your investments continue to align with your agreed risk profile, your objectives, and everything like that rather than becoming kind of unintentionally more or less risky\n\nChannel 1: Yep.\n\nChannel 0: than intended with market fluctuations. Does that make sense, Jane? Yeah. Okay. Beautiful.\n\nDo you have any questions so far, or is that pretty straightforward?\n\nChannel 1: No. That's all good.\n\nChannel 0: Nah.\n\nChannel 1: Yep. That's all\n\nChannel 0: Yep.\n\nChannel 1: good. Thank\n\nChannel 0: Perfect.\n\nChannel 1: you.\n\nChannel 0: Now on the next page, you can see a cash account table. Can you see that?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now with hub twenty four, they do have a minimum of 1.25% that needs to be in cash, and that is just to have enough to cover, you know, any fees or anything associated with the account. And we wanna keep\n\nChannel 1: Yep.\n\nChannel 0: that as close as possible through the the minimum 1.25 because having more money sitting in cash is not gonna go as much as obviously being invested. So it's just kind of\n\nChannel 1: Yep.\n\nChannel 0: bringing everything back through about 1.25 target as well. But, obviously, it does shift a little bit when you do have contributions getting in, but it will be rebalanced throughout the month as well.\n\nChannel 1: Yep. No worries\n\nChannel 0: Yep.\n\nChannel 1: at all.\n\nChannel 0: Perfect. Now when it then comes to the asset allocation, that is page 23. You should see a little pie chart and another table.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. So what you see here is the second column says risk profile percentage. That is usually what we are aiming for in a high growth portfolio. 90% in those growth investments, 10% in a defensive.\n\nNow if you\n\nChannel 1: Yep.\n\nChannel 0: look at the column next to it, you can see your existing. So at the moment, you have about 92.52 in growth, about seven\n\nChannel 1: Yep.\n\nChannel 0: point four eight in defensive. So still aligning with your risk profile. And the proposed\n\nChannel 1: Yep.\n\nChannel 0: is about 91.84 in growth and defensive 8.16. Again, both does align with risk profile, but, obviously, slightly less in growth, slightly more in defensive, which is, again, is really good that you have saved in fees and improved their performance while not taking on any more\n\nChannel 1: Yep.\n\nChannel 0: risks. Yep. Perfect. Now that basically summarizes everything and takes us to the end. The\n\nChannel 1: Yep.\n\nChannel 0: the last thing I do wanna mention is on page 26 when it comes to remuneration. So like I mentioned during the annual review, and because, obviously, Matthew is a client, you guys are on that reduced couple fee of 1.1% instead\n\nChannel 1: Yep.\n\nChannel 0: of that 1.65, making it a little bit cheaper for you. No changes\n\nChannel 1: Yep.\n\nChannel 0: in regards to that. That stays exactly the same. And if you are happy to go ahead with the recommendation, there is no additional fees or charges for that. It is all just part of\n\nChannel 1: Yep.\n\nChannel 0: that ongoing service.\n\nChannel 1: Yep. That's fine. Thank you.\n\nChannel 0: Yep. Perfect. The last thing we do always just let you know as well is when it comes to insurances, so we do get commissions from the insurer, insurer, which is\n\nChannel 1: Yep.\n\nChannel 0: 22% of the premium ongoing. But that is clear view to the insurer paying us. It is not you paying us. It's\n\nChannel 1: Yep. Yep.\n\nChannel 0: the same for every single insurer out there, so it does not sway us in any way to recommend one provider over the other. But for compliances,\n\nChannel 1: Yep.\n\nChannel 0: we have to disclose any commissions we receive so that you are fully aware. Does that make sense?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep.\n\nChannel 1: No worries.\n\nChannel 0: Perfect. Which basically takes us to the end. It then summarizes what the recommendation is, which is to maintain your hub 24. It's still doing really well for you. Just change those two investments, rebalance your portfolio a little bit, and then make that government co\n\nChannel 1: Yep.\n\nChannel 0: contribution at the end of their financial year as well. Perfect. Do you have any questions in regards through any of that, or what are your thoughts?\n\nChannel 1: No. That's all good. Thank you.\n\nChannel 0: That's all good? Okay. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: So, basically, from here is if you wanted to take some time to have a read over it, you are more than welcome to do so. But if you are happy to go ahead to move forward, it would just be to add a little signature at the bottom there. Just the date and signature, and then it will automatically send it back to me. And that tells me that you are happy with the recommendation, and I will let the team know to go ahead and make that change for you.\n\nChannel 1: Yep. All done. I've\n\nChannel 0: Yep.\n\nChannel 1: just signed it and sent it back, so you should be good.\n\nChannel 0: Beautiful. Yep. I can see that just came through, which is nice and fast. You have an hour technology sometimes, so that has all all come through. Now do you have any questions for me before I let you go and get on with your day otherwise, Jane?\n\nChannel 1: No. That's all good.\n\nChannel 0: No.\n\nChannel 1: Thank you.\n\nChannel 0: Okay. Beautiful. Well, thank you so much for your time this morning. If there is anything\n\nChannel 1: No.\n\nChannel 0: that\n\nChannel 1: Thank\n\nChannel 0: either\n\nChannel 1: you.\n\nChannel 0: you or Matthew need at any point in time, don't hesitate to give me a call.\n\nChannel 1: No worries whatsoever. Thank you so much.\n\nChannel 0: No worries. We'll speak\n\nChannel 1: Will do. See you\n\nChannel 0: soon.\n\nChannel 1: later.\n\nChannel 0: Okay. Bye.\n\nChannel 1: Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.32,"end":0.82,"sentiment":"neutral","sentiment_score":0.04877539724111557}],"sentiment":"neutral","sentiment_score":0.04877539724111557,"channel":1,"num_words":1,"start":0.32,"end":0.82},{"sentences":[{"text":"Good morning.","start":2.08,"end":2.6399999,"sentiment":"positive","sentiment_score":0.35595355927944183},{"text":"Is this Jane?","start":2.6399999,"end":3.62,"sentiment":"neutral","sentiment_score":0.2202061116695404}],"sentiment":"neutral","sentiment_score":0.274505090713501,"channel":0,"num_words":5,"start":2.08,"end":3.62},{"sentences":[{"text":"It is.","start":4.0,"end":4.48,"sentiment":"neutral","sentiment_score":0.18135949969291687},{"text":"How are you?","start":4.48,"end":5.38,"sentiment":"neutral","sentiment_score":0.20244165261586508}],"sentiment":"neutral","sentiment_score":0.19400879144668579,"channel":1,"num_words":5,"start":4.0,"end":5.38},{"sentences":[{"text":"Good.","start":5.6,"end":6.0,"sentiment":"positive","sentiment_score":0.5199961066246033},{"text":"It's Veronica from ICU Financial.","start":6.0,"end":8.1,"sentiment":"positive","sentiment_score":0.3454513132572174}],"sentiment":"positive","sentiment_score":0.37454211215178174,"channel":0,"num_words":6,"start":5.6,"end":8.1},{"sentences":[{"text":"How are you going, Veronica?","start":8.72,"end":10.0199995,"sentiment":"neutral","sentiment_score":0.2775882542133331}],"sentiment":"neutral","sentiment_score":0.2775882542133331,"channel":1,"num_words":5,"start":8.72,"end":10.0199995},{"sentences":[{"text":"Good.","start":10.8,"end":11.12,"sentiment":"neutral","sentiment_score":0.2918853163719177}],"sentiment":"neutral","sentiment_score":0.2918853163719177,"channel":0,"num_words":1,"start":10.8,"end":11.12},{"sentences":[{"text":"I forgot","start":10.88,"end":11.36,"sentiment":"neutral","sentiment_score":0.13201751559972763}],"sentiment":"neutral","sentiment_score":0.13201751559972763,"channel":1,"num_words":2,"start":10.88,"end":11.36},{"sentences":[{"text":"How","start":11.12,"end":11.36,"sentiment":"neutral","sentiment_score":0.10620218515396118}],"sentiment":"neutral","sentiment_score":0.10620218515396118,"channel":0,"num_words":1,"start":11.12,"end":11.36},{"sentences":[{"text":"you","start":11.36,"end":11.5199995,"sentiment":"neutral","sentiment_score":0.07364565134048462}],"sentiment":"neutral","sentiment_score":0.07364565134048462,"channel":1,"num_words":1,"start":11.36,"end":11.5199995},{"sentences":[{"text":"are","start":11.36,"end":11.5199995,"sentiment":"neutral","sentiment_score":0.08568350970745087}],"sentiment":"neutral","sentiment_score":0.08568350970745087,"channel":0,"num_words":1,"start":11.36,"end":11.5199995},{"sentences":[{"text":"were","start":11.5199995,"end":11.679999,"sentiment":"neutral","sentiment_score":-0.02318122237920761}],"sentiment":"neutral","sentiment_score":-0.02318122237920761,"channel":1,"num_words":1,"start":11.5199995,"end":11.679999},{"sentences":[{"text":"you?","start":11.5199995,"end":12.015,"sentiment":"neutral","sentiment_score":0.059871748089790344}],"sentiment":"neutral","sentiment_score":0.059871748089790344,"channel":0,"num_words":1,"start":11.5199995,"end":12.015},{"sentences":[{"text":"ringing.","start":11.679999,"end":12.0,"sentiment":"neutral","sentiment_score":0.014556897804141045},{"text":"Sorry.","start":12.0,"end":12.4,"sentiment":"neutral","sentiment_score":0.1264777034521103},{"text":"I'm good.","start":12.4,"end":12.88,"sentiment":"positive","sentiment_score":0.4134973734617233},{"text":"Thank you.","start":12.88,"end":13.54,"sentiment":"positive","sentiment_score":0.676367312669754}],"sentiment":"positive","sentiment_score":0.3867939955865343,"channel":1,"num_words":6,"start":11.679999,"end":13.54},{"sentences":[{"text":"That's all good.","start":14.095,"end":14.975,"sentiment":"positive","sentiment_score":0.5800263484319051},{"text":"Do you still have time to talk to me?","start":14.975,"end":17.155,"sentiment":"neutral","sentiment_score":0.12436852686935002}],"sentiment":"neutral","sentiment_score":0.23828298225998878,"channel":0,"num_words":12,"start":14.095,"end":17.155},{"sentences":[{"text":"I do.","start":17.985,"end":18.465,"sentiment":"neutral","sentiment_score":0.1138247400522232},{"text":"Yes.","start":18.465,"end":18.865,"sentiment":"neutral","sentiment_score":0.07438241690397263},{"text":"Sorry.","start":18.865,"end":19.105,"sentiment":"neutral","sentiment_score":0.025844808667898175},{"text":"I","start":19.105,"end":19.265,"sentiment":"neutral","sentiment_score":0.01849968358874321}],"sentiment":"neutral","sentiment_score":0.06927527785301209,"channel":1,"num_words":5,"start":17.985,"end":19.265},{"sentences":[{"text":"Yes.","start":19.215,"end":19.715,"sentiment":"neutral","sentiment_score":0.062154076993465424}],"sentiment":"neutral","sentiment_score":0.062154076993465424,"channel":0,"num_words":1,"start":19.215,"end":19.715},{"sentences":[{"text":"just got back in the car, so it just slipped over.","start":19.265,"end":21.505,"sentiment":"neutral","sentiment_score":-0.03937488083134998},{"text":"That's all good.","start":21.505,"end":22.224998,"sentiment":"positive","sentiment_score":0.5183952450752258},{"text":"Thank you.","start":22.224998,"end":22.965,"sentiment":"positive","sentiment_score":0.4863854944705963}],"sentiment":"neutral","sentiment_score":0.13092706468887627,"channel":1,"num_words":16,"start":19.265,"end":22.965},{"sentences":[{"text":"No.","start":23.295,"end":23.615,"sentiment":"neutral","sentiment_score":0.10549776256084442},{"text":"Good.","start":23.615,"end":23.935001,"sentiment":"neutral","sentiment_score":0.28286081552505493},{"text":"It won't take too long today because it's pretty straightforward and especially because you were listening to to Matthew as well.","start":23.935001,"end":30.52,"sentiment":"neutral","sentiment_score":0.2829072894085021}],"sentiment":"neutral","sentiment_score":0.2751918111158454,"channel":0,"num_words":23,"start":23.295,"end":30.52},{"sentences":[{"text":"Yep.","start":31.31,"end":31.81,"sentiment":"neutral","sentiment_score":0.16615575551986694}],"sentiment":"neutral","sentiment_score":0.16615575551986694,"channel":1,"num_words":1,"start":31.31,"end":31.81},{"sentences":[{"text":"I can make it a little bit quicker for you.","start":31.539999,"end":35.0,"sentiment":"neutral","sentiment_score":0.2032627731561661}],"sentiment":"neutral","sentiment_score":0.2032627731561661,"channel":0,"num_words":10,"start":31.539999,"end":35.0},{"sentences":[{"text":"Yep.","start":35.87,"end":36.37,"sentiment":"neutral","sentiment_score":0.05450315400958061}],"sentiment":"neutral","sentiment_score":0.05450315400958061,"channel":1,"num_words":1,"start":35.87,"end":36.37},{"sentences":[{"text":"Now what I have done is I've just sent you an email with the recommendation.","start":36.579998,"end":41.795,"sentiment":"neutral","sentiment_score":0.027043752620617548},{"text":"But, obviously, if you're driving, please don't access it at the moment because it wouldn't be safe to do so.","start":42.015,"end":47.475,"sentiment":"neutral","sentiment_score":-0.1576039209961891},{"text":"And then, obviously","start":47.614998,"end":48.594997,"sentiment":"neutral","sentiment_score":-0.002839157357811928}],"sentiment":"neutral","sentiment_score":-0.07249841059705145,"channel":0,"num_words":38,"start":36.579998,"end":48.594997},{"sentences":[{"text":"Alright.","start":48.105,"end":48.425,"sentiment":"neutral","sentiment_score":0.03732845559716225},{"text":"So I've only just got in the car, so I'll be able to","start":48.425,"end":50.665,"sentiment":"neutral","sentiment_score":0.030798262988145534}],"sentiment":"neutral","sentiment_score":0.031264705317361016,"channel":1,"num_words":14,"start":48.105,"end":50.665},{"sentences":[{"text":"okay.","start":50.655,"end":51.155,"sentiment":"neutral","sentiment_score":0.06555906683206558}],"sentiment":"neutral","sentiment_score":0.06555906683206558,"channel":0,"num_words":1,"start":50.655,"end":51.155},{"sentences":[{"text":"have a look at it for you anyway.","start":50.665,"end":52.125,"sentiment":"neutral","sentiment_score":0.06702894833870232}],"sentiment":"neutral","sentiment_score":0.06702894833870232,"channel":1,"num_words":8,"start":50.665,"end":52.125},{"sentences":[{"text":"Oh,","start":52.574997,"end":52.815,"sentiment":"neutral","sentiment_score":0.10084724426269533}],"sentiment":"neutral","sentiment_score":0.10084724426269533,"channel":0,"num_words":1,"start":52.574997,"end":52.815},{"sentences":[{"text":"Yep.","start":52.664997,"end":53.164997,"sentiment":"neutral","sentiment_score":0.09559082239866255}],"sentiment":"neutral","sentiment_score":0.09559082239866255,"channel":1,"num_words":1,"start":52.664997,"end":53.164997},{"sentences":[{"text":"okay.","start":52.815,"end":53.214996,"sentiment":"neutral","sentiment_score":0.17795085906982422},{"text":"Beautiful.","start":53.214996,"end":53.714996,"sentiment":"positive","sentiment_score":0.4214210510253906}],"sentiment":"neutral","sentiment_score":0.2996859550476074,"channel":0,"num_words":2,"start":52.815,"end":53.714996},{"sentences":[{"text":"I don't know.","start":53.465,"end":54.204998,"sentiment":"neutral","sentiment_score":0.14570129414399466}],"sentiment":"neutral","sentiment_score":0.14570129414399466,"channel":1,"num_words":3,"start":53.465,"end":54.204998},{"sentences":[{"text":"If you could access that for me, that that would be good.","start":55.17,"end":57.89,"sentiment":"neutral","sentiment_score":0.1666615679860115}],"sentiment":"neutral","sentiment_score":0.1666615679860115,"channel":0,"num_words":12,"start":55.17,"end":57.89},{"sentences":[{"text":"Yep.","start":57.864998,"end":58.17,"sentiment":"neutral","sentiment_score":0.10896778106689452}],"sentiment":"neutral","sentiment_score":0.10896778106689452,"channel":1,"num_words":1,"start":57.864998,"end":58.17},{"sentences":[{"text":"And I'll try to make it quick just so you don't have to wait for too long.","start":57.89,"end":61.43,"sentiment":"neutral","sentiment_score":0.08571293380330591}],"sentiment":"neutral","sentiment_score":0.08571293380330591,"channel":0,"num_words":17,"start":57.89,"end":61.43},{"sentences":[{"text":"No.","start":61.37,"end":61.85,"sentiment":"neutral","sentiment_score":-0.0829833596944809},{"text":"No.","start":61.85,"end":62.17,"sentiment":"neutral","sentiment_score":-0.09129324555397034},{"text":"No.","start":62.17,"end":62.25,"sentiment":"neutral","sentiment_score":-0.0960281938314438},{"text":"No.","start":62.25,"end":62.489998,"sentiment":"neutral","sentiment_score":-0.11937306076288225},{"text":"You're fine, honestly.","start":62.489998,"end":63.71,"sentiment":"neutral","sentiment_score":-0.015560915693640709}],"sentiment":"neutral","sentiment_score":-0.062337229560528486,"channel":1,"num_words":7,"start":61.37,"end":63.71},{"sentences":[{"text":"Okay.","start":64.33,"end":64.83,"sentiment":"neutral","sentiment_score":0.14136072993278503}],"sentiment":"neutral","sentiment_score":0.14136072993278503,"channel":1,"num_words":1,"start":64.33,"end":64.83},{"sentences":[{"text":"Perfect.","start":64.85,"end":65.35,"sentiment":"neutral","sentiment_score":0.3066115975379944}],"sentiment":"neutral","sentiment_score":0.3066115975379944,"channel":0,"num_words":1,"start":64.85,"end":65.35},{"sentences":[{"text":"Yep.","start":65.29,"end":65.689995,"sentiment":"neutral","sentiment_score":0.17044144868850708},{"text":"I'm in, so","start":65.689995,"end":66.909996,"sentiment":"neutral","sentiment_score":0.19273147980372107}],"sentiment":"neutral","sentiment_score":0.1871589720249176,"channel":1,"num_words":4,"start":65.29,"end":66.909996},{"sentences":[{"text":"Perfect.","start":67.09,"end":67.59,"sentiment":"positive","sentiment_score":0.423021137714386}],"sentiment":"positive","sentiment_score":0.423021137714386,"channel":0,"num_words":1,"start":67.09,"end":67.59},{"sentences":[{"text":"good","start":67.689995,"end":67.93,"sentiment":"positive","sentiment_score":0.35593152046203613}],"sentiment":"positive","sentiment_score":0.35593152046203613,"channel":1,"num_words":1,"start":67.689995,"end":67.93},{"sentences":[{"text":"Now","start":67.89,"end":68.39,"sentiment":"positive","sentiment_score":0.3704367876052856}],"sentiment":"positive","sentiment_score":0.3704367876052856,"channel":0,"num_words":1,"start":67.89,"end":68.39},{"sentences":[{"text":"to go.","start":67.93,"end":68.59,"sentiment":"neutral","sentiment_score":0.26780082285404205}],"sentiment":"neutral","sentiment_score":0.26780082285404205,"channel":1,"num_words":2,"start":67.93,"end":68.59},{"sentences":[{"text":"just before I do go any further, just as per usual, just need to let you know that our calls are being recorded for quality and coaching purposes, if that's 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or Matthew need at any point in time, don't hesitate to give me a call.","start":1231.01,"end":1235.27,"sentiment":"neutral","sentiment_score":0.06545999576337636}],"sentiment":"neutral","sentiment_score":0.06545999576337636,"channel":0,"num_words":16,"start":1231.01,"end":1235.27},{"sentences":[{"text":"No worries whatsoever.","start":1235.88,"end":1237.02,"sentiment":"neutral","sentiment_score":0.13388985892136893},{"text":"Thank you so much.","start":1237.24,"end":1238.4601,"sentiment":"positive","sentiment_score":0.6433495879173279}],"sentiment":"positive","sentiment_score":0.4250097040619169,"channel":1,"num_words":7,"start":1235.88,"end":1238.4601},{"sentences":[{"text":"No worries.","start":1238.245,"end":1239.445,"sentiment":"neutral","sentiment_score":0.2031227871775627},{"text":"We'll 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from ICU Financial and a retirement company provide financial advice to customers, emphasizing the importance of reviewing risk profiles and maintaining a high growth portfolio. They also discuss tax benefits and the benefits of a multi-year retirement plan. The speaker emphasizes the importance of keeping the portfolio in alignment and rebalancing it to restore it to its intended asset allocation. They provide guidance on maintaining the hub 24 and updating the recommendation, and offer assistance for any questions or concerns."},"intents":{"segments":[{"text":"Do you still have time to talk to me? I do.","start_word":39,"end_word":49,"intents":[{"intent":"Request call back","confidence_score":0.0065390803}]},{"text":"Now can you see that cover page for me, Jane, where it says Yes. statement of advice? Yeah.","start_word":295,"end_word":312,"intents":[{"intent":"See cover page","confidence_score":0.0006111674}]},{"text":"So, obviously, similar to Matthew, every time we do make a recommendation on any financial products and make tailored financial advice, We have to put everything in a statement of advice for you just to make sure that you fully understand everything.","start_word":316,"end_word":357,"intents":[{"intent":"Organize financial products","confidence_score":0.00037442928}]},{"text":"And the pages you kind of just scroll through is just just kind of what we touched on doing the annual review. This shows your insurance again with Clearview and just, like, your assets and a bit about you.","start_word":688,"end_word":726,"intents":[{"intent":"Scroll through pages","confidence_score":0.25143743}]},{"text":"We are maintaining that high growth portfolio for you for the for the time being anyway in order to try to maximize that growth for you. So not Yep.","start_word":782,"end_word":810,"intents":[{"intent":"Maximize growth","confidence_score":0.088607654}]},{"text":"Now, basically, what you scroll through is just kind of outlining the recommendation in words for you of why the recommendation does align with that best interest duty. Also, advantages.","start_word":851,"end_word":880,"intents":[{"intent":"Outline recommendations","confidence_score":0.13630469}]},{"text":"Which shows you your current super balance. It also shows you the fees associated. So admin fees would have 24 investment fees with your investments, adviser fees, and contributions from your employer as well as well as those insurances. Now Yep.","start_word":949,"end_word":989,"intents":[{"intent":"Provide financial information","confidence_score":0.00019452043}]},{"text":"So it still shows that your current portfolio hasn't done too bad. But with the recommended, it has performed a little bit better, which is good, which you can see in the column next to it.","start_word":1130,"end_word":1165,"intents":[{"intent":"Discuss portfolio performance","confidence_score":0.015796036}]},{"text":"And it does show you by just putting in that thousand dollars a year, improving the returns a little bit and reducing those fees, everything does Excuse me.","start_word":1844,"end_word":1871,"intents":[{"intent":"Optimize returns and reduce fees","confidence_score":0.00828986},{"intent":"Improve returns and reduce fees","confidence_score":0.07360472},{"intent":"Show and compare investment results","confidence_score":0.0001354645}]},{"text":"And what we have done instead is then introducing the BetaShares Australia two hundred, which is the second one from the bottom. Bottom.","start_word":2126,"end_word":2148,"intents":[{"intent":"Introduce betashares australia two hundred","confidence_score":0.22723056}]},{"text":"So because of that, it will be a little bit smoother than the Benelon, which they are kind of actively buying and selling different investments in order to try to outperform the market. Does that make Yep.","start_word":2250,"end_word":2286,"intents":[{"intent":"Streamline investments","confidence_score":0.00038997174}]},{"text":"the last thing I do wanna mention is on page 26 when it comes to remuneration. So like I mentioned during the annual review, and because, obviously, Matthew is a client, you guys are on that reduced couple fee of 1.1% instead Yep. of that 1.65, making it a little bit cheaper for you.","start_word":2891,"end_word":2944,"intents":[{"intent":"Educate about remuneration and fees","confidence_score":0.00003059676}]},{"text":"Which basically takes us to the end. It then summarizes what the recommendation is, which is to maintain your hub 24. It's still doing really well for you. Just change those two investments, rebalance your portfolio a little bit, and then make that government co Yep. contribution at the end of their financial year as well. Perfect.","start_word":3100,"end_word":3156,"intents":[{"intent":"Rebalance portfolio","confidence_score":0.008730237}]}]},"sentiments":{"segments":[{"text":"Hello?","start_word":0,"end_word":0,"sentiment":"neutral","sentiment_score":0.04877539724111557},{"text":"Good morning.","start_word":1,"end_word":2,"sentiment":"positive","sentiment_score":0.34163832664489746},{"text":"Is this Jane? It is. How are you?","start_word":3,"end_word":10,"sentiment":"neutral","sentiment_score":0.2025622725486755},{"text":"Good. It's Veronica from ICU Financial.","start_word":11,"end_word":16,"sentiment":"positive","sentiment_score":0.3720678687095642},{"text":"How are you going, Veronica? Good. I forgot How are you you? were ringing. Sorry.","start_word":17,"end_word":31,"sentiment":"neutral","sentiment_score":0.15604136884212494},{"text":"I'm good. Thank you. That's all good.","start_word":32,"end_word":38,"sentiment":"positive","sentiment_score":0.5326963663101196},{"text":"Do you still have time to talk to me? I do. Yes. Sorry. I Yes. just got back in the car, so it just slipped over.","start_word":39,"end_word":64,"sentiment":"neutral","sentiment_score":0.04250999167561531},{"text":"That's all good. Thank you.","start_word":65,"end_word":69,"sentiment":"positive","sentiment_score":0.49765756726264954},{"text":"No. Good. It won't take too long today because it's pretty straightforward and especially because you were listening to to Matthew as well. Yep. I can make it a little bit quicker for you. Yep. Now what I have done is I've just sent you an email with the recommendation. But, obviously, if you're driving, please don't access it at the moment because it wouldn't be safe to do so. And then, obviously Alright. So I've only just got in the car, so I'll be able to okay. have a look at it for you anyway. Oh, Yep. okay.","start_word":70,"end_word":168,"sentiment":"neutral","sentiment_score":0.06813155114650726},{"text":"Beautiful.","start_word":169,"end_word":169,"sentiment":"positive","sentiment_score":0.4214210510253906},{"text":"I don't know. If you could access that for me, that that would be good. Yep. And I'll try to make it quick just so you don't have to wait for too long. No. No. No. No. You're fine, honestly. Okay. Perfect. Yep. I'm in, so Perfect. good Now to go. just before I do go any further, just as per usual, just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. No Yep. worries. Perfect. And even though I can hear it's you, can I just get you to confirm full name, date of birth, and address, Yep. Jane Marie Whitney. 09/1984. 9 Girawin Drive, Marangaroo, New South please? Wales 2790. Yep. Beautiful. Now can you see that cover page for me, Jane, where it says Yes. statement of advice? Yeah. Perfect. Yep. So, obviously, similar to Matthew, every time we do make a recommendation on any financial products and make tailored financial advice, We have to put everything in a statement of advice for you just to make sure that you fully understand everything.","start_word":170,"end_word":356,"sentiment":"neutral","sentiment_score":0.08437588002114373},{"text":"A lot of it is just the compliance, and today is pretty straightforward.","start_word":357,"end_word":369,"sentiment":"positive","sentiment_score":0.4849143624305725},{"text":"So I'll just go through, obviously, the main points, and then you always have access to how to re have a read over everything as well if you do have any questions, Yep. but it is pretty straightforward Yeah. No to worries. me. Yep. Yep. Now on Not the cover a problem. page, you will see my details listed. You will see my authorized representative number, and I am a licensed under OQ Financial. You see all our contact details on where we are located if you're ever in the area and wanna stop by. That's Yep. all there for you. No worries. Now on the second page, it talks about that best interest duty, which basically means that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation. Does that make sense, Jay? Yep. Yep.","start_word":370,"end_word":531,"sentiment":"neutral","sentiment_score":0.15298818051815033},{"text":"Perfect.","start_word":532,"end_word":532,"sentiment":"positive","sentiment_score":0.43703457713127136},{"text":"Now what I will get you to do is just to kind of scroll through for me. You will see table of content. Pretty self explanatory. You will then Yep. get through where it says scope of advice. Can you Yep. see that? Yep. Yep.","start_word":533,"end_word":577,"sentiment":"neutral","sentiment_score":0.1315072625875473},{"text":"Perfect.","start_word":578,"end_word":578,"sentiment":"positive","sentiment_score":0.3624747395515442},{"text":"Basically, what this means is just the areas we are looking at today. So, basically, just reviewing your superannuation just to make sure everything is structured appropriately for you and having a look at Yep. those investments if we wanted to make any tweaks and changes to anything to put you in a better position. Otherwise, we are not making any changes to insurances or or anything else. It is mainly just focusing on that superannuation today. Mhmm. Yep.","start_word":579,"end_word":657,"sentiment":"neutral","sentiment_score":0.1835593283176422},{"text":"Perfect.","start_word":658,"end_word":658,"sentiment":"positive","sentiment_score":0.338703453540802},{"text":"No worries. Now if Yep. you can scroll for me down through page nine. It should say Nine. your risk profile. Yes. There it is. Yep. I see. And the pages you kind of just scroll through is just just kind of what we touched on doing the annual review. This shows your insurance again with Clearview and just, like, your assets and a bit about you. That was basically what you scrolled through. But for the risk Yep. profile, it does talk about how you are currently invested because you do have plenty of time until retirement and are kind of comfortable seeing a bit of those short term volatility in order to try to grow that super as much as possible.","start_word":659,"end_word":781,"sentiment":"neutral","sentiment_score":0.136610875527064},{"text":"We are maintaining that high growth portfolio for you for the for the time being anyway in order to try to maximize that growth for you.","start_word":782,"end_word":807,"sentiment":"positive","sentiment_score":0.5096328854560852},{"text":"So not Yep. making any changes to your risk tolerance, maintaining that high growth. Now if you can scroll for me down to page see here. 19. 19. Yep. Yep. It should be a table where it says fee comparison. Yep. Yep.","start_word":808,"end_word":849,"sentiment":"neutral","sentiment_score":0.059373486787080765},{"text":"Perfect.","start_word":850,"end_word":850,"sentiment":"positive","sentiment_score":0.5525116920471191},{"text":"Now, basically, what you scroll through is just kind of outlining the recommendation in words for you of why the recommendation does align with that best interest duty. Also, advantages. With the recommendation, some risks and disadvantages to be mindful of, but I often find that seeing this in front of you is kind of the easiest way sometimes to look at it, which kind of summarizes those pages that you did scroll through. Basically, Yes. what you can see, you can see your current situation. Can you see that column where it says current? Yep. Yep.","start_word":851,"end_word":947,"sentiment":"neutral","sentiment_score":0.18238189816474917},{"text":"Perfect.","start_word":948,"end_word":948,"sentiment":"positive","sentiment_score":0.5141586065292358},{"text":"Which shows you your current super balance. It also shows you the fees associated. So admin fees would have 24 investment fees with your investments, adviser fees, and contributions from your employer as well as well as those insurances. Now Yep. it then shows us the total cost, and then you can Yep. also see your high growth return. So Yes. what we do like to use is the five year rolling average. So it's using a five year period, averaging it that out to give us a yearly kind of average. The reason we do that is because it gives us more certainty of what has happened in the market and the portfolio than Yes. if we just used a single twelve month period. Because depending on when we just used twelve months, it would have looked like you've won the lottery, whereas other years Yep. wouldn't Yep. have been as good. So giving, like, a longer period of time and averaging it out, it just gives us a little bit more certainty. Does that make sense? Yep.","start_word":949,"end_word":1127,"sentiment":"neutral","sentiment_score":0.16497809310865136},{"text":"Yeah. Perfect. So it still shows that your current portfolio hasn't done too bad. But with the recommended, it has performed a little bit better, which is good, which you can see in the column next to it.","start_word":1128,"end_word":1165,"sentiment":"positive","sentiment_score":0.5172805190086365},{"text":"Now it's Yep. not making drastic changes. It's just a couple of changes, which I will go through with the investment. But just by making those minor changes, it still makes a difference of about 1.72%, which with Yep.","start_word":1166,"end_word":1204,"sentiment":"neutral","sentiment_score":0.23969519138336184},{"text":"compounding does make a pretty big difference.","start_word":1205,"end_word":1211,"sentiment":"positive","sentiment_score":0.36241868138313293},{"text":"Yep. Yep.","start_word":1212,"end_word":1213,"sentiment":"neutral","sentiment_score":0.22826096415519712},{"text":"Now the other thing to to note is that with changing the investments, it is making things a bit cheaper for you. So you can see that the difference is about $329 per year, and that is simply just reducing the investment fees.","start_word":1214,"end_word":1256,"sentiment":"positive","sentiment_score":0.3753795921802521},{"text":"So no other Yep.","start_word":1257,"end_word":1260,"sentiment":"neutral","sentiment_score":0.3095632493495941},{"text":"changes, just reducing those investment fees, which is nice. That's good. Thank you.","start_word":1261,"end_word":1273,"sentiment":"positive","sentiment_score":0.560147762298584},{"text":"Yep.","start_word":1274,"end_word":1274,"sentiment":"neutral","sentiment_score":0.3133069574832916},{"text":"Now the good thing with the investments we have changed for you as well is that at the time we did all the calculations, things can change slightly on a daily because, obviously, prices of investments do go up and down. But there is estimated to be no capital gains tax with making the change, which again is a really good thing.","start_word":1275,"end_word":1336,"sentiment":"positive","sentiment_score":0.39168331027030945},{"text":"Yep. Yep. Perfect. Now, obviously, something to be mindful of is that there is always a level of risk associated with any investment option, but that is why we do use that five year rolling average to provide us with a little bit more certainty. But, obviously, there's no guarantee on performance of what is happening in the world or in the market. Yep. Yep. Perfect. Now what I have also included also included here for you is that government co contribution. And I have put a reminder to kind of touch base with you about June, beginning of June, just Thank to you. just as a little reminder. Yes. Busy busy time of you. Yep. No. That's good. Yes. Thank you. No. Yep.","start_word":1337,"end_word":1460,"sentiment":"neutral","sentiment_score":0.09776340425014496},{"text":"That's all good, which does make a pretty big difference.","start_word":1461,"end_word":1470,"sentiment":"positive","sentiment_score":0.4644058644771576},{"text":"And if you actually want to scroll up for me through Yep. page 16, Yep. it does show you kind of that government co contribution. Because you've already done it, you will be pretty familiar with it, but it is Yep.","start_word":1471,"end_word":1511,"sentiment":"neutral","sentiment_score":0.1774633065229509},{"text":"a very good tax tax effective way for, like, low and middle income earners because Yep. you basically if you're putting in that thousand dollars, the government will contribute 500, which which is really good.","start_word":1512,"end_word":1546,"sentiment":"positive","sentiment_score":0.5293190479278564},{"text":"Yep. Obviously, the things to be mindful of is that if your income exponentially goes up, you might not be eligible for it. So with Yep. the lower income threshold for this financial year, it went up a little bit. So to get Yep. the full 500, the the limit is 49,293. And Yep. if you do between 49 and 64, you can get a a partial benefit, just not the full. So, obviously, that Yep. is something to be mindful of. But if you do it kind of at the end of the financial year as well, you'll have a probably better understanding of, well, are you under the threat threshold or not? So it's always something Yeah. that Yep. can change. But it Yep. is a very good incentive otherwise. Yep.","start_word":1547,"end_word":1679,"sentiment":"neutral","sentiment_score":0.03877586871385574},{"text":"Thank you. Perfect.","start_word":1680,"end_word":1682,"sentiment":"positive","sentiment_score":0.3818773925304413},{"text":"Obviously, something to be mindful of by putting a thousand dollars into super. Obviously, it does reduce your savings or your cash flow, and it is locked in until you meet that condition of release. Yep. No. That's all Yep. good. I've Yep. done it Great. for Perfect. years and years. I just forgot. Yeah. Sorry. No. That's Yep. so good.","start_word":1683,"end_word":1743,"sentiment":"neutral","sentiment_score":0.10844902694225313},{"text":"And it's great that you have because, yeah, it is a fantastic scheme that they have because the percentage of what the government puts in against what you put in is very Yep.","start_word":1744,"end_word":1776,"sentiment":"positive","sentiment_score":0.38986870646476746},{"text":"high, and you can't really get that with any other schemes. I'm sorry. It's Yep. very Yeah. No. good. That's right. Yeah. Thank you. Now if you could scroll down to for me again to page 19, Yep. at the bottom of that page, you should see kind of a different lump sum five and ten years. Can you see that? Yep. Yep. Yep. Yep. Perfect.","start_word":1777,"end_word":1842,"sentiment":"neutral","sentiment_score":0.048146072775125504},{"text":"And it does show you by just putting in that thousand dollars a year, improving the returns a little bit and reducing those fees, everything does Excuse me.","start_word":1843,"end_word":1870,"sentiment":"positive","sentiment_score":0.398670107126236},{"text":"compound.","start_word":1871,"end_word":1871,"sentiment":"neutral","sentiment_score":0.039547231048345566},{"text":"God bless you.","start_word":1872,"end_word":1874,"sentiment":"positive","sentiment_score":0.4337645769119262},{"text":"Yeah.","start_word":1875,"end_word":1875,"sentiment":"neutral","sentiment_score":0.2353106141090393},{"text":"And Thank it still you.","start_word":1876,"end_word":1880,"sentiment":"positive","sentiment_score":0.4646036624908447},{"text":"makes a pretty big Yep. more Yeah. No.","start_word":1881,"end_word":1888,"sentiment":"neutral","sentiment_score":0.17374861240386963},{"text":"That's good. Thank you. Perfect.","start_word":1889,"end_word":1893,"sentiment":"positive","sentiment_score":0.4948631823062897},{"text":"Now the following page for me, Jane, you will then see a little bit more in regards to those Yep. returns. You can see twelve month, three years, five years, and ten years. And you can see Yep. as well that across the twelve, three, and five, the recommended has outperformed. Ten years is very kind of similar, but, obviously, historically, it doesn't always reflect what's going to happen in the future. So looking Yeah.","start_word":1894,"end_word":1968,"sentiment":"neutral","sentiment_score":0.13160330057144165},{"text":"a Yep. bit shorter term, then the recommended has definitely, outperformed, which is great.","start_word":1969,"end_word":1982,"sentiment":"positive","sentiment_score":0.4596694409847259},{"text":"Yep. Yep. Yep.","start_word":1983,"end_word":1985,"sentiment":"neutral","sentiment_score":0.16665413975715637},{"text":"Perfect.","start_word":1986,"end_word":1986,"sentiment":"positive","sentiment_score":0.4511981010437012},{"text":"Now what that actually looks like in terms of the change is the following page, so page 21. Yep. Yep. So this one can look a little bit messy, but it is pretty straightforward. So first, you have the first column is the name of the investments. You have the Yep. kind of special special little card. You have a percentage of how much you currently have in each investment, what Yep. that correlates through in a dollar value, and then you have the buy and sell. So, Yep. basically, the only full change that we are doing is just two investments. Now one of them is the top one where it says the Benelon Australian equity. We are completely selling out of that one. That one was that one that was underperforming a little bit for you. Yeah. And what we have done instead is then introducing the BetaShares Australia two hundred, which is the second one from the bottom. Bottom. Yep. Can you see that? Yep. So, Yep. basically, because we are swapping one Australian investment, we wanted to make sure you still have exposure to the Australian market, just a different Yep. type of investment that's doing a little bit better for you and a little bit cheaper.","start_word":1987,"end_word":2197,"sentiment":"neutral","sentiment_score":0.05593957006931305},{"text":"Now the good thing with the BetaShares Australia two hundred is that it is a bit more diversified in that it does contain the 200 largest companies listed in Australia. So very Okay.","start_word":2198,"end_word":2230,"sentiment":"positive","sentiment_score":0.44670113921165466},{"text":"diversified. As the company grows and gets bigger, it gets added to the 200 and something smaller falls out. So because of that, it will be a little bit smoother than the Benelon, which they are kind of actively buying and selling different investments in order to try to outperform the market. Does that make Yep. sense? Yeah.","start_word":2231,"end_word":2288,"sentiment":"neutral","sentiment_score":0.26696211099624634},{"text":"Beautiful.","start_word":2289,"end_word":2289,"sentiment":"positive","sentiment_score":0.41704261302948},{"text":"The other investment we are just changing you out of is Yep. your one of your defensive investments, and that is the BetaShares Australia Bank Hybrid, which is the third one from the top. They are gradually Yep. phasing that investment out. So it's just swapping that investment through the one at the bottom, which is called the iShares core composite bond, which is just like your defensive fixed interest. Again, it's Yep. just kind of swapping for something similar through to kind of stabilize that portfolio. The rest of the changes of the rest that's highlighted in red and in Yep. black, it is just rebalancing your portfolio. So, Okay. basically, rebalancing. So it is maintaining those investments. It is just kind of shifting the percentage back into alignment. So, for example, if you look at the second one from the top, you can see that your current rate is 7.99%. The target weight is seven. So it is keeping Okay. those investments. It is just rebalancing. Because, basically, over time, different investments do perform differently, which can cause your portfolio to kind of drift away a bit from its intended asset allocation. So, basically, rebalancing, it just involves buying and selling a little bit where it is appropriate to do so to kind of restore everything back into alignment. And by doing Yep. that, it basically just ensures that your investments continue to align with your agreed risk profile, your objectives, and everything like that rather than becoming kind of unintentionally more or less risky Yep. than intended with market fluctuations. Does that make sense, Jane? Yeah. Okay. Beautiful. Do you have any questions so far, or is that pretty straightforward? No. That's all good. Nah. Yep.","start_word":2290,"end_word":2578,"sentiment":"neutral","sentiment_score":0.08436565846204758},{"text":"That's all Yep. good. Thank Perfect. you.","start_word":2579,"end_word":2585,"sentiment":"positive","sentiment_score":0.5880683064460754},{"text":"Now on the next page, you can see a cash account table. Can you see that? Yep. Yep.","start_word":2586,"end_word":2603,"sentiment":"neutral","sentiment_score":0.08132297545671463},{"text":"Perfect.","start_word":2604,"end_word":2604,"sentiment":"positive","sentiment_score":0.3597414493560791},{"text":"Now with hub twenty four, they do have a minimum of 1.25% that needs to be in cash, and that is just to have enough to cover, you know, any fees or anything associated with the account. And we wanna keep Yep. that as close as possible through the the minimum 1.25 because having more money sitting in cash is not gonna go as much as obviously being invested. So it's just kind of Yep. bringing everything back through about 1.25 target as well. But, obviously, it does shift a little bit when you do have contributions getting in, but it will be rebalanced throughout the month as well. Yep. No worries Yep. at all.","start_word":2605,"end_word":2719,"sentiment":"neutral","sentiment_score":0.1418270617723465},{"text":"Perfect.","start_word":2720,"end_word":2720,"sentiment":"positive","sentiment_score":0.4079302251338959},{"text":"Now when it then comes to the asset allocation, that is page 23. You should see a little pie chart and another table. Yep. Yep. Perfect. So what you see here is the second column says risk profile percentage. That is usually what we are aiming for in a high growth portfolio. 90% in those growth investments, 10% in a defensive. Now if you Yep. look at the column next to it, you can see your existing. So at the moment, you have about 92.52 in growth, about seven Yep. point four eight in defensive. So still aligning with your risk profile. And the proposed Yep. is about 91.84 in growth and defensive 8.16. Again, both does align with risk profile, but, obviously, slightly less in growth, slightly more in defensive, which is, again, is really good that you have saved in fees and improved their performance while not taking on any more Yep. risks. Yep.","start_word":2721,"end_word":2876,"sentiment":"neutral","sentiment_score":0.12696129083633423},{"text":"Perfect.","start_word":2877,"end_word":2877,"sentiment":"positive","sentiment_score":0.3529505133628845},{"text":"Now that basically summarizes everything and takes us to the end. The Yep. the last thing I do wanna mention is on page 26 when it comes to remuneration. So like I mentioned during the annual review, and because, obviously, Matthew is a client, you guys are on that reduced couple fee of 1.1% instead Yep. of that 1.65, making it a little bit cheaper for you. No changes Yep. in regards to that. That stays exactly the same.","start_word":2878,"end_word":2956,"sentiment":"neutral","sentiment_score":0.12826387584209442},{"text":"And if you are happy to go ahead with the recommendation, there is no additional fees or charges for that. It is all just part of Yep. that ongoing service.","start_word":2957,"end_word":2986,"sentiment":"positive","sentiment_score":0.3708195686340332},{"text":"Yep.","start_word":2987,"end_word":2987,"sentiment":"neutral","sentiment_score":0.3189077377319336},{"text":"That's fine. Thank you. Yep. Perfect.","start_word":2988,"end_word":2993,"sentiment":"positive","sentiment_score":0.5546621084213257},{"text":"The last thing we do always just let you know as well is when it comes to insurances, so we do get commissions from the insurer, insurer, which is Yep. 22% of the premium ongoing. But that is clear view to the insurer paying us. It is not you paying us. It's Yep. Yep. the same for every single insurer out there, so it does not sway us in any way to recommend one provider over the other. But for compliances, Yep. we have to disclose any commissions we receive so that you are fully aware. Does that make sense? Yep. Yep. Yep. No worries.","start_word":2994,"end_word":3098,"sentiment":"neutral","sentiment_score":0.09840550273656844},{"text":"Perfect.","start_word":3099,"end_word":3099,"sentiment":"positive","sentiment_score":0.4262059032917022},{"text":"Which basically takes us to the end. It then summarizes what the recommendation is, which is to maintain your hub 24.","start_word":3100,"end_word":3120,"sentiment":"neutral","sentiment_score":0.24279017746448517},{"text":"It's still doing really well for you.","start_word":3121,"end_word":3127,"sentiment":"positive","sentiment_score":0.5105814337730408},{"text":"Just change those two investments, rebalance your portfolio a little bit, and then make that government co Yep. contribution at the end of their financial year as well. Perfect. Do you have any questions in regards through any of that, or what are your thoughts? No. That's all good.","start_word":3128,"end_word":3176,"sentiment":"neutral","sentiment_score":0.1727149784564972},{"text":"Thank you.","start_word":3177,"end_word":3178,"sentiment":"positive","sentiment_score":0.3950492739677429},{"text":"That's all good? Okay. Perfect. Yep. So, basically, from here is if you wanted to take some time to have a read over it, you are more than welcome to do so. But if you are happy to go ahead to move forward, it would just be to add a little signature at the bottom there. Just the date and signature, and then it will automatically send it back to me.","start_word":3179,"end_word":3249,"sentiment":"neutral","sentiment_score":0.22017765045166016},{"text":"And that tells me that you are happy with the recommendation, and I will let the team know to go ahead and make that change for you.","start_word":3250,"end_word":3276,"sentiment":"positive","sentiment_score":0.3754833340644837},{"text":"Yep. All done.","start_word":3277,"end_word":3279,"sentiment":"neutral","sentiment_score":0.27441513538360596},{"text":"I've Yep. just signed it and sent it back, so you should be good. Beautiful. Yep. I can see that just came through, which is nice and fast. You have an hour technology sometimes, so that has all all come through.","start_word":3280,"end_word":3320,"sentiment":"positive","sentiment_score":0.4406304657459259},{"text":"Now do you have any questions for me before I let you go and get on with your day otherwise, Jane? No. That's all good. No.","start_word":3321,"end_word":3346,"sentiment":"neutral","sentiment_score":0.16091100871562958},{"text":"Thank you. Okay. Beautiful. Well, thank you so much for your time this morning.","start_word":3347,"end_word":3360,"sentiment":"positive","sentiment_score":0.7118274569511414},{"text":"If there is anything No. that Thank either you. you or Matthew need at any point in time, don't hesitate to give me a call. No worries whatsoever.","start_word":3361,"end_word":3388,"sentiment":"neutral","sentiment_score":0.06648310273885727},{"text":"Thank you so much.","start_word":3389,"end_word":3392,"sentiment":"positive","sentiment_score":0.6367055177688599},{"text":"No worries. We'll speak Will do. See you soon. later. Okay. Bye. Bye. Bye.","start_word":3393,"end_word":3406,"sentiment":"neutral","sentiment_score":0.17434586584568024}],"average":{"sentiment":"neutral","sentiment_score":0.1714619185187826}}}}