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You've got the kids from school now. All all is okay? Yep. Oh, fantastic. Excellent. Now I did have you booked in to go through your annual review. I will try to touch on the points that we need to and go through things as quick as I possibly can, just making sure that we do give you time to ask any questions and assess your circumstances properly there. Okay? Excellent. Before I jump into the call, I do need to let you know we do record our call for quality and training purposes. Are you happy for me to proceed with that? Beautiful. Excellent. And I do also normally send through an email to you just with the annual review documents. Do you have access to your emails there at the moment? If you don't, that's okay. Legend. Excellent. If you're able to open that one up, it should have come through from dana@oakviewfinancial or o do sign. Yes. Yep. That's the one? Yep. No. That's okay. Can you see that's okay. Did the emails come through okay? Yep. Yeah. So if you scroll press the button and go forward to the next document, the first one you should see there is a summary of superannuation and insurances with today's date on that. Just let me know when you can see that one. Yep. Beautiful. Excellent. So it is sort of showing an updated balance in your super there. So your balance sitting at the moment is a $147,002.39 there. Having a bit of a look back at this time last year, your balance then, you were seeing it around about 158,000. So, realistically, looking at this year with the ups and downs in the market, you are down a little bit with regard to your super. It is a 1.65% drop there. That is a lot to do with what's been happening globally within the market. But it's also noted that one of your investments we sorta noticed earlier this year have been under performing a little bit there as well. Do you happen to remember receiving an email from us over the past few months at all just in relation to some of the investments? Or yeah? Excellent. Yeah. That's okay. Essentially, what we had sort of noted was that one of your investments have been along Australian equities, which was meant to be more of an actively managed fund within your portfolio. Manager there hadn't been outperformed against the market. They have been underperforming. So because that was sort of having an effect on you so far, we wanted to sort of look at removing that from your portfolio. So we sent that record of advice out and made the switch. We removed that from your portfolio and put something else in its place. You now have, instead of that investment, the beta shares a 200. This is giving you exposure to the top 200 companies on the ASX. And, essentially, since putting that into place, your super balance is up a little bit more. So you've actually, in the last three months, had a 6% return from that replacement. So it is good. It is showing that your your portfolio is recovering back. When we do see dips in the market, we understand that there are gonna be negative years because of that, but we wanna make sure that when your portfolio is down, it is because of what's happening globally in the market. 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Heath. It's hi, Heath. It's Dana again from Oakey Financial. Is now a better time there for you? I'm good.\n\nHow are you? Oh, you've had a you've had a lot going on. Yeah. All good. You've got the kids from school now.\n\nAll all is okay? Yep. Oh, fantastic. Excellent. Now I did have you booked in to go through your annual review.\n\nI will try to touch on the points that we need to and go through things as quick as I possibly can, just making sure that we do give you time to ask any questions and assess your circumstances properly there. Okay? Excellent. Before I jump into the call, I do need to let you know we do record our call for quality and training purposes. Are you happy for me to proceed with that?\n\nBeautiful. Excellent. And I do also normally send through an email to you just with the annual review documents. Do you have access to your emails there at the moment? If you don't, that's okay.\n\nLegend. Excellent. If you're able to open that one up, it should have come through from dana@oakviewfinancial or o do sign. Yes. Yep.\n\nThat's the one? Yep. No. That's okay. Can you see that's okay.\n\nDid the emails come through okay? Yep. Yeah. So if you scroll press the button and go forward to the next document, the first one you should see there is a summary of superannuation and insurances with today's date on that. Just let me know when you can see that one.\n\nYep. Beautiful. Excellent. So it is sort of showing an updated balance in your super there. So your balance sitting at the moment is a $147,002.39 there.\n\nHaving a bit of a look back at this time last year, your balance then, you were seeing it around about 158,000. So, realistically, looking at this year with the ups and downs in the market, you are down a little bit with regard to your super. It is a 1.65% drop there. That is a lot to do with what's been happening globally within the market. But it's also noted that one of your investments we sorta noticed earlier this year have been under performing a little bit there as well.\n\nDo you happen to remember receiving an email from us over the past few months at all just in relation to some of the investments? Or yeah? Excellent. Yeah. That's okay.\n\nEssentially, what we had sort of noted was that one of your investments have been along Australian equities, which was meant to be more of an actively managed fund within your portfolio. Manager there hadn't been outperformed against the market. They have been underperforming. So because that was sort of having an effect on you so far, we wanted to sort of look at removing that from your portfolio. So we sent that record of advice out and made the switch.\n\nWe removed that from your portfolio and put something else in its place. You now have, instead of that investment, the beta shares a 200. This is giving you exposure to the top 200 companies on the ASX. And, essentially, since putting that into place, your super balance is up a little bit more. So you've actually, in the last three months, had a 6% return from that replacement.\n\nSo it is good. It is showing that your your portfolio is recovering back. When we do see dips in the market, we understand that there are gonna be negative years because of that, but we wanna make sure that when your portfolio is down, it is because of what's happening globally in the market. It's not","paragraphs":[{"sentences":[{"text":"Hi, Heath.","start":4.48,"end":4.88,"sentiment":"neutral","sentiment_score":0.061883099377155304},{"text":"It's hi, Heath.","start":4.88,"end":6.0,"sentiment":"neutral","sentiment_score":0.12489407261212666},{"text":"It's Dana again from Oakey Financial.","start":6.0,"end":7.94,"sentiment":"neutral","sentiment_score":0.131319310516119},{"text":"Is now a better time there for you?","start":8.0,"end":9.76,"sentiment":"neutral","sentiment_score":0.14555311435833573},{"text":"I'm good.","start":9.76,"end":10.32,"sentiment":"neutral","sentiment_score":0.1915709339082241}],"sentiment":"neutral","sentiment_score":0.1349490982081209,"num_words":21,"start":4.48,"end":10.32},{"sentences":[{"text":"How are you?","start":10.32,"end":11.219999,"sentiment":"neutral","sentiment_score":0.21175978581110635},{"text":"Oh, you've had a you've had a lot going 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fantastic.","start":23.525,"end":24.585,"sentiment":"positive","sentiment_score":0.6051867008209229},{"text":"Excellent.","start":24.884998,"end":25.285,"sentiment":"positive","sentiment_score":0.5644146203994751},{"text":"Now I did have you booked in to go through your annual review.","start":25.285,"end":27.525,"sentiment":"neutral","sentiment_score":0.26174263656139374}],"sentiment":"neutral","sentiment_score":0.3081860010113035,"num_words":21,"start":19.845,"end":27.525},{"sentences":[{"text":"I will try to touch on the points that we need to and go through things as quick as I possibly can, just making sure that we do give you time to ask any questions and assess your circumstances properly there.","start":27.525,"end":37.84,"sentiment":"neutral","sentiment_score":0.13584156488863433},{"text":"Okay?","start":37.84,"end":38.34,"sentiment":"neutral","sentiment_score":0.07429364323616028},{"text":"Excellent.","start":39.760002,"end":40.260002,"sentiment":"neutral","sentiment_score":0.3265168070793152},{"text":"Before I jump into the call, I do need to let you know we do record our call for quality and training purposes.","start":40.4,"end":45.164997,"sentiment":"neutral","sentiment_score":0.0961446713494218},{"text":"Are you happy for me to proceed with 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okay.","start":57.96,"end":59.34,"sentiment":"neutral","sentiment_score":-0.013794384151697158}],"sentiment":"neutral","sentiment_score":0.07400479721171516,"num_words":35,"start":48.344997,"end":59.34},{"sentences":[{"text":"Legend.","start":61.24,"end":61.74,"sentiment":"neutral","sentiment_score":0.07983916997909546},{"text":"Excellent.","start":61.88,"end":62.38,"sentiment":"neutral","sentiment_score":0.2142549455165863},{"text":"If you're able to open that one up, it should have come through from dana@oakviewfinancial or o do sign.","start":62.84,"end":68.7,"sentiment":"neutral","sentiment_score":0.10907519569522456},{"text":"Yes.","start":77.744995,"end":78.244995,"sentiment":"neutral","sentiment_score":0.0407157838344574},{"text":"Yep.","start":78.945,"end":79.445,"sentiment":"neutral","sentiment_score":0.022295093163847923}],"sentiment":"neutral","sentiment_score":0.10563190046535886,"num_words":23,"start":61.24,"end":79.445},{"sentences":[{"text":"That's the one?","start":90.159996,"end":91.06,"sentiment":"neutral","sentiment_score":-0.006886571180075407},{"text":"Yep.","start":91.759995,"end":92.259995,"sentiment":"neutral","sentiment_score":-0.013924296014010906},{"text":"No.","start":96.71999,"end":96.96,"sentiment":"neutral","sentiment_score":-0.04670554399490357},{"text":"That's okay.","start":96.96,"end":103.585,"sentiment":"neutral","sentiment_score":-0.021354570984840393},{"text":"Can you see that's okay.","start":104.685005,"end":106.785,"sentiment":"neutral","sentiment_score":0.010857435315847397}],"sentiment":"neutral","sentiment_score":-0.0058092932449653745,"num_words":12,"start":90.159996,"end":106.785},{"sentences":[{"text":"Did the emails come through okay?","start":107.325005,"end":109.025,"sentiment":"neutral","sentiment_score":0.03919072697559992},{"text":"Yep.","start":110.37,"end":110.87,"sentiment":"neutral","sentiment_score":0.04316551983356476},{"text":"Yeah.","start":111.810005,"end":112.21001,"sentiment":"neutral","sentiment_score":0.0810786709189415},{"text":"So if you scroll press the button and go forward to the next document, the first one you should see there is a summary of superannuation and insurances with today's date on that.","start":112.21001,"end":120.770004,"sentiment":"neutral","sentiment_score":0.09314889426935803},{"text":"Just let me know when you can see that 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Hello? How are you? Yeah. That's good. Yeah. Good. Thank you. A bit going on. Yeah. Yeah. Yeah. All good. Yep. Okay. Okay. Perfect. Yeah. That's fine. Yep. All good. Yes. Friday. Yep. Yep. I I could just come sorry. Alright. Damn it. Yeah. Yep. Yep. And she's got signed document. Yep. Yep. Yep. Yes. Possibly. Yeah. I do. Yes. Hello. Yes. Oh, that's good. Yeah. 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Hello? How are you? Yeah. That's good.\n\nYeah. Good. Thank you. A bit going on. Yeah.\n\nYeah. Yeah. All good. Yep. Okay.\n\nOkay. Perfect. Yeah. That's fine. Yep.\n\nAll good. Yes. Friday. Yep. Yep.\n\nI I could just come sorry. Alright. Damn it. Yeah. Yep.\n\nYep. And she's got signed document. Yep. Yep. Yep.\n\nYes. Possibly. Yeah. I do. Yes.\n\nHello. Yes. Oh, that's good. Yeah. 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Hello?\n\nChannel 0: Hi, Heath. It's hi, Heath. It's Dana again from Oakey Financial. Is now\n\nChannel 1: How\n\nChannel 0: a better\n\nChannel 1: are you?\n\nChannel 0: time there for you? I'm\n\nChannel 1: Yeah.\n\nChannel 0: good.\n\nChannel 1: That's\n\nChannel 0: How are\n\nChannel 1: good.\n\nChannel 0: you?\n\nChannel 1: Yeah.\n\nChannel 0: Oh, you've\n\nChannel 1: Good.\n\nChannel 0: had\n\nChannel 1: Thank\n\nChannel 0: a\n\nChannel 1: you.\n\nChannel 0: you've had a lot going on.\n\nChannel 1: A bit going on. Yeah.\n\nChannel 0: Yeah. All good. You've got the kids from school now. All all is okay?\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. All good. Yep.\n\nChannel 0: Oh, fantastic. Excellent. Now I did have you booked in to go through your annual review. I will try to touch on the points that we need to and go through things as quick as I possibly can, just making\n\nChannel 1: Okay.\n\nChannel 0: sure that we do give you time to ask any questions and assess your circumstances properly there. Okay?\n\nChannel 1: Okay. Perfect.\n\nChannel 0: Excellent. Before I jump into the call, I do need to let you know we do record our call for quality and training purposes. Are you happy for me to proceed\n\nChannel 1: Yeah. That's\n\nChannel 0: with that?\n\nChannel 1: fine. Yep.\n\nChannel 0: Beautiful.\n\nChannel 1: All good.\n\nChannel 0: Excellent. And I do also normally send through an email to you just with the annual review documents. Do you have access\n\nChannel 1: Yes.\n\nChannel 0: to your emails there at the moment? If you don't, that's okay.\n\nChannel 1: Friday. Yep.\n\nChannel 0: Legend.\n\nChannel 1: Yep.\n\nChannel 0: Excellent. If you're able to open that one up, it should have come through from dana@oakviewfinancial or o do sign. Yes. Yep.\n\nChannel 1: I I could just\n\nChannel 0: That's the\n\nChannel 1: come\n\nChannel 0: one? Yep.\n\nChannel 1: sorry.\n\nChannel 0: No. That's okay.\n\nChannel 1: Alright.\n\nChannel 0: Can you\n\nChannel 1: Damn\n\nChannel 0: see\n\nChannel 1: it.\n\nChannel 0: that's okay.\n\nChannel 1: Yeah.\n\nChannel 0: Did the\n\nChannel 1: Yep.\n\nChannel 0: emails come through okay?\n\nChannel 1: Yep. And she's got signed\n\nChannel 0: Yep.\n\nChannel 1: document.\n\nChannel 0: Yeah. So if you scroll press the button and go forward to the next document, the first one you should see there is a summary of superannuation and insurances with today's date on that. Just let me know when you can see that one.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. Excellent. So it is sort of showing an updated balance in your super there. So your balance sitting at the moment is a $147,002.39 there.\n\nHaving\n\nChannel 1: Yep.\n\nChannel 0: a bit of a look back at this time last year, your balance then, you were seeing it around about 158,000. So, realistically, looking at this year with the ups and downs in the market, you are down a little bit with regard to your super. It is a 1.65% drop there. That\n\nChannel 1: Yep.\n\nChannel 0: is a lot to do with what's been happening globally within the market. But it's also noted that one of your investments we sorta noticed earlier this year have been under performing a little bit there as well. Do you happen\n\nChannel 1: Yes.\n\nChannel 0: to remember receiving an email from us over the past few months at all just in relation to some of the investments? Or\n\nChannel 1: Possibly. Yeah. I do.\n\nChannel 0: yeah? Excellent. Yeah. That's okay. Essentially, what we had sort of noted was that one of your investments have been along Australian equities, which was meant to be more of an actively managed fund within your portfolio.\n\nManager there hadn't been outperformed against the market. They have been underperforming. So because that was sort of having an effect on you so far, we wanted to sort of look at removing that from your portfolio. So we sent that record of advice out and made the switch. We removed that from your portfolio and put something\n\nChannel 1: Yes.\n\nChannel 0: else in its place. You\n\nChannel 1: Hello.\n\nChannel 0: now have, instead of that investment, the beta shares a 200. This is giving you exposure to the top 200 companies on the ASX. And,\n\nChannel 1: Yes.\n\nChannel 0: essentially, since putting that into place, your super balance is up a little bit more. So you've actually, in the last three months, had a 6% return from that replacement. So it\n\nChannel 1: Oh,\n\nChannel 0: is\n\nChannel 1: that's\n\nChannel 0: good.\n\nChannel 1: good.\n\nChannel 0: It is showing that your your portfolio is recovering back. When we\n\nChannel 1: Yeah.\n\nChannel 0: do see dips in the market, we understand that there are gonna be negative years because of that, but we\n\nChannel 1: Yep.\n\nChannel 0: wanna make sure that when your portfolio is down, it is because of what's happening globally in the market. 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Do you have access Yes. to your emails there at the moment?","start_word":173,"end_word":201,"intents":[{"intent":"Provide access to documents","confidence_score":0.0060970816}]},{"text":"So it is sort of showing an updated balance in your super there. So your balance sitting at the moment is a $147,002.39 there.","start_word":318,"end_word":341,"intents":[{"intent":"Update balance","confidence_score":0.36312684}]},{"text":"So, realistically, looking at this year with the ups and downs in the market, you are down a little bit with regard to your super. It is a 1.65% drop there. That Yep.","start_word":364,"end_word":396,"intents":[{"intent":"Report market impact","confidence_score":0.011080034}]},{"text":"But it's also noted that one of your investments we sorta noticed earlier this year have been under performing a little bit there as well. Do you happen Yes.","start_word":410,"end_word":438,"intents":[{"intent":"Highlight portfolio performance","confidence_score":0.0041148155}]}]},"sentiments":{"segments":[{"text":"Hello? Hello? Hi, Heath. It's hi, Heath. It's Dana again from Oakey Financial. Is now How a better are time you? there for you? I'm Yeah. good. How That's are you? good. Yeah. Oh, you've Good.","start_word":0,"end_word":35,"sentiment":"neutral","sentiment_score":0.15592636168003082},{"text":"had a Thank you.","start_word":36,"end_word":39,"sentiment":"positive","sentiment_score":0.3869328200817108},{"text":"you've had a lot going on. A bit going on. Yeah. Yeah.","start_word":40,"end_word":51,"sentiment":"neutral","sentiment_score":0.17863008379936218},{"text":"All good. You've got the kids from school now.","start_word":52,"end_word":60,"sentiment":"positive","sentiment_score":0.372425377368927},{"text":"All all is okay? Yeah. Yep. Yeah.","start_word":61,"end_word":67,"sentiment":"neutral","sentiment_score":0.20843276381492615},{"text":"All good.","start_word":68,"end_word":69,"sentiment":"positive","sentiment_score":0.34694918990135193},{"text":"Yep.","start_word":70,"end_word":70,"sentiment":"neutral","sentiment_score":0.2602505087852478},{"text":"Oh, fantastic. Excellent.","start_word":71,"end_word":73,"sentiment":"positive","sentiment_score":0.5915960669517517},{"text":"Now I did have you booked in to go through your annual review. I will try to touch on the points that we need to and go through things as quick as I possibly can, just making Okay. sure that we do give you time to ask any questions and assess your circumstances properly there. Okay? Okay.","start_word":74,"end_word":130,"sentiment":"neutral","sentiment_score":0.15984953939914703},{"text":"Perfect.","start_word":131,"end_word":131,"sentiment":"positive","sentiment_score":0.356969952583313},{"text":"Excellent. Before I jump into the call, I do need to let you know we do record our call for quality and training purposes. Are you happy for me to proceed Yeah. That's with that? fine. Yep.","start_word":132,"end_word":168,"sentiment":"neutral","sentiment_score":0.10160982608795166},{"text":"Beautiful. All good. Excellent.","start_word":169,"end_word":172,"sentiment":"positive","sentiment_score":0.3648654818534851},{"text":"And I do also normally send through an email to you just with the annual review documents. Do you have access Yes. to your emails there at the moment? If you don't, that's okay. Friday. Yep. Legend. Yep. Excellent. If you're able to open that one up, it should have come through from dana@oakviewfinancial or o do sign. Yes. Yep. I I could just That's the come one? Yep. sorry. No. That's okay. Alright. Can you Damn see it. that's okay. Yeah. Did the Yep. emails come through okay? Yep. And she's got signed Yep. document. Yeah. So if you scroll press the button and go forward to the next document, the first one you should see there is a summary of superannuation and insurances with today's date on that. Just let me know when you can see that one. Yep. Yep.","start_word":173,"end_word":314,"sentiment":"neutral","sentiment_score":0.062293630093336105},{"text":"Beautiful. Excellent.","start_word":315,"end_word":316,"sentiment":"positive","sentiment_score":0.4458135664463043},{"text":"So it is sort of showing an updated balance in your super there. So your balance sitting at the moment is a $147,002.39 there. Having Yep. a bit of a look back at this time last year, your balance then, you were seeing it around about 158,000. So, realistically, looking at this year with the ups and downs in the market, you are down a little bit with regard to your super. It is a 1.65% drop there. That Yep. is a lot to do with what's been happening globally within the market. But it's also noted that one of your investments we sorta noticed earlier this year have been under performing a little bit there as well. Do you happen Yes. to remember receiving an email from us over the past few months at all just in relation to some of the investments? Or Possibly. Yeah. I do. yeah?","start_word":317,"end_word":466,"sentiment":"neutral","sentiment_score":-0.08129847049713135},{"text":"Excellent.","start_word":467,"end_word":467,"sentiment":"positive","sentiment_score":0.3683178424835205},{"text":"Yeah. That's okay. Essentially, what we had sort of noted was that one of your investments have been along Australian equities, which was meant to be more of an actively managed fund within your portfolio. Manager there hadn't been outperformed against the market. They have been underperforming. So because that was sort of having an effect on you so far, we wanted to sort of look at removing that from your portfolio. So we sent that record of advice out and made the switch. We removed that from your portfolio and put something Yes. else in its place. You Hello. now have, instead of that investment, the beta shares a 200. This is giving you exposure to the top 200 companies on the ASX. And, Yes. essentially, since putting that into place, your super balance is up a little bit more. So you've actually, in the last three months, had a 6% return from that replacement.","start_word":468,"end_word":623,"sentiment":"neutral","sentiment_score":-0.0076539539732038975},{"text":"So it Oh, is that's good. good.","start_word":624,"end_word":630,"sentiment":"positive","sentiment_score":0.3768310248851776},{"text":"It is showing that your your portfolio is recovering back. When we Yeah. do see dips in the market, we understand that there are gonna be negative years because of that, but we Yep. wanna make sure that when your portfolio is down, it is because of what's happening globally in the market.","start_word":631,"end_word":683,"sentiment":"neutral","sentiment_score":0.010109814815223215},{"text":"It's not","start_word":684,"end_word":685,"sentiment":"negative","sentiment_score":-0.5428639054298401}],"average":{"sentiment":"neutral","sentiment_score":0.05123833815256754}}}}