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Let me see. Is that any better, or is it still quite low? Let me see. It does say that I have it on Macs as well. Let me see. Is that any better? No? Yeah. Is that any better? Okay. Okay. Well, let me know if you have any issues, and I'll speak to IT after as well if it's something with my microphone. Because it does say I have it on Mac. But if you can't hear me, just let me know, and I'm just happy to repeat Yeah. Sure. Yes. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay? Yeah. Perfect. And just for security, just so that I can confirm I'm speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please? Yep. Beautiful. Now, Nathan, do you have access to your emails at the moment, or is it a bit tricky if if you're on the phone? Yeah. Okay. Great. It just makes it a bit easier for you if you can see it at the same time. Yep. Great. Now if you same as for the under review, it will ask you to click on the link. It doesn't mean you have to sign right away, but it does allow you to open up and look at the recommendation first. So let me know when you can see the cover page. Okay. Perfect. So, obviously, do you remember the last conversation we had following the under review? But, obviously, we wanted to revisit everything for you, especially your investments now when you are not getting those contributions and staying at home, and also looking at reducing, the risk exposure for you a little bit just so I'm not seeing as much fluctuations. Okay. Perfect. So I have made a recommendation for you, Nathan, and I have put everything in this statement of advice. Now it is quite long, 35 pages, but I won't go through all of that with you. I'll go through the main points, and then I'll let you have a read over it in your own time as well. And then any questions, yeah, you can let me know. Now this has been tailored specifically for you. Now on the cover page, you can see my details listed as well. You can see my authorized representative number there, and I am a licensed under OTU Financial. Now, Nathan, this is just recommendation for you as well. It is completely up to you if you would like to go ahead with the recommendation at the end of the day. Yep. Perfect. Now if you scroll to the second page, can you see a little section where it talks about the best interest duty? Yep. Perfect. Now that one here basically just outlines 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? Yeah. Perfect. Now if you scroll through, you'll see table of content, pretty self explanatory. If you then wanna scroll through to the next page, it talks a little bit about the scoping. So it says scope of advice. Can you see that? Yep. Perfect. So that basically just talks about the sections that we are focusing on today in this statement of advice, but it doesn't mean that there's not other things we can't look at down the track. But simply today, we're keeping it pretty straightforward in reviewing that superannuation for you, making sure that continues to grow, as well as including some information in regards to that estate planning. I know we spoke about it last time doing the under review, but I have included some information on the importance of having that will, the power of attorney, and then also that guardian shift as well if something ever were to happen to you. Yep. Perfect. Now on the next page, you can see, it just says limited scope, and that basically just shows that we're not making any changes or anything into insurances. We are keeping everything the same. Insurances has just been included in this document just to show you that it does have an impact on your superannuation, so, therefore, it kind of has to be factored in, but we're not changing anything. Yep. Now if you can then scroll for me through page seven. So seven and eight. It's just some some personal information in regards to yourself. If you could just have a quick read over that for me just to make sure that all looks good on both pages or if I need to make any changes in the back end for you. And, obviously, savings, that could obviously fluctuate a little bit since when we when we went through it, and that's fine. Yep. Yep. Yes. Okay. Great. Now underneath that, so page nine, you will see just a summary of your current kind of setup. So like we touched on during the annual review, you obviously have your hub 24 where you have majority of the money. You have a little bit in left in MRSA just to keep those insurances active. You have enough in MRSA at the premium is only about that 439, so we don't need to make any changes there for you. Yep. Now if you scroll to the next one, it talks a little bit about your risk profile. Can you see that? Yep. Perfect. So when we kind of discussed your risk profile last time, you were previously or at the moment in that high growth portfolio, But we did consider that maybe just reducing it one step down to growth might be a little bit more suitable for you for where, you know, everything is at for you at the moment. It's still focusing on growth in your superannuation, though, but it does mean a little bit less kind of fluctuations and that volatility, especially when you don't have those contributions going in for the time be. Yep. Perfect. Now if you can scroll down through page 12 for me, it should be a heading where it says retain your Mercer super, retain hub 24, and change underlying investment. Can you see that? Yes. So, basically, the next couple of pages is quite wordy, so I will let you read over that in your own time. But I do wanna kind of summarize that The the page you can see now here, it just kinda puts into words as to why the recommendation is aligning with that best interest duty and putting you in a better position. A lot of things that's obviously been factored in through the recommendation is obviously your your personal circumstances, your risk tolerance, you know, time frame, potential capital gains tax with making changes. And when I did do the research, I did consider other super funds for you as well just to see if there's anyone that's more competitive out there in the market for you. There's nothing tying us to have 24 at all if there is someone else that was going to be more competitive. But for the time being, I have recommend staying in hub twenty four. It is still very competitive when it comes to their fees and features and investment choices. I do use hub twenty four for my personal super as well. So for the time being, I have just recommended that we change some of those investments around, but no need to change the super funds. Does that make sense? Yeah. Perfect. Now as you then scroll through, you will see some advantages, some disadvantages, and some risks associated with this recommendation. But what I usually find is the easiest way to look at it first is if you want to scroll down to page 16 for me. It should have, like, a big table, and it says fee comparison. Yep. Sorry. This one here might look a little bit messy and messy, but it basically summarizes the recommendation. And I I usually find it's a easier way to kind of look at it, seeing all the numbers and how the the little changes that make a pretty big impact. Now if we start start on the current situation, that is the the first kind of versus the current, so kind of like the third or fourth column, it says hub twenty four and Mercer. It shows you at the bottom there your current total fees. So what's kind of the total fees for both accounts. It does then also shows the five year rolling average. So the five year rolling average is then the return on the investment combined for both of those portfolios in a the high growth portfolio. Now on the recommended side, you can see kind of a similar structure. You can see the balance that stays the same in in hub twenty four. So no changes in regards to kind of the side. We have made changes in regards to Hub twenty four. So you can basically see that we're just making a couple of investment changes. It is saving you about the difference there, $375 per year in investment fees, which does make a pretty big difference. Yeah. Now the biggest kind of change is then the return on the investment. So this is using the same period, so the same five year rolling average. And that shows you that the the recommended investment portfolio, even though it is reducing your risk exposure, it has actually outperformed your current portfolio by quite a lot when we are looking at that five year period. Now when we are looking the reason why we do look at a five year rolling average is because it gives us a little bit more certainty of what has happened in the world and to the portfolio and the market. So, obviously, with investment returns, you can't guarantee anything, but that is why we like to use the five year average. So it's basically using a five year period and dividing that, obviously, by five to give you an average of what it has done on a twelve month basis to kind of show you that. Because if I were to use a twelve month period, depending on when I would have done it, some years, it would have looked like you've won the lottery, whereas other years, not so good depending on, obviously, when that tier period would have been. So using that kind of a five year average gives us a little bit more certainty. Does that make sense? Yep. Perfect. Now at the bottom there, you can see a five and ten year difference. Now, also, this, Nathan, is assuming no contributions. So if in, you know, couple of years, you decide that you go back to work part time or whatever it might be or you're in a financial situation that you want to start making contributions, this will obviously compound and make a bigger difference. But this is assuming no contributions going in. Yes. Because that is kind of the current. Correct. They will increase because that obviously means you have more money in, more money to be invested, and then get that return on the investment. So this is kind of being conservative of, well, we don't know exactly when you might go back to work. So I'd rather be more conservative and showing, well, at the time being, if you don't go back or you don't make contributions, then it'd still make a a difference for you. Always not as great with not having contributions, but it still makes a difference. And when you do look at, like, the five year difference, it still shows a difference of about 45,000, which is still pretty crazy by just reducing those fees and improving those returns a little bit for you. Yep. Now the one thing I do wanna let you know is if you look at the top table again where it says fee comparison and you see the balance, and it says the difference of $252. Can you see that? Yes. So what this is is that when we do make recommendations on selling investments that have gone up, there will be some capital gains tax paid. Now that is all within the super environment, so it's not something that you have to pay for, like, directly personally. It's not something you have to declare owing a tax return or anything like that. It's all taken care of within the super environment. But it is something I do wanna let you know that when we do make changes, that will be a little bit of that capital gains tax to come out. Now I've tried to keep it as little as possible for you. Now if, for example, I were to change all of your investments, the capital gains tax would have been about $1,955. So, obviously, trying to reduce that, but at the same time, making sure that we switch out those investments that we may foresee not being the best ones or a little bit higher volatility for you. But we still wanna make sure we do that by still minimizing that capital gains tax for you. Yep. But even with the capital gains tax that you save more in fees, and that's just like a one off capital gains tax fee as well. And that's the yearly fee difference between the investments. You will you will save more than that. Just Yeah. That does that make sense so far? Yeah. Okay. Perfect. Now on the next page, so page 17, I have included just a little bit longer time frame for you for your, which obviously stays the same as a comparison, your current hub 24, and then the recommended in hub 24 as well. And you can see that across all periods, the recommended in hub 24 has outperformed both Mercer and your your current portfolio as well, which is good when we are still considering twelve, three, and five. Yes. Any questions so far? Nope. That makes sense. Perfect. Now the next page is another table which can be confusing, which is page 18. Now this essentially highlights the changes in the investments that I have recommended. So, basically, how to look at it, you see your investment name. So that is basically what they're called. You have the kind of special code for that investment. You then weight, so how much you actually have in that individual investment, what that translates through from a dollar value, and then you have the buy and sell column. So this one here, what is highlighted in red is what I have recommended that we change, that we sell. What's in black is either what we are keeping in your portfolio or increasing or adding to your portfolio. Does that make sense? Yep. You then have your target weight, so how much we are aiming for in a percentage, and then what that looks like from the dollar value. So at the top, Mercer, that stays the same for those insurances, but underneath it is then what I have recommended that we change. So with your investments, the kind of philosophy of how we structure investments hasn't changed. So we are still using that core and satellite approach to investing. Have you ever heard of that before, Nathan? No. So, basically, what it means is that we invest majority of the funds in what we call, like, your core, which basically represents the backbone of the portfolio and are essentially kind of like your your biggest shareholding. These are very diversified investment options that have done really well in the past. So, for example, you can see that these are the ones that's the biggest allocation allocated through them. So you can see, for example, at 30%, you have iShares S and P five hundred. Can you see that? Yeah. So you had already 29.29% in that investment option. It's just kind of rounding it up to 30%. Now this one here is very diversified because it invests in the 500 largest companies listed in The US. So you have a very good exposure to all the big companies like Apple, Microsoft, Amazon. Yes. Very diversified of having 500 companies in that one single investment. Yep. Now what we then have another of your core options is what we have changed. So you had before Benelon Australian Equity, which is, like, at the top there where it's, like, the minus 29,000. That was that one I touched on during the under review that we wanted to look at changing out of that was underperforming. So instead of that one, we've included at the bottom on this table, you say beta shares Australia 200. Can you see that? At 20%. So this one invests in the 200 largest companies listed on the ASX. So in Australia. So you'll have companies like, you know, Commonwealth and BHP and Woolworths, all the big companies. Again, very diversified, but not in The US, here in Australia. Yep. Now what you then also have is some of the kind of defensive investments because we wanna increase the exposure to your defensive a little bit. So if you scroll down, this table kind of spills over through two pages. So the next page, you can see gold and then iShares core composite bond. Can you see that? Yeah. So, obviously, you have your gold, which is a very good kind of stable investment investment when there are a bit of market fluctuations. So it's allocating about 10% of your kind of defensive alternative investments to gold, kind of stabilizing a little bit for you. And then the 14% at the bottom is, like, your fixed interest, again, to kinda give you that defensive element of limit fluctuations a little bit. Now if you scroll back up to that table we were on page 18 again, the rest of your investments are kind of what we call your satellite investment. Now what that is is kind of your more dynamic and specialized investments. They kind of target specific sectors or regions or assets to kinda maximize that growth for you. But they can be a little bit more volatile, and that is why they only represent a smaller portion, but not as much. Yet. So and we've reduced this a little bit for you for because in that high growth, you have a little bit more exposure to those satellite investments. In the growth, you have a little bit less. So you can see, for example, the first one of 5% is the beta share cybersecurity. You already have that one in your portfolio. We're just reducing it down to 5%. We then have 8% in shares Europe. You already have that one again in your investment. It is just kind of increasing at up to eight percent. Again, we want to make sure that your portfolio is very diversified and not just dependent on just The US or Australia. We wanna kind of have you spread across the world as well to give you that diversification. Now other investments, you can then see at the bottom of this page, you have 5% added to Japan and then 8% to one investment. That's called your Vanguard All World. You may have heard of Vanguard before. They're quite big as well. Yes. So that one here is essentially invest in companies all around the globe, but it excludes The US because you already have quite a bit of exposure to The US in that iShares S and P 500. So we also wanna make sure we don't have too much in in one market. So it basically excludes The US, but it basically excludes The US, but invest everywhere else. Does that does that make sense? Yeah. Perfect. Now if you wanted to go and have a bit of a read over these investments in your in your own time whenever you have a spare moment, In the appendix, I have included investment links to each and every single one of these investments. So there's that full transparency for you that you can click on and have a read over if you would like as well. Yep. Now on the page 19, you can then kind of see a a cash account table. Can you see that? Yep. So with hub twenty four, you have to have a minimum of 1.25% of the funds in cash just to kind of account for fees and and stuff like that. Now we wanna keep it as close to that 1.25 as possible because, obviously, the cash isn't gonna grow near as much as your investments. So that's basically what this shows that we're trying to aim at as close to that 1.25 as possible. Yep. Now the next page shows you the asset allocation. So, again, another table, but it shows you your risk profile first. So you can see that kind of 80% of growth, 20 in defensive. It does vary a little bit depending on market fluctuations, but keeping it around that. You can then see your existing. So you can see that currently, you're in 88.72 growth and then 11.28 in defensive. And you can then see that the proposed, you can see, is a little bit higher in those defensive investments and reducing that growth down a little bit for you. Yep. Which, again, is very good that the recommended growth has still outperformed your your high growth. Because, typically, when we're talking about a longer period of time, we can we tend to see high growth outperforming a little bit, but then you don't have as much fluctuations in the growth. But in this instance, it's very good that the portfolio has kind of been targeted for diversification and to limit those fluctuations while still making sure we are targeting growth because we still wanna make sure that your money is working hard for you when you are not contributing. Yep. Now the next couple of pages talks about that estate planning. So I will kind of let you have a read over it. It is something I always tell everyone to consider, and I know we talked about it the the during the annual review, but it does talk about setting up a will, the importance of setting up a will. It also talks about power of attorney. So on page 24, it talks about the different types of power of attorney that you can make and, again, the benefits and stuff in regards to making a power of attorney nomination, things to be mindful of. And then you also have in regards to guardian importance of considering this as well as part of kind of the estate planning if something ever were to happen to you. So that's just basically there for you so you can have a bit of a read over it. Now you will then have ongoing services, so page 28, if you can see that. Yep. Perfect. So, again, we kinda touched on this during the annual review, whereas, obviously, we wanna make sure that we always touch base and reassess the advice depending on what is going on for you. So the minimum is obviously the under review where we reassess everything. But if anything changes for you, just let me know because we can definitely do a lot more catch up than just yearly just to make sure, obviously, everything continues to align and, obviously, that you are happy. And if you need any other advice or guidance or any anything else, then just just give us a call. Yeah. Perfect. Now the last thing is just then in regards to remuneration, which is page 30. Now like I touched on again during the under review, there is no changes whatsoever in regards to that fee structure. That stays exactly the same at 1.65, and that was factored into those projections I showed you earlier as well. So it still shows you yeah. So that shows you everything of making sure that even though you are not contributing, that the return on the investment will outperform, you know, any fees, adviser fees, platform fees, insurances, everything to make sure that everything still continues to grow and move forward for you. Yep. Now like I said again, doing the under review, not a lock in contract. So if at any point in time, things change for you or if you are not happy, it's not like you're locked in to a twelve month period. You can call us whenever you want to if you are not happy or if you wanna reassess anything. Yes. Because so much could have changed. And, obviously, because there will be a period of time where, let's say, we are not managing it. But let's say you were to go, no. I don't want to stay on as a client anymore. But let's say you wanted to roll through Australia, for example, or stay in Hub 24 but manage, obviously, all your investments yourself. Then what also happens in Hub twenty four is if you don't have an adviser attached to it, they will move you to a different product menu, and you don't have the same kind of selection when it comes to investment. But let's say you wanted to to do that yourself for, let's say, twelve months, then when you kind of if you come back and say, oh, okay. Well, I'm back working, and and everything is you know, I wanna consider all of that for you, then we we couldn't, but we have to reassess everything again. So we would have to do, like, the full onboarding, new applications for everything because we don't really know, obviously, what could have happened to all your investments, your advice, and everything, making sure it stays aligned with you. So yes. Yeah. So it's definitely possible. There's no exit fees or anything like that, but it would basically mean if you decide to leave, we'll fees or anything like that, but it would basically mean if you decide to leave, then come back on board. We would have to kind of do everything at the start as well for you. But, yes, you are not locked in at any point in time. So, yeah, if anything changes or you guys decide to move overseas or whatever it might be, it's not like you're locked in at all. Yeah. Now, also, obviously, this all part of the ongoing advising. So if you, obviously, take a moment to have a read over it. If you have any questions, let me know. If you do have a read over it and you are happy, to give it a go and see how things are going, it would then be just to sign those documents digitally same as for the under review. It will then automatically send it back to me, and that would let me know that you are happy with the recommendation, and I will let the investment team know. There's no additional fees or charges with it, though. So it's not like an additional fees. If you wanted to go ahead with the changes, it is all part of that ongoing advice fee. So no additional fees and charges. Yeah. Yes. Correct. Correct. Correct. This is why we the balance because things do fluctuate on a So, yes, even if, let's say let's say, you sign the documents tomorrow and then we were to place a trade the following day and your super has gone up, it's the same. It's all kind of realigned to your balance at the time. Yes. Yeah. Well, that's a good question. Mhmm. Yes. Yep. Yes. Yeah. Yes. Yes. The capital gains tax will be the big one, which would be so in the alternative, if you wanna scroll up to page 15 for me. Yep. Alternatives considered. So I did consider other super funds for you, and some were one, the more kind of more competitive was my north, but we also consider, like, all super, and we consider a lot of funds because, again, there's nothing tying us to hub twenty four. But we do research on all the options just to see whatever is best for you. And because, obviously, your super has gone up a bit since you came on board, which is great, the downside is that capital gains tax. So if you were to say tomorrow, you go, now I wanna roll out to Australian super, that capital gains tax would be applicable. It would, again, all be within the super environment, but that would be about that 1,955 for the capital gains tax. And then you also have, like, brokerage fees to sell investments. There's not, like, exit fees to leave. It would just be in regards to selling down your investments. That would be the thing. But, yeah, capital gains tax is is a big thing that we do consider. Yeah. Yes. Yeah. And I'm I'm glad you did because sometimes people might might think they're like, oh, that's it. And then it's like, well, let's say if 5,000 came out intact, they go, oh, I didn't know that. I was like, yeah. That's why we do the research for you as well through make sure at the end of the day, we factor in everything. And you know? Yeah. Yes. Definitely. And like I said, that's not to say that forever HubSpot will be the best option because you never know. Like, there could be six months or a year or two years or whatever it might be that another very competitive option comes out that is very cheap, then we would research and consider if that's going to be the best for you. But, again, we would factor in, okay, what are the returns on the investments, what are the fees, what are capital gains? Like, you would factor in kind of a holistic approach before deciding if that is going to be the best, which is kind of where this statement of advice and everything comes into place. It takes a while to obviously put together all the research, but it's through making sure that the recommendations we do make are in best interest for you also puts you in that better position. So it's not just a matter of, oh, okay. We'll just do this. It's a lot that goes in from a compliance point and making sure that you are looked after at the end of the day before we, you know, make a recommendation. And it's the same, like, I can't just tell you straight away, oh, yeah. Do this. We'd have to obviously do all the research and making sure that's the best for you before we can officially be, yes. I recommend you do this because of x y zed. Yeah. Now any other questions for me, Nathan? No? No. Good. Now I'm sure you're you're busy. So I will leave this document with you. Now take your time. Have a read over it. Like I said, any questions or anything, just give me a call or send me an email, and we can always book in another follow-up to go through it. Otherwise, if you do have a read through it and you are happy with the the recommendation, like I said, to move forward, it would just be to add that signature digitally, and then it will automatically come back to me, and then we will process everything for you. No problem at all. Thank you so much for your time today, Nathan, and I hope you enjoy the rest of your afternoon. Mhmm. No worries. We're fixing. 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afternoon. Is this Nathan? Yeah. Good. It's Veronica from IQ Financial.\n\nHow are you? That's good. How's your day been? Okay. Let me see if I can turn that up for you.\n\nOh, really? Okay. Let me see. Is that any better, or is it still quite low? Let me see.\n\nIt does say that I have it on Macs as well. Let me see. Is that any better? No? Yeah.\n\nIs that any better? Okay. Okay. Well, let me know if you have any issues, and I'll speak to IT after as well if it's something with my microphone. Because it does say I have it on Mac.\n\nBut if you can't hear me, just let me know, and I'm just happy to repeat Yeah. Sure. Yes. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay?\n\nYeah. Perfect. And just for security, just so that I can confirm I'm speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please? Yep. Beautiful.\n\nNow, Nathan, do you have access to your emails at the moment, or is it a bit tricky if if you're on the phone? Yeah. Okay. Great. It just makes it a bit easier for you if you can see it at the same time.\n\nYep. Great. Now if you same as for the under review, it will ask you to click on the link. It doesn't mean you have to sign right away, but it does allow you to open up and look at the recommendation first. So let me know when you can see the cover page.\n\nOkay. Perfect. So, obviously, do you remember the last conversation we had following the under review? But, obviously, we wanted to revisit everything for you, especially your investments now when you are not getting those contributions and staying at home, and also looking at reducing, the risk exposure for you a little bit just so I'm not seeing as much fluctuations. Okay.\n\nPerfect. So I have made a recommendation for you, Nathan, and I have put everything in this statement of advice. Now it is quite long, 35 pages, but I won't go through all of that with you. I'll go through the main points, and then I'll let you have a read over it in your own time as well. And then any questions, yeah, you can let me know.\n\nNow this has been tailored specifically for you. Now on the cover page, you can see my details listed as well. You can see my authorized representative number there, and I am a licensed under OTU Financial. Now, Nathan, this is just recommendation for you as well. It is completely up to you if you would like to go ahead with the recommendation at the end of the day.\n\nYep. Perfect. Now if you scroll to the second page, can you see a little section where it talks about the best interest duty? Yep. Perfect.\n\nNow that one here basically just outlines 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? Yeah. Perfect.\n\nNow if you scroll through, you'll see table of content, pretty self explanatory. If you then wanna scroll through to the next page, it talks a little bit about the scoping. So it says scope of advice. Can you see that? Yep.\n\nPerfect. So that basically just talks about the sections that we are focusing on today in this statement of advice, but it doesn't mean that there's not other things we can't look at down the track. But simply today, we're keeping it pretty straightforward in reviewing that superannuation for you, making sure that continues to grow, as well as including some information in regards to that estate planning. I know we spoke about it last time doing the under review, but I have included some information on the importance of having that will, the power of attorney, and then also that guardian shift as well if something ever were to happen to you. Yep.\n\nPerfect. Now on the next page, you can see, it just says limited scope, and that basically just shows that we're not making any changes or anything into insurances. We are keeping everything the same. Insurances has just been included in this document just to show you that it does have an impact on your superannuation, so, therefore, it kind of has to be factored in, but we're not changing anything. Yep.\n\nNow if you can then scroll for me through page seven. So seven and eight. It's just some some personal information in regards to yourself. If you could just have a quick read over that for me just to make sure that all looks good on both pages or if I need to make any changes in the back end for you. And, obviously, savings, that could obviously fluctuate a little bit since when we when we went through it, and that's fine.\n\nYep. Yep. Yes. Okay. Great.\n\nNow underneath that, so page nine, you will see just a summary of your current kind of setup. So like we touched on during the annual review, you obviously have your hub 24 where you have majority of the money. You have a little bit in left in MRSA just to keep those insurances active. You have enough in MRSA at the premium is only about that 439, so we don't need to make any changes there for you. Yep.\n\nNow if you scroll to the next one, it talks a little bit about your risk profile. Can you see that? Yep. Perfect. So when we kind of discussed your risk profile last time, you were previously or at the moment in that high growth portfolio, But we did consider that maybe just reducing it one step down to growth might be a little bit more suitable for you for where, you know, everything is at for you at the moment.\n\nIt's still focusing on growth in your superannuation, though, but it does mean a little bit less kind of fluctuations and that volatility, especially when you don't have those contributions going in for the time be. Yep. Perfect. Now if you can scroll down through page 12 for me, it should be a heading where it says retain your Mercer super, retain hub 24, and change underlying investment. Can you see that?\n\nYes. So, basically, the next couple of pages is quite wordy, so I will let you read over that in your own time. But I do wanna kind of summarize that The the page you can see now here, it just kinda puts into words as to why the recommendation is aligning with that best interest duty and putting you in a better position. A lot of things that's obviously been factored in through the recommendation is obviously your your personal circumstances, your risk tolerance, you know, time frame, potential capital gains tax with making changes. And when I did do the research, I did consider other super funds for you as well just to see if there's anyone that's more competitive out there in the market for you.\n\nThere's nothing tying us to have 24 at all if there is someone else that was going to be more competitive. But for the time being, I have recommend staying in hub twenty four. It is still very competitive when it comes to their fees and features and investment choices. I do use hub twenty four for my personal super as well. So for the time being, I have just recommended that we change some of those investments around, but no need to change the super funds.\n\nDoes that make sense? Yeah. Perfect. Now as you then scroll through, you will see some advantages, some disadvantages, and some risks associated with this recommendation. But what I usually find is the easiest way to look at it first is if you want to scroll down to page 16 for me.\n\nIt should have, like, a big table, and it says fee comparison. Yep. Sorry. This one here might look a little bit messy and messy, but it basically summarizes the recommendation. And I I usually find it's a easier way to kind of look at it, seeing all the numbers and how the the little changes that make a pretty big impact.\n\nNow if we start start on the current situation, that is the the first kind of versus the current, so kind of like the third or fourth column, it says hub twenty four and Mercer. It shows you at the bottom there your current total fees. So what's kind of the total fees for both accounts. It does then also shows the five year rolling average. So the five year rolling average is then the return on the investment combined for both of those portfolios in a the high growth portfolio.\n\nNow on the recommended side, you can see kind of a similar structure. You can see the balance that stays the same in in hub twenty four. So no changes in regards to kind of the side. We have made changes in regards to Hub twenty four. So you can basically see that we're just making a couple of investment changes.\n\nIt is saving you about the difference there, $375 per year in investment fees, which does make a pretty big difference. Yeah. Now the biggest kind of change is then the return on the investment. So this is using the same period, so the same five year rolling average. And that shows you that the the recommended investment portfolio, even though it is reducing your risk exposure, it has actually outperformed your current portfolio by quite a lot when we are looking at that five year period.\n\nNow when we are looking the reason why we do look at a five year rolling average is because it gives us a little bit more certainty of what has happened in the world and to the portfolio and the market. So, obviously, with investment returns, you can't guarantee anything, but that is why we like to use the five year average. So it's basically using a five year period and dividing that, obviously, by five to give you an average of what it has done on a twelve month basis to kind of show you that. Because if I were to use a twelve month period, depending on when I would have done it, some years, it would have looked like you've won the lottery, whereas other years, not so good depending on, obviously, when that tier period would have been. So using that kind of a five year average gives us a little bit more certainty.\n\nDoes that make sense? Yep. Perfect. Now at the bottom there, you can see a five and ten year difference. Now, also, this, Nathan, is assuming no contributions.\n\nSo if in, you know, couple of years, you decide that you go back to work part time or whatever it might be or you're in a financial situation that you want to start making contributions, this will obviously compound and make a bigger difference. But this is assuming no contributions going in. Yes. Because that is kind of the current. Correct.\n\nThey will increase because that obviously means you have more money in, more money to be invested, and then get that return on the investment. So this is kind of being conservative of, well, we don't know exactly when you might go back to work. So I'd rather be more conservative and showing, well, at the time being, if you don't go back or you don't make contributions, then it'd still make a a difference for you. Always not as great with not having contributions, but it still makes a difference. And when you do look at, like, the five year difference, it still shows a difference of about 45,000, which is still pretty crazy by just reducing those fees and improving those returns a little bit for you.\n\nYep. Now the one thing I do wanna let you know is if you look at the top table again where it says fee comparison and you see the balance, and it says the difference of $252. Can you see that? Yes. So what this is is that when we do make recommendations on selling investments that have gone up, there will be some capital gains tax paid.\n\nNow that is all within the super environment, so it's not something that you have to pay for, like, directly personally. It's not something you have to declare owing a tax return or anything like that. It's all taken care of within the super environment. But it is something I do wanna let you know that when we do make changes, that will be a little bit of that capital gains tax to come out. Now I've tried to keep it as little as possible for you.\n\nNow if, for example, I were to change all of your investments, the capital gains tax would have been about $1,955. So, obviously, trying to reduce that, but at the same time, making sure that we switch out those investments that we may foresee not being the best ones or a little bit higher volatility for you. But we still wanna make sure we do that by still minimizing that capital gains tax for you. Yep. But even with the capital gains tax that you save more in fees, and that's just like a one off capital gains tax fee as well.\n\nAnd that's the yearly fee difference between the investments. You will you will save more than that. Just Yeah. That does that make sense so far? Yeah.\n\nOkay. Perfect. Now on the next page, so page 17, I have included just a little bit longer time frame for you for your, which obviously stays the same as a comparison, your current hub 24, and then the recommended in hub 24 as well. And you can see that across all periods, the recommended in hub 24 has outperformed both Mercer and your your current portfolio as well, which is good when we are still considering twelve, three, and five. Yes.\n\nAny questions so far? Nope. That makes sense. Perfect. Now the next page is another table which can be confusing, which is page 18.\n\nNow this essentially highlights the changes in the investments that I have recommended. So, basically, how to look at it, you see your investment name. So that is basically what they're called. You have the kind of special code for that investment. You then weight, so how much you actually have in that individual investment, what that translates through from a dollar value, and then you have the buy and sell column.\n\nSo this one here, what is highlighted in red is what I have recommended that we change, that we sell. What's in black is either what we are keeping in your portfolio or increasing or adding to your portfolio. Does that make sense? Yep. You then have your target weight, so how much we are aiming for in a percentage, and then what that looks like from the dollar value.\n\nSo at the top, Mercer, that stays the same for those insurances, but underneath it is then what I have recommended that we change. So with your investments, the kind of philosophy of how we structure investments hasn't changed. So we are still using that core and satellite approach to investing. Have you ever heard of that before, Nathan? No.\n\nSo, basically, what it means is that we invest majority of the funds in what we call, like, your core, which basically represents the backbone of the portfolio and are essentially kind of like your your biggest shareholding. These are very diversified investment options that have done really well in the past. So, for example, you can see that these are the ones that's the biggest allocation allocated through them. So you can see, for example, at 30%, you have iShares S and P five hundred. Can you see that?\n\nYeah. So you had already 29.29% in that investment option. It's just kind of rounding it up to 30%. Now this one here is very diversified because it invests in the 500 largest companies listed in The US. So you have a very good exposure to all the big companies like Apple, Microsoft, Amazon.\n\nYes. Very diversified of having 500 companies in that one single investment. Yep. Now what we then have another of your core options is what we have changed. So you had before Benelon Australian Equity, which is, like, at the top there where it's, like, the minus 29,000.\n\nThat was that one I touched on during the under review that we wanted to look at changing out of that was underperforming. So instead of that one, we've included at the bottom on this table, you say beta shares Australia 200. Can you see that? At 20%. So this one invests in the 200 largest companies listed on the ASX.\n\nSo in Australia. So you'll have companies like, you know, Commonwealth and BHP and Woolworths, all the big companies. Again, very diversified, but not in The US, here in Australia. Yep. Now what you then also have is some of the kind of defensive investments because we wanna increase the exposure to your defensive a little bit.\n\nSo if you scroll down, this table kind of spills over through two pages. So the next page, you can see gold and then iShares core composite bond. Can you see that? Yeah. So, obviously, you have your gold, which is a very good kind of stable investment investment when there are a bit of market fluctuations.\n\nSo it's allocating about 10% of your kind of defensive alternative investments to gold, kind of stabilizing a little bit for you. And then the 14% at the bottom is, like, your fixed interest, again, to kinda give you that defensive element of limit fluctuations a little bit. Now if you scroll back up to that table we were on page 18 again, the rest of your investments are kind of what we call your satellite investment. Now what that is is kind of your more dynamic and specialized investments. They kind of target specific sectors or regions or assets to kinda maximize that growth for you.\n\nBut they can be a little bit more volatile, and that is why they only represent a smaller portion, but not as much. Yet. So and we've reduced this a little bit for you for because in that high growth, you have a little bit more exposure to those satellite investments. In the growth, you have a little bit less. So you can see, for example, the first one of 5% is the beta share cybersecurity.\n\nYou already have that one in your portfolio. We're just reducing it down to 5%. We then have 8% in shares Europe. You already have that one again in your investment. It is just kind of increasing at up to eight percent.\n\nAgain, we want to make sure that your portfolio is very diversified and not just dependent on just The US or Australia. We wanna kind of have you spread across the world as well to give you that diversification. Now other investments, you can then see at the bottom of this page, you have 5% added to Japan and then 8% to one investment. That's called your Vanguard All World. You may have heard of Vanguard before.\n\nThey're quite big as well. Yes. So that one here is essentially invest in companies all around the globe, but it excludes The US because you already have quite a bit of exposure to The US in that iShares S and P 500. So we also wanna make sure we don't have too much in in one market. So it basically excludes The US, but it basically excludes The US, but invest everywhere else.\n\nDoes that does that make sense? Yeah. Perfect. Now if you wanted to go and have a bit of a read over these investments in your in your own time whenever you have a spare moment, In the appendix, I have included investment links to each and every single one of these investments. So there's that full transparency for you that you can click on and have a read over if you would like as well.\n\nYep. Now on the page 19, you can then kind of see a a cash account table. Can you see that? Yep. So with hub twenty four, you have to have a minimum of 1.25% of the funds in cash just to kind of account for fees and and stuff like that.\n\nNow we wanna keep it as close to that 1.25 as possible because, obviously, the cash isn't gonna grow near as much as your investments. So that's basically what this shows that we're trying to aim at as close to that 1.25 as possible. Yep. Now the next page shows you the asset allocation. So, again, another table, but it shows you your risk profile first.\n\nSo you can see that kind of 80% of growth, 20 in defensive. It does vary a little bit depending on market fluctuations, but keeping it around that. You can then see your existing. So you can see that currently, you're in 88.72 growth and then 11.28 in defensive. And you can then see that the proposed, you can see, is a little bit higher in those defensive investments and reducing that growth down a little bit for you.\n\nYep. Which, again, is very good that the recommended growth has still outperformed your your high growth. Because, typically, when we're talking about a longer period of time, we can we tend to see high growth outperforming a little bit, but then you don't have as much fluctuations in the growth. But in this instance, it's very good that the portfolio has kind of been targeted for diversification and to limit those fluctuations while still making sure we are targeting growth because we still wanna make sure that your money is working hard for you when you are not contributing. Yep.\n\nNow the next couple of pages talks about that estate planning. So I will kind of let you have a read over it. It is something I always tell everyone to consider, and I know we talked about it the the during the annual review, but it does talk about setting up a will, the importance of setting up a will. It also talks about power of attorney. So on page 24, it talks about the different types of power of attorney that you can make and, again, the benefits and stuff in regards to making a power of attorney nomination, things to be mindful of.\n\nAnd then you also have in regards to guardian importance of considering this as well as part of kind of the estate planning if something ever were to happen to you. So that's just basically there for you so you can have a bit of a read over it. Now you will then have ongoing services, so page 28, if you can see that. Yep. Perfect.\n\nSo, again, we kinda touched on this during the annual review, whereas, obviously, we wanna make sure that we always touch base and reassess the advice depending on what is going on for you. So the minimum is obviously the under review where we reassess everything. But if anything changes for you, just let me know because we can definitely do a lot more catch up than just yearly just to make sure, obviously, everything continues to align and, obviously, that you are happy. And if you need any other advice or guidance or any anything else, then just just give us a call. Yeah.\n\nPerfect. Now the last thing is just then in regards to remuneration, which is page 30. Now like I touched on again during the under review, there is no changes whatsoever in regards to that fee structure. That stays exactly the same at 1.65, and that was factored into those projections I showed you earlier as well. So it still shows you yeah.\n\nSo that shows you everything of making sure that even though you are not contributing, that the return on the investment will outperform, you know, any fees, adviser fees, platform fees, insurances, everything to make sure that everything still continues to grow and move forward for you. Yep. Now like I said again, doing the under review, not a lock in contract. So if at any point in time, things change for you or if you are not happy, it's not like you're locked in to a twelve month period. You can call us whenever you want to if you are not happy or if you wanna reassess anything.\n\nYes. Because so much could have changed. And, obviously, because there will be a period of time where, let's say, we are not managing it. But let's say you were to go, no. I don't want to stay on as a client anymore.\n\nBut let's say you wanted to roll through Australia, for example, or stay in Hub 24 but manage, obviously, all your investments yourself. Then what also happens in Hub twenty four is if you don't have an adviser attached to it, they will move you to a different product menu, and you don't have the same kind of selection when it comes to investment. But let's say you wanted to to do that yourself for, let's say, twelve months, then when you kind of if you come back and say, oh, okay. Well, I'm back working, and and everything is you know, I wanna consider all of that for you, then we we couldn't, but we have to reassess everything again. So we would have to do, like, the full onboarding, new applications for everything because we don't really know, obviously, what could have happened to all your investments, your advice, and everything, making sure it stays aligned with you.\n\nSo yes. Yeah. So it's definitely possible. There's no exit fees or anything like that, but it would basically mean if you decide to leave, we'll fees or anything like that, but it would basically mean if you decide to leave, then come back on board. We would have to kind of do everything at the start as well for you.\n\nBut, yes, you are not locked in at any point in time. So, yeah, if anything changes or you guys decide to move overseas or whatever it might be, it's not like you're locked in at all. Yeah. Now, also, obviously, this all part of the ongoing advising. So if you, obviously, take a moment to have a read over it.\n\nIf you have any questions, let me know. If you do have a read over it and you are happy, to give it a go and see how things are going, it would then be just to sign those documents digitally same as for the under review. It will then automatically send it back to me, and that would let me know that you are happy with the recommendation, and I will let the investment team know. There's no additional fees or charges with it, though. So it's not like an additional fees.\n\nIf you wanted to go ahead with the changes, it is all part of that ongoing advice fee. So no additional fees and charges. Yeah. Yes. Correct.\n\nCorrect. Correct. This is why we the balance because things do fluctuate on a So, yes, even if, let's say let's say, you sign the documents tomorrow and then we were to place a trade the following day and your super has gone up, it's the same. It's all kind of realigned to your balance at the time. Yes.\n\nYeah. Well, that's a good question. Mhmm. Yes. Yep.\n\nYes. Yeah. Yes. Yes. The capital gains tax will be the big one, which would be so in the alternative, if you wanna scroll up to page 15 for me.\n\nYep. Alternatives considered. So I did consider other super funds for you, and some were one, the more kind of more competitive was my north, but we also consider, like, all super, and we consider a lot of funds because, again, there's nothing tying us to hub twenty four. But we do research on all the options just to see whatever is best for you. And because, obviously, your super has gone up a bit since you came on board, which is great, the downside is that capital gains tax.\n\nSo if you were to say tomorrow, you go, now I wanna roll out to Australian super, that capital gains tax would be applicable. It would, again, all be within the super environment, but that would be about that 1,955 for the capital gains tax. And then you also have, like, brokerage fees to sell investments. There's not, like, exit fees to leave. It would just be in regards to selling down your investments.\n\nThat would be the thing. But, yeah, capital gains tax is is a big thing that we do consider. Yeah. Yes. Yeah.\n\nAnd I'm I'm glad you did because sometimes people might might think they're like, oh, that's it. And then it's like, well, let's say if 5,000 came out intact, they go, oh, I didn't know that. I was like, yeah. That's why we do the research for you as well through make sure at the end of the day, we factor in everything. And you know?\n\nYeah. Yes. Definitely. And like I said, that's not to say that forever HubSpot will be the best option because you never know. Like, there could be six months or a year or two years or whatever it might be that another very competitive option comes out that is very cheap, then we would research and consider if that's going to be the best for you.\n\nBut, again, we would factor in, okay, what are the returns on the investments, what are the fees, what are capital gains? Like, you would factor in kind of a holistic approach before deciding if that is going to be the best, which is kind of where this statement of advice and everything comes into place. It takes a while to obviously put together all the research, but it's through making sure that the recommendations we do make are in best interest for you also puts you in that better position. So it's not just a matter of, oh, okay. We'll just do this.\n\nIt's a lot that goes in from a compliance point and making sure that you are looked after at the end of the day before we, you know, make a recommendation. And it's the same, like, I can't just tell you straight away, oh, yeah. Do this. We'd have to obviously do all the research and making sure that's the best for you before we can officially be, yes. I recommend you do this because of x y zed.\n\nYeah. Now any other questions for me, Nathan? No? No. Good.\n\nNow I'm sure you're you're busy. So I will leave this document with you. Now take your time. Have a read over it. Like I said, any questions or anything, just give me a call or send me an email, and we can always book in another follow-up to go through it.\n\nOtherwise, if you do have a read through it and you are happy with the the recommendation, like I said, to move forward, it would just be to add that signature digitally, and then it will automatically come back to me, and then we will process everything for you. No problem at all. Thank you so much for your time today, Nathan, and I hope you enjoy the rest of your afternoon. Mhmm. No worries.\n\nWe're fixing. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":1.28,"end":2.0,"sentiment":"neutral","sentiment_score":0.31428349018096924},{"text":"Is this Nathan?","start":2.0,"end":2.82,"sentiment":"neutral","sentiment_score":0.2094097932179769},{"text":"Yeah.","start":4.7999997,"end":5.12,"sentiment":"neutral","sentiment_score":0.2427622377872467},{"text":"Good.","start":5.12,"end":5.52,"sentiment":"positive","sentiment_score":0.48847147822380066},{"text":"It's Veronica from IQ Financial.","start":5.52,"end":7.44,"sentiment":"neutral","sentiment_score":0.30882832407951355}],"sentiment":"neutral","sentiment_score":0.294347641368707,"num_words":12,"start":1.28,"end":7.44},{"sentences":[{"text":"How are you?","start":7.44,"end":8.26,"sentiment":"neutral","sentiment_score":0.21593339244524637},{"text":"That's good.","start":10.16,"end":10.96,"sentiment":"positive","sentiment_score":0.6341898739337921},{"text":"How's your day been?","start":10.96,"end":12.015,"sentiment":"positive","sentiment_score":0.33526767790317535},{"text":"Okay.","start":16.895,"end":17.295,"sentiment":"neutral","sentiment_score":-0.09357543289661407},{"text":"Let me see if I can turn that up for you.","start":17.295,"end":19.715,"sentiment":"neutral","sentiment_score":-0.07369699735533107}],"sentiment":"neutral","sentiment_score":0.1120480110957509,"num_words":21,"start":7.44,"end":19.715},{"sentences":[{"text":"Oh, really?","start":21.935001,"end":22.654999,"sentiment":"neutral","sentiment_score":-0.060604989528656006},{"text":"Okay.","start":22.654999,"end":23.055,"sentiment":"neutral","sentiment_score":-0.029306799173355103},{"text":"Let me see.","start":23.055,"end":23.955,"sentiment":"neutral","sentiment_score":-0.01671961508691311},{"text":"Is that any better, or is it still quite low?","start":24.335,"end":26.98,"sentiment":"neutral","sentiment_score":-0.04757263511419296},{"text":"Let me see.","start":33.6,"end":34.16,"sentiment":"neutral","sentiment_score":-0.021729192075630028}],"sentiment":"neutral","sentiment_score":-0.039031028992643484,"num_words":19,"start":21.935001,"end":34.16},{"sentences":[{"text":"It does say that I have it on Macs as well.","start":34.16,"end":38.695,"sentiment":"neutral","sentiment_score":-0.005703398957848549},{"text":"Let me see.","start":38.695,"end":39.175003,"sentiment":"neutral","sentiment_score":-0.00008187877635161082},{"text":"Is that any better?","start":39.175003,"end":40.235,"sentiment":"neutral","sentiment_score":0.0001230393536388874},{"text":"No?","start":40.295002,"end":40.795002,"sentiment":"neutral","sentiment_score":-0.07281634956598282},{"text":"Yeah.","start":46.775,"end":47.015,"sentiment":"neutral","sentiment_score":0.0011003734543919563}],"sentiment":"neutral","sentiment_score":-0.006710342178121209,"num_words":20,"start":34.16,"end":47.015},{"sentences":[{"text":"Is that any better?","start":47.015,"end":48.075,"sentiment":"neutral","sentiment_score":0.011740392772480845},{"text":"Okay.","start":50.375,"end":50.875,"sentiment":"neutral","sentiment_score":0.019004957750439644},{"text":"Okay.","start":52.455,"end":52.8,"sentiment":"neutral","sentiment_score":0.03346090763807297},{"text":"Well, let me know if you have any issues, and I'll speak to IT after as well if it's something with my microphone.","start":52.96,"end":61.14,"sentiment":"neutral","sentiment_score":0.00676189500676549},{"text":"Because it does say I have it on Mac.","start":61.199997,"end":62.72,"sentiment":"neutral","sentiment_score":-0.023372641040219203}],"sentiment":"neutral","sentiment_score":0.0011736119018965646,"num_words":38,"start":47.015,"end":62.72},{"sentences":[{"text":"But if you can't hear me, just let me know, and I'm just happy to repeat Yeah.","start":62.72,"end":70.145004,"sentiment":"neutral","sentiment_score":-0.01262072818901609},{"text":"Sure.","start":72.045,"end":72.545,"sentiment":"neutral","sentiment_score":0.06263145059347153},{"text":"Yes.","start":85.020004,"end":85.42,"sentiment":"neutral","sentiment_score":0.1800670027732849},{"text":"Perfect.","start":85.42,"end":85.92,"sentiment":"neutral","sentiment_score":0.3020840287208557},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay?","start":86.38,"end":94.045,"sentiment":"neutral","sentiment_score":0.03236688185354759}],"sentiment":"neutral","sentiment_score":0.025895299523004463,"num_words":49,"start":62.72,"end":94.045},{"sentences":[{"text":"Yeah.","start":95.145,"end":95.645,"sentiment":"neutral","sentiment_score":0.167093887925148},{"text":"Perfect.","start":95.705,"end":96.205,"sentiment":"neutral","sentiment_score":0.2395252585411072},{"text":"And just for security, just so that I can confirm I'm speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please?","start":96.265,"end":105.65,"sentiment":"neutral","sentiment_score":0.07563127228058875},{"text":"Yep.","start":116.75,"end":117.25,"sentiment":"neutral","sentiment_score":0.11686177551746368},{"text":"Beautiful.","start":117.31,"end":117.81,"sentiment":"neutral","sentiment_score":0.07935835421085358}],"sentiment":"neutral","sentiment_score":0.08397333303259479,"num_words":36,"start":95.145,"end":117.81},{"sentences":[{"text":"Now, Nathan, do you have access to your emails at the moment, or is it a bit tricky if if you're on the phone?","start":119.149994,"end":125.225,"sentiment":"neutral","sentiment_score":-0.015342614167214682},{"text":"Yeah.","start":126.405,"end":126.905,"sentiment":"neutral","sentiment_score":0.044926583766937256},{"text":"Okay.","start":127.524994,"end":127.84499,"sentiment":"neutral","sentiment_score":0.31479430198669434},{"text":"Great.","start":127.84499,"end":128.165,"sentiment":"positive","sentiment_score":0.7359182834625244},{"text":"It just makes it a bit easier for you if you can see it at the same time.","start":128.165,"end":132.58499,"sentiment":"positive","sentiment_score":0.5657049020131429}],"sentiment":"neutral","sentiment_score":0.2424467703431017,"num_words":45,"start":119.149994,"end":132.58499},{"sentences":[{"text":"Yep.","start":135.845,"end":136.345,"sentiment":"positive","sentiment_score":0.3672019839286804},{"text":"Great.","start":136.43001,"end":136.83,"sentiment":"positive","sentiment_score":0.5693390369415283},{"text":"Now if you same as for the under review, it will ask you to click on the link.","start":136.83,"end":140.87001,"sentiment":"neutral","sentiment_score":0.20773613370127147},{"text":"It doesn't mean you have to sign right away, but it does allow you to open up and look at the recommendation first.","start":140.87001,"end":146.61,"sentiment":"neutral","sentiment_score":0.20071154832839966},{"text":"So let me know when you can see the cover page.","start":148.91,"end":153.30501,"sentiment":"neutral","sentiment_score":0.18458058617331766}],"sentiment":"neutral","sentiment_score":0.20967673123986633,"num_words":54,"start":135.845,"end":153.30501},{"sentences":[{"text":"Okay.","start":156.88501,"end":157.38501,"sentiment":"neutral","sentiment_score":0.20598194003105164},{"text":"Perfect.","start":157.52501,"end":158.02501,"sentiment":"positive","sentiment_score":0.3651350140571594},{"text":"So, obviously, do you remember the last conversation we had following the under review?","start":158.965,"end":163.285,"sentiment":"neutral","sentiment_score":0.09867568420512336},{"text":"But, obviously, we wanted to revisit everything for you, especially your investments now when you are not getting those contributions and staying at home, and also looking at reducing, the risk exposure for you a little bit just so I'm not seeing as much fluctuations.","start":163.285,"end":178.70001,"sentiment":"neutral","sentiment_score":0.10338433277275827},{"text":"Okay.","start":179.08,"end":179.48001,"sentiment":"neutral","sentiment_score":0.2127084583044052}],"sentiment":"neutral","sentiment_score":0.1099609671941688,"num_words":62,"start":156.88501,"end":179.48001},{"sentences":[{"text":"Perfect.","start":179.48001,"end":179.98001,"sentiment":"positive","sentiment_score":0.38680630922317505},{"text":"So I have made a recommendation for you, Nathan, and I have put everything in this statement of advice.","start":180.52501,"end":186.925,"sentiment":"neutral","sentiment_score":0.30761713416952835},{"text":"Now it is quite long, 35 pages, but I won't go through all of that with you.","start":186.925,"end":191.74501,"sentiment":"neutral","sentiment_score":0.0832561812199214},{"text":"I'll go through the main points, and then I'll let you have a read over it in your own time as well.","start":192.125,"end":196.48,"sentiment":"neutral","sentiment_score":0.1564915380017324},{"text":"And then any questions, yeah, you can let me know.","start":196.48,"end":199.78,"sentiment":"neutral","sentiment_score":0.14972096607089042}],"sentiment":"neutral","sentiment_score":0.18241899182507093,"num_words":69,"start":179.48001,"end":199.78},{"sentences":[{"text":"Now this has been tailored specifically for you.","start":200.72,"end":204.15999,"sentiment":"neutral","sentiment_score":0.22592284344136715},{"text":"Now on the cover page, you can see my details listed as well.","start":204.15999,"end":208.065,"sentiment":"neutral","sentiment_score":0.13708205578418878},{"text":"You can see my authorized representative number there, and I am a licensed under OTU Financial.","start":208.30501,"end":214.16501,"sentiment":"neutral","sentiment_score":0.13773451559245586},{"text":"Now, Nathan, this is just recommendation for you as well.","start":215.105,"end":218.465,"sentiment":"neutral","sentiment_score":0.2588071018457413},{"text":"It is completely up to you if you would like to go ahead with the recommendation at the end of the day.","start":218.465,"end":223.38,"sentiment":"neutral","sentiment_score":0.26167869567871094}],"sentiment":"neutral","sentiment_score":0.20490150790715564,"num_words":69,"start":200.72,"end":223.38},{"sentences":[{"text":"Yep.","start":224.8,"end":225.2,"sentiment":"neutral","sentiment_score":0.13331812620162964},{"text":"Perfect.","start":225.2,"end":225.7,"sentiment":"neutral","sentiment_score":0.2662495970726013},{"text":"Now if you scroll to the second page, can you see a little section where it talks about the best interest duty?","start":225.84,"end":232.5,"sentiment":"neutral","sentiment_score":0.09808842533014038},{"text":"Yep.","start":233.84,"end":234.24,"sentiment":"neutral","sentiment_score":0.10527239739894868},{"text":"Perfect.","start":234.24,"end":234.74,"sentiment":"neutral","sentiment_score":0.05194384232163429}],"sentiment":"neutral","sentiment_score":0.10441266616376546,"num_words":26,"start":224.8,"end":234.74},{"sentences":[{"text":"Now that one here basically just outlines 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":235.16501,"end":245.505,"sentiment":"neutral","sentiment_score":0.14571254740695697},{"text":"Otherwise, we can't actually make the recommendation.","start":245.80501,"end":247.985,"sentiment":"neutral","sentiment_score":-0.11076506865876061},{"text":"Does that make sense?","start":248.40001,"end":249.54001,"sentiment":"neutral","sentiment_score":0.040342122316360474},{"text":"Yeah.","start":250.8,"end":251.3,"sentiment":"positive","sentiment_score":0.3635573387145996},{"text":"Perfect.","start":251.36,"end":251.86,"sentiment":"positive","sentiment_score":0.5595365762710571}],"sentiment":"neutral","sentiment_score":0.11400942355394364,"num_words":50,"start":235.16501,"end":251.86},{"sentences":[{"text":"Now if you scroll through, you'll see table of content, pretty self explanatory.","start":252.24,"end":256.66,"sentiment":"neutral","sentiment_score":0.17394457585536516},{"text":"If you then wanna scroll through to the next page, it talks a little bit about the scoping.","start":258.56,"end":263.785,"sentiment":"neutral","sentiment_score":0.07311136420402262},{"text":"So it says scope of advice.","start":263.925,"end":265.845,"sentiment":"neutral","sentiment_score":0.04499954171478748},{"text":"Can you see that?","start":265.845,"end":266.98502,"sentiment":"neutral","sentiment_score":0.03723634593188763},{"text":"Yep.","start":267.445,"end":267.925,"sentiment":"neutral","sentiment_score":0.20237068831920624}],"sentiment":"neutral","sentiment_score":0.09996660390780085,"num_words":42,"start":252.24,"end":267.925},{"sentences":[{"text":"Perfect.","start":267.925,"end":268.425,"sentiment":"positive","sentiment_score":0.4694752097129822},{"text":"So that basically just talks about the sections that we are focusing on today in this statement of advice, but it doesn't mean that there's not other things we can't look at down the track.","start":268.805,"end":278.17,"sentiment":"neutral","sentiment_score":0.1708512998053006},{"text":"But simply today, we're keeping it pretty straightforward in reviewing that superannuation for you, making sure that continues to grow, as well as including some information in regards to that estate planning.","start":278.23,"end":291.515,"sentiment":"neutral","sentiment_score":0.24398259492591023},{"text":"I know we spoke about it last time doing the under review, but I have included some information on the importance of having that will, the power of attorney, and then also that guardian shift as well if something ever were to happen to you.","start":291.515,"end":303.89,"sentiment":"neutral","sentiment_score":0.11657568688193957},{"text":"Yep.","start":304.99002,"end":305.47,"sentiment":"neutral","sentiment_score":0.31795620918273926}],"sentiment":"neutral","sentiment_score":0.173864700521032,"num_words":114,"start":267.925,"end":305.47},{"sentences":[{"text":"Perfect.","start":305.47,"end":305.97,"sentiment":"positive","sentiment_score":0.3742338716983795},{"text":"Now on the next page, you can see, it just says limited scope, and that basically just shows that we're not making any changes or anything into insurances.","start":306.19,"end":315.185,"sentiment":"neutral","sentiment_score":-0.018967872319210852},{"text":"We are keeping everything the same.","start":315.405,"end":317.505,"sentiment":"neutral","sentiment_score":0.006357615192731221},{"text":"Insurances has just been included in this document just to show you that it does have an impact on your superannuation, so, therefore, it kind of has to be factored in, but we're not changing anything.","start":317.885,"end":329.00998,"sentiment":"neutral","sentiment_score":0.000623088847431872},{"text":"Yep.","start":330.03,"end":330.53,"sentiment":"neutral","sentiment_score":0.05920843407511711}],"sentiment":"neutral","sentiment_score":-0.0005150170763954518,"num_words":72,"start":305.47,"end":330.53},{"sentences":[{"text":"Now if you can then scroll for me through page seven.","start":331.62997,"end":336.28998,"sentiment":"neutral","sentiment_score":0.037648803469809616},{"text":"So seven and eight.","start":337.71,"end":340.53,"sentiment":"neutral","sentiment_score":0.035956071224063635},{"text":"It's just some some personal information in regards to yourself.","start":341.46997,"end":344.795,"sentiment":"neutral","sentiment_score":0.07315334156155587},{"text":"If you could just have a quick read over that for me just to make sure that all looks good on both pages or if I need to make any changes in the back end for you.","start":344.855,"end":354.475,"sentiment":"neutral","sentiment_score":0.12149244103882764},{"text":"And, obviously, savings, that could obviously fluctuate a little bit since when we when we went through it, and that's fine.","start":370.46,"end":376.365,"sentiment":"neutral","sentiment_score":0.0042280520179441995}],"sentiment":"neutral","sentiment_score":0.07076510782521891,"num_words":83,"start":331.62997,"end":376.365},{"sentences":[{"text":"Yep.","start":379.065,"end":379.565,"sentiment":"neutral","sentiment_score":0.2807469069957733},{"text":"Yep.","start":379.78497,"end":380.28497,"sentiment":"neutral","sentiment_score":0.291250079870224},{"text":"Yes.","start":390.86,"end":391.36,"sentiment":"neutral","sentiment_score":0.1997016668319702},{"text":"Okay.","start":392.7,"end":393.2,"sentiment":"positive","sentiment_score":0.4089906811714173},{"text":"Great.","start":393.26,"end":393.76,"sentiment":"positive","sentiment_score":0.5895407795906067}],"sentiment":"positive","sentiment_score":0.35404602289199827,"num_words":5,"start":379.065,"end":393.76},{"sentences":[{"text":"Now underneath that, so page nine, you will see just a summary of your current kind of setup.","start":394.06,"end":400.57498,"sentiment":"neutral","sentiment_score":0.23433365838395226},{"text":"So like we touched on during the annual review, you obviously have your hub 24 where you have majority of the money.","start":400.715,"end":405.85498,"sentiment":"neutral","sentiment_score":0.1720701293511824},{"text":"You have a little bit in left in MRSA just to keep those insurances active.","start":405.995,"end":410.895,"sentiment":"neutral","sentiment_score":0.2083959996700287},{"text":"You have enough in MRSA at the premium is only about that 439, so we don't need to make any changes there for you.","start":411.275,"end":422.78998,"sentiment":"neutral","sentiment_score":0.21378631020585695},{"text":"Yep.","start":423.97,"end":424.47,"sentiment":"neutral","sentiment_score":0.08115153014659882}],"sentiment":"neutral","sentiment_score":0.20426889583468438,"num_words":80,"start":394.06,"end":424.47},{"sentences":[{"text":"Now if you scroll to the next one, it talks a little bit about your risk profile.","start":424.61,"end":429.015,"sentiment":"neutral","sentiment_score":0.024583263103576267},{"text":"Can you see that?","start":429.095,"end":429.99503,"sentiment":"neutral","sentiment_score":0.021826965734362602},{"text":"Yep.","start":431.255,"end":431.755,"sentiment":"neutral","sentiment_score":0.22977398335933685},{"text":"Perfect.","start":431.815,"end":432.21503,"sentiment":"positive","sentiment_score":0.4065998196601868},{"text":"So when we kind of discussed your risk profile last time, you were previously or at the moment in that high growth portfolio, But we did consider that maybe just reducing it one step down to growth might be a little bit more suitable for you for where, you know, everything is at for you at the moment.","start":432.21503,"end":451.56,"sentiment":"neutral","sentiment_score":0.04142684245417858}],"sentiment":"neutral","sentiment_score":0.04375745680321146,"num_words":81,"start":424.61,"end":451.56},{"sentences":[{"text":"It's still focusing on growth in your superannuation, though, but it does mean a little bit less kind of fluctuations and that volatility, especially when you don't have those contributions going in for the time be.","start":451.94,"end":468.51,"sentiment":"neutral","sentiment_score":0.022773187374696136},{"text":"Yep.","start":468.51,"end":468.53,"sentiment":"neutral","sentiment_score":0.2165825217962265},{"text":"Perfect.","start":468.53,"end":468.55,"sentiment":"positive","sentiment_score":0.38816237449646},{"text":"Now if you can scroll down through page 12 for me, it should be a heading where it says retain your Mercer super, retain hub 24, and change underlying investment.","start":468.55,"end":482.08502,"sentiment":"neutral","sentiment_score":0.128903595606486},{"text":"Can you see that?","start":482.225,"end":483.36502,"sentiment":"neutral","sentiment_score":0.06474290229380131}],"sentiment":"neutral","sentiment_score":0.0770924877659935,"num_words":72,"start":451.94,"end":483.36502},{"sentences":[{"text":"Yes.","start":483.90503,"end":484.40503,"sentiment":"neutral","sentiment_score":0.11645850539207458},{"text":"So, basically, the next couple of pages is quite wordy, so I will let you read over that in your own time.","start":485.02502,"end":490.46503,"sentiment":"neutral","sentiment_score":0.09082333794371648},{"text":"But I do wanna kind of summarize that The the page you can see now here, it just kinda puts into words as to why the recommendation is aligning with that best interest duty and putting you in a better position.","start":490.46503,"end":502.2,"sentiment":"neutral","sentiment_score":0.19652323956351456},{"text":"A lot of things that's obviously been factored in through the recommendation is obviously your your personal circumstances, your risk tolerance, you know, time frame, potential capital gains tax with making changes.","start":502.82,"end":515.175,"sentiment":"neutral","sentiment_score":0.07093650102615356},{"text":"And when I did do the research, I did consider other super funds for you as well just to see if there's anyone that's more competitive out there in the market for you.","start":517.15497,"end":526.04004,"sentiment":"neutral","sentiment_score":0.24664620648730884}],"sentiment":"neutral","sentiment_score":0.1595450977455507,"num_words":129,"start":483.90503,"end":526.04004},{"sentences":[{"text":"There's nothing tying us to have 24 at all if there is someone else that was going to be more competitive.","start":526.26,"end":531.48004,"sentiment":"neutral","sentiment_score":0.16386294684239797},{"text":"But for the time being, I have recommend staying in hub twenty four.","start":533.38,"end":536.5,"sentiment":"neutral","sentiment_score":0.3304436183892764},{"text":"It is still very competitive when it comes to their fees and features and investment choices.","start":536.5,"end":541.925,"sentiment":"positive","sentiment_score":0.4148388635367155},{"text":"I do use hub twenty four for my personal super as well.","start":542.705,"end":546.565,"sentiment":"neutral","sentiment_score":0.2875540653864543},{"text":"So for the time being, I have just recommended that we change some of those investments around, but no need to change the super funds.","start":546.625,"end":554.26996,"sentiment":"neutral","sentiment_score":0.2283306723833084}],"sentiment":"neutral","sentiment_score":0.27049685440871907,"num_words":87,"start":526.26,"end":554.26996},{"sentences":[{"text":"Does that make sense?","start":554.32996,"end":555.38995,"sentiment":"neutral","sentiment_score":0.15878163278102875},{"text":"Yeah.","start":556.49,"end":556.99,"sentiment":"positive","sentiment_score":0.3527951240539551},{"text":"Perfect.","start":557.13,"end":557.63,"sentiment":"positive","sentiment_score":0.46102532744407654},{"text":"Now as you then scroll through, you will see some advantages, some disadvantages, and some risks associated with this recommendation.","start":557.85,"end":566.19,"sentiment":"neutral","sentiment_score":0.07827709959819913},{"text":"But what I usually find is the easiest way to look at it first is if you want to scroll down to page 16 for me.","start":567.08496,"end":575.105,"sentiment":"neutral","sentiment_score":0.15726918469254786}],"sentiment":"neutral","sentiment_score":0.13660553416523796,"num_words":52,"start":554.32996,"end":575.105},{"sentences":[{"text":"It should have, like, a big table, and it says fee comparison.","start":575.485,"end":578.865,"sentiment":"neutral","sentiment_score":0.2021794275691112},{"text":"Yep.","start":581.68994,"end":582.17,"sentiment":"neutral","sentiment_score":0.13409605622291565},{"text":"Sorry.","start":582.17,"end":582.56995,"sentiment":"neutral","sentiment_score":0.06073891371488571},{"text":"This one here might look a little bit messy and messy, but it basically summarizes the recommendation.","start":582.56995,"end":588.50995,"sentiment":"neutral","sentiment_score":0.10654040535583216},{"text":"And I I usually find it's a easier way to kind of look at it, seeing all the numbers and how the the little changes that make a pretty big impact.","start":588.81,"end":597.375,"sentiment":"positive","sentiment_score":0.4129255779327885}],"sentiment":"neutral","sentiment_score":0.2779494823827859,"num_words":62,"start":575.485,"end":597.375},{"sentences":[{"text":"Now if we start start on the current situation, that is the the first kind of versus the current, so kind of like the third or fourth column, it says hub twenty four and Mercer.","start":597.91504,"end":608.96,"sentiment":"neutral","sentiment_score":0.06677570763443197},{"text":"It shows you at the bottom there your current total fees.","start":609.42004,"end":613.60004,"sentiment":"neutral","sentiment_score":0.12845885144038635},{"text":"So what's kind of the total fees for both accounts.","start":613.66003,"end":617.28,"sentiment":"neutral","sentiment_score":0.1419203981757164},{"text":"It does then also shows the five year rolling average.","start":618.14,"end":622.755,"sentiment":"neutral","sentiment_score":0.14950942918658255},{"text":"So the five year rolling average is then the return on the investment combined for both of those portfolios in a the high growth portfolio.","start":623.375,"end":632.58,"sentiment":"neutral","sentiment_score":0.17573188304901122}],"sentiment":"neutral","sentiment_score":0.12151420310876526,"num_words":91,"start":597.91504,"end":632.58},{"sentences":[{"text":"Now on the recommended side, you can see kind of a similar structure.","start":634.42004,"end":638.34,"sentiment":"neutral","sentiment_score":0.18576220251046693},{"text":"You can see the balance that stays the same in in hub twenty four.","start":638.34,"end":643.16003,"sentiment":"neutral","sentiment_score":0.24176816322973796},{"text":"So no changes in regards to kind of the side.","start":645.94,"end":650.885,"sentiment":"neutral","sentiment_score":0.06387224197387695},{"text":"We have made changes in regards to Hub twenty four.","start":652.54504,"end":657.36505,"sentiment":"neutral","sentiment_score":0.08905982412397861},{"text":"So you can basically see that we're just making a couple of investment changes.","start":657.98505,"end":665.15,"sentiment":"neutral","sentiment_score":0.29259897981371197}],"sentiment":"neutral","sentiment_score":0.1873011360036545,"num_words":61,"start":634.42004,"end":665.15},{"sentences":[{"text":"It is saving you about the difference there, $375 per year in investment fees, which does make a pretty big difference.","start":665.21,"end":675.47003,"sentiment":"positive","sentiment_score":0.43569707515693845},{"text":"Yeah.","start":676.97003,"end":677.47003,"sentiment":"positive","sentiment_score":0.3908961713314056},{"text":"Now the biggest kind of change is then the return on the investment.","start":677.77,"end":681.815,"sentiment":"positive","sentiment_score":0.42716233546917254},{"text":"So this is using the same period, so the same five year rolling average.","start":682.435,"end":687.73505,"sentiment":"positive","sentiment_score":0.36314832738467623},{"text":"And that shows you that the the recommended investment portfolio, even though it is reducing your risk exposure, it has actually outperformed your current portfolio by quite a lot when we are looking at that five year period.","start":688.275,"end":702.39996,"sentiment":"positive","sentiment_score":0.4419535225943515}],"sentiment":"positive","sentiment_score":0.4249650063528412,"num_words":87,"start":665.21,"end":702.39996},{"sentences":[{"text":"Now when we are looking the reason why we do look at a five year rolling average is because it gives us a little bit more certainty of what has happened in the world and to the portfolio and the market.","start":703.01996,"end":714.135,"sentiment":"neutral","sentiment_score":0.20824728742605303},{"text":"So, obviously, with investment returns, you can't guarantee anything, but that is why we like to use the five year average.","start":714.435,"end":721.79504,"sentiment":"neutral","sentiment_score":0.13127845525741577},{"text":"So it's basically using a five year period and dividing that, obviously, by five to give you an average of what it has done on a twelve month basis to kind of show you that.","start":721.79504,"end":731.31,"sentiment":"neutral","sentiment_score":0.17509270352976664},{"text":"Because if I were to use a twelve month period, depending on when I would have done it, some years, it would have looked like you've won the lottery, whereas other years, not so good depending on, obviously, when that tier period would have been.","start":731.31,"end":744.745,"sentiment":"neutral","sentiment_score":0.07831925857398245},{"text":"So using that kind of a five year average gives us a little bit more certainty.","start":744.805,"end":749.945,"sentiment":"neutral","sentiment_score":0.16855165781453252}],"sentiment":"neutral","sentiment_score":0.1496482539827688,"num_words":158,"start":703.01996,"end":749.945},{"sentences":[{"text":"Does that make sense?","start":750.165,"end":751.225,"sentiment":"neutral","sentiment_score":0.11511614359915257},{"text":"Yep.","start":752.41003,"end":752.81,"sentiment":"neutral","sentiment_score":0.2279064953327179},{"text":"Perfect.","start":752.81,"end":753.31,"sentiment":"positive","sentiment_score":0.35402053594589233},{"text":"Now at the bottom there, you can see a five and ten year difference.","start":753.53,"end":757.55,"sentiment":"neutral","sentiment_score":0.11144741092409406},{"text":"Now, also, this, Nathan, is assuming no contributions.","start":757.77,"end":761.07,"sentiment":"neutral","sentiment_score":0.03005840303376317}],"sentiment":"neutral","sentiment_score":0.10154009224580866,"num_words":28,"start":750.165,"end":761.07},{"sentences":[{"text":"So if in, you know, couple of years, you decide that you go back to work part time or whatever it might be or you're in a financial situation that you want to start making contributions, this will obviously compound and make a bigger difference.","start":761.45,"end":776.125,"sentiment":"neutral","sentiment_score":0.08205141681763861},{"text":"But this is assuming no contributions going in.","start":776.585,"end":779.97,"sentiment":"neutral","sentiment_score":-0.053760559763759375},{"text":"Yes.","start":781.88995,"end":782.38995,"sentiment":"neutral","sentiment_score":0.0152914896607399},{"text":"Because that is kind of the current.","start":782.52997,"end":784.14996,"sentiment":"neutral","sentiment_score":-0.03761367553046772},{"text":"Correct.","start":791.08997,"end":791.32996,"sentiment":"neutral","sentiment_score":-0.02453514933586121}],"sentiment":"neutral","sentiment_score":0.04822080468218173,"num_words":62,"start":761.45,"end":791.32996},{"sentences":[{"text":"They will increase because that obviously means you have more money in, more money to be invested, and then get that return on the investment.","start":791.32996,"end":798.135,"sentiment":"positive","sentiment_score":0.619209144115448},{"text":"So this is kind of being conservative of, well, we don't know exactly when you might go back to work.","start":798.435,"end":805.395,"sentiment":"neutral","sentiment_score":0.3332890097051859},{"text":"So I'd rather be more conservative and showing, well, at the time being, if you don't go back or you don't make contributions, then it'd still make a a difference for you.","start":805.395,"end":816.13,"sentiment":"neutral","sentiment_score":0.2594776591286063},{"text":"Always not as great with not having contributions, but it still makes a difference.","start":816.13,"end":821.01,"sentiment":"neutral","sentiment_score":0.15929305766310012},{"text":"And when you do look at, like, the five year difference, it still shows a difference of about 45,000, which is still pretty crazy by just reducing those fees and improving those returns a little bit for you.","start":821.01,"end":831.64496,"sentiment":"neutral","sentiment_score":0.27592650055885315}],"sentiment":"positive","sentiment_score":0.33460933114438096,"num_words":129,"start":791.32996,"end":831.64496},{"sentences":[{"text":"Yep.","start":832.50494,"end":833.00494,"sentiment":"neutral","sentiment_score":0.12430741637945177},{"text":"Now the one thing I do wanna let you know is if you look at the top table again where it says fee comparison and you see the balance, and it says the difference of $252.","start":833.14496,"end":844.14,"sentiment":"neutral","sentiment_score":0.06379336398094893},{"text":"Can you see that?","start":844.14,"end":845.2,"sentiment":"neutral","sentiment_score":0.03940573148429394},{"text":"Yes.","start":845.5,"end":846.0,"sentiment":"neutral","sentiment_score":0.08073106408119202},{"text":"So what this is is that when we do make recommendations on selling investments that have gone up, there will be some capital gains tax paid.","start":846.38,"end":857.775,"sentiment":"neutral","sentiment_score":0.02535406442788931}],"sentiment":"neutral","sentiment_score":0.04880041448289857,"num_words":68,"start":832.50494,"end":857.775},{"sentences":[{"text":"Now that is all within the super environment, so it's not something that you have to pay for, like, directly personally.","start":858.315,"end":865.11,"sentiment":"neutral","sentiment_score":0.0941891200130894},{"text":"It's not something you have to declare owing a tax return or anything like that.","start":865.49,"end":869.25,"sentiment":"neutral","sentiment_score":0.08974425171812375},{"text":"It's all taken care of within the super environment.","start":869.25,"end":872.07,"sentiment":"neutral","sentiment_score":0.23760556181271872},{"text":"But it is something I do wanna let you know that when we do make changes, that will be a little bit of that capital gains tax to come out.","start":872.69,"end":880.675,"sentiment":"neutral","sentiment_score":0.1830806834002336},{"text":"Now I've tried to keep it as little as possible for you.","start":881.21497,"end":885.295,"sentiment":"neutral","sentiment_score":0.13749024582405886}],"sentiment":"neutral","sentiment_score":0.1448837793592749,"num_words":87,"start":858.315,"end":885.295},{"sentences":[{"text":"Now if, for example, I were to change all of your investments, the capital gains tax would have been about $1,955.","start":885.295,"end":895.24,"sentiment":"neutral","sentiment_score":0.05561153413284393},{"text":"So, obviously, trying to reduce that, but at the same time, making sure that we switch out those investments that we may foresee not being the best ones or a little bit higher volatility for you.","start":896.02,"end":908.345,"sentiment":"neutral","sentiment_score":0.01628021275003751},{"text":"But we still wanna make sure we do that by still minimizing that capital gains tax for you.","start":908.345,"end":913.805,"sentiment":"neutral","sentiment_score":0.12123006416691674},{"text":"Yep.","start":914.90497,"end":915.40497,"sentiment":"neutral","sentiment_score":0.022753247991204265},{"text":"But even with the capital gains tax that you save more in fees, and that's just like a one off capital gains tax fee as well.","start":915.545,"end":923.68,"sentiment":"neutral","sentiment_score":0.023840797850145742}],"sentiment":"neutral","sentiment_score":0.04488906885186831,"num_words":102,"start":885.295,"end":923.68},{"sentences":[{"text":"And that's the yearly fee difference between the investments.","start":923.68,"end":926.74,"sentiment":"neutral","sentiment_score":0.07073057939608891},{"text":"You will you will save more than that.","start":927.12,"end":929.14,"sentiment":"neutral","sentiment_score":0.27951580472290516},{"text":"Just Yeah.","start":931.04004,"end":932.16003,"sentiment":"neutral","sentiment_score":0.09499387070536613},{"text":"That does that make sense so far?","start":932.16003,"end":933.96497,"sentiment":"neutral","sentiment_score":0.2418539673089981},{"text":"Yeah.","start":935.065,"end":935.46497,"sentiment":"neutral","sentiment_score":0.27182257175445557}],"sentiment":"neutral","sentiment_score":0.1862033235806006,"num_words":27,"start":923.68,"end":935.46497},{"sentences":[{"text":"Okay.","start":935.46497,"end":935.96497,"sentiment":"positive","sentiment_score":0.40415072441101074},{"text":"Perfect.","start":936.105,"end":936.605,"sentiment":"positive","sentiment_score":0.5917637348175049},{"text":"Now on the next page, so page 17, I have included just a little bit longer time frame for you for your, which obviously stays the same as a comparison, your current hub 24, and then the recommended in hub 24 as well.","start":937.065,"end":956.68,"sentiment":"neutral","sentiment_score":0.26621323408082476},{"text":"And you can see that across all periods, the recommended in hub 24 has outperformed both Mercer and your your current portfolio as well, which is good when we are still considering twelve, three, and five.","start":957.14,"end":972.66504,"sentiment":"positive","sentiment_score":0.43871316800100935},{"text":"Yes.","start":972.66504,"end":973.16504,"sentiment":"neutral","sentiment_score":0.06558455526828766}],"sentiment":"positive","sentiment_score":0.3451505137562025,"num_words":82,"start":935.46497,"end":973.16504},{"sentences":[{"text":"Any questions so far?","start":974.745,"end":976.17004,"sentiment":"neutral","sentiment_score":0.03687059413641691},{"text":"Nope.","start":977.43,"end":977.93,"sentiment":"neutral","sentiment_score":-0.012217286042869093},{"text":"That makes sense.","start":977.99,"end":978.71,"sentiment":"neutral","sentiment_score":0.26288995146751404},{"text":"Perfect.","start":978.71,"end":979.21,"sentiment":"positive","sentiment_score":0.35353589057922363},{"text":"Now the next page is another table which can be confusing, which is page 18.","start":979.59,"end":986.41003,"sentiment":"neutral","sentiment_score":0.02402532088259856}],"sentiment":"neutral","sentiment_score":0.06824377703014761,"num_words":24,"start":974.745,"end":986.41003},{"sentences":[{"text":"Now this essentially highlights the changes in the investments that I have recommended.","start":986.95,"end":993.485,"sentiment":"neutral","sentiment_score":0.09326074472986735},{"text":"So, basically, how to look at it, you see your investment name.","start":993.485,"end":997.64496,"sentiment":"neutral","sentiment_score":0.055151745676994324},{"text":"So that is basically what they're called.","start":997.64496,"end":999.665,"sentiment":"neutral","sentiment_score":0.053613875061273575},{"text":"You have the kind of special code for that investment.","start":1000.20496,"end":1000.285,"sentiment":"neutral","sentiment_score":0.04464657660573721},{"text":"You then weight, so how much you actually have in that individual investment, what that translates through from a dollar value, and then you have the buy and sell column.","start":1000.285,"end":1018.095,"sentiment":"neutral","sentiment_score":0.08859005148212115}],"sentiment":"neutral","sentiment_score":0.07435659813280734,"num_words":72,"start":986.95,"end":1018.095},{"sentences":[{"text":"So this one here, what is highlighted in red is what I have recommended that we change, that we sell.","start":1018.235,"end":1025.215,"sentiment":"neutral","sentiment_score":0.08502562008798123},{"text":"What's in black is either what we are keeping in your portfolio or increasing or adding to your portfolio.","start":1026.075,"end":1034.1499,"sentiment":"neutral","sentiment_score":0.0574941523373127},{"text":"Does that make sense?","start":1034.2899,"end":1035.35,"sentiment":"neutral","sentiment_score":0.0707603981718421},{"text":"Yep.","start":1036.45,"end":1036.95,"sentiment":"neutral","sentiment_score":0.1384395956993103},{"text":"You then have your target weight, so how much we are aiming for in a percentage, and then what that looks like from the dollar value.","start":1037.1699,"end":1044.735,"sentiment":"neutral","sentiment_score":0.10644189755503948}],"sentiment":"neutral","sentiment_score":0.0854553117283753,"num_words":70,"start":1018.235,"end":1044.735},{"sentences":[{"text":"So at the top, Mercer, that stays the same for those insurances, but underneath it is then what I have recommended that we change.","start":1046.015,"end":1055.315,"sentiment":"neutral","sentiment_score":0.09201177923629682},{"text":"So with your investments, the kind of philosophy of how we structure investments hasn't changed.","start":1055.9349,"end":1062.8301,"sentiment":"neutral","sentiment_score":0.0892397532860438},{"text":"So we are still using that core and satellite approach to investing.","start":1063.29,"end":1068.03,"sentiment":"neutral","sentiment_score":0.15239106863737106},{"text":"Have you ever heard of that before, Nathan?","start":1068.25,"end":1070.1901,"sentiment":"neutral","sentiment_score":0.03798675537109375},{"text":"No.","start":1071.4501,"end":1071.8501,"sentiment":"neutral","sentiment_score":-0.040522366762161255}],"sentiment":"neutral","sentiment_score":0.09398239168028037,"num_words":60,"start":1046.015,"end":1071.8501},{"sentences":[{"text":"So, basically, what it means is that we invest majority of the funds in what we call, like, your core, which basically represents the backbone of the portfolio and are essentially kind of like your your biggest shareholding.","start":1071.8501,"end":1086.8351,"sentiment":"neutral","sentiment_score":0.12893536255547874},{"text":"These are very diversified investment options that have done really well in the past.","start":1087.6151,"end":1092.27,"sentiment":"positive","sentiment_score":0.5241699133600507},{"text":"So, for example, you can see that these are the ones that's the biggest allocation allocated through them.","start":1092.81,"end":1099.63,"sentiment":"neutral","sentiment_score":0.18381556206279331},{"text":"So you can see, for example, at 30%, you have iShares S and P five hundred.","start":1100.01,"end":1106.085,"sentiment":"neutral","sentiment_score":0.11332570621743798},{"text":"Can you see that?","start":1106.145,"end":1107.205,"sentiment":"neutral","sentiment_score":0.0833978783339262}],"sentiment":"neutral","sentiment_score":0.19659339437882106,"num_words":90,"start":1071.8501,"end":1107.205},{"sentences":[{"text":"Yeah.","start":1108.625,"end":1109.025,"sentiment":"neutral","sentiment_score":0.17292872071266174},{"text":"So you had already 29.29% in that investment option.","start":1109.025,"end":1113.1849,"sentiment":"neutral","sentiment_score":0.18453525089555317},{"text":"It's just kind of rounding it up to 30%.","start":1113.1849,"end":1115.765,"sentiment":"neutral","sentiment_score":0.1641682195994589},{"text":"Now this one here is very diversified because it invests in the 500 largest companies listed in The US.","start":1116.465,"end":1124.1101,"sentiment":"neutral","sentiment_score":0.26127659490233973},{"text":"So you have a very good exposure to all the big companies like Apple, Microsoft, Amazon.","start":1124.65,"end":1130.43,"sentiment":"positive","sentiment_score":0.4160777758806944}],"sentiment":"neutral","sentiment_score":0.2765325865259877,"num_words":54,"start":1108.625,"end":1130.43},{"sentences":[{"text":"Yes.","start":1131.6101,"end":1131.93,"sentiment":"neutral","sentiment_score":0.31983482837677},{"text":"Very diversified of having 500 companies in that one single investment.","start":1131.93,"end":1137.335,"sentiment":"neutral","sentiment_score":0.3240929462692954},{"text":"Yep.","start":1138.035,"end":1138.535,"sentiment":"neutral","sentiment_score":0.17964202165603638},{"text":"Now what we then have another of your core options is what we have changed.","start":1139.475,"end":1145.3151,"sentiment":"neutral","sentiment_score":0.026447414606809615},{"text":"So you had before Benelon Australian Equity, which is, like, at the top there where it's, like, the minus 29,000.","start":1145.3151,"end":1152.78,"sentiment":"neutral","sentiment_score":-0.028564860671758653}],"sentiment":"neutral","sentiment_score":0.0810398596804589,"num_words":48,"start":1131.6101,"end":1152.78},{"sentences":[{"text":"That was that one I touched on during the under review that we wanted to look at changing out of that was underperforming.","start":1153.72,"end":1158.86,"sentiment":"neutral","sentiment_score":-0.07398615761295609},{"text":"So instead of that one, we've included at the bottom on this table, you say beta shares Australia 200.","start":1160.04,"end":1168.005,"sentiment":"neutral","sentiment_score":0.00599401179505022},{"text":"Can you see that?","start":1168.005,"end":1168.905,"sentiment":"neutral","sentiment_score":0.02926727430894971},{"text":"At 20%.","start":1169.525,"end":1171.0651,"sentiment":"neutral","sentiment_score":0.05716175213456154},{"text":"So this one invests in the 200 largest companies listed on the ASX.","start":1171.285,"end":1176.425,"sentiment":"neutral","sentiment_score":0.09680890263273166}],"sentiment":"neutral","sentiment_score":-0.0016047059878951213,"num_words":61,"start":1153.72,"end":1176.425},{"sentences":[{"text":"So in Australia.","start":1177.125,"end":1178.185,"sentiment":"neutral","sentiment_score":0.0899812603990237},{"text":"So you'll have companies like, you know, Commonwealth and BHP and Woolworths, all the big companies.","start":1178.19,"end":1183.8899,"sentiment":"neutral","sentiment_score":0.14210718590766191},{"text":"Again, very diversified, but not in The US, here in Australia.","start":1183.95,"end":1188.2899,"sentiment":"neutral","sentiment_score":0.052070080895315514},{"text":"Yep.","start":1190.2699,"end":1190.7699,"sentiment":"neutral","sentiment_score":0.21498271822929385},{"text":"Now what you then also have is some of the kind of defensive investments because we wanna increase the exposure to your defensive a little bit.","start":1190.9099,"end":1201.3251,"sentiment":"neutral","sentiment_score":0.13829701651747411}],"sentiment":"neutral","sentiment_score":0.12152868058336408,"num_words":57,"start":1177.125,"end":1201.3251},{"sentences":[{"text":"So if you scroll down, this table kind of spills over through two pages.","start":1201.7051,"end":1206.2899,"sentiment":"neutral","sentiment_score":0.0853278495903526},{"text":"So the next page, you can see gold and then iShares core composite bond.","start":1207.63,"end":1212.83,"sentiment":"neutral","sentiment_score":0.10336259539638247},{"text":"Can you see that?","start":1212.83,"end":1213.8099,"sentiment":"neutral","sentiment_score":0.12220798805356026},{"text":"Yeah.","start":1215.07,"end":1215.57,"sentiment":"neutral","sentiment_score":0.02318963222205639},{"text":"So, obviously, you have your gold, which is a very good kind of stable investment investment when there are a bit of market fluctuations.","start":1215.63,"end":1222.1549,"sentiment":"positive","sentiment_score":0.5046948492527008}],"sentiment":"neutral","sentiment_score":0.26783095081255104,"num_words":57,"start":1201.7051,"end":1222.1549},{"sentences":[{"text":"So it's allocating about 10% of your kind of defensive alternative investments to gold, kind of stabilizing a little bit for you.","start":1222.455,"end":1231.595,"sentiment":"positive","sentiment_score":0.5169793238694017},{"text":"And then the 14% at the bottom is, like, your fixed interest, again, to kinda give you that defensive element of limit fluctuations a little bit.","start":1231.815,"end":1242.16,"sentiment":"neutral","sentiment_score":0.3109024820419458},{"text":"Now if you scroll back up to that table we were on page 18 again, the rest of your investments are kind of what we call your satellite investment.","start":1244.0599,"end":1254.365,"sentiment":"neutral","sentiment_score":0.09884114948839977},{"text":"Now what that is is kind of your more dynamic and specialized investments.","start":1255.225,"end":1261.005,"sentiment":"neutral","sentiment_score":0.16172685474157333},{"text":"They kind of target specific sectors or regions or assets to kinda maximize that growth for you.","start":1261.705,"end":1269.27,"sentiment":"neutral","sentiment_score":0.22299081262420206}],"sentiment":"neutral","sentiment_score":0.2637074385012422,"num_words":107,"start":1222.455,"end":1269.27},{"sentences":[{"text":"But they can be a little bit more volatile, and that is why they only represent a smaller portion, but not as much.","start":1269.65,"end":1277.535,"sentiment":"neutral","sentiment_score":-0.04669863690176736},{"text":"Yet.","start":1277.935,"end":1278.435,"sentiment":"neutral","sentiment_score":-0.00808665156364441},{"text":"So and we've reduced this a little bit for you for because in that high growth, you have a little bit more exposure to those satellite investments.","start":1278.975,"end":1286.915,"sentiment":"neutral","sentiment_score":0.03591540442020805},{"text":"In the growth, you have a little bit less.","start":1287.135,"end":1289.3151,"sentiment":"neutral","sentiment_score":0.0005344599485397339},{"text":"So you can see, for example, the first one of 5% is the beta share cybersecurity.","start":1289.375,"end":1295.68,"sentiment":"neutral","sentiment_score":0.10288899950683117}],"sentiment":"neutral","sentiment_score":0.020244667772203684,"num_words":76,"start":1269.65,"end":1295.68},{"sentences":[{"text":"You already have that one in your portfolio.","start":1296.06,"end":1298.24,"sentiment":"neutral","sentiment_score":0.14139582216739655},{"text":"We're just reducing it down to 5%.","start":1298.94,"end":1301.68,"sentiment":"neutral","sentiment_score":0.0949338089142527},{"text":"We then have 8% in shares Europe.","start":1303.5,"end":1307.665,"sentiment":"neutral","sentiment_score":0.19270444980689458},{"text":"You already have that one again in your investment.","start":1307.665,"end":1310.165,"sentiment":"neutral","sentiment_score":0.29082102908028495},{"text":"It is just kind of increasing at up to eight percent.","start":1311.025,"end":1314.5651,"sentiment":"positive","sentiment_score":0.3519698218865828}],"sentiment":"neutral","sentiment_score":0.22937361168719472,"num_words":42,"start":1296.06,"end":1314.5651},{"sentences":[{"text":"Again, we want to make sure that your portfolio is very diversified and not just dependent on just The US or Australia.","start":1314.9451,"end":1324.01,"sentiment":"neutral","sentiment_score":0.2438064827160402},{"text":"We wanna kind of have you spread across the world as well to give you that diversification.","start":1324.07,"end":1329.29,"sentiment":"positive","sentiment_score":0.3673820355359246},{"text":"Now other investments, you can then see at the bottom of this page, you have 5% added to Japan and then 8% to one investment.","start":1330.79,"end":1341.2949,"sentiment":"neutral","sentiment_score":0.12251193508505821},{"text":"That's called your Vanguard All World.","start":1341.2949,"end":1343.395,"sentiment":"neutral","sentiment_score":0.13770699128508568},{"text":"You may have heard of Vanguard before.","start":1343.9349,"end":1345.5349,"sentiment":"neutral","sentiment_score":0.057657858090741296}],"sentiment":"neutral","sentiment_score":0.20651795526410077,"num_words":77,"start":1314.9451,"end":1345.5349},{"sentences":[{"text":"They're quite big as well.","start":1345.5349,"end":1347.075,"sentiment":"neutral","sentiment_score":0.12898067086935044},{"text":"Yes.","start":1348.255,"end":1348.755,"sentiment":"neutral","sentiment_score":0.11171381175518036},{"text":"So that one here is essentially invest in companies all around the globe, but it excludes The US because you already have quite a bit of exposure to The US in that iShares S and P 500.","start":1348.895,"end":1361.21,"sentiment":"neutral","sentiment_score":0.033816450753727474},{"text":"So we also wanna make sure we don't have too much in in one market.","start":1361.35,"end":1364.2032,"sentiment":"neutral","sentiment_score":-0.04291131844123205},{"text":"So it basically excludes The US, but it basically excludes The US, but invest everywhere else.","start":1364.2032,"end":1368.7749,"sentiment":"neutral","sentiment_score":-0.016345720505341887}],"sentiment":"neutral","sentiment_score":0.014900331611971598,"num_words":74,"start":1345.5349,"end":1368.7749},{"sentences":[{"text":"Does that does that make sense?","start":1369.235,"end":1370.7749,"sentiment":"neutral","sentiment_score":0.3298818717400233},{"text":"Yeah.","start":1371.7949,"end":1372.195,"sentiment":"positive","sentiment_score":0.3709374666213989},{"text":"Perfect.","start":1372.195,"end":1372.695,"sentiment":"positive","sentiment_score":0.7060316801071167},{"text":"Now if you wanted to go and have a bit of a read over these investments in your in your own time whenever you have a spare moment, In the appendix, I have included investment links to each and every single one of these investments.","start":1373.075,"end":1385.71,"sentiment":"neutral","sentiment_score":0.2372725024819374},{"text":"So there's that full transparency for you that you can click on and have a read over if you would like as well.","start":1386.01,"end":1392.27,"sentiment":"neutral","sentiment_score":0.20972194555013077}],"sentiment":"neutral","sentiment_score":0.24417273337511639,"num_words":76,"start":1369.235,"end":1392.27},{"sentences":[{"text":"Yep.","start":1393.77,"end":1394.27,"sentiment":"neutral","sentiment_score":0.2875819802284241},{"text":"Now on the page 19, you can then kind of see a a cash account table.","start":1394.775,"end":1400.135,"sentiment":"neutral","sentiment_score":0.10677031148225069},{"text":"Can you see that?","start":1400.135,"end":1401.1951,"sentiment":"neutral","sentiment_score":0.06546407658606768},{"text":"Yep.","start":1402.375,"end":1402.775,"sentiment":"neutral","sentiment_score":0.08312694728374481},{"text":"So with hub twenty four, you have to have a minimum of 1.25% of the funds in cash just to kind of account for fees and and stuff like that.","start":1402.775,"end":1413.94,"sentiment":"neutral","sentiment_score":0.09132654890418053}],"sentiment":"neutral","sentiment_score":0.09770551316726667,"num_words":52,"start":1393.77,"end":1413.94},{"sentences":[{"text":"Now we wanna keep it as close to that 1.25 as possible because, obviously, the cash isn't gonna grow near as much as your investments.","start":1414.16,"end":1421.54,"sentiment":"neutral","sentiment_score":0.0593809013068676},{"text":"So that's basically what this shows that we're trying to aim at as close to that 1.25 as possible.","start":1422.0,"end":1427.175,"sentiment":"neutral","sentiment_score":0.14353167736216596},{"text":"Yep.","start":1429.555,"end":1429.875,"sentiment":"neutral","sentiment_score":0.06980518251657486},{"text":"Now the next page shows you the asset allocation.","start":1429.875,"end":1434.375,"sentiment":"neutral","sentiment_score":0.05851096080409156},{"text":"So, again, another table, but it shows you your risk profile first.","start":1435.395,"end":1440.12,"sentiment":"neutral","sentiment_score":0.049909623650213085}],"sentiment":"neutral","sentiment_score":0.0819233896380121,"num_words":66,"start":1414.16,"end":1440.12},{"sentences":[{"text":"So you can see that kind of 80% of growth, 20 in defensive.","start":1440.12,"end":1445.1,"sentiment":"neutral","sentiment_score":0.09095550041932327},{"text":"It does vary a little bit depending on market fluctuations, but keeping it around that.","start":1445.32,"end":1451.5,"sentiment":"neutral","sentiment_score":0.0512780266503493},{"text":"You can then see your existing.","start":1451.7999,"end":1453.735,"sentiment":"neutral","sentiment_score":0.0999011645714442},{"text":"So you can see that currently, you're in 88.72 growth and then 11.28 in defensive.","start":1454.115,"end":1461.975,"sentiment":"neutral","sentiment_score":0.10913022756576538},{"text":"And you can then see that the proposed, you can see, is a little bit higher in those defensive investments and reducing that growth down a little bit for you.","start":1462.675,"end":1472.7699,"sentiment":"neutral","sentiment_score":0.08108577281236648}],"sentiment":"neutral","sentiment_score":0.0838041201328175,"num_words":79,"start":1440.12,"end":1472.7699},{"sentences":[{"text":"Yep.","start":1473.7899,"end":1474.2899,"sentiment":"neutral","sentiment_score":0.24412843585014343},{"text":"Which, again, is very good that the recommended growth has still outperformed your your high growth.","start":1474.99,"end":1480.2899,"sentiment":"positive","sentiment_score":0.6263893004506826},{"text":"Because, typically, when we're talking about a longer period of time, we can we tend to see high growth outperforming a little bit, but then you don't have as much fluctuations in the growth.","start":1480.5099,"end":1491.105,"sentiment":"neutral","sentiment_score":0.22179806374889963},{"text":"But in this instance, it's very good that the portfolio has kind of been targeted for diversification and to limit those fluctuations while still making sure we are targeting growth because we still wanna make sure that your money is working hard for you when you are not contributing.","start":1491.105,"end":1506.0399,"sentiment":"positive","sentiment_score":0.5782687213956094},{"text":"Yep.","start":1507.94,"end":1508.44,"sentiment":"neutral","sentiment_score":0.26661500334739685}],"sentiment":"positive","sentiment_score":0.4594977600223357,"num_words":101,"start":1473.7899,"end":1508.44},{"sentences":[{"text":"Now the next couple of pages talks about that estate planning.","start":1508.8999,"end":1514.4751,"sentiment":"neutral","sentiment_score":0.12635677714239468},{"text":"So I will kind of let you have a read over it.","start":1514.4751,"end":1516.895,"sentiment":"neutral","sentiment_score":0.1304672515640656},{"text":"It is something I always tell everyone to consider, and I know we talked about it the the during the annual review, but it does talk about setting up a will, the importance of setting up a will.","start":1516.9551,"end":1528.8999,"sentiment":"neutral","sentiment_score":0.13316917968423744},{"text":"It also talks about power of attorney.","start":1529.6799,"end":1533.86,"sentiment":"neutral","sentiment_score":0.07508713006973267},{"text":"So on page 24, it talks about the different types of power of attorney that you can make and, again, the benefits and stuff in regards to making a power of attorney nomination, things to be mindful of.","start":1533.9199,"end":1549.875,"sentiment":"neutral","sentiment_score":0.11228244408572975}],"sentiment":"neutral","sentiment_score":0.12083304887813218,"num_words":106,"start":1508.8999,"end":1549.875},{"sentences":[{"text":"And then you also have in regards to guardian importance of considering this as well as part of kind of the estate planning if something ever were to happen to you.","start":1550.4149,"end":1566.9551,"sentiment":"neutral","sentiment_score":0.11737822548997018},{"text":"So that's just basically there for you so you can have a bit of a read over it.","start":1566.9551,"end":1570.495,"sentiment":"neutral","sentiment_score":0.21082458645105362},{"text":"Now you will then have ongoing services, so page 28, if you can see that.","start":1572.555,"end":1579.375,"sentiment":"neutral","sentiment_score":0.18302624026934305},{"text":"Yep.","start":1580.875,"end":1581.275,"sentiment":"neutral","sentiment_score":0.2152806967496872},{"text":"Perfect.","start":1581.275,"end":1581.775,"sentiment":"positive","sentiment_score":0.34426143765449524}],"sentiment":"neutral","sentiment_score":0.16270459522352074,"num_words":66,"start":1550.4149,"end":1581.775},{"sentences":[{"text":"So, again, we kinda touched on this during the annual review, whereas, obviously, we wanna make sure that we always touch base and reassess the advice depending on what is going on for you.","start":1581.8351,"end":1591.03,"sentiment":"neutral","sentiment_score":0.19475621642435298},{"text":"So the minimum is obviously the under review where we reassess everything.","start":1591.81,"end":1595.35,"sentiment":"neutral","sentiment_score":0.1335265257706245},{"text":"But if anything changes for you, just let me know because we can definitely do a lot more catch up than just yearly just to make sure, obviously, everything continues to align and, obviously, that you are happy.","start":1595.49,"end":1609.335,"sentiment":"positive","sentiment_score":0.3715008403125562},{"text":"And if you need any other advice or guidance or any anything else, then just just give us a call.","start":1609.335,"end":1615.42,"sentiment":"neutral","sentiment_score":0.15351519733667374},{"text":"Yeah.","start":1617.0801,"end":1617.56,"sentiment":"neutral","sentiment_score":0.21033552289009097}],"sentiment":"neutral","sentiment_score":0.24401620065882093,"num_words":105,"start":1581.8351,"end":1617.56},{"sentences":[{"text":"Perfect.","start":1617.56,"end":1618.06,"sentiment":"neutral","sentiment_score":0.3117125332355499},{"text":"Now the last thing is just then in regards to remuneration, which is page 30.","start":1619.3201,"end":1626.485,"sentiment":"neutral","sentiment_score":0.14814209739367168},{"text":"Now like I touched on again during the under review, there is no changes whatsoever in regards to that fee structure.","start":1627.6649,"end":1634.1649,"sentiment":"neutral","sentiment_score":0.1581497217218081},{"text":"That stays exactly the same at 1.65, and that was factored into those projections I showed you earlier as well.","start":1634.465,"end":1638.225,"sentiment":"neutral","sentiment_score":0.25415914356708524},{"text":"So it still shows you yeah.","start":1638.225,"end":1643.56,"sentiment":"neutral","sentiment_score":0.10816118121147156}],"sentiment":"neutral","sentiment_score":0.18392282712554175,"num_words":63,"start":1617.56,"end":1643.56},{"sentences":[{"text":"So that shows you everything of making sure that even though you are not contributing, that the return on the investment will outperform, you know, any fees, adviser fees, platform fees, insurances, everything to make sure that everything still continues to grow and move forward for you.","start":1643.56,"end":1660.955,"sentiment":"positive","sentiment_score":0.5674998386109129},{"text":"Yep.","start":1663.4149,"end":1663.9149,"sentiment":"positive","sentiment_score":0.3393281102180481},{"text":"Now like I said again, doing the under review, not a lock in contract.","start":1664.9349,"end":1667.73,"sentiment":"neutral","sentiment_score":0.04695287373449121},{"text":"So if at any point in time, things change for you or if you are not happy, it's not like you're locked in to a twelve month period.","start":1667.73,"end":1674.93,"sentiment":"neutral","sentiment_score":-0.13568261691502162},{"text":"You can call us whenever you want to if you are not happy or if you wanna reassess anything.","start":1674.93,"end":1686.765,"sentiment":"neutral","sentiment_score":-0.08525070665698302}],"sentiment":"neutral","sentiment_score":0.2041310463955096,"num_words":109,"start":1643.56,"end":1686.765},{"sentences":[{"text":"Yes.","start":1694.53,"end":1695.03,"sentiment":"neutral","sentiment_score":-0.06575261056423187},{"text":"Because so much could have changed.","start":1695.25,"end":1697.3301,"sentiment":"neutral","sentiment_score":-0.15525192022323608},{"text":"And, obviously, because there will be a period of time where, let's say, we are not managing it.","start":1697.3301,"end":1701.01,"sentiment":"neutral","sentiment_score":-0.1206043048037423},{"text":"But let's say you were to go, no.","start":1701.01,"end":1703.3301,"sentiment":"neutral","sentiment_score":-0.07877555908635259},{"text":"I don't want to stay on as a client anymore.","start":1703.3301,"end":1705.75,"sentiment":"neutral","sentiment_score":-0.12877704203128815}],"sentiment":"neutral","sentiment_score":-0.11828177933429562,"num_words":43,"start":1694.53,"end":1705.75},{"sentences":[{"text":"But let's say you wanted to roll through Australia, for example, or stay in Hub 24 but manage, obviously, all your investments yourself.","start":1706.0651,"end":1714.3251,"sentiment":"neutral","sentiment_score":-0.00787461816292742},{"text":"Then what also happens in Hub twenty four is if you don't have an adviser attached to it, they will move you to a different product menu, and you don't have the same kind of selection when it comes to investment.","start":1715.905,"end":1726.69,"sentiment":"neutral","sentiment_score":-0.03698708053405692},{"text":"But let's say you wanted to to do that yourself for, let's say, twelve months, then when you kind of if you come back and say, oh, okay.","start":1727.23,"end":1734.99,"sentiment":"neutral","sentiment_score":-0.017633881586204683},{"text":"Well, I'm back working, and and everything is you know, I wanna consider all of that for you, then we we couldn't, but we have to reassess everything again.","start":1734.99,"end":1746.085,"sentiment":"neutral","sentiment_score":0.012246178398872244},{"text":"So we would have to do, like, the full onboarding, new applications for everything because we don't really know, obviously, what could have happened to all your investments, your advice, and everything, making sure it stays aligned with you.","start":1746.085,"end":1758.3099,"sentiment":"neutral","sentiment_score":-0.0385254106651514}],"sentiment":"neutral","sentiment_score":-0.02086679404019378,"num_words":160,"start":1706.0651,"end":1758.3099},{"sentences":[{"text":"So yes.","start":1758.77,"end":1759.6699,"sentiment":"negative","sentiment_score":-0.40536974370479584},{"text":"Yeah.","start":1760.45,"end":1760.85,"sentiment":"neutral","sentiment_score":0.08343766629695892},{"text":"So it's definitely possible.","start":1760.85,"end":1761.7389,"sentiment":"neutral","sentiment_score":0.15372775169089437},{"text":"There's no exit fees or anything like that, but it would basically mean if you decide to leave, we'll fees or anything like that, but it would basically mean if you decide to leave, then come back on board.","start":1761.7389,"end":1767.815,"sentiment":"neutral","sentiment_score":0.03829679533075064},{"text":"We would have to kind of do everything at the start as well for you.","start":1767.815,"end":1772.475,"sentiment":"neutral","sentiment_score":0.07817716722687086}],"sentiment":"neutral","sentiment_score":0.04186625757300463,"num_words":61,"start":1758.77,"end":1772.475},{"sentences":[{"text":"But, yes, you are not locked in at any point in time.","start":1773.495,"end":1775.61,"sentiment":"neutral","sentiment_score":0.035192858427762985},{"text":"So, yeah, if anything changes or you guys decide to move overseas or whatever it might be, it's not like you're locked in at all.","start":1775.61,"end":1783.71,"sentiment":"neutral","sentiment_score":0.000034758523106574735},{"text":"Yeah.","start":1785.21,"end":1785.71,"sentiment":"neutral","sentiment_score":0.22260147333145144},{"text":"Now, also, obviously, this all part of the ongoing advising.","start":1786.8099,"end":1790.725,"sentiment":"neutral","sentiment_score":0.1612490311264992},{"text":"So if you, obviously, take a moment to have a read over it.","start":1791.4249,"end":1794.865,"sentiment":"neutral","sentiment_score":0.17760659754276276}],"sentiment":"neutral","sentiment_score":0.07487148880103572,"num_words":61,"start":1773.495,"end":1794.865},{"sentences":[{"text":"If you have any questions, let me know.","start":1794.865,"end":1796.965,"sentiment":"neutral","sentiment_score":0.15139460749924183},{"text":"If you do have a read over it and you are happy, to give it a go and see how things are going, it would then be just to sign those documents digitally same as for the under review.","start":1797.2649,"end":1808.49,"sentiment":"neutral","sentiment_score":0.308240566498194},{"text":"It will then automatically send it back to me, and that would let me know that you are happy with the recommendation, and I will let the investment team know.","start":1808.87,"end":1817.61,"sentiment":"positive","sentiment_score":0.4596367468436559},{"text":"There's no additional fees or charges with it, though.","start":1817.825,"end":1819.905,"sentiment":"neutral","sentiment_score":0.14261780348089007},{"text":"So it's not like an additional fees.","start":1819.905,"end":1821.585,"sentiment":"neutral","sentiment_score":0.05529852371130671}],"sentiment":"neutral","sentiment_score":0.30851926081763803,"num_words":93,"start":1794.865,"end":1821.585},{"sentences":[{"text":"If you wanted to go ahead with the changes, it is all part of that ongoing advice fee.","start":1821.585,"end":1825.825,"sentiment":"neutral","sentiment_score":0.13577315873569912},{"text":"So no additional fees and charges.","start":1825.825,"end":1827.6849,"sentiment":"neutral","sentiment_score":0.06995229919751485},{"text":"Yeah.","start":1829.105,"end":1829.605,"sentiment":"neutral","sentiment_score":0.2893557548522949},{"text":"Yes.","start":1840.6699,"end":1841.1699,"sentiment":"neutral","sentiment_score":0.12900906801223755},{"text":"Correct.","start":1848.9249,"end":1849.4249,"sentiment":"neutral","sentiment_score":0.032166048884391785}],"sentiment":"neutral","sentiment_score":0.12274672311765177,"num_words":27,"start":1821.585,"end":1849.4249},{"sentences":[{"text":"Correct.","start":1849.645,"end":1850.145,"sentiment":"neutral","sentiment_score":0.029192570596933365},{"text":"Correct.","start":1850.605,"end":1851.105,"sentiment":"neutral","sentiment_score":0.0723186731338501},{"text":"This is why we the balance because things do fluctuate on a So, yes, even if, let's say let's say, you sign the documents tomorrow and then we were to place a trade the following day and your super has gone up, it's the same.","start":1851.245,"end":1866.41,"sentiment":"neutral","sentiment_score":0.09316649399697781},{"text":"It's all kind of realigned to your balance at the time.","start":1866.41,"end":1870.27,"sentiment":"neutral","sentiment_score":0.13441739976406097},{"text":"Yes.","start":1871.93,"end":1872.225,"sentiment":"neutral","sentiment_score":0.23754090070724487}],"sentiment":"neutral","sentiment_score":0.10186670799502882,"num_words":59,"start":1849.645,"end":1872.225},{"sentences":[{"text":"Yeah.","start":1873.4249,"end":1873.745,"sentiment":"neutral","sentiment_score":0.03517807275056839},{"text":"Well, that's a good question.","start":1873.745,"end":1874.885,"sentiment":"neutral","sentiment_score":0.07016580253839493},{"text":"Mhmm.","start":1877.7051,"end":1878.2051,"sentiment":"neutral","sentiment_score":0.017031777650117874},{"text":"Yes.","start":1881.025,"end":1881.525,"sentiment":"neutral","sentiment_score":0.02545572631061077},{"text":"Yep.","start":1882.145,"end":1882.645,"sentiment":"neutral","sentiment_score":0.012268858961760998}],"sentiment":"neutral","sentiment_score":0.04897371648500363,"num_words":9,"start":1873.4249,"end":1882.645},{"sentences":[{"text":"Yes.","start":1887.025,"end":1887.39,"sentiment":"neutral","sentiment_score":0.021571896970272064},{"text":"Yeah.","start":1894.83,"end":1895.33,"sentiment":"neutral","sentiment_score":-0.0011472925543785095},{"text":"Yes.","start":1912.685,"end":1913.185,"sentiment":"neutral","sentiment_score":-0.13449367880821228},{"text":"Yes.","start":1915.23,"end":1915.73,"sentiment":"neutral","sentiment_score":-0.09323615580797195},{"text":"The capital gains tax will be the big one, which would be so in the alternative, if you wanna scroll up to page 15 for me.","start":1915.95,"end":1924.77,"sentiment":"neutral","sentiment_score":-0.1446113751914639}],"sentiment":"neutral","sentiment_score":-0.13224003283927838,"num_words":30,"start":1887.025,"end":1924.77},{"sentences":[{"text":"Yep.","start":1927.71,"end":1928.21,"sentiment":"neutral","sentiment_score":0.06662090122699738},{"text":"Alternatives considered.","start":1929.47,"end":1930.69,"sentiment":"neutral","sentiment_score":0.05674946308135986},{"text":"So I did consider other super funds for you, and some were one, the more kind of more competitive was my north, but we also consider, like, all super, and we consider a lot of funds because, again, there's nothing tying us to hub twenty four.","start":1930.725,"end":1944.6699,"sentiment":"neutral","sentiment_score":0.04080377057518648},{"text":"But we do research on all the options just to see whatever is best for you.","start":1944.6699,"end":1948.85,"sentiment":"neutral","sentiment_score":0.059494241839274764},{"text":"And because, obviously, your super has gone up a bit since you came on board, which is great, the downside is that capital gains tax.","start":1949.23,"end":1957.73,"sentiment":"neutral","sentiment_score":-0.20391444981098175}],"sentiment":"neutral","sentiment_score":-0.023209556688865027,"num_words":90,"start":1927.71,"end":1957.73},{"sentences":[{"text":"So if you were to say tomorrow, you go, now I wanna roll out to Australian super, that capital gains tax would be applicable.","start":1958.0299,"end":1965.495,"sentiment":"neutral","sentiment_score":-0.04095184989273548},{"text":"It would, again, all be within the super environment, but that would be about that 1,955 for the capital gains tax.","start":1965.5549,"end":1975.6499,"sentiment":"neutral","sentiment_score":-0.05720497862923713},{"text":"And then you also have, like, brokerage fees to sell investments.","start":1975.6499,"end":1979.9099,"sentiment":"neutral","sentiment_score":0.007200512357733466},{"text":"There's not, like, exit fees to leave.","start":1980.0499,"end":1982.3099,"sentiment":"neutral","sentiment_score":-0.014469137282243796},{"text":"It would just be in regards to selling down your investments.","start":1982.45,"end":1986.63,"sentiment":"neutral","sentiment_score":0.0007449571381915699}],"sentiment":"neutral","sentiment_score":-0.02970314520486706,"num_words":74,"start":1958.0299,"end":1986.63},{"sentences":[{"text":"That would be the thing.","start":1987.585,"end":1988.385,"sentiment":"neutral","sentiment_score":0.04438823312520981},{"text":"But, yeah, capital gains tax is is a big thing that we do consider.","start":1988.385,"end":1991.765,"sentiment":"neutral","sentiment_score":0.061496349051594734},{"text":"Yeah.","start":1993.985,"end":1994.485,"sentiment":"neutral","sentiment_score":0.10916353762149812},{"text":"Yes.","start":1996.705,"end":1997.205,"sentiment":"neutral","sentiment_score":0.12687601149082184},{"text":"Yeah.","start":1998.625,"end":1999.125,"sentiment":"neutral","sentiment_score":0.04013792797923088}],"sentiment":"neutral","sentiment_score":0.061775796792723915,"num_words":22,"start":1987.585,"end":1999.125},{"sentences":[{"text":"And I'm I'm glad you did because sometimes people might might think they're like, oh, that's it.","start":2004.98,"end":2010.1,"sentiment":"positive","sentiment_score":0.3985735559288193},{"text":"And then it's like, well, let's say if 5,000 came out intact, they go, oh, I didn't know that.","start":2010.1,"end":2016.035,"sentiment":"neutral","sentiment_score":0.1815420102916266},{"text":"I was like, yeah.","start":2016.035,"end":2016.595,"sentiment":"neutral","sentiment_score":0.1947815641760826},{"text":"That's why we do the research for you as well through make sure at the end of the day, we factor in everything.","start":2016.595,"end":2021.735,"sentiment":"neutral","sentiment_score":0.2482683865920357},{"text":"And you know?","start":2022.675,"end":2024.455,"sentiment":"neutral","sentiment_score":0.29634910821914673}],"sentiment":"neutral","sentiment_score":0.2667181078683246,"num_words":66,"start":2004.98,"end":2024.455},{"sentences":[{"text":"Yeah.","start":2024.595,"end":2025.06,"sentiment":"neutral","sentiment_score":0.1768292784690857},{"text":"Yes.","start":2027.3,"end":2027.8,"sentiment":"positive","sentiment_score":0.39113977551460266},{"text":"Definitely.","start":2028.5,"end":2029.0,"sentiment":"positive","sentiment_score":0.408348023891449},{"text":"And like I said, that's not to say that forever HubSpot will be the best option because you never know.","start":2029.14,"end":2034.7401,"sentiment":"neutral","sentiment_score":0.09324789233505726},{"text":"Like, there could be six months or a year or two years or whatever it might be that another very competitive option comes out that is very cheap, then we would research and consider if that's going to be the best for you.","start":2034.7401,"end":2046.235,"sentiment":"neutral","sentiment_score":0.14391352998655896}],"sentiment":"neutral","sentiment_score":0.13681146536361088,"num_words":66,"start":2024.595,"end":2046.235},{"sentences":[{"text":"But, again, we would factor in, okay, what are the returns on the investments, what are the fees, what are capital gains?","start":2046.235,"end":2051.915,"sentiment":"neutral","sentiment_score":0.14039973711425607},{"text":"Like, you would factor in kind of a holistic approach before deciding if that is going to be the best, which is kind of where this statement of advice and everything comes into place.","start":2051.915,"end":2061.3599,"sentiment":"neutral","sentiment_score":0.20361840418156454},{"text":"It takes a while to obviously put together all the research, but it's through making sure that the recommendations we do make are in best interest for you also puts you in that better position.","start":2061.3599,"end":2071.5352,"sentiment":"neutral","sentiment_score":0.3049685146127428},{"text":"So it's not just a matter of, oh, okay.","start":2071.5352,"end":2073.215,"sentiment":"neutral","sentiment_score":0.11166564209593667},{"text":"We'll just do this.","start":2073.215,"end":2074.8352,"sentiment":"neutral","sentiment_score":0.1653090864419937}],"sentiment":"neutral","sentiment_score":0.21492254898811763,"num_words":104,"start":2046.235,"end":2074.8352},{"sentences":[{"text":"It's a lot that goes in from a compliance point and making sure that you are looked after at the end of the day before we, you know, make a recommendation.","start":2075.135,"end":2083.98,"sentiment":"neutral","sentiment_score":0.1592801352662425},{"text":"And it's the same, like, I can't just tell you straight away, oh, yeah.","start":2084.2,"end":2086.84,"sentiment":"neutral","sentiment_score":0.0620232317596674},{"text":"Do this.","start":2086.84,"end":2087.4,"sentiment":"neutral","sentiment_score":0.03530408628284931},{"text":"We'd have to obviously do all the research and making sure that's the best for you before we can officially be, yes.","start":2087.4,"end":2093.64,"sentiment":"neutral","sentiment_score":0.1758673922582106},{"text":"I recommend you do this because of x y zed.","start":2093.64,"end":2096.405,"sentiment":"positive","sentiment_score":0.3696849226951599}],"sentiment":"neutral","sentiment_score":0.17015885401375686,"num_words":79,"start":2075.135,"end":2096.405},{"sentences":[{"text":"Yeah.","start":2098.865,"end":2099.345,"sentiment":"neutral","sentiment_score":0.27569684386253357},{"text":"Now any other questions for me, Nathan?","start":2099.345,"end":2101.365,"sentiment":"neutral","sentiment_score":0.08151660114526749},{"text":"No?","start":2103.425,"end":2103.925,"sentiment":"neutral","sentiment_score":-0.10821852833032608},{"text":"No.","start":2104.145,"end":2104.385,"sentiment":"neutral","sentiment_score":-0.10628713667392732},{"text":"Good.","start":2104.385,"end":2104.885,"sentiment":"neutral","sentiment_score":0.16556388139724731}],"sentiment":"neutral","sentiment_score":0.07248829711567271,"num_words":11,"start":2098.865,"end":2104.885},{"sentences":[{"text":"Now I'm sure you're you're busy.","start":2106.0652,"end":2108.165,"sentiment":"neutral","sentiment_score":0.06776039178172748},{"text":"So I will leave this document with you.","start":2109.05,"end":2111.93,"sentiment":"neutral","sentiment_score":0.12985144462436438},{"text":"Now take your time.","start":2111.93,"end":2113.29,"sentiment":"neutral","sentiment_score":0.21110287308692932},{"text":"Have a read over it.","start":2113.29,"end":2114.67,"sentiment":"neutral","sentiment_score":0.23052942454814912},{"text":"Like I said, any questions or anything, just give me a call or send me an email, and we can always book in another follow-up to go through it.","start":2114.89,"end":2122.27,"sentiment":"neutral","sentiment_score":0.15463017646608682}],"sentiment":"neutral","sentiment_score":0.1524366853901973,"num_words":52,"start":2106.0652,"end":2122.27},{"sentences":[{"text":"Otherwise, if you do have a read through it and you are happy with the the recommendation, like I said, to move forward, it would just be to add that signature digitally, and then it will automatically come back to me, and then we will process everything for you.","start":2122.9448,"end":2136.565,"sentiment":"neutral","sentiment_score":0.3122035684634228},{"text":"No problem at all.","start":2138.89,"end":2139.69,"sentiment":"positive","sentiment_score":0.6270568072795868},{"text":"Thank you so much for your time today, Nathan, and I hope you enjoy the rest of your afternoon.","start":2139.69,"end":2143.63,"sentiment":"positive","sentiment_score":0.8292250225418493},{"text":"Mhmm.","start":2144.97,"end":2145.29,"sentiment":"neutral","sentiment_score":0.19335639476776123},{"text":"No worries.","start":2145.29,"end":2145.77,"sentiment":"neutral","sentiment_score":0.1966196447610855}],"sentiment":"positive","sentiment_score":0.4553076426188151,"num_words":75,"start":2122.9448,"end":2145.77},{"sentences":[{"text":"We're fixing.","start":2145.77,"end":2146.51,"sentiment":"neutral","sentiment_score":0.2828695625066757},{"text":"Bye.","start":2147.85,"end":2148.35,"sentiment":"neutral","sentiment_score":-0.10681403428316116}],"sentiment":"neutral","sentiment_score":0.15297503024339676,"num_words":3,"start":2145.77,"end":2148.35}]}}]},{"alternatives":[{"transcript":"Hi. Yes. It is. How are you doing? Yeah. Good. Thank you. Yeah. Really well. Really well. I can only just hear you. Sorry. Like, it's really, really faint. No. It's still still quite low, and I've just turned my volume all out to max. No. I'm not sure. I'll I'll try to speak. I can can you talk me out? I'll see if it that's that's a little bit better. I'll just put it on speakerphone to to try and hear you. No. That's alright. I'm just gonna move to a slightly quieter room. It might be two seconds. It'll be taking. Alright. Good to go. Yeah. That's fine. Yep. Mason, David Mordhew. Seventeenth of the first nineteen eighty nine, and it's Unit 1 Of 121 George Street, East Maitland, New South Wales 2323. No. No. I can I can do that? One second. I can open them up. Oh, yep. There's your email. I've got it here. Perfect. Okay. Terrific. Yep. It's just just come up now. Yes. Yeah. That's fine. Perfect. Yep. Yes. Okay. Yes. I can. It does. Thank you. Yes. Yes. I can. Yes. Terrific. Okay. Yep. Yep. Yes. Yep. Let's just have a look. Yeah. Yep. No. Page page seven. Yeah. Page seven is completely fine. Thank you. Excellent. And yep. Page. Yep. Okay. And yep. Credit card. Yep. Yep. Perfect. Yep. And page eight is also fine. Thank you very much. Okay. Okay. Thank you. Mhmm. Yeah. Excellent. Yes. It does. Yes. Yes. Yep. Okay. Mhmm. Okay. It does. Yes. Thank you. Yes. Yes. It does. Mhmm. Yeah. Okay. Yep. Okay. Mhmm. It does. Yes. Okay. Yeah. Okay. It does. Right. Okay. So, obviously, if I go back to work yeah. So if I go back to work in eighteen months to two years' time, those those numbers are not reflective of that. Yep. Okay. Perfect. Mhmm. Yes. Okay. Mhmm. Yes. Yes. Okay. Okay. Yeah. Well, okay. Okay. Perfect. Okay. I I understand that. Yeah. It does. Yes. Okay. Okay. Mhmm. No. No. That makes sense. Thank you. Okay. Okay. Okay. That makes sense. Yeah. No. Okay. I can. Yes. Okay. That makes sense. Yeah. Yes. Yeah. Yes. Okay. That makes sense. Yes. Okay. Yes. Thank you. Okay. Mhmm. Okay. Mhmm. Yeah. Yep. Uh-huh. Yes. Okay. Excellent. No doubt. Yes. Okay. Fantastic. Yes. Yep. Okay. Perfect. Okay. Yes. Okay. Perfect. Okay. Mhmm. Fantastic. Yes. I can. Okay. Perfect. Yep. Oh, okay. Yeah. Yep. Okay. Fantastic. Okay. If if for some unknown reason that that did happen, like, you you decided to to pull out, if you ever want to come back again, do you have to go from scratch? Or Yep. Yep. I cannot make sense. Yeah. I can. Okay. Thank you. Okay. Yep. Awesome. So I'm just noticed the the hub balance has gone down a couple of thousand dollars since we last spoke. Obviously, a bit of market volatility there. So that'll all just be like, when you buy and sell those shares, that'll just still equate to those percentages. Is that correct? We're just at the lower amount. Yep. Okay. Okay. Yeah. No. That that's that's perfect. Thank you. And now let's just say let's say hypothetically that I wanted to after I read all this, I went, you know what? Nah. I'm gonna transfer to to say Australian Super because that's the only but I I see ads on TV for them all the time. So I don't know any other super funds. But yeah. And and I did that. If I was to to roll over to them, is there any implications to me in terms of, like, fees I would have to pay to Hub or, like, cap like, capital gains and things like that? Like, is there anything that would put me in a worse off position? I think one sec. Six day. Yep. Yep. Got it. Yep. Right. Yeah. Yeah. Okay. Yep. Yep. Yep. No. That that's fine. I just wanted to ask that question. It was it was something that I was considering, but as I said, I I don't know a lot about it. So I didn't wanna just go, oh, that looks good. Just press the button and pop it over there when there might be implicating. Yes. Yes. No. That's good. And it's good to know that you did actually consider other super funds. So that that was good. Yep. No. That makes sense. Perfect. No. No. But you've you've answered them all. Awesome. Well, thank you very much. You too. Thank you. 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Yes. It is. How are you doing? Yeah.\n\nGood. Thank you. Yeah. Really well. Really well.\n\nI can only just hear you. Sorry. Like, it's really, really faint. No. It's still still quite low, and I've just turned my volume all out to max.\n\nNo. I'm not sure. I'll I'll try to speak. I can can you talk me out? I'll see if it that's that's a little bit better.\n\nI'll just put it on speakerphone to to try and hear you. No. That's alright. I'm just gonna move to a slightly quieter room. It might be two seconds.\n\nIt'll be taking. Alright. Good to go. Yeah. That's fine.\n\nYep. Mason, David Mordhew. Seventeenth of the first nineteen eighty nine, and it's Unit 1 Of 121 George Street, East Maitland, New South Wales 2323. No. No.\n\nI can I can do that? One second. I can open them up. Oh, yep. There's your email.\n\nI've got it here. Perfect. Okay. Terrific. Yep.\n\nIt's just just come up now. Yes. Yeah. That's fine. Perfect.\n\nYep. Yes. Okay. Yes. I can.\n\nIt does. Thank you. Yes. Yes. I can.\n\nYes. Terrific. Okay. Yep. Yep.\n\nYes. Yep. Let's just have a look. Yeah. Yep.\n\nNo. Page page seven. Yeah. Page seven is completely fine. Thank you.\n\nExcellent. And yep. Page. Yep. Okay.\n\nAnd yep. Credit card. Yep. Yep. Perfect.\n\nYep. And page eight is also fine. Thank you very much. Okay. Okay.\n\nThank you. Mhmm. Yeah. Excellent. Yes.\n\nIt does. Yes. Yes. Yep. Okay.\n\nMhmm. Okay. It does. Yes. Thank you.\n\nYes. Yes. It does. Mhmm. Yeah.\n\nOkay. Yep. Okay. Mhmm. It does.\n\nYes. Okay. Yeah. Okay. It does.\n\nRight. Okay. So, obviously, if I go back to work yeah. So if I go back to work in eighteen months to two years' time, those those numbers are not reflective of that. Yep.\n\nOkay. Perfect. Mhmm. Yes. Okay.\n\nMhmm. Yes. Yes. Okay. Okay.\n\nYeah. Well, okay. Okay. Perfect. Okay.\n\nI I understand that. Yeah. It does. Yes. Okay.\n\nOkay. Mhmm. No. No. That makes sense.\n\nThank you. Okay. Okay. Okay. That makes sense.\n\nYeah. No. Okay. I can. Yes.\n\nOkay. That makes sense. Yeah. Yes. Yeah.\n\nYes. Okay. That makes sense. Yes. Okay.\n\nYes. Thank you. Okay. Mhmm. Okay.\n\nMhmm. Yeah. Yep. Uh-huh. Yes.\n\nOkay. Excellent. No doubt. Yes. Okay.\n\nFantastic. Yes. Yep. Okay. Perfect.\n\nOkay. Yes. Okay. Perfect. Okay.\n\nMhmm. Fantastic. Yes. I can. Okay.\n\nPerfect. Yep. Oh, okay. Yeah. Yep.\n\nOkay. Fantastic. Okay. If if for some unknown reason that that did happen, like, you you decided to to pull out, if you ever want to come back again, do you have to go from scratch? Or Yep.\n\nYep. I cannot make sense. Yeah. I can. Okay.\n\nThank you. Okay. Yep. Awesome. So I'm just noticed the the hub balance has gone down a couple of thousand dollars since we last spoke.\n\nObviously, a bit of market volatility there. So that'll all just be like, when you buy and sell those shares, that'll just still equate to those percentages. Is that correct? We're just at the lower amount. Yep.\n\nOkay. Okay. Yeah. No. That that's that's perfect.\n\nThank you. And now let's just say let's say hypothetically that I wanted to after I read all this, I went, you know what? Nah. I'm gonna transfer to to say Australian Super because that's the only but I I see ads on TV for them all the time. So I don't know any other super funds.\n\nBut yeah. And and I did that. If I was to to roll over to them, is there any implications to me in terms of, like, fees I would have to pay to Hub or, like, cap like, capital gains and things like that? Like, is there anything that would put me in a worse off position? I think one sec.\n\nSix day. Yep. Yep. Got it. Yep.\n\nRight. Yeah. Yeah. Okay. Yep.\n\nYep. Yep. No. That that's fine. I just wanted to ask that question.\n\nIt was it was something that I was considering, but as I said, I I don't know a lot about it. So I didn't wanna just go, oh, that looks good. Just press the button and pop it over there when there might be implicating. Yes. Yes.\n\nNo. That's good. And it's good to know that you did actually consider other super funds. So that that was good. Yep.\n\nNo. That makes sense. Perfect. No. No.\n\nBut you've you've answered them all. Awesome. Well, thank you very much. You too. Thank you.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hi.","start":0.16,"end":0.65999997,"sentiment":"neutral","sentiment_score":0.1550634503364563},{"text":"Yes.","start":3.12,"end":3.4399998,"sentiment":"neutral","sentiment_score":0.20135122537612915},{"text":"It is.","start":3.4399998,"end":3.76,"sentiment":"neutral","sentiment_score":0.22590214759111404},{"text":"How are you doing?","start":3.76,"end":4.58,"sentiment":"neutral","sentiment_score":0.23849205300211906},{"text":"Yeah.","start":8.4,"end":8.639999,"sentiment":"neutral","sentiment_score":0.25964444875717163}],"sentiment":"neutral","sentiment_score":0.2246479590733846,"num_words":9,"start":0.16,"end":8.639999},{"sentences":[{"text":"Good.","start":8.639999,"end":8.8,"sentiment":"positive","sentiment_score":0.5481969118118286},{"text":"Thank 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Is this Nathan?\n\nChannel 1: Yes. It is. How are you doing?\n\nChannel 0: Yeah. Good. It's Veronica from IQ Financial. How are you?\n\nChannel 1: Yeah. Good. Thank you.\n\nChannel 0: That's good. How's your day been?\n\nChannel 1: Yeah. Really well. Really well. I can only just hear you. Sorry.\n\nChannel 0: Okay. Let me see if I can turn that up for you.\n\nChannel 1: Like, it's really, really faint.\n\nChannel 0: Oh, really? Okay. Let me see. Is that any better, or is it still quite low?\n\nChannel 1: No. It's still still quite low, and I've just turned my volume all out to max.\n\nChannel 0: Let me see. It does say that I have it on Macs as well. Let me see. Is that any better? No?\n\nChannel 1: No. I'm not sure. I'll I'll try to speak. I can can you talk me out? I'll see if it\n\nChannel 0: Yeah. Is that any better?\n\nChannel 1: that's that's a little bit better. I'll just put it on speakerphone\n\nChannel 0: Okay.\n\nChannel 1: to to try and hear you.\n\nChannel 0: Okay. Well, let me know if you have any issues, and I'll speak to IT after as well if it's something with my microphone. Because it does say I have it on Mac. But if you can't hear me, just let me know, and I'm just happy to repeat\n\nChannel 1: No. That's alright. I'm just gonna move to a slightly quieter\n\nChannel 0: Yeah.\n\nChannel 1: room. It might be two seconds.\n\nChannel 0: Sure.\n\nChannel 1: It'll be taking. Alright. Good to go.\n\nChannel 0: Yes. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yeah. Perfect. And just for security, just so that I can confirm I'm speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please?\n\nChannel 1: Yep. Mason, David Mordhew. Seventeenth of the first nineteen eighty nine, and it's Unit 1 Of 121 George Street, East Maitland, New South Wales 2323.\n\nChannel 0: Yep. Beautiful. Now, Nathan, do you have access to your emails at the moment, or is it a bit tricky if if you're\n\nChannel 1: No.\n\nChannel 0: on the\n\nChannel 1: No.\n\nChannel 0: phone?\n\nChannel 1: I can I can do that? One second. I can\n\nChannel 0: Yeah.\n\nChannel 1: open them up.\n\nChannel 0: Okay. Great. It just makes it a bit easier for you if you can see it at the same time.\n\nChannel 1: Oh, yep. There's your email. I've got it here. Perfect.\n\nChannel 0: Yep. Great. Now if you same as for the under review, it will ask you to click on the link. It doesn't mean you have to sign right away, but it does allow you to open up and look at the recommendation first.\n\nChannel 1: Okay. Terrific.\n\nChannel 0: So let me know when you can see the cover page.\n\nChannel 1: Yep. It's just just come up now.\n\nChannel 0: Okay. Perfect. So, obviously, do you remember the last conversation we had following the under review? But, obviously, we wanted to revisit everything for you, especially your investments now when you are not getting those contributions and staying at home, and also looking at reducing, the risk exposure for you a little bit just so I'm not seeing\n\nChannel 1: Yes.\n\nChannel 0: as much fluctuations. Okay. Perfect. So I have made a recommendation for you, Nathan, and I have put everything in this statement of advice. Now it is quite long, 35 pages, but I won't go through all of that with you.\n\nI'll go through the main points, and then I'll let you have a read over it in your own time as\n\nChannel 1: Yeah.\n\nChannel 0: well.\n\nChannel 1: That's\n\nChannel 0: And then any\n\nChannel 1: fine.\n\nChannel 0: questions,\n\nChannel 1: Perfect.\n\nChannel 0: yeah,\n\nChannel 1: Yep.\n\nChannel 0: you can let me know. Now this has been tailored specifically for you. Now on the cover page, you can see my details listed as well. You\n\nChannel 1: Yes.\n\nChannel 0: can see my authorized representative number there, and I am a licensed under OTU Financial. Now, Nathan, this is just recommendation for you as well. It is completely up to you if you would like to go ahead with the recommendation at the end of the day.\n\nChannel 1: Okay.\n\nChannel 0: Yep. Perfect. Now if you scroll to the second page, can you see a little section where it talks about the best interest duty?\n\nChannel 1: Yes. I can.\n\nChannel 0: Yep. Perfect. Now that one here basically just outlines 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?\n\nChannel 1: It does. Thank you.\n\nChannel 0: Yeah. Perfect. Now if you scroll through, you'll see table of content, pretty self explanatory. If you then wanna scroll through to the next page, it talks a little bit about the scoping. So it says scope of advice.\n\nCan you see\n\nChannel 1: Yes.\n\nChannel 0: that?\n\nChannel 1: Yes. I\n\nChannel 0: Yep.\n\nChannel 1: can.\n\nChannel 0: Perfect. So that basically just talks about the sections that we are focusing on today in this statement of advice, but it doesn't mean that there's not other things we can't look at down the track. But simply today, we're keeping it pretty straightforward in reviewing that superannuation for you, making sure that continues to grow,\n\nChannel 1: Yes.\n\nChannel 0: as well as including some information in regards to that estate planning. I know we spoke about it last time doing the under review, but I have included some information on the importance of having that will, the power of attorney, and then also that guardian shift as well if something ever were to happen to you.\n\nChannel 1: Terrific.\n\nChannel 0: Yep. Perfect. Now on the next page, you can see, it just says limited scope, and that basically just shows that we're not making any changes or anything into insurances. We are keeping everything the same. Insurances has just been included in this document just to show you that it does have an impact on your superannuation, so, therefore, it kind of has to be factored in, but we're not changing anything.\n\nChannel 1: Okay. Yep. Yep.\n\nChannel 0: Yep. Now if you can then scroll for me through page seven.\n\nChannel 1: Yes.\n\nChannel 0: So seven and eight. It's just some some personal information in regards to yourself. If you could just have a quick read over that for me just to make sure that all looks good on both pages or if I need to make any changes in the back end for you.\n\nChannel 1: Yep. Let's just have a look.\n\nChannel 0: And, obviously, savings, that could obviously fluctuate a little bit since when we\n\nChannel 1: Yeah.\n\nChannel 0: when we\n\nChannel 1: Yep.\n\nChannel 0: went\n\nChannel 1: No.\n\nChannel 0: through\n\nChannel 1: Page\n\nChannel 0: it, and that's\n\nChannel 1: page\n\nChannel 0: fine.\n\nChannel 1: seven. Yeah. Page seven is completely fine. Thank you.\n\nChannel 0: Yep. Yep.\n\nChannel 1: Excellent. And yep. Page. Yep. Okay.\n\nAnd yep. Credit card. Yep. Yep. Perfect.\n\nYep. And page eight\n\nChannel 0: Yes.\n\nChannel 1: is also fine. Thank you very much.\n\nChannel 0: Okay. Great. Now underneath that, so page nine, you will see just a summary of your current kind of setup. So like we touched on during the annual review, you obviously have your hub 24 where you have majority of the money. You have a little bit in left in MRSA just to keep those insurances active.\n\nYou have enough in MRSA at the premium is only about that 439, so we don't need to make any changes there for you.\n\nChannel 1: Okay.\n\nChannel 0: Yep. Now if you scroll to the next one, it talks a little bit about your risk profile. Can you see that?\n\nChannel 1: Okay. Thank you.\n\nChannel 0: Yep. Perfect. So when we kind of discussed your risk profile last time, you were previously or at the moment in that high growth portfolio,\n\nChannel 1: Mhmm.\n\nChannel 0: But we did consider that maybe just reducing it one step down to growth might be a little bit more suitable for you for where, you know, everything is at for you at the moment. It's\n\nChannel 1: Yeah.\n\nChannel 0: still focusing on growth in your superannuation, though, but it does mean a little bit less kind of fluctuations and that volatility, especially when you don't have those contributions going in for the time\n\nChannel 1: Excellent.\n\nChannel 0: be. Yep. Perfect. Now if you can scroll down through page 12 for me, it should be a heading where it says retain your Mercer super, retain hub 24, and change underlying investment. Can you\n\nChannel 1: Yes.\n\nChannel 0: see that?\n\nChannel 1: It does. Yes. Yes.\n\nChannel 0: Yes. So, basically, the next couple of pages is quite wordy, so I will let you read over that in your own time. But I do wanna\n\nChannel 1: Yep.\n\nChannel 0: kind of summarize that The the page you can see now here, it just kinda puts into words as to why the recommendation is aligning with that best interest duty and putting you in a better position. A lot of things that's obviously been factored in through the recommendation is obviously your your personal circumstances, your risk tolerance, you know, time frame, potential capital gains tax with making changes. And when I did do the research, I did consider other super funds for you as well just to see if there's anyone that's more competitive out there in the market for you. There's nothing tying us to have 24 at all if there is someone else that was going to be more competitive. But for the time being, I have recommend staying in hub twenty four.\n\nIt is still very competitive when it comes to\n\nChannel 1: Okay.\n\nChannel 0: their fees and features and investment choices.\n\nChannel 1: Mhmm.\n\nChannel 0: I do use hub twenty four for my personal super as well. So for the time being, I have just recommended that we change some of those investments around, but no need to change the super funds. Does that\n\nChannel 1: Okay.\n\nChannel 0: make sense?\n\nChannel 1: It does. Yes. Thank you.\n\nChannel 0: Yeah. Perfect. Now as you then scroll through, you will see some advantages, some disadvantages, and some risks associated with this recommendation.\n\nChannel 1: Yes.\n\nChannel 0: But what I usually find is the easiest way to look at it first is if you want to scroll down to page 16 for me. It\n\nChannel 1: Yes.\n\nChannel 0: should have, like, a big table, and it says fee comparison.\n\nChannel 1: It does.\n\nChannel 0: Yep. Sorry. This one here might look a little bit messy and messy, but it basically summarizes the recommendation. And I I usually find it's a easier way to kind of look at it, seeing all the numbers and how the the little changes that make a pretty big impact. Now if we start start on the current situation, that is the the first kind of versus the current, so kind of like the third or fourth column, it\n\nChannel 1: Mhmm. Yeah.\n\nChannel 0: says hub twenty four and Mercer. It shows you at the bottom there your current total fees. So what's kind of the total fees for both accounts. It does then also shows the five year rolling average. So the five year rolling average is then the return on the investment combined for both of those portfolios in\n\nChannel 1: Okay.\n\nChannel 0: a the high growth portfolio.\n\nChannel 1: Yep.\n\nChannel 0: Now on the recommended side, you can see kind of a similar structure. You can see the balance that stays the same in in hub twenty four. So no changes in regards to kind of the side. We have made changes in regards to Hub twenty four.\n\nChannel 1: Okay.\n\nChannel 0: So you can basically see that we're just making a couple of investment changes. It is saving you about the difference there, $375 per year in\n\nChannel 1: Mhmm.\n\nChannel 0: investment fees, which does make a pretty big difference.\n\nChannel 1: It does. Yes.\n\nChannel 0: Yeah. Now the biggest kind of change is then the return on the investment. So this is using the same period, so the same five year rolling average. And that shows you that the the recommended investment portfolio, even though it is reducing your risk exposure, it has actually outperformed your current portfolio by quite a lot when we are\n\nChannel 1: Okay.\n\nChannel 0: looking at that five year period.\n\nChannel 1: Yeah.\n\nChannel 0: Now when we are looking the reason why we do look at a five year rolling average is because it gives us a little bit more certainty of what has happened in the world and to the portfolio and the market. So, obviously, with investment returns, you can't guarantee anything, but that is why we like to use the five year average. So it's basically using a five year period and dividing that, obviously, by five to give you an average of what it has done on a twelve month basis to kind of show you that. Because if I were to use a twelve month period, depending on when I would have done it, some years, it would have looked like you've won the lottery, whereas other years, not so good depending on, obviously, when that tier period would have been. So using\n\nChannel 1: Okay.\n\nChannel 0: that kind of a five year average gives us a little bit more certainty. Does that make sense?\n\nChannel 1: It does.\n\nChannel 0: Yep. Perfect. Now at the bottom there, you can see a five and ten year difference. Now, also, this, Nathan, is assuming no contributions. So if in, you know, couple of years, you decide that you go back to work part time or whatever it might be or you're in a financial situation that you want to start making contributions, this will obviously compound and make a bigger difference.\n\nBut this is assuming no contributions going in.\n\nChannel 1: Right. Okay.\n\nChannel 0: Yes.\n\nChannel 1: So,\n\nChannel 0: Because that\n\nChannel 1: obviously,\n\nChannel 0: is\n\nChannel 1: if\n\nChannel 0: kind\n\nChannel 1: I go\n\nChannel 0: of\n\nChannel 1: back\n\nChannel 0: the current.\n\nChannel 1: to work yeah. So if I go back to work in eighteen months to two years' time, those those numbers are not reflective of that.\n\nChannel 0: Correct. They will increase because that\n\nChannel 1: Yep.\n\nChannel 0: obviously means you have more money in, more money to be invested, and then get that return on the investment. So\n\nChannel 1: Okay.\n\nChannel 0: this is\n\nChannel 1: Perfect.\n\nChannel 0: kind of being conservative of, well, we don't know exactly when you might go back to work. So I'd\n\nChannel 1: Mhmm.\n\nChannel 0: rather be more conservative and showing, well, at the time being, if you don't go back or you don't make contributions, then it'd still make a a difference for you. Always not as great with not having contributions, but it still makes a difference. And when you do look at, like, the five year difference, it still shows a difference of about 45,000, which is still pretty crazy by just reducing those fees and improving those returns\n\nChannel 1: Yes.\n\nChannel 0: a little bit for you.\n\nChannel 1: Okay. Mhmm.\n\nChannel 0: Yep. Now the one thing I do wanna let you know is if you look at the top table again where it says fee comparison and you see the balance, and it says the difference of $252. Can you see\n\nChannel 1: Yes.\n\nChannel 0: that?\n\nChannel 1: Yes.\n\nChannel 0: Yes. So what this is is that when we do make recommendations on selling investments that have gone up, there will be some capital gains tax paid. Now\n\nChannel 1: Okay.\n\nChannel 0: that is all within the super environment, so it's not something that you have to pay for, like, directly personally. It's not something you have to declare owing a tax return or anything like that. It's all taken care of within the super environment. But it is something I do wanna let you know that when we do make changes, that will be a little bit of that capital gains tax to come out. Now I've tried to keep it as little as possible for you.\n\nNow if, for example, I were to change all of your investments, the capital gains tax would have been about\n\nChannel 1: Okay.\n\nChannel 0: $1,955.\n\nChannel 1: Yeah. Well,\n\nChannel 0: So,\n\nChannel 1: okay.\n\nChannel 0: obviously, trying to reduce that, but at the same time, making sure that we switch out those investments that we may foresee not being the best ones or a little bit higher volatility for you. But we still wanna make sure we do that by still minimizing that capital gains tax for you.\n\nChannel 1: Okay. Perfect.\n\nChannel 0: Yep. But even with the capital gains tax that you save more in fees, and that's just like a one off capital gains tax fee as well. And that's the yearly fee difference between the investments. You will you will save more than that.\n\nChannel 1: Okay. I I understand\n\nChannel 0: Just\n\nChannel 1: that. Yeah.\n\nChannel 0: Yeah. That does that make sense so far?\n\nChannel 1: It does. Yes.\n\nChannel 0: Yeah. Okay. Perfect. Now on the next page, so page 17, I have included just a little bit longer time frame for you for your, which obviously stays the same as a comparison, your current hub 24, and then the recommended in hub 24 as well. And\n\nChannel 1: Okay.\n\nChannel 0: you can see that across all periods, the recommended in hub 24 has outperformed both Mercer and your your current portfolio as well, which is good when we are still\n\nChannel 1: Okay.\n\nChannel 0: considering\n\nChannel 1: Mhmm.\n\nChannel 0: twelve, three, and five. Yes. Any questions so far?\n\nChannel 1: No. No. That makes sense.\n\nChannel 0: Nope.\n\nChannel 1: Thank you.\n\nChannel 0: That makes sense. Perfect. Now the next page is another table which can be confusing, which is page 18. Now this essentially highlights the changes in the investments that I have recommended. So, basically, how to look at it, you see your investment name.\n\nSo that is basically what they're called. You have the kind of special code for\n\nChannel 1: Okay.\n\nChannel 0: that investment. You then weight, so how much you actually have in that individual investment, what that translates through from a dollar value, and then you have the buy and sell column. So this one here, what is highlighted in red is what I have recommended that we change, that we sell.\n\nChannel 1: Okay.\n\nChannel 0: What's in black is either what we are keeping in your portfolio or increasing or adding to your portfolio. Does that\n\nChannel 1: Okay.\n\nChannel 0: make sense?\n\nChannel 1: That makes sense. Yeah.\n\nChannel 0: Yep. You then have your target weight, so how much we are aiming for in a percentage, and then what that looks like from the dollar value. So at the top, Mercer, that stays the same for those insurances, but underneath it is then what I have recommended that we change. So with your investments, the kind of philosophy of how we structure investments hasn't changed. So we are still using that core and satellite approach to investing.\n\nHave you ever heard of that before, Nathan?\n\nChannel 1: No.\n\nChannel 0: No. So, basically, what it means is that we invest majority of the funds in what we call, like, your core, which basically represents the backbone of the portfolio and are essentially kind of like your your biggest shareholding. These are very diversified investment options that have done really well in the past. So,\n\nChannel 1: Okay.\n\nChannel 0: for example, you can see that these are the ones that's the biggest allocation allocated through them. So you can see, for example, at 30%, you have iShares S and P five hundred. Can you see that?\n\nChannel 1: I can. Yes.\n\nChannel 0: Yeah. So you had already 29.29% in that investment option. It's just kind of rounding it up to 30%. Now this one here is very diversified because it invests in the 500 largest companies listed in The US. So you have a very good exposure to all the big companies like Apple, Microsoft, Amazon.\n\nYes. Very diversified of having 500 companies in that one single investment.\n\nChannel 1: Okay. That makes sense.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Now what we then have another of your core options is what we have changed. So you had before Benelon Australian Equity, which is, like, at the top there where it's, like, the minus 29,000.\n\nChannel 1: Yes.\n\nChannel 0: That was that one I touched on during the under review that we wanted to look at changing out of that was underperforming. So instead of that one, we've included at the bottom on this table, you say beta shares Australia 200. Can you see that?\n\nChannel 1: Yeah. Yes.\n\nChannel 0: At 20%. So this one invests in the 200 largest companies listed on the ASX. So in Australia. So you'll have companies like, you know, Commonwealth and BHP and Woolworths, all the big companies. Again, very diversified, but not in The US, here in Australia.\n\nChannel 1: Okay. That makes sense. Yes.\n\nChannel 0: Yep. Now what you then also have is some of the kind of defensive investments because we wanna increase the exposure to your defensive a little bit. So if you scroll down, this table kind of spills over through two pages. So the next page, you can see gold and then iShares core composite bond. Can you see that?\n\nChannel 1: Okay. Yes. Thank you.\n\nChannel 0: Yeah. So, obviously, you have your gold, which is a very good kind of stable investment investment when there are a bit of market fluctuations. So it's allocating about 10% of your kind of defensive alternative investments to gold, kind of stabilizing a little bit for you. And then the 14% at the bottom is, like, your fixed interest, again, to kinda give you that defensive element of limit fluctuations a little bit.\n\nChannel 1: Okay.\n\nChannel 0: Now if you scroll back up to that table we were on page 18 again,\n\nChannel 1: Mhmm.\n\nChannel 0: the rest of your investments are kind of what we call your satellite investment. Now what that is is kind of your more dynamic and specialized investments. They kind of target specific sectors or regions or assets to kinda maximize that growth for you. But they can be a little bit more volatile, and that is why they only represent a smaller portion, but\n\nChannel 1: Okay.\n\nChannel 0: not as much. Yet. So and we've reduced this a little bit for you for because in that high growth, you have a little bit more exposure to those satellite investments. In the\n\nChannel 1: Mhmm.\n\nChannel 0: growth, you have a little bit less. So you can see, for example, the first one of 5% is the beta share cybersecurity. You already have that one in your portfolio. We're just reducing it down to 5%.\n\nChannel 1: Yeah.\n\nChannel 0: We\n\nChannel 1: Yep.\n\nChannel 0: then have 8% in shares Europe. You already have that one again in your investment. It is just kind of increasing at up to eight percent. Again, we want to make sure that your portfolio is very diversified and not just dependent on just The US or Australia. We wanna kind of have you spread across the world as well\n\nChannel 1: Uh-huh.\n\nChannel 0: to give you that diversification. Now other investments, you can then see at the bottom of this page, you have 5% added to Japan and then 8% to one investment. That's called your Vanguard All World. You may have heard of Vanguard before. They're\n\nChannel 1: Yes.\n\nChannel 0: quite big as well. Yes. So that one here is essentially invest in companies all around the globe, but it excludes The US because you already have quite a bit of exposure to The US in that iShares S and P 500. So we also wanna make sure we don't have too much in in one market. So it basically excludes The US, but it basically excludes The US, but invest everywhere else.\n\nChannel 1: Okay. Excellent.\n\nChannel 0: Does that does that make sense?\n\nChannel 1: No doubt. Yes.\n\nChannel 0: Yeah. Perfect. Now if you wanted to go and have a bit of a read over these investments in your in your own time whenever you have a spare moment, In the appendix, I have included investment links to each and every single one of these investments. So there's that full transparency for you that you can click on and have a read over if you would like as well.\n\nChannel 1: Okay. Fantastic.\n\nChannel 0: Yep. Now on the page 19, you can then kind of see a a cash account table. Can you see that?\n\nChannel 1: Yes.\n\nChannel 0: Yep. So with hub twenty four, you have to have a minimum of 1.25% of the funds in cash just to kind of account for fees and and stuff like that. Now we wanna keep it as close to that 1.25 as possible because, obviously, the cash isn't gonna grow near as much as your investments. So that's basically what this shows that we're trying to aim at as\n\nChannel 1: Yep.\n\nChannel 0: close to that 1.25 as possible.\n\nChannel 1: Okay.\n\nChannel 0: Yep. Now the next page shows you the asset allocation. So, again, another table, but it shows you your risk profile first. So you can see that kind of\n\nChannel 1: Perfect.\n\nChannel 0: 80% of growth, 20 in defensive. It does vary a little bit depending on market fluctuations, but keeping it around that. You can then see your existing. So you can see that currently, you're in 88.72 growth and then 11.28 in defensive. And you can then see that the proposed, you can see, is a little bit higher in those defensive investments and reducing that growth down a little bit for you.\n\nChannel 1: Okay. Yes.\n\nChannel 0: Yep. Which, again, is very good that the recommended growth has still outperformed your your high growth. Because, typically, when we're talking about a longer period of time, we can we tend to see high growth outperforming a little bit, but then you don't have as much fluctuations in the growth. But in this instance, it's very good that the portfolio has kind of been targeted for diversification and to limit those fluctuations while still making sure we are targeting growth because we still wanna make sure that your money is working hard for you when you are not contributing.\n\nChannel 1: Okay. Perfect.\n\nChannel 0: Yep. Now the next couple of pages talks about that estate planning. So I will kind of let you have a read over it. It is something I always tell everyone to consider, and I know we talked about it the the during the annual review, but it does talk about setting up a will, the importance of setting up a will. It also talks about power of attorney.\n\nSo on page 24, it talks about the different types of power of attorney that you can make and, again, the benefits and stuff in regards to making a power of attorney nomination, things to be mindful of. And then you also have in regards to guardian\n\nChannel 1: Okay. Mhmm.\n\nChannel 0: importance of considering this as well as part of kind of the estate planning if something ever were to happen to you. So that's just basically there for you so you can have a bit of a read over it.\n\nChannel 1: Fantastic.\n\nChannel 0: Now you will then have ongoing services, so page 28, if you can see that.\n\nChannel 1: Yes. I can.\n\nChannel 0: Yep. Perfect. So, again, we kinda touched on this during the annual review, whereas, obviously, we wanna make sure that we always touch base and reassess the advice depending on what is going on for you. So the minimum is obviously the under review where we reassess everything. But if anything changes for you, just let me know because we can definitely do a lot more catch up than just yearly just to make sure, obviously, everything continues to align and, obviously, that you are happy.\n\nAnd if you need any other advice or guidance or any anything else, then just just give us a call.\n\nChannel 1: Okay. Perfect.\n\nChannel 0: Yeah. Perfect. Now the last thing is just then in regards to remuneration, which is page 30. Now like I touched on again during the under review, there is no changes whatsoever in regards to that fee structure. That stays exactly the same at 1.65, and that was factored into those projections I showed you earlier as well.\n\nSo it still\n\nChannel 1: Yep. Oh, okay.\n\nChannel 0: shows\n\nChannel 1: Yeah.\n\nChannel 0: you\n\nChannel 1: Yep.\n\nChannel 0: yeah. So that shows you everything of making sure that even though you are not contributing, that the return on the investment will outperform, you know, any fees, adviser fees, platform fees, insurances, everything to make sure that everything still continues to grow and move forward for you.\n\nChannel 1: Okay. Fantastic.\n\nChannel 0: Yep. Now like I said again, doing the under review, not a lock in contract. So if at any point in time, things change for you or if you are not happy, it's not like you're locked in to a twelve month period. You can call us whenever you want to if you are not happy or if you wanna reassess\n\nChannel 1: Okay. If if for some unknown reason that that did happen, like, you you decided to to\n\nChannel 0: anything.\n\nChannel 1: pull out, if you ever want to come back again, do you have to go from scratch?\n\nChannel 0: Yes. Because so much\n\nChannel 1: Or\n\nChannel 0: could have changed. And, obviously, because there will be a period of time where, let's say, we are not managing it. But let's say\n\nChannel 1: Yep.\n\nChannel 0: you were to go, no. I don't want to stay on as a client anymore. But let's say you wanted to roll through Australia, for example, or stay in Hub 24 but manage, obviously, all your investments yourself.\n\nChannel 1: Yep.\n\nChannel 0: Then what also happens in Hub twenty four is if you don't have an adviser attached to it, they will move you to a different product menu, and you don't have the same kind of selection when it comes to investment. But let's say you wanted to to do that yourself for, let's say, twelve months, then when you kind of if you come back and say, oh, okay. Well, I'm back working, and and everything is you know, I wanna consider all of that for you, then we we couldn't, but we have to reassess everything again. So we would have to do, like, the full onboarding, new applications for everything because we don't really know, obviously, what could have happened to all your investments, your advice, and everything, making sure it stays aligned with you.\n\nChannel 1: I\n\nChannel 0: So\n\nChannel 1: cannot\n\nChannel 0: yes.\n\nChannel 1: make sense. Yeah.\n\nChannel 0: Yeah. So it's definitely possible. There's no exit fees or anything like that, but it would basically mean if you decide to leave, we'll fees or anything like that, but it would basically mean if you decide to leave, then come back on board. We would have to kind of do everything at the start\n\nChannel 1: I\n\nChannel 0: as\n\nChannel 1: can.\n\nChannel 0: well for you. But, yes, you are not locked in at any point in time. So, yeah, if anything changes or you guys decide to move overseas or whatever it might be, it's not like you're locked in at all.\n\nChannel 1: Okay. Thank you.\n\nChannel 0: Yeah. Now, also, obviously, this all part of the ongoing advising. So if you, obviously, take a moment to have a read over it. If you have any questions, let me know. If you do have a read over it and you are happy, to give it a go and see how things are going, it would then be just to sign those documents digitally same as for the under review.\n\nIt will then automatically send it back to me, and that would let me know that you are happy with the recommendation, and I will let the investment team know. There's no additional fees or charges with it, though. So it's not like an additional fees. If you wanted to go ahead with the changes, it is all part of that ongoing advice fee. So\n\nChannel 1: Okay.\n\nChannel 0: no additional fees and\n\nChannel 1: Yep.\n\nChannel 0: charges.\n\nChannel 1: Awesome.\n\nChannel 0: Yeah.\n\nChannel 1: So I'm just noticed the the hub balance has gone down a couple of thousand dollars since we last spoke. Obviously, a bit of market volatility there. So\n\nChannel 0: Yes.\n\nChannel 1: that'll all just be like, when you buy and sell those shares, that'll just still equate to those percentages. Is that correct? We're\n\nChannel 0: Correct.\n\nChannel 1: just at the lower amount.\n\nChannel 0: Correct.\n\nChannel 1: Yep.\n\nChannel 0: Correct. This is why we the balance because things do fluctuate on a\n\nChannel 1: Okay.\n\nChannel 0: So, yes, even if, let's say let's say, you sign the documents tomorrow and then we were to place a trade the following day and your super has gone up, it's the same. It's all kind of realigned to your balance at the time.\n\nChannel 1: Okay. Yeah. No. That that's\n\nChannel 0: Yes.\n\nChannel 1: that's perfect. Thank you.\n\nChannel 0: Yeah.\n\nChannel 1: And now\n\nChannel 0: Well, that's\n\nChannel 1: let's\n\nChannel 0: a good\n\nChannel 1: just\n\nChannel 0: question.\n\nChannel 1: say let's say hypothetically that I wanted\n\nChannel 0: Mhmm.\n\nChannel 1: to after I read all this, I went, you know what?\n\nChannel 0: Yes.\n\nChannel 1: Nah. I'm gonna\n\nChannel 0: Yep.\n\nChannel 1: transfer to to say Australian Super because that's\n\nChannel 0: Yes.\n\nChannel 1: the only but I I see ads on TV for them all the time. So I don't know any other super funds. But yeah. And and I did that.\n\nChannel 0: Yeah.\n\nChannel 1: If I was to to roll over to them, is there any implications to me in terms of, like, fees I would have to pay to Hub or, like, cap like, capital gains and things like that? Like, is there anything that would put me\n\nChannel 0: Yes.\n\nChannel 1: in a worse off position?\n\nChannel 0: Yes. The capital gains tax will be the big one, which would be so in the alternative, if you wanna scroll up to page 15 for me.\n\nChannel 1: I think one sec. Six day.\n\nChannel 0: Yep.\n\nChannel 1: Yep. Yep. Got\n\nChannel 0: Alternatives considered. So I did consider other super funds for you,\n\nChannel 1: it. Yep.\n\nChannel 0: and some were one, the more kind of more competitive was my north, but we also consider, like, all super, and we consider a lot of funds because,\n\nChannel 1: Right.\n\nChannel 0: again, there's nothing tying us to hub twenty four. But we do research on all the options just to see whatever is best for you. And because, obviously, your super has gone up a bit since you came on board, which is great, the downside is that capital gains tax. So if\n\nChannel 1: Yeah.\n\nChannel 0: you were to say tomorrow, you go, now I wanna roll out to Australian super, that capital gains tax would be applicable. It would, again, all be within the super environment, but that would be about that 1,955 for the capital gains tax.\n\nChannel 1: Yeah.\n\nChannel 0: And then you also have, like, brokerage fees to sell investments. There's not, like, exit fees to leave. It would just be in regards to selling down your investments. That would be the thing. But, yeah, capital gains tax is is a big thing that we do consider.\n\nChannel 1: Okay. Yep. Yep. Yep. No.\n\nThat\n\nChannel 0: Yeah.\n\nChannel 1: that's fine. I just wanted to ask that question. It was it was something\n\nChannel 0: Yes.\n\nChannel 1: that I was considering, but as I said,\n\nChannel 0: Yeah.\n\nChannel 1: I I don't know a lot about it. So I didn't wanna just go, oh, that looks good. Just press the button and pop it over there when there might be\n\nChannel 0: And\n\nChannel 1: implicating.\n\nChannel 0: I'm I'm glad you did because sometimes people might might think they're like, oh, that's it. And then it's like, well, let's say if 5,000 came out intact, they go, oh, I didn't know that. I was like, yeah. That's why we do the research for you as well through make\n\nChannel 1: Yes.\n\nChannel 0: sure at the end of the day, we factor in everything.\n\nChannel 1: Yes. No. That's\n\nChannel 0: And\n\nChannel 1: good. And it's\n\nChannel 0: you\n\nChannel 1: good\n\nChannel 0: know?\n\nChannel 1: to know that you\n\nChannel 0: Yeah.\n\nChannel 1: did actually consider other super funds. So that that was\n\nChannel 0: Yes.\n\nChannel 1: good.\n\nChannel 0: Definitely. And like I said, that's not to say that forever HubSpot will be the best option because you never know. Like, there could be six months or a year or two years or whatever it might be that another very competitive option comes out that is very cheap, then we would research and consider if that's going to be the best for you. But, again, we would factor in, okay, what are the returns on the investments, what are the fees, what are capital gains? Like, you would factor in kind of a holistic approach before deciding if that is going to be the best, which is kind of where this statement of advice and everything comes into place.\n\nIt takes a while to obviously put together all the research, but it's through making sure that the recommendations we do make are in best interest for you also puts you in that better position. So it's not just a matter of, oh, okay. We'll just do this. It's a lot that goes in from a compliance point and making sure that you are looked after at the end of the day before we, you know, make a recommendation. And it's the same, like, I can't just tell you straight away, oh, yeah.\n\nDo this. We'd have to obviously do all the research and making sure that's the best for you before we can officially be, yes. I recommend you do this because of x y zed.\n\nChannel 1: Yep. No. That makes sense. Perfect.\n\nChannel 0: Yeah. Now any other questions for me, Nathan?\n\nChannel 1: No. No. But you've you've answered them all.\n\nChannel 0: No? No. Good. Now I'm sure you're you're busy. So I will leave this document with you.\n\nNow take your time. Have a read over it. Like I said, any questions or anything, just give me a call or send me an email, and we can always book in another follow-up to go through it. Otherwise, if you do have a read through it and you are happy with the the recommendation, like I said, to move forward, it would just be to add that signature digitally, and then it will automatically come back to me, and then we will process everything for you.\n\nChannel 1: Awesome. Well, thank you very much.\n\nChannel 0: No problem at all. Thank you so much for your time today, Nathan, and I hope you enjoy the rest of your afternoon.\n\nChannel 1: You too. Thank you.\n\nChannel 0: Mhmm. No worries. We're fixing.\n\nChannel 1: Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":0.16,"end":0.65999997,"sentiment":"neutral","sentiment_score":0.1550634503364563}],"sentiment":"neutral","sentiment_score":0.1550634503364563,"channel":1,"num_words":1,"start":0.16,"end":0.65999997},{"sentences":[{"text":"Good afternoon.","start":1.28,"end":2.0,"sentiment":"neutral","sentiment_score":0.31428349018096924},{"text":"Is this Nathan?","start":2.0,"end":2.82,"sentiment":"neutral","sentiment_score":0.2094097932179769}],"sentiment":"neutral","sentiment_score":0.2513592720031738,"channel":0,"num_words":5,"start":1.28,"end":2.82},{"sentences":[{"text":"Yes.","start":3.12,"end":3.4399998,"sentiment":"neutral","sentiment_score":0.20135122537612915},{"text":"It is.","start":3.4399998,"end":3.76,"sentiment":"neutral","sentiment_score":0.22590214759111404},{"text":"How are you doing?","start":3.76,"end":4.58,"sentiment":"neutral","sentiment_score":0.23849205300211906}],"sentiment":"neutral","sentiment_score":0.22958910465240479,"channel":1,"num_words":7,"start":3.12,"end":4.58},{"sentences":[{"text":"Yeah.","start":4.7999997,"end":5.12,"sentiment":"neutral","sentiment_score":0.2427622377872467},{"text":"Good.","start":5.12,"end":5.52,"sentiment":"positive","sentiment_score":0.48847147822380066},{"text":"It's Veronica from IQ Financial.","start":5.52,"end":7.44,"sentiment":"neutral","sentiment_score":0.30882832407951355},{"text":"How are you?","start":7.44,"end":8.26,"sentiment":"neutral","sentiment_score":0.21593339244524637}],"sentiment":"neutral","sentiment_score":0.29231755137443544,"channel":0,"num_words":10,"start":4.7999997,"end":8.26},{"sentences":[{"text":"Yeah.","start":8.4,"end":8.639999,"sentiment":"neutral","sentiment_score":0.25964444875717163},{"text":"Good.","start":8.639999,"end":8.8,"sentiment":"positive","sentiment_score":0.5481969118118286},{"text":"Thank you.","start":8.8,"end":9.54,"sentiment":"positive","sentiment_score":0.6344304978847504}],"sentiment":"positive","sentiment_score":0.5191755890846252,"channel":1,"num_words":4,"start":8.4,"end":9.54},{"sentences":[{"text":"That's good.","start":10.16,"end":10.96,"sentiment":"positive","sentiment_score":0.6341898739337921},{"text":"How's your day been?","start":10.96,"end":12.015,"sentiment":"positive","sentiment_score":0.33526767790317535}],"sentiment":"positive","sentiment_score":0.4349084099133809,"channel":0,"num_words":6,"start":10.16,"end":12.015},{"sentences":[{"text":"Yeah.","start":12.554999,"end":12.794999,"sentiment":"neutral","sentiment_score":0.19806724786758423},{"text":"Really well.","start":12.794999,"end":13.355,"sentiment":"positive","sentiment_score":0.3454131782054901},{"text":"Really well.","start":13.355,"end":13.914999,"sentiment":"neutral","sentiment_score":0.19808238744735718},{"text":"I can only just hear you.","start":13.914999,"end":15.115,"sentiment":"neutral","sentiment_score":-0.1301602435608705},{"text":"Sorry.","start":15.115,"end":15.615,"sentiment":"neutral","sentiment_score":-0.16229791939258575}],"sentiment":"neutral","sentiment_score":0.028483249867955845,"channel":1,"num_words":12,"start":12.554999,"end":15.615},{"sentences":[{"text":"Okay.","start":16.895,"end":17.295,"sentiment":"neutral","sentiment_score":-0.09357543289661407},{"text":"Let me see if I can turn that up for you.","start":17.295,"end":19.715,"sentiment":"neutral","sentiment_score":-0.07369699735533107}],"sentiment":"neutral","sentiment_score":-0.075353533650438,"channel":0,"num_words":12,"start":16.895,"end":19.715},{"sentences":[{"text":"Like, it's really, really faint.","start":19.515,"end":21.294998,"sentiment":"negative","sentiment_score":-0.3500654101371765}],"sentiment":"negative","sentiment_score":-0.3500654101371765,"channel":1,"num_words":5,"start":19.515,"end":21.294998},{"sentences":[{"text":"Oh, really?","start":21.935001,"end":22.654999,"sentiment":"neutral","sentiment_score":-0.060604989528656006},{"text":"Okay.","start":22.654999,"end":23.055,"sentiment":"neutral","sentiment_score":-0.029306799173355103},{"text":"Let me see.","start":23.055,"end":23.955,"sentiment":"neutral","sentiment_score":-0.01671961508691311},{"text":"Is that any better, or is it still quite low?","start":24.335,"end":26.98,"sentiment":"neutral","sentiment_score":-0.04757263511419296}],"sentiment":"neutral","sentiment_score":-0.042275123414583504,"channel":0,"num_words":16,"start":21.935001,"end":26.98},{"sentences":[{"text":"No.","start":27.029999,"end":27.35,"sentiment":"neutral","sentiment_score":-0.18032638728618625},{"text":"It's still still quite low, and I've just turned my volume all out to max.","start":27.35,"end":30.57,"sentiment":"neutral","sentiment_score":-0.18649809857209523}],"sentiment":"neutral","sentiment_score":-0.18611236661672592,"channel":1,"num_words":16,"start":27.029999,"end":30.57},{"sentences":[{"text":"Let me see.","start":33.6,"end":34.16,"sentiment":"neutral","sentiment_score":-0.021729192075630028},{"text":"It does say that I have it on Macs as well.","start":34.16,"end":38.695,"sentiment":"neutral","sentiment_score":-0.005703398957848549},{"text":"Let me see.","start":38.695,"end":39.175003,"sentiment":"neutral","sentiment_score":-0.00008187877635161082},{"text":"Is that any better?","start":39.175003,"end":40.235,"sentiment":"neutral","sentiment_score":0.0001230393536388874},{"text":"No?","start":40.295002,"end":40.795002,"sentiment":"neutral","sentiment_score":-0.07281634956598282}],"sentiment":"neutral","sentiment_score":-0.009113399692895737,"channel":0,"num_words":22,"start":33.6,"end":40.795002},{"sentences":[{"text":"No.","start":40.565002,"end":40.965004,"sentiment":"neutral","sentiment_score":-0.11791686713695526},{"text":"I'm not sure.","start":40.965004,"end":41.365,"sentiment":"neutral","sentiment_score":-0.12014173964659373},{"text":"I'll I'll try to speak.","start":41.365,"end":42.585,"sentiment":"neutral","sentiment_score":-0.06116015836596489},{"text":"I can can you talk me out?","start":43.685,"end":45.125,"sentiment":"neutral","sentiment_score":-0.03915057384542057},{"text":"I'll see if it","start":45.125,"end":45.685,"sentiment":"neutral","sentiment_score":-0.006555379484780133}],"sentiment":"neutral","sentiment_score":-0.05422092063818127,"channel":1,"num_words":20,"start":40.565002,"end":45.685},{"sentences":[{"text":"Yeah.","start":46.775,"end":47.015,"sentiment":"neutral","sentiment_score":0.0011003734543919563},{"text":"Is that any better?","start":47.015,"end":48.075,"sentiment":"neutral","sentiment_score":0.011740392772480845}],"sentiment":"neutral","sentiment_score":0.009612388908863068,"channel":0,"num_words":5,"start":46.775,"end":48.075},{"sentences":[{"text":"that's that's a little bit better.","start":48.485,"end":49.685,"sentiment":"neutral","sentiment_score":-0.010819785296916962},{"text":"I'll just put it on speakerphone","start":49.685,"end":50.825,"sentiment":"neutral","sentiment_score":0.017728851176798344}],"sentiment":"neutral","sentiment_score":0.003454532939940691,"channel":1,"num_words":12,"start":48.485,"end":50.825},{"sentences":[{"text":"Okay.","start":50.375,"end":50.875,"sentiment":"neutral","sentiment_score":0.019004957750439644}],"sentiment":"neutral","sentiment_score":0.019004957750439644,"channel":0,"num_words":1,"start":50.375,"end":50.875},{"sentences":[{"text":"to to try and hear you.","start":50.965,"end":52.265,"sentiment":"neutral","sentiment_score":0.015436931823690733}],"sentiment":"neutral","sentiment_score":0.015436931823690733,"channel":1,"num_words":6,"start":50.965,"end":52.265},{"sentences":[{"text":"Okay.","start":52.455,"end":52.8,"sentiment":"neutral","sentiment_score":0.03346090763807297},{"text":"Well, let me know if you have any issues, and I'll speak to IT after as well if it's something with my microphone.","start":52.96,"end":61.14,"sentiment":"neutral","sentiment_score":0.00676189500676549},{"text":"Because it does say I have it on Mac.","start":61.199997,"end":62.72,"sentiment":"neutral","sentiment_score":-0.023372641040219203},{"text":"But if you can't hear me, just let me know, and I'm just happy to repeat","start":62.72,"end":66.525,"sentiment":"neutral","sentiment_score":-0.014247719547711313}],"sentiment":"neutral","sentiment_score":-0.005088424272074991,"channel":0,"num_words":49,"start":52.455,"end":66.525},{"sentences":[{"text":"No.","start":67.625,"end":67.945,"sentiment":"neutral","sentiment_score":-0.07334133982658386},{"text":"That's alright.","start":67.945,"end":68.345,"sentiment":"neutral","sentiment_score":-0.03839787095785141},{"text":"I'm just gonna move to a slightly quieter","start":68.345,"end":70.125,"sentiment":"neutral","sentiment_score":-0.0031342435395345087}],"sentiment":"neutral","sentiment_score":-0.015928275459869343,"channel":1,"num_words":11,"start":67.625,"end":70.125},{"sentences":[{"text":"Yeah.","start":69.645004,"end":70.145004,"sentiment":"neutral","sentiment_score":0.01341113355010748}],"sentiment":"neutral","sentiment_score":0.01341113355010748,"channel":0,"num_words":1,"start":69.645004,"end":70.145004},{"sentences":[{"text":"room.","start":70.185,"end":70.345,"sentiment":"neutral","sentiment_score":0.019610529765486717},{"text":"It might be two seconds.","start":70.345,"end":71.565,"sentiment":"neutral","sentiment_score":0.012282728776335716}],"sentiment":"neutral","sentiment_score":0.013504028941194216,"channel":1,"num_words":6,"start":70.185,"end":71.565},{"sentences":[{"text":"Sure.","start":72.045,"end":72.545,"sentiment":"neutral","sentiment_score":0.06263145059347153}],"sentiment":"neutral","sentiment_score":0.06263145059347153,"channel":0,"num_words":1,"start":72.045,"end":72.545},{"sentences":[{"text":"It'll be taking.","start":74.744995,"end":75.565,"sentiment":"neutral","sentiment_score":0.054684060315291085},{"text":"Alright.","start":83.4,"end":83.8,"sentiment":"neutral","sentiment_score":0.12710943818092346},{"text":"Good to go.","start":83.8,"end":84.62,"sentiment":"neutral","sentiment_score":0.2400583028793335}],"sentiment":"neutral","sentiment_score":0.14447664682354247,"channel":1,"num_words":7,"start":74.744995,"end":84.62},{"sentences":[{"text":"Yes.","start":85.020004,"end":85.42,"sentiment":"neutral","sentiment_score":0.1800670027732849},{"text":"Perfect.","start":85.42,"end":85.92,"sentiment":"neutral","sentiment_score":0.3020840287208557},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay?","start":86.38,"end":94.045,"sentiment":"neutral","sentiment_score":0.03236688185354759}],"sentiment":"neutral","sentiment_score":0.04583195500796841,"channel":0,"num_words":31,"start":85.020004,"end":94.045},{"sentences":[{"text":"Yeah.","start":94.119995,"end":94.44,"sentiment":"neutral","sentiment_score":0.07010696828365326},{"text":"That's fine.","start":94.44,"end":95.18,"sentiment":"neutral","sentiment_score":0.11659202724695206}],"sentiment":"neutral","sentiment_score":0.10109700759251912,"channel":1,"num_words":3,"start":94.119995,"end":95.18},{"sentences":[{"text":"Yeah.","start":95.145,"end":95.645,"sentiment":"neutral","sentiment_score":0.167093887925148},{"text":"Perfect.","start":95.705,"end":96.205,"sentiment":"neutral","sentiment_score":0.2395252585411072},{"text":"And just for security, just so that I can confirm I'm speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please?","start":96.265,"end":105.65,"sentiment":"neutral","sentiment_score":0.07563127228058875}],"sentiment":"neutral","sentiment_score":0.08314176057191457,"channel":0,"num_words":34,"start":95.145,"end":105.65},{"sentences":[{"text":"Yep.","start":107.134995,"end":107.455,"sentiment":"neutral","sentiment_score":0.01801965944468975},{"text":"Mason, David Mordhew.","start":107.455,"end":108.835,"sentiment":"neutral","sentiment_score":0.016752298921346664},{"text":"Seventeenth of the first nineteen eighty nine, and it's Unit 1 Of 121 George Street, East Maitland, New South Wales 2323.","start":109.130005,"end":116.270004,"sentiment":"neutral","sentiment_score":0.019420706578308626}],"sentiment":"neutral","sentiment_score":0.019044455774128437,"channel":1,"num_words":25,"start":107.134995,"end":116.270004},{"sentences":[{"text":"Yep.","start":116.75,"end":117.25,"sentiment":"neutral","sentiment_score":0.11686177551746368},{"text":"Beautiful.","start":117.31,"end":117.81,"sentiment":"neutral","sentiment_score":0.07935835421085358},{"text":"Now, Nathan, do you have access to your emails at the moment, or is it a bit tricky if if you're","start":119.149994,"end":124.405,"sentiment":"neutral","sentiment_score":-0.010358488475460382}],"sentiment":"neutral","sentiment_score":-0.000926440358971772,"channel":0,"num_words":23,"start":116.75,"end":124.405},{"sentences":[{"text":"No.","start":124.395004,"end":124.635,"sentiment":"neutral","sentiment_score":-0.041126858443021774}],"sentiment":"neutral","sentiment_score":-0.041126858443021774,"channel":1,"num_words":1,"start":124.395004,"end":124.635},{"sentences":[{"text":"on the","start":124.405,"end":124.725,"sentiment":"neutral","sentiment_score":-0.05954974517226219}],"sentiment":"neutral","sentiment_score":-0.05954974517226219,"channel":0,"num_words":2,"start":124.405,"end":124.725},{"sentences":[{"text":"No.","start":124.635,"end":124.795,"sentiment":"neutral","sentiment_score":-0.04718301445245743}],"sentiment":"neutral","sentiment_score":-0.04718301445245743,"channel":1,"num_words":1,"start":124.635,"end":124.795},{"sentences":[{"text":"phone?","start":124.725,"end":125.225,"sentiment":"neutral","sentiment_score":-0.03159499168395996}],"sentiment":"neutral","sentiment_score":-0.03159499168395996,"channel":0,"num_words":1,"start":124.725,"end":125.225},{"sentences":[{"text":"I can I can do that?","start":124.795,"end":125.675,"sentiment":"neutral","sentiment_score":0.007566178838411967},{"text":"One second.","start":125.675,"end":126.155,"sentiment":"neutral","sentiment_score":0.016401533503085375},{"text":"I can","start":126.155,"end":126.475,"sentiment":"neutral","sentiment_score":0.03690750151872635}],"sentiment":"neutral","sentiment_score":0.015201514307409524,"channel":1,"num_words":10,"start":124.795,"end":126.475},{"sentences":[{"text":"Yeah.","start":126.405,"end":126.905,"sentiment":"neutral","sentiment_score":0.044926583766937256}],"sentiment":"neutral","sentiment_score":0.044926583766937256,"channel":0,"num_words":1,"start":126.405,"end":126.905},{"sentences":[{"text":"open them up.","start":126.475,"end":127.375,"sentiment":"neutral","sentiment_score":0.07172199214498202}],"sentiment":"neutral","sentiment_score":0.07172199214498202,"channel":1,"num_words":3,"start":126.475,"end":127.375},{"sentences":[{"text":"Okay.","start":127.524994,"end":127.84499,"sentiment":"neutral","sentiment_score":0.31479430198669434},{"text":"Great.","start":127.84499,"end":128.165,"sentiment":"positive","sentiment_score":0.7359182834625244},{"text":"It just makes it a bit easier for you if you can see it at the same time.","start":128.165,"end":132.58499,"sentiment":"positive","sentiment_score":0.5657049020131429}],"sentiment":"positive","sentiment_score":0.5616700410842895,"channel":0,"num_words":20,"start":127.524994,"end":132.58499},{"sentences":[{"text":"Oh, yep.","start":133.195,"end":133.595,"sentiment":"neutral","sentiment_score":0.13658857345581055},{"text":"There's your email.","start":133.595,"end":134.315,"sentiment":"neutral","sentiment_score":0.10284677396217982},{"text":"I've got it 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much.","start":391.78998,"end":392.77,"sentiment":"positive","sentiment_score":0.7200725823640823}],"sentiment":"positive","sentiment_score":0.5339529812335968,"channel":1,"num_words":7,"start":391.06998,"end":392.77},{"sentences":[{"text":"Okay.","start":392.7,"end":393.2,"sentiment":"positive","sentiment_score":0.4089906811714173},{"text":"Great.","start":393.26,"end":393.76,"sentiment":"positive","sentiment_score":0.5895407795906067},{"text":"Now underneath that, so page nine, you will see just a summary of your current kind of setup.","start":394.06,"end":400.57498,"sentiment":"neutral","sentiment_score":0.23433365838395226},{"text":"So like we touched on during the annual review, you obviously have your hub 24 where you have majority of the money.","start":400.715,"end":405.85498,"sentiment":"neutral","sentiment_score":0.1720701293511824},{"text":"You have a little bit in left in MRSA just to keep those insurances 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time, you were previously or at the moment in that high growth portfolio,","start":432.21503,"end":440.55502,"sentiment":"neutral","sentiment_score":0.07020739644117978}],"sentiment":"neutral","sentiment_score":0.09004575684666634,"channel":0,"num_words":25,"start":431.255,"end":440.55502},{"sentences":[{"text":"Mhmm.","start":441.23,"end":441.73,"sentiment":"neutral","sentiment_score":0.05074467882514}],"sentiment":"neutral","sentiment_score":0.05074467882514,"channel":1,"num_words":1,"start":441.23,"end":441.73},{"sentences":[{"text":"But we did consider that maybe just reducing it one step down to growth might be a little bit more suitable for you for where, you know, everything is at for you at the moment.","start":441.46,"end":451.56,"sentiment":"neutral","sentiment_score":0.02251390697700637},{"text":"It's","start":451.94,"end":452.26,"sentiment":"neutral","sentiment_score":0.009920074604451656}],"sentiment":"neutral","sentiment_score":0.02216407829999096,"channel":0,"num_words":36,"start":441.46,"end":452.26},{"sentences":[{"text":"Yeah.","start":452.035,"end":452.535,"sentiment":"neutral","sentiment_score":0.008088359609246254}],"sentiment":"neutral","sentiment_score":0.008088359609246254,"channel":1,"num_words":1,"start":452.035,"end":452.535},{"sentences":[{"text":"still focusing on growth in your superannuation, though, but it does mean a little bit less kind of fluctuations and that volatility, especially when you don't have those contributions going in for the 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changes.","start":502.82,"end":515.175,"sentiment":"neutral","sentiment_score":0.07093650102615356},{"text":"And when I did do the research, I did consider other super funds for you as well just to see if there's anyone that's more competitive out there in the market for you.","start":517.15497,"end":526.04004,"sentiment":"neutral","sentiment_score":0.24664620648730884},{"text":"There's nothing tying us to have 24 at all if there is someone else that was going to be more competitive.","start":526.26,"end":531.48004,"sentiment":"neutral","sentiment_score":0.16386294684239797},{"text":"But for the time being, I have recommend staying in hub twenty four.","start":533.38,"end":536.5,"sentiment":"neutral","sentiment_score":0.3304436183892764}],"sentiment":"neutral","sentiment_score":0.19001298251233117,"channel":0,"num_words":136,"start":491.345,"end":536.5},{"sentences":[{"text":"It is still very competitive when it comes 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recommendation.","start":557.85,"end":566.19,"sentiment":"neutral","sentiment_score":0.07827709959819913}],"sentiment":"neutral","sentiment_score":0.10815283833918246,"channel":0,"num_words":22,"start":556.49,"end":566.19},{"sentences":[{"text":"Yes.","start":567.0,"end":567.345,"sentiment":"neutral","sentiment_score":0.10974187403917313}],"sentiment":"neutral","sentiment_score":0.10974187403917313,"channel":1,"num_words":1,"start":567.0,"end":567.345},{"sentences":[{"text":"But what I usually find is the easiest way to look at it first is if you want to scroll down to page 16 for 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when that tier period would have been.","start":731.31,"end":744.745,"sentiment":"neutral","sentiment_score":0.07831925857398245},{"text":"So using","start":744.805,"end":745.525,"sentiment":"neutral","sentiment_score":0.08609280362725258}],"sentiment":"neutral","sentiment_score":0.14666516119096842,"channel":0,"num_words":144,"start":703.01996,"end":745.525},{"sentences":[{"text":"Okay.","start":745.305,"end":745.805,"sentiment":"neutral","sentiment_score":0.13234442472457886}],"sentiment":"neutral","sentiment_score":0.13234442472457886,"channel":1,"num_words":1,"start":745.305,"end":745.805},{"sentences":[{"text":"that kind of a five year average gives us a little bit more certainty.","start":745.525,"end":749.945,"sentiment":"neutral","sentiment_score":0.18033149412700109},{"text":"Does that make 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sense.","start":976.855,"end":977.495,"sentiment":"neutral","sentiment_score":-0.08067741120855014}],"sentiment":"neutral","sentiment_score":-0.10176965817809105,"channel":1,"num_words":5,"start":976.45496,"end":977.495},{"sentences":[{"text":"Nope.","start":977.43,"end":977.93,"sentiment":"neutral","sentiment_score":-0.012217286042869093}],"sentiment":"neutral","sentiment_score":-0.012217286042869093,"channel":0,"num_words":1,"start":977.43,"end":977.93},{"sentences":[{"text":"Thank you.","start":977.495,"end":978.235,"sentiment":"neutral","sentiment_score":0.3145356774330139}],"sentiment":"neutral","sentiment_score":0.3145356774330139,"channel":1,"num_words":2,"start":977.495,"end":978.235},{"sentences":[{"text":"That makes sense.","start":977.99,"end":978.71,"sentiment":"neutral","sentiment_score":0.26288995146751404},{"text":"Perfect.","start":978.71,"end":979.21,"sentiment":"positive","sentiment_score":0.35353589057922363},{"text":"Now the next page is another table which can be confusing, which is page 18.","start":979.59,"end":986.41003,"sentiment":"neutral","sentiment_score":0.02402532088259856},{"text":"Now this essentially highlights the changes in the investments that I have recommended.","start":986.95,"end":993.485,"sentiment":"neutral","sentiment_score":0.09326074472986735},{"text":"So, basically, how to look at it, you see your investment name.","start":993.485,"end":997.64496,"sentiment":"neutral","sentiment_score":0.055151745676994324}],"sentiment":"neutral","sentiment_score":0.07674536790529435,"channel":0,"num_words":44,"start":977.99,"end":997.64496},{"sentences":[{"text":"So that is basically what they're called.","start":997.64496,"end":999.665,"sentiment":"neutral","sentiment_score":0.053613875061273575},{"text":"You have the kind of special code for","start":1000.20496,"end":1000.269,"sentiment":"neutral","sentiment_score":0.045524318469688296}],"sentiment":"neutral","sentiment_score":0.04929944487909476,"channel":0,"num_words":15,"start":997.64496,"end":1000.269},{"sentences":[{"text":"Okay.","start":1000.265,"end":1000.765,"sentiment":"neutral","sentiment_score":0.04996584728360176}],"sentiment":"neutral","sentiment_score":0.04996584728360176,"channel":1,"num_words":1,"start":1000.265,"end":1000.765},{"sentences":[{"text":"that investment.","start":1000.269,"end":1000.285,"sentiment":"neutral","sentiment_score":0.04113560914993286},{"text":"You then weight, so how much you actually have in that individual investment, what that translates through from a dollar value, and then you have the buy and sell column.","start":1000.285,"end":1018.095,"sentiment":"neutral","sentiment_score":0.08859005148212115},{"text":"So this one here, what is highlighted in red is what I have recommended that we change, that we sell.","start":1018.235,"end":1025.215,"sentiment":"neutral","sentiment_score":0.08502562008798123}],"sentiment":"neutral","sentiment_score":0.08539394547159855,"channel":0,"num_words":52,"start":1000.269,"end":1025.215},{"sentences":[{"text":"Okay.","start":1025.745,"end":1026.245,"sentiment":"neutral","sentiment_score":0.06251037120819092}],"sentiment":"neutral","sentiment_score":0.06251037120819092,"channel":1,"num_words":1,"start":1025.745,"end":1026.245},{"sentences":[{"text":"What's in black is either what we are keeping in your portfolio or increasing or adding to your portfolio.","start":1026.075,"end":1034.1499,"sentiment":"neutral","sentiment_score":0.0574941523373127},{"text":"Does that","start":1034.2899,"end":1034.69,"sentiment":"neutral","sentiment_score":0.07037062011659145}],"sentiment":"neutral","sentiment_score":0.058720482602005915,"channel":0,"num_words":21,"start":1026.075,"end":1034.69},{"sentences":[{"text":"Okay.","start":1034.465,"end":1034.965,"sentiment":"neutral","sentiment_score":0.08067604899406433}],"sentiment":"neutral","sentiment_score":0.08067604899406433,"channel":1,"num_words":1,"start":1034.465,"end":1034.965},{"sentences":[{"text":"make sense?","start":1034.69,"end":1035.35,"sentiment":"neutral","sentiment_score":0.07115017622709274}],"sentiment":"neutral","sentiment_score":0.07115017622709274,"channel":0,"num_words":2,"start":1034.69,"end":1035.35},{"sentences":[{"text":"That makes sense.","start":1035.265,"end":1036.0651,"sentiment":"neutral","sentiment_score":0.1455810343225797},{"text":"Yeah.","start":1036.0651,"end":1036.41,"sentiment":"neutral","sentiment_score":0.12780408561229706}],"sentiment":"neutral","sentiment_score":0.14113679714500904,"channel":1,"num_words":4,"start":1035.265,"end":1036.41},{"sentences":[{"text":"Yep.","start":1036.45,"end":1036.95,"sentiment":"neutral","sentiment_score":0.1384395956993103},{"text":"You then have your target weight, so how much we are aiming for in a percentage, and then what that looks like from the dollar value.","start":1037.1699,"end":1044.735,"sentiment":"neutral","sentiment_score":0.10644189755503948},{"text":"So at the top, Mercer, that stays the same for those insurances, but underneath it is then what I have recommended that we change.","start":1046.015,"end":1055.315,"sentiment":"neutral","sentiment_score":0.09201177923629682},{"text":"So with your investments, the kind of philosophy of how we structure investments hasn't changed.","start":1055.9349,"end":1062.8301,"sentiment":"neutral","sentiment_score":0.0892397532860438},{"text":"So we are still using that core and satellite approach to investing.","start":1063.29,"end":1068.03,"sentiment":"neutral","sentiment_score":0.15239106863737106}],"sentiment":"neutral","sentiment_score":0.1061730866248791,"channel":0,"num_words":78,"start":1036.45,"end":1068.03},{"sentences":[{"text":"Have you ever heard of that before, Nathan?","start":1068.25,"end":1070.1901,"sentiment":"neutral","sentiment_score":0.03798675537109375}],"sentiment":"neutral","sentiment_score":0.03798675537109375,"channel":0,"num_words":8,"start":1068.25,"end":1070.1901},{"sentences":[{"text":"No.","start":1070.4299,"end":1070.9299,"sentiment":"neutral","sentiment_score":-0.13204343616962433}],"sentiment":"neutral","sentiment_score":-0.13204343616962433,"channel":1,"num_words":1,"start":1070.4299,"end":1070.9299},{"sentences":[{"text":"No.","start":1071.4501,"end":1071.8501,"sentiment":"neutral","sentiment_score":-0.040522366762161255},{"text":"So, basically, what it means is that we invest majority of the funds in what we call, like, your core, which basically represents the backbone of the portfolio and are essentially kind of like your your biggest shareholding.","start":1071.8501,"end":1086.8351,"sentiment":"neutral","sentiment_score":0.12893536255547874},{"text":"These are very diversified investment options that have done really well in the past.","start":1087.6151,"end":1092.27,"sentiment":"positive","sentiment_score":0.5241699133600507},{"text":"So,","start":1092.81,"end":1093.31,"sentiment":"neutral","sentiment_score":0.199566513299942}],"sentiment":"neutral","sentiment_score":0.22957345760530895,"channel":0,"num_words":54,"start":1071.4501,"end":1093.31},{"sentences":[{"text":"Okay.","start":1092.8201,"end":1093.3201,"sentiment":"neutral","sentiment_score":0.2522965967655182}],"sentiment":"neutral","sentiment_score":0.2522965967655182,"channel":1,"num_words":1,"start":1092.8201,"end":1093.3201},{"sentences":[{"text":"for example, you can see that these are the ones that's the biggest allocation allocated through them.","start":1093.6901,"end":1099.63,"sentiment":"neutral","sentiment_score":0.18288903551943161},{"text":"So you can see, for example, at 30%, you have iShares S and P five hundred.","start":1100.01,"end":1106.085,"sentiment":"neutral","sentiment_score":0.11332570621743798},{"text":"Can you see that?","start":1106.145,"end":1107.205,"sentiment":"neutral","sentiment_score":0.0833978783339262}],"sentiment":"neutral","sentiment_score":0.1420517950444608,"channel":0,"num_words":37,"start":1093.6901,"end":1107.205},{"sentences":[{"text":"I can.","start":1107.3,"end":1107.78,"sentiment":"neutral","sentiment_score":0.17538611590862274},{"text":"Yes.","start":1107.78,"end":1108.155,"sentiment":"neutral","sentiment_score":0.17224162817001343}],"sentiment":"neutral","sentiment_score":0.1743379533290863,"channel":1,"num_words":3,"start":1107.3,"end":1108.155},{"sentences":[{"text":"Yeah.","start":1108.625,"end":1109.025,"sentiment":"neutral","sentiment_score":0.17292872071266174},{"text":"So you had already 29.29% in that investment option.","start":1109.025,"end":1113.1849,"sentiment":"neutral","sentiment_score":0.18453525089555317},{"text":"It's just kind of rounding it up to 30%.","start":1113.1849,"end":1115.765,"sentiment":"neutral","sentiment_score":0.1641682195994589},{"text":"Now this one here is very diversified because it invests in the 500 largest companies listed in The US.","start":1116.465,"end":1124.1101,"sentiment":"neutral","sentiment_score":0.26127659490233973},{"text":"So you have a very good exposure to all the big companies like Apple, Microsoft, Amazon.","start":1124.65,"end":1130.43,"sentiment":"positive","sentiment_score":0.4160777758806944}],"sentiment":"neutral","sentiment_score":0.2765325865259877,"channel":0,"num_words":54,"start":1108.625,"end":1130.43},{"sentences":[{"text":"Yes.","start":1131.6101,"end":1131.93,"sentiment":"neutral","sentiment_score":0.31983482837677},{"text":"Very diversified of having 500 companies in that one single investment.","start":1131.93,"end":1137.335,"sentiment":"neutral","sentiment_score":0.3240929462692954}],"sentiment":"neutral","sentiment_score":0.32373810311158496,"channel":0,"num_words":12,"start":1131.6101,"end":1137.335},{"sentences":[{"text":"Okay.","start":1136.9451,"end":1137.425,"sentiment":"neutral","sentiment_score":0.2771027088165283},{"text":"That makes sense.","start":1137.425,"end":1138.145,"sentiment":"neutral","sentiment_score":0.28301674127578735}],"sentiment":"neutral","sentiment_score":0.2815382331609726,"channel":1,"num_words":4,"start":1136.9451,"end":1138.145},{"sentences":[{"text":"Yep.","start":1138.035,"end":1138.535,"sentiment":"neutral","sentiment_score":0.17964202165603638}],"sentiment":"neutral","sentiment_score":0.17964202165603638,"channel":0,"num_words":1,"start":1138.035,"end":1138.535},{"sentences":[{"text":"Yeah.","start":1138.145,"end":1138.645,"sentiment":"neutral","sentiment_score":0.15578794479370117}],"sentiment":"neutral","sentiment_score":0.15578794479370117,"channel":1,"num_words":1,"start":1138.145,"end":1138.645},{"sentences":[{"text":"Now what we then have another of your core options is what we have changed.","start":1139.475,"end":1145.3151,"sentiment":"neutral","sentiment_score":0.026447414606809615},{"text":"So you had before Benelon Australian Equity, which is, like, at the top there where it's, like, the minus 29,000.","start":1145.3151,"end":1152.78,"sentiment":"neutral","sentiment_score":-0.028564860671758653}],"sentiment":"neutral","sentiment_score":-0.004988171266657965,"channel":0,"num_words":35,"start":1139.475,"end":1152.78},{"sentences":[{"text":"Yes.","start":1153.58,"end":1154.08,"sentiment":"neutral","sentiment_score":0.015132507309317589}],"sentiment":"neutral","sentiment_score":0.015132507309317589,"channel":1,"num_words":1,"start":1153.58,"end":1154.08},{"sentences":[{"text":"That was that one I touched on during the under review that we wanted to look at changing out of that was underperforming.","start":1153.72,"end":1158.86,"sentiment":"neutral","sentiment_score":-0.07398615761295609},{"text":"So instead of that one, we've included at the bottom on this table, you say beta shares Australia 200.","start":1160.04,"end":1168.005,"sentiment":"neutral","sentiment_score":0.00599401179505022},{"text":"Can you see that?","start":1168.005,"end":1168.905,"sentiment":"neutral","sentiment_score":0.02926727430894971}],"sentiment":"neutral","sentiment_score":-0.03197231095122254,"channel":0,"num_words":46,"start":1153.72,"end":1168.905},{"sentences":[{"text":"Yeah.","start":1168.485,"end":1168.985,"sentiment":"neutral","sentiment_score":0.05468856915831566},{"text":"Yes.","start":1169.045,"end":1169.545,"sentiment":"neutral","sentiment_score":0.06063952296972275}],"sentiment":"neutral","sentiment_score":0.0576640460640192,"channel":1,"num_words":2,"start":1168.485,"end":1169.545},{"sentences":[{"text":"At 20%.","start":1169.525,"end":1171.0651,"sentiment":"neutral","sentiment_score":0.05716175213456154},{"text":"So this one invests in the 200 largest companies listed on the ASX.","start":1171.285,"end":1176.425,"sentiment":"neutral","sentiment_score":0.09680890263273166},{"text":"So in Australia.","start":1177.125,"end":1178.185,"sentiment":"neutral","sentiment_score":0.0899812603990237},{"text":"So you'll have companies like, you know, Commonwealth and BHP and Woolworths, all the big companies.","start":1178.19,"end":1183.8899,"sentiment":"neutral","sentiment_score":0.14210718590766191},{"text":"Again, very diversified, but not in The US, here in Australia.","start":1183.95,"end":1188.2899,"sentiment":"neutral","sentiment_score":0.052070080895315514}],"sentiment":"neutral","sentiment_score":0.09976153075695038,"channel":0,"num_words":45,"start":1169.525,"end":1188.2899},{"sentences":[{"text":"Okay.","start":1188.62,"end":1188.94,"sentiment":"neutral","sentiment_score":0.214248925447464},{"text":"That makes sense.","start":1188.94,"end":1189.66,"sentiment":"neutral","sentiment_score":0.2405474235614141},{"text":"Yes.","start":1189.66,"end":1190.16,"sentiment":"neutral","sentiment_score":0.25578296184539795}],"sentiment":"neutral","sentiment_score":0.23833483159542085,"channel":1,"num_words":5,"start":1188.62,"end":1190.16},{"sentences":[{"text":"Yep.","start":1190.2699,"end":1190.7699,"sentiment":"neutral","sentiment_score":0.21498271822929385},{"text":"Now what you then also have is some of the kind of defensive investments because we wanna increase the exposure to your defensive a little bit.","start":1190.9099,"end":1201.3251,"sentiment":"neutral","sentiment_score":0.13829701651747411},{"text":"So if you scroll down, this table kind of spills over through two pages.","start":1201.7051,"end":1206.2899,"sentiment":"neutral","sentiment_score":0.0853278495903526},{"text":"So the next page, you can see gold and then iShares core composite bond.","start":1207.63,"end":1212.83,"sentiment":"neutral","sentiment_score":0.10336259539638247},{"text":"Can you see that?","start":1212.83,"end":1213.8099,"sentiment":"neutral","sentiment_score":0.12220798805356026}],"sentiment":"neutral","sentiment_score":0.11764751406291783,"channel":0,"num_words":59,"start":1190.2699,"end":1213.8099},{"sentences":[{"text":"Okay.","start":1213.79,"end":1214.1901,"sentiment":"neutral","sentiment_score":0.1815252900123596},{"text":"Yes.","start":1214.1901,"end":1214.43,"sentiment":"neutral","sentiment_score":0.2941473126411438},{"text":"Thank you.","start":1214.43,"end":1215.17,"sentiment":"positive","sentiment_score":0.661810576915741}],"sentiment":"positive","sentiment_score":0.44982343912124634,"channel":1,"num_words":4,"start":1213.79,"end":1215.17},{"sentences":[{"text":"Yeah.","start":1215.07,"end":1215.57,"sentiment":"neutral","sentiment_score":0.02318963222205639},{"text":"So, obviously, you have your gold, which is a very good kind of stable investment investment when there are a bit of market fluctuations.","start":1215.63,"end":1222.1549,"sentiment":"positive","sentiment_score":0.5046948492527008},{"text":"So it's allocating about 10% of your kind of defensive alternative investments to gold, kind of stabilizing a little bit for you.","start":1222.455,"end":1231.595,"sentiment":"positive","sentiment_score":0.5169793238694017},{"text":"And then the 14% at the bottom is, like, your fixed interest, again, to kinda give you that defensive element of limit fluctuations a little bit.","start":1231.815,"end":1242.16,"sentiment":"neutral","sentiment_score":0.3109024820419458}],"sentiment":"positive","sentiment_score":0.43277911880142883,"channel":0,"num_words":73,"start":1215.07,"end":1242.16},{"sentences":[{"text":"Okay.","start":1242.52,"end":1243.02,"sentiment":"neutral","sentiment_score":0.1515233963727951}],"sentiment":"neutral","sentiment_score":0.1515233963727951,"channel":1,"num_words":1,"start":1242.52,"end":1243.02},{"sentences":[{"text":"Now if you scroll back up to that table we were on page 18 again,","start":1244.0599,"end":1247.9199,"sentiment":"neutral","sentiment_score":0.07435468286275863}],"sentiment":"neutral","sentiment_score":0.07435468286275863,"channel":0,"num_words":15,"start":1244.0599,"end":1247.9199},{"sentences":[{"text":"Mhmm.","start":1248.485,"end":1248.985,"sentiment":"neutral","sentiment_score":0.060520123690366745}],"sentiment":"neutral","sentiment_score":0.060520123690366745,"channel":1,"num_words":1,"start":1248.485,"end":1248.985},{"sentences":[{"text":"the rest of your investments are kind of what we call your satellite investment.","start":1248.7,"end":1254.365,"sentiment":"neutral","sentiment_score":0.12507664944444383},{"text":"Now what that is is kind of your more dynamic and specialized investments.","start":1255.225,"end":1261.005,"sentiment":"neutral","sentiment_score":0.16172685474157333},{"text":"They kind of target specific sectors or regions or assets to kinda maximize that growth for you.","start":1261.705,"end":1269.27,"sentiment":"neutral","sentiment_score":0.22299081262420206},{"text":"But they can be a little bit more volatile, and that is why they only represent a smaller portion, but","start":1269.65,"end":1276.6901,"sentiment":"neutral","sentiment_score":-0.0386625531129539}],"sentiment":"neutral","sentiment_score":0.10736117119085975,"channel":0,"num_words":64,"start":1248.7,"end":1276.6901},{"sentences":[{"text":"Okay.","start":1276.4751,"end":1276.9751,"sentiment":"neutral","sentiment_score":-0.04053308814764023}],"sentiment":"neutral","sentiment_score":-0.04053308814764023,"channel":1,"num_words":1,"start":1276.4751,"end":1276.9751},{"sentences":[{"text":"not as much.","start":1276.6901,"end":1277.535,"sentiment":"neutral","sentiment_score":-0.1002725288271904},{"text":"Yet.","start":1277.935,"end":1278.435,"sentiment":"neutral","sentiment_score":-0.00808665156364441},{"text":"So and we've reduced this a little bit for you for because in that high growth, you have a little bit more exposure to those satellite investments.","start":1278.975,"end":1286.915,"sentiment":"neutral","sentiment_score":0.03591540442020805},{"text":"In the","start":1287.135,"end":1287.535,"sentiment":"neutral","sentiment_score":0.04273940622806549}],"sentiment":"neutral","sentiment_score":0.022614863447167656,"channel":0,"num_words":33,"start":1276.6901,"end":1287.535},{"sentences":[{"text":"Mhmm.","start":1287.435,"end":1287.935,"sentiment":"neutral","sentiment_score":0.027308590710163116}],"sentiment":"neutral","sentiment_score":0.027308590710163116,"channel":1,"num_words":1,"start":1287.435,"end":1287.935},{"sentences":[{"text":"growth, you have a little bit less.","start":1287.535,"end":1289.3151,"sentiment":"neutral","sentiment_score":-0.011524096131324768},{"text":"So you can see, for example, the first one of 5% is the beta share cybersecurity.","start":1289.375,"end":1295.68,"sentiment":"neutral","sentiment_score":0.10288899950683117},{"text":"You already have that one in your portfolio.","start":1296.06,"end":1298.24,"sentiment":"neutral","sentiment_score":0.14139582216739655},{"text":"We're just reducing it down to 5%.","start":1298.94,"end":1301.68,"sentiment":"neutral","sentiment_score":0.0949338089142527}],"sentiment":"neutral","sentiment_score":0.08845417260339386,"channel":0,"num_words":38,"start":1287.535,"end":1301.68},{"sentences":[{"text":"Yeah.","start":1303.335,"end":1303.735,"sentiment":"neutral","sentiment_score":0.1424822211265564}],"sentiment":"neutral","sentiment_score":0.1424822211265564,"channel":1,"num_words":1,"start":1303.335,"end":1303.735},{"sentences":[{"text":"We","start":1303.5,"end":1303.82,"sentiment":"neutral","sentiment_score":0.15150810778141022}],"sentiment":"neutral","sentiment_score":0.15150810778141022,"channel":0,"num_words":1,"start":1303.5,"end":1303.82},{"sentences":[{"text":"Yep.","start":1303.735,"end":1304.235,"sentiment":"neutral","sentiment_score":0.15340495109558103}],"sentiment":"neutral","sentiment_score":0.15340495109558103,"channel":1,"num_words":1,"start":1303.735,"end":1304.235},{"sentences":[{"text":"then have 8% in shares Europe.","start":1303.82,"end":1307.665,"sentiment":"neutral","sentiment_score":0.19957050681114197},{"text":"You already have that one again in your investment.","start":1307.665,"end":1310.165,"sentiment":"neutral","sentiment_score":0.29082102908028495},{"text":"It is just kind of increasing at up to eight percent.","start":1311.025,"end":1314.5651,"sentiment":"positive","sentiment_score":0.3519698218865828},{"text":"Again, we want to make sure that your portfolio is very diversified and not just dependent on just The US or Australia.","start":1314.9451,"end":1324.01,"sentiment":"neutral","sentiment_score":0.2438064827160402},{"text":"We wanna kind of have you spread across the world as 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may have heard of Vanguard before.","start":1343.9349,"end":1345.5349,"sentiment":"neutral","sentiment_score":0.057657858090741296},{"text":"They're","start":1345.5349,"end":1345.775,"sentiment":"neutral","sentiment_score":0.07185188680887222}],"sentiment":"neutral","sentiment_score":0.13486068636517634,"channel":0,"num_words":44,"start":1327.91,"end":1345.775},{"sentences":[{"text":"Yes.","start":1345.6,"end":1346.1,"sentiment":"neutral","sentiment_score":0.10570444911718369}],"sentiment":"neutral","sentiment_score":0.10570444911718369,"channel":1,"num_words":1,"start":1345.6,"end":1346.1},{"sentences":[{"text":"quite big as well.","start":1345.775,"end":1347.075,"sentiment":"neutral","sentiment_score":0.14326286688446999},{"text":"Yes.","start":1348.255,"end":1348.755,"sentiment":"neutral","sentiment_score":0.11171381175518036},{"text":"So that one here is essentially invest in companies all around the globe, but it excludes The US because you already have quite a bit of exposure to The US in that iShares S and P 500.","start":1348.895,"end":1361.21,"sentiment":"neutral","sentiment_score":0.033816450753727474},{"text":"So we also wanna make sure we don't have too much in in one market.","start":1361.35,"end":1364.2032,"sentiment":"neutral","sentiment_score":-0.04291131844123205},{"text":"So it basically excludes The US, but it basically excludes The US, but invest everywhere else.","start":1364.2032,"end":1368.7749,"sentiment":"neutral","sentiment_score":-0.016345720505341887}],"sentiment":"neutral","sentiment_score":0.014120173321603096,"channel":0,"num_words":73,"start":1345.775,"end":1368.7749},{"sentences":[{"text":"Okay.","start":1368.3251,"end":1368.645,"sentiment":"neutral","sentiment_score":0.3005450963973999},{"text":"Excellent.","start":1368.645,"end":1369.145,"sentiment":"positive","sentiment_score":0.6203436851501465}],"sentiment":"positive","sentiment_score":0.4604443907737732,"channel":1,"num_words":2,"start":1368.3251,"end":1369.145},{"sentences":[{"text":"Does that does that make sense?","start":1369.235,"end":1370.7749,"sentiment":"neutral","sentiment_score":0.3298818717400233}],"sentiment":"neutral","sentiment_score":0.3298818717400233,"channel":0,"num_words":6,"start":1369.235,"end":1370.7749},{"sentences":[{"text":"No doubt.","start":1370.7251,"end":1371.2051,"sentiment":"neutral","sentiment_score":0.1609651818871498},{"text":"Yes.","start":1371.2051,"end":1371.7051,"sentiment":"neutral","sentiment_score":0.1952979415655136}],"sentiment":"neutral","sentiment_score":0.1724094351132711,"channel":1,"num_words":3,"start":1370.7251,"end":1371.7051},{"sentences":[{"text":"Yeah.","start":1371.7949,"end":1372.195,"sentiment":"positive","sentiment_score":0.3709374666213989},{"text":"Perfect.","start":1372.195,"end":1372.695,"sentiment":"positive","sentiment_score":0.7060316801071167},{"text":"Now if you wanted to go and have a bit of a read over these investments in your in your own time whenever you have a spare moment, In the appendix, I have included investment links to each and every single one of these investments.","start":1373.075,"end":1385.71,"sentiment":"neutral","sentiment_score":0.2372725024819374},{"text":"So there's that full transparency for you that you can click on and have a read over if you would like as well.","start":1386.01,"end":1392.27,"sentiment":"neutral","sentiment_score":0.20972194555013077}],"sentiment":"neutral","sentiment_score":0.23682623580098153,"channel":0,"num_words":70,"start":1371.7949,"end":1392.27},{"sentences":[{"text":"Okay.","start":1392.4451,"end":1392.925,"sentiment":"positive","sentiment_score":0.3734918236732483},{"text":"Fantastic.","start":1392.925,"end":1393.425,"sentiment":"positive","sentiment_score":0.6220912933349609}],"sentiment":"positive","sentiment_score":0.4977915585041046,"channel":1,"num_words":2,"start":1392.4451,"end":1393.425},{"sentences":[{"text":"Yep.","start":1393.77,"end":1394.27,"sentiment":"neutral","sentiment_score":0.2875819802284241},{"text":"Now on the page 19, you can then kind of see a a cash account table.","start":1394.775,"end":1400.135,"sentiment":"neutral","sentiment_score":0.10677031148225069},{"text":"Can you see that?","start":1400.135,"end":1401.1951,"sentiment":"neutral","sentiment_score":0.06546407658606768}],"sentiment":"neutral","sentiment_score":0.10751253668041456,"channel":0,"num_words":21,"start":1393.77,"end":1401.1951},{"sentences":[{"text":"Yes.","start":1401.245,"end":1401.745,"sentiment":"neutral","sentiment_score":0.07827059179544449}],"sentiment":"neutral","sentiment_score":0.07827059179544449,"channel":1,"num_words":1,"start":1401.245,"end":1401.745},{"sentences":[{"text":"Yep.","start":1402.375,"end":1402.775,"sentiment":"neutral","sentiment_score":0.08312694728374481},{"text":"So with hub twenty four, you have to have a minimum of 1.25% of the funds in cash just to kind of account for fees and and stuff like that.","start":1402.775,"end":1413.94,"sentiment":"neutral","sentiment_score":0.09132654890418053},{"text":"Now we wanna keep it as close to that 1.25 as possible because, obviously, the cash isn't gonna grow near as much as your 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of","start":1440.12,"end":1441.3999,"sentiment":"neutral","sentiment_score":0.0818886011838913}],"sentiment":"neutral","sentiment_score":0.06098412144286879,"channel":0,"num_words":29,"start":1429.555,"end":1441.3999},{"sentences":[{"text":"Perfect.","start":1441.39,"end":1441.89,"sentiment":"neutral","sentiment_score":0.14853981137275696}],"sentiment":"neutral","sentiment_score":0.14853981137275696,"channel":1,"num_words":1,"start":1441.39,"end":1441.89},{"sentences":[{"text":"80% of growth, 20 in defensive.","start":1441.3999,"end":1445.1,"sentiment":"neutral","sentiment_score":0.10153354952732722},{"text":"It does vary a little bit depending on market fluctuations, but keeping it around that.","start":1445.32,"end":1451.5,"sentiment":"neutral","sentiment_score":0.0512780266503493},{"text":"You can then see your existing.","start":1451.7999,"end":1453.735,"sentiment":"neutral","sentiment_score":0.0999011645714442},{"text":"So you can see that currently, you're in 88.72 growth and then 11.28 in defensive.","start":1454.115,"end":1461.975,"sentiment":"neutral","sentiment_score":0.10913022756576538},{"text":"And you can then see that the proposed, you can see, is a little bit higher in those defensive investments and reducing that growth down a little bit for you.","start":1462.675,"end":1472.7699,"sentiment":"neutral","sentiment_score":0.08108577281236648}],"sentiment":"neutral","sentiment_score":0.08399035114174087,"channel":0,"num_words":72,"start":1441.3999,"end":1472.7699},{"sentences":[{"text":"Okay.","start":1472.44,"end":1472.94,"sentiment":"neutral","sentiment_score":0.14408305287361145},{"text":"Yes.","start":1473.0,"end":1473.465,"sentiment":"neutral","sentiment_score":0.17627649009227753}],"sentiment":"neutral","sentiment_score":0.1601797714829445,"channel":1,"num_words":2,"start":1472.44,"end":1473.465},{"sentences":[{"text":"Yep.","start":1473.7899,"end":1474.2899,"sentiment":"neutral","sentiment_score":0.24412843585014343},{"text":"Which, again, is very good that the recommended growth has still outperformed your your high growth.","start":1474.99,"end":1480.2899,"sentiment":"positive","sentiment_score":0.6263893004506826},{"text":"Because, typically, when we're talking about a longer period of time, we can we tend to see high growth outperforming a little bit, but then you don't have as much fluctuations in the growth.","start":1480.5099,"end":1491.105,"sentiment":"neutral","sentiment_score":0.22179806374889963},{"text":"But in this instance, it's very good that the portfolio has kind of been targeted for diversification and to limit those fluctuations while still making sure we are targeting growth because we still wanna make sure that your money is working hard for you when you are not contributing.","start":1491.105,"end":1506.0399,"sentiment":"positive","sentiment_score":0.5782687213956094}],"sentiment":"positive","sentiment_score":0.4614265875890851,"channel":0,"num_words":100,"start":1473.7899,"end":1506.0399},{"sentences":[{"text":"Okay.","start":1506.355,"end":1506.755,"sentiment":"positive","sentiment_score":0.3488582372665405},{"text":"Perfect.","start":1506.755,"end":1507.255,"sentiment":"positive","sentiment_score":0.511506199836731}],"sentiment":"positive","sentiment_score":0.43018221855163574,"channel":1,"num_words":2,"start":1506.355,"end":1507.255},{"sentences":[{"text":"Yep.","start":1507.94,"end":1508.44,"sentiment":"neutral","sentiment_score":0.26661500334739685},{"text":"Now the next couple of pages talks about that estate planning.","start":1508.8999,"end":1514.4751,"sentiment":"neutral","sentiment_score":0.12635677714239468},{"text":"So I will kind of let you have a read over it.","start":1514.4751,"end":1516.895,"sentiment":"neutral","sentiment_score":0.1304672515640656},{"text":"It is something I always tell everyone to consider, and I know we talked about it the the during the annual review, but it does talk about setting up a will, the importance of setting up a will.","start":1516.9551,"end":1528.8999,"sentiment":"neutral","sentiment_score":0.13316917968423744},{"text":"It also talks about power of attorney.","start":1529.6799,"end":1533.86,"sentiment":"neutral","sentiment_score":0.07508713006973267}],"sentiment":"neutral","sentiment_score":0.1276548595532127,"channel":0,"num_words":69,"start":1507.94,"end":1533.86},{"sentences":[{"text":"So on page 24, it talks about the different types of power of attorney that you can make and, again, the benefits and stuff in regards to making a power of attorney nomination, things to be mindful of.","start":1533.9199,"end":1549.875,"sentiment":"neutral","sentiment_score":0.11228244408572975},{"text":"And then you also have in regards to guardian","start":1550.4149,"end":1554.27,"sentiment":"neutral","sentiment_score":0.03929278833998574}],"sentiment":"neutral","sentiment_score":0.0983057014961192,"channel":0,"num_words":47,"start":1533.9199,"end":1554.27},{"sentences":[{"text":"Okay.","start":1555.9701,"end":1556.4701,"sentiment":"neutral","sentiment_score":0.04602892696857453},{"text":"Mhmm.","start":1557.17,"end":1557.67,"sentiment":"neutral","sentiment_score":0.058980636298656464}],"sentiment":"neutral","sentiment_score":0.052504781633615494,"channel":1,"num_words":2,"start":1555.9701,"end":1557.67},{"sentences":[{"text":"importance of considering this as well as part of kind of the estate planning if something ever were to happen to you.","start":1559.9501,"end":1566.9551,"sentiment":"neutral","sentiment_score":0.14932226796041836},{"text":"So that's just basically there for you so you can have a bit of a read over it.","start":1566.9551,"end":1570.495,"sentiment":"neutral","sentiment_score":0.21082458645105362}],"sentiment":"neutral","sentiment_score":0.17699831128120422,"channel":0,"num_words":40,"start":1559.9501,"end":1570.495},{"sentences":[{"text":"Fantastic.","start":1570.625,"end":1571.125,"sentiment":"positive","sentiment_score":0.5504242181777954}],"sentiment":"positive","sentiment_score":0.5504242181777954,"channel":1,"num_words":1,"start":1570.625,"end":1571.125},{"sentences":[{"text":"Now you will then have ongoing services, so page 28, if you can see that.","start":1572.555,"end":1579.375,"sentiment":"neutral","sentiment_score":0.18302624026934305}],"sentiment":"neutral","sentiment_score":0.18302624026934305,"channel":0,"num_words":15,"start":1572.555,"end":1579.375},{"sentences":[{"text":"Yes.","start":1579.7,"end":1579.86,"sentiment":"neutral","sentiment_score":0.1718328297138214},{"text":"I can.","start":1579.86,"end":1580.6,"sentiment":"neutral","sentiment_score":0.18391858041286469}],"sentiment":"neutral","sentiment_score":0.17988999684651694,"channel":1,"num_words":3,"start":1579.7,"end":1580.6},{"sentences":[{"text":"Yep.","start":1580.875,"end":1581.275,"sentiment":"neutral","sentiment_score":0.2152806967496872},{"text":"Perfect.","start":1581.275,"end":1581.775,"sentiment":"positive","sentiment_score":0.34426143765449524},{"text":"So, again, we kinda touched on this during the annual review, whereas, obviously, we wanna make sure that we always touch base and reassess the advice depending on what is going on for you.","start":1581.8351,"end":1591.03,"sentiment":"neutral","sentiment_score":0.19475621642435298},{"text":"So the minimum is obviously the under review where we reassess everything.","start":1591.81,"end":1595.35,"sentiment":"neutral","sentiment_score":0.1335265257706245},{"text":"But if anything changes for you, just let me know because we can definitely do a lot more catch up than just yearly just to make sure, obviously, everything continues to align and, obviously, that you are happy.","start":1595.49,"end":1609.335,"sentiment":"positive","sentiment_score":0.3715008403125562}],"sentiment":"neutral","sentiment_score":0.2662860899297304,"channel":0,"num_words":86,"start":1580.875,"end":1609.335},{"sentences":[{"text":"And if you need any other advice or guidance or any anything else, then just just give us a call.","start":1609.335,"end":1615.42,"sentiment":"neutral","sentiment_score":0.15351519733667374}],"sentiment":"neutral","sentiment_score":0.15351519733667374,"channel":0,"num_words":20,"start":1609.335,"end":1615.42},{"sentences":[{"text":"Okay.","start":1615.92,"end":1616.24,"sentiment":"neutral","sentiment_score":0.20590023696422577},{"text":"Perfect.","start":1616.24,"end":1616.74,"sentiment":"neutral","sentiment_score":0.2958439290523529}],"sentiment":"neutral","sentiment_score":0.25087208300828934,"channel":1,"num_words":2,"start":1615.92,"end":1616.74},{"sentences":[{"text":"Yeah.","start":1617.0801,"end":1617.56,"sentiment":"neutral","sentiment_score":0.21033552289009097},{"text":"Perfect.","start":1617.56,"end":1618.06,"sentiment":"neutral","sentiment_score":0.3117125332355499},{"text":"Now the last thing is just then in regards to remuneration, which is page 30.","start":1619.3201,"end":1626.485,"sentiment":"neutral","sentiment_score":0.14814209739367168},{"text":"Now like I touched on again during the under review, there is no changes whatsoever in regards to that fee structure.","start":1627.6649,"end":1634.1649,"sentiment":"neutral","sentiment_score":0.1581497217218081},{"text":"That stays exactly the same at 1.65, and that was factored into those projections I showed you earlier as well.","start":1634.465,"end":1638.225,"sentiment":"neutral","sentiment_score":0.25415914356708524}],"sentiment":"neutral","sentiment_score":0.1922156300781102,"channel":0,"num_words":58,"start":1617.0801,"end":1638.225},{"sentences":[{"text":"So it still","start":1638.225,"end":1640.54,"sentiment":"neutral","sentiment_score":0.12708273281653723}],"sentiment":"neutral","sentiment_score":0.12708273281653723,"channel":0,"num_words":3,"start":1638.225,"end":1640.54},{"sentences":[{"text":"Yep.","start":1641.4901,"end":1641.81,"sentiment":"neutral","sentiment_score":0.11216236650943756},{"text":"Oh, okay.","start":1641.81,"end":1642.53,"sentiment":"neutral","sentiment_score":0.11870862543582916}],"sentiment":"neutral","sentiment_score":0.11652653912703197,"channel":1,"num_words":3,"start":1641.4901,"end":1642.53},{"sentences":[{"text":"shows","start":1642.52,"end":1642.68,"sentiment":"neutral","sentiment_score":0.0774843618273735}],"sentiment":"neutral","sentiment_score":0.0774843618273735,"channel":0,"num_words":1,"start":1642.52,"end":1642.68},{"sentences":[{"text":"Yeah.","start":1642.53,"end":1643.01,"sentiment":"neutral","sentiment_score":0.11898007988929749}],"sentiment":"neutral","sentiment_score":0.11898007988929749,"channel":1,"num_words":1,"start":1642.53,"end":1643.01},{"sentences":[{"text":"you","start":1642.68,"end":1642.8401,"sentiment":"neutral","sentiment_score":0.11547398567199708}],"sentiment":"neutral","sentiment_score":0.11547398567199708,"channel":0,"num_words":1,"start":1642.68,"end":1642.8401},{"sentences":[{"text":"Yep.","start":1643.01,"end":1643.51,"sentiment":"neutral","sentiment_score":0.11190184205770493}],"sentiment":"neutral","sentiment_score":0.11190184205770493,"channel":1,"num_words":1,"start":1643.01,"end":1643.51},{"sentences":[{"text":"yeah.","start":1643.3201,"end":1643.56,"sentiment":"neutral","sentiment_score":0.0747605413198471},{"text":"So that shows you everything of making sure that even though you are not contributing, that the return on the investment will outperform, you know, any fees, adviser fees, platform fees, insurances, everything to make sure that everything still continues to grow and move forward for you.","start":1643.56,"end":1660.955,"sentiment":"positive","sentiment_score":0.5674998386109129}],"sentiment":"positive","sentiment_score":0.5572344365840157,"channel":0,"num_words":48,"start":1643.3201,"end":1660.955},{"sentences":[{"text":"Okay.","start":1661.865,"end":1662.265,"sentiment":"positive","sentiment_score":0.5269653797149658},{"text":"Fantastic.","start":1662.265,"end":1662.765,"sentiment":"positive","sentiment_score":0.6975865960121155}],"sentiment":"positive","sentiment_score":0.6122759878635406,"channel":1,"num_words":2,"start":1661.865,"end":1662.765},{"sentences":[{"text":"Yep.","start":1663.4149,"end":1663.9149,"sentiment":"positive","sentiment_score":0.3393281102180481},{"text":"Now like I said again, doing the under review, not a lock in contract.","start":1664.9349,"end":1667.73,"sentiment":"neutral","sentiment_score":0.04695287373449121},{"text":"So if at any point in time, things change for you or if you are not happy, it's not like you're locked in to a twelve month period.","start":1667.73,"end":1674.93,"sentiment":"neutral","sentiment_score":-0.13568261691502162},{"text":"You can call us whenever you want to if you are not happy or if you wanna reassess","start":1674.93,"end":1678.79,"sentiment":"neutral","sentiment_score":-0.07906055077910423}],"sentiment":"neutral","sentiment_score":-0.06927106303514027,"channel":0,"num_words":61,"start":1663.4149,"end":1678.79},{"sentences":[{"text":"Okay.","start":1680.105,"end":1680.505,"sentiment":"neutral","sentiment_score":-0.09659124910831451},{"text":"If if for some unknown reason that that did happen, like, you you decided to 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say","start":1701.01,"end":1701.89,"sentiment":"neutral","sentiment_score":-0.058545744667450585}],"sentiment":"neutral","sentiment_score":-0.12437321695809563,"channel":0,"num_words":24,"start":1696.61,"end":1701.89},{"sentences":[{"text":"Yep.","start":1701.51,"end":1702.01,"sentiment":"neutral","sentiment_score":-0.028916992247104645}],"sentiment":"neutral","sentiment_score":-0.028916992247104645,"channel":1,"num_words":1,"start":1701.51,"end":1702.01},{"sentences":[{"text":"you were to go, no.","start":1701.89,"end":1703.3301,"sentiment":"neutral","sentiment_score":-0.09091344773769379},{"text":"I don't want to stay on as a client anymore.","start":1703.3301,"end":1705.75,"sentiment":"neutral","sentiment_score":-0.12877704203128815},{"text":"But let's say you wanted to roll through Australia, for example, or stay in Hub 24 but manage, obviously, all your investments 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afternoon.","start":2139.69,"end":2143.63,"sentiment":"positive","sentiment_score":0.8292250225418493}],"sentiment":"positive","sentiment_score":0.794065332931021,"channel":0,"num_words":23,"start":2138.89,"end":2143.63},{"sentences":[{"text":"You too.","start":2143.7449,"end":2144.305,"sentiment":"positive","sentiment_score":0.5385431945323944},{"text":"Thank you.","start":2144.305,"end":2144.965,"sentiment":"positive","sentiment_score":0.6367623805999756}],"sentiment":"positive","sentiment_score":0.587652787566185,"channel":1,"num_words":4,"start":2143.7449,"end":2144.965},{"sentences":[{"text":"Mhmm.","start":2144.97,"end":2145.29,"sentiment":"neutral","sentiment_score":0.19335639476776123},{"text":"No worries.","start":2145.29,"end":2145.77,"sentiment":"neutral","sentiment_score":0.1966196447610855},{"text":"We're fixing.","start":2145.77,"end":2146.51,"sentiment":"neutral","sentiment_score":0.2828695625066757}],"sentiment":"neutral","sentiment_score":0.23046696186065674,"channel":0,"num_words":5,"start":2144.97,"end":2146.51},{"sentences":[{"text":"Bye.","start":2146.865,"end":2147.365,"sentiment":"neutral","sentiment_score":0.24867907166481015}],"sentiment":"neutral","sentiment_score":0.24867907166481015,"channel":1,"num_words":1,"start":2146.865,"end":2147.365},{"sentences":[{"text":"Bye.","start":2147.85,"end":2148.35,"sentiment":"neutral","sentiment_score":-0.10681403428316116}],"sentiment":"neutral","sentiment_score":-0.10681403428316116,"channel":0,"num_words":1,"start":2147.85,"end":2148.35}]},"summary":{"result":"success","short":"A representative from IQ Financial, named Veronica, recommends a six-month process for reviewing investment recommendations based on risk exposure and potential changes to investments. The recommendation is aligned with personal circumstances and risk tolerance and is not a complete one-time thing. The process is designed to provide more certainty of investment returns and reduce capital gains tax. The focus is on diversifying investments and changing investments if they find them more competitive. The under review process is ongoing and fees and adviser fees are not included in projections. The speaker emphasizes the need for a holistic approach before making recommendations and offers to book another follow-up if the customer is satisfied with the recommendation."},"intents":{"segments":[{"text":"Now, Nathan, do you have access to your emails at the moment, or is it a bit tricky if if you're No. on the No. phone?","start_word":331,"end_word":356,"intents":[{"intent":"Confirm access to emails","confidence_score":0.03722161}]},{"text":"Now if you same as for the under review, it will ask you to click on the link. It doesn't mean you have to sign right away, but it does allow you to open up and look at the recommendation first. Okay. Terrific.","start_word":402,"end_word":444,"intents":[{"intent":"Suggest reviewing recommendations","confidence_score":0.0002178449}]},{"text":"So I have made a recommendation for you, Nathan, and I have put everything in this statement of advice. Now it is quite long, 35 pages, but I won't go through all of that with you. I'll go through the main points, and then I'll let you have a read over it in your own time as Yeah.","start_word":527,"end_word":584,"intents":[{"intent":"Provide information on the recommended recommendations","confidence_score":0.00007651874},{"intent":"Recommend reading recommendations","confidence_score":0.0010601891}]},{"text":"Now if you scroll to the second page, can you see a little section where it talks about the best interest duty? Yes.","start_word":673,"end_word":695,"intents":[{"intent":"Ask about best interest duty","confidence_score":0.0019237238},{"intent":"Request the option to scroll to the next page","confidence_score":9.1065135e-7}]},{"text":"Now that one here basically just outlines 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?","start_word":701,"end_word":748,"intents":[{"intent":"Highlight advice","confidence_score":0.008825609}]},{"text":"So that basically just talks about the sections that we are focusing on today in this statement of advice, but it doesn't mean that there's not other things we can't look at down the track. But simply today, we're keeping it pretty straightforward in reviewing that superannuation for you, making sure that continues to grow, Yes.","start_word":801,"end_word":856,"intents":[{"intent":"Review superannuation","confidence_score":0.10081444}]},{"text":"as well as including some information in regards to that estate planning. I know we spoke about it last time doing the under review, but I have included some information on the importance of having that will, the power of attorney, and then also that guardian shift as well if something ever were to happen to you. Terrific.","start_word":857,"end_word":914,"intents":[{"intent":"Include information","confidence_score":0.70304126}]},{"text":"Now on the next page, you can see, it just says limited scope, and that basically just shows that we're not making any changes or anything into insurances. We are keeping everything the same. Insurances has just been included in this document just to show you that it does have an impact on your superannuation, so, therefore, it kind of has to be factored in, but we're not changing anything. Okay.","start_word":917,"end_word":987,"intents":[{"intent":"Discuss limited scope","confidence_score":0.096936285}]},{"text":"And, obviously, savings, that could obviously fluctuate a little bit since when we Yeah.","start_word":1060,"end_word":1073,"intents":[{"intent":"Discuss savings fluctuations","confidence_score":0.013452304}]},{"text":"And when I did do the research, I did consider other super funds for you as well just to see if there's anyone that's more competitive out there in the market for you.","start_word":1466,"end_word":1498,"intents":[{"intent":"Show interest in different super funds","confidence_score":0.00010032812}]},{"text":"And when I did do the research, I did consider other super funds for you as well just to see if there's anyone that's more competitive out there in the market for you. There's nothing tying us to have 24 at all if there is someone else that was going to be more competitive. But for the time being, I have recommend staying in hub twenty four. It is still very competitive when it comes to Okay. their fees and features and investment choices.","start_word":1466,"end_word":1549,"intents":[{"intent":"Recommend switching super funds","confidence_score":0.008278464}]},{"text":"But for the time being, I have recommend staying in hub twenty four. It is still very competitive when it comes to Okay. their fees and features and investment choices.","start_word":1520,"end_word":1549,"intents":[{"intent":"Recommend staying in hub twenty four","confidence_score":0.5662458},{"intent":"Explain benefits and disadvantages of hub twenty four","confidence_score":0.0054259184}]},{"text":"I do use hub twenty four for my personal super as well. So for the time being, I have just recommended that we change some of those investments around, but no need to change the super funds. Does that Okay. make sense?","start_word":1551,"end_word":1592,"intents":[{"intent":"Discuss investments","confidence_score":0.00010130191},{"intent":"Discuss portfolio options","confidence_score":0.006371092}]},{"text":"a the high growth portfolio. Yep.","start_word":1801,"end_word":1806,"intents":[{"intent":"Discuss portfolio size","confidence_score":0.0014404635}]},{"text":"Now on the recommended side, you can see kind of a similar structure. You can see the balance that stays the same in in hub twenty four. So no changes in regards to kind of the side.","start_word":1807,"end_word":1843,"intents":[{"intent":"Describe portfolio structure","confidence_score":0.013865489}]},{"text":"We have made changes in regards to Hub twenty four. Okay. So you can basically see that we're just making a couple of investment changes. It is saving you about the difference there, $375 per year in Mhmm.","start_word":1845,"end_word":1882,"intents":[{"intent":"Make investment changes","confidence_score":0.248173}]},{"text":"So you can basically see that we're just making a couple of investment changes. It is saving you about the difference there, $375 per year in Mhmm.","start_word":1855,"end_word":1881,"intents":[{"intent":"Understand investment difference","confidence_score":0.000079338475}]},{"text":"So you can basically see that we're just making a couple of investment changes. It is saving you about the difference there, $375 per year in Mhmm. investment fees, which does make a pretty big difference. It does.","start_word":1855,"end_word":1892,"intents":[{"intent":"Show investment benefits","confidence_score":0.00028209042}]},{"text":"investment fees, which does make a pretty big difference. It does.","start_word":1882,"end_word":1892,"intents":[{"intent":"Calculate investment fee difference","confidence_score":0.00026506904}]},{"text":"Now the biggest kind of change is then the return on the investment. So this is using the same period, so the same five year rolling average. And that shows you that the the recommended investment portfolio, even though it is reducing your risk exposure, it has actually outperformed your current portfolio by quite a lot when we are Okay.","start_word":1895,"end_word":1954,"intents":[{"intent":"Calculate portfolio returns","confidence_score":0.008829838}]},{"text":"Because if I were to use a twelve month period, depending on when I would have done it, some years, it would have looked like you've won the lottery, whereas other years, not so good depending on, obviously, when that tier period would have been. So using Okay.","start_word":2059,"end_word":2106,"intents":[{"intent":"Specify investment duration","confidence_score":0.0040893117}]},{"text":"So what this is is that when we do make recommendations on selling investments that have gone up, there will be some capital gains tax paid. Now Okay.","start_word":2426,"end_word":2453,"intents":[{"intent":"Educate about capital gains tax","confidence_score":0.018542968}]},{"text":"What's in black is either what we are keeping in your portfolio or increasing or adding to your portfolio. Does that Okay. make sense?","start_word":2894,"end_word":2917,"intents":[{"intent":"Clarify investment strategy","confidence_score":0.021979079}]},{"text":"So, basically, what it means is that we invest majority of the funds in what we call, like, your core, which basically represents the backbone of the portfolio and are essentially kind of like your your biggest shareholding. These are very diversified investment options that have done really well in the past. So, Okay.","start_word":3011,"end_word":3064,"intents":[{"intent":"Highlight financial options","confidence_score":0.00014638518}]},{"text":"So, obviously, you have your gold, which is a very good kind of stable investment investment when there are a bit of market fluctuations. So it's allocating about 10% of your kind of defensive alternative investments to gold, kind of stabilizing a little bit for you. And then the 14% at the bottom is, like, your fixed interest, again, to kinda give you that defensive element of limit fluctuations a little bit. Okay.","start_word":3375,"end_word":3447,"intents":[{"intent":"Clarify investment strategies","confidence_score":0.0018097195}]},{"text":"Now if you wanted to go and have a bit of a read over these investments in your in your own time whenever you have a spare moment, In the appendix, I have included investment links to each and every single one of these investments. So there's that full transparency for you that you can click on and have a read over if you would like as well. Okay. Fantastic.","start_word":3795,"end_word":3864,"intents":[{"intent":"Analyze investments","confidence_score":0.21129674}]},{"text":"Now the next couple of pages talks about that estate planning.","start_word":4171,"end_word":4181,"intents":[{"intent":"Discuss estate planning","confidence_score":0.46473867}]},{"text":"It also talks about power of attorney. So on page 24, it talks about the different types of power of attorney that you can make and, again, the benefits and stuff in regards to making a power of attorney nomination, things to be mindful of.","start_word":4232,"end_word":4276,"intents":[{"intent":"Discuss power of attorney","confidence_score":0.6226764},{"intent":"Discuss power of attorney","confidence_score":0.61044765},{"intent":"Discuss power of attorney","confidence_score":0.5667656}]},{"text":"So on page 24, it talks about the different types of power of attorney that you can make and, again, the benefits and stuff in regards to making a power of attorney nomination, things to be mindful of.","start_word":4239,"end_word":4276,"intents":[{"intent":"Discuss power of attorney nomination","confidence_score":0.2742883}]},{"text":"So, again, we kinda touched on this during the annual review, whereas, obviously, we wanna make sure that we always touch base and reassess the advice depending on what is going on for you.","start_word":4349,"end_word":4382,"intents":[{"intent":"Reassess advice","confidence_score":0.016453221}]},{"text":"Now the last thing is just then in regards to remuneration, which is page 30. Now like I touched on again during the under review, there is no changes whatsoever in regards to that fee structure. That stays exactly the same at 1.65, and that was factored into those projections I showed you earlier as well. So it still Yep.","start_word":4457,"end_word":4516,"intents":[{"intent":"Discuss remuneration","confidence_score":0.24895166}]},{"text":"So that shows you everything of making sure that even though you are not contributing, that the return on the investment will outperform, you know, any fees, adviser fees, platform fees, insurances, everything to make sure that everything still continues to grow and move forward for you. Okay.","start_word":4525,"end_word":4572,"intents":[{"intent":"Review investment process","confidence_score":0.0011267967}]},{"text":"Now, also, obviously, this all part of the ongoing advising. So if you, obviously, take a moment to have a read over it. If you have any questions, let me know. If you do have a read over it and you are happy, to give it a go and see how things are going, it would then be just to sign those documents digitally same as for the under review.","start_word":4984,"end_word":5053,"intents":[{"intent":"Review documents and advise","confidence_score":0.00022132524}]},{"text":"And now Well, that's let's a good just question. say let's say hypothetically that I wanted Mhmm.","start_word":5258,"end_word":5274,"intents":[{"intent":"Request question","confidence_score":0.010913713}]},{"text":"That's why we do the research for you as well through make Yes.","start_word":5707,"end_word":5719,"intents":[{"intent":"Discuss options and research","confidence_score":0.0039218673}]}]},"sentiments":{"segments":[{"text":"Hi. Good afternoon. Is this Nathan? Yes. It is. How are you doing? Yeah.","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.22796310484409332},{"text":"Good.","start_word":14,"end_word":14,"sentiment":"positive","sentiment_score":0.48847147822380066},{"text":"It's Veronica from IQ Financial. How are you? Yeah.","start_word":15,"end_word":23,"sentiment":"neutral","sentiment_score":0.27973368763923645},{"text":"Good. Thank you. That's good. How's your day been?","start_word":24,"end_word":32,"sentiment":"positive","sentiment_score":0.5042209029197693},{"text":"Yeah.","start_word":33,"end_word":33,"sentiment":"neutral","sentiment_score":0.19806724786758423},{"text":"Really well.","start_word":34,"end_word":35,"sentiment":"positive","sentiment_score":0.3353724181652069},{"text":"Really well. I can only just hear you. Sorry. Okay. Let me see if I can turn that up for you.","start_word":36,"end_word":56,"sentiment":"neutral","sentiment_score":-0.06816352903842926},{"text":"Like, it's really, really faint.","start_word":57,"end_word":61,"sentiment":"negative","sentiment_score":-0.3440673351287842},{"text":"Oh, really? Okay. Let me see. Is that any better, or is it still quite low? No. It's still still quite low, and I've just turned my volume all out to max. Let me see. It does say that I have it on Macs as well. Let me see. Is that any better? No? No. I'm not sure. I'll I'll try to speak. I can can you talk me out? I'll see if it Yeah. Is that any better? that's that's a little bit better. I'll just put it on speakerphone Okay. to to try and hear you. Okay. Well, let me know if you have any issues, and I'll speak to IT after as well if it's something with my microphone. Because it does say I have it on Mac. But if you can't hear me, just let me know, and I'm just happy to repeat No. That's alright. I'm just gonna move to a slightly quieter Yeah. room. It might be two seconds. Sure. It'll be taking. Alright. Good to go. Yes. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay? Yeah. That's fine. Yeah. Perfect. And just for security, just so that I can confirm I'm speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please? Yep. Mason, David Mordhew. Seventeenth of the first nineteen eighty nine, and it's Unit 1 Of 121 George Street, East Maitland, New South Wales 2323. Yep.","start_word":62,"end_word":328,"sentiment":"neutral","sentiment_score":0.004790809005498886},{"text":"Beautiful.","start_word":329,"end_word":329,"sentiment":"positive","sentiment_score":0.4177368879318238},{"text":"Now, Nathan, do you have access to your emails at the moment, or is it a bit tricky if if you're No. on the No. phone? I can I can do that? One second. I can Yeah. open them up. Okay.","start_word":330,"end_word":370,"sentiment":"neutral","sentiment_score":0.009216471575200558},{"text":"Great. It just makes it a bit easier for you if you can see it at the same time.","start_word":371,"end_word":389,"sentiment":"positive","sentiment_score":0.5835195183753967},{"text":"Oh, yep. There's your email. I've got it here.","start_word":390,"end_word":398,"sentiment":"neutral","sentiment_score":0.13996629416942596},{"text":"Perfect. Yep. Great.","start_word":399,"end_word":401,"sentiment":"positive","sentiment_score":0.47351446747779846},{"text":"Now if you same as for the under review, it will ask you to click on the link. It doesn't mean you have to sign right away, but it does allow you to open up and look at the recommendation first.","start_word":402,"end_word":442,"sentiment":"neutral","sentiment_score":0.19894306361675265},{"text":"Okay. Terrific.","start_word":443,"end_word":444,"sentiment":"positive","sentiment_score":0.5098481178283691},{"text":"So let me know when you can see the cover page. Yep. It's just just come up now. Okay.","start_word":445,"end_word":463,"sentiment":"neutral","sentiment_score":0.16512100398540497},{"text":"Perfect.","start_word":464,"end_word":464,"sentiment":"positive","sentiment_score":0.3651350140571594},{"text":"So, obviously, do you remember the last conversation we had following the under review? But, obviously, we wanted to revisit everything for you, especially your investments now when you are not getting those contributions and staying at home, and also looking at reducing, the risk exposure for you a little bit just so I'm not seeing Yes. as much fluctuations. Okay.","start_word":465,"end_word":525,"sentiment":"neutral","sentiment_score":0.1018151044845581},{"text":"Perfect.","start_word":526,"end_word":526,"sentiment":"positive","sentiment_score":0.38680630922317505},{"text":"So I have made a recommendation for you, Nathan, and I have put everything in this statement of advice. Now it is quite long, 35 pages, but I won't go through all of that with you. I'll go through the main points, and then I'll let you have a read over it in your own time as Yeah. well. That's And then any fine. questions, Perfect. yeah, Yep. you can let me know. Now this has been tailored specifically for you. Now on the cover page, you can see my details listed as well. You Yes. can see my authorized representative number there, and I am a licensed under OTU Financial. Now, Nathan, this is just recommendation for you as well. It is completely up to you if you would like to go ahead with the recommendation at the end of the day. Okay. Yep. Perfect. Now if you scroll to the second page, can you see a little section where it talks about the best interest duty? Yes. I can. Yep.","start_word":527,"end_word":698,"sentiment":"neutral","sentiment_score":0.17248645424842834},{"text":"Perfect.","start_word":699,"end_word":699,"sentiment":"positive","sentiment_score":0.3690442442893982},{"text":"Now that one here basically just outlines 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?","start_word":700,"end_word":747,"sentiment":"neutral","sentiment_score":0.08658609539270401},{"text":"It does. Thank you. Yeah. Perfect.","start_word":748,"end_word":753,"sentiment":"positive","sentiment_score":0.4916279911994934},{"text":"Now if you scroll through, you'll see table of content, pretty self explanatory. If you then wanna scroll through to the next page, it talks a little bit about the scoping. So it says scope of advice. Can you see Yes. that? Yes. I Yep. can.","start_word":754,"end_word":799,"sentiment":"neutral","sentiment_score":0.10884231328964232},{"text":"Perfect.","start_word":800,"end_word":800,"sentiment":"positive","sentiment_score":0.4694752097129822},{"text":"So that basically just talks about the sections that we are focusing on today in this statement of advice, but it doesn't mean that there's not other things we can't look at down the track. But simply today, we're keeping it pretty straightforward in reviewing that superannuation for you, making sure that continues to grow, Yes. as well as including some information in regards to that estate planning. I know we spoke about it last time doing the under review, but I have included some information on the importance of having that will, the power of attorney, and then also that guardian shift as well if something ever were to happen to you.","start_word":801,"end_word":913,"sentiment":"neutral","sentiment_score":0.17304857075214386},{"text":"Terrific.","start_word":914,"end_word":914,"sentiment":"positive","sentiment_score":0.5234023332595825},{"text":"Yep.","start_word":915,"end_word":915,"sentiment":"neutral","sentiment_score":0.31795620918273926},{"text":"Perfect.","start_word":916,"end_word":916,"sentiment":"positive","sentiment_score":0.3742338716983795},{"text":"Now on the next page, you can see, it just says limited scope, and that basically just shows that we're not making any changes or anything into insurances. We are keeping everything the same. Insurances has just been included in this document just to show you that it does have an impact on your superannuation, so, therefore, it kind of has to be factored in, but we're not changing anything. Okay. Yep. Yep. Yep. Now if you can then scroll for me through page seven. Yes. So seven and eight. It's just some some personal information in regards to yourself. If you could just have a quick read over that for me just to make sure that all looks good on both pages or if I need to make any changes in the back end for you. Yep. Let's just have a look. And, obviously, savings, that could obviously fluctuate a little bit since when we Yeah. when we Yep. went No. through Page it, and that's page fine. seven. Yeah.","start_word":917,"end_word":1087,"sentiment":"neutral","sentiment_score":0.03541008461462824},{"text":"Page seven is completely fine. Thank you.","start_word":1088,"end_word":1094,"sentiment":"positive","sentiment_score":0.5369875431060791},{"text":"Yep. Yep.","start_word":1095,"end_word":1096,"sentiment":"neutral","sentiment_score":0.28599849343299866},{"text":"Excellent.","start_word":1097,"end_word":1097,"sentiment":"positive","sentiment_score":0.6131361126899719},{"text":"And yep. Page. Yep. Okay. And yep. Credit card. Yep. Yep.","start_word":1098,"end_word":1108,"sentiment":"neutral","sentiment_score":0.14084970951080322},{"text":"Perfect.","start_word":1109,"end_word":1109,"sentiment":"positive","sentiment_score":0.525824785232544},{"text":"Yep. And page eight Yes. is also fine.","start_word":1110,"end_word":1117,"sentiment":"neutral","sentiment_score":0.22530655562877655},{"text":"Thank you very much. Okay. Great.","start_word":1118,"end_word":1123,"sentiment":"positive","sentiment_score":0.6139925122261047},{"text":"Now underneath that, so page nine, you will see just a summary of your current kind of setup. So like we touched on during the annual review, you obviously have your hub 24 where you have majority of the money. You have a little bit in left in MRSA just to keep those insurances active. You have enough in MRSA at the premium is only about that 439, so we don't need to make any changes there for you. Okay. Yep. Now if you scroll to the next one, it talks a little bit about your risk profile. Can you see that? Okay. Thank you. Yep.","start_word":1124,"end_word":1229,"sentiment":"neutral","sentiment_score":0.16748046875},{"text":"Perfect.","start_word":1230,"end_word":1230,"sentiment":"positive","sentiment_score":0.4065998196601868},{"text":"So when we kind of discussed your risk profile last time, you were previously or at the moment in that high growth portfolio, Mhmm. But we did consider that maybe just reducing it one step down to growth might be a little bit more suitable for you for where, you know, everything is at for you at the moment. It's Yeah. still focusing on growth in your superannuation, though, but it does mean a little bit less kind of fluctuations and that volatility, especially when you don't have those contributions going in for the time Excellent. be. Yep.","start_word":1231,"end_word":1328,"sentiment":"neutral","sentiment_score":0.0457223504781723},{"text":"Perfect.","start_word":1329,"end_word":1329,"sentiment":"positive","sentiment_score":0.38816237449646},{"text":"Now if you can scroll down through page 12 for me, it should be a heading where it says retain your Mercer super, retain hub 24, and change underlying investment. Can you Yes. see that? It does. Yes. Yes. Yes. So, basically, the next couple of pages is quite wordy, so I will let you read over that in your own time. But I do wanna Yep. kind of summarize that The the page you can see now here, it just kinda puts into words as to why the recommendation is aligning with that best interest duty and putting you in a better position. A lot of things that's obviously been factored in through the recommendation is obviously your your personal circumstances, your risk tolerance, you know, time frame, potential capital gains tax with making changes. And when I did do the research, I did consider other super funds for you as well just to see if there's anyone that's more competitive out there in the market for you. There's nothing tying us to have 24 at all if there is someone else that was going to be more competitive. But for the time being, I have recommend staying in hub twenty four.","start_word":1330,"end_word":1532,"sentiment":"neutral","sentiment_score":0.1622606556991051},{"text":"It is still very competitive when it comes to Okay.","start_word":1533,"end_word":1542,"sentiment":"positive","sentiment_score":0.4838799834251404},{"text":"their fees and features and investment choices. Mhmm. I do use hub twenty four for my personal super as well. So for the time being, I have just recommended that we change some of those investments around, but no need to change the super funds. Does that Okay. make sense? It does.","start_word":1543,"end_word":1594,"sentiment":"neutral","sentiment_score":0.23885782063007355},{"text":"Yes. Thank you. Yeah. Perfect.","start_word":1595,"end_word":1599,"sentiment":"positive","sentiment_score":0.44933652877807617},{"text":"Now as you then scroll through, you will see some advantages, some disadvantages, and some risks associated with this recommendation. Yes. But what I usually find is the easiest way to look at it first is if you want to scroll down to page 16 for me. It Yes. should have, like, a big table, and it says fee comparison. It does. Yep. Sorry. This one here might look a little bit messy and messy, but it basically summarizes the recommendation.","start_word":1600,"end_word":1680,"sentiment":"neutral","sentiment_score":0.13389046490192413},{"text":"And I I usually find it's a easier way to kind of look at it, seeing all the numbers and how the the little changes that make a pretty big impact.","start_word":1681,"end_word":1711,"sentiment":"positive","sentiment_score":0.41201329231262207},{"text":"Now if we start start on the current situation, that is the the first kind of versus the current, so kind of like the third or fourth column, it Mhmm. Yeah. says hub twenty four and Mercer. It shows you at the bottom there your current total fees. So what's kind of the total fees for both accounts. It does then also shows the five year rolling average. So the five year rolling average is then the return on the investment combined for both of those portfolios in Okay. a the high growth portfolio. Yep. Now on the recommended side, you can see kind of a similar structure. You can see the balance that stays the same in in hub twenty four. So no changes in regards to kind of the side. We have made changes in regards to Hub twenty four. Okay. So you can basically see that we're just making a couple of investment changes.","start_word":1712,"end_word":1868,"sentiment":"neutral","sentiment_score":0.1451536931429699},{"text":"It is saving you about the difference there, $375 per year in Mhmm. investment fees, which does make a pretty big difference. It does.","start_word":1869,"end_word":1892,"sentiment":"positive","sentiment_score":0.4099840223789215},{"text":"Yes.","start_word":1893,"end_word":1893,"sentiment":"neutral","sentiment_score":0.32430702447891235},{"text":"Yeah. Now the biggest kind of change is then the return on the investment. So this is using the same period, so the same five year rolling average. And that shows you that the the recommended investment portfolio, even though it is reducing your risk exposure, it has actually outperformed your current portfolio by quite a lot when we are Okay.","start_word":1894,"end_word":1954,"sentiment":"positive","sentiment_score":0.4436045885086059},{"text":"looking at that five year period. Yeah. Now when we are looking the reason why we do look at a five year rolling average is because it gives us a little bit more certainty of what has happened in the world and to the portfolio and the market. So, obviously, with investment returns, you can't guarantee anything, but that is why we like to use the five year average. So it's basically using a five year period and dividing that, obviously, by five to give you an average of what it has done on a twelve month basis to kind of show you that. Because if I were to use a twelve month period, depending on when I would have done it, some years, it would have looked like you've won the lottery, whereas other years, not so good depending on, obviously, when that tier period would have been. So using Okay. that kind of a five year average gives us a little bit more certainty. Does that make sense? It does. Yep.","start_word":1955,"end_word":2127,"sentiment":"neutral","sentiment_score":0.14537490904331207},{"text":"Perfect.","start_word":2128,"end_word":2128,"sentiment":"positive","sentiment_score":0.35402053594589233},{"text":"Now at the bottom there, you can see a five and ten year difference. Now, also, this, Nathan, is assuming no contributions. So if in, you know, couple of years, you decide that you go back to work part time or whatever it might be or you're in a financial situation that you want to start making contributions, this will obviously compound and make a bigger difference. But this is assuming no contributions going in. Right. Okay. Yes. So, Because that obviously, is if kind I go of back the current. to work yeah. So if I go back to work in eighteen months to two years' time, those those numbers are not reflective of that. Correct.","start_word":2129,"end_word":2245,"sentiment":"neutral","sentiment_score":0.01886199414730072},{"text":"They will increase because that Yep. obviously means you have more money in, more money to be invested, and then get that return on the investment. So Okay. this is Perfect.","start_word":2246,"end_word":2276,"sentiment":"positive","sentiment_score":0.6270197033882141},{"text":"kind of being conservative of, well, we don't know exactly when you might go back to work. So I'd Mhmm. rather be more conservative and showing, well, at the time being, if you don't go back or you don't make contributions, then it'd still make a a difference for you. Always not as great with not having contributions, but it still makes a difference. And when you do look at, like, the five year difference, it still shows a difference of about 45,000, which is still pretty crazy by just reducing those fees and improving those returns Yes.","start_word":2277,"end_word":2374,"sentiment":"neutral","sentiment_score":0.25073713064193726},{"text":"a little bit for you.","start_word":2375,"end_word":2379,"sentiment":"positive","sentiment_score":0.3722951710224152},{"text":"Okay. Mhmm. Yep. Now the one thing I do wanna let you know is if you look at the top table again where it says fee comparison and you see the balance, and it says the difference of $252. Can you see Yes. that? Yes. Yes. So what this is is that when we do make recommendations on selling investments that have gone up, there will be some capital gains tax paid. Now Okay. that is all within the super environment, so it's not something that you have to pay for, like, directly personally. It's not something you have to declare owing a tax return or anything like that. It's all taken care of within the super environment. But it is something I do wanna let you know that when we do make changes, that will be a little bit of that capital gains tax to come out. Now I've tried to keep it as little as possible for you. Now if, for example, I were to change all of your investments, the capital gains tax would have been about Okay. $1,955. Yeah. Well, So, okay. obviously, trying to reduce that, but at the same time, making sure that we switch out those investments that we may foresee not being the best ones or a little bit higher volatility for you. But we still wanna make sure we do that by still minimizing that capital gains tax for you. Okay.","start_word":2380,"end_word":2619,"sentiment":"neutral","sentiment_score":0.08961795270442963},{"text":"Perfect.","start_word":2620,"end_word":2620,"sentiment":"positive","sentiment_score":0.46810033917427063},{"text":"Yep. But even with the capital gains tax that you save more in fees, and that's just like a one off capital gains tax fee as well. And that's the yearly fee difference between the investments. You will you will save more than that. Okay. I I understand Just that. Yeah. Yeah. That does that make sense so far? It does. Yes. Yeah.","start_word":2621,"end_word":2683,"sentiment":"neutral","sentiment_score":0.11344285451230549},{"text":"Okay. Perfect.","start_word":2684,"end_word":2685,"sentiment":"positive","sentiment_score":0.4979572296142578},{"text":"Now on the next page, so page 17, I have included just a little bit longer time frame for you for your, which obviously stays the same as a comparison, your current hub 24, and then the recommended in hub 24 as well.","start_word":2686,"end_word":2728,"sentiment":"neutral","sentiment_score":0.26584455370903015},{"text":"And Okay. you can see that across all periods, the recommended in hub 24 has outperformed both Mercer and your your current portfolio as well, which is good when we are still Okay.","start_word":2729,"end_word":2761,"sentiment":"positive","sentiment_score":0.48181867599487305},{"text":"considering Mhmm. twelve, three, and five. Yes. Any questions so far? No. No. That makes sense. Nope. Thank you. That makes sense.","start_word":2762,"end_word":2783,"sentiment":"neutral","sentiment_score":0.05212016776204109},{"text":"Perfect.","start_word":2784,"end_word":2784,"sentiment":"positive","sentiment_score":0.35353589057922363},{"text":"Now the next page is another table which can be confusing, which is page 18. Now this essentially highlights the changes in the investments that I have recommended. So, basically, how to look at it, you see your investment name. So that is basically what they're called. You have the kind of special code for Okay. that investment. You then weight, so how much you actually have in that individual investment, what that translates through from a dollar value, and then you have the buy and sell column. So this one here, what is highlighted in red is what I have recommended that we change, that we sell. Okay. What's in black is either what we are keeping in your portfolio or increasing or adding to your portfolio. Does that Okay. make sense? That makes sense. Yeah. Yep. You then have your target weight, so how much we are aiming for in a percentage, and then what that looks like from the dollar value. So at the top, Mercer, that stays the same for those insurances, but underneath it is then what I have recommended that we change. So with your investments, the kind of philosophy of how we structure investments hasn't changed. So we are still using that core and satellite approach to investing. Have you ever heard of that before, Nathan? No. No. So, basically, what it means is that we invest majority of the funds in what we call, like, your core, which basically represents the backbone of the portfolio and are essentially kind of like your your biggest shareholding.","start_word":2785,"end_word":3047,"sentiment":"neutral","sentiment_score":0.085610048484213},{"text":"These are very diversified investment options that have done really well in the past.","start_word":3048,"end_word":3061,"sentiment":"positive","sentiment_score":0.5139328241348267},{"text":"So, Okay. for example, you can see that these are the ones that's the biggest allocation allocated through them. So you can see, for example, at 30%, you have iShares S and P five hundred. Can you see that? I can. Yes. Yeah. So you had already 29.29% in that investment option. It's just kind of rounding it up to 30%. Now this one here is very diversified because it invests in the 500 largest companies listed in The US.","start_word":3062,"end_word":3141,"sentiment":"neutral","sentiment_score":0.17847135663032532},{"text":"So you have a very good exposure to all the big companies like Apple, Microsoft, Amazon.","start_word":3142,"end_word":3157,"sentiment":"positive","sentiment_score":0.3995232284069062},{"text":"Yes. Very diversified of having 500 companies in that one single investment. Okay. That makes sense. Yep. Yeah. Now what we then have another of your core options is what we have changed. So you had before Benelon Australian Equity, which is, like, at the top there where it's, like, the minus 29,000. Yes. That was that one I touched on during the under review that we wanted to look at changing out of that was underperforming. So instead of that one, we've included at the bottom on this table, you say beta shares Australia 200. Can you see that? Yeah. Yes. At 20%. So this one invests in the 200 largest companies listed on the ASX. So in Australia. So you'll have companies like, you know, Commonwealth and BHP and Woolworths, all the big companies. Again, very diversified, but not in The US, here in Australia. Okay. That makes sense. Yes. Yep. Now what you then also have is some of the kind of defensive investments because we wanna increase the exposure to your defensive a little bit. So if you scroll down, this table kind of spills over through two pages. So the next page, you can see gold and then iShares core composite bond. Can you see that? Okay. Yes.","start_word":3158,"end_word":3370,"sentiment":"neutral","sentiment_score":0.08295221626758575},{"text":"Thank you.","start_word":3371,"end_word":3372,"sentiment":"positive","sentiment_score":0.6496013402938843},{"text":"Yeah.","start_word":3373,"end_word":3373,"sentiment":"neutral","sentiment_score":0.29195037484169006},{"text":"So, obviously, you have your gold, which is a very good kind of stable investment investment when there are a bit of market fluctuations. So it's allocating about 10% of your kind of defensive alternative investments to gold, kind of stabilizing a little bit for you.","start_word":3374,"end_word":3419,"sentiment":"positive","sentiment_score":0.5083910226821899},{"text":"And then the 14% at the bottom is, like, your fixed interest, again, to kinda give you that defensive element of limit fluctuations a little bit. Okay. Now if you scroll back up to that table we were on page 18 again, Mhmm. the rest of your investments are kind of what we call your satellite investment. Now what that is is kind of your more dynamic and specialized investments. They kind of target specific sectors or regions or assets to kinda maximize that growth for you. But they can be a little bit more volatile, and that is why they only represent a smaller portion, but Okay. not as much. Yet. So and we've reduced this a little bit for you for because in that high growth, you have a little bit more exposure to those satellite investments. In the Mhmm. growth, you have a little bit less. So you can see, for example, the first one of 5% is the beta share cybersecurity. You already have that one in your portfolio. We're just reducing it down to 5%. Yeah. We Yep. then have 8% in shares Europe. You already have that one again in your investment.","start_word":3420,"end_word":3617,"sentiment":"neutral","sentiment_score":0.1221861094236374},{"text":"It is just kind of increasing at up to eight percent.","start_word":3618,"end_word":3628,"sentiment":"positive","sentiment_score":0.3470493257045746},{"text":"Again, we want to make sure that your portfolio is very diversified and not just dependent on just The US or Australia.","start_word":3629,"end_word":3650,"sentiment":"neutral","sentiment_score":0.25026971101760864},{"text":"We wanna kind of have you spread across the world as well Uh-huh.","start_word":3651,"end_word":3663,"sentiment":"positive","sentiment_score":0.34324008226394653},{"text":"to give you that diversification. Now other investments, you can then see at the bottom of this page, you have 5% added to Japan and then 8% to one investment. That's called your Vanguard All World. You may have heard of Vanguard before. They're Yes. quite big as well. Yes. So that one here is essentially invest in companies all around the globe, but it excludes The US because you already have quite a bit of exposure to The US in that iShares S and P 500. So we also wanna make sure we don't have too much in in one market. So it basically excludes The US, but it basically excludes The US, but invest everywhere else. Okay.","start_word":3664,"end_word":3782,"sentiment":"neutral","sentiment_score":0.06670797629547971},{"text":"Excellent.","start_word":3783,"end_word":3783,"sentiment":"positive","sentiment_score":0.6203436851501465},{"text":"Does that does that make sense? No doubt. Yes.","start_word":3784,"end_word":3792,"sentiment":"neutral","sentiment_score":0.25662359595298767},{"text":"Yeah. Perfect.","start_word":3793,"end_word":3794,"sentiment":"positive","sentiment_score":0.5384845733642578},{"text":"Now if you wanted to go and have a bit of a read over these investments in your in your own time whenever you have a spare moment, In the appendix, I have included investment links to each and every single one of these investments. So there's that full transparency for you that you can click on and have a read over if you would like as well.","start_word":3795,"end_word":3862,"sentiment":"neutral","sentiment_score":0.22496412694454193},{"text":"Okay. Fantastic.","start_word":3863,"end_word":3864,"sentiment":"positive","sentiment_score":0.4977915585041046},{"text":"Yep. Now on the page 19, you can then kind of see a a cash account table. Can you see that? Yes. Yep. So with hub twenty four, you have to have a minimum of 1.25% of the funds in cash just to kind of account for fees and and stuff like that. Now we wanna keep it as close to that 1.25 as possible because, obviously, the cash isn't gonna grow near as much as your investments. So that's basically what this shows that we're trying to aim at as Yep. close to that 1.25 as possible. Okay. Yep. Now the next page shows you the asset allocation. So, again, another table, but it shows you your risk profile first. So you can see that kind of Perfect. 80% of growth, 20 in defensive. It does vary a little bit depending on market fluctuations, but keeping it around that. You can then see your existing. So you can see that currently, you're in 88.72 growth and then 11.28 in defensive. And you can then see that the proposed, you can see, is a little bit higher in those defensive investments and reducing that growth down a little bit for you. Okay. Yes. Yep.","start_word":3865,"end_word":4068,"sentiment":"neutral","sentiment_score":0.09164287149906158},{"text":"Which, again, is very good that the recommended growth has still outperformed your your high growth.","start_word":4069,"end_word":4084,"sentiment":"positive","sentiment_score":0.6069028377532959},{"text":"Because, typically, when we're talking about a longer period of time, we can we tend to see high growth outperforming a little bit, but then you don't have as much fluctuations in the growth.","start_word":4085,"end_word":4118,"sentiment":"neutral","sentiment_score":0.229827344417572},{"text":"But in this instance, it's very good that the portfolio has kind of been targeted for diversification and to limit those fluctuations while still making sure we are targeting growth because we still wanna make sure that your money is working hard for you when you are not contributing. Okay. Perfect.","start_word":4119,"end_word":4169,"sentiment":"positive","sentiment_score":0.5667862892150879},{"text":"Yep. Now the next couple of pages talks about that estate planning. So I will kind of let you have a read over it. It is something I always tell everyone to consider, and I know we talked about it the the during the annual review, but it does talk about setting up a will, the importance of setting up a will. It also talks about power of attorney. So on page 24, it talks about the different types of power of attorney that you can make and, again, the benefits and stuff in regards to making a power of attorney nomination, things to be mindful of. And then you also have in regards to guardian Okay. Mhmm. importance of considering this as well as part of kind of the estate planning if something ever were to happen to you. So that's just basically there for you so you can have a bit of a read over it.","start_word":4170,"end_word":4327,"sentiment":"neutral","sentiment_score":0.1332593858242035},{"text":"Fantastic.","start_word":4328,"end_word":4328,"sentiment":"positive","sentiment_score":0.5504242181777954},{"text":"Now you will then have ongoing services, so page 28, if you can see that. Yes. I can. Yep.","start_word":4329,"end_word":4347,"sentiment":"neutral","sentiment_score":0.1807394027709961},{"text":"Perfect.","start_word":4348,"end_word":4348,"sentiment":"positive","sentiment_score":0.34426143765449524},{"text":"So, again, we kinda touched on this during the annual review, whereas, obviously, we wanna make sure that we always touch base and reassess the advice depending on what is going on for you. So the minimum is obviously the under review where we reassess everything.","start_word":4349,"end_word":4394,"sentiment":"neutral","sentiment_score":0.17572017014026642},{"text":"But if anything changes for you, just let me know because we can definitely do a lot more catch up than just yearly just to make sure, obviously, everything continues to align and, obviously, that you are happy.","start_word":4395,"end_word":4432,"sentiment":"positive","sentiment_score":0.37370437383651733},{"text":"And if you need any other advice or guidance or any anything else, then just just give us a call. Okay. Perfect. Yeah. Perfect. Now the last thing is just then in regards to remuneration, which is page 30. Now like I touched on again during the under review, there is no changes whatsoever in regards to that fee structure. That stays exactly the same at 1.65, and that was factored into those projections I showed you earlier as well. So it still Yep. Oh, okay. shows Yeah. you Yep. yeah.","start_word":4433,"end_word":4523,"sentiment":"neutral","sentiment_score":0.17433509230613708},{"text":"So that shows you everything of making sure that even though you are not contributing, that the return on the investment will outperform, you know, any fees, adviser fees, platform fees, insurances, everything to make sure that everything still continues to grow and move forward for you. Okay. Fantastic. Yep.","start_word":4524,"end_word":4573,"sentiment":"positive","sentiment_score":0.5540184378623962},{"text":"Now like I said again, doing the under review, not a lock in contract. So if at any point in time, things change for you or if you are not happy, it's not like you're locked in to a twelve month period. You can call us whenever you want to if you are not happy or if you wanna reassess Okay. If if for some unknown reason that that did happen, like, you you decided to to anything. pull out, if you ever want to come back again, do you have to go from scratch? Yes. Because so much Or could have changed. And, obviously, because there will be a period of time where, let's say, we are not managing it. But let's say Yep. you were to go, no. I don't want to stay on as a client anymore. But let's say you wanted to roll through Australia, for example, or stay in Hub 24 but manage, obviously, all your investments yourself. Yep. Then what also happens in Hub twenty four is if you don't have an adviser attached to it, they will move you to a different product menu, and you don't have the same kind of selection when it comes to investment. But let's say you wanted to to do that yourself for, let's say, twelve months, then when you kind of if you come back and say, oh, okay. Well, I'm back working, and and everything is you know, I wanna consider all of that for you, then we we couldn't, but we have to reassess everything again. So we would have to do, like, the full onboarding, new applications for everything because we don't really know, obviously, what could have happened to all your investments, your advice, and everything, making sure it stays aligned with you.","start_word":4574,"end_word":4874,"sentiment":"neutral","sentiment_score":-0.06405514478683472},{"text":"I So cannot yes. make sense.","start_word":4875,"end_word":4880,"sentiment":"negative","sentiment_score":-0.39036208391189575},{"text":"Yeah. Yeah. So it's definitely possible. There's no exit fees or anything like that, but it would basically mean if you decide to leave, we'll fees or anything like that, but it would basically mean if you decide to leave, then come back on board. We would have to kind of do everything at the start I as can. well for you. But, yes, you are not locked in at any point in time. So, yeah, if anything changes or you guys decide to move overseas or whatever it might be, it's not like you're locked in at all.","start_word":4881,"end_word":4979,"sentiment":"neutral","sentiment_score":0.04290459835619637},{"text":"Okay. Thank you.","start_word":4980,"end_word":4982,"sentiment":"positive","sentiment_score":0.43863850831985474},{"text":"Yeah. Now, also, obviously, this all part of the ongoing advising. So if you, obviously, take a moment to have a read over it. If you have any questions, let me know. If you do have a read over it and you are happy, to give it a go and see how things are going, it would then be just to sign those documents digitally same as for the under review.","start_word":4983,"end_word":5053,"sentiment":"neutral","sentiment_score":0.2385491281747818},{"text":"It will then automatically send it back to me, and that would let me know that you are happy with the recommendation, and I will let the investment team know.","start_word":5054,"end_word":5083,"sentiment":"positive","sentiment_score":0.4593585729598999},{"text":"There's no additional fees or charges with it, though. So it's not like an additional fees. If you wanted to go ahead with the changes, it is all part of that ongoing advice fee. So Okay. no additional fees and Yep. charges.","start_word":5084,"end_word":5125,"sentiment":"neutral","sentiment_score":0.11811242252588272},{"text":"Awesome.","start_word":5126,"end_word":5126,"sentiment":"positive","sentiment_score":0.5617818832397461},{"text":"Yeah. So I'm just noticed the the hub balance has gone down a couple of thousand dollars since we last spoke. Obviously, a bit of market volatility there. So Yes. that'll all just be like, when you buy and sell those shares, that'll just still equate to those percentages. Is that correct? We're Correct. just at the lower Correct. amount. Yep. Correct. This is why we the balance because things do fluctuate on a Okay. So, yes, even if, let's say let's say, you sign the documents tomorrow and then we were to place a trade the following day and your super has gone up, it's the same. It's all kind of realigned to your balance at the time. Okay. Yeah. No. That that's Yes.","start_word":5127,"end_word":5251,"sentiment":"neutral","sentiment_score":0.0944426879286766},{"text":"that's perfect. Thank you.","start_word":5252,"end_word":5255,"sentiment":"positive","sentiment_score":0.6244817972183228},{"text":"Yeah. And now Well, that's let's a good just question. say let's say hypothetically that I wanted Mhmm. to after I read all this, I went, you know what? Yes. Nah. I'm gonna Yep. transfer to to say Australian Super because that's Yes. the only but I I see ads on TV for them all the time. So I don't know any other super funds. But yeah. And and I did that. Yeah. If I was to to roll over to them, is there any implications to me in terms of, like, fees I would have to pay to Hub or, like, cap like, capital gains and things like that? Like, is there anything that would put me Yes. in a worse off position? Yes. The capital gains tax will be the big one, which would be so in the alternative, if you wanna scroll up to page 15 for me. I think one sec. Six day. Yep. Yep. Yep. Got Alternatives considered. So I did consider other super funds for you, it. Yep. and some were one, the more kind of more competitive was my north, but we also consider, like, all super, and we consider a lot of funds because, Right. again, there's nothing tying us to hub twenty four. But we do research on all the options just to see whatever is best for you. And because, obviously, your super has gone up a bit since you came on board, which is great, the downside is that capital gains tax. So if Yeah. you were to say tomorrow, you go, now I wanna roll out to Australian super, that capital gains tax would be applicable. It would, again, all be within the super environment, but that would be about that 1,955 for the capital gains tax. Yeah. And then you also have, like, brokerage fees to sell investments. There's not, like, exit fees to leave. It would just be in regards to selling down your investments. That would be the thing. But, yeah, capital gains tax is is a big thing that we do consider. Okay. Yep. Yep. Yep. No. Yeah. That that's fine. I just wanted to ask that question. It was it was something Yes. that I was considering, but as I said, Yeah. I I don't know a lot about it. So I didn't wanna just go, oh, that looks good. Just press the button and pop it over there when there might be And implicating.","start_word":5256,"end_word":5667,"sentiment":"neutral","sentiment_score":-0.011171951867386844},{"text":"I'm I'm glad you did because sometimes people might might think they're like, oh, that's it.","start_word":5668,"end_word":5683,"sentiment":"positive","sentiment_score":0.3882913589477539},{"text":"And then it's like, well, let's say if 5,000 came out intact, they go, oh, I didn't know that. I was like, yeah. That's why we do the research for you as well through make Yes. sure at the end of the day, we factor in everything. Yes. No. That's And good. And it's you good know? to know that you Yeah. did actually consider other super funds. So that that was Yes.","start_word":5684,"end_word":5756,"sentiment":"neutral","sentiment_score":0.21565711498260495},{"text":"good. Definitely.","start_word":5757,"end_word":5758,"sentiment":"positive","sentiment_score":0.450472891330719},{"text":"And like I said, that's not to say that forever HubSpot will be the best option because you never know. Like, there could be six months or a year or two years or whatever it might be that another very competitive option comes out that is very cheap, then we would research and consider if that's going to be the best for you. But, again, we would factor in, okay, what are the returns on the investments, what are the fees, what are capital gains? Like, you would factor in kind of a holistic approach before deciding if that is going to be the best, which is kind of where this statement of advice and everything comes into place. It takes a while to obviously put together all the research, but it's through making sure that the recommendations we do make are in best interest for you also puts you in that better position. So it's not just a matter of, oh, okay. We'll just do this. It's a lot that goes in from a compliance point and making sure that you are looked after at the end of the day before we, you know, make a recommendation. And it's the same, like, I can't just tell you straight away, oh, yeah. Do this. We'd have to obviously do all the research and making sure that's the best for you before we can officially be, yes.","start_word":5759,"end_word":5994,"sentiment":"neutral","sentiment_score":0.163237527012825},{"text":"I recommend you do this because of x y zed.","start_word":5995,"end_word":6004,"sentiment":"positive","sentiment_score":0.3743087351322174},{"text":"Yep. No. That makes sense.","start_word":6005,"end_word":6009,"sentiment":"neutral","sentiment_score":0.03167330473661423},{"text":"Perfect.","start_word":6010,"end_word":6010,"sentiment":"positive","sentiment_score":0.47643619775772095},{"text":"Yeah. Now any other questions for me, Nathan? No. No. But you've you've answered them all. No? No. Good. Now I'm sure you're you're busy. So I will leave this document with you. Now take your time. Have a read over it. Like I said, any questions or anything, just give me a call or send me an email, and we can always book in another follow-up to go through it. Otherwise, if you do have a read through it and you are happy with the the recommendation, like I said, to move forward, it would just be to add that signature digitally, and then it will automatically come back to me, and then we will process everything for you.","start_word":6011,"end_word":6130,"sentiment":"neutral","sentiment_score":0.17775164544582367},{"text":"Awesome. Well, thank you very much. No problem at all. Thank you so much for your time today, Nathan, and I hope you enjoy the rest of your afternoon. You too. Thank you.","start_word":6131,"end_word":6163,"sentiment":"positive","sentiment_score":0.7614865303039551},{"text":"Mhmm. No worries. We're fixing. Bye. Bye.","start_word":6164,"end_word":6170,"sentiment":"neutral","sentiment_score":0.22764232754707336}],"average":{"sentiment":"neutral","sentiment_score":0.14033046275713115}}}}