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Mate, I was just giving you a call to run through the updated advice strategy that we put together for you just regarding the the Netwealth and the raised super. If you still have about ten minutes for me. Perfect. Now I've got an email. I'm sending it through to your Gmail account. Now will you better look onto the document with me today, or should I just kind of walk you through it? Perfect. So that should go through pretty quickly. You have used the new system before, so it might it should go through to your main inbox pretty pretty quickly there, and it should be labeled as statement of advice. Cool. And just to let you know, there is a good seven documents that came along with it. Can sometimes be a little bit bigger, but we're just gonna go through the statement of advice today. Most of the other documents are just supplementary product disclosure statements from the funds and just an updated service guide from us. Perfect. Now when you grab that email up, there should be a blue button to sort of begin looking through the documents. It does say sign, but it just lets you scroll through them with me. And you should see a Gold Coast beachfront city picture on the front there. Yep. Now I'm not sure if you're using phone or computer, but can you make out the text there? Is it clear enough to read? No worries at all. And once you get back in there, I just wanna start off on that third and fourth page where we've got the scope of advice headings. Yep. So this advice document focuses primarily on reviewing the portfolio within Hub and also the reopen Ray super account. We have factored in the insurance premiums, but we're not giving insurance advice today. And on the following pages, we're not giving you any estate planning, budgeting, or cash flow, or debt management advice at this time. You're essentially just looking after your own, you know, return to work. You're going through work cover, all that kind of thing, and we're just gonna focus on the super review at this point. Cool. Now if you scroll through, you'll see a limited advice heading just talking about that we're not giving advice on everything under the sun. And if the information isn't accurate, obviously, impacts the recommendations. We've got the about you section after that and your assets and liabilities. But if you keep scrolling down for me at pages ten and eleven, you'll see the risk profile. We're keeping you still in a high growth risk profile at this point. If you remember our conversation, we're basically just doing a bit of an engine tune up on the investments more so than changing your whole category and, again, that consolidation. If you go to pages 12, you'll see a strategy recommendation setting. Quite text heavy, that one. So I just wanted to kind of summarize it for you. Yep. So what we're recommending is obviously to consolidate the reopen raise super account. I had a bit of fun kind of recomparing this one because they've changed their fee structure, their investment menu, their features since you first had it, and I just wanted to make sure it was still in your best interest to close that account back down because you had a pretty good portfolio in there as well. The main things that kind of stood out to me as a difference, just for kind of a bit of a recap, Hub twenty four is a a wrap platform. So it has 1,300 investment options. It gives you access to ETFs, which is what we use for our portfolios to try and get those low investment fees. Raise also does have access to ETFs, and you had a pretty pretty solid portfolio in there that was recreated. It was just leaning quite heavily towards the Australian share market, though. It had a good 50 to 60% in the Aussie market. We couldn't recreate the same portfolio inside there. So there's some ETFs, but it's just not as broad as hub twenty four. The other thing too is they don't have aggregated trading features, which means if someone's buying what you're selling or selling what you're buying, you can actually trade those shares around without paying brokerage fees. They've got a pretty good brokerage fee on Raiz, but it just doesn't have that feature to minimize the cost. The main thing too, if you keep going down, so there's a big table of advantages and disadvantages on thirteen and fourteen. Obviously, consolidating super is gonna be a bit easier to manage rather than having two funds, but I did do a pretty heavy comparison in terms of fees and performance, which I need to show you on page fifteen and sixteen. There's just a couple of tables there to look at. Now when you get to 15, you should see a fee comparison table, and I just wanna kind of bring your attention to the right hand column for the time being, if you can make that out. And it should say, like, current, recommended, and then difference. Yep. So we factored in here any kind of buy sell costs, brokerage fees, and capital gains tax for switching all the investments around because we're gonna update the hub portfolio and also switch across the raise. We've managed to chop the investment fees in half and save a tiny bit on admin fees. Just bear in mind that Rais has a slightly cheaper admin fee for the account itself, but we're managing to get the investment fees quite heavily down and bring the performance back up as well. So we've kind of factored all that in. You'll probably make up the capital gains tax difference within a year or two just in performance and fee savings. So it wasn't that big of an issue that we thought you wouldn't be able to update the investments under the hood, if that makes sense. If it was 7,000 or 12,000 of capital gains tax for your super, that would probably give me a moment to pause. If you go over to the next page, the main figures here. So we've updated a projection for you. Now just bear in mind, this projection for five and ten years, it doesn't factor in contributions at this point just while you're going through the work cover and so on. I've just modeled it on purely fees, taxes, and investment returns. Bit of grain of salt, but I think we should be able to get you at least 50,000 more over the next ten years without any contributions going in. Once they do go back in one day, that'll kick into gear quite faster. But I've put a pretty heavy performance comparison table there for you just showing the portfolio that was in raise, the portfolio that you had in hub, the aggregate of both of them spliced together, and then below that, the new portfolio and hub and then the aggregate across the both. The only difference that I could see there was the one year performance for raise was quite strong. Some of those ETFs that they had were fantastic, but, again, not much difference in three, five, ten years, and all the long term figures. Quick kind of reminder, you wanna be aiming for about 10% or above for a high growth risk profile. So I need to make sure we're getting a consistent double digits across all time periods. If we still continue to get that 11 to 15%, fantastic, but 10 is the benchmark. K? Any questions on that so far? Yep. The last couple of tables here is just the investments table. After that, red heading, page 17, And it basically just shows you all the different ETFs that you have inside raise currently, the ones inside hub, and then the very bottom page is just a few that we're mixing in. I have to kind of replace the bank hybrids term deposits because they're being phased out by the government. There's a property funds that's been doing pretty poorly the last few weeks after the the legislation came in for capital gains tax and negative gearing. So I'm gonna have to switch that one out because the companies there are kind of falling, going under a little bit. We don't wanna hold on to that one. And that Benelon option that was underperforming, we've replaced that with a low fee index fund as well. And towards the bottom? Let's have a look which one's got the Raffi. Sorry. I'm just having a look through all of them there. My computer's lagging. I've got the a 200 there. So, yeah, the pie chart is the asset allocation. The, RAFI Australia 200, that was another, index funds that follows the Aussie market. We're kind of splicing them together into that one a 200, bit lower fees, bit closer performance to the benchmark. For that pie chart, basically, we need between 90 to a 100% growth assets. You're sitting at 93. Once we kind of move everything around, you'll probably be sitting just shy of 94. Not too much of a difference in terms of risk level. K. We've reiterated the advice fees towards the bottom. And as far as implementation goes, if you're comfortable with this strategy and sign off on the consent, we will basically hop online over Friday, do this buy, sells, and trades to switch the investments and send off a rollover request as well. Yep. There really wasn't anything else to sort out. Everything in terms of, you know, state planning and insurances was all looking pretty good. And, obviously, there's a few things we'd like to kind of revisit with you down the line. But is there anything else that I can kind of help with at this point? Yeah. Perfect. Yeah. It's one of those really good opportunities where as we're fixing one bad apple, other things have changed, so we may as well just kind of clean it all up in one go. And, ideally, you'd want a portfolio to have kind of minimal changes over three, five years. Just tweak an option here and there, rebalance it, and so on. Every now and then, the world explodes somewhere and Australia changes its laws, and you've gotta fix it all up in one go. Yeah. And the sad thing about the ETF space for property is that it doesn't invest directly in properties. So even if the market itself is doing well, the property companies tend to do a lot worse, and so we see even bigger drops in the companies than the underlying houses. But we'll get all that fixed up pretty easily. And basically from that point, I will probably pencil in a bit of a catch up with you in the new year just to kind of see how it's played out for the end of the year. Obviously, normal annual review would still apply, but I just wanna make sure that it behaves the way we expect it to, and we don't need to make any further tweaks in the new year. Cool. I will just quickly double check implementation side of things because we've had some new updates to the anti money laundering laws. Just need to make sure I have ID up to date. And I'm just having a look at your ID on file just quickly, which expires. I believe you probably renewed your license maybe a month ago. So what I might do, if it's okay with you, is yeah. I might get Michelle just to to flick through a message on our ID certification phone. And if you could maybe send through a photo clear back and front photo, we can recertify that. And that way, it's up to date on file when we go to implement the advice. Is that okay? Perfect. Anything else I can help with before I let you go, Bevan? Cool. Well, fingers crossed the world settles down a little bit, and we can have some positive news in our next catch up about how the market soared back and the returns are fantastic, or it can remain on fire and we can keep checking that it's doing what it's supposed to. Awesome, mate. Thank you so much for your time, and you'll probably hear from Michelle towards the end of this afternoon. Thanks, man. Have a great day. 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afternoon, Bevan. Tommy here, mate. Thank you so much for calling back in. Mate, I was just giving you a call to run through the updated advice strategy that we put together for you just regarding the the Netwealth and the raised super. If you still have about ten minutes for me.\n\nPerfect. Now I've got an email. I'm sending it through to your Gmail account. Now will you better look onto the document with me today, or should I just kind of walk you through it? Perfect.\n\nSo that should go through pretty quickly. You have used the new system before, so it might it should go through to your main inbox pretty pretty quickly there, and it should be labeled as statement of advice. Cool. And just to let you know, there is a good seven documents that came along with it. Can sometimes be a little bit bigger, but we're just gonna go through the statement of advice today.\n\nMost of the other documents are just supplementary product disclosure statements from the funds and just an updated service guide from us. Perfect. Now when you grab that email up, there should be a blue button to sort of begin looking through the documents. It does say sign, but it just lets you scroll through them with me. And you should see a Gold Coast beachfront city picture on the front there.\n\nYep. Now I'm not sure if you're using phone or computer, but can you make out the text there? Is it clear enough to read? No worries at all. And once you get back in there, I just wanna start off on that third and fourth page where we've got the scope of advice headings.\n\nYep. So this advice document focuses primarily on reviewing the portfolio within Hub and also the reopen Ray super account. We have factored in the insurance premiums, but we're not giving insurance advice today. And on the following pages, we're not giving you any estate planning, budgeting, or cash flow, or debt management advice at this time. You're essentially just looking after your own, you know, return to work.\n\nYou're going through work cover, all that kind of thing, and we're just gonna focus on the super review at this point. Cool. Now if you scroll through, you'll see a limited advice heading just talking about that we're not giving advice on everything under the sun. And if the information isn't accurate, obviously, impacts the recommendations. We've got the about you section after that and your assets and liabilities.\n\nBut if you keep scrolling down for me at pages ten and eleven, you'll see the risk profile. We're keeping you still in a high growth risk profile at this point. If you remember our conversation, we're basically just doing a bit of an engine tune up on the investments more so than changing your whole category and, again, that consolidation. If you go to pages 12, you'll see a strategy recommendation setting. Quite text heavy, that one.\n\nSo I just wanted to kind of summarize it for you. Yep. So what we're recommending is obviously to consolidate the reopen raise super account. I had a bit of fun kind of recomparing this one because they've changed their fee structure, their investment menu, their features since you first had it, and I just wanted to make sure it was still in your best interest to close that account back down because you had a pretty good portfolio in there as well. The main things that kind of stood out to me as a difference, just for kind of a bit of a recap, Hub twenty four is a a wrap platform.\n\nSo it has 1,300 investment options. It gives you access to ETFs, which is what we use for our portfolios to try and get those low investment fees. Raise also does have access to ETFs, and you had a pretty pretty solid portfolio in there that was recreated. It was just leaning quite heavily towards the Australian share market, though. It had a good 50 to 60% in the Aussie market.\n\nWe couldn't recreate the same portfolio inside there. So there's some ETFs, but it's just not as broad as hub twenty four. The other thing too is they don't have aggregated trading features, which means if someone's buying what you're selling or selling what you're buying, you can actually trade those shares around without paying brokerage fees. They've got a pretty good brokerage fee on Raiz, but it just doesn't have that feature to minimize the cost. The main thing too, if you keep going down, so there's a big table of advantages and disadvantages on thirteen and fourteen.\n\nObviously, consolidating super is gonna be a bit easier to manage rather than having two funds, but I did do a pretty heavy comparison in terms of fees and performance, which I need to show you on page fifteen and sixteen. There's just a couple of tables there to look at. Now when you get to 15, you should see a fee comparison table, and I just wanna kind of bring your attention to the right hand column for the time being, if you can make that out. And it should say, like, current, recommended, and then difference. Yep.\n\nSo we factored in here any kind of buy sell costs, brokerage fees, and capital gains tax for switching all the investments around because we're gonna update the hub portfolio and also switch across the raise. We've managed to chop the investment fees in half and save a tiny bit on admin fees. Just bear in mind that Rais has a slightly cheaper admin fee for the account itself, but we're managing to get the investment fees quite heavily down and bring the performance back up as well. So we've kind of factored all that in. You'll probably make up the capital gains tax difference within a year or two just in performance and fee savings.\n\nSo it wasn't that big of an issue that we thought you wouldn't be able to update the investments under the hood, if that makes sense. If it was 7,000 or 12,000 of capital gains tax for your super, that would probably give me a moment to pause. If you go over to the next page, the main figures here. So we've updated a projection for you. Now just bear in mind, this projection for five and ten years, it doesn't factor in contributions at this point just while you're going through the work cover and so on.\n\nI've just modeled it on purely fees, taxes, and investment returns. Bit of grain of salt, but I think we should be able to get you at least 50,000 more over the next ten years without any contributions going in. Once they do go back in one day, that'll kick into gear quite faster. But I've put a pretty heavy performance comparison table there for you just showing the portfolio that was in raise, the portfolio that you had in hub, the aggregate of both of them spliced together, and then below that, the new portfolio and hub and then the aggregate across the both. The only difference that I could see there was the one year performance for raise was quite strong.\n\nSome of those ETFs that they had were fantastic, but, again, not much difference in three, five, ten years, and all the long term figures. Quick kind of reminder, you wanna be aiming for about 10% or above for a high growth risk profile. So I need to make sure we're getting a consistent double digits across all time periods. If we still continue to get that 11 to 15%, fantastic, but 10 is the benchmark. K?\n\nAny questions on that so far? Yep. The last couple of tables here is just the investments table. After that, red heading, page 17, And it basically just shows you all the different ETFs that you have inside raise currently, the ones inside hub, and then the very bottom page is just a few that we're mixing in. I have to kind of replace the bank hybrids term deposits because they're being phased out by the government.\n\nThere's a property funds that's been doing pretty poorly the last few weeks after the the legislation came in for capital gains tax and negative gearing. So I'm gonna have to switch that one out because the companies there are kind of falling, going under a little bit. We don't wanna hold on to that one. And that Benelon option that was underperforming, we've replaced that with a low fee index fund as well. And towards the bottom?\n\nLet's have a look which one's got the Raffi. Sorry. I'm just having a look through all of them there. My computer's lagging. I've got the a 200 there.\n\nSo, yeah, the pie chart is the asset allocation. The, RAFI Australia 200, that was another, index funds that follows the Aussie market. We're kind of splicing them together into that one a 200, bit lower fees, bit closer performance to the benchmark. For that pie chart, basically, we need between 90 to a 100% growth assets. You're sitting at 93.\n\nOnce we kind of move everything around, you'll probably be sitting just shy of 94. Not too much of a difference in terms of risk level. K. We've reiterated the advice fees towards the bottom. And as far as implementation goes, if you're comfortable with this strategy and sign off on the consent, we will basically hop online over Friday, do this buy, sells, and trades to switch the investments and send off a rollover request as well.\n\nYep. There really wasn't anything else to sort out. Everything in terms of, you know, state planning and insurances was all looking pretty good. And, obviously, there's a few things we'd like to kind of revisit with you down the line. But is there anything else that I can kind of help with at this point?\n\nYeah. Perfect. Yeah. It's one of those really good opportunities where as we're fixing one bad apple, other things have changed, so we may as well just kind of clean it all up in one go. And, ideally, you'd want a portfolio to have kind of minimal changes over three, five years.\n\nJust tweak an option here and there, rebalance it, and so on. Every now and then, the world explodes somewhere and Australia changes its laws, and you've gotta fix it all up in one go. Yeah. And the sad thing about the ETF space for property is that it doesn't invest directly in properties. So even if the market itself is doing well, the property companies tend to do a lot worse, and so we see even bigger drops in the companies than the underlying houses.\n\nBut we'll get all that fixed up pretty easily. And basically from that point, I will probably pencil in a bit of a catch up with you in the new year just to kind of see how it's played out for the end of the year. Obviously, normal annual review would still apply, but I just wanna make sure that it behaves the way we expect it to, and we don't need to make any further tweaks in the new year. Cool. I will just quickly double check implementation side of things because we've had some new updates to the anti money laundering laws.\n\nJust need to make sure I have ID up to date. And I'm just having a look at your ID on file just quickly, which expires. I believe you probably renewed your license maybe a month ago. So what I might do, if it's okay with you, is yeah. I might get Michelle just to to flick through a message on our ID certification phone.\n\nAnd if you could maybe send through a photo clear back and front photo, we can recertify that. And that way, it's up to date on file when we go to implement the advice. Is that okay? Perfect. Anything else I can help with before I let you go, Bevan?\n\nCool. Well, fingers crossed the world settles down a little bit, and we can have some positive news in our next catch up about how the market soared back and the returns are fantastic, or it can remain on fire and we can keep checking that it's doing what it's supposed to. Awesome, mate. Thank you so much for your time, and you'll probably hear from Michelle towards the end of this afternoon. Thanks, man.\n\nHave a great day. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Bevan.","start":2.0,"end":3.28,"sentiment":"positive","sentiment_score":0.42489980657895404},{"text":"Tommy here, mate.","start":3.28,"end":3.9199998,"sentiment":"positive","sentiment_score":0.35261232654253644},{"text":"Thank you so much for calling back in.","start":3.9199998,"end":5.62,"sentiment":"positive","sentiment_score":0.7227829173207283},{"text":"Mate, I was just giving you a call to run through the updated advice strategy that we put together for you just regarding the the Netwealth and the raised super.","start":7.44,"end":16.325,"sentiment":"neutral","sentiment_score":0.24620586335659028},{"text":"If you still have about ten minutes for 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it?","start":23.985,"end":28.32,"sentiment":"neutral","sentiment_score":0.1934711489649046},{"text":"Perfect.","start":31.439999,"end":31.92,"sentiment":"positive","sentiment_score":0.5755094885826111}],"sentiment":"neutral","sentiment_score":0.25236533851259285,"num_words":36,"start":20.305,"end":31.92},{"sentences":[{"text":"So that should go through pretty quickly.","start":31.92,"end":34.02,"sentiment":"positive","sentiment_score":0.5016591932092395},{"text":"You have used the new system before, so it might it should go through to your main inbox pretty pretty quickly there, and it should be labeled as statement of advice.","start":34.079998,"end":42.995,"sentiment":"positive","sentiment_score":0.37726204818294895},{"text":"Cool.","start":56.75,"end":56.989998,"sentiment":"positive","sentiment_score":0.46437275409698486},{"text":"And just to let you know, there is a good seven documents that came along with it.","start":56.989998,"end":61.409996,"sentiment":"neutral","sentiment_score":0.24573851332944982},{"text":"Can sometimes be a little bit bigger, but we're just gonna go through the statement of advice today.","start":61.87,"end":67.375,"sentiment":"neutral","sentiment_score":0.15259457752108574}],"sentiment":"neutral","sentiment_score":0.30534280705693606,"num_words":74,"start":31.92,"end":67.375},{"sentences":[{"text":"Most of the other documents are just supplementary product disclosure statements from the funds and just an updated service guide from us.","start":67.375,"end":75.475,"sentiment":"neutral","sentiment_score":0.12214922888035123},{"text":"Perfect.","start":93.925,"end":94.325,"sentiment":"positive","sentiment_score":0.48174551129341125},{"text":"Now when you grab that email up, there should be a blue button to sort of begin looking through the documents.","start":94.325,"end":99.045,"sentiment":"neutral","sentiment_score":0.17705969051236198},{"text":"It does say sign, but it just lets you scroll through them with me.","start":99.045,"end":102.185,"sentiment":"neutral","sentiment_score":0.13918006420135498},{"text":"And you should see a Gold Coast beachfront city picture on the front there.","start":102.965,"end":107.47,"sentiment":"neutral","sentiment_score":0.13188944278018816}],"sentiment":"neutral","sentiment_score":0.14836465479392144,"num_words":72,"start":67.375,"end":107.47},{"sentences":[{"text":"Yep.","start":112.41,"end":112.91,"sentiment":"neutral","sentiment_score":0.06269203126430511},{"text":"Now I'm not sure if you're using phone or computer, but can you make out the text there?","start":113.21,"end":117.21,"sentiment":"neutral","sentiment_score":-0.02097611538031035},{"text":"Is it clear enough to read?","start":117.21,"end":118.665,"sentiment":"neutral","sentiment_score":-0.007421312232812245},{"text":"No worries at all.","start":125.225,"end":126.365,"sentiment":"neutral","sentiment_score":0.0249576885253191},{"text":"And once you get back in there, I just wanna start off on that third and fourth page where we've got the scope of advice headings.","start":135.07999,"end":142.21999,"sentiment":"neutral","sentiment_score":0.07539651327981399}],"sentiment":"neutral","sentiment_score":0.03092243964360519,"num_words":55,"start":112.41,"end":142.21999},{"sentences":[{"text":"Yep.","start":146.28,"end":146.655,"sentiment":"neutral","sentiment_score":-0.017720002681016922},{"text":"So this advice document focuses primarily on reviewing the portfolio within Hub and also the reopen Ray super account.","start":146.895,"end":157.395,"sentiment":"neutral","sentiment_score":0.1558498214734228},{"text":"We have factored in the insurance premiums, but we're not giving insurance advice today.","start":158.255,"end":163.47,"sentiment":"neutral","sentiment_score":-0.26556491905025076},{"text":"And on the following pages, we're not giving you any estate planning, budgeting, or cash flow, or debt management advice at this time.","start":163.93,"end":172.67,"sentiment":"negative","sentiment_score":-0.44093863730845245},{"text":"You're essentially just looking after your own, you know, return to work.","start":173.61,"end":176.985,"sentiment":"neutral","sentiment_score":-0.0026225056499242783}],"sentiment":"neutral","sentiment_score":-0.15866001430844914,"num_words":69,"start":146.28,"end":176.985},{"sentences":[{"text":"You're going through work cover, all that kind of thing, and we're just gonna focus on the super review at this point.","start":176.985,"end":183.165,"sentiment":"neutral","sentiment_score":0.0793127343905243},{"text":"Cool.","start":184.985,"end":185.465,"sentiment":"positive","sentiment_score":0.4007183909416199},{"text":"Now if you scroll through, you'll see a limited advice heading just talking about that we're not giving advice on everything under the sun.","start":185.465,"end":191.79,"sentiment":"neutral","sentiment_score":-0.14123687613755465},{"text":"And if the information isn't accurate, obviously, impacts the recommendations.","start":191.79,"end":195.73,"sentiment":"neutral","sentiment_score":-0.31584049463272096},{"text":"We've got the about you section after that and your assets and liabilities.","start":196.43,"end":200.05,"sentiment":"neutral","sentiment_score":-0.07526803016662598}],"sentiment":"neutral","sentiment_score":-0.07687108311802149,"num_words":70,"start":176.985,"end":200.05},{"sentences":[{"text":"But if you keep scrolling down for me at pages ten and eleven, you'll see the risk profile.","start":201.06999,"end":207.405,"sentiment":"neutral","sentiment_score":-0.14606839997900856},{"text":"We're keeping you still in a high growth risk profile at this point.","start":213.465,"end":217.02,"sentiment":"neutral","sentiment_score":-0.11343135226231355},{"text":"If you remember our conversation, we're basically just doing a bit of an engine tune up on the investments more so than changing your whole category and, again, that consolidation.","start":217.1,"end":226.96,"sentiment":"neutral","sentiment_score":0.049526099239786466},{"text":"If you go to pages 12, you'll see a strategy recommendation setting.","start":227.74,"end":232.08,"sentiment":"neutral","sentiment_score":0.1015194080149134},{"text":"Quite text heavy, that one.","start":232.715,"end":233.83499,"sentiment":"neutral","sentiment_score":0.03735518455505371}],"sentiment":"neutral","sentiment_score":-0.015551884395953936,"num_words":78,"start":201.06999,"end":233.83499},{"sentences":[{"text":"So I just wanted to kind of summarize it for you.","start":233.83499,"end":236.655,"sentiment":"neutral","sentiment_score":0.2075219533660195},{"text":"Yep.","start":239.83499,"end":240.075,"sentiment":"neutral","sentiment_score":0.22816753387451172},{"text":"So what we're recommending is obviously to consolidate the reopen raise super account.","start":240.075,"end":245.15,"sentiment":"neutral","sentiment_score":0.3315313710616185},{"text":"I had a bit of fun kind of recomparing this one because they've changed their fee structure, their investment menu, their features since you first had it, and I just wanted to make sure it was still in your best interest to close that account back down because you had a pretty good portfolio in there as well.","start":245.37,"end":262.825,"sentiment":"neutral","sentiment_score":0.27121182259750265},{"text":"The main things that kind of stood out to me as a difference, just for kind of a bit of a recap, Hub twenty four is a a wrap platform.","start":263.20502,"end":272.105,"sentiment":"neutral","sentiment_score":0.24204918493827185}],"sentiment":"neutral","sentiment_score":0.2638281248097794,"num_words":113,"start":233.83499,"end":272.105},{"sentences":[{"text":"So it has 1,300 investment options.","start":272.405,"end":275.05,"sentiment":"neutral","sentiment_score":0.27219683676958084},{"text":"It gives you access to ETFs, which is what we use for our portfolios to try and get those low investment fees.","start":275.05,"end":280.91,"sentiment":"neutral","sentiment_score":0.3138266029683026},{"text":"Raise also does have access to ETFs, and you had a pretty pretty solid portfolio in there that was recreated.","start":281.44998,"end":287.31,"sentiment":"positive","sentiment_score":0.5297332003712654},{"text":"It was just leaning quite heavily towards the Australian share market, though.","start":287.93,"end":292.53497,"sentiment":"neutral","sentiment_score":0.22367520009477934},{"text":"It had a good 50 to 60% in the Aussie market.","start":292.835,"end":296.215,"sentiment":"positive","sentiment_score":0.3862146491354162}],"sentiment":"positive","sentiment_score":0.367105546971442,"num_words":71,"start":272.405,"end":296.215},{"sentences":[{"text":"We couldn't recreate the same portfolio inside there.","start":296.35498,"end":300.19498,"sentiment":"neutral","sentiment_score":0.10662030056118965},{"text":"So there's some ETFs, but it's just not as broad as hub twenty four.","start":300.19498,"end":303.735,"sentiment":"neutral","sentiment_score":0.13584879785776138},{"text":"The other thing too is they don't have aggregated trading features, which means if someone's buying what you're selling or selling what you're buying, you can actually trade those shares around without paying brokerage fees.","start":304.53,"end":316.755,"sentiment":"neutral","sentiment_score":0.18397192848580224},{"text":"They've got a pretty good brokerage fee on Raiz, but it just doesn't have that feature to minimize the cost.","start":317.715,"end":322.535,"sentiment":"positive","sentiment_score":0.3771440710872412},{"text":"The main thing too, if you keep going down, so there's a big table of advantages and disadvantages on thirteen and fourteen.","start":324.835,"end":331.255,"sentiment":"neutral","sentiment_score":-0.0760491258380088}],"sentiment":"neutral","sentiment_score":0.15215821944252408,"num_words":99,"start":296.35498,"end":331.255},{"sentences":[{"text":"Obviously, consolidating super is gonna be a bit easier to manage rather than having two funds, but I did do a pretty heavy comparison in terms of fees and performance, which I need to show you on page fifteen and sixteen.","start":332.15,"end":345.555,"sentiment":"neutral","sentiment_score":0.18515242472654436},{"text":"There's just a couple of tables there to look at.","start":345.555,"end":347.895,"sentiment":"neutral","sentiment_score":0.15190202444791795},{"text":"Now when you get to 15, you should see a fee comparison table, and I just wanna kind of bring your attention to the right hand column for the time being, if you can make that out.","start":351.955,"end":360.84,"sentiment":"neutral","sentiment_score":0.12746367402173378},{"text":"And it should say, like, current, recommended, and then difference.","start":364.82,"end":368.34,"sentiment":"neutral","sentiment_score":0.07856091670691967},{"text":"Yep.","start":368.34,"end":368.84,"sentiment":"neutral","sentiment_score":-0.040467578917741776}],"sentiment":"neutral","sentiment_score":0.1471875473254859,"num_words":99,"start":332.15,"end":368.84},{"sentences":[{"text":"So we factored in here any kind of buy sell costs, brokerage fees, and capital gains tax for switching all the investments around because we're gonna update the hub portfolio and also switch across the raise.","start":369.06,"end":381.92502,"sentiment":"neutral","sentiment_score":0.16028098151501682},{"text":"We've managed to chop the investment fees in half and save a tiny bit on admin fees.","start":382.785,"end":388.11,"sentiment":"positive","sentiment_score":0.43441220066126657},{"text":"Just bear in mind that Rais has a slightly cheaper admin fee for the account itself, but we're managing to get the investment fees quite heavily down and bring the performance back up as well.","start":388.27,"end":398.93,"sentiment":"positive","sentiment_score":0.49439630678721835},{"text":"So we've kind of factored all that in.","start":399.22998,"end":401.175,"sentiment":"positive","sentiment_score":0.34193646907806396},{"text":"You'll probably make up the capital gains tax difference within a year or two just in performance and fee savings.","start":401.41498,"end":407.995,"sentiment":"neutral","sentiment_score":0.3175829492509365}],"sentiment":"positive","sentiment_score":0.34091503638774157,"num_words":116,"start":369.06,"end":407.995},{"sentences":[{"text":"So it wasn't that big of an issue that we thought you wouldn't be able to update the investments under the hood, if that makes sense.","start":408.13498,"end":415.62,"sentiment":"neutral","sentiment_score":0.03585231648041652},{"text":"If it was 7,000 or 12,000 of capital gains tax for your super, that would probably give me a moment to pause.","start":416.82,"end":423.24,"sentiment":"neutral","sentiment_score":-0.03486555806276473},{"text":"If you go over to the next page, the main figures here.","start":426.66,"end":429.3,"sentiment":"neutral","sentiment_score":0.06821860279887915},{"text":"So we've updated a projection for you.","start":429.3,"end":432.20502,"sentiment":"neutral","sentiment_score":0.10598616621323995},{"text":"Now just bear in mind, this projection for five and ten years, it doesn't factor in contributions at this point just while you're going through the work cover and so on.","start":432.20502,"end":440.765,"sentiment":"neutral","sentiment_score":0.058407827731101744}],"sentiment":"neutral","sentiment_score":0.036084561304626415,"num_words":98,"start":408.13498,"end":440.765},{"sentences":[{"text":"I've just modeled it on purely fees, taxes, and investment returns.","start":440.765,"end":445.665,"sentiment":"neutral","sentiment_score":0.1562510667876764},{"text":"Bit of grain of salt, but I think we should be able to get you at least 50,000 more over the next ten years without any contributions going in.","start":447.0,"end":454.86,"sentiment":"neutral","sentiment_score":0.22612235695123672},{"text":"Once they do go back in one day, that'll kick into gear quite faster.","start":454.91998,"end":459.34,"sentiment":"positive","sentiment_score":0.33485240808555056},{"text":"But I've put a pretty heavy performance comparison table there for you just showing the portfolio that was in raise, the portfolio that you had in hub, the aggregate of both of them spliced together, and then below that, the new portfolio and hub and then the aggregate across the both.","start":459.735,"end":477.86,"sentiment":"neutral","sentiment_score":0.18616956881448335},{"text":"The only difference that I could see there was the one year performance for raise was quite strong.","start":479.03998,"end":484.09998,"sentiment":"neutral","sentiment_score":0.25802291101879543}],"sentiment":"neutral","sentiment_score":0.22035206672621938,"num_words":123,"start":440.765,"end":484.09998},{"sentences":[{"text":"Some of those ETFs that they had were fantastic, but, again, not much difference in three, five, ten years, and all the long term figures.","start":484.47998,"end":492.46503,"sentiment":"neutral","sentiment_score":0.06504818588495255},{"text":"Quick kind of reminder, you wanna be aiming for about 10% or above for a high growth risk profile.","start":493.80502,"end":500.225,"sentiment":"neutral","sentiment_score":0.11261635254088201},{"text":"So I need to make sure we're getting a consistent double digits across all time periods.","start":500.34,"end":504.52,"sentiment":"neutral","sentiment_score":0.2675651889294386},{"text":"If we still continue to get that 11 to 15%, fantastic, but 10 is the benchmark.","start":504.82,"end":509.8,"sentiment":"positive","sentiment_score":0.4145079292356968},{"text":"K?","start":512.18,"end":512.68,"sentiment":"neutral","sentiment_score":0.07184317708015442}],"sentiment":"neutral","sentiment_score":0.19157049887172586,"num_words":77,"start":484.47998,"end":512.68},{"sentences":[{"text":"Any questions on that so far?","start":513.275,"end":515.05505,"sentiment":"neutral","sentiment_score":0.08080986700952053},{"text":"Yep.","start":519.35504,"end":519.85504,"sentiment":"neutral","sentiment_score":0.10176877677440643},{"text":"The last couple of tables here is just the investments table.","start":520.23505,"end":523.61505,"sentiment":"neutral","sentiment_score":0.048421056771820244},{"text":"After that, red heading, page 17, And it basically just shows you all the different ETFs that you have inside raise currently, the ones inside hub, and then the very bottom page is just a few that we're mixing in.","start":524.23505,"end":536.9,"sentiment":"neutral","sentiment_score":0.03355463724583387},{"text":"I have to kind of replace the bank hybrids term deposits because they're being phased out by the government.","start":537.6,"end":543.455,"sentiment":"neutral","sentiment_score":-0.07683031104112927}],"sentiment":"neutral","sentiment_score":0.013008690693161705,"num_words":77,"start":513.275,"end":543.455},{"sentences":[{"text":"There's a property funds that's been doing pretty poorly the last few weeks after the the legislation came in for capital gains tax and negative gearing.","start":543.91504,"end":553.675,"sentiment":"neutral","sentiment_score":-0.24419612895983916},{"text":"So I'm gonna have to switch that one out because the companies there are kind of falling, going under a little bit.","start":553.675,"end":558.91003,"sentiment":"neutral","sentiment_score":-0.16699837419119748},{"text":"We don't wanna hold on to that one.","start":558.91003,"end":560.53,"sentiment":"neutral","sentiment_score":-0.20709666423499584},{"text":"And that Benelon option that was underperforming, we've replaced that with a low fee index fund as well.","start":561.23,"end":567.49,"sentiment":"neutral","sentiment_score":-0.06653286257965697},{"text":"And towards the bottom?","start":574.685,"end":575.905,"sentiment":"neutral","sentiment_score":-0.002041195286437869}],"sentiment":"neutral","sentiment_score":-0.1651999129054065,"num_words":78,"start":543.91504,"end":575.905},{"sentences":[{"text":"Let's have a look which one's got the Raffi.","start":584.22003,"end":588.16003,"sentiment":"neutral","sentiment_score":0.0050222228811536394},{"text":"Sorry.","start":588.22003,"end":588.46,"sentiment":"neutral","sentiment_score":-0.062072236090898514},{"text":"I'm just having a look through all of them there.","start":588.46,"end":589.98004,"sentiment":"neutral","sentiment_score":-0.06627266593277455},{"text":"My computer's lagging.","start":589.98004,"end":591.44,"sentiment":"neutral","sentiment_score":-0.2331489771604538},{"text":"I've got the a 200 there.","start":591.74005,"end":593.52,"sentiment":"neutral","sentiment_score":-0.10111160824696223}],"sentiment":"neutral","sentiment_score":-0.0684729472569447,"num_words":29,"start":584.22003,"end":593.52},{"sentences":[{"text":"So, yeah, the pie chart is the asset allocation.","start":603.755,"end":608.495,"sentiment":"neutral","sentiment_score":0.008678918600910239},{"text":"The, RAFI Australia 200, that was another, index funds that follows the Aussie market.","start":609.08,"end":615.64,"sentiment":"neutral","sentiment_score":0.01299089113516467},{"text":"We're kind of splicing them together into that one a 200, bit lower fees, bit closer performance to the benchmark.","start":615.64,"end":622.15497,"sentiment":"neutral","sentiment_score":0.23834431543946266},{"text":"For that pie chart, basically, we need between 90 to a 100% growth assets.","start":625.015,"end":629.575,"sentiment":"neutral","sentiment_score":0.14874098396727017},{"text":"You're sitting at 93.","start":629.575,"end":631.035,"sentiment":"neutral","sentiment_score":0.10201175510883331}],"sentiment":"neutral","sentiment_score":0.12323425980437486,"num_words":61,"start":603.755,"end":631.035},{"sentences":[{"text":"Once we kind of move everything around, you'll probably be sitting just shy of 94.","start":631.175,"end":635.16,"sentiment":"neutral","sentiment_score":0.07871297126015027},{"text":"Not too much of a difference in terms of risk level.","start":635.95996,"end":638.37994,"sentiment":"neutral","sentiment_score":-0.07276542654091661},{"text":"K.","start":641.87994,"end":642.37994,"sentiment":"neutral","sentiment_score":0.07782544940710068},{"text":"We've reiterated the advice fees towards the bottom.","start":643.0,"end":646.06,"sentiment":"neutral","sentiment_score":0.1896285954862833},{"text":"And as far as implementation goes, if you're comfortable with this strategy and sign off on the consent, we will basically hop online over Friday, do this buy, sells, and trades to switch the investments and send off a rollover request as well.","start":646.12,"end":661.475,"sentiment":"neutral","sentiment_score":0.19983728559211242}],"sentiment":"neutral","sentiment_score":0.1354888765475689,"num_words":78,"start":631.175,"end":661.475},{"sentences":[{"text":"Yep.","start":663.615,"end":664.115,"sentiment":"neutral","sentiment_score":0.24774383008480072},{"text":"There really wasn't anything else to sort out.","start":665.64,"end":667.48004,"sentiment":"neutral","sentiment_score":0.14107787143439054},{"text":"Everything in terms of, you know, state planning and insurances was all looking pretty good.","start":667.48004,"end":671.64,"sentiment":"positive","sentiment_score":0.4800873061021169},{"text":"And, obviously, there's a few things we'd like to kind of revisit with you down the line.","start":671.64,"end":675.5,"sentiment":"neutral","sentiment_score":0.2043858924332787},{"text":"But is there anything else that I can kind of help with at this point?","start":676.36,"end":679.365,"sentiment":"neutral","sentiment_score":0.11912843187650045}],"sentiment":"neutral","sentiment_score":0.24712791147508792,"num_words":56,"start":663.615,"end":679.365},{"sentences":[{"text":"Yeah.","start":694.885,"end":695.28,"sentiment":"positive","sentiment_score":0.34361547231674194},{"text":"Perfect.","start":695.52,"end":695.76,"sentiment":"positive","sentiment_score":0.5722477436065674},{"text":"Yeah.","start":695.76,"end":696.16003,"sentiment":"positive","sentiment_score":0.43317168951034546},{"text":"It's one of those really good opportunities where as we're fixing one bad apple, other things have changed, so we may as well just kind of clean it all up in one go.","start":696.16003,"end":704.66003,"sentiment":"positive","sentiment_score":0.3850906721570275},{"text":"And, ideally, you'd want a portfolio to have kind of minimal changes over three, five years.","start":704.88,"end":710.08,"sentiment":"neutral","sentiment_score":0.289676402695477}],"sentiment":"positive","sentiment_score":0.35945864480275375,"num_words":52,"start":694.885,"end":710.08},{"sentences":[{"text":"Just tweak an option here and there, rebalance it, and so on.","start":710.08,"end":713.485,"sentiment":"neutral","sentiment_score":0.21704504763086638},{"text":"Every now and then, the world explodes somewhere and Australia changes its laws, and you've gotta fix it all up in one go.","start":713.865,"end":719.805,"sentiment":"neutral","sentiment_score":0.05637415925688718},{"text":"Yeah.","start":734.28,"end":734.68005,"sentiment":"neutral","sentiment_score":-0.12062517553567886},{"text":"And the sad thing about the ETF space for property is that it doesn't invest directly in properties.","start":734.68005,"end":740.415,"sentiment":"neutral","sentiment_score":-0.3110186118218634},{"text":"So even if the market itself is doing well, the property companies tend to do a lot worse, and so we see even bigger drops in the companies than the underlying houses.","start":740.715,"end":749.64,"sentiment":"negative","sentiment_score":-0.37792414240539074}],"sentiment":"neutral","sentiment_score":-0.16176030826538282,"num_words":86,"start":710.08,"end":749.64},{"sentences":[{"text":"But we'll get all that fixed up pretty easily.","start":752.92004,"end":755.02,"sentiment":"neutral","sentiment_score":0.2077478567759196},{"text":"And basically from that point, I will probably pencil in a bit of a catch up with you in the new year just to kind of see how it's played out for the end of the year.","start":755.4,"end":764.94,"sentiment":"neutral","sentiment_score":0.12884701365554654},{"text":"Obviously, normal annual review would still apply, but I just wanna make sure that it behaves the way we expect it to, and we don't need to make any further tweaks in the new year.","start":766.155,"end":775.53503,"sentiment":"neutral","sentiment_score":0.1520466163754463},{"text":"Cool.","start":778.315,"end":778.74,"sentiment":"positive","sentiment_score":0.3781944513320923},{"text":"I will just quickly double check implementation side of things because we've had some new updates to the anti money laundering laws.","start":778.98,"end":787.06,"sentiment":"neutral","sentiment_score":0.2828908515247432}],"sentiment":"neutral","sentiment_score":0.1784662978293804,"num_words":104,"start":752.92004,"end":787.06},{"sentences":[{"text":"Just need to make sure I have ID up to date.","start":787.06,"end":790.92,"sentiment":"neutral","sentiment_score":0.1369840292768045},{"text":"And I'm just having a look at your ID on file just quickly, which expires.","start":790.98,"end":795.57495,"sentiment":"neutral","sentiment_score":0.12178205599387487},{"text":"I believe you probably renewed your license maybe a month ago.","start":797.95496,"end":801.415,"sentiment":"neutral","sentiment_score":0.05190338160503994},{"text":"So what I might do, if it's okay with you, is yeah.","start":806.48004,"end":812.48004,"sentiment":"neutral","sentiment_score":0.13981659524142742},{"text":"I might get Michelle just to to flick through a message on our ID certification phone.","start":812.48004,"end":817.86005,"sentiment":"neutral","sentiment_score":0.1856437991373241}],"sentiment":"neutral","sentiment_score":0.13157834290311887,"num_words":65,"start":787.06,"end":817.86005},{"sentences":[{"text":"And if you could maybe send through a photo clear back and front photo, we can recertify that.","start":818.08,"end":823.575,"sentiment":"neutral","sentiment_score":0.17119859158992767},{"text":"And that way, it's up to date on file when we go to implement the advice.","start":823.575,"end":827.355,"sentiment":"neutral","sentiment_score":0.22260091174393892},{"text":"Is that okay?","start":828.695,"end":829.435,"sentiment":"neutral","sentiment_score":0.2049142668644587},{"text":"Perfect.","start":831.575,"end":832.075,"sentiment":"positive","sentiment_score":0.5363813042640686},{"text":"Anything else I can help with before I let you go, Bevan?","start":832.76996,"end":835.11,"sentiment":"neutral","sentiment_score":0.21842624247074127}],"sentiment":"neutral","sentiment_score":0.20830856502056122,"num_words":50,"start":818.08,"end":835.11},{"sentences":[{"text":"Cool.","start":838.37,"end":838.69,"sentiment":"positive","sentiment_score":0.7077267169952393},{"text":"Well, fingers crossed the world settles down a little bit, and we can have some positive news in our next catch up about how the market soared back and the returns are fantastic, or it can remain on fire and we can keep checking that it's doing what it's supposed to.","start":838.69,"end":853.105,"sentiment":"positive","sentiment_score":0.5039685394834069},{"text":"Awesome, mate.","start":855.64496,"end":856.20496,"sentiment":"positive","sentiment_score":0.7831870317459106},{"text":"Thank you so much for your time, and you'll probably hear from Michelle towards the end of this afternoon.","start":856.20496,"end":861.44293,"sentiment":"positive","sentiment_score":0.6887603119799965},{"text":"Thanks, man.","start":863.7429,"end":864.38293,"sentiment":"positive","sentiment_score":0.7360177636146545}],"sentiment":"positive","sentiment_score":0.5671330366532008,"num_words":75,"start":838.37,"end":864.38293},{"sentences":[{"text":"Have a great day.","start":864.38293,"end":865.3629,"sentiment":"positive","sentiment_score":0.7496746331453323},{"text":"Bye.","start":867.1829,"end":867.6829,"sentiment":"neutral","sentiment_score":-0.09883913397789}],"sentiment":"positive","sentiment_score":0.5799718797206879,"num_words":5,"start":864.38293,"end":867.6829}]}}]},{"alternatives":[{"transcript":"No worries. Yep. Yeah. I'll be able to have a look. Yep. I heard it come through. Yes. Yep. Wait a second. I just went back. It's calling you. It's got an advanced headwinds. Yep. Mhmm. Yep. Yep. Yep. Yep. Yep. Yep. No worries. Yep. Yep. What are the differences? Yep. Yes. Yep. Mhmm. Mhmm. Yep. Yeah. You know, it's really self explanatory. Yep. What's the the the base shares? The yeah. The Ruffy r f one. Yeah. The Us Us 200. There's an what I'm saying should be before the pie chart. Okay. Yep. Okay. Yep. No. No. This is all looking pretty good. You guys are on top of all the all the moving with the new registrations coming through, which is I had planned on calling and asking, but, yeah, that's how the interview before then. So that's what. Yeah. I got it. Yeah. I was about to say, like, that's that's usually the case that when you have a major legislation change, and I know that I had quite a bit of at least the, you know, the ST stuff was all, like, property based in Australia. 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headwinds.","start":143.46,"end":145.08,"sentiment":"neutral","sentiment_score":-0.08249884843826294},{"text":"Yep.","start":145.38,"end":145.88,"sentiment":"neutral","sentiment_score":0.03440041467547417},{"text":"Mhmm.","start":158.225,"end":158.725,"sentiment":"neutral","sentiment_score":-0.05450325459241867},{"text":"Yep.","start":173.41,"end":173.91,"sentiment":"neutral","sentiment_score":-0.0015385821461677551}],"sentiment":"neutral","sentiment_score":-0.038654099641875786,"num_words":11,"start":124.94,"end":173.91},{"sentences":[{"text":"Yep.","start":183.645,"end":184.145,"sentiment":"neutral","sentiment_score":0.25673121213912964},{"text":"Yep.","start":211.78,"end":212.28,"sentiment":"neutral","sentiment_score":0.019636038690805435},{"text":"Yep.","start":221.935,"end":222.435,"sentiment":"neutral","sentiment_score":0.10270358622074129},{"text":"Yep.","start":238.11,"end":238.51001,"sentiment":"neutral","sentiment_score":0.17218491435050964},{"text":"Yep.","start":238.51001,"end":238.83,"sentiment":"neutral","sentiment_score":0.15519407391548157}],"sentiment":"neutral","sentiment_score":0.14128996506333352,"num_words":5,"start":183.645,"end":238.83},{"sentences":[{"text":"No worries.","start":238.83,"end":239.49,"sentiment":"neutral","sentiment_score":0.18399061262607574},{"text":"Yep.","start":281.515,"end":282.015,"sentiment":"positive","sentiment_score":0.34384095668792725},{"text":"Yep.","start":323.51,"end":324.01,"sentiment":"neutral","sentiment_score":0.18891632556915283},{"text":"What are the differences?","start":366.305,"end":367.205,"sentiment":"neutral","sentiment_score":0.018521428108215332},{"text":"Yep.","start":416.665,"end":417.165,"sentiment":"neutral","sentiment_score":0.12517109513282776}],"sentiment":"neutral","sentiment_score":0.12222170167499119,"num_words":9,"start":238.83,"end":417.165},{"sentences":[{"text":"Yes.","start":425.47,"end":425.97,"sentiment":"neutral","sentiment_score":0.06806904077529907},{"text":"Yep.","start":446.475,"end":446.975,"sentiment":"neutral","sentiment_score":0.2088022828102112},{"text":"Mhmm.","start":473.255,"end":473.755,"sentiment":"neutral","sentiment_score":0.1087360605597496},{"text":"Mhmm.","start":485.19,"end":485.69,"sentiment":"neutral","sentiment_score":0.02443525195121765},{"text":"Yep.","start":501.185,"end":501.685,"sentiment":"neutral","sentiment_score":0.27366912364959717}],"sentiment":"neutral","sentiment_score":0.13674235194921494,"num_words":5,"start":425.47,"end":501.685},{"sentences":[{"text":"Yeah.","start":510.88,"end":511.38,"sentiment":"neutral","sentiment_score":0.11050672829151154},{"text":"You know, it's really self explanatory.","start":516.08,"end":518.66,"sentiment":"neutral","sentiment_score":0.1155786154170831},{"text":"Yep.","start":554.555,"end":555.055,"sentiment":"neutral","sentiment_score":-0.11757230758666992},{"text":"What's the the the base shares?","start":570.05005,"end":571.99005,"sentiment":"neutral","sentiment_score":0.0005840118489383409},{"text":"The yeah.","start":574.77,"end":576.69,"sentiment":"neutral","sentiment_score":-0.00319420313462615}],"sentiment":"neutral","sentiment_score":0.042720111126982374,"num_words":16,"start":510.88,"end":576.69},{"sentences":[{"text":"The Ruffy r f one.","start":576.69,"end":582.11505,"sentiment":"neutral","sentiment_score":0.0020070455968379973},{"text":"Yeah.","start":594.13,"end":594.29,"sentiment":"neutral","sentiment_score":-0.01785106770694256},{"text":"The Us Us 200.","start":594.29,"end":595.99,"sentiment":"neutral","sentiment_score":-0.014029213227331638},{"text":"There's an what I'm saying should be before the pie chart.","start":597.89,"end":604.47,"sentiment":"neutral","sentiment_score":-0.031474403105676174},{"text":"Okay.","start":623.24,"end":623.74,"sentiment":"neutral","sentiment_score":0.14263616502285004}],"sentiment":"neutral","sentiment_score":-0.012159770989621227,"num_words":22,"start":576.69,"end":623.74},{"sentences":[{"text":"Yep.","start":639.29504,"end":639.79504,"sentiment":"neutral","sentiment_score":0.09391941875219344},{"text":"Okay.","start":662.23,"end":662.62994,"sentiment":"neutral","sentiment_score":0.1331101953983307},{"text":"Yep.","start":662.62994,"end":663.12994,"sentiment":"neutral","sentiment_score":0.1626841425895691},{"text":"No.","start":680.8,"end":680.95996,"sentiment":"neutral","sentiment_score":-0.05380043759942055},{"text":"No.","start":680.95996,"end":681.27997,"sentiment":"neutral","sentiment_score":-0.005046464502811432}],"sentiment":"neutral","sentiment_score":0.06617337092757225,"num_words":5,"start":639.29504,"end":681.27997},{"sentences":[{"text":"This is all looking pretty good.","start":681.27997,"end":683.04,"sentiment":"neutral","sentiment_score":0.2960795909166336},{"text":"You guys are on top of all the all the moving with the new registrations coming through, which is I had planned on calling and asking, but, yeah, that's how the interview before then.","start":683.04,"end":692.72,"sentiment":"neutral","sentiment_score":0.17815552290309877},{"text":"So that's what.","start":692.72,"end":694.1,"sentiment":"neutral","sentiment_score":0.07139654209216435},{"text":"Yeah.","start":716.76,"end":717.0,"sentiment":"neutral","sentiment_score":0.039875712245702744},{"text":"I got it.","start":717.0,"end":717.82,"sentiment":"neutral","sentiment_score":-0.0064742788672447205}],"sentiment":"neutral","sentiment_score":0.17166825161969407,"num_words":47,"start":681.27997,"end":717.82},{"sentences":[{"text":"Yeah.","start":720.12,"end":720.36,"sentiment":"neutral","sentiment_score":-0.019648712128400803},{"text":"I was about to say, like, that's that's usually the case that when you have a major legislation change, and I know that I had quite a bit of at least the, you know, the ST stuff was all, like, property based in Australia.","start":720.36,"end":731.115,"sentiment":"neutral","sentiment_score":-0.10144718270748854},{"text":"And I'm like, oh, that's not good because it was good before.","start":731.115,"end":733.295,"sentiment":"neutral","sentiment_score":-0.2839997385938962},{"text":"Yeah.","start":750.58997,"end":751.08997,"sentiment":"neutral","sentiment_score":-0.0050225630402565},{"text":"Yes.","start":804.27,"end":804.77,"sentiment":"neutral","sentiment_score":0.09802359342575072}],"sentiment":"neutral","sentiment_score":-0.13217492515252807,"num_words":59,"start":720.12,"end":804.77},{"sentences":[{"text":"Yes.","start":808.83,"end":809.23004,"sentiment":"neutral","sentiment_score":0.1410486400127411},{"text":"New lessons due possible.","start":809.23004,"end":810.45,"sentiment":"neutral","sentiment_score":0.156192259863019},{"text":"Yep.","start":828.21,"end":828.71,"sentiment":"neutral","sentiment_score":0.16543444991111755},{"text":"Yeah.","start":829.97003,"end":830.21,"sentiment":"neutral","sentiment_score":0.19302919507026672},{"text":"No worries.","start":830.21,"end":830.87,"sentiment":"neutral","sentiment_score":0.2962102070450783}],"sentiment":"neutral","sentiment_score":0.19074463761515087,"num_words":9,"start":808.83,"end":830.87},{"sentences":[{"text":"Yeah.","start":836.21,"end":836.53,"sentiment":"neutral","sentiment_score":0.06260402500629425},{"text":"No.","start":836.53,"end":836.85004,"sentiment":"neutral","sentiment_score":0.016980869695544243},{"text":"I'm good with that.","start":836.85004,"end":837.83,"sentiment":"positive","sentiment_score":0.7572174519300461},{"text":"Yep.","start":852.66,"end":853.16,"sentiment":"positive","sentiment_score":0.38566526770591736},{"text":"Yep.","start":862.18,"end":862.5,"sentiment":"neutral","sentiment_score":0.30476710200309753}],"sentiment":"positive","sentiment_score":0.4748608840163797,"num_words":8,"start":836.21,"end":862.5},{"sentences":[{"text":"No problem.","start":862.5,"end":863.16,"sentiment":"positive","sentiment_score":0.4801296591758728}],"sentiment":"positive","sentiment_score":0.4801296591758728,"num_words":2,"start":862.5,"end":863.16}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Good afternoon, Bevan. Tommy here, mate. Thank you so much for calling back in.\n\nChannel 1: No worries.\n\nChannel 0: Mate, I was just giving you a call to run through the updated advice strategy that we put together for you just regarding the the Netwealth and the raised super. If you still\n\nChannel 1: Yep.\n\nChannel 0: have about ten minutes for me. Perfect. Now I've got an email. I'm sending it through to your Gmail account. Now will you better look onto the document with me today, or should I just kind of walk you through it?\n\nChannel 1: Yeah. I'll be able to have a\n\nChannel 0: Perfect.\n\nChannel 1: look.\n\nChannel 0: So that should go through pretty quickly. You have used the new system before, so it might it should go through to your main inbox pretty pretty quickly there, and it should be labeled as statement of advice. Cool. And just to let you know, there is a good seven documents that came along with it. Can sometimes be a little bit bigger, but we're just gonna go through the statement of advice today.\n\nMost of the other documents are just supplementary product disclosure statements from the funds and just\n\nChannel 1: Yep.\n\nChannel 0: an updated service guide from us.\n\nChannel 1: I heard it come through.\n\nChannel 0: Perfect. Now when you grab that email up, there should be a blue button to sort of begin looking through the documents. It does say sign, but it just lets you scroll through them with me. And you should see a Gold Coast beachfront city picture on the front there.\n\nChannel 1: Yes.\n\nChannel 0: Yep. Now I'm not sure if you're using phone or computer, but can you make out the text there? Is it clear enough to read?\n\nChannel 1: Yep. Wait a second. I just went back. It's\n\nChannel 0: No\n\nChannel 1: calling\n\nChannel 0: worries\n\nChannel 1: you.\n\nChannel 0: at all. And once you get back in there, I just wanna start off on that third and fourth page where we've got the scope of advice headings.\n\nChannel 1: It's got an advanced headwinds. Yep.\n\nChannel 0: Yep. So this advice document focuses primarily on reviewing the portfolio within Hub and also the reopen Ray super account.\n\nChannel 1: Mhmm.\n\nChannel 0: We have factored in the insurance premiums, but we're not giving insurance advice today. And on the following pages, we're not giving you any estate planning, budgeting, or cash flow, or debt management advice at this time.\n\nChannel 1: Yep.\n\nChannel 0: You're essentially just looking after your own, you know, return to work. You're going through work cover, all that kind of thing, and we're just gonna focus on the super review at this point.\n\nChannel 1: Yep.\n\nChannel 0: Cool. Now if you scroll through, you'll see a limited advice heading just talking about that we're not giving advice on everything under the sun. And if the information isn't accurate, obviously, impacts the recommendations. We've got the about you section after that and your assets and liabilities. But if you keep scrolling down for me at pages ten and eleven, you'll see the risk profile.\n\nChannel 1: Yep.\n\nChannel 0: We're keeping you still in a high growth risk profile at this point. If you remember our conversation, we're basically just doing a bit of an engine tune up on the investments\n\nChannel 1: Yep.\n\nChannel 0: more so than changing your whole category and, again, that consolidation. If you go to pages 12, you'll see a strategy recommendation setting. Quite text heavy, that one. So I just wanted to kind of summarize it for you.\n\nChannel 1: Yep. Yep. No worries.\n\nChannel 0: Yep. So what we're recommending is obviously to consolidate the reopen raise super account. I had a bit of fun kind of recomparing this one because they've changed their fee structure, their investment menu, their features since you first had it, and I just wanted to make sure it was still in your best interest to close that account back down because you had a pretty good portfolio in there as well. The main things that kind of stood out to me as a difference, just for kind of a bit of a recap, Hub twenty four is a a wrap platform. So it has 1,300 investment options.\n\nIt gives you access to ETFs, which is what we use for our portfolios to try and get those low investment fees. Raise\n\nChannel 1: Yep.\n\nChannel 0: also does have access to ETFs, and you had a pretty pretty solid portfolio in there that was recreated. It was just leaning quite heavily towards the Australian share market, though. It had a good 50 to 60% in the Aussie market. We couldn't recreate the same portfolio inside there. So there's some ETFs, but it's just not as broad as hub twenty four.\n\nThe other thing too is they don't have aggregated trading features, which means if someone's buying what you're selling or selling what you're buying, you can actually trade those shares around without paying brokerage fees. They've got a pretty good brokerage fee on Raiz, but it just doesn't have that feature to minimize the cost.\n\nChannel 1: Yep.\n\nChannel 0: The main thing too, if you keep going down, so there's a big table of advantages and disadvantages on thirteen and fourteen. Obviously, consolidating super is gonna be a bit easier to manage rather than having two funds, but I did do a pretty heavy comparison in terms of fees and performance, which I need to show you on page fifteen and sixteen. There's just a couple of tables there to look at. Now when you get to 15, you should see a fee comparison table, and I just wanna kind of bring your attention to the right hand column for the time being, if you can make that out. And it should say, like, current,\n\nChannel 1: What are the differences?\n\nChannel 0: recommended, and then difference. Yep. So we factored in here any kind of buy sell costs, brokerage fees, and capital gains tax for switching all the investments around because we're gonna update the hub portfolio and also switch across the raise. We've managed to chop the investment fees in half and save a tiny bit on admin fees. Just bear in mind that Rais has a slightly cheaper admin fee for the account itself, but we're managing to get the investment fees quite heavily down and bring the performance back up as well.\n\nSo we've kind of factored all that in. You'll probably make up the capital gains tax difference within a year or two just in performance and fee savings. So it wasn't that big of an issue that we thought you wouldn't be able to update the investments under the hood, if that makes sense.\n\nChannel 1: Yep.\n\nChannel 0: If it was 7,000 or 12,000 of capital gains tax for your super, that would probably give me a moment to pause.\n\nChannel 1: Yes.\n\nChannel 0: If you go over to the next page, the main figures here. So we've updated a projection for you. Now just bear in mind, this projection for five and ten years, it doesn't factor in contributions at this point just while you're going through the work cover and so on. I've just modeled it on purely fees, taxes, and investment returns.\n\nChannel 1: Yep.\n\nChannel 0: Bit of grain of salt, but I think we should be able to get you at least 50,000 more over the next ten years without any contributions going in. Once they do go back in one day, that'll kick into gear quite faster. But I've put a pretty heavy performance comparison table there for you just showing the portfolio that was in raise, the portfolio that you had in hub, the aggregate of both of them spliced together, and then\n\nChannel 1: Mhmm.\n\nChannel 0: below that, the new portfolio and hub and then the aggregate across the both. The only difference that I could see there was the one year performance for raise was quite strong. Some of those ETFs\n\nChannel 1: Mhmm.\n\nChannel 0: that they had were fantastic, but, again, not much difference in three, five, ten years, and all the long term figures. Quick kind of reminder, you wanna be aiming for about 10% or above for a high growth risk profile. So I need to make sure\n\nChannel 1: Yep.\n\nChannel 0: we're getting a consistent double digits across all time periods. If we still continue to get that 11 to 15%, fantastic, but 10 is the benchmark.\n\nChannel 1: Yeah.\n\nChannel 0: K? Any questions on that so far?\n\nChannel 1: You know, it's really self explanatory.\n\nChannel 0: Yep. The last couple of tables here is just the investments table. After that, red heading, page 17, And it basically just shows you all the different ETFs that you have inside raise currently, the ones inside hub, and then the very bottom page is just a few that we're mixing in. I have to kind of replace the bank hybrids term deposits because they're being phased out by the government. There's a property funds that's been doing pretty poorly the last few weeks after the the legislation came in for capital gains tax and negative gearing.\n\nSo I'm gonna have to switch\n\nChannel 1: Yep.\n\nChannel 0: that one out because the companies there are kind of falling, going under a little bit. We don't wanna hold on to that one. And that Benelon option that was underperforming, we've replaced that with a low fee index fund as well.\n\nChannel 1: What's the the the base shares?\n\nChannel 0: And\n\nChannel 1: The\n\nChannel 0: towards the bottom?\n\nChannel 1: yeah. The Ruffy r f one.\n\nChannel 0: Let's have a look which one's got the Raffi. Sorry. I'm just having a look through all of them there. My computer's lagging. I've got the a 200 there.\n\nChannel 1: Yeah. The Us Us 200. There's an what I'm saying should be before the pie\n\nChannel 0: So,\n\nChannel 1: chart.\n\nChannel 0: yeah, the pie chart is the asset allocation. The, RAFI Australia 200, that was another, index funds that follows the Aussie market. We're kind of splicing them together into that one a 200, bit lower fees, bit closer performance to the benchmark.\n\nChannel 1: Okay.\n\nChannel 0: For that pie chart, basically, we need between 90 to a 100% growth assets. You're sitting at 93. Once we kind of move everything around, you'll probably be sitting just shy of 94. Not too much of a difference in terms of risk level.\n\nChannel 1: Yep.\n\nChannel 0: K. We've reiterated the advice fees towards the bottom. And as far as implementation goes, if you're comfortable with this strategy and sign off on the consent, we will basically hop online over Friday, do this buy, sells, and trades to switch the investments and send off a rollover request as well.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Yep. There really wasn't anything else to sort out. Everything in terms of, you know, state planning and insurances was all looking pretty good. And, obviously, there's a few things we'd like to kind of revisit with you down the line. But is there anything else that I can kind of help with at this point?\n\nChannel 1: No. No. This is all looking pretty good. You guys are on top of all the all the moving with the new registrations coming through, which is I had planned on calling and asking, but, yeah, that's how the interview before then. So that's what.\n\nChannel 0: Yeah. Perfect. Yeah. It's one of those really good opportunities where as we're fixing one bad apple, other things have changed, so we may as well just kind of clean it all up in one go. And, ideally, you'd want a portfolio to have kind of minimal changes over three, five years.\n\nJust tweak an option here and there, rebalance it, and so on. Every now and then, the world explodes somewhere and Australia\n\nChannel 1: Yeah.\n\nChannel 0: changes\n\nChannel 1: I got\n\nChannel 0: its\n\nChannel 1: it.\n\nChannel 0: laws, and you've gotta fix it all up in one go.\n\nChannel 1: Yeah. I was about to say, like, that's that's usually the case that when you have a major legislation change, and I know that I had quite a bit of at least the, you know, the ST stuff was all, like, property based in Australia. And I'm like, oh, that's not good because it was good before.\n\nChannel 0: Yeah. And the sad thing about the ETF space for property is that it doesn't invest directly in properties. So even if the market itself is doing well, the property companies tend to do a lot worse, and so we see even bigger drops in the companies than the underlying houses.\n\nChannel 1: Yeah.\n\nChannel 0: But we'll get all that fixed up pretty easily. And basically from that point, I will probably pencil in a bit of a catch up with you in the new year just to kind of see how it's played out for the end of the year. Obviously, normal annual review would still apply, but I just wanna make sure that it behaves the way we expect it to, and we don't need to make any further tweaks in the new year. Cool. I will just quickly double check implementation side of things because we've had some new updates to the anti money laundering laws.\n\nJust need to make sure I have ID up to date. And I'm just having a look at your ID on file just quickly, which expires. I believe you probably renewed your license maybe a month ago.\n\nChannel 1: Yes.\n\nChannel 0: So what I might do, if it's okay with you, is\n\nChannel 1: Yes. New lessons due possible.\n\nChannel 0: yeah. I might get Michelle just to to flick through a message on our ID certification phone. And if you could maybe send through a photo clear back and front photo, we can recertify that. And that way, it's up to date on file when we go to implement the advice.\n\nChannel 1: Yep.\n\nChannel 0: Is that okay?\n\nChannel 1: Yeah. No worries.\n\nChannel 0: Perfect. Anything else I can help with before I let you go, Bevan?\n\nChannel 1: Yeah. No. I'm good with that.\n\nChannel 0: Cool. Well, fingers crossed the world settles down a little bit, and we can have some positive news in our next catch up about how the market soared back and the returns are fantastic, or it can remain on fire and we can keep checking that it's doing what it's supposed to.\n\nChannel 1: Yep.\n\nChannel 0: Awesome, mate. Thank you so much for your time, and you'll probably hear from Michelle towards the end of this afternoon.\n\nChannel 1: Yep. No problem.\n\nChannel 0: Thanks, man. Have a great day. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Bevan.","start":2.0,"end":3.28,"sentiment":"positive","sentiment_score":0.42489980657895404},{"text":"Tommy here, mate.","start":3.28,"end":3.9199998,"sentiment":"positive","sentiment_score":0.35261232654253644},{"text":"Thank you so much for calling back in.","start":3.9199998,"end":5.62,"sentiment":"positive","sentiment_score":0.7227829173207283}],"sentiment":"positive","sentiment_score":0.579628552709307,"channel":0,"num_words":14,"start":2.0,"end":5.62},{"sentences":[{"text":"No worries.","start":6.24,"end":6.8999996,"sentiment":"neutral","sentiment_score":0.3216191530227661}],"sentiment":"neutral","sentiment_score":0.3216191530227661,"channel":1,"num_words":2,"start":6.24,"end":6.8999996},{"sentences":[{"text":"Mate, I was just giving you a call to run through the updated advice strategy that we put together for you just regarding the the Netwealth and the raised super.","start":7.44,"end":16.325,"sentiment":"neutral","sentiment_score":0.24620586335659028},{"text":"If you still","start":16.545,"end":17.105,"sentiment":"neutral","sentiment_score":0.06417077779769897}],"sentiment":"neutral","sentiment_score":0.2296572192148729,"channel":0,"num_words":33,"start":7.44,"end":17.105},{"sentences":[{"text":"Yep.","start":17.005,"end":17.505,"sentiment":"neutral","sentiment_score":0.08164751529693604}],"sentiment":"neutral","sentiment_score":0.08164751529693604,"channel":1,"num_words":1,"start":17.005,"end":17.505},{"sentences":[{"text":"have about ten minutes for me.","start":17.105,"end":18.725,"sentiment":"neutral","sentiment_score":0.11602257937192917},{"text":"Perfect.","start":20.305,"end":20.705,"sentiment":"positive","sentiment_score":0.6396920680999756},{"text":"Now I've got an email.","start":20.705,"end":21.585,"sentiment":"positive","sentiment_score":0.3399374485015869},{"text":"I'm sending it through to your Gmail account.","start":21.585,"end":23.985,"sentiment":"neutral","sentiment_score":0.26342115737497807},{"text":"Now will you better look onto the document with me today, or should I just kind of walk you through it?","start":23.985,"end":28.32,"sentiment":"neutral","sentiment_score":0.1934711489649046}],"sentiment":"neutral","sentiment_score":0.22453117497810504,"channel":0,"num_words":41,"start":17.105,"end":28.32},{"sentences":[{"text":"Yeah.","start":29.21,"end":29.53,"sentiment":"neutral","sentiment_score":0.28737741708755493},{"text":"I'll be able to have a","start":29.53,"end":30.67,"sentiment":"positive","sentiment_score":0.45847027003765106}],"sentiment":"positive","sentiment_score":0.434028433901923,"channel":1,"num_words":7,"start":29.21,"end":30.67},{"sentences":[{"text":"Perfect.","start":31.439999,"end":31.92,"sentiment":"positive","sentiment_score":0.5755094885826111}],"sentiment":"positive","sentiment_score":0.5755094885826111,"channel":0,"num_words":1,"start":31.439999,"end":31.92},{"sentences":[{"text":"look.","start":31.85,"end":32.35,"sentiment":"positive","sentiment_score":0.541924238204956}],"sentiment":"positive","sentiment_score":0.541924238204956,"channel":1,"num_words":1,"start":31.85,"end":32.35},{"sentences":[{"text":"So that should go through pretty quickly.","start":31.92,"end":34.02,"sentiment":"positive","sentiment_score":0.5016591932092395},{"text":"You have used the new system before, so it might it should go through to your main inbox pretty pretty quickly there, and it should be labeled as statement of advice.","start":34.079998,"end":42.995,"sentiment":"positive","sentiment_score":0.37726204818294895},{"text":"Cool.","start":56.75,"end":56.989998,"sentiment":"positive","sentiment_score":0.46437275409698486},{"text":"And just to let you know, there is a good seven documents that came along with it.","start":56.989998,"end":61.409996,"sentiment":"neutral","sentiment_score":0.24573851332944982},{"text":"Can sometimes be a little bit bigger, but we're just gonna go through the statement of advice today.","start":61.87,"end":67.375,"sentiment":"neutral","sentiment_score":0.15259457752108574}],"sentiment":"neutral","sentiment_score":0.30534280705693606,"channel":0,"num_words":74,"start":31.92,"end":67.375},{"sentences":[{"text":"Most of the other documents are just supplementary product disclosure statements from the funds and 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all.","start":125.705,"end":126.365,"sentiment":"neutral","sentiment_score":0.034382499754428864},{"text":"And once you get back in there, I just wanna start off on that third and fourth page where we've got the scope of advice headings.","start":135.07999,"end":142.21999,"sentiment":"neutral","sentiment_score":0.07539651327981399}],"sentiment":"neutral","sentiment_score":0.07246694088514362,"channel":0,"num_words":28,"start":125.705,"end":142.21999},{"sentences":[{"text":"It's got an advanced headwinds.","start":143.46,"end":145.08,"sentiment":"neutral","sentiment_score":-0.08249884843826294},{"text":"Yep.","start":145.38,"end":145.88,"sentiment":"neutral","sentiment_score":0.03440041467547417}],"sentiment":"neutral","sentiment_score":-0.06301563791930676,"channel":1,"num_words":6,"start":143.46,"end":145.88},{"sentences":[{"text":"Yep.","start":146.28,"end":146.655,"sentiment":"neutral","sentiment_score":-0.017720002681016922},{"text":"So this advice document focuses primarily on reviewing the portfolio within Hub and also the reopen Ray super account.","start":146.895,"end":157.395,"sentiment":"neutral","sentiment_score":0.1558498214734228}],"sentiment":"neutral","sentiment_score":0.1471713302657008,"channel":0,"num_words":20,"start":146.28,"end":157.395},{"sentences":[{"text":"Mhmm.","start":158.225,"end":158.725,"sentiment":"neutral","sentiment_score":-0.05450325459241867}],"sentiment":"neutral","sentiment_score":-0.05450325459241867,"channel":1,"num_words":1,"start":158.225,"end":158.725},{"sentences":[{"text":"We have factored in the insurance premiums, but we're not giving insurance advice today.","start":158.255,"end":163.47,"sentiment":"neutral","sentiment_score":-0.26556491905025076},{"text":"And on the following pages, we're not giving you any estate planning, budgeting, or cash flow, or debt management advice at this 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mind that Rais has a slightly cheaper admin fee for the account itself, but we're managing to get the investment fees quite heavily down and bring the performance back up as well.","start":388.27,"end":398.93,"sentiment":"positive","sentiment_score":0.49439630678721835}],"sentiment":"neutral","sentiment_score":0.3297383984330521,"channel":0,"num_words":93,"start":366.82,"end":398.93},{"sentences":[{"text":"So we've kind of factored all that in.","start":399.22998,"end":401.175,"sentiment":"positive","sentiment_score":0.34193646907806396},{"text":"You'll probably make up the capital gains tax difference within a year or two just in performance and fee savings.","start":401.41498,"end":407.995,"sentiment":"neutral","sentiment_score":0.3175829492509365},{"text":"So it wasn't that big of an issue that we thought you wouldn't be able to update the investments under the hood, if that makes 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see there was the one year performance for raise was quite strong.","start":479.03998,"end":484.09998,"sentiment":"neutral","sentiment_score":0.25802291101879543},{"text":"Some of those ETFs","start":484.47998,"end":485.36,"sentiment":"neutral","sentiment_score":0.0711481524631381}],"sentiment":"neutral","sentiment_score":0.21013755589309666,"channel":0,"num_words":36,"start":473.335,"end":485.36},{"sentences":[{"text":"Mhmm.","start":485.19,"end":485.69,"sentiment":"neutral","sentiment_score":0.02443525195121765}],"sentiment":"neutral","sentiment_score":0.02443525195121765,"channel":1,"num_words":1,"start":485.19,"end":485.69},{"sentences":[{"text":"that they had were fantastic, but, again, not much difference in three, five, ten years, and all the long term figures.","start":485.36,"end":492.46503,"sentiment":"neutral","sentiment_score":0.06388628748910767},{"text":"Quick kind of reminder, you wanna be aiming for about 10% or above for a high growth risk 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explanatory.","start":516.08,"end":518.66,"sentiment":"neutral","sentiment_score":0.1155786154170831}],"sentiment":"neutral","sentiment_score":0.1155786154170831,"channel":1,"num_words":6,"start":516.08,"end":518.66},{"sentences":[{"text":"Yep.","start":519.35504,"end":519.85504,"sentiment":"neutral","sentiment_score":0.10176877677440643},{"text":"The last couple of tables here is just the investments table.","start":520.23505,"end":523.61505,"sentiment":"neutral","sentiment_score":0.048421056771820244},{"text":"After that, red heading, page 17, And it basically just shows you all the different ETFs that you have inside raise currently, the ones inside hub, and then the very bottom page is just a few that we're mixing in.","start":524.23505,"end":536.9,"sentiment":"neutral","sentiment_score":0.03355463724583387},{"text":"I have to kind of replace the bank hybrids term deposits because they're being phased out by the government.","start":537.6,"end":543.455,"sentiment":"neutral","sentiment_score":-0.07683031104112927},{"text":"There's a property funds that's been doing pretty poorly the last few weeks after the the legislation came in for capital gains tax and negative gearing.","start":543.91504,"end":553.675,"sentiment":"neutral","sentiment_score":-0.24419612895983916}],"sentiment":"neutral","sentiment_score":-0.06012669455298444,"channel":0,"num_words":97,"start":519.35504,"end":553.675},{"sentences":[{"text":"So I'm gonna have to 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shares?","start":570.05005,"end":571.99005,"sentiment":"neutral","sentiment_score":0.0005840118489383409}],"sentiment":"neutral","sentiment_score":0.0005840118489383409,"channel":1,"num_words":6,"start":570.05005,"end":571.99005},{"sentences":[{"text":"And","start":574.685,"end":574.92505,"sentiment":"neutral","sentiment_score":-0.003345167264342308}],"sentiment":"neutral","sentiment_score":-0.003345167264342308,"channel":0,"num_words":1,"start":574.685,"end":574.92505},{"sentences":[{"text":"The","start":574.77,"end":575.27,"sentiment":"neutral","sentiment_score":-0.005305448547005653}],"sentiment":"neutral","sentiment_score":-0.005305448547005653,"channel":1,"num_words":1,"start":574.77,"end":575.27},{"sentences":[{"text":"towards the bottom?","start":574.92505,"end":575.905,"sentiment":"neutral","sentiment_score":-0.0016065379604697227}],"sentiment":"neutral","sentiment_score":-0.0016065379604697227,"channel":0,"num_words":3,"start":574.92505,"end":575.905},{"sentences":[{"text":"yeah.","start":576.37,"end":576.69,"sentiment":"neutral","sentiment_score":-0.0010829577222466469},{"text":"The Ruffy r f one.","start":576.69,"end":582.11505,"sentiment":"neutral","sentiment_score":0.0020070455968379973}],"sentiment":"neutral","sentiment_score":0.0014920450436572235,"channel":1,"num_words":6,"start":576.37,"end":582.11505},{"sentences":[{"text":"Let's have a look which one's got the Raffi.","start":584.22003,"end":588.16003,"sentiment":"neutral","sentiment_score":0.0050222228811536394},{"text":"Sorry.","start":588.22003,"end":588.46,"sentiment":"neutral","sentiment_score":-0.062072236090898514},{"text":"I'm just having a look through all of them 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kind of move everything around, you'll probably be sitting just shy of 94.","start":631.175,"end":635.16,"sentiment":"neutral","sentiment_score":0.07871297126015027},{"text":"Not too much of a difference in terms of risk level.","start":635.95996,"end":638.37994,"sentiment":"neutral","sentiment_score":-0.07276542654091661}],"sentiment":"neutral","sentiment_score":0.06524308347566561,"channel":0,"num_words":44,"start":625.015,"end":638.37994},{"sentences":[{"text":"Yep.","start":639.29504,"end":639.79504,"sentiment":"neutral","sentiment_score":0.09391941875219344}],"sentiment":"neutral","sentiment_score":0.09391941875219344,"channel":1,"num_words":1,"start":639.29504,"end":639.79504},{"sentences":[{"text":"K.","start":641.87994,"end":642.37994,"sentiment":"neutral","sentiment_score":0.07782544940710068},{"text":"We've reiterated the advice fees towards the bottom.","start":643.0,"end":646.06,"sentiment":"neutral","sentiment_score":0.1896285954862833},{"text":"And as far as 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what.","start":692.72,"end":694.1,"sentiment":"neutral","sentiment_score":0.07139654209216435}],"sentiment":"neutral","sentiment_score":0.1775357344084316,"channel":1,"num_words":45,"start":680.8,"end":694.1},{"sentences":[{"text":"Yeah.","start":694.885,"end":695.28,"sentiment":"positive","sentiment_score":0.34361547231674194},{"text":"Perfect.","start":695.52,"end":695.76,"sentiment":"positive","sentiment_score":0.5722477436065674},{"text":"Yeah.","start":695.76,"end":696.16003,"sentiment":"positive","sentiment_score":0.43317168951034546},{"text":"It's one of those really good opportunities where as we're fixing one bad apple, other things have changed, so we may as well just kind of clean it all up in one go.","start":696.16003,"end":704.66003,"sentiment":"positive","sentiment_score":0.3850906721570275},{"text":"And, ideally, you'd want a portfolio to have kind of minimal changes over three, five 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renewed your license maybe a month ago.","start":797.95496,"end":801.415,"sentiment":"neutral","sentiment_score":0.05190338160503994}],"sentiment":"neutral","sentiment_score":0.10552682052995707,"channel":0,"num_words":37,"start":787.06,"end":801.415},{"sentences":[{"text":"Yes.","start":804.27,"end":804.77,"sentiment":"neutral","sentiment_score":0.09802359342575072}],"sentiment":"neutral","sentiment_score":0.09802359342575072,"channel":1,"num_words":1,"start":804.27,"end":804.77},{"sentences":[{"text":"So what I might do, if it's okay with you, is","start":806.48004,"end":809.22003,"sentiment":"neutral","sentiment_score":0.1357157291336493}],"sentiment":"neutral","sentiment_score":0.1357157291336493,"channel":0,"num_words":11,"start":806.48004,"end":809.22003},{"sentences":[{"text":"Yes.","start":808.83,"end":809.23004,"sentiment":"neutral","sentiment_score":0.1410486400127411},{"text":"New lessons due 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that.","start":836.85004,"end":837.83,"sentiment":"positive","sentiment_score":0.7572174519300461}],"sentiment":"positive","sentiment_score":0.5180757837370038,"channel":1,"num_words":6,"start":836.21,"end":837.83},{"sentences":[{"text":"Cool.","start":838.37,"end":838.69,"sentiment":"positive","sentiment_score":0.7077267169952393},{"text":"Well, fingers crossed the world settles down a little bit, and we can have some positive news in our next catch up about how the market soared back and the returns are fantastic, or it can remain on fire and we can keep checking that it's doing what it's supposed to.","start":838.69,"end":853.105,"sentiment":"positive","sentiment_score":0.5039685394834069}],"sentiment":"positive","sentiment_score":0.5078869659740192,"channel":0,"num_words":52,"start":838.37,"end":853.105},{"sentences":[{"text":"Yep.","start":852.66,"end":853.16,"sentiment":"positive","sentiment_score":0.38566526770591736}],"sentiment":"positive","sentiment_score":0.38566526770591736,"channel":1,"num_words":1,"start":852.66,"end":853.16},{"sentences":[{"text":"Awesome, mate.","start":855.64496,"end":856.20496,"sentiment":"positive","sentiment_score":0.7831870317459106},{"text":"Thank you so much for your time, and you'll probably hear from Michelle towards the end of this afternoon.","start":856.20496,"end":861.44293,"sentiment":"positive","sentiment_score":0.6887603119799965}],"sentiment":"positive","sentiment_score":0.6977533329100836,"channel":0,"num_words":21,"start":855.64496,"end":861.44293},{"sentences":[{"text":"Yep.","start":862.18,"end":862.5,"sentiment":"neutral","sentiment_score":0.30476710200309753},{"text":"No problem.","start":862.5,"end":863.16,"sentiment":"positive","sentiment_score":0.4801296591758728}],"sentiment":"positive","sentiment_score":0.4216754734516144,"channel":1,"num_words":3,"start":862.18,"end":863.16},{"sentences":[{"text":"Thanks, man.","start":863.7429,"end":864.38293,"sentiment":"positive","sentiment_score":0.7360177636146545},{"text":"Have a great day.","start":864.38293,"end":865.3629,"sentiment":"positive","sentiment_score":0.7496746331453323},{"text":"Bye.","start":867.1829,"end":867.6829,"sentiment":"neutral","sentiment_score":-0.09883913397789}],"sentiment":"positive","sentiment_score":0.624556417976107,"channel":0,"num_words":7,"start":863.7429,"end":867.6829}]},"summary":{"result":"success","short":"The representative explains that they will be reviewing the customer's portfolio and providing advice on various topics. They also discuss consolidating a reopen raise super account and the benefits of it, including reducing fees and saving capital. The speaker provides information on fees and performance of various ETFs and advises the caller to focus on risk level and implementation of the strategy. They plan to follow up with the caller in the new year to see how the market has reacted to anti-money laundering laws."},"intents":{"segments":[{"text":"Mate, I was just giving you a call to run through the updated advice strategy that we put together for you just regarding the the Netwealth and the raised super. If you still Yep.","start_word":16,"end_word":49,"intents":[{"intent":"Run through advice strategy","confidence_score":0.16492052}]},{"text":"And just to let you know, there is a good seven documents that came along with it. Can sometimes be a little bit bigger, but we're just gonna go through the statement of advice today. Most of the other documents are just supplementary product disclosure statements from the funds and just Yep. an updated service guide from us. I heard it come through.","start_word":139,"end_word":201,"intents":[{"intent":"Access documents","confidence_score":0.020408873},{"intent":"Go through documents","confidence_score":0.009779763},{"intent":"Go through statements","confidence_score":0.0004964301}]},{"text":"Now when you grab that email up, there should be a blue button to sort of begin looking through the documents. It does say sign, but it just lets you scroll through them with me. And you should see a Gold Coast beachfront city picture on the front there. Yes.","start_word":203,"end_word":252,"intents":[{"intent":"Sort through documents","confidence_score":0.0019979102}]},{"text":"Now I'm not sure if you're using phone or computer, but can you make out the text there? Is it clear enough to read?","start_word":254,"end_word":277,"intents":[{"intent":"Make text","confidence_score":0.1832177}]},{"text":"And once you get back in there, I just wanna start off on that third and fourth page where we've got the scope of advice headings. It's got an advanced headwinds. Yep. Yep.","start_word":293,"end_word":325,"intents":[{"intent":"Get advice headings","confidence_score":0.012685911}]},{"text":"So this advice document focuses primarily on reviewing the portfolio within Hub and also the reopen Ray super account.","start_word":327,"end_word":345,"intents":[{"intent":"Reopen ray super account","confidence_score":0.33632284}]},{"text":"So what we're recommending is obviously to consolidate the reopen raise super account. I had a bit of fun kind of recomparing this one because they've changed their fee structure, their investment menu, their features since you first had it, and I just wanted to make sure it was still in your best interest to close that account back down because you had a pretty good portfolio in there as well.","start_word":563,"end_word":633,"intents":[{"intent":"Consolidate super account","confidence_score":0.025042497}]},{"text":"The main things that kind of stood out to me as a difference, just for kind of a bit of a recap, Hub twenty four is a a wrap platform. So it has 1,300 investment options. It gives you access to ETFs, which is what we use for our portfolios to try and get those low investment fees.","start_word":635,"end_word":692,"intents":[{"intent":"Provide information","confidence_score":0.0076814084},{"intent":"Highlight misunderstanding","confidence_score":0.00032593714}]},{"text":"The main thing too, if you keep going down, so there's a big table of advantages and disadvantages on thirteen and fourteen.","start_word":814,"end_word":835,"intents":[{"intent":"Share benefits","confidence_score":0.0023686744},{"intent":"Explain benefits","confidence_score":0.07187924},{"intent":"Show benefits and disadvantages","confidence_score":0.0037046494}]},{"text":"Obviously, consolidating super is gonna be a bit easier to manage rather than having two funds, but I did do a pretty heavy comparison in terms of fees and performance, which I need to show you on page fifteen and sixteen.","start_word":836,"end_word":876,"intents":[{"intent":"Compare fees and performance","confidence_score":0.24403402}]},{"text":"And it should say, like, current, What are the differences? recommended, and then difference.","start_word":924,"end_word":937,"intents":[{"intent":"Provide recommendations","confidence_score":0.0073020095}]},{"text":"So we factored in here any kind of buy sell costs, brokerage fees, and capital gains tax for switching all the investments around because we're gonna update the hub portfolio and also switch across the raise.","start_word":940,"end_word":975,"intents":[{"intent":"Promote investment changes","confidence_score":0.00005177118}]},{"text":"that they had were fantastic, but, again, not much difference in three, five, ten years, and all the long term figures. Quick kind of reminder, you wanna be aiming for about 10% or above for a high growth risk profile. So I need to make sure Yep. we're getting a consistent double digits across all time periods. If we still continue to get that 11 to 15%, fantastic, but 10 is the benchmark. Yeah.","start_word":1286,"end_word":1359,"intents":[{"intent":"Inquire about consistency and benchmark","confidence_score":0.0000012271212}]},{"text":"The last couple of tables here is just the investments table. After that, red heading, page 17, And it basically just shows you all the different ETFs that you have inside raise currently, the ones inside hub, and then the very bottom page is just a few that we're mixing in.","start_word":1373,"end_word":1423,"intents":[{"intent":"Discuss etfs and portfolios","confidence_score":0.018683583}]},{"text":"The Ruffy r f one. Let's have a look which one's got the Raffi. Sorry.","start_word":1530,"end_word":1544,"intents":[{"intent":"Discuss raffi raffi raffi raffi's asset allocation","confidence_score":0.00008371963}]},{"text":"I will just quickly double check implementation side of things because we've had some new updates to the anti money laundering laws. Just need to make sure I have ID up to date. And I'm just having a look at your ID on file just quickly, which expires. I believe you probably renewed your license maybe a month ago. Yes.","start_word":2106,"end_word":2165,"intents":[{"intent":"Check implementation and documents","confidence_score":0.0001624714}]}]},"sentiments":{"segments":[{"text":"Good afternoon, Bevan. Tommy here, mate. Thank you so much for calling back in.","start_word":0,"end_word":13,"sentiment":"positive","sentiment_score":0.526740550994873},{"text":"No worries. Mate, I was just giving you a call to run through the updated advice strategy that we put together for you just regarding the the Netwealth and the raised super. If you still Yep. have about ten minutes for me.","start_word":14,"end_word":55,"sentiment":"neutral","sentiment_score":0.2063138633966446},{"text":"Perfect.","start_word":56,"end_word":56,"sentiment":"positive","sentiment_score":0.6396920680999756},{"text":"Now I've got an email. I'm sending it through to your Gmail account. Now will you better look onto the document with me today, or should I just kind of walk you through it? Yeah.","start_word":57,"end_word":91,"sentiment":"neutral","sentiment_score":0.23909759521484375},{"text":"I'll be able to have a Perfect. look. So that should go through pretty quickly. You have used the new system before, so it might it should go through to your main inbox pretty pretty quickly there, and it should be labeled as statement of advice. Cool.","start_word":92,"end_word":138,"sentiment":"positive","sentiment_score":0.41091835498809814},{"text":"And just to let you know, there is a good seven documents that came along with it. Can sometimes be a little bit bigger, but we're just gonna go through the statement of advice today. Most of the other documents are just supplementary product disclosure statements from the funds and just Yep. an updated service guide from us. I heard it come through.","start_word":139,"end_word":201,"sentiment":"neutral","sentiment_score":0.17393814027309418},{"text":"Perfect.","start_word":202,"end_word":202,"sentiment":"positive","sentiment_score":0.48174551129341125},{"text":"Now when you grab that email up, there should be a blue button to sort of begin looking through the documents. It does say sign, but it just lets you scroll through them with me. And you should see a Gold Coast beachfront city picture on the front there. Yes. Yep. Now I'm not sure if you're using phone or computer, but can you make out the text there? Is it clear enough to read? Yep. Wait a second. I just went back. It's No calling worries you. at all. And once you get back in there, I just wanna start off on that third and fourth page where we've got the scope of advice headings. It's got an advanced headwinds. Yep. Yep. So this advice document focuses primarily on reviewing the portfolio within Hub and also the reopen Ray super account. Mhmm. We have factored in the insurance premiums, but we're not giving insurance advice today.","start_word":203,"end_word":359,"sentiment":"neutral","sentiment_score":0.03941541286126064},{"text":"And on the following pages, we're not giving you any estate planning, budgeting, or cash flow, or debt management advice at this time.","start_word":360,"end_word":382,"sentiment":"negative","sentiment_score":-0.44565698504447937},{"text":"Yep. You're essentially just looking after your own, you know, return to work. You're going through work cover, all that kind of thing, and we're just gonna focus on the super review at this point. Yep.","start_word":383,"end_word":418,"sentiment":"neutral","sentiment_score":0.05153641104698181},{"text":"Cool.","start_word":419,"end_word":419,"sentiment":"positive","sentiment_score":0.4007183909416199},{"text":"Now if you scroll through, you'll see a limited advice heading just talking about that we're not giving advice on everything under the sun. And if the information isn't accurate, obviously, impacts the recommendations. We've got the about you section after that and your assets and liabilities. But if you keep scrolling down for me at pages ten and eleven, you'll see the risk profile. Yep. We're keeping you still in a high growth risk profile at this point. If you remember our conversation, we're basically just doing a bit of an engine tune up on the investments Yep. more so than changing your whole category and, again, that consolidation. If you go to pages 12, you'll see a strategy recommendation setting. Quite text heavy, that one. So I just wanted to kind of summarize it for you. Yep. Yep. No worries. Yep. So what we're recommending is obviously to consolidate the reopen raise super account. I had a bit of fun kind of recomparing this one because they've changed their fee structure, their investment menu, their features since you first had it, and I just wanted to make sure it was still in your best interest to close that account back down because you had a pretty good portfolio in there as well. The main things that kind of stood out to me as a difference, just for kind of a bit of a recap, Hub twenty four is a a wrap platform. So it has 1,300 investment options. It gives you access to ETFs, which is what we use for our portfolios to try and get those low investment fees. Raise Yep.","start_word":420,"end_word":693,"sentiment":"neutral","sentiment_score":0.1077330971721315},{"text":"also does have access to ETFs, and you had a pretty pretty solid portfolio in there that was recreated.","start_word":694,"end_word":712,"sentiment":"positive","sentiment_score":0.5243019461631775},{"text":"It was just leaning quite heavily towards the Australian share market, though.","start_word":713,"end_word":724,"sentiment":"neutral","sentiment_score":0.22247466444969177},{"text":"It had a good 50 to 60% in the Aussie market.","start_word":725,"end_word":735,"sentiment":"positive","sentiment_score":0.37835362553596497},{"text":"We couldn't recreate the same portfolio inside there. So there's some ETFs, but it's just not as broad as hub twenty four. The other thing too is they don't have aggregated trading features, which means if someone's buying what you're selling or selling what you're buying, you can actually trade those shares around without paying brokerage fees.","start_word":736,"end_word":792,"sentiment":"neutral","sentiment_score":0.15905338525772095},{"text":"They've got a pretty good brokerage fee on Raiz, but it just doesn't have that feature to minimize the cost.","start_word":793,"end_word":812,"sentiment":"positive","sentiment_score":0.37531909346580505},{"text":"Yep. The main thing too, if you keep going down, so there's a big table of advantages and disadvantages on thirteen and fourteen. Obviously, consolidating super is gonna be a bit easier to manage rather than having two funds, but I did do a pretty heavy comparison in terms of fees and performance, which I need to show you on page fifteen and sixteen. There's just a couple of tables there to look at. Now when you get to 15, you should see a fee comparison table, and I just wanna kind of bring your attention to the right hand column for the time being, if you can make that out. And it should say, like, current, What are the differences? recommended, and then difference. Yep. So we factored in here any kind of buy sell costs, brokerage fees, and capital gains tax for switching all the investments around because we're gonna update the hub portfolio and also switch across the raise.","start_word":813,"end_word":974,"sentiment":"neutral","sentiment_score":0.11338107619020674},{"text":"We've managed to chop the investment fees in half and save a tiny bit on admin fees. Just bear in mind that Rais has a slightly cheaper admin fee for the account itself, but we're managing to get the investment fees quite heavily down and bring the performance back up as well. So we've kind of factored all that in.","start_word":975,"end_word":1034,"sentiment":"positive","sentiment_score":0.4500580430030823},{"text":"You'll probably make up the capital gains tax difference within a year or two just in performance and fee savings. So it wasn't that big of an issue that we thought you wouldn't be able to update the investments under the hood, if that makes sense. Yep. If it was 7,000 or 12,000 of capital gains tax for your super, that would probably give me a moment to pause. Yes. If you go over to the next page, the main figures here. So we've updated a projection for you. Now just bear in mind, this projection for five and ten years, it doesn't factor in contributions at this point just while you're going through the work cover and so on. I've just modeled it on purely fees, taxes, and investment returns. Yep. Bit of grain of salt, but I think we should be able to get you at least 50,000 more over the next ten years without any contributions going in.","start_word":1035,"end_word":1195,"sentiment":"neutral","sentiment_score":0.11748064309358595},{"text":"Once they do go back in one day, that'll kick into gear quite faster.","start_word":1196,"end_word":1209,"sentiment":"positive","sentiment_score":0.3344467878341675},{"text":"But I've put a pretty heavy performance comparison table there for you just showing the portfolio that was in raise, the portfolio that you had in hub, the aggregate of both of them spliced together, and then Mhmm. below that, the new portfolio and hub and then the aggregate across the both. The only difference that I could see there was the one year performance for raise was quite strong. Some of those ETFs Mhmm. that they had were fantastic, but, again, not much difference in three, five, ten years, and all the long term figures. Quick kind of reminder, you wanna be aiming for about 10% or above for a high growth risk profile. So I need to make sure Yep. we're getting a consistent double digits across all time periods.","start_word":1210,"end_word":1341,"sentiment":"neutral","sentiment_score":0.16788047755306418},{"text":"If we still continue to get that 11 to 15%, fantastic, but 10 is the benchmark.","start_word":1342,"end_word":1357,"sentiment":"positive","sentiment_score":0.4218229055404663},{"text":"Yeah. K? Any questions on that so far? You know, it's really self explanatory. Yep. The last couple of tables here is just the investments table. After that, red heading, page 17, And it basically just shows you all the different ETFs that you have inside raise currently, the ones inside hub, and then the very bottom page is just a few that we're mixing in. I have to kind of replace the bank hybrids term deposits because they're being phased out by the government. There's a property funds that's been doing pretty poorly the last few weeks after the the legislation came in for capital gains tax and negative gearing. So I'm gonna have to switch Yep. that one out because the companies there are kind of falling, going under a little bit. We don't wanna hold on to that one. And that Benelon option that was underperforming, we've replaced that with a low fee index fund as well. What's the the the base shares? And The towards the bottom? yeah. The Ruffy r f one. Let's have a look which one's got the Raffi. Sorry. I'm just having a look through all of them there. My computer's lagging. I've got the a 200 there. Yeah. The Us Us 200. There's an what I'm saying should be before the pie So, chart. yeah, the pie chart is the asset allocation. The, RAFI Australia 200, that was another, index funds that follows the Aussie market. We're kind of splicing them together into that one a 200, bit lower fees, bit closer performance to the benchmark. Okay. For that pie chart, basically, we need between 90 to a 100% growth assets. You're sitting at 93. Once we kind of move everything around, you'll probably be sitting just shy of 94. Not too much of a difference in terms of risk level. Yep. K. We've reiterated the advice fees towards the bottom. And as far as implementation goes, if you're comfortable with this strategy and sign off on the consent, we will basically hop online over Friday, do this buy, sells, and trades to switch the investments and send off a rollover request as well. Okay. Yep. Yep. There really wasn't anything else to sort out.","start_word":1358,"end_word":1731,"sentiment":"neutral","sentiment_score":0.018791114144465503},{"text":"Everything in terms of, you know, state planning and insurances was all looking pretty good.","start_word":1732,"end_word":1746,"sentiment":"positive","sentiment_score":0.47313541173934937},{"text":"And, obviously, there's a few things we'd like to kind of revisit with you down the line. But is there anything else that I can kind of help with at this point? No. No. This is all looking pretty good. You guys are on top of all the all the moving with the new registrations coming through, which is I had planned on calling and asking, but, yeah, that's how the interview before then. So that's what.","start_word":1747,"end_word":1823,"sentiment":"neutral","sentiment_score":0.16164809465408325},{"text":"Yeah. Perfect. Yeah. It's one of those really good opportunities where as we're fixing one bad apple, other things have changed, so we may as well just kind of clean it all up in one go.","start_word":1824,"end_word":1859,"sentiment":"positive","sentiment_score":0.398207426071167},{"text":"And, ideally, you'd want a portfolio to have kind of minimal changes over three, five years. Just tweak an option here and there, rebalance it, and so on. Every now and then, the world explodes somewhere and Australia Yeah. changes I got its it. laws, and you've gotta fix it all up in one go. Yeah. I was about to say, like, that's that's usually the case that when you have a major legislation change, and I know that I had quite a bit of at least the, you know, the ST stuff was all, like, property based in Australia. And I'm like, oh, that's not good because it was good before. Yeah. And the sad thing about the ETF space for property is that it doesn't invest directly in properties.","start_word":1860,"end_word":1990,"sentiment":"neutral","sentiment_score":-0.03735421688957069},{"text":"So even if the market itself is doing well, the property companies tend to do a lot worse, and so we see even bigger drops in the companies than the underlying houses.","start_word":1991,"end_word":2022,"sentiment":"negative","sentiment_score":-0.37420281767845154},{"text":"Yeah. But we'll get all that fixed up pretty easily. And basically from that point, I will probably pencil in a bit of a catch up with you in the new year just to kind of see how it's played out for the end of the year. Obviously, normal annual review would still apply, but I just wanna make sure that it behaves the way we expect it to, and we don't need to make any further tweaks in the new year.","start_word":2023,"end_word":2104,"sentiment":"neutral","sentiment_score":0.14177872240543363},{"text":"Cool.","start_word":2105,"end_word":2105,"sentiment":"positive","sentiment_score":0.3781944513320923},{"text":"I will just quickly double check implementation side of things because we've had some new updates to the anti money laundering laws. Just need to make sure I have ID up to date. And I'm just having a look at your ID on file just quickly, which expires. I believe you probably renewed your license maybe a month ago. Yes. So what I might do, if it's okay with you, is Yes. New lessons due possible. yeah. I might get Michelle just to to flick through a message on our ID certification phone. And if you could maybe send through a photo clear back and front photo, we can recertify that. And that way, it's up to date on file when we go to implement the advice. Yep. Is that okay? Yeah. No worries.","start_word":2106,"end_word":2239,"sentiment":"neutral","sentiment_score":0.176321342587471},{"text":"Perfect.","start_word":2240,"end_word":2240,"sentiment":"positive","sentiment_score":0.5363813042640686},{"text":"Anything else I can help with before I let you go, Bevan? Yeah. No.","start_word":2241,"end_word":2254,"sentiment":"neutral","sentiment_score":0.1804174929857254},{"text":"I'm good with that. Cool. Well, fingers crossed the world settles down a little bit, and we can have some positive news in our next catch up about how the market soared back and the returns are fantastic, or it can remain on fire and we can keep checking that it's doing what it's supposed to. Yep. Awesome, mate. Thank you so much for your time, and you'll probably hear from Michelle towards the end of this afternoon.","start_word":2255,"end_word":2332,"sentiment":"positive","sentiment_score":0.5743021368980408},{"text":"Yep.","start_word":2333,"end_word":2333,"sentiment":"neutral","sentiment_score":0.30476710200309753},{"text":"No problem. Thanks, man. Have a great day. Bye.","start_word":2334,"end_word":2342,"sentiment":"positive","sentiment_score":0.6349927186965942}],"average":{"sentiment":"neutral","sentiment_score":0.13817043844889168}}}}