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I had you booked in for a little bit of a catch up just to kind of go through the research I've I've I did for your super investments. Is now still a good time? Yeah. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just for security purposes, just so that I can confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Yep. Yep. Yep. Perfect. That's exactly what I have here. And how's your day been? Been busy? Yes. That's good. Lucky you. Now, Tony, do you have access to your emails at the moment? Okay. Beautiful. So what I have done is I have to send you an email with the recommendation to go over with you. So if you could access that when you have a moment. Nothing yet? Okay. Let's have a look. And there's nothing in spam either? Alright. Let me see let me see if it was sent. Yeah. It showed up on my side that it was sent two minutes ago. I might give it a couple of minutes. Then if it still hasn't come through, then I will just resend it. Because sometimes with it is a bit of it looks like it's a bit of a storm here where we're at, so it could be a little bit little bit delayed. But are you happy for me to kind of go through some of the information? And in a couple of minutes, if it hasn't come through, then I'll just resend it to you? Yep. Okay. Perfect. Now every time we do make a recommendation on changing anything, so when we do making recommendations on financial products and make tailored financial advice, we have to put everything in a statement of advice for you, which is the one I have sent when it does come through. Now a lot of it is just for compliance purposes, so it is about 29 pages. I won't take that long with you, but it is just from a compliance point so that you understand everything as well. A lot of it is quite worth it, but it is so that you can take a moment and read over everything as well at your own time. But a lot of it is just for compliances. So I will try my best to make it as quick as I can for you. Now it has been tailored specifically for you. And on the cover page, when it does come through, it will have my details listed. So you will have my name, my authorized representative number, and I am licensed under OCU Financial. Now every time we do make a recommendation as well, we do have to follow something that's called their best interest duty. Have you heard of that before? No. So, basically, what it means is that we have to put your best interest above anything we do every time we do make a recommendation. So put you first essentially every single time, and we also have to make sure that the advice itself puts you in a better position as a result of the advice. Otherwise, I can't actually make the recommendation. Does that make sense? Yes. Beautiful. Now I have to try to resend it to you. So, hopefully let me just check here. Still nothing? Usually, by now, it should have come through. I'll have a little refresh on my end and see. Oh, it came through? Oh, amazing. Must have just been a bit of a delay because of the the storm. But at least that came through, which is great. Sorry. Let me know when you can see it. Yeah. Yep. No. That's okay. Take your time. Yes. Yep. I'm sorry. When you click on the link sorry. So you will see in the email, there was a couple of attachments. Now they are just researched for you. So we have to make sure we provide you with the research as well, and there's a bit of information. But if you click on the link where it says sign now, it will allow you to open up and view everything fast before it prompts you to sign anything. And can you now say see where it's a statement of advice, and there's a photo of the Gold Coast? Yeah. Beautiful. Yep. So if you scroll down, so the second page is that best interest duty I just mentioned for you. You'll then have table of content, pretty self explanatory, which then takes us through page three, which is scope of advice. So, basically, today, it is pretty straightforward. The scope of advice is the areas we are looking at in this advice piece, essentially. So pretty straightforward today. The only thing we are looking at is your superannuation just to make sure that's all set up correctly for you and if we wanted to make any changes to any investments that was potentially underperforming a little bit. So it is pretty straightforward today. We are not making any changes to insurances or anything like that. Otherwise, if it is something down to track you do wanna look at, if you wanna change insurances or, you know, you want a bit more cash flow advice or how to save for property, whatever it might be later as well, just let us know. We can always book you in for a bit of a catch up to go through anything else as well. Yep. Perfect. Now, otherwise, if you can scroll through to page six for me, it should say our advice to you. Can you see that? Yep. Perfect. So, basically, today, I have recommended that you stay with hub twenty four and just change your investment. So I have done a lot of research on Hub twenty four as well just to make sure it's still the best super fund option out there for you. And at the moment, it still is. So it's really competitive when it comes to prices for similar competitors that still allows us to do a lot of flexibility within investment, features, and stuff like that. So I have recommended that you stay in Hub twenty four. Now I use hub 24 for my personal super as well. And I do think it is good. And if it wasn't competitive for you, I would recommend another option. At the moment, it is still really competitive, though, but it is good for us to do research every now and then because there's always new products and features that comes out, and there's nothing tying us to one option. So if there's ever is another option out there for you, I will let you know. But at the moment, Hub twenty four is is doing doing the job so far. Yep. Perfect. Now on the next two pages, it's just some personal information. If you could just have a quick read over that for me just to make sure that's all kind of looking looking up to date or if I need to make any changes in the back end for you. Good. Yeah. Amazing. Which then takes us to page nine, which is just your current super in the insurances. I'll kind of skip over this section a bit because we did go through what you have in insurances and stuff in the annual review, and because we're just looking at your superannuation. Now if you can then scroll so as you kind of keep scrolling for me, you will see a section where it says your risk profile, and that basically just talks about when we went through last time those questions in regards to how you feel about volatility and and risk and stuff. And at the moment, you said you were quite happy to stay in the same risk profile. So we are keeping you in the same high growth portfolio. You still have plenty of time until retirement. So you do have that time to take advantage of growing your superannuation. So not making any changes when it comes to that. Now, usually, what is easier from here is if you can actually scroll down to page 20 for me, you should see a fee comparison table. Yeah. Now some of the information you you did scroll through, it basically outlines what I'm about to tell you in a little bit more detail just in words, but I often find that seeing the table with the numbers is easier for people to kind of visualize it. But, basically, this is the recommendation. So you can see here your current superannuation, the total fees, and the five year rolling average. And you can also see the recommended. So, again, keeping you in Hub 24, not changing contributions or insurances or our fees or anything like that. I'm just literally changing investment. Now what I have recommended for you, it is a little bit of a change to how your investment is set up. So what I have recommended is that we actually change it through something that's called an SMA. So not a self managed super fund, an SMA, which is a self managed account. Have you heard about that before? No. No. And if it is as well, it is we put a bit of information in regards to it because it is something new. We have recently joined with BlackRock. Have you heard of BlackRock before? They are one of the biggest investment managers in the world, actually. Have you heard of BlackRock? No. You can definitely Google them and start. They aren't massive. But we have recently teamed up with BlackRock and created our own. It is called an SMA. So what it is, it's still very much similar to your your previous investments in the way that things work. But, basically, what it allows us to do is we can very Hub twenty four. Now when you go into Hub twenty four, how it will look on your side is that you'll have 50% sorry, 70% in an estimate that's called bloom and 30% in one that's called catalyst. The only reason it has that slip is to give you the asset allocation allocation matching your risk profile of a high growth. If you then click on it, you will actually still see all the underlying investments. So you can still have full oversight of it. The biggest difference of why it is so competitive is, at the moment, the way that things are structured so, for example, with the Benelon that we talked a little bit about last time being a little bit underperforming. Now the way that things are currently, if we wanted to go ahead and make the change, we would obviously still go and do the research, but I would then have to put everything in this statement of advice for you and run through it with you. You'd have to sign the document to say that you're happy with it, and then we will go ahead and make the change. So as you can imagine, sometimes that takes a little bit of a time because it's also finding a time where I'm available and you're available to try to tee it up. And the market, there is a lot that can happen quite quickly in the market. So we we've kind of been like, okay. Well, how can we make it quicker and more streamlined for you? But also meaning that you don't have to be involved in every single aspect if it's a quick investment change. So with the SMA, what it allows us to do is that we can quickly make those changes in the back end. Because what it looks like from you is that you are invested 70% in that blue email I mentioned and 30 in catalyst, which gives us the option of the underlying investments that you have within them. We can chop and change depending on what is going in the market. So we can do that very quickly. If we foresee one coming down, we wanna sell out of it before it drops, or if there's another one where we foresee potentially going through increase a little bit or, obviously, with, you know, interest and everything that's happening in the world, we can very quickly make those changes without having to go through this process that we've done now. It also allows us to utilizes BlackRock's research and tools and everything like that. So our investment team, along with BlackRock, which is one of the invest the biggest investment managers in the world, teaming together to build a tailored portfolio and constantly catching up about different market trends of what's happening. So it allows us to do things a little bit more proactively for you while still making sure that we, obviously, follow that best interest. We always have to do that to make sure we put you in a better position and follow your goals. And we can still very much let you know when a change is happening. So you still have oversight. When you log in to your hub 24, like I said, you can still see all the underlying investment when you click on it. It just basically takes away from a compliance point this process, and it means that we can do things quicker for you if we have to. Does that make sense? Yep. Yes. So, basically, what I have is said as well, it is outlined in the SOA in words for you as well because it is sometimes a little bit to get through with the research materials, the kind of what you saw before you clicked onto the document. There is a full product disclosure statement in regards to it that goes into a lot more in-depth. But the biggest thing is it does save time on the compliance, but we can proactively do it along with, yeah, joining forces with them through coming up with the best options for you at all points in time. Now the other good thing is that by doing so, so on the page that you are on at the moment, so in Hub 24, they have different accounts depending on different investment choices. So with the SMA, it is available on another account. So still within up 24, that is a little bit cheaper. So what it means is that it's actually saving you a $180 a year in admin fees alone because it's on a cheaper product, but it still allows the estimate on there, which is great. So for you, you save a $180 a year in admin fees, which is great. And the investment fees as well is cheaper. So the investment in the estimate there for you, it is saving a $195 a year in fees alone. So, again, overall, reducing your fees, and it is making the fees about $355 cheaper per year, which is pretty good. Yeah. Yeah. Exactly. The biggest thing is also the return. So with the the SMA so we use historical returns when we are using this for projection purposes. But the good thing with the SMA is that it allows us moving forward in the future because we can make those proactive choices for you. We should see a a bigger difference as well because we can then use that forecast for you and making changes. So the really good thing with the SMA as well is that it is outperforming your current one with quite a bit, which which is great. So it is cheaper, but it's also outperforming in terms of performance. Yes. So it it's great. And it's still keeping the same risk. So it's not we're taking on more risk or anything like that. It is keeping the level of fluctuation within that high growth for you, but it is improving. So, overall, that is what I have recommended. Do you have any questions in regards to, like, the SMA or or any of that, or is it fairly straightforward? No. Yeah. No. Beautiful. Now let me see here how that looks in that asset allocation I mentioned. If you just wanna scroll up one page to page 19 for me. Yep. Now that then shows you the asset allocation. So you can see here the the second column, it says risk profile. That is the the ninety ten split. We then have existing, which is how you are currently invested. And then we have proposed, which is what the new portfolio will look like. So you can see that they are both quite similar when it comes through how much growth and how much defensive we have in it. So it's not really changing much in that area because we do wanna make it consistent for you. We don't wanna take on more risk. We were basically trying to aim of, okay, what can we do to reduce the fee? Also makes things a little bit quicker for you in compliance and improve those returns for you. Beautiful. Now the last thing I do wanna mention is the remuneration. Now that is page 24. Yep. Perfect. Now I just wanna go through this again so that you do no no changes whatsoever in regards to the fee structure. So if after today you are happy and you would like to go ahead with the change there, Tony, there is no additional fees or charges whatsoever. It is all part of the ongoing advice fee. So no additional fees and charges. Again, it stays exactly the same at 1.65 from your superannuation. Now you can also see that I have included your AIA insurances here. The only reason it is included is for compliances. Every time we do get commissions, we have to disclose it to you so that you are fully aware. But I do wanna let you know that the 22% of the premium for AIA, it is AIA paying us. It is not you paying us. Before compliances, we have to disclose it so you are fully aware. Yeah. And it is the same for every single insurer out there. So it would not say us in any way to recommend one provider over the other. It is exactly the same for every single insurer and for every adviser as well. Does that make sense? Yeah. Beautiful. But that is not you paying us if you see it, but just so that you are aware. Which basically is everything there, Tony. So on on the next couple of pages, you will see us the way to proceed. That is outlined that if you are happy to go ahead, what we are looking at doing, which is keeping your hub 24, literally just moving you to that, estimate and changing some of those investments for you. So pretty nice and easy today. So do you have any questions for me, or what are your thoughts on all of this, Toni? Quite happy? Yes. Yeah. Yeah. Beautiful. So, basically, from here, if you would like to take some time to have a read over the documents, you're more than welcome to. When you do have a read over it or if you are happy to go ahead, from here, it would be to press start in the document, and it will then ask you to add a signature and a date. And then it will once you've done that, it should say validate. No. That's okay. Is is that a little text box? You could just put NA. It is just a box yeah. It's just a box that allows you to if you would like to change anything, you can type it here. So if you're like, no. I don't like this. I would like to change it to this. This just allows you to type it here. But, otherwise, you could just put NA or full stop. It just then it takes you to the next, which should just be the the signature and the date, hopefully, if technology is agreeing with me today. Yep. Perfect. No. That's and it could also be because, yeah, Internet's because it is a bit of a storm here at the moment. It seems like it's running a little bit slower. So I will just refresh here and see if it comes through. It could be if it did say validate on your end, it could just be on its way, which is fine. Should be all good. Okay. Perfect. I'll keep a little look at at that. Oh, yep. That's just come through, which is fantastic. So I will let the team know that we'll go ahead and make this investment change for you. You should see it in your hub 24 as well when it's changed. And like I said, you can still click on the SMA, and you can still see the underlying investments if it is something that you you want to see or keep a look at. But I'll But, otherwise, it's all in there for you. If there is any other questions or anything that you need at any point in time, though, you can always give me a call or send me an email. It doesn't have to be a under review time. But if not, we'll obviously touch base next under review time and see how everything is progressing and how it's all going and if you want any more advice and anything. But like I said, you can give me a call whenever you want through if if anything you do wanna discuss. Yep. Beautiful. Well, thank you so much for your time this afternoon, and I will let you go and enjoy the rest of your afternoon, Tony. Mhmm. No problem at all. We'll speak soon. Mhmm. You too. 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afternoon. Is this Toni? This is Veronica from Financial. How are you? I'm good.\n\nThanks. I had you booked in for a little bit of a catch up just to kind of go through the research I've I've I did for your super investments. Is now still a good time? Yeah. Perfect.\n\nNow just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just for security purposes, just so that I can confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Yep. Yep.\n\nYep. Perfect. That's exactly what I have here. And how's your day been? Been busy?\n\nYes. That's good. Lucky you. Now, Tony, do you have access to your emails at the moment? Okay.\n\nBeautiful. So what I have done is I have to send you an email with the recommendation to go over with you. So if you could access that when you have a moment. Nothing yet? Okay.\n\nLet's have a look. And there's nothing in spam either? Alright. Let me see let me see if it was sent. Yeah.\n\nIt showed up on my side that it was sent two minutes ago. I might give it a couple of minutes. Then if it still hasn't come through, then I will just resend it. Because sometimes with it is a bit of it looks like it's a bit of a storm here where we're at, so it could be a little bit little bit delayed. But are you happy for me to kind of go through some of the information?\n\nAnd in a couple of minutes, if it hasn't come through, then I'll just resend it to you? Yep. Okay. Perfect. Now every time we do make a recommendation on changing anything, so when we do making recommendations on financial products and make tailored financial advice, we have to put everything in a statement of advice for you, which is the one I have sent when it does come through.\n\nNow a lot of it is just for compliance purposes, so it is about 29 pages. I won't take that long with you, but it is just from a compliance point so that you understand everything as well. A lot of it is quite worth it, but it is so that you can take a moment and read over everything as well at your own time. But a lot of it is just for compliances. So I will try my best to make it as quick as I can for you.\n\nNow it has been tailored specifically for you. And on the cover page, when it does come through, it will have my details listed. So you will have my name, my authorized representative number, and I am licensed under OCU Financial. Now every time we do make a recommendation as well, we do have to follow something that's called their best interest duty. Have you heard of that before?\n\nNo. So, basically, what it means is that we have to put your best interest above anything we do every time we do make a recommendation. So put you first essentially every single time, and we also have to make sure that the advice itself puts you in a better position as a result of the advice. Otherwise, I can't actually make the recommendation. Does that make sense?\n\nYes. Beautiful. Now I have to try to resend it to you. So, hopefully let me just check here. Still nothing?\n\nUsually, by now, it should have come through. I'll have a little refresh on my end and see. Oh, it came through? Oh, amazing. Must have just been a bit of a delay because of the the storm.\n\nBut at least that came through, which is great. Sorry. Let me know when you can see it. Yeah. Yep.\n\nNo. That's okay. Take your time. Yes. Yep.\n\nI'm sorry. When you click on the link sorry. So you will see in the email, there was a couple of attachments. Now they are just researched for you. So we have to make sure we provide you with the research as well, and there's a bit of information.\n\nBut if you click on the link where it says sign now, it will allow you to open up and view everything fast before it prompts you to sign anything. And can you now say see where it's a statement of advice, and there's a photo of the Gold Coast? Yeah. Beautiful. Yep.\n\nSo if you scroll down, so the second page is that best interest duty I just mentioned for you. You'll then have table of content, pretty self explanatory, which then takes us through page three, which is scope of advice. So, basically, today, it is pretty straightforward. The scope of advice is the areas we are looking at in this advice piece, essentially. So pretty straightforward today.\n\nThe only thing we are looking at is your superannuation just to make sure that's all set up correctly for you and if we wanted to make any changes to any investments that was potentially underperforming a little bit. So it is pretty straightforward today. We are not making any changes to insurances or anything like that. Otherwise, if it is something down to track you do wanna look at, if you wanna change insurances or, you know, you want a bit more cash flow advice or how to save for property, whatever it might be later as well, just let us know. We can always book you in for a bit of a catch up to go through anything else as well.\n\nYep. Perfect. Now, otherwise, if you can scroll through to page six for me, it should say our advice to you. Can you see that? Yep.\n\nPerfect. So, basically, today, I have recommended that you stay with hub twenty four and just change your investment. So I have done a lot of research on Hub twenty four as well just to make sure it's still the best super fund option out there for you. And at the moment, it still is. So it's really competitive when it comes to prices for similar competitors that still allows us to do a lot of flexibility within investment, features, and stuff like that.\n\nSo I have recommended that you stay in Hub twenty four. Now I use hub 24 for my personal super as well. And I do think it is good. And if it wasn't competitive for you, I would recommend another option. At the moment, it is still really competitive, though, but it is good for us to do research every now and then because there's always new products and features that comes out, and there's nothing tying us to one option.\n\nSo if there's ever is another option out there for you, I will let you know. But at the moment, Hub twenty four is is doing doing the job so far. Yep. Perfect. Now on the next two pages, it's just some personal information.\n\nIf you could just have a quick read over that for me just to make sure that's all kind of looking looking up to date or if I need to make any changes in the back end for you. Good. Yeah. Amazing. Which then takes us to page nine, which is just your current super in the insurances.\n\nI'll kind of skip over this section a bit because we did go through what you have in insurances and stuff in the annual review, and because we're just looking at your superannuation. Now if you can then scroll so as you kind of keep scrolling for me, you will see a section where it says your risk profile, and that basically just talks about when we went through last time those questions in regards to how you feel about volatility and and risk and stuff. And at the moment, you said you were quite happy to stay in the same risk profile. So we are keeping you in the same high growth portfolio. You still have plenty of time until retirement.\n\nSo you do have that time to take advantage of growing your superannuation. So not making any changes when it comes to that. Now, usually, what is easier from here is if you can actually scroll down to page 20 for me, you should see a fee comparison table. Yeah. Now some of the information you you did scroll through, it basically outlines what I'm about to tell you in a little bit more detail just in words, but I often find that seeing the table with the numbers is easier for people to kind of visualize it.\n\nBut, basically, this is the recommendation. So you can see here your current superannuation, the total fees, and the five year rolling average. And you can also see the recommended. So, again, keeping you in Hub 24, not changing contributions or insurances or our fees or anything like that. I'm just literally changing investment.\n\nNow what I have recommended for you, it is a little bit of a change to how your investment is set up. So what I have recommended is that we actually change it through something that's called an SMA. So not a self managed super fund, an SMA, which is a self managed account. Have you heard about that before? No.\n\nNo. And if it is as well, it is we put a bit of information in regards to it because it is something new. We have recently joined with BlackRock. Have you heard of BlackRock before? They are one of the biggest investment managers in the world, actually.\n\nHave you heard of BlackRock? No. You can definitely Google them and start. They aren't massive. But we have recently teamed up with BlackRock and created our own.\n\nIt is called an SMA. So what it is, it's still very much similar to your your previous investments in the way that things work. But, basically, what it allows us to do is we can very Hub twenty four. Now when you go into Hub twenty four, how it will look on your side is that you'll have 50% sorry, 70% in an estimate that's called bloom and 30% in one that's called catalyst. The only reason it has that slip is to give you the asset allocation allocation matching your risk profile of a high growth.\n\nIf you then click on it, you will actually still see all the underlying investments. So you can still have full oversight of it. The biggest difference of why it is so competitive is, at the moment, the way that things are structured so, for example, with the Benelon that we talked a little bit about last time being a little bit underperforming. Now the way that things are currently, if we wanted to go ahead and make the change, we would obviously still go and do the research, but I would then have to put everything in this statement of advice for you and run through it with you. You'd have to sign the document to say that you're happy with it, and then we will go ahead and make the change.\n\nSo as you can imagine, sometimes that takes a little bit of a time because it's also finding a time where I'm available and you're available to try to tee it up. And the market, there is a lot that can happen quite quickly in the market. So we we've kind of been like, okay. Well, how can we make it quicker and more streamlined for you? But also meaning that you don't have to be involved in every single aspect if it's a quick investment change.\n\nSo with the SMA, what it allows us to do is that we can quickly make those changes in the back end. Because what it looks like from you is that you are invested 70% in that blue email I mentioned and 30 in catalyst, which gives us the option of the underlying investments that you have within them. We can chop and change depending on what is going in the market. So we can do that very quickly. If we foresee one coming down, we wanna sell out of it before it drops, or if there's another one where we foresee potentially going through increase a little bit or, obviously, with, you know, interest and everything that's happening in the world, we can very quickly make those changes without having to go through this process that we've done now.\n\nIt also allows us to utilizes BlackRock's research and tools and everything like that. So our investment team, along with BlackRock, which is one of the invest the biggest investment managers in the world, teaming together to build a tailored portfolio and constantly catching up about different market trends of what's happening. So it allows us to do things a little bit more proactively for you while still making sure that we, obviously, follow that best interest. We always have to do that to make sure we put you in a better position and follow your goals. And we can still very much let you know when a change is happening.\n\nSo you still have oversight. When you log in to your hub 24, like I said, you can still see all the underlying investment when you click on it. It just basically takes away from a compliance point this process, and it means that we can do things quicker for you if we have to. Does that make sense? Yep.\n\nYes. So, basically, what I have is said as well, it is outlined in the SOA in words for you as well because it is sometimes a little bit to get through with the research materials, the kind of what you saw before you clicked onto the document. There is a full product disclosure statement in regards to it that goes into a lot more in-depth. But the biggest thing is it does save time on the compliance, but we can proactively do it along with, yeah, joining forces with them through coming up with the best options for you at all points in time. Now the other good thing is that by doing so, so on the page that you are on at the moment, so in Hub 24, they have different accounts depending on different investment choices.\n\nSo with the SMA, it is available on another account. So still within up 24, that is a little bit cheaper. So what it means is that it's actually saving you a $180 a year in admin fees alone because it's on a cheaper product, but it still allows the estimate on there, which is great. So for you, you save a $180 a year in admin fees, which is great. And the investment fees as well is cheaper.\n\nSo the investment in the estimate there for you, it is saving a $195 a year in fees alone. So, again, overall, reducing your fees, and it is making the fees about $355 cheaper per year, which is pretty good. Yeah. Yeah. Exactly.\n\nThe biggest thing is also the return. So with the the SMA so we use historical returns when we are using this for projection purposes. But the good thing with the SMA is that it allows us moving forward in the future because we can make those proactive choices for you. We should see a a bigger difference as well because we can then use that forecast for you and making changes. So the really good thing with the SMA as well is that it is outperforming your current one with quite a bit, which which is great.\n\nSo it is cheaper, but it's also outperforming in terms of performance. Yes. So it it's great. And it's still keeping the same risk. So it's not we're taking on more risk or anything like that.\n\nIt is keeping the level of fluctuation within that high growth for you, but it is improving. So, overall, that is what I have recommended. Do you have any questions in regards to, like, the SMA or or any of that, or is it fairly straightforward? No. Yeah.\n\nNo. Beautiful. Now let me see here how that looks in that asset allocation I mentioned. If you just wanna scroll up one page to page 19 for me. Yep.\n\nNow that then shows you the asset allocation. So you can see here the the second column, it says risk profile. That is the the ninety ten split. We then have existing, which is how you are currently invested. And then we have proposed, which is what the new portfolio will look like.\n\nSo you can see that they are both quite similar when it comes through how much growth and how much defensive we have in it. So it's not really changing much in that area because we do wanna make it consistent for you. We don't wanna take on more risk. We were basically trying to aim of, okay, what can we do to reduce the fee? Also makes things a little bit quicker for you in compliance and improve those returns for you.\n\nBeautiful. Now the last thing I do wanna mention is the remuneration. Now that is page 24. Yep. Perfect.\n\nNow I just wanna go through this again so that you do no no changes whatsoever in regards to the fee structure. So if after today you are happy and you would like to go ahead with the change there, Tony, there is no additional fees or charges whatsoever. It is all part of the ongoing advice fee. So no additional fees and charges. Again, it stays exactly the same at 1.65 from your superannuation.\n\nNow you can also see that I have included your AIA insurances here. The only reason it is included is for compliances. Every time we do get commissions, we have to disclose it to you so that you are fully aware. But I do wanna let you know that the 22% of the premium for AIA, it is AIA paying us. It is not you paying us.\n\nBefore compliances, we have to disclose it so you are fully aware. Yeah. And it is the same for every single insurer out there. So it would not say us in any way to recommend one provider over the other. It is exactly the same for every single insurer and for every adviser as well.\n\nDoes that make sense? Yeah. Beautiful. But that is not you paying us if you see it, but just so that you are aware. Which basically is everything there, Tony.\n\nSo on on the next couple of pages, you will see us the way to proceed. That is outlined that if you are happy to go ahead, what we are looking at doing, which is keeping your hub 24, literally just moving you to that, estimate and changing some of those investments for you. So pretty nice and easy today. So do you have any questions for me, or what are your thoughts on all of this, Toni? Quite happy?\n\nYes. Yeah. Yeah. Beautiful. So, basically, from here, if you would like to take some time to have a read over the documents, you're more than welcome to.\n\nWhen you do have a read over it or if you are happy to go ahead, from here, it would be to press start in the document, and it will then ask you to add a signature and a date. And then it will once you've done that, it should say validate. No. That's okay. Is is that a little text box?\n\nYou could just put NA. It is just a box yeah. It's just a box that allows you to if you would like to change anything, you can type it here. So if you're like, no. I don't like this.\n\nI would like to change it to this. This just allows you to type it here. But, otherwise, you could just put NA or full stop. It just then it takes you to the next, which should just be the the signature and the date, hopefully, if technology is agreeing with me today. Yep.\n\nPerfect. No. That's and it could also be because, yeah, Internet's because it is a bit of a storm here at the moment. It seems like it's running a little bit slower. So I will just refresh here and see if it comes through.\n\nIt could be if it did say validate on your end, it could just be on its way, which is fine. Should be all good. Okay. Perfect. I'll keep a little look at at that.\n\nOh, yep. That's just come through, which is fantastic. So I will let the team know that we'll go ahead and make this investment change for you. You should see it in your hub 24 as well when it's changed. And like I said, you can still click on the SMA, and you can still see the underlying investments if it is something that you you want to see or keep a look at.\n\nBut I'll But, otherwise, it's all in there for you. If there is any other questions or anything that you need at any point in time, though, you can always give me a call or send me an email. It doesn't have to be a under review time. But if not, we'll obviously touch base next under review time and see how everything is progressing and how it's all going and if you want any more advice and anything. But like I said, you can give me a call whenever you want through if if anything you do wanna discuss.\n\nYep. Beautiful. Well, thank you so much for your time this afternoon, and I will let you go and enjoy the rest of your afternoon, Tony. Mhmm. No problem at all.\n\nWe'll speak soon. Mhmm. You too. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":1.92,"end":2.6399999,"sentiment":"neutral","sentiment_score":0.20492835342884064},{"text":"Is this Toni?","start":2.6399999,"end":3.54,"sentiment":"neutral","sentiment_score":0.10472477972507477},{"text":"This is Veronica from Financial.","start":5.12,"end":6.8999996,"sentiment":"neutral","sentiment_score":0.17057844996452332},{"text":"How are you?","start":7.3599997,"end":8.18,"sentiment":"neutral","sentiment_score":0.15767118334770203},{"text":"I'm good.","start":10.16,"end":10.719999,"sentiment":"positive","sentiment_score":0.4649536907672882}],"sentiment":"neutral","sentiment_score":0.19865628182888032,"num_words":15,"start":1.92,"end":10.719999},{"sentences":[{"text":"Thanks.","start":10.719999,"end":11.219999,"sentiment":"positive","sentiment_score":0.5543227791786194},{"text":"I had you booked in for a little bit of a catch up just to kind of go through the research I've I've I did for your super investments.","start":12.125,"end":19.505001,"sentiment":"neutral","sentiment_score":0.2132973455149552},{"text":"Is now still a good time?","start":19.565,"end":20.945,"sentiment":"neutral","sentiment_score":0.18025516718626022},{"text":"Yeah.","start":22.045,"end":22.545,"sentiment":"neutral","sentiment_score":0.0946233868598938},{"text":"Perfect.","start":22.845001,"end":23.345001,"sentiment":"neutral","sentiment_score":0.32575738430023193}],"sentiment":"neutral","sentiment_score":0.21689098877342125,"num_words":38,"start":10.719999,"end":23.345001},{"sentences":[{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":24.045,"end":31.050001,"sentiment":"neutral","sentiment_score":0.05015415807479415},{"text":"Perfect.","start":33.03,"end":33.53,"sentiment":"neutral","sentiment_score":0.20859086513519287},{"text":"And just for security purposes, just so that I can confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?","start":33.75,"end":43.165,"sentiment":"neutral","sentiment_score":0.07039391746123631},{"text":"Yep.","start":45.785,"end":46.285,"sentiment":"neutral","sentiment_score":0.013423630967736244},{"text":"Yep.","start":48.825,"end":49.325,"sentiment":"neutral","sentiment_score":0.030981501564383507}],"sentiment":"neutral","sentiment_score":0.06200716704703294,"num_words":65,"start":24.045,"end":49.325},{"sentences":[{"text":"Yep.","start":52.92,"end":53.32,"sentiment":"neutral","sentiment_score":0.11758458614349364},{"text":"Perfect.","start":53.32,"end":53.72,"sentiment":"positive","sentiment_score":0.4230121374130249},{"text":"That's exactly what I have here.","start":53.72,"end":55.239998,"sentiment":"positive","sentiment_score":0.4325481802225113},{"text":"And how's your day been?","start":55.239998,"end":56.28,"sentiment":"neutral","sentiment_score":0.11720702350139618},{"text":"Been busy?","start":56.28,"end":57.1,"sentiment":"neutral","sentiment_score":0.02433735877275467}],"sentiment":"neutral","sentiment_score":0.2513730426629384,"num_words":15,"start":52.92,"end":57.1},{"sentences":[{"text":"Yes.","start":60.68,"end":61.18,"sentiment":"neutral","sentiment_score":0.27909407019615173},{"text":"That's good.","start":61.32,"end":62.12,"sentiment":"positive","sentiment_score":0.47583334147930145},{"text":"Lucky you.","start":62.12,"end":63.02,"sentiment":"positive","sentiment_score":0.47253812849521637},{"text":"Now, Tony, do you have access to your emails at the moment?","start":65.065,"end":67.485,"sentiment":"neutral","sentiment_score":0.031942599918693304},{"text":"Okay.","start":69.305,"end":69.705,"sentiment":"neutral","sentiment_score":0.1656133085489273}],"sentiment":"neutral","sentiment_score":0.15137563987324634,"num_words":18,"start":60.68,"end":69.705},{"sentences":[{"text":"Beautiful.","start":69.705,"end":70.205,"sentiment":"neutral","sentiment_score":0.32773250341415405},{"text":"So what I have done is I have to send you an email with the recommendation to go over with you.","start":70.424995,"end":77.165,"sentiment":"neutral","sentiment_score":0.14568058117514565},{"text":"So if you could access that when you have a moment.","start":77.75,"end":80.89,"sentiment":"neutral","sentiment_score":0.04086660102687099},{"text":"Nothing yet?","start":95.365,"end":96.245,"sentiment":"neutral","sentiment_score":-0.05143804848194122},{"text":"Okay.","start":96.245,"end":96.565,"sentiment":"neutral","sentiment_score":-0.01423107087612152}],"sentiment":"neutral","sentiment_score":0.10331805976521638,"num_words":36,"start":69.705,"end":96.565},{"sentences":[{"text":"Let's have a look.","start":96.565,"end":96.965,"sentiment":"neutral","sentiment_score":-0.007852079346776009},{"text":"And there's nothing in spam either?","start":96.965,"end":98.745,"sentiment":"neutral","sentiment_score":-0.04942710076769193},{"text":"Alright.","start":105.54,"end":105.86,"sentiment":"neutral","sentiment_score":-0.03325941413640976},{"text":"Let me see let me see if it was sent.","start":105.86,"end":110.84,"sentiment":"neutral","sentiment_score":-0.042714470997452736},{"text":"Yeah.","start":117.314995,"end":117.55499,"sentiment":"neutral","sentiment_score":0.0002841949462890625}],"sentiment":"neutral","sentiment_score":-0.03582231141626835,"num_words":22,"start":96.565,"end":117.55499},{"sentences":[{"text":"It showed up on my side that it was sent two minutes ago.","start":117.55499,"end":120.854996,"sentiment":"neutral","sentiment_score":0.0008971251260775786},{"text":"I might give it a couple of minutes.","start":121.954994,"end":123.634995,"sentiment":"neutral","sentiment_score":0.0008887378498911858},{"text":"Then if it still hasn't come through, then I will just resend it.","start":123.634995,"end":127.02,"sentiment":"neutral","sentiment_score":-0.025121760053130295},{"text":"Because sometimes with it is a bit of it looks like it's a bit of a storm here where we're at, so it could be a little bit little bit delayed.","start":127.18,"end":134.31999,"sentiment":"neutral","sentiment_score":-0.1076329261545212},{"text":"But are you happy for me to kind of go through some of the information?","start":136.06,"end":140.0,"sentiment":"neutral","sentiment_score":0.2889469136794408}],"sentiment":"neutral","sentiment_score":0.008622158039361238,"num_words":80,"start":117.55499,"end":140.0},{"sentences":[{"text":"And in a couple of minutes, if it hasn't come through, then I'll just resend it to you?","start":140.14,"end":145.085,"sentiment":"neutral","sentiment_score":0.13577346483038533},{"text":"Yep.","start":146.505,"end":146.82501,"sentiment":"neutral","sentiment_score":0.31349462270736694},{"text":"Okay.","start":146.82501,"end":147.32501,"sentiment":"positive","sentiment_score":0.5415003299713135},{"text":"Perfect.","start":147.38501,"end":147.88501,"sentiment":"positive","sentiment_score":0.6908900737762451},{"text":"Now every time we do make a recommendation on changing anything, so when we do making recommendations on financial products and make tailored financial advice, we have to put everything in a statement of advice for you, which is the one I have sent when it does come through.","start":149.145,"end":165.56,"sentiment":"neutral","sentiment_score":0.21066577002710227}],"sentiment":"neutral","sentiment_score":0.20446328749614104,"num_words":70,"start":140.14,"end":165.56},{"sentences":[{"text":"Now a lot of it is just for compliance purposes, so it is about 29 pages.","start":166.02,"end":171.08,"sentiment":"neutral","sentiment_score":0.06589351105503738},{"text":"I won't take that long with you, but it is just from a compliance point so that you understand everything as well.","start":171.935,"end":178.195,"sentiment":"neutral","sentiment_score":0.13414189964532852},{"text":"A lot of it is quite worth it, but it is so that you can take a moment and read over everything as well at your own time.","start":178.335,"end":184.755,"sentiment":"positive","sentiment_score":0.3593673290950911},{"text":"But a lot of it is just for compliances.","start":185.56,"end":187.58,"sentiment":"neutral","sentiment_score":0.07255995273590088},{"text":"So I will try my best to make it as quick as I can for you.","start":188.52,"end":191.81999,"sentiment":"neutral","sentiment_score":0.23750340286642313}],"sentiment":"neutral","sentiment_score":0.2035252440024863,"num_words":91,"start":166.02,"end":191.81999},{"sentences":[{"text":"Now it has been tailored specifically for you.","start":193.48,"end":196.52,"sentiment":"neutral","sentiment_score":0.27279174514114857},{"text":"And on the cover page, when it does come through, it will have my details listed.","start":196.52,"end":201.93501,"sentiment":"neutral","sentiment_score":0.2083832761272788},{"text":"So you will have my name, my authorized representative number, and I am licensed under OCU Financial.","start":201.93501,"end":208.99501,"sentiment":"neutral","sentiment_score":0.16389436055632198},{"text":"Now every time we do make a recommendation as well, we do have to follow something that's called their best interest duty.","start":211.535,"end":220.31,"sentiment":"neutral","sentiment_score":0.0631181291219863},{"text":"Have you heard of that before?","start":221.01001,"end":222.31,"sentiment":"neutral","sentiment_score":0.02086158748716116}],"sentiment":"neutral","sentiment_score":0.1422672300613013,"num_words":69,"start":193.48,"end":222.31},{"sentences":[{"text":"No.","start":224.45001,"end":224.95001,"sentiment":"neutral","sentiment_score":-0.21454545855522156},{"text":"So, basically, what it means is that we have to put your best interest above anything we do every time we do make a recommendation.","start":225.01001,"end":232.92499,"sentiment":"neutral","sentiment_score":-0.06377844989299775},{"text":"So put you first essentially every single time, and we also have to make sure that the advice itself puts you in a better position as a result of the advice.","start":233.14499,"end":244.28,"sentiment":"neutral","sentiment_score":0.05189016365235852},{"text":"Otherwise, I can't actually make the recommendation.","start":244.34001,"end":246.6,"sentiment":"neutral","sentiment_score":-0.2772740508828844},{"text":"Does that make sense?","start":247.3,"end":248.44,"sentiment":"neutral","sentiment_score":-0.0435434989631176}],"sentiment":"neutral","sentiment_score":-0.034051529186613416,"num_words":68,"start":224.45001,"end":248.44},{"sentences":[{"text":"Yes.","start":249.54001,"end":249.94,"sentiment":"neutral","sentiment_score":0.16619929671287537},{"text":"Beautiful.","start":249.94,"end":250.44,"sentiment":"positive","sentiment_score":0.3678388595581054},{"text":"Now I have to try to resend it to you.","start":250.82,"end":253.56001,"sentiment":"neutral","sentiment_score":0.027789871022105218},{"text":"So, hopefully let me just check here.","start":255.55501,"end":260.535,"sentiment":"neutral","sentiment_score":0.020077079800622805},{"text":"Still nothing?","start":261.39502,"end":262.215,"sentiment":"neutral","sentiment_score":-0.09931125864386559}],"sentiment":"neutral","sentiment_score":0.03589780513374578,"num_words":21,"start":249.54001,"end":262.215},{"sentences":[{"text":"Usually, by now, it should have come through.","start":265.475,"end":268.375,"sentiment":"neutral","sentiment_score":-0.006887204945087433},{"text":"I'll have a little refresh on my end and see.","start":281.405,"end":284.625,"sentiment":"neutral","sentiment_score":0.04713645987212658},{"text":"Oh, it came through?","start":293.25998,"end":294.24,"sentiment":"neutral","sentiment_score":0.11446703225374222},{"text":"Oh, amazing.","start":295.34,"end":296.0,"sentiment":"positive","sentiment_score":0.6113298535346985},{"text":"Must have just been a bit of a delay because of the the storm.","start":296.06,"end":299.36,"sentiment":"neutral","sentiment_score":0.023191111960581372}],"sentiment":"neutral","sentiment_score":0.06372290428139661,"num_words":38,"start":265.475,"end":299.36},{"sentences":[{"text":"But at least that came through, which is great.","start":299.41998,"end":301.28,"sentiment":"positive","sentiment_score":0.4742612838745117},{"text":"Sorry.","start":306.205,"end":306.705,"sentiment":"neutral","sentiment_score":-0.024791579693555832},{"text":"Let me know when you can see it.","start":306.845,"end":309.82498,"sentiment":"neutral","sentiment_score":0.007188511313870549},{"text":"Yeah.","start":319.82,"end":319.98,"sentiment":"neutral","sentiment_score":0.017947502434253693},{"text":"Yep.","start":319.98,"end":320.06,"sentiment":"neutral","sentiment_score":0.029963508248329163}],"sentiment":"neutral","sentiment_score":0.21744895381852986,"num_words":20,"start":299.41998,"end":320.06},{"sentences":[{"text":"No.","start":320.06,"end":320.22,"sentiment":"neutral","sentiment_score":0.0005778130143880844},{"text":"That's okay.","start":320.22,"end":320.78,"sentiment":"neutral","sentiment_score":0.08268693462014198},{"text":"Take your time.","start":320.78,"end":321.6,"sentiment":"neutral","sentiment_score":0.07624345024426778},{"text":"Yes.","start":333.675,"end":333.995,"sentiment":"neutral","sentiment_score":0.05070984736084938},{"text":"Yep.","start":333.995,"end":334.495,"sentiment":"neutral","sentiment_score":0.04005860909819603}],"sentiment":"neutral","sentiment_score":0.0606813111808151,"num_words":8,"start":320.06,"end":334.495},{"sentences":[{"text":"I'm sorry.","start":336.47498,"end":337.215,"sentiment":"neutral","sentiment_score":-0.025771756656467915},{"text":"When you click on the link sorry.","start":337.675,"end":340.235,"sentiment":"neutral","sentiment_score":-0.029842852747866085},{"text":"So you will see in the email, there was a couple of attachments.","start":340.235,"end":343.13498,"sentiment":"neutral","sentiment_score":-0.01877455570949958},{"text":"Now they are just researched for you.","start":343.73,"end":346.87,"sentiment":"neutral","sentiment_score":0.06633394424404417},{"text":"So we have to make sure we provide you with the research as well, and there's a bit of information.","start":347.25,"end":351.59,"sentiment":"neutral","sentiment_score":0.09880206361413002}],"sentiment":"neutral","sentiment_score":0.03950747296366156,"num_words":49,"start":336.47498,"end":351.59},{"sentences":[{"text":"But if you click on the link where it says sign now, it will allow you to open up and view everything fast before it prompts you to sign anything.","start":352.53,"end":360.655,"sentiment":"neutral","sentiment_score":0.08621781319379807},{"text":"And can you now say see where it's a statement of advice, and there's a photo of the Gold Coast?","start":362.875,"end":368.335,"sentiment":"neutral","sentiment_score":0.05964772552251816},{"text":"Yeah.","start":369.515,"end":369.995,"sentiment":"neutral","sentiment_score":0.09251700341701508},{"text":"Beautiful.","start":369.995,"end":370.495,"sentiment":"positive","sentiment_score":0.4592127203941345},{"text":"Yep.","start":371.21002,"end":371.37003,"sentiment":"neutral","sentiment_score":0.13139024376869202}],"sentiment":"neutral","sentiment_score":0.08420016743102164,"num_words":53,"start":352.53,"end":371.37003},{"sentences":[{"text":"So if you scroll down, so the second page is that best interest duty I just mentioned for you.","start":371.37003,"end":376.43002,"sentiment":"neutral","sentiment_score":0.1340367378372895},{"text":"You'll then have table of content, pretty self explanatory, which then takes us through page three, which is scope of advice.","start":378.01,"end":387.69498,"sentiment":"neutral","sentiment_score":0.12242006120227632},{"text":"So, basically, today, it is pretty straightforward.","start":388.31497,"end":391.29498,"sentiment":"neutral","sentiment_score":0.23100105566637857},{"text":"The scope of advice is the areas we are looking at in this advice piece, essentially.","start":391.675,"end":396.97498,"sentiment":"neutral","sentiment_score":0.16901632864028215},{"text":"So pretty straightforward today.","start":397.59497,"end":399.19498,"sentiment":"neutral","sentiment_score":0.32272429019212723}],"sentiment":"neutral","sentiment_score":0.16014455392289517,"num_words":67,"start":371.37003,"end":399.19498},{"sentences":[{"text":"The only thing we are looking at is your superannuation just to make sure that's all set up correctly for you and if we wanted to make any changes to any investments that was potentially underperforming a little bit.","start":399.19498,"end":411.51,"sentiment":"neutral","sentiment_score":0.09609345681010148},{"text":"So it is pretty straightforward today.","start":411.65,"end":413.99,"sentiment":"neutral","sentiment_score":0.2777307629585266},{"text":"We are not making any changes to insurances or anything like that.","start":414.855,"end":418.535,"sentiment":"neutral","sentiment_score":-0.0578485166382355},{"text":"Otherwise, if it is something down to track you do wanna look at, if you wanna change insurances or, you know, you want a bit more cash flow advice or how to save for property, whatever it might be later as well, just let us know.","start":418.535,"end":432.75998,"sentiment":"neutral","sentiment_score":0.12326745850884396},{"text":"We can always book you in for a bit of a catch up to go through anything else as well.","start":432.75998,"end":436.53998,"sentiment":"neutral","sentiment_score":0.18588421270251274}],"sentiment":"neutral","sentiment_score":0.1146978417816534,"num_words":123,"start":399.19498,"end":436.53998},{"sentences":[{"text":"Yep.","start":437.8,"end":438.3,"sentiment":"neutral","sentiment_score":0.2347934693098068},{"text":"Perfect.","start":438.36,"end":438.86,"sentiment":"positive","sentiment_score":0.5392398834228516},{"text":"Now, otherwise, if you can scroll through to page six for me, it should say our advice to you.","start":439.4,"end":448.285,"sentiment":"neutral","sentiment_score":0.1739714718178699},{"text":"Can you see that?","start":448.425,"end":449.485,"sentiment":"neutral","sentiment_score":0.06534734833985567},{"text":"Yep.","start":449.705,"end":450.185,"sentiment":"neutral","sentiment_score":0.15757718682289124}],"sentiment":"neutral","sentiment_score":0.1730176114405577,"num_words":26,"start":437.8,"end":450.185},{"sentences":[{"text":"Perfect.","start":450.185,"end":450.685,"sentiment":"positive","sentiment_score":0.417647123336792},{"text":"So, basically, today, I have recommended that you stay with hub twenty four and just change your investment.","start":451.305,"end":458.78,"sentiment":"neutral","sentiment_score":0.24839522689580917},{"text":"So I have done a lot of research on Hub twenty four as well just to make sure it's still the best super fund option out there for you.","start":458.84,"end":467.66,"sentiment":"neutral","sentiment_score":0.3320961974818131},{"text":"And at the moment, it still is.","start":468.19998,"end":470.19998,"sentiment":"neutral","sentiment_score":0.25919347788606373},{"text":"So it's really competitive when it comes to prices for similar competitors that still allows us to do a lot of flexibility within investment, features, and stuff like that.","start":470.19998,"end":481.975,"sentiment":"positive","sentiment_score":0.34545911591628503}],"sentiment":"neutral","sentiment_score":0.31371690049057915,"num_words":84,"start":450.185,"end":481.975},{"sentences":[{"text":"So I have recommended that you stay in Hub twenty four.","start":481.975,"end":485.275,"sentiment":"neutral","sentiment_score":0.32083843783898786},{"text":"Now I use hub 24 for my personal super as well.","start":485.47,"end":489.01,"sentiment":"positive","sentiment_score":0.34492202780463477},{"text":"And I do think it is good.","start":489.63,"end":491.23,"sentiment":"positive","sentiment_score":0.5656391041619437},{"text":"And if it wasn't competitive for you, I would recommend another option.","start":491.23,"end":495.55,"sentiment":"neutral","sentiment_score":-0.03832592349499464},{"text":"At the moment, it is still really competitive, though, but it is good for us to do research every now and then because there's always new products and features that comes out, and there's nothing tying us to one option.","start":495.55,"end":506.025,"sentiment":"neutral","sentiment_score":0.07563617257401348}],"sentiment":"neutral","sentiment_score":0.17096758854609947,"num_words":81,"start":481.975,"end":506.025},{"sentences":[{"text":"So if there's ever is another option out there for you, I will let you know.","start":506.025,"end":510.265,"sentiment":"neutral","sentiment_score":0.06096094776876271},{"text":"But at the moment, Hub twenty four is is doing doing the job so far.","start":510.265,"end":514.45,"sentiment":"neutral","sentiment_score":0.055480017761389416},{"text":"Yep.","start":515.63,"end":516.11,"sentiment":"neutral","sentiment_score":0.14747104048728943},{"text":"Perfect.","start":516.11,"end":516.61,"sentiment":"neutral","sentiment_score":0.30687013268470764},{"text":"Now on the next two pages, it's just some personal information.","start":517.47,"end":521.73,"sentiment":"neutral","sentiment_score":0.11777347326278687}],"sentiment":"neutral","sentiment_score":0.08085056385872039,"num_words":44,"start":506.025,"end":521.73},{"sentences":[{"text":"If you could just have a quick read over that for me just to make sure that's all kind of looking looking up to date or if I need to make any changes in the back end for you.","start":521.95,"end":531.325,"sentiment":"neutral","sentiment_score":0.15351839650135773},{"text":"Good.","start":538.68,"end":539.18,"sentiment":"positive","sentiment_score":0.42911940813064575},{"text":"Yeah.","start":539.24,"end":539.64,"sentiment":"positive","sentiment_score":0.40205755829811096},{"text":"Amazing.","start":539.64,"end":540.14,"sentiment":"positive","sentiment_score":0.5037657022476196},{"text":"Which then takes us to page nine, which is just your current super in the insurances.","start":541.4,"end":546.86,"sentiment":"neutral","sentiment_score":0.17332142312079668}],"sentiment":"neutral","sentiment_score":0.17405694658900128,"num_words":58,"start":521.95,"end":546.86},{"sentences":[{"text":"I'll kind of skip over this section a bit because we did go through what you have in insurances and stuff in the annual review, and because we're just looking at your superannuation.","start":547.56,"end":556.425,"sentiment":"neutral","sentiment_score":0.05445371856066314},{"text":"Now if you can then scroll so as you kind of keep scrolling for me, you will see a section where it says your risk profile, and that basically just talks about when we went through last time those questions in regards to how you feel about volatility and and risk and stuff.","start":558.245,"end":574.58,"sentiment":"neutral","sentiment_score":0.059659609746820524},{"text":"And at the moment, you said you were quite happy to stay in the same risk profile.","start":574.58,"end":580.52,"sentiment":"positive","sentiment_score":0.48411179114790526},{"text":"So we are keeping you in the same high growth portfolio.","start":580.895,"end":584.195,"sentiment":"positive","sentiment_score":0.5771674622188915},{"text":"You still have plenty of time until retirement.","start":584.335,"end":586.755,"sentiment":"positive","sentiment_score":0.4501533769071102}],"sentiment":"neutral","sentiment_score":0.1896631276906758,"num_words":122,"start":547.56,"end":586.755},{"sentences":[{"text":"So you do have that time to take advantage of growing your superannuation.","start":587.775,"end":591.635,"sentiment":"positive","sentiment_score":0.506683906683555},{"text":"So not making any changes when it comes to that.","start":592.09503,"end":594.99,"sentiment":"neutral","sentiment_score":0.12179451659321786},{"text":"Now, usually, what is easier from here is if you can actually scroll down to page 20 for me, you should see a fee comparison table.","start":595.87,"end":607.41,"sentiment":"neutral","sentiment_score":0.16725807407727608},{"text":"Yeah.","start":613.075,"end":613.555,"sentiment":"neutral","sentiment_score":0.10062280297279358},{"text":"Now some of the information you you did scroll through, it basically outlines what I'm about to tell you in a little bit more detail just in words, but I often find that seeing the table with the numbers is easier for people to kind of visualize it.","start":613.555,"end":628.99,"sentiment":"neutral","sentiment_score":0.16808724558601776}],"sentiment":"neutral","sentiment_score":0.20737098438703283,"num_words":98,"start":587.775,"end":628.99},{"sentences":[{"text":"But, basically, this is the recommendation.","start":629.85,"end":631.87,"sentiment":"neutral","sentiment_score":0.12878221397598585},{"text":"So you can see here your current superannuation, the total fees, and the five year rolling average.","start":632.17,"end":639.175,"sentiment":"neutral","sentiment_score":0.17734022350872264},{"text":"And you can also see the recommended.","start":639.95496,"end":642.055,"sentiment":"neutral","sentiment_score":0.13926127552986145},{"text":"So, again, keeping you in Hub 24, not changing contributions or insurances or our fees or anything like that.","start":642.915,"end":650.4,"sentiment":"neutral","sentiment_score":0.041333524020094624},{"text":"I'm just literally changing investment.","start":650.96,"end":653.38,"sentiment":"neutral","sentiment_score":0.04635991081595421}],"sentiment":"neutral","sentiment_score":0.10702671338286665,"num_words":54,"start":629.85,"end":653.38},{"sentences":[{"text":"Now what I have recommended for you, it is a little bit of a change to how your investment is set up.","start":653.68005,"end":661.14,"sentiment":"neutral","sentiment_score":0.12696444006128746},{"text":"So what I have recommended is that we actually change it through something that's called an SMA.","start":661.68005,"end":669.765,"sentiment":"neutral","sentiment_score":0.10084742132355184},{"text":"So not a self managed super fund, an SMA, which is a self managed account.","start":670.225,"end":676.245,"sentiment":"neutral","sentiment_score":0.025663957496484122},{"text":"Have you heard about that before?","start":676.385,"end":677.84503,"sentiment":"neutral","sentiment_score":0.010874768098195394},{"text":"No.","start":679.8,"end":680.3,"sentiment":"neutral","sentiment_score":-0.14986291527748108}],"sentiment":"neutral","sentiment_score":0.07881916228865014,"num_words":61,"start":653.68005,"end":680.3},{"sentences":[{"text":"No.","start":681.08,"end":681.58,"sentiment":"neutral","sentiment_score":-0.08634628355503082},{"text":"And if it is as well, it is we put a bit of information in regards to it because it is something new.","start":681.88,"end":687.48,"sentiment":"neutral","sentiment_score":0.011893229113648767},{"text":"We have recently joined with BlackRock.","start":687.48,"end":690.94,"sentiment":"neutral","sentiment_score":0.14062062154213587},{"text":"Have you heard of BlackRock before?","start":691.245,"end":692.605,"sentiment":"neutral","sentiment_score":0.0785041314860185},{"text":"They are one of the biggest investment managers in the world, actually.","start":692.605,"end":696.46497,"sentiment":"neutral","sentiment_score":0.17637988179922104}],"sentiment":"neutral","sentiment_score":0.07538552262121812,"num_words":48,"start":681.08,"end":696.46497},{"sentences":[{"text":"Have you heard of BlackRock?","start":696.845,"end":698.065,"sentiment":"neutral","sentiment_score":0.03276978544890881},{"text":"No.","start":698.445,"end":698.945,"sentiment":"neutral","sentiment_score":-0.19874462485313416},{"text":"You can definitely Google them and start.","start":699.565,"end":701.325,"sentiment":"neutral","sentiment_score":-0.12795415627104895},{"text":"They aren't massive.","start":701.325,"end":702.305,"sentiment":"neutral","sentiment_score":-0.15399295091629028},{"text":"But we have recently teamed up with BlackRock and created our own.","start":703.645,"end":708.5,"sentiment":"neutral","sentiment_score":0.27745305622617406}],"sentiment":"neutral","sentiment_score":0.06917439394497446,"num_words":28,"start":696.845,"end":708.5},{"sentences":[{"text":"It is called an SMA.","start":708.5,"end":709.88,"sentiment":"neutral","sentiment_score":0.3014626741409302},{"text":"So what it is, it's still very much similar to your your previous investments in the way that things work.","start":710.58,"end":716.52,"sentiment":"neutral","sentiment_score":0.32982069104909895},{"text":"But, basically, what it allows us to do is we can very Hub twenty four.","start":716.89996,"end":728.015,"sentiment":"neutral","sentiment_score":0.2636911660432816},{"text":"Now when you go into Hub twenty four, how it will look on your side is that you'll have 50% sorry, 70% in an estimate that's called bloom and 30% in one that's called catalyst.","start":728.015,"end":743.16003,"sentiment":"neutral","sentiment_score":0.23302607323442187},{"text":"The only reason it has that slip is to give you the asset allocation allocation matching your risk profile of a high growth.","start":743.22003,"end":750.88495,"sentiment":"neutral","sentiment_score":0.18488866155562195}],"sentiment":"neutral","sentiment_score":0.24966782103387677,"num_words":98,"start":708.5,"end":750.88495},{"sentences":[{"text":"If you then click on it, you will actually still see all the underlying investments.","start":751.665,"end":756.165,"sentiment":"neutral","sentiment_score":0.2682987838983536},{"text":"So you can still have full oversight of it.","start":756.46497,"end":759.125,"sentiment":"neutral","sentiment_score":0.33308591114150154},{"text":"The biggest difference of why it is so competitive is, at the moment, the way that things are structured so, for example, with the Benelon that we talked a little bit about last time being a little bit underperforming.","start":759.345,"end":771.99,"sentiment":"neutral","sentiment_score":-0.1665068419697957},{"text":"Now the way that things are currently, if we wanted to go ahead and make the change, we would obviously still go and do the research, but I would then have to put everything in this statement of advice for you and run through it with you.","start":772.76996,"end":784.445,"sentiment":"neutral","sentiment_score":0.05276377673478837},{"text":"You'd have to sign the document to say that you're happy with it, and then we will go ahead and make the change.","start":784.445,"end":789.825,"sentiment":"neutral","sentiment_score":0.3085220456123352}],"sentiment":"neutral","sentiment_score":0.07597287727477856,"num_words":133,"start":751.665,"end":789.825},{"sentences":[{"text":"So as you can imagine, sometimes that takes a little bit of a time because it's also finding a time where I'm available and you're available to try to tee it up.","start":790.07,"end":798.70996,"sentiment":"neutral","sentiment_score":-0.01789240341167897},{"text":"And the market, there is a lot that can happen quite quickly in the market.","start":798.70996,"end":802.245,"sentiment":"neutral","sentiment_score":0.007568883399168652},{"text":"So we we've kind of been like, okay.","start":802.805,"end":804.725,"sentiment":"neutral","sentiment_score":0.116118885576725},{"text":"Well, how can we make it quicker and more streamlined for you?","start":804.725,"end":807.605,"sentiment":"neutral","sentiment_score":0.27514694648804533},{"text":"But also meaning that you don't have to be involved in every single aspect if it's a quick investment change.","start":807.605,"end":813.145,"sentiment":"neutral","sentiment_score":0.10073931999504566}],"sentiment":"neutral","sentiment_score":0.06651123200212712,"num_words":87,"start":790.07,"end":813.145},{"sentences":[{"text":"So with the SMA, what it allows us to do is that we can quickly make those changes in the back end.","start":813.765,"end":820.88,"sentiment":"positive","sentiment_score":0.43303402106870303},{"text":"Because what it looks like from you is that you are invested 70% in that blue email I mentioned and 30 in catalyst, which gives us the option of the underlying investments that you have within them.","start":821.18,"end":831.82,"sentiment":"neutral","sentiment_score":0.32135166509731394},{"text":"We can chop and change depending on what is going in the market.","start":831.82,"end":835.39496,"sentiment":"positive","sentiment_score":0.4012131140782283},{"text":"So we can do that very quickly.","start":835.39496,"end":836.83496,"sentiment":"positive","sentiment_score":0.6093906589916774},{"text":"If we foresee one coming down, we wanna sell out of it before it drops, or if there's another one where we foresee potentially going through increase a little bit or, obviously, with, you know, interest and everything that's happening in the world, we can very quickly make those changes without having to go through this process that we've done now.","start":836.83496,"end":854.95,"sentiment":"positive","sentiment_score":0.34980378678587615}],"sentiment":"positive","sentiment_score":0.37311640115720884,"num_words":140,"start":813.765,"end":854.95},{"sentences":[{"text":"It also allows us to utilizes BlackRock's research and tools and everything like that.","start":855.57,"end":862.135,"sentiment":"positive","sentiment_score":0.39436801842280794},{"text":"So our investment team, along with BlackRock, which is one of the invest the biggest investment managers in the world, teaming together to build a tailored portfolio and constantly catching up about different market trends of what's happening.","start":862.135,"end":876.33,"sentiment":"positive","sentiment_score":0.4095068824918647},{"text":"So it allows us to do things a little bit more proactively for you while still making sure that we, obviously, follow that best interest.","start":876.63,"end":884.31,"sentiment":"positive","sentiment_score":0.5752839243412018},{"text":"We always have to do that to make sure we put you in a better position and follow your goals.","start":884.31,"end":888.25,"sentiment":"positive","sentiment_score":0.6105158068239689},{"text":"And we can still very much let you know when a change is happening.","start":888.685,"end":891.88495,"sentiment":"positive","sentiment_score":0.37760954243796213}],"sentiment":"positive","sentiment_score":0.47712938406982935,"num_words":111,"start":855.57,"end":891.88495},{"sentences":[{"text":"So you still have oversight.","start":891.88495,"end":893.345,"sentiment":"positive","sentiment_score":0.333466911315918},{"text":"When you log in to your hub 24, like I said, you can still see all the underlying investment when you click on it.","start":893.96497,"end":899.08496,"sentiment":"neutral","sentiment_score":0.31762266159057617},{"text":"It just basically takes away from a compliance point this process, and it means that we can do things quicker for you if we have to.","start":899.08496,"end":906.28,"sentiment":"positive","sentiment_score":0.3789739224773187},{"text":"Does that make sense?","start":906.42004,"end":907.56,"sentiment":"neutral","sentiment_score":0.2245241068303585},{"text":"Yep.","start":908.9,"end":909.4,"sentiment":"neutral","sentiment_score":0.2654963433742523}],"sentiment":"positive","sentiment_score":0.33845321983098986,"num_words":60,"start":891.88495,"end":909.4},{"sentences":[{"text":"Yes.","start":910.82,"end":911.32,"sentiment":"neutral","sentiment_score":0.3135961890220642},{"text":"So, basically, what I have is said as well, it is outlined in the SOA in words for you as well because it is sometimes a little bit to get through with the research materials, the kind of what you saw before you clicked onto the document.","start":911.86005,"end":925.075,"sentiment":"neutral","sentiment_score":0.12453930698176648},{"text":"There is a full product disclosure statement in regards to it that goes into a lot more in-depth.","start":925.135,"end":929.795,"sentiment":"neutral","sentiment_score":0.19808109684122932},{"text":"But the biggest thing is it does save time on the compliance, but we can proactively do it along with, yeah, joining forces with them through coming up with the best options for you at all points in time.","start":930.32996,"end":942.135,"sentiment":"positive","sentiment_score":0.41983346258982635},{"text":"Now the other good thing is that by doing so, so on the page that you are on at the moment, so in Hub 24, they have different accounts depending on different investment choices.","start":942.695,"end":953.755,"sentiment":"neutral","sentiment_score":0.19204611572272637}],"sentiment":"neutral","sentiment_score":0.23478759953872763,"num_words":139,"start":910.82,"end":953.755},{"sentences":[{"text":"So with the SMA, it is available on another account.","start":955.35004,"end":959.29004,"sentiment":"neutral","sentiment_score":0.14654622972011566},{"text":"So still within up 24, that is a little bit cheaper.","start":959.35004,"end":963.29004,"sentiment":"neutral","sentiment_score":0.18417898362333124},{"text":"So what it means is that it's actually saving you a $180 a year in admin fees alone because it's on a cheaper product, but it still allows the estimate on there, which is great.","start":963.67004,"end":976.365,"sentiment":"positive","sentiment_score":0.3430670887231827},{"text":"So for you, you save a $180 a year in admin fees, which is great.","start":976.425,"end":981.165,"sentiment":"positive","sentiment_score":0.6231023748715718},{"text":"And the investment fees as well is cheaper.","start":982.76,"end":985.66,"sentiment":"positive","sentiment_score":0.476899228990078}],"sentiment":"positive","sentiment_score":0.3627912490805493,"num_words":79,"start":955.35004,"end":985.66},{"sentences":[{"text":"So the investment in the estimate there for you, it is saving a $195 a year in fees alone.","start":985.8,"end":993.18,"sentiment":"positive","sentiment_score":0.4535240860361802},{"text":"So, again, overall, reducing your fees, and it is making the fees about $355 cheaper per year, which is pretty good.","start":993.24,"end":1004.055,"sentiment":"positive","sentiment_score":0.6512658510889325},{"text":"Yeah.","start":1005.555,"end":1006.055,"sentiment":"neutral","sentiment_score":0.06163796782493591},{"text":"Yeah.","start":1007.795,"end":1008.275,"sentiment":"neutral","sentiment_score":0.04503875970840454},{"text":"Exactly.","start":1008.275,"end":1008.775,"sentiment":"neutral","sentiment_score":0.08007412403821945}],"sentiment":"positive","sentiment_score":0.5227974734680597,"num_words":43,"start":985.8,"end":1008.775},{"sentences":[{"text":"The biggest thing is also the return.","start":1008.915,"end":1010.855,"sentiment":"neutral","sentiment_score":0.18623933408941543},{"text":"So with the the SMA so we use historical returns when we are using this for projection purposes.","start":1010.995,"end":1018.56,"sentiment":"neutral","sentiment_score":0.16707645025518206},{"text":"But the good thing with the SMA is that it allows us moving forward in the future because we can make those proactive choices for you.","start":1018.94,"end":1026.135,"sentiment":"positive","sentiment_score":0.4892390232819777},{"text":"We should see a a bigger difference as well because we can then use that forecast for you and making changes.","start":1026.215,"end":1033.595,"sentiment":"positive","sentiment_score":0.3512744250751677},{"text":"So the really good thing with the SMA as well is that it is outperforming your current one with quite a bit, which which is great.","start":1034.135,"end":1042.64,"sentiment":"positive","sentiment_score":0.4932672450175652}],"sentiment":"positive","sentiment_score":0.3799283402610798,"num_words":98,"start":1008.915,"end":1042.64},{"sentences":[{"text":"So it is cheaper, but it's also outperforming in terms of performance.","start":1042.64,"end":1046.82,"sentiment":"positive","sentiment_score":0.3489767412344615},{"text":"Yes.","start":1050.16,"end":1050.66,"sentiment":"positive","sentiment_score":0.5883772969245911},{"text":"So it it's great.","start":1050.72,"end":1051.84,"sentiment":"positive","sentiment_score":0.776995912194252},{"text":"And it's still keeping the same risk.","start":1051.84,"end":1053.36,"sentiment":"positive","sentiment_score":0.43825321538107737},{"text":"So it's not we're taking on more risk or anything like that.","start":1053.36,"end":1056.16,"sentiment":"neutral","sentiment_score":0.18418477786084017}],"sentiment":"positive","sentiment_score":0.3656131022920211,"num_words":36,"start":1042.64,"end":1056.16},{"sentences":[{"text":"It is keeping the level of fluctuation within that high growth for you, but it is improving.","start":1056.16,"end":1062.785,"sentiment":"neutral","sentiment_score":0.2718256598009783},{"text":"So, overall, that is what I have recommended.","start":1063.485,"end":1067.265,"sentiment":"positive","sentiment_score":0.42989416792988777},{"text":"Do you have any questions in regards to, like, the SMA or or any of that, or is it fairly straightforward?","start":1069.0399,"end":1074.74,"sentiment":"neutral","sentiment_score":0.06155956022086598},{"text":"No.","start":1076.7999,"end":1077.2999,"sentiment":"neutral","sentiment_score":-0.02045957557857037},{"text":"Yeah.","start":1078.32,"end":1078.7999,"sentiment":"neutral","sentiment_score":0.03781893104314804}],"sentiment":"neutral","sentiment_score":0.19521457666996866,"num_words":48,"start":1056.16,"end":1078.7999},{"sentences":[{"text":"No.","start":1078.7999,"end":1079.2999,"sentiment":"neutral","sentiment_score":0.11132307350635529},{"text":"Beautiful.","start":1079.36,"end":1079.86,"sentiment":"positive","sentiment_score":0.3681299090385437},{"text":"Now let me see here how that looks in that asset allocation I mentioned.","start":1081.2799,"end":1086.245,"sentiment":"neutral","sentiment_score":0.08185057155787945},{"text":"If you just wanna scroll up one page to page 19 for me.","start":1086.245,"end":1090.185,"sentiment":"neutral","sentiment_score":0.05236926130377329},{"text":"Yep.","start":1091.6051,"end":1092.1051,"sentiment":"neutral","sentiment_score":0.06615801900625229}],"sentiment":"neutral","sentiment_score":0.07907731334368388,"num_words":30,"start":1078.7999,"end":1092.1051},{"sentences":[{"text":"Now that then shows you the asset allocation.","start":1092.245,"end":1096.025,"sentiment":"neutral","sentiment_score":0.05930135352537036},{"text":"So you can see here the the second column, it says risk profile.","start":1096.165,"end":1100.14,"sentiment":"neutral","sentiment_score":0.07844895353684059},{"text":"That is the the ninety ten split.","start":1100.4401,"end":1103.1,"sentiment":"neutral","sentiment_score":0.06661883581961904},{"text":"We then have existing, which is how you are currently invested.","start":1103.96,"end":1108.38,"sentiment":"neutral","sentiment_score":0.0880920954725959},{"text":"And then we have proposed, which is what the new portfolio will look like.","start":1109.0,"end":1113.525,"sentiment":"neutral","sentiment_score":0.12321158232433456}],"sentiment":"neutral","sentiment_score":0.08782177882374458,"num_words":53,"start":1092.245,"end":1113.525},{"sentences":[{"text":"So you can see that they are both quite similar when it comes through how much growth and how much defensive we have in it.","start":1114.005,"end":1121.545,"sentiment":"neutral","sentiment_score":0.2106216859817505},{"text":"So it's not really changing much in that area because we do wanna make it consistent for you.","start":1121.845,"end":1126.805,"sentiment":"neutral","sentiment_score":0.1381465813352002},{"text":"We don't wanna take on more risk.","start":1126.805,"end":1128.39,"sentiment":"neutral","sentiment_score":-0.007402270500149045},{"text":"We were basically trying to aim of, okay, what can we do to reduce the fee?","start":1128.63,"end":1132.49,"sentiment":"neutral","sentiment_score":0.13466307613998652},{"text":"Also makes things a little bit quicker for you in compliance and improve those returns for you.","start":1132.63,"end":1137.77,"sentiment":"neutral","sentiment_score":0.31072665926288157}],"sentiment":"neutral","sentiment_score":0.18237743549138666,"num_words":83,"start":1114.005,"end":1137.77},{"sentences":[{"text":"Beautiful.","start":1139.59,"end":1140.09,"sentiment":"positive","sentiment_score":0.42547523975372314},{"text":"Now the last thing I do wanna mention is the remuneration.","start":1140.39,"end":1145.105,"sentiment":"neutral","sentiment_score":0.10188420929692009},{"text":"Now that is page 24.","start":1145.965,"end":1148.465,"sentiment":"neutral","sentiment_score":0.0664056733250618},{"text":"Yep.","start":1152.685,"end":1153.085,"sentiment":"neutral","sentiment_score":0.2000800669193268},{"text":"Perfect.","start":1153.085,"end":1153.585,"sentiment":"positive","sentiment_score":0.4147035479545593}],"sentiment":"neutral","sentiment_score":0.13121123807994942,"num_words":19,"start":1139.59,"end":1153.585},{"sentences":[{"text":"Now I just wanna go through this again so that you do no no changes whatsoever in regards to the fee structure.","start":1154.285,"end":1161.5599,"sentiment":"neutral","sentiment_score":0.1333427686582912},{"text":"So if after today you are happy and you would like to go ahead with the change there, Tony, there is no additional fees or charges whatsoever.","start":1161.86,"end":1169.48,"sentiment":"neutral","sentiment_score":0.2186852682519842},{"text":"It is all part of the ongoing advice fee.","start":1169.955,"end":1173.1749,"sentiment":"neutral","sentiment_score":0.1551047157910135},{"text":"So no additional fees and charges.","start":1173.715,"end":1176.455,"sentiment":"neutral","sentiment_score":0.1248575213054816},{"text":"Again, it stays exactly the same at 1.65 from your superannuation.","start":1176.595,"end":1180.855,"sentiment":"neutral","sentiment_score":0.22698904302987186}],"sentiment":"neutral","sentiment_score":0.17973346928755443,"num_words":75,"start":1154.285,"end":1180.855},{"sentences":[{"text":"Now you can also see that I have included your AIA insurances here.","start":1182.08,"end":1186.58,"sentiment":"neutral","sentiment_score":0.069161468400405},{"text":"The only reason it is included is for compliances.","start":1186.88,"end":1189.94,"sentiment":"neutral","sentiment_score":0.03746157015363375},{"text":"Every time we do get commissions, we have to disclose it to you so that you are fully aware.","start":1190.4,"end":1196.42,"sentiment":"neutral","sentiment_score":0.05711181951980842},{"text":"But I do wanna let you know that the 22% of the premium for AIA, it is AIA paying us.","start":1196.785,"end":1204.625,"sentiment":"neutral","sentiment_score":0.08673166204243898},{"text":"It is not you paying us.","start":1204.625,"end":1206.325,"sentiment":"neutral","sentiment_score":-0.0050298552960157394}],"sentiment":"neutral","sentiment_score":0.060087043291597225,"num_words":67,"start":1182.08,"end":1206.325},{"sentences":[{"text":"Before compliances, we have to disclose it so you are fully aware.","start":1206.625,"end":1210.565,"sentiment":"neutral","sentiment_score":0.037616551077614226},{"text":"Yeah.","start":1210.95,"end":1211.4299,"sentiment":"neutral","sentiment_score":0.07986602932214737},{"text":"And it is the same for every single insurer out there.","start":1211.4299,"end":1214.39,"sentiment":"neutral","sentiment_score":0.09718060967597095},{"text":"So it would not say us in any way to recommend one provider over the other.","start":1214.39,"end":1218.95,"sentiment":"neutral","sentiment_score":0.0036708316765725613},{"text":"It is exactly the same for every single insurer and for every adviser as well.","start":1218.95,"end":1223.175,"sentiment":"neutral","sentiment_score":0.10421436751882235}],"sentiment":"neutral","sentiment_score":0.05858545760539445,"num_words":55,"start":1206.625,"end":1223.175},{"sentences":[{"text":"Does that make sense?","start":1224.2151,"end":1225.435,"sentiment":"neutral","sentiment_score":0.0860225297510624},{"text":"Yeah.","start":1226.375,"end":1226.6951,"sentiment":"neutral","sentiment_score":0.14310705661773682},{"text":"Beautiful.","start":1226.6951,"end":1227.1951,"sentiment":"neutral","sentiment_score":0.3057956099510193},{"text":"But that is not you paying us if you see it, but just so that you are aware.","start":1227.255,"end":1231.5951,"sentiment":"neutral","sentiment_score":0.007855733442637656},{"text":"Which basically is everything there, Tony.","start":1233.415,"end":1236.71,"sentiment":"neutral","sentiment_score":0.14685188482205072}],"sentiment":"neutral","sentiment_score":0.060516909882426265,"num_words":30,"start":1224.2151,"end":1236.71},{"sentences":[{"text":"So on on the next couple of pages, you will see us the way to proceed.","start":1236.71,"end":1240.0099,"sentiment":"neutral","sentiment_score":0.18332269974052906},{"text":"That is outlined that if you are happy to go ahead, what we are looking at doing, which is keeping your hub 24, literally just moving you to that, estimate and changing some of those investments for you.","start":1240.5499,"end":1252.035,"sentiment":"positive","sentiment_score":0.3459678256982251},{"text":"So pretty nice and easy today.","start":1252.0951,"end":1254.8351,"sentiment":"positive","sentiment_score":0.7495713531970978},{"text":"So do you have any questions for me, or what are your thoughts on all of this, Toni?","start":1255.615,"end":1260.035,"sentiment":"neutral","sentiment_score":0.08958835879133807},{"text":"Quite happy?","start":1262.35,"end":1263.09,"sentiment":"neutral","sentiment_score":0.06192547827959061}],"sentiment":"neutral","sentiment_score":0.2789226263295859,"num_words":80,"start":1236.71,"end":1263.09},{"sentences":[{"text":"Yes.","start":1263.63,"end":1264.13,"sentiment":"neutral","sentiment_score":0.26694250106811523},{"text":"Yeah.","start":1265.63,"end":1266.11,"sentiment":"neutral","sentiment_score":0.2092961072921753},{"text":"Yeah.","start":1266.11,"end":1266.35,"sentiment":"neutral","sentiment_score":0.2931406497955322},{"text":"Beautiful.","start":1266.35,"end":1266.85,"sentiment":"positive","sentiment_score":0.4299108386039734},{"text":"So, basically, from here, if you would like to take some time to have a read over the documents, you're more than welcome to.","start":1267.47,"end":1274.835,"sentiment":"neutral","sentiment_score":0.21754841444393}],"sentiment":"neutral","sentiment_score":0.22930185869336128,"num_words":28,"start":1263.63,"end":1274.835},{"sentences":[{"text":"When you do have a read over it or if you are happy to go ahead, from here, it would be to press start in the document, and it will then ask you to add a signature and a date.","start":1275.715,"end":1289.975,"sentiment":"neutral","sentiment_score":0.13395125772804023},{"text":"And then it will once you've done that, it should say validate.","start":1290.57,"end":1297.7899,"sentiment":"neutral","sentiment_score":0.10670625356336434},{"text":"No.","start":1304.825,"end":1304.985,"sentiment":"neutral","sentiment_score":-0.11437661200761796},{"text":"That's okay.","start":1304.985,"end":1305.8049,"sentiment":"neutral","sentiment_score":-0.024397876113653183},{"text":"Is is that a little text box?","start":1318.6799,"end":1320.46,"sentiment":"neutral","sentiment_score":0.010179169742124421}],"sentiment":"neutral","sentiment_score":0.1055904383200311,"num_words":62,"start":1275.715,"end":1320.46},{"sentences":[{"text":"You could just put NA.","start":1321.7999,"end":1323.1799,"sentiment":"neutral","sentiment_score":0.00009719785302877426},{"text":"It is just a box yeah.","start":1323.72,"end":1325.7999,"sentiment":"neutral","sentiment_score":0.012376359198242426},{"text":"It's just a box that allows you to if you would like to change anything, you can type it here.","start":1325.7999,"end":1331.535,"sentiment":"neutral","sentiment_score":0.10377973895519972},{"text":"So if you're like, no.","start":1331.535,"end":1332.415,"sentiment":"neutral","sentiment_score":-0.048743171989917754},{"text":"I don't like this.","start":1332.415,"end":1333.215,"sentiment":"neutral","sentiment_score":-0.2388591729104519}],"sentiment":"neutral","sentiment_score":0.02377965929917991,"num_words":40,"start":1321.7999,"end":1333.215},{"sentences":[{"text":"I would like to change it to this.","start":1333.215,"end":1334.8151,"sentiment":"neutral","sentiment_score":-0.01810182724148035},{"text":"This just allows you to type it here.","start":1334.8151,"end":1337.0751,"sentiment":"neutral","sentiment_score":0.07275206921622157},{"text":"But, otherwise, you could just put NA or full stop.","start":1337.4551,"end":1340.415,"sentiment":"neutral","sentiment_score":0.03152071852236986},{"text":"It just then it takes you to the next, which should just be the the signature and the date, hopefully, if technology is agreeing with me today.","start":1340.415,"end":1349.81,"sentiment":"neutral","sentiment_score":0.08121113148000506},{"text":"Yep.","start":1356.4451,"end":1356.8451,"sentiment":"neutral","sentiment_score":0.07328300178050995}],"sentiment":"neutral","sentiment_score":0.055896160606708795,"num_words":54,"start":1333.215,"end":1356.8451},{"sentences":[{"text":"Perfect.","start":1356.8451,"end":1357.3451,"sentiment":"neutral","sentiment_score":0.13275280594825745},{"text":"No.","start":1358.4451,"end":1358.6051,"sentiment":"neutral","sentiment_score":-0.07907138764858246},{"text":"That's and it could also be because, yeah, Internet's because it is a bit of a storm here at the moment.","start":1358.6051,"end":1363.245,"sentiment":"neutral","sentiment_score":-0.19322007539726438},{"text":"It seems like it's running a little bit slower.","start":1363.245,"end":1365.265,"sentiment":"neutral","sentiment_score":-0.2443450623088413},{"text":"So I will just refresh here and see if it comes through.","start":1367.13,"end":1371.21,"sentiment":"neutral","sentiment_score":0.02417273788402478}],"sentiment":"neutral","sentiment_score":-0.1343857470730489,"num_words":44,"start":1356.8451,"end":1371.21},{"sentences":[{"text":"It could be if it did say validate on your end, it could just be on its way, which is fine.","start":1371.21,"end":1378.03,"sentiment":"neutral","sentiment_score":0.08630034362985975},{"text":"Should be all good.","start":1384.265,"end":1385.0651,"sentiment":"positive","sentiment_score":0.45758193731307983},{"text":"Okay.","start":1385.0651,"end":1385.5651,"sentiment":"neutral","sentiment_score":0.24225294589996335},{"text":"Perfect.","start":1385.625,"end":1386.125,"sentiment":"positive","sentiment_score":0.49842914938926697},{"text":"I'll keep a little look at at that.","start":1386.425,"end":1387.9451,"sentiment":"positive","sentiment_score":0.36382727697491646}],"sentiment":"neutral","sentiment_score":0.20839815075908388,"num_words":35,"start":1371.21,"end":1387.9451},{"sentences":[{"text":"Oh, yep.","start":1387.9451,"end":1388.425,"sentiment":"positive","sentiment_score":0.5154024958610535},{"text":"That's just come through, which is fantastic.","start":1388.425,"end":1390.285,"sentiment":"positive","sentiment_score":0.7661380852971759},{"text":"So I will let the team know that we'll go ahead and make this investment change for you.","start":1391.56,"end":1396.14,"sentiment":"positive","sentiment_score":0.5053809169265959},{"text":"You should see it in your hub 24 as well when it's changed.","start":1396.28,"end":1402.2201,"sentiment":"neutral","sentiment_score":0.2555563977131477},{"text":"And like I said, you can still click on the SMA, and you can still see the underlying investments if it is something that you you want to see or keep a look at.","start":1402.4401,"end":1404.68,"sentiment":"neutral","sentiment_score":0.2273362331530627}],"sentiment":"positive","sentiment_score":0.35867963771562317,"num_words":74,"start":1387.9451,"end":1404.68},{"sentences":[{"text":"But I'll But, otherwise, it's all in there for you.","start":1404.68,"end":1413.4451,"sentiment":"neutral","sentiment_score":0.2652373820543289},{"text":"If there is any other questions or anything that you need at any point in time, though, you can always give me a call or send me an email.","start":1414.385,"end":1420.67,"sentiment":"neutral","sentiment_score":0.15797885378886914},{"text":"It doesn't have to be a under review time.","start":1420.67,"end":1422.6901,"sentiment":"neutral","sentiment_score":0.05164864038427671},{"text":"But if not, we'll obviously touch base next under review time and see how everything is progressing and how it's all going and if you want any more advice and anything.","start":1423.15,"end":1430.53,"sentiment":"neutral","sentiment_score":0.23151994027918385},{"text":"But like I said, you can give me a call whenever you want through if if anything you do wanna discuss.","start":1430.9149,"end":1435.1749,"sentiment":"neutral","sentiment_score":0.12071954955657323}],"sentiment":"neutral","sentiment_score":0.1741082703322172,"num_words":100,"start":1404.68,"end":1435.1749},{"sentences":[{"text":"Yep.","start":1436.755,"end":1437.255,"sentiment":"neutral","sentiment_score":0.021990451961755753},{"text":"Beautiful.","start":1437.7949,"end":1438.2949,"sentiment":"positive","sentiment_score":0.7155576944351196},{"text":"Well, thank you so much for your time this afternoon, and I will let you go and enjoy the rest of your afternoon, Tony.","start":1438.355,"end":1444.0549,"sentiment":"positive","sentiment_score":0.7524973650773367},{"text":"Mhmm.","start":1446.1989,"end":1446.5189,"sentiment":"neutral","sentiment_score":0.21164807677268985},{"text":"No problem at all.","start":1446.5189,"end":1447.3188,"sentiment":"positive","sentiment_score":0.3651566132903099}],"sentiment":"positive","sentiment_score":0.6603148205866737,"num_words":31,"start":1436.755,"end":1447.3188},{"sentences":[{"text":"We'll speak soon.","start":1447.3188,"end":1448.299,"sentiment":"positive","sentiment_score":0.44231119751930237},{"text":"Mhmm.","start":1449.0789,"end":1449.4789,"sentiment":"positive","sentiment_score":0.38853901624679565},{"text":"You too.","start":1449.4789,"end":1450.039,"sentiment":"neutral","sentiment_score":0.3002357482910156},{"text":"Bye.","start":1450.039,"end":1450.539,"sentiment":"neutral","sentiment_score":0.21084189414978027}],"sentiment":"positive","sentiment_score":0.36096942850521635,"num_words":7,"start":1447.3188,"end":1450.539}]}}]},{"alternatives":[{"transcript":"Hello? Yes. That's me. I'm good. Thanks. How are you? Yep. No worries at all. Yep. No worries. Tony Robert Barnes. Seventh of February 1988. And February. Yeah. It wasn't too bad. Glad it's over now. So yeah. Yes. I do. Yep. Where is I haven't received anything yet. Let me just check that. No. Nothing. Not today anyway. Yep. Yep. Yeah. Yep. That's fine. Yep. Yep. Yep. Yep. No. I haven't. Okay. Yep. Yes. Yes. Still nothing. Oh, no. Yeah. Okay. Yep. There we go. Yep. Yeah. Alright. So okay. I'm just gonna move it out of my spam folder, it says. Otherwise, I can't read it. Not drunk. Here we go. Alright. So I'll just open up the first one. Oh, yep. Yep. Yep. Yep. Alright. Yep. Yep. I see it. Yep. Yep. Yep. Yep. Alright. Yep. Yep. Yep. Yes. Yeah. Alright. Yeah. No. That's all pretty accurate. Yep. Yep. Yep. Yeah. 20. Say compare yep. Yeah. Yep. Yep. No. I don't think I have yet. No. No. I haven't. No. Yeah. Okay. Yep. Yep. Yeah. Yeah. Yep. Yes. Okay. Yep. Yeah. No. That makes things a lot easier. Yeah. Yes. Yep. Yeah. Yeah. Yes. Yep. Yeah. That's is there nothing? Yeah. Yeah. It's almost doubling. Yeah. Yeah. Yep. Yeah. No. It seems very straightforward. Yeah. Yep. Yep. Yep. Yep. Uh-huh. 24. Yep. Yep. Okay. Yep. Okay. Yep. Okay. Alright. Yep. That's Yep. Yeah. No. I'm pretty happy with that. That's been, yeah, pretty straightforward so far. Yep. Yep. No. Oh, more of a mistake. Well, Yeah. N I. Yep. Yep. Yeah. It validate. There we go. I just have to click it a few times. Yeah. Yeah. It says it's still waiting. So hopefully there we go. That should be done now. Yep. Yes. Yep. Alright. No worries at all. Alright. Thank you so much for that. Enjoy your day. Thank you. 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Yes. That's me. I'm good. Thanks.\n\nHow are you? Yep. No worries at all. Yep. No worries.\n\nTony Robert Barnes. Seventh of February 1988. And February. Yeah. It wasn't too bad.\n\nGlad it's over now. So yeah. Yes. I do. Yep.\n\nWhere is I haven't received anything yet. Let me just check that. No. Nothing. Not today anyway.\n\nYep. Yep. Yeah. Yep. That's fine.\n\nYep. Yep. Yep. Yep. No.\n\nI haven't. Okay. Yep. Yes. Yes.\n\nStill nothing. Oh, no. Yeah. Okay. Yep.\n\nThere we go. Yep. Yeah. Alright. So okay.\n\nI'm just gonna move it out of my spam folder, it says. Otherwise, I can't read it. Not drunk. Here we go. Alright.\n\nSo I'll just open up the first one. Oh, yep. Yep. Yep. Yep.\n\nAlright. Yep. Yep. I see it. Yep.\n\nYep. Yep. Yep. Alright. Yep.\n\nYep. Yep. Yes. Yeah. Alright.\n\nYeah. No. That's all pretty accurate. Yep. Yep.\n\nYep. Yeah. 20. Say compare yep. Yeah.\n\nYep. Yep. No. I don't think I have yet. No.\n\nNo. I haven't. No. Yeah. Okay.\n\nYep. Yep. Yeah. Yeah. Yep.\n\nYes. Okay. Yep. Yeah. No.\n\nThat makes things a lot easier. Yeah. Yes. Yep. Yeah.\n\nYeah. Yes. Yep. Yeah. That's is there nothing?\n\nYeah. Yeah. It's almost doubling. Yeah. Yeah.\n\nYep. Yeah. No. It seems very straightforward. Yeah.\n\nYep. Yep. Yep. Yep. Uh-huh.\n\n24. Yep. Yep. Okay. Yep.\n\nOkay. Yep. Okay. Alright. Yep.\n\nThat's Yep. Yeah. No. I'm pretty happy with that. That's been, yeah, pretty straightforward so far.\n\nYep. Yep. No. Oh, more of a mistake. Well, Yeah.\n\nN I. Yep. Yep. Yeah. It validate.\n\nThere we go. I just have to click it a few times. Yeah. Yeah. It says it's still waiting.\n\nSo hopefully there we go. That should be done now. Yep. Yes. Yep.\n\nAlright. No worries at all. Alright. Thank you so much for that. Enjoy your day.\n\nThank you. 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that.","start":1444.915,"end":1446.375,"sentiment":"positive","sentiment_score":0.7807297309239706},{"text":"Enjoy your day.","start":1448.035,"end":1449.0751,"sentiment":"positive","sentiment_score":0.671860416730245}],"sentiment":"positive","sentiment_score":0.49981407125790916,"num_words":15,"start":1436.17,"end":1449.0751},{"sentences":[{"text":"Thank you.","start":1449.0751,"end":1449.8151,"sentiment":"positive","sentiment_score":0.48769500851631165},{"text":"Bye.","start":1450.675,"end":1451.175,"sentiment":"neutral","sentiment_score":-0.10035238415002824}],"sentiment":"neutral","sentiment_score":0.291679210960865,"num_words":3,"start":1449.0751,"end":1451.175}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon. Is this Toni?\n\nChannel 1: Yes. That's me.\n\nChannel 0: This is Veronica from Financial. How are you?\n\nChannel 1: I'm good. Thanks. How are you?\n\nChannel 0: I'm good. Thanks. I had you booked in for a little bit of a catch up just to kind of go through the research I've I've I did for your super investments. Is now still a good time?\n\nChannel 1: Yep. No worries at\n\nChannel 0: Yeah.\n\nChannel 1: all.\n\nChannel 0: Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Yep. No worries.\n\nChannel 0: Perfect. And just for security purposes, just so that I can confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?\n\nChannel 1: Tony Robert Barnes. Seventh\n\nChannel 0: Yep.\n\nChannel 1: of February 1988.\n\nChannel 0: Yep.\n\nChannel 1: And February.\n\nChannel 0: Yep. Perfect. That's exactly what I have here. And how's your day been? Been busy?\n\nChannel 1: Yeah. It wasn't too bad. Glad it's over now. So\n\nChannel 0: Yes. That's good. Lucky you.\n\nChannel 1: yeah.\n\nChannel 0: Now, Tony, do you have access to your emails at the moment?\n\nChannel 1: Yes. I do.\n\nChannel 0: Okay. Beautiful. So what I have done is I have to send you an email with the recommendation to go over with you. So\n\nChannel 1: Yep.\n\nChannel 0: if you could access that when you have a moment.\n\nChannel 1: Where is I haven't received anything yet.\n\nChannel 0: Nothing yet? Okay. Let's have a look. And there's nothing in spam either?\n\nChannel 1: Let me just check that. No. Nothing.\n\nChannel 0: Alright. Let\n\nChannel 1: Not\n\nChannel 0: me\n\nChannel 1: today\n\nChannel 0: see\n\nChannel 1: anyway.\n\nChannel 0: let me see if it was sent. Yeah. It showed up on my side that it was sent two minutes ago.\n\nChannel 1: Yep.\n\nChannel 0: I might give it a couple of minutes. Then if it still hasn't come through, then I will just resend it. Because sometimes\n\nChannel 1: Yep.\n\nChannel 0: with it is a bit of it looks like it's a bit of a storm here where we're at, so it could be a little bit little bit delayed.\n\nChannel 1: Yeah.\n\nChannel 0: But are you happy for me to kind of go through some of the information? And in a couple of minutes, if it hasn't come through, then I'll just resend it to you?\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Yep. Okay. Perfect. Now every time we do make a recommendation on changing anything, so when we do making recommendations on financial products and make tailored financial advice, we have to put everything in a statement of advice for you, which is the one I have sent when it does come through. Now\n\nChannel 1: Yep.\n\nChannel 0: a lot of it is just for compliance purposes, so it is about 29 pages. I won't take that long with you, but it is just from a compliance point so that you understand everything as well. A lot of it is\n\nChannel 1: Yep.\n\nChannel 0: quite worth it, but it is so that you can take a moment and read over everything as well at your own time. But a lot of it is just for compliances. So I will try my best to make it as quick as I can for you.\n\nChannel 1: Yep.\n\nChannel 0: Now it has been tailored specifically for you. And on the cover page, when it does come through, it will have my details listed. So you will have my name, my authorized representative number, and I am licensed under OCU Financial.\n\nChannel 1: Yep.\n\nChannel 0: Now every time we do make a recommendation as well, we do have to follow something that's called their best interest duty. Have you heard of that before?\n\nChannel 1: No. I haven't.\n\nChannel 0: No. So, basically, what it means is that we have to put your best interest above anything we do every time we do make a recommendation. So put you first essentially every single time, and we also have to make sure that the advice itself puts you in a better position as a result of the advice. Otherwise, I can't actually make the recommendation. Does that make sense?\n\nChannel 1: Okay.\n\nChannel 0: Yes. Beautiful. Now I have to try to resend it to you. So, hopefully\n\nChannel 1: Yep. Yes.\n\nChannel 0: let me just check here. Still nothing?\n\nChannel 1: Yes. Still nothing.\n\nChannel 0: Usually, by now, it should have come through.\n\nChannel 1: Oh, no. Yeah.\n\nChannel 0: I'll have a little refresh on my end and see.\n\nChannel 1: Okay. Yep. There we go.\n\nChannel 0: Oh, it came through?\n\nChannel 1: Yep.\n\nChannel 0: Oh, amazing. Must have just been a bit of a delay because of the\n\nChannel 1: Yeah.\n\nChannel 0: the storm. But at least that came through, which is great.\n\nChannel 1: Alright.\n\nChannel 0: Sorry.\n\nChannel 1: So\n\nChannel 0: Let me know when you can see it.\n\nChannel 1: okay. I'm just gonna move it out of my spam folder, it says. Otherwise, I can't read it.\n\nChannel 0: Yeah. Yep. No. That's okay. Take your time.\n\nChannel 1: Not drunk. Here we go. Alright. So I'll just open up the first one.\n\nChannel 0: Yes. Yep. I'm sorry. When you click on the link sorry. So you will see in the email, there was a couple of attachments.\n\nChannel 1: Oh,\n\nChannel 0: Now\n\nChannel 1: yep.\n\nChannel 0: they are just researched for you. So we\n\nChannel 1: Yep.\n\nChannel 0: have to make sure we provide you with the research as well, and there's a bit of information. But if you\n\nChannel 1: Yep.\n\nChannel 0: click on the link where it says sign now, it will allow you\n\nChannel 1: Yep.\n\nChannel 0: to open up and view everything fast before it prompts you to sign anything.\n\nChannel 1: Alright. Yep.\n\nChannel 0: And can you now say see where it's a statement of advice, and there's a photo of the Gold Coast? Yeah.\n\nChannel 1: Yep. I\n\nChannel 0: Beautiful.\n\nChannel 1: see it.\n\nChannel 0: Yep. So if you scroll down, so the second page is that best interest duty I just mentioned for you. You'll then have table of content, pretty self explanatory,\n\nChannel 1: Yep.\n\nChannel 0: which then takes us through page three, which is scope of advice. So,\n\nChannel 1: Yep.\n\nChannel 0: basically, today, it is pretty straightforward. The scope of advice is the areas we are looking at in this advice piece, essentially. So pretty straightforward today. The only thing we are looking at is your superannuation just to make sure that's all set up correctly for you and if we wanted to make any changes to any investments that was potentially underperforming a little bit. So it is pretty\n\nChannel 1: Yep.\n\nChannel 0: straightforward today. We are not making any changes to insurances or anything like that. Otherwise, if it is something down to track you do wanna look at, if you wanna change insurances or, you know, you want a bit more cash flow advice or how to save for property, whatever it might be later as well, just let us know. We can always book you in for a bit of a catch up to go through anything else as well.\n\nChannel 1: Yep. Alright.\n\nChannel 0: Yep. Perfect. Now, otherwise, if you can scroll through to page six for me, it should say our advice to you. Can you see\n\nChannel 1: Yep.\n\nChannel 0: that? Yep. Perfect. So, basically, today, I have recommended that you stay with hub twenty four and just change your investment. So I have done a lot of research on Hub twenty four as well just to\n\nChannel 1: Yep.\n\nChannel 0: make sure it's still the best super fund option out there for you. And\n\nChannel 1: Yep.\n\nChannel 0: at the moment, it still is. So it's really competitive when it comes to prices for similar competitors that still allows us to do a lot of flexibility within investment, features, and stuff like that. So I have recommended that you stay in Hub twenty four. Now I use hub 24 for my personal super as well. And I do think it is good.\n\nAnd if it wasn't competitive for you, I would recommend another option. At the moment, it is still really competitive, though, but it is good for us to do research every now and then because there's always new products and features that comes out, and there's\n\nChannel 1: Yes.\n\nChannel 0: nothing tying us to one option. So if there's ever is another option out there for you, I will let you know. But at the moment, Hub twenty four is is doing doing the job so far.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: Alright.\n\nChannel 0: Now on the next two pages, it's just some personal information. If you could just have a quick read over that for me just to make sure that's all kind of looking looking up to date or if I need to make any changes in the back end for you.\n\nChannel 1: Yeah. No. That's all pretty accurate.\n\nChannel 0: Good. Yeah. Amazing. Which then takes us to page nine, which is just your current super in the insurances. I'll kind of skip over this section a bit because we did go through what you have in insurances and stuff in the annual review, and because\n\nChannel 1: Yep.\n\nChannel 0: we're just looking at your superannuation. Now if you can then scroll so as you kind of keep scrolling for me, you will see a section where it says your risk profile, and that basically just talks about when we went through last time those questions in regards to how you feel about volatility and and risk and stuff. And at\n\nChannel 1: Yep.\n\nChannel 0: the moment, you said you were quite happy to stay in the same risk profile. So we are keeping you in the same high growth portfolio. You still have plenty of time until retirement.\n\nChannel 1: Yep.\n\nChannel 0: So\n\nChannel 1: Yeah.\n\nChannel 0: you do have that time to take advantage of growing your superannuation. So not making any changes when it comes to that. Now, usually, what is easier from here is if you can actually scroll down to page 20 for me, you should see\n\nChannel 1: 20.\n\nChannel 0: a fee comparison table.\n\nChannel 1: Say compare yep.\n\nChannel 0: Yeah. Now some of the information you you did scroll through, it basically outlines what I'm about to tell you in a little bit more detail just in words, but I often find that seeing the table with the numbers is easier for people to kind of visualize it.\n\nChannel 1: Yeah.\n\nChannel 0: But, basically, this is the recommendation. So you can see here your current superannuation, the total fees, and the five year rolling average. And you can also see the recommended. So, again,\n\nChannel 1: Yep.\n\nChannel 0: keeping you in Hub 24, not changing contributions or insurances or our fees or anything like that. I'm just literally changing investment. Now what I have recommended for you, it is a little bit of a change to how your investment is set up. So\n\nChannel 1: Yep.\n\nChannel 0: what I have recommended is that we actually change it through something that's called an SMA. So not a self managed super fund, an SMA, which is a self managed account. Have you heard about that before?\n\nChannel 1: No. I\n\nChannel 0: No.\n\nChannel 1: don't think I have yet.\n\nChannel 0: No. And if it is as well, it is we put a bit of information in regards to it because it is something new. We have recently joined with BlackRock. Have you heard of BlackRock before? They are one of the biggest investment managers in the world, actually.\n\nHave you heard of BlackRock?\n\nChannel 1: No.\n\nChannel 0: No.\n\nChannel 1: No. I haven't.\n\nChannel 0: You\n\nChannel 1: No.\n\nChannel 0: can definitely Google them and start. They aren't massive.\n\nChannel 1: Yeah.\n\nChannel 0: But we have recently teamed up with BlackRock and created our own. It is called an SMA. So what it is, it's still very much similar to your your previous investments in the way that things work. But, basically, what it allows us to do is we can very Hub twenty four. Now when you go into Hub twenty four, how it will look on your side is that you'll have 50% sorry, 70% in an estimate that's called bloom and 30% in one that's called catalyst.\n\nThe only reason it has that slip is to give you the asset allocation allocation matching your risk profile of a high growth.\n\nChannel 1: Okay.\n\nChannel 0: If you\n\nChannel 1: Yep.\n\nChannel 0: then click on it, you will actually still see all the underlying investments. So you can still have full oversight of it. The biggest difference of why it is so competitive is, at the moment, the way that things are structured so, for example, with the Benelon that we talked a little bit about last time being a little bit underperforming. Now the way that things are currently, if we wanted to go ahead and make the change, we would obviously still go and do the research, but I would then have to put everything in this statement of advice for you and run through it with you. You'd have to sign the document to say that you're happy with it, and then we will go ahead and make the change.\n\nSo as you can imagine,\n\nChannel 1: Yep.\n\nChannel 0: sometimes that takes a little\n\nChannel 1: Yeah.\n\nChannel 0: bit of a time because it's also finding a time where I'm available and you're available to try to tee it up. And the market, there is a lot that can happen quite quickly in the market. So\n\nChannel 1: Yeah.\n\nChannel 0: we we've kind of been like, okay. Well, how can we make it quicker and more streamlined for you? But also meaning that you don't have to be involved in every single aspect if it's a quick investment change. So\n\nChannel 1: Yep.\n\nChannel 0: with the SMA, what it allows us to do is that we can quickly make those changes in the back end. Because what it looks like from you is that you are invested 70% in that blue email I mentioned and 30 in catalyst, which gives us the option of the underlying investments that you have within them. We can chop and change depending on what is going in the market. So we can do that very quickly. If we foresee one coming down, we wanna sell out of it before it drops, or if there's another one where we foresee potentially going through increase a little bit or, obviously, with, you know, interest and everything that's happening in the world, we can very quickly make those changes without having to go through this process that we've done now.\n\nIt also allows us to utilizes BlackRock's research and tools and everything like that. So our investment team, along with BlackRock, which is one of the invest the biggest investment managers in the world, teaming together to build a tailored portfolio and constantly catching up about different market trends of what's happening. So it allows us to do things a little bit more proactively for you while still making sure that we, obviously, follow that best interest. We always have to do that to make sure we put you in a better position and follow your goals. And we can\n\nChannel 1: Yes.\n\nChannel 0: still very much let you know when a change is happening. So you still have oversight. When you log in to your hub 24, like I said, you can still see all the underlying investment when you click on it. It just basically takes away from a compliance point this process, and it means that we can do things quicker for you if we have to. Does that make\n\nChannel 1: Okay.\n\nChannel 0: sense?\n\nChannel 1: Yep. Yeah. No. That makes\n\nChannel 0: Yep.\n\nChannel 1: things a lot easier.\n\nChannel 0: Yes.\n\nChannel 1: Yeah.\n\nChannel 0: So, basically, what I have is said as well, it is outlined in the SOA in words for you as well because it is sometimes a little bit to get through with the research materials, the kind of what you saw before you clicked onto the document. There is a full product disclosure statement in regards to it that goes into a lot more in-depth. But the biggest\n\nChannel 1: Yes.\n\nChannel 0: thing is it does save time on the compliance, but we can proactively do it along with, yeah, joining forces with them through coming up with the best options for you at all points in time. Now\n\nChannel 1: Yep.\n\nChannel 0: the other good thing is that by doing so, so on the page that you are on at the moment, so in Hub 24, they have different accounts depending on different investment choices. So with the SMA, it is available on another account. So still within up 24, that is a little\n\nChannel 1: Yeah.\n\nChannel 0: bit cheaper. So what it means is that it's actually saving you a $180 a year in admin fees alone because it's on a cheaper product, but it still\n\nChannel 1: Yeah.\n\nChannel 0: allows the estimate on there, which is great. So for you, you save a $180 a year in admin fees, which is great.\n\nChannel 1: Yes.\n\nChannel 0: And the investment fees as well is cheaper. So the investment in the estimate there for you, it is saving a $195 a year in fees alone. So, again, overall,\n\nChannel 1: Yep.\n\nChannel 0: reducing your fees, and it is making the fees about $355 cheaper per year, which is pretty good.\n\nChannel 1: Yeah. That's\n\nChannel 0: Yeah.\n\nChannel 1: is there nothing?\n\nChannel 0: Yeah. Exactly. The biggest thing is also the return. So with the the SMA so we use historical returns when we are using this for projection purposes. But the good thing with the SMA is that it allows us moving forward in the future because we can make those proactive choices for you.\n\nWe should see a a bigger difference as well because we can then use that forecast for you and making changes. So the really\n\nChannel 1: Yeah.\n\nChannel 0: good thing with the SMA as well is that it is outperforming your current one with quite a bit, which which is great. So it is cheaper, but it's also outperforming in terms of performance.\n\nChannel 1: Yeah. It's almost doubling.\n\nChannel 0: Yes. So it it's great. And it's still keeping the same risk. So it's not we're taking on more risk or anything like that. It is keeping the level of fluctuation within that high growth for you, but it is\n\nChannel 1: Yeah.\n\nChannel 0: improving. So, overall, that\n\nChannel 1: Yeah.\n\nChannel 0: is what I have recommended.\n\nChannel 1: Yep.\n\nChannel 0: Do you have any questions in regards to, like, the SMA or or any of that, or is it fairly straightforward?\n\nChannel 1: Yeah. No. It seems very\n\nChannel 0: No.\n\nChannel 1: straightforward. Yeah.\n\nChannel 0: Yeah. No. Beautiful. Now let me see here how that looks in that asset allocation I mentioned. If you just wanna scroll up one page to page 19 for me.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Now that then shows you the asset allocation. So you can see here the the second column, it says risk profile. That is the the ninety ten split. We then have existing, which is how you are currently invested.\n\nAnd then we\n\nChannel 1: Yep.\n\nChannel 0: have proposed, which is what the new portfolio will look like. So you can see that they are both quite similar when it comes through how much growth and how much defensive we have in it. So it's\n\nChannel 1: Yep.\n\nChannel 0: not really changing much in that area because we do wanna make it consistent for you. We don't wanna take on more risk. We were basically trying to aim of, okay, what can we do to reduce the fee? Also makes things a little bit quicker for you in compliance and improve those returns for you.\n\nChannel 1: Yep. Uh-huh.\n\nChannel 0: Beautiful. Now the last thing I do wanna mention is the remuneration. Now that is page 24.\n\nChannel 1: 24. Yep.\n\nChannel 0: Yep. Perfect. Now I just wanna go through this again so that you do no no changes whatsoever in regards to the fee structure. So if after today you are happy and you would like to go ahead with the change there, Tony, there is no\n\nChannel 1: Yep.\n\nChannel 0: additional fees or charges whatsoever. It is all\n\nChannel 1: Okay.\n\nChannel 0: part\n\nChannel 1: Yep.\n\nChannel 0: of the ongoing advice fee. So no additional fees and charges. Again, it stays exactly the same at 1.65 from your superannuation. Now you can also see that I have included your AIA insurances here. The only reason it is included is for compliances.\n\nEvery time we do get commissions, we have to disclose it to you so that you are fully aware. But I do wanna let you know that the 22% of the premium for AIA, it is AIA paying us. It is not you paying us. Before compliances, we have to disclose it so you are fully\n\nChannel 1: Okay.\n\nChannel 0: aware.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. And it is the same for every single insurer out there. So it would not say us in any way to recommend one provider over the other. It is exactly the same for every single insurer and for every adviser as well.\n\nChannel 1: Okay. Alright.\n\nChannel 0: Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Beautiful. But that is not you paying us if you see it,\n\nChannel 1: That's\n\nChannel 0: but just so that you are aware.\n\nChannel 1: Yep.\n\nChannel 0: Which basically is everything there, Tony. So on on the next couple of pages, you will see us the way to proceed. That is outlined that if you are happy to go ahead, what we are looking at doing, which is keeping your hub 24, literally just moving you to that, estimate and changing some of those investments for you. So pretty nice and easy today. So do\n\nChannel 1: Yeah.\n\nChannel 0: you have any questions for me, or what are your thoughts on all of this, Toni?\n\nChannel 1: No. I'm pretty happy with\n\nChannel 0: Quite happy?\n\nChannel 1: that. That's been,\n\nChannel 0: Yes.\n\nChannel 1: yeah, pretty straightforward so far.\n\nChannel 0: Yeah. Yeah. Beautiful. So, basically, from here, if you would like to take some time to have a read over the documents, you're more than welcome to. When you do have a read over it or if you are happy to go ahead, from\n\nChannel 1: Yep.\n\nChannel 0: here, it would be to press start in the document, and it\n\nChannel 1: Yep.\n\nChannel 0: will then ask you to add a signature and a date. And then it will once you've done that, it should say validate.\n\nChannel 1: No. Oh, more of a mistake.\n\nChannel 0: No. That's okay.\n\nChannel 1: Well,\n\nChannel 0: Is is that a little text box? You could just put NA. It\n\nChannel 1: Yeah.\n\nChannel 0: is\n\nChannel 1: N\n\nChannel 0: just\n\nChannel 1: I.\n\nChannel 0: a box\n\nChannel 1: Yep.\n\nChannel 0: yeah. It's just a box that allows you to if you would like to change anything, you can type it here. So if you're like, no. I don't like this. I would like to change it to this.\n\nThis just allows you to type it here. But, otherwise, you could just put NA or full stop. It just then it takes you to the next, which should just be the the signature and the date, hopefully,\n\nChannel 1: Yep.\n\nChannel 0: if technology is agreeing with me today.\n\nChannel 1: Yeah. It validate. There we go. I just\n\nChannel 0: Yep.\n\nChannel 1: have to\n\nChannel 0: Perfect.\n\nChannel 1: click it a few times.\n\nChannel 0: No. That's and it could also be because, yeah, Internet's because it is a bit of a storm here at the moment. It seems like it's running a little bit slower.\n\nChannel 1: Yeah.\n\nChannel 0: So I will just refresh here and see if it comes through. It could be if it did say validate on your end, it could just be on its way,\n\nChannel 1: Yeah.\n\nChannel 0: which is\n\nChannel 1: It\n\nChannel 0: fine.\n\nChannel 1: says it's still waiting. So hopefully there we go. That should be done now.\n\nChannel 0: Should be all good. Okay. Perfect. I'll keep a little look at at that. Oh, yep.\n\nThat's just come through, which is fantastic. So I will let the team know that we'll go ahead and make this investment change for you. You should\n\nChannel 1: Yep.\n\nChannel 0: see it in your hub 24 as well when it's changed. And like I said, you can still click on the SMA, and you can still see the underlying investments if it is something that you you want to see or keep a look at. But I'll But, otherwise, it's all in there for you. If there is any other questions or anything that you need at any point in time, though, you can always give me a call or send me an email. It doesn't have to be a under review time.\n\nBut if\n\nChannel 1: Yes.\n\nChannel 0: not, we'll obviously touch base next under review time and see how everything is progressing and how it's all going and if you want any more advice and anything. But like I said, you can give me a call whenever you want through if if anything you do wanna discuss.\n\nChannel 1: Yep. Alright. No\n\nChannel 0: Yep.\n\nChannel 1: worries at all.\n\nChannel 0: Beautiful. Well, thank you so much for your time this afternoon, and I will let you go and enjoy the rest of your afternoon, Tony.\n\nChannel 1: Alright. Thank you so much for that.\n\nChannel 0: Mhmm. No problem at all. We'll speak soon.\n\nChannel 1: Enjoy your day. Thank\n\nChannel 0: Mhmm.\n\nChannel 1: you.\n\nChannel 0: You too. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.79999995,"end":1.3,"sentiment":"neutral","sentiment_score":0.022541075944900513}],"sentiment":"neutral","sentiment_score":0.022541075944900513,"channel":1,"num_words":1,"start":0.79999995,"end":1.3},{"sentences":[{"text":"Good afternoon.","start":1.92,"end":2.6399999,"sentiment":"neutral","sentiment_score":0.20492835342884064},{"text":"Is this Toni?","start":2.6399999,"end":3.54,"sentiment":"neutral","sentiment_score":0.10472477972507477}],"sentiment":"neutral","sentiment_score":0.1448062092065811,"channel":0,"num_words":5,"start":1.92,"end":3.54},{"sentences":[{"text":"Yes.","start":3.84,"end":4.16,"sentiment":"neutral","sentiment_score":0.1333271861076355},{"text":"That's me.","start":4.16,"end":4.98,"sentiment":"neutral","sentiment_score":0.1773095279932022}],"sentiment":"neutral","sentiment_score":0.16264874736467996,"channel":1,"num_words":3,"start":3.84,"end":4.98},{"sentences":[{"text":"This is Veronica from Financial.","start":5.12,"end":6.8999996,"sentiment":"neutral","sentiment_score":0.17057844996452332},{"text":"How are you?","start":7.3599997,"end":8.18,"sentiment":"neutral","sentiment_score":0.15767118334770203}],"sentiment":"neutral","sentiment_score":0.16573822498321533,"channel":0,"num_words":8,"start":5.12,"end":8.18},{"sentences":[{"text":"I'm good.","start":8.4,"end":8.88,"sentiment":"positive","sentiment_score":0.4776119291782379},{"text":"Thanks.","start":8.88,"end":9.2,"sentiment":"positive","sentiment_score":0.5600410103797913},{"text":"How are you?","start":9.2,"end":9.94,"sentiment":"neutral","sentiment_score":0.3108479579289754}],"sentiment":"positive","sentiment_score":0.40796812375386554,"channel":1,"num_words":6,"start":8.4,"end":9.94},{"sentences":[{"text":"I'm good.","start":10.16,"end":10.719999,"sentiment":"positive","sentiment_score":0.4649536907672882},{"text":"Thanks.","start":10.719999,"end":11.219999,"sentiment":"positive","sentiment_score":0.5543227791786194},{"text":"I had you booked in for a little bit of a catch up just to kind of go through the research I've I've I did for your super investments.","start":12.125,"end":19.505001,"sentiment":"neutral","sentiment_score":0.2132973455149552},{"text":"Is now still a good time?","start":19.565,"end":20.945,"sentiment":"neutral","sentiment_score":0.18025516718626022}],"sentiment":"neutral","sentiment_score":0.2302995837832752,"channel":0,"num_words":38,"start":10.16,"end":20.945},{"sentences":[{"text":"Yep.","start":21.135,"end":21.455,"sentiment":"neutral","sentiment_score":0.05569922551512718},{"text":"No worries 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please?","start":33.75,"end":43.165,"sentiment":"neutral","sentiment_score":0.07039391746123631}],"sentiment":"neutral","sentiment_score":0.07445853356929387,"channel":0,"num_words":34,"start":33.03,"end":43.165},{"sentences":[{"text":"Tony Robert Barnes.","start":43.825,"end":45.125,"sentiment":"neutral","sentiment_score":0.009549187185863653},{"text":"Seventh","start":45.665,"end":46.165,"sentiment":"neutral","sentiment_score":0.0110253244638443}],"sentiment":"neutral","sentiment_score":0.009918221505358815,"channel":1,"num_words":4,"start":43.825,"end":46.165},{"sentences":[{"text":"Yep.","start":45.785,"end":46.285,"sentiment":"neutral","sentiment_score":0.013423630967736244}],"sentiment":"neutral","sentiment_score":0.013423630967736244,"channel":0,"num_words":1,"start":45.785,"end":46.285},{"sentences":[{"text":"of February 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accurate.","start":537.185,"end":538.805,"sentiment":"neutral","sentiment_score":0.21450670436024666}],"sentiment":"neutral","sentiment_score":0.171741950015227,"channel":1,"num_words":6,"start":536.545,"end":538.805},{"sentences":[{"text":"Good.","start":538.68,"end":539.18,"sentiment":"positive","sentiment_score":0.42911940813064575},{"text":"Yeah.","start":539.24,"end":539.64,"sentiment":"positive","sentiment_score":0.40205755829811096},{"text":"Amazing.","start":539.64,"end":540.14,"sentiment":"positive","sentiment_score":0.5037657022476196},{"text":"Which then takes us to page nine, which is just your current super in the insurances.","start":541.4,"end":546.86,"sentiment":"neutral","sentiment_score":0.17332142312079668},{"text":"I'll kind of skip over this section a bit because we did go through what you have in insurances and stuff in the annual review, and 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growing your superannuation.","start":588.015,"end":591.635,"sentiment":"positive","sentiment_score":0.5179510066906611},{"text":"So not making any changes when it comes to that.","start":592.09503,"end":594.99,"sentiment":"neutral","sentiment_score":0.12179451659321786},{"text":"Now, usually, what is easier from here is if you can actually scroll down to page 20 for me, you should see","start":595.87,"end":605.07,"sentiment":"neutral","sentiment_score":0.1780269697985866}],"sentiment":"neutral","sentiment_score":0.25795342231338675,"channel":0,"num_words":44,"start":588.015,"end":605.07},{"sentences":[{"text":"20.","start":604.985,"end":605.43,"sentiment":"neutral","sentiment_score":0.13139769434928894}],"sentiment":"neutral","sentiment_score":0.13139769434928894,"channel":1,"num_words":1,"start":604.985,"end":605.43},{"sentences":[{"text":"a fee comparison table.","start":605.07,"end":607.41,"sentiment":"neutral","sentiment_score":0.10802914761006832}],"sentiment":"neutral","sentiment_score":0.10802914761006832,"channel":0,"num_words":4,"start":605.07,"end":607.41},{"sentences":[{"text":"Say compare yep.","start":611.51,"end":612.81,"sentiment":"neutral","sentiment_score":0.09047739456097285}],"sentiment":"neutral","sentiment_score":0.09047739456097285,"channel":1,"num_words":3,"start":611.51,"end":612.81},{"sentences":[{"text":"Yeah.","start":613.075,"end":613.555,"sentiment":"neutral","sentiment_score":0.10062280297279358},{"text":"Now some of the information you you did scroll through, it basically outlines what I'm about to tell you in a little bit more detail just in words, but I often find that seeing the table with the numbers is easier for people to kind of visualize it.","start":613.555,"end":628.99,"sentiment":"neutral","sentiment_score":0.16808724558601776}],"sentiment":"neutral","sentiment_score":0.1667104202265642,"channel":0,"num_words":49,"start":613.075,"end":628.99},{"sentences":[{"text":"Yeah.","start":629.535,"end":630.035,"sentiment":"neutral","sentiment_score":0.08592459559440613}],"sentiment":"neutral","sentiment_score":0.08592459559440613,"channel":1,"num_words":1,"start":629.535,"end":630.035},{"sentences":[{"text":"But, basically, this is the recommendation.","start":629.85,"end":631.87,"sentiment":"neutral","sentiment_score":0.12878221397598585},{"text":"So you can see here your current superannuation, the total fees, and the five year rolling average.","start":632.17,"end":639.175,"sentiment":"neutral","sentiment_score":0.17734022350872264},{"text":"And you can also see the recommended.","start":639.95496,"end":642.055,"sentiment":"neutral","sentiment_score":0.13926127552986145},{"text":"So, 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up.","start":653.68005,"end":661.14,"sentiment":"neutral","sentiment_score":0.12696444006128746},{"text":"So","start":661.68005,"end":662.0,"sentiment":"neutral","sentiment_score":0.11612454056739809}],"sentiment":"neutral","sentiment_score":0.08150589143236478,"channel":0,"num_words":45,"start":643.71497,"end":662.0},{"sentences":[{"text":"Yep.","start":661.83997,"end":662.33997,"sentiment":"neutral","sentiment_score":0.11286288499832152}],"sentiment":"neutral","sentiment_score":0.11286288499832152,"channel":1,"num_words":1,"start":661.83997,"end":662.33997},{"sentences":[{"text":"what I have recommended is that we actually change it through something that's called an SMA.","start":662.0,"end":669.765,"sentiment":"neutral","sentiment_score":0.09989260137081146},{"text":"So not a self managed super fund, an SMA, which is a self managed account.","start":670.225,"end":676.245,"sentiment":"neutral","sentiment_score":0.025663957496484122},{"text":"Have you heard about that 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yet.","start":679.885,"end":681.345,"sentiment":"neutral","sentiment_score":-0.13829653561115265}],"sentiment":"neutral","sentiment_score":-0.13829653561115265,"channel":1,"num_words":5,"start":679.885,"end":681.345},{"sentences":[{"text":"No.","start":681.08,"end":681.58,"sentiment":"neutral","sentiment_score":-0.08634628355503082},{"text":"And if it is as well, it is we put a bit of information in regards to it because it is something new.","start":681.88,"end":687.48,"sentiment":"neutral","sentiment_score":0.011893229113648767},{"text":"We have recently joined with BlackRock.","start":687.48,"end":690.94,"sentiment":"neutral","sentiment_score":0.14062062154213587},{"text":"Have you heard of BlackRock before?","start":691.245,"end":692.605,"sentiment":"neutral","sentiment_score":0.0785041314860185},{"text":"They are one of the biggest investment managers in the world, 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massive.","start":701.325,"end":702.305,"sentiment":"neutral","sentiment_score":-0.15399295091629028}],"sentiment":"neutral","sentiment_score":-0.138013218012121,"channel":0,"num_words":9,"start":699.725,"end":702.305},{"sentences":[{"text":"Yeah.","start":703.16,"end":703.66,"sentiment":"neutral","sentiment_score":0.05431601405143738}],"sentiment":"neutral","sentiment_score":0.05431601405143738,"channel":1,"num_words":1,"start":703.16,"end":703.66},{"sentences":[{"text":"But we have recently teamed up with BlackRock and created our own.","start":703.645,"end":708.5,"sentiment":"neutral","sentiment_score":0.27745305622617406},{"text":"It is called an SMA.","start":708.5,"end":709.88,"sentiment":"neutral","sentiment_score":0.3014626741409302},{"text":"So what it is, it's still very much similar to your your previous investments in the way that things work.","start":710.58,"end":716.52,"sentiment":"neutral","sentiment_score":0.32982069104909895},{"text":"But, basically, what it allows us 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them.","start":821.18,"end":831.82,"sentiment":"neutral","sentiment_score":0.32135166509731394},{"text":"We can chop and change depending on what is going in the market.","start":831.82,"end":835.39496,"sentiment":"positive","sentiment_score":0.4012131140782283},{"text":"So we can do that very quickly.","start":835.39496,"end":836.83496,"sentiment":"positive","sentiment_score":0.6093906589916774},{"text":"If we foresee one coming down, we wanna sell out of it before it drops, or if there's another one where we foresee potentially going through increase a little bit or, obviously, with, you know, interest and everything that's happening in the world, we can very quickly make those changes without having to go through this process that we've done now.","start":836.83496,"end":854.95,"sentiment":"positive","sentiment_score":0.34980378678587615}],"sentiment":"positive","sentiment_score":0.3740804547028576,"channel":0,"num_words":139,"start":814.245,"end":854.95},{"sentences":[{"text":"It 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now.","start":1382.74,"end":1384.36,"sentiment":"positive","sentiment_score":0.3362588047981262}],"sentiment":"neutral","sentiment_score":0.1898948715201446,"channel":1,"num_words":14,"start":1377.62,"end":1384.36},{"sentences":[{"text":"Should be all good.","start":1384.265,"end":1385.0651,"sentiment":"positive","sentiment_score":0.45758193731307983},{"text":"Okay.","start":1385.0651,"end":1385.5651,"sentiment":"neutral","sentiment_score":0.24225294589996335},{"text":"Perfect.","start":1385.625,"end":1386.125,"sentiment":"positive","sentiment_score":0.49842914938926697},{"text":"I'll keep a little look at at that.","start":1386.425,"end":1387.9451,"sentiment":"positive","sentiment_score":0.36382727697491646},{"text":"Oh, yep.","start":1387.9451,"end":1388.425,"sentiment":"positive","sentiment_score":0.5154024958610535}],"sentiment":"positive","sentiment_score":0.40702706575393677,"channel":0,"num_words":16,"start":1384.265,"end":1388.425},{"sentences":[{"text":"That's just come through, which is fantastic.","start":1388.425,"end":1390.285,"sentiment":"positive","sentiment_score":0.7661380852971759},{"text":"So I will let the team know that we'll go ahead and make this investment change for you.","start":1391.56,"end":1396.14,"sentiment":"positive","sentiment_score":0.5053809169265959},{"text":"You should","start":1396.28,"end":1396.8401,"sentiment":"neutral","sentiment_score":0.3280072957277298}],"sentiment":"positive","sentiment_score":0.5598458404894229,"channel":0,"num_words":27,"start":1388.425,"end":1396.8401},{"sentences":[{"text":"Yep.","start":1396.715,"end":1397.215,"sentiment":"neutral","sentiment_score":0.23337769508361816}],"sentiment":"neutral","sentiment_score":0.23337769508361816,"channel":1,"num_words":1,"start":1396.715,"end":1397.215},{"sentences":[{"text":"see it in your hub 24 as well when it's changed.","start":1396.8401,"end":1402.2201,"sentiment":"neutral","sentiment_score":0.24238350716504184},{"text":"And like I said, you can still click on the SMA, and you can still see the underlying investments if it is something that you you want to see or keep a look at.","start":1402.4401,"end":1404.68,"sentiment":"neutral","sentiment_score":0.2273362331530627},{"text":"But I'll But, otherwise, it's all in there for you.","start":1404.68,"end":1413.4451,"sentiment":"neutral","sentiment_score":0.2652373820543289},{"text":"If there is any other questions or anything that you need at any point in time, though, you can always give me a call or send me an email.","start":1414.385,"end":1420.67,"sentiment":"neutral","sentiment_score":0.15797885378886914},{"text":"It doesn't have to be a under review time.","start":1420.67,"end":1422.6901,"sentiment":"neutral","sentiment_score":0.05164864038427671}],"sentiment":"neutral","sentiment_score":0.19456181559030727,"channel":0,"num_words":93,"start":1396.8401,"end":1422.6901},{"sentences":[{"text":"But if","start":1423.15,"end":1423.55,"sentiment":"neutral","sentiment_score":0.07600376009941101}],"sentiment":"neutral","sentiment_score":0.07600376009941101,"channel":0,"num_words":2,"start":1423.15,"end":1423.55},{"sentences":[{"text":"Yes.","start":1423.495,"end":1423.995,"sentiment":"neutral","sentiment_score":0.08249619603157043}],"sentiment":"neutral","sentiment_score":0.08249619603157043,"channel":1,"num_words":1,"start":1423.495,"end":1423.995},{"sentences":[{"text":"not, we'll obviously touch base next under review time and see how everything is progressing and how it's all going and if you want any more advice and anything.","start":1423.55,"end":1430.53,"sentiment":"neutral","sentiment_score":0.24224519408468542},{"text":"But like I said, you can give me a call whenever you want through if if anything you do wanna discuss.","start":1430.9149,"end":1435.1749,"sentiment":"neutral","sentiment_score":0.12071954955657323}],"sentiment":"neutral","sentiment_score":0.1912044233828783,"channel":0,"num_words":50,"start":1423.55,"end":1435.1749},{"sentences":[{"text":"Yep.","start":1435.93,"end":1436.17,"sentiment":"neutral","sentiment_score":0.10097751021385191},{"text":"Alright.","start":1436.17,"end":1436.57,"sentiment":"neutral","sentiment_score":0.12396293878555298},{"text":"No","start":1436.57,"end":1436.81,"sentiment":"neutral","sentiment_score":0.04456882178783417}],"sentiment":"neutral","sentiment_score":0.08983642359574635,"channel":1,"num_words":3,"start":1435.93,"end":1436.81},{"sentences":[{"text":"Yep.","start":1436.755,"end":1437.255,"sentiment":"neutral","sentiment_score":0.021990451961755753}],"sentiment":"neutral","sentiment_score":0.021990451961755753,"channel":0,"num_words":1,"start":1436.755,"end":1437.255},{"sentences":[{"text":"worries at all.","start":1436.81,"end":1437.555,"sentiment":"neutral","sentiment_score":0.04817068080107371}],"sentiment":"neutral","sentiment_score":0.04817068080107371,"channel":1,"num_words":3,"start":1436.81,"end":1437.555},{"sentences":[{"text":"Beautiful.","start":1437.7949,"end":1438.2949,"sentiment":"positive","sentiment_score":0.7155576944351196},{"text":"Well, thank you so much for your time this afternoon, and I will let you go and enjoy the rest of your afternoon, Tony.","start":1438.355,"end":1444.0549,"sentiment":"positive","sentiment_score":0.7524973650773367}],"sentiment":"positive","sentiment_score":0.7510197782516479,"channel":0,"num_words":25,"start":1437.7949,"end":1444.0549},{"sentences":[{"text":"Alright.","start":1444.515,"end":1444.915,"sentiment":"positive","sentiment_score":0.4842076301574707},{"text":"Thank you so much for that.","start":1444.915,"end":1446.375,"sentiment":"positive","sentiment_score":0.7807297309239706}],"sentiment":"positive","sentiment_score":0.7383694308144706,"channel":1,"num_words":7,"start":1444.515,"end":1446.375},{"sentences":[{"text":"Mhmm.","start":1446.1989,"end":1446.5189,"sentiment":"neutral","sentiment_score":0.21164807677268985},{"text":"No problem at all.","start":1446.5189,"end":1447.3188,"sentiment":"positive","sentiment_score":0.3651566132903099},{"text":"We'll speak soon.","start":1447.3188,"end":1448.299,"sentiment":"positive","sentiment_score":0.44231119751930237}],"sentiment":"positive","sentiment_score":0.37490101531147957,"channel":0,"num_words":8,"start":1446.1989,"end":1448.299},{"sentences":[{"text":"Enjoy your day.","start":1448.035,"end":1449.0751,"sentiment":"positive","sentiment_score":0.671860416730245},{"text":"Thank","start":1449.0751,"end":1449.3151,"sentiment":"positive","sentiment_score":0.5393331050872803}],"sentiment":"positive","sentiment_score":0.6387285888195038,"channel":1,"num_words":4,"start":1448.035,"end":1449.3151},{"sentences":[{"text":"Mhmm.","start":1449.0789,"end":1449.4789,"sentiment":"positive","sentiment_score":0.38853901624679565}],"sentiment":"positive","sentiment_score":0.38853901624679565,"channel":0,"num_words":1,"start":1449.0789,"end":1449.4789},{"sentences":[{"text":"you.","start":1449.3151,"end":1449.8151,"sentiment":"positive","sentiment_score":0.436056911945343}],"sentiment":"positive","sentiment_score":0.436056911945343,"channel":1,"num_words":1,"start":1449.3151,"end":1449.8151},{"sentences":[{"text":"You too.","start":1449.4789,"end":1450.039,"sentiment":"neutral","sentiment_score":0.3002357482910156},{"text":"Bye.","start":1450.039,"end":1450.539,"sentiment":"neutral","sentiment_score":0.21084189414978027}],"sentiment":"neutral","sentiment_score":0.2704377969106038,"channel":0,"num_words":3,"start":1449.4789,"end":1450.539},{"sentences":[{"text":"Bye.","start":1450.675,"end":1451.175,"sentiment":"neutral","sentiment_score":-0.10035238415002824}],"sentiment":"neutral","sentiment_score":-0.10035238415002824,"channel":1,"num_words":1,"start":1450.675,"end":1451.175}]},"summary":{"result":"success","short":"A representative from Financial calls Toni to discuss their investment research. The recommendations are tailored to their financial goals and personal preferences. The advice is tailored to their best interests and can be made through an SMA account. The product disclosure statement is recommended for the customer to use and the agent explains that the change is being made through BlackRock's research and tools. The agent provides instructions on how to proceed with the change and offers assistance with any questions or concerns."},"intents":{"segments":[{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep.","start_word":68,"end_word":97,"intents":[{"intent":"Ensure understanding","confidence_score":0.00008367695}]},{"text":"And just for security purposes, just so that I can confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Tony Robert Barnes.","start_word":101,"end_word":136,"intents":[{"intent":"Confirm identity","confidence_score":0.71497077}]},{"text":"Now, Tony, do you have access to your emails at the moment? Yes. I do.","start_word":176,"end_word":190,"intents":[{"intent":"Access emails","confidence_score":0.23958953}]},{"text":"So what I have done is I have to send you an email with the recommendation to go over with you. So Yep.","start_word":193,"end_word":215,"intents":[{"intent":"Send recommendation","confidence_score":0.003376323}]},{"text":"Now every time we do make a recommendation on changing anything, so when we do making recommendations on financial products and make tailored financial advice, we have to put everything in a statement of advice for you, which is the one I have sent when it does come through. Now Yep.","start_word":375,"end_word":425,"intents":[{"intent":"Recommend changes","confidence_score":0.1263815}]},{"text":"No. I haven't. No. So, basically, what it means is that we have to put your best interest above anything we do every time we do make a recommendation. So put you first essentially every single time, and we also have to make sure that the advice itself puts you in a better position as a result of the advice. Otherwise, I can't actually make the recommendation. Does that make sense?","start_word":588,"end_word":658,"intents":[{"intent":"Confirm recommendation","confidence_score":0.264845}]},{"text":"So, basically, what it means is that we have to put your best interest above anything we do every time we do make a recommendation. So put you first essentially every single time, and we also have to make sure that the advice itself puts you in a better position as a result of the advice. Otherwise, I can't actually make the recommendation. Does that make sense? Okay.","start_word":592,"end_word":659,"intents":[{"intent":"Provide advice","confidence_score":0.068117775}]},{"text":"Usually, by now, it should have come through. Oh, no. Yeah.","start_word":686,"end_word":696,"intents":[{"intent":"End conversation","confidence_score":0.03620362}]},{"text":"Otherwise, if it is something down to track you do wanna look at, if you wanna change insurances or, you know, you want a bit more cash flow advice or how to save for property, whatever it might be later as well, just let us know. We can always book you in for a bit of a catch up to go through anything else as well. Yep.","start_word":1037,"end_word":1103,"intents":[{"intent":"Track information","confidence_score":0.11009627},{"intent":"Follow up","confidence_score":0.0047591757}]},{"text":"We can always book you in for a bit of a catch up to go through anything else as well. Yep.","start_word":1082,"end_word":1102,"intents":[{"intent":"Book catch up","confidence_score":0.928065}]},{"text":"So, basically, today, I have recommended that you stay with hub twenty four and just change your investment.","start_word":1132,"end_word":1149,"intents":[{"intent":"Change investments","confidence_score":0.0089544775}]},{"text":"So, basically, today, I have recommended that you stay with hub twenty four and just change your investment. So I have done a lot of research on Hub twenty four as well just to Yep. make sure it's still the best super fund option out there for you. And Yep.","start_word":1132,"end_word":1181,"intents":[{"intent":"Research hub twenty four","confidence_score":0.3339549}]},{"text":"Now on the next two pages, it's just some personal information. If you could just have a quick read over that for me just to make sure that's all kind of looking looking up to date or if I need to make any changes in the back end for you. Yeah.","start_word":1334,"end_word":1384,"intents":[{"intent":"Obtain personal information","confidence_score":0.0040026493}]},{"text":"Now if you can then scroll so as you kind of keep scrolling for me, you will see a section where it says your risk profile, and that basically just talks about when we went through last time those questions in regards to how you feel about volatility and and risk and stuff. And at Yep.","start_word":1443,"end_word":1498,"intents":[{"intent":"Explore risk profile and portfolio","confidence_score":0.00035467607}]},{"text":"Now what I have recommended for you, it is a little bit of a change to how your investment is set up. So Yep.","start_word":1693,"end_word":1716,"intents":[{"intent":"Discuss investment recommendations","confidence_score":0.013441279}]},{"text":"what I have recommended is that we actually change it through something that's called an SMA. So not a self managed super fund, an SMA, which is a self managed account. Have you heard about that before?","start_word":1717,"end_word":1753,"intents":[{"intent":"Describe sma","confidence_score":0.009385598}]},{"text":"But, basically, what it allows us to do is we can very Hub twenty four. Now when you go into Hub twenty four, how it will look on your side is that you'll have 50% sorry, 70% in an estimate that's called bloom and 30% in one that's called catalyst. The only reason it has that slip is to give you the asset allocation allocation matching your risk profile of a high growth. Okay.","start_word":1869,"end_word":1942,"intents":[{"intent":"Assess investment capabilities","confidence_score":0.00005938221}]},{"text":"When you log in to your hub 24, like I said, you can still see all the underlying investment when you click on it. It just basically takes away from a compliance point this process, and it means that we can do things quicker for you if we have to. Does that make Okay. sense?","start_word":2425,"end_word":2479,"intents":[{"intent":"Monitor investment progress","confidence_score":0.0027215115}]},{"text":"So, basically, what I have is said as well, it is outlined in the SOA in words for you as well because it is sometimes a little bit to get through with the research materials, the kind of what you saw before you clicked onto the document.","start_word":2493,"end_word":2539,"intents":[{"intent":"Educate about sma","confidence_score":0.0012079511}]},{"text":"not really changing much in that area because we do wanna make it consistent for you. We don't wanna take on more risk. We were basically trying to aim of, okay, what can we do to reduce the fee? Also makes things a little bit quicker for you in compliance and improve those returns for you. Yep.","start_word":3073,"end_word":3129,"intents":[{"intent":"Optimize portfolio changes","confidence_score":0.00013857454}]},{"text":"Now you can also see that I have included your AIA insurances here. The only reason it is included is for compliances. Every time we do get commissions, we have to disclose it to you so that you are fully aware. But I do wanna let you know that the 22% of the premium for AIA, it is AIA paying us. It is not you paying us. Before compliances, we have to disclose it so you are fully Okay. aware.","start_word":3231,"end_word":3310,"intents":[{"intent":"Provide information","confidence_score":0.07583213}]},{"text":"But I do wanna let you know that the 22% of the premium for AIA, it is AIA paying us. It is not you paying us. Before compliances, we have to disclose it so you are fully Okay.","start_word":3271,"end_word":3308,"intents":[{"intent":"Explain fee","confidence_score":0.0011347615}]},{"text":"So on on the next couple of pages, you will see us the way to proceed. That is outlined that if you are happy to go ahead, what we are looking at doing, which is keeping your hub 24, literally just moving you to that, estimate and changing some of those investments for you. So pretty nice and easy today.","start_word":3389,"end_word":3448,"intents":[{"intent":"Describe process","confidence_score":0.0063812067},{"intent":"Offer options","confidence_score":0.00045932108}]},{"text":"When you do have a read over it or if you are happy to go ahead, from Yep. here, it would be to press start in the document, and it Yep. will then ask you to add a signature and a date. And then it will once you've done that, it should say validate. No.","start_word":3511,"end_word":3565,"intents":[{"intent":"Encourage reading","confidence_score":0.0023033111}]},{"text":"Well, Is is that a little text box? You could just put NA. It Yeah. is N just I. a box Yep.","start_word":3574,"end_word":3595,"intents":[{"intent":"End conversation","confidence_score":0.008882988}]},{"text":"if technology is agreeing with me today. Yeah. It validate.","start_word":3673,"end_word":3682,"intents":[{"intent":"Update technology","confidence_score":0.009101689}]},{"text":"Yeah. It validate.","start_word":3680,"end_word":3682,"intents":[{"intent":"Confirm process","confidence_score":0.00041797294}]},{"text":"So I will just refresh here and see if it comes through. It could be if it did say validate on your end, it could just be on its way, Yeah.","start_word":3729,"end_word":3759,"intents":[{"intent":"Refresh","confidence_score":0.0064656106}]},{"text":"So I will let the team know that we'll go ahead and make this investment change for you. You should Yep.","start_word":3801,"end_word":3821,"intents":[{"intent":"Update investment status","confidence_score":0.030935729},{"intent":"Update team","confidence_score":0.14064398}]},{"text":"If there is any other questions or anything that you need at any point in time, though, you can always give me a call or send me an email. It doesn't have to be a under review time. But if Yes. not, we'll obviously touch base next under review time and see how everything is progressing and how it's all going and if you want any more advice and anything.","start_word":3877,"end_word":3946,"intents":[{"intent":"Provide advice","confidence_score":0.38175932}]},{"text":"not, we'll obviously touch base next under review time and see how everything is progressing and how it's all going and if you want any more advice and anything.","start_word":3918,"end_word":3946,"intents":[{"intent":"Touch base next review time","confidence_score":0.06329669}]}]},"sentiments":{"segments":[{"text":"Hello? Good afternoon. Is this Toni? Yes. That's me. This is Veronica from Financial. How are you?","start_word":0,"end_word":16,"sentiment":"neutral","sentiment_score":0.14620833098888397},{"text":"I'm good. Thanks.","start_word":17,"end_word":19,"sentiment":"positive","sentiment_score":0.49617743492126465},{"text":"How are you?","start_word":20,"end_word":22,"sentiment":"neutral","sentiment_score":0.32136738300323486},{"text":"I'm good. Thanks.","start_word":23,"end_word":25,"sentiment":"positive","sentiment_score":0.48673099279403687},{"text":"I had you booked in for a little bit of a catch up just to kind of go through the research I've I've I did for your super investments. Is now still a good time? Yep. No worries at Yeah. all. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. No worries. Perfect. And just for security purposes, just so that I can confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Tony Robert Barnes. Seventh Yep. of February 1988. Yep. And February. Yep.","start_word":26,"end_word":145,"sentiment":"neutral","sentiment_score":0.10443919897079468},{"text":"Perfect. That's exactly what I have here.","start_word":146,"end_word":152,"sentiment":"positive","sentiment_score":0.4300859868526459},{"text":"And how's your day been? Been busy? Yeah. It wasn't too bad.","start_word":153,"end_word":164,"sentiment":"neutral","sentiment_score":0.13107722997665405},{"text":"Glad it's over now.","start_word":165,"end_word":168,"sentiment":"positive","sentiment_score":0.3742389976978302},{"text":"So Yes.","start_word":169,"end_word":170,"sentiment":"neutral","sentiment_score":0.2606394290924072},{"text":"That's good. Lucky you.","start_word":171,"end_word":174,"sentiment":"positive","sentiment_score":0.4687105715274811},{"text":"yeah. Now, Tony, do you have access to your emails at the moment? Yes. I do. Okay. Beautiful. So what I have done is I have to send you an email with the recommendation to go over with you. So Yep. if you could access that when you have a moment. Where is I haven't received anything yet. Nothing yet? Okay. Let's have a look. And there's nothing in spam either? Let me just check that. No. Nothing. Alright. Let Not me today see anyway. let me see if it was sent. Yeah. It showed up on my side that it was sent two minutes ago. Yep. I might give it a couple of minutes. Then if it still hasn't come through, then I will just resend it. Because sometimes Yep. with it is a bit of it looks like it's a bit of a storm here where we're at, so it could be a little bit little bit delayed. Yeah. But are you happy for me to kind of go through some of the information? And in a couple of minutes, if it hasn't come through, then I'll just resend it to you? Yep. That's fine. Yep.","start_word":175,"end_word":372,"sentiment":"neutral","sentiment_score":0.03125641472411878},{"text":"Okay. Perfect.","start_word":373,"end_word":374,"sentiment":"positive","sentiment_score":0.6161952018737793},{"text":"Now every time we do make a recommendation on changing anything, so when we do making recommendations on financial products and make tailored financial advice, we have to put everything in a statement of advice for you, which is the one I have sent when it does come through. Now Yep. a lot of it is just for compliance purposes, so it is about 29 pages. I won't take that long with you, but it is just from a compliance point so that you understand everything as well.","start_word":375,"end_word":462,"sentiment":"neutral","sentiment_score":0.16205771267414093},{"text":"A lot of it is Yep. quite worth it, but it is so that you can take a moment and read over everything as well at your own time.","start_word":463,"end_word":491,"sentiment":"positive","sentiment_score":0.37232452630996704},{"text":"But a lot of it is just for compliances. So I will try my best to make it as quick as I can for you. Yep. Now it has been tailored specifically for you. And on the cover page, when it does come through, it will have my details listed. So you will have my name, my authorized representative number, and I am licensed under OCU Financial. Yep. Now every time we do make a recommendation as well, we do have to follow something that's called their best interest duty. Have you heard of that before? No. I haven't. No. So, basically, what it means is that we have to put your best interest above anything we do every time we do make a recommendation. So put you first essentially every single time, and we also have to make sure that the advice itself puts you in a better position as a result of the advice. Otherwise, I can't actually make the recommendation. Does that make sense? Okay. Yes.","start_word":492,"end_word":660,"sentiment":"neutral","sentiment_score":0.05871397629380226},{"text":"Beautiful.","start_word":661,"end_word":661,"sentiment":"positive","sentiment_score":0.3678388595581054},{"text":"Now I have to try to resend it to you. So, hopefully Yep. Yes. let me just check here. Still nothing? Yes. Still nothing. Usually, by now, it should have come through. Oh, no. Yeah. I'll have a little refresh on my end and see. Okay. Yep. There we go. Oh, it came through? Yep.","start_word":662,"end_word":716,"sentiment":"neutral","sentiment_score":0.017514803023500877},{"text":"Oh, amazing.","start_word":717,"end_word":718,"sentiment":"positive","sentiment_score":0.6113298535346985},{"text":"Must have just been a bit of a delay because of the Yeah. the storm.","start_word":719,"end_word":733,"sentiment":"neutral","sentiment_score":0.015321843326091766},{"text":"But at least that came through, which is great.","start_word":734,"end_word":742,"sentiment":"positive","sentiment_score":0.4789121448993683},{"text":"Alright. Sorry. So Let me know when you can see it. okay. I'm just gonna move it out of my spam folder, it says. Otherwise, I can't read it. Yeah. Yep. No. That's okay. Take your time. Not drunk. Here we go. Alright. So I'll just open up the first one. Yes. Yep. I'm sorry. When you click on the link sorry. So you will see in the email, there was a couple of attachments. Oh, Now yep. they are just researched for you. So we Yep. have to make sure we provide you with the research as well, and there's a bit of information. But if you Yep. click on the link where it says sign now, it will allow you Yep. to open up and view everything fast before it prompts you to sign anything. Alright. Yep. And can you now say see where it's a statement of advice, and there's a photo of the Gold Coast? Yeah. Yep.","start_word":743,"end_word":903,"sentiment":"neutral","sentiment_score":0.03527313470840454},{"text":"I Beautiful.","start_word":904,"end_word":905,"sentiment":"positive","sentiment_score":0.41499900817871094},{"text":"see it. Yep. So if you scroll down, so the second page is that best interest duty I just mentioned for you. You'll then have table of content, pretty self explanatory, Yep. which then takes us through page three, which is scope of advice. So, Yep. basically, today, it is pretty straightforward. The scope of advice is the areas we are looking at in this advice piece, essentially. So pretty straightforward today. The only thing we are looking at is your superannuation just to make sure that's all set up correctly for you and if we wanted to make any changes to any investments that was potentially underperforming a little bit. So it is pretty Yep. straightforward today. We are not making any changes to insurances or anything like that. Otherwise, if it is something down to track you do wanna look at, if you wanna change insurances or, you know, you want a bit more cash flow advice or how to save for property, whatever it might be later as well, just let us know. We can always book you in for a bit of a catch up to go through anything else as well. Yep. Alright. Yep.","start_word":906,"end_word":1104,"sentiment":"neutral","sentiment_score":0.135262413839599},{"text":"Perfect.","start_word":1105,"end_word":1105,"sentiment":"positive","sentiment_score":0.5392398834228516},{"text":"Now, otherwise, if you can scroll through to page six for me, it should say our advice to you. Can you see Yep. that? Yep.","start_word":1106,"end_word":1130,"sentiment":"neutral","sentiment_score":0.15132318437099457},{"text":"Perfect.","start_word":1131,"end_word":1131,"sentiment":"positive","sentiment_score":0.417647123336792},{"text":"So, basically, today, I have recommended that you stay with hub twenty four and just change your investment. So I have done a lot of research on Hub twenty four as well just to Yep.","start_word":1132,"end_word":1166,"sentiment":"neutral","sentiment_score":0.27276235818862915},{"text":"make sure it's still the best super fund option out there for you.","start_word":1167,"end_word":1179,"sentiment":"positive","sentiment_score":0.386471688747406},{"text":"And Yep. at the moment, it still is.","start_word":1180,"end_word":1187,"sentiment":"neutral","sentiment_score":0.24868115782737732},{"text":"So it's really competitive when it comes to prices for similar competitors that still allows us to do a lot of flexibility within investment, features, and stuff like that.","start_word":1188,"end_word":1216,"sentiment":"positive","sentiment_score":0.3448352813720703},{"text":"So I have recommended that you stay in Hub twenty four.","start_word":1217,"end_word":1227,"sentiment":"neutral","sentiment_score":0.3161950409412384},{"text":"Now I use hub 24 for my personal super as well. And I do think it is good.","start_word":1228,"end_word":1245,"sentiment":"positive","sentiment_score":0.4300534725189209},{"text":"And if it wasn't competitive for you, I would recommend another option. At the moment, it is still really competitive, though, but it is good for us to do research every now and then because there's always new products and features that comes out, and there's Yes. nothing tying us to one option. So if there's ever is another option out there for you, I will let you know. But at the moment, Hub twenty four is is doing doing the job so far. Yeah. Yep. Perfect. Alright. Now on the next two pages, it's just some personal information. If you could just have a quick read over that for me just to make sure that's all kind of looking looking up to date or if I need to make any changes in the back end for you. Yeah. No. That's all pretty accurate.","start_word":1246,"end_word":1389,"sentiment":"neutral","sentiment_score":0.09289398044347764},{"text":"Good. Yeah. Amazing.","start_word":1390,"end_word":1392,"sentiment":"positive","sentiment_score":0.4449809193611145},{"text":"Which then takes us to page nine, which is just your current super in the insurances. I'll kind of skip over this section a bit because we did go through what you have in insurances and stuff in the annual review, and because Yep. we're just looking at your superannuation. Now if you can then scroll so as you kind of keep scrolling for me, you will see a section where it says your risk profile, and that basically just talks about when we went through last time those questions in regards to how you feel about volatility and and risk and stuff. And at Yep.","start_word":1393,"end_word":1498,"sentiment":"neutral","sentiment_score":0.08485419907659855},{"text":"the moment, you said you were quite happy to stay in the same risk profile. So we are keeping you in the same high growth portfolio. You still have plenty of time until retirement. Yep. So Yeah. you do have that time to take advantage of growing your superannuation.","start_word":1499,"end_word":1547,"sentiment":"positive","sentiment_score":0.4987065196037293},{"text":"So not making any changes when it comes to that. Now, usually, what is easier from here is if you can actually scroll down to page 20 for me, you should see 20. a fee comparison table. Say compare yep. Yeah. Now some of the information you you did scroll through, it basically outlines what I'm about to tell you in a little bit more detail just in words, but I often find that seeing the table with the numbers is easier for people to kind of visualize it. Yeah. But, basically, this is the recommendation. So you can see here your current superannuation, the total fees, and the five year rolling average. And you can also see the recommended. So, again, Yep. keeping you in Hub 24, not changing contributions or insurances or our fees or anything like that. I'm just literally changing investment. Now what I have recommended for you, it is a little bit of a change to how your investment is set up. So Yep. what I have recommended is that we actually change it through something that's called an SMA. So not a self managed super fund, an SMA, which is a self managed account. Have you heard about that before? No. I No. don't think I have yet. No. And if it is as well, it is we put a bit of information in regards to it because it is something new. We have recently joined with BlackRock. Have you heard of BlackRock before? They are one of the biggest investment managers in the world, actually. Have you heard of BlackRock? No. No. No. I haven't. You No. can definitely Google them and start. They aren't massive. Yeah. But we have recently teamed up with BlackRock and created our own. It is called an SMA. So what it is, it's still very much similar to your your previous investments in the way that things work. But, basically, what it allows us to do is we can very Hub twenty four. Now when you go into Hub twenty four, how it will look on your side is that you'll have 50% sorry, 70% in an estimate that's called bloom and 30% in one that's called catalyst. The only reason it has that slip is to give you the asset allocation allocation matching your risk profile of a high growth. Okay. If you Yep. then click on it, you will actually still see all the underlying investments. So you can still have full oversight of it. The biggest difference of why it is so competitive is, at the moment, the way that things are structured so, for example, with the Benelon that we talked a little bit about last time being a little bit underperforming. Now the way that things are currently, if we wanted to go ahead and make the change, we would obviously still go and do the research, but I would then have to put everything in this statement of advice for you and run through it with you. You'd have to sign the document to say that you're happy with it, and then we will go ahead and make the change. So as you can imagine, Yep. sometimes that takes a little Yeah. bit of a time because it's also finding a time where I'm available and you're available to try to tee it up. And the market, there is a lot that can happen quite quickly in the market. So Yeah. we we've kind of been like, okay. Well, how can we make it quicker and more streamlined for you? But also meaning that you don't have to be involved in every single aspect if it's a quick investment change. So Yep.","start_word":1548,"end_word":2168,"sentiment":"neutral","sentiment_score":0.10522870179535686},{"text":"with the SMA, what it allows us to do is that we can quickly make those changes in the back end.","start_word":2169,"end_word":2189,"sentiment":"positive","sentiment_score":0.4335789382457733},{"text":"Because what it looks like from you is that you are invested 70% in that blue email I mentioned and 30 in catalyst, which gives us the option of the underlying investments that you have within them.","start_word":2190,"end_word":2226,"sentiment":"neutral","sentiment_score":0.31970033049583435},{"text":"We can chop and change depending on what is going in the market. So we can do that very quickly. If we foresee one coming down, we wanna sell out of it before it drops, or if there's another one where we foresee potentially going through increase a little bit or, obviously, with, you know, interest and everything that's happening in the world, we can very quickly make those changes without having to go through this process that we've done now. It also allows us to utilizes BlackRock's research and tools and everything like that. So our investment team, along with BlackRock, which is one of the invest the biggest investment managers in the world, teaming together to build a tailored portfolio and constantly catching up about different market trends of what's happening. So it allows us to do things a little bit more proactively for you while still making sure that we, obviously, follow that best interest. We always have to do that to make sure we put you in a better position and follow your goals.","start_word":2227,"end_word":2404,"sentiment":"positive","sentiment_score":0.4327422082424164},{"text":"And we can Yes.","start_word":2405,"end_word":2408,"sentiment":"neutral","sentiment_score":0.2763710021972656},{"text":"still very much let you know when a change is happening.","start_word":2409,"end_word":2419,"sentiment":"positive","sentiment_score":0.4047625660896301},{"text":"So you still have oversight. When you log in to your hub 24, like I said, you can still see all the underlying investment when you click on it.","start_word":2420,"end_word":2448,"sentiment":"neutral","sentiment_score":0.3200199007987976},{"text":"It just basically takes away from a compliance point this process, and it means that we can do things quicker for you if we have to.","start_word":2449,"end_word":2474,"sentiment":"positive","sentiment_score":0.37467101216316223},{"text":"Does that make Okay. sense? Yep. Yeah. No. That makes Yep.","start_word":2475,"end_word":2485,"sentiment":"neutral","sentiment_score":0.21685746312141416},{"text":"things a lot easier.","start_word":2486,"end_word":2489,"sentiment":"positive","sentiment_score":0.5248280763626099},{"text":"Yes. Yeah. So, basically, what I have is said as well, it is outlined in the SOA in words for you as well because it is sometimes a little bit to get through with the research materials, the kind of what you saw before you clicked onto the document. There is a full product disclosure statement in regards to it that goes into a lot more in-depth. But the biggest Yes.","start_word":2490,"end_word":2560,"sentiment":"neutral","sentiment_score":0.15352050078586793},{"text":"thing is it does save time on the compliance, but we can proactively do it along with, yeah, joining forces with them through coming up with the best options for you at all points in time.","start_word":2561,"end_word":2596,"sentiment":"positive","sentiment_score":0.44130992889404297},{"text":"Now Yep. the other good thing is that by doing so, so on the page that you are on at the moment, so in Hub 24, they have different accounts depending on different investment choices. So with the SMA, it is available on another account. So still within up 24, that is a little Yeah. bit cheaper. So what it means is that it's actually saving you a $180 a year in admin fees alone because it's on a cheaper product, but it still Yeah.","start_word":2597,"end_word":2681,"sentiment":"neutral","sentiment_score":0.21755456924438477},{"text":"allows the estimate on there, which is great. So for you, you save a $180 a year in admin fees, which is great. Yes. And the investment fees as well is cheaper. So the investment in the estimate there for you, it is saving a $195 a year in fees alone. So, again, overall, Yep. reducing your fees, and it is making the fees about $355 cheaper per year, which is pretty good.","start_word":2682,"end_word":2754,"sentiment":"positive","sentiment_score":0.5622287392616272},{"text":"Yeah. That's Yeah. is there nothing? Yeah. Exactly. The biggest thing is also the return. So with the the SMA so we use historical returns when we are using this for projection purposes.","start_word":2755,"end_word":2787,"sentiment":"neutral","sentiment_score":0.13566790521144867},{"text":"But the good thing with the SMA is that it allows us moving forward in the future because we can make those proactive choices for you. We should see a a bigger difference as well because we can then use that forecast for you and making changes.","start_word":2788,"end_word":2834,"sentiment":"positive","sentiment_score":0.4227739572525024},{"text":"So the really Yeah.","start_word":2835,"end_word":2838,"sentiment":"neutral","sentiment_score":0.2961346209049225},{"text":"good thing with the SMA as well is that it is outperforming your current one with quite a bit, which which is great. So it is cheaper, but it's also outperforming in terms of performance.","start_word":2839,"end_word":2873,"sentiment":"positive","sentiment_score":0.4544143676757813},{"text":"Yeah.","start_word":2874,"end_word":2874,"sentiment":"neutral","sentiment_score":0.0937628522515297},{"text":"It's almost doubling. Yes. So it it's great. And it's still keeping the same risk.","start_word":2875,"end_word":2889,"sentiment":"positive","sentiment_score":0.5231369733810425},{"text":"So it's not we're taking on more risk or anything like that. It is keeping the level of fluctuation within that high growth for you, but it is Yeah.","start_word":2890,"end_word":2918,"sentiment":"neutral","sentiment_score":0.23684300482273105},{"text":"improving. So, overall, that Yeah. is what I have recommended.","start_word":2919,"end_word":2928,"sentiment":"positive","sentiment_score":0.42340826988220215},{"text":"Yep. Do you have any questions in regards to, like, the SMA or or any of that, or is it fairly straightforward? Yeah. No. It seems very No. straightforward. Yeah. Yeah. No.","start_word":2929,"end_word":2960,"sentiment":"neutral","sentiment_score":0.053451668471097946},{"text":"Beautiful.","start_word":2961,"end_word":2961,"sentiment":"positive","sentiment_score":0.3681299090385437},{"text":"Now let me see here how that looks in that asset allocation I mentioned. If you just wanna scroll up one page to page 19 for me. Yep. Yep. Now that then shows you the asset allocation. So you can see here the the second column, it says risk profile. That is the the ninety ten split. We then have existing, which is how you are currently invested. And then we Yep. have proposed, which is what the new portfolio will look like. So you can see that they are both quite similar when it comes through how much growth and how much defensive we have in it. So it's Yep. not really changing much in that area because we do wanna make it consistent for you. We don't wanna take on more risk. We were basically trying to aim of, okay, what can we do to reduce the fee? Also makes things a little bit quicker for you in compliance and improve those returns for you. Yep. Uh-huh.","start_word":2962,"end_word":3130,"sentiment":"neutral","sentiment_score":0.1276090294122696},{"text":"Beautiful.","start_word":3131,"end_word":3131,"sentiment":"positive","sentiment_score":0.42547523975372314},{"text":"Now the last thing I do wanna mention is the remuneration. Now that is page 24. 24. Yep. Yep.","start_word":3132,"end_word":3150,"sentiment":"neutral","sentiment_score":0.09954261779785156},{"text":"Perfect.","start_word":3151,"end_word":3151,"sentiment":"positive","sentiment_score":0.4147035479545593},{"text":"Now I just wanna go through this again so that you do no no changes whatsoever in regards to the fee structure. So if after today you are happy and you would like to go ahead with the change there, Tony, there is no Yep. additional fees or charges whatsoever. It is all Okay. part Yep. of the ongoing advice fee. So no additional fees and charges. Again, it stays exactly the same at 1.65 from your superannuation. Now you can also see that I have included your AIA insurances here. The only reason it is included is for compliances. Every time we do get commissions, we have to disclose it to you so that you are fully aware. But I do wanna let you know that the 22% of the premium for AIA, it is AIA paying us. It is not you paying us. Before compliances, we have to disclose it so you are fully Okay. aware. Yep. Yeah. And it is the same for every single insurer out there. So it would not say us in any way to recommend one provider over the other. It is exactly the same for every single insurer and for every adviser as well. Okay. Alright. Does that make sense? Yep. Yeah. Beautiful. But that is not you paying us if you see it, That's but just so that you are aware. Yep. Which basically is everything there, Tony. So on on the next couple of pages, you will see us the way to proceed.","start_word":3152,"end_word":3404,"sentiment":"neutral","sentiment_score":0.10284333013498737},{"text":"That is outlined that if you are happy to go ahead, what we are looking at doing, which is keeping your hub 24, literally just moving you to that, estimate and changing some of those investments for you. So pretty nice and easy today.","start_word":3405,"end_word":3448,"sentiment":"positive","sentiment_score":0.3978318870067597},{"text":"So do Yeah. you have any questions for me, or what are your thoughts on all of this, Toni? No. I'm pretty happy with Quite happy? that. That's been, Yes. yeah, pretty straightforward so far. Yeah. Yeah.","start_word":3449,"end_word":3485,"sentiment":"neutral","sentiment_score":0.12372398376464844},{"text":"Beautiful.","start_word":3486,"end_word":3486,"sentiment":"positive","sentiment_score":0.4299108386039734},{"text":"So, basically, from here, if you would like to take some time to have a read over the documents, you're more than welcome to. When you do have a read over it or if you are happy to go ahead, from Yep. here, it would be to press start in the document, and it Yep. will then ask you to add a signature and a date. And then it will once you've done that, it should say validate. No. Oh, more of a mistake. No. That's okay. Well, Is is that a little text box? You could just put NA. It Yeah. is N just I. a box Yep. yeah. It's just a box that allows you to if you would like to change anything, you can type it here. So if you're like, no. I don't like this. I would like to change it to this. This just allows you to type it here. But, otherwise, you could just put NA or full stop. It just then it takes you to the next, which should just be the the signature and the date, hopefully, Yep. if technology is agreeing with me today. Yeah. It validate. There we go. I just Yep. have to Perfect. click it a few times. No. That's and it could also be because, yeah, Internet's because it is a bit of a storm here at the moment. It seems like it's running a little bit slower. Yeah. So I will just refresh here and see if it comes through. It could be if it did say validate on your end, it could just be on its way, Yeah. which is It fine. says it's still waiting. So hopefully there we go. That should be done now.","start_word":3487,"end_word":3777,"sentiment":"neutral","sentiment_score":0.04472099326525357},{"text":"Should be all good.","start_word":3778,"end_word":3781,"sentiment":"positive","sentiment_score":0.4284116923809051},{"text":"Okay.","start_word":3782,"end_word":3782,"sentiment":"neutral","sentiment_score":0.24225294589996335},{"text":"Perfect. I'll keep a little look at at that. Oh, yep. That's just come through, which is fantastic. So I will let the team know that we'll go ahead and make this investment change for you.","start_word":3783,"end_word":3818,"sentiment":"positive","sentiment_score":0.5244614481925964},{"text":"You should Yep. see it in your hub 24 as well when it's changed. And like I said, you can still click on the SMA, and you can still see the underlying investments if it is something that you you want to see or keep a look at. But I'll But, otherwise, it's all in there for you. If there is any other questions or anything that you need at any point in time, though, you can always give me a call or send me an email. It doesn't have to be a under review time. But if Yes. not, we'll obviously touch base next under review time and see how everything is progressing and how it's all going and if you want any more advice and anything. But like I said, you can give me a call whenever you want through if if anything you do wanna discuss. Yep. Alright. No Yep. worries at all.","start_word":3819,"end_word":3974,"sentiment":"neutral","sentiment_score":0.1862629405581034},{"text":"Beautiful. Well, thank you so much for your time this afternoon, and I will let you go and enjoy the rest of your afternoon, Tony. Alright. Thank you so much for that.","start_word":3975,"end_word":4006,"sentiment":"positive","sentiment_score":0.7275301218032837},{"text":"Mhmm.","start_word":4007,"end_word":4007,"sentiment":"neutral","sentiment_score":0.21164807677268985},{"text":"No problem at all. We'll speak soon. Enjoy your day. Thank Mhmm. you.","start_word":4008,"end_word":4020,"sentiment":"positive","sentiment_score":0.4570974111557007},{"text":"You too. Bye. Bye.","start_word":4021,"end_word":4024,"sentiment":"neutral","sentiment_score":0.2223268151283264}],"average":{"sentiment":"neutral","sentiment_score":0.17349911995178707}}}}