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I had you booked in for a bit of a catch up to go through the research I did on your net worth and your c bus to make sure everything is set up alright for you. Is now still a good time? Yep. 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 with you. Perfect. Just for security purposes as well, just so that I can confirm I am speaking with the right person, could you just confirm full name, date of birth, and address, please? Yep. Beautiful. And how's your morning been so far? Been busy, or just kind of getting started? Yeah. Well, I will try not to keep you for too long. Now it sounds like you're driving at the moment. Is that right? Okay. Because what I have done is I have you sent you an email with the recommendation. So let me know if you have the option of accessing them when you've stopped. Or if it's a bit tricky, I can always run through the recommendation with you. And then when you have time, you can have a look through it. It is up to you. Yep. Okay. So just let me know when you can access it, and I will let you know where I'm up to if that's alright. Yeah. Okay. Perfect. So if you can click on the link where it says sign now, now it will allow you to actually open up and view the documents first before it prompts you to sign anything. Now let me know if you can see the cover page where it then says statement of advice prepared for yourself. Yep. Beautiful. Now you will see on the cover page there as well my details. So you will see my authorized representative number listed, and I am licensed under OPU Financial. And do you remember our conversation kind of following the annual review as well that I was going to have a bit of a review of your investments and check-in on C Bus as well. Do you kind of remember all that? Yeah. Okay. Beautiful. So I'll try to keep it quick for you today. As per usual, so on page two, it outlines that best interest duty, which is that mean we have to act in your best interest at all times when we are making recommendations or giving you any advice. And the recommendation itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation. Does that make sense, Timothy? Yep. Beautiful. Now as you scroll through, you will then see page three, scope of advice. Now you will see that there is 28 pages in this document. A lot of it is just compliant. So I will try to get through it as quickly as I can because you are quite familiar with it just so I don't waste too much of your time. But to recap scope of advice and you also then not considered, that basically just factors in the areas we are looking at today. So simply today, we are reviewing just your superannuation in net wealth and CEBAS to see if we needed to make any changes, and that was basically it. So I'm not really reviewing anything else for you today. Literally just those things to make it nice and easy. Yep. Perfect. Now as you scroll through then as well, you will see a couple of pages about you, just some information from the fact find, some assets and liabilities as well. And then that takes us through page nine, which is your current superannuation and insurances. Can you see where I'm up to? Yeah. Perfect. Now you can see your current situation here at the moment. So you can obviously see your c birth account, and that was open for your insurances and then also your net worth where you do have majority of your CBAS. Underneath that, you can then see your CBAS insurances. So as per we kind of went through during the annual review. You have life and PCD insurance within Cbus, and you can see the premiums and your sum insured and everything there. Now that then takes us to your risk profile on page 10 where it says high growth. Can you see that as well? Yep. Perfect. So pretty straightforward. Not making any changes to your risk profile. When we did discussing during the annual review, it is still suitable for you with the time frame you have until retirement and the goal of trying to maximize your growth in superannuation while you still have plenty of time until retirement. So we're not making any changes to your your risk of volatility or anything like that. Yep. Perfect. And now that then takes us to page 12 where it then says strategy recommendations. Can you see that? Yep. Perfect. So what I actually have recommended now, typically, when we are retaining a fund for insurance purposes, we we wanna maintain contributions in through that account. So what I have recommended is just that we change your employer contributions to be paid into Cbus. The only reason I have recommended that is because for Cbus, when the balance goes under 10 or sometimes even six, they there is a risk that your insurances can lapse. So they can get canceled, which we do not want. And if it's also inactive in their mind, meaning that you don't have contributions continuously going into that account, again, they can cancel it. So we wanna make sure we avoid all of that because we wanna keep those insurances for you. So what I have recommended is we we change your employer contributions back to CBAS. We will also do a smaller partial rollover from Netwealth to CBAS just to top up the balance in C Bus because, obviously, with market market fluctuations, it has fallen a little bit in C Bus for you. It is just the smallest amount, and that is simply just to give us that certainty with your insurances. Now what we will then do moving forward is each front annual review is that we will reassess how the balances are. Because you will have contributions going into CBA, that balance will increase. So what we will then do is we will do kind of gradual rollovers from CEVA into Netwealth if it is going to be the best option for you because we want to make sure that you have the most amount of money in the fund that's going to give you the most amount of growth, which is net worth at the moment. Does that all make sense, Timothy? Yep. Okay. Beautiful. Now, basically, what that looks like is if you scroll through for me, you will first see some advantages, disadvantages, and risks associated with the recommendation, which I will go through with you. But I often find that the best way to look at it is if you want to scroll down through page 19, you should see a table where it says fee comparison. Yes. Okay. Perfect. Now this just is sometimes easier to look at because it kind of gives you, like, a a bigger picture from the numbers side. So you can see here your current position. You can see your current balance in net worth, your current balance in Cebas. You can see contributions currently into Netwealth, insurance premium from Cebus. You can see the total cost of everything as well as well as the five year rolling average on your current portfolio in Netwealth and Cebus. Now on the other side, you can then see the recommendation. So you can see here that I have recommended just to top up CEVA just to 10,000. We just want the minimum, but we don't wanna risk those insurances. So, obviously, tiny bit less in net worth for the time being. And, also, I have recommended that we change some of your investments, which I will go through with you shortly. But, basically, by doing that so mainly because we are changing investments, you will see that you are saving a little bit of fees per year, which is great. So about a $164 in fees. The biggest thing is the return on the new portfolio in Netwealth. So CEVA space is the same about the changes in Netwealth. Now using the same five year rolling average, you can actually see the difference here of about 13.55%, which you can see is a difference of about 2.04% better, which means that the recommended portfolio over that five year time frame has performed better than your current investment portfolio network. Does that make sense, Timothy? Yep. Perfect. Now the the one thing I do wanna let you know is that when we are chopping and changing investments and when we are selling investments, there will be some capital gains tax on those investments. Now that is paid from super, so not something you have to pay for yourself. And we've tried to minimize that as much as possible for you when I have recommended the changes to what we want to do. So on the top row here, you can see the balance, and you see the difference of 511. Can you see that? Yep. That is the estimated capital gains tax from just swapping some of your investments out. So it's not too big, which is good, but something I do wanna just let you know so that you are aware. Yep. Perfect. Now part of the research as well, I did consider a lot of other options. I researched a lot of different super funds for you as well just to make sure that the current arrangement is the best for you. And at the moment, it's still very much is. Netwealth is very competitive when it comes to their their fees, their features, and investment choices. And Ceva's obviously have your insurances, which is great. And moving you to another super fund just wasn't worth it from a fee for network that's exactly the same thing, and that would trigger a pretty high capital gains tax, which we want to avoid. So everything is doing pretty good for you. Now on the next page, which is page 20, you can then see kind of forecasted and compounding those small changes with the investments on a five and ten year time frame. So even though it might look fairly small when it comes to the return, because, obviously, your balance is still pretty decent, it all compounds and add up. And over that five and ten years, it does make a pretty big difference. Yep. Now underneath that, you can then also see a bit more on the return. So you can see your current net wealth and the recommended net wealth, and you can also see your c bus, the twelve, three, and the five year. And you can see that across all three time frames, the recommended net wealth portfolio has outperformed both of them. Yep. Pretty straightforward. Alright. Perfect. Now if you can just scroll up for me to page 18, and there's not too much more to go, it just shows you the asset allocation. Can you see that little pie chart? Yep. Beautiful. So like I said earlier, we're not changing your risk profile. The benchmark is around ninety ten. So 90 growth, 10 defensive, but it can range up through up to a 100, but we wanna make sure we have some defensive elements. So you can actually see that your existing portfolio and that the comparison to the proposed or proposed ones is a little bit less growth, still very much so aligning with the risk profile, increasing that defensive just a tiny bit, but not increasing any risk and still aligning with your high growth portfolio. So that basically shows this for you. Yep. Now the the last thing is then on page 16. If you can scroll up for me. Yep. Perfect. Now that one here then shows you the recommendations I have made in regards to your investments. So you can see here your investment name first. You can see the little ticket code. You can see the current weight, what that looks like from a balance point of view, and then the buy and sell columns. The buy and sell column shows you that what it is highlighted in red is what we are selling, and then what's in black is what we are either keeping in your portfolio or adding to your portfolio. So that you can see there's not too many changes. The only investment we are completely selling out of is the iShares miscue. And the true ones we are adding to your portfolio is the bottom two, which is your Vanguard All World, but it does exclude The US because you already have quite a bit of exposure to The US in the iShares S and P 500, which is just that one investment line above it. So we wanna make sure that your portfolio overall is very diversified. We don't want too much in just one industry or sector either. Does that make sense? Yep. Yep. Yep. Beautiful. Otherwise, you can see that most of the other investment stays the same. They are just rebalanced to give you a little bit more diversification and equal exposure. So you can see the BetaShares Australia two 100 was quite heavy currently, so it's just reducing that a little bit to not, again, be overexposed to the Australian market. It is rebalancing everything for you. We are increasing gold a little bit. It's done really well. You had about 4.62. Just increasing that up to seven for you. Cybersecurity basically stays the same. Europe, very similar, just increasing that slightly again to give you that kind of diversification. Japan stays the same. And that is basically it. So pretty straightforward when it comes to the investments. Does that all make sense? Yep. Yep. Beautiful. Now the last thing I do wanna just point out for you is just when it comes through the fee structure again, and that is, like I said in the annual review, no changes whatsoever. So no changes to the fee structure. It stays exactly the same at 1.65 from super, and there's no additional fees or charges at all to go ahead with these recommendations. That is all part of that ongoing service that we provide. Now, Timothy, do you have any questions in regards to any of this, or what are your thoughts on these couple of changes for you? Yes. Okay. Yep. Beautiful. So, basically, from here, if you are happy to do so, it will ask you to add a signature at the bottom of that document. If you, yeah, if you're able to add a signature, it should automatically add the date as well. Yep. Perfect. And then does it allow you to validate it, or what does it say now? Yes. You can just put NA or full stop. The textbook is just there if you would like to make a request for any of the variations, you can type it out. But if there's no changes, it will just ask you to just do a full stop or NA, and they will then kind of let you hopefully, press validate after that, I I believe. Yep. Perfect. Now this document is saved in the Odisign there for you if you ever wanna go back and have a read over it. There was also a appendix attached, which is just that the research is all there for you. So if you wanted to when whenever you had some time, wanted to read up on the investments in more detail, all the research and everything is there for you. If you can't access it, though, we always have a copy on file. I can always send it to you as well if you ever wanted it. Yep. Beautiful. Now I can see, team, that that has come through on my end, which is fantastic. So I will let the team know that we'll go ahead and make these couple of changes for you. I will also get the team to send you the the contribution form just so we can change those contributions. So all you gotta do is then just pass that on to the employer, and we'll keep a lookout of things just to make sure that's all transferred correctly for you. Yep. Beautiful. Well, thank you so much for your time this morning, team. I'll let you get on with your day. But if you have any other questions or need anything else, don't hesitate to give me a call. Okay? Yep. Beautiful. Well, thank you so much, Tim, and I look forward to speaking with you soon again. 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morning. Is this Timothy? This is Veronica from Oakview Financial. How are you? I had you booked in for a bit of a catch up to go through the research I did on your net worth and your c bus to make sure everything is set up alright for you.\n\nIs now still a good time? Yep. 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 with you. Perfect.\n\nJust for security purposes as well, just so that I can confirm I am speaking with the right person, could you just confirm full name, date of birth, and address, please? Yep. Beautiful. And how's your morning been so far? Been busy, or just kind of getting started?\n\nYeah. Well, I will try not to keep you for too long. Now it sounds like you're driving at the moment. Is that right? Okay.\n\nBecause what I have done is I have you sent you an email with the recommendation. So let me know if you have the option of accessing them when you've stopped. Or if it's a bit tricky, I can always run through the recommendation with you. And then when you have time, you can have a look through it. It is up to you.\n\nYep. Okay. So just let me know when you can access it, and I will let you know where I'm up to if that's alright. Yeah. Okay.\n\nPerfect. So if you can click on the link where it says sign now, now it will allow you to actually open up and view the documents first before it prompts you to sign anything. Now let me know if you can see the cover page where it then says statement of advice prepared for yourself. Yep. Beautiful.\n\nNow you will see on the cover page there as well my details. So you will see my authorized representative number listed, and I am licensed under OPU Financial. And do you remember our conversation kind of following the annual review as well that I was going to have a bit of a review of your investments and check-in on C Bus as well. Do you kind of remember all that? Yeah.\n\nOkay. Beautiful. So I'll try to keep it quick for you today. As per usual, so on page two, it outlines that best interest duty, which is that mean we have to act in your best interest at all times when we are making recommendations or giving you any advice. And the recommendation itself has to put you in a better position as a result of the advice.\n\nOtherwise, we can't actually make the recommendation. Does that make sense, Timothy? Yep. Beautiful. Now as you scroll through, you will then see page three, scope of advice.\n\nNow you will see that there is 28 pages in this document. A lot of it is just compliant. So I will try to get through it as quickly as I can because you are quite familiar with it just so I don't waste too much of your time. But to recap scope of advice and you also then not considered, that basically just factors in the areas we are looking at today. So simply today, we are reviewing just your superannuation in net wealth and CEBAS to see if we needed to make any changes, and that was basically it.\n\nSo I'm not really reviewing anything else for you today. Literally just those things to make it nice and easy. Yep. Perfect. Now as you scroll through then as well, you will see a couple of pages about you, just some information from the fact find, some assets and liabilities as well.\n\nAnd then that takes us through page nine, which is your current superannuation and insurances. Can you see where I'm up to? Yeah. Perfect. Now you can see your current situation here at the moment.\n\nSo you can obviously see your c birth account, and that was open for your insurances and then also your net worth where you do have majority of your CBAS. Underneath that, you can then see your CBAS insurances. So as per we kind of went through during the annual review. You have life and PCD insurance within Cbus, and you can see the premiums and your sum insured and everything there. Now that then takes us to your risk profile on page 10 where it says high growth.\n\nCan you see that as well? Yep. Perfect. So pretty straightforward. Not making any changes to your risk profile.\n\nWhen we did discussing during the annual review, it is still suitable for you with the time frame you have until retirement and the goal of trying to maximize your growth in superannuation while you still have plenty of time until retirement. So we're not making any changes to your your risk of volatility or anything like that. Yep. Perfect. And now that then takes us to page 12 where it then says strategy recommendations.\n\nCan you see that? Yep. Perfect. So what I actually have recommended now, typically, when we are retaining a fund for insurance purposes, we we wanna maintain contributions in through that account. So what I have recommended is just that we change your employer contributions to be paid into Cbus.\n\nThe only reason I have recommended that is because for Cbus, when the balance goes under 10 or sometimes even six, they there is a risk that your insurances can lapse. So they can get canceled, which we do not want. And if it's also inactive in their mind, meaning that you don't have contributions continuously going into that account, again, they can cancel it. So we wanna make sure we avoid all of that because we wanna keep those insurances for you. So what I have recommended is we we change your employer contributions back to CBAS.\n\nWe will also do a smaller partial rollover from Netwealth to CBAS just to top up the balance in C Bus because, obviously, with market market fluctuations, it has fallen a little bit in C Bus for you. It is just the smallest amount, and that is simply just to give us that certainty with your insurances. Now what we will then do moving forward is each front annual review is that we will reassess how the balances are. Because you will have contributions going into CBA, that balance will increase. So what we will then do is we will do kind of gradual rollovers from CEVA into Netwealth if it is going to be the best option for you because we want to make sure that you have the most amount of money in the fund that's going to give you the most amount of growth, which is net worth at the moment.\n\nDoes that all make sense, Timothy? Yep. Okay. Beautiful. Now, basically, what that looks like is if you scroll through for me, you will first see some advantages, disadvantages, and risks associated with the recommendation, which I will go through with you.\n\nBut I often find that the best way to look at it is if you want to scroll down through page 19, you should see a table where it says fee comparison. Yes. Okay. Perfect. Now this just is sometimes easier to look at because it kind of gives you, like, a a bigger picture from the numbers side.\n\nSo you can see here your current position. You can see your current balance in net worth, your current balance in Cebas. You can see contributions currently into Netwealth, insurance premium from Cebus. You can see the total cost of everything as well as well as the five year rolling average on your current portfolio in Netwealth and Cebus. Now on the other side, you can then see the recommendation.\n\nSo you can see here that I have recommended just to top up CEVA just to 10,000. We just want the minimum, but we don't wanna risk those insurances. So, obviously, tiny bit less in net worth for the time being. And, also, I have recommended that we change some of your investments, which I will go through with you shortly. But, basically, by doing that so mainly because we are changing investments, you will see that you are saving a little bit of fees per year, which is great.\n\nSo about a $164 in fees. The biggest thing is the return on the new portfolio in Netwealth. So CEVA space is the same about the changes in Netwealth. Now using the same five year rolling average, you can actually see the difference here of about 13.55%, which you can see is a difference of about 2.04% better, which means that the recommended portfolio over that five year time frame has performed better than your current investment portfolio network. Does that make sense, Timothy?\n\nYep. Perfect. Now the the one thing I do wanna let you know is that when we are chopping and changing investments and when we are selling investments, there will be some capital gains tax on those investments. Now that is paid from super, so not something you have to pay for yourself. And we've tried to minimize that as much as possible for you when I have recommended the changes to what we want to do.\n\nSo on the top row here, you can see the balance, and you see the difference of 511. Can you see that? Yep. That is the estimated capital gains tax from just swapping some of your investments out. So it's not too big, which is good, but something I do wanna just let you know so that you are aware.\n\nYep. Perfect. Now part of the research as well, I did consider a lot of other options. I researched a lot of different super funds for you as well just to make sure that the current arrangement is the best for you. And at the moment, it's still very much is.\n\nNetwealth is very competitive when it comes to their their fees, their features, and investment choices. And Ceva's obviously have your insurances, which is great. And moving you to another super fund just wasn't worth it from a fee for network that's exactly the same thing, and that would trigger a pretty high capital gains tax, which we want to avoid. So everything is doing pretty good for you. Now on the next page, which is page 20, you can then see kind of forecasted and compounding those small changes with the investments on a five and ten year time frame.\n\nSo even though it might look fairly small when it comes to the return, because, obviously, your balance is still pretty decent, it all compounds and add up. And over that five and ten years, it does make a pretty big difference. Yep. Now underneath that, you can then also see a bit more on the return. So you can see your current net wealth and the recommended net wealth, and you can also see your c bus, the twelve, three, and the five year.\n\nAnd you can see that across all three time frames, the recommended net wealth portfolio has outperformed both of them. Yep. Pretty straightforward. Alright. Perfect.\n\nNow if you can just scroll up for me to page 18, and there's not too much more to go, it just shows you the asset allocation. Can you see that little pie chart? Yep. Beautiful. So like I said earlier, we're not changing your risk profile.\n\nThe benchmark is around ninety ten. So 90 growth, 10 defensive, but it can range up through up to a 100, but we wanna make sure we have some defensive elements. So you can actually see that your existing portfolio and that the comparison to the proposed or proposed ones is a little bit less growth, still very much so aligning with the risk profile, increasing that defensive just a tiny bit, but not increasing any risk and still aligning with your high growth portfolio. So that basically shows this for you. Yep.\n\nNow the the last thing is then on page 16. If you can scroll up for me. Yep. Perfect. Now that one here then shows you the recommendations I have made in regards to your investments.\n\nSo you can see here your investment name first. You can see the little ticket code. You can see the current weight, what that looks like from a balance point of view, and then the buy and sell columns. The buy and sell column shows you that what it is highlighted in red is what we are selling, and then what's in black is what we are either keeping in your portfolio or adding to your portfolio. So that you can see there's not too many changes.\n\nThe only investment we are completely selling out of is the iShares miscue. And the true ones we are adding to your portfolio is the bottom two, which is your Vanguard All World, but it does exclude The US because you already have quite a bit of exposure to The US in the iShares S and P 500, which is just that one investment line above it. So we wanna make sure that your portfolio overall is very diversified. We don't want too much in just one industry or sector either. Does that make sense?\n\nYep. Yep. Yep. Beautiful. Otherwise, you can see that most of the other investment stays the same.\n\nThey are just rebalanced to give you a little bit more diversification and equal exposure. So you can see the BetaShares Australia two 100 was quite heavy currently, so it's just reducing that a little bit to not, again, be overexposed to the Australian market. It is rebalancing everything for you. We are increasing gold a little bit. It's done really well.\n\nYou had about 4.62. Just increasing that up to seven for you. Cybersecurity basically stays the same. Europe, very similar, just increasing that slightly again to give you that kind of diversification. Japan stays the same.\n\nAnd that is basically it. So pretty straightforward when it comes to the investments. Does that all make sense? Yep. Yep.\n\nBeautiful. Now the last thing I do wanna just point out for you is just when it comes through the fee structure again, and that is, like I said in the annual review, no changes whatsoever. So no changes to the fee structure. It stays exactly the same at 1.65 from super, and there's no additional fees or charges at all to go ahead with these recommendations. That is all part of that ongoing service that we provide.\n\nNow, Timothy, do you have any questions in regards to any of this, or what are your thoughts on these couple of changes for you? Yes. Okay. Yep. Beautiful.\n\nSo, basically, from here, if you are happy to do so, it will ask you to add a signature at the bottom of that document. If you, yeah, if you're able to add a signature, it should automatically add the date as well. Yep. Perfect. And then does it allow you to validate it, or what does it say now?\n\nYes. You can just put NA or full stop. The textbook is just there if you would like to make a request for any of the variations, you can type it out. But if there's no changes, it will just ask you to just do a full stop or NA, and they will then kind of let you hopefully, press validate after that, I I believe. Yep.\n\nPerfect. Now this document is saved in the Odisign there for you if you ever wanna go back and have a read over it. There was also a appendix attached, which is just that the research is all there for you. So if you wanted to when whenever you had some time, wanted to read up on the investments in more detail, all the research and everything is there for you. If you can't access it, though, we always have a copy on file.\n\nI can always send it to you as well if you ever wanted it. Yep. Beautiful. Now I can see, team, that that has come through on my end, which is fantastic. So I will let the team know that we'll go ahead and make these couple of changes for you.\n\nI will also get the team to send you the the contribution form just so we can change those contributions. So all you gotta do is then just pass that on to the employer, and we'll keep a lookout of things just to make sure that's all transferred correctly for you. Yep. Beautiful. Well, thank you so much for your time this morning, team.\n\nI'll let you get on with your day. But if you have any other questions or need anything else, don't hesitate to give me a call. Okay? Yep. Beautiful.\n\nWell, thank you so much, Tim, and I look forward to speaking with you soon again. Bye.","paragraphs":[{"sentences":[{"text":"Good morning.","start":5.12,"end":5.6,"sentiment":"neutral","sentiment_score":0.3005544990301132},{"text":"Is this Timothy?","start":5.6,"end":6.5,"sentiment":"neutral","sentiment_score":0.1830473691225052},{"text":"This is Veronica from Oakview Financial.","start":8.08,"end":10.179999,"sentiment":"neutral","sentiment_score":0.18336670845746994},{"text":"How are you?","start":10.24,"end":11.059999,"sentiment":"neutral","sentiment_score":0.19062172869841257},{"text":"I had you booked in for a bit of a catch up to go through the research I did on your net worth and your c bus to make sure everything is set up alright for you.","start":14.255,"end":23.555,"sentiment":"neutral","sentiment_score":0.32657506981411494}],"sentiment":"neutral","sentiment_score":0.2922665514782363,"num_words":51,"start":5.12,"end":23.555},{"sentences":[{"text":"Is now still a good time?","start":23.775,"end":25.235,"sentiment":"neutral","sentiment_score":0.22561383495728174},{"text":"Yep.","start":26.67,"end":27.17,"sentiment":"neutral","sentiment_score":0.2989981770515442},{"text":"Perfect.","start":27.23,"end":27.73,"sentiment":"positive","sentiment_score":0.4461730122566223},{"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 with you.","start":27.949999,"end":36.29,"sentiment":"neutral","sentiment_score":0.06553708413435567},{"text":"Perfect.","start":38.215,"end":38.715,"sentiment":"positive","sentiment_score":0.4013674259185791}],"sentiment":"neutral","sentiment_score":0.11329678082838654,"num_words":40,"start":23.775,"end":38.715},{"sentences":[{"text":"Just for security purposes as well, just so that I can confirm I am speaking with the right person, could you just confirm full name, date of birth, and address, please?","start":39.254997,"end":48.235,"sentiment":"neutral","sentiment_score":0.13743157156052127},{"text":"Yep.","start":57.43,"end":57.910004,"sentiment":"neutral","sentiment_score":0.14090698957443237},{"text":"Beautiful.","start":57.910004,"end":58.39,"sentiment":"positive","sentiment_score":0.435339629650116},{"text":"And how's your morning been so far?","start":58.39,"end":59.99,"sentiment":"neutral","sentiment_score":0.16606858053377696},{"text":"Been busy, or just kind of getting started?","start":59.99,"end":62.170002,"sentiment":"neutral","sentiment_score":0.017004543682560325}],"sentiment":"neutral","sentiment_score":0.12781545314161727,"num_words":48,"start":39.254997,"end":62.170002},{"sentences":[{"text":"Yeah.","start":64.105,"end":64.505005,"sentiment":"neutral","sentiment_score":0.03459681198000908},{"text":"Well, I will try not to keep you for too long.","start":64.505005,"end":66.925,"sentiment":"neutral","sentiment_score":-0.05776220052079721},{"text":"Now it sounds like you're driving at the moment.","start":67.305,"end":69.385,"sentiment":"neutral","sentiment_score":-0.04499275444282426},{"text":"Is that right?","start":69.385,"end":70.285,"sentiment":"neutral","sentiment_score":-0.0020390326778093972},{"text":"Okay.","start":73.705,"end":74.205,"sentiment":"neutral","sentiment_score":-0.02592415921390057}],"sentiment":"neutral","sentiment_score":-0.04151053763926029,"num_words":25,"start":64.105,"end":74.205},{"sentences":[{"text":"Because what I have done is I have you sent you an email with the recommendation.","start":75.689995,"end":80.189995,"sentiment":"neutral","sentiment_score":0.04184791701845825},{"text":"So let me know if you have the option of accessing them when you've stopped.","start":83.21,"end":88.67,"sentiment":"neutral","sentiment_score":0.05580837813516458},{"text":"Or if it's a bit tricky, I can always run through the recommendation with you.","start":89.284996,"end":93.445,"sentiment":"neutral","sentiment_score":0.05244116162260373},{"text":"And then when you have time, you can have a look through it.","start":93.445,"end":97.204994,"sentiment":"neutral","sentiment_score":0.08098735946875352},{"text":"It is up to you.","start":97.204994,"end":98.265,"sentiment":"neutral","sentiment_score":0.0966794654726982}],"sentiment":"neutral","sentiment_score":0.05983660576748662,"num_words":64,"start":75.689995,"end":98.265},{"sentences":[{"text":"Yep.","start":101.380005,"end":101.880005,"sentiment":"neutral","sentiment_score":0.07564689218997955},{"text":"Okay.","start":102.18,"end":102.5,"sentiment":"neutral","sentiment_score":0.09568449854850768},{"text":"So just let me know when you can access it, and I will let you know where I'm up to if that's alright.","start":102.5,"end":107.32,"sentiment":"neutral","sentiment_score":0.08811264193576315},{"text":"Yeah.","start":115.875,"end":116.195,"sentiment":"neutral","sentiment_score":0.09835490584373474},{"text":"Okay.","start":116.195,"end":116.675,"sentiment":"neutral","sentiment_score":0.18266896903514865}],"sentiment":"neutral","sentiment_score":0.09181281593110827,"num_words":27,"start":101.380005,"end":116.675},{"sentences":[{"text":"Perfect.","start":116.675,"end":117.155,"sentiment":"neutral","sentiment_score":0.2696259915828705},{"text":"So if you can click on the link where it says sign now, now it will allow you to actually open up and view the documents first before it prompts you to sign anything.","start":117.155,"end":126.775,"sentiment":"neutral","sentiment_score":0.17823471654863918},{"text":"Now let me know if you can see the cover page where it then says statement of advice prepared for yourself.","start":129.26,"end":136.0,"sentiment":"neutral","sentiment_score":0.05165513622618857},{"text":"Yep.","start":136.14,"end":136.54,"sentiment":"neutral","sentiment_score":0.33220332860946655},{"text":"Beautiful.","start":136.54,"end":137.04,"sentiment":"positive","sentiment_score":0.670674204826355}],"sentiment":"neutral","sentiment_score":0.14512485773142042,"num_words":58,"start":116.675,"end":137.04},{"sentences":[{"text":"Now you will see on the cover page there as well my details.","start":137.26,"end":140.31999,"sentiment":"neutral","sentiment_score":0.24833945013009584},{"text":"So you will see my authorized representative number listed, and I am licensed under OPU Financial.","start":140.355,"end":146.61499,"sentiment":"neutral","sentiment_score":0.1298871706239879},{"text":"And do you remember our conversation kind of following the annual review as well that I was going to have a bit of a review of your investments and check-in on C Bus as well.","start":147.155,"end":157.1,"sentiment":"neutral","sentiment_score":0.07471018848674638},{"text":"Do you kind of remember all that?","start":157.1,"end":158.62,"sentiment":"neutral","sentiment_score":0.03141935888145651},{"text":"Yeah.","start":158.62,"end":158.86,"sentiment":"neutral","sentiment_score":0.07698486745357513}],"sentiment":"neutral","sentiment_score":0.11414422997687426,"num_words":72,"start":137.26,"end":158.86},{"sentences":[{"text":"Okay.","start":158.86,"end":159.36,"sentiment":"neutral","sentiment_score":0.3191891312599182},{"text":"Beautiful.","start":159.58,"end":160.08,"sentiment":"positive","sentiment_score":0.64255690574646},{"text":"So I'll try to keep it quick for you today.","start":160.46,"end":163.04,"sentiment":"positive","sentiment_score":0.536740642786026},{"text":"As per usual, so on page two, it outlines that best interest duty, which is that mean we have to act in your best interest at all times when we are making recommendations or giving you any advice.","start":164.14,"end":177.555,"sentiment":"neutral","sentiment_score":0.18665249488855662},{"text":"And the recommendation itself has to put you in a better position as a result of the advice.","start":178.415,"end":183.59,"sentiment":"neutral","sentiment_score":0.2110466327932146}],"sentiment":"neutral","sentiment_score":0.25324686266043606,"num_words":68,"start":158.86,"end":183.59},{"sentences":[{"text":"Otherwise, we can't actually make the recommendation.","start":183.59,"end":185.69,"sentiment":"neutral","sentiment_score":-0.08886606778417315},{"text":"Does that make sense, Timothy?","start":185.83,"end":187.05,"sentiment":"neutral","sentiment_score":0.07085544690489769},{"text":"Yep.","start":188.07,"end":188.57,"sentiment":"neutral","sentiment_score":0.25721463561058044},{"text":"Beautiful.","start":188.79001,"end":189.29001,"sentiment":"positive","sentiment_score":0.49978023767471313},{"text":"Now as you scroll through, you will then see page three, scope of advice.","start":189.67,"end":195.795,"sentiment":"neutral","sentiment_score":0.10889551575694766}],"sentiment":"neutral","sentiment_score":0.0719195304970656,"num_words":28,"start":183.59,"end":195.795},{"sentences":[{"text":"Now you will see that there is 28 pages in this document.","start":196.25499,"end":199.375,"sentiment":"neutral","sentiment_score":0.053546747813622154},{"text":"A lot of it is just compliant.","start":199.375,"end":200.915,"sentiment":"neutral","sentiment_score":0.10241978721959251},{"text":"So I will try to get through it as quickly as I can because you are quite familiar with it just so I don't waste too much of your time.","start":201.135,"end":207.795,"sentiment":"neutral","sentiment_score":0.16334730982780457},{"text":"But to recap scope of advice and you also then not considered, that basically just factors in the areas we are looking at today.","start":208.07,"end":217.45001,"sentiment":"neutral","sentiment_score":0.07759903402378161},{"text":"So simply today, we are reviewing just your superannuation in net wealth and CEBAS to see if we needed to make any changes, and that was basically it.","start":217.59001,"end":227.00499,"sentiment":"neutral","sentiment_score":0.056594788895121644}],"sentiment":"neutral","sentiment_score":0.09610841272048432,"num_words":101,"start":196.25499,"end":227.00499},{"sentences":[{"text":"So I'm not really reviewing anything else for you today.","start":227.00499,"end":230.14499,"sentiment":"neutral","sentiment_score":-0.1422005072236061},{"text":"Literally just those things to make it nice and easy.","start":230.20499,"end":233.025,"sentiment":"neutral","sentiment_score":0.28239459842443465},{"text":"Yep.","start":234.44499,"end":234.94499,"sentiment":"neutral","sentiment_score":0.16349010169506073},{"text":"Perfect.","start":235.20001,"end":235.70001,"sentiment":"positive","sentiment_score":0.379366934299469},{"text":"Now as you scroll through then as well, you will see a couple of pages about you, just some information from the fact find, some assets and liabilities as well.","start":236.08,"end":248.42001,"sentiment":"neutral","sentiment_score":0.1028232621649901}],"sentiment":"neutral","sentiment_score":0.09672107332600997,"num_words":52,"start":227.00499,"end":248.42001},{"sentences":[{"text":"And then that takes us through page nine, which is your current superannuation and insurances.","start":249.205,"end":254.185,"sentiment":"neutral","sentiment_score":0.059580983221530916},{"text":"Can you see where I'm up to?","start":254.325,"end":255.785,"sentiment":"neutral","sentiment_score":0.0836160486297948},{"text":"Yeah.","start":256.565,"end":256.965,"sentiment":"neutral","sentiment_score":0.17784875631332395},{"text":"Perfect.","start":256.965,"end":257.465,"sentiment":"positive","sentiment_score":0.39449071884155273},{"text":"Now you can see your current situation here at the moment.","start":257.685,"end":260.165,"sentiment":"neutral","sentiment_score":0.11264136670665308}],"sentiment":"neutral","sentiment_score":0.09401204564741679,"num_words":35,"start":249.205,"end":260.165},{"sentences":[{"text":"So you can obviously see your c birth account, and that was open for your insurances and then also your net worth where you do have majority of your CBAS.","start":260.165,"end":269.91,"sentiment":"neutral","sentiment_score":0.0670282756909728},{"text":"Underneath that, you can then see your CBAS insurances.","start":270.69,"end":273.59,"sentiment":"neutral","sentiment_score":0.032786326896813184},{"text":"So as per we kind of went through during the annual review.","start":274.29,"end":277.01,"sentiment":"neutral","sentiment_score":0.03394642068694035},{"text":"You have life and PCD insurance within Cbus, and you can see the premiums and your sum insured and everything there.","start":277.01,"end":282.955,"sentiment":"neutral","sentiment_score":0.052122372956503},{"text":"Now that then takes us to your risk profile on page 10 where it says high growth.","start":284.535,"end":290.955,"sentiment":"neutral","sentiment_score":0.03632139896645265}],"sentiment":"neutral","sentiment_score":0.04972265028719152,"num_words":89,"start":260.165,"end":290.955},{"sentences":[{"text":"Can you see that as well?","start":291.43,"end":292.81,"sentiment":"neutral","sentiment_score":0.052515258391698204},{"text":"Yep.","start":293.50998,"end":294.00998,"sentiment":"neutral","sentiment_score":0.1585937142372131},{"text":"Perfect.","start":294.06998,"end":294.56998,"sentiment":"positive","sentiment_score":0.5924502611160278},{"text":"So pretty straightforward.","start":295.11,"end":296.00998,"sentiment":"positive","sentiment_score":0.5438410441080729},{"text":"Not making any changes to your risk profile.","start":296.06998,"end":298.22998,"sentiment":"neutral","sentiment_score":0.015892577823251486}],"sentiment":"neutral","sentiment_score":0.1486736463480874,"num_words":19,"start":291.43,"end":298.22998},{"sentences":[{"text":"When we did discussing during the annual review, it is still suitable for you with the time frame you have until retirement and the goal of trying to maximize your growth in superannuation while you still have plenty of time until retirement.","start":298.22998,"end":311.165,"sentiment":"neutral","sentiment_score":0.2443628634015719},{"text":"So we're not making any changes to your your risk of volatility or anything like that.","start":311.545,"end":316.525,"sentiment":"neutral","sentiment_score":-0.10425884742289782},{"text":"Yep.","start":318.68002,"end":319.08002,"sentiment":"neutral","sentiment_score":0.12811751663684845},{"text":"Perfect.","start":319.08002,"end":319.56003,"sentiment":"positive","sentiment_score":0.3716574907302856},{"text":"And now that then takes us to page 12 where it then says strategy recommendations.","start":319.56003,"end":326.06,"sentiment":"neutral","sentiment_score":0.11663743257522582}],"sentiment":"neutral","sentiment_score":0.14459246933460235,"num_words":75,"start":298.22998,"end":326.06},{"sentences":[{"text":"Can you see that?","start":326.52002,"end":327.66,"sentiment":"neutral","sentiment_score":0.0694203618913889},{"text":"Yep.","start":328.68002,"end":329.08002,"sentiment":"neutral","sentiment_score":0.09033405035734177},{"text":"Perfect.","start":329.08002,"end":329.58002,"sentiment":"neutral","sentiment_score":0.2417219877243042},{"text":"So what I actually have recommended now, typically, when we are retaining a fund for insurance purposes, we we wanna maintain contributions in through that account.","start":329.775,"end":343.235,"sentiment":"neutral","sentiment_score":0.04776110471441196},{"text":"So what I have recommended is just that we change your employer contributions to be paid into Cbus.","start":343.69,"end":350.27,"sentiment":"neutral","sentiment_score":0.035742760739392705}],"sentiment":"neutral","sentiment_score":0.049897918030619624,"num_words":50,"start":326.52002,"end":350.27},{"sentences":[{"text":"The only reason I have recommended that is because for Cbus, when the balance goes under 10 or sometimes even six, they there is a risk that your insurances can lapse.","start":350.88998,"end":366.02502,"sentiment":"neutral","sentiment_score":-0.19560201490117657},{"text":"So they can get canceled, which we do not want.","start":366.02502,"end":368.52,"sentiment":"neutral","sentiment_score":-0.32765511572360995},{"text":"And if it's also inactive in their mind, meaning that you don't have contributions continuously going into that account, again, they can cancel it.","start":369.24,"end":378.75998,"sentiment":"neutral","sentiment_score":-0.24765504834552607},{"text":"So we wanna make sure we avoid all of that because we wanna keep those insurances for you.","start":378.75998,"end":383.58,"sentiment":"neutral","sentiment_score":-0.19023368673192131},{"text":"So what I have recommended is we we change your employer contributions back to CBAS.","start":384.215,"end":389.275,"sentiment":"neutral","sentiment_score":0.03407113291323185}],"sentiment":"neutral","sentiment_score":-0.18568443007082963,"num_words":98,"start":350.88998,"end":389.275},{"sentences":[{"text":"We will also do a smaller partial rollover from Netwealth to CBAS just to top up the balance in C Bus because, obviously, with market market fluctuations, it has fallen a little bit in C Bus for you.","start":389.895,"end":402.08002,"sentiment":"neutral","sentiment_score":-0.004813374755413909},{"text":"It is just the smallest amount, and that is simply just to give us that certainty with your insurances.","start":402.08002,"end":408.18002,"sentiment":"neutral","sentiment_score":0.07930737077013443},{"text":"Now what we will then do moving forward is each front annual review is that we will reassess how the balances are.","start":409.205,"end":417.22498,"sentiment":"neutral","sentiment_score":0.13201042298566212},{"text":"Because you will have contributions going into CBA, that balance will increase.","start":417.525,"end":422.10498,"sentiment":"neutral","sentiment_score":0.10561956061671178},{"text":"So what we will then do is we will do kind of gradual rollovers from CEVA into Netwealth if it is going to be the best option for you because we want to make sure that you have the most amount of money in the fund that's going to give you the most amount of growth, which is net worth at the moment.","start":422.49,"end":439.065,"sentiment":"neutral","sentiment_score":0.29121979219572885}],"sentiment":"neutral","sentiment_score":0.1548210567879406,"num_words":154,"start":389.895,"end":439.065},{"sentences":[{"text":"Does that all make sense, Timothy?","start":439.065,"end":440.68503,"sentiment":"neutral","sentiment_score":0.12009373928109805},{"text":"Yep.","start":441.785,"end":442.105,"sentiment":"neutral","sentiment_score":0.1480136215686798},{"text":"Okay.","start":442.105,"end":442.58502,"sentiment":"neutral","sentiment_score":0.275790274143219},{"text":"Beautiful.","start":442.58502,"end":443.08502,"sentiment":"positive","sentiment_score":0.4525971114635467},{"text":"Now, basically, what that looks like is if you scroll through for me, you will first see some advantages, disadvantages, and risks associated with the recommendation, which I will go through with you.","start":443.46503,"end":456.81,"sentiment":"neutral","sentiment_score":0.009497415838819561}],"sentiment":"neutral","sentiment_score":0.045485194417692366,"num_words":42,"start":439.065,"end":456.81},{"sentences":[{"text":"But I often find that the best way to look at it is if you want to scroll down through page 19, you should see a table where it says fee comparison.","start":457.99002,"end":470.215,"sentiment":"neutral","sentiment_score":0.0283427526592277},{"text":"Yes.","start":475.49,"end":475.88998,"sentiment":"neutral","sentiment_score":0.09918242692947388},{"text":"Okay.","start":475.88998,"end":476.21,"sentiment":"neutral","sentiment_score":0.226106196641922},{"text":"Perfect.","start":476.21,"end":476.71,"sentiment":"positive","sentiment_score":0.4673228859901428},{"text":"Now this just is sometimes easier to look at because it kind of gives you, like, a a bigger picture from the numbers side.","start":476.85,"end":483.11,"sentiment":"neutral","sentiment_score":0.3157607478400071}],"sentiment":"neutral","sentiment_score":0.15725148377655926,"num_words":59,"start":457.99002,"end":483.11},{"sentences":[{"text":"So you can see here your current position.","start":483.41,"end":485.49,"sentiment":"neutral","sentiment_score":0.18452879413962364},{"text":"You can see your current balance in net worth, your current balance in Cebas.","start":485.49,"end":489.27,"sentiment":"neutral","sentiment_score":0.162133694759437},{"text":"You can see contributions currently into Netwealth, insurance premium from Cebus.","start":489.755,"end":494.495,"sentiment":"neutral","sentiment_score":0.142813386564905},{"text":"You can see the total cost of everything as well as well as the five year rolling average on your current portfolio in Netwealth and Cebus.","start":494.79498,"end":504.895,"sentiment":"neutral","sentiment_score":0.17842963968331998},{"text":"Now on the other side, you can then see the recommendation.","start":506.06998,"end":509.84998,"sentiment":"neutral","sentiment_score":0.07867057553746483}],"sentiment":"neutral","sentiment_score":0.15459423278059278,"num_words":70,"start":483.41,"end":509.84998},{"sentences":[{"text":"So you can see here that I have recommended just to top up CEVA just to 10,000.","start":509.99,"end":514.07,"sentiment":"neutral","sentiment_score":0.1411286176127546},{"text":"We just want the minimum, but we don't wanna risk those insurances.","start":514.07,"end":517.76996,"sentiment":"neutral","sentiment_score":-0.0033518690615892397},{"text":"So, obviously, tiny bit less in net worth for the time being.","start":518.685,"end":521.985,"sentiment":"neutral","sentiment_score":-0.03744269690165917},{"text":"And, also, I have recommended that we change some of your investments, which I will go through with you shortly.","start":523.405,"end":528.465,"sentiment":"neutral","sentiment_score":0.20014140680432319},{"text":"But, basically, by doing that so mainly because we are changing investments, you will see that you are saving a little bit of fees per year, which is great.","start":529.085,"end":539.66,"sentiment":"positive","sentiment_score":0.5585407347514711}],"sentiment":"neutral","sentiment_score":0.24566845724152195,"num_words":90,"start":509.99,"end":539.66},{"sentences":[{"text":"So about a $164 in fees.","start":539.66,"end":542.64,"sentiment":"neutral","sentiment_score":0.03916406569381555},{"text":"The biggest thing is the return on the new portfolio in Netwealth.","start":544.06,"end":547.985,"sentiment":"neutral","sentiment_score":0.20004497344295183},{"text":"So CEVA space is the same about the changes in Netwealth.","start":547.985,"end":551.365,"sentiment":"neutral","sentiment_score":0.1798512800173326},{"text":"Now using the same five year rolling average, you can actually see the difference here of about 13.55%, which you can see is a difference of about 2.04% better, which means that the recommended portfolio over that five year time frame has performed better than your current investment portfolio network.","start":552.065,"end":571.51,"sentiment":"neutral","sentiment_score":0.2686818256229162},{"text":"Does that make sense, Timothy?","start":571.89,"end":573.19,"sentiment":"neutral","sentiment_score":0.15896027982234956}],"sentiment":"neutral","sentiment_score":0.22431881947531587,"num_words":84,"start":539.66,"end":573.19},{"sentences":[{"text":"Yep.","start":574.825,"end":575.30505,"sentiment":"neutral","sentiment_score":0.310131311416626},{"text":"Perfect.","start":575.30505,"end":575.80505,"sentiment":"positive","sentiment_score":0.4625478684902191},{"text":"Now the the one thing I do wanna let you know is that when we are chopping and changing investments and when we are selling investments, there will be some capital gains tax on those investments.","start":576.825,"end":590.49,"sentiment":"neutral","sentiment_score":-0.08327798369444078},{"text":"Now that is paid from super, so not something you have to pay for yourself.","start":590.95,"end":595.37,"sentiment":"neutral","sentiment_score":-0.08690275078018507},{"text":"And we've tried to minimize that as much as possible for you when I have recommended the changes to what we want to do.","start":595.91003,"end":603.85,"sentiment":"neutral","sentiment_score":-0.05778980876008669}],"sentiment":"neutral","sentiment_score":-0.06384188188360883,"num_words":77,"start":574.825,"end":603.85},{"sentences":[{"text":"So on the top row here, you can see the balance, and you see the difference of 511.","start":604.33496,"end":610.27496,"sentiment":"neutral","sentiment_score":0.04640944395214319},{"text":"Can you see that?","start":610.415,"end":611.475,"sentiment":"neutral","sentiment_score":0.029031983576714993},{"text":"Yep.","start":612.975,"end":613.45496,"sentiment":"neutral","sentiment_score":0.07591429352760315},{"text":"That is the estimated capital gains tax from just swapping some of your investments out.","start":613.45496,"end":619.795,"sentiment":"neutral","sentiment_score":0.025092112397154174},{"text":"So it's not too big, which is good, but something I do wanna just let you know so that you are aware.","start":619.935,"end":625.21,"sentiment":"neutral","sentiment_score":0.007612316149540923}],"sentiment":"neutral","sentiment_score":0.026187747670337557,"num_words":60,"start":604.33496,"end":625.21},{"sentences":[{"text":"Yep.","start":626.95,"end":627.45,"sentiment":"neutral","sentiment_score":0.16390101611614227},{"text":"Perfect.","start":627.75,"end":628.25,"sentiment":"neutral","sentiment_score":0.3183227777481079},{"text":"Now part of the research as well, I did consider a lot of other options.","start":628.87,"end":632.47003,"sentiment":"neutral","sentiment_score":0.08454266513387362},{"text":"I researched a lot of different super funds for you as well just to make sure that the current arrangement is the best for you.","start":632.47003,"end":639.055,"sentiment":"neutral","sentiment_score":0.11464775621891021},{"text":"And at the moment, it's still very much is.","start":639.355,"end":641.755,"sentiment":"neutral","sentiment_score":0.05236192585693465}],"sentiment":"neutral","sentiment_score":0.09976107860897102,"num_words":51,"start":626.95,"end":641.755},{"sentences":[{"text":"Netwealth is very competitive when it comes to their their fees, their features, and investment choices.","start":641.755,"end":648.735,"sentiment":"neutral","sentiment_score":0.18723562406376004},{"text":"And Ceva's obviously have your insurances, which is great.","start":649.58997,"end":652.79,"sentiment":"neutral","sentiment_score":0.1857453617784712},{"text":"And moving you to another super fund just wasn't worth it from a fee for network that's exactly the same thing, and that would trigger a pretty high capital gains tax, which we want to avoid.","start":652.79,"end":662.97,"sentiment":"neutral","sentiment_score":-0.3171524873210324},{"text":"So everything is doing pretty good for you.","start":663.725,"end":666.065,"sentiment":"positive","sentiment_score":0.4655761979520321},{"text":"Now on the next page, which is page 20, you can then see kind of forecasted and compounding those small changes with the investments on a five and ten year time frame.","start":667.08496,"end":680.62994,"sentiment":"neutral","sentiment_score":0.10778293816838413}],"sentiment":"neutral","sentiment_score":0.004194577252215679,"num_words":101,"start":641.755,"end":680.62994},{"sentences":[{"text":"So even though it might look fairly small when it comes to the return, because, obviously, your balance is still pretty decent, it all compounds and add up.","start":681.08997,"end":690.135,"sentiment":"neutral","sentiment_score":0.27706607883530004},{"text":"And over that five and ten years, it does make a pretty big difference.","start":690.935,"end":694.315,"sentiment":"positive","sentiment_score":0.4245267914874213},{"text":"Yep.","start":696.215,"end":696.715,"sentiment":"neutral","sentiment_score":0.17565052211284635},{"text":"Now underneath that, you can then also see a bit more on the return.","start":696.855,"end":700.615,"sentiment":"neutral","sentiment_score":0.16644319146871567},{"text":"So you can see your current net wealth and the recommended net wealth, and you can also see your c bus, the twelve, three, and the five year.","start":700.615,"end":709.27,"sentiment":"neutral","sentiment_score":0.2048195025750569}],"sentiment":"neutral","sentiment_score":0.2581414889763383,"num_words":85,"start":681.08997,"end":709.27},{"sentences":[{"text":"And you can see that across all three time frames, the recommended net wealth portfolio has outperformed both of them.","start":709.57,"end":716.95,"sentiment":"positive","sentiment_score":0.35082834810018537},{"text":"Yep.","start":719.26495,"end":719.76495,"sentiment":"positive","sentiment_score":0.36353468894958496},{"text":"Pretty straightforward.","start":720.06494,"end":720.96497,"sentiment":"positive","sentiment_score":0.6026276350021362},{"text":"Alright.","start":721.02496,"end":721.425,"sentiment":"positive","sentiment_score":0.4426576495170593},{"text":"Perfect.","start":721.425,"end":721.925,"sentiment":"positive","sentiment_score":0.5554563999176025}],"sentiment":"positive","sentiment_score":0.3833388388156891,"num_words":25,"start":709.57,"end":721.925},{"sentences":[{"text":"Now if you can just scroll up for me to page 18, and there's not too much more to go, it just shows you the asset allocation.","start":721.985,"end":729.845,"sentiment":"neutral","sentiment_score":0.08449881965363468},{"text":"Can you see that little pie chart?","start":730.14496,"end":731.76495,"sentiment":"neutral","sentiment_score":0.06239591645342963},{"text":"Yep.","start":732.96,"end":733.28,"sentiment":"neutral","sentiment_score":0.19375555217266083},{"text":"Beautiful.","start":733.28,"end":733.78,"sentiment":"positive","sentiment_score":0.40279170870780945},{"text":"So like I said earlier, we're not changing your risk profile.","start":734.08,"end":737.38,"sentiment":"neutral","sentiment_score":0.05033205957575278}],"sentiment":"neutral","sentiment_score":0.0823072225965084,"num_words":47,"start":721.985,"end":737.38},{"sentences":[{"text":"The benchmark is around ninety ten.","start":737.92,"end":740.96,"sentiment":"neutral","sentiment_score":0.005523064328978459},{"text":"So 90 growth, 10 defensive, but it can range up through up to a 100, but we wanna make sure we have some defensive elements.","start":740.96,"end":749.755,"sentiment":"neutral","sentiment_score":0.073662342838943},{"text":"So you can actually see that your existing portfolio and that the comparison to the proposed or proposed ones is a little bit less growth, still very much so aligning with the risk profile, increasing that defensive just a tiny bit, but not increasing any risk and still aligning with your high growth portfolio.","start":750.295,"end":770.20996,"sentiment":"neutral","sentiment_score":0.07839078007748833},{"text":"So that basically shows this for you.","start":770.35,"end":772.29,"sentiment":"neutral","sentiment_score":0.09262720389025551},{"text":"Yep.","start":773.70996,"end":774.11,"sentiment":"neutral","sentiment_score":0.06735030561685562}],"sentiment":"neutral","sentiment_score":0.07337139584925226,"num_words":93,"start":737.92,"end":774.11},{"sentences":[{"text":"Now the the last thing is then on page 16.","start":774.11,"end":777.455,"sentiment":"neutral","sentiment_score":0.04440467283129692},{"text":"If you can scroll up for me.","start":777.455,"end":779.395,"sentiment":"neutral","sentiment_score":0.030714576531733786},{"text":"Yep.","start":784.335,"end":784.73505,"sentiment":"neutral","sentiment_score":0.17305642366409302},{"text":"Perfect.","start":784.73505,"end":785.23505,"sentiment":"positive","sentiment_score":0.3669803738594055},{"text":"Now that one here then shows you the recommendations I have made in regards to your investments.","start":785.615,"end":792.03503,"sentiment":"neutral","sentiment_score":0.20036445645725026}],"sentiment":"neutral","sentiment_score":0.12792448114810717,"num_words":36,"start":774.11,"end":792.03503},{"sentences":[{"text":"So you can see here your investment name first.","start":792.94,"end":796.54,"sentiment":"neutral","sentiment_score":0.127825565636158},{"text":"You can see the little ticket code.","start":796.54,"end":798.88,"sentiment":"neutral","sentiment_score":0.1225076871258872},{"text":"You can see the current weight, what that looks like from a balance point of view, and then the buy and sell columns.","start":799.25995,"end":806.8,"sentiment":"neutral","sentiment_score":0.10949563429407451},{"text":"The buy and sell column shows you that what it is highlighted in red is what we are selling, and then what's in black is what we are either keeping in your portfolio or adding to your portfolio.","start":806.86,"end":819.855,"sentiment":"neutral","sentiment_score":0.09638310488509505},{"text":"So that you can see there's not too many changes.","start":820.28,"end":823.18,"sentiment":"neutral","sentiment_score":0.10755967572331429}],"sentiment":"neutral","sentiment_score":0.1064889451981276,"num_words":87,"start":792.94,"end":823.18},{"sentences":[{"text":"The only investment we are completely selling out of is the iShares miscue.","start":823.72003,"end":830.38,"sentiment":"neutral","sentiment_score":-0.18087263577259505},{"text":"And the true ones we are adding to your portfolio is the bottom two, which is your Vanguard All World, but it does exclude The US because you already have quite a bit of exposure to The US in the iShares S and P 500, which is just that one investment line above it.","start":831.72003,"end":849.63,"sentiment":"neutral","sentiment_score":0.0262205739747043},{"text":"So we wanna make sure that your portfolio overall is very diversified.","start":849.87,"end":853.89,"sentiment":"neutral","sentiment_score":0.14730611350387335},{"text":"We don't want too much in just one industry or sector either.","start":854.11,"end":857.39,"sentiment":"neutral","sentiment_score":-0.049924937154476844},{"text":"Does that make sense?","start":857.39,"end":858.53,"sentiment":"neutral","sentiment_score":0.037222571205347776}],"sentiment":"neutral","sentiment_score":0.004021380322152063,"num_words":95,"start":823.72003,"end":858.53},{"sentences":[{"text":"Yep.","start":859.79,"end":860.19,"sentiment":"neutral","sentiment_score":0.186834454536438},{"text":"Yep.","start":860.19,"end":860.69,"sentiment":"neutral","sentiment_score":0.16066083312034607},{"text":"Yep.","start":860.75,"end":861.07,"sentiment":"neutral","sentiment_score":0.26676321029663086},{"text":"Beautiful.","start":861.07,"end":861.57,"sentiment":"positive","sentiment_score":0.5303239822387695},{"text":"Otherwise, you can see that most of the other investment stays the same.","start":862.43,"end":866.245,"sentiment":"neutral","sentiment_score":0.2827834337949753}],"sentiment":"neutral","sentiment_score":0.28357453644275665,"num_words":17,"start":859.79,"end":866.245},{"sentences":[{"text":"They are just rebalanced to give you a little bit more diversification and equal exposure.","start":866.245,"end":871.945,"sentiment":"neutral","sentiment_score":0.31263112326463066},{"text":"So you can see the BetaShares Australia two 100 was quite heavy currently, so it's just reducing that a little bit to not, again, be overexposed to the Australian market.","start":872.08496,"end":881.85004,"sentiment":"neutral","sentiment_score":0.11729229850073655},{"text":"It is rebalancing everything for you.","start":881.85004,"end":884.43005,"sentiment":"positive","sentiment_score":0.3938215970993042},{"text":"We are increasing gold a little bit.","start":884.81,"end":886.81,"sentiment":"positive","sentiment_score":0.4117065370082855},{"text":"It's done really well.","start":886.81,"end":887.77,"sentiment":"positive","sentiment_score":0.6158133000135422}],"sentiment":"neutral","sentiment_score":0.25671555396289597,"num_words":62,"start":866.245,"end":887.77},{"sentences":[{"text":"You had about 4.62.","start":887.77,"end":889.69,"sentiment":"neutral","sentiment_score":0.3131217658519745},{"text":"Just increasing that up to seven for you.","start":889.69,"end":892.19,"sentiment":"neutral","sentiment_score":0.23608952201902866},{"text":"Cybersecurity basically stays the same.","start":892.57,"end":895.07,"sentiment":"neutral","sentiment_score":0.20320568978786469},{"text":"Europe, very similar, just increasing that slightly again to give you that kind of diversification.","start":895.21,"end":900.50494,"sentiment":"neutral","sentiment_score":0.22588239808877308},{"text":"Japan stays the same.","start":901.605,"end":903.14496,"sentiment":"neutral","sentiment_score":0.1551891379058361}],"sentiment":"neutral","sentiment_score":0.22683956142928866,"num_words":36,"start":887.77,"end":903.14496},{"sentences":[{"text":"And that is basically it.","start":904.00494,"end":905.20496,"sentiment":"neutral","sentiment_score":0.1793231636285782},{"text":"So pretty straightforward when it comes to the investments.","start":905.20496,"end":907.70496,"sentiment":"neutral","sentiment_score":0.22955931805902058},{"text":"Does that all make sense?","start":907.76495,"end":909.06494,"sentiment":"neutral","sentiment_score":0.11267196536064147},{"text":"Yep.","start":910.23004,"end":910.71,"sentiment":"neutral","sentiment_score":0.2006123960018158},{"text":"Yep.","start":910.71,"end":911.11005,"sentiment":"neutral","sentiment_score":0.2817598283290863}],"sentiment":"neutral","sentiment_score":0.19087532056229456,"num_words":21,"start":904.00494,"end":911.11005},{"sentences":[{"text":"Beautiful.","start":911.11005,"end":911.61005,"sentiment":"positive","sentiment_score":0.5612190365791321},{"text":"Now the last thing I do wanna just point out for you is just when it comes through the fee structure again, and that is, like I said in the annual review, no changes whatsoever.","start":912.87,"end":923.77,"sentiment":"neutral","sentiment_score":0.16101063787937164},{"text":"So no changes to the fee structure.","start":924.07,"end":925.375,"sentiment":"neutral","sentiment_score":0.12632826289960317},{"text":"It stays exactly the same at 1.65 from super, and there's no additional fees or charges at all to go ahead with these recommendations.","start":925.375,"end":934.355,"sentiment":"neutral","sentiment_score":0.3241258515045047},{"text":"That is all part of that ongoing service that we provide.","start":934.57495,"end":937.39496,"sentiment":"positive","sentiment_score":0.4066107489845969}],"sentiment":"neutral","sentiment_score":0.24785420355888513,"num_words":78,"start":911.11005,"end":937.39496},{"sentences":[{"text":"Now, Timothy, do you have any questions in regards to any of this, or what are your thoughts on these couple of changes for you?","start":939.13,"end":945.13,"sentiment":"neutral","sentiment_score":0.04888542488217354},{"text":"Yes.","start":945.13,"end":945.63,"sentiment":"neutral","sentiment_score":0.16277357935905457},{"text":"Okay.","start":945.93005,"end":946.43005,"sentiment":"neutral","sentiment_score":0.1449766755104065},{"text":"Yep.","start":946.65,"end":947.05005,"sentiment":"neutral","sentiment_score":0.20009109377861023},{"text":"Beautiful.","start":947.05005,"end":947.55005,"sentiment":"neutral","sentiment_score":0.06087720766663551}],"sentiment":"neutral","sentiment_score":0.06175359235755328,"num_words":29,"start":939.13,"end":947.55005},{"sentences":[{"text":"So, basically, from here, if you are happy to do so, it will ask you to add a signature at the bottom of that document.","start":948.33,"end":955.085,"sentiment":"neutral","sentiment_score":0.07611632853746414},{"text":"If you, yeah, if you're able to add a signature, it should automatically add the date as well.","start":956.985,"end":961.40497,"sentiment":"neutral","sentiment_score":0.161115859531694},{"text":"Yep.","start":965.24,"end":965.56,"sentiment":"neutral","sentiment_score":0.32831525802612305},{"text":"Perfect.","start":965.56,"end":966.06,"sentiment":"positive","sentiment_score":0.6434634923934937},{"text":"And then does it allow you to validate it, or what does it say now?","start":966.12,"end":969.82,"sentiment":"neutral","sentiment_score":0.16170890629291534}],"sentiment":"neutral","sentiment_score":0.1366734338303407,"num_words":60,"start":948.33,"end":969.82},{"sentences":[{"text":"Yes.","start":973.64,"end":974.14,"sentiment":"neutral","sentiment_score":0.08913774788379669},{"text":"You can just put NA or full stop.","start":976.455,"end":978.375,"sentiment":"neutral","sentiment_score":0.05318900663405657},{"text":"The textbook is just there if you would like to make a request for any of the variations, you can type it 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you.","start":1005.915,"end":1011.355,"sentiment":"neutral","sentiment_score":0.2702263286885093},{"text":"So if you wanted to when whenever you had some time, wanted to read up on the investments in more detail, all the research and everything is there for you.","start":1011.355,"end":1020.015,"sentiment":"neutral","sentiment_score":0.25480506420135496},{"text":"If you can't access it, though, we always have a copy on file.","start":1020.33,"end":1023.71,"sentiment":"neutral","sentiment_score":0.0162653605444715}],"sentiment":"neutral","sentiment_score":0.2517247766421254,"num_words":84,"start":996.77,"end":1023.71},{"sentences":[{"text":"I can always send it to you as well if you ever wanted 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again.","start":1067.215,"end":1070.275,"sentiment":"positive","sentiment_score":0.7542504966259003},{"text":"Bye.","start":1071.9349,"end":1072.4349,"sentiment":"neutral","sentiment_score":-0.12212616950273514}],"sentiment":"positive","sentiment_score":0.7026989280300981,"num_words":17,"start":1067.215,"end":1072.4349}]}}]},{"alternatives":[{"transcript":"Hello? Yep. Good. Thanks. Yes, please. Yeah. That's fine. Yep. That's fine. It's Timothy Marshall Short. Twenty nine twelve seventy three, and it's 87 Anderson Street, Webberton, WA. Just getting started. Yeah. I'm just about to stop. Sorry. Yep. Yep. No. That's fine. Yep. We'll cut all that. Okay. Yep. Yes. I can. Yes. Yep. Yes. Yes. Yep. That's fine. Yeah. Yep. No worries. Yes. Yep. Yes. Yes. Yep. Yes. Yep. Yep. Yep. Yep. Okay. No worries. Yes. Okay. Yep. No worries. Okay. Yep. Yeah. That's fine. Yep. Yep. Yes. Yep. Yep. No worries. Yep. Okay. Yep. That's fine. Okay. Yep. Yes. Okay. Yep. No. That's fine. Okay. Yep. Yep. Yep. Yep. Yeah. Yep. No. That's good. Yeah. Yep. Yes. Yes. Yep. Yep. Yes. Okay. Okay. Yes. Yeah. That's fine. Yep. Yeah. Yeah. Yeah. That's fine. Yep. No. It's all fine. Fine with me. Yep. Yeah. Done that. It just says in a text text area. Is that where just put my name in there? Or Okay. Yep. It's letting me validate now. Yep. I'm okay. That's fine. Yep. Yep. No worries. Yep. No problems. Thanks. Alright. 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problems.","start":1065.35,"end":1066.09,"sentiment":"positive","sentiment_score":0.40024131536483765},{"text":"Thanks.","start":1068.71,"end":1069.21,"sentiment":"positive","sentiment_score":0.6701182126998901},{"text":"Alright.","start":1069.969,"end":1070.469,"sentiment":"neutral","sentiment_score":0.3043102025985718},{"text":"Bye.","start":1071.569,"end":1072.069,"sentiment":"neutral","sentiment_score":0.23618583381175995}],"sentiment":"positive","sentiment_score":0.3638774777452151,"num_words":6,"start":1065.0299,"end":1072.069}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good morning. Is this Timothy?\n\nChannel 1: Yep.\n\nChannel 0: This is Veronica from Oakview Financial. How are you?\n\nChannel 1: Good. Thanks.\n\nChannel 0: I had you booked in for a bit of a catch up to go through the research I did on your net worth and your c bus to make sure everything is set up alright for you. Is\n\nChannel 1: Yes,\n\nChannel 0: now\n\nChannel 1: please.\n\nChannel 0: still a good time?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yep. 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 with you.\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Perfect. Just for security purposes as well, just so that I can confirm I am speaking with the right person, could you just confirm full name, date of birth, and address, please?\n\nChannel 1: It's Timothy Marshall Short. Twenty nine twelve seventy three, and it's 87 Anderson Street, Webberton, WA.\n\nChannel 0: Yep. Beautiful. And how's your morning been so far? Been busy, or just kind of getting started?\n\nChannel 1: Just getting started.\n\nChannel 0: Yeah. Well, I will try not to keep you for too long. Now it sounds like you're driving at the moment. Is that right?\n\nChannel 1: Yeah. I'm just about to stop. Sorry.\n\nChannel 0: Okay. Because what I have done is I have you sent you an email with the recommendation. So let me know if you have the option\n\nChannel 1: Yep.\n\nChannel 0: of accessing them when you've stopped. Or if it's a bit tricky, I can always run through the recommendation with you. And then when you have time, you can have a look through it. It is up to you.\n\nChannel 1: Yep. No. That's fine.\n\nChannel 0: Yep. Okay. So just let me know when you can access it, and I will let you know where I'm up to if that's alright.\n\nChannel 1: Yep. We'll cut all that.\n\nChannel 0: Yeah. Okay. Perfect. So if you can click on the link where it says sign now, now it will allow you to actually open up and view the documents first before it prompts you to sign anything.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Now let me know if you can see the cover page where it then says statement of advice prepared\n\nChannel 1: Yes.\n\nChannel 0: for\n\nChannel 1: I\n\nChannel 0: yourself.\n\nChannel 1: can.\n\nChannel 0: Yep. Beautiful. Now you will see on the cover page there as well my details. So you will see my authorized representative number listed, and I am licensed under OPU Financial.\n\nChannel 1: Yes.\n\nChannel 0: And do you remember\n\nChannel 1: Yep.\n\nChannel 0: our conversation kind of following the annual review as well that I was going to have a bit of a review of your investments and check-in on C Bus\n\nChannel 1: Yes.\n\nChannel 0: as well. Do you kind of remember all that? Yeah.\n\nChannel 1: Yes.\n\nChannel 0: Okay. Beautiful. So I'll try to keep it quick for you today. As per usual, so on page two, it outlines that best interest duty, which is that mean we have to act in your best interest at all times when we are making recommendations or giving you any advice. And the recommendation itself has to put you in a better position as a result of the advice.\n\nOtherwise, we can't actually make the recommendation. Does that make sense, Timothy?\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Yep. Beautiful. Now as you scroll through, you will then see page three, scope of advice. Now you will see that there is 28 pages in this document. A lot of it is\n\nChannel 1: Yeah.\n\nChannel 0: just compliant. So I will try to get through it as quickly as I can because you are quite familiar with it just so I don't waste too much of your time. But to recap scope of advice and you also then not considered, that basically just factors in the areas we are looking at today. So simply today, we are reviewing just your superannuation in net wealth and CEBAS to see if we needed to make any changes, and that was basically it. So I'm not really reviewing anything else for you today.\n\nLiterally just those things to make it nice and easy.\n\nChannel 1: Yep. No worries.\n\nChannel 0: Yep. Perfect. Now as you scroll through then as well, you will see a couple of pages about you, just some information from the fact find, some assets and liabilities\n\nChannel 1: Yes.\n\nChannel 0: as well.\n\nChannel 1: Yep.\n\nChannel 0: And then that takes us through page nine, which is your current superannuation and insurances. Can you see where I'm up to?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Yeah. Perfect. Now you can see your current situation here at the moment. So you can obviously see your c birth account, and that was open for your insurances and then also your net worth where you do have majority of your CBAS. Underneath\n\nChannel 1: Yep.\n\nChannel 0: that, you can then see your CBAS insurances. So as\n\nChannel 1: Yes.\n\nChannel 0: per we kind of went through during the annual review. You have life and PCD insurance within Cbus, and you can see the premiums and your sum insured and everything there.\n\nChannel 1: Yep.\n\nChannel 0: Now that then takes us to your risk profile on page 10 where it says high growth. Can you see that as well?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Perfect. So pretty straightforward. Not making any changes to your risk profile. When we did discussing during the annual review, it is still suitable for you with the time frame you have until retirement and the goal of trying to maximize your growth in superannuation while you still have plenty of time until retirement.\n\nSo we're\n\nChannel 1: Yep.\n\nChannel 0: not making any changes to your your risk of volatility or anything like that.\n\nChannel 1: Okay. No worries.\n\nChannel 0: Yep. Perfect. And now that then takes us to page 12 where it then says strategy recommendations. Can you see that?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect. So what I actually have recommended now, typically, when we are retaining a fund for insurance purposes, we we wanna maintain contributions in through that account. So what I have recommended is just that we change your employer contributions to be paid into Cbus. The only reason I have recommended that is because for Cbus, when the balance goes under 10 or sometimes even six, they there is a risk that your insurances can lapse.\n\nSo they can get canceled, which we do not want.\n\nChannel 1: Okay.\n\nChannel 0: And if it's also inactive in their mind, meaning that you don't have contributions continuously going into that account, again, they can cancel it. So we wanna make sure we avoid all of that because we wanna keep those insurances for you.\n\nChannel 1: Yep.\n\nChannel 0: So\n\nChannel 1: No worries.\n\nChannel 0: what I have recommended is we we change your employer contributions back to CBAS. We will also do a smaller partial rollover from Netwealth to CBAS just to top up the balance in C Bus because, obviously, with market market fluctuations, it has fallen a little bit in C Bus for you. It is just the smallest amount, and that is simply just to give us that certainty with your insurances. Now\n\nChannel 1: Okay.\n\nChannel 0: what we will then do moving forward is each front annual review is that we will reassess how the balances are. Because you will have contributions going into CBA, that balance will increase. So what we will then do is we will do kind of gradual rollovers from CEVA into Netwealth if it is going to be the best option for you because we want to make sure that you have the most amount of money in the fund that's going to give you the most amount of growth, which is net worth at the moment. Does that all make\n\nChannel 1: Yep.\n\nChannel 0: sense, Timothy?\n\nChannel 1: Yeah. That's fine. Yep.\n\nChannel 0: Yep. Okay. Beautiful. Now, basically, what that looks like is if you scroll through for me, you will first see some advantages, disadvantages, and risks associated with the recommendation,\n\nChannel 1: Yep.\n\nChannel 0: which I will go through with you. But I often find that the best way to look at it is if you want to scroll down through page 19, you should see a table where it says fee comparison.\n\nChannel 1: Yes.\n\nChannel 0: Yes. Okay. Perfect. Now this just is sometimes easier to look at because it kind of gives you, like, a a bigger picture from the numbers side. So you can see here your current position.\n\nYou can see your current balance in net worth, your current balance in Cebas. You can see contributions currently into Netwealth, insurance premium from Cebus. You can see the total cost of everything as well as well\n\nChannel 1: Yep.\n\nChannel 0: as the five year rolling average on your current portfolio in Netwealth and Cebus.\n\nChannel 1: Yep.\n\nChannel 0: Now\n\nChannel 1: No worries.\n\nChannel 0: on the other side, you can then see the recommendation. So you can see here that I have recommended just to top up CEVA just to 10,000. We just want the minimum, but we don't wanna risk those insurances. So, obviously, tiny bit less in net worth for the time being. And, also, I have recommended that we change some of your investments, which I will go through with you shortly.\n\nBut, basically,\n\nChannel 1: Yep.\n\nChannel 0: by doing that so mainly because we are changing investments, you will see that you are saving a little bit of fees per year, which is great. So about a $164 in fees. The biggest thing is the return on the new portfolio in Netwealth. So CEVA space is the same about the changes in Netwealth. Now using the same five year rolling average, you can actually see the difference here of about 13.55%, which you can see is a difference\n\nChannel 1: Okay.\n\nChannel 0: of about 2.04% better, which means that the recommended portfolio over that five year time frame has performed better than your current investment portfolio network. Does that make sense, Timothy?\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Yep. Perfect. Now the the one thing I do wanna let you know is that when we are chopping and changing investments and when we are selling investments, there will be some capital gains tax on those investments. Now that is paid from super, so not something you have to pay for yourself. And we've\n\nChannel 1: Okay.\n\nChannel 0: tried to minimize that as much as possible for you when I have recommended the changes to what we want to do.\n\nChannel 1: Yep.\n\nChannel 0: So on the top row here, you can see the balance, and you see the difference of 511. Can you see that?\n\nChannel 1: Yes.\n\nChannel 0: Yep. That is the estimated capital gains tax from just swapping some of your investments out. So it's\n\nChannel 1: Okay.\n\nChannel 0: not too big, which is good, but something I do wanna just let you know so that you are aware.\n\nChannel 1: Yep. No. That's fine.\n\nChannel 0: Yep. Perfect. Now part of the research as well, I did consider a lot of other options. I researched a lot of different super funds for you as well just to make sure that the current arrangement is the best for you. And at the moment, it's still very much is.\n\nNetwealth is very competitive when it comes to their their fees, their features, and investment choices. And Ceva's obviously have your insurances, which is great. And moving you to another super fund just wasn't worth it from a fee for network that's exactly the same thing, and that would trigger a pretty high capital gains tax, which we want to avoid.\n\nChannel 1: Okay.\n\nChannel 0: So everything\n\nChannel 1: Yep.\n\nChannel 0: is doing pretty good for you. Now on the next page, which is page 20, you can then see kind of forecasted and compounding those small changes with the investments on a five and ten year time frame. So\n\nChannel 1: Yep.\n\nChannel 0: even though it might look fairly small when it comes to the return, because, obviously, your balance is still pretty decent, it all compounds and add up. And over that five and ten years, it does make a pretty big difference.\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Now underneath that, you can then also see a bit more on the return. So you can see your current net wealth and the recommended net wealth, and you can also see your c bus, the twelve,\n\nChannel 1: Yeah.\n\nChannel 0: three, and the five year. And you can see that across all three time frames, the recommended net wealth portfolio has outperformed both of them.\n\nChannel 1: Yep. No. That's\n\nChannel 0: Yep.\n\nChannel 1: good.\n\nChannel 0: Pretty straightforward. Alright. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: Now if you can just scroll up for me to page 18, and there's not too much more to go, it just\n\nChannel 1: Yep.\n\nChannel 0: shows you the asset allocation. Can you see that little pie chart?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Beautiful. So like I said earlier, we're not changing your risk profile. The benchmark is around ninety ten. So 90\n\nChannel 1: Yes.\n\nChannel 0: growth, 10 defensive, but it can range up through up to a 100, but we wanna make sure we have some defensive elements. So you can actually see that your existing portfolio and that the comparison to the proposed or proposed ones is a little bit less growth, still very much so aligning with the risk profile, increasing that defensive just a tiny bit, but not increasing any risk and still aligning with your high growth portfolio. So that basically shows this for you.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Now the the last thing is then on page 16. If you can scroll up for me.\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect. Now that one here then shows you the recommendations I have made in regards to your investments. So you can see here your investment name first. You can see the little ticket code.\n\nYou can see the current weight, what that looks like from a balance point of view, and then the buy and sell columns. The buy and sell column shows you that what it is highlighted in red is what we are selling, and then what's in\n\nChannel 1: Okay.\n\nChannel 0: black is what we are either keeping in your portfolio or adding to your portfolio. So that you can see there's not too many changes. The only investment we are completely selling out of is the iShares miscue. And the true ones we are adding to your portfolio is the bottom two, which\n\nChannel 1: Okay.\n\nChannel 0: is your Vanguard All World, but it does exclude The US because you already have quite a bit of exposure to The US in the iShares S and P 500, which is just that one investment line above it. So we wanna make sure that your portfolio overall is very diversified. We don't want too much in just one industry or sector either. Does that make sense?\n\nChannel 1: Yes. Yeah. That's\n\nChannel 0: Yep.\n\nChannel 1: fine.\n\nChannel 0: Yep. Yep. Beautiful. Otherwise, you can see that most of the other investment stays the same. They are just rebalanced to give you a little bit more diversification and equal exposure.\n\nSo you can see the BetaShares Australia two 100 was quite heavy currently, so it's just reducing that a little bit to not, again, be overexposed to the Australian market. It is rebalancing everything for you. We are increasing gold a little bit. It's done really well. You had about 4.62.\n\nJust increasing that up to seven for you. Cybersecurity basically stays the same. Europe, very similar, just increasing that slightly again to give you that kind of diversification. Japan stays the same. And that\n\nChannel 1: Yep.\n\nChannel 0: is basically it. So pretty straightforward when it comes to the\n\nChannel 1: Yeah.\n\nChannel 0: investments. Does that\n\nChannel 1: Yeah.\n\nChannel 0: all make sense?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yep. Yep. Beautiful. Now the last thing I do wanna just point out for you is just when it comes through the fee structure again, and that is, like I said in the annual review, no changes whatsoever. So no changes to the fee structure.\n\nIt stays exactly the same at 1.65 from super, and there's no additional fees or charges at all to go ahead with these recommendations. That is all part of that ongoing service that we provide.\n\nChannel 1: Yep.\n\nChannel 0: Now, Timothy, do you have any questions in regards to any of this, or what are your thoughts on these couple of changes\n\nChannel 1: No. It's\n\nChannel 0: for\n\nChannel 1: all\n\nChannel 0: you?\n\nChannel 1: fine.\n\nChannel 0: Yes.\n\nChannel 1: Fine with\n\nChannel 0: Okay.\n\nChannel 1: me.\n\nChannel 0: Yep. Beautiful. So, basically, from here, if you are happy to do so, it will ask you to add a signature at the bottom of that document.\n\nChannel 1: Yep.\n\nChannel 0: If you, yeah, if you're able to add a signature, it should automatically add the date as well.\n\nChannel 1: Yeah. Done\n\nChannel 0: Yep. Perfect. And then does it allow you to validate it, or what does it say now?\n\nChannel 1: that. It just says in a text text area.\n\nChannel 0: Yes.\n\nChannel 1: Is that where just put my name in there? Or\n\nChannel 0: You can just put NA or full stop. The textbook is just there if you would like to make a request for any of the variations, you can type it out. But if there's\n\nChannel 1: Okay.\n\nChannel 0: no changes, it will just ask you to just do a full stop or NA, and they will then kind of let you hopefully, press validate after that, I I believe.\n\nChannel 1: Yep. It's letting me validate now.\n\nChannel 0: Yep. Perfect. Now this document is saved in the Odisign there for you if you ever wanna go back and have a read over it. There was also a appendix attached, which is just that the research is all there for you. So if you wanted to when whenever you had some time, wanted to read up on the investments in more detail, all the research and everything is there for you.\n\nIf you\n\nChannel 1: Yep.\n\nChannel 0: can't access it, though, we always have a copy on file. I can always send it to you as well if you ever\n\nChannel 1: I'm okay.\n\nChannel 0: wanted it.\n\nChannel 1: That's\n\nChannel 0: Yep.\n\nChannel 1: fine.\n\nChannel 0: Beautiful. Now I can see, team, that that has come through on my end, which is fantastic. So I will let the team know that we'll go ahead and make these couple of changes for you. I\n\nChannel 1: Yep.\n\nChannel 0: will also get the team to send you the the contribution form just so we can change those contributions. So all you gotta do is then just pass that on to the employer, and we'll keep a lookout of things just to make sure that's all transferred correctly for you.\n\nChannel 1: Yep. No worries.\n\nChannel 0: Yep. Beautiful. Well, thank you so much for your time this morning, team. I'll let you get on with your day. But if you have any other questions or need anything else, don't hesitate to give me a call.\n\nOkay?\n\nChannel 1: Yep. No problems.\n\nChannel 0: Yep. Beautiful. Well, thank you so much, Tim, and I look forward\n\nChannel 1: Thanks.\n\nChannel 0: to speaking with you soon again.\n\nChannel 1: Alright. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":3.84,"end":4.34,"sentiment":"neutral","sentiment_score":0.043601613491773605}],"sentiment":"neutral","sentiment_score":0.043601613491773605,"channel":1,"num_words":1,"start":3.84,"end":4.34},{"sentences":[{"text":"Good morning.","start":5.12,"end":5.6,"sentiment":"neutral","sentiment_score":0.3005544990301132},{"text":"Is this Timothy?","start":5.6,"end":6.5,"sentiment":"neutral","sentiment_score":0.1830473691225052}],"sentiment":"neutral","sentiment_score":0.2300502210855484,"channel":0,"num_words":5,"start":5.12,"end":6.5},{"sentences":[{"text":"Yep.","start":7.12,"end":7.62,"sentiment":"neutral","sentiment_score":0.16194945573806763}],"sentiment":"neutral","sentiment_score":0.16194945573806763,"channel":1,"num_words":1,"start":7.12,"end":7.62},{"sentences":[{"text":"This is Veronica from Oakview Financial.","start":8.08,"end":10.179999,"sentiment":"neutral","sentiment_score":0.18336670845746994},{"text":"How are you?","start":10.24,"end":11.059999,"sentiment":"neutral","sentiment_score":0.19062172869841257}],"sentiment":"neutral","sentiment_score":0.18578504853778416,"channel":0,"num_words":9,"start":8.08,"end":11.059999},{"sentences":[{"text":"Good.","start":11.36,"end":11.599999,"sentiment":"positive","sentiment_score":0.5931839942932129},{"text":"Thanks.","start":11.599999,"end":12.099999,"sentiment":"positive","sentiment_score":0.6622275114059448}],"sentiment":"positive","sentiment_score":0.6277057528495789,"channel":1,"num_words":2,"start":11.36,"end":12.099999},{"sentences":[{"text":"I had you booked in for a bit of a catch up to go through the research I did on your net worth and your c bus to make sure everything is set up alright for you.","start":14.255,"end":23.555,"sentiment":"neutral","sentiment_score":0.32657506981411494},{"text":"Is","start":23.775,"end":24.015,"sentiment":"neutral","sentiment_score":0.11860524117946623}],"sentiment":"neutral","sentiment_score":0.32110217958688736,"channel":0,"num_words":38,"start":14.255,"end":24.015},{"sentences":[{"text":"Yes,","start":23.994999,"end":24.235,"sentiment":"neutral","sentiment_score":0.18397048115730288}],"sentiment":"neutral","sentiment_score":0.18397048115730288,"channel":1,"num_words":1,"start":23.994999,"end":24.235},{"sentences":[{"text":"now","start":24.015,"end":24.255001,"sentiment":"neutral","sentiment_score":0.1852692812681198}],"sentiment":"neutral","sentiment_score":0.1852692812681198,"channel":0,"num_words":1,"start":24.015,"end":24.255001},{"sentences":[{"text":"please.","start":24.235,"end":24.735,"sentiment":"neutral","sentiment_score":0.20068033039569855}],"sentiment":"neutral","sentiment_score":0.20068033039569855,"channel":1,"num_words":1,"start":24.235,"end":24.735},{"sentences":[{"text":"still a good time?","start":24.255001,"end":25.235,"sentiment":"neutral","sentiment_score":0.2624521218240261}],"sentiment":"neutral","sentiment_score":0.2624521218240261,"channel":0,"num_words":4,"start":24.255001,"end":25.235},{"sentences":[{"text":"Yeah.","start":25.515,"end":25.755001,"sentiment":"neutral","sentiment_score":0.20065751671791077},{"text":"That's fine.","start":25.755001,"end":26.575,"sentiment":"neutral","sentiment_score":0.2896374464035034}],"sentiment":"neutral","sentiment_score":0.2599774698416392,"channel":1,"num_words":3,"start":25.515,"end":26.575},{"sentences":[{"text":"Yep.","start":26.67,"end":27.17,"sentiment":"neutral","sentiment_score":0.2989981770515442},{"text":"Perfect.","start":27.23,"end":27.73,"sentiment":"positive","sentiment_score":0.4461730122566223},{"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 with you.","start":27.949999,"end":36.29,"sentiment":"neutral","sentiment_score":0.06553708413435567}],"sentiment":"neutral","sentiment_score":0.08414608477191492,"channel":0,"num_words":33,"start":26.67,"end":36.29},{"sentences":[{"text":"Yep.","start":36.79,"end":37.03,"sentiment":"neutral","sentiment_score":0.12237729877233504},{"text":"That's fine.","start":37.03,"end":37.77,"sentiment":"neutral","sentiment_score":0.22815952450037003}],"sentiment":"neutral","sentiment_score":0.19289878259102503,"channel":1,"num_words":3,"start":36.79,"end":37.77},{"sentences":[{"text":"Perfect.","start":38.215,"end":38.715,"sentiment":"positive","sentiment_score":0.4013674259185791},{"text":"Just for security purposes as well, just so that I can confirm I am speaking with the right person, could you just confirm full name, date of birth, and address, please?","start":39.254997,"end":48.235,"sentiment":"neutral","sentiment_score":0.13743157156052127}],"sentiment":"neutral","sentiment_score":0.1456795670092106,"channel":0,"num_words":32,"start":38.215,"end":48.235},{"sentences":[{"text":"It's Timothy Marshall Short.","start":49.015,"end":50.855,"sentiment":"neutral","sentiment_score":0.017776760738343},{"text":"Twenty nine twelve seventy three, and it's 87 Anderson Street, Webberton, WA.","start":50.855,"end":56.795,"sentiment":"neutral","sentiment_score":0.028457121457904577}],"sentiment":"neutral","sentiment_score":0.025787031278014183,"channel":1,"num_words":16,"start":49.015,"end":56.795},{"sentences":[{"text":"Yep.","start":57.43,"end":57.910004,"sentiment":"neutral","sentiment_score":0.14090698957443237},{"text":"Beautiful.","start":57.910004,"end":58.39,"sentiment":"positive","sentiment_score":0.435339629650116},{"text":"And how's your morning been so far?","start":58.39,"end":59.99,"sentiment":"neutral","sentiment_score":0.16606858053377696},{"text":"Been busy, or just kind of getting started?","start":59.99,"end":62.170002,"sentiment":"neutral","sentiment_score":0.017004543682560325}],"sentiment":"neutral","sentiment_score":0.11028017837773352,"channel":0,"num_words":17,"start":57.43,"end":62.170002},{"sentences":[{"text":"Just getting started.","start":62.75,"end":63.81,"sentiment":"neutral","sentiment_score":0.04808955267071724}],"sentiment":"neutral","sentiment_score":0.04808955267071724,"channel":1,"num_words":3,"start":62.75,"end":63.81},{"sentences":[{"text":"Yeah.","start":64.105,"end":64.505005,"sentiment":"neutral","sentiment_score":0.03459681198000908},{"text":"Well, I will try not to keep you for too long.","start":64.505005,"end":66.925,"sentiment":"neutral","sentiment_score":-0.05776220052079721},{"text":"Now it sounds like you're driving at the moment.","start":67.305,"end":69.385,"sentiment":"neutral","sentiment_score":-0.04499275444282426},{"text":"Is that right?","start":69.385,"end":70.285,"sentiment":"neutral","sentiment_score":-0.0020390326778093972}],"sentiment":"neutral","sentiment_score":-0.04215997007365028,"channel":0,"num_words":24,"start":64.105,"end":70.285},{"sentences":[{"text":"Yeah.","start":70.685,"end":71.085,"sentiment":"neutral","sentiment_score":-0.06104467809200287},{"text":"I'm just about to stop.","start":71.085,"end":73.185,"sentiment":"neutral","sentiment_score":-0.12076600193977356},{"text":"Sorry.","start":73.245,"end":73.745,"sentiment":"neutral","sentiment_score":-0.10198170691728592}],"sentiment":"neutral","sentiment_score":-0.10955091352973666,"channel":1,"num_words":7,"start":70.685,"end":73.745},{"sentences":[{"text":"Okay.","start":73.705,"end":74.205,"sentiment":"neutral","sentiment_score":-0.02592415921390057},{"text":"Because what I have done is I have you sent you an email with the recommendation.","start":75.689995,"end":80.189995,"sentiment":"neutral","sentiment_score":0.04184791701845825},{"text":"So let me know if you have the option","start":83.21,"end":85.61,"sentiment":"neutral","sentiment_score":0.07480271408955257}],"sentiment":"neutral","sentiment_score":0.050648728457207866,"channel":0,"num_words":26,"start":73.705,"end":85.61},{"sentences":[{"text":"Yep.","start":85.39001,"end":85.89001,"sentiment":"neutral","sentiment_score":0.03523837774991989}],"sentiment":"neutral","sentiment_score":0.03523837774991989,"channel":1,"num_words":1,"start":85.39001,"end":85.89001},{"sentences":[{"text":"of accessing them when you've stopped.","start":85.61,"end":88.67,"sentiment":"neutral","sentiment_score":0.027316874203582604},{"text":"Or if it's a bit tricky, I can always run through the recommendation with you.","start":89.284996,"end":93.445,"sentiment":"neutral","sentiment_score":0.05244116162260373},{"text":"And then when you have time, you can have a look through it.","start":93.445,"end":97.204994,"sentiment":"neutral","sentiment_score":0.08098735946875352},{"text":"It is up to you.","start":97.204994,"end":98.265,"sentiment":"neutral","sentiment_score":0.0966794654726982}],"sentiment":"neutral","sentiment_score":0.06376286333379073,"channel":0,"num_words":39,"start":85.61,"end":98.265},{"sentences":[{"text":"Yep.","start":99.79,"end":100.11,"sentiment":"neutral","sentiment_score":0.03338317200541496},{"text":"No.","start":100.11,"end":100.270004,"sentiment":"neutral","sentiment_score":0.011432027444243433},{"text":"That's fine.","start":100.270004,"end":101.090004,"sentiment":"neutral","sentiment_score":0.04359911195933819}],"sentiment":"neutral","sentiment_score":0.03300335584208369,"channel":1,"num_words":4,"start":99.79,"end":101.090004},{"sentences":[{"text":"Yep.","start":101.380005,"end":101.880005,"sentiment":"neutral","sentiment_score":0.07564689218997955},{"text":"Okay.","start":102.18,"end":102.5,"sentiment":"neutral","sentiment_score":0.09568449854850768},{"text":"So just let me know when you can access it, and I will let you know where I'm up to if that's alright.","start":102.5,"end":107.32,"sentiment":"neutral","sentiment_score":0.08811264193576315}],"sentiment":"neutral","sentiment_score":0.0879168862104416,"channel":0,"num_words":25,"start":101.380005,"end":107.32},{"sentences":[{"text":"Yep.","start":114.245,"end":114.645004,"sentiment":"neutral","sentiment_score":0.05583402141928673},{"text":"We'll cut all that.","start":114.645004,"end":115.705,"sentiment":"neutral","sentiment_score":0.046614957973361015}],"sentiment":"neutral","sentiment_score":0.048458770662546155,"channel":1,"num_words":5,"start":114.245,"end":115.705},{"sentences":[{"text":"Yeah.","start":115.875,"end":116.195,"sentiment":"neutral","sentiment_score":0.09835490584373474},{"text":"Okay.","start":116.195,"end":116.675,"sentiment":"neutral","sentiment_score":0.18266896903514865},{"text":"Perfect.","start":116.675,"end":117.155,"sentiment":"neutral","sentiment_score":0.2696259915828705},{"text":"So if you can click on the link where it says sign now, now it will allow you to actually open up and view the documents first before it prompts you to sign anything.","start":117.155,"end":126.775,"sentiment":"neutral","sentiment_score":0.17823471654863918}],"sentiment":"neutral","sentiment_score":0.17866568186798612,"channel":0,"num_words":37,"start":115.875,"end":126.775},{"sentences":[{"text":"Okay.","start":127.58,"end":128.06,"sentiment":"neutral","sentiment_score":0.08416019380092621},{"text":"Yep.","start":128.06,"end":128.56,"sentiment":"neutral","sentiment_score":0.0666123777627945}],"sentiment":"neutral","sentiment_score":0.07538628578186035,"channel":1,"num_words":2,"start":127.58,"end":128.56},{"sentences":[{"text":"Now let me know if you can see the cover page where it then says statement of advice prepared","start":129.26,"end":135.18,"sentiment":"neutral","sentiment_score":0.05123975539678022}],"sentiment":"neutral","sentiment_score":0.05123975539678022,"channel":0,"num_words":19,"start":129.26,"end":135.18},{"sentences":[{"text":"Yes.","start":135.035,"end":135.355,"sentiment":"neutral","sentiment_score":0.038074035197496414}],"sentiment":"neutral","sentiment_score":0.038074035197496414,"channel":1,"num_words":1,"start":135.035,"end":135.355},{"sentences":[{"text":"for","start":135.18,"end":135.5,"sentiment":"neutral","sentiment_score":0.03674761950969696}],"sentiment":"neutral","sentiment_score":0.03674761950969696,"channel":0,"num_words":1,"start":135.18,"end":135.5},{"sentences":[{"text":"I","start":135.355,"end":135.515,"sentiment":"neutral","sentiment_score":0.05831441283226013}],"sentiment":"neutral","sentiment_score":0.05831441283226013,"channel":1,"num_words":1,"start":135.355,"end":135.515},{"sentences":[{"text":"yourself.","start":135.5,"end":136.0,"sentiment":"neutral","sentiment_score":0.0744548887014389}],"sentiment":"neutral","sentiment_score":0.0744548887014389,"channel":0,"num_words":1,"start":135.5,"end":136.0},{"sentences":[{"text":"can.","start":135.515,"end":136.015,"sentiment":"neutral","sentiment_score":0.12042194604873656}],"sentiment":"neutral","sentiment_score":0.12042194604873656,"channel":1,"num_words":1,"start":135.515,"end":136.015},{"sentences":[{"text":"Yep.","start":136.14,"end":136.54,"sentiment":"neutral","sentiment_score":0.33220332860946655},{"text":"Beautiful.","start":136.54,"end":137.04,"sentiment":"positive","sentiment_score":0.670674204826355},{"text":"Now you will see on the cover page there as well my details.","start":137.26,"end":140.31999,"sentiment":"neutral","sentiment_score":0.24833945013009584},{"text":"So you will see my authorized representative number listed, and I am licensed under OPU Financial.","start":140.355,"end":146.61499,"sentiment":"neutral","sentiment_score":0.1298871706239879}],"sentiment":"neutral","sentiment_score":0.20353177790680238,"channel":0,"num_words":31,"start":136.14,"end":146.61499},{"sentences":[{"text":"Yes.","start":146.22,"end":146.72,"sentiment":"neutral","sentiment_score":0.11624743789434432}],"sentiment":"neutral","sentiment_score":0.11624743789434432,"channel":1,"num_words":1,"start":146.22,"end":146.72},{"sentences":[{"text":"And do you remember","start":147.155,"end":148.215,"sentiment":"neutral","sentiment_score":0.06368220783770084}],"sentiment":"neutral","sentiment_score":0.06368220783770084,"channel":0,"num_words":4,"start":147.155,"end":148.215},{"sentences":[{"text":"Yep.","start":147.82,"end":148.32,"sentiment":"neutral","sentiment_score":0.07871266454458237}],"sentiment":"neutral","sentiment_score":0.07871266454458237,"channel":1,"num_words":1,"start":147.82,"end":148.32},{"sentences":[{"text":"our conversation kind of following the annual review as well that I was going to have a bit of a review of your investments and check-in on C Bus","start":148.275,"end":156.38,"sentiment":"neutral","sentiment_score":0.0773702229148355}],"sentiment":"neutral","sentiment_score":0.0773702229148355,"channel":0,"num_words":29,"start":148.275,"end":156.38},{"sentences":[{"text":"Yes.","start":156.3,"end":156.8,"sentiment":"neutral","sentiment_score":0.05889665335416794}],"sentiment":"neutral","sentiment_score":0.05889665335416794,"channel":1,"num_words":1,"start":156.3,"end":156.8},{"sentences":[{"text":"as well.","start":156.38,"end":157.1,"sentiment":"neutral","sentiment_score":0.058195650577545166},{"text":"Do you kind of remember all that?","start":157.1,"end":158.62,"sentiment":"neutral","sentiment_score":0.03141935888145651},{"text":"Yeah.","start":158.62,"end":158.86,"sentiment":"neutral","sentiment_score":0.07698486745357513}],"sentiment":"neutral","sentiment_score":0.0413311680778861,"channel":0,"num_words":10,"start":156.38,"end":158.86},{"sentences":[{"text":"Yes.","start":158.675,"end":159.175,"sentiment":"neutral","sentiment_score":0.1332518756389618}],"sentiment":"neutral","sentiment_score":0.1332518756389618,"channel":1,"num_words":1,"start":158.675,"end":159.175},{"sentences":[{"text":"Okay.","start":158.86,"end":159.36,"sentiment":"neutral","sentiment_score":0.3191891312599182},{"text":"Beautiful.","start":159.58,"end":160.08,"sentiment":"positive","sentiment_score":0.64255690574646},{"text":"So I'll try to keep it quick for you today.","start":160.46,"end":163.04,"sentiment":"positive","sentiment_score":0.536740642786026},{"text":"As per usual, so on page two, it outlines that best interest duty, which is that mean we have to act in your best interest at all times when we are making recommendations or giving you any advice.","start":164.14,"end":177.555,"sentiment":"neutral","sentiment_score":0.18665249488855662},{"text":"And the recommendation itself has to put you in a better position as a result of the advice.","start":178.415,"end":183.59,"sentiment":"neutral","sentiment_score":0.2110466327932146}],"sentiment":"neutral","sentiment_score":0.25324686266043606,"channel":0,"num_words":68,"start":158.86,"end":183.59},{"sentences":[{"text":"Otherwise, we can't actually make the recommendation.","start":183.59,"end":185.69,"sentiment":"neutral","sentiment_score":-0.08886606778417315},{"text":"Does that make sense, Timothy?","start":185.83,"end":187.05,"sentiment":"neutral","sentiment_score":0.07085544690489769}],"sentiment":"neutral","sentiment_score":-0.022315436663726967,"channel":0,"num_words":12,"start":183.59,"end":187.05},{"sentences":[{"text":"Yep.","start":187.06,"end":187.46,"sentiment":"neutral","sentiment_score":0.13150371611118317},{"text":"That's fine.","start":187.46,"end":188.28,"sentiment":"neutral","sentiment_score":0.23322530090808868}],"sentiment":"neutral","sentiment_score":0.19931810597578684,"channel":1,"num_words":3,"start":187.06,"end":188.28},{"sentences":[{"text":"Yep.","start":188.07,"end":188.57,"sentiment":"neutral","sentiment_score":0.25721463561058044},{"text":"Beautiful.","start":188.79001,"end":189.29001,"sentiment":"positive","sentiment_score":0.49978023767471313},{"text":"Now as you scroll through, you will then see page three, scope of advice.","start":189.67,"end":195.795,"sentiment":"neutral","sentiment_score":0.10889551575694766},{"text":"Now you will see that there is 28 pages in this document.","start":196.25499,"end":199.375,"sentiment":"neutral","sentiment_score":0.053546747813622154},{"text":"A lot of it is","start":199.375,"end":200.17499,"sentiment":"neutral","sentiment_score":0.0808525413274765}],"sentiment":"neutral","sentiment_score":0.10085926588737604,"channel":0,"num_words":33,"start":188.07,"end":200.17499},{"sentences":[{"text":"Yeah.","start":200.05501,"end":200.55501,"sentiment":"neutral","sentiment_score":0.0985565334558487}],"sentiment":"neutral","sentiment_score":0.0985565334558487,"channel":1,"num_words":1,"start":200.05501,"end":200.55501},{"sentences":[{"text":"just compliant.","start":200.17499,"end":200.915,"sentiment":"neutral","sentiment_score":0.1563379019498825},{"text":"So I will try to get through it as quickly as I can because you are quite familiar with it just so I don't waste too much of your time.","start":201.135,"end":207.795,"sentiment":"neutral","sentiment_score":0.16334730982780457},{"text":"But to recap scope of advice and you also then not considered, that basically just factors in the areas we are looking at today.","start":208.07,"end":217.45001,"sentiment":"neutral","sentiment_score":0.07759903402378161},{"text":"So simply today, we are reviewing just your superannuation in net wealth and CEBAS to see if we needed to make any changes, and that was basically it.","start":217.59001,"end":227.00499,"sentiment":"neutral","sentiment_score":0.056594788895121644},{"text":"So I'm not really reviewing anything else for you today.","start":227.00499,"end":230.14499,"sentiment":"neutral","sentiment_score":-0.1422005072236061}],"sentiment":"neutral","sentiment_score":0.07700128651204262,"channel":0,"num_words":94,"start":200.17499,"end":230.14499},{"sentences":[{"text":"Literally just those things to make it nice and easy.","start":230.20499,"end":233.025,"sentiment":"neutral","sentiment_score":0.28239459842443465}],"sentiment":"neutral","sentiment_score":0.28239459842443465,"channel":0,"num_words":10,"start":230.20499,"end":233.025},{"sentences":[{"text":"Yep.","start":233.68,"end":234.08,"sentiment":"neutral","sentiment_score":0.09600045531988144},{"text":"No worries.","start":234.08,"end":234.81999,"sentiment":"neutral","sentiment_score":0.1185426265001297}],"sentiment":"neutral","sentiment_score":0.11102856944004695,"channel":1,"num_words":3,"start":233.68,"end":234.81999},{"sentences":[{"text":"Yep.","start":234.44499,"end":234.94499,"sentiment":"neutral","sentiment_score":0.16349010169506073},{"text":"Perfect.","start":235.20001,"end":235.70001,"sentiment":"positive","sentiment_score":0.379366934299469},{"text":"Now as you scroll through then as well, you will see a couple of pages about you, just some information from the fact find, some assets and liabilities","start":236.08,"end":247.06001,"sentiment":"neutral","sentiment_score":0.10375188982912473}],"sentiment":"neutral","sentiment_score":0.11493033170700073,"channel":0,"num_words":30,"start":234.44499,"end":247.06001},{"sentences":[{"text":"Yes.","start":246.985,"end":247.485,"sentiment":"neutral","sentiment_score":0.07449766993522644}],"sentiment":"neutral","sentiment_score":0.07449766993522644,"channel":1,"num_words":1,"start":246.985,"end":247.485},{"sentences":[{"text":"as well.","start":247.6,"end":248.42001,"sentiment":"neutral","sentiment_score":0.08982247486710548}],"sentiment":"neutral","sentiment_score":0.08982247486710548,"channel":0,"num_words":2,"start":247.6,"end":248.42001},{"sentences":[{"text":"Yep.","start":249.145,"end":249.645,"sentiment":"neutral","sentiment_score":0.07921160012483597}],"sentiment":"neutral","sentiment_score":0.07921160012483597,"channel":1,"num_words":1,"start":249.145,"end":249.645},{"sentences":[{"text":"And then that takes us through page nine, which is your current superannuation and insurances.","start":249.205,"end":254.185,"sentiment":"neutral","sentiment_score":0.059580983221530916},{"text":"Can you see where I'm up to?","start":254.325,"end":255.785,"sentiment":"neutral","sentiment_score":0.0836160486297948}],"sentiment":"neutral","sentiment_score":0.06722850403325124,"channel":0,"num_words":22,"start":249.205,"end":255.785},{"sentences":[{"text":"Yes.","start":255.785,"end":256.265,"sentiment":"neutral","sentiment_score":0.10044392198324203},{"text":"Yes.","start":256.265,"end":256.765,"sentiment":"neutral","sentiment_score":0.11414983868598938}],"sentiment":"neutral","sentiment_score":0.10729688033461571,"channel":1,"num_words":2,"start":255.785,"end":256.765},{"sentences":[{"text":"Yeah.","start":256.565,"end":256.965,"sentiment":"neutral","sentiment_score":0.17784875631332395},{"text":"Perfect.","start":256.965,"end":257.465,"sentiment":"positive","sentiment_score":0.39449071884155273},{"text":"Now you can see your current situation here at the moment.","start":257.685,"end":260.165,"sentiment":"neutral","sentiment_score":0.11264136670665308},{"text":"So you can obviously see your c birth account, and that was open for your insurances and then also your net worth where you do have majority of your CBAS.","start":260.165,"end":269.91,"sentiment":"neutral","sentiment_score":0.0670282756909728},{"text":"Underneath","start":270.69,"end":271.19,"sentiment":"neutral","sentiment_score":0.026774590834975243}],"sentiment":"neutral","sentiment_score":0.08747766751118681,"channel":0,"num_words":44,"start":256.565,"end":271.19},{"sentences":[{"text":"Yep.","start":270.85,"end":271.35,"sentiment":"neutral","sentiment_score":0.02550429664552212}],"sentiment":"neutral","sentiment_score":0.02550429664552212,"channel":1,"num_words":1,"start":270.85,"end":271.35},{"sentences":[{"text":"that, you can then see your CBAS insurances.","start":271.25,"end":273.59,"sentiment":"neutral","sentiment_score":0.03353779390454292},{"text":"So as","start":274.29,"end":274.69,"sentiment":"neutral","sentiment_score":0.029830116778612137}],"sentiment":"neutral","sentiment_score":0.032796258479356764,"channel":0,"num_words":10,"start":271.25,"end":274.69},{"sentences":[{"text":"Yes.","start":274.605,"end":275.105,"sentiment":"neutral","sentiment_score":0.03904563933610916}],"sentiment":"neutral","sentiment_score":0.03904563933610916,"channel":1,"num_words":1,"start":274.605,"end":275.105},{"sentences":[{"text":"per we kind of went through during the annual review.","start":274.69,"end":277.01,"sentiment":"neutral","sentiment_score":0.034769681468606},{"text":"You have life and PCD insurance within Cbus, and you can see the premiums and your sum insured and everything 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well?","start":291.43,"end":292.81,"sentiment":"neutral","sentiment_score":0.052515258391698204}],"sentiment":"neutral","sentiment_score":0.04054588403390801,"channel":0,"num_words":23,"start":284.535,"end":292.81},{"sentences":[{"text":"Yep.","start":292.8,"end":293.28,"sentiment":"neutral","sentiment_score":0.03781517595052719},{"text":"Yep.","start":293.28,"end":293.78,"sentiment":"neutral","sentiment_score":0.06148624047636986}],"sentiment":"neutral","sentiment_score":0.049650708213448524,"channel":1,"num_words":2,"start":292.8,"end":293.78},{"sentences":[{"text":"Yep.","start":293.50998,"end":294.00998,"sentiment":"neutral","sentiment_score":0.1585937142372131},{"text":"Perfect.","start":294.06998,"end":294.56998,"sentiment":"positive","sentiment_score":0.5924502611160278},{"text":"So pretty straightforward.","start":295.11,"end":296.00998,"sentiment":"positive","sentiment_score":0.5438410441080729},{"text":"Not making any changes to your risk profile.","start":296.06998,"end":298.22998,"sentiment":"neutral","sentiment_score":0.015892577823251486},{"text":"When we did discussing during the annual review, it is still suitable for you with the time frame you have until retirement and the goal of trying to maximize your growth in superannuation while you still have plenty of time until retirement.","start":298.22998,"end":311.165,"sentiment":"neutral","sentiment_score":0.2443628634015719}],"sentiment":"neutral","sentiment_score":0.23223541805689984,"channel":0,"num_words":55,"start":293.50998,"end":311.165},{"sentences":[{"text":"So 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worries.","start":317.73,"end":318.38998,"sentiment":"neutral","sentiment_score":0.07160131074488163}],"sentiment":"neutral","sentiment_score":0.06634261086583138,"channel":1,"num_words":3,"start":317.41,"end":318.38998},{"sentences":[{"text":"Yep.","start":318.68002,"end":319.08002,"sentiment":"neutral","sentiment_score":0.12811751663684845},{"text":"Perfect.","start":319.08002,"end":319.56003,"sentiment":"positive","sentiment_score":0.3716574907302856},{"text":"And now that then takes us to page 12 where it then says strategy recommendations.","start":319.56003,"end":326.06,"sentiment":"neutral","sentiment_score":0.11663743257522582},{"text":"Can you see 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that we change your employer contributions to be paid into Cbus.","start":343.69,"end":350.27,"sentiment":"neutral","sentiment_score":0.035742760739392705},{"text":"The only reason I have recommended that is because for Cbus, when the balance goes under 10 or sometimes even six, they there is a risk that your insurances can lapse.","start":350.88998,"end":366.02502,"sentiment":"neutral","sentiment_score":-0.19560201490117657}],"sentiment":"neutral","sentiment_score":-0.049953870233390235,"channel":0,"num_words":77,"start":328.68002,"end":366.02502},{"sentences":[{"text":"So they can get canceled, which we do not 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change your employer contributions back to CBAS.","start":384.935,"end":389.275,"sentiment":"neutral","sentiment_score":0.0351920435205102},{"text":"We will also do a smaller partial rollover from Netwealth to CBAS just to top up the balance in C Bus because, obviously, with market market fluctuations, it has fallen a little bit in C Bus for you.","start":389.895,"end":402.08002,"sentiment":"neutral","sentiment_score":-0.004813374755413909},{"text":"It is just the smallest amount, and that is simply just to give us that certainty with your insurances.","start":402.08002,"end":408.18002,"sentiment":"neutral","sentiment_score":0.07930737077013443},{"text":"Now","start":409.205,"end":409.685,"sentiment":"neutral","sentiment_score":0.07849384844303131}],"sentiment":"neutral","sentiment_score":0.02632103141190277,"channel":0,"num_words":72,"start":384.935,"end":409.685},{"sentences":[{"text":"Okay.","start":409.45,"end":409.95,"sentiment":"neutral","sentiment_score":0.11441753059625626}],"sentiment":"neutral","sentiment_score":0.11441753059625626,"channel":1,"num_words":1,"start":409.45,"end":409.95},{"sentences":[{"text":"what we will then do moving forward is each front annual review is that we will reassess how the balances are.","start":409.685,"end":417.22498,"sentiment":"neutral","sentiment_score":0.13455883129721596},{"text":"Because you will have contributions going into CBA, that balance will increase.","start":417.525,"end":422.10498,"sentiment":"neutral","sentiment_score":0.10561956061671178},{"text":"So what we 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Timothy?","start":439.86502,"end":440.68503,"sentiment":"neutral","sentiment_score":0.11806005984544754}],"sentiment":"neutral","sentiment_score":0.11806005984544754,"channel":0,"num_words":2,"start":439.86502,"end":440.68503},{"sentences":[{"text":"Yeah.","start":440.535,"end":440.77502,"sentiment":"neutral","sentiment_score":0.14171425998210907},{"text":"That's fine.","start":440.77502,"end":441.575,"sentiment":"neutral","sentiment_score":0.21864182502031326},{"text":"Yep.","start":441.575,"end":442.075,"sentiment":"neutral","sentiment_score":0.1492229700088501}],"sentiment":"neutral","sentiment_score":0.18205522000789642,"channel":1,"num_words":4,"start":440.535,"end":442.075},{"sentences":[{"text":"Yep.","start":441.785,"end":442.105,"sentiment":"neutral","sentiment_score":0.1480136215686798},{"text":"Okay.","start":442.105,"end":442.58502,"sentiment":"neutral","sentiment_score":0.275790274143219},{"text":"Beautiful.","start":442.58502,"end":443.08502,"sentiment":"positive","sentiment_score":0.4525971114635467},{"text":"Now, basically, what that looks like is if you scroll through for me, you will first see some advantages, disadvantages, and risks associated with the recommendation,","start":443.46503,"end":453.37,"sentiment":"neutral","sentiment_score":0.00464747201364774}],"sentiment":"neutral","sentiment_score":0.03438742343207885,"channel":0,"num_words":29,"start":441.785,"end":453.37},{"sentences":[{"text":"Yep.","start":454.47,"end":454.97,"sentiment":"neutral","sentiment_score":0.017065197229385376}],"sentiment":"neutral","sentiment_score":0.017065197229385376,"channel":1,"num_words":1,"start":454.47,"end":454.97},{"sentences":[{"text":"which I will go through with you.","start":454.47,"end":456.81,"sentiment":"neutral","sentiment_score":0.02751149290374347},{"text":"But I often find that the best way to look at it is if you want to scroll down through page 19, you should see a table where it says fee 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side.","start":476.85,"end":483.11,"sentiment":"neutral","sentiment_score":0.3157607478400071},{"text":"So you can see here your current position.","start":483.41,"end":485.49,"sentiment":"neutral","sentiment_score":0.18452879413962364}],"sentiment":"neutral","sentiment_score":0.2813457088811057,"channel":0,"num_words":35,"start":475.49,"end":485.49},{"sentences":[{"text":"You can see your current balance in net worth, your current balance in Cebas.","start":485.49,"end":489.27,"sentiment":"neutral","sentiment_score":0.162133694759437},{"text":"You can see contributions currently into Netwealth, insurance premium from Cebus.","start":489.755,"end":494.495,"sentiment":"neutral","sentiment_score":0.142813386564905},{"text":"You can see the total cost of everything as well as 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Cebus.","start":499.115,"end":504.895,"sentiment":"neutral","sentiment_score":0.14043419914586203}],"sentiment":"neutral","sentiment_score":0.14043419914586203,"channel":0,"num_words":14,"start":499.115,"end":504.895},{"sentences":[{"text":"Yep.","start":505.825,"end":506.30502,"sentiment":"neutral","sentiment_score":0.08248011767864227}],"sentiment":"neutral","sentiment_score":0.08248011767864227,"channel":1,"num_words":1,"start":505.825,"end":506.30502},{"sentences":[{"text":"Now","start":506.06998,"end":506.56998,"sentiment":"neutral","sentiment_score":0.10005728900432588}],"sentiment":"neutral","sentiment_score":0.10005728900432588,"channel":0,"num_words":1,"start":506.06998,"end":506.56998},{"sentences":[{"text":"No worries.","start":506.30502,"end":507.125,"sentiment":"neutral","sentiment_score":0.1040303148329258}],"sentiment":"neutral","sentiment_score":0.1040303148329258,"channel":1,"num_words":2,"start":506.30502,"end":507.125},{"sentences":[{"text":"on the other side, you can then see the recommendation.","start":506.62997,"end":509.84998,"sentiment":"neutral","sentiment_score":0.07653190419077874},{"text":"So you can see here that I have recommended just to top up CEVA just to 10,000.","start":509.99,"end":514.07,"sentiment":"neutral","sentiment_score":0.1411286176127546},{"text":"We just want the minimum, but we don't wanna risk those insurances.","start":514.07,"end":517.76996,"sentiment":"neutral","sentiment_score":-0.0033518690615892397},{"text":"So, obviously, tiny bit less in net worth for the time being.","start":518.685,"end":521.985,"sentiment":"neutral","sentiment_score":-0.03744269690165917},{"text":"And, also, I have recommended that we change some of your investments, which I will go through with you shortly.","start":523.405,"end":528.465,"sentiment":"neutral","sentiment_score":0.20014140680432319}],"sentiment":"neutral","sentiment_score":0.0940535054345366,"channel":0,"num_words":71,"start":506.62997,"end":528.465},{"sentences":[{"text":"But, basically,","start":529.085,"end":529.825,"sentiment":"neutral","sentiment_score":0.30400362610816956}],"sentiment":"neutral","sentiment_score":0.30400362610816956,"channel":0,"num_words":2,"start":529.085,"end":529.825},{"sentences":[{"text":"Yep.","start":529.41504,"end":529.91504,"sentiment":"positive","sentiment_score":0.42505213618278503}],"sentiment":"positive","sentiment_score":0.42505213618278503,"channel":1,"num_words":1,"start":529.41504,"end":529.91504},{"sentences":[{"text":"by doing that so mainly because we are changing investments, you will see that you are saving a little bit of fees per year, which is great.","start":529.965,"end":539.66,"sentiment":"positive","sentiment_score":0.5773953353917157},{"text":"So about a $164 in fees.","start":539.66,"end":542.64,"sentiment":"neutral","sentiment_score":0.03916406569381555},{"text":"The biggest thing is the return on the new portfolio in Netwealth.","start":544.06,"end":547.985,"sentiment":"neutral","sentiment_score":0.20004497344295183},{"text":"So CEVA space is the same about the changes in Netwealth.","start":547.985,"end":551.365,"sentiment":"neutral","sentiment_score":0.1798512800173326},{"text":"Now using the same five year rolling average, you can actually see the difference here of about 13.55%, which you can see is a 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Timothy?","start":571.89,"end":573.19,"sentiment":"neutral","sentiment_score":0.15896027982234956}],"sentiment":"positive","sentiment_score":0.36455409675836564,"channel":0,"num_words":30,"start":561.41003,"end":573.19},{"sentences":[{"text":"Yep.","start":573.92,"end":574.32,"sentiment":"neutral","sentiment_score":0.15613135695457458},{"text":"That's fine.","start":574.32,"end":575.06,"sentiment":"neutral","sentiment_score":0.28289178013801575}],"sentiment":"neutral","sentiment_score":0.24063830574353537,"channel":1,"num_words":3,"start":573.92,"end":575.06},{"sentences":[{"text":"Yep.","start":574.825,"end":575.30505,"sentiment":"neutral","sentiment_score":0.310131311416626},{"text":"Perfect.","start":575.30505,"end":575.80505,"sentiment":"positive","sentiment_score":0.4625478684902191},{"text":"Now the the one thing I do wanna let you know is that when we are chopping and changing investments and when we are selling investments, there will be some capital gains tax on those 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chart?","start":730.14496,"end":731.76495,"sentiment":"neutral","sentiment_score":0.06239591645342963}],"sentiment":"neutral","sentiment_score":0.06700551137328148,"channel":0,"num_words":12,"start":728.06494,"end":731.76495},{"sentences":[{"text":"Yes.","start":731.61,"end":732.105,"sentiment":"neutral","sentiment_score":0.10646450519561768}],"sentiment":"neutral","sentiment_score":0.10646450519561768,"channel":1,"num_words":1,"start":731.61,"end":732.105},{"sentences":[{"text":"Yep.","start":732.96,"end":733.28,"sentiment":"neutral","sentiment_score":0.19375555217266083},{"text":"Beautiful.","start":733.28,"end":733.78,"sentiment":"positive","sentiment_score":0.40279170870780945},{"text":"So like I said earlier, we're not changing your risk profile.","start":734.08,"end":737.38,"sentiment":"neutral","sentiment_score":0.05033205957575278},{"text":"The benchmark is around ninety ten.","start":737.92,"end":740.96,"sentiment":"neutral","sentiment_score":0.005523064328978459},{"text":"So 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growth portfolio.","start":750.295,"end":770.20996,"sentiment":"neutral","sentiment_score":0.07839078007748833},{"text":"So that basically shows this for you.","start":770.35,"end":772.29,"sentiment":"neutral","sentiment_score":0.09262720389025551}],"sentiment":"neutral","sentiment_score":0.07969829874734084,"channel":0,"num_words":84,"start":741.68,"end":772.29},{"sentences":[{"text":"Yep.","start":772.83,"end":773.31,"sentiment":"neutral","sentiment_score":0.07021935284137726},{"text":"Yep.","start":773.31,"end":773.81,"sentiment":"neutral","sentiment_score":0.0598127506673336}],"sentiment":"neutral","sentiment_score":0.06501605175435543,"channel":1,"num_words":2,"start":772.83,"end":773.81},{"sentences":[{"text":"Yep.","start":773.70996,"end":774.11,"sentiment":"neutral","sentiment_score":0.06735030561685562},{"text":"Now the the last thing is then on page 16.","start":774.11,"end":777.455,"sentiment":"neutral","sentiment_score":0.04440467283129692},{"text":"If you can scroll up for 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the true ones we are adding to your portfolio is the bottom two, which","start":831.72003,"end":837.09503,"sentiment":"neutral","sentiment_score":0.047335294634103776}],"sentiment":"neutral","sentiment_score":0.014904085827885934,"channel":0,"num_words":53,"start":814.075,"end":837.09503},{"sentences":[{"text":"Okay.","start":837.06995,"end":837.56995,"sentiment":"neutral","sentiment_score":0.020994605496525764}],"sentiment":"neutral","sentiment_score":0.020994605496525764,"channel":1,"num_words":1,"start":837.06995,"end":837.56995},{"sentences":[{"text":"is your Vanguard All World, but it does exclude The US because you already have quite a bit of exposure to The US in the iShares S and P 500, which is just that one investment line above it.","start":837.09503,"end":849.63,"sentiment":"neutral","sentiment_score":0.018099527567242965},{"text":"So we wanna make sure that your portfolio overall is very 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speaking with you soon again.","start":1068.815,"end":1070.275,"sentiment":"positive","sentiment_score":0.6381363769372305}],"sentiment":"positive","sentiment_score":0.6381363769372305,"channel":0,"num_words":6,"start":1068.815,"end":1070.275},{"sentences":[{"text":"Alright.","start":1069.969,"end":1070.469,"sentiment":"neutral","sentiment_score":0.3043102025985718},{"text":"Bye.","start":1071.569,"end":1072.069,"sentiment":"neutral","sentiment_score":0.23618583381175995}],"sentiment":"neutral","sentiment_score":0.27024801820516586,"channel":1,"num_words":2,"start":1069.969,"end":1072.069},{"sentences":[{"text":"Bye.","start":1071.9349,"end":1072.4349,"sentiment":"neutral","sentiment_score":-0.12212616950273514}],"sentiment":"neutral","sentiment_score":-0.12212616950273514,"channel":0,"num_words":1,"start":1071.9349,"end":1072.4349}]},"summary":{"result":"success","short":"Representatives from Oakview Financial and Oakview Financial discuss Timothy's investment and risk profile, recommending changes to employer contributions, reassessing risk profiles, and emphasizing minimizing fees and changing investments. They also provide recommendations for investment opportunities and emphasize the importance of avoiding capital gains tax. The agents reassess risk profiles, recommend changing investments, and provide recommendations for investment opportunities. They also provide information on asset allocation and offer to update the customer's information and provide a contribution form."},"intents":{"segments":[{"text":"I had you booked in for a bit of a catch up to go through the research I did on your net worth and your c bus to make sure everything is set up alright for you.","start_word":18,"end_word":54,"intents":[{"intent":"Ensure readiness","confidence_score":0.00027971782},{"intent":"Get quote","confidence_score":0.00002457786}]},{"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 with you. Yep.","start_word":68,"end_word":99,"intents":[{"intent":"Provide courtesy","confidence_score":0.000020338852}]},{"text":"Just for security purposes as well, just so that I can confirm I am speaking with the right person, could you just confirm full name, date of birth, and address, please? It's Timothy Marshall Short.","start_word":103,"end_word":137,"intents":[{"intent":"Confirm identity","confidence_score":0.67843544},{"intent":"Confirm identity","confidence_score":0.3445113},{"intent":"Confirm understanding","confidence_score":0.050900083},{"intent":"Confirm correct person","confidence_score":0.00025801602},{"intent":"Provide information","confidence_score":0.115240276}]},{"text":"We'll cut all that. Yeah. Okay.","start_word":297,"end_word":302,"intents":[{"intent":"End conversation","confidence_score":0.012993436}]},{"text":"So if you can click on the link where it says sign now, now it will allow you to actually open up and view the documents first before it prompts you to sign anything. Okay.","start_word":304,"end_word":338,"intents":[{"intent":"Access documents","confidence_score":0.09504608}]},{"text":"our conversation kind of following the annual review as well that I was going to have a bit of a review of your investments and check-in on C Bus Yes. as well.","start_word":401,"end_word":432,"intents":[{"intent":"Review investments","confidence_score":0.04258272}]},{"text":"So what I actually have recommended now, typically, when we are retaining a fund for insurance purposes, we we wanna maintain contributions in through that account. So what I have recommended is just that we change your employer contributions to be paid into Cbus.","start_word":936,"end_word":979,"intents":[{"intent":"Advise cbus to maintain contributions","confidence_score":0.000116849194}]},{"text":"So what I have recommended is just that we change your employer contributions to be paid into Cbus.","start_word":962,"end_word":979,"intents":[{"intent":"Recommend change in employer contributions","confidence_score":0.008690492}]},{"text":"So No worries.","start_word":1065,"end_word":1067,"intents":[{"intent":"Ensure protection of cbus","confidence_score":0.000009910361}]},{"text":"what I have recommended is we we change your employer contributions back to CBAS. We will also do a smaller partial rollover from Netwealth to CBAS just to top up the balance in C Bus because, obviously, with market market fluctuations, it has fallen a little bit in C Bus for you.","start_word":1068,"end_word":1119,"intents":[{"intent":"Confirm removal of employer contributions","confidence_score":0.00056388864}]},{"text":"what we will then do moving forward is each front annual review is that we will reassess how the balances are.","start_word":1141,"end_word":1161,"intents":[{"intent":"Reassessing balances","confidence_score":0.0030959223}]},{"text":"Does that all make Yep.","start_word":1237,"end_word":1241,"intents":[{"intent":"Utilizing ceva for networth","confidence_score":0.000005750481}]},{"text":"Now, basically, what that looks like is if you scroll through for me, you will first see some advantages, disadvantages, and risks associated with the recommendation, which Yep. I will go through with you. But I often find that the best way to look at it is if you want to scroll down through page 19, you should see a table where it says fee comparison. Yes.","start_word":1251,"end_word":1317,"intents":[{"intent":"Discussing fee comparison","confidence_score":0.009414361},{"intent":"Comparing fee comparison","confidence_score":0.021392984}]},{"text":"You can see the total cost of everything as well as well Yep. as the five year rolling average on your current portfolio in Netwealth and Cebus.","start_word":1378,"end_word":1404,"intents":[{"intent":"Comparing portfolio costs","confidence_score":0.037540887}]},{"text":"on the other side, you can then see the recommendation. So you can see here that I have recommended just to top up CEVA just to 10,000. We just want the minimum, but we don't wanna risk those insurances. So, obviously, tiny bit less in net worth for the time being.","start_word":1409,"end_word":1459,"intents":[{"intent":"Comparing ceva to cebu","confidence_score":0.014380329},{"intent":"Recommending avoiding risk","confidence_score":0.031112865},{"intent":"Recommending doubling contribution amounts","confidence_score":0.0000017643788},{"intent":"Recommending reducing net worth for future comparison","confidence_score":1.4408255e-7}]},{"text":"on the other side, you can then see the recommendation. So you can see here that I have recommended just to top up CEVA just to 10,000. We just want the minimum, but we don't wanna risk those insurances. So, obviously, tiny bit less in net worth for the time being. And, also, I have recommended that we change some of your investments, which I will go through with you shortly. But, basically, Yep.","start_word":1409,"end_word":1482,"intents":[{"intent":"Recommending recommending investments","confidence_score":0.0036099714}]},{"text":"by doing that so mainly because we are changing investments, you will see that you are saving a little bit of fees per year, which is great.","start_word":1483,"end_word":1509,"intents":[{"intent":"Proposing recurring fees","confidence_score":0.000061477585}]},{"text":"Now the the one thing I do wanna let you know is that when we are chopping and changing investments and when we are selling investments, there will be some capital gains tax on those investments. Now that is paid from super, so not something you have to pay for yourself. And we've Okay.","start_word":1600,"end_word":1653,"intents":[{"intent":"Explain reason for portfolio change","confidence_score":0.0000071662757}]},{"text":"Now that one here then shows you the recommendations I have made in regards to your investments.","start_word":2181,"end_word":2197,"intents":[{"intent":"Analyze portfolio recommendations","confidence_score":0.31463346}]},{"text":"So we wanna make sure that your portfolio overall is very diversified. We don't want too much in just one industry or sector either. Does that make sense?","start_word":2354,"end_word":2381,"intents":[{"intent":"Promote portfolio diversification","confidence_score":0.012936914}]},{"text":"And then does it allow you to validate it, or what does it say now? that.","start_word":2691,"end_word":2706,"intents":[{"intent":"Validate document","confidence_score":0.12139865}]},{"text":"Now this document is saved in the Odisign there for you if you ever wanna go back and have a read over it. There was also a appendix attached, which is just that the research is all there for you. So if you wanted to when whenever you had some time, wanted to read up on the investments in more detail, all the research and everything is there for you. If you Yep.","start_word":2800,"end_word":2872,"intents":[{"intent":"Share research information","confidence_score":0.009450929}]},{"text":"will also get the team to send you the the contribution form just so we can change those contributions. So all you gotta do is then just pass that on to the employer, and we'll keep a lookout of things just to make sure that's all transferred correctly for you. Yep.","start_word":2941,"end_word":2991,"intents":[{"intent":"Update contribution form","confidence_score":0.07992991}]}]},"sentiments":{"segments":[{"text":"Hello? Good morning. Is this Timothy? Yep. This is Veronica from Oakview Financial. How are you?","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.18417929112911224},{"text":"Good. Thanks.","start_word":16,"end_word":17,"sentiment":"positive","sentiment_score":0.6277057528495789},{"text":"I had you booked in for a bit of a catch up to go through the research I did on your net worth and your c bus to make sure everything is set up alright for you. Is Yes, now please. still a good time? Yeah. That's fine. Yep.","start_word":18,"end_word":66,"sentiment":"neutral","sentiment_score":0.2962864339351654},{"text":"Perfect.","start_word":67,"end_word":67,"sentiment":"positive","sentiment_score":0.4461730122566223},{"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 with you. Yep. That's fine.","start_word":68,"end_word":101,"sentiment":"neutral","sentiment_score":0.08844726532697678},{"text":"Perfect.","start_word":102,"end_word":102,"sentiment":"positive","sentiment_score":0.4013674259185791},{"text":"Just for security purposes as well, just so that I can confirm I am speaking with the right person, could you just confirm full name, date of birth, and address, please? It's Timothy Marshall Short. Twenty nine twelve seventy three, and it's 87 Anderson Street, Webberton, WA. Yep.","start_word":103,"end_word":150,"sentiment":"neutral","sentiment_score":0.08859658986330032},{"text":"Beautiful.","start_word":151,"end_word":151,"sentiment":"positive","sentiment_score":0.435339629650116},{"text":"And how's your morning been so far? Been busy, or just kind of getting started? Just getting started. Yeah. Well, I will try not to keep you for too long. Now it sounds like you're driving at the moment. Is that right? Yeah. I'm just about to stop. Sorry. Okay. Because what I have done is I have you sent you an email with the recommendation. So let me know if you have the option Yep. of accessing them when you've stopped. Or if it's a bit tricky, I can always run through the recommendation with you. And then when you have time, you can have a look through it. It is up to you. Yep. No. That's fine. Yep. Okay. So just let me know when you can access it, and I will let you know where I'm up to if that's alright. Yep. We'll cut all that. Yeah. Okay. Perfect. So if you can click on the link where it says sign now, now it will allow you to actually open up and view the documents first before it prompts you to sign anything. Okay. Yep. Now let me know if you can see the cover page where it then says statement of advice prepared Yes. for I yourself. can. Yep.","start_word":152,"end_word":364,"sentiment":"neutral","sentiment_score":0.06466725111847192},{"text":"Beautiful.","start_word":365,"end_word":365,"sentiment":"positive","sentiment_score":0.670674204826355},{"text":"Now you will see on the cover page there as well my details. So you will see my authorized representative number listed, and I am licensed under OPU Financial. Yes. And do you remember Yep. our conversation kind of following the annual review as well that I was going to have a bit of a review of your investments and check-in on C Bus Yes. as well. Do you kind of remember all that? Yeah. Yes. Okay.","start_word":366,"end_word":442,"sentiment":"neutral","sentiment_score":0.11550667881965636},{"text":"Beautiful. So I'll try to keep it quick for you today.","start_word":443,"end_word":453,"sentiment":"positive","sentiment_score":0.546665370464325},{"text":"As per usual, so on page two, it outlines that best interest duty, which is that mean we have to act in your best interest at all times when we are making recommendations or giving you any advice. And the recommendation itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation. Does that make sense, Timothy? Yep. That's fine. Yep.","start_word":454,"end_word":525,"sentiment":"neutral","sentiment_score":0.1536848545074463},{"text":"Beautiful.","start_word":526,"end_word":526,"sentiment":"positive","sentiment_score":0.49978023767471313},{"text":"Now as you scroll through, you will then see page three, scope of advice. Now you will see that there is 28 pages in this document. A lot of it is Yeah. just compliant. So I will try to get through it as quickly as I can because you are quite familiar with it just so I don't waste too much of your time. But to recap scope of advice and you also then not considered, that basically just factors in the areas we are looking at today. So simply today, we are reviewing just your superannuation in net wealth and CEBAS to see if we needed to make any changes, and that was basically it. So I'm not really reviewing anything else for you today. Literally just those things to make it nice and easy. Yep. No worries. Yep.","start_word":527,"end_word":666,"sentiment":"neutral","sentiment_score":0.09111978858709335},{"text":"Perfect.","start_word":667,"end_word":667,"sentiment":"positive","sentiment_score":0.379366934299469},{"text":"Now as you scroll through then as well, you will see a couple of pages about you, just some information from the fact find, some assets and liabilities Yes. as well. Yep. And then that takes us through page nine, which is your current superannuation and insurances. Can you see where I'm up to? Yes. Yes. Yeah.","start_word":668,"end_word":724,"sentiment":"neutral","sentiment_score":0.08856019377708435},{"text":"Perfect.","start_word":725,"end_word":725,"sentiment":"positive","sentiment_score":0.39449071884155273},{"text":"Now you can see your current situation here at the moment. So you can obviously see your c birth account, and that was open for your insurances and then also your net worth where you do have majority of your CBAS. Underneath Yep. that, you can then see your CBAS insurances. So as Yes. per we kind of went through during the annual review. You have life and PCD insurance within Cbus, and you can see the premiums and your sum insured and everything there. Yep. Now that then takes us to your risk profile on page 10 where it says high growth. Can you see that as well? Yep. Yep. Yep.","start_word":726,"end_word":837,"sentiment":"neutral","sentiment_score":0.05713824528668608},{"text":"Perfect. So pretty straightforward.","start_word":838,"end_word":841,"sentiment":"positive","sentiment_score":0.5534965991973877},{"text":"Not making any changes to your risk profile. When we did discussing during the annual review, it is still suitable for you with the time frame you have until retirement and the goal of trying to maximize your growth in superannuation while you still have plenty of time until retirement. So we're Yep. not making any changes to your your risk of volatility or anything like that. Okay. No worries. Yep.","start_word":842,"end_word":912,"sentiment":"neutral","sentiment_score":0.12764477729797363},{"text":"Perfect.","start_word":913,"end_word":913,"sentiment":"positive","sentiment_score":0.3716574907302856},{"text":"And now that then takes us to page 12 where it then says strategy recommendations. Can you see that? Yes. Yep. Perfect. So what I actually have recommended now, typically, when we are retaining a fund for insurance purposes, we we wanna maintain contributions in through that account. So what I have recommended is just that we change your employer contributions to be paid into Cbus. The only reason I have recommended that is because for Cbus, when the balance goes under 10 or sometimes even six, they there is a risk that your insurances can lapse. So they can get canceled, which we do not want. Okay. And if it's also inactive in their mind, meaning that you don't have contributions continuously going into that account, again, they can cancel it. So we wanna make sure we avoid all of that because we wanna keep those insurances for you. Yep. So No worries. what I have recommended is we we change your employer contributions back to CBAS. We will also do a smaller partial rollover from Netwealth to CBAS just to top up the balance in C Bus because, obviously, with market market fluctuations, it has fallen a little bit in C Bus for you. It is just the smallest amount, and that is simply just to give us that certainty with your insurances. Now Okay. what we will then do moving forward is each front annual review is that we will reassess how the balances are. Because you will have contributions going into CBA, that balance will increase. So what we will then do is we will do kind of gradual rollovers from CEVA into Netwealth if it is going to be the best option for you because we want to make sure that you have the most amount of money in the fund that's going to give you the most amount of growth, which is net worth at the moment. Does that all make Yep. sense, Timothy? Yeah. That's fine. Yep. Yep. Okay.","start_word":914,"end_word":1249,"sentiment":"neutral","sentiment_score":0.029947665120874132},{"text":"Beautiful.","start_word":1250,"end_word":1250,"sentiment":"positive","sentiment_score":0.4525971114635467},{"text":"Now, basically, what that looks like is if you scroll through for me, you will first see some advantages, disadvantages, and risks associated with the recommendation, which Yep. I will go through with you. But I often find that the best way to look at it is if you want to scroll down through page 19, you should see a table where it says fee comparison. Yes. Yes. Okay.","start_word":1251,"end_word":1319,"sentiment":"neutral","sentiment_score":0.02580704726278782},{"text":"Perfect.","start_word":1320,"end_word":1320,"sentiment":"positive","sentiment_score":0.4673228859901428},{"text":"Now this just is sometimes easier to look at because it kind of gives you, like, a a bigger picture from the numbers side. So you can see here your current position. You can see your current balance in net worth, your current balance in Cebas. You can see contributions currently into Netwealth, insurance premium from Cebus. You can see the total cost of everything as well as well Yep. as the five year rolling average on your current portfolio in Netwealth and Cebus. Yep. Now No worries. on the other side, you can then see the recommendation. So you can see here that I have recommended just to top up CEVA just to 10,000. We just want the minimum, but we don't wanna risk those insurances. So, obviously, tiny bit less in net worth for the time being. And, also, I have recommended that we change some of your investments, which I will go through with you shortly.","start_word":1321,"end_word":1479,"sentiment":"neutral","sentiment_score":0.14788980782032013},{"text":"But, basically, Yep. by doing that so mainly because we are changing investments, you will see that you are saving a little bit of fees per year, which is great.","start_word":1480,"end_word":1509,"sentiment":"positive","sentiment_score":0.5408977270126343},{"text":"So about a $164 in fees. The biggest thing is the return on the new portfolio in Netwealth. So CEVA space is the same about the changes in Netwealth. Now using the same five year rolling average, you can actually see the difference here of about 13.55%, which you can see is a difference Okay.","start_word":1510,"end_word":1564,"sentiment":"neutral","sentiment_score":0.14062267541885376},{"text":"of about 2.04% better, which means that the recommended portfolio over that five year time frame has performed better than your current investment portfolio network.","start_word":1565,"end_word":1589,"sentiment":"positive","sentiment_score":0.4042581617832184},{"text":"Does that make sense, Timothy? Yep. That's fine. Yep.","start_word":1590,"end_word":1598,"sentiment":"neutral","sentiment_score":0.218263179063797},{"text":"Perfect.","start_word":1599,"end_word":1599,"sentiment":"positive","sentiment_score":0.4625478684902191},{"text":"Now the the one thing I do wanna let you know is that when we are chopping and changing investments and when we are selling investments, there will be some capital gains tax on those investments. Now that is paid from super, so not something you have to pay for yourself. And we've Okay. tried to minimize that as much as possible for you when I have recommended the changes to what we want to do. Yep. So on the top row here, you can see the balance, and you see the difference of 511. Can you see that? Yes. Yep. That is the estimated capital gains tax from just swapping some of your investments out. So it's Okay. not too big, which is good, but something I do wanna just let you know so that you are aware. Yep. No. That's fine. Yep. Perfect. Now part of the research as well, I did consider a lot of other options. I researched a lot of different super funds for you as well just to make sure that the current arrangement is the best for you. And at the moment, it's still very much is. Netwealth is very competitive when it comes to their their fees, their features, and investment choices. And Ceva's obviously have your insurances, which is great. And moving you to another super fund just wasn't worth it from a fee for network that's exactly the same thing, and that would trigger a pretty high capital gains tax, which we want to avoid. Okay. So everything Yep.","start_word":1600,"end_word":1858,"sentiment":"neutral","sentiment_score":-0.011658134870231152},{"text":"is doing pretty good for you.","start_word":1859,"end_word":1864,"sentiment":"positive","sentiment_score":0.5512733459472656},{"text":"Now on the next page, which is page 20, you can then see kind of forecasted and compounding those small changes with the investments on a five and ten year time frame. So Yep. even though it might look fairly small when it comes to the return, because, obviously, your balance is still pretty decent, it all compounds and add up.","start_word":1865,"end_word":1925,"sentiment":"neutral","sentiment_score":0.1904010323227429},{"text":"And over that five and ten years, it does make a pretty big difference.","start_word":1926,"end_word":1939,"sentiment":"positive","sentiment_score":0.4169147312641144},{"text":"Yep. Yep. Yep. Now underneath that, you can then also see a bit more on the return. So you can see your current net wealth and the recommended net wealth, and you can also see your c bus, the twelve, Yeah. three, and the five year.","start_word":1940,"end_word":1985,"sentiment":"neutral","sentiment_score":0.1876288801431656},{"text":"And you can see that across all three time frames, the recommended net wealth portfolio has outperformed both of them.","start_word":1986,"end_word":2005,"sentiment":"positive","sentiment_score":0.34631073474884033},{"text":"Yep. No.","start_word":2006,"end_word":2007,"sentiment":"neutral","sentiment_score":0.180742546916008},{"text":"That's Yep. good. Pretty straightforward. Alright. Perfect.","start_word":2008,"end_word":2014,"sentiment":"positive","sentiment_score":0.4662809371948242},{"text":"Yeah. Now if you can just scroll up for me to page 18, and there's not too much more to go, it just Yep. shows you the asset allocation. Can you see that little pie chart? Yes. Yep.","start_word":2015,"end_word":2052,"sentiment":"neutral","sentiment_score":0.09328096359968184},{"text":"Beautiful.","start_word":2053,"end_word":2053,"sentiment":"positive","sentiment_score":0.40279170870780945},{"text":"So like I said earlier, we're not changing your risk profile. The benchmark is around ninety ten. So 90 Yes. growth, 10 defensive, but it can range up through up to a 100, but we wanna make sure we have some defensive elements. So you can actually see that your existing portfolio and that the comparison to the proposed or proposed ones is a little bit less growth, still very much so aligning with the risk profile, increasing that defensive just a tiny bit, but not increasing any risk and still aligning with your high growth portfolio. So that basically shows this for you. Yep. Yep. Yep. Now the the last thing is then on page 16. If you can scroll up for me. Yes. Yep.","start_word":2054,"end_word":2179,"sentiment":"neutral","sentiment_score":0.06742635369300842},{"text":"Perfect.","start_word":2180,"end_word":2180,"sentiment":"positive","sentiment_score":0.3669803738594055},{"text":"Now that one here then shows you the recommendations I have made in regards to your investments. So you can see here your investment name first. You can see the little ticket code. You can see the current weight, what that looks like from a balance point of view, and then the buy and sell columns. The buy and sell column shows you that what it is highlighted in red is what we are selling, and then what's in Okay. black is what we are either keeping in your portfolio or adding to your portfolio. So that you can see there's not too many changes. The only investment we are completely selling out of is the iShares miscue. And the true ones we are adding to your portfolio is the bottom two, which Okay. is your Vanguard All World, but it does exclude The US because you already have quite a bit of exposure to The US in the iShares S and P 500, which is just that one investment line above it. So we wanna make sure that your portfolio overall is very diversified. We don't want too much in just one industry or sector either. Does that make sense? Yes. Yeah. That's Yep. fine. Yep. Yep.","start_word":2181,"end_word":2388,"sentiment":"neutral","sentiment_score":0.07250559140140048},{"text":"Beautiful.","start_word":2389,"end_word":2389,"sentiment":"positive","sentiment_score":0.5303239822387695},{"text":"Otherwise, you can see that most of the other investment stays the same. They are just rebalanced to give you a little bit more diversification and equal exposure. So you can see the BetaShares Australia two 100 was quite heavy currently, so it's just reducing that a little bit to not, again, be overexposed to the Australian market.","start_word":2390,"end_word":2447,"sentiment":"neutral","sentiment_score":0.2027379870414734},{"text":"It is rebalancing everything for you. We are increasing gold a little bit. It's done really well.","start_word":2448,"end_word":2464,"sentiment":"positive","sentiment_score":0.45511335134506226},{"text":"You had about 4.62. Just increasing that up to seven for you. Cybersecurity basically stays the same. Europe, very similar, just increasing that slightly again to give you that kind of diversification. Japan stays the same. And that Yep. is basically it. So pretty straightforward when it comes to the Yeah. investments. Does that Yeah. all make sense? Yeah. That's fine. Yep. Yep.","start_word":2465,"end_word":2527,"sentiment":"neutral","sentiment_score":0.20350340008735657},{"text":"Beautiful.","start_word":2528,"end_word":2528,"sentiment":"positive","sentiment_score":0.5612190365791321},{"text":"Now the last thing I do wanna just point out for you is just when it comes through the fee structure again, and that is, like I said in the annual review, no changes whatsoever. So no changes to the fee structure. It stays exactly the same at 1.65 from super, and there's no additional fees or charges at all to go ahead with these recommendations.","start_word":2529,"end_word":2594,"sentiment":"neutral","sentiment_score":0.2187572568655014},{"text":"That is all part of that ongoing service that we provide.","start_word":2595,"end_word":2605,"sentiment":"positive","sentiment_score":0.40379565954208374},{"text":"Yep. Now, Timothy, do you have any questions in regards to any of this, or what are your thoughts on these couple of changes No. It's for all you? fine. Yes. Fine with Okay. me. Yep.","start_word":2606,"end_word":2641,"sentiment":"neutral","sentiment_score":0.08097987622022629},{"text":"Beautiful.","start_word":2642,"end_word":2642,"sentiment":"positive","sentiment_score":0.534709095954895},{"text":"So, basically, from here, if you are happy to do so, it will ask you to add a signature at the bottom of that document. Yep. If you, yeah, if you're able to add a signature, it should automatically add the date as well. Yeah. Done Yep.","start_word":2643,"end_word":2689,"sentiment":"neutral","sentiment_score":0.13040728867053986},{"text":"Perfect.","start_word":2690,"end_word":2690,"sentiment":"positive","sentiment_score":0.6434634923934937},{"text":"And then does it allow you to validate it, or what does it say now? that. It just says in a text text area. Yes. Is that where just put my name in there? Or You can just put NA or full stop. The textbook is just there if you would like to make a request for any of the variations, you can type it out. But if there's Okay. no changes, it will just ask you to just do a full stop or NA, and they will then kind of let you hopefully, press validate after that, I I believe. Yep. It's letting me validate now. Yep.","start_word":2691,"end_word":2798,"sentiment":"neutral","sentiment_score":0.10198235511779784},{"text":"Perfect. Now this document is saved in the Odisign there for you if you ever wanna go back and have a read over it.","start_word":2799,"end_word":2822,"sentiment":"positive","sentiment_score":0.3607610762119293},{"text":"There was also a appendix attached, which is just that the research is all there for you. So if you wanted to when whenever you had some time, wanted to read up on the investments in more detail, all the research and everything is there for you. If you Yep. can't access it, though, we always have a copy on file. I can always send it to you as well if you ever I'm okay. wanted it. That's Yep. fine.","start_word":2823,"end_word":2902,"sentiment":"neutral","sentiment_score":0.17002779245376587},{"text":"Beautiful. Now I can see, team, that that has come through on my end, which is fantastic. So I will let the team know that we'll go ahead and make these couple of changes for you.","start_word":2903,"end_word":2938,"sentiment":"positive","sentiment_score":0.5345891118049622},{"text":"I Yep. will also get the team to send you the the contribution form just so we can change those contributions. So all you gotta do is then just pass that on to the employer, and we'll keep a lookout of things just to make sure that's all transferred correctly for you. Yep. No worries. Yep.","start_word":2939,"end_word":2994,"sentiment":"neutral","sentiment_score":0.3040592074394226},{"text":"Beautiful. Well, thank you so much for your time this morning, team. I'll let you get on with your day.","start_word":2995,"end_word":3014,"sentiment":"positive","sentiment_score":0.6992053389549255},{"text":"But if you have any other questions or need anything else, don't hesitate to give me a call. Okay? Yep.","start_word":3015,"end_word":3034,"sentiment":"neutral","sentiment_score":0.0993204414844513},{"text":"No problems. Yep. Beautiful. Well, thank you so much, Tim, and I look forward Thanks. to speaking with you soon again.","start_word":3035,"end_word":3055,"sentiment":"positive","sentiment_score":0.6810353994369507},{"text":"Alright. Bye. Bye.","start_word":3056,"end_word":3058,"sentiment":"neutral","sentiment_score":0.23668135702610016}],"average":{"sentiment":"neutral","sentiment_score":0.1346862305418825}}}}