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Been busy, or are you guys kind of just getting started? Yeah. Perfect. Now I obviously had you both booked in to go over your strategy recommendation together. Now is still a good time for both of you? Yep. Perfect. Now before I do kind of jump into it, I do need to let you both know that the call is being recorded for quality and coaching purposes, if that's okay. Yeah. Perfect. And just to confirm I am speaking with the right person, just for security purposes, could I please get you both just to confirm your full name, date of birth, and address, please? Yep. Yep. Perfect. And do you have anything planned for your birthday, Quinn, coming up very shortly? Oh, lovely. That is so good. It's actually my birthday tomorrow, so we're very close together. Yeah. It's like everything's happening in June, isn't it? Now do you guys have access to your emails at the moment? Yep. Now I have sent you both a document. You will get one copy each. It is exactly the same document, though. So if you guys just wanna access it on one phone or computer and look it together, completely up to you guys. But it is the same one. Yep. Now let me know if that came through okay to you guys as well. Perfect. Yep. It might take a minute sometimes to load as well because it is quite a lot of documents. A lot of it is just compliance and research. So I won't go through everything because, otherwise, I'll keep you here all day. But I'll go through all the important information, and then I'll let you guys both obviously take some time afterwards and have a read through everything as well. And when you do get access to the emails, it will ask you to click the link where it says sign now, but it will allow you to open up and view everything first before it would prompt you to sign anything. Yep. And when it does load, you should have the first document saying statement of the device on the cover page. Yes. Perfect. So you guys can both see that okay? Yep. Perfect. So I've put together this strategy for both of you that I believe are best going to achieve your goals and your objectives. But at the end of the day, though, they are just recommendations. It is completely up to you guys if you're not implement all of it, some of it, or none of it at the end of the day. Now on the cover page here as well, you will see my details listed. You will see my authorized representative number as well, and I am licensed under HP Financial. And this advice here as well has been tailored specifically just for you guys as well. Yep. Perfect. Now if at any point in time I'm going through anything too quickly or if you have any questions, just interrupt me and let me know. Okay? Yep. Now if you can scroll on the second page for me, it outlines the best interest duty. Can you see that? Yeah. Have either of you heard of this before? Probably from last time. Yeah. Yeah. But, Bitcoin, basically, for your reference, what it means is that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation. Now if I don't act in your best interest, then I will lose my license. And if I lose my license, I will lose my job, and my husband at home won't be too happy with me. There's a lot in place to protect you guys, essentially. Now it is also valid for sixty days as well. So you do have some time to have a read every over everything as well and decide what you want to do. If you do want more time, though, just let me know because I'll have to just reconfirm and update everything so it's still relevant. Okay? Yep. Now I'll ask you then scroll through the next page. Table of content, pretty self self explanatory. You can see that I are a few things, so I will try my best to make this as quickly as I can for you. Yep. Now on the next page, you should see scope of advice. Can you see that? Yep. Now, basically, what this means is the areas we are looking at in this statement of the device, but it does not mean that there's not other things we can't look at down the track. Simply today, though, we are looking at both of your superannuation to cross off on those goals. Also, investments within superannuation, so what you are currently invested in versus what I have recommended. Different contribution strategies for both of you as well to make sure we can have everything as tax effective and optimized for both of you. And then I have also just included some information in regards to estate planning as well just to make sure that's all set up correctly for both of you as well. Does that all make sense? Yep. Perfect. Now as you scroll through, you will then see a limited scope. It talks about insurances there for you, Alan. Not making any changes in regards to your insurances. It is just included here just so that you can see the impact your insurances has on the super recommendation, essentially. Yep. And then there are not considered. So for you, Quinn, not looking at insurances in this point. You're pretty self insured. But if that ever changes down the track and you want to look at it, just let us know. Same goes if you guys do wanna revisit any of your personal investments or look at other strategies down the track as well as everything is set up. We can definitely have a look at that for you as well. Yep. Now if you can then scroll through page eight for me, you should see a heading where it says limited advice and are advised to you. Yep. So limited advice essentially just refers back to what I touched on, so scoping in and what we are scoping out. But I do also have to let you know that I'm not a legal practitioner. I can't actually give you any legal advice. Can definitely give you guidance in regards to how to structure your beneficiaries for super and insurances, but I can't actually give you any legal advice. So if that is something that you guys ever need, I would just have to refer you to a lawyer. Yep. Now underneath that, you can then see the actual strategies. So you can see that there are a fair few things I have recommended, but I will go through these in details as we go through them. Okay? Yep. Now if you can then scroll through. So, basically, the next two pages, it's just some personal information in regards to both of you just that we collected from the search line. If you can just have a quick read over that just to make sure that's all up to date or if I need to make any changes in the back end. Same just goes for the lifestyle assets and liability table as well. And that was obviously at the time we did FactFone. So, obviously, sometimes assets can vary and change a little bit, which is fine. Yep. Perfect. 100%. Now I have recommended a different type of spousal contribution, not contribution splitting, which we spoke about last time. But I will explain the difference because the contribution splitting just wasn't tax effective for you, Alan, but the also contribution was. So I have recommended it. Like you said as well, it is a recommendation. You can then decide what parts you want to take or what parts you don't want to take at the end of the day. Yeah. Yeah. Yeah. No. That's okay. And it does get quite contribution, it is it is great. There's so many different things you can do, but it also get quite complex. So I will try to go through and I have actually three different contribution strategies for both of you today, so it is a lot. I'll go through it as as best as I can. And then like I said, everything is quite detailed in this document So you guys can then go back later when there's not so much information overload and have a read over everything in detail as well. Yep. Perfect. Now, essentially, if you can then scroll to page 11, it just shows your current situation. So you can see there, Alan, you have your super with hub twenty four at the moment. You do have some insurances with Tyler attached, which you can see underneath it. You can see your super balance, and then Queen, same for you. You have your super with Aware Super, and you don't have any insurance. Yep. Now when it comes to page 12, it talks a little bit about your risk profile. Can you see that page? Yep. Perfect. So when we did go through your risk profile questionnaire, so kind of those type of questions to see how you feel about fluctuations and everything in the market, You both came out very much the same as a high growth investor, and we did agree that a high growth portfolio is going to be the most appropriate for both of you. You both have plenty of time until retirement in order to take advantage of growing your superannuation as much as possible, and also for those short term fluctuations to come back around as well. Does that make sense? Yep. Perfect. Now if you can then scroll down through page 14, it then starts about the first strategy, which is for you, Quinn, if you can see that. Yep. So what I have recommended for you when it comes to your superannuation is to change your super from Aware Super into Hub twenty four. Now you will have the best interest duty statement listed here, which is basically how that one acts in your best interest. As you scroll through, you will also see advantages, disadvantages, risks, and alternatives considered. I usually find the easiest way is if you can scroll down to page 18 for me. It basically summarizes everything in its table to make it a bit easier. So let me know if you can see page 18, and then I'll kind of talk on those points. So if we start here, you can see your current situation. You can see your current superannuation balance. You can also see what you are currently paying for in fees. Okay? Yep. So, currently, you are paying about 1,779 in fees per year, which is your admin fees, investment fees, and other fees associated with your Aware Super. Now you can also see there your your high growth return on your current investment. So over the last five years, the current portfolio that you are invested in in Aware Super has performed at an average rate of return of 7.8%. Now if you scroll down one page, you can actually see that forecasted for five and ten years. So you can see the current column that's just forecasted for five and ten years for you. Okay? Yep. Now if you scroll back up to then page 18, you can then see what I have recommended. So what I have recommended is hub 24. So when I did make the recommendation, I kind of weighted up what was going to be the best for for you specifically, but then also factoring in Alan's situation as well. And after doing that, I did consider, hub twenty four. It is more a sophisticated platform. I'm not sure if you've ever looked at Allan's account before that is all set up or how it works. The good thing with Hub twenty four as well and how that kind of also played into role with Alan's situation is that they offer family linking. So, basically, what that means is that if you have two accounts so if you have, like, a a family with two accounts linked together, you can actually link them together to reduce your admin fee. Because what they do is they then calculate on the total balance for both of you when they are charging the admin fee. So overall for both of you, it will make the cost a little bit cheaper, and that also made it a bit more effective than alternatives I considered for you. That was quite similar to hub twenty four in terms of flexibility when it came to investment choices. But because of the family link in, it did reduce the total fees a little bit for you for both of you. But also, Hub twenty four, they offer something that is called aggregate trading. Basically, what that means is they can place all the investments together with one transaction, which does reduce the transaction fees, capital gains tax when they are selling different investments. So, overall, that does reduce fees. A lot of the other competitors don't offer that. So that kind of further reduces the fees overall. Does that make sense? Yep. Perfect. But I said sorry. Did you have a question? Yeah. The admin fee. The admin fee. Yep. The admin fee. Because investment fees, they are just in regards to the individual investments. That doesn't really change with having multiple accounts because that's just a percentage of what you have invested in them. The admin fees is, like, usually your your flat fee or a percentage fee on your super balance. So as your super balance grows, sometimes that gets more, but that can then be aggregated into the family linking, which you will actually see when I go through your table. You can see the admin fee difference by having the linking. Yeah. Yeah. But it is a very good question. Yeah? Yes. Mhmm. Yes. Not rollover, but it is the upfront advice fee if you decide to come on board. That's why that has been deducted. Yeah. So, yeah, so all of these here factors in everything for for you to show you net of everything. So it factors in the upfront fee. You can also see the adviser fee included on the Hub twenty four side, not on your current because you're not paying for anything. So this kind of goes back to that best interest studio, making sure that when we are factoring in everything for you, you would still be in a better position. But that is a very good question. It's not the rollover. It is the upfront advice fee. Yep. Yes and no. Sorry. The balance difference there for Quinn, that is just a one off fee. That would be the same with when you came on board, and that is just to implement everything. So, basically, obviously, everything up until you decide to come on board is completely complimentary. It's completely free. So the implementation fee, it basically covers everything through implement your advice, put everything into place, open all your accounts, and doing everything for you. But, obviously, it also pays for then, obviously, my time, research team, and admin team. That is a one off advice fee. So if you decide to come on BoardQueen, you will never have to pay that one, upfront fee ever again. So with superannuation and any products, really, they are continuously ever changing. There's new products and features that are coming out on the market. We are continuously doing research. So if I do research, let's say, in a couple of years and it turns out that there's a new competitor that is more competitive than Hub twenty four for you, and I put all the numbers together that shows you, well, okay, moving to this other Superfund is going to be better for you, You will not have to pay an upfront fee ever again. It is just to come on board. The 4 9. Correct. That that's the difference of $4.09 $5.00. Yeah. Correct. So that is still paid for 18? Yes. Yes. Yes. Sorry. Hub. Correct. That's right, Alan. So the admin fees is associated directly with the platform hub twenty four. Investment fees are paying for your investments. That's through hub twenty four. Other fees is, like, sometimes they have transaction fees, and other hidden fees associated with the account, but there's nothing there in Hub twenty four. Now the adviser service fee, is that what you would pay us? So that's what the one Alan touched on earlier, which is an ongoing advice fee. That is the only fee that you pay us ongoing. Yep. Does that make sense? Yep. Now have you ever heard of Hub twenty four before, Quinn? No. No. Essentially, just for your reference, they have been around since about 2007, but they are also directly listed on the Australian Stock Exchange. And they do have it just under a 100 billions of dollars of funds under management. So, essentially, they are a massive conglomerate. They are one of the quickest growing superannuation platforms out there. I do use it for my personal superannuation as well. And they do have a lot of those kind of benefits associated with the account. But, essentially, though, it's just another super fund. There's literally hundreds of them out there. But also keep in mind that all super funds are pretty much the same thing. The purpose is that they are just the administration services that hold your money until you can access it. So until you turn 60, for example, and stop working, that's the function of it. What really matters and what makes it different is what you can actually invest the money into within the fund itself. So it's not like Aware Super or Hub twenty four or Australian Super, any super funds really that gets those returns and make your money grow, it is the actual investment options within the fund itself that gets those returns for you. Does that make sense? Yeah. So with Aware Super as well, when you did have a look at your investments, I know you did change yours to high growth as well. You would have seen that there was maybe ten, twenty different investment options that you could have picked from. With Hub twenty four, there's hundreds and hundreds of different investment choices all the way down to direct shares as well. And that's what makes it so competitive is how we can then construct your investment portfolio because of all those choices. Now you will see as well here that the cost is more with Hub 24 than with Aware Super, and it is because it is more of that sophisticated platform and allows us to do a lot more with your investments. But, obviously, something to be mindful of that the total cost is more than Aware Super. But if you also look at the return on the investment, so, again, using a five year rolling average, the recommended portfolio over the same time period has performed at 12.55%, which is a pretty big difference of 4.75% considering they are both high growth options. Does that make sense? Yeah. Now the reason we do use a five year rolling average as well is that it gives us a better indication of how the market has performed as well as the portfolio. It's obviously something you can't guarantee what's going to happen with the market or with the investments. That is why we're using five year time frame instead of, for example, a twelve month. Depending on when we would have used a twelve month period, sometimes it would have shown that you would have looked like you won the lottery, whereas other years, it wouldn't have been as great. So that's why we are wanting to use a five year period of time and averaging that out to give you a little bit more certainty. Does that make sense? Yep. Now you can also see here, though, that on the recommended side, which also contributes is the different contribution strategies. So you can see the three different contributions. You can see the thousand dollars, the 500, and the 3,000. I will explain what that is for you. But, also, to give you a like for like comparison to show you without the additional contributions in the appendix. That will be your second attachment later. I have included a a like for like, assuming you do no extra contributions and only that from your employer that will or that that will kick in with the new changes, which is that $9.07 9. So I have then showed you a a kind of an apple for apple comparison to show you that as well in the appendix just so that you have all that information. It still shows that you're a lot better off, but you have that as well to go back on and have a look. Does that make sense? Yep. Now do you have any other questions in regards to anything on this table otherwise so far? Yes. Okay. The contrib yeah. The contributions is outlined in a separate strategy because they get a little bit more complex. So I will but this basically shows everything. So kind of the pages you scrolled over talks about the hub 20 four. It talks about the the benefits of the recommendation. So, obviously, you can see the the total return of the investment, putting in a better position, family linking, everything like that. Downside is, obviously, it is more expensive. We do also have to roll over the fund. And during that process, obviously, there is a little bit of time where the invest the funds are not invested during the administration process time. So it kind of talks about all of that so you have all the information. And one of the risks is that there's always a level of risk associated with any investment option. But that, again, is why we are wanting to use the five year rolling average when we are looking at historical returns for you. Yep. Now if you scroll down for me down to page 19, you can then see it projected forward that five and ten years for the recommended side again. So that obviously factors in the upfront advice fee that you saw came out, but also the ongoing advice fee. It factors in everything for you. Yep. Now underneath it, I have been showing you a little bit more on the return so you can see it over a longer period of time. So I have done a twelve month period, three years, five years, and ten years to show you, and you can see across all time frames the recommended has still outperformed your current situation. Yep. Makes sense so far? Yep. Now what that looks like in terms of the investments I have recommended is page 20, if you can see that. Yep. Perfect. So what I have recommended, it is a tailored portfolio within hub twenty four. Now, Alan, this is the same portfolio I have recommended that we change yours to as well. I will show you what that looks like, but in terms of the actual investments, it is exactly the same. So you can obviously see here that in your Aware Super, you have a 100% invested in one option. Now what that one option is, it is a managed fund, so you do have a bit more investments than just one in there. But how it works is that it is a managed fund, so Aware Super are kind of deciding what goes in and out of that portfolio, but it's not public. So you don't know what it is. We don't know what it is. So there could be things in there that you might not agree with or that you might like. We just don't know what it is. The only thing we know is that a 100% invested in one option. So it doesn't provide you with as much diversification or transparency with the portfolio that we instead have compared in hub twenty four for you. Yep. Now with the investments as well, they are all public, so you can go and have a look at all of these investments and read exactly what is in each and every single one of these investments if you want to. But to make it easier in the appendix, so that's what the other comparison table was that I mentioned. I have also included investment links to make it easier for both of you for these investments. So you can just click on them, and that gives you all the information in regards to the investment. And you can actually see every single company invested in that as well, so it does give you that full transparency as well. But, basically, how we put together our portfolio I'm sorry, Alan. You may have heard this before, so it might be a little bit repaid. But, essentially, how we put together our portfolio is that we use a core and satellite approach to investing. Have you guys ever heard of that before? No. Essentially, what it is is that we invest majority of this month in what we would call your core investments. Now these represent the backbone of the portfolio and essentially are your passive index funds that have done really well in the past, and they are very diversified. Now what they are for both of your portfolio is that you can see the ones that has a higher percentage allocated. So for example, you can see the iShares S and P 500 as 35%. That is one of your core investments. You may have heard of that before. Yep. Essentially, what that one single investment is, though, it does the 500 largest companies listed in The US. So, obviously, very diversified within that one single investment. You do have companies like Apple, Microsoft, Amazon, all the big companies you would have heard of. So even though it's 35%, it is 500 companies invested in that one option. Okay? Yep. Now another one of those core investments is then the one just underneath it, which is the BetaShares Australia 200. That one here invests in the 200 largest companies listed in Australia on the ASX. So you'll have companies like Commonwealth, BHP, CSL, Woolworths, all the big companies in Australia. So, again, that forms part of your core investment. Now because both of you are then in a high growth portfolio, the goal is to maximize growth as much as possible. So aside from the the core investments, you then have, like, your satellite investments. Now these investments are a little bit more dynamic. They are a little bit more specialized investments that target specific regions, assets, or different sectors in order to kinda maximize that growth for you. They can also be a little bit more volatile, and that is what they only represent a smaller portion of the portfolio. Does that make sense? Yep. So for example, you can see that 6% is in the beta shares cybersecurity. Obviously, technology AI not going anywhere anytime soon, so there's a lot of opportunities in this space. But, again, because it is a satellite investment, we do only wanna allow that 6% allocated to this investment. Now another one is then your iShares Europe because we also wanna make sure that your portfolio for both of you is very diversified. We don't want everything in just The US or Australia. We wanna make sure it's well diversified across the globe. So if something would happen to one market as well, it is very diversified for you. So we have 9% in iShares Europe, which does invest in a broad range of kind of large and mid sized European companies, predominantly from The UK, Germany, France, Switzerland. It is managed by BlackRock, which you may have heard of. They are one of the largest asset managers. And some of their kind of biggest holding in that one investment is, like, your Nestle, your Novo Nordisk, AstraZeneca, and Shell, which you may have heard of. Yep. Does that all make sense so far? Yep. Yeah. Now I know it's a I know it's a lot. So you can obviously go and have a read over everything. You also have 5% in Japan. There's a lot of opportunities in Japan as well. Again, wanna make sure we diversify across the globe for you, and that invest in broad and large mid sized companies in Japan. Now we then have another one, 8% in Vanguard All World. You may have heard of Vanguard before. Yes. Now this one here invest in thousands of different companies all across the world, but it does exclude The US because you already have exposure to The US market in the iShares S and P 500. And we also wanna make sure you don't have too much in just that one sector. Okay? Yep. So, basically, invest in Asia, emerging markets, and some parts of Europe as well there for you. But then what we also want to do is we wanna make sure we have a little bit of that defensive component to your portfolio to stabilize those fluctuations as well. So we have 7% invested in gold for you. Now that is basically just a low cost investment option to access physical gold via the exchange trade the stock exchange. Obviously, it avoids you having to stock gold bullion at home. So this is another just convenient way to having that kind of stabilized components to your portfolio. And then we have 5% in fixed interest. Again, just kinda limit fluctuations a little bit, stabilize that portfolio, but the main focus is to maximize that growth. Do either of you have any questions in regards to the investments? Mhmm. Of course. Mhmm. Correct. Yes. Correct. So have we we yeah. Sorry. Because we have 24, it allows us to do everything. So we have a lot of different investment portfolios that kind of evolved, obviously, through time. So, obviously, when we still started the company, you obviously had a different portfolio back then years ago. Things were obviously very different in the market. Like, cybersecurity probably wasn't as prominent and a lot of other investments, but the portfolios were very different. And then they kind of evolved with time as well as the market and everything is changing. It does depend how frequent we do it depends on what is going on in the world. So, obviously, during COVID, there was a lot more changes. It just depends on what's going on, but it is something that the investment committee are continuously reviewing. So even for Alan's situation, what he's currently invested in right now is a little bit different to this portfolio, and that was also because at the time, that was what's going to be the best for him. And then, obviously, markets, nothing's ever changing, and we wanna be proactive with making that changes as everything change. Also, as your situation change, as your risk tolerance change as well, So we have a lot of different tailored portfolio. Because the closer you guys get to retirement, you might wanna then start looking at reducing risk a little bit. So it's been changing different allocations and different investments depending on what is appropriate for you guys at this time. But, also, hub twenty four does give that option because I said there's hundreds of different options. So, basically, with hub twenty four, once you open an account, you can choose a 100 of different options. So we then are okay to tailor and put together the portfolio for you. We pick it, and then we set that up for your account. But at the same time, if you guys are very like, oh, I really wanna invest in this option, we still have that flexibility. So if you specifically tell me, oh, I don't like Europe. I don't want that. We can then change it. So it does does give us that flexibility. Or if you go, you know what? I really wanna invest in some kind of crypto. Not necessarily something I would recommend, but if you specifically go, I want this, it allows us the option to also tailor what is important to you guys. So it's not like a set and forget portfolio. It's not something that we invest and then see you later five years. Let's review it. It is something that we are continuously reviewing. And as Alan would note, that also forms part of the under review process. So during the under review, which is something we do, at a minimum every twelve months, we can do it more frequently depending on how much communication you guys want. But at a minimum every 12, we'll reassess, making sure the advice is still appropriate for you. Depending on what's happened in the world, the your life situation, if anything were to change, we then wanna make sure we tailor things to make sure it continues to be in your best interest and aligned with your views, but also what's going to be best for you moving forward. Mhmm. Yep. Potentially. Yes. So so part of it could be so when we get to Alan's investment, you will see that I have recommended changing some. Some is actually keeping the investments, just changing the allocation to how much it is. Sometimes it's just a matter of rebalancing the portfolio because, obviously, investments value change. So, obviously, as some investments grow in value, they can become over weighted. So what we then do during annual review is reassess, rebalance everything if it is appropriate. So rebalancing, changing some investments, buying some new ones, and changing out depending on what is going to be the best for you at the time. Again, going back to depending on what is going on. But it doesn't have to be at just under review time. So, obviously, the investment committee meet all the time. And if we could say, well, something like with COVID, for example, you obviously wanna be proactive. You don't wanna just leave things as well. So if there is something major that is going to happen, we're not gonna be like, oh, no. You're under review. It's not up yet. Let's wait and talk to you in ten months. If something's going to happen, we will let you know and be proactive in making those changes. Or, for example, if something were to happen with your life situation or anything for both of you and you go, you know what? There is a lot of happening in the market. I don't feel comfortable with the level of risk. We can always change it. But we wanna obviously do the due diligence and the research because by chopping and changing investments, you also have to pay for transaction fees, and we also wanna factor in capital gains tax. So we obviously do that when we're factoring how we are going to change the investments for you. Mhmm. Mhmm. Yes. Mhmm. Mhmm. Yep. Mhmm. Mhmm. Mhmm. Mhmm. Yep. Yes. Yes. Yes. Yes. Correct. Correct. Yes. Yeah. Mhmm. Mhmm. Mhmm. Correct. Mhmm. Mhmm. Yes. Yes. Same legislation. Same rules. Yes. Because it is a super fund, and they have to follow the CIS Act. That is the same for every super fund. So that is something that they have complied with. When it comes to the rules and legislation reporting, that is the same for any super fund. Now with hub twenty four, they do have managed funds as well that we consider, which is, like, similar to Aware Super. So there are heaps and heaps and heaps of different managed funds as well to choose from. But when looking at them and constructing the portfolio, a lot of them are a little bit more expensive because they have that kind of active and buying, selling different investments, but it doesn't give us the same kind of transparency with what is actually within the investment because, obviously, that is kind of a a trademark sometimes to some of those portfolio managers. So this is so it is something that we are continuously we're always reviewing. So we're always reviewing the repairs as well, but, obviously, that's a little bit riskier. So depends on, again, the level of risk, different ETFs. Because at the same time, we wanna make sure we keep the cost down. We don't want the fees to be too much. We obviously wanna make sure it doesn't impact the returns. So we wanted a balance of keeping the fees down, which ETFs are a fantastic way of doing that, give you the diversification by also focusing on the returns. So with the different super funds as well, because you don't have the same level of diversification, so if anything tend to tend to happen, it would be predominantly when it comes to the investments and how things are obviously invested. But as you can see with the hub twenty four, the portfolio we have now recommended for both of you, it is very diversified. So if, let's say, something were to happen short term with The US market, you're not having everything in that. So it's very diversified. Whereas with AwareSoup, you could have 90%. You could have 5%. We just don't know. Yep. Correct. Yes. And you with the with the investments or with the appendix, you can also see all those things. So you can actually go and see because it is public for you. Even Hub twenty four is a public listed company. So you can actually go and see if you wanted to see all those 500 companies on the iShares S and P 500. You can go and look at what all those 500 is. It is all there for you to look at. Mhmm. No. Because it's all within Uber. So it's not the same as your personal investments. Yes. Yes. So you can see the the a so they in you say the a t I I code? You can see that listed, like the hack IEU. That's the individual code for that. But it's very different to your personal investment where you need your test number. You need everything because it's individually in your name. This is just held in your super. So with Aware Super, even though you're still invested, you don't have a test number. You don't have all of that because it's all within the super environment. The super trustee are then liable to make sure everything stays compliant, and they follow all the rules. So hub 20 hub yeah. Mhmm. Hub 24. Hub twenty four. So Hub twenty four is is the platform. So it's the same with I'd like to sync your bank account. Like, they they that's where your money sorry. We don't have it. So I can't be like, okay. I'll like, Oakview owns it. It's within Hub twenty four. We manage how things are invested, but there's, like, Hub twenty four because there's, like, hundreds of billions of funds. So it's not like just Oakview specific. It's hundreds and hundreds of investors and and wholesale investors invest in Hub twenty four. So it's yeah. Correct. So Hub twenty four because they are giant. It's not if something were to happen to Hub twenty four, which would be very unlikely, but if you were to see some other super funds, they obviously get acquired. So you would have potentially heard, like, Sunsuper, different investments within acquired by Australian Retirement Trust. They just buy buy super fund, and then members get transferred over through another super fund. So that's basically how it works. But, again what was that? Sorry. 100 percent. Yes. So they have to follow Yes. Exactly. So it is there. Correct. Yes. Correct. Correct. Often when something were to happen, it is more in regards to the investments as well. So you may have heard of, like, Shield Master Trust and kind of what happened with that. No. Yeah. There was some issues, but that was with that specific investment option. Now Hub twenty four did not allow that single investment option on their platform. So they obviously also have a lot of different rules to even allow an investment option to be available on that platform. For example, the Shield Master Trust, that investment was managed fund. That investment option was available with Macquarie and with Netwealth, for example, which you may have heard of Macquarie over to see massive. So what happened is that that the Shield Master Trust collapsed. People had some money invested in that investment option. The whole super didn't collapse, but, obviously, if you had a 100% in Shieldmaster Trust, obviously, not as diversified. But what they are then looking at doing now is then kind of paying back the customers that were affected by that, and that's obviously when the government and everything steps in. But that was with one single investment option. Like I said, Hub twenty four did not approve or allow that option on the platform. So to even qualify to be a choice, if something were to happen, Hub twenty four will then take also their liability. They would then be responsible to pay back. So there's a lot of legislation and stuff in place to protect you guys. And like I said, I use Hub twenty four for my personal super as well. So when it comes to the protection, it would be same legislation, same rules that Aware Super has to follow, Australian Super has to follow, and Hub 24 has to follow as well. Does that make sense? Yes. Mhmm. Mhmm. Yep. Yep. Broader thing. Yep. Yep. Yep. Yeah. Yeah. And also, again, that one option, it is 500 companies. So it's not like, like, if something were to happen to, let's say, NVIDIA or something would happen, you don't have everything invested in that option. As another company grows and gets bigger, it gets added to the 500, something smaller comes out. You don't have to change your investments because you are just invested in the index tracking the largest 500. But, obviously, everything going on in the world, everything with AI and everything like that that's happened, US is definitely the forefront of that. And doing all the research, US is definitely still a good market to be in for the future. Now, obviously, for your investments, it is long term. You can't access it until you turn 60 at the earliest. So, obviously, it is very much like that. But at the same time, we don't want a 100% invested in there because there's always going to be some short term fluctuations even when there's an election happening. You see a little bit of fluctuations in the market. The short term is not something we're concerned about unless there are some big structural issues happening in a market where we then to see that we wanna leave it. For example, like, with China a little while ago and everything like that. If there's bigger things, then we wanna look at changing it. But in terms of opportunities, US is still very much a market that we foresee that there being a lot of long term growth opportunities, especially when you are looking at technology and AI and everything that's kind of evolving. They are very much the forefront of that. But that's not to say we wanna put everything there. Yep. But, again, as things change, if there's ever you never know what's going to happen in the world. If things change, we obviously reconsider the position. Yep. Mhmm. Yep. Mhmm. Yes. So before we were to do it, which you will see more in Alan's situation, because that's what we are doing for him, you will see that we factor in transaction fees, but which aren't very they're very minimal. But the biggest thing is capital gains tax because of how the investments are. Obviously, when you are selling investments, if they have gone up, there will be capital gains same as if you're selling your personal investment or investment property or anything like that. There will be capital gains tax. Now it's not something you pay for personally because it's it's within superannuation, and it's not as much as you would have pay outside superannuation, but it is still a factor. So when we decide or recommend what we are going to do, we factor in all of that. So you will actually see for Alan's situation that there will be some capital gains tax with the recommendation, which I'll explain and go through. But then also factoring in we wanna minimize that as much as possible, but not to the detriment of just keeping you within an investment if long term that investment's going through kind of negate the capital gains tax. But it's something that we have to consider all of it. We can't just be like, okay. Well, you've earned this much in this super fund. You have a, you know, 20,000 capital gains tax. Let's just move you. No. Like, we have to factor in everything to be, like, what is going to be the best when it comes to the full disclosure of all fees. And that's when we were to do, like, a new statement of advice. So in Alan's situation, this is where where his situation comes in, where I have them made a recommendation considering all of that of what is going to be the best. So we can't just go to be like I can't just call you to be like, okay. Cool. I wanna change this investment. I have to present every time we do personalized tailored advice, we have to present everything in a statement of advice. Can be a little bit tedious, but you just make sure that you are fully informed of everything and that everything has been considered. You have to then sign off on that before we can actually proceed with it. Yes. Yes. Yes. No. It's good. I like it because that means that you are onto it. And that's good because that tells me also that you understand it and that you have a good concept of it. So I would rather you ask me and not. Okay. Probably not. Hello? Yes. Of course, we can. Now let me have a look because, yes, there is quite a lot more, especially when it comes to contributions that get quite technical. And I wanna make sure we address everything together. So when is another best time for you guys? Alright. So let me have a look. Yeah. So at the moment, I'm fully booked Monday, Tuesday. I have availability Wednesday. I have same time as today, if that works. Okay. Beautiful. Now because we kind of already touched on investments for both of you, obviously, if you have any questions, let me know. But we can then tryna tryna go on to the other things. Again, once I've gone through everything, I will let you guys take your time to read over it. We can then book a follow-up. And then any other questions you have, we can definitely go through as well. But I don't wanna make Alan late to work, so I will let let you both go as well. You can also have a read through these documents before now and next Wednesday if you want to. So if you do have any other questions, let me know. And that way, we can hopefully save a little bit of time. Next time, there's still a few things I do wanna go through to make sure you fully understand everything, go and explain it. But everything is very detailed in the document as well. It gives you all the information so you guys can have a read over that. Alright. Perfect. Thank you so much, guys, both of you. I will let you go, and I will call you both back next Wednesday, July 1, which seems pretty crazy, at 08:30. I hope you have a lovely birthday, Quinn, and that you enjoy your little getaway. No. No worries. Like I said, I would rather you ask me the question than not and then be unsure about anything. So I would much rather you ask any questions. Yeah. No. And you shouldn't. No. It's it's fair. It's fair. And it's really really valid. It's like, at the end of the day, it's your retirement. It's your savings, and you wanna make sure that you make the best informed decisions for you. And that's also what we are here to do as well. No. Exactly. Yes. Mhmm. And it's good to be conservative. It's good to be guarded and not just blindly trust everything. But there are there's a lot of legislation in place to protect you. There's a lot of legislation in pray in place and compliance for an adviser. It is very heavily regulated, specific specifically with ASIC, but there's also, like, a lot of internal dispute resolution system. So there's a lot of things in place to make sure that what I'm doing is right for you, that I have all the relevant qualifications and legislation and all the compliance that I'm bound by, that Oakview is bound by as the licensee, and that we always act in your best interest. So there's a lot in place. There's a lot of red tape in the industry, which can be tedious from a paperwork point of view, but that is just in place to protect the customers at the end of the day. Yep. Yeah. Oh, I'm the same. I would never sign anything. I even read five prints. So that's good. Yeah. Yes. Mhmm. Yes. Yep. Yes. Continuing. Mhmm. Mhmm. Yep. Yes. Doing the right thing. Yep. Mhmm. Yeah. Yep. Yes. Yeah. And and one of the things here, you can obviously go go on our website. You can read everything. Part of the document is that financial services guide, which shows you all the advisers. It shows you the directors. It shows everybody. But one of the the good thing as well is with the under review. So how the legislation and stuff also work is that we can't just be like, let's say, you move overseas, don't tell us, or whatever it might be. We cannot keep charging fees. Every twelve months, you legally have to sign a document to say that you are happy to stay on for the next twelve months. It is not a locking contract at any point in time. But even in any period of time during the twelve month, if you go to know what? This isn't for me anymore. There's no lock in contract. There's no excess fees or anything like that. But if you don't sign that twelve month agreement every single twelve months, we can't just keep charting fees. You have to say, okay. I am happy with the last twelve months. During the under review, which, obviously, Alan can kind of go through from from the that point of view, is that we go actually through how your investments have performed, fees, where everything's at to give you that transparency so you can see, okay. Well, what's happened in the last twelve months? How are things looking? Am I happy with the service? Am I happy with my returns? Am I happy with the investments? Whatever is happening, you then say, okay. I'm happy to stay on for the next twelve months. So it's not something that you commit to and then just off you go. It is something that you are doing. But like I said, I also have some clients that wants quarterly catch ups, six monthly catch ups, monthly catch ups. At the end of the day, how much how much communication you want with me and overview, it is up to you. Some people go twelve months is fine because, obviously, a lot can happen in twelve months, and that is fine. And every twelve months, we will send you the documents. Obviously, you have access to you have 24 where you can, like Allan said, see all the transactions, see the investments, keep a lookout on everything, all your individual investments, how they're performing. So it gives you that transparency. There's a lot of different reports features you can do. But, again, during under review, we give you a snapshot of the last twelve months and go through where everything's at, how things are sitting, go through returns, and everything like that. And you have to then say, okay. I'm still happy. Let's sign another agreement and see where things go. Correct. Yes. Yes. Yes. Yes. Everything. Yes. And it also needs to yes. Everything. Yes. And it also means that you can call me whenever you want to for any specific questions even if you just wanna be like, hey. I'm looking at doing this, so I want to talk about this. The reason we do it this way as well is that we find that a lot more clients are more communicative than if we were to do it, let's say, the lawyer way where you just charge a yearly sometimes hourly fee. What tends to happen sometimes so you just charge for like, let's say, if you wanna book an appointment and talk about something, you obviously have to pay that consultation fee. What can happen with that is that clients decide not to contact if there is something that we could actually help them through because they don't wanna pay for it. So having the same flat fee for the year, so the same ongoing advice fee, means that you will also be more proactive. You are more inclined to give me a call if you have any questions, if there's anything you're looking at doing because there's no additional fees and charges whatsoever. So that means that we can stay on top of everything and make sure that everything are continued through aligning with you if things are changing. Because if, let's say, you were through you made redundant or change and you don't tell us anything, you know, that could impact things. That could impact the potentially some obviously, your super growth if you are off work for a very long period of time. If you guys buy another property, investment property, if you guys start a family, whatever it might be, that could change situation for you. So we want you to call us if something wanna happen. We can reassess everything and work together. But even sometimes, if people are like, oh, I wanna talk about this, or I want some cash on budgeting guidance, or I want this, you can call us whenever you want through, and there's no additional fees and charges. It's all part of that ongoing management. Yes. Yes and no. No. Because we we don't charge a performance fee. So, obviously, some fund managers charge a performance fee. We don't. How the ongoing advice fee work is that it is a percentage of your super balance. Obviously, as your superannuation balance fluctuates, that dollar value can fluctuate. If it's a dip in the market and your super balance go down at the time, we'll get paid less. As the super balance continues to grow, it will obviously increase. So at the same time, it is that kind of mutually beneficial agreement that the more super you have, the more, obviously, we get paid at the same time. That it is not, like, a performance based, that it is based on your super balance. Does that make sense? Correct. Yes. Correct. Correct. Correct. And that can fluctuate a little bit depending on, obviously, your super balance. Now we normally display it as a yearly figure, but it is not a deductible yearly. It is charged on a monthly basis to make it more fair to you with the market fluctuations. But then also so it's not like you pay for twelve months and then you locked in. It is a monthly fee that comes out. So you will see it monthly come out. But for this, we show you that approximate yearly fee, but it is not like one off fee that comes out once a year. It is just like a monthly. Correct. Yeah. Yeah. And it's all in the document as well, and we can go through it a little bit too because there's been a because, obviously, if you and Alan are both a client, there is a bit of a discount on the fees, which is great to make it a little bit more affordable for both of you. But I'll go through all of that with Alan as well next Wednesday. But you can also have a read through this document, like I said, before Wednesday if you have capacity to do that. If not, we'll go through everything together next Wednesday. And then following that, I'll still give you guys time to obviously read over anything, and we can go through any further questions after that as well. Oh, good. Yeah. Yep. Yep. Yes. Yeah. Oh, I'm glad. I'm really glad. And and and that's it. Like, I'm an employee of Oakview. I don't get paid commission. I don't get paid more or less if you and Allan decide to take the advice or not. That's not it. It's just a flat salary. So my job is to help educate you guys, do the best for you guys, but I don't get to incentivize in any way, shape, or form whatsoever depending on what you guys decide. Yeah. Well, thank you so much for your no. Of course. And that's you know, I'm I'm very much like you. I'm very I think we're quite similar. And at the end of the day, trust is a massive thing. Transparency is a massive thing. Communication is a massive thing. So and it's money. You know, you wanna have that true. Wanna have transparency. You wanna have communication. You wanna have the trust. So I'm glad that you feel that way. That makes me really happy as well. So I will let you go, get on with you today, Quinn, and I will call both of you next Wednesday at 08:30 to kind of continue everything, the rest with the advice strategy for you. Yeah. You too, and enjoy your birthday, and we'll speak next Wednesday. No worries. Speak soon. 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morning. Is this Quinn? Hello. Is this Quinn speaking? This is Veronica from Workview Financial.\n\nHow are you? Hi, Alan. How are you? That's good. How's your morning been?\n\nBeen busy, or are you guys kind of just getting started? Yeah. Perfect. Now I obviously had you both booked in to go over your strategy recommendation together. Now is still a good time for both of you?\n\nYep. Perfect. Now before I do kind of jump into it, I do need to let you both know that the call is being recorded for quality and coaching purposes, if that's okay. Yeah. Perfect.\n\nAnd just to confirm I am speaking with the right person, just for security purposes, could I please get you both just to confirm your full name, date of birth, and address, please? Yep. Yep. Perfect. And do you have anything planned for your birthday, Quinn, coming up very shortly?\n\nOh, lovely. That is so good. It's actually my birthday tomorrow, so we're very close together. Yeah. It's like everything's happening in June, isn't it?\n\nNow do you guys have access to your emails at the moment? Yep. Now I have sent you both a document. You will get one copy each. It is exactly the same document, though.\n\nSo if you guys just wanna access it on one phone or computer and look it together, completely up to you guys. But it is the same one. Yep. Now let me know if that came through okay to you guys as well. Perfect.\n\nYep. It might take a minute sometimes to load as well because it is quite a lot of documents. A lot of it is just compliance and research. So I won't go through everything because, otherwise, I'll keep you here all day. But I'll go through all the important information, and then I'll let you guys both obviously take some time afterwards and have a read through everything as well.\n\nAnd when you do get access to the emails, it will ask you to click the link where it says sign now, but it will allow you to open up and view everything first before it would prompt you to sign anything. Yep. And when it does load, you should have the first document saying statement of the device on the cover page. Yes. Perfect.\n\nSo you guys can both see that okay? Yep. Perfect. So I've put together this strategy for both of you that I believe are best going to achieve your goals and your objectives. But at the end of the day, though, they are just recommendations.\n\nIt is completely up to you guys if you're not implement all of it, some of it, or none of it at the end of the day. Now on the cover page here as well, you will see my details listed. You will see my authorized representative number as well, and I am licensed under HP Financial. And this advice here as well has been tailored specifically just for you guys as well. Yep.\n\nPerfect. Now if at any point in time I'm going through anything too quickly or if you have any questions, just interrupt me and let me know. Okay? Yep. Now if you can scroll on the second page for me, it outlines the best interest duty.\n\nCan you see that? Yeah. Have either of you heard of this before? Probably from last time. Yeah.\n\nYeah. But, Bitcoin, basically, for your reference, what it means is that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation. Now if I don't act in your best interest, then I will lose my license. And if I lose my license, I will lose my job, and my husband at home won't be too happy with me.\n\nThere's a lot in place to protect you guys, essentially. Now it is also valid for sixty days as well. So you do have some time to have a read every over everything as well and decide what you want to do. If you do want more time, though, just let me know because I'll have to just reconfirm and update everything so it's still relevant. Okay?\n\nYep. Now I'll ask you then scroll through the next page. Table of content, pretty self self explanatory. You can see that I are a few things, so I will try my best to make this as quickly as I can for you. Yep.\n\nNow on the next page, you should see scope of advice. Can you see that? Yep. Now, basically, what this means is the areas we are looking at in this statement of the device, but it does not mean that there's not other things we can't look at down the track. Simply today, though, we are looking at both of your superannuation to cross off on those goals.\n\nAlso, investments within superannuation, so what you are currently invested in versus what I have recommended. Different contribution strategies for both of you as well to make sure we can have everything as tax effective and optimized for both of you. And then I have also just included some information in regards to estate planning as well just to make sure that's all set up correctly for both of you as well. Does that all make sense? Yep.\n\nPerfect. Now as you scroll through, you will then see a limited scope. It talks about insurances there for you, Alan. Not making any changes in regards to your insurances. It is just included here just so that you can see the impact your insurances has on the super recommendation, essentially.\n\nYep. And then there are not considered. So for you, Quinn, not looking at insurances in this point. You're pretty self insured. But if that ever changes down the track and you want to look at it, just let us know.\n\nSame goes if you guys do wanna revisit any of your personal investments or look at other strategies down the track as well as everything is set up. We can definitely have a look at that for you as well. Yep. Now if you can then scroll through page eight for me, you should see a heading where it says limited advice and are advised to you. Yep.\n\nSo limited advice essentially just refers back to what I touched on, so scoping in and what we are scoping out. But I do also have to let you know that I'm not a legal practitioner. I can't actually give you any legal advice. Can definitely give you guidance in regards to how to structure your beneficiaries for super and insurances, but I can't actually give you any legal advice. So if that is something that you guys ever need, I would just have to refer you to a lawyer.\n\nYep. Now underneath that, you can then see the actual strategies. So you can see that there are a fair few things I have recommended, but I will go through these in details as we go through them. Okay? Yep.\n\nNow if you can then scroll through. So, basically, the next two pages, it's just some personal information in regards to both of you just that we collected from the search line. If you can just have a quick read over that just to make sure that's all up to date or if I need to make any changes in the back end. Same just goes for the lifestyle assets and liability table as well. And that was obviously at the time we did FactFone.\n\nSo, obviously, sometimes assets can vary and change a little bit, which is fine. Yep. Perfect. 100%. Now I have recommended a different type of spousal contribution, not contribution splitting, which we spoke about last time.\n\nBut I will explain the difference because the contribution splitting just wasn't tax effective for you, Alan, but the also contribution was. So I have recommended it. Like you said as well, it is a recommendation. You can then decide what parts you want to take or what parts you don't want to take at the end of the day. Yeah.\n\nYeah. Yeah. No. That's okay. And it does get quite contribution, it is it is great.\n\nThere's so many different things you can do, but it also get quite complex. So I will try to go through and I have actually three different contribution strategies for both of you today, so it is a lot. I'll go through it as as best as I can. And then like I said, everything is quite detailed in this document So you guys can then go back later when there's not so much information overload and have a read over everything in detail as well. Yep.\n\nPerfect. Now, essentially, if you can then scroll to page 11, it just shows your current situation. So you can see there, Alan, you have your super with hub twenty four at the moment. You do have some insurances with Tyler attached, which you can see underneath it. You can see your super balance, and then Queen, same for you.\n\nYou have your super with Aware Super, and you don't have any insurance. Yep. Now when it comes to page 12, it talks a little bit about your risk profile. Can you see that page? Yep.\n\nPerfect. So when we did go through your risk profile questionnaire, so kind of those type of questions to see how you feel about fluctuations and everything in the market, You both came out very much the same as a high growth investor, and we did agree that a high growth portfolio is going to be the most appropriate for both of you. You both have plenty of time until retirement in order to take advantage of growing your superannuation as much as possible, and also for those short term fluctuations to come back around as well. Does that make sense? Yep.\n\nPerfect. Now if you can then scroll down through page 14, it then starts about the first strategy, which is for you, Quinn, if you can see that. Yep. So what I have recommended for you when it comes to your superannuation is to change your super from Aware Super into Hub twenty four. Now you will have the best interest duty statement listed here, which is basically how that one acts in your best interest.\n\nAs you scroll through, you will also see advantages, disadvantages, risks, and alternatives considered. I usually find the easiest way is if you can scroll down to page 18 for me. It basically summarizes everything in its table to make it a bit easier. So let me know if you can see page 18, and then I'll kind of talk on those points. So if we start here, you can see your current situation.\n\nYou can see your current superannuation balance. You can also see what you are currently paying for in fees. Okay? Yep. So, currently, you are paying about 1,779 in fees per year, which is your admin fees, investment fees, and other fees associated with your Aware Super.\n\nNow you can also see there your your high growth return on your current investment. So over the last five years, the current portfolio that you are invested in in Aware Super has performed at an average rate of return of 7.8%. Now if you scroll down one page, you can actually see that forecasted for five and ten years. So you can see the current column that's just forecasted for five and ten years for you. Okay?\n\nYep. Now if you scroll back up to then page 18, you can then see what I have recommended. So what I have recommended is hub 24. So when I did make the recommendation, I kind of weighted up what was going to be the best for for you specifically, but then also factoring in Alan's situation as well. And after doing that, I did consider, hub twenty four.\n\nIt is more a sophisticated platform. I'm not sure if you've ever looked at Allan's account before that is all set up or how it works. The good thing with Hub twenty four as well and how that kind of also played into role with Alan's situation is that they offer family linking. So, basically, what that means is that if you have two accounts so if you have, like, a a family with two accounts linked together, you can actually link them together to reduce your admin fee. Because what they do is they then calculate on the total balance for both of you when they are charging the admin fee.\n\nSo overall for both of you, it will make the cost a little bit cheaper, and that also made it a bit more effective than alternatives I considered for you. That was quite similar to hub twenty four in terms of flexibility when it came to investment choices. But because of the family link in, it did reduce the total fees a little bit for you for both of you. But also, Hub twenty four, they offer something that is called aggregate trading. Basically, what that means is they can place all the investments together with one transaction, which does reduce the transaction fees, capital gains tax when they are selling different investments.\n\nSo, overall, that does reduce fees. A lot of the other competitors don't offer that. So that kind of further reduces the fees overall. Does that make sense? Yep.\n\nPerfect. But I said sorry. Did you have a question? Yeah. The admin fee.\n\nThe admin fee. Yep. The admin fee. Because investment fees, they are just in regards to the individual investments. That doesn't really change with having multiple accounts because that's just a percentage of what you have invested in them.\n\nThe admin fees is, like, usually your your flat fee or a percentage fee on your super balance. So as your super balance grows, sometimes that gets more, but that can then be aggregated into the family linking, which you will actually see when I go through your table. You can see the admin fee difference by having the linking. Yeah. Yeah.\n\nBut it is a very good question. Yeah? Yes. Mhmm. Yes.\n\nNot rollover, but it is the upfront advice fee if you decide to come on board. That's why that has been deducted. Yeah. So, yeah, so all of these here factors in everything for for you to show you net of everything. So it factors in the upfront fee.\n\nYou can also see the adviser fee included on the Hub twenty four side, not on your current because you're not paying for anything. So this kind of goes back to that best interest studio, making sure that when we are factoring in everything for you, you would still be in a better position. But that is a very good question. It's not the rollover. It is the upfront advice fee.\n\nYep. Yes and no. Sorry. The balance difference there for Quinn, that is just a one off fee. That would be the same with when you came on board, and that is just to implement everything.\n\nSo, basically, obviously, everything up until you decide to come on board is completely complimentary. It's completely free. So the implementation fee, it basically covers everything through implement your advice, put everything into place, open all your accounts, and doing everything for you. But, obviously, it also pays for then, obviously, my time, research team, and admin team. That is a one off advice fee.\n\nSo if you decide to come on BoardQueen, you will never have to pay that one, upfront fee ever again. So with superannuation and any products, really, they are continuously ever changing. There's new products and features that are coming out on the market. We are continuously doing research. So if I do research, let's say, in a couple of years and it turns out that there's a new competitor that is more competitive than Hub twenty four for you, and I put all the numbers together that shows you, well, okay, moving to this other Superfund is going to be better for you, You will not have to pay an upfront fee ever again.\n\nIt is just to come on board. The 4 9. Correct. That that's the difference of $4.09 $5.00. Yeah.\n\nCorrect. So that is still paid for 18? Yes. Yes. Yes.\n\nSorry. Hub. Correct. That's right, Alan. So the admin fees is associated directly with the platform hub twenty four.\n\nInvestment fees are paying for your investments. That's through hub twenty four. Other fees is, like, sometimes they have transaction fees, and other hidden fees associated with the account, but there's nothing there in Hub twenty four. Now the adviser service fee, is that what you would pay us? So that's what the one Alan touched on earlier, which is an ongoing advice fee.\n\nThat is the only fee that you pay us ongoing. Yep. Does that make sense? Yep. Now have you ever heard of Hub twenty four before, Quinn?\n\nNo. No. Essentially, just for your reference, they have been around since about 2007, but they are also directly listed on the Australian Stock Exchange. And they do have it just under a 100 billions of dollars of funds under management. So, essentially, they are a massive conglomerate.\n\nThey are one of the quickest growing superannuation platforms out there. I do use it for my personal superannuation as well. And they do have a lot of those kind of benefits associated with the account. But, essentially, though, it's just another super fund. There's literally hundreds of them out there.\n\nBut also keep in mind that all super funds are pretty much the same thing. The purpose is that they are just the administration services that hold your money until you can access it. So until you turn 60, for example, and stop working, that's the function of it. What really matters and what makes it different is what you can actually invest the money into within the fund itself. So it's not like Aware Super or Hub twenty four or Australian Super, any super funds really that gets those returns and make your money grow, it is the actual investment options within the fund itself that gets those returns for you.\n\nDoes that make sense? Yeah. So with Aware Super as well, when you did have a look at your investments, I know you did change yours to high growth as well. You would have seen that there was maybe ten, twenty different investment options that you could have picked from. With Hub twenty four, there's hundreds and hundreds of different investment choices all the way down to direct shares as well.\n\nAnd that's what makes it so competitive is how we can then construct your investment portfolio because of all those choices. Now you will see as well here that the cost is more with Hub 24 than with Aware Super, and it is because it is more of that sophisticated platform and allows us to do a lot more with your investments. But, obviously, something to be mindful of that the total cost is more than Aware Super. But if you also look at the return on the investment, so, again, using a five year rolling average, the recommended portfolio over the same time period has performed at 12.55%, which is a pretty big difference of 4.75% considering they are both high growth options. Does that make sense?\n\nYeah. Now the reason we do use a five year rolling average as well is that it gives us a better indication of how the market has performed as well as the portfolio. It's obviously something you can't guarantee what's going to happen with the market or with the investments. That is why we're using five year time frame instead of, for example, a twelve month. Depending on when we would have used a twelve month period, sometimes it would have shown that you would have looked like you won the lottery, whereas other years, it wouldn't have been as great.\n\nSo that's why we are wanting to use a five year period of time and averaging that out to give you a little bit more certainty. Does that make sense? Yep. Now you can also see here, though, that on the recommended side, which also contributes is the different contribution strategies. So you can see the three different contributions.\n\nYou can see the thousand dollars, the 500, and the 3,000. I will explain what that is for you. But, also, to give you a like for like comparison to show you without the additional contributions in the appendix. That will be your second attachment later. I have included a a like for like, assuming you do no extra contributions and only that from your employer that will or that that will kick in with the new changes, which is that $9.07 9.\n\nSo I have then showed you a a kind of an apple for apple comparison to show you that as well in the appendix just so that you have all that information. It still shows that you're a lot better off, but you have that as well to go back on and have a look. Does that make sense? Yep. Now do you have any other questions in regards to anything on this table otherwise so far?\n\nYes. Okay. The contrib yeah. The contributions is outlined in a separate strategy because they get a little bit more complex. So I will but this basically shows everything.\n\nSo kind of the pages you scrolled over talks about the hub 20 four. It talks about the the benefits of the recommendation. So, obviously, you can see the the total return of the investment, putting in a better position, family linking, everything like that. Downside is, obviously, it is more expensive. We do also have to roll over the fund.\n\nAnd during that process, obviously, there is a little bit of time where the invest the funds are not invested during the administration process time. So it kind of talks about all of that so you have all the information. And one of the risks is that there's always a level of risk associated with any investment option. But that, again, is why we are wanting to use the five year rolling average when we are looking at historical returns for you. Yep.\n\nNow if you scroll down for me down to page 19, you can then see it projected forward that five and ten years for the recommended side again. So that obviously factors in the upfront advice fee that you saw came out, but also the ongoing advice fee. It factors in everything for you. Yep. Now underneath it, I have been showing you a little bit more on the return so you can see it over a longer period of time.\n\nSo I have done a twelve month period, three years, five years, and ten years to show you, and you can see across all time frames the recommended has still outperformed your current situation. Yep. Makes sense so far? Yep. Now what that looks like in terms of the investments I have recommended is page 20, if you can see that.\n\nYep. Perfect. So what I have recommended, it is a tailored portfolio within hub twenty four. Now, Alan, this is the same portfolio I have recommended that we change yours to as well. I will show you what that looks like, but in terms of the actual investments, it is exactly the same.\n\nSo you can obviously see here that in your Aware Super, you have a 100% invested in one option. Now what that one option is, it is a managed fund, so you do have a bit more investments than just one in there. But how it works is that it is a managed fund, so Aware Super are kind of deciding what goes in and out of that portfolio, but it's not public. So you don't know what it is. We don't know what it is.\n\nSo there could be things in there that you might not agree with or that you might like. We just don't know what it is. The only thing we know is that a 100% invested in one option. So it doesn't provide you with as much diversification or transparency with the portfolio that we instead have compared in hub twenty four for you. Yep.\n\nNow with the investments as well, they are all public, so you can go and have a look at all of these investments and read exactly what is in each and every single one of these investments if you want to. But to make it easier in the appendix, so that's what the other comparison table was that I mentioned. I have also included investment links to make it easier for both of you for these investments. So you can just click on them, and that gives you all the information in regards to the investment. And you can actually see every single company invested in that as well, so it does give you that full transparency as well.\n\nBut, basically, how we put together our portfolio I'm sorry, Alan. You may have heard this before, so it might be a little bit repaid. But, essentially, how we put together our portfolio is that we use a core and satellite approach to investing. Have you guys ever heard of that before? No.\n\nEssentially, what it is is that we invest majority of this month in what we would call your core investments. Now these represent the backbone of the portfolio and essentially are your passive index funds that have done really well in the past, and they are very diversified. Now what they are for both of your portfolio is that you can see the ones that has a higher percentage allocated. So for example, you can see the iShares S and P 500 as 35%. That is one of your core investments.\n\nYou may have heard of that before. Yep. Essentially, what that one single investment is, though, it does the 500 largest companies listed in The US. So, obviously, very diversified within that one single investment. You do have companies like Apple, Microsoft, Amazon, all the big companies you would have heard of.\n\nSo even though it's 35%, it is 500 companies invested in that one option. Okay? Yep. Now another one of those core investments is then the one just underneath it, which is the BetaShares Australia 200. That one here invests in the 200 largest companies listed in Australia on the ASX.\n\nSo you'll have companies like Commonwealth, BHP, CSL, Woolworths, all the big companies in Australia. So, again, that forms part of your core investment. Now because both of you are then in a high growth portfolio, the goal is to maximize growth as much as possible. So aside from the the core investments, you then have, like, your satellite investments. Now these investments are a little bit more dynamic.\n\nThey are a little bit more specialized investments that target specific regions, assets, or different sectors in order to kinda maximize that growth for you. They can also be a little bit more volatile, and that is what they only represent a smaller portion of the portfolio. Does that make sense? Yep. So for example, you can see that 6% is in the beta shares cybersecurity.\n\nObviously, technology AI not going anywhere anytime soon, so there's a lot of opportunities in this space. But, again, because it is a satellite investment, we do only wanna allow that 6% allocated to this investment. Now another one is then your iShares Europe because we also wanna make sure that your portfolio for both of you is very diversified. We don't want everything in just The US or Australia. We wanna make sure it's well diversified across the globe.\n\nSo if something would happen to one market as well, it is very diversified for you. So we have 9% in iShares Europe, which does invest in a broad range of kind of large and mid sized European companies, predominantly from The UK, Germany, France, Switzerland. It is managed by BlackRock, which you may have heard of. They are one of the largest asset managers. And some of their kind of biggest holding in that one investment is, like, your Nestle, your Novo Nordisk, AstraZeneca, and Shell, which you may have heard of.\n\nYep. Does that all make sense so far? Yep. Yeah. Now I know it's a I know it's a lot.\n\nSo you can obviously go and have a read over everything. You also have 5% in Japan. There's a lot of opportunities in Japan as well. Again, wanna make sure we diversify across the globe for you, and that invest in broad and large mid sized companies in Japan. Now we then have another one, 8% in Vanguard All World.\n\nYou may have heard of Vanguard before. Yes. Now this one here invest in thousands of different companies all across the world, but it does exclude The US because you already have exposure to The US market in the iShares S and P 500. And we also wanna make sure you don't have too much in just that one sector. Okay?\n\nYep. So, basically, invest in Asia, emerging markets, and some parts of Europe as well there for you. But then what we also want to do is we wanna make sure we have a little bit of that defensive component to your portfolio to stabilize those fluctuations as well. So we have 7% invested in gold for you. Now that is basically just a low cost investment option to access physical gold via the exchange trade the stock exchange.\n\nObviously, it avoids you having to stock gold bullion at home. So this is another just convenient way to having that kind of stabilized components to your portfolio. And then we have 5% in fixed interest. Again, just kinda limit fluctuations a little bit, stabilize that portfolio, but the main focus is to maximize that growth. Do either of you have any questions in regards to the investments?\n\nMhmm. Of course. Mhmm. Correct. Yes.\n\nCorrect. So have we we yeah. Sorry. Because we have 24, it allows us to do everything. So we have a lot of different investment portfolios that kind of evolved, obviously, through time.\n\nSo, obviously, when we still started the company, you obviously had a different portfolio back then years ago. Things were obviously very different in the market. Like, cybersecurity probably wasn't as prominent and a lot of other investments, but the portfolios were very different. And then they kind of evolved with time as well as the market and everything is changing. It does depend how frequent we do it depends on what is going on in the world.\n\nSo, obviously, during COVID, there was a lot more changes. It just depends on what's going on, but it is something that the investment committee are continuously reviewing. So even for Alan's situation, what he's currently invested in right now is a little bit different to this portfolio, and that was also because at the time, that was what's going to be the best for him. And then, obviously, markets, nothing's ever changing, and we wanna be proactive with making that changes as everything change. Also, as your situation change, as your risk tolerance change as well, So we have a lot of different tailored portfolio.\n\nBecause the closer you guys get to retirement, you might wanna then start looking at reducing risk a little bit. So it's been changing different allocations and different investments depending on what is appropriate for you guys at this time. But, also, hub twenty four does give that option because I said there's hundreds of different options. So, basically, with hub twenty four, once you open an account, you can choose a 100 of different options. So we then are okay to tailor and put together the portfolio for you.\n\nWe pick it, and then we set that up for your account. But at the same time, if you guys are very like, oh, I really wanna invest in this option, we still have that flexibility. So if you specifically tell me, oh, I don't like Europe. I don't want that. We can then change it.\n\nSo it does does give us that flexibility. Or if you go, you know what? I really wanna invest in some kind of crypto. Not necessarily something I would recommend, but if you specifically go, I want this, it allows us the option to also tailor what is important to you guys. So it's not like a set and forget portfolio.\n\nIt's not something that we invest and then see you later five years. Let's review it. It is something that we are continuously reviewing. And as Alan would note, that also forms part of the under review process. So during the under review, which is something we do, at a minimum every twelve months, we can do it more frequently depending on how much communication you guys want.\n\nBut at a minimum every 12, we'll reassess, making sure the advice is still appropriate for you. Depending on what's happened in the world, the your life situation, if anything were to change, we then wanna make sure we tailor things to make sure it continues to be in your best interest and aligned with your views, but also what's going to be best for you moving forward. Mhmm. Yep. Potentially.\n\nYes. So so part of it could be so when we get to Alan's investment, you will see that I have recommended changing some. Some is actually keeping the investments, just changing the allocation to how much it is. Sometimes it's just a matter of rebalancing the portfolio because, obviously, investments value change. So, obviously, as some investments grow in value, they can become over weighted.\n\nSo what we then do during annual review is reassess, rebalance everything if it is appropriate. So rebalancing, changing some investments, buying some new ones, and changing out depending on what is going to be the best for you at the time. Again, going back to depending on what is going on. But it doesn't have to be at just under review time. So, obviously, the investment committee meet all the time.\n\nAnd if we could say, well, something like with COVID, for example, you obviously wanna be proactive. You don't wanna just leave things as well. So if there is something major that is going to happen, we're not gonna be like, oh, no. You're under review. It's not up yet.\n\nLet's wait and talk to you in ten months. If something's going to happen, we will let you know and be proactive in making those changes. Or, for example, if something were to happen with your life situation or anything for both of you and you go, you know what? There is a lot of happening in the market. I don't feel comfortable with the level of risk.\n\nWe can always change it. But we wanna obviously do the due diligence and the research because by chopping and changing investments, you also have to pay for transaction fees, and we also wanna factor in capital gains tax. So we obviously do that when we're factoring how we are going to change the investments for you. Mhmm. Mhmm.\n\nYes. Mhmm. Mhmm. Yep. Mhmm.\n\nMhmm. Mhmm. Mhmm. Yep. Yes.\n\nYes. Yes. Yes. Correct. Correct.\n\nYes. Yeah. Mhmm. Mhmm. Mhmm.\n\nCorrect. Mhmm. Mhmm. Yes. Yes.\n\nSame legislation. Same rules. Yes. Because it is a super fund, and they have to follow the CIS Act. That is the same for every super fund.\n\nSo that is something that they have complied with. When it comes to the rules and legislation reporting, that is the same for any super fund. Now with hub twenty four, they do have managed funds as well that we consider, which is, like, similar to Aware Super. So there are heaps and heaps and heaps of different managed funds as well to choose from. But when looking at them and constructing the portfolio, a lot of them are a little bit more expensive because they have that kind of active and buying, selling different investments, but it doesn't give us the same kind of transparency with what is actually within the investment because, obviously, that is kind of a a trademark sometimes to some of those portfolio managers.\n\nSo this is so it is something that we are continuously we're always reviewing. So we're always reviewing the repairs as well, but, obviously, that's a little bit riskier. So depends on, again, the level of risk, different ETFs. Because at the same time, we wanna make sure we keep the cost down. We don't want the fees to be too much.\n\nWe obviously wanna make sure it doesn't impact the returns. So we wanted a balance of keeping the fees down, which ETFs are a fantastic way of doing that, give you the diversification by also focusing on the returns. So with the different super funds as well, because you don't have the same level of diversification, so if anything tend to tend to happen, it would be predominantly when it comes to the investments and how things are obviously invested. But as you can see with the hub twenty four, the portfolio we have now recommended for both of you, it is very diversified. So if, let's say, something were to happen short term with The US market, you're not having everything in that.\n\nSo it's very diversified. Whereas with AwareSoup, you could have 90%. You could have 5%. We just don't know. Yep.\n\nCorrect. Yes. And you with the with the investments or with the appendix, you can also see all those things. So you can actually go and see because it is public for you. Even Hub twenty four is a public listed company.\n\nSo you can actually go and see if you wanted to see all those 500 companies on the iShares S and P 500. You can go and look at what all those 500 is. It is all there for you to look at. Mhmm. No.\n\nBecause it's all within Uber. So it's not the same as your personal investments. Yes. Yes. So you can see the the a so they in you say the a t I I code?\n\nYou can see that listed, like the hack IEU. That's the individual code for that. But it's very different to your personal investment where you need your test number. You need everything because it's individually in your name. This is just held in your super.\n\nSo with Aware Super, even though you're still invested, you don't have a test number. You don't have all of that because it's all within the super environment. The super trustee are then liable to make sure everything stays compliant, and they follow all the rules. So hub 20 hub yeah. Mhmm.\n\nHub 24. Hub twenty four. So Hub twenty four is is the platform. So it's the same with I'd like to sync your bank account. Like, they they that's where your money sorry.\n\nWe don't have it. So I can't be like, okay. I'll like, Oakview owns it. It's within Hub twenty four. We manage how things are invested, but there's, like, Hub twenty four because there's, like, hundreds of billions of funds.\n\nSo it's not like just Oakview specific. It's hundreds and hundreds of investors and and wholesale investors invest in Hub twenty four. So it's yeah. Correct. So Hub twenty four because they are giant.\n\nIt's not if something were to happen to Hub twenty four, which would be very unlikely, but if you were to see some other super funds, they obviously get acquired. So you would have potentially heard, like, Sunsuper, different investments within acquired by Australian Retirement Trust. They just buy buy super fund, and then members get transferred over through another super fund. So that's basically how it works. But, again what was that?\n\nSorry. 100 percent. Yes. So they have to follow Yes. Exactly.\n\nSo it is there. Correct. Yes. Correct. Correct.\n\nOften when something were to happen, it is more in regards to the investments as well. So you may have heard of, like, Shield Master Trust and kind of what happened with that. No. Yeah. There was some issues, but that was with that specific investment option.\n\nNow Hub twenty four did not allow that single investment option on their platform. So they obviously also have a lot of different rules to even allow an investment option to be available on that platform. For example, the Shield Master Trust, that investment was managed fund. That investment option was available with Macquarie and with Netwealth, for example, which you may have heard of Macquarie over to see massive. So what happened is that that the Shield Master Trust collapsed.\n\nPeople had some money invested in that investment option. The whole super didn't collapse, but, obviously, if you had a 100% in Shieldmaster Trust, obviously, not as diversified. But what they are then looking at doing now is then kind of paying back the customers that were affected by that, and that's obviously when the government and everything steps in. But that was with one single investment option. Like I said, Hub twenty four did not approve or allow that option on the platform.\n\nSo to even qualify to be a choice, if something were to happen, Hub twenty four will then take also their liability. They would then be responsible to pay back. So there's a lot of legislation and stuff in place to protect you guys. And like I said, I use Hub twenty four for my personal super as well. So when it comes to the protection, it would be same legislation, same rules that Aware Super has to follow, Australian Super has to follow, and Hub 24 has to follow as well.\n\nDoes that make sense? Yes. Mhmm. Mhmm. Yep.\n\nYep. Broader thing. Yep. Yep. Yep.\n\nYeah. Yeah. And also, again, that one option, it is 500 companies. So it's not like, like, if something were to happen to, let's say, NVIDIA or something would happen, you don't have everything invested in that option. As another company grows and gets bigger, it gets added to the 500, something smaller comes out.\n\nYou don't have to change your investments because you are just invested in the index tracking the largest 500. But, obviously, everything going on in the world, everything with AI and everything like that that's happened, US is definitely the forefront of that. And doing all the research, US is definitely still a good market to be in for the future. Now, obviously, for your investments, it is long term. You can't access it until you turn 60 at the earliest.\n\nSo, obviously, it is very much like that. But at the same time, we don't want a 100% invested in there because there's always going to be some short term fluctuations even when there's an election happening. You see a little bit of fluctuations in the market. The short term is not something we're concerned about unless there are some big structural issues happening in a market where we then to see that we wanna leave it. For example, like, with China a little while ago and everything like that.\n\nIf there's bigger things, then we wanna look at changing it. But in terms of opportunities, US is still very much a market that we foresee that there being a lot of long term growth opportunities, especially when you are looking at technology and AI and everything that's kind of evolving. They are very much the forefront of that. But that's not to say we wanna put everything there. Yep.\n\nBut, again, as things change, if there's ever you never know what's going to happen in the world. If things change, we obviously reconsider the position. Yep. Mhmm. Yep.\n\nMhmm. Yes. So before we were to do it, which you will see more in Alan's situation, because that's what we are doing for him, you will see that we factor in transaction fees, but which aren't very they're very minimal. But the biggest thing is capital gains tax because of how the investments are. Obviously, when you are selling investments, if they have gone up, there will be capital gains same as if you're selling your personal investment or investment property or anything like that.\n\nThere will be capital gains tax. Now it's not something you pay for personally because it's it's within superannuation, and it's not as much as you would have pay outside superannuation, but it is still a factor. So when we decide or recommend what we are going to do, we factor in all of that. So you will actually see for Alan's situation that there will be some capital gains tax with the recommendation, which I'll explain and go through. But then also factoring in we wanna minimize that as much as possible, but not to the detriment of just keeping you within an investment if long term that investment's going through kind of negate the capital gains tax.\n\nBut it's something that we have to consider all of it. We can't just be like, okay. Well, you've earned this much in this super fund. You have a, you know, 20,000 capital gains tax. Let's just move you.\n\nNo. Like, we have to factor in everything to be, like, what is going to be the best when it comes to the full disclosure of all fees. And that's when we were to do, like, a new statement of advice. So in Alan's situation, this is where where his situation comes in, where I have them made a recommendation considering all of that of what is going to be the best. So we can't just go to be like I can't just call you to be like, okay.\n\nCool. I wanna change this investment. I have to present every time we do personalized tailored advice, we have to present everything in a statement of advice. Can be a little bit tedious, but you just make sure that you are fully informed of everything and that everything has been considered. You have to then sign off on that before we can actually proceed with it.\n\nYes. Yes. Yes. No. It's good.\n\nI like it because that means that you are onto it. And that's good because that tells me also that you understand it and that you have a good concept of it. So I would rather you ask me and not. Okay. Probably not.\n\nHello? Yes. Of course, we can. Now let me have a look because, yes, there is quite a lot more, especially when it comes to contributions that get quite technical. And I wanna make sure we address everything together.\n\nSo when is another best time for you guys? Alright. So let me have a look. Yeah. So at the moment, I'm fully booked Monday, Tuesday.\n\nI have availability Wednesday. I have same time as today, if that works. Okay. Beautiful. Now because we kind of already touched on investments for both of you, obviously, if you have any questions, let me know.\n\nBut we can then tryna tryna go on to the other things. Again, once I've gone through everything, I will let you guys take your time to read over it. We can then book a follow-up. And then any other questions you have, we can definitely go through as well. But I don't wanna make Alan late to work, so I will let let you both go as well.\n\nYou can also have a read through these documents before now and next Wednesday if you want to. So if you do have any other questions, let me know. And that way, we can hopefully save a little bit of time. Next time, there's still a few things I do wanna go through to make sure you fully understand everything, go and explain it. But everything is very detailed in the document as well.\n\nIt gives you all the information so you guys can have a read over that. Alright. Perfect. Thank you so much, guys, both of you. I will let you go, and I will call you both back next Wednesday, July 1, which seems pretty crazy, at 08:30.\n\nI hope you have a lovely birthday, Quinn, and that you enjoy your little getaway. No. No worries. Like I said, I would rather you ask me the question than not and then be unsure about anything. So I would much rather you ask any questions.\n\nYeah. No. And you shouldn't. No. It's it's fair.\n\nIt's fair. And it's really really valid. It's like, at the end of the day, it's your retirement. It's your savings, and you wanna make sure that you make the best informed decisions for you. And that's also what we are here to do as well.\n\nNo. Exactly. Yes. Mhmm. And it's good to be conservative.\n\nIt's good to be guarded and not just blindly trust everything. But there are there's a lot of legislation in place to protect you. There's a lot of legislation in pray in place and compliance for an adviser. It is very heavily regulated, specific specifically with ASIC, but there's also, like, a lot of internal dispute resolution system. So there's a lot of things in place to make sure that what I'm doing is right for you, that I have all the relevant qualifications and legislation and all the compliance that I'm bound by, that Oakview is bound by as the licensee, and that we always act in your best interest.\n\nSo there's a lot in place. There's a lot of red tape in the industry, which can be tedious from a paperwork point of view, but that is just in place to protect the customers at the end of the day. Yep. Yeah. Oh, I'm the same.\n\nI would never sign anything. I even read five prints. So that's good. Yeah. Yes.\n\nMhmm. Yes. Yep. Yes. Continuing.\n\nMhmm. Mhmm. Yep. Yes. Doing the right thing.\n\nYep. Mhmm. Yeah. Yep. Yes.\n\nYeah. And and one of the things here, you can obviously go go on our website. You can read everything. Part of the document is that financial services guide, which shows you all the advisers. It shows you the directors.\n\nIt shows everybody. But one of the the good thing as well is with the under review. So how the legislation and stuff also work is that we can't just be like, let's say, you move overseas, don't tell us, or whatever it might be. We cannot keep charging fees. Every twelve months, you legally have to sign a document to say that you are happy to stay on for the next twelve months.\n\nIt is not a locking contract at any point in time. But even in any period of time during the twelve month, if you go to know what? This isn't for me anymore. There's no lock in contract. There's no excess fees or anything like that.\n\nBut if you don't sign that twelve month agreement every single twelve months, we can't just keep charting fees. You have to say, okay. I am happy with the last twelve months. During the under review, which, obviously, Alan can kind of go through from from the that point of view, is that we go actually through how your investments have performed, fees, where everything's at to give you that transparency so you can see, okay. Well, what's happened in the last twelve months?\n\nHow are things looking? Am I happy with the service? Am I happy with my returns? Am I happy with the investments? Whatever is happening, you then say, okay.\n\nI'm happy to stay on for the next twelve months. So it's not something that you commit to and then just off you go. It is something that you are doing. But like I said, I also have some clients that wants quarterly catch ups, six monthly catch ups, monthly catch ups. At the end of the day, how much how much communication you want with me and overview, it is up to you.\n\nSome people go twelve months is fine because, obviously, a lot can happen in twelve months, and that is fine. And every twelve months, we will send you the documents. Obviously, you have access to you have 24 where you can, like Allan said, see all the transactions, see the investments, keep a lookout on everything, all your individual investments, how they're performing. So it gives you that transparency. There's a lot of different reports features you can do.\n\nBut, again, during under review, we give you a snapshot of the last twelve months and go through where everything's at, how things are sitting, go through returns, and everything like that. And you have to then say, okay. I'm still happy. Let's sign another agreement and see where things go. Correct.\n\nYes. Yes. Yes. Yes. Everything.\n\nYes. And it also needs to yes. Everything. Yes. And it also means that you can call me whenever you want to for any specific questions even if you just wanna be like, hey.\n\nI'm looking at doing this, so I want to talk about this. The reason we do it this way as well is that we find that a lot more clients are more communicative than if we were to do it, let's say, the lawyer way where you just charge a yearly sometimes hourly fee. What tends to happen sometimes so you just charge for like, let's say, if you wanna book an appointment and talk about something, you obviously have to pay that consultation fee. What can happen with that is that clients decide not to contact if there is something that we could actually help them through because they don't wanna pay for it. So having the same flat fee for the year, so the same ongoing advice fee, means that you will also be more proactive.\n\nYou are more inclined to give me a call if you have any questions, if there's anything you're looking at doing because there's no additional fees and charges whatsoever. So that means that we can stay on top of everything and make sure that everything are continued through aligning with you if things are changing. Because if, let's say, you were through you made redundant or change and you don't tell us anything, you know, that could impact things. That could impact the potentially some obviously, your super growth if you are off work for a very long period of time. If you guys buy another property, investment property, if you guys start a family, whatever it might be, that could change situation for you.\n\nSo we want you to call us if something wanna happen. We can reassess everything and work together. But even sometimes, if people are like, oh, I wanna talk about this, or I want some cash on budgeting guidance, or I want this, you can call us whenever you want through, and there's no additional fees and charges. It's all part of that ongoing management. Yes.\n\nYes and no. No. Because we we don't charge a performance fee. So, obviously, some fund managers charge a performance fee. We don't.\n\nHow the ongoing advice fee work is that it is a percentage of your super balance. Obviously, as your superannuation balance fluctuates, that dollar value can fluctuate. If it's a dip in the market and your super balance go down at the time, we'll get paid less. As the super balance continues to grow, it will obviously increase. So at the same time, it is that kind of mutually beneficial agreement that the more super you have, the more, obviously, we get paid at the same time.\n\nThat it is not, like, a performance based, that it is based on your super balance. Does that make sense? Correct. Yes. Correct.\n\nCorrect. Correct. And that can fluctuate a little bit depending on, obviously, your super balance. Now we normally display it as a yearly figure, but it is not a deductible yearly. It is charged on a monthly basis to make it more fair to you with the market fluctuations.\n\nBut then also so it's not like you pay for twelve months and then you locked in. It is a monthly fee that comes out. So you will see it monthly come out. But for this, we show you that approximate yearly fee, but it is not like one off fee that comes out once a year. It is just like a monthly.\n\nCorrect. Yeah. Yeah. And it's all in the document as well, and we can go through it a little bit too because there's been a because, obviously, if you and Alan are both a client, there is a bit of a discount on the fees, which is great to make it a little bit more affordable for both of you. But I'll go through all of that with Alan as well next Wednesday.\n\nBut you can also have a read through this document, like I said, before Wednesday if you have capacity to do that. If not, we'll go through everything together next Wednesday. And then following that, I'll still give you guys time to obviously read over anything, and we can go through any further questions after that as well. Oh, good. Yeah.\n\nYep. Yep. Yes. Yeah. Oh, I'm glad.\n\nI'm really glad. And and and that's it. Like, I'm an employee of Oakview. I don't get paid commission. I don't get paid more or less if you and Allan decide to take the advice or not.\n\nThat's not it. It's just a flat salary. So my job is to help educate you guys, do the best for you guys, but I don't get to incentivize in any way, shape, or form whatsoever depending on what you guys decide. Yeah. Well, thank you so much for your no.\n\nOf course. And that's you know, I'm I'm very much like you. I'm very I think we're quite similar. And at the end of the day, trust is a massive thing. Transparency is a massive thing.\n\nCommunication is a massive thing. So and it's money. You know, you wanna have that true. Wanna have transparency. You wanna have communication.\n\nYou wanna have the trust. So I'm glad that you feel that way. That makes me really happy as well. So I will let you go, get on with you today, Quinn, and I will call both of you next Wednesday at 08:30 to kind of continue everything, the rest with the advice strategy for you. Yeah.\n\nYou too, and enjoy your birthday, and we'll speak next Wednesday. No worries. Speak soon. Bye.","paragraphs":[{"sentences":[{"text":"Good morning.","start":2.3999999,"end":2.8799999,"sentiment":"neutral","sentiment_score":0.19628836959600449},{"text":"Is this Quinn?","start":2.8799999,"end":3.78,"sentiment":"neutral","sentiment_score":0.0652502030134201},{"text":"Hello.","start":11.04,"end":11.5199995,"sentiment":"neutral","sentiment_score":0.009577369317412376},{"text":"Is this Quinn speaking?","start":11.5199995,"end":12.66,"sentiment":"neutral","sentiment_score":0.007137723616324365},{"text":"This is Veronica from Workview Financial.","start":14.495001,"end":16.675,"sentiment":"neutral","sentiment_score":0.07080920475224654}],"sentiment":"neutral","sentiment_score":0.06570692753302865,"num_words":16,"start":2.3999999,"end":16.675},{"sentences":[{"text":"How are you?","start":16.815,"end":17.635,"sentiment":"neutral","sentiment_score":0.07771539688110352},{"text":"Hi, Alan.","start":20.895,"end":21.695,"sentiment":"neutral","sentiment_score":0.123442392796278},{"text":"How are you?","start":21.695,"end":22.595001,"sentiment":"neutral","sentiment_score":0.141058882077535},{"text":"That's good.","start":24.895,"end":25.52,"sentiment":"positive","sentiment_score":0.5347955226898193},{"text":"How's your morning been?","start":25.52,"end":26.800001,"sentiment":"neutral","sentiment_score":0.15729597210884094}],"sentiment":"neutral","sentiment_score":0.18585589687739099,"num_words":14,"start":16.815,"end":26.800001},{"sentences":[{"text":"Been busy, or are you guys kind of just getting started?","start":26.800001,"end":29.460001,"sentiment":"neutral","sentiment_score":0.005598478019237518},{"text":"Yeah.","start":30.960001,"end":31.460001,"sentiment":"neutral","sentiment_score":0.19029028713703156},{"text":"Perfect.","start":32.08,"end":32.58,"sentiment":"positive","sentiment_score":0.3813481032848358},{"text":"Now I obviously had you both booked in to go over your strategy recommendation together.","start":34.32,"end":39.3,"sentiment":"neutral","sentiment_score":0.18001297066609065},{"text":"Now is still a good time for both of you?","start":40.454998,"end":42.555,"sentiment":"neutral","sentiment_score":0.22535982578992844}],"sentiment":"neutral","sentiment_score":0.14702669648747696,"num_words":38,"start":26.800001,"end":42.555},{"sentences":[{"text":"Yep.","start":43.655,"end":44.155,"sentiment":"neutral","sentiment_score":0.18975672125816345},{"text":"Perfect.","start":44.214996,"end":44.714996,"sentiment":"neutral","sentiment_score":0.2746651768684387},{"text":"Now before I do kind of jump into it, I do need to let you both know that the call is being recorded for quality and coaching purposes, if that's okay.","start":45.894997,"end":54.394997,"sentiment":"neutral","sentiment_score":0.003920617723657239},{"text":"Yeah.","start":54.57,"end":55.07,"sentiment":"neutral","sentiment_score":0.04952193796634674},{"text":"Perfect.","start":56.41,"end":56.91,"sentiment":"neutral","sentiment_score":0.1868598461151123}],"sentiment":"neutral","sentiment_score":0.02349550947546959,"num_words":35,"start":43.655,"end":56.91},{"sentences":[{"text":"And just to confirm I am speaking with the right person, just for security purposes, could I please get you both just to confirm your full name, date of birth, and address, please?","start":57.05,"end":68.67,"sentiment":"neutral","sentiment_score":0.06345762222102194},{"text":"Yep.","start":78.545,"end":79.045,"sentiment":"neutral","sentiment_score":0.027754172682762143},{"text":"Yep.","start":86.159996,"end":86.659996,"sentiment":"neutral","sentiment_score":0.09357958287000656},{"text":"Perfect.","start":86.799995,"end":87.299995,"sentiment":"neutral","sentiment_score":0.2493700385093689},{"text":"And do you have anything planned for your birthday, Quinn, coming up very shortly?","start":87.68,"end":91.78,"sentiment":"neutral","sentiment_score":0.08058480120130948}],"sentiment":"neutral","sentiment_score":0.07185985088348389,"num_words":50,"start":57.05,"end":91.78},{"sentences":[{"text":"Oh, lovely.","start":100.41499,"end":101.23499,"sentiment":"neutral","sentiment_score":0.28891851007938385},{"text":"That is so good.","start":102.09499,"end":103.134995,"sentiment":"positive","sentiment_score":0.5238890424370766},{"text":"It's actually my birthday tomorrow, so we're very close together.","start":103.134995,"end":106.115,"sentiment":"neutral","sentiment_score":0.21013320833444596},{"text":"Yeah.","start":107.9,"end":108.14,"sentiment":"neutral","sentiment_score":0.22475188970565796},{"text":"It's like everything's happening in June, isn't it?","start":108.14,"end":110.799995,"sentiment":"neutral","sentiment_score":0.1313916426151991}],"sentiment":"neutral","sentiment_score":0.24202441215515136,"num_words":25,"start":100.41499,"end":110.799995},{"sentences":[{"text":"Now do you guys have access to your emails at the moment?","start":113.34,"end":116.32,"sentiment":"neutral","sentiment_score":0.021767668891698122},{"text":"Yep.","start":118.14,"end":118.64,"sentiment":"neutral","sentiment_score":0.05625021457672119},{"text":"Now I have sent you both a document.","start":119.82,"end":122.134995,"sentiment":"neutral","sentiment_score":0.05101910000666976},{"text":"You will get one copy each.","start":122.755,"end":125.09499,"sentiment":"neutral","sentiment_score":0.04093531798571348},{"text":"It is exactly the same document, though.","start":125.475,"end":127.634995,"sentiment":"neutral","sentiment_score":0.05276892440659659}],"sentiment":"neutral","sentiment_score":0.039429688826203346,"num_words":34,"start":113.34,"end":127.634995},{"sentences":[{"text":"So if you guys just wanna access it on one phone or computer and look it together, completely up to you guys.","start":127.634995,"end":133.715,"sentiment":"neutral","sentiment_score":0.14500915868715805},{"text":"But it is the same one.","start":133.715,"end":135.175,"sentiment":"neutral","sentiment_score":0.12130412086844444},{"text":"Yep.","start":135.27,"end":135.77,"sentiment":"neutral","sentiment_score":0.19148993492126465},{"text":"Now let me know if that came through okay to you guys as well.","start":137.91,"end":142.09,"sentiment":"neutral","sentiment_score":0.31191031847681316},{"text":"Perfect.","start":145.67,"end":146.17,"sentiment":"positive","sentiment_score":0.6206796169281006}],"sentiment":"neutral","sentiment_score":0.20674864151938396,"num_words":44,"start":127.634995,"end":146.17},{"sentences":[{"text":"Yep.","start":148.80501,"end":149.30501,"sentiment":"neutral","sentiment_score":0.12618765234947205},{"text":"It might take a minute sometimes to load as well because it is quite a lot of documents.","start":152.325,"end":157.30501,"sentiment":"neutral","sentiment_score":0.011552134011354711},{"text":"A lot of it is just compliance and research.","start":158.565,"end":161.145,"sentiment":"neutral","sentiment_score":-0.04729406949546602},{"text":"So I won't go through everything because, otherwise, I'll keep you here all day.","start":161.61,"end":165.07,"sentiment":"neutral","sentiment_score":0.1043708303145},{"text":"But I'll go through all the important information, and then I'll let you guys both obviously take some time afterwards and have a read through everything as well.","start":165.29,"end":173.23,"sentiment":"neutral","sentiment_score":0.2242536454328469}],"sentiment":"neutral","sentiment_score":0.10926818765167678,"num_words":70,"start":148.80501,"end":173.23},{"sentences":[{"text":"And when you do get access to the emails, it will ask you to click the link where it says sign now, but it will allow you to open up and view everything first before it would prompt you to sign anything.","start":176.185,"end":189.405,"sentiment":"neutral","sentiment_score":0.17786148438851038},{"text":"Yep.","start":189.6,"end":190.1,"sentiment":"neutral","sentiment_score":0.10618152469396593},{"text":"And when it does load, you should have the first document saying statement of the device on the cover page.","start":195.12001,"end":202.98001,"sentiment":"neutral","sentiment_score":0.09930997472256423},{"text":"Yes.","start":203.395,"end":203.795,"sentiment":"neutral","sentiment_score":0.22303809225559235},{"text":"Perfect.","start":203.795,"end":204.275,"sentiment":"positive","sentiment_score":0.4319040179252625}],"sentiment":"neutral","sentiment_score":0.15719239190220832,"num_words":65,"start":176.185,"end":204.275},{"sentences":[{"text":"So you guys can both see that okay?","start":204.275,"end":206.215,"sentiment":"neutral","sentiment_score":0.1431954875588417},{"text":"Yep.","start":207.475,"end":207.955,"sentiment":"neutral","sentiment_score":0.1679379940032959},{"text":"Perfect.","start":207.955,"end":208.455,"sentiment":"positive","sentiment_score":0.4518817067146301},{"text":"So I've put together this strategy for both of you that I believe are best going to achieve your goals and your objectives.","start":208.755,"end":215.895,"sentiment":"positive","sentiment_score":0.42259194539940875},{"text":"But at the end of the day, though, they are just recommendations.","start":216.51999,"end":219.58,"sentiment":"neutral","sentiment_score":0.04768287514646848}],"sentiment":"neutral","sentiment_score":0.26793761882517075,"num_words":45,"start":204.275,"end":219.58},{"sentences":[{"text":"It is completely up to you guys if you're not implement all of it, some of it, or none of it at the end of the day.","start":220.2,"end":226.62,"sentiment":"neutral","sentiment_score":0.05449873057228548},{"text":"Now on the cover page here as well, you will see my details listed.","start":228.12,"end":232.925,"sentiment":"neutral","sentiment_score":0.09698550961911678},{"text":"You will see my authorized representative number as well, and I am licensed under HP Financial.","start":232.985,"end":239.32501,"sentiment":"neutral","sentiment_score":0.11436678376048803},{"text":"And this advice here as well has been tailored specifically just for you guys as well.","start":239.945,"end":244.62,"sentiment":"neutral","sentiment_score":0.19647929817438126},{"text":"Yep.","start":245.98,"end":246.45999,"sentiment":"neutral","sentiment_score":0.15555185079574585}],"sentiment":"neutral","sentiment_score":0.10754529759287834,"num_words":74,"start":220.2,"end":246.45999},{"sentences":[{"text":"Perfect.","start":246.45999,"end":246.94,"sentiment":"positive","sentiment_score":0.4257343113422394},{"text":"Now if at any point in time I'm going through anything too quickly or if you have any questions, just interrupt me and let me know.","start":246.94,"end":254.06,"sentiment":"neutral","sentiment_score":0.11002136938847028},{"text":"Okay?","start":254.06,"end":254.56,"sentiment":"neutral","sentiment_score":0.08621618896722794},{"text":"Yep.","start":255.73999,"end":256.24,"sentiment":"neutral","sentiment_score":0.09047558903694151},{"text":"Now if you can scroll on the second page for me, it outlines the best interest duty.","start":256.54,"end":262.845,"sentiment":"neutral","sentiment_score":0.13004784636637745}],"sentiment":"neutral","sentiment_score":0.12334337134076201,"num_words":46,"start":246.45999,"end":262.845},{"sentences":[{"text":"Can you see that?","start":262.845,"end":263.98502,"sentiment":"neutral","sentiment_score":0.11112183891236782},{"text":"Yeah.","start":265.08502,"end":265.565,"sentiment":"neutral","sentiment_score":0.023032503202557564},{"text":"Have either of you heard of this before?","start":265.565,"end":267.58502,"sentiment":"neutral","sentiment_score":-0.003107699449174106},{"text":"Probably from last time.","start":270.605,"end":271.825,"sentiment":"neutral","sentiment_score":-0.0015161256305873394},{"text":"Yeah.","start":274.04,"end":274.54,"sentiment":"neutral","sentiment_score":0.04610741883516312}],"sentiment":"neutral","sentiment_score":0.026816732198413875,"num_words":18,"start":262.845,"end":274.54},{"sentences":[{"text":"Yeah.","start":275.16,"end":275.66,"sentiment":"neutral","sentiment_score":0.059066466987133026},{"text":"But, Bitcoin, basically, for your reference, what it means is that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice.","start":276.44,"end":289.755,"sentiment":"neutral","sentiment_score":0.10686752256006002},{"text":"Otherwise, we can't actually make the recommendation.","start":290.215,"end":292.475,"sentiment":"neutral","sentiment_score":-0.13905299029179982},{"text":"Now if I don't act in your best interest, then I will lose my license.","start":293.415,"end":297.515,"sentiment":"negative","sentiment_score":-0.5975855171680451},{"text":"And if I lose my license, I will lose my job, and my husband at home won't be too happy with me.","start":297.575,"end":302.74002,"sentiment":"negative","sentiment_score":-0.6519038866866719}],"sentiment":"neutral","sentiment_score":-0.23465025679153553,"num_words":85,"start":275.16,"end":302.74002},{"sentences":[{"text":"There's a lot in place to protect you guys, essentially.","start":302.74002,"end":305.80002,"sentiment":"neutral","sentiment_score":-0.3327486053109169},{"text":"Now it is also valid for sixty days as well.","start":307.30002,"end":310.34003,"sentiment":"neutral","sentiment_score":0.2057354435324669},{"text":"So you do have some time to have a read every over everything as well and decide what you want to do.","start":310.34003,"end":315.72,"sentiment":"neutral","sentiment_score":0.16225722533735362},{"text":"If you do want more time, though, just let me know because I'll have to just reconfirm and update everything so it's still relevant.","start":316.245,"end":324.025,"sentiment":"neutral","sentiment_score":0.056146583519876},{"text":"Okay?","start":324.48502,"end":324.98502,"sentiment":"neutral","sentiment_score":0.07910652458667755}],"sentiment":"neutral","sentiment_score":0.055614206995537034,"num_words":67,"start":302.74002,"end":324.98502},{"sentences":[{"text":"Yep.","start":325.605,"end":326.105,"sentiment":"neutral","sentiment_score":0.10607626289129256},{"text":"Now I'll ask you then scroll through the next page.","start":327.125,"end":329.465,"sentiment":"neutral","sentiment_score":0.0814087636768818},{"text":"Table of content, pretty self self explanatory.","start":329.68,"end":332.41998,"sentiment":"neutral","sentiment_score":0.09710662599120821},{"text":"You can see that I are a few things, so I will try my best to make this as quickly as I can for you.","start":333.28,"end":339.94,"sentiment":"neutral","sentiment_score":0.14828012704849244},{"text":"Yep.","start":341.36,"end":341.86,"sentiment":"neutral","sentiment_score":0.07941573858261108}],"sentiment":"neutral","sentiment_score":0.12241657264530659,"num_words":44,"start":325.605,"end":341.86},{"sentences":[{"text":"Now on the next page, you should see scope of advice.","start":342.465,"end":346.165,"sentiment":"neutral","sentiment_score":0.0780537673695521},{"text":"Can you see that?","start":346.305,"end":347.285,"sentiment":"neutral","sentiment_score":0.060056909918785095},{"text":"Yep.","start":348.625,"end":349.125,"sentiment":"neutral","sentiment_score":0.07055304944515228},{"text":"Now, basically, what this means is the areas we are looking at in this statement of the device, but it does not mean that there's not other things we can't look at down the track.","start":349.265,"end":358.86,"sentiment":"neutral","sentiment_score":0.07652190593736512},{"text":"Simply today, though, we are looking at both of your superannuation to cross off on those goals.","start":359.48,"end":365.1,"sentiment":"neutral","sentiment_score":0.20284254060072057}],"sentiment":"neutral","sentiment_score":0.10729355923831463,"num_words":68,"start":342.465,"end":365.1},{"sentences":[{"text":"Also, investments within superannuation, so what you are currently invested in versus what I have recommended.","start":365.63998,"end":372.175,"sentiment":"neutral","sentiment_score":0.13918163673952222},{"text":"Different contribution strategies for both of you as well to make sure we can have everything as tax effective and optimized for both of you.","start":373.35498,"end":382.2,"sentiment":"positive","sentiment_score":0.3590949648618698},{"text":"And then I have also just included some information in regards to estate planning as well just to make sure that's all set up correctly for both of you as well.","start":382.2,"end":390.6,"sentiment":"neutral","sentiment_score":0.30372921113044987},{"text":"Does that all make sense?","start":390.6,"end":391.82,"sentiment":"neutral","sentiment_score":0.213258296251297},{"text":"Yep.","start":393.08002,"end":393.58002,"sentiment":"neutral","sentiment_score":0.18681105971336365}],"sentiment":"neutral","sentiment_score":0.28042292814606273,"num_words":78,"start":365.63998,"end":393.58002},{"sentences":[{"text":"Perfect.","start":393.64,"end":394.14,"sentiment":"neutral","sentiment_score":0.14244258403778076},{"text":"Now as you scroll through, you will then see a limited scope.","start":394.615,"end":398.715,"sentiment":"neutral","sentiment_score":-0.020718412939459085},{"text":"It talks about insurances there for you, Alan.","start":399.095,"end":401.675,"sentiment":"neutral","sentiment_score":-0.021451115608215332},{"text":"Not making any changes in regards to your insurances.","start":401.735,"end":404.715,"sentiment":"neutral","sentiment_score":-0.2606634861893124},{"text":"It is just included here just so that you can see the impact your insurances has on the super recommendation, essentially.","start":405.335,"end":412.37,"sentiment":"neutral","sentiment_score":0.25615923248586203}],"sentiment":"neutral","sentiment_score":0.05403108255682038,"num_words":51,"start":393.64,"end":412.37},{"sentences":[{"text":"Yep.","start":414.03,"end":414.53,"sentiment":"neutral","sentiment_score":0.04386138170957565},{"text":"And then there are not considered.","start":415.31,"end":417.22998,"sentiment":"neutral","sentiment_score":-0.1277812955280145},{"text":"So for you, Quinn, not looking at insurances in this point.","start":417.22998,"end":420.27,"sentiment":"neutral","sentiment_score":-0.17819628525863995},{"text":"You're pretty self insured.","start":420.27,"end":421.55,"sentiment":"neutral","sentiment_score":-0.10275296680629253},{"text":"But if that ever changes down the track and you want to look at it, just let us know.","start":421.55,"end":426.665,"sentiment":"neutral","sentiment_score":0.008116038614197782}],"sentiment":"neutral","sentiment_score":-0.07170226006973081,"num_words":41,"start":414.03,"end":426.665},{"sentences":[{"text":"Same goes if you guys do wanna revisit any of your personal investments or look at other strategies down the track as well as everything is set up.","start":427.045,"end":435.36502,"sentiment":"neutral","sentiment_score":0.10175533619310174},{"text":"We can definitely have a look at that for you as well.","start":435.36502,"end":437.91,"sentiment":"positive","sentiment_score":0.41807995984951657},{"text":"Yep.","start":439.27,"end":439.77,"sentiment":"neutral","sentiment_score":0.1245463415980339},{"text":"Now if you can then scroll through page eight for me, you should see a heading where it says limited advice and are advised to you.","start":440.31,"end":448.73,"sentiment":"neutral","sentiment_score":0.033492003567516804},{"text":"Yep.","start":450.405,"end":450.905,"sentiment":"neutral","sentiment_score":0.04217202216386795}],"sentiment":"neutral","sentiment_score":0.13093557923703508,"num_words":68,"start":427.045,"end":450.905},{"sentences":[{"text":"So limited advice essentially just refers back to what I touched on, so scoping in and what we are scoping out.","start":451.04498,"end":458.185,"sentiment":"neutral","sentiment_score":0.04584141590055965},{"text":"But I do also have to let you know that I'm not a legal practitioner.","start":458.405,"end":462.345,"sentiment":"neutral","sentiment_score":-0.17914391259352366},{"text":"I can't actually give you any legal advice.","start":462.72498,"end":465.145,"sentiment":"negative","sentiment_score":-0.3833794370293617},{"text":"Can definitely give you guidance in regards to how to structure your beneficiaries for super and insurances, but I can't actually give you any legal advice.","start":465.62,"end":473.38,"sentiment":"neutral","sentiment_score":-0.1701172057252664},{"text":"So if that is something that you guys ever need, I would just have to refer you to a lawyer.","start":473.38,"end":477.48,"sentiment":"negative","sentiment_score":-0.3596977338194847}],"sentiment":"neutral","sentiment_score":-0.18231696084969573,"num_words":90,"start":451.04498,"end":477.48},{"sentences":[{"text":"Yep.","start":478.91498,"end":479.41498,"sentiment":"neutral","sentiment_score":0.09700974076986311},{"text":"Now underneath that, you can then see the actual strategies.","start":479.875,"end":483.655,"sentiment":"neutral","sentiment_score":0.08969703614711762},{"text":"So you can see that there are a fair few things I have recommended, but I will go through these in details as we go through them.","start":483.79498,"end":491.07498,"sentiment":"neutral","sentiment_score":0.1806224941931389},{"text":"Okay?","start":491.07498,"end":491.57498,"sentiment":"neutral","sentiment_score":0.05118665099143982},{"text":"Yep.","start":493.49002,"end":493.89,"sentiment":"neutral","sentiment_score":0.08882676064968109}],"sentiment":"neutral","sentiment_score":0.15027002142742277,"num_words":40,"start":478.91498,"end":493.89},{"sentences":[{"text":"Now if you can then scroll through.","start":493.89,"end":495.81,"sentiment":"neutral","sentiment_score":0.06476834150297302},{"text":"So, basically, the next two pages, it's just some personal information in regards to both of you just that we collected from the search line.","start":495.81,"end":505.19,"sentiment":"neutral","sentiment_score":0.08736494556069374},{"text":"If you can just have a quick read over that just to make sure that's all up to date or if I need to make any changes in the back end.","start":505.485,"end":513.025,"sentiment":"neutral","sentiment_score":0.10462443554593671},{"text":"Same just goes for the lifestyle assets and liability table as well.","start":513.245,"end":517.26,"sentiment":"neutral","sentiment_score":0.1328385192900896},{"text":"And that was obviously at the time we did FactFone.","start":517.34,"end":519.60004,"sentiment":"neutral","sentiment_score":0.04167395289987326}],"sentiment":"neutral","sentiment_score":0.09284307402284707,"num_words":85,"start":493.89,"end":519.60004},{"sentences":[{"text":"So, obviously, sometimes assets can vary and change a little bit, which is fine.","start":519.98,"end":524.4,"sentiment":"neutral","sentiment_score":0.021980869716831615},{"text":"Yep.","start":527.5,"end":528.0,"sentiment":"neutral","sentiment_score":0.08537861704826355},{"text":"Perfect.","start":528.14,"end":528.64,"sentiment":"neutral","sentiment_score":-0.2689208984375},{"text":"100%.","start":541.03503,"end":541.935,"sentiment":"neutral","sentiment_score":0.0338188111782074},{"text":"Now I have recommended a different type of spousal contribution, not contribution splitting, which we spoke about last time.","start":542.35,"end":551.57,"sentiment":"neutral","sentiment_score":-0.00432398042788631}],"sentiment":"neutral","sentiment_score":0.0021070299359659352,"num_words":36,"start":519.98,"end":551.57},{"sentences":[{"text":"But I will explain the difference because the contribution splitting just wasn't tax effective for you, Alan, but the also contribution was.","start":551.79,"end":564.085,"sentiment":"neutral","sentiment_score":-0.026840199970386246},{"text":"So I have recommended it.","start":564.085,"end":565.685,"sentiment":"neutral","sentiment_score":0.1783202350139618},{"text":"Like you said as well, it is a recommendation.","start":565.685,"end":567.945,"sentiment":"neutral","sentiment_score":0.14812839693493313},{"text":"You can then decide what parts you want to take or what parts you don't want to take at the end of the day.","start":568.245,"end":574.29,"sentiment":"neutral","sentiment_score":0.05352068149174253},{"text":"Yeah.","start":575.07,"end":575.57,"sentiment":"neutral","sentiment_score":0.0022470951080322266}],"sentiment":"neutral","sentiment_score":0.04788550490238627,"num_words":61,"start":551.79,"end":575.57},{"sentences":[{"text":"Yeah.","start":575.79,"end":576.29,"sentiment":"neutral","sentiment_score":-0.01743471249938011},{"text":"Yeah.","start":578.58997,"end":578.99,"sentiment":"neutral","sentiment_score":-0.03292950242757797},{"text":"No.","start":578.99,"end":579.31,"sentiment":"neutral","sentiment_score":-0.023753492161631584},{"text":"That's okay.","start":579.31,"end":580.11,"sentiment":"neutral","sentiment_score":0.19563640654087067},{"text":"And it does get quite contribution, it is it is great.","start":580.11,"end":582.91,"sentiment":"neutral","sentiment_score":0.24527170847762714}],"sentiment":"neutral","sentiment_score":0.18844649370294064,"num_words":16,"start":575.79,"end":582.91},{"sentences":[{"text":"There's so many different things you can do, but it also get quite complex.","start":582.91,"end":586.305,"sentiment":"neutral","sentiment_score":0.050785778888634274},{"text":"So I will try to go through and I have actually three different contribution strategies for both of you today, so it is a lot.","start":586.525,"end":593.185,"sentiment":"neutral","sentiment_score":0.23040343642234803},{"text":"I'll go through it as as best as I can.","start":593.965,"end":596.045,"sentiment":"neutral","sentiment_score":0.27361147850751877},{"text":"And then like I said, everything is quite detailed in this document So you guys can then go back later when there's not so much information overload and have a read over everything in detail as well.","start":596.045,"end":607.41003,"sentiment":"neutral","sentiment_score":0.13195878670022293},{"text":"Yep.","start":608.67004,"end":609.17004,"sentiment":"neutral","sentiment_score":0.24009785056114197}],"sentiment":"neutral","sentiment_score":0.1647100523970593,"num_words":87,"start":582.91,"end":609.17004},{"sentences":[{"text":"Perfect.","start":609.31,"end":609.81,"sentiment":"positive","sentiment_score":0.42224618792533875},{"text":"Now, essentially, if you can then scroll to page 11, it just shows your current situation.","start":610.11005,"end":615.89,"sentiment":"neutral","sentiment_score":0.1875667916610837},{"text":"So you can see there, Alan, you have your super with hub twenty four at the moment.","start":616.725,"end":621.285,"sentiment":"neutral","sentiment_score":0.1506104364114649},{"text":"You do have some insurances with Tyler attached, which you can see underneath it.","start":621.285,"end":625.945,"sentiment":"neutral","sentiment_score":0.1377786642738751},{"text":"You can see your super balance, and then Queen, same for you.","start":626.165,"end":629.73,"sentiment":"neutral","sentiment_score":0.20109938209255537}],"sentiment":"neutral","sentiment_score":0.17209643597404162,"num_words":60,"start":609.31,"end":629.73},{"sentences":[{"text":"You have your super with Aware Super, and you don't have any insurance.","start":629.73,"end":632.94995,"sentiment":"neutral","sentiment_score":0.16769663932231757},{"text":"Yep.","start":634.61,"end":635.11,"sentiment":"neutral","sentiment_score":0.017482368275523186},{"text":"Now when it comes to page 12, it talks a little bit about your risk profile.","start":636.13,"end":641.25,"sentiment":"neutral","sentiment_score":0.0021092123351991177},{"text":"Can you see that page?","start":641.25,"end":642.47,"sentiment":"neutral","sentiment_score":0.0025386780500411986},{"text":"Yep.","start":644.255,"end":644.735,"sentiment":"neutral","sentiment_score":0.25069132447242737}],"sentiment":"neutral","sentiment_score":0.06929641087642974,"num_words":36,"start":629.73,"end":644.735},{"sentences":[{"text":"Perfect.","start":644.735,"end":645.235,"sentiment":"positive","sentiment_score":0.6203690767288208},{"text":"So when we did go through your risk profile questionnaire, so kind of those type of questions to see how you feel about fluctuations and everything in the market, You both came out very much the same as a high growth investor, and we did agree that a high growth portfolio is going to be the most appropriate for both of you.","start":645.935,"end":666.12,"sentiment":"neutral","sentiment_score":0.322616315897434},{"text":"You both have plenty of time until retirement in order to take advantage of growing your superannuation as much as possible, and also for those short term fluctuations to come back around as well.","start":666.34,"end":679.44495,"sentiment":"neutral","sentiment_score":0.2860046384089133},{"text":"Does that make sense?","start":679.50494,"end":680.64496,"sentiment":"neutral","sentiment_score":0.18794628232717514},{"text":"Yep.","start":681.665,"end":682.165,"sentiment":"neutral","sentiment_score":0.2347782701253891}],"sentiment":"neutral","sentiment_score":0.307189233016734,"num_words":102,"start":644.735,"end":682.165},{"sentences":[{"text":"Perfect.","start":682.225,"end":682.725,"sentiment":"positive","sentiment_score":0.5847206115722656},{"text":"Now if you can then scroll down through page 14, it then starts about the first strategy, which is for you, Quinn, if you can see that.","start":683.41003,"end":694.07,"sentiment":"neutral","sentiment_score":0.23327968076423364},{"text":"Yep.","start":694.93,"end":695.235,"sentiment":"neutral","sentiment_score":0.11223658919334412},{"text":"So what I have recommended for you when it comes to your superannuation is to change your super from Aware Super into Hub twenty four.","start":695.71497,"end":706.535,"sentiment":"neutral","sentiment_score":0.1251142716407776},{"text":"Now you will have the best interest duty statement listed here, which is basically how that one acts in your best interest.","start":706.83496,"end":714.44995,"sentiment":"neutral","sentiment_score":0.17720127342776817}],"sentiment":"neutral","sentiment_score":0.1844972814188192,"num_words":76,"start":682.225,"end":714.44995},{"sentences":[{"text":"As you scroll through, you will also see advantages, disadvantages, risks, and alternatives considered.","start":715.06995,"end":722.05,"sentiment":"neutral","sentiment_score":0.08348432422748633},{"text":"I usually find the easiest way is if you can scroll down to page 18 for me.","start":722.745,"end":728.365,"sentiment":"neutral","sentiment_score":0.15016872961731517},{"text":"It basically summarizes everything in its table to make it a bit easier.","start":728.505,"end":733.16504,"sentiment":"neutral","sentiment_score":0.18502764059947088},{"text":"So let me know if you can see page 18, and then I'll kind of talk on those points.","start":735.32,"end":739.56006,"sentiment":"neutral","sentiment_score":0.08809677413419674},{"text":"So if we start here, you can see your current situation.","start":739.56006,"end":742.54004,"sentiment":"neutral","sentiment_score":0.12011081793091515}],"sentiment":"neutral","sentiment_score":0.12327116184137962,"num_words":74,"start":715.06995,"end":742.54004},{"sentences":[{"text":"You can see your current superannuation balance.","start":743.16003,"end":745.4,"sentiment":"neutral","sentiment_score":0.1445530014378684},{"text":"You can also see what you are currently paying for in fees.","start":745.4,"end":748.68005,"sentiment":"neutral","sentiment_score":0.04232292032490174},{"text":"Okay?","start":748.68005,"end":749.18005,"sentiment":"neutral","sentiment_score":0.03787720203399658},{"text":"Yep.","start":750.695,"end":751.195,"sentiment":"neutral","sentiment_score":0.04109852388501167},{"text":"So, currently, you are paying about 1,779 in fees per year, which is your admin fees, investment fees, and other fees associated with your Aware Super.","start":751.975,"end":763.755,"sentiment":"neutral","sentiment_score":0.042880591649848684}],"sentiment":"neutral","sentiment_score":0.057736535378276034,"num_words":47,"start":743.16003,"end":763.755},{"sentences":[{"text":"Now you can also see there your your high growth return on your current investment.","start":765.5,"end":770.88,"sentiment":"neutral","sentiment_score":0.23538893063863117},{"text":"So over the last five years, the current portfolio that you are invested in in Aware Super has performed at an average rate of return of 7.8%.","start":771.98,"end":784.025,"sentiment":"positive","sentiment_score":0.5467127440152345},{"text":"Now if you scroll down one page, you can actually see that forecasted for five and ten years.","start":785.045,"end":791.205,"sentiment":"neutral","sentiment_score":0.1764426843987571},{"text":"So you can see the current column that's just forecasted for five and ten years for you.","start":791.205,"end":797.06,"sentiment":"neutral","sentiment_score":0.22189335875651417},{"text":"Okay?","start":797.06,"end":797.56,"sentiment":"neutral","sentiment_score":0.15277716517448425}],"sentiment":"neutral","sentiment_score":0.3255514183487648,"num_words":78,"start":765.5,"end":797.56},{"sentences":[{"text":"Yep.","start":798.18,"end":798.68,"sentiment":"neutral","sentiment_score":0.17843344807624817},{"text":"Now if you scroll back up to then page 18, you can then see what I have recommended.","start":799.14,"end":804.76,"sentiment":"neutral","sentiment_score":0.11034490995936924},{"text":"So what I have recommended is hub 24.","start":805.3,"end":809.295,"sentiment":"neutral","sentiment_score":0.2141021080315113},{"text":"So when I did make the recommendation, I kind of weighted up what was going to be the best for for you specifically, but then also factoring in Alan's situation as well.","start":809.615,"end":820.355,"sentiment":"neutral","sentiment_score":0.2079281583428383},{"text":"And after doing that, I did consider, hub twenty four.","start":820.89496,"end":824.89,"sentiment":"neutral","sentiment_score":0.1608721546828747}],"sentiment":"neutral","sentiment_score":0.17594030877386313,"num_words":69,"start":798.18,"end":824.89},{"sentences":[{"text":"It is more a sophisticated platform.","start":825.20996,"end":827.63,"sentiment":"neutral","sentiment_score":0.24462122718493143},{"text":"I'm not sure if you've ever looked at Allan's account before that is all set up or how it works.","start":828.01,"end":833.63,"sentiment":"neutral","sentiment_score":0.10046254433691501},{"text":"The good thing with Hub twenty four as well and how that kind of also played into role with Alan's situation is that they offer family linking.","start":835.61,"end":843.565,"sentiment":"positive","sentiment_score":0.4921590133949562},{"text":"So, basically, what that means is that if you have two accounts so if you have, like, a a family with two accounts linked together, you can actually link them together to reduce your admin fee.","start":844.345,"end":856.0,"sentiment":"positive","sentiment_score":0.3385849930346012},{"text":"Because what they do is they then calculate on the total balance for both of you when they are charging the admin fee.","start":856.38,"end":864.045,"sentiment":"neutral","sentiment_score":0.29892333240612695}],"sentiment":"neutral","sentiment_score":0.319906857197306,"num_words":112,"start":825.20996,"end":864.045},{"sentences":[{"text":"So overall for both of you, it will make the cost a little bit cheaper, and that also made it a bit more effective than alternatives I considered for you.","start":864.605,"end":875.165,"sentiment":"positive","sentiment_score":0.4997298061847687},{"text":"That was quite similar to hub twenty four in terms of flexibility when it came to investment choices.","start":875.165,"end":881.49,"sentiment":"positive","sentiment_score":0.3660547700193193},{"text":"But because of the family link in, it did reduce the total fees a little bit for you for both of you.","start":882.18994,"end":889.08997,"sentiment":"positive","sentiment_score":0.4130118719556115},{"text":"But also, Hub twenty four, they offer something that is called aggregate trading.","start":890.285,"end":895.665,"sentiment":"neutral","sentiment_score":0.2605789200617717},{"text":"Basically, what that means is they can place all the investments together with one transaction, which does reduce the transaction fees, capital gains tax when they are selling different investments.","start":896.285,"end":906.93,"sentiment":"neutral","sentiment_score":0.31572693983713784}],"sentiment":"positive","sentiment_score":0.3851900476533755,"num_words":113,"start":864.605,"end":906.93},{"sentences":[{"text":"So, overall, that does reduce fees.","start":907.47,"end":909.65,"sentiment":"positive","sentiment_score":0.4559304763873418},{"text":"A lot of the other competitors don't offer that.","start":909.79,"end":912.35,"sentiment":"neutral","sentiment_score":0.02447915801571475},{"text":"So that kind of further reduces the fees overall.","start":912.35,"end":915.08997,"sentiment":"neutral","sentiment_score":0.07470546497239007},{"text":"Does that make sense?","start":915.23,"end":916.37,"sentiment":"neutral","sentiment_score":0.09975469298660755},{"text":"Yep.","start":917.665,"end":918.165,"sentiment":"neutral","sentiment_score":0.20619270205497744}],"sentiment":"neutral","sentiment_score":0.14598123928339318,"num_words":29,"start":907.47,"end":918.165},{"sentences":[{"text":"Perfect.","start":918.46497,"end":918.96497,"sentiment":"positive","sentiment_score":0.4606282711029053},{"text":"But I said sorry.","start":920.065,"end":921.745,"sentiment":"neutral","sentiment_score":-0.01888894382864237},{"text":"Did you have a question?","start":921.745,"end":922.70496,"sentiment":"neutral","sentiment_score":-0.028700662404298784},{"text":"Yeah.","start":922.70496,"end":923.20496,"sentiment":"neutral","sentiment_score":-0.008713719435036182},{"text":"The admin fee.","start":931.36,"end":932.66,"sentiment":"neutral","sentiment_score":-0.024185451368490856}],"sentiment":"neutral","sentiment_score":0.011449936444738082,"num_words":14,"start":918.46497,"end":932.66},{"sentences":[{"text":"The admin fee.","start":933.04,"end":934.0,"sentiment":"neutral","sentiment_score":-0.02309177288164695},{"text":"Yep.","start":934.0,"end":934.32,"sentiment":"neutral","sentiment_score":0.07729434967041016},{"text":"The admin fee.","start":934.32,"end":934.96,"sentiment":"neutral","sentiment_score":0.030075276891390484},{"text":"Because investment fees, they are just in regards to the individual investments.","start":934.96,"end":939.46,"sentiment":"neutral","sentiment_score":0.01566328915456931},{"text":"That doesn't really change with having multiple accounts because that's just a percentage of what you have invested in them.","start":940.08,"end":947.015,"sentiment":"neutral","sentiment_score":0.019830793607980013}],"sentiment":"neutral","sentiment_score":0.017508210351642888,"num_words":39,"start":933.04,"end":947.015},{"sentences":[{"text":"The admin fees is, like, usually your your flat fee or a percentage fee on your super balance.","start":947.23505,"end":953.015,"sentiment":"neutral","sentiment_score":0.058179877491460905},{"text":"So as your super balance grows, sometimes that gets more, but that can then be aggregated into the family linking, which you will actually see when I go through your table.","start":953.315,"end":962.88,"sentiment":"neutral","sentiment_score":0.1480025531303498},{"text":"You can see the admin fee difference by having the linking.","start":962.94,"end":966.56,"sentiment":"neutral","sentiment_score":0.0908839384263212},{"text":"Yeah.","start":966.86,"end":967.36,"sentiment":"neutral","sentiment_score":0.10071637481451036},{"text":"Yeah.","start":968.06,"end":968.56,"sentiment":"neutral","sentiment_score":0.10676628351211548}],"sentiment":"neutral","sentiment_score":0.11036327295005322,"num_words":62,"start":947.23505,"end":968.56},{"sentences":[{"text":"But it is a very good question.","start":968.62,"end":970.48,"sentiment":"neutral","sentiment_score":0.2719117445605142},{"text":"Yeah?","start":970.62,"end":971.055,"sentiment":"neutral","sentiment_score":0.23043742775917053},{"text":"Yes.","start":975.615,"end":976.115,"sentiment":"neutral","sentiment_score":0.038424547761678696},{"text":"Mhmm.","start":982.095,"end":982.595,"sentiment":"neutral","sentiment_score":0.0010757138952612877},{"text":"Yes.","start":983.55,"end":984.05,"sentiment":"neutral","sentiment_score":0.005070064216852188}],"sentiment":"neutral","sentiment_score":0.1980354514142329,"num_words":11,"start":968.62,"end":984.05},{"sentences":[{"text":"Not rollover, but it is the upfront advice fee if you decide to come on board.","start":987.47003,"end":992.67,"sentiment":"neutral","sentiment_score":-0.005842266138643026},{"text":"That's why that has been deducted.","start":992.67,"end":994.37,"sentiment":"neutral","sentiment_score":-0.0015534903698911269},{"text":"Yeah.","start":994.91003,"end":995.41003,"sentiment":"neutral","sentiment_score":0.05146502703428269},{"text":"So, yeah, so all of these here factors in everything for for you to show you net of everything.","start":995.87,"end":1002.28503,"sentiment":"neutral","sentiment_score":0.146466647715945},{"text":"So it factors in the upfront fee.","start":1002.28503,"end":1004.765,"sentiment":"neutral","sentiment_score":0.11556816101074219}],"sentiment":"neutral","sentiment_score":0.07225533184234281,"num_words":49,"start":987.47003,"end":1004.765},{"sentences":[{"text":"You can also see the adviser fee included on the Hub twenty four side, not on your current because you're not paying for anything.","start":1004.765,"end":1011.66504,"sentiment":"neutral","sentiment_score":0.07850653647134702},{"text":"So this kind of goes back to that best interest studio, making sure that when we are factoring in everything for you, you would still be in a better position.","start":1012.08,"end":1020.24,"sentiment":"neutral","sentiment_score":0.23029957686861355},{"text":"But that is a very good question.","start":1020.24,"end":1021.76,"sentiment":"positive","sentiment_score":0.42504523055894033},{"text":"It's not the rollover.","start":1021.76,"end":1023.06,"sentiment":"neutral","sentiment_score":-0.004002852831035852},{"text":"It is the upfront advice fee.","start":1023.84,"end":1026.5,"sentiment":"neutral","sentiment_score":0.037527227153380714}],"sentiment":"neutral","sentiment_score":0.16869877108280928,"num_words":71,"start":1004.765,"end":1026.5},{"sentences":[{"text":"Yep.","start":1026.9049,"end":1027.4049,"sentiment":"neutral","sentiment_score":0.021773431450128555},{"text":"Yes and no.","start":1039.4,"end":1040.28,"sentiment":"neutral","sentiment_score":-0.011772149552901586},{"text":"Sorry.","start":1040.28,"end":1040.6799,"sentiment":"neutral","sentiment_score":-0.05654439330101013},{"text":"The balance difference there for Quinn, that is just a one off fee.","start":1040.6799,"end":1045.4199,"sentiment":"neutral","sentiment_score":0.07001023624952023},{"text":"That would be the same with when you came on board, and that is just to implement everything.","start":1045.7999,"end":1050.84,"sentiment":"neutral","sentiment_score":0.24503415243493187}],"sentiment":"neutral","sentiment_score":0.14585167790452638,"num_words":36,"start":1026.9049,"end":1050.84},{"sentences":[{"text":"So, basically, obviously, everything up until you decide to come on board is completely complimentary.","start":1050.84,"end":1055.605,"sentiment":"positive","sentiment_score":0.5270280281702677},{"text":"It's completely free.","start":1055.985,"end":1057.125,"sentiment":"positive","sentiment_score":0.5756506323814392},{"text":"So the implementation fee, it basically covers everything through implement your advice, put everything into place, open all your accounts, and doing everything for you.","start":1057.265,"end":1067.4451,"sentiment":"positive","sentiment_score":0.4035960698127747},{"text":"But, obviously, it also pays for then, obviously, my time, research team, and admin team.","start":1067.5399,"end":1072.2,"sentiment":"positive","sentiment_score":0.3472241997718811},{"text":"That is a one off advice fee.","start":1072.34,"end":1075.0,"sentiment":"positive","sentiment_score":0.3608902565070561}],"sentiment":"positive","sentiment_score":0.42241336703300475,"num_words":65,"start":1050.84,"end":1075.0},{"sentences":[{"text":"So if you decide to come on BoardQueen, you will never have to pay that one, upfront fee ever again.","start":1075.0599,"end":1081.5599,"sentiment":"positive","sentiment_score":0.3919462591409683},{"text":"So with superannuation and any products, really, they are continuously ever changing.","start":1082.02,"end":1087.115,"sentiment":"positive","sentiment_score":0.41295960793892544},{"text":"There's new products and features that are coming out on the market.","start":1087.255,"end":1090.395,"sentiment":"neutral","sentiment_score":0.30120018869638443},{"text":"We are continuously doing research.","start":1090.775,"end":1092.775,"sentiment":"neutral","sentiment_score":0.26722201704978943},{"text":"So if I do research, let's say, in a couple of years and it turns out that there's a new competitor that is more competitive than Hub twenty four for you, and I put all the numbers together that shows you, well, okay, moving to this other Superfund is going to be better for you, You will not have to pay an upfront fee ever again.","start":1092.775,"end":1111.2251,"sentiment":"neutral","sentiment_score":0.2646626139228994}],"sentiment":"neutral","sentiment_score":0.30619726388350776,"num_words":115,"start":1075.0599,"end":1111.2251},{"sentences":[{"text":"It is just to come on board.","start":1111.2251,"end":1113.005,"sentiment":"neutral","sentiment_score":0.26618056637900217},{"text":"The 4 9.","start":1115.8651,"end":1116.8451,"sentiment":"neutral","sentiment_score":0.06531714151302974},{"text":"Correct.","start":1118.025,"end":1118.525,"sentiment":"neutral","sentiment_score":0.08633525669574738},{"text":"That that's the difference of $4.09 $5.00.","start":1118.5851,"end":1121.3251,"sentiment":"neutral","sentiment_score":0.05859588352697236},{"text":"Yeah.","start":1122.8301,"end":1123.3301,"sentiment":"neutral","sentiment_score":0.03565102070569992}],"sentiment":"neutral","sentiment_score":0.13638804480433464,"num_words":19,"start":1111.2251,"end":1123.3301},{"sentences":[{"text":"Correct.","start":1126.3501,"end":1126.8501,"sentiment":"neutral","sentiment_score":0.014978498220443726},{"text":"So that is still paid for 18?","start":1127.87,"end":1129.65,"sentiment":"neutral","sentiment_score":0.01300436763891152},{"text":"Yes.","start":1130.1901,"end":1130.6901,"sentiment":"neutral","sentiment_score":0.03542778640985489},{"text":"Yes.","start":1144.9249,"end":1145.4249,"sentiment":"neutral","sentiment_score":0.023171350359916687},{"text":"Yes.","start":1146.0449,"end":1146.125,"sentiment":"neutral","sentiment_score":0.015663359314203262}],"sentiment":"neutral","sentiment_score":0.016388324343345383,"num_words":11,"start":1126.3501,"end":1146.125},{"sentences":[{"text":"Sorry.","start":1146.125,"end":1146.625,"sentiment":"neutral","sentiment_score":-0.022842146456241608},{"text":"Hub.","start":1146.845,"end":1147.345,"sentiment":"neutral","sentiment_score":-0.011372179724276066},{"text":"Correct.","start":1148.5499,"end":1149.0299,"sentiment":"neutral","sentiment_score":0.07036115229129791},{"text":"That's right, Alan.","start":1149.0299,"end":1150.01,"sentiment":"neutral","sentiment_score":0.07536579668521881},{"text":"So the admin fees is associated directly with the platform hub twenty four.","start":1150.23,"end":1155.13,"sentiment":"neutral","sentiment_score":0.08365999391445747}],"sentiment":"neutral","sentiment_score":0.07104337563444126,"num_words":19,"start":1146.125,"end":1155.13},{"sentences":[{"text":"Investment fees are paying for your investments.","start":1155.4299,"end":1157.9299,"sentiment":"neutral","sentiment_score":0.07087533761348043},{"text":"That's through hub twenty four.","start":1158.23,"end":1159.785,"sentiment":"neutral","sentiment_score":0.02119443453848362},{"text":"Other fees is, like, sometimes they have transaction fees, and other hidden fees associated with the account, but there's nothing there in Hub twenty four.","start":1160.3451,"end":1169.385,"sentiment":"neutral","sentiment_score":-0.08677330330014228},{"text":"Now the adviser service fee, is that what you would pay us?","start":1169.385,"end":1173.86,"sentiment":"neutral","sentiment_score":-0.022542458803703386},{"text":"So that's what the one Alan touched on earlier, which is an ongoing advice fee.","start":1173.86,"end":1179.2999,"sentiment":"neutral","sentiment_score":0.029094412550330163}],"sentiment":"neutral","sentiment_score":-0.02189572443603538,"num_words":64,"start":1155.4299,"end":1179.2999},{"sentences":[{"text":"That is the only fee that you pay us ongoing.","start":1179.2999,"end":1183.32,"sentiment":"neutral","sentiment_score":0.01401596311479807},{"text":"Yep.","start":1183.86,"end":1184.36,"sentiment":"neutral","sentiment_score":0.09995479881763458},{"text":"Does that make sense?","start":1186.095,"end":1187.235,"sentiment":"neutral","sentiment_score":0.12851132825016975},{"text":"Yep.","start":1188.735,"end":1189.235,"sentiment":"neutral","sentiment_score":0.0569118969142437},{"text":"Now have you ever heard of Hub twenty four before, Quinn?","start":1190.015,"end":1194.1951,"sentiment":"neutral","sentiment_score":0.0153019278394905}],"sentiment":"neutral","sentiment_score":0.03627380911536791,"num_words":27,"start":1179.2999,"end":1194.1951},{"sentences":[{"text":"No.","start":1196.335,"end":1196.8151,"sentiment":"neutral","sentiment_score":-0.11671562492847444},{"text":"No.","start":1196.8151,"end":1197.3151,"sentiment":"neutral","sentiment_score":-0.08553043007850647},{"text":"Essentially, just for your reference, they have been around since about 2007, but they are also directly listed on the Australian Stock Exchange.","start":1198.44,"end":1206.86,"sentiment":"neutral","sentiment_score":0.04205230542499086},{"text":"And they do have it just under a 100 billions of dollars of funds under management.","start":1207.08,"end":1210.94,"sentiment":"neutral","sentiment_score":0.1086648793425411},{"text":"So, essentially, they are a massive conglomerate.","start":1211.355,"end":1213.855,"sentiment":"neutral","sentiment_score":0.12284945590155465}],"sentiment":"neutral","sentiment_score":0.07007377563665311,"num_words":48,"start":1196.335,"end":1213.855},{"sentences":[{"text":"They are one of the quickest growing superannuation platforms out there.","start":1214.5549,"end":1219.0549,"sentiment":"neutral","sentiment_score":0.2959041094238108},{"text":"I do use it for my personal superannuation as well.","start":1219.275,"end":1223.2949,"sentiment":"positive","sentiment_score":0.36747519969940184},{"text":"And they do have a lot of those kind of benefits associated with the account.","start":1223.7,"end":1228.52,"sentiment":"neutral","sentiment_score":0.2540382186571757},{"text":"But, essentially, though, it's just another super fund.","start":1229.38,"end":1231.96,"sentiment":"neutral","sentiment_score":-0.06793029140681028},{"text":"There's literally hundreds of them out there.","start":1232.1,"end":1234.44,"sentiment":"neutral","sentiment_score":-0.0018766325499330247}],"sentiment":"neutral","sentiment_score":0.19968022983155997,"num_words":51,"start":1214.5549,"end":1234.44},{"sentences":[{"text":"But also keep in mind that all super funds are pretty much the same thing.","start":1235.2999,"end":1239.535,"sentiment":"neutral","sentiment_score":0.018769220262765885},{"text":"The purpose is that they are just the administration services that hold your money until you can access it.","start":1239.675,"end":1246.555,"sentiment":"neutral","sentiment_score":0.04830581145851236},{"text":"So until you turn 60, for example, and stop working, that's the function of it.","start":1246.555,"end":1251.455,"sentiment":"neutral","sentiment_score":0.027692143122355142},{"text":"What really matters and what makes it different is what you can actually invest the money into within the fund itself.","start":1251.59,"end":1259.13,"sentiment":"neutral","sentiment_score":0.13002346881798335},{"text":"So it's not like Aware Super or Hub twenty four or Australian Super, any super funds really that gets those returns and make your money grow, it is the actual investment options within the fund itself that gets those returns for you.","start":1259.91,"end":1275.745,"sentiment":"neutral","sentiment_score":0.18225983583501407}],"sentiment":"neutral","sentiment_score":0.10714407873872135,"num_words":112,"start":1235.2999,"end":1275.745},{"sentences":[{"text":"Does that make sense?","start":1275.745,"end":1276.805,"sentiment":"neutral","sentiment_score":0.1436615064740181},{"text":"Yeah.","start":1278.305,"end":1278.7051,"sentiment":"neutral","sentiment_score":0.18818998336791992},{"text":"So with Aware Super as well, when you did have a look at your investments, I know you did change yours to high growth as well.","start":1278.7051,"end":1285.2,"sentiment":"neutral","sentiment_score":0.19295799846832568},{"text":"You would have seen that there was maybe ten, twenty different investment options that you could have picked from.","start":1285.2,"end":1290.74,"sentiment":"neutral","sentiment_score":0.14761608211617722},{"text":"With Hub twenty four, there's hundreds and hundreds of different investment choices all the way down to direct shares as well.","start":1291.6,"end":1298.645,"sentiment":"positive","sentiment_score":0.34688830091839745}],"sentiment":"neutral","sentiment_score":0.22350850491456584,"num_words":71,"start":1275.745,"end":1298.645},{"sentences":[{"text":"And that's what makes it so competitive is how we can then construct your investment portfolio because of all those choices.","start":1298.785,"end":1306.885,"sentiment":"positive","sentiment_score":0.616806998139336},{"text":"Now you will see as well here that the cost is more with Hub 24 than with Aware Super, and it is because it is more of that sophisticated platform and allows us to do a lot more with your investments.","start":1308.39,"end":1321.8501,"sentiment":"positive","sentiment_score":0.4290342603514834},{"text":"But, obviously, something to be mindful of that the total cost is more than Aware Super.","start":1322.565,"end":1328.0249,"sentiment":"neutral","sentiment_score":-0.024733512429520488},{"text":"But if you also look at the return on the investment, so, again, using a five year rolling average, the recommended portfolio over the same time period has performed at 12.55%, which is a pretty big difference of 4.75% considering they are both high growth options.","start":1328.565,"end":1352.9249,"sentiment":"neutral","sentiment_score":0.22847088669305263},{"text":"Does that make sense?","start":1353.625,"end":1354.765,"sentiment":"neutral","sentiment_score":0.19490203261375427}],"sentiment":"neutral","sentiment_score":0.3237256590218749,"num_words":128,"start":1298.785,"end":1354.765},{"sentences":[{"text":"Yeah.","start":1356.345,"end":1356.845,"sentiment":"neutral","sentiment_score":0.18663251399993896},{"text":"Now the reason we do use a five year rolling average as well is that it gives us a better indication of how the market has performed as well as the portfolio.","start":1357.225,"end":1368.33,"sentiment":"neutral","sentiment_score":0.2709552370943129},{"text":"It's obviously something you can't guarantee what's going to happen with the market or with the investments.","start":1368.87,"end":1373.85,"sentiment":"neutral","sentiment_score":-0.041983902673510945},{"text":"That is why we're using five year time frame instead of, for example, a twelve month.","start":1374.23,"end":1379.21,"sentiment":"neutral","sentiment_score":0.09760113433003426},{"text":"Depending on when we would have used a twelve month period, sometimes it would have shown that you would have looked like you won the lottery, whereas other years, it wouldn't have been as great.","start":1379.615,"end":1388.735,"sentiment":"neutral","sentiment_score":0.019084817064659938}],"sentiment":"neutral","sentiment_score":0.10270356932784071,"num_words":101,"start":1356.345,"end":1388.735},{"sentences":[{"text":"So that's why we are wanting to use a five year period of time and averaging that out to give you a little bit more certainty.","start":1388.735,"end":1395.96,"sentiment":"neutral","sentiment_score":0.25320374220609665},{"text":"Does that make sense?","start":1396.58,"end":1397.72,"sentiment":"neutral","sentiment_score":0.1450403593480587},{"text":"Yep.","start":1398.66,"end":1399.16,"sentiment":"neutral","sentiment_score":0.1120929718017578},{"text":"Now you can also see here, though, that on the recommended side, which also contributes is the different contribution strategies.","start":1399.54,"end":1408.04,"sentiment":"neutral","sentiment_score":0.142895869910717},{"text":"So you can see the three different contributions.","start":1408.725,"end":1411.465,"sentiment":"neutral","sentiment_score":0.1934998631477356}],"sentiment":"neutral","sentiment_score":0.19799098321947,"num_words":59,"start":1388.735,"end":1411.465},{"sentences":[{"text":"You can see the thousand dollars, the 500, and the 3,000.","start":1411.6849,"end":1415.225,"sentiment":"neutral","sentiment_score":0.20077721774578094},{"text":"I will explain what that is for you.","start":1415.605,"end":1418.4249,"sentiment":"neutral","sentiment_score":0.14026961475610733},{"text":"But, also, to give you a like for like comparison to show you without the additional contributions in the appendix.","start":1418.8049,"end":1427.56,"sentiment":"neutral","sentiment_score":0.021095490641891958},{"text":"That will be your second attachment later.","start":1428.9,"end":1431.24,"sentiment":"neutral","sentiment_score":0.03873640724590847},{"text":"I have included a a like for like, assuming you do no extra contributions and only that from your employer that will or that that will kick in with the new changes, which is that $9.07 9.","start":1431.38,"end":1444.715,"sentiment":"neutral","sentiment_score":0.06911972497363349}],"sentiment":"neutral","sentiment_score":0.07929157591368778,"num_words":83,"start":1411.6849,"end":1444.715},{"sentences":[{"text":"So I have then showed you a a kind of an apple for apple comparison to show you that as well in the appendix just so that you have all that information.","start":1444.715,"end":1452.88,"sentiment":"neutral","sentiment_score":0.21531407302245498},{"text":"It still shows that you're a lot better off, but you have that as well to go back on and have a look.","start":1452.94,"end":1458.16,"sentiment":"neutral","sentiment_score":0.23548805648865906},{"text":"Does that make sense?","start":1458.22,"end":1459.36,"sentiment":"neutral","sentiment_score":0.1768713779747486},{"text":"Yep.","start":1460.46,"end":1460.96,"sentiment":"neutral","sentiment_score":0.15629622340202332},{"text":"Now do you have any other questions in regards to anything on this table otherwise so far?","start":1461.1,"end":1466.16,"sentiment":"neutral","sentiment_score":0.13164271633414662}],"sentiment":"neutral","sentiment_score":0.2001036824537562,"num_words":77,"start":1444.715,"end":1466.16},{"sentences":[{"text":"Yes.","start":1472.955,"end":1473.455,"sentiment":"neutral","sentiment_score":0.27715691924095154},{"text":"Okay.","start":1473.755,"end":1474.255,"sentiment":"neutral","sentiment_score":0.20616744458675385},{"text":"The contrib yeah.","start":1475.115,"end":1475.915,"sentiment":"neutral","sentiment_score":0.06248757243156433},{"text":"The contributions is outlined in a separate strategy because they get a little bit more complex.","start":1475.915,"end":1480.01,"sentiment":"neutral","sentiment_score":0.07671298319473863},{"text":"So I will but this basically shows everything.","start":1480.01,"end":1482.83,"sentiment":"neutral","sentiment_score":0.12248917110264301}],"sentiment":"neutral","sentiment_score":0.09924510969170208,"num_words":29,"start":1472.955,"end":1482.83},{"sentences":[{"text":"So kind of the pages you scrolled over talks about the hub 20 four.","start":1483.2899,"end":1487.7899,"sentiment":"neutral","sentiment_score":0.1626925633421966},{"text":"It talks about the the benefits of the recommendation.","start":1487.9299,"end":1490.99,"sentiment":"positive","sentiment_score":0.33441054821014404},{"text":"So, obviously, you can see the the total return of the investment, putting in a better position, family linking, everything like that.","start":1491.45,"end":1498.6951,"sentiment":"positive","sentiment_score":0.45444799146868964},{"text":"Downside is, obviously, it is more expensive.","start":1498.995,"end":1501.5751,"sentiment":"negative","sentiment_score":-0.5029352584055492},{"text":"We do also have to roll over the fund.","start":1501.9551,"end":1504.035,"sentiment":"neutral","sentiment_score":-0.2565259337425232}],"sentiment":"neutral","sentiment_score":0.15501584295855195,"num_words":61,"start":1483.2899,"end":1504.035},{"sentences":[{"text":"And during that process, obviously, there is a little bit of time where the invest the funds are not invested during the administration process time.","start":1504.035,"end":1513.66,"sentiment":"neutral","sentiment_score":-0.12408480852842331},{"text":"So it kind of talks about all of that so you have all the information.","start":1513.96,"end":1517.18,"sentiment":"neutral","sentiment_score":-0.03478024651606878},{"text":"And one of the risks is that there's always a level of risk associated with any investment option.","start":1517.56,"end":1523.435,"sentiment":"neutral","sentiment_score":-0.19687913192643058},{"text":"But that, again, is why we are wanting to use the five year rolling average when we are looking at historical returns for you.","start":1523.735,"end":1530.3151,"sentiment":"neutral","sentiment_score":0.046521770767867565},{"text":"Yep.","start":1531.8151,"end":1532.3151,"sentiment":"neutral","sentiment_score":0.1059008240699768}],"sentiment":"neutral","sentiment_score":-0.07162921642323575,"num_words":83,"start":1504.035,"end":1532.3151},{"sentences":[{"text":"Now if you scroll down for me down to page 19, you can then see it projected forward that five and ten years for the recommended side again.","start":1532.6951,"end":1542.07,"sentiment":"neutral","sentiment_score":0.12194239481219224},{"text":"So that obviously factors in the upfront advice fee that you saw came out, but also the ongoing advice fee.","start":1542.85,"end":1549.57,"sentiment":"neutral","sentiment_score":0.11158261150121689},{"text":"It factors in everything for you.","start":1549.57,"end":1551.555,"sentiment":"neutral","sentiment_score":0.1659474472204844},{"text":"Yep.","start":1553.635,"end":1554.135,"sentiment":"neutral","sentiment_score":0.006590154487639666},{"text":"Now underneath it, I have been showing you a little bit more on the return so you can see it over a longer period of time.","start":1554.755,"end":1561.875,"sentiment":"neutral","sentiment_score":0.28293930624540037}],"sentiment":"neutral","sentiment_score":0.17289797635748982,"num_words":81,"start":1532.6951,"end":1561.875},{"sentences":[{"text":"So I have done a twelve month period, three years, five years, and ten years to show you, and you can see across all time frames the recommended has still outperformed your current situation.","start":1561.875,"end":1574.08,"sentiment":"positive","sentiment_score":0.43108285174650307},{"text":"Yep.","start":1576.3,"end":1576.8,"sentiment":"neutral","sentiment_score":0.22918397188186648},{"text":"Makes sense so far?","start":1577.375,"end":1578.595,"sentiment":"neutral","sentiment_score":0.2386712059378624},{"text":"Yep.","start":1579.855,"end":1580.355,"sentiment":"neutral","sentiment_score":0.13513515889644623},{"text":"Now what that looks like in terms of the investments I have recommended is page 20, if you can see that.","start":1580.975,"end":1589.235,"sentiment":"neutral","sentiment_score":0.11186054810172036}],"sentiment":"neutral","sentiment_score":0.30040807252536056,"num_words":61,"start":1561.875,"end":1589.235},{"sentences":[{"text":"Yep.","start":1591.93,"end":1592.43,"sentiment":"positive","sentiment_score":0.3588374853134155},{"text":"Perfect.","start":1592.57,"end":1593.07,"sentiment":"positive","sentiment_score":0.6222937107086182},{"text":"So what I have recommended, it is a tailored portfolio within hub twenty four.","start":1593.37,"end":1598.49,"sentiment":"positive","sentiment_score":0.36138836826596943},{"text":"Now, Alan, this is the same portfolio I have recommended that we change yours to as well.","start":1598.49,"end":1603.79,"sentiment":"neutral","sentiment_score":0.21892029923551223},{"text":"I will show you what that looks like, but in terms of the actual investments, it is exactly the same.","start":1603.985,"end":1610.245,"sentiment":"neutral","sentiment_score":0.1841344151645899}],"sentiment":"neutral","sentiment_score":0.25367739135926626,"num_words":53,"start":1591.93,"end":1610.245},{"sentences":[{"text":"So you can obviously see here that in your Aware Super, you have a 100% invested in one option.","start":1610.865,"end":1617.845,"sentiment":"neutral","sentiment_score":0.15037122251171814},{"text":"Now what that one option is, it is a managed fund, so you do have a bit more investments than just one in there.","start":1618.65,"end":1625.79,"sentiment":"neutral","sentiment_score":0.06373767539237936},{"text":"But how it works is that it is a managed fund, so Aware Super are kind of deciding what goes in and out of that portfolio, but it's not public.","start":1626.25,"end":1634.855,"sentiment":"neutral","sentiment_score":0.058288659993559123},{"text":"So you don't know what it is.","start":1634.855,"end":1637.015,"sentiment":"neutral","sentiment_score":-0.01881387270987034},{"text":"We don't know what it is.","start":1637.015,"end":1638.215,"sentiment":"neutral","sentiment_score":-0.04924605476359526}],"sentiment":"neutral","sentiment_score":0.06637492789995185,"num_words":86,"start":1610.865,"end":1638.215},{"sentences":[{"text":"So there could be things in there that you might not agree with or that you might like.","start":1638.215,"end":1643.115,"sentiment":"neutral","sentiment_score":-0.09641247470345762},{"text":"We just don't know what it is.","start":1643.175,"end":1644.535,"sentiment":"neutral","sentiment_score":-0.0839167269212859},{"text":"The only thing we know is that a 100% invested in one option.","start":1644.535,"end":1648.35,"sentiment":"neutral","sentiment_score":0.022564297971817162},{"text":"So it doesn't provide you with as much diversification or transparency with the portfolio that we instead have compared in hub twenty four for you.","start":1648.91,"end":1658.37,"sentiment":"neutral","sentiment_score":0.09159354165196419},{"text":"Yep.","start":1659.7899,"end":1660.2899,"sentiment":"neutral","sentiment_score":0.09180566668510436}],"sentiment":"neutral","sentiment_score":0.005502163257915527,"num_words":64,"start":1638.215,"end":1660.2899},{"sentences":[{"text":"Now with the investments as well, they are all public, so you can go and have a look at all of these investments and read exactly what is in each and every single one of these investments if you want to.","start":1660.605,"end":1671.025,"sentiment":"neutral","sentiment_score":0.17862987918097797},{"text":"But to make it easier in the appendix, so that's what the other comparison table was that I mentioned.","start":1671.165,"end":1676.7101,"sentiment":"neutral","sentiment_score":0.17731218706620366},{"text":"I have also included investment links to make it easier for both of you for these investments.","start":1676.7101,"end":1682.3301,"sentiment":"neutral","sentiment_score":0.2200949610594441},{"text":"So you can just click on them, and that gives you all the information in regards to the investment.","start":1682.39,"end":1686.7301,"sentiment":"neutral","sentiment_score":0.24255185535079554},{"text":"And you can actually see every single company invested in that as well, so it does give you that full transparency as well.","start":1687.1101,"end":1693.6549,"sentiment":"positive","sentiment_score":0.41565369004788605}],"sentiment":"neutral","sentiment_score":0.24036042908785724,"num_words":119,"start":1660.605,"end":1693.6549},{"sentences":[{"text":"But, basically, how we put together our portfolio I'm sorry, Alan.","start":1695.3949,"end":1698.995,"sentiment":"neutral","sentiment_score":0.05314427681944587},{"text":"You may have heard this before, so it might be a little bit repaid.","start":1698.995,"end":1702.215,"sentiment":"neutral","sentiment_score":-0.08583336536373411},{"text":"But, essentially, how we put together our portfolio is that we use a core and satellite approach to investing.","start":1703.1549,"end":1709.65,"sentiment":"neutral","sentiment_score":0.17995355317467138},{"text":"Have you guys ever heard of that before?","start":1710.1901,"end":1711.89,"sentiment":"neutral","sentiment_score":0.03264307091012597},{"text":"No.","start":1713.79,"end":1714.29,"sentiment":"neutral","sentiment_score":-0.0662224069237709}],"sentiment":"neutral","sentiment_score":0.05654640755844566,"num_words":53,"start":1695.3949,"end":1714.29},{"sentences":[{"text":"Essentially, what it is is that we invest majority of this month in what we would call your core investments.","start":1714.67,"end":1721.01,"sentiment":"neutral","sentiment_score":0.07643512450158596},{"text":"Now these represent the backbone of the portfolio and essentially are your passive index funds that have done really well in the past, and they are very diversified.","start":1721.8049,"end":1732.945,"sentiment":"positive","sentiment_score":0.35792358272842},{"text":"Now what they are for both of your portfolio is that you can see the ones that has a higher percentage allocated.","start":1734.21,"end":1741.35,"sentiment":"neutral","sentiment_score":0.22111143171787262},{"text":"So for example, you can see the iShares S and P 500 as 35%.","start":1741.97,"end":1747.35,"sentiment":"neutral","sentiment_score":0.1369912102818489},{"text":"That is one of your core investments.","start":1747.785,"end":1749.805,"sentiment":"neutral","sentiment_score":0.07269038738948959}],"sentiment":"neutral","sentiment_score":0.2070519116471757,"num_words":91,"start":1714.67,"end":1749.805},{"sentences":[{"text":"You may have heard of that before.","start":1750.025,"end":1751.7251,"sentiment":"neutral","sentiment_score":0.02311934530735016},{"text":"Yep.","start":1753.7051,"end":1754.2051,"sentiment":"neutral","sentiment_score":0.07021917402744293},{"text":"Essentially, what that one single investment is, though, it does the 500 largest companies listed in The US.","start":1754.3451,"end":1761.885,"sentiment":"neutral","sentiment_score":0.06488300715055731},{"text":"So, obviously, very diversified within that one single investment.","start":1761.99,"end":1765.85,"sentiment":"neutral","sentiment_score":0.13214361170927683},{"text":"You do have companies like Apple, Microsoft, Amazon, all the big companies you would have heard of.","start":1766.39,"end":1771.67,"sentiment":"neutral","sentiment_score":0.08604225209530662}],"sentiment":"neutral","sentiment_score":0.07792229828639673,"num_words":52,"start":1750.025,"end":1771.67},{"sentences":[{"text":"So even though it's 35%, it is 500 companies invested in that one option.","start":1771.67,"end":1777.13,"sentiment":"neutral","sentiment_score":0.0508988829595702},{"text":"Okay?","start":1777.19,"end":1777.69,"sentiment":"neutral","sentiment_score":0.047306910157203674},{"text":"Yep.","start":1779.225,"end":1779.725,"sentiment":"neutral","sentiment_score":0.08122120797634125},{"text":"Now another one of those core investments is then the one just underneath it, which is the BetaShares Australia 200.","start":1780.105,"end":1787.3251,"sentiment":"neutral","sentiment_score":0.10346893258392811},{"text":"That one here invests in the 200 largest companies listed in Australia on the ASX.","start":1788.105,"end":1793.165,"sentiment":"neutral","sentiment_score":0.11397068748871485}],"sentiment":"neutral","sentiment_score":0.0905892439917022,"num_words":51,"start":1771.67,"end":1793.165},{"sentences":[{"text":"So you'll have companies like Commonwealth, BHP, CSL, Woolworths, all the big companies in Australia.","start":1793.545,"end":1799.38,"sentiment":"neutral","sentiment_score":0.13145261605580646},{"text":"So, again, that forms part of your core investment.","start":1799.84,"end":1802.8201,"sentiment":"neutral","sentiment_score":0.2702770150370068},{"text":"Now because both of you are then in a high growth portfolio, the goal is to maximize growth as much as possible.","start":1804.56,"end":1812.2649,"sentiment":"positive","sentiment_score":0.38033231415531854},{"text":"So aside from the the core investments, you then have, like, your satellite investments.","start":1812.885,"end":1818.4249,"sentiment":"neutral","sentiment_score":0.15153272982154573},{"text":"Now these investments are a little bit more dynamic.","start":1819.0449,"end":1822.1849,"sentiment":"neutral","sentiment_score":0.13404783109823862}],"sentiment":"neutral","sentiment_score":0.23332582586917325,"num_words":69,"start":1793.545,"end":1822.1849},{"sentences":[{"text":"They are a little bit more specialized investments that target specific regions, assets, or different sectors in order to kinda maximize that growth for you.","start":1822.325,"end":1833.53,"sentiment":"neutral","sentiment_score":0.32333689332008364},{"text":"They can also be a little bit more volatile, and that is what they only represent a smaller portion of the portfolio.","start":1833.9901,"end":1841.785,"sentiment":"neutral","sentiment_score":-0.13343043049628084},{"text":"Does that make sense?","start":1842.085,"end":1843.225,"sentiment":"neutral","sentiment_score":0.02541938703507185},{"text":"Yep.","start":1844.725,"end":1845.225,"sentiment":"neutral","sentiment_score":0.1528896689414978},{"text":"So for example, you can see that 6% is in the beta shares cybersecurity.","start":1845.365,"end":1851.145,"sentiment":"neutral","sentiment_score":0.17703162719096457}],"sentiment":"neutral","sentiment_score":0.11940852817938183,"num_words":66,"start":1822.325,"end":1851.145},{"sentences":[{"text":"Obviously, technology AI not going anywhere anytime soon, so there's a lot of opportunities in this space.","start":1852.46,"end":1858.96,"sentiment":"neutral","sentiment_score":0.14560681011746912},{"text":"But, again, because it is a satellite investment, we do only wanna allow that 6% allocated to this investment.","start":1859.42,"end":1865.68,"sentiment":"neutral","sentiment_score":0.1138391898650872},{"text":"Now another one is then your iShares Europe because we also wanna make sure that your portfolio for both of you is very diversified.","start":1867.855,"end":1875.475,"sentiment":"positive","sentiment_score":0.34039020103712875},{"text":"We don't want everything in just The US or Australia.","start":1876.175,"end":1879.47,"sentiment":"neutral","sentiment_score":0.08467688262462617},{"text":"We wanna make sure it's well diversified across the globe.","start":1879.47,"end":1882.77,"sentiment":"neutral","sentiment_score":0.30818150490522384}],"sentiment":"neutral","sentiment_score":0.2092026134952903,"num_words":80,"start":1852.46,"end":1882.77},{"sentences":[{"text":"So if something would happen to one market as well, it is very diversified for you.","start":1883.0701,"end":1887.89,"sentiment":"neutral","sentiment_score":0.30648631509393454},{"text":"So we have 9% in iShares Europe, which does invest in a broad range of kind of large and mid sized European companies, predominantly from The UK, Germany, France, Switzerland.","start":1887.95,"end":1901.245,"sentiment":"neutral","sentiment_score":0.18246925522883733},{"text":"It is managed by BlackRock, which you may have heard of.","start":1902.185,"end":1905.54,"sentiment":"neutral","sentiment_score":0.156735783950849},{"text":"They are one of the largest asset managers.","start":1905.7001,"end":1907.8,"sentiment":"neutral","sentiment_score":0.17717158421874046},{"text":"And some of their kind of biggest holding in that one investment is, like, your Nestle, your Novo Nordisk, AstraZeneca, and Shell, which you may have heard of.","start":1908.3401,"end":1917.555,"sentiment":"neutral","sentiment_score":0.14824405791504042}],"sentiment":"neutral","sentiment_score":0.19000170556127385,"num_words":93,"start":1883.0701,"end":1917.555},{"sentences":[{"text":"Yep.","start":1918.755,"end":1919.0751,"sentiment":"neutral","sentiment_score":0.09836198389530182},{"text":"Does that all make sense so far?","start":1919.0751,"end":1920.8551,"sentiment":"neutral","sentiment_score":0.11356563440390996},{"text":"Yep.","start":1922.1151,"end":1922.5951,"sentiment":"neutral","sentiment_score":0.14992332458496094},{"text":"Yeah.","start":1922.5951,"end":1923.0951,"sentiment":"neutral","sentiment_score":0.17656689882278442},{"text":"Now I know it's a I know it's a lot.","start":1923.2351,"end":1925.0751,"sentiment":"neutral","sentiment_score":0.1277493081986904}],"sentiment":"neutral","sentiment_score":0.12486523650586605,"num_words":20,"start":1918.755,"end":1925.0751},{"sentences":[{"text":"So you can obviously go and have a read over everything.","start":1925.0751,"end":1927.7351,"sentiment":"neutral","sentiment_score":0.16817513243718582},{"text":"You also have 5% in Japan.","start":1929.2351,"end":1931.37,"sentiment":"neutral","sentiment_score":0.1961944897969564},{"text":"There's a lot of opportunities in Japan as well.","start":1931.51,"end":1934.41,"sentiment":"positive","sentiment_score":0.3388504849539863},{"text":"Again, wanna make sure we diversify across the globe for you, and that invest in broad and large mid sized companies in Japan.","start":1934.71,"end":1944.01,"sentiment":"neutral","sentiment_score":0.31101819289767224},{"text":"Now we then have another one, 8% in Vanguard All World.","start":1945.7549,"end":1950.235,"sentiment":"neutral","sentiment_score":0.13749489459124478}],"sentiment":"neutral","sentiment_score":0.2457101672887802,"num_words":60,"start":1925.0751,"end":1950.235},{"sentences":[{"text":"You may have heard of Vanguard before.","start":1950.235,"end":1951.9349,"sentiment":"neutral","sentiment_score":0.08706474304199219},{"text":"Yes.","start":1952.875,"end":1953.375,"sentiment":"neutral","sentiment_score":0.05310940742492676},{"text":"Now this one here invest in thousands of different companies all across the world, but it does exclude The US because you already have exposure to The US market in the iShares S and P 500.","start":1954.1549,"end":1967.1799,"sentiment":"neutral","sentiment_score":0.03147763293236494},{"text":"And we also wanna make sure you don't have too much in just that one sector.","start":1967.1799,"end":1970.62,"sentiment":"neutral","sentiment_score":-0.037962357397191226},{"text":"Okay?","start":1970.62,"end":1971.12,"sentiment":"neutral","sentiment_score":0.06314776837825775}],"sentiment":"neutral","sentiment_score":0.020516515480446033,"num_words":61,"start":1950.235,"end":1971.12},{"sentences":[{"text":"Yep.","start":1972.6349,"end":1973.1349,"sentiment":"neutral","sentiment_score":0.13608351349830627},{"text":"So, basically, invest in Asia, emerging markets, and some parts of Europe as well there for you.","start":1973.2749,"end":1979.375,"sentiment":"neutral","sentiment_score":0.26854974995641145},{"text":"But then what we also want to do is we wanna make sure we have a little bit of that defensive component to your portfolio to stabilize those fluctuations as well.","start":1980.315,"end":1989.65,"sentiment":"neutral","sentiment_score":0.1907712504748375},{"text":"So we have 7% invested in gold for you.","start":1989.9501,"end":1994.2101,"sentiment":"neutral","sentiment_score":0.25468871659702724},{"text":"Now that is basically just a low cost investment option to access physical gold via the exchange trade the stock exchange.","start":1994.91,"end":2002.175,"sentiment":"neutral","sentiment_score":0.2696501917782284}],"sentiment":"neutral","sentiment_score":0.2350657025847254,"num_words":79,"start":1972.6349,"end":2002.175},{"sentences":[{"text":"Obviously, it avoids you having to stock gold bullion at home.","start":2002.4751,"end":2006.3151,"sentiment":"neutral","sentiment_score":0.24640122056007385},{"text":"So this is another just convenient way to having that kind of stabilized components to your portfolio.","start":2006.3151,"end":2012.495,"sentiment":"positive","sentiment_score":0.45710233204505024},{"text":"And then we have 5% in fixed interest.","start":2013.15,"end":2015.87,"sentiment":"neutral","sentiment_score":0.2102467454969883},{"text":"Again, just kinda limit fluctuations a little bit, stabilize that portfolio, but the main focus is to maximize that growth.","start":2015.87,"end":2023.65,"sentiment":"neutral","sentiment_score":0.3315676681697369},{"text":"Do either of you have any questions in regards to the investments?","start":2025.645,"end":2028.4651,"sentiment":"neutral","sentiment_score":0.14793438278138638}],"sentiment":"neutral","sentiment_score":0.3024954851716757,"num_words":68,"start":2002.4751,"end":2028.4651},{"sentences":[{"text":"Mhmm.","start":2033.555,"end":2033.805,"sentiment":"neutral","sentiment_score":0.059262681752443314},{"text":"Of course.","start":2033.805,"end":2034.545,"sentiment":"neutral","sentiment_score":0.0814724899828434},{"text":"Mhmm.","start":2042.8601,"end":2042.9401,"sentiment":"neutral","sentiment_score":0.07817134261131287},{"text":"Correct.","start":2042.9401,"end":2043.4401,"sentiment":"neutral","sentiment_score":0.1499104201793671},{"text":"Yes.","start":2045.42,"end":2045.92,"sentiment":"neutral","sentiment_score":0.31130945682525635}],"sentiment":"neutral","sentiment_score":0.12693314688901106,"num_words":6,"start":2033.555,"end":2045.92},{"sentences":[{"text":"Correct.","start":2051.595,"end":2052.075,"sentiment":"neutral","sentiment_score":0.033733099699020386},{"text":"So have we we yeah.","start":2052.075,"end":2062.0898,"sentiment":"neutral","sentiment_score":0.016442045383155347},{"text":"Sorry.","start":2062.0898,"end":2062.41,"sentiment":"neutral","sentiment_score":-0.022226031869649887},{"text":"Because we have 24, it allows us to do everything.","start":2062.41,"end":2064.73,"sentiment":"neutral","sentiment_score":0.09143660105764866},{"text":"So we have a lot of different investment portfolios that kind of evolved, obviously, through time.","start":2064.73,"end":2070.75,"sentiment":"neutral","sentiment_score":0.010125595377758145}],"sentiment":"neutral","sentiment_score":0.03545735852623528,"num_words":33,"start":2051.595,"end":2070.75},{"sentences":[{"text":"So, obviously, when we still started the company, you obviously had a different portfolio back then years ago.","start":2071.05,"end":2077.1448,"sentiment":"neutral","sentiment_score":-0.04825485311448574},{"text":"Things were obviously very different in the market.","start":2077.2048,"end":2079.785,"sentiment":"neutral","sentiment_score":-0.10941954143345356},{"text":"Like, cybersecurity probably wasn't as prominent and a lot of other investments, but the portfolios were very different.","start":2079.9248,"end":2085.845,"sentiment":"neutral","sentiment_score":-0.07638785843220022},{"text":"And then they kind of evolved with time as well as the market and everything is changing.","start":2085.845,"end":2091.4,"sentiment":"neutral","sentiment_score":0.0374615106950788},{"text":"It does depend how frequent we do it depends on what is going on in the world.","start":2092.82,"end":2096.98,"sentiment":"neutral","sentiment_score":-0.003202199935913086}],"sentiment":"neutral","sentiment_score":-0.032519446876950756,"num_words":78,"start":2071.05,"end":2096.98},{"sentences":[{"text":"So, obviously, during COVID, there was a lot more changes.","start":2096.98,"end":2100.44,"sentiment":"neutral","sentiment_score":0.007747750915586949},{"text":"It just depends on what's going on, but it is something that the investment committee are continuously reviewing.","start":2101.155,"end":2106.855,"sentiment":"neutral","sentiment_score":0.06172142436520921},{"text":"So even for Alan's situation, what he's currently invested in right now is a little bit different to this portfolio, and that was also because at the time, that was what's going to be the best for him.","start":2107.555,"end":2117.73,"sentiment":"neutral","sentiment_score":0.06409301971526522},{"text":"And then, obviously, markets, nothing's ever changing, and we wanna be proactive with making that changes as everything change.","start":2117.73,"end":2125.83,"sentiment":"neutral","sentiment_score":0.27210727412449687},{"text":"Also, as your situation change, as your risk tolerance change as well, So we have a lot of different tailored portfolio.","start":2126.1301,"end":2133.435,"sentiment":"neutral","sentiment_score":0.16007090040615626}],"sentiment":"neutral","sentiment_score":0.11467476428117392,"num_words":106,"start":2096.98,"end":2133.435},{"sentences":[{"text":"Because the closer you guys get to retirement, you might wanna then start looking at reducing risk a little bit.","start":2133.7349,"end":2139.415,"sentiment":"neutral","sentiment_score":0.19843566231429577},{"text":"So it's been changing different allocations and different investments depending on what is appropriate for you guys at this time.","start":2139.415,"end":2147.38,"sentiment":"neutral","sentiment_score":0.14624416120350361},{"text":"But, also, hub twenty four does give that option because I said there's hundreds of different options.","start":2147.92,"end":2152.5598,"sentiment":"neutral","sentiment_score":0.1824997637201758},{"text":"So, basically, with hub twenty four, once you open an account, you can choose a 100 of different options.","start":2152.5598,"end":2157.825,"sentiment":"neutral","sentiment_score":0.2023487483200274},{"text":"So we then are okay to tailor and put together the portfolio for you.","start":2158.065,"end":2162.2449,"sentiment":"neutral","sentiment_score":0.2879263684153557}],"sentiment":"neutral","sentiment_score":0.1985743092166053,"num_words":90,"start":2133.7349,"end":2162.2449},{"sentences":[{"text":"We pick it, and then we set that up for your account.","start":2162.385,"end":2165.345,"sentiment":"neutral","sentiment_score":0.20596316208442053},{"text":"But at the same time, if you guys are very like, oh, I really wanna invest in this option, we still have that flexibility.","start":2165.345,"end":2172.02,"sentiment":"neutral","sentiment_score":0.10521243403976162},{"text":"So if you specifically tell me, oh, I don't like Europe.","start":2172.1602,"end":2175.3,"sentiment":"neutral","sentiment_score":-0.12839681926098737},{"text":"I don't want that.","start":2175.6,"end":2176.74,"sentiment":"neutral","sentiment_score":-0.2471269778907299},{"text":"We can then change it.","start":2176.8801,"end":2178.4202,"sentiment":"neutral","sentiment_score":0.0041732147336006175}],"sentiment":"neutral","sentiment_score":0.04672588414645621,"num_words":56,"start":2162.385,"end":2178.4202},{"sentences":[{"text":"So it does does give us that flexibility.","start":2178.56,"end":2180.5,"sentiment":"neutral","sentiment_score":0.2036147452890873},{"text":"Or if you go, you know what?","start":2180.72,"end":2182.08,"sentiment":"neutral","sentiment_score":0.042512306943535805},{"text":"I really wanna invest in some kind of crypto.","start":2182.08,"end":2184.26,"sentiment":"neutral","sentiment_score":0.10254839807748795},{"text":"Not necessarily something I would recommend, but if you specifically go, I want this, it allows us the option to also tailor what is important to you guys.","start":2184.845,"end":2193.885,"sentiment":"neutral","sentiment_score":0.24539729154535703},{"text":"So it's not like a set and forget portfolio.","start":2193.885,"end":2195.9048,"sentiment":"neutral","sentiment_score":0.0020662090844578212}],"sentiment":"neutral","sentiment_score":0.1596583563712288,"num_words":61,"start":2178.56,"end":2195.9048},{"sentences":[{"text":"It's not something that we invest and then see you later five years.","start":2196.285,"end":2199.2449,"sentiment":"neutral","sentiment_score":0.049032400433833785},{"text":"Let's review it.","start":2199.2449,"end":2200.23,"sentiment":"neutral","sentiment_score":0.08360754946867625},{"text":"It is something that we are continuously reviewing.","start":2200.31,"end":2202.97,"sentiment":"neutral","sentiment_score":0.10570753808133304},{"text":"And as Alan would note, that also forms part of the under review process.","start":2203.1099,"end":2207.3699,"sentiment":"neutral","sentiment_score":0.06456894081618104},{"text":"So during the under review, which is something we do, at a minimum every twelve months, we can do it more frequently depending on how much communication you guys want.","start":2207.75,"end":2216.615,"sentiment":"neutral","sentiment_score":0.11806380401055018}],"sentiment":"neutral","sentiment_score":0.09087916838881724,"num_words":68,"start":2196.285,"end":2216.615},{"sentences":[{"text":"But at a minimum every 12, we'll reassess, making sure the advice is still appropriate for you.","start":2216.995,"end":2223.415,"sentiment":"neutral","sentiment_score":0.20787153787472668},{"text":"Depending on what's happened in the world, the your life situation, if anything were to change, we then wanna make sure we tailor things to make sure it continues to be in your best interest and aligned with your views, but also what's going to be best for you moving forward.","start":2223.635,"end":2237.75,"sentiment":"positive","sentiment_score":0.33601265371430156},{"text":"Mhmm.","start":2241.715,"end":2242.215,"sentiment":"neutral","sentiment_score":0.1001499369740486},{"text":"Yep.","start":2246.0352,"end":2246.5352,"sentiment":"neutral","sentiment_score":0.17611661553382874},{"text":"Potentially.","start":2253.57,"end":2254.07,"sentiment":"neutral","sentiment_score":0.2841615378856659}],"sentiment":"neutral","sentiment_score":0.2990266137139898,"num_words":71,"start":2216.995,"end":2254.07},{"sentences":[{"text":"Yes.","start":2255.73,"end":2256.13,"sentiment":"neutral","sentiment_score":0.2515889108181},{"text":"So so part of it could be so when we get to Alan's investment, you will see that I have recommended changing some.","start":2256.13,"end":2262.855,"sentiment":"neutral","sentiment_score":0.09350566452612048},{"text":"Some is actually keeping the investments, just changing the allocation to how much it is.","start":2263.175,"end":2268.475,"sentiment":"neutral","sentiment_score":0.07902929310997327},{"text":"Sometimes it's just a matter of rebalancing the portfolio because, obviously, investments value change.","start":2268.695,"end":2274.2349,"sentiment":"neutral","sentiment_score":-0.03834262064525059},{"text":"So, obviously, as some investments grow in value, they can become over weighted.","start":2274.295,"end":2279.4001,"sentiment":"neutral","sentiment_score":-0.16993525251746178}],"sentiment":"neutral","sentiment_score":0.012753085148605433,"num_words":66,"start":2255.73,"end":2279.4001},{"sentences":[{"text":"So what we then do during annual review is reassess, rebalance everything if it is appropriate.","start":2279.78,"end":2285.24,"sentiment":"neutral","sentiment_score":0.14246453042142093},{"text":"So rebalancing, changing some investments, buying some new ones, and changing out depending on what is going to be the best for you at the time.","start":2286.74,"end":2295.055,"sentiment":"neutral","sentiment_score":0.23219213548761147},{"text":"Again, going back to depending on what is going on.","start":2295.055,"end":2297.855,"sentiment":"neutral","sentiment_score":0.11436728537082672},{"text":"But it doesn't have to be at just under review time.","start":2297.855,"end":2299.935,"sentiment":"neutral","sentiment_score":0.04098103398626501},{"text":"So, obviously, the investment committee meet all the time.","start":2299.935,"end":2302.355,"sentiment":"neutral","sentiment_score":0.14130906595124137}],"sentiment":"neutral","sentiment_score":0.1553149143130415,"num_words":72,"start":2279.78,"end":2302.355},{"sentences":[{"text":"And if we could say, well, something like with COVID, for example, you obviously wanna be proactive.","start":2302.4949,"end":2307.89,"sentiment":"neutral","sentiment_score":0.1654155705781544},{"text":"You don't wanna just leave things as well.","start":2308.75,"end":2310.83,"sentiment":"neutral","sentiment_score":0.05959377717226744},{"text":"So if there is something major that is going to happen, we're not gonna be like, oh, no.","start":2310.83,"end":2314.67,"sentiment":"neutral","sentiment_score":-0.03576679610543781},{"text":"You're under review.","start":2314.67,"end":2315.31,"sentiment":"neutral","sentiment_score":-0.1083764707048734},{"text":"It's not up yet.","start":2315.31,"end":2316.03,"sentiment":"neutral","sentiment_score":-0.16722260974347591}],"sentiment":"neutral","sentiment_score":0.033019854724407195,"num_words":50,"start":2302.4949,"end":2316.03},{"sentences":[{"text":"Let's wait and talk to you in ten months.","start":2316.03,"end":2317.755,"sentiment":"neutral","sentiment_score":0.10122825122541851},{"text":"If something's going to happen, we will let you know and be proactive in making those changes.","start":2318.075,"end":2322.015,"sentiment":"neutral","sentiment_score":0.32901037002311034},{"text":"Or, for example, if something were to happen with your life situation or anything for both of you and you go, you know what?","start":2322.075,"end":2329.035,"sentiment":"neutral","sentiment_score":0.11884153323868911},{"text":"There is a lot of happening in the market.","start":2329.035,"end":2330.795,"sentiment":"neutral","sentiment_score":-0.06685975442330043},{"text":"I don't feel comfortable with the level of risk.","start":2330.795,"end":2332.86,"sentiment":"negative","sentiment_score":-0.42668430010477704}],"sentiment":"neutral","sentiment_score":0.07227251262349241,"num_words":68,"start":2316.03,"end":2332.86},{"sentences":[{"text":"We can always change it.","start":2333.1,"end":2334.86,"sentiment":"neutral","sentiment_score":-0.11732144355773926},{"text":"But we wanna obviously do the due diligence and the research because by chopping and changing investments, you also have to pay for transaction fees, and we also wanna factor in capital gains tax.","start":2334.86,"end":2345.82,"sentiment":"neutral","sentiment_score":0.15642770642743392},{"text":"So we obviously do that when we're factoring how we are going to change the investments for you.","start":2345.82,"end":2351.215,"sentiment":"neutral","sentiment_score":0.22494577119747797},{"text":"Mhmm.","start":2355.675,"end":2356.175,"sentiment":"neutral","sentiment_score":-0.02803460508584976},{"text":"Mhmm.","start":2360.155,"end":2360.655,"sentiment":"neutral","sentiment_score":-0.04874732345342636}],"sentiment":"neutral","sentiment_score":0.1475284195552438,"num_words":59,"start":2333.1,"end":2360.655},{"sentences":[{"text":"Yes.","start":2363.18,"end":2363.68,"sentiment":"neutral","sentiment_score":0.05334475636482239},{"text":"Mhmm.","start":2370.14,"end":2370.64,"sentiment":"neutral","sentiment_score":0.008871136233210564},{"text":"Mhmm.","start":2371.26,"end":2371.76,"sentiment":"neutral","sentiment_score":0.017449865117669106},{"text":"Yep.","start":2380.235,"end":2380.735,"sentiment":"neutral","sentiment_score":0.0753060057759285},{"text":"Mhmm.","start":2389.77,"end":2390.27,"sentiment":"neutral","sentiment_score":-0.06636044383049011}],"sentiment":"neutral","sentiment_score":0.01772226393222809,"num_words":5,"start":2363.18,"end":2390.27},{"sentences":[{"text":"Mhmm.","start":2394.17,"end":2394.25,"sentiment":"neutral","sentiment_score":-0.020246993750333783},{"text":"Mhmm.","start":2394.25,"end":2394.75,"sentiment":"neutral","sentiment_score":-0.029931742697954174},{"text":"Mhmm.","start":2396.905,"end":2397.405,"sentiment":"neutral","sentiment_score":-0.12882940471172333},{"text":"Yep.","start":2408.425,"end":2408.5925,"sentiment":"neutral","sentiment_score":0.12833891808986664},{"text":"Yes.","start":2408.5925,"end":2408.76,"sentiment":"neutral","sentiment_score":0.1491290032863617}],"sentiment":"neutral","sentiment_score":0.01969195604324341,"num_words":5,"start":2394.17,"end":2408.76},{"sentences":[{"text":"Yes.","start":2412.6,"end":2413.1,"sentiment":"neutral","sentiment_score":0.20474588871002197},{"text":"Yes.","start":2414.76,"end":2415.26,"sentiment":"neutral","sentiment_score":0.27836957573890686},{"text":"Yes.","start":2417.16,"end":2417.66,"sentiment":"neutral","sentiment_score":0.2561689615249634},{"text":"Correct.","start":2420.04,"end":2420.54,"sentiment":"neutral","sentiment_score":0.1823645830154419},{"text":"Correct.","start":2422.135,"end":2422.635,"sentiment":"neutral","sentiment_score":0.17136648297309875}],"sentiment":"neutral","sentiment_score":0.21860309839248657,"num_words":5,"start":2412.6,"end":2422.635},{"sentences":[{"text":"Yes.","start":2422.9348,"end":2423.4348,"sentiment":"neutral","sentiment_score":0.1397908329963684},{"text":"Yeah.","start":2428.535,"end":2429.035,"sentiment":"neutral","sentiment_score":0.011374561116099358},{"text":"Mhmm.","start":2432.79,"end":2433.29,"sentiment":"neutral","sentiment_score":0.013921867124736307},{"text":"Mhmm.","start":2443.83,"end":2443.9102,"sentiment":"neutral","sentiment_score":-0.0025496589951217175},{"text":"Mhmm.","start":2443.9102,"end":2444.4102,"sentiment":"neutral","sentiment_score":-0.006366492714732885}],"sentiment":"neutral","sentiment_score":0.031234221905469893,"num_words":5,"start":2422.9348,"end":2444.4102},{"sentences":[{"text":"Correct.","start":2452.4849,"end":2452.9849,"sentiment":"neutral","sentiment_score":-0.16011789441108704},{"text":"Mhmm.","start":2477.395,"end":2477.895,"sentiment":"neutral","sentiment_score":-0.005583925172686577},{"text":"Mhmm.","start":2484.61,"end":2485.11,"sentiment":"neutral","sentiment_score":0.04017431661486626},{"text":"Yes.","start":2487.6501,"end":2488.1501,"sentiment":"neutral","sentiment_score":0.054552339017391205},{"text":"Yes.","start":2495.185,"end":2495.665,"sentiment":"neutral","sentiment_score":-0.003330822102725506}],"sentiment":"neutral","sentiment_score":-0.014861197210848331,"num_words":5,"start":2452.4849,"end":2495.665},{"sentences":[{"text":"Same legislation.","start":2495.665,"end":2496.565,"sentiment":"neutral","sentiment_score":0.009143125265836716},{"text":"Same rules.","start":2496.865,"end":2497.585,"sentiment":"neutral","sentiment_score":0.03323056735098362},{"text":"Yes.","start":2497.585,"end":2498.085,"sentiment":"neutral","sentiment_score":0.08448810875415802},{"text":"Because it is a super fund, and they have to follow the CIS Act.","start":2498.305,"end":2501.345,"sentiment":"neutral","sentiment_score":0.16025376745632716},{"text":"That is the same for every super fund.","start":2501.345,"end":2503.105,"sentiment":"neutral","sentiment_score":0.20350421406328678}],"sentiment":"neutral","sentiment_score":0.14966007225491382,"num_words":27,"start":2495.665,"end":2503.105},{"sentences":[{"text":"So that is something that they have complied with.","start":2503.105,"end":2505.605,"sentiment":"neutral","sentiment_score":0.27876170145140755},{"text":"When it comes to the rules and legislation reporting, that is the same for any super fund.","start":2505.8198,"end":2510.0,"sentiment":"neutral","sentiment_score":0.05205305216505247},{"text":"Now with hub twenty four, they do have managed funds as well that we consider, which is, like, similar to Aware Super.","start":2510.22,"end":2515.5999,"sentiment":"neutral","sentiment_score":0.1287130635570396},{"text":"So there are heaps and heaps and heaps of different managed funds as well to choose from.","start":2515.8198,"end":2520.24,"sentiment":"neutral","sentiment_score":0.11902089438894216},{"text":"But when looking at them and constructing the portfolio, a lot of them are a little bit more expensive because they have that kind of active and buying, selling different investments, but it doesn't give us the same kind of transparency with what is actually within the investment because, obviously, that is kind of a a trademark sometimes to some of those portfolio managers.","start":2521.0251,"end":2539.39,"sentiment":"neutral","sentiment_score":-0.2743095653131604}],"sentiment":"neutral","sentiment_score":-0.0721473827698203,"num_words":129,"start":2503.105,"end":2539.39},{"sentences":[{"text":"So this is so it is something that we are continuously we're always reviewing.","start":2539.93,"end":2543.63,"sentiment":"neutral","sentiment_score":-0.11963418019669396},{"text":"So we're always reviewing the repairs as well, but, obviously, that's a little bit riskier.","start":2543.85,"end":2547.615,"sentiment":"neutral","sentiment_score":-0.2601145749290784},{"text":"So depends on, again, the level of risk, different ETFs.","start":2547.855,"end":2551.155,"sentiment":"neutral","sentiment_score":-0.17245326787233353},{"text":"Because at the same time, we wanna make sure we keep the cost down.","start":2551.855,"end":2554.915,"sentiment":"neutral","sentiment_score":0.19389317716870988},{"text":"We don't want the fees to be too much.","start":2555.135,"end":2557.135,"sentiment":"neutral","sentiment_score":-0.04582453519105911}],"sentiment":"neutral","sentiment_score":-0.08062977680275517,"num_words":62,"start":2539.93,"end":2557.135},{"sentences":[{"text":"We obviously wanna make sure it doesn't impact the returns.","start":2557.135,"end":2559.535,"sentiment":"neutral","sentiment_score":0.14240092113614083},{"text":"So we wanted a balance of keeping the fees down, which ETFs are a fantastic way of doing that, give you the diversification by also focusing on the returns.","start":2559.535,"end":2571.33,"sentiment":"positive","sentiment_score":0.5454362034797668},{"text":"So with the different super funds as well, because you don't have the same level of diversification, so if anything tend to tend to happen, it would be predominantly when it comes to the investments and how things are obviously invested.","start":2571.47,"end":2587.2,"sentiment":"neutral","sentiment_score":0.18221526447592712},{"text":"But as you can see with the hub twenty four, the portfolio we have now recommended for both of you, it is very diversified.","start":2587.28,"end":2593.7,"sentiment":"positive","sentiment_score":0.333867447450757},{"text":"So if, let's say, something were to happen short term with The US market, you're not having everything in that.","start":2593.76,"end":2599.725,"sentiment":"neutral","sentiment_score":0.03523042891174555}],"sentiment":"neutral","sentiment_score":0.2695960667164576,"num_words":124,"start":2557.135,"end":2599.725},{"sentences":[{"text":"So it's very diversified.","start":2599.725,"end":2601.0251,"sentiment":"neutral","sentiment_score":0.11907737329602242},{"text":"Whereas with AwareSoup, you could have 90%.","start":2601.165,"end":2604.2852,"sentiment":"neutral","sentiment_score":0.11464980563947133},{"text":"You could have 5%.","start":2604.2852,"end":2605.485,"sentiment":"neutral","sentiment_score":0.0633285827934742},{"text":"We just don't know.","start":2605.485,"end":2606.625,"sentiment":"neutral","sentiment_score":-0.008610101882368326},{"text":"Yep.","start":2608.445,"end":2608.945,"sentiment":"neutral","sentiment_score":0.1485692858695984}],"sentiment":"neutral","sentiment_score":0.08231506710872054,"num_words":20,"start":2599.725,"end":2608.945},{"sentences":[{"text":"Correct.","start":2614.94,"end":2615.44,"sentiment":"neutral","sentiment_score":0.17977219820022583},{"text":"Yes.","start":2615.82,"end":2616.3,"sentiment":"neutral","sentiment_score":0.1605466902256012},{"text":"And you with the with the investments or with the appendix, you can also see all those things.","start":2616.3,"end":2623.58,"sentiment":"neutral","sentiment_score":0.131375881532828},{"text":"So you can actually go and see because it is public for you.","start":2623.58,"end":2626.575,"sentiment":"neutral","sentiment_score":0.1345962664255729},{"text":"Even Hub twenty four is a public listed company.","start":2626.655,"end":2628.915,"sentiment":"neutral","sentiment_score":0.07075394483076201}],"sentiment":"neutral","sentiment_score":0.12122908864347708,"num_words":42,"start":2614.94,"end":2628.915},{"sentences":[{"text":"So you can actually go and see if you wanted to see all those 500 companies on the iShares S and P 500.","start":2629.2148,"end":2634.835,"sentiment":"neutral","sentiment_score":0.09120797560266826},{"text":"You can go and look at what all those 500 is.","start":2635.2148,"end":2638.175,"sentiment":"neutral","sentiment_score":0.1319913383234631},{"text":"It is all there for you to look at.","start":2638.175,"end":2640.515,"sentiment":"neutral","sentiment_score":0.08693536164032088},{"text":"Mhmm.","start":2640.69,"end":2641.19,"sentiment":"neutral","sentiment_score":0.032255493104457855},{"text":"No.","start":2647.3298,"end":2647.65,"sentiment":"neutral","sentiment_score":-0.054319072514772415}],"sentiment":"neutral","sentiment_score":0.09577872968382306,"num_words":45,"start":2629.2148,"end":2647.65},{"sentences":[{"text":"Because it's all within Uber.","start":2647.65,"end":2649.19,"sentiment":"neutral","sentiment_score":-0.021037097647786142},{"text":"So it's not the same as your personal investments.","start":2649.25,"end":2651.5898,"sentiment":"neutral","sentiment_score":-0.05462481454014778},{"text":"Yes.","start":2652.8499,"end":2653.3499,"sentiment":"neutral","sentiment_score":0.03684351220726967},{"text":"Yes.","start":2670.86,"end":2671.36,"sentiment":"neutral","sentiment_score":0.014693891629576685},{"text":"So you can see the the a so they in you say the a t I I code?","start":2671.42,"end":2676.48,"sentiment":"neutral","sentiment_score":0.0016600918024778366}],"sentiment":"neutral","sentiment_score":-0.01515852243584745,"num_words":34,"start":2647.65,"end":2676.48},{"sentences":[{"text":"You can see that listed, like the hack IEU.","start":2676.54,"end":2678.64,"sentiment":"neutral","sentiment_score":-0.0004836165980021987},{"text":"That's the individual code for that.","start":2678.78,"end":2681.055,"sentiment":"neutral","sentiment_score":0.004740292749678095},{"text":"But it's very different to your personal investment where you need your test number.","start":2681.295,"end":2686.095,"sentiment":"neutral","sentiment_score":-0.146494096411126},{"text":"You need everything because it's individually in your name.","start":2686.095,"end":2688.575,"sentiment":"neutral","sentiment_score":-0.08118888156281577},{"text":"This is just held in your super.","start":2688.575,"end":2690.4348,"sentiment":"neutral","sentiment_score":-0.0675374407853399}],"sentiment":"neutral","sentiment_score":-0.07178422582672081,"num_words":45,"start":2676.54,"end":2690.4348},{"sentences":[{"text":"So with Aware Super, even though you're still invested, you don't have a test number.","start":2690.4949,"end":2694.8699,"sentiment":"neutral","sentiment_score":-0.1254832774400711},{"text":"You don't have all of that because it's all within the super environment.","start":2694.8699,"end":2697.93,"sentiment":"neutral","sentiment_score":-0.10867085938270275},{"text":"The super trustee are then liable to make sure everything stays compliant, and they follow all the rules.","start":2698.31,"end":2704.3298,"sentiment":"neutral","sentiment_score":0.04914014082815912},{"text":"So hub 20 hub yeah.","start":2720.98,"end":2726.1199,"sentiment":"neutral","sentiment_score":-0.014375583082437516},{"text":"Mhmm.","start":2726.5,"end":2727.0,"sentiment":"neutral","sentiment_score":-0.02037174068391323}],"sentiment":"neutral","sentiment_score":-0.048128797207027674,"num_words":52,"start":2690.4949,"end":2727.0},{"sentences":[{"text":"Hub 24.","start":2730.115,"end":2731.0952,"sentiment":"neutral","sentiment_score":-0.009246374946087599},{"text":"Hub twenty four.","start":2731.7952,"end":2732.7751,"sentiment":"neutral","sentiment_score":0.003318693799277147},{"text":"So Hub twenty four is is the platform.","start":2732.8352,"end":2734.8352,"sentiment":"neutral","sentiment_score":0.02185157546773553},{"text":"So it's the same with I'd like to sync your bank account.","start":2734.8352,"end":2737.415,"sentiment":"neutral","sentiment_score":0.03237363820274671},{"text":"Like, they they that's where your money sorry.","start":2737.5552,"end":2739.715,"sentiment":"neutral","sentiment_score":-0.08787807635962963}],"sentiment":"neutral","sentiment_score":-0.004492879308985941,"num_words":33,"start":2730.115,"end":2739.715},{"sentences":[{"text":"We don't have it.","start":2739.715,"end":2740.7551,"sentiment":"neutral","sentiment_score":-0.16715076565742493},{"text":"So I can't be like, okay.","start":2740.7551,"end":2742.5151,"sentiment":"neutral","sentiment_score":-0.13169714311758676},{"text":"I'll like, Oakview owns it.","start":2742.5151,"end":2744.215,"sentiment":"neutral","sentiment_score":-0.04509529247879982},{"text":"It's within Hub twenty four.","start":2744.36,"end":2745.8,"sentiment":"neutral","sentiment_score":0.011924927309155463},{"text":"We manage how things are invested, but there's, like, Hub twenty four because there's, like, hundreds of billions of funds.","start":2745.8,"end":2753.0,"sentiment":"neutral","sentiment_score":-0.009900735318660736}],"sentiment":"neutral","sentiment_score":-0.04556631133891642,"num_words":40,"start":2739.715,"end":2753.0},{"sentences":[{"text":"So it's not like just Oakview specific.","start":2753.0,"end":2755.1,"sentiment":"neutral","sentiment_score":-0.05414751970342228},{"text":"It's hundreds and hundreds of investors and and wholesale investors invest in Hub twenty four.","start":2755.24,"end":2760.535,"sentiment":"neutral","sentiment_score":0.03781563167770704},{"text":"So it's yeah.","start":2761.395,"end":2762.775,"sentiment":"neutral","sentiment_score":0.007798643161853154},{"text":"Correct.","start":2771.57,"end":2771.9702,"sentiment":"neutral","sentiment_score":0.16081933677196503},{"text":"So Hub twenty four because they are giant.","start":2771.9702,"end":2774.07,"sentiment":"neutral","sentiment_score":0.04741411143913865}],"sentiment":"neutral","sentiment_score":0.02210970573565539,"num_words":34,"start":2753.0,"end":2774.07},{"sentences":[{"text":"It's not if something were to happen to Hub twenty four, which would be very unlikely, but if you were to see some other super funds, they obviously get acquired.","start":2774.2102,"end":2782.6301,"sentiment":"neutral","sentiment_score":-0.1694440359249711},{"text":"So you would have potentially heard, like, Sunsuper, different investments within acquired by Australian Retirement Trust.","start":2783.325,"end":2789.005,"sentiment":"neutral","sentiment_score":0.009253010153770447},{"text":"They just buy buy super fund, and then members get transferred over through another super fund.","start":2789.005,"end":2794.625,"sentiment":"neutral","sentiment_score":-0.008562554139643908},{"text":"So that's basically how it works.","start":2796.06,"end":2797.4202,"sentiment":"neutral","sentiment_score":0.036072091509898506},{"text":"But, again what was that?","start":2797.4202,"end":2799.02,"sentiment":"neutral","sentiment_score":-0.07751471549272537}],"sentiment":"neutral","sentiment_score":-0.07182760013599102,"num_words":73,"start":2774.2102,"end":2799.02},{"sentences":[{"text":"Sorry.","start":2799.02,"end":2799.52,"sentiment":"neutral","sentiment_score":-0.22786690294742584},{"text":"100 percent.","start":2802.1401,"end":2803.04,"sentiment":"neutral","sentiment_score":-0.01537826657295227},{"text":"Yes.","start":2803.1802,"end":2803.58,"sentiment":"neutral","sentiment_score":0.04276427626609802},{"text":"So they have to follow Yes.","start":2803.58,"end":2806.1602,"sentiment":"neutral","sentiment_score":0.04429600387811661},{"text":"Exactly.","start":2806.46,"end":2806.96,"sentiment":"neutral","sentiment_score":0.11851581931114195}],"sentiment":"neutral","sentiment_score":0.015312062068419023,"num_words":11,"start":2799.02,"end":2806.96},{"sentences":[{"text":"So it is there.","start":2807.1802,"end":2808.285,"sentiment":"neutral","sentiment_score":0.09210038743913174},{"text":"Correct.","start":2810.605,"end":2811.105,"sentiment":"neutral","sentiment_score":0.0583270862698555},{"text":"Yes.","start":2812.365,"end":2812.865,"sentiment":"neutral","sentiment_score":0.07778824120759964},{"text":"Correct.","start":2814.845,"end":2815.345,"sentiment":"neutral","sentiment_score":0.10815740376710892},{"text":"Correct.","start":2817.2449,"end":2817.7449,"sentiment":"neutral","sentiment_score":0.0717448890209198}],"sentiment":"neutral","sentiment_score":0.08555239625275135,"num_words":8,"start":2807.1802,"end":2817.7449},{"sentences":[{"text":"Often when something were to happen, it is more in regards to the investments as well.","start":2818.285,"end":2823.16,"sentiment":"neutral","sentiment_score":-0.04785918700508773},{"text":"So you may have heard of, like, Shield Master Trust and kind of what happened with that.","start":2823.16,"end":2826.78,"sentiment":"neutral","sentiment_score":-0.06443807175930809},{"text":"No.","start":2829.8,"end":2830.3,"sentiment":"neutral","sentiment_score":-0.27232086658477783},{"text":"Yeah.","start":2831.0,"end":2831.32,"sentiment":"neutral","sentiment_score":-0.1733972579240799},{"text":"There was some issues, but that was with that specific investment option.","start":2831.32,"end":2835.74,"sentiment":"neutral","sentiment_score":-0.25685977190732956}],"sentiment":"neutral","sentiment_score":-0.11466445956141391,"num_words":47,"start":2818.285,"end":2835.74},{"sentences":[{"text":"Now Hub twenty four did not allow that single investment option on their platform.","start":2835.9849,"end":2840.9648,"sentiment":"neutral","sentiment_score":-0.2765278326613562},{"text":"So they obviously also have a lot of different rules to even allow an investment option to be available on that platform.","start":2841.265,"end":2848.005,"sentiment":"neutral","sentiment_score":-0.22291610085151412},{"text":"For example, the Shield Master Trust, that investment was managed fund.","start":2848.42,"end":2853.32,"sentiment":"neutral","sentiment_score":-0.08413338728926399},{"text":"That investment option was available with Macquarie and with Netwealth, for example, which you may have heard of Macquarie over to see massive.","start":2853.46,"end":2859.72,"sentiment":"neutral","sentiment_score":-0.08916160982588063},{"text":"So what happened is that that the Shield Master Trust collapsed.","start":2860.1,"end":2863.32,"sentiment":"negative","sentiment_score":-0.3347036459229209}],"sentiment":"neutral","sentiment_score":-0.19053664527557515,"num_words":81,"start":2835.9849,"end":2863.32},{"sentences":[{"text":"People had some money invested in that investment option.","start":2863.515,"end":2866.315,"sentiment":"neutral","sentiment_score":-0.171273367272483},{"text":"The whole super didn't collapse, but, obviously, if you had a 100% in Shieldmaster Trust, obviously, not as diversified.","start":2866.315,"end":2871.9348,"sentiment":"neutral","sentiment_score":-0.27188143996815933},{"text":"But what they are then looking at doing now is then kind of paying back the customers that were affected by that, and that's obviously when the government and everything steps in.","start":2872.315,"end":2881.5999,"sentiment":"neutral","sentiment_score":-0.029379071143921465},{"text":"But that was with one single investment option.","start":2881.5999,"end":2884.18,"sentiment":"neutral","sentiment_score":0.006956883240491152},{"text":"Like I said, Hub twenty four did not approve or allow that option on the platform.","start":2884.24,"end":2889.6199,"sentiment":"neutral","sentiment_score":-0.09511264448519796}],"sentiment":"neutral","sentiment_score":-0.1084938712772869,"num_words":84,"start":2863.515,"end":2889.6199},{"sentences":[{"text":"So to even qualify to be a choice, if something were to happen, Hub twenty four will then take also their liability.","start":2889.92,"end":2895.535,"sentiment":"neutral","sentiment_score":0.02021871219304475},{"text":"They would then be responsible to pay back.","start":2895.595,"end":2897.4348,"sentiment":"neutral","sentiment_score":-0.042778932489454746},{"text":"So there's a lot of legislation and stuff in place to protect you guys.","start":2897.4348,"end":2902.875,"sentiment":"neutral","sentiment_score":-0.007871838818703378},{"text":"And like I said, I use Hub twenty four for my personal super as well.","start":2902.875,"end":2906.415,"sentiment":"neutral","sentiment_score":0.1450650855898857},{"text":"So when it comes to the protection, it would be same legislation, same rules that Aware Super has to follow, Australian Super has to follow, and Hub 24 has to follow as well.","start":2906.9548,"end":2919.945,"sentiment":"neutral","sentiment_score":0.14723012618946307}],"sentiment":"neutral","sentiment_score":0.0763798360105442,"num_words":92,"start":2889.92,"end":2919.945},{"sentences":[{"text":"Does that make sense?","start":2923.145,"end":2924.205,"sentiment":"neutral","sentiment_score":0.15701881796121597},{"text":"Yes.","start":2926.105,"end":2926.605,"sentiment":"neutral","sentiment_score":0.12603165209293363},{"text":"Mhmm.","start":2931.96,"end":2932.46,"sentiment":"neutral","sentiment_score":0.05398914963006973},{"text":"Mhmm.","start":2938.3599,"end":2938.8599,"sentiment":"neutral","sentiment_score":0.052912674844264984},{"text":"Yep.","start":2942.76,"end":2943.26,"sentiment":"neutral","sentiment_score":0.10066673159599304}],"sentiment":"neutral","sentiment_score":0.12020943500101566,"num_words":8,"start":2923.145,"end":2943.26},{"sentences":[{"text":"Yep.","start":2945.0952,"end":2945.5952,"sentiment":"neutral","sentiment_score":0.08907972276210785},{"text":"Broader thing.","start":2947.3352,"end":2948.235,"sentiment":"neutral","sentiment_score":0.05854758247733116},{"text":"Yep.","start":2948.5352,"end":2949.0352,"sentiment":"neutral","sentiment_score":0.030252477154135704},{"text":"Yep.","start":2953.415,"end":2953.655,"sentiment":"neutral","sentiment_score":0.038791507482528687},{"text":"Yep.","start":2953.655,"end":2954.155,"sentiment":"neutral","sentiment_score":0.04762976989150047}],"sentiment":"neutral","sentiment_score":0.053808107040822506,"num_words":6,"start":2945.0952,"end":2954.155},{"sentences":[{"text":"Yeah.","start":2962.15,"end":2962.65,"sentiment":"neutral","sentiment_score":-0.0026867222040891647},{"text":"Yeah.","start":2963.59,"end":2964.09,"sentiment":"neutral","sentiment_score":0.01965191587805748},{"text":"And also, again, that one option, it is 500 companies.","start":2964.71,"end":2968.41,"sentiment":"neutral","sentiment_score":0.0423937488347292},{"text":"So it's not like, like, if something were to happen to, let's say, NVIDIA or something would happen, you don't have everything invested in that option.","start":2969.315,"end":2976.6948,"sentiment":"neutral","sentiment_score":0.04349553198195421},{"text":"As another company grows and gets bigger, it gets added to the 500, something smaller comes out.","start":2976.9148,"end":2982.275,"sentiment":"neutral","sentiment_score":0.18959908099735484}],"sentiment":"neutral","sentiment_score":0.08718128891831095,"num_words":55,"start":2962.15,"end":2982.275},{"sentences":[{"text":"You don't have to change your investments because you are just invested in the index tracking the largest 500.","start":2982.275,"end":2987.49,"sentiment":"neutral","sentiment_score":0.17666965448542646},{"text":"But, obviously, everything going on in the world, everything with AI and everything like that that's happened, US is definitely the forefront of that.","start":2988.51,"end":2996.53,"sentiment":"neutral","sentiment_score":0.28751525469124317},{"text":"And doing all the research, US is definitely still a good market to be in for the future.","start":2997.485,"end":3004.945,"sentiment":"positive","sentiment_score":0.6661843889289432},{"text":"Now, obviously, for your investments, it is long term.","start":3005.165,"end":3007.725,"sentiment":"neutral","sentiment_score":0.1416731278101603},{"text":"You can't access it until you turn 60 at the earliest.","start":3007.725,"end":3010.97,"sentiment":"neutral","sentiment_score":0.07588686150583354}],"sentiment":"neutral","sentiment_score":0.3007187922887596,"num_words":81,"start":2982.275,"end":3010.97},{"sentences":[{"text":"So, obviously, it is very much like that.","start":3011.27,"end":3013.85,"sentiment":"neutral","sentiment_score":0.04004063829779625},{"text":"But at the same time, we don't want a 100% invested in there because there's always going to be some short term fluctuations even when there's an election happening.","start":3014.31,"end":3021.13,"sentiment":"neutral","sentiment_score":-0.13062457663231883},{"text":"You see a little bit of fluctuations in the market.","start":3021.75,"end":3024.255,"sentiment":"neutral","sentiment_score":-0.14707771465182304},{"text":"The short term is not something we're concerned about unless there are some big structural issues happening in a market where we then to see that we wanna leave it.","start":3024.255,"end":3033.295,"sentiment":"neutral","sentiment_score":-0.12932831309735776},{"text":"For example, like, with China a little while ago and everything like that.","start":3033.295,"end":3037.055,"sentiment":"neutral","sentiment_score":-0.026315539645460937}],"sentiment":"neutral","sentiment_score":-0.10178351300872035,"num_words":90,"start":3011.27,"end":3037.055},{"sentences":[{"text":"If there's bigger things, then we wanna look at changing it.","start":3037.055,"end":3040.49,"sentiment":"neutral","sentiment_score":-0.0275330435145985},{"text":"But in terms of opportunities, US is still very much a market that we foresee that there being a lot of long term growth opportunities, especially when you are looking at technology and AI and everything that's kind of evolving.","start":3040.79,"end":3054.0552,"sentiment":"neutral","sentiment_score":0.28503551352769135},{"text":"They are very much the forefront of that.","start":3054.0552,"end":3056.2952,"sentiment":"neutral","sentiment_score":0.3273477107286453},{"text":"But that's not to say we wanna put everything there.","start":3056.2952,"end":3058.635,"sentiment":"neutral","sentiment_score":-0.0668797329068184},{"text":"Yep.","start":3060.455,"end":3060.955,"sentiment":"neutral","sentiment_score":0.10778462886810304}],"sentiment":"neutral","sentiment_score":0.18794751497251647,"num_words":70,"start":3037.055,"end":3060.955},{"sentences":[{"text":"But, again, as things change, if there's ever you never know what's going to happen in the world.","start":3061.415,"end":3065.895,"sentiment":"neutral","sentiment_score":-0.0709585967577166},{"text":"If things change, we obviously reconsider the position.","start":3065.895,"end":3069.79,"sentiment":"neutral","sentiment_score":-0.08893674984574318},{"text":"Yep.","start":3071.93,"end":3072.43,"sentiment":"neutral","sentiment_score":0.04168958216905594},{"text":"Mhmm.","start":3076.33,"end":3076.83,"sentiment":"neutral","sentiment_score":0.033904217183589935},{"text":"Yep.","start":3083.2249,"end":3083.7249,"sentiment":"neutral","sentiment_score":0.04611964523792267}],"sentiment":"neutral","sentiment_score":-0.06438052744187157,"num_words":29,"start":3061.415,"end":3083.7249},{"sentences":[{"text":"Mhmm.","start":3084.585,"end":3085.085,"sentiment":"neutral","sentiment_score":0.01871795579791069},{"text":"Yes.","start":3087.625,"end":3088.125,"sentiment":"neutral","sentiment_score":0.0133295226842165},{"text":"So before we were to do it, which you will see more in Alan's situation, because that's what we are doing for him, you will see that we factor in transaction fees, but which aren't very they're very minimal.","start":3093.24,"end":3106.555,"sentiment":"neutral","sentiment_score":0.02181097086614523},{"text":"But the biggest thing is capital gains tax because of how the investments are.","start":3107.655,"end":3113.035,"sentiment":"neutral","sentiment_score":-0.3246199776019369},{"text":"Obviously, when you are selling investments, if they have gone up, there will be capital gains same as if you're selling your personal investment or investment property or anything like that.","start":3113.095,"end":3123.7002,"sentiment":"neutral","sentiment_score":-0.20743269184904714}],"sentiment":"neutral","sentiment_score":-0.11735369524983473,"num_words":86,"start":3084.585,"end":3123.7002},{"sentences":[{"text":"There will be capital gains tax.","start":3123.7002,"end":3125.3,"sentiment":"neutral","sentiment_score":-0.1830606535077095},{"text":"Now it's not something you pay for personally because it's it's within superannuation, and it's not as much as you would have pay outside superannuation, but it is still a factor.","start":3125.3,"end":3135.375,"sentiment":"neutral","sentiment_score":-0.20925254494913162},{"text":"So when we decide or recommend what we are going to do, we factor in all of that.","start":3135.675,"end":3141.995,"sentiment":"neutral","sentiment_score":-0.003699218233426412},{"text":"So you will actually see for Alan's situation that there will be some capital gains tax with the recommendation, which I'll explain and go through.","start":3141.995,"end":3151.71,"sentiment":"neutral","sentiment_score":0.07320940405130387},{"text":"But then also factoring in we wanna minimize that as much as possible, but not to the detriment of just keeping you within an investment if long term that investment's going through kind of negate the capital gains tax.","start":3151.77,"end":3164.445,"sentiment":"neutral","sentiment_score":-0.029014200545274295}],"sentiment":"neutral","sentiment_score":-0.05842939044247154,"num_words":119,"start":3123.7002,"end":3164.445},{"sentences":[{"text":"But it's something that we have to consider all of it.","start":3164.445,"end":3166.845,"sentiment":"neutral","sentiment_score":-0.06822199645367535},{"text":"We can't just be like, okay.","start":3166.845,"end":3168.605,"sentiment":"neutral","sentiment_score":-0.2269009898106257},{"text":"Well, you've earned this much in this super fund.","start":3168.605,"end":3171.325,"sentiment":"neutral","sentiment_score":-0.1879366934299469},{"text":"You have a, you know, 20,000 capital gains tax.","start":3171.325,"end":3174.0898,"sentiment":"neutral","sentiment_score":-0.22954719927575853},{"text":"Let's just move you.","start":3174.0898,"end":3175.13,"sentiment":"neutral","sentiment_score":-0.029322468675673008}],"sentiment":"neutral","sentiment_score":-0.1534998156130314,"num_words":39,"start":3164.445,"end":3175.13},{"sentences":[{"text":"No.","start":3175.13,"end":3175.53,"sentiment":"neutral","sentiment_score":-0.20666807889938352},{"text":"Like, we have to factor in everything to be, like, what is going to be the best when it comes to the full disclosure of all fees.","start":3175.53,"end":3182.91,"sentiment":"neutral","sentiment_score":-0.11971020257031476},{"text":"And that's when we were to do, like, a new statement of advice.","start":3183.3699,"end":3185.93,"sentiment":"neutral","sentiment_score":0.006194028860101333},{"text":"So in Alan's situation, this is where where his situation comes in, where I have them made a recommendation considering all of that of what is going to be the best.","start":3185.93,"end":3195.7651,"sentiment":"neutral","sentiment_score":0.08508540389518585},{"text":"So we can't just go to be like I can't just call you to be like, okay.","start":3196.065,"end":3199.2651,"sentiment":"neutral","sentiment_score":-0.14772919127169779}],"sentiment":"neutral","sentiment_score":-0.03631539217960299,"num_words":89,"start":3175.13,"end":3199.2651},{"sentences":[{"text":"Cool.","start":3199.2651,"end":3199.5051,"sentiment":"neutral","sentiment_score":0.07542499899864197},{"text":"I wanna change this investment.","start":3199.5051,"end":3200.885,"sentiment":"neutral","sentiment_score":0.06329783201217651},{"text":"I have to present every time we do personalized tailored advice, we have to present everything in a statement of advice.","start":3201.06,"end":3207.3801,"sentiment":"neutral","sentiment_score":0.11742555350065231},{"text":"Can be a little bit tedious, but you just make sure that you are fully informed of everything and that everything has been considered.","start":3207.3801,"end":3215.1602,"sentiment":"neutral","sentiment_score":0.08977095720668633},{"text":"You have to then sign off on that before we can actually proceed with it.","start":3215.405,"end":3222.385,"sentiment":"neutral","sentiment_score":0.05164574732383092}],"sentiment":"neutral","sentiment_score":0.08768242371804787,"num_words":66,"start":3199.2651,"end":3222.385},{"sentences":[{"text":"Yes.","start":3233.1,"end":3233.6,"sentiment":"neutral","sentiment_score":0.1191009357571602},{"text":"Yes.","start":3235.6602,"end":3236.1602,"sentiment":"neutral","sentiment_score":0.12833918631076813},{"text":"Yes.","start":3239.34,"end":3239.84,"sentiment":"neutral","sentiment_score":-0.02321808412671089},{"text":"No.","start":3241.375,"end":3241.875,"sentiment":"neutral","sentiment_score":-0.10082515329122543},{"text":"It's good.","start":3242.1748,"end":3242.835,"sentiment":"positive","sentiment_score":0.39926040172576904}],"sentiment":"neutral","sentiment_score":0.15365294801692167,"num_words":6,"start":3233.1,"end":3242.835},{"sentences":[{"text":"I like it because that means that you are onto it.","start":3242.8948,"end":3246.035,"sentiment":"positive","sentiment_score":0.4609196836298162},{"text":"And that's good because that tells me also that you understand it and that you have a good concept of it.","start":3246.6548,"end":3251.4548,"sentiment":"positive","sentiment_score":0.44388851594357265},{"text":"So I would rather you ask me and not.","start":3251.4548,"end":3254.1948,"sentiment":"neutral","sentiment_score":-0.06318174799283345},{"text":"Okay.","start":3257.3699,"end":3257.8699,"sentiment":"neutral","sentiment_score":-0.12494327127933502},{"text":"Probably not.","start":3262.57,"end":3263.63,"sentiment":"neutral","sentiment_score":-0.13370772451162338}],"sentiment":"neutral","sentiment_score":0.30524502051147545,"num_words":44,"start":3242.8948,"end":3263.63},{"sentences":[{"text":"Hello?","start":3263.93,"end":3264.43,"sentiment":"neutral","sentiment_score":-0.07225798070430756},{"text":"Yes.","start":3265.93,"end":3266.41,"sentiment":"neutral","sentiment_score":0.05173822492361069},{"text":"Of course, we can.","start":3266.41,"end":3267.63,"sentiment":"neutral","sentiment_score":0.11722431518137455},{"text":"Now let me have a look because, yes, there is quite a lot more, especially when it comes to contributions that get quite technical.","start":3268.845,"end":3273.905,"sentiment":"neutral","sentiment_score":-0.0024971695772061744},{"text":"And I wanna make sure we address everything together.","start":3274.765,"end":3277.825,"sentiment":"neutral","sentiment_score":0.023571115401056077}],"sentiment":"neutral","sentiment_score":0.015399627530804047,"num_words":39,"start":3263.93,"end":3277.825},{"sentences":[{"text":"So when is another best time for you guys?","start":3278.285,"end":3283.585,"sentiment":"neutral","sentiment_score":0.04996052487856812},{"text":"Alright.","start":3288.4202,"end":3288.74,"sentiment":"neutral","sentiment_score":0.03653743863105774},{"text":"So let me have a look.","start":3288.74,"end":3290.2002,"sentiment":"neutral","sentiment_score":0.03813192496697108},{"text":"Yeah.","start":3290.26,"end":3290.74,"sentiment":"neutral","sentiment_score":0.029224902391433716},{"text":"So at the moment, I'm fully booked Monday, Tuesday.","start":3290.74,"end":3294.6802,"sentiment":"neutral","sentiment_score":0.0454437006264925}],"sentiment":"neutral","sentiment_score":0.044353535398840904,"num_words":26,"start":3278.285,"end":3294.6802},{"sentences":[{"text":"I have availability Wednesday.","start":3294.74,"end":3296.36,"sentiment":"neutral","sentiment_score":0.05424109287559986},{"text":"I have same time as today, if that works.","start":3297.1401,"end":3302.585,"sentiment":"neutral","sentiment_score":0.11813553091552523},{"text":"Okay.","start":3302.645,"end":3303.145,"sentiment":"neutral","sentiment_score":0.18103815615177157},{"text":"Beautiful.","start":3303.2852,"end":3303.7852,"sentiment":"positive","sentiment_score":0.46585947275161743},{"text":"Now because we kind of already touched on investments for both of you, obviously, if you have any questions, let me know.","start":3304.885,"end":3310.0251,"sentiment":"neutral","sentiment_score":0.2348945215344429}],"sentiment":"neutral","sentiment_score":0.191750304119007,"num_words":37,"start":3294.74,"end":3310.0251},{"sentences":[{"text":"But we can then tryna tryna go on to the other things.","start":3310.405,"end":3314.0898,"sentiment":"neutral","sentiment_score":0.16192416784663996},{"text":"Again, once I've gone through everything, I will let you guys take your time to read over it.","start":3314.23,"end":3317.99,"sentiment":"neutral","sentiment_score":0.236683694852723},{"text":"We can then book a follow-up.","start":3317.99,"end":3319.2898,"sentiment":"neutral","sentiment_score":0.17760421335697174},{"text":"And then any other questions you have, we can definitely go through as well.","start":3319.5898,"end":3323.03,"sentiment":"neutral","sentiment_score":0.21557838789054326},{"text":"But I don't wanna make Alan late to work, so I will let let you both go as well.","start":3323.03,"end":3330.065,"sentiment":"neutral","sentiment_score":0.006086508204278193}],"sentiment":"neutral","sentiment_score":0.1507646795362234,"num_words":69,"start":3310.405,"end":3330.065},{"sentences":[{"text":"You can also have a read through these documents before now and next Wednesday if you want to.","start":3330.065,"end":3334.405,"sentiment":"neutral","sentiment_score":0.04759147266546885},{"text":"So if you do have any other questions, let me know.","start":3334.465,"end":3337.365,"sentiment":"neutral","sentiment_score":0.1064277169379321},{"text":"And that way, we can hopefully save a little bit of time.","start":3338.6602,"end":3340.9001,"sentiment":"neutral","sentiment_score":0.279735442250967},{"text":"Next time, there's still a few things I do wanna go through to make sure you fully understand everything, go and explain it.","start":3340.9001,"end":3346.1802,"sentiment":"neutral","sentiment_score":0.06960910898835762},{"text":"But everything is very detailed in the document as well.","start":3346.1802,"end":3348.98,"sentiment":"neutral","sentiment_score":0.14100058153271675}],"sentiment":"neutral","sentiment_score":0.11344854085630662,"num_words":74,"start":3330.065,"end":3348.98},{"sentences":[{"text":"It gives you all the information so you guys can have a read over that.","start":3348.98,"end":3353.555,"sentiment":"neutral","sentiment_score":0.15229139924049379},{"text":"Alright.","start":3353.555,"end":3354.035,"sentiment":"neutral","sentiment_score":0.22586461901664737},{"text":"Perfect.","start":3354.035,"end":3354.535,"sentiment":"positive","sentiment_score":0.6650372743606567},{"text":"Thank you so much, guys, both of you.","start":3355.155,"end":3357.4949,"sentiment":"positive","sentiment_score":0.7582551017403603},{"text":"I will let you go, and I will call you both back next Wednesday, July 1, which seems pretty crazy, at 08:30.","start":3357.635,"end":3367.0999,"sentiment":"neutral","sentiment_score":0.21494360200383447}],"sentiment":"neutral","sentiment_score":0.29723559446791387,"num_words":47,"start":3348.98,"end":3367.0999},{"sentences":[{"text":"I hope you have a lovely birthday, Quinn, and that you enjoy your little getaway.","start":3367.16,"end":3372.2998,"sentiment":"positive","sentiment_score":0.6091150899728139},{"text":"No.","start":3375.5598,"end":3376.0598,"sentiment":"neutral","sentiment_score":0.10381734371185304},{"text":"No worries.","start":3376.2798,"end":3376.92,"sentiment":"neutral","sentiment_score":0.11449778825044632},{"text":"Like I said, I would rather you ask me the question than not and then be unsure about anything.","start":3376.92,"end":3383.185,"sentiment":"neutral","sentiment_score":-0.07389467052723232},{"text":"So I would much rather you ask any questions.","start":3383.185,"end":3385.445,"sentiment":"neutral","sentiment_score":0.014679473721318774}],"sentiment":"neutral","sentiment_score":0.17820990854955238,"num_words":46,"start":3367.16,"end":3385.445},{"sentences":[{"text":"Yeah.","start":3389.985,"end":3390.485,"sentiment":"neutral","sentiment_score":-0.0026570912450551987},{"text":"No.","start":3395.3599,"end":3395.8599,"sentiment":"neutral","sentiment_score":-0.1884538233280182},{"text":"And you shouldn't.","start":3396.48,"end":3397.38,"sentiment":"neutral","sentiment_score":-0.17898560067017874},{"text":"No.","start":3406.175,"end":3406.675,"sentiment":"neutral","sentiment_score":-0.12486926466226578},{"text":"It's it's fair.","start":3407.375,"end":3408.435,"sentiment":"neutral","sentiment_score":0.12776309872666994}],"sentiment":"neutral","sentiment_score":-0.052183076118429504,"num_words":9,"start":3389.985,"end":3408.435},{"sentences":[{"text":"It's fair.","start":3408.575,"end":3409.395,"sentiment":"neutral","sentiment_score":0.26862089335918427},{"text":"And it's really really valid.","start":3410.335,"end":3411.935,"sentiment":"neutral","sentiment_score":0.32579549551010134},{"text":"It's like, at the end of the day, it's your retirement.","start":3411.935,"end":3413.935,"sentiment":"neutral","sentiment_score":0.23752007294784894},{"text":"It's your savings, and you wanna make sure that you make the best informed decisions for you.","start":3413.935,"end":3419.67,"sentiment":"neutral","sentiment_score":0.2890845651135725},{"text":"And that's also what we are here to do as 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everything.","start":3451.38,"end":3455.0,"sentiment":"neutral","sentiment_score":0.14451810853047806},{"text":"But there are there's a lot of legislation in place to protect you.","start":3455.78,"end":3458.835,"sentiment":"neutral","sentiment_score":0.03825307293580128},{"text":"There's a lot of legislation in pray in place and compliance for an adviser.","start":3458.915,"end":3463.555,"sentiment":"neutral","sentiment_score":0.03423671650567225},{"text":"It is very heavily regulated, specific specifically with ASIC, but there's also, like, a lot of internal dispute resolution system.","start":3463.555,"end":3471.415,"sentiment":"neutral","sentiment_score":0.03139915429055691},{"text":"So there's a lot of things in place to make sure that what I'm doing is right for you, that I have all the relevant qualifications and legislation and all the compliance that I'm bound by, that Oakview is bound by as the licensee, and that we always act in your best interest.","start":3471.7148,"end":3487.9001,"sentiment":"neutral","sentiment_score":0.22200311312697968}],"sentiment":"neutral","sentiment_score":0.13477884013172206,"num_words":111,"start":3451.38,"end":3487.9001},{"sentences":[{"text":"So there's a lot in place.","start":3487.9001,"end":3489.1,"sentiment":"neutral","sentiment_score":0.0223320834338665},{"text":"There's a lot of red tape in the industry, which can be tedious from a paperwork point of view, but that is just in place to protect the customers at the end of the day.","start":3489.1,"end":3498.535,"sentiment":"neutral","sentiment_score":-0.11309678192649569},{"text":"Yep.","start":3499.635,"end":3500.135,"sentiment":"neutral","sentiment_score":0.16861562430858612},{"text":"Yeah.","start":3506.77,"end":3507.27,"sentiment":"neutral","sentiment_score":0.11410224437713624},{"text":"Oh, I'm the same.","start":3507.33,"end":3508.45,"sentiment":"neutral","sentiment_score":0.11231827363371849}],"sentiment":"neutral","sentiment_score":-0.06579582773624583,"num_words":47,"start":3487.9001,"end":3508.45},{"sentences":[{"text":"I would never sign anything.","start":3508.45,"end":3509.57,"sentiment":"neutral","sentiment_score":0.06429235190153122},{"text":"I even read five prints.","start":3509.57,"end":3510.87,"sentiment":"neutral","sentiment_score":0.09616444110870362},{"text":"So that's good.","start":3511.1702,"end":3512.3901,"sentiment":"positive","sentiment_score":0.4721088806788127},{"text":"Yeah.","start":3535.69,"end":3536.19,"sentiment":"neutral","sentiment_score":0.09971883893013},{"text":"Yes.","start":3536.25,"end":3536.75,"sentiment":"neutral","sentiment_score":0.1301649808883667}],"sentiment":"neutral","sentiment_score":0.16323296179374058,"num_words":15,"start":3508.45,"end":3536.75},{"sentences":[{"text":"Mhmm.","start":3540.425,"end":3540.925,"sentiment":"neutral","sentiment_score":0.05595781654119491},{"text":"Yes.","start":3542.345,"end":3542.845,"sentiment":"neutral","sentiment_score":-0.03374375402927399},{"text":"Yep.","start":3544.2651,"end":3544.7651,"sentiment":"neutral","sentiment_score":0.17802298069000244},{"text":"Yes.","start":3549.465,"end":3549.965,"sentiment":"neutral","sentiment_score":0.1722768247127533},{"text":"Continuing.","start":3551.305,"end":3551.805,"sentiment":"neutral","sentiment_score":0.13247911632061005}],"sentiment":"neutral","sentiment_score":0.10099859684705734,"num_words":5,"start":3540.425,"end":3551.805},{"sentences":[{"text":"Mhmm.","start":3552.66,"end":3553.16,"sentiment":"neutral","sentiment_score":0.1093822568655014},{"text":"Mhmm.","start":3559.38,"end":3559.88,"sentiment":"neutral","sentiment_score":0.06616435199975967},{"text":"Yep.","start":3562.0999,"end":3562.5999,"sentiment":"positive","sentiment_score":0.4397306442260742},{"text":"Yes.","start":3565.155,"end":3565.655,"sentiment":"positive","sentiment_score":0.6037002801895142},{"text":"Doing the right thing.","start":3568.195,"end":3569.415,"sentiment":"positive","sentiment_score":0.47058215737342834}],"sentiment":"positive","sentiment_score":0.38766327034682035,"num_words":8,"start":3552.66,"end":3569.415},{"sentences":[{"text":"Yep.","start":3570.115,"end":3570.615,"sentiment":"neutral","sentiment_score":0.228324294090271},{"text":"Mhmm.","start":3576.21,"end":3576.71,"sentiment":"positive","sentiment_score":0.40058180689811707},{"text":"Yeah.","start":3583.73,"end":3584.23,"sentiment":"positive","sentiment_score":0.3861654996871948},{"text":"Yep.","start":3586.13,"end":3586.63,"sentiment":"neutral","sentiment_score":0.06856294721364975},{"text":"Yes.","start":3590.225,"end":3590.725,"sentiment":"neutral","sentiment_score":-0.0029422082006931305}],"sentiment":"neutral","sentiment_score":0.2161384679377079,"num_words":5,"start":3570.115,"end":3590.725},{"sentences":[{"text":"Yeah.","start":3591.0251,"end":3591.5251,"sentiment":"neutral","sentiment_score":0.06516076624393463},{"text":"And and one of the things here, you can obviously go go on our website.","start":3591.985,"end":3595.2651,"sentiment":"neutral","sentiment_score":0.11472414682308833},{"text":"You can read everything.","start":3595.2651,"end":3595.985,"sentiment":"neutral","sentiment_score":0.0910583846271038},{"text":"Part of the document is that financial services guide, which shows you all the advisers.","start":3595.985,"end":3599.425,"sentiment":"neutral","sentiment_score":0.12799851099650064},{"text":"It shows you the directors.","start":3599.425,"end":3600.625,"sentiment":"neutral","sentiment_score":0.16086757481098174}],"sentiment":"neutral","sentiment_score":0.12186430115252733,"num_words":40,"start":3591.0251,"end":3600.625},{"sentences":[{"text":"It shows everybody.","start":3600.625,"end":3601.605,"sentiment":"neutral","sentiment_score":0.15149893363316855},{"text":"But one of the the good thing as well is with the under review.","start":3602.91,"end":3607.79,"sentiment":"neutral","sentiment_score":0.22459255105682782},{"text":"So how the legislation and stuff also work is that we can't just be like, let's say, you move overseas, don't tell us, or whatever it might be.","start":3607.79,"end":3617.41,"sentiment":"neutral","sentiment_score":0.0025391957024112344},{"text":"We cannot keep charging fees.","start":3617.715,"end":3619.895,"sentiment":"neutral","sentiment_score":-0.14368374794721603},{"text":"Every twelve months, you legally have to sign a document to say that you are happy to stay on for the next twelve months.","start":3620.435,"end":3628.215,"sentiment":"neutral","sentiment_score":0.1456545308077087}],"sentiment":"neutral","sentiment_score":0.08712405398664241,"num_words":74,"start":3600.625,"end":3628.215},{"sentences":[{"text":"It is not a locking contract at any point in time.","start":3628.355,"end":3630.96,"sentiment":"neutral","sentiment_score":-0.014244754883376036},{"text":"But even in any period of time during the twelve month, if you go to know what?","start":3631.04,"end":3635.06,"sentiment":"neutral","sentiment_score":-0.014722913832348935},{"text":"This isn't for me anymore.","start":3635.2,"end":3636.66,"sentiment":"neutral","sentiment_score":-0.2016101598739624},{"text":"There's no lock in contract.","start":3636.72,"end":3638.0,"sentiment":"neutral","sentiment_score":-0.024482447654008865},{"text":"There's no excess fees or anything like that.","start":3638.0,"end":3640.42,"sentiment":"neutral","sentiment_score":0.023006573552265763}],"sentiment":"neutral","sentiment_score":-0.029421571480191273,"num_words":46,"start":3628.355,"end":3640.42},{"sentences":[{"text":"But if you don't sign that twelve month agreement every single twelve months, we can't just keep charting fees.","start":3640.64,"end":3647.435,"sentiment":"neutral","sentiment_score":-0.21471806929299705},{"text":"You have to say, okay.","start":3647.735,"end":3649.435,"sentiment":"neutral","sentiment_score":0.07417220175266266},{"text":"I am happy with the last twelve months.","start":3649.655,"end":3651.995,"sentiment":"positive","sentiment_score":0.5526359230279922},{"text":"During the under review, which, obviously, Alan can kind of go through from from the that point of view, is that we go actually through how your investments have performed, fees, where everything's at to give you that transparency so you can see, okay.","start":3652.135,"end":3666.05,"sentiment":"neutral","sentiment_score":0.09939346445555036},{"text":"Well, what's happened in the last twelve months?","start":3666.51,"end":3669.09,"sentiment":"neutral","sentiment_score":0.15164329297840595}],"sentiment":"neutral","sentiment_score":0.07498528400347346,"num_words":84,"start":3640.64,"end":3669.09},{"sentences":[{"text":"How are things looking?","start":3669.1501,"end":3670.45,"sentiment":"neutral","sentiment_score":0.23219215497374535},{"text":"Am I happy with the service?","start":3671.07,"end":3672.59,"sentiment":"neutral","sentiment_score":0.3230200707912445},{"text":"Am I happy with my returns?","start":3672.59,"end":3674.03,"sentiment":"neutral","sentiment_score":0.28362369537353516},{"text":"Am I happy with the investments?","start":3674.03,"end":3675.455,"sentiment":"neutral","sentiment_score":0.26039356489976245},{"text":"Whatever is happening, you then say, okay.","start":3675.5952,"end":3678.5552,"sentiment":"neutral","sentiment_score":0.18760271157537187}],"sentiment":"neutral","sentiment_score":0.2566969512865461,"num_words":29,"start":3669.1501,"end":3678.5552},{"sentences":[{"text":"I'm happy to stay on for the next twelve months.","start":3678.5552,"end":3680.735,"sentiment":"positive","sentiment_score":0.5306593477725983},{"text":"So it's not something that you commit to and then just off you go.","start":3680.875,"end":3685.115,"sentiment":"neutral","sentiment_score":0.07780043142182487},{"text":"It is something that you are doing.","start":3685.115,"end":3687.33,"sentiment":"neutral","sentiment_score":0.16666161801133836},{"text":"But like I said, I also have some clients that wants quarterly catch ups, six monthly catch ups, monthly catch ups.","start":3687.33,"end":3694.1301,"sentiment":"neutral","sentiment_score":0.11995239839667365},{"text":"At the end of the day, how much how much communication you want with me and overview, it is up to you.","start":3694.1301,"end":3699.6501,"sentiment":"neutral","sentiment_score":0.15783762897957454}],"sentiment":"neutral","sentiment_score":0.18316025739988764,"num_words":74,"start":3678.5552,"end":3699.6501},{"sentences":[{"text":"Some people go twelve months is fine because, obviously, a lot can happen in twelve months, and that is fine.","start":3699.6501,"end":3704.875,"sentiment":"neutral","sentiment_score":0.1355992801487446},{"text":"And every twelve months, we will send you the documents.","start":3704.875,"end":3707.195,"sentiment":"neutral","sentiment_score":0.156844412535429},{"text":"Obviously, you have access to you have 24 where you can, like Allan said, see all the transactions, see the investments, keep a lookout on everything, all your individual investments, how they're performing.","start":3707.195,"end":3716.17,"sentiment":"neutral","sentiment_score":0.2162199675133734},{"text":"So it gives you that transparency.","start":3716.71,"end":3718.17,"sentiment":"neutral","sentiment_score":0.2496023327112198},{"text":"There's a lot of different reports features you can do.","start":3718.3098,"end":3720.89,"sentiment":"neutral","sentiment_score":0.14125639721751213}],"sentiment":"neutral","sentiment_score":0.18134008385712588,"num_words":79,"start":3699.6501,"end":3720.89},{"sentences":[{"text":"But, again, during under review, we give you a snapshot of the last twelve months and go through where everything's at, how things are sitting, go through returns, and everything like that.","start":3721.1099,"end":3730.115,"sentiment":"neutral","sentiment_score":0.10922169219702482},{"text":"And you have to then say, okay.","start":3730.115,"end":3732.5352,"sentiment":"neutral","sentiment_score":0.19718287246567862},{"text":"I'm still happy.","start":3732.835,"end":3733.815,"sentiment":"positive","sentiment_score":0.39192341764767963},{"text":"Let's sign another agreement and see where things go.","start":3734.355,"end":3738.135,"sentiment":"neutral","sentiment_score":0.12294435915019777},{"text":"Correct.","start":3744.8499,"end":3745.3499,"sentiment":"neutral","sentiment_score":0.06092741340398789}],"sentiment":"neutral","sentiment_score":0.13881867608198753,"num_words":52,"start":3721.1099,"end":3745.3499},{"sentences":[{"text":"Yes.","start":3747.5698,"end":3748.0698,"sentiment":"neutral","sentiment_score":0.04614231362938881},{"text":"Yes.","start":3749.8098,"end":3750.3098,"sentiment":"neutral","sentiment_score":0.09046437591314316},{"text":"Yes.","start":3753.0251,"end":3753.5251,"sentiment":"neutral","sentiment_score":0.0954519733786583},{"text":"Yes.","start":3754.5452,"end":3755.0452,"sentiment":"neutral","sentiment_score":0.07850363105535507},{"text":"Everything.","start":3756.0652,"end":3756.5652,"sentiment":"neutral","sentiment_score":0.08529681712388992}],"sentiment":"neutral","sentiment_score":0.07917182222008705,"num_words":5,"start":3747.5698,"end":3756.5652},{"sentences":[{"text":"Yes.","start":3757.105,"end":3757.605,"sentiment":"neutral","sentiment_score":0.06565797328948975},{"text":"And it also needs to yes.","start":3759.905,"end":3762.5652,"sentiment":"neutral","sentiment_score":0.017190817122658093},{"text":"Everything.","start":3764.64,"end":3765.14,"sentiment":"neutral","sentiment_score":0.06158757209777832},{"text":"Yes.","start":3765.68,"end":3766.18,"sentiment":"neutral","sentiment_score":0.1250375658273697},{"text":"And it also means that you can call me whenever you want to for any specific questions even if you just wanna be like, hey.","start":3766.64,"end":3772.24,"sentiment":"positive","sentiment_score":0.341438467502594}],"sentiment":"neutral","sentiment_score":0.26151146180927753,"num_words":34,"start":3757.105,"end":3772.24},{"sentences":[{"text":"I'm looking at doing this, so I want to talk about this.","start":3772.24,"end":3774.9,"sentiment":"neutral","sentiment_score":0.3053848048051198},{"text":"The reason we do it this way as well is that we find that a lot more clients are more communicative than if we were to do it, let's say, the lawyer way where you just charge a yearly sometimes hourly fee.","start":3775.205,"end":3789.0,"sentiment":"neutral","sentiment_score":0.18021252210296335},{"text":"What tends to happen sometimes so you just charge for like, let's say, if you wanna book an appointment and talk about something, you obviously have to pay that consultation fee.","start":3789.88,"end":3798.54,"sentiment":"neutral","sentiment_score":-0.11145383672368142},{"text":"What can happen with that is that clients decide not to contact if there is something that we could actually help them through because they don't wanna pay for it.","start":3800.12,"end":3809.225,"sentiment":"neutral","sentiment_score":-0.05921944024351736},{"text":"So having the same flat fee for the year, so the same ongoing advice fee, means that you will also be more proactive.","start":3809.525,"end":3818.46,"sentiment":"positive","sentiment_score":0.4678224014199298}],"sentiment":"neutral","sentiment_score":0.12146236719496116,"num_words":138,"start":3772.24,"end":3818.46},{"sentences":[{"text":"You are more inclined to give me a call if you have any questions, if there's anything you're looking at doing because there's no additional fees and charges whatsoever.","start":3818.46,"end":3826.0,"sentiment":"positive","sentiment_score":0.4965325917663245},{"text":"So that means that we can stay on top of everything and make sure that everything are continued through aligning with you if things are changing.","start":3826.22,"end":3833.855,"sentiment":"positive","sentiment_score":0.5516916335775301},{"text":"Because if, let's say, you were through you made redundant or change and you don't tell us anything, you know, that could impact things.","start":3833.855,"end":3842.335,"sentiment":"neutral","sentiment_score":-0.17895723972469568},{"text":"That could impact the potentially some obviously, your super growth if you are off work for a very long period of time.","start":3842.335,"end":3849.59,"sentiment":"neutral","sentiment_score":-0.2654970024119724},{"text":"If you guys buy another property, investment property, if you guys start a family, whatever it might be, that could change situation for you.","start":3850.45,"end":3857.99,"sentiment":"neutral","sentiment_score":0.023061465316762526}],"sentiment":"neutral","sentiment_score":0.15328795996308325,"num_words":125,"start":3818.46,"end":3857.99},{"sentences":[{"text":"So we want you to call us if something wanna happen.","start":3858.125,"end":3860.6848,"sentiment":"neutral","sentiment_score":0.21744129874489523},{"text":"We can reassess everything and work together.","start":3860.6848,"end":3862.625,"sentiment":"neutral","sentiment_score":0.3226240149566105},{"text":"But even sometimes, if people are like, oh, I wanna talk about this, or I want some cash on budgeting guidance, or I want this, you can call us whenever you want through, and there's no additional fees and charges.","start":3862.765,"end":3873.1301,"sentiment":"neutral","sentiment_score":0.22442091442644596},{"text":"It's all part of that ongoing management.","start":3873.1301,"end":3875.07,"sentiment":"positive","sentiment_score":0.3866917703832899},{"text":"Yes.","start":3883.29,"end":3883.725,"sentiment":"neutral","sentiment_score":0.27053895592689514}],"sentiment":"neutral","sentiment_score":0.25158242903875583,"num_words":66,"start":3858.125,"end":3883.725},{"sentences":[{"text":"Yes and no.","start":3892.205,"end":3893.2651,"sentiment":"neutral","sentiment_score":-0.0019454782207806904},{"text":"No.","start":3893.5652,"end":3894.0652,"sentiment":"neutral","sentiment_score":-0.021603012457489967},{"text":"Because we we don't charge a performance fee.","start":3894.125,"end":3897.485,"sentiment":"neutral","sentiment_score":0.019481302704662085},{"text":"So, obviously, some fund managers charge a performance fee.","start":3897.485,"end":3899.71,"sentiment":"neutral","sentiment_score":-0.022465965607100062},{"text":"We don't.","start":3899.71,"end":3900.45,"sentiment":"neutral","sentiment_score":-0.039798012003302574}],"sentiment":"neutral","sentiment_score":-0.006668640867523525,"num_words":23,"start":3892.205,"end":3900.45},{"sentences":[{"text":"How the ongoing advice fee work is that it is a percentage of your super balance.","start":3900.67,"end":3906.45,"sentiment":"neutral","sentiment_score":0.04764099256135523},{"text":"Obviously, as your superannuation balance fluctuates, that dollar value can fluctuate.","start":3907.0698,"end":3912.965,"sentiment":"neutral","sentiment_score":-0.025104942703778346},{"text":"If it's a dip in the market and your super balance go down at the time, we'll get paid less.","start":3912.965,"end":3917.225,"sentiment":"neutral","sentiment_score":-0.11718261633068323},{"text":"As the super balance continues to grow, it will obviously increase.","start":3917.445,"end":3921.225,"sentiment":"neutral","sentiment_score":0.18122996796261182},{"text":"So at the same time, it is that kind of mutually beneficial agreement that the more super you have, the more, obviously, we get paid at the same time.","start":3921.5251,"end":3931.7,"sentiment":"positive","sentiment_score":0.4171505380293419}],"sentiment":"neutral","sentiment_score":0.14061315442604713,"num_words":87,"start":3900.67,"end":3931.7},{"sentences":[{"text":"That it is not, like, a performance based, that it is based on your super balance.","start":3931.76,"end":3936.42,"sentiment":"neutral","sentiment_score":-0.07616075407713652},{"text":"Does that make sense?","start":3938.5752,"end":3939.635,"sentiment":"neutral","sentiment_score":-0.0022674077190458775},{"text":"Correct.","start":3941.135,"end":3941.635,"sentiment":"neutral","sentiment_score":0.038962360471487045},{"text":"Yes.","start":3941.935,"end":3942.435,"sentiment":"neutral","sentiment_score":0.04886848106980324},{"text":"Correct.","start":3951.31,"end":3951.81,"sentiment":"neutral","sentiment_score":0.07554174959659576}],"sentiment":"neutral","sentiment_score":-0.04627256978141225,"num_words":23,"start":3931.76,"end":3951.81},{"sentences":[{"text":"Correct.","start":3957.63,"end":3958.13,"sentiment":"neutral","sentiment_score":0.06351174414157867},{"text":"Correct.","start":3959.31,"end":3959.81,"sentiment":"neutral","sentiment_score":0.12022672593593596},{"text":"And that can fluctuate a little bit depending on, obviously, your super balance.","start":3959.8699,"end":3964.05,"sentiment":"neutral","sentiment_score":0.04838200343342928},{"text":"Now we normally display it as a yearly figure, but it is not a deductible yearly.","start":3964.235,"end":3968.955,"sentiment":"neutral","sentiment_score":0.10347994300536811},{"text":"It is charged on a monthly basis to make it more fair to you with the market fluctuations.","start":3968.955,"end":3974.095,"sentiment":"neutral","sentiment_score":0.20059712981391284}],"sentiment":"neutral","sentiment_score":0.12406391713160034,"num_words":49,"start":3957.63,"end":3974.095},{"sentences":[{"text":"But then also so it's not like you pay for twelve months and then you locked in.","start":3974.395,"end":3977.595,"sentiment":"neutral","sentiment_score":-0.024217336329028886},{"text":"It is a monthly fee that comes out.","start":3977.595,"end":3979.41,"sentiment":"neutral","sentiment_score":-0.0021997714648023248},{"text":"So you will see it monthly come out.","start":3979.41,"end":3982.05,"sentiment":"neutral","sentiment_score":0.02892309590242803},{"text":"But for this, we show you that approximate yearly fee, but it is not like one off fee that comes out once a year.","start":3982.05,"end":3988.77,"sentiment":"neutral","sentiment_score":0.015724715505105753},{"text":"It is just like a monthly.","start":3988.77,"end":3990.0698,"sentiment":"neutral","sentiment_score":0.0274477608812352}],"sentiment":"neutral","sentiment_score":0.005463041512975617,"num_words":63,"start":3974.395,"end":3990.0698},{"sentences":[{"text":"Correct.","start":3993.2651,"end":3993.7651,"sentiment":"neutral","sentiment_score":0.03647835925221443},{"text":"Yeah.","start":3995.185,"end":3995.685,"sentiment":"neutral","sentiment_score":0.0697648748755455},{"text":"Yeah.","start":3999.745,"end":4000.245,"sentiment":"neutral","sentiment_score":0.1625898778438568},{"text":"And it's all in the document as well, and we can go through it a little bit too because there's been a because, obviously, if you and Alan are both a client, there is a bit of a discount on the fees, which is great to make it a little bit more affordable for both of you.","start":4000.3052,"end":4014.1702,"sentiment":"neutral","sentiment_score":0.245821414678766},{"text":"But I'll go through all of that with Alan as well next Wednesday.","start":4014.79,"end":4018.47,"sentiment":"neutral","sentiment_score":0.1234511652818093}],"sentiment":"neutral","sentiment_score":0.21760984790855892,"num_words":73,"start":3993.2651,"end":4018.47},{"sentences":[{"text":"But you can also have a read through this document, like I said, before Wednesday if you have capacity to do that.","start":4018.47,"end":4024.925,"sentiment":"neutral","sentiment_score":0.05544341795823791},{"text":"If not, we'll go through everything together next Wednesday.","start":4024.925,"end":4027.9849,"sentiment":"neutral","sentiment_score":0.05847125148607625},{"text":"And then following that, I'll still give you guys time to obviously read over anything, and we can go through any further questions after that as well.","start":4028.605,"end":4038.75,"sentiment":"neutral","sentiment_score":0.09642386643422975},{"text":"Oh, good.","start":4041.77,"end":4042.51,"sentiment":"positive","sentiment_score":0.48521628975868225},{"text":"Yeah.","start":4045.61,"end":4046.11,"sentiment":"neutral","sentiment_score":0.1491622030735016}],"sentiment":"neutral","sentiment_score":0.08965632188149163,"num_words":61,"start":4018.47,"end":4046.11},{"sentences":[{"text":"Yep.","start":4049.1748,"end":4049.6748,"sentiment":"neutral","sentiment_score":0.19477997720241547},{"text":"Yep.","start":4050.295,"end":4050.795,"sentiment":"neutral","sentiment_score":0.15205232799053192},{"text":"Yes.","start":4059.27,"end":4059.77,"sentiment":"neutral","sentiment_score":0.3192865252494812},{"text":"Yeah.","start":4061.19,"end":4061.69,"sentiment":"neutral","sentiment_score":0.26819103956222534},{"text":"Oh, I'm glad.","start":4064.71,"end":4065.51,"sentiment":"positive","sentiment_score":0.4008205731709798}],"sentiment":"neutral","sentiment_score":0.30525308421679903,"num_words":7,"start":4049.1748,"end":4065.51},{"sentences":[{"text":"I'm really glad.","start":4065.51,"end":4066.31,"sentiment":"positive","sentiment_score":0.4945164422194163},{"text":"And and and that's it.","start":4066.31,"end":4067.35,"sentiment":"neutral","sentiment_score":0.10168992578983307},{"text":"Like, I'm an employee of Oakview.","start":4067.35,"end":4069.45,"sentiment":"neutral","sentiment_score":0.05582905933260918},{"text":"I don't get paid commission.","start":4069.51,"end":4071.1301,"sentiment":"neutral","sentiment_score":-0.05668442100286484},{"text":"I don't get paid more or less if you and Allan decide to take the advice or not.","start":4071.4749,"end":4075.7148,"sentiment":"neutral","sentiment_score":-0.08340673355592622}],"sentiment":"neutral","sentiment_score":0.014654864934650628,"num_words":37,"start":4065.51,"end":4075.7148},{"sentences":[{"text":"That's not it.","start":4075.7148,"end":4076.595,"sentiment":"neutral","sentiment_score":-0.1497850939631462},{"text":"It's just a flat salary.","start":4076.595,"end":4079.575,"sentiment":"neutral","sentiment_score":-0.010110248252749443},{"text":"So my job is to help educate you guys, do the best for you guys, but I don't get to incentivize in any way, shape, or form whatsoever depending on what you guys decide.","start":4079.9548,"end":4091.25,"sentiment":"neutral","sentiment_score":0.10393659748575267},{"text":"Yeah.","start":4093.31,"end":4093.81,"sentiment":"neutral","sentiment_score":0.07327002286911011},{"text":"Well, thank you so much for your no.","start":4094.75,"end":4097.07,"sentiment":"positive","sentiment_score":0.3924157880246639}],"sentiment":"neutral","sentiment_score":0.12248106114566326,"num_words":51,"start":4075.7148,"end":4097.07},{"sentences":[{"text":"Of course.","start":4097.07,"end":4097.63,"sentiment":"neutral","sentiment_score":0.2886618673801422},{"text":"And that's you know, I'm I'm very much like you.","start":4097.63,"end":4100.67,"sentiment":"positive","sentiment_score":0.36587662994861603},{"text":"I'm very I think we're quite similar.","start":4100.67,"end":4103.045,"sentiment":"positive","sentiment_score":0.4299906577382769},{"text":"And at the end of the day, trust is a massive thing.","start":4103.425,"end":4106.545,"sentiment":"positive","sentiment_score":0.4269573887189229},{"text":"Transparency is a massive thing.","start":4106.545,"end":4107.985,"sentiment":"positive","sentiment_score":0.4095140933990479}],"sentiment":"positive","sentiment_score":0.40047454916768604,"num_words":36,"start":4097.07,"end":4107.985},{"sentences":[{"text":"Communication is a massive thing.","start":4107.985,"end":4109.605,"sentiment":"positive","sentiment_score":0.42279828190803526},{"text":"So and it's money.","start":4110.8647,"end":4112.245,"sentiment":"positive","sentiment_score":0.3960425555706024},{"text":"You know, you wanna have that true.","start":4112.385,"end":4114.11,"sentiment":"positive","sentiment_score":0.39101188097681316},{"text":"Wanna have transparency.","start":4114.19,"end":4115.25,"sentiment":"positive","sentiment_score":0.4007115066051483},{"text":"You wanna have communication.","start":4115.3896,"end":4116.61,"sentiment":"positive","sentiment_score":0.47064853459596634}],"sentiment":"positive","sentiment_score":0.4139118894286778,"num_words":23,"start":4107.985,"end":4116.61},{"sentences":[{"text":"You wanna have the trust.","start":4116.75,"end":4118.05,"sentiment":"positive","sentiment_score":0.5906189322471619},{"text":"So I'm glad that you feel that way.","start":4118.83,"end":4120.77,"sentiment":"positive","sentiment_score":0.8285930156707764},{"text":"That makes me really happy as well.","start":4120.83,"end":4122.69,"sentiment":"positive","sentiment_score":0.8258645023618426},{"text":"So I will let you go, get on with you today, Quinn, and I will call both of you next Wednesday at 08:30 to kind of continue everything, the rest with the advice strategy for you.","start":4122.75,"end":4135.665,"sentiment":"positive","sentiment_score":0.3998598274257448},{"text":"Yeah.","start":4138.663,"end":4139.143,"sentiment":"positive","sentiment_score":0.47128403186798096}],"sentiment":"positive","sentiment_score":0.5303355810935038,"num_words":57,"start":4116.75,"end":4139.143},{"sentences":[{"text":"You too, and enjoy your birthday, and we'll speak next Wednesday.","start":4139.143,"end":4142.123,"sentiment":"positive","sentiment_score":0.4605130499059504},{"text":"No worries.","start":4143.783,"end":4144.423,"sentiment":"neutral","sentiment_score":0.15321539342403412},{"text":"Speak soon.","start":4144.423,"end":4145.143,"sentiment":"neutral","sentiment_score":0.14495937526226044},{"text":"Bye.","start":4145.143,"end":4145.643,"sentiment":"neutral","sentiment_score":-0.08100567758083344}],"sentiment":"positive","sentiment_score":0.3488117130473256,"num_words":16,"start":4139.143,"end":4145.643}]}}]},{"alternatives":[{"transcript":"Hello. Quinn speaking. Oh, Alan? Hello? Yep. Quinn speaking. Good. Thanks. I'm just grabbing Alan. Hello? Good. Thanks for asking. It just started. Yeah. Yeah. Mhmm. Yep. Yep. Perfect. Mhmm. Yep. Yep. Mhmm. Mhmm. Yep. My name is Quinn Ho. Date of birth, twenty six zero six nineteen eighty nine. Address, Number 1 Longbourn Avenue, Notting Hill. Alan Ooi. Well, Alan Ethan Ooi. What was the name? 11/01/1988, and same address. Oh, yeah. Alan actually decided to organize a trip away. So we're heading to Ballarat with the cat. You have Oh, yeah. Oh my goodness. That's great. Yeah. Yes. Okay. Yep. Okay. Yep. I couldn't just load it here. I'm keeping up. I've got it open on my phone. So Nope. Yep. Yep. Yep. Mhmm. Yep. Mhmm. Mhmm. Mhmm. Yep. Mhmm. Yep. Yeah. I think I got this. Well, when yeah. Basically. Okay. Mhmm. Yeah. Mhmm. Yep. Okay. Yep. Yep. Yep. Yep. Mhmm. Yep. Yep. Mhmm. Sure. Mhmm. Mhmm. Yeah. It looks alright. I don't think we're I don't think we will be doing the spousal contributions for the supervisor. But, yeah, as you said, we can just take it or leave as much or as little as the advice as we want. Yeah. Oh, okay. Okay. Uh-huh. Gotcha. Yeah. Yeah. Oh, okay. Okay. No. That makes sense. I was under assumption it was splitting. Sorry. Yep. Yep. Okay. Yep. Yeah. Mhmm. Yep. Mhmm. Yep. Yep. Yep. Mhmm. Mhmm. Yep. Mhmm. Yep. Yep. Mhmm. Okay. Okay. Yep. Mhmm. Yep. Mhmm. Mhmm. Yep. Mhmm. Mhmm. Yep. Mhmm. Okay. Yep. Mhmm. Mhmm. Mhmm. Yep. Yeah. Mhmm. Which sorry, Veronica. Yeah. Which which line number is is sort of affected by by those things that you you said? Is it the admin fees, investment fees? Is it all admin fees? That's all. Yeah. Yep. Yep. Can I just ask so in the table on page 18 with the balance between current OSU brand hub being there's, like, a $55,000 difference in the balance? It's, like, some money lost on rollover. Right. Okay. Yep. Yep. Mhmm. Mhmm. Yep. And then Verizon fee is an ongoing fee. Right? Like, that's that's just your yearly the amount that we that's taken out of our super to pay to pay you. Right? Okay. Right. Mhmm. Yep. Yep. That's that's the 5,000 that's not okay. Yep. Oh, the difference. What page is that? Sorry? So this is page 18. Okay. Yeah. So there's so with the the in the lump sum comparison, because there's a lot of different fees in here, which are the hub twenty four and which are infused fees? I think it's just advising fees. Okay. Yep. Mhmm. Right. Yep. Mhmm. Yep. Yep. Okay. Cool. Okay. Yeah. It is. Yeah. No. I have not. Yep. Mhmm. Okay. Mhmm. Yep. Okay. Mhmm. Yep. Yep. Mhmm. Yep. Yep. Okay. Mhmm. Okay. Yep. Mhmm. Mhmm. Mhmm. Yep. I mean, as you said, like, my question would have been, you said we will explain later. So that's fine. I think it's just yeah. Mhmm. Mhmm. Yep. Mhmm. Yep. Mhmm. Mhmm. Okay. Yep. Mhmm. Yep. Yep. Okay. Mhmm. Okay. Yep. Mhmm. Mhmm. Mhmm. Yep. Okay. No. Again. Mhmm. Yep. Mhmm. Okay. Mhmm. Mhmm. Mhmm. Yep. Okay. Mhmm. Mhmm. Mhmm. Okay. Mhmm. Mhmm. Okay. Mhmm. Mhmm. Okay. Yep. Yep. Mhmm. Mhmm. Yep. Mhmm. Yep. Mhmm. Mhmm. Mhmm. Mhmm. Yep. Mhmm. Mhmm. So I have a few questions if that's alright. So the portfolio that you've you've listed out here with the Hub twenty four, is this one that's bespoke that's being picked by Oakview, or is this like a okay. Alright. So Hub 20 four gives you guys the the the opportunity to flexibility. Okay. And then how often like, how how many different portfolios do you or if you manage with Hub twenty four? Okay. Mhmm. Okay. Okay. Okay. Mhmm. Okay. Okay. Okay. Okay. Yep. So when you change it, like, let's say, I'm sure what's happening is that on the yearly review, you change things. When things change, is it, like, selling some things and then acquiring other things? Is it, like, all going forward yeah. Okay. Okay. Yep. Okay. Okay. Because that's a I mean, that's a different question I had about to ask later about with all of these, there is also, obviously, the the tax implications, the transaction speed. Will it like, that can be if only that so the other question I had was so the makeup of this so I think so firstly, like, what if you how if you manage it, which which we just discussed. The the I I had initial that I was thinking about. Oh, that's a with everything that's currently happening, there is a lot of exposure in this portfolio to The US market. And not that I'm saying it's wrong. I don't have the same level of research you have. And you putting 30% implies that your research in place that The US is still quite a stable and quite a strong market to stay in. So, like, that's more of a I'm inviting comments on that just to reassure that, like, that's my assumption, and that assumption is what is what you guys have determined with yeah. Well, I just caught it in my head because you can elaborate on this further. The only thing I had in my head was when I was looking at this was okay. So you know how you said, like, Hub twenty four and Aware Super and Australian Union, all these companies are very similar. Like, I I'm aware that in Australia, super regulation companies have have to operate under, like, a certain thing to kind of, like, prevent losing of money of clients. And, like, some of that is also related to, like, being underwritten by something. But I don't like, I don't know if you can just give, like, a a short, like, oh, yeah. Hub twenty four does the same thing. Because, obviously, Aware has, like, one giant fund, whereas Hub twenty four looks more like like, yeah, investments like investments, like your your standard, like, ETF investments. And so then how, like, does it have, like, I assume it does have the same underwritten thing and has to comply to avoid, like yeah. Mhmm. Mhmm. Okay. Mhmm. Okay. Mhmm. Mhmm. Mhmm. Mhmm. Mhmm. Mhmm. Yep. Okay. So doing it this way also gives us the the transparency to see exactly what's happening. Yep. Yep. Okay. Mhmm. Mhmm. Yeah. So when when we invest individually, we get given, like, a check number. Right? As in, like, a I see. Okay. So so when it's in super, does that mean that our super has like, our super for investment purposes has a different, like, hidden number or something like that. Like, is its own entity? And so how does Yeah. Right. Okay. So, essentially, Hub twenty four have, like, a giant pool of money of all the Oakview. It is it it's not Hub twenty four that has the money. Oh, they're the They're manage they're managing the Superfund. Right? Isn't like, actually, a more general question is well, sorry, Veronica. Just a more general question. Like, where is the money for our Superfund account actually held? Like, who who who holds that? Top 20 four, actually. Okay. Oh, okay. Yeah. Mhmm. Mhmm. Yeah. Okay. As soon as I get yeah. Okay. Yeah. And and I guess at, you know, at the end of the day, if how '24 goes on, though, or something like that, like, what happens to our money? Like, it's all backed by what's it all backed by? Mhmm. Yeah. Right. But all this is and all of this is is, like, regulated by by the government. Right? Yeah. So just like any other. Yeah. And and the same thing applies to any super fund. Right? Like, any super fund might go under or whatever, and they're all backed by the government regulation, and other super funds can apply also. Yeah. Okay. Mhmm. So yeah. No. But yeah. Right. Yep. Mhmm. Yep. Yep. Yep. Yep. Okay. Mhmm. Sounds good. Okay. Yeah. Mhmm. Yeah. Yeah. No. It does. It's just more like I mean, in terms of the, like, the the what you just went through earlier about the the different diversifications and the original spine and spoke kind of like model, that looks, in terms of that, that looks fine to me, which is more of a kind of like, hey. There is 35% in The US. Obviously, there's a lot of stuff happening in The US at the moment. It doesn't mean that the their economy is on the verge of collapse or anything like that, but it's just something, like, to factor in, which I'm sure you would have. Yeah. Mhmm. Yep. Mhmm. Yeah. Mhmm. Okay. Yep. Mhmm. Okay. Mhmm. Mhmm. Yep. That makes sense. Mhmm. Yep. So then when when you change the position, like, there will like, every, you know, every time you make a movement in terms of ETFs, like, acquiring and moving, there's always transaction fees involved. Like, how does that happen? Yeah. How does that happen? Okay. Okay. Mhmm. Mhmm. Yep. Yep. Yep. Mhmm. Yep. Okay. Okay. Okay. Yep. Okay. Yep. Yep. And so how does Alan know that you've done the thing that you said you've done? Like, the new Yes. Like, I have access to my Hub 24 account, and I see constant messages from Oakfield saying that they've made services in in that account. Yeah. So yeah. Sorry if these questions come off as, like, questioning the trust or anything. I got it. Yeah. So Yeah. I do have to go to work at some point, and I feel like we're not gonna get through the rest of the document in five minutes. Should Sorry. Should we reschedule something? Is that okay? Yes. Mhmm. Mhmm. What days did you say you worked next week? What day is going? Yeah. Yep. That sounds good. Yeah. Yep. Yep. Yep. No. No. That's okay. Yep. Yeah. Yeah. Yeah. Mhmm. Yep. Yep. Yeah. Thank you. Thank you so much for being so patient with us. Really appreciate it. Yeah. It's just I'm just like oh, Alan's head off to work. That's fine. Okay. Bye, Alan. It's just I'm just like I don't wanna just blindly trust things when that situation no. And I I don't want to because, like yeah. And it and I know it may come off as like, oh, you know, how can I trust you? But I think, like yeah. Yeah. Mhmm. Mhmm. Yeah. I mean, I don't wanna I don't want us to end up in one of those documentaries in the future where it's like, these people had really, really good returns, and they just gave over all their money, and then now they're, like, screwed over for retirement. So this is just, like, the use of that, like, all the dots connect that, like because usually, if things sound too good to be true, there's usually something suspicious going on. Yeah. That's pretty much. Mhmm. Okay. Yeah. Okay. Mhmm. Oh, yeah. Absolutely. And I I don't mind, like, the rotations and things like that and checking the documents and stuff because I do have the attitude of, like, I'll check everything before I sign it. Yeah. Yeah. Yeah. And then I think also the other thing that I'm also constantly thinking of, just so that you understand, is, like, so even though after this conversation, like, there's trust established, but there's also, like like, how do we ongoingly make sure not make sure. Like, I don't wanna micromanage you, but, like, just make sure that, like, you're still acting a best interest because, obviously, companies can be led with different people and, like, things can go wrong. So it's just about that also ongoing making sure that, like, the quality that we have now is still ongoing in the future. And how do we how do we essentially, I feel like if a company is transparent and has nothing to hide, like, I don't need to say the full story thing. Like, how do we make sure that, like, we're being reassured that, you know, our view itself is being managed well, that yeah. Because, like, I guess one of the fundamental things is, like, businesses that are managed well and managed well with, like, good management and stuff is, like, will continue to perform well in the future. So, like, I don't want to be like, oh, I never saw it coming kind of thing. You know? Okay. Mhmm. Okay. Okay. Mhmm. Mhmm. Mhmm. Mhmm. Yep. Okay. Yep. Yeah. I can. Mhmm. Mhmm. Mhmm. Yeah. So the, like, the ongoing fee is because you're actively always doing work to do the assessment and things like that. You just consolidate into, like, a one yearly fee, but, essentially, it covers your, like, entire year of the work, the consultation time, the moving of things, the transaction, and things like that. Mhmm. Like, not transaction fees, but the, like, the ad the the actual, like, nitty gritty process of moving things around. Yep. Okay. Mhmm. Mhmm. Mhmm. Mhmm. Mhmm. Yeah. And then you also mentioned so I think in on page 18, you have, like, the total cost percentage. Is that the like, you guys earn a percentage for how the profile the portfolio performs as well? Okay. Okay. Mhmm. Mhmm. Mhmm. Mhmm. Mhmm. That's the adviser service fee. Mhmm. Mhmm. Yep. Okay. So you get paid one fee, but the way that it's calculated is is a percentage based on the balance of the super. So the yep. So the balance that like, that's the how you get the 2,463 number on that table there. Okay. Mhmm. Yep. That makes sense. Mhmm. Mhmm. Yeah. So it's like an average cost, like, kind of thing. Yeah. I think that's kinda that that all makes sense. Yes. That does. Mhmm. Yep. Mhmm. Mhmm. Yeah. I really, really appreciate this the the candid conversation, Veronica, and also, like, for sharing your knowledge. Like, obviously, I know it's within your duties responsibility to do so, but also the way in which you give it, which is from a well, I I feel like there is a genuine want to, like, educate people on what you do and what is happening and things like that. So I really do appreciate that. Yep. Mhmm. Mhmm. Mhmm. Okay. Yep. Mhmm. Okay. Thank you for being transparent. Mhmm. Yeah. Yep. Perfect. Yep. Thank you, Veronica. I'll I hope you have a lovely day. Yeah. Thank you. Alright. 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Quinn speaking. Oh, Alan? Hello? Yep.\n\nQuinn speaking. Good. Thanks. I'm just grabbing Alan. Hello?\n\nGood. Thanks for asking. It just started. Yeah. Yeah.\n\nMhmm. Yep. Yep. Perfect. Mhmm.\n\nYep. Yep. Mhmm. Mhmm. Yep.\n\nMy name is Quinn Ho. Date of birth, twenty six zero six nineteen eighty nine. Address, Number 1 Longbourn Avenue, Notting Hill. Alan Ooi. Well, Alan Ethan Ooi.\n\nWhat was the name? 11/01/1988, and same address. Oh, yeah. Alan actually decided to organize a trip away. So we're heading to Ballarat with the cat.\n\nYou have Oh, yeah. Oh my goodness. That's great. Yeah. Yes.\n\nOkay. Yep. Okay. Yep. I couldn't just load it here.\n\nI'm keeping up. I've got it open on my phone. So Nope. Yep. Yep.\n\nYep. Mhmm. Yep. Mhmm. Mhmm.\n\nMhmm. Yep. Mhmm. Yep. Yeah.\n\nI think I got this. Well, when yeah. Basically. Okay. Mhmm.\n\nYeah. Mhmm. Yep. Okay. Yep.\n\nYep. Yep. Yep. Mhmm. Yep.\n\nYep. Mhmm. Sure. Mhmm. Mhmm.\n\nYeah. It looks alright. I don't think we're I don't think we will be doing the spousal contributions for the supervisor. But, yeah, as you said, we can just take it or leave as much or as little as the advice as we want. Yeah.\n\nOh, okay. Okay. Uh-huh. Gotcha. Yeah.\n\nYeah. Oh, okay. Okay. No. That makes sense.\n\nI was under assumption it was splitting. Sorry. Yep. Yep. Okay.\n\nYep. Yeah. Mhmm. Yep. Mhmm.\n\nYep. Yep. Yep. Mhmm. Mhmm.\n\nYep. Mhmm. Yep. Yep. Mhmm.\n\nOkay. Okay. Yep. Mhmm. Yep.\n\nMhmm. Mhmm. Yep. Mhmm. Mhmm.\n\nYep. Mhmm. Okay. Yep. Mhmm.\n\nMhmm. Mhmm. Yep. Yeah. Mhmm.\n\nWhich sorry, Veronica. Yeah. Which which line number is is sort of affected by by those things that you you said? Is it the admin fees, investment fees? Is it all admin fees?\n\nThat's all. Yeah. Yep. Yep. Can I just ask so in the table on page 18 with the balance between current OSU brand hub being there's, like, a $55,000 difference in the balance?\n\nIt's, like, some money lost on rollover. Right. Okay. Yep. Yep.\n\nMhmm. Mhmm. Yep. And then Verizon fee is an ongoing fee. Right?\n\nLike, that's that's just your yearly the amount that we that's taken out of our super to pay to pay you. Right? Okay. Right. Mhmm.\n\nYep. Yep. That's that's the 5,000 that's not okay. Yep. Oh, the difference.\n\nWhat page is that? Sorry? So this is page 18. Okay. Yeah.\n\nSo there's so with the the in the lump sum comparison, because there's a lot of different fees in here, which are the hub twenty four and which are infused fees? I think it's just advising fees. Okay. Yep. Mhmm.\n\nRight. Yep. Mhmm. Yep. Yep.\n\nOkay. Cool. Okay. Yeah. It is.\n\nYeah. No. I have not. Yep. Mhmm.\n\nOkay. Mhmm. Yep. Okay. Mhmm.\n\nYep. Yep. Mhmm. Yep. Yep.\n\nOkay. Mhmm. Okay. Yep. Mhmm.\n\nMhmm. Mhmm. Yep. I mean, as you said, like, my question would have been, you said we will explain later. So that's fine.\n\nI think it's just yeah. Mhmm. Mhmm. Yep. Mhmm.\n\nYep. Mhmm. Mhmm. Okay. Yep.\n\nMhmm. Yep. Yep. Okay. Mhmm.\n\nOkay. Yep. Mhmm. Mhmm. Mhmm.\n\nYep. Okay. No. Again. Mhmm.\n\nYep. Mhmm. Okay. Mhmm. Mhmm.\n\nMhmm. Yep. Okay. Mhmm. Mhmm.\n\nMhmm. Okay. Mhmm. Mhmm. Okay.\n\nMhmm. Mhmm. Okay. Yep. Yep.\n\nMhmm. Mhmm. Yep. Mhmm. Yep.\n\nMhmm. Mhmm. Mhmm. Mhmm. Yep.\n\nMhmm. Mhmm. So I have a few questions if that's alright. So the portfolio that you've you've listed out here with the Hub twenty four, is this one that's bespoke that's being picked by Oakview, or is this like a okay. Alright.\n\nSo Hub 20 four gives you guys the the the opportunity to flexibility. Okay. And then how often like, how how many different portfolios do you or if you manage with Hub twenty four? Okay. Mhmm.\n\nOkay. Okay. Okay. Mhmm. Okay.\n\nOkay. Okay. Okay. Yep. So when you change it, like, let's say, I'm sure what's happening is that on the yearly review, you change things.\n\nWhen things change, is it, like, selling some things and then acquiring other things? Is it, like, all going forward yeah. Okay. Okay. Yep.\n\nOkay. Okay. Because that's a I mean, that's a different question I had about to ask later about with all of these, there is also, obviously, the the tax implications, the transaction speed. Will it like, that can be if only that so the other question I had was so the makeup of this so I think so firstly, like, what if you how if you manage it, which which we just discussed. The the I I had initial that I was thinking about.\n\nOh, that's a with everything that's currently happening, there is a lot of exposure in this portfolio to The US market. And not that I'm saying it's wrong. I don't have the same level of research you have. And you putting 30% implies that your research in place that The US is still quite a stable and quite a strong market to stay in. So, like, that's more of a I'm inviting comments on that just to reassure that, like, that's my assumption, and that assumption is what is what you guys have determined with yeah.\n\nWell, I just caught it in my head because you can elaborate on this further. The only thing I had in my head was when I was looking at this was okay. So you know how you said, like, Hub twenty four and Aware Super and Australian Union, all these companies are very similar. Like, I I'm aware that in Australia, super regulation companies have have to operate under, like, a certain thing to kind of, like, prevent losing of money of clients. And, like, some of that is also related to, like, being underwritten by something.\n\nBut I don't like, I don't know if you can just give, like, a a short, like, oh, yeah. Hub twenty four does the same thing. Because, obviously, Aware has, like, one giant fund, whereas Hub twenty four looks more like like, yeah, investments like investments, like your your standard, like, ETF investments. And so then how, like, does it have, like, I assume it does have the same underwritten thing and has to comply to avoid, like yeah. Mhmm.\n\nMhmm. Okay. Mhmm. Okay. Mhmm.\n\nMhmm. Mhmm. Mhmm. Mhmm. Mhmm.\n\nYep. Okay. So doing it this way also gives us the the transparency to see exactly what's happening. Yep. Yep.\n\nOkay. Mhmm. Mhmm. Yeah. So when when we invest individually, we get given, like, a check number.\n\nRight? As in, like, a I see. Okay. So so when it's in super, does that mean that our super has like, our super for investment purposes has a different, like, hidden number or something like that. Like, is its own entity?\n\nAnd so how does Yeah. Right. Okay. So, essentially, Hub twenty four have, like, a giant pool of money of all the Oakview. It is it it's not Hub twenty four that has the money.\n\nOh, they're the They're manage they're managing the Superfund. Right? Isn't like, actually, a more general question is well, sorry, Veronica. Just a more general question. Like, where is the money for our Superfund account actually held?\n\nLike, who who who holds that? Top 20 four, actually. Okay. Oh, okay. Yeah.\n\nMhmm. Mhmm. Yeah. Okay. As soon as I get yeah.\n\nOkay. Yeah. And and I guess at, you know, at the end of the day, if how '24 goes on, though, or something like that, like, what happens to our money? Like, it's all backed by what's it all backed by? Mhmm.\n\nYeah. Right. But all this is and all of this is is, like, regulated by by the government. Right? Yeah.\n\nSo just like any other. Yeah. And and the same thing applies to any super fund. Right? Like, any super fund might go under or whatever, and they're all backed by the government regulation, and other super funds can apply also.\n\nYeah. Okay. Mhmm. So yeah. No.\n\nBut yeah. Right. Yep. Mhmm. Yep.\n\nYep. Yep. Yep. Okay. Mhmm.\n\nSounds good. Okay. Yeah. Mhmm. Yeah.\n\nYeah. No. It does. It's just more like I mean, in terms of the, like, the the what you just went through earlier about the the different diversifications and the original spine and spoke kind of like model, that looks, in terms of that, that looks fine to me, which is more of a kind of like, hey. There is 35% in The US.\n\nObviously, there's a lot of stuff happening in The US at the moment. It doesn't mean that the their economy is on the verge of collapse or anything like that, but it's just something, like, to factor in, which I'm sure you would have. Yeah. Mhmm. Yep.\n\nMhmm. Yeah. Mhmm. Okay. Yep.\n\nMhmm. Okay. Mhmm. Mhmm. Yep.\n\nThat makes sense. Mhmm. Yep. So then when when you change the position, like, there will like, every, you know, every time you make a movement in terms of ETFs, like, acquiring and moving, there's always transaction fees involved. Like, how does that happen?\n\nYeah. How does that happen? Okay. Okay. Mhmm.\n\nMhmm. Yep. Yep. Yep. Mhmm.\n\nYep. Okay. Okay. Okay. Yep.\n\nOkay. Yep. Yep. And so how does Alan know that you've done the thing that you said you've done? Like, the new Yes.\n\nLike, I have access to my Hub 24 account, and I see constant messages from Oakfield saying that they've made services in in that account. Yeah. So yeah. Sorry if these questions come off as, like, questioning the trust or anything. I got it.\n\nYeah. So Yeah. I do have to go to work at some point, and I feel like we're not gonna get through the rest of the document in five minutes. Should Sorry. Should we reschedule something?\n\nIs that okay? Yes. Mhmm. Mhmm. What days did you say you worked next week?\n\nWhat day is going? Yeah. Yep. That sounds good. Yeah.\n\nYep. Yep. Yep. No. No.\n\nThat's okay. Yep. Yeah. Yeah. Yeah.\n\nMhmm. Yep. Yep. Yeah. Thank you.\n\nThank you so much for being so patient with us. Really appreciate it. Yeah. It's just I'm just like oh, Alan's head off to work. That's fine.\n\nOkay. Bye, Alan. It's just I'm just like I don't wanna just blindly trust things when that situation no. And I I don't want to because, like yeah. And it and I know it may come off as like, oh, you know, how can I trust you?\n\nBut I think, like yeah. Yeah. Mhmm. Mhmm. Yeah.\n\nI mean, I don't wanna I don't want us to end up in one of those documentaries in the future where it's like, these people had really, really good returns, and they just gave over all their money, and then now they're, like, screwed over for retirement. So this is just, like, the use of that, like, all the dots connect that, like because usually, if things sound too good to be true, there's usually something suspicious going on. Yeah. That's pretty much. Mhmm.\n\nOkay. Yeah. Okay. Mhmm. Oh, yeah.\n\nAbsolutely. And I I don't mind, like, the rotations and things like that and checking the documents and stuff because I do have the attitude of, like, I'll check everything before I sign it. Yeah. Yeah. Yeah.\n\nAnd then I think also the other thing that I'm also constantly thinking of, just so that you understand, is, like, so even though after this conversation, like, there's trust established, but there's also, like like, how do we ongoingly make sure not make sure. Like, I don't wanna micromanage you, but, like, just make sure that, like, you're still acting a best interest because, obviously, companies can be led with different people and, like, things can go wrong. So it's just about that also ongoing making sure that, like, the quality that we have now is still ongoing in the future. And how do we how do we essentially, I feel like if a company is transparent and has nothing to hide, like, I don't need to say the full story thing. Like, how do we make sure that, like, we're being reassured that, you know, our view itself is being managed well, that yeah.\n\nBecause, like, I guess one of the fundamental things is, like, businesses that are managed well and managed well with, like, good management and stuff is, like, will continue to perform well in the future. So, like, I don't want to be like, oh, I never saw it coming kind of thing. You know? Okay. Mhmm.\n\nOkay. Okay. Mhmm. Mhmm. Mhmm.\n\nMhmm. Yep. Okay. Yep. Yeah.\n\nI can. Mhmm. Mhmm. Mhmm. Yeah.\n\nSo the, like, the ongoing fee is because you're actively always doing work to do the assessment and things like that. You just consolidate into, like, a one yearly fee, but, essentially, it covers your, like, entire year of the work, the consultation time, the moving of things, the transaction, and things like that. Mhmm. Like, not transaction fees, but the, like, the ad the the actual, like, nitty gritty process of moving things around. Yep.\n\nOkay. Mhmm. Mhmm. Mhmm. Mhmm.\n\nMhmm. Yeah. And then you also mentioned so I think in on page 18, you have, like, the total cost percentage. Is that the like, you guys earn a percentage for how the profile the portfolio performs as well? Okay.\n\nOkay. Mhmm. Mhmm. Mhmm. Mhmm.\n\nMhmm. That's the adviser service fee. Mhmm. Mhmm. Yep.\n\nOkay. So you get paid one fee, but the way that it's calculated is is a percentage based on the balance of the super. So the yep. So the balance that like, that's the how you get the 2,463 number on that table there. Okay.\n\nMhmm. Yep. That makes sense. Mhmm. Mhmm.\n\nYeah. So it's like an average cost, like, kind of thing. Yeah. I think that's kinda that that all makes sense. Yes.\n\nThat does. Mhmm. Yep. Mhmm. Mhmm.\n\nYeah. I really, really appreciate this the the candid conversation, Veronica, and also, like, for sharing your knowledge. Like, obviously, I know it's within your duties responsibility to do so, but also the way in which you give it, which is from a well, I I feel like there is a genuine want to, like, educate people on what you do and what is happening and things like that. So I really do appreciate that. Yep.\n\nMhmm. Mhmm. Mhmm. Okay. Yep.\n\nMhmm. Okay. Thank you for being transparent. Mhmm. Yeah.\n\nYep. Perfect. Yep. Thank you, Veronica. I'll I hope you have a lovely day.\n\nYeah. Thank you. Alright. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.39999998,"end":0.71999997,"sentiment":"neutral","sentiment_score":0.017900560051202774},{"text":"Quinn speaking.","start":0.71999997,"end":1.54,"sentiment":"neutral","sentiment_score":0.0187357934191823},{"text":"Oh, Alan?","start":5.7599998,"end":7.54,"sentiment":"neutral","sentiment_score":0.008491502609103918},{"text":"Hello?","start":9.76,"end":10.26,"sentiment":"neutral","sentiment_score":0.009936001151800156},{"text":"Yep.","start":12.96,"end":13.36,"sentiment":"neutral","sentiment_score":0.02555842325091362}],"sentiment":"neutral","sentiment_score":0.015407082358641284,"num_words":7,"start":0.39999998,"end":13.36},{"sentences":[{"text":"Quinn speaking.","start":13.36,"end":14.099999,"sentiment":"neutral","sentiment_score":0.02233018074184656},{"text":"Good.","start":17.985,"end":18.225,"sentiment":"positive","sentiment_score":0.371471107006073},{"text":"Thanks.","start":18.225,"end":18.625,"sentiment":"positive","sentiment_score":0.44015538692474365},{"text":"I'm just grabbing Alan.","start":18.625,"end":19.825,"sentiment":"neutral","sentiment_score":0.16531194746494293},{"text":"Hello?","start":19.825,"end":20.325,"sentiment":"neutral","sentiment_score":0.07362893223762512}],"sentiment":"neutral","sentiment_score":0.1767959530568785,"num_words":9,"start":13.36,"end":20.325},{"sentences":[{"text":"Good.","start":22.865,"end":23.265,"sentiment":"positive","sentiment_score":0.4185468852519989},{"text":"Thanks for asking.","start":23.265,"end":24.085,"sentiment":"positive","sentiment_score":0.553217351436615},{"text":"It just started.","start":29.48,"end":30.44,"sentiment":"neutral","sentiment_score":0.08144226670265198},{"text":"Yeah.","start":30.44,"end":30.68,"sentiment":"neutral","sentiment_score":0.10436070710420609},{"text":"Yeah.","start":30.68,"end":31.18,"sentiment":"neutral","sentiment_score":0.12602630257606506}],"sentiment":"neutral","sentiment_score":0.2836569721500079,"num_words":9,"start":22.865,"end":31.18},{"sentences":[{"text":"Mhmm.","start":32.92,"end":33.42,"sentiment":"neutral","sentiment_score":0.15921679139137268},{"text":"Yep.","start":42.855,"end":42.935,"sentiment":"neutral","sentiment_score":0.08217097818851471},{"text":"Yep.","start":42.935,"end":43.435,"sentiment":"neutral","sentiment_score":0.11199358105659483},{"text":"Perfect.","start":43.575,"end":44.075,"sentiment":"neutral","sentiment_score":0.28165605664253235},{"text":"Mhmm.","start":44.455,"end":44.955,"sentiment":"neutral","sentiment_score":0.08798421174287796}],"sentiment":"neutral","sentiment_score":0.14460432380437852,"num_words":5,"start":32.92,"end":44.955},{"sentences":[{"text":"Yep.","start":54.695,"end":55.195,"sentiment":"neutral","sentiment_score":0.04557649418711662},{"text":"Yep.","start":55.335,"end":55.735,"sentiment":"neutral","sentiment_score":0.04703265428543091},{"text":"Mhmm.","start":55.735,"end":56.235,"sentiment":"neutral","sentiment_score":0.07147075235843658},{"text":"Mhmm.","start":68.9,"end":68.979996,"sentiment":"neutral","sentiment_score":0.01318854745477438},{"text":"Yep.","start":68.979996,"end":69.479996,"sentiment":"neutral","sentiment_score":0.018112845718860623}],"sentiment":"neutral","sentiment_score":0.03907625880092382,"num_words":5,"start":54.695,"end":69.479996},{"sentences":[{"text":"My name is Quinn Ho.","start":69.86,"end":71.4,"sentiment":"neutral","sentiment_score":0.024776330217719078},{"text":"Date of birth, twenty six zero six nineteen eighty nine.","start":71.705,"end":74.685,"sentiment":"neutral","sentiment_score":0.02778999265283346},{"text":"Address, Number 1 Longbourn Avenue, Notting Hill.","start":74.985,"end":77.885,"sentiment":"neutral","sentiment_score":0.0327738385115351},{"text":"Alan Ooi.","start":78.985,"end":80.045,"sentiment":"neutral","sentiment_score":0.025868838652968407},{"text":"Well, Alan Ethan Ooi.","start":80.265,"end":81.545,"sentiment":"neutral","sentiment_score":0.02261686697602272}],"sentiment":"neutral","sentiment_score":0.027621556871703694,"num_words":28,"start":69.86,"end":81.545},{"sentences":[{"text":"What was the name?","start":81.545,"end":82.365,"sentiment":"neutral","sentiment_score":0.01896777655929327},{"text":"11/01/1988, and same address.","start":82.745,"end":85.82,"sentiment":"neutral","sentiment_score":0.020216271746903658},{"text":"Oh, yeah.","start":92.439995,"end":93.34,"sentiment":"neutral","sentiment_score":0.03364281915128231},{"text":"Alan actually decided to organize a trip away.","start":93.88,"end":97.159996,"sentiment":"neutral","sentiment_score":0.04744222923181951},{"text":"So we're heading to Ballarat with the cat.","start":97.159996,"end":99.659996,"sentiment":"neutral","sentiment_score":0.06787312449887395}],"sentiment":"neutral","sentiment_score":0.04409787159126539,"num_words":26,"start":81.545,"end":99.659996},{"sentences":[{"text":"You have Oh, yeah.","start":99.72,"end":102.295,"sentiment":"neutral","sentiment_score":0.1403447687625885},{"text":"Oh my goodness.","start":106.275,"end":107.255005,"sentiment":"neutral","sentiment_score":0.16500935951868692},{"text":"That's great.","start":107.635,"end":108.455,"sentiment":"neutral","sentiment_score":0.2532273679971695},{"text":"Yeah.","start":111.315,"end":111.815,"sentiment":"neutral","sentiment_score":0.028384778648614883},{"text":"Yes.","start":117.409996,"end":117.909996,"sentiment":"neutral","sentiment_score":0.06210300326347351}],"sentiment":"neutral","sentiment_score":0.15030451559207655,"num_words":11,"start":99.72,"end":117.909996},{"sentences":[{"text":"Okay.","start":127.814995,"end":128.315,"sentiment":"neutral","sentiment_score":0.02875583991408348},{"text":"Yep.","start":128.455,"end":128.955,"sentiment":"neutral","sentiment_score":0.010176479816436768},{"text":"Okay.","start":134.135,"end":134.635,"sentiment":"neutral","sentiment_score":0.13619616627693176},{"text":"Yep.","start":135.575,"end":136.075,"sentiment":"neutral","sentiment_score":0.2221871912479401},{"text":"I couldn't just load it 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I have a few questions if that's alright.","start":2029.915,"end":2032.655,"sentiment":"neutral","sentiment_score":0.0927349179983139},{"text":"So the portfolio that you've you've listed out here with the Hub twenty four, is this one that's bespoke that's being picked by Oakview, or is this like a okay.","start":2033.755,"end":2044.48,"sentiment":"neutral","sentiment_score":0.11890893590946992},{"text":"Alright.","start":2044.48,"end":2044.96,"sentiment":"neutral","sentiment_score":0.21833932399749756}],"sentiment":"neutral","sentiment_score":0.11938186885700339,"num_words":42,"start":2013.99,"end":2044.96},{"sentences":[{"text":"So Hub 20 four gives you guys the the the opportunity to flexibility.","start":2044.96,"end":2050.1,"sentiment":"positive","sentiment_score":0.3468033717228816},{"text":"Okay.","start":2050.32,"end":2050.82,"sentiment":"neutral","sentiment_score":0.07641254365444183},{"text":"And then how often like, how how many different portfolios do you or if you manage with Hub twenty 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when you change it, like, let's say, I'm sure what's happening is that on the yearly review, you change things.","start":2238.84,"end":2246.2349,"sentiment":"neutral","sentiment_score":0.1602469217919168}],"sentiment":"neutral","sentiment_score":0.149444145783782,"num_words":25,"start":2177.1,"end":2246.2349},{"sentences":[{"text":"When things change, is it, like, selling some things and then acquiring other things?","start":2246.4548,"end":2251.1948,"sentiment":"neutral","sentiment_score":0.08943743684462138},{"text":"Is it, like, all going forward yeah.","start":2251.9749,"end":2256.6702,"sentiment":"neutral","sentiment_score":0.23489053547382355},{"text":"Okay.","start":2256.6702,"end":2257.1702,"sentiment":"neutral","sentiment_score":0.1477546989917755},{"text":"Okay.","start":2268.805,"end":2269.305,"sentiment":"neutral","sentiment_score":0.035890839993953705},{"text":"Yep.","start":2274.805,"end":2275.305,"sentiment":"neutral","sentiment_score":0.025030894204974174}],"sentiment":"neutral","sentiment_score":0.12937642905550698,"num_words":24,"start":2246.4548,"end":2275.305},{"sentences":[{"text":"Okay.","start":2322.5,"end":2323.0,"sentiment":"neutral","sentiment_score":0.15939921140670776},{"text":"Okay.","start":2351.49,"end":2351.99,"sentiment":"neutral","sentiment_score":0.04877316951751709},{"text":"Because that's a I mean, that's a different question I had about to ask later about with all of these, there is also, obviously, the the tax implications, the transaction speed.","start":2352.13,"end":2363.245,"sentiment":"neutral","sentiment_score":-0.03046819633774219},{"text":"Will it like, that can be if only that so the other question I had was so the makeup of this so I think so firstly, like, what if you how if you manage it, which which we just discussed.","start":2363.245,"end":2379.51,"sentiment":"neutral","sentiment_score":0.02037091413512826},{"text":"The the I I had initial that I was thinking about.","start":2381.01,"end":2385.8052,"sentiment":"neutral","sentiment_score":0.0005234322425994006}],"sentiment":"neutral","sentiment_score":0.0010030073158088185,"num_words":84,"start":2322.5,"end":2385.8052},{"sentences":[{"text":"Oh, that's a with everything that's currently happening, there is a lot of exposure in this portfolio to The US market.","start":2385.8052,"end":2393.2651,"sentiment":"neutral","sentiment_score":-0.06929908527083517},{"text":"And not that I'm saying it's wrong.","start":2393.8052,"end":2395.965,"sentiment":"neutral","sentiment_score":-0.1700405159166881},{"text":"I don't have the same level of research you have.","start":2395.965,"end":2398.125,"sentiment":"neutral","sentiment_score":-0.22355472147464753},{"text":"And you putting 30% implies that your research in place that The US is still quite a stable and quite a strong market to stay in.","start":2398.125,"end":2407.43,"sentiment":"neutral","sentiment_score":0.03329955227673054},{"text":"So, like, that's more of a I'm inviting comments on that just to reassure that, like, that's my assumption, and that assumption is what is what you guys have determined with yeah.","start":2408.85,"end":2421.7449,"sentiment":"neutral","sentiment_score":0.20524659985676408}],"sentiment":"neutral","sentiment_score":0.02658924935167306,"num_words":96,"start":2385.8052,"end":2421.7449},{"sentences":[{"text":"Well, I just caught it in my head because you can elaborate on this further.","start":2424.33,"end":2427.7102,"sentiment":"neutral","sentiment_score":0.0986494168639183},{"text":"The only thing I had in my head was when I was looking at this was okay.","start":2428.01,"end":2434.49,"sentiment":"neutral","sentiment_score":0.0021259100998149197},{"text":"So you know how you said, like, Hub twenty four and Aware Super and Australian Union, all these companies are very similar.","start":2434.49,"end":2442.905,"sentiment":"neutral","sentiment_score":0.02961729560047388},{"text":"Like, I I'm aware that in Australia, super regulation companies have have to operate under, like, a certain thing to kind of, like, prevent losing of money of clients.","start":2443.445,"end":2455.51,"sentiment":"neutral","sentiment_score":-0.14532743564582076},{"text":"And, like, some of that is also related to, like, being underwritten by something.","start":2456.45,"end":2463.265,"sentiment":"neutral","sentiment_score":-0.19322374995265687}],"sentiment":"neutral","sentiment_score":-0.048991401084535514,"num_words":97,"start":2424.33,"end":2463.265},{"sentences":[{"text":"But I don't like, I don't know if you can just give, like, a a short, like, oh, yeah.","start":2463.805,"end":2470.125,"sentiment":"neutral","sentiment_score":-0.24816518159289108},{"text":"Hub twenty four does the same thing.","start":2470.125,"end":2471.4048,"sentiment":"neutral","sentiment_score":-0.0019174766327653611},{"text":"Because, obviously, Aware has, like, one giant fund, whereas Hub twenty four looks more like like, yeah, investments like investments, like your your standard, like, ETF investments.","start":2471.4048,"end":2486.47,"sentiment":"neutral","sentiment_score":0.027581902703753224},{"text":"And so then how, like, does it have, like, I assume it does have the same underwritten thing and has to comply to avoid, like 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doing it this way also gives us the the transparency to see exactly what's happening.","start":2609.9348,"end":2615.1548,"sentiment":"neutral","sentiment_score":0.26961392257362604},{"text":"Yep.","start":2615.775,"end":2616.03,"sentiment":"neutral","sentiment_score":0.1617565155029297},{"text":"Yep.","start":2628.83,"end":2629.31,"sentiment":"neutral","sentiment_score":0.0767453983426094}],"sentiment":"neutral","sentiment_score":0.2423436351120472,"num_words":20,"start":2608.095,"end":2629.31},{"sentences":[{"text":"Okay.","start":2629.31,"end":2629.81,"sentiment":"neutral","sentiment_score":0.09889514744281767},{"text":"Mhmm.","start":2629.965,"end":2630.465,"sentiment":"neutral","sentiment_score":0.07832746207714081},{"text":"Mhmm.","start":2638.605,"end":2639.105,"sentiment":"neutral","sentiment_score":0.07489433884620667},{"text":"Yeah.","start":2640.0452,"end":2640.5452,"sentiment":"neutral","sentiment_score":0.05726119130849838},{"text":"So when when we invest individually, we get given, like, a check number.","start":2641.165,"end":2645.98,"sentiment":"neutral","sentiment_score":0.02733439665574294}],"sentiment":"neutral","sentiment_score":0.039101488011724805,"num_words":17,"start":2629.31,"end":2645.98},{"sentences":[{"text":"Right?","start":2646.44,"end":2646.94,"sentiment":"neutral","sentiment_score":0.004067372530698776},{"text":"As in, like, a I see.","start":2647.4,"end":2652.0398,"sentiment":"neutral","sentiment_score":-0.0203202444439133},{"text":"Okay.","start":2652.0398,"end":2652.52,"sentiment":"neutral","sentiment_score":0.021417444571852684},{"text":"So so when it's in super, does that mean that our super has like, our super for investment purposes has a different, like, hidden number or something like that.","start":2652.52,"end":2666.165,"sentiment":"neutral","sentiment_score":0.015905992802360963},{"text":"Like, is its own entity?","start":2666.165,"end":2667.4648,"sentiment":"neutral","sentiment_score":0.01401256062090397}],"sentiment":"neutral","sentiment_score":0.01035476059076332,"num_words":42,"start":2646.44,"end":2667.4648},{"sentences":[{"text":"And so how does Yeah.","start":2667.6848,"end":2679.74,"sentiment":"neutral","sentiment_score":0.009188088215887546},{"text":"Right.","start":2704.79,"end":2705.03,"sentiment":"neutral","sentiment_score":0.034204594790935516},{"text":"Okay.","start":2705.03,"end":2705.43,"sentiment":"neutral","sentiment_score":0.02414441853761673},{"text":"So, essentially, Hub twenty four have, like, a giant pool of money of all the Oakview.","start":2705.43,"end":2713.05,"sentiment":"neutral","sentiment_score":0.041119000350590795},{"text":"It is it it's not Hub twenty four that has the 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government.","start":2796.55,"end":2802.305,"sentiment":"neutral","sentiment_score":-0.12268251681234688},{"text":"Right?","start":2802.305,"end":2802.805,"sentiment":"neutral","sentiment_score":-0.019595619291067123},{"text":"Yeah.","start":2803.2651,"end":2803.745,"sentiment":"neutral","sentiment_score":0.03750227764248848}],"sentiment":"neutral","sentiment_score":-0.09681022204458714,"num_words":20,"start":2779.395,"end":2803.745},{"sentences":[{"text":"So just like any other.","start":2803.745,"end":2805.605,"sentiment":"neutral","sentiment_score":0.05512054711580276},{"text":"Yeah.","start":2805.745,"end":2806.245,"sentiment":"neutral","sentiment_score":0.0913202464580536},{"text":"And and the same thing applies to any super fund.","start":2806.625,"end":2809.345,"sentiment":"neutral","sentiment_score":0.06713198572397232},{"text":"Right?","start":2809.345,"end":2809.585,"sentiment":"neutral","sentiment_score":0.0402679368853569},{"text":"Like, any super fund might go under or whatever, and they're all backed by the government regulation, and other super funds can apply also.","start":2809.585,"end":2816.46,"sentiment":"neutral","sentiment_score":0.053108070977032185}],"sentiment":"neutral","sentiment_score":0.057392792185632195,"num_words":41,"start":2803.745,"end":2816.46},{"sentences":[{"text":"Yeah.","start":2816.46,"end":2816.6199,"sentiment":"neutral","sentiment_score":0.07429994642734528},{"text":"Okay.","start":2816.6199,"end":2817.1199,"sentiment":"neutral","sentiment_score":0.07931940257549286},{"text":"Mhmm.","start":2817.3398,"end":2817.8398,"sentiment":"neutral","sentiment_score":0.02196897566318512},{"text":"So yeah.","start":2818.8599,"end":2820.0,"sentiment":"neutral","sentiment_score":-0.040234390646219254},{"text":"No.","start":2828.935,"end":2829.335,"sentiment":"neutral","sentiment_score":-0.20989644527435303}],"sentiment":"neutral","sentiment_score":-0.019129483650128048,"num_words":6,"start":2816.46,"end":2829.335},{"sentences":[{"text":"But 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just more like I mean, in terms of the, like, the the what you just went through earlier about the the different diversifications and the original spine and spoke kind of like model, that looks, in terms of that, that looks fine to me, which is more of a kind of like, hey.","start":2927.085,"end":2947.485,"sentiment":"neutral","sentiment_score":0.07962390062985597},{"text":"There is 35% in The US.","start":2947.485,"end":2949.985,"sentiment":"neutral","sentiment_score":0.021966552672286827}],"sentiment":"neutral","sentiment_score":0.07220930102630518,"num_words":64,"start":2924.845,"end":2949.985},{"sentences":[{"text":"Obviously, there's a lot of stuff happening in The US at the moment.","start":2950.0452,"end":2953.0251,"sentiment":"neutral","sentiment_score":-0.04091854991677862},{"text":"It doesn't mean that the their economy is on the verge of collapse or anything like that, but it's just something, like, to factor in, which I'm sure you would 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so how does Alan know that you've done the thing that you said you've done?","start":3223.425,"end":3228.305,"sentiment":"neutral","sentiment_score":0.16221948340535164},{"text":"Like, the new Yes.","start":3228.305,"end":3229.44,"sentiment":"neutral","sentiment_score":0.13763627037405968}],"sentiment":"neutral","sentiment_score":0.14517295878866446,"num_words":23,"start":3196.345,"end":3229.44},{"sentences":[{"text":"Like, I have access to my Hub 24 account, and I see constant messages from Oakfield saying that they've made services in in that account.","start":3229.5999,"end":3238.24,"sentiment":"neutral","sentiment_score":0.12363884389400483},{"text":"Yeah.","start":3238.24,"end":3238.56,"sentiment":"neutral","sentiment_score":0.05023451894521713},{"text":"So yeah.","start":3238.56,"end":3239.04,"sentiment":"neutral","sentiment_score":0.037667956203222275},{"text":"Sorry if these questions come off as, like, questioning the trust or 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going?","start":3288.06,"end":3290.8,"sentiment":"neutral","sentiment_score":0.029216555878520012},{"text":"Yeah.","start":3299.82,"end":3300.32,"sentiment":"neutral","sentiment_score":0.08758430182933807},{"text":"Yep.","start":3300.46,"end":3300.7,"sentiment":"neutral","sentiment_score":0.1891317367553711},{"text":"That sounds 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you.","start":3370.0999,"end":3370.92,"sentiment":"positive","sentiment_score":0.7034670412540436}],"sentiment":"positive","sentiment_score":0.3443119153380394,"num_words":6,"start":3338.145,"end":3370.92},{"sentences":[{"text":"Thank you so much for being so patient with us.","start":3372.66,"end":3375.16,"sentiment":"positive","sentiment_score":0.7013575494289398},{"text":"Really appreciate it.","start":3376.26,"end":3377.48,"sentiment":"neutral","sentiment_score":0.16269398232301077},{"text":"Yeah.","start":3383.835,"end":3384.335,"sentiment":"neutral","sentiment_score":0.03426706790924072},{"text":"It's just I'm just like oh, Alan's head off to work.","start":3385.995,"end":3388.555,"sentiment":"neutral","sentiment_score":0.030927841414020142},{"text":"That's fine.","start":3388.555,"end":3389.0352,"sentiment":"neutral","sentiment_score":0.13288156688213348}],"sentiment":"neutral","sentiment_score":0.3015516258698578,"num_words":27,"start":3372.66,"end":3389.0352},{"sentences":[{"text":"Okay.","start":3389.0352,"end":3389.355,"sentiment":"neutral","sentiment_score":0.06321347504854202},{"text":"Bye, Alan.","start":3389.355,"end":3390.0151,"sentiment":"neutral","sentiment_score":0.048378366976976395},{"text":"It's just I'm just like I don't wanna just blindly trust things when that situation no.","start":3390.075,"end":3398.42,"sentiment":"neutral","sentiment_score":-0.14895630907267332},{"text":"And I I don't want to because, like yeah.","start":3398.42,"end":3402.02,"sentiment":"neutral","sentiment_score":-0.2131980342997445},{"text":"And it and I know it may come off as like, oh, you know, how can I trust you?","start":3402.02,"end":3405.3,"sentiment":"neutral","sentiment_score":-0.09063238532919633}],"sentiment":"neutral","sentiment_score":-0.12476868864069594,"num_words":47,"start":3389.0352,"end":3405.3},{"sentences":[{"text":"But I think, like yeah.","start":3405.3,"end":3407.96,"sentiment":"neutral","sentiment_score":-0.03955375403165817},{"text":"Yeah.","start":3416.285,"end":3416.785,"sentiment":"neutral","sentiment_score":0.23045164346694944},{"text":"Mhmm.","start":3420.125,"end":3420.625,"sentiment":"neutral","sentiment_score":0.05586637556552887},{"text":"Mhmm.","start":3421.89,"end":3422.39,"sentiment":"neutral","sentiment_score":0.03185155987739563},{"text":"Yeah.","start":3422.69,"end":3423.19,"sentiment":"neutral","sentiment_score":-0.04810720682144165}],"sentiment":"neutral","sentiment_score":0.008032622436682381,"num_words":9,"start":3405.3,"end":3423.19},{"sentences":[{"text":"I mean, I don't wanna I don't want us to end up in one of those documentaries in the future where it's like, these people had really, really good returns, and they just gave over all their money, and then now they're, like, screwed over for retirement.","start":3423.25,"end":3434.63,"sentiment":"neutral","sentiment_score":-0.07624458157001658},{"text":"So this is just, like, the use of that, like, all the dots connect that, like because usually, if things sound too good to be true, there's usually something suspicious going on.","start":3434.77,"end":3448.2551,"sentiment":"neutral","sentiment_score":-0.07923392008524388},{"text":"Yeah.","start":3448.38,"end":3448.88,"sentiment":"neutral","sentiment_score":-0.018875114619731903},{"text":"That's pretty much.","start":3450.2998,"end":3451.3599,"sentiment":"neutral","sentiment_score":0.15415151417255402},{"text":"Mhmm.","start":3462.495,"end":3462.995,"sentiment":"neutral","sentiment_score":0.013273869641125202}],"sentiment":"neutral","sentiment_score":-0.06740627951166105,"num_words":84,"start":3423.25,"end":3462.995},{"sentences":[{"text":"Okay.","start":3468.9077,"end":3469.4077,"sentiment":"neutral","sentiment_score":0.031754180788993835},{"text":"Yeah.","start":3488.52,"end":3489.02,"sentiment":"neutral","sentiment_score":0.001826876774430275},{"text":"Okay.","start":3491.695,"end":3492.195,"sentiment":"neutral","sentiment_score":-0.1348256915807724},{"text":"Mhmm.","start":3495.055,"end":3495.555,"sentiment":"neutral","sentiment_score":-0.02544552832841873},{"text":"Oh, yeah.","start":3498.095,"end":3498.655,"sentiment":"neutral","sentiment_score":0.11736907064914703}],"sentiment":"neutral","sentiment_score":0.01800799649208784,"num_words":6,"start":3468.9077,"end":3498.655},{"sentences":[{"text":"Absolutely.","start":3498.655,"end":3499.155,"sentiment":"neutral","sentiment_score":0.18999342620372772},{"text":"And I I don't mind, like, the rotations and things like that and checking the documents and stuff because I do have the attitude of, like, I'll check everything before I sign it.","start":3499.455,"end":3506.94,"sentiment":"neutral","sentiment_score":0.12353673927260167},{"text":"Yeah.","start":3508.76,"end":3509.26,"sentiment":"neutral","sentiment_score":0.050939105451107025},{"text":"Yeah.","start":3511.48,"end":3511.98,"sentiment":"positive","sentiment_score":0.4378446042537689},{"text":"Yeah.","start":3512.68,"end":3513.18,"sentiment":"neutral","sentiment_score":0.1867840886116028}],"sentiment":"neutral","sentiment_score":0.13357496271665031,"num_words":37,"start":3498.655,"end":3513.18},{"sentences":[{"text":"And then I think also the other thing that I'm also constantly thinking of, just so that you understand, is, like, so even though after this conversation, like, there's trust established, but there's also, like like, how do we ongoingly make sure not make sure.","start":3514.2,"end":3530.295,"sentiment":"neutral","sentiment_score":0.05695075953586234},{"text":"Like, I don't wanna micromanage you, but, like, just make sure that, like, you're still acting a best interest because, obviously, companies can be led with different people and, like, things can go wrong.","start":3530.295,"end":3543.31,"sentiment":"neutral","sentiment_score":0.08275099701302893},{"text":"So it's just about that also ongoing making sure that, like, the quality that we have now is still ongoing in the future.","start":3543.31,"end":3552.595,"sentiment":"neutral","sentiment_score":0.21628728217404822},{"text":"And how do we how do we essentially, I feel like if a company is transparent and has nothing to hide, like, I don't need to say the full story thing.","start":3553.055,"end":3560.8948,"sentiment":"neutral","sentiment_score":0.13151701035038119},{"text":"Like, how do we make sure that, like, we're being reassured that, you know, our view itself is being managed well, that yeah.","start":3560.8948,"end":3570.84,"sentiment":"positive","sentiment_score":0.48384573990884033}],"sentiment":"neutral","sentiment_score":0.16382310837387848,"num_words":156,"start":3514.2,"end":3570.84},{"sentences":[{"text":"Because, like, I guess one of the fundamental things is, like, businesses that are managed well and managed well with, like, good management and stuff is, like, will continue to perform well in the future.","start":3570.9001,"end":3585.245,"sentiment":"positive","sentiment_score":0.39083360518727983},{"text":"So, like, I don't want to be like, oh, I never saw it coming kind of thing.","start":3585.385,"end":3590.11,"sentiment":"neutral","sentiment_score":-0.10495941603884977},{"text":"You know?","start":3590.11,"end":3590.77,"sentiment":"neutral","sentiment_score":-0.009228021837770937},{"text":"Okay.","start":3602.215,"end":3602.715,"sentiment":"neutral","sentiment_score":0.11387869715690611},{"text":"Mhmm.","start":3615.15,"end":3615.65,"sentiment":"neutral","sentiment_score":-0.013407335616648195}],"sentiment":"neutral","sentiment_score":0.21387288262069756,"num_words":56,"start":3570.9001,"end":3615.65},{"sentences":[{"text":"Okay.","start":3621.5176,"end":3622.0176,"sentiment":"neutral","sentiment_score":0.0968533605337143},{"text":"Okay.","start":3628.525,"end":3629.025,"sentiment":"neutral","sentiment_score":0.07718414068222046},{"text":"Mhmm.","start":3641.165,"end":3641.665,"sentiment":"neutral","sentiment_score":-0.20276528596878052},{"text":"Mhmm.","start":3645.9102,"end":3646.4102,"sentiment":"neutral","sentiment_score":-0.1740209013223648},{"text":"Mhmm.","start":3661.835,"end":3662.335,"sentiment":"neutral","sentiment_score":0.06425540149211884}],"sentiment":"neutral","sentiment_score":-0.027698656916618346,"num_words":5,"start":3621.5176,"end":3662.335},{"sentences":[{"text":"Mhmm.","start":3677.13,"end":3677.29,"sentiment":"neutral","sentiment_score":0.14515496790409088},{"text":"Yep.","start":3677.29,"end":3677.79,"sentiment":"neutral","sentiment_score":0.24550139904022217},{"text":"Okay.","start":3681.05,"end":3681.45,"sentiment":"neutral","sentiment_score":0.13682115077972412},{"text":"Yep.","start":3681.45,"end":3681.95,"sentiment":"neutral","sentiment_score":0.038039907813072205},{"text":"Yeah.","start":3685.325,"end":3685.825,"sentiment":"neutral","sentiment_score":0.16961339116096497}],"sentiment":"neutral","sentiment_score":0.14702616333961488,"num_words":5,"start":3677.13,"end":3685.825},{"sentences":[{"text":"I 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work, the consultation time, the moving of things, the transaction, and things like that.","start":3746.615,"end":3759.09,"sentiment":"neutral","sentiment_score":0.07248327519857523},{"text":"Mhmm.","start":3759.09,"end":3759.49,"sentiment":"neutral","sentiment_score":0.017695749178528786},{"text":"Like, not transaction fees, but the, like, the ad the the actual, like, nitty gritty process of moving things around.","start":3759.49,"end":3765.75,"sentiment":"neutral","sentiment_score":0.04879565166775137},{"text":"Yep.","start":3766.21,"end":3766.69,"sentiment":"neutral","sentiment_score":0.1831557005643845}],"sentiment":"neutral","sentiment_score":0.0784010526687397,"num_words":76,"start":3739.3599,"end":3766.69},{"sentences":[{"text":"Okay.","start":3766.69,"end":3767.19,"sentiment":"neutral","sentiment_score":0.23103421926498413},{"text":"Mhmm.","start":3782.315,"end":3782.815,"sentiment":"neutral","sentiment_score":0.191134512424469},{"text":"Mhmm.","start":3809.875,"end":3810.375,"sentiment":"neutral","sentiment_score":0.3090813457965851},{"text":"Mhmm.","start":3824.63,"end":3825.13,"sentiment":"neutral","sentiment_score":0.2867981791496277},{"text":"Mhmm.","start":3850.09,"end":3850.59,"sentiment":"neutral","sentiment_score":-0.02934151142835617}],"sentiment":"neutral","sentiment_score":0.19774134904146196,"num_words":5,"start":3766.69,"end":3850.59},{"sentences":[{"text":"Mhmm.","start":3870.24,"end":3870.74,"sentiment":"neutral","sentiment_score":0.2178972959518433},{"text":"Yeah.","start":3873.52,"end":3874.02,"sentiment":"positive","sentiment_score":0.33753424882888794},{"text":"And then you also mentioned so I think in on page 18, you have, like, the total cost percentage.","start":3875.76,"end":3881.86,"sentiment":"neutral","sentiment_score":0.2478508196379009},{"text":"Is that the like, you guys earn a percentage for how the profile the portfolio performs as well?","start":3882.24,"end":3890.865,"sentiment":"neutral","sentiment_score":0.251017061372598},{"text":"Okay.","start":3893.645,"end":3894.145,"sentiment":"neutral","sentiment_score":0.06141429394483566}],"sentiment":"neutral","sentiment_score":0.2461079629138112,"num_words":40,"start":3870.24,"end":3894.145},{"sentences":[{"text":"Okay.","start":3897.885,"end":3898.385,"sentiment":"neutral","sentiment_score":0.02844995819032192},{"text":"Mhmm.","start":3907.22,"end":3907.72,"sentiment":"neutral","sentiment_score":0.01910108327865601},{"text":"Mhmm.","start":3911.14,"end":3911.64,"sentiment":"neutral","sentiment_score":-0.0003367774188518524},{"text":"Mhmm.","start":3932.0999,"end":3932.5999,"sentiment":"neutral","sentiment_score":0.015799539163708687},{"text":"Mhmm.","start":3936.98,"end":3937.48,"sentiment":"neutral","sentiment_score":0.004867898300290108}],"sentiment":"neutral","sentiment_score":0.013576340302824974,"num_words":5,"start":3897.885,"end":3937.48},{"sentences":[{"text":"Mhmm.","start":3937.6199,"end":3938.1199,"sentiment":"neutral","sentiment_score":0.008272694423794746},{"text":"That's the adviser service fee.","start":3938.18,"end":3940.3599,"sentiment":"neutral","sentiment_score":0.004827255383133888},{"text":"Mhmm.","start":3941.965,"end":3942.445,"sentiment":"neutral","sentiment_score":0.039646562188863754},{"text":"Mhmm.","start":3942.445,"end":3942.945,"sentiment":"neutral","sentiment_score":0.04098571091890335},{"text":"Yep.","start":3943.085,"end":3943.585,"sentiment":"neutral","sentiment_score":0.07160311937332153}],"sentiment":"neutral","sentiment_score":0.02051604042450587,"num_words":9,"start":3937.6199,"end":3943.585},{"sentences":[{"text":"Okay.","start":3943.725,"end":3944.225,"sentiment":"neutral","sentiment_score":0.06388136744499207},{"text":"So you get paid one fee, but the way that it's calculated is is a percentage based on the balance of the super.","start":3944.285,"end":3950.305,"sentiment":"neutral","sentiment_score":0.07768800206806349},{"text":"So the yep.","start":3950.685,"end":3952.68,"sentiment":"neutral","sentiment_score":0.05394828940431277},{"text":"So the balance that like, that's the how you get the 2,463 number on that table there.","start":3952.68,"end":3958.54,"sentiment":"neutral","sentiment_score":0.07418582084424355},{"text":"Okay.","start":3958.5999,"end":3959.0798,"sentiment":"neutral","sentiment_score":0.06729267537593842}],"sentiment":"neutral","sentiment_score":0.07424448695447709,"num_words":45,"start":3943.725,"end":3959.0798},{"sentences":[{"text":"Mhmm.","start":3959.0798,"end":3959.5798,"sentiment":"neutral","sentiment_score":0.06539268046617508},{"text":"Yep.","start":3959.8,"end":3960.3,"sentiment":"neutral","sentiment_score":0.11086224764585496},{"text":"That makes sense.","start":3979.2952,"end":3980.2751,"sentiment":"neutral","sentiment_score":0.018668225035071373},{"text":"Mhmm.","start":3989.27,"end":3989.77,"sentiment":"neutral","sentiment_score":0.02874857373535633},{"text":"Mhmm.","start":3990.3901,"end":3990.47,"sentiment":"neutral","sentiment_score":0.016177255660295486}],"sentiment":"neutral","sentiment_score":0.039597918944699426,"num_words":7,"start":3959.0798,"end":3990.47},{"sentences":[{"text":"Yeah.","start":3990.47,"end":3990.87,"sentiment":"neutral","sentiment_score":0.018450628966093063},{"text":"So it's like an average cost, like, kind of thing.","start":3990.87,"end":3994.49,"sentiment":"neutral","sentiment_score":0.024766506254673006},{"text":"Yeah.","start":3996.185,"end":3996.505,"sentiment":"neutral","sentiment_score":0.10494908690452576},{"text":"I think that's kinda that that all makes sense.","start":3996.505,"end":3999.145,"sentiment":"neutral","sentiment_score":0.16072286665439606},{"text":"Yes.","start":3999.145,"end":3999.645,"sentiment":"neutral","sentiment_score":0.11536020040512084}],"sentiment":"neutral","sentiment_score":0.08786048994145611,"num_words":22,"start":3990.47,"end":3999.645},{"sentences":[{"text":"That does.","start":3999.705,"end":4000.445,"sentiment":"neutral","sentiment_score":0.13596820458769798},{"text":"Mhmm.","start":4010.665,"end":4011.165,"sentiment":"neutral","sentiment_score":0.26706212759017944},{"text":"Yep.","start":4017.54,"end":4018.04,"sentiment":"neutral","sentiment_score":0.10527503490447998},{"text":"Mhmm.","start":4024.42,"end":4024.92,"sentiment":"neutral","sentiment_score":0.04087581485509872},{"text":"Mhmm.","start":4034.615,"end":4034.855,"sentiment":"neutral","sentiment_score":0.02866555191576481}],"sentiment":"neutral","sentiment_score":0.11896915640681982,"num_words":6,"start":3999.705,"end":4034.855},{"sentences":[{"text":"Yeah.","start":4034.855,"end":4035.355,"sentiment":"neutral","sentiment_score":0.180689200758934},{"text":"I really, really appreciate this the the candid conversation, Veronica, and also, like, for sharing your knowledge.","start":4035.895,"end":4044.6,"sentiment":"positive","sentiment_score":0.394293792107526},{"text":"Like, obviously, I know it's within your duties responsibility to do so, but also the way in which you give it, which is from a well, I I feel like there is a genuine want to, like, educate people on what you do and what is happening and things like that.","start":4044.6,"end":4062.405,"sentiment":"neutral","sentiment_score":0.3001849940594505},{"text":"So I really do appreciate that.","start":4062.405,"end":4064.265,"sentiment":"positive","sentiment_score":0.6028336683909098},{"text":"Yep.","start":4071.8,"end":4072.3,"sentiment":"neutral","sentiment_score":-0.01106816902756691}],"sentiment":"positive","sentiment_score":0.3394612132228519,"num_words":76,"start":4034.855,"end":4072.3},{"sentences":[{"text":"Mhmm.","start":4076.92,"end":4077.42,"sentiment":"neutral","sentiment_score":-0.027280600741505623},{"text":"Mhmm.","start":4089.385,"end":4089.885,"sentiment":"neutral","sentiment_score":-0.031571920961141586},{"text":"Mhmm.","start":4091.705,"end":4091.945,"sentiment":"neutral","sentiment_score":0.03311026096343994},{"text":"Okay.","start":4091.945,"end":4092.445,"sentiment":"neutral","sentiment_score":0.07118798792362213},{"text":"Yep.","start":4092.585,"end":4093.085,"sentiment":"neutral","sentiment_score":0.07753568887710571}],"sentiment":"neutral","sentiment_score":0.024596283212304115,"num_words":5,"start":4076.92,"end":4093.085},{"sentences":[{"text":"Mhmm.","start":4093.47,"end":4093.97,"sentiment":"neutral","sentiment_score":0.07300542294979095},{"text":"Okay.","start":4094.1099,"end":4094.51,"sentiment":"neutral","sentiment_score":0.14334869384765625},{"text":"Thank you for being transparent.","start":4094.51,"end":4095.65,"sentiment":"positive","sentiment_score":0.5907788395881652},{"text":"Mhmm.","start":4120.555,"end":4121.055,"sentiment":"positive","sentiment_score":0.6380081176757812},{"text":"Yeah.","start":4123.115,"end":4123.615,"sentiment":"positive","sentiment_score":0.4642449617385864}],"sentiment":"positive","sentiment_score":0.47472237712807125,"num_words":9,"start":4093.47,"end":4123.615},{"sentences":[{"text":"Yep.","start":4127.17,"end":4127.67,"sentiment":"neutral","sentiment_score":0.28834933042526245},{"text":"Perfect.","start":4133.5703,"end":4134.0703,"sentiment":"positive","sentiment_score":0.4024595022201538},{"text":"Yep.","start":4135.17,"end":4135.67,"sentiment":"positive","sentiment_score":0.3699986934661865},{"text":"Thank you, Veronica.","start":4135.81,"end":4136.5303,"sentiment":"positive","sentiment_score":0.7710410952568054},{"text":"I'll I hope you have a lovely day.","start":4136.5303,"end":4138.23,"sentiment":"positive","sentiment_score":0.8194745779037476}],"sentiment":"positive","sentiment_score":0.7092662453651428,"num_words":14,"start":4127.17,"end":4138.23},{"sentences":[{"text":"Yeah.","start":4140.635,"end":4140.875,"sentiment":"neutral","sentiment_score":0.289482444524765},{"text":"Thank you.","start":4140.875,"end":4141.695,"sentiment":"positive","sentiment_score":0.38754966855049133},{"text":"Alright.","start":4142.315,"end":4142.815,"sentiment":"neutral","sentiment_score":0.18052779138088224},{"text":"Bye.","start":4142.955,"end":4143.455,"sentiment":"neutral","sentiment_score":0.1909601092338562}],"sentiment":"neutral","sentiment_score":0.28721393644809723,"num_words":5,"start":4140.635,"end":4143.455}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Quinn speaking.\n\nChannel 0: Good morning. Is this Quinn?\n\nChannel 1: Oh, Alan? Hello?\n\nChannel 0: Hello. Is this Quinn speaking?\n\nChannel 1: Yep. Quinn speaking.\n\nChannel 0: This is Veronica from Workview Financial. How are you?\n\nChannel 1: Good. Thanks. I'm just grabbing Alan. Hello?\n\nChannel 0: Hi, Alan. How are you?\n\nChannel 1: Good. Thanks for asking.\n\nChannel 0: That's good. How's your morning been? Been busy, or are you guys kind of just getting started?\n\nChannel 1: It just started. Yeah. Yeah.\n\nChannel 0: Yeah. Perfect.\n\nChannel 1: Mhmm.\n\nChannel 0: Now I obviously had you both booked in to go over your strategy recommendation together. Now is still a good time for both of you?\n\nChannel 1: Yep. Yep. Perfect.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: Mhmm.\n\nChannel 0: Now before I do kind of jump into it, I do need to let you both know that the call is being recorded for quality and coaching purposes, if that's okay. Yeah.\n\nChannel 1: Yep. Yep. Mhmm.\n\nChannel 0: Perfect. And just to confirm I am speaking with the right person, just for security purposes, could I please get you both just to confirm your full name, date of birth, and address, please?\n\nChannel 1: Mhmm. Yep. My name is Quinn Ho. Date of birth, twenty six zero six nineteen eighty nine. Address, Number 1 Longbourn Avenue, Notting Hill.\n\nChannel 0: Yep.\n\nChannel 1: Alan Ooi. Well, Alan Ethan Ooi. What was the name? 11/01/1988, and same address.\n\nChannel 0: Yep. Perfect. And do you have anything planned for your birthday, Quinn, coming up very shortly?\n\nChannel 1: Oh, yeah. Alan actually decided to organize a trip away. So we're heading to Ballarat with the cat. You have Oh,\n\nChannel 0: Oh, lovely.\n\nChannel 1: yeah.\n\nChannel 0: That is so good. It's actually my birthday tomorrow, so we're very close together.\n\nChannel 1: Oh my goodness. That's\n\nChannel 0: Yeah.\n\nChannel 1: great.\n\nChannel 0: It's like everything's happening in June, isn't it?\n\nChannel 1: Yeah.\n\nChannel 0: Now do you guys have access to your emails at the moment?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Now I have sent you both a document. You will get one copy each. It is exactly the same document, though. So\n\nChannel 1: Okay.\n\nChannel 0: if you guys just\n\nChannel 1: Yep.\n\nChannel 0: wanna access it on one phone or computer and look it together, completely up to you guys. But it is\n\nChannel 1: Okay.\n\nChannel 0: the same one. Yep.\n\nChannel 1: Yep.\n\nChannel 0: Now let me know if that came through okay to you guys as well.\n\nChannel 1: I couldn't just load it here. I'm keeping\n\nChannel 0: Perfect.\n\nChannel 1: up. I've got it open on my phone.\n\nChannel 0: Yep.\n\nChannel 1: So\n\nChannel 0: It might take a minute sometimes to load as well because it is quite a lot of documents. A lot of it\n\nChannel 1: Nope.\n\nChannel 0: is just compliance and research. So I won't go through everything because, otherwise, I'll keep you here all day. But I'll go through all the important information, and then I'll let you guys both obviously take some time afterwards and have a read through everything as well.\n\nChannel 1: Yep.\n\nChannel 0: And when you do get access to the emails, it will ask you to click the link where it says sign now, but it will allow you to open up and view everything first before it would prompt you to sign anything. Yep.\n\nChannel 1: Yep.\n\nChannel 0: And when it does load, you should have the first document saying statement of the device on the cover\n\nChannel 1: Yep.\n\nChannel 0: page. Yes. Perfect.\n\nChannel 1: Mhmm.\n\nChannel 0: So you guys can both see that okay?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. So I've put together this strategy for both of you that I believe are best going to achieve your goals and your objectives. But at the end of the day, though, they are just recommendations. It is completely up to you guys if you're not implement all of it, some of it, or none of it at the end of the day.\n\nChannel 1: Mhmm.\n\nChannel 0: Now on the cover page here as well, you will see my details listed. You will see my authorized representative\n\nChannel 1: Mhmm.\n\nChannel 0: number as well, and I am licensed under HP Financial. And this advice here as well has been tailored specifically just for you guys as well.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Yep. Perfect. Now if at any point in time I'm going through anything too quickly or if you have any questions, just interrupt me and let me know. Okay? Yep.\n\nNow if you can scroll on the second page for me, it outlines the best interest duty. Can you see that?\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Yeah. Have either of you heard of this before?\n\nChannel 1: Yeah. I think I got this.\n\nChannel 0: Probably from last time.\n\nChannel 1: Well, when yeah. Basically.\n\nChannel 0: Yeah. Yeah. But, Bitcoin, basically, for your reference, what it means is that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the\n\nChannel 1: Okay.\n\nChannel 0: recommendation. Now if I don't act in your best interest, then I will lose my license. And if I lose my license, I will lose my job, and my husband at home won't be too happy with me. There's a lot in place to protect you guys, essentially.\n\nChannel 1: Mhmm. Yeah.\n\nChannel 0: Now it is also valid for sixty days as well. So you do have some time to have a read every over everything as well and decide what you want to do. If you do want more time, though, just let me know because I'll have to just reconfirm and update everything\n\nChannel 1: Mhmm.\n\nChannel 0: so it's still relevant. Okay? Yep. Now I'll ask you then scroll through the\n\nChannel 1: Yep.\n\nChannel 0: next page. Table of content, pretty self self explanatory. You can see that I are a few things, so I will try my best to make this as quickly as I can for you.\n\nChannel 1: Okay.\n\nChannel 0: Yep. Now on the next page, you should see scope of advice. Can you see that? Yep. Now, basically, what this means is the areas we are looking at in this statement of the device, but it does not mean that there's not other things we can't look at down the track.\n\nSimply today, though, we are looking at both of your superannuation to cross off on those goals. Also, investments within superannuation, so what you are currently invested in versus what I have recommended. Different contribution strategies for both of you as well to make sure we can have everything as tax effective and optimized for both of you. And then I have also just included some information in regards to estate planning as well just to make sure that's all set up correctly for both of you as well. Does that all make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now as you scroll through, you will then see a limited scope. It talks about insurances there for you, Alan. Not making any changes in regards to your insurances.\n\nIt\n\nChannel 1: Yep.\n\nChannel 0: is just included here just so that you can see the impact your insurances has on the super recommendation, essentially.\n\nChannel 1: Yep.\n\nChannel 0: Yep. And then there are not considered. So for you, Quinn, not looking at insurances in this point. You're pretty self insured. But if that ever changes down the track and you want to look at it, just let us know.\n\nSame goes if you guys do wanna revisit any of your personal investments or look at other strategies down the track as well as everything is set\n\nChannel 1: Yep.\n\nChannel 0: up.\n\nChannel 1: Mhmm.\n\nChannel 0: We can definitely have a look at that for you as well. Yep. Now if you can then scroll through page eight for me, you should see a heading where it says limited advice and are advised to you.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. So limited advice essentially just refers back to what I touched on, so scoping in and what we are scoping out. But I do also have to let you know that I'm not a legal practitioner. I can't actually give you any legal advice. Can definitely give you guidance in regards to how to structure your beneficiaries for super and insurances, but I can't actually give you any legal advice.\n\nSo if that is something that you guys ever need, I would just have to refer you to a lawyer.\n\nChannel 1: Mhmm. Sure.\n\nChannel 0: Yep. Now underneath that, you can then see the actual strategies. So you can see that there are a fair few things I have recommended, but I will go through these in details as we go through them. Okay?\n\nChannel 1: Mhmm.\n\nChannel 0: Yep. Now if you can then scroll through. So, basically, the next two pages, it's just some personal information in regards to both of you just that we collected from the search line. If you can just have a quick read over that just to make sure that's all up to date or if I need to make any changes in the back end. Same just goes for the lifestyle assets and liability table as well.\n\nAnd that was obviously at the time we did FactFone. So, obviously, sometimes assets can vary and change a little bit, which is fine.\n\nChannel 1: Mhmm. Yeah. It looks alright.\n\nChannel 0: Yep.\n\nChannel 1: I don't\n\nChannel 0: Perfect.\n\nChannel 1: think we're I don't think we will be doing the spousal contributions for the supervisor. But, yeah, as you said, we can just take it or leave as much or as little as the advice as we want.\n\nChannel 0: 100%. Now I\n\nChannel 1: Yeah.\n\nChannel 0: have recommended a different type of spousal\n\nChannel 1: Oh,\n\nChannel 0: contribution,\n\nChannel 1: okay.\n\nChannel 0: not contribution splitting, which we spoke about last time.\n\nChannel 1: Okay.\n\nChannel 0: But\n\nChannel 1: Uh-huh.\n\nChannel 0: I will explain the difference\n\nChannel 1: Gotcha.\n\nChannel 0: because the contribution splitting just wasn't tax effective for you,\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Alan, but the also contribution was. So I have recommended it.\n\nChannel 1: Oh,\n\nChannel 0: Like\n\nChannel 1: okay.\n\nChannel 0: you said as well, it is a recommendation. You can then decide what parts you want to take or what parts you don't want to take at the end of the day.\n\nChannel 1: Okay. No. That makes\n\nChannel 0: Yeah.\n\nChannel 1: sense. I was\n\nChannel 0: Yeah.\n\nChannel 1: under assumption it was splitting. Sorry.\n\nChannel 0: Yeah. No.\n\nChannel 1: Yep.\n\nChannel 0: That's okay. And it does get quite contribution, it is it is great. There's so many different things you can do, but it also get quite complex. So I will\n\nChannel 1: Yep.\n\nChannel 0: try to go through and I have actually three different contribution strategies for both of you today, so it is a lot. I'll go through it as as best as I can. And then like I said, everything is quite detailed in this document So\n\nChannel 1: Okay.\n\nChannel 0: you\n\nChannel 1: Yep.\n\nChannel 0: guys can then go back later when there's not so much information overload and have a read over everything in detail as well.\n\nChannel 1: Yeah. Mhmm.\n\nChannel 0: Yep. Perfect. Now, essentially, if you can then scroll to page 11, it just shows your current situation. So you can see there, Alan, you have your super with hub twenty four at the moment. You do have\n\nChannel 1: Yep.\n\nChannel 0: some insurances with Tyler attached, which you can see underneath it. You can see your super balance, and then Queen, same for you. You have your super with Aware Super, and you don't have any insurance.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Yep. Now when it comes to page 12, it talks a little bit about your risk profile. Can you see that page?\n\nChannel 1: Yep. Yep. Mhmm.\n\nChannel 0: Yep. Perfect. So when we did go through your risk profile questionnaire, so kind of those type of questions to see how you feel about fluctuations and everything in the market, You both came out very much the same as a high growth investor, and we did agree that a high growth portfolio is going to be the most appropriate for both of you. You both\n\nChannel 1: Mhmm.\n\nChannel 0: have plenty of time until retirement in order to take advantage of growing your superannuation as much as possible, and also for those short term fluctuations to come back around as well. Does\n\nChannel 1: Yep.\n\nChannel 0: that make sense?\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Yep. Perfect. Now if you can then scroll down through page 14, it then starts about the first strategy, which is for you, Quinn, if you can see that.\n\nChannel 1: Yep.\n\nChannel 0: Yep. So what I have recommended for you when it comes to your superannuation is to change your super from Aware Super into Hub twenty four. Now\n\nChannel 1: Mhmm.\n\nChannel 0: you will have the best interest duty statement listed here, which is basically how that one acts in your best interest. As you scroll through, you will also see advantages, disadvantages, risks, and alternatives considered. I usually\n\nChannel 1: Okay.\n\nChannel 0: find the easiest way is if you can scroll down to page 18 for me. It basically summarizes everything in its table to make it a bit easier.\n\nChannel 1: Okay.\n\nChannel 0: So let me know if you can see\n\nChannel 1: Yep.\n\nChannel 0: page 18, and\n\nChannel 1: Mhmm.\n\nChannel 0: then I'll kind of talk on those points. So if\n\nChannel 1: Yep.\n\nChannel 0: we start here, you can see your current situation. You can see your current superannuation balance. You can also see what you are currently paying for in fees. Okay?\n\nChannel 1: Mhmm.\n\nChannel 0: Yep. So, currently, you are paying about 1,779 in fees per year, which is your admin fees, investment fees, and other fees associated with your Aware Super.\n\nChannel 1: Mhmm.\n\nChannel 0: Now you can also see there your your high growth return on your current investment.\n\nChannel 1: Yep.\n\nChannel 0: So over the last five years, the current portfolio that you are invested in in Aware Super has performed at an average rate of return of 7.8%.\n\nChannel 1: Mhmm.\n\nChannel 0: Now if you scroll down one page, you can actually see that forecasted for five and ten years. So you can see the current column\n\nChannel 1: Mhmm.\n\nChannel 0: that's just forecasted for five and ten years for you. Okay? Yep. Now if\n\nChannel 1: Yep.\n\nChannel 0: you scroll back up to then page 18, you can then see what I have recommended. So what I have recommended is hub 24. So when I did make the recommendation, I kind of weighted up what was going to be the best for for you specifically, but then\n\nChannel 1: Mhmm.\n\nChannel 0: also factoring in Alan's situation as well. And\n\nChannel 1: Okay.\n\nChannel 0: after doing that, I did consider, hub twenty four. It is more a sophisticated platform. I'm not sure if you've ever looked at Allan's account before that is all set up or how it works.\n\nChannel 1: Yep.\n\nChannel 0: The good thing with Hub twenty four as well and how that kind of also played into role with Alan's situation is that they offer family linking. So, basically, what that means is that if you have two accounts so if you have, like, a a family with two accounts linked together, you can actually link them together to reduce your admin fee. Because what\n\nChannel 1: Mhmm.\n\nChannel 0: they do is they then calculate on the total balance for both of you when they are charging the admin fee. So overall for both of you, it will make the cost a little bit cheaper, and that also made it a bit more effective than alternatives I considered for you. That was quite similar to hub twenty four in terms of flexibility when it came to investment choices. But\n\nChannel 1: Mhmm.\n\nChannel 0: because of the family link in, it did reduce the total fees a little bit for you for both of you.\n\nChannel 1: Mhmm.\n\nChannel 0: But also, Hub twenty four, they offer something that is called aggregate trading. Basically, what that means is they can place all the investments together with one transaction, which does reduce the transaction fees, capital gains tax when they are selling different investments. So, overall, that does reduce fees. A lot of the other competitors don't offer that. So that kind of\n\nChannel 1: Yep.\n\nChannel 0: further reduces the fees overall. Does that make sense?\n\nChannel 1: Yeah. Mhmm.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: Which\n\nChannel 0: But I said\n\nChannel 1: sorry,\n\nChannel 0: sorry.\n\nChannel 1: Veronica.\n\nChannel 0: Did you have a question? Yeah.\n\nChannel 1: Yeah. Which which line number is is sort of affected by by those things that you you said? Is it the admin fees, investment fees?\n\nChannel 0: The\n\nChannel 1: Is it\n\nChannel 0: admin\n\nChannel 1: all admin\n\nChannel 0: fee. The\n\nChannel 1: fees?\n\nChannel 0: admin\n\nChannel 1: That's\n\nChannel 0: fee.\n\nChannel 1: all. Yeah.\n\nChannel 0: Yep. The admin fee. Because investment fees, they are just in regards to the individual investments. That doesn't really change with having multiple accounts because that's just a percentage of what you have invested in them. The admin fees is, like, usually your your flat fee or a percentage fee on your super balance.\n\nSo\n\nChannel 1: Yep.\n\nChannel 0: as your super balance grows, sometimes that gets more, but that can then be aggregated into the family linking, which you will actually see when I go through your table. You can see the admin fee difference by having the linking. Yeah. Yeah. But it is a very good question.\n\nYeah?\n\nChannel 1: Yep. Can I just ask so in the table on page 18 with\n\nChannel 0: Yes.\n\nChannel 1: the balance between current OSU brand hub being there's, like, a $55,000 difference in\n\nChannel 0: Mhmm.\n\nChannel 1: the balance?\n\nChannel 0: Yes.\n\nChannel 1: It's, like, some money lost on rollover.\n\nChannel 0: Not rollover, but it is the upfront advice fee if you decide to come on board. That's why that has been deducted. Yeah.\n\nChannel 1: Right. Okay.\n\nChannel 0: So,\n\nChannel 1: Yep. Yep.\n\nChannel 0: yeah, so all of these here factors in everything for for you to show you net of everything. So it factors in the upfront fee. You can also see the adviser fee included on the Hub twenty four side, not on your current because you're not paying for anything.\n\nChannel 1: Mhmm.\n\nChannel 0: So this kind of goes back to that best interest studio, making sure that when we are factoring in everything for you, you would still be in a better position. But that is a very good question. It's not the rollover. It is the upfront advice fee.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Yep.\n\nChannel 1: And then Verizon fee is an ongoing fee. Right? Like, that's that's just your yearly the amount that we that's taken out of our super to pay to pay you. Right?\n\nChannel 0: Yes and no. Sorry. The\n\nChannel 1: Okay.\n\nChannel 0: balance difference there for Quinn, that is just a one off fee. That would be the same with when you came on board, and that is just to implement everything. So, basically,\n\nChannel 1: Right.\n\nChannel 0: obviously, everything up until you decide to come on board is completely complimentary. It's completely free. So\n\nChannel 1: Mhmm.\n\nChannel 0: the implementation fee, it basically covers everything through implement your advice, put everything into place, open all your accounts, and doing everything for you. But, obviously, it also pays for then, obviously, my time, research team, and admin team. That\n\nChannel 1: Yep.\n\nChannel 0: is a one off advice fee. So if you decide to come on BoardQueen, you will never have to pay that one, upfront fee ever again. So with superannuation and any products, really, they are continuously ever changing. There's new products and features that are coming out on the market. We\n\nChannel 1: Yep.\n\nChannel 0: are continuously doing research. So if I do research, let's say, in a couple of years and it turns out that there's a new competitor that is more competitive than Hub twenty four for you, and I put all the numbers together that shows you, well, okay, moving to this other Superfund is going to be better for you, You will not have to pay an upfront fee ever again. It is just to come on board.\n\nChannel 1: That's that's the 5,000\n\nChannel 0: The\n\nChannel 1: that's\n\nChannel 0: 4\n\nChannel 1: not\n\nChannel 0: 9. Correct. That that's\n\nChannel 1: okay.\n\nChannel 0: the difference of $4.09 $5.00.\n\nChannel 1: Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Oh, the difference. What page is that? Sorry?\n\nChannel 0: Correct.\n\nChannel 1: So\n\nChannel 0: So\n\nChannel 1: this is\n\nChannel 0: that\n\nChannel 1: page\n\nChannel 0: is still\n\nChannel 1: 18.\n\nChannel 0: paid for 18?\n\nChannel 1: Okay.\n\nChannel 0: Yes.\n\nChannel 1: Yeah. So there's so with the the in the lump sum comparison, because there's a lot of different fees in here, which are the hub twenty four and which are infused fees?\n\nChannel 0: Yes.\n\nChannel 1: I think it's just\n\nChannel 0: Yes. Sorry.\n\nChannel 1: advising\n\nChannel 0: Hub.\n\nChannel 1: fees. Okay.\n\nChannel 0: Correct. That's right, Alan. So the admin fees is associated directly with the platform hub twenty four.\n\nChannel 1: Yep.\n\nChannel 0: Investment fees are paying for your investments. That's through hub twenty four. Other fees is, like, sometimes they have transaction fees, and other hidden fees associated with the account,\n\nChannel 1: Mhmm.\n\nChannel 0: but there's nothing there in Hub twenty four. Now the adviser service fee, is that what you would pay us? So that's what the one Alan touched on earlier, which\n\nChannel 1: Right.\n\nChannel 0: is\n\nChannel 1: Yep.\n\nChannel 0: an ongoing advice fee. That is the only fee that you pay us\n\nChannel 1: Mhmm.\n\nChannel 0: ongoing.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep.\n\nChannel 1: Okay. Cool.\n\nChannel 0: Does that\n\nChannel 1: Okay.\n\nChannel 0: make sense?\n\nChannel 1: Yeah. It is. Yeah.\n\nChannel 0: Yep. Now have you ever heard of Hub twenty four before, Quinn?\n\nChannel 1: No. I have not.\n\nChannel 0: No. No. Essentially, just for your reference, they have been around since about 2007, but they are also directly listed on the Australian Stock Exchange. And they\n\nChannel 1: Yep.\n\nChannel 0: do have it just under a 100 billions of dollars of funds under management. So, essentially, they are a massive conglomerate. They are\n\nChannel 1: Mhmm.\n\nChannel 0: one of the quickest growing superannuation platforms out there. I do use it for my personal superannuation as well. And they do have a lot of those kind of benefits associated with the account. But, essentially, though, it's just another super fund. There's literally hundreds of them out there.\n\nBut also keep in mind that all super funds are pretty much the same thing. The purpose is\n\nChannel 1: Okay.\n\nChannel 0: that they are just the administration services that hold your money until you can access it. So until you turn 60, for example, and stop working, that's the function of it. What really matters and what makes it different is what you can actually invest the money into within the fund itself. So it's not like Aware Super or Hub twenty four or Australian Super, any super funds really that gets those returns and make your money grow, it is the actual investment options within the fund itself that gets those returns for you. Does that make sense?\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Yeah. So with Aware Super as well, when you did have a look at your investments, I know you did change yours to high growth as well. You would have seen that there was maybe ten, twenty different investment options that you could have picked from. With Hub twenty four, there's hundreds and hundreds of different investment choices all the way down to direct shares as well. And that's what makes it so competitive is how we can then construct your investment portfolio because of all those choices.\n\nNow you will see as well here that the cost is more with Hub 24 than with Aware Super, and it is because it is more of that sophisticated platform and allows us to do a lot more with your investments. But, obviously,\n\nChannel 1: Okay.\n\nChannel 0: something to be mindful of that the total cost is more than Aware Super. But if you also look at the return on the investment, so, again, using a five year rolling average, the recommended portfolio over the same time period has performed at 12.55%, which is a pretty big difference of 4.75% considering they are both high growth options. Does that make sense?\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Yeah. Now the reason we do use a five year rolling average as well is that it gives us a better indication of how the market has performed as well as the portfolio. It's obviously something you can't guarantee what's going to happen with the market or with the investments. That is why we're using five year time frame instead\n\nChannel 1: Yep.\n\nChannel 0: of, for example, a twelve month. Depending on when we would have used a twelve month period, sometimes it would have shown that you would have looked like you won the lottery, whereas\n\nChannel 1: Mhmm.\n\nChannel 0: other years, it wouldn't have been as great. So that's why we are wanting to use a five year period of time and averaging that out to give you a little bit more certainty. Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Now you can also see here, though, that on the recommended side, which also contributes is the different contribution strategies. So you can see the three different contributions. You can see the thousand dollars, the 500, and the 3,000. I will\n\nChannel 1: Yep.\n\nChannel 0: explain what that is for you. But, also, to give you a like for like comparison to show you without\n\nChannel 1: Okay.\n\nChannel 0: the additional contributions\n\nChannel 1: Mhmm.\n\nChannel 0: in the appendix. That will be your second attachment later. I have\n\nChannel 1: Okay.\n\nChannel 0: included a a like for like, assuming you do no extra contributions and only that from your employer that will or that that will kick\n\nChannel 1: Yep.\n\nChannel 0: in with the new changes, which is that $9.07 9. So I have then showed you a a kind of an apple for apple comparison\n\nChannel 1: Mhmm.\n\nChannel 0: to show you that as well in the appendix just so that you have all that information. It still shows that you're\n\nChannel 1: Mhmm.\n\nChannel 0: a lot better off, but you have that as well to go back on and\n\nChannel 1: Mhmm.\n\nChannel 0: have a look. Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Now do you have any other questions in regards to anything on this table otherwise so far?\n\nChannel 1: I mean, as you said, like, my question would have been, you said we will explain later. So that's fine.\n\nChannel 0: Yes.\n\nChannel 1: I think it's just\n\nChannel 0: Okay.\n\nChannel 1: yeah. Mhmm.\n\nChannel 0: The contrib yeah. The contributions is outlined in a separate strategy because they get a little bit more complex. So I will but this basically shows everything. So kind of the pages you scrolled over talks about the hub 20 four. It talks about the the benefits of the recommendation.\n\nSo, obviously, you can see the the total return of the investment, putting in a better position, family linking, everything like that. Downside is, obviously, it is more expensive. We do also have to roll over the fund. And during that process, obviously, there is a little bit of time where the invest the funds are not invested during the administration process time. So it kind of talks about all of that so you have all the information.\n\nAnd one of the risks is that there's always a level of risk associated with any investment option. But that, again, is why we are wanting to use the five year rolling average when we are looking at historical returns for you.\n\nChannel 1: Mhmm.\n\nChannel 0: Yep. Now if you scroll down for me down to page 19, you can then see it projected forward that five and\n\nChannel 1: Yep.\n\nChannel 0: ten years for the recommended side again. So that obviously factors in the upfront advice fee that you saw came out, but also the ongoing advice fee. It factors in everything for you.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Yep. Now underneath it, I have been showing you a little bit more on the return so you can see it over a longer period of time. So I have done a twelve month period, three years, five years, and ten years to show\n\nChannel 1: Mhmm.\n\nChannel 0: you, and you can see across all time frames the recommended has still outperformed your current situation.\n\nChannel 1: Mhmm. Okay.\n\nChannel 0: Yep. Makes sense so far?\n\nChannel 1: Yep. Mhmm.\n\nChannel 0: Yep. Now what that looks like in terms of the investments I have recommended is page 20, if you can see that.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. So what I have recommended, it is a tailored portfolio within hub twenty four. Now, Alan, this is the same portfolio I have recommended that we change yours to as well. I will show you what that looks like, but in terms of the actual investments, it is exactly the same.\n\nChannel 1: Yep. Okay.\n\nChannel 0: So you can obviously see here that in your Aware Super, you have a 100% invested in one option. Now\n\nChannel 1: Mhmm.\n\nChannel 0: what that one option is, it is a managed fund, so you do have a bit more investments than just one in there. But how it works is that it is a managed fund, so Aware Super are kind of deciding what goes in and out of that portfolio, but it's not public. So you don't know what it is. We don't know what it is. So there\n\nChannel 1: Okay.\n\nChannel 0: could be things in there that you might not agree with or that you might like. We just don't know what it is. The only thing we know is that a 100% invested in one option. So it doesn't provide you with as much diversification or transparency with the\n\nChannel 1: Yep.\n\nChannel 0: portfolio that we instead have compared in hub twenty four for you.\n\nChannel 1: Mhmm.\n\nChannel 0: Yep. Now with the investments as well, they are all public, so you can go and have a look at all of these investments and read exactly what is in each and every single one of these investments if you want to. But to\n\nChannel 1: Mhmm.\n\nChannel 0: make it easier in the appendix, so that's what the other comparison table was that I mentioned. I have also included investment links to make it easier for both of you for these\n\nChannel 1: Mhmm.\n\nChannel 0: investments. So you can just click on them, and that gives you all the information in regards to the investment. And you can actually see every\n\nChannel 1: Yep.\n\nChannel 0: single company invested in that as well, so it does give you that full transparency as well. But, basically, how we put together our portfolio I'm sorry, Alan. You may have heard this before, so it might be a little bit repaid. But, essentially, how we put together our portfolio is that we use a core and satellite approach to investing. Have you guys\n\nChannel 1: Okay.\n\nChannel 0: ever heard of that before?\n\nChannel 1: No.\n\nChannel 0: No. Essentially, what it is is that we invest majority of this month in what we would call your core investments. Now\n\nChannel 1: Again.\n\nChannel 0: these represent the backbone of the portfolio and essentially are your passive index funds that have done really well in the past, and they are very diversified. Now what they are for both of your portfolio is that you can see the ones that has a higher percentage allocated. So for example, you can see the iShares S and P 500 as 35%. That is one of\n\nChannel 1: Mhmm.\n\nChannel 0: your core investments. You may have heard of that before.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Essentially, what that one single investment is, though, it does the 500 largest companies listed in The US. So, obviously,\n\nChannel 1: Mhmm.\n\nChannel 0: very diversified within that one single investment. You\n\nChannel 1: Okay.\n\nChannel 0: do have companies like Apple, Microsoft, Amazon, all the big companies you would have heard of. So even though it's 35%, it is 500 companies invested in that one option. Okay?\n\nChannel 1: Mhmm.\n\nChannel 0: Yep. Now another one of those core investments is then the one just underneath it, which is the BetaShares Australia 200. That\n\nChannel 1: Mhmm.\n\nChannel 0: one here invests in the 200 largest companies listed in Australia on the ASX. So\n\nChannel 1: Mhmm.\n\nChannel 0: you'll have companies like Commonwealth, BHP, CSL, Woolworths, all the big companies in Australia.\n\nChannel 1: Yep.\n\nChannel 0: So, again, that forms part of your core investment. Now because both of you are then in a high growth portfolio, the goal is to maximize growth as much as possible. So\n\nChannel 1: Okay.\n\nChannel 0: aside from the the core investments, you then have, like, your satellite investments. Now these\n\nChannel 1: Mhmm.\n\nChannel 0: investments are a little bit more dynamic. They are a little bit more specialized investments that target specific regions, assets, or different sectors in order to kinda maximize that growth for you.\n\nChannel 1: Mhmm.\n\nChannel 0: They can also be a little bit more volatile, and that is what they only represent a smaller portion of the portfolio. Does that make sense?\n\nChannel 1: Mhmm.\n\nChannel 0: Yep. So for example, you can see that 6% is in the beta shares cybersecurity. Obviously,\n\nChannel 1: Okay.\n\nChannel 0: technology AI not going anywhere anytime soon, so there's a lot of opportunities in this space. But, again, because it is a satellite investment, we do only wanna allow that 6% allocated to this investment.\n\nChannel 1: Mhmm.\n\nChannel 0: Now another one is then your iShares Europe because we also wanna make sure that your portfolio for both of you is very diversified. We don't want everything in just The US or Australia. We wanna make sure it's well diversified across the globe. So if something\n\nChannel 1: Mhmm.\n\nChannel 0: would happen to one market as well, it is very diversified for you. So we have\n\nChannel 1: Okay.\n\nChannel 0: 9% in iShares Europe, which does invest in a broad range of kind of large and mid sized European companies, predominantly from The UK, Germany, France, Switzerland. It is managed by BlackRock, which you may have heard of. They are one of the largest asset managers. And some of their kind of biggest holding in that one investment is, like, your Nestle, your Novo Nordisk, AstraZeneca, and Shell, which you may have heard of.\n\nChannel 1: Mhmm. Mhmm. Okay.\n\nChannel 0: Yep. Does that all make sense so far?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Yeah. Now I know it's a I know it's a lot. So you can obviously go and have a read over everything.\n\nChannel 1: Mhmm.\n\nChannel 0: You also have 5% in Japan. There's a lot of opportunities in Japan as well. Again, wanna make sure we diversify across the globe for you, and that invest in broad and large mid sized companies in Japan.\n\nChannel 1: Mhmm.\n\nChannel 0: Now we then have another one, 8% in Vanguard All World. You may have heard of Vanguard before.\n\nChannel 1: Yep. Mhmm.\n\nChannel 0: Yes. Now this one here invest in thousands of different companies all across the world, but it does exclude The US because you already have exposure to The US market in the iShares S and P 500. And we also wanna make sure you don't have too much in just that one sector. Okay?\n\nChannel 1: Yep. Mhmm.\n\nChannel 0: Yep. So, basically, invest in Asia, emerging markets, and some parts of Europe as well there for you.\n\nChannel 1: Mhmm.\n\nChannel 0: But then what we also want to do is we wanna make sure we have a little bit of that defensive component to\n\nChannel 1: Mhmm.\n\nChannel 0: your portfolio to stabilize those fluctuations as well. So we have 7% invested in gold for you. Now that is basically just a low cost investment option to access physical gold via the exchange trade\n\nChannel 1: Mhmm.\n\nChannel 0: the stock exchange. Obviously,\n\nChannel 1: Yep.\n\nChannel 0: it avoids you having to stock gold bullion at home. So this is another just convenient way to having that kind of stabilized components to your portfolio. And then we have\n\nChannel 1: Mhmm.\n\nChannel 0: 5% in fixed interest. Again, just kinda limit fluctuations a little bit, stabilize that portfolio,\n\nChannel 1: Mhmm.\n\nChannel 0: but the main focus is to maximize that growth. Do either of you have any questions in regards to the investments?\n\nChannel 1: So I have a few questions if that's alright.\n\nChannel 0: Mhmm.\n\nChannel 1: So\n\nChannel 0: Of course.\n\nChannel 1: the portfolio that you've you've listed out here with the Hub twenty four, is this one that's bespoke that's being picked by Oakview, or is this like\n\nChannel 0: Mhmm. Correct.\n\nChannel 1: a okay. Alright. So Hub\n\nChannel 0: Yes.\n\nChannel 1: 20 four gives you guys the the the opportunity to flexibility. Okay. And then\n\nChannel 0: Correct.\n\nChannel 1: how often\n\nChannel 0: So have\n\nChannel 1: like, how how many different portfolios do you or if you manage with Hub twenty\n\nChannel 0: we\n\nChannel 1: four?\n\nChannel 0: we yeah. Sorry. Because we have 24, it allows us to do everything. So we have a lot of different investment portfolios that kind of evolved, obviously, through time. So, obviously,\n\nChannel 1: Okay.\n\nChannel 0: when we still started the company, you obviously had a different portfolio back then years ago. Things were obviously very different in the market. Like, cybersecurity\n\nChannel 1: Mhmm.\n\nChannel 0: probably wasn't as prominent and a lot of other investments, but the portfolios were very different. And then they kind of evolved with time as well as the market and everything is changing. It does depend how frequent we do it depends on what is going on in the world. So, obviously, during\n\nChannel 1: Okay.\n\nChannel 0: COVID, there was a lot more changes. It just depends on what's going on, but it is something that the investment committee are continuously reviewing. So even for Alan's situation, what he's currently invested in right now is a little bit different to this portfolio, and that was also because at the time, that was what's going to be the best for him. And then, obviously, markets, nothing's ever changing, and we wanna be proactive with making that changes as everything change. Also, as your situation change, as your risk tolerance change as well, So we have a lot of different tailored portfolio.\n\nBecause the closer you guys get to retirement, you might wanna then start looking at reducing risk a little bit. So it's been changing different allocations and different investments depending on what is appropriate\n\nChannel 1: Okay.\n\nChannel 0: for you guys at this time. But, also, hub twenty four does give that option because I said there's hundreds of different options. So, basically, with hub twenty four, once you open an account, you can choose a 100 of different options. So we then\n\nChannel 1: Okay.\n\nChannel 0: are okay to tailor and put together the portfolio for you. We pick\n\nChannel 1: Mhmm.\n\nChannel 0: it, and then we set that up for your account. But at the same\n\nChannel 1: Okay.\n\nChannel 0: time, if you guys are very like, oh, I really wanna invest in this option, we still have that flexibility. So if you specifically tell me, oh, I don't like Europe. I don't want that. We\n\nChannel 1: Okay.\n\nChannel 0: can then change it. So it does does give us that flexibility. Or if you go, you know what? I really wanna invest in some kind of crypto. Not necessarily something I would recommend, but if you specifically go, I want this, it allows us the option to also tailor what is important to you guys.\n\nSo it's not like\n\nChannel 1: Okay.\n\nChannel 0: a set and forget portfolio. It's not something that we invest and then see you later five years. Let's review it. It is something that we are continuously reviewing. And as Alan would note, that also forms part of the under review process.\n\nSo during\n\nChannel 1: Okay.\n\nChannel 0: the under review, which is something we do, at a minimum every twelve months, we can do it more frequently depending on how much communication you guys want. But at a minimum every 12, we'll reassess, making sure the advice is still appropriate for you. Depending on what's happened in the world, the your life situation, if anything were to change, we then wanna make sure we tailor things to make sure it continues to be in your best interest and aligned with your views, but also what's going to be best for you moving forward.\n\nChannel 1: Yep. So when you change it, like, let's say,\n\nChannel 0: Mhmm.\n\nChannel 1: I'm sure what's happening is that on the yearly review, you change things.\n\nChannel 0: Yep.\n\nChannel 1: When things change, is it, like, selling some things and then acquiring other things? Is it, like, all going\n\nChannel 0: Potentially.\n\nChannel 1: forward\n\nChannel 0: Yes. So\n\nChannel 1: yeah.\n\nChannel 0: so\n\nChannel 1: Okay.\n\nChannel 0: part of it could be so when we get to Alan's investment, you will see that I have recommended changing some. Some is actually keeping the investments, just changing the allocation to how much it is. Sometimes\n\nChannel 1: Okay.\n\nChannel 0: it's just a matter of rebalancing the portfolio because, obviously, investments value change. So, obviously,\n\nChannel 1: Yep.\n\nChannel 0: as some investments grow in value, they can become over weighted. So what we then do during annual review is reassess, rebalance everything if it is appropriate. So rebalancing, changing some investments, buying some new ones, and changing out depending on what is going to be the best for you at the time. Again, going back to depending on what is going on. But it doesn't have to be at just under review time.\n\nSo, obviously, the investment committee meet all the time. And if we could say, well, something like with COVID, for example, you obviously wanna be proactive. You don't wanna just leave things as well. So if there is something major that is going to happen, we're not gonna be like, oh, no. You're under review.\n\nIt's not up yet. Let's wait and talk to you in ten months. If something's going to happen, we will let you know and be proactive in making those changes. Or, for example,\n\nChannel 1: Okay.\n\nChannel 0: if something were to happen with your life situation or anything for both of you and you go, you know what? There is a lot of happening in the market. I don't feel comfortable with the level of risk. We can always change it. But we wanna obviously do the due diligence and the research because by chopping and changing investments, you also have to pay for transaction fees, and we also wanna factor in capital gains tax.\n\nSo we obviously do that when we're factoring how we are going to change the investments for you.\n\nChannel 1: Okay. Because that's a I mean, that's a different question I had about\n\nChannel 0: Mhmm.\n\nChannel 1: to ask later about with all of these, there is also, obviously,\n\nChannel 0: Mhmm.\n\nChannel 1: the the tax implications, the transaction speed.\n\nChannel 0: Yes.\n\nChannel 1: Will it like, that can be if only that so the other question I had was so the makeup of this\n\nChannel 0: Mhmm. Mhmm.\n\nChannel 1: so I think so firstly, like, what if you how if you manage it, which which we just discussed.\n\nChannel 0: Yep.\n\nChannel 1: The the I I had initial that I was thinking about. Oh, that's a with everything that's currently happening, there is a\n\nChannel 0: Mhmm.\n\nChannel 1: lot of exposure in this portfolio to The US market. And\n\nChannel 0: Mhmm. Mhmm.\n\nChannel 1: not that I'm saying it's wrong. I don't have the same level\n\nChannel 0: Mhmm.\n\nChannel 1: of research you have. And you putting 30% implies that your research in place that The US is still quite a stable and quite a strong market to stay in.\n\nChannel 0: Yep. Yes.\n\nChannel 1: So, like, that's more of a I'm inviting comments on that\n\nChannel 0: Yes.\n\nChannel 1: just to reassure that,\n\nChannel 0: Yes.\n\nChannel 1: like, that's my assumption, and that assumption is\n\nChannel 0: Yes.\n\nChannel 1: what is what you guys have determined\n\nChannel 0: Correct.\n\nChannel 1: with yeah.\n\nChannel 0: Correct. Yes.\n\nChannel 1: Well, I just caught it in my head because you can elaborate on this further. The only thing I\n\nChannel 0: Yeah.\n\nChannel 1: had in my head was when I was looking at this\n\nChannel 0: Mhmm.\n\nChannel 1: was okay. So you know how you said, like, Hub twenty four and Aware Super and Australian Union, all these companies are very similar. Like, I\n\nChannel 0: Mhmm. Mhmm.\n\nChannel 1: I'm aware that in Australia, super regulation companies have have to operate under, like, a certain thing to kind of, like, prevent\n\nChannel 0: Correct.\n\nChannel 1: losing of money of clients. And, like, some of that is also related to, like, being underwritten by something. But I don't like, I don't know if you can just give, like, a a short, like, oh, yeah. Hub twenty four does the same thing. Because, obviously, Aware has, like, one giant fund, whereas\n\nChannel 0: Mhmm.\n\nChannel 1: Hub twenty four looks more like like, yeah, investments like investments, like your your\n\nChannel 0: Mhmm.\n\nChannel 1: standard, like, ETF investments. And so then\n\nChannel 0: Yes.\n\nChannel 1: how, like, does it have, like, I assume it does have the same underwritten thing and has to comply to\n\nChannel 0: Yes.\n\nChannel 1: avoid,\n\nChannel 0: Same\n\nChannel 1: like\n\nChannel 0: legislation. Same rules. Yes. Because\n\nChannel 1: yeah.\n\nChannel 0: it is a super fund, and they have to follow the CIS Act. That is the same for every super fund. So that is something that they have complied with. When it comes\n\nChannel 1: Mhmm.\n\nChannel 0: to the rules and legislation reporting, that is the same for any super fund. Now with hub twenty four, they do have managed funds as well that we consider, which is, like, similar to Aware Super. So there are heaps and heaps and heaps of different managed funds as well to choose from.\n\nChannel 1: Mhmm.\n\nChannel 0: But when looking at them and constructing the portfolio, a lot of them are a little bit more expensive because they have that kind of active and buying, selling different investments, but it doesn't give us the same kind of transparency with what is actually within the investment\n\nChannel 1: Okay.\n\nChannel 0: because, obviously,\n\nChannel 1: Mhmm.\n\nChannel 0: that is kind of a a trademark sometimes to some of those portfolio managers. So this is so it is something that we are continuously we're always reviewing. So we're always\n\nChannel 1: Okay.\n\nChannel 0: reviewing the repairs as well, but, obviously, that's a little bit riskier. So depends\n\nChannel 1: Mhmm.\n\nChannel 0: on, again, the level of risk, different ETFs. Because at the same time, we wanna make sure we keep the cost down. We don't want the fees to be too much. We obviously wanna make sure it doesn't impact the returns. So we wanted\n\nChannel 1: Mhmm.\n\nChannel 0: a balance of keeping the fees down, which ETFs are a fantastic way of doing that, give you the\n\nChannel 1: Mhmm.\n\nChannel 0: diversification by also focusing on the returns. So with the different super funds as well, because you don't have the same level of diversification, so if anything tend to tend to happen, it would be predominantly when it comes to the investments\n\nChannel 1: Mhmm.\n\nChannel 0: and how things are obviously invested. But as you can see with the hub twenty four, the portfolio we have now recommended for both of you, it is very diversified. So if, let's say, something were to happen short term with The US market, you're not having everything in that. So it's very diversified. Whereas with AwareSoup, you could have 90%.\n\nYou could have 5%. We just don't know.\n\nChannel 1: Mhmm. Mhmm. Yep.\n\nChannel 0: Yep.\n\nChannel 1: Okay. So doing it this way also gives us the the transparency to see exactly what's happening.\n\nChannel 0: Correct.\n\nChannel 1: Yep.\n\nChannel 0: Yes. And you with the with the investments or with the appendix, you can also see all those things. So you can actually go and see because it is public for you. Even Hub twenty four is a public listed company.\n\nChannel 1: Yep.\n\nChannel 0: So\n\nChannel 1: Okay.\n\nChannel 0: you can actually\n\nChannel 1: Mhmm.\n\nChannel 0: go and see if you wanted to see all those 500 companies on the iShares S and P 500. You can go and look at what all those 500 is. It is all\n\nChannel 1: Mhmm.\n\nChannel 0: there for you to look at.\n\nChannel 1: Yeah.\n\nChannel 0: Mhmm.\n\nChannel 1: So when when we invest individually, we get given, like, a check number. Right?\n\nChannel 0: No.\n\nChannel 1: As in,\n\nChannel 0: Because\n\nChannel 1: like,\n\nChannel 0: it's\n\nChannel 1: a\n\nChannel 0: all within Uber. So it's not the same as your personal investments.\n\nChannel 1: I see. Okay. So\n\nChannel 0: Yes.\n\nChannel 1: so when it's in super, does that mean that our super has like, our super for investment purposes has a different, like, hidden number or something like that. Like, is its own entity? And so how\n\nChannel 0: Yes.\n\nChannel 1: does\n\nChannel 0: So you can see the the a so they in you say the a t I I code? You can see that listed, like the hack IEU. That's the\n\nChannel 1: Yeah.\n\nChannel 0: individual code for that. But it's very different to your personal investment where you need your test number. You need everything because it's individually in your name. This is just held in your super. So with Aware Super, even though you're still invested, you don't have a test number.\n\nYou don't have all of that because it's all within the super environment. The super trustee are then liable to make sure everything stays compliant, and they follow all the rules.\n\nChannel 1: Right. Okay. So, essentially, Hub twenty four have, like, a giant pool of money of all the Oakview. It is it it's not Hub twenty four that has the money. Oh, they're the They're manage they're managing the Superfund.\n\nRight? Isn't like, actually,\n\nChannel 0: So hub\n\nChannel 1: a\n\nChannel 0: 20\n\nChannel 1: more general question is\n\nChannel 0: hub\n\nChannel 1: well, sorry, Veronica. Just a more general question.\n\nChannel 0: yeah.\n\nChannel 1: Like, where\n\nChannel 0: Mhmm.\n\nChannel 1: is the money for our Superfund account actually held? Like, who who who\n\nChannel 0: Hub\n\nChannel 1: holds\n\nChannel 0: 24.\n\nChannel 1: that? Top 20\n\nChannel 0: Hub\n\nChannel 1: four,\n\nChannel 0: twenty\n\nChannel 1: actually.\n\nChannel 0: four.\n\nChannel 1: Okay.\n\nChannel 0: So\n\nChannel 1: Oh, okay.\n\nChannel 0: Hub twenty four is is the platform. So it's the same with I'd like to sync your bank account. Like,\n\nChannel 1: Yeah.\n\nChannel 0: they they that's where your money sorry. We don't have it. So I can't be like, okay. I'll like, Oakview\n\nChannel 1: Mhmm.\n\nChannel 0: owns\n\nChannel 1: Mhmm.\n\nChannel 0: it.\n\nChannel 1: Yeah.\n\nChannel 0: It's within Hub twenty four. We\n\nChannel 1: Okay.\n\nChannel 0: manage\n\nChannel 1: As soon as I get\n\nChannel 0: how things are invested,\n\nChannel 1: yeah.\n\nChannel 0: but there's,\n\nChannel 1: Okay.\n\nChannel 0: like, Hub twenty four because there's, like, hundreds of billions of funds. So it's not like just Oakview specific. It's hundreds and hundreds of investors and\n\nChannel 1: Yeah.\n\nChannel 0: and wholesale investors invest in Hub twenty four.\n\nChannel 1: And and I guess\n\nChannel 0: So\n\nChannel 1: at,\n\nChannel 0: it's yeah.\n\nChannel 1: you know, at the end of the day, if how '24 goes on, though, or something like that, like, what happens to our money? Like, it's all backed by what's it all backed by?\n\nChannel 0: Correct. So Hub twenty four because they are giant. It's not if something were to happen to Hub twenty four, which would be very unlikely, but if you were to\n\nChannel 1: Mhmm.\n\nChannel 0: see\n\nChannel 1: Yeah.\n\nChannel 0: some other super funds, they obviously get acquired. So you would have potentially heard, like, Sunsuper, different investments within acquired by Australian Retirement Trust. They just buy buy super fund, and then members get transferred over through another super fund.\n\nChannel 1: Right.\n\nChannel 0: So that's basically\n\nChannel 1: But all this\n\nChannel 0: how it works.\n\nChannel 1: is\n\nChannel 0: But, again what was that? Sorry.\n\nChannel 1: and all of this is is, like, regulated by by the government.\n\nChannel 0: 100\n\nChannel 1: Right?\n\nChannel 0: percent. Yes.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: So\n\nChannel 0: they have\n\nChannel 1: just\n\nChannel 0: to follow\n\nChannel 1: like any other.\n\nChannel 0: Yes.\n\nChannel 1: Yeah.\n\nChannel 0: Exactly.\n\nChannel 1: And and the same\n\nChannel 0: So\n\nChannel 1: thing\n\nChannel 0: it\n\nChannel 1: applies\n\nChannel 0: is there.\n\nChannel 1: to any super fund. Right? Like, any super fund\n\nChannel 0: Correct.\n\nChannel 1: might go under or whatever, and they're all\n\nChannel 0: Yes.\n\nChannel 1: backed by the government regulation, and other super\n\nChannel 0: Correct.\n\nChannel 1: funds can apply also. Yeah. Okay.\n\nChannel 0: Correct.\n\nChannel 1: Mhmm.\n\nChannel 0: Often when\n\nChannel 1: So\n\nChannel 0: something\n\nChannel 1: yeah.\n\nChannel 0: were to happen, it is more in regards to the investments as well. So you may have heard of, like, Shield Master Trust and kind of what happened with that.\n\nChannel 1: No. But\n\nChannel 0: No.\n\nChannel 1: yeah.\n\nChannel 0: Yeah. There was some issues, but that was with that specific investment option. Now Hub twenty four did not allow that single investment option on their platform. So they\n\nChannel 1: Right.\n\nChannel 0: obviously also have a lot of different rules to even allow an investment option to be available on that platform. For example,\n\nChannel 1: Yep.\n\nChannel 0: the Shield Master Trust, that investment was managed fund. That investment option was available with Macquarie and with Netwealth, for example, which you\n\nChannel 1: Mhmm.\n\nChannel 0: may have heard of Macquarie over to see massive. So what happened is that that the Shield Master Trust collapsed. People had some money invested\n\nChannel 1: Yep.\n\nChannel 0: in that investment option. The whole super didn't collapse, but, obviously, if you had a 100% in Shieldmaster Trust, obviously, not as diversified. But\n\nChannel 1: Yep.\n\nChannel 0: what they are then looking at doing now is then kind of paying back the customers that were affected by that, and that's obviously when the government and everything steps in. But that was with one single investment option. Like I said, Hub twenty four did not approve or allow that option on the platform. So to even\n\nChannel 1: Yep.\n\nChannel 0: qualify to be a choice, if something were to happen, Hub twenty four will then take also their liability. They would then be responsible to pay back. So there's a lot of legislation and stuff in place to protect you guys. And like I said, I use Hub twenty four for my personal super as well.\n\nChannel 1: Yep. Okay.\n\nChannel 0: So when it comes to the protection, it would be same legislation, same rules that Aware Super has to follow,\n\nChannel 1: Mhmm.\n\nChannel 0: Australian Super has to follow, and Hub 24 has to follow as well.\n\nChannel 1: Sounds good. Okay. Yeah.\n\nChannel 0: Does that make sense?\n\nChannel 1: Mhmm. Yeah. Yeah. No. It\n\nChannel 0: Yes.\n\nChannel 1: does. It's just more like I mean, in terms of the, like,\n\nChannel 0: Mhmm.\n\nChannel 1: the the what you just went through earlier about the the different diversifications and\n\nChannel 0: Mhmm.\n\nChannel 1: the original spine and spoke kind of like model, that looks, in terms\n\nChannel 0: Yep.\n\nChannel 1: of that, that looks fine to me, which is more of\n\nChannel 0: Yep.\n\nChannel 1: a kind of like, hey.\n\nChannel 0: Broader\n\nChannel 1: There\n\nChannel 0: thing.\n\nChannel 1: is 35%\n\nChannel 0: Yep.\n\nChannel 1: in The US. Obviously, there's a lot of stuff happening in The US at the moment.\n\nChannel 0: Yep. Yep.\n\nChannel 1: It doesn't mean that the their economy is on the verge of collapse or anything like that, but it's just something, like, to factor in, which I'm sure you\n\nChannel 0: Yeah.\n\nChannel 1: would have.\n\nChannel 0: Yeah. And also, again, that one option, it is 500 companies.\n\nChannel 1: Yeah.\n\nChannel 0: So it's not\n\nChannel 1: Mhmm.\n\nChannel 0: like, like, if something were to happen to, let's say, NVIDIA or something would happen,\n\nChannel 1: Yep.\n\nChannel 0: you don't have everything invested in that option. As\n\nChannel 1: Mhmm.\n\nChannel 0: another company grows and gets bigger, it gets added to the 500, something smaller comes out. You don't have to change your investments because you are just invested in the index tracking the largest 500.\n\nChannel 1: Yeah.\n\nChannel 0: But, obviously, everything going on in the world, everything with AI and everything like that that's happened, US\n\nChannel 1: Mhmm.\n\nChannel 0: is definitely the forefront of that. And doing all the research, US is definitely still a good market to be in for the future. Now, obviously,\n\nChannel 1: Okay.\n\nChannel 0: for your investments, it is long term. You can't access it until you turn 60 at the\n\nChannel 1: Yep.\n\nChannel 0: earliest. So, obviously,\n\nChannel 1: Mhmm.\n\nChannel 0: it is very much like that. But at the same time, we don't want a 100% invested in there because there's always going to be some short term fluctuations even when there's an election happening. You see a little bit of fluctuations in the market. The short term is not something we're concerned about unless there are some big structural issues happening in a market where we then to see that we wanna leave it. For example, like, with China a little while ago and everything like that.\n\nIf there's bigger things, then we wanna look at changing it. But in terms of opportunities, US is still very much a market that we foresee that there being a lot of long term growth opportunities, especially when you are looking at technology and AI and everything that's kind of evolving. They are very much the forefront of that. But that's not to say we wanna put everything there.\n\nChannel 1: Okay. Mhmm. Mhmm. Yep.\n\nChannel 0: Yep.\n\nChannel 1: That makes sense.\n\nChannel 0: But, again, as things change, if there's ever you never know what's going to happen in the world. If things change, we obviously reconsider the position.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Yep.\n\nChannel 1: So then when when you change the position, like,\n\nChannel 0: Mhmm.\n\nChannel 1: there will like, every, you know, every time you make a movement in terms of ETFs,\n\nChannel 0: Yep.\n\nChannel 1: like, acquiring and moving,\n\nChannel 0: Mhmm.\n\nChannel 1: there's always transaction fees involved. Like, how does that\n\nChannel 0: Yes.\n\nChannel 1: happen? Yeah. How does that happen?\n\nChannel 0: So before we were to do it, which you will see more in Alan's situation, because\n\nChannel 1: Okay.\n\nChannel 0: that's what we are doing for him, you will see that we factor in transaction fees,\n\nChannel 1: Okay.\n\nChannel 0: but which aren't very they're very minimal. But the biggest thing is capital gains tax because\n\nChannel 1: Mhmm.\n\nChannel 0: of how the investments are. Obviously, when you are selling investments, if they have gone up, there will be capital gains same as if you're selling your personal investment or investment property or anything like that.\n\nChannel 1: Mhmm.\n\nChannel 0: There will\n\nChannel 1: Yep.\n\nChannel 0: be capital gains tax. Now it's not\n\nChannel 1: Yep.\n\nChannel 0: something you pay for personally because it's it's within superannuation,\n\nChannel 1: Yep.\n\nChannel 0: and it's not as much as you would have pay outside superannuation, but it is still a factor. So when\n\nChannel 1: Mhmm.\n\nChannel 0: we decide or recommend what we are going to do, we factor in all of that. So you will actually see for Alan's situation that there will be some capital gains tax with the recommendation, which\n\nChannel 1: Yep.\n\nChannel 0: I'll explain and go through. But then\n\nChannel 1: Okay.\n\nChannel 0: also factoring in we wanna minimize that as much as possible, but not to the detriment of just keeping you within an investment if long term that investment's going through kind of negate the capital gains tax. But it's something that we have to consider all of it. We can't just be like, okay. Well, you've earned this much in this super fund. You have a, you know, 20,000 capital gains tax.\n\nLet's just\n\nChannel 1: Okay.\n\nChannel 0: move you. No. Like, we have to factor in everything to be, like, what is going to be the best when it comes to the full disclosure of all fees. And\n\nChannel 1: Okay.\n\nChannel 0: that's when we were to do, like, a new statement of advice. So in Alan's situation, this is where where his situation comes in, where I have them made a recommendation considering all of that of\n\nChannel 1: Yep.\n\nChannel 0: what is going to be the best. So we\n\nChannel 1: Okay.\n\nChannel 0: can't just go to be like I can't just call you to be like, okay. Cool. I wanna change this investment. I have to present every time we do personalized tailored advice, we have to present everything in a statement of advice. Can be a little bit tedious, but you just make sure that you are fully informed of everything and that everything has been considered.\n\nYou have to then sign off on that before we can actually proceed with it.\n\nChannel 1: Yep. Yep. And so how does Alan know that you've done the thing that you said you've done? Like, the new Yes. Like, I have access to my Hub 24 account, and I see\n\nChannel 0: Yes.\n\nChannel 1: constant messages from Oakfield saying\n\nChannel 0: Yes.\n\nChannel 1: that they've made services in in that account. Yeah. So yeah. Sorry if\n\nChannel 0: Yes.\n\nChannel 1: these questions come off as, like,\n\nChannel 0: No.\n\nChannel 1: questioning\n\nChannel 0: It's good.\n\nChannel 1: the trust\n\nChannel 0: I\n\nChannel 1: or anything.\n\nChannel 0: like it because that means that you are onto it. And that's good because that\n\nChannel 1: I\n\nChannel 0: tells\n\nChannel 1: got it.\n\nChannel 0: me also that you understand it and that\n\nChannel 1: Yeah.\n\nChannel 0: you have a good concept of it. So I would rather\n\nChannel 1: So\n\nChannel 0: you ask me and not.\n\nChannel 1: Yeah. I do have to go to work at some point, and I feel\n\nChannel 0: Okay.\n\nChannel 1: like we're not gonna get through the rest of the document in five minutes. Should Sorry.\n\nChannel 0: Probably\n\nChannel 1: Should we\n\nChannel 0: not.\n\nChannel 1: reschedule\n\nChannel 0: Hello?\n\nChannel 1: something? Is that okay?\n\nChannel 0: Yes. Of course, we can.\n\nChannel 1: Yes.\n\nChannel 0: Now let me have a look because, yes, there is quite a lot more, especially when it comes to contributions that get quite technical.\n\nChannel 1: Mhmm.\n\nChannel 0: And I wanna make sure\n\nChannel 1: Mhmm.\n\nChannel 0: we address everything together. So when is another best time for you guys?\n\nChannel 1: What days did you say you worked next week? What day\n\nChannel 0: Alright. So let me have\n\nChannel 1: is\n\nChannel 0: a look. Yeah.\n\nChannel 1: going?\n\nChannel 0: So at the moment, I'm fully booked Monday, Tuesday. I have availability Wednesday. I have same time as today,\n\nChannel 1: Yeah. Yep. That sounds good.\n\nChannel 0: if that works.\n\nChannel 1: Yeah.\n\nChannel 0: Okay.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Now because we kind of already touched on investments for both of you, obviously, if you have any questions, let me know. But we can\n\nChannel 1: Yep.\n\nChannel 0: then tryna tryna go on to the other things. Again, once I've gone through everything, I will let you guys take your time to read over it. We can then book a follow-up.\n\nChannel 1: Yep.\n\nChannel 0: And then any other questions you have, we can definitely go through as well. But I don't wanna make Alan late to work,\n\nChannel 1: No.\n\nChannel 0: so\n\nChannel 1: No. That's okay.\n\nChannel 0: I will let let you both go as well. You can also have a read through these documents before now and\n\nChannel 1: Yep.\n\nChannel 0: next Wednesday if you want\n\nChannel 1: Yeah.\n\nChannel 0: to.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Yeah.\n\nChannel 0: if you do have any other questions, let me know.\n\nChannel 1: Mhmm.\n\nChannel 0: And that way, we can hopefully save a little bit of time. Next time, there's still a few things I do wanna go through to make sure you fully understand everything,\n\nChannel 1: Yep.\n\nChannel 0: go and explain it. But everything is very detailed in the document as well. It gives you all the information\n\nChannel 1: Yep.\n\nChannel 0: so you guys can have a read over that. Alright.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. Thank you so much, guys, both of you. I will let you go, and I will call you both back next Wednesday, July 1, which seems pretty crazy, at 08:30. I hope you have a lovely birthday, Quinn, and that you\n\nChannel 1: Thank\n\nChannel 0: enjoy\n\nChannel 1: you.\n\nChannel 0: your little getaway.\n\nChannel 1: Thank you so much for being so patient with us.\n\nChannel 0: No.\n\nChannel 1: Really\n\nChannel 0: No worries.\n\nChannel 1: appreciate\n\nChannel 0: Like\n\nChannel 1: it.\n\nChannel 0: I said, I would rather you ask me the question than not and then be unsure about anything. So I would much\n\nChannel 1: Yeah.\n\nChannel 0: rather you ask any questions.\n\nChannel 1: It's just I'm just like oh, Alan's head off to work. That's fine. Okay. Bye, Alan.\n\nChannel 0: Yeah.\n\nChannel 1: It's just I'm just like I don't wanna just blindly trust things\n\nChannel 0: No.\n\nChannel 1: when\n\nChannel 0: And\n\nChannel 1: that\n\nChannel 0: you shouldn't.\n\nChannel 1: situation no. And I I don't want to because, like yeah. And it and I know it may come off as like, oh, you know, how can I trust you? But I think, like\n\nChannel 0: No. It's\n\nChannel 1: yeah.\n\nChannel 0: it's fair. It's fair. And it's really really valid. It's like, at the end of the day, it's your retirement. It's your savings, and you wanna make sure\n\nChannel 1: Yeah.\n\nChannel 0: that you make the best informed decisions for you. And\n\nChannel 1: Mhmm.\n\nChannel 0: that's also what we are here to do as\n\nChannel 1: Mhmm.\n\nChannel 0: well.\n\nChannel 1: Yeah. I mean, I don't wanna I don't want us to end up in one of those documentaries in the future where it's like,\n\nChannel 0: No.\n\nChannel 1: these people had really, really good returns, and they just gave over all their money, and then now they're, like, screwed over for retirement. So this is just, like,\n\nChannel 0: Exactly.\n\nChannel 1: the use of that, like, all the dots connect that, like\n\nChannel 0: Yes.\n\nChannel 1: because usually, if things sound too good to be true, there's usually\n\nChannel 0: Mhmm.\n\nChannel 1: something suspicious going on. Yeah.\n\nChannel 0: And it's\n\nChannel 1: That's\n\nChannel 0: good to\n\nChannel 1: pretty\n\nChannel 0: be\n\nChannel 1: much.\n\nChannel 0: conservative. It's good to be guarded and not just blindly trust everything. But there are there's a lot of legislation in place to protect you. There's a lot of legislation in pray in place and compliance\n\nChannel 1: Mhmm.\n\nChannel 0: for an adviser. It is very heavily regulated, specific specifically with ASIC, but there's also,\n\nChannel 1: Okay.\n\nChannel 0: like, a lot of internal dispute resolution system. So there's a lot of things in place to make sure that what I'm doing is right for you, that I have all the relevant qualifications and legislation and all the compliance that I'm bound by, that Oakview is bound by as the licensee, and that we always act in your best interest. So there's a lot\n\nChannel 1: Yeah.\n\nChannel 0: in place. There's a lot of red tape in the industry,\n\nChannel 1: Okay.\n\nChannel 0: which can be tedious from a paperwork point of view, but that\n\nChannel 1: Mhmm.\n\nChannel 0: is just in place to protect the customers at the end of the day.\n\nChannel 1: Oh, yeah. Absolutely. And I\n\nChannel 0: Yep.\n\nChannel 1: I don't mind, like, the rotations and things like that and checking the documents and stuff because I do have the attitude of, like, I'll check everything before I sign it.\n\nChannel 0: Yeah. Oh, I'm the same. I would\n\nChannel 1: Yeah.\n\nChannel 0: never sign anything. I even read five prints. So\n\nChannel 1: Yeah.\n\nChannel 0: that's good.\n\nChannel 1: Yeah. And then I think also the other thing that I'm also constantly thinking of, just so that you understand, is, like, so even though after this conversation, like, there's trust established, but there's also, like like, how do we ongoingly make sure not make sure. Like, I don't wanna micromanage you, but, like, just make sure that, like, you're still acting a best interest because,\n\nChannel 0: Yeah.\n\nChannel 1: obviously,\n\nChannel 0: Yes.\n\nChannel 1: companies can be led with\n\nChannel 0: Mhmm.\n\nChannel 1: different people and, like,\n\nChannel 0: Yes.\n\nChannel 1: things can go wrong. So it's just about that\n\nChannel 0: Yep.\n\nChannel 1: also ongoing making sure that, like, the quality that we have now\n\nChannel 0: Yes.\n\nChannel 1: is still ongoing\n\nChannel 0: Continuing.\n\nChannel 1: in the future.\n\nChannel 0: Mhmm.\n\nChannel 1: And how do we how do we essentially, I feel like if a company is transparent and has nothing to hide, like, I don't\n\nChannel 0: Mhmm.\n\nChannel 1: need to say the full story thing. Like, how do we make\n\nChannel 0: Yep.\n\nChannel 1: sure that, like, we're being reassured that, you know,\n\nChannel 0: Yes.\n\nChannel 1: our view itself is being managed well, that\n\nChannel 0: Doing the right thing. Yep.\n\nChannel 1: yeah. Because, like, I guess one of the fundamental things is, like, businesses that\n\nChannel 0: Mhmm.\n\nChannel 1: are managed well and managed well with, like, good management and stuff is, like, will continue\n\nChannel 0: Yeah.\n\nChannel 1: to perform well in the future. So, like,\n\nChannel 0: Yep.\n\nChannel 1: I don't want to be like, oh, I never saw it coming kind of thing. You\n\nChannel 0: Yes.\n\nChannel 1: know?\n\nChannel 0: Yeah. And and one of the things here, you can obviously go go on our website. You can read everything. Part of the document is that financial services guide, which shows you all the advisers. It shows you the directors.\n\nIt shows everybody.\n\nChannel 1: Okay.\n\nChannel 0: But one of the the good thing as well is with the under review. So how the legislation and stuff also work is that we can't just be like, let's say, you move overseas, don't tell\n\nChannel 1: Mhmm.\n\nChannel 0: us, or whatever it might be. We cannot keep charging fees. Every twelve months,\n\nChannel 1: Okay.\n\nChannel 0: you legally have to sign a document to say that you are happy to stay on for the next twelve months. It is\n\nChannel 1: Okay.\n\nChannel 0: not a locking contract at any point in time. But even in any period of time during the twelve month, if you go to know what? This isn't for me anymore. There's no lock in contract. There's no excess fees or anything like that.\n\nBut if you don't\n\nChannel 1: Mhmm.\n\nChannel 0: sign that twelve month agreement every single twelve months, we can't\n\nChannel 1: Mhmm.\n\nChannel 0: just keep charting fees. You have to say, okay. I am happy with the last twelve months. During the under review, which, obviously, Alan can kind of go through from from the that point of view, is that we go actually through how your investments have performed, fees,\n\nChannel 1: Mhmm.\n\nChannel 0: where everything's at to give you that transparency so you can see, okay. Well, what's happened in the last twelve months? How are things looking? Am I happy with the service? Am I happy with my returns?\n\nAm I happy with the investments? Whatever is happening, you\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: then say, okay. I'm happy to stay on for the next twelve months. So\n\nChannel 1: Okay.\n\nChannel 0: it's not\n\nChannel 1: Yep.\n\nChannel 0: something that you commit to and then just off you go. It is\n\nChannel 1: Yeah.\n\nChannel 0: something that you are doing. But like I said, I also have some clients that wants quarterly catch ups, six monthly catch ups, monthly catch ups. At the end of the day, how\n\nChannel 1: I\n\nChannel 0: much\n\nChannel 1: can.\n\nChannel 0: how much communication you want with me and overview, it is up to you. Some people go twelve months is fine because, obviously, a lot can happen in twelve months,\n\nChannel 1: Mhmm.\n\nChannel 0: and that is fine. And every twelve months, we will send you the documents. Obviously, you have access to you have 24 where you can, like Allan said, see all the transactions, see the investments, keep a lookout on everything, all your individual investments, how they're performing. So it gives you that transparency. There's a lot of different reports features you can do.\n\nBut, again, during under review, we give you a snapshot of the last twelve months and go through where everything's at, how\n\nChannel 1: Mhmm.\n\nChannel 0: things are sitting, go through returns, and everything like that. And you have to then say, okay. I'm still happy. Let's sign another agreement and see where things go.\n\nChannel 1: Mhmm. Yeah. So the, like, the ongoing fee is because you're actively always doing work to\n\nChannel 0: Correct.\n\nChannel 1: do the assessment and things like that. You just consolidate into,\n\nChannel 0: Yes.\n\nChannel 1: like, a one yearly fee, but, essentially, it\n\nChannel 0: Yes.\n\nChannel 1: covers your, like, entire year\n\nChannel 0: Yes.\n\nChannel 1: of the work, the consultation\n\nChannel 0: Yes.\n\nChannel 1: time, the\n\nChannel 0: Everything.\n\nChannel 1: moving of things,\n\nChannel 0: Yes.\n\nChannel 1: the transaction, and things like that. Mhmm. Like, not\n\nChannel 0: And\n\nChannel 1: transaction\n\nChannel 0: it also\n\nChannel 1: fees,\n\nChannel 0: needs to\n\nChannel 1: but the, like, the ad the\n\nChannel 0: yes.\n\nChannel 1: the actual, like, nitty gritty process of\n\nChannel 0: Everything.\n\nChannel 1: moving things around.\n\nChannel 0: Yes.\n\nChannel 1: Yep.\n\nChannel 0: And\n\nChannel 1: Okay.\n\nChannel 0: it also means that you can call me whenever you want to for any specific questions even if you just wanna be like, hey. I'm looking at doing this, so I want to talk about this. The reason we do it this way as well is that we find that a lot more clients are more communicative than\n\nChannel 1: Mhmm.\n\nChannel 0: if we were to do it, let's say, the lawyer way where you just charge a yearly sometimes hourly fee. What tends to happen sometimes so you just charge for like, let's say, if you wanna book an appointment and talk about something, you obviously have to pay that consultation fee. What can happen with that is that clients decide not to contact if there is something that we could actually help them through because they don't wanna pay for it. So having\n\nChannel 1: Mhmm.\n\nChannel 0: the same flat fee for the year, so the same ongoing advice fee, means that you will also be more proactive. You are more inclined to give me a call if you have any questions, if there's anything you're looking at doing because there's no additional\n\nChannel 1: Mhmm.\n\nChannel 0: fees and charges whatsoever. So that means that we can stay on top of everything and make sure that everything are continued through aligning with you if things are changing. Because if, let's say, you were through you made redundant or change and you don't tell us anything, you know, that could impact things. That could impact the potentially some obviously, your super growth if you are off work for a very long period of time.\n\nChannel 1: Mhmm.\n\nChannel 0: If you guys buy another property, investment property, if you guys start a family, whatever it might be, that could change situation for you. So we want you to call us if something wanna happen. We can reassess everything and work together. But even sometimes, if people are like, oh, I wanna talk about this, or I want some cash on budgeting guidance, or I want this, you can call us whenever you\n\nChannel 1: Mhmm.\n\nChannel 0: want through, and there's no additional fees and charges. It's all\n\nChannel 1: Yeah.\n\nChannel 0: part of that ongoing management.\n\nChannel 1: And then you also mentioned so I think in on page 18, you have, like, the total cost percentage. Is that the like,\n\nChannel 0: Yes.\n\nChannel 1: you guys earn a percentage for how the profile the portfolio performs as well?\n\nChannel 0: Yes and no. No.\n\nChannel 1: Okay.\n\nChannel 0: Because we we don't charge a performance fee. So, obviously,\n\nChannel 1: Okay.\n\nChannel 0: some fund managers charge a performance fee. We don't. How the ongoing advice fee work is that it is a percentage of your super balance. Obviously,\n\nChannel 1: Mhmm.\n\nChannel 0: as your superannuation balance fluctuates,\n\nChannel 1: Mhmm.\n\nChannel 0: that dollar value can fluctuate. If it's a dip in the market and your super balance go down at the time, we'll get paid less. As the super balance continues to grow, it will obviously increase. So at the same time, it is that kind of mutually beneficial agreement that the more super you have, the more, obviously, we get paid at the same time. That it\n\nChannel 1: Mhmm.\n\nChannel 0: is not, like, a performance based, that it is based on your super balance.\n\nChannel 1: Mhmm. Mhmm. That's the\n\nChannel 0: Does\n\nChannel 1: adviser\n\nChannel 0: that make sense?\n\nChannel 1: service fee.\n\nChannel 0: Correct. Yes.\n\nChannel 1: Mhmm. Mhmm. Yep. Okay. So you get paid one fee, but the way that it's calculated is is a percentage based on the balance of the super.\n\nSo the\n\nChannel 0: Correct.\n\nChannel 1: yep. So the balance that like, that's the how you get the 2,463 number on that table\n\nChannel 0: Correct.\n\nChannel 1: there. Okay. Mhmm.\n\nChannel 0: Correct.\n\nChannel 1: Yep.\n\nChannel 0: And that can fluctuate a little bit depending on, obviously, your super balance. Now we normally display it as a yearly figure, but it is not a deductible yearly. It is charged on a monthly basis to make it more fair to you with the market fluctuations. But then also so it's not like you pay for twelve months and then you locked in. It is a monthly fee that comes out.\n\nChannel 1: That\n\nChannel 0: So\n\nChannel 1: makes\n\nChannel 0: you will\n\nChannel 1: sense.\n\nChannel 0: see it monthly come out. But for this, we show you that approximate yearly fee, but it is not like one off fee that comes out once a year. It is just like\n\nChannel 1: Mhmm.\n\nChannel 0: a monthly.\n\nChannel 1: Mhmm. Yeah. So it's like an average cost, like,\n\nChannel 0: Correct.\n\nChannel 1: kind of thing.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. I think that's kinda that that all makes sense. Yes. That\n\nChannel 0: Yeah.\n\nChannel 1: does.\n\nChannel 0: And it's all in the document as well, and we can go through it a little bit too because there's been a because, obviously, if you and Alan are both a client, there is a bit of a discount on the fees,\n\nChannel 1: Mhmm.\n\nChannel 0: which is great to make it a little bit more affordable for both of you. But I'll go through all of that with Alan as well\n\nChannel 1: Yep.\n\nChannel 0: next Wednesday. But you can also have a read through this document, like I said, before Wednesday if you have capacity to do\n\nChannel 1: Mhmm.\n\nChannel 0: that. If not, we'll go through everything together next Wednesday. And then following that, I'll still give you guys time to obviously read over anything, and we can go through any further questions after that as\n\nChannel 1: Mhmm. Yeah. I really, really appreciate\n\nChannel 0: well.\n\nChannel 1: this the the candid conversation, Veronica,\n\nChannel 0: Oh, good.\n\nChannel 1: and also, like, for sharing your knowledge. Like, obviously, I know\n\nChannel 0: Yeah.\n\nChannel 1: it's within your duties responsibility to do so,\n\nChannel 0: Yep.\n\nChannel 1: but also\n\nChannel 0: Yep.\n\nChannel 1: the way in which you give it, which is from a well, I I feel like there is a genuine want to, like, educate people on\n\nChannel 0: Yes.\n\nChannel 1: what you do and what is happening\n\nChannel 0: Yeah.\n\nChannel 1: and things like that. So I really do appreciate that.\n\nChannel 0: Oh, I'm glad. I'm really glad. And and and that's it. Like, I'm an employee of Oakview. I don't get paid commission.\n\nI don't get\n\nChannel 1: Yep.\n\nChannel 0: paid more or less if you and Allan decide to take the advice or not. That's not it. It's just\n\nChannel 1: Mhmm.\n\nChannel 0: a flat salary. So my job is to help educate you guys, do the best for you guys, but I don't get to incentivize in any way, shape, or form whatsoever\n\nChannel 1: Mhmm.\n\nChannel 0: depending on what you guys decide.\n\nChannel 1: Mhmm. Okay. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Mhmm. Okay. Thank you\n\nChannel 0: Well,\n\nChannel 1: for being\n\nChannel 0: thank\n\nChannel 1: transparent.\n\nChannel 0: you so much for your no. Of course. And that's you know, I'm I'm very much like you. I'm very I think we're quite similar. And at the end of the day, trust is a massive thing.\n\nTransparency is a massive thing. Communication is a massive thing. So and it's money. You know, you wanna have that true. Wanna have transparency.\n\nYou wanna have communication. You wanna have the trust. So I'm glad that you feel that way.\n\nChannel 1: Mhmm.\n\nChannel 0: That makes me really happy as well. So\n\nChannel 1: Yeah.\n\nChannel 0: I will let you go, get on with you today, Quinn,\n\nChannel 1: Yep.\n\nChannel 0: and I will call both of you next Wednesday at 08:30 to kind of continue everything, the\n\nChannel 1: Perfect.\n\nChannel 0: rest with the advice strategy for you.\n\nChannel 1: Yep. Thank you, Veronica. I'll I hope you have a lovely day.\n\nChannel 0: Yeah. You too, and enjoy your birthday, and\n\nChannel 1: Yeah.\n\nChannel 0: we'll\n\nChannel 1: Thank\n\nChannel 0: speak\n\nChannel 1: you.\n\nChannel 0: next Wednesday.\n\nChannel 1: Alright. Bye.\n\nChannel 0: No worries. Speak soon. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.39999998,"end":0.71999997,"sentiment":"neutral","sentiment_score":0.017900560051202774},{"text":"Quinn speaking.","start":0.71999997,"end":1.54,"sentiment":"neutral","sentiment_score":0.0187357934191823}],"sentiment":"neutral","sentiment_score":0.018457382296522457,"channel":1,"num_words":3,"start":0.39999998,"end":1.54},{"sentences":[{"text":"Good morning.","start":2.3999999,"end":2.8799999,"sentiment":"neutral","sentiment_score":0.19628836959600449},{"text":"Is this Quinn?","start":2.8799999,"end":3.78,"sentiment":"neutral","sentiment_score":0.0652502030134201}],"sentiment":"neutral","sentiment_score":0.11766546964645386,"channel":0,"num_words":5,"start":2.3999999,"end":3.78},{"sentences":[{"text":"Oh, Alan?","start":5.7599998,"end":7.54,"sentiment":"neutral","sentiment_score":0.008491502609103918},{"text":"Hello?","start":9.76,"end":10.26,"sentiment":"neutral","sentiment_score":0.009936001151800156}],"sentiment":"neutral","sentiment_score":0.008973002123335997,"channel":1,"num_words":3,"start":5.7599998,"end":10.26},{"sentences":[{"text":"Hello.","start":11.04,"end":11.5199995,"sentiment":"neutral","sentiment_score":0.009577369317412376},{"text":"Is this Quinn speaking?","start":11.5199995,"end":12.66,"sentiment":"neutral","sentiment_score":0.007137723616324365}],"sentiment":"neutral","sentiment_score":0.007625652756541967,"channel":0,"num_words":5,"start":11.04,"end":12.66},{"sentences":[{"text":"Yep.","start":12.96,"end":13.36,"sentiment":"neutral","sentiment_score":0.02555842325091362},{"text":"Quinn 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I obviously had you both booked in to go over your strategy recommendation together.","start":34.32,"end":39.3,"sentiment":"neutral","sentiment_score":0.18001297066609065},{"text":"Now is still a good time for both of 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you're","start":1452.94,"end":1454.0599,"sentiment":"positive","sentiment_score":0.34657806158065796}],"sentiment":"neutral","sentiment_score":0.2823148640719327,"channel":0,"num_words":22,"start":1449.195,"end":1454.0599},{"sentences":[{"text":"Mhmm.","start":1453.925,"end":1454.425,"sentiment":"neutral","sentiment_score":0.24259790778160095}],"sentiment":"neutral","sentiment_score":0.24259790778160095,"channel":1,"num_words":1,"start":1453.925,"end":1454.425},{"sentences":[{"text":"a lot better off, but you have that as well to go back on 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later.","start":1466.9199,"end":1471.995,"sentiment":"neutral","sentiment_score":0.07004953175783157},{"text":"So that's fine.","start":1471.995,"end":1473.195,"sentiment":"neutral","sentiment_score":0.24802598357200623}],"sentiment":"neutral","sentiment_score":0.09674599952995777,"channel":1,"num_words":20,"start":1466.9199,"end":1473.195},{"sentences":[{"text":"Yes.","start":1472.955,"end":1473.455,"sentiment":"neutral","sentiment_score":0.27715691924095154}],"sentiment":"neutral","sentiment_score":0.27715691924095154,"channel":0,"num_words":1,"start":1472.955,"end":1473.455},{"sentences":[{"text":"I think it's just","start":1473.195,"end":1474.155,"sentiment":"neutral","sentiment_score":0.2611899673938751}],"sentiment":"neutral","sentiment_score":0.2611899673938751,"channel":1,"num_words":4,"start":1473.195,"end":1474.155},{"sentences":[{"text":"Okay.","start":1473.755,"end":1474.255,"sentiment":"neutral","sentiment_score":0.20616744458675385}],"sentiment":"neutral","sentiment_score":0.20616744458675385,"channel":0,"num_words":1,"start":1473.755,"end":1474.255},{"sentences":[{"text":"yeah.","start":1474.235,"end":1474.475,"sentiment":"neutral","sentiment_score":0.14743468165397644},{"text":"Mhmm.","start":1474.475,"end":1474.975,"sentiment":"neutral","sentiment_score":0.07541102170944214}],"sentiment":"neutral","sentiment_score":0.11142285168170929,"channel":1,"num_words":2,"start":1474.235,"end":1474.975},{"sentences":[{"text":"The contrib yeah.","start":1475.115,"end":1475.915,"sentiment":"neutral","sentiment_score":0.06248757243156433},{"text":"The contributions is outlined in a separate strategy because they get a little bit more complex.","start":1475.915,"end":1480.01,"sentiment":"neutral","sentiment_score":0.07671298319473863},{"text":"So I will but this basically shows everything.","start":1480.01,"end":1482.83,"sentiment":"neutral","sentiment_score":0.12248917110264301},{"text":"So kind of the pages you scrolled over talks about the hub 20 four.","start":1483.2899,"end":1487.7899,"sentiment":"neutral","sentiment_score":0.1626925633421966},{"text":"It talks about the the benefits of the recommendation.","start":1487.9299,"end":1490.99,"sentiment":"positive","sentiment_score":0.33441054821014404}],"sentiment":"neutral","sentiment_score":0.15364349275827408,"channel":0,"num_words":50,"start":1475.115,"end":1490.99},{"sentences":[{"text":"So, obviously, you can see the the total return of the investment, putting in a better position, family linking, everything like that.","start":1491.45,"end":1498.6951,"sentiment":"positive","sentiment_score":0.45444799146868964},{"text":"Downside is, obviously, it is more expensive.","start":1498.995,"end":1501.5751,"sentiment":"negative","sentiment_score":-0.5029352584055492},{"text":"We do also have to roll over the fund.","start":1501.9551,"end":1504.035,"sentiment":"neutral","sentiment_score":-0.2565259337425232},{"text":"And during that process, obviously, there is a little bit of time where the invest the funds are not invested during the administration process time.","start":1504.035,"end":1513.66,"sentiment":"neutral","sentiment_score":-0.12408480852842331},{"text":"So it kind of talks about all of that so you have all the information.","start":1513.96,"end":1517.18,"sentiment":"neutral","sentiment_score":-0.03478024651606878}],"sentiment":"neutral","sentiment_score":0.006983996010743654,"channel":0,"num_words":78,"start":1491.45,"end":1517.18},{"sentences":[{"text":"And one of the risks is that there's always a level of risk associated with any investment option.","start":1517.56,"end":1523.435,"sentiment":"neutral","sentiment_score":-0.19687913192643058},{"text":"But that, again, is why we are wanting to use the five year rolling average when we are looking at historical returns for you.","start":1523.735,"end":1530.3151,"sentiment":"neutral","sentiment_score":0.046521770767867565}],"sentiment":"neutral","sentiment_score":-0.05779290181540307,"channel":0,"num_words":42,"start":1517.56,"end":1530.3151},{"sentences":[{"text":"Mhmm.","start":1530.6449,"end":1531.1449,"sentiment":"neutral","sentiment_score":0.06495318561792374}],"sentiment":"neutral","sentiment_score":0.06495318561792374,"channel":1,"num_words":1,"start":1530.6449,"end":1531.1449},{"sentences":[{"text":"Yep.","start":1531.8151,"end":1532.3151,"sentiment":"neutral","sentiment_score":0.1059008240699768},{"text":"Now if you scroll down for me down to page 19, you can then see it projected forward that five 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you.","start":1549.57,"end":1551.555,"sentiment":"neutral","sentiment_score":0.1659474472204844}],"sentiment":"neutral","sentiment_score":0.1256607554175637,"channel":0,"num_words":33,"start":1539.73,"end":1551.555},{"sentences":[{"text":"Mhmm.","start":1552.69,"end":1553.1699,"sentiment":"neutral","sentiment_score":0.0814439058303833},{"text":"Yep.","start":1553.1699,"end":1553.565,"sentiment":"neutral","sentiment_score":0.07963375747203827}],"sentiment":"neutral","sentiment_score":0.08053883165121078,"channel":1,"num_words":2,"start":1552.69,"end":1553.565},{"sentences":[{"text":"Yep.","start":1553.635,"end":1554.135,"sentiment":"neutral","sentiment_score":0.006590154487639666},{"text":"Now underneath it, I have been showing you a little bit more on the return so you can see it over a longer period of time.","start":1554.755,"end":1561.875,"sentiment":"neutral","sentiment_score":0.28293930624540037},{"text":"So I have done a twelve month period, three years, five years, and ten years 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far?","start":1577.375,"end":1578.595,"sentiment":"neutral","sentiment_score":0.2386712059378624}],"sentiment":"neutral","sentiment_score":0.2367737591266632,"channel":0,"num_words":5,"start":1576.3,"end":1578.595},{"sentences":[{"text":"Yep.","start":1578.8201,"end":1579.3,"sentiment":"neutral","sentiment_score":0.13484948873519895},{"text":"Mhmm.","start":1579.3,"end":1579.8,"sentiment":"neutral","sentiment_score":0.09662005305290222}],"sentiment":"neutral","sentiment_score":0.11573477089405058,"channel":1,"num_words":2,"start":1578.8201,"end":1579.8},{"sentences":[{"text":"Yep.","start":1579.855,"end":1580.355,"sentiment":"neutral","sentiment_score":0.13513515889644623},{"text":"Now what that looks like in terms of the investments I have recommended is page 20, if you can see 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public.","start":1626.25,"end":1634.855,"sentiment":"neutral","sentiment_score":0.058288659993559123},{"text":"So you don't know what it is.","start":1634.855,"end":1637.015,"sentiment":"neutral","sentiment_score":-0.01881387270987034},{"text":"We don't know what it is.","start":1637.015,"end":1638.215,"sentiment":"neutral","sentiment_score":-0.04924605476359526},{"text":"So there","start":1638.215,"end":1638.695,"sentiment":"neutral","sentiment_score":-0.014679284766316414}],"sentiment":"neutral","sentiment_score":0.0406852854991003,"channel":0,"num_words":68,"start":1618.89,"end":1638.695},{"sentences":[{"text":"Okay.","start":1638.66,"end":1639.16,"sentiment":"neutral","sentiment_score":-0.031655892729759216}],"sentiment":"neutral","sentiment_score":-0.031655892729759216,"channel":1,"num_words":1,"start":1638.66,"end":1639.16},{"sentences":[{"text":"could be things in there that you might not agree with or that you might like.","start":1638.695,"end":1643.115,"sentiment":"neutral","sentiment_score":-0.10662912344560027},{"text":"We just don't know what it is.","start":1643.175,"end":1644.535,"sentiment":"neutral","sentiment_score":-0.0839167269212859},{"text":"The only thing we know is that a 100% invested in one option.","start":1644.535,"end":1648.35,"sentiment":"neutral","sentiment_score":0.022564297971817162},{"text":"So it doesn't provide you with as much diversification or transparency with the","start":1648.91,"end":1654.4299,"sentiment":"neutral","sentiment_score":0.08973449067427562}],"sentiment":"neutral","sentiment_score":-0.017012220636314274,"channel":0,"num_words":49,"start":1638.695,"end":1654.4299},{"sentences":[{"text":"Yep.","start":1654.295,"end":1654.795,"sentiment":"neutral","sentiment_score":0.06891395896673203}],"sentiment":"neutral","sentiment_score":0.06891395896673203,"channel":1,"num_words":1,"start":1654.295,"end":1654.795},{"sentences":[{"text":"portfolio that we instead have compared in hub twenty four for you.","start":1654.4299,"end":1658.37,"sentiment":"neutral","sentiment_score":0.09360751354446013}],"sentiment":"neutral","sentiment_score":0.09360751354446013,"channel":0,"num_words":12,"start":1654.4299,"end":1658.37},{"sentences":[{"text":"Mhmm.","start":1658.3899,"end":1658.8899,"sentiment":"neutral","sentiment_score":0.06017640978097915}],"sentiment":"neutral","sentiment_score":0.06017640978097915,"channel":1,"num_words":1,"start":1658.3899,"end":1658.8899},{"sentences":[{"text":"Yep.","start":1659.7899,"end":1660.2899,"sentiment":"neutral","sentiment_score":0.09180566668510436},{"text":"Now with the investments as well, they are all public, so you can go and have a look at all of these investments and read exactly what is in each and every single one of these investments if you want to.","start":1660.605,"end":1671.025,"sentiment":"neutral","sentiment_score":0.17862987918097797},{"text":"But 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repaid.","start":1698.995,"end":1702.215,"sentiment":"neutral","sentiment_score":-0.08583336536373411},{"text":"But, essentially, how we put together our portfolio is that we use a core and satellite approach to investing.","start":1703.1549,"end":1709.65,"sentiment":"neutral","sentiment_score":0.17995355317467138},{"text":"Have you guys","start":1710.1901,"end":1710.67,"sentiment":"neutral","sentiment_score":0.06911573310693105}],"sentiment":"neutral","sentiment_score":0.16224541480187327,"channel":0,"num_words":64,"start":1688.4701,"end":1710.67},{"sentences":[{"text":"Okay.","start":1710.5599,"end":1711.0599,"sentiment":"neutral","sentiment_score":0.0299953855574131}],"sentiment":"neutral","sentiment_score":0.0299953855574131,"channel":1,"num_words":1,"start":1710.5599,"end":1711.0599},{"sentences":[{"text":"ever heard of that 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option.","start":1771.67,"end":1777.13,"sentiment":"neutral","sentiment_score":0.0508988829595702},{"text":"Okay?","start":1777.19,"end":1777.69,"sentiment":"neutral","sentiment_score":0.047306910157203674}],"sentiment":"neutral","sentiment_score":0.06928618228243243,"channel":0,"num_words":31,"start":1766.63,"end":1777.69},{"sentences":[{"text":"Mhmm.","start":1778.21,"end":1778.71,"sentiment":"neutral","sentiment_score":0.056467846035957336}],"sentiment":"neutral","sentiment_score":0.056467846035957336,"channel":1,"num_words":1,"start":1778.21,"end":1778.71},{"sentences":[{"text":"Yep.","start":1779.225,"end":1779.725,"sentiment":"neutral","sentiment_score":0.08122120797634125},{"text":"Now another one of those core investments is then the one just underneath it, which is the BetaShares Australia 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these","start":1819.0449,"end":1819.6849,"sentiment":"neutral","sentiment_score":0.18950443714857101}],"sentiment":"neutral","sentiment_score":0.15338540077209473,"channel":0,"num_words":15,"start":1813.445,"end":1819.6849},{"sentences":[{"text":"Mhmm.","start":1819.385,"end":1819.885,"sentiment":"neutral","sentiment_score":0.15141040086746216}],"sentiment":"neutral","sentiment_score":0.15141040086746216,"channel":1,"num_words":1,"start":1819.385,"end":1819.885},{"sentences":[{"text":"investments are a little bit more dynamic.","start":1819.6849,"end":1822.1849,"sentiment":"neutral","sentiment_score":0.11820308651242938},{"text":"They are a little bit more specialized investments that target specific regions, assets, or different sectors in order to kinda maximize that growth for 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you've listed out here with the Hub twenty four, is this one that's bespoke that's being picked by Oakview, or is this like","start":2035.1951,"end":2043.2001,"sentiment":"neutral","sentiment_score":0.11664518506990539}],"sentiment":"neutral","sentiment_score":0.11664518506990539,"channel":1,"num_words":27,"start":2035.1951,"end":2043.2001},{"sentences":[{"text":"Mhmm.","start":2042.8601,"end":2042.9401,"sentiment":"neutral","sentiment_score":0.07817134261131287},{"text":"Correct.","start":2042.9401,"end":2043.4401,"sentiment":"neutral","sentiment_score":0.1499104201793671}],"sentiment":"neutral","sentiment_score":0.11404088139533998,"channel":0,"num_words":2,"start":2042.8601,"end":2043.4401},{"sentences":[{"text":"a okay.","start":2043.2001,"end":2044.48,"sentiment":"neutral","sentiment_score":0.17299127578735352},{"text":"Alright.","start":2044.48,"end":2044.96,"sentiment":"neutral","sentiment_score":0.21833932399749756},{"text":"So 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different portfolios do you or if you manage with Hub twenty","start":2053.525,"end":2060.565,"sentiment":"neutral","sentiment_score":0.027755403394500413}],"sentiment":"neutral","sentiment_score":0.027755403394500413,"channel":1,"num_words":15,"start":2053.525,"end":2060.565},{"sentences":[{"text":"we","start":2060.395,"end":2060.635,"sentiment":"neutral","sentiment_score":0.04144636541604996}],"sentiment":"neutral","sentiment_score":0.04144636541604996,"channel":0,"num_words":1,"start":2060.395,"end":2060.635},{"sentences":[{"text":"four?","start":2060.565,"end":2061.065,"sentiment":"neutral","sentiment_score":0.03191252797842026}],"sentiment":"neutral","sentiment_score":0.03191252797842026,"channel":1,"num_words":1,"start":2060.565,"end":2061.065},{"sentences":[{"text":"we 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situation, what he's currently invested in right now is a little bit different to this portfolio, and that was also because at the time, that was what's going to be the best for him.","start":2107.555,"end":2117.73,"sentiment":"neutral","sentiment_score":0.06409301971526522},{"text":"And then, obviously, markets, nothing's ever changing, and we wanna be proactive with making that changes as everything change.","start":2117.73,"end":2125.83,"sentiment":"neutral","sentiment_score":0.27210727412449687},{"text":"Also, as your situation change, as your risk tolerance change as well, So we have a lot of different tailored portfolio.","start":2126.1301,"end":2133.435,"sentiment":"neutral","sentiment_score":0.16007090040615626}],"sentiment":"neutral","sentiment_score":0.11646627218833247,"channel":0,"num_words":103,"start":2097.94,"end":2133.435},{"sentences":[{"text":"Because the closer you guys get to retirement, you might wanna then start looking at reducing risk a little 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we will let you know and be proactive in making those changes.","start":2318.075,"end":2322.015,"sentiment":"neutral","sentiment_score":0.32901037002311034},{"text":"Or, for example,","start":2322.075,"end":2322.875,"sentiment":"neutral","sentiment_score":0.13719584544499716}],"sentiment":"neutral","sentiment_score":0.1893008378419009,"channel":0,"num_words":33,"start":2315.31,"end":2322.875},{"sentences":[{"text":"Okay.","start":2322.5,"end":2323.0,"sentiment":"neutral","sentiment_score":0.15939921140670776}],"sentiment":"neutral","sentiment_score":0.15939921140670776,"channel":1,"num_words":1,"start":2322.5,"end":2323.0},{"sentences":[{"text":"if something were to happen with your life situation or anything for both of you and you go, you know what?","start":2322.875,"end":2329.035,"sentiment":"neutral","sentiment_score":0.11621948863778796},{"text":"There is a lot of happening in the 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of a a trademark sometimes to some of those portfolio managers.","start":2535.53,"end":2539.39,"sentiment":"neutral","sentiment_score":-0.2713066509791783},{"text":"So this is so it is something that we are continuously we're always reviewing.","start":2539.93,"end":2543.63,"sentiment":"neutral","sentiment_score":-0.11963418019669396},{"text":"So we're always","start":2543.85,"end":2544.57,"sentiment":"neutral","sentiment_score":-0.03167597701152166}],"sentiment":"neutral","sentiment_score":-0.1796193408869928,"channel":0,"num_words":31,"start":2535.53,"end":2544.57},{"sentences":[{"text":"Okay.","start":2544.3901,"end":2544.8901,"sentiment":"neutral","sentiment_score":-0.1001891791820526}],"sentiment":"neutral","sentiment_score":-0.1001891791820526,"channel":1,"num_words":1,"start":2544.3901,"end":2544.8901},{"sentences":[{"text":"reviewing the repairs as well, but, obviously, that's a little bit riskier.","start":2544.57,"end":2547.615,"sentiment":"neutral","sentiment_score":-0.3172242244084676},{"text":"So depends","start":2547.855,"end":2548.335,"sentiment":"neutral","sentiment_score":-0.19903329014778137}],"sentiment":"neutral","sentiment_score":-0.30033980522836956,"channel":0,"num_words":14,"start":2544.57,"end":2548.335},{"sentences":[{"text":"Mhmm.","start":2548.23,"end":2548.73,"sentiment":"neutral","sentiment_score":-0.131300151348114}],"sentiment":"neutral","sentiment_score":-0.131300151348114,"channel":1,"num_words":1,"start":2548.23,"end":2548.73},{"sentences":[{"text":"on, again, the level of risk, different ETFs.","start":2548.335,"end":2551.155,"sentiment":"neutral","sentiment_score":-0.16580826230347157},{"text":"Because at the same time, we wanna make sure we keep the cost down.","start":2551.855,"end":2554.915,"sentiment":"neutral","sentiment_score":0.19389317716870988},{"text":"We don't want the fees to be too much.","start":2555.135,"end":2557.135,"sentiment":"neutral","sentiment_score":-0.04582453519105911},{"text":"We obviously wanna make sure it doesn't impact the returns.","start":2557.135,"end":2559.535,"sentiment":"neutral","sentiment_score":0.14240092113614083},{"text":"So we wanted","start":2559.535,"end":2560.335,"sentiment":"neutral","sentiment_score":0.292602002620697}],"sentiment":"neutral","sentiment_score":0.0744871087372303,"channel":0,"num_words":44,"start":2548.335,"end":2560.335},{"sentences":[{"text":"Mhmm.","start":2560.065,"end":2560.565,"sentiment":"neutral","sentiment_score":0.32272911071777344}],"sentiment":"neutral","sentiment_score":0.32272911071777344,"channel":1,"num_words":1,"start":2560.065,"end":2560.565},{"sentences":[{"text":"a balance of keeping the fees down, which ETFs are a fantastic way of doing that, give you 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doing it this way also gives us the the transparency to see exactly what's happening.","start":2609.9348,"end":2615.1548,"sentiment":"neutral","sentiment_score":0.26961392257362604}],"sentiment":"neutral","sentiment_score":0.2647002067636041,"channel":1,"num_words":17,"start":2608.4949,"end":2615.1548},{"sentences":[{"text":"Correct.","start":2614.94,"end":2615.44,"sentiment":"neutral","sentiment_score":0.17977219820022583}],"sentiment":"neutral","sentiment_score":0.17977219820022583,"channel":0,"num_words":1,"start":2614.94,"end":2615.44},{"sentences":[{"text":"Yep.","start":2615.775,"end":2616.03,"sentiment":"neutral","sentiment_score":0.1617565155029297}],"sentiment":"neutral","sentiment_score":0.1617565155029297,"channel":1,"num_words":1,"start":2615.775,"end":2616.03},{"sentences":[{"text":"Yes.","start":2615.82,"end":2616.3,"sentiment":"neutral","sentiment_score":0.1605466902256012},{"text":"And you with the with the investments or with the appendix, you can also see all those 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Quinn,","start":4123.71,"end":4127.01,"sentiment":"positive","sentiment_score":0.45257501710544934}],"sentiment":"positive","sentiment_score":0.45257501710544934,"channel":0,"num_words":11,"start":4123.71,"end":4127.01},{"sentences":[{"text":"Yep.","start":4127.17,"end":4127.67,"sentiment":"neutral","sentiment_score":0.28834933042526245}],"sentiment":"neutral","sentiment_score":0.28834933042526245,"channel":1,"num_words":1,"start":4127.17,"end":4127.67},{"sentences":[{"text":"and I will call both of you next Wednesday at 08:30 to kind of continue everything, the","start":4127.245,"end":4133.645,"sentiment":"neutral","sentiment_score":0.3019678575151107}],"sentiment":"neutral","sentiment_score":0.3019678575151107,"channel":0,"num_words":17,"start":4127.245,"end":4133.645},{"sentences":[{"text":"Perfect.","start":4133.5703,"end":4134.0703,"sentiment":"positive","sentiment_score":0.4024595022201538}],"sentiment":"positive","sentiment_score":0.4024595022201538,"channel":1,"num_words":1,"start":4133.5703,"end":4134.0703},{"sentences":[{"text":"rest with the advice strategy for you.","start":4133.645,"end":4135.665,"sentiment":"positive","sentiment_score":0.5418751112052372}],"sentiment":"positive","sentiment_score":0.5418751112052372,"channel":0,"num_words":7,"start":4133.645,"end":4135.665},{"sentences":[{"text":"Yep.","start":4135.17,"end":4135.67,"sentiment":"positive","sentiment_score":0.3699986934661865},{"text":"Thank you, Veronica.","start":4135.81,"end":4136.5303,"sentiment":"positive","sentiment_score":0.7710410952568054},{"text":"I'll I hope you have a lovely day.","start":4136.5303,"end":4138.23,"sentiment":"positive","sentiment_score":0.8194745779037476}],"sentiment":"positive","sentiment_score":0.7699098835388819,"channel":1,"num_words":12,"start":4135.17,"end":4138.23},{"sentences":[{"text":"Yeah.","start":4138.663,"end":4139.143,"sentiment":"positive","sentiment_score":0.47128403186798096},{"text":"You too, and enjoy your birthday, and","start":4139.143,"end":4140.823,"sentiment":"positive","sentiment_score":0.5640994012355804}],"sentiment":"positive","sentiment_score":0.5524974800646305,"channel":0,"num_words":8,"start":4138.663,"end":4140.823},{"sentences":[{"text":"Yeah.","start":4140.635,"end":4140.875,"sentiment":"neutral","sentiment_score":0.289482444524765}],"sentiment":"neutral","sentiment_score":0.289482444524765,"channel":1,"num_words":1,"start":4140.635,"end":4140.875},{"sentences":[{"text":"we'll","start":4140.823,"end":4141.063,"sentiment":"neutral","sentiment_score":0.2955312728881836}],"sentiment":"neutral","sentiment_score":0.2955312728881836,"channel":0,"num_words":1,"start":4140.823,"end":4141.063},{"sentences":[{"text":"Thank","start":4140.875,"end":4141.195,"sentiment":"positive","sentiment_score":0.3938561081886291}],"sentiment":"positive","sentiment_score":0.3938561081886291,"channel":1,"num_words":1,"start":4140.875,"end":4141.195},{"sentences":[{"text":"speak","start":4141.063,"end":4141.383,"sentiment":"positive","sentiment_score":0.5409829020500183}],"sentiment":"positive","sentiment_score":0.5409829020500183,"channel":0,"num_words":1,"start":4141.063,"end":4141.383},{"sentences":[{"text":"you.","start":4141.195,"end":4141.695,"sentiment":"positive","sentiment_score":0.3812432289123535}],"sentiment":"positive","sentiment_score":0.3812432289123535,"channel":1,"num_words":1,"start":4141.195,"end":4141.695},{"sentences":[{"text":"next Wednesday.","start":4141.383,"end":4142.123,"sentiment":"neutral","sentiment_score":0.14021678268909454}],"sentiment":"neutral","sentiment_score":0.14021678268909454,"channel":0,"num_words":2,"start":4141.383,"end":4142.123},{"sentences":[{"text":"Alright.","start":4142.315,"end":4142.815,"sentiment":"neutral","sentiment_score":0.18052779138088224},{"text":"Bye.","start":4142.955,"end":4143.455,"sentiment":"neutral","sentiment_score":0.1909601092338562}],"sentiment":"neutral","sentiment_score":0.18574395030736923,"channel":1,"num_words":2,"start":4142.315,"end":4143.455},{"sentences":[{"text":"No worries.","start":4143.783,"end":4144.423,"sentiment":"neutral","sentiment_score":0.15321539342403412},{"text":"Speak soon.","start":4144.423,"end":4145.143,"sentiment":"neutral","sentiment_score":0.14495937526226044},{"text":"Bye.","start":4145.143,"end":4145.643,"sentiment":"neutral","sentiment_score":-0.08100567758083344}],"sentiment":"neutral","sentiment_score":0.10306877195835114,"channel":0,"num_words":5,"start":4143.783,"end":4145.643}]},"summary":{"result":"success","short":"The Workview Financial representative provides advice on achieving goals and objectives, emphasizing the benefits of a limited advice, legal advice, changing the speaker's super, personal information and risk profile, and fees associated with each investment option. The importance of due diligence, caution, and risk management is emphasized, along with the need for continued trust and compliance measures in the industry. The service fee is a percentage of the speaker's super balance, not a monthly fee, and is not a deductible, and the follow-up is offered to provide more information and follow-up with the customer."},"intents":{"segments":[{"text":"This is Veronica from Workview Financial. How are you? Good.","start_word":19,"end_word":28,"intents":[{"intent":"Provide information","confidence_score":0.04987515}]},{"text":"Now before I do kind of jump into it, I do need to let you both know that the call is being recorded for quality and coaching purposes, if that's okay. Yeah.","start_word":100,"end_word":131,"intents":[{"intent":"Provide assistance","confidence_score":0.003005298}]},{"text":"And just to confirm I am speaking with the right person, just for security purposes, could I please get you both just to confirm your full name, date of birth, and address, please? Mhmm.","start_word":136,"end_word":169,"intents":[{"intent":"Confirm identity","confidence_score":0.67992}]},{"text":"wanna access it on one phone or computer and look it together, completely up to you guys. But it is Okay.","start_word":320,"end_word":340,"intents":[{"intent":"Access device","confidence_score":0.38462442}]},{"text":"So It might take a minute sometimes to load as well because it is quite a lot of documents. A lot of it Nope. is just compliance and research. So I won't go through everything because, otherwise, I'll keep you here all day. But I'll go through all the important information, and then I'll let you guys both obviously take some time afterwards and have a read through everything as well. Yep.","start_word":377,"end_word":448,"intents":[{"intent":"Share documents","confidence_score":0.0016063227},{"intent":"Schedule appointment","confidence_score":0.000050261355}]},{"text":"So I've put together this strategy for both of you that I believe are best going to achieve your goals and your objectives. But at the end of the day, though, they are just recommendations. It is completely up to you guys if you're not implement all of it, some of it, or none of it at the end of the day. Mhmm.","start_word":528,"end_word":590,"intents":[{"intent":"Understand strategy","confidence_score":0.03618876}]},{"text":"Now if at any point in time I'm going through anything too quickly or if you have any questions, just interrupt me and let me know. Okay? Yep.","start_word":642,"end_word":669,"intents":[{"intent":"Provide assistance","confidence_score":0.17271057}]},{"text":"Now, basically, what this means is the areas we are looking at in this statement of the device, but it does not mean that there's not other things we can't look at down the track.","start_word":935,"end_word":969,"intents":[{"intent":"Address concerns","confidence_score":0.008364529}]},{"text":"Same goes if you guys do wanna revisit any of your personal investments or look at other strategies down the track as well as everything is set Yep. up.","start_word":1160,"end_word":1188,"intents":[{"intent":"Describe plans","confidence_score":2.7132972e-7}]},{"text":"I don't Perfect. think we're I don't think we will be doing the spousal contributions for the supervisor. But, yeah, as you said, we can just take it or leave as much or as little as the advice as we want. 100%.","start_word":1470,"end_word":1511,"intents":[{"intent":"Discuss spousal contributions","confidence_score":0.057659272}]},{"text":"I will explain the difference Gotcha. because the contribution splitting just wasn't tax effective for you, Yeah. Yeah.","start_word":1537,"end_word":1554,"intents":[{"intent":"Explain tax benefits","confidence_score":0.13796139}]},{"text":"try to go through and I have actually three different contribution strategies for both of you today, so it is a lot. I'll go through it as as best as I can. And then like I said, everything is quite detailed in this document So Okay.","start_word":1650,"end_word":1695,"intents":[{"intent":"Discuss contribution strategies","confidence_score":0.36300308}]},{"text":"Now, essentially, if you can then scroll to page 11, it just shows your current situation. So you can see there, Alan, you have your super with hub twenty four at the moment. You do have Yep. some insurances with Tyler attached, which you can see underneath it. You can see your super balance, and then Queen, same for you. You have your super with Aware Super, and you don't have any insurance. Mhmm. Yep.","start_word":1725,"end_word":1799,"intents":[{"intent":"Scroll to page 11, Provide information","confidence_score":0.0139383385}]},{"text":"Did you have a question? Yeah. Yeah.","start_word":2560,"end_word":2566,"intents":[{"intent":"Answer inquiry","confidence_score":0.0000038968215}]},{"text":"Like, that's that's just your yearly the amount that we that's taken out of our super to pay to pay you. Right? Yes and no.","start_word":2889,"end_word":2913,"intents":[{"intent":"Clarify fee details","confidence_score":0.03284182}]},{"text":"Other fees is, like, sometimes they have transaction fees, and other hidden fees associated with the account, Mhmm.","start_word":3253,"end_word":3270,"intents":[{"intent":"Discuss fees","confidence_score":0.008859838}]},{"text":"Does that Okay. make sense? Yeah.","start_word":3324,"end_word":3329,"intents":[{"intent":"Confirm understanding","confidence_score":0.020318098},{"intent":"Confirm understanding","confidence_score":0.028548384}]},{"text":"Essentially, just for your reference, they have been around since about 2007, but they are also directly listed on the Australian Stock Exchange. And they do Yep. have it just under a 100 billions of dollars of funds under management. So, essentially, they are a massive conglomerate. They are Mhmm.","start_word":3351,"end_word":3400,"intents":[{"intent":"Describe super funds","confidence_score":0.017210707}]},{"text":"The purpose is Okay.","start_word":3465,"end_word":3468,"intents":[{"intent":"Discuss super funds' purpose","confidence_score":0.0017939898}]},{"text":"What really matters and what makes it different is what you can actually invest the money into within the fund itself. So it's not like Aware Super or Hub twenty four or Australian Super, any super funds really that gets those returns and make your money grow, it is the actual investment options within the fund itself that gets those returns for you. Does that make sense?","start_word":3500,"end_word":3566,"intents":[{"intent":"Discuss investment options","confidence_score":0.038489908}]},{"text":"something to be mindful of that the total cost is more than Aware Super. But if you also look at the return on the investment, so, again, using a five year rolling average, the recommended portfolio over the same time period has performed at 12.55%, which is a pretty big difference of 4.75% considering they are both high growth options. Does that make sense?","start_word":3701,"end_word":3764,"intents":[{"intent":"Analyze investment portfolio benefits","confidence_score":0.0019212624}]},{"text":"So kind of the pages you scrolled over talks about the hub 20 four. It talks about the the benefits of the recommendation.","start_word":4154,"end_word":4176,"intents":[{"intent":"Describe benefits of recommendation","confidence_score":0.002254224},{"intent":"Provide recommendations","confidence_score":0.0003985169}]},{"text":"So that obviously factors in the upfront advice fee that you saw came out, but also the ongoing advice fee. It factors in everything for you.","start_word":4328,"end_word":4353,"intents":[{"intent":"Explain role of advisory fee","confidence_score":0.00002849494}]},{"text":"So what I have recommended, it is a tailored portfolio within hub twenty four. Now, Alan, this is the same portfolio I have recommended that we change yours to as well. I will show you what that looks like, but in terms of the actual investments, it is exactly the same. Yep.","start_word":4452,"end_word":4503,"intents":[{"intent":"Analyze portfolio recommendations","confidence_score":0.1204013}]},{"text":"So you can just click on them, and that gives you all the information in regards to the investment.","start_word":4739,"end_word":4757,"intents":[{"intent":"Educate about investments","confidence_score":0.018337013}]},{"text":"They are a little bit more specialized investments that target specific regions, assets, or different sectors in order to kinda maximize that growth for you. Mhmm.","start_word":5111,"end_word":5136,"intents":[{"intent":"Maximize growth","confidence_score":0.89536923}]},{"text":"So for example, you can see that 6% is in the beta shares cybersecurity. Obviously, Okay. technology AI not going anywhere anytime soon, so there's a lot of opportunities in this space. But, again, because it is a satellite investment, we do only wanna allow that 6% allocated to this investment. Mhmm.","start_word":5164,"end_word":5215,"intents":[{"intent":"Access opportunities","confidence_score":0.0076945005}]},{"text":"Now another one is then your iShares Europe because we also wanna make sure that your portfolio for both of you is very diversified. We don't want everything in just The US or Australia. We wanna make sure it's well diversified across the globe. So if something Mhmm. would happen to one market as well, it is very diversified for you. So we have Okay.","start_word":5216,"end_word":5280,"intents":[{"intent":"Diversify portfolio","confidence_score":0.71283364},{"intent":"Diversify portfolio","confidence_score":0.32635993}]},{"text":"Now I know it's a I know it's a lot. So you can obviously go and have a read over everything. Mhmm.","start_word":5370,"end_word":5391,"intents":[{"intent":"Read about investments","confidence_score":0.036862846}]},{"text":"You also have 5% in Japan. There's a lot of opportunities in Japan as well. Again, wanna make sure we diversify across the globe for you, and that invest in broad and large mid sized companies in Japan. Mhmm.","start_word":5392,"end_word":5430,"intents":[{"intent":"Divert investments in countries","confidence_score":0.000042296993},{"intent":"Discover opportunities in japan","confidence_score":0.0013805748}]},{"text":"Again, wanna make sure we diversify across the globe for you, and that invest in broad and large mid sized companies in Japan. Mhmm.","start_word":5407,"end_word":5430,"intents":[{"intent":"Diversify investments","confidence_score":0.1077924}]},{"text":"the portfolio that you've you've listed out here with the Hub twenty four, is this one that's bespoke that's being picked by Oakview, or is this like Mhmm. Correct.","start_word":5673,"end_word":5701,"intents":[{"intent":"Evaluate portfolio strengths","confidence_score":0.053271566}]},{"text":"So even for Alan's situation, what he's currently invested in right now is a little bit different to this portfolio, and that was also because at the time, that was what's going to be the best for him.","start_word":5882,"end_word":5919,"intents":[{"intent":"Evaluate portfolio recommendations","confidence_score":0.008289918}]},{"text":"part of it could be so when we get to Alan's investment, you will see that I have recommended changing some. Some is actually keeping the investments, just changing the allocation to how much it is. Sometimes Okay.","start_word":6360,"end_word":6397,"intents":[{"intent":"Discuss investment recommendations","confidence_score":0.0028776012}]},{"text":"If something's going to happen, we will let you know and be proactive in making those changes. Or, for example, Okay.","start_word":6556,"end_word":6576,"intents":[{"intent":"Make decisions","confidence_score":0.010660607}]},{"text":"There is a lot of happening in the market. I don't feel comfortable with the level of risk. We can always change it. But we wanna obviously do the due diligence and the research because by chopping and changing investments, you also have to pay for transaction fees, and we also wanna factor in capital gains tax. So we obviously do that when we're factoring how we are going to change the investments for you. Okay.","start_word":6598,"end_word":6673,"intents":[{"intent":"Discuss investment decisions","confidence_score":0.0031089163}]},{"text":"Will it like, that can be if only that so the other question I had was so the makeup of this Mhmm.","start_word":6708,"end_word":6729,"intents":[{"intent":"Determine composition of the mhm","confidence_score":0.000018749897}]},{"text":"So, like, that's more of a I'm inviting comments on that Yes.","start_word":6832,"end_word":6843,"intents":[{"intent":"Invite comments","confidence_score":0.27984247}]},{"text":"I'm aware that in Australia, super regulation companies have have to operate under, like, a certain thing to kind of, like, prevent Correct.","start_word":6930,"end_word":6952,"intents":[{"intent":"Understand super regulation laws","confidence_score":0.000112520975}]},{"text":"Because at the same time, we wanna make sure we keep the cost down. We don't want the fees to be too much. We obviously wanna make sure it doesn't impact the returns. So we wanted Mhmm.","start_word":7257,"end_word":7293,"intents":[{"intent":"Maintain costs and ensure appropriate allocation","confidence_score":1.5285135e-8}]},{"text":"So doing it this way also gives us the the transparency to see exactly what's happening. Correct. Yep.","start_word":7430,"end_word":7447,"intents":[{"intent":"Maximize investment diversification and transparentness","confidence_score":0.00006723569}]},{"text":"And you with the with the investments or with the appendix, you can also see all those things. So you can actually go and see because it is public for you. Even Hub twenty four is a public listed company. Yep.","start_word":7449,"end_word":7489,"intents":[{"intent":"View investments and companies","confidence_score":0.015636144}]},{"text":"So with Aware Super, even though you're still invested, you don't have a test number. You don't have all of that because it's all within the super environment. The super trustee are then liable to make sure everything stays compliant, and they follow all the rules. Right.","start_word":7678,"end_word":7724,"intents":[{"intent":"Understand superfund operation","confidence_score":0.0019500804}]},{"text":"and all of this is is, like, regulated by by the government. 100 Right? percent.","start_word":8050,"end_word":8064,"intents":[{"intent":"Discuss super fund regulations","confidence_score":0.0037371283}]},{"text":"what they are then looking at doing now is then kind of paying back the customers that were affected by that, and that's obviously when the government and everything steps in.","start_word":8294,"end_word":8324,"intents":[{"intent":"Promote customer benefits","confidence_score":0.000035749486}]},{"text":"But the biggest thing is capital gains tax because Mhmm.","start_word":9003,"end_word":9012,"intents":[{"intent":"Discuss capital gains tax","confidence_score":0.124392845}]},{"text":"So in Alan's situation, this is where where his situation comes in, where I have them made a recommendation considering all of that of Yep. what is going to be the best. So we Okay.","start_word":9256,"end_word":9290,"intents":[{"intent":"Consider recommendations","confidence_score":0.077544},{"intent":"Provide recommendations","confidence_score":0.0020048986}]},{"text":"And so how does Alan know that you've done the thing that you said you've done? Like, the new Yes. Like, I have access to my Hub 24 account, and I see Yes. constant messages from Oakfield saying Yes. that they've made services in in that account. Yeah.","start_word":9374,"end_word":9421,"intents":[{"intent":"Resolve issues","confidence_score":0.008278781}]},{"text":"that you make the best informed decisions for you. And Mhmm.","start_word":10019,"end_word":10029,"intents":[{"intent":"Make informed decisions","confidence_score":0.008470707}]},{"text":"because usually, if things sound too good to be true, there's usually Mhmm. something suspicious going on. Yeah.","start_word":10108,"end_word":10125,"intents":[{"intent":"Address concerns","confidence_score":0.021799946}]},{"text":"Like, I don't wanna micromanage you, but, like, just make sure that, like, you're still acting a best interest because, Yeah.","start_word":10396,"end_word":10416,"intents":[{"intent":"Ensure company effectiveness","confidence_score":0.00036310602}]},{"text":"And how do we how do we essentially, I feel like if a company is transparent and has nothing to hide, like, I don't Mhmm. need to say the full story thing. Like, how do we make Yep. sure that, like, we're being reassured that, you know, Yes. our view itself is being managed well, that Doing the right thing. Yep.","start_word":10460,"end_word":10520,"intents":[{"intent":"Ensure company integrity","confidence_score":0.019392518},{"intent":"Communicate company vision","confidence_score":0.00018357202},{"intent":"Reassure company of transparency","confidence_score":0.0013497557}]},{"text":"Because, like, I guess one of the fundamental things is, like, businesses that Mhmm. are managed well and managed well with, like, good management and stuff is, like, will continue Yeah.","start_word":10522,"end_word":10552,"intents":[{"intent":"Continue business management","confidence_score":0.0010290392}]},{"text":"So how the legislation and stuff also work is that we can't just be like, let's say, you move overseas, don't tell Mhmm. us, or whatever it might be. We cannot keep charging fees.","start_word":10638,"end_word":10671,"intents":[{"intent":"Discuss legislation","confidence_score":0.023000501}]},{"text":"This isn't for me anymore. There's no lock in contract. There's no excess fees or anything like that.","start_word":10726,"end_word":10743,"intents":[{"intent":"End contract","confidence_score":0.003819461}]},{"text":"Well, what's happened in the last twelve months? How are things looking? Am I happy with the service? Am I happy with my returns? Am I happy with the investments?","start_word":10823,"end_word":10852,"intents":[{"intent":"Analyze financial performance","confidence_score":0.03500923}]},{"text":"like, a one yearly fee, but, essentially, it Yes. covers your, like, entire year Yes.","start_word":11103,"end_word":11117,"intents":[{"intent":"Discussing yearly fee","confidence_score":0.0041870754},{"intent":"Explaining fee structure","confidence_score":0.00021522063},{"intent":"Providing yearly fee","confidence_score":0.0048961653}]},{"text":"the transaction, and things like that.","start_word":11130,"end_word":11135,"intents":[{"intent":"Discussing transaction","confidence_score":0.07871595}]},{"text":"The reason we do it this way as well is that we find that a lot more clients are more communicative than Mhmm.","start_word":11204,"end_word":11226,"intents":[{"intent":"Expressing confidence in client approach","confidence_score":6.251176e-8}]},{"text":"the same flat fee for the year, so the same ongoing advice fee, means that you will also be more proactive. You are more inclined to give me a call if you have any questions, if there's anything you're looking at doing because there's no additional Mhmm. fees and charges whatsoever. So that means that we can stay on top of everything and make sure that everything are continued through aligning with you if things are changing.","start_word":11311,"end_word":11387,"intents":[{"intent":"Sharing company strategy","confidence_score":0.00000136862}]},{"text":"But even sometimes, if people are like, oh, I wanna talk about this, or I want some cash on budgeting guidance, or I want this, you can call us whenever you Mhmm. want through, and there's no additional fees and charges. It's all Yeah.","start_word":11477,"end_word":11520,"intents":[{"intent":"Highlight payment options","confidence_score":3.7747813e-7}]},{"text":"want through, and there's no additional fees and charges.","start_word":11509,"end_word":11517,"intents":[{"intent":"Clarify fees","confidence_score":0.0017899233}]},{"text":"you guys earn a percentage for how the profile the portfolio performs as well? Yes and no.","start_word":11550,"end_word":11566,"intents":[{"intent":"Discuss portfolio performance","confidence_score":0.22101787}]},{"text":"Because we we don't charge a performance fee. So, obviously, Okay.","start_word":11569,"end_word":11579,"intents":[{"intent":"Understand fee","confidence_score":0.014369632},{"intent":"Explain fee","confidence_score":0.06374947}]},{"text":"So the balance that like, that's the how you get the 2,463 number on that table Correct. there.","start_word":11739,"end_word":11756,"intents":[{"intent":"Confirm balance","confidence_score":0.034523103}]},{"text":"It is charged on a monthly basis to make it more fair to you with the market fluctuations.","start_word":11790,"end_word":11807,"intents":[{"intent":"Explain monthly payment","confidence_score":0.014185047}]},{"text":"So it's like an average cost, like, Correct. kind of thing. Yeah.","start_word":11877,"end_word":11888,"intents":[{"intent":"Explain cost difference","confidence_score":0.00011592008}]},{"text":"I really, really appreciate well. this the the candid conversation, Veronica, Oh, good. and also, like, for sharing your knowledge. Like, obviously, I know Yeah.","start_word":12035,"end_word":12059,"intents":[{"intent":"Share knowledge","confidence_score":0.020665228}]},{"text":"I don't get paid commission. I don't get Yep. paid more or less if you and Allan decide to take the advice or not. That's not it.","start_word":12134,"end_word":12160,"intents":[{"intent":"Discuss commission payment","confidence_score":0.009227919}]},{"text":"Thank Well, you for thank being you transparent. so much for your no. Of course. And that's you know, I'm I'm very much like you.","start_word":12208,"end_word":12232,"intents":[{"intent":"Acknowledge speaker's choice","confidence_score":2.535787e-7}]},{"text":"That makes me really happy as well. So Yeah.","start_word":12294,"end_word":12302,"intents":[{"intent":"Express satisfaction","confidence_score":0.02355872}]},{"text":"I will let you go, get on with you today, Quinn, Yep. and I will call both of you next Wednesday at 08:30 to kind of continue everything, the Perfect. rest with the advice strategy for you.","start_word":12303,"end_word":12339,"intents":[{"intent":"Advise speaker 2","confidence_score":0.00070707646}]},{"text":"I will let you go, get on with you today, Quinn, Yep. and I will call both of you next Wednesday at 08:30 to kind of continue everything, the Perfect. rest with the advice strategy for you. Yep.","start_word":12303,"end_word":12340,"intents":[{"intent":"Schedule appointment","confidence_score":0.000018358594}]},{"text":"Thank you, Veronica. I'll I hope you have a lovely day. Yeah. You too, and enjoy your birthday, and Yeah. we'll Thank speak you. next Wednesday.","start_word":12341,"end_word":12366,"intents":[{"intent":"Thank speaker","confidence_score":0.0045489133}]}]},"sentiments":{"segments":[{"text":"Hello. Quinn speaking. Good morning. Is this Quinn? Oh, Alan? Hello? Hello. Is this Quinn speaking? Yep. Quinn speaking. This is Veronica from Workview Financial. How are you?","start_word":0,"end_word":27,"sentiment":"neutral","sentiment_score":0.04624100401997566},{"text":"Good. Thanks.","start_word":28,"end_word":29,"sentiment":"positive","sentiment_score":0.4058132469654083},{"text":"I'm just grabbing Alan. Hello? Hi, Alan. How are you?","start_word":30,"end_word":39,"sentiment":"neutral","sentiment_score":0.14173054695129397},{"text":"Good. Thanks for asking. That's good.","start_word":40,"end_word":45,"sentiment":"positive","sentiment_score":0.5165495872497559},{"text":"How's your morning been? Been busy, or are you guys kind of just getting started? It just started. Yeah. Yeah. Yeah.","start_word":46,"end_word":66,"sentiment":"neutral","sentiment_score":0.07938480377197266},{"text":"Perfect.","start_word":67,"end_word":67,"sentiment":"positive","sentiment_score":0.3813481032848358},{"text":"Mhmm. Now I obviously had you both booked in to go over your strategy recommendation together. Now is still a good time for both of you? Yep. Yep. Perfect. Yep. Perfect. Mhmm. Now before I do kind of jump into it, I do need to let you both know that the call is being recorded for quality and coaching purposes, if that's okay. Yeah. Yep. Yep. Mhmm. Perfect. And just to confirm I am speaking with the right person, just for security purposes, could I please get you both just to confirm your full name, date of birth, and address, please? Mhmm. Yep. My name is Quinn Ho. Date of birth, twenty six zero six nineteen eighty nine. Address, Number 1 Longbourn Avenue, Notting Hill. Yep. Alan Ooi. Well, Alan Ethan Ooi. What was the name? 11/01/1988, and same address. Yep. Perfect. And do you have anything planned for your birthday, Quinn, coming up very shortly? Oh, yeah. Alan actually decided to organize a trip away. So we're heading to Ballarat with the cat. You have Oh, Oh, lovely. yeah.","start_word":68,"end_word":247,"sentiment":"neutral","sentiment_score":0.07446236163377762},{"text":"That is so good.","start_word":248,"end_word":251,"sentiment":"positive","sentiment_score":0.5167628526687622},{"text":"It's actually my birthday tomorrow, so we're very close together. Oh my goodness. That's Yeah.","start_word":252,"end_word":266,"sentiment":"neutral","sentiment_score":0.19912919402122495},{"text":"great.","start_word":267,"end_word":267,"sentiment":"positive","sentiment_score":0.3595861494541168},{"text":"It's like everything's happening in June, isn't it? Yeah. Now do you guys have access to your emails at the moment? Yes. Yep. Now I have sent you both a document. You will get one copy each. It is exactly the same document, though. So Okay. if you guys just Yep. wanna access it on one phone or computer and look it together, completely up to you guys. But it is Okay. the same one. Yep. Yep. Now let me know if that came through okay to you guys as well. I couldn't just load it here.","start_word":268,"end_word":364,"sentiment":"neutral","sentiment_score":0.12119299038937412},{"text":"I'm keeping Perfect. up. I've got it open on my phone.","start_word":365,"end_word":375,"sentiment":"positive","sentiment_score":0.4216605722904206},{"text":"Yep. So It might take a minute sometimes to load as well because it is quite a lot of documents. A lot of it Nope. is just compliance and research. So I won't go through everything because, otherwise, I'll keep you here all day. But I'll go through all the important information, and then I'll let you guys both obviously take some time afterwards and have a read through everything as well. Yep. And when you do get access to the emails, it will ask you to click the link where it says sign now, but it will allow you to open up and view everything first before it would prompt you to sign anything. Yep. Yep. And when it does load, you should have the first document saying statement of the device on the cover Yep. page. Yes.","start_word":376,"end_word":514,"sentiment":"neutral","sentiment_score":0.1236892119050026},{"text":"Perfect.","start_word":515,"end_word":515,"sentiment":"positive","sentiment_score":0.4319040179252625},{"text":"Mhmm. So you guys can both see that okay? Yep. Yep.","start_word":516,"end_word":526,"sentiment":"neutral","sentiment_score":0.1498434990644455},{"text":"Perfect. So I've put together this strategy for both of you that I believe are best going to achieve your goals and your objectives.","start_word":527,"end_word":550,"sentiment":"positive","sentiment_score":0.4213379621505738},{"text":"But at the end of the day, though, they are just recommendations. It is completely up to you guys if you're not implement all of it, some of it, or none of it at the end of the day. Mhmm. Now on the cover page here as well, you will see my details listed. You will see my authorized representative Mhmm. number as well, and I am licensed under HP Financial. And this advice here as well has been tailored specifically just for you guys as well. Mhmm. Yep. Yep.","start_word":551,"end_word":640,"sentiment":"neutral","sentiment_score":0.09458254277706146},{"text":"Perfect.","start_word":641,"end_word":641,"sentiment":"positive","sentiment_score":0.4257343113422394},{"text":"Now if at any point in time I'm going through anything too quickly or if you have any questions, just interrupt me and let me know. Okay? Yep. Now if you can scroll on the second page for me, it outlines the best interest duty. Can you see that? Mhmm. Yep. Yeah. Have either of you heard of this before? Yeah. I think I got this. Probably from last time. Well, when yeah. Basically. Yeah. Yeah. But, Bitcoin, basically, for your reference, what it means is that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the Okay. recommendation.","start_word":642,"end_word":765,"sentiment":"neutral","sentiment_score":0.06735342572773656},{"text":"Now if I don't act in your best interest, then I will lose my license. And if I lose my license, I will lose my job, and my husband at home won't be too happy with me.","start_word":766,"end_word":802,"sentiment":"negative","sentiment_score":-0.6274949908256531},{"text":"There's a lot in place to protect you guys, essentially. Mhmm. Yeah. Now it is also valid for sixty days as well. So you do have some time to have a read every over everything as well and decide what you want to do. If you do want more time, though, just let me know because I'll have to just reconfirm and update everything Mhmm. so it's still relevant. Okay? Yep. Now I'll ask you then scroll through the Yep. next page. Table of content, pretty self self explanatory. You can see that I are a few things, so I will try my best to make this as quickly as I can for you. Okay. Yep. Now on the next page, you should see scope of advice. Can you see that? Yep. Now, basically, what this means is the areas we are looking at in this statement of the device, but it does not mean that there's not other things we can't look at down the track. Simply today, though, we are looking at both of your superannuation to cross off on those goals. Also, investments within superannuation, so what you are currently invested in versus what I have recommended.","start_word":803,"end_word":1002,"sentiment":"neutral","sentiment_score":0.08723848313093185},{"text":"Different contribution strategies for both of you as well to make sure we can have everything as tax effective and optimized for both of you.","start_word":1003,"end_word":1027,"sentiment":"positive","sentiment_score":0.3572017252445221},{"text":"And then I have also just included some information in regards to estate planning as well just to make sure that's all set up correctly for both of you as well. Does that all make sense? Yep. Yep.","start_word":1028,"end_word":1065,"sentiment":"neutral","sentiment_score":0.2707606256008148},{"text":"Perfect.","start_word":1066,"end_word":1066,"sentiment":"positive","sentiment_score":0.540761411190033},{"text":"Now as you scroll through, you will then see a limited scope. It talks about insurances there for you, Alan. Not making any changes in regards to your insurances. It Yep. is just included here just so that you can see the impact your insurances has on the super recommendation, essentially. Yep. Yep. And then there are not considered. So for you, Quinn, not looking at insurances in this point. You're pretty self insured. But if that ever changes down the track and you want to look at it, just let us know. Same goes if you guys do wanna revisit any of your personal investments or look at other strategies down the track as well as everything is set Yep. up. Mhmm.","start_word":1067,"end_word":1189,"sentiment":"neutral","sentiment_score":0.023374546319246292},{"text":"We can definitely have a look at that for you as well.","start_word":1190,"end_word":1201,"sentiment":"positive","sentiment_score":0.41221997141838074},{"text":"Yep. Now if you can then scroll through page eight for me, you should see a heading where it says limited advice and are advised to you. Yep. Yep. Yep. So limited advice essentially just refers back to what I touched on, so scoping in and what we are scoping out. But I do also have to let you know that I'm not a legal practitioner.","start_word":1202,"end_word":1267,"sentiment":"neutral","sentiment_score":-0.010167374275624752},{"text":"I can't actually give you any legal advice.","start_word":1268,"end_word":1275,"sentiment":"negative","sentiment_score":-0.3811858892440796},{"text":"Can definitely give you guidance in regards to how to structure your beneficiaries for super and insurances, but I can't actually give you any legal advice.","start_word":1276,"end_word":1301,"sentiment":"neutral","sentiment_score":-0.1899094134569168},{"text":"So if that is something that you guys ever need, I would just have to refer you to a lawyer.","start_word":1302,"end_word":1321,"sentiment":"negative","sentiment_score":-0.35524868965148926},{"text":"Mhmm. Sure. Yep. Now underneath that, you can then see the actual strategies. So you can see that there are a fair few things I have recommended, but I will go through these in details as we go through them. Okay? Mhmm. Yep. Now if you can then scroll through. So, basically, the next two pages, it's just some personal information in regards to both of you just that we collected from the search line. If you can just have a quick read over that just to make sure that's all up to date or if I need to make any changes in the back end. Same just goes for the lifestyle assets and liability table as well. And that was obviously at the time we did FactFone. So, obviously, sometimes assets can vary and change a little bit, which is fine. Mhmm. Yeah. It looks alright. Yep. I don't Perfect. think we're I don't think we will be doing the spousal contributions for the supervisor. But, yeah, as you said, we can just take it or leave as much or as little as the advice as we want. 100%. Now I Yeah. have recommended a different type of spousal Oh, contribution, okay. not contribution splitting, which we spoke about last time. Okay. But Uh-huh. I will explain the difference Gotcha. because the contribution splitting just wasn't tax effective for you, Yeah. Yeah. Alan, but the also contribution was. So I have recommended it. Oh, Like okay. you said as well, it is a recommendation. You can then decide what parts you want to take or what parts you don't want to take at the end of the day. Okay. No. That makes Yeah. sense. I was Yeah. under assumption it was splitting. Sorry. Yeah. No. Yep. That's okay. And it does get quite contribution, it is it is great. There's so many different things you can do, but it also get quite complex. So I will Yep. try to go through and I have actually three different contribution strategies for both of you today, so it is a lot. I'll go through it as as best as I can. And then like I said, everything is quite detailed in this document So Okay. you Yep. guys can then go back later when there's not so much information overload and have a read over everything in detail as well. Yeah. Mhmm. Yep.","start_word":1322,"end_word":1723,"sentiment":"neutral","sentiment_score":0.07803545117526506},{"text":"Perfect.","start_word":1724,"end_word":1724,"sentiment":"positive","sentiment_score":0.42224618792533875},{"text":"Now, essentially, if you can then scroll to page 11, it just shows your current situation. So you can see there, Alan, you have your super with hub twenty four at the moment. You do have Yep. some insurances with Tyler attached, which you can see underneath it. You can see your super balance, and then Queen, same for you. You have your super with Aware Super, and you don't have any insurance. Mhmm. Yep. Yep. Now when it comes to page 12, it talks a little bit about your risk profile. Can you see that page? Yep. Yep. Mhmm. Yep.","start_word":1725,"end_word":1825,"sentiment":"neutral","sentiment_score":0.12814946955826023},{"text":"Perfect.","start_word":1826,"end_word":1826,"sentiment":"positive","sentiment_score":0.6203690767288208},{"text":"So when we did go through your risk profile questionnaire, so kind of those type of questions to see how you feel about fluctuations and everything in the market, You both came out very much the same as a high growth investor, and we did agree that a high growth portfolio is going to be the most appropriate for both of you. You both Mhmm. have plenty of time until retirement in order to take advantage of growing your superannuation as much as possible, and also for those short term fluctuations to come back around as well. Does Yep. that make sense? Mhmm. Yep. Yep.","start_word":1827,"end_word":1931,"sentiment":"neutral","sentiment_score":0.2941298484802246},{"text":"Perfect.","start_word":1932,"end_word":1932,"sentiment":"positive","sentiment_score":0.5847206115722656},{"text":"Now if you can then scroll down through page 14, it then starts about the first strategy, which is for you, Quinn, if you can see that. Yep. Yep. So what I have recommended for you when it comes to your superannuation is to change your super from Aware Super into Hub twenty four. Now Mhmm. you will have the best interest duty statement listed here, which is basically how that one acts in your best interest. As you scroll through, you will also see advantages, disadvantages, risks, and alternatives considered. I usually Okay. find the easiest way is if you can scroll down to page 18 for me. It basically summarizes everything in its table to make it a bit easier. Okay. So let me know if you can see Yep. page 18, and Mhmm. then I'll kind of talk on those points. So if Yep. we start here, you can see your current situation. You can see your current superannuation balance. You can also see what you are currently paying for in fees. Okay? Mhmm. Yep. So, currently, you are paying about 1,779 in fees per year, which is your admin fees, investment fees, and other fees associated with your Aware Super. Mhmm. Now you can also see there your your high growth return on your current investment. Yep.","start_word":1933,"end_word":2153,"sentiment":"neutral","sentiment_score":0.12812210619449615},{"text":"So over the last five years, the current portfolio that you are invested in in Aware Super has performed at an average rate of return of 7.8%.","start_word":2154,"end_word":2180,"sentiment":"positive","sentiment_score":0.5366430878639221},{"text":"Mhmm. Now if you scroll down one page, you can actually see that forecasted for five and ten years. So you can see the current column Mhmm. that's just forecasted for five and ten years for you. Okay? Yep. Now if Yep. you scroll back up to then page 18, you can then see what I have recommended. So what I have recommended is hub 24. So when I did make the recommendation, I kind of weighted up what was going to be the best for for you specifically, but then Mhmm. also factoring in Alan's situation as well. And Okay. after doing that, I did consider, hub twenty four. It is more a sophisticated platform. I'm not sure if you've ever looked at Allan's account before that is all set up or how it works. Yep.","start_word":2181,"end_word":2317,"sentiment":"neutral","sentiment_score":0.17360535264015198},{"text":"The good thing with Hub twenty four as well and how that kind of also played into role with Alan's situation is that they offer family linking. So, basically, what that means is that if you have two accounts so if you have, like, a a family with two accounts linked together, you can actually link them together to reduce your admin fee.","start_word":2318,"end_word":2380,"sentiment":"positive","sentiment_score":0.39795613288879395},{"text":"Because what Mhmm. they do is they then calculate on the total balance for both of you when they are charging the admin fee.","start_word":2381,"end_word":2404,"sentiment":"neutral","sentiment_score":0.2971014380455017},{"text":"So overall for both of you, it will make the cost a little bit cheaper, and that also made it a bit more effective than alternatives I considered for you. That was quite similar to hub twenty four in terms of flexibility when it came to investment choices.","start_word":2405,"end_word":2452,"sentiment":"positive","sentiment_score":0.4522295594215393},{"text":"But Mhmm.","start_word":2453,"end_word":2454,"sentiment":"neutral","sentiment_score":0.29727038741111755},{"text":"because of the family link in, it did reduce the total fees a little bit for you for both of you.","start_word":2455,"end_word":2475,"sentiment":"positive","sentiment_score":0.4165698289871216},{"text":"Mhmm. But also, Hub twenty four, they offer something that is called aggregate trading. Basically, what that means is they can place all the investments together with one transaction, which does reduce the transaction fees, capital gains tax when they are selling different investments.","start_word":2476,"end_word":2519,"sentiment":"neutral","sentiment_score":0.2891850769519806},{"text":"So, overall, that does reduce fees.","start_word":2520,"end_word":2525,"sentiment":"positive","sentiment_score":0.4544782042503357},{"text":"A lot of the other competitors don't offer that. So that kind of Yep. further reduces the fees overall. Does that make sense? Yeah. Mhmm. Yep.","start_word":2526,"end_word":2551,"sentiment":"neutral","sentiment_score":0.07025557183302365},{"text":"Perfect.","start_word":2552,"end_word":2552,"sentiment":"positive","sentiment_score":0.4606282711029053},{"text":"Which But I said sorry, sorry. Veronica. Did you have a question? Yeah. Yeah. Which which line number is is sort of affected by by those things that you you said? Is it the admin fees, investment fees? The Is it admin all admin fee. The fees? admin That's fee. all. Yeah. Yep. The admin fee. Because investment fees, they are just in regards to the individual investments. That doesn't really change with having multiple accounts because that's just a percentage of what you have invested in them. The admin fees is, like, usually your your flat fee or a percentage fee on your super balance. So Yep. as your super balance grows, sometimes that gets more, but that can then be aggregated into the family linking, which you will actually see when I go through your table. You can see the admin fee difference by having the linking. Yeah. Yeah. But it is a very good question. Yeah? Yep. Can I just ask so in the table on page 18 with Yes. the balance between current OSU brand hub being there's, like, a $55,000 difference in Mhmm. the balance? Yes. It's, like, some money lost on rollover. Not rollover, but it is the upfront advice fee if you decide to come on board. That's why that has been deducted. Yeah. Right. Okay. So, Yep. Yep. yeah, so all of these here factors in everything for for you to show you net of everything. So it factors in the upfront fee. You can also see the adviser fee included on the Hub twenty four side, not on your current because you're not paying for anything. Mhmm. So this kind of goes back to that best interest studio, making sure that when we are factoring in everything for you, you would still be in a better position.","start_word":2553,"end_word":2858,"sentiment":"neutral","sentiment_score":0.06536347419023514},{"text":"But that is a very good question.","start_word":2859,"end_word":2865,"sentiment":"positive","sentiment_score":0.4199469983577728},{"text":"It's not the rollover. It is the upfront advice fee. Mhmm. Yep. Yep. And then Verizon fee is an ongoing fee. Right? Like, that's that's just your yearly the amount that we that's taken out of our super to pay to pay you. Right? Yes and no. Sorry. The Okay. balance difference there for Quinn, that is just a one off fee. That would be the same with when you came on board, and that is just to implement everything. So, basically, Right.","start_word":2866,"end_word":2948,"sentiment":"neutral","sentiment_score":0.08383730202015624},{"text":"obviously, everything up until you decide to come on board is completely complimentary. It's completely free. So Mhmm. the implementation fee, it basically covers everything through implement your advice, put everything into place, open all your accounts, and doing everything for you. But, obviously, it also pays for then, obviously, my time, research team, and admin team. That Yep. is a one off advice fee. So if you decide to come on BoardQueen, you will never have to pay that one, upfront fee ever again. So with superannuation and any products, really, they are continuously ever changing.","start_word":2949,"end_word":3045,"sentiment":"positive","sentiment_score":0.42277559638023376},{"text":"There's new products and features that are coming out on the market. We Yep. are continuously doing research. So if I do research, let's say, in a couple of years and it turns out that there's a new competitor that is more competitive than Hub twenty four for you, and I put all the numbers together that shows you, well, okay, moving to this other Superfund is going to be better for you, You will not have to pay an upfront fee ever again. It is just to come on board. That's that's the 5,000 The that's 4 not 9. Correct. That that's okay. the difference of $4.09 $5.00. Yep. Yeah. Oh, the difference. What page is that? Sorry? Correct. So So this is that page is still 18. paid for 18? Okay. Yes. Yeah. So there's so with the the in the lump sum comparison, because there's a lot of different fees in here, which are the hub twenty four and which are infused fees? Yes. I think it's just Yes. Sorry. advising Hub. fees. Okay. Correct. That's right, Alan. So the admin fees is associated directly with the platform hub twenty four. Yep. Investment fees are paying for your investments. That's through hub twenty four. Other fees is, like, sometimes they have transaction fees, and other hidden fees associated with the account, Mhmm. but there's nothing there in Hub twenty four. Now the adviser service fee, is that what you would pay us? So that's what the one Alan touched on earlier, which Right. is Yep. an ongoing advice fee. That is the only fee that you pay us Mhmm. ongoing. Yep. Yep. Yep. Okay. Cool. Does that Okay. make sense? Yeah. It is. Yeah. Yep. Now have you ever heard of Hub twenty four before, Quinn? No. I have not. No. No. Essentially, just for your reference, they have been around since about 2007, but they are also directly listed on the Australian Stock Exchange. And they do Yep. have it just under a 100 billions of dollars of funds under management. So, essentially, they are a massive conglomerate. They are Mhmm. one of the quickest growing superannuation platforms out there.","start_word":3046,"end_word":3409,"sentiment":"neutral","sentiment_score":0.09582539576177414},{"text":"I do use it for my personal superannuation as well.","start_word":3410,"end_word":3419,"sentiment":"positive","sentiment_score":0.3750152885913849},{"text":"And they do have a lot of those kind of benefits associated with the account. But, essentially, though, it's just another super fund. There's literally hundreds of them out there. But also keep in mind that all super funds are pretty much the same thing. The purpose is Okay. that they are just the administration services that hold your money until you can access it. So until you turn 60, for example, and stop working, that's the function of it. What really matters and what makes it different is what you can actually invest the money into within the fund itself. So it's not like Aware Super or Hub twenty four or Australian Super, any super funds really that gets those returns and make your money grow, it is the actual investment options within the fund itself that gets those returns for you. Does that make sense? Mhmm. Yep. Yeah. So with Aware Super as well, when you did have a look at your investments, I know you did change yours to high growth as well. You would have seen that there was maybe ten, twenty different investment options that you could have picked from.","start_word":3420,"end_word":3614,"sentiment":"neutral","sentiment_score":0.11650040745735168},{"text":"With Hub twenty four, there's hundreds and hundreds of different investment choices all the way down to direct shares as well. And that's what makes it so competitive is how we can then construct your investment portfolio because of all those choices. Now you will see as well here that the cost is more with Hub 24 than with Aware Super, and it is because it is more of that sophisticated platform and allows us to do a lot more with your investments.","start_word":3615,"end_word":3697,"sentiment":"positive","sentiment_score":0.45420771837234497},{"text":"But, obviously, Okay. something to be mindful of that the total cost is more than Aware Super. But if you also look at the return on the investment, so, again, using a five year rolling average, the recommended portfolio over the same time period has performed at 12.55%, which is a pretty big difference of 4.75% considering they are both high growth options. Does that make sense? Mhmm. Yep. Yeah. Now the reason we do use a five year rolling average as well is that it gives us a better indication of how the market has performed as well as the portfolio. It's obviously something you can't guarantee what's going to happen with the market or with the investments. That is why we're using five year time frame instead of, Yep. for example, a twelve month. Depending on when we would have used a twelve month period, sometimes it would have shown that you would have looked like you won the lottery, whereas Mhmm. other years, it wouldn't have been as great. So that's why we are wanting to use a five year period of time and averaging that out to give you a little bit more certainty. Does that make sense? Yep. Yep. Now you can also see here, though, that on the recommended side, which also contributes is the different contribution strategies. So you can see the three different contributions. You can see the thousand dollars, the 500, and the 3,000. I will Yep. explain what that is for you. But, also, to give you a like for like comparison to show you without Okay. the additional contributions Mhmm. in the appendix. That will be your second attachment later. I have Okay. included a a like for like, assuming you do no extra contributions and only that from your employer that will or that that will kick Yep. in with the new changes, which is that $9.07 9. So I have then showed you a a kind of an apple for apple comparison Mhmm. to show you that as well in the appendix just so that you have all that information. It still shows that you're Mhmm. a lot better off, but you have that as well to go back on and Mhmm. have a look. Does that make sense? Yep. Yep. Now do you have any other questions in regards to anything on this table otherwise so far? I mean, as you said, like, my question would have been, you said we will explain later. So that's fine. Yes. I think it's just Okay. yeah. Mhmm. The contrib yeah. The contributions is outlined in a separate strategy because they get a little bit more complex. So I will but this basically shows everything. So kind of the pages you scrolled over talks about the hub 20 four.","start_word":3698,"end_word":4167,"sentiment":"neutral","sentiment_score":0.13519041189487943},{"text":"It talks about the the benefits of the recommendation. So, obviously, you can see the the total return of the investment, putting in a better position, family linking, everything like that.","start_word":4168,"end_word":4198,"sentiment":"positive","sentiment_score":0.4248989224433899},{"text":"Downside is, obviously, it is more expensive.","start_word":4199,"end_word":4205,"sentiment":"negative","sentiment_score":-0.471556156873703},{"text":"We do also have to roll over the fund. And during that process, obviously, there is a little bit of time where the invest the funds are not invested during the administration process time. So it kind of talks about all of that so you have all the information. And one of the risks is that there's always a level of risk associated with any investment option. But that, again, is why we are wanting to use the five year rolling average when we are looking at historical returns for you. Mhmm. Yep. Now if you scroll down for me down to page 19, you can then see it projected forward that five and ten Yep. years for the recommended side again. So that obviously factors in the upfront advice fee that you saw came out, but also the ongoing advice fee. It factors in everything for you. Mhmm. Yep. Yep. Now underneath it, I have been showing you a little bit more on the return so you can see it over a longer period of time. So I have done a twelve month period, three years, five years, and ten years to show Mhmm.","start_word":4206,"end_word":4400,"sentiment":"neutral","sentiment_score":0.06379310525476169},{"text":"you, and you can see across all time frames the recommended has still outperformed your current situation.","start_word":4401,"end_word":4417,"sentiment":"positive","sentiment_score":0.5291964411735535},{"text":"Mhmm. Okay. Yep. Makes sense so far? Yep. Mhmm. Yep. Now what that looks like in terms of the investments I have recommended is page 20, if you can see that. Yep.","start_word":4418,"end_word":4449,"sentiment":"neutral","sentiment_score":0.14555110037326813},{"text":"Yep. Perfect. So what I have recommended, it is a tailored portfolio within hub twenty four.","start_word":4450,"end_word":4465,"sentiment":"positive","sentiment_score":0.3830740749835968},{"text":"Now, Alan, this is the same portfolio I have recommended that we change yours to as well. I will show you what that looks like, but in terms of the actual investments, it is exactly the same. Yep. Okay. So you can obviously see here that in your Aware Super, you have a 100% invested in one option. Now Mhmm. what that one option is, it is a managed fund, so you do have a bit more investments than just one in there. But how it works is that it is a managed fund, so Aware Super are kind of deciding what goes in and out of that portfolio, but it's not public. So you don't know what it is. We don't know what it is. So there Okay. could be things in there that you might not agree with or that you might like. We just don't know what it is. The only thing we know is that a 100% invested in one option. So it doesn't provide you with as much diversification or transparency with the Yep. portfolio that we instead have compared in hub twenty four for you. Mhmm. Yep. Now with the investments as well, they are all public, so you can go and have a look at all of these investments and read exactly what is in each and every single one of these investments if you want to. But to Mhmm. make it easier in the appendix, so that's what the other comparison table was that I mentioned. I have also included investment links to make it easier for both of you for these Mhmm. investments. So you can just click on them, and that gives you all the information in regards to the investment.","start_word":4466,"end_word":4756,"sentiment":"neutral","sentiment_score":0.10866821616171152},{"text":"And you can actually see every Yep. single company invested in that as well, so it does give you that full transparency as well.","start_word":4757,"end_word":4780,"sentiment":"positive","sentiment_score":0.4089306592941284},{"text":"But, basically, how we put together our portfolio I'm sorry, Alan. You may have heard this before, so it might be a little bit repaid. But, essentially, how we put together our portfolio is that we use a core and satellite approach to investing. Have you guys Okay. ever heard of that before? No. No. Essentially, what it is is that we invest majority of this month in what we would call your core investments. Now Again.","start_word":4781,"end_word":4857,"sentiment":"neutral","sentiment_score":0.05341826379299164},{"text":"these represent the backbone of the portfolio and essentially are your passive index funds that have done really well in the past, and they are very diversified.","start_word":4858,"end_word":4884,"sentiment":"positive","sentiment_score":0.362172394990921},{"text":"Now what they are for both of your portfolio is that you can see the ones that has a higher percentage allocated. So for example, you can see the iShares S and P 500 as 35%. That is one of Mhmm. your core investments. You may have heard of that before. Yep. Yep. Essentially, what that one single investment is, though, it does the 500 largest companies listed in The US. So, obviously, Mhmm. very diversified within that one single investment. You Okay. do have companies like Apple, Microsoft, Amazon, all the big companies you would have heard of. So even though it's 35%, it is 500 companies invested in that one option. Okay? Mhmm. Yep. Now another one of those core investments is then the one just underneath it, which is the BetaShares Australia 200. That Mhmm. one here invests in the 200 largest companies listed in Australia on the ASX. So Mhmm. you'll have companies like Commonwealth, BHP, CSL, Woolworths, all the big companies in Australia. Yep. So, again, that forms part of your core investment.","start_word":4885,"end_word":5062,"sentiment":"neutral","sentiment_score":0.11411836743354796},{"text":"Now because both of you are then in a high growth portfolio, the goal is to maximize growth as much as possible.","start_word":5063,"end_word":5084,"sentiment":"positive","sentiment_score":0.37558943033218384},{"text":"So Okay. aside from the the core investments, you then have, like, your satellite investments. Now these Mhmm. investments are a little bit more dynamic. They are a little bit more specialized investments that target specific regions, assets, or different sectors in order to kinda maximize that growth for you. Mhmm. They can also be a little bit more volatile, and that is what they only represent a smaller portion of the portfolio. Does that make sense? Mhmm. Yep. So for example, you can see that 6% is in the beta shares cybersecurity. Obviously, Okay. technology AI not going anywhere anytime soon, so there's a lot of opportunities in this space. But, again, because it is a satellite investment, we do only wanna allow that 6% allocated to this investment. Mhmm. Now another one is then your iShares Europe because we also wanna make sure that your portfolio for both of you is very diversified. We don't want everything in just The US or Australia. We wanna make sure it's well diversified across the globe. So if something Mhmm. would happen to one market as well, it is very diversified for you. So we have Okay. 9% in iShares Europe, which does invest in a broad range of kind of large and mid sized European companies, predominantly from The UK, Germany, France, Switzerland. It is managed by BlackRock, which you may have heard of. They are one of the largest asset managers. And some of their kind of biggest holding in that one investment is, like, your Nestle, your Novo Nordisk, AstraZeneca, and Shell, which you may have heard of. Mhmm. Mhmm. Okay. Yep. Does that all make sense so far? Yep. Yep. Yep. Yeah. Now I know it's a I know it's a lot. So you can obviously go and have a read over everything. Mhmm. You also have 5% in Japan.","start_word":5085,"end_word":5397,"sentiment":"neutral","sentiment_score":0.1670841108591031},{"text":"There's a lot of opportunities in Japan as well.","start_word":5398,"end_word":5406,"sentiment":"positive","sentiment_score":0.33766651153564453},{"text":"Again, wanna make sure we diversify across the globe for you, and that invest in broad and large mid sized companies in Japan. Mhmm. Now we then have another one, 8% in Vanguard All World. You may have heard of Vanguard before. Yep. Mhmm. Yes. Now this one here invest in thousands of different companies all across the world, but it does exclude The US because you already have exposure to The US market in the iShares S and P 500. And we also wanna make sure you don't have too much in just that one sector. Okay? Yep. Mhmm. Yep. So, basically, invest in Asia, emerging markets, and some parts of Europe as well there for you. Mhmm. But then what we also want to do is we wanna make sure we have a little bit of that defensive component to Mhmm. your portfolio to stabilize those fluctuations as well. So we have 7% invested in gold for you. Now that is basically just a low cost investment option to access physical gold via the exchange trade Mhmm. the stock exchange.","start_word":5407,"end_word":5588,"sentiment":"neutral","sentiment_score":0.15695940064532415},{"text":"Obviously, Yep.","start_word":5589,"end_word":5590,"sentiment":"positive","sentiment_score":0.33705389499664307},{"text":"it avoids you having to stock gold bullion at home.","start_word":5591,"end_word":5600,"sentiment":"neutral","sentiment_score":0.24595491588115692},{"text":"So this is another just convenient way to having that kind of stabilized components to your portfolio.","start_word":5601,"end_word":5617,"sentiment":"positive","sentiment_score":0.4484013020992279},{"text":"And then we have Mhmm. 5% in fixed interest. Again, just kinda limit fluctuations a little bit, stabilize that portfolio, Mhmm.","start_word":5618,"end_word":5638,"sentiment":"neutral","sentiment_score":0.22813260555267337},{"text":"but the main focus is to maximize that growth.","start_word":5639,"end_word":5647,"sentiment":"positive","sentiment_score":0.42956581711769104},{"text":"Do either of you have any questions in regards to the investments? So I have a few questions if that's alright. Mhmm. So Of course. the portfolio that you've you've listed out here with the Hub twenty four, is this one that's bespoke that's being picked by Oakview, or is this like Mhmm. Correct. a okay. Alright. So Hub Yes.","start_word":5648,"end_word":5707,"sentiment":"neutral","sentiment_score":0.1253224015235901},{"text":"20 four gives you guys the the the opportunity to flexibility.","start_word":5708,"end_word":5718,"sentiment":"positive","sentiment_score":0.3543895184993744},{"text":"Okay. And then Correct. how often So have like, how how many different portfolios do you or if you manage with Hub twenty we four? we yeah. Sorry. Because we have 24, it allows us to do everything. So we have a lot of different investment portfolios that kind of evolved, obviously, through time. So, obviously, Okay. when we still started the company, you obviously had a different portfolio back then years ago. Things were obviously very different in the market. Like, cybersecurity Mhmm. probably wasn't as prominent and a lot of other investments, but the portfolios were very different. And then they kind of evolved with time as well as the market and everything is changing. It does depend how frequent we do it depends on what is going on in the world. So, obviously, during Okay. COVID, there was a lot more changes. It just depends on what's going on, but it is something that the investment committee are continuously reviewing. So even for Alan's situation, what he's currently invested in right now is a little bit different to this portfolio, and that was also because at the time, that was what's going to be the best for him. And then, obviously, markets, nothing's ever changing, and we wanna be proactive with making that changes as everything change. Also, as your situation change, as your risk tolerance change as well, So we have a lot of different tailored portfolio. Because the closer you guys get to retirement, you might wanna then start looking at reducing risk a little bit. So it's been changing different allocations and different investments depending on what is appropriate Okay. for you guys at this time. But, also, hub twenty four does give that option because I said there's hundreds of different options. So, basically, with hub twenty four, once you open an account, you can choose a 100 of different options. So we then Okay. are okay to tailor and put together the portfolio for you. We pick Mhmm. it, and then we set that up for your account. But at the same Okay. time, if you guys are very like, oh, I really wanna invest in this option, we still have that flexibility. So if you specifically tell me, oh, I don't like Europe. I don't want that. We Okay. can then change it. So it does does give us that flexibility. Or if you go, you know what? I really wanna invest in some kind of crypto. Not necessarily something I would recommend, but if you specifically go, I want this, it allows us the option to also tailor what is important to you guys. So it's not like a Okay. set and forget portfolio. It's not something that we invest and then see you later five years. Let's review it. It is something that we are continuously reviewing. And as Alan would note, that also forms part of the under review process. So during Okay. the under review, which is something we do, at a minimum every twelve months, we can do it more frequently depending on how much communication you guys want. But at a minimum every 12, we'll reassess, making sure the advice is still appropriate for you. Depending on what's happened in the world, the your life situation, if anything were to change, we then wanna make sure we tailor things to make sure it continues to be in your best interest and aligned with your views, but also what's going to be best for you moving forward. Yep. So when you change it, like, let's say, Mhmm. I'm sure what's happening is that on the yearly review, you change things. Yep. When things change, is it, like, selling some things and then acquiring other things? Is it, like, all going Potentially. forward Yes. So yeah. so Okay. part of it could be so when we get to Alan's investment, you will see that I have recommended changing some. Some is actually keeping the investments, just changing the allocation to how much it is. Sometimes Okay. it's just a matter of rebalancing the portfolio because, obviously, investments value change. So, obviously, Yep. as some investments grow in value, they can become over weighted. So what we then do during annual review is reassess, rebalance everything if it is appropriate. So rebalancing, changing some investments, buying some new ones, and changing out depending on what is going to be the best for you at the time. Again, going back to depending on what is going on. But it doesn't have to be at just under review time. So, obviously, the investment committee meet all the time. And if we could say, well, something like with COVID, for example, you obviously wanna be proactive. You don't wanna just leave things as well. So if there is something major that is going to happen, we're not gonna be like, oh, no. You're under review. It's not up yet. Let's wait and talk to you in ten months. If something's going to happen, we will let you know and be proactive in making those changes. Or, for example, Okay. if something were to happen with your life situation or anything for both of you and you go, you know what? There is a lot of happening in the market.","start_word":5719,"end_word":6606,"sentiment":"neutral","sentiment_score":0.10434435937251592},{"text":"I don't feel comfortable with the level of risk.","start_word":6607,"end_word":6615,"sentiment":"negative","sentiment_score":-0.4059457778930664},{"text":"We can always change it. But we wanna obviously do the due diligence and the research because by chopping and changing investments, you also have to pay for transaction fees, and we also wanna factor in capital gains tax. So we obviously do that when we're factoring how we are going to change the investments for you. Okay. Because that's a I mean, that's a different question I had about Mhmm. to ask later about with all of these, there is also, obviously, Mhmm. the the tax implications, the transaction speed. Yes. Will it like, that can be if only that so the other question I had was so the makeup of this Mhmm. Mhmm. so I think so firstly, like, what if you how if you manage it, which which we just discussed. Yep. The the I I had initial that I was thinking about. Oh, that's a with everything that's currently happening, there is a Mhmm. lot of exposure in this portfolio to The US market. And Mhmm. Mhmm. not that I'm saying it's wrong. I don't have the same level Mhmm. of research you have. And you putting 30% implies that your research in place that The US is still quite a stable and quite a strong market to stay in. Yep. Yes. So, like, that's more of a I'm inviting comments on that Yes. just to reassure that, Yes. like, that's my assumption, and that assumption is Yes. what is what you guys have determined Correct. with yeah. Correct. Yes. Well, I just caught it in my head because you can elaborate on this further. The only thing I Yeah. had in my head was when I was looking at this Mhmm. was okay. So you know how you said, like, Hub twenty four and Aware Super and Australian Union, all these companies are very similar. Like, I Mhmm. Mhmm. I'm aware that in Australia, super regulation companies have have to operate under, like, a certain thing to kind of, like, prevent Correct.","start_word":6616,"end_word":6952,"sentiment":"neutral","sentiment_score":0.03571734198255779},{"text":"losing of money of clients.","start_word":6953,"end_word":6957,"sentiment":"negative","sentiment_score":-0.446061372756958},{"text":"And, like, some of that is also related to, like, being underwritten by something. But I don't like, I don't know if you can just give, like, a a short, like, oh, yeah. Hub twenty four does the same thing. Because, obviously, Aware has, like, one giant fund, whereas Mhmm. Hub twenty four looks more like like, yeah, investments like investments, like your your Mhmm. standard, like, ETF investments. And so then Yes. how, like, does it have, like, I assume it does have the same underwritten thing and has to comply to Yes. avoid, Same like legislation. Same rules. Yes. Because yeah. it is a super fund, and they have to follow the CIS Act. That is the same for every super fund. So that is something that they have complied with. When it comes Mhmm. to the rules and legislation reporting, that is the same for any super fund. Now with hub twenty four, they do have managed funds as well that we consider, which is, like, similar to Aware Super. So there are heaps and heaps and heaps of different managed funds as well to choose from. Mhmm. But when looking at them and constructing the portfolio, a lot of them are a little bit more expensive because they have that kind of active and buying, selling different investments, but it doesn't give us the same kind of transparency with what is actually within the investment Okay. because, obviously, Mhmm. that is kind of a a trademark sometimes to some of those portfolio managers. So this is so it is something that we are continuously we're always reviewing. So we're always Okay.","start_word":6958,"end_word":7232,"sentiment":"neutral","sentiment_score":-0.04916352406144142},{"text":"reviewing the repairs as well, but, obviously, that's a little bit riskier.","start_word":7233,"end_word":7244,"sentiment":"negative","sentiment_score":-0.3440355956554413},{"text":"So depends Mhmm. on, again, the level of risk, different ETFs. Because at the same time, we wanna make sure we keep the cost down. We don't want the fees to be too much. We obviously wanna make sure it doesn't impact the returns. So we wanted Mhmm.","start_word":7245,"end_word":7292,"sentiment":"neutral","sentiment_score":0.07493949371079604},{"text":"a balance of keeping the fees down, which ETFs are a fantastic way of doing that, give you the Mhmm. diversification by also focusing on the returns.","start_word":7293,"end_word":7319,"sentiment":"positive","sentiment_score":0.5542762279510498},{"text":"So with the different super funds as well, because you don't have the same level of diversification, so if anything tend to tend to happen, it would be predominantly when it comes to the investments Mhmm. and how things are obviously invested. But as you can see with the hub twenty four, the portfolio we have now recommended for both of you, it is very diversified. So if, let's say, something were to happen short term with The US market, you're not having everything in that. So it's very diversified. Whereas with AwareSoup, you could have 90%. You could have 5%. We just don't know. Mhmm. Mhmm. Yep. Yep. Okay. So doing it this way also gives us the the transparency to see exactly what's happening. Correct. Yep. Yes. And you with the with the investments or with the appendix, you can also see all those things. So you can actually go and see because it is public for you. Even Hub twenty four is a public listed company. Yep. So Okay. you can actually Mhmm. go and see if you wanted to see all those 500 companies on the iShares S and P 500. You can go and look at what all those 500 is. It is all Mhmm. there for you to look at. Yeah. Mhmm. So when when we invest individually, we get given, like, a check number. Right? No. As in, Because like, it's a all within Uber. So it's not the same as your personal investments. I see. Okay. So Yes. so when it's in super, does that mean that our super has like, our super for investment purposes has a different, like, hidden number or something like that. Like, is its own entity? And so how Yes. does So you can see the the a so they in you say the a t I I code? You can see that listed, like the hack IEU. That's the Yeah. individual code for that. But it's very different to your personal investment where you need your test number. You need everything because it's individually in your name. This is just held in your super. So with Aware Super, even though you're still invested, you don't have a test number. You don't have all of that because it's all within the super environment. The super trustee are then liable to make sure everything stays compliant, and they follow all the rules. Right. Okay. So, essentially, Hub twenty four have, like, a giant pool of money of all the Oakview. It is it it's not Hub twenty four that has the money. Oh, they're the They're manage they're managing the Superfund. Right? Isn't like, actually, So hub a 20 more general question is hub well, sorry, Veronica. Just a more general question. yeah. Like, where Mhmm. is the money for our Superfund account actually held? Like, who who who Hub holds 24. that? Top 20 Hub four, twenty actually. four. Okay. So Oh, okay. Hub twenty four is is the platform. So it's the same with I'd like to sync your bank account. Like, Yeah. they they that's where your money sorry. We don't have it. So I can't be like, okay. I'll like, Oakview Mhmm. owns Mhmm. it. Yeah. It's within Hub twenty four. We Okay. manage As soon as I get how things are invested, yeah. but there's, Okay. like, Hub twenty four because there's, like, hundreds of billions of funds. So it's not like just Oakview specific. It's hundreds and hundreds of investors and Yeah. and wholesale investors invest in Hub twenty four. And and I guess So at, it's yeah. you know, at the end of the day, if how '24 goes on, though, or something like that, like, what happens to our money? Like, it's all backed by what's it all backed by? Correct. So Hub twenty four because they are giant. It's not if something were to happen to Hub twenty four, which would be very unlikely, but if you were to Mhmm. see Yeah. some other super funds, they obviously get acquired. So you would have potentially heard, like, Sunsuper, different investments within acquired by Australian Retirement Trust. They just buy buy super fund, and then members get transferred over through another super fund. Right. So that's basically But all this how it works. is But, again what was that? Sorry. and all of this is is, like, regulated by by the government. 100 Right? percent. Yes. Yeah. So So they have just to follow like any other. Yes. Yeah. Exactly. And and the same So thing it applies is there. to any super fund. Right? Like, any super fund Correct. might go under or whatever, and they're all Yes. backed by the government regulation, and other super Correct. funds can apply also. Yeah. Okay. Correct. Mhmm. Often when So something yeah. were to happen, it is more in regards to the investments as well. So you may have heard of, like, Shield Master Trust and kind of what happened with that. No. But No. yeah. Yeah. There was some issues, but that was with that specific investment option. Now Hub twenty four did not allow that single investment option on their platform. So they Right. obviously also have a lot of different rules to even allow an investment option to be available on that platform. For example, Yep. the Shield Master Trust, that investment was managed fund. That investment option was available with Macquarie and with Netwealth, for example, which you Mhmm. may have heard of Macquarie over to see massive.","start_word":7320,"end_word":8250,"sentiment":"neutral","sentiment_score":0.0031376166367217116},{"text":"So what happened is that that the Shield Master Trust collapsed.","start_word":8251,"end_word":8261,"sentiment":"negative","sentiment_score":-0.3461464047431946},{"text":"People had some money invested Yep. in that investment option. The whole super didn't collapse, but, obviously, if you had a 100% in Shieldmaster Trust, obviously, not as diversified. But Yep. what they are then looking at doing now is then kind of paying back the customers that were affected by that, and that's obviously when the government and everything steps in. But that was with one single investment option. Like I said, Hub twenty four did not approve or allow that option on the platform. So to even Yep. qualify to be a choice, if something were to happen, Hub twenty four will then take also their liability. They would then be responsible to pay back. So there's a lot of legislation and stuff in place to protect you guys. And like I said, I use Hub twenty four for my personal super as well. Yep. Okay. So when it comes to the protection, it would be same legislation, same rules that Aware Super has to follow, Mhmm. Australian Super has to follow, and Hub 24 has to follow as well.","start_word":8262,"end_word":8443,"sentiment":"neutral","sentiment_score":-0.004720066090697771},{"text":"Sounds good.","start_word":8444,"end_word":8445,"sentiment":"positive","sentiment_score":0.474006712436676},{"text":"Okay. Yeah. Does that make sense? Mhmm. Yeah. Yeah. No. It Yes. does. It's just more like I mean, in terms of the, like, Mhmm. the the what you just went through earlier about the the different diversifications and Mhmm. the original spine and spoke kind of like model, that looks, in terms Yep. of that, that looks fine to me, which is more of Yep. a kind of like, hey. Broader There thing. is 35% Yep. in The US. Obviously, there's a lot of stuff happening in The US at the moment. Yep. Yep. It doesn't mean that the their economy is on the verge of collapse or anything like that, but it's just something, like, to factor in, which I'm sure you Yeah. would have. Yeah. And also, again, that one option, it is 500 companies. Yeah. So it's not like, Mhmm. like, if something were to happen to, let's say, NVIDIA or something would happen, Yep. you don't have everything invested in that option. As Mhmm. another company grows and gets bigger, it gets added to the 500, something smaller comes out. You don't have to change your investments because you are just invested in the index tracking the largest 500. Yeah. But, obviously, everything going on in the world, everything with AI and everything like that that's happened, US Mhmm.","start_word":8446,"end_word":8669,"sentiment":"neutral","sentiment_score":0.07195140333247504},{"text":"is definitely the forefront of that. And doing all the research, US is definitely still a good market to be in for the future.","start_word":8670,"end_word":8693,"sentiment":"positive","sentiment_score":0.6353344321250916},{"text":"Now, obviously, Okay. for your investments, it is long term. You can't access it until you turn 60 at the Yep. earliest. So, obviously, Mhmm. it is very much like that. But at the same time, we don't want a 100% invested in there because there's always going to be some short term fluctuations even when there's an election happening. You see a little bit of fluctuations in the market. The short term is not something we're concerned about unless there are some big structural issues happening in a market where we then to see that we wanna leave it. For example, like, with China a little while ago and everything like that. If there's bigger things, then we wanna look at changing it. But in terms of opportunities, US is still very much a market that we foresee that there being a lot of long term growth opportunities, especially when you are looking at technology and AI and everything that's kind of evolving. They are very much the forefront of that. But that's not to say we wanna put everything there. Okay. Mhmm. Mhmm. Yep. Yep. That makes sense. But, again, as things change, if there's ever you never know what's going to happen in the world. If things change, we obviously reconsider the position. Mhmm. Yep. Yep. So then when when you change the position, like, Mhmm. there will like, every, you know, every time you make a movement in terms of ETFs, Yep. like, acquiring and moving, Mhmm. there's always transaction fees involved. Like, how does that Yes. happen? Yeah. How does that happen? So before we were to do it, which you will see more in Alan's situation, because Okay. that's what we are doing for him, you will see that we factor in transaction fees, Okay. but which aren't very they're very minimal.","start_word":8694,"end_word":9001,"sentiment":"neutral","sentiment_score":0.02221323922276497},{"text":"But the biggest thing is capital gains tax because Mhmm.","start_word":9002,"end_word":9011,"sentiment":"negative","sentiment_score":-0.3629191517829895},{"text":"of how the investments are. Obviously, when you are selling investments, if they have gone up, there will be capital gains same as if you're selling your personal investment or investment property or anything like that. Mhmm. There will Yep. be capital gains tax. Now it's not Yep. something you pay for personally because it's it's within superannuation, Yep. and it's not as much as you would have pay outside superannuation, but it is still a factor. So when Mhmm. we decide or recommend what we are going to do, we factor in all of that. So you will actually see for Alan's situation that there will be some capital gains tax with the recommendation, which Yep. I'll explain and go through. But then Okay. also factoring in we wanna minimize that as much as possible, but not to the detriment of just keeping you within an investment if long term that investment's going through kind of negate the capital gains tax. But it's something that we have to consider all of it. We can't just be like, okay. Well, you've earned this much in this super fund. You have a, you know, 20,000 capital gains tax. Let's just Okay. move you. No. Like, we have to factor in everything to be, like, what is going to be the best when it comes to the full disclosure of all fees. And Okay. that's when we were to do, like, a new statement of advice. So in Alan's situation, this is where where his situation comes in, where I have them made a recommendation considering all of that of Yep. what is going to be the best. So we Okay. can't just go to be like I can't just call you to be like, okay. Cool. I wanna change this investment. I have to present every time we do personalized tailored advice, we have to present everything in a statement of advice. Can be a little bit tedious, but you just make sure that you are fully informed of everything and that everything has been considered. You have to then sign off on that before we can actually proceed with it. Yep. Yep. And so how does Alan know that you've done the thing that you said you've done? Like, the new Yes. Like, I have access to my Hub 24 account, and I see Yes. constant messages from Oakfield saying Yes. that they've made services in in that account. Yeah. So yeah. Sorry if Yes. these questions come off as, like, No. questioning It's good.","start_word":9012,"end_word":9436,"sentiment":"neutral","sentiment_score":-0.0313312445055036},{"text":"the trust I or anything. like it because that means that you are onto it. And that's good because that I tells got me it.","start_word":9437,"end_word":9461,"sentiment":"positive","sentiment_score":0.5397353768348694},{"text":"also that you understand it and that you Yeah.","start_word":9462,"end_word":9470,"sentiment":"neutral","sentiment_score":0.2650667726993561},{"text":"have a good concept of it.","start_word":9471,"end_word":9476,"sentiment":"positive","sentiment_score":0.4672343134880066},{"text":"So I would rather So you ask me and not. Yeah. I do have to go to work at some point, and I feel Okay. like we're not gonna get through the rest of the document in five minutes. Should Sorry. Probably Should not. we Hello? reschedule something? Is that okay? Yes. Of course, we can. Yes. Now let me have a look because, yes, there is quite a lot more, especially when it comes to contributions that get quite technical. Mhmm. And I wanna make sure Mhmm. we address everything together. So when is another best time for you guys? What days did you say you worked next week? What day Alright. So let me have is a look. Yeah. going? So at the moment, I'm fully booked Monday, Tuesday. I have availability Wednesday. I have same time as today, Yeah. Yep.","start_word":9477,"end_word":9619,"sentiment":"neutral","sentiment_score":-0.012319672852754591},{"text":"That sounds good.","start_word":9620,"end_word":9622,"sentiment":"positive","sentiment_score":0.3869869112968445},{"text":"if that works. Yeah. Okay. Yep.","start_word":9623,"end_word":9628,"sentiment":"neutral","sentiment_score":0.21530091762542725},{"text":"Beautiful.","start_word":9629,"end_word":9629,"sentiment":"positive","sentiment_score":0.46585947275161743},{"text":"Now because we kind of already touched on investments for both of you, obviously, if you have any questions, let me know. But we can Yep. then tryna tryna go on to the other things. Again, once I've gone through everything, I will let you guys take your time to read over it. We can then book a follow-up. Yep. And then any other questions you have, we can definitely go through as well. But I don't wanna make Alan late to work, No. so No. That's okay. I will let let you both go as well. You can also have a read through these documents before now and Yep. next Wednesday if you want Yeah. to. Yeah. So Yeah. if you do have any other questions, let me know. Mhmm. And that way, we can hopefully save a little bit of time. Next time, there's still a few things I do wanna go through to make sure you fully understand everything, Yep. go and explain it. But everything is very detailed in the document as well. It gives you all the information Yep. so you guys can have a read over that. Alright. Yeah.","start_word":9630,"end_word":9824,"sentiment":"neutral","sentiment_score":0.1347974208685068},{"text":"Perfect. Thank you so much, guys, both of you.","start_word":9825,"end_word":9833,"sentiment":"positive","sentiment_score":0.7407515048980713},{"text":"I will let you go, and I will call you both back next Wednesday, July 1, which seems pretty crazy, at 08:30.","start_word":9834,"end_word":9855,"sentiment":"neutral","sentiment_score":0.20731987059116364},{"text":"I hope you have a lovely birthday, Quinn, and that you Thank enjoy you. your little getaway. Thank you so much for being so patient with us.","start_word":9856,"end_word":9882,"sentiment":"positive","sentiment_score":0.6535061001777649},{"text":"No. Really No worries. appreciate Like it. I said, I would rather you ask me the question than not and then be unsure about anything. So I would much Yeah. rather you ask any questions. It's just I'm just like oh, Alan's head off to work. That's fine. Okay. Bye, Alan. Yeah. It's just I'm just like I don't wanna just blindly trust things No. when And that you shouldn't. situation no. And I I don't want to because, like yeah. And it and I know it may come off as like, oh, you know, how can I trust you? But I think, like No. It's yeah. it's fair. It's fair. And it's really really valid. It's like, at the end of the day, it's your retirement. It's your savings, and you wanna make sure Yeah.","start_word":9883,"end_word":10018,"sentiment":"neutral","sentiment_score":0.01709863170981407},{"text":"that you make the best informed decisions for you.","start_word":10019,"end_word":10027,"sentiment":"positive","sentiment_score":0.3399432301521301},{"text":"And Mhmm. that's also what we are here to do as Mhmm. well. Yeah. I mean, I don't wanna I don't want us to end up in one of those documentaries in the future where it's like, No. these people had really, really good returns, and they just gave over all their money, and then now they're, like, screwed over for retirement. So this is just, like, Exactly. the use of that, like, all the dots connect that, like Yes. because usually, if things sound too good to be true, there's usually Mhmm.","start_word":10028,"end_word":10120,"sentiment":"neutral","sentiment_score":-0.06691156147468474},{"text":"something suspicious going on.","start_word":10121,"end_word":10124,"sentiment":"negative","sentiment_score":-0.3642352521419525},{"text":"Yeah. And it's That's good to pretty be much. conservative. It's good to be guarded and not just blindly trust everything. But there are there's a lot of legislation in place to protect you. There's a lot of legislation in pray in place and compliance Mhmm. for an adviser. It is very heavily regulated, specific specifically with ASIC, but there's also, Okay. like, a lot of internal dispute resolution system. So there's a lot of things in place to make sure that what I'm doing is right for you, that I have all the relevant qualifications and legislation and all the compliance that I'm bound by, that Oakview is bound by as the licensee, and that we always act in your best interest. So there's a lot Yeah. in place. There's a lot of red tape in the industry, Okay. which can be tedious from a paperwork point of view, but that Mhmm. is just in place to protect the customers at the end of the day. Oh, yeah. Absolutely. And I Yep. I don't mind, like, the rotations and things like that and checking the documents and stuff because I do have the attitude of, like, I'll check everything before I sign it. Yeah. Oh, I'm the same. I would Yeah. never sign anything. I even read five prints.","start_word":10125,"end_word":10344,"sentiment":"neutral","sentiment_score":0.08212228864431381},{"text":"So Yeah. that's good.","start_word":10345,"end_word":10348,"sentiment":"positive","sentiment_score":0.49844586849212646},{"text":"Yeah. And then I think also the other thing that I'm also constantly thinking of, just so that you understand, is, like, so even though after this conversation, like, there's trust established, but there's also, like like, how do we ongoingly make sure not make sure. Like, I don't wanna micromanage you, but, like, just make sure that, like, you're still acting a best interest because, Yeah. obviously, Yes. companies can be led with Mhmm. different people and, like, Yes. things can go wrong. So it's just about that Yep. also ongoing making sure that, like, the quality that we have now Yes. is still ongoing Continuing. in the future. Mhmm. And how do we how do we essentially, I feel like if a company is transparent and has nothing to hide, like, I don't Mhmm. need to say the full story thing.","start_word":10349,"end_word":10491,"sentiment":"neutral","sentiment_score":0.10296948545879415},{"text":"Like, how do we make Yep. sure that, like, we're being reassured that, you know, Yes. our view itself is being managed well, that Doing the right thing.","start_word":10492,"end_word":10519,"sentiment":"positive","sentiment_score":0.4996013045310974},{"text":"Yep. yeah. Because, like, I guess one of the fundamental things is, like, businesses that Mhmm.","start_word":10520,"end_word":10535,"sentiment":"neutral","sentiment_score":0.29550373554229736},{"text":"are managed well and managed well with, like, good management and stuff is, like, will continue Yeah. to perform well in the future.","start_word":10536,"end_word":10558,"sentiment":"positive","sentiment_score":0.436905175447464},{"text":"So, like, Yep. I don't want to be like, oh, I never saw it coming kind of thing. You Yes. know? Yeah. And and one of the things here, you can obviously go go on our website. You can read everything. Part of the document is that financial services guide, which shows you all the advisers. It shows you the directors. It shows everybody. Okay. But one of the the good thing as well is with the under review. So how the legislation and stuff also work is that we can't just be like, let's say, you move overseas, don't tell Mhmm. us, or whatever it might be. We cannot keep charging fees. Every twelve months, Okay. you legally have to sign a document to say that you are happy to stay on for the next twelve months. It is Okay. not a locking contract at any point in time. But even in any period of time during the twelve month, if you go to know what? This isn't for me anymore. There's no lock in contract. There's no excess fees or anything like that. But if you don't Mhmm. sign that twelve month agreement every single twelve months, we can't Mhmm. just keep charting fees. You have to say, okay.","start_word":10559,"end_word":10769,"sentiment":"neutral","sentiment_score":0.013728368515369451},{"text":"I am happy with the last twelve months.","start_word":10770,"end_word":10777,"sentiment":"positive","sentiment_score":0.5536891222000122},{"text":"During the under review, which, obviously, Alan can kind of go through from from the that point of view, is that we go actually through how your investments have performed, fees, Mhmm. where everything's at to give you that transparency so you can see, okay. Well, what's happened in the last twelve months? How are things looking? Am I happy with the service? Am I happy with my returns? Am I happy with the investments? Whatever is happening, you Mhmm. Yep. then say, okay.","start_word":10778,"end_word":10861,"sentiment":"neutral","sentiment_score":0.15900197625160217},{"text":"I'm happy to stay on for the next twelve months.","start_word":10862,"end_word":10871,"sentiment":"positive","sentiment_score":0.5256591439247131},{"text":"So Okay. it's not Yep. something that you commit to and then just off you go. It is Yeah. something that you are doing. But like I said, I also have some clients that wants quarterly catch ups, six monthly catch ups, monthly catch ups. At the end of the day, how I much can. how much communication you want with me and overview, it is up to you. Some people go twelve months is fine because, obviously, a lot can happen in twelve months, Mhmm. and that is fine. And every twelve months, we will send you the documents. Obviously, you have access to you have 24 where you can, like Allan said, see all the transactions, see the investments, keep a lookout on everything, all your individual investments, how they're performing. So it gives you that transparency. There's a lot of different reports features you can do. But, again, during under review, we give you a snapshot of the last twelve months and go through where everything's at, how Mhmm. things are sitting, go through returns, and everything like that. And you have to then say, okay.","start_word":10872,"end_word":11060,"sentiment":"neutral","sentiment_score":0.14908595383167267},{"text":"I'm still happy.","start_word":11061,"end_word":11063,"sentiment":"positive","sentiment_score":0.3970368802547455},{"text":"Let's sign another agreement and see where things go. Mhmm. Yeah. So the, like, the ongoing fee is because you're actively always doing work to Correct. do the assessment and things like that. You just consolidate into, Yes. like, a one yearly fee, but, essentially, it Yes. covers your, like, entire year Yes. of the work, the consultation Yes. time, the Everything. moving of things, Yes. the transaction, and things like that. Mhmm. Like, not And transaction it also fees, needs to but the, like, the ad the yes. the actual, like, nitty gritty process of Everything. moving things around. Yes. Yep. And Okay.","start_word":11064,"end_word":11167,"sentiment":"neutral","sentiment_score":0.08216178531830128},{"text":"it also means that you can call me whenever you want to for any specific questions even if you just wanna be like, hey.","start_word":11168,"end_word":11191,"sentiment":"positive","sentiment_score":0.3438977599143982},{"text":"I'm looking at doing this, so I want to talk about this.","start_word":11192,"end_word":11203,"sentiment":"neutral","sentiment_score":0.3046031594276428},{"text":"The reason we do it this way as well is that we find that a lot more clients are more communicative than Mhmm.","start_word":11204,"end_word":11226,"sentiment":"positive","sentiment_score":0.34853395819664},{"text":"if we were to do it, let's say, the lawyer way where you just charge a yearly sometimes hourly fee. What tends to happen sometimes so you just charge for like, let's say, if you wanna book an appointment and talk about something, you obviously have to pay that consultation fee. What can happen with that is that clients decide not to contact if there is something that we could actually help them through because they don't wanna pay for it. So having Mhmm.","start_word":11227,"end_word":11310,"sentiment":"neutral","sentiment_score":-0.050432395190000534},{"text":"the same flat fee for the year, so the same ongoing advice fee, means that you will also be more proactive. You are more inclined to give me a call if you have any questions, if there's anything you're looking at doing because there's no additional Mhmm.","start_word":11311,"end_word":11357,"sentiment":"positive","sentiment_score":0.4987603724002838},{"text":"fees and charges whatsoever.","start_word":11358,"end_word":11361,"sentiment":"neutral","sentiment_score":0.3129241466522217},{"text":"So that means that we can stay on top of everything and make sure that everything are continued through aligning with you if things are changing.","start_word":11362,"end_word":11387,"sentiment":"positive","sentiment_score":0.5430723428726196},{"text":"Because if, let's say, you were through you made redundant or change and you don't tell us anything, you know, that could impact things. That could impact the potentially some obviously, your super growth if you are off work for a very long period of time. Mhmm. If you guys buy another property, investment property, if you guys start a family, whatever it might be, that could change situation for you. So we want you to call us if something wanna happen. We can reassess everything and work together. But even sometimes, if people are like, oh, I wanna talk about this, or I want some cash on budgeting guidance, or I want this, you can call us whenever you Mhmm. want through, and there's no additional fees and charges.","start_word":11388,"end_word":11517,"sentiment":"neutral","sentiment_score":0.03634546548128128},{"text":"It's all Yeah. part of that ongoing management.","start_word":11518,"end_word":11525,"sentiment":"positive","sentiment_score":0.3725652694702149},{"text":"And then you also mentioned so I think in on page 18, you have, like, the total cost percentage. Is that the like, Yes. you guys earn a percentage for how the profile the portfolio performs as well? Yes and no. No. Okay. Because we we don't charge a performance fee. So, obviously, Okay. some fund managers charge a performance fee. We don't. How the ongoing advice fee work is that it is a percentage of your super balance. Obviously, Mhmm. as your superannuation balance fluctuates, Mhmm. that dollar value can fluctuate. If it's a dip in the market and your super balance go down at the time, we'll get paid less. As the super balance continues to grow, it will obviously increase.","start_word":11526,"end_word":11648,"sentiment":"neutral","sentiment_score":0.06660342216491699},{"text":"So at the same time, it is that kind of mutually beneficial agreement that the more super you have, the more, obviously, we get paid at the same time.","start_word":11649,"end_word":11677,"sentiment":"positive","sentiment_score":0.4161841869354248},{"text":"That it Mhmm. is not, like, a performance based, that it is based on your super balance. Mhmm. Mhmm. That's the Does adviser that make sense? service fee. Correct. Yes. Mhmm. Mhmm. Yep. Okay. So you get paid one fee, but the way that it's calculated is is a percentage based on the balance of the super. So the Correct. yep. So the balance that like, that's the how you get the 2,463 number on that table Correct. there. Okay. Mhmm. Correct. Yep. And that can fluctuate a little bit depending on, obviously, your super balance. Now we normally display it as a yearly figure, but it is not a deductible yearly. It is charged on a monthly basis to make it more fair to you with the market fluctuations. But then also so it's not like you pay for twelve months and then you locked in. It is a monthly fee that comes out. That So makes you will sense. see it monthly come out. But for this, we show you that approximate yearly fee, but it is not like one off fee that comes out once a year. It is just like Mhmm. a monthly. Mhmm. Yeah. So it's like an average cost, like, Correct. kind of thing. Yeah. Yeah. I think that's kinda that that all makes sense. Yes. That Yeah. does. And it's all in the document as well, and we can go through it a little bit too because there's been a because, obviously, if you and Alan are both a client, there is a bit of a discount on the fees, Mhmm.","start_word":11678,"end_word":11945,"sentiment":"neutral","sentiment_score":0.069302754004055},{"text":"which is great to make it a little bit more affordable for both of you.","start_word":11946,"end_word":11960,"sentiment":"positive","sentiment_score":0.4608849287033081},{"text":"But I'll go through all of that with Alan as well Yep. next Wednesday. But you can also have a read through this document, like I said, before Wednesday if you have capacity to do Mhmm. that. If not, we'll go through everything together next Wednesday. And then following that, I'll still give you guys time to obviously read over anything, and we can go through any further questions after that as Mhmm. Yeah.","start_word":11961,"end_word":12034,"sentiment":"neutral","sentiment_score":0.07599209994077682},{"text":"I really, really appreciate well. this the the candid conversation, Veronica, Oh, good. and also, like, for sharing your knowledge.","start_word":12035,"end_word":12054,"sentiment":"positive","sentiment_score":0.40852802991867065},{"text":"Like, obviously, I know Yeah. it's within your duties responsibility to do so, Yep. but also Yep.","start_word":12055,"end_word":12071,"sentiment":"neutral","sentiment_score":0.17612238228321075},{"text":"the way in which you give it, which is from a well, I I feel like there is a genuine want to, like, educate people on Yes.","start_word":12072,"end_word":12098,"sentiment":"positive","sentiment_score":0.36458620429039},{"text":"what you do and what is happening Yeah.","start_word":12099,"end_word":12106,"sentiment":"neutral","sentiment_score":0.2749885618686676},{"text":"and things like that. So I really do appreciate that. Oh, I'm glad. I'm really glad.","start_word":12107,"end_word":12122,"sentiment":"positive","sentiment_score":0.4663664996623993},{"text":"And and and that's it. Like, I'm an employee of Oakview. I don't get paid commission. I don't get Yep. paid more or less if you and Allan decide to take the advice or not. That's not it. It's just Mhmm. a flat salary. So my job is to help educate you guys, do the best for you guys, but I don't get to incentivize in any way, shape, or form whatsoever Mhmm. depending on what you guys decide. Mhmm. Okay. Yep. Yeah. Mhmm. Okay.","start_word":12123,"end_word":12207,"sentiment":"neutral","sentiment_score":0.0163783019518151},{"text":"Thank Well, you for thank being you transparent.","start_word":12208,"end_word":12215,"sentiment":"positive","sentiment_score":0.5737389922142029},{"text":"so much for your no. Of course.","start_word":12216,"end_word":12222,"sentiment":"neutral","sentiment_score":0.279685914516449},{"text":"And that's you know, I'm I'm very much like you. I'm very I think we're quite similar. And at the end of the day, trust is a massive thing. Transparency is a massive thing. Communication is a massive thing. So and it's money. You know, you wanna have that true. Wanna have transparency. You wanna have communication. You wanna have the trust. So I'm glad that you feel that way. Mhmm. That makes me really happy as well. So Yeah. I will let you go, get on with you today, Quinn, Yep.","start_word":12223,"end_word":12314,"sentiment":"positive","sentiment_score":0.4815743565559387},{"text":"and I will call both of you next Wednesday at 08:30 to kind of continue everything, the Perfect.","start_word":12315,"end_word":12332,"sentiment":"neutral","sentiment_score":0.31467539072036743},{"text":"rest with the advice strategy for you. Yep. Thank you, Veronica. I'll I hope you have a lovely day. Yeah. You too, and enjoy your birthday, and Yeah. we'll Thank speak you.","start_word":12333,"end_word":12364,"sentiment":"positive","sentiment_score":0.585382342338562},{"text":"next Wednesday. Alright. Bye. No worries. Speak soon. Bye.","start_word":12365,"end_word":12373,"sentiment":"neutral","sentiment_score":0.1676233410835266}],"average":{"sentiment":"neutral","sentiment_score":0.10551189151028316}}}}