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Before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Thank you. And, Steven, can I ask you to confirm your full name, date of birth, and address, please? Yep. Wonderful. Thank you for confirming that. I appreciate it. The purpose of my call today is to run through the advice following our recent annual review to look at implementing the changes. Do you have time to do that now? Yeah. Beautiful. I am just going to send you through an email that will have those attachments in there that we're gonna talk through. Do you have access to your emails at the moment? Yep. Yep. And you should receive something from myself or Odoo sign, and it would if you click on that, it's the same process that we do with the review. You just click on sign here to open up the documents. Yep. And that will bring up the document that we're that just contains the recommended changes that I'm gonna talk through with you, if that's okay. So do you have that open? Yep. Beautiful. Okay. Well, this is a statement of advice. So it just contains the information relevant to what we talked about in your review. The cover page is just explaining who I am, and I'm the person providing advice to you. And the second page covers off on our best interest duties, which basically summarize states that any advice I provide you has to be in your best interest and place you in, excuse me, a a better financial situation. You've got the table of contents there, and then the next one is the scope of advice. So what that means is that's what this document covers, the advice in this document. So we're going to look at reviewing your some of the investments within your superannuation fund that we talked about due to underperformance and other factors. And then I identified that you should look at establishing a will and a power of attorney. So I've included that in this document for you also. What what's the next page says what's not in our scope of advice for this document is your retirement planning goals. So given that you're eleven years away, it's a bit early to start focusing on those goals presently, like tracking how you're doing going towards it. But we are over the next couple of reviews, in the next couple of years, we're still we that's where we'll start focusing on the retirement planning goals. The next page just explains that it this advice is limited if any of the information has not been provided to us is current or correct. Letting you know that I'm not a solicitor, so I can't draft wills or powers of attorney. And anything general insurance related like home and car for insurance, I can't give advice on. The next couple of pages with the about you section, that's the information that we confirmed in our review. So in relation to your employment, your income, your assets, and liabilities. And then the following page, page eight is your risk profile. So, during our most recent review, we talked through your current growth risk profile, and you agreed that that's something that you would like to maintain. So that's an 80% sorry. 80% allocation to growth assets and a 20% allocation to defensive assets. Do you recall that? Fantastic. I just like to refresh just to make sure. Page 10 is where the recommendations actually begin. So there this is probably the crux of the document. I've recommended that you retain your hub twenty four, for your hub twenty 4 account, but we're gonna look at replacing the Bennelong investment, which was the underperforming asset with beta with the beta shares BetaShares Australian ETF and also replace the bank hybrid option with an with what we call what is called an iShares composite bond. So the the Bannalong was an Australian share investment, so is the replacement beta shares, and the bank hybrids was a defensive fixed interest type asset. The iShares is the same, but it's a you've got access to government and corporate bonds instead of bank bonds. So there's a little bit of a change there and just gives you a little bit of more diversification. The recommended port. So the the changes that we have recommended will save you a little bit each during fees. So it's actual the investment fees are actually lower, which is a great win. And there will also be no capital gains tax within the super fund from selling the Bennelong and the hybrid investments to replace with the new ones. So and that's mainly because of the underperformance with Bennelong. The disadvantages, which we always point out is that there's no guarantee with port the with any recommended portfolios that they're going to outperform. They you know, with investments that hold and wait. We with your the changing of the investments, so the selling of Bannalong and the selling of the hybrids, there will be some brokerage fee incurred. It's sits at point 11%, so it's minimal brokerage, which is why we do actually go with hub twenty four because they're the ones that are cheapest in the market. We did I did consider a couple of other investment options. They were discounted because if I did proceed down those path, it would actually mean that you would realize a capital gains tax in your super fund of nearly $3,900, which is not optimal at all. Because I looked at another platform, MyNorth. But, again, as I mentioned Hub 24. So that's why we didn't go down that path. Page 14 goes over a fee comparison. So you've got your current now that's costing you approximately $5,674 per year. The recommended one is gonna cost you $5,338 for per year. So it's an investment saving sorry. A fee saving of about $335 a year. So it's better in your funds than the investment manager's pocket. And then the table below that is a projected balance. So what we do is we project out a five year and a ten year. And if you can see over the ten years, the recommended portfolio is estimated to outperform and give you a better performance of approximately $69,000 just due to and that's based on historical performance and also conservative figures that we use. So the recommended portfolio, we believe, will will pay place you in a better position. Page 15 just shows you the annualized returns for your current portfolio versus the recommended one. You'll see that it outperforms in most areas overall. And then the next page, it is a table showing you the investments that you presently have as well as the ones that we're going to change. So anything in red, we are selling, and then anything in black, we are purchasing. So you'll notice that we are selling some of the other investments within your portfolio. So for example, we're selling down a little bit of the global battery tech and lithium. That's because you're a little bit over weight in that compared to what we would ideally want you in. So we're we're doing what we call a rebalance at the same time. So we're gonna rebalance your portfolio back to a high growth investor. Because what happens over time is with portfolio growth, those growth assets become inflated. So you may start with a 80% allocation, but due to gross over a couple of years, that may then start to look at 90%, for example, of your portfolio. So by rebalancing, we're bringing it back down to the eighty twenty split. Does that make sense? Yep. Okay. So page 18 is the asset allocation. It it compares your existing versus the proposed, and you'll see that that rebalancing effect in there. So we're upping a little bit of an exposure to Australian equities, decreasing a bit of the exposure to us international, and bringing the total overall growth allocation down to 79% when it was sitting at about 81. And your defensive portfolio bumping that up a little bit to 21% as opposed to sitting at 19, what is it previously was? Any questions for clients that are approaching retirement, but not quite needing that very detailed retirement income calculations at the moment. Based on our conversation, you said in retirement, you'd need about 2,200 a fortnight. And this shows us how, at the moment, where you're sitting, how you're tracking. So at the age of 67, you'll see the blue represents age pension based on your current personal financial situation. So, again, things could change down the track. So this is just a very basic indication. And the green indicates your superannuation. So in order to reach that 2,200 per week in income, would look at some Centrelink age pension and then top up the difference between your superannuation with your superannuation running out at between age 91 and 92. Does that make sense? Yep. So you're tracking well to reaching your retirement goals, and we just gotta keep that that's what that tells us. We're just gonna keep going and doing what we're doing. And as you're at the annual reviews, just identify any other areas where we can ensure that you're gonna reach those goals. The next the next page is a recommendation to establish a power of attorney. I think we spoke briefly about that when in our review. It just allows you to nominate a trusted individual or individual individual or individual individual oh my gosh. It's Friday. I'm so sorry. To make decisions on your behalf if you're unable to. So I I guess, a common example would be if you're diagnosed with dementia, someone would be able to make financial and health decisions on your behalf. That needs to be done through a lawyer, or you can use state trustees to do that. And in some states, you can even download the document off the Internet and complete it yourself. The next page just outlines your ongoing services, which you you already have access to. So you'll always get your review as per your frequency request. We're available at any time to discuss changes in circumstances or if you need to seek additional advice. So you're not just limited to your and your reviews and in order to to seek advice. The next page just covers up on some important info. So just to summarize, you have cooling off rights, which if you wanted to change any of the investments, you'd have fourteen days to do so. With the product disclosure statements that have been provided in this document, they're important to refer to if you have any questions. And then the final page is well, not the final, but heading towards the end. The next page is the ongoing remuneration. So that's that annual fee that we talked about in our review. Just repeat it again in here. So it's not additional for the annual review. It's the same one, but we have to incorporate it in the documents so that our clients can make fully informed decisions. The next page is the authority to proceed. So it just refers to what page numbers those advice, the change of super and the power of attorney are on, and, again, a summary of the remuneration and how to implement the advice. The second last page is where you would sign if you want to proceed. There's a space in there for you to type in anything if you do not wish to proceed with the advice. And the last page is my the adviser declaration. So that's about me that I declare that I've given you this advice, and that's a complete record of the advice that I've given to you and so on. The next document is the appendix to the statement of advice. It includes an overview of the different risk profiles that we use at Oakview Financial. It also explains important relationships. So the contents of the SOA is based on the information you've provided to us. The SOA is valid for sixty days. After that time, we need to redo it because that is based on the fact that people's financial situation is likely to have changed in that period of time or personal situation. There's no product guarantee, so we cannot guarantee performance of investments. We just work with you to make sure that we're reviewing it regularly at our meetings. Tax advice, I'm not able to provide tax advice outside of anything that's applicable to super. And the following page is a link to the investment PDFs for all the underlying investment funds that you hold we've recommended that you hold in your hub twenty four super funds. So if you have trouble sleeping, click one of those, and you'll fall asleep pretty quick. And then the last page is explains how our methodology in generating investment returns. Any questions? No. You're all good. So, yeah, that's that's basically it from my end. If you're happy to make those changes to your investment for your superannuation investment funds, I just need you to sign that document, and we can get that underway for you. Oh. Perfect. Beautiful. Alright, Steven. Any any other anything else that you need from me at this time? No. Oh, lovely. Alright. Well, I hope you enjoy your weekend, and and I look forward to speaking to you again soon. Thanks. Thank you. Enjoy. 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Steven. It's Jenniferning here from Oakview Financial. How are you today? That's good. Before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes.\n\nIs that okay? Thank you. And, Steven, can I ask you to confirm your full name, date of birth, and address, please? Yep. Wonderful.\n\nThank you for confirming that. I appreciate it. The purpose of my call today is to run through the advice following our recent annual review to look at implementing the changes. Do you have time to do that now? Yeah.\n\nBeautiful. I am just going to send you through an email that will have those attachments in there that we're gonna talk through. Do you have access to your emails at the moment? Yep. Yep.\n\nAnd you should receive something from myself or Odoo sign, and it would if you click on that, it's the same process that we do with the review. You just click on sign here to open up the documents. Yep. And that will bring up the document that we're that just contains the recommended changes that I'm gonna talk through with you, if that's okay. So do you have that open?\n\nYep. Beautiful. Okay. Well, this is a statement of advice. So it just contains the information relevant to what we talked about in your review.\n\nThe cover page is just explaining who I am, and I'm the person providing advice to you. And the second page covers off on our best interest duties, which basically summarize states that any advice I provide you has to be in your best interest and place you in, excuse me, a a better financial situation. You've got the table of contents there, and then the next one is the scope of advice. So what that means is that's what this document covers, the advice in this document. So we're going to look at reviewing your some of the investments within your superannuation fund that we talked about due to underperformance and other factors.\n\nAnd then I identified that you should look at establishing a will and a power of attorney. So I've included that in this document for you also. What what's the next page says what's not in our scope of advice for this document is your retirement planning goals. So given that you're eleven years away, it's a bit early to start focusing on those goals presently, like tracking how you're doing going towards it. But we are over the next couple of reviews, in the next couple of years, we're still we that's where we'll start focusing on the retirement planning goals.\n\nThe next page just explains that it this advice is limited if any of the information has not been provided to us is current or correct. Letting you know that I'm not a solicitor, so I can't draft wills or powers of attorney. And anything general insurance related like home and car for insurance, I can't give advice on. The next couple of pages with the about you section, that's the information that we confirmed in our review. So in relation to your employment, your income, your assets, and liabilities.\n\nAnd then the following page, page eight is your risk profile. So, during our most recent review, we talked through your current growth risk profile, and you agreed that that's something that you would like to maintain. So that's an 80% sorry. 80% allocation to growth assets and a 20% allocation to defensive assets. Do you recall that?\n\nFantastic. I just like to refresh just to make sure. Page 10 is where the recommendations actually begin. So there this is probably the crux of the document. I've recommended that you retain your hub twenty four, for your hub twenty 4 account, but we're gonna look at replacing the Bennelong investment, which was the underperforming asset with beta with the beta shares BetaShares Australian ETF and also replace the bank hybrid option with an with what we call what is called an iShares composite bond.\n\nSo the the Bannalong was an Australian share investment, so is the replacement beta shares, and the bank hybrids was a defensive fixed interest type asset. The iShares is the same, but it's a you've got access to government and corporate bonds instead of bank bonds. So there's a little bit of a change there and just gives you a little bit of more diversification. The recommended port. So the the changes that we have recommended will save you a little bit each during fees.\n\nSo it's actual the investment fees are actually lower, which is a great win. And there will also be no capital gains tax within the super fund from selling the Bennelong and the hybrid investments to replace with the new ones. So and that's mainly because of the underperformance with Bennelong. The disadvantages, which we always point out is that there's no guarantee with port the with any recommended portfolios that they're going to outperform. They you know, with investments that hold and wait.\n\nWe with your the changing of the investments, so the selling of Bannalong and the selling of the hybrids, there will be some brokerage fee incurred. It's sits at point 11%, so it's minimal brokerage, which is why we do actually go with hub twenty four because they're the ones that are cheapest in the market. We did I did consider a couple of other investment options. They were discounted because if I did proceed down those path, it would actually mean that you would realize a capital gains tax in your super fund of nearly $3,900, which is not optimal at all. Because I looked at another platform, MyNorth.\n\nBut, again, as I mentioned Hub 24. So that's why we didn't go down that path. Page 14 goes over a fee comparison. So you've got your current now that's costing you approximately $5,674 per year. The recommended one is gonna cost you $5,338 for per year.\n\nSo it's an investment saving sorry. A fee saving of about $335 a year. So it's better in your funds than the investment manager's pocket. And then the table below that is a projected balance. So what we do is we project out a five year and a ten year.\n\nAnd if you can see over the ten years, the recommended portfolio is estimated to outperform and give you a better performance of approximately $69,000 just due to and that's based on historical performance and also conservative figures that we use. So the recommended portfolio, we believe, will will pay place you in a better position. Page 15 just shows you the annualized returns for your current portfolio versus the recommended one. You'll see that it outperforms in most areas overall. And then the next page, it is a table showing you the investments that you presently have as well as the ones that we're going to change.\n\nSo anything in red, we are selling, and then anything in black, we are purchasing. So you'll notice that we are selling some of the other investments within your portfolio. So for example, we're selling down a little bit of the global battery tech and lithium. That's because you're a little bit over weight in that compared to what we would ideally want you in. So we're we're doing what we call a rebalance at the same time.\n\nSo we're gonna rebalance your portfolio back to a high growth investor. Because what happens over time is with portfolio growth, those growth assets become inflated. So you may start with a 80% allocation, but due to gross over a couple of years, that may then start to look at 90%, for example, of your portfolio. So by rebalancing, we're bringing it back down to the eighty twenty split. Does that make sense?\n\nYep. Okay. So page 18 is the asset allocation. It it compares your existing versus the proposed, and you'll see that that rebalancing effect in there. So we're upping a little bit of an exposure to Australian equities, decreasing a bit of the exposure to us international, and bringing the total overall growth allocation down to 79% when it was sitting at about 81.\n\nAnd your defensive portfolio bumping that up a little bit to 21% as opposed to sitting at 19, what is it previously was? Any questions for clients that are approaching retirement, but not quite needing that very detailed retirement income calculations at the moment. Based on our conversation, you said in retirement, you'd need about 2,200 a fortnight. And this shows us how, at the moment, where you're sitting, how you're tracking. So at the age of 67, you'll see the blue represents age pension based on your current personal financial situation.\n\nSo, again, things could change down the track. So this is just a very basic indication. And the green indicates your superannuation. So in order to reach that 2,200 per week in income, would look at some Centrelink age pension and then top up the difference between your superannuation with your superannuation running out at between age 91 and 92. Does that make sense?\n\nYep. So you're tracking well to reaching your retirement goals, and we just gotta keep that that's what that tells us. We're just gonna keep going and doing what we're doing. And as you're at the annual reviews, just identify any other areas where we can ensure that you're gonna reach those goals. The next the next page is a recommendation to establish a power of attorney.\n\nI think we spoke briefly about that when in our review. It just allows you to nominate a trusted individual or individual individual or individual individual oh my gosh. It's Friday. I'm so sorry. To make decisions on your behalf if you're unable to.\n\nSo I I guess, a common example would be if you're diagnosed with dementia, someone would be able to make financial and health decisions on your behalf. That needs to be done through a lawyer, or you can use state trustees to do that. And in some states, you can even download the document off the Internet and complete it yourself. The next page just outlines your ongoing services, which you you already have access to. So you'll always get your review as per your frequency request.\n\nWe're available at any time to discuss changes in circumstances or if you need to seek additional advice. So you're not just limited to your and your reviews and in order to to seek advice. The next page just covers up on some important info. So just to summarize, you have cooling off rights, which if you wanted to change any of the investments, you'd have fourteen days to do so. With the product disclosure statements that have been provided in this document, they're important to refer to if you have any questions.\n\nAnd then the final page is well, not the final, but heading towards the end. The next page is the ongoing remuneration. So that's that annual fee that we talked about in our review. Just repeat it again in here. So it's not additional for the annual review.\n\nIt's the same one, but we have to incorporate it in the documents so that our clients can make fully informed decisions. The next page is the authority to proceed. So it just refers to what page numbers those advice, the change of super and the power of attorney are on, and, again, a summary of the remuneration and how to implement the advice. The second last page is where you would sign if you want to proceed. There's a space in there for you to type in anything if you do not wish to proceed with the advice.\n\nAnd the last page is my the adviser declaration. So that's about me that I declare that I've given you this advice, and that's a complete record of the advice that I've given to you and so on. The next document is the appendix to the statement of advice. It includes an overview of the different risk profiles that we use at Oakview Financial. It also explains important relationships.\n\nSo the contents of the SOA is based on the information you've provided to us. The SOA is valid for sixty days. After that time, we need to redo it because that is based on the fact that people's financial situation is likely to have changed in that period of time or personal situation. There's no product guarantee, so we cannot guarantee performance of investments. We just work with you to make sure that we're reviewing it regularly at our meetings.\n\nTax advice, I'm not able to provide tax advice outside of anything that's applicable to super. And the following page is a link to the investment PDFs for all the underlying investment funds that you hold we've recommended that you hold in your hub twenty four super funds. So if you have trouble sleeping, click one of those, and you'll fall asleep pretty quick. And then the last page is explains how our methodology in generating investment returns. Any questions?\n\nNo. You're all good. So, yeah, that's that's basically it from my end. If you're happy to make those changes to your investment for your superannuation investment funds, I just need you to sign that document, and we can get that underway for you. Oh.\n\nPerfect. Beautiful. Alright, Steven. Any any other anything else that you need from me at this time? No.\n\nOh, lovely. Alright. Well, I hope you enjoy your weekend, and and I look forward to speaking to you again soon. Thanks. Thank you.\n\nEnjoy. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Steven.","start":2.72,"end":3.52,"sentiment":"neutral","sentiment_score":0.10497202351689339},{"text":"It's Jenniferning here from Oakview Financial.","start":3.52,"end":5.94,"sentiment":"neutral","sentiment_score":0.12237580741445224},{"text":"How are you today?","start":6.0,"end":6.8999996,"sentiment":"neutral","sentiment_score":0.16763023287057877},{"text":"That's good.","start":9.36,"end":10.34,"sentiment":"positive","sentiment_score":0.5976067185401917},{"text":"Before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes.","start":10.96,"end":15.735,"sentiment":"neutral","sentiment_score":0.05741021477363326}],"sentiment":"neutral","sentiment_score":0.11313772180842029,"num_words":36,"start":2.72,"end":15.735},{"sentences":[{"text":"Is that okay?","start":15.735,"end":16.635,"sentiment":"neutral","sentiment_score":0.06745622555414836},{"text":"Thank you.","start":18.455,"end":19.275,"sentiment":"neutral","sentiment_score":0.2319783717393875},{"text":"And, Steven, can I ask you to confirm your full name, date of birth, and address, please?","start":19.494999,"end":23.915,"sentiment":"neutral","sentiment_score":0.04377997228327919},{"text":"Yep.","start":33.19,"end":33.67,"sentiment":"neutral","sentiment_score":0.1471171677112579},{"text":"Wonderful.","start":33.67,"end":34.17,"sentiment":"positive","sentiment_score":0.5243955254554749}],"sentiment":"neutral","sentiment_score":0.0867540684218208,"num_words":24,"start":15.735,"end":34.17},{"sentences":[{"text":"Thank you for confirming that.","start":34.23,"end":35.59,"sentiment":"positive","sentiment_score":0.6612468719482422},{"text":"I appreciate it.","start":35.59,"end":36.65,"sentiment":"positive","sentiment_score":0.6598039666811625},{"text":"The purpose of my call today is to run through the advice following our recent annual review to look at implementing the changes.","start":37.11,"end":48.515,"sentiment":"neutral","sentiment_score":0.07867438872547253},{"text":"Do you have time to do that now?","start":48.515,"end":50.535,"sentiment":"neutral","sentiment_score":0.03518607886508107},{"text":"Yeah.","start":52.114998,"end":52.595,"sentiment":"neutral","sentiment_score":0.1104465126991272}],"sentiment":"neutral","sentiment_score":0.18717730860225856,"num_words":40,"start":34.23,"end":52.595},{"sentences":[{"text":"Beautiful.","start":52.595,"end":53.095,"sentiment":"neutral","sentiment_score":0.2756187319755554},{"text":"I am just going to send you through an email that will have those attachments in there that we're gonna talk through.","start":53.69,"end":71.945,"sentiment":"neutral","sentiment_score":0.10434737530621616},{"text":"Do you have access to your emails at the moment?","start":71.945,"end":74.125,"sentiment":"neutral","sentiment_score":0.026412901282310487},{"text":"Yep.","start":77.465004,"end":77.965004,"sentiment":"neutral","sentiment_score":0.05303042754530907},{"text":"Yep.","start":97.735,"end":98.235,"sentiment":"neutral","sentiment_score":0.06573763489723206}],"sentiment":"neutral","sentiment_score":0.0844045161136559,"num_words":35,"start":52.595,"end":98.235},{"sentences":[{"text":"And you should receive something from myself or Odoo sign, and it would if you click on that, it's the same process that we do with the review.","start":98.695,"end":106.455,"sentiment":"neutral","sentiment_score":0.08512279471116406},{"text":"You just click on sign here to open up the documents.","start":106.455,"end":109.275,"sentiment":"neutral","sentiment_score":0.034010801633650604},{"text":"Yep.","start":112.549995,"end":113.03,"sentiment":"neutral","sentiment_score":0.06687545031309128},{"text":"And that will bring up the document that we're that just contains the recommended changes that I'm gonna talk through with you, if that's okay.","start":113.03,"end":120.81,"sentiment":"neutral","sentiment_score":0.07594279199838638},{"text":"So do you have that open?","start":124.985,"end":126.445,"sentiment":"neutral","sentiment_score":0.05126954304675261}],"sentiment":"neutral","sentiment_score":0.07085379687938052,"num_words":71,"start":98.695,"end":126.445},{"sentences":[{"text":"Yep.","start":127.465,"end":127.965,"sentiment":"neutral","sentiment_score":0.09211912006139757},{"text":"Beautiful.","start":128.025,"end":128.525,"sentiment":"neutral","sentiment_score":0.23160430788993835},{"text":"Okay.","start":128.985,"end":129.465,"sentiment":"neutral","sentiment_score":0.13309818506240845},{"text":"Well, this is a statement of advice.","start":129.465,"end":132.025,"sentiment":"neutral","sentiment_score":0.05199100875428745},{"text":"So it just contains the information relevant to what we talked about in your review.","start":132.025,"end":138.605,"sentiment":"neutral","sentiment_score":0.07502001002430916}],"sentiment":"neutral","sentiment_score":0.07784235298633575,"num_words":25,"start":127.465,"end":138.605},{"sentences":[{"text":"The cover page is just explaining who I am, and I'm the person providing advice to you.","start":139.065,"end":144.96999,"sentiment":"neutral","sentiment_score":0.04287943463115131},{"text":"And the second page covers off on our best interest duties, which basically summarize states that any advice I provide you has to be in your best interest and place you in, excuse me, a a better financial situation.","start":146.39,"end":164.155,"sentiment":"neutral","sentiment_score":0.07053326051204632},{"text":"You've got the table of contents there, and then the next one is the scope of advice.","start":167.25499,"end":171.67,"sentiment":"neutral","sentiment_score":0.031435679973048324},{"text":"So what that means is that's what this document covers, the advice in this document.","start":171.67,"end":176.97,"sentiment":"neutral","sentiment_score":0.046998124569654465},{"text":"So we're going to look at reviewing your some of the investments within your superannuation fund that we talked about due to underperformance and other factors.","start":177.51,"end":188.735,"sentiment":"neutral","sentiment_score":0.034803264702741914}],"sentiment":"neutral","sentiment_score":0.04933342858822199,"num_words":114,"start":139.065,"end":188.735},{"sentences":[{"text":"And then I identified that you should look at establishing a will and a power of attorney.","start":189.355,"end":195.215,"sentiment":"neutral","sentiment_score":0.13718830399653492},{"text":"So I've included that in this document for you also.","start":195.595,"end":198.3,"sentiment":"neutral","sentiment_score":0.1800210617482662},{"text":"What what's the next page says what's not in our scope of advice for this document is your retirement planning goals.","start":199.74,"end":206.72,"sentiment":"neutral","sentiment_score":0.0032160113609972455},{"text":"So given that you're eleven years away, it's a bit early to start focusing on those goals presently, like tracking how you're doing going towards it.","start":207.18001,"end":217.60501,"sentiment":"neutral","sentiment_score":0.09234628493252856},{"text":"But we are over the next couple of reviews, in the next couple of years, we're still we that's where we'll start focusing on the retirement planning goals.","start":217.825,"end":227.58,"sentiment":"neutral","sentiment_score":0.07109080840434347}],"sentiment":"neutral","sentiment_score":0.08423033399580448,"num_words":102,"start":189.355,"end":227.58},{"sentences":[{"text":"The next page just explains that it this advice is limited if any of the information has not been provided to us is current or correct.","start":231.74,"end":241.11499,"sentiment":"neutral","sentiment_score":-0.17836116913419503},{"text":"Letting you know that I'm not a solicitor, so I can't draft wills or powers of attorney.","start":241.11499,"end":247.935,"sentiment":"neutral","sentiment_score":-0.19809041566708507},{"text":"And anything general insurance related like home and car for insurance, I can't give advice on.","start":248.715,"end":254.9,"sentiment":"neutral","sentiment_score":-0.2258560135960579},{"text":"The next couple of pages with the about you section, that's the information that we confirmed in our review.","start":257.19998,"end":264.4,"sentiment":"neutral","sentiment_score":0.05665842051568784},{"text":"So in relation to your employment, your income, your assets, and liabilities.","start":264.4,"end":269.115,"sentiment":"neutral","sentiment_score":0.039247716621806227}],"sentiment":"neutral","sentiment_score":-0.11190156769007445,"num_words":90,"start":231.74,"end":269.115},{"sentences":[{"text":"And then the following page, page eight is your risk profile.","start":271.815,"end":275.655,"sentiment":"neutral","sentiment_score":0.019578736106103115},{"text":"So, during our most recent review, we talked through your current growth risk profile, and you agreed that that's something that you would like to maintain.","start":275.655,"end":285.83002,"sentiment":"neutral","sentiment_score":0.024652867792890623},{"text":"So that's an 80% sorry.","start":285.89,"end":287.99002,"sentiment":"neutral","sentiment_score":-0.062376685440540314},{"text":"80% allocation to growth assets and a 20% allocation to defensive assets.","start":288.37,"end":293.485,"sentiment":"neutral","sentiment_score":-0.02712923226257165},{"text":"Do you recall that?","start":293.485,"end":294.54498,"sentiment":"neutral","sentiment_score":-0.0033754673786461353}],"sentiment":"neutral","sentiment_score":0.0035414582054162846,"num_words":58,"start":271.815,"end":294.54498},{"sentences":[{"text":"Fantastic.","start":296.285,"end":296.785,"sentiment":"positive","sentiment_score":0.6564106941223145},{"text":"I just like to refresh just to make sure.","start":297.405,"end":299.745,"sentiment":"neutral","sentiment_score":0.23493381838003793},{"text":"Page 10 is where the recommendations actually begin.","start":301.88498,"end":305.485,"sentiment":"neutral","sentiment_score":0.10793454851955175},{"text":"So there this is probably the crux of the document.","start":305.485,"end":309.27,"sentiment":"neutral","sentiment_score":0.03798315785825253},{"text":"I've recommended that you retain your hub twenty four, for your hub twenty 4 account, but we're gonna look at replacing the Bennelong investment, which was the underperforming asset with beta with the beta shares BetaShares Australian ETF and also replace the bank hybrid option with an with what we call what is called an iShares composite bond.","start":310.69,"end":335.01498,"sentiment":"neutral","sentiment_score":0.034818798656864415}],"sentiment":"neutral","sentiment_score":0.07015829474860152,"num_words":86,"start":296.285,"end":335.01498},{"sentences":[{"text":"So the the Bannalong was an Australian share investment, so is the replacement beta shares, and the bank hybrids was a defensive fixed interest type asset.","start":335.37,"end":347.95,"sentiment":"neutral","sentiment_score":0.03635373224432652},{"text":"The iShares is the same, but it's a you've got access to government and corporate bonds instead of bank bonds.","start":348.33002,"end":355.665,"sentiment":"neutral","sentiment_score":0.03747674711048603},{"text":"So there's a little bit of a change there and just gives you a little bit of more diversification.","start":356.285,"end":360.145,"sentiment":"neutral","sentiment_score":0.14883666054198616},{"text":"The recommended port.","start":364.04498,"end":366.24,"sentiment":"positive","sentiment_score":0.35716797908147174},{"text":"So the the changes that we have recommended will save you a little bit each during fees.","start":366.31998,"end":370.72,"sentiment":"positive","sentiment_score":0.5346572504324072}],"sentiment":"neutral","sentiment_score":0.1727447732406504,"num_words":85,"start":335.37,"end":370.72},{"sentences":[{"text":"So it's actual the investment fees are actually lower, which is a great win.","start":370.72,"end":374.41998,"sentiment":"positive","sentiment_score":0.7310006107602801},{"text":"And there will also be no capital gains tax within the super fund from selling the Bennelong and the hybrid investments to replace with the new ones.","start":375.03998,"end":386.245,"sentiment":"neutral","sentiment_score":0.2745451182126999},{"text":"So and that's mainly because of the underperformance with Bennelong.","start":386.245,"end":390.585,"sentiment":"neutral","sentiment_score":0.14575149938464166},{"text":"The disadvantages, which we always point out is that there's no guarantee with port the with any recommended portfolios that they're going to outperform.","start":393.285,"end":404.84998,"sentiment":"neutral","sentiment_score":-0.31760019436478615},{"text":"They you know, with investments that hold and wait.","start":405.71,"end":411.725,"sentiment":"neutral","sentiment_score":-0.2746973584095637}],"sentiment":"neutral","sentiment_score":0.10725667673562254,"num_words":84,"start":370.72,"end":411.725},{"sentences":[{"text":"We with your the changing of the investments, so the selling of Bannalong and the selling of the hybrids, there will be some brokerage fee incurred.","start":412.265,"end":426.43,"sentiment":"neutral","sentiment_score":-0.2965453364528142},{"text":"It's sits at point 11%, so it's minimal brokerage, which is why we do actually go with hub twenty four because they're the ones that are cheapest in the market.","start":429.53,"end":440.675,"sentiment":"neutral","sentiment_score":-0.08591882859667142},{"text":"We did I did consider a couple of other investment options.","start":443.855,"end":447.235,"sentiment":"neutral","sentiment_score":-0.22479746084321628},{"text":"They were discounted because if I did proceed down those path, it would actually mean that you would realize a capital gains tax in your super fund of nearly $3,900, which is not optimal at all.","start":448.735,"end":463.15,"sentiment":"negative","sentiment_score":-0.47800135446919334},{"text":"Because I looked at another platform, MyNorth.","start":464.49,"end":467.55,"sentiment":"neutral","sentiment_score":-0.292680840407099}],"sentiment":"neutral","sentiment_score":-0.2910666392608122,"num_words":110,"start":412.265,"end":467.55},{"sentences":[{"text":"But, again, as I mentioned Hub 24.","start":468.73,"end":475.745,"sentiment":"neutral","sentiment_score":-0.07259505880730492},{"text":"So that's why we didn't go down that path.","start":475.885,"end":479.665,"sentiment":"negative","sentiment_score":-0.33584465583165485},{"text":"Page 14 goes over a fee comparison.","start":482.605,"end":485.7694,"sentiment":"neutral","sentiment_score":0.012682759602155005},{"text":"So you've got your current now that's costing you approximately $5,674 per year.","start":485.7694,"end":495.2,"sentiment":"neutral","sentiment_score":-0.016814313184183378},{"text":"The recommended one is gonna cost you $5,338 for per year.","start":495.2,"end":500.995,"sentiment":"neutral","sentiment_score":0.056374873627315865}],"sentiment":"neutral","sentiment_score":-0.0646904352854224,"num_words":47,"start":468.73,"end":500.995},{"sentences":[{"text":"So it's an investment saving sorry.","start":500.995,"end":504.45502,"sentiment":"neutral","sentiment_score":0.15032452841599783},{"text":"A fee saving of about $335 a year.","start":504.515,"end":507.715,"sentiment":"neutral","sentiment_score":0.2563379853963852},{"text":"So it's better in your funds than the investment manager's pocket.","start":507.715,"end":511.095,"sentiment":"neutral","sentiment_score":0.3281297873366963},{"text":"And then the table below that is a projected balance.","start":513.61,"end":516.64996,"sentiment":"neutral","sentiment_score":0.12768576070666313},{"text":"So what we do is we project out a five year and a ten year.","start":516.64996,"end":521.63,"sentiment":"neutral","sentiment_score":0.2615890542666117}],"sentiment":"neutral","sentiment_score":0.2352554427087307,"num_words":50,"start":500.995,"end":521.63},{"sentences":[{"text":"And if you can see over the ten years, the recommended portfolio is estimated to outperform and give you a better performance of approximately $69,000 just due to and that's based on historical performance and also conservative figures that we use.","start":522.57,"end":542.13,"sentiment":"neutral","sentiment_score":0.3314769308014614},{"text":"So the recommended portfolio, we believe, will will pay place you in a better position.","start":542.13,"end":550.55005,"sentiment":"positive","sentiment_score":0.5122831443945567},{"text":"Page 15 just shows you the annualized returns for your current portfolio versus the recommended one.","start":553.17004,"end":559.65497,"sentiment":"neutral","sentiment_score":0.20610930770635605},{"text":"You'll see that it outperforms in most areas overall.","start":559.95496,"end":565.735,"sentiment":"positive","sentiment_score":0.4618860251373715},{"text":"And then the next page, it is a table showing you the investments that you presently have as well as the ones that we're going to change.","start":569.39496,"end":578.49,"sentiment":"neutral","sentiment_score":0.1306529743251977}],"sentiment":"neutral","sentiment_score":0.29867735912126525,"num_words":108,"start":522.57,"end":578.49},{"sentences":[{"text":"So anything in red, we are selling, and then anything in black, we are purchasing.","start":578.55,"end":583.526,"sentiment":"neutral","sentiment_score":0.09696865305304528},{"text":"So you'll notice that we are selling some of the other investments within your portfolio.","start":583.526,"end":590.505,"sentiment":"neutral","sentiment_score":0.13260950942834218},{"text":"So for example, we're selling down a little bit of the global battery tech and lithium.","start":592.245,"end":596.66504,"sentiment":"neutral","sentiment_score":0.031716897152364254},{"text":"That's because you're a little bit over weight in that compared to what we would ideally want you in.","start":598.485,"end":603.94,"sentiment":"neutral","sentiment_score":-0.09089471478211253},{"text":"So we're we're doing what we call a rebalance at the same time.","start":603.94,"end":608.42,"sentiment":"neutral","sentiment_score":0.0638412764439216}],"sentiment":"neutral","sentiment_score":0.03915486928935234,"num_words":78,"start":578.55,"end":608.42},{"sentences":[{"text":"So we're gonna rebalance your portfolio back to a high growth investor.","start":608.42,"end":613.865,"sentiment":"neutral","sentiment_score":0.15475472062826157},{"text":"Because what happens over time is with portfolio growth, those growth assets become inflated.","start":614.245,"end":623.705,"sentiment":"neutral","sentiment_score":-0.14976271454777038},{"text":"So you may start with a 80% allocation, but due to gross over a couple of years, that may then start to look at 90%, for example, of your portfolio.","start":623.84503,"end":634.66,"sentiment":"neutral","sentiment_score":-0.008916638046503066},{"text":"So by rebalancing, we're bringing it back down to the eighty twenty split.","start":635.2,"end":639.86,"sentiment":"neutral","sentiment_score":0.026425001283104602},{"text":"Does that make sense?","start":640.32,"end":641.355,"sentiment":"neutral","sentiment_score":0.10671617835760117}],"sentiment":"neutral","sentiment_score":0.0036064278436441946,"num_words":73,"start":608.42,"end":641.355},{"sentences":[{"text":"Yep.","start":643.675,"end":644.175,"sentiment":"neutral","sentiment_score":0.16898295283317566},{"text":"Okay.","start":644.235,"end":644.735,"sentiment":"neutral","sentiment_score":0.16860157251358032},{"text":"So page 18 is the asset allocation.","start":647.27496,"end":650.175,"sentiment":"neutral","sentiment_score":0.1617095587509019},{"text":"It it compares your existing versus the proposed, and you'll see that that rebalancing effect in there.","start":651.195,"end":659.51996,"sentiment":"neutral","sentiment_score":0.18075202668414397},{"text":"So we're upping a little bit of an exposure to Australian equities, decreasing a bit of the exposure to us international, and bringing the total overall growth allocation down to 79% when it was sitting at about 81.","start":659.51996,"end":679.985,"sentiment":"neutral","sentiment_score":0.314199324893324}],"sentiment":"neutral","sentiment_score":0.2575298474403098,"num_words":64,"start":643.675,"end":679.985},{"sentences":[{"text":"And your defensive portfolio bumping that up a little bit to 21% as opposed to sitting at 19, what is it previously was?","start":680.685,"end":691.68,"sentiment":"neutral","sentiment_score":0.2164136799781219},{"text":"Any questions for clients that are approaching retirement, but not quite needing that very detailed retirement income calculations at the moment.","start":693.02,"end":714.52997,"sentiment":"neutral","sentiment_score":-0.1705724700309691},{"text":"Based on our conversation, you said in retirement, you'd need about 2,200 a fortnight.","start":714.91,"end":721.58496,"sentiment":"neutral","sentiment_score":-0.007269247834171567},{"text":"And this shows us how, at the moment, where you're sitting, how you're tracking.","start":721.58496,"end":727.345,"sentiment":"neutral","sentiment_score":0.03595752162592752},{"text":"So at the age of 67, you'll see the blue represents age pension based on your current personal financial situation.","start":727.345,"end":737.67,"sentiment":"neutral","sentiment_score":0.0008500704541802406}],"sentiment":"neutral","sentiment_score":0.01971880446755044,"num_words":92,"start":680.685,"end":737.67},{"sentences":[{"text":"So, again, things could change down the track.","start":737.73,"end":740.15,"sentiment":"neutral","sentiment_score":-0.16675216238945723},{"text":"So this is just a very basic indication.","start":740.37,"end":742.55,"sentiment":"neutral","sentiment_score":0.0418206830509007},{"text":"And the green indicates your superannuation.","start":743.425,"end":746.965,"sentiment":"neutral","sentiment_score":0.07716867203513782},{"text":"So in order to reach that 2,200 per week in income, would look at some Centrelink age pension and then top up the difference between your superannuation with your superannuation running out at between age 91 and 92.","start":748.22504,"end":765.02,"sentiment":"neutral","sentiment_score":0.07940458986712129},{"text":"Does that make sense?","start":768.92,"end":770.06,"sentiment":"neutral","sentiment_score":0.07936898246407509}],"sentiment":"neutral","sentiment_score":0.043725164723582566,"num_words":64,"start":737.73,"end":770.06},{"sentences":[{"text":"Yep.","start":772.04,"end":772.365,"sentiment":"neutral","sentiment_score":0.20411869883537292},{"text":"So you're tracking well to reaching your retirement goals, and we just gotta keep that that's what that tells us.","start":772.605,"end":780.285,"sentiment":"positive","sentiment_score":0.42911633998155596},{"text":"We're just gonna keep going and doing what we're doing.","start":780.285,"end":783.005,"sentiment":"positive","sentiment_score":0.4161492598010227},{"text":"And as you're at the annual reviews, just identify any other areas where we can ensure that you're gonna reach those goals.","start":783.005,"end":792.99005,"sentiment":"positive","sentiment_score":0.40304734016006644},{"text":"The next the next page is a recommendation to establish a power of attorney.","start":795.53,"end":800.945,"sentiment":"neutral","sentiment_score":0.18819365543978556}],"sentiment":"positive","sentiment_score":0.3649207575545549,"num_words":67,"start":772.04,"end":800.945},{"sentences":[{"text":"I think we spoke briefly about that when in our review.","start":801.40497,"end":804.625,"sentiment":"neutral","sentiment_score":0.22911406647075305},{"text":"It just allows you to nominate a trusted individual or individual individual or individual individual oh my gosh.","start":804.685,"end":816.36,"sentiment":"neutral","sentiment_score":0.2420592274930742},{"text":"It's Friday.","start":816.36,"end":817.16003,"sentiment":"neutral","sentiment_score":0.028051280416548252},{"text":"I'm so sorry.","start":817.16003,"end":818.06,"sentiment":"negative","sentiment_score":-0.36283499002456665},{"text":"To make decisions on your behalf if you're unable to.","start":819.72003,"end":822.84,"sentiment":"neutral","sentiment_score":-0.19352266192436218}],"sentiment":"neutral","sentiment_score":0.08885663176294077,"num_words":44,"start":801.40497,"end":822.84},{"sentences":[{"text":"So I I guess, a common example would be if you're diagnosed with dementia, someone would be able to make financial and health decisions on your behalf.","start":822.84,"end":832.745,"sentiment":"neutral","sentiment_score":0.048931011309226356},{"text":"That needs to be done through a lawyer, or you can use state trustees to do that.","start":833.685,"end":843.39,"sentiment":"neutral","sentiment_score":0.16852170535746744},{"text":"And in some states, you can even download the document off the Internet and complete it yourself.","start":844.08997,"end":849.71,"sentiment":"neutral","sentiment_score":0.217115960576955},{"text":"The next page just outlines your ongoing services, which you you already have access to.","start":852.79504,"end":860.015,"sentiment":"neutral","sentiment_score":0.3127204934755961},{"text":"So you'll always get your review as per your frequency request.","start":860.315,"end":865.61505,"sentiment":"positive","sentiment_score":0.37286745418201794}],"sentiment":"neutral","sentiment_score":0.19160146005023485,"num_words":87,"start":822.84,"end":865.61505},{"sentences":[{"text":"We're available at any time to discuss changes in circumstances or if you need to seek additional advice.","start":867.56,"end":873.89996,"sentiment":"neutral","sentiment_score":0.3063650031884511},{"text":"So you're not just limited to your and your reviews and in order to to seek advice.","start":875.56,"end":883.735,"sentiment":"neutral","sentiment_score":0.2036726150442572},{"text":"The next page just covers up on some important info.","start":886.435,"end":890.21497,"sentiment":"neutral","sentiment_score":0.2016204997897148},{"text":"So just to summarize, you have cooling off rights, which if you wanted to change any of the investments, you'd have fourteen days to do so.","start":890.515,"end":901.57,"sentiment":"neutral","sentiment_score":0.1973036751151085},{"text":"With the product disclosure statements that have been provided in this document, they're important to refer to if you have any questions.","start":903.07,"end":913.265,"sentiment":"neutral","sentiment_score":0.20701628042892975}],"sentiment":"neutral","sentiment_score":0.22233831433839696,"num_words":93,"start":867.56,"end":913.265},{"sentences":[{"text":"And then the final page is well, not the final, but heading towards the end.","start":914.125,"end":918.69,"sentiment":"neutral","sentiment_score":0.18534033497174582},{"text":"The next page is the ongoing remuneration.","start":919.25,"end":921.51,"sentiment":"neutral","sentiment_score":0.1835954338312149},{"text":"So that's that annual fee that we talked about in our review.","start":921.89,"end":925.19,"sentiment":"neutral","sentiment_score":0.27439970274766284},{"text":"Just repeat it again in here.","start":925.49,"end":927.01,"sentiment":"neutral","sentiment_score":0.2149208808938662},{"text":"So it's not additional for the annual review.","start":927.01,"end":929.41,"sentiment":"neutral","sentiment_score":0.17398743983358145}],"sentiment":"neutral","sentiment_score":0.20915613121663532,"num_words":48,"start":914.125,"end":929.41},{"sentences":[{"text":"It's the same one, but we have to incorporate it in the documents so that our clients can make fully informed decisions.","start":929.41,"end":937.605,"sentiment":"neutral","sentiment_score":0.32949567247520795},{"text":"The next page is the authority to proceed.","start":940.945,"end":943.34503,"sentiment":"neutral","sentiment_score":0.08239316940307617},{"text":"So it just refers to what page numbers those advice, the change of super and the power of attorney are on, and, again, a summary of the remuneration and how to implement the advice.","start":943.34503,"end":959.47,"sentiment":"neutral","sentiment_score":0.06671938513789107},{"text":"The second last page is where you would sign if you want to proceed.","start":961.745,"end":967.28503,"sentiment":"neutral","sentiment_score":0.06743893080524035},{"text":"There's a space in there for you to type in anything if you do not wish to proceed with the advice.","start":967.425,"end":973.45996,"sentiment":"neutral","sentiment_score":0.014745931717611495}],"sentiment":"neutral","sentiment_score":0.11545776607788573,"num_words":99,"start":929.41,"end":973.45996},{"sentences":[{"text":"And the last page is my the adviser declaration.","start":974.63995,"end":978.57996,"sentiment":"neutral","sentiment_score":0.11357057839632034},{"text":"So that's about me that I declare that I've given you this advice, and that's a complete record of the advice that I've given to you and so on.","start":979.12,"end":991.94495,"sentiment":"neutral","sentiment_score":0.15018483611016437},{"text":"The next document is the appendix to the statement of advice.","start":992.725,"end":997.305,"sentiment":"neutral","sentiment_score":0.09678282791917975},{"text":"It includes an overview of the different risk profiles that we use at Oakview Financial.","start":999.72,"end":1006.06,"sentiment":"neutral","sentiment_score":0.08863795424501102},{"text":"It also explains important relationships.","start":1008.04,"end":1010.3,"sentiment":"neutral","sentiment_score":0.08993485569953918}],"sentiment":"neutral","sentiment_score":0.1191500022035578,"num_words":69,"start":974.63995,"end":1010.3},{"sentences":[{"text":"So the contents of the SOA is based on the information you've provided to us.","start":1010.6,"end":1015.53503,"sentiment":"neutral","sentiment_score":0.09197798470656077},{"text":"The SOA is valid for sixty days.","start":1016.79504,"end":1018.97504,"sentiment":"neutral","sentiment_score":0.06545972238693919},{"text":"After that time, we need to redo it because that is based on the fact that people's financial situation is likely to have changed in that period of time or personal situation.","start":1019.03503,"end":1029.73,"sentiment":"neutral","sentiment_score":0.000695248061674647},{"text":"There's no product guarantee, so we cannot guarantee performance of investments.","start":1031.0701,"end":1036.37,"sentiment":"neutral","sentiment_score":-0.08466487682678482},{"text":"We just work with you to make sure that we're reviewing it regularly at our meetings.","start":1037.31,"end":1042.77,"sentiment":"neutral","sentiment_score":0.032462829374708235}],"sentiment":"neutral","sentiment_score":0.0178793504960651,"num_words":81,"start":1010.6,"end":1042.77},{"sentences":[{"text":"Tax advice, I'm not able to provide tax advice outside of anything that's applicable to super.","start":1044.275,"end":1052.215,"sentiment":"neutral","sentiment_score":-0.1584886615164578},{"text":"And the following page is a link to the investment PDFs for all the underlying investment funds that you hold we've recommended that you hold in your hub twenty four super funds.","start":1053.395,"end":1067.29,"sentiment":"neutral","sentiment_score":0.08164395252242684},{"text":"So if you have trouble sleeping, click one of those, and you'll fall asleep pretty quick.","start":1067.91,"end":1072.33,"sentiment":"neutral","sentiment_score":0.07746218866668642},{"text":"And then the last page is explains how our methodology in generating investment returns.","start":1073.875,"end":1081.5751,"sentiment":"neutral","sentiment_score":0.0911483953573874},{"text":"Any questions?","start":1084.595,"end":1085.495,"sentiment":"neutral","sentiment_score":0.018362708389759064}],"sentiment":"neutral","sentiment_score":0.032862323336303234,"num_words":80,"start":1044.275,"end":1085.495},{"sentences":[{"text":"No.","start":1090.07,"end":1090.57,"sentiment":"neutral","sentiment_score":-0.21639233827590945},{"text":"You're all good.","start":1090.7899,"end":1091.85,"sentiment":"neutral","sentiment_score":0.18346251547336578},{"text":"So, yeah, that's that's basically it from my end.","start":1093.4299,"end":1097.13,"sentiment":"neutral","sentiment_score":0.23803943374918568},{"text":"If you're happy to make those changes to your investment for your superannuation investment funds, I just need you to sign that document, and we can get that underway for you.","start":1098.3099,"end":1110.275,"sentiment":"neutral","sentiment_score":0.3001024328893231},{"text":"Oh.","start":1112.255,"end":1112.755,"sentiment":"positive","sentiment_score":0.5367324352264404}],"sentiment":"neutral","sentiment_score":0.2736946214818292,"num_words":45,"start":1090.07,"end":1112.755},{"sentences":[{"text":"Perfect.","start":1112.895,"end":1113.395,"sentiment":"positive","sentiment_score":0.7581983804702759},{"text":"Beautiful.","start":1113.455,"end":1113.955,"sentiment":"positive","sentiment_score":0.7512197494506836},{"text":"Alright, Steven.","start":1114.74,"end":1115.7,"sentiment":"positive","sentiment_score":0.4907045364379883},{"text":"Any any other anything else that you need from me at this time?","start":1115.7,"end":1120.36,"sentiment":"neutral","sentiment_score":0.1609265563579706},{"text":"No.","start":1123.22,"end":1123.72,"sentiment":"neutral","sentiment_score":-0.2370036542415619}],"sentiment":"neutral","sentiment_score":0.24143715451161066,"num_words":18,"start":1112.895,"end":1123.72},{"sentences":[{"text":"Oh, lovely.","start":1124.02,"end":1125.0,"sentiment":"positive","sentiment_score":0.35576969385147095},{"text":"Alright.","start":1125.38,"end":1125.7,"sentiment":"neutral","sentiment_score":0.31934213638305664},{"text":"Well, I hope you enjoy your weekend, and and I look forward to speaking to you again soon.","start":1125.7,"end":1133.545,"sentiment":"positive","sentiment_score":0.6410014794932472},{"text":"Thanks.","start":1135.2051,"end":1135.7051,"sentiment":"positive","sentiment_score":0.566106915473938},{"text":"Thank you.","start":1135.925,"end":1136.5651,"sentiment":"positive","sentiment_score":0.6129759848117828}],"sentiment":"positive","sentiment_score":0.598373626669248,"num_words":24,"start":1124.02,"end":1136.5651},{"sentences":[{"text":"Enjoy.","start":1136.5651,"end":1137.0651,"sentiment":"positive","sentiment_score":0.46572941541671753},{"text":"Bye.","start":1137.125,"end":1137.625,"sentiment":"neutral","sentiment_score":0.2570967376232147}],"sentiment":"positive","sentiment_score":0.3614130765199661,"num_words":2,"start":1136.5651,"end":1137.625}]}}]},{"alternatives":[{"transcript":"Hello. This is Steven speaking. Good. Thank you. Yep. Yeah. It's Steven Richard Kent. It's 1169, and it's 50 Hereford Road, Mount Evelyn, Victoria. All good? Yes. Stalling document. Yep. Good. Yep. Yep. Okay. Yep. Okay. Yep. Okay. Yep. Yep. No worries. Yep. Yep. Yep. Yep. Okay. Yep. Yes. Yep. Okay. Okay. Yeah. Yep. Okay. Yep. Yeah. No. Yep. Mhmm. Yep. Okay. That's Yep. Okay. Yep. Okay. Yep. Okay. Yep. Yeah. Okay. No. No. That's all good. Yep. Yeah. I just signed it now. No. Not all good. Will do. Thank you. Okay. Thank you for that. Uh-huh. Uh-huh. 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This is Steven speaking.\n\nChannel 0: Hi, Steven. It's Jenniferning here from Oakview Financial. How are you today?\n\nChannel 1: Good. Thank you.\n\nChannel 0: That's good. Before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay?\n\nChannel 1: Yep.\n\nChannel 0: Thank you. And, Steven, can I ask you to confirm your full name, date of birth, and address, please?\n\nChannel 1: Yeah. It's Steven Richard Kent. It's 1169, and it's 50 Hereford Road, Mount Evelyn, Victoria.\n\nChannel 0: Yep. Wonderful. Thank you for confirming that. I appreciate it. The\n\nChannel 1: All good?\n\nChannel 0: purpose of my call today is to run through the advice following our recent annual review to look at implementing the changes. Do you have time to do that now? Yeah. Beautiful. I am just going to send you through an email that will have those attachments in there that we're gonna talk through.\n\nDo you have access to your emails at the moment?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Yep. And you should receive something from myself or Odoo sign, and it would if you click on that, it's the same process that we do with the review. You just click on sign here to open up the documents.\n\nChannel 1: Stalling document. Yep.\n\nChannel 0: Yep. And that will bring up the document that we're that just contains the recommended changes that I'm gonna talk through with you, if that's okay.\n\nChannel 1: Good.\n\nChannel 0: So do you have that open?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. Okay. Well, this is a statement of advice. So it just contains the information relevant to what we talked about in your review.\n\nThe cover page is just explaining who I am, and I'm the person providing advice to you. And the second page covers off on our best interest duties, which basically summarize states that any advice I provide you has to be in your best interest and place you in, excuse me, a a better financial situation.\n\nChannel 1: Yep.\n\nChannel 0: You've got the table of contents there, and then the next one is the scope of advice. So what that means is that's what this document covers, the advice in this document.\n\nChannel 1: Okay.\n\nChannel 0: So we're going to look at reviewing your some of the investments within your superannuation fund that we talked about due to underperformance and other factors. And\n\nChannel 1: Yep.\n\nChannel 0: then I identified that you should look at establishing a will and a power of attorney. So I've included that in this document for you also.\n\nChannel 1: Okay.\n\nChannel 0: What what's the next page says what's not in our scope of advice for this document is your retirement planning goals. So given that you're eleven years away, it's a bit early to start focusing on those goals presently, like tracking how\n\nChannel 1: Yep.\n\nChannel 0: you're doing going towards it. But we are over the next couple of reviews, in the next couple of years, we're still we that's where we'll start focusing on the retirement planning goals.\n\nChannel 1: Okay. Yep.\n\nChannel 0: The next page just explains that it this advice is limited if any of the information has not been provided to us is current or correct. Letting you know that I'm not a solicitor, so I can't draft wills or powers of attorney. And anything general insurance related like home and car for insurance, I can't give advice on.\n\nChannel 1: Yep. No worries.\n\nChannel 0: The next couple of pages with the about you section, that's the information that we confirmed in our review. So in relation to your employment, your income, your assets, and liabilities.\n\nChannel 1: Yep.\n\nChannel 0: And then the following page, page eight is your risk profile. So, during our most recent review, we talked through your current growth risk profile, and you agreed that that's something that you would like to maintain. So that's an 80% sorry. 80% allocation to growth assets and a 20% allocation to defensive assets. Do you recall that?\n\nChannel 1: Yep.\n\nChannel 0: Fantastic. I just like to refresh just to make sure. Page 10 is where the recommendations actually begin. So there this is probably the crux of the document. I've recommended that you retain your hub twenty four, for your hub twenty 4 account, but we're\n\nChannel 1: Yep.\n\nChannel 0: gonna look at replacing the Bennelong investment, which was the underperforming asset with beta with the beta shares\n\nChannel 1: Yep.\n\nChannel 0: BetaShares Australian ETF and also replace the bank hybrid option with an with what we call what is called an iShares composite bond. So the the Bannalong was an Australian share investment, so is the replacement beta shares, and the bank hybrids was a defensive fixed interest type asset. The iShares is the same, but it's a you've got access to government and corporate bonds instead of bank bonds. So\n\nChannel 1: Okay.\n\nChannel 0: there's a little bit of a change there and just gives you a little bit of more diversification.\n\nChannel 1: Yep.\n\nChannel 0: The recommended port. So the the changes that we have recommended will save you a little bit each during fees. So it's actual the investment fees are actually lower, which is a great win. And there will also be no capital gains tax within the super fund from selling the Bennelong and the hybrid investments to replace with the new ones. So and that's mainly because of the underperformance with Bennelong.\n\nChannel 1: Yes.\n\nChannel 0: The disadvantages, which we always point out is that there's no guarantee with port the with any recommended portfolios that they're going to outperform. They you know, with investments that hold and wait. We with your the changing of the investments, so the selling of Bannalong and the selling of the hybrids, there will be some brokerage fee incurred. It's sits at point 11%, so it's minimal brokerage, which is why we do actually go with hub twenty four because they're the ones that are cheapest in the market. We did I did consider a couple of other investment options.\n\nThey were discounted because if I did proceed down those path, it would actually mean that you would realize a capital gains tax in your super fund of nearly $3,900, which is not optimal at all. Because I looked at another platform, MyNorth. But, again, as I mentioned Hub 24. So that's\n\nChannel 1: Yep.\n\nChannel 0: why we didn't go down that path.\n\nChannel 1: Okay.\n\nChannel 0: Page 14 goes over a fee comparison. So you've got your current now that's costing you approximately $5,674 per year. The recommended one is gonna cost you $5,338 for per year. So it's an investment saving sorry. A fee saving of about $335 a year.\n\nSo it's better in your funds than the investment manager's pocket.\n\nChannel 1: Okay.\n\nChannel 0: And then the table below that is a projected balance. So what we do is we project out a five year and a ten year. And if you can see over the ten years, the recommended portfolio is estimated to outperform and give you a better performance of approximately $69,000 just due to and that's based on historical performance and also conservative figures that we use. So the\n\nChannel 1: Yeah.\n\nChannel 0: recommended portfolio, we believe, will will pay place you in a better position. Page 15 just shows you the annualized returns for your current portfolio versus the recommended one. You'll see that it outperforms in most areas overall. And then the next page, it is a table showing you\n\nChannel 1: Yep.\n\nChannel 0: the investments that you presently have as well as the ones that we're going to change. So anything in red, we are selling, and then anything in black, we are purchasing. So you'll notice that we are selling some of the other investments within your portfolio. So for example, we're selling down a little bit of the global battery tech and lithium. That's because you're a little bit over weight in that compared to what we would ideally want you in.\n\nSo we're we're doing what we call a rebalance at the same time. So we're gonna rebalance your portfolio back to a high growth investor. Because what happens over time is with portfolio growth, those growth assets become inflated. So you may start with a 80% allocation, but due to gross over a couple of years, that may then start to look at 90%, for example, of your portfolio. So by rebalancing, we're bringing it back down to the eighty twenty split.\n\nDoes that\n\nChannel 1: Okay.\n\nChannel 0: make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Okay. So page 18 is the asset allocation. It it compares your existing versus the proposed, and you'll see that that rebalancing effect in there. So we're upping a little bit of an exposure to Australian equities, decreasing a bit of the exposure to us international, and bringing the total overall growth allocation down to 79% when it was sitting at about 81.\n\nAnd your defensive portfolio bumping that up a little bit to 21% as opposed to sitting at 19, what is it previously was?\n\nChannel 1: Yeah.\n\nChannel 0: Any questions\n\nChannel 1: No.\n\nChannel 0: for clients that are approaching retirement, but not quite needing that very detailed retirement income calculations at the moment. Based on our conversation, you said in retirement, you'd need about 2,200 a\n\nChannel 1: Yep.\n\nChannel 0: fortnight. And this shows us how, at the moment, where you're sitting, how you're tracking. So at the age of 67, you'll see the blue represents age pension based on your current personal financial situation. So, again, things could change down the track. So this is just a very basic indication.\n\nAnd the green indicates your superannuation. So in order to reach that 2,200 per week in income, would look at some Centrelink age pension and then top up the difference between your superannuation with your superannuation running out at between age 91 and 92. Does that make sense?\n\nChannel 1: Mhmm.\n\nChannel 0: Yep. So you're tracking well to reaching your retirement goals, and we just gotta keep\n\nChannel 1: Yep.\n\nChannel 0: that that's what that tells us. We're just gonna keep going and doing what we're doing. And as you're at the annual reviews, just identify any other areas where we can ensure that you're gonna reach those goals.\n\nChannel 1: Okay.\n\nChannel 0: The next the next page is a recommendation to establish a power of attorney. I think we spoke briefly about that when in our review. It just allows you to nominate a trusted individual or individual individual or individual individual oh my gosh. It's Friday. I'm so sorry.\n\nChannel 1: That's\n\nChannel 0: To make decisions on your behalf if you're unable to. So I I guess, a common example would be if you're diagnosed with dementia, someone would be able to make financial and health decisions on your behalf.\n\nChannel 1: Yep.\n\nChannel 0: That needs to be done through a lawyer, or you can use state trustees to do that. And in some states, you can even download the document off the Internet and complete it yourself.\n\nChannel 1: Okay.\n\nChannel 0: The next page just outlines your ongoing services, which you you already have access to. So you'll always get your review as per your frequency request. We're available at any time to discuss changes in circumstances or if you need to seek additional advice. So you're not just limited to your and your reviews and in order to to\n\nChannel 1: Yep.\n\nChannel 0: seek advice.\n\nChannel 1: Okay.\n\nChannel 0: The next page just covers up on some important info. So just to summarize, you have cooling off rights, which if you wanted to change any of the investments, you'd have fourteen days to do so. With the product disclosure statements that have been provided in this document, they're important to refer to if you have any questions. And then the final page is well, not the final, but heading towards the end. The next page is the ongoing remuneration.\n\nSo that's that annual fee that we talked about in our review. Just repeat it again in here. So it's not additional for the annual review. It's the same one, but we have to incorporate it in the documents so that our clients can make fully informed decisions.\n\nChannel 1: Yep.\n\nChannel 0: The next page is the authority to proceed. So it just refers to what page numbers those advice, the change of super and the power of attorney are on, and, again, a summary of the remuneration and how to implement the advice.\n\nChannel 1: Okay.\n\nChannel 0: The second last page is where you would sign if you want to proceed. There's a space in there for you to type in anything if you do not wish to proceed with the advice. And the last page is my the adviser declaration. So that's about me that I declare that I've given you this advice, and that's a complete record of the advice that I've given to you and so on.\n\nChannel 1: Yep.\n\nChannel 0: The next document is the appendix to the statement of advice. It includes an overview of the different risk profiles that we use at Oakview Financial. It also explains important relationships. So the contents of the SOA is based on the information you've provided to us. The SOA is valid for sixty days.\n\nAfter that time, we need to redo it because that is based on the fact that people's financial situation is likely to have changed in that period of time or personal situation. There's no product guarantee, so we cannot guarantee performance of investments. We just work with you to make sure that we're reviewing it regularly at our meetings. Tax advice, I'm not able to provide tax advice outside of anything that's applicable to super. And the following page is a link to the investment PDFs for all the underlying investment funds that you hold we've recommended that you hold in your hub twenty four super funds.\n\nSo if you have trouble sleeping, click one of those, and you'll fall asleep pretty quick.\n\nChannel 1: Yeah.\n\nChannel 0: And then the last page is explains how our methodology in generating investment returns.\n\nChannel 1: Okay.\n\nChannel 0: Any questions?\n\nChannel 1: No. No. That's all\n\nChannel 0: No. You're all good. So, yeah,\n\nChannel 1: good.\n\nChannel 0: that's\n\nChannel 1: Yep.\n\nChannel 0: that's basically it from my end. If you're happy to make those changes to your investment for your superannuation investment funds, I just need you to sign that document, and we can get that underway for you.\n\nChannel 1: Yeah. I just signed it now.\n\nChannel 0: Oh. Perfect. Beautiful. Alright, Steven. Any any other anything else that you need from me at this time?\n\nChannel 1: No. Not all good.\n\nChannel 0: No. Oh, lovely. Alright. Well, I hope you enjoy your weekend,\n\nChannel 1: Will do. Thank you.\n\nChannel 0: and and I look forward to speaking to you again soon.\n\nChannel 1: Okay. Thank you for\n\nChannel 0: Thanks.\n\nChannel 1: that.\n\nChannel 0: Thank you.\n\nChannel 1: Uh-huh.\n\nChannel 0: Enjoy. Bye.\n\nChannel 1: Uh-huh. Bye bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.79999995,"end":1.12,"sentiment":"neutral","sentiment_score":0.01947636529803276},{"text":"This is Steven speaking.","start":1.12,"end":2.1,"sentiment":"neutral","sentiment_score":0.017306596040725708}],"sentiment":"neutral","sentiment_score":0.017740549892187117,"channel":1,"num_words":5,"start":0.79999995,"end":2.1},{"sentences":[{"text":"Hi, Steven.","start":2.72,"end":3.52,"sentiment":"neutral","sentiment_score":0.10497202351689339},{"text":"It's Jenniferning here from Oakview Financial.","start":3.52,"end":5.94,"sentiment":"neutral","sentiment_score":0.12237580741445224},{"text":"How are you 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okay?","start":15.735,"end":16.635,"sentiment":"neutral","sentiment_score":0.06745622555414836}],"sentiment":"neutral","sentiment_score":0.09854099402825038,"channel":0,"num_words":27,"start":9.36,"end":16.635},{"sentences":[{"text":"Yep.","start":17.135,"end":17.635,"sentiment":"neutral","sentiment_score":0.0678153857588768}],"sentiment":"neutral","sentiment_score":0.0678153857588768,"channel":1,"num_words":1,"start":17.135,"end":17.635},{"sentences":[{"text":"Thank you.","start":18.455,"end":19.275,"sentiment":"neutral","sentiment_score":0.2319783717393875},{"text":"And, Steven, can I ask you to confirm your full name, date of birth, and address, please?","start":19.494999,"end":23.915,"sentiment":"neutral","sentiment_score":0.04377997228327919}],"sentiment":"neutral","sentiment_score":0.06359033012076427,"channel":0,"num_words":19,"start":18.455,"end":23.915},{"sentences":[{"text":"Yeah.","start":24.36,"end":24.52,"sentiment":"neutral","sentiment_score":0.02017217129468918},{"text":"It's Steven Richard Kent.","start":24.52,"end":25.980001,"sentiment":"neutral","sentiment_score":0.014352610567584634},{"text":"It's 1169, and it's 50 Hereford Road, Mount Evelyn, Victoria.","start":26.04,"end":31.580002,"sentiment":"neutral","sentiment_score":0.025384553894400596}],"sentiment":"neutral","sentiment_score":0.02209521016726891,"channel":1,"num_words":15,"start":24.36,"end":31.580002},{"sentences":[{"text":"Yep.","start":33.19,"end":33.67,"sentiment":"neutral","sentiment_score":0.1471171677112579},{"text":"Wonderful.","start":33.67,"end":34.17,"sentiment":"positive","sentiment_score":0.5243955254554749},{"text":"Thank you for confirming that.","start":34.23,"end":35.59,"sentiment":"positive","sentiment_score":0.6612468719482422},{"text":"I appreciate it.","start":35.59,"end":36.65,"sentiment":"positive","sentiment_score":0.6598039666811625},{"text":"The","start":37.11,"end":37.395,"sentiment":"neutral","sentiment_score":0.32670465111732483}],"sentiment":"positive","sentiment_score":0.5712603276426141,"channel":0,"num_words":11,"start":33.19,"end":37.395},{"sentences":[{"text":"All good?","start":37.64,"end":38.265,"sentiment":"neutral","sentiment_score":0.3000831604003906}],"sentiment":"neutral","sentiment_score":0.3000831604003906,"channel":1,"num_words":2,"start":37.64,"end":38.265},{"sentences":[{"text":"purpose of my call today is to run through the advice following our recent annual review to look at implementing the changes.","start":37.875,"end":48.515,"sentiment":"neutral","sentiment_score":0.06740028588947924},{"text":"Do you have time to do that now?","start":48.515,"end":50.535,"sentiment":"neutral","sentiment_score":0.03518607886508107},{"text":"Yeah.","start":52.114998,"end":52.595,"sentiment":"neutral","sentiment_score":0.1104465126991272},{"text":"Beautiful.","start":52.595,"end":53.095,"sentiment":"neutral","sentiment_score":0.2756187319755554},{"text":"I am just going to send you through an email that will have those attachments in there that we're gonna talk through.","start":53.69,"end":71.945,"sentiment":"neutral","sentiment_score":0.10434737530621616}],"sentiment":"neutral","sentiment_score":0.082333378183345,"channel":0,"num_words":54,"start":37.875,"end":71.945},{"sentences":[{"text":"Do you have access to your emails at the 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what we talked about in your review.","start":132.025,"end":138.605,"sentiment":"neutral","sentiment_score":0.07502001002430916}],"sentiment":"neutral","sentiment_score":0.07784235298633575,"channel":0,"num_words":25,"start":127.465,"end":138.605},{"sentences":[{"text":"The cover page is just explaining who I am, and I'm the person providing advice to you.","start":139.065,"end":144.96999,"sentiment":"neutral","sentiment_score":0.04287943463115131},{"text":"And the second page covers off on our best interest duties, which basically summarize states that any advice I provide you has to be in your best interest and place you in, excuse me, a a better financial 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also.","start":195.595,"end":198.3,"sentiment":"neutral","sentiment_score":0.1800210617482662}],"sentiment":"neutral","sentiment_score":0.15426810114429548,"channel":0,"num_words":26,"start":189.595,"end":198.3},{"sentences":[{"text":"Okay.","start":199.1,"end":199.6,"sentiment":"neutral","sentiment_score":0.07419073581695557}],"sentiment":"neutral","sentiment_score":0.07419073581695557,"channel":1,"num_words":1,"start":199.1,"end":199.6},{"sentences":[{"text":"What what's the next page says what's not in our scope of advice for this document is your retirement planning goals.","start":199.74,"end":206.72,"sentiment":"neutral","sentiment_score":0.0032160113609972455},{"text":"So given that you're eleven years away, it's a bit early to start focusing on those goals presently, like tracking 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attorney.","start":241.11499,"end":247.935,"sentiment":"neutral","sentiment_score":-0.19809041566708507},{"text":"And anything general insurance related like home and car for insurance, I can't give advice on.","start":248.715,"end":254.9,"sentiment":"neutral","sentiment_score":-0.2258560135960579}],"sentiment":"neutral","sentiment_score":-0.19692582510790582,"channel":0,"num_words":59,"start":231.74,"end":254.9},{"sentences":[{"text":"Yep.","start":255.31999,"end":255.72,"sentiment":"neutral","sentiment_score":-0.0003690247831400484},{"text":"No worries.","start":255.72,"end":256.46,"sentiment":"neutral","sentiment_score":0.0256892591714859}],"sentiment":"neutral","sentiment_score":0.01700316451994392,"channel":1,"num_words":3,"start":255.31999,"end":256.46},{"sentences":[{"text":"The next couple of pages with the about you section, that's the information that we confirmed in our review.","start":257.19998,"end":264.4,"sentiment":"neutral","sentiment_score":0.05665842051568784},{"text":"So in relation to your employment, your income, your assets, and liabilities.","start":264.4,"end":269.115,"sentiment":"neutral","sentiment_score":0.039247716621806227}],"sentiment":"neutral","sentiment_score":0.049918793201927214,"channel":0,"num_words":31,"start":257.19998,"end":269.115},{"sentences":[{"text":"Yep.","start":270.055,"end":270.555,"sentiment":"neutral","sentiment_score":0.04565286636352539}],"sentiment":"neutral","sentiment_score":0.04565286636352539,"channel":1,"num_words":1,"start":270.055,"end":270.555},{"sentences":[{"text":"And then the following page, page eight is your risk profile.","start":271.815,"end":275.655,"sentiment":"neutral","sentiment_score":0.019578736106103115},{"text":"So, during our most recent review, we talked through your current growth risk profile, and you agreed that that's something that you would like to maintain.","start":275.655,"end":285.83002,"sentiment":"neutral","sentiment_score":0.024652867792890623},{"text":"So that's an 80% sorry.","start":285.89,"end":287.99002,"sentiment":"neutral","sentiment_score":-0.062376685440540314},{"text":"80% allocation to growth assets and a 20% allocation to defensive assets.","start":288.37,"end":293.485,"sentiment":"neutral","sentiment_score":-0.02712923226257165},{"text":"Do you recall that?","start":293.485,"end":294.54498,"sentiment":"neutral","sentiment_score":-0.0033754673786461353}],"sentiment":"neutral","sentiment_score":0.0035414582054162846,"channel":0,"num_words":58,"start":271.815,"end":294.54498},{"sentences":[{"text":"Yep.","start":294.86502,"end":295.36502,"sentiment":"neutral","sentiment_score":0.21429404616355896}],"sentiment":"neutral","sentiment_score":0.21429404616355896,"channel":1,"num_words":1,"start":294.86502,"end":295.36502},{"sentences":[{"text":"Fantastic.","start":296.285,"end":296.785,"sentiment":"positive","sentiment_score":0.6564106941223145},{"text":"I just like to refresh just to make sure.","start":297.405,"end":299.745,"sentiment":"neutral","sentiment_score":0.23493381838003793},{"text":"Page 10 is where the recommendations actually begin.","start":301.88498,"end":305.485,"sentiment":"neutral","sentiment_score":0.10793454851955175},{"text":"So there this is probably the crux of the document.","start":305.485,"end":309.27,"sentiment":"neutral","sentiment_score":0.03798315785825253},{"text":"I've recommended that you retain your hub twenty four, for your hub twenty 4 account, but we're","start":310.69,"end":317.88998,"sentiment":"neutral","sentiment_score":0.07722569147453588}],"sentiment":"neutral","sentiment_score":0.11837688402997124,"channel":0,"num_words":45,"start":296.285,"end":317.88998},{"sentences":[{"text":"Yep.","start":317.665,"end":318.165,"sentiment":"neutral","sentiment_score":0.04407046362757683}],"sentiment":"neutral","sentiment_score":0.04407046362757683,"channel":1,"num_words":1,"start":317.665,"end":318.165},{"sentences":[{"text":"gonna look at replacing the Bennelong investment, which was the underperforming asset with beta with the beta 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but it's a you've got access to government and corporate bonds instead of bank bonds.","start":348.33002,"end":355.665,"sentiment":"neutral","sentiment_score":0.03747674711048603},{"text":"So","start":356.285,"end":356.525,"sentiment":"neutral","sentiment_score":0.07540804147720337}],"sentiment":"neutral","sentiment_score":0.03300400573228087,"channel":0,"num_words":70,"start":324.435,"end":356.525},{"sentences":[{"text":"Okay.","start":356.51,"end":357.01,"sentiment":"neutral","sentiment_score":0.1309901922941208}],"sentiment":"neutral","sentiment_score":0.1309901922941208,"channel":1,"num_words":1,"start":356.51,"end":357.01},{"sentences":[{"text":"there's a little bit of a change there and just gives you a little bit of more 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also be no capital gains tax within the super fund from selling the Bennelong and the hybrid investments to replace with the new ones.","start":375.03998,"end":386.245,"sentiment":"neutral","sentiment_score":0.2745451182126999},{"text":"So and that's mainly because of the underperformance with Bennelong.","start":386.245,"end":390.585,"sentiment":"neutral","sentiment_score":0.14575149938464166}],"sentiment":"positive","sentiment_score":0.4121819567722334,"channel":0,"num_words":71,"start":364.04498,"end":390.585},{"sentences":[{"text":"Yes.","start":391.87,"end":392.37,"sentiment":"neutral","sentiment_score":-0.08666528761386871}],"sentiment":"neutral","sentiment_score":-0.08666528761386871,"channel":1,"num_words":1,"start":391.87,"end":392.37},{"sentences":[{"text":"The disadvantages, which we always point out is that there's no guarantee with port the with any recommended portfolios that they're going to outperform.","start":393.285,"end":404.84998,"sentiment":"neutral","sentiment_score":-0.31760019436478615},{"text":"They you know, with investments that hold and wait.","start":405.71,"end":411.725,"sentiment":"neutral","sentiment_score":-0.2746973584095637},{"text":"We with your the changing of the investments, so the selling of Bannalong and the selling of the hybrids, there will be some brokerage fee incurred.","start":412.265,"end":426.43,"sentiment":"neutral","sentiment_score":-0.2965453364528142},{"text":"It's sits at point 11%, so it's minimal brokerage, which is why we do actually go with hub twenty four because they're the ones that are cheapest in the market.","start":429.53,"end":440.675,"sentiment":"neutral","sentiment_score":-0.08591882859667142},{"text":"We did I did consider a couple of other investment 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sorry.","start":500.995,"end":504.45502,"sentiment":"neutral","sentiment_score":0.15032452841599783},{"text":"A fee saving of about $335 a year.","start":504.515,"end":507.715,"sentiment":"neutral","sentiment_score":0.2563379853963852}],"sentiment":"neutral","sentiment_score":0.07651039798640542,"channel":0,"num_words":45,"start":482.605,"end":507.715},{"sentences":[{"text":"So it's better in your funds than the investment manager's pocket.","start":507.715,"end":511.095,"sentiment":"neutral","sentiment_score":0.3281297873366963}],"sentiment":"neutral","sentiment_score":0.3281297873366963,"channel":0,"num_words":11,"start":507.715,"end":511.095},{"sentences":[{"text":"Okay.","start":512.58,"end":513.08,"sentiment":"neutral","sentiment_score":0.1481073498725891}],"sentiment":"neutral","sentiment_score":0.1481073498725891,"channel":1,"num_words":1,"start":512.58,"end":513.08},{"sentences":[{"text":"And then the table below that is a projected 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all","start":1088.63,"end":1089.4501,"sentiment":"neutral","sentiment_score":-0.16509811580181122}],"sentiment":"neutral","sentiment_score":-0.19863462820649147,"channel":1,"num_words":4,"start":1087.8151,"end":1089.4501},{"sentences":[{"text":"No.","start":1090.07,"end":1090.57,"sentiment":"neutral","sentiment_score":-0.21639233827590945},{"text":"You're all good.","start":1090.7899,"end":1091.85,"sentiment":"neutral","sentiment_score":0.18346251547336578},{"text":"So, yeah,","start":1093.4299,"end":1094.07,"sentiment":"positive","sentiment_score":0.48364734649658203}],"sentiment":"neutral","sentiment_score":0.21688165018955866,"channel":0,"num_words":6,"start":1090.07,"end":1094.07},{"sentences":[{"text":"good.","start":1093.8301,"end":1094.0801,"sentiment":"positive","sentiment_score":0.5486888885498047}],"sentiment":"positive","sentiment_score":0.5486888885498047,"channel":1,"num_words":1,"start":1093.8301,"end":1094.0801},{"sentences":[{"text":"that's","start":1094.07,"end":1094.57,"sentiment":"positive","sentiment_score":0.33592212200164795}],"sentiment":"positive","sentiment_score":0.33592212200164795,"channel":0,"num_words":1,"start":1094.07,"end":1094.57},{"sentences":[{"text":"Yep.","start":1094.0801,"end":1094.5801,"sentiment":"neutral","sentiment_score":0.2677565813064575}],"sentiment":"neutral","sentiment_score":0.2677565813064575,"channel":1,"num_words":1,"start":1094.0801,"end":1094.5801},{"sentences":[{"text":"that's basically it from my end.","start":1094.63,"end":1097.13,"sentiment":"neutral","sentiment_score":0.13985634812464318},{"text":"If you're happy to make those changes to your investment for your superannuation investment funds, I just need you to sign that document, and we can get that underway for you.","start":1098.3099,"end":1110.275,"sentiment":"neutral","sentiment_score":0.3001024328893231}],"sentiment":"neutral","sentiment_score":0.2741165813058615,"channel":0,"num_words":37,"start":1094.63,"end":1110.275},{"sentences":[{"text":"Yeah.","start":1110.245,"end":1110.485,"sentiment":"neutral","sentiment_score":0.19024528563022616},{"text":"I just signed it now.","start":1110.485,"end":1112.105,"sentiment":"neutral","sentiment_score":0.27786449790000917}],"sentiment":"neutral","sentiment_score":0.2632612958550453,"channel":1,"num_words":6,"start":1110.245,"end":1112.105},{"sentences":[{"text":"Oh.","start":1112.255,"end":1112.755,"sentiment":"positive","sentiment_score":0.5367324352264404},{"text":"Perfect.","start":1112.895,"end":1113.395,"sentiment":"positive","sentiment_score":0.7581983804702759},{"text":"Beautiful.","start":1113.455,"end":1113.955,"sentiment":"positive","sentiment_score":0.7512197494506836},{"text":"Alright, Steven.","start":1114.74,"end":1115.7,"sentiment":"positive","sentiment_score":0.4907045364379883},{"text":"Any any other anything else that you need from me at this time?","start":1115.7,"end":1120.36,"sentiment":"neutral","sentiment_score":0.1609265563579706}],"sentiment":"neutral","sentiment_score":0.28442249281538856,"channel":0,"num_words":18,"start":1112.255,"end":1120.36},{"sentences":[{"text":"No.","start":1121.94,"end":1122.34,"sentiment":"neutral","sentiment_score":-0.3186761140823364},{"text":"Not all good.","start":1122.34,"end":1123.32,"sentiment":"negative","sentiment_score":-0.37348881860574085}],"sentiment":"negative","sentiment_score":-0.35978564247488976,"channel":1,"num_words":4,"start":1121.94,"end":1123.32},{"sentences":[{"text":"No.","start":1123.22,"end":1123.72,"sentiment":"neutral","sentiment_score":-0.2370036542415619},{"text":"Oh, lovely.","start":1124.02,"end":1125.0,"sentiment":"positive","sentiment_score":0.35576969385147095},{"text":"Alright.","start":1125.38,"end":1125.7,"sentiment":"neutral","sentiment_score":0.31934213638305664},{"text":"Well, I hope you enjoy your weekend,","start":1125.7,"end":1127.56,"sentiment":"positive","sentiment_score":0.6300556319100517}],"sentiment":"positive","sentiment_score":0.47311520847407257,"channel":0,"num_words":11,"start":1123.22,"end":1127.56},{"sentences":[{"text":"Will do.","start":1128.835,"end":1129.155,"sentiment":"positive","sentiment_score":0.5334944576025009},{"text":"Thank you.","start":1129.155,"end":1129.895,"sentiment":"positive","sentiment_score":0.6681092083454132}],"sentiment":"positive","sentiment_score":0.6008018329739571,"channel":1,"num_words":4,"start":1128.835,"end":1129.895},{"sentences":[{"text":"and and I look forward to speaking to you again soon.","start":1129.685,"end":1133.545,"sentiment":"positive","sentiment_score":0.6479670188643716}],"sentiment":"positive","sentiment_score":0.6479670188643716,"channel":0,"num_words":11,"start":1129.685,"end":1133.545},{"sentences":[{"text":"Okay.","start":1133.7949,"end":1134.2949,"sentiment":"neutral","sentiment_score":0.2981608510017395},{"text":"Thank you for","start":1134.4188,"end":1135.3188,"sentiment":"positive","sentiment_score":0.6298604806264242}],"sentiment":"positive","sentiment_score":0.546935573220253,"channel":1,"num_words":4,"start":1133.7949,"end":1135.3188},{"sentences":[{"text":"Thanks.","start":1135.2051,"end":1135.7051,"sentiment":"positive","sentiment_score":0.566106915473938}],"sentiment":"positive","sentiment_score":0.566106915473938,"channel":0,"num_words":1,"start":1135.2051,"end":1135.7051},{"sentences":[{"text":"that.","start":1135.5388,"end":1136.0388,"sentiment":"positive","sentiment_score":0.5366166830062866}],"sentiment":"positive","sentiment_score":0.5366166830062866,"channel":1,"num_words":1,"start":1135.5388,"end":1136.0388},{"sentences":[{"text":"Thank you.","start":1135.925,"end":1136.5651,"sentiment":"positive","sentiment_score":0.6129759848117828}],"sentiment":"positive","sentiment_score":0.6129759848117828,"channel":0,"num_words":2,"start":1135.925,"end":1136.5651},{"sentences":[{"text":"Uh-huh.","start":1136.3389,"end":1136.8389,"sentiment":"neutral","sentiment_score":0.2628050744533539}],"sentiment":"neutral","sentiment_score":0.2628050744533539,"channel":1,"num_words":1,"start":1136.3389,"end":1136.8389},{"sentences":[{"text":"Enjoy.","start":1136.5651,"end":1137.0651,"sentiment":"positive","sentiment_score":0.46572941541671753},{"text":"Bye.","start":1137.125,"end":1137.625,"sentiment":"neutral","sentiment_score":0.2570967376232147}],"sentiment":"positive","sentiment_score":0.3614130765199661,"channel":0,"num_words":2,"start":1136.5651,"end":1137.625},{"sentences":[{"text":"Uh-huh.","start":1137.5388,"end":1137.8589,"sentiment":"neutral","sentiment_score":0.10147552937269212},{"text":"Bye bye.","start":1137.8589,"end":1138.5989,"sentiment":"neutral","sentiment_score":-0.0021472759544849396}],"sentiment":"neutral","sentiment_score":0.032393659154574074,"channel":1,"num_words":3,"start":1137.5388,"end":1138.5989}]},"summary":{"result":"success","short":"Representatives from Oakview Financial provide advice on investment strategies and recommend a portfolio replacement with a low fee and minimal capital gains tax. They stress the benefits of the recommended portfolio and emphasize the importance of nominating a trusted individual for financial and health decisions. The process of rebalancing the portfolio is discussed, including the need for a 2,200 per week income for retirement and ongoing services. Tax advice is emphasized, and links to investment PDFs and the investment portfolio are provided."},"intents":{"segments":[{"text":"Before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Yep.","start_word":22,"end_word":47,"intents":[{"intent":"Confirm call recording","confidence_score":0.39846867}]},{"text":"And, Steven, can I ask you to confirm your full name, date of birth, and address, please? Yeah.","start_word":50,"end_word":67,"intents":[{"intent":"Confirm birthdate","confidence_score":0.0023899206},{"intent":"Confirm information","confidence_score":0.00011295238}]},{"text":"It's Steven Richard Kent. It's 1169, and it's 50 Hereford Road, Mount Evelyn, Victoria. Yep.","start_word":68,"end_word":82,"intents":[{"intent":"Confirm address","confidence_score":0.29215154}]},{"text":"I am just going to send you through an email that will have those attachments in there that we're gonna talk through. Do you have access to your emails at the moment?","start_word":127,"end_word":158,"intents":[{"intent":"Suggest email","confidence_score":0.0032020863}]},{"text":"Do you have access to your emails at the moment?","start_word":149,"end_word":158,"intents":[{"intent":"Inquire about access to emails","confidence_score":0.022461405}]},{"text":"And that will bring up the document that we're that just contains the recommended changes that I'm gonna talk through with you, if that's okay.","start_word":205,"end_word":229,"intents":[{"intent":"Provide recommendations","confidence_score":0.0024923626}]},{"text":"So we're going to look at reviewing your some of the investments within your superannuation fund that we talked about due to underperformance and other factors. And Yep.","start_word":353,"end_word":380,"intents":[{"intent":"Review investments","confidence_score":0.7180808}]},{"text":"So given that you're eleven years away, it's a bit early to start focusing on those goals presently, like tracking how Yep. you're doing going towards it. But we are over the next couple of reviews, in the next couple of years, we're still we that's where we'll start focusing on the retirement planning goals. Okay. Yep.","start_word":429,"end_word":485,"intents":[{"intent":"Focus on retirement planning goals","confidence_score":0.19836086}]},{"text":"The next couple of pages with the about you section, that's the information that we confirmed in our review. So in relation to your employment, your income, your assets, and liabilities. Yep.","start_word":548,"end_word":579,"intents":[{"intent":"Confirm information","confidence_score":0.4484588}]},{"text":"I just like to refresh just to make sure. Page 10 is where the recommendations actually begin.","start_word":640,"end_word":656,"intents":[{"intent":"Refresh page","confidence_score":0.15529525}]},{"text":"I just like to refresh just to make sure. Page 10 is where the recommendations actually begin. So there this is probably the crux of the document.","start_word":640,"end_word":666,"intents":[{"intent":"Recommend modifications","confidence_score":0.00029099555}]},{"text":"I've recommended that you retain your hub twenty four, for your hub twenty 4 account, but we're Yep.","start_word":668,"end_word":685,"intents":[{"intent":"Recommend holding a hub twenty four","confidence_score":0.00040553886}]},{"text":"gonna look at replacing the Bennelong investment, which was the underperforming asset with beta with the beta shares Yep.","start_word":685,"end_word":703,"intents":[{"intent":"Discuss replacing bennelong with annalong","confidence_score":0.0026205108}]},{"text":"So the the changes that we have recommended will save you a little bit each during fees. So it's actual the investment fees are actually lower, which is a great win.","start_word":797,"end_word":827,"intents":[{"intent":"Discuss saving money during fees and consideration of other investments","confidence_score":5.330319e-7}]},{"text":"We did I did consider a couple of other investment options. They were discounted because if I did proceed down those path, it would actually mean that you would realize a capital gains tax in your super fund of nearly $3,900, which is not optimal at all.","start_word":955,"end_word":1001,"intents":[{"intent":"Discuss alternative investment options","confidence_score":0.11758968},{"intent":"Discuss cost implications of remaining hub twenty four","confidence_score":7.7964546e-7}]},{"text":"We did I did consider a couple of other investment options. They were discounted because if I did proceed down those path, it would actually mean that you would realize a capital gains tax in your super fund of nearly $3,900, which is not optimal at all. Because I looked at another platform, MyNorth.","start_word":955,"end_word":1008,"intents":[{"intent":"Discuss a potential alternative platform","confidence_score":0.00026393196}]},{"text":"Because I looked at another platform, MyNorth.","start_word":1002,"end_word":1008,"intents":[{"intent":"Discuss the potential value of investing in my north","confidence_score":1.0030029e-9}]},{"text":"So what we do is we project out a five year and a ten year. And if you can see over the ten years, the recommended portfolio is estimated to outperform and give you a better performance of approximately $69,000 just due to and that's based on historical performance and also conservative figures that we use. So the Yeah.","start_word":1094,"end_word":1152,"intents":[{"intent":"Analyze portfolio performance","confidence_score":0.12096027}]},{"text":"So by rebalancing, we're bringing it back down to the eighty twenty split. Does that Okay.","start_word":1353,"end_word":1368,"intents":[{"intent":"Rebalancing portfolio","confidence_score":0.32691514}]},{"text":"for clients that are approaching retirement, but not quite needing that very detailed retirement income calculations at the moment.","start_word":1463,"end_word":1481,"intents":[{"intent":"Discussing retirement income calculation","confidence_score":0.0002455491}]},{"text":"for clients that are approaching retirement, but not quite needing that very detailed retirement income calculations at the moment. Based on our conversation, you said in retirement, you'd need about 2,200 a Yep.","start_word":1463,"end_word":1495,"intents":[{"intent":"Considering retirement age","confidence_score":0.029541012}]},{"text":"So this is just a very basic indication. And the green indicates your superannuation. So in order to reach that 2,200 per week in income, would look at some Centrelink age pension and then top up the difference between your superannuation with your superannuation running out at between age 91 and 92. Does that make sense?","start_word":1539,"end_word":1594,"intents":[{"intent":"Providing financial information","confidence_score":0.000051025425}]},{"text":"So you're tracking well to reaching your retirement goals, and we just gotta keep Yep. that that's what that tells us. We're just gonna keep going and doing what we're doing.","start_word":1597,"end_word":1627,"intents":[{"intent":"Report retirement goals","confidence_score":0.000101742}]},{"text":"The next the next page is a recommendation to establish a power of attorney.","start_word":1651,"end_word":1664,"intents":[{"intent":"Educate about power of attorney recommendations","confidence_score":0.02100761}]},{"text":"So it just refers to what page numbers those advice, the change of super and the power of attorney are on, and, again, a summary of the remuneration and how to implement the advice. Okay.","start_word":1974,"end_word":2008,"intents":[{"intent":"Explain investment process","confidence_score":0.01953543}]},{"text":"There's no product guarantee, so we cannot guarantee performance of investments. We just work with you to make sure that we're reviewing it regularly at our meetings.","start_word":2167,"end_word":2193,"intents":[{"intent":"Encourage investment review","confidence_score":0.002472456}]},{"text":"And the following page is a link to the investment PDFs for all the underlying investment funds that you hold we've recommended that you hold in your hub twenty four super funds. So if you have trouble sleeping, click one of those, and you'll fall asleep pretty quick. Yeah.","start_word":2210,"end_word":2258,"intents":[{"intent":"Recommend investment PDFs","confidence_score":0.01916593}]},{"text":"And then the last page is explains how our methodology in generating investment returns. Okay. Any questions?","start_word":2259,"end_word":2275,"intents":[{"intent":"Provide guidance on investment return generation","confidence_score":0.00006719384}]}]},"sentiments":{"segments":[{"text":"Hello. This is Steven speaking. Hi, Steven. It's Jenniferning here from Oakview Financial. How are you today?","start_word":0,"end_word":16,"sentiment":"neutral","sentiment_score":0.1013239324092865},{"text":"Good. Thank you. That's good.","start_word":17,"end_word":21,"sentiment":"positive","sentiment_score":0.6021857857704163},{"text":"Before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Yep. Thank you. And, Steven, can I ask you to confirm your full name, date of birth, and address, please? Yeah. It's Steven Richard Kent. It's 1169, and it's 50 Hereford Road, Mount Evelyn, Victoria. Yep.","start_word":22,"end_word":82,"sentiment":"neutral","sentiment_score":0.05035490170121193},{"text":"Wonderful. Thank you for confirming that. I appreciate it.","start_word":83,"end_word":91,"sentiment":"positive","sentiment_score":0.636865496635437},{"text":"The All good? purpose of my call today is to run through the advice following our recent annual review to look at implementing the changes. Do you have time to do that now? Yeah. Beautiful. I am just going to send you through an email that will have those attachments in there that we're gonna talk through. Do you have access to your emails at the moment? Yes. Yep. Yep. And you should receive something from myself or Odoo sign, and it would if you click on that, it's the same process that we do with the review. You just click on sign here to open up the documents. Stalling document. Yep. Yep. And that will bring up the document that we're that just contains the recommended changes that I'm gonna talk through with you, if that's okay. Good. So do you have that open? Yep. Yep. Beautiful. Okay. Well, this is a statement of advice. So it just contains the information relevant to what we talked about in your review. The cover page is just explaining who I am, and I'm the person providing advice to you. And the second page covers off on our best interest duties, which basically summarize states that any advice I provide you has to be in your best interest and place you in, excuse me, a a better financial situation. Yep. You've got the table of contents there, and then the next one is the scope of advice. So what that means is that's what this document covers, the advice in this document. Okay. So we're going to look at reviewing your some of the investments within your superannuation fund that we talked about due to underperformance and other factors. And Yep. then I identified that you should look at establishing a will and a power of attorney. So I've included that in this document for you also. Okay. What what's the next page says what's not in our scope of advice for this document is your retirement planning goals. So given that you're eleven years away, it's a bit early to start focusing on those goals presently, like tracking how Yep. you're doing going towards it. But we are over the next couple of reviews, in the next couple of years, we're still we that's where we'll start focusing on the retirement planning goals. Okay. Yep. The next page just explains that it this advice is limited if any of the information has not been provided to us is current or correct. Letting you know that I'm not a solicitor, so I can't draft wills or powers of attorney. And anything general insurance related like home and car for insurance, I can't give advice on. Yep. No worries. The next couple of pages with the about you section, that's the information that we confirmed in our review. So in relation to your employment, your income, your assets, and liabilities. Yep. And then the following page, page eight is your risk profile. So, during our most recent review, we talked through your current growth risk profile, and you agreed that that's something that you would like to maintain. So that's an 80% sorry. 80% allocation to growth assets and a 20% allocation to defensive assets. Do you recall that? Yep.","start_word":92,"end_word":638,"sentiment":"neutral","sentiment_score":0.035988426319505655},{"text":"Fantastic.","start_word":639,"end_word":639,"sentiment":"positive","sentiment_score":0.6564106941223145},{"text":"I just like to refresh just to make sure. Page 10 is where the recommendations actually begin. So there this is probably the crux of the document. I've recommended that you retain your hub twenty four, for your hub twenty 4 account, but we're Yep. gonna look at replacing the Bennelong investment, which was the underperforming asset with beta with the beta shares Yep. BetaShares Australian ETF and also replace the bank hybrid option with an with what we call what is called an iShares composite bond. So the the Bannalong was an Australian share investment, so is the replacement beta shares, and the bank hybrids was a defensive fixed interest type asset. The iShares is the same, but it's a you've got access to government and corporate bonds instead of bank bonds. So Okay. there's a little bit of a change there and just gives you a little bit of more diversification. Yep.","start_word":640,"end_word":793,"sentiment":"neutral","sentiment_score":0.06941363701669427},{"text":"The recommended port. So the the changes that we have recommended will save you a little bit each during fees. So it's actual the investment fees are actually lower, which is a great win.","start_word":794,"end_word":827,"sentiment":"positive","sentiment_score":0.6009852290153503},{"text":"And there will also be no capital gains tax within the super fund from selling the Bennelong and the hybrid investments to replace with the new ones. So and that's mainly because of the underperformance with Bennelong. Yes. The disadvantages, which we always point out is that there's no guarantee with port the with any recommended portfolios that they're going to outperform. They you know, with investments that hold and wait. We with your the changing of the investments, so the selling of Bannalong and the selling of the hybrids, there will be some brokerage fee incurred. It's sits at point 11%, so it's minimal brokerage, which is why we do actually go with hub twenty four because they're the ones that are cheapest in the market. We did I did consider a couple of other investment options.","start_word":828,"end_word":965,"sentiment":"neutral","sentiment_score":-0.11161242425441742},{"text":"They were discounted because if I did proceed down those path, it would actually mean that you would realize a capital gains tax in your super fund of nearly $3,900, which is not optimal at all.","start_word":966,"end_word":1001,"sentiment":"negative","sentiment_score":-0.4740634858608246},{"text":"Because I looked at another platform, MyNorth. But, again, as I mentioned Hub 24. So that's Yep.","start_word":1002,"end_word":1018,"sentiment":"neutral","sentiment_score":-0.1728084683418274},{"text":"why we didn't go down that path.","start_word":1019,"end_word":1025,"sentiment":"negative","sentiment_score":-0.40339213609695435},{"text":"Okay. Page 14 goes over a fee comparison. So you've got your current now that's costing you approximately $5,674 per year. The recommended one is gonna cost you $5,338 for per year. So it's an investment saving sorry. A fee saving of about $335 a year. So it's better in your funds than the investment manager's pocket. Okay. And then the table below that is a projected balance. So what we do is we project out a five year and a ten year.","start_word":1026,"end_word":1108,"sentiment":"neutral","sentiment_score":0.14118854701519012},{"text":"And if you can see over the ten years, the recommended portfolio is estimated to outperform and give you a better performance of approximately $69,000 just due to and that's based on historical performance and also conservative figures that we use. So the Yeah. recommended portfolio, we believe, will will pay place you in a better position.","start_word":1109,"end_word":1165,"sentiment":"positive","sentiment_score":0.3836019635200501},{"text":"Page 15 just shows you the annualized returns for your current portfolio versus the recommended one.","start_word":1166,"end_word":1181,"sentiment":"neutral","sentiment_score":0.20741218328475952},{"text":"You'll see that it outperforms in most areas overall.","start_word":1182,"end_word":1190,"sentiment":"positive","sentiment_score":0.44757387042045593},{"text":"And then the next page, it is a table showing you Yep. the investments that you presently have as well as the ones that we're going to change. So anything in red, we are selling, and then anything in black, we are purchasing. So you'll notice that we are selling some of the other investments within your portfolio. So for example, we're selling down a little bit of the global battery tech and lithium. That's because you're a little bit over weight in that compared to what we would ideally want you in. So we're we're doing what we call a rebalance at the same time. So we're gonna rebalance your portfolio back to a high growth investor. Because what happens over time is with portfolio growth, those growth assets become inflated. So you may start with a 80% allocation, but due to gross over a couple of years, that may then start to look at 90%, for example, of your portfolio. So by rebalancing, we're bringing it back down to the eighty twenty split. Does that Okay. make sense? Yep. Yep. Okay. So page 18 is the asset allocation. It it compares your existing versus the proposed, and you'll see that that rebalancing effect in there. So we're upping a little bit of an exposure to Australian equities, decreasing a bit of the exposure to us international, and bringing the total overall growth allocation down to 79% when it was sitting at about 81. And your defensive portfolio bumping that up a little bit to 21% as opposed to sitting at 19, what is it previously was? Yeah. Any questions No. for clients that are approaching retirement, but not quite needing that very detailed retirement income calculations at the moment. Based on our conversation, you said in retirement, you'd need about 2,200 a Yep. fortnight. And this shows us how, at the moment, where you're sitting, how you're tracking. So at the age of 67, you'll see the blue represents age pension based on your current personal financial situation. So, again, things could change down the track. So this is just a very basic indication. And the green indicates your superannuation. So in order to reach that 2,200 per week in income, would look at some Centrelink age pension and then top up the difference between your superannuation with your superannuation running out at between age 91 and 92. Does that make sense? Mhmm. Yep.","start_word":1191,"end_word":1596,"sentiment":"neutral","sentiment_score":0.07277831849940304},{"text":"So you're tracking well to reaching your retirement goals, and we just gotta keep Yep.","start_word":1597,"end_word":1611,"sentiment":"positive","sentiment_score":0.451903760433197},{"text":"that that's what that tells us.","start_word":1612,"end_word":1617,"sentiment":"neutral","sentiment_score":0.3279203474521637},{"text":"We're just gonna keep going and doing what we're doing. And as you're at the annual reviews, just identify any other areas where we can ensure that you're gonna reach those goals.","start_word":1618,"end_word":1649,"sentiment":"positive","sentiment_score":0.42246566340327263},{"text":"Okay. The next the next page is a recommendation to establish a power of attorney. I think we spoke briefly about that when in our review. It just allows you to nominate a trusted individual or individual individual or individual individual oh my gosh. It's Friday.","start_word":1650,"end_word":1695,"sentiment":"neutral","sentiment_score":0.20740874111652377},{"text":"I'm so sorry.","start_word":1696,"end_word":1698,"sentiment":"negative","sentiment_score":-0.35222893953323364},{"text":"That's To make decisions on your behalf if you're unable to. So I I guess, a common example would be if you're diagnosed with dementia, someone would be able to make financial and health decisions on your behalf. Yep. That needs to be done through a lawyer, or you can use state trustees to do that. And in some states, you can even download the document off the Internet and complete it yourself. Okay. The next page just outlines your ongoing services, which you you already have access to.","start_word":1699,"end_word":1787,"sentiment":"neutral","sentiment_score":0.10143127292394638},{"text":"So you'll always get your review as per your frequency request.","start_word":1788,"end_word":1798,"sentiment":"positive","sentiment_score":0.3762081265449524},{"text":"We're available at any time to discuss changes in circumstances or if you need to seek additional advice. So you're not just limited to your and your reviews and in order to to Yep. seek advice. Okay. The next page just covers up on some important info. So just to summarize, you have cooling off rights, which if you wanted to change any of the investments, you'd have fourteen days to do so. With the product disclosure statements that have been provided in this document, they're important to refer to if you have any questions. And then the final page is well, not the final, but heading towards the end. The next page is the ongoing remuneration. So that's that annual fee that we talked about in our review. Just repeat it again in here. So it's not additional for the annual review. It's the same one, but we have to incorporate it in the documents so that our clients can make fully informed decisions. Yep. The next page is the authority to proceed. So it just refers to what page numbers those advice, the change of super and the power of attorney are on, and, again, a summary of the remuneration and how to implement the advice. Okay. The second last page is where you would sign if you want to proceed. There's a space in there for you to type in anything if you do not wish to proceed with the advice. And the last page is my the adviser declaration. So that's about me that I declare that I've given you this advice, and that's a complete record of the advice that I've given to you and so on. Yep. The next document is the appendix to the statement of advice. It includes an overview of the different risk profiles that we use at Oakview Financial. It also explains important relationships. So the contents of the SOA is based on the information you've provided to us. The SOA is valid for sixty days. After that time, we need to redo it because that is based on the fact that people's financial situation is likely to have changed in that period of time or personal situation. There's no product guarantee, so we cannot guarantee performance of investments. We just work with you to make sure that we're reviewing it regularly at our meetings. Tax advice, I'm not able to provide tax advice outside of anything that's applicable to super. And the following page is a link to the investment PDFs for all the underlying investment funds that you hold we've recommended that you hold in your hub twenty four super funds. So if you have trouble sleeping, click one of those, and you'll fall asleep pretty quick. Yeah. And then the last page is explains how our methodology in generating investment returns. Okay. Any questions? No. No. That's all No. You're all good.","start_word":1799,"end_word":2283,"sentiment":"neutral","sentiment_score":0.1121648397949553},{"text":"So, yeah, good.","start_word":2284,"end_word":2286,"sentiment":"positive","sentiment_score":0.5053278803825378},{"text":"that's Yep. that's basically it from my end. If you're happy to make those changes to your investment for your superannuation investment funds, I just need you to sign that document, and we can get that underway for you. Yeah. I just signed it now.","start_word":2287,"end_word":2331,"sentiment":"neutral","sentiment_score":0.2706059707535638},{"text":"Oh. Perfect. Beautiful. Alright, Steven.","start_word":2332,"end_word":2336,"sentiment":"positive","sentiment_score":0.592725396156311},{"text":"Any any other anything else that you need from me at this time? No.","start_word":2337,"end_word":2350,"sentiment":"neutral","sentiment_score":0.10597217828035356},{"text":"Not all good.","start_word":2351,"end_word":2353,"sentiment":"negative","sentiment_score":-0.34226274490356445},{"text":"No.","start_word":2354,"end_word":2354,"sentiment":"neutral","sentiment_score":-0.2370036542415619},{"text":"Oh, lovely.","start_word":2355,"end_word":2356,"sentiment":"positive","sentiment_score":0.35576969385147095},{"text":"Alright.","start_word":2357,"end_word":2357,"sentiment":"neutral","sentiment_score":0.31934213638305664},{"text":"Well, I hope you enjoy your weekend, Will do. Thank you. and and I look forward to speaking to you again soon.","start_word":2358,"end_word":2379,"sentiment":"positive","sentiment_score":0.6122028231620789},{"text":"Okay.","start_word":2380,"end_word":2380,"sentiment":"neutral","sentiment_score":0.2981608510017395},{"text":"Thank you for Thanks. that. Thank you.","start_word":2381,"end_word":2387,"sentiment":"positive","sentiment_score":0.5927615165710449},{"text":"Uh-huh.","start_word":2388,"end_word":2388,"sentiment":"neutral","sentiment_score":0.2628050744533539},{"text":"Enjoy.","start_word":2389,"end_word":2389,"sentiment":"positive","sentiment_score":0.46572941541671753},{"text":"Bye. Uh-huh. Bye bye.","start_word":2390,"end_word":2393,"sentiment":"neutral","sentiment_score":0.15994201600551605}],"average":{"sentiment":"neutral","sentiment_score":0.09877384555715334}}}}