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Isn't that still a good time there for you? Yes. Fantastic. Maureen, before we jump into the call, I do have to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And just to do security there with you as well, I'll just get you to confirm your full name, your date of birth, and address I should have on file. Yeah. Lovely. Thank you so much for that. Lauren, last time we spoke and did your annual review, we were going back to have a bit of a look at your super fund to kinda review that plus the investment, see how things were tracking for you, and look to see if there's any new advice that we could provide to kinda keep you on track or update all of your circumstances. I've gone back and done some really in-depth research there for you, and I've actually got an updated plan to go through just to sort of show you the new recommendations I'm making. Do you happen to have access to your emails at all? If you don't, that's absolutely okay. Yeah. Beautiful. What I'm gonna do, I'm gonna email this document through to you. If you're able to jump in there and open it up for me, I've just pressed send there. Hopefully, it comes through. Love technology when it wants to work for us. So it said sent. How's everything been going for you at work? Fantastic. Oh, so good. Yeah. Yeah. Oh, fantastic. Yeah. Yeah. No. That's honestly okay. Being busy. I love this. This is busy for us this time of year as well. It's been pretty crazy. Been a very intense year, actually. The last sort of twelve months have just been insane with the amount of advice and the research and the updating, and it's been a lot, but it's been good. I like it when it's busy. It it sort of makes sure everything's moving, and there's lots of advice to give. So it's good to be able to keep you on track and help you meet your goals and update all of your circumstances, which is kind of cool. Beautiful. Beautiful. Now you can do this one or two ways. You can press the sign button, which allows you to go through and review the document. I'll never ask you to sign anything you haven't read through. Alternatively, on the front screen, you'll have some attachments. There's quite a few attachments below, and one of those is the statement of advice that you're able to open up that way as well. Perfect. So on the front page, it'll say statement of advice as prepared for yourself as of the 06/11/2026. So we date it for the date that we're presenting it because all of our advice is valid for sixty days. So it gives you plenty of time to be able to go back and read and review the recommendations then. On the bottom of that front page, it's got my licensing information for you. So I'm a licensed adviser registered with, and my license registration number is 1304394. Okay. As you are sort of scrolling through the first few pages there, we've outlined the areas that we have scoped in. So looking at for you. Your goal is to hopefully retire at age 65, if not beforehand. At the time, we talked about an income an annual income of about 72,000 per annum. That could definitely change. You're still very young, have a lot of working life ahead of you, so that could definitely change in the future. So that's kind of where we're tracking for at the moment for you. Okay? We talked about reviewing your super within BT, also reviewing your portfolio, how you invest it, and if there was anything out there that might be cheaper, might be working harder for you, and might put you in a better position moving forward and retaining you as a growth investor as well. Okay. We also sort of scoped in the estate planning side of things, just making sure that you are able to have a will power of attorney done up, making sure your beneficiaries remain in line with your wishes as well. You wanted to make sure that if in the event that something happened that your life and super could be paid out to Tim. We have a limited scope section on page number five. So your insurance, since you've got life and TBD, so life cover and ADL definition TBD cover, last time we spoke, you didn't really wanna change anything with that at the moment, and that's absolutely fine. So we are just keeping that as it is, not making any additional recommendations there. Just making sure it can remain paid out of your super for you. Okay? And then areas that we've scoped out, so you didn't wanna look at any income protection or trauma insurances, and that's absolutely fine. If at any point you wanted to look at anything additional, let me know. I'm more than happy to help you assess those. And you guys were also saving for a house deposit. You were able to put away about $500 a week at the time. How's that house deposit savings going? Have you managed to build up a bit more in that? Or not oh, nice. Nice. Nice. What kind of car did you end up getting? Beautiful. Everyone tells me they are so nice to drive. Awesome. Awesome. So we have that as a sort of a medium term goal. Scoping that out for now, we can always go back to the drawing board and look at that down the track for you as well. Okay? Excellent. To make this nice and easy, because I know you are busy, if you can scroll down for me just to page number so sorry. Page number 23 there. I'll run through essentially the recommendations I am making for you, and then I'll let you go back to review the rest of the document. With this document, all of those sections are outlined through the document there. I'll have advantages, disadvantages, risks involved, and any alternatives I've considered as well. I'll just run through the sections that I need to run through to sort of go through it all with you. Feel free to ask me any questions as we are kinda going through it as well. Okay? Perfect. So you can see the fee comparison table there, Laurence? Yeah. Beautiful. So with this one here, as I said, I did go back and have a really good look at your super, the investment that you're in currently. So you're in BT Panorama at the moment. Your current balance is about 130,000. You are paying administration fees, investment fees, the ongoing service fee, your contributions going in at your current rate based on your income, and also your insurance premium's being deducted there for the cover that you hold paid out of super. You are in a growth portfolio, and we had a bit of a look at how this has been performing. So the fund that you're in at the moment is more of an estimate separately managed account, and this sort of separately managed account is very hard to move or make changes to. So in order to basically move you in and out of the growth portfolio or make changes to your investments, we actually have to change the whole investment profile. So what I've done, I've had a really good look at how everything has been performing. The account that you're in, the super funds, and the investments that you're in at the moment has shown a five year rolling average of about 8.53%. Look. It's not a bad return by any means, but the whole goal here is to make your super work as hard as possible. So when I went back and had a really good look at BT, I actually found a super fund that's a bit cheaper. I have this I have made a recommendation to move you out of BT Panorama and into a super fund called Hub twenty four. So to give you a little bit of context, Hub twenty four, like BT, is a retail wrap platform. Hub twenty four actually has a lot more investment options on it, than BT Panorama does. Hub twenty four allows us to anywhere up to 1,178 different investment options. That's from managed funds, exchange rate of funds, right under individual shares and companies. So it has a lot more range of investments there. Hub twenty four is an Australian company as well, and it's ASX listed. So it's a very large company, Australian owned, and we like them because they give us access to a lot more investments. They're actually a bit cheaper than BT when you weigh up the total fees as well. And they also have what's called aggregated trading. So it means that when we go in to make trades on investments, we tell Hub twenty four what we wanna change within the investment ranges. They go into the back end to buy and sell those investments, but they do it in a more tax effective way for you. So BT Panorama doesn't give you access to aggregated trading, and it means that they can buy and sell in a more tax effective way so that it limits the amount of taxes that you would have to pay or your your super fund has to pay in order to change or alter the investment structures. And that's including with reinvesting as well. So when your contributions go in or when income is distributed into the fund, that all goes into the cash account. And then the in hub twenty four, they go in and they have to buy and sell and alter the investments and have that money reinvested for you. So they're able to do that in a more tax effective way. Because just like you and I do a tax return every year, your super fund also does a tax return every year. So it's just a really good way of being able to buy and sell investments, trying to limit or mitigate as much of the tax consequences for your super as possible, which makes which means that there's more money invested for you compounding and working harder over the longer term. Does that make sense? Yeah. So by moving into Hub twenty four and out of BT Panorama, we have calculated the tax consequences there. So, obviously, we would be selling everything out of BT and rolling it over into Hub twenty four for you. You'll see the tax consequence there at the 3,411. So we've gone back and had a look at all the capital gains and income that's being produced within your super fund and calculated that at the highest tax rate within super. So we can show that the estimated tax consequence for making the change would be about $3,411, which isn't too bad. Because when I had a look at your realized and unrealized capital gains, your super fund have made about 20,025 thousand dollars since you came on board and since you moved into BT Panorama. So it had done very well, and to come out with this small tax consequence for the rollover was really good and really happy with that. Okay? Beautiful. Now on the the recommended side there, you'll see within hub twenty four, once we do the rollover, the expected balance to be received would be a $126,005.89. That's your balance minus the CGT consequence. Inside hub twenty four, you'll see there are administration fees. Now the admin fee is slightly higher than BT Panorama. However, the investments fee fee is much lower. So you'd pay $37 more for the year for the admin fee, but we save $74 for the year in investment fees. So, overall, when you weigh up the two options, you're actually saving in fees overall, which means more money stays invested in your super. Does that make sense? Yeah. And because the balance is expected to be slightly lower once we complete the rollover, you're also gonna save an adviser fee. So our adviser fees are expected to save you $65 for the year as well, which is a bad thing in any way, shape, or form. Yeah. Now within the Hub 24 product, we are gonna invest you in our SMA. So we've actually recently set up our own separately managed account. An SMA or a separately managed account is an investment option. It's an investment option that is professionally managed on behalf of you. Essentially, it pulls investors' money together so we can buy shares at a much cheaper rate. We have our own SMA, which is fantastic. So if you just scroll down to the, sorry, if you scroll up for me just to page number 21, this is essentially what you would see in your super fund there. Yeah. So within Hub twenty four, we're putting you in the core product, and we'll have your funds distributed across two of our SMAs, the bloom and the evergreen. It's very similar to what you have within VP Panorama at the moment. The difference is this SMA is it's a IT SMA, so it's managed by us in our investment committee, but we also utilize BlackRock's investment team to manage this one. And the difference between the SMA that we have versus the one that iShares, you you were invested in with BT is that we can actually make changes to this SMA. So it's managed by us and BlackRock. And every three months at the moment, the BlackRock investment committee and our investment committee go in. They look at what's invested in there, and we can actually slot in and make changes to the investments within the SMA. So it means that whenever there are changes to the market, I think this year is probably a really good example of that where we saw the markets very heavily up and down in about March this year. The March 20 is probably when we saw the biggest dips occurring with what was happening between The US and Iran there. And so, essentially, with those ups and downs, our investment committee and the BlackRock team all met together. They had a look at what the investments were within the SMA there, and they actually made some changes in the back end, which made changes in everyone's super funds that were in the SMA as well. So having this kind of a product is a benefit to you because it means that we are able to make changes to investments depending on market conditions. Those changes don't require us to give you a new advice document. It just means that someone can go in the back end to make those changes so that you're always invested in the investments that are working harder. We don't have to annoy you and update advice every year just to make changes to your investment portfolio. So it's much more of an actively managed approach to investing within your super there. Does that make sense? And do you have any questions? Yeah. Oh, this is fantastic. That's essentially what we wanna do there. It'll essentially also provide you with greater diversification, and one of the biggest things we do as advisers is look at ways to mitigate risk. We can't mitigate a 100% of the risk in the market, but diversifying helps to mitigate as much risk as possible. And this SMA product essentially does help to provide the greatest level of diversification. And we get to use the BlackRock investment committees. They have this fantastic computer called Aladdin. And, essentially, we can go into there and add all these investment options in there, and it spits out a level of risk and it spits out diversification numbers, and it kind of goes into the microeconomics of what you're invested in and how the SMAs work, and it's really actually very, very cool on this end of things. Most people will probably consider it very, very boring. But it does help us to make sure that the SMAs are invested in a way that gives you diversification, helps to lower the risk level as much as possible, but also showing that it has got good ongoing returns and that your super is working harder. And when we sort of look at the SMA over the past five years, it has performed greater than the SMA product within BT that you're currently in. So if the market conditions work the way they have done, if we're able to get that 9.33% on a regular basis as a as a minimum, essentially, over the next five to ten years, you could see a greater level of growth to your super and be put in a much better position, which is also important with regards to the advice. Does that make sense? Do you have any questions? Oh, good. That's essentially the advice there. Once we do roll you over into hub twenty four, we will also just retain your life and TPD as it is, but we just wanna have that paid out of the hub twenty four super account. So we just get you to sign what's called an enduring rollover, and that changes where the premiums are paid from. It's very easy to complete. No additional questions required. We just put the information in there. So, essentially, once how this would be implemented for you is we'd start by opening the hub twenty four account there for you. We do a full rollover from BT, make sure to provide you with the contributions information for your employer so they can change what the contributions are paid to. Then we also complete that enduring rollover, have that signed and sent to Neos so that your insurance premiums are deducted out of the hub twenty four super account. And then we'll also help you to complete a beneficiary nomination to make sure that everything is up to date and in line with your wishes for estate planning as well. Does that all make sense? Yep. Fantastic. The only other thing to sort of may mention is the ongoing service fee. I did have in the projection table above there. That would just be reapplied to the new account as well. It's just 1.65% per annum. Again, with the ongoing service fee, it is deducted in smaller monthly increments, so it does fluctuate with the market and is tied to the performance of your super, which is great to see. And we do expect with the moving from one super fund to another with the capital gains consequences that BT were taking to account that that ongoing service fee should reduce a little bit for the first year as well, which is only a benefit to you. So yeah. Oh, good. Yeah. Thank you so much for that. Is there any questions or anything else that comes to mind, or did you want me to break anything down further for you? Or yep. Yeah. Absolutely. Yeah. Definitely. So what'll happen is my team will now get notified that you've signed the document there. They'll get started and do up Hub 24 application. Once that application has been signed and submitted to Hub, they'll open the account, and I'll get them to send that contributions form straight to you. That way you get the form quickly. So when we submit the rollover, it takes a couple of weeks for the funds to be rolled from one fund to another. But I'll make sure you get that contribution form nice and quickly. That way you can hand it off to your account team. Okay? That's that's okay. It's been an absolute pleasure to do the research for you. I really enjoyed putting this together, and I was excited that we could, you know, come up with another strategy that is able to put you in a really good position. And we wanna make sure we do regular catch ups again. So I know we spoke a few months ago to do your annual review, but did you want me to do a catch up in another maybe three or six months to sort of see how things are tracking for you? Yeah. Six months, Lauren. Just checking. Yep. Beautiful. Not a problem at all. Well, I will let you go because I know you are busy, but I thank you so much for your time. It's been a pleasure to put this together. And, yeah, once we get this all back, my team will be in contact to start implementing it for you. Not a problem at all, Laurie. Enjoy your day. Have a great day. Thanks. See you later. 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Lauren. It's Sandra from OC Financial. How are you this morning? I'm very well. Thank you.\n\nThanks for asking. I had people seem to go through an updated statement of advice. Isn't that still a good time there for you? Yes. Fantastic.\n\nMaureen, before we jump into the call, I do have to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And just to do security there with you as well, I'll just get you to confirm your full name, your date of birth, and address I should have on file. Yeah.\n\nLovely. Thank you so much for that. Lauren, last time we spoke and did your annual review, we were going back to have a bit of a look at your super fund to kinda review that plus the investment, see how things were tracking for you, and look to see if there's any new advice that we could provide to kinda keep you on track or update all of your circumstances. I've gone back and done some really in-depth research there for you, and I've actually got an updated plan to go through just to sort of show you the new recommendations I'm making. Do you happen to have access to your emails at all?\n\nIf you don't, that's absolutely okay. Yeah. Beautiful. What I'm gonna do, I'm gonna email this document through to you. If you're able to jump in there and open it up for me, I've just pressed send there.\n\nHopefully, it comes through. Love technology when it wants to work for us. So it said sent. How's everything been going for you at work? Fantastic.\n\nOh, so good. Yeah. Yeah. Oh, fantastic. Yeah.\n\nYeah. No. That's honestly okay. Being busy. I love this.\n\nThis is busy for us this time of year as well. It's been pretty crazy. Been a very intense year, actually. The last sort of twelve months have just been insane with the amount of advice and the research and the updating, and it's been a lot, but it's been good. I like it when it's busy.\n\nIt it sort of makes sure everything's moving, and there's lots of advice to give. So it's good to be able to keep you on track and help you meet your goals and update all of your circumstances, which is kind of cool. Beautiful. Beautiful. Now you can do this one or two ways.\n\nYou can press the sign button, which allows you to go through and review the document. I'll never ask you to sign anything you haven't read through. Alternatively, on the front screen, you'll have some attachments. There's quite a few attachments below, and one of those is the statement of advice that you're able to open up that way as well. Perfect.\n\nSo on the front page, it'll say statement of advice as prepared for yourself as of the 06/11/2026. So we date it for the date that we're presenting it because all of our advice is valid for sixty days. So it gives you plenty of time to be able to go back and read and review the recommendations then. On the bottom of that front page, it's got my licensing information for you. So I'm a licensed adviser registered with, and my license registration number is 1304394.\n\nOkay. As you are sort of scrolling through the first few pages there, we've outlined the areas that we have scoped in. So looking at for you. Your goal is to hopefully retire at age 65, if not beforehand. At the time, we talked about an income an annual income of about 72,000 per annum.\n\nThat could definitely change. You're still very young, have a lot of working life ahead of you, so that could definitely change in the future. So that's kind of where we're tracking for at the moment for you. Okay? We talked about reviewing your super within BT, also reviewing your portfolio, how you invest it, and if there was anything out there that might be cheaper, might be working harder for you, and might put you in a better position moving forward and retaining you as a growth investor as well.\n\nOkay. We also sort of scoped in the estate planning side of things, just making sure that you are able to have a will power of attorney done up, making sure your beneficiaries remain in line with your wishes as well. You wanted to make sure that if in the event that something happened that your life and super could be paid out to Tim. We have a limited scope section on page number five. So your insurance, since you've got life and TBD, so life cover and ADL definition TBD cover, last time we spoke, you didn't really wanna change anything with that at the moment, and that's absolutely fine.\n\nSo we are just keeping that as it is, not making any additional recommendations there. Just making sure it can remain paid out of your super for you. Okay? And then areas that we've scoped out, so you didn't wanna look at any income protection or trauma insurances, and that's absolutely fine. If at any point you wanted to look at anything additional, let me know.\n\nI'm more than happy to help you assess those. And you guys were also saving for a house deposit. You were able to put away about $500 a week at the time. How's that house deposit savings going? Have you managed to build up a bit more in that?\n\nOr not oh, nice. Nice. Nice. What kind of car did you end up getting? Beautiful.\n\nEveryone tells me they are so nice to drive. Awesome. Awesome. So we have that as a sort of a medium term goal. Scoping that out for now, we can always go back to the drawing board and look at that down the track for you as well.\n\nOkay? Excellent. To make this nice and easy, because I know you are busy, if you can scroll down for me just to page number so sorry. Page number 23 there. I'll run through essentially the recommendations I am making for you, and then I'll let you go back to review the rest of the document.\n\nWith this document, all of those sections are outlined through the document there. I'll have advantages, disadvantages, risks involved, and any alternatives I've considered as well. I'll just run through the sections that I need to run through to sort of go through it all with you. Feel free to ask me any questions as we are kinda going through it as well. Okay?\n\nPerfect. So you can see the fee comparison table there, Laurence? Yeah. Beautiful. So with this one here, as I said, I did go back and have a really good look at your super, the investment that you're in currently.\n\nSo you're in BT Panorama at the moment. Your current balance is about 130,000. You are paying administration fees, investment fees, the ongoing service fee, your contributions going in at your current rate based on your income, and also your insurance premium's being deducted there for the cover that you hold paid out of super. You are in a growth portfolio, and we had a bit of a look at how this has been performing. So the fund that you're in at the moment is more of an estimate separately managed account, and this sort of separately managed account is very hard to move or make changes to.\n\nSo in order to basically move you in and out of the growth portfolio or make changes to your investments, we actually have to change the whole investment profile. So what I've done, I've had a really good look at how everything has been performing. The account that you're in, the super funds, and the investments that you're in at the moment has shown a five year rolling average of about 8.53%. Look. It's not a bad return by any means, but the whole goal here is to make your super work as hard as possible.\n\nSo when I went back and had a really good look at BT, I actually found a super fund that's a bit cheaper. I have this I have made a recommendation to move you out of BT Panorama and into a super fund called Hub twenty four. So to give you a little bit of context, Hub twenty four, like BT, is a retail wrap platform. Hub twenty four actually has a lot more investment options on it, than BT Panorama does. Hub twenty four allows us to anywhere up to 1,178 different investment options.\n\nThat's from managed funds, exchange rate of funds, right under individual shares and companies. So it has a lot more range of investments there. Hub twenty four is an Australian company as well, and it's ASX listed. So it's a very large company, Australian owned, and we like them because they give us access to a lot more investments. They're actually a bit cheaper than BT when you weigh up the total fees as well.\n\nAnd they also have what's called aggregated trading. So it means that when we go in to make trades on investments, we tell Hub twenty four what we wanna change within the investment ranges. They go into the back end to buy and sell those investments, but they do it in a more tax effective way for you. So BT Panorama doesn't give you access to aggregated trading, and it means that they can buy and sell in a more tax effective way so that it limits the amount of taxes that you would have to pay or your your super fund has to pay in order to change or alter the investment structures. And that's including with reinvesting as well.\n\nSo when your contributions go in or when income is distributed into the fund, that all goes into the cash account. And then the in hub twenty four, they go in and they have to buy and sell and alter the investments and have that money reinvested for you. So they're able to do that in a more tax effective way. Because just like you and I do a tax return every year, your super fund also does a tax return every year. So it's just a really good way of being able to buy and sell investments, trying to limit or mitigate as much of the tax consequences for your super as possible, which makes which means that there's more money invested for you compounding and working harder over the longer term.\n\nDoes that make sense? Yeah. So by moving into Hub twenty four and out of BT Panorama, we have calculated the tax consequences there. So, obviously, we would be selling everything out of BT and rolling it over into Hub twenty four for you. You'll see the tax consequence there at the 3,411.\n\nSo we've gone back and had a look at all the capital gains and income that's being produced within your super fund and calculated that at the highest tax rate within super. So we can show that the estimated tax consequence for making the change would be about $3,411, which isn't too bad. Because when I had a look at your realized and unrealized capital gains, your super fund have made about 20,025 thousand dollars since you came on board and since you moved into BT Panorama. So it had done very well, and to come out with this small tax consequence for the rollover was really good and really happy with that. Okay?\n\nBeautiful. Now on the the recommended side there, you'll see within hub twenty four, once we do the rollover, the expected balance to be received would be a $126,005.89. That's your balance minus the CGT consequence. Inside hub twenty four, you'll see there are administration fees. Now the admin fee is slightly higher than BT Panorama.\n\nHowever, the investments fee fee is much lower. So you'd pay $37 more for the year for the admin fee, but we save $74 for the year in investment fees. So, overall, when you weigh up the two options, you're actually saving in fees overall, which means more money stays invested in your super. Does that make sense? Yeah.\n\nAnd because the balance is expected to be slightly lower once we complete the rollover, you're also gonna save an adviser fee. So our adviser fees are expected to save you $65 for the year as well, which is a bad thing in any way, shape, or form. Yeah. Now within the Hub 24 product, we are gonna invest you in our SMA. So we've actually recently set up our own separately managed account.\n\nAn SMA or a separately managed account is an investment option. It's an investment option that is professionally managed on behalf of you. Essentially, it pulls investors' money together so we can buy shares at a much cheaper rate. We have our own SMA, which is fantastic. So if you just scroll down to the, sorry, if you scroll up for me just to page number 21, this is essentially what you would see in your super fund there.\n\nYeah. So within Hub twenty four, we're putting you in the core product, and we'll have your funds distributed across two of our SMAs, the bloom and the evergreen. It's very similar to what you have within VP Panorama at the moment. The difference is this SMA is it's a IT SMA, so it's managed by us in our investment committee, but we also utilize BlackRock's investment team to manage this one. And the difference between the SMA that we have versus the one that iShares, you you were invested in with BT is that we can actually make changes to this SMA.\n\nSo it's managed by us and BlackRock. And every three months at the moment, the BlackRock investment committee and our investment committee go in. They look at what's invested in there, and we can actually slot in and make changes to the investments within the SMA. So it means that whenever there are changes to the market, I think this year is probably a really good example of that where we saw the markets very heavily up and down in about March this year. The March 20 is probably when we saw the biggest dips occurring with what was happening between The US and Iran there.\n\nAnd so, essentially, with those ups and downs, our investment committee and the BlackRock team all met together. They had a look at what the investments were within the SMA there, and they actually made some changes in the back end, which made changes in everyone's super funds that were in the SMA as well. So having this kind of a product is a benefit to you because it means that we are able to make changes to investments depending on market conditions. Those changes don't require us to give you a new advice document. It just means that someone can go in the back end to make those changes so that you're always invested in the investments that are working harder.\n\nWe don't have to annoy you and update advice every year just to make changes to your investment portfolio. So it's much more of an actively managed approach to investing within your super there. Does that make sense? And do you have any questions? Yeah.\n\nOh, this is fantastic. That's essentially what we wanna do there. It'll essentially also provide you with greater diversification, and one of the biggest things we do as advisers is look at ways to mitigate risk. We can't mitigate a 100% of the risk in the market, but diversifying helps to mitigate as much risk as possible. And this SMA product essentially does help to provide the greatest level of diversification.\n\nAnd we get to use the BlackRock investment committees. They have this fantastic computer called Aladdin. And, essentially, we can go into there and add all these investment options in there, and it spits out a level of risk and it spits out diversification numbers, and it kind of goes into the microeconomics of what you're invested in and how the SMAs work, and it's really actually very, very cool on this end of things. Most people will probably consider it very, very boring. But it does help us to make sure that the SMAs are invested in a way that gives you diversification, helps to lower the risk level as much as possible, but also showing that it has got good ongoing returns and that your super is working harder.\n\nAnd when we sort of look at the SMA over the past five years, it has performed greater than the SMA product within BT that you're currently in. So if the market conditions work the way they have done, if we're able to get that 9.33% on a regular basis as a as a minimum, essentially, over the next five to ten years, you could see a greater level of growth to your super and be put in a much better position, which is also important with regards to the advice. Does that make sense? Do you have any questions? Oh, good.\n\nThat's essentially the advice there. Once we do roll you over into hub twenty four, we will also just retain your life and TPD as it is, but we just wanna have that paid out of the hub twenty four super account. So we just get you to sign what's called an enduring rollover, and that changes where the premiums are paid from. It's very easy to complete. No additional questions required.\n\nWe just put the information in there. So, essentially, once how this would be implemented for you is we'd start by opening the hub twenty four account there for you. We do a full rollover from BT, make sure to provide you with the contributions information for your employer so they can change what the contributions are paid to. Then we also complete that enduring rollover, have that signed and sent to Neos so that your insurance premiums are deducted out of the hub twenty four super account. And then we'll also help you to complete a beneficiary nomination to make sure that everything is up to date and in line with your wishes for estate planning as well.\n\nDoes that all make sense? Yep. Fantastic. The only other thing to sort of may mention is the ongoing service fee. I did have in the projection table above there.\n\nThat would just be reapplied to the new account as well. It's just 1.65% per annum. Again, with the ongoing service fee, it is deducted in smaller monthly increments, so it does fluctuate with the market and is tied to the performance of your super, which is great to see. And we do expect with the moving from one super fund to another with the capital gains consequences that BT were taking to account that that ongoing service fee should reduce a little bit for the first year as well, which is only a benefit to you. So yeah.\n\nOh, good. Yeah. Thank you so much for that. Is there any questions or anything else that comes to mind, or did you want me to break anything down further for you? Or yep.\n\nYeah. Absolutely. Yeah. Definitely. So what'll happen is my team will now get notified that you've signed the document there.\n\nThey'll get started and do up Hub 24 application. Once that application has been signed and submitted to Hub, they'll open the account, and I'll get them to send that contributions form straight to you. That way you get the form quickly. So when we submit the rollover, it takes a couple of weeks for the funds to be rolled from one fund to another. But I'll make sure you get that contribution form nice and quickly.\n\nThat way you can hand it off to your account team. Okay? That's that's okay. It's been an absolute pleasure to do the research for you. I really enjoyed putting this together, and I was excited that we could, you know, come up with another strategy that is able to put you in a really good position.\n\nAnd we wanna make sure we do regular catch ups again. So I know we spoke a few months ago to do your annual review, but did you want me to do a catch up in another maybe three or six months to sort of see how things are tracking for you? Yeah. Six months, Lauren. Just checking.\n\nYep. Beautiful. Not a problem at all. Well, I will let you go because I know you are busy, but I thank you so much for your time. It's been a pleasure to put this together.\n\nAnd, yeah, once we get this all back, my team will be in contact to start implementing it for you. Not a problem at all, Laurie. Enjoy your day. Have a great day. Thanks.\n\nSee you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Lauren.","start":1.68,"end":2.24,"sentiment":"neutral","sentiment_score":0.12118703871965408},{"text":"It's Sandra from OC Financial.","start":2.24,"end":3.86,"sentiment":"neutral","sentiment_score":0.14045352339744568},{"text":"How are you this morning?","start":4.0,"end":5.22,"sentiment":"neutral","sentiment_score":0.19728704690933227},{"text":"I'm very well.","start":7.44,"end":8.4,"sentiment":"positive","sentiment_score":0.49271491169929504},{"text":"Thank you.","start":8.4,"end":8.88,"sentiment":"positive","sentiment_score":0.569568932056427}],"sentiment":"neutral","sentiment_score":0.2675505604814081,"num_words":17,"start":1.68,"end":8.88},{"sentences":[{"text":"Thanks for asking.","start":8.88,"end":9.76,"sentiment":"positive","sentiment_score":0.5127218166987101},{"text":"I had people seem to go through an updated statement of advice.","start":9.76,"end":12.559999,"sentiment":"neutral","sentiment_score":0.029850719186166923},{"text":"Isn't that still a good time there for you?","start":12.559999,"end":14.66,"sentiment":"neutral","sentiment_score":0.03131055417988035},{"text":"Yes.","start":16.295,"end":16.615,"sentiment":"neutral","sentiment_score":0.1899897903203964},{"text":"Fantastic.","start":16.615,"end":17.115,"sentiment":"positive","sentiment_score":0.4531745910644531}],"sentiment":"neutral","sentiment_score":0.108512824974381,"num_words":26,"start":8.88,"end":17.115},{"sentences":[{"text":"Maureen, before we jump into the call, I do have to let you know we do record our calls for quality and training purposes.","start":17.655,"end":22.455,"sentiment":"neutral","sentiment_score":0.16800072540839514},{"text":"Are you happy for me to proceed with that?","start":22.455,"end":24.475,"sentiment":"neutral","sentiment_score":0.1586063868469662},{"text":"Fantastic.","start":26.055,"end":26.555,"sentiment":"positive","sentiment_score":0.5284748077392578},{"text":"And just to do security there with you as well, I'll just get you to confirm your full name, your date of birth, and address I should have on file.","start":26.695,"end":32.65,"sentiment":"neutral","sentiment_score":0.20354777425527573},{"text":"Yeah.","start":35.670002,"end":36.170002,"sentiment":"neutral","sentiment_score":0.033930692821741104}],"sentiment":"neutral","sentiment_score":0.18658944030220692,"num_words":65,"start":17.655,"end":36.170002},{"sentences":[{"text":"Lovely.","start":41.03,"end":41.43,"sentiment":"positive","sentiment_score":0.4222064018249512},{"text":"Thank you so much for that.","start":41.43,"end":43.005,"sentiment":"positive","sentiment_score":0.6001347005367279},{"text":"Lauren, last time we spoke and did your annual review, we were going back to have a bit of a look at your super fund to kinda review that plus the investment, see how things were tracking for you, and look to see if there's any new advice that we could provide to kinda keep you on track or update all of your circumstances.","start":43.405003,"end":58.145,"sentiment":"neutral","sentiment_score":0.14377982076257467},{"text":"I've gone back and done some really in-depth research there for you, and I've actually got an updated plan to go through just to sort of show you the new recommendations I'm making.","start":59.91,"end":68.17,"sentiment":"neutral","sentiment_score":0.12554872013402707},{"text":"Do you happen to have access to your emails at all?","start":68.71,"end":71.67,"sentiment":"neutral","sentiment_score":0.015608328987251629}],"sentiment":"neutral","sentiment_score":0.15251932623593703,"num_words":115,"start":41.03,"end":71.67},{"sentences":[{"text":"If you don't, that's absolutely okay.","start":71.67,"end":73.69,"sentiment":"neutral","sentiment_score":0.007330017630010844},{"text":"Yeah.","start":75.905,"end":76.305,"sentiment":"neutral","sentiment_score":0.16221728920936584},{"text":"Beautiful.","start":76.305,"end":76.705,"sentiment":"positive","sentiment_score":0.35335344076156616},{"text":"What I'm gonna do, I'm gonna email this document through to you.","start":76.705,"end":79.905,"sentiment":"neutral","sentiment_score":0.20507644737760225},{"text":"If you're able to jump in there and open it up for me, I've just pressed send there.","start":79.905,"end":86.405,"sentiment":"neutral","sentiment_score":0.16512077094780075}],"sentiment":"neutral","sentiment_score":0.15770110740375362,"num_words":38,"start":71.67,"end":86.405},{"sentences":[{"text":"Hopefully, it comes through.","start":88.159996,"end":89.52,"sentiment":"neutral","sentiment_score":0.15533454343676567},{"text":"Love technology when it wants to work for us.","start":89.52,"end":91.92,"sentiment":"neutral","sentiment_score":0.22492168015903896},{"text":"So it said sent.","start":91.92,"end":93.38,"sentiment":"neutral","sentiment_score":0.0335885239765048},{"text":"How's everything been going for you at work?","start":95.35999,"end":97.7,"sentiment":"neutral","sentiment_score":0.04858146654441953},{"text":"Fantastic.","start":99.92,"end":100.42,"sentiment":"neutral","sentiment_score":0.32182425260543823}],"sentiment":"neutral","sentiment_score":0.1342485913863549,"num_words":26,"start":88.159996,"end":100.42},{"sentences":[{"text":"Oh, so good.","start":101.119995,"end":102.34,"sentiment":"neutral","sentiment_score":0.17507052918275198},{"text":"Yeah.","start":105.615,"end":106.115,"sentiment":"neutral","sentiment_score":0.06743495166301727},{"text":"Yeah.","start":108.975,"end":109.475,"sentiment":"neutral","sentiment_score":0.2739541828632355},{"text":"Oh, fantastic.","start":110.015,"end":111.315,"sentiment":"neutral","sentiment_score":0.3184031620621681},{"text":"Yeah.","start":115.854996,"end":116.354996,"sentiment":"neutral","sentiment_score":0.04929863661527634}],"sentiment":"neutral","sentiment_score":0.19408821035176516,"num_words":8,"start":101.119995,"end":116.354996},{"sentences":[{"text":"Yeah.","start":117.055,"end":117.555,"sentiment":"neutral","sentiment_score":0.07423420250415802},{"text":"No.","start":124.0,"end":124.24,"sentiment":"neutral","sentiment_score":0.003521963953971863},{"text":"That's honestly okay.","start":124.24,"end":126.02,"sentiment":"neutral","sentiment_score":0.03116452197233836},{"text":"Being busy.","start":126.4,"end":127.22,"sentiment":"neutral","sentiment_score":0.18998787552118301},{"text":"I love this.","start":127.28,"end":127.84,"sentiment":"positive","sentiment_score":0.6050508419672648}],"sentiment":"neutral","sentiment_score":0.23663780093193054,"num_words":10,"start":117.055,"end":127.84},{"sentences":[{"text":"This is busy for us this time of year as well.","start":127.84,"end":129.76,"sentiment":"neutral","sentiment_score":0.16104863719506698},{"text":"It's been pretty crazy.","start":129.76,"end":130.98,"sentiment":"neutral","sentiment_score":0.042461661621928215},{"text":"Been a very intense year, actually.","start":131.2,"end":132.8,"sentiment":"neutral","sentiment_score":0.006108978142340978},{"text":"The last sort of twelve months have just been insane with the amount of advice and the research and the updating, and it's been a lot, but it's been good.","start":132.8,"end":140.165,"sentiment":"neutral","sentiment_score":0.14186264276504518},{"text":"I like it when it's busy.","start":140.165,"end":141.28499,"sentiment":"positive","sentiment_score":0.6808794637521108}],"sentiment":"neutral","sentiment_score":0.1810384489465178,"num_words":57,"start":127.84,"end":141.28499},{"sentences":[{"text":"It it sort of makes sure everything's moving, and there's lots of advice to give.","start":141.28499,"end":144.72499,"sentiment":"positive","sentiment_score":0.5141835470994314},{"text":"So it's good to be able to keep you on track and help you meet your goals and update all of your circumstances, which is kind of cool.","start":144.72499,"end":151.12,"sentiment":"positive","sentiment_score":0.5662470960191318},{"text":"Beautiful.","start":154.06,"end":154.56,"sentiment":"positive","sentiment_score":0.6011821031570435},{"text":"Beautiful.","start":154.85999,"end":155.34,"sentiment":"positive","sentiment_score":0.5091785192489624},{"text":"Now you can do this one or two ways.","start":155.34,"end":157.42,"sentiment":"neutral","sentiment_score":0.1219730277856191}],"sentiment":"positive","sentiment_score":0.4773294401389581,"num_words":54,"start":141.28499,"end":157.42},{"sentences":[{"text":"You can press the sign button, which allows you to go through and review the document.","start":157.42,"end":161.09999,"sentiment":"neutral","sentiment_score":0.1018384019844234},{"text":"I'll never ask you to sign anything you haven't read through.","start":161.09999,"end":163.895,"sentiment":"neutral","sentiment_score":0.07346637411551042},{"text":"Alternatively, on the front screen, you'll have some attachments.","start":164.275,"end":167.475,"sentiment":"neutral","sentiment_score":0.04819995289047559},{"text":"There's quite a few attachments below, and one of those is the statement of advice that you're able to open up that way as well.","start":167.475,"end":174.535,"sentiment":"neutral","sentiment_score":0.0725503070652485},{"text":"Perfect.","start":181.94,"end":182.44,"sentiment":"neutral","sentiment_score":0.27246254682540894}],"sentiment":"neutral","sentiment_score":0.07996071526600469,"num_words":62,"start":157.42,"end":182.44},{"sentences":[{"text":"So on the front page, it'll say statement of advice as prepared for yourself as of the 06/11/2026.","start":182.65999,"end":188.73999,"sentiment":"neutral","sentiment_score":0.08220336565540896},{"text":"So we date it for the date that we're presenting it because all of our advice is valid for sixty days.","start":188.73999,"end":193.635,"sentiment":"neutral","sentiment_score":0.06608897341149193},{"text":"So it gives you plenty of time to be able to go back and read and review the recommendations then.","start":193.635,"end":199.415,"sentiment":"neutral","sentiment_score":0.13417351618409157},{"text":"On the bottom of that front page, it's got my licensing information for you.","start":199.635,"end":203.155,"sentiment":"neutral","sentiment_score":0.050240032374858856},{"text":"So I'm a licensed adviser registered with, and my license registration number is 1304394.","start":203.155,"end":209.58,"sentiment":"neutral","sentiment_score":0.04217104560562542}],"sentiment":"neutral","sentiment_score":0.0786753383775552,"num_words":87,"start":182.65999,"end":209.58},{"sentences":[{"text":"Okay.","start":211.08,"end":211.32,"sentiment":"neutral","sentiment_score":0.04314300790429115},{"text":"As you are sort of scrolling through the first few pages there, we've outlined the areas that we have scoped in.","start":211.32,"end":216.36,"sentiment":"neutral","sentiment_score":0.04385741933115891},{"text":"So looking at for you.","start":216.36,"end":218.775,"sentiment":"neutral","sentiment_score":0.07122212126851082},{"text":"Your goal is to hopefully retire at age 65, if not beforehand.","start":218.835,"end":222.295,"sentiment":"neutral","sentiment_score":0.16932092110315958},{"text":"At the time, we talked about an income an annual income of about 72,000 per annum.","start":223.075,"end":228.055,"sentiment":"neutral","sentiment_score":0.13337551010772586}],"sentiment":"neutral","sentiment_score":0.09974761154841293,"num_words":55,"start":211.08,"end":228.055},{"sentences":[{"text":"That could definitely change.","start":228.355,"end":229.475,"sentiment":"neutral","sentiment_score":0.31071043759584427},{"text":"You're still very young, have a lot of working life ahead of you, so that could definitely change in the future.","start":229.475,"end":234.40999,"sentiment":"neutral","sentiment_score":0.23735946203981126},{"text":"So that's kind of where we're tracking for at the moment for you.","start":234.40999,"end":237.37,"sentiment":"neutral","sentiment_score":0.16451758834031913},{"text":"Okay?","start":237.37,"end":237.87,"sentiment":"neutral","sentiment_score":0.11750565469264984},{"text":"We talked about reviewing your super within BT, also reviewing your portfolio, how you invest it, and if there was anything out there that might be cheaper, might be working harder for you, and might put you in a better position moving forward and retaining you as a growth investor as well.","start":239.68999,"end":254.955,"sentiment":"neutral","sentiment_score":0.2743556287426215}],"sentiment":"neutral","sentiment_score":0.25000129066980803,"num_words":91,"start":228.355,"end":254.955},{"sentences":[{"text":"Okay.","start":255.015,"end":255.515,"sentiment":"neutral","sentiment_score":0.1671583652496338},{"text":"We also sort of scoped in the estate planning side of things, just making sure that you are able to have a will power of attorney done up, making sure your beneficiaries remain in line with your wishes as well.","start":257.335,"end":267.86002,"sentiment":"neutral","sentiment_score":0.18685509748756884},{"text":"You wanted to make sure that if in the event that something happened that your life and super could be paid out to Tim.","start":267.86002,"end":273.495,"sentiment":"neutral","sentiment_score":0.14655144171168408},{"text":"We have a limited scope section on page number five.","start":274.915,"end":278.835,"sentiment":"neutral","sentiment_score":0.05981006436049938},{"text":"So your insurance, since you've got life and TBD, so life cover and ADL definition TBD cover, last time we spoke, you didn't really wanna change anything with that at the moment, and that's absolutely fine.","start":278.835,"end":290.16,"sentiment":"neutral","sentiment_score":0.034355342523970954}],"sentiment":"neutral","sentiment_score":0.11705846702973652,"num_words":111,"start":255.015,"end":290.16},{"sentences":[{"text":"So we are just keeping that as it is, not making any additional recommendations there.","start":290.16,"end":294.72,"sentiment":"neutral","sentiment_score":0.10671853298942248},{"text":"Just making sure it can remain paid out of your super for you.","start":294.72,"end":298.63998,"sentiment":"neutral","sentiment_score":0.17503919509740976},{"text":"Okay?","start":298.63998,"end":299.13998,"sentiment":"neutral","sentiment_score":0.07920205593109131},{"text":"And then areas that we've scoped out, so you didn't wanna look at any income protection or trauma insurances, and that's absolutely fine.","start":301.115,"end":307.995,"sentiment":"neutral","sentiment_score":0.04764399547939715},{"text":"If at any point you wanted to look at anything additional, let me know.","start":307.995,"end":311.275,"sentiment":"neutral","sentiment_score":0.06591863983443805}],"sentiment":"neutral","sentiment_score":0.09051761273859125,"num_words":66,"start":290.16,"end":311.275},{"sentences":[{"text":"I'm more than happy to help you assess those.","start":311.275,"end":313.535,"sentiment":"positive","sentiment_score":0.4602699312898848},{"text":"And you guys were also saving for a house deposit.","start":314.18,"end":316.97998,"sentiment":"neutral","sentiment_score":0.21299250721931456},{"text":"You were able to put away about $500 a week at the time.","start":316.97998,"end":320.44,"sentiment":"neutral","sentiment_score":0.2403728228348952},{"text":"How's that house deposit savings going?","start":320.82,"end":323.06,"sentiment":"neutral","sentiment_score":0.18671701103448868},{"text":"Have you managed to build up a bit more in that?","start":323.06,"end":325.13998,"sentiment":"neutral","sentiment_score":0.0627728399227966}],"sentiment":"neutral","sentiment_score":0.22873478481660084,"num_words":49,"start":311.275,"end":325.13998},{"sentences":[{"text":"Or not oh, nice.","start":325.13998,"end":330.22498,"sentiment":"neutral","sentiment_score":0.05430194106884301},{"text":"Nice.","start":331.565,"end":331.88498,"sentiment":"positive","sentiment_score":0.42312300205230713},{"text":"Nice.","start":331.88498,"end":332.365,"sentiment":"positive","sentiment_score":0.38514620065689087},{"text":"What kind of car did you end up getting?","start":332.365,"end":334.22498,"sentiment":"neutral","sentiment_score":0.021308826722411647},{"text":"Beautiful.","start":337.565,"end":338.065,"sentiment":"positive","sentiment_score":0.7002596855163574}],"sentiment":"neutral","sentiment_score":0.11984475581266452,"num_words":16,"start":325.13998,"end":338.065},{"sentences":[{"text":"Everyone tells me they are so nice to drive.","start":338.125,"end":340.78497,"sentiment":"positive","sentiment_score":0.7458990083800422},{"text":"Awesome.","start":343.61002,"end":344.11002,"sentiment":"positive","sentiment_score":0.829488217830658},{"text":"Awesome.","start":344.25,"end":344.75,"sentiment":"positive","sentiment_score":0.7234349250793457},{"text":"So we have that as a sort of a medium term goal.","start":345.05002,"end":347.53,"sentiment":"positive","sentiment_score":0.3390893836816152},{"text":"Scoping that out for now, we can always go back to the drawing board and look at that down the track for you as well.","start":347.53,"end":353.61002,"sentiment":"neutral","sentiment_score":0.23378218472003937}],"sentiment":"positive","sentiment_score":0.3787425300106406,"num_words":48,"start":338.125,"end":353.61002},{"sentences":[{"text":"Okay?","start":353.61002,"end":354.11002,"sentiment":"neutral","sentiment_score":0.09630507230758668},{"text":"Excellent.","start":355.415,"end":355.915,"sentiment":"positive","sentiment_score":0.4949968755245209},{"text":"To make this nice and easy, because I know you are busy, if you can scroll down for me just to page number so sorry.","start":355.975,"end":362.955,"sentiment":"neutral","sentiment_score":0.21020586878061295},{"text":"Page number 23 there.","start":363.655,"end":365.495,"sentiment":"neutral","sentiment_score":0.05314561817795038},{"text":"I'll run through essentially the recommendations I am making for you, and then I'll let you go back to review the rest of the document.","start":365.495,"end":371.81,"sentiment":"neutral","sentiment_score":0.1429746901988983}],"sentiment":"neutral","sentiment_score":0.17202497133985162,"num_words":56,"start":353.61002,"end":371.81},{"sentences":[{"text":"With this document, all of those sections are outlined through the document there.","start":372.99002,"end":377.07,"sentiment":"neutral","sentiment_score":0.09122713884482017},{"text":"I'll have advantages, disadvantages, risks involved, and any alternatives I've considered as well.","start":377.07,"end":382.13,"sentiment":"neutral","sentiment_score":0.08024109599108879},{"text":"I'll just run through the sections that I need to run through to sort of go through it all with you.","start":382.43,"end":386.67502,"sentiment":"neutral","sentiment_score":0.13491515318552652},{"text":"Feel free to ask me any questions as we are kinda going through it as well.","start":386.67502,"end":390.11502,"sentiment":"neutral","sentiment_score":0.16093636490404606},{"text":"Okay?","start":390.11502,"end":390.61502,"sentiment":"neutral","sentiment_score":0.06844981014728546}],"sentiment":"neutral","sentiment_score":0.12040213934960775,"num_words":64,"start":372.99002,"end":390.61502},{"sentences":[{"text":"Perfect.","start":392.355,"end":392.855,"sentiment":"neutral","sentiment_score":0.24820762872695923},{"text":"So you can see the fee comparison table there, Laurence?","start":394.275,"end":397.335,"sentiment":"neutral","sentiment_score":0.06982381120324135},{"text":"Yeah.","start":398.81998,"end":399.06,"sentiment":"neutral","sentiment_score":0.14909639954566956},{"text":"Beautiful.","start":399.06,"end":399.56,"sentiment":"neutral","sentiment_score":0.29910874366760254},{"text":"So with this one here, as I said, I did go back and have a really good look at your super, the investment that you're in currently.","start":400.09998,"end":405.46,"sentiment":"neutral","sentiment_score":0.15117906972214026}],"sentiment":"neutral","sentiment_score":0.1369121441617608,"num_words":40,"start":392.355,"end":405.46},{"sentences":[{"text":"So you're in BT Panorama at the moment.","start":405.46,"end":407.69998,"sentiment":"neutral","sentiment_score":0.0591587433591485},{"text":"Your current balance is about 130,000.","start":407.69998,"end":410.19998,"sentiment":"neutral","sentiment_score":0.04685742656389872},{"text":"You are paying administration fees, investment fees, the ongoing service fee, your contributions going in at your current rate based on your income, and also your insurance premium's being deducted there for the cover that you hold paid out of super.","start":410.835,"end":424.215,"sentiment":"neutral","sentiment_score":0.053279917414595444},{"text":"You are in a growth portfolio, and we had a bit of a look at how this has been performing.","start":424.61002,"end":429.25,"sentiment":"neutral","sentiment_score":0.041491360403597355},{"text":"So the fund that you're in at the moment is more of an estimate separately managed account, and this sort of separately managed account is very hard to move or make changes to.","start":429.25,"end":439.01,"sentiment":"neutral","sentiment_score":-0.09823950385731278}],"sentiment":"neutral","sentiment_score":0.004877913898477952,"num_words":108,"start":405.46,"end":439.01},{"sentences":[{"text":"So in order to basically move you in and out of the growth portfolio or make changes to your investments, we actually have to change the whole investment profile.","start":439.01,"end":449.07498,"sentiment":"neutral","sentiment_score":-0.01926230446531855},{"text":"So what I've done, I've had a really good look at how everything has been performing.","start":450.25497,"end":454.12,"sentiment":"neutral","sentiment_score":0.23799165891250595},{"text":"The account that you're in, the super funds, and the investments that you're in at the moment has shown a five year rolling average of about 8.53%.","start":454.41998,"end":463.46,"sentiment":"neutral","sentiment_score":0.280384729857798},{"text":"Look.","start":463.46,"end":463.69998,"sentiment":"positive","sentiment_score":0.4539565145969391},{"text":"It's not a bad return by any means, but the whole goal here is to make your super work as hard as possible.","start":463.69998,"end":469.785,"sentiment":"positive","sentiment_score":0.46598487833271857}],"sentiment":"neutral","sentiment_score":0.22907558474495696,"num_words":96,"start":439.01,"end":469.785},{"sentences":[{"text":"So when I went back and had a really good look at BT, I actually found a super fund that's a bit cheaper.","start":470.245,"end":475.385,"sentiment":"positive","sentiment_score":0.43724988660086755},{"text":"I have this I have made a recommendation to move you out of BT Panorama and into a super fund called Hub twenty four.","start":476.165,"end":482.74002,"sentiment":"neutral","sentiment_score":0.16794179969777664},{"text":"So to give you a little bit of context, Hub twenty four, like BT, is a retail wrap platform.","start":482.96002,"end":488.42,"sentiment":"neutral","sentiment_score":0.17213679732460724},{"text":"Hub twenty four actually has a lot more investment options on it, than BT Panorama does.","start":489.36002,"end":494.40002,"sentiment":"neutral","sentiment_score":0.28504792926833034},{"text":"Hub twenty four allows us to anywhere up to 1,178 different investment options.","start":494.40002,"end":499.215,"sentiment":"neutral","sentiment_score":0.2789732641898669}],"sentiment":"neutral","sentiment_score":0.2688986214367967,"num_words":95,"start":470.245,"end":499.215},{"sentences":[{"text":"That's from managed funds, exchange rate of funds, right under individual shares and companies.","start":499.215,"end":504.095,"sentiment":"neutral","sentiment_score":0.23318793092455184},{"text":"So it has a lot more range of investments there.","start":504.095,"end":506.755,"sentiment":"neutral","sentiment_score":0.28310564905405045},{"text":"Hub twenty four is an Australian company as well, and it's ASX listed.","start":507.215,"end":511.12,"sentiment":"neutral","sentiment_score":0.234122912471111},{"text":"So it's a very large company, Australian owned, and we like them because they give us access to a lot more investments.","start":511.12,"end":517.2,"sentiment":"positive","sentiment_score":0.5529509918256239},{"text":"They're actually a bit cheaper than BT when you weigh up the total fees as well.","start":517.2,"end":521.06,"sentiment":"positive","sentiment_score":0.5271519869565964}],"sentiment":"positive","sentiment_score":0.3965151866277059,"num_words":75,"start":499.215,"end":521.06},{"sentences":[{"text":"And they also have what's called aggregated trading.","start":521.52,"end":524.24,"sentiment":"neutral","sentiment_score":0.20477814599871635},{"text":"So it means that when we go in to make trades on investments, we tell Hub twenty four what we wanna change within the investment ranges.","start":524.24,"end":531.47504,"sentiment":"neutral","sentiment_score":0.1890043722322354},{"text":"They go into the back end to buy and sell those investments, but they do it in a more tax effective way for you.","start":532.015,"end":537.935,"sentiment":"neutral","sentiment_score":0.2676934264600277},{"text":"So BT Panorama doesn't give you access to aggregated trading, and it means that they can buy and sell in a more tax effective way so that it limits the amount of taxes that you would have to pay or your your super fund has to pay in order to change or alter the investment structures.","start":537.935,"end":553.46,"sentiment":"neutral","sentiment_score":0.2064515318987625},{"text":"And that's including with reinvesting as well.","start":554.14496,"end":556.305,"sentiment":"neutral","sentiment_score":0.20255108603409358}],"sentiment":"neutral","sentiment_score":0.21451342536890802,"num_words":121,"start":521.52,"end":556.305},{"sentences":[{"text":"So when your contributions go in or when income is distributed into the fund, that all goes into the cash account.","start":556.305,"end":562.725,"sentiment":"neutral","sentiment_score":0.17546430105964342},{"text":"And then the in hub twenty four, they go in and they have to buy and sell and alter the investments and have that money reinvested for you.","start":562.945,"end":571.04004,"sentiment":"neutral","sentiment_score":0.1200975039973855},{"text":"So they're able to do that in a more tax effective way.","start":571.04004,"end":573.44,"sentiment":"positive","sentiment_score":0.3804112834235032},{"text":"Because just like you and I do a tax return every year, your super fund also does a tax return every year.","start":573.44,"end":578.72003,"sentiment":"neutral","sentiment_score":0.32959128442135727},{"text":"So it's just a really good way of being able to buy and sell investments, trying to limit or mitigate as much of the tax consequences for your super as possible, which makes which means that there's more money invested for you compounding and working harder over the longer term.","start":578.72003,"end":594.475,"sentiment":"positive","sentiment_score":0.4090923750400543}],"sentiment":"neutral","sentiment_score":0.2956243822897287,"num_words":133,"start":556.305,"end":594.475},{"sentences":[{"text":"Does that make sense?","start":594.475,"end":595.535,"sentiment":"neutral","sentiment_score":0.16512475162744522},{"text":"Yeah.","start":597.57,"end":598.07,"sentiment":"neutral","sentiment_score":0.1162501722574234},{"text":"So by moving into Hub twenty four and out of BT Panorama, we have calculated the tax consequences there.","start":598.85004,"end":604.61005,"sentiment":"neutral","sentiment_score":0.11160633438511898},{"text":"So, obviously, we would be selling everything out of BT and rolling it over into Hub twenty four for you.","start":604.61005,"end":610.215,"sentiment":"neutral","sentiment_score":0.13445630371570588},{"text":"You'll see the tax consequence there at the 3,411.","start":610.29504,"end":613.815,"sentiment":"neutral","sentiment_score":0.08042551949620247}],"sentiment":"neutral","sentiment_score":0.11906085437480009,"num_words":53,"start":594.475,"end":613.815},{"sentences":[{"text":"So we've gone back and had a look at all the capital gains and income that's being produced within your super fund and calculated that at the highest tax rate within super.","start":613.815,"end":622.455,"sentiment":"neutral","sentiment_score":0.13858544977847487},{"text":"So we can show that the estimated tax consequence for making the change would be about $3,411, which isn't too bad.","start":622.455,"end":630.42,"sentiment":"neutral","sentiment_score":0.2527058337415968},{"text":"Because when I had a look at your realized and unrealized capital gains, your super fund have made about 20,025 thousand dollars since you came on board and since you moved into BT Panorama.","start":630.42,"end":642.775,"sentiment":"positive","sentiment_score":0.34181028604507446},{"text":"So it had done very well, and to come out with this small tax consequence for the rollover was really good and really happy with that.","start":643.315,"end":652.135,"sentiment":"positive","sentiment_score":0.7656553124005978},{"text":"Okay?","start":652.32996,"end":652.82996,"sentiment":"positive","sentiment_score":0.3390355706214905}],"sentiment":"positive","sentiment_score":0.3649928098250377,"num_words":114,"start":613.815,"end":652.82996},{"sentences":[{"text":"Beautiful.","start":654.08997,"end":654.58997,"sentiment":"positive","sentiment_score":0.5986613035202026},{"text":"Now on the the recommended side there, you'll see within hub twenty four, once we do the rollover, the expected balance to be received would be a $126,005.89.","start":655.37,"end":664.88995,"sentiment":"neutral","sentiment_score":0.19138047977217607},{"text":"That's your balance minus the CGT consequence.","start":664.88995,"end":668.205,"sentiment":"neutral","sentiment_score":0.11904034976448331},{"text":"Inside hub twenty four, you'll see there are administration fees.","start":669.145,"end":672.34503,"sentiment":"neutral","sentiment_score":0.04440589025616646},{"text":"Now the admin fee is slightly higher than BT Panorama.","start":672.34503,"end":675.325,"sentiment":"neutral","sentiment_score":0.03692024685442448}],"sentiment":"neutral","sentiment_score":0.13578318851068616,"num_words":56,"start":654.08997,"end":675.325},{"sentences":[{"text":"However, the investments fee fee is much lower.","start":675.625,"end":678.445,"sentiment":"neutral","sentiment_score":0.10823650937527418},{"text":"So you'd pay $37 more for the year for the admin fee, but we save $74 for the year in investment fees.","start":678.86005,"end":686.14,"sentiment":"neutral","sentiment_score":0.23292937972159547},{"text":"So, overall, when you weigh up the two options, you're actually saving in fees overall, which means more money stays invested in your super.","start":686.14,"end":693.68005,"sentiment":"neutral","sentiment_score":0.2677277773618698},{"text":"Does that make sense?","start":693.74005,"end":694.755,"sentiment":"neutral","sentiment_score":0.2226918488740921},{"text":"Yeah.","start":696.515,"end":696.835,"sentiment":"positive","sentiment_score":0.34684497117996216}],"sentiment":"neutral","sentiment_score":0.23141385512268645,"num_words":59,"start":675.625,"end":696.835},{"sentences":[{"text":"And because the balance is expected to be slightly lower once we complete the rollover, you're also gonna save an adviser fee.","start":696.835,"end":702.59503,"sentiment":"neutral","sentiment_score":0.14093020829287442},{"text":"So our adviser fees are expected to save you $65 for the year as well, which is a bad thing in any way, shape, or form.","start":702.59503,"end":708.695,"sentiment":"neutral","sentiment_score":-0.21132282024392715},{"text":"Yeah.","start":711.15,"end":711.65,"sentiment":"neutral","sentiment_score":0.08121076226234436},{"text":"Now within the Hub 24 product, we are gonna invest you in our SMA.","start":712.27,"end":716.83,"sentiment":"neutral","sentiment_score":0.11832209995814733},{"text":"So we've actually recently set up our own separately managed account.","start":716.83,"end":720.21,"sentiment":"neutral","sentiment_score":0.0859037082303654}],"sentiment":"neutral","sentiment_score":0.0039017865988048347,"num_words":74,"start":696.835,"end":720.21},{"sentences":[{"text":"An SMA or a separately managed account is an investment option.","start":720.51,"end":724.45,"sentiment":"neutral","sentiment_score":0.06955999034372243},{"text":"It's an investment option that is professionally managed on behalf of you.","start":724.82495,"end":728.925,"sentiment":"neutral","sentiment_score":0.10868515508870284},{"text":"Essentially, it pulls investors' money together so we can buy shares at a much cheaper rate.","start":729.225,"end":734.845,"sentiment":"neutral","sentiment_score":0.24191069416701794},{"text":"We have our own SMA, which is fantastic.","start":735.625,"end":737.96497,"sentiment":"positive","sentiment_score":0.45188692584633827},{"text":"So if you just scroll down to the, sorry, if you scroll up for me just to page number 21, this is essentially what you would see in your super fund there.","start":738.26495,"end":749.26,"sentiment":"neutral","sentiment_score":0.11977509380085394}],"sentiment":"neutral","sentiment_score":0.16946647177108481,"num_words":79,"start":720.51,"end":749.26},{"sentences":[{"text":"Yeah.","start":751.88,"end":752.2,"sentiment":"neutral","sentiment_score":0.06275808811187744},{"text":"So within Hub twenty four, we're putting you in the core product, and we'll have your funds distributed across two of our SMAs, the bloom and the evergreen.","start":752.2,"end":760.565,"sentiment":"neutral","sentiment_score":0.10817607385771615},{"text":"It's very similar to what you have within VP Panorama at the moment.","start":761.345,"end":764.865,"sentiment":"neutral","sentiment_score":0.08544989789907749},{"text":"The difference is this SMA is it's a IT SMA, so it's managed by us in our investment committee, but we also utilize BlackRock's investment team to manage this one.","start":764.865,"end":775.23,"sentiment":"neutral","sentiment_score":0.039325745015715556},{"text":"And the difference between the SMA that we have versus the one that iShares, you you were invested in with BT is that we can actually make changes to this SMA.","start":775.29,"end":784.41,"sentiment":"neutral","sentiment_score":0.06315001953513391}],"sentiment":"neutral","sentiment_score":0.0712617454842384,"num_words":103,"start":751.88,"end":784.41},{"sentences":[{"text":"So it's managed by us and BlackRock.","start":784.41,"end":786.43,"sentiment":"neutral","sentiment_score":0.06784929228680474},{"text":"And every three months at the moment, the BlackRock investment committee and our investment committee go in.","start":786.855,"end":792.77496,"sentiment":"neutral","sentiment_score":0.049836450639893025},{"text":"They look at what's invested in there, and we can actually slot in and make changes to the investments within the SMA.","start":792.77496,"end":798.695,"sentiment":"neutral","sentiment_score":0.12216884998435323},{"text":"So it means that whenever there are changes to the market, I think this year is probably a really good example of that where we saw the markets very heavily up and down in about March this year.","start":798.695,"end":810.45996,"sentiment":"neutral","sentiment_score":0.0018921167540707085},{"text":"The March 20 is probably when we saw the biggest dips occurring with what was happening between The US and Iran there.","start":810.45996,"end":816.72504,"sentiment":"neutral","sentiment_score":-0.06449958597394553}],"sentiment":"neutral","sentiment_score":0.02512065048839124,"num_words":106,"start":784.41,"end":816.72504},{"sentences":[{"text":"And so, essentially, with those ups and downs, our investment committee and the BlackRock team all met together.","start":818.145,"end":824.145,"sentiment":"neutral","sentiment_score":0.046267750672996044},{"text":"They had a look at what the investments were within the SMA there, and they actually made some changes in the back end, which made changes in everyone's super funds that were in the SMA as well.","start":824.145,"end":833.95,"sentiment":"neutral","sentiment_score":0.06287041387042484},{"text":"So having this kind of a product is a benefit to you because it means that we are able to make changes to investments depending on market conditions.","start":833.95,"end":841.49,"sentiment":"positive","sentiment_score":0.4677488537771361},{"text":"Those changes don't require us to give you a new advice document.","start":842.155,"end":846.555,"sentiment":"neutral","sentiment_score":0.28659019495050114},{"text":"It just means that someone can go in the back end to make those changes so that you're always invested in the investments that are working harder.","start":846.555,"end":853.055,"sentiment":"neutral","sentiment_score":0.3265936424334844}],"sentiment":"neutral","sentiment_score":0.2337139624277832,"num_words":122,"start":818.145,"end":853.055},{"sentences":[{"text":"We don't have to annoy you and update advice every year just to make changes to your investment portfolio.","start":853.275,"end":858.9,"sentiment":"neutral","sentiment_score":0.16600106087954422},{"text":"So it's much more of an actively managed approach to investing within your super there.","start":859.36005,"end":863.44,"sentiment":"neutral","sentiment_score":0.21960143993298212},{"text":"Does that make sense?","start":863.44,"end":864.24,"sentiment":"neutral","sentiment_score":0.13308582082390785},{"text":"And do you have any questions?","start":864.24,"end":865.7,"sentiment":"neutral","sentiment_score":0.03471942773709694},{"text":"Yeah.","start":868.56,"end":869.06,"sentiment":"neutral","sentiment_score":0.11911696195602416}],"sentiment":"neutral","sentiment_score":0.16239596816400687,"num_words":45,"start":853.275,"end":869.06},{"sentences":[{"text":"Oh, this is fantastic.","start":870.07495,"end":871.21497,"sentiment":"positive","sentiment_score":0.6216637492179871},{"text":"That's essentially what we wanna do there.","start":872.475,"end":874.39496,"sentiment":"positive","sentiment_score":0.39160391688346863},{"text":"It'll essentially also provide you with greater diversification, and one of the biggest things we do as advisers is look at ways to mitigate risk.","start":874.39496,"end":881.27496,"sentiment":"positive","sentiment_score":0.4057140624523163},{"text":"We can't mitigate a 100% of the risk in the market, but diversifying helps to mitigate as much risk as possible.","start":881.27496,"end":887.83,"sentiment":"neutral","sentiment_score":0.24898199772550947},{"text":"And this SMA product essentially does help to provide the greatest level of diversification.","start":888.13,"end":893.43,"sentiment":"positive","sentiment_score":0.39889973189149586}],"sentiment":"positive","sentiment_score":0.3687880588039546,"num_words":71,"start":870.07495,"end":893.43},{"sentences":[{"text":"And we get to use the BlackRock investment committees.","start":894.53,"end":898.29,"sentiment":"positive","sentiment_score":0.37235580219162834},{"text":"They have this fantastic computer called Aladdin.","start":898.29,"end":901.015,"sentiment":"positive","sentiment_score":0.4745540065424783},{"text":"And, essentially, we can go into there and add all these investment options in there, and it spits out a level of risk and it spits out diversification numbers, and it kind of goes into the microeconomics of what you're invested in and how the SMAs work, and it's really actually very, very cool on this end of things.","start":901.635,"end":918.86,"sentiment":"positive","sentiment_score":0.4946105336233721},{"text":"Most people will probably consider it very, very boring.","start":918.86,"end":921.19995,"sentiment":"neutral","sentiment_score":-0.16306114776266944},{"text":"But it does help us to make sure that the SMAs are invested in a way that gives you diversification, helps to lower the risk level as much as possible, but also showing that it has got good ongoing returns and that your super is working harder.","start":921.5,"end":935.125,"sentiment":"positive","sentiment_score":0.422043428776112}],"sentiment":"positive","sentiment_score":0.41392055398407784,"num_words":131,"start":894.53,"end":935.125},{"sentences":[{"text":"And when we sort of look at the SMA over the past five years, it has performed greater than the SMA product within BT that you're currently in.","start":935.345,"end":944.50995,"sentiment":"positive","sentiment_score":0.38872495400054113},{"text":"So if the market conditions work the way they have done, if we're able to get that 9.33% on a regular basis as a as a minimum, essentially, over the next five to ten years, you could see a greater level of growth to your super and be put in a much better position, which is also important with regards to the advice.","start":944.50995,"end":962.465,"sentiment":"positive","sentiment_score":0.4202727192924136},{"text":"Does that make sense?","start":962.465,"end":963.265,"sentiment":"neutral","sentiment_score":0.06826984882354736},{"text":"Do you have any questions?","start":963.265,"end":964.405,"sentiment":"neutral","sentiment_score":0.0011606706306338311},{"text":"Oh, good.","start":968.11,"end":968.93,"sentiment":"neutral","sentiment_score":0.13753661140799522}],"sentiment":"positive","sentiment_score":0.3717199607715741,"num_words":102,"start":935.345,"end":968.93},{"sentences":[{"text":"That's essentially the advice there.","start":969.15,"end":971.17,"sentiment":"neutral","sentiment_score":0.1425068959593773},{"text":"Once we do roll you over into hub twenty four, we will also just retain your life and TPD as it is, but we just wanna have that paid out of the hub twenty four super account.","start":971.31,"end":981.195,"sentiment":"neutral","sentiment_score":0.15362296797133781},{"text":"So we just get you to sign what's called an enduring rollover, and that changes where the premiums are paid from.","start":981.195,"end":987.515,"sentiment":"neutral","sentiment_score":0.20223529565901982},{"text":"It's very easy to complete.","start":987.515,"end":989.215,"sentiment":"positive","sentiment_score":0.47447136640548704},{"text":"No additional questions required.","start":989.515,"end":991.135,"sentiment":"neutral","sentiment_score":0.12630973756313324}],"sentiment":"neutral","sentiment_score":0.18779335119244125,"num_words":72,"start":969.15,"end":991.135},{"sentences":[{"text":"We just put the information in there.","start":991.195,"end":993.135,"sentiment":"neutral","sentiment_score":0.15613810292312078},{"text":"So, essentially, once how this would be implemented for you is we'd start by opening the hub twenty four account there for you.","start":993.71,"end":1000.77,"sentiment":"neutral","sentiment_score":0.17022005144668662},{"text":"We do a full rollover from BT, make sure to provide you with the contributions information for your employer so they can change what the contributions are paid to.","start":1001.07,"end":1009.64496,"sentiment":"neutral","sentiment_score":0.18344265171166124},{"text":"Then we also complete that enduring rollover, have that signed and sent to Neos so that your insurance premiums are deducted out of the hub twenty four super account.","start":1010.105,"end":1019.245,"sentiment":"neutral","sentiment_score":0.2007819907418613},{"text":"And then we'll also help you to complete a beneficiary nomination to make sure that everything is up to date and in line with your wishes for estate planning as well.","start":1019.58,"end":1027.3401,"sentiment":"neutral","sentiment_score":0.2576748767206746}],"sentiment":"neutral","sentiment_score":0.2028442328842748,"num_words":119,"start":991.195,"end":1027.3401},{"sentences":[{"text":"Does that all make sense?","start":1027.3401,"end":1028.64,"sentiment":"neutral","sentiment_score":0.12187466025352478},{"text":"Yep.","start":1030.3,"end":1030.8,"sentiment":"positive","sentiment_score":0.3784416913986206},{"text":"Fantastic.","start":1031.02,"end":1031.52,"sentiment":"positive","sentiment_score":0.6022759675979614},{"text":"The only other thing to sort of may mention is the ongoing service fee.","start":1032.915,"end":1035.875,"sentiment":"neutral","sentiment_score":0.048361941905958314},{"text":"I did have in the projection table above there.","start":1035.875,"end":1038.035,"sentiment":"neutral","sentiment_score":0.05568713094625208}],"sentiment":"neutral","sentiment_score":0.09227807751546303,"num_words":30,"start":1027.3401,"end":1038.035},{"sentences":[{"text":"That would just be reapplied to the new account as well.","start":1038.035,"end":1041.255,"sentiment":"neutral","sentiment_score":0.16598293456164273},{"text":"It's just 1.65% per annum.","start":1041.4751,"end":1043.9751,"sentiment":"neutral","sentiment_score":0.12690965533256532},{"text":"Again, with the ongoing service fee, it is deducted in smaller monthly increments, so it does fluctuate with the market and is tied to the performance of your super, which is great to see.","start":1044.1951,"end":1053.7,"sentiment":"neutral","sentiment_score":0.292785140192684},{"text":"And we do expect with the moving from one super fund to another with the capital gains consequences that BT were taking to account that that ongoing service fee should reduce a little bit for the first year as well, which is only a benefit to you.","start":1054.24,"end":1068.095,"sentiment":"neutral","sentiment_score":0.22124359614037453},{"text":"So yeah.","start":1068.155,"end":1069.5449,"sentiment":"neutral","sentiment_score":0.20173612236976624}],"sentiment":"neutral","sentiment_score":0.23451491501746755,"num_words":99,"start":1038.035,"end":1069.5449},{"sentences":[{"text":"Oh, good.","start":1071.65,"end":1072.39,"sentiment":"positive","sentiment_score":0.4838791936635971},{"text":"Yeah.","start":1072.77,"end":1073.1699,"sentiment":"neutral","sentiment_score":0.29128825664520264},{"text":"Thank you so much for that.","start":1073.1699,"end":1075.11,"sentiment":"positive","sentiment_score":0.6358609696229299},{"text":"Is there any questions or anything else that comes to mind, or did you want me to break anything down further for you?","start":1075.41,"end":1080.85,"sentiment":"neutral","sentiment_score":0.14453455481840216},{"text":"Or yep.","start":1080.85,"end":1085.5549,"sentiment":"neutral","sentiment_score":0.035884443670511246}],"sentiment":"neutral","sentiment_score":0.2491257679374779,"num_words":34,"start":1071.65,"end":1085.5549},{"sentences":[{"text":"Yeah.","start":1088.8949,"end":1089.2949,"sentiment":"neutral","sentiment_score":0.112007774412632},{"text":"Absolutely.","start":1089.2949,"end":1089.7949,"sentiment":"neutral","sentiment_score":0.19123466312885284},{"text":"Yeah.","start":1090.255,"end":1090.495,"sentiment":"neutral","sentiment_score":0.16707655787467957},{"text":"Definitely.","start":1090.495,"end":1090.995,"sentiment":"neutral","sentiment_score":0.25944703817367554},{"text":"So what'll happen is my team will now get notified that you've signed the document there.","start":1091.0549,"end":1095.315,"sentiment":"neutral","sentiment_score":0.17904768697917461}],"sentiment":"neutral","sentiment_score":0.17972645126283168,"num_words":20,"start":1088.8949,"end":1095.315},{"sentences":[{"text":"They'll get started and do up Hub 24 application.","start":1095.5349,"end":1098.28,"sentiment":"neutral","sentiment_score":0.17820742064052159},{"text":"Once that application has been signed and submitted to Hub, they'll open the account, and I'll get them to send that contributions form straight to you.","start":1098.58,"end":1106.6,"sentiment":"neutral","sentiment_score":0.2185472593857692},{"text":"That way you get the form quickly.","start":1106.74,"end":1108.84,"sentiment":"neutral","sentiment_score":0.2596535874264581},{"text":"So when we submit the rollover, it takes a couple of weeks for the funds to be rolled from one fund to another.","start":1109.235,"end":1114.615,"sentiment":"neutral","sentiment_score":0.14918691243814386},{"text":"But I'll make sure you get that contribution form nice and quickly.","start":1114.995,"end":1118.135,"sentiment":"neutral","sentiment_score":0.2737474975486596}],"sentiment":"neutral","sentiment_score":0.2054537610187159,"num_words":77,"start":1095.5349,"end":1118.135},{"sentences":[{"text":"That way you can hand it off to your account team.","start":1118.355,"end":1120.695,"sentiment":"neutral","sentiment_score":0.2656503902240233},{"text":"Okay?","start":1120.755,"end":1121.255,"sentiment":"neutral","sentiment_score":0.11288225650787354},{"text":"That's that's okay.","start":1122.85,"end":1124.61,"sentiment":"positive","sentiment_score":0.4027139147122701},{"text":"It's been an absolute pleasure to do the research for you.","start":1124.61,"end":1127.09,"sentiment":"positive","sentiment_score":0.7756292007186196},{"text":"I really enjoyed putting this together, and I was excited that we could, you know, come up with another strategy that is able to put you in a really good position.","start":1127.09,"end":1134.1499,"sentiment":"positive","sentiment_score":0.7804295612919715}],"sentiment":"positive","sentiment_score":0.6485687000186819,"num_words":57,"start":1118.355,"end":1134.1499},{"sentences":[{"text":"And we wanna make sure we do regular catch ups again.","start":1134.21,"end":1136.985,"sentiment":"positive","sentiment_score":0.34355227784676984},{"text":"So I know we spoke a few months ago to do your annual review, but did you want me to do a catch up in another maybe three or six months to sort of see how things are tracking for you?","start":1136.985,"end":1145.005,"sentiment":"neutral","sentiment_score":0.1062684433489311},{"text":"Yeah.","start":1147.385,"end":1147.885,"sentiment":"neutral","sentiment_score":0.22671209275722504},{"text":"Six months, Lauren.","start":1148.1051,"end":1149.0651,"sentiment":"neutral","sentiment_score":0.09153665105501811},{"text":"Just checking.","start":1149.0651,"end":1149.7251,"sentiment":"neutral","sentiment_score":0.11316951364278793}],"sentiment":"neutral","sentiment_score":0.152823143221181,"num_words":58,"start":1134.21,"end":1149.7251},{"sentences":[{"text":"Yep.","start":1151.74,"end":1152.0599,"sentiment":"positive","sentiment_score":0.3919137716293335},{"text":"Beautiful.","start":1152.0599,"end":1152.5599,"sentiment":"positive","sentiment_score":0.6636897325515747},{"text":"Not a problem at all.","start":1152.7,"end":1153.98,"sentiment":"positive","sentiment_score":0.4490485548973083},{"text":"Well, I will let you go because I know you are busy, but I thank you so much for your time.","start":1153.98,"end":1158.0599,"sentiment":"positive","sentiment_score":0.4665229788848332},{"text":"It's been a pleasure to put this together.","start":1158.0599,"end":1159.76,"sentiment":"positive","sentiment_score":0.8865903168916702}],"sentiment":"positive","sentiment_score":0.5608486491772864,"num_words":36,"start":1151.74,"end":1159.76},{"sentences":[{"text":"And, yeah, once we get this all back, my team will be in contact to start implementing it for you.","start":1160.46,"end":1165.52,"sentiment":"positive","sentiment_score":0.5072490587830544},{"text":"Not a problem at all, Laurie.","start":1168.385,"end":1169.825,"sentiment":"positive","sentiment_score":0.6195423007011414},{"text":"Enjoy your day.","start":1169.825,"end":1170.625,"sentiment":"positive","sentiment_score":0.8010832468668619},{"text":"Have a great day.","start":1170.625,"end":1171.765,"sentiment":"positive","sentiment_score":0.7625673115253448},{"text":"Thanks.","start":1173.665,"end":1173.985,"sentiment":"positive","sentiment_score":0.6683303117752075}],"sentiment":"positive","sentiment_score":0.587767184657209,"num_words":34,"start":1160.46,"end":1173.985},{"sentences":[{"text":"See you later.","start":1173.985,"end":1174.8049,"sentiment":"positive","sentiment_score":0.5415308276812235},{"text":"Bye.","start":1174.865,"end":1175.365,"sentiment":"neutral","sentiment_score":-0.11177664250135422}],"sentiment":"positive","sentiment_score":0.3782039601355791,"num_words":4,"start":1173.985,"end":1175.365}]}}]},{"alternatives":[{"transcript":"I'm good. Thanks. How are you? Yeah. Yeah. That's fine. Yeah. Sure. It's Lauren Marie Lafety, and it's the '18 '32, and address is 34 Eliza Street In Clayfield 4011. Okay. Yep. Yeah. I do. Yep. Yeah. Yeah. Really good. It's been so busy. So it's and we just had the show over the weekend and last week, you know, like, at the the Brisbane show, which was really cool. So it's been so busy. Because I do the insurance, and I do paint protection now, ceramic paint protection. So it's really been on the phone. I just got off the phone in time to get your call. Yeah. Yeah. I got that email too. Yes. Okay. Oh, I just clicked on the clicked on it, so I've got it here. Yeah. Yeah. Yeah. Yep. Yeah. Yep. Yep. No. Not really. I ended up getting a car, so we're at Square 1 again. I know. A Mazda c o three. Yeah. It's pretty cool. Okay. Yep. Yes. Yeah. Okay. Yep. Yeah. Yep. Yeah. That does. Yes. Yes. Okay. Cool. Yep. Cool. That's great. Yeah. That's awesome. Yeah. Yeah. Mhmm. Cool. Oh, yeah. Yep. No. That makes sense, and it's awesome. Thank you. I signed it. It don't. No questions. Yep. That sounds yeah. That's great. Yep. Cool. That sounds great. No. That's okay. So you'll email me the details, and then I can just send them through to account to where to put the is that right? Yep. Thank you. Yep. That's awesome. Thank you so Yeah. That's that'll be great. Yeah. Six months is great. Oh, thank you so much. I really appreciate it. Thanks. You 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awesome.","start":695.355,"end":696.015,"sentiment":"positive","sentiment_score":0.7380039691925049},{"text":"Yeah.","start":709.25995,"end":709.74,"sentiment":"neutral","sentiment_score":-0.007671948522329331},{"text":"Yeah.","start":709.74,"end":710.13995,"sentiment":"neutral","sentiment_score":0.0018118936568498611},{"text":"Mhmm.","start":710.13995,"end":710.63995,"sentiment":"neutral","sentiment_score":0.014720899984240532}],"sentiment":"positive","sentiment_score":0.34509259772797424,"num_words":6,"start":695.035,"end":710.63995},{"sentences":[{"text":"Cool.","start":712.315,"end":712.815,"sentiment":"neutral","sentiment_score":0.19362998008728027},{"text":"Oh, yeah.","start":750.645,"end":751.305,"sentiment":"neutral","sentiment_score":0.056274762377142906},{"text":"Yep.","start":817.12,"end":817.62,"sentiment":"neutral","sentiment_score":0.04088301956653595},{"text":"No.","start":866.18,"end":866.42,"sentiment":"neutral","sentiment_score":0.15023298561573029},{"text":"That makes sense, and it's awesome.","start":866.42,"end":867.77997,"sentiment":"positive","sentiment_score":0.42654075225194293}],"sentiment":"neutral","sentiment_score":0.27786727486686275,"num_words":11,"start":712.315,"end":867.77997},{"sentences":[{"text":"Thank you.","start":867.77997,"end":868.26,"sentiment":"positive","sentiment_score":0.5358466506004333},{"text":"I signed it.","start":868.26,"end":869.16,"sentiment":"neutral","sentiment_score":0.10464361558357875},{"text":"It don't.","start":963.87,"end":964.395,"sentiment":"neutral","sentiment_score":-0.011625061742961407},{"text":"No questions.","start":964.875,"end":965.53503,"sentiment":"neutral","sentiment_score":-0.009339468088001015},{"text":"Yep.","start":985.07996,"end":985.57996,"sentiment":"neutral","sentiment_score":0.16650667786598206}],"sentiment":"neutral","sentiment_score":0.15102017661556602,"num_words":10,"start":867.77997,"end":985.57996},{"sentences":[{"text":"That sounds yeah.","start":1028.985,"end":1029.705,"sentiment":"positive","sentiment_score":0.34733979900677997},{"text":"That's great.","start":1029.705,"end":1030.525,"sentiment":"positive","sentiment_score":0.6575365662574768},{"text":"Yep.","start":1041.74,"end":1042.24,"sentiment":"neutral","sentiment_score":0.11841389536857604},{"text":"Cool.","start":1070.02,"end":1070.52,"sentiment":"positive","sentiment_score":0.3576049208641052},{"text":"That sounds great.","start":1071.14,"end":1072.2,"sentiment":"positive","sentiment_score":0.43134593963623047}],"sentiment":"positive","sentiment_score":0.4127149164676666,"num_words":10,"start":1028.985,"end":1072.2},{"sentences":[{"text":"No.","start":1081.3451,"end":1081.505,"sentiment":"neutral","sentiment_score":-0.015615883283317087},{"text":"That's okay.","start":1081.505,"end":1082.2251,"sentiment":"neutral","sentiment_score":0.02627727761864662},{"text":"So you'll email me the details, and then I can just send them through to account to where to put the is that right?","start":1082.2251,"end":1088.71,"sentiment":"neutral","sentiment_score":0.05407514818944037},{"text":"Yep.","start":1115.3049,"end":1115.8049,"sentiment":"neutral","sentiment_score":0.19668565690517423},{"text":"Thank you.","start":1121.24,"end":1121.8,"sentiment":"positive","sentiment_score":0.3397909551858902}],"sentiment":"neutral","sentiment_score":0.07370032652591665,"num_words":30,"start":1081.3451,"end":1121.8},{"sentences":[{"text":"Yep.","start":1121.8,"end":1122.04,"sentiment":"neutral","sentiment_score":0.25192201137542725},{"text":"That's awesome.","start":1122.04,"end":1122.76,"sentiment":"positive","sentiment_score":0.5367848575115204},{"text":"Thank you so Yeah.","start":1122.76,"end":1145.465,"sentiment":"positive","sentiment_score":0.3667824398726225},{"text":"That's that'll be great.","start":1145.465,"end":1147.5,"sentiment":"positive","sentiment_score":0.7229907810688019},{"text":"Yeah.","start":1149.96,"end":1150.28,"sentiment":"neutral","sentiment_score":0.15324091911315918}],"sentiment":"positive","sentiment_score":0.4864854607731104,"num_words":12,"start":1121.8,"end":1150.28},{"sentences":[{"text":"Six months is great.","start":1150.28,"end":1151.5,"sentiment":"positive","sentiment_score":0.3743683621287346},{"text":"Oh, thank you so much.","start":1165.765,"end":1166.805,"sentiment":"positive","sentiment_score":0.7744238018989563},{"text":"I really appreciate it.","start":1166.805,"end":1168.025,"sentiment":"positive","sentiment_score":0.8405822217464447},{"text":"Thanks.","start":1172.165,"end":1172.5651,"sentiment":"positive","sentiment_score":0.7266664505004883},{"text":"You too.","start":1172.5651,"end":1173.2251,"sentiment":"positive","sentiment_score":0.5617581903934479}],"sentiment":"positive","sentiment_score":0.6613815110176802,"num_words":16,"start":1150.28,"end":1173.2251}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hi, Lauren. It's Sandra from OC Financial. How are you this morning?\n\nChannel 1: I'm good. Thanks. How are you?\n\nChannel 0: I'm very well. Thank you. Thanks for asking. I had people seem to go through an updated statement of advice. Isn't that still a good time there for you?\n\nChannel 1: Yeah.\n\nChannel 0: Yes. Fantastic. Maureen, before we jump into the call, I do have to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Fantastic. And just to do security there with you as well, I'll just get you to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: Yeah. Sure. It's Lauren Marie Lafety, and it's the '18\n\nChannel 0: Yeah.\n\nChannel 1: '32, and address is 34 Eliza Street In Clayfield 4011.\n\nChannel 0: Lovely. Thank you so much for that.\n\nChannel 1: Okay.\n\nChannel 0: Lauren, last time we spoke and did your annual review, we were going back to have a bit of a look at your super fund to kinda review that plus the investment, see how things were tracking for you, and look to see if there's any new advice that we could provide to kinda keep you on track or update all of your circumstances.\n\nChannel 1: Yep.\n\nChannel 0: I've gone back and done some really in-depth research there for you, and I've actually got an updated plan to go through just to sort of show you the new recommendations I'm making. Do you happen to have access to your emails at all? If you don't, that's absolutely okay.\n\nChannel 1: Yeah. I do.\n\nChannel 0: Yeah. Beautiful. What I'm gonna do, I'm gonna email this document through to you. If you're able to jump in there and open it up for me,\n\nChannel 1: Yep.\n\nChannel 0: I've just pressed send there. Hopefully, it comes through. Love technology when it wants to work for us. So it\n\nChannel 1: Yeah.\n\nChannel 0: said sent. How's everything been going for you at work?\n\nChannel 1: Yeah. Really good. It's been so busy.\n\nChannel 0: Fantastic.\n\nChannel 1: So it's\n\nChannel 0: Oh, so\n\nChannel 1: and\n\nChannel 0: good.\n\nChannel 1: we just had the show over the weekend and last week, you know, like, at\n\nChannel 0: Yeah.\n\nChannel 1: the the Brisbane show, which was really\n\nChannel 0: Yeah.\n\nChannel 1: cool. So it's been\n\nChannel 0: Oh,\n\nChannel 1: so busy.\n\nChannel 0: fantastic.\n\nChannel 1: Because I do the insurance, and I do paint protection now, ceramic paint\n\nChannel 0: Yeah.\n\nChannel 1: protection.\n\nChannel 0: Yeah.\n\nChannel 1: So it's really been on the phone. I just got off the phone in time to get your call.\n\nChannel 0: No. That's honestly okay. Being busy. I love this. This is busy for us this time of year as well.\n\nIt's been pretty crazy. Been a very intense year, actually. The last sort of twelve months have just been insane with the amount of advice and the research and the updating, and it's been a lot, but it's been good. I like it when it's busy. It it sort of makes sure everything's moving, and there's lots of advice to give.\n\nSo it's good to be able to keep you on track and help you meet your goals and update all of your circumstances,\n\nChannel 1: Yeah.\n\nChannel 0: which is kind of cool.\n\nChannel 1: Yeah. I got that email too.\n\nChannel 0: Beautiful. Beautiful. Now you can do this one or two ways. You can press the sign button, which allows you to go through and review the document. I'll never ask you to sign anything you haven't read through.\n\nAlternatively, on the front screen, you'll have some attachments. There's quite a few attachments below, and\n\nChannel 1: Yes.\n\nChannel 0: one of those is the statement of advice that you're able to open up that way as well.\n\nChannel 1: Okay. Oh, I just clicked on the clicked on it, so I've got it here.\n\nChannel 0: Perfect. So on the front page, it'll say statement of advice as prepared for yourself as of the 06/11/2026. So we date it for the date that we're presenting it because all of\n\nChannel 1: Yeah.\n\nChannel 0: our advice is valid for sixty days. So it gives you plenty of time to be able to go back and read and review the recommendations then. On the bottom of that front page, it's got my licensing information for you. So I'm a licensed adviser registered with, and my license registration number is 1304394.\n\nChannel 1: Yeah.\n\nChannel 0: Okay. As you are sort of scrolling through the first few pages there, we've outlined the areas that we have scoped in. So looking at for you. Your goal is to hopefully retire at age 65, if not beforehand. At the time, we talked about an income an annual income of about 72,000 per annum.\n\nThat could definitely change. You're still very young, have a lot of working life ahead of you, so that could definitely change in the future. So that's kind of where we're tracking for at the moment for you. Okay?\n\nChannel 1: Yeah.\n\nChannel 0: We talked about reviewing your super within BT, also reviewing your portfolio, how you invest it, and if there was anything out there that might be cheaper, might be working harder for you, and might put you in a better position moving forward and retaining you as a growth investor as well. Okay.\n\nChannel 1: Yep.\n\nChannel 0: We also sort of scoped in the estate planning side of things, just making sure that you are able to have a will power of attorney done up, making sure your beneficiaries remain in line with your wishes as well. You wanted to make sure that if in the event that something happened that your life and super could be paid out to Tim.\n\nChannel 1: Yeah.\n\nChannel 0: We have a limited scope section on page number five. So your insurance, since you've got life and TBD, so life cover and ADL definition TBD cover, last time we spoke, you didn't really wanna change anything with that at the moment, and that's absolutely fine. So we are just keeping that as it is, not making any additional recommendations there. Just making sure it can remain paid out of your super for you. Okay?\n\nChannel 1: Yep.\n\nChannel 0: And then areas that we've scoped out, so you didn't wanna look at any income protection or trauma insurances, and that's absolutely fine. If at any point you wanted to look at anything additional, let me know. I'm more than happy to help you assess those.\n\nChannel 1: Yep.\n\nChannel 0: And you guys were also saving for a house deposit. You were able to put away about $500 a week at the time. How's that house deposit savings going? Have you managed to build up a bit more in that? Or\n\nChannel 1: No. Not really. I ended up getting\n\nChannel 0: not\n\nChannel 1: a car, so we're at\n\nChannel 0: oh,\n\nChannel 1: Square 1 again.\n\nChannel 0: nice. Nice. Nice. What\n\nChannel 1: I\n\nChannel 0: kind\n\nChannel 1: know.\n\nChannel 0: of car did you end up\n\nChannel 1: A\n\nChannel 0: getting?\n\nChannel 1: Mazda c o three.\n\nChannel 0: Beautiful. Everyone tells me they are so nice to drive.\n\nChannel 1: Yeah. It's pretty cool.\n\nChannel 0: Awesome. Awesome. So we have that as a sort of a medium term goal. Scoping that out for now, we can always go back to the drawing board and look at that down the track for you as well. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Excellent. To make this nice and easy, because I know you are busy, if you can scroll down for me just to page number so sorry. Page number 23 there. I'll run through essentially the recommendations I am making for you, and then I'll let you go back to review the rest of the document. With this document, all of those sections are outlined through the document there.\n\nI'll have advantages, disadvantages, risks involved, and any alternatives I've considered as well. I'll just run through the sections that I need to run through to sort of go through it all with you. Feel free to ask me any questions as we are kinda going through it as well. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. So you can see the fee comparison table there, Laurence?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Beautiful. So with this one here, as I said, I did go back and have a really good look at your super, the investment that you're in currently. So you're in BT Panorama at the moment. Your current balance is about 130,000.\n\nYou are paying administration fees, investment fees, the ongoing service fee, your contributions going in at your current rate based on your income, and also your insurance premium's being deducted there for the cover that you hold paid out of super. You are in a growth portfolio, and we had a bit of a look at how this has been performing. So the fund that you're in at the moment is more of an estimate separately managed account, and this sort of separately managed account is very hard to move or make changes to. So in order to basically move you in and out of the growth portfolio or make changes to your investments, we actually have to change the whole investment profile. So what I've done, I've had a really good look at how everything has been performing.\n\nThe account that you're in, the super funds, and the investments that you're in at the moment has shown a five year rolling average of about 8.53%. Look. It's not a bad return by any means, but the whole goal here is to make your super work as hard as possible. So when\n\nChannel 1: Yeah.\n\nChannel 0: I went back and had a really good look at BT, I actually found a super fund that's a bit cheaper.\n\nChannel 1: Okay.\n\nChannel 0: I have this I have made a recommendation to move you out of BT Panorama and into a super fund called Hub twenty four. So to give you a little bit of context, Hub twenty four, like BT, is a retail wrap platform. Hub twenty four actually has a lot more investment options on it, than BT Panorama does. Hub twenty four allows us to anywhere up to 1,178 different investment options. That's from managed funds, exchange rate of funds, right under individual shares and companies.\n\nSo it has a lot more range of investments there.\n\nChannel 1: Yep.\n\nChannel 0: Hub twenty four is an Australian company as well, and it's ASX listed. So it's a very large company, Australian owned, and we like them because they give us access to a lot more investments. They're actually a bit cheaper than BT when you weigh up the total fees as well.\n\nChannel 1: Yeah.\n\nChannel 0: And they also have what's called aggregated trading. So it means that when we go in to make trades on investments, we tell Hub twenty four what we wanna change within the investment ranges. They go into the back end to buy and sell those investments, but they do it in a more tax effective way for you. So BT Panorama doesn't give you access to aggregated trading, and it means that they can buy and sell in a more tax effective way so that it limits the amount of taxes that you would have to pay or your your super fund has to pay\n\nChannel 1: Yep.\n\nChannel 0: in order to change or alter the investment structures. And that's including with reinvesting as well. So when your contributions go in or when income is distributed into the fund, that all goes into the cash account. And then the in hub twenty four, they go in and they have to buy and sell and alter the investments and have that money reinvested for you. So they're able to do that in a more tax effective way.\n\nBecause just like you and I do a tax return every year, your super fund also does a tax return every year. So it's just a really good way of being able to buy and sell investments, trying to limit or mitigate as much of the tax consequences for your super as possible, which makes which means that there's more money invested for you compounding and working harder over the longer term. Does that make sense?\n\nChannel 1: Yeah. That does.\n\nChannel 0: Yeah. So by moving into Hub twenty four and out of BT Panorama, we have calculated the tax consequences there. So, obviously, we would be selling everything out of BT and rolling it over into Hub twenty four for you. You'll see the tax consequence there at the 3,411. So we've gone back and had a look at all the capital gains and income that's being produced within your super fund and calculated that at the highest tax rate within super.\n\nSo we can show that the estimated tax consequence for making the change would be about $3,411, which isn't too bad. Because when I had a look at your realized and unrealized capital gains, your\n\nChannel 1: Yes.\n\nChannel 0: super fund have made about 20,025 thousand dollars since you came on board and since you moved into BT Panorama. So\n\nChannel 1: Yes.\n\nChannel 0: it had done very well, and to come out with this small tax consequence for the rollover was really good and really happy with that. Okay?\n\nChannel 1: Okay. Cool.\n\nChannel 0: Beautiful. Now on the the recommended side there, you'll see within hub twenty four, once we do the rollover, the expected balance to be received would be a $126,005.89. That's your balance minus the CGT consequence.\n\nChannel 1: Yep.\n\nChannel 0: Inside hub twenty four, you'll see there are administration fees. Now the admin fee is slightly higher than BT Panorama. However, the investments fee fee is much lower. So you'd pay $37 more for the year for the admin fee, but we save $74 for the year in investment fees. So, overall, when you weigh up the two options, you're actually saving in fees overall, which means more money stays invested in your super.\n\nDoes that\n\nChannel 1: Cool.\n\nChannel 0: make sense?\n\nChannel 1: That's great. Yeah. That's awesome.\n\nChannel 0: Yeah. And because the balance is expected to be slightly lower once we complete the rollover, you're also gonna save an adviser fee. So our adviser fees are expected to save you $65 for the year as well, which is a bad thing in any way, shape, or form.\n\nChannel 1: Yeah. Yeah. Mhmm.\n\nChannel 0: Yeah. Now\n\nChannel 1: Cool.\n\nChannel 0: within the Hub 24 product, we are gonna invest you in our SMA. So we've actually recently set up our own separately managed account. An SMA or a separately managed account is an investment option. It's an investment option that is professionally managed on behalf of you. Essentially, it pulls investors' money together so we can buy shares at a much cheaper rate.\n\nWe have our own SMA, which is fantastic. So if you just scroll down to the, sorry, if you scroll up for me just to page number 21, this is essentially what you would see in your super fund there.\n\nChannel 1: Oh, yeah.\n\nChannel 0: Yeah. So within Hub twenty four, we're putting you in the core product, and we'll have your funds distributed across two of our SMAs, the bloom and the evergreen. It's very similar to what you have within VP Panorama at the moment. The difference is this SMA is it's a IT SMA, so it's managed by us in our investment committee, but we also utilize BlackRock's investment team to manage this one. And the difference between the SMA that we have versus the one that iShares, you you were invested in with BT is that we can actually make changes to this SMA.\n\nSo it's managed by us and BlackRock. And every three months at the moment, the BlackRock investment committee and our investment committee go in. They look at what's invested in there, and we can actually slot in and make changes to the investments within the SMA. So it means that whenever there are changes to the market, I think this year is probably a really good example of that where we saw the markets very heavily up and down in about March this year. The March 20 is probably when we saw the biggest dips occurring with what was happening between The US and Iran there.\n\nChannel 1: Yep.\n\nChannel 0: And so, essentially, with those ups and downs, our investment committee and the BlackRock team all met together. They had a look at what the investments were within the SMA there, and they actually made some changes in the back end, which made changes in everyone's super funds that were in the SMA as well. So having this kind of a product is a benefit to you because it means that we are able to make changes to investments depending on market conditions. Those changes don't require us to give you a new advice document. It just means that someone can go in the back end to make those changes so that you're always invested in the investments that are working harder.\n\nWe don't have to annoy you and update advice every year just to make changes to your investment portfolio. So it's much more of an actively managed approach to investing within your super there. Does that make sense? And do you have any questions?\n\nChannel 1: No. That makes sense, and it's awesome. Thank you. I signed\n\nChannel 0: Yeah.\n\nChannel 1: it.\n\nChannel 0: Oh, this is fantastic. That's essentially what we wanna do there. It'll essentially also provide you with greater diversification, and one of the biggest things we do as advisers is look at ways to mitigate risk. We can't mitigate a 100% of the risk in the market, but diversifying helps to mitigate as much risk as possible. And this SMA product essentially does help to provide the greatest level of diversification.\n\nAnd we get to use the BlackRock investment committees. They have this fantastic computer called Aladdin. And, essentially, we can go into there and add all these investment options in there, and it spits out a level of risk and it spits out diversification numbers, and it kind of goes into the microeconomics of what you're invested in and how the SMAs work, and it's really actually very, very cool on this end of things. Most people will probably consider it very, very boring. But it does help us to make sure that the SMAs are invested in a way that gives you diversification, helps to lower the risk level as much as possible, but also showing that it has got good ongoing returns and that your super is working harder.\n\nAnd when we sort of look at the SMA over the past five years, it has performed greater than the SMA product within BT that you're currently in. So if the market conditions work the way they have done, if we're able to get that 9.33% on a regular basis as a as a minimum, essentially, over the next five to ten years, you could see a greater level of growth to your super and be put in a much better position, which is also important with regards to the advice. Does that make sense? Do you have any\n\nChannel 1: It\n\nChannel 0: questions?\n\nChannel 1: don't. No questions.\n\nChannel 0: Oh, good. That's essentially the advice there. Once we do roll you over into hub twenty four, we will also just retain your life and TPD as it is, but we just wanna have that paid out of the hub twenty four super account. So we just get you to sign what's called an enduring rollover, and\n\nChannel 1: Yep.\n\nChannel 0: that changes where the premiums are paid from. It's very easy to complete. No additional questions required. We just put the information in there. So, essentially, once how this would be implemented for you is we'd start by opening the hub twenty four account there for you.\n\nWe do a full rollover from BT, make sure to provide you with the contributions information for your employer so they can change what the contributions are paid to. Then we also complete that enduring rollover, have that signed and sent to Neos so that your insurance premiums are deducted out of the hub twenty four super account. And then we'll also help you to complete a beneficiary nomination to make sure that everything is up to date and in line with your wishes for estate planning as well. Does that all make sense?\n\nChannel 1: That sounds yeah. That's great.\n\nChannel 0: Yep. Fantastic. The only other thing to sort of may mention is the ongoing service fee. I did have in the projection table above there. That would just be reapplied to the new account as well.\n\nIt's just\n\nChannel 1: Yep.\n\nChannel 0: 1.65% per annum. Again, with the ongoing service fee, it is deducted in smaller monthly increments, so it does fluctuate with the market and is tied to the performance of your super, which is great to see. And we do expect with the moving from one super fund to another with the capital gains consequences that BT were taking to account that that ongoing service fee should reduce a little bit for the first year as well, which is only a benefit to you. So yeah.\n\nChannel 1: Cool. That sounds\n\nChannel 0: Oh,\n\nChannel 1: great.\n\nChannel 0: good. Yeah. Thank you so much for that. Is there any questions or anything else that comes to mind, or did you want me to break anything down further for you? Or\n\nChannel 1: No. That's okay. So you'll email me the details, and then I can just send them through\n\nChannel 0: yep.\n\nChannel 1: to account to where to put the is that right?\n\nChannel 0: Yeah. Absolutely. Yeah. Definitely. So what'll happen is my team will now get notified that you've signed the document there.\n\nThey'll get started and do up Hub 24 application. Once that application has been signed and submitted to Hub, they'll open the account, and I'll get them to send that contributions form straight to you. That way you get the form quickly. So when we submit the rollover, it takes a couple of weeks for the funds to be rolled from one fund to another. But I'll\n\nChannel 1: Yep.\n\nChannel 0: make sure you get that contribution form nice and quickly. That way you can hand it off to your account team. Okay?\n\nChannel 1: Thank you. Yep. That's awesome. Thank\n\nChannel 0: That's\n\nChannel 1: you so\n\nChannel 0: that's okay. It's been an absolute pleasure to do the research for you. I really enjoyed putting this together, and I was excited that we could, you know, come up with another strategy that is able to put you in a really good position. And we wanna make sure we do regular catch ups again. So I know we spoke a few months ago to do your annual review, but did you want me to do a catch up in another maybe three or six months to sort of see how things are tracking for you?\n\nChannel 1: Yeah. That's that'll be great.\n\nChannel 0: Yeah. Six months, Lauren. Just checking.\n\nChannel 1: Yeah. Six months is great.\n\nChannel 0: Yep. Beautiful. Not a problem at all. Well, I will let you go because I know you are busy, but I thank you so much for your time. It's been a pleasure to put this together.\n\nAnd, yeah, once we get this all back, my team will be in contact to start implementing it for you.\n\nChannel 1: Oh, thank you so much. I really appreciate it.\n\nChannel 0: Not a problem at all, Laurie. Enjoy your day. Have a great day.\n\nChannel 1: Thanks. You too.\n\nChannel 0: Thanks. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Lauren.","start":1.68,"end":2.24,"sentiment":"neutral","sentiment_score":0.12118703871965408},{"text":"It's Sandra from OC Financial.","start":2.24,"end":3.86,"sentiment":"neutral","sentiment_score":0.14045352339744568},{"text":"How are you this morning?","start":4.0,"end":5.22,"sentiment":"neutral","sentiment_score":0.19728704690933227}],"sentiment":"neutral","sentiment_score":0.16092307741443315,"channel":0,"num_words":12,"start":1.68,"end":5.22},{"sentences":[{"text":"I'm good.","start":5.44,"end":6.0,"sentiment":"positive","sentiment_score":0.5027955174446106},{"text":"Thanks.","start":6.0,"end":6.24,"sentiment":"positive","sentiment_score":0.5651251077651978},{"text":"How are you?","start":6.24,"end":7.06,"sentiment":"neutral","sentiment_score":0.32391229271888733}],"sentiment":"positive","sentiment_score":0.4237421701351802,"channel":1,"num_words":6,"start":5.44,"end":7.06},{"sentences":[{"text":"I'm very 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a licensed adviser registered with, and my license registration number is 1304394.","start":203.155,"end":209.58,"sentiment":"neutral","sentiment_score":0.04217104560562542}],"sentiment":"neutral","sentiment_score":0.0847795697775754,"channel":0,"num_words":55,"start":191.795,"end":209.58},{"sentences":[{"text":"Yeah.","start":210.84,"end":211.34,"sentiment":"neutral","sentiment_score":0.04358186572790146}],"sentiment":"neutral","sentiment_score":0.04358186572790146,"channel":1,"num_words":1,"start":210.84,"end":211.34},{"sentences":[{"text":"Okay.","start":211.08,"end":211.32,"sentiment":"neutral","sentiment_score":0.04314300790429115},{"text":"As you are sort of scrolling through the first few pages there, we've outlined the areas that we have scoped in.","start":211.32,"end":216.36,"sentiment":"neutral","sentiment_score":0.04385741933115891},{"text":"So looking at for you.","start":216.36,"end":218.775,"sentiment":"neutral","sentiment_score":0.07122212126851082},{"text":"Your goal is to hopefully retire at age 65, if not beforehand.","start":218.835,"end":222.295,"sentiment":"neutral","sentiment_score":0.16932092110315958},{"text":"At the time, we talked about an income an annual income of about 72,000 per annum.","start":223.075,"end":228.055,"sentiment":"neutral","sentiment_score":0.13337551010772586}],"sentiment":"neutral","sentiment_score":0.09974761154841293,"channel":0,"num_words":55,"start":211.08,"end":228.055},{"sentences":[{"text":"That could definitely change.","start":228.355,"end":229.475,"sentiment":"neutral","sentiment_score":0.31071043759584427},{"text":"You're still very young, have a lot of working life ahead of you, so that could definitely change in the future.","start":229.475,"end":234.40999,"sentiment":"neutral","sentiment_score":0.23735946203981126},{"text":"So that's kind of where we're tracking for at the moment for you.","start":234.40999,"end":237.37,"sentiment":"neutral","sentiment_score":0.16451758834031913},{"text":"Okay?","start":237.37,"end":237.87,"sentiment":"neutral","sentiment_score":0.11750565469264984}],"sentiment":"neutral","sentiment_score":0.21752883990605673,"channel":0,"num_words":39,"start":228.355,"end":237.87},{"sentences":[{"text":"Yeah.","start":238.56,"end":239.06,"sentiment":"neutral","sentiment_score":0.1801568567752838}],"sentiment":"neutral","sentiment_score":0.1801568567752838,"channel":1,"num_words":1,"start":238.56,"end":239.06},{"sentences":[{"text":"We talked about reviewing your super within BT, also reviewing your portfolio, how you invest it, and if there was anything out there that might be cheaper, might be working harder for you, and might put you in a better position moving forward and retaining you as a growth investor as well.","start":239.68999,"end":254.955,"sentiment":"neutral","sentiment_score":0.2743556287426215},{"text":"Okay.","start":255.015,"end":255.515,"sentiment":"neutral","sentiment_score":0.1671583652496338}],"sentiment":"neutral","sentiment_score":0.27233303886539534,"channel":0,"num_words":53,"start":239.68999,"end":255.515},{"sentences":[{"text":"Yep.","start":256.30002,"end":256.80002,"sentiment":"neutral","sentiment_score":0.18923604488372803}],"sentiment":"neutral","sentiment_score":0.18923604488372803,"channel":1,"num_words":1,"start":256.30002,"end":256.80002},{"sentences":[{"text":"We also sort of scoped in the estate planning side of things, just making sure that you are able to have a will power of attorney done up, making sure your beneficiaries remain in line with your wishes as well.","start":257.335,"end":267.86002,"sentiment":"neutral","sentiment_score":0.18685509748756884},{"text":"You wanted to make sure that if in the event that something happened that your life and super could be paid out to Tim.","start":267.86002,"end":273.495,"sentiment":"neutral","sentiment_score":0.14655144171168408}],"sentiment":"neutral","sentiment_score":0.17174122657161206,"channel":0,"num_words":64,"start":257.335,"end":273.495},{"sentences":[{"text":"Yeah.","start":274.85498,"end":275.35498,"sentiment":"neutral","sentiment_score":0.10235479474067688}],"sentiment":"neutral","sentiment_score":0.10235479474067688,"channel":1,"num_words":1,"start":274.85498,"end":275.35498},{"sentences":[{"text":"We have a limited scope section on page number five.","start":274.915,"end":278.835,"sentiment":"neutral","sentiment_score":0.05981006436049938},{"text":"So your insurance, since you've got life and TBD, so life cover and ADL definition TBD cover, last time we spoke, you didn't really wanna change anything with that at the moment, and that's absolutely fine.","start":278.835,"end":290.16,"sentiment":"neutral","sentiment_score":0.034355342523970954},{"text":"So we are just keeping that as it is, not making any additional recommendations there.","start":290.16,"end":294.72,"sentiment":"neutral","sentiment_score":0.10671853298942248},{"text":"Just making sure it can remain paid out of your super for you.","start":294.72,"end":298.63998,"sentiment":"neutral","sentiment_score":0.17503919509740976},{"text":"Okay?","start":298.63998,"end":299.13998,"sentiment":"neutral","sentiment_score":0.07920205593109131}],"sentiment":"neutral","sentiment_score":0.07720510082008938,"channel":0,"num_words":75,"start":274.915,"end":299.13998},{"sentences":[{"text":"Yep.","start":299.65,"end":300.105,"sentiment":"neutral","sentiment_score":0.09838104248046876}],"sentiment":"neutral","sentiment_score":0.09838104248046876,"channel":1,"num_words":1,"start":299.65,"end":300.105},{"sentences":[{"text":"And then areas that we've scoped out, so you didn't wanna look at any income protection or trauma insurances, and that's absolutely fine.","start":301.115,"end":307.995,"sentiment":"neutral","sentiment_score":0.04764399547939715},{"text":"If at any point you wanted to look at anything additional, let me know.","start":307.995,"end":311.275,"sentiment":"neutral","sentiment_score":0.06591863983443805},{"text":"I'm more than happy to help you assess those.","start":311.275,"end":313.535,"sentiment":"positive","sentiment_score":0.4602699312898848}],"sentiment":"neutral","sentiment_score":0.13393700511559195,"channel":0,"num_words":46,"start":301.115,"end":313.535},{"sentences":[{"text":"Yep.","start":314.02502,"end":314.34,"sentiment":"neutral","sentiment_score":0.1663333624601364}],"sentiment":"neutral","sentiment_score":0.1663333624601364,"channel":1,"num_words":1,"start":314.02502,"end":314.34},{"sentences":[{"text":"And you guys were also saving for a house deposit.","start":314.18,"end":316.97998,"sentiment":"neutral","sentiment_score":0.21299250721931456},{"text":"You were able to put away about $500 a week at the time.","start":316.97998,"end":320.44,"sentiment":"neutral","sentiment_score":0.2403728228348952},{"text":"How's that house deposit savings going?","start":320.82,"end":323.06,"sentiment":"neutral","sentiment_score":0.18671701103448868},{"text":"Have you managed to build up a bit more in that?","start":323.06,"end":325.13998,"sentiment":"neutral","sentiment_score":0.0627728399227966},{"text":"Or","start":325.13998,"end":325.46,"sentiment":"neutral","sentiment_score":-0.012985512614250185}],"sentiment":"neutral","sentiment_score":0.17201437955585921,"channel":0,"num_words":41,"start":314.18,"end":325.46},{"sentences":[{"text":"No.","start":326.02,"end":326.34,"sentiment":"neutral","sentiment_score":-0.16092507541179657},{"text":"Not really.","start":326.34,"end":326.82,"sentiment":"neutral","sentiment_score":-0.1845753863453865},{"text":"I ended up getting","start":326.82,"end":327.69998,"sentiment":"neutral","sentiment_score":-0.15537101030349731}],"sentiment":"neutral","sentiment_score":-0.16450855561665126,"channel":1,"num_words":7,"start":326.02,"end":327.69998},{"sentences":[{"text":"not","start":327.485,"end":327.985,"sentiment":"neutral","sentiment_score":-0.13799859583377838}],"sentiment":"neutral","sentiment_score":-0.13799859583377838,"channel":0,"num_words":1,"start":327.485,"end":327.985},{"sentences":[{"text":"a car, so we're at","start":327.69998,"end":329.145,"sentiment":"neutral","sentiment_score":-0.07947712540626525}],"sentiment":"neutral","sentiment_score":-0.07947712540626525,"channel":1,"num_words":5,"start":327.69998,"end":329.145},{"sentences":[{"text":"oh,","start":329.00497,"end":329.50497,"sentiment":"neutral","sentiment_score":-0.009043659083545208}],"sentiment":"neutral","sentiment_score":-0.009043659083545208,"channel":0,"num_words":1,"start":329.00497,"end":329.50497},{"sentences":[{"text":"Square 1 again.","start":329.305,"end":330.125,"sentiment":"neutral","sentiment_score":0.02949673558274905}],"sentiment":"neutral","sentiment_score":0.02949673558274905,"channel":1,"num_words":3,"start":329.305,"end":330.125},{"sentences":[{"text":"nice.","start":329.72498,"end":330.22498,"sentiment":"positive","sentiment_score":0.3772355318069458},{"text":"Nice.","start":331.565,"end":331.88498,"sentiment":"positive","sentiment_score":0.42312300205230713},{"text":"Nice.","start":331.88498,"end":332.365,"sentiment":"positive","sentiment_score":0.38514620065689087},{"text":"What","start":332.365,"end":332.525,"sentiment":"neutral","sentiment_score":0.13392652571201324}],"sentiment":"neutral","sentiment_score":0.32985781505703926,"channel":0,"num_words":4,"start":329.72498,"end":332.525},{"sentences":[{"text":"I","start":332.50497,"end":332.66498,"sentiment":"neutral","sentiment_score":0.05878141149878502}],"sentiment":"neutral","sentiment_score":0.05878141149878502,"channel":1,"num_words":1,"start":332.50497,"end":332.66498},{"sentences":[{"text":"kind","start":332.525,"end":332.845,"sentiment":"neutral","sentiment_score":0.060617052018642426}],"sentiment":"neutral","sentiment_score":0.060617052018642426,"channel":0,"num_words":1,"start":332.525,"end":332.845},{"sentences":[{"text":"know.","start":332.66498,"end":333.16498,"sentiment":"neutral","sentiment_score":0.03427243232727051}],"sentiment":"neutral","sentiment_score":0.03427243232727051,"channel":1,"num_words":1,"start":332.66498,"end":333.16498},{"sentences":[{"text":"of car did you end up","start":332.845,"end":333.72498,"sentiment":"neutral","sentiment_score":-0.0006778155996774634}],"sentiment":"neutral","sentiment_score":-0.0006778155996774634,"channel":0,"num_words":6,"start":332.845,"end":333.72498},{"sentences":[{"text":"A","start":333.705,"end":334.205,"sentiment":"neutral","sentiment_score":-0.00141448387876153}],"sentiment":"neutral","sentiment_score":-0.00141448387876153,"channel":1,"num_words":1,"start":333.705,"end":334.205},{"sentences":[{"text":"getting?","start":333.72498,"end":334.22498,"sentiment":"neutral","sentiment_score":0.001302756369113922}],"sentiment":"neutral","sentiment_score":0.001302756369113922,"channel":0,"num_words":1,"start":333.72498,"end":334.22498},{"sentences":[{"text":"Mazda c o three.","start":334.745,"end":336.205,"sentiment":"neutral","sentiment_score":0.018427620641887188}],"sentiment":"neutral","sentiment_score":0.018427620641887188,"channel":1,"num_words":4,"start":334.745,"end":336.205},{"sentences":[{"text":"Beautiful.","start":337.565,"end":338.065,"sentiment":"positive","sentiment_score":0.7002596855163574},{"text":"Everyone tells me they are so nice to drive.","start":338.125,"end":340.78497,"sentiment":"positive","sentiment_score":0.7458990083800422}],"sentiment":"positive","sentiment_score":0.7413350760936737,"channel":0,"num_words":10,"start":337.565,"end":340.78497},{"sentences":[{"text":"Yeah.","start":341.065,"end":341.38498,"sentiment":"positive","sentiment_score":0.6600614190101624},{"text":"It's pretty cool.","start":341.38498,"end":342.44498,"sentiment":"positive","sentiment_score":0.7995110352834066}],"sentiment":"positive","sentiment_score":0.7646486312150955,"channel":1,"num_words":4,"start":341.065,"end":342.44498},{"sentences":[{"text":"Awesome.","start":343.61002,"end":344.11002,"sentiment":"positive","sentiment_score":0.829488217830658},{"text":"Awesome.","start":344.25,"end":344.75,"sentiment":"positive","sentiment_score":0.7234349250793457},{"text":"So we have that as a sort of a medium term goal.","start":345.05002,"end":347.53,"sentiment":"positive","sentiment_score":0.3390893836816152},{"text":"Scoping that out for now, we can always go back to the drawing board and look at that down the track for you as well.","start":347.53,"end":353.61002,"sentiment":"neutral","sentiment_score":0.23378218472003937},{"text":"Okay?","start":353.61002,"end":354.11002,"sentiment":"neutral","sentiment_score":0.09630507230758668}],"sentiment":"neutral","sentiment_score":0.2890713859349489,"channel":0,"num_words":40,"start":343.61002,"end":354.11002},{"sentences":[{"text":"Okay.","start":353.96002,"end":354.46002,"sentiment":"neutral","sentiment_score":0.192241370677948}],"sentiment":"neutral","sentiment_score":0.192241370677948,"channel":1,"num_words":1,"start":353.96002,"end":354.46002},{"sentences":[{"text":"Excellent.","start":355.415,"end":355.915,"sentiment":"positive","sentiment_score":0.4949968755245209},{"text":"To make this nice and easy, because I know you are busy, if you can scroll down for me just to page number so sorry.","start":355.975,"end":362.955,"sentiment":"neutral","sentiment_score":0.21020586878061295},{"text":"Page number 23 there.","start":363.655,"end":365.495,"sentiment":"neutral","sentiment_score":0.05314561817795038},{"text":"I'll run through essentially the recommendations I am making for you, and then I'll let you go back to review the rest of the document.","start":365.495,"end":371.81,"sentiment":"neutral","sentiment_score":0.1429746901988983},{"text":"With this document, all of those sections are outlined through the document there.","start":372.99002,"end":377.07,"sentiment":"neutral","sentiment_score":0.09122713884482017}],"sentiment":"neutral","sentiment_score":0.15769185481921716,"channel":0,"num_words":68,"start":355.415,"end":377.07},{"sentences":[{"text":"I'll have advantages, disadvantages, risks involved, and any alternatives I've considered as well.","start":377.07,"end":382.13,"sentiment":"neutral","sentiment_score":0.08024109599108879},{"text":"I'll just run through the sections that I need to run through to sort of go through it all with you.","start":382.43,"end":386.67502,"sentiment":"neutral","sentiment_score":0.13491515318552652},{"text":"Feel free to ask me any questions as we are kinda going through it as well.","start":386.67502,"end":390.11502,"sentiment":"neutral","sentiment_score":0.16093636490404606},{"text":"Okay?","start":390.11502,"end":390.61502,"sentiment":"neutral","sentiment_score":0.06844981014728546}],"sentiment":"neutral","sentiment_score":0.12783890418416144,"channel":0,"num_words":51,"start":377.07,"end":390.61502},{"sentences":[{"text":"Yep.","start":391.165,"end":391.665,"sentiment":"neutral","sentiment_score":0.10100212693214417}],"sentiment":"neutral","sentiment_score":0.10100212693214417,"channel":1,"num_words":1,"start":391.165,"end":391.665},{"sentences":[{"text":"Perfect.","start":392.355,"end":392.855,"sentiment":"neutral","sentiment_score":0.24820762872695923},{"text":"So you can see the fee comparison table there, Laurence?","start":394.275,"end":397.335,"sentiment":"neutral","sentiment_score":0.06982381120324135}],"sentiment":"neutral","sentiment_score":0.0860405218872157,"channel":0,"num_words":11,"start":392.355,"end":397.335},{"sentences":[{"text":"Yes.","start":397.725,"end":398.16,"sentiment":"neutral","sentiment_score":0.07627852261066437}],"sentiment":"neutral","sentiment_score":0.07627852261066437,"channel":1,"num_words":1,"start":397.725,"end":398.16},{"sentences":[{"text":"Yeah.","start":398.81998,"end":399.06,"sentiment":"neutral","sentiment_score":0.14909639954566956},{"text":"Beautiful.","start":399.06,"end":399.56,"sentiment":"neutral","sentiment_score":0.29910874366760254},{"text":"So with this one here, as I said, I did go back and have a really good look at your super, the investment that you're in currently.","start":400.09998,"end":405.46,"sentiment":"neutral","sentiment_score":0.15117906972214026},{"text":"So you're in BT Panorama at the moment.","start":405.46,"end":407.69998,"sentiment":"neutral","sentiment_score":0.0591587433591485},{"text":"Your current balance is about 130,000.","start":407.69998,"end":410.19998,"sentiment":"neutral","sentiment_score":0.04685742656389872}],"sentiment":"neutral","sentiment_score":0.1228942914411079,"channel":0,"num_words":43,"start":398.81998,"end":410.19998},{"sentences":[{"text":"You are paying administration fees, investment fees, the ongoing service fee, your contributions going in at your current rate based on your income, and also your insurance premium's being deducted there for the cover that you hold paid out of super.","start":410.835,"end":424.215,"sentiment":"neutral","sentiment_score":0.053279917414595444},{"text":"You are in a growth portfolio, and we had a bit of a look at how this has been performing.","start":424.61002,"end":429.25,"sentiment":"neutral","sentiment_score":0.041491360403597355},{"text":"So the fund that you're in at the moment is more of an estimate separately managed account, and this sort of separately managed account is very hard to move or make changes to.","start":429.25,"end":439.01,"sentiment":"neutral","sentiment_score":-0.09823950385731278},{"text":"So in order to basically move you in and out of the growth portfolio or make changes to your investments, we actually have to change the whole investment profile.","start":439.01,"end":449.07498,"sentiment":"neutral","sentiment_score":-0.01926230446531855},{"text":"So what I've done, I've had a really good look at how everything has been performing.","start":450.25497,"end":454.12,"sentiment":"neutral","sentiment_score":0.23799165891250595}],"sentiment":"neutral","sentiment_score":0.021738560488380545,"channel":0,"num_words":139,"start":410.835,"end":454.12},{"sentences":[{"text":"The account that you're in, the super funds, and the investments that you're in at the moment has shown a five year rolling average of about 8.53%.","start":454.41998,"end":463.46,"sentiment":"neutral","sentiment_score":0.280384729857798},{"text":"Look.","start":463.46,"end":463.69998,"sentiment":"positive","sentiment_score":0.4539565145969391},{"text":"It's not a bad return by any means, but the whole goal here is to make your super work as hard as possible.","start":463.69998,"end":469.785,"sentiment":"positive","sentiment_score":0.46598487833271857},{"text":"So when","start":470.245,"end":470.64502,"sentiment":"neutral","sentiment_score":0.16305821388959885}],"sentiment":"positive","sentiment_score":0.35977571415451337,"channel":0,"num_words":53,"start":454.41998,"end":470.64502},{"sentences":[{"text":"Yeah.","start":470.42,"end":470.805,"sentiment":"neutral","sentiment_score":0.1488747000694275}],"sentiment":"neutral","sentiment_score":0.1488747000694275,"channel":1,"num_words":1,"start":470.42,"end":470.805},{"sentences":[{"text":"I went back and had a really good look at BT, I actually found a super fund that's a bit cheaper.","start":470.64502,"end":475.385,"sentiment":"positive","sentiment_score":0.463363379240036}],"sentiment":"positive","sentiment_score":0.463363379240036,"channel":0,"num_words":21,"start":470.64502,"end":475.385},{"sentences":[{"text":"Okay.","start":475.925,"end":476.425,"sentiment":"neutral","sentiment_score":0.28512418270111084}],"sentiment":"neutral","sentiment_score":0.28512418270111084,"channel":1,"num_words":1,"start":475.925,"end":476.425},{"sentences":[{"text":"I have this I have made a recommendation to move you out of BT Panorama and into a super fund called Hub twenty four.","start":476.165,"end":482.74002,"sentiment":"neutral","sentiment_score":0.16794179969777664},{"text":"So to give you a little bit of context, Hub twenty four, like BT, is a retail wrap platform.","start":482.96002,"end":488.42,"sentiment":"neutral","sentiment_score":0.17213679732460724},{"text":"Hub twenty four actually has a lot more investment options on it, than BT Panorama 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well.","start":517.2,"end":521.06,"sentiment":"positive","sentiment_score":0.5271519869565964}],"sentiment":"positive","sentiment_score":0.46358728379595515,"channel":0,"num_words":51,"start":507.215,"end":521.06},{"sentences":[{"text":"Yeah.","start":521.33,"end":521.83,"sentiment":"neutral","sentiment_score":0.20597773790359497}],"sentiment":"neutral","sentiment_score":0.20597773790359497,"channel":1,"num_words":1,"start":521.33,"end":521.83},{"sentences":[{"text":"And they also have what's called aggregated trading.","start":521.52,"end":524.24,"sentiment":"neutral","sentiment_score":0.20477814599871635},{"text":"So it means that when we go in to make trades on investments, we tell Hub twenty four what we wanna change within the investment ranges.","start":524.24,"end":531.47504,"sentiment":"neutral","sentiment_score":0.1890043722322354},{"text":"They go into the back end to buy and sell those investments, but they do it in a more tax effective way for you.","start":532.015,"end":537.935,"sentiment":"neutral","sentiment_score":0.2676934264600277},{"text":"So BT Panorama doesn't give you access to aggregated trading, and it means that they can buy and sell in a more tax effective way so that it limits the amount of taxes that you would have to pay or your your super fund has to pay","start":537.935,"end":550.42,"sentiment":"neutral","sentiment_score":0.2170890579198269}],"sentiment":"neutral","sentiment_score":0.22076349336476553,"channel":0,"num_words":105,"start":521.52,"end":550.42},{"sentences":[{"text":"Yep.","start":550.81,"end":551.31,"sentiment":"neutral","sentiment_score":0.12581227719783783}],"sentiment":"neutral","sentiment_score":0.12581227719783783,"channel":1,"num_words":1,"start":550.81,"end":551.31},{"sentences":[{"text":"in order to change or alter the investment structures.","start":550.96,"end":553.46,"sentiment":"neutral","sentiment_score":0.15090000712209278},{"text":"And that's including with reinvesting as well.","start":554.14496,"end":556.305,"sentiment":"neutral","sentiment_score":0.20255108603409358},{"text":"So when your contributions go in or when income is distributed into the fund, that all goes into the cash account.","start":556.305,"end":562.725,"sentiment":"neutral","sentiment_score":0.17546430105964342},{"text":"And then the in hub twenty four, they go in and they have to buy and sell and alter the investments and have that money reinvested for you.","start":562.945,"end":571.04004,"sentiment":"neutral","sentiment_score":0.1200975039973855},{"text":"So they're able to do that in a more tax effective way.","start":571.04004,"end":573.44,"sentiment":"positive","sentiment_score":0.3804112834235032}],"sentiment":"neutral","sentiment_score":0.1868619935272576,"channel":0,"num_words":77,"start":550.96,"end":573.44},{"sentences":[{"text":"Because just like you and I do a tax return every year, your super fund also does a tax return every year.","start":573.44,"end":578.72003,"sentiment":"neutral","sentiment_score":0.32959128442135727},{"text":"So it's just a really good way of being able to buy and sell investments, trying to limit or mitigate as much of the tax consequences for your super as possible, which makes which means that there's more money invested for you compounding and working harder over the longer term.","start":578.72003,"end":594.475,"sentiment":"positive","sentiment_score":0.4090923750400543},{"text":"Does that make sense?","start":594.475,"end":595.535,"sentiment":"neutral","sentiment_score":0.16512475162744522}],"sentiment":"positive","sentiment_score":0.3732385002076626,"channel":0,"num_words":76,"start":573.44,"end":595.535},{"sentences":[{"text":"Yeah.","start":595.9,"end":596.22003,"sentiment":"neutral","sentiment_score":0.13532403111457825},{"text":"That does.","start":596.22003,"end":597.04,"sentiment":"neutral","sentiment_score":0.1555004045367241}],"sentiment":"neutral","sentiment_score":0.14877494672934213,"channel":1,"num_words":3,"start":595.9,"end":597.04},{"sentences":[{"text":"Yeah.","start":597.57,"end":598.07,"sentiment":"neutral","sentiment_score":0.1162501722574234},{"text":"So by moving into Hub twenty four and out of BT Panorama, we have calculated the tax consequences there.","start":598.85004,"end":604.61005,"sentiment":"neutral","sentiment_score":0.11160633438511898},{"text":"So, obviously, we would be selling everything out of BT and rolling it over into Hub twenty four for you.","start":604.61005,"end":610.215,"sentiment":"neutral","sentiment_score":0.13445630371570588},{"text":"You'll see the tax consequence there at the 3,411.","start":610.29504,"end":613.815,"sentiment":"neutral","sentiment_score":0.08042551949620247},{"text":"So we've gone back and had a look at all the capital gains and income that's being produced within your super fund and calculated that at the highest tax rate within super.","start":613.815,"end":622.455,"sentiment":"neutral","sentiment_score":0.13858544977847487}],"sentiment":"neutral","sentiment_score":0.12449951442303481,"channel":0,"num_words":81,"start":597.57,"end":622.455},{"sentences":[{"text":"So we can show that the estimated tax consequence for making the change would be about $3,411, which isn't too bad.","start":622.455,"end":630.42,"sentiment":"neutral","sentiment_score":0.2527058337415968},{"text":"Because when I had a look at your realized and unrealized capital gains, your","start":630.42,"end":634.82,"sentiment":"neutral","sentiment_score":0.15333488690001623}],"sentiment":"neutral","sentiment_score":0.21295745500496455,"channel":0,"num_words":35,"start":622.455,"end":634.82},{"sentences":[{"text":"Yes.","start":634.645,"end":635.145,"sentiment":"positive","sentiment_score":0.3557809591293335}],"sentiment":"positive","sentiment_score":0.3557809591293335,"channel":1,"num_words":1,"start":634.645,"end":635.145},{"sentences":[{"text":"super fund have made about 20,025 thousand dollars since you came on board and since you moved into BT Panorama.","start":634.82,"end":642.775,"sentiment":"positive","sentiment_score":0.4737430654466152},{"text":"So","start":643.315,"end":643.815,"sentiment":"positive","sentiment_score":0.47044625878334045}],"sentiment":"positive","sentiment_score":0.47358607465312597,"channel":0,"num_words":21,"start":634.82,"end":643.815},{"sentences":[{"text":"Yes.","start":644.245,"end":644.7,"sentiment":"positive","sentiment_score":0.7073155641555786}],"sentiment":"positive","sentiment_score":0.7073155641555786,"channel":1,"num_words":1,"start":644.245,"end":644.7},{"sentences":[{"text":"it had done very well, and to come out with this small tax consequence for the rollover was really good and really happy with that.","start":644.275,"end":652.135,"sentiment":"positive","sentiment_score":0.7774636745452881},{"text":"Okay?","start":652.32996,"end":652.82996,"sentiment":"positive","sentiment_score":0.3390355706214905}],"sentiment":"positive","sentiment_score":0.7606010551636035,"channel":0,"num_words":26,"start":644.275,"end":652.82996},{"sentences":[{"text":"Okay.","start":652.54004,"end":652.94,"sentiment":"positive","sentiment_score":0.391153872013092},{"text":"Cool.","start":652.94,"end":653.44,"sentiment":"positive","sentiment_score":0.6575592756271362}],"sentiment":"positive","sentiment_score":0.5243565738201141,"channel":1,"num_words":2,"start":652.54004,"end":653.44},{"sentences":[{"text":"Beautiful.","start":654.08997,"end":654.58997,"sentiment":"positive","sentiment_score":0.5986613035202026},{"text":"Now on the the recommended side there, you'll see within hub twenty four, once we do the rollover, the expected balance to be received would be a $126,005.89.","start":655.37,"end":664.88995,"sentiment":"neutral","sentiment_score":0.19138047977217607},{"text":"That's your balance minus the CGT consequence.","start":664.88995,"end":668.205,"sentiment":"neutral","sentiment_score":0.11904034976448331}],"sentiment":"neutral","sentiment_score":0.1886276995970143,"channel":0,"num_words":36,"start":654.08997,"end":668.205},{"sentences":[{"text":"Yep.","start":669.065,"end":669.565,"sentiment":"neutral","sentiment_score":0.06318517029285431}],"sentiment":"neutral","sentiment_score":0.06318517029285431,"channel":1,"num_words":1,"start":669.065,"end":669.565},{"sentences":[{"text":"Inside hub twenty four, you'll see there are administration fees.","start":669.145,"end":672.34503,"sentiment":"neutral","sentiment_score":0.04440589025616646},{"text":"Now the admin fee is slightly higher than BT Panorama.","start":672.34503,"end":675.325,"sentiment":"neutral","sentiment_score":0.03692024685442448},{"text":"However, the investments fee fee is much lower.","start":675.625,"end":678.445,"sentiment":"neutral","sentiment_score":0.10823650937527418},{"text":"So you'd pay $37 more for the year for the admin fee, but we save $74 for the year in investment fees.","start":678.86005,"end":686.14,"sentiment":"neutral","sentiment_score":0.23292937972159547},{"text":"So, overall, when you weigh up the two options, you're actually saving in fees overall, which means more money stays invested in your super.","start":686.14,"end":693.68005,"sentiment":"neutral","sentiment_score":0.2677277773618698}],"sentiment":"neutral","sentiment_score":0.1787711683333524,"channel":0,"num_words":74,"start":669.145,"end":693.68005},{"sentences":[{"text":"Does 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awesome.","start":695.355,"end":696.015,"sentiment":"positive","sentiment_score":0.7380039691925049}],"sentiment":"positive","sentiment_score":0.7065033316612244,"channel":1,"num_words":5,"start":694.475,"end":696.015},{"sentences":[{"text":"Yeah.","start":696.515,"end":696.835,"sentiment":"positive","sentiment_score":0.34684497117996216},{"text":"And because the balance is expected to be slightly lower once we complete the rollover, you're also gonna save an adviser fee.","start":696.835,"end":702.59503,"sentiment":"neutral","sentiment_score":0.14093020829287442},{"text":"So our adviser fees are expected to save you $65 for the year as well, which is a bad thing in any way, shape, or form.","start":702.59503,"end":708.695,"sentiment":"neutral","sentiment_score":-0.21132282024392715}],"sentiment":"neutral","sentiment_score":-0.041777219851406255,"channel":0,"num_words":49,"start":696.515,"end":708.695},{"sentences":[{"text":"Yeah.","start":709.25995,"end":709.74,"sentiment":"neutral","sentiment_score":-0.007671948522329331},{"text":"Yeah.","start":709.74,"end":710.13995,"sentiment":"neutral","sentiment_score":0.0018118936568498611},{"text":"Mhmm.","start":710.13995,"end":710.63995,"sentiment":"neutral","sentiment_score":0.014720899984240532}],"sentiment":"neutral","sentiment_score":0.002953615039587021,"channel":1,"num_words":3,"start":709.25995,"end":710.63995},{"sentences":[{"text":"Yeah.","start":711.15,"end":711.65,"sentiment":"neutral","sentiment_score":0.08121076226234436},{"text":"Now","start":712.27,"end":712.67,"sentiment":"neutral","sentiment_score":0.17637580633163452}],"sentiment":"neutral","sentiment_score":0.12879328429698944,"channel":0,"num_words":2,"start":711.15,"end":712.67},{"sentences":[{"text":"Cool.","start":712.315,"end":712.815,"sentiment":"neutral","sentiment_score":0.19362998008728027}],"sentiment":"neutral","sentiment_score":0.19362998008728027,"channel":1,"num_words":1,"start":712.315,"end":712.815},{"sentences":[{"text":"within the Hub 24 product, we are gonna invest you in our SMA.","start":712.67,"end":716.83,"sentiment":"neutral","sentiment_score":0.11385643023710984},{"text":"So we've actually recently set up our own separately managed account.","start":716.83,"end":720.21,"sentiment":"neutral","sentiment_score":0.0859037082303654},{"text":"An SMA or a separately managed account is an investment option.","start":720.51,"end":724.45,"sentiment":"neutral","sentiment_score":0.06955999034372243},{"text":"It's an investment option that is professionally managed on behalf of you.","start":724.82495,"end":728.925,"sentiment":"neutral","sentiment_score":0.10868515508870284},{"text":"Essentially, it pulls investors' money together so we can buy shares at a much cheaper rate.","start":729.225,"end":734.845,"sentiment":"neutral","sentiment_score":0.24191069416701794}],"sentiment":"neutral","sentiment_score":0.13277821024022404,"channel":0,"num_words":63,"start":712.67,"end":734.845},{"sentences":[{"text":"We have our own SMA, which is fantastic.","start":735.625,"end":737.96497,"sentiment":"positive","sentiment_score":0.45188692584633827},{"text":"So if you just scroll down to the, sorry, if you scroll up for me just to page number 21, this is essentially what you would see in your super fund there.","start":738.26495,"end":749.26,"sentiment":"neutral","sentiment_score":0.11977509380085394}],"sentiment":"neutral","sentiment_score":0.18619746020995082,"channel":0,"num_words":40,"start":735.625,"end":749.26},{"sentences":[{"text":"Oh, yeah.","start":750.645,"end":751.305,"sentiment":"neutral","sentiment_score":0.056274762377142906}],"sentiment":"neutral","sentiment_score":0.056274762377142906,"channel":1,"num_words":2,"start":750.645,"end":751.305},{"sentences":[{"text":"Yeah.","start":751.88,"end":752.2,"sentiment":"neutral","sentiment_score":0.06275808811187744},{"text":"So within Hub twenty four, we're putting you in the core product, and we'll have your funds distributed across two of our SMAs, the bloom and the evergreen.","start":752.2,"end":760.565,"sentiment":"neutral","sentiment_score":0.10817607385771615},{"text":"It's very similar to what you have within VP Panorama at the moment.","start":761.345,"end":764.865,"sentiment":"neutral","sentiment_score":0.08544989789907749},{"text":"The difference is this SMA is it's a IT SMA, so it's managed by us in our investment committee, but we also utilize BlackRock's investment team to manage this one.","start":764.865,"end":775.23,"sentiment":"neutral","sentiment_score":0.039325745015715556},{"text":"And the difference between the SMA that we have versus the one that iShares, you you were invested in with BT is that we can actually make changes to this SMA.","start":775.29,"end":784.41,"sentiment":"neutral","sentiment_score":0.06315001953513391}],"sentiment":"neutral","sentiment_score":0.0712617454842384,"channel":0,"num_words":103,"start":751.88,"end":784.41},{"sentences":[{"text":"So it's managed by us and BlackRock.","start":784.41,"end":786.43,"sentiment":"neutral","sentiment_score":0.06784929228680474},{"text":"And every three months at the moment, the BlackRock investment committee and our investment committee go in.","start":786.855,"end":792.77496,"sentiment":"neutral","sentiment_score":0.049836450639893025},{"text":"They look at what's invested in there, and we can actually slot in and make changes to the investments within the SMA.","start":792.77496,"end":798.695,"sentiment":"neutral","sentiment_score":0.12216884998435323},{"text":"So it means that whenever there are changes to the market, I think this year is probably a really good example of that where we saw the markets very heavily up and down in about March this year.","start":798.695,"end":810.45996,"sentiment":"neutral","sentiment_score":0.0018921167540707085},{"text":"The March 20 is probably when we saw the biggest dips occurring with what was happening between The US and Iran there.","start":810.45996,"end":816.72504,"sentiment":"neutral","sentiment_score":-0.06449958597394553}],"sentiment":"neutral","sentiment_score":0.02512065048839124,"channel":0,"num_words":106,"start":784.41,"end":816.72504},{"sentences":[{"text":"Yep.","start":817.12,"end":817.62,"sentiment":"neutral","sentiment_score":0.04088301956653595}],"sentiment":"neutral","sentiment_score":0.04088301956653595,"channel":1,"num_words":1,"start":817.12,"end":817.62},{"sentences":[{"text":"And so, essentially, with those ups and downs, our investment committee and the BlackRock team all met together.","start":818.145,"end":824.145,"sentiment":"neutral","sentiment_score":0.046267750672996044},{"text":"They had a look at what the investments were within the SMA there, and they actually made some changes in the back end, which made changes in everyone's super funds that were in the SMA as well.","start":824.145,"end":833.95,"sentiment":"neutral","sentiment_score":0.06287041387042484},{"text":"So having this kind of a product is a benefit to you because it means that we are able to make changes to investments depending on market conditions.","start":833.95,"end":841.49,"sentiment":"positive","sentiment_score":0.4677488537771361},{"text":"Those changes don't require us to give you a new advice document.","start":842.155,"end":846.555,"sentiment":"neutral","sentiment_score":0.28659019495050114},{"text":"It just means that someone can go in the back end to make those changes so that you're always invested in the investments that are working harder.","start":846.555,"end":853.055,"sentiment":"neutral","sentiment_score":0.3265936424334844}],"sentiment":"neutral","sentiment_score":0.2337139624277832,"channel":0,"num_words":122,"start":818.145,"end":853.055},{"sentences":[{"text":"We don't have to annoy you and update advice every year just to make changes to your investment portfolio.","start":853.275,"end":858.9,"sentiment":"neutral","sentiment_score":0.16600106087954422},{"text":"So it's much more of an actively managed approach to investing within your super there.","start":859.36005,"end":863.44,"sentiment":"neutral","sentiment_score":0.21960143993298212},{"text":"Does that make sense?","start":863.44,"end":864.24,"sentiment":"neutral","sentiment_score":0.13308582082390785},{"text":"And do you have any questions?","start":864.24,"end":865.7,"sentiment":"neutral","sentiment_score":0.03471942773709694}],"sentiment":"neutral","sentiment_score":0.16337958194146102,"channel":0,"num_words":44,"start":853.275,"end":865.7},{"sentences":[{"text":"No.","start":866.18,"end":866.42,"sentiment":"neutral","sentiment_score":0.15023298561573029},{"text":"That makes sense, and it's awesome.","start":866.42,"end":867.77997,"sentiment":"positive","sentiment_score":0.42654075225194293},{"text":"Thank you.","start":867.77997,"end":868.26,"sentiment":"positive","sentiment_score":0.5358466506004333},{"text":"I signed","start":868.26,"end":868.66,"sentiment":"neutral","sentiment_score":0.09686945751309396}],"sentiment":"positive","sentiment_score":0.36135542866858567,"channel":1,"num_words":11,"start":866.18,"end":868.66},{"sentences":[{"text":"Yeah.","start":868.56,"end":869.06,"sentiment":"neutral","sentiment_score":0.11911696195602416}],"sentiment":"neutral","sentiment_score":0.11911696195602416,"channel":0,"num_words":1,"start":868.56,"end":869.06},{"sentences":[{"text":"it.","start":868.66,"end":869.16,"sentiment":"neutral","sentiment_score":0.12019193172454834}],"sentiment":"neutral","sentiment_score":0.12019193172454834,"channel":1,"num_words":1,"start":868.66,"end":869.16},{"sentences":[{"text":"Oh, this is fantastic.","start":870.07495,"end":871.21497,"sentiment":"positive","sentiment_score":0.6216637492179871},{"text":"That's essentially what we wanna do 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also showing that it has got good ongoing returns and that your super is working harder.","start":921.5,"end":935.125,"sentiment":"positive","sentiment_score":0.422043428776112}],"sentiment":"positive","sentiment_score":0.41392055398407784,"channel":0,"num_words":131,"start":894.53,"end":935.125},{"sentences":[{"text":"And when we sort of look at the SMA over the past five years, it has performed greater than the SMA product within BT that you're currently in.","start":935.345,"end":944.50995,"sentiment":"positive","sentiment_score":0.38872495400054113},{"text":"So if the market conditions work the way they have done, if we're able to get that 9.33% on a regular basis as a as a minimum, essentially, over the next five to ten years, you could see a greater level of growth to your super and be put in a much better position, which is also important with regards to the advice.","start":944.50995,"end":962.465,"sentiment":"positive","sentiment_score":0.4202727192924136},{"text":"Does that make sense?","start":962.465,"end":963.265,"sentiment":"neutral","sentiment_score":0.06826984882354736},{"text":"Do you have any","start":963.265,"end":963.905,"sentiment":"neutral","sentiment_score":0.004064181121066213}],"sentiment":"positive","sentiment_score":0.38031127421429967,"channel":0,"num_words":99,"start":935.345,"end":963.905},{"sentences":[{"text":"It","start":963.87,"end":964.03,"sentiment":"neutral","sentiment_score":-0.006974715739488602}],"sentiment":"neutral","sentiment_score":-0.006974715739488602,"channel":1,"num_words":1,"start":963.87,"end":964.03},{"sentences":[{"text":"questions?","start":963.905,"end":964.405,"sentiment":"neutral","sentiment_score":-0.010453371331095695}],"sentiment":"neutral","sentiment_score":-0.010453371331095695,"channel":0,"num_words":1,"start":963.905,"end":964.405},{"sentences":[{"text":"don't.","start":964.03,"end":964.395,"sentiment":"neutral","sentiment_score":-0.01627540774643421},{"text":"No questions.","start":964.875,"end":965.53503,"sentiment":"neutral","sentiment_score":-0.009339468088001015}],"sentiment":"neutral","sentiment_score":-0.011651447974145412,"channel":1,"num_words":3,"start":964.03,"end":965.53503},{"sentences":[{"text":"Oh, good.","start":968.11,"end":968.93,"sentiment":"neutral","sentiment_score":0.13753661140799522},{"text":"That's essentially the advice there.","start":969.15,"end":971.17,"sentiment":"neutral","sentiment_score":0.1425068959593773},{"text":"Once we do roll you over into hub twenty four, we will also just retain your life and TPD as it is, but we just wanna have that paid out of the hub twenty four super account.","start":971.31,"end":981.195,"sentiment":"neutral","sentiment_score":0.15362296797133781},{"text":"So we just get you to sign what's called an enduring rollover, and","start":981.195,"end":985.195,"sentiment":"neutral","sentiment_score":0.1933556290773245}],"sentiment":"neutral","sentiment_score":0.16114527536065956,"channel":0,"num_words":57,"start":968.11,"end":985.195},{"sentences":[{"text":"Yep.","start":985.07996,"end":985.57996,"sentiment":"neutral","sentiment_score":0.16650667786598206}],"sentiment":"neutral","sentiment_score":0.16650667786598206,"channel":1,"num_words":1,"start":985.07996,"end":985.57996},{"sentences":[{"text":"that changes where the premiums are paid from.","start":985.195,"end":987.515,"sentiment":"neutral","sentiment_score":0.21666475385427475},{"text":"It's very easy to complete.","start":987.515,"end":989.215,"sentiment":"positive","sentiment_score":0.47447136640548704},{"text":"No additional questions required.","start":989.515,"end":991.135,"sentiment":"neutral","sentiment_score":0.12630973756313324},{"text":"We just put the information in there.","start":991.195,"end":993.135,"sentiment":"neutral","sentiment_score":0.15613810292312078},{"text":"So, essentially, once how this would be implemented for you is we'd start by opening the hub twenty four account there for you.","start":993.71,"end":1000.77,"sentiment":"neutral","sentiment_score":0.17022005144668662}],"sentiment":"neutral","sentiment_score":0.20465833440105966,"channel":0,"num_words":47,"start":985.195,"end":1000.77},{"sentences":[{"text":"We do a full rollover from BT, make sure to provide you with the contributions information for your employer so they can change what the contributions are paid to.","start":1001.07,"end":1009.64496,"sentiment":"neutral","sentiment_score":0.18344265171166124},{"text":"Then we also complete that enduring rollover, have that signed and sent to Neos so that your insurance premiums are deducted out of the hub twenty four super account.","start":1010.105,"end":1019.245,"sentiment":"neutral","sentiment_score":0.2007819907418613},{"text":"And then we'll also help you to complete a beneficiary nomination to make sure that everything is up to date and in line with your wishes for estate planning as well.","start":1019.58,"end":1027.3401,"sentiment":"neutral","sentiment_score":0.2576748767206746},{"text":"Does that all make sense?","start":1027.3401,"end":1028.64,"sentiment":"neutral","sentiment_score":0.12187466025352478}],"sentiment":"neutral","sentiment_score":0.20999796926341158,"channel":0,"num_words":94,"start":1001.07,"end":1028.64},{"sentences":[{"text":"That sounds yeah.","start":1028.985,"end":1029.705,"sentiment":"positive","sentiment_score":0.34733979900677997},{"text":"That's great.","start":1029.705,"end":1030.525,"sentiment":"positive","sentiment_score":0.6575365662574768}],"sentiment":"positive","sentiment_score":0.4714185059070587,"channel":1,"num_words":5,"start":1028.985,"end":1030.525},{"sentences":[{"text":"Yep.","start":1030.3,"end":1030.8,"sentiment":"positive","sentiment_score":0.3784416913986206},{"text":"Fantastic.","start":1031.02,"end":1031.52,"sentiment":"positive","sentiment_score":0.6022759675979614},{"text":"The only other thing to sort of may mention is the ongoing service fee.","start":1032.915,"end":1035.875,"sentiment":"neutral","sentiment_score":0.048361941905958314},{"text":"I did have in the projection table above there.","start":1035.875,"end":1038.035,"sentiment":"neutral","sentiment_score":0.05568713094625208},{"text":"That would just be reapplied to the new account as 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your super, which is great to see.","start":1044.1951,"end":1053.7,"sentiment":"neutral","sentiment_score":0.292785140192684},{"text":"And we do expect with the moving from one super fund to another with the capital gains consequences that BT were taking to account that that ongoing service fee should reduce a little bit for the first year as well, which is only a benefit to you.","start":1054.24,"end":1068.095,"sentiment":"neutral","sentiment_score":0.22124359614037453},{"text":"So yeah.","start":1068.155,"end":1069.5449,"sentiment":"neutral","sentiment_score":0.20173612236976624}],"sentiment":"neutral","sentiment_score":0.24532516287683054,"channel":0,"num_words":86,"start":1041.875,"end":1069.5449},{"sentences":[{"text":"Cool.","start":1070.02,"end":1070.52,"sentiment":"positive","sentiment_score":0.3576049208641052},{"text":"That 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that.","start":1073.1699,"end":1075.11,"sentiment":"positive","sentiment_score":0.6358609696229299},{"text":"Is there any questions or anything else that comes to mind, or did you want me to break anything down further for you?","start":1075.41,"end":1080.85,"sentiment":"neutral","sentiment_score":0.14453455481840216},{"text":"Or","start":1080.85,"end":1081.35,"sentiment":"neutral","sentiment_score":0.011484622955322266}],"sentiment":"neutral","sentiment_score":0.24738613469526172,"channel":0,"num_words":32,"start":1071.89,"end":1081.35},{"sentences":[{"text":"No.","start":1081.3451,"end":1081.505,"sentiment":"neutral","sentiment_score":-0.015615883283317087},{"text":"That's okay.","start":1081.505,"end":1082.2251,"sentiment":"neutral","sentiment_score":0.02627727761864662},{"text":"So you'll email me the details, and then I can just send them 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right?","start":1085.1051,"end":1088.71,"sentiment":"neutral","sentiment_score":0.04629034511744976}],"sentiment":"neutral","sentiment_score":0.04629034511744976,"channel":1,"num_words":10,"start":1085.1051,"end":1088.71},{"sentences":[{"text":"Yeah.","start":1088.8949,"end":1089.2949,"sentiment":"neutral","sentiment_score":0.112007774412632},{"text":"Absolutely.","start":1089.2949,"end":1089.7949,"sentiment":"neutral","sentiment_score":0.19123466312885284},{"text":"Yeah.","start":1090.255,"end":1090.495,"sentiment":"neutral","sentiment_score":0.16707655787467957},{"text":"Definitely.","start":1090.495,"end":1090.995,"sentiment":"neutral","sentiment_score":0.25944703817367554},{"text":"So what'll happen is my team will now get notified that you've signed the document there.","start":1091.0549,"end":1095.315,"sentiment":"neutral","sentiment_score":0.17904768697917461}],"sentiment":"neutral","sentiment_score":0.17972645126283168,"channel":0,"num_words":20,"start":1088.8949,"end":1095.315},{"sentences":[{"text":"They'll get started and do up Hub 24 application.","start":1095.5349,"end":1098.28,"sentiment":"neutral","sentiment_score":0.17820742064052159},{"text":"Once that application has been signed and submitted to Hub, they'll open the account, and I'll get them to send that contributions form straight to you.","start":1098.58,"end":1106.6,"sentiment":"neutral","sentiment_score":0.2185472593857692},{"text":"That way you get the form quickly.","start":1106.74,"end":1108.84,"sentiment":"neutral","sentiment_score":0.2596535874264581},{"text":"So when we submit the rollover, it takes a couple of weeks for the funds to be rolled from one fund to another.","start":1109.235,"end":1114.615,"sentiment":"neutral","sentiment_score":0.14918691243814386},{"text":"But I'll","start":1114.995,"end":1115.315,"sentiment":"neutral","sentiment_score":0.13957123458385468}],"sentiment":"neutral","sentiment_score":0.19125540443320774,"channel":0,"num_words":67,"start":1095.5349,"end":1115.315},{"sentences":[{"text":"Yep.","start":1115.3049,"end":1115.8049,"sentiment":"neutral","sentiment_score":0.19668565690517423}],"sentiment":"neutral","sentiment_score":0.19668565690517423,"channel":1,"num_words":1,"start":1115.3049,"end":1115.8049},{"sentences":[{"text":"make sure you get that contribution form nice and quickly.","start":1115.315,"end":1118.135,"sentiment":"neutral","sentiment_score":0.3005827501416206},{"text":"That way you can hand it off to your account team.","start":1118.355,"end":1120.695,"sentiment":"neutral","sentiment_score":0.2656503902240233},{"text":"Okay?","start":1120.755,"end":1121.255,"sentiment":"neutral","sentiment_score":0.11288225650787354}],"sentiment":"neutral","sentiment_score":0.2745847295631062,"channel":0,"num_words":22,"start":1115.315,"end":1121.255},{"sentences":[{"text":"Thank you.","start":1121.24,"end":1121.8,"sentiment":"positive","sentiment_score":0.3397909551858902},{"text":"Yep.","start":1121.8,"end":1122.04,"sentiment":"neutral","sentiment_score":0.25192201137542725},{"text":"That's awesome.","start":1122.04,"end":1122.76,"sentiment":"positive","sentiment_score":0.5367848575115204},{"text":"Thank","start":1122.76,"end":1122.92,"sentiment":"positive","sentiment_score":0.5281869769096375}],"sentiment":"positive","sentiment_score":0.42221010227998096,"channel":1,"num_words":6,"start":1121.24,"end":1122.92},{"sentences":[{"text":"That's","start":1122.85,"end":1123.35,"sentiment":"positive","sentiment_score":0.4730928838253021}],"sentiment":"positive","sentiment_score":0.4730928838253021,"channel":0,"num_words":1,"start":1122.85,"end":1123.35},{"sentences":[{"text":"you so","start":1122.92,"end":1123.58,"sentiment":"positive","sentiment_score":0.45438702404499054}],"sentiment":"positive","sentiment_score":0.45438702404499054,"channel":1,"num_words":2,"start":1122.92,"end":1123.58},{"sentences":[{"text":"that's okay.","start":1123.8099,"end":1124.61,"sentiment":"positive","sentiment_score":0.3675244301557541},{"text":"It's been an absolute pleasure to do the research for you.","start":1124.61,"end":1127.09,"sentiment":"positive","sentiment_score":0.7756292007186196},{"text":"I really enjoyed putting this together, and I was excited that we could, you know, come up with another strategy that is able to put you in a really good position.","start":1127.09,"end":1134.1499,"sentiment":"positive","sentiment_score":0.7804295612919715},{"text":"And we wanna make sure we do regular catch ups again.","start":1134.21,"end":1136.985,"sentiment":"positive","sentiment_score":0.34355227784676984},{"text":"So I know we spoke a few months ago to do your annual review, but did you want me to do a catch up in another maybe three or six months to sort of see how things are tracking for you?","start":1136.985,"end":1145.005,"sentiment":"neutral","sentiment_score":0.1062684433489311}],"sentiment":"positive","sentiment_score":0.43329549689466756,"channel":0,"num_words":96,"start":1123.8099,"end":1145.005},{"sentences":[{"text":"Yeah.","start":1145.225,"end":1145.465,"sentiment":"neutral","sentiment_score":0.03016873449087143},{"text":"That's that'll be great.","start":1145.465,"end":1147.5,"sentiment":"positive","sentiment_score":0.7229907810688019}],"sentiment":"positive","sentiment_score":0.5844263717532158,"channel":1,"num_words":5,"start":1145.225,"end":1147.5},{"sentences":[{"text":"Yeah.","start":1147.385,"end":1147.885,"sentiment":"neutral","sentiment_score":0.22671209275722504},{"text":"Six months, Lauren.","start":1148.1051,"end":1149.0651,"sentiment":"neutral","sentiment_score":0.09153665105501811},{"text":"Just checking.","start":1149.0651,"end":1149.7251,"sentiment":"neutral","sentiment_score":0.11316951364278793}],"sentiment":"neutral","sentiment_score":0.12127684553464253,"channel":0,"num_words":6,"start":1147.385,"end":1149.7251},{"sentences":[{"text":"Yeah.","start":1149.96,"end":1150.28,"sentiment":"neutral","sentiment_score":0.15324091911315918},{"text":"Six months is great.","start":1150.28,"end":1151.5,"sentiment":"positive","sentiment_score":0.3743683621287346}],"sentiment":"neutral","sentiment_score":0.3301428735256195,"channel":1,"num_words":5,"start":1149.96,"end":1151.5},{"sentences":[{"text":"Yep.","start":1151.74,"end":1152.0599,"sentiment":"positive","sentiment_score":0.3919137716293335},{"text":"Beautiful.","start":1152.0599,"end":1152.5599,"sentiment":"positive","sentiment_score":0.6636897325515747},{"text":"Not a problem at all.","start":1152.7,"end":1153.98,"sentiment":"positive","sentiment_score":0.4490485548973083},{"text":"Well, I will let you go because I know you are busy, but I thank you so much for your time.","start":1153.98,"end":1158.0599,"sentiment":"positive","sentiment_score":0.4665229788848332},{"text":"It's been a pleasure to put this together.","start":1158.0599,"end":1159.76,"sentiment":"positive","sentiment_score":0.8865903168916702}],"sentiment":"positive","sentiment_score":0.5608486491772864,"channel":0,"num_words":36,"start":1151.74,"end":1159.76},{"sentences":[{"text":"And, yeah, once we get this all back, my team will be in contact to start implementing it for you.","start":1160.46,"end":1165.52,"sentiment":"positive","sentiment_score":0.5072490587830544}],"sentiment":"positive","sentiment_score":0.5072490587830544,"channel":0,"num_words":20,"start":1160.46,"end":1165.52},{"sentences":[{"text":"Oh, thank you so much.","start":1165.765,"end":1166.805,"sentiment":"positive","sentiment_score":0.7744238018989563},{"text":"I really appreciate it.","start":1166.805,"end":1168.025,"sentiment":"positive","sentiment_score":0.8405822217464447}],"sentiment":"positive","sentiment_score":0.8038275440533956,"channel":1,"num_words":9,"start":1165.765,"end":1168.025},{"sentences":[{"text":"Not a problem at all, Laurie.","start":1168.385,"end":1169.825,"sentiment":"positive","sentiment_score":0.6195423007011414},{"text":"Enjoy your day.","start":1169.825,"end":1170.625,"sentiment":"positive","sentiment_score":0.8010832468668619},{"text":"Have a great day.","start":1170.625,"end":1171.765,"sentiment":"positive","sentiment_score":0.7625673115253448}],"sentiment":"positive","sentiment_score":0.7054440608391395,"channel":0,"num_words":13,"start":1168.385,"end":1171.765},{"sentences":[{"text":"Thanks.","start":1172.165,"end":1172.5651,"sentiment":"positive","sentiment_score":0.7266664505004883},{"text":"You 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The speaker outlines their retirement savings, including a house deposit and savings from a car purchase. They recommend a retirement plan called Hub 24, which is a retail wrap platform and has more investment options. The retirement plan is a tax-efficient way for the customer to make changes to their investment profile and is a more manageable approach for investing within the super fund. The speaker also discusses the benefits of diversifying investments within the super fund and offers advice on completing the rollout of the hub 24 super account."},"intents":{"segments":[{"text":"I had people seem to go through an updated statement of advice. Isn't that still a good time there for you? Yeah.","start_word":26,"end_word":47,"intents":[{"intent":"Obtain new information","confidence_score":0.00007664626}]},{"text":"Maureen, before we jump into the call, I do have to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yeah.","start_word":50,"end_word":83,"intents":[{"intent":"Inform about call recording","confidence_score":0.0014186329}]},{"text":"And just to do security there with you as well, I'll just get you to confirm your full name, your date of birth, and address I should have on file. Yeah. Sure.","start_word":87,"end_word":118,"intents":[{"intent":"Confirm details","confidence_score":0.0042257407}]},{"text":"I've gone back and done some really in-depth research there for you, and I've actually got an updated plan to go through just to sort of show you the new recommendations I'm making.","start_word":211,"end_word":243,"intents":[{"intent":"Offer update on plan","confidence_score":0.002374651}]},{"text":"Do you happen to have access to your emails at all?","start_word":244,"end_word":254,"intents":[{"intent":"Request access to emails","confidence_score":0.09048567}]},{"text":"at the the Brisbane show, which was really Yeah. cool.","start_word":353,"end_word":362,"intents":[{"intent":"Explain purpose of call","confidence_score":0.0011314178}]},{"text":"Because I do the insurance, and I do paint protection now, ceramic paint Yeah. protection.","start_word":369,"end_word":383,"intents":[{"intent":"Mention completing insurance","confidence_score":0.0012802366}]},{"text":"I like it when it's busy. It it sort of makes sure everything's moving, and there's lots of advice to give. So it's good to be able to keep you on track and help you meet your goals and update all of your circumstances, Yeah.","start_word":464,"end_word":508,"intents":[{"intent":"Highlight benefits of phone service","confidence_score":0.000010243221}]},{"text":"Beautiful.","start_word":521,"end_word":521,"intents":[{"intent":"Explain contacting speaker 2, Discuss email options","confidence_score":1.4565179e-9}]},{"text":"So on the front page, it'll say statement of advice as prepared for yourself as of the 06/11/2026. So we date it for the date that we're presenting it because all of Yeah. our advice is valid for sixty days. So it gives you plenty of time to be able to go back and read and review the recommendations then.","start_word":609,"end_word":668,"intents":[{"intent":"Describe document presentation","confidence_score":0.00078495673}]},{"text":"On the bottom of that front page, it's got my licensing information for you. So I'm a licensed adviser registered with, and my license registration number is 1304394. Yeah.","start_word":669,"end_word":697,"intents":[{"intent":"Highlight importance of information sharing","confidence_score":0.0011911369},{"intent":"Share information about company","confidence_score":0.000031226467},{"intent":"Highlight licensing information","confidence_score":0.01213905}]},{"text":"Your goal is to hopefully retire at age 65, if not beforehand.","start_word":725,"end_word":736,"intents":[{"intent":"Evaluate retirement goals","confidence_score":0.32986864}]},{"text":"I'll run through essentially the recommendations I am making for you, and then I'll let you go back to review the rest of the document. With this document, all of those sections are outlined through the document there. I'll have advantages, disadvantages, risks involved, and any alternatives I've considered as well.","start_word":1197,"end_word":1247,"intents":[{"intent":"Review document","confidence_score":0.39352906}]},{"text":"So you can see the fee comparison table there, Laurence? Yes. Yeah.","start_word":1288,"end_word":1299,"intents":[{"intent":"Review fee comparison","confidence_score":0.16822888}]},{"text":"So you're in BT Panorama at the moment. Your current balance is about 130,000. You are paying administration fees, investment fees, the ongoing service fee, your contributions going in at your current rate based on your income, and also your insurance premium's being deducted there for the cover that you hold paid out of super.","start_word":1328,"end_word":1382,"intents":[{"intent":"Understand asset allocation","confidence_score":0.0003017118}]},{"text":"You are in a growth portfolio, and we had a bit of a look at how this has been performing. So the fund that you're in at the moment is more of an estimate separately managed account, and this sort of separately managed account is very hard to move or make changes to. So in order to basically move you in and out of the growth portfolio or make changes to your investments, we actually have to change the whole investment profile.","start_word":1383,"end_word":1464,"intents":[{"intent":"Explore investment portfolio","confidence_score":0.0017878555}]},{"text":"So what I've done, I've had a really good look at how everything has been performing.","start_word":1465,"end_word":1480,"intents":[{"intent":"Review performance","confidence_score":0.0024701667}]},{"text":"I went back and had a really good look at BT, I actually found a super fund that's a bit cheaper. Okay. I have this I have made a recommendation to move you out of BT Panorama and into a super fund called Hub twenty four.","start_word":1535,"end_word":1580,"intents":[{"intent":"Review super fund recommendations","confidence_score":0.0008800093}]},{"text":"So by moving into Hub twenty four and out of BT Panorama, we have calculated the tax consequences there.","start_word":1969,"end_word":1987,"intents":[{"intent":"Calculate tax consequences","confidence_score":0.22455803}]},{"text":"We have our own SMA, which is fantastic. So if you just scroll down to the, sorry, if you scroll up for me just to page number 21, this is essentially what you would see in your super fund there. Oh, yeah.","start_word":2374,"end_word":2415,"intents":[{"intent":"Represent sma","confidence_score":0.00012993506}]},{"text":"So it means that whenever there are changes to the market, I think this year is probably a really good example of that where we saw the markets very heavily up and down in about March this year. The March 20 is probably when we saw the biggest dips occurring with what was happening between The US and Iran there. Yep.","start_word":2566,"end_word":2626,"intents":[{"intent":"Analyze market diversification","confidence_score":0.2204508}]},{"text":"But it does help us to make sure that the SMAs are invested in a way that gives you diversification, helps to lower the risk level as much as possible, but also showing that it has got good ongoing returns and that your super is working harder.","start_word":2960,"end_word":3006,"intents":[{"intent":"Discuss sma investment and performance","confidence_score":0.01065537}]},{"text":"So we just get you to sign what's called an enduring rollover, and Yep. that changes where the premiums are paid from.","start_word":3155,"end_word":3176,"intents":[{"intent":"Recommend enduring rollover","confidence_score":0.00070347206},{"intent":"Explain enduring rollover","confidence_score":0.108861566}]},{"text":"And then we'll also help you to complete a beneficiary nomination to make sure that everything is up to date and in line with your wishes for estate planning as well. Does that all make sense?","start_word":3274,"end_word":3309,"intents":[{"intent":"Coordinate beneficiary nomination and update beneficiary nomination","confidence_score":3.2214455e-8}]},{"text":"And we do expect with the moving from one super fund to another with the capital gains consequences that BT were taking to account that that ongoing service fee should reduce a little bit for the first year as well, which is only a benefit to you. So yeah.","start_word":3391,"end_word":3439,"intents":[{"intent":"Streamline fund transition","confidence_score":0.002051221}]}]},"sentiments":{"segments":[{"text":"Hi, Lauren. It's Sandra from OC Financial. How are you this morning?","start_word":0,"end_word":11,"sentiment":"neutral","sentiment_score":0.15526694059371948},{"text":"I'm good. Thanks. How are you? I'm very well. Thank you. Thanks for asking.","start_word":12,"end_word":25,"sentiment":"positive","sentiment_score":0.480764240026474},{"text":"I had people seem to go through an updated statement of advice. Isn't that still a good time there for you? Yeah. Yes.","start_word":26,"end_word":48,"sentiment":"neutral","sentiment_score":0.03625067695975304},{"text":"Fantastic.","start_word":49,"end_word":49,"sentiment":"positive","sentiment_score":0.4531745910644531},{"text":"Maureen, before we jump into the call, I do have to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yeah. That's fine.","start_word":50,"end_word":85,"sentiment":"neutral","sentiment_score":0.1752588003873825},{"text":"Fantastic.","start_word":86,"end_word":86,"sentiment":"positive","sentiment_score":0.5284748077392578},{"text":"And just to do security there with you as well, I'll just get you to confirm your full name, your date of birth, and address I should have on file. Yeah. Sure. It's Lauren Marie Lafety, and it's the '18 Yeah. '32, and address is 34 Eliza Street In Clayfield 4011. Lovely.","start_word":87,"end_word":138,"sentiment":"neutral","sentiment_score":0.12932835519313812},{"text":"Thank you so much for that.","start_word":139,"end_word":144,"sentiment":"positive","sentiment_score":0.5985015630722046},{"text":"Okay. Lauren, last time we spoke and did your annual review, we were going back to have a bit of a look at your super fund to kinda review that plus the investment, see how things were tracking for you, and look to see if there's any new advice that we could provide to kinda keep you on track or update all of your circumstances. Yep. I've gone back and done some really in-depth research there for you, and I've actually got an updated plan to go through just to sort of show you the new recommendations I'm making. Do you happen to have access to your emails at all? If you don't, that's absolutely okay. Yeah. I do. Yeah.","start_word":145,"end_word":264,"sentiment":"neutral","sentiment_score":0.1160859614610672},{"text":"Beautiful.","start_word":265,"end_word":265,"sentiment":"positive","sentiment_score":0.35335344076156616},{"text":"What I'm gonna do, I'm gonna email this document through to you. If you're able to jump in there and open it up for me, Yep. I've just pressed send there. Hopefully, it comes through. Love technology when it wants to work for us. So it Yeah. said sent. How's everything been going for you at work? Yeah. Really good. It's been so busy. Fantastic. So it's Oh, so and good. we just had the show over the weekend and last week, you know, like, Yeah. at the the Brisbane show, which was really Yeah.","start_word":266,"end_word":360,"sentiment":"neutral","sentiment_score":0.14152458466981588},{"text":"cool.","start_word":361,"end_word":361,"sentiment":"positive","sentiment_score":0.4491126835346222},{"text":"So it's been Oh, so busy.","start_word":362,"end_word":367,"sentiment":"neutral","sentiment_score":0.1462339609861374},{"text":"fantastic.","start_word":368,"end_word":368,"sentiment":"positive","sentiment_score":0.5221827030181885},{"text":"Because I do the insurance, and I do paint protection now, ceramic paint Yeah. protection. Yeah. So it's really been on the phone. I just got off the phone in time to get your call. No. That's honestly okay. Being busy.","start_word":369,"end_word":409,"sentiment":"neutral","sentiment_score":0.07849594950675964},{"text":"I love this.","start_word":410,"end_word":412,"sentiment":"positive","sentiment_score":0.5832412242889404},{"text":"This is busy for us this time of year as well. It's been pretty crazy. Been a very intense year, actually. The last sort of twelve months have just been insane with the amount of advice and the research and the updating, and it's been a lot, but it's been good.","start_word":413,"end_word":463,"sentiment":"neutral","sentiment_score":0.13540953397750854},{"text":"I like it when it's busy. It it sort of makes sure everything's moving, and there's lots of advice to give. So it's good to be able to keep you on track and help you meet your goals and update all of your circumstances, Yeah. which is kind of cool.","start_word":464,"end_word":513,"sentiment":"positive","sentiment_score":0.5600231289863586},{"text":"Yeah. I got that email too.","start_word":514,"end_word":519,"sentiment":"neutral","sentiment_score":0.2499265968799591},{"text":"Beautiful. Beautiful.","start_word":520,"end_word":521,"sentiment":"positive","sentiment_score":0.5551803112030029},{"text":"Now you can do this one or two ways. You can press the sign button, which allows you to go through and review the document. I'll never ask you to sign anything you haven't read through. Alternatively, on the front screen, you'll have some attachments. There's quite a few attachments below, and Yes. one of those is the statement of advice that you're able to open up that way as well. Okay. Oh, I just clicked on the clicked on it, so I've got it here. Perfect. So on the front page, it'll say statement of advice as prepared for yourself as of the 06/11/2026. So we date it for the date that we're presenting it because all of Yeah. our advice is valid for sixty days. So it gives you plenty of time to be able to go back and read and review the recommendations then. On the bottom of that front page, it's got my licensing information for you. So I'm a licensed adviser registered with, and my license registration number is 1304394. Yeah. Okay. As you are sort of scrolling through the first few pages there, we've outlined the areas that we have scoped in. So looking at for you. Your goal is to hopefully retire at age 65, if not beforehand. At the time, we talked about an income an annual income of about 72,000 per annum. That could definitely change. You're still very young, have a lot of working life ahead of you, so that could definitely change in the future. So that's kind of where we're tracking for at the moment for you. Okay? Yeah. We talked about reviewing your super within BT, also reviewing your portfolio, how you invest it, and if there was anything out there that might be cheaper, might be working harder for you, and might put you in a better position moving forward and retaining you as a growth investor as well. Okay. Yep. We also sort of scoped in the estate planning side of things, just making sure that you are able to have a will power of attorney done up, making sure your beneficiaries remain in line with your wishes as well. You wanted to make sure that if in the event that something happened that your life and super could be paid out to Tim. Yeah. We have a limited scope section on page number five. So your insurance, since you've got life and TBD, so life cover and ADL definition TBD cover, last time we spoke, you didn't really wanna change anything with that at the moment, and that's absolutely fine. So we are just keeping that as it is, not making any additional recommendations there. Just making sure it can remain paid out of your super for you. Okay? Yep. And then areas that we've scoped out, so you didn't wanna look at any income protection or trauma insurances, and that's absolutely fine. If at any point you wanted to look at anything additional, let me know.","start_word":522,"end_word":1024,"sentiment":"neutral","sentiment_score":0.12014399350400472},{"text":"I'm more than happy to help you assess those.","start_word":1025,"end_word":1033,"sentiment":"positive","sentiment_score":0.4503421485424042},{"text":"Yep. And you guys were also saving for a house deposit. You were able to put away about $500 a week at the time. How's that house deposit savings going? Have you managed to build up a bit more in that? Or No. Not really. I ended up getting not a car, so we're at oh, Square 1 again.","start_word":1034,"end_word":1092,"sentiment":"neutral","sentiment_score":0.08636894077062607},{"text":"nice. Nice. Nice.","start_word":1093,"end_word":1095,"sentiment":"positive","sentiment_score":0.395168274641037},{"text":"What I kind know. of car did you end up A getting? Mazda c o three.","start_word":1096,"end_word":1111,"sentiment":"neutral","sentiment_score":0.027165238745510575},{"text":"Beautiful. Everyone tells me they are so nice to drive. Yeah. It's pretty cool. Awesome. Awesome.","start_word":1112,"end_word":1127,"sentiment":"positive","sentiment_score":0.7456434369087219},{"text":"So we have that as a sort of a medium term goal. Scoping that out for now, we can always go back to the drawing board and look at that down the track for you as well. Okay? Okay.","start_word":1128,"end_word":1166,"sentiment":"neutral","sentiment_score":0.2521263062953949},{"text":"Excellent.","start_word":1167,"end_word":1167,"sentiment":"positive","sentiment_score":0.4949968755245209},{"text":"To make this nice and easy, because I know you are busy, if you can scroll down for me just to page number so sorry. Page number 23 there. I'll run through essentially the recommendations I am making for you, and then I'll let you go back to review the rest of the document. With this document, all of those sections are outlined through the document there. I'll have advantages, disadvantages, risks involved, and any alternatives I've considered as well. I'll just run through the sections that I need to run through to sort of go through it all with you. Feel free to ask me any questions as we are kinda going through it as well. Okay? Yep. Perfect. So you can see the fee comparison table there, Laurence? Yes. Yeah. Beautiful. So with this one here, as I said, I did go back and have a really good look at your super, the investment that you're in currently. So you're in BT Panorama at the moment. Your current balance is about 130,000. You are paying administration fees, investment fees, the ongoing service fee, your contributions going in at your current rate based on your income, and also your insurance premium's being deducted there for the cover that you hold paid out of super. You are in a growth portfolio, and we had a bit of a look at how this has been performing. So the fund that you're in at the moment is more of an estimate separately managed account, and this sort of separately managed account is very hard to move or make changes to. So in order to basically move you in and out of the growth portfolio or make changes to your investments, we actually have to change the whole investment profile. So what I've done, I've had a really good look at how everything has been performing. The account that you're in, the super funds, and the investments that you're in at the moment has shown a five year rolling average of about 8.53%.","start_word":1168,"end_word":1507,"sentiment":"neutral","sentiment_score":0.10286512471297209},{"text":"Look. It's not a bad return by any means, but the whole goal here is to make your super work as hard as possible.","start_word":1508,"end_word":1531,"sentiment":"positive","sentiment_score":0.452409952878952},{"text":"So when Yeah.","start_word":1532,"end_word":1534,"sentiment":"neutral","sentiment_score":0.15596646070480347},{"text":"I went back and had a really good look at BT, I actually found a super fund that's a bit cheaper.","start_word":1535,"end_word":1555,"sentiment":"positive","sentiment_score":0.468671053647995},{"text":"Okay. I have this I have made a recommendation to move you out of BT Panorama and into a super fund called Hub twenty four. So to give you a little bit of context, Hub twenty four, like BT, is a retail wrap platform. Hub twenty four actually has a lot more investment options on it, than BT Panorama does. Hub twenty four allows us to anywhere up to 1,178 different investment options. That's from managed funds, exchange rate of funds, right under individual shares and companies. So it has a lot more range of investments there. Yep. Hub twenty four is an Australian company as well, and it's ASX listed.","start_word":1556,"end_word":1666,"sentiment":"neutral","sentiment_score":0.22672711312770844},{"text":"So it's a very large company, Australian owned, and we like them because they give us access to a lot more investments. They're actually a bit cheaper than BT when you weigh up the total fees as well.","start_word":1667,"end_word":1704,"sentiment":"positive","sentiment_score":0.530519425868988},{"text":"Yeah. And they also have what's called aggregated trading. So it means that when we go in to make trades on investments, we tell Hub twenty four what we wanna change within the investment ranges. They go into the back end to buy and sell those investments, but they do it in a more tax effective way for you. So BT Panorama doesn't give you access to aggregated trading, and it means that they can buy and sell in a more tax effective way so that it limits the amount of taxes that you would have to pay or your your super fund has to pay Yep. in order to change or alter the investment structures. And that's including with reinvesting as well. So when your contributions go in or when income is distributed into the fund, that all goes into the cash account. And then the in hub twenty four, they go in and they have to buy and sell and alter the investments and have that money reinvested for you.","start_word":1705,"end_word":1876,"sentiment":"neutral","sentiment_score":0.19271788191656733},{"text":"So they're able to do that in a more tax effective way.","start_word":1877,"end_word":1888,"sentiment":"positive","sentiment_score":0.3781011402606964},{"text":"Because just like you and I do a tax return every year, your super fund also does a tax return every year.","start_word":1889,"end_word":1910,"sentiment":"neutral","sentiment_score":0.3246256411075592},{"text":"So it's just a really good way of being able to buy and sell investments, trying to limit or mitigate as much of the tax consequences for your super as possible, which makes which means that there's more money invested for you compounding and working harder over the longer term.","start_word":1911,"end_word":1960,"sentiment":"positive","sentiment_score":0.4114611446857453},{"text":"Does that make sense? Yeah. That does. Yeah. So by moving into Hub twenty four and out of BT Panorama, we have calculated the tax consequences there. So, obviously, we would be selling everything out of BT and rolling it over into Hub twenty four for you. You'll see the tax consequence there at the 3,411. So we've gone back and had a look at all the capital gains and income that's being produced within your super fund and calculated that at the highest tax rate within super. So we can show that the estimated tax consequence for making the change would be about $3,411, which isn't too bad. Because when I had a look at your realized and unrealized capital gains, your Yes.","start_word":1961,"end_word":2084,"sentiment":"neutral","sentiment_score":0.15318474173545835},{"text":"super fund have made about 20,025 thousand dollars since you came on board and since you moved into BT Panorama. So Yes. it had done very well, and to come out with this small tax consequence for the rollover was really good and really happy with that. Okay? Okay. Cool. Beautiful.","start_word":2085,"end_word":2135,"sentiment":"positive","sentiment_score":0.6139678359031677},{"text":"Now on the the recommended side there, you'll see within hub twenty four, once we do the rollover, the expected balance to be received would be a $126,005.89. That's your balance minus the CGT consequence. Yep. Inside hub twenty four, you'll see there are administration fees. Now the admin fee is slightly higher than BT Panorama. However, the investments fee fee is much lower. So you'd pay $37 more for the year for the admin fee, but we save $74 for the year in investment fees. So, overall, when you weigh up the two options, you're actually saving in fees overall, which means more money stays invested in your super. Does that Cool. make sense?","start_word":2136,"end_word":2250,"sentiment":"neutral","sentiment_score":0.1754500819289166},{"text":"That's great. Yeah. That's awesome. Yeah.","start_word":2251,"end_word":2256,"sentiment":"positive","sentiment_score":0.6609613299369812},{"text":"And because the balance is expected to be slightly lower once we complete the rollover, you're also gonna save an adviser fee. So our adviser fees are expected to save you $65 for the year as well, which is a bad thing in any way, shape, or form. Yeah. Yeah. Mhmm. Yeah. Now Cool. within the Hub 24 product, we are gonna invest you in our SMA. So we've actually recently set up our own separately managed account. An SMA or a separately managed account is an investment option. It's an investment option that is professionally managed on behalf of you. Essentially, it pulls investors' money together so we can buy shares at a much cheaper rate.","start_word":2257,"end_word":2373,"sentiment":"neutral","sentiment_score":0.05624138563871384},{"text":"We have our own SMA, which is fantastic.","start_word":2374,"end_word":2381,"sentiment":"positive","sentiment_score":0.4562552869319916},{"text":"So if you just scroll down to the, sorry, if you scroll up for me just to page number 21, this is essentially what you would see in your super fund there. Oh, yeah. Yeah. So within Hub twenty four, we're putting you in the core product, and we'll have your funds distributed across two of our SMAs, the bloom and the evergreen. It's very similar to what you have within VP Panorama at the moment. The difference is this SMA is it's a IT SMA, so it's managed by us in our investment committee, but we also utilize BlackRock's investment team to manage this one. And the difference between the SMA that we have versus the one that iShares, you you were invested in with BT is that we can actually make changes to this SMA. So it's managed by us and BlackRock. And every three months at the moment, the BlackRock investment committee and our investment committee go in. They look at what's invested in there, and we can actually slot in and make changes to the investments within the SMA. So it means that whenever there are changes to the market, I think this year is probably a really good example of that where we saw the markets very heavily up and down in about March this year. The March 20 is probably when we saw the biggest dips occurring with what was happening between The US and Iran there. Yep. And so, essentially, with those ups and downs, our investment committee and the BlackRock team all met together. They had a look at what the investments were within the SMA there, and they actually made some changes in the back end, which made changes in everyone's super funds that were in the SMA as well.","start_word":2382,"end_word":2680,"sentiment":"neutral","sentiment_score":0.05683494643323797},{"text":"So having this kind of a product is a benefit to you because it means that we are able to make changes to investments depending on market conditions.","start_word":2681,"end_word":2708,"sentiment":"positive","sentiment_score":0.4736875593662262},{"text":"Those changes don't require us to give you a new advice document. It just means that someone can go in the back end to make those changes so that you're always invested in the investments that are working harder. We don't have to annoy you and update advice every year just to make changes to your investment portfolio. So it's much more of an actively managed approach to investing within your super there. Does that make sense? And do you have any questions? No.","start_word":2709,"end_word":2792,"sentiment":"neutral","sentiment_score":0.2327420562505722},{"text":"That makes sense, and it's awesome. Thank you.","start_word":2793,"end_word":2800,"sentiment":"positive","sentiment_score":0.4771488904953003},{"text":"I signed Yeah. it.","start_word":2801,"end_word":2804,"sentiment":"neutral","sentiment_score":0.11205945909023284},{"text":"Oh, this is fantastic. That's essentially what we wanna do there. It'll essentially also provide you with greater diversification, and one of the biggest things we do as advisers is look at ways to mitigate risk.","start_word":2805,"end_word":2840,"sentiment":"positive","sentiment_score":0.42180076241493225},{"text":"We can't mitigate a 100% of the risk in the market, but diversifying helps to mitigate as much risk as possible.","start_word":2841,"end_word":2861,"sentiment":"neutral","sentiment_score":0.2576465308666229},{"text":"And this SMA product essentially does help to provide the greatest level of diversification. And we get to use the BlackRock investment committees. They have this fantastic computer called Aladdin. And, essentially, we can go into there and add all these investment options in there, and it spits out a level of risk and it spits out diversification numbers, and it kind of goes into the microeconomics of what you're invested in and how the SMAs work, and it's really actually very, very cool on this end of things.","start_word":2862,"end_word":2950,"sentiment":"positive","sentiment_score":0.4690639078617096},{"text":"Most people will probably consider it very, very boring.","start_word":2951,"end_word":2959,"sentiment":"neutral","sentiment_score":-0.17724889516830444},{"text":"But it does help us to make sure that the SMAs are invested in a way that gives you diversification, helps to lower the risk level as much as possible, but also showing that it has got good ongoing returns and that your super is working harder. And when we sort of look at the SMA over the past five years, it has performed greater than the SMA product within BT that you're currently in. So if the market conditions work the way they have done, if we're able to get that 9.33% on a regular basis as a as a minimum, essentially, over the next five to ten years, you could see a greater level of growth to your super and be put in a much better position, which is also important with regards to the advice.","start_word":2960,"end_word":3097,"sentiment":"positive","sentiment_score":0.407715767621994},{"text":"Does that make sense? Do you have any It questions? don't. No questions. Oh, good. That's essentially the advice there. Once we do roll you over into hub twenty four, we will also just retain your life and TPD as it is, but we just wanna have that paid out of the hub twenty four super account. So we just get you to sign what's called an enduring rollover, and Yep. that changes where the premiums are paid from.","start_word":3098,"end_word":3176,"sentiment":"neutral","sentiment_score":0.1370532065629959},{"text":"It's very easy to complete.","start_word":3177,"end_word":3181,"sentiment":"positive","sentiment_score":0.452128142118454},{"text":"No additional questions required. We just put the information in there. So, essentially, once how this would be implemented for you is we'd start by opening the hub twenty four account there for you. We do a full rollover from BT, make sure to provide you with the contributions information for your employer so they can change what the contributions are paid to. Then we also complete that enduring rollover, have that signed and sent to Neos so that your insurance premiums are deducted out of the hub twenty four super account. And then we'll also help you to complete a beneficiary nomination to make sure that everything is up to date and in line with your wishes for estate planning as well. Does that all make sense?","start_word":3182,"end_word":3309,"sentiment":"neutral","sentiment_score":0.1942799985408783},{"text":"That sounds yeah. That's great. Yep. Fantastic.","start_word":3310,"end_word":3316,"sentiment":"positive","sentiment_score":0.5010454654693604},{"text":"The only other thing to sort of may mention is the ongoing service fee. I did have in the projection table above there. That would just be reapplied to the new account as well. It's just Yep. 1.65% per annum. Again, with the ongoing service fee, it is deducted in smaller monthly increments, so it does fluctuate with the market and is tied to the performance of your super, which is great to see. And we do expect with the moving from one super fund to another with the capital gains consequences that BT were taking to account that that ongoing service fee should reduce a little bit for the first year as well, which is only a benefit to you. So yeah.","start_word":3317,"end_word":3439,"sentiment":"neutral","sentiment_score":0.1937803397394293},{"text":"Cool. That sounds Oh, great. good.","start_word":3440,"end_word":3445,"sentiment":"positive","sentiment_score":0.458057165145874},{"text":"Yeah.","start_word":3446,"end_word":3446,"sentiment":"neutral","sentiment_score":0.29128825664520264},{"text":"Thank you so much for that.","start_word":3447,"end_word":3452,"sentiment":"positive","sentiment_score":0.6331180930137634},{"text":"Is there any questions or anything else that comes to mind, or did you want me to break anything down further for you? Or No. That's okay. So you'll email me the details, and then I can just send them through yep. to account to where to put the is that right? Yeah. Absolutely. Yeah. Definitely. So what'll happen is my team will now get notified that you've signed the document there. They'll get started and do up Hub 24 application. Once that application has been signed and submitted to Hub, they'll open the account, and I'll get them to send that contributions form straight to you. That way you get the form quickly. So when we submit the rollover, it takes a couple of weeks for the funds to be rolled from one fund to another. But I'll Yep. make sure you get that contribution form nice and quickly. That way you can hand it off to your account team. Okay? Thank you. Yep.","start_word":3453,"end_word":3617,"sentiment":"neutral","sentiment_score":0.1689496785402298},{"text":"That's awesome. Thank That's you so that's okay. It's been an absolute pleasure to do the research for you. I really enjoyed putting this together, and I was excited that we could, you know, come up with another strategy that is able to put you in a really good position. And we wanna make sure we do regular catch ups again.","start_word":3618,"end_word":3678,"sentiment":"positive","sentiment_score":0.6383851766586304},{"text":"So I know we spoke a few months ago to do your annual review, but did you want me to do a catch up in another maybe three or six months to sort of see how things are tracking for you? Yeah.","start_word":3679,"end_word":3720,"sentiment":"neutral","sentiment_score":0.1026998534798622},{"text":"That's that'll be great.","start_word":3721,"end_word":3724,"sentiment":"positive","sentiment_score":0.7211505174636841},{"text":"Yeah. Six months, Lauren. Just checking. Yeah.","start_word":3725,"end_word":3731,"sentiment":"neutral","sentiment_score":0.13262875378131866},{"text":"Six months is great. Yep. Beautiful. Not a problem at all. Well, I will let you go because I know you are busy, but I thank you so much for your time. It's been a pleasure to put this together. And, yeah, once we get this all back, my team will be in contact to start implementing it for you. Oh, thank you so much. I really appreciate it. Not a problem at all, Laurie. Enjoy your day. Have a great day. Thanks. You too. Thanks. See you later.","start_word":3732,"end_word":3820,"sentiment":"positive","sentiment_score":0.59444260597229},{"text":"Bye.","start_word":3821,"end_word":3821,"sentiment":"neutral","sentiment_score":0.3207443058490753}],"average":{"sentiment":"neutral","sentiment_score":0.21587882796843688}}}}