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Does this also a good time for you? Yes? Perfect. Now, Peter, before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. Perfect. And just for security purposes, just so that I can confirm I'm speaking with the right person, could I please just get you to confirm your full name, date of birth, and address, please? Yep. Perfect. And how's your day been? Been busy? Yes. Same here same here. Same here today. No, Peter. I will try not to keep you on the phone for too long. It is pretty straightforward today. Sure. Yep. Can you hear me okay? Yep. Perfect. Now, Peter, do you have access to your emails at the moment or or not really right now? Yeah. That would be great because I have just sent you an email with the recommendations to go through with you quickly, and it just makes it a bit easier for you if you can get that up at the same time. Sorry. Let me know if that email came through okay to you. Okay. Beautiful. Now if you can open that email for me, now it will say same as it did for under review. I think it says click now to sign. It doesn't mean that it will ask you to sign right away, but by clicking the link, it will just allow you to open up and look at the recommendations first. Just request yes. Correct. If you click on that link, it should then open up the actual attachments first. Yep. Perfect. So can you see that cover page where it says prepared for Peter Clark? And there's, like, a pretty photo of the Gold Coast in the back there. Yeah. Okay. Perfect. Now, Peter, like I said, I'll try to make it quick for you. But every time we do make a recommendation, we have to put everything in the statement of advice for you just to make sure you fully understand everything. A lot of it is just the compliance, and it is pretty straightforward today. So I'll tryna just go through the main points for you, but that's all in here just to make sure you fully understand everything. Does that make sense? Yep. Perfect. Now you will see that this has been tailored specifically to you. And on the cover page, you can also see my details. You can see my authorized representative number listed, and I am licensed under both of you financials. Now if you go to the second page, can you see where it says best interest duty? Yep. Based. Have you ever heard of this before, Peter? No. Basically, what it means is that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendations. Does that make sense? Cool. No worries. Did you hear any of that, or do you want me to just repeat it? No. So, basically okay. Let me see if let me see if I can turn that up for you if it's my end. Just just ask me to repeat if you can't hear anything. Okay? Yep. Perfect. Basically, there's a lot of legislation in place to protect you and that we always have to act in your best interest and that the advice has to put you in a better position as a result of the advice, essentially. So that's kind of what that talks about. Makes sense? Yep. Perfect. Now if you can scroll down through page three for me, it should say scope of advice. Yep. So next after that. Yep. Perfect. Basically, what this talks about is the areas we are looking at today. So, basically, the main purpose of following the under review was for me to do some research on your super investments, look at potentially reducing risk just a little bit as you are getting closer to retirement just from growth down to one step, if it was going to be good for you just to turn up limit fluctuations a little bit, but still making sure we focus on a steady growth. Do you remember that conversation? Yeah. Okay. Beautiful. Otherwise, I have also just included some information in regards to estate planning for you, but we are not making any recommendations on insurances or anything else. Literally just focusing on those super investments today. Now if you can scroll down for me, just keep scrolling until you get through page nine, and it talks about risk profile. And what you will see as scrolling through is just a couple of pages. You'll see some personal information in regards to you, your assets that we kind of touched on during the annual review, and then that should take you to your risk profile. It should be yeah. Perfect. So do you remember doing the under review, we went through that little kind of questionnaire to see how you feel about market fluctuations and time until retirement and stuff like that? Yep. Perfect. So So you did come out as a balanced growth investor, which is very suitable for kind of where you are at at the moment with your goals and time frames until retirement. So what I have recommended today is that balanced growth portfolio, and I will show you shortly what that actually looks like and how it changes things for you in regards to your superannuation. So if you can scroll down for me until page 14, you should have a fee comparison table kind of outlining this change. There should be, like, a a big table with numbers and everything. Yep. Perfect. So this basically summarizes the recommendation and kind of the pages that you did scroll through. So what I have done is I have recommended that you stay in hub twenty four. So part of the research is also considering a lot of other super funds just to make sure the hub twenty four is still the best option for you because there's always new products and features that comes out. So it is important to reassess just to make sure it's still the best super fund for you. And after doing research, it's still very competitive when it comes to fees and features and investment choices. So I have recommended that we stay in Hub 24 and just change some of those investments around for you. Now what that actually looks like so what you can see here is the second column should say your current. Can you see that? Yep. So that outlines your current situation. It shows you all the fees associated with the account, contributions and everything going in. And then at the bottom, it shows you your total cost, and it also shows you your five year rolling average on your current investment portfolio. So can you see where it says growth, and then it says 10.01%? Kind of at the bottom. No. That's okay. Take your time. Yeah. So can you see on this page where it says your five year rolling average, and it shows you 10.01 under the column where it says current? Yep. Perfect. Basically, what this shows that that is your five year rolling average on your current growth portfolio. Now the reason we use a five year rolling average, so it's using a five year period and averaging it out each year, is to give us a little bit more certainty of what has happened in the portfolio and the market. Because some sometimes for some years, you would have it's been really good, and other years, not so good depending on what's happening in the market. So that's why we are wanting to use a five year period and averaging it out to give us a little bit more sense. Does that make sense? Yep. Perfect. So what I have recommended is then on the other side, so the column next to it. Now what this actually looks like is by making a couple of investment changes for you and reducing your risk and fluctuation, it is actually saving you about $442 per year in investment fees alone, which does add up. Yeah. So it makes it a little bit cheaper for you, which is great. Obviously, less fees you have coming out in super means you have more money being invested and more for you at the end of it when you do retire. Now now you can then also see the return. So even though we are reducing your risk down through a balanced growth, the performance when we are looking at the same five year period has actually improved, which is really good because we are taking on less risk and fluctuations, and it's still seeing a bit of performance increase. So it's a difference by about 0.68%. It still makes a difference, though, when we are compounding things for you, and also means that if you do decide to take any money out sooner, then you're not gonna have those same kind of fluctuations. Now the good thing as well is that sometimes when we do make changes to investments, there will be some capital gains tax associated when you sell an investment. So similar to, like, an investment property. If you sell it, you'll have to pay tax on the earning. The same applies in the super environment. It all takes place within your super for you, so it's not something you'd have to worry about yourself or declare on tax returns or anything like that. And it does change on a daily, obviously, depending on the prices of the investments. But when we did the research for you, Peter, it showed that the the couple of investment changes we have recommended, it is estimated to trigger no capital gains tax, which is great. Yep. That's good. Now at the bottom of that table, you can then kind of see things forecasted five and ten years for you. Just to show you that saving a little bit in fees, improving those returns and fluctuations a little bit for you, it still makes it still makes a difference, same. Yep. Perfect. Does that all make sense so far? Any questions? Yep. Okay. Perfect. Now on the next page, you should see another table where it talks about investment returns a little bit more. Should be page fifth 15. Yes. Can you see that little table? It says twelve months, three, five, and ten years. Yeah. And that just shows you a little bit longer period of time between the portfolios as well. So you can actually see that twelve months, three years, and five years, the recommended portfolio has performed better than your current portfolio. When we are looking at a ten year time frame, the current has performed a little bit better, which is expected when you are seeing a lot more fluctuations in the short term. But even when we're looking at five and three years, the recommended has still outperformed, which is great. Yep. Now what that actually looks like in terms of the investment changes is the following page, so page 16. Now this might look a little bit messy. Basically, what it is, it is showing the changes we are wanting to do to your investments. So the first column you have, basically, what the investment is called. The column next to it, you have the kind of special little code. You then have a current weight, so how much you currently have in that one investment option. Basically, what that looks like from the dollar value, and then you have the buy and sell column. Now on this column, everything that is in red is what we are looking at selling, and what's in black is what we are adding to your portfolio. Does that make sense? Yep. Can you see those the the minus the minuses listed here? Yep. You then have the target weight next to it, so how much we are wanting in each option, and then, again, what that looks like from a dollar value. To make it as simple as possible, basically, what we are changing is that we are selling the first one all the way at the top, which is that Benelon Australian equity. That is that one investment I kind of touched on during the annual review that recently had been underperforming a little bit and that I wanted to do some more research on. Is that do you remember that briefly? Yeah. Perfect. So we are completely selling out of the Benelong, and instead, we are adding the BetaShares Australia 200 to your portfolio. It is another Australian investment. It is just changing for another one that has performed a bit better, is a little bit cheaper, and it is more diversified in that you are invested in 200 companies in the one option for giving you that diversification. We're also swapping out one of your so the second investment to the top where it talks about the bank hybrids, that one is slowly being phased out. So we're just changing that one to another defensive investment. We are swapping some of your kind of your satellite investments, so the India investment and and health care. So these are the ones that have a higher allocation through your your kind of your more growth portfolios because they can fluctuate a little bit more. But because we are wanting to reduce the risk a little bit down, it is just, like, kind of filling out of them and instead looking at a bit of, like, infrastructure for you and shifting allocation in the other investments that you already have in your portfolio that's been kind of reallocating the percentage, just reducing risk a little bit for you. Does that make sense, Peter? Yep. Do you have any questions in regards to any any of that? And and that's okay. But, basically, what it is, we're just changing some that has underperformed a little bit through some similar options, and we are then taking some out of your portfolio that can fluctuate a little bit more for a little bit more kind of little bit more defensive investments, essentially. For you, Peter. It should you have should have a little pie chart and a table again. Yep. What this looks like, it basically shows how much those growth and defensive investments. So in a balanced growth portfolio, we wanna aim for about seventy thirty. So 70 in growth, 30% in defensive. Now the column next to it, you can say existing. So that shows you that at the moment, you have about 81 in growth and then about 19.9 in defensive. The post portfolio, you can see, are a little bit less in growth and a little bit more in defensive, which is what we want because we wanna smooth out those fluctuations a little bit for you as you are getting closer to retirement, but still making sure we don't jeopardize the returns. So you can see that's reducing growth a little bit, increasing that as a defensive proportion just a little bit for you. Makes sense? Basically, it just means that we are shifting to not taking on as much risk and fluctuation, and instead just having a little bit smoother, with with the market changes, essentially. Now that is essentially what the recommendation is when it comes to your super. So as you scroll through, you will see I've included some information in regards to setting up a will as well as making a nomination for power of attorney. It is something I always recommend everyone to consider. So I have included a lot of information in regards to that, but I'll let you have a read over that in your own time. It's all in there for you, though, the importance of it and couple of advantages and disadvantages in regards to making a nomination for power of attorney and the will. It's all in there for you. Now that just kind of summarizes everything. It talks about the fee structure again, which similar to our mention during the interview that is not changing in any way, shape, or form. So you would save exactly the same at that 1.65 from super, so no changes in regards to that. And if it was that you were happy to go ahead with these couple of little changes to your investments to reduce your your risk a little bit, there is no additional fees and charges at all in regards to that. It is all part of that ongoing service for you. Yep. So, basically, from here, if you wanted to take some time to have a read over this document in your own time, you are more than welcome to do so. Alternatively, if you are happy to go ahead with the recommendation, which is just to stay in hub 24 and swap out some of the investments that underperformed a little bit through alternatives for you. To move forward, it would just be to sign this document at the bottom where you are, and then it will automatically send it back to me. And that tells me that you are happy and comfortable with the little change. Perfect. Yes. Yes. Yep. It wouldn't change the recommendation. If anything, it will be good because we are reducing the risk. So if we were making drastic changes and depending on how much you wanted to take out. Now are you you're still working at the moment? Yeah. So the max you could take out if you wanted to was 10%. That will be tax free for you. Obviously, when you turn 60, obviously, you can take that out. So you still have a good even if you were to take out the 10 sorry, the 10% for renovations or whatever it is that you wanted to do with it, essentially, super as it is to grow for you. And by making the change, it is saving you in fees, which means that you will have more in there, and it's improving the returns for you. So if you wanna take out a little bit from your you. So if you wanna take out a little bit from your superannuation, that won't change the recommendations I have met. I would still go ahead with the same recommendation. If you were to if we were to do the opposite, let's say we went through super aggressive and you say, oh, I wanna take out some money in two weeks' time, then I would say, okay. Well, maybe we need to reassess it. Because if we put you in a super aggressive portfolio and you have a lot of fluctuations in the market and you wanna take out money when the market's down, that's not gonna help you. So it's something we are kind of reducing that risk. Does that make sense? Yes. Do you have any other questions for me, Peter? No? Yep. Yes. So exactly. Yep. So if you're working, you can take up through 10% under that transition to retirement, and we can help help you with that. And you can do it as a lump sum, or you could do it, like, as a as a weekly or whatever it is that you wanted to do. I'll give you definitely. Yeah. So if it's for renovation. So, yes, you can do that whenever you want to. If it's something that you want, just send us an email or you give us a call and say, hey. I wanna look at taking some money out to do some renovations, and then we can assist and help you with that. Yep. Yep. Yeah. Yeah. And, obviously, yeah, the option is there for you. Obviously, by taking money out, you'll have a little bit less, obviously, in there for retirement, But, obviously, the choice is there for you. And yes. Yeah. And like I said, it doesn't change the recommendations we have gone through today. It's quite minor just adjusting some of those investments. If it was going the other way or making drastic changes, then it could impact things for you, but but not what we have gone through today. Yeah. Okay. Beautiful. Well, I will leave that with you, Peter. Like I said, have a bit of a read over the document. Any questions, let me know. Otherwise, when you have a moment, if you are wanting to go ahead, if you could assign that document digitally, and then it will automatically send it back to me. And then I will let the team know to go ahead and make those couple of changes for you. Okay. Do you have any questions before I let you go? No? Okay. Beautiful. Well, thank you so much for your time today, Peter. And, anything else you need, don't hesitate to give me a call. Okay. Thank you. 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afternoon. Is this Peter? This is Veronica from Financial. How are you? Not good.\n\nI had you booked in just to go over the research I did on your super investment. Does this also a good time for you? Yes? Perfect. Now, Peter, before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nYep. Perfect. And just for security purposes, just so that I can confirm I'm speaking with the right person, could I please just get you to confirm your full name, date of birth, and address, please? Yep. Perfect.\n\nAnd how's your day been? Been busy? Yes. Same here same here. Same here today.\n\nNo, Peter. I will try not to keep you on the phone for too long. It is pretty straightforward today. Sure. Yep.\n\nCan you hear me okay? Yep. Perfect. Now, Peter, do you have access to your emails at the moment or or not really right now? Yeah.\n\nThat would be great because I have just sent you an email with the recommendations to go through with you quickly, and it just makes it a bit easier for you if you can get that up at the same time. Sorry. Let me know if that email came through okay to you. Okay. Beautiful.\n\nNow if you can open that email for me, now it will say same as it did for under review. I think it says click now to sign. It doesn't mean that it will ask you to sign right away, but by clicking the link, it will just allow you to open up and look at the recommendations first. Just request yes. Correct.\n\nIf you click on that link, it should then open up the actual attachments first. Yep. Perfect. So can you see that cover page where it says prepared for Peter Clark? And there's, like, a pretty photo of the Gold Coast in the back there.\n\nYeah. Okay. Perfect. Now, Peter, like I said, I'll try to make it quick for you. But every time we do make a recommendation, we have to put everything in the statement of advice for you just to make sure you fully understand everything.\n\nA lot of it is just the compliance, and it is pretty straightforward today. So I'll tryna just go through the main points for you, but that's all in here just to make sure you fully understand everything. Does that make sense? Yep. Perfect.\n\nNow you will see that this has been tailored specifically to you. And on the cover page, you can also see my details. You can see my authorized representative number listed, and I am licensed under both of you financials. Now if you go to the second page, can you see where it says best interest duty? Yep.\n\nBased. Have you ever heard of this before, Peter? No. Basically, what it means is that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendations.\n\nDoes that make sense? Cool. No worries. Did you hear any of that, or do you want me to just repeat it? No.\n\nSo, basically okay. Let me see if let me see if I can turn that up for you if it's my end. Just just ask me to repeat if you can't hear anything. Okay? Yep.\n\nPerfect. Basically, there's a lot of legislation in place to protect you and that we always have to act in your best interest and that the advice has to put you in a better position as a result of the advice, essentially. So that's kind of what that talks about. Makes sense? Yep.\n\nPerfect. Now if you can scroll down through page three for me, it should say scope of advice. Yep. So next after that. Yep.\n\nPerfect. Basically, what this talks about is the areas we are looking at today. So, basically, the main purpose of following the under review was for me to do some research on your super investments, look at potentially reducing risk just a little bit as you are getting closer to retirement just from growth down to one step, if it was going to be good for you just to turn up limit fluctuations a little bit, but still making sure we focus on a steady growth. Do you remember that conversation? Yeah.\n\nOkay. Beautiful. Otherwise, I have also just included some information in regards to estate planning for you, but we are not making any recommendations on insurances or anything else. Literally just focusing on those super investments today. Now if you can scroll down for me, just keep scrolling until you get through page nine, and it talks about risk profile.\n\nAnd what you will see as scrolling through is just a couple of pages. You'll see some personal information in regards to you, your assets that we kind of touched on during the annual review, and then that should take you to your risk profile. It should be yeah. Perfect. So do you remember doing the under review, we went through that little kind of questionnaire to see how you feel about market fluctuations and time until retirement and stuff like that?\n\nYep. Perfect. So So you did come out as a balanced growth investor, which is very suitable for kind of where you are at at the moment with your goals and time frames until retirement. So what I have recommended today is that balanced growth portfolio, and I will show you shortly what that actually looks like and how it changes things for you in regards to your superannuation. So if you can scroll down for me until page 14, you should have a fee comparison table kind of outlining this change.\n\nThere should be, like, a a big table with numbers and everything. Yep. Perfect. So this basically summarizes the recommendation and kind of the pages that you did scroll through. So what I have done is I have recommended that you stay in hub twenty four.\n\nSo part of the research is also considering a lot of other super funds just to make sure the hub twenty four is still the best option for you because there's always new products and features that comes out. So it is important to reassess just to make sure it's still the best super fund for you. And after doing research, it's still very competitive when it comes to fees and features and investment choices. So I have recommended that we stay in Hub 24 and just change some of those investments around for you. Now what that actually looks like so what you can see here is the second column should say your current.\n\nCan you see that? Yep. So that outlines your current situation. It shows you all the fees associated with the account, contributions and everything going in. And then at the bottom, it shows you your total cost, and it also shows you your five year rolling average on your current investment portfolio.\n\nSo can you see where it says growth, and then it says 10.01%? Kind of at the bottom. No. That's okay. Take your time.\n\nYeah. So can you see on this page where it says your five year rolling average, and it shows you 10.01 under the column where it says current? Yep. Perfect. Basically, what this shows that that is your five year rolling average on your current growth portfolio.\n\nNow the reason we use a five year rolling average, so it's using a five year period and averaging it out each year, is to give us a little bit more certainty of what has happened in the portfolio and the market. Because some sometimes for some years, you would have it's been really good, and other years, not so good depending on what's happening in the market. So that's why we are wanting to use a five year period and averaging it out to give us a little bit more sense. Does that make sense? Yep.\n\nPerfect. So what I have recommended is then on the other side, so the column next to it. Now what this actually looks like is by making a couple of investment changes for you and reducing your risk and fluctuation, it is actually saving you about $442 per year in investment fees alone, which does add up. Yeah. So it makes it a little bit cheaper for you, which is great.\n\nObviously, less fees you have coming out in super means you have more money being invested and more for you at the end of it when you do retire. Now now you can then also see the return. So even though we are reducing your risk down through a balanced growth, the performance when we are looking at the same five year period has actually improved, which is really good because we are taking on less risk and fluctuations, and it's still seeing a bit of performance increase. So it's a difference by about 0.68%. It still makes a difference, though, when we are compounding things for you, and also means that if you do decide to take any money out sooner, then you're not gonna have those same kind of fluctuations.\n\nNow the good thing as well is that sometimes when we do make changes to investments, there will be some capital gains tax associated when you sell an investment. So similar to, like, an investment property. If you sell it, you'll have to pay tax on the earning. The same applies in the super environment. It all takes place within your super for you, so it's not something you'd have to worry about yourself or declare on tax returns or anything like that.\n\nAnd it does change on a daily, obviously, depending on the prices of the investments. But when we did the research for you, Peter, it showed that the the couple of investment changes we have recommended, it is estimated to trigger no capital gains tax, which is great. Yep. That's good. Now at the bottom of that table, you can then kind of see things forecasted five and ten years for you.\n\nJust to show you that saving a little bit in fees, improving those returns and fluctuations a little bit for you, it still makes it still makes a difference, same. Yep. Perfect. Does that all make sense so far? Any questions?\n\nYep. Okay. Perfect. Now on the next page, you should see another table where it talks about investment returns a little bit more. Should be page fifth 15.\n\nYes. Can you see that little table? It says twelve months, three, five, and ten years. Yeah. And that just shows you a little bit longer period of time between the portfolios as well.\n\nSo you can actually see that twelve months, three years, and five years, the recommended portfolio has performed better than your current portfolio. When we are looking at a ten year time frame, the current has performed a little bit better, which is expected when you are seeing a lot more fluctuations in the short term. But even when we're looking at five and three years, the recommended has still outperformed, which is great. Yep. Now what that actually looks like in terms of the investment changes is the following page, so page 16.\n\nNow this might look a little bit messy. Basically, what it is, it is showing the changes we are wanting to do to your investments. So the first column you have, basically, what the investment is called. The column next to it, you have the kind of special little code. You then have a current weight, so how much you currently have in that one investment option.\n\nBasically, what that looks like from the dollar value, and then you have the buy and sell column. Now on this column, everything that is in red is what we are looking at selling, and what's in black is what we are adding to your portfolio. Does that make sense? Yep. Can you see those the the minus the minuses listed here?\n\nYep. You then have the target weight next to it, so how much we are wanting in each option, and then, again, what that looks like from a dollar value. To make it as simple as possible, basically, what we are changing is that we are selling the first one all the way at the top, which is that Benelon Australian equity. That is that one investment I kind of touched on during the annual review that recently had been underperforming a little bit and that I wanted to do some more research on. Is that do you remember that briefly?\n\nYeah. Perfect. So we are completely selling out of the Benelong, and instead, we are adding the BetaShares Australia 200 to your portfolio. It is another Australian investment. It is just changing for another one that has performed a bit better, is a little bit cheaper, and it is more diversified in that you are invested in 200 companies in the one option for giving you that diversification.\n\nWe're also swapping out one of your so the second investment to the top where it talks about the bank hybrids, that one is slowly being phased out. So we're just changing that one to another defensive investment. We are swapping some of your kind of your satellite investments, so the India investment and and health care. So these are the ones that have a higher allocation through your your kind of your more growth portfolios because they can fluctuate a little bit more. But because we are wanting to reduce the risk a little bit down, it is just, like, kind of filling out of them and instead looking at a bit of, like, infrastructure for you and shifting allocation in the other investments that you already have in your portfolio that's been kind of reallocating the percentage, just reducing risk a little bit for you.\n\nDoes that make sense, Peter? Yep. Do you have any questions in regards to any any of that? And and that's okay. But, basically, what it is, we're just changing some that has underperformed a little bit through some similar options, and we are then taking some out of your portfolio that can fluctuate a little bit more for a little bit more kind of little bit more defensive investments, essentially.\n\nFor you, Peter. It should you have should have a little pie chart and a table again. Yep. What this looks like, it basically shows how much those growth and defensive investments. So in a balanced growth portfolio, we wanna aim for about seventy thirty.\n\nSo 70 in growth, 30% in defensive. Now the column next to it, you can say existing. So that shows you that at the moment, you have about 81 in growth and then about 19.9 in defensive. The post portfolio, you can see, are a little bit less in growth and a little bit more in defensive, which is what we want because we wanna smooth out those fluctuations a little bit for you as you are getting closer to retirement, but still making sure we don't jeopardize the returns. So you can see that's reducing growth a little bit, increasing that as a defensive proportion just a little bit for you.\n\nMakes sense? Basically, it just means that we are shifting to not taking on as much risk and fluctuation, and instead just having a little bit smoother, with with the market changes, essentially. Now that is essentially what the recommendation is when it comes to your super. So as you scroll through, you will see I've included some information in regards to setting up a will as well as making a nomination for power of attorney. It is something I always recommend everyone to consider.\n\nSo I have included a lot of information in regards to that, but I'll let you have a read over that in your own time. It's all in there for you, though, the importance of it and couple of advantages and disadvantages in regards to making a nomination for power of attorney and the will. It's all in there for you. Now that just kind of summarizes everything. It talks about the fee structure again, which similar to our mention during the interview that is not changing in any way, shape, or form.\n\nSo you would save exactly the same at that 1.65 from super, so no changes in regards to that. And if it was that you were happy to go ahead with these couple of little changes to your investments to reduce your your risk a little bit, there is no additional fees and charges at all in regards to that. It is all part of that ongoing service for you. Yep. So, basically, from here, if you wanted to take some time to have a read over this document in your own time, you are more than welcome to do so.\n\nAlternatively, if you are happy to go ahead with the recommendation, which is just to stay in hub 24 and swap out some of the investments that underperformed a little bit through alternatives for you. To move forward, it would just be to sign this document at the bottom where you are, and then it will automatically send it back to me. And that tells me that you are happy and comfortable with the little change. Perfect. Yes.\n\nYes. Yep. It wouldn't change the recommendation. If anything, it will be good because we are reducing the risk. So if we were making drastic changes and depending on how much you wanted to take out.\n\nNow are you you're still working at the moment? Yeah. So the max you could take out if you wanted to was 10%. That will be tax free for you. Obviously, when you turn 60, obviously, you can take that out.\n\nSo you still have a good even if you were to take out the 10 sorry, the 10% for renovations or whatever it is that you wanted to do with it, essentially, super as it is to grow for you. And by making the change, it is saving you in fees, which means that you will have more in there, and it's improving the returns for you. So if you wanna take out a little bit from your you. So if you wanna take out a little bit from your superannuation, that won't change the recommendations I have met. I would still go ahead with the same recommendation.\n\nIf you were to if we were to do the opposite, let's say we went through super aggressive and you say, oh, I wanna take out some money in two weeks' time, then I would say, okay. Well, maybe we need to reassess it. Because if we put you in a super aggressive portfolio and you have a lot of fluctuations in the market and you wanna take out money when the market's down, that's not gonna help you. So it's something we are kind of reducing that risk. Does that make sense?\n\nYes. Do you have any other questions for me, Peter? No? Yep. Yes.\n\nSo exactly. Yep. So if you're working, you can take up through 10% under that transition to retirement, and we can help help you with that. And you can do it as a lump sum, or you could do it, like, as a as a weekly or whatever it is that you wanted to do. I'll give you definitely.\n\nYeah. So if it's for renovation. So, yes, you can do that whenever you want to. If it's something that you want, just send us an email or you give us a call and say, hey. I wanna look at taking some money out to do some renovations, and then we can assist and help you with that.\n\nYep. Yep. Yeah. Yeah. And, obviously, yeah, the option is there for you.\n\nObviously, by taking money out, you'll have a little bit less, obviously, in there for retirement, But, obviously, the choice is there for you. And yes. Yeah. And like I said, it doesn't change the recommendations we have gone through today. It's quite minor just adjusting some of those investments.\n\nIf it was going the other way or making drastic changes, then it could impact things for you, but but not what we have gone through today. Yeah. Okay. Beautiful. Well, I will leave that with you, Peter.\n\nLike I said, have a bit of a read over the document. Any questions, let me know. Otherwise, when you have a moment, if you are wanting to go ahead, if you could assign that document digitally, and then it will automatically send it back to me. And then I will let the team know to go ahead and make those couple of changes for you. Okay.\n\nDo you have any questions before I let you go? No? Okay. Beautiful. Well, thank you so much for your time today, Peter.\n\nAnd, anything else you need, don't hesitate to give me a call. Okay. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":1.28,"end":2.0,"sentiment":"neutral","sentiment_score":0.1841040402650833},{"text":"Is this Peter?","start":2.0,"end":2.8999999,"sentiment":"neutral","sentiment_score":0.10447403540213902},{"text":"This is Veronica from Financial.","start":4.0,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.13775724917650223},{"text":"How are you?","start":6.24,"end":7.06,"sentiment":"neutral","sentiment_score":0.12469537059466045},{"text":"Not good.","start":8.96,"end":9.86,"sentiment":"neutral","sentiment_score":-0.06696530431509018}],"sentiment":"neutral","sentiment_score":0.10737146238485971,"num_words":15,"start":1.28,"end":9.86},{"sentences":[{"text":"I had you booked in just to go over the research I did on your super investment.","start":10.4,"end":14.48,"sentiment":"neutral","sentiment_score":0.11437391204869046},{"text":"Does this also a good time for you?","start":14.48,"end":17.625,"sentiment":"neutral","sentiment_score":0.12205549515783787},{"text":"Yes?","start":17.625,"end":18.125,"sentiment":"neutral","sentiment_score":0.08527441322803497},{"text":"Perfect.","start":18.505,"end":19.005,"sentiment":"positive","sentiment_score":0.34210509061813354},{"text":"Now, Peter, before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":19.545,"end":27.005001,"sentiment":"neutral","sentiment_score":0.05217252896520598}],"sentiment":"neutral","sentiment_score":0.08680684482013541,"num_words":56,"start":10.4,"end":27.005001},{"sentences":[{"text":"Yep.","start":29.705,"end":30.205,"sentiment":"neutral","sentiment_score":0.10488079488277437},{"text":"Perfect.","start":30.54,"end":30.94,"sentiment":"neutral","sentiment_score":0.2617013454437256},{"text":"And just for security purposes, just so that I can confirm I'm speaking with the right person, could I please just get you to confirm your full name, date of birth, and address, please?","start":30.94,"end":40.48,"sentiment":"neutral","sentiment_score":0.08923184258096359},{"text":"Yep.","start":44.46,"end":44.865,"sentiment":"neutral","sentiment_score":0.02466842904686928},{"text":"Perfect.","start":50.065002,"end":50.545002,"sentiment":"neutral","sentiment_score":0.25583943724632263}],"sentiment":"neutral","sentiment_score":0.09686770143085405,"num_words":38,"start":29.705,"end":50.545002},{"sentences":[{"text":"And how's your day been?","start":50.545002,"end":51.665,"sentiment":"neutral","sentiment_score":0.11818752884864807},{"text":"Been busy?","start":51.665,"end":52.325,"sentiment":"neutral","sentiment_score":-0.004976191557943819},{"text":"Yes.","start":55.985,"end":56.485,"sentiment":"neutral","sentiment_score":-0.01073586568236351},{"text":"Same here same here.","start":56.705,"end":58.165,"sentiment":"neutral","sentiment_score":-0.013301769737154245},{"text":"Same here today.","start":59.13,"end":60.27,"sentiment":"neutral","sentiment_score":-0.009898660704493523}],"sentiment":"neutral","sentiment_score":0.03248975562552611,"num_words":15,"start":50.545002,"end":60.27},{"sentences":[{"text":"No, Peter.","start":60.97,"end":61.53,"sentiment":"neutral","sentiment_score":-0.1313076838850975},{"text":"I will try not to keep you on the phone for too long.","start":61.53,"end":63.93,"sentiment":"neutral","sentiment_score":-0.20202137185977057},{"text":"It is pretty straightforward today.","start":63.93,"end":65.63,"sentiment":"neutral","sentiment_score":-0.032910510897636414},{"text":"Sure.","start":69.53,"end":70.03,"sentiment":"neutral","sentiment_score":0.014611171558499336},{"text":"Yep.","start":76.744995,"end":77.065,"sentiment":"neutral","sentiment_score":0.004720353055745363}],"sentiment":"neutral","sentiment_score":-0.1379142832645977,"num_words":22,"start":60.97,"end":77.065},{"sentences":[{"text":"Can you hear me okay?","start":77.065,"end":78.284996,"sentiment":"neutral","sentiment_score":-0.007743694260716439},{"text":"Yep.","start":79.784996,"end":80.265,"sentiment":"neutral","sentiment_score":0.04124416783452034},{"text":"Perfect.","start":80.265,"end":80.765,"sentiment":"neutral","sentiment_score":0.11641430854797365},{"text":"Now, Peter, do you have access to your emails at the moment or or not really right now?","start":81.705,"end":86.979996,"sentiment":"neutral","sentiment_score":0.02075849814961354},{"text":"Yeah.","start":89.84,"end":90.32,"sentiment":"neutral","sentiment_score":0.226526141166687}],"sentiment":"neutral","sentiment_score":0.02765842742071702,"num_words":26,"start":77.065,"end":90.32},{"sentences":[{"text":"That would be great because I have just sent you an email with the recommendations to go through with you quickly, and it just makes it a bit easier for you if you can get that up at the same time.","start":90.32,"end":104.485,"sentiment":"positive","sentiment_score":0.3831155794422801},{"text":"Sorry.","start":106.385,"end":106.885,"sentiment":"neutral","sentiment_score":-0.03088536486029625},{"text":"Let me know if that email came through okay to you.","start":106.945,"end":109.925,"sentiment":"neutral","sentiment_score":-0.008176657117225906},{"text":"Okay.","start":112.145004,"end":112.645004,"sentiment":"neutral","sentiment_score":0.2094862759113312},{"text":"Beautiful.","start":113.340004,"end":113.66,"sentiment":"positive","sentiment_score":0.39451831579208374}],"sentiment":"neutral","sentiment_score":0.2943802682852203,"num_words":55,"start":90.32,"end":113.66},{"sentences":[{"text":"Now if you can open that email for me, now it will say same as it did for under review.","start":113.66,"end":119.04,"sentiment":"neutral","sentiment_score":0.1670179359614849},{"text":"I think it says click now to sign.","start":119.1,"end":121.28,"sentiment":"neutral","sentiment_score":0.07363900216296315},{"text":"It doesn't mean that it will ask you to sign right away, but by clicking the link, it will just allow you to open up and look at the recommendations first.","start":121.58,"end":128.835,"sentiment":"neutral","sentiment_score":0.09847045984239347},{"text":"Just request yes.","start":133.475,"end":142.695,"sentiment":"neutral","sentiment_score":0.030654943237702053},{"text":"Correct.","start":143.71501,"end":144.18,"sentiment":"neutral","sentiment_score":0.08162267506122589}],"sentiment":"neutral","sentiment_score":0.11358162692733227,"num_words":63,"start":113.66,"end":144.18},{"sentences":[{"text":"If you click on that link, it should then open up the actual attachments first.","start":144.26,"end":148.68,"sentiment":"neutral","sentiment_score":0.060672231515248615},{"text":"Yep.","start":151.62,"end":152.01999,"sentiment":"neutral","sentiment_score":0.1347985565662384},{"text":"Perfect.","start":152.01999,"end":152.42,"sentiment":"positive","sentiment_score":0.5092166662216187},{"text":"So can you see that cover page where it says prepared for Peter Clark?","start":152.42,"end":156.04,"sentiment":"neutral","sentiment_score":0.1616573759487697},{"text":"And there's, like, a pretty photo of the Gold Coast in the back there.","start":156.18,"end":159.955,"sentiment":"neutral","sentiment_score":0.1310578031199319}],"sentiment":"neutral","sentiment_score":0.12560247116618686,"num_words":45,"start":144.26,"end":159.955},{"sentences":[{"text":"Yeah.","start":162.175,"end":162.495,"sentiment":"neutral","sentiment_score":0.14806756377220154},{"text":"Okay.","start":162.495,"end":162.995,"sentiment":"neutral","sentiment_score":0.25199228525161743},{"text":"Perfect.","start":163.055,"end":163.555,"sentiment":"positive","sentiment_score":0.489605188369751},{"text":"Now, Peter, like I said, I'll try to make it quick for you.","start":164.175,"end":167.055,"sentiment":"positive","sentiment_score":0.3613602587809929},{"text":"But every time we do make a recommendation, we have to put everything in the statement of advice for you just to make sure you fully understand everything.","start":167.055,"end":176.62001,"sentiment":"neutral","sentiment_score":0.22264842955129488}],"sentiment":"neutral","sentiment_score":0.26867055520415306,"num_words":44,"start":162.175,"end":176.62001},{"sentences":[{"text":"A lot of it is just the compliance, and it is pretty straightforward today.","start":177.16,"end":180.92,"sentiment":"positive","sentiment_score":0.38648626846926554},{"text":"So I'll tryna just go through the main points for you, but that's all in here just to make sure you fully understand everything.","start":180.92,"end":187.215,"sentiment":"neutral","sentiment_score":0.22673107186953226},{"text":"Does that make sense?","start":187.215,"end":188.355,"sentiment":"neutral","sentiment_score":0.1320267841219902},{"text":"Yep.","start":189.375,"end":189.775,"sentiment":"neutral","sentiment_score":0.18355171382427216},{"text":"Perfect.","start":189.775,"end":190.275,"sentiment":"positive","sentiment_score":0.44214481115341187}],"sentiment":"neutral","sentiment_score":0.27286720783873036,"num_words":44,"start":177.16,"end":190.275},{"sentences":[{"text":"Now you will see that this has been tailored specifically to you.","start":190.575,"end":193.935,"sentiment":"neutral","sentiment_score":0.2892430288096269},{"text":"And on the cover page, you can also see my details.","start":193.935,"end":196.675,"sentiment":"neutral","sentiment_score":0.17706544561819595},{"text":"You can see my authorized representative number listed, and I am licensed under both of you financials.","start":197.135,"end":202.47,"sentiment":"neutral","sentiment_score":0.16521777826197007},{"text":"Now if you go to the second page, can you see where it says best interest duty?","start":204.55,"end":209.05,"sentiment":"neutral","sentiment_score":0.044498644878759104},{"text":"Yep.","start":213.11,"end":213.59,"sentiment":"neutral","sentiment_score":0.024718444794416428}],"sentiment":"neutral","sentiment_score":0.15531954975349122,"num_words":58,"start":190.575,"end":213.59},{"sentences":[{"text":"Based.","start":213.59,"end":213.99,"sentiment":"neutral","sentiment_score":0.01455792598426342},{"text":"Have you ever heard of this before, Peter?","start":213.99,"end":215.91501,"sentiment":"neutral","sentiment_score":-0.005592983099631965},{"text":"No.","start":218.05501,"end":218.535,"sentiment":"neutral","sentiment_score":-0.16981102526187897},{"text":"Basically, what it means is that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice.","start":218.535,"end":228.95001,"sentiment":"neutral","sentiment_score":-0.08880457899400167},{"text":"Otherwise, we can't actually make the recommendations.","start":229.17,"end":231.35,"sentiment":"neutral","sentiment_score":-0.17497467143195017}],"sentiment":"neutral","sentiment_score":-0.08717269094016117,"num_words":52,"start":213.59,"end":231.35},{"sentences":[{"text":"Does that make sense?","start":231.73001,"end":232.87001,"sentiment":"neutral","sentiment_score":-0.027935069054365155},{"text":"Cool.","start":235.81,"end":236.31,"sentiment":"neutral","sentiment_score":0.037748679518699646},{"text":"No worries.","start":236.37001,"end":237.09001,"sentiment":"neutral","sentiment_score":0.006935684941709042},{"text":"Did you hear any of that, or do you want me to just repeat it?","start":237.09001,"end":239.91,"sentiment":"neutral","sentiment_score":-0.03752262182533741},{"text":"No.","start":241.17,"end":241.67,"sentiment":"neutral","sentiment_score":-0.20602329075336456}],"sentiment":"neutral","sentiment_score":-0.0360427323890769,"num_words":23,"start":231.73001,"end":241.67},{"sentences":[{"text":"So, basically okay.","start":242.095,"end":246.735,"sentiment":"neutral","sentiment_score":-0.2750726342201233},{"text":"Let me see if let me see if I can turn that up for you if it's my end.","start":246.735,"end":251.395,"sentiment":"neutral","sentiment_score":-0.05121163004323056},{"text":"Just just ask me to repeat if you can't hear anything.","start":252.255,"end":254.85,"sentiment":"neutral","sentiment_score":-0.10857853225686333},{"text":"Okay?","start":254.85,"end":255.35,"sentiment":"neutral","sentiment_score":-0.01999570056796074},{"text":"Yep.","start":257.81,"end":258.13,"sentiment":"neutral","sentiment_score":0.20467090606689453}],"sentiment":"neutral","sentiment_score":-0.0802265006516661,"num_words":35,"start":242.095,"end":258.13},{"sentences":[{"text":"Perfect.","start":258.13,"end":258.63,"sentiment":"positive","sentiment_score":0.5960666537284851},{"text":"Basically, there's a lot of legislation in place to protect you and that we always have to act in your best interest and that the advice has to put you in a better position as a result of the advice, essentially.","start":258.77,"end":268.78778,"sentiment":"neutral","sentiment_score":0.2227692633140378},{"text":"So that's kind of what that talks about.","start":268.78778,"end":272.23502,"sentiment":"neutral","sentiment_score":0.14166347030550241},{"text":"Makes sense?","start":273.975,"end":274.715,"sentiment":"neutral","sentiment_score":0.09814746677875519},{"text":"Yep.","start":274.77502,"end":275.255,"sentiment":"neutral","sentiment_score":0.07760252058506012}],"sentiment":"neutral","sentiment_score":0.2101285220035967,"num_words":53,"start":258.13,"end":275.255},{"sentences":[{"text":"Perfect.","start":275.255,"end":275.755,"sentiment":"positive","sentiment_score":0.4218497276306152},{"text":"Now if you can scroll down through page three for me, it should say scope of advice.","start":276.375,"end":285.06,"sentiment":"neutral","sentiment_score":0.12445425461320316},{"text":"Yep.","start":293.06,"end":293.56,"sentiment":"neutral","sentiment_score":0.05704599246382713},{"text":"So next after that.","start":293.62,"end":295.8,"sentiment":"neutral","sentiment_score":0.08597585698589683},{"text":"Yep.","start":296.98,"end":297.22,"sentiment":"neutral","sentiment_score":0.27230387926101685}],"sentiment":"neutral","sentiment_score":0.1337843898218125,"num_words":24,"start":275.255,"end":297.22},{"sentences":[{"text":"Perfect.","start":297.22,"end":297.675,"sentiment":"positive","sentiment_score":0.5296350717544556},{"text":"Basically, what this talks about is the areas we are looking at today.","start":297.835,"end":301.775,"sentiment":"neutral","sentiment_score":0.18031525382628807},{"text":"So, basically, the main purpose of following the under review was for me to do some research on your super investments, look at potentially reducing risk just a little bit as you are getting closer to retirement just from growth down to one step, if it was going to be good for you just to turn up limit fluctuations a little bit, but still making sure we focus on a steady growth.","start":302.715,"end":327.815,"sentiment":"neutral","sentiment_score":0.2017392540971438},{"text":"Do you remember that conversation?","start":328.675,"end":330.055,"sentiment":"neutral","sentiment_score":0.04768037423491478},{"text":"Yeah.","start":331.47498,"end":331.79498,"sentiment":"neutral","sentiment_score":0.11330919712781906}],"sentiment":"neutral","sentiment_score":0.19294207320427118,"num_words":92,"start":297.22,"end":331.79498},{"sentences":[{"text":"Okay.","start":331.79498,"end":332.115,"sentiment":"neutral","sentiment_score":0.2513289749622345},{"text":"Beautiful.","start":332.115,"end":332.615,"sentiment":"positive","sentiment_score":0.4724482297897339},{"text":"Otherwise, I have also just included some information in regards to estate planning for you, but we are not making any recommendations on insurances or anything else.","start":333.235,"end":344.2,"sentiment":"neutral","sentiment_score":0.01996845034537492},{"text":"Literally just focusing on those super investments today.","start":344.2,"end":347.34,"sentiment":"neutral","sentiment_score":0.09944012202322483},{"text":"Now if you can scroll down for me, just keep scrolling until you get through page nine, and it talks about risk profile.","start":349.40002,"end":359.94498,"sentiment":"neutral","sentiment_score":0.010257091940097187}],"sentiment":"neutral","sentiment_score":0.03823932424808542,"num_words":60,"start":331.79498,"end":359.94498},{"sentences":[{"text":"And what you will see as scrolling through is just a couple of pages.","start":360.405,"end":365.82,"sentiment":"neutral","sentiment_score":0.04881645632641656},{"text":"You'll see some personal information in regards to you, your assets that we kind of touched on during the annual review, and then that should take you to your risk profile.","start":365.82,"end":376.72,"sentiment":"neutral","sentiment_score":0.09568194275902163},{"text":"It should be yeah.","start":379.9,"end":380.86002,"sentiment":"neutral","sentiment_score":0.18135172128677368},{"text":"Perfect.","start":380.86002,"end":381.36002,"sentiment":"positive","sentiment_score":0.47485700249671936},{"text":"So do you remember doing the under review, we went through that little kind of questionnaire to see how you feel about market fluctuations and time until retirement and stuff like that?","start":382.57498,"end":391.315,"sentiment":"neutral","sentiment_score":0.10107783460989594}],"sentiment":"neutral","sentiment_score":0.09858933182024374,"num_words":82,"start":360.405,"end":391.315},{"sentences":[{"text":"Yep.","start":393.535,"end":393.85498,"sentiment":"neutral","sentiment_score":0.12457883358001708},{"text":"Perfect.","start":393.85498,"end":394.175,"sentiment":"neutral","sentiment_score":0.007451774552464485},{"text":"So So you did come out as a balanced growth investor, which is very suitable for kind of where you are at at the moment with your goals and time frames until retirement.","start":394.175,"end":403.52002,"sentiment":"positive","sentiment_score":0.5715881188710531},{"text":"So what I have recommended today is that balanced growth portfolio, and I will show you shortly what that actually looks like and how it changes things for you in regards to your superannuation.","start":404.06,"end":414.665,"sentiment":"positive","sentiment_score":0.4512971893829458},{"text":"So if you can scroll down for me until page 14, you should have a fee comparison table kind of outlining this change.","start":415.605,"end":426.87,"sentiment":"neutral","sentiment_score":0.19603759568670523}],"sentiment":"positive","sentiment_score":0.4222544312031697,"num_words":92,"start":393.535,"end":426.87},{"sentences":[{"text":"There should be, like, a a big table with numbers and everything.","start":433.89,"end":438.045,"sentiment":"neutral","sentiment_score":0.07275540971507628},{"text":"Yep.","start":440.105,"end":440.42502,"sentiment":"neutral","sentiment_score":0.2724398076534271},{"text":"Perfect.","start":440.42502,"end":440.905,"sentiment":"positive","sentiment_score":0.5166100263595581},{"text":"So this basically summarizes the recommendation and kind of the pages that you did scroll through.","start":440.905,"end":446.125,"sentiment":"neutral","sentiment_score":0.24690813943743706},{"text":"So what I have done is I have recommended that you stay in hub twenty four.","start":446.42502,"end":451.03,"sentiment":"neutral","sentiment_score":0.2535041021183133}],"sentiment":"neutral","sentiment_score":0.21018936120621537,"num_words":46,"start":433.89,"end":451.03},{"sentences":[{"text":"So part of the research is also considering a lot of other super funds just to make sure the hub twenty four is still the best option for you because there's always new products and features that comes out.","start":451.03,"end":462.07,"sentiment":"neutral","sentiment_score":0.20285896842296308},{"text":"So it is important to reassess just to make sure it's still the best super fund for you.","start":462.07,"end":467.825,"sentiment":"neutral","sentiment_score":0.2387800398800108},{"text":"And after doing research, it's still very competitive when it comes to fees and features and investment choices.","start":468.36502,"end":475.825,"sentiment":"neutral","sentiment_score":0.32177867160903084},{"text":"So I have recommended that we stay in Hub 24 and just change some of those investments around for you.","start":476.36502,"end":483.38998,"sentiment":"neutral","sentiment_score":0.2921637803316116},{"text":"Now what that actually looks like so what you can see here is the second column should say your current.","start":483.84998,"end":490.99,"sentiment":"neutral","sentiment_score":0.08345292098820209}],"sentiment":"neutral","sentiment_score":0.22185991827560508,"num_words":115,"start":451.03,"end":490.99},{"sentences":[{"text":"Can you see that?","start":491.21,"end":492.18997,"sentiment":"neutral","sentiment_score":0.05369817279279232},{"text":"Yep.","start":494.65,"end":495.12997,"sentiment":"neutral","sentiment_score":0.08696292340755463},{"text":"So that outlines your current situation.","start":495.12997,"end":497.60498,"sentiment":"neutral","sentiment_score":0.12442099799712499},{"text":"It shows you all the fees associated with the account, contributions and everything going in.","start":497.82498,"end":504.565,"sentiment":"neutral","sentiment_score":0.15572897692521412},{"text":"And then at the bottom, it shows you your total cost, and it also shows you your five year rolling average on your current investment portfolio.","start":505.10498,"end":514.91,"sentiment":"neutral","sentiment_score":0.1132918749577724}],"sentiment":"neutral","sentiment_score":0.12172701933349554,"num_words":52,"start":491.21,"end":514.91},{"sentences":[{"text":"So can you see where it says growth, and then it says 10.01%?","start":514.97,"end":518.99,"sentiment":"neutral","sentiment_score":0.04652148943680983},{"text":"Kind of at the bottom.","start":522.97,"end":524.025,"sentiment":"neutral","sentiment_score":-0.11411138772964477},{"text":"No.","start":527.30505,"end":527.465,"sentiment":"neutral","sentiment_score":-0.19279026985168457},{"text":"That's okay.","start":527.465,"end":528.10504,"sentiment":"neutral","sentiment_score":-0.14677152037620544},{"text":"Take your time.","start":528.10504,"end":529.085,"sentiment":"neutral","sentiment_score":-0.09817471851905187}],"sentiment":"neutral","sentiment_score":-0.031109793422122795,"num_words":24,"start":514.97,"end":529.085},{"sentences":[{"text":"Yeah.","start":532.585,"end":532.905,"sentiment":"neutral","sentiment_score":0.05179595574736595},{"text":"So can you see on this page where it says your five year rolling average, and it shows you 10.01 under the column where it says current?","start":532.905,"end":541.73,"sentiment":"neutral","sentiment_score":0.04947765030104805},{"text":"Yep.","start":543.79,"end":544.29,"sentiment":"neutral","sentiment_score":0.2462732493877411},{"text":"Perfect.","start":544.35,"end":544.83,"sentiment":"positive","sentiment_score":0.6514489650726318},{"text":"Basically, what this shows that that is your five year rolling average on your current growth portfolio.","start":544.83,"end":551.01,"sentiment":"neutral","sentiment_score":0.23914608972914078}],"sentiment":"neutral","sentiment_score":0.1351254947602432,"num_words":47,"start":532.585,"end":551.01},{"sentences":[{"text":"Now the reason we use a five year rolling average, so it's using a five year period and averaging it out each year, is to give us a little bit more certainty of what has happened in the portfolio and the market.","start":551.975,"end":565.13,"sentiment":"neutral","sentiment_score":0.22970660563026155},{"text":"Because some sometimes for some years, you would have it's been really good, and other years, not so good depending on what's happening in the market.","start":565.99,"end":573.45,"sentiment":"neutral","sentiment_score":0.0665768300398038},{"text":"So that's why we are wanting to use a five year period and averaging it out to give us a little bit more sense.","start":573.67,"end":579.685,"sentiment":"neutral","sentiment_score":0.1397133187080423},{"text":"Does that make sense?","start":579.685,"end":580.745,"sentiment":"neutral","sentiment_score":0.0940166637301445},{"text":"Yep.","start":581.685,"end":582.08496,"sentiment":"neutral","sentiment_score":0.1804375052452087}],"sentiment":"neutral","sentiment_score":0.15761132810994521,"num_words":97,"start":551.975,"end":582.08496},{"sentences":[{"text":"Perfect.","start":582.08496,"end":582.58496,"sentiment":"positive","sentiment_score":0.5086171627044678},{"text":"So what I have recommended is then on the other side, so the column next to it.","start":582.725,"end":586.90497,"sentiment":"neutral","sentiment_score":0.28053364070022807},{"text":"Now what this actually looks like is by making a couple of investment changes for you and reducing your risk and fluctuation, it is actually saving you about $442 per year in investment fees alone, which does add up.","start":587.52496,"end":607.815,"sentiment":"positive","sentiment_score":0.4372315949354416},{"text":"Yeah.","start":607.815,"end":608.315,"sentiment":"positive","sentiment_score":0.3697194457054138},{"text":"So it makes it a little bit cheaper for you, which is great.","start":608.855,"end":612.295,"sentiment":"positive","sentiment_score":0.6175577732232901}],"sentiment":"positive","sentiment_score":0.43278439091125004,"num_words":71,"start":582.08496,"end":612.295},{"sentences":[{"text":"Obviously, less fees you have coming out in super means you have more money being invested and more for you at the end of it when you do retire.","start":612.295,"end":620.795,"sentiment":"positive","sentiment_score":0.4563840257710424},{"text":"Now now you can then also see the return.","start":621.87,"end":626.67004,"sentiment":"positive","sentiment_score":0.3575426373216841},{"text":"So even though we are reducing your risk down through a balanced growth, the performance when we are looking at the same five year period has actually improved, which is really good because we are taking on less risk and fluctuations, and it's still seeing a bit of performance increase.","start":626.67004,"end":646.495,"sentiment":"positive","sentiment_score":0.41458706647157667},{"text":"So it's a difference by about 0.68%.","start":647.115,"end":651.14,"sentiment":"neutral","sentiment_score":0.15107745357922145},{"text":"It still makes a difference, though, when we are compounding things for you, and also means that if you do decide to take any money out sooner, then you're not gonna have those same kind of fluctuations.","start":651.6,"end":665.54,"sentiment":"neutral","sentiment_score":0.189778096772529}],"sentiment":"positive","sentiment_score":0.3428917088066087,"num_words":132,"start":612.295,"end":665.54},{"sentences":[{"text":"Now the good thing as well is that sometimes when we do make changes to investments, there will be some capital gains tax associated when you sell an investment.","start":668.135,"end":680.53,"sentiment":"neutral","sentiment_score":0.19513583722813377},{"text":"So similar to, like, an investment property.","start":680.53,"end":683.33,"sentiment":"neutral","sentiment_score":0.05159351282886097},{"text":"If you sell it, you'll have to pay tax on the earning.","start":683.33,"end":686.39,"sentiment":"neutral","sentiment_score":0.029953686830898125},{"text":"The same applies in the super environment.","start":686.93,"end":690.31,"sentiment":"neutral","sentiment_score":0.18636103293725423},{"text":"It all takes place within your super for you, so it's not something you'd have to worry about yourself or declare on tax returns or anything like that.","start":690.61,"end":698.15497,"sentiment":"neutral","sentiment_score":0.19480436454926217}],"sentiment":"neutral","sentiment_score":0.15829623553408198,"num_words":83,"start":668.135,"end":698.15497},{"sentences":[{"text":"And it does change on a daily, obviously, depending on the prices of the investments.","start":698.375,"end":703.915,"sentiment":"neutral","sentiment_score":0.19026257544755937},{"text":"But when we did the research for you, Peter, it showed that the the couple of investment changes we have recommended, it is estimated to trigger no capital gains tax, which is great.","start":704.055,"end":715.25995,"sentiment":"neutral","sentiment_score":0.2938266173005104},{"text":"Yep.","start":717.32,"end":717.82,"sentiment":"positive","sentiment_score":0.367493748664856},{"text":"That's good.","start":718.12,"end":719.01996,"sentiment":"positive","sentiment_score":0.5269942879676819},{"text":"Now at the bottom of that table, you can then kind of see things forecasted five and ten years for you.","start":719.8,"end":726.985,"sentiment":"neutral","sentiment_score":0.24654421919868105}],"sentiment":"neutral","sentiment_score":0.26596011014448273,"num_words":72,"start":698.375,"end":726.985},{"sentences":[{"text":"Just to show you that saving a little bit in fees, improving those returns and fluctuations a little bit for you, it still makes it still makes a difference, same.","start":727.52496,"end":740.15,"sentiment":"positive","sentiment_score":0.340762235224247},{"text":"Yep.","start":741.17004,"end":741.49005,"sentiment":"neutral","sentiment_score":0.18057870864868164},{"text":"Perfect.","start":741.49005,"end":741.81006,"sentiment":"positive","sentiment_score":0.499581515789032},{"text":"Does that all make sense so far?","start":741.81006,"end":743.25,"sentiment":"neutral","sentiment_score":0.24627940356731415},{"text":"Any questions?","start":743.25,"end":744.07,"sentiment":"neutral","sentiment_score":0.09406014159321785}],"sentiment":"neutral","sentiment_score":0.31256349730055505,"num_words":41,"start":727.52496,"end":744.07},{"sentences":[{"text":"Yep.","start":745.73004,"end":746.13,"sentiment":"neutral","sentiment_score":0.15871988236904144},{"text":"Okay.","start":746.13,"end":746.61005,"sentiment":"neutral","sentiment_score":0.218423992395401},{"text":"Perfect.","start":746.61005,"end":747.11005,"sentiment":"positive","sentiment_score":0.336061030626297},{"text":"Now on the next page, you should see another table where it talks about investment returns a little bit more.","start":747.17004,"end":754.065,"sentiment":"neutral","sentiment_score":0.08565832320600748},{"text":"Should be page fifth 15.","start":759.245,"end":761.425,"sentiment":"neutral","sentiment_score":0.016706087440252305}],"sentiment":"neutral","sentiment_score":0.08963935023971967,"num_words":28,"start":745.73004,"end":761.425},{"sentences":[{"text":"Yes.","start":761.645,"end":762.145,"sentiment":"neutral","sentiment_score":0.024493953213095665},{"text":"Can you see that little table?","start":763.245,"end":764.525,"sentiment":"neutral","sentiment_score":0.023926476016640663},{"text":"It says twelve months, three, five, and ten years.","start":764.525,"end":767.39,"sentiment":"neutral","sentiment_score":0.015398775330848165},{"text":"Yeah.","start":767.61005,"end":768.11005,"sentiment":"neutral","sentiment_score":0.12943145632743835},{"text":"And that just shows you a little bit longer period of time between the portfolios as well.","start":768.33,"end":773.63,"sentiment":"neutral","sentiment_score":0.10461092871778152}],"sentiment":"neutral","sentiment_score":0.06513114799471463,"num_words":34,"start":761.645,"end":773.63},{"sentences":[{"text":"So you can actually see that twelve months, three years, and five years, the recommended portfolio has performed better than your current portfolio.","start":773.77,"end":783.16504,"sentiment":"neutral","sentiment_score":0.231361950221269},{"text":"When we are looking at a ten year time frame, the current has performed a little bit better, which is expected when you are seeing a lot more fluctuations in the short term.","start":783.865,"end":794.60504,"sentiment":"neutral","sentiment_score":0.1359500036095128},{"text":"But even when we're looking at five and three years, the recommended has still outperformed, which is great.","start":794.88,"end":800.9,"sentiment":"positive","sentiment_score":0.34814223315980697},{"text":"Yep.","start":803.44,"end":803.94,"sentiment":"neutral","sentiment_score":0.03645828366279602},{"text":"Now what that actually looks like in terms of the investment changes is the following page, so page 16.","start":804.32,"end":811.195,"sentiment":"neutral","sentiment_score":0.014099091879631343}],"sentiment":"neutral","sentiment_score":0.1742401723452705,"num_words":94,"start":773.77,"end":811.195},{"sentences":[{"text":"Now this might look a little bit messy.","start":814.455,"end":816.955,"sentiment":"neutral","sentiment_score":-0.0491182878613472},{"text":"Basically, what it is, it is showing the changes we are wanting to do to your investments.","start":817.575,"end":822.635,"sentiment":"neutral","sentiment_score":0.00523031409829855},{"text":"So the first column you have, basically, what the investment is called.","start":822.935,"end":827.07,"sentiment":"neutral","sentiment_score":0.052608296275138855},{"text":"The column next to it, you have the kind of special little code.","start":827.61,"end":830.67,"sentiment":"neutral","sentiment_score":0.06189098180486606},{"text":"You then have a current weight, so how much you currently have in that one investment option.","start":831.13,"end":837.085,"sentiment":"neutral","sentiment_score":0.04419754303115256}],"sentiment":"neutral","sentiment_score":0.028107605777236064,"num_words":67,"start":814.455,"end":837.085},{"sentences":[{"text":"Basically, what that looks like from the dollar value, and then you have the buy and sell column.","start":837.085,"end":842.78503,"sentiment":"neutral","sentiment_score":0.06310378222001924},{"text":"Now on this column, everything that is in red is what we are looking at selling, and what's in black is what we are adding to your portfolio.","start":843.085,"end":853.51996,"sentiment":"neutral","sentiment_score":0.10723061300814152},{"text":"Does that make sense?","start":853.74,"end":854.87994,"sentiment":"neutral","sentiment_score":0.13210716843605042},{"text":"Yep.","start":855.81995,"end":856.31995,"sentiment":"neutral","sentiment_score":0.0968211144208908},{"text":"Can you see those the the minus the minuses listed here?","start":859.89996,"end":863.48505,"sentiment":"neutral","sentiment_score":0.02228849914602258}],"sentiment":"neutral","sentiment_score":0.08078626649934918,"num_words":62,"start":837.085,"end":863.48505},{"sentences":[{"text":"Yep.","start":863.48505,"end":863.98505,"sentiment":"neutral","sentiment_score":0.08171122521162033},{"text":"You then have the target weight next to it, so how much we are wanting in each option, and then, again, what that looks like from a dollar value.","start":864.84503,"end":873.825,"sentiment":"neutral","sentiment_score":0.0830780462972049},{"text":"To make it as simple as possible, basically, what we are changing is that we are selling the first one all the way at the top, which is that Benelon Australian equity.","start":874.28503,"end":885.05,"sentiment":"neutral","sentiment_score":0.11326880217529833},{"text":"That is that one investment I kind of touched on during the annual review that recently had been underperforming a little bit and that I wanted to do some more research on.","start":885.43,"end":894.40497,"sentiment":"neutral","sentiment_score":-0.11552460386883467},{"text":"Is that do you remember that briefly?","start":894.40497,"end":896.265,"sentiment":"neutral","sentiment_score":0.0014375650456973485}],"sentiment":"neutral","sentiment_score":0.024048038306507733,"num_words":101,"start":863.48505,"end":896.265},{"sentences":[{"text":"Yeah.","start":898.885,"end":899.285,"sentiment":"neutral","sentiment_score":0.22497668862342832},{"text":"Perfect.","start":899.285,"end":899.785,"sentiment":"positive","sentiment_score":0.5362365245819092},{"text":"So we are completely selling out of the Benelong, and instead, we are adding the BetaShares Australia 200 to your portfolio.","start":900.005,"end":909.14,"sentiment":"neutral","sentiment_score":0.26143854004996164},{"text":"It is another Australian investment.","start":909.2,"end":911.14,"sentiment":"positive","sentiment_score":0.344738632440567},{"text":"It is just changing for another one that has performed a bit better, is a little bit cheaper, and it is more diversified in that you are invested in 200 companies in the one option for giving you that diversification.","start":911.68,"end":925.255,"sentiment":"neutral","sentiment_score":0.3212974417954683}],"sentiment":"neutral","sentiment_score":0.30627960865111914,"num_words":68,"start":898.885,"end":925.255},{"sentences":[{"text":"We're also swapping out one of your so the second investment to the top where it talks about the bank hybrids, that one is slowly being phased out.","start":927.47504,"end":937.30005,"sentiment":"neutral","sentiment_score":0.06799303753567594},{"text":"So we're just changing that one to another defensive investment.","start":937.30005,"end":941.16003,"sentiment":"neutral","sentiment_score":0.09053792282938958},{"text":"We are swapping some of your kind of your satellite investments, so the India investment and and health care.","start":942.9,"end":951.265,"sentiment":"neutral","sentiment_score":0.14485087598624982},{"text":"So these are the ones that have a higher allocation through your your kind of your more growth portfolios because they can fluctuate a little bit more.","start":951.265,"end":960.165,"sentiment":"neutral","sentiment_score":0.1355058066546917},{"text":"But because we are wanting to reduce the risk a little bit down, it is just, like, kind of filling out of them and instead looking at a bit of, like, infrastructure for you and shifting allocation in the other investments that you already have in your portfolio that's been kind of reallocating the percentage, just reducing risk a little bit for you.","start":960.225,"end":986.19495,"sentiment":"positive","sentiment_score":0.4195953801510826}],"sentiment":"neutral","sentiment_score":0.2425477323280711,"num_words":147,"start":927.47504,"end":986.19495},{"sentences":[{"text":"Does that make sense, Peter?","start":986.19495,"end":987.65497,"sentiment":"neutral","sentiment_score":0.28567015528678896},{"text":"Yep.","start":989.39496,"end":989.89496,"sentiment":"neutral","sentiment_score":0.15008637309074402},{"text":"Do you have any questions in regards to any any of that?","start":990.05,"end":993.18994,"sentiment":"neutral","sentiment_score":0.11575207362572353},{"text":"And and that's okay.","start":1000.68994,"end":1001.81,"sentiment":"neutral","sentiment_score":0.14165138080716133},{"text":"But, basically, what it is, we're just changing some that has underperformed a little bit through some similar options, and we are then taking some out of your portfolio that can fluctuate a little bit more for a little bit more kind of little bit more defensive investments, essentially.","start":1001.81,"end":1017.165,"sentiment":"neutral","sentiment_score":0.14342620132529005}],"sentiment":"neutral","sentiment_score":0.1487598791718483,"num_words":71,"start":986.19495,"end":1017.165},{"sentences":[{"text":"For you, Peter.","start":1028.3301,"end":1029.31,"sentiment":"neutral","sentiment_score":0.10099250823259354},{"text":"It should you have should have a little pie chart and a table again.","start":1029.4501,"end":1033.6549,"sentiment":"neutral","sentiment_score":0.12007738330534526},{"text":"Yep.","start":1033.6549,"end":1034.1549,"sentiment":"neutral","sentiment_score":0.13382671773433685},{"text":"What this looks like, it basically shows how much those growth and defensive investments.","start":1034.615,"end":1039.975,"sentiment":"neutral","sentiment_score":0.1664417508457388},{"text":"So in a balanced growth portfolio, we wanna aim for about seventy thirty.","start":1039.975,"end":1045.44,"sentiment":"neutral","sentiment_score":0.2480693872158344}],"sentiment":"neutral","sentiment_score":0.17051053676340316,"num_words":45,"start":1028.3301,"end":1045.44},{"sentences":[{"text":"So 70 in growth, 30% in defensive.","start":1046.3999,"end":1050.6599,"sentiment":"neutral","sentiment_score":0.18283982149192265},{"text":"Now the column next to it, you can say existing.","start":1051.36,"end":1054.24,"sentiment":"neutral","sentiment_score":0.11868174076080322},{"text":"So that shows you that at the moment, you have about 81 in growth and then about 19.9 in defensive.","start":1054.24,"end":1061.925,"sentiment":"neutral","sentiment_score":0.15378493145108224},{"text":"The post portfolio, you can see, are a little bit less in growth and a little bit more in defensive, which is what we want because we wanna smooth out those fluctuations a little bit for you as you are getting closer to retirement, but still making sure we don't jeopardize the returns.","start":1063.025,"end":1079.6201,"sentiment":"neutral","sentiment_score":0.1625264949112568},{"text":"So you can see that's reducing growth a little bit, increasing that as a defensive proportion just a little bit for you.","start":1079.92,"end":1088.8475,"sentiment":"positive","sentiment_score":0.3841645616022023}],"sentiment":"neutral","sentiment_score":0.20185642296980535,"num_words":112,"start":1046.3999,"end":1088.8475},{"sentences":[{"text":"Makes sense?","start":1089.3938,"end":1090.9401,"sentiment":"neutral","sentiment_score":0.2229362651705742},{"text":"Basically, it just means that we are shifting to not taking on as much risk and fluctuation, and instead just having a little bit smoother, with with the market changes, essentially.","start":1091.4863,"end":1107.9501,"sentiment":"neutral","sentiment_score":0.2293153381155383},{"text":"Now that is essentially what the recommendation is when it comes to your super.","start":1111.29,"end":1118.6449,"sentiment":"neutral","sentiment_score":0.17568846685545786},{"text":"So as you scroll through, you will see I've included some information in regards to setting up a will as well as making a nomination for power of attorney.","start":1118.865,"end":1129.11,"sentiment":"neutral","sentiment_score":0.197173109342312},{"text":"It is something I always recommend everyone to consider.","start":1129.67,"end":1132.89,"sentiment":"positive","sentiment_score":0.42479700843493146}],"sentiment":"neutral","sentiment_score":0.23006446817341972,"num_words":85,"start":1089.3938,"end":1132.89},{"sentences":[{"text":"So I have included a lot of information in regards to that, but I'll let you have a read over that in your own time.","start":1133.11,"end":1140.41,"sentiment":"neutral","sentiment_score":0.20612160086631776},{"text":"It's all in there for you, though, the importance of it and couple of advantages and disadvantages in regards to making a nomination for power of attorney and the will.","start":1141.03,"end":1150.945,"sentiment":"neutral","sentiment_score":0.18862672137717407},{"text":"It's all in there for you.","start":1151.325,"end":1153.265,"sentiment":"neutral","sentiment_score":0.14239497234423956},{"text":"Now that just kind of summarizes everything.","start":1153.965,"end":1163.4299,"sentiment":"neutral","sentiment_score":0.1675640663930348},{"text":"It talks about the fee structure again, which similar to our mention during the interview that is not changing in any way, shape, or form.","start":1163.4299,"end":1170.01,"sentiment":"neutral","sentiment_score":0.14793989300727844}],"sentiment":"neutral","sentiment_score":0.17782427190292266,"num_words":93,"start":1133.11,"end":1170.01},{"sentences":[{"text":"So you would save exactly the same at that 1.65 from super, so no changes in regards to that.","start":1170.07,"end":1176.935,"sentiment":"positive","sentiment_score":0.4226754362645902},{"text":"And if it was that you were happy to go ahead with these couple of little changes to your investments to reduce your your risk a little bit, there is no additional fees and charges at all in regards to that.","start":1177.155,"end":1189.82,"sentiment":"positive","sentiment_score":0.49785605509106706},{"text":"It is all part of that ongoing service for you.","start":1189.82,"end":1192.8,"sentiment":"positive","sentiment_score":0.6141730576753617},{"text":"Yep.","start":1195.66,"end":1196.16,"sentiment":"neutral","sentiment_score":0.27717524766921997},{"text":"So, basically, from here, if you wanted to take some time to have a read over this document in your own time, you are more than welcome to do so.","start":1196.46,"end":1206.255,"sentiment":"neutral","sentiment_score":0.2999088113506635}],"sentiment":"positive","sentiment_score":0.43424853180894757,"num_words":101,"start":1170.07,"end":1206.255},{"sentences":[{"text":"Alternatively, if you are happy to go ahead with the recommendation, which is just to stay in hub 24 and swap out some of the investments that underperformed a little bit through alternatives for you.","start":1206.715,"end":1220.49,"sentiment":"neutral","sentiment_score":0.2397750667163304},{"text":"To move forward, it would just be to sign this document at the bottom where you are, and then it will automatically send it back to me.","start":1221.83,"end":1231.055,"sentiment":"positive","sentiment_score":0.4108185492180012},{"text":"And that tells me that you are happy and comfortable with the little change.","start":1231.055,"end":1234.915,"sentiment":"positive","sentiment_score":0.5357134150607246},{"text":"Perfect.","start":1237.0499,"end":1237.5499,"sentiment":"positive","sentiment_score":0.4057879149913788},{"text":"Yes.","start":1256.0549,"end":1256.5549,"sentiment":"neutral","sentiment_score":-0.01137637160718441}],"sentiment":"positive","sentiment_score":0.3510080451050248,"num_words":78,"start":1206.715,"end":1256.5549},{"sentences":[{"text":"Yes.","start":1257.895,"end":1258.395,"sentiment":"neutral","sentiment_score":-0.0363796167075634},{"text":"Yep.","start":1272.63,"end":1273.13,"sentiment":"neutral","sentiment_score":0.015255926176905632},{"text":"It wouldn't change the recommendation.","start":1275.11,"end":1276.995,"sentiment":"neutral","sentiment_score":-0.14962969869375228},{"text":"If anything, it will be good because we are reducing the risk.","start":1277.455,"end":1281.7949,"sentiment":"neutral","sentiment_score":0.30437959792713326},{"text":"So if we were making drastic changes and depending on how much you wanted to take out.","start":1282.1749,"end":1290.06,"sentiment":"neutral","sentiment_score":0.12669473185258753}],"sentiment":"neutral","sentiment_score":0.13991926201722688,"num_words":36,"start":1257.895,"end":1290.06},{"sentences":[{"text":"Now are you you're still working at the moment?","start":1290.38,"end":1293.1201,"sentiment":"neutral","sentiment_score":0.057743304719527565},{"text":"Yeah.","start":1294.38,"end":1294.88,"sentiment":"neutral","sentiment_score":0.1555049866437912},{"text":"So the max you could take out if you wanted to was 10%.","start":1294.9401,"end":1299.76,"sentiment":"neutral","sentiment_score":0.16911983432678077},{"text":"That will be tax free for you.","start":1299.9,"end":1301.92,"sentiment":"neutral","sentiment_score":0.29283577629498075},{"text":"Obviously, when you turn 60, obviously, you can take that out.","start":1303.42,"end":1308.905,"sentiment":"neutral","sentiment_score":0.1917853206396103}],"sentiment":"neutral","sentiment_score":0.17154247649922605,"num_words":41,"start":1290.38,"end":1308.905},{"sentences":[{"text":"So you still have a good even if you were to take out the 10 sorry, the 10% for renovations or whatever it is that you wanted to do with it, essentially, super as it is to grow for you.","start":1308.905,"end":1323.0399,"sentiment":"positive","sentiment_score":0.4791043732315302},{"text":"And by making the change, it is saving you in fees, which means that you will have more in there, and it's improving the returns for you.","start":1323.0399,"end":1330.96,"sentiment":"positive","sentiment_score":0.6723329314479122},{"text":"So if you wanna take out a little bit from your you.","start":1330.96,"end":1331.8151,"sentiment":"neutral","sentiment_score":0.11076476393888395},{"text":"So if you wanna take out a little bit from your superannuation, that won't change the recommendations I have met.","start":1331.8151,"end":1339.895,"sentiment":"neutral","sentiment_score":-0.008286742866039276},{"text":"I would still go ahead with the same recommendation.","start":1339.895,"end":1341.995,"sentiment":"neutral","sentiment_score":0.09357173326942655}],"sentiment":"positive","sentiment_score":0.36409955544190276,"num_words":108,"start":1308.905,"end":1341.995},{"sentences":[{"text":"If you were to if we were to do the opposite, let's say we went through super aggressive and you say, oh, I wanna take out some money in two weeks' time, then I would say, okay.","start":1343.8151,"end":1354.06,"sentiment":"neutral","sentiment_score":-0.08984046550215902},{"text":"Well, maybe we need to reassess it.","start":1354.06,"end":1355.66,"sentiment":"neutral","sentiment_score":-0.10044550895690918},{"text":"Because if we put you in a super aggressive portfolio and you have a lot of fluctuations in the market and you wanna take out money when the market's down, that's not gonna help you.","start":1355.66,"end":1364.9651,"sentiment":"neutral","sentiment_score":-0.16171305924654006},{"text":"So it's something we are kind of reducing that risk.","start":1365.0251,"end":1368.2251,"sentiment":"neutral","sentiment_score":0.09560943059623242},{"text":"Does that make sense?","start":1368.2251,"end":1369.3651,"sentiment":"neutral","sentiment_score":0.10642579942941666}],"sentiment":"neutral","sentiment_score":-0.08930511135728128,"num_words":93,"start":1343.8151,"end":1369.3651},{"sentences":[{"text":"Yes.","start":1370.7051,"end":1371.2051,"sentiment":"neutral","sentiment_score":0.04252492636442184},{"text":"Do you have any other questions for me, Peter?","start":1371.505,"end":1376.11,"sentiment":"neutral","sentiment_score":-0.01796445209119055},{"text":"No?","start":1376.11,"end":1376.61,"sentiment":"neutral","sentiment_score":-0.051223766058683395},{"text":"Yep.","start":1376.83,"end":1377.33,"sentiment":"neutral","sentiment_score":0.028767019510269165},{"text":"Yes.","start":1385.71,"end":1386.165,"sentiment":"neutral","sentiment_score":0.07778465747833252}],"sentiment":"neutral","sentiment_score":-0.00490978704049037,"num_words":13,"start":1370.7051,"end":1386.165},{"sentences":[{"text":"So exactly.","start":1387.125,"end":1389.2251,"sentiment":"neutral","sentiment_score":0.07445172220468521},{"text":"Yep.","start":1389.285,"end":1389.605,"sentiment":"neutral","sentiment_score":0.1398528516292572},{"text":"So if you're working, you can take up through 10% under that transition to retirement, and we can help help you with that.","start":1389.605,"end":1397.385,"sentiment":"neutral","sentiment_score":0.2183077604226444},{"text":"And you can do it as a lump sum, or you could do it, like, as a as a weekly or whatever it is that you wanted to do.","start":1398.9651,"end":1405.36,"sentiment":"neutral","sentiment_score":0.17739084003300504},{"text":"I'll give you definitely.","start":1406.06,"end":1407.2001,"sentiment":"positive","sentiment_score":0.6850049197673798}],"sentiment":"neutral","sentiment_score":0.22363031908112058,"num_words":59,"start":1387.125,"end":1407.2001},{"sentences":[{"text":"Yeah.","start":1407.9,"end":1408.2201,"sentiment":"neutral","sentiment_score":0.14664649963378906},{"text":"So if it's for renovation.","start":1408.2201,"end":1409.6001,"sentiment":"neutral","sentiment_score":0.11079221814870835},{"text":"So, yes, you can do that whenever you want to.","start":1409.66,"end":1412.0,"sentiment":"neutral","sentiment_score":0.20650728642940522},{"text":"If it's something that you want, just send us an email or you give us a call and say, hey.","start":1412.4601,"end":1416.975,"sentiment":"neutral","sentiment_score":0.10367499403655529},{"text":"I wanna look at taking some money out to do some renovations, and then we can assist and help you with that.","start":1416.975,"end":1422.595,"sentiment":"neutral","sentiment_score":0.15046658807180144}],"sentiment":"neutral","sentiment_score":0.1405076771203814,"num_words":58,"start":1407.9,"end":1422.595},{"sentences":[{"text":"Yep.","start":1423.7749,"end":1424.2749,"sentiment":"neutral","sentiment_score":-0.010474231094121931},{"text":"Yep.","start":1424.975,"end":1425.475,"sentiment":"neutral","sentiment_score":-0.02306545153260231},{"text":"Yeah.","start":1428.095,"end":1428.595,"sentiment":"neutral","sentiment_score":0.0058722347021102905},{"text":"Yeah.","start":1433.15,"end":1433.65,"sentiment":"neutral","sentiment_score":-0.04363778978586197},{"text":"And, obviously, yeah, the option is there for you.","start":1434.11,"end":1437.47,"sentiment":"neutral","sentiment_score":0.0015390002065234715}],"sentiment":"neutral","sentiment_score":-0.004419556603981898,"num_words":13,"start":1423.7749,"end":1437.47},{"sentences":[{"text":"Obviously, by taking money out, you'll have a little bit less, obviously, in there for retirement, But, obviously, the choice is there for you.","start":1437.47,"end":1445.875,"sentiment":"neutral","sentiment_score":-0.011236716527491808},{"text":"And yes.","start":1446.255,"end":1446.995,"sentiment":"neutral","sentiment_score":-0.030627453699707985},{"text":"Yeah.","start":1450.015,"end":1450.495,"sentiment":"neutral","sentiment_score":-0.035576894879341125},{"text":"And like I said, it doesn't change the recommendations we have gone through today.","start":1450.495,"end":1455.31,"sentiment":"neutral","sentiment_score":-0.08253270840006215},{"text":"It's quite minor just adjusting some of those investments.","start":1455.31,"end":1458.37,"sentiment":"neutral","sentiment_score":-0.10325427767303255}],"sentiment":"neutral","sentiment_score":-0.04902518831193447,"num_words":50,"start":1437.47,"end":1458.37},{"sentences":[{"text":"If it was going the other way or making drastic changes, then it could impact things for you, but but not what we have gone through today.","start":1458.75,"end":1466.29,"sentiment":"neutral","sentiment_score":-0.1659162731634246},{"text":"Yeah.","start":1467.87,"end":1468.27,"sentiment":"neutral","sentiment_score":0.16608481109142303},{"text":"Okay.","start":1468.27,"end":1468.67,"sentiment":"neutral","sentiment_score":0.3002805709838867},{"text":"Beautiful.","start":1468.67,"end":1469.17,"sentiment":"positive","sentiment_score":0.5753666162490845},{"text":"Well, I will leave that with you, Peter.","start":1469.465,"end":1471.0651,"sentiment":"neutral","sentiment_score":0.1919910293072462}],"sentiment":"neutral","sentiment_score":-0.05005471427973948,"num_words":38,"start":1458.75,"end":1471.0651},{"sentences":[{"text":"Like I said, have a bit of a read over the document.","start":1471.0651,"end":1473.405,"sentiment":"neutral","sentiment_score":0.1324807877341906},{"text":"Any questions, let me know.","start":1473.9451,"end":1475.625,"sentiment":"neutral","sentiment_score":0.10149597319541499},{"text":"Otherwise, when you have a moment, if you are wanting to go ahead, if you could assign that document digitally, and then it will automatically send it back to me.","start":1475.785,"end":1483.6499,"sentiment":"neutral","sentiment_score":0.11047692410647869},{"text":"And then I will let the team know to go ahead and make those couple of changes for you.","start":1483.8899,"end":1488.1499,"sentiment":"neutral","sentiment_score":0.307217575609684},{"text":"Okay.","start":1489.4099,"end":1489.9099,"sentiment":"neutral","sentiment_score":0.10725222527980804}],"sentiment":"neutral","sentiment_score":0.16949168960963473,"num_words":67,"start":1471.0651,"end":1489.9099},{"sentences":[{"text":"Do you have any questions before I let you go?","start":1490.0499,"end":1492.3899,"sentiment":"neutral","sentiment_score":0.12043485008180141},{"text":"No?","start":1493.6499,"end":1494.1499,"sentiment":"neutral","sentiment_score":-0.08840689063072205},{"text":"Okay.","start":1494.21,"end":1494.5299,"sentiment":"neutral","sentiment_score":0.15542179346084595},{"text":"Beautiful.","start":1494.5299,"end":1495.01,"sentiment":"positive","sentiment_score":0.6335632801055908},{"text":"Well, thank you so much for your time today, Peter.","start":1495.01,"end":1497.01,"sentiment":"positive","sentiment_score":0.777303409576416}],"sentiment":"positive","sentiment_score":0.4207809034572995,"num_words":23,"start":1490.0499,"end":1497.01},{"sentences":[{"text":"And, anything else you need, don't hesitate to give me a call.","start":1497.01,"end":1500.299,"sentiment":"positive","sentiment_score":0.3647754304111004},{"text":"Okay.","start":1501.3188,"end":1501.7189,"sentiment":"positive","sentiment_score":0.3739221394062042},{"text":"Thank you.","start":1501.7189,"end":1502.3589,"sentiment":"positive","sentiment_score":0.6472433805465698},{"text":"Bye.","start":1502.3589,"end":1502.8589,"sentiment":"positive","sentiment_score":0.3720497488975525}],"sentiment":"positive","sentiment_score":0.4011102383956313,"num_words":16,"start":1497.01,"end":1502.8589}]}}]},{"alternatives":[{"transcript":"Yeah. Yep. Yeah. Good. Thank you. Yeah. Yep. On. Yep. Yep. It's Peter Clark. Peter William Clark. First to the 6669 Brisbane Street Lane. Yeah. Very cold and weather. Yeah. And rain. Can I just stop you a few seconds? I'll put you on speaker because this phone got rolled out. You there? Yeah. Yeah. I think I can. Yeah. I've got the email here. Yeah. Yeah. I was looking to say where I put it. It says oh, my god. It's a signature on the document. Sign. And then it goes sign document. So is that open document? I don't know. We got it Yep. Yep. The best interest duty. Yep. No. Sorry. I just lost you for a minute then. Not that last bit. No. I'm not getting a pretty loud signal. I got you on speaker and I don't know much better than that. Okay. Yep. Mhmm. It's table of contents. Page two. Yeah. Got the good voice. Yes. Yeah. Mhmm. Yep. Mhmm. 12. Four nine. Yeah. Alright. Mhmm. Okay. Yep. Yeah. I'm trying to open it up. It keeps pulling up on me. So I was yep. Right. So let's just replace that mask a little bit. Yeah. Right. Yep. Mhmm. Yep. Mhmm. Yep. Okay. Yep. Yep. Mhmm. That's correct. Mhmm. Yep. Mhmm. Yeah. Okay. That sounds good. Okay. Yep. Hey, helping, sir. Next page is what we're on? 15. Yeah. Yep. Mhmm. Yep. Yeah. You okay? Yep. Mhmm. Yep. Yeah. No. Sort of a most of that's a bit over my head. So Yep. Mhmm. Yep. Yep. I'll trust you. Yep. Yep. Mhmm. Yep. Mhmm. Yep. Mhmm. Yeah. Would anything any of this make any difference if because of cost me investment property, which is not doing much for investment that needs a bit of work done to it. Because you're saying now I'm 60 plus that I can access some of the funds without tech. If I access some of the funds to, like, to renovate the house to to get more money out of it, so it's doing what's doing what it's supposed to do for me. How would that affect me of this? Yeah. Yep. Yep. Mhmm. Yeah. Yeah. Obviously. Yep. Yep. Yes. Yep. No. I'm not. No. It's pretty good. Yeah. I was just so what if I do, I can take 10%. So it'll be 25,000 out of basically, I can get up to three of tax. Yeah. Yep. Yeah. Awesome. Yeah. Yeah. Mhmm. Yep. Yep. No. That's fine. I've probably just been thinking better since we spoke to last time. And so I need to I need to make my investment property work for me. I'm not doing any yes. Yeah. Yeah. But the investment property will counteract that anyway. So Yep. Yep. Yep. Okay. Yep. Yep. Okay. Well, thank you. Not so important. Okay. Thank you. 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Yep. Yeah. Good. Thank you.\n\nYeah. Yep. On. Yep. Yep.\n\nIt's Peter Clark. Peter William Clark. First to the 6669 Brisbane Street Lane. Yeah. Very cold and weather.\n\nYeah. And rain. Can I just stop you a few seconds? I'll put you on speaker because this phone got rolled out. You there?\n\nYeah. Yeah. I think I can. Yeah. I've got the email here.\n\nYeah. Yeah. I was looking to say where I put it. It says oh, my god. It's a signature on the document.\n\nSign. And then it goes sign document. So is that open document? I don't know. We got it Yep.\n\nYep. The best interest duty. Yep. No. Sorry.\n\nI just lost you for a minute then. Not that last bit. No. I'm not getting a pretty loud signal. I got you on speaker and I don't know much better than that.\n\nOkay. Yep. Mhmm. It's table of contents. Page two.\n\nYeah. Got the good voice. Yes. Yeah. Mhmm.\n\nYep. Mhmm. 12. Four nine. Yeah.\n\nAlright. Mhmm. Okay. Yep. Yeah.\n\nI'm trying to open it up. It keeps pulling up on me. So I was yep. Right. So let's just replace that mask a little bit.\n\nYeah. Right. Yep. Mhmm. Yep.\n\nMhmm. Yep. Okay. Yep. Yep.\n\nMhmm. That's correct. Mhmm. Yep. Mhmm.\n\nYeah. Okay. That sounds good. Okay. Yep.\n\nHey, helping, sir. Next page is what we're on? 15. Yeah. Yep.\n\nMhmm. Yep. Yeah. You okay? Yep.\n\nMhmm. Yep. Yeah. No. Sort of a most of that's a bit over my head.\n\nSo Yep. Mhmm. Yep. Yep. I'll trust you.\n\nYep. Yep. Mhmm. Yep. Mhmm.\n\nYep. Mhmm. Yeah. Would anything any of this make any difference if because of cost me investment property, which is not doing much for investment that needs a bit of work done to it. Because you're saying now I'm 60 plus that I can access some of the funds without tech.\n\nIf I access some of the funds to, like, to renovate the house to to get more money out of it, so it's doing what's doing what it's supposed to do for me. How would that affect me of this? Yeah. Yep. Yep.\n\nMhmm. Yeah. Yeah. Obviously. Yep.\n\nYep. Yes. Yep. No. I'm not.\n\nNo. It's pretty good. Yeah. I was just so what if I do, I can take 10%. So it'll be 25,000 out of basically, I can get up to three of tax.\n\nYeah. Yep. Yeah. Awesome. Yeah.\n\nYeah. Mhmm. Yep. Yep. No.\n\nThat's fine. I've probably just been thinking better since we spoke to last time. And so I need to I need to make my investment property work for me. I'm not doing any yes. Yeah.\n\nYeah. But the investment property will counteract that anyway. So Yep. Yep. Yep.\n\nOkay. Yep. Yep. Okay. Well, thank you.\n\nNot so important. Okay. Thank you. 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Is this Peter?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: This is Veronica from Financial. How are you?\n\nChannel 1: Yeah. Good. Thank you.\n\nChannel 0: Not good. I had you booked in just to go over the research I did on your super investment. Does this also a good time\n\nChannel 1: Yeah. Yep. On.\n\nChannel 0: for you? Yes? Perfect. Now, Peter, before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Perfect. And just for security purposes, just so that I can confirm I'm speaking with the right person, could I please just get you to confirm your full name, date of birth, and address, please?\n\nChannel 1: It's Peter Clark.\n\nChannel 0: Yep.\n\nChannel 1: Peter William Clark. First to the 6669 Brisbane Street Lane.\n\nChannel 0: Perfect. And how's your day been? Been busy?\n\nChannel 1: Yeah. Very cold and weather. Yeah. And rain.\n\nChannel 0: Yes. Same here same here. Same here today. No, Peter. I will try not to keep you on the phone for too long.\n\nIt is pretty\n\nChannel 1: Can\n\nChannel 0: straightforward\n\nChannel 1: I just\n\nChannel 0: today.\n\nChannel 1: stop you a few seconds? I'll put you on speaker because this phone got rolled out.\n\nChannel 0: Sure.\n\nChannel 1: You there?\n\nChannel 0: Yep. Can you hear me okay?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. Now, Peter, do you have access to your emails at the moment or or not really right now?\n\nChannel 1: Yeah. I think I can.\n\nChannel 0: Yeah. That would be great because I have just sent you an email with the recommendations to go through with you quickly, and it just makes it a bit easier for you if you can get that up at the same time. Sorry. Let me know if that email came through okay to you.\n\nChannel 1: Yeah. I've got the email here.\n\nChannel 0: Okay. Beautiful. Now if you can open that email for me, now it will say same as it did for under review. I think it says click now to sign. It doesn't mean that it will ask you to sign right away, but by clicking the link, it will just allow you to open up and look at the recommendations\n\nChannel 1: Yeah.\n\nChannel 0: first.\n\nChannel 1: Yeah. I was looking to say where I put it. It says\n\nChannel 0: Just\n\nChannel 1: oh,\n\nChannel 0: request\n\nChannel 1: my god. It's a signature on the document. Sign. And then it goes sign document. So is that open document?\n\nChannel 0: yes. Correct. If you click on that link, it should then open up the actual attachments first.\n\nChannel 1: I don't know. We got it\n\nChannel 0: Yep. Perfect. So can you see that cover page where it says prepared for Peter Clark? And there's, like, a pretty photo of the Gold Coast in the back there.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Okay. Perfect. Now, Peter, like I said, I'll try to make it quick for you. But every time we do make a recommendation, we have to put everything in the statement of advice for you just to make sure you fully understand everything.\n\nA lot of it is just the compliance, and it is pretty straightforward today. So I'll tryna just go through the main points for you, but that's all in here just to make sure you fully understand everything. Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now you will see that this has been tailored specifically to you. And on the cover page, you can also see my details. You can see my authorized representative number listed, and I am licensed under both of you financials.\n\nNow if you go to the second page, can you see where it says best interest duty?\n\nChannel 1: The best interest duty. Yep.\n\nChannel 0: Yep. Based. Have you ever heard of this before, Peter?\n\nChannel 1: No.\n\nChannel 0: No. Basically, what it means is that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendations. Does that make sense?\n\nChannel 1: Sorry. I just lost you for a minute then.\n\nChannel 0: Cool. No worries. Did you hear any of that, or do you want me to just repeat\n\nChannel 1: Not that\n\nChannel 0: it?\n\nChannel 1: last bit. No.\n\nChannel 0: No.\n\nChannel 1: I'm not\n\nChannel 0: So,\n\nChannel 1: getting\n\nChannel 0: basically\n\nChannel 1: a pretty loud signal. I got you on speaker and I don't know much\n\nChannel 0: okay.\n\nChannel 1: better than\n\nChannel 0: Let\n\nChannel 1: that.\n\nChannel 0: me see if let me see if I can turn that up for you if it's my end. Just just ask me to repeat if you can't hear anything. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Yep. Perfect. Basically, there's a lot of legislation in place to protect you and that we always have to act in your best interest and that the advice has to put you in a better position as a result of the advice, essentially. So that's kind of what that talks about. Makes sense?\n\nYep.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now if you can scroll down through page three for me, it should\n\nChannel 1: Mhmm.\n\nChannel 0: say scope of advice.\n\nChannel 1: It's table of contents. Page two.\n\nChannel 0: Yep. So next after\n\nChannel 1: Yeah. Got\n\nChannel 0: that.\n\nChannel 1: the good voice. Yes.\n\nChannel 0: Yep. Perfect. Basically, what this talks about is the areas we are looking at today. So, basically, the main purpose of following the under review was for me to do some research on your super investments, look at potentially reducing risk just a little bit as you are getting closer to retirement just from growth down to one step, if it was going to be good for you just to turn up limit fluctuations a little bit, but still making sure we focus on a steady growth. Do you remember that conversation?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Okay. Beautiful. Otherwise, I have also just included some information in regards to estate planning for you, but we are not making any recommendations on insurances or anything else. Literally just focusing on those super investments today.\n\nChannel 1: Mhmm.\n\nChannel 0: Now if you can scroll down for me, just keep scrolling until you get through page nine, and it talks about risk profile. And what you will see as scrolling through is just a couple of pages. You'll see some personal information in regards to you, your assets that we kind of touched on during the annual review, and then that should take you to your risk profile.\n\nChannel 1: Yep.\n\nChannel 0: It should be yeah. Perfect. So do you remember doing the under review, we went through that little kind of questionnaire to see how you feel about market fluctuations and time until retirement and stuff like that?\n\nChannel 1: Mhmm.\n\nChannel 0: Yep. Perfect. So So you did come out as a balanced growth investor, which is very suitable for kind of where you are at at the moment with your goals and time frames until retirement. So what I have recommended today is that balanced growth portfolio, and I will show you shortly what that actually looks like and how it changes things for you in regards to your superannuation. So if you can scroll down for me until page 14, you should have a fee comparison table kind of outlining this change.\n\nChannel 1: 12. Four nine.\n\nChannel 0: There should be,\n\nChannel 1: Yeah.\n\nChannel 0: like,\n\nChannel 1: Alright.\n\nChannel 0: a a big table with numbers and everything.\n\nChannel 1: Mhmm.\n\nChannel 0: Yep. Perfect. So this basically summarizes the recommendation and kind of the pages that you did scroll through. So what I have done is I have recommended that you stay in hub twenty four. So part of the research is also considering a lot of other super funds just to make sure the hub twenty four is still the best option for you because there's always new products and features that comes out.\n\nSo it is important to reassess just to make sure it's still the best super fund for you. And after doing research, it's still very competitive when it comes to fees and features and investment choices. So I have recommended that we stay in Hub 24 and just change some of those investments around for you. Now\n\nChannel 1: Okay.\n\nChannel 0: what that actually looks like so what you can see here is the second column should say your current. Can you see that?\n\nChannel 1: Yep.\n\nChannel 0: Yep. So that outlines your current situation. It shows you all the fees associated with the account, contributions and everything going in. And then at the bottom, it shows you your total cost, and it also shows you your five year rolling average on your current investment portfolio. So can you see where it says growth, and then it says 10.01%?\n\nChannel 1: Yeah. I'm trying\n\nChannel 0: Kind\n\nChannel 1: to open\n\nChannel 0: of at\n\nChannel 1: it\n\nChannel 0: the\n\nChannel 1: up.\n\nChannel 0: bottom.\n\nChannel 1: It keeps pulling up on me. So I was\n\nChannel 0: No. That's okay. Take your\n\nChannel 1: yep.\n\nChannel 0: time.\n\nChannel 1: Right. So let's just replace that mask a little bit.\n\nChannel 0: Yeah. So can you see on this page where it says your five year rolling average, and it shows you 10.01 under the column where it says current?\n\nChannel 1: Yeah. Right. Yep.\n\nChannel 0: Yep. Perfect. Basically, what this shows that that is your five year rolling average on your current growth portfolio. Now the reason we use a five year rolling average, so it's using a five year period and averaging it out each year, is to give us a little bit more certainty of what has happened in the portfolio and the market. Because some sometimes for some years, you would have it's been really good, and other years, not so good depending on what's happening in the market.\n\nSo that's why we are wanting to use a five year period and averaging it out to give us a\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: little bit more sense. Does that make\n\nChannel 1: Mhmm.\n\nChannel 0: sense?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. So what I have recommended is then on the other side, so the column next to it. Now what this actually looks like is by making a couple of investment changes for you and reducing your risk and fluctuation, it is actually saving you about $442 per year in investment fees alone, which does add\n\nChannel 1: Okay. Yep.\n\nChannel 0: up.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. So it makes it a little bit cheaper for you, which is great. Obviously, less fees you have coming out in super means you\n\nChannel 1: Mhmm.\n\nChannel 0: have more money being invested and more for you at the end of it when you do retire.\n\nChannel 1: That's correct.\n\nChannel 0: Now now you can then also see the return. So even though we are reducing your risk down through a balanced growth, the performance when we are looking at the same five year period has actually improved, which is really good because we are taking on less risk and fluctuations, and it's\n\nChannel 1: Mhmm.\n\nChannel 0: still seeing a bit of performance increase. So it's\n\nChannel 1: Yep.\n\nChannel 0: a difference by about 0.68%. It still makes a difference, though, when we are compounding things for you, and also means that if you do decide to take any money out sooner, then you're not gonna have those same kind of fluctuations.\n\nChannel 1: Mhmm.\n\nChannel 0: Now the good thing as well is that sometimes when we do make changes to investments, there will be some capital gains tax associated when you sell an investment. So similar to, like, an investment property. If you sell it, you'll have to pay tax on the earning. The\n\nChannel 1: Yeah.\n\nChannel 0: same applies in the super environment. It all takes place within your super for you, so it's not something you'd have to worry about yourself or declare on tax returns or anything like that. And it does change on a daily, obviously, depending on the prices of the investments. But when we did the research for you, Peter, it showed that the the couple of investment changes we have recommended, it is estimated to trigger no capital gains tax, which is great.\n\nChannel 1: Okay. That sounds good.\n\nChannel 0: Yep. That's good. Now at the bottom of that table, you can then kind of see things forecasted five and ten years for you. Just to show you that saving a little bit in fees, improving those returns and fluctuations a little bit for you, it still makes it still makes a difference, same.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Yep. Perfect. Does that all make sense so far? Any questions?\n\nChannel 1: Hey, helping, sir.\n\nChannel 0: Yep. Okay. Perfect. Now on the next page, you should see another table where it talks about investment returns a little bit more.\n\nChannel 1: Next page is what\n\nChannel 0: Should\n\nChannel 1: we're on?\n\nChannel 0: be page\n\nChannel 1: 15.\n\nChannel 0: fifth 15. Yes. Can you see that little table? It says twelve months, three, five, and\n\nChannel 1: Yeah.\n\nChannel 0: ten years.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. And that just shows you a little bit longer period of time between the portfolios as well. So you can actually see that twelve months, three years, and five years, the recommended portfolio has performed better than your current portfolio. When we are looking at a ten year time frame, the current has performed a little bit better, which is expected when you are seeing a lot more fluctuations in the short term. But even when we're looking at five and three years, the recommended has still outperformed, which is great.\n\nChannel 1: Mhmm.\n\nChannel 0: Yep. Now what that actually looks like in terms of the investment changes is the following page, so page 16.\n\nChannel 1: Yep.\n\nChannel 0: Now this might look a little bit messy. Basically, what it is, it is showing the changes we are wanting to do to your investments. So the first column you have, basically, what the investment is called. The column next to it, you have the kind of special little code. You then have a current weight, so how much you currently have in that one investment option.\n\nBasically, what that looks like from the dollar value, and then you have the buy and sell column. Now on this column, everything that is in red is what we are looking at selling, and what's in black is what we are adding to your portfolio. Does that make sense?\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: You\n\nChannel 0: Can\n\nChannel 1: okay?\n\nChannel 0: you see those the the minus the minuses\n\nChannel 1: Yep.\n\nChannel 0: listed here? Yep. You then have the target weight next to it, so how much we are wanting in each option, and then, again, what that looks like from a dollar value. To make it as simple as possible, basically, what we are changing is that we are selling the first one all the way at the top, which is that Benelon Australian equity. That is that one investment I kind of touched on during the annual review that recently had been underperforming a little bit and that I wanted to do some more research on.\n\nIs that do you remember that briefly?\n\nChannel 1: Mhmm.\n\nChannel 0: Yeah. Perfect. So we are completely selling out of the Benelong, and instead, we are adding the BetaShares Australia 200 to your portfolio. It is another Australian investment. It is just changing for another one that has performed a bit better, is a little bit cheaper, and it is more diversified in that you are invested in 200 companies in the one option for giving you that diversification.\n\nWe're also swapping out one of your so the second investment to the top where it talks about the bank hybrids, that one is slowly being phased out. So we're just changing that one to another defensive investment. We are swapping some of your kind of your satellite investments, so the India investment and and health care. So these are the ones that have a higher allocation through your your kind of your more growth portfolios because they can fluctuate a little bit more. But because we are wanting to reduce the risk a little bit down, it is just, like, kind of filling out of them and instead looking at a bit of, like, infrastructure for you and shifting allocation in the other investments that you already have in your portfolio that's been kind of reallocating the percentage, just reducing risk a little bit for you.\n\nDoes that make sense, Peter? Yep. Do you have any questions in regards to any any of that?\n\nChannel 1: Yep. Yeah. No. Sort of a most of that's a bit over my head. So\n\nChannel 0: And and that's okay. But, basically, what it is, we're just changing some that has underperformed a little bit through some similar options,\n\nChannel 1: Yep.\n\nChannel 0: and we are then taking some out of your portfolio that can fluctuate a little bit more for a little bit more kind of little bit more defensive investments, essentially.\n\nChannel 1: Mhmm.\n\nChannel 0: For you, Peter. It should you have should have a little pie chart and a\n\nChannel 1: Yep.\n\nChannel 0: table again. Yep. What this looks like, it basically shows how much those growth and defensive investments. So in a balanced growth portfolio, we wanna aim for about seventy thirty. So 70 in growth, 30% in defensive.\n\nNow the column next to it, you can say existing. So that shows you that at the moment, you have about 81 in growth and then about 19.9 in defensive. The post portfolio, you can see, are a little bit less in growth and a little bit more in defensive, which is what we want because we wanna smooth out those fluctuations a little bit for you as you are getting closer to retirement, but still making sure we don't jeopardize the returns. So you can see that's reducing growth a little bit, increasing that as a defensive proportion just a little bit for you. Makes sense?\n\nBasically, it\n\nChannel 1: Yep.\n\nChannel 0: just\n\nChannel 1: I'll trust you.\n\nChannel 0: means that we are shifting to not taking on as much risk and fluctuation, and instead just having a little bit smoother, with with the market changes, essentially.\n\nChannel 1: Yep.\n\nChannel 0: Now that is essentially what the recommendation is when it comes to your super. So as you scroll through, you will see I've included some information in regards to setting up a will as well as making a nomination for power of attorney. It is something I always recommend everyone to consider. So I\n\nChannel 1: Yep.\n\nChannel 0: have included a lot of information in regards to that, but I'll let you have a read over that in your own time. It's all in there for you, though, the importance of it and couple of advantages and disadvantages in regards to making a nomination for power of attorney and the will. It's all\n\nChannel 1: Mhmm.\n\nChannel 0: in there for you. Now that just kind of summarizes everything. It talks about the fee structure again, which similar to our mention during the interview that is not changing in any way, shape, or form. So you would save exactly the same at that 1.65 from super, so no changes in regards to that. And if it was that you were happy to go ahead with these couple of little changes to your investments to reduce your your risk a little bit, there is no additional fees and charges at all in regards to that.\n\nIt is all part of that ongoing service for you.\n\nChannel 1: Yep.\n\nChannel 0: Yep. So, basically, from here, if you wanted to take some time to have a read over this document in your own time, you are more than welcome to do so. Alternatively, if you are happy to go ahead with the recommendation, which is just to stay in hub\n\nChannel 1: Mhmm.\n\nChannel 0: 24 and swap out some of the investments that underperformed a little bit through alternatives for you. To move forward, it would just be to sign this document at the bottom where you are, and then it will automatically send it back to me. And that tells me that you are happy and comfortable with the little\n\nChannel 1: Yep.\n\nChannel 0: change.\n\nChannel 1: Mhmm. Yeah. Would\n\nChannel 0: Perfect.\n\nChannel 1: anything any of this make any difference if because of cost me investment property, which is not doing much for investment that needs a bit of work done to it. Because you're saying now I'm 60 plus that I can access some of the funds without\n\nChannel 0: Yes.\n\nChannel 1: tech.\n\nChannel 0: Yes.\n\nChannel 1: If I access some of the funds to, like, to renovate the house to to get more money out of it, so it's doing what's doing what it's supposed to do for me. How\n\nChannel 0: Yep.\n\nChannel 1: would that affect me of this?\n\nChannel 0: It wouldn't change the recommendation. If anything, it will be good because we are reducing the risk. So if we were making drastic changes and depending on how much you wanted to take out. Now are you you're still working at the moment?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yeah. So the max you could take out if you wanted to was 10%. That will be tax free for you. Obviously, when you turn 60, obviously, you can take that out. So you still have a good even if you were to take out the 10 sorry, the 10% for renovations or whatever it is that you wanted to do with it, essentially, super as it is to grow for you.\n\nAnd by making the change, it is saving you in fees, which means that you will have more in there, and it's improving the returns for you. So if you wanna take out a little bit from your you. So if you wanna take out a little bit from your superannuation, that\n\nChannel 1: Yep.\n\nChannel 0: won't change the recommendations I have met. I would still go ahead with the same recommendation.\n\nChannel 1: Mhmm.\n\nChannel 0: If you were to if we were to do the opposite, let's say we went through super aggressive and you say, oh, I wanna take out some money in two weeks' time, then I would say, okay. Well, maybe we need to reassess it. Because if we put you in a super aggressive portfolio and you have a lot of fluctuations in the market and you wanna take out money when the market's down, that's not gonna help you.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Yeah.\n\nChannel 0: it's something\n\nChannel 1: Obviously.\n\nChannel 0: we are kind of\n\nChannel 1: Yep.\n\nChannel 0: reducing that risk. Does that make\n\nChannel 1: Yep.\n\nChannel 0: sense?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Yes. Do you have any other questions\n\nChannel 1: No. I'm not. No.\n\nChannel 0: for\n\nChannel 1: It's pretty\n\nChannel 0: me,\n\nChannel 1: good.\n\nChannel 0: Peter?\n\nChannel 1: Yeah.\n\nChannel 0: No?\n\nChannel 1: I was just\n\nChannel 0: Yep.\n\nChannel 1: so what if I do, I can take 10%. So it'll be 25,000 out of basically, I\n\nChannel 0: Yes.\n\nChannel 1: can get up to\n\nChannel 0: So\n\nChannel 1: three of tax.\n\nChannel 0: exactly. Yep. So if you're working, you can take up through 10% under that transition to retirement,\n\nChannel 1: Yeah. Yep.\n\nChannel 0: and we can help help you with that. And you can do it as a lump sum, or you could do it, like, as a as a weekly or whatever it is that you wanted\n\nChannel 1: Yeah.\n\nChannel 0: to do. I'll\n\nChannel 1: Awesome.\n\nChannel 0: give you definitely.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah. So if it's for renovation. So, yes, you can do that whenever you want to. If it's something that you want, just send us an email or you give us a call and say, hey. I wanna look at taking some money out to do some renovations, and\n\nChannel 1: Mhmm.\n\nChannel 0: then we can assist and help you with that.\n\nChannel 1: Yep. Yep. No.\n\nChannel 0: Yep.\n\nChannel 1: That's fine. I've probably\n\nChannel 0: Yep.\n\nChannel 1: just been thinking better since we spoke to last time. And so\n\nChannel 0: Yeah.\n\nChannel 1: I need to I need to make my investment property work for me.\n\nChannel 0: Yeah.\n\nChannel 1: I'm not\n\nChannel 0: And,\n\nChannel 1: doing any\n\nChannel 0: obviously, yeah, the option is there for you. Obviously, by taking money out, you'll have a little bit less, obviously, in there for retirement,\n\nChannel 1: yes. Yeah.\n\nChannel 0: But, obviously, the choice is there for you.\n\nChannel 1: Yeah. But the\n\nChannel 0: And\n\nChannel 1: investment\n\nChannel 0: yes.\n\nChannel 1: property will counteract that anyway. So\n\nChannel 0: Yeah. And like I said, it doesn't change the recommendations we have gone through today. It's quite\n\nChannel 1: Yep.\n\nChannel 0: minor just adjusting some of those investments. If it was going the other way or making drastic changes, then it could impact things for you, but but not what we have gone through today.\n\nChannel 1: Yep. Yep. Okay.\n\nChannel 0: Yeah. Okay. Beautiful. Well, I will leave that with you, Peter. Like I said, have a bit of a read over the document.\n\nChannel 1: Yep.\n\nChannel 0: Any questions, let me know. Otherwise, when you have a moment, if you are wanting to go ahead, if you could assign that document digitally, and then it will automatically send it back to me. And\n\nChannel 1: Yep.\n\nChannel 0: then I will let the team know to go ahead and make those couple of changes for you.\n\nChannel 1: Okay.\n\nChannel 0: Okay. Do\n\nChannel 1: Well,\n\nChannel 0: you have\n\nChannel 1: thank\n\nChannel 0: any questions\n\nChannel 1: you.\n\nChannel 0: before I let you go?\n\nChannel 1: Not so important.\n\nChannel 0: No? Okay. Beautiful. Well, thank you so much for your time today, Peter. And, anything else you need, don't hesitate to give me a call.\n\nChannel 1: Okay. Thank you.\n\nChannel 0: Okay. Thank you. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":1.28,"end":2.0,"sentiment":"neutral","sentiment_score":0.1841040402650833},{"text":"Is this Peter?","start":2.0,"end":2.8999999,"sentiment":"neutral","sentiment_score":0.10447403540213902}],"sentiment":"neutral","sentiment_score":0.13632603734731674,"channel":0,"num_words":5,"start":1.28,"end":2.8999999},{"sentences":[{"text":"Yeah.","start":2.6399999,"end":3.1399999,"sentiment":"neutral","sentiment_score":0.07073765993118286},{"text":"Yep.","start":3.4399998,"end":3.9399998,"sentiment":"neutral","sentiment_score":0.101744145154953}],"sentiment":"neutral","sentiment_score":0.08624090254306793,"channel":1,"num_words":2,"start":2.6399999,"end":3.9399998},{"sentences":[{"text":"This is Veronica from Financial.","start":4.0,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.13775724917650223},{"text":"How are you?","start":6.24,"end":7.06,"sentiment":"neutral","sentiment_score":0.12469537059466045}],"sentiment":"neutral","sentiment_score":0.13285904470831156,"channel":0,"num_words":8,"start":4.0,"end":7.06},{"sentences":[{"text":"Yeah.","start":7.12,"end":7.44,"sentiment":"neutral","sentiment_score":0.16322967410087583},{"text":"Good.","start":7.44,"end":7.68,"sentiment":"positive","sentiment_score":0.40125009417533875},{"text":"Thank you.","start":7.68,"end":8.34,"sentiment":"positive","sentiment_score":0.4302135705947876}],"sentiment":"positive","sentiment_score":0.35622672736644745,"channel":1,"num_words":4,"start":7.12,"end":8.34},{"sentences":[{"text":"Not good.","start":8.96,"end":9.86,"sentiment":"neutral","sentiment_score":-0.06696530431509018},{"text":"I had you booked in just to go over the research I did on your super investment.","start":10.4,"end":14.48,"sentiment":"neutral","sentiment_score":0.11437391204869046},{"text":"Does this also a good time","start":14.48,"end":15.705,"sentiment":"neutral","sentiment_score":0.14699838186303774}],"sentiment":"neutral","sentiment_score":0.10769664749503136,"channel":0,"num_words":25,"start":8.96,"end":15.705},{"sentences":[{"text":"Yeah.","start":15.825,"end":16.325,"sentiment":"neutral","sentiment_score":0.09648093581199646},{"text":"Yep.","start":16.865,"end":17.265,"sentiment":"neutral","sentiment_score":0.07272277772426605},{"text":"On.","start":17.265,"end":17.765,"sentiment":"neutral","sentiment_score":0.051972173154354095}],"sentiment":"neutral","sentiment_score":0.07372529556353886,"channel":1,"num_words":3,"start":15.825,"end":17.765},{"sentences":[{"text":"for you?","start":17.305,"end":17.625,"sentiment":"neutral","sentiment_score":0.047226835042238235},{"text":"Yes?","start":17.625,"end":18.125,"sentiment":"neutral","sentiment_score":0.08527441322803497},{"text":"Perfect.","start":18.505,"end":19.005,"sentiment":"positive","sentiment_score":0.34210509061813354},{"text":"Now, Peter, before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":19.545,"end":27.005001,"sentiment":"neutral","sentiment_score":0.05217252896520598}],"sentiment":"neutral","sentiment_score":0.061661712543079346,"channel":0,"num_words":33,"start":17.305,"end":27.005001},{"sentences":[{"text":"Yep.","start":28.705,"end":29.105,"sentiment":"neutral","sentiment_score":0.0601937472820282},{"text":"Yep.","start":29.105,"end":29.605,"sentiment":"neutral","sentiment_score":0.06425955891609192}],"sentiment":"neutral","sentiment_score":0.06222665309906006,"channel":1,"num_words":2,"start":28.705,"end":29.605},{"sentences":[{"text":"Yep.","start":29.705,"end":30.205,"sentiment":"neutral","sentiment_score":0.10488079488277437},{"text":"Perfect.","start":30.54,"end":30.94,"sentiment":"neutral","sentiment_score":0.2617013454437256},{"text":"And just for security purposes, just so that I can confirm I'm speaking with the right person, could I please just get you to confirm your full name, date of birth, and address, please?","start":30.94,"end":40.48,"sentiment":"neutral","sentiment_score":0.08923184258096359}],"sentiment":"neutral","sentiment_score":0.09445735522442394,"channel":0,"num_words":36,"start":29.705,"end":40.48},{"sentences":[{"text":"It's Peter Clark.","start":41.15,"end":43.73,"sentiment":"neutral","sentiment_score":0.013996621283392111}],"sentiment":"neutral","sentiment_score":0.013996621283392111,"channel":1,"num_words":3,"start":41.15,"end":43.73},{"sentences":[{"text":"Yep.","start":44.46,"end":44.865,"sentiment":"neutral","sentiment_score":0.02466842904686928}],"sentiment":"neutral","sentiment_score":0.02466842904686928,"channel":0,"num_words":1,"start":44.46,"end":44.865},{"sentences":[{"text":"Peter William Clark.","start":44.675,"end":45.735,"sentiment":"neutral","sentiment_score":0.023506455744306248},{"text":"First to the 6669 Brisbane Street 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essentially.","start":258.77,"end":268.78778,"sentiment":"neutral","sentiment_score":0.2227692633140378},{"text":"So that's kind of what that talks about.","start":268.78778,"end":272.23502,"sentiment":"neutral","sentiment_score":0.14166347030550241},{"text":"Makes 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else.","start":333.235,"end":344.2,"sentiment":"neutral","sentiment_score":0.01996845034537492},{"text":"Literally just focusing on those super investments today.","start":344.2,"end":347.34,"sentiment":"neutral","sentiment_score":0.09944012202322483}],"sentiment":"neutral","sentiment_score":0.05715146151028181,"channel":0,"num_words":38,"start":331.47498,"end":347.34},{"sentences":[{"text":"Mhmm.","start":348.36,"end":348.86,"sentiment":"neutral","sentiment_score":0.0130271278321743}],"sentiment":"neutral","sentiment_score":0.0130271278321743,"channel":1,"num_words":1,"start":348.36,"end":348.86},{"sentences":[{"text":"Now if you can scroll down for me, just keep scrolling until you get through page nine, and it talks about risk profile.","start":349.40002,"end":359.94498,"sentiment":"neutral","sentiment_score":0.010257091940097187},{"text":"And what you will see as scrolling through is just a couple of 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some of your kind of your satellite investments, so the India investment and and health care.","start":942.9,"end":951.265,"sentiment":"neutral","sentiment_score":0.14485087598624982},{"text":"So these are the ones that have a higher allocation through your your kind of your more growth portfolios because they can fluctuate a little bit more.","start":951.265,"end":960.165,"sentiment":"neutral","sentiment_score":0.1355058066546917},{"text":"But because we are wanting to reduce the risk a little bit down, it is just, like, kind of filling out of them and instead looking at a bit of, like, infrastructure for you and shifting allocation in the other investments that you already have in your portfolio that's been kind of reallocating the percentage, just reducing risk a little bit for you.","start":960.225,"end":986.19495,"sentiment":"positive","sentiment_score":0.4195953801510826}],"sentiment":"neutral","sentiment_score":0.2425477323280711,"channel":0,"num_words":147,"start":927.47504,"end":986.19495},{"sentences":[{"text":"Does that make sense, Peter?","start":986.19495,"end":987.65497,"sentiment":"neutral","sentiment_score":0.28567015528678896},{"text":"Yep.","start":989.39496,"end":989.89496,"sentiment":"neutral","sentiment_score":0.15008637309074402},{"text":"Do you have any questions in regards to any any of that?","start":990.05,"end":993.18994,"sentiment":"neutral","sentiment_score":0.11575207362572353}],"sentiment":"neutral","sentiment_score":0.16485900183518729,"channel":0,"num_words":18,"start":986.19495,"end":993.18994},{"sentences":[{"text":"Yep.","start":994.81,"end":995.31,"sentiment":"neutral","sentiment_score":0.10684743523597716},{"text":"Yeah.","start":996.25,"end":996.73004,"sentiment":"neutral","sentiment_score":0.10382165014743804},{"text":"No.","start":996.73004,"end":997.05005,"sentiment":"neutral","sentiment_score":0.016579236835241318},{"text":"Sort of a most of that's a bit over my head.","start":997.05005,"end":999.37,"sentiment":"neutral","sentiment_score":-0.026078548028387806},{"text":"So","start":999.37,"end":999.87,"sentiment":"neutral","sentiment_score":0.06053569167852402}],"sentiment":"neutral","sentiment_score":0.00006133237232764377,"channel":1,"num_words":15,"start":994.81,"end":999.87},{"sentences":[{"text":"And and that's okay.","start":1000.68994,"end":1001.81,"sentiment":"neutral","sentiment_score":0.14165138080716133},{"text":"But, basically, what it is, we're just changing some that has underperformed a little bit through some similar options,","start":1001.81,"end":1008.285,"sentiment":"neutral","sentiment_score":0.164904112094327}],"sentiment":"neutral","sentiment_score":0.16086015882699387,"channel":0,"num_words":23,"start":1000.68994,"end":1008.285},{"sentences":[{"text":"Yep.","start":1008.445,"end":1008.945,"sentiment":"neutral","sentiment_score":0.20644256472587583}],"sentiment":"neutral","sentiment_score":0.20644256472587583,"channel":1,"num_words":1,"start":1008.445,"end":1008.945},{"sentences":[{"text":"and we are then taking some out of your portfolio that can fluctuate a little bit more for a little bit more kind of little bit more defensive investments, essentially.","start":1008.585,"end":1017.165,"sentiment":"neutral","sentiment_score":0.12982352450489998}],"sentiment":"neutral","sentiment_score":0.12982352450489998,"channel":0,"num_words":30,"start":1008.585,"end":1017.165},{"sentences":[{"text":"Mhmm.","start":1019.24,"end":1019.74,"sentiment":"neutral","sentiment_score":0.0915163829922676}],"sentiment":"neutral","sentiment_score":0.0915163829922676,"channel":1,"num_words":1,"start":1019.24,"end":1019.74},{"sentences":[{"text":"For you, Peter.","start":1028.3301,"end":1029.31,"sentiment":"neutral","sentiment_score":0.10099250823259354},{"text":"It should you have should have a little pie chart and a","start":1029.4501,"end":1032.7749,"sentiment":"neutral","sentiment_score":0.1202558862666289}],"sentiment":"neutral","sentiment_score":0.11640321065982183,"channel":0,"num_words":15,"start":1028.3301,"end":1032.7749},{"sentences":[{"text":"Yep.","start":1032.585,"end":1033.085,"sentiment":"neutral","sentiment_score":0.09719912707805634}],"sentiment":"neutral","sentiment_score":0.09719912707805634,"channel":1,"num_words":1,"start":1032.585,"end":1033.085},{"sentences":[{"text":"table again.","start":1032.7749,"end":1033.6549,"sentiment":"neutral","sentiment_score":0.11900636553764343},{"text":"Yep.","start":1033.6549,"end":1034.1549,"sentiment":"neutral","sentiment_score":0.13382671773433685},{"text":"What this looks like, it basically shows how much those growth and defensive investments.","start":1034.615,"end":1039.975,"sentiment":"neutral","sentiment_score":0.1664417508457388},{"text":"So in a balanced growth portfolio, we wanna aim for about seventy thirty.","start":1039.975,"end":1045.44,"sentiment":"neutral","sentiment_score":0.2480693872158344},{"text":"So 70 in growth, 30% in defensive.","start":1046.3999,"end":1050.6599,"sentiment":"neutral","sentiment_score":0.18283982149192265}],"sentiment":"neutral","sentiment_score":0.19477850661889926,"channel":0,"num_words":37,"start":1032.7749,"end":1050.6599},{"sentences":[{"text":"Now the column next to it, you can say existing.","start":1051.36,"end":1054.24,"sentiment":"neutral","sentiment_score":0.11868174076080322},{"text":"So that shows you that at the moment, you have about 81 in growth and then about 19.9 in defensive.","start":1054.24,"end":1061.925,"sentiment":"neutral","sentiment_score":0.15378493145108224},{"text":"The post portfolio, you can see, are a little bit less in growth and a little bit more in defensive, which is what we want because we wanna smooth out those fluctuations a little bit for you as you are getting closer to retirement, but still making sure we don't jeopardize the returns.","start":1063.025,"end":1079.6201,"sentiment":"neutral","sentiment_score":0.1625264949112568},{"text":"So you can see that's reducing growth a little bit, increasing that as a defensive proportion just a little bit for you.","start":1079.92,"end":1088.8475,"sentiment":"positive","sentiment_score":0.3841645616022023},{"text":"Makes sense?","start":1089.3938,"end":1090.9401,"sentiment":"neutral","sentiment_score":0.2229362651705742}],"sentiment":"neutral","sentiment_score":0.2034945154440737,"channel":0,"num_words":107,"start":1051.36,"end":1090.9401},{"sentences":[{"text":"Basically, it","start":1091.4863,"end":1093.0325,"sentiment":"neutral","sentiment_score":0.2144712284207344}],"sentiment":"neutral","sentiment_score":0.2144712284207344,"channel":0,"num_words":2,"start":1091.4863,"end":1093.0325},{"sentences":[{"text":"Yep.","start":1093.4501,"end":1093.8501,"sentiment":"neutral","sentiment_score":0.29016807675361633}],"sentiment":"neutral","sentiment_score":0.29016807675361633,"channel":1,"num_words":1,"start":1093.4501,"end":1093.8501},{"sentences":[{"text":"just","start":1093.5787,"end":1094.0787,"sentiment":"neutral","sentiment_score":0.32973355054855347}],"sentiment":"neutral","sentiment_score":0.32973355054855347,"channel":0,"num_words":1,"start":1093.5787,"end":1094.0787},{"sentences":[{"text":"I'll trust you.","start":1093.8501,"end":1094.99,"sentiment":"neutral","sentiment_score":0.32510701815287274}],"sentiment":"neutral","sentiment_score":0.32510701815287274,"channel":1,"num_words":3,"start":1093.8501,"end":1094.99},{"sentences":[{"text":"means that we are shifting to not taking on as much risk and fluctuation, and instead just having a little bit smoother, with with the market changes, essentially.","start":1094.625,"end":1107.9501,"sentiment":"neutral","sentiment_score":0.22678926693541662}],"sentiment":"neutral","sentiment_score":0.22678926693541662,"channel":0,"num_words":28,"start":1094.625,"end":1107.9501},{"sentences":[{"text":"Yep.","start":1110.015,"end":1110.515,"sentiment":"neutral","sentiment_score":0.04887596517801285}],"sentiment":"neutral","sentiment_score":0.04887596517801285,"channel":1,"num_words":1,"start":1110.015,"end":1110.515},{"sentences":[{"text":"Now that is essentially what the recommendation is when it comes to your super.","start":1111.29,"end":1118.6449,"sentiment":"neutral","sentiment_score":0.17568846685545786},{"text":"So as you scroll through, you will see I've included some information in regards to setting up a will as well as making a nomination for power of attorney.","start":1118.865,"end":1129.11,"sentiment":"neutral","sentiment_score":0.197173109342312},{"text":"It is something I always recommend everyone to consider.","start":1129.67,"end":1132.89,"sentiment":"positive","sentiment_score":0.42479700843493146},{"text":"So I","start":1133.11,"end":1133.51,"sentiment":"neutral","sentiment_score":0.3202318996191025}],"sentiment":"neutral","sentiment_score":0.23409806633437122,"channel":0,"num_words":54,"start":1111.29,"end":1133.51},{"sentences":[{"text":"Yep.","start":1133.46,"end":1133.96,"sentiment":"neutral","sentiment_score":0.32853609323501587}],"sentiment":"neutral","sentiment_score":0.32853609323501587,"channel":1,"num_words":1,"start":1133.46,"end":1133.96},{"sentences":[{"text":"have included a lot of information in regards to that, but I'll let you have a read over that in your own time.","start":1133.51,"end":1140.41,"sentiment":"neutral","sentiment_score":0.19619896619216257},{"text":"It's all in there for you, though, the importance of it and couple of advantages and disadvantages in regards to making a nomination for power of attorney and the will.","start":1141.03,"end":1150.945,"sentiment":"neutral","sentiment_score":0.18862672137717407},{"text":"It's all","start":1151.325,"end":1151.885,"sentiment":"neutral","sentiment_score":0.12394353002309799}],"sentiment":"neutral","sentiment_score":0.18944118043238467,"channel":0,"num_words":55,"start":1133.51,"end":1151.885},{"sentences":[{"text":"Mhmm.","start":1151.655,"end":1152.155,"sentiment":"neutral","sentiment_score":0.1216198056936264}],"sentiment":"neutral","sentiment_score":0.1216198056936264,"channel":1,"num_words":1,"start":1151.655,"end":1152.155},{"sentences":[{"text":"in there for you.","start":1151.885,"end":1153.265,"sentiment":"neutral","sentiment_score":0.15162069350481033},{"text":"Now that just kind of summarizes everything.","start":1153.965,"end":1163.4299,"sentiment":"neutral","sentiment_score":0.1675640663930348},{"text":"It talks about the fee structure again, which similar to our mention during the interview that is not changing in any way, shape, or form.","start":1163.4299,"end":1170.01,"sentiment":"neutral","sentiment_score":0.14793989300727844},{"text":"So you would save exactly the same at that 1.65 from super, so no changes in regards to that.","start":1170.07,"end":1176.935,"sentiment":"positive","sentiment_score":0.4226754362645902},{"text":"And if it was that you were happy to go ahead with these couple of little changes to your investments to reduce your your risk a little bit, there is no additional fees and charges at all in regards to that.","start":1177.155,"end":1189.82,"sentiment":"positive","sentiment_score":0.49785605509106706}],"sentiment":"positive","sentiment_score":0.353342292830348,"channel":0,"num_words":96,"start":1151.885,"end":1189.82},{"sentences":[{"text":"It is all part of that ongoing service for 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any of this make any difference if because of cost me investment property, which is not doing much for investment that needs a bit of work done to it.","start":1237.11,"end":1248.025,"sentiment":"neutral","sentiment_score":-0.25990792984763783},{"text":"Because you're saying now I'm 60 plus that I can access some of the funds 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change the recommendation.","start":1275.11,"end":1276.995,"sentiment":"neutral","sentiment_score":-0.14962969869375228},{"text":"If anything, it will be good because we are reducing the risk.","start":1277.455,"end":1281.7949,"sentiment":"neutral","sentiment_score":0.30437959792713326},{"text":"So if we were making drastic changes and depending on how much you wanted to take out.","start":1282.1749,"end":1290.06,"sentiment":"neutral","sentiment_score":0.12669473185258753},{"text":"Now are you you're still working at the 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when you turn 60, obviously, you can take that out.","start":1303.42,"end":1308.905,"sentiment":"neutral","sentiment_score":0.1917853206396103},{"text":"So you still have a good even if you were to take out the 10 sorry, the 10% for renovations or whatever it is that you wanted to do with it, essentially, super as it is to grow for you.","start":1308.905,"end":1323.0399,"sentiment":"positive","sentiment_score":0.4791043732315302}],"sentiment":"positive","sentiment_score":0.356635093378524,"channel":0,"num_words":72,"start":1294.38,"end":1323.0399},{"sentences":[{"text":"And by making the change, it is saving you in fees, which means that you will have more in there, and it's improving the returns for you.","start":1323.0399,"end":1330.96,"sentiment":"positive","sentiment_score":0.6723329314479122},{"text":"So if you wanna take out a little bit from your you.","start":1330.96,"end":1331.8151,"sentiment":"neutral","sentiment_score":0.11076476393888395},{"text":"So if you wanna take out a 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recommendation.","start":1339.895,"end":1341.995,"sentiment":"neutral","sentiment_score":0.09357173326942655}],"sentiment":"neutral","sentiment_score":0.028105902252718806,"channel":0,"num_words":16,"start":1337.255,"end":1341.995},{"sentences":[{"text":"Mhmm.","start":1342.865,"end":1343.365,"sentiment":"neutral","sentiment_score":-0.024412743747234344}],"sentiment":"neutral","sentiment_score":-0.024412743747234344,"channel":1,"num_words":1,"start":1342.865,"end":1343.365},{"sentences":[{"text":"If you were to if we were to do the opposite, let's say we went through super aggressive and you say, oh, I wanna take out some money in two weeks' time, then I would say, okay.","start":1343.8151,"end":1354.06,"sentiment":"neutral","sentiment_score":-0.08984046550215902},{"text":"Well, maybe we need to reassess it.","start":1354.06,"end":1355.66,"sentiment":"neutral","sentiment_score":-0.10044550895690918},{"text":"Because if we put you in a super aggressive portfolio and you have a lot of 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I will leave that with you, Peter.","start":1469.465,"end":1471.0651,"sentiment":"neutral","sentiment_score":0.1919910293072462},{"text":"Like I said, have a bit of a read over the document.","start":1471.0651,"end":1473.405,"sentiment":"neutral","sentiment_score":0.1324807877341906}],"sentiment":"neutral","sentiment_score":0.18119259502576746,"channel":0,"num_words":23,"start":1467.87,"end":1473.405},{"sentences":[{"text":"Yep.","start":1473.85,"end":1474.35,"sentiment":"neutral","sentiment_score":0.11824901401996613}],"sentiment":"neutral","sentiment_score":0.11824901401996613,"channel":1,"num_words":1,"start":1473.85,"end":1474.35},{"sentences":[{"text":"Any questions, let me know.","start":1473.9451,"end":1475.625,"sentiment":"neutral","sentiment_score":0.10149597319541499},{"text":"Otherwise, when you have a moment, if you are wanting to go ahead, if you could assign that document digitally, and then it will automatically send it back to me.","start":1475.785,"end":1483.6499,"sentiment":"neutral","sentiment_score":0.11047692410647869},{"text":"And","start":1483.8899,"end":1484.13,"sentiment":"neutral","sentiment_score":0.17975671589374542}],"sentiment":"neutral","sentiment_score":0.11115400847403281,"channel":0,"num_words":36,"start":1473.9451,"end":1484.13},{"sentences":[{"text":"Yep.","start":1484.125,"end":1484.625,"sentiment":"neutral","sentiment_score":0.13123512268066406}],"sentiment":"neutral","sentiment_score":0.13123512268066406,"channel":1,"num_words":1,"start":1484.125,"end":1484.625},{"sentences":[{"text":"then I will let the team know to go ahead and make those couple of changes for you.","start":1484.13,"end":1488.1499,"sentiment":"neutral","sentiment_score":0.31429873448279166}],"sentiment":"neutral","sentiment_score":0.31429873448279166,"channel":0,"num_words":18,"start":1484.13,"end":1488.1499},{"sentences":[{"text":"Okay.","start":1488.205,"end":1488.705,"sentiment":"neutral","sentiment_score":0.14196094870567322}],"sentiment":"neutral","sentiment_score":0.14196094870567322,"channel":1,"num_words":1,"start":1488.205,"end":1488.705},{"sentences":[{"text":"Okay.","start":1489.4099,"end":1489.9099,"sentiment":"neutral","sentiment_score":0.10725222527980804},{"text":"Do","start":1490.0499,"end":1490.21,"sentiment":"neutral","sentiment_score":0.14908112585544586}],"sentiment":"neutral","sentiment_score":0.12816667556762695,"channel":0,"num_words":2,"start":1489.4099,"end":1490.21},{"sentences":[{"text":"Well,","start":1490.11,"end":1490.35,"sentiment":"neutral","sentiment_score":0.15834273397922516}],"sentiment":"neutral","sentiment_score":0.15834273397922516,"channel":1,"num_words":1,"start":1490.11,"end":1490.35},{"sentences":[{"text":"you have","start":1490.21,"end":1490.45,"sentiment":"neutral","sentiment_score":0.2696947753429413}],"sentiment":"neutral","sentiment_score":0.2696947753429413,"channel":0,"num_words":2,"start":1490.21,"end":1490.45},{"sentences":[{"text":"thank","start":1490.35,"end":1490.75,"sentiment":"positive","sentiment_score":0.431372195482254}],"sentiment":"positive","sentiment_score":0.431372195482254,"channel":1,"num_words":1,"start":1490.35,"end":1490.75},{"sentences":[{"text":"any questions","start":1490.45,"end":1491.01,"sentiment":"neutral","sentiment_score":0.23134808242321014}],"sentiment":"neutral","sentiment_score":0.23134808242321014,"channel":0,"num_words":2,"start":1490.45,"end":1491.01},{"sentences":[{"text":"you.","start":1490.75,"end":1491.25,"sentiment":"neutral","sentiment_score":0.12600703537464142}],"sentiment":"neutral","sentiment_score":0.12600703537464142,"channel":1,"num_words":1,"start":1490.75,"end":1491.25},{"sentences":[{"text":"before I let you go?","start":1491.01,"end":1492.3899,"sentiment":"neutral","sentiment_score":0.010636331886053086}],"sentiment":"neutral","sentiment_score":0.010636331886053086,"channel":0,"num_words":5,"start":1491.01,"end":1492.3899},{"sentences":[{"text":"Not so important.","start":1492.59,"end":1493.65,"sentiment":"neutral","sentiment_score":-0.18901207049687704}],"sentiment":"neutral","sentiment_score":-0.18901207049687704,"channel":1,"num_words":3,"start":1492.59,"end":1493.65},{"sentences":[{"text":"No?","start":1493.6499,"end":1494.1499,"sentiment":"neutral","sentiment_score":-0.08840689063072205},{"text":"Okay.","start":1494.21,"end":1494.5299,"sentiment":"neutral","sentiment_score":0.15542179346084595},{"text":"Beautiful.","start":1494.5299,"end":1495.01,"sentiment":"positive","sentiment_score":0.6335632801055908},{"text":"Well, thank you so much for your time today, Peter.","start":1495.01,"end":1497.01,"sentiment":"positive","sentiment_score":0.777303409576416},{"text":"And, anything else you need, don't hesitate to give me a call.","start":1497.01,"end":1500.299,"sentiment":"positive","sentiment_score":0.3647754304111004}],"sentiment":"positive","sentiment_score":0.5140366977453232,"channel":0,"num_words":25,"start":1493.6499,"end":1500.299},{"sentences":[{"text":"Okay.","start":1500.11,"end":1500.4299,"sentiment":"positive","sentiment_score":0.3582724928855896},{"text":"Thank you.","start":1500.4299,"end":1501.0289,"sentiment":"positive","sentiment_score":0.6410123705863953}],"sentiment":"positive","sentiment_score":0.5467657446861267,"channel":1,"num_words":3,"start":1500.11,"end":1501.0289},{"sentences":[{"text":"Okay.","start":1501.3188,"end":1501.7189,"sentiment":"positive","sentiment_score":0.3739221394062042},{"text":"Thank you.","start":1501.7189,"end":1502.3589,"sentiment":"positive","sentiment_score":0.6472433805465698},{"text":"Bye.","start":1502.3589,"end":1502.8589,"sentiment":"positive","sentiment_score":0.3720497488975525}],"sentiment":"positive","sentiment_score":0.5101146623492241,"channel":0,"num_words":4,"start":1501.3188,"end":1502.8589},{"sentences":[{"text":"Bye.","start":1502.789,"end":1503.289,"sentiment":"neutral","sentiment_score":-0.12883764505386353}],"sentiment":"neutral","sentiment_score":-0.12883764505386353,"channel":1,"num_words":1,"start":1502.789,"end":1503.289}]},"summary":{"result":"success","short":"The representative from Financial guides the customer through a recommendation process on risk profiles and emphasizes the importance of acting in one's best interest. They recommend a balanced growth portfolio and explain that the under review was for research on investment portfolios. The agent recommends changing some investments to make it more affordable and explains that the recommendation is still in place. The agent emphasizes setting up a will and offers to assist with the process, and the customer can take out a small amount of money to renovate their property to reduce risk. The agent also explains that the risk reduction is not a result of taking out money and offers to assist with the process."},"intents":{"segments":[{"text":"And just for security purposes, just so that I can confirm I'm speaking with the right person, could I please just get you to confirm your full name, date of birth, and address, please? It's Peter Clark.","start_word":84,"end_word":120,"intents":[{"intent":"Confirm identity","confidence_score":0.011581007}]},{"text":"But every time we do make a recommendation, we have to put everything in the statement of advice for you just to make sure you fully understand everything. A lot of it is just the compliance, and it is pretty straightforward today. So I'll tryna just go through the main points for you, but that's all in here just to make sure you fully understand everything. Does that make sense? Yep.","start_word":457,"end_word":527,"intents":[{"intent":"Provide recommendation","confidence_score":0.025340678}]},{"text":"So I'll tryna just go through the main points for you, but that's all in here just to make sure you fully understand everything. Does that make sense? Yep.","start_word":499,"end_word":527,"intents":[{"intent":"Ensure understanding","confidence_score":0.037617568}]},{"text":"Now you will see that this has been tailored specifically to you. And on the cover page, you can also see my details. You can see my authorized representative number listed, and I am licensed under both of you financials. Now if you go to the second page, can you see where it says best interest duty?","start_word":530,"end_word":586,"intents":[{"intent":"Provide information","confidence_score":0.039788723}]},{"text":"So, basically, the main purpose of following the under review was for me to do some research on your super investments, look at potentially reducing risk just a little bit as you are getting closer to retirement just from growth down to one step, if it was going to be good for you just to turn up limit fluctuations a little bit, but still making sure we focus on a steady growth. Do you remember that conversation?","start_word":844,"end_word":920,"intents":[{"intent":"Discuss super investments and potential recommendations","confidence_score":0.0005146273}]},{"text":"So if you can scroll down for me until page 14, you should have a fee comparison table kind of outlining this change. 12. Four nine.","start_word":1137,"end_word":1162,"intents":[{"intent":"Show comparison","confidence_score":0.0003512602}]},{"text":"So what I have done is I have recommended that you stay in hub twenty four.","start_word":1196,"end_word":1211,"intents":[{"intent":"Recommend staying in hub twenty four","confidence_score":0.5209786},{"intent":"Recommend staying in hub twenty four","confidence_score":0.18785593},{"intent":"Recommend staying in hub twenty four","confidence_score":0.25976402},{"intent":"Recommend staying in hub twenty four","confidence_score":0.20560852}]},{"text":"what that actually looks like so what you can see here is the second column should say your current. Can you see that?","start_word":1309,"end_word":1331,"intents":[{"intent":"Discuss current situation","confidence_score":0.19088313},{"intent":"Provide information on current situation","confidence_score":0.0030142115}]},{"text":"So that outlines your current situation. It shows you all the fees associated with the account, contributions and everything going in. And then at the bottom, it shows you your total cost, and it also shows you your five year rolling average on your current investment portfolio. So can you see where it says growth, and then it says 10.01%? Yeah.","start_word":1334,"end_word":1394,"intents":[{"intent":"Explain current situation","confidence_score":0.047518216}]},{"text":"Now what this actually looks like is by making a couple of investment changes for you and reducing your risk and fluctuation, it is actually saving you about $442 per year in investment fees alone, which does add Okay.","start_word":1601,"end_word":1639,"intents":[{"intent":"Educate about investment benefits","confidence_score":0.008358434}]},{"text":"So similar to, like, an investment property. If you sell it, you'll have to pay tax on the earning. The Yeah.","start_word":1825,"end_word":1845,"intents":[{"intent":"Discuss investments","confidence_score":0.002889112}]},{"text":"So we are completely selling out of the Benelong, and instead, we are adding the BetaShares Australia 200 to your portfolio. It is another Australian investment. It is just changing for another one that has performed a bit better, is a little bit cheaper, and it is more diversified in that you are invested in 200 companies in the one option for giving you that diversification.","start_word":2405,"end_word":2470,"intents":[{"intent":"Evaluate portfolio diversification","confidence_score":0.056988973}]},{"text":"But because we are wanting to reduce the risk a little bit down, it is just, like, kind of filling out of them and instead looking at a bit of, like, infrastructure for you and shifting allocation in the other investments that you already have in your portfolio that's been kind of reallocating the percentage, just reducing risk a little bit for you.","start_word":2556,"end_word":2618,"intents":[{"intent":"Reduce risk","confidence_score":0.67709893},{"intent":"Reallocate investment","confidence_score":0.00072002894}]},{"text":"But, basically, what it is, we're just changing some that has underperformed a little bit through some similar options, Yep.","start_word":2655,"end_word":2674,"intents":[{"intent":"Evaluate portfolio performance","confidence_score":0.003046836}]},{"text":"But, basically, what it is, we're just changing some that has underperformed a little bit through some similar options, Yep. and we are then taking some out of your portfolio that can fluctuate a little bit more for a little bit more kind of little bit more defensive investments, essentially. Mhmm.","start_word":2655,"end_word":2705,"intents":[{"intent":"Adjust portfolio components","confidence_score":0.0014166867}]},{"text":"The post portfolio, you can see, are a little bit less in growth and a little bit more in defensive, which is what we want because we wanna smooth out those fluctuations a little bit for you as you are getting closer to retirement, but still making sure we don't jeopardize the returns.","start_word":2789,"end_word":2841,"intents":[{"intent":"Smooth fluctuations","confidence_score":0.42929816}]},{"text":"So you can see that's reducing growth a little bit, increasing that as a defensive proportion just a little bit for you. Makes sense?","start_word":2842,"end_word":2865,"intents":[{"intent":"Assess returns","confidence_score":0.01660458}]},{"text":"It talks about the fee structure again, which similar to our mention during the interview that is not changing in any way, shape, or form.","start_word":3024,"end_word":3048,"intents":[{"intent":"Discuss fee structure","confidence_score":0.1082906},{"intent":"Discuss documents","confidence_score":0.009886516}]},{"text":"It talks about the fee structure again, which similar to our mention during the interview that is not changing in any way, shape, or form. So you would save exactly the same at that 1.65 from super, so no changes in regards to that. And if it was that you were happy to go ahead with these couple of little changes to your investments to reduce your your risk a little bit, there is no additional fees and charges at all in regards to that.","start_word":3024,"end_word":3108,"intents":[{"intent":"Discuss investments","confidence_score":0.068664275},{"intent":"Discuss risk reduction","confidence_score":0.0007262284}]},{"text":"So you would save exactly the same at that 1.65 from super, so no changes in regards to that.","start_word":3049,"end_word":3067,"intents":[{"intent":"Discuss savings","confidence_score":0.022541374}]},{"text":"If anything, it will be good because we are reducing the risk.","start_word":3328,"end_word":3339,"intents":[{"intent":"Reduce risk","confidence_score":0.25192627},{"intent":"Reduce risk","confidence_score":0.50129896}]},{"text":"So you still have a good even if you were to take out the 10 sorry, the 10% for renovations or whatever it is that you wanted to do with it, essentially, super as it is to grow for you. And by making the change, it is saving you in fees, which means that you will have more in there, and it's improving the returns for you.","start_word":3400,"end_word":3466,"intents":[{"intent":"Grow","confidence_score":0.13857315}]},{"text":"Well, maybe we need to reassess it. Because if we put you in a super aggressive portfolio and you have a lot of fluctuations in the market and you wanna take out money when the market's down, that's not gonna help you. Yeah. So Yeah.","start_word":3547,"end_word":3591,"intents":[{"intent":"Reassess portfolio","confidence_score":0.24252132}]},{"text":"so what if I do, I can take 10%. So it'll be 25,000 out of basically, I Yes.","start_word":3633,"end_word":3650,"intents":[{"intent":"Obtain retirement benefit","confidence_score":0.000009729958}]},{"text":"So if you're working, you can take up through 10% under that transition to retirement, Yeah.","start_word":3661,"end_word":3676,"intents":[{"intent":"Help with retirement transition","confidence_score":0.019531187}]},{"text":"I need to I need to make my investment property work for me. Yeah.","start_word":3804,"end_word":3817,"intents":[{"intent":"Assist with investment property recommendations","confidence_score":0.008040031}]},{"text":"Well, I will leave that with you, Peter. Like I said, have a bit of a read over the document. Yep.","start_word":3927,"end_word":3947,"intents":[{"intent":"Follow through document","confidence_score":0.00005386703}]}]},"sentiments":{"segments":[{"text":"Good afternoon. Is this Peter? Yeah. Yep. This is Veronica from Financial. How are you? Yeah.","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.1286752223968506},{"text":"Good. Thank you.","start_word":16,"end_word":18,"sentiment":"positive","sentiment_score":0.41160449385643005},{"text":"Not good. I had you booked in just to go over the research I did on your super investment. Does this also a good time Yeah. Yep. On. for you? Yes?","start_word":19,"end_word":49,"sentiment":"neutral","sentiment_score":0.09373175352811812},{"text":"Perfect.","start_word":50,"end_word":50,"sentiment":"positive","sentiment_score":0.34210509061813354},{"text":"Now, Peter, before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. Yep. Yep. Perfect. And just for security purposes, just so that I can confirm I'm speaking with the right person, could I please just get you to confirm your full name, date of birth, and address, please? It's Peter Clark. Yep. Peter William Clark. First to the 6669 Brisbane Street Lane. Perfect. And how's your day been? Been busy? Yeah. Very cold and weather. Yeah. And rain. Yes. Same here same here. Same here today. No, Peter. I will try not to keep you on the phone for too long. It is pretty Can straightforward I just today. stop you a few seconds? I'll put you on speaker because this phone got rolled out. Sure. You there? Yep. Can you hear me okay? Yeah. Yep. Perfect. Now, Peter, do you have access to your emails at the moment or or not really right now? Yeah. I think I can. Yeah.","start_word":51,"end_word":230,"sentiment":"neutral","sentiment_score":0.021480610594153404},{"text":"That would be great because I have just sent you an email with the recommendations to go through with you quickly, and it just makes it a bit easier for you if you can get that up at the same time.","start_word":231,"end_word":271,"sentiment":"positive","sentiment_score":0.3805859684944153},{"text":"Sorry. Let me know if that email came through okay to you. Yeah. I've got the email here. Okay.","start_word":272,"end_word":290,"sentiment":"neutral","sentiment_score":0.03806439787149429},{"text":"Beautiful.","start_word":291,"end_word":291,"sentiment":"positive","sentiment_score":0.39451831579208374},{"text":"Now if you can open that email for me, now it will say same as it did for under review. I think it says click now to sign. It doesn't mean that it will ask you to sign right away, but by clicking the link, it will just allow you to open up and look at the recommendations Yeah. first. Yeah. I was looking to say where I put it. It says Just oh, request my god. It's a signature on the document. Sign. And then it goes sign document. So is that open document? yes. Correct. If you click on that link, it should then open up the actual attachments first. I don't know. We got it Yep.","start_word":292,"end_word":410,"sentiment":"neutral","sentiment_score":0.0682871975004673},{"text":"Perfect.","start_word":411,"end_word":411,"sentiment":"positive","sentiment_score":0.5092166662216187},{"text":"So can you see that cover page where it says prepared for Peter Clark? And there's, like, a pretty photo of the Gold Coast in the back there. Yep. Yeah. Okay.","start_word":412,"end_word":442,"sentiment":"neutral","sentiment_score":0.1436181515455246},{"text":"Perfect. Now, Peter, like I said, I'll try to make it quick for you.","start_word":443,"end_word":456,"sentiment":"positive","sentiment_score":0.3640753626823426},{"text":"But every time we do make a recommendation, we have to put everything in the statement of advice for you just to make sure you fully understand everything.","start_word":457,"end_word":484,"sentiment":"neutral","sentiment_score":0.22286802530288696},{"text":"A lot of it is just the compliance, and it is pretty straightforward today.","start_word":485,"end_word":498,"sentiment":"positive","sentiment_score":0.3848312497138977},{"text":"So I'll tryna just go through the main points for you, but that's all in here just to make sure you fully understand everything. Does that make sense? Yep. Yep.","start_word":499,"end_word":528,"sentiment":"neutral","sentiment_score":0.21036946773529053},{"text":"Perfect.","start_word":529,"end_word":529,"sentiment":"positive","sentiment_score":0.44214481115341187},{"text":"Now you will see that this has been tailored specifically to you. And on the cover page, you can also see my details. You can see my authorized representative number listed, and I am licensed under both of you financials. Now if you go to the second page, can you see where it says best interest duty? The best interest duty. Yep. Yep. Based. Have you ever heard of this before, Peter? No. No. Basically, what it means is that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendations. Does that make sense? Sorry. I just lost you for a minute then. Cool. No worries. Did you hear any of that, or do you want me to just repeat Not that it? last bit. No. No. I'm not So, getting basically a pretty loud signal. I got you on speaker and I don't know much okay. better than Let that. me see if let me see if I can turn that up for you if it's my end. Just just ask me to repeat if you can't hear anything. Okay? Okay. Yep.","start_word":530,"end_word":738,"sentiment":"neutral","sentiment_score":-0.04804713189887088},{"text":"Perfect.","start_word":739,"end_word":739,"sentiment":"positive","sentiment_score":0.5960666537284851},{"text":"Basically, there's a lot of legislation in place to protect you and that we always have to act in your best interest and that the advice has to put you in a better position as a result of the advice, essentially. So that's kind of what that talks about. Makes sense? Yep. Yep.","start_word":740,"end_word":792,"sentiment":"neutral","sentiment_score":0.19510288536548617},{"text":"Perfect.","start_word":793,"end_word":793,"sentiment":"positive","sentiment_score":0.4218497276306152},{"text":"Now if you can scroll down through page three for me, it should Mhmm. say scope of advice. It's table of contents. Page two. Yep. So next after Yeah. Got that.","start_word":794,"end_word":824,"sentiment":"neutral","sentiment_score":0.10005971044301988},{"text":"the good voice.","start_word":825,"end_word":827,"sentiment":"positive","sentiment_score":0.3509935438632965},{"text":"Yes. Yep.","start_word":828,"end_word":829,"sentiment":"neutral","sentiment_score":0.2519320845603943},{"text":"Perfect.","start_word":830,"end_word":830,"sentiment":"positive","sentiment_score":0.5296350717544556},{"text":"Basically, what this talks about is the areas we are looking at today. So, basically, the main purpose of following the under review was for me to do some research on your super investments, look at potentially reducing risk just a little bit as you are getting closer to retirement just from growth down to one step, if it was going to be good for you just to turn up limit fluctuations a little bit, but still making sure we focus on a steady growth. Do you remember that conversation? Yeah. Yeah. Okay.","start_word":831,"end_word":923,"sentiment":"neutral","sentiment_score":0.1883174479007721},{"text":"Beautiful.","start_word":924,"end_word":924,"sentiment":"positive","sentiment_score":0.4724482297897339},{"text":"Otherwise, I have also just included some information in regards to estate planning for you, but we are not making any recommendations on insurances or anything else. Literally just focusing on those super investments today. Mhmm. Now if you can scroll down for me, just keep scrolling until you get through page nine, and it talks about risk profile. And what you will see as scrolling through is just a couple of pages. You'll see some personal information in regards to you, your assets that we kind of touched on during the annual review, and then that should take you to your risk profile. Yep. It should be yeah.","start_word":925,"end_word":1033,"sentiment":"neutral","sentiment_score":0.05375769361853599},{"text":"Perfect.","start_word":1034,"end_word":1034,"sentiment":"positive","sentiment_score":0.47485700249671936},{"text":"So do you remember doing the under review, we went through that little kind of questionnaire to see how you feel about market fluctuations and time until retirement and stuff like that? Mhmm. Yep.","start_word":1035,"end_word":1068,"sentiment":"neutral","sentiment_score":0.0991416722536087},{"text":"Perfect. So So you did come out as a balanced growth investor, which is very suitable for kind of where you are at at the moment with your goals and time frames until retirement. So what I have recommended today is that balanced growth portfolio, and I will show you shortly what that actually looks like and how it changes things for you in regards to your superannuation.","start_word":1069,"end_word":1136,"sentiment":"positive","sentiment_score":0.5009490356725805},{"text":"So if you can scroll down for me until page 14, you should have a fee comparison table kind of outlining this change. 12. Four nine. There should be, Yeah. like, Alright. a a big table with numbers and everything. Mhmm. Yep.","start_word":1137,"end_word":1178,"sentiment":"neutral","sentiment_score":0.13641273975372314},{"text":"Perfect.","start_word":1179,"end_word":1179,"sentiment":"positive","sentiment_score":0.5166100263595581},{"text":"So this basically summarizes the recommendation and kind of the pages that you did scroll through. So what I have done is I have recommended that you stay in hub twenty four. So part of the research is also considering a lot of other super funds just to make sure the hub twenty four is still the best option for you because there's always new products and features that comes out. So it is important to reassess just to make sure it's still the best super fund for you. And after doing research, it's still very competitive when it comes to fees and features and investment choices. So I have recommended that we stay in Hub 24 and just change some of those investments around for you. Now Okay. what that actually looks like so what you can see here is the second column should say your current. Can you see that? Yep. Yep. So that outlines your current situation. It shows you all the fees associated with the account, contributions and everything going in. And then at the bottom, it shows you your total cost, and it also shows you your five year rolling average on your current investment portfolio. So can you see where it says growth, and then it says 10.01%? Yeah. I'm trying Kind to open of at it the up. bottom. It keeps pulling up on me. So I was No. That's okay. Take your yep. time. Right. So let's just replace that mask a little bit. Yeah. So can you see on this page where it says your five year rolling average, and it shows you 10.01 under the column where it says current? Yeah. Right. Yep. Yep.","start_word":1180,"end_word":1463,"sentiment":"neutral","sentiment_score":0.12532545384806645},{"text":"Perfect.","start_word":1464,"end_word":1464,"sentiment":"positive","sentiment_score":0.6514489650726318},{"text":"Basically, what this shows that that is your five year rolling average on your current growth portfolio. Now the reason we use a five year rolling average, so it's using a five year period and averaging it out each year, is to give us a little bit more certainty of what has happened in the portfolio and the market. Because some sometimes for some years, you would have it's been really good, and other years, not so good depending on what's happening in the market. So that's why we are wanting to use a five year period and averaging it out to give us a Mhmm. Yep. little bit more sense. Does that make Mhmm. sense? Yep. Yep.","start_word":1465,"end_word":1582,"sentiment":"neutral","sentiment_score":0.16124288737773895},{"text":"Perfect.","start_word":1583,"end_word":1583,"sentiment":"positive","sentiment_score":0.5086171627044678},{"text":"So what I have recommended is then on the other side, so the column next to it.","start_word":1584,"end_word":1600,"sentiment":"neutral","sentiment_score":0.2740853428840637},{"text":"Now what this actually looks like is by making a couple of investment changes for you and reducing your risk and fluctuation, it is actually saving you about $442 per year in investment fees alone, which does add Okay.","start_word":1601,"end_word":1639,"sentiment":"positive","sentiment_score":0.4390657842159271},{"text":"Yep. up. Yep.","start_word":1640,"end_word":1642,"sentiment":"neutral","sentiment_score":0.28259992599487305},{"text":"Yeah. So it makes it a little bit cheaper for you, which is great. Obviously, less fees you have coming out in super means you Mhmm. have more money being invested and more for you at the end of it when you do retire. That's correct. Now now you can then also see the return. So even though we are reducing your risk down through a balanced growth, the performance when we are looking at the same five year period has actually improved, which is really good because we are taking on less risk and fluctuations, and it's Mhmm.","start_word":1643,"end_word":1741,"sentiment":"positive","sentiment_score":0.44255757331848145},{"text":"still seeing a bit of performance increase. So it's Yep. a difference by about 0.68%. It still makes a difference, though, when we are compounding things for you, and also means that if you do decide to take any money out sooner, then you're not gonna have those same kind of fluctuations. Mhmm. Now the good thing as well is that sometimes when we do make changes to investments, there will be some capital gains tax associated when you sell an investment. So similar to, like, an investment property. If you sell it, you'll have to pay tax on the earning. The Yeah. same applies in the super environment. It all takes place within your super for you, so it's not something you'd have to worry about yourself or declare on tax returns or anything like that. And it does change on a daily, obviously, depending on the prices of the investments. But when we did the research for you, Peter, it showed that the the couple of investment changes we have recommended, it is estimated to trigger no capital gains tax, which is great.","start_word":1742,"end_word":1926,"sentiment":"neutral","sentiment_score":0.19121510652271476},{"text":"Okay. That sounds good. Yep. That's good.","start_word":1927,"end_word":1933,"sentiment":"positive","sentiment_score":0.4802556335926056},{"text":"Now at the bottom of that table, you can then kind of see things forecasted five and ten years for you. Just to show you that saving a little bit in fees, improving those returns and fluctuations a little bit for you, it still makes it still makes a difference, same. Okay. Yep. Yep.","start_word":1934,"end_word":1987,"sentiment":"neutral","sentiment_score":0.2803705334663391},{"text":"Perfect.","start_word":1988,"end_word":1988,"sentiment":"positive","sentiment_score":0.499581515789032},{"text":"Does that all make sense so far? Any questions? Hey, helping, sir. Yep. Okay.","start_word":1989,"end_word":2002,"sentiment":"neutral","sentiment_score":0.19057096540927887},{"text":"Perfect.","start_word":2003,"end_word":2003,"sentiment":"positive","sentiment_score":0.336061030626297},{"text":"Now on the next page, you should see another table where it talks about investment returns a little bit more. Next page is what Should we're on? be page 15. fifth 15. Yes. Can you see that little table? It says twelve months, three, five, and Yeah. ten years. Yep. Yeah. And that just shows you a little bit longer period of time between the portfolios as well. So you can actually see that twelve months, three years, and five years, the recommended portfolio has performed better than your current portfolio. When we are looking at a ten year time frame, the current has performed a little bit better, which is expected when you are seeing a lot more fluctuations in the short term.","start_word":2004,"end_word":2127,"sentiment":"neutral","sentiment_score":0.10845500230789185},{"text":"But even when we're looking at five and three years, the recommended has still outperformed, which is great.","start_word":2128,"end_word":2145,"sentiment":"positive","sentiment_score":0.3646004796028137},{"text":"Mhmm. Yep. Now what that actually looks like in terms of the investment changes is the following page, so page 16. Yep. Now this might look a little bit messy. Basically, what it is, it is showing the changes we are wanting to do to your investments. So the first column you have, basically, what the investment is called. The column next to it, you have the kind of special little code. You then have a current weight, so how much you currently have in that one investment option. Basically, what that looks like from the dollar value, and then you have the buy and sell column. Now on this column, everything that is in red is what we are looking at selling, and what's in black is what we are adding to your portfolio. Does that make sense? Yeah. Yep. You Can okay? you see those the the minus the minuses Yep. listed here? Yep. You then have the target weight next to it, so how much we are wanting in each option, and then, again, what that looks like from a dollar value. To make it as simple as possible, basically, what we are changing is that we are selling the first one all the way at the top, which is that Benelon Australian equity. That is that one investment I kind of touched on during the annual review that recently had been underperforming a little bit and that I wanted to do some more research on. Is that do you remember that briefly? Mhmm. Yeah.","start_word":2146,"end_word":2403,"sentiment":"neutral","sentiment_score":0.03976488986157256},{"text":"Perfect.","start_word":2404,"end_word":2404,"sentiment":"positive","sentiment_score":0.5362365245819092},{"text":"So we are completely selling out of the Benelong, and instead, we are adding the BetaShares Australia 200 to your portfolio.","start_word":2405,"end_word":2425,"sentiment":"neutral","sentiment_score":0.24150602519512177},{"text":"It is another Australian investment.","start_word":2426,"end_word":2430,"sentiment":"positive","sentiment_score":0.33425721526145935},{"text":"It is just changing for another one that has performed a bit better, is a little bit cheaper, and it is more diversified in that you are invested in 200 companies in the one option for giving you that diversification. We're also swapping out one of your so the second investment to the top where it talks about the bank hybrids, that one is slowly being phased out. So we're just changing that one to another defensive investment. We are swapping some of your kind of your satellite investments, so the India investment and and health care. So these are the ones that have a higher allocation through your your kind of your more growth portfolios because they can fluctuate a little bit more.","start_word":2431,"end_word":2554,"sentiment":"neutral","sentiment_score":0.18092477321624756},{"text":"But because we are wanting to reduce the risk a little bit down, it is just, like, kind of filling out of them and instead looking at a bit of, like, infrastructure for you and shifting allocation in the other investments that you already have in your portfolio that's been kind of reallocating the percentage, just reducing risk a little bit for you.","start_word":2555,"end_word":2617,"sentiment":"positive","sentiment_score":0.42146214842796326},{"text":"Does that make sense, Peter? Yep. Do you have any questions in regards to any any of that? Yep. Yeah. No. Sort of a most of that's a bit over my head. So And and that's okay. But, basically, what it is, we're just changing some that has underperformed a little bit through some similar options, Yep. and we are then taking some out of your portfolio that can fluctuate a little bit more for a little bit more kind of little bit more defensive investments, essentially. Mhmm. For you, Peter. It should you have should have a little pie chart and a Yep. table again. Yep. What this looks like, it basically shows how much those growth and defensive investments. So in a balanced growth portfolio, we wanna aim for about seventy thirty. So 70 in growth, 30% in defensive. Now the column next to it, you can say existing. So that shows you that at the moment, you have about 81 in growth and then about 19.9 in defensive. The post portfolio, you can see, are a little bit less in growth and a little bit more in defensive, which is what we want because we wanna smooth out those fluctuations a little bit for you as you are getting closer to retirement, but still making sure we don't jeopardize the returns.","start_word":2618,"end_word":2841,"sentiment":"neutral","sentiment_score":0.14247360825538635},{"text":"So you can see that's reducing growth a little bit, increasing that as a defensive proportion just a little bit for you.","start_word":2842,"end_word":2863,"sentiment":"positive","sentiment_score":0.3884635269641876},{"text":"Makes sense? Basically, it Yep. just I'll trust you. means that we are shifting to not taking on as much risk and fluctuation, and instead just having a little bit smoother, with with the market changes, essentially. Yep. Now that is essentially what the recommendation is when it comes to your super. So as you scroll through, you will see I've included some information in regards to setting up a will as well as making a nomination for power of attorney.","start_word":2864,"end_word":2944,"sentiment":"neutral","sentiment_score":0.212289097868366},{"text":"It is something I always recommend everyone to consider.","start_word":2945,"end_word":2953,"sentiment":"positive","sentiment_score":0.42156824469566345},{"text":"So I Yep. have included a lot of information in regards to that, but I'll let you have a read over that in your own time. It's all in there for you, though, the importance of it and couple of advantages and disadvantages in regards to making a nomination for power of attorney and the will. It's all Mhmm. in there for you. Now that just kind of summarizes everything. It talks about the fee structure again, which similar to our mention during the interview that is not changing in any way, shape, or form.","start_word":2954,"end_word":3048,"sentiment":"neutral","sentiment_score":0.17600473761558533},{"text":"So you would save exactly the same at that 1.65 from super, so no changes in regards to that. And if it was that you were happy to go ahead with these couple of little changes to your investments to reduce your your risk a little bit, there is no additional fees and charges at all in regards to that. It is all part of that ongoing service for you.","start_word":3049,"end_word":3118,"sentiment":"positive","sentiment_score":0.4903899133205414},{"text":"Yep. Yep. So, basically, from here, if you wanted to take some time to have a read over this document in your own time, you are more than welcome to do so. Alternatively, if you are happy to go ahead with the recommendation, which is just to stay in hub Mhmm. 24 and swap out some of the investments that underperformed a little bit through alternatives for you.","start_word":3119,"end_word":3186,"sentiment":"neutral","sentiment_score":0.26400506496429443},{"text":"To move forward, it would just be to sign this document at the bottom where you are, and then it will automatically send it back to me. And that tells me that you are happy and comfortable with the little Yep. change.","start_word":3187,"end_word":3228,"sentiment":"positive","sentiment_score":0.4521559476852417},{"text":"Mhmm. Yeah.","start_word":3229,"end_word":3230,"sentiment":"neutral","sentiment_score":0.15556512773036957},{"text":"Would Perfect.","start_word":3231,"end_word":3232,"sentiment":"positive","sentiment_score":0.3869917392730713},{"text":"anything any of this make any difference if because of cost me investment property, which is not doing much for investment that needs a bit of work done to it. Because you're saying now I'm 60 plus that I can access some of the funds without Yes. tech. Yes. If I access some of the funds to, like, to renovate the house to to get more money out of it, so it's doing what's doing what it's supposed to do for me. How Yep. would that affect me of this? It wouldn't change the recommendation. If anything, it will be good because we are reducing the risk. So if we were making drastic changes and depending on how much you wanted to take out. Now are you you're still working at the moment? Yeah. Yep. Yeah. So the max you could take out if you wanted to was 10%. That will be tax free for you. Obviously, when you turn 60, obviously, you can take that out.","start_word":3233,"end_word":3399,"sentiment":"neutral","sentiment_score":0.06439597797607947},{"text":"So you still have a good even if you were to take out the 10 sorry, the 10% for renovations or whatever it is that you wanted to do with it, essentially, super as it is to grow for you. And by making the change, it is saving you in fees, which means that you will have more in there, and it's improving the returns for you.","start_word":3400,"end_word":3466,"sentiment":"positive","sentiment_score":0.5535229444503784},{"text":"So if you wanna take out a little bit from your you. So if you wanna take out a little bit from your superannuation, that Yep. won't change the recommendations I have met. I would still go ahead with the same recommendation. Mhmm. If you were to if we were to do the opposite, let's say we went through super aggressive and you say, oh, I wanna take out some money in two weeks' time, then I would say, okay. Well, maybe we need to reassess it. Because if we put you in a super aggressive portfolio and you have a lot of fluctuations in the market and you wanna take out money when the market's down, that's not gonna help you. Yeah. So Yeah. it's something Obviously. we are kind of Yep. reducing that risk. Does that make Yep. sense? Yes. Yep. Yes. Do you have any other questions No. I'm not. No. for It's pretty me, good. Peter? Yeah. No? I was just Yep. so what if I do, I can take 10%. So it'll be 25,000 out of basically, I Yes. can get up to So three of tax. exactly. Yep. So if you're working, you can take up through 10% under that transition to retirement, Yeah. Yep.","start_word":3467,"end_word":3677,"sentiment":"neutral","sentiment_score":-0.013073530418895432},{"text":"and we can help help you with that.","start_word":3678,"end_word":3685,"sentiment":"positive","sentiment_score":0.3931314349174499},{"text":"And you can do it as a lump sum, or you could do it, like, as a as a weekly or whatever it is that you wanted Yeah. to do.","start_word":3686,"end_word":3715,"sentiment":"neutral","sentiment_score":0.1822795569896698},{"text":"I'll Awesome. give you definitely.","start_word":3716,"end_word":3720,"sentiment":"positive","sentiment_score":0.6886816024780273},{"text":"Yeah. Yeah. Yeah. So if it's for renovation. So, yes, you can do that whenever you want to. If it's something that you want, just send us an email or you give us a call and say, hey. I wanna look at taking some money out to do some renovations, and then Mhmm. we can assist and help you with that. Yep. Yep. No. Yep. That's fine. I've probably Yep. just been thinking better since we spoke to last time. And so Yeah. I need to I need to make my investment property work for me. Yeah. I'm not And, doing any obviously, yeah, the option is there for you. Obviously, by taking money out, you'll have a little bit less, obviously, in there for retirement, yes. Yeah. But, obviously, the choice is there for you. Yeah. But the And investment yes. property will counteract that anyway. So Yeah. And like I said, it doesn't change the recommendations we have gone through today. It's quite Yep. minor just adjusting some of those investments. If it was going the other way or making drastic changes, then it could impact things for you, but but not what we have gone through today. Yep. Yep. Okay. Yeah. Okay.","start_word":3721,"end_word":3925,"sentiment":"neutral","sentiment_score":0.013606226071715357},{"text":"Beautiful.","start_word":3926,"end_word":3926,"sentiment":"positive","sentiment_score":0.5753666162490845},{"text":"Well, I will leave that with you, Peter. Like I said, have a bit of a read over the document. Yep. Any questions, let me know. Otherwise, when you have a moment, if you are wanting to go ahead, if you could assign that document digitally, and then it will automatically send it back to me. And Yep. then I will let the team know to go ahead and make those couple of changes for you. Okay. Okay. Do Well, you have thank any questions you. before I let you go? Not so important. No? Okay.","start_word":3927,"end_word":4022,"sentiment":"neutral","sentiment_score":0.14285561442375183},{"text":"Beautiful. Well, thank you so much for your time today, Peter. And, anything else you need, don't hesitate to give me a call. Okay. Thank you. Okay. Thank you. Bye.","start_word":4023,"end_word":4052,"sentiment":"positive","sentiment_score":0.5190789699554443},{"text":"Bye.","start_word":4053,"end_word":4053,"sentiment":"neutral","sentiment_score":0.2680007219314575}],"average":{"sentiment":"neutral","sentiment_score":0.1554687867889433}}}}