{"metadata":{"transaction_key":"deprecated","request_id":"352dd737-6e7c-4490-ad99-b57bffeff926","sha256":"5820735f92064be088dbf7a32f3c47fbf2dd3144b8a9e23a22152c1ec1ff7508","created":"2026-03-24T00:28:25.106Z","duration":1197.4319,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":4162,"output_tokens":101},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":4437,"output_tokens":4446},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":4437,"output_tokens":260}},"results":{"channels":[{"alternatives":[{"transcript":"Good morning. This is Monica speaking. Hi. How are you? That's great. Thanks for returning my callback. Yes. I had you booked in just to go over the strategy recommendations after our last catch up. Is not still a good time for you? Yes. Okay. Perfect. Now what I'm going to do is I'm just going to send you an email, with some documents to go through. Do you have access to your emails at the moment there, Carl? Yep. Okay. Perfect. So just kind of similar to last time, that's just been sent on my end. So just let me know when that one comes through to you. Have you had a busy morning so far? Yes. It didn't wake you up? It didn't wake you up? No. Perfect. Did that one come through okay there, Carl? Yes. Perfect. Now if you can click on the email for me and then click on the link, it should then allow you to open up that statement of advice. So just let me let me know when you can see that cover page. Okay? Yes. It should just be once you click on the sign here, it will allow you to open the document and view it fast. And then it should say statement of the device on, like, the cover page. Yeah. Perfect. Now it is pretty straightforward today just to kind of go through the recommendations that we kind of talked a little bit about last time. So I'll try to do this as quickly as I can for you, but, you know, if you do have any other questions as I go through, just let me know. Yep. Now on the cover page here, you can see that this has been prepared just for yourself. It has been prepared by me. And at the bottom of that page, you can see my authorized representative number there, and I am licensed under o two Financial. Now on the second page, you will see where it says the best interest duty. Can you see that okay? Yep. Perfect. Now this here basically just means 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, they cannot actually make the recommendation. Does that make sense? Yep. Perfect. Now as you scroll through, you will see table of contents, pretty self explanatory, which then takes us to scope of advice. So that is page three. Can you see that? Yep. Perfect. So like I said, it is pretty straightforward today. The only thing we are looking at is your superannuation to see if we could improve the returns and the performance a little bit, make some couple of changes to your superannuation, and then also consider if the, SMA that we talked about was going to be a good option for you. Do you kind of remember that conversation? Yep. Yep. Perfect. So that is essentially what we are looking at today. On the next page, you can see that we're not making any changes in regards to your insurances. You're quite happy with them. They are affordable and covers your needs, so not making any changes. It's literally just in regards to your superannuation. Yep. Perfect. Now as you scroll through for me, you will see on page six and seven two tables, just a little bit about some information about you. If you could just have a quick read over that for me just to see if that's all up to date or if there is anything that needs changing. We'll up that looks good. Yep. Perfect. Which then takes us to page eight. Now this just outlines your current superannuation in hub twenty four, your current balance as well. And then underneath that, you can see your MetLife insurance, and you do have your life total permanent disability and income protection with MetLife paid from within superannuation for you. Now on the next two pages, there is a little bit of information in regards to your risk profile. Did you kind of remember going through the risk profile last time, kind of how you felt about, you know, fluctuations and level of risk that you're comfortable with in superannuation? Yeah. Perfect. So we're not making any changes through that. We are keeping you within the growth portfolio. You were quite comfortable with that. It is a good time frame for when you are looking at retiring with, obviously, the focus of trying to maximize that growth as much as possible. Having about that 80% in your growth investments and about 20 in the sense that fluctuations a little bit are still obviously focusing on maximizing that long term growth. Yep. Perfect. Now on the next page, the page 11, it kind of outlines the the recommendation for you. So I did consider and review your hub twenty four just to make sure that was still going to be the best super fund for you or if there were any other options that was better or more competitive. And at the moment, hub twenty four still very much is a really good option for you. They have a lot of flexibility with investment choices. They are very competitive with pricing as well. And I actually use Hub twenty four for my personal super as well. So yeah. Perfect. I'm not making any changes there for you. I have recommended, however, that we move you into the SMA. Now if you wanna scroll through to page 19 for me, it just shows it a bit more clearly where all the numbers are. So there'll be a table on page 19. Yeah. You can see that okay? Yeah. Perfect. So with the the SMA, it is actually available on a slightly cheaper product offering in Hub 24. So still Hub 24, it is a little bit cheaper option, which actually means that you will save a $180 in admin fee, which is nice for basically the same access, which is you where you can see that on admin fee. You can see that? Yeah. Yeah. Perfect. So still within Hub 24. The only reason that we had you on the slightly more expensive option before was because the option to build that investment for you gives us more access to investment. The one I have recommended now, it is a little bit more limited with investment, but the good thing is that the estimate is available there, and we still have the options of putting a range of different investments in and out of the estimate. So that's really good. It basically reduced those fees a little bit for you. By making the change as well, it also reduces your investment fees, which again is really good. So you can kind of see as well that on a yearly basis, the total cost, you can see that the difference is about $389 in saving in just fees alone, which is your admin and investment fees, which is really good. Now underneath that, you can then see the five year, rolling average. So that is your current portfolio, using a five year historical rolling average and then the recommended. So you can see that the recommended has performed a little bit better historically as well. But, obviously, moving forward, we do think that it's going to be a a bigger difference, especially with that been a long investment in your current portfolio, which is what we wanted to swap out. And on the next page, you can then actually see it broken down, the twelve month, three years, and five years, to give you a little bit more with the return on the two portfolio. Can you see that? Yep. Yep. Perfect. Now we have also just projected the change forward for five and ten years to show you that even though we are making the change, you are saving in those fees and the improvement in the returns, it's still making a bit of a difference when you are compounding everything to five and ten years forward for you. The one thing I did wanted to mention is if you wanna scroll up again on page 19, it's just the capital gain text. Yes. So just back up to 19 for me. On the first row where it says the balance difference, and you see 1,850 one. Yep. That is because we are selling some of your investment. Because they have some of them have grown a bit, which is fantastic, it means that there will be capital gains tax when we are selling investment. That is that figure. So it can change a little bit, obviously, depending on when you calculated, but it is roughly around that 1,851, which is kind of the lowest capital gains with the different portfolios, which is great. But I do wanna let you know that if you see that come out, if you're happy with the change, it's just the tax that comes out from selling the invest. Investment. Yep. Yep. Perfect. And even though with that capital gains tax, again, that five and ten years, that factors in that difference, and it still shows you that you are better off by making the change. Yeah. But then also kind of like we said last time, the really good thing with the estimate is that it gives us that flexibility, especially when there are a lot of things in happening in the market and the world. It gives us that flexibility. Yeah. Yes. Not on the not on the SMA investments currently, but the good thing is that it gives us that flexibility. So, obviously, with us merging with BlackRock, we obviously have our investment committee along with their investment committee, and they do, you know, extensive research on the market all the time. And if there is anything that we see, like, a specific industry or sector that is going through, you know, kind of drop a little bit, it gives us the option of we can make this change really quickly with the SMA. Now you will still get notified if we make a change, but you don't have to go through this SOA process. You still get notified of the change, but you don't need to sign or do anything. It's just for your awareness, essentially. So it it it makes that really good. Now, obviously, because you can't obviously foresee what's going to happen, if we obviously think that it's going to be more drastic changes with the market, the good thing with you being in the estimate is that allows us to make that change before before anything, you know, exactly, which is the biggest thing. Exact exactly. And the portfolio as well with the SMA has been constructed to try to reduce volatility and even, like, reduce, you know, exchange rates between different currencies and stuff like that. So it takes all of that into consideration, which is a really good software that BlackRock has access to that we also have access to with the SMA is to kinda make sure that we reduce volatility fluctuations by still choosing, you know, good growth investment by trying to obviously limit that as much as possible. Does that all make sense so far, Carl? Yes. Perfect. It's kind of quite similar to what we spoke last time. It's just doing the research, making sure it is the best option for you, which so far, it it definitely is. And the capital gains act wasn't that good great either, which is fantastic. Now if you scroll up for me to page 16. Yes, please. Yeah. So you can basically see the outline of the investment changes. So at the moment, you can see all your individual investment that we are changing, and we're doing a a seventy thirty split of two SMA portfolios, and that is to give you the growth portfolio, to give you that eighty twenty split by doing that. So at the moment here, you will see that it's the Oakview Bloom SMA and Oakview Evergreen. Now if you go ahead and make the change when you do log in to Hub twenty four when we've made the change, you can actually click on them, and then you will still see the underlying investment. So you can still see them in your account if it is, you know, that you do wanna look at what's actually underneath it as well. Yep. Now if you wanna scroll down for me to page 18, it then kind of highlights that risk asset allocation, if you can see that okay. Yep. Perfect. Exactly. So you can see your risk profile, which is the eighty twenty split. You can see your current portfolio and then the proposed, and they're both very much aligned with that growth asset allocation. So there's not really much changes in that. Yep. Perfect. Now the the other thing I do wanna mention, though, if you do wanna have a read over the document, it will be a little bit further up where it puts everything in black and white. Essentially, what we've just gone over is your salary sacrifice arrangement. Now I know that you mentioned last time that you were interested in potentially increasing that, and I did do, the math for you. And at the moment, with, obviously, your income employer contribution and that the way that your current salary sacrifice is coming into the account, you are really close to the cap. So if you actually increase it, it means that you are going to exceed the professional cap. So I recommend retaining your current salary sacrifice. You can you can do more contributions, but you would have to do it after tax, and it just wouldn't be as effective from a tax point of view. It would just be for the purpose of if you wanna add more to super. But salary sacrifice, I recommend just retaining the way that things are at the moment because you are very close to that 30,000 cap space, which is great. Oh. So so, yeah, you don't need to make any changes to it. If the cap space or anything changes next financial year, we can always reassess it. But at the moment, you are in a very good position. And if you change it, it will mean that you will exceed that cap space and have to pay more tax, which is what we wanna avoid. Exactly. Now the last thing I do wanna mention there, Carl, is page 23, just where it says about remuneration. Can you see that okay? Yep. Perfect. So this just basically shows you that if you were happy to go ahead with this change, there is no additional fees at all. It is all part of the ongoing advice fee, which is just that 1.65 from your balance. There's no changes to the percentage. And like I said, there is no additional fees or charges for this research or to go ahead and make the change. It is all part of that ongoing service for you. And then underneath it, you will also see just the insurance premium. Again, just for compliance so that you are fully aware of all the commissions that we receive. Now we do get 22% of your premium for your insurances, but that is net life your insurer paying us. It is not you paying us. Yeah. But just for compliance, sir, you are fully across everything. We have to disclose it and let you know. But, again, it is MetLife paying us. It is not you paying us. Yeah. Perfect. Yeah. Perfect. Which is essentially everything that I needed to go through today. So like I said, it was pretty straightforward. Just looking at making those changes into the SMA for you, still keeping you in that growth allocation just to try to improve your super and then your retirement outcome a little bit there for you. Perfect. Do you have any questions, or what are your thoughts on on all this? Yeah. Of course. So if you click out of the link as well, you will also see a couple of other attachments. Now they are basically all the research that goes into it. So, obviously, I have you take your time to read over as well. They are quite long. It's just basically all the research and everything you need to know. It gives you there is another product disclosure statement about the SMA as well. So if you do wanna read up a little bit more, it is all in there for you. So I will obviously let you take some time to read over it. If you do have any questions as you read through it, just just give me a call. Otherwise, if you do read through it and you are happy with everything, if you sign the documents digitally, I will then get notified, and then I can let the team know to go ahead and make this change for you. Yep. Perfect. Do you have any questions for me before I let you go otherwise? No? Yes. Very yes. And that is one of the biggest you know, there are a lot of benefits with the SMA, but that is one of the biggest things, especially in today's market condition, is that we can very quickly make those changes. Because, obviously, me doing all this research took a couple of weeks. So if it was a situation otherwise, it would have been the same. And then sometimes you have to react a bit quicker, to avoid, obviously, things dropping or potentially good opportunities to buy in. So the estimate gives us that flexibility, which is really good. Yeah. Perfect. Well, I will let you go, and enjoy the rest of your day. And I will keep a lookout for that documents to come through or call from you if you have any questions. Yeah. Yeah. Great. Perfect. Well, you enjoy the rest of your day, and I look forward to speaking with you soon again. Thank you for speaking. 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morning. This is Monica speaking. Hi. How are you? That's great.\n\nThanks for returning my callback. Yes. I had you booked in just to go over the strategy recommendations after our last catch up. Is not still a good time for you? Yes.\n\nOkay. Perfect. Now what I'm going to do is I'm just going to send you an email, with some documents to go through. Do you have access to your emails at the moment there, Carl? Yep.\n\nOkay. Perfect. So just kind of similar to last time, that's just been sent on my end. So just let me know when that one comes through to you. Have you had a busy morning so far?\n\nYes. It didn't wake you up? It didn't wake you up? No. Perfect.\n\nDid that one come through okay there, Carl? Yes. Perfect. Now if you can click on the email for me and then click on the link, it should then allow you to open up that statement of advice. So just let me let me know when you can see that cover page.\n\nOkay? Yes. It should just be once you click on the sign here, it will allow you to open the document and view it fast. And then it should say statement of the device on, like, the cover page. Yeah.\n\nPerfect. Now it is pretty straightforward today just to kind of go through the recommendations that we kind of talked a little bit about last time. So I'll try to do this as quickly as I can for you, but, you know, if you do have any other questions as I go through, just let me know. Yep. Now on the cover page here, you can see that this has been prepared just for yourself.\n\nIt has been prepared by me. And at the bottom of that page, you can see my authorized representative number there, and I am licensed under o two Financial. Now on the second page, you will see where it says the best interest duty. Can you see that okay? Yep.\n\nPerfect. Now this here basically just means 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, they cannot actually make the recommendation. Does that make sense? Yep.\n\nPerfect. Now as you scroll through, you will see table of contents, pretty self explanatory, which then takes us to scope of advice. So that is page three. Can you see that? Yep.\n\nPerfect. So like I said, it is pretty straightforward today. The only thing we are looking at is your superannuation to see if we could improve the returns and the performance a little bit, make some couple of changes to your superannuation, and then also consider if the, SMA that we talked about was going to be a good option for you. Do you kind of remember that conversation? Yep.\n\nYep. Perfect. So that is essentially what we are looking at today. On the next page, you can see that we're not making any changes in regards to your insurances. You're quite happy with them.\n\nThey are affordable and covers your needs, so not making any changes. It's literally just in regards to your superannuation. Yep. Perfect. Now as you scroll through for me, you will see on page six and seven two tables, just a little bit about some information about you.\n\nIf you could just have a quick read over that for me just to see if that's all up to date or if there is anything that needs changing. We'll up that looks good. Yep. Perfect. Which then takes us to page eight.\n\nNow this just outlines your current superannuation in hub twenty four, your current balance as well. And then underneath that, you can see your MetLife insurance, and you do have your life total permanent disability and income protection with MetLife paid from within superannuation for you. Now on the next two pages, there is a little bit of information in regards to your risk profile. Did you kind of remember going through the risk profile last time, kind of how you felt about, you know, fluctuations and level of risk that you're comfortable with in superannuation? Yeah.\n\nPerfect. So we're not making any changes through that. We are keeping you within the growth portfolio. You were quite comfortable with that. It is a good time frame for when you are looking at retiring with, obviously, the focus of trying to maximize that growth as much as possible.\n\nHaving about that 80% in your growth investments and about 20 in the sense that fluctuations a little bit are still obviously focusing on maximizing that long term growth. Yep. Perfect. Now on the next page, the page 11, it kind of outlines the the recommendation for you. So I did consider and review your hub twenty four just to make sure that was still going to be the best super fund for you or if there were any other options that was better or more competitive.\n\nAnd at the moment, hub twenty four still very much is a really good option for you. They have a lot of flexibility with investment choices. They are very competitive with pricing as well. And I actually use Hub twenty four for my personal super as well. So yeah.\n\nPerfect. I'm not making any changes there for you. I have recommended, however, that we move you into the SMA. Now if you wanna scroll through to page 19 for me, it just shows it a bit more clearly where all the numbers are. So there'll be a table on page 19.\n\nYeah. You can see that okay? Yeah. Perfect. So with the the SMA, it is actually available on a slightly cheaper product offering in Hub 24.\n\nSo still Hub 24, it is a little bit cheaper option, which actually means that you will save a $180 in admin fee, which is nice for basically the same access, which is you where you can see that on admin fee. You can see that? Yeah. Yeah. Perfect.\n\nSo still within Hub 24. The only reason that we had you on the slightly more expensive option before was because the option to build that investment for you gives us more access to investment. The one I have recommended now, it is a little bit more limited with investment, but the good thing is that the estimate is available there, and we still have the options of putting a range of different investments in and out of the estimate. So that's really good. It basically reduced those fees a little bit for you.\n\nBy making the change as well, it also reduces your investment fees, which again is really good. So you can kind of see as well that on a yearly basis, the total cost, you can see that the difference is about $389 in saving in just fees alone, which is your admin and investment fees, which is really good. Now underneath that, you can then see the five year, rolling average. So that is your current portfolio, using a five year historical rolling average and then the recommended. So you can see that the recommended has performed a little bit better historically as well.\n\nBut, obviously, moving forward, we do think that it's going to be a a bigger difference, especially with that been a long investment in your current portfolio, which is what we wanted to swap out. And on the next page, you can then actually see it broken down, the twelve month, three years, and five years, to give you a little bit more with the return on the two portfolio. Can you see that? Yep. Yep.\n\nPerfect. Now we have also just projected the change forward for five and ten years to show you that even though we are making the change, you are saving in those fees and the improvement in the returns, it's still making a bit of a difference when you are compounding everything to five and ten years forward for you. The one thing I did wanted to mention is if you wanna scroll up again on page 19, it's just the capital gain text. Yes. So just back up to 19 for me.\n\nOn the first row where it says the balance difference, and you see 1,850 one. Yep. That is because we are selling some of your investment. Because they have some of them have grown a bit, which is fantastic, it means that there will be capital gains tax when we are selling investment. That is that figure.\n\nSo it can change a little bit, obviously, depending on when you calculated, but it is roughly around that 1,851, which is kind of the lowest capital gains with the different portfolios, which is great. But I do wanna let you know that if you see that come out, if you're happy with the change, it's just the tax that comes out from selling the invest. Investment. Yep. Yep.\n\nPerfect. And even though with that capital gains tax, again, that five and ten years, that factors in that difference, and it still shows you that you are better off by making the change. Yeah. But then also kind of like we said last time, the really good thing with the estimate is that it gives us that flexibility, especially when there are a lot of things in happening in the market and the world. It gives us that flexibility.\n\nYeah. Yes. Not on the not on the SMA investments currently, but the good thing is that it gives us that flexibility. So, obviously, with us merging with BlackRock, we obviously have our investment committee along with their investment committee, and they do, you know, extensive research on the market all the time. And if there is anything that we see, like, a specific industry or sector that is going through, you know, kind of drop a little bit, it gives us the option of we can make this change really quickly with the SMA.\n\nNow you will still get notified if we make a change, but you don't have to go through this SOA process. You still get notified of the change, but you don't need to sign or do anything. It's just for your awareness, essentially. So it it it makes that really good. Now, obviously, because you can't obviously foresee what's going to happen, if we obviously think that it's going to be more drastic changes with the market, the good thing with you being in the estimate is that allows us to make that change before before anything, you know, exactly, which is the biggest thing.\n\nExact exactly. And the portfolio as well with the SMA has been constructed to try to reduce volatility and even, like, reduce, you know, exchange rates between different currencies and stuff like that. So it takes all of that into consideration, which is a really good software that BlackRock has access to that we also have access to with the SMA is to kinda make sure that we reduce volatility fluctuations by still choosing, you know, good growth investment by trying to obviously limit that as much as possible. Does that all make sense so far, Carl? Yes.\n\nPerfect. It's kind of quite similar to what we spoke last time. It's just doing the research, making sure it is the best option for you, which so far, it it definitely is. And the capital gains act wasn't that good great either, which is fantastic. Now if you scroll up for me to page 16.\n\nYes, please. Yeah. So you can basically see the outline of the investment changes. So at the moment, you can see all your individual investment that we are changing, and we're doing a a seventy thirty split of two SMA portfolios, and that is to give you the growth portfolio, to give you that eighty twenty split by doing that. So at the moment here, you will see that it's the Oakview Bloom SMA and Oakview Evergreen.\n\nNow if you go ahead and make the change when you do log in to Hub twenty four when we've made the change, you can actually click on them, and then you will still see the underlying investment. So you can still see them in your account if it is, you know, that you do wanna look at what's actually underneath it as well. Yep. Now if you wanna scroll down for me to page 18, it then kind of highlights that risk asset allocation, if you can see that okay. Yep.\n\nPerfect. Exactly. So you can see your risk profile, which is the eighty twenty split. You can see your current portfolio and then the proposed, and they're both very much aligned with that growth asset allocation. So there's not really much changes in that.\n\nYep. Perfect. Now the the other thing I do wanna mention, though, if you do wanna have a read over the document, it will be a little bit further up where it puts everything in black and white. Essentially, what we've just gone over is your salary sacrifice arrangement. Now I know that you mentioned last time that you were interested in potentially increasing that, and I did do, the math for you.\n\nAnd at the moment, with, obviously, your income employer contribution and that the way that your current salary sacrifice is coming into the account, you are really close to the cap. So if you actually increase it, it means that you are going to exceed the professional cap. So I recommend retaining your current salary sacrifice. You can you can do more contributions, but you would have to do it after tax, and it just wouldn't be as effective from a tax point of view. It would just be for the purpose of if you wanna add more to super.\n\nBut salary sacrifice, I recommend just retaining the way that things are at the moment because you are very close to that 30,000 cap space, which is great. Oh. So so, yeah, you don't need to make any changes to it. If the cap space or anything changes next financial year, we can always reassess it. But at the moment, you are in a very good position.\n\nAnd if you change it, it will mean that you will exceed that cap space and have to pay more tax, which is what we wanna avoid. Exactly. Now the last thing I do wanna mention there, Carl, is page 23, just where it says about remuneration. Can you see that okay? Yep.\n\nPerfect. So this just basically shows you that if you were happy to go ahead with this change, there is no additional fees at all. It is all part of the ongoing advice fee, which is just that 1.65 from your balance. There's no changes to the percentage. And like I said, there is no additional fees or charges for this research or to go ahead and make the change.\n\nIt is all part of that ongoing service for you. And then underneath it, you will also see just the insurance premium. Again, just for compliance so that you are fully aware of all the commissions that we receive. Now we do get 22% of your premium for your insurances, but that is net life your insurer paying us. It is not you paying us.\n\nYeah. But just for compliance, sir, you are fully across everything. We have to disclose it and let you know. But, again, it is MetLife paying us. It is not you paying us.\n\nYeah. Perfect. Yeah. Perfect. Which is essentially everything that I needed to go through today.\n\nSo like I said, it was pretty straightforward. Just looking at making those changes into the SMA for you, still keeping you in that growth allocation just to try to improve your super and then your retirement outcome a little bit there for you. Perfect. Do you have any questions, or what are your thoughts on on all this? Yeah.\n\nOf course. So if you click out of the link as well, you will also see a couple of other attachments. Now they are basically all the research that goes into it. So, obviously, I have you take your time to read over as well. They are quite long.\n\nIt's just basically all the research and everything you need to know. It gives you there is another product disclosure statement about the SMA as well. So if you do wanna read up a little bit more, it is all in there for you. So I will obviously let you take some time to read over it. If you do have any questions as you read through it, just just give me a call.\n\nOtherwise, if you do read through it and you are happy with everything, if you sign the documents digitally, I will then get notified, and then I can let the team know to go ahead and make this change for you. Yep. Perfect. Do you have any questions for me before I let you go otherwise? No?\n\nYes. Very yes. And that is one of the biggest you know, there are a lot of benefits with the SMA, but that is one of the biggest things, especially in today's market condition, is that we can very quickly make those changes. Because, obviously, me doing all this research took a couple of weeks. So if it was a situation otherwise, it would have been the same.\n\nAnd then sometimes you have to react a bit quicker, to avoid, obviously, things dropping or potentially good opportunities to buy in. So the estimate gives us that flexibility, which is really good. Yeah. Perfect. Well, I will let you go, and enjoy the rest of your day.\n\nAnd I will keep a lookout for that documents to come through or call from you if you have any questions. Yeah. Yeah. Great. Perfect.\n\nWell, you enjoy the rest of your day, and I look forward to speaking with you soon again. Thank you for speaking. Bye.","paragraphs":[{"sentences":[{"text":"Good morning.","start":1.52,"end":2.08,"sentiment":"neutral","sentiment_score":0.20211173593997955},{"text":"This is Monica speaking.","start":2.08,"end":3.3,"sentiment":"neutral","sentiment_score":0.09831448085606098},{"text":"Hi.","start":7.8399997,"end":8.08,"sentiment":"neutral","sentiment_score":0.16270433366298676},{"text":"How are you?","start":8.08,"end":8.9,"sentiment":"neutral","sentiment_score":0.17184347410996756},{"text":"That's great.","start":10.8,"end":11.599999,"sentiment":"positive","sentiment_score":0.7558652460575104}],"sentiment":"neutral","sentiment_score":0.24895388695100942,"num_words":12,"start":1.52,"end":11.599999},{"sentences":[{"text":"Thanks for returning my callback.","start":11.599999,"end":13.38,"sentiment":"positive","sentiment_score":0.6745669722557068},{"text":"Yes.","start":18.965,"end":19.465,"sentiment":"neutral","sentiment_score":-0.0018403660506010056},{"text":"I had you booked in just to go over the strategy recommendations after our last catch up.","start":20.965,"end":26.085,"sentiment":"neutral","sentiment_score":-0.009388247614397723},{"text":"Is not still a good time for you?","start":26.085,"end":27.63,"sentiment":"neutral","sentiment_score":-0.11526618665084243},{"text":"Yes.","start":29.07,"end":29.57,"sentiment":"neutral","sentiment_score":0.1831395328044891}],"sentiment":"neutral","sentiment_score":0.07726263516815379,"num_words":32,"start":11.599999,"end":29.57},{"sentences":[{"text":"Okay.","start":29.63,"end":30.13,"sentiment":"neutral","sentiment_score":0.20623508095741272},{"text":"Perfect.","start":30.189999,"end":30.689999,"sentiment":"neutral","sentiment_score":0.3292963206768036},{"text":"Now what I'm going to do is I'm just going to send you an email, with some documents to go through.","start":31.63,"end":37.809998,"sentiment":"neutral","sentiment_score":0.11417503122772489},{"text":"Do you have access to your emails at the moment there, Carl?","start":38.51,"end":42.05,"sentiment":"neutral","sentiment_score":0.036416076201324664},{"text":"Yep.","start":43.094997,"end":43.414997,"sentiment":"neutral","sentiment_score":0.07902966439723969}],"sentiment":"neutral","sentiment_score":0.09581193433971041,"num_words":36,"start":29.63,"end":43.414997},{"sentences":[{"text":"Okay.","start":43.414997,"end":43.815,"sentiment":"neutral","sentiment_score":0.1423327773809433},{"text":"Perfect.","start":43.815,"end":44.315,"sentiment":"neutral","sentiment_score":0.31078076362609863},{"text":"So just kind of similar to last time, that's just been sent on my end.","start":44.774998,"end":51.274998,"sentiment":"neutral","sentiment_score":0.20336290895938874},{"text":"So just let me know when that one comes through to you.","start":51.815,"end":54.555,"sentiment":"neutral","sentiment_score":0.17288904016216597},{"text":"Have you had a busy morning so far?","start":59.969997,"end":61.91,"sentiment":"neutral","sentiment_score":0.00504928408190608}],"sentiment":"neutral","sentiment_score":0.15185459270267873,"num_words":37,"start":43.414997,"end":61.91},{"sentences":[{"text":"Yes.","start":69.745,"end":70.245,"sentiment":"neutral","sentiment_score":0.014387525618076324},{"text":"It didn't wake you up?","start":71.985,"end":73.205,"sentiment":"neutral","sentiment_score":-0.021554557047784327},{"text":"It didn't wake you up?","start":74.945,"end":76.165,"sentiment":"neutral","sentiment_score":-0.036208173260092735},{"text":"No.","start":77.505005,"end":78.005005,"sentiment":"neutral","sentiment_score":-0.06515070796012878},{"text":"Perfect.","start":80.11,"end":80.61,"sentiment":"neutral","sentiment_score":0.016212966293096542}],"sentiment":"neutral","sentiment_score":-0.024874143660641633,"num_words":13,"start":69.745,"end":80.61},{"sentences":[{"text":"Did that one come through okay there, Carl?","start":81.15,"end":83.01,"sentiment":"neutral","sentiment_score":0.03187627741135657},{"text":"Yes.","start":84.03001,"end":84.53001,"sentiment":"neutral","sentiment_score":0.12109769135713576},{"text":"Perfect.","start":84.590004,"end":85.090004,"sentiment":"neutral","sentiment_score":0.26130878925323486},{"text":"Now if you can click on the email for me and then click on the link, it should then allow you to open up that statement of advice.","start":85.39,"end":95.425,"sentiment":"neutral","sentiment_score":0.1606460607477597},{"text":"So just let me let me know when you can see that cover page.","start":95.485,"end":98.685005,"sentiment":"neutral","sentiment_score":0.11188536403434617}],"sentiment":"neutral","sentiment_score":0.128882721102295,"num_words":52,"start":81.15,"end":98.685005},{"sentences":[{"text":"Okay?","start":98.685005,"end":99.185005,"sentiment":"neutral","sentiment_score":0.06472136825323105},{"text":"Yes.","start":102.685005,"end":103.185005,"sentiment":"neutral","sentiment_score":0.04633484035730362},{"text":"It should just be once you click on the sign here, it will allow you to open the document and view it fast.","start":105.53,"end":111.71,"sentiment":"neutral","sentiment_score":0.13471938345743262},{"text":"And then it should say statement of the device on, like, the cover page.","start":114.97,"end":120.395,"sentiment":"neutral","sentiment_score":0.05798504528190408},{"text":"Yeah.","start":120.455,"end":120.955,"sentiment":"neutral","sentiment_score":0.19039183855056763}],"sentiment":"neutral","sentiment_score":0.10529461251571774,"num_words":40,"start":98.685005,"end":120.955},{"sentences":[{"text":"Perfect.","start":121.175,"end":121.675,"sentiment":"positive","sentiment_score":0.3620012700557709},{"text":"Now it is pretty straightforward today just to kind of go through the recommendations that we kind of talked a little bit about last time.","start":123.015,"end":130.635,"sentiment":"neutral","sentiment_score":0.2546959728002548},{"text":"So I'll try to do this as quickly as I can for you, but, you know, if you do have any other questions as I go through, just let me know.","start":131.14,"end":137.56,"sentiment":"neutral","sentiment_score":0.22564351799026613},{"text":"Yep.","start":138.74,"end":139.24,"sentiment":"neutral","sentiment_score":0.12314748764038086},{"text":"Now on the cover page here, you can see that this has been prepared just for yourself.","start":139.78,"end":144.28,"sentiment":"neutral","sentiment_score":0.13430294964243383}],"sentiment":"neutral","sentiment_score":0.21507529705762862,"num_words":75,"start":121.175,"end":144.28},{"sentences":[{"text":"It has been prepared by me.","start":145.055,"end":146.815,"sentiment":"neutral","sentiment_score":0.05451743056376775},{"text":"And at the bottom of that page, you can see my authorized representative number there, and I am licensed under o two Financial.","start":146.815,"end":153.795,"sentiment":"neutral","sentiment_score":0.03939115434237148},{"text":"Now on the second page, you will see where it says the best interest duty.","start":155.775,"end":160.36,"sentiment":"neutral","sentiment_score":0.022905651976664863},{"text":"Can you see that okay?","start":160.36,"end":161.5,"sentiment":"neutral","sentiment_score":0.03542091473937035},{"text":"Yep.","start":162.84001,"end":163.24,"sentiment":"neutral","sentiment_score":0.1840973794460297}],"sentiment":"neutral","sentiment_score":0.0387577573210001,"num_words":50,"start":145.055,"end":163.24},{"sentences":[{"text":"Perfect.","start":163.24,"end":163.74,"sentiment":"positive","sentiment_score":0.4439694881439209},{"text":"Now this here basically just means 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":164.52,"end":174.22,"sentiment":"neutral","sentiment_score":0.19149757735431194},{"text":"Otherwise, they cannot actually make the recommendation.","start":174.585,"end":176.765,"sentiment":"neutral","sentiment_score":-0.08672152353184563},{"text":"Does that make sense?","start":177.065,"end":178.125,"sentiment":"neutral","sentiment_score":0.05064866878092289},{"text":"Yep.","start":179.225,"end":179.725,"sentiment":"neutral","sentiment_score":0.15291234850883484}],"sentiment":"neutral","sentiment_score":0.14461915575119913,"num_words":49,"start":163.24,"end":179.725},{"sentences":[{"text":"Perfect.","start":179.785,"end":180.285,"sentiment":"neutral","sentiment_score":0.3124313950538635},{"text":"Now as you scroll through, you will see table of contents, pretty self explanatory, which then takes us to scope of advice.","start":180.66501,"end":189.065,"sentiment":"neutral","sentiment_score":0.14103111556985162},{"text":"So that is page three.","start":189.065,"end":190.40999,"sentiment":"neutral","sentiment_score":0.06422830671072007},{"text":"Can you see that?","start":190.40999,"end":191.46999,"sentiment":"neutral","sentiment_score":0.05675213597714901},{"text":"Yep.","start":193.60999,"end":194.09,"sentiment":"neutral","sentiment_score":0.1581975817680359}],"sentiment":"neutral","sentiment_score":0.12489283626729791,"num_words":33,"start":179.785,"end":194.09},{"sentences":[{"text":"Perfect.","start":194.09,"end":194.59,"sentiment":"positive","sentiment_score":0.4600386619567871},{"text":"So like I said, it is pretty straightforward today.","start":194.89,"end":197.12999,"sentiment":"positive","sentiment_score":0.4510713915030162},{"text":"The only thing we are looking at is your superannuation to see if we could improve the returns and the performance a little bit, make some couple of changes to your superannuation, and then also consider if the, SMA that we talked about was going to be a good option for you.","start":197.12999,"end":213.615,"sentiment":"neutral","sentiment_score":0.24874140379520562},{"text":"Do you kind of remember that conversation?","start":213.615,"end":215.315,"sentiment":"neutral","sentiment_score":0.043425507311310084},{"text":"Yep.","start":216.67,"end":217.06999,"sentiment":"neutral","sentiment_score":0.0880836695432663}],"sentiment":"neutral","sentiment_score":0.2549470914793866,"num_words":70,"start":194.09,"end":217.06999},{"sentences":[{"text":"Yep.","start":217.06999,"end":217.39,"sentiment":"neutral","sentiment_score":0.1280389428138733},{"text":"Perfect.","start":217.39,"end":217.79,"sentiment":"neutral","sentiment_score":0.3314920961856842},{"text":"So that is essentially what we are looking at today.","start":217.79,"end":220.69,"sentiment":"neutral","sentiment_score":0.1688247576355934},{"text":"On the next page, you can see that we're not making any changes in regards to your insurances.","start":221.23,"end":226.20999,"sentiment":"neutral","sentiment_score":-0.00425227503809664},{"text":"You're quite happy with them.","start":226.83,"end":228.19,"sentiment":"positive","sentiment_score":0.445466023683548}],"sentiment":"neutral","sentiment_score":0.12281622237392835,"num_words":35,"start":217.06999,"end":228.19},{"sentences":[{"text":"They are affordable and covers your needs, so not making any changes.","start":228.19,"end":232.41501,"sentiment":"neutral","sentiment_score":0.2871553987885515},{"text":"It's literally just in regards to your superannuation.","start":232.41501,"end":234.91501,"sentiment":"neutral","sentiment_score":0.09292900376021862},{"text":"Yep.","start":236.57501,"end":237.07501,"sentiment":"neutral","sentiment_score":0.0689564198255539},{"text":"Perfect.","start":237.695,"end":238.195,"sentiment":"neutral","sentiment_score":0.29440224170684814},{"text":"Now as you scroll through for me, you will see on page six and seven two tables, just a little bit about some information about you.","start":238.57501,"end":250.61,"sentiment":"neutral","sentiment_score":0.12907972072179502}],"sentiment":"neutral","sentiment_score":0.16476517116340497,"num_words":48,"start":228.19,"end":250.61},{"sentences":[{"text":"If you could just have a quick read over that for me just to see if that's all up to date or if there is anything that needs changing.","start":250.99,"end":259.585,"sentiment":"neutral","sentiment_score":0.10868212503605876},{"text":"We'll up that looks good.","start":261.085,"end":263.98502,"sentiment":"neutral","sentiment_score":0.27020866349339484},{"text":"Yep.","start":264.20502,"end":264.70502,"sentiment":"neutral","sentiment_score":0.17198491096496582},{"text":"Perfect.","start":264.765,"end":265.265,"sentiment":"neutral","sentiment_score":0.2237660586833954},{"text":"Which then takes us to page eight.","start":265.645,"end":267.825,"sentiment":"neutral","sentiment_score":0.08124545110123498}],"sentiment":"neutral","sentiment_score":0.12714637374115545,"num_words":43,"start":250.99,"end":267.825},{"sentences":[{"text":"Now this just outlines your current superannuation in hub twenty four, your current balance as well.","start":268.24,"end":274.87997,"sentiment":"neutral","sentiment_score":0.08887639315798879},{"text":"And then underneath that, you can see your MetLife insurance, and you do have your life total permanent disability and income protection with MetLife paid from within superannuation for you.","start":274.87997,"end":286.17502,"sentiment":"neutral","sentiment_score":0.176418803135554},{"text":"Now on the next two pages, there is a little bit of information in regards to your risk profile.","start":288.23502,"end":294.655,"sentiment":"neutral","sentiment_score":0.01077836060798482},{"text":"Did you kind of remember going through the risk profile last time, kind of how you felt about, you know, fluctuations and level of risk that you're comfortable with in superannuation?","start":295.09998,"end":305.44,"sentiment":"neutral","sentiment_score":0.004958166500493404},{"text":"Yeah.","start":307.275,"end":307.515,"sentiment":"neutral","sentiment_score":0.15637123584747314}],"sentiment":"neutral","sentiment_score":0.07453040859287548,"num_words":97,"start":268.24,"end":307.515},{"sentences":[{"text":"Perfect.","start":307.515,"end":307.995,"sentiment":"positive","sentiment_score":0.3957236409187317},{"text":"So we're not making any changes through that.","start":307.995,"end":310.555,"sentiment":"neutral","sentiment_score":0.03388485126197338},{"text":"We are keeping you within the growth portfolio.","start":310.555,"end":312.815,"sentiment":"neutral","sentiment_score":0.2857686411589384},{"text":"You were quite comfortable with that.","start":312.875,"end":314.795,"sentiment":"positive","sentiment_score":0.5030423303445181},{"text":"It is a good time frame for when you are looking at retiring with, obviously, the focus of trying to maximize that growth as much as possible.","start":314.795,"end":322.495,"sentiment":"positive","sentiment_score":0.4365632048359624}],"sentiment":"positive","sentiment_score":0.35516824185848234,"num_words":50,"start":307.515,"end":322.495},{"sentences":[{"text":"Having about that 80% in your growth investments and about 20 in the sense that fluctuations a little bit are still obviously focusing on maximizing that long term growth.","start":323.09,"end":335.025,"sentiment":"neutral","sentiment_score":0.2507181393689123},{"text":"Yep.","start":337.345,"end":337.845,"sentiment":"neutral","sentiment_score":0.28682905435562134},{"text":"Perfect.","start":337.985,"end":338.485,"sentiment":"positive","sentiment_score":0.5999206304550171},{"text":"Now on the next page, the page 11, it kind of outlines the the recommendation for you.","start":339.10498,"end":347.345,"sentiment":"neutral","sentiment_score":0.27751076221466064},{"text":"So I did consider and review your hub twenty four just to make sure that was still going to be the best super fund for you or if there were any other options that was better or more competitive.","start":347.345,"end":359.58,"sentiment":"neutral","sentiment_score":0.2823202482018715}],"sentiment":"neutral","sentiment_score":0.2745488317704749,"num_words":87,"start":323.09,"end":359.58},{"sentences":[{"text":"And at the moment, hub twenty four still very much is a really good option for you.","start":360.12,"end":364.94,"sentiment":"positive","sentiment_score":0.5616715760792003},{"text":"They have a lot of flexibility with investment choices.","start":365.13498,"end":368.51498,"sentiment":"positive","sentiment_score":0.4922731551859114},{"text":"They are very competitive with pricing as well.","start":368.735,"end":371.555,"sentiment":"positive","sentiment_score":0.5899018943309784},{"text":"And I actually use Hub twenty four for my personal super as well.","start":371.935,"end":375.79498,"sentiment":"positive","sentiment_score":0.3806663453578949},{"text":"So yeah.","start":376.895,"end":378.91998,"sentiment":"neutral","sentiment_score":0.07046828418970108}],"sentiment":"positive","sentiment_score":0.48546304903468307,"num_words":49,"start":360.12,"end":378.91998},{"sentences":[{"text":"Perfect.","start":378.91998,"end":379.04,"sentiment":"neutral","sentiment_score":0.2902194559574127},{"text":"I'm not making any changes there for you.","start":379.04,"end":382.5,"sentiment":"neutral","sentiment_score":-0.14797029923647642},{"text":"I have recommended, however, that we move you into the SMA.","start":383.04,"end":387.3,"sentiment":"neutral","sentiment_score":0.07153173366730864},{"text":"Now if you wanna scroll through to page 19 for me, it just shows it a bit more clearly where all the numbers are.","start":388.0,"end":398.515,"sentiment":"neutral","sentiment_score":0.05528473171095053},{"text":"So there'll be a table on page 19.","start":398.515,"end":401.17502,"sentiment":"neutral","sentiment_score":0.052356477826833725}],"sentiment":"neutral","sentiment_score":0.03151906761698998,"num_words":52,"start":378.91998,"end":401.17502},{"sentences":[{"text":"Yeah.","start":404.11502,"end":404.355,"sentiment":"neutral","sentiment_score":0.05781874433159828},{"text":"You can see that okay?","start":404.355,"end":405.575,"sentiment":"neutral","sentiment_score":0.057490840554237366},{"text":"Yeah.","start":406.67,"end":407.07,"sentiment":"neutral","sentiment_score":0.1997595727443695},{"text":"Perfect.","start":407.07,"end":407.57,"sentiment":"positive","sentiment_score":0.438099205493927},{"text":"So with the the SMA, it is actually available on a slightly cheaper product offering in Hub 24.","start":407.71,"end":416.75,"sentiment":"neutral","sentiment_score":0.15533498550454775}],"sentiment":"neutral","sentiment_score":0.14535236401626697,"num_words":26,"start":404.11502,"end":416.75},{"sentences":[{"text":"So still Hub 24, it is a little bit cheaper option, which actually means that you will save a $180 in admin fee, which is nice for basically the same access, which is you where you can see that on admin fee.","start":416.75,"end":430.875,"sentiment":"positive","sentiment_score":0.46451580950192045},{"text":"You can see that?","start":431.175,"end":432.235,"sentiment":"neutral","sentiment_score":0.13432500883936882},{"text":"Yeah.","start":433.37,"end":433.77,"sentiment":"neutral","sentiment_score":0.0044711921364068985},{"text":"Yeah.","start":433.77,"end":434.09,"sentiment":"neutral","sentiment_score":0.20017677545547485},{"text":"Perfect.","start":434.09,"end":434.49,"sentiment":"positive","sentiment_score":0.5772917866706848}],"sentiment":"positive","sentiment_score":0.4250796691571571,"num_words":49,"start":416.75,"end":434.49},{"sentences":[{"text":"So still within Hub 24.","start":434.49,"end":436.18997,"sentiment":"positive","sentiment_score":0.35723183751106263},{"text":"The only reason that we had you on the slightly more expensive option before was because the option to build that investment for you gives us more access to investment.","start":436.56998,"end":448.445,"sentiment":"neutral","sentiment_score":0.21047921205560366},{"text":"The one I have recommended now, it is a little bit more limited with investment, but the good thing is that the estimate is available there, and we still have the options of putting a range of different investments in and out of the estimate.","start":449.145,"end":461.245,"sentiment":"neutral","sentiment_score":0.31800409563713605},{"text":"So that's really good.","start":462.12,"end":463.08,"sentiment":"positive","sentiment_score":0.7660396993160248},{"text":"It basically reduced those fees a little bit for you.","start":463.08,"end":466.3,"sentiment":"positive","sentiment_score":0.6361276865005493}],"sentiment":"positive","sentiment_score":0.3386825054804695,"num_words":94,"start":434.49,"end":466.3},{"sentences":[{"text":"By making the change as well, it also reduces your investment fees, which again is really good.","start":468.04,"end":474.53998,"sentiment":"positive","sentiment_score":0.6175332542727975},{"text":"So you can kind of see as well that on a yearly basis, the total cost, you can see that the difference is about $389 in saving in just fees alone, which is your admin and investment fees, which is really good.","start":474.75998,"end":491.245,"sentiment":"positive","sentiment_score":0.44262339919805527},{"text":"Now underneath that, you can then see the five year, rolling average.","start":493.9,"end":498.88,"sentiment":"neutral","sentiment_score":0.1142671350389719},{"text":"So that is your current portfolio, using a five year historical rolling average and then the recommended.","start":499.41998,"end":508.265,"sentiment":"neutral","sentiment_score":0.10588815194718978},{"text":"So you can see that the recommended has performed a little bit better historically as well.","start":508.325,"end":513.225,"sentiment":"neutral","sentiment_score":0.22572081303223968}],"sentiment":"positive","sentiment_score":0.34491428174078465,"num_words":104,"start":468.04,"end":513.225},{"sentences":[{"text":"But, obviously, moving forward, we do think that it's going to be a a bigger difference, especially with that been a long investment in your current portfolio, which is what we wanted to swap out.","start":513.285,"end":522.05,"sentiment":"neutral","sentiment_score":-0.05439253843256405},{"text":"And on the next page, you can then actually see it broken down, the twelve month, three years, and five years, to give you a little bit more with the return on the two portfolio.","start":523.55,"end":536.82495,"sentiment":"neutral","sentiment_score":0.12956937455705234},{"text":"Can you see that?","start":537.125,"end":538.185,"sentiment":"neutral","sentiment_score":0.07347908243536949},{"text":"Yep.","start":539.285,"end":539.785,"sentiment":"neutral","sentiment_score":0.04868913814425469},{"text":"Yep.","start":539.845,"end":540.345,"sentiment":"neutral","sentiment_score":0.06948837637901306}],"sentiment":"neutral","sentiment_score":0.040043198797655735,"num_words":76,"start":513.285,"end":540.345},{"sentences":[{"text":"Perfect.","start":541.20496,"end":541.70496,"sentiment":"neutral","sentiment_score":-0.05115332081913948},{"text":"Now we have also just projected the change forward for five and ten years to show you that even though we are making the change, you are saving in those fees and the improvement in the returns, it's still making a bit of a difference when you are compounding everything to five and ten years forward for you.","start":542.725,"end":563.385,"sentiment":"positive","sentiment_score":0.4668362248560478},{"text":"The one thing I did wanted to mention is if you wanna scroll up again on page 19, it's just the capital gain text.","start":565.385,"end":573.965,"sentiment":"neutral","sentiment_score":0.03551725049813589},{"text":"Yes.","start":574.105,"end":574.505,"sentiment":"neutral","sentiment_score":0.012813043780624866},{"text":"So just back up to 19 for me.","start":574.505,"end":576.765,"sentiment":"neutral","sentiment_score":0.011097515700384974}],"sentiment":"neutral","sentiment_score":0.3041234228496804,"num_words":92,"start":541.20496,"end":576.765},{"sentences":[{"text":"On the first row where it says the balance difference, and you see 1,850 one.","start":577.18005,"end":583.36005,"sentiment":"neutral","sentiment_score":0.02571350863824288},{"text":"Yep.","start":583.5,"end":584.0,"sentiment":"neutral","sentiment_score":0.11062774062156676},{"text":"That is because we are selling some of your investment.","start":584.46,"end":588.72003,"sentiment":"neutral","sentiment_score":0.21871909350156785},{"text":"Because they have some of them have grown a bit, which is fantastic, it means that there will be capital gains tax when we are selling investment.","start":590.17505,"end":598.59503,"sentiment":"neutral","sentiment_score":0.3216923607720269},{"text":"That is that figure.","start":599.85504,"end":601.215,"sentiment":"neutral","sentiment_score":0.19217584654688835}],"sentiment":"neutral","sentiment_score":0.21294593740777487,"num_words":57,"start":577.18005,"end":601.215},{"sentences":[{"text":"So it can change a little bit, obviously, depending on when you calculated, but it is roughly around that 1,851, which is kind of the lowest capital gains with the different portfolios, which is great.","start":601.215,"end":613.72,"sentiment":"neutral","sentiment_score":0.2158203214406967},{"text":"But I do wanna let you know that if you see that come out, if you're happy with the change, it's just the tax that comes out from selling the invest.","start":613.72,"end":620.895,"sentiment":"neutral","sentiment_score":0.28913543781926554},{"text":"Investment.","start":622.17505,"end":622.67505,"sentiment":"neutral","sentiment_score":0.13372920453548431},{"text":"Yep.","start":622.815,"end":623.315,"sentiment":"neutral","sentiment_score":0.16304297745227814},{"text":"Yep.","start":623.455,"end":623.935,"sentiment":"neutral","sentiment_score":0.2524418830871582}],"sentiment":"neutral","sentiment_score":0.24733512881009476,"num_words":69,"start":601.215,"end":623.935},{"sentences":[{"text":"Perfect.","start":623.935,"end":624.435,"sentiment":"positive","sentiment_score":0.5274302959442139},{"text":"And even though with that capital gains tax, again, that five and ten years, that factors in that difference, and it still shows you that you are better off by making the change.","start":624.97504,"end":634.115,"sentiment":"neutral","sentiment_score":0.18770464532303088},{"text":"Yeah.","start":634.41,"end":634.91,"sentiment":"neutral","sentiment_score":0.10909535735845566},{"text":"But then also kind of like we said last time, the really good thing with the estimate is that it gives us that flexibility, especially when there are a lot of things in happening in the market and the world.","start":635.05,"end":646.08997,"sentiment":"positive","sentiment_score":0.3358337912708521},{"text":"It gives us that flexibility.","start":646.08997,"end":647.55,"sentiment":"neutral","sentiment_score":0.09641893357038497}],"sentiment":"neutral","sentiment_score":0.2593278158456087,"num_words":80,"start":623.935,"end":647.55},{"sentences":[{"text":"Yeah.","start":648.97,"end":649.47,"sentiment":"neutral","sentiment_score":0.07342655211687088},{"text":"Yes.","start":658.60504,"end":659.085,"sentiment":"neutral","sentiment_score":0.061896249651908875},{"text":"Not on the not on the SMA investments currently, but the good thing is that it gives us that flexibility.","start":659.085,"end":666.08997,"sentiment":"neutral","sentiment_score":0.24896262092515825},{"text":"So, obviously, with us merging with BlackRock, we obviously have our investment committee along with their investment committee, and they do, you know, extensive research on the market all the time.","start":666.23,"end":677.10504,"sentiment":"neutral","sentiment_score":0.06743034125576096},{"text":"And if there is anything that we see, like, a specific industry or sector that is going through, you know, kind of drop a little bit, it gives us the option of we can make this change really quickly with the SMA.","start":677.245,"end":689.42505,"sentiment":"neutral","sentiment_score":0.08195246161804312}],"sentiment":"neutral","sentiment_score":0.11207283354903522,"num_words":95,"start":648.97,"end":689.42505},{"sentences":[{"text":"Now you will still get notified if we make a change, but you don't have to go through this SOA process.","start":689.76996,"end":695.79,"sentiment":"neutral","sentiment_score":0.10885806913886752},{"text":"You still get notified of the change, but you don't need to sign or do anything.","start":696.01,"end":699.95,"sentiment":"neutral","sentiment_score":0.09686475433409214},{"text":"It's just for your awareness, essentially.","start":700.17,"end":702.51,"sentiment":"neutral","sentiment_score":0.07692101038992405},{"text":"So it it it makes that really good.","start":704.72504,"end":706.565,"sentiment":"positive","sentiment_score":0.6284460797905922},{"text":"Now, obviously, because you can't obviously foresee what's going to happen, if we obviously think that it's going to be more drastic changes with the market, the good thing with you being in the estimate is that allows us to make that change before before anything, you know, exactly, which is the biggest thing.","start":706.565,"end":725.01,"sentiment":"neutral","sentiment_score":0.1427741463261622}],"sentiment":"neutral","sentiment_score":0.16223575355751174,"num_words":105,"start":689.76996,"end":725.01},{"sentences":[{"text":"Exact exactly.","start":726.75,"end":728.21,"sentiment":"neutral","sentiment_score":0.01550927385687828},{"text":"And the portfolio as well with the SMA has been constructed to try to reduce volatility and even, like, reduce, you know, exchange rates between different currencies and stuff like that.","start":728.51,"end":739.205,"sentiment":"neutral","sentiment_score":0.04196157204287668},{"text":"So it takes all of that into consideration, which is a really good software that BlackRock has access to that we also have access to with the SMA is to kinda make sure that we reduce volatility fluctuations by still choosing, you know, good growth investment by trying to obviously limit that as much as possible.","start":739.205,"end":759.27997,"sentiment":"neutral","sentiment_score":0.10337813930319888},{"text":"Does that all make sense so far, Carl?","start":761.195,"end":763.295,"sentiment":"neutral","sentiment_score":0.02260909217875451},{"text":"Yes.","start":764.075,"end":764.47504,"sentiment":"neutral","sentiment_score":0.11760447919368744}],"sentiment":"neutral","sentiment_score":0.0757089826392428,"num_words":98,"start":726.75,"end":764.47504},{"sentences":[{"text":"Perfect.","start":764.47504,"end":764.97504,"sentiment":"positive","sentiment_score":0.3474183678627014},{"text":"It's kind of quite similar to what we spoke last time.","start":765.59503,"end":768.955,"sentiment":"neutral","sentiment_score":0.1998622864484787},{"text":"It's just doing the research, making sure it is the best option for you, which so far, it it definitely is.","start":768.955,"end":776.49,"sentiment":"neutral","sentiment_score":0.2381816123213087},{"text":"And the capital gains act wasn't that good great either, which is fantastic.","start":776.49,"end":780.27,"sentiment":"neutral","sentiment_score":0.054319361654611736},{"text":"Now if you scroll up for me to page 16.","start":782.25,"end":786.67,"sentiment":"neutral","sentiment_score":0.003031261917203665}],"sentiment":"neutral","sentiment_score":0.14793181603973998,"num_words":56,"start":764.47504,"end":786.67},{"sentences":[{"text":"Yes, please.","start":790.075,"end":790.97504,"sentiment":"neutral","sentiment_score":0.009040218777954578},{"text":"Yeah.","start":794.075,"end":794.55505,"sentiment":"neutral","sentiment_score":0.01138026174157858},{"text":"So you can basically see the outline of the investment changes.","start":794.55505,"end":798.655,"sentiment":"neutral","sentiment_score":0.09574951333078471},{"text":"So at the moment, you can see all your individual investment that we are changing, and we're doing a a seventy thirty split of two SMA portfolios, and that is to give you the growth portfolio, to give you that eighty twenty split by doing that.","start":798.715,"end":815.175,"sentiment":"neutral","sentiment_score":0.11914296755972116},{"text":"So at the moment here, you will see that it's the Oakview Bloom SMA and Oakview Evergreen.","start":815.175,"end":820.315,"sentiment":"neutral","sentiment_score":0.09240946129840963}],"sentiment":"neutral","sentiment_score":0.10563951552930204,"num_words":77,"start":790.075,"end":820.315},{"sentences":[{"text":"Now if you go ahead and make the change when you do log in to Hub twenty four when we've made the change, you can actually click on them, and then you will still see the underlying investment.","start":820.935,"end":831.23004,"sentiment":"neutral","sentiment_score":0.100279511589753},{"text":"So you can still see them in your account if it is, you know, that you do wanna look at what's actually underneath it as well.","start":831.23004,"end":838.21,"sentiment":"neutral","sentiment_score":0.14007381722331047},{"text":"Yep.","start":839.64496,"end":840.14496,"sentiment":"neutral","sentiment_score":0.08406828343868256},{"text":"Now if you wanna scroll down for me to page 18, it then kind of highlights that risk asset allocation, if you can see that okay.","start":841.40497,"end":851.64496,"sentiment":"neutral","sentiment_score":0.03375648850431809},{"text":"Yep.","start":851.64496,"end":852.14496,"sentiment":"neutral","sentiment_score":0.11701201647520064}],"sentiment":"neutral","sentiment_score":0.09273140966568304,"num_words":92,"start":820.935,"end":852.14496},{"sentences":[{"text":"Perfect.","start":852.285,"end":852.785,"sentiment":"positive","sentiment_score":0.3403362035751343},{"text":"Exactly.","start":854.26996,"end":854.76996,"sentiment":"neutral","sentiment_score":0.17690694332122803},{"text":"So you can see your risk profile, which is the eighty twenty split.","start":854.82996,"end":858.20996,"sentiment":"neutral","sentiment_score":0.143866445009525},{"text":"You can see your current portfolio and then the proposed, and they're both very much aligned with that growth asset allocation.","start":858.35,"end":865.57,"sentiment":"neutral","sentiment_score":0.18512346063341414},{"text":"So there's not really much changes in that.","start":865.70996,"end":868.13,"sentiment":"neutral","sentiment_score":-0.09731523878872395}],"sentiment":"neutral","sentiment_score":0.12492222034118393,"num_words":44,"start":852.285,"end":868.13},{"sentences":[{"text":"Yep.","start":869.325,"end":869.825,"sentiment":"neutral","sentiment_score":0.29771536588668823},{"text":"Perfect.","start":869.885,"end":870.385,"sentiment":"positive","sentiment_score":0.5415655970573425},{"text":"Now the the other thing I do wanna mention, though, if you do wanna have a read over the document, it will be a little bit further up where it puts everything in black and white.","start":872.045,"end":881.40497,"sentiment":"neutral","sentiment_score":0.001989863399002287},{"text":"Essentially, what we've just gone over is your salary sacrifice arrangement.","start":881.40497,"end":886.68005,"sentiment":"neutral","sentiment_score":-0.04124278871511871},{"text":"Now I know that you mentioned last time that you were interested in potentially increasing that, and I did do, the math for you.","start":886.82,"end":896.10004,"sentiment":"neutral","sentiment_score":0.004999831318855286}],"sentiment":"neutral","sentiment_score":0.007907415357456631,"num_words":73,"start":869.325,"end":896.10004},{"sentences":[{"text":"And at the moment, with, obviously, your income employer contribution and that the way that your current salary sacrifice is coming into the account, you are really close to the cap.","start":896.10004,"end":908.015,"sentiment":"neutral","sentiment_score":-0.18122548609972},{"text":"So if you actually increase it, it means that you are going to exceed the professional cap.","start":908.15497,"end":915.13,"sentiment":"negative","sentiment_score":-0.3497566177564509},{"text":"So I recommend retaining your current salary sacrifice.","start":915.13,"end":920.75,"sentiment":"neutral","sentiment_score":-0.11896346602588892},{"text":"You can you can do more contributions, but you would have to do it after tax, and it just wouldn't be as effective from a tax point of view.","start":921.52997,"end":929.225,"sentiment":"neutral","sentiment_score":-0.06990106249677724},{"text":"It would just be for the purpose of if you wanna add more to super.","start":929.225,"end":932.765,"sentiment":"neutral","sentiment_score":0.010413870215415955}],"sentiment":"neutral","sentiment_score":-0.14386483058333396,"num_words":100,"start":896.10004,"end":932.765},{"sentences":[{"text":"But salary sacrifice, I recommend just retaining the way that things are at the moment because you are very close to that 30,000 cap space, which is great.","start":933.065,"end":942.685,"sentiment":"neutral","sentiment_score":0.27470941402550253},{"text":"Oh.","start":942.72,"end":943.22,"sentiment":"neutral","sentiment_score":0.14620086550712583},{"text":"So so, yeah, you don't need to make any changes to it.","start":944.0,"end":948.18,"sentiment":"neutral","sentiment_score":0.07046000783642133},{"text":"If the cap space or anything changes next financial year, we can always reassess it.","start":948.72,"end":953.51996,"sentiment":"neutral","sentiment_score":0.03302548850576083},{"text":"But at the moment, you are in a very good position.","start":953.51996,"end":955.75995,"sentiment":"neutral","sentiment_score":0.24730328335003418}],"sentiment":"neutral","sentiment_score":0.1776015372641051,"num_words":67,"start":933.065,"end":955.75995},{"sentences":[{"text":"And if you change it, it will mean that you will exceed that cap space and have to pay more tax, which is what we wanna avoid.","start":955.75995,"end":961.725,"sentiment":"neutral","sentiment_score":-0.15236524892625986},{"text":"Exactly.","start":963.865,"end":964.365,"sentiment":"neutral","sentiment_score":-0.005437776446342468},{"text":"Now the last thing I do wanna mention there, Carl, is page 23, just where it says about remuneration.","start":966.425,"end":974.38995,"sentiment":"neutral","sentiment_score":0.03234861810740672},{"text":"Can you see that okay?","start":975.00995,"end":976.31,"sentiment":"neutral","sentiment_score":0.051324892044067386},{"text":"Yep.","start":978.44995,"end":978.85,"sentiment":"neutral","sentiment_score":0.18244817852973935}],"sentiment":"neutral","sentiment_score":-0.05784156820121801,"num_words":53,"start":955.75995,"end":978.85},{"sentences":[{"text":"Perfect.","start":978.85,"end":979.35,"sentiment":"positive","sentiment_score":0.49068140983581543},{"text":"So this just basically shows you that if you were happy to go ahead with this change, there is no additional fees at all.","start":979.49,"end":987.18994,"sentiment":"neutral","sentiment_score":0.2991671633596222},{"text":"It is all part of the ongoing advice fee, which is just that 1.65 from your balance.","start":987.515,"end":994.335,"sentiment":"neutral","sentiment_score":0.29565059612779054},{"text":"There's no changes to the percentage.","start":994.635,"end":996.575,"sentiment":"neutral","sentiment_score":0.2372484157482783},{"text":"And like I said, there is no additional fees or charges for this research or to go ahead and make the change.","start":996.635,"end":1002.61,"sentiment":"neutral","sentiment_score":0.2930568730966611}],"sentiment":"neutral","sentiment_score":0.29382135953222005,"num_words":70,"start":978.85,"end":1002.61},{"sentences":[{"text":"It is all part of that ongoing service for you.","start":1002.61,"end":1005.75,"sentiment":"positive","sentiment_score":0.41832940876483915},{"text":"And then underneath it, you will also see just the insurance premium.","start":1007.73,"end":1011.83,"sentiment":"neutral","sentiment_score":0.13235677468279997},{"text":"Again, just for compliance so that you are fully aware of all the commissions that we receive.","start":1012.05,"end":1016.855,"sentiment":"neutral","sentiment_score":0.13398449911790736},{"text":"Now we do get 22% of your premium for your insurances, but that is net life your insurer paying us.","start":1017.395,"end":1025.715,"sentiment":"neutral","sentiment_score":0.0857901705428958},{"text":"It is not you paying us.","start":1025.715,"end":1027.495,"sentiment":"neutral","sentiment_score":-0.02146575537820657}],"sentiment":"neutral","sentiment_score":0.14825108842207835,"num_words":65,"start":1002.61,"end":1027.495},{"sentences":[{"text":"Yeah.","start":1028.21,"end":1028.6901,"sentiment":"neutral","sentiment_score":0.033099934458732605},{"text":"But just for compliance, sir, you are fully across everything.","start":1028.6901,"end":1031.81,"sentiment":"neutral","sentiment_score":0.06529597528278827},{"text":"We have to disclose it and let you know.","start":1031.81,"end":1034.05,"sentiment":"neutral","sentiment_score":0.04078816498319308},{"text":"But, again, it is MetLife paying us.","start":1034.05,"end":1035.5701,"sentiment":"neutral","sentiment_score":-0.027819185384682248},{"text":"It is not you paying us.","start":1035.5701,"end":1037.03,"sentiment":"neutral","sentiment_score":-0.08790182198087375}],"sentiment":"neutral","sentiment_score":0.010030543713858633,"num_words":33,"start":1028.21,"end":1037.03},{"sentences":[{"text":"Yeah.","start":1038.13,"end":1038.63,"sentiment":"neutral","sentiment_score":0.033574990928173065},{"text":"Perfect.","start":1038.85,"end":1039.35,"sentiment":"neutral","sentiment_score":0.1898004412651062},{"text":"Yeah.","start":1040.4651,"end":1040.865,"sentiment":"neutral","sentiment_score":0.1374383270740509},{"text":"Perfect.","start":1040.865,"end":1041.365,"sentiment":"neutral","sentiment_score":0.31434667110443115},{"text":"Which is essentially everything that I needed to go through today.","start":1041.8251,"end":1046.225,"sentiment":"neutral","sentiment_score":0.08133960754441266}],"sentiment":"neutral","sentiment_score":0.1046597408906867,"num_words":15,"start":1038.13,"end":1046.225},{"sentences":[{"text":"So like I said, it was pretty straightforward.","start":1046.225,"end":1048.245,"sentiment":"positive","sentiment_score":0.38885337114334106},{"text":"Just looking at making those changes into the SMA for you, still keeping you in that growth allocation just to try to improve your super and then your retirement outcome a little bit there for you.","start":1048.865,"end":1061.49,"sentiment":"positive","sentiment_score":0.4631409106983079},{"text":"Perfect.","start":1063.79,"end":1064.27,"sentiment":"positive","sentiment_score":0.6735064387321472},{"text":"Do you have any questions, or what are your thoughts on on all this?","start":1064.27,"end":1068.53,"sentiment":"neutral","sentiment_score":0.244364787957498},{"text":"Yeah.","start":1075.8351,"end":1076.155,"sentiment":"neutral","sentiment_score":0.13331368565559387}],"sentiment":"positive","sentiment_score":0.4001971151679754,"num_words":60,"start":1046.225,"end":1076.155},{"sentences":[{"text":"Of course.","start":1076.155,"end":1076.9751,"sentiment":"neutral","sentiment_score":0.13506297767162323},{"text":"So if you click out of the link as well, you will also see a couple of other attachments.","start":1077.035,"end":1082.895,"sentiment":"neutral","sentiment_score":0.1002148856457911},{"text":"Now they are basically all the research that goes into it.","start":1083.5299,"end":1087.69,"sentiment":"neutral","sentiment_score":0.1339844377203421},{"text":"So, obviously, I have you take your time to read over as well.","start":1087.69,"end":1091.13,"sentiment":"neutral","sentiment_score":0.15481521303837115},{"text":"They are quite long.","start":1091.13,"end":1092.01,"sentiment":"neutral","sentiment_score":0.07370796427130699}],"sentiment":"neutral","sentiment_score":0.12154014743104273,"num_words":49,"start":1076.155,"end":1092.01},{"sentences":[{"text":"It's just basically all the research and everything you need to know.","start":1092.01,"end":1095.1499,"sentiment":"neutral","sentiment_score":0.1413691838582357},{"text":"It gives you there is another product disclosure statement about the SMA as well.","start":1095.735,"end":1099.935,"sentiment":"neutral","sentiment_score":0.13469638835106576},{"text":"So if you do wanna read up a little bit more, it is all in there for you.","start":1099.935,"end":1104.535,"sentiment":"neutral","sentiment_score":0.2070332918730047},{"text":"So I will obviously let you take some time to read over it.","start":1104.535,"end":1108.35,"sentiment":"neutral","sentiment_score":0.26381727250722736},{"text":"If you do have any questions as you read through it, just just give me a call.","start":1108.35,"end":1112.69,"sentiment":"neutral","sentiment_score":0.17072217254077687}],"sentiment":"neutral","sentiment_score":0.18433351855020266,"num_words":74,"start":1092.01,"end":1112.69},{"sentences":[{"text":"Otherwise, if you do read through it and you are happy with everything, if you sign the documents digitally, I will then get notified, and then I can let the team know to go ahead and make this change for you.","start":1113.3099,"end":1126.205,"sentiment":"neutral","sentiment_score":0.24697248019823215},{"text":"Yep.","start":1126.205,"end":1126.705,"sentiment":"neutral","sentiment_score":0.21191030740737915},{"text":"Perfect.","start":1126.845,"end":1127.245,"sentiment":"positive","sentiment_score":0.37494128942489624},{"text":"Do you have any questions for me before I let you go otherwise?","start":1127.245,"end":1130.625,"sentiment":"neutral","sentiment_score":0.1073835133933104},{"text":"No?","start":1132.6849,"end":1133.1849,"sentiment":"neutral","sentiment_score":-0.06042223423719406}],"sentiment":"neutral","sentiment_score":0.21137345131290586,"num_words":57,"start":1113.3099,"end":1133.1849},{"sentences":[{"text":"Yes.","start":1136.3,"end":1136.8,"sentiment":"neutral","sentiment_score":0.026035567745566368},{"text":"Very yes.","start":1138.22,"end":1139.52,"sentiment":"neutral","sentiment_score":-0.0024349060840904704},{"text":"And that is one of the biggest you know, there are a lot of benefits with the SMA, but that is one of the biggest things, especially in today's market condition, is that we can very quickly make those changes.","start":1140.14,"end":1150.08,"sentiment":"neutral","sentiment_score":0.2063232799526304},{"text":"Because, obviously, me doing all this research took a couple of weeks.","start":1150.615,"end":1153.6749,"sentiment":"neutral","sentiment_score":0.030926286553343136},{"text":"So if it was a situation otherwise, it would have been the same.","start":1153.735,"end":1157.1749,"sentiment":"neutral","sentiment_score":-0.019491504197223827}],"sentiment":"neutral","sentiment_score":0.12340915937880602,"num_words":68,"start":1136.3,"end":1157.1749},{"sentences":[{"text":"And then sometimes you have to react a bit quicker, to avoid, obviously, things dropping or potentially good 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speaking.","start":1191.207,"end":1192.427,"sentiment":"positive","sentiment_score":0.7157403975725174},{"text":"Bye.","start":1194.327,"end":1194.827,"sentiment":"neutral","sentiment_score":0.15795296430587769}],"sentiment":"positive","sentiment_score":0.7101949323778567,"num_words":23,"start":1185.4651,"end":1194.827}]}}]},{"alternatives":[{"transcript":"Hello, Veronica. It's Carl speaking. Good. Yeah. Yeah. I just answered it and you just probably just hanged up. Yeah. Yeah. Now it's good. Yes. Okay. No. No. It's not too bad, actually. I was just getting I just got up. I I work afternoon. So yep. Sorry? No. No. No. I was yep. Okay. So I clicked into it and say, where do I click on to? Oh, yeah. Yep. Yep. Yes. Yes. Yep. Yeah. Yeah. Yeah. Yep. Okay. Yep. No. That's pretty much that's pretty much good. Yeah. Yeah. Yeah. Yep. Yep. Yep. No. No. It's I'm happy with it. Yep. Yep. Yeah. I hadn't seen yet. Yep. Okay. Yep. Yeah. Mhmm. Yep. Okay. Yeah. Yeah. Yeah. Sorry. Yeah. Yep. 19. Sorry. Yep. Yep. Yeah. Yeah. Yeah. Yep. Yeah. Yeah. I'll get that. Still. Yeah. Yeah. That was my next question. Yeah. That was my next question with all that's going on. Is it yeah. Is it hasn't affected much. Yeah. Yep. Yep. Yep. Good. Change. Yeah. Exactly. Yes. No. I understand. Yes. Because it well, it says Volapol that you do need to. Yep. Yep. Yep. Mhmm. Yeah. Yes. Sorry. 16. Yep. Yes. Yes. Yes. Yep. Okay. Yeah. And the pie dough yeah. Pie dough. Yeah. Pie dough. Yeah. Yes. Yeah. Yep. Oh. Yep. Yep. Oh, okay. Yeah. Text. Yeah. I don't wanna do that. 23. Yep. Yeah. Yeah. Yep. Me. Okay. Yeah. Yeah. Understood. I see that paid by name. Yeah. Yep. No. That's cool. No. No. That's being impressive. I'm gonna take a day or two just to read us all through and then yeah. Yep. Yes. Yep. Alright. Okay. Cool. No. No. I was I was just happy that you said with the flick there is flexibility, you know, when if it if the market does tend tend to turn. Yeah. Yes. Yes, Yep. Yes. Yep. Yep. No. No. That's cool. Yep. Yeah. You you should get not about the end of the week. Yep. Cool. Thank you, Veronica. K. Bye bye. 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Veronica. It's Carl speaking. Good. Yeah. Yeah.\n\nI just answered it and you just probably just hanged up. Yeah. Yeah. Now it's good. Yes.\n\nOkay. No. No. It's not too bad, actually. I was just getting I just got up.\n\nI I work afternoon. So yep. Sorry? No. No.\n\nNo. I was yep. Okay. So I clicked into it and say, where do I click on to? Oh, yeah.\n\nYep. Yep. Yes. Yes. Yep.\n\nYeah. Yeah. Yeah. Yep. Okay.\n\nYep. No. That's pretty much that's pretty much good. Yeah. Yeah.\n\nYeah. Yep. Yep. Yep. No.\n\nNo. It's I'm happy with it. Yep. Yep. Yeah.\n\nI hadn't seen yet. Yep. Okay. Yep. Yeah.\n\nMhmm. Yep. Okay. Yeah. Yeah.\n\nYeah. Sorry. Yeah. Yep. 19.\n\nSorry. Yep. Yep. Yeah. Yeah.\n\nYeah. Yep. Yeah. Yeah. I'll get that.\n\nStill. Yeah. Yeah. That was my next question. Yeah.\n\nThat was my next question with all that's going on. Is it yeah. Is it hasn't affected much. Yeah. Yep.\n\nYep. Yep. Good. Change. Yeah.\n\nExactly. Yes. No. I understand. Yes.\n\nBecause it well, it says Volapol that you do need to. Yep. Yep. Yep. Mhmm.\n\nYeah. Yes. Sorry. 16. Yep.\n\nYes. Yes. Yes. Yep. Okay.\n\nYeah. And the pie dough yeah. Pie dough. Yeah. Pie dough.\n\nYeah. Yes. Yeah. Yep. Oh.\n\nYep. Yep. Oh, okay. Yeah. Text.\n\nYeah. I don't wanna do that. 23. Yep. Yeah.\n\nYeah. Yep. Me. Okay. Yeah.\n\nYeah. Understood. I see that paid by name. Yeah. Yep.\n\nNo. That's cool. No. No. That's being impressive.\n\nI'm gonna take a day or two just to read us all through and then yeah. Yep. Yes. Yep. Alright.\n\nOkay. Cool. No. No. I was I was just happy that you said with the flick there is flexibility, you know, when if it if the market does tend tend to turn.\n\nYeah. Yes. Yes, Yep. Yes. Yep.\n\nYep. No. No. That's cool. Yep.\n\nYeah. You you should get not about the end of the week. Yep. Cool. Thank you, Veronica.\n\nK. Bye bye. 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Veronica.","start":1189.74,"end":1190.7201,"sentiment":"positive","sentiment_score":0.7271758913993835}],"sentiment":"neutral","sentiment_score":0.21492654216640136,"num_words":17,"start":1180.7001,"end":1190.7201},{"sentences":[{"text":"K.","start":1193.067,"end":1193.467,"sentiment":"neutral","sentiment_score":0.18883368372917175},{"text":"Bye bye.","start":1193.467,"end":1194.127,"sentiment":"neutral","sentiment_score":0.17489555478096008},{"text":"K.","start":1194.507,"end":1195.007,"sentiment":"neutral","sentiment_score":-0.1157047674059868}],"sentiment":"neutral","sentiment_score":0.10573000647127628,"num_words":4,"start":1193.067,"end":1195.007}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Good morning. This is Monica speaking.\n\nChannel 1: Hello, Veronica. It's Carl speaking.\n\nChannel 0: Hi. How are you?\n\nChannel 1: Good.\n\nChannel 0: That's great. Thanks for returning my callback.\n\nChannel 1: Yeah. Yeah. I just answered it and you just probably just hanged up.\n\nChannel 0: Yes. I had you booked in just to go over the strategy recommendations after our last catch up. Is not still a good time for you?\n\nChannel 1: Yeah. Yeah. Now it's good.\n\nChannel 0: Yes. Okay. Perfect. Now what I'm going to do is I'm just going to send you an email, with some documents to go through. Do you have access to your emails at the moment there, Carl?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Okay. Perfect. So just kind of similar to last time, that's just been sent on my end. So just let me know when that one comes through to you.\n\nChannel 1: Okay.\n\nChannel 0: Have you had a busy morning so far?\n\nChannel 1: No. No. It's not too bad, actually. I was just getting I just got up. I I work afternoon.\n\nSo\n\nChannel 0: Yes. It didn't\n\nChannel 1: yep.\n\nChannel 0: wake you up?\n\nChannel 1: Sorry?\n\nChannel 0: It didn't wake you up?\n\nChannel 1: No. No. No. I\n\nChannel 0: No.\n\nChannel 1: was\n\nChannel 0: Perfect. Did that one come through okay there, Carl?\n\nChannel 1: yep.\n\nChannel 0: Yes. Perfect. Now if you can click on the email for me and then click on the link, it should then allow you to open up that statement of advice. So just let me let me know when you can see that cover page. Okay?\n\nChannel 1: Okay. So I clicked into it and say,\n\nChannel 0: Yes.\n\nChannel 1: where do I click on to?\n\nChannel 0: It should just be once you click on the sign here, it will allow you to open the document and view it fast.\n\nChannel 1: Oh, yeah.\n\nChannel 0: And then it should say statement of the device on, like, the\n\nChannel 1: Yep.\n\nChannel 0: cover page. Yeah. Perfect. Now it is pretty straightforward today just to kind of go through the recommendations that we kind of talked a little bit about last time. So I'll try to do this as quickly as I can for you, but, you know, if you do have any other questions as I go through, just let me know.\n\nYep. Now on the cover page here, you can see that this has been prepared just for yourself. It has been prepared by me. And at the bottom of that page, you can see my authorized representative number there, and I am licensed under o two Financial.\n\nChannel 1: Yep.\n\nChannel 0: Now on the second page, you will see where it says the best interest duty. Can you see that okay?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect. Now this here basically just means 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, they cannot actually make the recommendation. Does that make sense?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect. Now as you scroll through, you will see table of contents, pretty self explanatory, which then takes us to scope of advice. So that is page three. Can you see that?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. So like I said, it is pretty straightforward today. The only thing we are looking at is your superannuation to see if we could improve the returns and the performance a little bit, make some couple of changes to your superannuation, and then also consider if the, SMA that we talked about was going to be a good option for you. Do you kind of remember that conversation?\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: Yep. Yep. Perfect. So that is essentially what we are looking at today. On the next page, you can see that we're not making any changes in regards to your insurances.\n\nYou're quite happy with them. They are affordable and covers your needs, so not making any changes. It's literally just in regards to your superannuation.\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: Okay.\n\nChannel 0: Perfect. Now as you scroll through for me, you will see on page six and seven two tables, just a little bit about some information about you. If you could just\n\nChannel 1: Yep.\n\nChannel 0: have a quick read over that for me just to see if that's all up to date or if there is anything that needs changing. We'll\n\nChannel 1: No.\n\nChannel 0: up\n\nChannel 1: That's pretty much\n\nChannel 0: that\n\nChannel 1: that's\n\nChannel 0: looks\n\nChannel 1: pretty much\n\nChannel 0: good.\n\nChannel 1: good.\n\nChannel 0: Yep. Perfect. Which then takes us to page\n\nChannel 1: Yeah.\n\nChannel 0: eight. Now this just outlines your current superannuation in hub twenty four, your current balance as well. And then underneath that, you can see your MetLife insurance, and you do have your life total permanent disability and income protection with MetLife paid from within superannuation for you.\n\nChannel 1: Yeah.\n\nChannel 0: Now on the next two pages, there is a little bit of information in regards to your risk profile. Did you kind of remember going through the risk profile last time, kind of how you felt about, you know, fluctuations and level of risk that you're comfortable with in superannuation?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Perfect. So we're not making any changes through that. We are keeping you within the growth portfolio. You were quite comfortable with that.\n\nIt is a good time frame for when you are looking at retiring with, obviously, the focus of trying to maximize that growth as much as possible. Having about that 80% in your growth investments and about 20 in the sense that fluctuations a little bit are still obviously focusing on maximizing that long term growth.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now on the next page, the page 11, it kind of outlines the the recommendation for you. So I did consider and review your hub twenty four just to make sure that was still going to be the best super fund for you or if there were any other options that was better or more competitive. And at the moment, hub twenty four still very much is a really good option for you.\n\nThey have a\n\nChannel 1: Yep.\n\nChannel 0: lot of flexibility with investment choices. They are very competitive with pricing as well. And I actually use Hub twenty four for my personal super as well.\n\nChannel 1: Yep. No. No.\n\nChannel 0: So\n\nChannel 1: It's I'm happy with it.\n\nChannel 0: yeah. Perfect. I'm not making any changes there for you. I have recommended, however, that we move you into the SMA. Now if you wanna scroll through to page 19 for me, it just shows it a bit more clearly where all the numbers are.\n\nSo there'll be a table on page 19.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. You can see that okay?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Perfect. So with the the SMA, it is actually available on a slightly cheaper product offering in Hub 24. So still Hub 24, it is a little bit cheaper option, which actually means that you will save a $180 in admin fee, which is nice for basically the same access, which is you where you can see that on admin fee. You can see that?\n\nChannel 1: Yeah. I hadn't seen\n\nChannel 0: Yeah.\n\nChannel 1: yet.\n\nChannel 0: Yeah. Perfect. So still within Hub 24. The only reason that we had you on the slightly more expensive option before was because the option to build that investment for you gives us more access to investment. The one I have recommended now, it is a little bit more limited with investment, but the good thing is that the estimate is available there, and we still have the options of putting a range of different investments in and out of the estimate.\n\nSo that's really good. It basically reduced those fees a little bit for you.\n\nChannel 1: Yep. Okay.\n\nChannel 0: By making the change as well, it also reduces your investment fees, which again is really good. So you can kind of see as well that on a yearly basis, the total cost, you can see that the difference is about $389 in saving in just fees alone, which is your\n\nChannel 1: Yep.\n\nChannel 0: admin and investment fees, which\n\nChannel 1: Yeah.\n\nChannel 0: is really good. Now underneath that, you can then see the five year, rolling average. So that is your current portfolio, using a five year historical rolling average and then\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: the recommended. So you can see that the recommended has performed a little bit better historically as well. But, obviously, moving forward, we do think that it's going to be a a bigger difference, especially with that been a long investment in your current portfolio, which is what we wanted to swap out.\n\nChannel 1: Okay.\n\nChannel 0: And on the next page, you can then actually see it broken down, the twelve month, three years, and five years, to give you a little bit more with the return on the two portfolio. Can you see that?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. Sorry. Yeah.\n\nChannel 0: Yep. Perfect. Now we have also just projected the change forward for five and ten years to show you that even though we are making the change, you are saving in those fees and the improvement in the returns, it's still making a bit of a difference when you are compounding everything to five and ten years forward for you.\n\nChannel 1: Yep.\n\nChannel 0: The one thing I did wanted to mention is if you wanna scroll up again on page 19, it's just the capital\n\nChannel 1: 19.\n\nChannel 0: gain\n\nChannel 1: Sorry.\n\nChannel 0: text. Yes. So just back up to 19 for me.\n\nChannel 1: Yep.\n\nChannel 0: On\n\nChannel 1: Yep.\n\nChannel 0: the first row where it says the balance difference, and you see 1,850\n\nChannel 1: Yeah.\n\nChannel 0: one. Yep. That is because we are selling some of your investment. Because they have some of them have grown a bit, which is fantastic, it means that there will be capital gains tax when we are selling\n\nChannel 1: Yeah.\n\nChannel 0: investment.\n\nChannel 1: Yeah.\n\nChannel 0: That is that figure. So it can change a little bit, obviously, depending on when you calculated, but it is roughly around that 1,851, which is kind of the lowest capital gains with the different portfolios, which is great. But I do wanna let you know that if you see that come out, if you're happy with the change, it's just the tax that comes out from selling the invest.\n\nChannel 1: Yep. Yeah. Yeah.\n\nChannel 0: Investment.\n\nChannel 1: I'll get that.\n\nChannel 0: Yep. Yep. Perfect. And even though with that capital gains tax, again, that five and ten years, that factors in that difference, and it still shows you that you are better off by making\n\nChannel 1: Still.\n\nChannel 0: the\n\nChannel 1: Yeah.\n\nChannel 0: change. Yeah. But then also kind of like we said last time, the really good thing with the estimate is that it gives us that flexibility, especially when there are a lot of things in happening in the market and the world.\n\nChannel 1: Yeah.\n\nChannel 0: It gives\n\nChannel 1: That\n\nChannel 0: us\n\nChannel 1: was\n\nChannel 0: that\n\nChannel 1: my next\n\nChannel 0: flexibility.\n\nChannel 1: question.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. That was my next question with all that's going on. Is it yeah. Is it hasn't affected much.\n\nChannel 0: Yes. Not on the not on the SMA investments\n\nChannel 1: Yeah.\n\nChannel 0: currently, but the good thing is that it gives us that flexibility. So, obviously, with us merging with BlackRock, we obviously have our investment committee along with their investment committee, and they do,\n\nChannel 1: Yep.\n\nChannel 0: you know, extensive research on the market all the time. And if there is anything that we see, like, a specific industry or sector that is going through, you know, kind of drop a little bit, it gives us the option of we can make this change really quickly with the SMA. Now you will still get notified if we make a change, but you don't have to go through this SOA process. You still get notified of the change, but you don't need to sign or do anything. It's just for your awareness, essentially.\n\nChannel 1: Yep. Yep. Good.\n\nChannel 0: So it it it makes that really good. Now, obviously, because you can't obviously foresee what's going to happen, if we obviously think that it's going to be more drastic changes with the market, the good thing with you being in the estimate is that allows us to make that change before\n\nChannel 1: Change.\n\nChannel 0: before anything,\n\nChannel 1: Yeah.\n\nChannel 0: you know, exactly,\n\nChannel 1: Exactly.\n\nChannel 0: which\n\nChannel 1: Yes.\n\nChannel 0: is\n\nChannel 1: No.\n\nChannel 0: the\n\nChannel 1: I understand. Yes.\n\nChannel 0: biggest\n\nChannel 1: Because it well, it\n\nChannel 0: thing.\n\nChannel 1: says Volapol that you do need\n\nChannel 0: Exact\n\nChannel 1: to.\n\nChannel 0: exactly. And the portfolio as well with the SMA has been constructed to try to reduce volatility and even, like, reduce, you know, exchange rates between different currencies and stuff like that. So it takes all of that into consideration, which is\n\nChannel 1: Yep.\n\nChannel 0: a really good software that BlackRock has access to that we also have access to with the SMA is to kinda make sure that we reduce volatility fluctuations by still choosing, you know, good growth investment by trying\n\nChannel 1: Yep.\n\nChannel 0: to obviously limit that as much as possible. Does that all\n\nChannel 1: Yep.\n\nChannel 0: make sense so far,\n\nChannel 1: Mhmm.\n\nChannel 0: Carl?\n\nChannel 1: Yeah.\n\nChannel 0: Yes. Perfect. It's kind of quite similar to what we spoke last time. It's just doing the research, making sure it is the best option for you,\n\nChannel 1: Yes.\n\nChannel 0: which so far, it it definitely is. And the capital gains act wasn't that good great either, which is fantastic. Now if you scroll up for me to page 16.\n\nChannel 1: Sorry. 16.\n\nChannel 0: Yes, please.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. So you can\n\nChannel 1: Yes.\n\nChannel 0: basically see the outline of the investment changes. So at the moment, you can see all your individual investment that we are changing, and we're doing a a seventy thirty split of two SMA portfolios, and that is to give you the growth portfolio, to give you that eighty twenty split by\n\nChannel 1: Yes.\n\nChannel 0: doing that. So at the moment here, you\n\nChannel 1: Yes.\n\nChannel 0: will see that it's the Oakview Bloom SMA and Oakview Evergreen. Now if you go ahead and make\n\nChannel 1: Yep.\n\nChannel 0: the change when you do log in to Hub twenty four when we've made the change, you can actually click on them, and then you will still see the underlying investment. So you can still see them in your account if it is, you know, that you do wanna look at what's actually underneath it as well.\n\nChannel 1: Okay.\n\nChannel 0: Yep. Now if you wanna scroll down for me to page 18, it then kind of highlights that risk asset allocation, if you can see\n\nChannel 1: Yeah.\n\nChannel 0: that okay. Yep.\n\nChannel 1: And the pie\n\nChannel 0: Perfect.\n\nChannel 1: dough yeah. Pie dough. Yeah. Pie dough. Yeah.\n\nChannel 0: Exactly. So you can see your risk profile, which is the eighty twenty split. You can see your current portfolio and then the proposed, and they're both very much aligned with that growth asset allocation. So there's not really much changes in that.\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect. Now the the other thing I do wanna mention, though, if you do wanna have a read over the document, it will be a little bit further up where it puts everything in black and white. Essentially, what we've just gone over is your salary sacrifice arrangement. Now I know that you mentioned last time that you were interested in potentially increasing that,\n\nChannel 1: Yeah.\n\nChannel 0: and I did do, the math for you. And at the moment, with, obviously, your income employer contribution and that the way that your current salary sacrifice is coming into the account, you\n\nChannel 1: Yep.\n\nChannel 0: are really close to the cap. So if you actually increase it, it means that you are going to exceed the professional cap. So I recommend retaining your current\n\nChannel 1: Oh. Yep.\n\nChannel 0: salary sacrifice.\n\nChannel 1: Yep.\n\nChannel 0: You can you can do more contributions, but you would have to do it after tax, and it just wouldn't be as effective from a tax point of view. It would just be for the purpose of if you wanna add more to super. But salary sacrifice, I recommend just retaining the way that things are at the moment because you are very close to that 30,000 cap space, which is great.\n\nChannel 1: Oh,\n\nChannel 0: Oh.\n\nChannel 1: okay.\n\nChannel 0: So so, yeah, you don't need to make any changes to it.\n\nChannel 1: Yeah.\n\nChannel 0: If the cap space or anything changes next financial year, we can always reassess it. But at the moment, you are in a very good position. And if you change it, it will mean that you will exceed that cap space and have to pay more tax, which is what we\n\nChannel 1: Text.\n\nChannel 0: wanna avoid.\n\nChannel 1: Yeah. I don't wanna do that.\n\nChannel 0: Exactly. Now the last thing I do wanna mention there, Carl, is page 23, just where it says about remuneration. Can you see that okay?\n\nChannel 1: 23. Yep.\n\nChannel 0: Yep. Perfect. So this just basically shows you that if you were happy to go ahead with this change, there is no additional fees at all. It is all part of the ongoing advice fee, which is just that 1.65 from your\n\nChannel 1: Yeah.\n\nChannel 0: balance. There's no changes to the percentage. And like I said, there is no additional fees or charges for this research or to go ahead and make the change. It is all part of that ongoing service for you.\n\nChannel 1: Yeah.\n\nChannel 0: And then underneath it, you will also see just the insurance premium. Again, just for compliance so that you are fully aware of all the commissions that we receive. Now we do get 22% of your premium for your insurances, but that\n\nChannel 1: Yep.\n\nChannel 0: is net life your insurer paying us. It is not you paying us.\n\nChannel 1: Me. Okay.\n\nChannel 0: Yeah. But just for compliance, sir, you are fully across everything. We have to disclose it and let you know. But, again, it is MetLife paying us. It is not you paying us.\n\nChannel 1: Yeah. Yeah. Understood.\n\nChannel 0: Yeah.\n\nChannel 1: I see\n\nChannel 0: Perfect.\n\nChannel 1: that paid by\n\nChannel 0: Yeah. Perfect. Which is essentially everything\n\nChannel 1: name.\n\nChannel 0: that\n\nChannel 1: Yeah.\n\nChannel 0: I needed to go through today. So like I said, it was pretty straightforward. Just looking at making those changes into the SMA for you, still keeping you in that growth allocation just to try to improve your super and then your retirement outcome a little bit there for you.\n\nChannel 1: Yep. No. That's cool.\n\nChannel 0: Perfect. Do you have any questions, or what are your thoughts on on all this?\n\nChannel 1: No. No. That's being impressive. I'm gonna take a day or two just to read us all through and then\n\nChannel 0: Yeah. Of course. So\n\nChannel 1: yeah.\n\nChannel 0: if you click out of the link as well, you will also see a couple of other attachments. Now they\n\nChannel 1: Yep.\n\nChannel 0: are basically all the research that goes into it. So, obviously, I have you take your time to read over as well. They are quite long. It's just basically all the research and everything you need to know. It gives you there is another product disclosure statement about the SMA as well.\n\nSo if you do wanna read up a little bit more, it\n\nChannel 1: Yes.\n\nChannel 0: is all in there for you. So I will obviously let you take some time to read over it. If you do have any questions as you read through it, just just give me a call. Otherwise, if you do read through it and you are happy with everything,\n\nChannel 1: Yep.\n\nChannel 0: if you sign the documents digitally, I will then get notified, and then I can let the team know to go ahead and make this change for\n\nChannel 1: Alright. Okay.\n\nChannel 0: you. Yep. Perfect. Do you have any questions for me before I let you go otherwise?\n\nChannel 1: Cool. No. No. I was I was just\n\nChannel 0: No?\n\nChannel 1: happy that you said with the flick there is flexibility, you\n\nChannel 0: Yes.\n\nChannel 1: know, when if it if the market does\n\nChannel 0: Very\n\nChannel 1: tend tend\n\nChannel 0: yes.\n\nChannel 1: to turn.\n\nChannel 0: And that is one of the biggest\n\nChannel 1: Yeah.\n\nChannel 0: you know, there are a lot of benefits with the SMA, but that is one of the biggest things, especially in today's market condition, is\n\nChannel 1: Yes.\n\nChannel 0: that we can very quickly make those changes.\n\nChannel 1: Yes,\n\nChannel 0: Because, obviously, me doing all this research took a couple of weeks. So if it was\n\nChannel 1: Yep.\n\nChannel 0: a situation otherwise, it would have been the same. And then sometimes you have to react a bit quicker, to avoid,\n\nChannel 1: Yes.\n\nChannel 0: obviously, things dropping or potentially good opportunities to buy in. So the\n\nChannel 1: Yep.\n\nChannel 0: estimate gives us that flexibility, which is really good.\n\nChannel 1: Yep. No. No. That's\n\nChannel 0: Yeah.\n\nChannel 1: cool.\n\nChannel 0: Perfect. Well, I will let you go, and enjoy the rest of your day. And I will keep a lookout for that documents to come through or\n\nChannel 1: Yep.\n\nChannel 0: call from you if you have any questions.\n\nChannel 1: Yeah. You\n\nChannel 0: Yeah.\n\nChannel 1: you should get not about the end of the week.\n\nChannel 0: Yeah. Great. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: Well,\n\nChannel 1: Cool.\n\nChannel 0: you enjoy the rest of your day, and I look forward to speaking with you soon again.\n\nChannel 1: Thank you, Veronica.\n\nChannel 0: Thank you for speaking.\n\nChannel 1: K. Bye bye.\n\nChannel 0: Bye.\n\nChannel 1: K.","paragraphs":[{"sentences":[{"text":"Good morning.","start":1.52,"end":2.08,"sentiment":"neutral","sentiment_score":0.20211173593997955},{"text":"This is Monica speaking.","start":2.08,"end":3.3,"sentiment":"neutral","sentiment_score":0.09831448085606098}],"sentiment":"neutral","sentiment_score":0.13291356588403383,"channel":0,"num_words":6,"start":1.52,"end":3.3},{"sentences":[{"text":"Hello, Veronica.","start":5.3599997,"end":6.18,"sentiment":"neutral","sentiment_score":0.08781927824020386},{"text":"It's Carl speaking.","start":6.24,"end":7.2999997,"sentiment":"neutral","sentiment_score":0.06291730081041653}],"sentiment":"neutral","sentiment_score":0.07287809178233147,"channel":1,"num_words":5,"start":5.3599997,"end":7.2999997},{"sentences":[{"text":"Hi.","start":7.8399997,"end":8.08,"sentiment":"neutral","sentiment_score":0.16270433366298676},{"text":"How are you?","start":8.08,"end":8.9,"sentiment":"neutral","sentiment_score":0.17184347410996756}],"sentiment":"neutral","sentiment_score":0.16955868899822235,"channel":0,"num_words":4,"start":7.8399997,"end":8.9},{"sentences":[{"text":"Good.","start":9.679999,"end":10.179999,"sentiment":"positive","sentiment_score":0.6107896566390991}],"sentiment":"positive","sentiment_score":0.6107896566390991,"channel":1,"num_words":1,"start":9.679999,"end":10.179999},{"sentences":[{"text":"That's great.","start":10.8,"end":11.599999,"sentiment":"positive","sentiment_score":0.7558652460575104},{"text":"Thanks for returning my callback.","start":11.599999,"end":13.38,"sentiment":"positive","sentiment_score":0.6745669722557068}],"sentiment":"positive","sentiment_score":0.6977950504847935,"channel":0,"num_words":7,"start":10.8,"end":13.38},{"sentences":[{"text":"Yeah.","start":14.885,"end":15.045,"sentiment":"neutral","sentiment_score":0.10183006525039671},{"text":"Yeah.","start":15.045,"end":15.205,"sentiment":"neutral","sentiment_score":0.022349530830979347},{"text":"I just answered it and you just probably just hanged up.","start":15.205,"end":17.865,"sentiment":"neutral","sentiment_score":-0.07556274397806688}],"sentiment":"neutral","sentiment_score":-0.05438542982133535,"channel":1,"num_words":13,"start":14.885,"end":17.865},{"sentences":[{"text":"Yes.","start":18.965,"end":19.465,"sentiment":"neutral","sentiment_score":-0.0018403660506010056},{"text":"I had you booked in just to go over the strategy recommendations after our last catch up.","start":20.965,"end":26.085,"sentiment":"neutral","sentiment_score":-0.009388247614397723},{"text":"Is not still a good time for you?","start":26.085,"end":27.63,"sentiment":"neutral","sentiment_score":-0.11526618665084243}],"sentiment":"neutral","sentiment_score":-0.041675771873157755,"channel":0,"num_words":26,"start":18.965,"end":27.63},{"sentences":[{"text":"Yeah.","start":28.085,"end":28.244999,"sentiment":"neutral","sentiment_score":0.07215282320976257},{"text":"Yeah.","start":28.244999,"end":28.485,"sentiment":"neutral","sentiment_score":0.13044977188110352},{"text":"Now it's 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Carl?","start":38.51,"end":42.05,"sentiment":"neutral","sentiment_score":0.036416076201324664}],"sentiment":"neutral","sentiment_score":0.09870387512880067,"channel":0,"num_words":36,"start":29.07,"end":42.05},{"sentences":[{"text":"Yes.","start":42.26,"end":42.76,"sentiment":"neutral","sentiment_score":0.06730499118566513}],"sentiment":"neutral","sentiment_score":0.06730499118566513,"channel":1,"num_words":1,"start":42.26,"end":42.76},{"sentences":[{"text":"Yep.","start":43.094997,"end":43.414997,"sentiment":"neutral","sentiment_score":0.07902966439723969},{"text":"Okay.","start":43.414997,"end":43.815,"sentiment":"neutral","sentiment_score":0.1423327773809433},{"text":"Perfect.","start":43.815,"end":44.315,"sentiment":"neutral","sentiment_score":0.31078076362609863},{"text":"So just kind of similar to last time, that's just been sent on my end.","start":44.774998,"end":51.274998,"sentiment":"neutral","sentiment_score":0.20336290895938874},{"text":"So just let me know when that one comes through to you.","start":51.815,"end":54.555,"sentiment":"neutral","sentiment_score":0.17288904016216597}],"sentiment":"neutral","sentiment_score":0.18857517739137014,"channel":0,"num_words":30,"start":43.094997,"end":54.555},{"sentences":[{"text":"Okay.","start":55.135,"end":55.635,"sentiment":"neutral","sentiment_score":0.030960747972130775}],"sentiment":"neutral","sentiment_score":0.030960747972130775,"channel":1,"num_words":1,"start":55.135,"end":55.635},{"sentences":[{"text":"Have you had a busy morning so far?","start":59.969997,"end":61.91,"sentiment":"neutral","sentiment_score":0.00504928408190608}],"sentiment":"neutral","sentiment_score":0.00504928408190608,"channel":0,"num_words":8,"start":59.969997,"end":61.91},{"sentences":[{"text":"No.","start":63.559998,"end":63.8,"sentiment":"neutral","sentiment_score":-0.033761441707611084},{"text":"No.","start":63.8,"end":64.04,"sentiment":"neutral","sentiment_score":-0.02597483992576599},{"text":"It's not too bad, 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that one come through okay there, Carl?","start":81.15,"end":83.01,"sentiment":"neutral","sentiment_score":0.03187627741135657}],"sentiment":"neutral","sentiment_score":0.030135909509327676,"channel":0,"num_words":9,"start":80.11,"end":83.01},{"sentences":[{"text":"yep.","start":83.485,"end":83.985,"sentiment":"neutral","sentiment_score":0.03671702370047569}],"sentiment":"neutral","sentiment_score":0.03671702370047569,"channel":1,"num_words":1,"start":83.485,"end":83.985},{"sentences":[{"text":"Yes.","start":84.03001,"end":84.53001,"sentiment":"neutral","sentiment_score":0.12109769135713576},{"text":"Perfect.","start":84.590004,"end":85.090004,"sentiment":"neutral","sentiment_score":0.26130878925323486},{"text":"Now if you can click on the email for me and then click on the link, it should then allow you to open up that statement of advice.","start":85.39,"end":95.425,"sentiment":"neutral","sentiment_score":0.1606460607477597},{"text":"So just let me let me know when you can see that cover page.","start":95.485,"end":98.685005,"sentiment":"neutral","sentiment_score":0.11188536403434617},{"text":"Okay?","start":98.685005,"end":99.185005,"sentiment":"neutral","sentiment_score":0.06472136825323105}],"sentiment":"neutral","sentiment_score":0.14470250325070488,"channel":0,"num_words":45,"start":84.03001,"end":99.185005},{"sentences":[{"text":"Okay.","start":99.935,"end":100.435,"sentiment":"neutral","sentiment_score":0.0609399788081646},{"text":"So I clicked into it and say,","start":100.814995,"end":102.735,"sentiment":"neutral","sentiment_score":0.059955909848213196}],"sentiment":"neutral","sentiment_score":0.06007891846820712,"channel":1,"num_words":8,"start":99.935,"end":102.735},{"sentences":[{"text":"Yes.","start":102.685005,"end":103.185005,"sentiment":"neutral","sentiment_score":0.04633484035730362}],"sentiment":"neutral","sentiment_score":0.04633484035730362,"channel":0,"num_words":1,"start":102.685005,"end":103.185005},{"sentences":[{"text":"where do I click 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She recommends moving into the SMA program, which is cheaper and has lower fees, and provides information on retirement plans and capital gains tax. The speaker emphasizes reducing volatility and reducing volatility for the customer, highlighting the importance of reducing risk asset allocation and reducing volatility for the portfolio. The customer will receive a product disclosure statement and a call from the team if they read through the document."},"intents":{"segments":[{"text":"I had you booked in just to go over the strategy recommendations after our last catch up. Is not still a good time for you? Yeah.","start_word":37,"end_word":62,"intents":[{"intent":"Provide strategy recommendations","confidence_score":0.0023335526}]},{"text":"Now what I'm going to do is I'm just going to send you an email, with some documents to go through. Do you have access to your emails at the moment there, Carl?","start_word":70,"end_word":102,"intents":[{"intent":"Request email","confidence_score":0.00086466764}]},{"text":"Do you have access to your emails at the moment there, Carl?","start_word":91,"end_word":102,"intents":[{"intent":"Check access","confidence_score":0.03890631}]},{"text":"Did that one come through okay there, Carl?","start_word":183,"end_word":190,"intents":[{"intent":"Confirm appointment","confidence_score":0.002406192}]},{"text":"Now if you can click on the email for me and then click on the link, it should then allow you to open up that statement of advice. So just let me let me know when you can see that cover page. Okay? Okay.","start_word":194,"end_word":237,"intents":[{"intent":"Open statement of advice","confidence_score":0.19767095}]},{"text":"Now if you can click on the email for me and then click on the link, it should then allow you to open up that statement of advice. So just let me let me know when you can see that cover page. Okay? Okay. So I clicked into it and say, Yes. where do I click on to? It should just be once you click on the sign here, it will allow you to open the document and view it fast. Oh, yeah.","start_word":194,"end_word":276,"intents":[{"intent":"Provide instructions","confidence_score":0.08210133}]},{"text":"Now on the cover page here, you can see that this has been prepared just for yourself.","start_word":351,"end_word":367,"intents":[{"intent":"Prepare document","confidence_score":0.0016794369}]},{"text":"So like I said, it is pretty straightforward today. The only thing we are looking at is your superannuation to see if we could improve the returns and the performance a little bit, make some couple of changes to your superannuation, and then also consider if the, SMA that we talked about was going to be a good option for you. Do you kind of remember that conversation? Yeah.","start_word":505,"end_word":573,"intents":[{"intent":"Examine options","confidence_score":0.00096857257}]},{"text":"Now on the next two pages, there is a little bit of information in regards to your risk profile. Did you kind of remember going through the risk profile last time, kind of how you felt about, you know, fluctuations and level of risk that you're comfortable with in superannuation? Yeah.","start_word":762,"end_word":812,"intents":[{"intent":"Provide information","confidence_score":0.0027779525}]},{"text":"So with the the SMA, it is actually available on a slightly cheaper product offering in Hub 24.","start_word":1072,"end_word":1089,"intents":[{"intent":"Inquire about sma availability","confidence_score":0.0007094838}]},{"text":"So you can see that the recommended has performed a little bit better historically as well. But, obviously, moving forward, we do think that it's going to be a a bigger difference, especially with that been a long investment in your current portfolio, which is what we wanted to swap out. Okay.","start_word":1332,"end_word":1383,"intents":[{"intent":"Optimize portfolio performance","confidence_score":0.03723456}]},{"text":"Now we have also just projected the change forward for five and ten years to show you that even though we are making the change, you are saving in those fees and the improvement in the returns, it's still making a bit of a difference when you are compounding everything to five and ten years forward for you. Yep.","start_word":1432,"end_word":1490,"intents":[{"intent":"Highlight savings and returns","confidence_score":0.0013220421}]},{"text":"the first row where it says the balance difference, and you see 1,850 Yeah. one.","start_word":1528,"end_word":1542,"intents":[{"intent":"Explain balance difference","confidence_score":0.14707465}]},{"text":"That is because we are selling some of your investment. Because they have some of them have grown a bit, which is fantastic, it means that there will be capital gains tax when we are selling Yeah. investment.","start_word":1544,"end_word":1581,"intents":[{"intent":"Explain market changes","confidence_score":0.0017117356}]},{"text":"Yeah. That is that figure. So it can change a little bit, obviously, depending on when you calculated, but it is roughly around that 1,851, which is kind of the lowest capital gains with the different portfolios, which is great. But I do wanna let you know that if you see that come out, if you're happy with the change, it's just the tax that comes out from selling the invest. Yep. Yeah. Yeah.","start_word":1582,"end_word":1655,"intents":[{"intent":"Clarify understanding","confidence_score":0.004670277}]},{"text":"That is that figure. So it can change a little bit, obviously, depending on when you calculated, but it is roughly around that 1,851, which is kind of the lowest capital gains with the different portfolios, which is great. But I do wanna let you know that if you see that come out, if you're happy with the change, it's just the tax that comes out from selling the invest. Yep.","start_word":1583,"end_word":1653,"intents":[{"intent":"Explain tax impact","confidence_score":0.18752675}]},{"text":"basically see the outline of the investment changes. So at the moment, you can see all your individual investment that we are changing, and we're doing a a seventy thirty split of two SMA portfolios, and that is to give you the growth portfolio, to give you that eighty twenty split by Yes. doing that.","start_word":2163,"end_word":2217,"intents":[{"intent":"Highlight investment changes","confidence_score":0.16167685}]},{"text":"Essentially, what we've just gone over is your salary sacrifice arrangement.","start_word":2425,"end_word":2435,"intents":[{"intent":"Discuss salary sacrifice arrangement","confidence_score":0.16915485},{"intent":"Discuss salary sacrifice","confidence_score":0.009614305}]},{"text":"So I recommend retaining your current Oh. Yep. salary sacrifice. Yep.","start_word":2510,"end_word":2520,"intents":[{"intent":"Retain current salary sacrifice arrangement","confidence_score":0.041887023}]},{"text":"Just looking at making those changes into the SMA for you, still keeping you in that growth allocation just to try to improve your super and then your retirement outcome a little bit there for you. Yep.","start_word":2903,"end_word":2939,"intents":[{"intent":"Make changes","confidence_score":0.39897197}]},{"text":"Do you have any questions, or what are your thoughts on on all this?","start_word":2944,"end_word":2957,"intents":[{"intent":"Request questions","confidence_score":0.0025543384},{"intent":"Get feedback","confidence_score":0.0047690687}]}]},"sentiments":{"segments":[{"text":"Good morning. This is Monica speaking. Hello, Veronica. It's Carl speaking. Hi. How are you?","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.11880627274513245},{"text":"Good. That's great. Thanks for returning my callback.","start_word":15,"end_word":22,"sentiment":"positive","sentiment_score":0.6881241202354431},{"text":"Yeah. Yeah. I just answered it and you just probably just hanged up. Yes. I had you booked in just to go over the strategy recommendations after our last catch up. Is not still a good time for you? Yeah. Yeah. Now it's good. Yes. Okay. Perfect. Now what I'm going to do is I'm just going to send you an email, with some documents to go through. Do you have access to your emails at the moment there, Carl? Yes. Yep. Okay. Perfect. So just kind of similar to last time, that's just been sent on my end. So just let me know when that one comes through to you. Okay. Have you had a busy morning so far? No. No. It's not too bad, actually. I was just getting I just got up. I I work afternoon. So Yes. It didn't yep. wake you up? Sorry? It didn't wake you up? No. No. No. I No. was Perfect. Did that one come through okay there, Carl? yep. Yes. Perfect. Now if you can click on the email for me and then click on the link, it should then allow you to open up that statement of advice. So just let me let me know when you can see that cover page. Okay? Okay. So I clicked into it and say, Yes. where do I click on to? It should just be once you click on the sign here, it will allow you to open the document and view it fast. Oh, yeah. And then it should say statement of the device on, like, the Yep. cover page. Yeah.","start_word":23,"end_word":292,"sentiment":"neutral","sentiment_score":0.07058688998222351},{"text":"Perfect.","start_word":293,"end_word":293,"sentiment":"positive","sentiment_score":0.3620012700557709},{"text":"Now it is pretty straightforward today just to kind of go through the recommendations that we kind of talked a little bit about last time. So I'll try to do this as quickly as I can for you, but, you know, if you do have any other questions as I go through, just let me know. Yep. Now on the cover page here, you can see that this has been prepared just for yourself. It has been prepared by me. And at the bottom of that page, you can see my authorized representative number there, and I am licensed under o two Financial. Yep. Now on the second page, you will see where it says the best interest duty. Can you see that okay? Yes. Yep.","start_word":294,"end_word":419,"sentiment":"neutral","sentiment_score":0.14295618437112323},{"text":"Perfect.","start_word":420,"end_word":420,"sentiment":"positive","sentiment_score":0.4439694881439209},{"text":"Now this here basically just means 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, they cannot actually make the recommendation. Does that make sense? Yes. Yep. Perfect. Now as you scroll through, you will see table of contents, pretty self explanatory, which then takes us to scope of advice. So that is page three. Can you see that? Yep. Yep.","start_word":421,"end_word":503,"sentiment":"neutral","sentiment_score":0.1305484026670456},{"text":"Perfect. So like I said, it is pretty straightforward today.","start_word":504,"end_word":513,"sentiment":"positive","sentiment_score":0.4555453658103943},{"text":"The only thing we are looking at is your superannuation to see if we could improve the returns and the performance a little bit, make some couple of changes to your superannuation, and then also consider if the, SMA that we talked about was going to be a good option for you. Do you kind of remember that conversation? Yeah. Yeah. Yeah. Yep. Yep. Perfect. So that is essentially what we are looking at today. On the next page, you can see that we're not making any changes in regards to your insurances.","start_word":514,"end_word":606,"sentiment":"neutral","sentiment_score":0.1658385992050171},{"text":"You're quite happy with them.","start_word":607,"end_word":611,"sentiment":"positive","sentiment_score":0.4257180988788605},{"text":"They are affordable and covers your needs, so not making any changes. It's literally just in regards to your superannuation. Yep. Yep. Okay. Perfect. Now as you scroll through for me, you will see on page six and seven two tables, just a little bit about some information about you. If you could just Yep. have a quick read over that for me just to see if that's all up to date or if there is anything that needs changing. We'll No.","start_word":612,"end_word":693,"sentiment":"neutral","sentiment_score":0.13183307647705078},{"text":"up That's pretty much that that's looks pretty much good. good.","start_word":694,"end_word":704,"sentiment":"positive","sentiment_score":0.3585094213485718},{"text":"Yep. Perfect. Which then takes us to page Yeah. eight. Now this just outlines your current superannuation in hub twenty four, your current balance as well. And then underneath that, you can see your MetLife insurance, and you do have your life total permanent disability and income protection with MetLife paid from within superannuation for you. Yeah. Now on the next two pages, there is a little bit of information in regards to your risk profile. Did you kind of remember going through the risk profile last time, kind of how you felt about, you know, fluctuations and level of risk that you're comfortable with in superannuation? Yeah. Yeah.","start_word":705,"end_word":813,"sentiment":"neutral","sentiment_score":0.08187747944932465},{"text":"Perfect.","start_word":814,"end_word":814,"sentiment":"positive","sentiment_score":0.3957236409187317},{"text":"So we're not making any changes through that. We are keeping you within the growth portfolio.","start_word":815,"end_word":830,"sentiment":"neutral","sentiment_score":0.16587983071804047},{"text":"You were quite comfortable with that. It is a good time frame for when you are looking at retiring with, obviously, the focus of trying to maximize that growth as much as possible.","start_word":831,"end_word":863,"sentiment":"positive","sentiment_score":0.4414171874523163},{"text":"Having about that 80% in your growth investments and about 20 in the sense that fluctuations a little bit are still obviously focusing on maximizing that long term growth. Yep. Yep.","start_word":864,"end_word":894,"sentiment":"neutral","sentiment_score":0.25120386481285095},{"text":"Perfect.","start_word":895,"end_word":895,"sentiment":"positive","sentiment_score":0.5999206304550171},{"text":"Now on the next page, the page 11, it kind of outlines the the recommendation for you. So I did consider and review your hub twenty four just to make sure that was still going to be the best super fund for you or if there were any other options that was better or more competitive.","start_word":896,"end_word":951,"sentiment":"neutral","sentiment_score":0.28224650025367737},{"text":"And at the moment, hub twenty four still very much is a really good option for you. They have a Yep. lot of flexibility with investment choices. They are very competitive with pricing as well. And I actually use Hub twenty four for my personal super as well.","start_word":952,"end_word":999,"sentiment":"positive","sentiment_score":0.500715434551239},{"text":"Yep. No. No. So It's I'm happy with it. yeah. Perfect. I'm not making any changes there for you. I have recommended, however, that we move you into the SMA. Now if you wanna scroll through to page 19 for me, it just shows it a bit more clearly where all the numbers are. So there'll be a table on page 19. Yep. Yeah. You can see that okay? Yep. Yeah.","start_word":1000,"end_word":1070,"sentiment":"neutral","sentiment_score":0.06131410971283913},{"text":"Perfect.","start_word":1071,"end_word":1071,"sentiment":"positive","sentiment_score":0.438099205493927},{"text":"So with the the SMA, it is actually available on a slightly cheaper product offering in Hub 24.","start_word":1072,"end_word":1089,"sentiment":"neutral","sentiment_score":0.164752796292305},{"text":"So still Hub 24, it is a little bit cheaper option, which actually means that you will save a $180 in admin fee, which is nice for basically the same access, which is you where you can see that on admin fee.","start_word":1090,"end_word":1131,"sentiment":"positive","sentiment_score":0.46991971135139465},{"text":"You can see that? Yeah. I hadn't seen Yeah. yet. Yeah.","start_word":1132,"end_word":1142,"sentiment":"neutral","sentiment_score":0.0675838366150856},{"text":"Perfect. So still within Hub 24.","start_word":1143,"end_word":1148,"sentiment":"positive","sentiment_score":0.4186668395996094},{"text":"The only reason that we had you on the slightly more expensive option before was because the option to build that investment for you gives us more access to investment. The one I have recommended now, it is a little bit more limited with investment, but the good thing is that the estimate is available there, and we still have the options of putting a range of different investments in and out of the estimate.","start_word":1149,"end_word":1223,"sentiment":"neutral","sentiment_score":0.2729746103286743},{"text":"So that's really good. It basically reduced those fees a little bit for you. Yep. Okay. By making the change as well, it also reduces your investment fees, which again is really good. So you can kind of see as well that on a yearly basis, the total cost, you can see that the difference is about $389 in saving in just fees alone, which is your Yep.","start_word":1224,"end_word":1291,"sentiment":"positive","sentiment_score":0.5329095125198364},{"text":"admin and investment fees, which Yeah.","start_word":1292,"end_word":1297,"sentiment":"neutral","sentiment_score":0.2634834051132202},{"text":"is really good.","start_word":1298,"end_word":1300,"sentiment":"positive","sentiment_score":0.6374273896217346},{"text":"Now underneath that, you can then see the five year, rolling average. So that is your current portfolio, using a five year historical rolling average and then Mhmm. Yep. the recommended. So you can see that the recommended has performed a little bit better historically as well. But, obviously, moving forward, we do think that it's going to be a a bigger difference, especially with that been a long investment in your current portfolio, which is what we wanted to swap out. Okay. And on the next page, you can then actually see it broken down, the twelve month, three years, and five years, to give you a little bit more with the return on the two portfolio. Can you see that? Yeah. Yeah. Yep. Yeah. Sorry. Yeah. Yep.","start_word":1301,"end_word":1429,"sentiment":"neutral","sentiment_score":0.07283616065979004},{"text":"Perfect. Now we have also just projected the change forward for five and ten years to show you that even though we are making the change, you are saving in those fees and the improvement in the returns, it's still making a bit of a difference when you are compounding everything to five and ten years forward for you.","start_word":1430,"end_word":1488,"sentiment":"positive","sentiment_score":0.4704776729567576},{"text":"Yep. The one thing I did wanted to mention is if you wanna scroll up again on page 19, it's just the capital 19. gain Sorry. text. Yes. So just back up to 19 for me. Yep. On Yep. the first row where it says the balance difference, and you see 1,850 Yeah. one. Yep. That is because we are selling some of your investment. Because they have some of them have grown a bit, which is fantastic, it means that there will be capital gains tax when we are selling Yeah. investment. Yeah. That is that figure. So it can change a little bit, obviously, depending on when you calculated, but it is roughly around that 1,851, which is kind of the lowest capital gains with the different portfolios, which is great. But I do wanna let you know that if you see that come out, if you're happy with the change, it's just the tax that comes out from selling the invest. Yep. Yeah. Yeah. Investment. I'll get that. Yep. Yep.","start_word":1489,"end_word":1661,"sentiment":"neutral","sentiment_score":0.1775788813829422},{"text":"Perfect.","start_word":1662,"end_word":1662,"sentiment":"positive","sentiment_score":0.5274302959442139},{"text":"And even though with that capital gains tax, again, that five and ten years, that factors in that difference, and it still shows you that you are better off by making Still. the Yeah. change. Yeah. But then also kind of like we said last time, the really good thing with the estimate is that it gives us that flexibility, especially when there are a lot of things in happening in the market and the world. Yeah. It gives That us was that my next flexibility. question. Yeah. Yeah. That was my next question with all that's going on. Is it yeah. Is it hasn't affected much. Yes. Not on the not on the SMA investments Yeah.","start_word":1663,"end_word":1779,"sentiment":"neutral","sentiment_score":0.1738448441028595},{"text":"currently, but the good thing is that it gives us that flexibility.","start_word":1780,"end_word":1791,"sentiment":"positive","sentiment_score":0.4233736395835877},{"text":"So, obviously, with us merging with BlackRock, we obviously have our investment committee along with their investment committee, and they do, Yep. you know, extensive research on the market all the time. And if there is anything that we see, like, a specific industry or sector that is going through, you know, kind of drop a little bit, it gives us the option of we can make this change really quickly with the SMA. Now you will still get notified if we make a change, but you don't have to go through this SOA process. You still get notified of the change, but you don't need to sign or do anything. It's just for your awareness, essentially. Yep. Yep.","start_word":1792,"end_word":1910,"sentiment":"neutral","sentiment_score":0.08822672814130783},{"text":"Good. So it it it makes that really good.","start_word":1911,"end_word":1919,"sentiment":"positive","sentiment_score":0.6042923927307129},{"text":"Now, obviously, because you can't obviously foresee what's going to happen, if we obviously think that it's going to be more drastic changes with the market, the good thing with you being in the estimate is that allows us to make that change before Change. before anything, Yeah. you know, exactly, Exactly. which Yes. is No. the I understand. Yes. biggest Because it well, it thing. says Volapol that you do need Exact to. exactly. And the portfolio as well with the SMA has been constructed to try to reduce volatility and even, like, reduce, you know, exchange rates between different currencies and stuff like that. So it takes all of that into consideration, which is Yep. a really good software that BlackRock has access to that we also have access to with the SMA is to kinda make sure that we reduce volatility fluctuations by still choosing, you know, good growth investment by trying Yep. to obviously limit that as much as possible. Does that all Yep. make sense so far, Mhmm. Carl? Yeah. Yes.","start_word":1920,"end_word":2095,"sentiment":"neutral","sentiment_score":0.07959707081317902},{"text":"Perfect.","start_word":2096,"end_word":2096,"sentiment":"positive","sentiment_score":0.3474183678627014},{"text":"It's kind of quite similar to what we spoke last time. It's just doing the research, making sure it is the best option for you, Yes. which so far, it it definitely is. And the capital gains act wasn't that good great either, which is fantastic. Now if you scroll up for me to page 16. Sorry. 16. Yes, please. Yep. Yeah. So you can Yes. basically see the outline of the investment changes. So at the moment, you can see all your individual investment that we are changing, and we're doing a a seventy thirty split of two SMA portfolios, and that is to give you the growth portfolio, to give you that eighty twenty split by Yes. doing that. So at the moment here, you Yes. will see that it's the Oakview Bloom SMA and Oakview Evergreen. Now if you go ahead and make Yep. the change when you do log in to Hub twenty four when we've made the change, you can actually click on them, and then you will still see the underlying investment. So you can still see them in your account if it is, you know, that you do wanna look at what's actually underneath it as well. Okay. Yep. Now if you wanna scroll down for me to page 18, it then kind of highlights that risk asset allocation, if you can see Yeah. that okay. Yep. And the pie Perfect. dough yeah. Pie dough. Yeah. Pie dough. Yeah. Exactly. So you can see your risk profile, which is the eighty twenty split. You can see your current portfolio and then the proposed, and they're both very much aligned with that growth asset allocation. So there's not really much changes in that. Yes. Yep.","start_word":2097,"end_word":2387,"sentiment":"neutral","sentiment_score":0.1127011271584075},{"text":"Perfect.","start_word":2388,"end_word":2388,"sentiment":"positive","sentiment_score":0.5415655970573425},{"text":"Now the the other thing I do wanna mention, though, if you do wanna have a read over the document, it will be a little bit further up where it puts everything in black and white. Essentially, what we've just gone over is your salary sacrifice arrangement. Now I know that you mentioned last time that you were interested in potentially increasing that, Yeah. and I did do, the math for you. And at the moment, with, obviously, your income employer contribution and that the way that your current salary sacrifice is coming into the account, you Yep.","start_word":2389,"end_word":2486,"sentiment":"neutral","sentiment_score":-0.03739623352885246},{"text":"are really close to the cap. So if you actually increase it, it means that you are going to exceed the professional cap.","start_word":2487,"end_word":2509,"sentiment":"negative","sentiment_score":-0.35009872913360596},{"text":"So I recommend retaining your current Oh. Yep. salary sacrifice. Yep. You can you can do more contributions, but you would have to do it after tax, and it just wouldn't be as effective from a tax point of view. It would just be for the purpose of if you wanna add more to super. But salary sacrifice, I recommend just retaining the way that things are at the moment because you are very close to that 30,000 cap space, which is great. Oh, Oh. okay. So so, yeah, you don't need to make any changes to it. Yeah. If the cap space or anything changes next financial year, we can always reassess it. But at the moment, you are in a very good position. And if you change it, it will mean that you will exceed that cap space and have to pay more tax, which is what we Text. wanna avoid. Yeah. I don't wanna do that. Exactly. Now the last thing I do wanna mention there, Carl, is page 23, just where it says about remuneration. Can you see that okay? 23. Yep. Yep.","start_word":2510,"end_word":2696,"sentiment":"neutral","sentiment_score":0.022579490481054083},{"text":"Perfect.","start_word":2697,"end_word":2697,"sentiment":"positive","sentiment_score":0.49068140983581543},{"text":"So this just basically shows you that if you were happy to go ahead with this change, there is no additional fees at all. It is all part of the ongoing advice fee, which is just that 1.65 from your Yeah. balance. There's no changes to the percentage. And like I said, there is no additional fees or charges for this research or to go ahead and make the change.","start_word":2698,"end_word":2767,"sentiment":"neutral","sentiment_score":0.2905386686325073},{"text":"It is all part of that ongoing service for you.","start_word":2768,"end_word":2777,"sentiment":"positive","sentiment_score":0.4102061092853546},{"text":"Yeah. And then underneath it, you will also see just the insurance premium. Again, just for compliance so that you are fully aware of all the commissions that we receive. Now we do get 22% of your premium for your insurances, but that Yep. is net life your insurer paying us. It is not you paying us. Me. Okay. Yeah. But just for compliance, sir, you are fully across everything. We have to disclose it and let you know. But, again, it is MetLife paying us. It is not you paying us. Yeah. Yeah. Understood. Yeah. I see Perfect. that paid by Yeah. Perfect. Which is essentially everything name. that Yeah. I needed to go through today.","start_word":2778,"end_word":2894,"sentiment":"neutral","sentiment_score":0.06722581386566162},{"text":"So like I said, it was pretty straightforward. Just looking at making those changes into the SMA for you, still keeping you in that growth allocation just to try to improve your super and then your retirement outcome a little bit there for you.","start_word":2895,"end_word":2938,"sentiment":"positive","sentiment_score":0.4396602213382721},{"text":"Yep. No.","start_word":2939,"end_word":2940,"sentiment":"neutral","sentiment_score":0.2377929240465164},{"text":"That's cool. Perfect.","start_word":2941,"end_word":2943,"sentiment":"positive","sentiment_score":0.5654481053352356},{"text":"Do you have any questions, or what are your thoughts on on all this? No. No.","start_word":2944,"end_word":2959,"sentiment":"neutral","sentiment_score":0.2059546262025833},{"text":"That's being impressive.","start_word":2960,"end_word":2962,"sentiment":"positive","sentiment_score":0.48940739035606384},{"text":"I'm gonna take a day or two just to read us all through and then Yeah. Of course. So yeah. if you click out of the link as well, you will also see a couple of other attachments. Now they Yep. are basically all the research that goes into it. So, obviously, I have you take your time to read over as well. They are quite long. It's just basically all the research and everything you need to know. It gives you there is another product disclosure statement about the SMA as well. So if you do wanna read up a little bit more, it Yes.","start_word":2963,"end_word":3068,"sentiment":"neutral","sentiment_score":0.1454375982284546},{"text":"is all in there for you.","start_word":3069,"end_word":3074,"sentiment":"positive","sentiment_score":0.3512357175350189},{"text":"So I will obviously let you take some time to read over it. If you do have any questions as you read through it, just just give me a call. Otherwise, if you do read through it and you are happy with everything, Yep. if you sign the documents digitally, I will then get notified, and then I can let the team know to go ahead and make this change for Alright. Okay. you. Yep.","start_word":3075,"end_word":3149,"sentiment":"neutral","sentiment_score":0.22382408380508423},{"text":"Perfect.","start_word":3150,"end_word":3150,"sentiment":"positive","sentiment_score":0.37494128942489624},{"text":"Do you have any questions for me before I let you go otherwise? Cool. No. No. I was I was just No? happy that you said with the flick there is flexibility, you Yes. know, when if it if the market does Very tend tend yes. to turn. And that is one of the biggest Yeah. you know, there are a lot of benefits with the SMA, but that is one of the biggest things, especially in today's market condition, is Yes. that we can very quickly make those changes. Yes, Because, obviously, me doing all this research took a couple of weeks. So if it was Yep. a situation otherwise, it would have been the same. And then sometimes you have to react a bit quicker, to avoid, Yes. obviously, things dropping or potentially good opportunities to buy in.","start_word":3151,"end_word":3290,"sentiment":"neutral","sentiment_score":0.07272686624034708},{"text":"So the Yep. estimate gives us that flexibility, which is really good.","start_word":3291,"end_word":3302,"sentiment":"positive","sentiment_score":0.48867589235305786},{"text":"Yep. No. No. That's Yeah.","start_word":3303,"end_word":3307,"sentiment":"neutral","sentiment_score":0.05943712219595909},{"text":"cool. Perfect. Well, I will let you go, and enjoy the rest of your day.","start_word":3308,"end_word":3322,"sentiment":"positive","sentiment_score":0.6543871760368347},{"text":"And I will keep a lookout for that documents to come through or Yep. call from you if you have any questions. Yeah. You Yeah. you should get not about the end of the week. Yeah.","start_word":3323,"end_word":3358,"sentiment":"neutral","sentiment_score":0.1759192943572998},{"text":"Great. Perfect. Yep. Well, Cool. you enjoy the rest of your day, and I look forward to speaking with you soon again. Thank you, Veronica. Thank you for speaking.","start_word":3359,"end_word":3387,"sentiment":"positive","sentiment_score":0.7063227891921997},{"text":"K. Bye bye. Bye. K.","start_word":3388,"end_word":3392,"sentiment":"neutral","sentiment_score":0.15471041202545166}],"average":{"sentiment":"neutral","sentiment_score":0.1612230885205803}}}}