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Isn't that still a good time for you? Perfect. Not a problem. Just to get started on that one, Harsh, if I could just pass through security, just that name, date of birth, and current address for me, please? Yeah. Just a pass through security. So just your name, date of birth, and current address. We can set up a client password afterwards if you you would like, if you don't wanna do the three points for security in future. Perfect. Thanks for confirming today, Harsh. Now I know when you spoke to my colleague on the phone that you did update just a few details just in regards to your assets and liabilities there. Now your debt value jumped up quite significantly there. Did you redraw on your mortgage to sort of look at renovating? Or so it's for renovations? Perfect. And then, obviously, they're not completed yet, so you haven't had, like, a reevaluation of the the home to see what that sort of gone yeah. Not a problem at all. You do have access to the mortgage brokers here. Well, if you do wanna, obviously, you know, get a second opinion from the one you currently have or just in anyone in general, we can pass along those details if you do wanna look at refinancing once that is done. Yeah. Obviously, yeah, after the you'd reevaluate in terms of, like, the property and everything like that. No. If you want hopefully, the war kind of dies off soon and then the interest rates come back to a bit more of a a normal amount if you wanna go fix for a period or not. So that's perfectly fine. But as far as any other details there, Harsh, nothing else has changed? Perfect. So I'll just be sending this out to your email, Harsh dot Marla. Okay. So you've got a debt value of around $8.50 on the home loan, and that's your entire debt. You wiped the 55 from the cars as well? Yeah. No. The credit card's all paid off and everything as well. Okay. No problem. And as far as the novated lease, you're continuing in novated lease, you didn't buy that out or any yeah. Okay. No. No. No problem. Yeah. Not a problem. I'll just update those. So as far as that details, it will still have your your card debts on this. In addition to the we did update your home loan debt to the $8.50. If you do want an updated piece just to change that figure, that's more than fine, but it doesn't actually affect the advice piece there today as well. So this will be going to Harsh.Martha123@Gmail.com, and you should have this shortly. Now within regards to the documents there, so it with OdooSign, you'll have the email and the attachments with that. So you'll have a copy of the statement advice, the appendix. You'll also have the PDFs for the products you hold and the recommended products, and then the services guide and financial services guide as well, just the up to date most copies, and a Vanguard index chart for you to be able to look at, just the markets over the past thirty years or so. And then within regards to signable documents, there will be your ongoing service agreement and the statement advice. We were happy to stay on board, happy to take on the advice as well. So that will be with you there shortly, and then we can run through the document and its recommendations. But before we get started, is there any questions you do have or anything you wanted to touch on before we jump into that document there today, Hass? Not a problem. So once this comes up, you'll be able to click on the the attached statement advice for us to be able to run through there. So it was prepared for yourself. It was finalized on the March 18 there. Now you do have thirty days from that date for it to be valid and then another thirty days as long as you confirm your details. Since we confirm your details, as long as you sign that date, it's that timeline, it's sort of fine. So it's prepared by myself and the team here as an authorized representative under OQ Financial. Within regards to that, it still takes an account best interest, Judy, trying to put you in a better position for you currently at even though your original adviser obviously was with us. And then from there, we're just constantly trying to put you in a better position by updating that advice as well. Now has that email come through there, Hass? Do you be able to review yeah. Yeah. Not a problem. So on the the pages over there on three and four and then also five, you'll be able to see the the scoping and what we sort of considered when we're having out of those conversations. Now within regards to that, it was mainly around the superannuation and looking at the the insurances as well. Now with your super, you obviously have that account there with those group insurances and then also looking at that versus your current account, looking at your that versus your retail cover there as well. So main focus there is reviewing that superannuation, reviewing your insurances there, if that makes sense. Now in regards to the estate planning, we had a discussion around that. You're quite satisfied with what you've currently got in place in regards to your estate planning and then also in regards to your cash flow and budgeting and then being able to to save effectively for the debts that you do have And then also in regards to looking at your financing, I know you were looking through the Ola Lending that we're referred to by someone prior as well and happy with them, and then also looking at investment property down the track as well. But it's so far those are all scoped out. They're just accountability partners in regards to that as far as the advised piece of data centered around that superannuation insurances, if that makes sense to us. Perfect. So quite simply there after the review, we're recommending that you roll over your ANZ superannuation fund to your hub twenty four superannuation fund and switch your underlying investment there as a bit of an investment reset refresh. And then also just retaining that tower cover and canceling your ANZ group insurances there as well. Now before we jump into the document there, do you have any questions in regards to that? That's, like, the very straightforward strategy recommendation they have. Yeah. I'll run through the the document there with you. Obviously, I just wanted to see if you had any questions before we jump into it. I'll run through, do a bit of a brief overview of everything, give you the key points, and then you can have some time to go away, take it away, and have a read through everything and see if you were happy with it or not. No problem. So on page seven there, you'll have just your general information. So feel free to look over that and make sure it is all correct. On the page after that, you will have those assets and liabilities. As I said, it will be slightly different just because you said you have consolidated that motor vehicle debt and put that on the home loan. Now in regards to the page nine there, you will see current position. So your ANZ account and then also your hub 24 account. And then you'll also see your insurance position, what you hold with the group insurance with ANZ, and then also what you do hold there with how the underwritten cover that you did get with that one as well. Now in regards to your risk profile, you did score as a growth risk profile, which is in line with what we've currently got you invested in. And then with that, we are recommending a growth portfolio moving forward. But do you have any questions around your risk profile or anything like that there, Harsh? Yep. Not a problem at all. Now with the actual recommendation itself there, so we obviously reviewed both your superannuation plan you currently hold, Hub twenty four as well and see which one is performing better. We also considered a couple other retail platforms just to see in comparative to, like, pricing if Hub twenty four was still, like, a good competitive market alternative. Now within regards to reviewing all that, it's just looking like at the moment, given the performance you are getting at your Hub twenty four, given the service you do get by having an adviser to be able to tailor those solutions and strategies to you with that platform, it would be still favorable for you to maintain that Hub 24 platform and consolidate your ANZ super. Yeah. Upon reviewing your ANZ super account, we're deferring that you didn't get any, like, employer related benefits from that and justify retaining that or having a second fund for the point of that. Now with that, having the the cost investment wise, it is quite expensive and then the performance that they were getting in compare in comparison to your hub twenty four. Now by transitioning to Hub twenty four, you have all your funds consolidated. You don't have the two platforms, so that reduces the administration costs. And then with that one there as well, you do have more tailorability to your investment portfolio and future strategies there as well. Yeah. Have you sort of had a play around much on your Hub twenty four since we've had our discussions? Do you have any concerns or questions in regards to that? Yeah. No. That's perfectly fine. Obviously, it's Which page she Right. Yeah. Okay. And in regards to, like, how they sort of, like, split the idea up in terms of, like, the different classes in the different areas where it's yeah. So it's how they they balance their portfolios in terms of the diversification. So, recommended portfolio, you'll be able to see that on page 17. So currently, you have two managed funds. So you got ClearBridge Rare Infrastructure, which has been doing alright, and then also the Benelong Australian Equities, which is around that 10% mark, which hasn't done great at all. It's down that 20% over the year, given that everything has happened with the underlying investment and then also what happened with the war as well. And that's in Australian equities. And then also, you do have, like, agriculture, some physical gold, and then also some cybersecurity in there as well, and then your key holdings being, like, the the S and P five hundred. Now in regards to that one, the portfolio we're recommending moving forward still maintains some key holdings there as a part of that, so it reduces the capital gains. So you still have a nice key holding in the s and p five hundred even with America And how things are going, you still have an allocation of cybersecurity and a physical gold. The newer investments that will be going into that one, you'll be transitioning away from where you're currently in in the Australian market to the BetaShares Australian two hundred, which is the top 200 companies in Australia, and that will become another key holding in your portfolio. That'll be about 20. And then the other satellites around that in terms of the diversification of international equities that we can turn, they're spread across Europe, Japan, and then all world excluding The US. So not any sort of specific focuses in any sort of war areas apart from obviously having a key allocation still to The US, but you've still got that currently in your portfolio and hope you isn't sort of moving away from that market in terms with everything long term anyway. They still see it as still being a viable investment for the long term, if that makes sense. No. So on that with that on page 17 there, that's an update to ones that are going and ones that are go being bought. You'll be able to see that there will be a rebalance. You will be getting rid of some of your physical gold because you do have a bit of an over allocation of that for how well it has done over the past couple years and then still having a key holding of that. You'll also be doing a bit of a a rebalance there of the cybersecurity side of things, and then you'll be switching your allocation from where you are in the Australian market between Bennelong and then the Raffi index that you're currently in, which is sort of similar to the Australian 200 beta shares, but it's calculated a little bit differently as an index. And you'll be moving to that beta shares 200. And then with that, you'll be moving away from bank hybrids, which are getting phased out. You'll be moving away from agriculture at the moment, the food, and then having that allocation across those different geographical locations, which will encompass different industries being in those exchange traded funds, if that makes sense. Yep. So, obviously, since you've been on board, your portfolio has been tracking quite well. Obviously, the last six months, probably not fantastic given that everything has gone on. But with that, we're doing the refresh now. So, hopefully, it will continue with the the uptick once the the war's over to continue to have sustained long term growth. Since coming on board, I believe, after fees and everything like that, it's sitting up around 23% up even with the dip that did occur, which is still nice growth. Obviously, the more money you have in there, the better that can compound moving forward as well, and then you're reducing investment costs with that moving forward. So by changing the investment there, you will be removing the active portions there, but that also does get rid of the manager risk that you currently hold. So you are tracking those indexes. There isn't a chance to try and outperform what the market's doing because you're just tracking what the markets are doing, but that comes at a base in terms of, like, your investments and the price you pay for having those funds invested, which all goes towards adding more money to your continued growth, if that makes sense. Obviously, in terms of, like, the adviser fee, that will go up slightly in terms of that just purely for the fact of funds under management. If you were to come onboard, that's probably the biggest cost difference is that you will have significantly more funds with Oakview and being managed by their portfolios for that. So that will go up in terms of, like, the investment costs overall that will go down. And then within terms of the the amount of money you pay for your insurances, that will reduce as well because that will be getting removed. Yeah. So we're recommending that you retain your tel insurances there. So you do have the $2,000,000 of life and total permanent disability and then also the income protection for around 1,100 $11,741 as a monthly benefit for that. Yeah. Because you've got that group cover because you have already comprehensive retail cover, and you don't have any exclusions or loadings with that. It just means that in the event that anything did happen, it's probably still more likely that you will be able to claim on your retail cover versus that group cover. If you had a preexisting condition that was sort of covered potentially by those group insurances versus potentially not by your retail cover being the exclusion or the loading that you potentially would have, given that you don't have any health conditions or concerns that I'm aware of or that you've disclosed to us, then that means that you should be fully covered by that retail policy as opposed to, like, you know, a group policy that you can hold potentially before, you know, some conditions that may have arisen in your sort of earlier life there. Then you might wanna look at retaining it because you might be able to claim on a certain condition of total term disability and things like that or income protection. But given, you know, you don't have any sort of mental health, any sort of preexisting conditions that apply to that retail policy that you did take out, then it's just, if not more, comprehensive because it's already been underwritten versus that group policy that gets underwritten out or, like, assess at the time of claim, which means they still can can deny the claim. And you're paying $1,400 a year for for cover that doesn't meet your needs. And then, also, you can more than likely be able to claim on that retail policy versus that group top group policy anyway. So there's no need to double up and have the, you know, $2,400,000 worth cover when $2,000,000 worth of cover, if anything was to go wrong, would be more than adequate. Yeah. If that makes sense. Yeah. In terms of, like, the super side of things and the the accounts that you would have, so, obviously, you've got quite a bit in both accounts. So it would roll over approximately that 68,000 from your ANZ to your hub 24, and then you'd have around a 123 in the the fund there with Hub twenty four. It would simplify things in the terms you wouldn't have two accounts. You'd all be in the one place for reporting in terms of your views being able to maintain everything there as well. It reduces overall investment costs, overall administration costs with having two funds with that and managing that. And then with that, you have access to, you know, the investments on the hub twenty four, the advanced reporting. You have grouped aggregate trading with hub twenty four as well, and then you also receive a few financials and ongoing service as well, if that all makes sense. So so with that, if you were to accept everything and be happy with everything, Harsh, and sign the document, then we can all deal with that in the back end and request that from Hub 24 platform itself. As far as the implementation side of things, the team can can manage that for you. If you're happy with everything, all you'd have to do is sign the document. But as you said, feel free to have a read through, make sure you're across all the advantages, disadvantages, the risks, things like that. Now, obviously, when moving to a replay of platform, obviously, you're you're aware, like, versus unitized versus having capital gains on funds and things like that. So there will be a slight CGT liability with the switching of your investments, but it's sort of negligible over the long term. Yes. Yep. So if you're happy with everything, then they'll implement that all for you. Won't even have to do anything by signing it to say you're happy with it. Obviously, one thing to be quite aware of, we given how volatile the markets are currently, when sort of selling down from your current, like, industry fund to moving it to hub 24, There's probably a couple weeks there where you're sitting in cash or the funds are being transferred, the rollovers before being vested, those sort of things. Now with that, the volatility of the market with those ups and downs now when sitting in cash, if the market drops and you buy in at the dip, that's fantastic. You've made, you know, a little bit because you're buying at a bit of a lower cost. If the market returns somewhat, you know, by a percent or two during the time that you're sitting in cash, you are selling a bit lower and buying a tiny bit higher. As I said, the the actual gross percentage, it's, like, a little bit negligible over, you know, the longer term period and sort of moving, having the funds consolidated in the overall benefits. It's just something to be aware of given how volatile the markets are currently that there will probably be some movement. Obviously, with the war not ending, you know, the likelihood is it could just sort of stay a bit stagnant. If there were sort of certain announcements, so there may be a dip, there may be a rise, but I can't tell you what Trump's gonna tweak tomorrow. It's just something to be aware of in terms of, like, the risk when switching from cash to reinvesting. Okay. Yeah. Not a problem. And then if you do sort of come across anything you do have any concerns with, we can sort of, you know, try and stop any trades. Obviously, if they do put the rollover through and it goes through and everything like that, going back is a lot harder. But in the meantime, it shouldn't sort of be implemented at least for a few days if you have some chance to run through it. As I said, we yeah. Yep. Yeah. Obviously, in regards to that, it's not in this advice piece, but generally speaking, know, you have the mortgage broker you're working with. Obviously, if you're not happy with them, we can recommend sort of another partner. Yeah. The main thing there would be to to, you know, finalize your renovations, make sure you're paying down that debt to get your equity back in your home, and even have your home potentially assessed with a a mortgage broker or real estate agent to see that and to see what equity you can access with your your home loan to potentially reenter any investment market there as well. Obviously, over the next sort of that six to twelve months, you're probably looking at finalizing those renovations and then seeing what the home value is and then obviously going from there. And then the main thing from there is obviously just focusing on, you know, making your payments, making any additional payments you do wanna do, sticking to your budget. Obviously, with the cost of living at the moment, it's very easy to to move away from your budgets. I know you're quite good generally with your your money from what you've told me. It's just important given with the, you know, the cost of living increasing and things like that. You might need to, you know, either forego a few things or just rejig your budget slightly that you're not sort of, you know, spending more than what you were previously to meet your goals over that longer term period. So in terms of, like, changing your underlying investments per, like, you just calling up and wanting to have something in it? Yep. Yep. So in terms of, like, coming onboard as a client, they have a coupling fee at the moment. So that can drop your ongoing fees down to 1.1% as opposed to the 1.65. Now another benefit with they went with Hub twenty four, you wouldn't be able to merge the accounts and have the same, like, fund in a sense, but you can link the account through, like, family linking if they were recommended the hub 24 platform or if that's something that your partner wanted in terms of, like, simplicity and then also cost savings. And then what that does is it treats the money as the same in terms of, like, you know, if she had a 100 and you had your 100, it would be considered 200,000 of funds under management, and they would charge the administration fees accordingly to as 200 instead of, like, two separate accounts at a 100 each, which can save you on administration costs, but you'd still have your own separate account. You could have the same investment, so, technically, you'd be invested in the same things and things like that as well. The the difference is is they're still separate, that you just get a bit of fee savings, and then the reporting, you know, you can report individually on your individual accounts. And then yeah. If you want obviously, the consultation part is is all free. So you can you know, if you want to refer your partner on, I believe the referral partner program is still going. So even if you referred your partner and she came on board, you can get, like, a $100 gift card if that's still running, which is a bit of a bonus, bit of free money. And then if they were to come on board as a client of Oakview as well, as I said, the ongoing fee would not only drop for your partner, but it'd drop for for you, which would save you on administration costs for the service here as well, if that makes sense. Yeah. Yeah. Obviously, you've got the the financial services guide and Oakview services guide. So feel free to have a look through that, see the services on offer that you do get a part of that. Obviously, the biggest expenses, like, the upfront cost that you probably remember there. But ongoing from that, it is just a percentage based fee for the services you do get here at Oakview. And then sometimes it's nice just having it all in the one spot. You can look to, you know, you know, depending on what you wanna do a bit later in life as well, getting joint advice pieces, you know, getting your interviews closer together so it's all done in one big hit, and then sort of you don't have to think about it for the next twelve months as well. And then, also, yeah, if there was sort of any other people that you did sort of refer us onto or tell them to to come to us, it might be worth just saying that that you sent them and saying that you were the person that referred them on. If that referral program is still running, you might just get a free $100 gift card out of it if you are speaking to your workmates or any further friends or family as well. No problem, Hush. As I was saying, though, there in regards to what we did consider, we did consider even just moving you back to ANZ due to, like, the past performance and then the cost with that one and the risk profile and the investment range you had. We just recommend you stick with the hub 24 and then stick with a more sort of tailored service for that longer term sort of mindset. And we also did look at another few retail form platforms, but the capital gains that you currently hold on your account and the benefits you'd get by moving elsewhere in terms of, like, any cost savings, it didn't really work out to be in your best interest, so we're just referring that you stay with hub twenty four. As I said on page 17 there, you will have the buyers and the sales of what you'd be selling and what you'd be buying. Now in the appendix, you do have links to that one as well to see what the recommended investments are if you would do wanna have a look at those. Obviously, you wouldn't have that active management moving forward, which is a key component of that. But if you take into account your actively managed fund Benelon that didn't perform well and the actively cleavage fund that did perform well, you're still at a tiny bit of a loss in terms of, like, active management. Whereas if you just had a cheaper investment, the index investment moving forward, you would have saved on those investment costs, and you would have sort of had a little bit better performance. So with that moving forward, you obviously won't have the ability to potentially outperform the market, but you'll be following what the indexes are doing. And if the markets are performing well, then your portfolio will perform well as well as a cheaper alternative, and you'll have a little less volatility and a little less risk in terms of, like, manager risk and managers making the wrong decisions as opposed to, like, obviously, the war just affecting your portfolio's performance, if that makes sense. Perfect. In terms of the asset allocation, obviously, you're in a growth portfolio. So the recommended investment, it will still be in line with the growth portfolio around that 8020 split. You'll have around 83% in growth and around sort of 16.75 in defensive assets there. Moving forward, you'll be able to see the split between the Australian international equities, a little bit of property, and alternative growth assets, which is your gold majority. It can be considered a bit defensive gold in terms of how it can act, but at the moment, it's just getting a lot of that capital growth. So that's how they define it at the moment. In relation to that one, it will be slightly less exposed to growth assets than your current portfolio, but it has historically performed better as well. On page 20 there, you'll be able to see how those cost differences look in terms of, like, the the fees you're paying, how it's split up, the investment, other fees, and things like that as well. And then you'll be able to see a projection from that one. Now projection is always to be taken with a grain of salt because, obviously, you know, no one knows what the market's gonna do tomorrow, let alone today. But it just gives you a bit of an illustration based on, like, cost, the regular performance, and how it was performed for the last five years and how that might look moving forward. So, obviously, the goal here is to try and put you in a better position. The the main thing there is you'll be saving on investment costs moving forward with the updated investment change. Your money will be together having a bit more of a compounding effect. So when you do have those good years, obviously, that gets reinvested into the same investment, and you do have that high potential for that compounding effect to really get your your super growing versus having your funds split across different investment platforms. Perfect. In terms of the insurance side of things, you do already have that tailored insurance policy with TAL. As I said, you don't have those exclusions or loadings with the going through and underwriting to relook at changing those. We're just looking at keeping everything the same. In future, you know, if your health's still well and nothing has changed and anything does pop up, we can look at rewriting the policy for, like, the exact same amount of cover a little bit less depending on what your needs currently are just to sort of review for market cost. But currently, it's still comparative in the market, still quite competitive for the amount of cover that you do hold there already. And then we're recommending getting rid of that live PVD and IP with the ANZ account. As I said, it is group cover. If it predated any conditions, we might potentially look at keeping it and retaining it. But given, you know, you don't have any health conditions currently, then there's no reason that we should sort of retain that just for the insurance purposes when you do have adequate cover with pal, if that makes sense. Perfect. So with that, it'll save you over a thousand dollars per annum just on insurance costs, which is fantastic. That can go back into being invested and growing towards your retirement goals there as well. You will see what that impact will clock in terms of, like, if you had your current versus having a rec the recommended in regards to the five and ten year impact and then no insurances at all. Obviously, it does affect your superannual balance and the growth over the long term. But in saying that, we do review it regularly to make sure it's not eating away too much at your retirement goals. And then, obviously, having that cover if they that anything did happen given, you know, the the family, you two two kids, and then the your partner with the level of debt you have, you'd wanna sort of make sure that they were well taken care of. Perfect. Obviously, the risk in regards to that if you didn't sort of disclose anything regarding that retail policy or any exclusions that may apply, you still don't have to meet the strict PPD definitions of the retail policy, same as if you were to sort of try and claim on your group cover. The benefit is is it's obviously already underwritten. We did look at potentially retaining both policies, but it comes at quite a cost both in having two two funds and then two insurances. And then also the administration with that and the premiums that you're paying, that would just eat away at your retirement savings. And then we looked at obviously not having insurances there, but obviously that would leave you significantly at risk and under protected given your current lifestyle and family arrangements. As far as the ongoing fees, we do get obviously the 1.65% of the the balance. Now within regards to that one, it is around 2,123. Now with the ongoing service agreement, that's sort of what it'll roughly be as well because it's based on your current balance and growth. Out of that over a twelve month period, obviously, if the market still stay a bit stagnant with the war, that'll change slightly because it is a monthly figure that does come out. And then we do get 22% of the ongoing premium of the insurance policy that you do pay just for maintaining that policy with the insurer. It's not like an additional out of pocket cost or anything for you. That's just what we get for maintaining that policy with the insurer through the payment that you do pay. We just have to disclose it because it is something we do get as a form from munition, if that makes sense. Perfect. As far as the the implementation side of things go, once you were to sign up which you have there, they'll complete that full rollout from the ANZ, which will cancel that group cover, and then it'll get the money consolidating to your hub 24. And then within regards to that, it does say that you could cancel your ANZ superannuation. They'll follow-up on that. But when you complete a full rollover, it will just cancel those assurances automatically, if that makes sense. And then I hope you would do the investment update. But do you have any questions in regards to ongoing service, the ongoing service agreement, or your past sort of twelve months or anything like that, Harsh? I know I've had a few comments. In regards to what from when we've previously spoken? No. It's still 1.65. Yeah. They've always been $1.06 point 0.65. Obviously, if your balance grows, it will grow. So with no more funds coming under management, the adviser fee will go up because we'll have more funds under management there. But in terms of, like, the percentage base and how that's charged, that's all the same. Not a problem. Do you have any it is quite straightforward, that advice fee there, Harish. Do you have any questions or any concerns in regards to that? Or Yep. Not a problem at all. Just, yeah, ring up. And, obviously, if I'm free, I'll take the call. If not, I'll get you booked back in or shoot shoot an email through. But, otherwise, I'll leave it in your hands, have a review of that, and come back with any other questions you may have there, Harsh. But I won't take up any more of your morning. I'll let you get back to it. No problem, Harsh. You enjoy the rest of your day. Thanks for your time this morning, and I'm sure yeah. Perfect. Alright. Have a good one. Thanks, Harsh. 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morning, Harsh. It's Carl calling from HP Financial. How are you today? Yeah. Not too bad at all.\n\nI've had you scheduled in for your statement of advice presentation. Yeah. Isn't that still a good time for you? Perfect. Not a problem.\n\nJust to get started on that one, Harsh, if I could just pass through security, just that name, date of birth, and current address for me, please? Yeah. Just a pass through security. So just your name, date of birth, and current address. We can set up a client password afterwards if you you would like, if you don't wanna do the three points for security in future.\n\nPerfect. Thanks for confirming today, Harsh. Now I know when you spoke to my colleague on the phone that you did update just a few details just in regards to your assets and liabilities there. Now your debt value jumped up quite significantly there. Did you redraw on your mortgage to sort of look at renovating?\n\nOr so it's for renovations? Perfect. And then, obviously, they're not completed yet, so you haven't had, like, a reevaluation of the the home to see what that sort of gone yeah. Not a problem at all. You do have access to the mortgage brokers here.\n\nWell, if you do wanna, obviously, you know, get a second opinion from the one you currently have or just in anyone in general, we can pass along those details if you do wanna look at refinancing once that is done. Yeah. Obviously, yeah, after the you'd reevaluate in terms of, like, the property and everything like that. No. If you want hopefully, the war kind of dies off soon and then the interest rates come back to a bit more of a a normal amount if you wanna go fix for a period or not.\n\nSo that's perfectly fine. But as far as any other details there, Harsh, nothing else has changed? Perfect. So I'll just be sending this out to your email, Harsh dot Marla. Okay.\n\nSo you've got a debt value of around $8.50 on the home loan, and that's your entire debt. You wiped the 55 from the cars as well? Yeah. No. The credit card's all paid off and everything as well.\n\nOkay. No problem. And as far as the novated lease, you're continuing in novated lease, you didn't buy that out or any yeah. Okay. No.\n\nNo. No problem. Yeah. Not a problem. I'll just update those.\n\nSo as far as that details, it will still have your your card debts on this. In addition to the we did update your home loan debt to the $8.50. If you do want an updated piece just to change that figure, that's more than fine, but it doesn't actually affect the advice piece there today as well. So this will be going to Harsh.Martha123@Gmail.com, and you should have this shortly. Now within regards to the documents there, so it with OdooSign, you'll have the email and the attachments with that.\n\nSo you'll have a copy of the statement advice, the appendix. You'll also have the PDFs for the products you hold and the recommended products, and then the services guide and financial services guide as well, just the up to date most copies, and a Vanguard index chart for you to be able to look at, just the markets over the past thirty years or so. And then within regards to signable documents, there will be your ongoing service agreement and the statement advice. We were happy to stay on board, happy to take on the advice as well. So that will be with you there shortly, and then we can run through the document and its recommendations.\n\nBut before we get started, is there any questions you do have or anything you wanted to touch on before we jump into that document there today, Hass? Not a problem. So once this comes up, you'll be able to click on the the attached statement advice for us to be able to run through there. So it was prepared for yourself. It was finalized on the March 18 there.\n\nNow you do have thirty days from that date for it to be valid and then another thirty days as long as you confirm your details. Since we confirm your details, as long as you sign that date, it's that timeline, it's sort of fine. So it's prepared by myself and the team here as an authorized representative under OQ Financial. Within regards to that, it still takes an account best interest, Judy, trying to put you in a better position for you currently at even though your original adviser obviously was with us. And then from there, we're just constantly trying to put you in a better position by updating that advice as well.\n\nNow has that email come through there, Hass? Do you be able to review yeah. Yeah. Not a problem. So on the the pages over there on three and four and then also five, you'll be able to see the the scoping and what we sort of considered when we're having out of those conversations.\n\nNow within regards to that, it was mainly around the superannuation and looking at the the insurances as well. Now with your super, you obviously have that account there with those group insurances and then also looking at that versus your current account, looking at your that versus your retail cover there as well. So main focus there is reviewing that superannuation, reviewing your insurances there, if that makes sense. Now in regards to the estate planning, we had a discussion around that. You're quite satisfied with what you've currently got in place in regards to your estate planning and then also in regards to your cash flow and budgeting and then being able to to save effectively for the debts that you do have And then also in regards to looking at your financing, I know you were looking through the Ola Lending that we're referred to by someone prior as well and happy with them, and then also looking at investment property down the track as well.\n\nBut it's so far those are all scoped out. They're just accountability partners in regards to that as far as the advised piece of data centered around that superannuation insurances, if that makes sense to us. Perfect. So quite simply there after the review, we're recommending that you roll over your ANZ superannuation fund to your hub twenty four superannuation fund and switch your underlying investment there as a bit of an investment reset refresh. And then also just retaining that tower cover and canceling your ANZ group insurances there as well.\n\nNow before we jump into the document there, do you have any questions in regards to that? That's, like, the very straightforward strategy recommendation they have. Yeah. I'll run through the the document there with you. Obviously, I just wanted to see if you had any questions before we jump into it.\n\nI'll run through, do a bit of a brief overview of everything, give you the key points, and then you can have some time to go away, take it away, and have a read through everything and see if you were happy with it or not. No problem. So on page seven there, you'll have just your general information. So feel free to look over that and make sure it is all correct. On the page after that, you will have those assets and liabilities.\n\nAs I said, it will be slightly different just because you said you have consolidated that motor vehicle debt and put that on the home loan. Now in regards to the page nine there, you will see current position. So your ANZ account and then also your hub 24 account. And then you'll also see your insurance position, what you hold with the group insurance with ANZ, and then also what you do hold there with how the underwritten cover that you did get with that one as well. Now in regards to your risk profile, you did score as a growth risk profile, which is in line with what we've currently got you invested in.\n\nAnd then with that, we are recommending a growth portfolio moving forward. But do you have any questions around your risk profile or anything like that there, Harsh? Yep. Not a problem at all. Now with the actual recommendation itself there, so we obviously reviewed both your superannuation plan you currently hold, Hub twenty four as well and see which one is performing better.\n\nWe also considered a couple other retail platforms just to see in comparative to, like, pricing if Hub twenty four was still, like, a good competitive market alternative. Now within regards to reviewing all that, it's just looking like at the moment, given the performance you are getting at your Hub twenty four, given the service you do get by having an adviser to be able to tailor those solutions and strategies to you with that platform, it would be still favorable for you to maintain that Hub 24 platform and consolidate your ANZ super. Yeah. Upon reviewing your ANZ super account, we're deferring that you didn't get any, like, employer related benefits from that and justify retaining that or having a second fund for the point of that. Now with that, having the the cost investment wise, it is quite expensive and then the performance that they were getting in compare in comparison to your hub twenty four.\n\nNow by transitioning to Hub twenty four, you have all your funds consolidated. You don't have the two platforms, so that reduces the administration costs. And then with that one there as well, you do have more tailorability to your investment portfolio and future strategies there as well. Yeah. Have you sort of had a play around much on your Hub twenty four since we've had our discussions?\n\nDo you have any concerns or questions in regards to that? Yeah. No. That's perfectly fine. Obviously, it's Which page she Right.\n\nYeah. Okay. And in regards to, like, how they sort of, like, split the idea up in terms of, like, the different classes in the different areas where it's yeah. So it's how they they balance their portfolios in terms of the diversification. So, recommended portfolio, you'll be able to see that on page 17.\n\nSo currently, you have two managed funds. So you got ClearBridge Rare Infrastructure, which has been doing alright, and then also the Benelong Australian Equities, which is around that 10% mark, which hasn't done great at all. It's down that 20% over the year, given that everything has happened with the underlying investment and then also what happened with the war as well. And that's in Australian equities. And then also, you do have, like, agriculture, some physical gold, and then also some cybersecurity in there as well, and then your key holdings being, like, the the S and P five hundred.\n\nNow in regards to that one, the portfolio we're recommending moving forward still maintains some key holdings there as a part of that, so it reduces the capital gains. So you still have a nice key holding in the s and p five hundred even with America And how things are going, you still have an allocation of cybersecurity and a physical gold. The newer investments that will be going into that one, you'll be transitioning away from where you're currently in in the Australian market to the BetaShares Australian two hundred, which is the top 200 companies in Australia, and that will become another key holding in your portfolio. That'll be about 20. And then the other satellites around that in terms of the diversification of international equities that we can turn, they're spread across Europe, Japan, and then all world excluding The US.\n\nSo not any sort of specific focuses in any sort of war areas apart from obviously having a key allocation still to The US, but you've still got that currently in your portfolio and hope you isn't sort of moving away from that market in terms with everything long term anyway. They still see it as still being a viable investment for the long term, if that makes sense. No. So on that with that on page 17 there, that's an update to ones that are going and ones that are go being bought. You'll be able to see that there will be a rebalance.\n\nYou will be getting rid of some of your physical gold because you do have a bit of an over allocation of that for how well it has done over the past couple years and then still having a key holding of that. You'll also be doing a bit of a a rebalance there of the cybersecurity side of things, and then you'll be switching your allocation from where you are in the Australian market between Bennelong and then the Raffi index that you're currently in, which is sort of similar to the Australian 200 beta shares, but it's calculated a little bit differently as an index. And you'll be moving to that beta shares 200. And then with that, you'll be moving away from bank hybrids, which are getting phased out. You'll be moving away from agriculture at the moment, the food, and then having that allocation across those different geographical locations, which will encompass different industries being in those exchange traded funds, if that makes sense.\n\nYep. So, obviously, since you've been on board, your portfolio has been tracking quite well. Obviously, the last six months, probably not fantastic given that everything has gone on. But with that, we're doing the refresh now. So, hopefully, it will continue with the the uptick once the the war's over to continue to have sustained long term growth.\n\nSince coming on board, I believe, after fees and everything like that, it's sitting up around 23% up even with the dip that did occur, which is still nice growth. Obviously, the more money you have in there, the better that can compound moving forward as well, and then you're reducing investment costs with that moving forward. So by changing the investment there, you will be removing the active portions there, but that also does get rid of the manager risk that you currently hold. So you are tracking those indexes. There isn't a chance to try and outperform what the market's doing because you're just tracking what the markets are doing, but that comes at a base in terms of, like, your investments and the price you pay for having those funds invested, which all goes towards adding more money to your continued growth, if that makes sense.\n\nObviously, in terms of, like, the adviser fee, that will go up slightly in terms of that just purely for the fact of funds under management. If you were to come onboard, that's probably the biggest cost difference is that you will have significantly more funds with Oakview and being managed by their portfolios for that. So that will go up in terms of, like, the investment costs overall that will go down. And then within terms of the the amount of money you pay for your insurances, that will reduce as well because that will be getting removed. Yeah.\n\nSo we're recommending that you retain your tel insurances there. So you do have the $2,000,000 of life and total permanent disability and then also the income protection for around 1,100 $11,741 as a monthly benefit for that. Yeah. Because you've got that group cover because you have already comprehensive retail cover, and you don't have any exclusions or loadings with that. It just means that in the event that anything did happen, it's probably still more likely that you will be able to claim on your retail cover versus that group cover.\n\nIf you had a preexisting condition that was sort of covered potentially by those group insurances versus potentially not by your retail cover being the exclusion or the loading that you potentially would have, given that you don't have any health conditions or concerns that I'm aware of or that you've disclosed to us, then that means that you should be fully covered by that retail policy as opposed to, like, you know, a group policy that you can hold potentially before, you know, some conditions that may have arisen in your sort of earlier life there. Then you might wanna look at retaining it because you might be able to claim on a certain condition of total term disability and things like that or income protection. But given, you know, you don't have any sort of mental health, any sort of preexisting conditions that apply to that retail policy that you did take out, then it's just, if not more, comprehensive because it's already been underwritten versus that group policy that gets underwritten out or, like, assess at the time of claim, which means they still can can deny the claim. And you're paying $1,400 a year for for cover that doesn't meet your needs.\n\nAnd then, also, you can more than likely be able to claim on that retail policy versus that group top group policy anyway. So there's no need to double up and have the, you know, $2,400,000 worth cover when $2,000,000 worth of cover, if anything was to go wrong, would be more than adequate. Yeah. If that makes sense. Yeah.\n\nIn terms of, like, the super side of things and the the accounts that you would have, so, obviously, you've got quite a bit in both accounts. So it would roll over approximately that 68,000 from your ANZ to your hub 24, and then you'd have around a 123 in the the fund there with Hub twenty four. It would simplify things in the terms you wouldn't have two accounts. You'd all be in the one place for reporting in terms of your views being able to maintain everything there as well. It reduces overall investment costs, overall administration costs with having two funds with that and managing that.\n\nAnd then with that, you have access to, you know, the investments on the hub twenty four, the advanced reporting. You have grouped aggregate trading with hub twenty four as well, and then you also receive a few financials and ongoing service as well, if that all makes sense. So so with that, if you were to accept everything and be happy with everything, Harsh, and sign the document, then we can all deal with that in the back end and request that from Hub 24 platform itself. As far as the implementation side of things, the team can can manage that for you. If you're happy with everything, all you'd have to do is sign the document.\n\nBut as you said, feel free to have a read through, make sure you're across all the advantages, disadvantages, the risks, things like that. Now, obviously, when moving to a replay of platform, obviously, you're you're aware, like, versus unitized versus having capital gains on funds and things like that. So there will be a slight CGT liability with the switching of your investments, but it's sort of negligible over the long term. Yes. Yep.\n\nSo if you're happy with everything, then they'll implement that all for you. Won't even have to do anything by signing it to say you're happy with it. Obviously, one thing to be quite aware of, we given how volatile the markets are currently, when sort of selling down from your current, like, industry fund to moving it to hub 24, There's probably a couple weeks there where you're sitting in cash or the funds are being transferred, the rollovers before being vested, those sort of things. Now with that, the volatility of the market with those ups and downs now when sitting in cash, if the market drops and you buy in at the dip, that's fantastic. You've made, you know, a little bit because you're buying at a bit of a lower cost.\n\nIf the market returns somewhat, you know, by a percent or two during the time that you're sitting in cash, you are selling a bit lower and buying a tiny bit higher. As I said, the the actual gross percentage, it's, like, a little bit negligible over, you know, the longer term period and sort of moving, having the funds consolidated in the overall benefits. It's just something to be aware of given how volatile the markets are currently that there will probably be some movement. Obviously, with the war not ending, you know, the likelihood is it could just sort of stay a bit stagnant. If there were sort of certain announcements, so there may be a dip, there may be a rise, but I can't tell you what Trump's gonna tweak tomorrow.\n\nIt's just something to be aware of in terms of, like, the risk when switching from cash to reinvesting. Okay. Yeah. Not a problem. And then if you do sort of come across anything you do have any concerns with, we can sort of, you know, try and stop any trades.\n\nObviously, if they do put the rollover through and it goes through and everything like that, going back is a lot harder. But in the meantime, it shouldn't sort of be implemented at least for a few days if you have some chance to run through it. As I said, we yeah. Yep. Yeah.\n\nObviously, in regards to that, it's not in this advice piece, but generally speaking, know, you have the mortgage broker you're working with. Obviously, if you're not happy with them, we can recommend sort of another partner. Yeah. The main thing there would be to to, you know, finalize your renovations, make sure you're paying down that debt to get your equity back in your home, and even have your home potentially assessed with a a mortgage broker or real estate agent to see that and to see what equity you can access with your your home loan to potentially reenter any investment market there as well. Obviously, over the next sort of that six to twelve months, you're probably looking at finalizing those renovations and then seeing what the home value is and then obviously going from there.\n\nAnd then the main thing from there is obviously just focusing on, you know, making your payments, making any additional payments you do wanna do, sticking to your budget. Obviously, with the cost of living at the moment, it's very easy to to move away from your budgets. I know you're quite good generally with your your money from what you've told me. It's just important given with the, you know, the cost of living increasing and things like that. You might need to, you know, either forego a few things or just rejig your budget slightly that you're not sort of, you know, spending more than what you were previously to meet your goals over that longer term period.\n\nSo in terms of, like, changing your underlying investments per, like, you just calling up and wanting to have something in it? Yep. Yep. So in terms of, like, coming onboard as a client, they have a coupling fee at the moment. So that can drop your ongoing fees down to 1.1% as opposed to the 1.65.\n\nNow another benefit with they went with Hub twenty four, you wouldn't be able to merge the accounts and have the same, like, fund in a sense, but you can link the account through, like, family linking if they were recommended the hub 24 platform or if that's something that your partner wanted in terms of, like, simplicity and then also cost savings. And then what that does is it treats the money as the same in terms of, like, you know, if she had a 100 and you had your 100, it would be considered 200,000 of funds under management, and they would charge the administration fees accordingly to as 200 instead of, like, two separate accounts at a 100 each, which can save you on administration costs, but you'd still have your own separate account. You could have the same investment, so, technically, you'd be invested in the same things and things like that as well. The the difference is is they're still separate, that you just get a bit of fee savings, and then the reporting, you know, you can report individually on your individual accounts. And then yeah.\n\nIf you want obviously, the consultation part is is all free. So you can you know, if you want to refer your partner on, I believe the referral partner program is still going. So even if you referred your partner and she came on board, you can get, like, a $100 gift card if that's still running, which is a bit of a bonus, bit of free money. And then if they were to come on board as a client of Oakview as well, as I said, the ongoing fee would not only drop for your partner, but it'd drop for for you, which would save you on administration costs for the service here as well, if that makes sense. Yeah.\n\nYeah. Obviously, you've got the the financial services guide and Oakview services guide. So feel free to have a look through that, see the services on offer that you do get a part of that. Obviously, the biggest expenses, like, the upfront cost that you probably remember there. But ongoing from that, it is just a percentage based fee for the services you do get here at Oakview.\n\nAnd then sometimes it's nice just having it all in the one spot. You can look to, you know, you know, depending on what you wanna do a bit later in life as well, getting joint advice pieces, you know, getting your interviews closer together so it's all done in one big hit, and then sort of you don't have to think about it for the next twelve months as well. And then, also, yeah, if there was sort of any other people that you did sort of refer us onto or tell them to to come to us, it might be worth just saying that that you sent them and saying that you were the person that referred them on. If that referral program is still running, you might just get a free $100 gift card out of it if you are speaking to your workmates or any further friends or family as well. No problem, Hush.\n\nAs I was saying, though, there in regards to what we did consider, we did consider even just moving you back to ANZ due to, like, the past performance and then the cost with that one and the risk profile and the investment range you had. We just recommend you stick with the hub 24 and then stick with a more sort of tailored service for that longer term sort of mindset. And we also did look at another few retail form platforms, but the capital gains that you currently hold on your account and the benefits you'd get by moving elsewhere in terms of, like, any cost savings, it didn't really work out to be in your best interest, so we're just referring that you stay with hub twenty four. As I said on page 17 there, you will have the buyers and the sales of what you'd be selling and what you'd be buying. Now in the appendix, you do have links to that one as well to see what the recommended investments are if you would do wanna have a look at those.\n\nObviously, you wouldn't have that active management moving forward, which is a key component of that. But if you take into account your actively managed fund Benelon that didn't perform well and the actively cleavage fund that did perform well, you're still at a tiny bit of a loss in terms of, like, active management. Whereas if you just had a cheaper investment, the index investment moving forward, you would have saved on those investment costs, and you would have sort of had a little bit better performance. So with that moving forward, you obviously won't have the ability to potentially outperform the market, but you'll be following what the indexes are doing. And if the markets are performing well, then your portfolio will perform well as well as a cheaper alternative, and you'll have a little less volatility and a little less risk in terms of, like, manager risk and managers making the wrong decisions as opposed to, like, obviously, the war just affecting your portfolio's performance, if that makes sense.\n\nPerfect. In terms of the asset allocation, obviously, you're in a growth portfolio. So the recommended investment, it will still be in line with the growth portfolio around that 8020 split. You'll have around 83% in growth and around sort of 16.75 in defensive assets there. Moving forward, you'll be able to see the split between the Australian international equities, a little bit of property, and alternative growth assets, which is your gold majority.\n\nIt can be considered a bit defensive gold in terms of how it can act, but at the moment, it's just getting a lot of that capital growth. So that's how they define it at the moment. In relation to that one, it will be slightly less exposed to growth assets than your current portfolio, but it has historically performed better as well. On page 20 there, you'll be able to see how those cost differences look in terms of, like, the the fees you're paying, how it's split up, the investment, other fees, and things like that as well. And then you'll be able to see a projection from that one.\n\nNow projection is always to be taken with a grain of salt because, obviously, you know, no one knows what the market's gonna do tomorrow, let alone today. But it just gives you a bit of an illustration based on, like, cost, the regular performance, and how it was performed for the last five years and how that might look moving forward. So, obviously, the goal here is to try and put you in a better position. The the main thing there is you'll be saving on investment costs moving forward with the updated investment change. Your money will be together having a bit more of a compounding effect.\n\nSo when you do have those good years, obviously, that gets reinvested into the same investment, and you do have that high potential for that compounding effect to really get your your super growing versus having your funds split across different investment platforms. Perfect. In terms of the insurance side of things, you do already have that tailored insurance policy with TAL. As I said, you don't have those exclusions or loadings with the going through and underwriting to relook at changing those. We're just looking at keeping everything the same.\n\nIn future, you know, if your health's still well and nothing has changed and anything does pop up, we can look at rewriting the policy for, like, the exact same amount of cover a little bit less depending on what your needs currently are just to sort of review for market cost. But currently, it's still comparative in the market, still quite competitive for the amount of cover that you do hold there already. And then we're recommending getting rid of that live PVD and IP with the ANZ account. As I said, it is group cover. If it predated any conditions, we might potentially look at keeping it and retaining it.\n\nBut given, you know, you don't have any health conditions currently, then there's no reason that we should sort of retain that just for the insurance purposes when you do have adequate cover with pal, if that makes sense. Perfect. So with that, it'll save you over a thousand dollars per annum just on insurance costs, which is fantastic. That can go back into being invested and growing towards your retirement goals there as well. You will see what that impact will clock in terms of, like, if you had your current versus having a rec the recommended in regards to the five and ten year impact and then no insurances at all.\n\nObviously, it does affect your superannual balance and the growth over the long term. But in saying that, we do review it regularly to make sure it's not eating away too much at your retirement goals. And then, obviously, having that cover if they that anything did happen given, you know, the the family, you two two kids, and then the your partner with the level of debt you have, you'd wanna sort of make sure that they were well taken care of. Perfect. Obviously, the risk in regards to that if you didn't sort of disclose anything regarding that retail policy or any exclusions that may apply, you still don't have to meet the strict PPD definitions of the retail policy, same as if you were to sort of try and claim on your group cover.\n\nThe benefit is is it's obviously already underwritten. We did look at potentially retaining both policies, but it comes at quite a cost both in having two two funds and then two insurances. And then also the administration with that and the premiums that you're paying, that would just eat away at your retirement savings. And then we looked at obviously not having insurances there, but obviously that would leave you significantly at risk and under protected given your current lifestyle and family arrangements. As far as the ongoing fees, we do get obviously the 1.65% of the the balance.\n\nNow within regards to that one, it is around 2,123. Now with the ongoing service agreement, that's sort of what it'll roughly be as well because it's based on your current balance and growth. Out of that over a twelve month period, obviously, if the market still stay a bit stagnant with the war, that'll change slightly because it is a monthly figure that does come out. And then we do get 22% of the ongoing premium of the insurance policy that you do pay just for maintaining that policy with the insurer. It's not like an additional out of pocket cost or anything for you.\n\nThat's just what we get for maintaining that policy with the insurer through the payment that you do pay. We just have to disclose it because it is something we do get as a form from munition, if that makes sense. Perfect. As far as the the implementation side of things go, once you were to sign up which you have there, they'll complete that full rollout from the ANZ, which will cancel that group cover, and then it'll get the money consolidating to your hub 24. And then within regards to that, it does say that you could cancel your ANZ superannuation.\n\nThey'll follow-up on that. But when you complete a full rollover, it will just cancel those assurances automatically, if that makes sense. And then I hope you would do the investment update. But do you have any questions in regards to ongoing service, the ongoing service agreement, or your past sort of twelve months or anything like that, Harsh? I know I've had a few comments.\n\nIn regards to what from when we've previously spoken? No. It's still 1.65. Yeah. They've always been $1.06 point 0.65.\n\nObviously, if your balance grows, it will grow. So with no more funds coming under management, the adviser fee will go up because we'll have more funds under management there. But in terms of, like, the percentage base and how that's charged, that's all the same. Not a problem. Do you have any it is quite straightforward, that advice fee there, Harish.\n\nDo you have any questions or any concerns in regards to that? Or Yep. Not a problem at all. Just, yeah, ring up. And, obviously, if I'm free, I'll take the call.\n\nIf not, I'll get you booked back in or shoot shoot an email through. But, otherwise, I'll leave it in your hands, have a review of that, and come back with any other questions you may have there, Harsh. But I won't take up any more of your morning. I'll let you get back to it. No problem, Harsh.\n\nYou enjoy the rest of your day. Thanks for your time this morning, and I'm sure yeah. Perfect. Alright. Have a good one.\n\nThanks, Harsh. Bye.","paragraphs":[{"sentences":[{"text":"Good morning, Harsh.","start":2.48,"end":3.1999998,"sentiment":"positive","sentiment_score":0.43811389803886414},{"text":"It's Carl calling from HP Financial.","start":3.1999998,"end":4.72,"sentiment":"neutral","sentiment_score":0.24863510578870773},{"text":"How are you today?","start":4.72,"end":5.62,"sentiment":"neutral","sentiment_score":0.31085890531539917},{"text":"Yeah.","start":7.2,"end":7.44,"sentiment":"neutral","sentiment_score":0.2105250209569931},{"text":"Not too bad at all.","start":7.44,"end":8.16,"sentiment":"neutral","sentiment_score":0.27700060307979585}],"sentiment":"neutral","sentiment_score":0.2971113677087583,"num_words":19,"start":2.48,"end":8.16},{"sentences":[{"text":"I've had you scheduled in for your statement of advice presentation.","start":8.16,"end":10.58,"sentiment":"neutral","sentiment_score":0.28771825541149487},{"text":"Yeah.","start":12.175,"end":12.495,"sentiment":"neutral","sentiment_score":0.17147867381572723},{"text":"Isn't that still a good time for you?","start":12.495,"end":14.035,"sentiment":"neutral","sentiment_score":0.1897780578583479},{"text":"Perfect.","start":15.295,"end":15.695,"sentiment":"positive","sentiment_score":0.48696523904800415},{"text":"Not a problem.","start":15.695,"end":16.175,"sentiment":"neutral","sentiment_score":0.3312840163707733}],"sentiment":"neutral","sentiment_score":0.2639758847653866,"num_words":24,"start":8.16,"end":16.175},{"sentences":[{"text":"Just to get started on that one, Harsh, if I could just pass through security, just that name, date of birth, and current address for me, please?","start":16.175,"end":21.154999,"sentiment":"neutral","sentiment_score":0.13940146648221546},{"text":"Yeah.","start":25.95,"end":26.19,"sentiment":"neutral","sentiment_score":0.08530686050653458},{"text":"Just a pass through security.","start":26.19,"end":27.390001,"sentiment":"neutral","sentiment_score":0.07656344547867774},{"text":"So just your name, date of birth, and current address.","start":27.390001,"end":29.87,"sentiment":"neutral","sentiment_score":0.08809327557682992},{"text":"We can set up a client password afterwards if you you would like, if you don't wanna do the three points for security in future.","start":29.87,"end":35.73,"sentiment":"neutral","sentiment_score":0.1051071186363697}],"sentiment":"neutral","sentiment_score":0.11383197653819532,"num_words":68,"start":16.175,"end":35.73},{"sentences":[{"text":"Perfect.","start":45.725,"end":46.204998,"sentiment":"positive","sentiment_score":0.5018512010574341},{"text":"Thanks for confirming today, Harsh.","start":46.204998,"end":49.280003,"sentiment":"positive","sentiment_score":0.6380213499069214},{"text":"Now I know when you spoke to my colleague on the phone that you did update just a few details just in regards to your assets and liabilities there.","start":49.98,"end":57.9,"sentiment":"neutral","sentiment_score":0.08128681316457946},{"text":"Now your debt value jumped up quite significantly there.","start":57.9,"end":62.06,"sentiment":"neutral","sentiment_score":-0.14937359674109352},{"text":"Did you redraw on your mortgage to sort of look at renovating?","start":62.06,"end":67.095,"sentiment":"neutral","sentiment_score":-0.05657670057068268}],"sentiment":"neutral","sentiment_score":0.07189272776512164,"num_words":56,"start":45.725,"end":67.095},{"sentences":[{"text":"Or so it's for renovations?","start":67.235,"end":70.295,"sentiment":"neutral","sentiment_score":-0.004888887982815504},{"text":"Perfect.","start":73.395004,"end":73.895004,"sentiment":"neutral","sentiment_score":0.11712917685508728},{"text":"And then, obviously, they're not completed yet, so you haven't had, like, a reevaluation of the the home to see what that sort of gone yeah.","start":74.035,"end":87.77,"sentiment":"neutral","sentiment_score":-0.04441060713277413},{"text":"Not a problem at all.","start":87.77,"end":88.91,"sentiment":"neutral","sentiment_score":0.1232974350452423},{"text":"You do have access to the mortgage brokers here.","start":89.37,"end":91.85,"sentiment":"neutral","sentiment_score":0.1154420127471288}],"sentiment":"neutral","sentiment_score":0.01290161394433159,"num_words":46,"start":67.235,"end":91.85},{"sentences":[{"text":"Well, if you do wanna, obviously, you know, get a second opinion from the one you currently have or just in anyone in general, we can pass along those details if you do wanna look at refinancing once that is done.","start":91.85,"end":102.515,"sentiment":"neutral","sentiment_score":0.08227328133837479},{"text":"Yeah.","start":108.35,"end":108.75,"sentiment":"neutral","sentiment_score":-0.038175538182258606},{"text":"Obviously, yeah, after the you'd reevaluate in terms of, like, the property and everything like that.","start":108.75,"end":112.909996,"sentiment":"neutral","sentiment_score":-0.06779995956458151},{"text":"No.","start":112.909996,"end":113.07,"sentiment":"neutral","sentiment_score":-0.19408577680587769},{"text":"If you want hopefully, the war kind of dies off soon and then the interest rates come back to a bit more of a a normal amount if you wanna go fix for a period or not.","start":113.07,"end":120.485,"sentiment":"neutral","sentiment_score":-0.18513976062673168}],"sentiment":"neutral","sentiment_score":-0.04993778412851194,"num_words":96,"start":91.85,"end":120.485},{"sentences":[{"text":"So that's perfectly fine.","start":120.485,"end":121.784996,"sentiment":"neutral","sentiment_score":0.25439295917749405},{"text":"But as far as any other details there, Harsh, nothing else has changed?","start":121.845,"end":124.665,"sentiment":"neutral","sentiment_score":-0.05466399284509512},{"text":"Perfect.","start":127.045,"end":127.284996,"sentiment":"positive","sentiment_score":0.41045039892196655},{"text":"So I'll just be sending this out to your email, Harsh dot Marla.","start":127.284996,"end":130.985,"sentiment":"neutral","sentiment_score":0.24712724869067854},{"text":"Okay.","start":144.075,"end":144.315,"sentiment":"neutral","sentiment_score":0.1277618408203125}],"sentiment":"neutral","sentiment_score":0.12680645007640123,"num_words":32,"start":120.485,"end":144.315},{"sentences":[{"text":"So you've got a debt value of around $8.50 on the home loan, and that's your entire debt.","start":144.315,"end":148.795,"sentiment":"neutral","sentiment_score":0.12075026167763604},{"text":"You wiped the 55 from the cars as well?","start":148.795,"end":151.295,"sentiment":"neutral","sentiment_score":0.03959538870387607},{"text":"Yeah.","start":158.57,"end":158.97,"sentiment":"neutral","sentiment_score":0.05650955438613891},{"text":"No.","start":158.97,"end":159.47,"sentiment":"neutral","sentiment_score":-0.04579779505729675},{"text":"The credit card's all paid off and everything as well.","start":160.49,"end":163.13,"sentiment":"neutral","sentiment_score":-0.024445325881242753}],"sentiment":"neutral","sentiment_score":0.05887491561663456,"num_words":39,"start":144.315,"end":163.13},{"sentences":[{"text":"Okay.","start":163.13,"end":163.53,"sentiment":"neutral","sentiment_score":0.049163058400154114},{"text":"No problem.","start":163.53,"end":164.17,"sentiment":"neutral","sentiment_score":0.09416969865560532},{"text":"And as far as the novated lease, you're continuing in novated lease, you didn't buy that out or any yeah.","start":164.17,"end":168.49,"sentiment":"neutral","sentiment_score":-0.005476929433643817},{"text":"Okay.","start":168.49,"end":168.81,"sentiment":"neutral","sentiment_score":0.021833699196577072},{"text":"No.","start":168.81,"end":168.97,"sentiment":"neutral","sentiment_score":-0.010986868292093275}],"sentiment":"neutral","sentiment_score":0.005552427917718887,"num_words":25,"start":163.13,"end":168.97},{"sentences":[{"text":"No.","start":168.97,"end":169.13,"sentiment":"neutral","sentiment_score":-0.0015066266059875488},{"text":"No problem.","start":169.13,"end":169.725,"sentiment":"neutral","sentiment_score":0.054419077932834625},{"text":"Yeah.","start":172.925,"end":173.425,"sentiment":"neutral","sentiment_score":0.08457380533218384},{"text":"Not a problem.","start":173.565,"end":174.865,"sentiment":"neutral","sentiment_score":0.13341311117013296},{"text":"I'll just update those.","start":175.085,"end":176.205,"sentiment":"neutral","sentiment_score":0.12337984517216682}],"sentiment":"neutral","sentiment_score":0.09869673170826652,"num_words":11,"start":168.97,"end":176.205},{"sentences":[{"text":"So as far as that details, it will still have your your card debts on this.","start":176.205,"end":180.625,"sentiment":"neutral","sentiment_score":0.09480164921842515},{"text":"In addition to the we did update your home loan debt to the $8.50.","start":181.085,"end":184.865,"sentiment":"neutral","sentiment_score":0.11491022152560097},{"text":"If you do want an updated piece just to change that figure, that's more than fine, but it doesn't actually affect the advice piece there today as well.","start":185.13,"end":191.39,"sentiment":"neutral","sentiment_score":0.16444590554705688},{"text":"So this will be going to Harsh.Martha123@Gmail.com, and you should have this shortly.","start":193.77,"end":201.03499,"sentiment":"neutral","sentiment_score":0.12619801367131564},{"text":"Now within regards to the documents there, so it with OdooSign, you'll have the email and the attachments with that.","start":201.815,"end":207.735,"sentiment":"neutral","sentiment_score":0.1364677708595991}],"sentiment":"neutral","sentiment_score":0.13296686196802082,"num_words":91,"start":176.205,"end":207.735},{"sentences":[{"text":"So you'll have a copy of the statement advice, the appendix.","start":207.735,"end":210.235,"sentiment":"neutral","sentiment_score":0.22156276350671594},{"text":"You'll also have the PDFs for the products you hold and the recommended products, and then the services guide and financial services guide as well, just the up to date most copies, and a Vanguard index chart for you to be able to look at, just the markets over the past thirty years or so.","start":210.295,"end":224.48,"sentiment":"neutral","sentiment_score":0.2528744039210406},{"text":"And then within regards to signable documents, there will be your ongoing service agreement and the statement advice.","start":224.86,"end":229.9,"sentiment":"neutral","sentiment_score":0.2423046169181665},{"text":"We were happy to stay on board, happy to take on the advice as well.","start":229.9,"end":232.865,"sentiment":"positive","sentiment_score":0.7647724111874898},{"text":"So that will be with you there shortly, and then we can run through the document and its recommendations.","start":233.485,"end":238.225,"sentiment":"positive","sentiment_score":0.3491141623572299}],"sentiment":"neutral","sentiment_score":0.32891119467252394,"num_words":118,"start":207.735,"end":238.225},{"sentences":[{"text":"But before we get started, is there any questions you do have or anything you wanted to touch on before we jump into that document there today, Hass?","start":239.085,"end":244.38,"sentiment":"neutral","sentiment_score":0.03649170084723404},{"text":"Not a problem.","start":246.22,"end":247.12001,"sentiment":"neutral","sentiment_score":0.2981336712837219},{"text":"So once this comes up, you'll be able to click on the the attached statement advice for us to be able to run through there.","start":247.18001,"end":252.70001,"sentiment":"neutral","sentiment_score":0.24683156728744507},{"text":"So it was prepared for yourself.","start":252.70001,"end":254.3,"sentiment":"positive","sentiment_score":0.35712972780068714},{"text":"It was finalized on the March 18 there.","start":254.3,"end":256.38,"sentiment":"positive","sentiment_score":0.33394806273281574}],"sentiment":"neutral","sentiment_score":0.18430458126323565,"num_words":70,"start":239.085,"end":256.38},{"sentences":[{"text":"Now you do have thirty days from that date for it to be valid and then another thirty days as long as you confirm your details.","start":256.38,"end":261.835,"sentiment":"neutral","sentiment_score":0.222504439835365},{"text":"Since we confirm your details, as long as you sign that date, it's that timeline, it's sort of fine.","start":262.29498,"end":268.395,"sentiment":"positive","sentiment_score":0.4053067612020593},{"text":"So it's prepared by myself and the team here as an authorized representative under OQ Financial.","start":268.85498,"end":273.08,"sentiment":"neutral","sentiment_score":0.2715030275285244},{"text":"Within regards to that, it still takes an account best interest, Judy, trying to put you in a better position for you currently at even though your original adviser obviously was with us.","start":274.26,"end":281.46,"sentiment":"neutral","sentiment_score":0.07850652030020049},{"text":"And then from there, we're just constantly trying to put you in a better position by updating that advice as well.","start":281.46,"end":286.335,"sentiment":"neutral","sentiment_score":0.17778209490435465}],"sentiment":"neutral","sentiment_score":0.21003592610359192,"num_words":115,"start":256.38,"end":286.335},{"sentences":[{"text":"Now has that email come through there, Hass?","start":287.935,"end":289.69498,"sentiment":"neutral","sentiment_score":0.1188357463106513},{"text":"Do you be able to review yeah.","start":289.69498,"end":291.315,"sentiment":"neutral","sentiment_score":0.05676914059690067},{"text":"Yeah.","start":292.655,"end":293.055,"sentiment":"neutral","sentiment_score":0.17628061771392822},{"text":"Not a problem.","start":293.055,"end":293.875,"sentiment":"neutral","sentiment_score":0.1885921855767568},{"text":"So on the the pages over there on three and four and then also five, you'll be able to see the the scoping and what we sort of considered when we're having out of those conversations.","start":294.255,"end":303.85,"sentiment":"neutral","sentiment_score":0.05293571328123411}],"sentiment":"neutral","sentiment_score":0.0726511419496753,"num_words":55,"start":287.935,"end":303.85},{"sentences":[{"text":"Now within regards to that, it was mainly around the superannuation and looking at the the insurances as well.","start":304.39,"end":310.47,"sentiment":"neutral","sentiment_score":0.036479068429846516},{"text":"Now with your super, you obviously have that account there with those group insurances and then also looking at that versus your current account, looking at your that versus your retail cover there as well.","start":310.47,"end":321.165,"sentiment":"neutral","sentiment_score":0.045464935047285895},{"text":"So main focus there is reviewing that superannuation, reviewing your insurances there, if that makes sense.","start":321.225,"end":325.885,"sentiment":"neutral","sentiment_score":0.1213197223842144},{"text":"Now in regards to the estate planning, we had a discussion around that.","start":328.32,"end":331.6,"sentiment":"neutral","sentiment_score":0.22631735985095686},{"text":"You're quite satisfied with what you've currently got in place in regards to your estate planning and then also in regards to your cash flow and budgeting and then being able to to save effectively for the debts that you do have And then also in regards to looking at your financing, I know you were looking through the Ola Lending that we're referred to by someone prior as well and happy with them, and then also looking at investment property down the track as well.","start":331.6,"end":355.68,"sentiment":"neutral","sentiment_score":0.3018755482639684}],"sentiment":"neutral","sentiment_score":0.19602907345404286,"num_words":169,"start":304.39,"end":355.68},{"sentences":[{"text":"But it's so far those are all scoped out.","start":355.84,"end":357.91998,"sentiment":"neutral","sentiment_score":0.06096515307823817},{"text":"They're just accountability partners in regards to that as far as the advised piece of data centered around that superannuation insurances, if that makes sense to us.","start":357.91998,"end":365.46,"sentiment":"neutral","sentiment_score":0.07461691965107564},{"text":"Perfect.","start":367.28,"end":367.75998,"sentiment":"positive","sentiment_score":0.3937367796897888},{"text":"So quite simply there after the review, we're recommending that you roll over your ANZ superannuation fund to your hub twenty four superannuation fund and switch your underlying investment there as a bit of an investment reset refresh.","start":367.75998,"end":379.20502,"sentiment":"neutral","sentiment_score":0.11246468714977566},{"text":"And then also just retaining that tower cover and canceling your ANZ group insurances there as well.","start":379.42502,"end":384.36,"sentiment":"neutral","sentiment_score":0.04113057058523683}],"sentiment":"neutral","sentiment_score":0.08619519347405952,"num_words":92,"start":355.84,"end":384.36},{"sentences":[{"text":"Now before we jump into the document there, do you have any questions in regards to that?","start":386.75998,"end":390.12,"sentiment":"neutral","sentiment_score":0.05712907432633288},{"text":"That's, like, the very straightforward strategy recommendation they have.","start":390.12,"end":393.58,"sentiment":"neutral","sentiment_score":0.23082429005040062},{"text":"Yeah.","start":399.815,"end":400.055,"sentiment":"neutral","sentiment_score":0.07546353340148926},{"text":"I'll run through the the document there with you.","start":400.055,"end":402.375,"sentiment":"neutral","sentiment_score":0.15945675472418466},{"text":"Obviously, I just wanted to see if you had any questions before we jump into it.","start":402.375,"end":405.655,"sentiment":"neutral","sentiment_score":0.13698597298935056}],"sentiment":"neutral","sentiment_score":0.12982620707211587,"num_words":52,"start":386.75998,"end":405.655},{"sentences":[{"text":"I'll run through, do a bit of a brief overview of everything, give you the key points, and then you can have some time to go away, take it away, and have a read through everything and see if you were happy with it or not.","start":405.655,"end":414.76,"sentiment":"neutral","sentiment_score":0.22626715072471162},{"text":"No problem.","start":417.7,"end":418.34003,"sentiment":"positive","sentiment_score":0.39857397973537445},{"text":"So on page seven there, you'll have just your general information.","start":418.58002,"end":421.72,"sentiment":"neutral","sentiment_score":0.31235408918424085},{"text":"So feel free to look over that and make sure it is all correct.","start":422.26,"end":425.08002,"sentiment":"positive","sentiment_score":0.3534539703811918},{"text":"On the page after that, you will have those assets and liabilities.","start":425.565,"end":428.065,"sentiment":"neutral","sentiment_score":0.10396129079163074}],"sentiment":"neutral","sentiment_score":0.24514379939612221,"num_words":85,"start":405.655,"end":428.065},{"sentences":[{"text":"As I said, it will be slightly different just because you said you have consolidated that motor vehicle debt and put that on the home loan.","start":428.125,"end":434.465,"sentiment":"neutral","sentiment_score":-0.009491401079755563},{"text":"Now in regards to the page nine there, you will see current position.","start":436.365,"end":439.92,"sentiment":"neutral","sentiment_score":0.1405365260747763},{"text":"So your ANZ account and then also your hub 24 account.","start":439.92,"end":442.98,"sentiment":"neutral","sentiment_score":0.17605189030820673},{"text":"And then you'll also see your insurance position, what you hold with the group insurance with ANZ, and then also what you do hold there with how the underwritten cover that you did get with that one as well.","start":443.44,"end":454.185,"sentiment":"neutral","sentiment_score":0.16841725756724676},{"text":"Now in regards to your risk profile, you did score as a growth risk profile, which is in line with what we've currently got you invested in.","start":454.965,"end":463.22498,"sentiment":"neutral","sentiment_score":0.26497427346529784}],"sentiment":"neutral","sentiment_score":0.14861506580150333,"num_words":116,"start":428.125,"end":463.22498},{"sentences":[{"text":"And then with that, we are recommending a growth portfolio moving forward.","start":463.525,"end":466.77002,"sentiment":"positive","sentiment_score":0.3382874478896459},{"text":"But do you have any questions around your risk profile or anything like that there, Harsh?","start":466.77002,"end":470.15,"sentiment":"neutral","sentiment_score":-0.019173302629496902},{"text":"Yep.","start":473.57,"end":473.97,"sentiment":"neutral","sentiment_score":0.12851545214653015},{"text":"Not a problem at all.","start":473.97,"end":475.27002,"sentiment":"positive","sentiment_score":0.3515367329120636},{"text":"Now with the actual recommendation itself there, so we obviously reviewed both your superannuation plan you currently hold, Hub twenty four as well and see which one is performing better.","start":475.57,"end":487.015,"sentiment":"neutral","sentiment_score":0.2655630650619666}],"sentiment":"neutral","sentiment_score":0.21259011876827572,"num_words":64,"start":463.525,"end":487.015},{"sentences":[{"text":"We also considered a couple other retail platforms just to see in comparative to, like, pricing if Hub twenty four was still, like, a good competitive market alternative.","start":487.015,"end":495.49,"sentiment":"neutral","sentiment_score":0.3066679798066616},{"text":"Now within regards to reviewing all that, it's just looking like at the moment, given the performance you are getting at your Hub twenty four, given the service you do get by having an adviser to be able to tailor those solutions and strategies to you with that platform, it would be still favorable for you to maintain that Hub 24 platform and consolidate your ANZ super.","start":496.03,"end":514.65497,"sentiment":"positive","sentiment_score":0.4086108866022594},{"text":"Yeah.","start":515.355,"end":515.855,"sentiment":"neutral","sentiment_score":-0.03474108874797821},{"text":"Upon reviewing your ANZ super account, we're deferring that you didn't get any, like, employer related benefits from that and justify retaining that or having a second fund for the point of that.","start":516.15497,"end":525.58,"sentiment":"neutral","sentiment_score":-0.22819824878013495},{"text":"Now with that, having the the cost investment wise, it is quite expensive and then the performance that they were getting in compare in comparison to your hub twenty four.","start":526.28,"end":536.14,"sentiment":"neutral","sentiment_score":-0.19788126274943352}],"sentiment":"neutral","sentiment_score":0.14126988462869478,"num_words":159,"start":487.015,"end":536.14},{"sentences":[{"text":"Now by transitioning to Hub twenty four, you have all your funds consolidated.","start":537.575,"end":541.735,"sentiment":"neutral","sentiment_score":0.267221474303649},{"text":"You don't have the two platforms, so that reduces the administration costs.","start":541.735,"end":545.275,"sentiment":"neutral","sentiment_score":0.30852578580379486},{"text":"And then with that one there as well, you do have more tailorability to your investment portfolio and future strategies there as well.","start":545.655,"end":551.85,"sentiment":"neutral","sentiment_score":0.2975666283265404},{"text":"Yeah.","start":553.85,"end":554.35,"sentiment":"neutral","sentiment_score":0.05751531571149826},{"text":"Have you sort of had a play around much on your Hub twenty four since we've had our discussions?","start":554.41,"end":559.05,"sentiment":"neutral","sentiment_score":0.04964434786846763}],"sentiment":"neutral","sentiment_score":0.22089674959287925,"num_words":68,"start":537.575,"end":559.05},{"sentences":[{"text":"Do you have any concerns or questions in regards to that?","start":559.05,"end":561.94995,"sentiment":"neutral","sentiment_score":-0.09856339036063715},{"text":"Yeah.","start":563.29,"end":563.52997,"sentiment":"neutral","sentiment_score":-0.055290911346673965},{"text":"No.","start":563.52997,"end":563.76996,"sentiment":"neutral","sentiment_score":-0.08109042793512344},{"text":"That's perfectly fine.","start":563.76996,"end":564.64996,"sentiment":"neutral","sentiment_score":0.13211031009753546},{"text":"Obviously, it's Which page she Right.","start":564.64996,"end":601.35504,"sentiment":"neutral","sentiment_score":0.01065493495358775}],"sentiment":"neutral","sentiment_score":-0.03455991332884878,"num_words":22,"start":559.05,"end":601.35504},{"sentences":[{"text":"Yeah.","start":601.35504,"end":601.675,"sentiment":"neutral","sentiment_score":0.05454649031162262},{"text":"Okay.","start":601.675,"end":602.13,"sentiment":"neutral","sentiment_score":0.04725474864244461},{"text":"And in regards to, like, how they sort of, like, split the idea up in terms of, like, the different classes in the different areas where it's yeah.","start":602.21,"end":609.2,"sentiment":"neutral","sentiment_score":0.007258116666759763},{"text":"So it's how they they balance their portfolios in terms of the diversification.","start":622.78503,"end":627.03503,"sentiment":"neutral","sentiment_score":0.033993168805654235},{"text":"So, recommended portfolio, you'll be able to see that on page 17.","start":627.03503,"end":636.04,"sentiment":"neutral","sentiment_score":0.07129283094157775}],"sentiment":"neutral","sentiment_score":0.029135521298105066,"num_words":55,"start":601.35504,"end":636.04},{"sentences":[{"text":"So currently, you have two managed funds.","start":636.5,"end":638.66,"sentiment":"neutral","sentiment_score":-0.025532868823834827},{"text":"So you got ClearBridge Rare Infrastructure, which has been doing alright, and then also the Benelong Australian Equities, which is around that 10% mark, which hasn't done great at all.","start":638.66,"end":647.315,"sentiment":"neutral","sentiment_score":-0.11170948073267936},{"text":"It's down that 20% over the year, given that everything has happened with the underlying investment and then also what happened with the war as well.","start":647.315,"end":654.6,"sentiment":"neutral","sentiment_score":-0.285885017651778},{"text":"And that's in Australian equities.","start":655.0,"end":656.54,"sentiment":"neutral","sentiment_score":-0.15379931330680846},{"text":"And then also, you do have, like, agriculture, some physical gold, and then also some cybersecurity in there as well, and then your key holdings being, like, the the S and P five hundred.","start":657.16,"end":667.5,"sentiment":"neutral","sentiment_score":0.013056243057636654}],"sentiment":"neutral","sentiment_score":-0.11066773789478283,"num_words":102,"start":636.5,"end":667.5},{"sentences":[{"text":"Now in regards to that one, the portfolio we're recommending moving forward still maintains some key holdings there as a part of that, so it reduces the capital gains.","start":668.945,"end":677.82495,"sentiment":"neutral","sentiment_score":0.009639366561996526},{"text":"So you still have a nice key holding in the s and p five hundred even with America And how things are going, you still have an allocation of cybersecurity and a physical gold.","start":677.82495,"end":687.41,"sentiment":"neutral","sentiment_score":0.29793715498903217},{"text":"The newer investments that will be going into that one, you'll be transitioning away from where you're currently in in the Australian market to the BetaShares Australian two hundred, which is the top 200 companies in Australia, and that will become another key holding in your portfolio.","start":687.47,"end":699.91504,"sentiment":"neutral","sentiment_score":0.13298846020343455},{"text":"That'll be about 20.","start":699.91504,"end":701.29504,"sentiment":"neutral","sentiment_score":0.1182317677885294},{"text":"And then the other satellites around that in terms of the diversification of international equities that we can turn, they're spread across Europe, Japan, and then all world excluding The US.","start":701.515,"end":711.935,"sentiment":"neutral","sentiment_score":0.05051011288718831}],"sentiment":"neutral","sentiment_score":0.12895588344926465,"num_words":145,"start":668.945,"end":711.935},{"sentences":[{"text":"So not any sort of specific focuses in any sort of war areas apart from obviously having a key allocation still to The US, but you've still got that currently in your portfolio and hope you isn't sort of moving away from that market in terms with everything long term anyway.","start":711.99,"end":729.165,"sentiment":"neutral","sentiment_score":-0.06733888665250704},{"text":"They still see it as still being a viable investment for the long term, if that makes sense.","start":729.165,"end":736.145,"sentiment":"neutral","sentiment_score":0.2431653067469597},{"text":"No.","start":760.875,"end":761.11505,"sentiment":"neutral","sentiment_score":-0.11760587990283966},{"text":"So on that with that on page 17 there, that's an update to ones that are going and ones that are go being bought.","start":761.11505,"end":768.22,"sentiment":"neutral","sentiment_score":-0.032993620222744845},{"text":"You'll be able to see that there will be a rebalance.","start":768.6,"end":770.62,"sentiment":"neutral","sentiment_score":0.057745350948111576}],"sentiment":"neutral","sentiment_score":0.006366079974742163,"num_words":105,"start":711.99,"end":770.62},{"sentences":[{"text":"You will be getting rid of some of your physical gold because you do have a bit of an over allocation of that for how well it has done over the past couple years and then still having a key holding of that.","start":770.75995,"end":780.175,"sentiment":"neutral","sentiment_score":-0.05492642132002254},{"text":"You'll also be doing a bit of a a rebalance there of the cybersecurity side of things, and then you'll be switching your allocation from where you are in the Australian market between Bennelong and then the Raffi index that you're currently in, which is sort of similar to the Australian 200 beta shares, but it's calculated a little bit differently as an index.","start":780.175,"end":799.09,"sentiment":"neutral","sentiment_score":0.07849668810376897},{"text":"And you'll be moving to that beta shares 200.","start":799.39,"end":801.95,"sentiment":"neutral","sentiment_score":0.021962272831135325},{"text":"And then with that, you'll be moving away from bank hybrids, which are getting phased out.","start":801.95,"end":807.025,"sentiment":"neutral","sentiment_score":-0.0482259239843188},{"text":"You'll be moving away from agriculture at the moment, the food, and then having that allocation across those different geographical locations, which will encompass different industries being in those exchange traded funds, if that makes sense.","start":807.025,"end":819.93,"sentiment":"neutral","sentiment_score":-0.006727583809859223}],"sentiment":"neutral","sentiment_score":0.010986932002716847,"num_words":168,"start":770.75995,"end":819.93},{"sentences":[{"text":"Yep.","start":822.97,"end":823.47,"sentiment":"neutral","sentiment_score":0.1643727421760559},{"text":"So, obviously, since you've been on board, your portfolio has been tracking quite well.","start":823.69,"end":828.64996,"sentiment":"neutral","sentiment_score":0.2546074922595705},{"text":"Obviously, the last six months, probably not fantastic given that everything has gone on.","start":828.64996,"end":833.375,"sentiment":"neutral","sentiment_score":0.0457530032311167},{"text":"But with that, we're doing the refresh now.","start":833.435,"end":835.115,"sentiment":"neutral","sentiment_score":0.12963659688830376},{"text":"So, hopefully, it will continue with the the uptick once the the war's over to continue to have sustained long term growth.","start":835.115,"end":841.935,"sentiment":"neutral","sentiment_score":0.3163030719892545}],"sentiment":"neutral","sentiment_score":0.2095793226765374,"num_words":59,"start":822.97,"end":841.935},{"sentences":[{"text":"Since coming on board, I believe, after fees and everything like that, it's sitting up around 23% up even with the dip that did occur, which is still nice growth.","start":843.03503,"end":851.47003,"sentiment":"positive","sentiment_score":0.4138303736845652},{"text":"Obviously, the more money you have in there, the better that can compound moving forward as well, and then you're reducing investment costs with that moving forward.","start":851.93,"end":860.43,"sentiment":"positive","sentiment_score":0.48489692365681686},{"text":"So by changing the investment there, you will be removing the active portions there, but that also does get rid of the manager risk that you currently hold.","start":860.895,"end":868.655,"sentiment":"neutral","sentiment_score":0.1664772999605962},{"text":"So you are tracking those indexes.","start":868.655,"end":870.195,"sentiment":"neutral","sentiment_score":0.2558272257447243},{"text":"There isn't a chance to try and outperform what the market's doing because you're just tracking what the markets are doing, but that comes at a base in terms of, like, your investments and the price you pay for having those funds invested, which all goes towards adding more money to your continued growth, if that makes sense.","start":870.49506,"end":888.12,"sentiment":"neutral","sentiment_score":0.2822578862823289}],"sentiment":"neutral","sentiment_score":0.3226470691745713,"num_words":149,"start":843.03503,"end":888.12},{"sentences":[{"text":"Obviously, in terms of, like, the adviser fee, that will go up slightly in terms of that just purely for the fact of funds under management.","start":888.625,"end":895.76495,"sentiment":"neutral","sentiment_score":0.026822877761263113},{"text":"If you were to come onboard, that's probably the biggest cost difference is that you will have significantly more funds with Oakview and being managed by their portfolios for that.","start":895.985,"end":904.82,"sentiment":"neutral","sentiment_score":0.06807073714832465},{"text":"So that will go up in terms of, like, the investment costs overall that will go down.","start":904.82,"end":909.32,"sentiment":"neutral","sentiment_score":0.258773634538931},{"text":"And then within terms of the the amount of money you pay for your insurances, that will reduce as well because that will be getting removed.","start":909.86,"end":917.8,"sentiment":"neutral","sentiment_score":0.20905319028175795},{"text":"Yeah.","start":928.625,"end":928.945,"sentiment":"neutral","sentiment_score":0.062143415212631226}],"sentiment":"neutral","sentiment_score":0.12636195085942745,"num_words":100,"start":888.625,"end":928.945},{"sentences":[{"text":"So we're recommending that you retain your tel insurances there.","start":928.945,"end":932.485,"sentiment":"neutral","sentiment_score":0.11490997821092605},{"text":"So you do have the $2,000,000 of life and total permanent disability and then also the income protection for around 1,100 $11,741 as a monthly benefit for that.","start":932.76,"end":943.82,"sentiment":"neutral","sentiment_score":0.1499989346734115},{"text":"Yeah.","start":952.21497,"end":952.615,"sentiment":"neutral","sentiment_score":0.08857544511556625},{"text":"Because you've got that group cover because you have already comprehensive retail cover, and you don't have any exclusions or loadings with that.","start":952.615,"end":961.02997,"sentiment":"neutral","sentiment_score":0.1141634839789375},{"text":"It just means that in the event that anything did happen, it's probably still more likely that you will be able to claim on your retail cover versus that group cover.","start":961.02997,"end":970.70996,"sentiment":"neutral","sentiment_score":0.15953629439876926}],"sentiment":"neutral","sentiment_score":0.13988205006406193,"num_words":93,"start":928.945,"end":970.70996},{"sentences":[{"text":"If you had a preexisting condition that was sort of covered potentially by those group insurances versus potentially not by your retail cover being the exclusion or the loading that you potentially would have, given that you don't have any health conditions or concerns that I'm aware of or that you've disclosed to us, then that means that you should be fully covered by that retail policy as opposed to, like, you know, a group policy that you can hold potentially before, you know, some conditions that may have arisen in your sort of earlier life there.","start":970.70996,"end":1004.45996,"sentiment":"neutral","sentiment_score":0.04422526201233268},{"text":"Then you might wanna look at retaining it because you might be able to claim on a certain condition of total term disability and things like that or income protection.","start":1005.355,"end":1012.175,"sentiment":"neutral","sentiment_score":0.14923672030369442},{"text":"But given, you know, you don't have any sort of mental health, any sort of preexisting conditions that apply to that retail policy that you did take out, then it's just, if not more, comprehensive because it's already been underwritten versus that group policy that gets underwritten out or, like, assess at the time of claim, which means they still can can deny the claim.","start":1012.475,"end":1033.03,"sentiment":"neutral","sentiment_score":-0.16587005028357873},{"text":"And you're paying $1,400 a year for for cover that doesn't meet your needs.","start":1033.095,"end":1038.075,"sentiment":"neutral","sentiment_score":-0.32102753115551813}],"sentiment":"neutral","sentiment_score":-0.03159702271991635,"num_words":206,"start":970.70996,"end":1038.075},{"sentences":[{"text":"And then, also, you can more than likely be able to claim on that retail policy versus that group top group policy anyway.","start":1038.375,"end":1044.715,"sentiment":"neutral","sentiment_score":-0.05223401328143866},{"text":"So there's no need to double up and have the, you know, $2,400,000 worth cover when $2,000,000 worth of cover, if anything was to go wrong, would be more than adequate.","start":1045.095,"end":1053.25,"sentiment":"neutral","sentiment_score":0.13206576123352973},{"text":"Yeah.","start":1053.63,"end":1054.13,"sentiment":"neutral","sentiment_score":0.24563127756118777},{"text":"If that makes sense.","start":1054.19,"end":1055.33,"sentiment":"neutral","sentiment_score":0.26867853477597237},{"text":"Yeah.","start":1059.07,"end":1059.57,"sentiment":"neutral","sentiment_score":0.21676713228225708}],"sentiment":"neutral","sentiment_score":0.07382948069522778,"num_words":60,"start":1038.375,"end":1059.57},{"sentences":[{"text":"In terms of, like, the super side of things and the the accounts that you would have, so, obviously, you've got quite a bit in both accounts.","start":1059.95,"end":1066.6849,"sentiment":"neutral","sentiment_score":0.12963537319942756},{"text":"So it would roll over approximately that 68,000 from your ANZ to your hub 24, and then you'd have around a 123 in the the fund there with Hub twenty four.","start":1066.6849,"end":1076.0,"sentiment":"neutral","sentiment_score":0.1760662558578676},{"text":"It would simplify things in the terms you wouldn't have two accounts.","start":1076.0,"end":1078.88,"sentiment":"neutral","sentiment_score":0.2728469595313072},{"text":"You'd all be in the one place for reporting in terms of your views being able to maintain everything there as well.","start":1078.88,"end":1085.12,"sentiment":"neutral","sentiment_score":0.3003140647302974},{"text":"It reduces overall investment costs, overall administration costs with having two funds with that and managing that.","start":1085.12,"end":1092.875,"sentiment":"neutral","sentiment_score":0.1983789109131869}],"sentiment":"neutral","sentiment_score":0.20377727919215455,"num_words":109,"start":1059.95,"end":1092.875},{"sentences":[{"text":"And then with that, you have access to, you know, the investments on the hub twenty four, the advanced reporting.","start":1093.255,"end":1098.235,"sentiment":"neutral","sentiment_score":0.1510194256901741},{"text":"You have grouped aggregate trading with hub twenty four as well, and then you also receive a few financials and ongoing service as well, if that all makes sense.","start":1098.2949,"end":1106.99,"sentiment":"neutral","sentiment_score":0.13018503797979192},{"text":"So so with that, if you were to accept everything and be happy with everything, Harsh, and sign the document, then we can all deal with that in the back end and request that from Hub 24 platform itself.","start":1117.29,"end":1127.525,"sentiment":"neutral","sentiment_score":0.24523910383383432},{"text":"As far as the implementation side of things, the team can can manage that for you.","start":1127.985,"end":1131.745,"sentiment":"neutral","sentiment_score":0.2516183601692319},{"text":"If you're happy with everything, all you'd have to do is sign the document.","start":1131.745,"end":1134.485,"sentiment":"neutral","sentiment_score":0.2902143586959158}],"sentiment":"neutral","sentiment_score":0.2071946987219281,"num_words":118,"start":1093.255,"end":1134.485},{"sentences":[{"text":"But as you said, feel free to have a read through, make sure you're across all the advantages, disadvantages, the risks, things like that.","start":1134.78,"end":1140.0,"sentiment":"neutral","sentiment_score":0.0796846308124562},{"text":"Now, obviously, when moving to a replay of platform, obviously, you're you're aware, like, versus unitized versus having capital gains on funds and things like that.","start":1140.62,"end":1148.7001,"sentiment":"neutral","sentiment_score":-0.004622042483578508},{"text":"So there will be a slight CGT liability with the switching of your investments, but it's sort of negligible over the long term.","start":1148.7001,"end":1155.8949,"sentiment":"neutral","sentiment_score":-0.09075578472212605},{"text":"Yes.","start":1168.45,"end":1168.95,"sentiment":"neutral","sentiment_score":0.04523887485265732},{"text":"Yep.","start":1173.345,"end":1173.745,"sentiment":"neutral","sentiment_score":0.2873854637145996}],"sentiment":"neutral","sentiment_score":0.0004999909984568755,"num_words":75,"start":1134.78,"end":1173.745},{"sentences":[{"text":"So if you're happy with everything, then they'll implement that all for you.","start":1173.745,"end":1176.5449,"sentiment":"positive","sentiment_score":0.49547377687234145},{"text":"Won't even have to do anything by signing it to say you're happy with it.","start":1176.5449,"end":1179.265,"sentiment":"neutral","sentiment_score":0.2367022901773453},{"text":"Obviously, one thing to be quite aware of, we given how volatile the markets are currently, when sort of selling down from your current, like, industry fund to moving it to hub 24, There's probably a couple weeks there where you're sitting in cash or the funds are being transferred, the rollovers before being vested, those sort of things.","start":1179.265,"end":1194.3,"sentiment":"neutral","sentiment_score":-0.12449117140623472},{"text":"Now with that, the volatility of the market with those ups and downs now when sitting in cash, if the market drops and you buy in at the dip, that's fantastic.","start":1194.84,"end":1201.98,"sentiment":"neutral","sentiment_score":0.1362662805664924},{"text":"You've made, you know, a little bit because you're buying at a bit of a lower cost.","start":1202.12,"end":1205.045,"sentiment":"neutral","sentiment_score":0.27466799669405995}],"sentiment":"neutral","sentiment_score":0.08548388874365223,"num_words":135,"start":1173.745,"end":1205.045},{"sentences":[{"text":"If the market returns somewhat, you know, by a percent or two during the time that you're sitting in cash, you are selling a bit lower and buying a tiny bit higher.","start":1205.045,"end":1212.405,"sentiment":"neutral","sentiment_score":0.019270762335509062},{"text":"As I said, the the actual gross percentage, it's, like, a little bit negligible over, you know, the longer term period and sort of moving, having the funds consolidated in the overall benefits.","start":1212.405,"end":1220.96,"sentiment":"neutral","sentiment_score":-0.15187823004794843},{"text":"It's just something to be aware of given how volatile the markets are currently that there will probably be some movement.","start":1221.1,"end":1225.9199,"sentiment":"neutral","sentiment_score":-0.12861473574524834},{"text":"Obviously, with the war not ending, you know, the likelihood is it could just sort of stay a bit stagnant.","start":1226.3799,"end":1231.695,"sentiment":"neutral","sentiment_score":-0.30499082803726196},{"text":"If there were sort of certain announcements, so there may be a dip, there may be a rise, but I can't tell you what Trump's gonna tweak tomorrow.","start":1231.835,"end":1238.1749,"sentiment":"neutral","sentiment_score":-0.15301714198929922}],"sentiment":"neutral","sentiment_score":-0.1304516655518048,"num_words":134,"start":1205.045,"end":1238.1749},{"sentences":[{"text":"It's just something to be aware of in terms of, like, the risk when switching from cash to reinvesting.","start":1238.235,"end":1243.47,"sentiment":"neutral","sentiment_score":-0.18684773225533335},{"text":"Okay.","start":1250.09,"end":1250.59,"sentiment":"neutral","sentiment_score":0.13401786983013153},{"text":"Yeah.","start":1255.625,"end":1256.125,"sentiment":"neutral","sentiment_score":0.11853404343128204},{"text":"Not a problem.","start":1259.465,"end":1260.345,"sentiment":"neutral","sentiment_score":0.20825648307800293},{"text":"And then if you do sort of come across anything you do have any concerns with, we can sort of, you know, try and stop any trades.","start":1260.345,"end":1266.505,"sentiment":"neutral","sentiment_score":0.026136154446888854}],"sentiment":"neutral","sentiment_score":-0.0385707721625473,"num_words":51,"start":1238.235,"end":1266.505},{"sentences":[{"text":"Obviously, if they do put the rollover through and it goes through and everything like that, going back is a lot harder.","start":1266.505,"end":1270.9401,"sentiment":"neutral","sentiment_score":-0.07983540252528408},{"text":"But in the meantime, it shouldn't sort of be implemented at least for a few days if you have some chance to run through it.","start":1271.24,"end":1276.3,"sentiment":"neutral","sentiment_score":-0.16085763186216354},{"text":"As I said, we yeah.","start":1276.4401,"end":1287.435,"sentiment":"neutral","sentiment_score":-0.05353822708129883},{"text":"Yep.","start":1302.3099,"end":1302.71,"sentiment":"neutral","sentiment_score":0.015903491526842117},{"text":"Yeah.","start":1302.71,"end":1303.21,"sentiment":"neutral","sentiment_score":-0.007706241682171822}],"sentiment":"neutral","sentiment_score":-0.11180210254948449,"num_words":54,"start":1266.505,"end":1303.21},{"sentences":[{"text":"Obviously, in regards to that, it's not in this advice piece, but generally speaking, know, you have the mortgage broker you're working with.","start":1303.4299,"end":1310.045,"sentiment":"neutral","sentiment_score":-0.07932644126855809},{"text":"Obviously, if you're not happy with them, we can recommend sort of another partner.","start":1310.045,"end":1313.505,"sentiment":"neutral","sentiment_score":-0.2777369139449937},{"text":"Yeah.","start":1314.2051,"end":1314.525,"sentiment":"neutral","sentiment_score":-0.03580892086029053},{"text":"The main thing there would be to to, you know, finalize your renovations, make sure you're paying down that debt to get your equity back in your home, and even have your home potentially assessed with a a mortgage broker or real estate agent to see that and to see what equity you can access with your your home loan to potentially reenter any investment market there as well.","start":1314.525,"end":1332.2899,"sentiment":"neutral","sentiment_score":0.1542965052244456},{"text":"Obviously, over the next sort of that six to twelve months, you're probably looking at finalizing those renovations and then seeing what the home value is and then obviously going from there.","start":1332.59,"end":1341.7051,"sentiment":"neutral","sentiment_score":0.05573164933593944}],"sentiment":"neutral","sentiment_score":0.04806645880553791,"num_words":139,"start":1303.4299,"end":1341.7051},{"sentences":[{"text":"And then the main thing from there is obviously just focusing on, you know, making your payments, making any additional payments you do wanna do, sticking to your budget.","start":1342.0851,"end":1348.9651,"sentiment":"neutral","sentiment_score":0.12022764813797228},{"text":"Obviously, with the cost of living at the moment, it's very easy to to move away from your budgets.","start":1348.9651,"end":1353.34,"sentiment":"neutral","sentiment_score":-0.315784951573924},{"text":"I know you're quite good generally with your your money from what you've told me.","start":1353.34,"end":1356.88,"sentiment":"neutral","sentiment_score":0.11021646857261658},{"text":"It's just important given with the, you know, the cost of living increasing and things like that.","start":1357.1799,"end":1360.54,"sentiment":"neutral","sentiment_score":-0.04103146055165459},{"text":"You might need to, you know, either forego a few things or just rejig your budget slightly that you're not sort of, you know, spending more than what you were previously to meet your goals over that longer term period.","start":1360.54,"end":1370.555,"sentiment":"neutral","sentiment_score":-0.1672614850103855}],"sentiment":"neutral","sentiment_score":-0.06873382904256384,"num_words":120,"start":1342.0851,"end":1370.555},{"sentences":[{"text":"So in terms of, like, changing your underlying investments per, like, you just calling up and wanting to have something in it?","start":1394.3251,"end":1400.025,"sentiment":"neutral","sentiment_score":0.027650473978031765},{"text":"Yep.","start":1404.1001,"end":1404.6001,"sentiment":"neutral","sentiment_score":0.05538181960582733},{"text":"Yep.","start":1413.635,"end":1414.135,"sentiment":"neutral","sentiment_score":0.05874378979206085},{"text":"So in terms of, like, coming onboard as a client, they have a coupling fee at the moment.","start":1424.8351,"end":1432.0499,"sentiment":"neutral","sentiment_score":0.040852633201413684},{"text":"So that can drop your ongoing fees down to 1.1% as opposed to the 1.65.","start":1432.0499,"end":1437.6699,"sentiment":"neutral","sentiment_score":0.08796490530172983}],"sentiment":"neutral","sentiment_score":0.04872380726431545,"num_words":57,"start":1394.3251,"end":1437.6699},{"sentences":[{"text":"Now another benefit with they went with Hub twenty four, you wouldn't be able to merge the accounts and have the same, like, fund in a sense, but you can link the account through, like, family linking if they were recommended the hub 24 platform or if that's something that your partner wanted in terms of, like, simplicity and then also cost savings.","start":1438.845,"end":1458.22,"sentiment":"neutral","sentiment_score":0.3056222460572682},{"text":"And then what that does is it treats the money as the same in terms of, like, you know, if she had a 100 and you had your 100, it would be considered 200,000 of funds under management, and they would charge the administration fees accordingly to as 200 instead of, like, two separate accounts at a 100 each, which can save you on administration costs, but you'd still have your own separate account.","start":1458.22,"end":1478.775,"sentiment":"neutral","sentiment_score":0.07095243975620817},{"text":"You could have the same investment, so, technically, you'd be invested in the same things and things like that as well.","start":1478.88,"end":1483.78,"sentiment":"neutral","sentiment_score":0.1870413472255071},{"text":"The the difference is is they're still separate, that you just get a bit of fee savings, and then the reporting, you know, you can report individually on your individual accounts.","start":1485.2,"end":1493.9401,"sentiment":"neutral","sentiment_score":0.06683888767034776},{"text":"And then yeah.","start":1494.5751,"end":1499.455,"sentiment":"neutral","sentiment_score":0.039925611267487206}],"sentiment":"neutral","sentiment_score":0.1595017327441989,"num_words":192,"start":1438.845,"end":1499.455},{"sentences":[{"text":"If you want obviously, the consultation part is is all free.","start":1499.455,"end":1503.0751,"sentiment":"neutral","sentiment_score":0.19563064114613968},{"text":"So you can you know, if you want to refer your partner on, I believe the referral partner program is still going.","start":1503.215,"end":1508.35,"sentiment":"neutral","sentiment_score":0.23042881082404743},{"text":"So even if you referred your partner and she came on board, you can get, like, a $100 gift card if that's still running, which is a bit of a bonus, bit of free money.","start":1508.35,"end":1516.11,"sentiment":"positive","sentiment_score":0.357810668860163},{"text":"And then if they were to come on board as a client of Oakview as well, as I said, the ongoing fee would not only drop for your partner, but it'd drop for for you, which would save you on administration costs for the service here as well, if that makes sense.","start":1516.11,"end":1528.4451,"sentiment":"positive","sentiment_score":0.36911659544477093},{"text":"Yeah.","start":1529.225,"end":1529.725,"sentiment":"neutral","sentiment_score":0.07849354296922684}],"sentiment":"neutral","sentiment_score":0.32245703146231075,"num_words":121,"start":1499.455,"end":1529.725},{"sentences":[{"text":"Yeah.","start":1540.68,"end":1541.18,"sentiment":"neutral","sentiment_score":0.11296801269054411},{"text":"Obviously, you've got the the financial services guide and Oakview services guide.","start":1541.56,"end":1545.56,"sentiment":"neutral","sentiment_score":0.12404982869823773},{"text":"So feel free to have a look through that, see the services on offer that you do get a part of that.","start":1545.56,"end":1550.085,"sentiment":"neutral","sentiment_score":0.2828808941624381},{"text":"Obviously, the biggest expenses, like, the upfront cost that you probably remember there.","start":1550.1649,"end":1554.745,"sentiment":"neutral","sentiment_score":-0.08561195275531365},{"text":"But ongoing from that, it is just a percentage based fee for the services you do get here at Oakview.","start":1554.885,"end":1559.625,"sentiment":"neutral","sentiment_score":0.251734746992588}],"sentiment":"neutral","sentiment_score":0.17274537033346646,"num_words":68,"start":1540.68,"end":1559.625},{"sentences":[{"text":"And then sometimes it's nice just having it all in the one spot.","start":1559.765,"end":1562.37,"sentiment":"positive","sentiment_score":0.615924223111226},{"text":"You can look to, you know, you know, depending on what you wanna do a bit later in life as well, getting joint advice pieces, you know, getting your interviews closer together so it's all done in one big hit, and then sort of you don't have to think about it for the next twelve months as well.","start":1562.61,"end":1574.985,"sentiment":"positive","sentiment_score":0.5324725657701492},{"text":"And then, also, yeah, if there was sort of any other people that you did sort of refer us onto or tell them to to come to us, it might be worth just saying that that you sent them and saying that you were the person that referred them on.","start":1576.505,"end":1588.905,"sentiment":"neutral","sentiment_score":0.2162339621782303},{"text":"If that referral program is still running, you might just get a free $100 gift card out of it if you are speaking to your workmates or any further friends or family as well.","start":1588.905,"end":1596.95,"sentiment":"positive","sentiment_score":0.37517889632898216},{"text":"No problem, Hush.","start":1598.85,"end":1599.91,"sentiment":"neutral","sentiment_score":0.2443803052107493}],"sentiment":"positive","sentiment_score":0.3999452228787579,"num_words":158,"start":1559.765,"end":1599.91},{"sentences":[{"text":"As I was saying, though, there in regards to what we did consider, we did consider even just moving you back to ANZ due to, like, the past performance and then the cost with that one and the risk profile and the investment range you had.","start":1600.37,"end":1612.075,"sentiment":"neutral","sentiment_score":0.06566130653347658},{"text":"We just recommend you stick with the hub 24 and then stick with a more sort of tailored service for that longer term sort of mindset.","start":1612.075,"end":1618.62,"sentiment":"neutral","sentiment_score":0.2550576632985702},{"text":"And we also did look at another few retail form platforms, but the capital gains that you currently hold on your account and the benefits you'd get by moving elsewhere in terms of, like, any cost savings, it didn't really work out to be in your best interest, so we're just referring that you stay with hub twenty four.","start":1619.16,"end":1634.025,"sentiment":"neutral","sentiment_score":0.029325150458489435},{"text":"As I said on page 17 there, you will have the buyers and the sales of what you'd be selling and what you'd be buying.","start":1634.0851,"end":1639.225,"sentiment":"neutral","sentiment_score":0.08739502936601638},{"text":"Now in the appendix, you do have links to that one as well to see what the recommended investments are if you would do wanna have a look at those.","start":1639.4451,"end":1645.93,"sentiment":"neutral","sentiment_score":0.07098305846254031}],"sentiment":"neutral","sentiment_score":0.08438962748053894,"num_words":186,"start":1600.37,"end":1645.93},{"sentences":[{"text":"Obviously, you wouldn't have that active management moving forward, which is a key component of that.","start":1645.93,"end":1650.73,"sentiment":"neutral","sentiment_score":-0.0706721895840019},{"text":"But if you take into account your actively managed fund Benelon that didn't perform well and the actively cleavage fund that did perform well, you're still at a tiny bit of a loss in terms of, like, active management.","start":1650.73,"end":1660.1051,"sentiment":"negative","sentiment_score":-0.3737359543641408},{"text":"Whereas if you just had a cheaper investment, the index investment moving forward, you would have saved on those investment costs, and you would have sort of had a little bit better performance.","start":1660.1051,"end":1669.245,"sentiment":"neutral","sentiment_score":-0.09057138115167618},{"text":"So with that moving forward, you obviously won't have the ability to potentially outperform the market, but you'll be following what the indexes are doing.","start":1669.88,"end":1675.7999,"sentiment":"neutral","sentiment_score":0.18239497512578964},{"text":"And if the markets are performing well, then your portfolio will perform well as well as a cheaper alternative, and you'll have a little less volatility and a little less risk in terms of, like, manager risk and managers making the wrong decisions as opposed to, like, obviously, the war just affecting your portfolio's performance, if that makes sense.","start":1675.7999,"end":1691.715,"sentiment":"neutral","sentiment_score":0.08999259908825664}],"sentiment":"neutral","sentiment_score":-0.05131322736743578,"num_words":172,"start":1645.93,"end":1691.715},{"sentences":[{"text":"Perfect.","start":1693.695,"end":1694.195,"sentiment":"positive","sentiment_score":0.4133734703063965},{"text":"In terms of the asset allocation, obviously, you're in a growth portfolio.","start":1694.655,"end":1697.795,"sentiment":"neutral","sentiment_score":0.1675321844716867},{"text":"So the recommended investment, it will still be in line with the growth portfolio around that 8020 split.","start":1697.855,"end":1702.8601,"sentiment":"neutral","sentiment_score":0.2352057687110371},{"text":"You'll have around 83% in growth and around sort of 16.75 in defensive assets there.","start":1702.8601,"end":1710.0801,"sentiment":"neutral","sentiment_score":0.13398173873623212},{"text":"Moving forward, you'll be able to see the split between the Australian international equities, a little bit of property, and alternative growth assets, which is your gold majority.","start":1710.2201,"end":1717.965,"sentiment":"neutral","sentiment_score":0.1158026603183576}],"sentiment":"neutral","sentiment_score":0.16094140663138917,"num_words":74,"start":1693.695,"end":1717.965},{"sentences":[{"text":"It can be considered a bit defensive gold in terms of how it can act, but at the moment, it's just getting a lot of that capital growth.","start":1718.425,"end":1723.945,"sentiment":"neutral","sentiment_score":0.10036661848425865},{"text":"So that's how they define it at the moment.","start":1723.945,"end":1725.725,"sentiment":"neutral","sentiment_score":0.08624263687266244},{"text":"In relation to that one, it will be slightly less exposed to growth assets than your current portfolio, but it has historically performed better as well.","start":1727.2101,"end":1733.87,"sentiment":"neutral","sentiment_score":0.12209709074634773},{"text":"On page 20 there, you'll be able to see how those cost differences look in terms of, like, the the fees you're paying, how it's split up, the investment, other fees, and things like that as well.","start":1734.25,"end":1745.165,"sentiment":"neutral","sentiment_score":0.08852558618260396},{"text":"And then you'll be able to see a projection from that one.","start":1745.4651,"end":1747.625,"sentiment":"neutral","sentiment_score":0.11130591047306855}],"sentiment":"neutral","sentiment_score":0.1015365269933162,"num_words":112,"start":1718.425,"end":1747.625},{"sentences":[{"text":"Now projection is always to be taken with a grain of salt because, obviously, you know, no one knows what the market's gonna do tomorrow, let alone today.","start":1747.625,"end":1754.045,"sentiment":"neutral","sentiment_score":-0.09647767272378717},{"text":"But it just gives you a bit of an illustration based on, like, cost, the regular performance, and how it was performed for the last five years and how that might look moving forward.","start":1754.23,"end":1762.6499,"sentiment":"neutral","sentiment_score":0.19450465940377293},{"text":"So, obviously, the goal here is to try and put you in a better position.","start":1763.19,"end":1765.85,"sentiment":"positive","sentiment_score":0.43590145111083983},{"text":"The the main thing there is you'll be saving on investment costs moving forward with the updated investment change.","start":1765.9099,"end":1771.035,"sentiment":"positive","sentiment_score":0.49673885499176224},{"text":"Your money will be together having a bit more of a compounding effect.","start":1771.035,"end":1773.915,"sentiment":"positive","sentiment_score":0.5820375772622916}],"sentiment":"neutral","sentiment_score":0.2518791935722762,"num_words":109,"start":1747.625,"end":1773.915},{"sentences":[{"text":"So when you do have those good years, obviously, that gets reinvested into the same investment, and you do have that high potential for that compounding effect to really get your your super growing versus having your funds split across different investment platforms.","start":1773.915,"end":1786.62,"sentiment":"positive","sentiment_score":0.4983256693149722},{"text":"Perfect.","start":1789.64,"end":1790.14,"sentiment":"positive","sentiment_score":0.6324528455734253},{"text":"In terms of the insurance side of things, you do already have that tailored insurance policy with TAL.","start":1790.36,"end":1795.1,"sentiment":"neutral","sentiment_score":0.2433220280541314},{"text":"As I said, you don't have those exclusions or loadings with the going through and underwriting to relook at changing those.","start":1795.555,"end":1801.875,"sentiment":"neutral","sentiment_score":0.04857889749109745},{"text":"We're just looking at keeping everything the same.","start":1801.875,"end":1803.8151,"sentiment":"neutral","sentiment_score":0.20893800631165504}],"sentiment":"neutral","sentiment_score":0.32013092339448224,"num_words":91,"start":1773.915,"end":1803.8151},{"sentences":[{"text":"In future, you know, if your health's still well and nothing has changed and anything does pop up, we can look at rewriting the policy for, like, the exact same amount of cover a little bit less depending on what your needs currently are just to sort of review for market cost.","start":1803.875,"end":1816.98,"sentiment":"neutral","sentiment_score":0.0657187664272407},{"text":"But currently, it's still comparative in the market, still quite competitive for the amount of cover that you do hold there already.","start":1816.98,"end":1822.84,"sentiment":"neutral","sentiment_score":0.25818453627553856},{"text":"And then we're recommending getting rid of that live PVD and IP with the ANZ account.","start":1823.525,"end":1830.005,"sentiment":"neutral","sentiment_score":-0.09602109948173165},{"text":"As I said, it is group cover.","start":1830.005,"end":1831.445,"sentiment":"neutral","sentiment_score":-0.005557445543152946},{"text":"If it predated any conditions, we might potentially look at keeping it and retaining it.","start":1831.445,"end":1835.64,"sentiment":"neutral","sentiment_score":-0.03392941877245903}],"sentiment":"neutral","sentiment_score":0.06261834518019375,"num_words":112,"start":1803.875,"end":1835.64},{"sentences":[{"text":"But given, you know, you don't have any health conditions currently, then there's no reason that we should sort of retain that just for the insurance purposes when you do have adequate cover with pal, if that makes sense.","start":1836.12,"end":1846.06,"sentiment":"neutral","sentiment_score":-0.03846060814192662},{"text":"Perfect.","start":1848.2151,"end":1848.7151,"sentiment":"positive","sentiment_score":0.774229884147644},{"text":"So with that, it'll save you over a thousand dollars per annum just on insurance costs, which is fantastic.","start":1848.855,"end":1853.8351,"sentiment":"positive","sentiment_score":0.7701893542942247},{"text":"That can go back into being invested and growing towards your retirement goals there as well.","start":1853.895,"end":1858.795,"sentiment":"positive","sentiment_score":0.7949706837534904},{"text":"You will see what that impact will clock in terms of, like, if you had your current versus having a rec the recommended in regards to the five and ten year impact and then no insurances at all.","start":1858.935,"end":1870.35,"sentiment":"neutral","sentiment_score":0.1573871846653913}],"sentiment":"neutral","sentiment_score":0.28856732615525216,"num_words":113,"start":1836.12,"end":1870.35},{"sentences":[{"text":"Obviously, it does affect your superannual balance and the growth over the long term.","start":1870.89,"end":1874.99,"sentiment":"neutral","sentiment_score":-0.0674440051828112},{"text":"But in saying that, we do review it regularly to make sure it's not eating away too much at your retirement goals.","start":1875.05,"end":1879.985,"sentiment":"neutral","sentiment_score":-0.10608888891610233},{"text":"And then, obviously, having that cover if they that anything did happen given, you know, the the family, you two two kids, and then the your partner with the level of debt you have, you'd wanna sort of make sure that they were well taken care of.","start":1880.0449,"end":1892.13,"sentiment":"neutral","sentiment_score":0.003773929273828547},{"text":"Perfect.","start":1894.61,"end":1895.11,"sentiment":"neutral","sentiment_score":0.2921943962574005},{"text":"Obviously, the risk in regards to that if you didn't sort of disclose anything regarding that retail policy or any exclusions that may apply, you still don't have to meet the strict PPD definitions of the retail policy, same as if you were to sort of try and claim on your group cover.","start":1895.17,"end":1909.0349,"sentiment":"neutral","sentiment_score":-0.10235299134872994}],"sentiment":"neutral","sentiment_score":-0.060097161299773376,"num_words":137,"start":1870.89,"end":1909.0349},{"sentences":[{"text":"The benefit is is it's obviously already underwritten.","start":1909.0349,"end":1911.0549,"sentiment":"neutral","sentiment_score":0.01273141847923398},{"text":"We did look at potentially retaining both policies, but it comes at quite a cost both in having two two funds and then two insurances.","start":1911.835,"end":1919.215,"sentiment":"neutral","sentiment_score":-0.13549994617700578},{"text":"And then also the administration with that and the premiums that you're paying, that would just eat away at your retirement savings.","start":1919.275,"end":1924.56,"sentiment":"neutral","sentiment_score":-0.30791073631156574},{"text":"And then we looked at obviously not having insurances there, but obviously that would leave you significantly at risk and under protected given your current lifestyle and family arrangements.","start":1925.26,"end":1934.0801,"sentiment":"neutral","sentiment_score":-0.2663731076594057},{"text":"As far as the ongoing fees, we do get obviously the 1.65% of the the balance.","start":1936.8049,"end":1942.1649,"sentiment":"neutral","sentiment_score":-0.011164829251356423}],"sentiment":"neutral","sentiment_score":-0.17963140895590185,"num_words":100,"start":1909.0349,"end":1942.1649},{"sentences":[{"text":"Now within regards to that one, it is around 2,123.","start":1942.1649,"end":1946.1649,"sentiment":"neutral","sentiment_score":0.005875561852008104},{"text":"Now with the ongoing service agreement, that's sort of what it'll roughly be as well because it's based on your current balance and growth.","start":1946.1649,"end":1951.4801,"sentiment":"neutral","sentiment_score":0.05228004309659203},{"text":"Out of that over a twelve month period, obviously, if the market still stay a bit stagnant with the war, that'll change slightly because it is a monthly figure that does come out.","start":1951.54,"end":1958.9,"sentiment":"neutral","sentiment_score":-0.0537932025776668},{"text":"And then we do get 22% of the ongoing premium of the insurance policy that you do pay just for maintaining that policy with the insurer.","start":1959.06,"end":1965.655,"sentiment":"neutral","sentiment_score":0.1806300517458182},{"text":"It's not like an additional out of pocket cost or anything for you.","start":1965.655,"end":1968.395,"sentiment":"neutral","sentiment_score":0.003359042681180514}],"sentiment":"neutral","sentiment_score":0.04036179120775382,"num_words":106,"start":1942.1649,"end":1968.395},{"sentences":[{"text":"That's just what we get for maintaining that policy with the insurer through the payment that you do pay.","start":1968.8551,"end":1974.295,"sentiment":"neutral","sentiment_score":0.19843396936592303},{"text":"We just have to disclose it because it is something we do get as a form from munition, if that makes sense.","start":1974.295,"end":1978.69,"sentiment":"neutral","sentiment_score":0.09874763746153224},{"text":"Perfect.","start":1980.75,"end":1981.25,"sentiment":"positive","sentiment_score":0.5618091821670532},{"text":"As far as the the implementation side of things go, once you were to sign up which you have there, they'll complete that full rollout from the ANZ, which will cancel that group cover, and then it'll get the money consolidating to your hub 24.","start":1981.71,"end":1993.775,"sentiment":"neutral","sentiment_score":0.04082691189315584},{"text":"And then within regards to that, it does say that you could cancel your ANZ superannuation.","start":1993.995,"end":1998.495,"sentiment":"neutral","sentiment_score":0.00024308764841407537}],"sentiment":"neutral","sentiment_score":0.08102527244504794,"num_words":103,"start":1968.8551,"end":1998.495},{"sentences":[{"text":"They'll follow-up on that.","start":1998.635,"end":1999.275,"sentiment":"neutral","sentiment_score":0.010501452023163438},{"text":"But when you complete a full rollover, it will just cancel those assurances automatically, if that makes sense.","start":1999.275,"end":2004.24,"sentiment":"neutral","sentiment_score":-0.00610144700234135},{"text":"And then I hope you would do the investment update.","start":2004.32,"end":2007.14,"sentiment":"neutral","sentiment_score":0.287833409756422},{"text":"But do you have any questions in regards to ongoing service, the ongoing service agreement, or your past sort of twelve months or anything like that, Harsh?","start":2007.44,"end":2013.6,"sentiment":"neutral","sentiment_score":0.014537971811713997},{"text":"I know I've had a few comments.","start":2013.6,"end":2014.9,"sentiment":"neutral","sentiment_score":-0.05451009928115776}],"sentiment":"neutral","sentiment_score":0.042749521266104595,"num_words":66,"start":1998.635,"end":2014.9},{"sentences":[{"text":"In regards to what from when we've previously spoken?","start":2021.135,"end":2024.755,"sentiment":"neutral","sentiment_score":-0.021399200997418828},{"text":"No.","start":2031.0701,"end":2031.23,"sentiment":"neutral","sentiment_score":-0.0957082062959671},{"text":"It's still 1.65.","start":2031.23,"end":2032.35,"sentiment":"neutral","sentiment_score":-0.07514889910817146},{"text":"Yeah.","start":2032.35,"end":2032.59,"sentiment":"neutral","sentiment_score":0.014883311465382576},{"text":"They've always been $1.06 point 0.65.","start":2032.59,"end":2034.51,"sentiment":"neutral","sentiment_score":0.007073894634838022}],"sentiment":"neutral","sentiment_score":-0.02282105166614201,"num_words":20,"start":2021.135,"end":2034.51},{"sentences":[{"text":"Obviously, if your balance grows, it will grow.","start":2034.51,"end":2037.31,"sentiment":"neutral","sentiment_score":0.014994938159361482},{"text":"So with no more funds coming under management, the adviser fee will go up because we'll have more funds under management there.","start":2037.31,"end":2042.43,"sentiment":"neutral","sentiment_score":-0.041250712322917854},{"text":"But in terms of, like, the percentage base and how that's charged, that's all the same.","start":2042.43,"end":2048.185,"sentiment":"neutral","sentiment_score":0.04348603542894125},{"text":"Not a problem.","start":2048.485,"end":2049.125,"sentiment":"positive","sentiment_score":0.3721132278442383},{"text":"Do you have any it is quite straightforward, that advice fee there, Harish.","start":2049.125,"end":2052.245,"sentiment":"neutral","sentiment_score":0.2507600337266922}],"sentiment":"neutral","sentiment_score":0.0691038794034431,"num_words":62,"start":2034.51,"end":2052.245},{"sentences":[{"text":"Do you have any questions or any concerns in regards to that?","start":2052.245,"end":2054.565,"sentiment":"neutral","sentiment_score":0.06986714558055003},{"text":"Or Yep.","start":2054.565,"end":2065.08,"sentiment":"neutral","sentiment_score":0.1404577549546957},{"text":"Not a problem at all.","start":2068.035,"end":2068.835,"sentiment":"neutral","sentiment_score":0.29755924344062806},{"text":"Just, yeah, ring up.","start":2068.835,"end":2069.795,"sentiment":"neutral","sentiment_score":0.1748327612876892},{"text":"And, obviously, if I'm free, I'll take the call.","start":2069.795,"end":2071.395,"sentiment":"neutral","sentiment_score":0.1729244606362449}],"sentiment":"neutral","sentiment_score":0.1519615207798779,"num_words":32,"start":2052.245,"end":2071.395},{"sentences":[{"text":"If not, I'll get you booked back in or shoot shoot an email through.","start":2071.395,"end":2074.4348,"sentiment":"neutral","sentiment_score":0.11100222755755697},{"text":"But, otherwise, I'll leave it in your hands, have a review of that, and come back with any other questions you may have there, Harsh.","start":2074.4348,"end":2079.075,"sentiment":"neutral","sentiment_score":0.19313820533454418},{"text":"But I won't take up any more of your morning.","start":2079.075,"end":2080.835,"sentiment":"negative","sentiment_score":-0.3958098143339157},{"text":"I'll let you get back to it.","start":2080.835,"end":2082.18,"sentiment":"neutral","sentiment_score":0.06932947199259486},{"text":"No problem, Harsh.","start":2084.9,"end":2085.6199,"sentiment":"positive","sentiment_score":0.658318301041921}],"sentiment":"neutral","sentiment_score":0.08279066750685037,"num_words":59,"start":2071.395,"end":2085.6199},{"sentences":[{"text":"You enjoy the rest of your day.","start":2085.6199,"end":2086.42,"sentiment":"positive","sentiment_score":0.7976526958601815},{"text":"Thanks for your time this morning, and I'm sure yeah.","start":2086.42,"end":2088.76,"sentiment":"positive","sentiment_score":0.6206573069095611},{"text":"Perfect.","start":2088.8198,"end":2089.3,"sentiment":"positive","sentiment_score":0.6894209384918213},{"text":"Alright.","start":2089.3,"end":2089.46,"sentiment":"positive","sentiment_score":0.6512115001678467},{"text":"Have a good one.","start":2089.46,"end":2090.02,"sentiment":"positive","sentiment_score":0.6623101234436035}],"sentiment":"positive","sentiment_score":0.6860876031543898,"num_words":23,"start":2085.6199,"end":2090.02},{"sentences":[{"text":"Thanks, Harsh.","start":2090.02,"end":2090.5,"sentiment":"positive","sentiment_score":0.6827118396759033},{"text":"Bye.","start":2090.5,"end":2091.0,"sentiment":"neutral","sentiment_score":-0.06943207234144211}],"sentiment":"positive","sentiment_score":0.4319972023367882,"num_words":3,"start":2090.02,"end":2091.0}]}}]},{"alternatives":[{"transcript":"Hello? Good, Carl. How are you? Yes. Yeah. All good. Start with the name. No. That's okay. So my name is Harsh Matu. Date of birth is 06/05/1981. And the address is 36 Tenzanite Street, Pallara, Queensland, Brisbane. Yes. Yeah. Correct. No. No. Yeah. Yeah. Correct. The work is still in progress. Once that's done, then then we can go for a a reevaluation. Yeah. Sure. No. I just did the refinancing now. So I'll just wait for the interest rate to go down first, and then we'll think about it. Yeah. Yeah. Yeah. No. Nothing else has changed yet. So, yeah, the only thing is sorry, Carl. So the only thing is that when I did the refinancing, I also cleared off my debt. So that included the the car running car loan. So I also cleared that off as a part of that whole refinancing thing. Yes. That that includes everything. Yeah. And the credit credit cards. Yeah. That's that's continuing with the company. Mhmm. Mhmm. Okay. Yep. Okay. No. No. I'll go ahead. Okay. Yeah. Yeah. Yeah. I'm I'm yeah. Going through it. Yeah. Yeah. Yep. Mhmm. No. I'll I'll just go through it. I haven't I haven't gone through completely, so I'm just trying to go through it and Yeah. Sure. Yep. No. No. Nothing specific. Okay. Yeah. Okay. No. No. No. I haven't yet. So looking at the current looking at the current market, I I just see the the portfolio that you shared, and it's like most of the major portion of that investment goes in the international international shares or something, 30 7%. No. So I was just talking looking at the portfolio on page 37 not 37, sorry. On page 13. So there is profile that that has been shared, I think. So yeah. Yeah. So it's international equity. So looking at the current situation, is this well, is it something that we should review or is it that that's the strategy of going forward? Yeah. Yeah. Okay. Yeah. Yeah. Yeah. Yeah. Yeah. No. That that makes sense. I think there are a few things like the physical gold that has also gone down and the the shares better shares, it's not that significant drop anyway. So is it something that we will review this and look at the investments, or this is the same investments that we will carry on continue? Yeah. Yeah. Okay. Yep. Yep. Yep. Correct. Yeah. Yep. Yeah. Understood. Yep. Yeah. Yeah. So so what what about this the Patel, which which I have the insurance with included in this? But in the and there is a on page 24, it says insurance to be replaced and canceled. Oh, you it oh, that's the ANZ one. Okay. Okay. Yeah. Yeah. Yep. Mhmm. Yep. Yep. Yep. Yeah. Water. Yeah. You know, that's that's that's okay. Yeah. Yeah. Yeah. Yeah. No. That that all makes sense. Yeah. I will I will review that and and see if what's the process of getting that rolled over to Hub twenty four. Yep. Yep. Yep. Yeah. Yeah. No. That's fine. I think it it was in my mind to do it. It was just that I I was not getting time, and I was not very clear how to initiate that that transfer and other things. So but, yeah, this probably this time around, I'll I'll go through it as per your advice. Yep. Yeah. Yeah. Yeah. Yeah. Yeah. No. No. All good. All good. Nothing. I just find it and send it across to you. So I'm I'm fine with that. I'll in in in my free time, I'll definitely go through more details about the investments and the associated things, so that that should be fine. Yep. Yeah. No. So so from the goal financial goal perspective, that still remains the same. So I just want to reduce the mortgage as much as possible and also look at some investment properties in next twelve months or so. So that the two main objectives, so that we'll need to look, understand what are the ways which which I can achieve that. Yeah. Yeah. K. Yeah. Yeah. No. That's fine. And also, like, is it always a person dependent thing, or is it do you also have an option to merge the the Hub twenty four with the partner as well? Like like, if they are they are earning and and and I want to also get that investments together? Like, is that is that an option? No. So I mean to say that let's say that I am I am with Hub twenty four, and my my wife, if if she she's also has a salary, and she also has her own the super account. And and if if we want to take that and merge with the hub twenty four as a common account, is that something that we can is that is that an option so that she also gets the benefit? Yes. Yeah. Correct. Yeah. Yep. Yeah. Yeah. No. That's something I I'll I'll I'll think about it and let you know. Okay. Yeah. Yeah. Yeah. Definitely. Yeah. Yeah. Yeah. Definitely. So I'll I'll I'll discuss with with my wife and and see what what she's getting currently, the benefits from her current super, and then we can take a call. Yeah. Yep. Yep. Yep. Sure. Yeah. Yes. Yeah. Yep. Yep. Okay. Mhmm. Yeah. Yep. Yep. Okay. Okay. Yep. All good. Yep. Yep. Yep. Yep. All good. Okay. Yep. Yeah. All good. No. No. No. That's all good. I think that's that's that's what is it's been there. Right? There's no changes in the yeah. I mean, the the the recurring the fees. Yeah. Yeah. Okay. All good. No. I I don't have it at this stage, but let me go through that that document again. I do have already signed because I know the on the from the top, it's it it it looks all good. And if there is anything any particular question, I'll I'll come back. Yep. Yep. All good. Thanks. Thanks, Kyle. You too, mate. Thanks. Yep. 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Good, Carl. How are you? Yes. Yeah.\n\nAll good. Start with the name. No. That's okay. So my name is Harsh Matu.\n\nDate of birth is 06/05/1981. And the address is 36 Tenzanite Street, Pallara, Queensland, Brisbane. Yes. Yeah. Correct.\n\nNo. No. Yeah. Yeah. Correct.\n\nThe work is still in progress. Once that's done, then then we can go for a a reevaluation. Yeah. Sure. No.\n\nI just did the refinancing now. So I'll just wait for the interest rate to go down first, and then we'll think about it. Yeah. Yeah. Yeah.\n\nNo. Nothing else has changed yet. So, yeah, the only thing is sorry, Carl. So the only thing is that when I did the refinancing, I also cleared off my debt. So that included the the car running car loan.\n\nSo I also cleared that off as a part of that whole refinancing thing. Yes. That that includes everything. Yeah. And the credit credit cards.\n\nYeah. That's that's continuing with the company. Mhmm. Mhmm. Okay.\n\nYep. Okay. No. No. I'll go ahead.\n\nOkay. Yeah. Yeah. Yeah. I'm I'm yeah.\n\nGoing through it. Yeah. Yeah. Yep. Mhmm.\n\nNo. I'll I'll just go through it. I haven't I haven't gone through completely, so I'm just trying to go through it and Yeah. Sure. Yep.\n\nNo. No. Nothing specific. Okay. Yeah.\n\nOkay. No. No. No. I haven't yet.\n\nSo looking at the current looking at the current market, I I just see the the portfolio that you shared, and it's like most of the major portion of that investment goes in the international international shares or something, 30 7%. No. So I was just talking looking at the portfolio on page 37 not 37, sorry. On page 13. So there is profile that that has been shared, I think.\n\nSo yeah. Yeah. So it's international equity. So looking at the current situation, is this well, is it something that we should review or is it that that's the strategy of going forward? Yeah.\n\nYeah. Okay. Yeah. Yeah. Yeah.\n\nYeah. Yeah. No. That that makes sense. I think there are a few things like the physical gold that has also gone down and the the shares better shares, it's not that significant drop anyway.\n\nSo is it something that we will review this and look at the investments, or this is the same investments that we will carry on continue? Yeah. Yeah. Okay. Yep.\n\nYep. Yep. Correct. Yeah. Yep.\n\nYeah. Understood. Yep. Yeah. Yeah.\n\nSo so what what about this the Patel, which which I have the insurance with included in this? But in the and there is a on page 24, it says insurance to be replaced and canceled. Oh, you it oh, that's the ANZ one. Okay. Okay.\n\nYeah. Yeah. Yep. Mhmm. Yep.\n\nYep. Yep. Yeah. Water. Yeah.\n\nYou know, that's that's that's okay. Yeah. Yeah. Yeah. Yeah.\n\nNo. That that all makes sense. Yeah. I will I will review that and and see if what's the process of getting that rolled over to Hub twenty four. Yep.\n\nYep. Yep. Yeah. Yeah. No.\n\nThat's fine. I think it it was in my mind to do it. It was just that I I was not getting time, and I was not very clear how to initiate that that transfer and other things. So but, yeah, this probably this time around, I'll I'll go through it as per your advice. Yep.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nNo. No. All good. All good. Nothing.\n\nI just find it and send it across to you. So I'm I'm fine with that. I'll in in in my free time, I'll definitely go through more details about the investments and the associated things, so that that should be fine. Yep. Yeah.\n\nNo. So so from the goal financial goal perspective, that still remains the same. So I just want to reduce the mortgage as much as possible and also look at some investment properties in next twelve months or so. So that the two main objectives, so that we'll need to look, understand what are the ways which which I can achieve that. Yeah.\n\nYeah. K. Yeah. Yeah. No.\n\nThat's fine. And also, like, is it always a person dependent thing, or is it do you also have an option to merge the the Hub twenty four with the partner as well? Like like, if they are they are earning and and and I want to also get that investments together? Like, is that is that an option? No.\n\nSo I mean to say that let's say that I am I am with Hub twenty four, and my my wife, if if she she's also has a salary, and she also has her own the super account. And and if if we want to take that and merge with the hub twenty four as a common account, is that something that we can is that is that an option so that she also gets the benefit? Yes. Yeah. Correct.\n\nYeah. Yep. Yeah. Yeah. No.\n\nThat's something I I'll I'll I'll think about it and let you know. Okay. Yeah. Yeah. Yeah.\n\nDefinitely. Yeah. Yeah. Yeah. Definitely.\n\nSo I'll I'll I'll discuss with with my wife and and see what what she's getting currently, the benefits from her current super, and then we can take a call. Yeah. Yep. Yep. Yep.\n\nSure. Yeah. Yes. Yeah. Yep.\n\nYep. Okay. Mhmm. Yeah. Yep.\n\nYep. Okay. Okay. Yep. All good.\n\nYep. Yep. Yep. Yep. All good.\n\nOkay. Yep. Yeah. All good. No.\n\nNo. No. That's all good. I think that's that's that's what is it's been there. Right?\n\nThere's no changes in the yeah. I mean, the the the recurring the fees. Yeah. Yeah. Okay.\n\nAll good. No. I I don't have it at this stage, but let me go through that that document again. I do have already signed because I know the on the from the top, it's it it it looks all good. And if there is anything any particular question, I'll I'll come back.\n\nYep. Yep. All good. Thanks. Thanks, Kyle.\n\nYou too, mate. Thanks. Yep. Thank you.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.96,"end":1.46,"sentiment":"neutral","sentiment_score":0.06473423540592194},{"text":"Good, Carl.","start":5.92,"end":6.48,"sentiment":"positive","sentiment_score":0.4081473797559738},{"text":"How are you?","start":6.48,"end":7.2999997,"sentiment":"neutral","sentiment_score":0.28560083111127216},{"text":"Yes.","start":11.36,"end":11.86,"sentiment":"neutral","sentiment_score":0.18640382587909696},{"text":"Yeah.","start":14.16,"end":14.4,"sentiment":"neutral","sentiment_score":0.28372231125831604}],"sentiment":"neutral","sentiment_score":0.2759947031736374,"num_words":8,"start":0.96,"end":14.4},{"sentences":[{"text":"All good.","start":14.4,"end":15.045,"sentiment":"positive","sentiment_score":0.4847043305635452},{"text":"Start with the 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fine.","start":1249.77,"end":1259.375,"sentiment":"neutral","sentiment_score":0.16198646621062204},{"text":"Yep.","start":1270.0751,"end":1270.41,"sentiment":"neutral","sentiment_score":-0.08824094384908676},{"text":"Yeah.","start":1276.41,"end":1276.73,"sentiment":"neutral","sentiment_score":-0.0318276584148407}],"sentiment":"neutral","sentiment_score":0.18167743476277048,"num_words":44,"start":1246.17,"end":1276.73},{"sentences":[{"text":"No.","start":1276.73,"end":1276.9701,"sentiment":"neutral","sentiment_score":-0.1368880569934845},{"text":"So so from the goal financial goal perspective, that still remains the same.","start":1276.9701,"end":1281.93,"sentiment":"neutral","sentiment_score":-0.12225278295003451},{"text":"So I just want to reduce the mortgage as much as possible and also look at some investment properties in next twelve months or so.","start":1281.93,"end":1293.115,"sentiment":"neutral","sentiment_score":-0.09483878403902053},{"text":"So that the two main objectives, so that we'll need to look, understand what are the ways which which I can achieve that.","start":1293.495,"end":1301.62,"sentiment":"neutral","sentiment_score":0.018405490190438602},{"text":"Yeah.","start":1323.8949,"end":1324.3949,"sentiment":"neutral","sentiment_score":0.08718416094779968}],"sentiment":"neutral","sentiment_score":-0.05693068890462792,"num_words":63,"start":1276.73,"end":1324.3949},{"sentences":[{"text":"Yeah.","start":1338.23,"end":1338.525,"sentiment":"neutral","sentiment_score":0.05917765200138092},{"text":"K.","start":1340.2051,"end":1340.7051,"sentiment":"neutral","sentiment_score":0.04677983745932579},{"text":"Yeah.","start":1350.605,"end":1351.105,"sentiment":"neutral","sentiment_score":-0.2672666311264038},{"text":"Yeah.","start":1370.9851,"end":1371.145,"sentiment":"neutral","sentiment_score":0.029021799564361572},{"text":"No.","start":1371.145,"end":1371.385,"sentiment":"neutral","sentiment_score":-0.014077037572860718}],"sentiment":"neutral","sentiment_score":-0.029272875934839248,"num_words":5,"start":1338.23,"end":1371.385},{"sentences":[{"text":"That's fine.","start":1371.385,"end":1371.9451,"sentiment":"neutral","sentiment_score":0.1001768410205841},{"text":"And also, like, is it always a person dependent thing, or is it do you also have an option to merge the the Hub twenty four with the partner as well?","start":1371.9451,"end":1385.51,"sentiment":"neutral","sentiment_score":0.052194326995841915},{"text":"Like like, if they are they are earning and and and I want to also get that investments together?","start":1385.51,"end":1391.67,"sentiment":"neutral","sentiment_score":0.05882347884931063},{"text":"Like, is that is that an option?","start":1391.67,"end":1393.29,"sentiment":"neutral","sentiment_score":0.06059574468859604},{"text":"No.","start":1400.525,"end":1400.765,"sentiment":"neutral","sentiment_score":-0.06580018997192383}],"sentiment":"neutral","sentiment_score":0.05490656566495697,"num_words":60,"start":1371.385,"end":1400.765},{"sentences":[{"text":"So I mean to say that let's say that I am I am with Hub twenty four, and my my wife, if if she she's also has a salary, and she also has her own the super account.","start":1400.765,"end":1416.3,"sentiment":"neutral","sentiment_score":0.030410421374989182},{"text":"And and if if we want to take that and merge with the hub twenty four as a common account, is that something that we can is that is that an option so that she also gets the benefit?","start":1416.4401,"end":1428.025,"sentiment":"neutral","sentiment_score":0.12401631570015198},{"text":"Yes.","start":1457.535,"end":1458.035,"sentiment":"neutral","sentiment_score":0.18081827461719513},{"text":"Yeah.","start":1466.84,"end":1467.34,"sentiment":"neutral","sentiment_score":0.03400317206978798},{"text":"Correct.","start":1474.68,"end":1475.16,"sentiment":"neutral","sentiment_score":0.14061804115772247}],"sentiment":"neutral","sentiment_score":0.07934589765500277,"num_words":80,"start":1400.765,"end":1475.16},{"sentences":[{"text":"Yeah.","start":1475.16,"end":1475.565,"sentiment":"neutral","sentiment_score":0.13814422488212583},{"text":"Yep.","start":1479.325,"end":1479.825,"sentiment":"neutral","sentiment_score":0.18706238269805908},{"text":"Yeah.","start":1494.09,"end":1494.41,"sentiment":"neutral","sentiment_score":0.05375995486974716},{"text":"Yeah.","start":1494.41,"end":1494.65,"sentiment":"neutral","sentiment_score":0.05396309867501259},{"text":"No.","start":1494.65,"end":1494.81,"sentiment":"neutral","sentiment_score":0.005856156349182129}],"sentiment":"neutral","sentiment_score":0.08775716349482536,"num_words":5,"start":1475.16,"end":1494.81},{"sentences":[{"text":"That's something I I'll I'll I'll think about it and let you know.","start":1494.81,"end":1498.59,"sentiment":"neutral","sentiment_score":0.043608446462223165},{"text":"Okay.","start":1514.0751,"end":1514.5751,"sentiment":"positive","sentiment_score":0.3630571961402893},{"text":"Yeah.","start":1526.8099,"end":1527.13,"sentiment":"neutral","sentiment_score":0.1877996325492859},{"text":"Yeah.","start":1527.13,"end":1527.37,"sentiment":"neutral","sentiment_score":0.20488280057907104},{"text":"Yeah.","start":1527.37,"end":1527.45,"sentiment":"neutral","sentiment_score":0.22197391092777252}],"sentiment":"neutral","sentiment_score":0.09086019671795999,"num_words":17,"start":1494.81,"end":1527.45},{"sentences":[{"text":"Definitely.","start":1527.45,"end":1527.95,"sentiment":"positive","sentiment_score":0.37567996978759766},{"text":"Yeah.","start":1528.1699,"end":1528.49,"sentiment":"neutral","sentiment_score":0.24137148261070251},{"text":"Yeah.","start":1528.49,"end":1528.8099,"sentiment":"neutral","sentiment_score":0.21323609352111816},{"text":"Yeah.","start":1528.8099,"end":1528.97,"sentiment":"neutral","sentiment_score":0.21207138895988464},{"text":"Definitely.","start":1528.97,"end":1529.47,"sentiment":"neutral","sentiment_score":0.26248854398727417}],"sentiment":"neutral","sentiment_score":0.2609694957733154,"num_words":5,"start":1527.45,"end":1529.47},{"sentences":[{"text":"So I'll I'll I'll discuss with with my wife and and see what what she's getting currently, the benefits from her current super, and then we can take a call.","start":1529.5299,"end":1541.495,"sentiment":"neutral","sentiment_score":0.18924982423583667},{"text":"Yeah.","start":1555.635,"end":1556.135,"sentiment":"neutral","sentiment_score":0.1280285120010376},{"text":"Yep.","start":1561.6426,"end":1562.1426,"sentiment":"positive","sentiment_score":0.6814745664596558},{"text":"Yep.","start":1575.3301,"end":1575.8301,"sentiment":"positive","sentiment_score":0.33715349435806274},{"text":"Yep.","start":1589.2151,"end":1589.7151,"sentiment":"positive","sentiment_score":0.3990487456321716}],"sentiment":"neutral","sentiment_score":0.21244706016253023,"num_words":34,"start":1529.5299,"end":1589.7151},{"sentences":[{"text":"Sure.","start":1597.28,"end":1597.78,"sentiment":"neutral","sentiment_score":0.23025912046432495},{"text":"Yeah.","start":1597.8401,"end":1598.3401,"sentiment":"neutral","sentiment_score":0.2004833221435547},{"text":"Yes.","start":1614.695,"end":1615.195,"sentiment":"neutral","sentiment_score":0.22386009991168976},{"text":"Yeah.","start":1688.255,"end":1688.755,"sentiment":"neutral","sentiment_score":-0.12807521224021912},{"text":"Yep.","start":1691.375,"end":1691.875,"sentiment":"neutral","sentiment_score":0.1002667248249054}],"sentiment":"neutral","sentiment_score":0.12535881102085114,"num_words":5,"start":1597.28,"end":1691.875},{"sentences":[{"text":"Yep.","start":1691.935,"end":1692.435,"sentiment":"neutral","sentiment_score":0.16565100848674774},{"text":"Okay.","start":1710.355,"end":1710.855,"sentiment":"neutral","sentiment_score":0.11593493819236755},{"text":"Mhmm.","start":1734.43,"end":1734.51,"sentiment":"neutral","sentiment_score":0.016853468492627144},{"text":"Yeah.","start":1734.51,"end":1735.01,"sentiment":"neutral","sentiment_score":0.008492839522659779},{"text":"Yep.","start":1754.525,"end":1754.85,"sentiment":"neutral","sentiment_score":0.1906439512968063}],"sentiment":"neutral","sentiment_score":0.0995152411982417,"num_words":5,"start":1691.935,"end":1754.85},{"sentences":[{"text":"Yep.","start":1783.5701,"end":1784.0701,"sentiment":"neutral","sentiment_score":0.22707626223564148},{"text":"Okay.","start":1787.89,"end":1788.39,"sentiment":"positive","sentiment_score":0.5441303253173828},{"text":"Okay.","start":1823.46,"end":1823.955,"sentiment":"neutral","sentiment_score":0.00977218896150589},{"text":"Yep.","start":1846.1001,"end":1846.5,"sentiment":"positive","sentiment_score":0.36104369163513184},{"text":"All good.","start":1846.5,"end":1847.24,"sentiment":"positive","sentiment_score":0.6897460222244263}],"sentiment":"positive","sentiment_score":0.4202524187664191,"num_words":6,"start":1783.5701,"end":1847.24},{"sentences":[{"text":"Yep.","start":1892.525,"end":1893.025,"sentiment":"neutral","sentiment_score":0.15368743240833282},{"text":"Yep.","start":1916.395,"end":1916.895,"sentiment":"neutral","sentiment_score":-0.1236545667052269},{"text":"Yep.","start":1934.55,"end":1934.87,"sentiment":"neutral","sentiment_score":0.01751795969903469},{"text":"Yep.","start":1934.87,"end":1935.27,"sentiment":"neutral","sentiment_score":0.04651733860373497},{"text":"All good.","start":1935.27,"end":1936.01,"sentiment":"neutral","sentiment_score":0.2549379914999008}],"sentiment":"neutral","sentiment_score":0.10065735783427954,"num_words":6,"start":1892.525,"end":1936.01},{"sentences":[{"text":"Okay.","start":1968.0851,"end":1968.5851,"sentiment":"neutral","sentiment_score":0.16013292968273163},{"text":"Yep.","start":1979.125,"end":1979.625,"sentiment":"neutral","sentiment_score":0.3066174387931824},{"text":"Yeah.","start":2003.5651,"end":2004.0651,"sentiment":"neutral","sentiment_score":0.03915080055594444},{"text":"All good.","start":2004.365,"end":2005.105,"sentiment":"positive","sentiment_score":0.33856387436389923},{"text":"No.","start":2014.14,"end":2014.38,"sentiment":"neutral","sentiment_score":-0.10882187634706496}],"sentiment":"neutral","sentiment_score":0.17903450690209866,"num_words":6,"start":1968.0851,"end":2014.38},{"sentences":[{"text":"No.","start":2014.38,"end":2014.54,"sentiment":"neutral","sentiment_score":-0.11685822904109956},{"text":"No.","start":2014.54,"end":2014.7001,"sentiment":"neutral","sentiment_score":-0.05706905946135521},{"text":"That's all good.","start":2014.7001,"end":2015.26,"sentiment":"neutral","sentiment_score":0.16353720178206763},{"text":"I think that's that's that's what is it's been there.","start":2015.26,"end":2017.74,"sentiment":"neutral","sentiment_score":0.06104105077683926},{"text":"Right?","start":2017.74,"end":2018.06,"sentiment":"neutral","sentiment_score":0.02502589486539364}],"sentiment":"neutral","sentiment_score":0.05950754496734589,"num_words":16,"start":2014.38,"end":2018.06},{"sentences":[{"text":"There's no changes in the yeah.","start":2018.06,"end":2025.775,"sentiment":"neutral","sentiment_score":-0.032860901206731796},{"text":"I mean, the the the recurring the fees.","start":2025.775,"end":2029.875,"sentiment":"neutral","sentiment_score":-0.03920330200344324},{"text":"Yeah.","start":2046.33,"end":2046.6499,"sentiment":"neutral","sentiment_score":0.10486733168363573},{"text":"Yeah.","start":2046.6499,"end":2046.97,"sentiment":"neutral","sentiment_score":0.17145974934101105},{"text":"Okay.","start":2046.97,"end":2047.2899,"sentiment":"positive","sentiment_score":0.33340394496917725}],"sentiment":"neutral","sentiment_score":0.0058199531015227825,"num_words":17,"start":2018.06,"end":2047.2899},{"sentences":[{"text":"All good.","start":2047.2899,"end":2048.0298,"sentiment":"positive","sentiment_score":0.5987527370452881},{"text":"No.","start":2055.465,"end":2055.625,"sentiment":"neutral","sentiment_score":-0.05908794328570366},{"text":"I I don't have it at this stage, but let me go through that that document again.","start":2055.625,"end":2059.485,"sentiment":"neutral","sentiment_score":-0.009931108969099382},{"text":"I do have already signed because I know the on the from the top, it's it it it looks all good.","start":2059.7852,"end":2064.24,"sentiment":"positive","sentiment_score":0.43871896465619403},{"text":"And if there is anything any particular question, I'll I'll come back.","start":2064.72,"end":2067.7,"sentiment":"neutral","sentiment_score":0.14744487466911474}],"sentiment":"neutral","sentiment_score":0.22550991381395538,"num_words":53,"start":2047.2899,"end":2067.7},{"sentences":[{"text":"Yep.","start":2081.9949,"end":2082.4949,"sentiment":"neutral","sentiment_score":0.15496546030044556},{"text":"Yep.","start":2082.635,"end":2082.875,"sentiment":"neutral","sentiment_score":0.2005247324705124},{"text":"All good.","start":2082.875,"end":2083.4348,"sentiment":"positive","sentiment_score":0.5693827569484711},{"text":"Thanks.","start":2083.4348,"end":2083.835,"sentiment":"positive","sentiment_score":0.6827918887138367},{"text":"Thanks, Kyle.","start":2083.835,"end":2084.7349,"sentiment":"positive","sentiment_score":0.7073552012443542}],"sentiment":"positive","sentiment_score":0.5131082854100636,"num_words":7,"start":2081.9949,"end":2084.7349},{"sentences":[{"text":"You too, mate.","start":2087.1948,"end":2087.755,"sentiment":"positive","sentiment_score":0.5349265734354655},{"text":"Thanks.","start":2087.755,"end":2088.255,"sentiment":"positive","sentiment_score":0.5882139205932617},{"text":"Yep.","start":2089.035,"end":2089.275,"sentiment":"positive","sentiment_score":0.3997516632080078},{"text":"Thank you.","start":2089.275,"end":2090.015,"sentiment":"positive","sentiment_score":0.6814636886119843}],"sentiment":"positive","sentiment_score":0.5650960973330906,"num_words":7,"start":2087.1948,"end":2090.015}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good morning, Harsh. It's Carl calling from HP Financial. How are you today?\n\nChannel 1: Good, Carl. How are you?\n\nChannel 0: Yeah. Not too bad at all. I've had you scheduled in for your statement of advice presentation.\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Isn't that still a good time for you?\n\nChannel 1: Yeah. All good.\n\nChannel 0: Perfect. Not a problem. Just to get started on that one, Harsh, if I could just pass through security, just that name, date of birth, and current address for me, please?\n\nChannel 1: Start with the name.\n\nChannel 0: Yeah. Just a pass through security. So just your name, date of birth, and current address. We can set up a client password afterwards if you you would like, if you don't wanna do the three points for security in future.\n\nChannel 1: No. That's okay. So my name is Harsh Matu. Date of birth is 06/05/1981. And the address is 36 Tenzanite Street, Pallara, Queensland, Brisbane.\n\nChannel 0: Perfect. Thanks for confirming today, Harsh. Now I know when you spoke to my colleague on the phone that you did update just a few details just in regards to your assets and liabilities there. Now your debt value jumped up quite significantly there. Did you redraw on your mortgage to sort of look at renovating?\n\nOr\n\nChannel 1: Yes. Yeah.\n\nChannel 0: so it's for renovations?\n\nChannel 1: Correct.\n\nChannel 0: Perfect. And then, obviously, they're not completed yet, so you haven't had, like, a reevaluation of the the home to see what\n\nChannel 1: No. No.\n\nChannel 0: that\n\nChannel 1: Yeah.\n\nChannel 0: sort\n\nChannel 1: Yeah. Correct. The work is still in progress.\n\nChannel 0: of\n\nChannel 1: Once that's done, then then we can go for\n\nChannel 0: gone\n\nChannel 1: a a reevaluation.\n\nChannel 0: yeah. Not a problem at all. You do have access to the mortgage brokers here. Well, if you do wanna, obviously, you know, get a second opinion from the one you currently have or just in anyone in general, we can pass along those details if you do wanna look at refinancing once that is done.\n\nChannel 1: Yeah. Sure. No. I just did the refinancing now. So I'll just wait for the interest rate to go down first, and then we'll think\n\nChannel 0: Yeah.\n\nChannel 1: about it.\n\nChannel 0: Obviously, yeah, after the you'd reevaluate in terms of, like, the property and everything like that. No.\n\nChannel 1: Yeah.\n\nChannel 0: If you want hopefully, the war kind of dies off soon and then the interest rates come back to a bit more of a a\n\nChannel 1: Yeah.\n\nChannel 0: normal amount if you wanna go fix for a period\n\nChannel 1: Yeah.\n\nChannel 0: or not. So that's perfectly fine. But as far as any other details there, Harsh, nothing else has changed?\n\nChannel 1: No. Nothing else has changed yet.\n\nChannel 0: Perfect. So I'll just be sending this out to your email, Harsh\n\nChannel 1: So, yeah,\n\nChannel 0: dot Marla.\n\nChannel 1: the only thing is sorry, Carl. So the only thing is that when I did the refinancing, I also cleared off my debt. So that included the the car running car loan. So I also cleared that off as a part of that whole refinancing thing.\n\nChannel 0: Okay. So you've got a debt value of around $8.50 on the home loan, and that's your entire debt. You wiped the 55 from the cars as well?\n\nChannel 1: Yes. That that includes everything. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: And\n\nChannel 0: No.\n\nChannel 1: the credit credit cards.\n\nChannel 0: The credit card's all paid off and everything as well. Okay. No problem. And as far as the novated lease, you're continuing in novated lease,\n\nChannel 1: Yeah.\n\nChannel 0: you didn't buy that out or any yeah. Okay. No. No. No problem.\n\nChannel 1: That's that's continuing with the company.\n\nChannel 0: Yeah. Not a problem. I'll just update those. So as far as that details, it will still have your your card debts on this. In addition to the we did update your home loan debt to the $8.50.\n\nIf you do want an updated piece just to change that figure, that's more than fine, but it doesn't actually affect the advice piece there today as well.\n\nChannel 1: Mhmm. Mhmm. Okay.\n\nChannel 0: So this will be going to Harsh.Martha123@Gmail.com, and you\n\nChannel 1: Yep.\n\nChannel 0: should have this shortly. Now within regards to the documents there, so it with OdooSign, you'll have the email and the attachments with that. So you'll have a copy of the statement advice, the appendix. You'll also have the PDFs for the products you hold and the recommended products, and then the services guide and financial services guide as well, just the up to date most copies, and a Vanguard index chart for you to be able to look at, just the markets over the past thirty years or so. And then within regards to signable documents, there will be your ongoing service agreement and the statement advice.\n\nWe were happy to stay on board, happy to take on the advice as well. So\n\nChannel 1: Okay.\n\nChannel 0: that will be with you there shortly, and then we can run through the document and its recommendations. But before we get started, is there any questions you do have or anything you wanted to touch on before we jump into that document there today, Hass?\n\nChannel 1: No. No. I'll go ahead.\n\nChannel 0: Not a problem. So once this comes up, you'll be able to click on the the attached statement advice for us to be able to run through there. So it was prepared for yourself. It was finalized on the March 18 there. Now you do have thirty days from that date for it to be valid and then another thirty days as long as you confirm your details.\n\nSince we confirm your details, as long as you sign that date, it's that timeline, it's sort of fine. So it's prepared by myself and the team here as an authorized representative under OQ Financial. Within regards\n\nChannel 1: Okay.\n\nChannel 0: to that, it still takes an account best interest, Judy, trying to put you in a better position for you currently at even though your original adviser obviously was with us. And then from there, we're just constantly trying to put you in a better position by updating that advice as well. Now has that email come through there, Hass? Do you\n\nChannel 1: Yeah.\n\nChannel 0: be\n\nChannel 1: Yeah.\n\nChannel 0: able\n\nChannel 1: Yeah.\n\nChannel 0: to review\n\nChannel 1: I'm I'm\n\nChannel 0: yeah.\n\nChannel 1: yeah. Going through it. Yeah.\n\nChannel 0: Yeah. Not a problem. So on the the pages over there on three and four and then also five, you'll be able to see the the scoping and what we sort of considered when we're having out of those conversations. Now within regards to that, it was mainly around the superannuation and looking at the the insurances as well. Now with your super, you obviously have that account there with those group insurances and then also looking at that versus your current account, looking at your that versus your retail cover there as well.\n\nSo main focus there is reviewing that superannuation, reviewing your insurances there, if that makes sense.\n\nChannel 1: Yeah.\n\nChannel 0: Now in regards to the estate planning, we had a discussion around that. You're quite satisfied with what you've currently got in place in regards to your estate planning and then also in regards to your cash flow and budgeting and then being able to to save effectively for the debts that you do have And then also in regards to looking at your financing, I know you were looking through the Ola Lending that we're referred to by someone prior as well and happy with them, and then also looking at investment property down the track as well. But it's so far those are all scoped out. They're just accountability partners in regards to that as far as the advised piece of data centered around that superannuation insurances, if that makes sense to us.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. So quite simply there after the review, we're recommending that you roll over your ANZ superannuation fund to your hub twenty four superannuation fund and switch\n\nChannel 1: Mhmm.\n\nChannel 0: your underlying investment there as a bit of an investment reset refresh. And then also just retaining that tower cover and canceling your ANZ group insurances there as well. Now before we jump into the document there, do you have any questions in regards to that? That's, like, the very straightforward strategy recommendation they have.\n\nChannel 1: No. I'll I'll just go through it. I haven't I haven't gone through completely, so I'm just trying to go through it and\n\nChannel 0: Yeah. I'll run through the the document there with you. Obviously, I just wanted to see if you had any questions before we jump into it. I'll run through, do a bit of a brief overview of everything, give you the key points, and then you can have some time to go away, take it away, and have a read through everything and see if you were happy with it or not.\n\nChannel 1: Yeah. Sure.\n\nChannel 0: No problem. So on page seven there, you'll have just your general information. So feel free to look over that and make sure it is all correct. On the page after that, you will have those assets and liabilities. As I said, it will be slightly different just because you said you have consolidated that motor vehicle debt and put that on the home loan.\n\nChannel 1: Yep.\n\nChannel 0: Now in regards to the page nine there, you will see current position. So your ANZ account and then also your hub 24 account. And then you'll also see your insurance position, what you hold with the group insurance with ANZ, and then also what you do hold there with how the underwritten cover that you did get with that one as well. Now in regards to your risk profile, you did score as a growth risk profile, which is in line with what we've currently got you invested in. And then with that, we are recommending a growth portfolio moving forward.\n\nBut do you have any questions around your risk profile or anything like that there, Harsh?\n\nChannel 1: No. No. Nothing specific.\n\nChannel 0: Yep. Not a problem at all. Now with the actual recommendation itself there, so we obviously reviewed both your superannuation plan you currently hold, Hub twenty four as well and see which one is performing better. We also considered a couple other retail platforms just to see in comparative to, like, pricing if Hub twenty four was still, like, a good competitive market alternative. Now within regards to reviewing all that, it's just looking like at the moment, given the performance you are getting at your Hub twenty four, given the service you do get by having an adviser to be able to tailor those solutions and strategies to you with that platform, it would be still favorable for you to maintain that Hub 24 platform and consolidate your ANZ super.\n\nChannel 1: Okay.\n\nChannel 0: Yeah. Upon reviewing your ANZ super account, we're deferring that you didn't get any, like, employer related benefits from that and justify retaining that or having a second fund for the point of that.\n\nChannel 1: Yeah.\n\nChannel 0: Now with that, having the the cost investment wise, it is quite expensive and then the performance that they were getting in compare in comparison to your hub twenty four. Now by transitioning to Hub twenty four, you have all your funds consolidated. You don't have the two platforms, so that reduces the administration costs. And then with that one there as well, you do have more tailorability to your investment portfolio and future strategies there as well.\n\nChannel 1: Okay.\n\nChannel 0: Yeah. Have you sort of had a play around much on your Hub twenty four since we've had our discussions? Do you have\n\nChannel 1: No.\n\nChannel 0: any concerns or questions in regards\n\nChannel 1: No.\n\nChannel 0: to that?\n\nChannel 1: No. I haven't yet.\n\nChannel 0: Yeah. No. That's perfectly fine.\n\nChannel 1: So\n\nChannel 0: Obviously,\n\nChannel 1: looking at\n\nChannel 0: it's\n\nChannel 1: the current looking at the current market, I I just see the the portfolio that you shared, and it's like most of the major portion of that investment goes in the international international shares or something, 30\n\nChannel 0: Which\n\nChannel 1: 7%.\n\nChannel 0: page she\n\nChannel 1: No. So I was just talking looking at the portfolio on page 37 not 37, sorry. On page 13. So there is profile that that has been shared, I think.\n\nChannel 0: Right. Yeah. Okay. And in regards to, like, how they sort of, like, split the idea up in terms of, like, the different classes\n\nChannel 1: So\n\nChannel 0: in the different areas\n\nChannel 1: yeah. Yeah.\n\nChannel 0: where it's yeah.\n\nChannel 1: So it's international equity. So looking at the current situation, is this well, is it something that we should review or is it that that's the strategy of going\n\nChannel 0: So it's\n\nChannel 1: forward?\n\nChannel 0: how they they balance their portfolios in terms of the diversification. So, recommended portfolio, you'll be able to see that on page 17. So\n\nChannel 1: Yeah.\n\nChannel 0: currently, you have two managed funds. So you got ClearBridge Rare Infrastructure, which has been doing alright, and then also the Benelong Australian Equities, which is around that 10% mark, which hasn't done great at all. It's down that 20% over the year, given that everything has happened with the underlying investment and then also what happened with the war as well. And that's in Australian equities. And then also, you do have, like, agriculture, some physical gold, and then also some cybersecurity in there as well, and then your key holdings being, like, the the S and P five hundred.\n\nNow in regards to that one, the portfolio we're recommending moving forward still maintains some key holdings there as a part of that, so it reduces the capital gains. So you still have a nice key holding in the s and p five hundred even with America And how things are going, you still have an allocation of cybersecurity and a physical gold. The newer investments that will be going into that one, you'll be transitioning away from where you're currently in in the Australian market to the BetaShares\n\nChannel 1: Yeah.\n\nChannel 0: Australian two hundred, which is the top 200 companies in Australia, and that will become another key holding in your portfolio. That'll be about 20. And then the other satellites around that in terms of the diversification of international equities that we can turn, they're spread across Europe, Japan, and then all world excluding The US. So not any sort of specific focuses in any sort of war areas apart from obviously having a key allocation still to The US, but you've still got that currently in your portfolio and\n\nChannel 1: Okay.\n\nChannel 0: hope you isn't sort of moving away from that market in terms with everything long term anyway. They still see it as still being a viable investment for the long term,\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: if that makes sense.\n\nChannel 1: Yeah. Yeah. Yeah. No. That that makes sense.\n\nI think there are a few things like the physical gold that has also gone down and the the shares better shares, it's not that significant drop anyway. So is it something that we will review this and look at the investments, or this is the same investments that we will carry on continue?\n\nChannel 0: No. So on that with that on page 17 there, that's an update to ones that are going and ones that are go being bought. You'll\n\nChannel 1: Yeah.\n\nChannel 0: be able to see that there will be a rebalance. You will be getting rid of some of your physical gold because you do have a bit of an over allocation of that for how well it has done over the past couple years and then still having a key holding of that. You'll also be doing a bit of a a rebalance there of the cybersecurity side of things, and then you'll be switching your allocation from where you are in the Australian market between Bennelong and then the Raffi index that you're currently in, which is sort of similar to the Australian 200 beta shares, but it's calculated a little bit differently as an index. And you'll be moving to that beta shares 200. And then with that, you'll be moving away from bank hybrids, which are getting phased out.\n\nYou'll be moving away from agriculture at the moment, the food, and then having that allocation across those different geographical locations, which will encompass different industries being in those exchange traded funds, if that makes sense.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Yep. So, obviously, since you've been on board, your portfolio has been tracking quite well. Obviously, the last six months, probably not fantastic given that everything has gone on. But with that, we're doing the refresh now. So, hopefully, it will continue with the the uptick once the the war's over to continue\n\nChannel 1: Yep.\n\nChannel 0: to have\n\nChannel 1: Yep.\n\nChannel 0: sustained long term growth. Since coming on board, I believe, after fees and everything like that, it's sitting up around 23% up even with the dip that did occur, which is\n\nChannel 1: Yep.\n\nChannel 0: still nice growth. Obviously, the more money you have in there, the better that can compound moving forward as well, and then you're reducing investment costs with that moving forward.\n\nChannel 1: Correct.\n\nChannel 0: So\n\nChannel 1: Yeah.\n\nChannel 0: by changing the investment there, you will be removing the active portions there, but that also does get rid of the manager risk that you currently hold. So you are tracking those indexes. There isn't a chance to try and outperform what the market's doing because you're just tracking what the markets are doing, but that comes at a base in terms of, like, your investments and the price you pay for having those funds invested, which all goes towards adding more money to your continued\n\nChannel 1: Yep. Yeah. Understood.\n\nChannel 0: growth, if that makes sense.\n\nChannel 1: Yep.\n\nChannel 0: Obviously, in terms of, like, the adviser fee, that will go up slightly in terms of that just purely for the fact of funds under management. If you were to come onboard, that's probably the biggest cost difference is that you will have significantly more funds with Oakview and being managed by their portfolios for that. So that will go up in terms of, like, the investment costs overall that will go down. And then within terms of the the amount of money you pay for your insurances, that will reduce as well because that will be getting removed.\n\nChannel 1: Yeah. Yeah. So so what what about this the Patel, which which I have the insurance with included in this?\n\nChannel 0: Yeah. So we're recommending that you retain your tel insurances there. So you do have the $2,000,000 of life and total permanent disability and then also the income protection for around 1,100 $11,741 as a monthly benefit for that.\n\nChannel 1: But in the and there is a on page 24, it says insurance to be replaced and canceled. Oh, you it oh, that's the ANZ one. Okay.\n\nChannel 0: Yeah. Because you've got\n\nChannel 1: Okay.\n\nChannel 0: that group cover because you have already comprehensive retail cover, and you don't have any exclusions or loadings with that. It just means that in the event that anything did happen, it's probably still more likely that you will be able to claim on your retail cover versus that group cover. If you had a preexisting condition that was sort of covered potentially by those group insurances versus potentially not by your retail cover being the exclusion\n\nChannel 1: Yeah.\n\nChannel 0: or the loading that you potentially would have, given that you don't have any health conditions or concerns that I'm aware of or that you've disclosed to us,\n\nChannel 1: Yeah.\n\nChannel 0: then that means that you should be fully covered by that retail policy as opposed to, like, you know, a group policy that you can hold potentially before, you know, some conditions that may have arisen in your sort of earlier life there. Then you might wanna look at retaining it because you might be able to claim on a certain condition of total term disability and things like that or income protection. But given,\n\nChannel 1: Yep.\n\nChannel 0: you know, you don't have any sort of mental health, any sort of preexisting conditions that apply to that retail policy that you did take out, then\n\nChannel 1: Mhmm.\n\nChannel 0: it's just, if not more, comprehensive because it's already been underwritten versus that group policy that gets underwritten out or, like, assess at the time of claim, which means\n\nChannel 1: Yep.\n\nChannel 0: they still can can deny the claim. And you're paying $1,400 a year for for cover that doesn't meet your needs. And then, also,\n\nChannel 1: Yep.\n\nChannel 0: you can more than likely be able to claim on that retail policy versus that group top group policy anyway.\n\nChannel 1: Yep.\n\nChannel 0: So there's no need to double up and have the, you know, $2,400,000 worth cover when $2,000,000 worth of cover, if anything was to go wrong, would\n\nChannel 1: Yeah.\n\nChannel 0: be more than\n\nChannel 1: Water.\n\nChannel 0: adequate. Yeah. If that makes sense.\n\nChannel 1: Yeah. You know, that's that's that's okay.\n\nChannel 0: Yeah. In terms of, like, the super side of things and the the accounts that you would have, so, obviously, you've got quite a bit in both accounts. So it would roll over approximately that 68,000 from your ANZ to your hub 24, and then you'd have around a 123 in the the fund there with Hub twenty four. It would simplify things in the terms you wouldn't have two accounts. You'd all be in the one place for reporting in terms of your views being able to maintain everything there as well.\n\nIt reduces\n\nChannel 1: Yeah.\n\nChannel 0: overall investment costs, overall administration costs with having two funds with that and managing that. And then with that, you have access to, you know, the investments on the hub twenty four, the advanced reporting. You have grouped aggregate trading with hub twenty four as well, and then you also receive a few financials and ongoing service as well, if that\n\nChannel 1: Yeah.\n\nChannel 0: all makes\n\nChannel 1: Yeah.\n\nChannel 0: sense.\n\nChannel 1: Yeah. No. That that all makes sense. Yeah. I will I will review that and and see if what's the process of getting that rolled over to Hub twenty four.\n\nChannel 0: So so with that, if you were to accept everything and be happy with everything, Harsh, and sign the document, then we can all deal\n\nChannel 1: Yep.\n\nChannel 0: with that in the back end and request that from Hub 24 platform itself. As far as the implementation side of things, the team can can manage that for you. If you're happy with everything, all you'd have to do is sign the document. But\n\nChannel 1: Yep.\n\nChannel 0: as you\n\nChannel 1: Yep.\n\nChannel 0: said, feel free to have a read through, make sure you're across all the advantages, disadvantages, the risks, things like that. Now, obviously, when moving to a replay of platform, obviously, you're you're aware, like, versus unitized versus having capital gains on funds and things like that. So there will be a slight CGT liability with the switching of your investments, but it's sort of\n\nChannel 1: Yeah.\n\nChannel 0: negligible over the long term.\n\nChannel 1: Yeah. No. That's fine. I think it it was in my mind to do it. It was just that I I was not getting time, and I was not very clear how to initiate that that transfer and other things.\n\nSo but, yeah, this\n\nChannel 0: Yes.\n\nChannel 1: probably this time around, I'll I'll go through it as per your advice.\n\nChannel 0: Yep. So if you're happy with everything, then they'll implement that all for you. Won't even have to do anything by signing it to say you're happy with it. Obviously, one thing to be quite aware of, we given how volatile the markets are currently, when sort of selling down from your current, like, industry fund to moving it to hub 24, There's probably a couple weeks there where you're sitting in cash or the funds are being transferred, the rollovers before being vested, those sort of things.\n\nChannel 1: Yep.\n\nChannel 0: Now with that, the volatility of the market with those ups and downs now when sitting in cash, if the market drops and you buy in at the dip, that's fantastic. You've made, you know, a little bit because you're buying at a bit of a lower cost. If the market returns somewhat, you know, by a percent or two during the time that you're sitting in cash, you are selling a bit lower and buying a tiny bit higher. As I said, the the actual gross percentage, it's, like, a little bit negligible over, you know, the longer term period and sort of moving, having the funds consolidated in the overall benefits. It's just something to be aware of given how volatile the markets are\n\nChannel 1: Yeah.\n\nChannel 0: currently that there will\n\nChannel 1: Yeah.\n\nChannel 0: probably be some movement. Obviously, with the war not ending, you know, the likelihood is it could just sort of stay a bit stagnant. If there were sort of certain announcements, so there may be a dip, there may be a rise,\n\nChannel 1: Yeah.\n\nChannel 0: but I can't\n\nChannel 1: Yeah.\n\nChannel 0: tell you what Trump's gonna tweak tomorrow. It's just something to be aware of in terms of, like, the risk when switching from cash to reinvesting.\n\nChannel 1: Yeah. No. No. All good. All good.\n\nNothing. I just find it and send it across to you. So I'm I'm fine with that. I'll\n\nChannel 0: Okay.\n\nChannel 1: in in in my free time, I'll definitely go through more details about the investments and the associated\n\nChannel 0: Yeah.\n\nChannel 1: things, so that that should be fine.\n\nChannel 0: Not a problem. And then if you do sort of come across anything you do have any concerns with, we can sort of, you know, try and stop any trades. Obviously, if they do put the rollover through and it goes through and everything like that, going back is\n\nChannel 1: Yep.\n\nChannel 0: a lot harder. But in the meantime, it shouldn't sort of be implemented at least for a few days if you have some chance to run through it.\n\nChannel 1: Yeah.\n\nChannel 0: As I said,\n\nChannel 1: No.\n\nChannel 0: we\n\nChannel 1: So so from the goal financial goal perspective, that still remains the same. So I just want to reduce the mortgage as much as possible\n\nChannel 0: yeah.\n\nChannel 1: and also look at some investment properties in next twelve months or so. So that the two main objectives, so that we'll need to look, understand what are the ways which which I can achieve that.\n\nChannel 0: Yep. Yeah. Obviously, in regards to that, it's not in this advice piece, but generally speaking, know, you have the mortgage broker you're working with. Obviously, if you're not happy with them, we can recommend sort of another partner. Yeah.\n\nThe main thing there would be to to, you know, finalize your renovations, make sure you're paying down that debt to get your equity back in your home, and even have your home potentially assessed with a a mortgage broker\n\nChannel 1: Yeah.\n\nChannel 0: or real estate agent to see that and to see what equity you can access with your your home loan to potentially reenter any investment market there as well. Obviously, over the next sort of that six to twelve months, you're probably looking at finalizing those renovations and then\n\nChannel 1: Yeah.\n\nChannel 0: seeing what the home value is and then obviously\n\nChannel 1: K.\n\nChannel 0: going from there. And then the main thing from there is obviously just focusing on, you know, making your payments, making any additional payments you do wanna do, sticking to your budget. Obviously, with the cost of living at the moment, it's\n\nChannel 1: Yeah.\n\nChannel 0: very easy to to move away from your budgets. I know you're quite good generally with your your money from what you've told me. It's just important given with the, you know, the cost of living increasing and things like that. You might need to, you know, either forego a few things or just rejig your budget slightly that you're not sort of, you know, spending more than what you were previously to meet your goals over that longer term period.\n\nChannel 1: Yeah. No. That's fine. And also, like, is it always a person dependent thing, or is it do you also have an option to merge the the Hub twenty four with the partner as well? Like like, if they are they are earning and and and I want to also get that investments together?\n\nLike, is that is that an option?\n\nChannel 0: So in terms of, like, changing your underlying investments per, like, you just calling up and wanting to have something in it?\n\nChannel 1: No. So I mean to say that let's say that I am I am with Hub twenty four, and\n\nChannel 0: Yep.\n\nChannel 1: my my wife, if if she she's also has a salary, and she also has her own\n\nChannel 0: Yep.\n\nChannel 1: the super account. And and if if we want to take that and merge with the hub twenty four as a common account, is that something that we can is that is that an option so that\n\nChannel 0: So\n\nChannel 1: she also gets\n\nChannel 0: in\n\nChannel 1: the\n\nChannel 0: terms\n\nChannel 1: benefit?\n\nChannel 0: of, like, coming onboard as a client, they have a coupling fee at the moment. So that can drop your ongoing fees down to 1.1% as opposed to the 1.65. Now another benefit with they went with Hub twenty four, you wouldn't be able to merge the accounts and have the same, like, fund in a sense, but you can link the account through, like, family linking if they were recommended the hub 24 platform or if that's something that your partner wanted in terms of, like, simplicity and then also\n\nChannel 1: Yes.\n\nChannel 0: cost savings. And then what that does is it treats the money as the same in terms of, like, you know, if she had a 100 and you had your 100, it would be considered 200,000 of funds\n\nChannel 1: Yeah.\n\nChannel 0: under management, and they would charge the administration fees accordingly to as 200 instead of, like, two separate accounts at a 100 each, which\n\nChannel 1: Correct.\n\nChannel 0: can save\n\nChannel 1: Yeah.\n\nChannel 0: you on administration costs, but you'd still have your own separate account. You could have the\n\nChannel 1: Yep.\n\nChannel 0: same investment, so, technically, you'd be invested in the same things and things like that as well. The the difference is is they're still separate, that you just get a bit of fee savings, and then the reporting, you know, you can report individually on your individual accounts.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: And\n\nChannel 1: No.\n\nChannel 0: then\n\nChannel 1: That's something I I'll I'll I'll think about it and let you know.\n\nChannel 0: yeah. If you want obviously, the consultation part is is all free. So you can you know, if you want to refer your partner on, I believe the referral partner program is still going. So even if you referred your partner and she came on board, you can get, like, a $100 gift card if that's still running,\n\nChannel 1: Okay.\n\nChannel 0: which is a bit of a bonus, bit of free money. And then if they were to come on board as a client of Oakview as well, as I said, the ongoing fee would not only drop for your partner, but it'd drop for for you, which would save you on administration costs for the service here as well,\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: if\n\nChannel 1: Yeah. Definitely.\n\nChannel 0: that makes sense.\n\nChannel 1: Yeah. Yeah. Yeah. Definitely.\n\nChannel 0: Yeah.\n\nChannel 1: So I'll I'll I'll discuss with with my wife and and see what what she's getting currently, the benefits from her current super, and then we can take\n\nChannel 0: Yeah.\n\nChannel 1: a call.\n\nChannel 0: Obviously, you've got the the financial services guide and Oakview services guide. So feel free to have a look through that, see the services on offer that you do get a part of that. Obviously, the biggest expenses, like, the upfront cost that you probably remember there. But ongoing from\n\nChannel 1: Yeah.\n\nChannel 0: that, it is just a percentage based fee for the services you do get here at Oakview. And then sometimes it's nice just having it all in\n\nChannel 1: Yep.\n\nChannel 0: the one spot. You can look to, you know, you know, depending on what you wanna do a bit later in life as well, getting joint advice pieces, you know, getting your interviews closer together so it's all done in one big hit, and then sort of you don't have to think about it for the next twelve months as well.\n\nChannel 1: Yep.\n\nChannel 0: And then, also, yeah, if there was sort of any other people that you did sort of refer us onto or tell them to to come to us, it might be worth just saying that that you sent them and saying that you were the person that referred them on. If that\n\nChannel 1: Yep.\n\nChannel 0: referral program is still running, you might just get a free $100 gift card out of it if you are speaking to your workmates or any further friends or family as well.\n\nChannel 1: Sure. Yeah.\n\nChannel 0: No problem, Hush. As I was saying, though, there in regards to what we did consider, we did consider even just moving you back to ANZ due to, like, the past performance and then the cost with that one and the risk profile and the investment range you had. We just recommend you stick with the hub 24 and then\n\nChannel 1: Yes.\n\nChannel 0: stick with a more sort of tailored service for that longer term sort of mindset. And we also did look at another few retail form platforms, but the capital gains that you currently hold on your account and the benefits you'd get by moving elsewhere in terms of, like, any cost savings, it didn't really work out to be in your best interest, so we're just referring that you stay with hub twenty four. As I said on page 17 there, you will have the buyers and the sales of what you'd be selling and what you'd be buying. Now in the appendix, you do have links to that one as well to see what the recommended investments are if you would do wanna have a look at those. Obviously, you wouldn't have that active management moving forward, which is a key component of that.\n\nBut if you take into account your actively managed fund Benelon that didn't perform well and the actively cleavage fund that did perform well, you're still at a tiny bit of a loss in terms of, like, active management. Whereas if you just had a cheaper investment, the index investment moving forward, you would have saved on those investment costs, and you would have sort of had a little bit better performance. So with that moving forward, you obviously won't have the ability to potentially outperform the market, but you'll be following what the indexes are doing. And if the markets are performing well, then your portfolio will perform well as well as a cheaper alternative, and you'll have a little less volatility and a little less risk in terms of, like, manager risk and managers making the wrong decisions as opposed to, like, obviously,\n\nChannel 1: Yeah.\n\nChannel 0: the war just affecting your portfolio's performance, if that makes sense.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Perfect. In terms of the asset allocation, obviously, you're in a growth portfolio. So the recommended investment, it will still be in line with the growth portfolio around that 8020 split. You'll have around 83% in growth and around sort of 16.75 in defensive assets there. Moving\n\nChannel 1: Okay.\n\nChannel 0: forward, you'll be able to see the split between the Australian international equities, a little bit of property, and alternative growth assets, which is your gold majority. It can be considered a bit defensive gold in terms of how it can act, but at the moment, it's just getting a lot of that capital growth. So that's how they define it at the moment. In relation to that one, it will be slightly less exposed to growth assets than your current portfolio, but it has historically performed better as well. On\n\nChannel 1: Mhmm. Yeah.\n\nChannel 0: page 20 there, you'll be able to see how those cost differences look in terms of, like, the the fees you're paying, how it's split up, the investment, other fees, and things like that as well. And then you'll be able to see a projection from that one. Now projection is always to be taken with a grain of salt because, obviously, you know, no one knows what the market's gonna do tomorrow, let alone today. But it just\n\nChannel 1: Yep.\n\nChannel 0: gives you a bit of an illustration based on, like, cost, the regular performance, and how it was performed for the last five years and how that might look moving forward. So, obviously, the goal here is to try and put you in a better position. The the main thing there is you'll be saving on investment costs moving forward with the updated investment change. Your money will be together having a bit more of a compounding effect. So when you do have those good years, obviously, that gets reinvested into the same investment, and you do have that high potential for that compounding effect to really get your your super growing versus having your\n\nChannel 1: Yep.\n\nChannel 0: funds split across different investment platforms.\n\nChannel 1: Okay.\n\nChannel 0: Perfect. In terms of the insurance side of things, you do already have that tailored insurance policy with TAL. As I said, you don't have those exclusions or loadings with the going through and underwriting to relook at changing those. We're just looking at keeping everything the same. In future, you know, if your health's still well and nothing has changed and anything does pop up, we can look at rewriting the policy for, like, the exact same amount of cover a little bit less depending on what your needs currently are just to sort of review for market cost.\n\nBut currently, it's still comparative in the market, still quite competitive for the amount of cover that you do hold there already.\n\nChannel 1: Okay.\n\nChannel 0: And then we're recommending getting rid of that live PVD and IP with the ANZ account. As I said, it is group cover. If it predated any conditions, we might potentially look at keeping it and retaining it. But given, you know, you don't have any health conditions currently, then there's no reason that we should sort of retain that just for the insurance purposes when you do have adequate cover with pal, if that makes sense.\n\nChannel 1: Yep. All good.\n\nChannel 0: Perfect. So with that, it'll save you over a thousand dollars per annum just on insurance costs, which is fantastic. That can go back into being invested and growing towards your retirement goals there as well. You will see what that impact will clock in terms of, like, if you had your current versus having a rec the recommended in regards to the five and ten year impact and then no insurances at all. Obviously, it does affect your superannual balance and the growth over the long term.\n\nBut in saying that, we do review it regularly to make sure it's not eating away too much at your retirement goals. And then, obviously, having that cover if they that anything did happen given, you know, the the family, you two two kids, and then the your partner with the level of debt you have, you'd wanna sort of make sure that they were well taken care of.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Obviously, the risk in regards to that if you didn't sort of disclose anything regarding that retail policy or any exclusions that may apply, you still don't have to meet the strict PPD definitions of the retail policy, same as if you were to sort of try and claim on your group cover. The benefit is is it's obviously already underwritten. We did look at potentially retaining both policies, but it comes at quite a cost both in\n\nChannel 1: Yep.\n\nChannel 0: having two two funds and then two insurances. And then also the administration with that and the premiums that you're paying, that would just eat away at your retirement savings. And then we looked at obviously not having insurances there, but obviously that would leave you significantly at risk and under protected given your current lifestyle and family arrangements.\n\nChannel 1: Yep. Yep. All good.\n\nChannel 0: As far as the ongoing fees, we do get obviously the 1.65% of the the balance. Now within regards to that one, it is around 2,123. Now with the ongoing service agreement, that's sort of what it'll roughly be as well because it's based on your current balance and growth. Out of that over a twelve month period, obviously, if the market still stay a bit stagnant with the war, that'll change slightly because it is a monthly figure that does come out. And then we do get 22% of the ongoing premium of the insurance policy that you do pay just for maintaining that policy with the insurer.\n\nIt's not like an additional out of pocket cost or anything for you.\n\nChannel 1: Okay.\n\nChannel 0: That's just what we get for maintaining that policy with the insurer through the payment that you do pay. We just have to disclose it because it is something we do get as a form from munition, if that makes sense.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. As far as the the implementation side of things go, once you were to sign up which you have there, they'll complete that full rollout from the ANZ, which will cancel that group cover, and then it'll get the money consolidating to your hub 24. And then within regards to that, it does say that you could cancel your ANZ superannuation. They'll follow-up on that. But when you complete a full rollover, it will just cancel those assurances automatically, if that makes\n\nChannel 1: Yeah.\n\nChannel 0: sense. And\n\nChannel 1: All\n\nChannel 0: then\n\nChannel 1: good.\n\nChannel 0: I hope you would do the investment update. But do you have any questions in regards to ongoing service, the ongoing service agreement, or your past sort of twelve months or anything like that, Harsh? I know I've had\n\nChannel 1: No.\n\nChannel 0: a few\n\nChannel 1: No.\n\nChannel 0: comments.\n\nChannel 1: No. That's all good. I think that's that's that's what is it's been there. Right? There's no changes in the\n\nChannel 0: In regards to what from when we've previously spoken?\n\nChannel 1: yeah. I mean, the the the recurring the fees.\n\nChannel 0: No. It's still 1.65. Yeah. They've always been $1.06 point 0.65. Obviously, if your balance grows, it will grow.\n\nSo with no more funds coming under management, the adviser fee will go up because we'll have more funds under management there. But in terms of, like, the percentage base and how that's charged, that's all the\n\nChannel 1: Yeah. Yeah. Okay. All good.\n\nChannel 0: same. Not a problem. Do you have any it is quite straightforward, that advice fee there, Harish. Do you have any questions or any concerns in regards to that? Or\n\nChannel 1: No. I I don't have it at this stage, but let me go through that that document again. I do have already signed because I know the on the from the top, it's it it it looks all good.\n\nChannel 0: Yep.\n\nChannel 1: And if there is anything any particular question, I'll I'll come back.\n\nChannel 0: Not a problem at all. Just, yeah, ring up. And, obviously, if I'm free, I'll take the call. If not, I'll get you booked back in or shoot shoot an email through. But, otherwise, I'll leave it in your hands, have a review of that, and come back with any other questions you may have there, Harsh.\n\nBut I won't take up any more of your morning. I'll let you get back to it.\n\nChannel 1: Yep. Yep. All good. Thanks. Thanks, Kyle.\n\nChannel 0: No problem, Harsh. You enjoy the rest of your day. Thanks for your time this\n\nChannel 1: You\n\nChannel 0: morning,\n\nChannel 1: too,\n\nChannel 0: and\n\nChannel 1: mate.\n\nChannel 0: I'm\n\nChannel 1: Thanks.\n\nChannel 0: sure yeah. Perfect.\n\nChannel 1: Yep. Thank\n\nChannel 0: Alright. Have\n\nChannel 1: you.\n\nChannel 0: a good one. Thanks, Harsh. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.96,"end":1.46,"sentiment":"neutral","sentiment_score":0.06473423540592194}],"sentiment":"neutral","sentiment_score":0.06473423540592194,"channel":1,"num_words":1,"start":0.96,"end":1.46},{"sentences":[{"text":"Good morning, Harsh.","start":2.48,"end":3.1999998,"sentiment":"positive","sentiment_score":0.43811389803886414},{"text":"It's Carl calling from HP Financial.","start":3.1999998,"end":4.72,"sentiment":"neutral","sentiment_score":0.24863510578870773},{"text":"How are you today?","start":4.72,"end":5.62,"sentiment":"neutral","sentiment_score":0.31085890531539917}],"sentiment":"neutral","sentiment_score":0.3115067653931104,"channel":0,"num_words":13,"start":2.48,"end":5.62},{"sentences":[{"text":"Good, Carl.","start":5.92,"end":6.48,"sentiment":"positive","sentiment_score":0.4081473797559738},{"text":"How are you?","start":6.48,"end":7.2999997,"sentiment":"neutral","sentiment_score":0.28560083111127216}],"sentiment":"positive","sentiment_score":0.3346194505691528,"channel":1,"num_words":5,"start":5.92,"end":7.2999997},{"sentences":[{"text":"Yeah.","start":7.2,"end":7.44,"sentiment":"neutral","sentiment_score":0.2105250209569931},{"text":"Not too bad at all.","start":7.44,"end":8.16,"sentiment":"neutral","sentiment_score":0.27700060307979585},{"text":"I've had you scheduled in for your statement of advice presentation.","start":8.16,"end":10.58,"sentiment":"neutral","sentiment_score":0.28771825541149487}],"sentiment":"neutral","sentiment_score":0.2800252262283774,"channel":0,"num_words":17,"start":7.2,"end":10.58},{"sentences":[{"text":"Yes.","start":11.36,"end":11.86,"sentiment":"neutral","sentiment_score":0.18640382587909696}],"sentiment":"neutral","sentiment_score":0.18640382587909696,"channel":1,"num_words":1,"start":11.36,"end":11.86},{"sentences":[{"text":"Yeah.","start":12.175,"end":12.495,"sentiment":"neutral","sentiment_score":0.17147867381572723},{"text":"Isn't that still a good time for you?","start":12.495,"end":14.035,"sentiment":"neutral","sentiment_score":0.1897780578583479}],"sentiment":"neutral","sentiment_score":0.18774479296472338,"channel":0,"num_words":9,"start":12.175,"end":14.035},{"sentences":[{"text":"Yeah.","start":14.16,"end":14.4,"sentiment":"neutral","sentiment_score":0.28372231125831604},{"text":"All good.","start":14.4,"end":15.045,"sentiment":"positive","sentiment_score":0.4847043305635452}],"sentiment":"positive","sentiment_score":0.4177103241284688,"channel":1,"num_words":3,"start":14.16,"end":15.045},{"sentences":[{"text":"Perfect.","start":15.295,"end":15.695,"sentiment":"positive","sentiment_score":0.48696523904800415},{"text":"Not a problem.","start":15.695,"end":16.175,"sentiment":"neutral","sentiment_score":0.3312840163707733},{"text":"Just to get started on that one, Harsh, if I could just pass through security, just that name, date of birth, and current address for me, please?","start":16.175,"end":21.154999,"sentiment":"neutral","sentiment_score":0.13940146648221546}],"sentiment":"neutral","sentiment_score":0.16918248010258521,"channel":0,"num_words":31,"start":15.295,"end":21.154999},{"sentences":[{"text":"Start with the name.","start":24.244999,"end":25.305,"sentiment":"neutral","sentiment_score":0.051240892149508}],"sentiment":"neutral","sentiment_score":0.051240892149508,"channel":1,"num_words":4,"start":24.244999,"end":25.305},{"sentences":[{"text":"Yeah.","start":25.95,"end":26.19,"sentiment":"neutral","sentiment_score":0.08530686050653458},{"text":"Just a pass through security.","start":26.19,"end":27.390001,"sentiment":"neutral","sentiment_score":0.07656344547867774},{"text":"So just your name, date of birth, and current address.","start":27.390001,"end":29.87,"sentiment":"neutral","sentiment_score":0.08809327557682992},{"text":"We can set up a client password afterwards if you you would like, if you don't wanna do the three points for security in future.","start":29.87,"end":35.73,"sentiment":"neutral","sentiment_score":0.1051071186363697}],"sentiment":"neutral","sentiment_score":0.09699353194091379,"channel":0,"num_words":41,"start":25.95,"end":35.73},{"sentences":[{"text":"No.","start":35.53,"end":36.03,"sentiment":"neutral","sentiment_score":-0.0442570298910141},{"text":"That's okay.","start":36.17,"end":36.91,"sentiment":"neutral","sentiment_score":0.006364476401358843},{"text":"So my name is Harsh Matu.","start":36.97,"end":38.41,"sentiment":"neutral","sentiment_score":0.02982394862920046},{"text":"Date of birth is 06/05/1981.","start":38.41,"end":40.75,"sentiment":"neutral","sentiment_score":0.0276924941688776},{"text":"And the address is 36 Tenzanite Street, Pallara, Queensland, 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renovating?","start":62.06,"end":67.095,"sentiment":"neutral","sentiment_score":-0.05657670057068268}],"sentiment":"neutral","sentiment_score":0.07189272776512164,"channel":0,"num_words":56,"start":45.725,"end":67.095},{"sentences":[{"text":"Or","start":67.235,"end":67.735,"sentiment":"neutral","sentiment_score":-0.027170810848474503}],"sentiment":"neutral","sentiment_score":-0.027170810848474503,"channel":0,"num_words":1,"start":67.235,"end":67.735},{"sentences":[{"text":"Yes.","start":67.5,"end":67.979996,"sentiment":"neutral","sentiment_score":0.004269959405064583},{"text":"Yeah.","start":67.979996,"end":68.475,"sentiment":"neutral","sentiment_score":-0.0018234280869364736}],"sentiment":"neutral","sentiment_score":0.0012232656590640545,"channel":1,"num_words":2,"start":67.5,"end":68.475},{"sentences":[{"text":"so it's for 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work is still in progress.","start":80.6,"end":82.06,"sentiment":"neutral","sentiment_score":0.007228688647349675}],"sentiment":"neutral","sentiment_score":0.008263286901637912,"channel":1,"num_words":8,"start":79.915,"end":82.06},{"sentences":[{"text":"of","start":82.33,"end":82.83,"sentiment":"neutral","sentiment_score":-0.016371063888072968}],"sentiment":"neutral","sentiment_score":-0.016371063888072968,"channel":0,"num_words":1,"start":82.33,"end":82.83},{"sentences":[{"text":"Once that's done, then then we can go for","start":82.759995,"end":85.34,"sentiment":"neutral","sentiment_score":-0.025251897828032572}],"sentiment":"neutral","sentiment_score":-0.025251897828032572,"channel":1,"num_words":9,"start":82.759995,"end":85.34},{"sentences":[{"text":"gone","start":84.97,"end":85.47,"sentiment":"neutral","sentiment_score":-0.05587420240044594}],"sentiment":"neutral","sentiment_score":-0.05587420240044594,"channel":0,"num_words":1,"start":84.97,"end":85.47},{"sentences":[{"text":"a a 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done.","start":91.85,"end":102.515,"sentiment":"neutral","sentiment_score":0.08227328133837479}],"sentiment":"neutral","sentiment_score":0.09069137231978987,"channel":0,"num_words":56,"start":87.45,"end":102.515},{"sentences":[{"text":"Yeah.","start":102.645004,"end":103.045,"sentiment":"neutral","sentiment_score":0.06187380105257034},{"text":"Sure.","start":103.045,"end":103.285,"sentiment":"neutral","sentiment_score":0.049818024039268494},{"text":"No.","start":103.285,"end":103.445,"sentiment":"neutral","sentiment_score":-0.10612054914236067},{"text":"I just did the refinancing now.","start":103.445,"end":104.805,"sentiment":"neutral","sentiment_score":-0.09476021428902943},{"text":"So I'll just wait for the interest rate to go down first, and then we'll 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a","start":113.07,"end":118.165,"sentiment":"neutral","sentiment_score":-0.2670027467608452}],"sentiment":"neutral","sentiment_score":-0.2670027467608452,"channel":0,"num_words":25,"start":113.07,"end":118.165},{"sentences":[{"text":"Yeah.","start":118.13,"end":118.63,"sentiment":"neutral","sentiment_score":-0.01089891977608204}],"sentiment":"neutral","sentiment_score":-0.01089891977608204,"channel":1,"num_words":1,"start":118.13,"end":118.63},{"sentences":[{"text":"normal amount if you wanna go fix for a period","start":118.165,"end":120.005,"sentiment":"neutral","sentiment_score":-0.01893674973398447}],"sentiment":"neutral","sentiment_score":-0.01893674973398447,"channel":0,"num_words":10,"start":118.165,"end":120.005},{"sentences":[{"text":"Yeah.","start":119.97,"end":120.47,"sentiment":"neutral","sentiment_score":0.013408103957772257}],"sentiment":"neutral","sentiment_score":0.013408103957772257,"channel":1,"num_words":1,"start":119.97,"end":120.47},{"sentences":[{"text":"or 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credit credit cards.","start":158.99501,"end":160.455,"sentiment":"neutral","sentiment_score":-0.12129336595535278}],"sentiment":"neutral","sentiment_score":-0.12129336595535278,"channel":1,"num_words":4,"start":158.99501,"end":160.455},{"sentences":[{"text":"The credit card's all paid off and everything as well.","start":160.49,"end":163.13,"sentiment":"neutral","sentiment_score":-0.024445325881242753},{"text":"Okay.","start":163.13,"end":163.53,"sentiment":"neutral","sentiment_score":0.049163058400154114},{"text":"No problem.","start":163.53,"end":164.17,"sentiment":"neutral","sentiment_score":0.09416969865560532},{"text":"And as far as the novated lease, you're continuing in novated 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this.","start":176.205,"end":180.625,"sentiment":"neutral","sentiment_score":0.09480164921842515},{"text":"In addition to the we did update your home loan debt to the $8.50.","start":181.085,"end":184.865,"sentiment":"neutral","sentiment_score":0.11491022152560097}],"sentiment":"neutral","sentiment_score":0.10799742127327543,"channel":0,"num_words":38,"start":172.925,"end":184.865},{"sentences":[{"text":"If you do want an updated piece just to change that figure, that's more than fine, but it doesn't actually affect the advice piece there today as well.","start":185.13,"end":191.39,"sentiment":"neutral","sentiment_score":0.16444590554705688}],"sentiment":"neutral","sentiment_score":0.16444590554705688,"channel":0,"num_words":28,"start":185.13,"end":191.39},{"sentences":[{"text":"Mhmm.","start":190.98,"end":191.48,"sentiment":"neutral","sentiment_score":0.04302915185689926},{"text":"Mhmm.","start":191.78,"end":192.28,"sentiment":"neutral","sentiment_score":0.03781265765428543},{"text":"Okay.","start":192.42,"end":192.92,"sentiment":"neutral","sentiment_score":0.07797819375991821}],"sentiment":"neutral","sentiment_score":0.05294000109036764,"channel":1,"num_words":3,"start":190.98,"end":192.92},{"sentences":[{"text":"So this will be going to Harsh.Martha123@Gmail.com, and you","start":193.77,"end":199.33499,"sentiment":"neutral","sentiment_score":0.11728623012701671}],"sentiment":"neutral","sentiment_score":0.11728623012701671,"channel":0,"num_words":9,"start":193.77,"end":199.33499},{"sentences":[{"text":"Yep.","start":199.22,"end":199.72,"sentiment":"neutral","sentiment_score":0.14898167550563812}],"sentiment":"neutral","sentiment_score":0.14898167550563812,"channel":1,"num_words":1,"start":199.22,"end":199.72},{"sentences":[{"text":"should have this shortly.","start":199.33499,"end":201.03499,"sentiment":"neutral","sentiment_score":0.14624952664598823},{"text":"Now within regards to the documents there, so it with OdooSign, you'll have the email and the attachments with that.","start":201.815,"end":207.735,"sentiment":"neutral","sentiment_score":0.1364677708595991},{"text":"So you'll have a copy of the statement advice, the appendix.","start":207.735,"end":210.235,"sentiment":"neutral","sentiment_score":0.22156276350671594},{"text":"You'll also have the PDFs for the products you hold and the recommended products, and then the services guide and financial services guide as well, just the up to date most copies, and a Vanguard index chart for you to be able to look at, just the markets over the past thirty years or so.","start":210.295,"end":224.48,"sentiment":"neutral","sentiment_score":0.2528744039210406},{"text":"And then within regards to signable documents, there will be your ongoing service agreement and the statement advice.","start":224.86,"end":229.9,"sentiment":"neutral","sentiment_score":0.2423046169181665}],"sentiment":"neutral","sentiment_score":0.22241777076420408,"channel":0,"num_words":108,"start":199.33499,"end":229.9},{"sentences":[{"text":"We were happy to stay on board, happy to take on the advice as well.","start":229.9,"end":232.865,"sentiment":"positive","sentiment_score":0.7647724111874898},{"text":"So","start":233.485,"end":233.725,"sentiment":"positive","sentiment_score":0.3511815667152405}],"sentiment":"positive","sentiment_score":0.7389229834079742,"channel":0,"num_words":16,"start":229.9,"end":233.725},{"sentences":[{"text":"Okay.","start":233.565,"end":234.065,"sentiment":"positive","sentiment_score":0.3680922985076904}],"sentiment":"positive","sentiment_score":0.3680922985076904,"channel":1,"num_words":1,"start":233.565,"end":234.065},{"sentences":[{"text":"that will be with you there shortly, and then we can run through the document and its recommendations.","start":233.725,"end":238.225,"sentiment":"positive","sentiment_score":0.3489993065595627},{"text":"But before we get started, is there any questions you do have or anything you wanted to touch on before we jump into that document there today, Hass?","start":239.085,"end":244.38,"sentiment":"neutral","sentiment_score":0.03649170084723404}],"sentiment":"neutral","sentiment_score":0.15877728569118874,"channel":0,"num_words":46,"start":233.725,"end":244.38},{"sentences":[{"text":"No.","start":244.605,"end":244.765,"sentiment":"neutral","sentiment_score":-0.11647196114063264},{"text":"No.","start":244.765,"end":245.00499,"sentiment":"neutral","sentiment_score":-0.11365604400634766},{"text":"I'll go ahead.","start":245.00499,"end":245.745,"sentiment":"neutral","sentiment_score":-0.04742852474252383}],"sentiment":"neutral","sentiment_score":-0.07448271587491036,"channel":1,"num_words":5,"start":244.605,"end":245.745},{"sentences":[{"text":"Not a problem.","start":246.22,"end":247.12001,"sentiment":"neutral","sentiment_score":0.2981336712837219},{"text":"So once this comes up, you'll be able to click on the the attached statement advice for us to be able to run through there.","start":247.18001,"end":252.70001,"sentiment":"neutral","sentiment_score":0.24683156728744507},{"text":"So it was prepared for yourself.","start":252.70001,"end":254.3,"sentiment":"positive","sentiment_score":0.35712972780068714},{"text":"It was finalized on the March 18 there.","start":254.3,"end":256.38,"sentiment":"positive","sentiment_score":0.33394806273281574},{"text":"Now you do have thirty days from that date for it to be valid and then another thirty days as long as you confirm your details.","start":256.38,"end":261.835,"sentiment":"neutral","sentiment_score":0.222504439835365}],"sentiment":"neutral","sentiment_score":0.2597745367709328,"channel":0,"num_words":68,"start":246.22,"end":261.835},{"sentences":[{"text":"Since we confirm your details, as long as you sign that date, it's that timeline, it's sort of fine.","start":262.29498,"end":268.395,"sentiment":"positive","sentiment_score":0.4053067612020593},{"text":"So it's prepared by myself and the team here as an authorized representative under OQ Financial.","start":268.85498,"end":273.08,"sentiment":"neutral","sentiment_score":0.2715030275285244},{"text":"Within regards","start":274.26,"end":274.86,"sentiment":"neutral","sentiment_score":0.14595568180084229}],"sentiment":"positive","sentiment_score":0.3334267099161406,"channel":0,"num_words":37,"start":262.29498,"end":274.86},{"sentences":[{"text":"Okay.","start":274.69498,"end":275.19498,"sentiment":"neutral","sentiment_score":0.18147505819797516}],"sentiment":"neutral","sentiment_score":0.18147505819797516,"channel":1,"num_words":1,"start":274.69498,"end":275.19498},{"sentences":[{"text":"to that, it still takes an account best interest, Judy, trying to put you in a better position for you currently at even though your original adviser obviously was with us.","start":274.86,"end":281.46,"sentiment":"neutral","sentiment_score":0.07415496149370747},{"text":"And then from there, we're just constantly trying to put you in a better position by updating that advice as well.","start":281.46,"end":286.335,"sentiment":"neutral","sentiment_score":0.17778209490435465},{"text":"Now has that email come through there, Hass?","start":287.935,"end":289.69498,"sentiment":"neutral","sentiment_score":0.1188357463106513},{"text":"Do you","start":289.69498,"end":290.01498,"sentiment":"neutral","sentiment_score":0.053924331441521645}],"sentiment":"neutral","sentiment_score":0.11436713601071988,"channel":0,"num_words":62,"start":274.86,"end":290.01498},{"sentences":[{"text":"Yeah.","start":289.885,"end":290.125,"sentiment":"neutral","sentiment_score":0.0999835953116417}],"sentiment":"neutral","sentiment_score":0.0999835953116417,"channel":1,"num_words":1,"start":289.885,"end":290.125},{"sentences":[{"text":"be","start":290.01498,"end":290.175,"sentiment":"neutral","sentiment_score":0.06554614752531052}],"sentiment":"neutral","sentiment_score":0.06554614752531052,"channel":0,"num_words":1,"start":290.01498,"end":290.175},{"sentences":[{"text":"Yeah.","start":290.125,"end":290.285,"sentiment":"neutral","sentiment_score":0.12590546905994415}],"sentiment":"neutral","sentiment_score":0.12590546905994415,"channel":1,"num_words":1,"start":290.125,"end":290.285},{"sentences":[{"text":"able","start":290.175,"end":290.335,"sentiment":"neutral","sentiment_score":0.1196712851524353}],"sentiment":"neutral","sentiment_score":0.1196712851524353,"channel":0,"num_words":1,"start":290.175,"end":290.335},{"sentences":[{"text":"Yeah.","start":290.285,"end":290.445,"sentiment":"neutral","sentiment_score":0.07859551161527634}],"sentiment":"neutral","sentiment_score":0.07859551161527634,"channel":1,"num_words":1,"start":290.285,"end":290.445},{"sentences":[{"text":"to 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it.","start":291.325,"end":292.125,"sentiment":"neutral","sentiment_score":0.06948647151390712},{"text":"Yeah.","start":292.125,"end":292.625,"sentiment":"neutral","sentiment_score":0.12372209131717682}],"sentiment":"neutral","sentiment_score":0.08102307170629501,"channel":1,"num_words":5,"start":291.165,"end":292.625},{"sentences":[{"text":"Yeah.","start":292.655,"end":293.055,"sentiment":"neutral","sentiment_score":0.17628061771392822},{"text":"Not a problem.","start":293.055,"end":293.875,"sentiment":"neutral","sentiment_score":0.1885921855767568},{"text":"So on the the pages over there on three and four and then also five, you'll be able to see the the scoping and what we sort of considered when we're having out of those conversations.","start":294.255,"end":303.85,"sentiment":"neutral","sentiment_score":0.05293571328123411},{"text":"Now within regards to that, it was mainly around the superannuation and looking at the the insurances as 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sense.","start":321.225,"end":325.885,"sentiment":"neutral","sentiment_score":0.1213197223842144}],"sentiment":"neutral","sentiment_score":0.1213197223842144,"channel":0,"num_words":16,"start":321.225,"end":325.885},{"sentences":[{"text":"Yeah.","start":326.785,"end":327.285,"sentiment":"neutral","sentiment_score":0.17693063616752625}],"sentiment":"neutral","sentiment_score":0.17693063616752625,"channel":1,"num_words":1,"start":326.785,"end":327.285},{"sentences":[{"text":"Now in regards to the estate planning, we had a discussion around that.","start":328.32,"end":331.6,"sentiment":"neutral","sentiment_score":0.22631735985095686},{"text":"You're quite satisfied with what you've currently got in place in regards to your estate planning and then also in regards to your cash flow and budgeting and then being able to to save effectively for the debts that you do have And then also in regards to looking at your financing, I know you were looking through the Ola Lending that we're referred to by someone prior as well and happy with them, and then also looking at investment property down the track as well.","start":331.6,"end":355.68,"sentiment":"neutral","sentiment_score":0.3018755482639684},{"text":"But it's so far those are all scoped out.","start":355.84,"end":357.91998,"sentiment":"neutral","sentiment_score":0.06096515307823817},{"text":"They're just accountability partners in regards to that as far as the advised piece of data centered around that superannuation insurances, if that makes sense to us.","start":357.91998,"end":365.46,"sentiment":"neutral","sentiment_score":0.07461691965107564}],"sentiment":"neutral","sentiment_score":0.2330871558299771,"channel":0,"num_words":135,"start":328.32,"end":365.46},{"sentences":[{"text":"Yep.","start":365.5,"end":366.0,"sentiment":"neutral","sentiment_score":0.2308606207370758}],"sentiment":"neutral","sentiment_score":0.2308606207370758,"channel":1,"num_words":1,"start":365.5,"end":366.0},{"sentences":[{"text":"Perfect.","start":367.28,"end":367.75998,"sentiment":"positive","sentiment_score":0.3937367796897888},{"text":"So quite simply there after the review, we're recommending that you roll over your ANZ superannuation fund to your hub twenty four superannuation fund and switch","start":367.75998,"end":375.345,"sentiment":"neutral","sentiment_score":0.13654328911350325}],"sentiment":"neutral","sentiment_score":0.14606897394966195,"channel":0,"num_words":27,"start":367.28,"end":375.345},{"sentences":[{"text":"Mhmm.","start":375.17502,"end":375.67502,"sentiment":"neutral","sentiment_score":0.07448305189609528}],"sentiment":"neutral","sentiment_score":0.07448305189609528,"channel":1,"num_words":1,"start":375.17502,"end":375.67502},{"sentences":[{"text":"your underlying investment there as a bit of an investment reset refresh.","start":375.345,"end":379.20502,"sentiment":"neutral","sentiment_score":0.06029438289503256},{"text":"And then also just retaining that tower cover and canceling your ANZ group insurances there as well.","start":379.42502,"end":384.36,"sentiment":"neutral","sentiment_score":0.04113057058523683},{"text":"Now before we jump into the document there, do you have any questions in regards to that?","start":386.75998,"end":390.12,"sentiment":"neutral","sentiment_score":0.05712907432633288},{"text":"That's, like, the very straightforward strategy recommendation they have.","start":390.12,"end":393.58,"sentiment":"neutral","sentiment_score":0.23082429005040062}],"sentiment":"neutral","sentiment_score":0.08129754852164875,"channel":0,"num_words":55,"start":375.345,"end":393.58},{"sentences":[{"text":"No.","start":394.74,"end":394.9,"sentiment":"neutral","sentiment_score":-0.021128397434949875},{"text":"I'll I'll just go through it.","start":394.9,"end":396.26,"sentiment":"neutral","sentiment_score":-0.03327106560269991},{"text":"I haven't I haven't gone through completely, so I'm just trying to go through it and","start":396.26,"end":399.72,"sentiment":"neutral","sentiment_score":-0.050905333599075675}],"sentiment":"neutral","sentiment_score":-0.04501044037549392,"channel":1,"num_words":23,"start":394.74,"end":399.72},{"sentences":[{"text":"Yeah.","start":399.815,"end":400.055,"sentiment":"neutral","sentiment_score":0.07546353340148926},{"text":"I'll run through the the document there with you.","start":400.055,"end":402.375,"sentiment":"neutral","sentiment_score":0.15945675472418466},{"text":"Obviously, I just wanted to see if you had any questions before we jump into it.","start":402.375,"end":405.655,"sentiment":"neutral","sentiment_score":0.13698597298935056},{"text":"I'll run through, do a bit of a brief overview of everything, give you the key points, and then you can have some time to go away, take it away, and have a read through everything and see if you were happy with it or not.","start":405.655,"end":414.76,"sentiment":"neutral","sentiment_score":0.22626715072471162}],"sentiment":"neutral","sentiment_score":0.19598109482063186,"channel":0,"num_words":72,"start":399.815,"end":414.76},{"sentences":[{"text":"Yeah.","start":416.26,"end":416.5,"sentiment":"neutral","sentiment_score":0.2793680429458618},{"text":"Sure.","start":416.5,"end":417.0,"sentiment":"positive","sentiment_score":0.35544201731681824}],"sentiment":"neutral","sentiment_score":0.31740503013134,"channel":1,"num_words":2,"start":416.26,"end":417.0},{"sentences":[{"text":"No problem.","start":417.7,"end":418.34003,"sentiment":"positive","sentiment_score":0.39857397973537445},{"text":"So on page seven there, you'll have just your general information.","start":418.58002,"end":421.72,"sentiment":"neutral","sentiment_score":0.31235408918424085},{"text":"So feel free to look over that and make sure it is all correct.","start":422.26,"end":425.08002,"sentiment":"positive","sentiment_score":0.3534539703811918},{"text":"On the page after that, you will have those assets and liabilities.","start":425.565,"end":428.065,"sentiment":"neutral","sentiment_score":0.10396129079163074},{"text":"As I said, it will be slightly different just because you said you have consolidated that motor vehicle debt and put that on the home loan.","start":428.125,"end":434.465,"sentiment":"neutral","sentiment_score":-0.009491401079755563}],"sentiment":"neutral","sentiment_score":0.15664857826553857,"channel":0,"num_words":65,"start":417.7,"end":434.465},{"sentences":[{"text":"Yep.","start":434.63498,"end":435.13498,"sentiment":"neutral","sentiment_score":0.19599628448486328}],"sentiment":"neutral","sentiment_score":0.19599628448486328,"channel":1,"num_words":1,"start":434.63498,"end":435.13498},{"sentences":[{"text":"Now in regards to the page nine there, you will see current 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specific.","start":471.295,"end":472.115,"sentiment":"neutral","sentiment_score":-0.0342559888958931}],"sentiment":"neutral","sentiment_score":-0.02669564401730895,"channel":1,"num_words":4,"start":470.495,"end":472.115},{"sentences":[{"text":"Yep.","start":473.57,"end":473.97,"sentiment":"neutral","sentiment_score":0.12851545214653015},{"text":"Not a problem at all.","start":473.97,"end":475.27002,"sentiment":"positive","sentiment_score":0.3515367329120636},{"text":"Now with the actual recommendation itself there, so we obviously reviewed both your superannuation plan you currently hold, Hub twenty four as well and see which one is performing better.","start":475.57,"end":487.015,"sentiment":"neutral","sentiment_score":0.2655630650619666},{"text":"We also considered a couple other retail platforms just to see in comparative to, like, pricing if Hub twenty four was still, like, a good competitive market alternative.","start":487.015,"end":495.49,"sentiment":"neutral","sentiment_score":0.3066679798066616},{"text":"Now within regards to reviewing all that, it's just looking like at the moment, given the performance you are getting at your Hub twenty four, given the service you do get by having an adviser to be able to tailor those solutions and strategies to you with that platform, it would be still favorable for you to maintain that Hub 24 platform and consolidate your ANZ super.","start":496.03,"end":514.65497,"sentiment":"positive","sentiment_score":0.4086108866022594}],"sentiment":"positive","sentiment_score":0.349745984011479,"channel":0,"num_words":131,"start":473.57,"end":514.65497},{"sentences":[{"text":"Okay.","start":515.17,"end":515.67,"sentiment":"neutral","sentiment_score":0.16999684274196625}],"sentiment":"neutral","sentiment_score":0.16999684274196625,"channel":1,"num_words":1,"start":515.17,"end":515.67},{"sentences":[{"text":"Yeah.","start":515.355,"end":515.855,"sentiment":"neutral","sentiment_score":-0.03474108874797821},{"text":"Upon reviewing your ANZ super account, we're deferring that you didn't get any, like, employer related benefits from that and justify retaining that or having a second fund for the point of that.","start":516.15497,"end":525.58,"sentiment":"neutral","sentiment_score":-0.22819824878013495}],"sentiment":"neutral","sentiment_score":-0.22250833230860093,"channel":0,"num_words":34,"start":515.355,"end":525.58},{"sentences":[{"text":"Yeah.","start":525.905,"end":526.405,"sentiment":"neutral","sentiment_score":-0.1103219911456108}],"sentiment":"neutral","sentiment_score":-0.1103219911456108,"channel":1,"num_words":1,"start":525.905,"end":526.405},{"sentences":[{"text":"Now with that, having the the cost investment wise, it is quite expensive and then the performance that they were getting in compare in comparison to your hub twenty four.","start":526.28,"end":536.14,"sentiment":"neutral","sentiment_score":-0.19788126274943352},{"text":"Now by transitioning to Hub twenty four, you have all your funds consolidated.","start":537.575,"end":541.735,"sentiment":"neutral","sentiment_score":0.267221474303649},{"text":"You don't have the two platforms, so that reduces the administration costs.","start":541.735,"end":545.275,"sentiment":"neutral","sentiment_score":0.30852578580379486},{"text":"And then with that one there as well, you do have more tailorability to your investment portfolio and future strategies there as well.","start":545.655,"end":551.85,"sentiment":"neutral","sentiment_score":0.2975666283265404}],"sentiment":"neutral","sentiment_score":0.10363824570026153,"channel":0,"num_words":78,"start":526.28,"end":551.85},{"sentences":[{"text":"Okay.","start":552.315,"end":552.815,"sentiment":"neutral","sentiment_score":0.06679582595825195}],"sentiment":"neutral","sentiment_score":0.06679582595825195,"channel":1,"num_words":1,"start":552.315,"end":552.815},{"sentences":[{"text":"Yeah.","start":553.85,"end":554.35,"sentiment":"neutral","sentiment_score":0.05751531571149826},{"text":"Have you sort of had a play around much on your Hub twenty four since we've had our discussions?","start":554.41,"end":559.05,"sentiment":"neutral","sentiment_score":0.04964434786846763},{"text":"Do you have","start":559.05,"end":559.61,"sentiment":"neutral","sentiment_score":-0.011761830498774847}],"sentiment":"neutral","sentiment_score":0.04197706233548081,"channel":0,"num_words":23,"start":553.85,"end":559.61},{"sentences":[{"text":"No.","start":559.52997,"end":560.02997,"sentiment":"neutral","sentiment_score":-0.04692003130912781}],"sentiment":"neutral","sentiment_score":-0.04692003130912781,"channel":1,"num_words":1,"start":559.52997,"end":560.02997},{"sentences":[{"text":"any concerns or questions in regards","start":559.61,"end":561.29,"sentiment":"neutral","sentiment_score":-0.12563587352633476}],"sentiment":"neutral","sentiment_score":-0.12563587352633476,"channel":0,"num_words":6,"start":559.61,"end":561.29},{"sentences":[{"text":"No.","start":560.89,"end":561.39,"sentiment":"neutral","sentiment_score":-0.20214465260505676}],"sentiment":"neutral","sentiment_score":-0.20214465260505676,"channel":1,"num_words":1,"start":560.89,"end":561.39},{"sentences":[{"text":"to that?","start":561.29,"end":561.94995,"sentiment":"neutral","sentiment_score":-0.14754828065633774}],"sentiment":"neutral","sentiment_score":-0.14754828065633774,"channel":0,"num_words":2,"start":561.29,"end":561.94995},{"sentences":[{"text":"No.","start":561.45,"end":561.85,"sentiment":"neutral","sentiment_score":-0.18662315607070923},{"text":"I haven't yet.","start":561.85,"end":562.91,"sentiment":"neutral","sentiment_score":-0.21358615656693777}],"sentiment":"neutral","sentiment_score":-0.20684540644288063,"channel":1,"num_words":4,"start":561.45,"end":562.91},{"sentences":[{"text":"Yeah.","start":563.29,"end":563.52997,"sentiment":"neutral","sentiment_score":-0.055290911346673965},{"text":"No.","start":563.52997,"end":563.76996,"sentiment":"neutral","sentiment_score":-0.08109042793512344},{"text":"That's perfectly 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30","start":565.13,"end":580.615,"sentiment":"neutral","sentiment_score":0.001709422272806232}],"sentiment":"neutral","sentiment_score":0.001709422272806232,"channel":1,"num_words":37,"start":565.13,"end":580.615},{"sentences":[{"text":"Which","start":580.54,"end":580.94,"sentiment":"neutral","sentiment_score":-0.01072864793241024}],"sentiment":"neutral","sentiment_score":-0.01072864793241024,"channel":0,"num_words":1,"start":580.54,"end":580.94},{"sentences":[{"text":"7%.","start":580.615,"end":581.435,"sentiment":"neutral","sentiment_score":-0.021408414468169212}],"sentiment":"neutral","sentiment_score":-0.021408414468169212,"channel":1,"num_words":1,"start":580.615,"end":581.435},{"sentences":[{"text":"page 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recommended portfolio, you'll be able to see that on page 17.","start":627.03503,"end":636.04,"sentiment":"neutral","sentiment_score":0.07129283094157775},{"text":"So","start":636.5,"end":636.74,"sentiment":"neutral","sentiment_score":0.06454947590827942}],"sentiment":"neutral","sentiment_score":0.051648287723461785,"channel":0,"num_words":24,"start":623.10504,"end":636.74},{"sentences":[{"text":"Yeah.","start":636.73505,"end":637.23505,"sentiment":"neutral","sentiment_score":0.03848195821046829}],"sentiment":"neutral","sentiment_score":0.03848195821046829,"channel":1,"num_words":1,"start":636.73505,"end":637.23505},{"sentences":[{"text":"currently, you have two managed funds.","start":636.74,"end":638.66,"sentiment":"neutral","sentiment_score":-0.04054659294585387},{"text":"So you got ClearBridge Rare Infrastructure, which has been doing alright, and then also the Benelong Australian Equities, which is around that 10% mark, which hasn't done great at all.","start":638.66,"end":647.315,"sentiment":"neutral","sentiment_score":-0.11170948073267936},{"text":"It's down that 20% over the year, given that everything has happened with the underlying investment and then also what happened with the war as well.","start":647.315,"end":654.6,"sentiment":"neutral","sentiment_score":-0.285885017651778},{"text":"And that's in Australian equities.","start":655.0,"end":656.54,"sentiment":"neutral","sentiment_score":-0.15379931330680846},{"text":"And then also, you do have, like, agriculture, some physical gold, and then also some cybersecurity in there as well, and then your key holdings being, like, the the S and P five hundred.","start":657.16,"end":667.5,"sentiment":"neutral","sentiment_score":0.013056243057636654}],"sentiment":"neutral","sentiment_score":-0.11240256179382305,"channel":0,"num_words":101,"start":636.74,"end":667.5},{"sentences":[{"text":"Now in regards to that one, the portfolio we're recommending moving forward still maintains some key holdings there as a part of that, so it reduces the capital gains.","start":668.945,"end":677.82495,"sentiment":"neutral","sentiment_score":0.009639366561996526},{"text":"So you still have a nice key holding in the s and p five hundred even with America And how things are going, you still have an allocation of cybersecurity and a physical gold.","start":677.82495,"end":687.41,"sentiment":"neutral","sentiment_score":0.29793715498903217},{"text":"The newer investments that will be going into that one, you'll be transitioning away from where you're currently in in the Australian market to the 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still see it as still being a viable investment for the long term,","start":729.165,"end":733.02496,"sentiment":"neutral","sentiment_score":0.2717789262533188}],"sentiment":"neutral","sentiment_score":0.06190798311464248,"channel":0,"num_words":31,"start":723.43,"end":733.02496},{"sentences":[{"text":"Yeah.","start":733.48,"end":733.63995,"sentiment":"neutral","sentiment_score":0.1696893870830536},{"text":"Yeah.","start":733.63995,"end":734.13995,"sentiment":"neutral","sentiment_score":0.16202974319458008}],"sentiment":"neutral","sentiment_score":0.16585956513881683,"channel":1,"num_words":2,"start":733.48,"end":734.13995},{"sentences":[{"text":"if that makes 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gone down and the the shares better shares, it's not that significant drop anyway.","start":737.87994,"end":751.105,"sentiment":"neutral","sentiment_score":-0.08217766229063272},{"text":"So is it something that we will review this and look at the investments, or this is the same investments that we will carry on continue?","start":751.48,"end":760.14,"sentiment":"neutral","sentiment_score":-0.006055868159119899}],"sentiment":"neutral","sentiment_score":-0.045526428079163586,"channel":1,"num_words":54,"start":737.87994,"end":760.14},{"sentences":[{"text":"No.","start":760.875,"end":761.11505,"sentiment":"neutral","sentiment_score":-0.11760587990283966},{"text":"So on that with that on page 17 there, that's an update to ones that are going and ones that are go being bought.","start":761.11505,"end":768.22,"sentiment":"neutral","sentiment_score":-0.032993620222744845},{"text":"You'll","start":768.6,"end":768.83997,"sentiment":"neutral","sentiment_score":0.06797192990779877}],"sentiment":"neutral","sentiment_score":-0.032364647513112195,"channel":0,"num_words":26,"start":760.875,"end":768.83997},{"sentences":[{"text":"Yeah.","start":768.66504,"end":769.16504,"sentiment":"neutral","sentiment_score":0.10843481123447418}],"sentiment":"neutral","sentiment_score":0.10843481123447418,"channel":1,"num_words":1,"start":768.66504,"end":769.16504},{"sentences":[{"text":"be able to see that there will be a rebalance.","start":768.83997,"end":770.62,"sentiment":"neutral","sentiment_score":0.05672269305214286},{"text":"You will be getting rid of some of your physical gold because you do have a bit of an over allocation of that for how well it has done over the past couple years and then still having a key holding of that.","start":770.75995,"end":780.175,"sentiment":"neutral","sentiment_score":-0.05492642132002254},{"text":"You'll also be doing a bit of a a rebalance there of the cybersecurity side of things, and then you'll be switching your allocation from where you are in the Australian market between Bennelong and then the Raffi index that you're currently in, which is sort of similar to the Australian 200 beta shares, but it's calculated a little bit differently as an index.","start":780.175,"end":799.09,"sentiment":"neutral","sentiment_score":0.07849668810376897},{"text":"And you'll be moving to that beta shares 200.","start":799.39,"end":801.95,"sentiment":"neutral","sentiment_score":0.021962272831135325},{"text":"And then with that, you'll be moving away from bank hybrids, which are getting phased out.","start":801.95,"end":807.025,"sentiment":"neutral","sentiment_score":-0.0482259239843188}],"sentiment":"neutral","sentiment_score":0.018698764254456275,"channel":0,"num_words":142,"start":768.83997,"end":807.025},{"sentences":[{"text":"You'll be moving away from agriculture at the moment, the food, and then having that allocation across those different geographical locations, which will encompass different industries being in those exchange traded funds, if that makes 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those.","start":1795.555,"end":1801.875,"sentiment":"neutral","sentiment_score":0.04857889749109745},{"text":"We're just looking at keeping everything the same.","start":1801.875,"end":1803.8151,"sentiment":"neutral","sentiment_score":0.20893800631165504},{"text":"In future, you know, if your health's still well and nothing has changed and anything does pop up, we can look at rewriting the policy for, like, the exact same amount of cover a little bit less depending on what your needs currently are just to sort of review for market cost.","start":1803.875,"end":1816.98,"sentiment":"neutral","sentiment_score":0.0657187664272407}],"sentiment":"neutral","sentiment_score":0.11121286102570593,"channel":0,"num_words":100,"start":1789.64,"end":1816.98},{"sentences":[{"text":"But currently, it's still comparative in the market, still quite competitive for the amount of cover that you do hold there already.","start":1816.98,"end":1822.84,"sentiment":"neutral","sentiment_score":0.25818453627553856}],"sentiment":"neutral","sentiment_score":0.25818453627553856,"channel":0,"num_words":22,"start":1816.98,"end":1822.84},{"sentences":[{"text":"Okay.","start":1823.46,"end":1823.955,"sentiment":"neutral","sentiment_score":0.00977218896150589}],"sentiment":"neutral","sentiment_score":0.00977218896150589,"channel":1,"num_words":1,"start":1823.46,"end":1823.955},{"sentences":[{"text":"And then we're recommending getting rid of that live PVD and IP with the ANZ account.","start":1823.525,"end":1830.005,"sentiment":"neutral","sentiment_score":-0.09602109948173165},{"text":"As I said, it is group cover.","start":1830.005,"end":1831.445,"sentiment":"neutral","sentiment_score":-0.005557445543152946},{"text":"If it predated any conditions, we might potentially look at keeping it and retaining it.","start":1831.445,"end":1835.64,"sentiment":"neutral","sentiment_score":-0.03392941877245903},{"text":"But given, you know, you don't have any health conditions currently, then there's no reason that we should sort of retain that just for the insurance purposes when you do have adequate cover with pal, if that makes sense.","start":1836.12,"end":1846.06,"sentiment":"neutral","sentiment_score":-0.03846060814192662}],"sentiment":"neutral","sentiment_score":-0.04654733389132209,"channel":0,"num_words":77,"start":1823.525,"end":1846.06},{"sentences":[{"text":"Yep.","start":1846.1001,"end":1846.5,"sentiment":"positive","sentiment_score":0.36104369163513184},{"text":"All 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all.","start":1858.935,"end":1870.35,"sentiment":"neutral","sentiment_score":0.1573871846653913},{"text":"Obviously, it does affect your superannual balance and the growth over the long term.","start":1870.89,"end":1874.99,"sentiment":"neutral","sentiment_score":-0.0674440051828112}],"sentiment":"positive","sentiment_score":0.3768619943240827,"channel":0,"num_words":88,"start":1848.2151,"end":1874.99},{"sentences":[{"text":"But in saying that, we do review it regularly to make sure it's not eating away too much at your retirement goals.","start":1875.05,"end":1879.985,"sentiment":"neutral","sentiment_score":-0.10608888891610233},{"text":"And then, obviously, having that cover if they that anything did happen given, you know, the the family, you two two kids, and then the your partner with the level of debt you have, you'd wanna sort of make sure that they were well taken care 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it's obviously already underwritten.","start":1909.0349,"end":1911.0549,"sentiment":"neutral","sentiment_score":0.01273141847923398},{"text":"We did look at potentially retaining both policies, but it comes at quite a cost both in","start":1911.835,"end":1916.395,"sentiment":"neutral","sentiment_score":-0.1352958850124303}],"sentiment":"neutral","sentiment_score":-0.0927935802861105,"channel":0,"num_words":79,"start":1894.61,"end":1916.395},{"sentences":[{"text":"Yep.","start":1916.395,"end":1916.895,"sentiment":"neutral","sentiment_score":-0.1236545667052269}],"sentiment":"neutral","sentiment_score":-0.1236545667052269,"channel":1,"num_words":1,"start":1916.395,"end":1916.895},{"sentences":[{"text":"having two two funds and then two insurances.","start":1916.395,"end":1919.215,"sentiment":"neutral","sentiment_score":-0.13593357615172863},{"text":"And then also the administration with that and the premiums that you're paying, that would just eat away at your retirement savings.","start":1919.275,"end":1924.56,"sentiment":"neutral","sentiment_score":-0.30791073631156574},{"text":"And then we looked at obviously not having insurances there, but obviously that would leave you significantly at risk and under protected given your current lifestyle and family arrangements.","start":1925.26,"end":1934.0801,"sentiment":"neutral","sentiment_score":-0.2663731076594057}],"sentiment":"neutral","sentiment_score":-0.2641749988167973,"channel":0,"num_words":59,"start":1916.395,"end":1934.0801},{"sentences":[{"text":"Yep.","start":1934.55,"end":1934.87,"sentiment":"neutral","sentiment_score":0.01751795969903469},{"text":"Yep.","start":1934.87,"end":1935.27,"sentiment":"neutral","sentiment_score":0.04651733860373497},{"text":"All good.","start":1935.27,"end":1936.01,"sentiment":"neutral","sentiment_score":0.2549379914999008}],"sentiment":"neutral","sentiment_score":0.14347782032564282,"channel":1,"num_words":4,"start":1934.55,"end":1936.01},{"sentences":[{"text":"As far as the ongoing fees, we do get obviously the 1.65% of the the balance.","start":1936.8049,"end":1942.1649,"sentiment":"neutral","sentiment_score":-0.011164829251356423},{"text":"Now within regards to that one, it is around 2,123.","start":1942.1649,"end":1946.1649,"sentiment":"neutral","sentiment_score":0.005875561852008104},{"text":"Now with the ongoing service agreement, that's sort of what it'll roughly be as well because it's based on your current balance and growth.","start":1946.1649,"end":1951.4801,"sentiment":"neutral","sentiment_score":0.05228004309659203},{"text":"Out of that over a twelve month period, obviously, if the market still stay a bit stagnant with the war, that'll change slightly because it is a monthly figure that does come out.","start":1951.54,"end":1958.9,"sentiment":"neutral","sentiment_score":-0.0537932025776668},{"text":"And then we do get 22% of the ongoing premium of the insurance policy that you do pay just for maintaining that policy with the 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makes","start":1999.275,"end":2003.755,"sentiment":"neutral","sentiment_score":-0.009227829766185844}],"sentiment":"neutral","sentiment_score":0.027566774961460067,"channel":0,"num_words":83,"start":1980.75,"end":2003.755},{"sentences":[{"text":"Yeah.","start":2003.5651,"end":2004.0651,"sentiment":"neutral","sentiment_score":0.03915080055594444}],"sentiment":"neutral","sentiment_score":0.03915080055594444,"channel":1,"num_words":1,"start":2003.5651,"end":2004.0651},{"sentences":[{"text":"sense.","start":2003.755,"end":2004.24,"sentiment":"neutral","sentiment_score":0.04704705998301506},{"text":"And","start":2004.32,"end":2004.5599,"sentiment":"neutral","sentiment_score":0.1186375543475151}],"sentiment":"neutral","sentiment_score":0.08284230716526508,"channel":0,"num_words":2,"start":2003.755,"end":2004.5599},{"sentences":[{"text":"All","start":2004.365,"end":2004.605,"sentiment":"neutral","sentiment_score":0.2990018427371979}],"sentiment":"neutral","sentiment_score":0.2990018427371979,"channel":1,"num_words":1,"start":2004.365,"end":2004.605},{"sentences":[{"text":"then","start":2004.5599,"end":2004.72,"sentiment":"neutral","sentiment_score":0.31147801876068115}],"sentiment":"neutral","sentiment_score":0.31147801876068115,"channel":0,"num_words":1,"start":2004.5599,"end":2004.72},{"sentences":[{"text":"good.","start":2004.605,"end":2005.105,"sentiment":"positive","sentiment_score":0.3781259059906006}],"sentiment":"positive","sentiment_score":0.3781259059906006,"channel":1,"num_words":1,"start":2004.605,"end":2005.105},{"sentences":[{"text":"I hope you would do the investment update.","start":2004.72,"end":2007.14,"sentiment":"neutral","sentiment_score":0.306027315557003},{"text":"But do you have any questions in regards to ongoing service, the ongoing service agreement, or your past sort of twelve months or anything like that, Harsh?","start":2007.44,"end":2013.6,"sentiment":"neutral","sentiment_score":0.014537971811713997},{"text":"I know I've had","start":2013.6,"end":2014.16,"sentiment":"neutral","sentiment_score":-0.033221985679119825}],"sentiment":"neutral","sentiment_score":0.06943220052963649,"channel":0,"num_words":39,"start":2004.72,"end":2014.16},{"sentences":[{"text":"No.","start":2014.14,"end":2014.38,"sentiment":"neutral","sentiment_score":-0.10882187634706496}],"sentiment":"neutral","sentiment_score":-0.10882187634706496,"channel":1,"num_words":1,"start":2014.14,"end":2014.38},{"sentences":[{"text":"a 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there.","start":2015.26,"end":2017.74,"sentiment":"neutral","sentiment_score":0.06104105077683926},{"text":"Right?","start":2017.74,"end":2018.06,"sentiment":"neutral","sentiment_score":0.02502589486539364},{"text":"There's no changes in the","start":2018.06,"end":2019.27,"sentiment":"neutral","sentiment_score":-0.03641926757991314}],"sentiment":"neutral","sentiment_score":0.04434413053095341,"channel":1,"num_words":20,"start":2014.54,"end":2019.27},{"sentences":[{"text":"In regards to what from when we've previously spoken?","start":2021.135,"end":2024.755,"sentiment":"neutral","sentiment_score":-0.021399200997418828}],"sentiment":"neutral","sentiment_score":-0.021399200997418828,"channel":0,"num_words":9,"start":2021.135,"end":2024.755},{"sentences":[{"text":"yeah.","start":2025.455,"end":2025.775,"sentiment":"neutral","sentiment_score":-0.01506906934082508},{"text":"I mean, the the the recurring the fees.","start":2025.775,"end":2029.875,"sentiment":"neutral","sentiment_score":-0.03920330200344324}],"sentiment":"neutral","sentiment_score":-0.03652172059648567,"channel":1,"num_words":9,"start":2025.455,"end":2029.875},{"sentences":[{"text":"No.","start":2031.0701,"end":2031.23,"sentiment":"neutral","sentiment_score":-0.0957082062959671},{"text":"It's still 1.65.","start":2031.23,"end":2032.35,"sentiment":"neutral","sentiment_score":-0.07514889910817146},{"text":"Yeah.","start":2032.35,"end":2032.59,"sentiment":"neutral","sentiment_score":0.014883311465382576},{"text":"They've always been $1.06 point 0.65.","start":2032.59,"end":2034.51,"sentiment":"neutral","sentiment_score":0.007073894634838022},{"text":"Obviously, if your balance grows, it will grow.","start":2034.51,"end":2037.31,"sentiment":"neutral","sentiment_score":0.014994938159361482}],"sentiment":"neutral","sentiment_score":-0.007572037845851523,"channel":0,"num_words":19,"start":2031.0701,"end":2037.31},{"sentences":[{"text":"So with no more funds coming under management, the adviser fee will go up because we'll have more funds under management there.","start":2037.31,"end":2042.43,"sentiment":"neutral","sentiment_score":-0.041250712322917854},{"text":"But in terms of, like, the percentage base and how that's charged, that's all the","start":2042.43,"end":2045.9451,"sentiment":"neutral","sentiment_score":0.0167100061972936}],"sentiment":"neutral","sentiment_score":-0.01775312373364294,"channel":0,"num_words":37,"start":2037.31,"end":2045.9451},{"sentences":[{"text":"Yeah.","start":2046.33,"end":2046.6499,"sentiment":"neutral","sentiment_score":0.10486733168363573},{"text":"Yeah.","start":2046.6499,"end":2046.97,"sentiment":"neutral","sentiment_score":0.17145974934101105},{"text":"Okay.","start":2046.97,"end":2047.2899,"sentiment":"positive","sentiment_score":0.33340394496917725},{"text":"All good.","start":2047.2899,"end":2048.0298,"sentiment":"positive","sentiment_score":0.5987527370452881}],"sentiment":"positive","sentiment_score":0.36144730001688,"channel":1,"num_words":5,"start":2046.33,"end":2048.0298},{"sentences":[{"text":"same.","start":2047.685,"end":2048.185,"sentiment":"positive","sentiment_score":0.445126473903656},{"text":"Not a problem.","start":2048.485,"end":2049.125,"sentiment":"positive","sentiment_score":0.3721132278442383},{"text":"Do you have any it is quite straightforward, that advice fee there, Harish.","start":2049.125,"end":2052.245,"sentiment":"neutral","sentiment_score":0.2507600337266922},{"text":"Do you have any questions or any concerns in regards to that?","start":2052.245,"end":2054.565,"sentiment":"neutral","sentiment_score":0.06986714558055003},{"text":"Or","start":2054.565,"end":2055.065,"sentiment":"neutral","sentiment_score":0.02104995772242546}],"sentiment":"neutral","sentiment_score":0.1893600766857465,"channel":0,"num_words":30,"start":2047.685,"end":2055.065},{"sentences":[{"text":"No.","start":2055.465,"end":2055.625,"sentiment":"neutral","sentiment_score":-0.05908794328570366},{"text":"I I don't have it at this stage, but let me go through that that document again.","start":2055.625,"end":2059.485,"sentiment":"neutral","sentiment_score":-0.009931108969099382},{"text":"I do have already signed because I know the on the from the top, it's it it it looks all good.","start":2059.7852,"end":2064.24,"sentiment":"positive","sentiment_score":0.43871896465619403}],"sentiment":"neutral","sentiment_score":0.23038926825691491,"channel":1,"num_words":39,"start":2055.465,"end":2064.24},{"sentences":[{"text":"Yep.","start":2064.58,"end":2065.08,"sentiment":"neutral","sentiment_score":0.25986555218696594}],"sentiment":"neutral","sentiment_score":0.25986555218696594,"channel":0,"num_words":1,"start":2064.58,"end":2065.08},{"sentences":[{"text":"And if there is anything any particular question, I'll I'll come back.","start":2064.72,"end":2067.7,"sentiment":"neutral","sentiment_score":0.14744487466911474}],"sentiment":"neutral","sentiment_score":0.14744487466911474,"channel":1,"num_words":12,"start":2064.72,"end":2067.7},{"sentences":[{"text":"Not a problem at all.","start":2068.035,"end":2068.835,"sentiment":"neutral","sentiment_score":0.29755924344062806},{"text":"Just, yeah, ring up.","start":2068.835,"end":2069.795,"sentiment":"neutral","sentiment_score":0.1748327612876892},{"text":"And, obviously, if I'm free, I'll take the call.","start":2069.795,"end":2071.395,"sentiment":"neutral","sentiment_score":0.1729244606362449},{"text":"If not, I'll get you booked back in or shoot shoot an email through.","start":2071.395,"end":2074.4348,"sentiment":"neutral","sentiment_score":0.11100222755755697},{"text":"But, otherwise, I'll leave it in your hands, have a review of that, and come back with any other questions you may have there, Harsh.","start":2074.4348,"end":2079.075,"sentiment":"neutral","sentiment_score":0.19313820533454418}],"sentiment":"neutral","sentiment_score":0.17764796012718426,"channel":0,"num_words":57,"start":2068.035,"end":2079.075},{"sentences":[{"text":"But I won't take up any more of your morning.","start":2079.075,"end":2080.835,"sentiment":"negative","sentiment_score":-0.3958098143339157},{"text":"I'll let you get back to it.","start":2080.835,"end":2082.18,"sentiment":"neutral","sentiment_score":0.06932947199259486}],"sentiment":"neutral","sentiment_score":-0.20428187290535255,"channel":0,"num_words":17,"start":2079.075,"end":2082.18},{"sentences":[{"text":"Yep.","start":2081.9949,"end":2082.4949,"sentiment":"neutral","sentiment_score":0.15496546030044556},{"text":"Yep.","start":2082.635,"end":2082.875,"sentiment":"neutral","sentiment_score":0.2005247324705124},{"text":"All good.","start":2082.875,"end":2083.4348,"sentiment":"positive","sentiment_score":0.5693827569484711},{"text":"Thanks.","start":2083.4348,"end":2083.835,"sentiment":"positive","sentiment_score":0.6827918887138367},{"text":"Thanks, Kyle.","start":2083.835,"end":2084.7349,"sentiment":"positive","sentiment_score":0.7073552012443542}],"sentiment":"positive","sentiment_score":0.5131082854100636,"channel":1,"num_words":7,"start":2081.9949,"end":2084.7349},{"sentences":[{"text":"No problem, Harsh.","start":2084.9,"end":2085.6199,"sentiment":"positive","sentiment_score":0.658318301041921},{"text":"You enjoy the rest of your day.","start":2085.6199,"end":2086.42,"sentiment":"positive","sentiment_score":0.7976526958601815},{"text":"Thanks for your time 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yeah.","start":2087.94,"end":2088.76,"sentiment":"positive","sentiment_score":0.4296448081731796},{"text":"Perfect.","start":2088.8198,"end":2089.3,"sentiment":"positive","sentiment_score":0.6894209384918213}],"sentiment":"positive","sentiment_score":0.5162368516127268,"channel":0,"num_words":3,"start":2087.94,"end":2089.3},{"sentences":[{"text":"Yep.","start":2089.035,"end":2089.275,"sentiment":"positive","sentiment_score":0.3997516632080078},{"text":"Thank","start":2089.275,"end":2089.515,"sentiment":"positive","sentiment_score":0.7083647847175598}],"sentiment":"positive","sentiment_score":0.5540582239627838,"channel":1,"num_words":2,"start":2089.035,"end":2089.515},{"sentences":[{"text":"Alright.","start":2089.3,"end":2089.46,"sentiment":"positive","sentiment_score":0.6512115001678467},{"text":"Have","start":2089.46,"end":2089.6199,"sentiment":"positive","sentiment_score":0.6487781405448914}],"sentiment":"positive","sentiment_score":0.649994820356369,"channel":0,"num_words":2,"start":2089.3,"end":2089.6199},{"sentences":[{"text":"you.","start":2089.515,"end":2090.015,"sentiment":"positive","sentiment_score":0.6545625925064087}],"sentiment":"positive","sentiment_score":0.6545625925064087,"channel":1,"num_words":1,"start":2089.515,"end":2090.015},{"sentences":[{"text":"a good one.","start":2089.6199,"end":2090.02,"sentiment":"positive","sentiment_score":0.6668207844098409},{"text":"Thanks, Harsh.","start":2090.02,"end":2090.5,"sentiment":"positive","sentiment_score":0.6827118396759033},{"text":"Bye.","start":2090.5,"end":2091.0,"sentiment":"neutral","sentiment_score":-0.06943207234144211}],"sentiment":"positive","sentiment_score":0.5494089933733145,"channel":0,"num_words":6,"start":2089.6199,"end":2091.0}]},"summary":{"result":"success","short":"During a call with HP Financial, the representative discusses the customer's assets and liabilities, home loan debt, and estate planning. They recommend rolling over the ANZ superann pivot and retaining investment in the underlying investment. The speaker emphasizes the importance of reviewing risk profiles and recommends a growth portfolio moving forward. They also discuss the benefits of transitioning to the Hub 24 platform and the importance of maintaining a healthy lifestyle and family arrangements to reduce risk. The recommended investment is in gold, and the speaker emphasizes the importance of referring clients to the speaker's partner program. The annual fee is discussed and the speaker provides advice on canceling the policy and signing up for the full rollout."},"intents":{"segments":[{"text":"I've had you scheduled in for your statement of advice presentation. Yes. Yeah.","start_word":25,"end_word":37,"intents":[{"intent":"Schedule statement of advice","confidence_score":0.3495642}]},{"text":"Just to get started on that one, Harsh, if I could just pass through security, just that name, date of birth, and current address for me, please? Start with the name.","start_word":53,"end_word":83,"intents":[{"intent":"Pass through security","confidence_score":0.8880231}]},{"text":"Thanks for confirming today, Harsh. Now I know when you spoke to my colleague on the phone that you did update just a few details just in regards to your assets and liabilities there.","start_word":150,"end_word":183,"intents":[{"intent":"Update details","confidence_score":0.29952782}]},{"text":"Did you redraw on your mortgage to sort of look at renovating? Or Yes. Yeah.","start_word":193,"end_word":207,"intents":[{"intent":"Redraw mortgage","confidence_score":0.41683134}]},{"text":"You do have access to the mortgage brokers here. Well, if you do wanna, obviously, you know, get a second opinion from the one you currently have or just in anyone in general, we can pass along those details if you do wanna look at refinancing once that is done. Yeah.","start_word":268,"end_word":318,"intents":[{"intent":"Refer to mortgage brokers","confidence_score":0.00029451126}]},{"text":"So you've got a debt value of around $8.50 on the home loan, and that's your entire debt. You wiped the 55 from the cars as well? Yes.","start_word":489,"end_word":516,"intents":[{"intent":"Update debt information","confidence_score":0.11401728}]},{"text":"to that, it still takes an account best interest, Judy, trying to put you in a better position for you currently at even though your original adviser obviously was with us. And then from there, we're just constantly trying to put you in a better position by updating that advice as well.","start_word":935,"end_word":986,"intents":[{"intent":"Update advice","confidence_score":0.0024707601}]},{"text":"to review I'm I'm yeah. yeah. Going through it. Yeah.","start_word":1002,"end_word":1011,"intents":[{"intent":"Review document","confidence_score":0.3043692}]},{"text":"Now within regards to that, it was mainly around the superannuation and looking at the the insurances as well.","start_word":1052,"end_word":1070,"intents":[{"intent":"Discuss superannuation and insurances","confidence_score":0.19448857}]},{"text":"So main focus there is reviewing that superannuation, reviewing your insurances there, if that makes sense. Yeah.","start_word":1106,"end_word":1122,"intents":[{"intent":"Review finance and finance","confidence_score":0.0046973354}]},{"text":"Yeah.","start_word":1122,"end_word":1122,"intents":[{"intent":"Review estate planning","confidence_score":0.1854083}]},{"text":"Perfect.","start_word":1259,"end_word":1259,"intents":[{"intent":"Recommend ola lending","confidence_score":0.0047233524}]},{"text":"So quite simply there after the review, we're recommending that you roll over your ANZ superannuation fund to your hub twenty four superannuation fund and switch Mhmm.","start_word":1260,"end_word":1286,"intents":[{"intent":"Discuss investment fund and pension plan","confidence_score":5.7218205e-8}]},{"text":"So quite simply there after the review, we're recommending that you roll over your ANZ superannuation fund to your hub twenty four superannuation fund and switch Mhmm. your underlying investment there as a bit of an investment reset refresh. And then also just retaining that tower cover and canceling your ANZ group insurances there as well.","start_word":1260,"end_word":1315,"intents":[{"intent":"Discuss nz superannuation fund","confidence_score":0.0016147338}]},{"text":"Now before we jump into the document there, do you have any questions in regards to that?","start_word":1316,"end_word":1332,"intents":[{"intent":"Ask questions","confidence_score":0.023124224}]},{"text":"Now with the actual recommendation itself there, so we obviously reviewed both your superannuation plan you currently hold, Hub twenty four as well and see which one is performing better.","start_word":1633,"end_word":1662,"intents":[{"intent":"Evaluate platform performance","confidence_score":0.05498787}]},{"text":"Upon reviewing your ANZ super account, we're deferring that you didn't get any, like, employer related benefits from that and justify retaining that or having a second fund for the point of that.","start_word":1761,"end_word":1793,"intents":[{"intent":"Review anz super account","confidence_score":0.11699533}]},{"text":"Now with that, having the the cost investment wise, it is quite expensive and then the performance that they were getting in compare in comparison to your hub twenty four.","start_word":1794,"end_word":1823,"intents":[{"intent":"Compare performance","confidence_score":0.1609889}]},{"text":"Now by transitioning to Hub twenty four, you have all your funds consolidated. You don't have the two platforms, so that reduces the administration costs. And then with that one there as well, you do have more tailorability to your investment portfolio and future strategies there as well. Okay. Yeah.","start_word":1824,"end_word":1873,"intents":[{"intent":"Transition to hub twenty four","confidence_score":0.27986667}]},{"text":"And in regards to, like, how they sort of, like, split the idea up in terms of, like, the different classes So in the different areas yeah. Yeah. where it's yeah. So it's international equity. So looking at the current situation, is this well, is it something that we should review or is it that that's the strategy of going So it's forward? how they they balance their portfolios in terms of the diversification.","start_word":1994,"end_word":2067,"intents":[{"intent":"Discuss diversification strategy","confidence_score":0.006605901}]},{"text":"how they they balance their portfolios in terms of the diversification.","start_word":2057,"end_word":2067,"intents":[{"intent":"Discuss portfolio balance","confidence_score":0.038322583}]},{"text":"how they they balance their portfolios in terms of the diversification. So, recommended portfolio, you'll be able to see that on page 17. So Yeah.","start_word":2057,"end_word":2081,"intents":[{"intent":"Reflect on portfolios","confidence_score":0.00026535988}]},{"text":"So is it something that we will review this and look at the investments, or this is the same investments that we will carry on continue?","start_word":2437,"end_word":2462,"intents":[{"intent":"Analyze investment portfolio","confidence_score":0.13626347}]},{"text":"sustained long term growth. Since coming on board, I believe, after fees and everything like that, it's sitting up around 23% up even with the dip that did occur, which is Yep. still nice growth. Obviously, the more money you have in there, the better that can compound moving forward as well, and then you're reducing investment costs with that moving forward. Correct.","start_word":2727,"end_word":2789,"intents":[{"intent":"Analyze portfolio growth","confidence_score":0.0059905895}]},{"text":"So we're recommending that you retain your tel insurances there. So you do have the $2,000,000 of life and total permanent disability and then also the income protection for around 1,100 $11,741 as a monthly benefit for that. But in the and there is a on page 24, it says insurance to be replaced and canceled.","start_word":3007,"end_word":3062,"intents":[{"intent":"Recommend and optimize insurance coverage","confidence_score":0.000098400116}]},{"text":"it's just, if not more, comprehensive because it's already been underwritten versus that group policy that gets underwritten out or, like, assess at the time of claim, which means Yep. they still can can deny the claim. And you're paying $1,400 a year for for cover that doesn't meet your needs.","start_word":3288,"end_word":3338,"intents":[{"intent":"Evaluate policy coverage benefits","confidence_score":0.01031571}]},{"text":"with that in the back end and request that from Hub 24 platform itself.","start_word":3628,"end_word":3641,"intents":[{"intent":"Discuss platform options","confidence_score":0.003876847}]},{"text":"The main thing there would be to to, you know, finalize your renovations, make sure you're paying down that debt to get your equity back in your home, and even have your home potentially assessed with a a mortgage broker Yeah.","start_word":4338,"end_word":4378,"intents":[{"intent":"Finalize renovations","confidence_score":0.95054334}]},{"text":"seeing what the home value is and then obviously K. going from there.","start_word":4428,"end_word":4440,"intents":[{"intent":"Assess home value","confidence_score":0.52352923}]},{"text":"And then the main thing from there is obviously just focusing on, you know, making your payments, making any additional payments you do wanna do, sticking to your budget.","start_word":4441,"end_word":4469,"intents":[{"intent":"Focus on paying and making payments","confidence_score":0.0007199444}]},{"text":"And also, like, is it always a person dependent thing, or is it do you also have an option to merge the the Hub twenty four with the partner as well? Like like, if they are they are earning and and and I want to also get that investments together? Like, is that is that an option?","start_word":4566,"end_word":4622,"intents":[{"intent":"Merge investment with partner","confidence_score":0.010714938}]},{"text":"And and if if we want to take that and merge with the hub twenty four as a common account, is that something that we can is that is that an option so that So she also gets in the terms benefit?","start_word":4686,"end_word":4727,"intents":[{"intent":"Have a common account","confidence_score":0.015335259}]},{"text":"Now another benefit with they went with Hub twenty four, you wouldn't be able to merge the accounts and have the same, like, fund in a sense, but you can link the account through, like, family linking if they were recommended the hub 24 platform or if that's something that your partner wanted in terms of, like, simplicity and then also Yes. cost savings.","start_word":4758,"end_word":4821,"intents":[{"intent":"Explore options and benefits of a separate account","confidence_score":1.3540604e-7},{"intent":"Discuss insimplify the merged accounts and compare charges","confidence_score":3.556166e-11}]},{"text":"you on administration costs, but you'd still have your own separate account. You could have the Yep. same investment, so, technically, you'd be invested in the same things and things like that as well. The the difference is is they're still separate, that you just get a bit of fee savings, and then the reporting, you know, you can report individually on your individual accounts. Yeah.","start_word":4887,"end_word":4952,"intents":[{"intent":"Discuss the separate accounts","confidence_score":0.06240576}]},{"text":"The the difference is is they're still separate, that you just get a bit of fee savings, and then the reporting, you know, you can report individually on your individual accounts. Yeah. Yeah.","start_word":4921,"end_word":4953,"intents":[{"intent":"Clarify the difference between separate accounts and fees","confidence_score":0.0009288445}]},{"text":"So you can you know, if you want to refer your partner on, I believe the referral partner program is still going.","start_word":4982,"end_word":5003,"intents":[{"intent":"Consider referral to a partner","confidence_score":0.0000064398737}]},{"text":"So you can you know, if you want to refer your partner on, I believe the referral partner program is still going. So even if you referred your partner and she came on board, you can get, like, a $100 gift card if that's still running, Okay.","start_word":4982,"end_word":5028,"intents":[{"intent":"Discuss the cost savings and referral programs for referring partner","confidence_score":3.097879e-7}]},{"text":"So I'll I'll I'll discuss with with my wife and and see what what she's getting currently, the benefits from her current super, and then we can take Yeah.","start_word":5102,"end_word":5130,"intents":[{"intent":"Discuss with wife","confidence_score":0.5952573},{"intent":"Discuss financial benefits","confidence_score":0.00058972195},{"intent":"Discuss with wife","confidence_score":0.038901232}]},{"text":"Obviously, you've got the the financial services guide and Oakview services guide.","start_word":5132,"end_word":5143,"intents":[{"intent":"Provide financial services guide","confidence_score":0.05554169}]},{"text":"Obviously, you've got the the financial services guide and Oakview services guide. So feel free to have a look through that, see the services on offer that you do get a part of that.","start_word":5132,"end_word":5165,"intents":[{"intent":"Offer services","confidence_score":0.06045786}]},{"text":"No problem, Hush. As I was saying, though, there in regards to what we did consider, we did consider even just moving you back to ANZ due to, like, the past performance and then the cost with that one and the risk profile and the investment range you had.","start_word":5360,"end_word":5408,"intents":[{"intent":"Evaluate benefits of moving to anz","confidence_score":0.0003167996}]},{"text":"We just recommend you stick with the hub 24 and then Yes. stick with a more sort of tailored service for that longer term sort of mindset.","start_word":5409,"end_word":5435,"intents":[{"intent":"Recommend stay with hub twenty four","confidence_score":0.0007377695}]},{"text":"But if you take into account your actively managed fund Benelon that didn't perform well and the actively cleavage fund that did perform well, you're still at a tiny bit of a loss in terms of, like, active management.","start_word":5566,"end_word":5604,"intents":[{"intent":"Evaluate portfolio performance","confidence_score":0.06110316}]},{"text":"The the main thing there is you'll be saving on investment costs moving forward with the updated investment change.","start_word":5992,"end_word":6010,"intents":[{"intent":"Save money","confidence_score":0.0022541254}]},{"text":"And then we're recommending getting rid of that live PVD and IP with the ANZ account.","start_word":6192,"end_word":6207,"intents":[{"intent":"Recommend policy changes","confidence_score":0.0004374361}]},{"text":"But given, you know, you don't have any health conditions currently, then there's no reason that we should sort of retain that just for the insurance purposes when you do have adequate cover with pal, if that makes sense. Yep.","start_word":6231,"end_word":6270,"intents":[{"intent":"Share insurance information","confidence_score":0.0012895581}]},{"text":"I mean, the the the recurring the fees. No.","start_word":6901,"end_word":6909,"intents":[{"intent":"Confirm information about fees and implementation","confidence_score":1.8186475e-8}]}]},"sentiments":{"segments":[{"text":"Hello?","start_word":0,"end_word":0,"sentiment":"neutral","sentiment_score":0.06473423540592194},{"text":"Good morning, Harsh.","start_word":1,"end_word":3,"sentiment":"positive","sentiment_score":0.4354984760284424},{"text":"It's Carl calling from HP Financial. How are you today?","start_word":4,"end_word":13,"sentiment":"neutral","sentiment_score":0.2831789553165436},{"text":"Good, Carl.","start_word":14,"end_word":15,"sentiment":"positive","sentiment_score":0.408147394657135},{"text":"How are you? Yeah. Not too bad at all. I've had you scheduled in for your statement of advice presentation. Yes. Yeah. Isn't that still a good time for you? Yeah.","start_word":16,"end_word":46,"sentiment":"neutral","sentiment_score":0.2379678338766098},{"text":"All good. Perfect.","start_word":47,"end_word":49,"sentiment":"positive","sentiment_score":0.48018351197242737},{"text":"Not a problem. Just to get started on that one, Harsh, if I could just pass through security, just that name, date of birth, and current address for me, please? Start with the name. Yeah. Just a pass through security. So just your name, date of birth, and current address. We can set up a client password afterwards if you you would like, if you don't wanna do the three points for security in future. No. That's okay. So my name is Harsh Matu. Date of birth is 06/05/1981. And the address is 36 Tenzanite Street, Pallara, Queensland, Brisbane.","start_word":50,"end_word":148,"sentiment":"neutral","sentiment_score":0.09353084862232208},{"text":"Perfect. Thanks for confirming today, Harsh.","start_word":149,"end_word":154,"sentiment":"positive","sentiment_score":0.6069194674491882},{"text":"Now I know when you spoke to my colleague on the phone that you did update just a few details just in regards to your assets and liabilities there. Now your debt value jumped up quite significantly there. Did you redraw on your mortgage to sort of look at renovating? Or Yes. Yeah. so it's for renovations? Correct. Perfect. And then, obviously, they're not completed yet, so you haven't had, like, a reevaluation of the the home to see what No. No. that Yeah. sort Yeah. Correct. The work is still in progress. of Once that's done, then then we can go for gone a a reevaluation. yeah. Not a problem at all. You do have access to the mortgage brokers here. Well, if you do wanna, obviously, you know, get a second opinion from the one you currently have or just in anyone in general, we can pass along those details if you do wanna look at refinancing once that is done. Yeah. Sure. No. I just did the refinancing now. So I'll just wait for the interest rate to go down first, and then we'll think Yeah. about it. Obviously, yeah, after the you'd reevaluate in terms of, like, the property and everything like that. No. Yeah. If you want hopefully, the war kind of dies off soon and then the interest rates come back to a bit more of a a Yeah. normal amount if you wanna go fix for a period Yeah. or not. So that's perfectly fine. But as far as any other details there, Harsh, nothing else has changed? No. Nothing else has changed yet.","start_word":155,"end_word":425,"sentiment":"neutral","sentiment_score":-0.023312225621674773},{"text":"Perfect.","start_word":426,"end_word":426,"sentiment":"positive","sentiment_score":0.41045039892196655},{"text":"So I'll just be sending this out to your email, Harsh So, yeah, dot Marla. the only thing is sorry, Carl. So the only thing is that when I did the refinancing, I also cleared off my debt. So that included the the car running car loan. So I also cleared that off as a part of that whole refinancing thing. Okay. So you've got a debt value of around $8.50 on the home loan, and that's your entire debt. You wiped the 55 from the cars as well? Yes. That that includes everything. Yeah. Yeah. And No. the credit credit cards. The credit card's all paid off and everything as well. Okay. No problem. And as far as the novated lease, you're continuing in novated lease, Yeah. you didn't buy that out or any yeah. Okay. No. No. No problem. That's that's continuing with the company. Yeah. Not a problem. I'll just update those. So as far as that details, it will still have your your card debts on this. In addition to the we did update your home loan debt to the $8.50. If you do want an updated piece just to change that figure, that's more than fine, but it doesn't actually affect the advice piece there today as well. Mhmm. Mhmm. Okay. So this will be going to Harsh.Martha123@Gmail.com, and you Yep. should have this shortly. Now within regards to the documents there, so it with OdooSign, you'll have the email and the attachments with that. So you'll have a copy of the statement advice, the appendix. You'll also have the PDFs for the products you hold and the recommended products, and then the services guide and financial services guide as well, just the up to date most copies, and a Vanguard index chart for you to be able to look at, just the markets over the past thirty years or so. And then within regards to signable documents, there will be your ongoing service agreement and the statement advice.","start_word":427,"end_word":760,"sentiment":"neutral","sentiment_score":0.1263437380423089},{"text":"We were happy to stay on board, happy to take on the advice as well. So Okay. that will be with you there shortly, and then we can run through the document and its recommendations.","start_word":761,"end_word":795,"sentiment":"positive","sentiment_score":0.5215002298355103},{"text":"But before we get started, is there any questions you do have or anything you wanted to touch on before we jump into that document there today, Hass? No. No. I'll go ahead. Not a problem. So once this comes up, you'll be able to click on the the attached statement advice for us to be able to run through there.","start_word":796,"end_word":856,"sentiment":"neutral","sentiment_score":0.12270838022232056},{"text":"So it was prepared for yourself.","start_word":857,"end_word":862,"sentiment":"positive","sentiment_score":0.3608269989490509},{"text":"It was finalized on the March 18 there. Now you do have thirty days from that date for it to be valid and then another thirty days as long as you confirm your details.","start_word":863,"end_word":896,"sentiment":"neutral","sentiment_score":0.25112104415893555},{"text":"Since we confirm your details, as long as you sign that date, it's that timeline, it's sort of fine.","start_word":897,"end_word":915,"sentiment":"positive","sentiment_score":0.4102173149585724},{"text":"So it's prepared by myself and the team here as an authorized representative under OQ Financial. Within regards Okay. to that, it still takes an account best interest, Judy, trying to put you in a better position for you currently at even though your original adviser obviously was with us. And then from there, we're just constantly trying to put you in a better position by updating that advice as well. Now has that email come through there, Hass? Do you Yeah. be Yeah. able Yeah. to review I'm I'm yeah. yeah. Going through it. Yeah. Yeah. Not a problem. So on the the pages over there on three and four and then also five, you'll be able to see the the scoping and what we sort of considered when we're having out of those conversations. Now within regards to that, it was mainly around the superannuation and looking at the the insurances as well. Now with your super, you obviously have that account there with those group insurances and then also looking at that versus your current account, looking at your that versus your retail cover there as well. So main focus there is reviewing that superannuation, reviewing your insurances there, if that makes sense. Yeah. Now in regards to the estate planning, we had a discussion around that. You're quite satisfied with what you've currently got in place in regards to your estate planning and then also in regards to your cash flow and budgeting and then being able to to save effectively for the debts that you do have And then also in regards to looking at your financing, I know you were looking through the Ola Lending that we're referred to by someone prior as well and happy with them, and then also looking at investment property down the track as well. But it's so far those are all scoped out. They're just accountability partners in regards to that as far as the advised piece of data centered around that superannuation insurances, if that makes sense to us. Yep.","start_word":916,"end_word":1258,"sentiment":"neutral","sentiment_score":0.14787040251163283},{"text":"Perfect.","start_word":1259,"end_word":1259,"sentiment":"positive","sentiment_score":0.3937367796897888},{"text":"So quite simply there after the review, we're recommending that you roll over your ANZ superannuation fund to your hub twenty four superannuation fund and switch Mhmm. your underlying investment there as a bit of an investment reset refresh. And then also just retaining that tower cover and canceling your ANZ group insurances there as well. Now before we jump into the document there, do you have any questions in regards to that? That's, like, the very straightforward strategy recommendation they have. No. I'll I'll just go through it. I haven't I haven't gone through completely, so I'm just trying to go through it and Yeah. I'll run through the the document there with you. Obviously, I just wanted to see if you had any questions before we jump into it. I'll run through, do a bit of a brief overview of everything, give you the key points, and then you can have some time to go away, take it away, and have a read through everything and see if you were happy with it or not. Yeah.","start_word":1260,"end_word":1437,"sentiment":"neutral","sentiment_score":0.11400577928243058},{"text":"Sure. No problem.","start_word":1438,"end_word":1440,"sentiment":"positive","sentiment_score":0.3810392916202545},{"text":"So on page seven there, you'll have just your general information.","start_word":1441,"end_word":1451,"sentiment":"neutral","sentiment_score":0.29793810844421387},{"text":"So feel free to look over that and make sure it is all correct.","start_word":1452,"end_word":1465,"sentiment":"positive","sentiment_score":0.3477933406829834},{"text":"On the page after that, you will have those assets and liabilities. As I said, it will be slightly different just because you said you have consolidated that motor vehicle debt and put that on the home loan. Yep. Now in regards to the page nine there, you will see current position. So your ANZ account and then also your hub 24 account. And then you'll also see your insurance position, what you hold with the group insurance with ANZ, and then also what you do hold there with how the underwritten cover that you did get with that one as well. Now in regards to your risk profile, you did score as a growth risk profile, which is in line with what we've currently got you invested in.","start_word":1466,"end_word":1594,"sentiment":"neutral","sentiment_score":0.14928029477596283},{"text":"And then with that, we are recommending a growth portfolio moving forward.","start_word":1595,"end_word":1606,"sentiment":"positive","sentiment_score":0.3355562686920166},{"text":"But do you have any questions around your risk profile or anything like that there, Harsh? No. No. Nothing specific. Yep.","start_word":1607,"end_word":1627,"sentiment":"neutral","sentiment_score":-0.003636967623606324},{"text":"Not a problem at all.","start_word":1628,"end_word":1632,"sentiment":"positive","sentiment_score":0.35063111782073975},{"text":"Now with the actual recommendation itself there, so we obviously reviewed both your superannuation plan you currently hold, Hub twenty four as well and see which one is performing better. We also considered a couple other retail platforms just to see in comparative to, like, pricing if Hub twenty four was still, like, a good competitive market alternative.","start_word":1633,"end_word":1690,"sentiment":"neutral","sentiment_score":0.2799336612224579},{"text":"Now within regards to reviewing all that, it's just looking like at the moment, given the performance you are getting at your Hub twenty four, given the service you do get by having an adviser to be able to tailor those solutions and strategies to you with that platform, it would be still favorable for you to maintain that Hub 24 platform and consolidate your ANZ super.","start_word":1691,"end_word":1757,"sentiment":"positive","sentiment_score":0.40093979239463806},{"text":"Okay. Yeah. Upon reviewing your ANZ super account, we're deferring that you didn't get any, like, employer related benefits from that and justify retaining that or having a second fund for the point of that. Yeah. Now with that, having the the cost investment wise, it is quite expensive and then the performance that they were getting in compare in comparison to your hub twenty four. Now by transitioning to Hub twenty four, you have all your funds consolidated. You don't have the two platforms, so that reduces the administration costs. And then with that one there as well, you do have more tailorability to your investment portfolio and future strategies there as well. Okay. Yeah. Have you sort of had a play around much on your Hub twenty four since we've had our discussions? Do you have No. any concerns or questions in regards No. to that? No. I haven't yet. Yeah. No. That's perfectly fine. So Obviously, looking at it's the current looking at the current market, I I just see the the portfolio that you shared, and it's like most of the major portion of that investment goes in the international international shares or something, 30 Which 7%. page she No. So I was just talking looking at the portfolio on page 37 not 37, sorry. On page 13. So there is profile that that has been shared, I think. Right. Yeah. Okay. And in regards to, like, how they sort of, like, split the idea up in terms of, like, the different classes So in the different areas yeah. Yeah. where it's yeah. So it's international equity. So looking at the current situation, is this well, is it something that we should review or is it that that's the strategy of going So it's forward? how they they balance their portfolios in terms of the diversification. So, recommended portfolio, you'll be able to see that on page 17. So Yeah. currently, you have two managed funds. So you got ClearBridge Rare Infrastructure, which has been doing alright, and then also the Benelong Australian Equities, which is around that 10% mark, which hasn't done great at all. It's down that 20% over the year, given that everything has happened with the underlying investment and then also what happened with the war as well. And that's in Australian equities. And then also, you do have, like, agriculture, some physical gold, and then also some cybersecurity in there as well, and then your key holdings being, like, the the S and P five hundred. Now in regards to that one, the portfolio we're recommending moving forward still maintains some key holdings there as a part of that, so it reduces the capital gains. So you still have a nice key holding in the s and p five hundred even with America And how things are going, you still have an allocation of cybersecurity and a physical gold. The newer investments that will be going into that one, you'll be transitioning away from where you're currently in in the Australian market to the BetaShares Yeah. Australian two hundred, which is the top 200 companies in Australia, and that will become another key holding in your portfolio. That'll be about 20. And then the other satellites around that in terms of the diversification of international equities that we can turn, they're spread across Europe, Japan, and then all world excluding The US. So not any sort of specific focuses in any sort of war areas apart from obviously having a key allocation still to The US, but you've still got that currently in your portfolio and Okay. hope you isn't sort of moving away from that market in terms with everything long term anyway. They still see it as still being a viable investment for the long term, Yeah. Yeah. if that makes sense. Yeah. Yeah. Yeah. No. That that makes sense. I think there are a few things like the physical gold that has also gone down and the the shares better shares, it's not that significant drop anyway. So is it something that we will review this and look at the investments, or this is the same investments that we will carry on continue? No. So on that with that on page 17 there, that's an update to ones that are going and ones that are go being bought. You'll Yeah. be able to see that there will be a rebalance. You will be getting rid of some of your physical gold because you do have a bit of an over allocation of that for how well it has done over the past couple years and then still having a key holding of that. You'll also be doing a bit of a a rebalance there of the cybersecurity side of things, and then you'll be switching your allocation from where you are in the Australian market between Bennelong and then the Raffi index that you're currently in, which is sort of similar to the Australian 200 beta shares, but it's calculated a little bit differently as an index. And you'll be moving to that beta shares 200. And then with that, you'll be moving away from bank hybrids, which are getting phased out. You'll be moving away from agriculture at the moment, the food, and then having that allocation across those different geographical locations, which will encompass different industries being in those exchange traded funds, if that makes sense. Yeah. Okay. Yep. So, obviously, since you've been on board, your portfolio has been tracking quite well. Obviously, the last six months, probably not fantastic given that everything has gone on. But with that, we're doing the refresh now. So, hopefully, it will continue with the the uptick once the the war's over to continue Yep.","start_word":1758,"end_word":2723,"sentiment":"neutral","sentiment_score":0.019879448293143306},{"text":"to have Yep. sustained long term growth. Since coming on board, I believe, after fees and everything like that, it's sitting up around 23% up even with the dip that did occur, which is Yep. still nice growth. Obviously, the more money you have in there, the better that can compound moving forward as well, and then you're reducing investment costs with that moving forward.","start_word":2724,"end_word":2788,"sentiment":"positive","sentiment_score":0.44776374101638794},{"text":"Correct. So Yeah. by changing the investment there, you will be removing the active portions there, but that also does get rid of the manager risk that you currently hold. So you are tracking those indexes. There isn't a chance to try and outperform what the market's doing because you're just tracking what the markets are doing, but that comes at a base in terms of, like, your investments and the price you pay for having those funds invested, which all goes towards adding more money to your continued Yep. Yeah. Understood. growth, if that makes sense. Yep. Obviously, in terms of, like, the adviser fee, that will go up slightly in terms of that just purely for the fact of funds under management. If you were to come onboard, that's probably the biggest cost difference is that you will have significantly more funds with Oakview and being managed by their portfolios for that. So that will go up in terms of, like, the investment costs overall that will go down. And then within terms of the the amount of money you pay for your insurances, that will reduce as well because that will be getting removed. Yeah. Yeah. So so what what about this the Patel, which which I have the insurance with included in this? Yeah. So we're recommending that you retain your tel insurances there. So you do have the $2,000,000 of life and total permanent disability and then also the income protection for around 1,100 $11,741 as a monthly benefit for that. But in the and there is a on page 24, it says insurance to be replaced and canceled. Oh, you it oh, that's the ANZ one. Okay. Yeah. Because you've got Okay. that group cover because you have already comprehensive retail cover, and you don't have any exclusions or loadings with that. It just means that in the event that anything did happen, it's probably still more likely that you will be able to claim on your retail cover versus that group cover. If you had a preexisting condition that was sort of covered potentially by those group insurances versus potentially not by your retail cover being the exclusion Yeah. or the loading that you potentially would have, given that you don't have any health conditions or concerns that I'm aware of or that you've disclosed to us, Yeah. then that means that you should be fully covered by that retail policy as opposed to, like, you know, a group policy that you can hold potentially before, you know, some conditions that may have arisen in your sort of earlier life there. Then you might wanna look at retaining it because you might be able to claim on a certain condition of total term disability and things like that or income protection. But given, Yep. you know, you don't have any sort of mental health, any sort of preexisting conditions that apply to that retail policy that you did take out, then Mhmm. it's just, if not more, comprehensive because it's already been underwritten versus that group policy that gets underwritten out or, like, assess at the time of claim, which means Yep.","start_word":2789,"end_word":3317,"sentiment":"neutral","sentiment_score":0.0908214079747804},{"text":"they still can can deny the claim.","start_word":3318,"end_word":3324,"sentiment":"negative","sentiment_score":-0.4120319783687592},{"text":"And you're paying $1,400 a year for for cover that doesn't meet your needs. And then, also, Yep. you can more than likely be able to claim on that retail policy versus that group top group policy anyway. Yep. So there's no need to double up and have the, you know, $2,400,000 worth cover when $2,000,000 worth of cover, if anything was to go wrong, would Yeah. be more than Water. adequate. Yeah. If that makes sense. Yeah.","start_word":3325,"end_word":3402,"sentiment":"neutral","sentiment_score":0.011585593223571776},{"text":"You know, that's that's that's okay.","start_word":3403,"end_word":3408,"sentiment":"positive","sentiment_score":0.34210583567619324},{"text":"Yeah. In terms of, like, the super side of things and the the accounts that you would have, so, obviously, you've got quite a bit in both accounts. So it would roll over approximately that 68,000 from your ANZ to your hub 24, and then you'd have around a 123 in the the fund there with Hub twenty four. It would simplify things in the terms you wouldn't have two accounts. You'd all be in the one place for reporting in terms of your views being able to maintain everything there as well. It reduces Yeah. overall investment costs, overall administration costs with having two funds with that and managing that. And then with that, you have access to, you know, the investments on the hub twenty four, the advanced reporting. You have grouped aggregate trading with hub twenty four as well, and then you also receive a few financials and ongoing service as well, if that Yeah. all makes Yeah. sense. Yeah. No. That that all makes sense. Yeah. I will I will review that and and see if what's the process of getting that rolled over to Hub twenty four. So so with that, if you were to accept everything and be happy with everything, Harsh, and sign the document, then we can all deal Yep. with that in the back end and request that from Hub 24 platform itself. As far as the implementation side of things, the team can can manage that for you. If you're happy with everything, all you'd have to do is sign the document. But Yep. as you Yep. said, feel free to have a read through, make sure you're across all the advantages, disadvantages, the risks, things like that. Now, obviously, when moving to a replay of platform, obviously, you're you're aware, like, versus unitized versus having capital gains on funds and things like that. So there will be a slight CGT liability with the switching of your investments, but it's sort of Yeah. negligible over the long term. Yeah. No. That's fine. I think it it was in my mind to do it. It was just that I I was not getting time, and I was not very clear how to initiate that that transfer and other things. So but, yeah, this Yes. probably this time around, I'll I'll go through it as per your advice. Yep.","start_word":3409,"end_word":3805,"sentiment":"neutral","sentiment_score":0.12122253916913676},{"text":"So if you're happy with everything, then they'll implement that all for you.","start_word":3806,"end_word":3818,"sentiment":"positive","sentiment_score":0.4954575598239898},{"text":"Won't even have to do anything by signing it to say you're happy with it. Obviously, one thing to be quite aware of, we given how volatile the markets are currently, when sort of selling down from your current, like, industry fund to moving it to hub 24, There's probably a couple weeks there where you're sitting in cash or the funds are being transferred, the rollovers before being vested, those sort of things. Yep. Now with that, the volatility of the market with those ups and downs now when sitting in cash, if the market drops and you buy in at the dip, that's fantastic. You've made, you know, a little bit because you're buying at a bit of a lower cost. If the market returns somewhat, you know, by a percent or two during the time that you're sitting in cash, you are selling a bit lower and buying a tiny bit higher. As I said, the the actual gross percentage, it's, like, a little bit negligible over, you know, the longer term period and sort of moving, having the funds consolidated in the overall benefits. It's just something to be aware of given how volatile the markets are Yeah. currently that there will Yeah. probably be some movement. Obviously, with the war not ending, you know, the likelihood is it could just sort of stay a bit stagnant. If there were sort of certain announcements, so there may be a dip, there may be a rise, Yeah. but I can't Yeah. tell you what Trump's gonna tweak tomorrow. It's just something to be aware of in terms of, like, the risk when switching from cash to reinvesting. Yeah. No. No. All good. All good. Nothing. I just find it and send it across to you.","start_word":3819,"end_word":4116,"sentiment":"neutral","sentiment_score":-0.0359244777277212},{"text":"So I'm I'm fine with that.","start_word":4117,"end_word":4122,"sentiment":"positive","sentiment_score":0.34310951828956604},{"text":"I'll Okay. in in in my free time, I'll definitely go through more details about the investments and the associated Yeah. things, so that that should be fine. Not a problem. And then if you do sort of come across anything you do have any concerns with, we can sort of, you know, try and stop any trades. Obviously, if they do put the rollover through and it goes through and everything like that, going back is Yep. a lot harder. But in the meantime, it shouldn't sort of be implemented at least for a few days if you have some chance to run through it. Yeah. As I said, No. we So so from the goal financial goal perspective, that still remains the same. So I just want to reduce the mortgage as much as possible yeah. and also look at some investment properties in next twelve months or so. So that the two main objectives, so that we'll need to look, understand what are the ways which which I can achieve that. Yep. Yeah. Obviously, in regards to that, it's not in this advice piece, but generally speaking, know, you have the mortgage broker you're working with. Obviously, if you're not happy with them, we can recommend sort of another partner. Yeah. The main thing there would be to to, you know, finalize your renovations, make sure you're paying down that debt to get your equity back in your home, and even have your home potentially assessed with a a mortgage broker Yeah. or real estate agent to see that and to see what equity you can access with your your home loan to potentially reenter any investment market there as well. Obviously, over the next sort of that six to twelve months, you're probably looking at finalizing those renovations and then Yeah. seeing what the home value is and then obviously K. going from there. And then the main thing from there is obviously just focusing on, you know, making your payments, making any additional payments you do wanna do, sticking to your budget. Obviously, with the cost of living at the moment, it's Yeah.","start_word":4123,"end_word":4480,"sentiment":"neutral","sentiment_score":0.011744423223107888},{"text":"very easy to to move away from your budgets.","start_word":4481,"end_word":4489,"sentiment":"negative","sentiment_score":-0.4799908101558686},{"text":"I know you're quite good generally with your your money from what you've told me. It's just important given with the, you know, the cost of living increasing and things like that. You might need to, you know, either forego a few things or just rejig your budget slightly that you're not sort of, you know, spending more than what you were previously to meet your goals over that longer term period. Yeah. No. That's fine. And also, like, is it always a person dependent thing, or is it do you also have an option to merge the the Hub twenty four with the partner as well? Like like, if they are they are earning and and and I want to also get that investments together? Like, is that is that an option? So in terms of, like, changing your underlying investments per, like, you just calling up and wanting to have something in it? No. So I mean to say that let's say that I am I am with Hub twenty four, and Yep. my my wife, if if she she's also has a salary, and she also has her own Yep. the super account. And and if if we want to take that and merge with the hub twenty four as a common account, is that something that we can is that is that an option so that So she also gets in the terms benefit? of, like, coming onboard as a client, they have a coupling fee at the moment. So that can drop your ongoing fees down to 1.1% as opposed to the 1.65. Now another benefit with they went with Hub twenty four, you wouldn't be able to merge the accounts and have the same, like, fund in a sense, but you can link the account through, like, family linking if they were recommended the hub 24 platform or if that's something that your partner wanted in terms of, like, simplicity and then also Yes. cost savings. And then what that does is it treats the money as the same in terms of, like, you know, if she had a 100 and you had your 100, it would be considered 200,000 of funds Yeah. under management, and they would charge the administration fees accordingly to as 200 instead of, like, two separate accounts at a 100 each, which Correct. can save Yeah. you on administration costs, but you'd still have your own separate account. You could have the Yep. same investment, so, technically, you'd be invested in the same things and things like that as well. The the difference is is they're still separate, that you just get a bit of fee savings, and then the reporting, you know, you can report individually on your individual accounts. Yeah. Yeah. And No. then That's something I I'll I'll I'll think about it and let you know. yeah. If you want obviously, the consultation part is is all free. So you can you know, if you want to refer your partner on, I believe the referral partner program is still going. So even if you referred your partner and she came on board, you can get, like, a $100 gift card if that's still running, Okay.","start_word":4490,"end_word":5028,"sentiment":"neutral","sentiment_score":0.09537956752366834},{"text":"which is a bit of a bonus, bit of free money. And then if they were to come on board as a client of Oakview as well, as I said, the ongoing fee would not only drop for your partner, but it'd drop for for you, which would save you on administration costs for the service here as well, Yeah.","start_word":5029,"end_word":5088,"sentiment":"positive","sentiment_score":0.3946851789951325},{"text":"Yeah. if Yeah.","start_word":5089,"end_word":5091,"sentiment":"neutral","sentiment_score":0.2090628445148468},{"text":"Definitely. that makes sense.","start_word":5092,"end_word":5095,"sentiment":"positive","sentiment_score":0.3734056353569031},{"text":"Yeah. Yeah. Yeah. Definitely. Yeah. So I'll I'll I'll discuss with with my wife and and see what what she's getting currently, the benefits from her current super, and then we can take Yeah. a call. Obviously, you've got the the financial services guide and Oakview services guide. So feel free to have a look through that, see the services on offer that you do get a part of that. Obviously, the biggest expenses, like, the upfront cost that you probably remember there. But ongoing from Yeah. that, it is just a percentage based fee for the services you do get here at Oakview.","start_word":5096,"end_word":5199,"sentiment":"neutral","sentiment_score":0.17309973216973815},{"text":"And then sometimes it's nice just having it all in Yep. the one spot. You can look to, you know, you know, depending on what you wanna do a bit later in life as well, getting joint advice pieces, you know, getting your interviews closer together so it's all done in one big hit, and then sort of you don't have to think about it for the next twelve months as well. Yep.","start_word":5200,"end_word":5272,"sentiment":"positive","sentiment_score":0.5499499440193176},{"text":"And then, also, yeah, if there was sort of any other people that you did sort of refer us onto or tell them to to come to us, it might be worth just saying that that you sent them and saying that you were the person that referred them on.","start_word":5273,"end_word":5322,"sentiment":"neutral","sentiment_score":0.21832497417926788},{"text":"If that Yep. referral program is still running, you might just get a free $100 gift card out of it if you are speaking to your workmates or any further friends or family as well.","start_word":5323,"end_word":5357,"sentiment":"positive","sentiment_score":0.3747433423995972},{"text":"Sure. Yeah. No problem, Hush. As I was saying, though, there in regards to what we did consider, we did consider even just moving you back to ANZ due to, like, the past performance and then the cost with that one and the risk profile and the investment range you had. We just recommend you stick with the hub 24 and then Yes. stick with a more sort of tailored service for that longer term sort of mindset. And we also did look at another few retail form platforms, but the capital gains that you currently hold on your account and the benefits you'd get by moving elsewhere in terms of, like, any cost savings, it didn't really work out to be in your best interest, so we're just referring that you stay with hub twenty four. As I said on page 17 there, you will have the buyers and the sales of what you'd be selling and what you'd be buying. Now in the appendix, you do have links to that one as well to see what the recommended investments are if you would do wanna have a look at those. Obviously, you wouldn't have that active management moving forward, which is a key component of that.","start_word":5358,"end_word":5565,"sentiment":"neutral","sentiment_score":0.077780504961713},{"text":"But if you take into account your actively managed fund Benelon that didn't perform well and the actively cleavage fund that did perform well, you're still at a tiny bit of a loss in terms of, like, active management.","start_word":5566,"end_word":5604,"sentiment":"negative","sentiment_score":-0.3730021119117737},{"text":"Whereas if you just had a cheaper investment, the index investment moving forward, you would have saved on those investment costs, and you would have sort of had a little bit better performance. So with that moving forward, you obviously won't have the ability to potentially outperform the market, but you'll be following what the indexes are doing. And if the markets are performing well, then your portfolio will perform well as well as a cheaper alternative, and you'll have a little less volatility and a little less risk in terms of, like, manager risk and managers making the wrong decisions as opposed to, like, obviously, Yeah. the war just affecting your portfolio's performance, if that makes sense. Yep. Yep.","start_word":5605,"end_word":5724,"sentiment":"neutral","sentiment_score":0.0578528605401516},{"text":"Perfect.","start_word":5725,"end_word":5725,"sentiment":"positive","sentiment_score":0.4133734703063965},{"text":"In terms of the asset allocation, obviously, you're in a growth portfolio. So the recommended investment, it will still be in line with the growth portfolio around that 8020 split. You'll have around 83% in growth and around sort of 16.75 in defensive assets there. Moving Okay. forward, you'll be able to see the split between the Australian international equities, a little bit of property, and alternative growth assets, which is your gold majority. It can be considered a bit defensive gold in terms of how it can act, but at the moment, it's just getting a lot of that capital growth. So that's how they define it at the moment. In relation to that one, it will be slightly less exposed to growth assets than your current portfolio, but it has historically performed better as well. On Mhmm. Yeah. page 20 there, you'll be able to see how those cost differences look in terms of, like, the the fees you're paying, how it's split up, the investment, other fees, and things like that as well. And then you'll be able to see a projection from that one. Now projection is always to be taken with a grain of salt because, obviously, you know, no one knows what the market's gonna do tomorrow, let alone today. But it just Yep. gives you a bit of an illustration based on, like, cost, the regular performance, and how it was performed for the last five years and how that might look moving forward.","start_word":5726,"end_word":5976,"sentiment":"neutral","sentiment_score":0.10483180645452551},{"text":"So, obviously, the goal here is to try and put you in a better position. The the main thing there is you'll be saving on investment costs moving forward with the updated investment change. Your money will be together having a bit more of a compounding effect. So when you do have those good years, obviously, that gets reinvested into the same investment, and you do have that high potential for that compounding effect to really get your your super growing versus having your Yep.","start_word":5977,"end_word":6061,"sentiment":"positive","sentiment_score":0.5144666433334351},{"text":"funds split across different investment platforms.","start_word":6062,"end_word":6067,"sentiment":"neutral","sentiment_score":0.14382123947143555},{"text":"Okay. Perfect.","start_word":6068,"end_word":6069,"sentiment":"positive","sentiment_score":0.588291585445404},{"text":"In terms of the insurance side of things, you do already have that tailored insurance policy with TAL. As I said, you don't have those exclusions or loadings with the going through and underwriting to relook at changing those. We're just looking at keeping everything the same. In future, you know, if your health's still well and nothing has changed and anything does pop up, we can look at rewriting the policy for, like, the exact same amount of cover a little bit less depending on what your needs currently are just to sort of review for market cost. But currently, it's still comparative in the market, still quite competitive for the amount of cover that you do hold there already. Okay. And then we're recommending getting rid of that live PVD and IP with the ANZ account. As I said, it is group cover. If it predated any conditions, we might potentially look at keeping it and retaining it. But given, you know, you don't have any health conditions currently, then there's no reason that we should sort of retain that just for the insurance purposes when you do have adequate cover with pal, if that makes sense.","start_word":6070,"end_word":6268,"sentiment":"neutral","sentiment_score":0.05942134448706205},{"text":"Yep. All good. Perfect. So with that, it'll save you over a thousand dollars per annum just on insurance costs, which is fantastic. That can go back into being invested and growing towards your retirement goals there as well.","start_word":6269,"end_word":6307,"sentiment":"positive","sentiment_score":0.7484784722328186},{"text":"You will see what that impact will clock in terms of, like, if you had your current versus having a rec the recommended in regards to the five and ten year impact and then no insurances at all. Obviously, it does affect your superannual balance and the growth over the long term. But in saying that, we do review it regularly to make sure it's not eating away too much at your retirement goals. And then, obviously, having that cover if they that anything did happen given, you know, the the family, you two two kids, and then the your partner with the level of debt you have, you'd wanna sort of make sure that they were well taken care of. Yep. Perfect. Obviously, the risk in regards to that if you didn't sort of disclose anything regarding that retail policy or any exclusions that may apply, you still don't have to meet the strict PPD definitions of the retail policy, same as if you were to sort of try and claim on your group cover. The benefit is is it's obviously already underwritten. We did look at potentially retaining both policies, but it comes at quite a cost both in having Yep. two two funds and then two insurances. And then also the administration with that and the premiums that you're paying, that would just eat away at your retirement savings. And then we looked at obviously not having insurances there, but obviously that would leave you significantly at risk and under protected given your current lifestyle and family arrangements. Yep. Yep. All good. As far as the ongoing fees, we do get obviously the 1.65% of the the balance. Now within regards to that one, it is around 2,123. Now with the ongoing service agreement, that's sort of what it'll roughly be as well because it's based on your current balance and growth. Out of that over a twelve month period, obviously, if the market still stay a bit stagnant with the war, that'll change slightly because it is a monthly figure that does come out. And then we do get 22% of the ongoing premium of the insurance policy that you do pay just for maintaining that policy with the insurer. It's not like an additional out of pocket cost or anything for you. Okay. That's just what we get for maintaining that policy with the insurer through the payment that you do pay. We just have to disclose it because it is something we do get as a form from munition, if that makes sense. Yep.","start_word":6308,"end_word":6737,"sentiment":"neutral","sentiment_score":-0.01690483032617458},{"text":"Perfect.","start_word":6738,"end_word":6738,"sentiment":"positive","sentiment_score":0.5618091821670532},{"text":"As far as the the implementation side of things go, once you were to sign up which you have there, they'll complete that full rollout from the ANZ, which will cancel that group cover, and then it'll get the money consolidating to your hub 24. And then within regards to that, it does say that you could cancel your ANZ superannuation. They'll follow-up on that. But when you complete a full rollover, it will just cancel those assurances automatically, if that makes Yeah. sense. And All then good. I hope you would do the investment update. But do you have any questions in regards to ongoing service, the ongoing service agreement, or your past sort of twelve months or anything like that, Harsh? I know I've had No. a few No. comments. No. That's all good. I think that's that's that's what is it's been there. Right? There's no changes in the In regards to what from when we've previously spoken? yeah. I mean, the the the recurring the fees. No. It's still 1.65. Yeah. They've always been $1.06 point 0.65. Obviously, if your balance grows, it will grow. So with no more funds coming under management, the adviser fee will go up because we'll have more funds under management there. But in terms of, like, the percentage base and how that's charged, that's all the Yeah. Yeah.","start_word":6739,"end_word":6966,"sentiment":"neutral","sentiment_score":0.01996379725537018},{"text":"Okay. All good. same. Not a problem.","start_word":6967,"end_word":6973,"sentiment":"positive","sentiment_score":0.4338153600692749},{"text":"Do you have any it is quite straightforward, that advice fee there, Harish. Do you have any questions or any concerns in regards to that? Or No. I I don't have it at this stage, but let me go through that that document again.","start_word":6974,"end_word":7017,"sentiment":"neutral","sentiment_score":0.08949023485183716},{"text":"I do have already signed because I know the on the from the top, it's it it it looks all good.","start_word":7018,"end_word":7038,"sentiment":"positive","sentiment_score":0.44776976108551025},{"text":"Yep. And if there is anything any particular question, I'll I'll come back. Not a problem at all. Just, yeah, ring up. And, obviously, if I'm free, I'll take the call. If not, I'll get you booked back in or shoot shoot an email through. But, otherwise, I'll leave it in your hands, have a review of that, and come back with any other questions you may have there, Harsh.","start_word":7039,"end_word":7108,"sentiment":"neutral","sentiment_score":0.16819052398204803},{"text":"But I won't take up any more of your morning.","start_word":7109,"end_word":7118,"sentiment":"negative","sentiment_score":-0.3922245800495148},{"text":"I'll let you get back to it. Yep. Yep.","start_word":7119,"end_word":7127,"sentiment":"neutral","sentiment_score":0.1080232635140419},{"text":"All good. Thanks. Thanks, Kyle. No problem, Harsh. You enjoy the rest of your day. Thanks for your time this You morning, too, and mate. I'm Thanks. sure yeah. Perfect. Yep. Thank Alright. Have you. a good one. Thanks, Harsh. Bye.","start_word":7128,"end_word":7168,"sentiment":"positive","sentiment_score":0.6364677548408508}],"average":{"sentiment":"neutral","sentiment_score":0.10105818349333752}}}}