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Just to go through the research I did on your Netwealth and Rest account to see if we needed to do any rollovers or anything from our annual review, do you have a couple of minutes for me? Yeah? Okay. I'll try to make a quick if you are you in the car at the moment? Okay. That's okay. I will try to make it quick for you if you're kind of on the go today. But before I do jump in, I do need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just for security purposes, just so that I can confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please? Yep. Yep. Perfect. Thank you so much. And how's your morning been? Been pretty busy? Yeah. Alright. Well, Mary, like I said, it is pretty straightforward. So what I have done is I have just sent you an email with the recommendation. Now I'll just kind of go through the main point with you today. And then when you have a little bit more time, have a look through it. And if you then have any questions, you can always give me a callback. Would that be okay? Yep. Perfect. Now like I said, I did some research on your rest account and your Netwealth account just to make sure everything is in order if or if we needed to make any couple of changes for your superannuation there for you. It is pretty straightforward. So a lot of the document is just for compliance purposes just so that you understand everything. But like I said, I'll let you have a read over it, and there's not much changes I have recommended. The the only change there's only been two small changes. The the only change is that when I did research your rest account and Netwealth, Netwealth has performed better than your rest account. So what I have recommended, it is to roll a little bit of money from rest into net wealth. So making sure that we have the most amount of money in the super fund that's going to give you the most amount of growth. Does that make sense? Yep. So at the moment, because you have contributions from your employer going into rest, which is great, that's what we want to keep your insurances in rest active. But that does mean that every now and then, that balance will increase. So it is important to do these little kind of rollovers every now and then to making sure that we have more money in Netwealth for you. So at the moment, you have about $21,591 in rest. And what I have recommended is to retain 15,000. The rest will be transferred to Netwealth for you. Still keeping the 15 will allow your insurances to be active, the account be active, and everything like that. Just literally moving a little bit over to Netwealth. Does that make sense, Mary? Yep. Perfect. Now we're not making any changes to your risk profile. I'm not changing any of your investments either. We've already done that switch, which we spoke about during the annual review of your your Benelon investment. The only other thing I have recommended is because over time, different investments perform differently. And as a result, the the mix of investments in your super can gradually move away from the strategy that we originally set out to match your goals and your risk tolerance. So, basically, as some investment grow and are doing better, they grow, and then other ones kind of gets a little bit smaller. So it is important to do what we call a rebalance every now and then. Basically, what it means is we're just kind of realigning your current investments so we're not changing them. Just moving some from the investments that's gone up a little bit and just kind of realigning it back to your risk profile. So making sure that it continues to reflect the level of risk and return that is appropriate for you. Does that make sense? Yeah. Perfect. Now everything I have touched on, like I said, is outlined in detail in the strategy paper there for you. So in the SOA, it does kind of go over all the advantages in regards to it, some disadvantages to be mindful of as well, and also some risks. So one of the risks is that there's always a level of risk associated with any investment option. The good thing is the advantage and the good thing is that by having more money in net wealth, it's going to perform and do a little bit better for you for your retirement. The the the disadvantage I do wanna let you know is that every time we do change investments, so buying and selling and realigning different investments, because your investments have gone up, there will be a bit of capital gains tax when you make any switches to investment. So I try to limit that as much as possible, but by realigning your investments in your portfolio again, there will be an estimated tax of around 698 just so that you are aware. Now it's all from super, and it is just because we are realigning your investment portfolio, aligned with your risk profile. We don't wanna increase your risk or or anything like that. We wanna make sure that's all aligned for you. Does that make sense, Mary? Yep. Okay. Perfect. Now that was essentially everything. So like I said, pretty straightforward today. If you are happy when you have a time to read over the document, like I said, the recommendation is to just do a little bit of a rollover from rest into net wealth, still keeping 15,000 in rest for your insurances, and then just rebalance your portfolio back through alignment. No other changes. And if you are happy to do that when you do have a look through your your document, there is no additional fees and charges to do that. That is all part of the ongoing advice fee that you pay, which I touched on during the annual review. It stays exactly the same at 1.65. So no additional fees or charges at all to do that. That is all part of the service. Yep. Now I have also, just for your reference, included some information on estate planning. So I have included some information in regards to updating your will, also some power of attorney. It is something I always recommend to everyone. So just have a bit of a read over that for you for me. And there's also some information in regards to your wanting to set up your beneficiaries on Netwealth and rest as well. So making sure that it does go to the person that you would like if something ever would happen to you. Yep. Now that was everything that I kind of needed to touch on on my end. Like I said, there is a little bit more information in the document. So when you have a moment, have a read over it. If you have any questions, you can always give me a callback, and I'm happy to go through it. But if you have a read over it, it all kind of makes sense and you are happy with these couple of changes, I will then need you just to sign that document. You can do it digitally, and it will then automatically send it back to me. And that tells me that you are happy with these couple of changes, and I will let the team know. Lost super authority? Yes. It does take quite a while because it's with the ATO, and they can be a little bit slow. So we we send off the request through them. It can take a couple of months sometimes because they do it in bulk. So sometimes it's good really quickly. Other times, it will take a little while for it to come through. As yeah. But it is a good question, and it is something the team is on through. And if we do get a hit on anything, I will give you a call and let you know. But, yes, it can take a little bit because, yeah, it is unfortunately with the ATO, and they can be a little bit slower at time. Yes. Yes. So you understand. Yep. Mhmm. You get you get yeah. It can say, change and stuff or request can take a little bit for it to come back. Yeah. Yes. Oh, yeah. I can imagine. And and something like this too where it's like we're sending off a lot of requests for for clients is good to do every now and then, like I mentioned. And because we send off, like, a big amount as well, they sometimes, yeah, and everyone would do the same. A lot of other advisers and stuff would do similar. So they they do take a little bit, but we have sent it off, and we will I will let you know as soon as it does come back. Mhmm. No problem. Now, Mary, do you have any other questions for me at this point, or did that kind of make sense? Yeah. Alright. Beautiful. Well, I will let you go and enjoy the rest of your morning. Like I said, when you have a moment, have a look through that email. Any questions, let me know. Okay? It was one email, and when you click on it, similar to the annual review, there will be attachment that you can have a read over. And then at the bottom of the attachment is then the signature if you are happy with that. Yes. Beautiful. Well, thank you. That's okay. Thank you, Mary, and I look forward to speaking with you soon again. Mhmm. Take care. 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morning. Is this Mary? This is Veronica from Oakview Financial. How are you? That's good.\n\nI had you booked in. It is a pretty quick one today. Just to go through the research I did on your Netwealth and Rest account to see if we needed to do any rollovers or anything from our annual review, do you have a couple of minutes for me? Yeah? Okay.\n\nI'll try to make a quick if you are you in the car at the moment? Okay. That's okay. I will try to make it quick for you if you're kind of on the go today. But before I do jump in, I do need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nPerfect. And just for security purposes, just so that I can confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please? Yep. Yep. Perfect.\n\nThank you so much. And how's your morning been? Been pretty busy? Yeah. Alright.\n\nWell, Mary, like I said, it is pretty straightforward. So what I have done is I have just sent you an email with the recommendation. Now I'll just kind of go through the main point with you today. And then when you have a little bit more time, have a look through it. And if you then have any questions, you can always give me a callback.\n\nWould that be okay? Yep. Perfect. Now like I said, I did some research on your rest account and your Netwealth account just to make sure everything is in order if or if we needed to make any couple of changes for your superannuation there for you. It is pretty straightforward.\n\nSo a lot of the document is just for compliance purposes just so that you understand everything. But like I said, I'll let you have a read over it, and there's not much changes I have recommended. The the only change there's only been two small changes. The the only change is that when I did research your rest account and Netwealth, Netwealth has performed better than your rest account. So what I have recommended, it is to roll a little bit of money from rest into net wealth.\n\nSo making sure that we have the most amount of money in the super fund that's going to give you the most amount of growth. Does that make sense? Yep. So at the moment, because you have contributions from your employer going into rest, which is great, that's what we want to keep your insurances in rest active. But that does mean that every now and then, that balance will increase.\n\nSo it is important to do these little kind of rollovers every now and then to making sure that we have more money in Netwealth for you. So at the moment, you have about $21,591 in rest. And what I have recommended is to retain 15,000. The rest will be transferred to Netwealth for you. Still keeping the 15 will allow your insurances to be active, the account be active, and everything like that.\n\nJust literally moving a little bit over to Netwealth. Does that make sense, Mary? Yep. Perfect. Now we're not making any changes to your risk profile.\n\nI'm not changing any of your investments either. We've already done that switch, which we spoke about during the annual review of your your Benelon investment. The only other thing I have recommended is because over time, different investments perform differently. And as a result, the the mix of investments in your super can gradually move away from the strategy that we originally set out to match your goals and your risk tolerance. So, basically, as some investment grow and are doing better, they grow, and then other ones kind of gets a little bit smaller.\n\nSo it is important to do what we call a rebalance every now and then. Basically, what it means is we're just kind of realigning your current investments so we're not changing them. Just moving some from the investments that's gone up a little bit and just kind of realigning it back to your risk profile. So making sure that it continues to reflect the level of risk and return that is appropriate for you. Does that make sense?\n\nYeah. Perfect. Now everything I have touched on, like I said, is outlined in detail in the strategy paper there for you. So in the SOA, it does kind of go over all the advantages in regards to it, some disadvantages to be mindful of as well, and also some risks. So one of the risks is that there's always a level of risk associated with any investment option.\n\nThe good thing is the advantage and the good thing is that by having more money in net wealth, it's going to perform and do a little bit better for you for your retirement. The the the disadvantage I do wanna let you know is that every time we do change investments, so buying and selling and realigning different investments, because your investments have gone up, there will be a bit of capital gains tax when you make any switches to investment. So I try to limit that as much as possible, but by realigning your investments in your portfolio again, there will be an estimated tax of around 698 just so that you are aware. Now it's all from super, and it is just because we are realigning your investment portfolio, aligned with your risk profile. We don't wanna increase your risk or or anything like that.\n\nWe wanna make sure that's all aligned for you. Does that make sense, Mary? Yep. Okay. Perfect.\n\nNow that was essentially everything. So like I said, pretty straightforward today. If you are happy when you have a time to read over the document, like I said, the recommendation is to just do a little bit of a rollover from rest into net wealth, still keeping 15,000 in rest for your insurances, and then just rebalance your portfolio back through alignment. No other changes. And if you are happy to do that when you do have a look through your your document, there is no additional fees and charges to do that.\n\nThat is all part of the ongoing advice fee that you pay, which I touched on during the annual review. It stays exactly the same at 1.65. So no additional fees or charges at all to do that. That is all part of the service. Yep.\n\nNow I have also, just for your reference, included some information on estate planning. So I have included some information in regards to updating your will, also some power of attorney. It is something I always recommend to everyone. So just have a bit of a read over that for you for me. And there's also some information in regards to your wanting to set up your beneficiaries on Netwealth and rest as well.\n\nSo making sure that it does go to the person that you would like if something ever would happen to you. Yep. Now that was everything that I kind of needed to touch on on my end. Like I said, there is a little bit more information in the document. So when you have a moment, have a read over it.\n\nIf you have any questions, you can always give me a callback, and I'm happy to go through it. But if you have a read over it, it all kind of makes sense and you are happy with these couple of changes, I will then need you just to sign that document. You can do it digitally, and it will then automatically send it back to me. And that tells me that you are happy with these couple of changes, and I will let the team know. Lost super authority?\n\nYes. It does take quite a while because it's with the ATO, and they can be a little bit slow. So we we send off the request through them. It can take a couple of months sometimes because they do it in bulk. So sometimes it's good really quickly.\n\nOther times, it will take a little while for it to come through. As yeah. But it is a good question, and it is something the team is on through. And if we do get a hit on anything, I will give you a call and let you know. But, yes, it can take a little bit because, yeah, it is unfortunately with the ATO, and they can be a little bit slower at time.\n\nYes. Yes. So you understand. Yep. Mhmm.\n\nYou get you get yeah. It can say, change and stuff or request can take a little bit for it to come back. Yeah. Yes. Oh, yeah.\n\nI can imagine. And and something like this too where it's like we're sending off a lot of requests for for clients is good to do every now and then, like I mentioned. And because we send off, like, a big amount as well, they sometimes, yeah, and everyone would do the same. A lot of other advisers and stuff would do similar. So they they do take a little bit, but we have sent it off, and we will I will let you know as soon as it does come back.\n\nMhmm. No problem. Now, Mary, do you have any other questions for me at this point, or did that kind of make sense? Yeah. Alright.\n\nBeautiful. Well, I will let you go and enjoy the rest of your morning. Like I said, when you have a moment, have a look through that email. Any questions, let me know. Okay?\n\nIt was one email, and when you click on it, similar to the annual review, there will be attachment that you can have a read over. And then at the bottom of the attachment is then the signature if you are happy with that. Yes. Beautiful. Well, thank you.\n\nThat's okay. Thank you, Mary, and I look forward to speaking with you soon again. Mhmm. Take care. Bye.","paragraphs":[{"sentences":[{"text":"Good morning.","start":1.92,"end":2.48,"sentiment":"neutral","sentiment_score":0.2996016889810562},{"text":"Is this Mary?","start":2.48,"end":3.3799999,"sentiment":"neutral","sentiment_score":0.16627136369546255},{"text":"This is Veronica from Oakview Financial.","start":4.88,"end":7.06,"sentiment":"neutral","sentiment_score":0.17777518928050995},{"text":"How are you?","start":7.2,"end":7.94,"sentiment":"neutral","sentiment_score":0.19235443075497946},{"text":"That's good.","start":10.08,"end":10.98,"sentiment":"positive","sentiment_score":0.7155573070049286}],"sentiment":"neutral","sentiment_score":0.2608029069378972,"num_words":16,"start":1.92,"end":10.98},{"sentences":[{"text":"I had you booked in.","start":11.92,"end":13.075,"sentiment":"neutral","sentiment_score":0.31076549291610717},{"text":"It is a pretty quick one today.","start":13.075,"end":14.775,"sentiment":"neutral","sentiment_score":0.32906375186783926},{"text":"Just to go through the research I did on your Netwealth and Rest account to see if we needed to do any rollovers or anything from our annual review, do you have a couple of minutes for me?","start":14.915,"end":25.32,"sentiment":"neutral","sentiment_score":0.07497869520203064},{"text":"Yeah?","start":30.039999,"end":30.539999,"sentiment":"neutral","sentiment_score":0.03837527707219124},{"text":"Okay.","start":30.68,"end":31.18,"sentiment":"neutral","sentiment_score":0.042083606123924255}],"sentiment":"neutral","sentiment_score":0.13051775054862866,"num_words":52,"start":11.92,"end":31.18},{"sentences":[{"text":"I'll try to make a quick if you are you in the car at the moment?","start":31.32,"end":34.46,"sentiment":"neutral","sentiment_score":0.023532792052719742},{"text":"Okay.","start":36.84,"end":37.335,"sentiment":"neutral","sentiment_score":0.05624767392873764},{"text":"That's okay.","start":37.575,"end":38.315,"sentiment":"neutral","sentiment_score":0.10944799706339836},{"text":"I will try to make it quick for you if you're kind of on the go today.","start":39.575,"end":43.515,"sentiment":"neutral","sentiment_score":0.10244264234514798},{"text":"But before I do jump in, I do need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":44.535,"end":51.915,"sentiment":"neutral","sentiment_score":0.02009070461133012}],"sentiment":"neutral","sentiment_score":0.04659749659162665,"num_words":63,"start":31.32,"end":51.915},{"sentences":[{"text":"Perfect.","start":52.44,"end":52.94,"sentiment":"neutral","sentiment_score":0.2917025685310364},{"text":"And just for security purposes, just so that I can confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please?","start":53.96,"end":63.975,"sentiment":"neutral","sentiment_score":0.0937307341133847},{"text":"Yep.","start":68.055,"end":68.555,"sentiment":"neutral","sentiment_score":0.04087855666875839},{"text":"Yep.","start":71.335,"end":71.835,"sentiment":"neutral","sentiment_score":0.04059990495443344},{"text":"Perfect.","start":79.509995,"end":79.909996,"sentiment":"positive","sentiment_score":0.3995409607887268}],"sentiment":"neutral","sentiment_score":0.10419913028415881,"num_words":38,"start":52.44,"end":79.909996},{"sentences":[{"text":"Thank you so much.","start":79.909996,"end":80.869995,"sentiment":"positive","sentiment_score":0.5026934146881104},{"text":"And how's your morning been?","start":80.869995,"end":82.31,"sentiment":"neutral","sentiment_score":0.08155806213617325},{"text":"Been pretty busy?","start":82.31,"end":83.369995,"sentiment":"neutral","sentiment_score":-0.021649798999230068},{"text":"Yeah.","start":84.869995,"end":85.369995,"sentiment":"neutral","sentiment_score":0.057212889194488525},{"text":"Alright.","start":86.149994,"end":86.549995,"sentiment":"neutral","sentiment_score":0.08436843007802963}],"sentiment":"neutral","sentiment_score":0.17822827797915256,"num_words":14,"start":79.909996,"end":86.549995},{"sentences":[{"text":"Well, Mary, like I said, it is pretty straightforward.","start":86.549995,"end":89.049995,"sentiment":"neutral","sentiment_score":0.21903807752662235},{"text":"So what I have done is I have just sent you an email with the recommendation.","start":89.189995,"end":95.015,"sentiment":"neutral","sentiment_score":0.17328163143247366},{"text":"Now I'll just kind of go through the main point with you today.","start":96.035,"end":99.475006,"sentiment":"neutral","sentiment_score":0.1649632190282528},{"text":"And then when you have a little bit more time, have a look through it.","start":99.475006,"end":103.170006,"sentiment":"neutral","sentiment_score":0.12269331216812134},{"text":"And if you then have any questions, you can always give me a callback.","start":103.170006,"end":106.130005,"sentiment":"neutral","sentiment_score":0.11017756110855512}],"sentiment":"neutral","sentiment_score":0.15330233113534414,"num_words":67,"start":86.549995,"end":106.130005},{"sentences":[{"text":"Would that be okay?","start":106.130005,"end":107.19,"sentiment":"neutral","sentiment_score":0.08408571407198906},{"text":"Yep.","start":108.61,"end":109.11,"sentiment":"neutral","sentiment_score":0.1884942501783371},{"text":"Perfect.","start":109.170006,"end":109.670006,"sentiment":"neutral","sentiment_score":0.3044455051422119},{"text":"Now like I said, I did some research on your rest account and your Netwealth account just to make sure everything is in order if or if we needed to make any couple of changes for your superannuation there for you.","start":110.69,"end":123.845,"sentiment":"neutral","sentiment_score":0.13847448931234638},{"text":"It is pretty straightforward.","start":125.025,"end":126.405,"sentiment":"positive","sentiment_score":0.39903948456048965}],"sentiment":"neutral","sentiment_score":0.15888028650307187,"num_words":51,"start":106.130005,"end":126.405},{"sentences":[{"text":"So a lot of the document is just for compliance purposes just so that you understand everything.","start":126.545,"end":132.885,"sentiment":"neutral","sentiment_score":0.20819060241474824},{"text":"But like I said, I'll let you have a read over it, and there's not much changes I have recommended.","start":133.44,"end":138.58,"sentiment":"neutral","sentiment_score":-0.08426653146743775},{"text":"The the only change there's only been two small changes.","start":139.59999,"end":143.06,"sentiment":"neutral","sentiment_score":-0.14668239429593086},{"text":"The the only change is that when I did research your rest account and Netwealth, Netwealth has performed better than your rest account.","start":143.76,"end":153.80501,"sentiment":"neutral","sentiment_score":0.0014253634473551868},{"text":"So what I have recommended, it is to roll a little bit of money from rest into net wealth.","start":154.66501,"end":161.37,"sentiment":"neutral","sentiment_score":0.26158448661628525}],"sentiment":"neutral","sentiment_score":0.06056150869372186,"num_words":89,"start":126.545,"end":161.37},{"sentences":[{"text":"So making sure that we have the most amount of money in the super fund that's going to give you the most amount of growth.","start":161.75,"end":168.15,"sentiment":"positive","sentiment_score":0.4576703953742981},{"text":"Does that make sense?","start":168.15,"end":169.37,"sentiment":"neutral","sentiment_score":0.22475965321063995},{"text":"Yep.","start":171.19,"end":171.59,"sentiment":"neutral","sentiment_score":0.29755905270576477},{"text":"So at the moment, because you have contributions from your employer going into rest, which is great, that's what we want to keep your insurances in rest active.","start":171.59,"end":181.22499,"sentiment":"positive","sentiment_score":0.37966301451836315},{"text":"But that does mean that every now and then, that balance will increase.","start":181.765,"end":186.345,"sentiment":"neutral","sentiment_score":0.041889189527584955}],"sentiment":"positive","sentiment_score":0.3354011467644866,"num_words":71,"start":161.75,"end":186.345},{"sentences":[{"text":"So it is important to do these little kind of rollovers every now and then to making sure that we have more money in Netwealth for you.","start":186.56499,"end":195.48999,"sentiment":"neutral","sentiment_score":0.25128003899697904},{"text":"So at the moment, you have about $21,591 in rest.","start":195.62999,"end":202.61,"sentiment":"neutral","sentiment_score":0.12156129106879235},{"text":"And what I have recommended is to retain 15,000.","start":203.68501,"end":207.865,"sentiment":"neutral","sentiment_score":0.13560636258787578},{"text":"The rest will be transferred to Netwealth for you.","start":208.085,"end":211.30501,"sentiment":"neutral","sentiment_score":0.18146958119339412},{"text":"Still keeping the 15 will allow your insurances to be active, the account be active, and everything like that.","start":211.925,"end":218.66501,"sentiment":"neutral","sentiment_score":0.26059821836258235}],"sentiment":"neutral","sentiment_score":0.2135841027909034,"num_words":74,"start":186.56499,"end":218.66501},{"sentences":[{"text":"Just literally moving a little bit over to Netwealth.","start":218.86,"end":222.4,"sentiment":"neutral","sentiment_score":0.1142839499645763},{"text":"Does that make sense, Mary?","start":222.54,"end":223.84,"sentiment":"neutral","sentiment_score":0.16286222636699677},{"text":"Yep.","start":225.18,"end":225.58,"sentiment":"neutral","sentiment_score":0.22794614732265472},{"text":"Perfect.","start":225.58,"end":226.08,"sentiment":"positive","sentiment_score":0.45284926891326904},{"text":"Now we're not making any changes to your risk profile.","start":226.45999,"end":229.76,"sentiment":"neutral","sentiment_score":-0.3222468703985214}],"sentiment":"neutral","sentiment_score":-0.026877177162812307,"num_words":26,"start":218.86,"end":229.76},{"sentences":[{"text":"I'm not changing any of your investments either.","start":229.9,"end":233.36,"sentiment":"negative","sentiment_score":-0.3528870902955532},{"text":"We've already done that switch, which we spoke about during the annual review of your your Benelon investment.","start":233.755,"end":239.375,"sentiment":"neutral","sentiment_score":-0.1215035327606731},{"text":"The only other thing I have recommended is because over time, different investments perform differently.","start":240.475,"end":247.615,"sentiment":"neutral","sentiment_score":-0.26877722243467966},{"text":"And as a result, the the mix of investments in your super can gradually move away from the strategy that we originally set out to match your goals and your risk tolerance.","start":248.82,"end":258.52,"sentiment":"negative","sentiment_score":-0.4815929178148508},{"text":"So, basically, as some investment grow and are doing better, they grow, and then other ones kind of gets a little bit smaller.","start":259.06,"end":269.825,"sentiment":"neutral","sentiment_score":-0.32346928767536}],"sentiment":"neutral","sentiment_score":-0.33221443369984627,"num_words":96,"start":229.9,"end":269.825},{"sentences":[{"text":"So it is important to do what we call a rebalance every now and then.","start":269.825,"end":274.565,"sentiment":"neutral","sentiment_score":-0.19805205414692562},{"text":"Basically, what it means is we're just kind of realigning your current investments so we're not changing them.","start":275.37,"end":281.95,"sentiment":"neutral","sentiment_score":0.007560902792546485},{"text":"Just moving some from the investments that's gone up a little bit and just kind of realigning it back to your risk profile.","start":282.17,"end":290.43,"sentiment":"neutral","sentiment_score":0.010259868010230686},{"text":"So making sure that it continues to reflect the level of risk and return that is appropriate for you.","start":291.095,"end":298.135,"sentiment":"neutral","sentiment_score":0.11006947508768032},{"text":"Does that make sense?","start":298.135,"end":299.355,"sentiment":"neutral","sentiment_score":0.10428022220730782}],"sentiment":"neutral","sentiment_score":-0.0011426162304757517,"num_words":79,"start":269.825,"end":299.355},{"sentences":[{"text":"Yeah.","start":300.695,"end":301.195,"sentiment":"neutral","sentiment_score":0.21258291602134705},{"text":"Perfect.","start":301.255,"end":301.755,"sentiment":"positive","sentiment_score":0.48516982793807983},{"text":"Now everything I have touched on, like I said, is outlined in detail in the strategy paper there for you.","start":301.975,"end":309.75,"sentiment":"neutral","sentiment_score":0.10653991885483265},{"text":"So in the SOA, it does kind of go over all the advantages in regards to it, some disadvantages to be mindful of as well, and also some risks.","start":309.75,"end":322.83502,"sentiment":"neutral","sentiment_score":-0.07132980233893313},{"text":"So one of the risks is that there's always a level of risk associated with any investment option.","start":322.83502,"end":328.855,"sentiment":"neutral","sentiment_score":-0.23683630178372064}],"sentiment":"neutral","sentiment_score":-0.05076908085333264,"num_words":69,"start":300.695,"end":328.855},{"sentences":[{"text":"The good thing is the advantage and the good thing is that by having more money in net wealth, it's going to perform and do a little bit better for you for your retirement.","start":329.53,"end":339.31,"sentiment":"positive","sentiment_score":0.6122627218856531},{"text":"The the the disadvantage I do wanna let you know is that every time we do change investments, so buying and selling and realigning different investments, because your investments have gone up, there will be a bit of capital gains tax when you make any switches to investment.","start":341.29,"end":363.47998,"sentiment":"negative","sentiment_score":-0.3973708984752496},{"text":"So I try to limit that as much as possible, but by realigning your investments in your portfolio again, there will be an estimated tax of around 698 just so that you are aware.","start":364.58,"end":381.415,"sentiment":"neutral","sentiment_score":-0.19216513896689696},{"text":"Now it's all from super, and it is just because we are realigning your investment portfolio, aligned with your risk profile.","start":383.075,"end":390.96,"sentiment":"neutral","sentiment_score":0.1442082322069577},{"text":"We don't wanna increase your risk or or anything like that.","start":390.96,"end":394.72,"sentiment":"neutral","sentiment_score":-0.0589647792618383}],"sentiment":"neutral","sentiment_score":-0.016288682453435014,"num_words":148,"start":329.53,"end":394.72},{"sentences":[{"text":"We wanna make sure that's all aligned for you.","start":394.72,"end":397.62,"sentiment":"neutral","sentiment_score":0.24490574333402845},{"text":"Does that make sense, Mary?","start":397.68,"end":399.13998,"sentiment":"neutral","sentiment_score":0.14838605225086213},{"text":"Yep.","start":400.31998,"end":400.72,"sentiment":"neutral","sentiment_score":0.11247916519641876},{"text":"Okay.","start":400.72,"end":401.12,"sentiment":"neutral","sentiment_score":0.2165924906730652},{"text":"Perfect.","start":401.12,"end":401.62,"sentiment":"positive","sentiment_score":0.411041796207428}],"sentiment":"neutral","sentiment_score":0.21683502372573404,"num_words":17,"start":394.72,"end":401.62},{"sentences":[{"text":"Now that was essentially everything.","start":402.265,"end":404.845,"sentiment":"neutral","sentiment_score":0.32297096848487855},{"text":"So like I said, pretty straightforward today.","start":404.98502,"end":407.325,"sentiment":"positive","sentiment_score":0.35292989015579224},{"text":"If you are happy when you have a time to read over the document, like I said, the recommendation is to just do a little bit of a rollover from rest into net wealth, still keeping 15,000 in rest for your insurances, and then just rebalance your portfolio back through alignment.","start":408.105,"end":428.63,"sentiment":"positive","sentiment_score":0.3349617415783452},{"text":"No other changes.","start":430.125,"end":431.265,"sentiment":"neutral","sentiment_score":-0.007626121708502372},{"text":"And if you are happy to do that when you do have a look through your your document, there is no additional fees and charges to do that.","start":432.045,"end":440.625,"sentiment":"positive","sentiment_score":0.6364871646676745}],"sentiment":"positive","sentiment_score":0.4145444163785098,"num_words":94,"start":402.265,"end":440.625},{"sentences":[{"text":"That is all part of the ongoing advice fee that you pay, which I touched on during the annual review.","start":440.92502,"end":447.15,"sentiment":"positive","sentiment_score":0.5782565698027611},{"text":"It stays exactly the same at 1.65.","start":447.15,"end":450.44998,"sentiment":"positive","sentiment_score":0.5908724921090263},{"text":"So no additional fees or charges at all to do that.","start":450.75,"end":453.87,"sentiment":"positive","sentiment_score":0.470434462482279},{"text":"That is all part of the service.","start":453.87,"end":455.49,"sentiment":"positive","sentiment_score":0.5084210506507328},{"text":"Yep.","start":457.245,"end":457.745,"sentiment":"positive","sentiment_score":0.3792284429073334}],"sentiment":"positive","sentiment_score":0.5394389940344769,"num_words":46,"start":440.92502,"end":457.745},{"sentences":[{"text":"Now I have also, just for your reference, included some information on estate planning.","start":457.885,"end":463.185,"sentiment":"neutral","sentiment_score":0.3269693021263395},{"text":"So I have included some information in regards to updating your will, also some power of attorney.","start":463.725,"end":471.76,"sentiment":"positive","sentiment_score":0.40545714602750893},{"text":"It is something I always recommend to everyone.","start":471.76,"end":474.0,"sentiment":"positive","sentiment_score":0.6681950986385345},{"text":"So just have a bit of a read over that for you for me.","start":474.0,"end":477.06003,"sentiment":"positive","sentiment_score":0.5151574632951191},{"text":"And there's also some information in regards to your wanting to set up your beneficiaries on Netwealth and rest as well.","start":477.84003,"end":487.705,"sentiment":"neutral","sentiment_score":0.30697829169886454}],"sentiment":"positive","sentiment_score":0.411819609637196,"num_words":74,"start":457.885,"end":487.705},{"sentences":[{"text":"So making sure that it does go to the person that you would like if something ever would happen to you.","start":487.845,"end":494.405,"sentiment":"neutral","sentiment_score":0.318275110352607},{"text":"Yep.","start":494.405,"end":494.905,"sentiment":"neutral","sentiment_score":0.2899361550807953},{"text":"Now that was everything that I kind of needed to touch on on my end.","start":495.125,"end":498.83002,"sentiment":"neutral","sentiment_score":0.3009024997552236},{"text":"Like I said, there is a little bit more information in the document.","start":498.83002,"end":501.63,"sentiment":"neutral","sentiment_score":0.1918488316811048},{"text":"So when you have a moment, have a read over it.","start":501.63,"end":504.77002,"sentiment":"neutral","sentiment_score":0.23197689652442932}],"sentiment":"neutral","sentiment_score":0.271033305613721,"num_words":61,"start":487.845,"end":504.77002},{"sentences":[{"text":"If you have any questions, you can always give me a callback, and I'm happy to go through it.","start":505.07,"end":510.765,"sentiment":"positive","sentiment_score":0.39972930048641403},{"text":"But if you have a read over it, it all kind of makes sense and you are happy with these couple of changes, I will then need you just to sign that document.","start":511.08502,"end":519.905,"sentiment":"positive","sentiment_score":0.5325742716139014},{"text":"You can do it digitally, and it will then automatically send it back to me.","start":520.205,"end":524.065,"sentiment":"positive","sentiment_score":0.500581294298172},{"text":"And that tells me that you are happy with these couple of changes, and I will let the team know.","start":524.24,"end":529.22,"sentiment":"positive","sentiment_score":0.6690883338451385},{"text":"Lost super authority?","start":553.15,"end":554.61,"sentiment":"neutral","sentiment_score":-0.0013809092342853546}],"sentiment":"positive","sentiment_score":0.5117350115130345,"num_words":90,"start":505.07,"end":554.61},{"sentences":[{"text":"Yes.","start":556.27,"end":556.77,"sentiment":"neutral","sentiment_score":0.010765060782432556},{"text":"It does take quite a while because it's with the ATO, and they can be a little bit slow.","start":560.27,"end":566.175,"sentiment":"neutral","sentiment_score":-0.11584992393067009},{"text":"So we we send off the request through them.","start":566.555,"end":570.175,"sentiment":"neutral","sentiment_score":-0.06837775309880574},{"text":"It can take a couple of months sometimes because they do it in bulk.","start":571.03503,"end":574.895,"sentiment":"neutral","sentiment_score":-0.08073056755321366},{"text":"So sometimes it's good really quickly.","start":574.955,"end":576.815,"sentiment":"neutral","sentiment_score":0.08541087433695793}],"sentiment":"neutral","sentiment_score":-0.06986828513291417,"num_words":49,"start":556.27,"end":576.815},{"sentences":[{"text":"Other times, it will take a little while for it to come through.","start":577.35,"end":581.29,"sentiment":"neutral","sentiment_score":-0.13391666057018134},{"text":"As yeah.","start":581.99,"end":583.91,"sentiment":"neutral","sentiment_score":-0.061162350699305534},{"text":"But it is a good question, and it is something the team is on through.","start":583.91,"end":587.52997,"sentiment":"positive","sentiment_score":0.3996522883574168},{"text":"And if we do get a hit on anything, I will give you a call and let you know.","start":587.75,"end":592.64996,"sentiment":"neutral","sentiment_score":0.0722392687672063},{"text":"But, yes, it can take a little bit because, yeah, it is unfortunately with the ATO, and they can be a little bit slower at time.","start":592.835,"end":600.135,"sentiment":"neutral","sentiment_score":-0.18925509372582802}],"sentiment":"neutral","sentiment_score":0.007779422750075658,"num_words":75,"start":577.35,"end":600.135},{"sentences":[{"text":"Yes.","start":608.85004,"end":609.35004,"sentiment":"neutral","sentiment_score":0.030449053272604942},{"text":"Yes.","start":609.49,"end":609.99,"sentiment":"neutral","sentiment_score":0.029130468145012856},{"text":"So you understand.","start":610.53,"end":611.51,"sentiment":"neutral","sentiment_score":0.01580688636749983},{"text":"Yep.","start":617.855,"end":618.355,"sentiment":"neutral","sentiment_score":-0.0087273633107543},{"text":"Mhmm.","start":622.575,"end":623.075,"sentiment":"neutral","sentiment_score":-0.018539968878030777}],"sentiment":"neutral","sentiment_score":0.01139040690447603,"num_words":7,"start":608.85004,"end":623.075},{"sentences":[{"text":"You get you get yeah.","start":629.47,"end":631.15,"sentiment":"neutral","sentiment_score":-0.02486022263765335},{"text":"It can say, change and stuff or request can take a little bit for it to come back.","start":631.15,"end":637.57,"sentiment":"neutral","sentiment_score":-0.028192814232574567},{"text":"Yeah.","start":637.63,"end":638.13,"sentiment":"neutral","sentiment_score":0.00883091427385807},{"text":"Yes.","start":641.23,"end":641.73,"sentiment":"neutral","sentiment_score":0.04058252647519112},{"text":"Oh, yeah.","start":641.885,"end":642.205,"sentiment":"neutral","sentiment_score":0.0557626336812973}],"sentiment":"neutral","sentiment_score":-0.017438261528257972,"num_words":27,"start":629.47,"end":642.205},{"sentences":[{"text":"I can imagine.","start":642.205,"end":643.185,"sentiment":"neutral","sentiment_score":0.0679126779238383},{"text":"And and something like this too where it's like we're sending off a lot of requests for for clients is good to do every now and then, like I mentioned.","start":643.325,"end":650.145,"sentiment":"neutral","sentiment_score":0.0982317087550958},{"text":"And because we send off, like, a big amount as well, they sometimes, yeah, and everyone would do the same.","start":650.765,"end":657.14,"sentiment":"neutral","sentiment_score":0.05606589186936617},{"text":"A lot of other advisers and stuff would do similar.","start":657.14,"end":659.48004,"sentiment":"neutral","sentiment_score":0.03869326524436474},{"text":"So they they do take a little bit, but we have sent it off, and we will I will let you know as soon as it does come back.","start":659.94,"end":668.84,"sentiment":"neutral","sentiment_score":0.0276561195737329}],"sentiment":"neutral","sentiment_score":0.059358339716234935,"num_words":92,"start":642.205,"end":668.84},{"sentences":[{"text":"Mhmm.","start":670.505,"end":671.005,"sentiment":"neutral","sentiment_score":0.047562189400196075},{"text":"No 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Yes. I'm pretty good. Yeah. Yep. Yep. I've just pulled off. Yep. Yeah. That's fine. Yeah. Mary Ann Fraser, the fifteenth of the sixth nine seventy eight, and 10/2030. Yeah. It has been. Yeah. Yeah. That's fine. Yes. Yeah. Yes. It does. Yeah. Yes. It does. Yeah. Yeah. Yeah. It's ours. Yeah. I am. Yeah. Yeah. Yeah. No worries. Yeah. Yes. Yes. Yeah. Now last time we're talking, you you said that you're going to, like, look for was it unclaimed super or something? Yes. How long does that normally take? All all I can say on that subject is the joys of government department. Yeah. So I book I I work well, I work for Woolies Corporate Dollar, and, look, they're they're pretty much of a much slight differences, but, yeah. Yeah. Exactly. Especially when it comes to maintenance. Yes. Yep. No worries. No. Yes. It all makes sense. Yep. Yes. So was it just the only one email? Okay. No worries. Thank you. Okay. No worries. Okay. Bye. Bye. You too. 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Yes. I'm pretty good. Yeah. Yep.\n\nYep. I've just pulled off. Yep. Yeah. That's fine.\n\nYeah. Mary Ann Fraser, the fifteenth of the sixth nine seventy eight, and 10/2030. Yeah. It has been. Yeah.\n\nYeah. That's fine. Yes. Yeah. Yes.\n\nIt does. Yeah. Yes. It does. Yeah.\n\nYeah. Yeah. It's ours. Yeah. I am.\n\nYeah. Yeah. Yeah. No worries. Yeah.\n\nYes. Yes. Yeah. Now last time we're talking, you you said that you're going to, like, look for was it unclaimed super or something? Yes.\n\nHow long does that normally take? All all I can say on that subject is the joys of government department. Yeah. So I book I I work well, I work for Woolies Corporate Dollar, and, look, they're they're pretty much of a much slight differences, but, yeah. Yeah.\n\nExactly. Especially when it comes to maintenance. Yes. Yep. No worries.\n\nNo. Yes. It all makes sense. Yep. Yes.\n\nSo was it just the only one email? Okay. No worries. Thank you. Okay.\n\nNo worries. Okay. Bye. Bye. You too.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hi.","start":0.56,"end":1.06,"sentiment":"neutral","sentiment_score":0.14438055455684662},{"text":"Yes.","start":3.84,"end":4.34,"sentiment":"neutral","sentiment_score":0.15622633695602417},{"text":"I'm pretty good.","start":8.48,"end":9.3,"sentiment":"positive","sentiment_score":0.6519551078478495},{"text":"Yeah.","start":21.455,"end":21.955,"sentiment":"neutral","sentiment_score":0.056954432278871536},{"text":"Yep.","start":25.619999,"end":26.119999,"sentiment":"neutral","sentiment_score":0.038587793707847595}],"sentiment":"positive","sentiment_score":0.33600206300616264,"num_words":7,"start":0.56,"end":26.119999},{"sentences":[{"text":"Yep.","start":28.9,"end":29.4,"sentiment":"neutral","sentiment_score":0.03969956189393997},{"text":"I've just pulled 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Is this Mary?\n\nChannel 1: Yes.\n\nChannel 0: This is Veronica from Oakview Financial. How are you?\n\nChannel 1: I'm pretty good.\n\nChannel 0: That's good. I had you booked in. It is a pretty quick one today. Just to go through the research I did on your Netwealth and Rest account to see if we needed to do any rollovers or anything\n\nChannel 1: Yeah.\n\nChannel 0: from our annual review, do you have a couple of minutes for me?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yeah? Okay. I'll try to make a quick if you are you in the car at the moment?\n\nChannel 1: I've just pulled off.\n\nChannel 0: Okay. That's okay. I will try to make it quick for you if you're kind of on the go today. But before I do jump in, I do need to let you know that our calls are being recorded for quality and coaching purposes, if that's\n\nChannel 1: Yep.\n\nChannel 0: okay.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect.\n\nChannel 1: That's fine.\n\nChannel 0: And just for security purposes, just so that I can confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please?\n\nChannel 1: Yeah. Mary Ann Fraser, the\n\nChannel 0: Yep.\n\nChannel 1: fifteenth of the sixth nine seventy eight,\n\nChannel 0: Yep.\n\nChannel 1: and 10/2030.\n\nChannel 0: Perfect. Thank you so much. And how's your morning been? Been pretty busy?\n\nChannel 1: Yeah. It has been.\n\nChannel 0: Yeah. Alright.\n\nChannel 1: Yeah.\n\nChannel 0: Well, Mary, like I said, it is pretty straightforward. So what I have done is I have just sent you an email with the recommendation. Now I'll just kind of go through the main point with you today. And then when you have a little bit more time, have a look through it. And if you then have any questions, you can always give me a callback.\n\nWould that be okay?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yep. Perfect. Now like I said, I did some research on your rest account and your Netwealth account just to make sure everything is in order if or if we needed to make any couple of changes for your superannuation\n\nChannel 1: Yes.\n\nChannel 0: there for you. It is pretty straightforward. So a lot of the document is just for compliance purposes just so that you understand everything. But like\n\nChannel 1: Yeah.\n\nChannel 0: I said, I'll let you have a read over it, and there's not much changes I have recommended. The the only change there's only been two small changes. The the only change is that when I did research your rest account and Netwealth, Netwealth has performed better than your rest account. So what I have recommended, it is to roll a little bit of money from rest into net wealth. So making sure that we have the most amount of money in the super fund that's going to give you the most amount of growth.\n\nDoes that make sense?\n\nChannel 1: Yes. It does.\n\nChannel 0: Yep. So at the moment, because you have contributions from your employer going into rest, which is great, that's what we want to keep your insurances in rest active. But that does mean that every now and then, that balance will increase. So it is important to do these little kind of rollovers every now and then to making sure that we have more money in Netwealth for you. So at the moment, you have about $21,591 in rest.\n\nChannel 1: Yeah.\n\nChannel 0: And what I have recommended is to retain 15,000. The rest will be transferred to Netwealth for you. Still keeping\n\nChannel 1: Yes.\n\nChannel 0: the 15 will allow your insurances to be active, the account be active, and everything like that. Just literally moving a little bit over to Netwealth. Does that make sense, Mary?\n\nChannel 1: It does.\n\nChannel 0: Yep. Perfect. Now we're not making any changes to your risk profile. I'm not changing any of your investments either. We've already done that switch, which we spoke about during the annual review of your your Benelon investment.\n\nThe only other thing I have recommended is because over time, different investments perform differently.\n\nChannel 1: Yeah.\n\nChannel 0: And as a result, the the mix of investments in your super can gradually move away from the strategy that we originally set out to match your goals and your risk tolerance.\n\nChannel 1: Yeah.\n\nChannel 0: So, basically, as some investment grow and are doing better, they grow, and then other ones kind of gets a little bit smaller. So it is important to do what we call a rebalance every now and then. Basically, what it means is we're just kind of realigning your current investments so we're not changing them. Just moving some from the investments that's gone up a little bit and just kind\n\nChannel 1: Yeah.\n\nChannel 0: of realigning it back to your risk profile. So making sure that it continues to reflect the level of risk and return that is appropriate for you. Does that make sense?\n\nChannel 1: It's ours.\n\nChannel 0: Yeah. Perfect. Now everything I have touched on, like I said, is outlined in detail in the strategy paper there for you. So in the SOA, it does\n\nChannel 1: Yeah.\n\nChannel 0: kind of go over all the advantages in regards to it, some disadvantages to be mindful of as well, and also some risks. So one of the risks is that there's always a level of risk associated with any investment option.\n\nChannel 1: I am.\n\nChannel 0: The good thing is the advantage and the good thing is that by having more money in net wealth, it's going to perform and do a little bit better for you for your retirement. The the the disadvantage I do wanna let you know is that every time we do change investments, so buying and selling and realigning different investments, because your investments have gone up, there will be a bit of capital gains tax when you make any switches to investment.\n\nChannel 1: Yeah.\n\nChannel 0: So I try to limit that as much as possible, but by realigning your investments in your portfolio again, there will be an estimated tax of around 698 just so that you are aware.\n\nChannel 1: Yeah.\n\nChannel 0: Now it's all from super, and it is just because we are realigning your investment portfolio, aligned with your risk profile. We don't wanna increase your risk or or anything like that. We wanna make sure that's all aligned for you. Does that make sense, Mary? Yep.\n\nOkay. Perfect. Now that was essentially everything. So like I said, pretty straightforward today. If you are happy when you have a time to read over the document, like I said, the recommendation is to just do a little bit of a rollover from rest into net wealth, still keeping 15,000 in rest for your insurances, and then just rebalance your portfolio back through alignment.\n\nChannel 1: Yeah.\n\nChannel 0: No other changes. And if you are happy to do that when you do have a look through your your document, there is no additional fees and charges to do that. That is all part of the ongoing advice fee that you pay, which I touched on during the annual review. It stays exactly the same at 1.65. So no additional fees or charges at all to do that.\n\nThat is all part of the service.\n\nChannel 1: No worries.\n\nChannel 0: Yep. Now I have also, just for your reference, included some information on estate planning. So I have included some information in regards to updating your will, also some power of attorney. It is something I always recommend to everyone. So just have a bit of a read over that for you for me.\n\nAnd there's also some information in regards to your wanting to set up your beneficiaries on Netwealth and rest as well. So making sure that it does go to the person that you would like if something ever would happen to\n\nChannel 1: Yeah.\n\nChannel 0: you. Yep. Now that was everything that I kind of needed to touch on on my end. Like I said, there is a little bit more information in the document. So when you have a moment, have a read over it.\n\nIf you\n\nChannel 1: Yes.\n\nChannel 0: have any questions, you can always give me a callback, and I'm happy to go through it. But if you have a read over it, it all kind of makes sense and you are happy\n\nChannel 1: Yes.\n\nChannel 0: with these couple of changes, I will then need you just to sign that document. You can do it digitally, and it will then automatically send it back to me. And that tells me that you are happy with these couple of changes, and I will let the team know.\n\nChannel 1: Yeah. Now last time we're talking, you you said that you're going to, like, look for was it unclaimed super or something?\n\nChannel 0: Lost super authority?\n\nChannel 1: Yes.\n\nChannel 0: Yes.\n\nChannel 1: How long does that normally take?\n\nChannel 0: It does take quite a while because it's with the ATO, and they can be a little bit slow. So we we send off the request through them. It can take a couple of months sometimes because they do it in bulk. So sometimes it's good really quickly. Other times, it will take a little while for it to come through.\n\nAs yeah. But it is a good question, and it is something the team is on through. And if we do get a hit on anything, I will give you a call and let you know. But, yes, it can take a little bit because, yeah, it is unfortunately with the ATO, and they can be a little bit slower at time.\n\nChannel 1: All all I can say on that subject is the joys of government department. Yeah.\n\nChannel 0: Yes. Yes. So\n\nChannel 1: So\n\nChannel 0: you understand.\n\nChannel 1: I book I I work well, I work for Woolies Corporate Dollar, and,\n\nChannel 0: Yep.\n\nChannel 1: look, they're they're pretty much of a much slight\n\nChannel 0: Mhmm.\n\nChannel 1: differences, but, yeah.\n\nChannel 0: You get you get yeah. It can say, change and stuff or request can take a little bit for it\n\nChannel 1: Yeah.\n\nChannel 0: to come back.\n\nChannel 1: Exactly.\n\nChannel 0: Yeah.\n\nChannel 1: Especially when it comes to maintenance.\n\nChannel 0: Yes. Oh, yeah. I can imagine. And and something like this too where it's like we're sending off a lot of requests for for clients is good to do every now and then, like I mentioned. And\n\nChannel 1: Yes.\n\nChannel 0: because we send off, like, a big amount as well, they sometimes, yeah, and everyone would do the same. A lot of other advisers and stuff would do similar. So they they do take a little bit, but we have sent it off, and we will I will let you know as soon as it does come back.\n\nChannel 1: Yep. No worries.\n\nChannel 0: Mhmm. No problem. Now, Mary, do you have any other questions for me\n\nChannel 1: No.\n\nChannel 0: at this point, or did that kind of make sense?\n\nChannel 1: Yes. It all makes sense.\n\nChannel 0: Yeah. Alright. Beautiful. Well, I will let you go and enjoy the rest of your morning. Like\n\nChannel 1: Yep.\n\nChannel 0: I said, when you have a moment, have a look through that email. Any questions, let me know. Okay?\n\nChannel 1: Yes. So was it just the only one email?\n\nChannel 0: It was one email, and when you click on it, similar to the annual review, there will be attachment that you can have a read over. And then at the bottom of the attachment is then the signature if you are happy with that.\n\nChannel 1: Okay. No worries.\n\nChannel 0: Yes. Beautiful.\n\nChannel 1: Thank you.\n\nChannel 0: Well, thank you. That's okay. Thank you, Mary, and I look forward to speaking with you soon again.\n\nChannel 1: Okay. No worries.\n\nChannel 0: Mhmm.\n\nChannel 1: Okay.\n\nChannel 0: Take care.\n\nChannel 1: Bye. Bye. You too. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":0.56,"end":1.06,"sentiment":"neutral","sentiment_score":0.14438055455684662}],"sentiment":"neutral","sentiment_score":0.14438055455684662,"channel":1,"num_words":1,"start":0.56,"end":1.06},{"sentences":[{"text":"Good morning.","start":1.92,"end":2.48,"sentiment":"neutral","sentiment_score":0.2996016889810562},{"text":"Is this Mary?","start":2.48,"end":3.3799999,"sentiment":"neutral","sentiment_score":0.16627136369546255}],"sentiment":"neutral","sentiment_score":0.2196034938097,"channel":0,"num_words":5,"start":1.92,"end":3.3799999},{"sentences":[{"text":"Yes.","start":3.84,"end":4.34,"sentiment":"neutral","sentiment_score":0.15622633695602417}],"sentiment":"neutral","sentiment_score":0.15622633695602417,"channel":1,"num_words":1,"start":3.84,"end":4.34},{"sentences":[{"text":"This is Veronica from Oakview 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account to see if we needed to do any rollovers or anything","start":14.915,"end":21.255,"sentiment":"neutral","sentiment_score":0.09052563101053238}],"sentiment":"neutral","sentiment_score":0.19362895171611738,"channel":0,"num_words":39,"start":10.08,"end":21.255},{"sentences":[{"text":"Yeah.","start":21.455,"end":21.955,"sentiment":"neutral","sentiment_score":0.056954432278871536}],"sentiment":"neutral","sentiment_score":0.056954432278871536,"channel":1,"num_words":1,"start":21.455,"end":21.955},{"sentences":[{"text":"from our annual review, do you have a couple of minutes for me?","start":21.795,"end":25.32,"sentiment":"neutral","sentiment_score":0.04508074172414266}],"sentiment":"neutral","sentiment_score":0.04508074172414266,"channel":0,"num_words":13,"start":21.795,"end":25.32},{"sentences":[{"text":"Yep.","start":25.619999,"end":26.119999,"sentiment":"neutral","sentiment_score":0.038587793707847595},{"text":"Yep.","start":28.9,"end":29.4,"sentiment":"neutral","sentiment_score":0.03969956189393997}],"sentiment":"neutral","sentiment_score":0.039143677800893784,"channel":1,"num_words":2,"start":25.619999,"end":29.4},{"sentences":[{"text":"Yeah?","start":30.039999,"end":30.539999,"sentiment":"neutral","sentiment_score":0.03837527707219124},{"text":"Okay.","start":30.68,"end":31.18,"sentiment":"neutral","sentiment_score":0.042083606123924255},{"text":"I'll try to make a quick if you are you in the car at the moment?","start":31.32,"end":34.46,"sentiment":"neutral","sentiment_score":0.023532792052719742}],"sentiment":"neutral","sentiment_score":0.025387975335535076,"channel":0,"num_words":18,"start":30.039999,"end":34.46},{"sentences":[{"text":"I've just pulled off.","start":35.059998,"end":36.44,"sentiment":"neutral","sentiment_score":-0.0005994160892441869}],"sentiment":"neutral","sentiment_score":-0.0005994160892441869,"channel":1,"num_words":4,"start":35.059998,"end":36.44},{"sentences":[{"text":"Okay.","start":36.84,"end":37.335,"sentiment":"neutral","sentiment_score":0.05624767392873764},{"text":"That's okay.","start":37.575,"end":38.315,"sentiment":"neutral","sentiment_score":0.10944799706339836},{"text":"I will try to make it quick for you if you're kind of on the go today.","start":39.575,"end":43.515,"sentiment":"neutral","sentiment_score":0.10244264234514798},{"text":"But before I do jump in, I do need to let you know that our calls are being recorded for quality and coaching purposes, if that's","start":44.535,"end":51.415,"sentiment":"neutral","sentiment_score":0.017514752546468608}],"sentiment":"neutral","sentiment_score":0.05374026422024421,"channel":0,"num_words":46,"start":36.84,"end":51.415},{"sentences":[{"text":"Yep.","start":51.235,"end":51.735,"sentiment":"neutral","sentiment_score":0.038311898708343506}],"sentiment":"neutral","sentiment_score":0.038311898708343506,"channel":1,"num_words":1,"start":51.235,"end":51.735},{"sentences":[{"text":"okay.","start":51.415,"end":51.915,"sentiment":"neutral","sentiment_score":0.08706545829772949}],"sentiment":"neutral","sentiment_score":0.08706545829772949,"channel":0,"num_words":1,"start":51.415,"end":51.915},{"sentences":[{"text":"Yeah.","start":52.26,"end":52.5,"sentiment":"neutral","sentiment_score":0.13974794745445251}],"sentiment":"neutral","sentiment_score":0.13974794745445251,"channel":1,"num_words":1,"start":52.26,"end":52.5},{"sentences":[{"text":"Perfect.","start":52.44,"end":52.94,"sentiment":"neutral","sentiment_score":0.2917025685310364}],"sentiment":"neutral","sentiment_score":0.2917025685310364,"channel":0,"num_words":1,"start":52.44,"end":52.94},{"sentences":[{"text":"That's fine.","start":52.5,"end":53.399998,"sentiment":"neutral","sentiment_score":0.26936493813991547}],"sentiment":"neutral","sentiment_score":0.26936493813991547,"channel":1,"num_words":2,"start":52.5,"end":53.399998},{"sentences":[{"text":"And just for security purposes, just so that I can confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please?","start":53.96,"end":63.975,"sentiment":"neutral","sentiment_score":0.0937307341133847}],"sentiment":"neutral","sentiment_score":0.0937307341133847,"channel":0,"num_words":34,"start":53.96,"end":63.975},{"sentences":[{"text":"Yeah.","start":64.265,"end":64.765,"sentiment":"neutral","sentiment_score":0.036125533282756805},{"text":"Mary Ann Fraser, the","start":65.705,"end":68.265,"sentiment":"neutral","sentiment_score":0.0308741326443851}],"sentiment":"neutral","sentiment_score":0.03192441277205944,"channel":1,"num_words":5,"start":64.265,"end":68.265},{"sentences":[{"text":"Yep.","start":68.055,"end":68.555,"sentiment":"neutral","sentiment_score":0.04087855666875839}],"sentiment":"neutral","sentiment_score":0.04087855666875839,"channel":0,"num_words":1,"start":68.055,"end":68.555},{"sentences":[{"text":"fifteenth of the sixth nine seventy eight,","start":68.265,"end":70.925,"sentiment":"neutral","sentiment_score":0.050047392291682105}],"sentiment":"neutral","sentiment_score":0.050047392291682105,"channel":1,"num_words":7,"start":68.265,"end":70.925},{"sentences":[{"text":"Yep.","start":71.335,"end":71.835,"sentiment":"neutral","sentiment_score":0.04059990495443344}],"sentiment":"neutral","sentiment_score":0.04059990495443344,"channel":0,"num_words":1,"start":71.335,"end":71.835},{"sentences":[{"text":"and 10/2030.","start":71.784996,"end":78.7,"sentiment":"neutral","sentiment_score":0.0457859393209219}],"sentiment":"neutral","sentiment_score":0.0457859393209219,"channel":1,"num_words":2,"start":71.784996,"end":78.7},{"sentences":[{"text":"Perfect.","start":79.509995,"end":79.909996,"sentiment":"positive","sentiment_score":0.3995409607887268},{"text":"Thank you so much.","start":79.909996,"end":80.869995,"sentiment":"positive","sentiment_score":0.5026934146881104},{"text":"And how's your morning been?","start":80.869995,"end":82.31,"sentiment":"neutral","sentiment_score":0.08155806213617325},{"text":"Been pretty busy?","start":82.31,"end":83.369995,"sentiment":"neutral","sentiment_score":-0.021649798999230068}],"sentiment":"neutral","sentiment_score":0.2117811948634111,"channel":0,"num_words":13,"start":79.509995,"end":83.369995},{"sentences":[{"text":"Yeah.","start":83.88,"end":84.08,"sentiment":"neutral","sentiment_score":0.016127146780490875},{"text":"It has been.","start":84.08,"end":85.18,"sentiment":"neutral","sentiment_score":0.026373927171031635}],"sentiment":"neutral","sentiment_score":0.023812232073396444,"channel":1,"num_words":4,"start":83.88,"end":85.18},{"sentences":[{"text":"Yeah.","start":84.869995,"end":85.369995,"sentiment":"neutral","sentiment_score":0.057212889194488525},{"text":"Alright.","start":86.149994,"end":86.549995,"sentiment":"neutral","sentiment_score":0.08436843007802963}],"sentiment":"neutral","sentiment_score":0.07079065963625908,"channel":0,"num_words":2,"start":84.869995,"end":86.549995},{"sentences":[{"text":"Yeah.","start":86.52,"end":87.02,"sentiment":"neutral","sentiment_score":0.09007024765014648}],"sentiment":"neutral","sentiment_score":0.09007024765014648,"channel":1,"num_words":1,"start":86.52,"end":87.02},{"sentences":[{"text":"Well, Mary, like I said, it is pretty straightforward.","start":86.549995,"end":89.049995,"sentiment":"neutral","sentiment_score":0.21903807752662235},{"text":"So what I have done is I have just sent you an email with the recommendation.","start":89.189995,"end":95.015,"sentiment":"neutral","sentiment_score":0.17328163143247366},{"text":"Now I'll just kind of go through the main point with you today.","start":96.035,"end":99.475006,"sentiment":"neutral","sentiment_score":0.1649632190282528},{"text":"And then when you have a little bit more time, have a look through it.","start":99.475006,"end":103.170006,"sentiment":"neutral","sentiment_score":0.12269331216812134},{"text":"And if you then have any questions, you can always give me a callback.","start":103.170006,"end":106.130005,"sentiment":"neutral","sentiment_score":0.11017756110855512}],"sentiment":"neutral","sentiment_score":0.15330233113534414,"channel":0,"num_words":67,"start":86.549995,"end":106.130005},{"sentences":[{"text":"Would that be 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morning.","start":682.2,"end":684.86,"sentiment":"positive","sentiment_score":0.6143504702127897},{"text":"Like","start":685.16,"end":685.4,"sentiment":"positive","sentiment_score":0.3419917821884155}],"sentiment":"positive","sentiment_score":0.5500337183475494,"channel":0,"num_words":17,"start":680.505,"end":685.4},{"sentences":[{"text":"Yep.","start":685.305,"end":685.805,"sentiment":"neutral","sentiment_score":0.21495312452316284}],"sentiment":"neutral","sentiment_score":0.21495312452316284,"channel":1,"num_words":1,"start":685.305,"end":685.805},{"sentences":[{"text":"I said, when you have a moment, have a look through that email.","start":685.4,"end":688.12,"sentiment":"neutral","sentiment_score":0.1670271628178083},{"text":"Any questions, let me know.","start":688.12,"end":689.96,"sentiment":"neutral","sentiment_score":0.12563725262880326},{"text":"Okay?","start":689.96,"end":690.46,"sentiment":"neutral","sentiment_score":0.07681964337825775}],"sentiment":"neutral","sentiment_score":0.1513873170080938,"channel":0,"num_words":19,"start":685.4,"end":690.46},{"sentences":[{"text":"Yes.","start":690.825,"end":691.22504,"sentiment":"neutral","sentiment_score":0.06048782169818878},{"text":"So was it just the only one email?","start":691.22504,"end":693.72504,"sentiment":"neutral","sentiment_score":0.04495912231504917}],"sentiment":"neutral","sentiment_score":0.04668453335762024,"channel":1,"num_words":9,"start":690.825,"end":693.72504},{"sentences":[{"text":"It was one email, and when you click on it, similar to the annual review, there will be attachment that you can have a read over.","start":694.455,"end":701.435,"sentiment":"neutral","sentiment_score":0.1142026730454885},{"text":"And then at the bottom of the attachment is then the signature if you are happy with that.","start":701.655,"end":706.235,"sentiment":"neutral","sentiment_score":0.12412944808602333}],"sentiment":"neutral","sentiment_score":0.11826362647116184,"channel":0,"num_words":44,"start":694.455,"end":706.235},{"sentences":[{"text":"Okay.","start":706.12,"end":706.62,"sentiment":"neutral","sentiment_score":0.11633790284395218},{"text":"No worries.","start":707.0,"end":707.74,"sentiment":"neutral","sentiment_score":0.18735725432634354}],"sentiment":"neutral","sentiment_score":0.16368413716554642,"channel":1,"num_words":3,"start":706.12,"end":707.74},{"sentences":[{"text":"Yes.","start":707.25,"end":707.75,"sentiment":"neutral","sentiment_score":0.29249072074890137},{"text":"Beautiful.","start":708.37,"end":708.85,"sentiment":"positive","sentiment_score":0.58024001121521}],"sentiment":"positive","sentiment_score":0.43636536598205566,"channel":0,"num_words":2,"start":707.25,"end":708.85},{"sentences":[{"text":"Thank you.","start":708.44,"end":709.26,"sentiment":"positive","sentiment_score":0.6019933819770813}],"sentiment":"positive","sentiment_score":0.6019933819770813,"channel":1,"num_words":2,"start":708.44,"end":709.26},{"sentences":[{"text":"Well, thank you.","start":708.85,"end":709.64996,"sentiment":"positive","sentiment_score":0.3620753437280655},{"text":"That's okay.","start":709.64996,"end":710.29,"sentiment":"positive","sentiment_score":0.6010800004005432},{"text":"Thank you, Mary, and I look forward to speaking with you soon again.","start":710.29,"end":713.11,"sentiment":"positive","sentiment_score":0.8349958474819477}],"sentiment":"positive","sentiment_score":0.7301851138472557,"channel":0,"num_words":18,"start":708.85,"end":713.11},{"sentences":[{"text":"Okay.","start":713.385,"end":713.865,"sentiment":"neutral","sentiment_score":0.32647454738616943},{"text":"No worries.","start":713.865,"end":714.605,"sentiment":"neutral","sentiment_score":0.2689231187105179}],"sentiment":"neutral","sentiment_score":0.2881069282690684,"channel":1,"num_words":3,"start":713.385,"end":714.605},{"sentences":[{"text":"Mhmm.","start":715.00995,"end":715.25,"sentiment":"neutral","sentiment_score":0.17441487312316897}],"sentiment":"neutral","sentiment_score":0.17441487312316897,"channel":0,"num_words":1,"start":715.00995,"end":715.25},{"sentences":[{"text":"Okay.","start":715.225,"end":715.70496,"sentiment":"neutral","sentiment_score":0.25916850566864014}],"sentiment":"neutral","sentiment_score":0.25916850566864014,"channel":1,"num_words":1,"start":715.225,"end":715.70496},{"sentences":[{"text":"Take care.","start":715.25,"end":715.99,"sentiment":"positive","sentiment_score":0.37130357325077057}],"sentiment":"positive","sentiment_score":0.37130357325077057,"channel":0,"num_words":2,"start":715.25,"end":715.99},{"sentences":[{"text":"Bye.","start":715.70496,"end":716.02496,"sentiment":"neutral","sentiment_score":0.226720929145813},{"text":"Bye.","start":716.02496,"end":716.52496,"sentiment":"neutral","sentiment_score":0.1893706321716309},{"text":"You too.","start":716.58496,"end":717.14496,"sentiment":"neutral","sentiment_score":0.26396311819553375},{"text":"Bye.","start":717.14496,"end":717.64496,"sentiment":"neutral","sentiment_score":0.1455903947353363}],"sentiment":"neutral","sentiment_score":0.21792163848876953,"channel":1,"num_words":5,"start":715.70496,"end":717.64496},{"sentences":[{"text":"Bye.","start":717.73,"end":718.23,"sentiment":"neutral","sentiment_score":-0.12009207904338837}],"sentiment":"neutral","sentiment_score":-0.12009207904338837,"channel":0,"num_words":1,"start":717.73,"end":718.23}]},"summary":{"result":"success","short":"Representatives from Oakview Financial call Mary to confirm her personal information and discuss risk profile. They recommend rolling money from rest into Net adverse while keeping insurance active, realigning investments to match Mary's goals and risk tolerance, and updating her will to avoid extra fees and charges. The agents also provide information on estate planning and offer to set up beneficiaries on Net warriors. The customers are advised to read over information on their will and set up beneficiaries on Net warriors."},"intents":{"segments":[{"text":"Just to go through the research I did on your Netwealth and Rest account to see if we needed to do any rollovers or anything Yeah.","start_word":33,"end_word":58,"intents":[{"intent":"Go through research","confidence_score":0.11762659}]},{"text":"from our annual review, do you have a couple of minutes for me?","start_word":59,"end_word":71,"intents":[{"intent":"Make a quick review","confidence_score":0.00633192}]},{"text":"And just for security purposes, just so that I can confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please? Yeah.","start_word":148,"end_word":182,"intents":[{"intent":"Confirm identity","confidence_score":0.7686358},{"intent":"Confirm identity","confidence_score":0.77737904},{"intent":"Confirm identity","confidence_score":0.53576434}]},{"text":"Well, Mary, like I said, it is pretty straightforward. So what I have done is I have just sent you an email with the recommendation. Now I'll just kind of go through the main point with you today. And then when you have a little bit more time, have a look through it. And if you then have any questions, you can always give me a callback. Would that be okay? Yeah.","start_word":218,"end_word":289,"intents":[{"intent":"Offer callback","confidence_score":0.002832186}]},{"text":"It is pretty straightforward. So a lot of the document is just for compliance purposes just so that you understand everything.","start_word":336,"end_word":356,"intents":[{"intent":"Explain document","confidence_score":0.003733139}]},{"text":"So, basically, as some investment grow and are doing better, they grow, and then other ones kind of gets a little bit smaller. So it is important to do what we call a rebalance every now and then.","start_word":683,"end_word":720,"intents":[{"intent":"Rebalance investments","confidence_score":0.80070907}]},{"text":"Basically, what it means is we're just kind of realigning your current investments so we're not changing them. Just moving some from the investments that's gone up a little bit and just kind Yeah.","start_word":722,"end_word":755,"intents":[{"intent":"Align investments","confidence_score":0.32849437}]},{"text":"So one of the risks is that there's always a level of risk associated with any investment option. I am.","start_word":840,"end_word":859,"intents":[{"intent":"Address risks","confidence_score":0.19489793}]},{"text":"If you are happy when you have a time to read over the document, like I said, the recommendation is to just do a little bit of a rollover from rest into net wealth, still keeping 15,000 in rest for your insurances, and then just rebalance your portfolio back through alignment. Yeah.","start_word":1039,"end_word":1090,"intents":[{"intent":"Rebalance portfolio","confidence_score":0.051841903}]},{"text":"Now I have also, just for your reference, included some information on estate planning. So I have included some information in regards to updating your will, also some power of attorney. It is something I always recommend to everyone. So just have a bit of a read over that for you for me. And there's also some information in regards to your wanting to set up your beneficiaries on Netwealth and rest as well.","start_word":1170,"end_word":1243,"intents":[{"intent":"Provide information","confidence_score":0.045780867}]},{"text":"It is something I always recommend to everyone.","start_word":1201,"end_word":1208,"intents":[{"intent":"Recommend information","confidence_score":0.0026891746}]},{"text":"Now that was everything that I kind of needed to touch on on my end. Like I said, there is a little bit more information in the document. So when you have a moment, have a read over it. If you Yes. have any questions, you can always give me a callback, and I'm happy to go through it. But if you have a read over it, it all kind of makes sense and you are happy Yes.","start_word":1267,"end_word":1344,"intents":[{"intent":"Read document","confidence_score":0.0048115496}]},{"text":"have any questions, you can always give me a callback, and I'm happy to go through it. But if you have a read over it, it all kind of makes sense and you are happy Yes.","start_word":1309,"end_word":1344,"intents":[{"intent":"Answer questions","confidence_score":0.0065800194}]},{"text":"with these couple of changes, I will then need you just to sign that document. You can do it digitally, and it will then automatically send it back to me. And that tells me that you are happy with these couple of changes, and I will let the team know. Yeah.","start_word":1345,"end_word":1395,"intents":[{"intent":"Send document","confidence_score":0.20234695}]},{"text":"Especially when it comes to maintenance. Yes. Oh, yeah.","start_word":1625,"end_word":1633,"intents":[{"intent":"Request maintenance","confidence_score":0.021672498}]},{"text":"And and something like this too where it's like we're sending off a lot of requests for for clients is good to do every now and then, like I mentioned. And Yes.","start_word":1637,"end_word":1668,"intents":[{"intent":"Send request","confidence_score":0.010192088}]},{"text":"Well, I will let you go and enjoy the rest of your morning. Like Yep.","start_word":1762,"end_word":1776,"intents":[{"intent":"Enjoy morning","confidence_score":0.026745016}]}]},"sentiments":{"segments":[{"text":"Hi. Good morning. Is this Mary? Yes. This is Veronica from Oakview Financial. How are you?","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.1890323907136917},{"text":"I'm pretty good. That's good.","start_word":16,"end_word":20,"sentiment":"positive","sentiment_score":0.6773911118507385},{"text":"I had you booked in. It is a pretty quick one today. Just to go through the research I did on your Netwealth and Rest account to see if we needed to do any rollovers or anything Yeah. from our annual review, do you have a couple of minutes for me? Yep. Yep. Yeah? Okay. I'll try to make a quick if you are you in the car at the moment? I've just pulled off. Okay. That's okay. I will try to make it quick for you if you're kind of on the go today. But before I do jump in, I do need to let you know that our calls are being recorded for quality and coaching purposes, if that's Yep. okay. Yeah. Perfect. That's fine. And just for security purposes, just so that I can confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please? Yeah. Mary Ann Fraser, the Yep. fifteenth of the sixth nine seventy eight, Yep. and 10/2030.","start_word":21,"end_word":197,"sentiment":"neutral","sentiment_score":0.08251024037599564},{"text":"Perfect. Thank you so much.","start_word":198,"end_word":202,"sentiment":"positive","sentiment_score":0.4695392847061157},{"text":"And how's your morning been? Been pretty busy? Yeah. It has been. Yeah. Alright. Yeah. Well, Mary, like I said, it is pretty straightforward. So what I have done is I have just sent you an email with the recommendation. Now I'll just kind of go through the main point with you today. And then when you have a little bit more time, have a look through it. And if you then have any questions, you can always give me a callback. Would that be okay? Yeah. That's fine. Yep. Perfect. Now like I said, I did some research on your rest account and your Netwealth account just to make sure everything is in order if or if we needed to make any couple of changes for your superannuation Yes. there for you.","start_word":203,"end_word":335,"sentiment":"neutral","sentiment_score":0.13283874094486237},{"text":"It is pretty straightforward.","start_word":336,"end_word":339,"sentiment":"positive","sentiment_score":0.3930926322937012},{"text":"So a lot of the document is just for compliance purposes just so that you understand everything. But like Yeah. I said, I'll let you have a read over it, and there's not much changes I have recommended. The the only change there's only been two small changes. The the only change is that when I did research your rest account and Netwealth, Netwealth has performed better than your rest account. So what I have recommended, it is to roll a little bit of money from rest into net wealth.","start_word":340,"end_word":429,"sentiment":"neutral","sentiment_score":0.06136028805954589},{"text":"So making sure that we have the most amount of money in the super fund that's going to give you the most amount of growth.","start_word":430,"end_word":454,"sentiment":"positive","sentiment_score":0.4535068273544311},{"text":"Does that make sense? Yes. It does. Yep.","start_word":455,"end_word":462,"sentiment":"neutral","sentiment_score":0.2752729058265686},{"text":"So at the moment, because you have contributions from your employer going into rest, which is great, that's what we want to keep your insurances in rest active.","start_word":463,"end_word":490,"sentiment":"positive","sentiment_score":0.387224406003952},{"text":"But that does mean that every now and then, that balance will increase. So it is important to do these little kind of rollovers every now and then to making sure that we have more money in Netwealth for you. So at the moment, you have about $21,591 in rest. Yeah. And what I have recommended is to retain 15,000. The rest will be transferred to Netwealth for you. Still keeping Yes. the 15 will allow your insurances to be active, the account be active, and everything like that. Just literally moving a little bit over to Netwealth. Does that make sense, Mary? It does. Yep.","start_word":491,"end_word":596,"sentiment":"neutral","sentiment_score":0.17943358421325684},{"text":"Perfect.","start_word":597,"end_word":597,"sentiment":"positive","sentiment_score":0.45284926891326904},{"text":"Now we're not making any changes to your risk profile.","start_word":598,"end_word":607,"sentiment":"neutral","sentiment_score":-0.3076029419898987},{"text":"I'm not changing any of your investments either.","start_word":608,"end_word":615,"sentiment":"negative","sentiment_score":-0.3538937270641327},{"text":"We've already done that switch, which we spoke about during the annual review of your your Benelon investment. The only other thing I have recommended is because over time, different investments perform differently. Yeah.","start_word":616,"end_word":649,"sentiment":"neutral","sentiment_score":-0.19530251622200012},{"text":"And as a result, the the mix of investments in your super can gradually move away from the strategy that we originally set out to match your goals and your risk tolerance.","start_word":650,"end_word":681,"sentiment":"negative","sentiment_score":-0.47627976536750793},{"text":"Yeah. So, basically, as some investment grow and are doing better, they grow, and then other ones kind of gets a little bit smaller. So it is important to do what we call a rebalance every now and then. Basically, what it means is we're just kind of realigning your current investments so we're not changing them. Just moving some from the investments that's gone up a little bit and just kind Yeah. of realigning it back to your risk profile. So making sure that it continues to reflect the level of risk and return that is appropriate for you. Does that make sense? It's ours. Yeah.","start_word":682,"end_word":788,"sentiment":"neutral","sentiment_score":-0.07062891251015886},{"text":"Perfect.","start_word":789,"end_word":789,"sentiment":"positive","sentiment_score":0.48516982793807983},{"text":"Now everything I have touched on, like I said, is outlined in detail in the strategy paper there for you. So in the SOA, it does Yeah. kind of go over all the advantages in regards to it, some disadvantages to be mindful of as well, and also some risks. So one of the risks is that there's always a level of risk associated with any investment option. I am.","start_word":790,"end_word":859,"sentiment":"neutral","sentiment_score":-0.06381966173648834},{"text":"The good thing is the advantage and the good thing is that by having more money in net wealth, it's going to perform and do a little bit better for you for your retirement.","start_word":860,"end_word":893,"sentiment":"positive","sentiment_score":0.6174203753471375},{"text":"The the the disadvantage I do wanna let you know is that every time we do change investments, so buying and selling and realigning different investments, because your investments have gone up, there will be a bit of capital gains tax when you make any switches to investment.","start_word":894,"end_word":941,"sentiment":"negative","sentiment_score":-0.39445585012435913},{"text":"Yeah. So I try to limit that as much as possible, but by realigning your investments in your portfolio again, there will be an estimated tax of around 698 just so that you are aware. Yeah. Now it's all from super, and it is just because we are realigning your investment portfolio, aligned with your risk profile. We don't wanna increase your risk or or anything like that. We wanna make sure that's all aligned for you. Does that make sense, Mary? Yep. Okay.","start_word":942,"end_word":1025,"sentiment":"neutral","sentiment_score":0.012390679679811},{"text":"Perfect.","start_word":1026,"end_word":1026,"sentiment":"positive","sentiment_score":0.411041796207428},{"text":"Now that was essentially everything.","start_word":1027,"end_word":1031,"sentiment":"neutral","sentiment_score":0.3142799139022827},{"text":"So like I said, pretty straightforward today.","start_word":1032,"end_word":1038,"sentiment":"positive","sentiment_score":0.3553885817527771},{"text":"If you are happy when you have a time to read over the document, like I said, the recommendation is to just do a little bit of a rollover from rest into net wealth, still keeping 15,000 in rest for your insurances, and then just rebalance your portfolio back through alignment. Yeah. No other changes.","start_word":1039,"end_word":1093,"sentiment":"neutral","sentiment_score":0.30398988723754883},{"text":"And if you are happy to do that when you do have a look through your your document, there is no additional fees and charges to do that. That is all part of the ongoing advice fee that you pay, which I touched on during the annual review. It stays exactly the same at 1.65. So no additional fees or charges at all to do that. That is all part of the service. No worries. Yep.","start_word":1094,"end_word":1169,"sentiment":"positive","sentiment_score":0.561926007270813},{"text":"Now I have also, just for your reference, included some information on estate planning.","start_word":1170,"end_word":1183,"sentiment":"neutral","sentiment_score":0.32658159732818604},{"text":"So I have included some information in regards to updating your will, also some power of attorney. It is something I always recommend to everyone. So just have a bit of a read over that for you for me.","start_word":1184,"end_word":1222,"sentiment":"positive","sentiment_score":0.4952428340911865},{"text":"And there's also some information in regards to your wanting to set up your beneficiaries on Netwealth and rest as well. So making sure that it does go to the person that you would like if something ever would happen to Yeah. you. Yep. Now that was everything that I kind of needed to touch on on my end. Like I said, there is a little bit more information in the document. So when you have a moment, have a read over it. If you Yes.","start_word":1223,"end_word":1308,"sentiment":"neutral","sentiment_score":0.274870365858078},{"text":"have any questions, you can always give me a callback, and I'm happy to go through it. But if you have a read over it, it all kind of makes sense and you are happy Yes. with these couple of changes, I will then need you just to sign that document. You can do it digitally, and it will then automatically send it back to me. And that tells me that you are happy with these couple of changes, and I will let the team know.","start_word":1309,"end_word":1394,"sentiment":"positive","sentiment_score":0.5279584527015686},{"text":"Yeah. Now last time we're talking, you you said that you're going to, like, look for was it unclaimed super or something? Lost super authority? Yes. Yes. How long does that normally take? It does take quite a while because it's with the ATO, and they can be a little bit slow. So we we send off the request through them. It can take a couple of months sometimes because they do it in bulk. So sometimes it's good really quickly. Other times, it will take a little while for it to come through. As yeah.","start_word":1395,"end_word":1490,"sentiment":"neutral","sentiment_score":-0.04494369029998779},{"text":"But it is a good question, and it is something the team is on through.","start_word":1491,"end_word":1505,"sentiment":"positive","sentiment_score":0.39935651421546936},{"text":"And if we do get a hit on anything, I will give you a call and let you know. But, yes, it can take a little bit because, yeah, it is unfortunately with the ATO, and they can be a little bit slower at time. All all I can say on that subject is the joys of government department. Yeah. Yes. Yes. So So you understand. I book I I work well, I work for Woolies Corporate Dollar, and, Yep. look, they're they're pretty much of a much slight Mhmm. differences, but, yeah. You get you get yeah. It can say, change and stuff or request can take a little bit for it Yeah. to come back. Exactly. Yeah. Especially when it comes to maintenance. Yes. Oh, yeah. I can imagine. And and something like this too where it's like we're sending off a lot of requests for for clients is good to do every now and then, like I mentioned. And Yes. because we send off, like, a big amount as well, they sometimes, yeah, and everyone would do the same. A lot of other advisers and stuff would do similar. So they they do take a little bit, but we have sent it off, and we will I will let you know as soon as it does come back. Yep. No worries. Mhmm. No problem. Now, Mary, do you have any other questions for me No. at this point, or did that kind of make sense? Yes. It all makes sense. Yeah. Alright.","start_word":1506,"end_word":1760,"sentiment":"neutral","sentiment_score":0.014283661730587482},{"text":"Beautiful. Well, I will let you go and enjoy the rest of your morning.","start_word":1761,"end_word":1774,"sentiment":"positive","sentiment_score":0.6011776924133301},{"text":"Like Yep. I said, when you have a moment, have a look through that email. Any questions, let me know. Okay? Yes. So was it just the only one email? It was one email, and when you click on it, similar to the annual review, there will be attachment that you can have a read over. And then at the bottom of the attachment is then the signature if you are happy with that. Okay. No worries. Yes.","start_word":1775,"end_word":1852,"sentiment":"neutral","sentiment_score":0.13023924827575684},{"text":"Beautiful. Thank you. Well, thank you. That's okay. Thank you, Mary, and I look forward to speaking with you soon again.","start_word":1853,"end_word":1873,"sentiment":"positive","sentiment_score":0.6950931463922773},{"text":"Okay. No worries. Mhmm. Okay.","start_word":1874,"end_word":1878,"sentiment":"neutral","sentiment_score":0.2434430569410324},{"text":"Take care.","start_word":1879,"end_word":1880,"sentiment":"positive","sentiment_score":0.36266252398490906},{"text":"Bye. Bye. You too. Bye. Bye.","start_word":1881,"end_word":1886,"sentiment":"neutral","sentiment_score":0.18548153340816495}],"average":{"sentiment":"neutral","sentiment_score":0.13248451933222555}}}}