{"metadata":{"transaction_key":"deprecated","request_id":"019e00db-a947-7ef0-8447-61facb6fa2d9","sha256":"908c4eba8fb13dfbb36f0e5cae8bea164b139d3a2000c56fe324d53eff86d235","created":"2026-05-07T05:14:18.167Z","duration":748.07996,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":2977,"output_tokens":103},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3292,"output_tokens":3299},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3292,"output_tokens":376}},"results":{"channels":[{"alternatives":[{"transcript":"Hi, Anna. It's Dana from OT Financial. How are you this afternoon? I'm very well. Thank you. Thanks for asking. I would just give you a quick call to see if you had some time this afternoon just to run through your updated statement of advice. Yeah. That's okay. Well, I can make a fit within that time. Not an issue at all. Excellent. Before I jump into the call, I will just let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Beautiful. And as for the security, I'm discussing your personal information. So I just need to confirm your full name, your date of birth, and address I should have on file. K. Beautiful. Thank you so much for that. I'll try to keep this nice and short and sweet, and I've sent the document here to review a bit after as well. But when you and I spoke last time, we looked at this updating the advice. You had a retention to retain MLC for the insurances. So we were looking at whether we could get new cover for you. Unfortunately, because that breast cancer diagnosis is still kind of in twenty twenty twenty twenty one, new insurers won't sort of look at anything at the moment, so we are gonna have to retain the MLC for the time being to keep the cover. In saying that, when I had a bit of a look back at your goals there, you were wanting to essentially pay off all your debts with your life and TBD in the event that something happens to you. So with your MLC cover, you're covered for about $117,002.28 at the moment, but then you've also got a really good super balance of $428,004.04 3 and another 19 odd thousand in MLC as well. So in the event of a yeah. So in the event of a life event, so you you to pass away, your life insurance does actually pay off your mortgage and, I believe, your car loan as well. So it covers all of your debts. And then the rest of the benefit plus your super can be paid out to your beneficiaries as additional buffer for them. And with the TBD, the same thing. So if anything was to happen with TBD, the amount of cover you have does pay out all of your debts to leave you debt free. And then we can also claim incapacity against TBD as well to have your super both released to provide additional benefit for you as well. So, Bill, yeah, so, realistically, whilst we're unable to look at getting new cover now, it does also mean that with the benefit you have, you're not paying great deal for it. It's a bit over a thousand dollars for the year for the cover you have, and retaining that life and TBD benefit does work better for you at the moment. So I am retaining that one. It doesn't mean we are retaining the income protection. It is a little bit under you are slightly underinsured with regards to income protection only just slightly with given your income. But because of we're not sort of six to seven years out from that cancer diagnosis with your breast cancer. So because of that, we're not able to get new cover as of yet. So it did mean retaining it. But I did go back and have a really good look, and I asked the insurers what they were willing to come back with. And, unfortunately, it was a tough one. But we'll make sure that you are still you know, you are covered, which is really important. Okay? Yeah. That's okay. So I am recommending we retain the MLC there. I am recommending that we do move all but 10,000 out. So we do wanna do a regular yearly rollover and and everything over that $10,000. So it does mean at the moment, it's about a $9,000 rollover into hub twenty four there. The other thing you and I had a chat about was looking at your portfolio, how it was performing, getting rid of any underperforming investments, but you also wanted to have a bit of a look at whether there was any other commodities worth holding as well because your gold and silver had done really, really nicely. With that, I've reviewed that for you. We are removing all of the Benelong Australian equities. That's been underperforming in your portfolio. As much as you've seen a great return this year, it has been underperforming. It is worth getting rid of that investment. And instead of having the the Benelong in there, we're gonna move the funds into the Australian 200, which is a cheaper investment, and it's actually proven great greater performance over the past. So the newer portfolio provides a greater track record for you. It's also cheaper. When I looked at the difference between the portfolios for the year, we're actually saving $1,114 on investment fees. So this, yeah, so this newer portfolio has been performing a little bit better, but also making sure we're saving on investment fees for keeping more money invested for you, which is a positive. Now the other thing I did look at was I know your gold and silver has been performing beautifully. I'm not getting rid of any of that. I'm keeping it, but I am rebalancing it because at the moment, you're in a growth meant to be in more of a growth environment, which is a eighty twenty split. When I look at your risk profile, the way you're invested at the moment is you're actually 98% invested in growth assets. So you are taking a lot more risk than what you're comfortable with at the moment. So I'm keeping the keeping the gold and silver in there. I'm just selling some of it to rebalance your portfolio to bring your risk level down because they're growth investments. And we're cementing some of the gains that they've seen and distributing those across other areas to make sure we keep rebalancing the portfolio, keep your risk level as low as possible, but also making sure that we're compounding those gains so they can keep growing and building for you. Does that make sense? Yep. Beautiful. The other thing is within Hub twenty four, they only allow you to hold about 40% of your total portfolio in alternatives, so, like, gold and silver. So you were actually about 53% when I had a look last time. So we're gonna rebalance that before they tell us we have to, and it brings you back down just under that 40%. So we're keeping you at 39% invested there just under the limit that Hub allow us. So keeping those, Yeah. It does mean that because they are the best performers in commodities, I haven't been able to add any other metals in there. But I've had a really good look, and because you do have the a 200, you've got some tech in there, and you've also got the S and P 500, You are also invested in other areas like mining and things like that. So you would do have other indirect exposure into other minerals as well to give you a bit of clarity. Okay? Yeah. All good. Yes. Yes. It will. Yeah. So, essentially, what we'll be doing is just selling all of the banner along a little bit of the gold, a little bit of the silver, and some of the Asia, and then we're moving all that the money that we're selling into our cybersecurity to bring you up a little bit there, giving you some more exposure into the Europe because Europe is still a growing area and it's diversifying your portfolio. Increasing your exposure into the S and P five hundred, which is giving you more indirect access to some of those other minerals and mining companies. Buying into the Australian 200 to give you exposure into the top 200 companies on the ASX. We're also increasing and giving defensive investment. So looking at I the iShield yield yield plus, which is high interest income producing, so we're thinking things like fixed interest and bonds to give you some diversification. But because at the moment, you have a lot of growth assets that diversification. But because at the moment, you have a lot of growth assets and next to no defensive assets, we gotta have some of those low risk defensive assets in there for you. And then with the Morningstar global tech sector, which again is giving you some more, you know, underlying indirect exposure to the tech as well as the mining sector, we're gonna go from three to 5% in there. So I didn't wanna, you know, reduce the gold and silver holdings below that per point. Because when I look at minerals as a whole, gold has has been the best performer. Silver has also been a really good performer. The other minerals out there, like platinum and copper and things, they do perform quite well, but they are also very volatile, very risky. So the way I sort of see putting this for you is keeping your direct exposure to those safer minerals, like the gold and silver that have shown you they're performing quite well. And then everything else that is seen is a little bit more risky and is more volatile than we have indirect exposure that way. So we're also diversifying and protecting your portfolio a little bit if that makes sense. Yeah. Oh, good. And, look, as a whole, it's actually also saving you in investment fees. As I said, we'll save $1,114 for the year in investment fees. That's a huge saving. There are CGT consequences for doing the switch of the investments there. Your super fund will account for that. It's about 2,177, but I figured with everything you've seen and with the gains that you had out of your portfolio and your balance, that CGT is very minimal, which is fantastic. And then we're saving fees in other areas for you, which is a positive, and lowering your overall risk, which is a really good thing in the current climate with the current market conditions that we have as well. So, yeah, does that make sense? Yeah. Do you have any questions so far? Sorry. I've tried to keep it as brief as possible for you. Oh, fantastic. Oh, good. Good. Well, look, I've sent you the documents, so run your eyes over it. I've outlined step by step the set essentially oh, you have. You're a gem. Do you want me to resend you a copy of it to your email to sort of have a bit of a look at after? Or yeah. Oh, oh, thank you. Well, I promise I will never do anything that doesn't that does isn't there to work in your best interest. And that's the other thing is in these advice documents, I do have a best interest duty statement which outlines why I'm making the recommendations and how it aligns to your goals there. And I've actually sort of had a look at the retirement projections for you. So by by retaining, by making this switch and seeing things projected forward, you're actually staying pretty well on track to get a really good retirement income. We're aiming for around 75,000 in retirement per year at the moment. And with what we're projected forward, it looks like we're actually aiming for that. I've also had a look at your age pension eligibility. You'll be eligible for some age pension as well to supplement some of that income, which is fantastic. But retirement projection wise, you're pretty well on track for a good retirement of that 75,000 per year plus some age pension to supplement there, and your super looks ready to sort of hold on. We should be able to keep it going to about age 90 at this point. So we wanna keep building and growing on that, but thus far with the retirement projections, we're doing really well so far. So yeah. Yeah. Oh, good. That's okay. I will shoot a copy of that document to you as well just so you have it in your emails. You're welcome to read it through and let me know if you do happen to have any questions. And, yeah, I will thank you so much for taking my call. I'm so sorry. That's okay. Oh, it's honestly absolutely fine. That's why we sent that message through. And I sort of checked my emails late last night, and I saw the message come back. I thought, oh, good. I'll give you an off the cuff call this afternoon, see how you're going, see if you got a few minutes for me, and we'll get this sorted for you nice and quickly. So yeah. Oh, not a problem, Anna. I'll let you go to have a good afternoon. I'll get that email through as soon as you find you have any questions later on, let me know. Okay? That's okay. You too. Thank you so much. Enjoy your weekend. Thanks, Anna. See you later. 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Anna. It's Dana from OT Financial. How are you this afternoon? I'm very well. Thank you.\n\nThanks for asking. I would just give you a quick call to see if you had some time this afternoon just to run through your updated statement of advice. Yeah. That's okay. Well, I can make a fit within that time.\n\nNot an issue at all. Excellent. Before I jump into the call, I will just let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Beautiful.\n\nAnd as for the security, I'm discussing your personal information. So I just need to confirm your full name, your date of birth, and address I should have on file. K. Beautiful. Thank you so much for that.\n\nI'll try to keep this nice and short and sweet, and I've sent the document here to review a bit after as well. But when you and I spoke last time, we looked at this updating the advice. You had a retention to retain MLC for the insurances. So we were looking at whether we could get new cover for you. Unfortunately, because that breast cancer diagnosis is still kind of in twenty twenty twenty twenty one, new insurers won't sort of look at anything at the moment, so we are gonna have to retain the MLC for the time being to keep the cover.\n\nIn saying that, when I had a bit of a look back at your goals there, you were wanting to essentially pay off all your debts with your life and TBD in the event that something happens to you. So with your MLC cover, you're covered for about $117,002.28 at the moment, but then you've also got a really good super balance of $428,004.04 3 and another 19 odd thousand in MLC as well. So in the event of a yeah. So in the event of a life event, so you you to pass away, your life insurance does actually pay off your mortgage and, I believe, your car loan as well. So it covers all of your debts.\n\nAnd then the rest of the benefit plus your super can be paid out to your beneficiaries as additional buffer for them. And with the TBD, the same thing. So if anything was to happen with TBD, the amount of cover you have does pay out all of your debts to leave you debt free. And then we can also claim incapacity against TBD as well to have your super both released to provide additional benefit for you as well. So, Bill, yeah, so, realistically, whilst we're unable to look at getting new cover now, it does also mean that with the benefit you have, you're not paying great deal for it.\n\nIt's a bit over a thousand dollars for the year for the cover you have, and retaining that life and TBD benefit does work better for you at the moment. So I am retaining that one. It doesn't mean we are retaining the income protection. It is a little bit under you are slightly underinsured with regards to income protection only just slightly with given your income. But because of we're not sort of six to seven years out from that cancer diagnosis with your breast cancer.\n\nSo because of that, we're not able to get new cover as of yet. So it did mean retaining it. But I did go back and have a really good look, and I asked the insurers what they were willing to come back with. And, unfortunately, it was a tough one. But we'll make sure that you are still you know, you are covered, which is really important.\n\nOkay? Yeah. That's okay. So I am recommending we retain the MLC there. I am recommending that we do move all but 10,000 out.\n\nSo we do wanna do a regular yearly rollover and and everything over that $10,000. So it does mean at the moment, it's about a $9,000 rollover into hub twenty four there. The other thing you and I had a chat about was looking at your portfolio, how it was performing, getting rid of any underperforming investments, but you also wanted to have a bit of a look at whether there was any other commodities worth holding as well because your gold and silver had done really, really nicely. With that, I've reviewed that for you. We are removing all of the Benelong Australian equities.\n\nThat's been underperforming in your portfolio. As much as you've seen a great return this year, it has been underperforming. It is worth getting rid of that investment. And instead of having the the Benelong in there, we're gonna move the funds into the Australian 200, which is a cheaper investment, and it's actually proven great greater performance over the past. So the newer portfolio provides a greater track record for you.\n\nIt's also cheaper. When I looked at the difference between the portfolios for the year, we're actually saving $1,114 on investment fees. So this, yeah, so this newer portfolio has been performing a little bit better, but also making sure we're saving on investment fees for keeping more money invested for you, which is a positive. Now the other thing I did look at was I know your gold and silver has been performing beautifully. I'm not getting rid of any of that.\n\nI'm keeping it, but I am rebalancing it because at the moment, you're in a growth meant to be in more of a growth environment, which is a eighty twenty split. When I look at your risk profile, the way you're invested at the moment is you're actually 98% invested in growth assets. So you are taking a lot more risk than what you're comfortable with at the moment. So I'm keeping the keeping the gold and silver in there. I'm just selling some of it to rebalance your portfolio to bring your risk level down because they're growth investments.\n\nAnd we're cementing some of the gains that they've seen and distributing those across other areas to make sure we keep rebalancing the portfolio, keep your risk level as low as possible, but also making sure that we're compounding those gains so they can keep growing and building for you. Does that make sense? Yep. Beautiful. The other thing is within Hub twenty four, they only allow you to hold about 40% of your total portfolio in alternatives, so, like, gold and silver.\n\nSo you were actually about 53% when I had a look last time. So we're gonna rebalance that before they tell us we have to, and it brings you back down just under that 40%. So we're keeping you at 39% invested there just under the limit that Hub allow us. So keeping those, Yeah. It does mean that because they are the best performers in commodities, I haven't been able to add any other metals in there.\n\nBut I've had a really good look, and because you do have the a 200, you've got some tech in there, and you've also got the S and P 500, You are also invested in other areas like mining and things like that. So you would do have other indirect exposure into other minerals as well to give you a bit of clarity. Okay? Yeah. All good.\n\nYes. Yes. It will. Yeah. So, essentially, what we'll be doing is just selling all of the banner along a little bit of the gold, a little bit of the silver, and some of the Asia, and then we're moving all that the money that we're selling into our cybersecurity to bring you up a little bit there, giving you some more exposure into the Europe because Europe is still a growing area and it's diversifying your portfolio.\n\nIncreasing your exposure into the S and P five hundred, which is giving you more indirect access to some of those other minerals and mining companies. Buying into the Australian 200 to give you exposure into the top 200 companies on the ASX. We're also increasing and giving defensive investment. So looking at I the iShield yield yield plus, which is high interest income producing, so we're thinking things like fixed interest and bonds to give you some diversification. But because at the moment, you have a lot of growth assets that diversification.\n\nBut because at the moment, you have a lot of growth assets and next to no defensive assets, we gotta have some of those low risk defensive assets in there for you. And then with the Morningstar global tech sector, which again is giving you some more, you know, underlying indirect exposure to the tech as well as the mining sector, we're gonna go from three to 5% in there. So I didn't wanna, you know, reduce the gold and silver holdings below that per point. Because when I look at minerals as a whole, gold has has been the best performer. Silver has also been a really good performer.\n\nThe other minerals out there, like platinum and copper and things, they do perform quite well, but they are also very volatile, very risky. So the way I sort of see putting this for you is keeping your direct exposure to those safer minerals, like the gold and silver that have shown you they're performing quite well. And then everything else that is seen is a little bit more risky and is more volatile than we have indirect exposure that way. So we're also diversifying and protecting your portfolio a little bit if that makes sense. Yeah.\n\nOh, good. And, look, as a whole, it's actually also saving you in investment fees. As I said, we'll save $1,114 for the year in investment fees. That's a huge saving. There are CGT consequences for doing the switch of the investments there.\n\nYour super fund will account for that. It's about 2,177, but I figured with everything you've seen and with the gains that you had out of your portfolio and your balance, that CGT is very minimal, which is fantastic. And then we're saving fees in other areas for you, which is a positive, and lowering your overall risk, which is a really good thing in the current climate with the current market conditions that we have as well. So, yeah, does that make sense? Yeah.\n\nDo you have any questions so far? Sorry. I've tried to keep it as brief as possible for you. Oh, fantastic. Oh, good.\n\nGood. Well, look, I've sent you the documents, so run your eyes over it. I've outlined step by step the set essentially oh, you have. You're a gem. Do you want me to resend you a copy of it to your email to sort of have a bit of a look at after?\n\nOr yeah. Oh, oh, thank you. Well, I promise I will never do anything that doesn't that does isn't there to work in your best interest. And that's the other thing is in these advice documents, I do have a best interest duty statement which outlines why I'm making the recommendations and how it aligns to your goals there. And I've actually sort of had a look at the retirement projections for you.\n\nSo by by retaining, by making this switch and seeing things projected forward, you're actually staying pretty well on track to get a really good retirement income. We're aiming for around 75,000 in retirement per year at the moment. And with what we're projected forward, it looks like we're actually aiming for that. I've also had a look at your age pension eligibility. You'll be eligible for some age pension as well to supplement some of that income, which is fantastic.\n\nBut retirement projection wise, you're pretty well on track for a good retirement of that 75,000 per year plus some age pension to supplement there, and your super looks ready to sort of hold on. We should be able to keep it going to about age 90 at this point. So we wanna keep building and growing on that, but thus far with the retirement projections, we're doing really well so far. So yeah. Yeah.\n\nOh, good. That's okay. I will shoot a copy of that document to you as well just so you have it in your emails. You're welcome to read it through and let me know if you do happen to have any questions. And, yeah, I will thank you so much for taking my call.\n\nI'm so sorry. That's okay. Oh, it's honestly absolutely fine. That's why we sent that message through. And I sort of checked my emails late last night, and I saw the message come back.\n\nI thought, oh, good. I'll give you an off the cuff call this afternoon, see how you're going, see if you got a few minutes for me, and we'll get this sorted for you nice and quickly. So yeah. Oh, not a problem, Anna. I'll let you go to have a good afternoon.\n\nI'll get that email through as soon as you find you have any questions later on, let me know. Okay? That's okay. You too. Thank you so much.\n\nEnjoy your weekend. Thanks, Anna. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Anna.","start":1.5999999,"end":2.24,"sentiment":"neutral","sentiment_score":0.08920653909444809},{"text":"It's Dana from OT Financial.","start":2.24,"end":3.9399998,"sentiment":"neutral","sentiment_score":0.11596534997224808},{"text":"How are you this afternoon?","start":4.0,"end":5.14,"sentiment":"neutral","sentiment_score":0.15688545107841492},{"text":"I'm very well.","start":8.08,"end":9.04,"sentiment":"positive","sentiment_score":0.508883019288381},{"text":"Thank you.","start":9.04,"end":9.44,"sentiment":"positive","sentiment_score":0.6554398238658905}],"sentiment":"neutral","sentiment_score":0.25765857582583146,"num_words":17,"start":1.5999999,"end":9.44},{"sentences":[{"text":"Thanks for asking.","start":9.44,"end":10.32,"sentiment":"positive","sentiment_score":0.609201967716217},{"text":"I would just give you a quick call to see if you had some time this afternoon just to run through your updated statement of advice.","start":10.559999,"end":16.135,"sentiment":"neutral","sentiment_score":0.13796807624972784},{"text":"Yeah.","start":20.115,"end":20.355,"sentiment":"neutral","sentiment_score":0.12491567432880402},{"text":"That's okay.","start":20.355,"end":20.994999,"sentiment":"neutral","sentiment_score":0.18252258747816086},{"text":"Well, I can make a fit within that time.","start":20.994999,"end":23.175,"sentiment":"neutral","sentiment_score":0.18708819316493142}],"sentiment":"neutral","sentiment_score":0.18508610910758738,"num_words":41,"start":9.44,"end":23.175},{"sentences":[{"text":"Not an issue at all.","start":23.235,"end":24.695,"sentiment":"neutral","sentiment_score":0.08861815482378006},{"text":"Excellent.","start":26.83,"end":27.33,"sentiment":"positive","sentiment_score":0.4724782109260559},{"text":"Before I jump into the call, I will just let you know we do record our calls for quality and training purposes.","start":27.470001,"end":32.11,"sentiment":"neutral","sentiment_score":0.14210978692228143},{"text":"Are you happy for me to proceed with that?","start":32.11,"end":34.37,"sentiment":"neutral","sentiment_score":0.1626855863465203},{"text":"Beautiful.","start":35.87,"end":36.37,"sentiment":"positive","sentiment_score":0.3858320116996765}],"sentiment":"neutral","sentiment_score":0.15505227858298704,"num_words":38,"start":23.235,"end":36.37},{"sentences":[{"text":"And as for the security, I'm discussing your personal information.","start":36.43,"end":39.23,"sentiment":"neutral","sentiment_score":0.09297171756625175},{"text":"So I just need to confirm your full name, your date of birth, and address I should have on file.","start":39.23,"end":45.295002,"sentiment":"neutral","sentiment_score":0.06564482823014259},{"text":"K.","start":52.955,"end":53.115,"sentiment":"neutral","sentiment_score":0.10353395342826845},{"text":"Beautiful.","start":53.115,"end":53.595,"sentiment":"positive","sentiment_score":0.3564673662185669},{"text":"Thank you so much for that.","start":53.595,"end":54.955,"sentiment":"positive","sentiment_score":0.5144729961951574}],"sentiment":"neutral","sentiment_score":0.1523540272916618,"num_words":38,"start":36.43,"end":54.955},{"sentences":[{"text":"I'll try to keep this nice and short and sweet, and I've sent the document here to review a bit after as well.","start":54.955,"end":59.829998,"sentiment":"positive","sentiment_score":0.34715435815894086},{"text":"But when you and I spoke last time, we looked at this updating the advice.","start":60.21,"end":63.57,"sentiment":"neutral","sentiment_score":-0.017380565653244653},{"text":"You had a retention to retain MLC for the insurances.","start":63.57,"end":66.79,"sentiment":"neutral","sentiment_score":-0.044731315597891806},{"text":"So we were looking at whether we could get new cover for you.","start":66.93,"end":71.03,"sentiment":"neutral","sentiment_score":-0.03264200630096289},{"text":"Unfortunately, because that breast cancer diagnosis is still kind of in twenty twenty twenty twenty one, new insurers won't sort of look at anything at the moment, so we are gonna have to retain the MLC for the time being to keep the cover.","start":71.405,"end":84.065,"sentiment":"neutral","sentiment_score":-0.22601302594623782}],"sentiment":"neutral","sentiment_score":-0.029451339301608856,"num_words":105,"start":54.955,"end":84.065},{"sentences":[{"text":"In saying that, when I had a bit of a look back at your goals there, you were wanting to essentially pay off all your debts with your life and TBD in the event that something happens to you.","start":84.56,"end":94.74,"sentiment":"neutral","sentiment_score":0.0631405071188242},{"text":"So with your MLC cover, you're covered for about $117,002.28 at the moment, but then you've also got a really good super balance of $428,004.04 3 and another 19 odd thousand in MLC as well.","start":94.88,"end":108.335,"sentiment":"neutral","sentiment_score":0.16969237104058266},{"text":"So in the event of a yeah.","start":108.335,"end":110.54,"sentiment":"neutral","sentiment_score":0.024242321029305458},{"text":"So in the event of a life event, so you you to pass away, your life insurance does actually pay off your mortgage and, I believe, your car loan as well.","start":110.54,"end":119.18,"sentiment":"neutral","sentiment_score":0.11117608917336311},{"text":"So it covers all of your debts.","start":119.18,"end":120.799995,"sentiment":"neutral","sentiment_score":0.25750034196036203}],"sentiment":"neutral","sentiment_score":0.11613756444837366,"num_words":119,"start":84.56,"end":120.799995},{"sentences":[{"text":"And then the rest of the benefit plus your super can be paid out to your beneficiaries as additional buffer for them.","start":120.995,"end":127.895004,"sentiment":"neutral","sentiment_score":0.18589576266028665},{"text":"And with the TBD, the same thing.","start":128.355,"end":130.435,"sentiment":"neutral","sentiment_score":0.041006171011499},{"text":"So if anything was to happen with TBD, the amount of cover you have does pay out all of your debts to leave you debt free.","start":130.435,"end":136.84999,"sentiment":"neutral","sentiment_score":0.04861408648475145},{"text":"And then we can also claim incapacity against TBD as well to have your super both released to provide additional benefit for you as well.","start":136.84999,"end":145.48999,"sentiment":"neutral","sentiment_score":0.0332211047410965},{"text":"So, Bill, yeah, so, realistically, whilst we're unable to look at getting new cover now, it does also mean that with the benefit you have, you're not paying great deal for it.","start":145.48999,"end":156.535,"sentiment":"neutral","sentiment_score":-0.2554077705135569}],"sentiment":"neutral","sentiment_score":-0.015194685836572066,"num_words":112,"start":120.995,"end":156.535},{"sentences":[{"text":"It's a bit over a thousand dollars for the year for the cover you have, and retaining that life and TBD benefit does work better for you at the moment.","start":156.535,"end":164.85,"sentiment":"neutral","sentiment_score":-0.02743013302485148},{"text":"So I am retaining that one.","start":164.85,"end":167.09,"sentiment":"neutral","sentiment_score":0.024517749746640522},{"text":"It doesn't mean we are retaining the income protection.","start":167.09,"end":169.75,"sentiment":"neutral","sentiment_score":-0.07387877876559894},{"text":"It is a little bit under you are slightly underinsured with regards to income protection only just slightly with given your income.","start":170.13,"end":177.55501,"sentiment":"neutral","sentiment_score":-0.12543213367462158},{"text":"But because of we're not sort of six to seven years out from that cancer diagnosis with your breast cancer.","start":178.255,"end":184.035,"sentiment":"neutral","sentiment_score":-0.2289641175419092}],"sentiment":"neutral","sentiment_score":-0.0997643194578845,"num_words":87,"start":156.535,"end":184.035},{"sentences":[{"text":"So because of that, we're not able to get new cover as of yet.","start":184.255,"end":187.375,"sentiment":"neutral","sentiment_score":-0.2050520075219018},{"text":"So it did mean retaining it.","start":187.375,"end":189.05501,"sentiment":"neutral","sentiment_score":-0.003604977702101072},{"text":"But I did go back and have a really good look, and I asked the insurers what they were willing to come back with.","start":189.05501,"end":194.31,"sentiment":"neutral","sentiment_score":0.015263832795123259},{"text":"And, unfortunately, it was a tough one.","start":194.31,"end":196.33,"sentiment":"negative","sentiment_score":-0.347765177488327},{"text":"But we'll make sure that you are still you know, you are covered, which is really important.","start":197.11,"end":200.81,"sentiment":"neutral","sentiment_score":0.040316438631099814}],"sentiment":"neutral","sentiment_score":-0.06286768779596862,"num_words":68,"start":184.255,"end":200.81},{"sentences":[{"text":"Okay?","start":201.11,"end":201.61,"sentiment":"neutral","sentiment_score":0.06034177541732788},{"text":"Yeah.","start":203.27,"end":203.75,"sentiment":"neutral","sentiment_score":0.1454121470451355},{"text":"That's okay.","start":203.75,"end":204.56999,"sentiment":"neutral","sentiment_score":0.15489555895328522},{"text":"So I am recommending we retain the MLC there.","start":205.39499,"end":208.11499,"sentiment":"neutral","sentiment_score":0.06782623007893562},{"text":"I am recommending that we do move all but 10,000 out.","start":208.11499,"end":212.11499,"sentiment":"neutral","sentiment_score":0.013760756531899626}],"sentiment":"neutral","sentiment_score":0.053222893038764596,"num_words":24,"start":201.11,"end":212.11499},{"sentences":[{"text":"So we do wanna do a regular yearly rollover and and everything over that $10,000.","start":212.11499,"end":217.39499,"sentiment":"neutral","sentiment_score":0.06398557523886363},{"text":"So it does mean at the moment, it's about a $9,000 rollover into hub twenty four there.","start":217.39499,"end":223.05,"sentiment":"neutral","sentiment_score":0.04243628845057067},{"text":"The other thing you and I had a chat about was looking at your portfolio, how it was performing, getting rid of any underperforming investments, but you also wanted to have a bit of a look at whether there was any other commodities worth holding as well because your gold and silver had done really, really nicely.","start":223.05,"end":238.855,"sentiment":"neutral","sentiment_score":0.07384733610639446},{"text":"With that, I've reviewed that for you.","start":240.995,"end":243.25499,"sentiment":"neutral","sentiment_score":0.012086451718849795},{"text":"We are removing all of the Benelong Australian equities.","start":243.31499,"end":246.215,"sentiment":"neutral","sentiment_score":-0.17264064401388168}],"sentiment":"neutral","sentiment_score":0.04210798148775385,"num_words":105,"start":212.11499,"end":246.215},{"sentences":[{"text":"That's been underperforming in your portfolio.","start":246.355,"end":248.53499,"sentiment":"negative","sentiment_score":-0.4054396152496338},{"text":"As much as you've seen a great return this year, it has been underperforming.","start":248.67499,"end":252.3,"sentiment":"neutral","sentiment_score":-0.23189015580075129},{"text":"It is worth getting rid of that investment.","start":252.52,"end":254.38,"sentiment":"neutral","sentiment_score":-0.247897295281291},{"text":"And instead of having the the Benelong in there, we're gonna move the funds into the Australian 200, which is a cheaper investment, and it's actually proven great greater performance over the past.","start":255.0,"end":265.88,"sentiment":"neutral","sentiment_score":0.22901605825984117},{"text":"So the newer portfolio provides a greater track record for you.","start":265.88,"end":270.045,"sentiment":"positive","sentiment_score":0.45321062207221985}],"sentiment":"neutral","sentiment_score":0.06778567403347956,"num_words":72,"start":246.355,"end":270.045},{"sentences":[{"text":"It's also cheaper.","start":270.105,"end":271.14502,"sentiment":"positive","sentiment_score":0.3787636359532674},{"text":"When I looked at the difference between the portfolios for the year, we're actually saving $1,114 on investment fees.","start":271.14502,"end":280.185,"sentiment":"neutral","sentiment_score":0.19175108992739728},{"text":"So this, yeah, so this newer portfolio has been performing a little bit better, but also making sure we're saving on investment fees for keeping more money invested for you, which is a positive.","start":280.185,"end":292.24,"sentiment":"positive","sentiment_score":0.3700227803167175},{"text":"Now the other thing I did look at was I know your gold and silver has been performing beautifully.","start":294.335,"end":299.055,"sentiment":"neutral","sentiment_score":0.16903153297148252},{"text":"I'm not getting rid of any of that.","start":299.055,"end":300.495,"sentiment":"neutral","sentiment_score":-0.07350942368793767}],"sentiment":"neutral","sentiment_score":0.24076939619522184,"num_words":83,"start":270.105,"end":300.495},{"sentences":[{"text":"I'm keeping it, but I am rebalancing it because at the moment, you're in a growth meant to be in more of a growth environment, which is a eighty twenty split.","start":300.495,"end":309.32,"sentiment":"neutral","sentiment_score":0.006276247602316641},{"text":"When I look at your risk profile, the way you're invested at the moment is you're actually 98% invested in growth assets.","start":309.46,"end":317.06,"sentiment":"neutral","sentiment_score":0.006823401559482922},{"text":"So you are taking a lot more risk than what you're comfortable with at the moment.","start":317.06,"end":321.4,"sentiment":"neutral","sentiment_score":-0.15376276895403862},{"text":"So I'm keeping the keeping the gold and silver in there.","start":321.46,"end":324.595,"sentiment":"neutral","sentiment_score":0.19020845199173148},{"text":"I'm just selling some of it to rebalance your portfolio to bring your risk level down because they're growth investments.","start":324.595,"end":330.695,"sentiment":"neutral","sentiment_score":0.23212045505642892}],"sentiment":"neutral","sentiment_score":0.046191762797534466,"num_words":100,"start":300.495,"end":330.695},{"sentences":[{"text":"And we're cementing some of the gains that they've seen and distributing those across other areas to make sure we keep rebalancing the portfolio, keep your risk level as low as possible, but also making sure that we're compounding those gains so they can keep growing and building for you.","start":331.235,"end":349.02,"sentiment":"positive","sentiment_score":0.4470387881994247},{"text":"Does that make sense?","start":349.02,"end":350.16,"sentiment":"neutral","sentiment_score":0.21603882312774658},{"text":"Yep.","start":351.42502,"end":351.74503,"sentiment":"positive","sentiment_score":0.3425697684288025},{"text":"Beautiful.","start":351.74503,"end":352.24503,"sentiment":"positive","sentiment_score":0.6957007050514221},{"text":"The other thing is within Hub twenty four, they only allow you to hold about 40% of your total portfolio in alternatives, so, like, gold and silver.","start":352.545,"end":360.965,"sentiment":"neutral","sentiment_score":0.127686048961348}],"sentiment":"positive","sentiment_score":0.3337576927460102,"num_words":83,"start":331.235,"end":360.965},{"sentences":[{"text":"So you were actually about 53% when I had a look last time.","start":361.505,"end":365.445,"sentiment":"neutral","sentiment_score":0.16175743880180213},{"text":"So we're gonna rebalance that before they tell us we have to, and it brings you back down just under that 40%.","start":366.13,"end":372.69,"sentiment":"neutral","sentiment_score":0.11199326406825673},{"text":"So we're keeping you at 39% invested there just under the limit that Hub allow us.","start":372.69,"end":377.49,"sentiment":"neutral","sentiment_score":0.19467009045183659},{"text":"So keeping those, Yeah.","start":377.49,"end":380.03497,"sentiment":"neutral","sentiment_score":0.19359919801354408},{"text":"It does mean that because they are the best performers in commodities, I haven't been able to add any other metals in there.","start":380.335,"end":386.835,"sentiment":"neutral","sentiment_score":0.2934017197593399}],"sentiment":"neutral","sentiment_score":0.19492379881632635,"num_words":78,"start":361.505,"end":386.835},{"sentences":[{"text":"But I've had a really good look, and because you do have the a 200, you've got some tech in there, and you've also got the S and P 500, You are also invested in other areas like mining and things like that.","start":386.97498,"end":398.41,"sentiment":"positive","sentiment_score":0.34478762572587923},{"text":"So you would do have other indirect exposure into other minerals as well to give you a bit of clarity.","start":398.41,"end":403.63,"sentiment":"neutral","sentiment_score":0.0870666529983282},{"text":"Okay?","start":403.77,"end":404.27,"sentiment":"neutral","sentiment_score":0.10042834281921388},{"text":"Yeah.","start":405.28998,"end":405.78998,"sentiment":"neutral","sentiment_score":0.2983422875404358},{"text":"All good.","start":406.41,"end":407.15,"sentiment":"positive","sentiment_score":0.6177606284618378}],"sentiment":"neutral","sentiment_score":0.2716640724397417,"num_words":67,"start":386.97498,"end":407.15},{"sentences":[{"text":"Yes.","start":408.00998,"end":408.50998,"sentiment":"neutral","sentiment_score":0.18741819262504575},{"text":"Yes.","start":412.545,"end":412.785,"sentiment":"neutral","sentiment_score":0.20258697867393496},{"text":"It will.","start":412.785,"end":413.345,"sentiment":"neutral","sentiment_score":0.2140851616859436},{"text":"Yeah.","start":413.345,"end":413.745,"sentiment":"neutral","sentiment_score":-0.04795152321457863},{"text":"So, essentially, what we'll be doing is just selling all of the banner along a little bit of the gold, a little bit of the silver, and some of the Asia, and then we're moving all that the money that we're selling into our cybersecurity to bring you up a little bit there, giving you some more exposure into the Europe because Europe is still a growing area and it's diversifying your portfolio.","start":413.745,"end":434.43,"sentiment":"neutral","sentiment_score":0.2912201422126326}],"sentiment":"neutral","sentiment_score":0.28242685067921114,"num_words":78,"start":408.00998,"end":434.43},{"sentences":[{"text":"Increasing your exposure into the S and P five hundred, which is giving you more indirect access to some of those other minerals and mining companies.","start":435.91498,"end":443.775,"sentiment":"neutral","sentiment_score":0.3047236977861478},{"text":"Buying into the Australian 200 to give you exposure into the top 200 companies on the ASX.","start":444.63498,"end":450.41498,"sentiment":"positive","sentiment_score":0.35886264197966633},{"text":"We're also increasing and giving defensive investment.","start":451.2,"end":454.9,"sentiment":"positive","sentiment_score":0.4283120930194855},{"text":"So looking at I the iShield yield yield plus, which is high interest income producing, so we're thinking things like fixed interest and bonds to give you some diversification.","start":455.04,"end":464.26822,"sentiment":"positive","sentiment_score":0.3409022072265888},{"text":"But because at the moment, you have a lot of growth assets that diversification.","start":464.26822,"end":466.325,"sentiment":"neutral","sentiment_score":0.21778638448034013}],"sentiment":"neutral","sentiment_score":0.3221165494572732,"num_words":93,"start":435.91498,"end":466.325},{"sentences":[{"text":"But because at the moment, you have a lot of growth assets and next to no defensive assets, we gotta have some of those low risk defensive assets in there for you.","start":467.665,"end":475.125,"sentiment":"neutral","sentiment_score":0.2584826210513711},{"text":"And then with the Morningstar global tech sector, which again is giving you some more, you know, underlying indirect exposure to the tech as well as the mining sector, we're gonna go from three to 5% in there.","start":476.46503,"end":487.79,"sentiment":"neutral","sentiment_score":0.12779654523259715},{"text":"So I didn't wanna, you know, reduce the gold and silver holdings below that per point.","start":487.79,"end":493.22998,"sentiment":"neutral","sentiment_score":-0.1467905193567276},{"text":"Because when I look at minerals as a whole, gold has has been the best performer.","start":493.22998,"end":498.905,"sentiment":"neutral","sentiment_score":0.08210610668174922},{"text":"Silver has also been a really good performer.","start":499.125,"end":501.545,"sentiment":"neutral","sentiment_score":0.24780571460723877}],"sentiment":"neutral","sentiment_score":0.12795643369582566,"num_words":110,"start":467.665,"end":501.545},{"sentences":[{"text":"The other minerals out there, like platinum and copper and things, they do perform quite well, but they are also very volatile, very risky.","start":502.005,"end":509.045,"sentiment":"neutral","sentiment_score":-0.15801458045219383},{"text":"So the way I sort of see putting this for you is keeping your direct exposure to those safer minerals, like the gold and silver that have shown you they're performing quite well.","start":509.045,"end":519.57996,"sentiment":"neutral","sentiment_score":0.09390497896255869},{"text":"And then everything else that is seen is a little bit more risky and is more volatile than we have indirect exposure that way.","start":519.57996,"end":526.825,"sentiment":"negative","sentiment_score":-0.3925911309197545},{"text":"So we're also diversifying and protecting your portfolio a little bit if that makes sense.","start":526.825,"end":531.885,"sentiment":"neutral","sentiment_score":0.2744214594364166},{"text":"Yeah.","start":534.185,"end":534.685,"sentiment":"neutral","sentiment_score":0.056114986538887024}],"sentiment":"neutral","sentiment_score":-0.061270473083269966,"num_words":97,"start":502.005,"end":534.685},{"sentences":[{"text":"Oh, good.","start":535.35,"end":535.99,"sentiment":"positive","sentiment_score":0.5380674004554749},{"text":"And, look, as a whole, it's actually also saving you in investment fees.","start":535.99,"end":542.15,"sentiment":"positive","sentiment_score":0.5434134900569916},{"text":"As I said, we'll save $1,114 for the year in investment fees.","start":542.15,"end":546.07,"sentiment":"positive","sentiment_score":0.5459811016917229},{"text":"That's a huge saving.","start":546.07,"end":547.37,"sentiment":"positive","sentiment_score":0.8018056899309158},{"text":"There are CGT consequences for doing the switch of the investments there.","start":548.565,"end":553.76495,"sentiment":"neutral","sentiment_score":0.20463424921035767}],"sentiment":"positive","sentiment_score":0.47337481726047603,"num_words":43,"start":535.35,"end":553.76495},{"sentences":[{"text":"Your super fund will account for that.","start":553.76495,"end":555.605,"sentiment":"positive","sentiment_score":0.3605621499674661},{"text":"It's about 2,177, but I figured with everything you've seen and with the gains that you had out of your portfolio and your balance, that CGT is very minimal, which is fantastic.","start":555.605,"end":566.56,"sentiment":"positive","sentiment_score":0.5033802771940827},{"text":"And then we're saving fees in other areas for you, which is a positive, and lowering your overall risk, which is a really good thing in the current climate with the current market conditions that we have as well.","start":567.02,"end":577.42004,"sentiment":"positive","sentiment_score":0.661434578589904},{"text":"So, yeah, does that make sense?","start":577.42004,"end":581.335,"sentiment":"neutral","sentiment_score":0.04695017666866382},{"text":"Yeah.","start":581.335,"end":581.65497,"sentiment":"neutral","sentiment_score":0.03001639060676098}],"sentiment":"positive","sentiment_score":0.5263502345365636,"num_words":85,"start":553.76495,"end":581.65497},{"sentences":[{"text":"Do you have any questions so far?","start":581.65497,"end":583.415,"sentiment":"neutral","sentiment_score":0.01780375319400004},{"text":"Sorry.","start":583.415,"end":583.735,"sentiment":"neutral","sentiment_score":-0.03825471550226211},{"text":"I've tried to keep it as brief as possible for you.","start":583.735,"end":586.555,"sentiment":"neutral","sentiment_score":-0.008782390674406832},{"text":"Oh, fantastic.","start":590.21497,"end":591.115,"sentiment":"positive","sentiment_score":0.4759009778499603},{"text":"Oh, good.","start":593.55,"end":594.29,"sentiment":"neutral","sentiment_score":0.2943820655345917}],"sentiment":"neutral","sentiment_score":0.06653614548723334,"num_words":23,"start":581.65497,"end":594.29},{"sentences":[{"text":"Good.","start":594.35,"end":594.85,"sentiment":"neutral","sentiment_score":0.25313007831573486},{"text":"Well, look, I've sent you the documents, so run your eyes over it.","start":594.91,"end":598.19,"sentiment":"neutral","sentiment_score":0.17857222373668963},{"text":"I've outlined step by step the set essentially oh, you have.","start":598.19,"end":602.21,"sentiment":"neutral","sentiment_score":0.22928654876622287},{"text":"You're a gem.","start":602.27,"end":603.07,"sentiment":"positive","sentiment_score":0.523903469244639},{"text":"Do you want me to resend you a copy of it to your email to sort of have a bit of a look at after?","start":603.07,"end":607.87,"sentiment":"neutral","sentiment_score":0.04564980559051037}],"sentiment":"neutral","sentiment_score":0.14735238812863827,"num_words":53,"start":594.35,"end":607.87},{"sentences":[{"text":"Or yeah.","start":607.87,"end":612.26495,"sentiment":"neutral","sentiment_score":0.013233299367129803},{"text":"Oh, oh, thank you.","start":614.725,"end":617.045,"sentiment":"neutral","sentiment_score":0.14699078723788261},{"text":"Well, I promise I will never do anything that doesn't that does isn't there to work in your best interest.","start":617.045,"end":621.845,"sentiment":"neutral","sentiment_score":-0.1629872154444456},{"text":"And that's the other thing is in these advice documents, I do have a best interest duty statement which outlines why I'm making the recommendations and how it aligns to your goals there.","start":621.845,"end":631.63995,"sentiment":"neutral","sentiment_score":0.18778483705087143},{"text":"And I've actually sort of had a look at the retirement projections for you.","start":631.93994,"end":635.37994,"sentiment":"neutral","sentiment_score":0.18954298006636755}],"sentiment":"neutral","sentiment_score":0.08500255866307918,"num_words":73,"start":607.87,"end":635.37994},{"sentences":[{"text":"So by by retaining, by making this switch and seeing things projected forward, you're actually staying pretty well on track to get a really good retirement income.","start":635.37994,"end":644.265,"sentiment":"positive","sentiment_score":0.48730659153726363},{"text":"We're aiming for around 75,000 in retirement per year at the moment.","start":644.265,"end":648.685,"sentiment":"positive","sentiment_score":0.35567158212264377},{"text":"And with what we're projected forward, it looks like we're actually aiming for that.","start":648.905,"end":653.52,"sentiment":"positive","sentiment_score":0.3552310232605253},{"text":"I've also had a look at your age pension eligibility.","start":653.58,"end":656.32,"sentiment":"neutral","sentiment_score":0.2483017474412918},{"text":"You'll be eligible for some age pension as well to supplement some of that income, which is fantastic.","start":656.62,"end":661.44,"sentiment":"positive","sentiment_score":0.3918187552028232}],"sentiment":"positive","sentiment_score":0.39425094260109794,"num_words":81,"start":635.37994,"end":661.44},{"sentences":[{"text":"But retirement projection wise, you're pretty well on track for a good retirement of that 75,000 per year plus some age pension to supplement there, and your super looks ready to sort of hold on.","start":662.7,"end":673.445,"sentiment":"positive","sentiment_score":0.46639378155980793},{"text":"We should be able to keep it going to about age 90 at this point.","start":673.445,"end":677.125,"sentiment":"neutral","sentiment_score":0.3145604312419891},{"text":"So we wanna keep building and growing on that, but thus far with the retirement projections, we're doing really well so far.","start":677.125,"end":685.26,"sentiment":"positive","sentiment_score":0.45247001675042237},{"text":"So yeah.","start":685.26,"end":686.32,"sentiment":"neutral","sentiment_score":0.29978740215301514},{"text":"Yeah.","start":686.54004,"end":687.04004,"sentiment":"neutral","sentiment_score":0.19794034957885745}],"sentiment":"positive","sentiment_score":0.4239205912748973,"num_words":75,"start":662.7,"end":687.04004},{"sentences":[{"text":"Oh, good.","start":687.66003,"end":688.4,"sentiment":"positive","sentiment_score":0.35653235018253326},{"text":"That's okay.","start":689.02,"end":689.66003,"sentiment":"positive","sentiment_score":0.37437790632247925},{"text":"I will shoot a copy of that document to you as well just so you have it in your emails.","start":689.66003,"end":693.655,"sentiment":"neutral","sentiment_score":0.29575259536504744},{"text":"You're welcome to read it through and let me know if you do happen to have any questions.","start":693.655,"end":696.875,"sentiment":"positive","sentiment_score":0.3447454472382863},{"text":"And, yeah, I will thank you so much for taking my call.","start":697.815,"end":701.255,"sentiment":"positive","sentiment_score":0.5409672930836678}],"sentiment":"positive","sentiment_score":0.3717388516222989,"num_words":54,"start":687.66003,"end":701.255},{"sentences":[{"text":"I'm so sorry.","start":701.255,"end":702.235,"sentiment":"neutral","sentiment_score":-0.13955330848693848},{"text":"That's okay.","start":704.375,"end":705.03503,"sentiment":"neutral","sentiment_score":-0.007306668441742659},{"text":"Oh, it's honestly absolutely fine.","start":707.92,"end":709.75995,"sentiment":"neutral","sentiment_score":0.3086355268955231},{"text":"That's why we sent that message through.","start":709.75995,"end":711.36,"sentiment":"neutral","sentiment_score":0.20206432470253535},{"text":"And I sort of checked my emails late last night, and I saw the message come back.","start":711.36,"end":714.8,"sentiment":"neutral","sentiment_score":0.08220623148714795}],"sentiment":"neutral","sentiment_score":0.11534884059801698,"num_words":34,"start":701.255,"end":714.8},{"sentences":[{"text":"I thought, oh, good.","start":714.8,"end":715.68,"sentiment":"neutral","sentiment_score":0.1104928394779563},{"text":"I'll give you an off the cuff call this afternoon, see how you're going, see if you got a few minutes for me, and we'll get this sorted for you nice and quickly.","start":715.68,"end":723.125,"sentiment":"neutral","sentiment_score":0.21880879207993997},{"text":"So yeah.","start":723.585,"end":724.325,"sentiment":"positive","sentiment_score":0.5234939903020859},{"text":"Oh, not a problem, Anna.","start":726.22504,"end":727.66504,"sentiment":"positive","sentiment_score":0.4033862352371216},{"text":"I'll let you go to have a good afternoon.","start":727.66504,"end":729.525,"sentiment":"positive","sentiment_score":0.5705464283625284}],"sentiment":"neutral","sentiment_score":0.29927355676608264,"num_words":53,"start":714.8,"end":729.525},{"sentences":[{"text":"I'll get that email through as soon as you find you have any questions later on, let me know.","start":729.585,"end":733.505,"sentiment":"positive","sentiment_score":0.37038519037397283},{"text":"Okay?","start":733.505,"end":734.005,"sentiment":"neutral","sentiment_score":0.2315664440393448},{"text":"That's okay.","start":736.55,"end":737.37,"sentiment":"positive","sentiment_score":0.48617248237133026},{"text":"You too.","start":737.75,"end":738.23,"sentiment":"positive","sentiment_score":0.4121723026037216},{"text":"Thank you so much.","start":738.23,"end":739.19,"sentiment":"positive","sentiment_score":0.8037721812725067}],"sentiment":"positive","sentiment_score":0.43859511986374855,"num_words":28,"start":729.585,"end":739.19},{"sentences":[{"text":"Enjoy your weekend.","start":739.19,"end":740.17,"sentiment":"positive","sentiment_score":0.7833543618520101},{"text":"Thanks, Anna.","start":742.71,"end":743.51,"sentiment":"positive","sentiment_score":0.6516962349414825},{"text":"See you later.","start":743.51,"end":744.23,"sentiment":"positive","sentiment_score":0.542372872432073},{"text":"Bye.","start":744.23,"end":744.73,"sentiment":"neutral","sentiment_score":0.24191099405288696}],"sentiment":"positive","sentiment_score":0.6136094629764557,"num_words":9,"start":739.19,"end":744.73}]}}]},{"alternatives":[{"transcript":"Hello? Not too bad. Thank you. How are you? Yeah. I've got about fifteen or so minutes now. Alright. Awesome. Perfect. Absolutely. Yep. It's Anna Deangelis. 167132 Heritage Drive, Mill Park, Victoria 3082. Yep. Yep. Okay. Mhmm. Okay. Yep. Yep. Oh, okay. Yep. Yep. Okay. No. That's cool. Thank you. Yes. Yes. Yes. Yep. Okay. Cool. Oh, wow. Okay. Yeah. Absolutely. Yep. Perfect. Yep. Okay. Okay. Yes. Yep. Yep. Yep. Yep. Alright, sir. Okay. Yep. Yep. Good. So what you're taking from the gold and silver, will that go into the new one? Yes. Yep. Yes. First. Perfect. Yep. No. Makes sense. Yep. Yes. No. Thank you. Makes sense. Yep. Well, no. No. Yeah. It's all being clear. Yeah. You you explained it so I can understand it, which is good. I've signed it. Yeah. Alright. Because I just sign it when it come from you guys. I don't I just trust you. Yes. Yep. Oh, wow. Yep. Awesome. No. Thank you so much. Yep. No. Thank you for calling. Yeah. I just had it shipped yesterday, and I couldn't get the call. Awesome. No. Thanks a lot for that. Cool. Thank you so much. You have a great day. Thank you. Take care. 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Not too bad. Thank you. How are you? Yeah.\n\nI've got about fifteen or so minutes now. Alright. Awesome. Perfect. Absolutely.\n\nYep. It's Anna Deangelis. 167132 Heritage Drive, Mill Park, Victoria 3082. Yep. Yep.\n\nOkay. Mhmm. Okay. Yep. Yep.\n\nOh, okay. Yep. Yep. Okay. No.\n\nThat's cool. Thank you. Yes. Yes. Yes.\n\nYep. Okay. Cool. Oh, wow. Okay.\n\nYeah. Absolutely. Yep. Perfect. Yep.\n\nOkay. Okay. Yes. Yep. Yep.\n\nYep. Yep. Alright, sir. Okay. Yep.\n\nYep. Good. So what you're taking from the gold and silver, will that go into the new one? Yes. Yep.\n\nYes. First. Perfect. Yep. No.\n\nMakes sense. Yep. Yes. No. Thank you.\n\nMakes sense. Yep. Well, no. No. Yeah.\n\nIt's all being clear. Yeah. You you explained it so I can understand it, which is good. I've signed it. Yeah.\n\nAlright. Because I just sign it when it come from you guys. I don't I just trust you. Yes. Yep.\n\nOh, wow. Yep. Awesome. No. Thank you so much.\n\nYep. No. Thank you for calling. Yeah. I just had it shipped yesterday, and I couldn't get the call.\n\nAwesome. No. Thanks a lot for that. Cool. Thank you so much.\n\nYou have a great day. Thank you. Take care. Bye bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.24,"end":0.74,"sentiment":"neutral","sentiment_score":0.022010575979948044},{"text":"Not too bad.","start":5.7599998,"end":6.56,"sentiment":"neutral","sentiment_score":0.2772829333941142},{"text":"Thank you.","start":6.56,"end":6.96,"sentiment":"positive","sentiment_score":0.47204799950122833},{"text":"How are you?","start":6.96,"end":7.8599997,"sentiment":"neutral","sentiment_score":0.3054649829864502},{"text":"Yeah.","start":16.735,"end":17.055,"sentiment":"neutral","sentiment_score":0.06832124292850494}],"sentiment":"neutral","sentiment_score":0.27826715670526025,"num_words":10,"start":0.24,"end":17.055},{"sentences":[{"text":"I've got about fifteen or so minutes now.","start":17.055,"end":19.715,"sentiment":"neutral","sentiment_score":0.07311159744858742},{"text":"Alright.","start":23.615,"end":24.095001,"sentiment":"neutral","sentiment_score":0.026464570313692093},{"text":"Awesome.","start":24.095001,"end":24.595001,"sentiment":"positive","sentiment_score":0.38423898816108704},{"text":"Perfect.","start":29.49,"end":29.99,"sentiment":"neutral","sentiment_score":0.2458706945180893},{"text":"Absolutely.","start":34.37,"end":34.87,"sentiment":"neutral","sentiment_score":0.2603369653224945}],"sentiment":"neutral","sentiment_score":0.12515033315867186,"num_words":12,"start":17.055,"end":34.87},{"sentences":[{"text":"Yep.","start":43.585003,"end":43.905003,"sentiment":"neutral","sentiment_score":0.05759134143590927},{"text":"It's Anna Deangelis.","start":43.905003,"end":45.365,"sentiment":"neutral","sentiment_score":0.03496388656397661},{"text":"167132 Heritage Drive, Mill Park, Victoria 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okay.","start":187.92,"end":188.595,"sentiment":"neutral","sentiment_score":0.007058550603687763},{"text":"Yep.","start":188.595,"end":189.095,"sentiment":"neutral","sentiment_score":0.0193244107067585},{"text":"Yep.","start":196.755,"end":197.255,"sentiment":"neutral","sentiment_score":0.008207306265830994},{"text":"Okay.","start":201.395,"end":201.895,"sentiment":"neutral","sentiment_score":0.046024225652217865},{"text":"No.","start":201.955,"end":202.035,"sentiment":"neutral","sentiment_score":0.036822766065597534}],"sentiment":"neutral","sentiment_score":0.02074930164963007,"num_words":6,"start":187.92,"end":202.035},{"sentences":[{"text":"That's cool.","start":202.035,"end":202.675,"sentiment":"neutral","sentiment_score":0.221839539706707},{"text":"Thank 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wow.","start":280.435,"end":281.155,"sentiment":"neutral","sentiment_score":0.20960839837789536},{"text":"Okay.","start":281.155,"end":281.655,"sentiment":"neutral","sentiment_score":0.11714956164360046}],"sentiment":"neutral","sentiment_score":0.18133501087625822,"num_words":6,"start":254.985,"end":281.655},{"sentences":[{"text":"Yeah.","start":281.795,"end":282.115,"sentiment":"neutral","sentiment_score":0.14490027725696564},{"text":"Absolutely.","start":282.115,"end":282.615,"sentiment":"neutral","sentiment_score":0.26701435446739197},{"text":"Yep.","start":292.75998,"end":293.25998,"sentiment":"neutral","sentiment_score":0.28456202149391174},{"text":"Perfect.","start":293.31998,"end":293.81998,"sentiment":"positive","sentiment_score":0.45809948444366455},{"text":"Yep.","start":307.735,"end":308.13,"sentiment":"neutral","sentiment_score":0.03557460010051727}],"sentiment":"neutral","sentiment_score":0.23803014755249025,"num_words":5,"start":281.795,"end":308.13},{"sentences":[{"text":"Okay.","start":322.05002,"end":322.55002,"sentiment":"neutral","sentiment_score":0.14750385284423828},{"text":"Okay.","start":349.69,"end":350.055,"sentiment":"neutral","sentiment_score":0.15102681517601013},{"text":"Yes.","start":350.29498,"end":350.535,"sentiment":"neutral","sentiment_score":0.1889795213937759},{"text":"Yep.","start":350.535,"end":350.935,"sentiment":"neutral","sentiment_score":0.1859237998723984},{"text":"Yep.","start":350.935,"end":351.435,"sentiment":"neutral","sentiment_score":0.2111711353063583}],"sentiment":"neutral","sentiment_score":0.1769210249185562,"num_words":5,"start":322.05002,"end":351.435},{"sentences":[{"text":"Yep.","start":361.495,"end":361.995,"sentiment":"neutral","sentiment_score":0.13827289640903473},{"text":"Yep.","start":377.44,"end":377.94,"sentiment":"neutral","sentiment_score":0.14191573858261108},{"text":"Alright, sir.","start":378.15997,"end":378.945,"sentiment":"neutral","sentiment_score":0.26002464443445206},{"text":"Okay.","start":400.31998,"end":400.81998,"sentiment":"neutral","sentiment_score":0.015693508088588715},{"text":"Yep.","start":404.16,"end":404.66,"sentiment":"neutral","sentiment_score":0.12767764925956726}],"sentiment":"neutral","sentiment_score":0.15726818020145097,"num_words":6,"start":361.495,"end":404.66},{"sentences":[{"text":"Yep.","start":404.88,"end":405.36,"sentiment":"neutral","sentiment_score":0.13319961726665497},{"text":"Good.","start":405.36,"end":405.645,"sentiment":"positive","sentiment_score":0.5338486433029175},{"text":"So what you're taking from the gold and silver, will that go into the new 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sense.","start":534.045,"end":534.785,"sentiment":"neutral","sentiment_score":0.061297399923205376},{"text":"Yep.","start":547.96497,"end":548.34,"sentiment":"positive","sentiment_score":0.3958755433559418},{"text":"Yes.","start":577.89,"end":578.29,"sentiment":"neutral","sentiment_score":0.08777846395969391},{"text":"No.","start":578.29,"end":578.52997,"sentiment":"neutral","sentiment_score":-0.02836950495839119},{"text":"Thank you.","start":578.52997,"end":579.43,"sentiment":"neutral","sentiment_score":0.06488462910056114}],"sentiment":"neutral","sentiment_score":0.10109265148639679,"num_words":7,"start":534.045,"end":579.43},{"sentences":[{"text":"Makes sense.","start":579.65,"end":580.47,"sentiment":"neutral","sentiment_score":0.05154012702405453},{"text":"Yep.","start":581.89,"end":582.39,"sentiment":"neutral","sentiment_score":0.03195662051439285},{"text":"Well, no.","start":586.675,"end":587.075,"sentiment":"neutral","sentiment_score":-0.026669583283364773},{"text":"No.","start":587.075,"end":587.47504,"sentiment":"neutral","sentiment_score":-0.03782399371266365},{"text":"Yeah.","start":587.47504,"end":587.715,"sentiment":"neutral","sentiment_score":0.0009871628135442734}],"sentiment":"neutral","sentiment_score":0.006408696728093284,"num_words":7,"start":579.65,"end":587.715},{"sentences":[{"text":"It's all being clear.","start":587.715,"end":588.91504,"sentiment":"neutral","sentiment_score":0.0015125361969694495},{"text":"Yeah.","start":588.91504,"end":589.315,"sentiment":"neutral","sentiment_score":0.06594586372375488},{"text":"You you explained it so I can understand it, which is good.","start":589.315,"end":592.85504,"sentiment":"positive","sentiment_score":0.3812378942966461},{"text":"I've signed it.","start":599.635,"end":600.63,"sentiment":"neutral","sentiment_score":0.19946761429309845},{"text":"Yeah.","start":610.31,"end":610.55,"sentiment":"neutral","sentiment_score":0.014739876613020895}],"sentiment":"neutral","sentiment_score":0.250475879026843,"num_words":21,"start":587.715,"end":610.55},{"sentences":[{"text":"Alright.","start":610.55,"end":611.05,"sentiment":"neutral","sentiment_score":0.03127026557922363},{"text":"Because I just sign it when it come from you guys.","start":611.11,"end":613.21497,"sentiment":"neutral","sentiment_score":0.011446982622146606},{"text":"I don't I just trust you.","start":613.21497,"end":615.555,"sentiment":"neutral","sentiment_score":-0.08447196210424106},{"text":"Yes.","start":632.19,"end":632.69,"sentiment":"neutral","sentiment_score":0.1652655154466629},{"text":"Yep.","start":649.245,"end":649.62,"sentiment":"neutral","sentiment_score":0.2948579490184784}],"sentiment":"neutral","sentiment_score":0.005523938313126564,"num_words":20,"start":610.55,"end":649.62},{"sentences":[{"text":"Oh, wow.","start":677.65,"end":679.91003,"sentiment":"positive","sentiment_score":0.4362438768148422},{"text":"Yep.","start":685.57,"end":686.05005,"sentiment":"neutral","sentiment_score":0.307269424200058},{"text":"Awesome.","start":686.05005,"end":686.55005,"sentiment":"positive","sentiment_score":0.5237455368041992},{"text":"No.","start":686.93005,"end":687.25,"sentiment":"neutral","sentiment_score":0.09385663270950316},{"text":"Thank you so 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call.","start":704.00995,"end":707.47,"sentiment":"neutral","sentiment_score":-0.14332382753491402}],"sentiment":"neutral","sentiment_score":-0.09348505804021108,"num_words":19,"start":697.375,"end":707.47},{"sentences":[{"text":"Awesome.","start":723.675,"end":724.175,"sentiment":"positive","sentiment_score":0.7411419153213501},{"text":"No.","start":724.315,"end":724.555,"sentiment":"neutral","sentiment_score":0.1519242227077484},{"text":"Thanks a lot for that.","start":724.555,"end":726.015,"sentiment":"positive","sentiment_score":0.6062061190605164},{"text":"Cool.","start":734.41,"end":734.73,"sentiment":"positive","sentiment_score":0.6621518731117249},{"text":"Thank you so much.","start":734.73,"end":735.93,"sentiment":"positive","sentiment_score":0.8271781653165817}],"sentiment":"positive","sentiment_score":0.657913438975811,"num_words":12,"start":723.675,"end":735.93},{"sentences":[{"text":"You have a great day.","start":735.93,"end":737.1749,"sentiment":"positive","sentiment_score":0.7435230255126953},{"text":"Thank you.","start":740.8549,"end":741.5949,"sentiment":"positive","sentiment_score":0.7507184445858002},{"text":"Take care.","start":741.6549,"end":742.3949,"sentiment":"positive","sentiment_score":0.6090920865535736},{"text":"Bye bye.","start":745.0949,"end":745.75494,"sentiment":"neutral","sentiment_score":0.020469404757022865}],"sentiment":"positive","sentiment_score":0.5889249999414791,"num_words":11,"start":735.93,"end":745.75494}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Anna. It's Dana from OT Financial. How are you this afternoon?\n\nChannel 1: Not too bad. Thank you. How are you?\n\nChannel 0: I'm very well. Thank you. Thanks for asking. I would just give you a quick call to see if you had some time this afternoon just to run through your updated statement of advice.\n\nChannel 1: Yeah. I've got about fifteen or so minutes now.\n\nChannel 0: Yeah. That's okay. Well, I can make a fit within that time. Not an\n\nChannel 1: Alright.\n\nChannel 0: issue at\n\nChannel 1: Awesome.\n\nChannel 0: all. Excellent. Before I jump into the call, I will just let you know\n\nChannel 1: Perfect.\n\nChannel 0: we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Absolutely.\n\nChannel 0: Beautiful. And as for the security, I'm discussing your personal information. So I just need to confirm your full name, your date of birth, and address I should have on\n\nChannel 1: Yep. It's Anna\n\nChannel 0: file.\n\nChannel 1: Deangelis. 167132 Heritage Drive, Mill Park, Victoria 3082.\n\nChannel 0: K. Beautiful. Thank you so much for that. I'll try to keep this nice and short and sweet, and I've sent the document here to review a bit after as well.\n\nChannel 1: Yep.\n\nChannel 0: But when you and I spoke last time, we looked at this updating the advice. You had a retention to retain MLC for the insurances. So we were looking at whether we could get new cover for you. Unfortunately, because that breast cancer diagnosis is still kind of in twenty twenty twenty twenty one, new insurers won't sort of look at anything at the moment, so we are gonna have to retain the MLC for the time being to keep the cover.\n\nChannel 1: Yep.\n\nChannel 0: In saying that, when I had a bit of a look back at your goals there, you were wanting to essentially pay off all your debts with your life and TBD in the event that something happens to you. So with your MLC cover, you're covered for about $117,002.28 at the moment, but then you've also got a really good super balance of $428,004.04 3 and another 19 odd thousand in MLC as well. So in the\n\nChannel 1: Okay.\n\nChannel 0: event of a yeah. So in the event of a life event, so you you to pass away, your life insurance does actually pay off your mortgage and, I believe, your car loan as well. So it covers all of your debts. And then the rest of the benefit plus your super can be paid out to your beneficiaries as additional buffer for them.\n\nChannel 1: Mhmm.\n\nChannel 0: And with the TBD, the same thing. So if anything was to happen with TBD, the amount of cover you have does pay out all of your debts to leave you debt free. And then we can also claim incapacity against TBD as well to have your super both released to provide additional benefit for you as well. So,\n\nChannel 1: Okay.\n\nChannel 0: Bill, yeah, so, realistically, whilst we're unable to look at getting new cover now, it does also mean that with the benefit you have, you're not paying great deal for it. It's a bit over a thousand dollars for the year for the cover you have,\n\nChannel 1: Yep.\n\nChannel 0: and retaining that life and TBD benefit does work better for you at the moment. So I am retaining that one. It doesn't mean we are retaining the income protection. It is a little bit under you are slightly underinsured with regards to income protection only just slightly with given your income. But because of we're not sort of six to seven years out from that cancer diagnosis with your breast cancer.\n\nSo\n\nChannel 1: Yep.\n\nChannel 0: because of that, we're not able to get new cover as of yet. So it did\n\nChannel 1: Oh,\n\nChannel 0: mean\n\nChannel 1: okay.\n\nChannel 0: retaining\n\nChannel 1: Yep.\n\nChannel 0: it. But I did go back and have a really good look, and I asked the insurers what they were willing to come back with. And, unfortunately, it was a tough one.\n\nChannel 1: Yep.\n\nChannel 0: But we'll make sure that you are still you know, you are covered, which is really important. Okay?\n\nChannel 1: Okay. No. That's cool. Thank you.\n\nChannel 0: Yeah. That's okay. So I am recommending we retain the MLC there. I am recommending that we do move all but 10,000 out. So we do wanna do a regular yearly rollover and and everything over that $10,000.\n\nSo it does mean at\n\nChannel 1: Yes.\n\nChannel 0: the moment, it's about a $9,000 rollover into hub twenty four there. The other thing you and I had a chat about was looking at your portfolio, how it was performing, getting rid of any underperforming investments, but you also wanted to have a bit of a look at whether there was any other commodities worth holding as well because your gold\n\nChannel 1: Yes.\n\nChannel 0: and silver had done really, really nicely.\n\nChannel 1: Yes.\n\nChannel 0: With that, I've reviewed that for you. We are removing all of the Benelong Australian equities. That's been underperforming in your portfolio. As much as you've seen a great return this year, it has been underperforming. It is worth getting rid of that investment.\n\nChannel 1: Yep.\n\nChannel 0: And instead of having the the Benelong in there, we're gonna move the funds into the Australian 200, which is a cheaper investment, and it's actually proven great greater performance over the past. So the newer\n\nChannel 1: Okay.\n\nChannel 0: portfolio provides a greater track record for you. It's also cheaper. When I looked at the difference between the portfolios for the year, we're actually saving $1,114 on investment\n\nChannel 1: Cool.\n\nChannel 0: fees. So\n\nChannel 1: Oh, wow.\n\nChannel 0: this,\n\nChannel 1: Okay. Yeah.\n\nChannel 0: yeah,\n\nChannel 1: Absolutely.\n\nChannel 0: so this newer portfolio has been performing a little bit better, but also making sure we're saving on investment fees for keeping more money invested for you, which is a positive.\n\nChannel 1: Yep. Perfect.\n\nChannel 0: Now the other thing I did look at was I know your gold and silver has been performing beautifully. I'm not getting rid of any of that. I'm keeping it, but I am rebalancing it because at the moment, you're in a growth meant to be in more of a growth environment, which is\n\nChannel 1: Yep.\n\nChannel 0: a eighty twenty split. When I look at your risk profile, the way you're invested at the moment is you're actually 98% invested in growth assets. So you are taking a lot more risk than what you're comfortable with at the moment. So I'm\n\nChannel 1: Okay.\n\nChannel 0: keeping the keeping the gold and silver in there. I'm just selling some of it to rebalance your portfolio to bring your risk level down because they're growth investments. And we're cementing some of the gains that they've seen and distributing those across other areas to make sure we keep rebalancing the portfolio, keep your risk level as low as possible, but also making sure that we're compounding those gains so they can keep growing and building for you. Does that make sense?\n\nChannel 1: Okay. Yes. Yep. Yep.\n\nChannel 0: Yep. Beautiful. The other thing is within Hub twenty four, they only allow you to hold about 40% of your total portfolio in alternatives, so, like, gold and silver.\n\nChannel 1: Yep.\n\nChannel 0: So you were actually about 53% when I had a look last time. So we're gonna rebalance that before they tell us we have to, and it brings you back down just under that 40%. So we're keeping you at 39% invested there just under the limit that Hub allow us.\n\nChannel 1: Yep.\n\nChannel 0: So keeping those,\n\nChannel 1: Alright, sir.\n\nChannel 0: Yeah. It does mean that because they are the best performers in commodities, I haven't been able to add any other metals in there. But I've had a really good look, and because you do have the a 200, you've got some tech in there, and you've also got the S and P 500, You are also invested in other areas like mining and things like that. So you would do have other indirect\n\nChannel 1: Okay.\n\nChannel 0: exposure into other minerals as well to give you a bit of clarity. Okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Good.\n\nChannel 0: All\n\nChannel 1: So\n\nChannel 0: good.\n\nChannel 1: what you're taking\n\nChannel 0: Yes.\n\nChannel 1: from the gold and silver, will that go into the new one?\n\nChannel 0: Yes. It will. Yeah. So, essentially, what we'll be doing is just selling all of the banner along a little bit of the gold, a little bit of the silver, and some of the Asia, and then we're moving all that the money that we're selling into our cybersecurity to bring you up a little bit there, giving you some more exposure into the Europe because Europe is still a growing area and it's diversifying your portfolio. Increasing your exposure into the S and P five hundred, which is giving you more indirect access to some of those other minerals and mining companies.\n\nChannel 1: Yes.\n\nChannel 0: Buying into the Australian 200 to give you exposure into the top 200 companies on the ASX. We're also increasing and giving defensive investment. So looking at I the iShield yield yield plus, which is high interest income producing, so we're thinking things like fixed interest and bonds to give you some diversification. But because at the moment, you have a lot of growth assets that diversification. But because at the moment, you have a lot of growth assets and next to no defensive assets, we gotta have some of those low risk defensive assets in there for you.\n\nChannel 1: Yep.\n\nChannel 0: And then with the Morningstar global tech sector, which again is giving you some more, you know, underlying indirect exposure to the tech as well as the mining sector, we're gonna go from three to 5% in there. So I didn't wanna, you know, reduce the gold and silver holdings below that per point. Because when I look at minerals as a whole, gold has has been the best performer. Silver has also been a really good performer. The other minerals out there, like platinum and copper and things, they do perform quite well, but they are also very volatile, very risky.\n\nSo the way I\n\nChannel 1: Yes.\n\nChannel 0: sort of see putting this for you is keeping your direct exposure to those safer minerals, like the gold and silver that have shown you they're performing quite well. And then everything else that is seen is a little bit more risky and is more volatile than we have indirect exposure that way. So we're also diversifying and protecting your portfolio a little bit if that makes sense.\n\nChannel 1: First. Perfect. Yep. No. Makes\n\nChannel 0: Yeah.\n\nChannel 1: sense.\n\nChannel 0: Oh, good. And, look, as a whole, it's actually also saving you in investment fees. As I said, we'll save $1,114 for the year in investment fees. That's a huge saving.\n\nChannel 1: Yep.\n\nChannel 0: There are CGT consequences for doing the switch of the investments there. Your super fund will account for that. It's about 2,177, but I figured with everything you've seen and with the gains that you had out of your portfolio and your balance, that CGT is very minimal, which is fantastic. And then we're saving fees in other areas for you, which is a positive, and lowering your overall risk, which is a really good thing in the current climate with the current market conditions that we have as well. So,\n\nChannel 1: Yes.\n\nChannel 0: yeah,\n\nChannel 1: No. Thank you. Makes sense.\n\nChannel 0: does that make sense? Yeah. Do\n\nChannel 1: Yep.\n\nChannel 0: you have any questions so far? Sorry. I've tried to keep it as brief as possible for you.\n\nChannel 1: Well, no. No. Yeah. It's all being clear. Yeah.\n\nYou you explained\n\nChannel 0: Oh,\n\nChannel 1: it so\n\nChannel 0: fantastic.\n\nChannel 1: I can understand it, which is good.\n\nChannel 0: Oh, good. Good. Well, look, I've sent you the documents, so run your eyes over it. I've outlined step by\n\nChannel 1: I've\n\nChannel 0: step\n\nChannel 1: signed\n\nChannel 0: the set\n\nChannel 1: it.\n\nChannel 0: essentially oh, you have. You're a gem. Do you want me to resend you a copy of it to your email to sort of have a bit of a look at after? Or\n\nChannel 1: Yeah. Alright. Because I just\n\nChannel 0: yeah.\n\nChannel 1: sign it when it come from you guys. I don't I just\n\nChannel 0: Oh,\n\nChannel 1: trust you.\n\nChannel 0: oh, thank you. Well, I promise I will never do anything that doesn't that does isn't there to work in your best interest. And that's the other thing is in these advice documents, I do have a best interest duty statement which outlines why I'm making the recommendations and how it aligns to your goals there. And I've\n\nChannel 1: Yes.\n\nChannel 0: actually sort of had a look at the retirement projections for you. So by by retaining, by making this switch and seeing things projected forward, you're actually staying pretty well on track to get a really good retirement income. We're aiming for around 75,000 in retirement per year at the moment. And with what\n\nChannel 1: Yep.\n\nChannel 0: we're projected forward, it looks like we're actually aiming for that. I've also had a look at your age pension eligibility. You'll be eligible for some age pension as well to supplement some of that income, which is fantastic. But retirement projection wise, you're pretty well on track for a good retirement of that 75,000 per year plus some age pension to supplement there, and your super looks ready to sort of hold on. We should be able to keep it going to about age 90 at this point.\n\nSo\n\nChannel 1: Oh,\n\nChannel 0: we wanna keep building and growing\n\nChannel 1: wow.\n\nChannel 0: on that, but thus far with the retirement projections, we're doing really well so far. So\n\nChannel 1: Yep.\n\nChannel 0: yeah.\n\nChannel 1: Awesome.\n\nChannel 0: Yeah.\n\nChannel 1: No. Thank you so\n\nChannel 0: Oh,\n\nChannel 1: much.\n\nChannel 0: good. That's okay. I will shoot a copy of that document to you as well just so you have it in your emails. You're welcome to read it through and let me know if you do happen to have any questions.\n\nChannel 1: Yep.\n\nChannel 0: And, yeah, I will thank you so much for taking my call. I'm so sorry.\n\nChannel 1: No. Thank you for calling. Yeah. I just\n\nChannel 0: That's\n\nChannel 1: had\n\nChannel 0: okay.\n\nChannel 1: it shipped yesterday, and I couldn't get the call.\n\nChannel 0: Oh, it's honestly absolutely fine. That's why we sent that message through. And I sort of checked my emails late last night, and I saw the message come back. I thought, oh, good. I'll give you an off the cuff call this afternoon, see how you're going, see if you got a few minutes for me, and we'll get this sorted for you nice and quickly.\n\nSo\n\nChannel 1: Awesome.\n\nChannel 0: yeah.\n\nChannel 1: No. Thanks a lot for that.\n\nChannel 0: Oh, not a problem, Anna. I'll let you go to have a good afternoon. I'll get that email through as soon as you find you have any questions later on, let me know. Okay?\n\nChannel 1: Cool. Thank you so much. You have a great\n\nChannel 0: That's\n\nChannel 1: day.\n\nChannel 0: okay. You too. Thank you so much. Enjoy your weekend.\n\nChannel 1: Thank you. Take care.\n\nChannel 0: Thanks, Anna. See you later. Bye.\n\nChannel 1: Bye bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.24,"end":0.74,"sentiment":"neutral","sentiment_score":0.022010575979948044}],"sentiment":"neutral","sentiment_score":0.022010575979948044,"channel":1,"num_words":1,"start":0.24,"end":0.74},{"sentences":[{"text":"Hi, Anna.","start":1.5999999,"end":2.24,"sentiment":"neutral","sentiment_score":0.08920653909444809},{"text":"It's Dana from OT Financial.","start":2.24,"end":3.9399998,"sentiment":"neutral","sentiment_score":0.11596534997224808},{"text":"How are you this afternoon?","start":4.0,"end":5.14,"sentiment":"neutral","sentiment_score":0.15688545107841492}],"sentiment":"neutral","sentiment_score":0.12855559028685093,"channel":0,"num_words":12,"start":1.5999999,"end":5.14},{"sentences":[{"text":"Not too bad.","start":5.7599998,"end":6.56,"sentiment":"neutral","sentiment_score":0.2772829333941142},{"text":"Thank you.","start":6.56,"end":6.96,"sentiment":"positive","sentiment_score":0.47204799950122833},{"text":"How are you?","start":6.96,"end":7.8599997,"sentiment":"neutral","sentiment_score":0.3054649829864502}],"sentiment":"positive","sentiment_score":0.3365424685180187,"channel":1,"num_words":8,"start":5.7599998,"end":7.8599997},{"sentences":[{"text":"I'm very well.","start":8.08,"end":9.04,"sentiment":"positive","sentiment_score":0.508883019288381},{"text":"Thank you.","start":9.04,"end":9.44,"sentiment":"positive","sentiment_score":0.6554398238658905},{"text":"Thanks for asking.","start":9.44,"end":10.32,"sentiment":"positive","sentiment_score":0.609201967716217},{"text":"I would just give you a quick call to see if you had some time this afternoon just to run through your updated statement of advice.","start":10.559999,"end":16.135,"sentiment":"neutral","sentiment_score":0.13796807624972784}],"sentiment":"neutral","sentiment_score":0.24271484091877937,"channel":0,"num_words":34,"start":8.08,"end":16.135},{"sentences":[{"text":"Yeah.","start":16.735,"end":17.055,"sentiment":"neutral","sentiment_score":0.06832124292850494},{"text":"I've got about fifteen or so minutes now.","start":17.055,"end":19.715,"sentiment":"neutral","sentiment_score":0.07311159744858742}],"sentiment":"neutral","sentiment_score":0.07257933583524492,"channel":1,"num_words":9,"start":16.735,"end":19.715},{"sentences":[{"text":"Yeah.","start":20.115,"end":20.355,"sentiment":"neutral","sentiment_score":0.12491567432880402},{"text":"That's okay.","start":20.355,"end":20.994999,"sentiment":"neutral","sentiment_score":0.18252258747816086},{"text":"Well, I can make a fit within that time.","start":20.994999,"end":23.175,"sentiment":"neutral","sentiment_score":0.18708819316493142},{"text":"Not an","start":23.235,"end":23.635,"sentiment":"neutral","sentiment_score":0.008790574967861176}],"sentiment":"neutral","sentiment_score":0.15652398126465933,"channel":0,"num_words":14,"start":20.115,"end":23.635},{"sentences":[{"text":"Alright.","start":23.615,"end":24.095001,"sentiment":"neutral","sentiment_score":0.026464570313692093}],"sentiment":"neutral","sentiment_score":0.026464570313692093,"channel":1,"num_words":1,"start":23.615,"end":24.095001},{"sentences":[{"text":"issue at","start":23.635,"end":24.195,"sentiment":"neutral","sentiment_score":0.049487289041280746}],"sentiment":"neutral","sentiment_score":0.049487289041280746,"channel":0,"num_words":2,"start":23.635,"end":24.195},{"sentences":[{"text":"Awesome.","start":24.095001,"end":24.595001,"sentiment":"positive","sentiment_score":0.38423898816108704}],"sentiment":"positive","sentiment_score":0.38423898816108704,"channel":1,"num_words":1,"start":24.095001,"end":24.595001},{"sentences":[{"text":"all.","start":24.195,"end":24.695,"sentiment":"neutral","sentiment_score":0.32653504610061646},{"text":"Excellent.","start":26.83,"end":27.33,"sentiment":"positive","sentiment_score":0.4724782109260559},{"text":"Before I jump into the call, I will just let you know","start":27.470001,"end":29.630001,"sentiment":"neutral","sentiment_score":0.15252390131354332}],"sentiment":"neutral","sentiment_score":0.18780714805637086,"channel":0,"num_words":14,"start":24.195,"end":29.630001},{"sentences":[{"text":"Perfect.","start":29.49,"end":29.99,"sentiment":"neutral","sentiment_score":0.2458706945180893}],"sentiment":"neutral","sentiment_score":0.2458706945180893,"channel":1,"num_words":1,"start":29.49,"end":29.99},{"sentences":[{"text":"we do record our calls for quality and training purposes.","start":29.630001,"end":32.11,"sentiment":"neutral","sentiment_score":0.12961284965276718},{"text":"Are you happy for me to proceed with that?","start":32.11,"end":34.37,"sentiment":"neutral","sentiment_score":0.1626855863465203}],"sentiment":"neutral","sentiment_score":0.14527888282349236,"channel":0,"num_words":19,"start":29.630001,"end":34.37},{"sentences":[{"text":"Absolutely.","start":34.37,"end":34.87,"sentiment":"neutral","sentiment_score":0.2603369653224945}],"sentiment":"neutral","sentiment_score":0.2603369653224945,"channel":1,"num_words":1,"start":34.37,"end":34.87},{"sentences":[{"text":"Beautiful.","start":35.87,"end":36.37,"sentiment":"positive","sentiment_score":0.3858320116996765},{"text":"And as for the security, I'm discussing your personal information.","start":36.43,"end":39.23,"sentiment":"neutral","sentiment_score":0.09297171756625175},{"text":"So I just need to confirm your full name, your date of birth, and address I should have on","start":39.23,"end":43.055,"sentiment":"neutral","sentiment_score":0.06678999744747814}],"sentiment":"neutral","sentiment_score":0.08615197129547596,"channel":0,"num_words":30,"start":35.87,"end":43.055},{"sentences":[{"text":"Yep.","start":43.585003,"end":43.905003,"sentiment":"neutral","sentiment_score":0.05759134143590927},{"text":"It's Anna","start":43.905003,"end":44.865,"sentiment":"neutral","sentiment_score":0.04052547365427017}],"sentiment":"neutral","sentiment_score":0.04621409624814987,"channel":1,"num_words":3,"start":43.585003,"end":44.865},{"sentences":[{"text":"file.","start":44.795002,"end":45.295002,"sentiment":"neutral","sentiment_score":0.043886613100767136}],"sentiment":"neutral","sentiment_score":0.043886613100767136,"channel":0,"num_words":1,"start":44.795002,"end":45.295002},{"sentences":[{"text":"Deangelis.","start":44.865,"end":45.365,"sentiment":"neutral","sentiment_score":0.023840712383389473},{"text":"167132 Heritage Drive, Mill Park, Victoria 3082.","start":46.145,"end":52.62,"sentiment":"neutral","sentiment_score":0.029379803155149733}],"sentiment":"neutral","sentiment_score":0.0286874168086797,"channel":1,"num_words":8,"start":44.865,"end":52.62},{"sentences":[{"text":"K.","start":52.955,"end":53.115,"sentiment":"neutral","sentiment_score":0.10353395342826845},{"text":"Beautiful.","start":53.115,"end":53.595,"sentiment":"positive","sentiment_score":0.3564673662185669},{"text":"Thank you so much for that.","start":53.595,"end":54.955,"sentiment":"positive","sentiment_score":0.5144729961951574},{"text":"I'll try to keep this nice and short and sweet, and I've sent the document here to review a bit after as well.","start":54.955,"end":59.829998,"sentiment":"positive","sentiment_score":0.34715435815894086}],"sentiment":"positive","sentiment_score":0.3719803075636587,"channel":0,"num_words":31,"start":52.955,"end":59.829998},{"sentences":[{"text":"Yep.","start":60.2,"end":60.7,"sentiment":"neutral","sentiment_score":0.04079463705420494}],"sentiment":"neutral","sentiment_score":0.04079463705420494,"channel":1,"num_words":1,"start":60.2,"end":60.7},{"sentences":[{"text":"But when you and I spoke last time, we looked at this updating the advice.","start":60.21,"end":63.57,"sentiment":"neutral","sentiment_score":-0.017380565653244653},{"text":"You had a retention to retain MLC for the insurances.","start":63.57,"end":66.79,"sentiment":"neutral","sentiment_score":-0.044731315597891806},{"text":"So we were looking at whether we could get new cover for you.","start":66.93,"end":71.03,"sentiment":"neutral","sentiment_score":-0.03264200630096289},{"text":"Unfortunately, because that breast cancer diagnosis is still kind of in twenty twenty twenty twenty one, new insurers won't sort of look at anything at the moment, so we are gonna have to retain the MLC for the time being to keep the cover.","start":71.405,"end":84.065,"sentiment":"neutral","sentiment_score":-0.22601302594623782}],"sentiment":"neutral","sentiment_score":-0.135084644686885,"channel":0,"num_words":82,"start":60.21,"end":84.065},{"sentences":[{"text":"Yep.","start":84.47,"end":84.97,"sentiment":"neutral","sentiment_score":0.004406359046697617}],"sentiment":"neutral","sentiment_score":0.004406359046697617,"channel":1,"num_words":1,"start":84.47,"end":84.97},{"sentences":[{"text":"In saying that, when I had a bit of a look back at your goals there, you were wanting to essentially pay off all your debts with your life and TBD in the event that something happens to you.","start":84.56,"end":94.74,"sentiment":"neutral","sentiment_score":0.0631405071188242},{"text":"So with your MLC cover, you're covered for about $117,002.28 at the moment, but then you've also got a really good super balance of $428,004.04 3 and another 19 odd thousand in MLC as well.","start":94.88,"end":108.335,"sentiment":"neutral","sentiment_score":0.16969237104058266},{"text":"So in the","start":108.335,"end":109.18,"sentiment":"neutral","sentiment_score":0.033433761447668076}],"sentiment":"neutral","sentiment_score":0.11041576686230573,"channel":0,"num_words":77,"start":84.56,"end":109.18},{"sentences":[{"text":"Okay.","start":109.14,"end":109.64,"sentiment":"neutral","sentiment_score":0.03461414948105812}],"sentiment":"neutral","sentiment_score":0.03461414948105812,"channel":1,"num_words":1,"start":109.14,"end":109.64},{"sentences":[{"text":"event of a yeah.","start":109.18,"end":110.54,"sentiment":"neutral","sentiment_score":0.017348740715533495},{"text":"So in the event of a life event, so you you to pass away, your life insurance does actually pay off your mortgage and, I believe, your car loan as well.","start":110.54,"end":119.18,"sentiment":"neutral","sentiment_score":0.11117608917336311},{"text":"So it covers all of your debts.","start":119.18,"end":120.799995,"sentiment":"neutral","sentiment_score":0.25750034196036203},{"text":"And then the rest of the benefit plus your super can be paid out to your beneficiaries as additional buffer for them.","start":120.995,"end":127.895004,"sentiment":"neutral","sentiment_score":0.18589576266028665}],"sentiment":"neutral","sentiment_score":0.14700098280445673,"channel":0,"num_words":64,"start":109.18,"end":127.895004},{"sentences":[{"text":"Mhmm.","start":128.3,"end":128.8,"sentiment":"neutral","sentiment_score":0.04197881370782852}],"sentiment":"neutral","sentiment_score":0.04197881370782852,"channel":1,"num_words":1,"start":128.3,"end":128.8},{"sentences":[{"text":"And with the TBD, the same thing.","start":128.355,"end":130.435,"sentiment":"neutral","sentiment_score":0.041006171011499},{"text":"So if anything was to happen with TBD, the amount of cover you have does pay out all of your debts to leave you debt free.","start":130.435,"end":136.84999,"sentiment":"neutral","sentiment_score":0.04861408648475145},{"text":"And then we can also claim incapacity against TBD as well to have your super both released to provide additional benefit for you as well.","start":136.84999,"end":145.48999,"sentiment":"neutral","sentiment_score":0.0332211047410965},{"text":"So,","start":145.48999,"end":145.98999,"sentiment":"neutral","sentiment_score":-0.009681712836027144}],"sentiment":"neutral","sentiment_score":0.04020093815890535,"channel":0,"num_words":59,"start":128.355,"end":145.98999},{"sentences":[{"text":"Okay.","start":146.155,"end":146.655,"sentiment":"neutral","sentiment_score":-0.009679779410362244}],"sentiment":"neutral","sentiment_score":-0.009679779410362244,"channel":1,"num_words":1,"start":146.155,"end":146.655},{"sentences":[{"text":"Bill, yeah, so, realistically, whilst we're unable to look at getting new cover now, it does also mean that with the benefit you have, you're not paying great deal for it.","start":146.37,"end":156.535,"sentiment":"neutral","sentiment_score":-0.2633344175354127},{"text":"It's a bit over a thousand dollars for the year for the cover you have,","start":156.535,"end":159.995,"sentiment":"neutral","sentiment_score":-0.17830109198888142}],"sentiment":"neutral","sentiment_score":-0.23560615920502206,"channel":0,"num_words":46,"start":146.37,"end":159.995},{"sentences":[{"text":"Yep.","start":160.40999,"end":160.785,"sentiment":"neutral","sentiment_score":-0.0010544832330197096}],"sentiment":"neutral","sentiment_score":-0.0010544832330197096,"channel":1,"num_words":1,"start":160.40999,"end":160.785},{"sentences":[{"text":"and retaining that life and TBD benefit does work better for you at the moment.","start":160.53,"end":164.85,"sentiment":"neutral","sentiment_score":0.12344082593917846},{"text":"So I am retaining that one.","start":164.85,"end":167.09,"sentiment":"neutral","sentiment_score":0.024517749746640522},{"text":"It doesn't mean we are retaining the income protection.","start":167.09,"end":169.75,"sentiment":"neutral","sentiment_score":-0.07387877876559894},{"text":"It is a little bit under you are slightly underinsured with regards to income protection only just slightly with given your income.","start":170.13,"end":177.55501,"sentiment":"neutral","sentiment_score":-0.12543213367462158},{"text":"But because of we're not sort of six to seven years out from that cancer diagnosis with your breast cancer.","start":178.255,"end":184.035,"sentiment":"neutral","sentiment_score":-0.2289641175419092}],"sentiment":"neutral","sentiment_score":-0.08340249184726013,"channel":0,"num_words":72,"start":160.53,"end":184.035},{"sentences":[{"text":"So","start":184.255,"end":184.57501,"sentiment":"neutral","sentiment_score":-0.07707633078098297}],"sentiment":"neutral","sentiment_score":-0.07707633078098297,"channel":0,"num_words":1,"start":184.255,"end":184.57501},{"sentences":[{"text":"Yep.","start":184.56,"end":185.06,"sentiment":"neutral","sentiment_score":-0.09409746527671814}],"sentiment":"neutral","sentiment_score":-0.09409746527671814,"channel":1,"num_words":1,"start":184.56,"end":185.06},{"sentences":[{"text":"because of that, we're not able to get new cover as of yet.","start":184.57501,"end":187.375,"sentiment":"neutral","sentiment_score":-0.21489629034812635},{"text":"So it did","start":187.375,"end":188.01501,"sentiment":"neutral","sentiment_score":-0.014250519995888075}],"sentiment":"neutral","sentiment_score":-0.17727520840708166,"channel":0,"num_words":16,"start":184.57501,"end":188.01501},{"sentences":[{"text":"Oh,","start":187.92,"end":188.16,"sentiment":"neutral","sentiment_score":-0.008102335035800934}],"sentiment":"neutral","sentiment_score":-0.008102335035800934,"channel":1,"num_words":1,"start":187.92,"end":188.16},{"sentences":[{"text":"mean","start":188.01501,"end":188.255,"sentiment":"neutral","sentiment_score":-0.027466140687465668}],"sentiment":"neutral","sentiment_score":-0.027466140687465668,"channel":0,"num_words":1,"start":188.01501,"end":188.255},{"sentences":[{"text":"okay.","start":188.16,"end":188.595,"sentiment":"neutral","sentiment_score":0.02221943624317646}],"sentiment":"neutral","sentiment_score":0.02221943624317646,"channel":1,"num_words":1,"start":188.16,"end":188.595},{"sentences":[{"text":"retaining","start":188.255,"end":188.755,"sentiment":"neutral","sentiment_score":0.024170219898223877}],"sentiment":"neutral","sentiment_score":0.024170219898223877,"channel":0,"num_words":1,"start":188.255,"end":188.755},{"sentences":[{"text":"Yep.","start":188.595,"end":189.095,"sentiment":"neutral","sentiment_score":0.0193244107067585}],"sentiment":"neutral","sentiment_score":0.0193244107067585,"channel":1,"num_words":1,"start":188.595,"end":189.095},{"sentences":[{"text":"it.","start":188.815,"end":189.05501,"sentiment":"neutral","sentiment_score":0.024417614564299583},{"text":"But I did go back and have a really good look, and I asked the insurers what they were willing to come back with.","start":189.05501,"end":194.31,"sentiment":"neutral","sentiment_score":0.015263832795123259},{"text":"And, unfortunately, it was a tough one.","start":194.31,"end":196.33,"sentiment":"negative","sentiment_score":-0.347765177488327}],"sentiment":"neutral","sentiment_score":-0.06386270752409473,"channel":0,"num_words":32,"start":188.815,"end":196.33},{"sentences":[{"text":"Yep.","start":196.755,"end":197.255,"sentiment":"neutral","sentiment_score":0.008207306265830994}],"sentiment":"neutral","sentiment_score":0.008207306265830994,"channel":1,"num_words":1,"start":196.755,"end":197.255},{"sentences":[{"text":"But we'll make sure that you are still you know, you are covered, which is really important.","start":197.11,"end":200.81,"sentiment":"neutral","sentiment_score":0.040316438631099814},{"text":"Okay?","start":201.11,"end":201.61,"sentiment":"neutral","sentiment_score":0.06034177541732788}],"sentiment":"neutral","sentiment_score":0.04142895734144582,"channel":0,"num_words":18,"start":197.11,"end":201.61},{"sentences":[{"text":"Okay.","start":201.395,"end":201.895,"sentiment":"neutral","sentiment_score":0.046024225652217865},{"text":"No.","start":201.955,"end":202.035,"sentiment":"neutral","sentiment_score":0.036822766065597534},{"text":"That's cool.","start":202.035,"end":202.675,"sentiment":"neutral","sentiment_score":0.221839539706707},{"text":"Thank you.","start":202.675,"end":203.43,"sentiment":"positive","sentiment_score":0.38517801463603973}],"sentiment":"neutral","sentiment_score":0.2161470167338848,"channel":1,"num_words":6,"start":201.395,"end":203.43},{"sentences":[{"text":"Yeah.","start":203.27,"end":203.75,"sentiment":"neutral","sentiment_score":0.1454121470451355},{"text":"That's okay.","start":203.75,"end":204.56999,"sentiment":"neutral","sentiment_score":0.15489555895328522},{"text":"So I am recommending we retain the MLC there.","start":205.39499,"end":208.11499,"sentiment":"neutral","sentiment_score":0.06782623007893562},{"text":"I am recommending that we do move all but 10,000 out.","start":208.11499,"end":212.11499,"sentiment":"neutral","sentiment_score":0.013760756531899626},{"text":"So we do wanna do a regular yearly rollover and and everything over that $10,000.","start":212.11499,"end":217.39499,"sentiment":"neutral","sentiment_score":0.06398557523886363}],"sentiment":"neutral","sentiment_score":0.057283981213052025,"channel":0,"num_words":38,"start":203.27,"end":217.39499},{"sentences":[{"text":"So it does mean at","start":217.39499,"end":218.19499,"sentiment":"neutral","sentiment_score":0.05528744980692864}],"sentiment":"neutral","sentiment_score":0.05528744980692864,"channel":0,"num_words":5,"start":217.39499,"end":218.19499},{"sentences":[{"text":"Yes.","start":218.155,"end":218.655,"sentiment":"neutral","sentiment_score":0.04140019416809082}],"sentiment":"neutral","sentiment_score":0.04140019416809082,"channel":1,"num_words":1,"start":218.155,"end":218.655},{"sentences":[{"text":"the moment, it's about a $9,000 rollover into hub twenty four there.","start":218.19499,"end":223.05,"sentiment":"neutral","sentiment_score":0.037081637885421515},{"text":"The other thing you and I had a chat about was looking at your portfolio, how it was performing, getting rid of any underperforming investments, but you also wanted to have a bit of a look at whether there was any other commodities worth holding as well because your gold","start":223.05,"end":236.67499,"sentiment":"neutral","sentiment_score":0.028808141835033895}],"sentiment":"neutral","sentiment_score":0.03040946365123795,"channel":0,"num_words":62,"start":218.19499,"end":236.67499},{"sentences":[{"text":"Yes.","start":236.65,"end":237.15,"sentiment":"neutral","sentiment_score":0.1835044026374817}],"sentiment":"neutral","sentiment_score":0.1835044026374817,"channel":1,"num_words":1,"start":236.65,"end":237.15},{"sentences":[{"text":"and silver had done really, really 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underperforming.","start":248.67499,"end":252.3,"sentiment":"neutral","sentiment_score":-0.23189015580075129},{"text":"It is worth getting rid of that investment.","start":252.52,"end":254.38,"sentiment":"neutral","sentiment_score":-0.247897295281291}],"sentiment":"neutral","sentiment_score":-0.20753270156935535,"channel":0,"num_words":44,"start":240.995,"end":254.38},{"sentences":[{"text":"Yep.","start":254.985,"end":255.3,"sentiment":"neutral","sentiment_score":0.048043735325336456}],"sentiment":"neutral","sentiment_score":0.048043735325336456,"channel":1,"num_words":1,"start":254.985,"end":255.3},{"sentences":[{"text":"And instead of having the the Benelong in there, we're gonna move the funds into the Australian 200, which is a cheaper investment, and it's actually proven great greater performance over the past.","start":255.0,"end":265.88,"sentiment":"neutral","sentiment_score":0.22901605825984117},{"text":"So the 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this newer portfolio has been performing a little bit better, but also making sure we're saving on investment fees for keeping more money invested for you, which is a positive.","start":282.3,"end":292.24,"sentiment":"positive","sentiment_score":0.3940220513651448}],"sentiment":"positive","sentiment_score":0.3940220513651448,"channel":0,"num_words":31,"start":282.3,"end":292.24},{"sentences":[{"text":"Yep.","start":292.75998,"end":293.25998,"sentiment":"neutral","sentiment_score":0.28456202149391174},{"text":"Perfect.","start":293.31998,"end":293.81998,"sentiment":"positive","sentiment_score":0.45809948444366455}],"sentiment":"positive","sentiment_score":0.37133075296878815,"channel":1,"num_words":2,"start":292.75998,"end":293.81998},{"sentences":[{"text":"Now the other thing I did look at was I know your gold and silver has been performing beautifully.","start":294.335,"end":299.055,"sentiment":"neutral","sentiment_score":0.16903153297148252},{"text":"I'm not getting rid of any of 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keeping you at 39% invested there just under the limit that Hub allow us.","start":372.69,"end":377.49,"sentiment":"neutral","sentiment_score":0.19467009045183659}],"sentiment":"neutral","sentiment_score":0.15061607766969531,"channel":0,"num_words":51,"start":361.505,"end":377.49},{"sentences":[{"text":"Yep.","start":377.44,"end":377.94,"sentiment":"neutral","sentiment_score":0.14191573858261108}],"sentiment":"neutral","sentiment_score":0.14191573858261108,"channel":1,"num_words":1,"start":377.44,"end":377.94},{"sentences":[{"text":"So keeping those,","start":377.49,"end":378.63,"sentiment":"neutral","sentiment_score":0.15095377465089163}],"sentiment":"neutral","sentiment_score":0.15095377465089163,"channel":0,"num_words":3,"start":377.49,"end":378.63},{"sentences":[{"text":"Alright, 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yesterday, and I couldn't get the call.","start":704.56995,"end":707.47,"sentiment":"neutral","sentiment_score":-0.18447039110793007}],"sentiment":"neutral","sentiment_score":-0.18447039110793007,"channel":1,"num_words":9,"start":704.56995,"end":707.47},{"sentences":[{"text":"Oh, it's honestly absolutely fine.","start":707.92,"end":709.75995,"sentiment":"neutral","sentiment_score":0.3086355268955231},{"text":"That's why we sent that message through.","start":709.75995,"end":711.36,"sentiment":"neutral","sentiment_score":0.20206432470253535},{"text":"And I sort of checked my emails late last night, and I saw the message come back.","start":711.36,"end":714.8,"sentiment":"neutral","sentiment_score":0.08220623148714795},{"text":"I thought, oh, good.","start":714.8,"end":715.68,"sentiment":"neutral","sentiment_score":0.1104928394779563},{"text":"I'll give you an off the cuff call this afternoon, see how you're going, see if you got a few minutes for me, and we'll get this sorted for you nice and quickly.","start":715.68,"end":723.125,"sentiment":"neutral","sentiment_score":0.21880879207993997}],"sentiment":"neutral","sentiment_score":0.18208780817010187,"channel":0,"num_words":66,"start":707.92,"end":723.125},{"sentences":[{"text":"So","start":723.585,"end":723.705,"sentiment":"positive","sentiment_score":0.6731399893760681}],"sentiment":"positive","sentiment_score":0.6731399893760681,"channel":0,"num_words":1,"start":723.585,"end":723.705},{"sentences":[{"text":"Awesome.","start":723.675,"end":724.175,"sentiment":"positive","sentiment_score":0.7411419153213501}],"sentiment":"positive","sentiment_score":0.7411419153213501,"channel":1,"num_words":1,"start":723.675,"end":724.175},{"sentences":[{"text":"yeah.","start":723.825,"end":724.325,"sentiment":"positive","sentiment_score":0.3738479912281037}],"sentiment":"positive","sentiment_score":0.3738479912281037,"channel":0,"num_words":1,"start":723.825,"end":724.325},{"sentences":[{"text":"No.","start":724.315,"end":724.555,"sentiment":"neutral","sentiment_score":0.1519242227077484},{"text":"Thanks a lot for that.","start":724.555,"end":726.015,"sentiment":"positive","sentiment_score":0.6062061190605164}],"sentiment":"positive","sentiment_score":0.5304924696683884,"channel":1,"num_words":6,"start":724.315,"end":726.015},{"sentences":[{"text":"Oh, not a problem, Anna.","start":726.22504,"end":727.66504,"sentiment":"positive","sentiment_score":0.4033862352371216},{"text":"I'll let you go to have a good afternoon.","start":727.66504,"end":729.525,"sentiment":"positive","sentiment_score":0.5705464283625284},{"text":"I'll get that email through as soon as you find you have any questions later on, let me know.","start":729.585,"end":733.505,"sentiment":"positive","sentiment_score":0.37038519037397283},{"text":"Okay?","start":733.505,"end":734.005,"sentiment":"neutral","sentiment_score":0.2315664440393448}],"sentiment":"positive","sentiment_score":0.42413923801744685,"channel":0,"num_words":34,"start":726.22504,"end":734.005},{"sentences":[{"text":"Cool.","start":734.41,"end":734.73,"sentiment":"positive","sentiment_score":0.6621518731117249},{"text":"Thank you so much.","start":734.73,"end":735.93,"sentiment":"positive","sentiment_score":0.8271781653165817},{"text":"You have a great","start":735.93,"end":736.73,"sentiment":"positive","sentiment_score":0.77569879591465}],"sentiment":"positive","sentiment_score":0.7859621908929613,"channel":1,"num_words":9,"start":734.41,"end":736.73},{"sentences":[{"text":"That's","start":736.55,"end":736.87,"sentiment":"positive","sentiment_score":0.5765573978424072}],"sentiment":"positive","sentiment_score":0.5765573978424072,"channel":0,"num_words":1,"start":736.55,"end":736.87},{"sentences":[{"text":"day.","start":736.73,"end":737.1749,"sentiment":"positive","sentiment_score":0.6148199439048767}],"sentiment":"positive","sentiment_score":0.6148199439048767,"channel":1,"num_words":1,"start":736.73,"end":737.1749},{"sentences":[{"text":"okay.","start":736.87,"end":737.37,"sentiment":"positive","sentiment_score":0.3957875669002533},{"text":"You too.","start":737.75,"end":738.23,"sentiment":"positive","sentiment_score":0.4121723026037216},{"text":"Thank you so much.","start":738.23,"end":739.19,"sentiment":"positive","sentiment_score":0.8037721812725067},{"text":"Enjoy your weekend.","start":739.19,"end":740.17,"sentiment":"positive","sentiment_score":0.7833543618520101}],"sentiment":"positive","sentiment_score":0.6785283982753754,"channel":0,"num_words":10,"start":736.87,"end":740.17},{"sentences":[{"text":"Thank you.","start":740.8549,"end":741.5949,"sentiment":"positive","sentiment_score":0.7507184445858002},{"text":"Take care.","start":741.6549,"end":742.3949,"sentiment":"positive","sentiment_score":0.6090920865535736}],"sentiment":"positive","sentiment_score":0.6799052655696869,"channel":1,"num_words":4,"start":740.8549,"end":742.3949},{"sentences":[{"text":"Thanks, Anna.","start":742.71,"end":743.51,"sentiment":"positive","sentiment_score":0.6516962349414825},{"text":"See you later.","start":743.51,"end":744.23,"sentiment":"positive","sentiment_score":0.542372872432073},{"text":"Bye.","start":744.23,"end":744.73,"sentiment":"neutral","sentiment_score":0.24191099405288696}],"sentiment":"positive","sentiment_score":0.5287370135386785,"channel":0,"num_words":6,"start":742.71,"end":744.73},{"sentences":[{"text":"Bye bye.","start":745.0949,"end":745.75494,"sentiment":"neutral","sentiment_score":0.020469404757022865}],"sentiment":"neutral","sentiment_score":0.020469404757022865,"channel":1,"num_words":2,"start":745.0949,"end":745.75494}]},"summary":{"result":"success","short":"During a call with Anna from OT Financial, Dana confirms her personal information and recommends retaining the MLC and moving all underperforming investments into the Australian 200. She reviews the portfolio and rebalances it to ensure it is still growing and building for her. The company's strategy for selling gold, silver, and Asia is discussed, along with diversifying the portfolio and protecting it in the current climate. The conversation ends with the speaker thanking the customer for their call and providing retirement projections and retirement advice documents."},"intents":{"segments":[{"text":"I would just give you a quick call to see if you had some time this afternoon just to run through your updated statement of advice. Yeah.","start_word":29,"end_word":55,"intents":[{"intent":"Update statement of advice","confidence_score":0.316188}]},{"text":"And as for the security, I'm discussing your personal information. So I just need to confirm your full name, your date of birth, and address I should have on Yep. It's Anna file.","start_word":118,"end_word":150,"intents":[{"intent":"Confirm information","confidence_score":0.11599607}]},{"text":"Thank you so much for that. I'll try to keep this nice and short and sweet, and I've sent the document here to review a bit after as well.","start_word":161,"end_word":189,"intents":[{"intent":"Review document","confidence_score":0.519353}]},{"text":"You had a retention to retain MLC for the insurances. So we were looking at whether we could get new cover for you. Unfortunately, because that breast cancer diagnosis is still kind of in twenty twenty twenty twenty one, new insurers won't sort of look at anything at the moment, so we are gonna have to retain the MLC for the time being to keep the cover. Yep.","start_word":206,"end_word":273,"intents":[{"intent":"Retain mlc and mlc","confidence_score":0.0005498546}]},{"text":"In saying that, when I had a bit of a look back at your goals there, you were wanting to essentially pay off all your debts with your life and TBD in the event that something happens to you.","start_word":274,"end_word":312,"intents":[{"intent":"Pay off debts","confidence_score":0.27824432}]},{"text":"So in the event of a life event, so you you to pass away, your life insurance does actually pay off your mortgage and, I believe, your car loan as well. So it covers all of your debts. And then the rest of the benefit plus your super can be paid out to your beneficiaries as additional buffer for them. Mhmm.","start_word":356,"end_word":416,"intents":[{"intent":"Pay off mortgage and car loan","confidence_score":0.034813136}]},{"text":"And then we can also claim incapacity against TBD as well to have your super both released to provide additional benefit for you as well. So, Okay.","start_word":450,"end_word":476,"intents":[{"intent":"Claim incapacity against tbd","confidence_score":0.47368014}]},{"text":"and retaining that life and TBD benefit does work better for you at the moment.","start_word":524,"end_word":538,"intents":[{"intent":"Retain tbd benefit","confidence_score":0.016799176}]},{"text":"So I am recommending we retain the MLC there. I am recommending that we do move all but 10,000 out.","start_word":679,"end_word":698,"intents":[{"intent":"Retain mlc","confidence_score":0.40907428},{"intent":"Keep hold of mlc","confidence_score":8.785933e-7}]},{"text":"The other thing you and I had a chat about was looking at your portfolio, how it was performing, getting rid of any underperforming investments, but you also wanted to have a bit of a look at whether there was any other commodities worth holding as well because your gold Yes. and silver had done really, really nicely. Yes.","start_word":732,"end_word":790,"intents":[{"intent":"Discuss portfolio performance","confidence_score":0.040159363},{"intent":"Review portfolio performance","confidence_score":0.030006474}]},{"text":"We are removing all of the Benelong Australian equities. That's been underperforming in your portfolio. As much as you've seen a great return this year, it has been underperforming. It is worth getting rid of that investment. Yep.","start_word":798,"end_word":835,"intents":[{"intent":"Identify asset weaknesses","confidence_score":0.000008723193}]},{"text":"When I looked at the difference between the portfolios for the year, we're actually saving $1,114 on investment Cool. fees.","start_word":884,"end_word":903,"intents":[{"intent":"Describe costs","confidence_score":0.0000010390452}]},{"text":"I'm just selling some of it to rebalance your portfolio to bring your risk level down because they're growth investments. And we're cementing some of the gains that they've seen and distributing those across other areas to make sure we keep rebalancing the portfolio, keep your risk level as low as possible, but also making sure that we're compounding those gains so they can keep growing and building for you. Does that make sense?","start_word":1054,"end_word":1127,"intents":[{"intent":"Discuss portfolio rebalancing","confidence_score":0.0026924633},{"intent":"Identify risks","confidence_score":0.0004416572},{"intent":"Discuss investments","confidence_score":0.066652074},{"intent":"Discuss investments","confidence_score":0.13198878}]},{"text":"The other thing is within Hub twenty four, they only allow you to hold about 40% of your total portfolio in alternatives, so, like, gold and silver. Yep.","start_word":1134,"end_word":1161,"intents":[{"intent":"Discuss potential impact of gold and silver on portfolio","confidence_score":0.00006240477}]},{"text":"It does mean that because they are the best performers in commodities, I haven't been able to add any other metals in there. But I've had a really good look, and because you do have the a 200, you've got some tech in there, and you've also got the S and P 500, You are also invested in other areas like mining and things like that.","start_word":1220,"end_word":1285,"intents":[{"intent":"Discuss industry experiences","confidence_score":0.000027508453}]},{"text":"Increasing your exposure into the S and P five hundred, which is giving you more indirect access to some of those other minerals and mining companies.","start_word":1408,"end_word":1433,"intents":[{"intent":"Increase exposure","confidence_score":0.32635197}]},{"text":"Increasing your exposure into the S and P five hundred, which is giving you more indirect access to some of those other minerals and mining companies. Yes.","start_word":1408,"end_word":1434,"intents":[{"intent":"Diversify portfolio","confidence_score":0.08671854},{"intent":"Diversify portfolio","confidence_score":0.31409287}]},{"text":"So I didn't wanna, you know, reduce the gold and silver holdings below that per point.","start_word":1573,"end_word":1588,"intents":[{"intent":"Reduce holdings","confidence_score":0.113195196}]},{"text":"sort of see putting this for you is keeping your direct exposure to those safer minerals, like the gold and silver that have shown you they're performing quite well.","start_word":1642,"end_word":1670,"intents":[{"intent":"Keep exposure to minerals","confidence_score":0.23671696}]},{"text":"you have any questions so far? Sorry.","start_word":1854,"end_word":1860,"intents":[{"intent":"Provide information","confidence_score":0.0051678484}]},{"text":"We're aiming for around 75,000 in retirement per year at the moment.","start_word":2073,"end_word":2084,"intents":[{"intent":"Optimize retirement income","confidence_score":0.0032337226}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Anna. It's Dana from OT Financial. How are you this afternoon? Not too bad.","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.1402731090784073},{"text":"Thank you.","start_word":16,"end_word":17,"sentiment":"positive","sentiment_score":0.4518049657344818},{"text":"How are you?","start_word":18,"end_word":20,"sentiment":"neutral","sentiment_score":0.31644338369369507},{"text":"I'm very well. Thank you. Thanks for asking.","start_word":21,"end_word":28,"sentiment":"positive","sentiment_score":0.5676394701004028},{"text":"I would just give you a quick call to see if you had some time this afternoon just to run through your updated statement of advice. Yeah. I've got about fifteen or so minutes now. Yeah. That's okay. Well, I can make a fit within that time. Not an Alright. issue at Awesome. all.","start_word":29,"end_word":82,"sentiment":"neutral","sentiment_score":0.13674306869506836},{"text":"Excellent.","start_word":83,"end_word":83,"sentiment":"positive","sentiment_score":0.4724782109260559},{"text":"Before I jump into the call, I will just let you know Perfect. we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Absolutely.","start_word":84,"end_word":116,"sentiment":"neutral","sentiment_score":0.15931867063045502},{"text":"Beautiful.","start_word":117,"end_word":117,"sentiment":"positive","sentiment_score":0.3858320116996765},{"text":"And as for the security, I'm discussing your personal information. So I just need to confirm your full name, your date of birth, and address I should have on Yep. It's Anna file. Deangelis. 167132 Heritage Drive, Mill Park, Victoria 3082. K.","start_word":118,"end_word":159,"sentiment":"neutral","sentiment_score":0.05859345197677612},{"text":"Beautiful. Thank you so much for that. I'll try to keep this nice and short and sweet, and I've sent the document here to review a bit after as well.","start_word":160,"end_word":189,"sentiment":"positive","sentiment_score":0.38108083605766296},{"text":"Yep. But when you and I spoke last time, we looked at this updating the advice. You had a retention to retain MLC for the insurances. So we were looking at whether we could get new cover for you. Unfortunately, because that breast cancer diagnosis is still kind of in twenty twenty twenty twenty one, new insurers won't sort of look at anything at the moment, so we are gonna have to retain the MLC for the time being to keep the cover. Yep. In saying that, when I had a bit of a look back at your goals there, you were wanting to essentially pay off all your debts with your life and TBD in the event that something happens to you. So with your MLC cover, you're covered for about $117,002.28 at the moment, but then you've also got a really good super balance of $428,004.04 3 and another 19 odd thousand in MLC as well. So in the Okay. event of a yeah. So in the event of a life event, so you you to pass away, your life insurance does actually pay off your mortgage and, I believe, your car loan as well. So it covers all of your debts. And then the rest of the benefit plus your super can be paid out to your beneficiaries as additional buffer for them. Mhmm. And with the TBD, the same thing. So if anything was to happen with TBD, the amount of cover you have does pay out all of your debts to leave you debt free. And then we can also claim incapacity against TBD as well to have your super both released to provide additional benefit for you as well. So, Okay. Bill, yeah, so, realistically, whilst we're unable to look at getting new cover now, it does also mean that with the benefit you have, you're not paying great deal for it. It's a bit over a thousand dollars for the year for the cover you have, Yep. and retaining that life and TBD benefit does work better for you at the moment. So I am retaining that one. It doesn't mean we are retaining the income protection. It is a little bit under you are slightly underinsured with regards to income protection only just slightly with given your income. But because of we're not sort of six to seven years out from that cancer diagnosis with your breast cancer. So Yep. because of that, we're not able to get new cover as of yet. So it did Oh, mean okay. retaining Yep. it. But I did go back and have a really good look, and I asked the insurers what they were willing to come back with.","start_word":190,"end_word":643,"sentiment":"neutral","sentiment_score":-0.02313483380281781},{"text":"And, unfortunately, it was a tough one.","start_word":644,"end_word":650,"sentiment":"negative","sentiment_score":-0.3452177941799164},{"text":"Yep. But we'll make sure that you are still you know, you are covered, which is really important. Okay? Okay. No. That's cool.","start_word":651,"end_word":673,"sentiment":"neutral","sentiment_score":0.061954040080308914},{"text":"Thank you.","start_word":674,"end_word":675,"sentiment":"positive","sentiment_score":0.3801892697811126},{"text":"Yeah. That's okay. So I am recommending we retain the MLC there. I am recommending that we do move all but 10,000 out. So we do wanna do a regular yearly rollover and and everything over that $10,000. So it does mean at Yes. the moment, it's about a $9,000 rollover into hub twenty four there. The other thing you and I had a chat about was looking at your portfolio, how it was performing, getting rid of any underperforming investments, but you also wanted to have a bit of a look at whether there was any other commodities worth holding as well because your gold Yes.","start_word":676,"end_word":782,"sentiment":"neutral","sentiment_score":0.04638503951447032},{"text":"and silver had done really, really nicely.","start_word":783,"end_word":789,"sentiment":"positive","sentiment_score":0.39607492089271545},{"text":"Yes. With that, I've reviewed that for you. We are removing all of the Benelong Australian equities.","start_word":790,"end_word":806,"sentiment":"neutral","sentiment_score":-0.08421988040208817},{"text":"That's been underperforming in your portfolio.","start_word":807,"end_word":812,"sentiment":"negative","sentiment_score":-0.38258618116378784},{"text":"As much as you've seen a great return this year, it has been underperforming. It is worth getting rid of that investment. Yep. And instead of having the the Benelong in there, we're gonna move the funds into the Australian 200, which is a cheaper investment, and it's actually proven great greater performance over the past.","start_word":813,"end_word":868,"sentiment":"neutral","sentiment_score":0.040457919239997864},{"text":"So the newer Okay. portfolio provides a greater track record for you. It's also cheaper.","start_word":869,"end_word":883,"sentiment":"positive","sentiment_score":0.42788028717041016},{"text":"When I looked at the difference between the portfolios for the year, we're actually saving $1,114 on investment Cool. fees. So Oh, wow. this, Okay. Yeah. yeah, Absolutely.","start_word":884,"end_word":911,"sentiment":"neutral","sentiment_score":0.17546086013317108},{"text":"so this newer portfolio has been performing a little bit better, but also making sure we're saving on investment fees for keeping more money invested for you, which is a positive.","start_word":912,"end_word":942,"sentiment":"positive","sentiment_score":0.3966272473335266},{"text":"Yep.","start_word":943,"end_word":943,"sentiment":"neutral","sentiment_score":0.28456202149391174},{"text":"Perfect.","start_word":944,"end_word":944,"sentiment":"positive","sentiment_score":0.45809948444366455},{"text":"Now the other thing I did look at was I know your gold and silver has been performing beautifully. I'm not getting rid of any of that. I'm keeping it, but I am rebalancing it because at the moment, you're in a growth meant to be in more of a growth environment, which is Yep. a eighty twenty split. When I look at your risk profile, the way you're invested at the moment is you're actually 98% invested in growth assets. So you are taking a lot more risk than what you're comfortable with at the moment. So I'm Okay. keeping the keeping the gold and silver in there. I'm just selling some of it to rebalance your portfolio to bring your risk level down because they're growth investments.","start_word":945,"end_word":1073,"sentiment":"neutral","sentiment_score":0.054897336689971904},{"text":"And we're cementing some of the gains that they've seen and distributing those across other areas to make sure we keep rebalancing the portfolio, keep your risk level as low as possible, but also making sure that we're compounding those gains so they can keep growing and building for you.","start_word":1074,"end_word":1123,"sentiment":"positive","sentiment_score":0.4400560259819031},{"text":"Does that make sense? Okay. Yes. Yep. Yep.","start_word":1124,"end_word":1131,"sentiment":"neutral","sentiment_score":0.1969519704580307},{"text":"Yep. Beautiful.","start_word":1132,"end_word":1133,"sentiment":"positive","sentiment_score":0.48382216691970825},{"text":"The other thing is within Hub twenty four, they only allow you to hold about 40% of your total portfolio in alternatives, so, like, gold and silver. Yep. So you were actually about 53% when I had a look last time. So we're gonna rebalance that before they tell us we have to, and it brings you back down just under that 40%. So we're keeping you at 39% invested there just under the limit that Hub allow us. Yep. So keeping those, Alright, sir. Yeah. It does mean that because they are the best performers in commodities, I haven't been able to add any other metals in there.","start_word":1134,"end_word":1242,"sentiment":"neutral","sentiment_score":0.1803785115480423},{"text":"But I've had a really good look, and because you do have the a 200, you've got some tech in there, and you've also got the S and P 500, You are also invested in other areas like mining and things like that.","start_word":1243,"end_word":1285,"sentiment":"positive","sentiment_score":0.36453133821487427},{"text":"So you would do have other indirect Okay. exposure into other minerals as well to give you a bit of clarity. Okay? Yep. Yep. Yeah.","start_word":1286,"end_word":1310,"sentiment":"neutral","sentiment_score":0.10481449961662292},{"text":"Good. All So good. what you're taking Yes.","start_word":1311,"end_word":1318,"sentiment":"positive","sentiment_score":0.4806552231311798},{"text":"from the gold and silver, will that go into the new one? Yes. It will. Yeah. So, essentially, what we'll be doing is just selling all of the banner along a little bit of the gold, a little bit of the silver, and some of the Asia, and then we're moving all that the money that we're selling into our cybersecurity to bring you up a little bit there, giving you some more exposure into the Europe because Europe is still a growing area and it's diversifying your portfolio. Increasing your exposure into the S and P five hundred, which is giving you more indirect access to some of those other minerals and mining companies. Yes.","start_word":1319,"end_word":1434,"sentiment":"neutral","sentiment_score":0.28191480657150003},{"text":"Buying into the Australian 200 to give you exposure into the top 200 companies on the ASX. We're also increasing and giving defensive investment. So looking at I the iShield yield yield plus, which is high interest income producing, so we're thinking things like fixed interest and bonds to give you some diversification.","start_word":1435,"end_word":1487,"sentiment":"positive","sentiment_score":0.3563285171985626},{"text":"But because at the moment, you have a lot of growth assets that diversification. But because at the moment, you have a lot of growth assets and next to no defensive assets, we gotta have some of those low risk defensive assets in there for you. Yep. And then with the Morningstar global tech sector, which again is giving you some more, you know, underlying indirect exposure to the tech as well as the mining sector, we're gonna go from three to 5% in there. So I didn't wanna, you know, reduce the gold and silver holdings below that per point. Because when I look at minerals as a whole, gold has has been the best performer. Silver has also been a really good performer. The other minerals out there, like platinum and copper and things, they do perform quite well, but they are also very volatile, very risky. So the way I Yes. sort of see putting this for you is keeping your direct exposure to those safer minerals, like the gold and silver that have shown you they're performing quite well.","start_word":1488,"end_word":1670,"sentiment":"neutral","sentiment_score":0.08658026903867722},{"text":"And then everything else that is seen is a little bit more risky and is more volatile than we have indirect exposure that way.","start_word":1671,"end_word":1694,"sentiment":"negative","sentiment_score":-0.401211142539978},{"text":"So we're also diversifying and protecting your portfolio a little bit if that makes sense. First.","start_word":1695,"end_word":1710,"sentiment":"neutral","sentiment_score":0.28187689185142517},{"text":"Perfect.","start_word":1711,"end_word":1711,"sentiment":"positive","sentiment_score":0.5577213764190674},{"text":"Yep. No. Makes Yeah. sense.","start_word":1712,"end_word":1716,"sentiment":"neutral","sentiment_score":0.10553096234798431},{"text":"Oh, good. And, look, as a whole, it's actually also saving you in investment fees. As I said, we'll save $1,114 for the year in investment fees. That's a huge saving. Yep.","start_word":1717,"end_word":1748,"sentiment":"positive","sentiment_score":0.577732503414154},{"text":"There are CGT consequences for doing the switch of the investments there.","start_word":1749,"end_word":1760,"sentiment":"neutral","sentiment_score":0.2011958509683609},{"text":"Your super fund will account for that. It's about 2,177, but I figured with everything you've seen and with the gains that you had out of your portfolio and your balance, that CGT is very minimal, which is fantastic. And then we're saving fees in other areas for you, which is a positive, and lowering your overall risk, which is a really good thing in the current climate with the current market conditions that we have as well.","start_word":1761,"end_word":1838,"sentiment":"positive","sentiment_score":0.558565080165863},{"text":"So, Yes. yeah, No. Thank you. Makes sense. does that make sense? Yeah. Do Yep. you have any questions so far? Sorry. I've tried to keep it as brief as possible for you. Well, no. No. Yeah. It's all being clear. Yeah.","start_word":1839,"end_word":1880,"sentiment":"neutral","sentiment_score":0.01448932196944952},{"text":"You you explained Oh, it so fantastic. I can understand it, which is good.","start_word":1881,"end_word":1894,"sentiment":"positive","sentiment_score":0.4107266962528229},{"text":"Oh, good. Good. Well, look, I've sent you the documents, so run your eyes over it. I've outlined step by I've step signed the set it. essentially oh, you have.","start_word":1895,"end_word":1924,"sentiment":"neutral","sentiment_score":0.21474389731884003},{"text":"You're a gem.","start_word":1925,"end_word":1927,"sentiment":"positive","sentiment_score":0.5298495292663574},{"text":"Do you want me to resend you a copy of it to your email to sort of have a bit of a look at after? Or Yeah. Alright. Because I just yeah. sign it when it come from you guys. I don't I just Oh, trust you. oh, thank you. Well, I promise I will never do anything that doesn't that does isn't there to work in your best interest. And that's the other thing is in these advice documents, I do have a best interest duty statement which outlines why I'm making the recommendations and how it aligns to your goals there. And I've Yes. actually sort of had a look at the retirement projections for you.","start_word":1928,"end_word":2045,"sentiment":"neutral","sentiment_score":0.06076561305987633},{"text":"So by by retaining, by making this switch and seeing things projected forward, you're actually staying pretty well on track to get a really good retirement income. We're aiming for around 75,000 in retirement per year at the moment.","start_word":2046,"end_word":2084,"sentiment":"positive","sentiment_score":0.44448623061180115},{"text":"And with what Yep.","start_word":2085,"end_word":2088,"sentiment":"neutral","sentiment_score":0.30886274576187134},{"text":"we're projected forward, it looks like we're actually aiming for that.","start_word":2089,"end_word":2099,"sentiment":"positive","sentiment_score":0.3648368716239929},{"text":"I've also had a look at your age pension eligibility.","start_word":2100,"end_word":2109,"sentiment":"neutral","sentiment_score":0.2686394155025482},{"text":"You'll be eligible for some age pension as well to supplement some of that income, which is fantastic. But retirement projection wise, you're pretty well on track for a good retirement of that 75,000 per year plus some age pension to supplement there, and your super looks ready to sort of hold on.","start_word":2110,"end_word":2162,"sentiment":"positive","sentiment_score":0.44341880083084106},{"text":"We should be able to keep it going to about age 90 at this point.","start_word":2163,"end_word":2177,"sentiment":"neutral","sentiment_score":0.31174957752227783},{"text":"So Oh, we wanna keep building and growing wow. on that, but thus far with the retirement projections, we're doing really well so far.","start_word":2178,"end_word":2201,"sentiment":"positive","sentiment_score":0.4550937116146088},{"text":"So Yep.","start_word":2202,"end_word":2203,"sentiment":"neutral","sentiment_score":0.29549741744995117},{"text":"yeah. Awesome.","start_word":2204,"end_word":2205,"sentiment":"positive","sentiment_score":0.4315694272518158},{"text":"Yeah. No. Thank you so Oh, much.","start_word":2206,"end_word":2212,"sentiment":"neutral","sentiment_score":0.2339254766702652},{"text":"good. That's okay.","start_word":2213,"end_word":2215,"sentiment":"positive","sentiment_score":0.39460238814353943},{"text":"I will shoot a copy of that document to you as well just so you have it in your emails.","start_word":2216,"end_word":2235,"sentiment":"neutral","sentiment_score":0.29675814509391785},{"text":"You're welcome to read it through and let me know if you do happen to have any questions.","start_word":2236,"end_word":2253,"sentiment":"positive","sentiment_score":0.33942005038261414},{"text":"Yep.","start_word":2254,"end_word":2254,"sentiment":"neutral","sentiment_score":0.20842131972312927},{"text":"And, yeah, I will thank you so much for taking my call.","start_word":2255,"end_word":2266,"sentiment":"positive","sentiment_score":0.5115229487419128},{"text":"I'm so sorry. No. Thank you for calling. Yeah. I just That's had okay. it shipped yesterday, and I couldn't get the call. Oh, it's honestly absolutely fine. That's why we sent that message through. And I sort of checked my emails late last night, and I saw the message come back. I thought, oh, good. I'll give you an off the cuff call this afternoon, see how you're going, see if you got a few minutes for me, and we'll get this sorted for you nice and quickly.","start_word":2267,"end_word":2355,"sentiment":"neutral","sentiment_score":0.10957717058363924},{"text":"So Awesome. yeah.","start_word":2356,"end_word":2358,"sentiment":"positive","sentiment_score":0.5806240439414978},{"text":"No.","start_word":2359,"end_word":2359,"sentiment":"neutral","sentiment_score":0.1519242227077484},{"text":"Thanks a lot for that. Oh, not a problem, Anna. I'll let you go to have a good afternoon. I'll get that email through as soon as you find you have any questions later on, let me know.","start_word":2360,"end_word":2397,"sentiment":"positive","sentiment_score":0.4512756168842316},{"text":"Okay?","start_word":2398,"end_word":2398,"sentiment":"neutral","sentiment_score":0.2315664440393448},{"text":"Cool. Thank you so much. You have a great That's day. okay. You too. Thank you so much. Enjoy your weekend. Thank you. Take care. Thanks, Anna. See you later.","start_word":2399,"end_word":2428,"sentiment":"positive","sentiment_score":0.6752082109451294},{"text":"Bye. Bye bye.","start_word":2429,"end_word":2431,"sentiment":"neutral","sentiment_score":0.21644099056720736}],"average":{"sentiment":"neutral","sentiment_score":0.1727114166047003}}}}