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I just had you booked in to go over the strategy recommendations quickly with you after our last conversation. Is now still a good time? Yeah. Alright. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Let me see. I do have one of those headsets that the mic is right next to my mouth, but I'll see if I can turn it up a little bit. Is that any better? Yep. Okay. Perfect. And as well, Thomas, just need to confirm that I'm speaking with the right person. So just your full name, date of birth, and address, please. Yep. Just full name as well. Yep. Great. Perfect. Now I have to send you an email with the documents. Do you have access to your emails at the moment? Oh, sweet. Now if you can open that, can you see the actual statement of advice? Like, if you click on the link? Yep. Great. Now it is pretty straightforward today. We've kind of touched on a lot of it last time, so I'll try to keep it as quickly as I can for you. Now every time we do make a recommendation on the financial products and make personalized financial advice, we have to put everything in this statement of advice for you just to make sure you are, you know, across everything and it all makes sense. A lot of it, like I said, is just for compliance purposes just to make sure you understand it. So I'll kinda keep it as brief as I can for you. Otherwise, you will see on the cover page that it is prepared just for yourself. You will have my details listed on the cover page as well. So you'll see my authorized representative number there, and then I am licensed under Oakview Financial. Yep. Now on the second page, you will see best interest duty outlined. Just making sure that we always take your best interest at heart when we are making any recommendations at all, and the advice itself has to put you in a better position as a result of the advice. Otherwise, we cannot actually make the recommendation. Does that make sense? Yep. Perfect. Now as you scroll through to page three, you will see scope of the device outlined. Pretty straightforward today. The only things we are looking at is your superannuation to make sure we can maximize that growth for you, swap out in the underperforming investment. Have a look at that SMA as well, and then just update your beneficiaries essentially. That is literally all we're doing today. It's pretty straightforward. You kind of remember all that? Yeah. Yep. Great. Perfect. Now if you then wanna scroll down to page seven and eight, just a little bit of information about you. If you could just have a quick read over that for me just to make sure that's all up to date or if I need to make any changes. Looks good. Great. Perfect. Let me Yes. Yes. Perfect. Yeah. I Yes. I have that through. It was, like, one day you set up, you know, years and years ago, and then it just got out of hand, and then you got a little bit more professional. Yeah. Yes. No. Perfect. I will update that. And we do have, obviously, that as your main one, but I'll also update that too. Just get rid of that one. Just to make sure, otherwise, on page nine, you will see, obviously, you'll have 24 outlined there, your current super balance, also your insurances. Now we're not making any changes to your child insurances. You're quite happy with them. They are quite affordable, so we're not making any changes there. Yep. Perfect. Next is just a little bit about your risk profile. So, again, we are not making any changes to your risk profile. We are keeping you in the high growth portfolio. You were quite comfortable with that. You have plenty of time until retirement, and the focus is you're trying to maximize that growth as much as possible. Yep. Perfect. Now that then takes us through actually, if you wanna scroll down to page 19 for me, it's sometimes a little bit easier because it'll actually show you a a projection table. It shows you all the numbers and stuff because sometimes it's a bit easier to see it that way. Can you see that okay? Yep. Perfect. So I did do research on the SMA and then also other portfolios to see if the SMA was going to be appropriate for you, put you in a better position, or if other options were better. And having a look at everything for you at the moment, the SMA was definitely going to be more competitive. So I have recommended that we switch you to the SMA, and that is still within Hub 24. It is on a different product offering, so it would just be a menu switch. Essentially, for you, it doesn't change anything aside from the fact that you are not paying as much in administration fee because it's it is on a slightly cheaper product offering. The the reason why we didn't recommend that in the first place was because the way that your portfolio was constructed, the more expensive product offering gives you access to more investment. But the good thing on the the cheaper product is that the SMA is available on there. So, therefore, we can switch you now to the cheaper product, and it saves you about a $180 in admin fees, which is great per year. Yep. Perfect. Now you can also see the investment fee changes. So, again, by switching it through the SMA, still within your high growth portfolio, you can see that the investment fees are of also reduced. So, again, saving about 379 per year in just investment fees alone. Yep. Perfect. Otherwise, there's no changes to the contributions or insurances and anything like that. I do want to point out that if you notice at the top versus the balance difference of 172, that is the capital gains tax that would come out from your super by making the changes. So we're trying to obviously limit that as much as possible by having as much crossover with the investments to limit it. And it's only about that 172, which obviously will you save in just the admin theme alone. But I do wanna let you know in case you see that. Exact exactly. Now at the bottom there, you'll also see the five year rolling average. But you'll see they're both high growth portfolios, so there is a difference as well in their portfolio return. Now this is using the five year historical rolling average as well. And even by doing the switch as well, you can see that the performance has outperformed by about seven point sorry, by 4.07, which, again, that coupled with the reduced fees will obviously put you in a better position. And the really good thing with the SMA, which we touched on last time, is that it gives us that flexibility of being able to react very quickly if we foresee there's any market changes to then make sure that your investments don't drop or that you don't lose anything, that we can quickly make those changes very quickly in the back end. Yeah. Perfect. Now on the next page, which is page 20, you can then see this kind of forecasted five and ten years for you, factoring in, obviously, the fees and the returns and everything like that. And at the bottom there, you will then see a bit more on the return, so including a twelve month, three years, and five years, and you can kind of see again throughout the last twelve, three, and five years, again, the estimate has outperformed your current situation. Yep. Perfect. Now if you then wanna scroll up for me to page 17, it will just show you the change in the investments. If you can see that. Yep. Now like I said as well, because you're invested in the SMA, at the moment here, you will just see that 50% in the catalyst estimate, 50% in the bloom. The reason for the split is to put you in that high growth portfolio, which is on the next page, page 18. You can then see the asset allocation outlined. So you can see your growth, your existing, and the proposed. But we wanna keep you as close to that ninety ten as we can. So doing a fifty fifty into the SMA will give you really close to that. Yeah. Perfect. Now when we do you know, if you're happy to go ahead and make the change when you when we do make the change when you actually log in to your Hub 24, you will see, you know, the catalyst SMA in the blue mist. Maybe you can actually click on them, and then you can see all the underlying investments as well. So you still have that kind of oversight of, you know, what's actually in it. And if we do make any changes, we will let you know. So, again, you have that transparency. Yep. Perfect. Now I won't go through it, but a little bit further after we scrolled through, it just puts everything into kind of words and black and white for you is most of what we've already gone through. But it shows you kind of the advantages and disadvantages and the risk in regards to the recommendation. So a biggest thing is obviously, the fee saving, the flexibility of the investment changes and everything like that. One of the disadvantages that CGT, I mentioned, and the risk is that there's always a level of risk associated with any investment option. But the good thing with that estimate is that it gives us that flexibility of reacting quickly if we need to do so. Yep. Perfect. Now, basically, at the end here, sorry, the last couple of things is just showing you the beneficiary update. Pretty straightforward. We spoke about that last time as well. It's just to update that and change it to yourself, and that would obviously be a 100% tax free through her. Yep. Now the last thing I do want to mention is page 25, which is just a remuneration. So is it if it is that you are happy to go ahead with this change, there is no additional fees or charges whatsoever. It is all part of the ongoing advice fee, which is that 1.65% from super. That is not changing whatsoever. Yep. And then underneath that, you will just see your tal insurance outline. Again, though, it is tal paying us for those insurances. It is not you. But for compliance purposes, we have to disclose everything so you are fully aware, and that's just 22% of the premium. Again, it's help paying up, though. Yep. Any questions with any of that? Not. Yeah. Perfect. So, essentially, from here, Thomas, if you would like to go ahead and make the change, what I'll need you to do is just to sign that document. That will then come through to me, and I will let the team know, and we can go ahead and make this change for you. Perfect. And while you are doing it, I do wanna let you know as well that in that email, before you click on the link, so if you do wanna go back later, you will see a couple of attachments. They are all just the supporting documents. So about your HUB 24, there's a product disclosure statement about the SMA. Again, if you wanna have a bit of a read over it, all the supporting document is just there for you as well. And on the SMS you are signing, you will also see the ongoing service agreement, which is, again, just to obviously say that you're happy to stay on board as a client. But as you would know, you know, it's not a locking contract at all. So if at any point in time you are not happy, there is no locking contract. Yep. Perfect. And let me know if that came through okay, and I can try to update it and see if that'll come through. Sometimes it is a little bit slow, and then I can let the team know that we can go ahead and make this change for you. Great. Perfect. Now do you have any other questions for me, Thomas, before I let you go otherwise? No. Yep. Perfect. Well, I hope you enjoy the rest of your day, and I look forward to speaking with you soon again. No worries. Thanks, Thomas. 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morning. Is this Thomas? This is Veronica from Oakview Financial. How are you? Yeah.\n\nI'm good. Thanks. I just had you booked in to go over the strategy recommendations quickly with you after our last conversation. Is now still a good time? Yeah.\n\nAlright. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Let me see. I do have one of those headsets that the mic is right next to my mouth, but I'll see if I can turn it up a little bit.\n\nIs that any better? Yep. Okay. Perfect. And as well, Thomas, just need to confirm that I'm speaking with the right person.\n\nSo just your full name, date of birth, and address, please. Yep. Just full name as well. Yep. Great.\n\nPerfect. Now I have to send you an email with the documents. Do you have access to your emails at the moment? Oh, sweet. Now if you can open that, can you see the actual statement of advice?\n\nLike, if you click on the link? Yep. Great. Now it is pretty straightforward today. We've kind of touched on a lot of it last time, so I'll try to keep it as quickly as I can for you.\n\nNow every time we do make a recommendation on the financial products and make personalized financial advice, we have to put everything in this statement of advice for you just to make sure you are, you know, across everything and it all makes sense. A lot of it, like I said, is just for compliance purposes just to make sure you understand it. So I'll kinda keep it as brief as I can for you. Otherwise, you will see on the cover page that it is prepared just for yourself. You will have my details listed on the cover page as well.\n\nSo you'll see my authorized representative number there, and then I am licensed under Oakview Financial. Yep. Now on the second page, you will see best interest duty outlined. Just making sure that we always take your best interest at heart when we are making any recommendations at all, and the advice itself has to put you in a better position as a result of the advice. Otherwise, we cannot actually make the recommendation.\n\nDoes that make sense? Yep. Perfect. Now as you scroll through to page three, you will see scope of the device outlined. Pretty straightforward today.\n\nThe only things we are looking at is your superannuation to make sure we can maximize that growth for you, swap out in the underperforming investment. Have a look at that SMA as well, and then just update your beneficiaries essentially. That is literally all we're doing today. It's pretty straightforward. You kind of remember all that?\n\nYeah. Yep. Great. Perfect. Now if you then wanna scroll down to page seven and eight, just a little bit of information about you.\n\nIf you could just have a quick read over that for me just to make sure that's all up to date or if I need to make any changes. Looks good. Great. Perfect. Let me Yes.\n\nYes. Perfect. Yeah. I Yes. I have that through.\n\nIt was, like, one day you set up, you know, years and years ago, and then it just got out of hand, and then you got a little bit more professional. Yeah. Yes. No. Perfect.\n\nI will update that. And we do have, obviously, that as your main one, but I'll also update that too. Just get rid of that one. Just to make sure, otherwise, on page nine, you will see, obviously, you'll have 24 outlined there, your current super balance, also your insurances. Now we're not making any changes to your child insurances.\n\nYou're quite happy with them. They are quite affordable, so we're not making any changes there. Yep. Perfect. Next is just a little bit about your risk profile.\n\nSo, again, we are not making any changes to your risk profile. We are keeping you in the high growth portfolio. You were quite comfortable with that. You have plenty of time until retirement, and the focus is you're trying to maximize that growth as much as possible. Yep.\n\nPerfect. Now that then takes us through actually, if you wanna scroll down to page 19 for me, it's sometimes a little bit easier because it'll actually show you a a projection table. It shows you all the numbers and stuff because sometimes it's a bit easier to see it that way. Can you see that okay? Yep.\n\nPerfect. So I did do research on the SMA and then also other portfolios to see if the SMA was going to be appropriate for you, put you in a better position, or if other options were better. And having a look at everything for you at the moment, the SMA was definitely going to be more competitive. So I have recommended that we switch you to the SMA, and that is still within Hub 24. It is on a different product offering, so it would just be a menu switch.\n\nEssentially, for you, it doesn't change anything aside from the fact that you are not paying as much in administration fee because it's it is on a slightly cheaper product offering. The the reason why we didn't recommend that in the first place was because the way that your portfolio was constructed, the more expensive product offering gives you access to more investment. But the good thing on the the cheaper product is that the SMA is available on there. So, therefore, we can switch you now to the cheaper product, and it saves you about a $180 in admin fees, which is great per year. Yep.\n\nPerfect. Now you can also see the investment fee changes. So, again, by switching it through the SMA, still within your high growth portfolio, you can see that the investment fees are of also reduced. So, again, saving about 379 per year in just investment fees alone. Yep.\n\nPerfect. Otherwise, there's no changes to the contributions or insurances and anything like that. I do want to point out that if you notice at the top versus the balance difference of 172, that is the capital gains tax that would come out from your super by making the changes. So we're trying to obviously limit that as much as possible by having as much crossover with the investments to limit it. And it's only about that 172, which obviously will you save in just the admin theme alone.\n\nBut I do wanna let you know in case you see that. Exact exactly. Now at the bottom there, you'll also see the five year rolling average. But you'll see they're both high growth portfolios, so there is a difference as well in their portfolio return. Now this is using the five year historical rolling average as well.\n\nAnd even by doing the switch as well, you can see that the performance has outperformed by about seven point sorry, by 4.07, which, again, that coupled with the reduced fees will obviously put you in a better position. And the really good thing with the SMA, which we touched on last time, is that it gives us that flexibility of being able to react very quickly if we foresee there's any market changes to then make sure that your investments don't drop or that you don't lose anything, that we can quickly make those changes very quickly in the back end. Yeah. Perfect. Now on the next page, which is page 20, you can then see this kind of forecasted five and ten years for you, factoring in, obviously, the fees and the returns and everything like that.\n\nAnd at the bottom there, you will then see a bit more on the return, so including a twelve month, three years, and five years, and you can kind of see again throughout the last twelve, three, and five years, again, the estimate has outperformed your current situation. Yep. Perfect. Now if you then wanna scroll up for me to page 17, it will just show you the change in the investments. If you can see that.\n\nYep. Now like I said as well, because you're invested in the SMA, at the moment here, you will just see that 50% in the catalyst estimate, 50% in the bloom. The reason for the split is to put you in that high growth portfolio, which is on the next page, page 18. You can then see the asset allocation outlined. So you can see your growth, your existing, and the proposed.\n\nBut we wanna keep you as close to that ninety ten as we can. So doing a fifty fifty into the SMA will give you really close to that. Yeah. Perfect. Now when we do you know, if you're happy to go ahead and make the change when you when we do make the change when you actually log in to your Hub 24, you will see, you know, the catalyst SMA in the blue mist.\n\nMaybe you can actually click on them, and then you can see all the underlying investments as well. So you still have that kind of oversight of, you know, what's actually in it. And if we do make any changes, we will let you know. So, again, you have that transparency. Yep.\n\nPerfect. Now I won't go through it, but a little bit further after we scrolled through, it just puts everything into kind of words and black and white for you is most of what we've already gone through. But it shows you kind of the advantages and disadvantages and the risk in regards to the recommendation. So a biggest thing is obviously, the fee saving, the flexibility of the investment changes and everything like that. One of the disadvantages that CGT, I mentioned, and the risk is that there's always a level of risk associated with any investment option.\n\nBut the good thing with that estimate is that it gives us that flexibility of reacting quickly if we need to do so. Yep. Perfect. Now, basically, at the end here, sorry, the last couple of things is just showing you the beneficiary update. Pretty straightforward.\n\nWe spoke about that last time as well. It's just to update that and change it to yourself, and that would obviously be a 100% tax free through her. Yep. Now the last thing I do want to mention is page 25, which is just a remuneration. So is it if it is that you are happy to go ahead with this change, there is no additional fees or charges whatsoever.\n\nIt is all part of the ongoing advice fee, which is that 1.65% from super. That is not changing whatsoever. Yep. And then underneath that, you will just see your tal insurance outline. Again, though, it is tal paying us for those insurances.\n\nIt is not you. But for compliance purposes, we have to disclose everything so you are fully aware, and that's just 22% of the premium. Again, it's help paying up, though. Yep. Any questions with any of that?\n\nNot. Yeah. Perfect. So, essentially, from here, Thomas, if you would like to go ahead and make the change, what I'll need you to do is just to sign that document. That will then come through to me, and I will let the team know, and we can go ahead and make this change for you.\n\nPerfect. And while you are doing it, I do wanna let you know as well that in that email, before you click on the link, so if you do wanna go back later, you will see a couple of attachments. They are all just the supporting documents. So about your HUB 24, there's a product disclosure statement about the SMA. Again, if you wanna have a bit of a read over it, all the supporting document is just there for you as well.\n\nAnd on the SMS you are signing, you will also see the ongoing service agreement, which is, again, just to obviously say that you're happy to stay on board as a client. But as you would know, you know, it's not a locking contract at all. So if at any point in time you are not happy, there is no locking contract. Yep. Perfect.\n\nAnd let me know if that came through okay, and I can try to update it and see if that'll come through. Sometimes it is a little bit slow, and then I can let the team know that we can go ahead and make this change for you. Great. Perfect. Now do you have any other questions for me, Thomas, before I let you go otherwise?\n\nNo. Yep. Perfect. Well, I hope you enjoy the rest of your day, and I look forward to speaking with you soon again. No worries.\n\nThanks, Thomas. Bye.","paragraphs":[{"sentences":[{"text":"Good morning.","start":1.5999999,"end":2.08,"sentiment":"neutral","sentiment_score":0.27572648227214813},{"text":"Is this Thomas?","start":2.08,"end":2.98,"sentiment":"neutral","sentiment_score":0.07023429125547409},{"text":"This is Veronica from Oakview Financial.","start":4.72,"end":6.8999996,"sentiment":"neutral","sentiment_score":0.19606253753105798},{"text":"How are you?","start":7.04,"end":7.8599997,"sentiment":"neutral","sentiment_score":0.1929039110740026},{"text":"Yeah.","start":9.5199995,"end":9.76,"sentiment":"positive","sentiment_score":0.3591157793998718}],"sentiment":"neutral","sentiment_score":0.19175723840792974,"num_words":15,"start":1.5999999,"end":9.76},{"sentences":[{"text":"I'm good.","start":9.76,"end":10.48,"sentiment":"positive","sentiment_score":0.516072228550911},{"text":"Thanks.","start":10.48,"end":10.98,"sentiment":"positive","sentiment_score":0.6727689504623413},{"text":"I just had you booked in to go over the strategy recommendations quickly with you after our last conversation.","start":12.0,"end":18.715,"sentiment":"positive","sentiment_score":0.3700004384705895},{"text":"Is now still a good time?","start":18.935001,"end":20.315,"sentiment":"neutral","sentiment_score":0.22906534373760223},{"text":"Yeah.","start":21.335,"end":21.835,"sentiment":"neutral","sentiment_score":0.13012415170669556}],"sentiment":"positive","sentiment_score":0.35308406733233355,"num_words":29,"start":9.76,"end":21.835},{"sentences":[{"text":"Alright.","start":21.895,"end":22.395,"sentiment":"neutral","sentiment_score":0.23906460404396057},{"text":"Perfect.","start":22.455,"end":22.955,"sentiment":"positive","sentiment_score":0.38128483295440674},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":23.335,"end":30.315,"sentiment":"neutral","sentiment_score":0.03643166582132208},{"text":"Let me see.","start":35.54,"end":36.18,"sentiment":"neutral","sentiment_score":-0.022145061443249386},{"text":"I do have one of those headsets that the mic is right next to my mouth, but I'll see if I can turn it up a little bit.","start":36.18,"end":42.52,"sentiment":"neutral","sentiment_score":0.005584203238998141}],"sentiment":"neutral","sentiment_score":0.02849661697062754,"num_words":62,"start":21.895,"end":42.52},{"sentences":[{"text":"Is that any better?","start":46.184998,"end":47.324997,"sentiment":"neutral","sentiment_score":0.007128516677767038},{"text":"Yep.","start":48.824997,"end":49.225,"sentiment":"neutral","sentiment_score":0.06839333474636078},{"text":"Okay.","start":49.225,"end":49.725,"sentiment":"neutral","sentiment_score":0.1076643317937851},{"text":"Perfect.","start":49.785,"end":50.285,"sentiment":"neutral","sentiment_score":0.18578186631202695},{"text":"And as well, Thomas, just need to confirm that I'm speaking with the right person.","start":52.585,"end":58.77,"sentiment":"neutral","sentiment_score":0.09349291001756986}],"sentiment":"neutral","sentiment_score":0.08148851135576313,"num_words":22,"start":46.184998,"end":58.77},{"sentences":[{"text":"So just your full name, date of birth, and address, please.","start":58.83,"end":61.57,"sentiment":"neutral","sentiment_score":0.060328278013251045},{"text":"Yep.","start":66.51,"end":67.01,"sentiment":"neutral","sentiment_score":0.04906662926077843},{"text":"Just full name as well.","start":68.045,"end":69.345,"sentiment":"neutral","sentiment_score":0.056698591262102124},{"text":"Yep.","start":71.565,"end":71.965004,"sentiment":"neutral","sentiment_score":0.0837826058268547},{"text":"Great.","start":71.965004,"end":72.285,"sentiment":"positive","sentiment_score":0.42306098341941833}],"sentiment":"neutral","sentiment_score":0.07910601226122756,"num_words":19,"start":58.83,"end":72.285},{"sentences":[{"text":"Perfect.","start":72.285,"end":72.785,"sentiment":"positive","sentiment_score":0.36949875950813293},{"text":"Now I have to send you an email with the documents.","start":73.645004,"end":77.105,"sentiment":"neutral","sentiment_score":0.09493883970108899},{"text":"Do you have access to your emails at the moment?","start":77.245,"end":80.065,"sentiment":"neutral","sentiment_score":0.029091747663915157},{"text":"Oh, sweet.","start":83.07,"end":83.65,"sentiment":"neutral","sentiment_score":0.09462010115385056},{"text":"Now if you can open that, can you see the actual statement of advice?","start":84.509995,"end":88.35,"sentiment":"neutral","sentiment_score":0.04018448160162994}],"sentiment":"neutral","sentiment_score":0.06464648467341536,"num_words":38,"start":72.285,"end":88.35},{"sentences":[{"text":"Like, if you click on the link?","start":88.35,"end":89.89,"sentiment":"neutral","sentiment_score":0.02428750560751983},{"text":"Yep.","start":90.909996,"end":91.409996,"sentiment":"neutral","sentiment_score":0.06216054782271385},{"text":"Great.","start":92.59,"end":93.09,"sentiment":"positive","sentiment_score":0.4998881220817566},{"text":"Now it is pretty straightforward today.","start":93.435,"end":95.115,"sentiment":"positive","sentiment_score":0.4822704444328944},{"text":"We've kind of touched on a lot of it last time, so I'll try to keep it as quickly as I can for you.","start":95.115,"end":100.975,"sentiment":"neutral","sentiment_score":0.310824865475297}],"sentiment":"neutral","sentiment_score":0.2842430935169642,"num_words":39,"start":88.35,"end":100.975},{"sentences":[{"text":"Now every time we do make a recommendation on the financial products and make personalized financial advice, we have to put everything in this statement of advice for you just to make sure you are, you know, across everything and it all makes sense.","start":101.115,"end":114.02,"sentiment":"neutral","sentiment_score":0.23772150532088496},{"text":"A lot of it, like I said, is just for compliance purposes just to make sure you understand it.","start":114.08,"end":119.44,"sentiment":"neutral","sentiment_score":-0.011865245472443732},{"text":"So I'll kinda keep it as brief as I can for you.","start":119.44,"end":121.575,"sentiment":"neutral","sentiment_score":0.14366584519545236},{"text":"Otherwise, you will see on the cover page that it is prepared just for yourself.","start":123.015,"end":127.435,"sentiment":"neutral","sentiment_score":0.09113581428925197},{"text":"You will have my details listed on the cover page as well.","start":127.895,"end":130.935,"sentiment":"neutral","sentiment_score":0.09593912679702044}],"sentiment":"neutral","sentiment_score":0.14192748478814668,"num_words":102,"start":101.115,"end":130.935},{"sentences":[{"text":"So you'll see my authorized representative number there, and then I am licensed under Oakview Financial.","start":130.935,"end":136.315,"sentiment":"neutral","sentiment_score":0.059693011455237865},{"text":"Yep.","start":138.14,"end":138.64,"sentiment":"neutral","sentiment_score":0.12592782080173492},{"text":"Now on the second page, you will see best interest duty outlined.","start":139.18,"end":142.87999,"sentiment":"neutral","sentiment_score":0.09645002086957295},{"text":"Just making sure that we always take your best interest at heart when we are making any recommendations at all, and the advice itself has to put you in a better position as a result of the advice.","start":143.42,"end":154.565,"sentiment":"neutral","sentiment_score":0.195272357938321},{"text":"Otherwise, we cannot actually make the recommendation.","start":154.705,"end":156.80501,"sentiment":"neutral","sentiment_score":-0.12096850680453437}],"sentiment":"neutral","sentiment_score":0.11908089606141722,"num_words":74,"start":130.935,"end":156.80501},{"sentences":[{"text":"Does that make sense?","start":157.10501,"end":158.16501,"sentiment":"neutral","sentiment_score":0.022392938379198313},{"text":"Yep.","start":159.10501,"end":159.60501,"sentiment":"neutral","sentiment_score":0.19174371659755707},{"text":"Perfect.","start":159.905,"end":160.405,"sentiment":"positive","sentiment_score":0.5326734781265259},{"text":"Now as you scroll through to page three, you will see scope of the device outlined.","start":160.865,"end":168.11,"sentiment":"neutral","sentiment_score":0.24620098248124123},{"text":"Pretty straightforward today.","start":168.49,"end":170.27,"sentiment":"positive","sentiment_score":0.49312877655029297}],"sentiment":"neutral","sentiment_score":0.24930363990366458,"num_words":25,"start":157.10501,"end":170.27},{"sentences":[{"text":"The only things we are looking at is your superannuation to make sure we can maximize that growth for you, swap out in the underperforming investment.","start":170.57,"end":179.15001,"sentiment":"neutral","sentiment_score":0.1336097323264067},{"text":"Have a look at that SMA as well, and then just update your beneficiaries essentially.","start":179.775,"end":185.53499,"sentiment":"neutral","sentiment_score":0.09246669908364614},{"text":"That is literally all we're doing today.","start":185.53499,"end":187.055,"sentiment":"neutral","sentiment_score":0.16219943123204367},{"text":"It's pretty straightforward.","start":187.055,"end":187.95499,"sentiment":"neutral","sentiment_score":0.13534455001354218},{"text":"You kind of remember all that?","start":188.17499,"end":189.795,"sentiment":"neutral","sentiment_score":0.1199686098843813}],"sentiment":"neutral","sentiment_score":0.12494903253881555,"num_words":57,"start":170.57,"end":189.795},{"sentences":[{"text":"Yeah.","start":190.81499,"end":191.215,"sentiment":"neutral","sentiment_score":0.10633082687854768},{"text":"Yep.","start":191.215,"end":191.61499,"sentiment":"neutral","sentiment_score":0.15862010419368744},{"text":"Great.","start":191.61499,"end":192.095,"sentiment":"positive","sentiment_score":0.4989367127418518},{"text":"Perfect.","start":192.095,"end":192.595,"sentiment":"positive","sentiment_score":0.4139885902404785},{"text":"Now if you then wanna scroll down to page seven and eight, just a little bit of information about you.","start":194.62999,"end":201.75,"sentiment":"neutral","sentiment_score":0.1180461287498474}],"sentiment":"neutral","sentiment_score":0.1474499503771464,"num_words":24,"start":190.81499,"end":201.75},{"sentences":[{"text":"If you could just have a quick read over that for me just to make sure that's all up to date or if I need to make any changes.","start":201.75,"end":208.01,"sentiment":"neutral","sentiment_score":0.06929111180441647},{"text":"Looks good.","start":208.785,"end":210.80501,"sentiment":"neutral","sentiment_score":0.10997294634580612},{"text":"Great.","start":210.865,"end":211.345,"sentiment":"positive","sentiment_score":0.44720885157585144},{"text":"Perfect.","start":211.345,"end":211.845,"sentiment":"positive","sentiment_score":0.3486117124557495},{"text":"Let me Yes.","start":218.865,"end":220.24501,"sentiment":"neutral","sentiment_score":0.050176878770192467}],"sentiment":"neutral","sentiment_score":0.08821498153782967,"num_words":36,"start":201.75,"end":220.24501},{"sentences":[{"text":"Yes.","start":224.40001,"end":224.90001,"sentiment":"neutral","sentiment_score":0.11744682490825652},{"text":"Perfect.","start":225.04001,"end":225.54001,"sentiment":"neutral","sentiment_score":0.32795754075050354},{"text":"Yeah.","start":230.96,"end":231.44,"sentiment":"neutral","sentiment_score":-0.11244343221187592},{"text":"I Yes.","start":231.44,"end":235.235,"sentiment":"neutral","sentiment_score":-0.11911350488662718},{"text":"I have that through.","start":235.295,"end":236.175,"sentiment":"neutral","sentiment_score":-0.03141066525131464}],"sentiment":"neutral","sentiment_score":-0.0034343041479587525,"num_words":9,"start":224.40001,"end":236.175},{"sentences":[{"text":"It was, like, one day you set up, you know, years and years ago, and then it just got out of hand, and then you got a little bit more professional.","start":236.175,"end":242.195,"sentiment":"neutral","sentiment_score":-0.04522568420056374},{"text":"Yeah.","start":246.015,"end":246.515,"sentiment":"neutral","sentiment_score":0.014076325111091135},{"text":"Yes.","start":247.68999,"end":248.18999,"sentiment":"neutral","sentiment_score":0.02852250263094902},{"text":"No.","start":248.25,"end":248.48999,"sentiment":"neutral","sentiment_score":-0.02507849782705307},{"text":"Perfect.","start":248.48999,"end":248.81,"sentiment":"neutral","sentiment_score":0.19116201996803284}],"sentiment":"neutral","sentiment_score":-0.0340946817238416,"num_words":35,"start":236.175,"end":248.81},{"sentences":[{"text":"I will update that.","start":248.81,"end":249.61,"sentiment":"neutral","sentiment_score":0.09732444770634174},{"text":"And we do have, obviously, that as your main one, but I'll also update that too.","start":249.61,"end":253.04999,"sentiment":"neutral","sentiment_score":0.05366903473623097},{"text":"Just get rid of that one.","start":253.04999,"end":254.90999,"sentiment":"neutral","sentiment_score":0.03819455082217852},{"text":"Just to make sure, otherwise, on page nine, you will see, obviously, you'll have 24 outlined there, your current super balance, also your insurances.","start":255.68999,"end":264.685,"sentiment":"neutral","sentiment_score":0.08038551484545071},{"text":"Now we're not making any changes to your child insurances.","start":264.905,"end":267.485,"sentiment":"neutral","sentiment_score":-0.09018671754747629}],"sentiment":"neutral","sentiment_score":0.04174258053923647,"num_words":60,"start":248.81,"end":267.485},{"sentences":[{"text":"You're quite happy with them.","start":267.54498,"end":268.585,"sentiment":"positive","sentiment_score":0.44471444487571715},{"text":"They are quite affordable, so we're not making any changes there.","start":268.585,"end":271.885,"sentiment":"neutral","sentiment_score":0.15388201414184136},{"text":"Yep.","start":272.985,"end":273.465,"sentiment":"neutral","sentiment_score":0.12453858554363252},{"text":"Perfect.","start":273.465,"end":273.965,"sentiment":"neutral","sentiment_score":0.28908032178878784},{"text":"Next is just a little bit about your risk profile.","start":274.47,"end":277.61002,"sentiment":"neutral","sentiment_score":0.03659632336348295}],"sentiment":"neutral","sentiment_score":0.16770916146093182,"num_words":28,"start":267.54498,"end":277.61002},{"sentences":[{"text":"So, again, we are not making any changes to your risk profile.","start":277.91,"end":281.11002,"sentiment":"neutral","sentiment_score":-0.04541520153482755},{"text":"We are keeping you in the high growth portfolio.","start":281.11002,"end":283.45,"sentiment":"neutral","sentiment_score":0.12202503863308165},{"text":"You were quite comfortable with that.","start":283.91,"end":285.43002,"sentiment":"neutral","sentiment_score":0.18850638965765634},{"text":"You have plenty of time until retirement, and the focus is you're trying to maximize that growth as much as possible.","start":285.43002,"end":291.065,"sentiment":"neutral","sentiment_score":0.12332218637069066},{"text":"Yep.","start":292.00497,"end":292.50497,"sentiment":"neutral","sentiment_score":0.1714411824941635}],"sentiment":"neutral","sentiment_score":0.09072425231641652,"num_words":49,"start":277.91,"end":292.50497},{"sentences":[{"text":"Perfect.","start":292.645,"end":293.145,"sentiment":"neutral","sentiment_score":0.2924533486366272},{"text":"Now that then takes us through actually, if you wanna scroll down to page 19 for me, it's sometimes a little bit easier because it'll actually show you a a projection table.","start":293.685,"end":307.48,"sentiment":"neutral","sentiment_score":0.08172142424155027},{"text":"It shows you all the numbers and stuff because sometimes it's a bit easier to see it that way.","start":307.48,"end":311.42,"sentiment":"neutral","sentiment_score":0.11397690718111239},{"text":"Can you see that okay?","start":311.80002,"end":313.02002,"sentiment":"neutral","sentiment_score":0.07194019556045532},{"text":"Yep.","start":314.025,"end":314.505,"sentiment":"neutral","sentiment_score":0.10186988115310668}],"sentiment":"neutral","sentiment_score":0.09542536240970266,"num_words":58,"start":292.645,"end":314.505},{"sentences":[{"text":"Perfect.","start":314.505,"end":315.005,"sentiment":"positive","sentiment_score":0.37045884132385254},{"text":"So I did do research on the SMA and then also other portfolios to see if the SMA was going to be appropriate for you, put you in a better position, or if other options were better.","start":315.785,"end":328.20502,"sentiment":"neutral","sentiment_score":0.10491604619734995},{"text":"And having a look at everything for you at the moment, the SMA was definitely going to be more competitive.","start":328.86002,"end":335.12,"sentiment":"positive","sentiment_score":0.4054800346493721},{"text":"So I have recommended that we switch you to the SMA, and that is still within Hub 24.","start":335.74,"end":342.41498,"sentiment":"neutral","sentiment_score":0.2551319474975268},{"text":"It is on a different product offering, so it would just be a menu switch.","start":342.63498,"end":347.055,"sentiment":"neutral","sentiment_score":0.10589746509989102}],"sentiment":"neutral","sentiment_score":0.20376692609963837,"num_words":91,"start":314.505,"end":347.055},{"sentences":[{"text":"Essentially, for you, it doesn't change anything aside from the fact that you are not paying as much in administration fee because it's it is on a slightly cheaper product offering.","start":347.51498,"end":359.16,"sentiment":"neutral","sentiment_score":0.12390927177283072},{"text":"The the reason why we didn't recommend that in the first place was because the way that your portfolio was constructed, the more expensive product offering gives you access to more investment.","start":360.02,"end":370.76,"sentiment":"neutral","sentiment_score":0.019196717301383615},{"text":"But the good thing on the the cheaper product is that the SMA is available on there.","start":371.605,"end":376.825,"sentiment":"positive","sentiment_score":0.44334199148065906},{"text":"So, therefore, we can switch you now to the cheaper product, and it saves you about a $180 in admin fees, which is great per year.","start":377.20502,"end":384.09,"sentiment":"positive","sentiment_score":0.48463113147478837},{"text":"Yep.","start":385.05,"end":385.55,"sentiment":"positive","sentiment_score":0.4222542643547058}],"sentiment":"neutral","sentiment_score":0.2337846721165648,"num_words":107,"start":347.51498,"end":385.55},{"sentences":[{"text":"Perfect.","start":385.77,"end":386.27,"sentiment":"positive","sentiment_score":0.6039814949035645},{"text":"Now you can also see the investment fee changes.","start":386.73,"end":389.23,"sentiment":"neutral","sentiment_score":0.3104475140571594},{"text":"So, again, by switching it through the SMA, still within your high growth portfolio, you can see that the investment fees are of also reduced.","start":389.37,"end":397.47,"sentiment":"positive","sentiment_score":0.35936676859855654},{"text":"So, again, saving about 379 per year in just investment fees alone.","start":397.795,"end":402.935,"sentiment":"neutral","sentiment_score":0.267513948182265},{"text":"Yep.","start":403.95502,"end":404.45502,"sentiment":"positive","sentiment_score":0.34941887855529785}],"sentiment":"neutral","sentiment_score":0.33212009569009143,"num_words":48,"start":385.77,"end":404.45502},{"sentences":[{"text":"Perfect.","start":404.515,"end":405.015,"sentiment":"positive","sentiment_score":0.49156907200813293},{"text":"Otherwise, there's no changes to the contributions or insurances and anything like that.","start":406.11502,"end":411.9,"sentiment":"neutral","sentiment_score":0.13910124336297697},{"text":"I do want to point out that if you notice at the top versus the balance difference of 172, that is the capital gains tax that would come out from your super by making the changes.","start":412.13998,"end":425.68,"sentiment":"neutral","sentiment_score":0.052940627042618066},{"text":"So we're trying to obviously limit that as much as possible by having as much crossover with the investments to limit it.","start":426.215,"end":432.635,"sentiment":"neutral","sentiment_score":0.01748819877816872},{"text":"And it's only about that 172, which obviously will you save in just the admin theme alone.","start":432.855,"end":440.19,"sentiment":"neutral","sentiment_score":0.081370089422254}],"sentiment":"neutral","sentiment_score":0.06712112025347318,"num_words":89,"start":404.515,"end":440.19},{"sentences":[{"text":"But I do wanna let you know in case you see that.","start":440.19,"end":443.00998,"sentiment":"neutral","sentiment_score":0.0701081994920969},{"text":"Exact exactly.","start":447.63,"end":448.84998,"sentiment":"neutral","sentiment_score":0.15436455607414246},{"text":"Now at the bottom there, you'll also see the five year rolling average.","start":450.27,"end":454.61,"sentiment":"neutral","sentiment_score":0.08615840770877324},{"text":"But you'll see they're both high growth portfolios, so there is a difference as well in their portfolio return.","start":454.845,"end":460.305,"sentiment":"neutral","sentiment_score":0.05066936757219465},{"text":"Now this is using the five year historical rolling average as well.","start":460.685,"end":466.225,"sentiment":"neutral","sentiment_score":0.11717921867966652}],"sentiment":"neutral","sentiment_score":0.07998198990164132,"num_words":58,"start":440.19,"end":466.225},{"sentences":[{"text":"And even by doing the switch as well, you can see that the performance has outperformed by about seven point sorry, by 4.07, which, again, that coupled with the reduced fees will obviously put you in a better position.","start":466.605,"end":483.28998,"sentiment":"positive","sentiment_score":0.40210603253963667},{"text":"And the really good thing with the SMA, which we touched on last time, is that it gives us that flexibility of being able to react very quickly if we foresee there's any market changes to then make sure that your investments don't drop or that you don't lose anything, that we can quickly make those changes very quickly in the back end.","start":483.775,"end":502.61002,"sentiment":"positive","sentiment_score":0.49077124893665314},{"text":"Yeah.","start":503.71,"end":504.11002,"sentiment":"neutral","sentiment_score":0.3217319846153259},{"text":"Perfect.","start":504.11002,"end":504.61002,"sentiment":"positive","sentiment_score":0.4595608115196228},{"text":"Now on the next page, which is page 20, you can then see this kind of forecasted five and ten years for you, factoring in, obviously, the fees and the returns and everything like that.","start":505.79,"end":517.385,"sentiment":"neutral","sentiment_score":0.14498013811452048}],"sentiment":"positive","sentiment_score":0.3773836085050226,"num_words":139,"start":466.605,"end":517.385},{"sentences":[{"text":"And at the bottom there, you will then see a bit more on the return, so including a twelve month, three years, and five years, and you can kind of see again throughout the last twelve, three, and five years, again, the estimate has outperformed your current situation.","start":517.685,"end":534.13,"sentiment":"neutral","sentiment_score":0.12949721980839968},{"text":"Yep.","start":535.55,"end":536.03,"sentiment":"neutral","sentiment_score":0.22176939249038696},{"text":"Perfect.","start":536.03,"end":536.53,"sentiment":"positive","sentiment_score":0.3558322787284851},{"text":"Now if you then wanna scroll up for me to page 17, it will just show you the change in the investments.","start":537.05505,"end":544.275,"sentiment":"neutral","sentiment_score":0.08255555920980194},{"text":"If you can see that.","start":544.49506,"end":545.715,"sentiment":"neutral","sentiment_score":0.0476260781288147}],"sentiment":"neutral","sentiment_score":0.11490676513352951,"num_words":77,"start":517.685,"end":545.715},{"sentences":[{"text":"Yep.","start":545.85504,"end":546.35504,"sentiment":"neutral","sentiment_score":0.09100498259067535},{"text":"Now like I said as well, because you're invested in the SMA, at the moment here, you will just see that 50% in the catalyst estimate, 50% in the bloom.","start":546.655,"end":556.06,"sentiment":"neutral","sentiment_score":0.09099985733628273},{"text":"The reason for the split is to put you in that high growth portfolio, which is on the next page, page 18.","start":556.36005,"end":564.06,"sentiment":"neutral","sentiment_score":0.08245704424652187},{"text":"You can then see the asset allocation outlined.","start":564.48505,"end":567.385,"sentiment":"neutral","sentiment_score":0.07926080841571093},{"text":"So you can see your growth, your existing, and the proposed.","start":567.68506,"end":571.145,"sentiment":"neutral","sentiment_score":0.10658721287142146}],"sentiment":"neutral","sentiment_score":0.08946668729186058,"num_words":72,"start":545.85504,"end":571.145},{"sentences":[{"text":"But we wanna keep you as close to that ninety ten as we can.","start":571.36505,"end":574.98505,"sentiment":"neutral","sentiment_score":0.1483676896563598},{"text":"So doing a fifty fifty into the SMA will give you really close to that.","start":575.04504,"end":579.30505,"sentiment":"neutral","sentiment_score":0.16739867826302846},{"text":"Yeah.","start":580.25,"end":580.57,"sentiment":"neutral","sentiment_score":0.251786470413208},{"text":"Perfect.","start":580.57,"end":581.07,"sentiment":"positive","sentiment_score":0.4019151031970978},{"text":"Now when we do you know, if you're happy to go ahead and make the change when you when we do make the change when you actually log in to your Hub 24, you will see, you know, the catalyst SMA in the blue mist.","start":581.37,"end":591.69,"sentiment":"neutral","sentiment_score":0.10236175821887122}],"sentiment":"neutral","sentiment_score":0.12958037529728914,"num_words":76,"start":571.36505,"end":591.69},{"sentences":[{"text":"Maybe you can actually click on them, and then you can see all the underlying investments as well.","start":591.69,"end":595.425,"sentiment":"neutral","sentiment_score":0.06265034609370762},{"text":"So you still have that kind of oversight of, you know, what's actually in it.","start":595.665,"end":599.265,"sentiment":"positive","sentiment_score":0.3965289041399956},{"text":"And if we do make any changes, we will let you know.","start":599.265,"end":601.58496,"sentiment":"neutral","sentiment_score":0.23503683631618819},{"text":"So, again, you have that transparency.","start":601.58496,"end":603.205,"sentiment":"neutral","sentiment_score":0.21305972337722778},{"text":"Yep.","start":604.705,"end":605.105,"sentiment":"positive","sentiment_score":0.3600507974624634}],"sentiment":"neutral","sentiment_score":0.2218171339482069,"num_words":52,"start":591.69,"end":605.105},{"sentences":[{"text":"Perfect.","start":605.105,"end":605.605,"sentiment":"positive","sentiment_score":0.5061482191085815},{"text":"Now I won't go through it, but a little bit further after we scrolled through, it just puts everything into kind of words and black and white for you is most of what we've already gone through.","start":606.305,"end":616.3,"sentiment":"neutral","sentiment_score":0.022476370521896594},{"text":"But it shows you kind of the advantages and disadvantages and the risk in regards to the recommendation.","start":616.44,"end":622.14,"sentiment":"neutral","sentiment_score":-0.06460755132138729},{"text":"So a biggest thing is obviously, the fee saving, the flexibility of the investment changes and everything like that.","start":623.245,"end":630.54504,"sentiment":"neutral","sentiment_score":0.039970506766909046},{"text":"One of the disadvantages that CGT, I mentioned, and the risk is that there's always a level of risk associated with any investment option.","start":630.60504,"end":638.945,"sentiment":"neutral","sentiment_score":-0.14704273967072368}],"sentiment":"neutral","sentiment_score":-0.0262095769585082,"num_words":99,"start":605.105,"end":638.945},{"sentences":[{"text":"But the good thing with that estimate is that it gives us that flexibility of reacting quickly if we need to do so.","start":639.11005,"end":644.89,"sentiment":"neutral","sentiment_score":0.26394699481518374},{"text":"Yep.","start":645.43005,"end":645.93005,"sentiment":"neutral","sentiment_score":0.17018477618694303},{"text":"Perfect.","start":646.07,"end":646.57,"sentiment":"neutral","sentiment_score":0.31660938262939453},{"text":"Now, basically, at the end here, sorry, the last couple of things is just showing you the beneficiary update.","start":647.51,"end":653.77,"sentiment":"neutral","sentiment_score":0.10544456541538239},{"text":"Pretty straightforward.","start":654.185,"end":654.90497,"sentiment":"neutral","sentiment_score":0.22445912659168243}],"sentiment":"neutral","sentiment_score":0.19586826164437376,"num_words":46,"start":639.11005,"end":654.90497},{"sentences":[{"text":"We spoke about that last time as well.","start":654.90497,"end":657.065,"sentiment":"neutral","sentiment_score":0.12683237064629793},{"text":"It's just to update that and change it to yourself, and that would obviously be a 100% tax free through her.","start":657.065,"end":662.685,"sentiment":"neutral","sentiment_score":0.18403172422023045},{"text":"Yep.","start":663.70496,"end":664.20496,"sentiment":"neutral","sentiment_score":0.1646212637424469},{"text":"Now the last thing I do want to mention is page 25, which is just a remuneration.","start":665.065,"end":671.94,"sentiment":"neutral","sentiment_score":0.08747195474365178},{"text":"So is it if it is that you are happy to go ahead with this change, there is no additional fees or charges whatsoever.","start":672.4,"end":678.82,"sentiment":"neutral","sentiment_score":0.26027830441792804}],"sentiment":"neutral","sentiment_score":0.17996688696070456,"num_words":71,"start":654.90497,"end":678.82},{"sentences":[{"text":"It is all part of the ongoing advice fee, which is that 1.65% from super.","start":679.44,"end":685.38,"sentiment":"neutral","sentiment_score":0.26150018473466236},{"text":"That is not changing whatsoever.","start":685.685,"end":687.14496,"sentiment":"neutral","sentiment_score":0.1900199055671692},{"text":"Yep.","start":688.805,"end":689.305,"sentiment":"neutral","sentiment_score":0.13412441313266754},{"text":"And then underneath that, you will just see your tal insurance outline.","start":689.365,"end":692.665,"sentiment":"neutral","sentiment_score":0.0836068553229173},{"text":"Again, though, it is tal paying us for those insurances.","start":693.20496,"end":696.26495,"sentiment":"neutral","sentiment_score":-0.03502644002437592}],"sentiment":"neutral","sentiment_score":0.13162196687487668,"num_words":43,"start":679.44,"end":696.26495},{"sentences":[{"text":"It is not you.","start":697.045,"end":697.925,"sentiment":"neutral","sentiment_score":-0.05245067086070776},{"text":"But for compliance purposes, we have to disclose everything so you are fully aware, and that's just 22% of the premium.","start":697.925,"end":704.96,"sentiment":"neutral","sentiment_score":-0.006131262147045206},{"text":"Again, it's help paying up, though.","start":704.96,"end":706.66,"sentiment":"neutral","sentiment_score":0.07944491567711036},{"text":"Yep.","start":707.2,"end":707.68,"sentiment":"neutral","sentiment_score":0.020531199872493744},{"text":"Any questions with any of that?","start":707.68,"end":709.62,"sentiment":"neutral","sentiment_score":0.014488225492338339}],"sentiment":"neutral","sentiment_score":0.006462391009431724,"num_words":38,"start":697.045,"end":709.62},{"sentences":[{"text":"Not.","start":710.64,"end":711.135,"sentiment":"neutral","sentiment_score":0.033307790756225586},{"text":"Yeah.","start":711.295,"end":711.615,"sentiment":"neutral","sentiment_score":0.16921204328536987},{"text":"Perfect.","start":711.615,"end":712.115,"sentiment":"positive","sentiment_score":0.3616921901702881},{"text":"So, essentially, from here, Thomas, if you would like to go ahead and make the change, what I'll need you to do is just to sign that document.","start":712.255,"end":719.47504,"sentiment":"neutral","sentiment_score":0.1873649555657591},{"text":"That will then come through to me, and I will let the team know, and we can go ahead and make this change for you.","start":719.53503,"end":726.115,"sentiment":"neutral","sentiment_score":0.27853509068489074}],"sentiment":"neutral","sentiment_score":0.22810371512813227,"num_words":56,"start":710.64,"end":726.115},{"sentences":[{"text":"Perfect.","start":730.07,"end":730.57,"sentiment":"positive","sentiment_score":0.4279206395149231},{"text":"And while you are doing it, I do wanna let you know as well that in that email, before you click on the link, so if you do wanna go back later, you will see a couple of attachments.","start":730.87,"end":739.37,"sentiment":"neutral","sentiment_score":0.14329401881266862},{"text":"They are all just the supporting documents.","start":739.895,"end":742.075,"sentiment":"neutral","sentiment_score":0.0787811673113278},{"text":"So about your HUB 24, there's a product disclosure statement about the SMA.","start":742.295,"end":747.335,"sentiment":"neutral","sentiment_score":0.073852150199505},{"text":"Again, if you wanna have a bit of a read over it, all the supporting document is just there for you as well.","start":747.335,"end":752.955,"sentiment":"neutral","sentiment_score":0.12780553847551346}],"sentiment":"neutral","sentiment_score":0.12611398652914058,"num_words":83,"start":730.07,"end":752.955},{"sentences":[{"text":"And on the SMS you are signing, you will also see the ongoing service agreement, which is, again, just to obviously say that you're happy to stay on board as a client.","start":757.05,"end":765.55,"sentiment":"neutral","sentiment_score":0.16890996554866433},{"text":"But as you would know, you know, it's not a locking contract at all.","start":765.85,"end":769.265,"sentiment":"neutral","sentiment_score":-0.04464554347630058},{"text":"So if at any point in time you are not happy, there is no locking contract.","start":769.265,"end":772.405,"sentiment":"neutral","sentiment_score":-0.09825352602638304},{"text":"Yep.","start":773.665,"end":774.165,"sentiment":"neutral","sentiment_score":-0.015274858102202415},{"text":"Perfect.","start":775.025,"end":775.525,"sentiment":"neutral","sentiment_score":0.2564229965209961}],"sentiment":"neutral","sentiment_score":0.053893328295089304,"num_words":64,"start":757.05,"end":775.525},{"sentences":[{"text":"And let me know if that came through okay, and I can try to update it and see if that'll come through.","start":776.385,"end":783.71,"sentiment":"neutral","sentiment_score":0.18765713206746362},{"text":"Sometimes it is a little bit slow, and then I can let the team know that we can go ahead and make this change for you.","start":783.71,"end":788.93,"sentiment":"neutral","sentiment_score":0.07098717514712077},{"text":"Great.","start":792.43,"end":792.91003,"sentiment":"positive","sentiment_score":0.6159957647323608},{"text":"Perfect.","start":792.91003,"end":793.41003,"sentiment":"positive","sentiment_score":0.5316966772079468},{"text":"Now do you have any other questions for me, Thomas, before I let you go otherwise?","start":793.63,"end":797.685,"sentiment":"neutral","sentiment_score":0.11355550470761955}],"sentiment":"neutral","sentiment_score":0.13543490873593272,"num_words":66,"start":776.385,"end":797.685},{"sentences":[{"text":"No.","start":798.805,"end":799.305,"sentiment":"neutral","sentiment_score":-0.040606483817100525},{"text":"Yep.","start":799.765,"end":800.165,"sentiment":"neutral","sentiment_score":0.1429702788591385},{"text":"Perfect.","start":800.165,"end":800.485,"sentiment":"positive","sentiment_score":0.6816723346710205},{"text":"Well, I hope you enjoy the rest of your day, and I look forward to speaking with you soon again.","start":800.485,"end":804.505,"sentiment":"positive","sentiment_score":0.6678987056016922},{"text":"No worries.","start":806.005,"end":806.485,"sentiment":"neutral","sentiment_score":0.2913663014769554}],"sentiment":"positive","sentiment_score":0.5889897137880326,"num_words":25,"start":798.805,"end":806.485},{"sentences":[{"text":"Thanks, Thomas.","start":806.485,"end":807.385,"sentiment":"positive","sentiment_score":0.5280003249645233},{"text":"Bye.","start":808.005,"end":808.505,"sentiment":"neutral","sentiment_score":-0.12017497420310974}],"sentiment":"neutral","sentiment_score":0.31194189190864563,"num_words":3,"start":806.485,"end":808.505}]}}]},{"alternatives":[{"transcript":"Hello? Hello? Yep. Here we go. I'm good. Thanks. Yourself? Yeah. Yeah. Yeah. 100%. Yep. Yeah. That's fine. I can barely hear you. Can you possibly speak into the market a bit more? Oh, okay. Yeah. That's a bit better now. Yeah. Thank you. Yep. So 3392. Address is 23 Eagle Circuit, Campbell. Thomas Trevor Draper. Yes. I'm just looking at it at the moment. Yep. Yep. I'm just writing it now. Yep. Yep. Yep. No worries. Yep. Yep. 100%. Yep. Yeah. Yeah. Cool. Cool. Cool. Yeah. Yeah. Yep. Yep. Yeah. It looks no. It looks pretty good. Yep. Just with the email that you've got on there, do you wanna just change that to the email that you just sent this email to? Just my work email? Because that's actually that's actually my primary now. So just tom_opsgroup@outlook.com.au. Yeah. The other one's more of just a junk one for anything that gets bought online because, you know, you end up with so many subscriptions to emails that you don't want. So I just sort of got out of hand. So yeah. Yeah. That that that's right. You look at it one day and you got 2,100 emails and just like, oh, shit. Yep. Awesome. Yep. Yep. Coco. Yeah. Cool. Yeah. Yep. Yep. Yep. Got that. Yep. Okay. Yep. Okay. Yeah. Yep. I can. Yep. Yeah. Awesome. Alright. Yeah. Yeah. Cool. Mhmm. Yep. Okay. Yep. Yep. Yeah. And in the grand scheme, the thing is, like, $172 is next to nothing anyway, so that's fine. Yep. Yep. Yeah. Cool. Yep. Yep. Mhmm. Yeah. Beautiful. Okay. Yep. Yeah. Okay. Yep. Yeah. Cool. Mhmm. Hi. Yep. Beautiful. Yeah. Awesome. Yep. Mhmm. Yeah. Coco. Yep. Yep. Cool. Cool. Alright. Yeah. Yep. Okay. Cool. Okay. Yep. Not a worries. No. It's all pretty straightforward. Yep. Too lazy. I'll get it done right now. Yep. Yep. No worries. Yep. No worries. Well, it's just loading now, so you should see it shortly. Yep. No. No. No. It's all fairly straightforward. Yeah. Sure. No worries. You too. Thank you. Bye bye. Cheers. 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Hello? Yep. Here we go. I'm good.\n\nThanks. Yourself? Yeah. Yeah. Yeah.\n\n100%. Yep. Yeah. That's fine. I can barely hear you.\n\nCan you possibly speak into the market a bit more? Oh, okay. Yeah. That's a bit better now. Yeah.\n\nThank you. Yep. So 3392. Address is 23 Eagle Circuit, Campbell. Thomas Trevor Draper.\n\nYes. I'm just looking at it at the moment. Yep. Yep. I'm just writing it now.\n\nYep. Yep. Yep. No worries. Yep.\n\nYep. 100%. Yep. Yeah. Yeah.\n\nCool. Cool. Cool. Yeah. Yeah.\n\nYep. Yep. Yeah. It looks no. It looks pretty good.\n\nYep. Just with the email that you've got on there, do you wanna just change that to the email that you just sent this email to? Just my work email? Because that's actually that's actually my primary now. So just tom_opsgroup@outlook.com.au.\n\nYeah. The other one's more of just a junk one for anything that gets bought online because, you know, you end up with so many subscriptions to emails that you don't want. So I just sort of got out of hand. So yeah. Yeah.\n\nThat that that's right. You look at it one day and you got 2,100 emails and just like, oh, shit. Yep. Awesome. Yep.\n\nYep. Coco. Yeah. Cool. Yeah.\n\nYep. Yep. Yep. Got that. Yep.\n\nOkay. Yep. Okay. Yeah. Yep.\n\nI can. Yep. Yeah. Awesome. Alright.\n\nYeah. Yeah. Cool. Mhmm. Yep.\n\nOkay. Yep. Yep. Yeah. And in the grand scheme, the thing is, like, $172 is next to nothing anyway, so that's fine.\n\nYep. Yep. Yeah. Cool. Yep.\n\nYep. Mhmm. Yeah. Beautiful. Okay.\n\nYep. Yeah. Okay. Yep. Yeah.\n\nCool. Mhmm. Hi. Yep. Beautiful.\n\nYeah. Awesome. Yep. Mhmm. Yeah.\n\nCoco. Yep. Yep. Cool. Cool.\n\nAlright. Yeah. Yep. Okay. Cool.\n\nOkay. Yep. Not a worries. No. It's all pretty straightforward.\n\nYep. Too lazy. I'll get it done right now. Yep. Yep.\n\nNo worries. Yep. No worries. Well, it's just loading now, so you should see it shortly. Yep.\n\nNo. No. No. It's all fairly straightforward. Yeah.\n\nSure. No worries. You too. Thank you. Bye bye.\n\nCheers. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.48,"end":0.98,"sentiment":"neutral","sentiment_score":0.0396156832575798},{"text":"Hello?","start":1.92,"end":2.42,"sentiment":"neutral","sentiment_score":0.08065931499004364},{"text":"Yep.","start":3.36,"end":3.76,"sentiment":"neutral","sentiment_score":0.10940079391002656},{"text":"Here we go.","start":3.76,"end":4.58,"sentiment":"neutral","sentiment_score":0.1682461847861608},{"text":"I'm 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Here we go.\n\nChannel 0: This is Veronica from Oakview Financial. How are you?\n\nChannel 1: I'm good. Thanks. Yourself?\n\nChannel 0: Yeah. I'm good. Thanks. I just had you booked in to go over the strategy recommendations quickly with you after our last conversation. Is now still\n\nChannel 1: Yeah.\n\nChannel 0: a good time?\n\nChannel 1: Yeah. Yeah. 100%.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Alright. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Yeah. That's fine. I can barely hear you. Can you possibly speak into the market a bit more?\n\nChannel 0: Let me see.\n\nChannel 1: Oh,\n\nChannel 0: I\n\nChannel 1: okay.\n\nChannel 0: do have one of those headsets that the mic is right next to my mouth, but I'll see if I can turn it up a little bit. Is that any better?\n\nChannel 1: Yeah. That's a bit better now.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Okay. Perfect. And as well, Thomas, just need to\n\nChannel 1: Thank\n\nChannel 0: confirm that I'm speaking with the right person. So\n\nChannel 1: you.\n\nChannel 0: just your full name, date of birth, and address, please.\n\nChannel 1: Yep. So 3392. Address is 23 Eagle Circuit, Campbell.\n\nChannel 0: Yep. Just full name as well.\n\nChannel 1: Thomas Trevor Draper.\n\nChannel 0: Yep. Great. Perfect. Now I have to send you an email with the documents. Do you have access to your emails at the moment?\n\nChannel 1: Yes. I'm just looking at it at the moment.\n\nChannel 0: Oh, sweet. Now if you can open that, can you see the actual statement of advice? Like, if you click on the link?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep.\n\nChannel 1: I'm just writing it now.\n\nChannel 0: Great. Now it is pretty straightforward today. We've kind of touched on a lot of it last time, so I'll try to keep it as quickly as I can for you. Now every time we do make a recommendation on the financial products and make personalized financial advice, we have to put everything in this statement of advice for you just to make sure you are, you know, across everything and it all makes sense. A lot of it, like I said, is just for compliance purposes just to make sure you understand it.\n\nSo I'll kinda\n\nChannel 1: Yep.\n\nChannel 0: keep it as brief as I can for you.\n\nChannel 1: Yep.\n\nChannel 0: Otherwise, you will see on the cover page that it is prepared just for yourself. You will have my details listed on the cover page as well. So you'll see my authorized representative number there, and then I am licensed under Oakview Financial.\n\nChannel 1: Yep. No worries.\n\nChannel 0: Yep. Now on the second page, you will see best interest duty outlined. Just making sure that we always take your best interest at heart when we are making any recommendations at all, and the advice itself has to put you in a better position as a result\n\nChannel 1: Yep.\n\nChannel 0: of the advice. Otherwise, we cannot actually make the recommendation. Does that make sense?\n\nChannel 1: Yep. 100%.\n\nChannel 0: Yep. Perfect. Now as you scroll through to page three, you will see scope of the device outlined. Pretty straightforward today. The only things we are looking at is your superannuation to make sure we can maximize that growth for you, swap out in\n\nChannel 1: Yep.\n\nChannel 0: the underperforming investment. Have a look at that SMA as well, and then just update your beneficiaries essentially. That is literally all we're doing today. It's pretty\n\nChannel 1: Yeah.\n\nChannel 0: straightforward.\n\nChannel 1: Yeah. Cool.\n\nChannel 0: You kind\n\nChannel 1: Cool.\n\nChannel 0: of remember\n\nChannel 1: Cool.\n\nChannel 0: all that?\n\nChannel 1: Yeah. Yeah. Yep. Yep.\n\nChannel 0: Yeah. Yep. Great. Perfect. Now if you then wanna scroll down to page seven and eight, just a little bit of information about you.\n\nIf you could just have a quick read over that for me just to make sure that's all up to date or\n\nChannel 1: Yeah.\n\nChannel 0: if\n\nChannel 1: It\n\nChannel 0: I\n\nChannel 1: looks\n\nChannel 0: need to make any changes. Looks\n\nChannel 1: no. It looks pretty good.\n\nChannel 0: good. Great.\n\nChannel 1: Yep.\n\nChannel 0: Perfect.\n\nChannel 1: Just with the email that you've got on there, do you wanna just change that to the email that you just sent this email to? Just my work email? Because\n\nChannel 0: Let\n\nChannel 1: that's actually\n\nChannel 0: me\n\nChannel 1: that's actually\n\nChannel 0: Yes.\n\nChannel 1: my primary now. So just tom_opsgroup@outlook.com.au.\n\nChannel 0: Yes. Perfect.\n\nChannel 1: Yeah. The other one's more of just a junk one for anything that gets bought online because, you know, you end up with so many\n\nChannel 0: Yeah.\n\nChannel 1: subscriptions\n\nChannel 0: I\n\nChannel 1: to emails that you don't want. So I just sort of got out of hand. So\n\nChannel 0: Yes. I have that through. It was, like, one day\n\nChannel 1: yeah.\n\nChannel 0: you set up, you know, years and years ago, and then it just got out of hand, and then you got\n\nChannel 1: Yeah.\n\nChannel 0: a little bit\n\nChannel 1: That\n\nChannel 0: more professional.\n\nChannel 1: that that's right. You look at it one day and you got 2,100 emails and\n\nChannel 0: Yeah. Yes. No. Perfect. I will update that.\n\nAnd we do have, obviously, that as your main one, but I'll\n\nChannel 1: just\n\nChannel 0: also update\n\nChannel 1: like,\n\nChannel 0: that too.\n\nChannel 1: oh,\n\nChannel 0: Just get rid\n\nChannel 1: shit.\n\nChannel 0: of\n\nChannel 1: Yep.\n\nChannel 0: that\n\nChannel 1: Awesome.\n\nChannel 0: one. Just to make sure, otherwise, on page nine, you will see, obviously, you'll have 24 outlined there, your current super balance, also your insurances. Now we're not making any changes to your child insurances. You're quite happy with them. They are quite affordable, so we're not\n\nChannel 1: Yep.\n\nChannel 0: making any changes there.\n\nChannel 1: Yep. Coco.\n\nChannel 0: Yep. Perfect. Next is just a little bit about your risk profile. So, again, we are not making any changes to your risk profile. We are keeping you in the high growth portfolio.\n\nYou were quite comfortable with that. You have plenty of time until retirement, and the focus is you're trying to maximize that growth as much as possible.\n\nChannel 1: Yeah. Cool.\n\nChannel 0: Yep. Perfect. Now that then takes us through actually, if you wanna scroll down to page 19 for me, it's\n\nChannel 1: Yeah.\n\nChannel 0: sometimes a little bit easier because it'll actually show you a a projection table. It shows you all the numbers and stuff because sometimes it's a bit easier to see it that way.\n\nChannel 1: Yep.\n\nChannel 0: Can you see that okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep.\n\nChannel 1: Got that.\n\nChannel 0: Perfect. So I did do research on the SMA and then also other portfolios to see if the SMA was going to be appropriate for you, put you in a better position, or if other options were better. And having a look at everything for you at the moment, the SMA was definitely going to be more competitive. So\n\nChannel 1: Yep.\n\nChannel 0: I have recommended that we switch you to the SMA, and that is still within Hub 24. It is on a different product offering, so it would just be a menu switch. Essentially,\n\nChannel 1: Okay.\n\nChannel 0: for\n\nChannel 1: Yep.\n\nChannel 0: you, it doesn't change anything aside from the fact that you are not paying as much in administration fee because it's it is on a slightly cheaper product offering.\n\nChannel 1: Okay.\n\nChannel 0: The\n\nChannel 1: Yeah.\n\nChannel 0: the reason why we didn't recommend that in the first place was because the way that your portfolio was constructed, the more expensive product offering gives you access to more investment.\n\nChannel 1: Yep.\n\nChannel 0: But the good thing on the the cheaper product is that the SMA is available on there. So,\n\nChannel 1: I can.\n\nChannel 0: therefore, we can switch you now to the cheaper product, and it saves you about a $180 in admin fees, which is great per year.\n\nChannel 1: Yep. Yeah. Awesome.\n\nChannel 0: Yep.\n\nChannel 1: Alright.\n\nChannel 0: Perfect. Now you can also see the investment fee changes. So, again, by switching it through the SMA, still within your high growth portfolio, you can see that the investment fees are of also reduced. So, again,\n\nChannel 1: Yeah.\n\nChannel 0: saving about 379 per year in just investment fees alone.\n\nChannel 1: Yeah. Cool.\n\nChannel 0: Yep. Perfect. Otherwise, there's no changes to the contributions or insurances and anything like that. I do want to point out that if you notice at the top versus the balance difference of 172, that is the capital gains tax that\n\nChannel 1: Mhmm.\n\nChannel 0: would\n\nChannel 1: Yep.\n\nChannel 0: come out from your super by making the changes. So we're\n\nChannel 1: Okay.\n\nChannel 0: trying to obviously limit that as much as possible by having as much crossover with the investments to limit it. And\n\nChannel 1: Yep.\n\nChannel 0: it's only about that 172, which obviously will you save in just the admin theme alone. But I\n\nChannel 1: Yep.\n\nChannel 0: do wanna let you know in case you see that.\n\nChannel 1: Yeah. And in the grand scheme, the thing is, like, $172 is next to nothing anyway, so that's\n\nChannel 0: Exact\n\nChannel 1: fine.\n\nChannel 0: exactly. Now at the bottom there, you'll also see the five year rolling average. But you'll see they're both high growth portfolios, so there is a difference as well in their portfolio return. Now this is using the five year historical rolling average as\n\nChannel 1: Yep.\n\nChannel 0: well. And even by doing the switch as well, you can see that the performance has outperformed by about seven point sorry, by 4.07, which,\n\nChannel 1: Yep.\n\nChannel 0: again, that coupled with the reduced fees will obviously put you in a better position. And the really good thing with the SMA, which we touched on last time, is that it gives us that flexibility of being able to react very quickly if we foresee there's any market changes to then make sure that your investments don't drop or that you don't lose anything, that we can quickly make those changes very quickly in the back end.\n\nChannel 1: Yeah. Cool.\n\nChannel 0: Yeah. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: Now on the next page, which is page 20, you can then see this kind of forecasted five and ten years for you,\n\nChannel 1: Yep.\n\nChannel 0: factoring in, obviously, the fees and the returns and everything like that. And at the bottom there, you will then see a bit more on the return, so including a twelve month, three years, and five years, and you can kind\n\nChannel 1: Mhmm.\n\nChannel 0: of see again throughout the last twelve, three, and five years, again, the estimate has outperformed your current situation.\n\nChannel 1: Yeah. Beautiful.\n\nChannel 0: Yep. Perfect. Now if you then wanna scroll up for me to page 17, it will just show you the change in the investments. If you can\n\nChannel 1: Okay.\n\nChannel 0: see that. Yep. Now like I said as well, because you're invested in the SMA, at the moment here, you will just see that 50% in the catalyst estimate, 50% in the bloom. The reason for the split is to put you in that high growth portfolio, which is on the next page, page 18. You can then\n\nChannel 1: Yep.\n\nChannel 0: see the asset allocation outlined. So you\n\nChannel 1: Yeah.\n\nChannel 0: can see\n\nChannel 1: Okay.\n\nChannel 0: your growth, your existing, and the proposed. But we wanna keep you as close to that ninety ten as we can. So doing a fifty fifty into the SMA will give you really close to that.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Perfect.\n\nChannel 1: Yeah. Cool.\n\nChannel 0: Now when we do you know, if you're happy to go ahead and make the change when you when we do make the change\n\nChannel 1: Mhmm.\n\nChannel 0: when you actually log in to your Hub 24, you will see, you know, the catalyst SMA in the blue mist. Maybe you can actually click on them, and then you can see all the underlying investments as well. So\n\nChannel 1: Hi.\n\nChannel 0: you\n\nChannel 1: Yep.\n\nChannel 0: still\n\nChannel 1: Beautiful.\n\nChannel 0: have that kind of oversight of, you know, what's actually in it. And if we do make any changes, we will let you know. So, again, you have that transparency.\n\nChannel 1: Yeah. Awesome.\n\nChannel 0: Yep. Perfect. Now I won't go through it, but a little bit further after we scrolled through, it just puts everything into kind of words and black and white for you is most of what we've already gone through. But it shows you kind of the advantages and disadvantages and the risk in regards to the recommendation. So a\n\nChannel 1: Yep.\n\nChannel 0: biggest thing is obviously, the fee saving, the flexibility of the investment changes and everything like that. One of the disadvantages that CGT, I mentioned, and the risk is that there's always a level of risk associated with any investment option. But the good thing with that estimate is that it gives us that flexibility of reacting quickly if\n\nChannel 1: Mhmm.\n\nChannel 0: we need to do so.\n\nChannel 1: Yeah. Coco.\n\nChannel 0: Yep. Perfect. Now, basically, at the end here, sorry, the last couple of things is just showing you the beneficiary update. Pretty straightforward. We spoke about that last time as well.\n\nIt's just to update that and change it to yourself, and that would\n\nChannel 1: Yep.\n\nChannel 0: obviously be a 100% tax free through her.\n\nChannel 1: Yep. Cool. Cool.\n\nChannel 0: Yep.\n\nChannel 1: Alright.\n\nChannel 0: Now the last thing I do want to mention is page 25,\n\nChannel 1: Yeah.\n\nChannel 0: which is just a remuneration. So is it if it is that you are happy to go ahead with this change, there is no additional fees or charges whatsoever. It is all part of the ongoing advice fee, which is that 1.65% from\n\nChannel 1: Yep.\n\nChannel 0: super. That is not changing whatsoever.\n\nChannel 1: Okay. Cool.\n\nChannel 0: Yep.\n\nChannel 1: Okay.\n\nChannel 0: And then underneath that, you will just see your tal insurance outline. Again, though, it is tal paying us for those insurances. It is not you. But for compliance purposes, we have to disclose everything so you are fully aware, and that's just 22% of the premium. Again, it's help paying up, though.\n\nChannel 1: Yep. Not a\n\nChannel 0: Yep.\n\nChannel 1: worries.\n\nChannel 0: Any questions with any of that?\n\nChannel 1: No. It's all pretty straightforward.\n\nChannel 0: Not. Yeah. Perfect. So, essentially, from here, Thomas, if you would like to go ahead and make the change, what I'll need you to do is just to sign that document. That will then\n\nChannel 1: Yep.\n\nChannel 0: come through to me, and I will let the team know, and we can go ahead and make this change for you.\n\nChannel 1: Too lazy. I'll get it done right now.\n\nChannel 0: Perfect. And while you are doing it, I do wanna let you know as well that in that email, before you click on the link, so if you do wanna go back later, you will see a couple of attachments. They are all just the supporting documents. So about your HUB 24, there's a product disclosure statement about the SMA. Again, if you wanna have a bit of a read over it, all the supporting document is just there for you as well.\n\nChannel 1: Yep.\n\nChannel 0: And on the SMS you are signing, you will also see the ongoing service agreement, which is, again, just to obviously say that you're happy to stay on board as a client. But as you would know, you know, it's not a locking contract at all. So if at any point\n\nChannel 1: Yep.\n\nChannel 0: in time you are not happy, there is no locking contract.\n\nChannel 1: No worries.\n\nChannel 0: Yep. Perfect. And let me know if that came through okay, and I can try to update it and see if that'll come through. Sometimes it is a little bit slow, and then I can let the team know that we can go ahead and make this change for you.\n\nChannel 1: Yep. No worries. Well, it's just loading now, so you should see it shortly.\n\nChannel 0: Great. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: Now do you have any other questions for me, Thomas, before I let you go otherwise?\n\nChannel 1: No. No. No. It's all fairly\n\nChannel 0: No.\n\nChannel 1: straightforward.\n\nChannel 0: Yep. Perfect. Well, I hope you enjoy\n\nChannel 1: Yeah.\n\nChannel 0: the\n\nChannel 1: Sure.\n\nChannel 0: rest of your day, and I look forward to speaking with you soon again.\n\nChannel 1: No worries. You too. Thank you.\n\nChannel 0: No worries. Thanks,\n\nChannel 1: Bye\n\nChannel 0: Thomas.\n\nChannel 1: bye. Cheers. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.48,"end":0.98,"sentiment":"neutral","sentiment_score":0.0396156832575798}],"sentiment":"neutral","sentiment_score":0.0396156832575798,"channel":1,"num_words":1,"start":0.48,"end":0.98},{"sentences":[{"text":"Good morning.","start":1.5999999,"end":2.08,"sentiment":"neutral","sentiment_score":0.27572648227214813}],"sentiment":"neutral","sentiment_score":0.27572648227214813,"channel":0,"num_words":2,"start":1.5999999,"end":2.08},{"sentences":[{"text":"Hello?","start":1.92,"end":2.42,"sentiment":"neutral","sentiment_score":0.08065931499004364}],"sentiment":"neutral","sentiment_score":0.08065931499004364,"channel":1,"num_words":1,"start":1.92,"end":2.42},{"sentences":[{"text":"Is this Thomas?","start":2.08,"end":2.98,"sentiment":"neutral","sentiment_score":0.07023429125547409}],"sentiment":"neutral","sentiment_score":0.07023429125547409,"channel":0,"num_words":3,"start":2.08,"end":2.98},{"sentences":[{"text":"Yep.","start":3.36,"end":3.76,"sentiment":"neutral","sentiment_score":0.10940079391002656},{"text":"Here we go.","start":3.76,"end":4.58,"sentiment":"neutral","sentiment_score":0.1682461847861608}],"sentiment":"neutral","sentiment_score":0.15353483706712723,"channel":1,"num_words":4,"start":3.36,"end":4.58},{"sentences":[{"text":"This is Veronica from Oakview Financial.","start":4.72,"end":6.8999996,"sentiment":"neutral","sentiment_score":0.19606253753105798},{"text":"How are you?","start":7.04,"end":7.8599997,"sentiment":"neutral","sentiment_score":0.1929039110740026}],"sentiment":"neutral","sentiment_score":0.19500966204537284,"channel":0,"num_words":9,"start":4.72,"end":7.8599997},{"sentences":[{"text":"I'm good.","start":7.8399997,"end":8.4,"sentiment":"positive","sentiment_score":0.5299659818410873},{"text":"Thanks.","start":8.4,"end":8.72,"sentiment":"positive","sentiment_score":0.6048072576522827},{"text":"Yourself?","start":8.72,"end":9.22,"sentiment":"neutral","sentiment_score":0.31496644020080566}],"sentiment":"positive","sentiment_score":0.49492641538381577,"channel":1,"num_words":4,"start":7.8399997,"end":9.22},{"sentences":[{"text":"Yeah.","start":9.5199995,"end":9.76,"sentiment":"positive","sentiment_score":0.3591157793998718},{"text":"I'm good.","start":9.76,"end":10.48,"sentiment":"positive","sentiment_score":0.516072228550911},{"text":"Thanks.","start":10.48,"end":10.98,"sentiment":"positive","sentiment_score":0.6727689504623413},{"text":"I just had you booked in to go over the strategy recommendations quickly with you after our last conversation.","start":12.0,"end":18.715,"sentiment":"positive","sentiment_score":0.3700004384705895},{"text":"Is now still","start":18.935001,"end":19.575,"sentiment":"neutral","sentiment_score":0.14877922336260477}],"sentiment":"positive","sentiment_score":0.3669375072305019,"channel":0,"num_words":26,"start":9.5199995,"end":19.575},{"sentences":[{"text":"Yeah.","start":19.455,"end":19.955,"sentiment":"neutral","sentiment_score":0.23167523741722107}],"sentiment":"neutral","sentiment_score":0.23167523741722107,"channel":1,"num_words":1,"start":19.455,"end":19.955},{"sentences":[{"text":"a good time?","start":19.575,"end":20.315,"sentiment":"neutral","sentiment_score":0.3093514641125997}],"sentiment":"neutral","sentiment_score":0.3093514641125997,"channel":0,"num_words":3,"start":19.575,"end":20.315},{"sentences":[{"text":"Yeah.","start":20.494999,"end":20.735,"sentiment":"neutral","sentiment_score":0.1436893790960312},{"text":"Yeah.","start":20.735,"end":20.895,"sentiment":"neutral","sentiment_score":0.15902119874954224},{"text":"100%.","start":20.895,"end":21.535,"sentiment":"neutral","sentiment_score":0.17447616159915924}],"sentiment":"neutral","sentiment_score":0.15906224648157755,"channel":1,"num_words":3,"start":20.494999,"end":21.535},{"sentences":[{"text":"Yeah.","start":21.335,"end":21.835,"sentiment":"neutral","sentiment_score":0.13012415170669556}],"sentiment":"neutral","sentiment_score":0.13012415170669556,"channel":0,"num_words":1,"start":21.335,"end":21.835},{"sentences":[{"text":"Yep.","start":21.535,"end":22.035,"sentiment":"neutral","sentiment_score":0.1517520695924759}],"sentiment":"neutral","sentiment_score":0.1517520695924759,"channel":1,"num_words":1,"start":21.535,"end":22.035},{"sentences":[{"text":"Alright.","start":21.895,"end":22.395,"sentiment":"neutral","sentiment_score":0.23906460404396057},{"text":"Perfect.","start":22.455,"end":22.955,"sentiment":"positive","sentiment_score":0.38128483295440674},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":23.335,"end":30.315,"sentiment":"neutral","sentiment_score":0.03643166582132208}],"sentiment":"neutral","sentiment_score":0.05409250792957122,"channel":0,"num_words":31,"start":21.895,"end":30.315},{"sentences":[{"text":"Yeah.","start":30.619999,"end":30.859999,"sentiment":"neutral","sentiment_score":0.07682467997074127},{"text":"That's fine.","start":30.859999,"end":31.34,"sentiment":"neutral","sentiment_score":0.08556576818227768},{"text":"I can barely hear you.","start":31.34,"end":32.219997,"sentiment":"neutral","sentiment_score":-0.14610303640365602},{"text":"Can you possibly speak into the market a bit more?","start":32.219997,"end":34.399998,"sentiment":"neutral","sentiment_score":-0.057513228058815}],"sentiment":"neutral","sentiment_score":-0.05876062479284075,"channel":1,"num_words":18,"start":30.619999,"end":34.399998},{"sentences":[{"text":"Let me see.","start":35.54,"end":36.18,"sentiment":"neutral","sentiment_score":-0.022145061443249386}],"sentiment":"neutral","sentiment_score":-0.022145061443249386,"channel":0,"num_words":3,"start":35.54,"end":36.18},{"sentences":[{"text":"Oh,","start":35.899998,"end":36.3,"sentiment":"neutral","sentiment_score":-0.010837307199835776}],"sentiment":"neutral","sentiment_score":-0.010837307199835776,"channel":1,"num_words":1,"start":35.899998,"end":36.3},{"sentences":[{"text":"I","start":36.18,"end":36.34,"sentiment":"neutral","sentiment_score":-0.01569056510925293}],"sentiment":"neutral","sentiment_score":-0.01569056510925293,"channel":0,"num_words":1,"start":36.18,"end":36.34},{"sentences":[{"text":"okay.","start":36.3,"end":36.8,"sentiment":"neutral","sentiment_score":0.013409599661827087}],"sentiment":"neutral","sentiment_score":0.013409599661827087,"channel":1,"num_words":1,"start":36.3,"end":36.8},{"sentences":[{"text":"do have one of those headsets that the mic is right next to my mouth, but I'll see if I can turn it up a little bit.","start":36.34,"end":42.52,"sentiment":"neutral","sentiment_score":0.006372157622266699},{"text":"Is that any better?","start":46.184998,"end":47.324997,"sentiment":"neutral","sentiment_score":0.007128516677767038}],"sentiment":"neutral","sentiment_score":0.0064697523391054525,"channel":0,"num_words":31,"start":36.34,"end":47.324997},{"sentences":[{"text":"Yeah.","start":47.475,"end":47.715,"sentiment":"neutral","sentiment_score":0.053340546786785126},{"text":"That's a bit better now.","start":47.715,"end":48.835,"sentiment":"neutral","sentiment_score":0.11598064005374908}],"sentiment":"neutral","sentiment_score":0.1055406245092551,"channel":1,"num_words":6,"start":47.475,"end":48.835},{"sentences":[{"text":"Yep.","start":48.824997,"end":49.225,"sentiment":"neutral","sentiment_score":0.06839333474636078}],"sentiment":"neutral","sentiment_score":0.06839333474636078,"channel":0,"num_words":1,"start":48.824997,"end":49.225},{"sentences":[{"text":"Yeah.","start":48.835,"end":49.335,"sentiment":"neutral","sentiment_score":0.0797252282500267}],"sentiment":"neutral","sentiment_score":0.0797252282500267,"channel":1,"num_words":1,"start":48.835,"end":49.335},{"sentences":[{"text":"Okay.","start":49.225,"end":49.725,"sentiment":"neutral","sentiment_score":0.1076643317937851},{"text":"Perfect.","start":49.785,"end":50.285,"sentiment":"neutral","sentiment_score":0.18578186631202695},{"text":"And as well, Thomas, just need to","start":52.585,"end":56.370003,"sentiment":"neutral","sentiment_score":0.06912452142153468}],"sentiment":"neutral","sentiment_score":0.08636864978406164,"channel":0,"num_words":9,"start":49.225,"end":56.370003},{"sentences":[{"text":"Thank","start":56.16,"end":56.66,"sentiment":"neutral","sentiment_score":0.10514697432518004}],"sentiment":"neutral","sentiment_score":0.10514697432518004,"channel":1,"num_words":1,"start":56.16,"end":56.66},{"sentences":[{"text":"confirm that I'm speaking with the right person.","start":56.83,"end":58.77,"sentiment":"neutral","sentiment_score":0.11481525003910065},{"text":"So","start":58.83,"end":59.15,"sentiment":"neutral","sentiment_score":0.05846022814512253}],"sentiment":"neutral","sentiment_score":0.10855358093976974,"channel":0,"num_words":9,"start":56.83,"end":59.15},{"sentences":[{"text":"you.","start":58.84,"end":59.34,"sentiment":"neutral","sentiment_score":0.054134320467710495}],"sentiment":"neutral","sentiment_score":0.054134320467710495,"channel":1,"num_words":1,"start":58.84,"end":59.34},{"sentences":[{"text":"just your full name, date of birth, and address, please.","start":59.15,"end":61.57,"sentiment":"neutral","sentiment_score":0.0605150830000639}],"sentiment":"neutral","sentiment_score":0.0605150830000639,"channel":0,"num_words":10,"start":59.15,"end":61.57},{"sentences":[{"text":"Yep.","start":61.52,"end":62.0,"sentiment":"neutral","sentiment_score":0.03153594583272934},{"text":"So 3392.","start":62.0,"end":63.36,"sentiment":"neutral","sentiment_score":0.023045995272696018},{"text":"Address is 23 Eagle Circuit, Campbell.","start":63.36,"end":66.020004,"sentiment":"neutral","sentiment_score":0.028545810530583065}],"sentiment":"neutral","sentiment_score":0.027655866617957752,"channel":1,"num_words":9,"start":61.52,"end":66.020004},{"sentences":[{"text":"Yep.","start":66.51,"end":67.01,"sentiment":"neutral","sentiment_score":0.04906662926077843},{"text":"Just full name as well.","start":68.045,"end":69.345,"sentiment":"neutral","sentiment_score":0.056698591262102124}],"sentiment":"neutral","sentiment_score":0.055426597595214844,"channel":0,"num_words":6,"start":66.51,"end":69.345},{"sentences":[{"text":"Thomas Trevor Draper.","start":70.09499,"end":71.314995,"sentiment":"neutral","sentiment_score":0.027390650163094204}],"sentiment":"neutral","sentiment_score":0.027390650163094204,"channel":1,"num_words":3,"start":70.09499,"end":71.314995},{"sentences":[{"text":"Yep.","start":71.565,"end":71.965004,"sentiment":"neutral","sentiment_score":0.0837826058268547},{"text":"Great.","start":71.965004,"end":72.285,"sentiment":"positive","sentiment_score":0.42306098341941833},{"text":"Perfect.","start":72.285,"end":72.785,"sentiment":"positive","sentiment_score":0.36949875950813293},{"text":"Now I have to send you an email with the documents.","start":73.645004,"end":77.105,"sentiment":"neutral","sentiment_score":0.09493883970108899},{"text":"Do you have access to your emails at the moment?","start":77.245,"end":80.065,"sentiment":"neutral","sentiment_score":0.029091747663915157}],"sentiment":"neutral","sentiment_score":0.09214946092106402,"channel":0,"num_words":24,"start":71.565,"end":80.065},{"sentences":[{"text":"Yes.","start":80.53001,"end":80.850006,"sentiment":"neutral","sentiment_score":0.031617939472198486},{"text":"I'm just looking at it at the moment.","start":80.850006,"end":82.39001,"sentiment":"neutral","sentiment_score":0.030710875988006592}],"sentiment":"neutral","sentiment_score":0.030811660819583468,"channel":1,"num_words":9,"start":80.53001,"end":82.39001},{"sentences":[{"text":"Oh, sweet.","start":83.07,"end":83.65,"sentiment":"neutral","sentiment_score":0.09462010115385056},{"text":"Now if you can open that, can you see the actual statement of advice?","start":84.509995,"end":88.35,"sentiment":"neutral","sentiment_score":0.04018448160162994},{"text":"Like, if you click on the 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then underneath that, you will just see your tal insurance outline.","start":689.365,"end":692.665,"sentiment":"neutral","sentiment_score":0.0836068553229173},{"text":"Again, though, it is tal paying us for those insurances.","start":693.20496,"end":696.26495,"sentiment":"neutral","sentiment_score":-0.03502644002437592},{"text":"It is not you.","start":697.045,"end":697.925,"sentiment":"neutral","sentiment_score":-0.05245067086070776},{"text":"But for compliance purposes, we have to disclose everything so you are fully aware, and that's just 22% of the premium.","start":697.925,"end":704.96,"sentiment":"neutral","sentiment_score":-0.006131262147045206},{"text":"Again, it's help paying up, though.","start":704.96,"end":706.66,"sentiment":"neutral","sentiment_score":0.07944491567711036}],"sentiment":"neutral","sentiment_score":0.014926946587983589,"channel":0,"num_words":53,"start":689.365,"end":706.66},{"sentences":[{"text":"Yep.","start":706.56,"end":706.96,"sentiment":"neutral","sentiment_score":0.06832560151815414},{"text":"Not a","start":706.96,"end":707.27997,"sentiment":"neutral","sentiment_score":0.04941787011921406}],"sentiment":"neutral","sentiment_score":0.055720447252194084,"channel":1,"num_words":3,"start":706.56,"end":707.27997},{"sentences":[{"text":"Yep.","start":707.2,"end":707.68,"sentiment":"neutral","sentiment_score":0.020531199872493744}],"sentiment":"neutral","sentiment_score":0.020531199872493744,"channel":0,"num_words":1,"start":707.2,"end":707.68},{"sentences":[{"text":"worries.","start":707.27997,"end":707.77997,"sentiment":"neutral","sentiment_score":0.02094131335616112}],"sentiment":"neutral","sentiment_score":0.02094131335616112,"channel":1,"num_words":1,"start":707.27997,"end":707.77997},{"sentences":[{"text":"Any questions with any of that?","start":707.68,"end":709.62,"sentiment":"neutral","sentiment_score":0.014488225492338339}],"sentiment":"neutral","sentiment_score":0.014488225492338339,"channel":0,"num_words":6,"start":707.68,"end":709.62},{"sentences":[{"text":"No.","start":709.44,"end":709.68,"sentiment":"neutral","sentiment_score":0.03257376700639725},{"text":"It's all pretty straightforward.","start":709.68,"end":710.74,"sentiment":"neutral","sentiment_score":0.07080469839274883}],"sentiment":"neutral","sentiment_score":0.06315851211547852,"channel":1,"num_words":5,"start":709.44,"end":710.74},{"sentences":[{"text":"Not.","start":710.64,"end":711.135,"sentiment":"neutral","sentiment_score":0.033307790756225586},{"text":"Yeah.","start":711.295,"end":711.615,"sentiment":"neutral","sentiment_score":0.16921204328536987},{"text":"Perfect.","start":711.615,"end":712.115,"sentiment":"positive","sentiment_score":0.3616921901702881},{"text":"So, essentially, from here, Thomas, if you would like to go ahead and make the change, what I'll need you to do is just to sign that document.","start":712.255,"end":719.47504,"sentiment":"neutral","sentiment_score":0.1873649555657591},{"text":"That will then","start":719.53503,"end":720.335,"sentiment":"neutral","sentiment_score":0.17553801337877908}],"sentiment":"neutral","sentiment_score":0.1863836711820434,"channel":0,"num_words":34,"start":710.64,"end":720.335},{"sentences":[{"text":"Yep.","start":720.065,"end":720.565,"sentiment":"neutral","sentiment_score":0.1975533962249756}],"sentiment":"neutral","sentiment_score":0.1975533962249756,"channel":1,"num_words":1,"start":720.065,"end":720.565},{"sentences":[{"text":"come through to me, and I will let the team know, and we can go ahead and make this change for you.","start":720.335,"end":726.115,"sentiment":"neutral","sentiment_score":0.2925801466811787}],"sentiment":"neutral","sentiment_score":0.2925801466811787,"channel":0,"num_words":22,"start":720.335,"end":726.115},{"sentences":[{"text":"Too lazy.","start":727.35004,"end":727.99005,"sentiment":"negative","sentiment_score":-0.4153301566839218},{"text":"I'll get it done right now.","start":727.99005,"end":729.61005,"sentiment":"neutral","sentiment_score":-0.07895077702899773}],"sentiment":"neutral","sentiment_score":-0.16304562194272876,"channel":1,"num_words":8,"start":727.35004,"end":729.61005},{"sentences":[{"text":"Perfect.","start":730.07,"end":730.57,"sentiment":"positive","sentiment_score":0.4279206395149231},{"text":"And while you are doing it, I do wanna let you know as well that in that email, before you click on the link, so if you do wanna go back later, you will see a couple of attachments.","start":730.87,"end":739.37,"sentiment":"neutral","sentiment_score":0.14329401881266862},{"text":"They are all just the supporting documents.","start":739.895,"end":742.075,"sentiment":"neutral","sentiment_score":0.0787811673113278},{"text":"So about your HUB 24, there's a product disclosure statement about the SMA.","start":742.295,"end":747.335,"sentiment":"neutral","sentiment_score":0.073852150199505},{"text":"Again, if you wanna have a bit of a read over it, all the supporting document is just there for you as well.","start":747.335,"end":752.955,"sentiment":"neutral","sentiment_score":0.12780553847551346}],"sentiment":"neutral","sentiment_score":0.12611398652914058,"channel":0,"num_words":83,"start":730.07,"end":752.955},{"sentences":[{"text":"Yep.","start":753.87,"end":754.37,"sentiment":"neutral","sentiment_score":0.07970684766769409}],"sentiment":"neutral","sentiment_score":0.07970684766769409,"channel":1,"num_words":1,"start":753.87,"end":754.37},{"sentences":[{"text":"And on the SMS you are signing, you will also see the ongoing service agreement, which is, again, just to obviously say that you're happy to stay on board as a client.","start":757.05,"end":765.55,"sentiment":"neutral","sentiment_score":0.16890996554866433},{"text":"But as you would know, you know, it's not a locking contract at all.","start":765.85,"end":769.265,"sentiment":"neutral","sentiment_score":-0.04464554347630058},{"text":"So if at any point","start":769.265,"end":770.065,"sentiment":"neutral","sentiment_score":-0.059048017114400865}],"sentiment":"neutral","sentiment_score":0.08793806281013816,"channel":0,"num_words":51,"start":757.05,"end":770.065},{"sentences":[{"text":"Yep.","start":769.90497,"end":770.40497,"sentiment":"neutral","sentiment_score":-0.07804914563894272}],"sentiment":"neutral","sentiment_score":-0.07804914563894272,"channel":1,"num_words":1,"start":769.90497,"end":770.40497},{"sentences":[{"text":"in time you are not happy, there is no locking contract.","start":770.065,"end":772.405,"sentiment":"neutral","sentiment_score":-0.11607421189546585}],"sentiment":"neutral","sentiment_score":-0.11607421189546585,"channel":0,"num_words":11,"start":770.065,"end":772.405},{"sentences":[{"text":"No worries.","start":773.425,"end":774.165,"sentiment":"neutral","sentiment_score":0.01810162514448166}],"sentiment":"neutral","sentiment_score":0.01810162514448166,"channel":1,"num_words":2,"start":773.425,"end":774.165},{"sentences":[{"text":"Yep.","start":773.665,"end":774.165,"sentiment":"neutral","sentiment_score":-0.015274858102202415},{"text":"Perfect.","start":775.025,"end":775.525,"sentiment":"neutral","sentiment_score":0.2564229965209961},{"text":"And let me know if that came through okay, and I can try to update it and see if that'll come through.","start":776.385,"end":783.71,"sentiment":"neutral","sentiment_score":0.18765713206746362},{"text":"Sometimes it is a little bit slow, and then I can let the team know that we can go ahead and make this change for you.","start":783.71,"end":788.93,"sentiment":"neutral","sentiment_score":0.07098717514712077}],"sentiment":"neutral","sentiment_score":0.12430543195456266,"channel":0,"num_words":50,"start":773.665,"end":788.93},{"sentences":[{"text":"Yep.","start":788.60004,"end":788.92004,"sentiment":"neutral","sentiment_score":0.10230569541454317},{"text":"No worries.","start":788.92004,"end":789.4,"sentiment":"neutral","sentiment_score":0.1306144893169403},{"text":"Well, it's just loading now, so you should see it shortly.","start":789.4,"end":791.9,"sentiment":"neutral","sentiment_score":0.25650259581479157}],"sentiment":"neutral","sentiment_score":0.2275045162865094,"channel":1,"num_words":14,"start":788.60004,"end":791.9},{"sentences":[{"text":"Great.","start":792.43,"end":792.91003,"sentiment":"positive","sentiment_score":0.6159957647323608},{"text":"Perfect.","start":792.91003,"end":793.41003,"sentiment":"positive","sentiment_score":0.5316966772079468}],"sentiment":"positive","sentiment_score":0.5738462209701538,"channel":0,"num_words":2,"start":792.43,"end":793.41003},{"sentences":[{"text":"Yep.","start":793.4,"end":793.9,"sentiment":"neutral","sentiment_score":0.28949910402297974}],"sentiment":"neutral","sentiment_score":0.28949910402297974,"channel":1,"num_words":1,"start":793.4,"end":793.9},{"sentences":[{"text":"Now do you have any other questions for me, Thomas, before I let you go otherwise?","start":793.63,"end":797.685,"sentiment":"neutral","sentiment_score":0.11355550470761955}],"sentiment":"neutral","sentiment_score":0.11355550470761955,"channel":0,"num_words":16,"start":793.63,"end":797.685},{"sentences":[{"text":"No.","start":797.795,"end":797.955,"sentiment":"neutral","sentiment_score":-0.10958068072795868},{"text":"No.","start":797.955,"end":798.115,"sentiment":"neutral","sentiment_score":-0.11713248491287231},{"text":"No.","start":798.115,"end":798.275,"sentiment":"neutral","sentiment_score":-0.06143387779593468},{"text":"It's all fairly","start":798.275,"end":798.915,"sentiment":"neutral","sentiment_score":0.05241193622350693}],"sentiment":"neutral","sentiment_score":-0.02181853912770748,"channel":1,"num_words":6,"start":797.795,"end":798.915},{"sentences":[{"text":"No.","start":798.805,"end":799.305,"sentiment":"neutral","sentiment_score":-0.040606483817100525}],"sentiment":"neutral","sentiment_score":-0.040606483817100525,"channel":0,"num_words":1,"start":798.805,"end":799.305},{"sentences":[{"text":"straightforward.","start":798.915,"end":799.415,"sentiment":"neutral","sentiment_score":-0.0015443451702594757}],"sentiment":"neutral","sentiment_score":-0.0015443451702594757,"channel":1,"num_words":1,"start":798.915,"end":799.415},{"sentences":[{"text":"Yep.","start":799.765,"end":800.165,"sentiment":"neutral","sentiment_score":0.1429702788591385},{"text":"Perfect.","start":800.165,"end":800.485,"sentiment":"positive","sentiment_score":0.6816723346710205},{"text":"Well, I hope you enjoy","start":800.485,"end":801.525,"sentiment":"positive","sentiment_score":0.6575905323028565}],"sentiment":"positive","sentiment_score":0.5875136107206345,"channel":0,"num_words":7,"start":799.765,"end":801.525},{"sentences":[{"text":"Yeah.","start":801.395,"end":801.635,"sentiment":"neutral","sentiment_score":0.30502188205718994}],"sentiment":"neutral","sentiment_score":0.30502188205718994,"channel":1,"num_words":1,"start":801.395,"end":801.635},{"sentences":[{"text":"the","start":801.525,"end":801.685,"sentiment":"positive","sentiment_score":0.5058926939964294}],"sentiment":"positive","sentiment_score":0.5058926939964294,"channel":0,"num_words":1,"start":801.525,"end":801.685},{"sentences":[{"text":"Sure.","start":801.635,"end":802.135,"sentiment":"neutral","sentiment_score":0.3268013596534729}],"sentiment":"neutral","sentiment_score":0.3268013596534729,"channel":1,"num_words":1,"start":801.635,"end":802.135},{"sentences":[{"text":"rest of your day, and I look forward to speaking with you soon again.","start":801.685,"end":804.505,"sentiment":"positive","sentiment_score":0.6831520540373666}],"sentiment":"positive","sentiment_score":0.6831520540373666,"channel":0,"num_words":14,"start":801.685,"end":804.505},{"sentences":[{"text":"No worries.","start":804.59503,"end":804.995,"sentiment":"neutral","sentiment_score":0.3323628455400467},{"text":"You too.","start":804.995,"end":805.475,"sentiment":"positive","sentiment_score":0.43161411583423615},{"text":"Thank you.","start":805.475,"end":806.215,"sentiment":"positive","sentiment_score":0.7035665214061737}],"sentiment":"positive","sentiment_score":0.48918116092681885,"channel":1,"num_words":6,"start":804.59503,"end":806.215},{"sentences":[{"text":"No worries.","start":806.005,"end":806.485,"sentiment":"neutral","sentiment_score":0.2913663014769554},{"text":"Thanks,","start":806.485,"end":806.885,"sentiment":"positive","sentiment_score":0.5644770860671997}],"sentiment":"positive","sentiment_score":0.3824032296737035,"channel":0,"num_words":3,"start":806.005,"end":806.885},{"sentences":[{"text":"Bye","start":806.675,"end":806.915,"sentiment":"positive","sentiment_score":0.3706010580062866}],"sentiment":"positive","sentiment_score":0.3706010580062866,"channel":1,"num_words":1,"start":806.675,"end":806.915},{"sentences":[{"text":"Thomas.","start":806.885,"end":807.385,"sentiment":"positive","sentiment_score":0.4915235638618469}],"sentiment":"positive","sentiment_score":0.4915235638618469,"channel":0,"num_words":1,"start":806.885,"end":807.385},{"sentences":[{"text":"bye.","start":806.915,"end":807.155,"sentiment":"positive","sentiment_score":0.3421400487422943},{"text":"Cheers.","start":807.155,"end":807.555,"sentiment":"positive","sentiment_score":0.5486834049224854},{"text":"Bye.","start":807.555,"end":808.055,"sentiment":"neutral","sentiment_score":0.28392693400382996}],"sentiment":"positive","sentiment_score":0.3915834625562032,"channel":1,"num_words":3,"start":806.915,"end":808.055},{"sentences":[{"text":"Bye.","start":808.005,"end":808.505,"sentiment":"neutral","sentiment_score":-0.12017497420310974}],"sentiment":"neutral","sentiment_score":-0.12017497420310974,"channel":0,"num_words":1,"start":808.005,"end":808.505}]},"summary":{"result":"success","short":"Representatives from Oakview Financial speak with Thomas to discuss their financial strategy recommendations and recommend switching to cheaper products and reducing risk. They highlight the benefits of switching to the SMA product and explain investment fees and return. The speaker also emphasizes the benefits of the product and provides information on investment fees and return. The customer is advised to make changes to their risk profile and receive a reminder after the call. The ongoing service agreement and future changes to insurance coverage are also discussed."},"intents":{"segments":[{"text":"Now on the second page, you will see best interest duty outlined. Just making sure that we always take your best interest at heart when we are making any recommendations at all, and the advice itself has to put you in a better position as a result Yep. of the advice. Otherwise, we cannot actually make the recommendation. Does that make sense?","start_word":420,"end_word":481,"intents":[{"intent":"Create and make recommendations","confidence_score":0.000007974461}]},{"text":"subscriptions I to emails that you don't want. So I just sort of got out of hand. So Yes.","start_word":709,"end_word":727,"intents":[{"intent":"Refine subscriptions","confidence_score":0.000046899153},{"intent":"Update subscriptions","confidence_score":0.6828215}]},{"text":"Next is just a little bit about your risk profile. So, again, we are not making any changes to your risk profile. We are keeping you in the high growth portfolio. You were quite comfortable with that. You have plenty of time until retirement, and the focus is you're trying to maximize that growth as much as possible. Yeah. Cool.","start_word":872,"end_word":931,"intents":[{"intent":"Explain risk profile","confidence_score":0.0073721725},{"intent":"Explain current portfolio","confidence_score":0.000041790867}]},{"text":"sometimes a little bit easier because it'll actually show you a a projection table. It shows you all the numbers and stuff because sometimes it's a bit easier to see it that way. Yep.","start_word":953,"end_word":986,"intents":[{"intent":"Go through projection table","confidence_score":0.012276503}]},{"text":"Can you see that okay? Yep.","start_word":987,"end_word":992,"intents":[{"intent":"Confirm understanding","confidence_score":0.010312355}]},{"text":"So I did do research on the SMA and then also other portfolios to see if the SMA was going to be appropriate for you, put you in a better position, or if other options were better.","start_word":998,"end_word":1034,"intents":[{"intent":"Explain portfolio options","confidence_score":0.052217603}]},{"text":"I have recommended that we switch you to the SMA, and that is still within Hub 24. It is on a different product offering, so it would just be a menu switch. Essentially, Okay. for Yep. you, it doesn't change anything aside from the fact that you are not paying as much in administration fee because it's it is on a slightly cheaper product offering. Okay.","start_word":1057,"end_word":1122,"intents":[{"intent":"Discuss sma alternatives","confidence_score":0.000036231806}]},{"text":"But you'll see they're both high growth portfolios, so there is a difference as well in their portfolio return.","start_word":1399,"end_word":1417,"intents":[{"intent":"Compare portfolio returns","confidence_score":0.062833376}]},{"text":"Now, basically, at the end here, sorry, the last couple of things is just showing you the beneficiary update. Pretty straightforward. We spoke about that last time as well. It's just to update that and change it to yourself, and that would Yep. obviously be a 100% tax free through her. Yep.","start_word":1995,"end_word":2046,"intents":[{"intent":"Update and update beneficiary update","confidence_score":0.022495102},{"intent":"Update beneficiary update","confidence_score":0.17876165}]},{"text":"which is just a remuneration. So is it if it is that you are happy to go ahead with this change, there is no additional fees or charges whatsoever. It is all part of the ongoing advice fee, which is that 1.65% from Yep. super. That is not changing whatsoever. Okay.","start_word":2064,"end_word":2114,"intents":[{"intent":"Remunerate owner with fee","confidence_score":2.4330117e-7}]},{"text":"Again, it's help paying up, though. Yep.","start_word":2165,"end_word":2171,"intents":[{"intent":"Help pay up","confidence_score":0.0007919048}]},{"text":"So, essentially, from here, Thomas, if you would like to go ahead and make the change, what I'll need you to do is just to sign that document. That will then Yep.","start_word":2190,"end_word":2221,"intents":[{"intent":"Verify document","confidence_score":0.00019794234}]},{"text":"So, essentially, from here, Thomas, if you would like to go ahead and make the change, what I'll need you to do is just to sign that document. That will then Yep. come through to me, and I will let the team know, and we can go ahead and make this change for you.","start_word":2190,"end_word":2243,"intents":[{"intent":"Update document and update contract","confidence_score":4.4905784e-7}]},{"text":"So, essentially, from here, Thomas, if you would like to go ahead and make the change, what I'll need you to do is just to sign that document. That will then Yep. come through to me, and I will let the team know, and we can go ahead and make this change for you. Too lazy.","start_word":2190,"end_word":2245,"intents":[{"intent":"Make change","confidence_score":0.89633524}]},{"text":"Now do you have any other questions for me, Thomas, before I let you go otherwise? No.","start_word":2468,"end_word":2484,"intents":[{"intent":"Help with other questions","confidence_score":0.00011445}]}]},"sentiments":{"segments":[{"text":"Hello? Good morning. Hello? Is this Thomas? Yep. Here we go. This is Veronica from Oakview Financial. How are you?","start_word":0,"end_word":19,"sentiment":"neutral","sentiment_score":0.15379801392555237},{"text":"I'm good. Thanks.","start_word":20,"end_word":22,"sentiment":"positive","sentiment_score":0.5463979244232178},{"text":"Yourself?","start_word":23,"end_word":23,"sentiment":"neutral","sentiment_score":0.31496644020080566},{"text":"Yeah. I'm good. Thanks. I just had you booked in to go over the strategy recommendations quickly with you after our last conversation.","start_word":24,"end_word":46,"sentiment":"positive","sentiment_score":0.4102189838886261},{"text":"Is now still Yeah. a good time? Yeah. Yeah. 100%. Yeah. Yep. Alright.","start_word":47,"end_word":59,"sentiment":"neutral","sentiment_score":0.20093674957752228},{"text":"Perfect.","start_word":60,"end_word":60,"sentiment":"positive","sentiment_score":0.38128483295440674},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yeah. That's fine. I can barely hear you. Can you possibly speak into the market a bit more? Let me see. Oh, I okay. do have one of those headsets that the mic is right next to my mouth, but I'll see if I can turn it up a little bit. Is that any better? Yeah. That's a bit better now. Yep. Yeah. Okay. Perfect. And as well, Thomas, just need to Thank confirm that I'm speaking with the right person. So you. just your full name, date of birth, and address, please. Yep. So 3392. Address is 23 Eagle Circuit, Campbell. Yep. Just full name as well. Thomas Trevor Draper. Yep.","start_word":61,"end_word":201,"sentiment":"neutral","sentiment_score":0.03496534377336502},{"text":"Great. Perfect.","start_word":202,"end_word":203,"sentiment":"positive","sentiment_score":0.3962798714637756},{"text":"Now I have to send you an email with the documents. Do you have access to your emails at the moment? Yes. I'm just looking at it at the moment. Oh, sweet. Now if you can open that, can you see the actual statement of advice? Like, if you click on the link? Yep. Yep. Yep. I'm just writing it now.","start_word":204,"end_word":264,"sentiment":"neutral","sentiment_score":0.05013792961835861},{"text":"Great. Now it is pretty straightforward today.","start_word":265,"end_word":271,"sentiment":"positive","sentiment_score":0.48591771721839905},{"text":"We've kind of touched on a lot of it last time, so I'll try to keep it as quickly as I can for you. Now every time we do make a recommendation on the financial products and make personalized financial advice, we have to put everything in this statement of advice for you just to make sure you are, you know, across everything and it all makes sense. A lot of it, like I said, is just for compliance purposes just to make sure you understand it. So I'll kinda Yep. keep it as brief as I can for you. Yep. Otherwise, you will see on the cover page that it is prepared just for yourself. You will have my details listed on the cover page as well. So you'll see my authorized representative number there, and then I am licensed under Oakview Financial. Yep. No worries. Yep. Now on the second page, you will see best interest duty outlined. Just making sure that we always take your best interest at heart when we are making any recommendations at all, and the advice itself has to put you in a better position as a result Yep. of the advice. Otherwise, we cannot actually make the recommendation. Does that make sense? Yep. 100%. Yep.","start_word":272,"end_word":484,"sentiment":"neutral","sentiment_score":0.14911798191882075},{"text":"Perfect.","start_word":485,"end_word":485,"sentiment":"positive","sentiment_score":0.5326734781265259},{"text":"Now as you scroll through to page three, you will see scope of the device outlined.","start_word":486,"end_word":501,"sentiment":"neutral","sentiment_score":0.24454009532928467},{"text":"Pretty straightforward today.","start_word":502,"end_word":504,"sentiment":"positive","sentiment_score":0.4745302498340606},{"text":"The only things we are looking at is your superannuation to make sure we can maximize that growth for you, swap out in Yep. the underperforming investment. Have a look at that SMA as well, and then just update your beneficiaries essentially. That is literally all we're doing today. It's pretty Yeah. straightforward. Yeah. Cool. You kind Cool. of remember Cool. all that? Yeah. Yeah. Yep. Yep. Yeah. Yep.","start_word":505,"end_word":573,"sentiment":"neutral","sentiment_score":0.12078315019607544},{"text":"Great. Perfect.","start_word":574,"end_word":575,"sentiment":"positive","sentiment_score":0.4564626514911651},{"text":"Now if you then wanna scroll down to page seven and eight, just a little bit of information about you. If you could just have a quick read over that for me just to make sure that's all up to date or Yeah. if It I looks need to make any changes. Looks no. It looks pretty good. good.","start_word":576,"end_word":634,"sentiment":"neutral","sentiment_score":0.08556205034255981},{"text":"Great.","start_word":635,"end_word":635,"sentiment":"positive","sentiment_score":0.44720885157585144},{"text":"Yep.","start_word":636,"end_word":636,"sentiment":"neutral","sentiment_score":0.26870185136795044},{"text":"Perfect.","start_word":637,"end_word":637,"sentiment":"positive","sentiment_score":0.3486117124557495},{"text":"Just with the email that you've got on there, do you wanna just change that to the email that you just sent this email to? Just my work email? Because Let that's actually me that's actually Yes. my primary now. So just tom_opsgroup@outlook.com.au. Yes. Perfect. Yeah. The other one's more of just a junk one for anything that gets bought online because, you know, you end up with so many Yeah. subscriptions I to emails that you don't want. So I just sort of got out of hand. So Yes. I have that through. It was, like, one day yeah. you set up, you know, years and years ago, and then it just got out of hand, and then you got Yeah. a little bit That more professional. that that's right. You look at it one day and you got 2,100 emails and Yeah. Yes. No. Perfect. I will update that. And we do have, obviously, that as your main one, but I'll just also update like, that too. oh, Just get rid shit. of Yep.","start_word":638,"end_word":813,"sentiment":"neutral","sentiment_score":-0.030050878582352943},{"text":"that Awesome.","start_word":814,"end_word":815,"sentiment":"positive","sentiment_score":0.45139747858047485},{"text":"one. Just to make sure, otherwise, on page nine, you will see, obviously, you'll have 24 outlined there, your current super balance, also your insurances. Now we're not making any changes to your child insurances.","start_word":816,"end_word":850,"sentiment":"neutral","sentiment_score":0.04421508312225342},{"text":"You're quite happy with them.","start_word":851,"end_word":855,"sentiment":"positive","sentiment_score":0.42508062720298767},{"text":"They are quite affordable, so we're not Yep. making any changes there. Yep. Coco. Yep. Perfect. Next is just a little bit about your risk profile. So, again, we are not making any changes to your risk profile. We are keeping you in the high growth portfolio. You were quite comfortable with that. You have plenty of time until retirement, and the focus is you're trying to maximize that growth as much as possible. Yeah. Cool. Yep. Perfect. Now that then takes us through actually, if you wanna scroll down to page 19 for me, it's Yeah. sometimes a little bit easier because it'll actually show you a a projection table. It shows you all the numbers and stuff because sometimes it's a bit easier to see it that way. Yep. Can you see that okay? Yep. Yep. Yep. Got that.","start_word":856,"end_word":996,"sentiment":"neutral","sentiment_score":0.09558292478322984},{"text":"Perfect.","start_word":997,"end_word":997,"sentiment":"positive","sentiment_score":0.37045884132385254},{"text":"So I did do research on the SMA and then also other portfolios to see if the SMA was going to be appropriate for you, put you in a better position, or if other options were better.","start_word":998,"end_word":1034,"sentiment":"neutral","sentiment_score":0.10394542664289474},{"text":"And having a look at everything for you at the moment, the SMA was definitely going to be more competitive. So Yep.","start_word":1035,"end_word":1056,"sentiment":"positive","sentiment_score":0.39799779653549194},{"text":"I have recommended that we switch you to the SMA, and that is still within Hub 24. It is on a different product offering, so it would just be a menu switch. Essentially, Okay. for Yep. you, it doesn't change anything aside from the fact that you are not paying as much in administration fee because it's it is on a slightly cheaper product offering. Okay. The Yeah. the reason why we didn't recommend that in the first place was because the way that your portfolio was constructed, the more expensive product offering gives you access to more investment. Yep.","start_word":1057,"end_word":1156,"sentiment":"neutral","sentiment_score":0.1097828894853592},{"text":"But the good thing on the the cheaper product is that the SMA is available on there. So, I can. therefore, we can switch you now to the cheaper product, and it saves you about a $180 in admin fees, which is great per year.","start_word":1157,"end_word":1201,"sentiment":"positive","sentiment_score":0.4619200825691223},{"text":"Yep.","start_word":1202,"end_word":1202,"sentiment":"neutral","sentiment_score":0.33122071623802185},{"text":"Yeah. Awesome. Yep. Alright. Perfect.","start_word":1203,"end_word":1207,"sentiment":"positive","sentiment_score":0.5167381167411804},{"text":"Now you can also see the investment fee changes.","start_word":1208,"end_word":1216,"sentiment":"neutral","sentiment_score":0.30438610911369324},{"text":"So, again, by switching it through the SMA, still within your high growth portfolio, you can see that the investment fees are of also reduced.","start_word":1217,"end_word":1241,"sentiment":"positive","sentiment_score":0.3470783233642578},{"text":"So, again, Yeah. saving about 379 per year in just investment fees alone.","start_word":1242,"end_word":1254,"sentiment":"neutral","sentiment_score":0.2589257061481476},{"text":"Yeah. Cool. Yep. Perfect.","start_word":1255,"end_word":1258,"sentiment":"positive","sentiment_score":0.4109862446784973},{"text":"Otherwise, there's no changes to the contributions or insurances and anything like that. I do want to point out that if you notice at the top versus the balance difference of 172, that is the capital gains tax that Mhmm. would Yep. come out from your super by making the changes. So we're Okay. trying to obviously limit that as much as possible by having as much crossover with the investments to limit it. And Yep. it's only about that 172, which obviously will you save in just the admin theme alone. But I Yep. do wanna let you know in case you see that. Yeah. And in the grand scheme, the thing is, like, $172 is next to nothing anyway, so that's Exact fine. exactly. Now at the bottom there, you'll also see the five year rolling average. But you'll see they're both high growth portfolios, so there is a difference as well in their portfolio return. Now this is using the five year historical rolling average as Yep. well. And even by doing the switch as well, you can see that the performance has outperformed by about seven point sorry, by 4.07, which, Yep.","start_word":1259,"end_word":1454,"sentiment":"neutral","sentiment_score":0.10668536674763476},{"text":"again, that coupled with the reduced fees will obviously put you in a better position. And the really good thing with the SMA, which we touched on last time, is that it gives us that flexibility of being able to react very quickly if we foresee there's any market changes to then make sure that your investments don't drop or that you don't lose anything, that we can quickly make those changes very quickly in the back end.","start_word":1455,"end_word":1532,"sentiment":"positive","sentiment_score":0.49108850955963135},{"text":"Yeah.","start_word":1533,"end_word":1533,"sentiment":"neutral","sentiment_score":0.2833886444568634},{"text":"Cool.","start_word":1534,"end_word":1534,"sentiment":"positive","sentiment_score":0.39069920778274536},{"text":"Yeah.","start_word":1535,"end_word":1535,"sentiment":"neutral","sentiment_score":0.3217319846153259},{"text":"Perfect.","start_word":1536,"end_word":1536,"sentiment":"positive","sentiment_score":0.4595608115196228},{"text":"Yep. Now on the next page, which is page 20, you can then see this kind of forecasted five and ten years for you, Yep. factoring in, obviously, the fees and the returns and everything like that. And at the bottom there, you will then see a bit more on the return, so including a twelve month, three years, and five years, and you can kind Mhmm. of see again throughout the last twelve, three, and five years, again, the estimate has outperformed your current situation. Yeah.","start_word":1537,"end_word":1623,"sentiment":"neutral","sentiment_score":0.14221082627773285},{"text":"Beautiful.","start_word":1624,"end_word":1624,"sentiment":"positive","sentiment_score":0.3841099739074707},{"text":"Yep.","start_word":1625,"end_word":1625,"sentiment":"neutral","sentiment_score":0.22176939249038696},{"text":"Perfect.","start_word":1626,"end_word":1626,"sentiment":"positive","sentiment_score":0.3558322787284851},{"text":"Now if you then wanna scroll up for me to page 17, it will just show you the change in the investments. If you can Okay. see that. Yep. Now like I said as well, because you're invested in the SMA, at the moment here, you will just see that 50% in the catalyst estimate, 50% in the bloom. The reason for the split is to put you in that high growth portfolio, which is on the next page, page 18. You can then Yep. see the asset allocation outlined. So you Yeah. can see Okay. your growth, your existing, and the proposed. But we wanna keep you as close to that ninety ten as we can. So doing a fifty fifty into the SMA will give you really close to that. Yep. Yeah.","start_word":1627,"end_word":1760,"sentiment":"neutral","sentiment_score":0.10461640357971191},{"text":"Perfect.","start_word":1761,"end_word":1761,"sentiment":"positive","sentiment_score":0.4019151031970978},{"text":"Yeah.","start_word":1762,"end_word":1762,"sentiment":"neutral","sentiment_score":0.2715640664100647},{"text":"Cool.","start_word":1763,"end_word":1763,"sentiment":"positive","sentiment_score":0.3740045428276062},{"text":"Now when we do you know, if you're happy to go ahead and make the change when you when we do make the change Mhmm. when you actually log in to your Hub 24, you will see, you know, the catalyst SMA in the blue mist. Maybe you can actually click on them, and then you can see all the underlying investments as well. So Hi.","start_word":1764,"end_word":1829,"sentiment":"neutral","sentiment_score":0.0923098400235176},{"text":"you Yep. still Beautiful. have that kind of oversight of, you know, what's actually in it.","start_word":1830,"end_word":1845,"sentiment":"positive","sentiment_score":0.42052578926086426},{"text":"And if we do make any changes, we will let you know. So, again, you have that transparency.","start_word":1846,"end_word":1863,"sentiment":"neutral","sentiment_score":0.22178463637828827},{"text":"Yeah. Awesome. Yep. Perfect.","start_word":1864,"end_word":1867,"sentiment":"positive","sentiment_score":0.4466328024864197},{"text":"Now I won't go through it, but a little bit further after we scrolled through, it just puts everything into kind of words and black and white for you is most of what we've already gone through. But it shows you kind of the advantages and disadvantages and the risk in regards to the recommendation. So a Yep. biggest thing is obviously, the fee saving, the flexibility of the investment changes and everything like that. One of the disadvantages that CGT, I mentioned, and the risk is that there's always a level of risk associated with any investment option. But the good thing with that estimate is that it gives us that flexibility of reacting quickly if Mhmm. we need to do so. Yeah. Coco. Yep. Perfect. Now, basically, at the end here, sorry, the last couple of things is just showing you the beneficiary update. Pretty straightforward. We spoke about that last time as well. It's just to update that and change it to yourself, and that would Yep. obviously be a 100% tax free through her. Yep. Cool. Cool. Yep. Alright. Now the last thing I do want to mention is page 25, Yeah. which is just a remuneration. So is it if it is that you are happy to go ahead with this change, there is no additional fees or charges whatsoever. It is all part of the ongoing advice fee, which is that 1.65% from Yep.","start_word":1868,"end_word":2107,"sentiment":"neutral","sentiment_score":0.09594978392124176},{"text":"super.","start_word":2108,"end_word":2108,"sentiment":"positive","sentiment_score":0.3640540838241577},{"text":"That is not changing whatsoever. Okay. Cool. Yep. Okay. And then underneath that, you will just see your tal insurance outline. Again, though, it is tal paying us for those insurances. It is not you. But for compliance purposes, we have to disclose everything so you are fully aware, and that's just 22% of the premium. Again, it's help paying up, though. Yep. Not a Yep. worries. Any questions with any of that? No. It's all pretty straightforward. Not. Yeah.","start_word":2109,"end_word":2188,"sentiment":"neutral","sentiment_score":0.0472925951005891},{"text":"Perfect.","start_word":2189,"end_word":2189,"sentiment":"positive","sentiment_score":0.3616921901702881},{"text":"So, essentially, from here, Thomas, if you would like to go ahead and make the change, what I'll need you to do is just to sign that document. That will then Yep. come through to me, and I will let the team know, and we can go ahead and make this change for you.","start_word":2190,"end_word":2243,"sentiment":"neutral","sentiment_score":0.224149227142334},{"text":"Too lazy.","start_word":2244,"end_word":2245,"sentiment":"negative","sentiment_score":-0.36614686250686646},{"text":"I'll get it done right now.","start_word":2246,"end_word":2251,"sentiment":"neutral","sentiment_score":-0.08348529040813446},{"text":"Perfect.","start_word":2252,"end_word":2252,"sentiment":"positive","sentiment_score":0.4279206395149231},{"text":"And while you are doing it, I do wanna let you know as well that in that email, before you click on the link, so if you do wanna go back later, you will see a couple of attachments. They are all just the supporting documents. So about your HUB 24, there's a product disclosure statement about the SMA. Again, if you wanna have a bit of a read over it, all the supporting document is just there for you as well. Yep. And on the SMS you are signing, you will also see the ongoing service agreement, which is, again, just to obviously say that you're happy to stay on board as a client. But as you would know, you know, it's not a locking contract at all. So if at any point Yep. in time you are not happy, there is no locking contract. No Yep. worries. Perfect. And let me know if that came through okay, and I can try to update it and see if that'll come through. Sometimes it is a little bit slow, and then I can let the team know that we can go ahead and make this change for you. Yep. No worries. Well, it's just loading now, so you should see it shortly.","start_word":2253,"end_word":2464,"sentiment":"neutral","sentiment_score":0.10481449961662292},{"text":"Great. Perfect.","start_word":2465,"end_word":2466,"sentiment":"positive","sentiment_score":0.5738462209701538},{"text":"Yep. Now do you have any other questions for me, Thomas, before I let you go otherwise? No. No. No. It's all fairly No. straightforward. Yep.","start_word":2467,"end_word":2492,"sentiment":"neutral","sentiment_score":0.08032646947182141},{"text":"Perfect. Well, I hope you enjoy Yeah. the Sure. rest of your day, and I look forward to speaking with you soon again. No worries. You too. Thank you.","start_word":2493,"end_word":2521,"sentiment":"positive","sentiment_score":0.5795892477035522},{"text":"No worries.","start_word":2522,"end_word":2523,"sentiment":"neutral","sentiment_score":0.3126358687877655},{"text":"Thanks, Bye Thomas. bye. Cheers.","start_word":2524,"end_word":2528,"sentiment":"positive","sentiment_score":0.46047282218933105},{"text":"Bye. Bye.","start_word":2529,"end_word":2530,"sentiment":"neutral","sentiment_score":0.24124610424041748}],"average":{"sentiment":"neutral","sentiment_score":0.13936942217827675}}}}