{"metadata":{"transaction_key":"deprecated","request_id":"01a04175-3f9d-7c70-b096-79d68193bfb5","sha256":"5925fb63bb9a9949895b2ed241221d7984e1007425a911cb3870a476a791ad73","created":"2026-08-27T04:23:19.918Z","duration":691.63196,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":1945,"output_tokens":117},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":2099,"output_tokens":2104},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":2099,"output_tokens":288}},"results":{"channels":[{"alternatives":[{"transcript":"Hi, Max and Larissa from Oakview Financial. Calling? Good. Thank you. I was just giving you a call just to touch base and have a conversation today. Did you still have time to chat? Amazing. Before I jump into it, well, I just need to let you know that our calls are recorded. And if I could just get you confirmed security? So it's just full name, date of birth, Perfect. And address for me? Perfect. Alright. So I was just, I guess, touching base bit with you because as my colleague, Caden, spoke to you about a couple of days ago, we received the super super stream request to roll funds to an SMSF account. And first and foremost, we always wanna make sure that, obviously, you had been the person to request it. You did confirm that on on Tuesday that you had requested those funds. But, essentially sorry? Yeah. Yeah. Yeah. Yes. Yeah. Yeah. Yeah. And then yeah. Yeah. So super the soup the request was received from SuperStream. So the fund has received that, and it it looks like it's basically been verified as an appropriate fund. So the steps from here are, you've requested a $132,000 to be moved over into your SMSF funds, which is only a partial amount currently held in the fund. It's not the whole benefit held by your fund by Hub twenty four. So Hub twenty four are basically asking us to sell down the assets from their investments into cash so that way the cash can be sent to the SMSF fund. And then Hub twenty four will also be in contact with you. If you haven't spoken to them between Tuesday and today, they will be in in contact with you because they require a extra security verification verbal verbally with you. So that way, they can confirm the bank account details for the SMSF fund. It's a step that they always that they always require for an an account that they have not previously paid into. But the reason for my call today is to essentially establish what you're wanting to do because you've you've only requested for a $132,000 to transfer over. So you're still gonna have roughly $28,000 sitting in Hub twenty four as as as a as an investment amount. So what what are you looking to do with with your Hub twenty four and SMSF fund? What is your your strategy moving forward? You're you're gonna do trading yourself under the SMSF? Yep. Okay. Okay. Can I ask why why why are you leaving about $28 in Hub twenty four? Okay. Because I guess realistically speaking, like an SMS yeah. No. No. I understood that. Because realistically, you could have your employer pay into an SMSF fund. Most employers should be able to do so. And then because, otherwise, what I guess, from my point of view, what I see is you're gonna have $28,000 sitting in a hub twenty four account, which has administration fees, and it's gonna cost you money to run. It it's always gonna cost you money to run, but then you also have an SMSF account that is also gonna cost you auditing fees, administration fees, accounting fees on that side of things. And it realistically speaking, would be better to have all the money sitting in one account than have them split between two. So is it an issue with your employer not wanting to pay into an SMSF fund? Or alright. It's just what you're you're choosing to do is to keep your hub twenty four open. Okay. So you're gonna sort of take the $130 that you're withdrawing from Hub twenty four, and you're going to invest it under your SMSF fund, and you're going to sort of day trade and and trade with those funds. And then with the money that's in your Hub twenty four account, you're just gonna let it ride, stay within the investment structure that it has on your on your hub twenty four fund and go from there. Yeah? Yeah. Okay. No. No. It it there's nothing particularly wrong. It's just it's just, I guess, try me trying to understand, I guess, where your headspace was at and what you're what you're aiming to do with with the investments and and what you're wanting to aim towards. So I I guess the question is from here, because Hub 24 is a platform where Oakview Financial, which is where I'm I'm obviously calling from, where are your financial advisers? Where the one that put the instructions and do the investments on your Hub twenty four fund. Are you still wanting us to like, are you still wanting to engage us, to talk to us, to invest your Hub twenty four fund? Are you still wanting, like, our services, or do you just wanna leave the money on on the Hub platform and Oakview will step away? Okay. Hub twenty four doesn't have one adviser, and we're not we're not affiliated with Hub twenty four. Like, we advise on a lot of different platforms. We're not a plat we're not what's called a platform adviser, which is where we work for the fund. We don't work for Hub twenty four. Hub twenty four is one of many platforms that we work with or that we advise our clients to invest on. You can 100% stay on Hub twenty four without an adviser if you so choose to, but we can still continue to engage with you and work as your adviser as well. The only thing moving forward is that when we did your annual review for which you're coming up for your next review in a couple of months, we would we would just, you know, request a a statement of the investments within your SMSF fund so we can consider that in your overall investment plan and your overall retirement plan and your overall strategies. So that way we can make sure that we're considering the growth of other investments to plan for your retirement, to plan for your wealth journey. So that's the only thing that would really come from that side. It's just us being able to you know, you sending those reports to us so we can consider and work with you on those. K. Alright. Perfect. Alright. Well, I'll I'll make note of the fact that you're happy to to, I guess, stay with Oakview and, I guess, what your plans are for your SMSF account, and and we can go from there. And if you have any questions, you can give us a call moving forward, and we can we can sort of address those. But, otherwise, we'll be in contact with you in the next few months to go through your your your annual review. But what I'll do is I'll make sure that the money transfers over to your SMSF funds smoothly. And after this phone call, I'll send you an email with the contact number and the reference number for you to be able to contact Hub twenty four to verbally verify your SMSF bank details. So that way, the money, once it's sold down, can be transferred to your SMSF fund. Okay? No. That's okay. Not a problem at all, Maxine. I'll get that all all sorted for you now. Okay. You too. 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Max and Larissa from Oakview Financial. Calling? Good. Thank you. I was just giving you a call just to touch base and have a conversation today.\n\nDid you still have time to chat? Amazing. Before I jump into it, well, I just need to let you know that our calls are recorded. And if I could just get you confirmed security? So it's just full name, date of birth, Perfect.\n\nAnd address for me? Perfect. Alright. So I was just, I guess, touching base bit with you because as my colleague, Caden, spoke to you about a couple of days ago, we received the super super stream request to roll funds to an SMSF account. And first and foremost, we always wanna make sure that, obviously, you had been the person to request it.\n\nYou did confirm that on on Tuesday that you had requested those funds. But, essentially sorry? Yeah. Yeah. Yeah.\n\nYes. Yeah. Yeah. Yeah. And then yeah.\n\nYeah. So super the soup the request was received from SuperStream. So the fund has received that, and it it looks like it's basically been verified as an appropriate fund. So the steps from here are, you've requested a $132,000 to be moved over into your SMSF funds, which is only a partial amount currently held in the fund. It's not the whole benefit held by your fund by Hub twenty four.\n\nSo Hub twenty four are basically asking us to sell down the assets from their investments into cash so that way the cash can be sent to the SMSF fund. And then Hub twenty four will also be in contact with you. If you haven't spoken to them between Tuesday and today, they will be in in contact with you because they require a extra security verification verbal verbally with you. So that way, they can confirm the bank account details for the SMSF fund. It's a step that they always that they always require for an an account that they have not previously paid into.\n\nBut the reason for my call today is to essentially establish what you're wanting to do because you've you've only requested for a $132,000 to transfer over. So you're still gonna have roughly $28,000 sitting in Hub twenty four as as as a as an investment amount. So what what are you looking to do with with your Hub twenty four and SMSF fund? What is your your strategy moving forward? You're you're gonna do trading yourself under the SMSF?\n\nYep. Okay. Okay. Can I ask why why why are you leaving about $28 in Hub twenty four? Okay.\n\nBecause I guess realistically speaking, like an SMS yeah. No. No. I understood that. Because realistically, you could have your employer pay into an SMSF fund.\n\nMost employers should be able to do so. And then because, otherwise, what I guess, from my point of view, what I see is you're gonna have $28,000 sitting in a hub twenty four account, which has administration fees, and it's gonna cost you money to run. It it's always gonna cost you money to run, but then you also have an SMSF account that is also gonna cost you auditing fees, administration fees, accounting fees on that side of things. And it realistically speaking, would be better to have all the money sitting in one account than have them split between two. So is it an issue with your employer not wanting to pay into an SMSF fund?\n\nOr alright. It's just what you're you're choosing to do is to keep your hub twenty four open. Okay. So you're gonna sort of take the $130 that you're withdrawing from Hub twenty four, and you're going to invest it under your SMSF fund, and you're going to sort of day trade and and trade with those funds. And then with the money that's in your Hub twenty four account, you're just gonna let it ride, stay within the investment structure that it has on your on your hub twenty four fund and go from there.\n\nYeah? Yeah. Okay. No. No.\n\nIt it there's nothing particularly wrong. It's just it's just, I guess, try me trying to understand, I guess, where your headspace was at and what you're what you're aiming to do with with the investments and and what you're wanting to aim towards. So I I guess the question is from here, because Hub 24 is a platform where Oakview Financial, which is where I'm I'm obviously calling from, where are your financial advisers? Where the one that put the instructions and do the investments on your Hub twenty four fund. Are you still wanting us to like, are you still wanting to engage us, to talk to us, to invest your Hub twenty four fund?\n\nAre you still wanting, like, our services, or do you just wanna leave the money on on the Hub platform and Oakview will step away? Okay. Hub twenty four doesn't have one adviser, and we're not we're not affiliated with Hub twenty four. Like, we advise on a lot of different platforms. We're not a plat we're not what's called a platform adviser, which is where we work for the fund.\n\nWe don't work for Hub twenty four. Hub twenty four is one of many platforms that we work with or that we advise our clients to invest on. You can 100% stay on Hub twenty four without an adviser if you so choose to, but we can still continue to engage with you and work as your adviser as well. The only thing moving forward is that when we did your annual review for which you're coming up for your next review in a couple of months, we would we would just, you know, request a a statement of the investments within your SMSF fund so we can consider that in your overall investment plan and your overall retirement plan and your overall strategies. So that way we can make sure that we're considering the growth of other investments to plan for your retirement, to plan for your wealth journey.\n\nSo that's the only thing that would really come from that side. It's just us being able to you know, you sending those reports to us so we can consider and work with you on those. K. Alright. Perfect.\n\nAlright. Well, I'll I'll make note of the fact that you're happy to to, I guess, stay with Oakview and, I guess, what your plans are for your SMSF account, and and we can go from there. And if you have any questions, you can give us a call moving forward, and we can we can sort of address those. But, otherwise, we'll be in contact with you in the next few months to go through your your your annual review. But what I'll do is I'll make sure that the money transfers over to your SMSF funds smoothly.\n\nAnd after this phone call, I'll send you an email with the contact number and the reference number for you to be able to contact Hub twenty four to verbally verify your SMSF bank details. So that way, the money, once it's sold down, can be transferred to your SMSF fund. Okay? No. That's okay.\n\nNot a problem at all, Maxine. I'll get that all all sorted for you now. Okay. You too. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Max and Larissa from Oakview Financial.","start":4.56,"end":7.22,"sentiment":"neutral","sentiment_score":0.09771323204040527},{"text":"Calling?","start":7.3599997,"end":7.8599997,"sentiment":"neutral","sentiment_score":0.06550005823373795},{"text":"Good.","start":11.12,"end":11.62,"sentiment":"positive","sentiment_score":0.5477084517478943},{"text":"Thank you.","start":11.679999,"end":12.58,"sentiment":"positive","sentiment_score":0.6370897889137268},{"text":"I was just giving you a call just to touch base and have a conversation today.","start":13.905,"end":17.265,"sentiment":"neutral","sentiment_score":0.24073582515120506}],"sentiment":"neutral","sentiment_score":0.23789458942634087,"num_words":27,"start":4.56,"end":17.265},{"sentences":[{"text":"Did you still have time to 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sorry?","start":95.985,"end":99.125,"sentiment":"neutral","sentiment_score":-0.0489741408576568},{"text":"Yeah.","start":102.385,"end":102.885,"sentiment":"neutral","sentiment_score":-0.06668780744075775},{"text":"Yeah.","start":127.695,"end":128.195,"sentiment":"neutral","sentiment_score":-0.07697515189647675},{"text":"Yeah.","start":139.82999,"end":140.32999,"sentiment":"neutral","sentiment_score":-0.07153082638978958}],"sentiment":"neutral","sentiment_score":0.004652954736038258,"num_words":19,"start":87.27,"end":140.32999},{"sentences":[{"text":"Yes.","start":165.14,"end":165.54001,"sentiment":"neutral","sentiment_score":-0.08551451563835144},{"text":"Yeah.","start":165.54001,"end":166.04001,"sentiment":"neutral","sentiment_score":-0.05803164094686508},{"text":"Yeah.","start":167.14,"end":167.54001,"sentiment":"neutral","sentiment_score":-0.0627034455537796},{"text":"Yeah.","start":167.54001,"end":167.78,"sentiment":"neutral","sentiment_score":-0.07136250287294388},{"text":"And then yeah.","start":167.78,"end":173.525,"sentiment":"neutral","sentiment_score":-0.13006427635749182}],"sentiment":"neutral","sentiment_score":-0.0954007048692022,"num_words":7,"start":165.14,"end":173.525},{"sentences":[{"text":"Yeah.","start":173.525,"end":173.92499,"sentiment":"neutral","sentiment_score":-0.028655588626861572},{"text":"So super the soup the request was received from SuperStream.","start":173.92499,"end":177.625,"sentiment":"positive","sentiment_score":0.3543909788131714},{"text":"So the fund has received that, and it it looks like it's basically been verified as an appropriate fund.","start":178.72499,"end":185.69,"sentiment":"positive","sentiment_score":0.45112773462345723},{"text":"So the steps from here are, you've requested a $132,000 to be moved over into your SMSF funds, which is only a partial amount currently held in the fund.","start":185.91,"end":200.785,"sentiment":"neutral","sentiment_score":0.055613166427817835},{"text":"It's not the whole benefit held by your fund by Hub twenty four.","start":200.785,"end":205.845,"sentiment":"neutral","sentiment_score":-0.11056756858642285}],"sentiment":"neutral","sentiment_score":0.17030673044630223,"num_words":72,"start":173.525,"end":205.845},{"sentences":[{"text":"So Hub twenty four are basically asking us to sell down the assets from their investments into cash so that way the cash can be sent to the SMSF fund.","start":206.705,"end":216.3,"sentiment":"neutral","sentiment_score":0.09898199029266834},{"text":"And then Hub twenty four will also be in contact with you.","start":217.08,"end":221.34,"sentiment":"neutral","sentiment_score":0.07534209297349055},{"text":"If you haven't spoken to them between Tuesday and today, they will be in in contact with you because they require a extra security verification verbal verbally with you.","start":221.64,"end":233.145,"sentiment":"neutral","sentiment_score":0.018847241869260525},{"text":"So that way, they can confirm the bank account details for the SMSF fund.","start":233.765,"end":238.645,"sentiment":"neutral","sentiment_score":0.11194482818245888},{"text":"It's a step that they always that they always require for an an account that they have not previously paid into.","start":238.645,"end":245.82,"sentiment":"neutral","sentiment_score":0.015515320535217012}],"sentiment":"neutral","sentiment_score":0.05955834117419315,"num_words":106,"start":206.705,"end":245.82},{"sentences":[{"text":"But the reason for my call today is to essentially establish what you're wanting to do because you've you've only requested for a $132,000 to transfer over.","start":246.36,"end":256.495,"sentiment":"neutral","sentiment_score":-0.01068024696023376},{"text":"So you're still gonna have roughly $28,000 sitting in Hub twenty four as as as a as an investment amount.","start":256.63498,"end":266.815,"sentiment":"neutral","sentiment_score":-0.022328012436628342},{"text":"So what what are you looking to do with with your Hub twenty four and SMSF fund?","start":268.01,"end":273.77,"sentiment":"neutral","sentiment_score":0.11607993832405876},{"text":"What is your your strategy moving forward?","start":273.77,"end":276.03,"sentiment":"neutral","sentiment_score":0.11452494135924748},{"text":"You're you're gonna do trading yourself under the SMSF?","start":282.82498,"end":285.32498,"sentiment":"neutral","sentiment_score":0.053936824616458684}],"sentiment":"neutral","sentiment_score":0.031569225573912264,"num_words":80,"start":246.36,"end":285.32498},{"sentences":[{"text":"Yep.","start":303.08002,"end":303.58002,"sentiment":"neutral","sentiment_score":0.05632819980382919},{"text":"Okay.","start":304.76,"end":305.26,"sentiment":"neutral","sentiment_score":-0.04249158129096031},{"text":"Okay.","start":306.6,"end":307.095,"sentiment":"neutral","sentiment_score":-0.14526808261871338},{"text":"Can I ask why why why are you leaving about $28 in Hub twenty four?","start":307.255,"end":313.355,"sentiment":"negative","sentiment_score":-0.38465489943822223},{"text":"Okay.","start":325.66998,"end":326.15,"sentiment":"neutral","sentiment_score":0.07166159152984619}],"sentiment":"neutral","sentiment_score":-0.30682070337628065,"num_words":19,"start":303.08002,"end":326.15},{"sentences":[{"text":"Because I guess realistically speaking, like an SMS yeah.","start":326.15,"end":334.745,"sentiment":"neutral","sentiment_score":-0.010633953950471349},{"text":"No.","start":337.765,"end":338.165,"sentiment":"neutral","sentiment_score":-0.1301657259464264},{"text":"No.","start":338.165,"end":338.325,"sentiment":"neutral","sentiment_score":-0.15089870989322662},{"text":"I understood that.","start":338.325,"end":339.465,"sentiment":"neutral","sentiment_score":-0.11765599499146144},{"text":"Because realistically, you could have your employer pay into an SMSF fund.","start":339.765,"end":343.385,"sentiment":"neutral","sentiment_score":-0.031194201670587063}],"sentiment":"neutral","sentiment_score":-0.04246417024674324,"num_words":26,"start":326.15,"end":343.385},{"sentences":[{"text":"Most employers should be able to do so.","start":344.885,"end":347.065,"sentiment":"neutral","sentiment_score":0.06716003734618425},{"text":"And then because, otherwise, what I guess, from my point of view, what I see is you're gonna have $28,000 sitting in a hub twenty four account, which has administration fees, and it's gonna cost you money to run.","start":348.99002,"end":362.77002,"sentiment":"neutral","sentiment_score":-0.1995280547401844},{"text":"It it's always gonna cost you money to run, but then you also have an SMSF account that is also gonna cost you auditing fees, administration fees, accounting fees on that side of things.","start":363.285,"end":375.30502,"sentiment":"neutral","sentiment_score":-0.16638584150110974},{"text":"And it realistically speaking, would be better to have all the money sitting in one account than have them split between two.","start":376.15002,"end":383.61002,"sentiment":"neutral","sentiment_score":-0.06786702370101755},{"text":"So is it an issue with your employer not wanting to pay into an SMSF fund?","start":383.67,"end":387.83002,"sentiment":"neutral","sentiment_score":-0.13793932367116213}],"sentiment":"neutral","sentiment_score":-0.13950870712013805,"num_words":119,"start":344.885,"end":387.83002},{"sentences":[{"text":"Or alright.","start":387.83002,"end":391.965,"sentiment":"neutral","sentiment_score":0.04851092956960201},{"text":"It's just what you're you're choosing to do is to keep your hub twenty four open.","start":391.965,"end":395.025,"sentiment":"neutral","sentiment_score":0.1951227504760027},{"text":"Okay.","start":397.405,"end":397.905,"sentiment":"neutral","sentiment_score":0.16219286620616913},{"text":"So you're gonna sort of take the $130 that you're withdrawing from Hub twenty four, and you're going to invest it under your SMSF fund, and you're going to sort of day trade and and trade with those funds.","start":398.205,"end":412.03003,"sentiment":"neutral","sentiment_score":0.2109514085146097},{"text":"And then with the money that's in your Hub twenty four account, you're just gonna let it ride, stay within the investment structure that it has on your on your hub twenty four fund and go from there.","start":412.57,"end":427.065,"sentiment":"neutral","sentiment_score":0.20213960738558517}],"sentiment":"neutral","sentiment_score":0.2009332161008691,"num_words":96,"start":387.83002,"end":427.065},{"sentences":[{"text":"Yeah?","start":427.205,"end":427.705,"sentiment":"neutral","sentiment_score":0.17310172319412231},{"text":"Yeah.","start":438.98,"end":439.48,"sentiment":"neutral","sentiment_score":-0.16685903072357178},{"text":"Okay.","start":441.22,"end":441.54,"sentiment":"neutral","sentiment_score":-0.09270153939723969},{"text":"No.","start":441.54,"end":441.86002,"sentiment":"neutral","sentiment_score":-0.3142277002334595},{"text":"No.","start":441.86002,"end":442.1,"sentiment":"neutral","sentiment_score":-0.29043808579444885}],"sentiment":"neutral","sentiment_score":-0.1382249265909195,"num_words":5,"start":427.205,"end":442.1},{"sentences":[{"text":"It it there's nothing particularly wrong.","start":442.1,"end":444.02002,"sentiment":"neutral","sentiment_score":-0.3138971875111262},{"text":"It's just it's just, I guess, try me trying to understand, I guess, where your headspace was at and what you're what you're aiming to do with with the investments and and what you're wanting to aim towards.","start":444.02002,"end":457.455,"sentiment":"neutral","sentiment_score":-0.10805453443409581},{"text":"So I I guess the question is from here, because Hub 24 is a platform where Oakview Financial, which is where I'm I'm obviously calling from, where are your financial advisers?","start":458.67,"end":468.11,"sentiment":"neutral","sentiment_score":-0.03463429344757911},{"text":"Where the one that put the instructions and do the investments on your Hub twenty four fund.","start":468.11,"end":472.925,"sentiment":"neutral","sentiment_score":-0.052174418726388144},{"text":"Are you still wanting us to like, are you still wanting to engage us, to talk to us, to invest your Hub twenty four fund?","start":472.925,"end":479.88498,"sentiment":"neutral","sentiment_score":-0.15488708317279815}],"sentiment":"neutral","sentiment_score":-0.10104496348808464,"num_words":117,"start":442.1,"end":479.88498},{"sentences":[{"text":"Are you still wanting, like, our services, or do you just wanna leave the money on on the Hub platform and Oakview will step away?","start":479.88498,"end":488.32,"sentiment":"neutral","sentiment_score":-0.26308953285217285},{"text":"Okay.","start":530.81494,"end":531.31494,"sentiment":"neutral","sentiment_score":-0.029721198603510857},{"text":"Hub twenty four doesn't have one adviser, and we're not we're not affiliated with Hub twenty four.","start":531.535,"end":536.83,"sentiment":"neutral","sentiment_score":-0.07003465996069067},{"text":"Like, we advise on a lot of different platforms.","start":536.83,"end":539.39,"sentiment":"neutral","sentiment_score":0.028832916170358658},{"text":"We're not a plat we're not what's called a platform adviser, which is where we work for the fund.","start":539.39,"end":545.17,"sentiment":"neutral","sentiment_score":-0.09682914144114445}],"sentiment":"neutral","sentiment_score":-0.1320817771984238,"num_words":71,"start":479.88498,"end":545.17},{"sentences":[{"text":"We don't work for Hub twenty four.","start":545.39,"end":547.33,"sentiment":"neutral","sentiment_score":-0.27866750955581665},{"text":"Hub twenty four is one of many platforms that we work with or that we advise our clients to invest on.","start":547.79504,"end":554.455,"sentiment":"neutral","sentiment_score":0.021478917804502305},{"text":"You can 100% stay on Hub twenty four without an adviser if you so choose to, but we can still continue to engage with you and work as your adviser as well.","start":556.115,"end":567.37,"sentiment":"positive","sentiment_score":0.43502410501241684},{"text":"The only thing moving forward is that when we did your annual review for which you're coming up for your next review in a couple of months, we would we would just, you know, request a a statement of the investments within your SMSF fund so we can consider that in your overall investment plan and your overall retirement plan and your overall strategies.","start":567.99,"end":592.815,"sentiment":"neutral","sentiment_score":0.2399558355100453},{"text":"So that way we can make sure that we're considering the growth of other investments to plan for your retirement, to plan for your wealth journey.","start":593.64,"end":602.62,"sentiment":"positive","sentiment_score":0.38675517302293044}],"sentiment":"neutral","sentiment_score":0.2522264269242684,"num_words":150,"start":545.39,"end":602.62},{"sentences":[{"text":"So that's the only thing that would really come from that side.","start":603.4,"end":607.0,"sentiment":"neutral","sentiment_score":0.3108459586898486},{"text":"It's just us being able to you know, you sending those reports to us so we can consider and work with you on those.","start":607.0,"end":615.29504,"sentiment":"neutral","sentiment_score":0.29512033487359685},{"text":"K.","start":619.835,"end":620.16,"sentiment":"neutral","sentiment_score":0.15544328093528748},{"text":"Alright.","start":620.63995,"end":621.12,"sentiment":"positive","sentiment_score":0.3906218409538269},{"text":"Perfect.","start":621.12,"end":621.62,"sentiment":"positive","sentiment_score":0.5687270164489746}],"sentiment":"neutral","sentiment_score":0.3058418379380153,"num_words":39,"start":603.4,"end":621.62},{"sentences":[{"text":"Alright.","start":621.92,"end":622.31995,"sentiment":"positive","sentiment_score":0.4664870500564575},{"text":"Well, I'll I'll make note of the fact that you're happy to to, I guess, stay with Oakview and, I guess, what your plans are for your SMSF account, and and we can go from there.","start":622.31995,"end":633.885,"sentiment":"positive","sentiment_score":0.5015451105104552},{"text":"And if you have any questions, you can give us a call moving forward, and we can we can sort of address those.","start":634.765,"end":641.005,"sentiment":"neutral","sentiment_score":0.29137800957845605},{"text":"But, otherwise, we'll be in contact with you in the next few months to go through your your your annual review.","start":641.005,"end":646.545,"sentiment":"neutral","sentiment_score":0.2652268388441631},{"text":"But what I'll do is I'll make sure that the money transfers over to your SMSF funds smoothly.","start":646.765,"end":652.6,"sentiment":"positive","sentiment_score":0.34094925555917954}],"sentiment":"positive","sentiment_score":0.37303692388414134,"num_words":99,"start":621.92,"end":652.6},{"sentences":[{"text":"And after this phone call, I'll send you an email with the contact number and the reference number for you to be able to contact Hub twenty four to verbally verify your SMSF bank details.","start":654.18,"end":668.745,"sentiment":"neutral","sentiment_score":0.2738433471747807},{"text":"So that way, the money, once it's sold down, can be transferred to your SMSF fund.","start":670.085,"end":675.3,"sentiment":"positive","sentiment_score":0.3544640652835369},{"text":"Okay?","start":675.3,"end":675.8,"sentiment":"neutral","sentiment_score":0.22593490779399872},{"text":"No.","start":678.5,"end":678.74,"sentiment":"neutral","sentiment_score":-0.01666415110230446},{"text":"That's okay.","start":678.74,"end":679.45996,"sentiment":"neutral","sentiment_score":0.041438219137489796}],"sentiment":"neutral","sentiment_score":0.2826925343749198,"num_words":55,"start":654.18,"end":679.45996},{"sentences":[{"text":"Not a problem at all, Maxine.","start":679.45996,"end":680.92,"sentiment":"positive","sentiment_score":0.4859035164117813},{"text":"I'll get that all all sorted for you now.","start":681.06,"end":683.24,"sentiment":"positive","sentiment_score":0.6556480593151517},{"text":"Okay.","start":685.62,"end":686.12,"sentiment":"positive","sentiment_score":0.3815532326698303},{"text":"You too.","start":686.66,"end":687.22,"sentiment":"positive","sentiment_score":0.409340500831604},{"text":"Bye.","start":687.22,"end":687.72,"sentiment":"neutral","sentiment_score":0.253738135099411}],"sentiment":"positive","sentiment_score":0.5405382106178686,"num_words":19,"start":679.45996,"end":687.72}]}}]},{"alternatives":[{"transcript":"Hello? Good. How are you? Yeah. Yeah. Sorry. My full name is Maxine Bayo. Date of birth, 04/22/1975. Number 6, Roach Crescent, Rayburn Plains, Queensland 4301. With the stream request the stream request that was made, I rejected the the the request due to the bank account, which was different from what ATO have. But equally so, I sent in request through my email. That was a paperwork request because I called the the op twenty four requesting for rollover form, which they send me. So after I after they send me the form, I fill in the form and return to them. So when I called to follow-up on that form, they told me that they received the form, but they cannot process the request through that form. So I need to send in request through the stream. So that is where we ended. I I have not made I have not made any further request yet. Yep. Yes. Well, I will do the I will do the trading myself. Yeah. Yeah. Either I can have it as I can put it as stamp deposit or I can buy a share from Commonwealth or I can do the trading the market trading with the fund. So that is my intention. Oh, well, they can continue on to invest that, and my super company will continue to pay super onto that account as well. My so sorry. My my my employer my employer will continue to pay super to that account. Yeah. That is my choice. Yeah. Yes. Yeah. They should be they should still be able to invest that as normal as they used to do. Yeah. So and, still, my employer will be paying contribution to onto that account. So I don't think there's anything wrong with that. Well, initially, she became my supervisor is the choice of of 2024. Yeah. Because every super fund, the member have an adviser for that fund. So I don't think if there is any issue of you guy remaining to be an adviser for the remaining phone that you got that Hope twenty four we have. So I suggest because the fund is the fund the balance fund is still there. So you guys will continue to be my adviser. Yeah. Yeah. I don't mind with that. Okay. Thank you. Okay. Thank you. Have a good day. 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Good. How are you? Yeah. Yeah.\n\nSorry. My full name is Maxine Bayo. Date of birth, 04/22/1975. Number 6, Roach Crescent, Rayburn Plains, Queensland 4301. With the stream request the stream request that was made, I rejected the the the request due to the bank account, which was different from what ATO have.\n\nBut equally so, I sent in request through my email. That was a paperwork request because I called the the op twenty four requesting for rollover form, which they send me. So after I after they send me the form, I fill in the form and return to them. So when I called to follow-up on that form, they told me that they received the form, but they cannot process the request through that form. So I need to send in request through the stream.\n\nSo that is where we ended. I I have not made I have not made any further request yet. Yep. Yes. Well, I will do the I will do the trading myself.\n\nYeah. Yeah. Either I can have it as I can put it as stamp deposit or I can buy a share from Commonwealth or I can do the trading the market trading with the fund. So that is my intention. Oh, well, they can continue on to invest that, and my super company will continue to pay super onto that account as well.\n\nMy so sorry. My my my employer my employer will continue to pay super to that account. Yeah. That is my choice. Yeah.\n\nYes. Yeah. They should be they should still be able to invest that as normal as they used to do. Yeah. So and, still, my employer will be paying contribution to onto that account.\n\nSo I don't think there's anything wrong with that. Well, initially, she became my supervisor is the choice of of 2024. Yeah. Because every super fund, the member have an adviser for that fund. So I don't think if there is any issue of you guy remaining to be an adviser for the remaining phone that you got that Hope twenty four we have.\n\nSo I suggest because the fund is the fund the balance fund is still there. So you guys will continue to be my adviser. Yeah. Yeah. I don't mind with that.\n\nOkay. Thank you. Okay. Thank you. Have a good day.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello?","start":2.48,"end":2.98,"sentiment":"neutral","sentiment_score":0.018527915701270103},{"text":"Good.","start":8.8,"end":9.2,"sentiment":"positive","sentiment_score":0.4565274119377136},{"text":"How are you?","start":9.2,"end":10.0199995,"sentiment":"neutral","sentiment_score":0.33304115136464435},{"text":"Yeah.","start":21.775002,"end":22.275002,"sentiment":"neutral","sentiment_score":0.2620721757411957},{"text":"Yeah.","start":33.77,"end":34.27,"sentiment":"neutral","sentiment_score":0.02148752100765705}],"sentiment":"neutral","sentiment_score":0.25110549692596706,"num_words":7,"start":2.48,"end":34.27},{"sentences":[{"text":"Sorry.","start":39.295,"end":39.774998,"sentiment":"neutral","sentiment_score":-0.00607245322316885},{"text":"My full name is Maxine Bayo.","start":39.774998,"end":41.555,"sentiment":"neutral","sentiment_score":0.006949496377880375},{"text":"Date of birth, 04/22/1975.","start":42.094997,"end":45.395,"sentiment":"neutral","sentiment_score":0.016771411057561636},{"text":"Number 6, Roach Crescent, Rayburn Plains, Queensland 4301.","start":49.535,"end":54.44,"sentiment":"neutral","sentiment_score":0.033194394898600876},{"text":"With the stream request the stream request that was made, I rejected the the the request due to the bank account, which was different from what ATO have.","start":96.645004,"end":117.37,"sentiment":"neutral","sentiment_score":-0.16793513031942503}],"sentiment":"neutral","sentiment_score":-0.09221102809533477,"num_words":47,"start":39.295,"end":117.37},{"sentences":[{"text":"But equally so, I sent in request through my email.","start":118.15,"end":126.085,"sentiment":"neutral","sentiment_score":-0.10767800584435464},{"text":"That was a paperwork request because I called the the op twenty four requesting for rollover form, which they send me.","start":127.985,"end":138.6,"sentiment":"neutral","sentiment_score":-0.1316932752018883},{"text":"So after I after they send me the form, I fill in the form and return to them.","start":139.06,"end":144.92,"sentiment":"neutral","sentiment_score":-0.1236922438773844},{"text":"So when I called to follow-up on that form, they told me that they received the form, but they cannot process the request through that form.","start":145.78,"end":158.065,"sentiment":"neutral","sentiment_score":-0.26872330273573214},{"text":"So I need to send in request through the stream.","start":158.605,"end":162.865,"sentiment":"neutral","sentiment_score":-0.15102354139089585}],"sentiment":"neutral","sentiment_score":-0.17136282955898957,"num_words":85,"start":118.15,"end":162.865},{"sentences":[{"text":"So that is where we ended.","start":164.205,"end":165.985,"sentiment":"neutral","sentiment_score":-0.11630045746763547},{"text":"I I have not made I have not made any further request yet.","start":167.89,"end":171.75,"sentiment":"neutral","sentiment_score":-0.22226182084817153},{"text":"Yep.","start":204.94,"end":205.44,"sentiment":"neutral","sentiment_score":-0.06487834453582764},{"text":"Yes.","start":206.78,"end":207.28,"sentiment":"neutral","sentiment_score":0.11228808760643004},{"text":"Well, I will do the I will do the trading myself.","start":277.68002,"end":280.5,"sentiment":"neutral","sentiment_score":0.05047052014957775}],"sentiment":"neutral","sentiment_score":-0.09326940472237766,"num_words":32,"start":164.205,"end":280.5},{"sentences":[{"text":"Yeah.","start":282.96002,"end":283.46002,"sentiment":"neutral","sentiment_score":0.05482500419020653},{"text":"Yeah.","start":286.16,"end":286.64,"sentiment":"neutral","sentiment_score":0.10667435079813004},{"text":"Either I can have it as I can put it as stamp deposit or I can buy a share from Commonwealth or I can do the trading the market trading with the fund.","start":286.64,"end":303.285,"sentiment":"neutral","sentiment_score":0.12558344300046112},{"text":"So that is my intention.","start":303.285,"end":305.22498,"sentiment":"neutral","sentiment_score":0.027089984714984895},{"text":"Oh, well, they can continue on to invest that, and my super company will continue to pay super onto that account as well.","start":314.24,"end":323.475,"sentiment":"positive","sentiment_score":0.4245753391929295}],"sentiment":"neutral","sentiment_score":0.22549897934945803,"num_words":63,"start":282.96002,"end":323.475},{"sentences":[{"text":"My so sorry.","start":329.97998,"end":330.93997,"sentiment":"neutral","sentiment_score":-0.06482495243350665},{"text":"My my my employer my employer will continue to pay super to that account.","start":330.93997,"end":336.96,"sentiment":"neutral","sentiment_score":-0.03255722937839372},{"text":"Yeah.","start":337.9,"end":338.4,"sentiment":"neutral","sentiment_score":-0.05261438339948654},{"text":"That is my choice.","start":388.94998,"end":390.25,"sentiment":"neutral","sentiment_score":-0.04917111620306969},{"text":"Yeah.","start":395.50998,"end":396.00998,"sentiment":"neutral","sentiment_score":0.12024824321269988}],"sentiment":"neutral","sentiment_score":-0.033883768417265106,"num_words":23,"start":329.97998,"end":396.00998},{"sentences":[{"text":"Yes.","start":425.93,"end":426.43,"sentiment":"neutral","sentiment_score":0.1258709579706192},{"text":"Yeah.","start":427.29498,"end":427.615,"sentiment":"neutral","sentiment_score":0.28459709882736206},{"text":"They should be they should still be able to invest that as normal as they used to do.","start":427.615,"end":432.675,"sentiment":"positive","sentiment_score":0.4266676753759384},{"text":"Yeah.","start":432.975,"end":433.375,"sentiment":"neutral","sentiment_score":0.23795288801193237},{"text":"So and, still, my employer will be paying contribution to onto that account.","start":433.375,"end":438.415,"sentiment":"neutral","sentiment_score":0.30050871005425084}],"sentiment":"positive","sentiment_score":0.35985448036123724,"num_words":34,"start":425.93,"end":438.415},{"sentences":[{"text":"So I don't think there's anything wrong with that.","start":438.415,"end":440.995,"sentiment":"neutral","sentiment_score":-0.3294405655728446},{"text":"Well, initially, she became my supervisor is the choice of of 2024.","start":489.495,"end":497.88998,"sentiment":"neutral","sentiment_score":-0.03391780176510414},{"text":"Yeah.","start":499.22998,"end":499.47,"sentiment":"neutral","sentiment_score":0.03931237757205963},{"text":"Because every super fund, the member have an adviser for that fund.","start":499.47,"end":508.635,"sentiment":"neutral","sentiment_score":-0.028350860501329105},{"text":"So I don't think if there is any issue of you guy remaining to be an adviser for the remaining phone that you got that Hope twenty four we have.","start":508.795,"end":520.795,"sentiment":"neutral","sentiment_score":-0.19997628579537075}],"sentiment":"neutral","sentiment_score":-0.1511275817756541,"num_words":64,"start":438.415,"end":520.795},{"sentences":[{"text":"So I suggest because the fund is the fund the balance fund is still there.","start":520.795,"end":526.52,"sentiment":"neutral","sentiment_score":-0.03149878829717636},{"text":"So you guys will continue to be my adviser.","start":526.52,"end":529.26,"sentiment":"neutral","sentiment_score":0.050283787151177727},{"text":"Yeah.","start":568.105,"end":568.605,"sentiment":"neutral","sentiment_score":0.2694188356399536},{"text":"Yeah.","start":616.76,"end":617.16003,"sentiment":"neutral","sentiment_score":0.13401809334754944},{"text":"I don't mind with that.","start":617.16003,"end":618.54004,"sentiment":"neutral","sentiment_score":0.08773433417081833}],"sentiment":"neutral","sentiment_score":0.02652196321756609,"num_words":31,"start":520.795,"end":618.54004},{"sentences":[{"text":"Okay.","start":676.53,"end":677.03,"sentiment":"neutral","sentiment_score":0.26383399963378906},{"text":"Thank you.","start":677.09,"end":677.91003,"sentiment":"positive","sentiment_score":0.4906257688999176},{"text":"Okay.","start":683.58496,"end":684.065,"sentiment":"positive","sentiment_score":0.6240162253379822},{"text":"Thank you.","start":684.065,"end":684.725,"sentiment":"positive","sentiment_score":0.8445003032684326},{"text":"Have a good day.","start":684.785,"end":685.925,"sentiment":"positive","sentiment_score":0.7343682944774628}],"sentiment":"positive","sentiment_score":0.6495575547218323,"num_words":10,"start":676.53,"end":685.925},{"sentences":[{"text":"Bye.","start":689.665,"end":690.165,"sentiment":"neutral","sentiment_score":-0.09459927678108215}],"sentiment":"neutral","sentiment_score":-0.09459927678108215,"num_words":1,"start":689.665,"end":690.165}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Max and Larissa from Oakview Financial. Calling?\n\nChannel 1: Good. How are you?\n\nChannel 0: Good. Thank you. I was just giving you a call just to touch base and have a conversation today. Did you still have time to chat?\n\nChannel 1: Yeah.\n\nChannel 0: Amazing. Before I jump into it, well, I just need to let you know that our calls are recorded. And if I could just get you confirmed security?\n\nChannel 1: Yeah.\n\nChannel 0: So it's just full name, date of birth,\n\nChannel 1: Sorry. My full name is Maxine Bayo. Date of birth, 04/22/1975.\n\nChannel 0: Perfect. And address for me?\n\nChannel 1: Number 6, Roach Crescent, Rayburn Plains, Queensland 4301.\n\nChannel 0: Perfect. Alright. So I was just, I guess, touching base bit with you because as my colleague, Caden, spoke to you about a couple of days ago, we received the super super stream request to roll funds to an SMSF account. And first and foremost, we always wanna make sure that, obviously, you had been the person to request it. You did confirm that on on Tuesday that you had requested those funds.\n\nBut,\n\nChannel 1: With\n\nChannel 0: essentially\n\nChannel 1: the\n\nChannel 0: sorry?\n\nChannel 1: stream request the stream request that was\n\nChannel 0: Yeah.\n\nChannel 1: made, I rejected the the the request due to the bank account, which was different from what ATO have. But equally so, I sent in request through my email.\n\nChannel 0: Yeah.\n\nChannel 1: That was a paperwork request because I called the the op twenty four requesting for rollover form, which they send me. So after\n\nChannel 0: Yeah.\n\nChannel 1: I after they send me the form, I fill in the form and return to them. So when I called to follow-up on that form, they told me that they received the form, but they cannot process the request through that form. So I need to send in request through the stream. So that is where\n\nChannel 0: Yes.\n\nChannel 1: we ended.\n\nChannel 0: Yeah. Yeah. Yeah. And\n\nChannel 1: I I\n\nChannel 0: then\n\nChannel 1: have not made I have not made any further request yet.\n\nChannel 0: yeah. Yeah. So super the soup the request was received from SuperStream. So the fund has received that, and it it looks like it's basically been verified as an appropriate fund. So the steps from here are, you've requested a $132,000 to be moved over into your SMSF funds, which is only a partial amount currently held in the fund.\n\nIt's not the whole benefit held by your fund by Hub\n\nChannel 1: Yep.\n\nChannel 0: twenty four. So\n\nChannel 1: Yes.\n\nChannel 0: Hub twenty four are basically asking us to sell down the assets from their investments into cash so that way the cash can be sent to the SMSF fund. And then Hub twenty four will also be in contact with you. If you haven't spoken to them between Tuesday and today, they will be in in contact with you because they require a extra security verification verbal verbally with you. So that way, they can confirm the bank account details for the SMSF fund. It's a step that they always that they always require for an an account that they have not previously paid into.\n\nBut the reason for my call today is to essentially establish what you're wanting to do because you've you've only requested for a $132,000 to transfer over. So you're still gonna have roughly $28,000 sitting in Hub twenty four as as as a as an investment amount. So what what are you looking to do with with your Hub twenty four and SMSF fund? What is your your strategy moving forward?\n\nChannel 1: Well, I will do the I will do the trading myself.\n\nChannel 0: You're you're\n\nChannel 1: Yeah.\n\nChannel 0: gonna do trading yourself under the SMSF?\n\nChannel 1: Yeah. Either I can have it as I can put it as stamp deposit or I can buy a share from Commonwealth or I can do the trading the market trading with the fund.\n\nChannel 0: Yep.\n\nChannel 1: So that is my intention.\n\nChannel 0: Okay. Okay. Can I ask why why why are you leaving about $28 in Hub twenty four?\n\nChannel 1: Oh, well, they can continue on to invest that, and my super company will continue to pay super onto that account as well.\n\nChannel 0: Okay. Because I guess realistically speaking,\n\nChannel 1: My so\n\nChannel 0: like an\n\nChannel 1: sorry.\n\nChannel 0: SMS\n\nChannel 1: My my my employer my employer will continue to\n\nChannel 0: yeah.\n\nChannel 1: pay super to that account.\n\nChannel 0: No.\n\nChannel 1: Yeah.\n\nChannel 0: No. I understood that. Because realistically, you could have your employer pay into an SMSF fund. Most employers should be able to do so. And then because, otherwise, what I guess, from my point of view, what I see is you're gonna have $28,000 sitting in a hub twenty four account, which has administration fees, and it's gonna cost you money to run.\n\nIt it's always gonna cost you money to run, but then you also have an SMSF account that is also gonna cost you auditing fees, administration fees, accounting fees on that side of things. And it realistically speaking, would be better to have all the money sitting in one account than have them split between two. So is it an issue with your employer not wanting to pay into an SMSF fund? Or\n\nChannel 1: That is my choice.\n\nChannel 0: alright. It's just what you're you're choosing to do is to keep your hub twenty four open.\n\nChannel 1: Yeah.\n\nChannel 0: Okay. So you're gonna sort of take the $130 that you're withdrawing from Hub twenty four, and you're going to invest it under your SMSF fund, and you're going to sort of day trade and and trade with those funds. And then with the money that's in your Hub twenty four account, you're just gonna let it ride, stay within the investment structure that it has on your on your hub twenty four fund and\n\nChannel 1: Yes.\n\nChannel 0: go from there. Yeah?\n\nChannel 1: Yeah. They should be they should still be able to invest that as normal as they used to do. Yeah. So and, still, my employer will be paying contribution to onto that account. So I don't\n\nChannel 0: Yeah.\n\nChannel 1: think there's anything wrong with that.\n\nChannel 0: Okay. No. No. It it there's nothing particularly wrong. It's just it's just, I guess, try me trying to understand, I guess, where your headspace was at and what you're what you're aiming to do with with the investments and and what you're wanting to aim towards.\n\nSo I I guess the question is from here, because Hub 24 is a platform where Oakview Financial, which is where I'm I'm obviously calling from, where are your financial advisers? Where the one that put the instructions and do the investments on your Hub twenty four fund. Are you still wanting us to like, are you still wanting to engage us, to talk to us, to invest your Hub twenty four fund? Are you still wanting, like, our services, or do you just wanna leave the money on on the Hub platform and Oakview will step away?\n\nChannel 1: Well, initially, she became my supervisor is the choice of of 2024. Yeah. Because every super fund, the member have an adviser for that fund. So I don't think if there is any issue of you guy remaining to be an adviser for the remaining phone that you got that Hope twenty four we have. So I suggest because the fund is the fund the balance fund is still there.\n\nSo you guys will continue to be my adviser.\n\nChannel 0: Okay. Hub twenty four doesn't have one adviser, and we're not we're not affiliated with Hub twenty four. Like, we advise on a lot of different platforms. We're not a plat we're not what's called a platform adviser, which is where we work for the fund. We don't work for Hub twenty four.\n\nHub twenty four is one of many platforms that we work with or that we advise our clients to invest on. You can 100% stay on Hub twenty four without an adviser if you so choose to, but we can still continue to engage with you and work as your adviser as well. The\n\nChannel 1: Yeah.\n\nChannel 0: only thing moving forward is that when we did your annual review for which you're coming up for your next review in a couple of months, we would we would just, you know, request a a statement of the investments within your SMSF fund so we can consider that in your overall investment plan and your overall retirement plan and your overall strategies. So that way we can make sure that we're considering the growth of other investments to plan for your retirement, to plan for your wealth journey. So that's the only thing that would really come from that side. It's just us being able to you know, you sending those reports to us so we can consider and work with you on those.\n\nChannel 1: Yeah. I don't mind with that.\n\nChannel 0: K. Alright. Perfect. Alright. Well, I'll I'll make note of the fact that you're happy to to, I guess, stay with Oakview and, I guess, what your plans are for your SMSF account, and and we can go from there.\n\nAnd if you have any questions, you can give us a call moving forward, and we can we can sort of address those. But, otherwise, we'll be in contact with you in the next few months to go through your your your annual review. But what I'll do is I'll make sure that the money transfers over to your SMSF funds smoothly. And after this phone call, I'll send you an email with the contact number and the reference number for you to be able to contact Hub twenty four to verbally verify your SMSF bank details. So that way, the money, once it's sold down, can be transferred to your SMSF fund.\n\nOkay?\n\nChannel 1: Okay. Thank you.\n\nChannel 0: No. That's okay. Not a problem at all, Maxine. I'll get that all all sorted for you now.\n\nChannel 1: Okay. Thank you. Have a good day.\n\nChannel 0: Okay. You too. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":2.48,"end":2.98,"sentiment":"neutral","sentiment_score":0.018527915701270103}],"sentiment":"neutral","sentiment_score":0.018527915701270103,"channel":1,"num_words":1,"start":2.48,"end":2.98},{"sentences":[{"text":"Hi, Max and Larissa from Oakview Financial.","start":4.56,"end":7.22,"sentiment":"neutral","sentiment_score":0.09771323204040527},{"text":"Calling?","start":7.3599997,"end":7.8599997,"sentiment":"neutral","sentiment_score":0.06550005823373795}],"sentiment":"neutral","sentiment_score":0.09368658531457186,"channel":0,"num_words":8,"start":4.56,"end":7.8599997},{"sentences":[{"text":"Good.","start":8.8,"end":9.2,"sentiment":"positive","sentiment_score":0.4565274119377136},{"text":"How are you?","start":9.2,"end":10.0199995,"sentiment":"neutral","sentiment_score":0.33304115136464435}],"sentiment":"positive","sentiment_score":0.3639127165079117,"channel":1,"num_words":4,"start":8.8,"end":10.0199995},{"sentences":[{"text":"Good.","start":11.12,"end":11.62,"sentiment":"positive","sentiment_score":0.5477084517478943},{"text":"Thank you.","start":11.679999,"end":12.58,"sentiment":"positive","sentiment_score":0.6370897889137268},{"text":"I was just giving you a call just to touch base and have a conversation today.","start":13.905,"end":17.265,"sentiment":"neutral","sentiment_score":0.24073582515120506},{"text":"Did you still have time to 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security?","start":30.08,"end":31.86,"sentiment":"neutral","sentiment_score":0.05324481882982784}],"sentiment":"neutral","sentiment_score":0.09715008256690842,"channel":0,"num_words":28,"start":23.825,"end":31.86},{"sentences":[{"text":"Yeah.","start":33.77,"end":34.27,"sentiment":"neutral","sentiment_score":0.02148752100765705}],"sentiment":"neutral","sentiment_score":0.02148752100765705,"channel":1,"num_words":1,"start":33.77,"end":34.27},{"sentences":[{"text":"So it's just full name, date of birth,","start":36.239998,"end":37.695,"sentiment":"neutral","sentiment_score":0.023558992659673095}],"sentiment":"neutral","sentiment_score":0.023558992659673095,"channel":0,"num_words":8,"start":36.239998,"end":37.695},{"sentences":[{"text":"Sorry.","start":39.295,"end":39.774998,"sentiment":"neutral","sentiment_score":-0.00607245322316885},{"text":"My full name is Maxine Bayo.","start":39.774998,"end":41.555,"sentiment":"neutral","sentiment_score":0.006949496377880375},{"text":"Date of birth, 04/22/1975.","start":42.094997,"end":45.395,"sentiment":"neutral","sentiment_score":0.016771411057561636}],"sentiment":"neutral","sentiment_score":0.009337288115850904,"channel":1,"num_words":11,"start":39.295,"end":45.395},{"sentences":[{"text":"Perfect.","start":46.735,"end":47.235,"sentiment":"neutral","sentiment_score":0.1270066499710083},{"text":"And address for me?","start":47.695,"end":48.995,"sentiment":"neutral","sentiment_score":0.051848785020411015}],"sentiment":"neutral","sentiment_score":0.06688035801053047,"channel":0,"num_words":5,"start":46.735,"end":48.995},{"sentences":[{"text":"Number 6, Roach Crescent, Rayburn Plains, Queensland 4301.","start":49.535,"end":54.44,"sentiment":"neutral","sentiment_score":0.033194394898600876}],"sentiment":"neutral","sentiment_score":0.033194394898600876,"channel":1,"num_words":8,"start":49.535,"end":54.44},{"sentences":[{"text":"Perfect.","start":57.67,"end":58.17,"sentiment":"neutral","sentiment_score":0.1936685740947723},{"text":"Alright.","start":59.829998,"end":60.329998,"sentiment":"neutral","sentiment_score":0.0993068665266037},{"text":"So I was just, I guess, touching base bit with you because as my colleague, Caden, spoke to you about a couple of days ago, we received the super super stream request to roll funds to an SMSF account.","start":60.629997,"end":81.689995,"sentiment":"neutral","sentiment_score":0.03970618054079704},{"text":"And first and foremost, we always wanna make sure that, obviously, you had been the person to request it.","start":81.75,"end":87.27,"sentiment":"neutral","sentiment_score":0.030889362783024187},{"text":"You did confirm that on on Tuesday that you had requested those 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request the stream request that was","start":98.885,"end":102.585,"sentiment":"neutral","sentiment_score":-0.050694338977336884}],"sentiment":"neutral","sentiment_score":-0.050694338977336884,"channel":1,"num_words":7,"start":98.885,"end":102.585},{"sentences":[{"text":"Yeah.","start":102.385,"end":102.885,"sentiment":"neutral","sentiment_score":-0.06668780744075775}],"sentiment":"neutral","sentiment_score":-0.06668780744075775,"channel":0,"num_words":1,"start":102.385,"end":102.885},{"sentences":[{"text":"made, I rejected the the the request due to the bank account, which was different from what ATO have.","start":102.645004,"end":117.37,"sentiment":"neutral","sentiment_score":-0.22367680425706662},{"text":"But equally so, I sent in request through my 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after","start":139.06,"end":139.94,"sentiment":"neutral","sentiment_score":-0.07235413044691086}],"sentiment":"neutral","sentiment_score":-0.12653334957102072,"channel":1,"num_words":23,"start":127.985,"end":139.94},{"sentences":[{"text":"Yeah.","start":139.82999,"end":140.32999,"sentiment":"neutral","sentiment_score":-0.07153082638978958}],"sentiment":"neutral","sentiment_score":-0.07153082638978958,"channel":0,"num_words":1,"start":139.82999,"end":140.32999},{"sentences":[{"text":"I after they send me the form, I fill in the form and return to them.","start":139.94,"end":144.92,"sentiment":"neutral","sentiment_score":-0.1301095080561936},{"text":"So when I called to follow-up on that form, they told me that they received the form, but they cannot process the request through that form.","start":145.78,"end":158.065,"sentiment":"neutral","sentiment_score":-0.26872330273573214},{"text":"So I need to send in request through the 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request was received from SuperStream.","start":173.92499,"end":177.625,"sentiment":"positive","sentiment_score":0.3543909788131714},{"text":"So the fund has received that, and it it looks like it's basically been verified as an appropriate fund.","start":178.72499,"end":185.69,"sentiment":"positive","sentiment_score":0.45112773462345723},{"text":"So the steps from here are, you've requested a $132,000 to be moved over into your SMSF funds, which is only a partial amount currently held in the fund.","start":185.91,"end":200.785,"sentiment":"neutral","sentiment_score":0.055613166427817835}],"sentiment":"neutral","sentiment_score":0.2273961920912067,"channel":0,"num_words":60,"start":173.28499,"end":200.785},{"sentences":[{"text":"It's not the whole benefit held by your fund by 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spoken to them between Tuesday and today, they will be in in contact with you because they require a extra security verification verbal verbally with you.","start":221.64,"end":233.145,"sentiment":"neutral","sentiment_score":0.018847241869260525},{"text":"So that way, they can confirm the bank account details for the SMSF fund.","start":233.765,"end":238.645,"sentiment":"neutral","sentiment_score":0.11194482818245888},{"text":"It's a step that they always that they always require for an an account that they have not previously paid into.","start":238.645,"end":245.82,"sentiment":"neutral","sentiment_score":0.015515320535217012}],"sentiment":"neutral","sentiment_score":0.05988500838478406,"channel":0,"num_words":105,"start":206.945,"end":245.82},{"sentences":[{"text":"But the reason for my call today is to essentially establish what you're wanting to do because you've you've only requested for a $132,000 to transfer 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towards.","start":444.02002,"end":457.455,"sentiment":"neutral","sentiment_score":-0.10805453443409581}],"sentiment":"neutral","sentiment_score":-0.1422728246593095,"channel":0,"num_words":47,"start":441.22,"end":457.455},{"sentences":[{"text":"So I I guess the question is from here, because Hub 24 is a platform where Oakview Financial, which is where I'm I'm obviously calling from, where are your financial advisers?","start":458.67,"end":468.11,"sentiment":"neutral","sentiment_score":-0.03463429344757911},{"text":"Where the one that put the instructions and do the investments on your Hub twenty four fund.","start":468.11,"end":472.925,"sentiment":"neutral","sentiment_score":-0.052174418726388144},{"text":"Are you still wanting us to like, are you still wanting to engage us, to talk to us, to invest your Hub twenty four fund?","start":472.925,"end":479.88498,"sentiment":"neutral","sentiment_score":-0.15488708317279815},{"text":"Are you still wanting, like, our services, or do you just wanna leave the money on on the Hub platform and Oakview will step away?","start":479.88498,"end":488.32,"sentiment":"neutral","sentiment_score":-0.26308953285217285}],"sentiment":"neutral","sentiment_score":-0.12663309812089618,"channel":0,"num_words":98,"start":458.67,"end":488.32},{"sentences":[{"text":"Well, initially, she became my supervisor is the choice of of 2024.","start":489.495,"end":497.88998,"sentiment":"neutral","sentiment_score":-0.03391780176510414},{"text":"Yeah.","start":499.22998,"end":499.47,"sentiment":"neutral","sentiment_score":0.03931237757205963},{"text":"Because every super fund, the member have an adviser for that fund.","start":499.47,"end":508.635,"sentiment":"neutral","sentiment_score":-0.028350860501329105},{"text":"So I don't think if there is any issue of you guy remaining to be an adviser for the remaining phone that you got that Hope twenty four we have.","start":508.795,"end":520.795,"sentiment":"neutral","sentiment_score":-0.19997628579537075},{"text":"So I suggest because the fund is the fund the balance fund is still there.","start":520.795,"end":526.52,"sentiment":"neutral","sentiment_score":-0.03149878829717636}],"sentiment":"neutral","sentiment_score":-0.10256688525634153,"channel":1,"num_words":70,"start":489.495,"end":526.52},{"sentences":[{"text":"So you guys will continue to be my adviser.","start":526.52,"end":529.26,"sentiment":"neutral","sentiment_score":0.050283787151177727}],"sentiment":"neutral","sentiment_score":0.050283787151177727,"channel":1,"num_words":9,"start":526.52,"end":529.26},{"sentences":[{"text":"Okay.","start":530.81494,"end":531.31494,"sentiment":"neutral","sentiment_score":-0.029721198603510857},{"text":"Hub twenty four doesn't have one adviser, and we're not we're not affiliated with Hub twenty four.","start":531.535,"end":536.83,"sentiment":"neutral","sentiment_score":-0.07003465996069067},{"text":"Like, we advise on a lot of different platforms.","start":536.83,"end":539.39,"sentiment":"neutral","sentiment_score":0.028832916170358658},{"text":"We're not a plat we're not what's called a platform adviser, which is where we work for the fund.","start":539.39,"end":545.17,"sentiment":"neutral","sentiment_score":-0.09682914144114445},{"text":"We don't work for Hub twenty four.","start":545.39,"end":547.33,"sentiment":"neutral","sentiment_score":-0.27866750955581665}],"sentiment":"neutral","sentiment_score":-0.08964604578631104,"channel":0,"num_words":53,"start":530.81494,"end":547.33},{"sentences":[{"text":"Hub twenty four is one of many platforms that we work with or that we advise our clients to invest on.","start":547.79504,"end":554.455,"sentiment":"neutral","sentiment_score":0.021478917804502305},{"text":"You can 100% stay on Hub twenty four without an adviser if you so choose to, but we can still continue to engage with you and work as your adviser as well.","start":556.115,"end":567.37,"sentiment":"positive","sentiment_score":0.43502410501241684},{"text":"The","start":567.99,"end":568.14996,"sentiment":"neutral","sentiment_score":0.23563571274280548}],"sentiment":"neutral","sentiment_score":0.27050859901916097,"channel":0,"num_words":54,"start":547.79504,"end":568.14996},{"sentences":[{"text":"Yeah.","start":568.105,"end":568.605,"sentiment":"neutral","sentiment_score":0.2694188356399536}],"sentiment":"neutral","sentiment_score":0.2694188356399536,"channel":1,"num_words":1,"start":568.105,"end":568.605},{"sentences":[{"text":"only thing moving forward is that when we did your annual review for which you're coming up for your next review in a couple of months, we would we would just, you know, request a a statement of the investments within your SMSF fund so we can consider that in your overall investment plan and your overall retirement plan and your overall strategies.","start":568.14996,"end":592.815,"sentiment":"neutral","sentiment_score":0.24002440888730306},{"text":"So that way we can make sure that we're considering the growth of other investments to plan for your retirement, to plan for your wealth journey.","start":593.64,"end":602.62,"sentiment":"positive","sentiment_score":0.38675517302293044},{"text":"So that's the only thing that would really come from that side.","start":603.4,"end":607.0,"sentiment":"neutral","sentiment_score":0.3108459586898486},{"text":"It's just us being able to you know, you sending those reports to us so we can consider and work with you on those.","start":607.0,"end":615.29504,"sentiment":"neutral","sentiment_score":0.29512033487359685}],"sentiment":"neutral","sentiment_score":0.2879216943979263,"channel":0,"num_words":125,"start":568.14996,"end":615.29504},{"sentences":[{"text":"Yeah.","start":616.76,"end":617.16003,"sentiment":"neutral","sentiment_score":0.13401809334754944},{"text":"I don't mind with that.","start":617.16003,"end":618.54004,"sentiment":"neutral","sentiment_score":0.08773433417081833}],"sentiment":"neutral","sentiment_score":0.09544829403360684,"channel":1,"num_words":6,"start":616.76,"end":618.54004},{"sentences":[{"text":"K.","start":619.835,"end":620.16,"sentiment":"neutral","sentiment_score":0.15544328093528748},{"text":"Alright.","start":620.63995,"end":621.12,"sentiment":"positive","sentiment_score":0.3906218409538269},{"text":"Perfect.","start":621.12,"end":621.62,"sentiment":"positive","sentiment_score":0.5687270164489746},{"text":"Alright.","start":621.92,"end":622.31995,"sentiment":"positive","sentiment_score":0.4664870500564575},{"text":"Well, I'll I'll make note of the fact that you're happy to to, I guess, stay with Oakview and, I guess, what your plans are for your SMSF account, and and we can go from there.","start":622.31995,"end":633.885,"sentiment":"positive","sentiment_score":0.5015451105104552}],"sentiment":"positive","sentiment_score":0.4909225791692734,"channel":0,"num_words":40,"start":619.835,"end":633.885},{"sentences":[{"text":"And if you have any questions, you can give us a call moving forward, and we can we can sort of address those.","start":634.765,"end":641.005,"sentiment":"neutral","sentiment_score":0.29137800957845605},{"text":"But, otherwise, we'll be in contact with you in the next few months to go through your your your annual review.","start":641.005,"end":646.545,"sentiment":"neutral","sentiment_score":0.2652268388441631},{"text":"But what I'll do is I'll make sure that the money transfers over to your SMSF funds smoothly.","start":646.765,"end":652.6,"sentiment":"positive","sentiment_score":0.34094925555917954},{"text":"And after this phone call, I'll send you an email with the contact number and the reference number for you to be able to contact Hub twenty four to verbally verify your SMSF bank details.","start":654.18,"end":668.745,"sentiment":"neutral","sentiment_score":0.2738433471747807},{"text":"So that way, the money, once it's sold down, can be transferred to your SMSF fund.","start":670.085,"end":675.3,"sentiment":"positive","sentiment_score":0.3544640652835369}],"sentiment":"neutral","sentiment_score":0.2979158109004519,"channel":0,"num_words":113,"start":634.765,"end":675.3},{"sentences":[{"text":"Okay?","start":675.3,"end":675.8,"sentiment":"neutral","sentiment_score":0.22593490779399872}],"sentiment":"neutral","sentiment_score":0.22593490779399872,"channel":0,"num_words":1,"start":675.3,"end":675.8},{"sentences":[{"text":"Okay.","start":676.53,"end":677.03,"sentiment":"neutral","sentiment_score":0.26383399963378906},{"text":"Thank you.","start":677.09,"end":677.91003,"sentiment":"positive","sentiment_score":0.4906257688999176}],"sentiment":"positive","sentiment_score":0.41502851247787476,"channel":1,"num_words":3,"start":676.53,"end":677.91003},{"sentences":[{"text":"No.","start":678.5,"end":678.74,"sentiment":"neutral","sentiment_score":-0.01666415110230446},{"text":"That's okay.","start":678.74,"end":679.45996,"sentiment":"neutral","sentiment_score":0.041438219137489796},{"text":"Not a problem at all, Maxine.","start":679.45996,"end":680.92,"sentiment":"positive","sentiment_score":0.4859035164117813},{"text":"I'll get that all all sorted for you now.","start":681.06,"end":683.24,"sentiment":"positive","sentiment_score":0.6556480593151517}],"sentiment":"positive","sentiment_score":0.4934703288599849,"channel":0,"num_words":18,"start":678.5,"end":683.24},{"sentences":[{"text":"Okay.","start":683.58496,"end":684.065,"sentiment":"positive","sentiment_score":0.6240162253379822},{"text":"Thank you.","start":684.065,"end":684.725,"sentiment":"positive","sentiment_score":0.8445003032684326},{"text":"Have a good day.","start":684.785,"end":685.925,"sentiment":"positive","sentiment_score":0.7343682944774628}],"sentiment":"positive","sentiment_score":0.7500700013978141,"channel":1,"num_words":7,"start":683.58496,"end":685.925},{"sentences":[{"text":"Okay.","start":685.62,"end":686.12,"sentiment":"positive","sentiment_score":0.3815532326698303},{"text":"You too.","start":686.66,"end":687.22,"sentiment":"positive","sentiment_score":0.409340500831604},{"text":"Bye.","start":687.22,"end":687.72,"sentiment":"neutral","sentiment_score":0.253738135099411}],"sentiment":"positive","sentiment_score":0.36349309235811234,"channel":0,"num_words":4,"start":685.62,"end":687.72},{"sentences":[{"text":"Bye.","start":689.665,"end":690.165,"sentiment":"neutral","sentiment_score":-0.09459927678108215}],"sentiment":"neutral","sentiment_score":-0.09459927678108215,"channel":1,"num_words":1,"start":689.665,"end":690.165}]},"summary":{"result":"success","short":"The speaker from Oakview Financial discusses a request to roll funds to an SMSF account with Max and Larissa. They confirm personal information and explain that the request was received on Tuesday. The fund will be transferred to the SMSF account and the company will continue to pay for it. The process is being taken to ensure the request is processed. The customer is advised to continue being an adviser for the remaining account and to contact Hub 24 to verify bank details. The agent will request a statement of the investments within the SMSF fund to consider their overall investment plan and retirement strategy."},"intents":{"segments":[{"text":"So I was just, I guess, touching base bit with you because as my colleague, Caden, spoke to you about a couple of days ago, we received the super super stream request to roll funds to an SMSF account.","start_word":103,"end_word":141,"intents":[{"intent":"Request funds","confidence_score":0.13475315}]},{"text":"made, I rejected the the the request due to the bank account, which was different from what ATO have.","start_word":187,"end_word":205,"intents":[{"intent":"Reject request","confidence_score":0.25500074}]},{"text":"That was a paperwork request because I called the the op twenty four requesting for rollover form, which they send me. So after Yeah.","start_word":217,"end_word":240,"intents":[{"intent":"Request paperwork form","confidence_score":0.009162076}]},{"text":"So the steps from here are, you've requested a $132,000 to be moved over into your SMSF funds, which is only a partial amount currently held in the fund.","start_word":349,"end_word":377,"intents":[{"intent":"Request money transfer","confidence_score":0.005964097},{"intent":"Negotiate ssf fund amount","confidence_score":0.00030538932}]},{"text":"Oh, well, they can continue on to invest that, and my super company will continue to pay super onto that account as well.","start_word":649,"end_word":671,"intents":[{"intent":"Continue investing","confidence_score":0.14580093},{"intent":"Pay super super","confidence_score":0.49899742}]},{"text":"And it realistically speaking, would be better to have all the money sitting in one account than have them split between two.","start_word":797,"end_word":818,"intents":[{"intent":"Divide ssf funds","confidence_score":0.0067599188}]},{"text":"It's just what you're you're choosing to do is to keep your hub twenty four open. Yeah.","start_word":841,"end_word":857,"intents":[{"intent":"Keep hub twenty four open","confidence_score":0.7988999}]},{"text":"So and, still, my employer will be paying contribution to onto that account.","start_word":958,"end_word":970,"intents":[{"intent":"Earn contributions","confidence_score":0.0003665335}]},{"text":"It it there's nothing particularly wrong. It's just it's just, I guess, try me trying to understand, I guess, where your headspace was at and what you're what you're aiming to do with with the investments and and what you're wanting to aim towards.","start_word":984,"end_word":1027,"intents":[{"intent":"Understand headspace","confidence_score":0.17357545},{"intent":"Understand investment objectives","confidence_score":0.09333215}]},{"text":"So I I guess the question is from here, because Hub 24 is a platform where Oakview Financial, which is where I'm I'm obviously calling from, where are your financial advisers?","start_word":1028,"end_word":1058,"intents":[{"intent":"Clarify adviser role","confidence_score":0.019960813},{"intent":"Explain purpose of call","confidence_score":0.00018152164}]},{"text":"Are you still wanting us to like, are you still wanting to engage us, to talk to us, to invest your Hub twenty four fund?","start_word":1076,"end_word":1100,"intents":[{"intent":"Engage hua twenty four","confidence_score":0.000028102775}]},{"text":"Well, initially, she became my supervisor is the choice of of 2024.","start_word":1126,"end_word":1137,"intents":[{"intent":"Remain adviser","confidence_score":0.02390324}]},{"text":"Well, initially, she became my supervisor is the choice of of 2024. Yeah.","start_word":1126,"end_word":1138,"intents":[{"intent":"Clarify adviser position","confidence_score":0.00026964975}]},{"text":"Hub twenty four doesn't have one adviser, and we're not we're not affiliated with Hub twenty four. Like, we advise on a lot of different platforms. We're not a plat we're not what's called a platform adviser, which is where we work for the fund. We don't work for Hub twenty four. Hub twenty four is one of many platforms that we work with or that we advise our clients to invest on.","start_word":1206,"end_word":1278,"intents":[{"intent":"Advise on investments","confidence_score":0.010249046},{"intent":"Clarify client affiliation","confidence_score":0.000051871706}]},{"text":"only thing moving forward is that when we did your annual review for which you're coming up for your next review in a couple of months, we would we would just, you know, request a a statement of the investments within your SMSF fund so we can consider that in your overall investment plan and your overall retirement plan and your overall strategies.","start_word":1313,"end_word":1375,"intents":[{"intent":"Request statement","confidence_score":0.35465488},{"intent":"Discuss investments","confidence_score":0.19647667}]},{"text":"So that way we can make sure that we're considering the growth of other investments to plan for your retirement, to plan for your wealth journey.","start_word":1376,"end_word":1401,"intents":[{"intent":"Discuss future plans","confidence_score":0.009121131}]},{"text":"And if you have any questions, you can give us a call moving forward, and we can we can sort of address those.","start_word":1484,"end_word":1506,"intents":[{"intent":"Address questions","confidence_score":0.8527635}]},{"text":"But what I'll do is I'll make sure that the money transfers over to your SMSF funds smoothly. And after this phone call, I'll send you an email with the contact number and the reference number for you to be able to contact Hub twenty four to verbally verify your SMSF bank details. So that way, the money, once it's sold down, can be transferred to your SMSF fund. Okay? Okay.","start_word":1528,"end_word":1598,"intents":[{"intent":"Transfer money","confidence_score":0.13051882}]},{"text":"And after this phone call, I'll send you an email with the contact number and the reference number for you to be able to contact Hub twenty four to verbally verify your SMSF bank details.","start_word":1546,"end_word":1580,"intents":[{"intent":"Verify bank details","confidence_score":0.6035425}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Max and Larissa from Oakview Financial. Calling?","start_word":0,"end_word":8,"sentiment":"neutral","sentiment_score":0.08125005662441254},{"text":"Good. How are you? Good. Thank you.","start_word":9,"end_word":15,"sentiment":"positive","sentiment_score":0.47595927119255066},{"text":"I was just giving you a call just to touch base and have a conversation today. Did you still have time to chat? Yeah.","start_word":16,"end_word":39,"sentiment":"neutral","sentiment_score":0.19590376317501068},{"text":"Amazing.","start_word":40,"end_word":40,"sentiment":"positive","sentiment_score":0.4766089916229248},{"text":"Before I jump into it, well, I just need to let you know that our calls are recorded. And if I could just get you confirmed security? Yeah. So it's just full name, date of birth, Sorry. My full name is Maxine Bayo. Date of birth, 04/22/1975. Perfect. And address for me? Number 6, Roach Crescent, Rayburn Plains, Queensland 4301. Perfect. Alright. So I was just, I guess, touching base bit with you because as my colleague, Caden, spoke to you about a couple of days ago, we received the super super stream request to roll funds to an SMSF account. And first and foremost, we always wanna make sure that, obviously, you had been the person to request it. You did confirm that on on Tuesday that you had requested those funds. But, With essentially the sorry? stream request the stream request that was Yeah. made, I rejected the the the request due to the bank account, which was different from what ATO have. But equally so, I sent in request through my email. Yeah. That was a paperwork request because I called the the op twenty four requesting for rollover form, which they send me. So after Yeah. I after they send me the form, I fill in the form and return to them. So when I called to follow-up on that form, they told me that they received the form, but they cannot process the request through that form. So I need to send in request through the stream. So that is where Yes. we ended. Yeah. Yeah. Yeah. And I I then have not made I have not made any further request yet. yeah. Yeah.","start_word":41,"end_word":319,"sentiment":"neutral","sentiment_score":-0.05621081590652466},{"text":"So super the soup the request was received from SuperStream. So the fund has received that, and it it looks like it's basically been verified as an appropriate fund.","start_word":320,"end_word":348,"sentiment":"positive","sentiment_score":0.4159039258956909},{"text":"So the steps from here are, you've requested a $132,000 to be moved over into your SMSF funds, which is only a partial amount currently held in the fund. It's not the whole benefit held by your fund by Hub Yep. twenty four. So Yes. Hub twenty four are basically asking us to sell down the assets from their investments into cash so that way the cash can be sent to the SMSF fund. And then Hub twenty four will also be in contact with you. If you haven't spoken to them between Tuesday and today, they will be in in contact with you because they require a extra security verification verbal verbally with you. So that way, they can confirm the bank account details for the SMSF fund. It's a step that they always that they always require for an an account that they have not previously paid into. But the reason for my call today is to essentially establish what you're wanting to do because you've you've only requested for a $132,000 to transfer over. So you're still gonna have roughly $28,000 sitting in Hub twenty four as as as a as an investment amount. So what what are you looking to do with with your Hub twenty four and SMSF fund? What is your your strategy moving forward? Well, I will do the I will do the trading myself. You're you're Yeah. gonna do trading yourself under the SMSF? Yeah. Either I can have it as I can put it as stamp deposit or I can buy a share from Commonwealth or I can do the trading the market trading with the fund. Yep. So that is my intention. Okay. Okay.","start_word":349,"end_word":632,"sentiment":"neutral","sentiment_score":0.04470980912446976},{"text":"Can I ask why why why are you leaving about $28 in Hub twenty four?","start_word":633,"end_word":647,"sentiment":"negative","sentiment_score":-0.3757493793964386},{"text":"Oh, well, they can continue on to invest that, and my super company will continue to pay super onto that account as well.","start_word":648,"end_word":670,"sentiment":"positive","sentiment_score":0.4050656855106354},{"text":"Okay. Because I guess realistically speaking, My so like an sorry. SMS My my my employer my employer will continue to yeah. pay super to that account. No. Yeah. No. I understood that. Because realistically, you could have your employer pay into an SMSF fund. Most employers should be able to do so. And then because, otherwise, what I guess, from my point of view, what I see is you're gonna have $28,000 sitting in a hub twenty four account, which has administration fees, and it's gonna cost you money to run. It it's always gonna cost you money to run, but then you also have an SMSF account that is also gonna cost you auditing fees, administration fees, accounting fees on that side of things. And it realistically speaking, would be better to have all the money sitting in one account than have them split between two. So is it an issue with your employer not wanting to pay into an SMSF fund? Or That is my choice. alright. It's just what you're you're choosing to do is to keep your hub twenty four open. Yeah. Okay. So you're gonna sort of take the $130 that you're withdrawing from Hub twenty four, and you're going to invest it under your SMSF fund, and you're going to sort of day trade and and trade with those funds. And then with the money that's in your Hub twenty four account, you're just gonna let it ride, stay within the investment structure that it has on your on your hub twenty four fund and Yes. go from there. Yeah? Yeah.","start_word":671,"end_word":938,"sentiment":"neutral","sentiment_score":0.007347111124545336},{"text":"They should be they should still be able to invest that as normal as they used to do.","start_word":939,"end_word":956,"sentiment":"positive","sentiment_score":0.4257759153842926},{"text":"Yeah. So and, still, my employer will be paying contribution to onto that account. So I don't Yeah.","start_word":957,"end_word":974,"sentiment":"neutral","sentiment_score":0.19472425513797337},{"text":"think there's anything wrong with that.","start_word":975,"end_word":980,"sentiment":"negative","sentiment_score":-0.405377060174942},{"text":"Okay. No. No. It it there's nothing particularly wrong. It's just it's just, I guess, try me trying to understand, I guess, where your headspace was at and what you're what you're aiming to do with with the investments and and what you're wanting to aim towards. So I I guess the question is from here, because Hub 24 is a platform where Oakview Financial, which is where I'm I'm obviously calling from, where are your financial advisers? Where the one that put the instructions and do the investments on your Hub twenty four fund. Are you still wanting us to like, are you still wanting to engage us, to talk to us, to invest your Hub twenty four fund? Are you still wanting, like, our services, or do you just wanna leave the money on on the Hub platform and Oakview will step away? Well, initially, she became my supervisor is the choice of of 2024. Yeah. Because every super fund, the member have an adviser for that fund. So I don't think if there is any issue of you guy remaining to be an adviser for the remaining phone that you got that Hope twenty four we have. So I suggest because the fund is the fund the balance fund is still there. So you guys will continue to be my adviser. Okay. Hub twenty four doesn't have one adviser, and we're not we're not affiliated with Hub twenty four. Like, we advise on a lot of different platforms. We're not a plat we're not what's called a platform adviser, which is where we work for the fund. We don't work for Hub twenty four. Hub twenty four is one of many platforms that we work with or that we advise our clients to invest on.","start_word":981,"end_word":1278,"sentiment":"neutral","sentiment_score":-0.10216346383094788},{"text":"You can 100% stay on Hub twenty four without an adviser if you so choose to, but we can still continue to engage with you and work as your adviser as well.","start_word":1279,"end_word":1310,"sentiment":"positive","sentiment_score":0.4312829077243805},{"text":"The Yeah. only thing moving forward is that when we did your annual review for which you're coming up for your next review in a couple of months, we would we would just, you know, request a a statement of the investments within your SMSF fund so we can consider that in your overall investment plan and your overall retirement plan and your overall strategies.","start_word":1311,"end_word":1375,"sentiment":"neutral","sentiment_score":0.23827552795410156},{"text":"So that way we can make sure that we're considering the growth of other investments to plan for your retirement, to plan for your wealth journey.","start_word":1376,"end_word":1401,"sentiment":"positive","sentiment_score":0.3867701590061188},{"text":"So that's the only thing that would really come from that side. It's just us being able to you know, you sending those reports to us so we can consider and work with you on those. Yeah. I don't mind with that. K.","start_word":1402,"end_word":1444,"sentiment":"neutral","sentiment_score":0.25630101561546326},{"text":"Alright. Perfect. Alright. Well, I'll I'll make note of the fact that you're happy to to, I guess, stay with Oakview and, I guess, what your plans are for your SMSF account, and and we can go from there.","start_word":1445,"end_word":1483,"sentiment":"positive","sentiment_score":0.4950307309627533},{"text":"And if you have any questions, you can give us a call moving forward, and we can we can sort of address those. But, otherwise, we'll be in contact with you in the next few months to go through your your your annual review.","start_word":1484,"end_word":1527,"sentiment":"neutral","sentiment_score":0.2751767933368683},{"text":"But what I'll do is I'll make sure that the money transfers over to your SMSF funds smoothly.","start_word":1528,"end_word":1545,"sentiment":"positive","sentiment_score":0.3369702994823456},{"text":"And after this phone call, I'll send you an email with the contact number and the reference number for you to be able to contact Hub twenty four to verbally verify your SMSF bank details.","start_word":1546,"end_word":1580,"sentiment":"neutral","sentiment_score":0.2758966088294983},{"text":"So that way, the money, once it's sold down, can be transferred to your SMSF fund.","start_word":1581,"end_word":1596,"sentiment":"positive","sentiment_score":0.3504742383956909},{"text":"Okay? Okay.","start_word":1597,"end_word":1598,"sentiment":"neutral","sentiment_score":0.2448844611644745},{"text":"Thank you.","start_word":1599,"end_word":1600,"sentiment":"positive","sentiment_score":0.4732248485088349},{"text":"No. That's okay.","start_word":1601,"end_word":1603,"sentiment":"neutral","sentiment_score":0.01761237159371376},{"text":"Not a problem at all, Maxine. I'll get that all all sorted for you now. Okay. Thank you. Have a good day. Okay. You too.","start_word":1604,"end_word":1628,"sentiment":"positive","sentiment_score":0.603022575378418},{"text":"Bye. Bye.","start_word":1629,"end_word":1630,"sentiment":"neutral","sentiment_score":0.21817633509635925}],"average":{"sentiment":"neutral","sentiment_score":0.07556889175008911}}}}