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I had you booked in pretty quickly today, but just to go through those strategy recommendations after doing some research on dropping some of your investments, is now still a good time? No. That's okay. Yep. Just let me know when you have settled. Yeah. Okay. 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. Perfect. And just to confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address for me, please? Yep. Yep. Yep. Perfect. That's exactly what I have here. And I know you said you were at work, so I will try to make it as quickly as I can for you today. Do you have access to your emails or or not really right now? Okay. Perfect. Because what I've done is I've just sent you the recommendation via email. If you can access them at the same time, this makes it a little bit easier to kind of follow along some of the numbers and stuff. Sorry. Just let me know if that email came through okay. Yes. So the attachment, I will let you have a look over in your own time. Most of that is just the appendix where it's like investment links and research. But if you can click on the link for me, that will then open up the statement of advice so that you can view it first. And then let me know if you can see where it does say statement of advice, and that's just the photo of the Gold Coast on the cover page. Yeah. It is a fairly large document as well. A lot of it is just for compliance. So like I said, I'll try to make it quick, but sometimes that can take a little bit to load. Okay. Perfect. Now I have made a recommendation on swapping some of those investments around for you. At the end of the day, though, it is just a recommendation. It is completely up to you if you would like to go ahead with the change or not. And as outlined on page two, best interest duty. So we always have to follow this, which means that we have to act in your best interest at all time. And the advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation. Does that all make sense? Yep. Perfect. On the first page as well, if you wanted to, you could see my author authorized representative number there. And I'm obviously licensed under OTP Financial, and all our contact details and everything like that is on the cover page. Otherwise, if you wanna scroll down to page three for me, it could be page four as well depending on if you can see the cover page, but where it says scope of advice. Can you see that? Yes. Yep. Perfect. So yep. So, basically, what we are looking at today, pretty straightforward, mainly just your superannuation just to make sure that we can improve those returns a little bit for you and looking at swapping out of some of those ethical if it was going to be the best option for you for the time being, and then basically just updating your beneficiary nomination for your children only. So very straightforward today. Now down the track, if you wanna look at changing your insurances or a kind of I know we spoke briefly about self managed super funds or child investments. If there's ever anything that you wanna assess down the track as well, just let me know or give me a call on email. We can always book you in for an appointment to assess that at any point in time as well. Yeah. Yes. Yes. So we did. Now, basically, if you can kind of as you as you scroll through the documents, you will see some information about you, your assets as well. Just have a read quick read over just to make sure it's all up to date or if I need to make any changes. But, otherwise, I'll get you to stop on page nine. That looks good so far. Yep. Probably, maybe, sometimes savings and ETF could obviously change a little bit from when we did the fax line, which is okay. Yep. Yep. Yep. Okay. Yep. Okay. And do you know how sorry. No longer have the main residence and instead a little bit of obviously, cash. And is that oh, that's probably why we've already included that 400. Is that correct? Yeah. Alright. I will just update that on our records. That's no problem. Otherwise, it looks good. Yep. Okay. Perfect. Now on the following page where it says your current superannuation and insurances, you will see that you do have your current superannuation with HUB24, and you have your insurances with MetLife there. On the next couple of pages there, Tina, you will show talk a little bit about your risk profile. Can you see where I'm up to at the moment? Yep. Perfect. So we're not making any changes to your risk profile. We are keeping you in a high growth portfolio. It's definitely very suitable for, you know, the amount of times you have left until retirement and that you're, you know, pretty comfortable seeing a bit of short term fluctuation in order to try to grow that long term. So literally not making any changes. It's just basically changing some of your investments. So it is pretty straightforward today. Now what I might get you to do just to make it easy is if you wanna scroll down to page 17 for me, it should you should see a fee comparison table. Yep. You can see that table okay? Yep. Perfect. This usually makes it a little bit easier to kind of explain it, but, essentially, I have recommended that you stay in Hub 24 and just change your investment. Now I did, as part of the research, considered if hub twenty four is still the best option for you, so I considered other options as well. And it very much still is a really good competitive option in terms of, you know, features and fees and investment choices. So not making any changes to the super fund. I use hub twenty four for my personal super as well, and it's basically just changing the investments, which is really good in hub twenty four that there's hundreds and hundreds of different choices for us. Yeah. Perfect. Now as you can see here that by making the change, so literally just changing those investments, you can see a fee difference kind of at the bottom where it says the total cost of $591. So by making the change there, the new recommended investment arbiter cheaper than the current ethical portfolio, which obviously reduces that fee down a little bit for you, which is good. Now on the the return as well, so what I have shown you here first is just a five year rolling average. And you can see your current portfolio over a five year period is about 12.38, and you recommended about 13.56. But if you scroll down to one page below, I have also included the the twelve month, three years, and five years. So that kind of show you that looking more historically, it was more competitive. But more recently, with everything kind of going on, the in the last twelve months, your current portfolio has done a little bit less, being a bit more ethical than the the recommended. Does that all make sense so far? Yeah. Perfect. And at the table above that, you can kind of see projected forward five and ten years the difference in the outcome based on returns and the reduction in the fee. Now I do wanna mention to you as well that when we are making investment changes, if we are selling investments that have gone up, you do have to pay capital gains tax on those investments. So we're trying to limit that as much as possible with making the change, and it can fluctuate a little bit because it's on a daily as well. But by making the change, if you scroll up for me on that page 17 again, where it says difference of $303, that is the estimated tax. So it's not huge, which is good. That's something I do wanna let you know just so you do understand that. You don't need to do anything. It comes straight out of the super when you change the investment. Yeah. So it will be, like, if you go into your transaction statement in Hub 24, you can see it there, but you don't need to do anything. It automatically happens in super. Yeah. Perfect. To make it nice and easy. Now, basically, the couple of pages we we skipped over to get to this comparison, it outlines the recommendation in a little bit more detail. So when you have a bit more time, I'll let you have a read over it, but it basically explains why the recommendation is in your best interest, how it relates to your goal, why it was recommended. And then it also outlines, you know, advantages in regards to the investment change, which we've kind of touched on. We're not being lower investment fees and better performance. And, obviously, a disadvantage is the capital gains tax, and the risk to be mindful of is that there's always a level of risk associated with any investment option. Does that all make sense so far? Yep. Perfect. Now if you wanna scroll up to page 15 for me, I will just show you and talk you through a little bit of the changes in the investment. Yep. Yep. You can see, like, the investment table. Yep. Perfect. So at the top where it's the red, that's what we are selling. That's your current investment. And underneath that in black is what we are swapping it through. So how we put together that portfolio, it is using that core satellite approach to investment, which basically is that we invest majority of the funds in what we call your core investment, which represents the backbone of the portfolio. And these are essentially your more passive index funds, which has done really well in the past, and we believe will continue to do so in the future. For your core investment, you can see are typically your larger investment. So that is the iShares S and P five hundred at 30 5%. You may have heard of this one before. Yep. Perfect. And then you have the BetaShares Australia two hundred at 25%. And that one basically invests in the 200 largest companies listed on the ASX, like Commonwealth, BHP, Woolworths, all the big companies. Very diversified both of these, which is why they have a little bit of that higher holding. And then because we are in a high growth portfolio, we do wanna focus on your satellite investment, and these are a little bit more dynamic and specialized that target specific sectors or regions or assets in order to try to maximize that growth for you. But they can be a little bit more volatile, which is why they only have, like, a smaller portion allocated through them. So you can see, for example, we have 9% invested in Europe, 5% in Japan, 8% in Vanguard or world. This one excludes The US, sorry, because you already have exposures to The US in the iShares S and P 500, and we don't want you to having too much in one sector or region either. Does that make sense? Yep. Perfect. Another satellite is your beta share cybersecurity. Obviously, AI technology, not going anywhere anytime soon, so there's a lot of opportunities in this space. But we are keeping it to just about 6%. And then your bottom through there are your more kind of defensive investments. You're trying to stabilize fluctuations a little bit, But you have 5% in fixed interest and 7% in gold. Yep. Does that all make sense? Do you have any questions in regards to that? No? Okay. Yep. If you do wanna read up a little bit on these investments in more detail as well, so in the appendix, which was one of those attachments before you click on the link, it's there. So I've included links through each and every one of these investments so that you can actually go and have a look into it in a bit more detail as well if it is something you're interested in. Yeah. Perfect. Basically, from here, you will then have some information just some general information in regards to those beneficiary nomination just to get that updated through your children. Pretty straightforward. Otherwise, I will let you have a read over it. I've also included just some general information in regards to updating your will. I know you had a will in place, but I needed to just kind of be updated, based on your current situation. Obviously, when you have a moment, it is good to get that sorted. Otherwise, basically, from here, I do wanna quickly just mention the remuneration. So that is page 28. The headings should say remuneration. Yeah. Perfect. So if you are happy and you wanted to go ahead with the change in the investment, there is no additional fees or charges at all. It is all part of that ongoing advice fee, which stays exactly the same at 1.65%. So no changes in regards to it. Research and everything is just part of that fee for you. And then underneath it, you will see just your MetLife insurances. Again, it is just to show you that all you know, that we do receive commissions in regards to insurances, but that is MetLife paying us. It is not you paying us, and it's the same for every single insurer out there. So, you know, it doesn't sway us in any way to recommend one provider over the other. But for compliances, we need to disclose any, you know, any fees at all so that you are fully across that. Does that make sense? Yep. No. No. No. Exactly. It is all part of the service. So, yeah, there's no additional fees at all. Even if I did all of this and you go, you know what? I don't wanna do it. That's okay. Ultimately, it is up to you. It is a recommendation to help you achieve your goal, but there's no charges either way if you decide to go ahead or not at the end of the day. Yep. Perfect. Now that was basically everything. So it is pretty straightforward today. So, basically, from here, if you wanna take some time and have a read over the document, by all means, it does expire on the April 27, so you do have a little bit of time to have a read over it. Just let me know before the April 27 what you would like to do. Now if you do have a read over it and you are happy with the recommendation, if you simply click sign now on the document that you are in, it will then send it back, and it'll automatically send it back to me, and I can let the team know to go ahead with the change. Or if you don't want through, just let me know as well. Yep. Perfect. Do you have any questions or anything for me otherwise, Tina, before I let you go? Yep. No. That's okay. It is. And that's totally fine. I completely understand it. And, you know, we got there in the end, then and that is perfectly fine. But I will let you get back to work. Like I said, just keep a lookout on that twenty seventh April. But, otherwise, I will leave that with you, and we'll look forward to speaking with you soon again. Mhmm. No problem. You have a lovely rest of your day, Tina. Thanks. 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afternoon, Tina. This is Ranka from Achieve Financial. How are you? I'm good. Thank you.\n\nI had you booked in pretty quickly today, but just to go through those strategy recommendations after doing some research on dropping some of your investments, is now still a good time? No. That's okay. Yep. Just let me know when you have settled.\n\nYeah. Okay. 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. Perfect.\n\nAnd just to confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address for me, please? Yep. Yep. Yep. Perfect.\n\nThat's exactly what I have here. And I know you said you were at work, so I will try to make it as quickly as I can for you today. Do you have access to your emails or or not really right now? Okay. Perfect.\n\nBecause what I've done is I've just sent you the recommendation via email. If you can access them at the same time, this makes it a little bit easier to kind of follow along some of the numbers and stuff. Sorry. Just let me know if that email came through okay. Yes.\n\nSo the attachment, I will let you have a look over in your own time. Most of that is just the appendix where it's like investment links and research. But if you can click on the link for me, that will then open up the statement of advice so that you can view it first. And then let me know if you can see where it does say statement of advice, and that's just the photo of the Gold Coast on the cover page. Yeah.\n\nIt is a fairly large document as well. A lot of it is just for compliance. So like I said, I'll try to make it quick, but sometimes that can take a little bit to load. Okay. Perfect.\n\nNow I have made a recommendation on swapping some of those investments around for you. At the end of the day, though, it is just a recommendation. It is completely up to you if you would like to go ahead with the change or not. And as outlined on page two, best interest duty. So we always have to follow this, which means that we have to act in your best interest at all time.\n\nAnd the advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation. Does that all make sense? Yep. Perfect.\n\nOn the first page as well, if you wanted to, you could see my author authorized representative number there. And I'm obviously licensed under OTP Financial, and all our contact details and everything like that is on the cover page. Otherwise, if you wanna scroll down to page three for me, it could be page four as well depending on if you can see the cover page, but where it says scope of advice. Can you see that? Yes.\n\nYep. Perfect. So yep. So, basically, what we are looking at today, pretty straightforward, mainly just your superannuation just to make sure that we can improve those returns a little bit for you and looking at swapping out of some of those ethical if it was going to be the best option for you for the time being, and then basically just updating your beneficiary nomination for your children only. So very straightforward today.\n\nNow down the track, if you wanna look at changing your insurances or a kind of I know we spoke briefly about self managed super funds or child investments. If there's ever anything that you wanna assess down the track as well, just let me know or give me a call on email. We can always book you in for an appointment to assess that at any point in time as well. Yeah. Yes.\n\nYes. So we did. Now, basically, if you can kind of as you as you scroll through the documents, you will see some information about you, your assets as well. Just have a read quick read over just to make sure it's all up to date or if I need to make any changes. But, otherwise, I'll get you to stop on page nine.\n\nThat looks good so far. Yep. Probably, maybe, sometimes savings and ETF could obviously change a little bit from when we did the fax line, which is okay. Yep. Yep.\n\nYep. Okay. Yep. Okay. And do you know how sorry.\n\nNo longer have the main residence and instead a little bit of obviously, cash. And is that oh, that's probably why we've already included that 400. Is that correct? Yeah. Alright.\n\nI will just update that on our records. That's no problem. Otherwise, it looks good. Yep. Okay.\n\nPerfect. Now on the following page where it says your current superannuation and insurances, you will see that you do have your current superannuation with HUB24, and you have your insurances with MetLife there. On the next couple of pages there, Tina, you will show talk a little bit about your risk profile. Can you see where I'm up to at the moment? Yep.\n\nPerfect. So we're not making any changes to your risk profile. We are keeping you in a high growth portfolio. It's definitely very suitable for, you know, the amount of times you have left until retirement and that you're, you know, pretty comfortable seeing a bit of short term fluctuation in order to try to grow that long term. So literally not making any changes.\n\nIt's just basically changing some of your investments. So it is pretty straightforward today. Now what I might get you to do just to make it easy is if you wanna scroll down to page 17 for me, it should you should see a fee comparison table. Yep. You can see that table okay?\n\nYep. Perfect. This usually makes it a little bit easier to kind of explain it, but, essentially, I have recommended that you stay in Hub 24 and just change your investment. Now I did, as part of the research, considered if hub twenty four is still the best option for you, so I considered other options as well. And it very much still is a really good competitive option in terms of, you know, features and fees and investment choices.\n\nSo not making any changes to the super fund. I use hub twenty four for my personal super as well, and it's basically just changing the investments, which is really good in hub twenty four that there's hundreds and hundreds of different choices for us. Yeah. Perfect. Now as you can see here that by making the change, so literally just changing those investments, you can see a fee difference kind of at the bottom where it says the total cost of $591.\n\nSo by making the change there, the new recommended investment arbiter cheaper than the current ethical portfolio, which obviously reduces that fee down a little bit for you, which is good. Now on the the return as well, so what I have shown you here first is just a five year rolling average. And you can see your current portfolio over a five year period is about 12.38, and you recommended about 13.56. But if you scroll down to one page below, I have also included the the twelve month, three years, and five years. So that kind of show you that looking more historically, it was more competitive.\n\nBut more recently, with everything kind of going on, the in the last twelve months, your current portfolio has done a little bit less, being a bit more ethical than the the recommended. Does that all make sense so far? Yeah. Perfect. And at the table above that, you can kind of see projected forward five and ten years the difference in the outcome based on returns and the reduction in the fee.\n\nNow I do wanna mention to you as well that when we are making investment changes, if we are selling investments that have gone up, you do have to pay capital gains tax on those investments. So we're trying to limit that as much as possible with making the change, and it can fluctuate a little bit because it's on a daily as well. But by making the change, if you scroll up for me on that page 17 again, where it says difference of $303, that is the estimated tax. So it's not huge, which is good. That's something I do wanna let you know just so you do understand that.\n\nYou don't need to do anything. It comes straight out of the super when you change the investment. Yeah. So it will be, like, if you go into your transaction statement in Hub 24, you can see it there, but you don't need to do anything. It automatically happens in super.\n\nYeah. Perfect. To make it nice and easy. Now, basically, the couple of pages we we skipped over to get to this comparison, it outlines the recommendation in a little bit more detail. So when you have a bit more time, I'll let you have a read over it, but it basically explains why the recommendation is in your best interest, how it relates to your goal, why it was recommended.\n\nAnd then it also outlines, you know, advantages in regards to the investment change, which we've kind of touched on. We're not being lower investment fees and better performance. And, obviously, a disadvantage is the capital gains tax, and the risk to be mindful of is that there's always a level of risk associated with any investment option. Does that all make sense so far? Yep.\n\nPerfect. Now if you wanna scroll up to page 15 for me, I will just show you and talk you through a little bit of the changes in the investment. Yep. Yep. You can see, like, the investment table.\n\nYep. Perfect. So at the top where it's the red, that's what we are selling. That's your current investment. And underneath that in black is what we are swapping it through.\n\nSo how we put together that portfolio, it is using that core satellite approach to investment, which basically is that we invest majority of the funds in what we call your core investment, which represents the backbone of the portfolio. And these are essentially your more passive index funds, which has done really well in the past, and we believe will continue to do so in the future. For your core investment, you can see are typically your larger investment. So that is the iShares S and P five hundred at 30 5%. You may have heard of this one before.\n\nYep. Perfect. And then you have the BetaShares Australia two hundred at 25%. And that one basically invests in the 200 largest companies listed on the ASX, like Commonwealth, BHP, Woolworths, all the big companies. Very diversified both of these, which is why they have a little bit of that higher holding.\n\nAnd then because we are in a high growth portfolio, we do wanna focus on your satellite investment, and these are a little bit more dynamic and specialized that target specific sectors or regions or assets in order to try to maximize that growth for you. But they can be a little bit more volatile, which is why they only have, like, a smaller portion allocated through them. So you can see, for example, we have 9% invested in Europe, 5% in Japan, 8% in Vanguard or world. This one excludes The US, sorry, because you already have exposures to The US in the iShares S and P 500, and we don't want you to having too much in one sector or region either. Does that make sense?\n\nYep. Perfect. Another satellite is your beta share cybersecurity. Obviously, AI technology, not going anywhere anytime soon, so there's a lot of opportunities in this space. But we are keeping it to just about 6%.\n\nAnd then your bottom through there are your more kind of defensive investments. You're trying to stabilize fluctuations a little bit, But you have 5% in fixed interest and 7% in gold. Yep. Does that all make sense? Do you have any questions in regards to that?\n\nNo? Okay. Yep. If you do wanna read up a little bit on these investments in more detail as well, so in the appendix, which was one of those attachments before you click on the link, it's there. So I've included links through each and every one of these investments so that you can actually go and have a look into it in a bit more detail as well if it is something you're interested in.\n\nYeah. Perfect. Basically, from here, you will then have some information just some general information in regards to those beneficiary nomination just to get that updated through your children. Pretty straightforward. Otherwise, I will let you have a read over it.\n\nI've also included just some general information in regards to updating your will. I know you had a will in place, but I needed to just kind of be updated, based on your current situation. Obviously, when you have a moment, it is good to get that sorted. Otherwise, basically, from here, I do wanna quickly just mention the remuneration. So that is page 28.\n\nThe headings should say remuneration. Yeah. Perfect. So if you are happy and you wanted to go ahead with the change in the investment, there is no additional fees or charges at all. It is all part of that ongoing advice fee, which stays exactly the same at 1.65%.\n\nSo no changes in regards to it. Research and everything is just part of that fee for you. And then underneath it, you will see just your MetLife insurances. Again, it is just to show you that all you know, that we do receive commissions in regards to insurances, but that is MetLife paying us. It is not you paying us, and it's the same for every single insurer out there.\n\nSo, you know, it doesn't sway us in any way to recommend one provider over the other. But for compliances, we need to disclose any, you know, any fees at all so that you are fully across that. Does that make sense? Yep. No.\n\nNo. No. Exactly. It is all part of the service. So, yeah, there's no additional fees at all.\n\nEven if I did all of this and you go, you know what? I don't wanna do it. That's okay. Ultimately, it is up to you. It is a recommendation to help you achieve your goal, but there's no charges either way if you decide to go ahead or not at the end of the day.\n\nYep. Perfect. Now that was basically everything. So it is pretty straightforward today. So, basically, from here, if you wanna take some time and have a read over the document, by all means, it does expire on the April 27, so you do have a little bit of time to have a read over it.\n\nJust let me know before the April 27 what you would like to do. Now if you do have a read over it and you are happy with the recommendation, if you simply click sign now on the document that you are in, it will then send it back, and it'll automatically send it back to me, and I can let the team know to go ahead with the change. Or if you don't want through, just let me know as well. Yep. Perfect.\n\nDo you have any questions or anything for me otherwise, Tina, before I let you go? Yep. No. That's okay. It is.\n\nAnd that's totally fine. I completely understand it. And, you know, we got there in the end, then and that is perfectly fine. But I will let you get back to work. Like I said, just keep a lookout on that twenty seventh April.\n\nBut, otherwise, I will leave that with you, and we'll look forward to speaking with you soon again. Mhmm. No problem. You have a lovely rest of your day, Tina. Thanks.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Tina.","start":2.8,"end":3.84,"sentiment":"positive","sentiment_score":0.35564444462458294},{"text":"This is Ranka from Achieve Financial.","start":3.84,"end":5.7599998,"sentiment":"neutral","sentiment_score":0.2922628273566564},{"text":"How are you?","start":5.7599998,"end":6.58,"sentiment":"neutral","sentiment_score":0.20798621575037637},{"text":"I'm good.","start":9.28,"end":10.0,"sentiment":"positive","sentiment_score":0.4469395577907562},{"text":"Thank you.","start":10.0,"end":10.74,"sentiment":"positive","sentiment_score":0.5504741668701172}],"sentiment":"positive","sentiment_score":0.3399560246616602,"num_words":16,"start":2.8,"end":10.74},{"sentences":[{"text":"I had you booked in pretty quickly today, but just to go through those strategy recommendations after doing some research on dropping some of your investments, is now still a good time?","start":11.36,"end":22.064999,"sentiment":"neutral","sentiment_score":0.18426343449391425},{"text":"No.","start":30.22,"end":30.46,"sentiment":"neutral","sentiment_score":-0.08767203986644745},{"text":"That's okay.","start":30.46,"end":31.439999,"sentiment":"neutral","sentiment_score":-0.002999681979417801},{"text":"Yep.","start":32.78,"end":33.28,"sentiment":"neutral","sentiment_score":0.09569017589092256},{"text":"Just let me know when you have settled.","start":33.739998,"end":35.519997,"sentiment":"neutral","sentiment_score":0.09716261830180883}],"sentiment":"neutral","sentiment_score":0.1517215823246674,"num_words":44,"start":11.36,"end":35.519997},{"sentences":[{"text":"Yeah.","start":37.195,"end":37.695,"sentiment":"neutral","sentiment_score":0.13910949230194092},{"text":"Okay.","start":37.754997,"end":38.254997,"sentiment":"neutral","sentiment_score":0.1703718602657318},{"text":"Perfect.","start":38.315,"end":38.815,"sentiment":"neutral","sentiment_score":0.2579406499862671},{"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":39.675,"end":46.815,"sentiment":"neutral","sentiment_score":0.04359231722252122},{"text":"Perfect.","start":48.315,"end":48.815,"sentiment":"neutral","sentiment_score":0.28897783160209656}],"sentiment":"neutral","sentiment_score":0.06425991010936824,"num_words":33,"start":37.195,"end":48.815},{"sentences":[{"text":"And just to confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address for me, please?","start":48.875,"end":56.82,"sentiment":"neutral","sentiment_score":0.08314652034434779},{"text":"Yep.","start":60.96,"end":61.455,"sentiment":"neutral","sentiment_score":0.00942553486675024},{"text":"Yep.","start":63.295002,"end":63.795002,"sentiment":"neutral","sentiment_score":0.027064993977546692},{"text":"Yep.","start":68.415,"end":68.915,"sentiment":"neutral","sentiment_score":0.0919993221759796},{"text":"Perfect.","start":68.975,"end":69.475,"sentiment":"positive","sentiment_score":0.3840321898460388}],"sentiment":"neutral","sentiment_score":0.08859912517734549,"num_words":33,"start":48.875,"end":69.475},{"sentences":[{"text":"That's exactly what I have here.","start":69.535,"end":71.395004,"sentiment":"positive","sentiment_score":0.3948858380317688},{"text":"And I know you said you were at work, so I will try to make it as quickly as I can for you today.","start":71.775,"end":76.915,"sentiment":"neutral","sentiment_score":0.11989552310357492},{"text":"Do you have access to your emails or or not really right now?","start":77.99,"end":81.61,"sentiment":"neutral","sentiment_score":-0.000534190724675472},{"text":"Okay.","start":83.51,"end":83.91,"sentiment":"neutral","sentiment_score":0.137748584151268},{"text":"Perfect.","start":83.91,"end":84.39,"sentiment":"neutral","sentiment_score":0.25158804655075073}],"sentiment":"neutral","sentiment_score":0.12509332742128107,"num_words":45,"start":69.535,"end":84.39},{"sentences":[{"text":"Because what I've done is I've just sent you the recommendation via email.","start":84.39,"end":88.65,"sentiment":"neutral","sentiment_score":0.18914979696273804},{"text":"If you can access them at the same time, this makes it a little bit easier to kind of follow along some of the numbers and stuff.","start":89.270004,"end":95.995,"sentiment":"neutral","sentiment_score":0.21376798881424797},{"text":"Sorry.","start":98.615,"end":98.854996,"sentiment":"neutral","sentiment_score":0.022031476721167564},{"text":"Just let me know if that email came through okay.","start":98.854996,"end":101.195,"sentiment":"neutral","sentiment_score":0.022167876362800598},{"text":"Yes.","start":117.03,"end":117.53,"sentiment":"neutral","sentiment_score":0.04666936025023461}],"sentiment":"neutral","sentiment_score":0.16386658959807113,"num_words":52,"start":84.39,"end":117.53},{"sentences":[{"text":"So the attachment, I will let you have a look over in your own time.","start":117.795,"end":121.475,"sentiment":"neutral","sentiment_score":0.057684812446435293},{"text":"Most of that is just the appendix where it's like investment links and research.","start":121.475,"end":125.575,"sentiment":"neutral","sentiment_score":0.033287872094661},{"text":"But if you can click on the link for me, that will then open up the statement of advice so that you can view it first.","start":126.835,"end":133.495,"sentiment":"neutral","sentiment_score":0.08019190926391345},{"text":"And then let me know if you can see where it does say statement of advice, and that's just the photo of the Gold Coast on the cover page.","start":136.81,"end":145.23,"sentiment":"neutral","sentiment_score":0.029287929550327104},{"text":"Yeah.","start":150.265,"end":150.58499,"sentiment":"neutral","sentiment_score":-0.19988366961479187}],"sentiment":"neutral","sentiment_score":0.04783245087327326,"num_words":85,"start":117.795,"end":150.58499},{"sentences":[{"text":"It is a fairly large document as well.","start":150.58499,"end":152.505,"sentiment":"neutral","sentiment_score":-0.18840514682233334},{"text":"A lot of it is just for compliance.","start":152.505,"end":154.025,"sentiment":"neutral","sentiment_score":-0.15394286438822746},{"text":"So like I said, I'll try to make it quick, but sometimes that can take a little bit to load.","start":154.025,"end":158.765,"sentiment":"neutral","sentiment_score":-0.1683838725090027},{"text":"Okay.","start":161.54999,"end":162.04999,"sentiment":"neutral","sentiment_score":0.33209428191185},{"text":"Perfect.","start":162.11,"end":162.61,"sentiment":"positive","sentiment_score":0.6545345783233643}],"sentiment":"neutral","sentiment_score":-0.13473243893761383,"num_words":38,"start":150.58499,"end":162.61},{"sentences":[{"text":"Now I have made a recommendation on swapping some of those investments around for you.","start":164.03,"end":169.48999,"sentiment":"positive","sentiment_score":0.39505475958188374},{"text":"At the end of the day, though, it is just a recommendation.","start":169.62999,"end":172.04999,"sentiment":"neutral","sentiment_score":0.1246823991338412},{"text":"It is completely up to you if you would like to go ahead with the change or not.","start":172.11,"end":176.785,"sentiment":"neutral","sentiment_score":0.1772382166236639},{"text":"And as outlined on page two, best interest duty.","start":176.965,"end":181.525,"sentiment":"neutral","sentiment_score":0.05619578642977609},{"text":"So we always have to follow this, which means that we have to act in your best interest at all time.","start":181.525,"end":187.385,"sentiment":"neutral","sentiment_score":0.10798318577664238}],"sentiment":"neutral","sentiment_score":0.17847609415650367,"num_words":75,"start":164.03,"end":187.385},{"sentences":[{"text":"And the advice itself has to put you in a better position as a result of the advice.","start":187.64,"end":192.54,"sentiment":"neutral","sentiment_score":0.08026216158436404},{"text":"Otherwise, we can't actually make the recommendation.","start":192.68,"end":194.86,"sentiment":"neutral","sentiment_score":-0.12649503350257874},{"text":"Does that all make sense?","start":195.23999,"end":196.45999,"sentiment":"neutral","sentiment_score":0.0457222230732441},{"text":"Yep.","start":197.4,"end":197.8,"sentiment":"neutral","sentiment_score":0.2719220519065857},{"text":"Perfect.","start":197.8,"end":198.28,"sentiment":"positive","sentiment_score":0.4484540820121765}],"sentiment":"neutral","sentiment_score":0.047132528852671385,"num_words":32,"start":187.64,"end":198.28},{"sentences":[{"text":"On the first page as well, if you wanted to, you could see my author authorized representative number there.","start":198.28,"end":203.67499,"sentiment":"neutral","sentiment_score":0.15817607194185257},{"text":"And I'm obviously licensed under OTP Financial, and all our contact details and everything like that is on the cover page.","start":204.235,"end":210.89499,"sentiment":"neutral","sentiment_score":0.1333955554735093},{"text":"Otherwise, if you wanna scroll down to page three for me, it could be page four as well depending on if you can see the cover page, but where it says scope of advice.","start":211.915,"end":222.47,"sentiment":"neutral","sentiment_score":0.03779657804133261},{"text":"Can you see that?","start":222.47,"end":223.53,"sentiment":"neutral","sentiment_score":0.021267956122756004},{"text":"Yes.","start":227.125,"end":227.445,"sentiment":"neutral","sentiment_score":0.08972154557704926}],"sentiment":"neutral","sentiment_score":0.09198138044699083,"num_words":79,"start":198.28,"end":227.445},{"sentences":[{"text":"Yep.","start":227.445,"end":227.925,"sentiment":"neutral","sentiment_score":0.10006795823574066},{"text":"Perfect.","start":227.925,"end":228.425,"sentiment":"positive","sentiment_score":0.40790602564811707},{"text":"So yep.","start":228.88501,"end":230.005,"sentiment":"neutral","sentiment_score":0.16152582317590714},{"text":"So, basically, what we are looking at today, pretty straightforward, mainly just your superannuation just to make sure that we can improve those returns a little bit for you and looking at swapping out of some of those ethical if it was going to be the best option for you for the time being, and then basically just updating your beneficiary nomination for your children only.","start":230.005,"end":252.285,"sentiment":"neutral","sentiment_score":0.26280459558421915},{"text":"So very straightforward today.","start":252.60501,"end":254.545,"sentiment":"positive","sentiment_score":0.42656102031469345}],"sentiment":"neutral","sentiment_score":0.2686807164872015,"num_words":74,"start":227.445,"end":254.545},{"sentences":[{"text":"Now down the track, if you wanna look at changing your insurances or a kind of I know we spoke briefly about self managed super funds or child investments.","start":255.005,"end":264.605,"sentiment":"neutral","sentiment_score":0.07084684722639363},{"text":"If there's ever anything that you wanna assess down the track as well, just let me know or give me a call on email.","start":264.605,"end":270.44,"sentiment":"neutral","sentiment_score":0.10907020916541417},{"text":"We can always book you in for an appointment to assess that at any point in time as well.","start":270.44,"end":274.53998,"sentiment":"neutral","sentiment_score":0.23061730124448476},{"text":"Yeah.","start":275.72,"end":276.22,"sentiment":"neutral","sentiment_score":0.26074713468551636},{"text":"Yes.","start":278.52,"end":278.91998,"sentiment":"neutral","sentiment_score":0.26316899061203003}],"sentiment":"neutral","sentiment_score":0.1294309248442988,"num_words":74,"start":255.005,"end":278.91998},{"sentences":[{"text":"Yes.","start":278.91998,"end":279.24,"sentiment":"neutral","sentiment_score":0.23784655332565308},{"text":"So we did.","start":279.24,"end":280.13998,"sentiment":"neutral","sentiment_score":0.25601863364378613},{"text":"Now, basically, if you can kind of as you as you scroll through the documents, you will see some information about you, your assets as well.","start":280.28,"end":289.825,"sentiment":"neutral","sentiment_score":0.1413633402150411},{"text":"Just have a read quick read over just to make sure it's all up to date or if I need to make any changes.","start":290.605,"end":296.065,"sentiment":"neutral","sentiment_score":0.10872069746255875},{"text":"But, otherwise, I'll get you to stop on page nine.","start":297.38998,"end":300.69,"sentiment":"neutral","sentiment_score":0.041806959360837934}],"sentiment":"neutral","sentiment_score":0.1204486817587167,"num_words":64,"start":278.91998,"end":300.69},{"sentences":[{"text":"That looks good so far.","start":307.71,"end":309.16998,"sentiment":"positive","sentiment_score":0.4987772166728973},{"text":"Yep.","start":318.505,"end":319.005,"sentiment":"neutral","sentiment_score":0.07647202163934708},{"text":"Probably, maybe, sometimes savings and ETF could obviously change a little bit from when we did the fax line, which is okay.","start":320.025,"end":326.55,"sentiment":"neutral","sentiment_score":-0.0020164242860945788},{"text":"Yep.","start":331.97,"end":332.47,"sentiment":"neutral","sentiment_score":0.01166202872991562},{"text":"Yep.","start":333.73,"end":334.23,"sentiment":"neutral","sentiment_score":-0.02053293958306313}],"sentiment":"neutral","sentiment_score":0.08390419532855352,"num_words":30,"start":307.71,"end":334.23},{"sentences":[{"text":"Yep.","start":339.665,"end":340.165,"sentiment":"neutral","sentiment_score":-0.030222635716199875},{"text":"Okay.","start":343.265,"end":343.765,"sentiment":"neutral","sentiment_score":-0.024525821208953857},{"text":"Yep.","start":350.56,"end":351.06,"sentiment":"neutral","sentiment_score":0.005641039460897446},{"text":"Okay.","start":351.44,"end":351.94,"sentiment":"neutral","sentiment_score":0.000048364512622356415},{"text":"And do you know how sorry.","start":352.08,"end":353.54,"sentiment":"neutral","sentiment_score":-0.025136134897669155}],"sentiment":"neutral","sentiment_score":-0.019987586233764888,"num_words":10,"start":339.665,"end":353.54},{"sentences":[{"text":"No longer have the main residence and instead a little bit of obviously, cash.","start":353.68,"end":361.615,"sentiment":"neutral","sentiment_score":-0.036637279870254655},{"text":"And is that oh, that's probably why we've already included that 400.","start":361.615,"end":365.055,"sentiment":"neutral","sentiment_score":0.007227414384639512},{"text":"Is that correct?","start":365.055,"end":365.875,"sentiment":"neutral","sentiment_score":0.021257964273293812},{"text":"Yeah.","start":366.415,"end":366.815,"sentiment":"neutral","sentiment_score":0.08525098115205765},{"text":"Alright.","start":366.815,"end":367.315,"sentiment":"neutral","sentiment_score":0.14884892106056213}],"sentiment":"neutral","sentiment_score":-0.004139327436625477,"num_words":31,"start":353.68,"end":367.315},{"sentences":[{"text":"I will just update that on our records.","start":367.375,"end":369.615,"sentiment":"neutral","sentiment_score":0.14266446884721518},{"text":"That's no problem.","start":369.615,"end":370.595,"sentiment":"neutral","sentiment_score":0.25834569334983826},{"text":"Otherwise, it looks good.","start":372.335,"end":373.875,"sentiment":"positive","sentiment_score":0.38666877150535583},{"text":"Yep.","start":377.94,"end":378.34,"sentiment":"neutral","sentiment_score":0.10686014592647552},{"text":"Okay.","start":378.34,"end":378.84,"sentiment":"neutral","sentiment_score":0.23989859223365784}],"sentiment":"neutral","sentiment_score":0.2241050973534584,"num_words":17,"start":367.375,"end":378.84},{"sentences":[{"text":"Perfect.","start":378.98,"end":379.48,"sentiment":"positive","sentiment_score":0.37263357639312744},{"text":"Now on the following page where it says your current superannuation and insurances, you will see that you do have your current superannuation with HUB24, and you have your insurances with MetLife there.","start":380.26,"end":393.525,"sentiment":"neutral","sentiment_score":0.12639008394696497},{"text":"On the next couple of pages there, Tina, you will show talk a little bit about your risk profile.","start":395.505,"end":400.565,"sentiment":"neutral","sentiment_score":0.08927929519038451},{"text":"Can you see where I'm up to at the moment?","start":400.625,"end":402.645,"sentiment":"neutral","sentiment_score":0.06993463300168515},{"text":"Yep.","start":403.69998,"end":404.1,"sentiment":"neutral","sentiment_score":0.11277800053358078}],"sentiment":"neutral","sentiment_score":0.11018652009079233,"num_words":64,"start":378.98,"end":404.1},{"sentences":[{"text":"Perfect.","start":404.1,"end":404.6,"sentiment":"neutral","sentiment_score":0.32605087757110596},{"text":"So we're not making any changes to your risk profile.","start":404.74,"end":407.38,"sentiment":"neutral","sentiment_score":-0.10529597718268632},{"text":"We are keeping you in a high growth portfolio.","start":407.38,"end":409.56,"sentiment":"neutral","sentiment_score":0.12020915883800222},{"text":"It's definitely very suitable for, you know, the amount of times you have left until retirement and that you're, you know, pretty comfortable seeing a bit of short term fluctuation in order to try to grow that long term.","start":409.69998,"end":421.375,"sentiment":"positive","sentiment_score":0.6449686464590904},{"text":"So literally not making any changes.","start":421.75497,"end":423.595,"sentiment":"neutral","sentiment_score":0.1776293863852819}],"sentiment":"positive","sentiment_score":0.40883887793080737,"num_words":65,"start":404.1,"end":423.595},{"sentences":[{"text":"It's just basically changing some of your investments.","start":423.595,"end":425.935,"sentiment":"neutral","sentiment_score":0.29263050854206085},{"text":"So it is pretty straightforward today.","start":425.995,"end":428.175,"sentiment":"positive","sentiment_score":0.5298851331075033},{"text":"Now what I might get you to do just to make it easy is if you wanna scroll down to page 17 for me, it should you should see a fee comparison table.","start":429.85,"end":447.245,"sentiment":"neutral","sentiment_score":0.1883034794168039},{"text":"Yep.","start":449.38498,"end":449.705,"sentiment":"neutral","sentiment_score":0.0822458565235138},{"text":"You can see that table okay?","start":449.705,"end":451.085,"sentiment":"neutral","sentiment_score":0.0725070871412754}],"sentiment":"neutral","sentiment_score":0.22688255679828148,"num_words":54,"start":423.595,"end":451.085},{"sentences":[{"text":"Yep.","start":452.34497,"end":452.585,"sentiment":"neutral","sentiment_score":0.2041751593351364},{"text":"Perfect.","start":452.585,"end":452.985,"sentiment":"positive","sentiment_score":0.5322496294975281},{"text":"This usually makes it a little bit easier to kind of explain it, but, essentially, I have recommended that you stay in Hub 24 and just change your investment.","start":452.985,"end":462.36002,"sentiment":"neutral","sentiment_score":0.3265158225750101},{"text":"Now I did, as part of the research, considered if hub twenty four is still the best option for you, so I considered other options as well.","start":462.82,"end":470.36002,"sentiment":"positive","sentiment_score":0.3608609868420495},{"text":"And it very much still is a really good competitive option in terms of, you know, features and fees and investment choices.","start":470.775,"end":477.595,"sentiment":"positive","sentiment_score":0.5057993869889866}],"sentiment":"positive","sentiment_score":0.38845271002501247,"num_words":80,"start":452.34497,"end":477.595},{"sentences":[{"text":"So not making any changes to the super fund.","start":478.055,"end":481.095,"sentiment":"neutral","sentiment_score":0.13688899162742826},{"text":"I use hub twenty four for my personal super as well, and it's basically just changing the investments, which is really good in hub twenty four that there's hundreds and hundreds of different choices for us.","start":481.095,"end":492.37,"sentiment":"positive","sentiment_score":0.34291646257042885},{"text":"Yeah.","start":493.79,"end":494.27,"sentiment":"neutral","sentiment_score":-0.04583974555134773},{"text":"Perfect.","start":494.27,"end":494.77,"sentiment":"neutral","sentiment_score":0.23833325505256653},{"text":"Now as you can see here that by making the change, so literally just changing those investments, you can see a fee difference kind of at the bottom where it says the total cost of $591.","start":495.07,"end":509.92502,"sentiment":"neutral","sentiment_score":0.21470309173067412}],"sentiment":"neutral","sentiment_score":0.25902166733720217,"num_words":83,"start":478.055,"end":509.92502},{"sentences":[{"text":"So by making the change there, the new recommended investment arbiter cheaper than the current ethical portfolio, which obviously reduces that fee down a little bit for you, which is good.","start":510.785,"end":522.86,"sentiment":"positive","sentiment_score":0.3595712598293058},{"text":"Now on the the return as well, so what I have shown you here first is just a five year rolling average.","start":525.48,"end":531.675,"sentiment":"neutral","sentiment_score":0.311709426343441},{"text":"And you can see your current portfolio over a five year period is about 12.38, and you recommended about 13.56.","start":532.215,"end":543.56995,"sentiment":"neutral","sentiment_score":0.2671435005962849},{"text":"But if you scroll down to one page below, I have also included the the twelve month, three years, and five years.","start":544.11,"end":553.47,"sentiment":"neutral","sentiment_score":0.18387165326963772},{"text":"So that kind of show you that looking more historically, it was more competitive.","start":553.47,"end":558.885,"sentiment":"neutral","sentiment_score":0.300802367074149}],"sentiment":"neutral","sentiment_score":0.28994124731339443,"num_words":109,"start":510.785,"end":558.885},{"sentences":[{"text":"But more recently, with everything kind of going on, the in the last twelve months, your current portfolio has done a little bit less, being a bit more ethical than the the recommended.","start":559.505,"end":571.29,"sentiment":"neutral","sentiment_score":-0.16911464003902493},{"text":"Does that all make sense so far?","start":571.50995,"end":573.12994,"sentiment":"neutral","sentiment_score":0.039190218916961124},{"text":"Yeah.","start":574.06995,"end":574.56995,"sentiment":"neutral","sentiment_score":0.19813844561576843},{"text":"Perfect.","start":574.62994,"end":575.12994,"sentiment":"positive","sentiment_score":0.5005059838294983},{"text":"And at the table above that, you can kind of see projected forward five and ten years the difference in the outcome based on returns and the reduction in the fee.","start":575.43,"end":588.04504,"sentiment":"neutral","sentiment_score":0.15025812026954466}],"sentiment":"neutral","sentiment_score":0.0006875968346857045,"num_words":73,"start":559.505,"end":588.04504},{"sentences":[{"text":"Now I do wanna mention to you as well that when we are making investment changes, if we are selling investments that have gone up, you do have to pay capital gains tax on those investments.","start":588.585,"end":599.88,"sentiment":"neutral","sentiment_score":-0.05744269350543618},{"text":"So we're trying to limit that as much as possible with making the change, and it can fluctuate a little bit because it's on a daily as well.","start":600.42,"end":609.88,"sentiment":"neutral","sentiment_score":-0.05286344613081643},{"text":"But by making the change, if you scroll up for me on that page 17 again, where it says difference of $303, that is the estimated tax.","start":610.475,"end":621.915,"sentiment":"neutral","sentiment_score":0.03899581074990608},{"text":"So it's not huge, which is good.","start":621.915,"end":624.33496,"sentiment":"neutral","sentiment_score":0.30224878447396414},{"text":"That's something I do wanna let you know just so you do understand that.","start":624.59,"end":633.71,"sentiment":"neutral","sentiment_score":0.13303734308906964}],"sentiment":"neutral","sentiment_score":0.013241408276371658,"num_words":112,"start":588.585,"end":633.71},{"sentences":[{"text":"You don't need to do anything.","start":633.71,"end":634.91003,"sentiment":"neutral","sentiment_score":0.05068226531147957},{"text":"It comes straight out of the super when you change the investment.","start":634.91003,"end":637.63,"sentiment":"neutral","sentiment_score":0.08228909503668547},{"text":"Yeah.","start":637.63,"end":637.875,"sentiment":"neutral","sentiment_score":0.1928793042898178},{"text":"So it will be, like, if you go into your transaction statement in Hub 24, you can see it there, but you don't need to do anything.","start":637.875,"end":643.555,"sentiment":"neutral","sentiment_score":0.19102186102558066},{"text":"It automatically happens in super.","start":643.555,"end":646.295,"sentiment":"neutral","sentiment_score":0.24883621633052827}],"sentiment":"neutral","sentiment_score":0.15463163462631843,"num_words":51,"start":633.71,"end":646.295},{"sentences":[{"text":"Yeah.","start":646.435,"end":646.935,"sentiment":"neutral","sentiment_score":0.2691054940223694},{"text":"Perfect.","start":647.075,"end":647.555,"sentiment":"positive","sentiment_score":0.4701204001903534},{"text":"To make it nice and easy.","start":647.555,"end":649.095,"sentiment":"positive","sentiment_score":0.44569772978623706},{"text":"Now, basically, the couple of pages we we skipped over to get to this comparison, it outlines the recommendation in a little bit more detail.","start":649.715,"end":657.63,"sentiment":"neutral","sentiment_score":0.09778638511896133},{"text":"So when you have a bit more time, I'll let you have a read over it, but it basically explains why the recommendation is in your best interest, how it relates to your goal, why it was recommended.","start":657.93,"end":669.205,"sentiment":"neutral","sentiment_score":0.17256579881435946}],"sentiment":"neutral","sentiment_score":0.17486721487112447,"num_words":71,"start":646.435,"end":669.205},{"sentences":[{"text":"And then it also outlines, you know, advantages in regards to the investment change, which we've kind of touched on.","start":669.985,"end":675.985,"sentiment":"neutral","sentiment_score":0.11750277578830719},{"text":"We're not being lower investment fees and better performance.","start":675.985,"end":678.965,"sentiment":"neutral","sentiment_score":0.02683806584941016},{"text":"And, obviously, a disadvantage is the capital gains tax, and the risk to be mindful of is that there's always a level of risk associated with any investment option.","start":680.94,"end":691.04004,"sentiment":"neutral","sentiment_score":-0.24155386408855176},{"text":"Does that all make sense so far?","start":691.5,"end":693.2,"sentiment":"neutral","sentiment_score":0.05183947831392288},{"text":"Yep.","start":694.225,"end":694.70496,"sentiment":"neutral","sentiment_score":0.2727963328361511}],"sentiment":"neutral","sentiment_score":-0.057239261653387184,"num_words":66,"start":669.985,"end":694.70496},{"sentences":[{"text":"Perfect.","start":694.70496,"end":695.20496,"sentiment":"positive","sentiment_score":0.632128894329071},{"text":"Now if you wanna scroll up to page 15 for me, I will just show you and talk you through a little bit of the changes in the investment.","start":696.305,"end":703.365,"sentiment":"neutral","sentiment_score":0.19765335013126506},{"text":"Yep.","start":706.72,"end":707.22,"sentiment":"neutral","sentiment_score":0.04099152237176895},{"text":"Yep.","start":708.48,"end":708.8,"sentiment":"neutral","sentiment_score":0.05864796042442322},{"text":"You can see, like, the investment table.","start":708.8,"end":710.74,"sentiment":"neutral","sentiment_score":0.06027514647160258}],"sentiment":"neutral","sentiment_score":0.17655491169828635,"num_words":39,"start":694.70496,"end":710.74},{"sentences":[{"text":"Yep.","start":711.92,"end":712.32,"sentiment":"neutral","sentiment_score":0.1567072868347168},{"text":"Perfect.","start":712.32,"end":712.82,"sentiment":"positive","sentiment_score":0.3608435988426209},{"text":"So at the top where it's the red, that's what we are selling.","start":713.12,"end":716.24,"sentiment":"neutral","sentiment_score":0.12966024932953027},{"text":"That's your current investment.","start":716.24,"end":717.86,"sentiment":"neutral","sentiment_score":0.13129526562988758},{"text":"And underneath that in black is what we are swapping it through.","start":718.375,"end":721.755,"sentiment":"neutral","sentiment_score":0.08420812400678794}],"sentiment":"neutral","sentiment_score":0.12060686056652377,"num_words":31,"start":711.92,"end":721.755},{"sentences":[{"text":"So how we put together that portfolio, it is using that core satellite approach to investment, which basically is that we invest majority of the funds in what we call your core investment, which represents the backbone of the portfolio.","start":722.135,"end":739.01,"sentiment":"neutral","sentiment_score":0.15934838857501746},{"text":"And these are essentially your more passive index funds, which has done really well in the past, and we believe will continue to do so in the future.","start":739.31,"end":747.50494,"sentiment":"neutral","sentiment_score":0.32805805280804634},{"text":"For your core investment, you can see are typically your larger investment.","start":747.96497,"end":752.545,"sentiment":"neutral","sentiment_score":0.04659533221274614},{"text":"So that is the iShares S and P five hundred at 30 5%.","start":753.00494,"end":757.745,"sentiment":"neutral","sentiment_score":0.02154542090227971},{"text":"You may have heard of this one before.","start":758.16,"end":759.94,"sentiment":"neutral","sentiment_score":0.006501766270957887}],"sentiment":"neutral","sentiment_score":0.16287930307006188,"num_words":101,"start":722.135,"end":759.94},{"sentences":[{"text":"Yep.","start":761.51996,"end":761.83997,"sentiment":"neutral","sentiment_score":0.10900112241506577},{"text":"Perfect.","start":761.83997,"end":762.33997,"sentiment":"neutral","sentiment_score":0.21558187901973724},{"text":"And then you have the BetaShares Australia two hundred at 25%.","start":763.04,"end":767.3,"sentiment":"neutral","sentiment_score":0.10801558196544647},{"text":"And that one basically invests in the 200 largest companies listed on the ASX, like Commonwealth, BHP, Woolworths, all the big companies.","start":768.24,"end":776.545,"sentiment":"neutral","sentiment_score":0.10007518970153549},{"text":"Very diversified both of these, which is why they have a little bit of that higher holding.","start":777.485,"end":782.06494,"sentiment":"neutral","sentiment_score":0.132364760426914}],"sentiment":"neutral","sentiment_score":0.11470402891819294,"num_words":52,"start":761.51996,"end":782.06494},{"sentences":[{"text":"And then because we are in a high growth portfolio, we do wanna focus on your satellite investment, and these are a little bit more dynamic and specialized that target specific sectors or regions or assets in order to try to maximize that growth for you.","start":782.605,"end":799.32,"sentiment":"neutral","sentiment_score":0.15529701664395953},{"text":"But they can be a little bit more volatile, which is why they only have, like, a smaller portion allocated through them.","start":799.38,"end":806.605,"sentiment":"neutral","sentiment_score":-0.015865400518206032},{"text":"So you can see, for example, we have 9% invested in Europe, 5% in Japan, 8% in Vanguard or world.","start":807.785,"end":819.59,"sentiment":"neutral","sentiment_score":0.06219814624637365},{"text":"This one excludes The US, sorry, because you already have exposures to The US in the iShares S and P 500, and we don't want you to having too much in one sector or region either.","start":819.89,"end":830.69,"sentiment":"neutral","sentiment_score":-0.01667079806793481},{"text":"Does that make sense?","start":830.69,"end":831.75,"sentiment":"neutral","sentiment_score":0.08626268804073334}],"sentiment":"neutral","sentiment_score":0.06080850703801843,"num_words":128,"start":782.605,"end":831.75},{"sentences":[{"text":"Yep.","start":832.685,"end":833.005,"sentiment":"neutral","sentiment_score":0.12595871090888977},{"text":"Perfect.","start":833.005,"end":833.505,"sentiment":"neutral","sentiment_score":0.11776816099882126},{"text":"Another satellite is your beta share cybersecurity.","start":834.045,"end":837.185,"sentiment":"neutral","sentiment_score":0.07559580036572047},{"text":"Obviously, AI technology, not going anywhere anytime soon, so there's a lot of opportunities in this space.","start":838.685,"end":845.425,"sentiment":"neutral","sentiment_score":0.1000678556806901},{"text":"But we are keeping it to just about 6%.","start":845.7,"end":848.52,"sentiment":"neutral","sentiment_score":0.12099242789877786}],"sentiment":"neutral","sentiment_score":0.10179951063224248,"num_words":35,"start":832.685,"end":848.52},{"sentences":[{"text":"And then your bottom through there are your more kind of defensive investments.","start":849.46,"end":854.52,"sentiment":"neutral","sentiment_score":0.11141983591593228},{"text":"You're trying to stabilize fluctuations a little bit, But you have 5% in fixed interest and 7% in gold.","start":854.58,"end":863.39496,"sentiment":"neutral","sentiment_score":0.08895771636774666},{"text":"Yep.","start":864.735,"end":865.21497,"sentiment":"neutral","sentiment_score":0.18873855471611023},{"text":"Does that all make sense?","start":865.21497,"end":866.175,"sentiment":"neutral","sentiment_score":0.2113211691379547},{"text":"Do you have any questions in regards to that?","start":866.175,"end":868.51495,"sentiment":"neutral","sentiment_score":0.06889807515674168}],"sentiment":"neutral","sentiment_score":0.10646982031299713,"num_words":47,"start":849.46,"end":868.51495},{"sentences":[{"text":"No?","start":872.75,"end":873.25,"sentiment":"neutral","sentiment_score":-0.027985289692878723},{"text":"Okay.","start":873.31,"end":873.81,"sentiment":"neutral","sentiment_score":0.08921694755554199},{"text":"Yep.","start":874.11,"end":874.58997,"sentiment":"neutral","sentiment_score":0.17330995202064514},{"text":"If you do wanna read up a little bit on these investments in more detail as well, so in the appendix, which was one of those attachments before you click on the link, it's there.","start":874.58997,"end":884.835,"sentiment":"neutral","sentiment_score":0.12521690662418092},{"text":"So I've included links through each and every one of these investments so that you can actually go and have a look into it in a bit more detail as well if it is something you're interested in.","start":884.835,"end":893.175,"sentiment":"neutral","sentiment_score":0.14554040222183653}],"sentiment":"neutral","sentiment_score":0.1335219556073609,"num_words":76,"start":872.75,"end":893.175},{"sentences":[{"text":"Yeah.","start":894.515,"end":894.995,"sentiment":"neutral","sentiment_score":0.2520451545715332},{"text":"Perfect.","start":894.995,"end":895.495,"sentiment":"positive","sentiment_score":0.4500625729560852},{"text":"Basically, from here, you will then have some information just some general information in regards to those beneficiary nomination just to get that updated through your children.","start":897.12,"end":907.94,"sentiment":"neutral","sentiment_score":0.2528360640561139},{"text":"Pretty straightforward.","start":908.72003,"end":909.54004,"sentiment":"positive","sentiment_score":0.34444938600063324},{"text":"Otherwise, I will let you have a read over it.","start":910.095,"end":912.83496,"sentiment":"neutral","sentiment_score":0.18773738890886307}],"sentiment":"neutral","sentiment_score":0.24621839312518515,"num_words":41,"start":894.515,"end":912.83496},{"sentences":[{"text":"I've also included just some general information in regards to updating your will.","start":912.975,"end":917.235,"sentiment":"neutral","sentiment_score":0.13945052715448233},{"text":"I know you had a will in place, but I needed to just kind of be updated, based on your current situation.","start":917.535,"end":922.755,"sentiment":"neutral","sentiment_score":0.09550800259140405},{"text":"Obviously, when you have a moment, it is good to get that sorted.","start":922.89496,"end":926.62,"sentiment":"neutral","sentiment_score":0.13024000479624823},{"text":"Otherwise, basically, from here, I do wanna quickly just mention the remuneration.","start":927.8,"end":933.1,"sentiment":"neutral","sentiment_score":0.03211309248581529},{"text":"So that is page 28.","start":934.36,"end":936.3,"sentiment":"neutral","sentiment_score":0.05556521564722061}],"sentiment":"neutral","sentiment_score":0.09646671016055804,"num_words":65,"start":912.975,"end":936.3},{"sentences":[{"text":"The headings should say remuneration.","start":945.735,"end":947.435,"sentiment":"neutral","sentiment_score":0.051266780495643614},{"text":"Yeah.","start":949.19,"end":949.59,"sentiment":"neutral","sentiment_score":0.2989290952682495},{"text":"Perfect.","start":949.59,"end":949.99,"sentiment":"positive","sentiment_score":0.5107449889183044},{"text":"So if you are happy and you wanted to go ahead with the change in the investment, there is no additional fees or charges at all.","start":949.99,"end":958.33,"sentiment":"positive","sentiment_score":0.3983146227323092},{"text":"It is all part of that ongoing advice fee, which stays exactly the same at 1.65%.","start":958.47003,"end":964.66504,"sentiment":"positive","sentiment_score":0.404973566532135}],"sentiment":"positive","sentiment_score":0.36534214780038715,"num_words":49,"start":945.735,"end":964.66504},{"sentences":[{"text":"So no changes in regards to it.","start":964.965,"end":966.965,"sentiment":"neutral","sentiment_score":0.26464310927050455},{"text":"Research and everything is just part of that fee for you.","start":966.965,"end":970.585,"sentiment":"positive","sentiment_score":0.3802048049189828},{"text":"And then underneath it, you will see just your MetLife insurances.","start":970.805,"end":974.585,"sentiment":"neutral","sentiment_score":0.24996017867868597},{"text":"Again, it is just to show you that all you know, that we do receive commissions in regards to insurances, but that is MetLife paying us.","start":975.60504,"end":983.83,"sentiment":"neutral","sentiment_score":0.29161787033081055},{"text":"It is not you paying us, and it's the same for every single insurer out there.","start":983.83,"end":988.39,"sentiment":"neutral","sentiment_score":0.012132388743339106}],"sentiment":"neutral","sentiment_score":0.2332464708867942,"num_words":71,"start":964.965,"end":988.39},{"sentences":[{"text":"So, you know, it doesn't sway us in any way to recommend one provider over the other.","start":988.39,"end":993.385,"sentiment":"neutral","sentiment_score":-0.0028500043074874315},{"text":"But for compliances, we need to disclose any, you know, any fees at all so that you are fully across that.","start":993.445,"end":998.805,"sentiment":"neutral","sentiment_score":0.08384477808361962},{"text":"Does that make sense?","start":998.805,"end":999.945,"sentiment":"neutral","sentiment_score":0.08797795884311199},{"text":"Yep.","start":1001.205,"end":1001.705,"sentiment":"neutral","sentiment_score":0.13873368501663208},{"text":"No.","start":1004.5,"end":1005.0,"sentiment":"neutral","sentiment_score":0.013412181288003922}],"sentiment":"neutral","sentiment_score":0.05037154473195022,"num_words":44,"start":988.39,"end":1005.0},{"sentences":[{"text":"No.","start":1005.86,"end":1006.36,"sentiment":"neutral","sentiment_score":0.01169772818684578},{"text":"No.","start":1006.82,"end":1007.22003,"sentiment":"neutral","sentiment_score":0.03279902786016464},{"text":"Exactly.","start":1007.22003,"end":1007.72003,"sentiment":"neutral","sentiment_score":0.1927926242351532},{"text":"It is all part of the service.","start":1007.78,"end":1009.22003,"sentiment":"neutral","sentiment_score":0.29287328464644297},{"text":"So, yeah, there's no additional fees at all.","start":1009.22003,"end":1011.78,"sentiment":"neutral","sentiment_score":0.2131894351914525}],"sentiment":"neutral","sentiment_score":0.2218287696854936,"num_words":18,"start":1005.86,"end":1011.78},{"sentences":[{"text":"Even if I did all of this and you go, you know what?","start":1011.78,"end":1013.94,"sentiment":"neutral","sentiment_score":0.04246936939083613},{"text":"I don't wanna do it.","start":1013.94,"end":1014.82,"sentiment":"negative","sentiment_score":-0.33944926261901853},{"text":"That's okay.","start":1014.82,"end":1015.38,"sentiment":"neutral","sentiment_score":0.13568761199712753},{"text":"Ultimately, it is up to you.","start":1015.38,"end":1016.58,"sentiment":"neutral","sentiment_score":0.31626393149296445},{"text":"It is a recommendation to help you achieve your goal, but there's no charges either way if you decide to go ahead or not at the end of the day.","start":1016.58,"end":1024.1951,"sentiment":"neutral","sentiment_score":0.27412691215674084}],"sentiment":"neutral","sentiment_score":0.16513610119000077,"num_words":56,"start":1011.78,"end":1024.1951},{"sentences":[{"text":"Yep.","start":1025.215,"end":1025.6951,"sentiment":"neutral","sentiment_score":0.31254905462265015},{"text":"Perfect.","start":1025.6951,"end":1026.1951,"sentiment":"positive","sentiment_score":0.5583566427230835},{"text":"Now that was basically everything.","start":1027.4551,"end":1029.215,"sentiment":"positive","sentiment_score":0.4844160318374634},{"text":"So it is pretty straightforward today.","start":1029.215,"end":1031.475,"sentiment":"positive","sentiment_score":0.554778923590978},{"text":"So, basically, from here, if you wanna take some time and have a read over the document, by all means, it does expire on the April 27, so you do have a little bit of time to have a read over 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April.","start":1094.39,"end":1097.905,"sentiment":"neutral","sentiment_score":0.10496862356861432}],"sentiment":"neutral","sentiment_score":0.20143422484397888,"num_words":44,"start":1085.6699,"end":1097.905},{"sentences":[{"text":"But, otherwise, I will leave that with you, and we'll look forward to speaking with you soon again.","start":1097.905,"end":1102.245,"sentiment":"positive","sentiment_score":0.3593156788912084},{"text":"Mhmm.","start":1103.345,"end":1103.845,"sentiment":"positive","sentiment_score":0.611162543296814},{"text":"No problem.","start":1104.145,"end":1104.705,"sentiment":"positive","sentiment_score":0.6750820577144623},{"text":"You have a lovely rest of your day, Tina.","start":1104.705,"end":1106.725,"sentiment":"positive","sentiment_score":0.8131113780869378},{"text":"Thanks.","start":1108.0651,"end":1108.465,"sentiment":"positive","sentiment_score":0.6808520555496216}],"sentiment":"positive","sentiment_score":0.5299310753903081,"num_words":31,"start":1097.905,"end":1108.465},{"sentences":[{"text":"Bye.","start":1108.465,"end":1108.965,"sentiment":"positive","sentiment_score":0.4125450849533081}],"sentiment":"positive","sentiment_score":0.4125450849533081,"num_words":1,"start":1108.465,"end":1108.965}]}}]},{"alternatives":[{"transcript":"Hello. Tina speaking. Hi. I'm good. Thanks. How are you? Yeah. Yeah. Sorry. I'm just jumping into a a meeting room. So I'm I'm out of work, so that's fine. K. Concentrate. Yeah. Yeah. All good now. Yep. All good. Do you know how it's Susan Matt Carpenter? Twenty eighth of April 1982. And my address is 49 A Monash Parade, D Y. I do have access. Yep. Just a second. Yeah. I got the email. Was there a attachment, or is it a link? Yeah. Okay. Yeah. Okay. Yeah. Just give me a second. It's slow. Yeah. I got it now. Mhmm. Yes. Yep. Scroll up that side. Yep. Page it again. Yes. Yeah. I think we just renewed that last year, so I think that's all good. Yep. Looks like taking a look. Yeah. On page eight where my main residence and the asset values separated last year, and my ex brought me out of the house. So I no longer have that asset, but in in in so I did get some cash settlement out of that. Alright. Yeah. And settings. Yep. That's it. Yes. Yes. Yep. Yep. 70. Yep. Yes. Yeah. I'm I'm not good with that. Okay. Good. Yep. Yeah. Yeah. Mhmm. Yeah. Yeah. And will that is that automatically then recorded through you guys, or do I need to record it? Okay. Great. Excellent. Yep. Yep. Makes sense. Yep. 15. Yep. Yep. Mhmm. Yeah. Yeah. Yeah. I have. Yep. Yeah. Yeah. Yeah. Okay. No questions now. Mhmm. Okay. No. And let me just close the twenty eighteen. Yep. Yeah. Yeah. Okay. So there's no additional additional cost to making any changes part of the whole deal here. Okay. Okay. Okay. Okay. Thank you. No. I think that's it. So I'm I'm sorry it took a while to to get here because life is life is busy. Excellent. Thank you so much. You too. Cheers. 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Tina speaking. Hi. I'm good. Thanks.\n\nHow are you? Yeah. Yeah. Sorry. I'm just jumping into a a meeting room.\n\nSo I'm I'm out of work, so that's fine. K. Concentrate. Yeah. Yeah.\n\nAll good now. Yep. All good. Do you know how it's Susan Matt Carpenter? Twenty eighth of April 1982.\n\nAnd my address is 49 A Monash Parade, D Y. I do have access. Yep. Just a second. Yeah.\n\nI got the email. Was there a attachment, or is it a link? Yeah. Okay. Yeah.\n\nOkay. Yeah. Just give me a second. It's slow. Yeah.\n\nI got it now. Mhmm. Yes. Yep. Scroll up that side.\n\nYep. Page it again. Yes. Yeah. I think we just renewed that last year, so I think that's all good.\n\nYep. Looks like taking a look. Yeah. On page eight where my main residence and the asset values separated last year, and my ex brought me out of the house. So I no longer have that asset, but in in in so I did get some cash settlement out of that.\n\nAlright. Yeah. And settings. Yep. That's it.\n\nYes. Yes. Yep. Yep. 70.\n\nYep. Yes. Yeah. I'm I'm not good with that. Okay.\n\nGood. Yep. Yeah. Yeah. Mhmm.\n\nYeah. Yeah. And will that is that automatically then recorded through you guys, or do I need to record it? Okay. Great.\n\nExcellent. Yep. Yep. Makes sense. Yep.\n\n15. Yep. Yep. Mhmm. Yeah.\n\nYeah. Yeah. I have. Yep. Yeah.\n\nYeah. Yeah. Okay. No questions now. Mhmm.\n\nOkay. No. And let me just close the twenty eighteen. Yep. Yeah.\n\nYeah. Okay. So there's no additional additional cost to making any changes part of the whole deal here. Okay. Okay.\n\nOkay. Okay. Thank you. No. I think that's it.\n\nSo I'm I'm sorry it took a while to to get here because life is life is busy. Excellent. Thank you so much. You too. Cheers.\n\nBye bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.39999998,"end":0.9,"sentiment":"neutral","sentiment_score":0.04691204056143761},{"text":"Tina speaking.","start":1.4399999,"end":2.26,"sentiment":"neutral","sentiment_score":0.050726449117064476},{"text":"Hi.","start":7.44,"end":7.7599998,"sentiment":"positive","sentiment_score":0.3761892318725586},{"text":"I'm good.","start":7.7599998,"end":8.08,"sentiment":"positive","sentiment_score":0.5350534021854401},{"text":"Thanks.","start":8.08,"end":8.24,"sentiment":"positive","sentiment_score":0.6646472215652466}],"sentiment":"neutral","sentiment_score":0.32275831380060743,"num_words":7,"start":0.39999998,"end":8.24},{"sentences":[{"text":"How are 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good.","start":275.125,"end":278.07,"sentiment":"positive","sentiment_score":0.37613589423043386}],"sentiment":"positive","sentiment_score":0.34783580154180527,"num_words":20,"start":227.68001,"end":278.07},{"sentences":[{"text":"Yep.","start":305.515,"end":306.015,"sentiment":"neutral","sentiment_score":0.23600783944129944},{"text":"Looks like taking a look.","start":311.9,"end":313.61,"sentiment":"neutral","sentiment_score":0.21811528205871583},{"text":"Yeah.","start":326.845,"end":327.345,"sentiment":"neutral","sentiment_score":0.007987725548446178},{"text":"On page eight where my main residence and the asset values separated last year, and my ex brought me out of the house.","start":327.805,"end":339.48,"sentiment":"neutral","sentiment_score":-0.04859022261655849},{"text":"So I no longer have that asset, but in in in so I did get some cash settlement out of that.","start":339.48,"end":350.825,"sentiment":"neutral","sentiment_score":-0.04135709530895665}],"sentiment":"neutral","sentiment_score":-0.012774551889913924,"num_words":51,"start":305.515,"end":350.825},{"sentences":[{"text":"Alright.","start":356.245,"end":356.745,"sentiment":"neutral","sentiment_score":-0.017416937276721},{"text":"Yeah.","start":364.90002,"end":365.22,"sentiment":"neutral","sentiment_score":0.020830120891332623},{"text":"And settings.","start":365.22,"end":365.88,"sentiment":"neutral","sentiment_score":0.008473687805235386},{"text":"Yep.","start":365.94,"end":366.26,"sentiment":"neutral","sentiment_score":0.05892293155193329},{"text":"That's 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I'm not good with that.","start":492.235,"end":493.615,"sentiment":"negative","sentiment_score":-0.523020327091217},{"text":"Okay.","start":523.45496,"end":523.95496,"sentiment":"positive","sentiment_score":0.40925973653793335}],"sentiment":"neutral","sentiment_score":-0.27418503984808923,"num_words":10,"start":448.61002,"end":523.95496},{"sentences":[{"text":"Good.","start":524.175,"end":524.675,"sentiment":"positive","sentiment_score":0.4815746247768402},{"text":"Yep.","start":568.87994,"end":569.37994,"sentiment":"neutral","sentiment_score":-0.12269321084022522},{"text":"Yeah.","start":573.315,"end":573.815,"sentiment":"neutral","sentiment_score":0.07843567430973053},{"text":"Yeah.","start":588.78,"end":589.28,"sentiment":"neutral","sentiment_score":0.003865897655487061},{"text":"Mhmm.","start":605.33496,"end":605.83496,"sentiment":"neutral","sentiment_score":-0.012779864482581615}],"sentiment":"neutral","sentiment_score":0.08568062428385019,"num_words":5,"start":524.175,"end":605.83496},{"sentences":[{"text":"Yeah.","start":610.375,"end":610.875,"sentiment":"neutral","sentiment_score":0.02365545742213726},{"text":"Yeah.","start":626.775,"end":627.275,"sentiment":"neutral","sentiment_score":0.07275593280792236},{"text":"And will that is that automatically then recorded through you guys, or do I need to record it?","start":627.335,"end":633.59503,"sentiment":"neutral","sentiment_score":0.04575678240507841},{"text":"Okay.","start":636.455,"end":636.955,"sentiment":"neutral","sentiment_score":0.04288738965988159},{"text":"Great.","start":637.335,"end":637.835,"sentiment":"neutral","sentiment_score":0.305490106344223}],"sentiment":"neutral","sentiment_score":0.057655044069344345,"num_words":22,"start":610.375,"end":637.835},{"sentences":[{"text":"Excellent.","start":645.44,"end":645.94,"sentiment":"positive","sentiment_score":0.4504104852676392},{"text":"Yep.","start":691.585,"end":692.085,"sentiment":"neutral","sentiment_score":-0.017453471198678017},{"text":"Yep.","start":693.25995,"end":693.66,"sentiment":"neutral","sentiment_score":0.14798462390899658},{"text":"Makes sense.","start":693.66,"end":694.48,"sentiment":"neutral","sentiment_score":0.18261663615703583},{"text":"Yep.","start":705.875,"end":706.375,"sentiment":"neutral","sentiment_score":0.06184247136116028}],"sentiment":"neutral","sentiment_score":0.16800289694219828,"num_words":6,"start":645.44,"end":706.375},{"sentences":[{"text":"15.","start":707.315,"end":707.795,"sentiment":"neutral","sentiment_score":0.04466183856129646},{"text":"Yep.","start":707.795,"end":708.295,"sentiment":"neutral","sentiment_score":0.04864604398608208},{"text":"Yep.","start":710.995,"end":711.155,"sentiment":"neutral","sentiment_score":0.04867594689130783},{"text":"Mhmm.","start":711.155,"end":711.655,"sentiment":"neutral","sentiment_score":0.06040307879447937},{"text":"Yeah.","start":753.46,"end":753.96,"sentiment":"neutral","sentiment_score":0.023386655375361443}],"sentiment":"neutral","sentiment_score":0.04515471272170544,"num_words":5,"start":707.315,"end":753.96},{"sentences":[{"text":"Yeah.","start":756.82,"end":757.32,"sentiment":"neutral","sentiment_score":0.017217354848980904},{"text":"Yeah.","start":760.26,"end":760.58,"sentiment":"neutral","sentiment_score":0.03127435967326164},{"text":"I have.","start":760.58,"end":761.24005,"sentiment":"neutral","sentiment_score":0.03741499409079552},{"text":"Yep.","start":777.315,"end":777.815,"sentiment":"neutral","sentiment_score":0.11605019867420197},{"text":"Yeah.","start":830.795,"end":831.295,"sentiment":"neutral","sentiment_score":0.09648194909095764}],"sentiment":"neutral","sentiment_score":0.055975641744832196,"num_words":6,"start":756.82,"end":831.295},{"sentences":[{"text":"Yeah.","start":831.83496,"end":832.33496,"sentiment":"neutral","sentiment_score":0.09862159937620164},{"text":"Yeah.","start":863.995,"end":864.315,"sentiment":"neutral","sentiment_score":0.13161443173885343},{"text":"Okay.","start":864.315,"end":864.815,"sentiment":"neutral","sentiment_score":0.14433729648590088},{"text":"No questions now.","start":871.9,"end":873.52,"sentiment":"neutral","sentiment_score":-0.010909377907713255},{"text":"Mhmm.","start":889.805,"end":890.305,"sentiment":"neutral","sentiment_score":0.06183871626853943}],"sentiment":"neutral","sentiment_score":0.05766913002090795,"num_words":7,"start":831.83496,"end":890.305},{"sentences":[{"text":"Okay.","start":893.645,"end":894.145,"sentiment":"neutral","sentiment_score":0.13001582026481628},{"text":"No.","start":927.54004,"end":928.04004,"sentiment":"neutral","sentiment_score":-0.07359379529953003},{"text":"And let me just close the twenty eighteen.","start":939.915,"end":943.455,"sentiment":"neutral","sentiment_score":0.04006895516067743},{"text":"Yep.","start":948.395,"end":948.895,"sentiment":"neutral","sentiment_score":0.16413968801498413},{"text":"Yeah.","start":1000.315,"end":1000.47504,"sentiment":"neutral","sentiment_score":0.050322648137807846}],"sentiment":"neutral","sentiment_score":0.049286333533624806,"num_words":12,"start":893.645,"end":1000.47504},{"sentences":[{"text":"Yeah.","start":1000.47504,"end":1000.635,"sentiment":"neutral","sentiment_score":0.06286199390888214},{"text":"Okay.","start":1000.635,"end":1000.875,"sentiment":"neutral","sentiment_score":0.0828474760055542},{"text":"So there's no additional additional cost to making any changes part of the whole deal here.","start":1000.875,"end":1006.895,"sentiment":"neutral","sentiment_score":0.06770386989228427},{"text":"Okay.","start":1006.955,"end":1007.455,"sentiment":"neutral","sentiment_score":0.08162770420312881},{"text":"Okay.","start":1024.3251,"end":1024.8251,"sentiment":"neutral","sentiment_score":0.2171812802553177}],"sentiment":"neutral","sentiment_score":0.07638901863247156,"num_words":20,"start":1000.47504,"end":1024.8251},{"sentences":[{"text":"Okay.","start":1070.13,"end":1070.63,"sentiment":"neutral","sentiment_score":0.13061457872390747},{"text":"Okay.","start":1070.77,"end":1071.25,"sentiment":"neutral","sentiment_score":0.1667291820049286},{"text":"Thank you.","start":1071.25,"end":1072.07,"sentiment":"positive","sentiment_score":0.4720728099346161},{"text":"No.","start":1076.9299,"end":1077.17,"sentiment":"neutral","sentiment_score":-0.07796011865139008},{"text":"I think that's it.","start":1077.17,"end":1078.095,"sentiment":"neutral","sentiment_score":-0.09160282090306282}],"sentiment":"neutral","sentiment_score":0.08856866425938076,"num_words":9,"start":1070.13,"end":1078.095},{"sentences":[{"text":"So I'm I'm sorry it took a while to to get here because life is life is busy.","start":1078.335,"end":1084.4349,"sentiment":"neutral","sentiment_score":-0.1681679708676206},{"text":"Excellent.","start":1102.3,"end":1102.8,"sentiment":"positive","sentiment_score":0.83526611328125},{"text":"Thank you so much.","start":1102.9401,"end":1103.92,"sentiment":"positive","sentiment_score":0.7941077351570129},{"text":"You too.","start":1106.78,"end":1107.3401,"sentiment":"positive","sentiment_score":0.60139399766922},{"text":"Cheers.","start":1107.3401,"end":1107.8401,"sentiment":"positive","sentiment_score":0.6799647808074951}],"sentiment":"neutral","sentiment_score":0.11028562901684871,"num_words":26,"start":1078.335,"end":1107.8401},{"sentences":[{"text":"Bye bye.","start":1109.1329,"end":1109.8729,"sentiment":"neutral","sentiment_score":0.05171804875135422}],"sentiment":"neutral","sentiment_score":0.05171804875135422,"num_words":2,"start":1109.1329,"end":1109.8729}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Tina speaking.\n\nChannel 0: Good afternoon, Tina. This is Ranka from Achieve Financial. How are you?\n\nChannel 1: Hi. I'm good. Thanks. How are you?\n\nChannel 0: I'm good. Thank you. I had you booked in pretty quickly today, but just to go through those strategy recommendations after doing some research on dropping some of your investments, is now still a good time?\n\nChannel 1: Yeah. Yeah. Sorry. I'm just jumping into a a meeting room. So I'm I'm out of work, so that's fine.\n\nChannel 0: No. That's\n\nChannel 1: K.\n\nChannel 0: okay.\n\nChannel 1: Concentrate.\n\nChannel 0: Yep. Just let me know when you have settled.\n\nChannel 1: Yeah. Yeah. All good now.\n\nChannel 0: Yeah. Okay. 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: Yep.\n\nChannel 0: Perfect.\n\nChannel 1: All good.\n\nChannel 0: And just to confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address for me, please?\n\nChannel 1: Do you know how it's Susan Matt Carpenter? Twenty eighth\n\nChannel 0: Yep.\n\nChannel 1: of April 1982.\n\nChannel 0: Yep.\n\nChannel 1: And my address is 49 A Monash Parade, D Y.\n\nChannel 0: Yep. Perfect. That's exactly what I have here. And I know you said you were at work, so I will try to make it as quickly as I can for you today. Do you have access to your emails or or not really right now?\n\nChannel 1: I do have access.\n\nChannel 0: Okay. Perfect. Because what I've done is I've just sent you the recommendation via email. If you can access them at the same time, this makes it a little bit easier to kind of follow along some of the numbers and stuff.\n\nChannel 1: Yep.\n\nChannel 0: Sorry. Just let me know if that email came through okay.\n\nChannel 1: Just a second. Yeah. I got the email. Was there a attachment, or is it a link?\n\nChannel 0: Yes. So the attachment, I will let you have a look over in your own time. Most of that\n\nChannel 1: Yeah.\n\nChannel 0: is just the appendix\n\nChannel 1: Okay.\n\nChannel 0: where it's like investment links and research. But if you can click on the link for me, that will then open up the statement of advice so that you can view it first.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: And then let me know if you can see where it does say statement of advice, and that's just the photo of the Gold Coast on the cover page.\n\nChannel 1: Yeah. Just give me a second. It's slow.\n\nChannel 0: Yeah. It is a fairly large document as well. A lot of it is just for compliance. So like I said, I'll try to make it quick, but sometimes that can take a little bit to load.\n\nChannel 1: Yeah. I got it now.\n\nChannel 0: Okay. Perfect. Now I have made a recommendation on swapping some of those investments around for you. At the end of the day, though, it is just a recommendation. It is completely up to you if you would like to go ahead with the change or not.\n\nChannel 1: Mhmm.\n\nChannel 0: And as outlined on page two, best interest duty. So we always have to follow this, which means that we have to act in your best interest at all time. And the advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation. Does that all make sense?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect. On the first page as well, if you wanted to, you could see my author authorized representative number there. And I'm obviously licensed under OTP Financial, and all our contact details and everything like that is on the cover page. Otherwise, if you wanna scroll down to page three for me, it could be page four as well depending on if you can see the cover page, but where it says\n\nChannel 1: Yep.\n\nChannel 0: scope of advice. Can you see that?\n\nChannel 1: Scroll up that side.\n\nChannel 0: Yes. Yep.\n\nChannel 1: Yep.\n\nChannel 0: Perfect.\n\nChannel 1: Page it again.\n\nChannel 0: So yep. So, basically, what we are looking at today, pretty straightforward, mainly just your superannuation just to make sure that we can improve those returns a little bit for you and looking at swapping out of some of those ethical if it was going to be the best option for you for the time being, and then basically just updating your beneficiary nomination for your children only. So very\n\nChannel 1: Yes.\n\nChannel 0: straightforward today. Now down the track, if you wanna look at changing your insurances or a kind of I know we spoke briefly about self managed super funds or child investments. If there's ever anything that you wanna assess down the track as well, just let me know or give me a call on email. We can always book you in for an appointment to assess that at any point in time as well.\n\nChannel 1: Yeah. I think we just\n\nChannel 0: Yeah.\n\nChannel 1: renewed that last year, so I think that's all good.\n\nChannel 0: Yes. Yes. So we did. Now, basically, if you can kind of as you as you scroll through the documents, you will see some information about you, your assets as well. Just have a read quick read over just to make sure it's all up to date or if I need to make any changes.\n\nBut, otherwise, I'll get you to stop on page nine.\n\nChannel 1: Yep.\n\nChannel 0: That looks good so far.\n\nChannel 1: Looks like taking a look.\n\nChannel 0: Yep. Probably, maybe, sometimes savings and ETF could obviously change a little bit from when we did the fax line, which is okay.\n\nChannel 1: Yeah. On page eight where my main residence and\n\nChannel 0: Yep.\n\nChannel 1: the asset values\n\nChannel 0: Yep.\n\nChannel 1: separated last year, and my ex brought me out of the house. So\n\nChannel 0: Yep.\n\nChannel 1: I no longer have that asset,\n\nChannel 0: Okay.\n\nChannel 1: but in in in so I did get some cash settlement out of that.\n\nChannel 0: Yep. Okay. And do you know how sorry. No longer have the main residence\n\nChannel 1: Alright.\n\nChannel 0: and instead a little bit of obviously, cash. And is that oh, that's probably why we've already included that 400.\n\nChannel 1: Yeah.\n\nChannel 0: Is that\n\nChannel 1: And\n\nChannel 0: correct?\n\nChannel 1: settings. Yep. That's\n\nChannel 0: Yeah.\n\nChannel 1: it.\n\nChannel 0: Alright. I will just update that on our records. That's no problem. Otherwise, it looks good. Yep.\n\nChannel 1: Yes. Yes.\n\nChannel 0: Okay. Perfect. Now on the following page where it says your current superannuation and insurances, you will see that you do have your current superannuation with HUB24, and you have your insurances with MetLife there. On the next couple of pages there, Tina, you will show talk a little bit about your risk profile. Can you see where I'm up to at the moment?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. So we're not making any changes to your risk profile. We are keeping you in a high growth portfolio. It's definitely very suitable for, you know, the amount of times you have left until retirement and that you're, you know, pretty comfortable seeing a bit of short term fluctuation in order to try to grow that long term.\n\nSo literally not making any changes. It's just basically changing some of your investments. So it is pretty straightforward today.\n\nChannel 1: Yep.\n\nChannel 0: Now what I might get you to do just to make it easy is if you wanna scroll down to page 17 for me, it should you should see a fee comparison table.\n\nChannel 1: 70. Yep.\n\nChannel 0: Yep. You can see that table okay?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect. This usually makes it a little bit easier to kind of explain it, but, essentially, I have recommended that you stay in Hub 24 and just change your investment. Now I did, as part of the research, considered if hub twenty four is still the best option for you, so I considered other options as well. And it very much still is a really good competitive option in terms of, you know, features and fees and investment choices.\n\nSo not making any changes to the super fund. I use hub twenty four for my personal super as well, and it's basically just changing the investments, which is really good in hub twenty four that there's hundreds and hundreds of different choices for us.\n\nChannel 1: Yeah. I'm I'm not good with that.\n\nChannel 0: Yeah. Perfect. Now as you can see here that by making the change, so literally just changing those investments, you can see a fee difference kind of at the bottom where it says the total cost of $591. So by making the change there, the new recommended investment arbiter cheaper than the current ethical portfolio, which obviously reduces that fee down a little bit for you, which is good.\n\nChannel 1: Okay. Good.\n\nChannel 0: Now on the the return as well, so what I have shown you here first is just a five year rolling average. And you can see your current portfolio over a five year period is about 12.38, and you recommended about 13.56. But if you scroll down to one page below, I have also included the the twelve month, three years, and five years. So that kind of show you that looking more historically, it was more competitive. But more recently, with everything kind of going on, the in the last twelve months, your current portfolio has done a little bit less, being a\n\nChannel 1: Yep.\n\nChannel 0: bit more ethical than the the recommended. Does that all make sense so far?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Perfect. And at the table above that, you can kind of see projected forward five and ten years the difference in the outcome based on returns and the reduction in the fee. Now\n\nChannel 1: Yeah.\n\nChannel 0: I do wanna mention to you as well that when we are making investment changes, if we are selling investments that have gone up, you do have to pay capital gains tax on those investments. So we're trying to limit that as much as possible with making the change,\n\nChannel 1: Mhmm.\n\nChannel 0: and it can fluctuate a little bit because it's on a daily as well.\n\nChannel 1: Yeah.\n\nChannel 0: But by making the change, if you scroll up for me on that page 17 again, where it says difference of $303, that is the estimated tax. So it's not huge, which is good. That's something I do wanna let you know just so\n\nChannel 1: Yeah.\n\nChannel 0: you do understand\n\nChannel 1: And will that is that automatically then recorded through you guys, or do I need to record it?\n\nChannel 0: that. You don't need to do anything. It comes straight out of the super when\n\nChannel 1: Okay.\n\nChannel 0: you change the investment.\n\nChannel 1: Great.\n\nChannel 0: Yeah. So it will be, like, if you go into your transaction statement in Hub 24, you can see it there, but you don't need to do anything. It automatically happens\n\nChannel 1: Excellent.\n\nChannel 0: in super. Yeah. Perfect. To make it nice and easy. Now, basically, the couple of pages we we skipped over to get to this comparison, it outlines the recommendation in a little bit more detail.\n\nSo when you have a bit more time, I'll let you have a read over it, but it basically explains why the recommendation is in your best interest, how it relates to your goal, why it was recommended. And then it also outlines, you know, advantages in regards to the investment change, which we've kind of touched on. We're not being lower investment fees and better performance. And, obviously, a disadvantage is the capital gains tax, and the risk to be mindful of is that there's always a level of risk associated with any investment option. Does\n\nChannel 1: Yep.\n\nChannel 0: that all make sense so far?\n\nChannel 1: Yep. Makes sense.\n\nChannel 0: Yep. Perfect. Now if you wanna scroll up to page 15 for me, I will just show you and talk you through a little bit of the changes in the investment.\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: 15. Yep.\n\nChannel 0: Yep. You can see, like, the investment table.\n\nChannel 1: Yep. Mhmm.\n\nChannel 0: Yep. Perfect. So at the top where it's the red, that's what we are selling. That's your current investment. And underneath that in black is what we are swapping it through.\n\nSo how we put together that portfolio, it is using that core satellite approach to investment, which basically is that we invest majority of the funds in what we call your core investment, which represents the backbone of the portfolio. And these are essentially your more passive index funds, which has done really well in the past, and we believe will continue to do so in the future. For your core investment, you can see are typically your larger investment. So that is\n\nChannel 1: Yeah.\n\nChannel 0: the iShares S and P five hundred at 30\n\nChannel 1: Yeah.\n\nChannel 0: 5%. You may have heard of this one before.\n\nChannel 1: Yeah. I have.\n\nChannel 0: Yep. Perfect. And then you have the BetaShares Australia two hundred at 25%. And that one basically invests in the 200 largest companies listed on the ASX, like Commonwealth, BHP, Woolworths, all the big companies.\n\nChannel 1: Yep.\n\nChannel 0: Very diversified both of these, which is why they have a little bit of that higher holding. And then because we are in a high growth portfolio, we do wanna focus on your satellite investment, and these are a little bit more dynamic and specialized that target specific sectors or regions or assets in order to try to maximize that growth for you. But they can be a little bit more volatile, which is why they only have, like, a smaller portion allocated through them. So you can see, for example, we have 9% invested in Europe, 5% in Japan, 8% in Vanguard or world. This one excludes The US, sorry, because you already have exposures to The US in the iShares S and P 500, and we don't want you to having too much in one sector or region either.\n\nDoes\n\nChannel 1: Yeah.\n\nChannel 0: that make sense?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. Another satellite is your beta share cybersecurity. Obviously, AI technology, not going anywhere anytime soon, so there's a lot of opportunities in this space. But we are keeping it to just about 6%.\n\nAnd then your bottom through there are your more kind of defensive investments. You're trying to stabilize fluctuations a little bit, But you have 5% in fixed interest and 7% in gold.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Yep. Does that all make sense? Do you have any questions in regards to that?\n\nChannel 1: No questions\n\nChannel 0: No?\n\nChannel 1: now.\n\nChannel 0: Okay. Yep. If you do wanna read up a little bit on these investments in more detail as well, so in the appendix, which was one of those attachments before you click on the link, it's there. So I've included links through each and every one of these investments so that you can actually go and have a look into it\n\nChannel 1: Mhmm.\n\nChannel 0: in a bit more detail as well if it is something you're interested in.\n\nChannel 1: Okay.\n\nChannel 0: Yeah. Perfect. Basically, from here, you will then have some information just some general information in regards to those beneficiary nomination just to get that updated through your children. Pretty straightforward. Otherwise, I will let you have a read over it.\n\nI've also included just some general information in regards to updating your will. I know you had a will in place, but I needed to just kind of be updated, based on your current situation. Obviously, when you have a moment, it is good to get that sorted.\n\nChannel 1: No.\n\nChannel 0: Otherwise, basically, from here, I do wanna quickly just mention the remuneration. So that is page 28.\n\nChannel 1: And let me just close the twenty eighteen.\n\nChannel 0: The headings should say remuneration.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Perfect. So if you are happy and you wanted to go ahead with the change in the investment, there is no additional fees or charges at all. It is all part of that ongoing advice fee, which stays exactly the same at 1.65%. So no changes in regards to it.\n\nResearch and everything is just part of that fee for you. And then underneath it, you will see just your MetLife insurances. Again, it is just to show you that all you know, that we do receive commissions in regards to insurances, but that is MetLife paying us. It is not you paying us, and it's the same for every single insurer out there. So, you know, it doesn't sway us in any way to recommend one provider over the other.\n\nBut for compliances, we need to disclose any, you know, any fees at all so that you are fully across that. Does that make sense?\n\nChannel 1: Yeah. Yeah. Okay. So there's\n\nChannel 0: Yep.\n\nChannel 1: no additional additional cost to making any\n\nChannel 0: No.\n\nChannel 1: changes part of the whole\n\nChannel 0: No.\n\nChannel 1: deal here.\n\nChannel 0: No.\n\nChannel 1: Okay.\n\nChannel 0: Exactly. It is all part of the service. So, yeah, there's no additional fees at all. Even if I did all of this and you go, you know what? I don't wanna do it.\n\nThat's okay. Ultimately, it is up to you. It is a recommendation to help you achieve your goal, but there's no charges either way if you decide to go ahead or not at the end of the day.\n\nChannel 1: Okay.\n\nChannel 0: Yep. Perfect. Now that was basically everything. So it is pretty straightforward today. So, basically, from here, if you wanna take some time and have a read over the document, by all means, it does expire on the April 27, so you do have a little bit of time to have a read over it.\n\nJust let me know before the April 27 what you would like to do. Now if you do have a read over it and you are happy with the recommendation, if you simply click sign now on the document that you are in, it will then send it back, and it'll automatically send it back to me, and I can let the team know to go ahead with the change. Or if you don't want through, just let me know as well.\n\nChannel 1: Okay. Okay.\n\nChannel 0: Yep.\n\nChannel 1: Thank\n\nChannel 0: Perfect.\n\nChannel 1: you.\n\nChannel 0: Do you have any questions or anything for me otherwise, Tina, before I let you go?\n\nChannel 1: No. I think that's it. So\n\nChannel 0: Yep.\n\nChannel 1: I'm I'm sorry it took a while to to get here because\n\nChannel 0: No. That's\n\nChannel 1: life\n\nChannel 0: okay.\n\nChannel 1: is life is busy.\n\nChannel 0: It is. And that's totally fine. I completely understand it. And, you know, we got there in the end, then and that is perfectly fine. But I will let you get back to work.\n\nLike I said, just keep a lookout on that twenty seventh April. But, otherwise, I will leave that with you, and we'll look forward to speaking with you soon again.\n\nChannel 1: Excellent. Thank you so\n\nChannel 0: Mhmm.\n\nChannel 1: much.\n\nChannel 0: No problem. You have a lovely rest of your day, Tina.\n\nChannel 1: You too. Cheers.\n\nChannel 0: Thanks. Bye.\n\nChannel 1: Bye bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.39999998,"end":0.9,"sentiment":"neutral","sentiment_score":0.04691204056143761},{"text":"Tina speaking.","start":1.4399999,"end":2.26,"sentiment":"neutral","sentiment_score":0.050726449117064476}],"sentiment":"neutral","sentiment_score":0.049454979598522186,"channel":1,"num_words":3,"start":0.39999998,"end":2.26},{"sentences":[{"text":"Good afternoon, Tina.","start":2.8,"end":3.84,"sentiment":"positive","sentiment_score":0.35564444462458294},{"text":"This is Ranka from Achieve Financial.","start":3.84,"end":5.7599998,"sentiment":"neutral","sentiment_score":0.2922628273566564},{"text":"How are you?","start":5.7599998,"end":6.58,"sentiment":"neutral","sentiment_score":0.20798621575037637}],"sentiment":"neutral","sentiment_score":0.287039078772068,"channel":0,"num_words":12,"start":2.8,"end":6.58},{"sentences":[{"text":"Hi.","start":7.44,"end":7.7599998,"sentiment":"positive","sentiment_score":0.3761892318725586},{"text":"I'm good.","start":7.7599998,"end":8.08,"sentiment":"positive","sentiment_score":0.5350534021854401},{"text":"Thanks.","start":8.08,"end":8.24,"sentiment":"positive","sentiment_score":0.6646472215652466},{"text":"How are you?","start":8.24,"end":9.139999,"sentiment":"positive","sentiment_score":0.3785691062609355}],"sentiment":"positive","sentiment_score":0.46380722522735596,"channel":1,"num_words":7,"start":7.44,"end":9.139999},{"sentences":[{"text":"I'm good.","start":9.28,"end":10.0,"sentiment":"positive","sentiment_score":0.4469395577907562},{"text":"Thank you.","start":10.0,"end":10.74,"sentiment":"positive","sentiment_score":0.5504741668701172},{"text":"I had you booked in pretty quickly today, but just to go through those strategy recommendations after doing some research on dropping some of your investments, is now still a good time?","start":11.36,"end":22.064999,"sentiment":"neutral","sentiment_score":0.18426343449391425}],"sentiment":"neutral","sentiment_score":0.21920159314241675,"channel":0,"num_words":36,"start":9.28,"end":22.064999},{"sentences":[{"text":"Yeah.","start":22.005,"end":22.505,"sentiment":"neutral","sentiment_score":-0.0014039389789104462},{"text":"Yeah.","start":22.564999,"end":22.965,"sentiment":"neutral","sentiment_score":-0.021777961403131485},{"text":"Sorry.","start":22.965,"end":23.285,"sentiment":"neutral","sentiment_score":-0.12238539755344392},{"text":"I'm just jumping into a a meeting room.","start":23.285,"end":27.29,"sentiment":"neutral","sentiment_score":-0.18090581521391869},{"text":"So I'm I'm out of work, so that's fine.","start":27.29,"end":29.79,"sentiment":"neutral","sentiment_score":-0.17867542637719047}],"sentiment":"neutral","sentiment_score":-0.16004463285207748,"channel":1,"num_words":20,"start":22.005,"end":29.79},{"sentences":[{"text":"No.","start":30.22,"end":30.46,"sentiment":"neutral","sentiment_score":-0.08767203986644745},{"text":"That's","start":30.46,"end":30.939999,"sentiment":"neutral","sentiment_score":-0.04700606316328049}],"sentiment":"neutral","sentiment_score":-0.06733905151486397,"channel":0,"num_words":2,"start":30.22,"end":30.939999},{"sentences":[{"text":"K.","start":30.89,"end":31.21,"sentiment":"neutral","sentiment_score":-0.02491830848157406}],"sentiment":"neutral","sentiment_score":-0.02491830848157406,"channel":1,"num_words":1,"start":30.89,"end":31.21},{"sentences":[{"text":"okay.","start":30.939999,"end":31.439999,"sentiment":"neutral","sentiment_score":0.041006699204444885}],"sentiment":"neutral","sentiment_score":0.041006699204444885,"channel":0,"num_words":1,"start":30.939999,"end":31.439999},{"sentences":[{"text":"Concentrate.","start":31.21,"end":31.71,"sentiment":"neutral","sentiment_score":0.07662057131528854}],"sentiment":"neutral","sentiment_score":0.07662057131528854,"channel":1,"num_words":1,"start":31.21,"end":31.71},{"sentences":[{"text":"Yep.","start":32.78,"end":33.28,"sentiment":"neutral","sentiment_score":0.09569017589092256},{"text":"Just let me know when you have settled.","start":33.739998,"end":35.519997,"sentiment":"neutral","sentiment_score":0.09716261830180883}],"sentiment":"neutral","sentiment_score":0.09699901358948813,"channel":0,"num_words":9,"start":32.78,"end":35.519997},{"sentences":[{"text":"Yeah.","start":35.93,"end":36.25,"sentiment":"neutral","sentiment_score":0.11747686564922331},{"text":"Yeah.","start":36.25,"end":36.57,"sentiment":"neutral","sentiment_score":0.1631709635257721},{"text":"All good now.","start":36.57,"end":37.47,"sentiment":"neutral","sentiment_score":0.2869378825028737}],"sentiment":"neutral","sentiment_score":0.22829229533672332,"channel":1,"num_words":5,"start":35.93,"end":37.47},{"sentences":[{"text":"Yeah.","start":37.195,"end":37.695,"sentiment":"neutral","sentiment_score":0.13910949230194092},{"text":"Okay.","start":37.754997,"end":38.254997,"sentiment":"neutral","sentiment_score":0.1703718602657318},{"text":"Perfect.","start":38.315,"end":38.815,"sentiment":"neutral","sentiment_score":0.2579406499862671},{"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":39.675,"end":46.815,"sentiment":"neutral","sentiment_score":0.04359231722252122}],"sentiment":"neutral","sentiment_score":0.05723747506272048,"channel":0,"num_words":32,"start":37.195,"end":46.815},{"sentences":[{"text":"Yep.","start":47.225,"end":47.725,"sentiment":"neutral","sentiment_score":0.12584859132766724}],"sentiment":"neutral","sentiment_score":0.12584859132766724,"channel":1,"num_words":1,"start":47.225,"end":47.725},{"sentences":[{"text":"Perfect.","start":48.315,"end":48.815,"sentiment":"neutral","sentiment_score":0.28897783160209656}],"sentiment":"neutral","sentiment_score":0.28897783160209656,"channel":0,"num_words":1,"start":48.315,"end":48.815},{"sentences":[{"text":"All good.","start":48.345,"end":49.085,"sentiment":"neutral","sentiment_score":0.2761290669441223}],"sentiment":"neutral","sentiment_score":0.2761290669441223,"channel":1,"num_words":2,"start":48.345,"end":49.085},{"sentences":[{"text":"And just to confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address for me, please?","start":48.875,"end":56.82,"sentiment":"neutral","sentiment_score":0.08314652034434779}],"sentiment":"neutral","sentiment_score":0.08314652034434779,"channel":0,"num_words":29,"start":48.875,"end":56.82},{"sentences":[{"text":"Do you know how it's Susan Matt Carpenter?","start":58.089996,"end":60.109997,"sentiment":"neutral","sentiment_score":0.015797536238096654},{"text":"Twenty eighth","start":60.57,"end":61.05,"sentiment":"neutral","sentiment_score":0.00757899135351181}],"sentiment":"neutral","sentiment_score":0.014153827261179686,"channel":1,"num_words":10,"start":58.089996,"end":61.05},{"sentences":[{"text":"Yep.","start":60.96,"end":61.455,"sentiment":"neutral","sentiment_score":0.00942553486675024}],"sentiment":"neutral","sentiment_score":0.00942553486675024,"channel":0,"num_words":1,"start":60.96,"end":61.455},{"sentences":[{"text":"of April 1982.","start":61.05,"end":62.909996,"sentiment":"neutral","sentiment_score":0.011967316580315432}],"sentiment":"neutral","sentiment_score":0.011967316580315432,"channel":1,"num_words":3,"start":61.05,"end":62.909996},{"sentences":[{"text":"Yep.","start":63.295002,"end":63.795002,"sentiment":"neutral","sentiment_score":0.027064993977546692}],"sentiment":"neutral","sentiment_score":0.027064993977546692,"channel":0,"num_words":1,"start":63.295002,"end":63.795002},{"sentences":[{"text":"And my address is 49 A Monash Parade, D Y.","start":63.37,"end":68.055,"sentiment":"neutral","sentiment_score":0.03070258628576994}],"sentiment":"neutral","sentiment_score":0.03070258628576994,"channel":1,"num_words":10,"start":63.37,"end":68.055},{"sentences":[{"text":"Yep.","start":68.415,"end":68.915,"sentiment":"neutral","sentiment_score":0.0919993221759796},{"text":"Perfect.","start":68.975,"end":69.475,"sentiment":"positive","sentiment_score":0.3840321898460388},{"text":"That's exactly what I have here.","start":69.535,"end":71.395004,"sentiment":"positive","sentiment_score":0.3948858380317688},{"text":"And I know you said you were at work, so I will try to make it as quickly as I can for you today.","start":71.775,"end":76.915,"sentiment":"neutral","sentiment_score":0.11989552310357492},{"text":"Do you have access to your emails or or not really right now?","start":77.99,"end":81.61,"sentiment":"neutral","sentiment_score":-0.000534190724675472}],"sentiment":"neutral","sentiment_score":0.1270198803395033,"channel":0,"num_words":45,"start":68.415,"end":81.61},{"sentences":[{"text":"I do have access.","start":82.02,"end":83.079994,"sentiment":"neutral","sentiment_score":0.023640799336135387}],"sentiment":"neutral","sentiment_score":0.023640799336135387,"channel":1,"num_words":4,"start":82.02,"end":83.079994},{"sentences":[{"text":"Okay.","start":83.51,"end":83.91,"sentiment":"neutral","sentiment_score":0.137748584151268},{"text":"Perfect.","start":83.91,"end":84.39,"sentiment":"neutral","sentiment_score":0.25158804655075073},{"text":"Because what I've done is I've just sent you the recommendation via email.","start":84.39,"end":88.65,"sentiment":"neutral","sentiment_score":0.18914979696273804},{"text":"If you can access them at the same time, this makes it a little bit easier to kind of follow along some of the numbers and stuff.","start":89.270004,"end":95.995,"sentiment":"neutral","sentiment_score":0.21376798881424797}],"sentiment":"neutral","sentiment_score":0.2052385640286264,"channel":0,"num_words":42,"start":83.51,"end":95.995},{"sentences":[{"text":"Yep.","start":96.575,"end":97.075,"sentiment":"neutral","sentiment_score":0.0397418737411499}],"sentiment":"neutral","sentiment_score":0.0397418737411499,"channel":1,"num_words":1,"start":96.575,"end":97.075},{"sentences":[{"text":"Sorry.","start":98.615,"end":98.854996,"sentiment":"neutral","sentiment_score":0.022031476721167564},{"text":"Just let me know if that email came through okay.","start":98.854996,"end":101.195,"sentiment":"neutral","sentiment_score":0.022167876362800598}],"sentiment":"neutral","sentiment_score":0.022155476395379414,"channel":0,"num_words":11,"start":98.615,"end":101.195},{"sentences":[{"text":"Just a second.","start":102.975,"end":103.955,"sentiment":"neutral","sentiment_score":0.016801403214534123},{"text":"Yeah.","start":112.03999,"end":112.28,"sentiment":"neutral","sentiment_score":0.02719110995531082},{"text":"I got the email.","start":112.28,"end":113.079994,"sentiment":"neutral","sentiment_score":0.02728284988552332},{"text":"Was there a attachment, or is it a link?","start":113.079994,"end":116.86,"sentiment":"neutral","sentiment_score":0.010852666364775764}],"sentiment":"neutral","sentiment_score":0.016729453907293433,"channel":1,"num_words":17,"start":102.975,"end":116.86},{"sentences":[{"text":"Yes.","start":117.03,"end":117.53,"sentiment":"neutral","sentiment_score":0.04666936025023461},{"text":"So the attachment, I will let you have a look over in your own time.","start":117.795,"end":121.475,"sentiment":"neutral","sentiment_score":0.057684812446435293},{"text":"Most of that","start":121.475,"end":122.035,"sentiment":"neutral","sentiment_score":0.02602073239783446}],"sentiment":"neutral","sentiment_score":0.05210546021790881,"channel":0,"num_words":19,"start":117.03,"end":122.035},{"sentences":[{"text":"Yeah.","start":121.885,"end":122.385,"sentiment":"neutral","sentiment_score":0.017285320907831192}],"sentiment":"neutral","sentiment_score":0.017285320907831192,"channel":1,"num_words":1,"start":121.885,"end":122.385},{"sentences":[{"text":"is just the appendix","start":122.035,"end":123.255,"sentiment":"neutral","sentiment_score":0.021173723274841905}],"sentiment":"neutral","sentiment_score":0.021173723274841905,"channel":0,"num_words":4,"start":122.035,"end":123.255},{"sentences":[{"text":"Okay.","start":122.845,"end":123.345,"sentiment":"neutral","sentiment_score":0.03105774335563183}],"sentiment":"neutral","sentiment_score":0.03105774335563183,"channel":1,"num_words":1,"start":122.845,"end":123.345},{"sentences":[{"text":"where it's like investment links and research.","start":123.315,"end":125.575,"sentiment":"neutral","sentiment_score":0.043324731290340424},{"text":"But if you can click on the link for me, that will then open up the statement of advice so that you can view it first.","start":126.835,"end":133.495,"sentiment":"neutral","sentiment_score":0.08019190926391345}],"sentiment":"neutral","sentiment_score":0.07237159878467068,"channel":0,"num_words":33,"start":123.315,"end":133.495},{"sentences":[{"text":"Yeah.","start":133.80501,"end":134.045,"sentiment":"neutral","sentiment_score":0.04473261162638664},{"text":"Okay.","start":134.045,"end":134.545,"sentiment":"neutral","sentiment_score":0.02332981862127781}],"sentiment":"neutral","sentiment_score":0.034031215123832226,"channel":1,"num_words":2,"start":133.80501,"end":134.545},{"sentences":[{"text":"And then let me know if you can see where it does say statement of advice, and that's just the photo of the Gold Coast on the cover page.","start":136.81,"end":145.23,"sentiment":"neutral","sentiment_score":0.029287929550327104}],"sentiment":"neutral","sentiment_score":0.029287929550327104,"channel":0,"num_words":29,"start":136.81,"end":145.23},{"sentences":[{"text":"Yeah.","start":146.81,"end":147.12999,"sentiment":"neutral","sentiment_score":0.002285737544298172},{"text":"Just give me a second.","start":147.12999,"end":148.26999,"sentiment":"neutral","sentiment_score":-0.03997242897748947},{"text":"It's slow.","start":148.33,"end":149.15,"sentiment":"negative","sentiment_score":-0.3546517491340637}],"sentiment":"neutral","sentiment_score":-0.11335998820140958,"channel":1,"num_words":8,"start":146.81,"end":149.15},{"sentences":[{"text":"Yeah.","start":150.265,"end":150.58499,"sentiment":"neutral","sentiment_score":-0.19988366961479187},{"text":"It is a fairly large document as well.","start":150.58499,"end":152.505,"sentiment":"neutral","sentiment_score":-0.18840514682233334},{"text":"A lot of it is just for compliance.","start":152.505,"end":154.025,"sentiment":"neutral","sentiment_score":-0.15394286438822746},{"text":"So like I said, I'll try to make it quick, but sometimes that can take a little bit to load.","start":154.025,"end":158.765,"sentiment":"neutral","sentiment_score":-0.1683838725090027}],"sentiment":"neutral","sentiment_score":-0.17044176241836032,"channel":0,"num_words":37,"start":150.265,"end":158.765},{"sentences":[{"text":"Yeah.","start":159.235,"end":159.735,"sentiment":"neutral","sentiment_score":0.04342184215784073},{"text":"I got it now.","start":160.115,"end":161.095,"sentiment":"neutral","sentiment_score":0.11903181299567223}],"sentiment":"neutral","sentiment_score":0.10390981882810593,"channel":1,"num_words":5,"start":159.235,"end":161.095},{"sentences":[{"text":"Okay.","start":161.54999,"end":162.04999,"sentiment":"neutral","sentiment_score":0.33209428191185},{"text":"Perfect.","start":162.11,"end":162.61,"sentiment":"positive","sentiment_score":0.6545345783233643},{"text":"Now I have made a recommendation on swapping some of those investments around for you.","start":164.03,"end":169.48999,"sentiment":"positive","sentiment_score":0.39505475958188374},{"text":"At the end of the day, though, it is just a recommendation.","start":169.62999,"end":172.04999,"sentiment":"neutral","sentiment_score":0.1246823991338412},{"text":"It is completely up to you if you would like to go ahead with the change or not.","start":172.11,"end":176.785,"sentiment":"neutral","sentiment_score":0.1772382166236639}],"sentiment":"neutral","sentiment_score":0.24678567963394712,"channel":0,"num_words":47,"start":161.54999,"end":176.785},{"sentences":[{"text":"Mhmm.","start":176.82,"end":177.32,"sentiment":"neutral","sentiment_score":0.013823441229760649}],"sentiment":"neutral","sentiment_score":0.013823441229760649,"channel":1,"num_words":1,"start":176.82,"end":177.32},{"sentences":[{"text":"And as outlined on page two, best interest duty.","start":176.965,"end":181.525,"sentiment":"neutral","sentiment_score":0.05619578642977609},{"text":"So we always have to follow this, which means that we have to act in your best interest at all time.","start":181.525,"end":187.385,"sentiment":"neutral","sentiment_score":0.10798318577664238},{"text":"And the advice itself has to put you in a better position as a result of the advice.","start":187.64,"end":192.54,"sentiment":"neutral","sentiment_score":0.08026216158436404},{"text":"Otherwise, we can't actually make the recommendation.","start":192.68,"end":194.86,"sentiment":"neutral","sentiment_score":-0.12649503350257874},{"text":"Does that all make sense?","start":195.23999,"end":196.45999,"sentiment":"neutral","sentiment_score":0.0457222230732441}],"sentiment":"neutral","sentiment_score":0.05935456280906995,"channel":0,"num_words":60,"start":176.965,"end":196.45999},{"sentences":[{"text":"Yes.","start":196.73,"end":197.23,"sentiment":"neutral","sentiment_score":0.2159499078989029}],"sentiment":"neutral","sentiment_score":0.2159499078989029,"channel":1,"num_words":1,"start":196.73,"end":197.23},{"sentences":[{"text":"Yep.","start":197.4,"end":197.8,"sentiment":"neutral","sentiment_score":0.2719220519065857},{"text":"Perfect.","start":197.8,"end":198.28,"sentiment":"positive","sentiment_score":0.4484540820121765},{"text":"On the first page as well, if you wanted to, you could see my author authorized representative number there.","start":198.28,"end":203.67499,"sentiment":"neutral","sentiment_score":0.15817607194185257},{"text":"And I'm obviously licensed under OTP Financial, and all our contact details and everything like that is on the cover page.","start":204.235,"end":210.89499,"sentiment":"neutral","sentiment_score":0.1333955554735093},{"text":"Otherwise, if you wanna scroll down to page three for me, it could be page four as well depending on if you can see the cover page, but where it 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it again.","start":228.24,"end":229.14,"sentiment":"neutral","sentiment_score":0.2649088104565938}],"sentiment":"neutral","sentiment_score":0.2649088104565938,"channel":1,"num_words":3,"start":228.24,"end":229.14},{"sentences":[{"text":"So yep.","start":228.88501,"end":230.005,"sentiment":"neutral","sentiment_score":0.16152582317590714},{"text":"So, basically, what we are looking at today, pretty straightforward, mainly just your superannuation just to make sure that we can improve those returns a little bit for you and looking at swapping out of some of those ethical if it was going to be the best option for you for the time being, and then basically just updating your beneficiary nomination for your children only.","start":230.005,"end":252.285,"sentiment":"neutral","sentiment_score":0.26280459558421915},{"text":"So 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email.","start":264.605,"end":270.44,"sentiment":"neutral","sentiment_score":0.10907020916541417},{"text":"We can always book you in for an appointment to assess that at any point in time as well.","start":270.44,"end":274.53998,"sentiment":"neutral","sentiment_score":0.23061730124448476}],"sentiment":"neutral","sentiment_score":0.13439899534490463,"channel":0,"num_words":74,"start":253.24501,"end":274.53998},{"sentences":[{"text":"Yeah.","start":274.805,"end":275.125,"sentiment":"neutral","sentiment_score":0.2868797481060028},{"text":"I think we 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a","start":559.505,"end":568.94995,"sentiment":"neutral","sentiment_score":-0.1727735185279296}],"sentiment":"neutral","sentiment_score":0.15350745596851295,"channel":0,"num_words":104,"start":525.48,"end":568.94995},{"sentences":[{"text":"Yep.","start":568.87994,"end":569.37994,"sentiment":"neutral","sentiment_score":-0.12269321084022522}],"sentiment":"neutral","sentiment_score":-0.12269321084022522,"channel":1,"num_words":1,"start":568.87994,"end":569.37994},{"sentences":[{"text":"bit more ethical than the the recommended.","start":568.94995,"end":571.29,"sentiment":"neutral","sentiment_score":-0.155524519937379},{"text":"Does that all make sense so 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fee.","start":575.43,"end":588.04504,"sentiment":"neutral","sentiment_score":0.15025812026954466},{"text":"Now","start":588.585,"end":588.905,"sentiment":"neutral","sentiment_score":0.01567954570055008}],"sentiment":"neutral","sentiment_score":0.15800957951475592,"channel":0,"num_words":34,"start":574.06995,"end":588.905},{"sentences":[{"text":"Yeah.","start":588.78,"end":589.28,"sentiment":"neutral","sentiment_score":0.003865897655487061}],"sentiment":"neutral","sentiment_score":0.003865897655487061,"channel":1,"num_words":1,"start":588.78,"end":589.28},{"sentences":[{"text":"I do wanna mention to you as well that when we are making investment changes, if we are selling investments that have gone up, you do have to pay capital gains tax on those investments.","start":588.905,"end":599.88,"sentiment":"neutral","sentiment_score":-0.05953190033989293},{"text":"So we're trying to limit that as much as possible with making the change,","start":600.42,"end":604.76,"sentiment":"neutral","sentiment_score":-0.06935856305062771}],"sentiment":"neutral","sentiment_score":-0.06233951825724573,"channel":0,"num_words":49,"start":588.905,"end":604.76},{"sentences":[{"text":"Mhmm.","start":605.33496,"end":605.83496,"sentiment":"neutral","sentiment_score":-0.012779864482581615}],"sentiment":"neutral","sentiment_score":-0.012779864482581615,"channel":1,"num_words":1,"start":605.33496,"end":605.83496},{"sentences":[{"text":"and it can fluctuate a little bit because it's on a daily as 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happens","start":643.555,"end":644.855,"sentiment":"neutral","sentiment_score":0.18819990257422128}],"sentiment":"neutral","sentiment_score":0.1908086857968761,"channel":0,"num_words":31,"start":637.63,"end":644.855},{"sentences":[{"text":"Excellent.","start":645.44,"end":645.94,"sentiment":"positive","sentiment_score":0.4504104852676392}],"sentiment":"positive","sentiment_score":0.4504104852676392,"channel":1,"num_words":1,"start":645.44,"end":645.94},{"sentences":[{"text":"in super.","start":645.475,"end":646.295,"sentiment":"positive","sentiment_score":0.3397906869649887},{"text":"Yeah.","start":646.435,"end":646.935,"sentiment":"neutral","sentiment_score":0.2691054940223694},{"text":"Perfect.","start":647.075,"end":647.555,"sentiment":"positive","sentiment_score":0.4701204001903534},{"text":"To make it nice and easy.","start":647.555,"end":649.095,"sentiment":"positive","sentiment_score":0.44569772978623706},{"text":"Now, basically, the couple of pages we we skipped over to get to 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current investment.","start":716.24,"end":717.86,"sentiment":"neutral","sentiment_score":0.13129526562988758},{"text":"And underneath that in black is what we are swapping it through.","start":718.375,"end":721.755,"sentiment":"neutral","sentiment_score":0.08420812400678794}],"sentiment":"neutral","sentiment_score":0.12060686056652377,"channel":0,"num_words":31,"start":711.92,"end":721.755},{"sentences":[{"text":"So how we put together that portfolio, it is using that core satellite approach to investment, which basically is that we invest majority of the funds in what we call your core investment, which represents the backbone of the portfolio.","start":722.135,"end":739.01,"sentiment":"neutral","sentiment_score":0.15934838857501746},{"text":"And these are essentially your more passive index funds, which has done really well in the past, and we believe will continue to do so in the 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questions","start":871.9,"end":872.8,"sentiment":"neutral","sentiment_score":-0.021595563739538193}],"sentiment":"neutral","sentiment_score":-0.021595563739538193,"channel":1,"num_words":2,"start":871.9,"end":872.8},{"sentences":[{"text":"No?","start":872.75,"end":873.25,"sentiment":"neutral","sentiment_score":-0.027985289692878723}],"sentiment":"neutral","sentiment_score":-0.027985289692878723,"channel":0,"num_words":1,"start":872.75,"end":873.25},{"sentences":[{"text":"now.","start":873.02,"end":873.52,"sentiment":"neutral","sentiment_score":0.010462993755936624}],"sentiment":"neutral","sentiment_score":0.010462993755936624,"channel":1,"num_words":1,"start":873.02,"end":873.52},{"sentences":[{"text":"Okay.","start":873.31,"end":873.81,"sentiment":"neutral","sentiment_score":0.08921694755554199},{"text":"Yep.","start":874.11,"end":874.58997,"sentiment":"neutral","sentiment_score":0.17330995202064514},{"text":"If you do wanna read up a little bit on these investments in more detail as well, so in the appendix, which was one of those attachments before you click on the link, it's there.","start":874.58997,"end":884.835,"sentiment":"neutral","sentiment_score":0.12521690662418092},{"text":"So I've included links through each and every one of these investments so that you can actually go and have a look into it","start":884.835,"end":889.955,"sentiment":"neutral","sentiment_score":0.17697869086017212}],"sentiment":"neutral","sentiment_score":0.1457804460994533,"channel":0,"num_words":61,"start":873.31,"end":889.955},{"sentences":[{"text":"Mhmm.","start":889.805,"end":890.305,"sentiment":"neutral","sentiment_score":0.06183871626853943}],"sentiment":"neutral","sentiment_score":0.06183871626853943,"channel":1,"num_words":1,"start":889.805,"end":890.305},{"sentences":[{"text":"in a bit more detail as well if it is something you're interested in.","start":889.955,"end":893.175,"sentiment":"neutral","sentiment_score":0.09164619312754699}],"sentiment":"neutral","sentiment_score":0.09164619312754699,"channel":0,"num_words":14,"start":889.955,"end":893.175},{"sentences":[{"text":"Okay.","start":893.645,"end":894.145,"sentiment":"neutral","sentiment_score":0.13001582026481628}],"sentiment":"neutral","sentiment_score":0.13001582026481628,"channel":1,"num_words":1,"start":893.645,"end":894.145},{"sentences":[{"text":"Yeah.","start":894.515,"end":894.995,"sentiment":"neutral","sentiment_score":0.2520451545715332},{"text":"Perfect.","start":894.995,"end":895.495,"sentiment":"positive","sentiment_score":0.4500625729560852},{"text":"Basically, from here, you will then have some information just some general information in regards to those beneficiary nomination just to get that updated through your children.","start":897.12,"end":907.94,"sentiment":"neutral","sentiment_score":0.2528360640561139},{"text":"Pretty straightforward.","start":908.72003,"end":909.54004,"sentiment":"positive","sentiment_score":0.34444938600063324},{"text":"Otherwise, I will let you have a read over it.","start":910.095,"end":912.83496,"sentiment":"neutral","sentiment_score":0.18773738890886307}],"sentiment":"neutral","sentiment_score":0.24621839312518515,"channel":0,"num_words":41,"start":894.515,"end":912.83496},{"sentences":[{"text":"I've also included just some general information in regards to updating your will.","start":912.975,"end":917.235,"sentiment":"neutral","sentiment_score":0.13945052715448233},{"text":"I know you had a will in place, but I needed to just kind of be updated, based on your current situation.","start":917.535,"end":922.755,"sentiment":"neutral","sentiment_score":0.09550800259140405},{"text":"Obviously, when you have a moment, it is good to get that 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eighteen.","start":939.915,"end":943.455,"sentiment":"neutral","sentiment_score":0.04006895516067743}],"sentiment":"neutral","sentiment_score":0.04006895516067743,"channel":1,"num_words":8,"start":939.915,"end":943.455},{"sentences":[{"text":"The headings should say remuneration.","start":945.735,"end":947.435,"sentiment":"neutral","sentiment_score":0.051266780495643614}],"sentiment":"neutral","sentiment_score":0.051266780495643614,"channel":0,"num_words":5,"start":945.735,"end":947.435},{"sentences":[{"text":"Yep.","start":948.395,"end":948.895,"sentiment":"neutral","sentiment_score":0.16413968801498413}],"sentiment":"neutral","sentiment_score":0.16413968801498413,"channel":1,"num_words":1,"start":948.395,"end":948.895},{"sentences":[{"text":"Yeah.","start":949.19,"end":949.59,"sentiment":"neutral","sentiment_score":0.2989290952682495},{"text":"Perfect.","start":949.59,"end":949.99,"sentiment":"positive","sentiment_score":0.5107449889183044},{"text":"So if you are happy and you wanted to go ahead with the change in the investment, there is no additional fees or charges at all.","start":949.99,"end":958.33,"sentiment":"positive","sentiment_score":0.3983146227323092},{"text":"It is all part of that ongoing advice fee, which stays exactly the same at 1.65%.","start":958.47003,"end":964.66504,"sentiment":"positive","sentiment_score":0.404973566532135},{"text":"So no changes in regards to it.","start":964.965,"end":966.965,"sentiment":"neutral","sentiment_score":0.26464310927050455}],"sentiment":"positive","sentiment_score":0.38231241381635855,"channel":0,"num_words":51,"start":949.19,"end":966.965},{"sentences":[{"text":"Research and everything is just part of that fee for you.","start":966.965,"end":970.585,"sentiment":"positive","sentiment_score":0.3802048049189828},{"text":"And then underneath it, you will see just your MetLife insurances.","start":970.805,"end":974.585,"sentiment":"neutral","sentiment_score":0.24996017867868597},{"text":"Again, it is just to show you that all you know, that we do receive commissions in regards to insurances, but that is MetLife paying us.","start":975.60504,"end":983.83,"sentiment":"neutral","sentiment_score":0.29161787033081055},{"text":"It is not you paying us, and it's the same for every single insurer out there.","start":983.83,"end":988.39,"sentiment":"neutral","sentiment_score":0.012132388743339106},{"text":"So, you know, it doesn't sway us in any way to recommend one provider over the other.","start":988.39,"end":993.385,"sentiment":"neutral","sentiment_score":-0.0028500043074874315}],"sentiment":"neutral","sentiment_score":0.18098206907211814,"channel":0,"num_words":81,"start":966.965,"end":993.385},{"sentences":[{"text":"But for compliances, we need to disclose any, you know, any fees at all so that you are fully across that.","start":993.445,"end":998.805,"sentiment":"neutral","sentiment_score":0.08384477808361962},{"text":"Does that make 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additional fees at all.","start":1009.22003,"end":1011.78,"sentiment":"neutral","sentiment_score":0.2131894351914525},{"text":"Even if I did all of this and you go, you know what?","start":1011.78,"end":1013.94,"sentiment":"neutral","sentiment_score":0.04246936939083613},{"text":"I don't wanna do it.","start":1013.94,"end":1014.82,"sentiment":"negative","sentiment_score":-0.33944926261901853}],"sentiment":"neutral","sentiment_score":0.08244931139051914,"channel":0,"num_words":34,"start":1007.22003,"end":1014.82},{"sentences":[{"text":"That's okay.","start":1014.82,"end":1015.38,"sentiment":"neutral","sentiment_score":0.13568761199712753},{"text":"Ultimately, it is up to you.","start":1015.38,"end":1016.58,"sentiment":"neutral","sentiment_score":0.31626393149296445},{"text":"It is a recommendation to help you achieve your goal, but there's no charges either way if you decide to go ahead or not at the end of the day.","start":1016.58,"end":1024.1951,"sentiment":"neutral","sentiment_score":0.27412691215674084}],"sentiment":"neutral","sentiment_score":0.2734938467803754,"channel":0,"num_words":38,"start":1014.82,"end":1024.1951},{"sentences":[{"text":"Okay.","start":1024.3251,"end":1024.8251,"sentiment":"neutral","sentiment_score":0.2171812802553177}],"sentiment":"neutral","sentiment_score":0.2171812802553177,"channel":1,"num_words":1,"start":1024.3251,"end":1024.8251},{"sentences":[{"text":"Yep.","start":1025.215,"end":1025.6951,"sentiment":"neutral","sentiment_score":0.31254905462265015},{"text":"Perfect.","start":1025.6951,"end":1026.1951,"sentiment":"positive","sentiment_score":0.5583566427230835},{"text":"Now that was basically everything.","start":1027.4551,"end":1029.215,"sentiment":"positive","sentiment_score":0.4844160318374634},{"text":"So it is pretty straightforward today.","start":1029.215,"end":1031.475,"sentiment":"positive","sentiment_score":0.554778923590978},{"text":"So, basically, from here, if you wanna take some time and have a read over the document, by all means, it does expire on the April 27, so you do have a little bit of time to have a read over it.","start":1031.535,"end":1045.575,"sentiment":"neutral","sentiment_score":0.2724414808409555}],"sentiment":"neutral","sentiment_score":0.3284400289708918,"channel":0,"num_words":55,"start":1025.215,"end":1045.575},{"sentences":[{"text":"Just let me know before the April 27 what you would like to do.","start":1046.135,"end":1050.7949,"sentiment":"neutral","sentiment_score":0.21708621297563827},{"text":"Now if you do have a read over it and you are happy with the recommendation, if you simply click sign now on the document that you are in, it will then send it back, and it'll automatically send it back to me, and I can let the team know to go ahead with the change.","start":1051.095,"end":1066.48,"sentiment":"positive","sentiment_score":0.3754394187458924},{"text":"Or if you don't want through, just let me know as 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you have any questions or anything for me otherwise, Tina, before I let you go?","start":1071.9349,"end":1076.275,"sentiment":"neutral","sentiment_score":0.09793727868236601}],"sentiment":"neutral","sentiment_score":0.09793727868236601,"channel":0,"num_words":16,"start":1071.9349,"end":1076.275},{"sentences":[{"text":"No.","start":1076.9299,"end":1077.17,"sentiment":"neutral","sentiment_score":-0.07796011865139008},{"text":"I think that's 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because","start":1079.0549,"end":1082.115,"sentiment":"neutral","sentiment_score":-0.1638856896509727}],"sentiment":"neutral","sentiment_score":-0.1638856896509727,"channel":1,"num_words":12,"start":1079.0549,"end":1082.115},{"sentences":[{"text":"No.","start":1082.575,"end":1082.895,"sentiment":"neutral","sentiment_score":-0.1959150433540344},{"text":"That's","start":1082.895,"end":1083.215,"sentiment":"neutral","sentiment_score":-0.2704369127750397}],"sentiment":"neutral","sentiment_score":-0.23317597806453705,"channel":0,"num_words":2,"start":1082.575,"end":1083.215},{"sentences":[{"text":"life","start":1083.0549,"end":1083.2949,"sentiment":"neutral","sentiment_score":-0.3314535319805145}],"sentiment":"neutral","sentiment_score":-0.3314535319805145,"channel":1,"num_words":1,"start":1083.0549,"end":1083.2949},{"sentences":[{"text":"okay.","start":1083.215,"end":1083.715,"sentiment":"neutral","sentiment_score":-0.1969798058271408}],"sentiment":"neutral","sentiment_score":-0.1969798058271408,"channel":0,"num_words":1,"start":1083.215,"end":1083.715},{"sentences":[{"text":"is life is busy.","start":1083.2949,"end":1084.4349,"sentiment":"neutral","sentiment_score":-0.17195497825741768}],"sentiment":"neutral","sentiment_score":-0.17195497825741768,"channel":1,"num_words":4,"start":1083.2949,"end":1084.4349},{"sentences":[{"text":"It is.","start":1085.11,"end":1085.6699,"sentiment":"neutral","sentiment_score":-0.06046590767800808},{"text":"And that's totally fine.","start":1085.6699,"end":1087.0299,"sentiment":"neutral","sentiment_score":0.144568158313632},{"text":"I completely understand it.","start":1087.0299,"end":1088.47,"sentiment":"neutral","sentiment_score":0.1985372193157673},{"text":"And, you know, we got there in the end, then and that is perfectly fine.","start":1088.47,"end":1091.85,"sentiment":"positive","sentiment_score":0.3669301927089691},{"text":"But I will let you get back to work.","start":1092.3099,"end":1094.39,"sentiment":"neutral","sentiment_score":0.08078977879550722}],"sentiment":"neutral","sentiment_score":0.22007501749869654,"channel":0,"num_words":34,"start":1085.11,"end":1094.39},{"sentences":[{"text":"Like I said, just keep a lookout on that twenty seventh April.","start":1094.39,"end":1097.905,"sentiment":"neutral","sentiment_score":0.10496862356861432},{"text":"But, otherwise, I will leave that with you, and we'll look forward to speaking with you soon again.","start":1097.905,"end":1102.245,"sentiment":"positive","sentiment_score":0.3593156788912084}],"sentiment":"neutral","sentiment_score":0.2575768567621708,"channel":0,"num_words":30,"start":1094.39,"end":1102.245},{"sentences":[{"text":"Excellent.","start":1102.3,"end":1102.8,"sentiment":"positive","sentiment_score":0.83526611328125},{"text":"Thank you 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Tina.","start":1104.705,"end":1106.725,"sentiment":"positive","sentiment_score":0.8131113780869378}],"sentiment":"positive","sentiment_score":0.788015138019215,"channel":0,"num_words":11,"start":1104.145,"end":1106.725},{"sentences":[{"text":"You too.","start":1106.78,"end":1107.3401,"sentiment":"positive","sentiment_score":0.60139399766922},{"text":"Cheers.","start":1107.3401,"end":1107.8401,"sentiment":"positive","sentiment_score":0.6799647808074951}],"sentiment":"positive","sentiment_score":0.6275842587153116,"channel":1,"num_words":3,"start":1106.78,"end":1107.8401},{"sentences":[{"text":"Thanks.","start":1108.0651,"end":1108.465,"sentiment":"positive","sentiment_score":0.6808520555496216},{"text":"Bye.","start":1108.465,"end":1108.965,"sentiment":"positive","sentiment_score":0.4125450849533081}],"sentiment":"positive","sentiment_score":0.5466985702514648,"channel":0,"num_words":2,"start":1108.0651,"end":1108.965},{"sentences":[{"text":"Bye bye.","start":1109.1329,"end":1109.8729,"sentiment":"neutral","sentiment_score":0.05171804875135422}],"sentiment":"neutral","sentiment_score":0.05171804875135422,"channel":1,"num_words":2,"start":1109.1329,"end":1109.8729}]},"summary":{"result":"success","short":"A representative from Achieve Financial named Ranka guides Tina through investment strategy recommendations and updates her beneficiary nomination and asset values. They also discuss changing her risk profile and recommend a six-year rolling average and reduced fee for her investment portfolio. The agent explains the process for swapping investments and provides information on fees and beneficiary nomination updates. The agent also discusses the investment portfolio with Tina and emphasizes the diversification of the portfolio, as well as updating her beneficiary nomination and annual fee. The agent provides information on fees and advises Tina to read the documents before making a decision."},"intents":{"segments":[{"text":"And just to confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address for me, please?","start_word":133,"end_word":161,"intents":[{"intent":"Confirm identity","confidence_score":0.62391114},{"intent":"Confirm identity","confidence_score":0.12546317}]},{"text":"Do you have access to your emails or or not really right now? I do have access.","start_word":219,"end_word":235,"intents":[{"intent":"Access email","confidence_score":0.22241126}]},{"text":"where it's like investment links and research. But if you can click on the link for me, that will then open up the statement of advice so that you can view it first. Yeah.","start_word":332,"end_word":365,"intents":[{"intent":"View statement of advice","confidence_score":0.064438134}]},{"text":"Now I have made a recommendation on swapping some of those investments around for you.","start_word":448,"end_word":462,"intents":[{"intent":"Swap investments","confidence_score":0.12797776}]},{"text":"Now I have made a recommendation on swapping some of those investments around for you. At the end of the day, though, it is just a recommendation. It is completely up to you if you would like to go ahead with the change or not. Mhmm.","start_word":448,"end_word":493,"intents":[{"intent":"Assist with recommendations","confidence_score":0.005784912}]},{"text":"So, basically, what we are looking at today, pretty straightforward, mainly just your superannuation just to make sure that we can improve those returns a little bit for you and looking at swapping out of some of those ethical if it was going to be the best option for you for the time being, and then basically just updating your beneficiary nomination for your children only.","start_word":649,"end_word":714,"intents":[{"intent":"Update beneficiary nomination","confidence_score":0.6627238}]},{"text":"So, basically, what we are looking at today, pretty straightforward, mainly just your superannuation just to make sure that we can improve those returns a little bit for you and looking at swapping out of some of those ethical if it was going to be the best option for you for the time being, and then basically just updating your beneficiary nomination for your children only. So very Yes.","start_word":649,"end_word":717,"intents":[{"intent":"Improve returns","confidence_score":0.497717}]},{"text":"Now, basically, if you can kind of as you as you scroll through the documents, you will see some information about you, your assets as well. Just have a read quick read over just to make sure it's all up to date or if I need to make any changes. But, otherwise, I'll get you to stop on page nine. Yep.","start_word":813,"end_word":873,"intents":[{"intent":"Assess assets","confidence_score":0.13464183}]},{"text":"I will just update that on our records. That's no problem.","start_word":1002,"end_word":1012,"intents":[{"intent":"Update records","confidence_score":0.12172331}]},{"text":"But more recently, with everything kind of going on, the in the last twelve months, your current portfolio has done a little bit less, being a Yep. bit more ethical than the the recommended. Does that all make sense so far? Yeah.","start_word":1491,"end_word":1532,"intents":[{"intent":"Explain portfolio approach and recommendations","confidence_score":8.5913763e-7}]},{"text":"I do wanna mention to you as well that when we are making investment changes, if we are selling investments that have gone up, you do have to pay capital gains tax on those investments. So we're trying to limit that as much as possible with making the change, Mhmm.","start_word":1567,"end_word":1616,"intents":[{"intent":"Limit investment changes and fees","confidence_score":0.00894833}]},{"text":"I do wanna mention to you as well that when we are making investment changes, if we are selling investments that have gone up, you do have to pay capital gains tax on those investments. So we're trying to limit that as much as possible with making the change, Mhmm. and it can fluctuate a little bit because it's on a daily as well. Yeah.","start_word":1567,"end_word":1631,"intents":[{"intent":"Discuss investment options","confidence_score":0.16667306}]},{"text":"We're not being lower investment fees and better performance. And, obviously, a disadvantage is the capital gains tax, and the risk to be mindful of is that there's always a level of risk associated with any investment option. Does Yep.","start_word":1844,"end_word":1883,"intents":[{"intent":"Explain investment choices and disadvantages","confidence_score":0.00019612754}]},{"text":"Now if you wanna scroll up to page 15 for me, I will just show you and talk you through a little bit of the changes in the investment. Yep.","start_word":1895,"end_word":1924,"intents":[{"intent":"Discuss investment strategy","confidence_score":0.008121609}]},{"text":"You can see, like, the investment table. Yep.","start_word":1929,"end_word":1936,"intents":[{"intent":"Discuss investment table","confidence_score":0.08209601},{"intent":"Show investment tables","confidence_score":0.00020261761},{"intent":"Discuss investment table","confidence_score":0.3753368},{"intent":"Discuss investment table","confidence_score":0.3736142},{"intent":"Discuss investment table","confidence_score":0.07761097}]},{"text":"So how we put together that portfolio, it is using that core satellite approach to investment, which basically is that we invest majority of the funds in what we call your core investment, which represents the backbone of the portfolio. And these are essentially your more passive index funds, which has done really well in the past, and we believe will continue to do so in the future.","start_word":1969,"end_word":2036,"intents":[{"intent":"Discuss portfolio","confidence_score":0.042183354},{"intent":"Discuss investment portfolio","confidence_score":0.07872844},{"intent":"Discuss investment portfolio","confidence_score":0.04429404}]},{"text":"For your core investment, you can see are typically your larger investment. So that is Yeah. the iShares S and P five hundred at 30 Yeah. 5%.","start_word":2037,"end_word":2063,"intents":[{"intent":"Discuss investment rates","confidence_score":0.0017372376}]},{"text":"Very diversified both of these, which is why they have a little bit of that higher holding. And then because we are in a high growth portfolio, we do wanna focus on your satellite investment, and these are a little bit more dynamic and specialized that target specific sectors or regions or assets in order to try to maximize that growth for you.","start_word":2111,"end_word":2173,"intents":[{"intent":"Highlight investment focus","confidence_score":0.00633853}]},{"text":"Another satellite is your beta share cybersecurity. Obviously, AI technology, not going anywhere anytime soon, so there's a lot of opportunities in this space. But we are keeping it to just about 6%. And then your bottom through there are your more kind of defensive investments. You're trying to stabilize fluctuations a little bit, But you have 5% in fixed interest and 7% in gold. Yeah.","start_word":2261,"end_word":2326,"intents":[{"intent":"Share cybersecurity updates","confidence_score":0.00022330314}]},{"text":"It is not you paying us, and it's the same for every single insurer out there. So, you know, it doesn't sway us in any way to recommend one provider over the other. But for compliances, we need to disclose any, you know, any fees at all so that you are fully across that. Does that make sense?","start_word":2644,"end_word":2701,"intents":[{"intent":"Discuss service","confidence_score":0.035363432}]},{"text":"It is not you paying us, and it's the same for every single insurer out there. So, you know, it doesn't sway us in any way to recommend one provider over the other. But for compliances, we need to disclose any, you know, any fees at all so that you are fully across that. Does that make sense? Yeah.","start_word":2644,"end_word":2702,"intents":[{"intent":"Recommend provider","confidence_score":0.562982},{"intent":"Disclose fees","confidence_score":0.030221334},{"intent":"Suggest request","confidence_score":0.000005655051}]},{"text":"So, basically, from here, if you wanna take some time and have a read over the document, by all means, it does expire on the April 27, so you do have a little bit of time to have a read over it. Just let me know before the April 27 what you would like to do.","start_word":2811,"end_word":2866,"intents":[{"intent":"Request document review","confidence_score":0.0011167811}]},{"text":"I'm I'm sorry it took a while to to get here because No.","start_word":2964,"end_word":2976,"intents":[{"intent":"Apologize for inconvenience","confidence_score":0.00082054}]}]},"sentiments":{"segments":[{"text":"Hello. Tina speaking.","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.049454983323812485},{"text":"Good afternoon, Tina.","start_word":3,"end_word":5,"sentiment":"positive","sentiment_score":0.363059937953949},{"text":"This is Ranka from Achieve Financial. How are you?","start_word":6,"end_word":14,"sentiment":"neutral","sentiment_score":0.25401929020881653},{"text":"Hi. I'm good. Thanks. How are you? I'm good. Thank you.","start_word":15,"end_word":25,"sentiment":"positive","sentiment_score":0.47942304611206055},{"text":"I had you booked in pretty quickly today, but just to go through those strategy recommendations after doing some research on dropping some of your investments, is now still a good time? Yeah. Yeah. Sorry. I'm just jumping into a a meeting room. So I'm I'm out of work, so that's fine. No. That's K. okay. Concentrate. Yep. Just let me know when you have settled. Yeah. Yeah. All good now. Yeah. Okay. 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. Yep. Perfect. All good. And just to confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address for me, please? Do you know how it's Susan Matt Carpenter? Twenty eighth Yep. of April 1982. Yep. And my address is 49 A Monash Parade, D Y. Yep.","start_word":26,"end_word":187,"sentiment":"neutral","sentiment_score":0.053343698382377625},{"text":"Perfect. That's exactly what I have here.","start_word":188,"end_word":194,"sentiment":"positive","sentiment_score":0.3909691870212555},{"text":"And I know you said you were at work, so I will try to make it as quickly as I can for you today. Do you have access to your emails or or not really right now? I do have access. Okay. Perfect. Because what I've done is I've just sent you the recommendation via email. If you can access them at the same time, this makes it a little bit easier to kind of follow along some of the numbers and stuff. Yep. Sorry. Just let me know if that email came through okay. Just a second. Yeah. I got the email. Was there a attachment, or is it a link? Yes. So the attachment, I will let you have a look over in your own time. Most of that Yeah. is just the appendix Okay. where it's like investment links and research. But if you can click on the link for me, that will then open up the statement of advice so that you can view it first. Yeah. Okay. And then let me know if you can see where it does say statement of advice, and that's just the photo of the Gold Coast on the cover page. Yeah. Just give me a second.","start_word":195,"end_word":401,"sentiment":"neutral","sentiment_score":0.075680464182211},{"text":"It's slow.","start_word":402,"end_word":403,"sentiment":"negative","sentiment_score":-0.3582175374031067},{"text":"Yeah. It is a fairly large document as well. A lot of it is just for compliance. So like I said, I'll try to make it quick, but sometimes that can take a little bit to load. Yeah. I got it now. Okay.","start_word":404,"end_word":446,"sentiment":"neutral","sentiment_score":-0.11686481535434724},{"text":"Perfect. Now I have made a recommendation on swapping some of those investments around for you.","start_word":447,"end_word":462,"sentiment":"positive","sentiment_score":0.42176303267478943},{"text":"At the end of the day, though, it is just a recommendation. It is completely up to you if you would like to go ahead with the change or not. Mhmm. And as outlined on page two, best interest duty. So we always have to follow this, which means that we have to act in your best interest at all time. And the advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation. Does that all make sense? Yes. Yep.","start_word":463,"end_word":555,"sentiment":"neutral","sentiment_score":0.0888887345790863},{"text":"Perfect.","start_word":556,"end_word":556,"sentiment":"positive","sentiment_score":0.4484540820121765},{"text":"On the first page as well, if you wanted to, you could see my author authorized representative number there. And I'm obviously licensed under OTP Financial, and all our contact details and everything like that is on the cover page. Otherwise, if you wanna scroll down to page three for me, it could be page four as well depending on if you can see the cover page, but where it says Yep. scope of advice. Can you see that? Scroll up that side. Yes. Yep. Yep.","start_word":557,"end_word":642,"sentiment":"neutral","sentiment_score":0.08754947036504745},{"text":"Perfect.","start_word":643,"end_word":643,"sentiment":"positive","sentiment_score":0.40790602564811707},{"text":"Page it again. So yep. So, basically, what we are looking at today, pretty straightforward, mainly just your superannuation just to make sure that we can improve those returns a little bit for you and looking at swapping out of some of those ethical if it was going to be the best option for you for the time being, and then basically just updating your beneficiary nomination for your children only.","start_word":644,"end_word":714,"sentiment":"neutral","sentiment_score":0.2485643625259399},{"text":"So very Yes. straightforward today.","start_word":715,"end_word":719,"sentiment":"positive","sentiment_score":0.4371023178100586},{"text":"Now down the track, if you wanna look at changing your insurances or a kind of I know we spoke briefly about self managed super funds or child investments. If there's ever anything that you wanna assess down the track as well, just let me know or give me a call on email. We can always book you in for an appointment to assess that at any point in time as well. Yeah. I think we just Yeah.","start_word":720,"end_word":797,"sentiment":"neutral","sentiment_score":0.13665771236022314},{"text":"renewed that last year, so I think that's all good.","start_word":798,"end_word":807,"sentiment":"positive","sentiment_score":0.42722830176353455},{"text":"Yes. Yes. So we did. Now, basically, if you can kind of as you as you scroll through the documents, you will see some information about you, your assets as well. Just have a read quick read over just to make sure it's all up to date or if I need to make any changes. But, otherwise, I'll get you to stop on page nine. Yep.","start_word":808,"end_word":873,"sentiment":"neutral","sentiment_score":0.12800149619579315},{"text":"That looks good so far.","start_word":874,"end_word":878,"sentiment":"positive","sentiment_score":0.5026317834854126},{"text":"Looks like taking a look. Yep. Probably, maybe, sometimes savings and ETF could obviously change a little bit from when we did the fax line, which is okay. Yeah. On page eight where my main residence and Yep. the asset values Yep. separated last year, and my ex brought me out of the house. So Yep. I no longer have that asset, Okay. but in in in so I did get some cash settlement out of that. Yep. Okay. And do you know how sorry. No longer have the main residence Alright. and instead a little bit of obviously, cash. And is that oh, that's probably why we've already included that 400. Yeah. Is that And correct? settings. Yep. That's Yeah. it. Alright. I will just update that on our records. That's no problem.","start_word":879,"end_word":1012,"sentiment":"neutral","sentiment_score":0.016626447439193726},{"text":"Otherwise, it looks good.","start_word":1013,"end_word":1016,"sentiment":"positive","sentiment_score":0.3785087466239929},{"text":"Yep. Yes. Yes. Okay.","start_word":1017,"end_word":1020,"sentiment":"neutral","sentiment_score":0.1450429409742355},{"text":"Perfect.","start_word":1021,"end_word":1021,"sentiment":"positive","sentiment_score":0.37263357639312744},{"text":"Now on the following page where it says your current superannuation and insurances, you will see that you do have your current superannuation with HUB24, and you have your insurances with MetLife there. On the next couple of pages there, Tina, you will show talk a little bit about your risk profile. Can you see where I'm up to at the moment? Yep. Yep. Perfect. So we're not making any changes to your risk profile. We are keeping you in a high growth portfolio.","start_word":1022,"end_word":1105,"sentiment":"neutral","sentiment_score":0.0916326716542244},{"text":"It's definitely very suitable for, you know, the amount of times you have left until retirement and that you're, you know, pretty comfortable seeing a bit of short term fluctuation in order to try to grow that long term.","start_word":1106,"end_word":1144,"sentiment":"positive","sentiment_score":0.6530019044876099},{"text":"So literally not making any changes. It's just basically changing some of your investments.","start_word":1145,"end_word":1158,"sentiment":"neutral","sentiment_score":0.23278628289699552},{"text":"So it is pretty straightforward today.","start_word":1159,"end_word":1164,"sentiment":"positive","sentiment_score":0.5253604650497437},{"text":"Yep. Now what I might get you to do just to make it easy is if you wanna scroll down to page 17 for me, it should you should see a fee comparison table. 70. Yep. Yep. You can see that table okay? Yes. Yep.","start_word":1165,"end_word":1209,"sentiment":"neutral","sentiment_score":0.1588706076145172},{"text":"Perfect.","start_word":1210,"end_word":1210,"sentiment":"positive","sentiment_score":0.5322496294975281},{"text":"This usually makes it a little bit easier to kind of explain it, but, essentially, I have recommended that you stay in Hub 24 and just change your investment.","start_word":1211,"end_word":1239,"sentiment":"neutral","sentiment_score":0.31742751598358154},{"text":"Now I did, as part of the research, considered if hub twenty four is still the best option for you, so I considered other options as well. And it very much still is a really good competitive option in terms of, you know, features and fees and investment choices.","start_word":1240,"end_word":1288,"sentiment":"positive","sentiment_score":0.422866016626358},{"text":"So not making any changes to the super fund.","start_word":1289,"end_word":1297,"sentiment":"neutral","sentiment_score":0.13529129326343536},{"text":"I use hub twenty four for my personal super as well, and it's basically just changing the investments, which is really good in hub twenty four that there's hundreds and hundreds of different choices for us.","start_word":1298,"end_word":1333,"sentiment":"positive","sentiment_score":0.3397970497608185},{"text":"Yeah.","start_word":1334,"end_word":1334,"sentiment":"neutral","sentiment_score":-0.20158514380455017},{"text":"I'm I'm not good with that.","start_word":1335,"end_word":1340,"sentiment":"negative","sentiment_score":-0.4943862557411194},{"text":"Yeah. Perfect. Now as you can see here that by making the change, so literally just changing those investments, you can see a fee difference kind of at the bottom where it says the total cost of $591.","start_word":1341,"end_word":1378,"sentiment":"neutral","sentiment_score":0.20378988981246948},{"text":"So by making the change there, the new recommended investment arbiter cheaper than the current ethical portfolio, which obviously reduces that fee down a little bit for you, which is good. Okay. Good.","start_word":1379,"end_word":1411,"sentiment":"positive","sentiment_score":0.3612346053123474},{"text":"Now on the the return as well, so what I have shown you here first is just a five year rolling average. And you can see your current portfolio over a five year period is about 12.38, and you recommended about 13.56. But if you scroll down to one page below, I have also included the the twelve month, three years, and five years. So that kind of show you that looking more historically, it was more competitive. But more recently, with everything kind of going on, the in the last twelve months, your current portfolio has done a little bit less, being a Yep. bit more ethical than the the recommended. Does that all make sense so far? Yeah. Yeah.","start_word":1412,"end_word":1532,"sentiment":"neutral","sentiment_score":0.1304795147835716},{"text":"Perfect.","start_word":1533,"end_word":1533,"sentiment":"positive","sentiment_score":0.5005059838294983},{"text":"And at the table above that, you can kind of see projected forward five and ten years the difference in the outcome based on returns and the reduction in the fee. Now Yeah. I do wanna mention to you as well that when we are making investment changes, if we are selling investments that have gone up, you do have to pay capital gains tax on those investments. So we're trying to limit that as much as possible with making the change, Mhmm. and it can fluctuate a little bit because it's on a daily as well. Yeah. But by making the change, if you scroll up for me on that page 17 again, where it says difference of $303, that is the estimated tax. So it's not huge, which is good. That's something I do wanna let you know just so Yeah. you do understand And will that is that automatically then recorded through you guys, or do I need to record it? that. You don't need to do anything. It comes straight out of the super when Okay. you change the investment. Great. Yeah. So it will be, like, if you go into your transaction statement in Hub 24, you can see it there, but you don't need to do anything. It automatically happens Excellent.","start_word":1534,"end_word":1750,"sentiment":"neutral","sentiment_score":0.0717252567410469},{"text":"in super.","start_word":1751,"end_word":1752,"sentiment":"positive","sentiment_score":0.3476543128490448},{"text":"Yeah.","start_word":1753,"end_word":1753,"sentiment":"neutral","sentiment_score":0.2691054940223694},{"text":"Perfect. To make it nice and easy.","start_word":1754,"end_word":1760,"sentiment":"positive","sentiment_score":0.45410093665122986},{"text":"Now, basically, the couple of pages we we skipped over to get to this comparison, it outlines the recommendation in a little bit more detail. So when you have a bit more time, I'll let you have a read over it, but it basically explains why the recommendation is in your best interest, how it relates to your goal, why it was recommended. And then it also outlines, you know, advantages in regards to the investment change, which we've kind of touched on. We're not being lower investment fees and better performance. And, obviously, a disadvantage is the capital gains tax, and the risk to be mindful of is that there's always a level of risk associated with any investment option. Does Yep. that all make sense so far? Yep. Makes sense. Yep.","start_word":1761,"end_word":1893,"sentiment":"neutral","sentiment_score":0.04697404863466894},{"text":"Perfect.","start_word":1894,"end_word":1894,"sentiment":"positive","sentiment_score":0.632128894329071},{"text":"Now if you wanna scroll up to page 15 for me, I will just show you and talk you through a little bit of the changes in the investment. Yep. Yep. 15. Yep. Yep. You can see, like, the investment table. Yep. Mhmm. Yep.","start_word":1895,"end_word":1938,"sentiment":"neutral","sentiment_score":0.1333417147397995},{"text":"Perfect.","start_word":1939,"end_word":1939,"sentiment":"positive","sentiment_score":0.3608435988426209},{"text":"So at the top where it's the red, that's what we are selling. That's your current investment. And underneath that in black is what we are swapping it through. So how we put together that portfolio, it is using that core satellite approach to investment, which basically is that we invest majority of the funds in what we call your core investment, which represents the backbone of the portfolio. And these are essentially your more passive index funds, which has done really well in the past, and we believe will continue to do so in the future. For your core investment, you can see are typically your larger investment. So that is Yeah. the iShares S and P five hundred at 30 Yeah. 5%. You may have heard of this one before. Yeah. I have. Yep. Perfect. And then you have the BetaShares Australia two hundred at 25%. And that one basically invests in the 200 largest companies listed on the ASX, like Commonwealth, BHP, Woolworths, all the big companies. Yep. Very diversified both of these, which is why they have a little bit of that higher holding. And then because we are in a high growth portfolio, we do wanna focus on your satellite investment, and these are a little bit more dynamic and specialized that target specific sectors or regions or assets in order to try to maximize that growth for you. But they can be a little bit more volatile, which is why they only have, like, a smaller portion allocated through them. So you can see, for example, we have 9% invested in Europe, 5% in Japan, 8% in Vanguard or world. This one excludes The US, sorry, because you already have exposures to The US in the iShares S and P 500, and we don't want you to having too much in one sector or region either. Does Yeah. that make sense? Yeah. Yep. Perfect. Another satellite is your beta share cybersecurity. Obviously, AI technology, not going anywhere anytime soon, so there's a lot of opportunities in this space. But we are keeping it to just about 6%. And then your bottom through there are your more kind of defensive investments. You're trying to stabilize fluctuations a little bit, But you have 5% in fixed interest and 7% in gold. Yeah. Okay. Yep. Does that all make sense? Do you have any questions in regards to that? No questions No? now. Okay. Yep. If you do wanna read up a little bit on these investments in more detail as well, so in the appendix, which was one of those attachments before you click on the link, it's there. So I've included links through each and every one of these investments so that you can actually go and have a look into it Mhmm. in a bit more detail as well if it is something you're interested in. Okay. Yeah.","start_word":1940,"end_word":2423,"sentiment":"neutral","sentiment_score":0.1076517335393212},{"text":"Perfect.","start_word":2424,"end_word":2424,"sentiment":"positive","sentiment_score":0.4500625729560852},{"text":"Basically, from here, you will then have some information just some general information in regards to those beneficiary nomination just to get that updated through your children. Pretty straightforward. Otherwise, I will let you have a read over it. I've also included just some general information in regards to updating your will. I know you had a will in place, but I needed to just kind of be updated, based on your current situation. Obviously, when you have a moment, it is good to get that sorted. No. Otherwise, basically, from here, I do wanna quickly just mention the remuneration. So that is page 28. And let me just close the twenty eighteen. The headings should say remuneration. Yep. Yeah.","start_word":2425,"end_word":2544,"sentiment":"neutral","sentiment_score":0.13291214406490326},{"text":"Perfect. So if you are happy and you wanted to go ahead with the change in the investment, there is no additional fees or charges at all. It is all part of that ongoing advice fee, which stays exactly the same at 1.65%.","start_word":2545,"end_word":2587,"sentiment":"positive","sentiment_score":0.4037271738052368},{"text":"So no changes in regards to it.","start_word":2588,"end_word":2594,"sentiment":"neutral","sentiment_score":0.271057665348053},{"text":"Research and everything is just part of that fee for you.","start_word":2595,"end_word":2605,"sentiment":"positive","sentiment_score":0.37720930576324463},{"text":"And then underneath it, you will see just your MetLife insurances. Again, it is just to show you that all you know, that we do receive commissions in regards to insurances, but that is MetLife paying us. It is not you paying us, and it's the same for every single insurer out there. So, you know, it doesn't sway us in any way to recommend one provider over the other. But for compliances, we need to disclose any, you know, any fees at all so that you are fully across that. Does that make sense? Yeah. Yeah. Okay. So there's Yep. no additional additional cost to making any No. changes part of the whole No. deal here. No. Okay. Exactly. It is all part of the service. So, yeah, there's no additional fees at all. Even if I did all of this and you go, you know what? I don't wanna do it. That's okay. Ultimately, it is up to you. It is a recommendation to help you achieve your goal, but there's no charges either way if you decide to go ahead or not at the end of the day. Okay. Yep.","start_word":2606,"end_word":2798,"sentiment":"neutral","sentiment_score":0.13975265405956327},{"text":"Perfect. Now that was basically everything. So it is pretty straightforward today.","start_word":2799,"end_word":2810,"sentiment":"positive","sentiment_score":0.5286737084388733},{"text":"So, basically, from here, if you wanna take some time and have a read over the document, by all means, it does expire on the April 27, so you do have a little bit of time to have a read over it. Just let me know before the April 27 what you would like to do.","start_word":2811,"end_word":2866,"sentiment":"neutral","sentiment_score":0.2624499201774597},{"text":"Now if you do have a read over it and you are happy with the recommendation, if you simply click sign now on the document that you are in, it will then send it back, and it'll automatically send it back to me, and I can let the team know to go ahead with the change.","start_word":2867,"end_word":2922,"sentiment":"positive","sentiment_score":0.3752647042274475},{"text":"Or if you don't want through, just let me know as well. Okay. Okay. Yep.","start_word":2923,"end_word":2937,"sentiment":"neutral","sentiment_score":0.12236132472753523},{"text":"Thank Perfect. you.","start_word":2938,"end_word":2940,"sentiment":"positive","sentiment_score":0.5070767402648926},{"text":"Do you have any questions or anything for me otherwise, Tina, before I let you go? No. I think that's it. So Yep. I'm I'm sorry it took a while to to get here because No. That's life okay. is life is busy. It is. And that's totally fine. I completely understand it.","start_word":2941,"end_word":2993,"sentiment":"neutral","sentiment_score":-0.03342343121767044},{"text":"And, you know, we got there in the end, then and that is perfectly fine.","start_word":2994,"end_word":3008,"sentiment":"positive","sentiment_score":0.3498474061489105},{"text":"But I will let you get back to work. Like I said, just keep a lookout on that twenty seventh April.","start_word":3009,"end_word":3029,"sentiment":"neutral","sentiment_score":0.10104558297566003},{"text":"But, otherwise, I will leave that with you, and we'll look forward to speaking with you soon again. Excellent. Thank you so Mhmm. much. No problem. You have a lovely rest of your day, Tina. You too. Cheers. Thanks. Bye.","start_word":3030,"end_word":3069,"sentiment":"positive","sentiment_score":0.5636296272277832},{"text":"Bye bye.","start_word":3070,"end_word":3071,"sentiment":"neutral","sentiment_score":0.2501996159553528}],"average":{"sentiment":"neutral","sentiment_score":0.14535932219007913}}}}