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I just had a read of your review, and I was hoping you had five minutes to have a quick chat. Yeah. A minute or two. So I'm not so sure if we've spoken in the past, but I think I did try to reach out maybe a couple months ago. And I understand that you brought out to a soft most super fund. Mate, I've just read your review and then Mike Abbasi as CEO and responsible manager. It's actually quite concerning to me. So I'm just wondering if you could give me the time to just have a little get me a better picture or a better understanding of what your experience was like just so I can get a idea of how to make this better. Okay. Yeah. Absolutely. Yep. Mhmm. Okay. Mhmm. Yeah. Absolutely. Yeah. No. Thank you. Thank you for that. I appreciate it. And, you know, we we are I'm I guess, myself, personally, I'm a firm believer that, you know, it's your money at the end of the day, so you are entitled to do whatever you like with it. One thing I did wanna have a a chat about was the performance. Did you have a look at the performance of that up 24 accounts? Or Okay. Well, not particularly, sir. It it grew just by way of income and returns. So I just wanted to kind of make sure that they're you know, we're on the same page as well. And like I said, that review was concerning to me. So, obviously, it's my role to make sure that clients are happy and make sure that we can do everything to the best of our abilities, and sounds like you're just satisfied. So thank you for letting me know that. But looking at your accounts from the last the last documents that we brought up, yeah, there was a 10.84% return net of fees. So just by income, by way of dividends and distributions, and growth in your that period was sixteen thousand nine hundred and sixty four dollars and ninety one cents outside of contributions. So after the fees rolled in, you're looking at about 96,000 and up 24. When we consolidated. I believe there was two a it was an AMP fund, an AMZed Super Choice fund, as well as another AMP signature account. Is is did you have two or three Super Funds prior to us consolidating it? Or yeah. Just two. Yeah. Gotcha. Gotcha. And that's why we retained that AMP signature of $10,000. Yep. So, yeah, starting from that $9,696,600, it it essentially grew to, you know, a 111,532 outside. Well, that's inclusive of contributions as well. But 16,964 of that was external from the contribution. So I just wanted to make sure that, you know, that was that was just clearly outlined to, you know, not leave it too too much for sour taste, but, yeah, the service is concerning. I do apologize that that, you know, you you had that experience with our firm. K. Now looking at our role, it was actually perfect timing regarding your self managed super fund, especially with the new legislation changes. So I did notice as well that when when we re the re I noticed that we actually put a hold on your account and stopped doing any sort of trading or action on it based on an email. Did you send for an email just saying, look. It's regarding the I think it looks like one of the team members reached out to you and tried to book in some time to, you know, book in that annual review, and you said it looks a little bit too late. Please pause all services and action on my account. That's that's just wanna point out that that's why we actually put a hold on the account and you indicated that you didn't want us to reach out again. Alright. Yeah. No. No. I understand that. Honestly, like I said before, it's Brandon, it's a perfect timing, especially with the landscape completely changing. What are your intentions? Are you gonna buy an investment property or crypto? Perfect. You got a well, we don't as an AFSL, we don't actually know Australian Financial Services license for financial planning in Australia is actually able to invest superannuation in crypto right now unless it's a self managed super fund. So that's that's probably why and I think Dana was your adviser. It's probably why she would have said, look, we can't really do much with it unless you set up an SMSF. But look, if that's your goal and you wanna invest in crypto, you're you're in the right position to do it. Yep. Yep. Beautiful. Well, again, thank you for your time, mate. I just wanna get a, like I said, better understanding, make sure that we can improve our services and implement some policies and procedures to do better every time. That's always my intention, and I apologize if you had that experience. And, yeah, look, if you need anything else from our end, don't hesitate to reach out. Appreciate it, sir. 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Am I speaking with, sorry, Brendon Roo? Brendon, mate, my name is Savi Zutter. How are you today? That's good.\n\nI'm calling from Oakview Financial. I just had a read of your review, and I was hoping you had five minutes to have a quick chat. Yeah. A minute or two. So I'm not so sure if we've spoken in the past, but I think I did try to reach out maybe a couple months ago.\n\nAnd I understand that you brought out to a soft most super fund. Mate, I've just read your review and then Mike Abbasi as CEO and responsible manager. It's actually quite concerning to me. So I'm just wondering if you could give me the time to just have a little get me a better picture or a better understanding of what your experience was like just so I can get a idea of how to make this better. Okay.\n\nYeah. Absolutely. Yep. Mhmm. Okay.\n\nMhmm. Yeah. Absolutely. Yeah. No.\n\nThank you. Thank you for that. I appreciate it. And, you know, we we are I'm I guess, myself, personally, I'm a firm believer that, you know, it's your money at the end of the day, so you are entitled to do whatever you like with it. One thing I did wanna have a a chat about was the performance.\n\nDid you have a look at the performance of that up 24 accounts? Or Okay. Well, not particularly, sir. It it grew just by way of income and returns. So I just wanted to kind of make sure that they're you know, we're on the same page as well.\n\nAnd like I said, that review was concerning to me. So, obviously, it's my role to make sure that clients are happy and make sure that we can do everything to the best of our abilities, and sounds like you're just satisfied. So thank you for letting me know that. But looking at your accounts from the last the last documents that we brought up, yeah, there was a 10.84% return net of fees. So just by income, by way of dividends and distributions, and growth in your that period was sixteen thousand nine hundred and sixty four dollars and ninety one cents outside of contributions.\n\nSo after the fees rolled in, you're looking at about 96,000 and up 24. When we consolidated. I believe there was two a it was an AMP fund, an AMZed Super Choice fund, as well as another AMP signature account. Is is did you have two or three Super Funds prior to us consolidating it? Or yeah.\n\nJust two. Yeah. Gotcha. Gotcha. And that's why we retained that AMP signature of $10,000.\n\nYep. So, yeah, starting from that $9,696,600, it it essentially grew to, you know, a 111,532 outside. Well, that's inclusive of contributions as well. But 16,964 of that was external from the contribution. So I just wanted to make sure that, you know, that was that was just clearly outlined to, you know, not leave it too too much for sour taste, but, yeah, the service is concerning.\n\nI do apologize that that, you know, you you had that experience with our firm. K. Now looking at our role, it was actually perfect timing regarding your self managed super fund, especially with the new legislation changes. So I did notice as well that when when we re the re I noticed that we actually put a hold on your account and stopped doing any sort of trading or action on it based on an email. Did you send for an email just saying, look.\n\nIt's regarding the I think it looks like one of the team members reached out to you and tried to book in some time to, you know, book in that annual review, and you said it looks a little bit too late. Please pause all services and action on my account. That's that's just wanna point out that that's why we actually put a hold on the account and you indicated that you didn't want us to reach out again. Alright. Yeah.\n\nNo. No. I understand that. Honestly, like I said before, it's Brandon, it's a perfect timing, especially with the landscape completely changing. What are your intentions?\n\nAre you gonna buy an investment property or crypto? Perfect. You got a well, we don't as an AFSL, we don't actually know Australian Financial Services license for financial planning in Australia is actually able to invest superannuation in crypto right now unless it's a self managed super fund. So that's that's probably why and I think Dana was your adviser. It's probably why she would have said, look, we can't really do much with it unless you set up an SMSF.\n\nBut look, if that's your goal and you wanna invest in crypto, you're you're in the right position to do it. Yep. Yep. Beautiful. Well, again, thank you for your time, mate.\n\nI just wanna get a, like I said, better understanding, make sure that we can improve our services and implement some policies and procedures to do better every time. That's always my intention, and I apologize if you had that experience. And, yeah, look, if you need anything else from our end, don't hesitate to reach out. Appreciate it, sir. Bye.","paragraphs":[{"sentences":[{"text":"Hey.","start":2.8,"end":3.04,"sentiment":"neutral","sentiment_score":0.01633577235043049},{"text":"Am I speaking with, sorry, Brendon Roo?","start":3.04,"end":5.06,"sentiment":"neutral","sentiment_score":0.00787282721804721},{"text":"Brendon, mate, my name is Savi Zutter.","start":6.48,"end":8.32,"sentiment":"neutral","sentiment_score":0.21093824931553432},{"text":"How are you today?","start":8.32,"end":9.22,"sentiment":"neutral","sentiment_score":0.3215593844652176},{"text":"That's good.","start":10.88,"end":11.44,"sentiment":"positive","sentiment_score":0.7197770774364471}],"sentiment":"neutral","sentiment_score":0.20351452384853647,"num_words":21,"start":2.8,"end":11.44},{"sentences":[{"text":"I'm calling from Oakview Financial.","start":11.44,"end":13.965,"sentiment":"neutral","sentiment_score":0.2766653448343277},{"text":"I just had a read of your review, and I was hoping you had five minutes to have a quick chat.","start":14.665,"end":18.685,"sentiment":"neutral","sentiment_score":0.14852198781002135},{"text":"Yeah.","start":22.665,"end":22.904999,"sentiment":"neutral","sentiment_score":0.02401505783200264},{"text":"A minute or two.","start":22.904999,"end":23.705,"sentiment":"neutral","sentiment_score":0.016942800022661686},{"text":"So I'm not so sure if we've spoken in the past, but I think I did try to reach out maybe a couple months ago.","start":23.705,"end":30.99,"sentiment":"neutral","sentiment_score":-0.009281434416770935}],"sentiment":"neutral","sentiment_score":0.0778935511729547,"num_words":56,"start":11.44,"end":30.99},{"sentences":[{"text":"And I understand that you brought out to a soft most super fund.","start":31.05,"end":33.93,"sentiment":"neutral","sentiment_score":-0.002657822691477262},{"text":"Mate, I've just read your review and then Mike Abbasi as CEO and responsible 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better.","start":40.489998,"end":52.355,"sentiment":"neutral","sentiment_score":-0.09157179600813171},{"text":"Okay.","start":69.205,"end":69.705,"sentiment":"neutral","sentiment_score":-0.09324736893177032}],"sentiment":"neutral","sentiment_score":-0.0905303541995302,"num_words":79,"start":31.05,"end":69.705},{"sentences":[{"text":"Yeah.","start":78.725,"end":78.965,"sentiment":"neutral","sentiment_score":0.07517451047897339},{"text":"Absolutely.","start":78.965,"end":79.465,"sentiment":"neutral","sentiment_score":0.23084554076194763},{"text":"Yep.","start":79.765,"end":80.265,"sentiment":"neutral","sentiment_score":0.12838086485862732},{"text":"Mhmm.","start":80.805,"end":81.12,"sentiment":"neutral","sentiment_score":-0.08130311220884323},{"text":"Okay.","start":99.815,"end":100.315,"sentiment":"neutral","sentiment_score":-0.03371995687484741}],"sentiment":"neutral","sentiment_score":0.06387556940317154,"num_words":5,"start":78.725,"end":100.315},{"sentences":[{"text":"Mhmm.","start":101.175,"end":101.675,"sentiment":"neutral","sentiment_score":-0.001741824671626091},{"text":"Yeah.","start":110.695,"end":111.09,"sentiment":"neutral","sentiment_score":0.10814285278320312},{"text":"Absolutely.","start":111.25,"end":111.75,"sentiment":"neutral","sentiment_score":0.13601289689540863},{"text":"Yeah.","start":112.92999,"end":113.25,"sentiment":"neutral","sentiment_score":0.0798284113407135},{"text":"No.","start":113.25,"end":113.49,"sentiment":"neutral","sentiment_score":0.05379816144704819}],"sentiment":"neutral","sentiment_score":0.07520809955894947,"num_words":5,"start":101.175,"end":113.49},{"sentences":[{"text":"Thank you.","start":113.49,"end":113.89,"sentiment":"neutral","sentiment_score":0.3252333104610443},{"text":"Thank you for that.","start":113.89,"end":114.60999,"sentiment":"positive","sentiment_score":0.6123467832803726},{"text":"I appreciate it.","start":114.60999,"end":115.329994,"sentiment":"positive","sentiment_score":0.7015549143155416},{"text":"And, you know, we we are I'm I guess, myself, personally, I'm a firm believer that, you know, it's your money at the end of the day, so you are entitled to do whatever you like with it.","start":115.329994,"end":123.495,"sentiment":"positive","sentiment_score":0.4000814753143411},{"text":"One thing I did wanna have a a chat about was the performance.","start":124.055,"end":127.755005,"sentiment":"neutral","sentiment_score":0.09254351114997497}],"sentiment":"positive","sentiment_score":0.36017800339808065,"num_words":60,"start":113.49,"end":127.755005},{"sentences":[{"text":"Did you have a look at the performance of that up 24 accounts?","start":127.815,"end":130.77501,"sentiment":"neutral","sentiment_score":0.028440178873447273},{"text":"Or Okay.","start":130.77501,"end":140.25,"sentiment":"neutral","sentiment_score":0.002073836512863636},{"text":"Well, not particularly, sir.","start":142.70999,"end":144.39,"sentiment":"neutral","sentiment_score":0.03920998331159353},{"text":"It it grew just by way of income and returns.","start":144.39,"end":147.34999,"sentiment":"neutral","sentiment_score":0.14991465359926223},{"text":"So I just wanted to kind of make sure that they're you know, we're on the same page as well.","start":147.34999,"end":151.655,"sentiment":"neutral","sentiment_score":0.3246492639183998}],"sentiment":"neutral","sentiment_score":0.1739355458364803,"num_words":49,"start":127.815,"end":151.655},{"sentences":[{"text":"And like I said, that review was concerning to me.","start":152.515,"end":155.315,"sentiment":"neutral","sentiment_score":0.19539955854415894},{"text":"So, obviously, it's my role to make sure that clients are happy and make sure that we can do everything to the best of our abilities, and sounds like you're just satisfied.","start":155.315,"end":162.195,"sentiment":"positive","sentiment_score":0.5205923216417432},{"text":"So thank you for letting me know that.","start":162.195,"end":163.74,"sentiment":"positive","sentiment_score":0.6185250980779529},{"text":"But looking at your accounts from the last the last documents that we brought up, yeah, there was a 10.84% return net of fees.","start":164.22,"end":173.82,"sentiment":"neutral","sentiment_score":0.02952686285910507},{"text":"So just by income, by way of dividends and distributions, and growth in your that period was sixteen thousand nine hundred and sixty four dollars and ninety one cents outside of contributions.","start":173.82,"end":185.125,"sentiment":"neutral","sentiment_score":0.050675404141657054}],"sentiment":"neutral","sentiment_score":0.24425856890332587,"num_words":106,"start":152.515,"end":185.125},{"sentences":[{"text":"So after the fees rolled in, you're looking at about 96,000 and up 24.","start":185.50499,"end":191.205,"sentiment":"neutral","sentiment_score":0.018432568026972667},{"text":"When we consolidated.","start":191.81,"end":192.70999,"sentiment":"neutral","sentiment_score":0.00841597436616818},{"text":"I believe there was two a it was an AMP fund, an AMZed Super Choice fund, as well as another AMP signature account.","start":192.93,"end":199.90999,"sentiment":"neutral","sentiment_score":0.019396209664156904},{"text":"Is is did you have two or three Super Funds prior to us consolidating it?","start":201.09,"end":206.245,"sentiment":"neutral","sentiment_score":-0.002038322016596794},{"text":"Or yeah.","start":206.245,"end":208.805,"sentiment":"neutral","sentiment_score":-0.004847609670832753}],"sentiment":"neutral","sentiment_score":0.012090292073001987,"num_words":57,"start":185.50499,"end":208.805},{"sentences":[{"text":"Just two.","start":208.805,"end":209.625,"sentiment":"neutral","sentiment_score":-0.005645505851134658},{"text":"Yeah.","start":212.405,"end":212.565,"sentiment":"neutral","sentiment_score":0.004012935794889927},{"text":"Gotcha.","start":212.565,"end":212.965,"sentiment":"neutral","sentiment_score":0.00456071924418211},{"text":"Gotcha.","start":212.965,"end":213.365,"sentiment":"neutral","sentiment_score":0.01665879227221012},{"text":"And that's why we retained that AMP signature of $10,000.","start":213.365,"end":216.405,"sentiment":"neutral","sentiment_score":0.048735525086522104}],"sentiment":"neutral","sentiment_score":0.03341977909828226,"num_words":15,"start":208.805,"end":216.405},{"sentences":[{"text":"Yep.","start":216.405,"end":216.905,"sentiment":"neutral","sentiment_score":0.09530729055404664},{"text":"So, yeah, starting from that $9,696,600, it it essentially grew to, you know, a 111,532 outside.","start":217.045,"end":226.89,"sentiment":"neutral","sentiment_score":0.11463708616793156},{"text":"Well, that's inclusive of contributions as well.","start":227.19,"end":229.85,"sentiment":"neutral","sentiment_score":0.07083667548639434},{"text":"But 16,964 of that was external from the contribution.","start":230.07,"end":234.25,"sentiment":"neutral","sentiment_score":-0.07065174935592546},{"text":"So I just wanted to make sure that, you know, that was that was just clearly outlined to, you know, not leave it too too much for sour taste, but, yeah, the service is concerning.","start":234.375,"end":245.515,"sentiment":"neutral","sentiment_score":-0.31719212106295996}],"sentiment":"neutral","sentiment_score":-0.13694459682001786,"num_words":68,"start":216.405,"end":245.515},{"sentences":[{"text":"I do apologize that that, you know, you you had that experience with our firm.","start":246.775,"end":252.05,"sentiment":"negative","sentiment_score":-0.36955597599347434},{"text":"K.","start":253.35,"end":253.85,"sentiment":"neutral","sentiment_score":0.032563723623752594},{"text":"Now looking at our role, it was actually perfect timing regarding your self managed super fund, especially with the new legislation changes.","start":254.55,"end":262.41,"sentiment":"neutral","sentiment_score":0.1750712486153299},{"text":"So I did notice as well that when when we re the re I noticed that we actually put a hold on your account and stopped doing any sort of trading or action on it based on an email.","start":262.845,"end":274.845,"sentiment":"neutral","sentiment_score":-0.2633337206565417},{"text":"Did you send for an email just saying, look.","start":274.845,"end":277.565,"sentiment":"neutral","sentiment_score":-0.08840828264753024}],"sentiment":"neutral","sentiment_score":-0.14796393135086047,"num_words":86,"start":246.775,"end":277.565},{"sentences":[{"text":"It's regarding the I think it looks like one of the team members reached out to you and tried to book in some time to, you know, book in that annual review, and you said it looks a little bit too late.","start":277.565,"end":288.59998,"sentiment":"neutral","sentiment_score":-0.127089561318003},{"text":"Please pause all services and action on my account.","start":288.81998,"end":291.8,"sentiment":"negative","sentiment_score":-0.4134671224488152},{"text":"That's that's just wanna point out that that's why we actually put a hold on the account and you indicated that you didn't want us to reach out again.","start":292.97998,"end":299.525,"sentiment":"neutral","sentiment_score":-0.2910458291399068},{"text":"Alright.","start":304.625,"end":305.025,"sentiment":"neutral","sentiment_score":-0.098110131919384},{"text":"Yeah.","start":305.025,"end":305.425,"sentiment":"neutral","sentiment_score":-0.042262427508831024}],"sentiment":"neutral","sentiment_score":-0.2151178936814753,"num_words":82,"start":277.565,"end":305.425},{"sentences":[{"text":"No.","start":305.425,"end":305.665,"sentiment":"neutral","sentiment_score":-0.1609431505203247},{"text":"No.","start":305.665,"end":306.165,"sentiment":"neutral","sentiment_score":-0.1998409479856491},{"text":"I understand that.","start":307.10498,"end":308.19,"sentiment":"neutral","sentiment_score":-0.11302195737759273},{"text":"Honestly, like I said before, it's Brandon, it's a perfect timing, especially with the landscape completely changing.","start":308.19,"end":315.25,"sentiment":"neutral","sentiment_score":-0.01719790083520553},{"text":"What are your intentions?","start":315.63,"end":316.43,"sentiment":"neutral","sentiment_score":-0.026787339709699154}],"sentiment":"neutral","sentiment_score":-0.042283217064463176,"num_words":26,"start":305.425,"end":316.43},{"sentences":[{"text":"Are you gonna buy an investment property or crypto?","start":316.43,"end":321.56998,"sentiment":"neutral","sentiment_score":-0.022863141157560878},{"text":"Perfect.","start":322.555,"end":323.055,"sentiment":"neutral","sentiment_score":0.1700846403837204},{"text":"You got a well, we don't as an AFSL, we don't actually know Australian Financial Services license for financial planning in Australia is actually able to invest superannuation in crypto right now unless it's a self managed super fund.","start":323.275,"end":340.11,"sentiment":"neutral","sentiment_score":-0.18380483087056723},{"text":"So that's that's probably why and I think Dana was your adviser.","start":341.44998,"end":344.59,"sentiment":"neutral","sentiment_score":-0.09117657753328483},{"text":"It's probably why she would have said, look, we can't really do much with it unless you set up an SMSF.","start":344.72998,"end":350.605,"sentiment":"neutral","sentiment_score":-0.11587510665967352}],"sentiment":"neutral","sentiment_score":-0.13087278297852453,"num_words":82,"start":316.43,"end":350.605},{"sentences":[{"text":"But look, if that's your goal and you wanna invest in crypto, you're you're in the right position to do it.","start":350.605,"end":354.785,"sentiment":"neutral","sentiment_score":-0.00611392967402935},{"text":"Yep.","start":356.045,"end":356.545,"sentiment":"neutral","sentiment_score":0.013689996674656868},{"text":"Yep.","start":357.005,"end":357.405,"sentiment":"neutral","sentiment_score":0.12953388690948486},{"text":"Beautiful.","start":357.405,"end":357.905,"sentiment":"positive","sentiment_score":0.45517033338546753},{"text":"Well, again, thank you for your time, mate.","start":358.045,"end":359.725,"sentiment":"positive","sentiment_score":0.560286995023489}],"sentiment":"neutral","sentiment_score":0.15475930168759078,"num_words":32,"start":350.605,"end":359.725},{"sentences":[{"text":"I just wanna get a, like I said, better understanding, make sure that we can improve our services and implement some policies and procedures to do better every time.","start":359.725,"end":367.49,"sentiment":"positive","sentiment_score":0.4152810897292762},{"text":"That's always my intention, and I apologize if you had that experience.","start":367.49,"end":371.19,"sentiment":"neutral","sentiment_score":-0.01692327857017517},{"text":"And, yeah, look, if you need anything else from our end, don't hesitate to reach out.","start":372.13,"end":376.53494,"sentiment":"neutral","sentiment_score":0.18676819000393152},{"text":"Appreciate it, sir.","start":378.75494,"end":379.55493,"sentiment":"positive","sentiment_score":0.820283035437266},{"text":"Bye.","start":379.55493,"end":380.05493,"sentiment":"positive","sentiment_score":0.4542241096496582}],"sentiment":"neutral","sentiment_score":0.29087600844805356,"num_words":61,"start":359.725,"end":380.05493}]}}]},{"alternatives":[{"transcript":"Brent speaking. That's right. Yeah. Good. Thanks. I gotta get a minute or so. Yeah. No. So the main the main issue was I suppose we were planning to have a review sometime mid last year. I'd I'd also my employment position had changed in the way of super and everything and just trying to get some understanding of what we needed to do or, you know, manage the the the contributions or the, you know, the the portfolio that I had from a rich point of view. And I suppose after numerous months, I think it went from, you know, probably two or three months the first time, and then somebody told me they were changing some systems or something like that, and they they need another week or two to get back to me, and they didn't get back to me for another two or three months, so they didn't get back to me at all. I reached out to them again, and nothing happened again. So I I decided for for other reasons as well that I'd I'd I'd move it into a self managed Superfund. Anyway, Yeah. I mean, it pretty much came out for the same amount that I've invested. So over the year or two, I haven't really growth grown apart from the contribution. Just to yeah. I had a a and p contributions because I had my insurance associated to it. Yep. Okay. Yeah. I've already rolled out all my hub funds. They're all gone. This the hub account shut down. I've opened up the self manage. No. I'm putting all into crypto. Yes. I tried to do that with you guys, but you wouldn't do it because it's too high risk as well. Yeah. Yeah. Yep. No. It's all done now. Okay. Great. Thank you. 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well.","start":323.13998,"end":327.015,"sentiment":"neutral","sentiment_score":-0.18126708418130874},{"text":"Yeah.","start":339.65503,"end":340.15503,"sentiment":"neutral","sentiment_score":-0.057479217648506165}],"sentiment":"neutral","sentiment_score":-0.14218257261174067,"num_words":28,"start":319.22,"end":340.15503},{"sentences":[{"text":"Yeah.","start":340.21503,"end":340.71503,"sentiment":"neutral","sentiment_score":-0.06662146747112274},{"text":"Yep.","start":354.875,"end":355.35498,"sentiment":"neutral","sentiment_score":0.013904161751270294},{"text":"No.","start":355.35498,"end":355.675,"sentiment":"neutral","sentiment_score":-0.02727079950273037},{"text":"It's all done now.","start":355.675,"end":356.735,"sentiment":"neutral","sentiment_score":-0.012903556926175952},{"text":"Okay.","start":377.23,"end":377.63,"sentiment":"positive","sentiment_score":0.42797523736953735}],"sentiment":"neutral","sentiment_score":0.03704661305528134,"num_words":8,"start":340.21503,"end":377.63},{"sentences":[{"text":"Great.","start":377.63,"end":377.95,"sentiment":"positive","sentiment_score":0.8589136600494385},{"text":"Thank you.","start":377.95,"end":378.69,"sentiment":"positive","sentiment_score":0.848287969827652},{"text":"Bye.","start":380.19,"end":380.69,"sentiment":"neutral","sentiment_score":-0.12148766964673996}],"sentiment":"positive","sentiment_score":0.6085004825145006,"num_words":4,"start":377.63,"end":380.69}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Brent speaking.\n\nChannel 0: Hey. Am I speaking with, sorry, Brendon Roo?\n\nChannel 1: That's right. Yeah.\n\nChannel 0: Brendon, mate, my name is Savi Zutter. How are you today?\n\nChannel 1: Good. Thanks.\n\nChannel 0: That's good. I'm calling from Oakview Financial. I just had a read of your review, and I was hoping you had five minutes to have a quick chat.\n\nChannel 1: I gotta get a minute or so. Yeah.\n\nChannel 0: Yeah. A minute or two. So I'm not so sure if we've spoken in the past, but I think I did try to reach out maybe a couple months ago. And I understand that you brought out to a soft most super fund. Mate, I've just read your review and then Mike Abbasi as CEO and responsible manager.\n\nIt's actually quite concerning to me. So I'm just wondering if you could give me the time to just have a little get me a better picture or a better understanding of what your experience was like just so I can get a idea of how to make this better.\n\nChannel 1: No. So the main the main issue was I suppose we were planning to have a review sometime mid last year. I'd I'd also my employment position had changed in the way of super and everything and just trying\n\nChannel 0: Okay.\n\nChannel 1: to get some understanding of what we needed to do or, you know, manage the the the contributions or the, you know, the the portfolio that I had\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: from a rich point\n\nChannel 0: Yep.\n\nChannel 1: of view.\n\nChannel 0: Mhmm.\n\nChannel 1: And I suppose after numerous months, I think it went from, you know, probably two or three months the first time, and then somebody told me they were changing some systems or something like that, and they they need another week or two to get back to me, and they didn't get back to me for another two or three months, so they didn't get back to me at all.\n\nChannel 0: Okay.\n\nChannel 1: I reached out\n\nChannel 0: Mhmm.\n\nChannel 1: to them again, and nothing happened again. So I I decided for for other reasons as well that I'd I'd I'd move it into a self managed Superfund.\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: Anyway,\n\nChannel 0: Yeah. No. Thank you. Thank you for that. I appreciate it.\n\nAnd, you know, we we are I'm I guess, myself, personally, I'm a firm believer that, you know, it's your money at the end of the day, so you are entitled to do whatever you like with it. One thing I did wanna have a a chat about was the performance. Did you have a look at the performance of that up 24 accounts? Or\n\nChannel 1: Yeah. I mean, it pretty much came out for the same amount that I've invested. So over the year or two, I haven't really\n\nChannel 0: Okay.\n\nChannel 1: growth grown apart from the contribution.\n\nChannel 0: Well, not particularly, sir. It it grew just by way of income and returns. So I just wanted to kind of make sure that they're you know, we're on the same page as well. And like I said, that review was concerning to me. So, obviously, it's my role to make sure that clients are happy and make sure that we can do everything to the best of our abilities, and sounds like you're just satisfied.\n\nSo thank you for letting me know that. But looking at your accounts from the last the last documents that we brought up, yeah, there was a 10.84% return net of fees. So just by income, by way of dividends and distributions, and growth in your that period was sixteen thousand nine hundred and sixty four dollars and ninety one cents outside of contributions. So after the fees rolled in, you're looking at about 96,000 and up 24. When we consolidated.\n\nI believe there was two a it was an AMP fund, an AMZed Super Choice fund, as well as another AMP signature account. Is is did you have two or three Super Funds prior to us consolidating it? Or\n\nChannel 1: Just to yeah. I had a a and\n\nChannel 0: yeah.\n\nChannel 1: p\n\nChannel 0: Just two.\n\nChannel 1: contributions because I had my insurance associated to it.\n\nChannel 0: Yeah. Gotcha. Gotcha. And that's why we retained that AMP signature of $10,000. Yep.\n\nSo, yeah, starting from that $9,696,600, it it essentially grew to, you know, a 111,532 outside. Well, that's inclusive of contributions as well. But 16,964 of that was external from the contribution. So I just wanted to make sure that, you know, that was that was just clearly outlined to, you know, not leave it too too much for sour taste, but, yeah, the service is concerning. I do apologize that that, you know, you you had that experience with our firm.\n\nChannel 1: Yep. Okay.\n\nChannel 0: K. Now looking at our role, it was actually perfect timing regarding your self managed super fund, especially with the new legislation changes. So I did notice as well that when when we re the re I noticed that we actually put a hold on your account and stopped doing any sort of trading or action on it based on an email. Did you send for an email just saying, look. It's regarding the I think it looks like one of the team members reached out to you and tried to book in some time to, you know, book in that annual review, and you said it looks a little bit too late.\n\nPlease pause all services and action on my account. That's that's just wanna point out that that's why we actually put a hold on the account and you indicated that you didn't want us to reach out again.\n\nChannel 1: Yeah. I've already rolled out all my hub funds. They're all gone. This the hub account shut\n\nChannel 0: Alright.\n\nChannel 1: down.\n\nChannel 0: Yeah.\n\nChannel 1: I've opened\n\nChannel 0: No. No.\n\nChannel 1: up the self manage.\n\nChannel 0: I understand that. Honestly, like I said before, it's Brandon, it's a perfect timing, especially with the landscape completely changing. What are your intentions? Are you gonna buy an investment property or\n\nChannel 1: No. I'm putting all into crypto.\n\nChannel 0: crypto?\n\nChannel 1: Yes.\n\nChannel 0: Perfect.\n\nChannel 1: I\n\nChannel 0: You\n\nChannel 1: tried\n\nChannel 0: got\n\nChannel 1: to\n\nChannel 0: a\n\nChannel 1: do that with you guys, but you wouldn't do it because it's too high risk as well.\n\nChannel 0: well, we don't as an AFSL, we don't actually know Australian Financial Services license for financial planning in Australia is actually able to invest superannuation in crypto right now unless it's a self managed super fund.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: So that's that's probably why and I think Dana was your adviser. It's probably why she would have said, look, we can't really do much with it unless you set up an SMSF. But look, if that's your goal and you wanna invest in crypto, you're you're in the right position to do it.\n\nChannel 1: Yep. No. It's all done\n\nChannel 0: Yep.\n\nChannel 1: now.\n\nChannel 0: Yep. Beautiful. Well, again, thank you for your time, mate. I just wanna get a, like I said, better understanding, make sure that we can improve our services and implement some policies and procedures to do better every time. That's always my intention, and I apologize if you had that experience.\n\nAnd, yeah, look, if you need anything else from our end, don't hesitate to reach out.\n\nChannel 1: Okay. Great. Thank you.\n\nChannel 0: Appreciate it, sir. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Brent speaking.","start":1.4399999,"end":2.26,"sentiment":"neutral","sentiment_score":0.006204152712598443}],"sentiment":"neutral","sentiment_score":0.006204152712598443,"channel":1,"num_words":2,"start":1.4399999,"end":2.26},{"sentences":[{"text":"Hey.","start":2.8,"end":3.04,"sentiment":"neutral","sentiment_score":0.01633577235043049},{"text":"Am I speaking with, sorry, Brendon Roo?","start":3.04,"end":5.06,"sentiment":"neutral","sentiment_score":0.00787282721804721}],"sentiment":"neutral","sentiment_score":0.00893069535959512,"channel":0,"num_words":8,"start":2.8,"end":5.06},{"sentences":[{"text":"That's right.","start":5.2799997,"end":5.92,"sentiment":"neutral","sentiment_score":0.07835189625620842},{"text":"Yeah.","start":5.92,"end":6.42,"sentiment":"neutral","sentiment_score":0.12289451062679292}],"sentiment":"neutral","sentiment_score":0.09319943437973659,"channel":1,"num_words":3,"start":5.2799997,"end":6.42},{"sentences":[{"text":"Brendon, mate, my name is Savi Zutter.","start":6.48,"end":8.32,"sentiment":"neutral","sentiment_score":0.21093824931553432},{"text":"How are you today?","start":8.32,"end":9.22,"sentiment":"neutral","sentiment_score":0.3215593844652176}],"sentiment":"neutral","sentiment_score":0.2511641166426919,"channel":0,"num_words":11,"start":6.48,"end":9.22},{"sentences":[{"text":"Good.","start":9.84,"end":10.16,"sentiment":"positive","sentiment_score":0.6708379983901978},{"text":"Thanks.","start":10.16,"end":10.66,"sentiment":"positive","sentiment_score":0.7496063709259033}],"sentiment":"positive","sentiment_score":0.7102221846580505,"channel":1,"num_words":2,"start":9.84,"end":10.66},{"sentences":[{"text":"That's good.","start":10.88,"end":11.44,"sentiment":"positive","sentiment_score":0.7197770774364471},{"text":"I'm calling from Oakview Financial.","start":11.44,"end":13.965,"sentiment":"neutral","sentiment_score":0.2766653448343277},{"text":"I just had a read of your review, and I was hoping you had five minutes to have a quick chat.","start":14.665,"end":18.685,"sentiment":"neutral","sentiment_score":0.14852198781002135}],"sentiment":"neutral","sentiment_score":0.21220866510910646,"channel":0,"num_words":28,"start":10.88,"end":18.685},{"sentences":[{"text":"I gotta get a minute or so.","start":20.535,"end":21.975,"sentiment":"neutral","sentiment_score":0.05385407965098109},{"text":"Yeah.","start":21.975,"end":22.475,"sentiment":"neutral","sentiment_score":0.03679803013801575}],"sentiment":"neutral","sentiment_score":0.05172207346186042,"channel":1,"num_words":8,"start":20.535,"end":22.475},{"sentences":[{"text":"Yeah.","start":22.665,"end":22.904999,"sentiment":"neutral","sentiment_score":0.02401505783200264},{"text":"A minute or two.","start":22.904999,"end":23.705,"sentiment":"neutral","sentiment_score":0.016942800022661686},{"text":"So I'm not so sure if we've spoken in the past, but I think I did try to reach out maybe a couple months ago.","start":23.705,"end":30.99,"sentiment":"neutral","sentiment_score":-0.009281434416770935},{"text":"And I understand that you brought out to a soft most super fund.","start":31.05,"end":33.93,"sentiment":"neutral","sentiment_score":-0.002657822691477262},{"text":"Mate, I've just read your review and then Mike Abbasi as CEO and responsible manager.","start":33.93,"end":38.43,"sentiment":"neutral","sentiment_score":-0.03293608625729879}],"sentiment":"neutral","sentiment_score":-0.011531768816298452,"channel":0,"num_words":58,"start":22.665,"end":38.43},{"sentences":[{"text":"It's actually quite concerning to me.","start":38.73,"end":40.489998,"sentiment":"negative","sentiment_score":-0.4168164332707723},{"text":"So I'm just wondering if you could give me the time to just have a little get me a better picture or a better understanding of what your experience was like just so I can get a idea of how to make this better.","start":40.489998,"end":52.355,"sentiment":"neutral","sentiment_score":-0.09157179600813171}],"sentiment":"neutral","sentiment_score":-0.1306011524796486,"channel":0,"num_words":50,"start":38.73,"end":52.355},{"sentences":[{"text":"No.","start":53.905,"end":54.405,"sentiment":"neutral","sentiment_score":-0.2928769290447235},{"text":"So the main the main issue was I suppose we were planning to have a review sometime mid last year.","start":54.704998,"end":60.07,"sentiment":"neutral","sentiment_score":-0.20416269972920417},{"text":"I'd I'd also my employment position had changed in the way of super and everything and just trying","start":62.69,"end":69.375,"sentiment":"neutral","sentiment_score":-0.23400229588150978}],"sentiment":"neutral","sentiment_score":-0.22020954485887137,"channel":1,"num_words":39,"start":53.905,"end":69.375},{"sentences":[{"text":"Okay.","start":69.205,"end":69.705,"sentiment":"neutral","sentiment_score":-0.09324736893177032}],"sentiment":"neutral","sentiment_score":-0.09324736893177032,"channel":0,"num_words":1,"start":69.205,"end":69.705},{"sentences":[{"text":"to get some understanding of what we needed to do or, you know, manage the the the contributions or the, you know, the the portfolio that I had","start":69.375,"end":78.915,"sentiment":"neutral","sentiment_score":-0.13316042747880732}],"sentiment":"neutral","sentiment_score":-0.13316042747880732,"channel":1,"num_words":28,"start":69.375,"end":78.915},{"sentences":[{"text":"Yeah.","start":78.725,"end":78.965,"sentiment":"neutral","sentiment_score":0.07517451047897339},{"text":"Absolutely.","start":78.965,"end":79.465,"sentiment":"neutral","sentiment_score":0.23084554076194763}],"sentiment":"neutral","sentiment_score":0.1530100256204605,"channel":0,"num_words":2,"start":78.725,"end":79.465},{"sentences":[{"text":"from a rich point","start":79.295,"end":79.855,"sentiment":"neutral","sentiment_score":0.20870786160230637}],"sentiment":"neutral","sentiment_score":0.20870786160230637,"channel":1,"num_words":4,"start":79.295,"end":79.855},{"sentences":[{"text":"Yep.","start":79.765,"end":80.265,"sentiment":"neutral","sentiment_score":0.12838086485862732}],"sentiment":"neutral","sentiment_score":0.12838086485862732,"channel":0,"num_words":1,"start":79.765,"end":80.265},{"sentences":[{"text":"of view.","start":79.855,"end":80.515,"sentiment":"neutral","sentiment_score":0.08433512598276138}],"sentiment":"neutral","sentiment_score":0.08433512598276138,"channel":1,"num_words":2,"start":79.855,"end":80.515},{"sentences":[{"text":"Mhmm.","start":80.805,"end":81.12,"sentiment":"neutral","sentiment_score":-0.08130311220884323}],"sentiment":"neutral","sentiment_score":-0.08130311220884323,"channel":0,"num_words":1,"start":80.805,"end":81.12},{"sentences":[{"text":"And I suppose after numerous months, I think it went from, you know, probably two or three months the first time, and then somebody told me they were changing some systems or something like that, and they they need another week or two to get back to me, and they didn't get back to me for another two or three months, so they didn't get back to me at all.","start":80.975006,"end":100.215,"sentiment":"neutral","sentiment_score":-0.22464162175144467}],"sentiment":"neutral","sentiment_score":-0.22464162175144467,"channel":1,"num_words":70,"start":80.975006,"end":100.215},{"sentences":[{"text":"Okay.","start":99.815,"end":100.315,"sentiment":"neutral","sentiment_score":-0.03371995687484741}],"sentiment":"neutral","sentiment_score":-0.03371995687484741,"channel":0,"num_words":1,"start":99.815,"end":100.315},{"sentences":[{"text":"I reached out","start":100.774994,"end":101.41499,"sentiment":"neutral","sentiment_score":-0.06070993343989054}],"sentiment":"neutral","sentiment_score":-0.06070993343989054,"channel":1,"num_words":3,"start":100.774994,"end":101.41499},{"sentences":[{"text":"Mhmm.","start":101.175,"end":101.675,"sentiment":"neutral","sentiment_score":-0.001741824671626091}],"sentiment":"neutral","sentiment_score":-0.001741824671626091,"channel":0,"num_words":1,"start":101.175,"end":101.675},{"sentences":[{"text":"to them again, and nothing happened again.","start":101.41499,"end":104.534996,"sentiment":"neutral","sentiment_score":-0.115822933614254},{"text":"So I I decided for for other reasons as well that I'd I'd I'd move it into a self managed Superfund.","start":104.534996,"end":110.55499,"sentiment":"neutral","sentiment_score":0.029642226617960704}],"sentiment":"neutral","sentiment_score":-0.006724063440092972,"channel":1,"num_words":28,"start":101.41499,"end":110.55499},{"sentences":[{"text":"Yeah.","start":110.695,"end":111.09,"sentiment":"neutral","sentiment_score":0.10814285278320312},{"text":"Absolutely.","start":111.25,"end":111.75,"sentiment":"neutral","sentiment_score":0.13601289689540863}],"sentiment":"neutral","sentiment_score":0.12207787483930588,"channel":0,"num_words":2,"start":110.695,"end":111.75},{"sentences":[{"text":"Anyway,","start":111.494995,"end":111.994995,"sentiment":"neutral","sentiment_score":0.11232580244541168}],"sentiment":"neutral","sentiment_score":0.11232580244541168,"channel":1,"num_words":1,"start":111.494995,"end":111.994995},{"sentences":[{"text":"Yeah.","start":112.92999,"end":113.25,"sentiment":"neutral","sentiment_score":0.0798284113407135},{"text":"No.","start":113.25,"end":113.49,"sentiment":"neutral","sentiment_score":0.05379816144704819},{"text":"Thank you.","start":113.49,"end":113.89,"sentiment":"neutral","sentiment_score":0.3252333104610443},{"text":"Thank you for that.","start":113.89,"end":114.60999,"sentiment":"positive","sentiment_score":0.6123467832803726},{"text":"I appreciate it.","start":114.60999,"end":115.329994,"sentiment":"positive","sentiment_score":0.7015549143155416}],"sentiment":"positive","sentiment_score":0.4852859154343605,"channel":0,"num_words":11,"start":112.92999,"end":115.329994},{"sentences":[{"text":"And, you know, we we are I'm I guess, myself, personally, I'm a firm believer that, you know, it's your money at the end of the day, so you are entitled to do whatever you like with it.","start":115.329994,"end":123.495,"sentiment":"positive","sentiment_score":0.4000814753143411},{"text":"One thing I did wanna have a a chat about was the performance.","start":124.055,"end":127.755005,"sentiment":"neutral","sentiment_score":0.09254351114997497},{"text":"Did you have a look at the performance of that up 24 accounts?","start":127.815,"end":130.77501,"sentiment":"neutral","sentiment_score":0.028440178873447273},{"text":"Or","start":130.77501,"end":131.27501,"sentiment":"neutral","sentiment_score":0.03432478755712509}],"sentiment":"neutral","sentiment_score":0.25861859722779346,"channel":0,"num_words":65,"start":115.329994,"end":131.27501},{"sentences":[{"text":"Yeah.","start":133.015,"end":133.335,"sentiment":"neutral","sentiment_score":0.013336414471268654},{"text":"I mean, it pretty much came out for the same amount that I've invested.","start":133.335,"end":136.875,"sentiment":"neutral","sentiment_score":0.022279928704457625},{"text":"So over the year or two, I haven't 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returns.","start":144.39,"end":147.34999,"sentiment":"neutral","sentiment_score":0.14991465359926223},{"text":"So I just wanted to kind of make sure that they're you know, we're on the same page as well.","start":147.34999,"end":151.655,"sentiment":"neutral","sentiment_score":0.3246492639183998},{"text":"And like I said, that review was concerning to me.","start":152.515,"end":155.315,"sentiment":"neutral","sentiment_score":0.19539955854415894},{"text":"So, obviously, it's my role to make sure that clients are happy and make sure that we can do everything to the best of our abilities, and sounds like you're just satisfied.","start":155.315,"end":162.195,"sentiment":"positive","sentiment_score":0.5205923216417432}],"sentiment":"positive","sentiment_score":0.3521305477050574,"channel":0,"num_words":76,"start":142.70999,"end":162.195},{"sentences":[{"text":"So thank you for letting me know that.","start":162.195,"end":163.74,"sentiment":"positive","sentiment_score":0.6185250980779529},{"text":"But looking at your accounts from the last the last documents that we brought up, yeah, there was a 10.84% return net of fees.","start":164.22,"end":173.82,"sentiment":"neutral","sentiment_score":0.02952686285910507},{"text":"So just by income, by way of dividends and distributions, and growth in your that period was sixteen thousand nine hundred and sixty four dollars and ninety one cents outside of contributions.","start":173.82,"end":185.125,"sentiment":"neutral","sentiment_score":0.050675404141657054},{"text":"So after the fees rolled in, you're looking at about 96,000 and up 24.","start":185.50499,"end":191.205,"sentiment":"neutral","sentiment_score":0.018432568026972667},{"text":"When we consolidated.","start":191.81,"end":192.70999,"sentiment":"neutral","sentiment_score":0.00841597436616818}],"sentiment":"neutral","sentiment_score":0.09335509013890485,"channel":0,"num_words":81,"start":162.195,"end":192.70999},{"sentences":[{"text":"I believe there was two a it was an AMP fund, an AMZed Super Choice fund, as well as another AMP signature account.","start":192.93,"end":199.90999,"sentiment":"neutral","sentiment_score":0.019396209664156904},{"text":"Is is did you have two or three Super Funds prior to us consolidating it?","start":201.09,"end":206.245,"sentiment":"neutral","sentiment_score":-0.002038322016596794},{"text":"Or","start":206.245,"end":206.745,"sentiment":"neutral","sentiment_score":-0.005790579132735729}],"sentiment":"neutral","sentiment_score":0.010506343920356952,"channel":0,"num_words":39,"start":192.93,"end":206.745},{"sentences":[{"text":"Just to yeah.","start":207.03,"end":207.83,"sentiment":"neutral","sentiment_score":-0.0045256575879951315},{"text":"I had a a and","start":207.83,"end":208.79001,"sentiment":"neutral","sentiment_score":-0.005667632445693016}],"sentiment":"neutral","sentiment_score":-0.0052393918740563095,"channel":1,"num_words":8,"start":207.03,"end":208.79001},{"sentences":[{"text":"yeah.","start":208.565,"end":208.805,"sentiment":"neutral","sentiment_score":-0.003904640208929777}],"sentiment":"neutral","sentiment_score":-0.003904640208929777,"channel":0,"num_words":1,"start":208.565,"end":208.805},{"sentences":[{"text":"p","start":208.79001,"end":209.29001,"sentiment":"neutral","sentiment_score":-0.003893926041200757}],"sentiment":"neutral","sentiment_score":-0.003893926041200757,"channel":1,"num_words":1,"start":208.79001,"end":209.29001},{"sentences":[{"text":"Just two.","start":208.805,"end":209.625,"sentiment":"neutral","sentiment_score":-0.005645505851134658}],"sentiment":"neutral","sentiment_score":-0.005645505851134658,"channel":0,"num_words":2,"start":208.805,"end":209.625},{"sentences":[{"text":"contributions because I had my insurance associated to it.","start":209.59,"end":212.33,"sentiment":"neutral","sentiment_score":-0.03507529468172126}],"sentiment":"neutral","sentiment_score":-0.03507529468172126,"channel":1,"num_words":9,"start":209.59,"end":212.33},{"sentences":[{"text":"Yeah.","start":212.405,"end":212.565,"sentiment":"neutral","sentiment_score":0.004012935794889927},{"text":"Gotcha.","start":212.565,"end":212.965,"sentiment":"neutral","sentiment_score":0.00456071924418211},{"text":"Gotcha.","start":212.965,"end":213.365,"sentiment":"neutral","sentiment_score":0.01665879227221012},{"text":"And that's why we retained that AMP signature of $10,000.","start":213.365,"end":216.405,"sentiment":"neutral","sentiment_score":0.048735525086522104},{"text":"Yep.","start":216.405,"end":216.905,"sentiment":"neutral","sentiment_score":0.09530729055404664}],"sentiment":"neutral","sentiment_score":0.043421070623610704,"channel":0,"num_words":14,"start":212.405,"end":216.905},{"sentences":[{"text":"So, yeah, starting from that $9,696,600, it it essentially grew to, you know, a 111,532 outside.","start":217.045,"end":226.89,"sentiment":"neutral","sentiment_score":0.11463708616793156},{"text":"Well, that's inclusive of contributions as well.","start":227.19,"end":229.85,"sentiment":"neutral","sentiment_score":0.07083667548639434},{"text":"But 16,964 of that was external from the contribution.","start":230.07,"end":234.25,"sentiment":"neutral","sentiment_score":-0.07065174935592546},{"text":"So I just wanted to make sure that, you know, that was that was just clearly outlined to, you know, not leave it too too much for sour taste, but, yeah, the service is concerning.","start":234.375,"end":245.515,"sentiment":"neutral","sentiment_score":-0.31719212106295996},{"text":"I do apologize that that, you know, you you had that experience with our firm.","start":246.775,"end":252.05,"sentiment":"negative","sentiment_score":-0.36955597599347434}],"sentiment":"neutral","sentiment_score":-0.18232779895387044,"channel":0,"num_words":82,"start":217.045,"end":252.05},{"sentences":[{"text":"Yep.","start":251.985,"end":252.30501,"sentiment":"neutral","sentiment_score":0.023150917142629623},{"text":"Okay.","start":252.30501,"end":252.80501,"sentiment":"neutral","sentiment_score":0.02280356176197529}],"sentiment":"neutral","sentiment_score":0.022977239452302456,"channel":1,"num_words":2,"start":251.985,"end":252.80501},{"sentences":[{"text":"K.","start":253.35,"end":253.85,"sentiment":"neutral","sentiment_score":0.032563723623752594},{"text":"Now looking at our role, it was actually perfect timing regarding your self managed super fund, especially with the new legislation changes.","start":254.55,"end":262.41,"sentiment":"neutral","sentiment_score":0.1750712486153299},{"text":"So I did notice as well that when when we re the re I noticed that we actually put a hold on your account and stopped doing any sort of trading or action on it based on an email.","start":262.845,"end":274.845,"sentiment":"neutral","sentiment_score":-0.2633337206565417},{"text":"Did you send for an email just saying, look.","start":274.845,"end":277.565,"sentiment":"neutral","sentiment_score":-0.08840828264753024},{"text":"It's regarding the I think it looks like one of the team members reached out to you and tried to book in some time to, you know, book in that annual review, and you said it looks a little bit too late.","start":277.565,"end":288.59998,"sentiment":"neutral","sentiment_score":-0.127089561318003}],"sentiment":"neutral","sentiment_score":-0.11079044275777003,"channel":0,"num_words":113,"start":253.35,"end":288.59998},{"sentences":[{"text":"Please pause all services and action on my account.","start":288.81998,"end":291.8,"sentiment":"negative","sentiment_score":-0.4134671224488152},{"text":"That's that's just wanna point out that that's why we actually put a hold on the account and you indicated that you didn't want us to reach out again.","start":292.97998,"end":299.525,"sentiment":"neutral","sentiment_score":-0.2910458291399068}],"sentiment":"neutral","sentiment_score":-0.3200403459762272,"channel":0,"num_words":38,"start":288.81998,"end":299.525},{"sentences":[{"text":"Yeah.","start":300.425,"end":300.745,"sentiment":"neutral","sentiment_score":-0.11423438042402267},{"text":"I've already rolled out all my hub funds.","start":300.745,"end":302.905,"sentiment":"neutral","sentiment_score":-0.16219049878418446},{"text":"They're all gone.","start":302.905,"end":303.54498,"sentiment":"neutral","sentiment_score":-0.26692022879918414},{"text":"This the hub account shut","start":303.54498,"end":304.66498,"sentiment":"neutral","sentiment_score":-0.1821766674518585}],"sentiment":"neutral","sentiment_score":-0.18372955260907903,"channel":1,"num_words":17,"start":300.425,"end":304.66498},{"sentences":[{"text":"Alright.","start":304.625,"end":305.025,"sentiment":"neutral","sentiment_score":-0.098110131919384}],"sentiment":"neutral","sentiment_score":-0.098110131919384,"channel":0,"num_words":1,"start":304.625,"end":305.025},{"sentences":[{"text":"down.","start":304.66498,"end":305.145,"sentiment":"neutral","sentiment_score":-0.08064518123865128}],"sentiment":"neutral","sentiment_score":-0.08064518123865128,"channel":1,"num_words":1,"start":304.66498,"end":305.145},{"sentences":[{"text":"Yeah.","start":305.025,"end":305.425,"sentiment":"neutral","sentiment_score":-0.042262427508831024}],"sentiment":"neutral","sentiment_score":-0.042262427508831024,"channel":0,"num_words":1,"start":305.025,"end":305.425},{"sentences":[{"text":"I've opened","start":305.145,"end":305.705,"sentiment":"neutral","sentiment_score":-0.06585580110549927}],"sentiment":"neutral","sentiment_score":-0.06585580110549927,"channel":1,"num_words":2,"start":305.145,"end":305.705},{"sentences":[{"text":"No.","start":305.425,"end":305.665,"sentiment":"neutral","sentiment_score":-0.1609431505203247},{"text":"No.","start":305.665,"end":306.165,"sentiment":"neutral","sentiment_score":-0.1998409479856491}],"sentiment":"neutral","sentiment_score":-0.1803920492529869,"channel":0,"num_words":2,"start":305.425,"end":306.165},{"sentences":[{"text":"up the self manage.","start":305.705,"end":306.685,"sentiment":"neutral","sentiment_score":-0.1835651509463787}],"sentiment":"neutral","sentiment_score":-0.1835651509463787,"channel":1,"num_words":4,"start":305.705,"end":306.685},{"sentences":[{"text":"I understand that.","start":307.10498,"end":308.19,"sentiment":"neutral","sentiment_score":-0.11302195737759273},{"text":"Honestly, like I said before, it's Brandon, it's a perfect timing, especially with the landscape completely changing.","start":308.19,"end":315.25,"sentiment":"neutral","sentiment_score":-0.01719790083520553},{"text":"What are your intentions?","start":315.63,"end":316.43,"sentiment":"neutral","sentiment_score":-0.026787339709699154},{"text":"Are you gonna buy an investment property or","start":316.43,"end":318.69,"sentiment":"neutral","sentiment_score":-0.02437763218767941}],"sentiment":"neutral","sentiment_score":-0.0291750188334845,"channel":0,"num_words":32,"start":307.10498,"end":318.69},{"sentences":[{"text":"No.","start":319.22,"end":319.38,"sentiment":"neutral","sentiment_score":-0.11173665523529051},{"text":"I'm putting all into crypto.","start":319.38,"end":320.6,"sentiment":"neutral","sentiment_score":-0.05345985889434814}],"sentiment":"neutral","sentiment_score":-0.0631726582845052,"channel":1,"num_words":6,"start":319.22,"end":320.6},{"sentences":[{"text":"crypto?","start":321.06998,"end":321.56998,"sentiment":"neutral","sentiment_score":-0.010747212916612623}],"sentiment":"neutral","sentiment_score":-0.010747212916612623,"channel":0,"num_words":1,"start":321.06998,"end":321.56998},{"sentences":[{"text":"Yes.","start":322.1,"end":322.6,"sentiment":"neutral","sentiment_score":0.08074481785297394}],"sentiment":"neutral","sentiment_score":0.08074481785297394,"channel":1,"num_words":1,"start":322.1,"end":322.6},{"sentences":[{"text":"Perfect.","start":322.555,"end":323.055,"sentiment":"neutral","sentiment_score":0.1700846403837204}],"sentiment":"neutral","sentiment_score":0.1700846403837204,"channel":0,"num_words":1,"start":322.555,"end":323.055},{"sentences":[{"text":"I","start":323.13998,"end":323.38,"sentiment":"neutral","sentiment_score":-0.02360212802886963}],"sentiment":"neutral","sentiment_score":-0.02360212802886963,"channel":1,"num_words":1,"start":323.13998,"end":323.38},{"sentences":[{"text":"You","start":323.275,"end":323.595,"sentiment":"neutral","sentiment_score":-0.07400767505168915}],"sentiment":"neutral","sentiment_score":-0.07400767505168915,"channel":0,"num_words":1,"start":323.275,"end":323.595},{"sentences":[{"text":"tried","start":323.38,"end":323.69998,"sentiment":"neutral","sentiment_score":-0.07447078078985214}],"sentiment":"neutral","sentiment_score":-0.07447078078985214,"channel":1,"num_words":1,"start":323.38,"end":323.69998},{"sentences":[{"text":"got","start":323.595,"end":323.835,"sentiment":"neutral","sentiment_score":-0.046072281897068024}],"sentiment":"neutral","sentiment_score":-0.046072281897068024,"channel":0,"num_words":1,"start":323.595,"end":323.835},{"sentences":[{"text":"to","start":323.69998,"end":323.86,"sentiment":"neutral","sentiment_score":-0.06053438037633896}],"sentiment":"neutral","sentiment_score":-0.06053438037633896,"channel":1,"num_words":1,"start":323.69998,"end":323.86},{"sentences":[{"text":"a","start":323.835,"end":324.335,"sentiment":"neutral","sentiment_score":-0.08421836048364639}],"sentiment":"neutral","sentiment_score":-0.08421836048364639,"channel":0,"num_words":1,"start":323.835,"end":324.335},{"sentences":[{"text":"do that with you guys, but you wouldn't do it because it's too high risk as well.","start":323.86,"end":327.015,"sentiment":"neutral","sentiment_score":-0.20392555261359496}],"sentiment":"neutral","sentiment_score":-0.20392555261359496,"channel":1,"num_words":17,"start":323.86,"end":327.015},{"sentences":[{"text":"well, we don't as an AFSL, we don't actually know Australian Financial Services license for financial planning in Australia is actually able to invest superannuation in crypto right now unless it's a self managed super 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your goal and you wanna invest in crypto, you're you're in the right position to do it.","start":350.605,"end":354.785,"sentiment":"neutral","sentiment_score":-0.00611392967402935}],"sentiment":"neutral","sentiment_score":-0.0677016424705033,"channel":0,"num_words":54,"start":341.44998,"end":354.785},{"sentences":[{"text":"Yep.","start":354.875,"end":355.35498,"sentiment":"neutral","sentiment_score":0.013904161751270294},{"text":"No.","start":355.35498,"end":355.675,"sentiment":"neutral","sentiment_score":-0.02727079950273037},{"text":"It's all 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mate.","start":358.045,"end":359.725,"sentiment":"positive","sentiment_score":0.560286995023489},{"text":"I just wanna get a, like I said, better understanding, make sure that we can improve our services and implement some policies and procedures to do better every time.","start":359.725,"end":367.49,"sentiment":"positive","sentiment_score":0.4152810897292762},{"text":"That's always my intention, and I apologize if you had that experience.","start":367.49,"end":371.19,"sentiment":"neutral","sentiment_score":-0.01692327857017517}],"sentiment":"neutral","sentiment_score":0.3315112243096034,"channel":0,"num_words":51,"start":357.005,"end":371.19},{"sentences":[{"text":"And, yeah, look, if you need anything else from our end, don't hesitate to reach 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sir.","start":378.75494,"end":379.55493,"sentiment":"positive","sentiment_score":0.820283035437266},{"text":"Bye.","start":379.55493,"end":380.05493,"sentiment":"positive","sentiment_score":0.4542241096496582}],"sentiment":"positive","sentiment_score":0.7287683039903641,"channel":0,"num_words":4,"start":378.75494,"end":380.05493},{"sentences":[{"text":"Bye.","start":380.19,"end":380.69,"sentiment":"neutral","sentiment_score":-0.12148766964673996}],"sentiment":"neutral","sentiment_score":-0.12148766964673996,"channel":1,"num_words":1,"start":380.19,"end":380.69}]},"summary":{"result":"success","short":"The customer, Brendon Roo, had a recent review from Oakview Financial and the representative, Savi Zutter, wants to get a better understanding of their investment portfolio. The representative explains that the review was concerning to Roo and that they are moving into a self-help fund. The representative also discusses the performance of Roo's accounts and the hold on Roo's account due to a new legislation. The representative apologizes for the experience and assures the customer that they will improve their services and implement policies and procedures."},"intents":{"segments":[{"text":"I just had a read of your review, and I was hoping you had five minutes to have a quick chat. I gotta get a minute or so. Yeah.","start_word":33,"end_word":61,"intents":[{"intent":"Collect feedback on review","confidence_score":0.00006244227}]},{"text":"But looking at your accounts from the last the last documents that we brought up, yeah, there was a 10.84% return net of fees. So just by income, by way of dividends and distributions, and growth in your that period was sixteen thousand nine hundred and sixty four dollars and ninety one cents outside of contributions. So after the fees rolled in, you're looking at about 96,000 and up 24. When we consolidated.","start_word":546,"end_word":618,"intents":[{"intent":"Recall account balance","confidence_score":0.00030980707}]},{"text":"It's regarding the I think it looks like one of the team members reached out to you and tried to book in some time to, you know, book in that annual review, and you said it looks a little bit too late. Please pause all services and action on my account. That's that's just wanna point out that that's why we actually put a hold on the account and you indicated that you didn't want us to reach out again.","start_word":848,"end_word":927,"intents":[{"intent":"Explain situation","confidence_score":0.192081},{"intent":"Explain situation","confidence_score":0.059074264}]},{"text":"Please pause all services and action on my account.","start_word":889,"end_word":897,"intents":[{"intent":"Instruct to stop services","confidence_score":0.0003224511},{"intent":"Instruct to pause services and actions","confidence_score":0.000029327946}]},{"text":"well, we don't as an AFSL, we don't actually know Australian Financial Services license for financial planning in Australia is actually able to invest superannuation in crypto right now unless it's a self managed super fund. Yeah. Yeah.","start_word":1019,"end_word":1056,"intents":[{"intent":"Offer to invest superannuation","confidence_score":0.010236195}]},{"text":"Well, again, thank you for your time, mate.","start_word":1120,"end_word":1127,"intents":[{"intent":"Express gratitude","confidence_score":0.00015740053},{"intent":"Say goodbye","confidence_score":0.0023728923},{"intent":"End conversation","confidence_score":0.016892353}]}]},"sentiments":{"segments":[{"text":"Brent speaking. Hey. Am I speaking with, sorry, Brendon Roo? That's right. Yeah. Brendon, mate, my name is Savi Zutter. How are you today?","start_word":0,"end_word":23,"sentiment":"neutral","sentiment_score":0.12502537667751312},{"text":"Good. Thanks. That's good.","start_word":24,"end_word":27,"sentiment":"positive","sentiment_score":0.7181077003479004},{"text":"I'm calling from Oakview Financial. I just had a read of your review, and I was hoping you had five minutes to have a quick chat. I gotta get a minute or so. Yeah. Yeah. A minute or two. So I'm not so sure if we've spoken in the past, but I think I did try to reach out maybe a couple months ago. And I understand that you brought out to a soft most super fund. Mate, I've just read your review and then Mike Abbasi as CEO and responsible manager.","start_word":28,"end_word":119,"sentiment":"neutral","sentiment_score":0.04933634400367737},{"text":"It's actually quite concerning to me.","start_word":120,"end_word":125,"sentiment":"negative","sentiment_score":-0.4267122745513916},{"text":"So I'm just wondering if you could give me the time to just have a little get me a better picture or a better understanding of what your experience was like just so I can get a idea of how to make this better. No. So the main the main issue was I suppose we were planning to have a review sometime mid last year. I'd I'd also my employment position had changed in the way of super and everything and just trying Okay. to get some understanding of what we needed to do or, you know, manage the the the contributions or the, you know, the the portfolio that I had Yeah. Absolutely. from a rich point Yep. of view. Mhmm. And I suppose after numerous months, I think it went from, you know, probably two or three months the first time, and then somebody told me they were changing some systems or something like that, and they they need another week or two to get back to me, and they didn't get back to me for another two or three months, so they didn't get back to me at all. Okay. I reached out Mhmm. to them again, and nothing happened again. So I I decided for for other reasons as well that I'd I'd I'd move it into a self managed Superfund. Yeah. Absolutely. Anyway, Yeah. No. Thank you.","start_word":126,"end_word":357,"sentiment":"neutral","sentiment_score":-0.1142358487022334},{"text":"Thank you for that. I appreciate it. And, you know, we we are I'm I guess, myself, personally, I'm a firm believer that, you know, it's your money at the end of the day, so you are entitled to do whatever you like with it.","start_word":358,"end_word":402,"sentiment":"positive","sentiment_score":0.43211954832077026},{"text":"One thing I did wanna have a a chat about was the performance. Did you have a look at the performance of that up 24 accounts? Or Yeah. I mean, it pretty much came out for the same amount that I've invested. So over the year or two, I haven't really Okay. growth grown apart from the contribution. Well, not particularly, sir. It it grew just by way of income and returns.","start_word":403,"end_word":474,"sentiment":"neutral","sentiment_score":0.038517557084560394},{"text":"So I just wanted to kind of make sure that they're you know, we're on the same page as well.","start_word":475,"end_word":494,"sentiment":"positive","sentiment_score":0.3364419937133789},{"text":"And like I said, that review was concerning to me.","start_word":495,"end_word":504,"sentiment":"neutral","sentiment_score":0.1965331435203552},{"text":"So, obviously, it's my role to make sure that clients are happy and make sure that we can do everything to the best of our abilities, and sounds like you're just satisfied. So thank you for letting me know that.","start_word":505,"end_word":544,"sentiment":"positive","sentiment_score":0.5493243932723999},{"text":"But looking at your accounts from the last the last documents that we brought up, yeah, there was a 10.84% return net of fees. So just by income, by way of dividends and distributions, and growth in your that period was sixteen thousand nine hundred and sixty four dollars and ninety one cents outside of contributions. So after the fees rolled in, you're looking at about 96,000 and up 24. When we consolidated. I believe there was two a it was an AMP fund, an AMZed Super Choice fund, as well as another AMP signature account. Is is did you have two or three Super Funds prior to us consolidating it? Or Just to yeah. I had a a and yeah. p Just two. contributions because I had my insurance associated to it. Yeah. Gotcha. Gotcha. And that's why we retained that AMP signature of $10,000. Yep. So, yeah, starting from that $9,696,600, it it essentially grew to, you know, a 111,532 outside. Well, that's inclusive of contributions as well. But 16,964 of that was external from the contribution. So I just wanted to make sure that, you know, that was that was just clearly outlined to, you know, not leave it too too much for sour taste, but, yeah, the service is concerning.","start_word":545,"end_word":758,"sentiment":"neutral","sentiment_score":-0.022145939990878105},{"text":"I do apologize that that, you know, you you had that experience with our firm.","start_word":759,"end_word":773,"sentiment":"negative","sentiment_score":-0.3668493330478668},{"text":"Yep. Okay. K. Now looking at our role, it was actually perfect timing regarding your self managed super fund, especially with the new legislation changes. So I did notice as well that when when we re the re I noticed that we actually put a hold on your account and stopped doing any sort of trading or action on it based on an email. Did you send for an email just saying, look. It's regarding the I think it looks like one of the team members reached out to you and tried to book in some time to, you know, book in that annual review, and you said it looks a little bit too late.","start_word":774,"end_word":888,"sentiment":"neutral","sentiment_score":-0.10610543068336405},{"text":"Please pause all services and action on my account.","start_word":889,"end_word":897,"sentiment":"negative","sentiment_score":-0.408930629491806},{"text":"That's that's just wanna point out that that's why we actually put a hold on the account and you indicated that you didn't want us to reach out again. Yeah. I've already rolled out all my hub funds. They're all gone. This the hub account shut Alright. down. Yeah. I've opened No. No. up the self manage. I understand that. Honestly, like I said before, it's Brandon, it's a perfect timing, especially with the landscape completely changing. What are your intentions? Are you gonna buy an investment property or No. I'm putting all into crypto. crypto? Yes. Perfect. I You tried got to a do that with you guys, but you wouldn't do it because it's too high risk as well. well, we don't as an AFSL, we don't actually know Australian Financial Services license for financial planning in Australia is actually able to invest superannuation in crypto right now unless it's a self managed super fund. Yeah. Yeah. So that's that's probably why and I think Dana was your adviser. It's probably why she would have said, look, we can't really do much with it unless you set up an SMSF. But look, if that's your goal and you wanna invest in crypto, you're you're in the right position to do it. Yep. No. It's all done Yep. now. Yep.","start_word":898,"end_word":1118,"sentiment":"neutral","sentiment_score":-0.12274786829948424},{"text":"Beautiful. Well, again, thank you for your time, mate. I just wanna get a, like I said, better understanding, make sure that we can improve our services and implement some policies and procedures to do better every time.","start_word":1119,"end_word":1156,"sentiment":"positive","sentiment_score":0.4315324762934133},{"text":"That's always my intention, and I apologize if you had that experience. And, yeah, look, if you need anything else from our end, don't hesitate to reach out.","start_word":1157,"end_word":1184,"sentiment":"neutral","sentiment_score":0.10573849827051164},{"text":"Okay. Great. Thank you. Appreciate it, sir. Bye.","start_word":1185,"end_word":1192,"sentiment":"positive","sentiment_score":0.7235524654388428},{"text":"Bye.","start_word":1193,"end_word":1193,"sentiment":"neutral","sentiment_score":0.26804181933403015}],"average":{"sentiment":"neutral","sentiment_score":0.010696975327234622}}}}