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I had you booked in for a pretty quick catch up, really, just to kind of go over the research I did on your super investment. Is now still a good time? Yeah. 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? Perfect. And, sorry, the state of birth as well. Yeah. Amazing. That's exactly what I have here. Now, Anthony, do you have access to your emails at the moment? Okay. Beautiful. So what I have done is I have to send you an email with the documents. If you are able to access it at the same time, it just makes it a little bit easier for you. It's pretty straightforward today, so I won't take up too much of your time. A lot of it in the document is for compliance purposes. So I will let you have a read over most of it in your own time, and I'll just kind of explain the differences that I have recommended. Perfect. Now did you get that email okay? Did that come through? Perfect. So if you can go into the email for me, you should see the first page where it says statement of advice prepared for yep. Perfect. So kind of like I said, every time we do make a recommendation on any financial product and make tailored financial advice, we have to put everything in the statement of advice for you just to make sure you fully understand everything. Now at the bottom of this page here, you will also see my details. You will see my authorized representative number listed, and I am licensed under Oakview Financial. Now every time we do make a recommendation as well, we have to follow that best interest duty, which is kind of outlined on page two for you. Basically, what it means is that we have to make sure that the we always put your best interest before everything else. And the adviser 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 make sense? Yeah. Beautiful. Now like I said, it is pretty straightforward today. So what I will get you to do is if you can scroll through for me down through page let me see here. Page 17. So as you scroll through, you'll see couple of pages with some personal information about you. There's a couple of pages in regards to risk profiles. Now we're not making any changes. We are keeping you within your growth profile. Not making any changes to increasing risk or anything like that. It is literally just making one investment switch, and that's Hub twenty four account just to make sure it's still a good option for you or if there was any other super funds that was going to be better for you. Because things are always changing, so it is good to kind of reassess it every now and then. And at the moment, hub twenty four still is very much competitive. It's very competitive when it comes to the the fees and the cost and the fees and the cost investment choices and flexibilities. So I have recommended you stay in Hub twenty four, and, literally, the only change is swapping one investment, which was the Benelung investment, which was underperforming a little bit to another alternative. Now how that changes things for you is that page 17, can you see the fee comparison table? Yes. So on the on page 17 in that document. Can you see that? Or what that is probably the appendix. Now if you can you click on the link where it says sign now? No. That's okay. What you are seeing, though, is the appendix. I feel like research growth. Yep. So when you click on the link, hopefully, there should be a page where it says 26 pages. That'll be useful. 17. Yes, please. And we're not making any changes to insurances or anything like that. Literally just swapping that one investment. So let me know when you can see page 17 where it says fee comparison. Perfect. Now this just shows you the changes and all the numbers. So the good thing by making that one investment bridge, there's actually no capital gains tax with the change, which is great. In addition, it has reduced the investment fees for you. So the total difference in fees and this is just from one investment. It is saving you about $475 a year in investment fees alone, which I thought was pretty good. And it's also improving the performance. So at the bottom there, you can see your three year rolling average. You can see your current and then the recommended. And by making that one investment switch, again, when we are looking at the three year rolling average historically, it has outperformed by about 4.23%, which, again, I thought was pretty good from just making that one switch. So very simple. No other changes. Now what that actually looks like, if you can scroll up for me to page 16, it doesn't change. So this shows you your risk profile. So it shows you your existing. So you have your risk profile in the second column, which is that eighty twenty split. You have your existing portfolio and then the proposed. And you can see that we are just switching your one Australian equity for another Australian equity, so it does not change your risk at all. Just literally one. So pretty straightforward. And if you wanna scroll up to page 14 for me, that shows you what we are changing. So you can see here what's in red. It is what we are selling. So that is the Benelong Australian equity is the only one we're selling, and what we are swapping it for is the one at the bottom where it says beta shares Australia 200. Same same allocation, same dollar value. It's just a straight switch. And this investment, just for your reference, it does invest in the 200 largest companies listed on the ASX in Australia. So very diversified for you to give you that the the exposure because we wanna make sure as well that if we take one Australian investment out, we wanna make sure we still have some investment in the Australian market. We don't wanna have everything just overseas or everything in one area. We wanna make sure we keep that diversification. So I have recommended that we just make that one switch for you. I did consider if we needed to make any other justification, but all the other investments are doing pretty good and aligned with everything. So the best the best option I could find for you and the easiest as well minimizing that tax, literally just that one straightforward switch for you. Does that make sense, Anthony? Yeah. Beautiful. And if you go to page 18, you will actually see a bit of a projected change. So I have shown five and ten years so that you can see that it does compound. So by proving returns a little bit, reducing fees a little bit, it is making a bit of a difference when we're looking longer term. And you can even see underneath that on the table, I have done the twelve month comparison for you for the returns as well. And you can see that even the last twelve months that the recommended investment has outperformed the vendor loan itself for you. And that was essentially everything. So it is a long document for for one switch, but it is to make sure that you have time to read over it. It outlines all the risks and the disadvantages and the benefits of the recommendation, which I've kind of touched on if you are saving fees. There's no tax, which is great. And one risk to be mindful of is there's always the level of risk associated with any investment option. So the good thing with the the new recommended switch is it is just kind of tracking that top 200. So it is a little bit smoother than the Benelon, which was kind of aiming to actively buy and sell different investment. Yeah. And if you are happy with the recommendation, there is no changes in regards to the fee structure at all. So it stays exactly the same at 1.1 from superannuation for you. No changes in regards to any of that. It is all part of the ongoing advice fee for us to obviously do this research here for us to see that we wanna make any case. So pretty straightforward today. Do you have any questions for me, or what are your thoughts on this, Anthony? Yeah. Amazing. So if you are happy to press it should say sign now. It should ask you to add a signature at the bottom, and I think it dates it as well. Beautiful. And then it should say validate. Alright. I'll refresh that on my end. And while I wait for that through, just to make sure if that comes through, I can see here as well that it looks like the ID we have on file for you has expired. Did you recently receive a new I driver's license or anything like that? A little while ago? Yeah. Yeah. Okay. When you have a moment, would you be able to take a photo of the front and the back of your driver's license and email that through to me? Yeah. Would you like me to read out the email address? Do you have a paper or pen anywhere? Okay. Beautiful. Yes. You ready? Yep. So it's servicing Yes. At Oakview Financial, that's one word, dot com dot a u. Beautiful. Just the front end of the back, I will let the team know. We'll just save it on file for you. And I can see here as well that the documents have come through signed, which is great. So I will let the team know that we'll go ahead and make that one investment switch for you, which is great. And that was essentially everything on on my end today. So pretty nice and quick there, Anthony. But do you have any questions for me before I let you go otherwise? No. Beautiful. Well, thank you so much for your time this afternoon. If there's anything else that you need, just let me know. Okay? No worries. We'll speak soon, Anthony. 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afternoon, Anthony. It's Veronica from Financial. How are you? That's good. I had you booked in for a pretty quick catch up, really, just to kind of go over the research I did on your super investment.\n\nIs now still a good time? Yeah. 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? Perfect. And, sorry, the state of birth as well. Yeah. Amazing.\n\nThat's exactly what I have here. Now, Anthony, do you have access to your emails at the moment? Okay. Beautiful. So what I have done is I have to send you an email with the documents.\n\nIf you are able to access it at the same time, it just makes it a little bit easier for you. It's pretty straightforward today, so I won't take up too much of your time. A lot of it in the document is for compliance purposes. So I will let you have a read over most of it in your own time, and I'll just kind of explain the differences that I have recommended. Perfect.\n\nNow did you get that email okay? Did that come through? Perfect. So if you can go into the email for me, you should see the first page where it says statement of advice prepared for yep. Perfect.\n\nSo kind of like I said, every time we do make a recommendation on any financial product and make tailored financial advice, we have to put everything in the statement of advice for you just to make sure you fully understand everything. Now at the bottom of this page here, you will also see my details. You will see my authorized representative number listed, and I am licensed under Oakview Financial. Now every time we do make a recommendation as well, we have to follow that best interest duty, which is kind of outlined on page two for you. Basically, what it means is that we have to make sure that the we always put your best interest before everything else.\n\nAnd the adviser 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 make sense? Yeah. Beautiful.\n\nNow like I said, it is pretty straightforward today. So what I will get you to do is if you can scroll through for me down through page let me see here. Page 17. So as you scroll through, you'll see couple of pages with some personal information about you. There's a couple of pages in regards to risk profiles.\n\nNow we're not making any changes. We are keeping you within your growth profile. Not making any changes to increasing risk or anything like that. It is literally just making one investment switch, and that's Hub twenty four account just to make sure it's still a good option for you or if there was any other super funds that was going to be better for you. Because things are always changing, so it is good to kind of reassess it every now and then.\n\nAnd at the moment, hub twenty four still is very much competitive. It's very competitive when it comes to the the fees and the cost and the fees and the cost investment choices and flexibilities. So I have recommended you stay in Hub twenty four, and, literally, the only change is swapping one investment, which was the Benelung investment, which was underperforming a little bit to another alternative. Now how that changes things for you is that page 17, can you see the fee comparison table? Yes.\n\nSo on the on page 17 in that document. Can you see that? Or what that is probably the appendix. Now if you can you click on the link where it says sign now? No.\n\nThat's okay. What you are seeing, though, is the appendix. I feel like research growth. Yep. So when you click on the link, hopefully, there should be a page where it says 26 pages.\n\nThat'll be useful. 17. Yes, please. And we're not making any changes to insurances or anything like that. Literally just swapping that one investment.\n\nSo let me know when you can see page 17 where it says fee comparison. Perfect. Now this just shows you the changes and all the numbers. So the good thing by making that one investment bridge, there's actually no capital gains tax with the change, which is great. In addition, it has reduced the investment fees for you.\n\nSo the total difference in fees and this is just from one investment. It is saving you about $475 a year in investment fees alone, which I thought was pretty good. And it's also improving the performance. So at the bottom there, you can see your three year rolling average. You can see your current and then the recommended.\n\nAnd by making that one investment switch, again, when we are looking at the three year rolling average historically, it has outperformed by about 4.23%, which, again, I thought was pretty good from just making that one switch. So very simple. No other changes. Now what that actually looks like, if you can scroll up for me to page 16, it doesn't change. So this shows you your risk profile.\n\nSo it shows you your existing. So you have your risk profile in the second column, which is that eighty twenty split. You have your existing portfolio and then the proposed. And you can see that we are just switching your one Australian equity for another Australian equity, so it does not change your risk at all. Just literally one.\n\nSo pretty straightforward. And if you wanna scroll up to page 14 for me, that shows you what we are changing. So you can see here what's in red. It is what we are selling. So that is the Benelong Australian equity is the only one we're selling, and what we are swapping it for is the one at the bottom where it says beta shares Australia 200.\n\nSame same allocation, same dollar value. It's just a straight switch. And this investment, just for your reference, it does invest in the 200 largest companies listed on the ASX in Australia. So very diversified for you to give you that the the exposure because we wanna make sure as well that if we take one Australian investment out, we wanna make sure we still have some investment in the Australian market. We don't wanna have everything just overseas or everything in one area.\n\nWe wanna make sure we keep that diversification. So I have recommended that we just make that one switch for you. I did consider if we needed to make any other justification, but all the other investments are doing pretty good and aligned with everything. So the best the best option I could find for you and the easiest as well minimizing that tax, literally just that one straightforward switch for you. Does that make sense, Anthony?\n\nYeah. Beautiful. And if you go to page 18, you will actually see a bit of a projected change. So I have shown five and ten years so that you can see that it does compound. So by proving returns a little bit, reducing fees a little bit, it is making a bit of a difference when we're looking longer term.\n\nAnd you can even see underneath that on the table, I have done the twelve month comparison for you for the returns as well. And you can see that even the last twelve months that the recommended investment has outperformed the vendor loan itself for you. And that was essentially everything. So it is a long document for for one switch, but it is to make sure that you have time to read over it. It outlines all the risks and the disadvantages and the benefits of the recommendation, which I've kind of touched on if you are saving fees.\n\nThere's no tax, which is great. And one risk to be mindful of is there's always the level of risk associated with any investment option. So the good thing with the the new recommended switch is it is just kind of tracking that top 200. So it is a little bit smoother than the Benelon, which was kind of aiming to actively buy and sell different investment. Yeah.\n\nAnd if you are happy with the recommendation, there is no changes in regards to the fee structure at all. So it stays exactly the same at 1.1 from superannuation for you. No changes in regards to any of that. It is all part of the ongoing advice fee for us to obviously do this research here for us to see that we wanna make any case. So pretty straightforward today.\n\nDo you have any questions for me, or what are your thoughts on this, Anthony? Yeah. Amazing. So if you are happy to press it should say sign now. It should ask you to add a signature at the bottom, and I think it dates it as well.\n\nBeautiful. And then it should say validate. Alright. I'll refresh that on my end. And while I wait for that through, just to make sure if that comes through, I can see here as well that it looks like the ID we have on file for you has expired.\n\nDid you recently receive a new I driver's license or anything like that? A little while ago? Yeah. Yeah. Okay.\n\nWhen you have a moment, would you be able to take a photo of the front and the back of your driver's license and email that through to me? Yeah. Would you like me to read out the email address? Do you have a paper or pen anywhere? Okay.\n\nBeautiful. Yes. You ready? Yep. So it's servicing Yes.\n\nAt Oakview Financial, that's one word, dot com dot a u. Beautiful. Just the front end of the back, I will let the team know. We'll just save it on file for you. And I can see here as well that the documents have come through signed, which is great.\n\nSo I will let the team know that we'll go ahead and make that one investment switch for you, which is great. And that was essentially everything on on my end today. So pretty nice and quick there, Anthony. But do you have any questions for me before I let you go otherwise? No.\n\nBeautiful. Well, thank you so much for your time this afternoon. If there's anything else that you need, just let me know. Okay? No worries.\n\nWe'll speak soon, Anthony. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Anthony.","start":2.3999999,"end":3.36,"sentiment":"positive","sentiment_score":0.3450828790664673},{"text":"It's Veronica from Financial.","start":3.36,"end":4.74,"sentiment":"neutral","sentiment_score":0.23208458721637726},{"text":"How are you?","start":5.2,"end":5.94,"sentiment":"neutral","sentiment_score":0.20944957435131073},{"text":"That's good.","start":7.8399997,"end":8.82,"sentiment":"positive","sentiment_score":0.7706128656864166},{"text":"I had you booked in for a pretty quick catch up, really, just to kind of go over the research I did on your super investment.","start":9.28,"end":15.825,"sentiment":"positive","sentiment_score":0.4211137776191418}],"sentiment":"positive","sentiment_score":0.3968978857523517,"num_words":38,"start":2.3999999,"end":15.825},{"sentences":[{"text":"Is now still a good time?","start":16.065,"end":17.445,"sentiment":"neutral","sentiment_score":0.2735244755943616},{"text":"Yeah.","start":18.705,"end":19.205,"sentiment":"neutral","sentiment_score":0.30867964029312134},{"text":"Perfect.","start":19.345,"end":19.845,"sentiment":"positive","sentiment_score":0.4862174689769745},{"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":20.625,"end":27.765,"sentiment":"neutral","sentiment_score":0.03378400026724256},{"text":"Perfect.","start":29.880001,"end":30.380001,"sentiment":"neutral","sentiment_score":0.267416387796402}],"sentiment":"neutral","sentiment_score":0.09692621995743952,"num_words":38,"start":16.065,"end":30.380001},{"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":30.44,"end":37.66,"sentiment":"neutral","sentiment_score":0.05921374922939416},{"text":"Perfect.","start":43.495,"end":43.975,"sentiment":"neutral","sentiment_score":0.2542452812194824},{"text":"And, sorry, the state of birth as well.","start":43.975,"end":45.995,"sentiment":"neutral","sentiment_score":0.07476111454889178},{"text":"Yeah.","start":49.095,"end":49.415,"sentiment":"neutral","sentiment_score":0.2739008963108063},{"text":"Amazing.","start":49.415,"end":49.895,"sentiment":"positive","sentiment_score":0.6346489191055298}],"sentiment":"neutral","sentiment_score":0.08695206851698459,"num_words":40,"start":30.44,"end":49.895},{"sentences":[{"text":"That's exactly what I have here.","start":49.895,"end":51.755,"sentiment":"positive","sentiment_score":0.5588856140772501},{"text":"Now, Anthony, do you have access to your emails at the moment?","start":52.455,"end":55.195,"sentiment":"neutral","sentiment_score":0.046467503843208156},{"text":"Okay.","start":58.18,"end":58.68,"sentiment":"neutral","sentiment_score":0.2715621590614319},{"text":"Beautiful.","start":58.82,"end":59.32,"sentiment":"positive","sentiment_score":0.5463504791259766},{"text":"So what I have done is I have to send you an email with the documents.","start":59.46,"end":63.399998,"sentiment":"neutral","sentiment_score":0.24561247788369656}],"sentiment":"neutral","sentiment_score":0.2405176670807931,"num_words":36,"start":49.895,"end":63.399998},{"sentences":[{"text":"If you are able to access it at the same time, it just makes it a little bit easier for you.","start":64.1,"end":69.72,"sentiment":"neutral","sentiment_score":0.2951243569453557},{"text":"It's pretty straightforward today, so I won't take up too much of your time.","start":71.055,"end":74.915,"sentiment":"neutral","sentiment_score":0.23228357945169723},{"text":"A lot of it in the document is for compliance purposes.","start":75.855,"end":79.315,"sentiment":"neutral","sentiment_score":0.16406051340428265},{"text":"So I will let you have a read over most of it in your own time, and I'll just kind of explain the differences that I have recommended.","start":80.015,"end":86.84,"sentiment":"neutral","sentiment_score":0.19692978662039554},{"text":"Perfect.","start":89.299995,"end":89.799995,"sentiment":"positive","sentiment_score":0.3538969159126282}],"sentiment":"neutral","sentiment_score":0.22829570929209392,"num_words":75,"start":64.1,"end":89.799995},{"sentences":[{"text":"Now did you get that email okay?","start":90.1,"end":93.14,"sentiment":"neutral","sentiment_score":0.10862346099955696},{"text":"Did that come through?","start":93.14,"end":94.2,"sentiment":"neutral","sentiment_score":0.04638767521828413},{"text":"Perfect.","start":96.02,"end":96.52,"sentiment":"neutral","sentiment_score":0.32937371730804443},{"text":"So if you can go into the email for me, you should see the first page where it says statement of advice prepared for yep.","start":96.58,"end":106.905,"sentiment":"neutral","sentiment_score":0.09751334428787231},{"text":"Perfect.","start":106.905,"end":107.405,"sentiment":"neutral","sentiment_score":-0.005402048584073782}],"sentiment":"neutral","sentiment_score":0.09757158431028456,"num_words":38,"start":90.1,"end":107.405},{"sentences":[{"text":"So kind of like I said, every time we do make a recommendation on any financial product and make tailored financial advice, we have to put everything in the statement of advice for you just to make sure you fully understand everything.","start":107.865,"end":119.3,"sentiment":"neutral","sentiment_score":0.06967954639168013},{"text":"Now at the bottom of this page here, you will also see my details.","start":120.0,"end":124.26,"sentiment":"neutral","sentiment_score":0.0897616972880704},{"text":"You will see my authorized representative number listed, and I am licensed under Oakview Financial.","start":124.64,"end":131.295,"sentiment":"neutral","sentiment_score":0.09654645721117655},{"text":"Now every time we do make a recommendation as well, we have to follow that best interest duty, which is kind of outlined on page two for you.","start":132.075,"end":141.215,"sentiment":"neutral","sentiment_score":0.140582947326558},{"text":"Basically, what it means is that we have to make sure that the we always put your best interest before everything else.","start":141.83,"end":148.17,"sentiment":"neutral","sentiment_score":0.11899463764645836}],"sentiment":"neutral","sentiment_score":0.10070748861170997,"num_words":121,"start":107.865,"end":148.17},{"sentences":[{"text":"And the adviser itself has to put you in a better position as a result of the advice.","start":148.79001,"end":153.61,"sentiment":"neutral","sentiment_score":0.08119514377580749},{"text":"Otherwise, we can't actually make the recommendation.","start":153.985,"end":156.08499,"sentiment":"neutral","sentiment_score":-0.1415839291044644},{"text":"Does that make sense?","start":156.385,"end":157.525,"sentiment":"neutral","sentiment_score":0.024416791275143623},{"text":"Yeah.","start":158.705,"end":159.205,"sentiment":"neutral","sentiment_score":0.25092223286628723},{"text":"Beautiful.","start":159.265,"end":159.765,"sentiment":"positive","sentiment_score":0.6200648546218872}],"sentiment":"neutral","sentiment_score":0.04642191409103332,"num_words":31,"start":148.79001,"end":159.765},{"sentences":[{"text":"Now like I said, it is pretty straightforward today.","start":160.065,"end":162.705,"sentiment":"positive","sentiment_score":0.4753062393930223},{"text":"So what I will get you to do is if you can scroll through for me down through page let me see here.","start":162.705,"end":173.49,"sentiment":"neutral","sentiment_score":0.1527968651574591},{"text":"Page 17.","start":173.71,"end":174.77,"sentiment":"neutral","sentiment_score":0.0318084005266428},{"text":"So as you scroll through, you'll see couple of pages with some personal information about you.","start":175.63,"end":181.33,"sentiment":"neutral","sentiment_score":0.06996136903762817},{"text":"There's a couple of pages in regards to risk profiles.","start":182.175,"end":185.15501,"sentiment":"neutral","sentiment_score":-0.003381304442882538}],"sentiment":"neutral","sentiment_score":0.14902116190642117,"num_words":60,"start":160.065,"end":185.15501},{"sentences":[{"text":"Now we're not making any changes.","start":185.29501,"end":186.91501,"sentiment":"neutral","sentiment_score":-0.10945024155080318},{"text":"We are keeping you within your growth profile.","start":186.975,"end":189.315,"sentiment":"neutral","sentiment_score":0.002515067346394062},{"text":"Not making any changes to increasing risk or anything like that.","start":189.93501,"end":192.767,"sentiment":"neutral","sentiment_score":-0.12679354643279855},{"text":"It is literally just making one investment switch, and that's Hub twenty four account just to make sure it's still a good option for you or if there was any other super funds that was going to be better for you.","start":192.767,"end":215.33499,"sentiment":"neutral","sentiment_score":0.20184986129766558},{"text":"Because things are always changing, so it is good to kind of reassess it every now and then.","start":215.635,"end":220.135,"sentiment":"neutral","sentiment_score":0.09039031631416744}],"sentiment":"neutral","sentiment_score":0.0937090486376768,"num_words":84,"start":185.29501,"end":220.135},{"sentences":[{"text":"And at the moment, hub twenty four still is very much competitive.","start":220.595,"end":221.53899,"sentiment":"positive","sentiment_score":0.36010263363520306},{"text":"It's very competitive when it comes to the the fees and the cost and the fees and the cost investment choices and flexibilities.","start":221.53899,"end":230.58,"sentiment":"positive","sentiment_score":0.3657769531659458},{"text":"So I have recommended you stay in Hub twenty four, and, literally, the only change is swapping one investment, which was the Benelung investment, which was underperforming a little bit to another alternative.","start":231.36,"end":243.52501,"sentiment":"neutral","sentiment_score":0.020340898045987793},{"text":"Now how that changes things for you is that page 17, can you see the fee comparison table?","start":244.30501,"end":250.16501,"sentiment":"neutral","sentiment_score":0.015277777643253406},{"text":"Yes.","start":255.36,"end":255.76001,"sentiment":"neutral","sentiment_score":0.015523413196206093}],"sentiment":"neutral","sentiment_score":0.15742384566358109,"num_words":87,"start":220.595,"end":255.76001},{"sentences":[{"text":"So on the on page 17 in that document.","start":255.76001,"end":258.74002,"sentiment":"neutral","sentiment_score":0.010024315160181787},{"text":"Can you see that?","start":258.96002,"end":260.02002,"sentiment":"neutral","sentiment_score":0.004525447846390307},{"text":"Or what that is probably the appendix.","start":262.635,"end":270.415,"sentiment":"neutral","sentiment_score":-0.035997512085097175},{"text":"Now if you can you click on the link where it says sign now?","start":270.55502,"end":273.695,"sentiment":"neutral","sentiment_score":-0.004405454865523747},{"text":"No.","start":276.09,"end":276.33,"sentiment":"neutral","sentiment_score":-0.10607659071683884}],"sentiment":"neutral","sentiment_score":-0.008897569017218693,"num_words":35,"start":255.76001,"end":276.33},{"sentences":[{"text":"That's okay.","start":276.33,"end":277.13,"sentiment":"neutral","sentiment_score":-0.06463505327701569},{"text":"What you are seeing, though, is the appendix.","start":277.13,"end":279.07,"sentiment":"neutral","sentiment_score":-0.023841659887693822},{"text":"I feel like research growth.","start":279.13,"end":280.83,"sentiment":"neutral","sentiment_score":-0.01221262663602829},{"text":"Yep.","start":282.09,"end":282.59,"sentiment":"neutral","sentiment_score":0.027510439977049828},{"text":"So when you click on the link, hopefully, there should be a page where it says 26 pages.","start":286.33,"end":291.705,"sentiment":"neutral","sentiment_score":0.021477321680221293}],"sentiment":"neutral","sentiment_score":0.0009716385701561675,"num_words":34,"start":276.33,"end":291.705},{"sentences":[{"text":"That'll be useful.","start":294.00497,"end":295.145,"sentiment":"neutral","sentiment_score":0.06509978324174881},{"text":"17.","start":296.245,"end":296.745,"sentiment":"neutral","sentiment_score":0.007441686000674963},{"text":"Yes, please.","start":299.205,"end":300.10498,"sentiment":"neutral","sentiment_score":0.03447926789522171},{"text":"And we're not making any changes to insurances or anything like that.","start":302.53,"end":306.13,"sentiment":"neutral","sentiment_score":-0.030223190163572628},{"text":"Literally just swapping that one investment.","start":306.13,"end":308.23,"sentiment":"neutral","sentiment_score":0.05852755531668663}],"sentiment":"neutral","sentiment_score":0.010841109227233877,"num_words":24,"start":294.00497,"end":308.23},{"sentences":[{"text":"So let me know when you can see page 17 where it says fee comparison.","start":308.69,"end":314.31,"sentiment":"neutral","sentiment_score":0.040271011367440226},{"text":"Perfect.","start":315.405,"end":315.905,"sentiment":"positive","sentiment_score":0.5899057388305664},{"text":"Now this just shows you the changes and all the numbers.","start":316.765,"end":320.14502,"sentiment":"positive","sentiment_score":0.3869207203388214},{"text":"So the good thing by making that one investment bridge, there's actually no capital gains tax with the change, which is great.","start":320.285,"end":327.58502,"sentiment":"positive","sentiment_score":0.6531510983001102},{"text":"In addition, it has reduced the investment fees for you.","start":329.69,"end":335.23,"sentiment":"positive","sentiment_score":0.6280191540718079}],"sentiment":"positive","sentiment_score":0.44236634807440184,"num_words":59,"start":308.69,"end":335.23},{"sentences":[{"text":"So the total difference in fees and this is just from one investment.","start":335.45,"end":338.91,"sentiment":"positive","sentiment_score":0.3866760845367725},{"text":"It is saving you about $475 a year in investment fees alone, which I thought was pretty good.","start":340.26498,"end":348.44498,"sentiment":"positive","sentiment_score":0.5518795591261652},{"text":"And it's also improving the performance.","start":350.34497,"end":352.44498,"sentiment":"positive","sentiment_score":0.6164053827524185},{"text":"So at the bottom there, you can see your three year rolling average.","start":352.81998,"end":356.12,"sentiment":"positive","sentiment_score":0.42040634613770705},{"text":"You can see your current and then the recommended.","start":356.58,"end":359.47998,"sentiment":"neutral","sentiment_score":0.19012627067665258}],"sentiment":"positive","sentiment_score":0.43788936263802697,"num_words":59,"start":335.45,"end":359.47998},{"sentences":[{"text":"And by making that one investment switch, again, when we are looking at the three year rolling average historically, it has outperformed by about 4.23%, which, again, I thought was pretty good from just making that one switch.","start":360.41998,"end":375.685,"sentiment":"positive","sentiment_score":0.437875340643682},{"text":"So very simple.","start":375.685,"end":376.985,"sentiment":"positive","sentiment_score":0.6380059123039246},{"text":"No other changes.","start":377.525,"end":378.665,"sentiment":"neutral","sentiment_score":0.003457647437850634},{"text":"Now what that actually looks like, if you can scroll up for me to page 16, it doesn't change.","start":379.205,"end":389.09003,"sentiment":"neutral","sentiment_score":0.026390482132372103},{"text":"So this shows you your risk profile.","start":389.09003,"end":391.67,"sentiment":"neutral","sentiment_score":0.028170059035931314}],"sentiment":"neutral","sentiment_score":0.27517518853502615,"num_words":70,"start":360.41998,"end":391.67},{"sentences":[{"text":"So it shows you your existing.","start":392.315,"end":393.915,"sentiment":"neutral","sentiment_score":0.04014862763384978},{"text":"So you have your risk profile in the second column, which is that eighty twenty split.","start":393.915,"end":400.01498,"sentiment":"neutral","sentiment_score":0.04924292233772576},{"text":"You have your existing portfolio and then the proposed.","start":400.395,"end":403.695,"sentiment":"neutral","sentiment_score":0.050126042423976794},{"text":"And you can see that we are just switching your one Australian equity for another Australian equity, so it does not change your risk at all.","start":404.57,"end":414.11002,"sentiment":"neutral","sentiment_score":0.058422915637493134},{"text":"Just literally one.","start":414.33002,"end":415.53,"sentiment":"neutral","sentiment_score":0.15857808540264764}],"sentiment":"neutral","sentiment_score":0.057910716130087775,"num_words":60,"start":392.315,"end":415.53},{"sentences":[{"text":"So pretty straightforward.","start":415.53,"end":416.67,"sentiment":"positive","sentiment_score":0.396904855966568},{"text":"And if you wanna scroll up to page 14 for me, that shows you what we are changing.","start":417.595,"end":426.33502,"sentiment":"neutral","sentiment_score":0.07981981130109893},{"text":"So you can see here what's in red.","start":426.475,"end":428.815,"sentiment":"neutral","sentiment_score":0.046103199012577534},{"text":"It is what we are selling.","start":429.11502,"end":430.44,"sentiment":"neutral","sentiment_score":0.033547286254664264},{"text":"So that is the Benelong Australian equity is the only one we're selling, and what we are swapping it for is the one at the bottom where it says beta shares Australia 200.","start":430.52,"end":440.86002,"sentiment":"neutral","sentiment_score":0.04753878227237499}],"sentiment":"neutral","sentiment_score":0.07009353376377155,"num_words":68,"start":415.53,"end":440.86002},{"sentences":[{"text":"Same same allocation, same dollar value.","start":441.72,"end":444.28,"sentiment":"neutral","sentiment_score":0.09779364118973415},{"text":"It's just a straight switch.","start":444.28,"end":446.06,"sentiment":"neutral","sentiment_score":0.09524693638086319},{"text":"And this investment, just for your reference, it does invest in the 200 largest companies listed on the ASX in Australia.","start":446.595,"end":454.85498,"sentiment":"neutral","sentiment_score":0.12741276302507945},{"text":"So very diversified for you to give you that the the exposure because we wanna make sure as well that if we take one Australian investment out, we wanna make sure we still have some investment in the Australian market.","start":455.47498,"end":466.72,"sentiment":"neutral","sentiment_score":0.16565817929804325},{"text":"We don't wanna have everything just overseas or everything in one area.","start":466.72,"end":470.26,"sentiment":"neutral","sentiment_score":0.03527579518655936}],"sentiment":"neutral","sentiment_score":0.1284321579372599,"num_words":84,"start":441.72,"end":470.26},{"sentences":[{"text":"We wanna make sure we keep that diversification.","start":470.48,"end":472.82,"sentiment":"neutral","sentiment_score":0.21173609979450703},{"text":"So I have recommended that we just make that one switch for you.","start":474.585,"end":478.105,"sentiment":"positive","sentiment_score":0.38586409504597},{"text":"I did consider if we needed to make any other justification, but all the other investments are doing pretty good and aligned with everything.","start":478.105,"end":486.125,"sentiment":"positive","sentiment_score":0.41172580793499947},{"text":"So the best the best option I could find for you and the easiest as well minimizing that tax, literally just that one straightforward switch for you.","start":486.66,"end":495.72,"sentiment":"positive","sentiment_score":0.4842196802298228},{"text":"Does that make sense, Anthony?","start":497.30002,"end":498.76,"sentiment":"neutral","sentiment_score":0.24836955666542054}],"sentiment":"positive","sentiment_score":0.4013937736873503,"num_words":77,"start":470.48,"end":498.76},{"sentences":[{"text":"Yeah.","start":500.295,"end":500.695,"sentiment":"positive","sentiment_score":0.5060815811157227},{"text":"Beautiful.","start":500.695,"end":501.195,"sentiment":"positive","sentiment_score":0.753308892250061},{"text":"And if you go to page 18, you will actually see a bit of a projected change.","start":501.655,"end":509.595,"sentiment":"positive","sentiment_score":0.40787643544814167},{"text":"So I have shown five and ten years so that you can see that it does compound.","start":509.815,"end":515.64,"sentiment":"positive","sentiment_score":0.3798714560620925},{"text":"So by proving returns a little bit, reducing fees a little bit, it is making a bit of a difference when we're looking longer term.","start":516.26,"end":524.2,"sentiment":"neutral","sentiment_score":0.2503099077939987}],"sentiment":"positive","sentiment_score":0.34276807088343825,"num_words":61,"start":500.295,"end":524.2},{"sentences":[{"text":"And you can even see underneath that on the table, I have done the twelve month comparison for you for the returns as well.","start":525.54,"end":531.895,"sentiment":"positive","sentiment_score":0.3962058673302333},{"text":"And you can see that even the last twelve months that the recommended investment has outperformed the vendor loan itself for you.","start":532.035,"end":540.135,"sentiment":"positive","sentiment_score":0.5118426978588104},{"text":"And that was essentially everything.","start":542.115,"end":543.955,"sentiment":"neutral","sentiment_score":0.24453195929527283},{"text":"So it is a long document for for one switch, but it is to make sure that you have time to read over it.","start":543.955,"end":551.4,"sentiment":"neutral","sentiment_score":0.14850424913068613},{"text":"It outlines all the risks and the disadvantages and the benefits of the recommendation, which I've kind of touched on if you are saving fees.","start":551.7,"end":561.105,"sentiment":"neutral","sentiment_score":0.13519356578588484}],"sentiment":"neutral","sentiment_score":0.2893608108907938,"num_words":100,"start":525.54,"end":561.105},{"sentences":[{"text":"There's no tax, which is great.","start":561.105,"end":562.96497,"sentiment":"neutral","sentiment_score":0.21850074330965677},{"text":"And one risk to be mindful of is there's always the level of risk associated with any investment option.","start":563.265,"end":569.365,"sentiment":"neutral","sentiment_score":-0.08087498969153355},{"text":"So the good thing with the the new recommended switch is it is just kind of tracking that top 200.","start":569.745,"end":577.73,"sentiment":"neutral","sentiment_score":0.32236880660057066},{"text":"So it is a little bit smoother than the Benelon, which was kind of aiming to actively buy and sell different investment.","start":577.95,"end":585.33,"sentiment":"neutral","sentiment_score":0.30253066528927197},{"text":"Yeah.","start":587.505,"end":588.005,"sentiment":"neutral","sentiment_score":0.20812612771987915}],"sentiment":"neutral","sentiment_score":0.19243465517373645,"num_words":68,"start":561.105,"end":588.005},{"sentences":[{"text":"And if you are happy with the recommendation, there is no changes in regards to the fee structure at all.","start":588.305,"end":597.04504,"sentiment":"neutral","sentiment_score":0.22227990999817848},{"text":"So it stays exactly the same at 1.1 from superannuation for you.","start":597.10504,"end":602.965,"sentiment":"neutral","sentiment_score":0.2991972205539544},{"text":"No changes in regards to any of that.","start":603.27,"end":605.27,"sentiment":"neutral","sentiment_score":0.1141153359785676},{"text":"It is all part of the ongoing advice fee for us to obviously do this research here for us to see that we wanna make any case.","start":605.27,"end":611.69,"sentiment":"neutral","sentiment_score":0.2897297160493003},{"text":"So pretty straightforward today.","start":611.91003,"end":614.17004,"sentiment":"neutral","sentiment_score":0.3149850256741047}],"sentiment":"neutral","sentiment_score":0.25396521085164914,"num_words":71,"start":588.305,"end":614.17004},{"sentences":[{"text":"Do you have any questions for me, or what are your thoughts on this, Anthony?","start":614.63,"end":618.41003,"sentiment":"neutral","sentiment_score":0.03805140405893326},{"text":"Yeah.","start":620.555,"end":621.055,"sentiment":"positive","sentiment_score":0.582598090171814},{"text":"Amazing.","start":621.355,"end":621.855,"sentiment":"positive","sentiment_score":0.7058483958244324},{"text":"So if you are happy to press it should say sign now.","start":622.315,"end":626.735,"sentiment":"positive","sentiment_score":0.4052552580833435},{"text":"It should ask you to add a signature at the bottom, and I think it dates it as well.","start":627.355,"end":633.35,"sentiment":"neutral","sentiment_score":0.18848742779932523}],"sentiment":"neutral","sentiment_score":0.21465712025140724,"num_words":48,"start":614.63,"end":633.35},{"sentences":[{"text":"Beautiful.","start":635.49,"end":635.99,"sentiment":"positive","sentiment_score":0.5090621113777161},{"text":"And then it should say validate.","start":636.52997,"end":638.87,"sentiment":"neutral","sentiment_score":0.2418011575937271},{"text":"Alright.","start":641.88995,"end":642.29,"sentiment":"neutral","sentiment_score":0.13466259837150574},{"text":"I'll refresh that on my end.","start":642.29,"end":644.895,"sentiment":"neutral","sentiment_score":0.1391055385271708},{"text":"And while I wait for that through, just to make sure if that comes through, I can see here as well that it looks like the ID we have on file for you has expired.","start":644.895,"end":654.515,"sentiment":"neutral","sentiment_score":0.08732084530804839}],"sentiment":"neutral","sentiment_score":0.1221509075970674,"num_words":49,"start":635.49,"end":654.515},{"sentences":[{"text":"Did you recently receive a new I driver's license or anything like that?","start":655.455,"end":662.64996,"sentiment":"neutral","sentiment_score":0.004458872887950677},{"text":"A little while ago?","start":662.64996,"end":663.79,"sentiment":"neutral","sentiment_score":-0.005343846860341728},{"text":"Yeah.","start":664.32996,"end":664.82996,"sentiment":"neutral","sentiment_score":-0.0022104596719145775},{"text":"Yeah.","start":667.45,"end":667.95,"sentiment":"neutral","sentiment_score":-0.006558685563504696},{"text":"Okay.","start":675.625,"end":676.125,"sentiment":"neutral","sentiment_score":0.036942899227142334}],"sentiment":"neutral","sentiment_score":0.0032381857046857474,"num_words":20,"start":655.455,"end":676.125},{"sentences":[{"text":"When you have a moment, would you be able to take a photo of the front and the back of your driver's license and email that through to me?","start":677.785,"end":687.94,"sentiment":"neutral","sentiment_score":0.038540713489055634},{"text":"Yeah.","start":689.6,"end":690.1,"sentiment":"neutral","sentiment_score":0.052386634051799774},{"text":"Would you like me to read out the email 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Yes.","start":737.25995,"end":744.72,"sentiment":"neutral","sentiment_score":0.020028983475640416}],"sentiment":"neutral","sentiment_score":0.04327106486178107,"num_words":9,"start":700.175,"end":744.72},{"sentences":[{"text":"At Oakview Financial, that's one word, dot com dot a u.","start":745.19,"end":755.765,"sentiment":"neutral","sentiment_score":0.04755854572762142},{"text":"Beautiful.","start":759.83997,"end":760.33997,"sentiment":"positive","sentiment_score":0.4938693344593048},{"text":"Just the front end of the back, I will let the team know.","start":760.95996,"end":763.68,"sentiment":"positive","sentiment_score":0.4139357896951529},{"text":"We'll just save it on file for you.","start":763.68,"end":765.7,"sentiment":"positive","sentiment_score":0.4058300480246544},{"text":"And I can see here as well that the documents have come through signed, which is great.","start":765.76,"end":770.74,"sentiment":"positive","sentiment_score":0.5882893379996804}],"sentiment":"positive","sentiment_score":0.39291475467383863,"num_words":50,"start":745.19,"end":770.74},{"sentences":[{"text":"So I will let the team know that we'll go ahead and make that one investment switch for you, which is great.","start":771.12,"end":778.575,"sentiment":"positive","sentiment_score":0.5741271037947048},{"text":"And that was essentially everything on on my end today.","start":779.515,"end":782.555,"sentiment":"positive","sentiment_score":0.4559688329696655},{"text":"So pretty nice and quick there, Anthony.","start":782.555,"end":784.58997,"sentiment":"positive","sentiment_score":0.854861991746085},{"text":"But do you have any questions for me before I let you go otherwise?","start":784.58997,"end":788.05,"sentiment":"neutral","sentiment_score":0.0497731938958168},{"text":"No.","start":789.94995,"end":790.44995,"sentiment":"neutral","sentiment_score":0.1125248596072197}],"sentiment":"positive","sentiment_score":0.4441457061028039,"num_words":54,"start":771.12,"end":790.44995},{"sentences":[{"text":"Beautiful.","start":790.67,"end":791.17,"sentiment":"positive","sentiment_score":0.5836218595504761},{"text":"Well, thank you so much for your time this afternoon.","start":791.23,"end":793.23,"sentiment":"positive","sentiment_score":0.7547686934471131},{"text":"If there's anything else that you need, just let me know.","start":793.23,"end":796.35,"sentiment":"neutral","sentiment_score":0.3130411776629361},{"text":"Okay?","start":796.35,"end":796.85,"sentiment":"neutral","sentiment_score":0.21009260416030884},{"text":"No 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Anthony speaking. Yeah. Good. Thanks. Yes. Yes. All good. Yep. Okay. Anthony Zara. 16 Gibson Way, Caroline Springs. I think to the second nineteen seventy five. I do. Yep. Mhmm. Yes. Yes. I yeah. I have. Yes. Yes. Mhmm. Mhmm. Yeah. It's downstairs. Mhmm. Mhmm. Yep. Mhmm. In that link? No. The document that you've attached only goes to page nine. Oh, sorry. Okay. Yep. Yep. Yep. Yep. Okay. Yeah. It is. Yep. So page page 17. No worries. Mhmm. Yep. Yep. Yep. Okay. Yep. Yep. Yep. Yep. Uh-huh. Okay. Yep. Mhmm. Yep. Yes. Uh-huh. Yes. Okay. Okay. Mhmm. Mhmm. Yes. It does. I can't hear you. Yep. Yes. Yes. Yes. Yeah. I can hear you. Mhmm. Yep. No. I'm fine. Happy to go ahead. Yep. Mhmm. Yes. Oh, yeah. It should be coming over. Yes. I had oh, yeah. I've changed my yeah. Because I had my I had my address on my license to my to a different residence. Mhmm. Yeah. No problems. I can do it as I'm talking to you. Just one sec. Okay. Can you do you wanna get? Yep. The the thing? Yes. Yes. Okay. No worries. No. All good. Thank you. Okay then. Thank 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Anthony speaking.\n\nChannel 0: Good afternoon, Anthony. It's Veronica from Financial. How are you?\n\nChannel 1: Yeah. Good. Thanks.\n\nChannel 0: That's good. I had you booked in for a pretty quick catch up, really, just to kind of go over the research I did on your super investment. Is now still a good\n\nChannel 1: Yes.\n\nChannel 0: time?\n\nChannel 1: Yes. All good.\n\nChannel 0: Yeah. 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. And just to confirm I am speaking with the right person, could I just get you to confirm\n\nChannel 1: Okay.\n\nChannel 0: your full name, date of birth, and address for me, please?\n\nChannel 1: Anthony Zara. 16 Gibson Way, Caroline Springs.\n\nChannel 0: Perfect. And, sorry, the state of birth as well.\n\nChannel 1: I think to the second nineteen seventy five.\n\nChannel 0: Yeah. Amazing. That's exactly what I have here. Now, Anthony, do you have access to your emails at the moment?\n\nChannel 1: I do. Yep.\n\nChannel 0: Okay. Beautiful. So what I have done is I have to send you an email with the documents. If you are able to access it at the same time, it just makes it a little bit easier for you.\n\nChannel 1: Mhmm.\n\nChannel 0: It's pretty straightforward today, so I won't take up too much of your time. A lot of it in the document is for compliance purposes. So I will let you have a read over most of it in your own time, and I'll just kind of explain the differences that I have recommended. Perfect. Now did you get that email okay?\n\nDid\n\nChannel 1: Yes.\n\nChannel 0: that come\n\nChannel 1: Yes.\n\nChannel 0: through?\n\nChannel 1: I yeah. I have. Yes.\n\nChannel 0: Perfect. So if you can go into the email for me, you should see the first page where it says statement of advice prepared for\n\nChannel 1: Yes.\n\nChannel 0: yep. Perfect. So kind of like I said, every time we do make a recommendation on any financial product and make tailored financial advice, we have to put everything in the statement of advice for you just to make sure you fully understand everything. Now\n\nChannel 1: Mhmm.\n\nChannel 0: at the bottom of this page here, you will also see my details. You will see my authorized representative number listed, and I am licensed under Oakview Financial. Now\n\nChannel 1: Mhmm.\n\nChannel 0: every time we do make a recommendation as well, we have to follow that best interest duty, which is kind of outlined on page two for you. Basically, what it means is that we have to make sure that the we always put your best interest before everything else. And the adviser 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 make sense?\n\nChannel 1: Yeah. It's downstairs.\n\nChannel 0: Yeah. Beautiful. Now like I said, it is pretty straightforward today. So what I will get you to do is if you can scroll through for me down\n\nChannel 1: Mhmm.\n\nChannel 0: through page let me see here. Page 17. So as you scroll through, you'll see couple of pages with some personal information about you. There's a couple of pages in regards to risk profiles. Now we're not making any changes.\n\nWe are keeping you within your growth profile. Not making any changes to increasing risk or anything like that. It is literally just making one investment switch, and that's\n\nChannel 1: Mhmm.\n\nChannel 0: Hub twenty four account just to make sure it's still a good option for you or if there was any other super funds that was going to be better for you. Because\n\nChannel 1: Yep.\n\nChannel 0: things are always changing, so it is good to kind of reassess it every now and then. And at the moment, hub twenty four still is very much competitive. It's very competitive when it comes to the the fees and the cost and the fees and the cost investment choices and flexibilities. So I have recommended you stay in Hub twenty four, and, literally, the only change is swapping one investment, which was the Benelung investment, which was underperforming a little bit to another alternative. Now\n\nChannel 1: Mhmm.\n\nChannel 0: how that changes things for you is that page 17, can you see the fee comparison table?\n\nChannel 1: In that link?\n\nChannel 0: Yes. So on the on page 17 in that document. Can you see that? Or what\n\nChannel 1: No. The document that you've attached only goes to page\n\nChannel 0: that is probably the appendix. Now if you can you click\n\nChannel 1: nine.\n\nChannel 0: on the link where it says sign now?\n\nChannel 1: Oh, sorry.\n\nChannel 0: No. That's okay. What you are seeing, though, is the appendix. I feel like research growth.\n\nChannel 1: Okay. Yep. Yep. Yep. Yep.\n\nChannel 0: Yep. So when\n\nChannel 1: Okay.\n\nChannel 0: you click on the link, hopefully, there should be a page where it says 26 pages.\n\nChannel 1: Yeah. It is. Yep.\n\nChannel 0: That'll\n\nChannel 1: So\n\nChannel 0: be\n\nChannel 1: page\n\nChannel 0: useful. 17.\n\nChannel 1: page 17.\n\nChannel 0: Yes, please.\n\nChannel 1: No worries.\n\nChannel 0: And we're not making any changes to insurances or anything like that. Literally just\n\nChannel 1: Mhmm.\n\nChannel 0: swapping that one investment. So let me know when you can see page 17 where it says\n\nChannel 1: Yep.\n\nChannel 0: fee comparison.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now this just shows you the changes and all the numbers. So the good thing by making that one investment bridge, there's actually no capital gains tax with the change, which is great. In addition, it has reduced the investment fees for you. So the total\n\nChannel 1: Yep.\n\nChannel 0: difference in fees and this is just from one investment. It is saving you about $475 a year in investment fees alone, which I thought was\n\nChannel 1: Okay.\n\nChannel 0: pretty good.\n\nChannel 1: Yep. Yep.\n\nChannel 0: And it's also improving the performance. So at the bottom there, you can see your three year rolling average. You can see your current and then\n\nChannel 1: Yep.\n\nChannel 0: the recommended. And by making that one investment switch, again, when we are looking at the three year rolling average historically, it has outperformed by about 4.23%,\n\nChannel 1: Yep.\n\nChannel 0: which, again, I thought was pretty good from just making that one switch. So very simple.\n\nChannel 1: Uh-huh.\n\nChannel 0: No other changes. Now what that actually looks like, if you can scroll up for me to page 16,\n\nChannel 1: Okay. Yep.\n\nChannel 0: it doesn't change. So this shows you your risk profile. So it shows you your existing. So you have your risk profile in the second column,\n\nChannel 1: Mhmm.\n\nChannel 0: which is that eighty twenty split. You have your existing portfolio and then the proposed. And you\n\nChannel 1: Yep.\n\nChannel 0: can see that we are just switching your one Australian equity for another Australian equity, so it does not change your risk at all. Just\n\nChannel 1: Yes.\n\nChannel 0: literally one. So pretty straightforward. And if you wanna scroll up to page 14 for me,\n\nChannel 1: Uh-huh.\n\nChannel 0: that shows you what we are changing. So you can see here what's in red. It is what we\n\nChannel 1: Yes.\n\nChannel 0: are selling. So that is the Benelong\n\nChannel 1: Okay.\n\nChannel 0: Australian equity is the only one we're selling, and what we are swapping it for is the one at the bottom where it says beta shares Australia 200.\n\nChannel 1: Okay.\n\nChannel 0: Same same allocation, same dollar value. It's just a\n\nChannel 1: Mhmm.\n\nChannel 0: straight switch. And this investment, just for your reference, it does invest in the 200 largest companies listed on the ASX in Australia. So very diversified for you to give you that the the exposure because we wanna\n\nChannel 1: Mhmm.\n\nChannel 0: make sure as well that if we take one Australian investment out, we wanna make sure we still have some investment in the Australian market. We don't wanna have everything just overseas or everything in one area. We wanna make sure we keep that diversification. So I have recommended that we just make that one switch for you. I did consider if we needed to make any other justification, but all the other investments are doing pretty good and aligned with everything.\n\nSo the best the best option I could find for you and the easiest as well minimizing that tax, literally just that one straightforward switch for you. Does that make sense, Anthony?\n\nChannel 1: Yes. It does.\n\nChannel 0: Yeah. Beautiful. And if you go to page 18, you will actually see a bit of a projected change. So I have shown five and ten years so that you can see that it does compound.\n\nChannel 1: I\n\nChannel 0: So\n\nChannel 1: can't\n\nChannel 0: by\n\nChannel 1: hear\n\nChannel 0: proving returns a little bit, reducing fees a little bit,\n\nChannel 1: you.\n\nChannel 0: it is making a bit of a difference when we're looking longer term.\n\nChannel 1: Yep.\n\nChannel 0: And you can even see underneath that on the table, I have done the twelve month comparison for you for the returns as well. And you can see that even the last twelve months that the recommended investment has outperformed the vendor loan itself for you.\n\nChannel 1: Yes. Yes.\n\nChannel 0: And that was essentially everything. So it is a long document for for one switch, but it is to make sure that you have time to read over it. It outlines all the risks and the disadvantages and the benefits of the recommendation, which I've kind of touched on if you are saving fees. There's no tax, which is great. And one risk to be mindful of is there's always the level of risk associated with any investment option.\n\nSo the good thing\n\nChannel 1: Yes.\n\nChannel 0: with the the new recommended switch is it is just kind of tracking that top 200. So it is a little bit smoother than the Benelon, which was kind of aiming to actively buy and sell different investment.\n\nChannel 1: Yeah. I can hear you.\n\nChannel 0: Yeah. And if you are happy with the recommendation, there is no changes in regards to the fee structure at all. So\n\nChannel 1: Mhmm.\n\nChannel 0: it stays exactly the same at 1.1 from superannuation for you. No changes in regards to any of that. It is all part of the ongoing advice fee for us to obviously do this research here for us to see that we wanna make any case. So\n\nChannel 1: Yep.\n\nChannel 0: pretty straightforward today. Do you have any questions for me, or what are your thoughts on this, Anthony?\n\nChannel 1: No. I'm fine. Happy to go ahead.\n\nChannel 0: Yeah. Amazing. So if you are happy to press it should say sign now.\n\nChannel 1: Yep.\n\nChannel 0: It should ask you to add a signature at the bottom, and I think it dates it as well.\n\nChannel 1: Mhmm. Yes.\n\nChannel 0: Beautiful. And then it should say validate.\n\nChannel 1: Oh, yeah. It should be coming over.\n\nChannel 0: Alright. I'll refresh that on my end. And while I wait for that through, just to make sure if that comes through, I can see here as well that it looks like the ID we have on file for you has expired. Did you recently receive a new I driver's license or anything like that? A little while\n\nChannel 1: Yes.\n\nChannel 0: ago?\n\nChannel 1: I had oh,\n\nChannel 0: Yeah.\n\nChannel 1: yeah. I've changed my yeah. Because\n\nChannel 0: Yeah.\n\nChannel 1: I had my I had my address on my license to my to a different residence.\n\nChannel 0: Okay. When you have a moment, would you be able to take a photo of the front and the back of your driver's license and email that through to me?\n\nChannel 1: Mhmm. Yeah. No problems.\n\nChannel 0: Yeah. Would you like me to read out the email address? Do you have a paper or pen anywhere?\n\nChannel 1: I can do it as I'm talking to you. Just one\n\nChannel 0: Okay.\n\nChannel 1: sec.\n\nChannel 0: Beautiful.\n\nChannel 1: Okay. Can you do you wanna get?\n\nChannel 0: Yes.\n\nChannel 1: Yep.\n\nChannel 0: You ready? Yep. So it's servicing\n\nChannel 1: The the thing? Yes.\n\nChannel 0: Yes. At Oakview Financial, that's one word,\n\nChannel 1: Yes.\n\nChannel 0: dot com dot a u.\n\nChannel 1: Okay. No worries.\n\nChannel 0: Beautiful. Just the front end of the back, I will let the team know. We'll just save it on file for you. And I can see here as well that the documents have come through signed, which is great. So I will let the team know that we'll go ahead and make that one investment switch for you, which is great.\n\nAnd that was essentially everything on on my end today. So pretty nice and quick there, Anthony. But do you have any questions for me before I let you go otherwise?\n\nChannel 1: No. All good. Thank you.\n\nChannel 0: No. Beautiful. Well, thank you so much for your time this afternoon. If there's anything else that you need, just let me know. Okay?\n\nChannel 1: Okay then. Thank you.\n\nChannel 0: No worries. We'll speak soon, Anthony. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.64,"end":0.96,"sentiment":"neutral","sentiment_score":0.038635749369859695},{"text":"Anthony speaking.","start":0.96,"end":1.9399999,"sentiment":"neutral","sentiment_score":0.03597432002425194}],"sentiment":"neutral","sentiment_score":0.03686146313945452,"channel":1,"num_words":3,"start":0.64,"end":1.9399999},{"sentences":[{"text":"Good afternoon, Anthony.","start":2.3999999,"end":3.36,"sentiment":"positive","sentiment_score":0.3450828790664673},{"text":"It's Veronica from Financial.","start":3.36,"end":4.74,"sentiment":"neutral","sentiment_score":0.23208458721637726},{"text":"How are 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Springs.","start":39.989998,"end":42.489998,"sentiment":"neutral","sentiment_score":0.020423354394733906}],"sentiment":"neutral","sentiment_score":0.017951411195099354,"channel":1,"num_words":7,"start":38.95,"end":42.489998},{"sentences":[{"text":"Perfect.","start":43.495,"end":43.975,"sentiment":"neutral","sentiment_score":0.2542452812194824},{"text":"And, sorry, the state of birth as well.","start":43.975,"end":45.995,"sentiment":"neutral","sentiment_score":0.07476111454889178}],"sentiment":"neutral","sentiment_score":0.09470379973451297,"channel":0,"num_words":9,"start":43.495,"end":45.995},{"sentences":[{"text":"I think to the second nineteen seventy 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you.","start":64.1,"end":69.72,"sentiment":"neutral","sentiment_score":0.2951243569453557}],"sentiment":"neutral","sentiment_score":0.28064932769689804,"channel":0,"num_words":39,"start":58.18,"end":69.72},{"sentences":[{"text":"Mhmm.","start":70.47,"end":70.97,"sentiment":"neutral","sentiment_score":0.12702324986457825}],"sentiment":"neutral","sentiment_score":0.12702324986457825,"channel":1,"num_words":1,"start":70.47,"end":70.97},{"sentences":[{"text":"It's pretty straightforward today, so I won't take up too much of your time.","start":71.055,"end":74.915,"sentiment":"neutral","sentiment_score":0.23228357945169723},{"text":"A lot of it in the document is for compliance purposes.","start":75.855,"end":79.315,"sentiment":"neutral","sentiment_score":0.16406051340428265},{"text":"So I will let you have a read over most of it in your own time, and I'll just kind of explain the differences that I have 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we wanna make any case.","start":605.27,"end":611.69,"sentiment":"neutral","sentiment_score":0.2897297160493003},{"text":"So","start":611.91003,"end":612.41003,"sentiment":"neutral","sentiment_score":0.2120098173618317}],"sentiment":"neutral","sentiment_score":0.26223490070155325,"channel":0,"num_words":47,"start":597.34503,"end":612.41003},{"sentences":[{"text":"Yep.","start":612.51,"end":613.01,"sentiment":"neutral","sentiment_score":0.33101892471313477}],"sentiment":"neutral","sentiment_score":0.33101892471313477,"channel":1,"num_words":1,"start":612.51,"end":613.01},{"sentences":[{"text":"pretty straightforward today.","start":612.71,"end":614.17004,"sentiment":"positive","sentiment_score":0.34931009511152905},{"text":"Do you have any questions for me, or what are your thoughts on this, 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that?","start":655.455,"end":662.64996,"sentiment":"neutral","sentiment_score":0.004458872887950677},{"text":"A little while","start":662.64996,"end":663.29,"sentiment":"neutral","sentiment_score":-0.005613221010814111}],"sentiment":"neutral","sentiment_score":0.0701146741349507,"channel":0,"num_words":58,"start":641.88995,"end":663.29},{"sentences":[{"text":"Yes.","start":663.09,"end":663.49,"sentiment":"neutral","sentiment_score":-0.0035180849954485893}],"sentiment":"neutral","sentiment_score":-0.0035180849954485893,"channel":1,"num_words":1,"start":663.09,"end":663.49},{"sentences":[{"text":"ago?","start":663.29,"end":663.79,"sentiment":"neutral","sentiment_score":-0.00453572440892458}],"sentiment":"neutral","sentiment_score":-0.00453572440892458,"channel":0,"num_words":1,"start":663.29,"end":663.79},{"sentences":[{"text":"I had oh,","start":663.49,"end":664.37,"sentiment":"neutral","sentiment_score":-0.011735451718171438}],"sentiment":"neutral","sentiment_score":-0.011735451718171438,"channel":1,"num_words":3,"start":663.49,"end":664.37},{"sentences":[{"text":"Yeah.","start":664.32996,"end":664.82996,"sentiment":"neutral","sentiment_score":-0.0022104596719145775}],"sentiment":"neutral","sentiment_score":-0.0022104596719145775,"channel":0,"num_words":1,"start":664.32996,"end":664.82996},{"sentences":[{"text":"yeah.","start":664.37,"end":664.61,"sentiment":"neutral","sentiment_score":0.0001392792910337448},{"text":"I've changed my 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you do you wanna get?","start":731.5,"end":733.12,"sentiment":"neutral","sentiment_score":0.04453999362885952}],"sentiment":"neutral","sentiment_score":0.05014903896621296,"channel":1,"num_words":7,"start":731.1,"end":733.12},{"sentences":[{"text":"Yes.","start":733.5,"end":734.0,"sentiment":"neutral","sentiment_score":0.03781795501708984}],"sentiment":"neutral","sentiment_score":0.03781795501708984,"channel":0,"num_words":1,"start":733.5,"end":734.0},{"sentences":[{"text":"Yep.","start":734.355,"end":734.855,"sentiment":"neutral","sentiment_score":0.03790399059653282}],"sentiment":"neutral","sentiment_score":0.03790399059653282,"channel":1,"num_words":1,"start":734.355,"end":734.855},{"sentences":[{"text":"You ready?","start":734.45996,"end":735.12,"sentiment":"neutral","sentiment_score":0.03294077329337597},{"text":"Yep.","start":736.62,"end":737.12,"sentiment":"neutral","sentiment_score":0.021277278661727905},{"text":"So it's servicing","start":737.25995,"end":738.95996,"sentiment":"neutral","sentiment_score":0.012154724759360155}],"sentiment":"neutral","sentiment_score":0.020603833254426718,"channel":0,"num_words":6,"start":734.45996,"end":738.95996},{"sentences":[{"text":"The the thing?","start":742.675,"end":743.65497,"sentiment":"neutral","sentiment_score":0.00878495971361796},{"text":"Yes.","start":743.95496,"end":744.45496,"sentiment":"neutral","sentiment_score":0.03557390719652176}],"sentiment":"neutral","sentiment_score":0.01548219658434391,"channel":1,"num_words":4,"start":742.675,"end":744.45496},{"sentences":[{"text":"Yes.","start":744.22,"end":744.72,"sentiment":"neutral","sentiment_score":0.0436517596244812},{"text":"At Oakview Financial, that's one 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worries.","start":758.46,"end":759.12,"sentiment":"neutral","sentiment_score":0.214593306183815}],"sentiment":"neutral","sentiment_score":0.17897148430347443,"channel":1,"num_words":3,"start":757.98,"end":759.12},{"sentences":[{"text":"Beautiful.","start":759.83997,"end":760.33997,"sentiment":"positive","sentiment_score":0.4938693344593048},{"text":"Just the front end of the back, I will let the team know.","start":760.95996,"end":763.68,"sentiment":"positive","sentiment_score":0.4139357896951529},{"text":"We'll just save it on file for you.","start":763.68,"end":765.7,"sentiment":"positive","sentiment_score":0.4058300480246544},{"text":"And I can see here as well that the documents have come through signed, which is great.","start":765.76,"end":770.74,"sentiment":"positive","sentiment_score":0.5882893379996804},{"text":"So I will let the team know that we'll go ahead and make that one investment switch for you, which is great.","start":771.12,"end":778.575,"sentiment":"positive","sentiment_score":0.5741271037947048}],"sentiment":"positive","sentiment_score":0.5205473772815017,"channel":0,"num_words":61,"start":759.83997,"end":778.575},{"sentences":[{"text":"And that was essentially everything on on my end today.","start":779.515,"end":782.555,"sentiment":"positive","sentiment_score":0.4559688329696655},{"text":"So pretty nice and quick there, Anthony.","start":782.555,"end":784.58997,"sentiment":"positive","sentiment_score":0.854861991746085},{"text":"But do you have any questions for me before I let you go otherwise?","start":784.58997,"end":788.05,"sentiment":"neutral","sentiment_score":0.0497731938958168}],"sentiment":"positive","sentiment_score":0.3625982898858286,"channel":0,"num_words":31,"start":779.515,"end":788.05},{"sentences":[{"text":"No.","start":788.77496,"end":789.175,"sentiment":"neutral","sentiment_score":-0.14426934719085693},{"text":"All good.","start":789.175,"end":789.65497,"sentiment":"neutral","sentiment_score":0.24107325077056885},{"text":"Thank you.","start":789.65497,"end":790.39496,"sentiment":"positive","sentiment_score":0.37124215066432953}],"sentiment":"neutral","sentiment_score":0.21607229113578796,"channel":1,"num_words":5,"start":788.77496,"end":790.39496},{"sentences":[{"text":"No.","start":789.94995,"end":790.44995,"sentiment":"neutral","sentiment_score":0.1125248596072197},{"text":"Beautiful.","start":790.67,"end":791.17,"sentiment":"positive","sentiment_score":0.5836218595504761},{"text":"Well, thank you so much for your time this afternoon.","start":791.23,"end":793.23,"sentiment":"positive","sentiment_score":0.7547686934471131},{"text":"If there's anything else that you need, just let me know.","start":793.23,"end":796.35,"sentiment":"neutral","sentiment_score":0.3130411776629361},{"text":"Okay?","start":796.35,"end":796.85,"sentiment":"neutral","sentiment_score":0.21009260416030884}],"sentiment":"positive","sentiment_score":0.49572413383672637,"channel":0,"num_words":24,"start":789.94995,"end":796.85},{"sentences":[{"text":"Okay then.","start":797.33496,"end":797.89496,"sentiment":"neutral","sentiment_score":0.19266614317893982},{"text":"Thank you.","start":797.89496,"end":798.635,"sentiment":"positive","sentiment_score":0.6091807782649994}],"sentiment":"positive","sentiment_score":0.4009234607219696,"channel":1,"num_words":4,"start":797.33496,"end":798.635},{"sentences":[{"text":"No worries.","start":798.92694,"end":799.48694,"sentiment":"neutral","sentiment_score":0.2147505134344101},{"text":"We'll speak soon, Anthony.","start":799.48694,"end":800.62695,"sentiment":"neutral","sentiment_score":0.25034450739622116},{"text":"Bye.","start":802.60693,"end":803.10693,"sentiment":"neutral","sentiment_score":-0.0938303843140602}],"sentiment":"neutral","sentiment_score":0.1910069531628064,"channel":0,"num_words":7,"start":798.92694,"end":803.10693}]},"summary":{"result":"success","short":"A representative from Financial calls Anthony to confirm his personal information and discuss his investment. They guide him through updating his investment information and recommend staying within his growth profile and adjusting his risk profile. The speaker recommends the hub twenty four account to reassess his risk profile and fee comparison table. They also explain that making a change to his investment switch has no capital gains tax and is saving him money. The agent recommends making a straightforward switch for himself and updating his risk profile, and confirms that the change will be made and the customer will receive an email with necessary documents."},"intents":{"segments":[{"text":"And just to confirm I am speaking with the right person, could I just get you to confirm Okay. your full name, date of birth, and address for me, please? Anthony Zara.","start_word":87,"end_word":118,"intents":[{"intent":"Confirm identity","confidence_score":0.71903354},{"intent":"Confirm identity","confidence_score":0.13170128}]},{"text":"your full name, date of birth, and address for me, please? Anthony Zara.","start_word":106,"end_word":118,"intents":[{"intent":"Provide information","confidence_score":0.24146995}]},{"text":"So what I have done is I have to send you an email with the documents. If you are able to access it at the same time, it just makes it a little bit easier for you. Mhmm.","start_word":166,"end_word":203,"intents":[{"intent":"Send document","confidence_score":0.027820608}]},{"text":"It's pretty straightforward today, so I won't take up too much of your time. A lot of it in the document is for compliance purposes. So I will let you have a read over most of it in your own time, and I'll just kind of explain the differences that I have recommended. Perfect.","start_word":204,"end_word":257,"intents":[{"intent":"Provide clarification","confidence_score":0.07999297}]},{"text":"And the adviser 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 make sense? Yeah.","start_word":427,"end_word":456,"intents":[{"intent":"Guide adviser information","confidence_score":0.0009094103}]},{"text":"So I have recommended you stay in Hub twenty four, and, literally, the only change is swapping one investment, which was the Benelung investment, which was underperforming a little bit to another alternative. Now Mhmm.","start_word":644,"end_word":678,"intents":[{"intent":"Compare investment investments","confidence_score":0.00017856111}]},{"text":"And by making that one investment switch, again, when we are looking at the three year rolling average historically, it has outperformed by about 4.23%, Yep. which, again, I thought was pretty good from just making that one switch. So very simple.","start_word":948,"end_word":989,"intents":[{"intent":"Analyze investment decision","confidence_score":0.00029430425}]},{"text":"with the the new recommended switch is it is just kind of tracking that top 200. So it is a little bit smoother than the Benelon, which was kind of aiming to actively buy and sell different investment. Yeah.","start_word":1520,"end_word":1558,"intents":[{"intent":"Provide recommendations","confidence_score":0.0076823384}]},{"text":"Do you have any questions for me, or what are your thoughts on this, Anthony? No.","start_word":1638,"end_word":1653,"intents":[{"intent":"Request information","confidence_score":0.019960642}]},{"text":"So if you are happy to press it should say sign now. Yep.","start_word":1661,"end_word":1673,"intents":[{"intent":"Confirm signature","confidence_score":0.29339078}]},{"text":"I'll refresh that on my end. And while I wait for that through, just to make sure if that comes through, I can see here as well that it looks like the ID we have on file for you has expired. Did you recently receive a new I driver's license or anything like that? A little while Yes.","start_word":1710,"end_word":1767,"intents":[{"intent":"Refresh signature","confidence_score":0.1586471}]},{"text":"Would you like me to read out the email address? Do you have a paper or pen anywhere?","start_word":1831,"end_word":1848,"intents":[{"intent":"Provide email address","confidence_score":0.123692095}]},{"text":"Would you like me to read out the email address? Do you have a paper or pen anywhere? I can do it as I'm talking to you. Just one Okay. sec.","start_word":1831,"end_word":1861,"intents":[{"intent":"Provide email","confidence_score":0.084074035}]},{"text":"Just the front end of the back, I will let the team know. We'll just save it on file for you. And I can see here as well that the documents have come through signed, which is great. So I will let the team know that we'll go ahead and make that one investment switch for you, which is great.","start_word":1899,"end_word":1958,"intents":[{"intent":"Save document","confidence_score":0.10978553},{"intent":"Inform team","confidence_score":0.07062935}]}]},"sentiments":{"segments":[{"text":"Hello. Anthony speaking.","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.0384395569562912},{"text":"Good afternoon, Anthony.","start_word":3,"end_word":5,"sentiment":"positive","sentiment_score":0.33635276556015015},{"text":"It's Veronica from Financial. How are you? Yeah.","start_word":6,"end_word":13,"sentiment":"neutral","sentiment_score":0.23997023701667783},{"text":"Good. Thanks. That's good. I had you booked in for a pretty quick catch up, really, just to kind of go over the research I did on your super investment.","start_word":14,"end_word":43,"sentiment":"positive","sentiment_score":0.48930007219314575},{"text":"Is now still a good Yes. time? Yes.","start_word":44,"end_word":51,"sentiment":"neutral","sentiment_score":0.25006595253944397},{"text":"All good.","start_word":52,"end_word":53,"sentiment":"positive","sentiment_score":0.4335324168205261},{"text":"Yeah.","start_word":54,"end_word":54,"sentiment":"neutral","sentiment_score":0.30867964029312134},{"text":"Perfect.","start_word":55,"end_word":55,"sentiment":"positive","sentiment_score":0.4862174689769745},{"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. Yep. Perfect. And just to confirm I am speaking with the right person, could I just get you to confirm Okay. your full name, date of birth, and address for me, please? Anthony Zara. 16 Gibson Way, Caroline Springs. Perfect. And, sorry, the state of birth as well. I think to the second nineteen seventy five. Yeah.","start_word":56,"end_word":141,"sentiment":"neutral","sentiment_score":0.06200097128748894},{"text":"Amazing. That's exactly what I have here.","start_word":142,"end_word":148,"sentiment":"positive","sentiment_score":0.5704817175865173},{"text":"Now, Anthony, do you have access to your emails at the moment? I do. Yep. Okay.","start_word":149,"end_word":164,"sentiment":"neutral","sentiment_score":0.08123811334371567},{"text":"Beautiful.","start_word":165,"end_word":165,"sentiment":"positive","sentiment_score":0.5463504791259766},{"text":"So what I have done is I have to send you an email with the documents. If you are able to access it at the same time, it just makes it a little bit easier for you. Mhmm. It's pretty straightforward today, so I won't take up too much of your time. A lot of it in the document is for compliance purposes. So I will let you have a read over most of it in your own time, and I'll just kind of explain the differences that I have recommended.","start_word":166,"end_word":256,"sentiment":"neutral","sentiment_score":0.2279413938522339},{"text":"Perfect.","start_word":257,"end_word":257,"sentiment":"positive","sentiment_score":0.3538969159126282},{"text":"Now did you get that email okay? Did Yes. that come Yes. through? I yeah. I have. Yes. Perfect. So if you can go into the email for me, you should see the first page where it says statement of advice prepared for Yes. yep. Perfect. So kind of like I said, every time we do make a recommendation on any financial product and make tailored financial advice, we have to put everything in the statement of advice for you just to make sure you fully understand everything. Now Mhmm. at the bottom of this page here, you will also see my details. You will see my authorized representative number listed, and I am licensed under Oakview Financial. Now Mhmm. every time we do make a recommendation as well, we have to follow that best interest duty, which is kind of outlined on page two for you. Basically, what it means is that we have to make sure that the we always put your best interest before everything else. And the adviser 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 make sense? Yeah. It's downstairs. Yeah.","start_word":258,"end_word":459,"sentiment":"neutral","sentiment_score":0.08670966430465774},{"text":"Beautiful. Now like I said, it is pretty straightforward today.","start_word":460,"end_word":469,"sentiment":"positive","sentiment_score":0.4983935952186585},{"text":"So what I will get you to do is if you can scroll through for me down Mhmm. through page let me see here. Page 17. So as you scroll through, you'll see couple of pages with some personal information about you. There's a couple of pages in regards to risk profiles. Now we're not making any changes. We are keeping you within your growth profile. Not making any changes to increasing risk or anything like that. It is literally just making one investment switch, and that's Mhmm. Hub twenty four account just to make sure it's still a good option for you or if there was any other super funds that was going to be better for you. Because Yep. things are always changing, so it is good to kind of reassess it every now and then.","start_word":470,"end_word":607,"sentiment":"neutral","sentiment_score":0.09392552077770232},{"text":"And at the moment, hub twenty four still is very much competitive. It's very competitive when it comes to the the fees and the cost and the fees and the cost investment choices and flexibilities.","start_word":608,"end_word":642,"sentiment":"positive","sentiment_score":0.3742695748806},{"text":"So I have recommended you stay in Hub twenty four, and, literally, the only change is swapping one investment, which was the Benelung investment, which was underperforming a little bit to another alternative. Now Mhmm. how that changes things for you is that page 17, can you see the fee comparison table? In that link? Yes. So on the on page 17 in that document. Can you see that? Or what No. The document that you've attached only goes to page that is probably the appendix. Now if you can you click nine. on the link where it says sign now? Oh, sorry. No. That's okay. What you are seeing, though, is the appendix. I feel like research growth. Okay. Yep. Yep. Yep. Yep. Yep. So when Okay. you click on the link, hopefully, there should be a page where it says 26 pages. Yeah. It is. Yep. That'll So be page useful. 17. page 17. Yes, please. No worries. And we're not making any changes to insurances or anything like that. Literally just Mhmm. swapping that one investment. So let me know when you can see page 17 where it says fee Yep. comparison. Yep.","start_word":643,"end_word":838,"sentiment":"neutral","sentiment_score":0.009615959599614143},{"text":"Perfect. Now this just shows you the changes and all the numbers. So the good thing by making that one investment bridge, there's actually no capital gains tax with the change, which is great. In addition, it has reduced the investment fees for you. So the total Yep. difference in fees and this is just from one investment. It is saving you about $475 a year in investment fees alone, which I thought was Okay. pretty good. Yep. Yep. And it's also improving the performance. So at the bottom there, you can see your three year rolling average.","start_word":839,"end_word":936,"sentiment":"positive","sentiment_score":0.5247995853424072},{"text":"You can see your current and then Yep. the recommended. And by making that one investment switch, again, when we are looking at the three year rolling average historically, it has outperformed by about 4.23%, Yep.","start_word":937,"end_word":972,"sentiment":"neutral","sentiment_score":0.28479791598187554},{"text":"which, again, I thought was pretty good from just making that one switch. So very simple.","start_word":973,"end_word":988,"sentiment":"positive","sentiment_score":0.7020835280418396},{"text":"Uh-huh. No other changes. Now what that actually looks like, if you can scroll up for me to page 16, Okay. Yep. it doesn't change. So this shows you your risk profile. So it shows you your existing. So you have your risk profile in the second column, Mhmm. which is that eighty twenty split. You have your existing portfolio and then the proposed. And you Yep. can see that we are just switching your one Australian equity for another Australian equity, so it does not change your risk at all. Just Yes. literally one.","start_word":989,"end_word":1083,"sentiment":"neutral","sentiment_score":0.05120290815830231},{"text":"So pretty straightforward.","start_word":1084,"end_word":1086,"sentiment":"positive","sentiment_score":0.3898442387580872},{"text":"And if you wanna scroll up to page 14 for me, Uh-huh. that shows you what we are changing. So you can see here what's in red. It is what we Yes. are selling. So that is the Benelong Okay. Australian equity is the only one we're selling, and what we are swapping it for is the one at the bottom where it says beta shares Australia 200. Okay. Same same allocation, same dollar value. It's just a Mhmm. straight switch. And this investment, just for your reference, it does invest in the 200 largest companies listed on the ASX in Australia. So very diversified for you to give you that the the exposure because we wanna Mhmm. make sure as well that if we take one Australian investment out, we wanna make sure we still have some investment in the Australian market. We don't wanna have everything just overseas or everything in one area. We wanna make sure we keep that diversification.","start_word":1087,"end_word":1249,"sentiment":"neutral","sentiment_score":0.10040461272001266},{"text":"So I have recommended that we just make that one switch for you. I did consider if we needed to make any other justification, but all the other investments are doing pretty good and aligned with everything. So the best the best option I could find for you and the easiest as well minimizing that tax, literally just that one straightforward switch for you.","start_word":1250,"end_word":1313,"sentiment":"positive","sentiment_score":0.433849117718637},{"text":"Does that make sense, Anthony? Yes.","start_word":1314,"end_word":1319,"sentiment":"neutral","sentiment_score":0.2613990008831024},{"text":"It does. Yeah. Beautiful. And if you go to page 18, you will actually see a bit of a projected change. So I have shown five and ten years so that you can see that it does compound.","start_word":1320,"end_word":1357,"sentiment":"positive","sentiment_score":0.4115387797355652},{"text":"I So can't by hear proving returns a little bit, reducing fees a little bit, you. it is making a bit of a difference when we're looking longer term.","start_word":1358,"end_word":1386,"sentiment":"neutral","sentiment_score":0.23439007997512817},{"text":"Yep. And you can even see underneath that on the table, I have done the twelve month comparison for you for the returns as well. And you can see that even the last twelve months that the recommended investment has outperformed the vendor loan itself for you.","start_word":1387,"end_word":1433,"sentiment":"positive","sentiment_score":0.4467938840389252},{"text":"Yes. Yes. And that was essentially everything. So it is a long document for for one switch, but it is to make sure that you have time to read over it. It outlines all the risks and the disadvantages and the benefits of the recommendation, which I've kind of touched on if you are saving fees. There's no tax, which is great. And one risk to be mindful of is there's always the level of risk associated with any investment option. So the good thing Yes.","start_word":1434,"end_word":1519,"sentiment":"neutral","sentiment_score":0.11585221439599992},{"text":"with the the new recommended switch is it is just kind of tracking that top 200.","start_word":1520,"end_word":1535,"sentiment":"positive","sentiment_score":0.34891584515571594},{"text":"So it is a little bit smoother than the Benelon, which was kind of aiming to actively buy and sell different investment. Yeah. I can hear you. Yeah. And if you are happy with the recommendation, there is no changes in regards to the fee structure at all. So Mhmm. it stays exactly the same at 1.1 from superannuation for you. No changes in regards to any of that. It is all part of the ongoing advice fee for us to obviously do this research here for us to see that we wanna make any case. So Yep.","start_word":1536,"end_word":1633,"sentiment":"neutral","sentiment_score":0.26035547256469727},{"text":"pretty straightforward today.","start_word":1634,"end_word":1636,"sentiment":"positive","sentiment_score":0.4205243587493897},{"text":"Do you have any questions for me, or what are your thoughts on this, Anthony? No. I'm fine.","start_word":1637,"end_word":1654,"sentiment":"neutral","sentiment_score":0.0630943551659584},{"text":"Happy to go ahead. Yeah. Amazing. So if you are happy to press it should say sign now.","start_word":1655,"end_word":1672,"sentiment":"positive","sentiment_score":0.4856291711330414},{"text":"Yep. It should ask you to add a signature at the bottom, and I think it dates it as well. Mhmm. Yes.","start_word":1673,"end_word":1694,"sentiment":"neutral","sentiment_score":0.18101313710212708},{"text":"Beautiful.","start_word":1695,"end_word":1695,"sentiment":"positive","sentiment_score":0.5090621113777161},{"text":"And then it should say validate. Oh, yeah. It should be coming over. Alright. I'll refresh that on my end. And while I wait for that through, just to make sure if that comes through, I can see here as well that it looks like the ID we have on file for you has expired. Did you recently receive a new I driver's license or anything like that? A little while Yes. ago? I had oh, Yeah. yeah. I've changed my yeah. Because Yeah. I had my I had my address on my license to my to a different residence. Okay. When you have a moment, would you be able to take a photo of the front and the back of your driver's license and email that through to me? Mhmm. Yeah. No problems. Yeah. Would you like me to read out the email address? Do you have a paper or pen anywhere? I can do it as I'm talking to you. Just one Okay. sec. Beautiful. Okay. Can you do you wanna get? Yes. Yep. You ready? Yep. So it's servicing The the thing? Yes. Yes. At Oakview Financial, that's one word, Yes. dot com dot a u. Okay. No worries.","start_word":1696,"end_word":1897,"sentiment":"neutral","sentiment_score":0.05051649361848831},{"text":"Beautiful. Just the front end of the back, I will let the team know. We'll just save it on file for you. And I can see here as well that the documents have come through signed, which is great. So I will let the team know that we'll go ahead and make that one investment switch for you, which is great. And that was essentially everything on on my end today. So pretty nice and quick there, Anthony.","start_word":1898,"end_word":1975,"sentiment":"positive","sentiment_score":0.5456173351177802},{"text":"But do you have any questions for me before I let you go otherwise? No. All good.","start_word":1976,"end_word":1992,"sentiment":"neutral","sentiment_score":0.06680186092853546},{"text":"Thank you.","start_word":1993,"end_word":1994,"sentiment":"positive","sentiment_score":0.3362388610839844},{"text":"No.","start_word":1995,"end_word":1995,"sentiment":"neutral","sentiment_score":0.1125248596072197},{"text":"Beautiful. Well, thank you so much for your time this afternoon.","start_word":1996,"end_word":2006,"sentiment":"positive","sentiment_score":0.7145302891731262},{"text":"If there's anything else that you need, just let me know. Okay? Okay then.","start_word":2007,"end_word":2020,"sentiment":"neutral","sentiment_score":0.29111772775650024},{"text":"Thank you.","start_word":2021,"end_word":2022,"sentiment":"positive","sentiment_score":0.6015511751174927},{"text":"No worries. We'll speak soon, Anthony. Bye.","start_word":2023,"end_word":2029,"sentiment":"neutral","sentiment_score":0.23148676753044128}],"average":{"sentiment":"neutral","sentiment_score":0.19067236071327948}}}}