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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, I do have a password on file. Would you know where that might be? Yep. That's the one. Have you had a busy day today? Well yeah. Well, I will try not to keep you for too long. Are you driving at the moment? Yep. Okay. Perfect. So what I'll do is I will just very quickly run through some of the main points in the recommendation for you, and then I'll let you have a read over it in your own time when you can actually see the document. I have just emailed it to you, though. So when you got home or whenever you do have a moment, like I said, have a look through it. Any questions, let me know. Otherwise, I will try to make it as quick as I can for you. Perfect. Now it is pretty straightforward today, really. The only thing we're kind of looking at doing is following on from our last conversation where you mentioned that you kind of wanted to look at reducing your risk at the moment from high growth down to about balanced growth aiming for that $70.30 split in asset allocation, and then also looking to reduce the exposure to iShares S and P 500. Does that all ring a bell? Yes. Yes. Obviously, a lot that's a lot that's changing and and happening. So I have made a recommendation for you at the moment, which is all in the segment of the time. Now following from our conversation as well, I don't know if you ended up reading a little bit on that estimate concept. Yeah. So, obviously, from there, you mentioned that the moment that right now because you haven't had time to obviously done some research and stuff on it, I haven't recommended the SMA. I did consider it as part of the research. I didn't recommend it at the moment because you mentioned that right now not something you are super comfortable with or want to explore further. Yeah. Mhmm. Mhmm. Yep. Yep. So it's got so with so the SMA, that's like a self managed account. So that is yes. Mhmm. Okay. Yeah. Well, I am sorry that it's taken so long for you. I spoke to you it was only a couple of weeks ago, and it does take a little bit to get the research. But I do apologize that you're going to have someone in November, and that it's taken from November until now because that is quite a long time. So I do apologize that it's taken so long for you. Just let it be quicker, and I'll make a note as well that, like, I can only service it from when I spoke to you until now. It's been I have prioritized it from, obviously, pulling together all the research as quickly as I can. But, again, obviously, if you did contact someone back in November and did it initiate further, I'll have a look into it as well. But, yeah, it should it should happen faster. And moving forward, I'll make sure that if you're moving forward that it will not take that long to get the research. Typically, it takes about two weeks or so to pull together or signal advice. But, yeah, obviously, if you spoke to someone in November, that is quite a long time. Yeah. So with the recommendation for you, I have taken in, obviously, your goals into consideration. A lot is just for compliance and to make sure that you are, you know, fully across and aware of everything. I know that you have a pretty good understanding of everything. Like I said, I'll let you have read over a lot of it today. But what I do wanna point out is the actual recommendation. So when you have a moment, have a look at let's see here. Page 17. You will see that this is a big comparison table. So this essentially just puts all, like, the words and everything into a table for you where you can actually see all the calculations and everything like that behind the recommendation. Sometimes that's a bit easier to to see things, but what I have recommended is retaining your hub 24. It's still doing obviously, it's a very good platform. I did look at other competitors as well. I'm just doing research to make sure it's still a competitive option, and it very much is it is very competitive in terms of pricing for other, like, kind of platforms like Macquarie and Netwealth, which you may have heard of. Hub twenty four was a little bit cheaper, and it still gives you the same access to the amount of investments. So I very much just recommending keeping you in Hub twenty four and just changing those investments. Now I'm making the change from high growth to balance growth, but then also kind of updating the portfolio for you. When you have a look at it, we will see that the total fee has actually been reduced by about 2,057 roughly just by saving in investment fees and loans. So we have removed some of those more of the management as well as the more expensive and just kind of shifted it to a bit more of those defensive investments for you. Now you will see as well that the returns have been included there for you. So the return on your current portfolio, against the recommended has been outlined. And with the recommended so even though we are looking at a lot more defensive investments, They have actually done better than your current portfolio even though the current one is that it is taking a bit more risk obviously being in a high growth portfolio, and it was a bit more concentrated and somatic in different areas. So by making the change, actually, the the historical three year rolling average is about a difference of about 0.23%, which is pretty good given that we are reducing your risk exposure by quite a bit. On page 18, you will see that I've outlined returns a bit more. So I've done twelve months for you. The difference there is eight twenty seven nine currently. It's 15.17 recommended. And then I've done three years comparison as well. Also included five and ten year on the recommended portfolio. I couldn't do your current one. Some of the current investments weren't available but I've included a list of recommended so that you can see that for you. And it's also being kind of projected forward for five and ten years, so you again can see the difference. The one thing I do want to mention as well, because we are obviously selling some of your investments, there will be capital gains tax associated with the change. Now I've tried to make it as little as possible by still obviously making sure we are reducing the risk down to that $70.30 split and specifically reducing the exposure to the iShares S and P 500. So the estimated capital gains tax by doing the change is about 3,943, and that's all been included in that table for you. So if you see the difference in the balance, that's what that is. That is just the capital gains tax. Just for your reference, if I looked at doing, like, a full sell down of all the investments, because your portfolio from when you came on board have gone up quite a bit as well, the capital gains tax would have been about 10,520. So, obviously, I kinda minimize that for you. So I've got it down through around 394. Obviously, it's kind of an estimate based on when we did the calculation, so it could obviously vary a little bit as it does change, but just so so you are aware. But, essentially, the change in investment, which you can see on page 15 when you do have access to the document, It outlines your current investments, the one we have recommended, the current weight allocation, also the buy and sell. So what you see in red when you have a moment, that's obviously what we are selling. The black is what we are buying, and then the target white. So I'll let you have a look over that. In the appendix, I have included all the investment links as well. So if you do wanna go and have a read over those investments a little bit, it's all there for you. But as just like a brief summary of the portfolio, we've kind of really tried to focus it and towards a more balanced and structured approach. So previous Yep. Yes. There is. So, basically, when you have a look at the email, you click on the link where it says sign now. Now it will allow you to open the document first before it prompts you to sign. So you can have a read over everything. If you are happy with the recommendation, it will then just ask you digitally to sign. It will just sign and date. There is a text box as well that has been included if you would like to make any variations to the advice. If you don't wanna make variations, you can just put NA in that box because it won't let you move forward unless you put something in there, essentially. Yeah. No. That's okay. Does it make sense? Yep. Yep. No problem at all. Thank you, Timothy. 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afternoon. Is this Timothy? This is Veronica from Workview Financial. How are you? That's good.\n\nIs now a bit better time for you? Yeah. Okay. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nPerfect. And just to confirm I am speaking with the right person, I do have a password on file. Would you know where that might be? Yep. That's the one.\n\nHave you had a busy day today? Well yeah. Well, I will try not to keep you for too long. Are you driving at the moment? Yep.\n\nOkay. Perfect. So what I'll do is I will just very quickly run through some of the main points in the recommendation for you, and then I'll let you have a read over it in your own time when you can actually see the document. I have just emailed it to you, though. So when you got home or whenever you do have a moment, like I said, have a look through it.\n\nAny questions, let me know. Otherwise, I will try to make it as quick as I can for you. Perfect. Now it is pretty straightforward today, really. The only thing we're kind of looking at doing is following on from our last conversation where you mentioned that you kind of wanted to look at reducing your risk at the moment from high growth down to about balanced growth aiming for that $70.30 split in asset allocation, and then also looking to reduce the exposure to iShares S and P 500.\n\nDoes that all ring a bell? Yes. Yes. Obviously, a lot that's a lot that's changing and and happening. So I have made a recommendation for you at the moment, which is all in the segment of the time.\n\nNow following from our conversation as well, I don't know if you ended up reading a little bit on that estimate concept. Yeah. So, obviously, from there, you mentioned that the moment that right now because you haven't had time to obviously done some research and stuff on it, I haven't recommended the SMA. I did consider it as part of the research. I didn't recommend it at the moment because you mentioned that right now not something you are super comfortable with or want to explore further.\n\nYeah. Mhmm. Mhmm. Yep. Yep.\n\nSo it's got so with so the SMA, that's like a self managed account. So that is yes. Mhmm. Okay. Yeah.\n\nWell, I am sorry that it's taken so long for you. I spoke to you it was only a couple of weeks ago, and it does take a little bit to get the research. But I do apologize that you're going to have someone in November, and that it's taken from November until now because that is quite a long time. So I do apologize that it's taken so long for you. Just let it be quicker, and I'll make a note as well that, like, I can only service it from when I spoke to you until now.\n\nIt's been I have prioritized it from, obviously, pulling together all the research as quickly as I can. But, again, obviously, if you did contact someone back in November and did it initiate further, I'll have a look into it as well. But, yeah, it should it should happen faster. And moving forward, I'll make sure that if you're moving forward that it will not take that long to get the research. Typically, it takes about two weeks or so to pull together or signal advice.\n\nBut, yeah, obviously, if you spoke to someone in November, that is quite a long time. Yeah. So with the recommendation for you, I have taken in, obviously, your goals into consideration. A lot is just for compliance and to make sure that you are, you know, fully across and aware of everything. I know that you have a pretty good understanding of everything.\n\nLike I said, I'll let you have read over a lot of it today. But what I do wanna point out is the actual recommendation. So when you have a moment, have a look at let's see here. Page 17. You will see that this is a big comparison table.\n\nSo this essentially just puts all, like, the words and everything into a table for you where you can actually see all the calculations and everything like that behind the recommendation. Sometimes that's a bit easier to to see things, but what I have recommended is retaining your hub 24. It's still doing obviously, it's a very good platform. I did look at other competitors as well. I'm just doing research to make sure it's still a competitive option, and it very much is it is very competitive in terms of pricing for other, like, kind of platforms like Macquarie and Netwealth, which you may have heard of.\n\nHub twenty four was a little bit cheaper, and it still gives you the same access to the amount of investments. So I very much just recommending keeping you in Hub twenty four and just changing those investments. Now I'm making the change from high growth to balance growth, but then also kind of updating the portfolio for you. When you have a look at it, we will see that the total fee has actually been reduced by about 2,057 roughly just by saving in investment fees and loans. So we have removed some of those more of the management as well as the more expensive and just kind of shifted it to a bit more of those defensive investments for you.\n\nNow you will see as well that the returns have been included there for you. So the return on your current portfolio, against the recommended has been outlined. And with the recommended so even though we are looking at a lot more defensive investments, They have actually done better than your current portfolio even though the current one is that it is taking a bit more risk obviously being in a high growth portfolio, and it was a bit more concentrated and somatic in different areas. So by making the change, actually, the the historical three year rolling average is about a difference of about 0.23%, which is pretty good given that we are reducing your risk exposure by quite a bit. On page 18, you will see that I've outlined returns a bit more.\n\nSo I've done twelve months for you. The difference there is eight twenty seven nine currently. It's 15.17 recommended. And then I've done three years comparison as well. Also included five and ten year on the recommended portfolio.\n\nI couldn't do your current one. Some of the current investments weren't available but I've included a list of recommended so that you can see that for you. And it's also being kind of projected forward for five and ten years, so you again can see the difference. The one thing I do want to mention as well, because we are obviously selling some of your investments, there will be capital gains tax associated with the change. Now I've tried to make it as little as possible by still obviously making sure we are reducing the risk down to that $70.30 split and specifically reducing the exposure to the iShares S and P 500.\n\nSo the estimated capital gains tax by doing the change is about 3,943, and that's all been included in that table for you. So if you see the difference in the balance, that's what that is. That is just the capital gains tax. Just for your reference, if I looked at doing, like, a full sell down of all the investments, because your portfolio from when you came on board have gone up quite a bit as well, the capital gains tax would have been about 10,520. So, obviously, I kinda minimize that for you.\n\nSo I've got it down through around 394. Obviously, it's kind of an estimate based on when we did the calculation, so it could obviously vary a little bit as it does change, but just so so you are aware. But, essentially, the change in investment, which you can see on page 15 when you do have access to the document, It outlines your current investments, the one we have recommended, the current weight allocation, also the buy and sell. So what you see in red when you have a moment, that's obviously what we are selling. The black is what we are buying, and then the target white.\n\nSo I'll let you have a look over that. In the appendix, I have included all the investment links as well. So if you do wanna go and have a read over those investments a little bit, it's all there for you. But as just like a brief summary of the portfolio, we've kind of really tried to focus it and towards a more balanced and structured approach. So previous Yep.\n\nYes. There is. So, basically, when you have a look at the email, you click on the link where it says sign now. Now it will allow you to open the document first before it prompts you to sign. So you can have a read over everything.\n\nIf you are happy with the recommendation, it will then just ask you digitally to sign. It will just sign and date. There is a text box as well that has been included if you would like to make any variations to the advice. If you don't wanna make variations, you can just put NA in that box because it won't let you move forward unless you put something in there, essentially. Yeah.\n\nNo. That's okay. Does it make sense? Yep. Yep.\n\nNo problem at all. Thank you, Timothy. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":2.08,"end":2.8,"sentiment":"neutral","sentiment_score":0.254029244184494},{"text":"Is this Timothy?","start":2.8,"end":3.6999998,"sentiment":"neutral","sentiment_score":0.11986399938662846},{"text":"This is Veronica from Workview Financial.","start":5.6,"end":7.7599998,"sentiment":"neutral","sentiment_score":0.08874379967649777},{"text":"How are you?","start":7.7599998,"end":8.66,"sentiment":"neutral","sentiment_score":0.11458664884169896},{"text":"That's good.","start":10.88,"end":11.94,"sentiment":"positive","sentiment_score":0.6250587403774261}],"sentiment":"neutral","sentiment_score":0.18712441949173808,"num_words":16,"start":2.08,"end":11.94},{"sentences":[{"text":"Is now a bit better time for you?","start":12.16,"end":14.66,"sentiment":"neutral","sentiment_score":0.24540833570063114},{"text":"Yeah.","start":17.095001,"end":17.415,"sentiment":"neutral","sentiment_score":0.08588911592960358},{"text":"Okay.","start":17.415,"end":17.895,"sentiment":"neutral","sentiment_score":0.17745763063430786},{"text":"Perfect.","start":17.895,"end":18.395,"sentiment":"positive","sentiment_score":0.36832696199417114},{"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":19.415,"end":26.555,"sentiment":"neutral","sentiment_score":0.048810106862721775}],"sentiment":"neutral","sentiment_score":0.10026083732955157,"num_words":40,"start":12.16,"end":26.555},{"sentences":[{"text":"Perfect.","start":28.869999,"end":29.369999,"sentiment":"neutral","sentiment_score":0.3263043761253357},{"text":"And just to confirm I am speaking with the right person, I do have a password on file.","start":29.43,"end":34.87,"sentiment":"neutral","sentiment_score":0.08207744732499123},{"text":"Would you know where that might be?","start":34.87,"end":36.489998,"sentiment":"neutral","sentiment_score":0.029185208092842783},{"text":"Yep.","start":38.79,"end":39.11,"sentiment":"neutral","sentiment_score":0.02396012842655182},{"text":"That's the one.","start":39.11,"end":40.09,"sentiment":"neutral","sentiment_score":0.023509077727794647}],"sentiment":"neutral","sentiment_score":0.0700827415411671,"num_words":30,"start":28.869999,"end":40.09},{"sentences":[{"text":"Have you had a busy day today?","start":41.03,"end":42.57,"sentiment":"neutral","sentiment_score":-0.007388729602098465},{"text":"Well yeah.","start":46.205,"end":48.065,"sentiment":"neutral","sentiment_score":0.026937135495245457},{"text":"Well, I will try not to keep you for too long.","start":48.205,"end":50.705,"sentiment":"neutral","sentiment_score":-0.035490185699679634},{"text":"Are you driving at the moment?","start":51.965,"end":53.425,"sentiment":"neutral","sentiment_score":-0.016827734497686226},{"text":"Yep.","start":55.005,"end":55.405,"sentiment":"neutral","sentiment_score":0.05853919684886933}],"sentiment":"neutral","sentiment_score":-0.01595059589103416,"num_words":27,"start":41.03,"end":55.405},{"sentences":[{"text":"Okay.","start":55.405,"end":55.805,"sentiment":"neutral","sentiment_score":0.15753614902496338},{"text":"Perfect.","start":55.805,"end":56.285,"sentiment":"neutral","sentiment_score":0.32037848234176636},{"text":"So what I'll do is I will just very quickly run through some of the main points in the recommendation for you, and then I'll let you have a read over it in your own time when you can actually see the document.","start":56.285,"end":69.009995,"sentiment":"neutral","sentiment_score":0.1725536596982978},{"text":"I have just emailed it to you, though.","start":70.525,"end":72.365005,"sentiment":"neutral","sentiment_score":0.08799775689840317},{"text":"So when you got home or whenever you do have a moment, like I said, have a look through it.","start":72.365005,"end":77.005005,"sentiment":"neutral","sentiment_score":0.11050803922116756}],"sentiment":"neutral","sentiment_score":0.14810773750690565,"num_words":73,"start":55.405,"end":77.005005},{"sentences":[{"text":"Any questions, let me know.","start":77.005005,"end":78.945,"sentiment":"neutral","sentiment_score":0.08164331018924713},{"text":"Otherwise, I will try to make it as quick as I can for you.","start":79.565,"end":82.465004,"sentiment":"neutral","sentiment_score":0.13283731362649373},{"text":"Perfect.","start":84.29,"end":84.79,"sentiment":"positive","sentiment_score":0.41465210914611816},{"text":"Now it is pretty straightforward today, really.","start":85.090004,"end":88.55,"sentiment":"positive","sentiment_score":0.399971889598029},{"text":"The only thing we're kind of looking at doing is following on from our last conversation where you mentioned that you kind of wanted to look at reducing your risk at the moment from high growth down to about balanced growth aiming for that $70.30 split in asset allocation, and then also looking to reduce the exposure to iShares S and P 500.","start":89.090004,"end":111.375,"sentiment":"neutral","sentiment_score":0.14977000624177947}],"sentiment":"neutral","sentiment_score":0.16575449634757305,"num_words":90,"start":77.005005,"end":111.375},{"sentences":[{"text":"Does that all ring a bell?","start":111.375,"end":112.755,"sentiment":"neutral","sentiment_score":0.10963532328605652},{"text":"Yes.","start":116.93,"end":117.409996,"sentiment":"neutral","sentiment_score":0.11635744571685792},{"text":"Yes.","start":117.409996,"end":117.729996,"sentiment":"neutral","sentiment_score":0.04617102071642876},{"text":"Obviously, a lot that's a lot that's changing and and happening.","start":117.729996,"end":121.09,"sentiment":"neutral","sentiment_score":-0.11282153393734586},{"text":"So I have made a recommendation for you at the moment, which is all in the segment of the time.","start":121.09,"end":128.31,"sentiment":"neutral","sentiment_score":0.16507842466235162}],"sentiment":"neutral","sentiment_score":0.07386851348938087,"num_words":39,"start":111.375,"end":128.31},{"sentences":[{"text":"Now following from our conversation as well, I don't know if you ended up reading a little bit on that estimate concept.","start":128.655,"end":136.515,"sentiment":"neutral","sentiment_score":-0.02027815275571563},{"text":"Yeah.","start":141.7,"end":142.2,"sentiment":"neutral","sentiment_score":-0.06229139864444733},{"text":"So, obviously, from there, you mentioned that the moment that right now because you haven't had time to obviously done some research and stuff on it, I haven't recommended the SMA.","start":142.81999,"end":151.48,"sentiment":"neutral","sentiment_score":-0.2677647055637452},{"text":"I did consider it as part of the research.","start":152.09999,"end":155.08499,"sentiment":"neutral","sentiment_score":-0.16837266253100502},{"text":"I didn't recommend it at the moment because you mentioned that right now not something you are super comfortable with or want to explore further.","start":155.145,"end":164.36499,"sentiment":"negative","sentiment_score":-0.4709050929546356}],"sentiment":"neutral","sentiment_score":-0.2511033854362639,"num_words":88,"start":128.655,"end":164.36499},{"sentences":[{"text":"Yeah.","start":164.665,"end":165.165,"sentiment":"negative","sentiment_score":-0.36163657903671265},{"text":"Mhmm.","start":177.78,"end":178.28,"sentiment":"neutral","sentiment_score":-0.28210052847862244},{"text":"Mhmm.","start":186.595,"end":187.075,"sentiment":"neutral","sentiment_score":-0.14282718300819397},{"text":"Yep.","start":187.075,"end":187.575,"sentiment":"neutral","sentiment_score":-0.16491864621639252},{"text":"Yep.","start":188.835,"end":189.335,"sentiment":"neutral","sentiment_score":-0.12039025872945786}],"sentiment":"neutral","sentiment_score":-0.21437463909387589,"num_words":5,"start":164.665,"end":189.335},{"sentences":[{"text":"So it's got so with so the SMA, that's like a self managed account.","start":189.395,"end":196.695,"sentiment":"neutral","sentiment_score":-0.22008861282042094},{"text":"So that is yes.","start":197.075,"end":207.55,"sentiment":"neutral","sentiment_score":-0.13950116373598576},{"text":"Mhmm.","start":216.74501,"end":216.82501,"sentiment":"neutral","sentiment_score":-0.19711406528949735},{"text":"Okay.","start":216.82501,"end":217.32501,"sentiment":"neutral","sentiment_score":-0.14152221381664276},{"text":"Yeah.","start":220.185,"end":220.685,"sentiment":"neutral","sentiment_score":-0.13336753845214844}],"sentiment":"neutral","sentiment_score":-0.1957737643803869,"num_words":21,"start":189.395,"end":220.685},{"sentences":[{"text":"Well, I am sorry that it's taken so long for you.","start":220.74501,"end":223.565,"sentiment":"negative","sentiment_score":-0.4034989747134122},{"text":"I spoke to you it was only a couple of weeks ago, and it does take a little bit to get the research.","start":224.12999,"end":231.01,"sentiment":"neutral","sentiment_score":-0.09757272137895874},{"text":"But I do apologize that you're going to have someone in November, and that it's taken from November until now because that is quite a long time.","start":231.01,"end":239.415,"sentiment":"neutral","sentiment_score":-0.2779568110903104},{"text":"So I do apologize that it's taken so long for you.","start":239.415,"end":242.23499,"sentiment":"neutral","sentiment_score":-0.28323680839755316},{"text":"Just let it be quicker, and I'll make a note as well that, like, I can only service it from when I spoke to you until now.","start":243.97499,"end":251.17499,"sentiment":"neutral","sentiment_score":0.20190254129745341}],"sentiment":"neutral","sentiment_score":-0.11971445949842231,"num_words":99,"start":220.74501,"end":251.17499},{"sentences":[{"text":"It's been I have prioritized it from, obviously, pulling together all the research as quickly as I can.","start":251.17499,"end":257.57,"sentiment":"positive","sentiment_score":0.4607241517967648},{"text":"But, again, obviously, if you did contact someone back in November and did it initiate further, I'll have a look into it as well.","start":258.35,"end":264.83,"sentiment":"neutral","sentiment_score":0.21296530030667782},{"text":"But, yeah, it should it should happen faster.","start":264.83,"end":267.09,"sentiment":"positive","sentiment_score":0.5530887097120285},{"text":"And moving forward, I'll make sure that if you're moving forward that it will not take that long to get the research.","start":268.005,"end":274.005,"sentiment":"positive","sentiment_score":0.44643229787999933},{"text":"Typically, it takes about two weeks or so to pull together or signal advice.","start":274.005,"end":279.705,"sentiment":"neutral","sentiment_score":0.006117588374763727}],"sentiment":"neutral","sentiment_score":0.32251242334889463,"num_words":86,"start":251.17499,"end":279.705},{"sentences":[{"text":"But, yeah, obviously, if you spoke to someone in November, that is quite a long time.","start":281.49002,"end":285.11002,"sentiment":"neutral","sentiment_score":-0.2841371661052108},{"text":"Yeah.","start":286.93002,"end":287.43002,"sentiment":"neutral","sentiment_score":-0.006101652979850769},{"text":"So with the recommendation for you, I have taken in, obviously, your goals into consideration.","start":288.45,"end":294.47,"sentiment":"neutral","sentiment_score":0.2361128369967143},{"text":"A lot is just for compliance and to make sure that you are, you know, fully across and aware of everything.","start":296.44498,"end":302.125,"sentiment":"neutral","sentiment_score":0.28887044035253073},{"text":"I know that you have a pretty good understanding of everything.","start":302.125,"end":304.625,"sentiment":"neutral","sentiment_score":0.3081131035631353}],"sentiment":"neutral","sentiment_score":0.13195186923258007,"num_words":64,"start":281.49002,"end":304.625},{"sentences":[{"text":"Like I said, I'll let you have read over a lot of it today.","start":305.16498,"end":309.05,"sentiment":"neutral","sentiment_score":0.2559221110173634},{"text":"But what I do wanna point out is the actual recommendation.","start":309.51,"end":312.88998,"sentiment":"neutral","sentiment_score":0.20937150716781616},{"text":"So when you have a moment, have a look at let's see here.","start":313.83,"end":318.47,"sentiment":"neutral","sentiment_score":0.17846286698029593},{"text":"Page 17.","start":318.47,"end":320.57,"sentiment":"neutral","sentiment_score":0.05993305891752243},{"text":"You will see that this is a big comparison table.","start":321.755,"end":325.515,"sentiment":"neutral","sentiment_score":0.16770761609077453}],"sentiment":"neutral","sentiment_score":0.20005911365151405,"num_words":50,"start":305.16498,"end":325.515},{"sentences":[{"text":"So this essentially just puts all, like, the words and everything into a table for you where you can actually see all the calculations and everything like that behind the recommendation.","start":325.515,"end":335.535,"sentiment":"neutral","sentiment_score":0.20988567798368393},{"text":"Sometimes that's a bit easier to to see things, but what I have recommended is retaining your hub 24.","start":336.38,"end":343.76,"sentiment":"neutral","sentiment_score":0.1856695478291888},{"text":"It's still doing obviously, it's a very good platform.","start":343.98,"end":346.13998,"sentiment":"positive","sentiment_score":0.8003683487574259},{"text":"I did look at other competitors as well.","start":346.13998,"end":348.3,"sentiment":"positive","sentiment_score":0.4650161676108837},{"text":"I'm just doing research to make sure it's still a competitive option, and it very much is it is very competitive in terms of pricing for other, like, kind of platforms like Macquarie and Netwealth, which you may have heard of.","start":348.3,"end":362.76,"sentiment":"positive","sentiment_score":0.47268690750366305}],"sentiment":"positive","sentiment_score":0.3734980103111378,"num_words":108,"start":325.515,"end":362.76},{"sentences":[{"text":"Hub twenty four was a little bit cheaper, and it still gives you the same access to the amount of investments.","start":363.24002,"end":368.62,"sentiment":"positive","sentiment_score":0.37703504590761094},{"text":"So I very much just recommending keeping you in Hub twenty four and just changing those investments.","start":369.64,"end":374.38,"sentiment":"neutral","sentiment_score":0.27491723614580493},{"text":"Now I'm making the change from high growth to balance growth, but then also kind of updating the portfolio for you.","start":375.935,"end":384.91498,"sentiment":"neutral","sentiment_score":0.12154716874162357},{"text":"When you have a look at it, we will see that the total fee has actually been reduced by about 2,057 roughly just by saving in investment fees and loans.","start":385.29498,"end":399.34,"sentiment":"neutral","sentiment_score":0.18879772126674652},{"text":"So we have removed some of those more of the management as well as the more expensive and just kind of shifted it to a bit more of those defensive investments for you.","start":399.34,"end":410.275,"sentiment":"neutral","sentiment_score":-0.0889770459157951}],"sentiment":"neutral","sentiment_score":0.14648777577781774,"num_words":122,"start":363.24002,"end":410.275},{"sentences":[{"text":"Now you will see as well that the returns have been included there for you.","start":412.815,"end":418.57498,"sentiment":"neutral","sentiment_score":0.10380250265200933},{"text":"So the return on your current portfolio, against the recommended has been outlined.","start":418.57498,"end":424.39,"sentiment":"neutral","sentiment_score":0.10356348982224098},{"text":"And with the recommended so even though we are looking at a lot more defensive investments, They have actually done better than your current portfolio even though the current one is that it is taking a bit more risk obviously being in a high growth portfolio, and it was a bit more concentrated and somatic in different areas.","start":425.89,"end":446.715,"sentiment":"neutral","sentiment_score":0.06924635204004831},{"text":"So by making the change, actually, the the historical three year rolling average is about a difference of about 0.23%, which is pretty good given that we are reducing your risk exposure by quite a bit.","start":447.72998,"end":462.87,"sentiment":"neutral","sentiment_score":0.2689981704784764},{"text":"On page 18, you will see that I've outlined returns a bit more.","start":465.615,"end":470.01498,"sentiment":"neutral","sentiment_score":0.08876398205757141}],"sentiment":"neutral","sentiment_score":0.13153716466493076,"num_words":135,"start":412.815,"end":470.01498},{"sentences":[{"text":"So I've done twelve months for you.","start":470.01498,"end":472.115,"sentiment":"neutral","sentiment_score":0.10783354405845914},{"text":"The difference there is eight twenty seven nine currently.","start":472.335,"end":475.395,"sentiment":"neutral","sentiment_score":0.10354721711741553},{"text":"It's 15.17 recommended.","start":475.535,"end":478.115,"sentiment":"neutral","sentiment_score":0.2768065134684245},{"text":"And then I've done three years comparison as well.","start":479.07,"end":482.05,"sentiment":"neutral","sentiment_score":0.16362606320116255},{"text":"Also included five and ten year on the recommended portfolio.","start":482.35,"end":486.13,"sentiment":"neutral","sentiment_score":0.16247030720114708}],"sentiment":"neutral","sentiment_score":0.14775044588666214,"num_words":38,"start":470.01498,"end":486.13},{"sentences":[{"text":"I couldn't do your current one.","start":486.75,"end":488.19,"sentiment":"neutral","sentiment_score":-0.11706562961141269},{"text":"Some of the current investments weren't available but I've included a list of recommended so that you can see that for you.","start":488.19,"end":496.575,"sentiment":"neutral","sentiment_score":0.10916372388601303},{"text":"And it's also being kind of projected forward for five and ten years, so you again can see the difference.","start":498.315,"end":504.49503,"sentiment":"positive","sentiment_score":0.33406959027051925},{"text":"The one thing I do want to mention as well, because we are obviously selling some of your investments, there will be capital gains tax associated with the change.","start":505.29,"end":514.99,"sentiment":"neutral","sentiment_score":-0.007243500829770647},{"text":"Now I've tried to make it as little as possible by still obviously making sure we are reducing the risk down to that $70.30 split and specifically reducing the exposure to the iShares S and P 500.","start":515.61,"end":528.425,"sentiment":"neutral","sentiment_score":0.1599604205505268}],"sentiment":"neutral","sentiment_score":0.12358836832930122,"num_words":114,"start":486.75,"end":528.425},{"sentences":[{"text":"So the estimated capital gains tax by doing the change is about 3,943, and that's all been included in that table for you.","start":529.605,"end":542.51,"sentiment":"neutral","sentiment_score":0.2450298453154771},{"text":"So if you see the difference in the balance, that's what that is.","start":542.51,"end":546.02997,"sentiment":"neutral","sentiment_score":0.2214127813394253},{"text":"That is just the capital gains tax.","start":546.02997,"end":548.275,"sentiment":"neutral","sentiment_score":0.11491615005901881},{"text":"Just for your reference, if I looked at doing, like, a full sell down of all the investments, because your portfolio from when you came on board have gone up quite a bit as well, the capital gains tax would have been about 10,520.","start":548.895,"end":563.75,"sentiment":"neutral","sentiment_score":0.13551746986129068},{"text":"So, obviously, I kinda minimize that for you.","start":564.21,"end":566.37,"sentiment":"neutral","sentiment_score":0.17785335145890713}],"sentiment":"neutral","sentiment_score":0.17583222248052296,"num_words":95,"start":529.605,"end":566.37},{"sentences":[{"text":"So I've got it down through around 394.","start":566.37,"end":569.51,"sentiment":"neutral","sentiment_score":0.15914439223706722},{"text":"Obviously, it's kind of an estimate based on when we did the calculation, so it could obviously vary a little bit as it does change, but just so so you are aware.","start":569.65,"end":578.895,"sentiment":"neutral","sentiment_score":-0.08294991050695444},{"text":"But, essentially, the change in investment, which you can see on page 15 when you do have access to the document, It outlines your current investments, the one we have recommended, the current weight allocation, also the buy and sell.","start":579.03503,"end":597.35004,"sentiment":"neutral","sentiment_score":0.09894746169447899},{"text":"So what you see in red when you have a moment, that's obviously what we are selling.","start":597.35004,"end":601.11,"sentiment":"neutral","sentiment_score":0.1378251528915237},{"text":"The black is what we are buying, and then the target white.","start":601.11,"end":604.885,"sentiment":"neutral","sentiment_score":0.18608312060435614}],"sentiment":"neutral","sentiment_score":0.06562093133817735,"num_words":109,"start":566.37,"end":604.885},{"sentences":[{"text":"So I'll let you have a look over that.","start":604.945,"end":607.345,"sentiment":"neutral","sentiment_score":0.26674846145841813},{"text":"In the appendix, I have included all the investment links as well.","start":607.345,"end":611.745,"sentiment":"neutral","sentiment_score":0.23447217916448912},{"text":"So if you do wanna go and have a read over those investments a little bit, it's all there for you.","start":611.745,"end":618.07,"sentiment":"neutral","sentiment_score":0.32892555707976934},{"text":"But as just like a brief summary of the portfolio, we've kind of really tried to focus it and towards a more balanced and structured approach.","start":618.07,"end":627.51,"sentiment":"neutral","sentiment_score":0.2867949536213508},{"text":"So previous Yep.","start":627.51,"end":635.735,"sentiment":"neutral","sentiment_score":0.08840835342804591}],"sentiment":"neutral","sentiment_score":0.2794891951579443,"num_words":71,"start":604.945,"end":635.735},{"sentences":[{"text":"Yes.","start":638.275,"end":638.595,"sentiment":"neutral","sentiment_score":0.13178613781929016},{"text":"There is.","start":638.595,"end":639.15497,"sentiment":"neutral","sentiment_score":0.12281157448887825},{"text":"So, basically, when you have a look at the email, you click on the link where it says sign now.","start":639.15497,"end":644.71,"sentiment":"neutral","sentiment_score":0.11671405583620072},{"text":"Now it will allow you to open the document first before it prompts you to sign.","start":644.71,"end":649.43,"sentiment":"neutral","sentiment_score":0.12834526551887393},{"text":"So you can have a read over everything.","start":649.43,"end":651.29004,"sentiment":"neutral","sentiment_score":0.23333287239074707}],"sentiment":"neutral","sentiment_score":0.14110377938189406,"num_words":47,"start":638.275,"end":651.29004},{"sentences":[{"text":"If you are happy with the recommendation, it will then just ask you digitally to sign.","start":652.15,"end":658.07,"sentiment":"neutral","sentiment_score":0.2956794034689665},{"text":"It will just sign and date.","start":658.07,"end":659.94495,"sentiment":"neutral","sentiment_score":0.1865719979008039},{"text":"There is a text box as well that has been included if you would like to make any variations to the advice.","start":660.32495,"end":666.745,"sentiment":"neutral","sentiment_score":0.1330094632099975},{"text":"If you don't wanna make variations, you can just put NA in that box because it won't let you move forward unless you put something in there, essentially.","start":667.365,"end":675.28,"sentiment":"neutral","sentiment_score":-0.077283486989992},{"text":"Yeah.","start":677.66003,"end":678.16003,"sentiment":"neutral","sentiment_score":0.04169630259275437}],"sentiment":"neutral","sentiment_score":0.09115437397809878,"num_words":73,"start":652.15,"end":678.16003},{"sentences":[{"text":"No.","start":680.7,"end":680.94,"sentiment":"neutral","sentiment_score":-0.12149035185575484},{"text":"That's okay.","start":680.94,"end":681.76,"sentiment":"neutral","sentiment_score":0.126569002866745},{"text":"Does it make sense?","start":682.94,"end":684.08,"sentiment":"neutral","sentiment_score":0.18223528936505318},{"text":"Yep.","start":685.02,"end":685.52,"sentiment":"neutral","sentiment_score":0.0450865738093853},{"text":"Yep.","start":685.74,"end":686.24,"sentiment":"neutral","sentiment_score":0.08237649500370026}],"sentiment":"neutral","sentiment_score":0.10978354223900372,"num_words":9,"start":680.7,"end":686.24},{"sentences":[{"text":"No problem at all.","start":687.75287,"end":688.7128,"sentiment":"positive","sentiment_score":0.3652059882879257},{"text":"Thank you, Timothy.","start":688.7128,"end":689.53284,"sentiment":"positive","sentiment_score":0.6484785079956055},{"text":"Bye.","start":691.1929,"end":691.6929,"sentiment":"neutral","sentiment_score":-0.09976159781217576}],"sentiment":"positive","sentiment_score":0.41331223491579294,"num_words":8,"start":687.75287,"end":691.6929}]}}]},{"alternatives":[{"transcript":"She going? Yep. Good. Thanks. Yeah. I can talk with them, but yep. Uh-huh. Yep. Webster? Yep. Yes. Yeah. I am. Yep. Yeah. It would have been good two months ago. Okay. Yeah. I'll I'll I'll know, but the rating's not. Yep. No. No. No. It was it was more the fact, like, I was just looking at the S and P in The States, so I just felt it was massively overvalued. And and and the the there was a handful of tech companies that were making up such a big proportion of the gains that I thought it was risky. I thought it was just risk. Yeah. Yeah. I I I don't yeah. I don't really wanna do self managed. I I know this I came with you guys because it was a bit more actively managed. And yeah. And it's just a shame because I think I originally contacted you guys back in November or something on the same topic. You know, it's now March, and and and we haven't done anything yet. So Yep. Mhmm. Yep. Okay. Yep. Mhmm. Okay. Yep. Uh-huh. Yep. Yep. Okay. Uh-huh. Yep. Yep. Okay. Yep. Yeah. Yeah. Yeah. Yep. Yep. Yep. Okay. So so so I'll have a read through all that tonight. So what do I if I if I agree with the recommendation, what do I do? Is there something is there a link or something on there? Mhmm. Okay. Okay. Yep. Okay. Cool. Okay. Sorry. I've I've I've got a run. I've got someone waiting for me, but thank you for calling. I'll I'll read that. Yep. That's all good. Sorry. I I've gotta run. Thank 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so so I'll have a read through all that tonight.","start":628.29004,"end":631.27,"sentiment":"neutral","sentiment_score":0.14170147749510678},{"text":"So what do I if I if I agree with the recommendation, what do I do?","start":631.49,"end":635.25,"sentiment":"neutral","sentiment_score":0.054896252462640405}],"sentiment":"neutral","sentiment_score":0.10305818133056163,"num_words":30,"start":603.58,"end":635.25},{"sentences":[{"text":"Is there something is there a link or something on there?","start":635.25,"end":637.83,"sentiment":"neutral","sentiment_score":0.035355145958336914},{"text":"Mhmm.","start":647.98505,"end":648.385,"sentiment":"neutral","sentiment_score":0.06684945523738861},{"text":"Okay.","start":648.385,"end":648.885,"sentiment":"neutral","sentiment_score":0.1234823763370514},{"text":"Okay.","start":667.795,"end":668.295,"sentiment":"neutral","sentiment_score":-0.06141364574432373},{"text":"Yep.","start":672.515,"end":673.015,"sentiment":"neutral","sentiment_score":-0.07040061801671982}],"sentiment":"neutral","sentiment_score":0.029828278223673503,"num_words":15,"start":635.25,"end":673.015},{"sentences":[{"text":"Okay.","start":676.55,"end":677.02997,"sentiment":"neutral","sentiment_score":0.11263297498226166},{"text":"Cool.","start":677.02997,"end":677.52997,"sentiment":"neutral","sentiment_score":0.17839106917381287},{"text":"Okay.","start":677.75,"end":678.23,"sentiment":"neutral","sentiment_score":-0.026908623054623604},{"text":"Sorry.","start":678.23,"end":678.73,"sentiment":"neutral","sentiment_score":-0.19288292527198792},{"text":"I've I've I've got a run.","start":678.79,"end":680.14996,"sentiment":"neutral","sentiment_score":-0.24588490277528763}],"sentiment":"neutral","sentiment_score":-0.14040769208222628,"num_words":10,"start":676.55,"end":680.14996},{"sentences":[{"text":"I've got someone waiting for me, but thank you for calling.","start":680.14996,"end":683.51,"sentiment":"neutral","sentiment_score":0.13180547275326468},{"text":"I'll I'll read that.","start":683.51,"end":684.49,"sentiment":"neutral","sentiment_score":0.0867646150290966},{"text":"Yep.","start":684.79,"end":685.26996,"sentiment":"neutral","sentiment_score":0.04297327995300293},{"text":"That's all good.","start":685.26996,"end":685.91,"sentiment":"neutral","sentiment_score":0.1362981746594111},{"text":"Sorry.","start":685.91,"end":686.31,"sentiment":"neutral","sentiment_score":-0.17172536253929138}],"sentiment":"neutral","sentiment_score":0.10385305508971214,"num_words":20,"start":680.14996,"end":686.31},{"sentences":[{"text":"I I've gotta run.","start":686.31,"end":687.35,"sentiment":"negative","sentiment_score":-0.3355468362569809},{"text":"Thank you.","start":687.35,"end":688.08997,"sentiment":"positive","sentiment_score":0.45098423957824707}],"sentiment":"neutral","sentiment_score":-0.07336981097857158,"num_words":6,"start":686.31,"end":688.08997}]}}]}],"paragraphs":{"transcript":"\nChannel 1: She going?\n\nChannel 0: Good afternoon. Is this Timothy? This is Veronica from Workview Financial. How\n\nChannel 1: Yep.\n\nChannel 0: are you?\n\nChannel 1: Good. Thanks.\n\nChannel 0: That's good. Is now a bit better time for you?\n\nChannel 1: Yeah. I can talk with them, but yep.\n\nChannel 0: Yeah. Okay. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Uh-huh. Yep.\n\nChannel 0: Perfect. And just to confirm I am speaking with the right person, I do have a password on file. Would you know where that might be?\n\nChannel 1: Webster?\n\nChannel 0: Yep. That's the one. Have you had a busy day today?\n\nChannel 1: Yep. Yes.\n\nChannel 0: Well yeah. Well, I will try not to keep you for too long. Are you driving at the moment?\n\nChannel 1: Yeah. I am.\n\nChannel 0: Yep. Okay. Perfect. So what I'll do is I will just very quickly run through some of the main points in the recommendation for you, and then I'll let you have a read over it in your own time when you can actually see the document. I have just emailed it to you, though.\n\nSo when you got home or whenever you do have a moment, like I said, have a look through it. Any questions, let me know. Otherwise, I will try to make it as quick as I can for you.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now it is pretty straightforward today, really. The only thing we're kind of looking at doing is following on from our last conversation where you mentioned that you kind of wanted to look at reducing your risk at the moment from high growth down to about balanced growth aiming for that $70.30 split in asset allocation, and then also looking to reduce the exposure to iShares S and P 500. Does that all ring a bell?\n\nChannel 1: Yeah. It would have been good two months ago.\n\nChannel 0: Yes. Yes. Obviously, a lot that's a lot that's changing and and happening. So I have made a recommendation for you at the moment, which is all in the segment of the time. Now following from\n\nChannel 1: Okay.\n\nChannel 0: our conversation as well, I don't know if you ended up reading a little bit on that estimate concept.\n\nChannel 1: Yeah. I'll I'll I'll know, but the rating's not. Yep.\n\nChannel 0: Yeah. So, obviously, from there, you mentioned that the moment that right now because you haven't had time to obviously done some research and stuff on it, I haven't recommended the SMA. I did consider it as part of the research. I didn't recommend it at the moment because you mentioned that right now not something you are super comfortable with or want to explore\n\nChannel 1: No.\n\nChannel 0: further.\n\nChannel 1: No.\n\nChannel 0: Yeah.\n\nChannel 1: No. It was it was more the fact, like, I was just looking at the S and P in The States, so I just felt it was massively overvalued.\n\nChannel 0: Mhmm.\n\nChannel 1: And and and the the there was a handful of tech companies that were making up such a big proportion of the gains that I thought it was risky. I\n\nChannel 0: Mhmm.\n\nChannel 1: thought it was\n\nChannel 0: Yep.\n\nChannel 1: just risk.\n\nChannel 0: Yep. So it's got so with so the SMA, that's like a self managed account.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: So that\n\nChannel 1: I\n\nChannel 0: is\n\nChannel 1: I I don't yeah. I don't really wanna do self managed. I I know this I came with you guys because it was a bit more actively managed.\n\nChannel 0: yes.\n\nChannel 1: And yeah. And it's just a shame because I think I originally contacted you guys back in November or something on the same topic. You know, it's now March, and\n\nChannel 0: Mhmm. Okay.\n\nChannel 1: and and we haven't done anything yet. So\n\nChannel 0: Yeah. Well, I am sorry that it's taken so long for you. I spoke to you it was only a couple of weeks ago, and it does take a little bit to get the research. But I do apologize that you're going to have someone in November, and that it's taken from November until now because that is quite a long time. So I do apologize that it's taken so long for you.\n\nJust let it be quicker, and I'll make a note as well that, like, I can only service it from when I spoke to you until now. It's been I have prioritized it from, obviously, pulling together all the research as quickly as I can. But, again, obviously, if you did contact someone back in November and did it initiate further, I'll have a look into it as well. But, yeah, it should it should happen faster. And moving forward, I'll make sure that if you're moving forward that it will not take that long to get the research.\n\nTypically, it takes about two weeks or so to pull together or signal advice.\n\nChannel 1: Yep.\n\nChannel 0: But, yeah, obviously, if you spoke to someone in November, that is quite a long time. Yeah. So with the recommendation for you, I have taken in, obviously, your goals into consideration. A lot is just for compliance and to make sure that you are, you know, fully across and aware of everything. I know that you have a pretty good understanding of everything.\n\nLike I said, I'll let you have read over a lot of it today. But what I do wanna point out is the actual recommendation. So when you have a moment, have a look at let's see here. Page 17.\n\nChannel 1: Mhmm.\n\nChannel 0: You will see that this is a big comparison table. So this essentially just puts all, like, the words\n\nChannel 1: Yep.\n\nChannel 0: and everything into a table for you where you can actually see all the calculations and everything like that behind the recommendation. Sometimes that's a\n\nChannel 1: Okay.\n\nChannel 0: bit easier to to see things, but what I have recommended is retaining your hub 24. It's still doing obviously, it's a very good platform. I did look at other competitors as well. I'm just doing research to make sure it's still a competitive option, and it very much is it is very competitive in terms of pricing for other, like, kind of platforms like Macquarie and Netwealth, which you may have heard of. Hub twenty four was a little bit cheaper, and it still gives you the same access to the amount of investments.\n\nSo I very much\n\nChannel 1: Yep.\n\nChannel 0: just recommending keeping you in Hub twenty four and just changing those investments. Now I'm making the change from high growth to balance growth, but then also kind of updating the portfolio for you. When you have a look at it, we will see that the total fee has actually been reduced by about 2,057 roughly just by saving in investment fees and loans. So we have removed some of those more of the management as well as the more expensive and just kind of shifted it to a bit\n\nChannel 1: Mhmm.\n\nChannel 0: more of those defensive investments for you. Now you will see\n\nChannel 1: Okay.\n\nChannel 0: as well that the returns have been included there for you. So the return on your current portfolio, against the recommended has been outlined. And with the recommended so even though we are looking at a lot more defensive investments, They have actually done better than your current portfolio even though the current one is that it is taking a bit more risk obviously being in a high growth portfolio, and it was a bit more concentrated and somatic in different areas. So by\n\nChannel 1: Yep.\n\nChannel 0: making the change, actually, the the historical three year rolling average is about a difference of about 0.23%, which is pretty good given that we are reducing your risk exposure by quite a bit.\n\nChannel 1: Uh-huh.\n\nChannel 0: On page 18, you will see that I've outlined returns a bit more. So I've done twelve months for you. The difference there is eight twenty seven nine currently. It's 15.17 recommended. And then I've done three years comparison as well.\n\nAlso included five and ten year on the recommended portfolio. I couldn't do your\n\nChannel 1: Yep.\n\nChannel 0: current one. Some of the current investments weren't available but I've included a list of recommended so that you can see that for you.\n\nChannel 1: Yep. Okay.\n\nChannel 0: And it's also being kind of projected forward for five and ten years, so you again can see the difference. The one thing I do want to mention as well, because we are obviously selling some of your investments, there will be capital gains tax associated with the change. Now I've tried\n\nChannel 1: Uh-huh.\n\nChannel 0: to make it as little as possible by still obviously making sure we are reducing the risk down to that $70.30 split and specifically\n\nChannel 1: Yep.\n\nChannel 0: reducing the exposure to the iShares S and P 500. So the estimated capital gains tax by doing the change is about 3,943,\n\nChannel 1: Yep. Okay.\n\nChannel 0: and that's all been included in that table for you. So if you see the difference in the balance, that's what that is. That is just the capital gains tax. Just for your reference, if I looked at doing, like, a full sell down of all the investments, because your portfolio from when you came on board have gone up quite a bit as well, the capital gains tax would have been about 10,520. So, obviously, I kinda\n\nChannel 1: Yep.\n\nChannel 0: minimize that for you. So I've got it down through around 394. Obviously, it's kind of an estimate based on when we did the calculation, so it could obviously vary a little bit as it does change,\n\nChannel 1: Yeah. Yeah. Yeah. Yep.\n\nChannel 0: but just so so you are aware. But, essentially, the change in investment, which you can see on page 15 when you do have access to the document, It outlines your current investments, the one we have recommended, the current weight allocation, also the buy and sell. So what you see in red when you have a moment, that's obviously what we are selling. The black is what we are buying, and then the\n\nChannel 1: Yep.\n\nChannel 0: target white. So I'll let you have a look over that. In the appendix, I have included all the investment links as well. So if you do wanna go and have a read over those investments a little bit, it's all\n\nChannel 1: Yep.\n\nChannel 0: there for you. But as just like a brief summary of the portfolio, we've kind of really tried to focus it and towards a more balanced and structured approach. So\n\nChannel 1: Okay.\n\nChannel 0: previous\n\nChannel 1: So so so I'll have a read through all that tonight. So what do I if I if I agree with the recommendation, what do I do?\n\nChannel 0: Yep.\n\nChannel 1: Is there something is there a link or something on there?\n\nChannel 0: Yes. There is. So, basically, when you have a look at the email, you click on the link where it says sign now. Now it will allow you to open the document first before\n\nChannel 1: Mhmm.\n\nChannel 0: it\n\nChannel 1: Okay.\n\nChannel 0: prompts you to sign. So you can have a read over everything. If you are happy with the recommendation, it will then just ask you digitally to sign. It will just sign and date. There is a text box as well that has been included if you would like to make any variations to the advice.\n\nIf you don't\n\nChannel 1: Okay.\n\nChannel 0: wanna make variations, you can just put NA in that box because it won't let you\n\nChannel 1: Yep.\n\nChannel 0: move forward unless you put something in there, essentially.\n\nChannel 1: Okay. Cool.\n\nChannel 0: Yeah.\n\nChannel 1: Okay. Sorry. I've I've I've got a run. I've got someone\n\nChannel 0: No.\n\nChannel 1: waiting\n\nChannel 0: That's\n\nChannel 1: for me,\n\nChannel 0: okay.\n\nChannel 1: but thank you for\n\nChannel 0: Does\n\nChannel 1: calling.\n\nChannel 0: it make\n\nChannel 1: I'll\n\nChannel 0: sense?\n\nChannel 1: I'll read that. Yep.\n\nChannel 0: Yep.\n\nChannel 1: That's all\n\nChannel 0: Yep.\n\nChannel 1: good. Sorry. I I've gotta run. Thank you.\n\nChannel 0: No problem at all. Thank you, Timothy. Bye.","paragraphs":[{"sentences":[{"text":"She going?","start":0.71999997,"end":1.46,"sentiment":"neutral","sentiment_score":0.023733838461339474}],"sentiment":"neutral","sentiment_score":0.023733838461339474,"channel":1,"num_words":2,"start":0.71999997,"end":1.46},{"sentences":[{"text":"Good afternoon.","start":2.08,"end":2.8,"sentiment":"neutral","sentiment_score":0.254029244184494},{"text":"Is this Timothy?","start":2.8,"end":3.6999998,"sentiment":"neutral","sentiment_score":0.11986399938662846},{"text":"This is Veronica from Workview Financial.","start":5.6,"end":7.7599998,"sentiment":"neutral","sentiment_score":0.08874379967649777},{"text":"How","start":7.7599998,"end":8.0,"sentiment":"neutral","sentiment_score":0.11581985652446748}],"sentiment":"neutral","sentiment_score":0.12632776175936064,"channel":0,"num_words":12,"start":2.08,"end":8.0},{"sentences":[{"text":"Yep.","start":8.0,"end":8.5,"sentiment":"neutral","sentiment_score":0.11805333942174911}],"sentiment":"neutral","sentiment_score":0.11805333942174911,"channel":1,"num_words":1,"start":8.0,"end":8.5},{"sentences":[{"text":"are you?","start":8.0,"end":8.66,"sentiment":"neutral","sentiment_score":0.11397004500031471}],"sentiment":"neutral","sentiment_score":0.11397004500031471,"channel":0,"num_words":2,"start":8.0,"end":8.66},{"sentences":[{"text":"Good.","start":9.2,"end":9.5199995,"sentiment":"positive","sentiment_score":0.5473272204399109},{"text":"Thanks.","start":9.5199995,"end":10.0199995,"sentiment":"positive","sentiment_score":0.6228801012039185}],"sentiment":"positive","sentiment_score":0.5851036608219147,"channel":1,"num_words":2,"start":9.2,"end":10.0199995},{"sentences":[{"text":"That's good.","start":10.88,"end":11.94,"sentiment":"positive","sentiment_score":0.6250587403774261},{"text":"Is now a bit better time for you?","start":12.16,"end":14.66,"sentiment":"neutral","sentiment_score":0.24540833570063114}],"sentiment":"neutral","sentiment_score":0.32133841663599017,"channel":0,"num_words":10,"start":10.88,"end":14.66},{"sentences":[{"text":"Yeah.","start":15.385,"end":15.625,"sentiment":"neutral","sentiment_score":0.05143526941537857},{"text":"I can talk with them, but yep.","start":15.625,"end":17.165,"sentiment":"neutral","sentiment_score":0.022943136814449514}],"sentiment":"neutral","sentiment_score":0.026504653389565647,"channel":1,"num_words":8,"start":15.385,"end":17.165},{"sentences":[{"text":"Yeah.","start":17.095001,"end":17.415,"sentiment":"neutral","sentiment_score":0.08588911592960358},{"text":"Okay.","start":17.415,"end":17.895,"sentiment":"neutral","sentiment_score":0.17745763063430786},{"text":"Perfect.","start":17.895,"end":18.395,"sentiment":"positive","sentiment_score":0.36832696199417114},{"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":19.415,"end":26.555,"sentiment":"neutral","sentiment_score":0.048810106862721775}],"sentiment":"neutral","sentiment_score":0.06397396273678169,"channel":0,"num_words":32,"start":17.095001,"end":26.555},{"sentences":[{"text":"Uh-huh.","start":27.385,"end":27.885,"sentiment":"neutral","sentiment_score":0.04304523393511772},{"text":"Yep.","start":28.025,"end":28.525,"sentiment":"neutral","sentiment_score":0.13345065712928772}],"sentiment":"neutral","sentiment_score":0.08824794553220272,"channel":1,"num_words":2,"start":27.385,"end":28.525},{"sentences":[{"text":"Perfect.","start":28.869999,"end":29.369999,"sentiment":"neutral","sentiment_score":0.3263043761253357},{"text":"And just to confirm I am speaking with the right person, I do have a password on file.","start":29.43,"end":34.87,"sentiment":"neutral","sentiment_score":0.08207744732499123},{"text":"Would you know where that might be?","start":34.87,"end":36.489998,"sentiment":"neutral","sentiment_score":0.029185208092842783}],"sentiment":"neutral","sentiment_score":0.0772305724855799,"channel":0,"num_words":26,"start":28.869999,"end":36.489998},{"sentences":[{"text":"Webster?","start":37.59,"end":38.09,"sentiment":"neutral","sentiment_score":0.011455267667770386}],"sentiment":"neutral","sentiment_score":0.011455267667770386,"channel":1,"num_words":1,"start":37.59,"end":38.09},{"sentences":[{"text":"Yep.","start":38.79,"end":39.11,"sentiment":"neutral","sentiment_score":0.02396012842655182},{"text":"That's the one.","start":39.11,"end":40.09,"sentiment":"neutral","sentiment_score":0.023509077727794647},{"text":"Have you had a busy day today?","start":41.03,"end":42.57,"sentiment":"neutral","sentiment_score":-0.007388729602098465}],"sentiment":"neutral","sentiment_score":0.0038878413086587734,"channel":0,"num_words":11,"start":38.79,"end":42.57},{"sentences":[{"text":"Yep.","start":44.295002,"end":44.795002,"sentiment":"neutral","sentiment_score":0.023634139448404312},{"text":"Yes.","start":45.735,"end":46.235,"sentiment":"neutral","sentiment_score":0.03952350094914436}],"sentiment":"neutral","sentiment_score":0.03157882019877434,"channel":1,"num_words":2,"start":44.295002,"end":46.235},{"sentences":[{"text":"Well yeah.","start":46.205,"end":48.065,"sentiment":"neutral","sentiment_score":0.026937135495245457},{"text":"Well, I will try not to keep you for too long.","start":48.205,"end":50.705,"sentiment":"neutral","sentiment_score":-0.035490185699679634},{"text":"Are you driving at the moment?","start":51.965,"end":53.425,"sentiment":"neutral","sentiment_score":-0.016827734497686226}],"sentiment":"neutral","sentiment_score":-0.023025483089058024,"channel":0,"num_words":19,"start":46.205,"end":53.425},{"sentences":[{"text":"Yeah.","start":54.055,"end":54.295002,"sentiment":"neutral","sentiment_score":0.01276133581995964},{"text":"I am.","start":54.295002,"end":55.035004,"sentiment":"neutral","sentiment_score":0.021793645806610584}],"sentiment":"neutral","sentiment_score":0.01878287581106027,"channel":1,"num_words":3,"start":54.055,"end":55.035004},{"sentences":[{"text":"Yep.","start":55.005,"end":55.405,"sentiment":"neutral","sentiment_score":0.05853919684886933},{"text":"Okay.","start":55.405,"end":55.805,"sentiment":"neutral","sentiment_score":0.15753614902496338},{"text":"Perfect.","start":55.805,"end":56.285,"sentiment":"neutral","sentiment_score":0.32037848234176636},{"text":"So what I'll do is I will just very quickly run through some of the main points in the recommendation for you, and then I'll let you have a read over it in your own time when you can actually see the document.","start":56.285,"end":69.009995,"sentiment":"neutral","sentiment_score":0.1725536596982978},{"text":"I have just emailed it to you, though.","start":70.525,"end":72.365005,"sentiment":"neutral","sentiment_score":0.08799775689840317}],"sentiment":"neutral","sentiment_score":0.1603748750079561,"channel":0,"num_words":54,"start":55.005,"end":72.365005},{"sentences":[{"text":"So when you got home or whenever you do have a moment, like I said, have a look through it.","start":72.365005,"end":77.005005,"sentiment":"neutral","sentiment_score":0.11050803922116756},{"text":"Any questions, let me know.","start":77.005005,"end":78.945,"sentiment":"neutral","sentiment_score":0.08164331018924713},{"text":"Otherwise, I will try to make it as quick as I can for 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you.","start":687.35,"end":688.08997,"sentiment":"positive","sentiment_score":0.45098423957824707}],"sentiment":"neutral","sentiment_score":-0.043253395706415176,"channel":1,"num_words":8,"start":685.75,"end":688.08997},{"sentences":[{"text":"No problem at all.","start":687.75287,"end":688.7128,"sentiment":"positive","sentiment_score":0.3652059882879257},{"text":"Thank you, Timothy.","start":688.7128,"end":689.53284,"sentiment":"positive","sentiment_score":0.6484785079956055},{"text":"Bye.","start":691.1929,"end":691.6929,"sentiment":"neutral","sentiment_score":-0.09976159781217576}],"sentiment":"positive","sentiment_score":0.41331223491579294,"channel":0,"num_words":8,"start":687.75287,"end":691.6929}]},"summary":{"result":"success","short":"A Workview Financial representative calls Timothy to discuss reducing risk and decreasing exposure to iShares S and P 500. The customer expresses concern about the length of time it takes to generate advice and the agent explains that the process takes a little time. The agent recommends keeping the customer in Hub 24 and changing their investments, capital gains tax is about 3,748, and provides links to sign and date documents. The speaker also mentions a text box for changes and offers to make variations to the advice."},"intents":{"segments":[{"text":"Is now a bit better time for you? Yeah.","start_word":21,"end_word":29,"intents":[{"intent":"Confirm appointment","confidence_score":0.020263126}]},{"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. Uh-huh.","start_word":40,"end_word":69,"intents":[{"intent":"Discuss call recording","confidence_score":0.01065286},{"intent":"Ensure proper caller for call","confidence_score":2.7376872e-9}]},{"text":"And just to confirm I am speaking with the right person, I do have a password on file. Would you know where that might be? Webster? Yep.","start_word":72,"end_word":98,"intents":[{"intent":"Confirm identity","confidence_score":0.62919617},{"intent":"Confirm understanding","confidence_score":0.07764943},{"intent":"Confirm understanding","confidence_score":0.10072753},{"intent":"Confirm identity","confidence_score":0.058653153},{"intent":"Obtain document","confidence_score":0.00034729682},{"intent":"Confirm understanding","confidence_score":0.08091223}]},{"text":"Have you had a busy day today? Yep. Yes.","start_word":102,"end_word":110,"intents":[{"intent":"Confirm availability","confidence_score":0.02276939}]},{"text":"So what I'll do is I will just very quickly run through some of the main points in the recommendation for you, and then I'll let you have a read over it in your own time when you can actually see the document.","start_word":136,"end_word":178,"intents":[{"intent":"Provide recommendation","confidence_score":0.044852786}]},{"text":"Now it is pretty straightforward today, really. The only thing we're kind of looking at doing is following on from our last conversation where you mentioned that you kind of wanted to look at reducing your risk at the moment from high growth down to about balanced growth aiming for that $70.30 split in asset allocation, and then also looking to reduce the exposure to iShares S and P 500. Does that all ring a bell? Yeah.","start_word":228,"end_word":304,"intents":[{"intent":"Check and discuss risk assessment","confidence_score":2.2612016e-10},{"intent":"Set clear purpose","confidence_score":0.000035324236}]},{"text":"It would have been good two months ago. Yes.","start_word":305,"end_word":313,"intents":[{"intent":"Discuss future contact","confidence_score":0.00025728386}]},{"text":"So I have made a recommendation for you at the moment, which is all in the segment of the time.","start_word":326,"end_word":345,"intents":[{"intent":"Recommend sma","confidence_score":0.4108307},{"intent":"Recommend sma","confidence_score":0.0017587837}]},{"text":"No. It was it was more the fact, like, I was just looking at the S and P in The States, so I just felt it was massively overvalued.","start_word":448,"end_word":476,"intents":[{"intent":"Discuss sma impact","confidence_score":0.0037335225}]},{"text":"And and and the the there was a handful of tech companies that were making up such a big proportion of the gains that I thought it was risky. I Mhmm.","start_word":478,"end_word":508,"intents":[{"intent":"Discuss risk in industry","confidence_score":0.00024228697}]},{"text":"Typically, it takes about two weeks or so to pull together or signal advice. Yep.","start_word":777,"end_word":791,"intents":[{"intent":"Provide research timeline","confidence_score":0.0049229586}]},{"text":"just recommending keeping you in Hub twenty four and just changing those investments.","start_word":1043,"end_word":1055,"intents":[{"intent":"Recommend keeping in hub 24 and implementing changes to the portfolio","confidence_score":4.1533954e-7}]},{"text":"Now I'm making the change from high growth to balance growth, but then also kind of updating the portfolio for you. When you have a look at it, we will see that the total fee has actually been reduced by about 2,057 roughly just by saving in investment fees and loans.","start_word":1056,"end_word":1106,"intents":[{"intent":"Discuss the impact of the new portfolio on the portfolio","confidence_score":0.0001269579}]},{"text":"Obviously, it's kind of an estimate based on when we did the calculation, so it could obviously vary a little bit as it does change, Yeah.","start_word":1542,"end_word":1567,"intents":[{"intent":"Calculate tax impact","confidence_score":0.017720822}]},{"text":"But, essentially, the change in investment, which you can see on page 15 when you do have access to the document, It outlines your current investments, the one we have recommended, the current weight allocation, also the buy and sell.","start_word":1579,"end_word":1618,"intents":[{"intent":"Discuss investment changes","confidence_score":0.020967208}]}]},"sentiments":{"segments":[{"text":"She going? Good afternoon. Is this Timothy? This is Veronica from Workview Financial. How are Yep. you?","start_word":0,"end_word":16,"sentiment":"neutral","sentiment_score":0.11230144649744034},{"text":"Good. Thanks. That's good.","start_word":17,"end_word":20,"sentiment":"positive","sentiment_score":0.6067723035812378},{"text":"Is now a bit better time for you? Yeah. I can talk with them, but yep. Yeah. Okay.","start_word":21,"end_word":38,"sentiment":"neutral","sentiment_score":0.1259348690509796},{"text":"Perfect.","start_word":39,"end_word":39,"sentiment":"positive","sentiment_score":0.36832696199417114},{"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. Uh-huh. Yep. Perfect. And just to confirm I am speaking with the right person, I do have a password on file. Would you know where that might be? Webster? Yep. That's the one. Have you had a busy day today? Yep. Yes. Well yeah. Well, I will try not to keep you for too long. Are you driving at the moment? Yeah. I am. Yep. Okay. Perfect. So what I'll do is I will just very quickly run through some of the main points in the recommendation for you, and then I'll let you have a read over it in your own time when you can actually see the document. I have just emailed it to you, though. So when you got home or whenever you do have a moment, like I said, have a look through it. Any questions, let me know. Otherwise, I will try to make it as quick as I can for you. Yep.","start_word":40,"end_word":226,"sentiment":"neutral","sentiment_score":0.08738873153924942},{"text":"Perfect. Now it is pretty straightforward today, really.","start_word":227,"end_word":234,"sentiment":"positive","sentiment_score":0.40424609184265137},{"text":"The only thing we're kind of looking at doing is following on from our last conversation where you mentioned that you kind of wanted to look at reducing your risk at the moment from high growth down to about balanced growth aiming for that $70.30 split in asset allocation, and then also looking to reduce the exposure to iShares S and P 500. Does that all ring a bell? Yeah. It would have been good two months ago. Yes. Yes. Obviously, a lot that's a lot that's changing and and happening. So I have made a recommendation for you at the moment, which is all in the segment of the time. Now following from Okay. our conversation as well, I don't know if you ended up reading a little bit on that estimate concept. Yeah. I'll I'll I'll know, but the rating's not. Yep. Yeah. So, obviously, from there, you mentioned that the moment that right now because you haven't had time to obviously done some research and stuff on it, I haven't recommended the SMA. I did consider it as part of the research.","start_word":235,"end_word":419,"sentiment":"neutral","sentiment_score":0.0042753239741196505},{"text":"I didn't recommend it at the moment because you mentioned that right now not something you are super comfortable with or want to explore No. further. No. Yeah. No. It was it was more the fact, like, I was just looking at the S and P in The States, so I just felt it was massively overvalued.","start_word":420,"end_word":476,"sentiment":"negative","sentiment_score":-0.5173078775405884},{"text":"Mhmm.","start_word":477,"end_word":477,"sentiment":"neutral","sentiment_score":-0.28210052847862244},{"text":"And and and the the there was a handful of tech companies that were making up such a big proportion of the gains that I thought it was risky.","start_word":478,"end_word":506,"sentiment":"negative","sentiment_score":-0.37705662846565247},{"text":"I Mhmm. thought it was Yep. just risk. Yep. So it's got so with so the SMA, that's like a self managed account. Yeah. Yeah. So that I is I I don't yeah. I don't really wanna do self managed. I I know this I came with you guys because it was a bit more actively managed. yes. And yeah.","start_word":507,"end_word":566,"sentiment":"neutral","sentiment_score":-0.21217630803585052},{"text":"And it's just a shame because I think I originally contacted you guys back in November or something on the same topic.","start_word":567,"end_word":588,"sentiment":"negative","sentiment_score":-0.39856112003326416},{"text":"You know, it's now March, and Mhmm. Okay. and and we haven't done anything yet. So Yeah.","start_word":589,"end_word":605,"sentiment":"neutral","sentiment_score":-0.20169590413570404},{"text":"Well, I am sorry that it's taken so long for you.","start_word":606,"end_word":616,"sentiment":"negative","sentiment_score":-0.42158591747283936},{"text":"I spoke to you it was only a couple of weeks ago, and it does take a little bit to get the research. But I do apologize that you're going to have someone in November, and that it's taken from November until now because that is quite a long time. So I do apologize that it's taken so long for you. Just let it be quicker, and I'll make a note as well that, like, I can only service it from when I spoke to you until now.","start_word":617,"end_word":704,"sentiment":"neutral","sentiment_score":-0.07911258190870285},{"text":"It's been I have prioritized it from, obviously, pulling together all the research as quickly as I can.","start_word":705,"end_word":722,"sentiment":"positive","sentiment_score":0.4483622312545776},{"text":"But, again, obviously, if you did contact someone back in November and did it initiate further, I'll have a look into it as well.","start_word":723,"end_word":746,"sentiment":"neutral","sentiment_score":0.22452159225940704},{"text":"But, yeah, it should it should happen faster. And moving forward, I'll make sure that if you're moving forward that it will not take that long to get the research.","start_word":747,"end_word":776,"sentiment":"positive","sentiment_score":0.48662468791008},{"text":"Typically, it takes about two weeks or so to pull together or signal advice. Yep. But, yeah, obviously, if you spoke to someone in November, that is quite a long time. Yeah. So with the recommendation for you, I have taken in, obviously, your goals into consideration. A lot is just for compliance and to make sure that you are, you know, fully across and aware of everything. I know that you have a pretty good understanding of everything. Like I said, I'll let you have read over a lot of it today. But what I do wanna point out is the actual recommendation. So when you have a moment, have a look at let's see here. Page 17. Mhmm. You will see that this is a big comparison table. So this essentially just puts all, like, the words Yep. and everything into a table for you where you can actually see all the calculations and everything like that behind the recommendation. Sometimes that's a bit Okay. easier to to see things, but what I have recommended is retaining your hub 24.","start_word":777,"end_word":958,"sentiment":"neutral","sentiment_score":0.15109339855856949},{"text":"It's still doing obviously, it's a very good platform. I did look at other competitors as well. I'm just doing research to make sure it's still a competitive option, and it very much is it is very competitive in terms of pricing for other, like, kind of platforms like Macquarie and Netwealth, which you may have heard of. Hub twenty four was a little bit cheaper, and it still gives you the same access to the amount of investments. So I very much Yep.","start_word":959,"end_word":1042,"sentiment":"positive","sentiment_score":0.4846008121967316},{"text":"just recommending keeping you in Hub twenty four and just changing those investments. Now I'm making the change from high growth to balance growth, but then also kind of updating the portfolio for you. When you have a look at it, we will see that the total fee has actually been reduced by about 2,057 roughly just by saving in investment fees and loans. So we have removed some of those more of the management as well as the more expensive and just kind of shifted it to a bit Mhmm. more of those defensive investments for you. Now you will see Okay. as well that the returns have been included there for you. So the return on your current portfolio, against the recommended has been outlined. And with the recommended so even though we are looking at a lot more defensive investments, They have actually done better than your current portfolio even though the current one is that it is taking a bit more risk obviously being in a high growth portfolio, and it was a bit more concentrated and somatic in different areas. So by Yep. making the change, actually, the the historical three year rolling average is about a difference of about 0.23%, which is pretty good given that we are reducing your risk exposure by quite a bit. Uh-huh. On page 18, you will see that I've outlined returns a bit more. So I've done twelve months for you. The difference there is eight twenty seven nine currently. It's 15.17 recommended. And then I've done three years comparison as well. Also included five and ten year on the recommended portfolio. I couldn't do your Yep. current one. Some of the current investments weren't available but I've included a list of recommended so that you can see that for you. Yep. Okay.","start_word":1043,"end_word":1347,"sentiment":"neutral","sentiment_score":0.11216451850582342},{"text":"And it's also being kind of projected forward for five and ten years, so you again can see the difference.","start_word":1348,"end_word":1367,"sentiment":"positive","sentiment_score":0.3341417610645294},{"text":"The one thing I do want to mention as well, because we are obviously selling some of your investments, there will be capital gains tax associated with the change. Now I've tried Uh-huh. to make it as little as possible by still obviously making sure we are reducing the risk down to that $70.30 split and specifically Yep. reducing the exposure to the iShares S and P 500. So the estimated capital gains tax by doing the change is about 3,943, Yep. Okay. and that's all been included in that table for you. So if you see the difference in the balance, that's what that is. That is just the capital gains tax. Just for your reference, if I looked at doing, like, a full sell down of all the investments, because your portfolio from when you came on board have gone up quite a bit as well, the capital gains tax would have been about 10,520. So, obviously, I kinda Yep. minimize that for you. So I've got it down through around 394. Obviously, it's kind of an estimate based on when we did the calculation, so it could obviously vary a little bit as it does change, Yeah. Yeah. Yeah. Yep. but just so so you are aware. But, essentially, the change in investment, which you can see on page 15 when you do have access to the document, It outlines your current investments, the one we have recommended, the current weight allocation, also the buy and sell. So what you see in red when you have a moment, that's obviously what we are selling. The black is what we are buying, and then the Yep. target white. So I'll let you have a look over that. In the appendix, I have included all the investment links as well. So if you do wanna go and have a read over those investments a little bit, it's all Yep.","start_word":1368,"end_word":1687,"sentiment":"neutral","sentiment_score":0.1378845248837024},{"text":"there for you.","start_word":1688,"end_word":1690,"sentiment":"positive","sentiment_score":0.35171404480934143},{"text":"But as just like a brief summary of the portfolio, we've kind of really tried to focus it and towards a more balanced and structured approach. So Okay. previous So so so I'll have a read through all that tonight. So what do I if I if I agree with the recommendation, what do I do? Yep. Is there something is there a link or something on there? Yes. There is. So, basically, when you have a look at the email, you click on the link where it says sign now. Now it will allow you to open the document first before Mhmm. it Okay. prompts you to sign. So you can have a read over everything. If you are happy with the recommendation, it will then just ask you digitally to sign. It will just sign and date. There is a text box as well that has been included if you would like to make any variations to the advice. If you don't Okay. wanna make variations, you can just put NA in that box because it won't let you Yep. move forward unless you put something in there, essentially. Okay. Cool. Yeah. Okay. Sorry. I've I've I've got a run. I've got someone No. waiting That's for me, okay. but thank you for Does calling. it make I'll sense? I'll read that. Yep. Yep. That's all Yep. good. Sorry. I I've gotta run.","start_word":1691,"end_word":1925,"sentiment":"neutral","sentiment_score":0.08551427157635384},{"text":"Thank you. No problem at all. Thank you, Timothy. Bye.","start_word":1926,"end_word":1935,"sentiment":"positive","sentiment_score":0.5007967352867126}],"average":{"sentiment":"neutral","sentiment_score":0.08159865595155344}}}}