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Is now still a good time there for you? All good. Is he are you working today, or do you manage to get today off? Oh, I was trying not to take up too much of your time. I understand you're a very busy man. How did you get time off over Christmas and New Year's at all? That's good. Some downtime to rest and recuperate. That's important. All good, Frank. Look. I do have the advice to send through to you there as well. Before we jump into the call, I do have to let you know our calls are corded recorded for training and quality purposes. Are you happy for me to proceed with that moving forward? Lovely. And as to the security there with you, I will be discussing your personal information. So I need to confirm your full name, your date of birth, and address I should have on file for you. Yep. Yep. Your address. I'm so sorry, Frank. You're right. Beautiful. Thank you so much for that. Now do you happen to have access to your emails at the moment? If you don't, that is absolutely fine. You do? Yep. That's okay. If you want, what I can do is I can send through this DocuSign to you. You're welcome to open it up, and we can go through the document together. Otherwise, if you are a little bit more time, Paul, I'm more than happy to run through those recommendations for you. I'll still send through the email, and you're welcome to look at it later on. What would be your preference? The second one? Yeah. That's absolutely fine. That's not a problem at all. Now, Frank, when we spoke late last year, we did your annual review, and we re sort of looked at everything for you. You had retained, obviously, your Hub twenty four account and also your previous super fund there just to sort of keep your insurances in place. When we sort of spoke about everything, you were happy with the level of cover you have within the Australian super fund. You wanted to keep that there. So we just wanted to go back, make sure everything was working harder for you, and just update the advice and the strategy with the retention there to make sure that we could complete the rollover, keeping some money in your Australian retirement sorry, in your Australian Superfund to keep your insurances in place. So I've gone back and done all that research there for you. Okay? Perfect. Now when you do look at this advice document, just to let you know it has been provided to you under the best interest duty, it's important to note that any advice we do provide is there to in your best interest to make sure we're working towards your goals, and the advice is updated on a regular basis depending on whether your circumstances and goals are updated as well. Okay? With the scoping of the the advice, we have scoping areas of superannuation just making sure that we're retaining those two funds, that it does remain in your best interest, and that we're where your funds are working harder for you because you do have the two super funds there. I've also looked at this making sure the estate planning is considered as well, making sure your beneficiaries are up to date. We have on a limited scope or a limited basis just scoped in the insurances. So this is just because we have had to retain the cover due to your history of diabetes there. It's important to make sure that we are retaining that it does remain appropriate to you and that we are working towards your goals. Having insurance is still important to you. Does that make sense? Yep. And then we've also just scoped out areas of trauma. We did talk about the additional cover, trauma being something you pay out of pocket and what it can cover. You were quite happy not to have trauma, but if you decide down the track you wanna look at that, just let me know. We're more than happy to help you out. Okay? Excellent. Perfect. Now, essentially, jumping into the recommendations to make it easier on you. Essentially, I am recommending that you do retain your Australian super fund there and that you do also retain your hub twenty four fund. Within both of those funds, I did go back and have a really good look at the investments within the funds, and I am recommending we do a bit of an investment switch. When I looked at how the funds were invested between the two funds, there was a bit of discrepancy between how you're invested and your risk profile. And it's important even though we've retained your Australian Super Fund to keep your insurances in place, the money within there should still be working harder for you at the same time. Okay? So within the Australian Super Fund, we are recommending that we remove the remove, sorry, the premixed index diversified investment and put you into a premixed high growth investment fund. We're only gonna retain 10,000 within an Australian super account, and your contributions just need to keep going into that fund better retain your insurances as well. Okay? With the funds in there currently, we are going to move all but 10,000 out into Hub twenty four. We are retaining Hub twenty four, still keeping you in that growth risk profile with 80% in growth investments. That's things like Australian shares, international shares listed property, and some commodities like gold and silver. And then also sort of keeping 20% in defensive investments for things like cash, bonds, and fixed interest. Okay? So within Hub twenty four, when I went back and had a really good look and I know it took a little bit longer to do the research, but there was a bit of a reason for that. So in kind of, like, November, in your hub '24, one of the original investments recommended was the Bennelong Australian Equities. In sort of the November, December, Bennelong had a bit of an issue with one of their underlying investments, corporate travel. I'm not sure if you've seen the news there, but corporate traveler had come out noting they were a bit dishonest. They weren't reporting correctly to their investors. That came out, and it meant that Benelon had to revalue that portion of their investments, which, unfortunately, because they're invested in it, they had some trading halt and some issues there, and it also meant that Bannalung as a whole had been reinvested. So we have noticed that it has been downgraded by analysts as an investment. It's generally not looking great, and it has sort of dragged most people's portfolios down. So as part of the recommendations, I went back to the drawing board to see what else we could do. I am recommending that we sell all of the Bannalong, and we just rebalance your portfolio a little bit. Once we complete the switch, essentially, the investments you'll see in your portfolio will be just battery and lithium tech. We'll have some bank hybrids, which are defensive investments good for cash producing for income. So we'll also have some physical gold, some cyber security, some bonds. Bonds are great for income producing as well on defensive investments. Some S and P 500. We'll also see a bit of property in there, some listed property, and also the Australian 200. So we are looking to diversify it a little bit differently, get rid of that Bennelong investment in there, and just make sure that you are still investing correctly in a growth portfolio, but not having not having that one investment that's been dragging you back a little bit. Does that make sense? Yep. Perfect. I know it's a lot, and I'm very sorry. When you go through the document, you'll see a bit more about what I mean. I do apologize. I don't wanna talk at you. I wanna give you the information. Fantastic. Thank you very much. One of the important things that we do look at is making sure that you're in a portfolio that has been performing well because whilst we don't know how portfolios are gonna perform in the future, past returns are definitely giving us a good indicator of what is good to invest in. When I went back and had a look at how you were invested previously, the five year rolling average had shown a return of about 12.92%. So the recommended portfolio was still in line with that growth asset allocation, but the past so the five year rolling average has actually shown about 15.13%. So, also, by no means expected to get that return over the next five years every single year, it's essentially showing you what the portfolio can and has done in the past and can is yeah. It can put you on a greater track for better returns moving forward. Okay? Perfect. So, essentially, with this one here, it's just about retaining those two super funds. We'll move all the funds out of Australian Super all but 10,000, just leaving at 10,000 in there. You keep your contributions going into Australian Super. The rest will be invested in Hub twenty four, and we'll just alter those portfolios between AustralianSuper and Hub twenty four to make sure you're fully in line with how you should be invested. Does that make sense? Yep. Yeah. Perfect. As I mentioned, this is retaining the insurances that you do have in place there, but we'll keep chatting about those moving forward just making sure that you are do continue, sorry, to be invested correctly, making sure that, you know, everything's all in line, and we'll keep reviewing things for you. It is important to note that having insurances in your super does have an impact on your long term goals. So while we're not recommending any new insurances, there you are still paying for those insurance premiums out of your super. And when you look at the document on page 20 there, it does essentially show you the outcome, what could be expected over the next ten years by paying insurance premiums out of your super as opposed to if you were not paying insurance premiums out of your super. Okay? All good. Yeah. Absolutely. And it's still important to have that level of cover as well, especially, you know, you've got the diabetes. Your health has been really good from everything that we've sort of talked about, but it's still important to have that level of cover that gives you a little bit of backup in the event that something was to happen. Okay. Yeah. All good. The last important thing to talk about is the estate planning side of things. So it's important to note that I have factored this into the advice. We just wanna make sure that your beneficiaries between AustralianSuper and Hub twenty four are in line with your wishes. When we spoke last time, you mentioned that was important to have all the funds paid to Erica if in the event that something was to happen to you. So we will go back and just double check the beneficiaries, make sure they are in line with Australian Super. They do allow a a binding beneficiary nomination. However, it does have to be updated every sort of couple of years. So we'll make sure that that is applied. If it's not, I'll get the team to apply that for you. With hub twenty four, we'll make sure you have a binding, non lapsing beneficiary nomination. So it essentially means that you by binding the nomination, you're binding the trustee to follow your direction. And then a non lapsing never has to be filled out again unless you change your wishes. So it's always good to have as little paperwork moving forward as possible, and that's essentially what that allows you to do. But we will get those beneficiaries set up for you. I'll get the team to prefill them with the details if you're comfortable for us to do so, and we can have those sent out to you as well to make sure they're signed, sealed, and delivered, and every order and the either all dotted and the t's are all costing you super funds there as well. Does that make sense? Yeah. Beautiful. I do also have in here I have outlined the advantages, disadvantages, and risks involved. Obviously, having a look and altering your portfolio, it does certainly put you on a greater track. As long as the portfolio reacts the way has in the past, it can put you on track to be able to meet your goals. And we'll make sure we review this. You have a lot longer ahead of you than ten years, so we'll make sure we review things with you regularly and update your advice to reflect as your goals change because you still got a lot of working life ahead of you. It doesn't feel like it, but you definitely do. It changes very quickly, doesn't it? No. All all good. The disadvantages are that, obviously, we do understand and expect that there are capital gains consequences for making the change in the portfolio, and we have taken that effect into the changes. So, essentially, by changing the portfolio there, we do estimate with the changes in Bennelong and how it has sort of been down a little bit. The estimated CGT consequences for the update of your portfolio is estimated at $235 based on our rate. Okay? So very small. Yeah. All good. What I will do is I will let you go back and have a bit of a read through that one. I've sent it through. So it'll be in your inbox when you get some time to read it over. Please let me know if there's any questions that you have or anything that you wanted to update. I've also got on the very back page a little line. So if you go through the advice and you decide you don't wanna take on all of it, you just write on the back line on the bottom line, so what you don't wish to proceed with, and that's absolutely fine. I've also added in there a smart recommendation that you guys do speak to a solicitor and have a will and a power of attorney drawn up. It is really important that beneficiaries will look after what's happening with your super insurances, but all of your other assets outside of super are also important to take into account and having a power of attorney drawn up. So in the event that you're not able to make your decisions, that somebody else knows what those decisions are and knows what you want them to do on your behalf, it's really important to make sure those are updated for you as well. Okay? All good. The good thing is the advice is provided all completely free of charge for you. We don't charge anything for updating advice. It's our job to make sure everything works for you in line with your goals and the best interest. So there's no implementation fees payable. There's no remuneration on the insurances because they are within the Australian Superfund, and you are an ongoing client. So you just pay the 1.65% per annum adviser fee, and your annual annual review will be coming up again soon. So we'll run through and look at any changes that we need to make down the track for you as well. Does that make sense? Yeah. Beautiful. It's a nice easy one at the moment. I know I've sort of said a lot. There's a lot to go through, and you'll get to read it. It'll make a lot more sense when you see it there in print. But do you have any questions for me in relation to anything that I've gone through for you? No? Yeah. Well, we can when we go through it, it'll it'll be nice and easy to implement as well. Essentially, you'll just sign the advice documents, send it back. Our team will do the investment switch for you and organize the rollover from AustralianSuper. When it comes to the switch within AustralianSuper, we might need you to help us with the forms. We'll get the forms sorted. You sign them, and then we will try to send them off to them. Sometimes they request that you send them off, but we'll help you out with that as much as possible. We'll make sure your contributions are directed to Australian Super and continue to do so, and then we'll get the beneficiaries done up. And we can send you the details for our local solicitor that we can refer you through to if you need to as well. Okay. Yeah. It's completely up to you guys. We just give you the details and let you decide whether or not you wanna go through it or not. It's just a just an option. But I also just say, when it comes to estate planning, if you do have a local solicitor or someone you have dealt with in the past, it is always wise to go back and have a chat to them because this is your estate planning. Doing up a will is quite sensitive. So having someone you trust to go through those sorts of things is really important. Yeah. Yep. Beautiful. Well, I will let you go through and have a read through that one there, Frank. And if you find you have any questions, you just let me know. Okay? K. You see. Beautiful. Thank you so much for your time today. I'll let you go so you can enjoy your day, and just let me know if there's anything else you need or any in relation to it at all. My pleasure. You have a wonderful day. Thanks for your time, Frank. 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Frank. It's Dana from Oakview Financial. How are you today? I'm very well. Thank you.\n\nI had you booked in to just go through your updated statement of advice. Is now still a good time there for you? All good. Is he are you working today, or do you manage to get today off? Oh, I was trying not to take up too much of your time.\n\nI understand you're a very busy man. How did you get time off over Christmas and New Year's at all? That's good. Some downtime to rest and recuperate. That's important.\n\nAll good, Frank. Look. I do have the advice to send through to you there as well. Before we jump into the call, I do have to let you know our calls are corded recorded for training and quality purposes. Are you happy for me to proceed with that moving forward?\n\nLovely. And as to the security there with you, I will be discussing your personal information. So I need to confirm your full name, your date of birth, and address I should have on file for you. Yep. Yep.\n\nYour address. I'm so sorry, Frank. You're right. Beautiful. Thank you so much for that.\n\nNow do you happen to have access to your emails at the moment? If you don't, that is absolutely fine. You do? Yep. That's okay.\n\nIf you want, what I can do is I can send through this DocuSign to you. You're welcome to open it up, and we can go through the document together. Otherwise, if you are a little bit more time, Paul, I'm more than happy to run through those recommendations for you. I'll still send through the email, and you're welcome to look at it later on. What would be your preference?\n\nThe second one? Yeah. That's absolutely fine. That's not a problem at all. Now, Frank, when we spoke late last year, we did your annual review, and we re sort of looked at everything for you.\n\nYou had retained, obviously, your Hub twenty four account and also your previous super fund there just to sort of keep your insurances in place. When we sort of spoke about everything, you were happy with the level of cover you have within the Australian super fund. You wanted to keep that there. So we just wanted to go back, make sure everything was working harder for you, and just update the advice and the strategy with the retention there to make sure that we could complete the rollover, keeping some money in your Australian retirement sorry, in your Australian Superfund to keep your insurances in place. So I've gone back and done all that research there for you.\n\nOkay? Perfect. Now when you do look at this advice document, just to let you know it has been provided to you under the best interest duty, it's important to note that any advice we do provide is there to in your best interest to make sure we're working towards your goals, and the advice is updated on a regular basis depending on whether your circumstances and goals are updated as well. Okay? With the scoping of the the advice, we have scoping areas of superannuation just making sure that we're retaining those two funds, that it does remain in your best interest, and that we're where your funds are working harder for you because you do have the two super funds there.\n\nI've also looked at this making sure the estate planning is considered as well, making sure your beneficiaries are up to date. We have on a limited scope or a limited basis just scoped in the insurances. So this is just because we have had to retain the cover due to your history of diabetes there. It's important to make sure that we are retaining that it does remain appropriate to you and that we are working towards your goals. Having insurance is still important to you.\n\nDoes that make sense? Yep. And then we've also just scoped out areas of trauma. We did talk about the additional cover, trauma being something you pay out of pocket and what it can cover. You were quite happy not to have trauma, but if you decide down the track you wanna look at that, just let me know.\n\nWe're more than happy to help you out. Okay? Excellent. Perfect. Now, essentially, jumping into the recommendations to make it easier on you.\n\nEssentially, I am recommending that you do retain your Australian super fund there and that you do also retain your hub twenty four fund. Within both of those funds, I did go back and have a really good look at the investments within the funds, and I am recommending we do a bit of an investment switch. When I looked at how the funds were invested between the two funds, there was a bit of discrepancy between how you're invested and your risk profile. And it's important even though we've retained your Australian Super Fund to keep your insurances in place, the money within there should still be working harder for you at the same time. Okay?\n\nSo within the Australian Super Fund, we are recommending that we remove the remove, sorry, the premixed index diversified investment and put you into a premixed high growth investment fund. We're only gonna retain 10,000 within an Australian super account, and your contributions just need to keep going into that fund better retain your insurances as well. Okay? With the funds in there currently, we are going to move all but 10,000 out into Hub twenty four. We are retaining Hub twenty four, still keeping you in that growth risk profile with 80% in growth investments.\n\nThat's things like Australian shares, international shares listed property, and some commodities like gold and silver. And then also sort of keeping 20% in defensive investments for things like cash, bonds, and fixed interest. Okay? So within Hub twenty four, when I went back and had a really good look and I know it took a little bit longer to do the research, but there was a bit of a reason for that. So in kind of, like, November, in your hub '24, one of the original investments recommended was the Bennelong Australian Equities.\n\nIn sort of the November, December, Bennelong had a bit of an issue with one of their underlying investments, corporate travel. I'm not sure if you've seen the news there, but corporate traveler had come out noting they were a bit dishonest. They weren't reporting correctly to their investors. That came out, and it meant that Benelon had to revalue that portion of their investments, which, unfortunately, because they're invested in it, they had some trading halt and some issues there, and it also meant that Bannalung as a whole had been reinvested. So we have noticed that it has been downgraded by analysts as an investment.\n\nIt's generally not looking great, and it has sort of dragged most people's portfolios down. So as part of the recommendations, I went back to the drawing board to see what else we could do. I am recommending that we sell all of the Bannalong, and we just rebalance your portfolio a little bit. Once we complete the switch, essentially, the investments you'll see in your portfolio will be just battery and lithium tech. We'll have some bank hybrids, which are defensive investments good for cash producing for income.\n\nSo we'll also have some physical gold, some cyber security, some bonds. Bonds are great for income producing as well on defensive investments. Some S and P 500. We'll also see a bit of property in there, some listed property, and also the Australian 200. So we are looking to diversify it a little bit differently, get rid of that Bennelong investment in there, and just make sure that you are still investing correctly in a growth portfolio, but not having not having that one investment that's been dragging you back a little bit.\n\nDoes that make sense? Yep. Perfect. I know it's a lot, and I'm very sorry. When you go through the document, you'll see a bit more about what I mean.\n\nI do apologize. I don't wanna talk at you. I wanna give you the information. Fantastic. Thank you very much.\n\nOne of the important things that we do look at is making sure that you're in a portfolio that has been performing well because whilst we don't know how portfolios are gonna perform in the future, past returns are definitely giving us a good indicator of what is good to invest in. When I went back and had a look at how you were invested previously, the five year rolling average had shown a return of about 12.92%. So the recommended portfolio was still in line with that growth asset allocation, but the past so the five year rolling average has actually shown about 15.13%. So, also, by no means expected to get that return over the next five years every single year, it's essentially showing you what the portfolio can and has done in the past and can is yeah. It can put you on a greater track for better returns moving forward.\n\nOkay? Perfect. So, essentially, with this one here, it's just about retaining those two super funds. We'll move all the funds out of Australian Super all but 10,000, just leaving at 10,000 in there. You keep your contributions going into Australian Super.\n\nThe rest will be invested in Hub twenty four, and we'll just alter those portfolios between AustralianSuper and Hub twenty four to make sure you're fully in line with how you should be invested. Does that make sense? Yep. Yeah. Perfect.\n\nAs I mentioned, this is retaining the insurances that you do have in place there, but we'll keep chatting about those moving forward just making sure that you are do continue, sorry, to be invested correctly, making sure that, you know, everything's all in line, and we'll keep reviewing things for you. It is important to note that having insurances in your super does have an impact on your long term goals. So while we're not recommending any new insurances, there you are still paying for those insurance premiums out of your super. And when you look at the document on page 20 there, it does essentially show you the outcome, what could be expected over the next ten years by paying insurance premiums out of your super as opposed to if you were not paying insurance premiums out of your super. Okay?\n\nAll good. Yeah. Absolutely. And it's still important to have that level of cover as well, especially, you know, you've got the diabetes. Your health has been really good from everything that we've sort of talked about, but it's still important to have that level of cover that gives you a little bit of backup in the event that something was to happen.\n\nOkay. Yeah. All good. The last important thing to talk about is the estate planning side of things. So it's important to note that I have factored this into the advice.\n\nWe just wanna make sure that your beneficiaries between AustralianSuper and Hub twenty four are in line with your wishes. When we spoke last time, you mentioned that was important to have all the funds paid to Erica if in the event that something was to happen to you. So we will go back and just double check the beneficiaries, make sure they are in line with Australian Super. They do allow a a binding beneficiary nomination. However, it does have to be updated every sort of couple of years.\n\nSo we'll make sure that that is applied. If it's not, I'll get the team to apply that for you. With hub twenty four, we'll make sure you have a binding, non lapsing beneficiary nomination. So it essentially means that you by binding the nomination, you're binding the trustee to follow your direction. And then a non lapsing never has to be filled out again unless you change your wishes.\n\nSo it's always good to have as little paperwork moving forward as possible, and that's essentially what that allows you to do. But we will get those beneficiaries set up for you. I'll get the team to prefill them with the details if you're comfortable for us to do so, and we can have those sent out to you as well to make sure they're signed, sealed, and delivered, and every order and the either all dotted and the t's are all costing you super funds there as well. Does that make sense? Yeah.\n\nBeautiful. I do also have in here I have outlined the advantages, disadvantages, and risks involved. Obviously, having a look and altering your portfolio, it does certainly put you on a greater track. As long as the portfolio reacts the way has in the past, it can put you on track to be able to meet your goals. And we'll make sure we review this.\n\nYou have a lot longer ahead of you than ten years, so we'll make sure we review things with you regularly and update your advice to reflect as your goals change because you still got a lot of working life ahead of you. It doesn't feel like it, but you definitely do. It changes very quickly, doesn't it? No. All all good.\n\nThe disadvantages are that, obviously, we do understand and expect that there are capital gains consequences for making the change in the portfolio, and we have taken that effect into the changes. So, essentially, by changing the portfolio there, we do estimate with the changes in Bennelong and how it has sort of been down a little bit. The estimated CGT consequences for the update of your portfolio is estimated at $235 based on our rate. Okay? So very small.\n\nYeah. All good. What I will do is I will let you go back and have a bit of a read through that one. I've sent it through. So it'll be in your inbox when you get some time to read it over.\n\nPlease let me know if there's any questions that you have or anything that you wanted to update. I've also got on the very back page a little line. So if you go through the advice and you decide you don't wanna take on all of it, you just write on the back line on the bottom line, so what you don't wish to proceed with, and that's absolutely fine. I've also added in there a smart recommendation that you guys do speak to a solicitor and have a will and a power of attorney drawn up. It is really important that beneficiaries will look after what's happening with your super insurances, but all of your other assets outside of super are also important to take into account and having a power of attorney drawn up.\n\nSo in the event that you're not able to make your decisions, that somebody else knows what those decisions are and knows what you want them to do on your behalf, it's really important to make sure those are updated for you as well. Okay? All good. The good thing is the advice is provided all completely free of charge for you. We don't charge anything for updating advice.\n\nIt's our job to make sure everything works for you in line with your goals and the best interest. So there's no implementation fees payable. There's no remuneration on the insurances because they are within the Australian Superfund, and you are an ongoing client. So you just pay the 1.65% per annum adviser fee, and your annual annual review will be coming up again soon. So we'll run through and look at any changes that we need to make down the track for you as well.\n\nDoes that make sense? Yeah. Beautiful. It's a nice easy one at the moment. I know I've sort of said a lot.\n\nThere's a lot to go through, and you'll get to read it. It'll make a lot more sense when you see it there in print. But do you have any questions for me in relation to anything that I've gone through for you? No? Yeah.\n\nWell, we can when we go through it, it'll it'll be nice and easy to implement as well. Essentially, you'll just sign the advice documents, send it back. Our team will do the investment switch for you and organize the rollover from AustralianSuper. When it comes to the switch within AustralianSuper, we might need you to help us with the forms. We'll get the forms sorted.\n\nYou sign them, and then we will try to send them off to them. Sometimes they request that you send them off, but we'll help you out with that as much as possible. We'll make sure your contributions are directed to Australian Super and continue to do so, and then we'll get the beneficiaries done up. And we can send you the details for our local solicitor that we can refer you through to if you need to as well. Okay.\n\nYeah. It's completely up to you guys. We just give you the details and let you decide whether or not you wanna go through it or not. It's just a just an option. But I also just say, when it comes to estate planning, if you do have a local solicitor or someone you have dealt with in the past, it is always wise to go back and have a chat to them because this is your estate planning.\n\nDoing up a will is quite sensitive. So having someone you trust to go through those sorts of things is really important. Yeah. Yep. Beautiful.\n\nWell, I will let you go through and have a read through that one there, Frank. And if you find you have any questions, you just let me know. Okay? K. You see.\n\nBeautiful. Thank you so much for your time today. I'll let you go so you can enjoy your day, and just let me know if there's anything else you need or any in relation to it at all. My pleasure. You have a wonderful day.\n\nThanks for your time, Frank. See you later.","paragraphs":[{"sentences":[{"text":"Hi, Frank.","start":6.3199997,"end":6.8799996,"sentiment":"neutral","sentiment_score":0.15992900729179382},{"text":"It's Dana from Oakview Financial.","start":6.8799996,"end":8.639999,"sentiment":"neutral","sentiment_score":0.23270216286182405},{"text":"How are you today?","start":8.639999,"end":9.62,"sentiment":"neutral","sentiment_score":0.2570885196328163},{"text":"I'm very well.","start":11.679999,"end":12.559999,"sentiment":"positive","sentiment_score":0.5796770850817362},{"text":"Thank you.","start":12.559999,"end":12.96,"sentiment":"positive","sentiment_score":0.6652211248874664}],"sentiment":"positive","sentiment_score":0.34882477577775717,"num_words":16,"start":6.3199997,"end":12.96},{"sentences":[{"text":"I had you booked in to just go through your updated statement of advice.","start":12.96,"end":15.884999,"sentiment":"neutral","sentiment_score":0.2966267541050911},{"text":"Is now still a good time there for you?","start":15.884999,"end":19.645,"sentiment":"neutral","sentiment_score":0.2536364760663774},{"text":"All good.","start":19.645,"end":20.385,"sentiment":"neutral","sentiment_score":0.3069462552666664},{"text":"Is he are you working today, or do you manage to get today off?","start":21.005,"end":24.064999,"sentiment":"neutral","sentiment_score":0.034191960868026526},{"text":"Oh, I was trying not to take up too much of your time.","start":26.605,"end":29.005,"sentiment":"neutral","sentiment_score":-0.16533863716400587}],"sentiment":"neutral","sentiment_score":0.10343616387735192,"num_words":52,"start":12.96,"end":29.005},{"sentences":[{"text":"I understand you're a very busy man.","start":29.005,"end":30.605,"sentiment":"neutral","sentiment_score":-0.11469048793826785},{"text":"How did you get time off over Christmas and New Year's at all?","start":30.605,"end":33.64,"sentiment":"neutral","sentiment_score":-0.035581009749036566},{"text":"That's good.","start":36.579998,"end":37.379997,"sentiment":"neutral","sentiment_score":0.3078771382570267},{"text":"Some downtime to rest and recuperate.","start":37.379997,"end":39.239998,"sentiment":"neutral","sentiment_score":0.05770447663962841},{"text":"That's important.","start":39.46,"end":40.199997,"sentiment":"neutral","sentiment_score":0.08864139392971992}],"sentiment":"neutral","sentiment_score":-0.004204087269802888,"num_words":30,"start":29.005,"end":40.199997},{"sentences":[{"text":"All good, Frank.","start":42.98,"end":44.025,"sentiment":"positive","sentiment_score":0.405145784219106},{"text":"Look.","start":44.345,"end":44.505,"sentiment":"neutral","sentiment_score":0.2937386631965637},{"text":"I do have the advice to send through to you there as well.","start":44.505,"end":47.305,"sentiment":"neutral","sentiment_score":0.1902686391885464},{"text":"Before we jump into the call, I do have to let you know our calls are corded recorded for training and quality purposes.","start":47.305,"end":52.505,"sentiment":"neutral","sentiment_score":0.09767268824836482},{"text":"Are you happy for me to proceed with that moving forward?","start":52.505,"end":54.925003,"sentiment":"neutral","sentiment_score":0.1960334533994848}],"sentiment":"neutral","sentiment_score":0.16442172828258253,"num_words":51,"start":42.98,"end":54.925003},{"sentences":[{"text":"Lovely.","start":56.600002,"end":57.0,"sentiment":"positive","sentiment_score":0.33340391516685486},{"text":"And as to the security there with you, I will be discussing your personal information.","start":57.0,"end":60.28,"sentiment":"neutral","sentiment_score":0.0959332878390948},{"text":"So I need to confirm your full name, your date of birth, and address I should have on file for you.","start":60.28,"end":64.62,"sentiment":"neutral","sentiment_score":0.07917946985080129},{"text":"Yep.","start":67.8,"end":68.3,"sentiment":"neutral","sentiment_score":0.02123919129371643},{"text":"Yep.","start":72.355,"end":72.855,"sentiment":"neutral","sentiment_score":0.021603070199489594}],"sentiment":"neutral","sentiment_score":0.08917985541316178,"num_words":39,"start":56.600002,"end":72.855},{"sentences":[{"text":"Your address.","start":75.395004,"end":76.115005,"sentiment":"neutral","sentiment_score":0.001171204959973693},{"text":"I'm so sorry, Frank.","start":76.115005,"end":77.15501,"sentiment":"neutral","sentiment_score":-0.018964196555316448},{"text":"You're right.","start":77.15501,"end":77.975006,"sentiment":"neutral","sentiment_score":0.009931369684636593},{"text":"Beautiful.","start":82.450005,"end":82.93,"sentiment":"neutral","sentiment_score":0.27463382482528687},{"text":"Thank you so much for that.","start":82.93,"end":84.21,"sentiment":"positive","sentiment_score":0.4040532161792119}],"sentiment":"neutral","sentiment_score":0.1763534323312342,"num_words":15,"start":75.395004,"end":84.21},{"sentences":[{"text":"Now do you happen to have access to your emails at the moment?","start":84.21,"end":86.93,"sentiment":"neutral","sentiment_score":0.06908910520947896},{"text":"If you don't, that is absolutely fine.","start":86.93,"end":88.950005,"sentiment":"neutral","sentiment_score":0.01013603141265256},{"text":"You do?","start":91.73,"end":92.37,"sentiment":"neutral","sentiment_score":-0.001042904332280159},{"text":"Yep.","start":92.37,"end":92.87,"sentiment":"neutral","sentiment_score":0.07099398970603943},{"text":"That's okay.","start":93.305,"end":94.025,"sentiment":"neutral","sentiment_score":0.1277102455496788}],"sentiment":"neutral","sentiment_score":0.05173757039010525,"num_words":25,"start":84.21,"end":94.025},{"sentences":[{"text":"If you want, what I can do is I can send through this DocuSign to you.","start":94.025,"end":97.065,"sentiment":"neutral","sentiment_score":0.12566922837868333},{"text":"You're welcome to open it up, and we can go through the document together.","start":97.065,"end":100.925,"sentiment":"neutral","sentiment_score":0.23379603986229217},{"text":"Otherwise, if you are a little bit more time, Paul, I'm more than happy to run through those recommendations for you.","start":101.065,"end":105.865,"sentiment":"neutral","sentiment_score":0.23859161812634694},{"text":"I'll still send through the email, and you're welcome to look at it later on.","start":105.865,"end":108.990005,"sentiment":"neutral","sentiment_score":0.26984427372614544},{"text":"What would be your preference?","start":108.990005,"end":110.450005,"sentiment":"neutral","sentiment_score":0.1009150892496109}],"sentiment":"neutral","sentiment_score":0.20910585556231753,"num_words":71,"start":94.025,"end":110.450005},{"sentences":[{"text":"The second one?","start":112.590004,"end":113.65,"sentiment":"neutral","sentiment_score":0.05308769022425016},{"text":"Yeah.","start":114.19,"end":114.51,"sentiment":"neutral","sentiment_score":0.28438055515289307},{"text":"That's absolutely fine.","start":114.51,"end":115.950005,"sentiment":"positive","sentiment_score":0.6154213349024454},{"text":"That's not a problem at all.","start":115.950005,"end":117.65,"sentiment":"positive","sentiment_score":0.5765230854352316},{"text":"Now, Frank, when we spoke late last year, we did your annual review, and we re sort of looked at everything for you.","start":117.79,"end":122.865,"sentiment":"neutral","sentiment_score":0.16607465854157571}],"sentiment":"neutral","sentiment_score":0.26579898026668364,"num_words":36,"start":112.590004,"end":122.865},{"sentences":[{"text":"You had retained, obviously, your Hub twenty four account and also your previous super fund there just to sort of keep your insurances in place.","start":122.865,"end":130.405,"sentiment":"neutral","sentiment_score":0.1751864531636238},{"text":"When we sort of spoke about everything, you were happy with the level of cover you have within the Australian super fund.","start":130.625,"end":135.585,"sentiment":"neutral","sentiment_score":0.32733556763692334},{"text":"You wanted to keep that there.","start":135.585,"end":136.92,"sentiment":"positive","sentiment_score":0.3367008219162623},{"text":"So we just wanted to go back, make sure everything was working harder for you, and just update the advice and the strategy with the retention there to make sure that we could complete the rollover, keeping some money in your Australian retirement sorry, in your Australian Superfund to keep your insurances in place.","start":136.92,"end":152.41501,"sentiment":"neutral","sentiment_score":0.22132451666726005},{"text":"So I've gone back and done all that research there for you.","start":152.41501,"end":155.13501,"sentiment":"neutral","sentiment_score":0.2228358785311381}],"sentiment":"neutral","sentiment_score":0.23720002681517802,"num_words":119,"start":122.865,"end":155.13501},{"sentences":[{"text":"Okay?","start":155.13501,"end":155.63501,"sentiment":"neutral","sentiment_score":0.1685265302658081},{"text":"Perfect.","start":156.41501,"end":156.91501,"sentiment":"positive","sentiment_score":0.5226837396621704},{"text":"Now when you do look at this advice document, just to let you know it has been provided to you under the best interest duty, it's important to note that any advice we do provide is there to in your best interest to make sure we're working towards your goals, and the advice is updated on a regular basis depending on whether your circumstances and goals are updated as well.","start":157.455,"end":175.23,"sentiment":"neutral","sentiment_score":0.13601135547672},{"text":"Okay?","start":175.23,"end":175.73,"sentiment":"neutral","sentiment_score":0.08852455019950867},{"text":"With the scoping of the the advice, we have scoping areas of superannuation just making sure that we're retaining those two funds, that it does remain in your best interest, and that we're where your funds are working harder for you because you do have the two super funds there.","start":176.90999,"end":189.905,"sentiment":"neutral","sentiment_score":0.12303315155208111}],"sentiment":"neutral","sentiment_score":0.1337576201715605,"num_words":123,"start":155.13501,"end":189.905},{"sentences":[{"text":"I've also looked at this making sure the estate planning is considered as well, making sure your beneficiaries are up to date.","start":190.445,"end":197.01,"sentiment":"neutral","sentiment_score":0.1043667620555921},{"text":"We have on a limited scope or a limited basis just scoped in the insurances.","start":197.81,"end":202.39,"sentiment":"neutral","sentiment_score":-0.03204287638266881},{"text":"So this is just because we have had to retain the cover due to your history of diabetes there.","start":202.61,"end":208.23,"sentiment":"neutral","sentiment_score":-0.08329411537239426},{"text":"It's important to make sure that we are retaining that it does remain appropriate to you and that we are working towards your goals.","start":208.37,"end":214.185,"sentiment":"neutral","sentiment_score":0.1759914724777142},{"text":"Having insurance is still important to you.","start":214.185,"end":216.345,"sentiment":"neutral","sentiment_score":0.10513954290321895}],"sentiment":"neutral","sentiment_score":0.05968516743902502,"num_words":87,"start":190.445,"end":216.345},{"sentences":[{"text":"Does that make sense?","start":216.345,"end":217.405,"sentiment":"neutral","sentiment_score":0.06772814225405455},{"text":"Yep.","start":217.70499,"end":218.20499,"sentiment":"neutral","sentiment_score":0.048783160746097565},{"text":"And then we've also just scoped out areas of trauma.","start":218.50499,"end":221.22499,"sentiment":"neutral","sentiment_score":0.027561514265835287},{"text":"We did talk about the additional cover, trauma being something you pay out of pocket and what it can cover.","start":221.22499,"end":226.78,"sentiment":"neutral","sentiment_score":0.03405385129153728},{"text":"You were quite happy not to have trauma, but if you decide down the track you wanna look at that, just let me know.","start":226.84001,"end":231.72,"sentiment":"neutral","sentiment_score":0.3209966340412696}],"sentiment":"neutral","sentiment_score":0.15220859517359128,"num_words":59,"start":216.345,"end":231.72},{"sentences":[{"text":"We're more than happy to help you out.","start":231.72,"end":233.64,"sentiment":"positive","sentiment_score":0.7285849750041962},{"text":"Okay?","start":233.64,"end":234.14,"sentiment":"neutral","sentiment_score":0.24901646375656128},{"text":"Excellent.","start":235.515,"end":236.015,"sentiment":"positive","sentiment_score":0.6851710081100464},{"text":"Perfect.","start":236.155,"end":236.655,"sentiment":"positive","sentiment_score":0.6659350395202637},{"text":"Now, essentially, jumping into the recommendations to make it easier on you.","start":236.875,"end":240.655,"sentiment":"neutral","sentiment_score":0.26667841399709385}],"sentiment":"positive","sentiment_score":0.4621279686689377,"num_words":23,"start":231.72,"end":240.655},{"sentences":[{"text":"Essentially, I am recommending that you do retain your Australian super fund there and that you do also retain your hub twenty four fund.","start":241.195,"end":248.095,"sentiment":"neutral","sentiment_score":0.13356562269230685},{"text":"Within both of those funds, I did go back and have a really good look at the investments within the funds, and I am recommending we do a bit of an investment switch.","start":248.45001,"end":256.31,"sentiment":"neutral","sentiment_score":0.07931042101347086},{"text":"When I looked at how the funds were invested between the two funds, there was a bit of discrepancy between how you're invested and your risk profile.","start":256.61002,"end":263.985,"sentiment":"neutral","sentiment_score":-0.13219162435443313},{"text":"And it's important even though we've retained your Australian Super Fund to keep your insurances in place, the money within there should still be working harder for you at the same time.","start":264.205,"end":272.76498,"sentiment":"neutral","sentiment_score":-0.08823621761985123},{"text":"Okay?","start":272.76498,"end":273.26498,"sentiment":"neutral","sentiment_score":-0.034271061420440674}],"sentiment":"neutral","sentiment_score":-0.005163974741585234,"num_words":117,"start":241.195,"end":273.26498},{"sentences":[{"text":"So within the Australian Super Fund, we are recommending that we remove the remove, sorry, the premixed index diversified investment and put you into a premixed high growth investment fund.","start":274.38,"end":285.735,"sentiment":"neutral","sentiment_score":-0.048029578166703384},{"text":"We're only gonna retain 10,000 within an Australian super account, and your contributions just need to keep going into that fund better retain your insurances as well.","start":285.81497,"end":294.69498,"sentiment":"neutral","sentiment_score":0.04703723211531286},{"text":"Okay?","start":294.69498,"end":295.19498,"sentiment":"neutral","sentiment_score":0.019174138084053993},{"text":"With the funds in there currently, we are going to move all but 10,000 out into Hub twenty four.","start":296.215,"end":301.64,"sentiment":"neutral","sentiment_score":0.055372020523799095},{"text":"We are retaining Hub twenty four, still keeping you in that growth risk profile with 80% in growth investments.","start":301.64,"end":307.90002,"sentiment":"neutral","sentiment_score":0.1275799478355207}],"sentiment":"neutral","sentiment_score":0.03462895269816121,"num_words":96,"start":274.38,"end":307.90002},{"sentences":[{"text":"That's things like Australian shares, international shares listed property, and some commodities like gold and silver.","start":308.44,"end":313.98,"sentiment":"neutral","sentiment_score":0.08897164138033986},{"text":"And then also sort of keeping 20% in defensive investments for things like cash, bonds, and fixed interest.","start":314.275,"end":320.215,"sentiment":"neutral","sentiment_score":0.10659396772583325},{"text":"Okay?","start":320.275,"end":320.775,"sentiment":"neutral","sentiment_score":0.05317456275224686},{"text":"So within Hub twenty four, when I went back and had a really good look and I know it took a little bit longer to do the research, but there was a bit of a reason for that.","start":322.115,"end":329.49,"sentiment":"neutral","sentiment_score":0.024997482370389134},{"text":"So in kind of, like, November, in your hub '24, one of the original investments recommended was the Bennelong Australian Equities.","start":329.49,"end":336.47,"sentiment":"neutral","sentiment_score":0.04161535469549043}],"sentiment":"neutral","sentiment_score":0.0555238193891784,"num_words":94,"start":308.44,"end":336.47},{"sentences":[{"text":"In sort of the November, December, Bennelong had a bit of an issue with one of their underlying investments, corporate travel.","start":337.09,"end":343.25,"sentiment":"neutral","sentiment_score":-0.16067041190607206},{"text":"I'm not sure if you've seen the news there, but corporate traveler had come out noting they were a bit dishonest.","start":343.25,"end":348.185,"sentiment":"negative","sentiment_score":-0.3669420001762254},{"text":"They weren't reporting correctly to their investors.","start":348.185,"end":350.205,"sentiment":"negative","sentiment_score":-0.5241190280233111},{"text":"That came out, and it meant that Benelon had to revalue that portion of their investments, which, unfortunately, because they're invested in it, they had some trading halt and some issues there, and it also meant that Bannalung as a whole had been reinvested.","start":350.66498,"end":363.4,"sentiment":"negative","sentiment_score":-0.3938200297680768},{"text":"So we have noticed that it has been downgraded by analysts as an investment.","start":363.62,"end":368.04,"sentiment":"negative","sentiment_score":-0.4793310527290617}],"sentiment":"negative","sentiment_score":-0.36249915792423987,"num_words":107,"start":337.09,"end":368.04},{"sentences":[{"text":"It's generally not looking great, and it has sort of dragged most people's portfolios down.","start":368.66,"end":373.335,"sentiment":"negative","sentiment_score":-0.6261781771977742},{"text":"So as part of the recommendations, I went back to the drawing board to see what else we could do.","start":373.335,"end":378.315,"sentiment":"neutral","sentiment_score":-0.0982557475566864},{"text":"I am recommending that we sell all of the Bannalong, and we just rebalance your portfolio a little bit.","start":378.615,"end":383.995,"sentiment":"neutral","sentiment_score":0.16929333696239873},{"text":"Once we complete the switch, essentially, the investments you'll see in your portfolio will be just battery and lithium tech.","start":384.375,"end":391.33002,"sentiment":"neutral","sentiment_score":0.1510384116321802},{"text":"We'll have some bank hybrids, which are defensive investments good for cash producing for income.","start":391.55002,"end":396.37003,"sentiment":"neutral","sentiment_score":0.23414086600144704}],"sentiment":"neutral","sentiment_score":-0.018071157125274788,"num_words":89,"start":368.66,"end":396.37003},{"sentences":[{"text":"So we'll also have some physical gold, some cyber security, some bonds.","start":396.51,"end":401.455,"sentiment":"neutral","sentiment_score":0.18414362892508507},{"text":"Bonds are great for income producing as well on defensive investments.","start":401.455,"end":404.835,"sentiment":"positive","sentiment_score":0.34259679642590607},{"text":"Some S and P 500.","start":405.455,"end":406.995,"sentiment":"neutral","sentiment_score":0.10246580392122269},{"text":"We'll also see a bit of property in there, some listed property, and also the Australian 200.","start":407.215,"end":411.935,"sentiment":"neutral","sentiment_score":0.09740292324739344},{"text":"So we are looking to diversify it a little bit differently, get rid of that Bennelong investment in there, and just make sure that you are still investing correctly in a growth portfolio, but not having not having that one investment that's been dragging you back a little bit.","start":411.935,"end":427.64502,"sentiment":"neutral","sentiment_score":-0.021726883947849274}],"sentiment":"neutral","sentiment_score":0.0753388266931189,"num_words":94,"start":396.51,"end":427.64502},{"sentences":[{"text":"Does that make sense?","start":427.64502,"end":428.70502,"sentiment":"neutral","sentiment_score":-0.0014400957152247429},{"text":"Yep.","start":430.20502,"end":430.52502,"sentiment":"neutral","sentiment_score":0.1246139258146286},{"text":"Perfect.","start":430.52502,"end":431.02502,"sentiment":"positive","sentiment_score":0.558513343334198},{"text":"I know it's a lot, and I'm very sorry.","start":431.405,"end":433.08502,"sentiment":"neutral","sentiment_score":-0.016483395877811644},{"text":"When you go through the document, you'll see a bit more about what I mean.","start":433.08502,"end":436.125,"sentiment":"neutral","sentiment_score":-0.033108312139908475}],"sentiment":"neutral","sentiment_score":0.0010797213762998585,"num_words":30,"start":427.64502,"end":436.125},{"sentences":[{"text":"I do apologize.","start":436.125,"end":437.02502,"sentiment":"neutral","sentiment_score":-0.17973082760969797},{"text":"I don't wanna talk at you.","start":437.24503,"end":438.445,"sentiment":"neutral","sentiment_score":-0.17898215229312578},{"text":"I wanna give you the information.","start":438.445,"end":439.905,"sentiment":"neutral","sentiment_score":-0.04647841428716978},{"text":"Fantastic.","start":442.87,"end":443.37,"sentiment":"positive","sentiment_score":0.7583970427513123},{"text":"Thank you very much.","start":443.50998,"end":444.88998,"sentiment":"positive","sentiment_score":0.7694860398769379}],"sentiment":"neutral","sentiment_score":0.09721926599740982,"num_words":20,"start":436.125,"end":444.88998},{"sentences":[{"text":"One of the important things that we do look at is making sure that you're in a portfolio that has been performing well because whilst we don't know how portfolios are gonna perform in the future, past returns are definitely giving us a good indicator of what is good to invest in.","start":445.19,"end":458.885,"sentiment":"positive","sentiment_score":0.3424438037551366},{"text":"When I went back and had a look at how you were invested previously, the five year rolling average had shown a return of about 12.92%.","start":459.025,"end":467.75998,"sentiment":"neutral","sentiment_score":0.22593289671035913},{"text":"So the recommended portfolio was still in line with that growth asset allocation, but the past so the five year rolling average has actually shown about 15.13%.","start":467.75998,"end":478.15997,"sentiment":"neutral","sentiment_score":0.29661331077416736},{"text":"So, also, by no means expected to get that return over the next five years every single year, it's essentially showing you what the portfolio can and has done in the past and can is yeah.","start":478.15997,"end":489.815,"sentiment":"positive","sentiment_score":0.36108604694406193},{"text":"It can put you on a greater track for better returns moving forward.","start":489.815,"end":494.155,"sentiment":"positive","sentiment_score":0.6374111313086289}],"sentiment":"positive","sentiment_score":0.3439956811534894,"num_words":154,"start":445.19,"end":494.155},{"sentences":[{"text":"Okay?","start":494.215,"end":494.715,"sentiment":"neutral","sentiment_score":0.25505614280700684},{"text":"Perfect.","start":496.01,"end":496.51,"sentiment":"positive","sentiment_score":0.4792294502258301},{"text":"So, essentially, with this one here, it's just about retaining those two super funds.","start":496.89,"end":500.57,"sentiment":"neutral","sentiment_score":0.21810711920261383},{"text":"We'll move all the funds out of Australian Super all but 10,000, just leaving at 10,000 in there.","start":500.57,"end":506.01,"sentiment":"neutral","sentiment_score":0.16861376042167345},{"text":"You keep your contributions going into Australian Super.","start":506.01,"end":508.905,"sentiment":"neutral","sentiment_score":0.2336486205458641}],"sentiment":"neutral","sentiment_score":0.20695290271015393,"num_words":42,"start":494.215,"end":508.905},{"sentences":[{"text":"The rest will be invested in Hub twenty four, and we'll just alter those portfolios between AustralianSuper and Hub twenty four to make sure you're fully in line with how you should be invested.","start":508.985,"end":518.845,"sentiment":"neutral","sentiment_score":0.18752449466025128},{"text":"Does that make sense?","start":519.065,"end":520.125,"sentiment":"neutral","sentiment_score":0.12946009263396263},{"text":"Yep.","start":520.505,"end":521.005,"sentiment":"neutral","sentiment_score":0.0390169695019722},{"text":"Yeah.","start":522.15,"end":522.65,"sentiment":"neutral","sentiment_score":0.27167272567749023},{"text":"Perfect.","start":522.71,"end":523.21,"sentiment":"neutral","sentiment_score":-0.026324724778532985}],"sentiment":"neutral","sentiment_score":0.17507410144842253,"num_words":41,"start":508.985,"end":523.21},{"sentences":[{"text":"As I mentioned, this is retaining the insurances that you do have in place there, but we'll keep chatting about those moving forward just making sure that you are do continue, sorry, to be invested correctly, making sure that, you know, everything's all in line, and we'll keep reviewing things for you.","start":524.07,"end":539.27496,"sentiment":"neutral","sentiment_score":0.26482031465722966},{"text":"It is important to note that having insurances in your super does have an impact on your long term goals.","start":540.055,"end":545.415,"sentiment":"neutral","sentiment_score":0.051871707290411},{"text":"So while we're not recommending any new insurances, there you are still paying for those insurance premiums out of your super.","start":545.415,"end":551.115,"sentiment":"neutral","sentiment_score":-0.028984230366491136},{"text":"And when you look at the document on page 20 there, it does essentially show you the outcome, what could be expected over the next ten years by paying insurance premiums out of your super as opposed to if you were not paying insurance premiums out of your super.","start":551.24,"end":564.54,"sentiment":"neutral","sentiment_score":0.17094920651645076},{"text":"Okay?","start":564.6,"end":565.1,"sentiment":"neutral","sentiment_score":0.14663532376289368}],"sentiment":"neutral","sentiment_score":0.15889907771578202,"num_words":143,"start":524.07,"end":565.1},{"sentences":[{"text":"All good.","start":566.315,"end":567.05505,"sentiment":"positive","sentiment_score":0.6195334792137146},{"text":"Yeah.","start":572.315,"end":572.815,"sentiment":"positive","sentiment_score":0.472683310508728},{"text":"Absolutely.","start":573.195,"end":573.695,"sentiment":"positive","sentiment_score":0.6451997756958008},{"text":"And it's still important to have that level of cover as well, especially, you know, you've got the diabetes.","start":573.995,"end":578.575,"sentiment":"positive","sentiment_score":0.40309430580390126},{"text":"Your health has been really good from everything that we've sort of talked about, but it's still important to have that level of cover that gives you a little bit of backup in the event that something was to happen.","start":578.715,"end":587.03,"sentiment":"positive","sentiment_score":0.38665616884827614}],"sentiment":"positive","sentiment_score":0.40447600966408137,"num_words":63,"start":566.315,"end":587.03},{"sentences":[{"text":"Okay.","start":587.09,"end":587.59,"sentiment":"neutral","sentiment_score":0.1651988923549652},{"text":"Yeah.","start":588.93,"end":589.43,"sentiment":"positive","sentiment_score":0.3498317301273346},{"text":"All good.","start":589.57,"end":590.39,"sentiment":"positive","sentiment_score":0.48030170798301697},{"text":"The last important thing to talk about is the estate planning side of things.","start":590.85,"end":594.37,"sentiment":"neutral","sentiment_score":0.1382770761847496},{"text":"So it's important to note that I have factored this into the advice.","start":594.37,"end":597.76495,"sentiment":"neutral","sentiment_score":0.15840495377779007}],"sentiment":"neutral","sentiment_score":0.17647669368213223,"num_words":31,"start":587.09,"end":597.76495},{"sentences":[{"text":"We just wanna make sure that your beneficiaries between AustralianSuper and Hub twenty four are in line with your wishes.","start":597.76495,"end":604.185,"sentiment":"neutral","sentiment_score":0.24886226952075957},{"text":"When we spoke last time, you mentioned that was important to have all the funds paid to Erica if in the event that something was to happen to you.","start":604.485,"end":611.14496,"sentiment":"neutral","sentiment_score":0.17083734993276925},{"text":"So we will go back and just double check the beneficiaries, make sure they are in line with Australian Super.","start":611.39996,"end":616.68,"sentiment":"neutral","sentiment_score":0.2556937403976917},{"text":"They do allow a a binding beneficiary nomination.","start":616.68,"end":619.66,"sentiment":"neutral","sentiment_score":0.21485605090856552},{"text":"However, it does have to be updated every sort of couple of years.","start":619.72,"end":622.83997,"sentiment":"neutral","sentiment_score":0.048211826441379696}],"sentiment":"neutral","sentiment_score":0.19323339441584217,"num_words":90,"start":597.76495,"end":622.83997},{"sentences":[{"text":"So we'll make sure that that is applied.","start":622.83997,"end":624.975,"sentiment":"neutral","sentiment_score":0.09150675672572106},{"text":"If it's not, I'll get the team to apply that for you.","start":624.975,"end":627.795,"sentiment":"neutral","sentiment_score":-0.020882293737183016},{"text":"With hub twenty four, we'll make sure you have a binding, non lapsing beneficiary nomination.","start":627.855,"end":632.355,"sentiment":"neutral","sentiment_score":0.21035772562026978},{"text":"So it essentially means that you by binding the nomination, you're binding the trustee to follow your direction.","start":632.575,"end":638.115,"sentiment":"neutral","sentiment_score":0.24199246201250288},{"text":"And then a non lapsing never has to be filled out again unless you change your wishes.","start":638.78,"end":643.2,"sentiment":"neutral","sentiment_score":0.17884687509606867}],"sentiment":"neutral","sentiment_score":0.1576156229445977,"num_words":70,"start":622.83997,"end":643.2},{"sentences":[{"text":"So it's always good to have as little paperwork moving forward as possible, and that's essentially what that allows you to do.","start":643.26,"end":651.26,"sentiment":"positive","sentiment_score":0.5276574844663794},{"text":"But we will get those beneficiaries set up for you.","start":651.26,"end":653.705,"sentiment":"positive","sentiment_score":0.467265659570694},{"text":"I'll get the team to prefill them with the details if you're comfortable for us to do so, and we can have those sent out to you as well to make sure they're signed, sealed, and delivered, and every order and the either all dotted and the t's are all costing you super funds there as well.","start":653.705,"end":667.95,"sentiment":"positive","sentiment_score":0.39423264981361855},{"text":"Does that make sense?","start":667.95,"end":669.49,"sentiment":"neutral","sentiment_score":0.14874820411205292},{"text":"Yeah.","start":669.63,"end":670.13,"sentiment":"neutral","sentiment_score":0.3282248377799988}],"sentiment":"positive","sentiment_score":0.4220808505060825,"num_words":94,"start":643.26,"end":670.13},{"sentences":[{"text":"Beautiful.","start":670.59,"end":671.09,"sentiment":"positive","sentiment_score":0.5923908948898315},{"text":"I do also have in here I have outlined the advantages, disadvantages, and risks involved.","start":672.43,"end":676.99,"sentiment":"neutral","sentiment_score":0.04660491496324539},{"text":"Obviously, having a look and altering your portfolio, it does certainly put you on a greater track.","start":676.99,"end":681.71,"sentiment":"positive","sentiment_score":0.457126671777052},{"text":"As long as the portfolio reacts the way has in the past, it can put you on track to be able to meet your goals.","start":681.71,"end":687.375,"sentiment":"positive","sentiment_score":0.6067630529403687},{"text":"And we'll make sure we review this.","start":687.375,"end":688.815,"sentiment":"neutral","sentiment_score":0.2829541138240269}],"sentiment":"positive","sentiment_score":0.4032672793819354,"num_words":65,"start":670.59,"end":688.815},{"sentences":[{"text":"You have a lot longer ahead of you than ten years, so we'll make sure we review things with you regularly and update your advice to reflect as your goals change because you still got a lot of working life ahead of you.","start":688.815,"end":700.07996,"sentiment":"neutral","sentiment_score":0.2910373077489609},{"text":"It doesn't feel like it, but you definitely do.","start":700.07996,"end":702.98,"sentiment":"neutral","sentiment_score":0.08165267896321085},{"text":"It changes very quickly, doesn't it?","start":706.56,"end":708.74,"sentiment":"neutral","sentiment_score":0.04215866948167483},{"text":"No.","start":712.975,"end":713.295,"sentiment":"neutral","sentiment_score":-0.17401725053787231},{"text":"All all good.","start":713.295,"end":714.275,"sentiment":"neutral","sentiment_score":-0.12678289910157522}],"sentiment":"neutral","sentiment_score":0.20883974859551077,"num_words":62,"start":688.815,"end":714.275},{"sentences":[{"text":"The disadvantages are that, obviously, we do understand and expect that there are capital gains consequences for making the change in the portfolio, and we have taken that effect into the changes.","start":714.575,"end":724.77,"sentiment":"negative","sentiment_score":-0.33441462041810155},{"text":"So, essentially, by changing the portfolio there, we do estimate with the changes in Bennelong and how it has sort of been down a little bit.","start":724.77,"end":731.83,"sentiment":"neutral","sentiment_score":-0.08233316242694855},{"text":"The estimated CGT consequences for the update of your portfolio is estimated at $235 based on our rate.","start":731.97,"end":739.425,"sentiment":"neutral","sentiment_score":-0.05959416263633304},{"text":"Okay?","start":739.665,"end":740.165,"sentiment":"neutral","sentiment_score":0.013803394511342049},{"text":"So very small.","start":740.225,"end":741.205,"sentiment":"neutral","sentiment_score":0.14278811464707056}],"sentiment":"neutral","sentiment_score":-0.1684057158185169,"num_words":80,"start":714.575,"end":741.205},{"sentences":[{"text":"Yeah.","start":741.58496,"end":742.08496,"sentiment":"neutral","sentiment_score":0.17603446543216705},{"text":"All good.","start":742.225,"end":742.96497,"sentiment":"positive","sentiment_score":0.5342629253864288},{"text":"What I will do is I will let you go back and have a bit of a read through that one.","start":743.985,"end":747.745,"sentiment":"neutral","sentiment_score":0.1682509985708055},{"text":"I've sent it through.","start":747.745,"end":749.125,"sentiment":"neutral","sentiment_score":0.14819811657071114},{"text":"So it'll be in your inbox when you get some time to read it over.","start":749.745,"end":752.81006,"sentiment":"neutral","sentiment_score":0.21433047751585643}],"sentiment":"neutral","sentiment_score":0.19966467244680539,"num_words":43,"start":741.58496,"end":752.81006},{"sentences":[{"text":"Please let me know if there's any questions that you have or anything that you wanted to update.","start":752.81006,"end":756.83,"sentiment":"neutral","sentiment_score":0.23454363892475763},{"text":"I've also got on the very back page a little line.","start":757.21,"end":759.77,"sentiment":"neutral","sentiment_score":0.10720144957304001},{"text":"So if you go through the advice and you decide you don't wanna take on all of it, you just write on the back line on the bottom line, so what you don't wish to proceed with, and that's absolutely fine.","start":759.77,"end":768.935,"sentiment":"neutral","sentiment_score":-0.003359399826788321},{"text":"I've also added in there a smart recommendation that you guys do speak to a solicitor and have a will and a power of attorney drawn up.","start":769.475,"end":776.19495,"sentiment":"neutral","sentiment_score":0.1615110942059093},{"text":"It is really important that beneficiaries will look after what's happening with your super insurances, but all of your other assets outside of super are also important to take into account and having a power of attorney drawn up.","start":776.19495,"end":787.67,"sentiment":"neutral","sentiment_score":0.1269929873255583}],"sentiment":"neutral","sentiment_score":0.107182294869905,"num_words":136,"start":752.81006,"end":787.67},{"sentences":[{"text":"So in the event that you're not able to make your decisions, that somebody else knows what those decisions are and knows what you want them to do on your behalf, it's really important to make sure those are updated for you as well.","start":787.67,"end":798.745,"sentiment":"neutral","sentiment_score":0.11031412443315441},{"text":"Okay?","start":798.745,"end":799.245,"sentiment":"neutral","sentiment_score":0.07510578632354736},{"text":"All good.","start":801.38495,"end":802.125,"sentiment":"positive","sentiment_score":0.4587882459163666},{"text":"The good thing is the advice is provided all completely free of charge for you.","start":802.26495,"end":806.02496,"sentiment":"positive","sentiment_score":0.5282207349936168},{"text":"We don't charge anything for updating advice.","start":806.02496,"end":807.865,"sentiment":"neutral","sentiment_score":0.3222609204905374}],"sentiment":"neutral","sentiment_score":0.23225566987758098,"num_words":69,"start":787.67,"end":807.865},{"sentences":[{"text":"It's our job to make sure everything works for you in line with your goals and the best interest.","start":807.865,"end":812.185,"sentiment":"positive","sentiment_score":0.5842427956430536},{"text":"So there's no implementation fees payable.","start":812.185,"end":814.83,"sentiment":"neutral","sentiment_score":0.24366080512603125},{"text":"There's no remuneration on the insurances because they are within the Australian Superfund, and you are an ongoing client.","start":814.83,"end":820.99,"sentiment":"neutral","sentiment_score":0.32145532808805766},{"text":"So you just pay the 1.65% per annum adviser fee, and your annual annual review will be coming up again soon.","start":820.99,"end":827.47,"sentiment":"neutral","sentiment_score":0.25106235841910046},{"text":"So we'll run through and look at any changes that we need to make down the track for you as well.","start":827.47,"end":832.745,"sentiment":"neutral","sentiment_score":0.2500965396563212}],"sentiment":"positive","sentiment_score":0.33947169815385064,"num_words":86,"start":807.865,"end":832.745},{"sentences":[{"text":"Does that make sense?","start":832.805,"end":833.945,"sentiment":"neutral","sentiment_score":0.15640921518206596},{"text":"Yeah.","start":834.565,"end":835.065,"sentiment":"neutral","sentiment_score":0.18244899809360504},{"text":"Beautiful.","start":835.60504,"end":836.085,"sentiment":"neutral","sentiment_score":0.2719363868236542},{"text":"It's a nice easy one at the moment.","start":836.085,"end":837.92505,"sentiment":"positive","sentiment_score":0.825194887816906},{"text":"I know I've sort of said a lot.","start":837.92505,"end":839.205,"sentiment":"neutral","sentiment_score":0.22876165620982647}],"sentiment":"positive","sentiment_score":0.43234884535724466,"num_words":22,"start":832.805,"end":839.205},{"sentences":[{"text":"There's a lot to go through, and you'll get to read it.","start":839.205,"end":841.125,"sentiment":"neutral","sentiment_score":0.18934387589494386},{"text":"It'll make a lot more sense when you see it there in print.","start":841.125,"end":843.865,"sentiment":"neutral","sentiment_score":0.28004819040115064},{"text":"But do you have any questions for me in relation to anything that I've gone through for you?","start":844.06,"end":848.96,"sentiment":"neutral","sentiment_score":0.082170769572258},{"text":"No?","start":850.78,"end":851.28,"sentiment":"neutral","sentiment_score":-0.12313172221183775},{"text":"Yeah.","start":853.18005,"end":853.66003,"sentiment":"neutral","sentiment_score":0.07465814054012299}],"sentiment":"neutral","sentiment_score":0.16318562792407143,"num_words":45,"start":839.205,"end":853.66003},{"sentences":[{"text":"Well, we can when we go through it, it'll it'll be nice and easy to implement as well.","start":853.66003,"end":858.06,"sentiment":"neutral","sentiment_score":0.3191579174664285},{"text":"Essentially, you'll just sign the advice documents, send it back.","start":858.06,"end":860.845,"sentiment":"neutral","sentiment_score":0.11458235904574395},{"text":"Our team will do the investment switch for you and organize the rollover from AustralianSuper.","start":860.845,"end":865.02496,"sentiment":"neutral","sentiment_score":0.16806768476963044},{"text":"When it comes to the switch within AustralianSuper, we might need you to help us with the forms.","start":865.96497,"end":870.365,"sentiment":"neutral","sentiment_score":0.10371275535888141},{"text":"We'll get the forms sorted.","start":870.365,"end":871.64496,"sentiment":"neutral","sentiment_score":0.09867802411317825}],"sentiment":"neutral","sentiment_score":0.17836213777914192,"num_words":66,"start":853.66003,"end":871.64496},{"sentences":[{"text":"You sign them, and then we will try to send them off to them.","start":871.64496,"end":874.8,"sentiment":"neutral","sentiment_score":0.07453871411936623},{"text":"Sometimes they request that you send them off, but we'll help you out with that as much as possible.","start":874.8,"end":879.06,"sentiment":"neutral","sentiment_score":0.12468241959025986},{"text":"We'll make sure your contributions are directed to Australian Super and continue to do so, and then we'll get the beneficiaries done up.","start":880.32,"end":886.935,"sentiment":"neutral","sentiment_score":0.21329023786213086},{"text":"And we can send you the details for our local solicitor that we can refer you through to if you need to as well.","start":886.935,"end":892.375,"sentiment":"neutral","sentiment_score":0.15833659997830787},{"text":"Okay.","start":892.375,"end":892.875,"sentiment":"neutral","sentiment_score":0.07514320313930511}],"sentiment":"neutral","sentiment_score":0.15053586473251568,"num_words":81,"start":871.64496,"end":892.875},{"sentences":[{"text":"Yeah.","start":895.09503,"end":895.59503,"sentiment":"neutral","sentiment_score":0.16016602516174316},{"text":"It's completely up to you guys.","start":895.895,"end":897.495,"sentiment":"neutral","sentiment_score":0.21651877711216608},{"text":"We just give you the details and let you decide whether or not you wanna go through it or not.","start":897.495,"end":901.62,"sentiment":"neutral","sentiment_score":0.1482808567583561},{"text":"It's just a just an option.","start":902.16,"end":903.84,"sentiment":"neutral","sentiment_score":0.12930081163843474},{"text":"But I also just say, when it comes to estate planning, if you do have a local solicitor or someone you have dealt with in the past, it is always wise to go back and have a chat to them because this is your estate planning.","start":903.84,"end":913.70496,"sentiment":"neutral","sentiment_score":0.0002445815050083658}],"sentiment":"neutral","sentiment_score":0.06597406888687157,"num_words":79,"start":895.09503,"end":913.70496},{"sentences":[{"text":"Doing up a will is quite sensitive.","start":913.70496,"end":915.485,"sentiment":"neutral","sentiment_score":-0.1660614311695099},{"text":"So having someone you trust to go through those sorts of things is really important.","start":915.70496,"end":919.805,"sentiment":"neutral","sentiment_score":0.012543422977129619},{"text":"Yeah.","start":920.26495,"end":920.76495,"sentiment":"neutral","sentiment_score":0.05344940721988678},{"text":"Yep.","start":921.70496,"end":922.20496,"sentiment":"neutral","sentiment_score":0.03570761904120445},{"text":"Beautiful.","start":923.14496,"end":923.64496,"sentiment":"positive","sentiment_score":0.4407700002193451}],"sentiment":"neutral","sentiment_score":-0.017774065881967546,"num_words":25,"start":913.70496,"end":923.64496},{"sentences":[{"text":"Well, I will let you go through and have a read through that one there, Frank.","start":923.865,"end":927.16003,"sentiment":"neutral","sentiment_score":0.13222763501107693},{"text":"And if you find you have any questions, you just let me know.","start":927.16003,"end":930.28,"sentiment":"neutral","sentiment_score":0.03998685613847696},{"text":"Okay?","start":930.28,"end":930.78,"sentiment":"neutral","sentiment_score":0.04937122389674187},{"text":"K.","start":932.52,"end":932.76,"sentiment":"neutral","sentiment_score":0.1411243975162506},{"text":"You see.","start":932.76,"end":933.42004,"sentiment":"neutral","sentiment_score":0.1249144896864891}],"sentiment":"neutral","sentiment_score":0.09320593608373945,"num_words":33,"start":923.865,"end":933.42004},{"sentences":[{"text":"Beautiful.","start":933.72003,"end":934.22003,"sentiment":"positive","sentiment_score":0.7237023115158081},{"text":"Thank you so much for your time today.","start":934.44,"end":936.36005,"sentiment":"positive","sentiment_score":0.7920263335108757},{"text":"I'll let you go so you can enjoy your day, and just let me know if there's anything else you need or any in relation to it at all.","start":936.36005,"end":942.955,"sentiment":"neutral","sentiment_score":0.2870964055945133},{"text":"My pleasure.","start":947.6069,"end":948.40686,"sentiment":"positive","sentiment_score":0.7536858022212982},{"text":"You have a wonderful day.","start":948.40686,"end":949.8669,"sentiment":"positive","sentiment_score":0.7716007232666016}],"sentiment":"positive","sentiment_score":0.4611351991693179,"num_words":45,"start":933.72003,"end":949.8669},{"sentences":[{"text":"Thanks for your time, Frank.","start":952.0869,"end":953.5469,"sentiment":"positive","sentiment_score":0.7001946330070495},{"text":"See you later.","start":954.2469,"end":955.0669,"sentiment":"neutral","sentiment_score":0.1823287084698677}],"sentiment":"positive","sentiment_score":0.5059949113056064,"num_words":8,"start":952.0869,"end":955.0669}]}}]},{"alternatives":[{"transcript":"Hello? Frank speaking. Hello? I'm good. How are you? Yeah. That's fine. Yep. All good. No. I'm working today. Yeah. You got a little bit of time off. It was good. Yeah. Yeah. That's it. Yeah. That's fine. Yep. It's Frank James, and it's 1982. Yep. And what else did you me? Yeah. 11 Millman Drive, Craigley, Queensland. Yeah. No. I do have access. But yeah. Yeah. Probably that. Yeah. I'll go through it a bit later. Yeah. Yep. Yep. Okay. Yep. Yep. Yep. Yep. Yep. Yep. Yeah. No worries. Yep. Yep. Okay. Okay. Yep. Yep. Okay. Yep. Okay. Yep. Okay. Yep. Okay. Yep. Okay. Yep. Yep. Yeah. Yeah. Yeah. No. That's alright. You're explaining it you're explaining it very well. So yeah. Yep. Yep. Yep. Okay. Yep. Yep. Yeah. No. That's yeah. That makes sense. Yep. Okay. Okay. Yeah. Yeah. To me yeah. For me, it's, I think, just easier coming out of the super. I don't have to worry about it. That's fair. Yeah. Yeah. That's right. Yes. Yes. Yeah. Okay. Okay. Yep. Yeah. Okay. Yep. Yep. Yep. Oh, well, yeah. I can. But Yep. Okay. Yep. Okay. Yep. Okay. Yeah. Yep. Okay. Yep. Okay. Yep. Okay. Yeah. Makes sense. Yep. Yeah. No. No. I think you guys are all on top of it. So yeah. Yep. Yeah. That's fine. Yep. Yeah. Okay. Yep. That's fine. Yeah. Yeah. Yep. No. Fair enough. Yep. Okay. Not a problem. Yeah. No worries. Not a problem at all. No. All good. Yes. Thank you. Yeah. No worries. All good. Thank you very much. Yes. Same to you. Okay. Bye. 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Frank speaking. Hello? I'm good. How are you?\n\nYeah. That's fine. Yep. All good. No.\n\nI'm working today. Yeah. You got a little bit of time off. It was good. Yeah.\n\nYeah. That's it. Yeah. That's fine. Yep.\n\nIt's Frank James, and it's 1982. Yep. And what else did you me? Yeah. 11 Millman Drive, Craigley, Queensland.\n\nYeah. No. I do have access. But yeah. Yeah.\n\nProbably that. Yeah. I'll go through it a bit later. Yeah. Yep.\n\nYep. Okay. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yeah. No worries.\n\nYep. Yep. Okay. Okay. Yep.\n\nYep. Okay. Yep. Okay. Yep.\n\nOkay. Yep. Okay. Yep. Okay.\n\nYep. Yep. Yeah. Yeah. Yeah.\n\nNo. That's alright. You're explaining it you're explaining it very well. So yeah. Yep.\n\nYep. Yep. Okay. Yep. Yep.\n\nYeah. No. That's yeah. That makes sense. Yep.\n\nOkay. Okay. Yeah. Yeah. To me yeah.\n\nFor me, it's, I think, just easier coming out of the super. I don't have to worry about it. That's fair. Yeah. Yeah.\n\nThat's right. Yes. Yes. Yeah. 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you.","start":950.5969,"end":951.49695,"sentiment":"positive","sentiment_score":0.46065311630566913},{"text":"Okay.","start":953.1569,"end":953.6369,"sentiment":"positive","sentiment_score":0.3786509335041046}],"sentiment":"positive","sentiment_score":0.5243240188468586,"num_words":11,"start":944.54,"end":953.6369},{"sentences":[{"text":"Bye.","start":953.6369,"end":954.1369,"sentiment":"neutral","sentiment_score":0.2723216414451599},{"text":"Bye.","start":954.1969,"end":954.6969,"sentiment":"neutral","sentiment_score":0.23277226090431213}],"sentiment":"neutral","sentiment_score":0.252546951174736,"num_words":2,"start":953.6369,"end":954.6969}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Frank speaking. Hello?\n\nChannel 0: Hi, Frank. It's Dana from Oakview Financial. How are you today?\n\nChannel 1: I'm good. How are you?\n\nChannel 0: I'm very well. Thank you. I had you booked in to just go through your updated statement of advice. Is now still a good time there for\n\nChannel 1: Yeah. That's fine. Yep.\n\nChannel 0: you? All\n\nChannel 1: All\n\nChannel 0: good.\n\nChannel 1: good.\n\nChannel 0: Is he are you working today, or do you manage to get today off?\n\nChannel 1: No. I'm working today.\n\nChannel 0: Oh, I was trying not to take up too much of your time. I understand you're a very busy man. How did you get time off over Christmas and New Year's at all?\n\nChannel 1: Yeah. You got a little bit of time off. It was good.\n\nChannel 0: That's good. Some downtime\n\nChannel 1: Yeah.\n\nChannel 0: to rest and recuperate. That's important.\n\nChannel 1: Yeah. That's it.\n\nChannel 0: All good, Frank. Look. I do have the advice to send through to you there as well. Before we jump into the call, I do have to let you know our calls are corded recorded for training and quality purposes. Are you happy for me to proceed with that moving forward?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Lovely. And as to the security there with you, I will be discussing your personal information. So I need to confirm your full name, your date of birth, and address I should have on file for you.\n\nChannel 1: Yep. It's Frank James,\n\nChannel 0: Yep.\n\nChannel 1: and it's 1982.\n\nChannel 0: Yep.\n\nChannel 1: Yep. And what else did you\n\nChannel 0: Your address.\n\nChannel 1: me?\n\nChannel 0: I'm so sorry, Frank.\n\nChannel 1: Yeah.\n\nChannel 0: You're\n\nChannel 1: 11\n\nChannel 0: right.\n\nChannel 1: Millman Drive, Craigley, Queensland.\n\nChannel 0: Beautiful. Thank you so much for that. Now do you happen to have access to your emails at the moment? If you don't, that is absolutely fine.\n\nChannel 1: Yeah. No. I do have access.\n\nChannel 0: You do?\n\nChannel 1: But yeah.\n\nChannel 0: Yep. That's okay. If you want, what I can do is I can send through this DocuSign to you. You're welcome to open it up, and we can go through the document together. Otherwise, if you are a little bit more time, Paul, I'm more than happy to run through those recommendations for you.\n\nI'll still send through the email, and you're welcome to look at it later on. What would be your preference?\n\nChannel 1: Yeah. Probably that. Yeah. I'll go\n\nChannel 0: The\n\nChannel 1: through\n\nChannel 0: second\n\nChannel 1: it a bit\n\nChannel 0: one?\n\nChannel 1: later. Yeah.\n\nChannel 0: Yeah. That's absolutely fine. That's not a problem at all. Now, Frank, when we spoke late last year, we did your annual review, and we re sort of looked at everything for you. You had\n\nChannel 1: Yep.\n\nChannel 0: retained, obviously, your Hub twenty four account and also your previous super fund there just to sort of keep your insurances in place. When\n\nChannel 1: Yep.\n\nChannel 0: we sort of spoke about everything, you were happy with the level of cover you have within the Australian super fund. You wanted to keep that there. So we just wanted to go back, make sure everything was working harder for you, and just update the advice and the strategy with the retention there to make sure\n\nChannel 1: Okay.\n\nChannel 0: that we could complete the rollover, keeping some money in your Australian retirement sorry, in your Australian Superfund to keep your insurances in place. So I've gone back and done all that research there for you. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now when you do look at this advice document, just to let you know it has been provided to you under the best interest duty, it's important to note that any advice we do provide is there to in your best interest to make sure we're working towards your goals, and the advice is updated on a regular basis depending on whether your circumstances and goals are updated as well. Okay?\n\nChannel 1: Yep.\n\nChannel 0: With the scoping of the the advice, we have scoping areas of superannuation just making sure that we're retaining those two funds, that it does remain in your best interest, and that we're where your funds are working harder for you because you do have the two super funds there. I've\n\nChannel 1: Yep.\n\nChannel 0: also looked at this making sure the estate planning is considered as well, making sure your beneficiaries are up to date. We have on a limited scope or a limited basis just scoped in the insurances. So this is just because we have had to retain the cover due to your history of diabetes there. It's\n\nChannel 1: Yep.\n\nChannel 0: important to make sure that we are retaining that it does remain appropriate to you and that we are working towards your goals. Having insurance is still important to you. Does that make\n\nChannel 1: Yep.\n\nChannel 0: sense?\n\nChannel 1: Yep.\n\nChannel 0: Yep. And then we've also just scoped out areas of trauma. We did talk about the additional cover, trauma being something you pay out of pocket and what it can cover. You were quite happy not to have trauma, but if you decide down the track you wanna look at that, just let me know. We're more than happy to help you out.\n\nOkay?\n\nChannel 1: Yeah. No worries. Yep.\n\nChannel 0: Excellent. Perfect. Now, essentially, jumping into the recommendations to make it easier on you. Essentially, I am recommending that you do retain your Australian super fund there and that you do also retain your hub twenty four fund. Within\n\nChannel 1: Yep.\n\nChannel 0: both of those funds, I did go back and have a really good look at the investments within the funds, and I am recommending we do a bit of an investment switch. When I looked at how the funds were invested between the two funds, there was a bit of discrepancy between how you're invested and your risk profile. And it's important even though we've retained your Australian Super Fund to keep your insurances in place, the money within there should still be working harder for you at the same time. Okay?\n\nChannel 1: Okay.\n\nChannel 0: So within the Australian Super Fund, we are recommending that we remove the remove, sorry, the premixed index diversified investment and put you into a premixed high growth investment fund. We're only gonna retain 10,000 within an Australian super account, and your contributions just need to keep going into that fund better retain your insurances as well. Okay?\n\nChannel 1: Okay. Yep.\n\nChannel 0: With the funds in there currently, we are going to move all but 10,000 out into Hub twenty four. We are retaining Hub twenty four, still keeping you in that growth risk profile with 80% in growth\n\nChannel 1: Yep.\n\nChannel 0: investments. That's things like Australian shares, international shares listed property, and some commodities like gold and silver. And then also sort of keeping 20% in defensive investments for things like cash, bonds, and fixed interest. Okay?\n\nChannel 1: Okay. Yep.\n\nChannel 0: So within Hub twenty four, when I went back and had a really good look and I know it took a little bit longer to do the research, but there was a bit of a reason for that. So in kind of, like, November, in your hub '24, one of the original investments recommended was the Bennelong Australian Equities. In sort of the November, December, Bennelong had a bit of an issue with one of their underlying investments, corporate travel. I'm not sure if you've seen the news there, but\n\nChannel 1: Okay.\n\nChannel 0: corporate traveler had come out noting they were a bit dishonest. They weren't reporting correctly to their investors. That came out, and it meant that Benelon had to revalue that portion of their investments, which, unfortunately, because they're invested in it, they had some trading halt and some issues there, and it also meant that Bannalung as a whole had been reinvested. So we have noticed that it has been downgraded by analysts as an investment. It's generally not looking great, and it has sort of dragged most people's portfolios down.\n\nSo as part of the recommendations, I went back to the drawing board to see what else we could do. I\n\nChannel 1: Yep.\n\nChannel 0: am recommending that we sell all of the Bannalong, and we just rebalance your portfolio a little bit.\n\nChannel 1: Okay.\n\nChannel 0: Once we complete the switch, essentially, the investments you'll see in your portfolio will be just battery and lithium tech. We'll have some bank hybrids, which are defensive investments good for cash producing for income. So\n\nChannel 1: Yep.\n\nChannel 0: we'll also have some physical gold, some cyber security, some bonds. Bonds are great for income producing as well on defensive investments. Some S and P 500. We'll also see a bit of property in there, some listed property, and also the Australian 200. So we are\n\nChannel 1: Okay.\n\nChannel 0: looking to diversify it a little bit differently, get rid of that Bennelong investment in there, and just\n\nChannel 1: Yep.\n\nChannel 0: make sure that you are still investing correctly in a growth portfolio,\n\nChannel 1: Okay.\n\nChannel 0: but not having not having that one investment that's been dragging you back a little bit. Does that make sense?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Perfect. I know it's a lot, and I'm very sorry. When you go through the document, you'll\n\nChannel 1: Yeah.\n\nChannel 0: see a bit more about what I mean. I do apologize. I don't wanna talk\n\nChannel 1: Yeah.\n\nChannel 0: at you. I\n\nChannel 1: Yeah.\n\nChannel 0: wanna\n\nChannel 1: No.\n\nChannel 0: give you the\n\nChannel 1: That's\n\nChannel 0: information.\n\nChannel 1: alright. You're explaining it you're explaining it very well. So\n\nChannel 0: Fantastic.\n\nChannel 1: yeah.\n\nChannel 0: Thank you very much. One of the important things that we do look at is making sure that you're in a portfolio that has been performing well because whilst we don't know how portfolios are gonna perform in the future, past returns are definitely giving us a good indicator of what is good to invest in. When I\n\nChannel 1: Yep.\n\nChannel 0: went back and had a look at how you were invested previously, the five year rolling average had shown a return of about 12.92%. So the recommended portfolio was still in line with that growth asset allocation, but the past so the five year rolling average has actually shown about 15.13%. So, also, by no means expected to get that return over the next five years every single year, it's\n\nChannel 1: Yep.\n\nChannel 0: essentially showing you what the portfolio can and has done in the past and can is yeah. It can put you on a greater track for better returns moving forward. Okay?\n\nChannel 1: Yep. Okay.\n\nChannel 0: Perfect. So, essentially, with this one here, it's just about retaining those two super funds. We'll move all the funds out of Australian Super all but 10,000, just leaving at 10,000 in there. You keep your contributions going into Australian Super. The rest will be invested in Hub twenty four, and we'll just alter those portfolios between AustralianSuper and Hub twenty four to make sure you're fully\n\nChannel 1: Yep.\n\nChannel 0: in line with how you should be invested. Does that make\n\nChannel 1: Yep.\n\nChannel 0: sense?\n\nChannel 1: Yeah. No.\n\nChannel 0: Yep.\n\nChannel 1: That's yeah. That makes sense.\n\nChannel 0: Yeah. Perfect. As I mentioned, this is retaining the insurances that you do have in place there, but we'll keep chatting about those moving forward just making sure that you are do continue, sorry, to be invested correctly, making sure that, you know, everything's all in line, and we'll keep reviewing\n\nChannel 1: Yep.\n\nChannel 0: things for you.\n\nChannel 1: Okay.\n\nChannel 0: It is important to note that having insurances in your super does have an impact on your long term goals. So while we're not recommending any new insurances, there you are still paying for those insurance premiums out of your super. And when you look at the document on page 20 there, it does essentially show you the outcome, what could be expected over the next ten years by paying insurance premiums out of your super as opposed to if you were not paying insurance premiums out of your super. Okay?\n\nChannel 1: Okay. Yeah. Yeah.\n\nChannel 0: All good.\n\nChannel 1: To me yeah. For me, it's, I think, just easier coming out of the super. I don't have to worry about it.\n\nChannel 0: Yeah.\n\nChannel 1: That's fair.\n\nChannel 0: Absolutely. And it's still important to have that level of cover as well, especially, you know, you've got the diabetes. Your health has been really good from everything that we've sort of talked about, but it's still important to have that level of cover that gives you a little bit of backup in the event that something was to happen.\n\nChannel 1: Yeah.\n\nChannel 0: Okay.\n\nChannel 1: Yeah. That's right. Yes.\n\nChannel 0: Yeah. All good. The last important thing to talk about is the estate planning side of things. So it's important to note that I have factored this into the advice. We just wanna make sure that your beneficiaries between AustralianSuper and Hub twenty four are in line with your wishes.\n\nWhen we spoke last time, you mentioned that was important to have all the funds paid to Erica if in the event that something was to happen to you. So\n\nChannel 1: Yes.\n\nChannel 0: we will go back and just double check the beneficiaries, make sure they are in line with Australian Super. They do allow a a binding beneficiary nomination. However, it does have to be updated every sort of couple of years. So we'll make sure\n\nChannel 1: Yeah.\n\nChannel 0: that that is applied. If it's not, I'll get the team to apply that for you. With\n\nChannel 1: Okay.\n\nChannel 0: hub twenty four, we'll make sure you have a binding, non lapsing beneficiary nomination. So it essentially means that you by binding the nomination, you're binding the trustee to follow your direction. And then a non lapsing never has to be filled out again unless you change your wishes. So\n\nChannel 1: Okay.\n\nChannel 0: it's always good to have as little paperwork moving forward as possible, and that's essentially what that allows you to do. But we will get those beneficiaries set up for you. I'll get the team to prefill them with the details if you're comfortable for us to do so, and\n\nChannel 1: Yep.\n\nChannel 0: we can have those sent out to you as well to make sure they're signed, sealed, and delivered, and every order and the either all dotted and the t's are all costing you super funds there as well. Does that make\n\nChannel 1: Yeah. Okay.\n\nChannel 0: sense?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: I do also have in here I have outlined the advantages, disadvantages, and risks involved. Obviously, having a look and altering your portfolio, it does certainly put you on a greater track. As long as the portfolio reacts the way has in the past, it can put you on track to be able to meet your goals. And we'll make sure we review this. You have a lot longer ahead of you than ten years, so we'll make sure we review things with you regularly and update your advice to reflect as your goals change because you\n\nChannel 1: Yep.\n\nChannel 0: still got a lot of working life ahead of you. It doesn't feel like it, but you definitely do. It changes very quickly, doesn't it?\n\nChannel 1: Oh, well, yeah. I can. But\n\nChannel 0: No. All all good. The disadvantages are that, obviously, we do understand and expect that there are capital gains consequences for making the change in the portfolio, and we have taken that effect into the changes. So, essentially, by changing the portfolio there, we do estimate with the changes in Bennelong and how it has sort of been down a little bit. The estimated CGT consequences for the update of your portfolio is estimated at $235 based on our rate.\n\nOkay? So very\n\nChannel 1: Yep.\n\nChannel 0: small.\n\nChannel 1: Okay.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: All good. What\n\nChannel 1: Okay.\n\nChannel 0: I will do is I will let you go back and have a bit of a read through that one. I've sent it through. So\n\nChannel 1: Yep.\n\nChannel 0: it'll be in your inbox when you get some time to read it over. Please let me know if there's any questions that you have or anything that you wanted to update. I've also got on the very back page a little line. So if you go through the advice and you decide you don't wanna take on all of it, you just write on the back line on the bottom line, so what you don't wish to proceed with, and that's absolutely fine.\n\nChannel 1: Okay. Yeah.\n\nChannel 0: I've also added in there a smart recommendation that you guys do speak to a solicitor and have a will and a power of attorney drawn up. It is really important that beneficiaries will look after what's happening with your super insurances, but all of your other assets outside of super are also important to take into account and having\n\nChannel 1: Yep.\n\nChannel 0: a power of attorney drawn up. So in the event that you're not able to make your decisions, that somebody else knows what those decisions are and knows what you want them to do on your behalf, it's really important to make sure those are updated for you as well. Okay?\n\nChannel 1: Okay. Yep. Okay.\n\nChannel 0: All good. The good thing is the advice is provided all completely free of charge for you. We don't charge anything for updating advice. It's our job to make sure everything works for you in line with your goals and the best interest. So there's no implementation fees payable.\n\nThere's no remuneration on the insurances because they are within the Australian Superfund, and you are an ongoing client. So you just pay the 1.65% per annum adviser fee, and your annual annual review will be coming up again soon. So we'll run through and look at any changes that we need to make down\n\nChannel 1: Yep.\n\nChannel 0: the track for you as well. Does that make\n\nChannel 1: Okay.\n\nChannel 0: sense?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Makes sense.\n\nChannel 0: Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: It's a nice easy one at the moment. I know I've sort of said a lot. There's a lot to go through, and you'll get to read it. It'll make a lot more sense when you see it there in print. But do you\n\nChannel 1: Yeah.\n\nChannel 0: have any questions for me in relation to anything that I've gone through for you?\n\nChannel 1: No. No. I think you guys\n\nChannel 0: No?\n\nChannel 1: are all on top of it. So\n\nChannel 0: Yeah. Well, we can\n\nChannel 1: yeah.\n\nChannel 0: when we go through it, it'll it'll be nice and easy to implement as well. Essentially, you'll just sign the advice documents, send it back. Our team will do the investment switch\n\nChannel 1: Yep.\n\nChannel 0: for you and organize the rollover from AustralianSuper. When it comes to the switch within AustralianSuper, we might need you to help us with the forms. We'll get the forms sorted. You sign them, and then\n\nChannel 1: Yeah.\n\nChannel 0: we will\n\nChannel 1: That's\n\nChannel 0: try to\n\nChannel 1: fine.\n\nChannel 0: send them off to them. Sometimes they request that you send them off, but we'll help you out with that as much as possible.\n\nChannel 1: Yep.\n\nChannel 0: We'll make sure your contributions are directed to Australian Super and continue to do so, and then we'll get the beneficiaries done up. And we can send you the details for our local solicitor that we can refer you through to if you need to as well. Okay.\n\nChannel 1: Yeah. Okay. Yep. That's\n\nChannel 0: Yeah.\n\nChannel 1: fine.\n\nChannel 0: It's completely up to you guys. We just give you the details and let you decide whether or not you wanna go through it or not. It's just a just an option. But I also just say, when it comes to estate planning, if you do have a local solicitor or someone you have dealt with in the past, it is always wise to go back and have a chat to them because this is your estate planning. Doing up a will is quite sensitive.\n\nSo\n\nChannel 1: Yeah.\n\nChannel 0: having someone\n\nChannel 1: Yeah.\n\nChannel 0: you trust to go through those sorts of things is really important. Yeah.\n\nChannel 1: Yep. No.\n\nChannel 0: Yep.\n\nChannel 1: Fair enough.\n\nChannel 0: Beautiful. Well, I will let\n\nChannel 1: Yep.\n\nChannel 0: you go through and have a read through that one there, Frank. And if\n\nChannel 1: Okay.\n\nChannel 0: you find you have\n\nChannel 1: Not\n\nChannel 0: any\n\nChannel 1: a problem.\n\nChannel 0: questions, you just let me know. Okay?\n\nChannel 1: Yeah. No worries. Not a problem at\n\nChannel 0: K.\n\nChannel 1: all.\n\nChannel 0: You see. Beautiful. Thank you so much for your time today. I'll let you go\n\nChannel 1: No.\n\nChannel 0: so\n\nChannel 1: All\n\nChannel 0: you\n\nChannel 1: good.\n\nChannel 0: can enjoy your day, and just let me\n\nChannel 1: Yes.\n\nChannel 0: know if there's anything else\n\nChannel 1: Thank\n\nChannel 0: you need\n\nChannel 1: you.\n\nChannel 0: or any in relation to it at all.\n\nChannel 1: Yeah. No worries. All good. Thank you very\n\nChannel 0: My pleasure. You have a wonderful day.\n\nChannel 1: much. Yes. Same to you.\n\nChannel 0: Thanks for your time, Frank.\n\nChannel 1: Okay. Bye. Bye.\n\nChannel 0: See you later.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.5999999,"end":2.1,"sentiment":"neutral","sentiment_score":0.01511726900935173},{"text":"Frank speaking.","start":2.1599998,"end":3.06,"sentiment":"neutral","sentiment_score":0.016584164462983608},{"text":"Hello?","start":5.04,"end":5.54,"sentiment":"neutral","sentiment_score":0.0297332014888525}],"sentiment":"neutral","sentiment_score":0.019504699856042862,"channel":1,"num_words":4,"start":1.5999999,"end":5.54},{"sentences":[{"text":"Hi, Frank.","start":6.3199997,"end":6.8799996,"sentiment":"neutral","sentiment_score":0.15992900729179382},{"text":"It's Dana from Oakview Financial.","start":6.8799996,"end":8.639999,"sentiment":"neutral","sentiment_score":0.23270216286182405},{"text":"How are you 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just because we have had to retain the cover due to your history of diabetes there.","start":202.61,"end":208.23,"sentiment":"neutral","sentiment_score":-0.08329411537239426},{"text":"It's","start":208.37,"end":208.53,"sentiment":"neutral","sentiment_score":0.011390440165996552}],"sentiment":"neutral","sentiment_score":0.0031496135384908746,"channel":0,"num_words":56,"start":190.765,"end":208.53},{"sentences":[{"text":"Yep.","start":208.52501,"end":209.02501,"sentiment":"neutral","sentiment_score":-0.019119461998343468}],"sentiment":"neutral","sentiment_score":-0.019119461998343468,"channel":1,"num_words":1,"start":208.52501,"end":209.02501},{"sentences":[{"text":"important to make sure that we are retaining that it does remain appropriate to you and that we are working towards your goals.","start":208.53,"end":214.185,"sentiment":"neutral","sentiment_score":0.18314803909996283},{"text":"Having insurance is still important to 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then we've also just scoped out areas of trauma.","start":218.50499,"end":221.22499,"sentiment":"neutral","sentiment_score":0.027561514265835287},{"text":"We did talk about the additional cover, trauma being something you pay out of pocket and what it can cover.","start":221.22499,"end":226.78,"sentiment":"neutral","sentiment_score":0.03405385129153728},{"text":"You were quite happy not to have trauma, but if you decide down the track you wanna look at that, just let me know.","start":226.84001,"end":231.72,"sentiment":"neutral","sentiment_score":0.3209966340412696},{"text":"We're more than happy to help you 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worries.","start":234.26,"end":234.9,"sentiment":"neutral","sentiment_score":0.1617806851863861},{"text":"Yep.","start":234.9,"end":235.4,"sentiment":"neutral","sentiment_score":0.3089328408241272}],"sentiment":"neutral","sentiment_score":0.19160504639148712,"channel":1,"num_words":4,"start":233.93999,"end":235.4},{"sentences":[{"text":"Excellent.","start":235.515,"end":236.015,"sentiment":"positive","sentiment_score":0.6851710081100464},{"text":"Perfect.","start":236.155,"end":236.655,"sentiment":"positive","sentiment_score":0.6659350395202637},{"text":"Now, essentially, jumping into the recommendations to make it easier on you.","start":236.875,"end":240.655,"sentiment":"neutral","sentiment_score":0.26667841399709385},{"text":"Essentially, I am recommending that you do retain your Australian super fund there and that you do also retain your hub twenty four 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well.","start":285.81497,"end":294.69498,"sentiment":"neutral","sentiment_score":0.04703723211531286},{"text":"Okay?","start":294.69498,"end":295.19498,"sentiment":"neutral","sentiment_score":0.019174138084053993}],"sentiment":"neutral","sentiment_score":-0.002615654134544833,"channel":0,"num_words":58,"start":274.38,"end":295.19498},{"sentences":[{"text":"Okay.","start":295.29498,"end":295.79498,"sentiment":"neutral","sentiment_score":0.03280913829803467},{"text":"Yep.","start":295.85498,"end":296.35498,"sentiment":"neutral","sentiment_score":0.051560334861278534}],"sentiment":"neutral","sentiment_score":0.0421847365796566,"channel":1,"num_words":2,"start":295.29498,"end":296.35498},{"sentences":[{"text":"With the funds in there currently, we are going to move all but 10,000 out into Hub twenty four.","start":296.215,"end":301.64,"sentiment":"neutral","sentiment_score":0.055372020523799095},{"text":"We are retaining Hub twenty four, still keeping you in that growth risk profile with 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let me know.","start":928.44,"end":930.28,"sentiment":"neutral","sentiment_score":0.04489705339074135},{"text":"Okay?","start":930.28,"end":930.78,"sentiment":"neutral","sentiment_score":0.04937122389674187}],"sentiment":"neutral","sentiment_score":0.04553622060588428,"channel":0,"num_words":7,"start":928.44,"end":930.78},{"sentences":[{"text":"Yeah.","start":930.605,"end":931.005,"sentiment":"neutral","sentiment_score":0.060286931693553925},{"text":"No worries.","start":931.005,"end":931.745,"sentiment":"neutral","sentiment_score":0.0932600386440754},{"text":"Not a problem at","start":931.805,"end":932.605,"sentiment":"neutral","sentiment_score":0.19170939177274704}],"sentiment":"neutral","sentiment_score":0.14480636801038468,"channel":1,"num_words":7,"start":930.605,"end":932.605},{"sentences":[{"text":"K.","start":932.52,"end":932.76,"sentiment":"neutral","sentiment_score":0.1411243975162506}],"sentiment":"neutral","sentiment_score":0.1411243975162506,"channel":0,"num_words":1,"start":932.52,"end":932.76},{"sentences":[{"text":"all.","start":932.605,"end":933.105,"sentiment":"neutral","sentiment_score":0.16541588306427002}],"sentiment":"neutral","sentiment_score":0.16541588306427002,"channel":1,"num_words":1,"start":932.605,"end":933.105},{"sentences":[{"text":"You see.","start":932.76,"end":933.42004,"sentiment":"neutral","sentiment_score":0.1249144896864891},{"text":"Beautiful.","start":933.72003,"end":934.22003,"sentiment":"positive","sentiment_score":0.7237023115158081},{"text":"Thank you so much for your time today.","start":934.44,"end":936.36005,"sentiment":"positive","sentiment_score":0.7920263335108757},{"text":"I'll let you go","start":936.36005,"end":937.32,"sentiment":"positive","sentiment_score":0.41819580644369125}],"sentiment":"positive","sentiment_score":0.5988350123167038,"channel":0,"num_words":15,"start":932.76,"end":937.32},{"sentences":[{"text":"No.","start":937.01996,"end":937.5,"sentiment":"neutral","sentiment_score":0.12226126343011856}],"sentiment":"neutral","sentiment_score":0.12226126343011856,"channel":1,"num_words":1,"start":937.01996,"end":937.5},{"sentences":[{"text":"so","start":937.32,"end":937.56006,"sentiment":"neutral","sentiment_score":0.1366605907678604}],"sentiment":"neutral","sentiment_score":0.1366605907678604,"channel":0,"num_words":1,"start":937.32,"end":937.56006},{"sentences":[{"text":"All","start":937.5,"end":937.66,"sentiment":"neutral","sentiment_score":0.18866665661334991}],"sentiment":"neutral","sentiment_score":0.18866665661334991,"channel":1,"num_words":1,"start":937.5,"end":937.66},{"sentences":[{"text":"you","start":937.56006,"end":937.72003,"sentiment":"positive","sentiment_score":0.34229612350463867}],"sentiment":"positive","sentiment_score":0.34229612350463867,"channel":0,"num_words":1,"start":937.56006,"end":937.72003},{"sentences":[{"text":"good.","start":937.66,"end":938.16,"sentiment":"neutral","sentiment_score":0.2727377414703369}],"sentiment":"neutral","sentiment_score":0.2727377414703369,"channel":1,"num_words":1,"start":937.66,"end":938.16},{"sentences":[{"text":"can enjoy your day, and just let me","start":937.72003,"end":939.4,"sentiment":"positive","sentiment_score":0.45902222767472267}],"sentiment":"positive","sentiment_score":0.45902222767472267,"channel":0,"num_words":8,"start":937.72003,"end":939.4},{"sentences":[{"text":"Yes.","start":939.33997,"end":939.83997,"sentiment":"neutral","sentiment_score":0.13017669320106506}],"sentiment":"neutral","sentiment_score":0.13017669320106506,"channel":1,"num_words":1,"start":939.33997,"end":939.83997},{"sentences":[{"text":"know if there's anything else","start":939.4,"end":940.36005,"sentiment":"neutral","sentiment_score":0.17374238967895508}],"sentiment":"neutral","sentiment_score":0.17374238967895508,"channel":0,"num_words":5,"start":939.4,"end":940.36005},{"sentences":[{"text":"Thank","start":940.22,"end":940.45996,"sentiment":"neutral","sentiment_score":0.28634509444236755}],"sentiment":"neutral","sentiment_score":0.28634509444236755,"channel":1,"num_words":1,"start":940.22,"end":940.45996},{"sentences":[{"text":"you need","start":940.36005,"end":940.60004,"sentiment":"positive","sentiment_score":0.39594121277332306}],"sentiment":"positive","sentiment_score":0.39594121277332306,"channel":0,"num_words":2,"start":940.36005,"end":940.60004},{"sentences":[{"text":"you.","start":940.45996,"end":940.95996,"sentiment":"neutral","sentiment_score":0.17887386679649353}],"sentiment":"neutral","sentiment_score":0.17887386679649353,"channel":1,"num_words":1,"start":940.45996,"end":940.95996},{"sentences":[{"text":"or any in relation to it at all.","start":940.60004,"end":942.955,"sentiment":"neutral","sentiment_score":0.10516045335680246}],"sentiment":"neutral","sentiment_score":0.10516045335680246,"channel":0,"num_words":8,"start":940.60004,"end":942.955},{"sentences":[{"text":"Yeah.","start":943.25995,"end":943.57996,"sentiment":"neutral","sentiment_score":0.18144714832305908},{"text":"No worries.","start":943.57996,"end":944.31995,"sentiment":"neutral","sentiment_score":0.2119019478559494},{"text":"All good.","start":944.54,"end":945.27997,"sentiment":"positive","sentiment_score":0.4876953810453415},{"text":"Thank you very","start":945.79694,"end":946.6969,"sentiment":"positive","sentiment_score":0.7337547341982523}],"sentiment":"positive","sentiment_score":0.47273825109004974,"channel":1,"num_words":8,"start":943.25995,"end":946.6969},{"sentences":[{"text":"My pleasure.","start":947.6069,"end":948.40686,"sentiment":"positive","sentiment_score":0.7536858022212982},{"text":"You have a wonderful day.","start":948.40686,"end":949.8669,"sentiment":"positive","sentiment_score":0.7716007232666016}],"sentiment":"positive","sentiment_score":0.7664821743965149,"channel":0,"num_words":7,"start":947.6069,"end":949.8669},{"sentences":[{"text":"much.","start":949.9569,"end":950.11694,"sentiment":"positive","sentiment_score":0.5055667757987976},{"text":"Yes.","start":950.11694,"end":950.5969,"sentiment":"neutral","sentiment_score":0.3247321844100952},{"text":"Same to you.","start":950.5969,"end":951.49695,"sentiment":"positive","sentiment_score":0.46065311630566913}],"sentiment":"positive","sentiment_score":0.44245166182518003,"channel":1,"num_words":5,"start":949.9569,"end":951.49695},{"sentences":[{"text":"Thanks for your time, Frank.","start":952.0869,"end":953.5469,"sentiment":"positive","sentiment_score":0.7001946330070495}],"sentiment":"positive","sentiment_score":0.7001946330070495,"channel":0,"num_words":5,"start":952.0869,"end":953.5469},{"sentences":[{"text":"Okay.","start":953.1569,"end":953.6369,"sentiment":"positive","sentiment_score":0.3786509335041046},{"text":"Bye.","start":953.6369,"end":954.1369,"sentiment":"neutral","sentiment_score":0.2723216414451599},{"text":"Bye.","start":954.1969,"end":954.6969,"sentiment":"neutral","sentiment_score":0.23277226090431213}],"sentiment":"neutral","sentiment_score":0.2945816119511922,"channel":1,"num_words":3,"start":953.1569,"end":954.6969},{"sentences":[{"text":"See you later.","start":954.2469,"end":955.0669,"sentiment":"neutral","sentiment_score":0.1823287084698677}],"sentiment":"neutral","sentiment_score":0.1823287084698677,"channel":0,"num_words":3,"start":954.2469,"end":955.0669}]},"summary":{"result":"success","short":"The representative from Oakview Financial discusses Frank's updated statement of advice with him, recommending investment choices and a portfolio repositioning to retain his personal information and investment funds. They emphasize the importance of maintaining a portfolio that is performing well and maintaining a growth portfolio. The speaker emphasizes the importance of updating beneficiaries and keeping them in line with the company's wishes. They also provide information on a recommendation for a solicitor and power of attorney and emphasize the importance of trusting local solicitors."},"intents":{"segments":[{"text":"And as to the security there with you, I will be discussing your personal information. So I need to confirm your full name, your date of birth, and address I should have on file for you. Yep.","start_word":188,"end_word":224,"intents":[{"intent":"Confirm contact information","confidence_score":0.006973139}]},{"text":"we sort of spoke about everything, you were happy with the level of cover you have within the Australian super fund. You wanted to keep that there. So we just wanted to go back, make sure everything was working harder for you, and just update the advice and the strategy with the retention there to make sure Okay.","start_word":441,"end_word":498,"intents":[{"intent":"Retain cover","confidence_score":0.14197165}]},{"text":"that we could complete the rollover, keeping some money in your Australian retirement sorry, in your Australian Superfund to keep your insurances in place.","start_word":499,"end_word":522,"intents":[{"intent":"Maintain funds","confidence_score":0.021571025}]},{"text":"Now when you do look at this advice document, just to let you know it has been provided to you under the best interest duty, it's important to note that any advice we do provide is there to in your best interest to make sure we're working towards your goals, and the advice is updated on a regular basis depending on whether your circumstances and goals are updated as well. Okay?","start_word":538,"end_word":608,"intents":[{"intent":"Update advice","confidence_score":0.3827098}]},{"text":"important to make sure that we are retaining that it does remain appropriate to you and that we are working towards your goals.","start_word":720,"end_word":742,"intents":[{"intent":"Retain appropriate insurance","confidence_score":0.120141216}]},{"text":"We did talk about the additional cover, trauma being something you pay out of pocket and what it can cover.","start_word":766,"end_word":785,"intents":[{"intent":"Suggest additional coverage","confidence_score":0.016275449}]},{"text":"both of those funds, I did go back and have a really good look at the investments within the funds, and I am recommending we do a bit of an investment switch.","start_word":863,"end_word":894,"intents":[{"intent":"Recommend investment switch","confidence_score":0.65165395},{"intent":"Emphasize investment shift","confidence_score":0.00001441461}]},{"text":"am recommending that we sell all of the Bannalong, and we just rebalance your portfolio a little bit.","start_word":1296,"end_word":1313,"intents":[{"intent":"Rebalance portfolio","confidence_score":0.17979799}]},{"text":"One of the important things that we do look at is making sure that you're in a portfolio that has been performing well because whilst we don't know how portfolios are gonna perform in the future, past returns are definitely giving us a good indicator of what is good to invest in.","start_word":1516,"end_word":1567,"intents":[{"intent":"Evaluate portfolio performance","confidence_score":0.14523554}]},{"text":"As I mentioned, this is retaining the insurances that you do have in place there, but we'll keep chatting about those moving forward just making sure that you are do continue, sorry, to be invested correctly, making sure that, you know, everything's all in line, and we'll keep reviewing Yep. things for you. Okay.","start_word":1767,"end_word":1820,"intents":[{"intent":"Retain insurances","confidence_score":0.12656812},{"intent":"Maintain insurance coverage","confidence_score":0.0031728058}]},{"text":"The last important thing to talk about is the estate planning side of things. So it's important to note that I have factored this into the advice. We just wanna make sure that your beneficiaries between AustralianSuper and Hub twenty four are in line with your wishes.","start_word":2010,"end_word":2056,"intents":[{"intent":"Clarify estate planning","confidence_score":0.014706309}]},{"text":"They do allow a a binding beneficiary nomination. However, it does have to be updated every sort of couple of years.","start_word":2107,"end_word":2127,"intents":[{"intent":"Update beneficiary nomination","confidence_score":0.3118891}]},{"text":"If it's not, I'll get the team to apply that for you. With Okay.","start_word":2138,"end_word":2151,"intents":[{"intent":"Apply for nomination","confidence_score":0.23601826}]},{"text":"hub twenty four, we'll make sure you have a binding, non lapsing beneficiary nomination. So it essentially means that you by binding the nomination, you're binding the trustee to follow your direction. And then a non lapsing never has to be filled out again unless you change your wishes. So Okay.","start_word":2151,"end_word":2201,"intents":[{"intent":"Set up beneficiary nomination","confidence_score":0.2502921}]},{"text":"I'll get the team to prefill them with the details if you're comfortable for us to do so, and Yep. we can have those sent out to you as well to make sure they're signed, sealed, and delivered, and every order and the either all dotted and the t's are all costing you super funds there as well. Does that make Yeah.","start_word":2233,"end_word":2294,"intents":[{"intent":"Prefill beneficiary details","confidence_score":0.14900371}]},{"text":"Obviously, having a look and altering your portfolio, it does certainly put you on a greater track. As long as the portfolio reacts the way has in the past, it can put you on track to be able to meet your goals.","start_word":2316,"end_word":2357,"intents":[{"intent":"Manage change in portfolios","confidence_score":2.4426983e-8}]},{"text":"And we'll make sure we review this. You have a lot longer ahead of you than ten years, so we'll make sure we review things with you regularly and update your advice to reflect as your goals change because you Yep.","start_word":2358,"end_word":2398,"intents":[{"intent":"Review portfolio","confidence_score":0.5308999},{"intent":"Review portfolio changes","confidence_score":0.14149319}]},{"text":"The estimated CGT consequences for the update of your portfolio is estimated at $235 based on our rate. Okay?","start_word":2493,"end_word":2511,"intents":[{"intent":"Update portfolio","confidence_score":0.35816935}]},{"text":"Yeah.","start_word":2633,"end_word":2633,"intents":[{"intent":"Recommend drafting","confidence_score":0.00852332}]},{"text":"I've also added in there a smart recommendation that you guys do speak to a solicitor and have a will and a power of attorney drawn up.","start_word":2634,"end_word":2660,"intents":[{"intent":"Recommend solicitor","confidence_score":0.009817929}]},{"text":"The good thing is the advice is provided all completely free of charge for you. We don't charge anything for updating advice. It's our job to make sure everything works for you in line with your goals and the best interest.","start_word":2751,"end_word":2791,"intents":[{"intent":"Express need for advice","confidence_score":0.00020113865},{"intent":"Explain free advice","confidence_score":0.021947324}]},{"text":"So we'll run through and look at any changes that we need to make down Yep. the track for you as well. Does that make Okay. sense?","start_word":2838,"end_word":2864,"intents":[{"intent":"Discuss potential changes","confidence_score":0.0019500635}]},{"text":"Yeah. Makes sense. Beautiful.","start_word":2866,"end_word":2869,"intents":[{"intent":"Confirm understanding","confidence_score":0.0731025}]},{"text":"when we go through it, it'll it'll be nice and easy to implement as well. Essentially, you'll just sign the advice documents, send it back.","start_word":2950,"end_word":2974,"intents":[{"intent":"Implement solutions","confidence_score":0.0003737109}]}]},"sentiments":{"segments":[{"text":"Hello? Frank speaking. Hello? Hi, Frank. It's Dana from Oakview Financial. How are you today?","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.16838540136814115},{"text":"I'm good. How are you? I'm very well. Thank you.","start_word":15,"end_word":24,"sentiment":"positive","sentiment_score":0.5194143652915955},{"text":"I had you booked in to just go through your updated statement of advice. Is now still a good time there for Yeah. That's fine. Yep. you? All All good. good. Is he are you working today, or do you manage to get today off? No. I'm working today. Oh, I was trying not to take up too much of your time. I understand you're a very busy man. How did you get time off over Christmas and New Year's at all? Yeah. You got a little bit of time off.","start_word":25,"end_word":115,"sentiment":"neutral","sentiment_score":0.07104487717151642},{"text":"It was good.","start_word":116,"end_word":118,"sentiment":"positive","sentiment_score":0.3875617384910583},{"text":"That's good. Some downtime Yeah. to rest and recuperate. That's important. Yeah. That's it.","start_word":119,"end_word":132,"sentiment":"neutral","sentiment_score":0.1212032288312912},{"text":"All good, Frank.","start_word":133,"end_word":135,"sentiment":"positive","sentiment_score":0.4069087207317352},{"text":"Look. I do have the advice to send through to you there as well. Before we jump into the call, I do have to let you know our calls are corded recorded for training and quality purposes. Are you happy for me to proceed with that moving forward? Yeah. That's fine.","start_word":136,"end_word":186,"sentiment":"neutral","sentiment_score":0.15163291990756989},{"text":"Lovely.","start_word":187,"end_word":187,"sentiment":"positive","sentiment_score":0.33340391516685486},{"text":"And as to the security there with you, I will be discussing your personal information. So I need to confirm your full name, your date of birth, and address I should have on file for you. Yep. It's Frank James, Yep. and it's 1982. Yep. Yep. And what else did you Your address. me? I'm so sorry, Frank. Yeah. You're 11 right. Millman Drive, Craigley, Queensland. Beautiful.","start_word":188,"end_word":254,"sentiment":"neutral","sentiment_score":0.04633176326751709},{"text":"Thank you so much for that.","start_word":255,"end_word":260,"sentiment":"positive","sentiment_score":0.3984187841415405},{"text":"Now do you happen to have access to your emails at the moment? If you don't, that is absolutely fine. Yeah. No. I do have access. You do? But yeah. Yep. That's okay. If you want, what I can do is I can send through this DocuSign to you. You're welcome to open it up, and we can go through the document together. Otherwise, if you are a little bit more time, Paul, I'm more than happy to run through those recommendations for you. I'll still send through the email, and you're welcome to look at it later on. What would be your preference? Yeah. Probably that. Yeah. I'll go The through second it a bit one? later. Yeah. Yeah.","start_word":261,"end_word":380,"sentiment":"neutral","sentiment_score":0.1434805065393448},{"text":"That's absolutely fine. That's not a problem at all.","start_word":381,"end_word":389,"sentiment":"positive","sentiment_score":0.5915254354476929},{"text":"Now, Frank, when we spoke late last year, we did your annual review, and we re sort of looked at everything for you. You had Yep. retained, obviously, your Hub twenty four account and also your previous super fund there just to sort of keep your insurances in place. When Yep. we sort of spoke about everything, you were happy with the level of cover you have within the Australian super fund. You wanted to keep that there. So we just wanted to go back, make sure everything was working harder for you, and just update the advice and the strategy with the retention there to make sure Okay. that we could complete the rollover, keeping some money in your Australian retirement sorry, in your Australian Superfund to keep your insurances in place. So I've gone back and done all that research there for you. Okay? Yep.","start_word":390,"end_word":536,"sentiment":"neutral","sentiment_score":0.2224364876747131},{"text":"Perfect.","start_word":537,"end_word":537,"sentiment":"positive","sentiment_score":0.5226837396621704},{"text":"Now when you do look at this advice document, just to let you know it has been provided to you under the best interest duty, it's important to note that any advice we do provide is there to in your best interest to make sure we're working towards your goals, and the advice is updated on a regular basis depending on whether your circumstances and goals are updated as well. Okay? Yep. With the scoping of the the advice, we have scoping areas of superannuation just making sure that we're retaining those two funds, that it does remain in your best interest, and that we're where your funds are working harder for you because you do have the two super funds there. I've Yep. also looked at this making sure the estate planning is considered as well, making sure your beneficiaries are up to date. We have on a limited scope or a limited basis just scoped in the insurances. So this is just because we have had to retain the cover due to your history of diabetes there. It's Yep. important to make sure that we are retaining that it does remain appropriate to you and that we are working towards your goals. Having insurance is still important to you. Does that make Yep. sense? Yep. Yep. And then we've also just scoped out areas of trauma. We did talk about the additional cover, trauma being something you pay out of pocket and what it can cover. You were quite happy not to have trauma, but if you decide down the track you wanna look at that, just let me know.","start_word":538,"end_word":809,"sentiment":"neutral","sentiment_score":0.10741695287801764},{"text":"We're more than happy to help you out.","start_word":810,"end_word":817,"sentiment":"positive","sentiment_score":0.7080174684524536},{"text":"Okay? Yeah. No worries. Yep.","start_word":818,"end_word":822,"sentiment":"neutral","sentiment_score":0.2192486822605133},{"text":"Excellent. Perfect.","start_word":823,"end_word":824,"sentiment":"positive","sentiment_score":0.675553023815155},{"text":"Now, essentially, jumping into the recommendations to make it easier on you. Essentially, I am recommending that you do retain your Australian super fund there and that you do also retain your hub twenty four fund. Within Yep. both of those funds, I did go back and have a really good look at the investments within the funds, and I am recommending we do a bit of an investment switch. When I looked at how the funds were invested between the two funds, there was a bit of discrepancy between how you're invested and your risk profile. And it's important even though we've retained your Australian Super Fund to keep your insurances in place, the money within there should still be working harder for you at the same time. Okay? Okay. So within the Australian Super Fund, we are recommending that we remove the remove, sorry, the premixed index diversified investment and put you into a premixed high growth investment fund. We're only gonna retain 10,000 within an Australian super account, and your contributions just need to keep going into that fund better retain your insurances as well. Okay? Okay. Yep. With the funds in there currently, we are going to move all but 10,000 out into Hub twenty four. We are retaining Hub twenty four, still keeping you in that growth risk profile with 80% in growth Yep. investments. That's things like Australian shares, international shares listed property, and some commodities like gold and silver. And then also sort of keeping 20% in defensive investments for things like cash, bonds, and fixed interest. Okay? Okay. Yep. So within Hub twenty four, when I went back and had a really good look and I know it took a little bit longer to do the research, but there was a bit of a reason for that. So in kind of, like, November, in your hub '24, one of the original investments recommended was the Bennelong Australian Equities. In sort of the November, December, Bennelong had a bit of an issue with one of their underlying investments, corporate travel. I'm not sure if you've seen the news there, but Okay.","start_word":825,"end_word":1182,"sentiment":"neutral","sentiment_score":0.011963835194207436},{"text":"corporate traveler had come out noting they were a bit dishonest. They weren't reporting correctly to their investors. That came out, and it meant that Benelon had to revalue that portion of their investments, which, unfortunately, because they're invested in it, they had some trading halt and some issues there, and it also meant that Bannalung as a whole had been reinvested. So we have noticed that it has been downgraded by analysts as an investment. It's generally not looking great, and it has sort of dragged most people's portfolios down.","start_word":1183,"end_word":1273,"sentiment":"negative","sentiment_score":-0.481072336435318},{"text":"So as part of the recommendations, I went back to the drawing board to see what else we could do. I Yep. am recommending that we sell all of the Bannalong, and we just rebalance your portfolio a little bit. Okay. Once we complete the switch, essentially, the investments you'll see in your portfolio will be just battery and lithium tech. We'll have some bank hybrids, which are defensive investments good for cash producing for income. So Yep. we'll also have some physical gold, some cyber security, some bonds.","start_word":1274,"end_word":1362,"sentiment":"neutral","sentiment_score":0.12279312312602995},{"text":"Bonds are great for income producing as well on defensive investments.","start_word":1363,"end_word":1373,"sentiment":"positive","sentiment_score":0.3356678783893585},{"text":"Some S and P 500. We'll also see a bit of property in there, some listed property, and also the Australian 200. So we are Okay. looking to diversify it a little bit differently, get rid of that Bennelong investment in there, and just Yep. make sure that you are still investing correctly in a growth portfolio, Okay.","start_word":1374,"end_word":1431,"sentiment":"neutral","sentiment_score":0.11070969700813292},{"text":"but not having not having that one investment that's been dragging you back a little bit.","start_word":1432,"end_word":1447,"sentiment":"negative","sentiment_score":-0.34013068675994873},{"text":"Does that make sense? Yep. Yep. Yep.","start_word":1448,"end_word":1454,"sentiment":"neutral","sentiment_score":0.0253598615527153},{"text":"Perfect.","start_word":1455,"end_word":1455,"sentiment":"positive","sentiment_score":0.558513343334198},{"text":"I know it's a lot, and I'm very sorry. When you go through the document, you'll see Yeah. a bit more about what I mean. I do apologize. I don't wanna talk Yeah. at you. I Yeah. wanna No. give you the That's information. alright.","start_word":1456,"end_word":1500,"sentiment":"neutral","sentiment_score":-0.05647815763950348},{"text":"You're explaining it you're explaining it very well. So Fantastic. yeah. Thank you very much. One of the important things that we do look at is making sure that you're in a portfolio that has been performing well because whilst we don't know how portfolios are gonna perform in the future, past returns are definitely giving us a good indicator of what is good to invest in.","start_word":1501,"end_word":1567,"sentiment":"positive","sentiment_score":0.3880015313625336},{"text":"When I Yep. went back and had a look at how you were invested previously, the five year rolling average had shown a return of about 12.92%. So the recommended portfolio was still in line with that growth asset allocation, but the past so the five year rolling average has actually shown about 15.13%. So, also, by no means expected to get that return over the next five years every single year, it's Yep.","start_word":1568,"end_word":1641,"sentiment":"neutral","sentiment_score":0.2674733102321625},{"text":"essentially showing you what the portfolio can and has done in the past and can is yeah. It can put you on a greater track for better returns moving forward.","start_word":1642,"end_word":1671,"sentiment":"positive","sentiment_score":0.5495404601097107},{"text":"Okay? Yep. Okay.","start_word":1672,"end_word":1674,"sentiment":"neutral","sentiment_score":0.24471549689769745},{"text":"Perfect.","start_word":1675,"end_word":1675,"sentiment":"positive","sentiment_score":0.4792294502258301},{"text":"So, essentially, with this one here, it's just about retaining those two super funds. We'll move all the funds out of Australian Super all but 10,000, just leaving at 10,000 in there. You keep your contributions going into Australian Super. The rest will be invested in Hub twenty four, and we'll just alter those portfolios between AustralianSuper and Hub twenty four to make sure you're fully Yep. in line with how you should be invested. Does that make Yep. sense? Yeah. No. Yep. That's yeah. That makes sense. Yeah.","start_word":1676,"end_word":1764,"sentiment":"neutral","sentiment_score":0.18393871188163757},{"text":"Perfect.","start_word":1765,"end_word":1765,"sentiment":"positive","sentiment_score":0.5707803964614868},{"text":"As I mentioned, this is retaining the insurances that you do have in place there, but we'll keep chatting about those moving forward just making sure that you are do continue, sorry, to be invested correctly, making sure that, you know, everything's all in line, and we'll keep reviewing Yep. things for you. Okay. It is important to note that having insurances in your super does have an impact on your long term goals. So while we're not recommending any new insurances, there you are still paying for those insurance premiums out of your super. And when you look at the document on page 20 there, it does essentially show you the outcome, what could be expected over the next ten years by paying insurance premiums out of your super as opposed to if you were not paying insurance premiums out of your super. Okay? Okay. Yeah.","start_word":1766,"end_word":1912,"sentiment":"neutral","sentiment_score":0.159290611743927},{"text":"Yeah. All good. To me yeah. For me, it's, I think, just easier coming out of the super. I don't have to worry about it. Yeah. That's fair. Absolutely. And it's still important to have that level of cover as well, especially, you know, you've got the diabetes. Your health has been really good from everything that we've sort of talked about, but it's still important to have that level of cover that gives you a little bit of backup in the event that something was to happen.","start_word":1913,"end_word":2000,"sentiment":"positive","sentiment_score":0.446051687002182},{"text":"Yeah. Okay. Yeah. That's right. Yes.","start_word":2001,"end_word":2006,"sentiment":"neutral","sentiment_score":0.22354057431221008},{"text":"Yeah. All good.","start_word":2007,"end_word":2009,"sentiment":"positive","sentiment_score":0.4190402925014496},{"text":"The last important thing to talk about is the estate planning side of things. So it's important to note that I have factored this into the advice. We just wanna make sure that your beneficiaries between AustralianSuper and Hub twenty four are in line with your wishes. When we spoke last time, you mentioned that was important to have all the funds paid to Erica if in the event that something was to happen to you. So Yes. we will go back and just double check the beneficiaries, make sure they are in line with Australian Super. They do allow a a binding beneficiary nomination. However, it does have to be updated every sort of couple of years. So we'll make sure Yeah. that that is applied. If it's not, I'll get the team to apply that for you. With Okay. hub twenty four, we'll make sure you have a binding, non lapsing beneficiary nomination. So it essentially means that you by binding the nomination, you're binding the trustee to follow your direction. And then a non lapsing never has to be filled out again unless you change your wishes. So Okay.","start_word":2010,"end_word":2201,"sentiment":"neutral","sentiment_score":0.17419964618360004},{"text":"it's always good to have as little paperwork moving forward as possible, and that's essentially what that allows you to do. But we will get those beneficiaries set up for you. I'll get the team to prefill them with the details if you're comfortable for us to do so, and Yep. we can have those sent out to you as well to make sure they're signed, sealed, and delivered, and every order and the either all dotted and the t's are all costing you super funds there as well.","start_word":2202,"end_word":2290,"sentiment":"positive","sentiment_score":0.42740365862846375},{"text":"Does that make Yeah. Okay. sense? Yep. Yeah.","start_word":2291,"end_word":2298,"sentiment":"neutral","sentiment_score":0.17653273046016693},{"text":"Beautiful. Yep.","start_word":2299,"end_word":2300,"sentiment":"positive","sentiment_score":0.4570328891277313},{"text":"I do also have in here I have outlined the advantages, disadvantages, and risks involved.","start_word":2301,"end_word":2315,"sentiment":"neutral","sentiment_score":0.03530768305063248},{"text":"Obviously, having a look and altering your portfolio, it does certainly put you on a greater track. As long as the portfolio reacts the way has in the past, it can put you on track to be able to meet your goals.","start_word":2316,"end_word":2357,"sentiment":"positive","sentiment_score":0.523269534111023},{"text":"And we'll make sure we review this. You have a lot longer ahead of you than ten years, so we'll make sure we review things with you regularly and update your advice to reflect as your goals change because you Yep. still got a lot of working life ahead of you. It doesn't feel like it, but you definitely do. It changes very quickly, doesn't it? Oh, well, yeah. I can. But No. All all good.","start_word":2358,"end_word":2433,"sentiment":"neutral","sentiment_score":0.1830437332391739},{"text":"The disadvantages are that, obviously, we do understand and expect that there are capital gains consequences for making the change in the portfolio, and we have taken that effect into the changes.","start_word":2434,"end_word":2465,"sentiment":"negative","sentiment_score":-0.3352534770965576},{"text":"So, essentially, by changing the portfolio there, we do estimate with the changes in Bennelong and how it has sort of been down a little bit. The estimated CGT consequences for the update of your portfolio is estimated at $235 based on our rate. Okay? So very Yep. small. Okay. Yeah. Yep.","start_word":2466,"end_word":2517,"sentiment":"neutral","sentiment_score":-0.02674359828233719},{"text":"All good.","start_word":2518,"end_word":2519,"sentiment":"positive","sentiment_score":0.5253947973251343},{"text":"What Okay. I will do is I will let you go back and have a bit of a read through that one. I've sent it through. So Yep. it'll be in your inbox when you get some time to read it over. Please let me know if there's any questions that you have or anything that you wanted to update. I've also got on the very back page a little line. So if you go through the advice and you decide you don't wanna take on all of it, you just write on the back line on the bottom line, so what you don't wish to proceed with, and that's absolutely fine. Okay. Yeah. I've also added in there a smart recommendation that you guys do speak to a solicitor and have a will and a power of attorney drawn up. It is really important that beneficiaries will look after what's happening with your super insurances, but all of your other assets outside of super are also important to take into account and having Yep. a power of attorney drawn up. So in the event that you're not able to make your decisions, that somebody else knows what those decisions are and knows what you want them to do on your behalf, it's really important to make sure those are updated for you as well. Okay? Okay. Yep. Okay.","start_word":2520,"end_word":2748,"sentiment":"neutral","sentiment_score":0.1224045529961586},{"text":"All good. The good thing is the advice is provided all completely free of charge for you.","start_word":2749,"end_word":2765,"sentiment":"positive","sentiment_score":0.5135174989700317},{"text":"We don't charge anything for updating advice.","start_word":2766,"end_word":2772,"sentiment":"neutral","sentiment_score":0.32195568084716797},{"text":"It's our job to make sure everything works for you in line with your goals and the best interest.","start_word":2773,"end_word":2791,"sentiment":"positive","sentiment_score":0.5698177218437195},{"text":"So there's no implementation fees payable. There's no remuneration on the insurances because they are within the Australian Superfund, and you are an ongoing client. So you just pay the 1.65% per annum adviser fee, and your annual annual review will be coming up again soon. So we'll run through and look at any changes that we need to make down Yep. the track for you as well. Does that make Okay. sense? Yeah. Yeah. Makes sense.","start_word":2792,"end_word":2868,"sentiment":"neutral","sentiment_score":0.2594251334667206},{"text":"Beautiful. Yep. It's a nice easy one at the moment.","start_word":2869,"end_word":2878,"sentiment":"positive","sentiment_score":0.7222975969314576},{"text":"I know I've sort of said a lot. There's a lot to go through, and you'll get to read it. It'll make a lot more sense when you see it there in print. But do you Yeah. have any questions for me in relation to anything that I've gone through for you? No. No. I think you guys No? are all on top of it. So Yeah. Well, we can yeah.","start_word":2879,"end_word":2949,"sentiment":"neutral","sentiment_score":0.13181428611278534},{"text":"when we go through it, it'll it'll be nice and easy to implement as well.","start_word":2950,"end_word":2964,"sentiment":"positive","sentiment_score":0.3360038101673126},{"text":"Essentially, you'll just sign the advice documents, send it back. Our team will do the investment switch Yep. for you and organize the rollover from AustralianSuper. When it comes to the switch within AustralianSuper, we might need you to help us with the forms. We'll get the forms sorted. You sign them, and then Yeah. we will That's try to fine. send them off to them. Sometimes they request that you send them off, but we'll help you out with that as much as possible. Yep. We'll make sure your contributions are directed to Australian Super and continue to do so, and then we'll get the beneficiaries done up. And we can send you the details for our local solicitor that we can refer you through to if you need to as well. Okay. Yeah. Okay. Yep. That's Yeah. fine. It's completely up to you guys. We just give you the details and let you decide whether or not you wanna go through it or not. It's just a just an option. But I also just say, when it comes to estate planning, if you do have a local solicitor or someone you have dealt with in the past, it is always wise to go back and have a chat to them because this is your estate planning. Doing up a will is quite sensitive. So Yeah. having someone Yeah. you trust to go through those sorts of things is really important. Yeah. Yep. No. Yep. Fair enough.","start_word":2965,"end_word":3212,"sentiment":"neutral","sentiment_score":0.09675274789333344},{"text":"Beautiful.","start_word":3213,"end_word":3213,"sentiment":"positive","sentiment_score":0.4407700002193451},{"text":"Well, I will let Yep. you go through and have a read through that one there, Frank. And if Okay. you find you have Not any a problem. questions, you just let me know. Okay? Yeah. No worries. Not a problem at K. all. You see.","start_word":3214,"end_word":3259,"sentiment":"neutral","sentiment_score":0.09816228857506876},{"text":"Beautiful. Thank you so much for your time today.","start_word":3260,"end_word":3268,"sentiment":"positive","sentiment_score":0.7793839573860168},{"text":"I'll let you go No. so All you good.","start_word":3269,"end_word":3277,"sentiment":"neutral","sentiment_score":0.29662489891052246},{"text":"can enjoy your day, and just let me Yes.","start_word":3278,"end_word":3286,"sentiment":"positive","sentiment_score":0.4001868963241577},{"text":"know if there's anything else Thank you need you. or any in relation to it at all. Yeah. No worries.","start_word":3287,"end_word":3306,"sentiment":"neutral","sentiment_score":0.18186837434768677},{"text":"All good. Thank you very My pleasure. You have a wonderful day. much.","start_word":3307,"end_word":3319,"sentiment":"positive","sentiment_score":0.686260998249054},{"text":"Yes.","start_word":3320,"end_word":3320,"sentiment":"neutral","sentiment_score":0.3247321844100952},{"text":"Same to you. Thanks for your time, Frank. Okay.","start_word":3321,"end_word":3329,"sentiment":"positive","sentiment_score":0.5811100006103516},{"text":"Bye. Bye.","start_word":3330,"end_word":3331,"sentiment":"neutral","sentiment_score":0.2525469660758972},{"text":"See you later.","start_word":3332,"end_word":3334,"sentiment":"positive","sentiment_score":0.3510485887527466}],"average":{"sentiment":"neutral","sentiment_score":0.1480192865062879}}}}