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Now like I told Hailey, I did have you guys booked in. It is a pretty quick one today just to go over the research I did on your super investment. Do you guys remember that conversation? Yep. Perfect. Now I do have to let you guys know that the calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And I do have a password on file for both of you. Do you know where that is? Yep. And yeah. Exactly. Perfect. Now do either of you have access to your emails at the moment? Yeah. So I have sent you both the same documents. Just a a copy each just with the recommendation. It is the same one. So even if you wanna look on on one phone or both of you, it's up to you. Okay. Perfect. And did you get that email as well, Hailey? Yep. Okay. Perfect. Now I have made some recommendation on a couple of investment switches for you. It is pretty straightforward today. Now every time we do make a recommendation, we have to put everything in a statement of advice for you so that you fully understand everything. Now a lot of it is just for compliance purposes, and it is pretty straightforward today. So you will see that it is 40 pages. I won't go through all of that with you because, otherwise, I'll keep you here for a while. I'll go through the main points, and then you guys can have a read over it in your own time. Is that okay? Yep. Perfect. Now on the cover page here, you can see that this has been tailored through both of you. You can also see my details listed on the cover page. You'll see my authorized representative number listed as well, and I am licensed under OCU Financial. Now if you wanna scroll to the second page, you will see the best interest due to I outline. Can you see that? Page two. Yep. Have you either of you heard of this before? No. Essentially, what it means is that we have to act in your best interest at all time, and the advice itself has to put you in a better position. Otherwise, we can't actually make the recommendation. So, essentially, there's a lot of laws and legislation in place to protect you guys, essentially. Now as you scroll through, you will see scope of advice, which is page three. Basically, what that means and refers to is the areas we are looking at today. So like I said, pretty straightforward. We are just looking at your superannuation, specifically your investments to see if we could complete any of these changes. And I have also included a bit of a state planning as well just to make sure we get everything set up for you. Otherwise, not making any changes in regards to insurances. Just literally that's due for under state planning. Does that make sense? Yep. Perfect. So if you guys wanna then scroll down to page six, you should see a little table where it says our advice to you. Just let me know if you can see that. Can you guys see that okay? If you click on the link where it says sign now you're probably what are you talking about about? I'm glad you said something. No. If you wanna click on the yeah. Now the one that you were in is the appendix. So that further research goes in, and you will also see a investment link through the investment change in there. So if you do wanna go back later, that's that document. Yep. So if you can then scroll through page six, you should see that table where it says our advice to you now. Yep. So this just outlines the strategies themselves. So like I said, I have recommended that you both retain hub twenty four and literally just change your investment and a bit of estate planning. Now I'll get you guys to kind of scroll through. You'll have some information about your assets and liabilities. That's just from the back line. You will see your superannuation, your insurances. I won't go through that again because we kinda went through all of that during the annual review. But if you can then stop on page 11 where it says your risk profile. Yep. Sorry. We're not making any changes to either of your risk profile. We are keeping it aligning with our growth portfolio. It's still very suitable for where you guys are at, how much time you have until retirement, and the level of risk you guys are comfortable with for not making any changes in regards to that. And these couple of pages just gives you some some information in regards to that growth profile again for you. Now that then takes us to page 13, which actually outlines the recommendation as themselves. But I usually find it easier if you wanna scroll down to page 17, and that is for you first, Andrew. Yep. So what I have recommended, now this is the same for both of you, is to stay in hub twenty four and change your investments. Now I did do research on both hub twenty four and a lot of different options as well just to make sure hub twenty four is still going to be the best option for both of you because there are always new products and features that comes out. So it is good to assess it every now and then just to make sure we have you in the best option. And at the moment, Hub twenty four is very competitive when it comes to pricing features, but also investment choices. So I have recommended that you both stay with Hub twenty four. Now I use Hub twenty four for my personal super as well, and it is very competitive, like I said, with with fees and options. So not making any changes in regards to that. But for you, Andrew, by making just the investment change, and it's literally just one change and rebalancing your portfolio, you can see that the total cost is a little bit cheaper for you by literally just swapping out that Benelon investment I touched on briefly last time. So it is reducing the fees a little bit, which is great. So now that is a yearly fee saving. And you can see as well the performance is slightly better. Now like I touched on last time as well, hub twenty four had sorry. Your current portfolio with Benelon has performed really well historically. So this is using a five year rolling average to give you a bit more certainty of the portfolio. And when we are looking at a little bit more longer term, Benelon was very competitive. But more recently, they have underperformed a little bit. So when we are looking more short term, it is not as competitive. And then we believe also moving forward that they are not going to be as competitive as the option we have recommended. So even though it only looks like it's a little bit of a change, if you scroll down through page 18, you can then see that is a little bit of a bigger change when we are looking at your twelve month period. Can you see that? Yep. Now you can also see if you scroll back up to page 17 again, it is then just projected five and ten years for you, and it is making a little bit of a change. There was nothing drastic that we had to change with your recommendation or strategy. It was doing really well for you. Literally just swapping out one investment that was underperforming and rebalancing. Now what the pages that you scrolled past before outlines the advantages in regards to it, which I've kind of touched on as well, but then also some disadvantages and risks to be mindful of. Now one of the disadvantage is that every time we do make an investment change, so if we are selling any investments, there will be some capital gains tax associated with it. Now we've kinda keep it as little as possible for you, and it does change on a daily, but it is roughly $233, which is on the top line where it says the balance, and you see the difference. That's what that is. Does that make sense? Yep. Perfect. Now for you, Hailey, it is basically exactly the same, but obviously tailored for your super balance. So that is page 19. So, again, making that couple of change now on a higher balance, it makes a bigger difference as well when it comes to the the fee. You'll still save a little bit, though, which is good. So your total fee saving is about $96. The capital gains tax is a little bit less too, which is good, about $43. Yep. Again, you can then see on the following page projected forward five and ten years. And, again, similar with the investment returns outlined underneath that. That all makes sense so far for you as well, Hailey? Yes. Perfect. Now on the next page, and it is the same for both of you. It's just different figures because, again, you have different balances, but it is outlining the investment change. So you will see on the first column can you see that investment table first? Yep. So you can see all your current investments. You can see the current weight, how that represents from a balance point of view, and then the buy and sell. So the one thing that we are completely changing there for you is let me just see if I can see it here, is that we are changing the the Benelong for $8,200. So you will see here the the BetaShares Australia two hundred has been added instead of the Bennelong Australian Equities. That is the biggest change, and that is that one I passed on last time, which is the Bennelong investment that was underperforming, having a bit more of that active component in buying and selling different investments. But why when we did swap that out, we wanted to make sure we still keep you in line with your asset allocation and keep you very diversified. So we wanted to find another option to swap it for in Australia. But the BetaShares Australia two hundred, the way that that one works a little bit different, which is why it's a little bit cheaper, is that it invests in the 200 largest companies listed on the ASX. So you'll have all your big banks and Commonwealth. You will have BHP, Woolworths, for example, all the big companies to make it very diversified. And as a company kind of grows and gets into those top 200, it gets added. And as something gets smaller, it kind of falls out. Does that make sense? Yep. Perfect. Now the other change you can see, it is just rebalancing your portfolio. And by what I mean by that is that over time, different investments perform differently. And as a result, the mix of investments in your super can gradually move away from the strategy that we originally set out to match your goals and your risk tolerance. So, basically, rebalancing, it just means adjusting the portfolio back to its target allocation so that it does continue to reflect the level of risk returns that is appropriate for you. Does that also make sense? Yeah. Perfect. So, otherwise, your only change that the only major change is just been along for the a 200, which is reflected here, and that is exactly the same for you, Hailey, which is the table underneath it. Now what that then looks like in terms of the asset allocation, you can see on the next couple of pages. So first, you'll have your situation, Andrew. Again, you can see your risk profile aiming for about that eighty twenty split, but they can vary between 80 up to 90 and then 20 to 10. Your existing portfolio and then the proposed. So you can see that the proposed is slightly less in growth, still very much keeping you aligning with your growth profile and still making sure that those returns are improved a little bit as well. So just making it slightly more defensive, so a little bit less fluctuations, which is good, while still maintaining that growth aspect. Does that all make sense as well? Yep. Perfect. Now exactly the same for you, Hailey. Risk profile existing and proposed as well. Just having, showing it tailored for both of you. And that was essentially your super investment. So pretty straightforward. Just the one investment change and rebalancing both of your portfolios back into alignment. And then I have also included the information in regards to beneficiary nominations. So it is important that we do get that sorted for both of you as well. And by nominating each other, it is a 100% tax free if something were to happen to either of you. Yep. Now we touched on that a little bit last time, so I won't go through all of that. But, again, it is outlined for you on the next couple of pages. And as you scroll through, you will also see that I have included some information in regards to setting up a will, as well as power of attorney. It is something I always recommend to everyone to have a bit of a, look at and consider. So I've just included that information for you, which then takes us basically through the end, which is just the remuneration side, and that is page 35. Yep. Now like I touched on during the under review as well, there is no changes in regards to the fee structure. Because both of you are a client, it is reduced at 1.1 from super. That stays exactly the same. Now I have also included here for you just to show you, Andrew, that with your Clearview insurances, we do get a commission on the premium, but that is ClearView paying us. It is not you paying us. It's the same for every single insurer out there, so it doesn't sway us in any way to recommend one provider over the other before compliance purposes so that you are fully aware it is included there for you. But, again, that is not you paying that amount. Does that make sense? Yep. Perfect. And that is essentially everything. So the last couple of pages will show the authority to proceed and then how to implement the advice. So if you guys are happy to go ahead with the investment change, we will do all of that for you. We will just need you to sign the document if you are happy to do so. But if you guys want to take some time and have a bit of a read over it as well, you are more than welcome to do that. Yep. Perfect. Now do you guys have any questions at all in regards to any of that, or that was pretty straightforward? Not too many changes today? Yeah. Alright. Perfect. Well, if you guys don't have any other questions, I will let you go, and enjoy the rest of your evening. Like I said, feel free to have a read over the documents. If you're happy to do so, just add your signature. It will be one for each of you. Once you've added the signature and the date and press validate, it should then automatically send it back to me. And that lets me know if you are happy to go ahead, and I will let the team know we can make that one investment switch for you. Okay. Perfect. And I think it will also ask you, Hailey, as well before it kind of comes through. Sometimes it gets stuck on the text box as well, so let me know if you could do have that issue. Yep. It usually comes through pretty quick, but let me refresh sometimes this time of the night. Tend to be a little bit slower for some reason. Did it finish loading for you, Andrew? Do you have different service, like, different networks, or you're just on that phone? Yeah. Yep. Perfect. I can see that, Andrew, yours just came through, and then I'm sure yours, Haley, will come through shortly as well if that just finished. So I'll keep a lookout for that. I'll let the team know, and we'll go ahead and make this switch for you. If you guys have any questions or need anything at any point in time, though, don't hesitate to give me a call or send me an email, and we can always book you in for another catch up. Yep. Beautiful. Well, thank you so much for your time this evening, and I hope you yes? Oh, beautiful. Yes. I can see yep. I can see here that it has been fully signed, for for both of you, which is great. And, yeah, you can download a copy if you do wanna have a read over it. If not, we always have a copy on file as well if you ever need it. Yep. Beautiful. Well, thank you so much, and you enjoy the rest of your evening. Mhmm. Thank you. 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afternoon. Is this Andrew? This is Veronica from Mercy Financial. How are you? That's good.\n\nDo I have Hailey there as well? Yep. Perfect. Now like I told Hailey, I did have you guys booked in. It is a pretty quick one today just to go over the research I did on your super investment.\n\nDo you guys remember that conversation? Yep. Perfect. Now I do have to let you guys know that the calls are being recorded for quality and coaching purposes, if that's okay. Perfect.\n\nAnd I do have a password on file for both of you. Do you know where that is? Yep. And yeah. Exactly.\n\nPerfect. Now do either of you have access to your emails at the moment? Yeah. So I have sent you both the same documents. Just a a copy each just with the recommendation.\n\nIt is the same one. So even if you wanna look on on one phone or both of you, it's up to you. Okay. Perfect. And did you get that email as well, Hailey?\n\nYep. Okay. Perfect. Now I have made some recommendation on a couple of investment switches for you. It is pretty straightforward today.\n\nNow every time we do make a recommendation, we have to put everything in a statement of advice for you so that you fully understand everything. Now a lot of it is just for compliance purposes, and it is pretty straightforward today. So you will see that it is 40 pages. I won't go through all of that with you because, otherwise, I'll keep you here for a while. I'll go through the main points, and then you guys can have a read over it in your own time.\n\nIs that okay? Yep. Perfect. Now on the cover page here, you can see that this has been tailored through both of you. You can also see my details listed on the cover page.\n\nYou'll see my authorized representative number listed as well, and I am licensed under OCU Financial. Now if you wanna scroll to the second page, you will see the best interest due to I outline. Can you see that? Page two. Yep.\n\nHave you either of you heard of this before? No. Essentially, what it means is that we have to act in your best interest at all time, and the advice itself has to put you in a better position. Otherwise, we can't actually make the recommendation. So, essentially, there's a lot of laws and legislation in place to protect you guys, essentially.\n\nNow as you scroll through, you will see scope of advice, which is page three. Basically, what that means and refers to is the areas we are looking at today. So like I said, pretty straightforward. We are just looking at your superannuation, specifically your investments to see if we could complete any of these changes. And I have also included a bit of a state planning as well just to make sure we get everything set up for you.\n\nOtherwise, not making any changes in regards to insurances. Just literally that's due for under state planning. Does that make sense? Yep. Perfect.\n\nSo if you guys wanna then scroll down to page six, you should see a little table where it says our advice to you. Just let me know if you can see that. Can you guys see that okay? If you click on the link where it says sign now you're probably what are you talking about about? I'm glad you said something.\n\nNo. If you wanna click on the yeah. Now the one that you were in is the appendix. So that further research goes in, and you will also see a investment link through the investment change in there. So if you do wanna go back later, that's that document.\n\nYep. So if you can then scroll through page six, you should see that table where it says our advice to you now. Yep. So this just outlines the strategies themselves. So like I said, I have recommended that you both retain hub twenty four and literally just change your investment and a bit of estate planning.\n\nNow I'll get you guys to kind of scroll through. You'll have some information about your assets and liabilities. That's just from the back line. You will see your superannuation, your insurances. I won't go through that again because we kinda went through all of that during the annual review.\n\nBut if you can then stop on page 11 where it says your risk profile. Yep. Sorry. We're not making any changes to either of your risk profile. We are keeping it aligning with our growth portfolio.\n\nIt's still very suitable for where you guys are at, how much time you have until retirement, and the level of risk you guys are comfortable with for not making any changes in regards to that. And these couple of pages just gives you some some information in regards to that growth profile again for you. Now that then takes us to page 13, which actually outlines the recommendation as themselves. But I usually find it easier if you wanna scroll down to page 17, and that is for you first, Andrew. Yep.\n\nSo what I have recommended, now this is the same for both of you, is to stay in hub twenty four and change your investments. Now I did do research on both hub twenty four and a lot of different options as well just to make sure hub twenty four is still going to be the best option for both of you because there are always new products and features that comes out. So it is good to assess it every now and then just to make sure we have you in the best option. And at the moment, Hub twenty four is very competitive when it comes to pricing features, but also investment choices. So I have recommended that you both stay with Hub twenty four.\n\nNow I use Hub twenty four for my personal super as well, and it is very competitive, like I said, with with fees and options. So not making any changes in regards to that. But for you, Andrew, by making just the investment change, and it's literally just one change and rebalancing your portfolio, you can see that the total cost is a little bit cheaper for you by literally just swapping out that Benelon investment I touched on briefly last time. So it is reducing the fees a little bit, which is great. So now that is a yearly fee saving.\n\nAnd you can see as well the performance is slightly better. Now like I touched on last time as well, hub twenty four had sorry. Your current portfolio with Benelon has performed really well historically. So this is using a five year rolling average to give you a bit more certainty of the portfolio. And when we are looking at a little bit more longer term, Benelon was very competitive.\n\nBut more recently, they have underperformed a little bit. So when we are looking more short term, it is not as competitive. And then we believe also moving forward that they are not going to be as competitive as the option we have recommended. So even though it only looks like it's a little bit of a change, if you scroll down through page 18, you can then see that is a little bit of a bigger change when we are looking at your twelve month period. Can you see that?\n\nYep. Now you can also see if you scroll back up to page 17 again, it is then just projected five and ten years for you, and it is making a little bit of a change. There was nothing drastic that we had to change with your recommendation or strategy. It was doing really well for you. Literally just swapping out one investment that was underperforming and rebalancing.\n\nNow what the pages that you scrolled past before outlines the advantages in regards to it, which I've kind of touched on as well, but then also some disadvantages and risks to be mindful of. Now one of the disadvantage is that every time we do make an investment change, so if we are selling any investments, there will be some capital gains tax associated with it. Now we've kinda keep it as little as possible for you, and it does change on a daily, but it is roughly $233, which is on the top line where it says the balance, and you see the difference. That's what that is. Does that make sense?\n\nYep. Perfect. Now for you, Hailey, it is basically exactly the same, but obviously tailored for your super balance. So that is page 19. So, again, making that couple of change now on a higher balance, it makes a bigger difference as well when it comes to the the fee.\n\nYou'll still save a little bit, though, which is good. So your total fee saving is about $96. The capital gains tax is a little bit less too, which is good, about $43. Yep. Again, you can then see on the following page projected forward five and ten years.\n\nAnd, again, similar with the investment returns outlined underneath that. That all makes sense so far for you as well, Hailey? Yes. Perfect. Now on the next page, and it is the same for both of you.\n\nIt's just different figures because, again, you have different balances, but it is outlining the investment change. So you will see on the first column can you see that investment table first? Yep. So you can see all your current investments. You can see the current weight, how that represents from a balance point of view, and then the buy and sell.\n\nSo the one thing that we are completely changing there for you is let me just see if I can see it here, is that we are changing the the Benelong for $8,200. So you will see here the the BetaShares Australia two hundred has been added instead of the Bennelong Australian Equities. That is the biggest change, and that is that one I passed on last time, which is the Bennelong investment that was underperforming, having a bit more of that active component in buying and selling different investments. But why when we did swap that out, we wanted to make sure we still keep you in line with your asset allocation and keep you very diversified. So we wanted to find another option to swap it for in Australia.\n\nBut the BetaShares Australia two hundred, the way that that one works a little bit different, which is why it's a little bit cheaper, is that it invests in the 200 largest companies listed on the ASX. So you'll have all your big banks and Commonwealth. You will have BHP, Woolworths, for example, all the big companies to make it very diversified. And as a company kind of grows and gets into those top 200, it gets added. And as something gets smaller, it kind of falls out.\n\nDoes that make sense? Yep. Perfect. Now the other change you can see, it is just rebalancing your portfolio. And by what I mean by that is that over time, different investments perform differently.\n\nAnd as a result, the mix of investments in your super can gradually move away from the strategy that we originally set out to match your goals and your risk tolerance. So, basically, rebalancing, it just means adjusting the portfolio back to its target allocation so that it does continue to reflect the level of risk returns that is appropriate for you. Does that also make sense? Yeah. Perfect.\n\nSo, otherwise, your only change that the only major change is just been along for the a 200, which is reflected here, and that is exactly the same for you, Hailey, which is the table underneath it. Now what that then looks like in terms of the asset allocation, you can see on the next couple of pages. So first, you'll have your situation, Andrew. Again, you can see your risk profile aiming for about that eighty twenty split, but they can vary between 80 up to 90 and then 20 to 10. Your existing portfolio and then the proposed.\n\nSo you can see that the proposed is slightly less in growth, still very much keeping you aligning with your growth profile and still making sure that those returns are improved a little bit as well. So just making it slightly more defensive, so a little bit less fluctuations, which is good, while still maintaining that growth aspect. Does that all make sense as well? Yep. Perfect.\n\nNow exactly the same for you, Hailey. Risk profile existing and proposed as well. Just having, showing it tailored for both of you. And that was essentially your super investment. So pretty straightforward.\n\nJust the one investment change and rebalancing both of your portfolios back into alignment. And then I have also included the information in regards to beneficiary nominations. So it is important that we do get that sorted for both of you as well. And by nominating each other, it is a 100% tax free if something were to happen to either of you. Yep.\n\nNow we touched on that a little bit last time, so I won't go through all of that. But, again, it is outlined for you on the next couple of pages. And as you scroll through, you will also see that I have included some information in regards to setting up a will, as well as power of attorney. It is something I always recommend to everyone to have a bit of a, look at and consider. So I've just included that information for you, which then takes us basically through the end, which is just the remuneration side, and that is page 35.\n\nYep. Now like I touched on during the under review as well, there is no changes in regards to the fee structure. Because both of you are a client, it is reduced at 1.1 from super. That stays exactly the same. Now I have also included here for you just to show you, Andrew, that with your Clearview insurances, we do get a commission on the premium, but that is ClearView paying us.\n\nIt is not you paying us. It's the same for every single insurer out there, so it doesn't sway us in any way to recommend one provider over the other before compliance purposes so that you are fully aware it is included there for you. But, again, that is not you paying that amount. Does that make sense? Yep.\n\nPerfect. And that is essentially everything. So the last couple of pages will show the authority to proceed and then how to implement the advice. So if you guys are happy to go ahead with the investment change, we will do all of that for you. We will just need you to sign the document if you are happy to do so.\n\nBut if you guys want to take some time and have a bit of a read over it as well, you are more than welcome to do that. Yep. Perfect. Now do you guys have any questions at all in regards to any of that, or that was pretty straightforward? Not too many changes today?\n\nYeah. Alright. Perfect. Well, if you guys don't have any other questions, I will let you go, and enjoy the rest of your evening. Like I said, feel free to have a read over the documents.\n\nIf you're happy to do so, just add your signature. It will be one for each of you. Once you've added the signature and the date and press validate, it should then automatically send it back to me. And that lets me know if you are happy to go ahead, and I will let the team know we can make that one investment switch for you. Okay.\n\nPerfect. And I think it will also ask you, Hailey, as well before it kind of comes through. Sometimes it gets stuck on the text box as well, so let me know if you could do have that issue. Yep. It usually comes through pretty quick, but let me refresh sometimes this time of the night.\n\nTend to be a little bit slower for some reason. Did it finish loading for you, Andrew? Do you have different service, like, different networks, or you're just on that phone? Yeah. Yep.\n\nPerfect. I can see that, Andrew, yours just came through, and then I'm sure yours, Haley, will come through shortly as well if that just finished. So I'll keep a lookout for that. I'll let the team know, and we'll go ahead and make this switch for you. If you guys have any questions or need anything at any point in time, though, don't hesitate to give me a call or send me an email, and we can always book you in for another catch up.\n\nYep. Beautiful. Well, thank you so much for your time this evening, and I hope you yes? Oh, beautiful. Yes.\n\nI can see yep. I can see here that it has been fully signed, for for both of you, which is great. And, yeah, you can download a copy if you do wanna have a read over it. If not, we always have a copy on file as well if you ever need it. Yep.\n\nBeautiful. Well, thank you so much, and you enjoy the rest of your evening. Mhmm. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":1.52,"end":2.24,"sentiment":"positive","sentiment_score":0.3690425455570221},{"text":"Is this Andrew?","start":2.24,"end":3.06,"sentiment":"neutral","sentiment_score":0.31558258334795636},{"text":"This is Veronica from Mercy Financial.","start":4.64,"end":6.66,"sentiment":"neutral","sentiment_score":0.19162374983231226},{"text":"How are you?","start":6.7999997,"end":7.62,"sentiment":"neutral","sentiment_score":0.2090336481730143},{"text":"That's good.","start":9.04,"end":9.86,"sentiment":"positive","sentiment_score":0.5478355288505554}],"sentiment":"neutral","sentiment_score":0.2848342088982463,"num_words":16,"start":1.52,"end":9.86},{"sentences":[{"text":"Do I have Hailey there as well?","start":9.92,"end":11.7,"sentiment":"neutral","sentiment_score":0.11225777970893043},{"text":"Yep.","start":12.815001,"end":13.315001,"sentiment":"neutral","sentiment_score":0.18248450756073},{"text":"Perfect.","start":13.455,"end":13.955,"sentiment":"positive","sentiment_score":0.5349668860435486},{"text":"Now like I told Hailey, I did have you guys booked in.","start":15.215,"end":18.095001,"sentiment":"neutral","sentiment_score":0.2689601220190525},{"text":"It is a pretty quick one today just to go over the research I did on your super investment.","start":18.095001,"end":23.075,"sentiment":"positive","sentiment_score":0.3348136301103391}],"sentiment":"neutral","sentiment_score":0.27730590719729664,"num_words":40,"start":9.92,"end":23.075},{"sentences":[{"text":"Do you guys remember that conversation?","start":23.935001,"end":25.635,"sentiment":"neutral","sentiment_score":0.0373699925839901},{"text":"Yep.","start":27.210001,"end":27.710001,"sentiment":"neutral","sentiment_score":0.1293453425168991},{"text":"Perfect.","start":27.77,"end":28.27,"sentiment":"positive","sentiment_score":0.3509698212146759},{"text":"Now I do have to let you guys know that the calls are being recorded for quality and coaching purposes, if that's okay.","start":29.05,"end":35.31,"sentiment":"neutral","sentiment_score":0.10821883639563686},{"text":"Perfect.","start":36.81,"end":37.21,"sentiment":"positive","sentiment_score":0.34723347425460815}],"sentiment":"neutral","sentiment_score":0.11065005720593035,"num_words":32,"start":23.935001,"end":37.21},{"sentences":[{"text":"And I do have a password on file for both of you.","start":37.21,"end":39.85,"sentiment":"neutral","sentiment_score":0.15962680553396544},{"text":"Do you know where that is?","start":39.85,"end":41.145,"sentiment":"neutral","sentiment_score":0.053918756544589996},{"text":"Yep.","start":43.705,"end":44.205,"sentiment":"neutral","sentiment_score":0.04922374710440636},{"text":"And yeah.","start":44.585,"end":46.265,"sentiment":"neutral","sentiment_score":0.07585551589727402},{"text":"Exactly.","start":46.265,"end":46.765,"sentiment":"neutral","sentiment_score":0.1459205150604248}],"sentiment":"neutral","sentiment_score":0.11754043180156838,"num_words":22,"start":37.21,"end":46.765},{"sentences":[{"text":"Perfect.","start":47.065002,"end":47.565002,"sentiment":"neutral","sentiment_score":0.2636266350746155},{"text":"Now do either of you have access to your emails at the moment?","start":48.985,"end":53.405,"sentiment":"neutral","sentiment_score":0.047050888721759505},{"text":"Yeah.","start":55.6,"end":56.0,"sentiment":"neutral","sentiment_score":0.07530707120895386},{"text":"So I have sent you both the same documents.","start":56.0,"end":58.739998,"sentiment":"neutral","sentiment_score":0.10332684632804659},{"text":"Just a a copy each just with the recommendation.","start":60.32,"end":63.94,"sentiment":"neutral","sentiment_score":0.11509853932592604}],"sentiment":"neutral","sentiment_score":0.08837647668339989,"num_words":33,"start":47.065002,"end":63.94},{"sentences":[{"text":"It is the same one.","start":65.28,"end":66.82,"sentiment":"neutral","sentiment_score":0.1480796992778778},{"text":"So even if you wanna look on on one phone or both of you, it's up to you.","start":67.115005,"end":71.455,"sentiment":"neutral","sentiment_score":0.07945348198215167},{"text":"Okay.","start":75.435005,"end":75.83501,"sentiment":"neutral","sentiment_score":0.1536172181367874},{"text":"Perfect.","start":75.83501,"end":76.33501,"sentiment":"neutral","sentiment_score":0.2225362658500671},{"text":"And did you get that email as well, Hailey?","start":76.635,"end":78.735,"sentiment":"neutral","sentiment_score":0.0958029685748948}],"sentiment":"neutral","sentiment_score":0.10026298156555961,"num_words":34,"start":65.28,"end":78.735},{"sentences":[{"text":"Yep.","start":79.93,"end":80.33,"sentiment":"neutral","sentiment_score":0.10645723342895508},{"text":"Okay.","start":80.33,"end":80.83,"sentiment":"neutral","sentiment_score":0.18697534501552585},{"text":"Perfect.","start":80.89,"end":81.39,"sentiment":"neutral","sentiment_score":0.32993364334106445},{"text":"Now I have made some recommendation on a couple of investment switches for you.","start":82.490005,"end":88.270004,"sentiment":"neutral","sentiment_score":0.24477114847728185},{"text":"It is pretty straightforward today.","start":88.41,"end":90.91,"sentiment":"positive","sentiment_score":0.35920981764793397}],"sentiment":"neutral","sentiment_score":0.26573688130487094,"num_words":22,"start":79.93,"end":90.91},{"sentences":[{"text":"Now every time we do make a recommendation, we have to put everything in a statement of advice for you so that you fully understand everything.","start":91.555,"end":99.655,"sentiment":"neutral","sentiment_score":0.2087298923960099},{"text":"Now a lot of it is just for compliance purposes, and it is pretty straightforward today.","start":100.274994,"end":105.31,"sentiment":"neutral","sentiment_score":0.27878791745752096},{"text":"So you will see that it is 40 pages.","start":105.369995,"end":107.63,"sentiment":"neutral","sentiment_score":0.14473610868056616},{"text":"I won't go through all of that with you because, otherwise, I'll keep you here for a while.","start":107.85,"end":111.28999,"sentiment":"neutral","sentiment_score":0.0956546827736828},{"text":"I'll go through the main points, and then you guys can have a read over it in your own time.","start":111.28999,"end":115.13,"sentiment":"neutral","sentiment_score":0.1359115269035101}],"sentiment":"neutral","sentiment_score":0.1756204908734627,"num_words":89,"start":91.555,"end":115.13},{"sentences":[{"text":"Is that okay?","start":115.13,"end":115.965,"sentiment":"neutral","sentiment_score":0.11788375427325566},{"text":"Yep.","start":117.005,"end":117.505,"sentiment":"neutral","sentiment_score":0.0994040220975876},{"text":"Perfect.","start":117.725,"end":118.225,"sentiment":"neutral","sentiment_score":0.11928095668554306},{"text":"Now on the cover page here, you can see that this has been tailored through both of you.","start":118.284996,"end":123.325,"sentiment":"neutral","sentiment_score":0.19812605240278774},{"text":"You can also see my details listed on the cover page.","start":123.325,"end":126.465,"sentiment":"neutral","sentiment_score":0.17272644964131442}],"sentiment":"neutral","sentiment_score":0.177605768556104,"num_words":34,"start":115.13,"end":126.465},{"sentences":[{"text":"You'll see my authorized representative number listed as well, and I am licensed under OCU Financial.","start":126.765,"end":132.78,"sentiment":"neutral","sentiment_score":0.15385694010183215},{"text":"Now if you wanna scroll to the second page, you will see the best interest due to I outline.","start":133.48001,"end":138.54001,"sentiment":"neutral","sentiment_score":0.16657958140498713},{"text":"Can you see that?","start":138.6,"end":139.66,"sentiment":"neutral","sentiment_score":0.11015290394425392},{"text":"Page two.","start":144.85501,"end":145.595,"sentiment":"neutral","sentiment_score":-0.021666074637323618},{"text":"Yep.","start":147.175,"end":147.675,"sentiment":"neutral","sentiment_score":0.024002280086278915}],"sentiment":"neutral","sentiment_score":0.14400011511696947,"num_words":42,"start":126.765,"end":147.675},{"sentences":[{"text":"Have you either of you heard of this before?","start":148.455,"end":150.315,"sentiment":"neutral","sentiment_score":0.008654772200518183},{"text":"No.","start":155.015,"end":155.515,"sentiment":"neutral","sentiment_score":-0.17015983164310455},{"text":"Essentially, what it means is that we have to act in your best interest at all time, and the advice itself has to put you in a better position.","start":156.05501,"end":163.97,"sentiment":"neutral","sentiment_score":-0.03588893238840432},{"text":"Otherwise, we can't actually make the recommendation.","start":164.03,"end":166.29,"sentiment":"neutral","sentiment_score":-0.2713332772254944},{"text":"So, essentially, there's a lot of laws and legislation in place to protect you guys, essentially.","start":166.83,"end":171.01,"sentiment":"neutral","sentiment_score":-0.04237475275294855}],"sentiment":"neutral","sentiment_score":-0.05984475654399683,"num_words":62,"start":148.455,"end":171.01},{"sentences":[{"text":"Now as you scroll through, you will see scope of advice, which is page three.","start":173.805,"end":181.185,"sentiment":"neutral","sentiment_score":0.12856276879707973},{"text":"Basically, what that means and refers to is the areas we are looking at today.","start":182.045,"end":187.25,"sentiment":"neutral","sentiment_score":0.1514801780382792},{"text":"So like I said, pretty straightforward.","start":187.70999,"end":189.56999,"sentiment":"neutral","sentiment_score":0.2533078690369924},{"text":"We are just looking at your superannuation, specifically your investments to see if we could complete any of these changes.","start":189.62999,"end":196.20999,"sentiment":"neutral","sentiment_score":0.21759224385023118},{"text":"And I have also included a bit of a state planning as well just to make sure we get everything set up for you.","start":197.47,"end":203.895,"sentiment":"neutral","sentiment_score":0.24940639858444533}],"sentiment":"neutral","sentiment_score":0.2007261232472956,"num_words":80,"start":173.805,"end":203.895},{"sentences":[{"text":"Otherwise, not making any changes in regards to insurances.","start":204.435,"end":207.655,"sentiment":"neutral","sentiment_score":-0.003253072758929597},{"text":"Just literally that's due for under state planning.","start":208.595,"end":210.935,"sentiment":"neutral","sentiment_score":0.12002338469028473},{"text":"Does that make sense?","start":211.155,"end":212.215,"sentiment":"neutral","sentiment_score":0.1118555087596178},{"text":"Yep.","start":213.315,"end":213.715,"sentiment":"neutral","sentiment_score":0.21845392882823944},{"text":"Perfect.","start":213.715,"end":214.215,"sentiment":"positive","sentiment_score":0.4489712119102478}],"sentiment":"neutral","sentiment_score":0.08894593906386392,"num_words":23,"start":204.435,"end":214.215},{"sentences":[{"text":"So if you guys wanna then scroll down to page six, you should see a little table where it says our advice to you.","start":214.84,"end":222.45999,"sentiment":"neutral","sentiment_score":0.20770281677444777},{"text":"Just let me know if you can see that.","start":228.455,"end":230.315,"sentiment":"neutral","sentiment_score":0.19283249146408504},{"text":"Can you guys see that okay?","start":239.67001,"end":241.05,"sentiment":"neutral","sentiment_score":0.12806384389599165},{"text":"If you click on the link where it says sign now you're probably what are you talking about about?","start":248.47,"end":257.405,"sentiment":"neutral","sentiment_score":-0.05966566483441152},{"text":"I'm glad you said something.","start":258.985,"end":260.10498,"sentiment":"neutral","sentiment_score":0.1574665516614914}],"sentiment":"neutral","sentiment_score":0.11337187643798571,"num_words":63,"start":214.84,"end":260.10498},{"sentences":[{"text":"No.","start":260.10498,"end":260.345,"sentiment":"neutral","sentiment_score":-0.017067445442080498},{"text":"If you wanna click on the yeah.","start":260.345,"end":263.305,"sentiment":"neutral","sentiment_score":0.05692055289234434},{"text":"Now the one that you were in is the appendix.","start":263.305,"end":266.365,"sentiment":"neutral","sentiment_score":0.09992343485355377},{"text":"So that further research goes in, and you will also see a investment link through the investment change in there.","start":266.585,"end":275.22,"sentiment":"neutral","sentiment_score":0.13495765812695026},{"text":"So if you do wanna go back later, that's that document.","start":275.22,"end":277.72,"sentiment":"neutral","sentiment_score":0.13126905262470245}],"sentiment":"neutral","sentiment_score":0.11272905132144082,"num_words":49,"start":260.10498,"end":277.72},{"sentences":[{"text":"Yep.","start":279.22,"end":279.72,"sentiment":"neutral","sentiment_score":0.19632522761821747},{"text":"So if you can then scroll through page six, you should see that table where it says our advice to you now.","start":280.58,"end":287.135,"sentiment":"neutral","sentiment_score":0.1960504021156918},{"text":"Yep.","start":295.37,"end":295.87,"sentiment":"neutral","sentiment_score":0.2206284999847412},{"text":"So this just outlines the strategies themselves.","start":296.49,"end":299.22998,"sentiment":"positive","sentiment_score":0.3424373524529593},{"text":"So like I said, I have recommended that you both retain hub twenty four and literally just change your investment and a bit of estate planning.","start":299.28998,"end":309.66498,"sentiment":"positive","sentiment_score":0.44151715819652265}],"sentiment":"neutral","sentiment_score":0.32643105534085054,"num_words":57,"start":279.22,"end":309.66498},{"sentences":[{"text":"Now I'll get you guys to kind of scroll through.","start":310.04498,"end":312.525,"sentiment":"neutral","sentiment_score":0.19349236339330672},{"text":"You'll have some information about your assets and liabilities.","start":312.525,"end":316.38498,"sentiment":"neutral","sentiment_score":0.17556698620319366},{"text":"That's just from the back line.","start":316.685,"end":318.305,"sentiment":"neutral","sentiment_score":0.20436015476783118},{"text":"You will see your superannuation, your insurances.","start":319.00497,"end":321.745,"sentiment":"neutral","sentiment_score":0.173020995088986},{"text":"I won't go through that again because we kinda went through all of that during the annual review.","start":321.88498,"end":326.18,"sentiment":"neutral","sentiment_score":0.10157589697175556}],"sentiment":"neutral","sentiment_score":0.15561401098966599,"num_words":50,"start":310.04498,"end":326.18},{"sentences":[{"text":"But if you can then stop on page 11 where it says your risk profile.","start":326.88,"end":332.34,"sentiment":"neutral","sentiment_score":0.031152922535936038},{"text":"Yep.","start":336.73502,"end":337.23502,"sentiment":"neutral","sentiment_score":0.11580276489257812},{"text":"Sorry.","start":337.77502,"end":338.095,"sentiment":"neutral","sentiment_score":-0.00036856532096862793},{"text":"We're not making any changes to either of your risk profile.","start":338.095,"end":341.695,"sentiment":"neutral","sentiment_score":-0.15044984991916202},{"text":"We are keeping it aligning with our growth portfolio.","start":341.695,"end":344.755,"sentiment":"neutral","sentiment_score":0.23576663268937004}],"sentiment":"neutral","sentiment_score":0.028369713046059414,"num_words":37,"start":326.88,"end":344.755},{"sentences":[{"text":"It's still very suitable for where you guys are at, how much time you have until retirement, and the level of risk you guys are comfortable with for not making any changes in regards to that.","start":345.21503,"end":355.88,"sentiment":"neutral","sentiment_score":0.14977919393115574},{"text":"And these couple of pages just gives you some some information in regards to that growth profile again for you.","start":355.88,"end":362.78,"sentiment":"neutral","sentiment_score":0.19918900802731515},{"text":"Now that then takes us to page 13, which actually outlines the recommendation as themselves.","start":363.85498,"end":370.275,"sentiment":"neutral","sentiment_score":0.19998804827531177},{"text":"But I usually find it easier if you wanna scroll down to page 17, and that is for you first, Andrew.","start":370.815,"end":381.45,"sentiment":"neutral","sentiment_score":0.26057195308662595},{"text":"Yep.","start":384.87,"end":385.37,"sentiment":"neutral","sentiment_score":0.26645228266716003}],"sentiment":"neutral","sentiment_score":0.1947754318675687,"num_words":93,"start":345.21503,"end":385.37},{"sentences":[{"text":"So what I have recommended, now this is the same for both of you, is to stay in hub twenty four and change your investments.","start":385.43,"end":393.495,"sentiment":"positive","sentiment_score":0.38314431488513945},{"text":"Now I did do research on both hub twenty four and a lot of different options as well just to make sure hub twenty four is still going to be the best option for both of you because there are always new products and features that comes out.","start":393.555,"end":408.09,"sentiment":"positive","sentiment_score":0.4095553494989872},{"text":"So it is good to assess it every now and then just to make sure we have you in the best option.","start":408.09,"end":413.71,"sentiment":"positive","sentiment_score":0.4408276216550307},{"text":"And at the moment, Hub twenty four is very competitive when it comes to pricing features, but also investment choices.","start":414.09,"end":422.715,"sentiment":"positive","sentiment_score":0.48853453397750857},{"text":"So I have recommended that you both stay with Hub twenty four.","start":422.85498,"end":426.235,"sentiment":"positive","sentiment_score":0.5396554271380106}],"sentiment":"positive","sentiment_score":0.43450415850154994,"num_words":127,"start":385.43,"end":426.235},{"sentences":[{"text":"Now I use Hub twenty four for my personal super as well, and it is very competitive, like I said, with with fees and options.","start":426.455,"end":433.275,"sentiment":"positive","sentiment_score":0.615153375864029},{"text":"So not making any changes in regards to that.","start":433.86002,"end":437.08002,"sentiment":"neutral","sentiment_score":0.13194596684641308},{"text":"But for you, Andrew, by making just the investment change, and it's literally just one change and rebalancing your portfolio, you can see that the total cost is a little bit cheaper for you by literally just swapping out that Benelon investment I touched on briefly last time.","start":437.38,"end":455.26498,"sentiment":"neutral","sentiment_score":0.23140255842978755},{"text":"So it is reducing the fees a little bit, which is great.","start":456.28497,"end":459.00497,"sentiment":"positive","sentiment_score":0.5515356784065565},{"text":"So now that is a yearly fee saving.","start":459.00497,"end":462.35,"sentiment":"positive","sentiment_score":0.6209029704332352}],"sentiment":"positive","sentiment_score":0.38489532163914514,"num_words":102,"start":426.455,"end":462.35},{"sentences":[{"text":"And you can see as well the performance is slightly better.","start":462.97,"end":467.38998,"sentiment":"positive","sentiment_score":0.5176781009544026},{"text":"Now like I touched on last time as well, hub twenty four had sorry.","start":467.77,"end":473.71,"sentiment":"neutral","sentiment_score":0.068887770442026},{"text":"Your current portfolio with Benelon has performed really well historically.","start":474.09,"end":478.245,"sentiment":"neutral","sentiment_score":0.1993611291050911},{"text":"So this is using a five year rolling average to give you a bit more certainty of the portfolio.","start":478.705,"end":483.685,"sentiment":"neutral","sentiment_score":0.22419036454276034},{"text":"And when we are looking at a little bit more longer term, Benelon was very competitive.","start":483.745,"end":488.805,"sentiment":"neutral","sentiment_score":0.011691508581861854}],"sentiment":"neutral","sentiment_score":0.18713114644799914,"num_words":70,"start":462.97,"end":488.805},{"sentences":[{"text":"But more recently, they have underperformed a little bit.","start":489.52,"end":492.71997,"sentiment":"neutral","sentiment_score":-0.14898602664470673},{"text":"So when we are looking more short term, it is not as competitive.","start":492.71997,"end":497.37997,"sentiment":"neutral","sentiment_score":-0.2638874982412045},{"text":"And then we believe also moving forward that they are not going to be as competitive as the option we have recommended.","start":497.91998,"end":504.41998,"sentiment":"neutral","sentiment_score":-0.2205483385107734},{"text":"So even though it only looks like it's a little bit of a change, if you scroll down through page 18, you can then see that is a little bit of a bigger change when we are looking at your twelve month period.","start":505.215,"end":519.15497,"sentiment":"neutral","sentiment_score":-0.075038711345473},{"text":"Can you see that?","start":520.07,"end":521.13,"sentiment":"neutral","sentiment_score":0.0017310576513409615}],"sentiment":"neutral","sentiment_score":-0.14113423649917592,"num_words":91,"start":489.52,"end":521.13},{"sentences":[{"text":"Yep.","start":521.43,"end":521.93,"sentiment":"neutral","sentiment_score":0.03423295542597771},{"text":"Now you can also see if you scroll back up to page 17 again, it is then just projected five and ten years for you, and it is making a little bit of a change.","start":522.71,"end":532.87,"sentiment":"neutral","sentiment_score":0.027454524167946408},{"text":"There was nothing drastic that we had to change with your recommendation or strategy.","start":532.87,"end":537.725,"sentiment":"neutral","sentiment_score":-0.05590520133929593},{"text":"It was doing really well for you.","start":537.725,"end":539.425,"sentiment":"positive","sentiment_score":0.7492485557283673},{"text":"Literally just swapping out one investment that was underperforming and rebalancing.","start":539.645,"end":543.985,"sentiment":"neutral","sentiment_score":-0.005447470731186596}],"sentiment":"neutral","sentiment_score":0.07937185580308057,"num_words":68,"start":521.43,"end":543.985},{"sentences":[{"text":"Now what the pages that you scrolled past before outlines the advantages in regards to it, which I've kind of touched on as well, but then also some disadvantages and risks to be mindful of.","start":545.325,"end":559.0,"sentiment":"neutral","sentiment_score":-0.029108598003430027},{"text":"Now one of the disadvantage is that every time we do make an investment change, so if we are selling any investments, there will be some capital gains tax associated with it.","start":559.0,"end":570.565,"sentiment":"neutral","sentiment_score":-0.29059032211080194},{"text":"Now we've kinda keep it as little as possible for you, and it does change on a daily, but it is roughly $233, which is on the top line where it says the balance, and you see the difference.","start":570.565,"end":585.52,"sentiment":"neutral","sentiment_score":0.02996917909536606},{"text":"That's what that is.","start":585.98004,"end":587.36005,"sentiment":"neutral","sentiment_score":-0.032160548493266106},{"text":"Does that make sense?","start":588.54004,"end":589.76,"sentiment":"neutral","sentiment_score":0.10201600193977356}],"sentiment":"neutral","sentiment_score":-0.07780238104526672,"num_words":114,"start":545.325,"end":589.76},{"sentences":[{"text":"Yep.","start":590.94,"end":591.42004,"sentiment":"neutral","sentiment_score":0.1968909502029419},{"text":"Perfect.","start":591.42004,"end":591.92004,"sentiment":"positive","sentiment_score":0.436722993850708},{"text":"Now for you, Hailey, it is basically exactly the same, but obviously tailored for your super balance.","start":593.085,"end":599.745,"sentiment":"neutral","sentiment_score":0.2959841647568871},{"text":"So that is page 19.","start":600.045,"end":601.825,"sentiment":"neutral","sentiment_score":0.11864153146743775},{"text":"So, again, making that couple of change now on a higher balance, it makes a bigger difference as well when it comes to the the fee.","start":602.125,"end":610.7,"sentiment":"neutral","sentiment_score":0.10539085045456886}],"sentiment":"neutral","sentiment_score":0.1799742902815342,"num_words":50,"start":590.94,"end":610.7},{"sentences":[{"text":"You'll still save a little bit, though, which is good.","start":610.83997,"end":613.66,"sentiment":"neutral","sentiment_score":0.24628141671419143},{"text":"So your total fee saving is about $96.","start":613.88,"end":618.46,"sentiment":"neutral","sentiment_score":0.25806543976068497},{"text":"The capital gains tax is a little bit less too, which is good, about $43.","start":619.025,"end":624.325,"sentiment":"neutral","sentiment_score":0.05478946591416995},{"text":"Yep.","start":625.825,"end":626.325,"sentiment":"neutral","sentiment_score":0.1690455973148346},{"text":"Again, you can then see on the following page projected forward five and ten years.","start":627.265,"end":633.28503,"sentiment":"neutral","sentiment_score":0.2039248079061508}],"sentiment":"neutral","sentiment_score":0.1750428038744294,"num_words":49,"start":610.83997,"end":633.28503},{"sentences":[{"text":"And, again, similar with the investment returns outlined underneath that.","start":633.59,"end":638.57,"sentiment":"neutral","sentiment_score":0.2464875504374504},{"text":"That all makes sense so far for you as well, Hailey?","start":640.87,"end":643.13,"sentiment":"positive","sentiment_score":0.3640944849361073},{"text":"Yes.","start":644.07,"end":644.47003,"sentiment":"neutral","sentiment_score":0.2329051643610001},{"text":"Perfect.","start":644.47003,"end":644.97003,"sentiment":"positive","sentiment_score":0.39508306980133057},{"text":"Now on the next page, and it is the same for both of you.","start":645.59,"end":649.72504,"sentiment":"neutral","sentiment_score":0.21854854907308305}],"sentiment":"neutral","sentiment_score":0.2745292637799237,"num_words":37,"start":633.59,"end":649.72504},{"sentences":[{"text":"It's just different figures because, again, you have different balances, but it is outlining the investment change.","start":649.72504,"end":657.265,"sentiment":"neutral","sentiment_score":0.16195272873429692},{"text":"So you will see on the first column can you see that investment table first?","start":657.885,"end":662.86505,"sentiment":"neutral","sentiment_score":0.11169502412279447},{"text":"Yep.","start":664.55005,"end":664.87006,"sentiment":"neutral","sentiment_score":0.14823076128959656},{"text":"So you can see all your current investments.","start":664.87006,"end":666.97003,"sentiment":"neutral","sentiment_score":0.20120791904628277},{"text":"You can see the current weight, how that represents from a balance point of view, and then the buy and sell.","start":668.39,"end":675.61005,"sentiment":"neutral","sentiment_score":0.17007468658543767}],"sentiment":"neutral","sentiment_score":0.15738845616579056,"num_words":62,"start":649.72504,"end":675.61005},{"sentences":[{"text":"So the one thing that we are completely changing there for you is let me just see if I can see it here, is that we are changing the the Benelong for $8,200.","start":676.195,"end":690.695,"sentiment":"neutral","sentiment_score":0.05611965822225267},{"text":"So you will see here the the BetaShares Australia two hundred has been added instead of the Bennelong Australian Equities.","start":691.44,"end":700.02,"sentiment":"neutral","sentiment_score":0.04871528698131442},{"text":"That is the biggest change, and that is that one I passed on last time, which is the Bennelong investment that was underperforming, having a bit more of that active component in buying and selling different investments.","start":700.16003,"end":712.63495,"sentiment":"neutral","sentiment_score":0.022591964115162153},{"text":"But why when we did swap that out, we wanted to make sure we still keep you in line with your asset allocation and keep you very diversified.","start":713.495,"end":721.64,"sentiment":"neutral","sentiment_score":0.1545564460435084},{"text":"So we wanted to find another option to swap it for in Australia.","start":722.34,"end":726.2,"sentiment":"neutral","sentiment_score":0.05294665952141468}],"sentiment":"neutral","sentiment_score":0.06624461218487215,"num_words":131,"start":676.195,"end":726.2},{"sentences":[{"text":"But the BetaShares Australia two hundred, the way that that one works a little bit different, which is why it's a little bit cheaper, is that it invests in the 200 largest companies listed on the ASX.","start":727.14,"end":739.775,"sentiment":"neutral","sentiment_score":0.1272548655601772},{"text":"So you'll have all your big banks and Commonwealth.","start":740.315,"end":742.495,"sentiment":"neutral","sentiment_score":0.23937279813819462},{"text":"You will have BHP, Woolworths, for example, all the big companies to make it very diversified.","start":743.195,"end":749.83,"sentiment":"neutral","sentiment_score":0.17550501972436905},{"text":"And as a company kind of grows and gets into those top 200, it gets added.","start":750.29,"end":755.43,"sentiment":"neutral","sentiment_score":0.06823105434887111},{"text":"And as something gets smaller, it kind of falls out.","start":755.57,"end":758.37,"sentiment":"neutral","sentiment_score":-0.074240892380476}],"sentiment":"neutral","sentiment_score":0.11386538034474308,"num_words":88,"start":727.14,"end":758.37},{"sentences":[{"text":"Does that make sense?","start":758.37,"end":759.51,"sentiment":"neutral","sentiment_score":0.07229700591415167},{"text":"Yep.","start":760.865,"end":761.34503,"sentiment":"neutral","sentiment_score":0.13793721795082092},{"text":"Perfect.","start":761.34503,"end":761.84503,"sentiment":"positive","sentiment_score":0.3526330590248108},{"text":"Now the other change you can see, it is just rebalancing your portfolio.","start":762.22504,"end":767.60504,"sentiment":"neutral","sentiment_score":-0.017967393191961143},{"text":"And by what I mean by that is that over time, different investments perform differently.","start":768.465,"end":773.525,"sentiment":"neutral","sentiment_score":-0.04599389980236689}],"sentiment":"neutral","sentiment_score":-0.004227244349963525,"num_words":34,"start":758.37,"end":773.525},{"sentences":[{"text":"And as a result, the mix of investments in your super can gradually move away from the strategy that we originally set out to match your goals and your risk tolerance.","start":774.32,"end":783.78,"sentiment":"neutral","sentiment_score":-0.17205771996128943},{"text":"So, basically, rebalancing, it just means adjusting the portfolio back to its target allocation so that it does continue to reflect the level of risk returns that is appropriate for you.","start":784.0,"end":795.605,"sentiment":"neutral","sentiment_score":0.08241416979581118},{"text":"Does that also make sense?","start":795.825,"end":797.205,"sentiment":"neutral","sentiment_score":0.09233678728342057},{"text":"Yeah.","start":798.785,"end":799.185,"sentiment":"neutral","sentiment_score":0.2138439863920212},{"text":"Perfect.","start":799.185,"end":799.685,"sentiment":"positive","sentiment_score":0.353912353515625}],"sentiment":"neutral","sentiment_score":-0.025355214185580826,"num_words":69,"start":774.32,"end":799.685},{"sentences":[{"text":"So, otherwise, your only change that the only major change is just been along for the a 200, which is reflected here, and that is exactly the same for you, Hailey, which is the table underneath it.","start":799.905,"end":812.21,"sentiment":"neutral","sentiment_score":0.1819333259922427},{"text":"Now what that then looks like in terms of the asset allocation, you can see on the next couple of pages.","start":813.31,"end":822.015,"sentiment":"neutral","sentiment_score":0.0561521216517403},{"text":"So first, you'll have your situation, Andrew.","start":822.015,"end":824.515,"sentiment":"neutral","sentiment_score":0.07926731130906514},{"text":"Again, you can see your risk profile aiming for about that eighty twenty split, but they can vary between 80 up to 90 and then 20 to 10.","start":825.055,"end":835.37,"sentiment":"neutral","sentiment_score":0.06685713425810848},{"text":"Your existing portfolio and then the proposed.","start":836.55005,"end":839.77,"sentiment":"neutral","sentiment_score":0.06876582386238235}],"sentiment":"neutral","sentiment_score":0.10818959321826696,"num_words":100,"start":799.905,"end":839.77},{"sentences":[{"text":"So you can see that the proposed is slightly less in growth, still very much keeping you aligning with your growth profile and still making sure that those returns are improved a little bit as well.","start":840.23004,"end":852.28503,"sentiment":"neutral","sentiment_score":0.29112573257750934},{"text":"So just making it slightly more defensive, so a little bit less fluctuations, which is good, while still maintaining that growth aspect.","start":852.28503,"end":860.22504,"sentiment":"positive","sentiment_score":0.3909463313492862},{"text":"Does that all make sense as well?","start":862.64996,"end":864.43,"sentiment":"neutral","sentiment_score":0.3109045624732971},{"text":"Yep.","start":865.29,"end":865.76996,"sentiment":"positive","sentiment_score":0.4208803176879883},{"text":"Perfect.","start":865.76996,"end":866.26996,"sentiment":"positive","sentiment_score":0.6762611269950867}],"sentiment":"positive","sentiment_score":0.3336540155891162,"num_words":67,"start":840.23004,"end":866.26996},{"sentences":[{"text":"Now exactly the same for you, Hailey.","start":866.73,"end":868.82996,"sentiment":"positive","sentiment_score":0.43998988611357553},{"text":"Risk profile existing and proposed as well.","start":869.37,"end":872.11,"sentiment":"neutral","sentiment_score":0.3249834861074175},{"text":"Just having, showing it tailored for both of you.","start":872.25,"end":875.505,"sentiment":"positive","sentiment_score":0.49342824353112114},{"text":"And that was essentially your super investment.","start":876.385,"end":878.945,"sentiment":"positive","sentiment_score":0.6020221710205078},{"text":"So pretty straightforward.","start":878.945,"end":879.925,"sentiment":"positive","sentiment_score":0.6293730139732361}],"sentiment":"positive","sentiment_score":0.4817558192845547,"num_words":33,"start":866.73,"end":879.925},{"sentences":[{"text":"Just the one investment change and rebalancing both of your portfolios back into alignment.","start":879.985,"end":885.445,"sentiment":"positive","sentiment_score":0.49625820560114725},{"text":"And then I have also included the information in regards to beneficiary nominations.","start":886.625,"end":891.65,"sentiment":"neutral","sentiment_score":0.3190765931056096},{"text":"So it is important that we do get that sorted for both of you as well.","start":891.79,"end":895.65,"sentiment":"positive","sentiment_score":0.4433019496500492},{"text":"And by nominating each other, it is a 100% tax free if something were to happen to either of you.","start":896.03,"end":902.13,"sentiment":"positive","sentiment_score":0.3690446801483631},{"text":"Yep.","start":903.405,"end":903.905,"sentiment":"neutral","sentiment_score":0.15179504454135895}],"sentiment":"positive","sentiment_score":0.4018926629796624,"num_words":64,"start":879.985,"end":903.905},{"sentences":[{"text":"Now we touched on that a little bit last time, so I won't go through all of that.","start":904.205,"end":907.405,"sentiment":"neutral","sentiment_score":0.07673844695091248},{"text":"But, again, it is outlined for you on the next couple of pages.","start":907.405,"end":911.98505,"sentiment":"neutral","sentiment_score":0.19354513860665834},{"text":"And as you scroll through, you will also see that I have included some information in regards to setting up a will, as well as power of attorney.","start":912.125,"end":921.13,"sentiment":"neutral","sentiment_score":0.21481441866074288},{"text":"It is something I always recommend to everyone to have a bit of a, look at and consider.","start":921.13,"end":926.83,"sentiment":"positive","sentiment_score":0.43441181381543476},{"text":"So I've just included that information for you, which then takes us basically through the end, which is just the remuneration side, and that is page 35.","start":926.89,"end":938.775,"sentiment":"neutral","sentiment_score":0.229142803284857}],"sentiment":"neutral","sentiment_score":0.22998510487377644,"num_words":104,"start":904.205,"end":938.775},{"sentences":[{"text":"Yep.","start":947.49,"end":947.99,"sentiment":"neutral","sentiment_score":0.15551847219467163},{"text":"Now like I touched on during the under review as well, there is no changes in regards to the fee structure.","start":948.21,"end":954.31,"sentiment":"neutral","sentiment_score":0.06541996919328258},{"text":"Because both of you are a client, it is reduced at 1.1 from super.","start":954.995,"end":960.295,"sentiment":"neutral","sentiment_score":0.10614615173212119},{"text":"That stays exactly the same.","start":960.595,"end":962.855,"sentiment":"neutral","sentiment_score":0.2655181854963303},{"text":"Now I have also included here for you just to show you, Andrew, that with your Clearview insurances, we do get a commission on the premium, but that is ClearView paying us.","start":963.315,"end":975.23004,"sentiment":"neutral","sentiment_score":0.16939840861596167}],"sentiment":"neutral","sentiment_score":0.1337496431876127,"num_words":73,"start":947.49,"end":975.23004},{"sentences":[{"text":"It is not you paying us.","start":975.23004,"end":977.09,"sentiment":"neutral","sentiment_score":0.023834227894743282},{"text":"It's the same for every single insurer out there, so it doesn't sway us in any way to recommend one provider over the other before compliance purposes so that you are fully aware it is included there for you.","start":977.39,"end":990.485,"sentiment":"neutral","sentiment_score":0.13271107491201314},{"text":"But, again, that is not you paying that amount.","start":990.485,"end":992.965,"sentiment":"neutral","sentiment_score":-0.059486245839960046},{"text":"Does that make sense?","start":992.965,"end":994.025,"sentiment":"neutral","sentiment_score":-0.026482701301574707},{"text":"Yep.","start":995.285,"end":995.765,"sentiment":"neutral","sentiment_score":0.21228405833244324}],"sentiment":"neutral","sentiment_score":0.08287651405938096,"num_words":59,"start":975.23004,"end":995.765},{"sentences":[{"text":"Perfect.","start":995.765,"end":996.265,"sentiment":"positive","sentiment_score":0.5520658493041992},{"text":"And that is essentially everything.","start":996.805,"end":998.665,"sentiment":"positive","sentiment_score":0.4556085765361786},{"text":"So the last couple of pages will show the authority to proceed and then how to implement the advice.","start":998.725,"end":1006.16,"sentiment":"positive","sentiment_score":0.36416920078428167},{"text":"So if you guys are happy to go ahead with the investment change, we will do all of that for you.","start":1006.77997,"end":1012.88,"sentiment":"positive","sentiment_score":0.5072644849618276},{"text":"We will just need you to sign the document if you are happy to do so.","start":1013.01996,"end":1017.435,"sentiment":"neutral","sentiment_score":0.28938236460089684}],"sentiment":"positive","sentiment_score":0.40374186394676087,"num_words":62,"start":995.765,"end":1017.435},{"sentences":[{"text":"But if you guys want to take some time and have a bit of a read over it as well, you are more than welcome to do 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today?","start":1033.09,"end":1034.71,"sentiment":"neutral","sentiment_score":0.057848982885479926}],"sentiment":"neutral","sentiment_score":0.27991812571205876,"num_words":55,"start":1017.735,"end":1034.71},{"sentences":[{"text":"Yeah.","start":1035.49,"end":1035.99,"sentiment":"neutral","sentiment_score":0.2286532521247864},{"text":"Alright.","start":1036.0499,"end":1036.53,"sentiment":"positive","sentiment_score":0.3740510940551758},{"text":"Perfect.","start":1036.53,"end":1037.03,"sentiment":"positive","sentiment_score":0.49653881788253784},{"text":"Well, if you guys don't have any other questions, I will let you go, and enjoy the rest of your evening.","start":1037.41,"end":1042.07,"sentiment":"positive","sentiment_score":0.4704657196998596},{"text":"Like I said, feel free to have a read over the documents.","start":1042.53,"end":1045.19,"sentiment":"neutral","sentiment_score":0.2587423312167327}],"sentiment":"positive","sentiment_score":0.3912203125655651,"num_words":36,"start":1035.49,"end":1045.19},{"sentences":[{"text":"If you're happy to do so, just add your signature.","start":1045.57,"end":1048.415,"sentiment":"neutral","sentiment_score":0.2722155123949051},{"text":"It will be one for each of you.","start":1048.475,"end":1050.735,"sentiment":"neutral","sentiment_score":0.26782840117812157},{"text":"Once you've added the signature and the date and press validate, it should then automatically send it back to me.","start":1051.035,"end":1057.375,"sentiment":"positive","sentiment_score":0.3479887112975121},{"text":"And that lets me know if you are happy to go ahead, and I will let the team know we can make that one investment switch for 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make this switch for you.","start":1154.455,"end":1158.3949,"sentiment":"positive","sentiment_score":0.3593627075354258},{"text":"If you guys have any questions or need anything at any point in time, though, don't hesitate to give me a call or send me an email, and we can always book you in for another catch up.","start":1159.335,"end":1168.98,"sentiment":"neutral","sentiment_score":0.10783653647491806}],"sentiment":"neutral","sentiment_score":0.22185798448532126,"num_words":86,"start":1145.6799,"end":1168.98},{"sentences":[{"text":"Yep.","start":1170.34,"end":1170.84,"sentiment":"neutral","sentiment_score":0.3264983594417572},{"text":"Beautiful.","start":1170.9,"end":1171.38,"sentiment":"positive","sentiment_score":0.5960580706596375},{"text":"Well, thank you so much for your time this evening, and I hope you yes?","start":1171.38,"end":1175.7999,"sentiment":"positive","sentiment_score":0.5352323055267334},{"text":"Oh, beautiful.","start":1179.86,"end":1180.6799,"sentiment":"positive","sentiment_score":0.45444487035274506},{"text":"Yes.","start":1180.9,"end":1181.38,"sentiment":"positive","sentiment_score":0.34116238355636597}],"sentiment":"positive","sentiment_score":0.5100546568632126,"num_words":20,"start":1170.34,"end":1181.38},{"sentences":[{"text":"I can see yep.","start":1181.38,"end":1183.495,"sentiment":"positive","sentiment_score":0.3958655744791031},{"text":"I can see here that it has been fully signed, for for both of you, which is great.","start":1183.495,"end":1188.0549,"sentiment":"positive","sentiment_score":0.5206612116760678},{"text":"And, yeah, you can download a copy if you do wanna have a read over it.","start":1188.0549,"end":1190.855,"sentiment":"neutral","sentiment_score":0.28087661461904645},{"text":"If not, we always have a copy on file as well if you ever need 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you.","start":1201.013,"end":1201.653,"sentiment":"positive","sentiment_score":0.541363924741745},{"text":"Bye.","start":1201.653,"end":1202.153,"sentiment":"positive","sentiment_score":0.3357943296432495}],"sentiment":"positive","sentiment_score":0.7195688030785985,"num_words":18,"start":1195.653,"end":1202.153}]}}]},{"alternatives":[{"transcript":"Hello? Good afternoon. Yep. K. Thanks. Yep. Yep. Yeah. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yeah. Andy. Hailey. Hailey. Yeah. I can. Yeah. Yeah. I've got it. Yeah. I've got it. Yep. Yep. Yeah. Mhmm. What page was it again? Sorry. Yeah. No. Yep. Okay. Yep. Yep. Yeah. No. Hang on a sec. Which sorry. Sorry. Which one was I supposed to open the the one the oh, okay. Yep. Sorry. No. I got another one. Yeah. Yeah. Yeah. Okay. Good. Yeah. I got it now. Yep. Yep. Yep. Yep. Yeah. Yep. Yep. Yep. Yep. Yeah. I can. Yeah. Yep. Yep. Yep. Yep. Yep. Yeah. Yep. Yeah. Okay. Yeah. Yep. Yeah. Mhmm. Yep. Yeah. Yeah. Yeah. Yes. Yep. Yeah. Yep. Yep. Yep. Yep. Yep. Okay. Yep. Yep. No. I'm pretty straightforward. Straightforward. Yeah. I've just done mine. Okay. I'm done. Yeah. I'm just going through it. I think that's the I think I did what you did. Take care of that. It's just loading it. At the moment, I've signed it. It's just loading it. Two way. Yeah. Mine did it straight away. Mine's just being a pain in the ass. Yeah. Yeah. Yeah. He I'm with Vodafone, and he's with Telstra. I don't know why. It just keeps saying still loading. Refresh it. Done. It's it says it's signed. Yep. Okay. Cool. I got the I got the downloaded version of both of our signatures, so you should get it. Yep. Okay. Awesome. Okay. Thank you. Yeah. You too. Thank you. Thanks. Bye. 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Good afternoon. Yep. K. Thanks.\n\nYep. Yep. Yeah. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYeah. Andy. Hailey. Hailey. Yeah.\n\nI can. Yeah. Yeah. I've got it. Yeah.\n\nI've got it. Yep. Yep. Yeah. Mhmm.\n\nWhat page was it again? Sorry. Yeah. No. Yep.\n\nOkay. Yep. Yep. Yeah. No.\n\nHang on a sec. Which sorry. Sorry. Which one was I supposed to open the the one the oh, okay. Yep.\n\nSorry. No. I got another one. Yeah. Yeah.\n\nYeah. Okay. Good. Yeah. I got it now.\n\nYep. Yep. Yep. Yep. Yeah.\n\nYep. Yep. Yep. Yep. Yeah.\n\nI can. Yeah. Yep. Yep. Yep.\n\nYep. Yep. Yeah. Yep. Yeah.\n\nOkay. Yeah. Yep. Yeah. Mhmm.\n\nYep. Yeah. Yeah. Yeah. Yes.\n\nYep. Yeah. Yep. Yep. Yep.\n\nYep. Yep. Okay. Yep. Yep.\n\nNo. I'm pretty straightforward. Straightforward. Yeah. I've just done mine.\n\nOkay. I'm done. Yeah. I'm just going through it. I think that's the I think I did what you did.\n\nTake care of that. It's just loading it. At the moment, I've signed it. It's just loading it. Two way.\n\nYeah. Mine did it straight away. Mine's just being a pain in the ass. Yeah. Yeah.\n\nYeah. He I'm with Vodafone, and he's with Telstra. I don't know why. It just keeps saying still loading. Refresh it.\n\nDone. It's it says it's signed. Yep. Okay. Cool.\n\nI got the I got the downloaded version of both of our signatures, so you should get it. Yep. Okay. Awesome. Okay.\n\nThank you. Yeah. You too. Thank you. Thanks.\n\nBye. 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How are you?\n\nChannel 1: K. Thanks.\n\nChannel 0: That's good. Do I have Hailey there as well?\n\nChannel 1: Yep. Yep. Yeah. Yep.\n\nChannel 0: Yep. Perfect. Now like I told Hailey, I did have you guys booked in. It is a pretty quick one today just to go over the research I did on your super investment.\n\nChannel 1: Yep.\n\nChannel 0: Do\n\nChannel 1: Yep.\n\nChannel 0: you guys remember that conversation?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Perfect. Now I do have to let you guys know that the calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Perfect. And I do have a password on file for both of you. Do you know where that is?\n\nChannel 1: Yeah. Andy.\n\nChannel 0: Yep.\n\nChannel 1: Hailey.\n\nChannel 0: And yeah. Exactly. Perfect. Now do either of you have access to your emails\n\nChannel 1: Hailey.\n\nChannel 0: at the moment?\n\nChannel 1: Yeah. I can.\n\nChannel 0: Yeah. So I have sent you both the same documents. Just a a copy each just with the recommendation. It is the same one. So even if you wanna look on on one phone or both of you, it's up to you.\n\nChannel 1: Yeah. Yeah. I've got it.\n\nChannel 0: Okay. Perfect. And did you get that email as well, Hailey?\n\nChannel 1: Yeah. I've got it.\n\nChannel 0: Yep. Okay. Perfect. Now I have made some recommendation on a couple of investment switches for you. It is pretty straightforward today.\n\nNow every time we do make a recommendation, we have to put everything in a statement of advice for you so that you fully understand everything. Now a lot of it is just for compliance purposes, and it is pretty straightforward today. So you will see that it is 40 pages. I won't go through all of that with you because, otherwise, I'll keep you here for a while. I'll go through the main points, and then you guys can have a read over it in your own time.\n\nIs that okay?\n\nChannel 1: Yep. Yep. Yeah.\n\nChannel 0: Yep. Perfect. Now on the cover page here, you can see that this has been tailored through both of you. You can also see my details listed on the cover page. You'll see my authorized representative number listed as well, and I am licensed under OCU Financial.\n\nNow if you wanna scroll to the second page, you will see the best interest due to I outline. Can you see that?\n\nChannel 1: Mhmm. What page was it again? Sorry.\n\nChannel 0: Page two.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Have you either of you heard of this before?\n\nChannel 1: No.\n\nChannel 0: No. Essentially, what it means is that we have to act in your best interest at all time, and the advice itself has to put you in a better position. Otherwise, we can't actually make the recommendation. So, essentially,\n\nChannel 1: Yep.\n\nChannel 0: there's a lot of laws and legislation in place to protect you guys, essentially.\n\nChannel 1: Okay.\n\nChannel 0: Now as you scroll through, you will see scope of advice, which is page three. Basically, what that means and refers to is the areas we are looking at today. So like I said, pretty straightforward. We are just looking at your superannuation, specifically your investments to see if we could complete any of these changes. And I have also included a bit of a state planning as well just to make sure we get everything set up for you.\n\nOtherwise, not making any changes in regards to insurances. Just literally that's due for under state planning. Does that make\n\nChannel 1: Yep.\n\nChannel 0: sense?\n\nChannel 1: Yep. Yeah.\n\nChannel 0: Yep. Perfect. So if you guys wanna then scroll down to page six, you should see a little table where it says our advice to you. Just let me know if you can see that. Can you guys see that okay?\n\nChannel 1: No. Hang on a sec. Which sorry. Sorry. Which one was I supposed to open the\n\nChannel 0: If\n\nChannel 1: the\n\nChannel 0: you\n\nChannel 1: one\n\nChannel 0: click on the\n\nChannel 1: the\n\nChannel 0: link where it says sign now\n\nChannel 1: oh, okay. Yep. Sorry. No. I got another one.\n\nChannel 0: you're probably what are you talking about\n\nChannel 1: Yeah.\n\nChannel 0: about? I'm glad you\n\nChannel 1: Yeah.\n\nChannel 0: said something.\n\nChannel 1: Yeah.\n\nChannel 0: No. If\n\nChannel 1: Okay.\n\nChannel 0: you wanna\n\nChannel 1: Good.\n\nChannel 0: click on\n\nChannel 1: Yeah.\n\nChannel 0: the\n\nChannel 1: I got it now.\n\nChannel 0: yeah.\n\nChannel 1: Yep.\n\nChannel 0: Now the one that you were in is the appendix. So that further research goes in, and you will also see a investment link through the investment change in there. So if you do wanna go back later, that's that document.\n\nChannel 1: Yep.\n\nChannel 0: Yep. So if you can then scroll through page six, you should see that table where it says our advice to you now.\n\nChannel 1: Yep.\n\nChannel 0: Yep. So this just outlines the strategies themselves. So like I said, I have recommended that you both retain hub twenty four and literally just change your investment and a bit of estate planning. Now I'll get\n\nChannel 1: Yep.\n\nChannel 0: you guys to kind of scroll through. You'll have some information about your assets and liabilities. That's just from the back line. You will see your superannuation, your insurances. I won't go through that again because we kinda went through all of that during the annual review.\n\nBut if you can then stop on page 11 where it says your risk profile.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Sorry. We're not making any changes to either of your risk profile. We are keeping it aligning with our growth portfolio. It's still very suitable for where you guys are at, how much time you have until retirement, and the level of risk you guys are comfortable with for not making any changes in regards to that.\n\nAnd these couple of pages just gives you some some information in regards to that growth profile again for you. Now\n\nChannel 1: Yep.\n\nChannel 0: that then takes us to page 13, which actually outlines the recommendation as themselves. But I usually find it easier if you wanna scroll down to page 17, and that is for you first, Andrew.\n\nChannel 1: Yep.\n\nChannel 0: Yep. So what I have recommended, now this is the same for both of you, is to stay in hub twenty four and change your investments. Now I did do research on both hub twenty four and a lot of different options as well just to make sure hub twenty four is still going to be the best option for both of you because there are always new products and features that comes out. So it is good to assess it every now and then just to make sure we have you in the best option. And at the moment, Hub twenty four is very competitive when it comes to pricing features, but also investment choices.\n\nSo I have recommended that you both stay with Hub twenty four. Now I use Hub twenty four for my personal super as well, and it is very competitive, like I said, with with fees and options. So not making any changes in regards to that. But\n\nChannel 1: Yep.\n\nChannel 0: for you, Andrew, by making just the investment change, and it's literally just one change and rebalancing your portfolio, you can\n\nChannel 1: Yep.\n\nChannel 0: see that the total cost is a little bit cheaper for you by literally just swapping out that Benelon investment I touched on briefly last time.\n\nChannel 1: Yeah. I can.\n\nChannel 0: So it is reducing the fees a little bit, which is great. So now that is a yearly fee saving. And you can see as well the performance is slightly better. Now like I touched on last time as well, hub twenty four had sorry. Your current portfolio with Benelon has performed really well historically.\n\nSo this is using a five year rolling average to give you a bit more certainty of the portfolio. And when we are looking at a little bit more longer term, Benelon was very competitive. But more recently, they have underperformed a little bit. So when we are looking more short term, it is not as competitive. And then we believe also moving forward that they are not going to be as competitive as the option we have recommended.\n\nSo\n\nChannel 1: Yeah.\n\nChannel 0: even though it only looks like it's a little bit of a change, if you scroll down through page 18, you can then see that is a little bit of a bigger change when we are looking at your twelve month period. Can you\n\nChannel 1: Yep.\n\nChannel 0: see that?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Now you can also see if you scroll back up to page 17 again, it is then just projected five and ten years for you, and it is making a little bit of a change. There was nothing drastic that we had to change with your recommendation or strategy. It was doing really well for you. Literally just swapping out one investment that was underperforming and rebalancing.\n\nChannel 1: Yep.\n\nChannel 0: Now what the pages that you scrolled past before outlines the advantages in regards to it, which I've kind of touched on as well, but then also some disadvantages and risks to be mindful of. Now one of the disadvantage is that every time we do make an investment change, so if we are selling any investments, there will be some capital gains tax associated with it. Now we've kinda\n\nChannel 1: Yep.\n\nChannel 0: keep it as little as possible for you, and it does change on a daily, but it is roughly $233, which is on the top line where it says the balance, and you see the difference. That's what that is.\n\nChannel 1: Yep.\n\nChannel 0: Does that make sense?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. Now for you, Hailey, it is basically exactly the same, but obviously tailored for your super balance. So\n\nChannel 1: Yep.\n\nChannel 0: that is page 19. So, again, making that couple of change now on a higher balance, it makes a bigger difference as well when it comes to the the fee. You'll still\n\nChannel 1: Yeah.\n\nChannel 0: save a little bit, though, which is good. So your total fee saving is about $96. The capital gains tax is a little bit less too, which is good, about $43.\n\nChannel 1: Okay.\n\nChannel 0: Yep. Again, you can then see on the following page projected forward five and ten years. And, again, similar with the investment returns outlined underneath that. That all makes sense so far for you as well, Hailey?\n\nChannel 1: Yeah.\n\nChannel 0: Yes. Perfect. Now on the next page, and it is the same for both of you. It's just different figures because, again, you have different balances, but it is outlining the investment change. So you will see on the first column can you see that investment table first?\n\nChannel 1: Yep. Yeah.\n\nChannel 0: Yep. So you can see all your current investments. You can see the current weight, how that represents from a balance point of view, and then the buy and sell. So the one thing that we are completely changing there for you is let me just see if I can see it here, is that we are changing the the Benelong for $8,200. So you will see here the the BetaShares Australia two hundred has been added instead of the Bennelong Australian Equities.\n\nThat is the biggest change, and that is that one I passed on last time, which is the Bennelong investment that was underperforming, having a bit more of that active component in buying and selling different investments. But why when we did swap that out, we wanted to make sure we still keep you in line with your asset allocation and keep you very diversified. So we wanted to find another option to swap it for in Australia. But\n\nChannel 1: Mhmm.\n\nChannel 0: the BetaShares Australia two hundred, the way that that one works a little bit different, which is why it's a little bit cheaper, is that it invests in the 200 largest companies listed on the ASX. So you'll have all your big banks and Commonwealth. You will have BHP, Woolworths, for example, all the big companies to make it very diversified. And as a company kind of grows and gets into those top 200, it gets added. And as something gets smaller, it kind of falls out.\n\nDoes that make sense?\n\nChannel 1: Yep. Yeah.\n\nChannel 0: Yep. Perfect. Now the other change you can see, it is just rebalancing your portfolio. And by what I mean by that is that over time, different investments perform differently. And as a result, the mix of investments in your super can gradually move away from the strategy that we originally set out to match your goals and your risk tolerance.\n\nSo, basically, rebalancing, it just means adjusting the portfolio back to its target allocation so that it does continue to reflect the level of risk returns that is appropriate for you. Does that also make sense?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah. Perfect. So, otherwise, your only change that the only major change is just been along for the a 200, which is reflected here, and that is exactly the same for you, Hailey, which is the table\n\nChannel 1: Yes.\n\nChannel 0: underneath it. Now what that then looks like in terms of the asset allocation, you can see on the next couple of pages. So first, you'll have your situation, Andrew. Again, you can see your risk profile aiming for about that eighty twenty split, but they can vary between 80 up to 90 and then 20 to 10. Your existing portfolio and then the proposed.\n\nSo you can see that the proposed is slightly less in growth, still very much keeping you aligning with your growth profile and still making sure that those returns are improved a little bit as well. So just making it slightly more defensive, so a little bit less fluctuations, which is good, while still maintaining that growth aspect.\n\nChannel 1: Yep.\n\nChannel 0: Does that all make sense as well? Yep. Perfect. Now exactly the same for\n\nChannel 1: Yeah.\n\nChannel 0: you, Hailey. Risk profile existing and proposed as well. Just having, showing it tailored for both of you. And that was essentially your super investment. So pretty straightforward.\n\nJust the one investment change and rebalancing both of your portfolios back into alignment. And then I have also included the information in regards to beneficiary nominations. So it is important that we do get that sorted for both of you as well. And by nominating each other, it is a 100% tax free if something were to happen to either of you.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Now we touched on that a little bit last time, so I won't go through all of that. But, again, it is outlined for you on the next couple of pages. And as you scroll through, you will also see that I have included some information in regards to setting up a will, as well as power of attorney. It is something I always recommend to everyone to have a bit of a, look at and consider.\n\nSo I've just included that information for you, which then takes us basically through the end, which is just the remuneration side, and that is page 35.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Now like I touched on during the under review as well, there is no changes in regards to the fee structure. Because both of you are a client, it is reduced at 1.1 from super. That stays exactly the same. Now I have also included here for you just to show you, Andrew, that with your Clearview insurances, we do get a commission on the premium, but that is ClearView paying us.\n\nIt is not you paying us. It's the same for every single insurer out there, so it doesn't sway us in any way to recommend one provider over the other before compliance purposes so that you are fully aware it is\n\nChannel 1: Yep.\n\nChannel 0: included there for you. But, again,\n\nChannel 1: Okay.\n\nChannel 0: that is not you paying that amount. Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. And that is essentially everything. So the last couple of pages will show the authority to proceed and then how to implement the advice. So if you guys are happy to go ahead with the investment change, we will do all of that for you.\n\nWe will just need you to sign the document if you are happy to do so. But if you guys want to take some time and have a bit of a read over it as well, you are more than welcome to do that.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now do you guys have any questions at all in regards to any of that, or that was pretty straightforward? Not too many\n\nChannel 1: No. I'm pretty\n\nChannel 0: changes\n\nChannel 1: straightforward.\n\nChannel 0: today?\n\nChannel 1: Straightforward.\n\nChannel 0: Yeah. Alright. Perfect. Well, if you guys don't have any other questions, I will let you go, and enjoy the rest of your evening. Like I said, feel free to have a read over the documents.\n\nIf you're happy to do so, just add your signature. It will be one for each of you. Once you've added the signature and the date and press validate, it should then automatically send it back to me. And that lets me know if you are happy to go ahead, and I will let the team know we can make that one investment switch for\n\nChannel 1: Yeah.\n\nChannel 0: you.\n\nChannel 1: I've just done mine.\n\nChannel 0: Okay.\n\nChannel 1: Okay.\n\nChannel 0: Perfect.\n\nChannel 1: I'm\n\nChannel 0: And I\n\nChannel 1: done.\n\nChannel 0: think it will also ask you, Hailey, as well before it kind of comes through.\n\nChannel 1: Yeah. I'm just going through it. I think that's the I think I did what you did. Take care of that.\n\nChannel 0: Sometimes it gets stuck on the text box as well, so let me know if you could do have that issue.\n\nChannel 1: It's just loading it. At the moment, I've signed it. It's just loading it.\n\nChannel 0: Yep. It usually comes through pretty quick, but let me refresh sometimes this time of the night. Tend to be a little bit slower for some reason.\n\nChannel 1: Two way.\n\nChannel 0: Did it finish loading for you, Andrew?\n\nChannel 1: Yeah. Mine did it straight away. Mine's just being a pain in the ass.\n\nChannel 0: Do you have different service, like, different networks, or\n\nChannel 1: Yeah.\n\nChannel 0: you're just\n\nChannel 1: Yeah.\n\nChannel 0: on that phone?\n\nChannel 1: Yeah. He I'm with Vodafone, and he's with Telstra.\n\nChannel 0: Yeah.\n\nChannel 1: I don't know why. It just keeps saying still loading. Refresh it. Done. It's it says it's signed.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: I can see that, Andrew, yours just came through, and then I'm sure yours, Haley, will come through shortly as well if that just finished. So I'll keep a lookout for that. I'll let the team know, and we'll go ahead and make this switch for you. If you guys have any questions or need anything at any point in time, though, don't hesitate to give me a call or send me an email, and we can always book you in for another catch up.\n\nChannel 1: Okay. Cool.\n\nChannel 0: Yep. Beautiful. Well, thank you so much for your time this evening,\n\nChannel 1: I got\n\nChannel 0: and\n\nChannel 1: the\n\nChannel 0: I hope you\n\nChannel 1: I got\n\nChannel 0: yes?\n\nChannel 1: the downloaded version of both of our signatures, so you should get it.\n\nChannel 0: Oh, beautiful. Yes. I can see yep. I can see here that it has been fully signed, for\n\nChannel 1: Yep.\n\nChannel 0: for both of you, which is great.\n\nChannel 1: Okay.\n\nChannel 0: And, yeah,\n\nChannel 1: Awesome.\n\nChannel 0: you can download a copy if you do wanna have a read over it. If not, we always have a copy on file as well if you ever need it.\n\nChannel 1: Okay. Thank you.\n\nChannel 0: Yep. Beautiful. Well, thank you so much, and you enjoy the rest of your evening.\n\nChannel 1: Yeah. You too.\n\nChannel 0: Mhmm. Thank you. Bye.\n\nChannel 1: Thank you. Thanks. Bye. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.56,"end":1.06,"sentiment":"neutral","sentiment_score":0.055826336145401}],"sentiment":"neutral","sentiment_score":0.055826336145401,"channel":1,"num_words":1,"start":0.56,"end":1.06},{"sentences":[{"text":"Good afternoon.","start":1.52,"end":2.24,"sentiment":"positive","sentiment_score":0.3690425455570221}],"sentiment":"positive","sentiment_score":0.3690425455570221,"channel":0,"num_words":2,"start":1.52,"end":2.24},{"sentences":[{"text":"Good","start":2.08,"end":2.3999999,"sentiment":"positive","sentiment_score":0.4724972546100617}],"sentiment":"positive","sentiment_score":0.4724972546100617,"channel":1,"num_words":1,"start":2.08,"end":2.3999999},{"sentences":[{"text":"Is","start":2.24,"end":2.3999999,"sentiment":"positive","sentiment_score":0.3815264105796814}],"sentiment":"positive","sentiment_score":0.3815264105796814,"channel":0,"num_words":1,"start":2.24,"end":2.3999999},{"sentences":[{"text":"afternoon.","start":2.3999999,"end":2.8999999,"sentiment":"neutral","sentiment_score":0.317979097366333}],"sentiment":"neutral","sentiment_score":0.317979097366333,"channel":1,"num_words":1,"start":2.3999999,"end":2.8999999},{"sentences":[{"text":"this Andrew?","start":2.3999999,"end":3.06,"sentiment":"neutral","sentiment_score":0.2826106697320938}],"sentiment":"neutral","sentiment_score":0.2826106697320938,"channel":0,"num_words":2,"start":2.3999999,"end":3.06},{"sentences":[{"text":"Yep.","start":3.6799998,"end":4.18,"sentiment":"neutral","sentiment_score":0.15145814418792725}],"sentiment":"neutral","sentiment_score":0.15145814418792725,"channel":1,"num_words":1,"start":3.6799998,"end":4.18},{"sentences":[{"text":"This is Veronica from Mercy Financial.","start":4.64,"end":6.66,"sentiment":"neutral","sentiment_score":0.19162374983231226},{"text":"How are you?","start":6.7999997,"end":7.62,"sentiment":"neutral","sentiment_score":0.2090336481730143}],"sentiment":"neutral","sentiment_score":0.19742704927921295,"channel":0,"num_words":9,"start":4.64,"end":7.62},{"sentences":[{"text":"K.","start":7.7599998,"end":8.0,"sentiment":"neutral","sentiment_score":0.2040233314037323},{"text":"Thanks.","start":8.0,"end":8.5,"sentiment":"positive","sentiment_score":0.5396816730499268}],"sentiment":"positive","sentiment_score":0.37185250222682953,"channel":1,"num_words":2,"start":7.7599998,"end":8.5},{"sentences":[{"text":"That's good.","start":9.04,"end":9.86,"sentiment":"positive","sentiment_score":0.5478355288505554},{"text":"Do I have Hailey there as well?","start":9.92,"end":11.7,"sentiment":"neutral","sentiment_score":0.11225777970893043}],"sentiment":"neutral","sentiment_score":0.20905283507373598,"channel":0,"num_words":9,"start":9.04,"end":11.7},{"sentences":[{"text":"Yep.","start":11.84,"end":11.92,"sentiment":"neutral","sentiment_score":0.06150133907794952},{"text":"Yep.","start":11.92,"end":12.16,"sentiment":"neutral","sentiment_score":0.06157597526907921},{"text":"Yeah.","start":12.16,"end":12.559999,"sentiment":"neutral","sentiment_score":0.08781512081623077},{"text":"Yep.","start":12.559999,"end":13.059999,"sentiment":"neutral","sentiment_score":0.0956462174654007}],"sentiment":"neutral","sentiment_score":0.07663466315716505,"channel":1,"num_words":4,"start":11.84,"end":13.059999},{"sentences":[{"text":"Yep.","start":12.815001,"end":13.315001,"sentiment":"neutral","sentiment_score":0.18248450756073},{"text":"Perfect.","start":13.455,"end":13.955,"sentiment":"positive","sentiment_score":0.5349668860435486},{"text":"Now like I told Hailey, I did have you guys booked in.","start":15.215,"end":18.095001,"sentiment":"neutral","sentiment_score":0.2689601220190525},{"text":"It is a pretty quick one today just to go over the research I did on your super investment.","start":18.095001,"end":23.075,"sentiment":"positive","sentiment_score":0.3348136301103391}],"sentiment":"neutral","sentiment_score":0.3123161160584652,"channel":0,"num_words":33,"start":12.815001,"end":23.075},{"sentences":[{"text":"Yep.","start":23.505,"end":23.985,"sentiment":"neutral","sentiment_score":0.06680034846067429}],"sentiment":"neutral","sentiment_score":0.06680034846067429,"channel":1,"num_words":1,"start":23.505,"end":23.985},{"sentences":[{"text":"Do","start":23.935001,"end":24.095001,"sentiment":"neutral","sentiment_score":0.030825424939393997}],"sentiment":"neutral","sentiment_score":0.030825424939393997,"channel":0,"num_words":1,"start":23.935001,"end":24.095001},{"sentences":[{"text":"Yep.","start":23.985,"end":24.485,"sentiment":"neutral","sentiment_score":0.05117898806929588}],"sentiment":"neutral","sentiment_score":0.05117898806929588,"channel":1,"num_words":1,"start":23.985,"end":24.485},{"sentences":[{"text":"you guys remember that conversation?","start":24.095001,"end":25.635,"sentiment":"neutral","sentiment_score":0.03867890611290932}],"sentiment":"neutral","sentiment_score":0.03867890611290932,"channel":0,"num_words":5,"start":24.095001,"end":25.635},{"sentences":[{"text":"Yep.","start":26.305,"end":26.785,"sentiment":"neutral","sentiment_score":0.05394996330142021},{"text":"Yep.","start":26.785,"end":27.285,"sentiment":"neutral","sentiment_score":0.06759300082921982}],"sentiment":"neutral","sentiment_score":0.060771482065320015,"channel":1,"num_words":2,"start":26.305,"end":27.285},{"sentences":[{"text":"Yep.","start":27.210001,"end":27.710001,"sentiment":"neutral","sentiment_score":0.1293453425168991},{"text":"Perfect.","start":27.77,"end":28.27,"sentiment":"positive","sentiment_score":0.3509698212146759},{"text":"Now I do have to let you guys know that the calls are being recorded for quality and coaching purposes, if that's okay.","start":29.05,"end":35.31,"sentiment":"neutral","sentiment_score":0.10821883639563686}],"sentiment":"neutral","sentiment_score":0.1187739360332489,"channel":0,"num_words":25,"start":27.210001,"end":35.31},{"sentences":[{"text":"Yep.","start":35.57,"end":36.07,"sentiment":"neutral","sentiment_score":0.0813995897769928},{"text":"Yep.","start":36.13,"end":36.63,"sentiment":"neutral","sentiment_score":0.13685768842697144}],"sentiment":"neutral","sentiment_score":0.10912863910198212,"channel":1,"num_words":2,"start":35.57,"end":36.63},{"sentences":[{"text":"Perfect.","start":36.81,"end":37.21,"sentiment":"positive","sentiment_score":0.34723347425460815},{"text":"And I do have a password on file for both of you.","start":37.21,"end":39.85,"sentiment":"neutral","sentiment_score":0.15962680553396544},{"text":"Do you know where that is?","start":39.85,"end":41.145,"sentiment":"neutral","sentiment_score":0.053918756544589996}],"sentiment":"neutral","sentiment_score":0.13611935157524913,"channel":0,"num_words":19,"start":36.81,"end":41.145},{"sentences":[{"text":"Yeah.","start":41.81,"end":42.29,"sentiment":"neutral","sentiment_score":0.033849574625492096},{"text":"Andy.","start":42.29,"end":42.79,"sentiment":"neutral","sentiment_score":0.04075663164258003}],"sentiment":"neutral","sentiment_score":0.037303103134036064,"channel":1,"num_words":2,"start":41.81,"end":42.79},{"sentences":[{"text":"Yep.","start":43.705,"end":44.205,"sentiment":"neutral","sentiment_score":0.04922374710440636}],"sentiment":"neutral","sentiment_score":0.04922374710440636,"channel":0,"num_words":1,"start":43.705,"end":44.205},{"sentences":[{"text":"Hailey.","start":44.165,"end":44.665,"sentiment":"neutral","sentiment_score":0.05984296649694443}],"sentiment":"neutral","sentiment_score":0.05984296649694443,"channel":1,"num_words":1,"start":44.165,"end":44.665},{"sentences":[{"text":"And yeah.","start":44.585,"end":46.265,"sentiment":"neutral","sentiment_score":0.07585551589727402},{"text":"Exactly.","start":46.265,"end":46.765,"sentiment":"neutral","sentiment_score":0.1459205150604248},{"text":"Perfect.","start":47.065002,"end":47.565002,"sentiment":"neutral","sentiment_score":0.2636266350746155},{"text":"Now do either of you have access to your emails","start":48.985,"end":52.585,"sentiment":"neutral","sentiment_score":0.05079047214239836}],"sentiment":"neutral","sentiment_score":0.07636877881096941,"channel":0,"num_words":14,"start":44.585,"end":52.585},{"sentences":[{"text":"Hailey.","start":52.485,"end":52.985,"sentiment":"neutral","sentiment_score":0.04803795740008354}],"sentiment":"neutral","sentiment_score":0.04803795740008354,"channel":1,"num_words":1,"start":52.485,"end":52.985},{"sentences":[{"text":"at the moment?","start":52.585,"end":53.405,"sentiment":"neutral","sentiment_score":0.03458561065296332}],"sentiment":"neutral","sentiment_score":0.03458561065296332,"channel":0,"num_words":3,"start":52.585,"end":53.405},{"sentences":[{"text":"Yeah.","start":53.845,"end":54.165,"sentiment":"neutral","sentiment_score":0.06876228749752045},{"text":"I can.","start":54.165,"end":54.905,"sentiment":"neutral","sentiment_score":0.0810978040099144}],"sentiment":"neutral","sentiment_score":0.07698596517244975,"channel":1,"num_words":3,"start":53.845,"end":54.905},{"sentences":[{"text":"Yeah.","start":55.6,"end":56.0,"sentiment":"neutral","sentiment_score":0.07530707120895386},{"text":"So I have sent you both the same documents.","start":56.0,"end":58.739998,"sentiment":"neutral","sentiment_score":0.10332684632804659},{"text":"Just a a copy each just with the recommendation.","start":60.32,"end":63.94,"sentiment":"neutral","sentiment_score":0.11509853932592604},{"text":"It is the same 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insurances.","start":319.00497,"end":321.745,"sentiment":"neutral","sentiment_score":0.173020995088986},{"text":"I won't go through that again because we kinda went through all of that during the annual review.","start":321.88498,"end":326.18,"sentiment":"neutral","sentiment_score":0.10157589697175556}],"sentiment":"neutral","sentiment_score":0.14892828686440246,"channel":0,"num_words":47,"start":310.845,"end":326.18},{"sentences":[{"text":"But if you can then stop on page 11 where it says your risk 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new products and features that comes out.","start":393.555,"end":408.09,"sentiment":"positive","sentiment_score":0.4095553494989872},{"text":"So it is good to assess it every now and then just to make sure we have you in the best option.","start":408.09,"end":413.71,"sentiment":"positive","sentiment_score":0.4408276216550307},{"text":"And at the moment, Hub twenty four is very competitive when it comes to pricing features, but also investment choices.","start":414.09,"end":422.715,"sentiment":"positive","sentiment_score":0.48853453397750857}],"sentiment":"positive","sentiment_score":0.422177717988861,"channel":0,"num_words":116,"start":384.87,"end":422.715},{"sentences":[{"text":"So I have recommended that you both stay with Hub twenty four.","start":422.85498,"end":426.235,"sentiment":"positive","sentiment_score":0.5396554271380106},{"text":"Now I use Hub twenty four for my personal super as well, and it is very competitive, like I said, with with fees and 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a copy if you do wanna have a read over it.","start":1188.375,"end":1190.855,"sentiment":"neutral","sentiment_score":0.27561717640076366},{"text":"If not, we always have a copy on file as well if you ever need it.","start":1190.855,"end":1193.7329,"sentiment":"neutral","sentiment_score":0.17262512631714344}],"sentiment":"neutral","sentiment_score":0.22068808302283288,"channel":0,"num_words":30,"start":1188.375,"end":1193.7329},{"sentences":[{"text":"Okay.","start":1193.97,"end":1194.47,"sentiment":"positive","sentiment_score":0.3371999263763428},{"text":"Thank 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The speaker recommends staying in the current investment strategy and reduce fees to provide a better portfolio. The agent emphasizes the importance of making small changes to reduce fees and increase performance of the portfolio. The agent provides information on risk profile and beneficiary nominations and explains the authority to proceed and how to implement the advice. The customer is advised to sign the documents and add their signature. The agent reminds the customer to read over the documents and offers to book them in for another catch-up if needed."},"intents":{"segments":[{"text":"Now do either of you have access to your emails Hailey. at the moment? Yeah.","start_word":130,"end_word":144,"intents":[{"intent":"Check email access","confidence_score":0.00035003686}]},{"text":"Now on the cover page here, you can see that this has been tailored through both of you. You can also see my details listed on the cover page. You'll see my authorized representative number listed as well, and I am licensed under OCU Financial. Now if you wanna scroll to the second page, you will see the best interest due to I outline. Can you see that?","start_word":329,"end_word":396,"intents":[{"intent":"Guide website navigation","confidence_score":0.0022867147}]},{"text":"So if you can then scroll through page six, you should see that table where it says our advice to you now.","start_word":731,"end_word":752,"intents":[{"intent":"Inform and review recommendations","confidence_score":0.00038081955}]},{"text":"So it is good to assess it every now and then just to make sure we have you in the best option.","start_word":1046,"end_word":1067,"intents":[{"intent":"Evaluate portfolio flexibility","confidence_score":0.000078623074}]},{"text":"Now we've kinda Yep. keep it as little as possible for you, and it does change on a daily, but it is roughly $233, which is on the top line where it says the balance, and you see the difference. That's what that is. Yep.","start_word":1506,"end_word":1550,"intents":[{"intent":"Optimize investment balance","confidence_score":0.0058023143}]},{"text":"So the one thing that we are completely changing there for you is let me just see if I can see it here, is that we are changing the the Benelong for $8,200.","start_word":1761,"end_word":1793,"intents":[{"intent":"Change investment options","confidence_score":0.118839845}]},{"text":"Now what that then looks like in terms of the asset allocation, you can see on the next couple of pages.","start_word":2126,"end_word":2146,"intents":[{"intent":"Provide asset allocation and portfolio information","confidence_score":0.0004653424}]},{"text":"Again, you can see your risk profile aiming for about that eighty twenty split, but they can vary between 80 up to 90 and then 20 to 10. Your existing portfolio and then the proposed. So you can see that the proposed is slightly less in growth, still very much keeping you aligning with your growth profile and still making sure that those returns are improved a little bit as well.","start_word":2153,"end_word":2223,"intents":[{"intent":"Discuss risk profile and portfolio alignment and growth","confidence_score":0.00011773718}]},{"text":"And then I have also included the information in regards to beneficiary nominations. So it is important that we do get that sorted for both of you as well. And by nominating each other, it is a 100% tax free if something were to happen to either of you. Yep.","start_word":2304,"end_word":2353,"intents":[{"intent":"Discuss beneficiary nominations and tax-free setup","confidence_score":0.0009443016}]},{"text":"And as you scroll through, you will also see that I have included some information in regards to setting up a will, as well as power of attorney.","start_word":2387,"end_word":2414,"intents":[{"intent":"Provide will and power of attorney information","confidence_score":0.00078814995}]},{"text":"It is something I always recommend to everyone to have a bit of a, look at and consider. So I've just included that information for you, which then takes us basically through the end, which is just the remuneration side, and that is page 35. Yep.","start_word":2415,"end_word":2460,"intents":[{"intent":"Recommend additional information","confidence_score":0.0032183314}]},{"text":"So the last couple of pages will show the authority to proceed and then how to implement the advice. So if you guys are happy to go ahead with the investment change, we will do all of that for you. We will just need you to sign the document if you are happy to do so. But if you guys want to take some time and have a bit of a read over it as well, you are more than welcome to do that. 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Good Is this afternoon.","start_word":1,"end_word":6,"sentiment":"positive","sentiment_score":0.3628976047039032},{"text":"Andrew? Yep. This is Veronica from Mercy Financial. How are you? K.","start_word":7,"end_word":18,"sentiment":"neutral","sentiment_score":0.19236187636852264},{"text":"Thanks. That's good.","start_word":19,"end_word":21,"sentiment":"positive","sentiment_score":0.5452319979667664},{"text":"Do I have Hailey there as well? Yep. Yep. Yeah. Yep. Yep.","start_word":22,"end_word":33,"sentiment":"neutral","sentiment_score":0.10384918749332428},{"text":"Perfect.","start_word":34,"end_word":34,"sentiment":"positive","sentiment_score":0.5349668860435486},{"text":"Now like I told Hailey, I did have you guys booked in. It is a pretty quick one today just to go over the research I did on your super investment. Yep. Do Yep. you guys remember that conversation? Yep. Yep. Yep.","start_word":35,"end_word":76,"sentiment":"neutral","sentiment_score":0.2145829945802689},{"text":"Perfect.","start_word":77,"end_word":77,"sentiment":"positive","sentiment_score":0.3509698212146759},{"text":"Now I do have to let you guys know that the calls are being recorded for quality and coaching purposes, if that's okay. Yep. Yep.","start_word":78,"end_word":102,"sentiment":"neutral","sentiment_score":0.10872270166873932},{"text":"Perfect.","start_word":103,"end_word":103,"sentiment":"positive","sentiment_score":0.34723347425460815},{"text":"And I do have a password on file for both of you. Do you know where that is? Yeah. Andy. Yep. Hailey. And yeah. Exactly. Perfect. Now do either of you have access to your emails Hailey. at the moment? Yeah. I can. Yeah. So I have sent you both the same documents. Just a a copy each just with the recommendation. It is the same one. So even if you wanna look on on one phone or both of you, it's up to you. Yeah. Yeah. I've got it. Okay. Perfect. And did you get that email as well, Hailey? Yeah. I've got it. Yep. Okay. Perfect. Now I have made some recommendation on a couple of investment switches for you.","start_word":104,"end_word":225,"sentiment":"neutral","sentiment_score":0.11434098333120346},{"text":"It is pretty straightforward today.","start_word":226,"end_word":230,"sentiment":"positive","sentiment_score":0.3560114800930023},{"text":"Now every time we do make a recommendation, we have to put everything in a statement of advice for you so that you fully understand everything. Now a lot of it is just for compliance purposes, and it is pretty straightforward today. So you will see that it is 40 pages. I won't go through all of that with you because, otherwise, I'll keep you here for a while. I'll go through the main points, and then you guys can have a read over it in your own time. Is that okay? Yep. Yep. Yeah. Yep. Perfect. Now on the cover page here, you can see that this has been tailored through both of you. You can also see my details listed on the cover page. You'll see my authorized representative number listed as well, and I am licensed under OCU Financial. Now if you wanna scroll to the second page, you will see the best interest due to I outline. Can you see that? Mhmm. What page was it again? Sorry. Page two. Yeah. Yep. Have you either of you heard of this before? No. No. Essentially, what it means is that we have to act in your best interest at all time, and the advice itself has to put you in a better position. Otherwise, we can't actually make the recommendation. So, essentially, Yep. there's a lot of laws and legislation in place to protect you guys, essentially. Okay. Now as you scroll through, you will see scope of advice, which is page three. Basically, what that means and refers to is the areas we are looking at today. So like I said, pretty straightforward. We are just looking at your superannuation, specifically your investments to see if we could complete any of these changes. And I have also included a bit of a state planning as well just to make sure we get everything set up for you. Otherwise, not making any changes in regards to insurances. Just literally that's due for under state planning. Does that make Yep. sense? Yep. Yeah. Yep.","start_word":231,"end_word":576,"sentiment":"neutral","sentiment_score":0.11206985706452688},{"text":"Perfect.","start_word":577,"end_word":577,"sentiment":"positive","sentiment_score":0.4489712119102478},{"text":"So if you guys wanna then scroll down to page six, you should see a little table where it says our advice to you. Just let me know if you can see that. Can you guys see that okay? No. Hang on a sec. Which sorry. Sorry. Which one was I supposed to open the If the you one click on the the link where it says sign now oh, okay. Yep. Sorry. No. I got another one. you're probably what are you talking about Yeah. about? I'm glad you Yeah. said something. Yeah. No. If Okay. you wanna Good. click on Yeah. the I got it now. yeah. Yep. Now the one that you were in is the appendix. So that further research goes in, and you will also see a investment link through the investment change in there. So if you do wanna go back later, that's that document. Yep. Yep. So if you can then scroll through page six, you should see that table where it says our advice to you now. Yep. Yep.","start_word":578,"end_word":754,"sentiment":"neutral","sentiment_score":0.09370863639702232},{"text":"So this just outlines the strategies themselves. So like I said, I have recommended that you both retain hub twenty four and literally just change your investment and a bit of estate planning.","start_word":755,"end_word":787,"sentiment":"positive","sentiment_score":0.4192369878292084},{"text":"Now I'll get Yep. you guys to kind of scroll through. You'll have some information about your assets and liabilities. That's just from the back line. You will see your superannuation, your insurances. I won't go through that again because we kinda went through all of that during the annual review. But if you can then stop on page 11 where it says your risk profile. Yeah. Yep. Sorry. We're not making any changes to either of your risk profile. We are keeping it aligning with our growth portfolio. It's still very suitable for where you guys are at, how much time you have until retirement, and the level of risk you guys are comfortable with for not making any changes in regards to that. And these couple of pages just gives you some some information in regards to that growth profile again for you. Now Yep. that then takes us to page 13, which actually outlines the recommendation as themselves. But I usually find it easier if you wanna scroll down to page 17, and that is for you first, Andrew. Yep. Yep.","start_word":788,"end_word":971,"sentiment":"neutral","sentiment_score":0.15332786738872528},{"text":"So what I have recommended, now this is the same for both of you, is to stay in hub twenty four and change your investments. Now I did do research on both hub twenty four and a lot of different options as well just to make sure hub twenty four is still going to be the best option for both of you because there are always new products and features that comes out. So it is good to assess it every now and then just to make sure we have you in the best option. And at the moment, Hub twenty four is very competitive when it comes to pricing features, but also investment choices. So I have recommended that you both stay with Hub twenty four. Now I use Hub twenty four for my personal super as well, and it is very competitive, like I said, with with fees and options.","start_word":972,"end_word":1123,"sentiment":"positive","sentiment_score":0.46228017226645823},{"text":"So not making any changes in regards to that. But Yep. for you, Andrew, by making just the investment change, and it's literally just one change and rebalancing your portfolio, you can Yep. see that the total cost is a little bit cheaper for you by literally just swapping out that Benelon investment I touched on briefly last time. Yeah. I can.","start_word":1124,"end_word":1185,"sentiment":"neutral","sentiment_score":0.2194214314222336},{"text":"So it is reducing the fees a little bit, which is great. So now that is a yearly fee saving. And you can see as well the performance is slightly better.","start_word":1186,"end_word":1216,"sentiment":"positive","sentiment_score":0.5557069182395935},{"text":"Now like I touched on last time as well, hub twenty four had sorry. Your current portfolio with Benelon has performed really well historically. So this is using a five year rolling average to give you a bit more certainty of the portfolio. And when we are looking at a little bit more longer term, Benelon was very competitive. But more recently, they have underperformed a little bit. So when we are looking more short term, it is not as competitive. And then we believe also moving forward that they are not going to be as competitive as the option we have recommended. So Yeah. even though it only looks like it's a little bit of a change, if you scroll down through page 18, you can then see that is a little bit of a bigger change when we are looking at your twelve month period. Can you Yep. see that? Yep. Yep. Now you can also see if you scroll back up to page 17 again, it is then just projected five and ten years for you, and it is making a little bit of a change. There was nothing drastic that we had to change with your recommendation or strategy.","start_word":1217,"end_word":1419,"sentiment":"neutral","sentiment_score":-0.021961010992527008},{"text":"It was doing really well for you.","start_word":1420,"end_word":1426,"sentiment":"positive","sentiment_score":0.744812548160553},{"text":"Literally just swapping out one investment that was underperforming and rebalancing. Yep. Now what the pages that you scrolled past before outlines the advantages in regards to it, which I've kind of touched on as well, but then also some disadvantages and risks to be mindful of. Now one of the disadvantage is that every time we do make an investment change, so if we are selling any investments, there will be some capital gains tax associated with it. Now we've kinda Yep. keep it as little as possible for you, and it does change on a daily, but it is roughly $233, which is on the top line where it says the balance, and you see the difference. That's what that is. Yep. Does that make sense? Yeah. Yep.","start_word":1427,"end_word":1556,"sentiment":"neutral","sentiment_score":-0.04833279177546501},{"text":"Perfect.","start_word":1557,"end_word":1557,"sentiment":"positive","sentiment_score":0.436722993850708},{"text":"Now for you, Hailey, it is basically exactly the same, but obviously tailored for your super balance. So Yep. that is page 19. So, again, making that couple of change now on a higher balance, it makes a bigger difference as well when it comes to the the fee. You'll still Yeah. save a little bit, though, which is good. So your total fee saving is about $96. The capital gains tax is a little bit less too, which is good, about $43. Okay. Yep. Again, you can then see on the following page projected forward five and ten years. And, again, similar with the investment returns outlined underneath that.","start_word":1558,"end_word":1667,"sentiment":"neutral","sentiment_score":0.17964978516101837},{"text":"That all makes sense so far for you as well, Hailey?","start_word":1668,"end_word":1678,"sentiment":"positive","sentiment_score":0.3442729115486145},{"text":"Yeah. Yes.","start_word":1679,"end_word":1680,"sentiment":"neutral","sentiment_score":0.18843433260917664},{"text":"Perfect.","start_word":1681,"end_word":1681,"sentiment":"positive","sentiment_score":0.39508306980133057},{"text":"Now on the next page, and it is the same for both of you. It's just different figures because, again, you have different balances, but it is outlining the investment change. So you will see on the first column can you see that investment table first? Yep. Yeah. Yep. So you can see all your current investments. You can see the current weight, how that represents from a balance point of view, and then the buy and sell. So the one thing that we are completely changing there for you is let me just see if I can see it here, is that we are changing the the Benelong for $8,200. So you will see here the the BetaShares Australia two hundred has been added instead of the Bennelong Australian Equities. That is the biggest change, and that is that one I passed on last time, which is the Bennelong investment that was underperforming, having a bit more of that active component in buying and selling different investments. But why when we did swap that out, we wanted to make sure we still keep you in line with your asset allocation and keep you very diversified. So we wanted to find another option to swap it for in Australia. But Mhmm. the BetaShares Australia two hundred, the way that that one works a little bit different, which is why it's a little bit cheaper, is that it invests in the 200 largest companies listed on the ASX. So you'll have all your big banks and Commonwealth. You will have BHP, Woolworths, for example, all the big companies to make it very diversified. And as a company kind of grows and gets into those top 200, it gets added. And as something gets smaller, it kind of falls out. Does that make sense? Yep. Yeah. Yep.","start_word":1682,"end_word":1986,"sentiment":"neutral","sentiment_score":0.10536642008629002},{"text":"Perfect.","start_word":1987,"end_word":1987,"sentiment":"positive","sentiment_score":0.3526330590248108},{"text":"Now the other change you can see, it is just rebalancing your portfolio. And by what I mean by that is that over time, different investments perform differently. And as a result, the mix of investments in your super can gradually move away from the strategy that we originally set out to match your goals and your risk tolerance. So, basically, rebalancing, it just means adjusting the portfolio back to its target allocation so that it does continue to reflect the level of risk returns that is appropriate for you. Does that also make sense? Yeah. Yeah. Yeah.","start_word":1988,"end_word":2085,"sentiment":"neutral","sentiment_score":-0.0255954060703516},{"text":"Perfect.","start_word":2086,"end_word":2086,"sentiment":"positive","sentiment_score":0.353912353515625},{"text":"So, otherwise, your only change that the only major change is just been along for the a 200, which is reflected here, and that is exactly the same for you, Hailey, which is the table Yes. underneath it. Now what that then looks like in terms of the asset allocation, you can see on the next couple of pages. So first, you'll have your situation, Andrew. Again, you can see your risk profile aiming for about that eighty twenty split, but they can vary between 80 up to 90 and then 20 to 10. Your existing portfolio and then the proposed. So you can see that the proposed is slightly less in growth, still very much keeping you aligning with your growth profile and still making sure that those returns are improved a little bit as well.","start_word":2087,"end_word":2223,"sentiment":"neutral","sentiment_score":0.15524847577088072},{"text":"So just making it slightly more defensive, so a little bit less fluctuations, which is good, while still maintaining that growth aspect.","start_word":2224,"end_word":2245,"sentiment":"positive","sentiment_score":0.3921460211277008},{"text":"Yep. Does that all make sense as well?","start_word":2246,"end_word":2253,"sentiment":"neutral","sentiment_score":0.3088696002960205},{"text":"Yep. Perfect. Now exactly the same for Yeah. you, Hailey. Risk profile existing and proposed as well. Just having, showing it tailored for both of you. And that was essentially your super investment. So pretty straightforward. Just the one investment change and rebalancing both of your portfolios back into alignment.","start_word":2254,"end_word":2303,"sentiment":"positive","sentiment_score":0.4794076979160309},{"text":"And then I have also included the information in regards to beneficiary nominations.","start_word":2304,"end_word":2316,"sentiment":"neutral","sentiment_score":0.31521061062812805},{"text":"So it is important that we do get that sorted for both of you as well. And by nominating each other, it is a 100% tax free if something were to happen to either of you.","start_word":2317,"end_word":2352,"sentiment":"positive","sentiment_score":0.4050756990909576},{"text":"Yep. Yep. Yep. Now we touched on that a little bit last time, so I won't go through all of that. But, again, it is outlined for you on the next couple of pages. And as you scroll through, you will also see that I have included some information in regards to setting up a will, as well as power of attorney.","start_word":2353,"end_word":2414,"sentiment":"neutral","sentiment_score":0.16216713190078735},{"text":"It is something I always recommend to everyone to have a bit of a, look at and consider.","start_word":2415,"end_word":2432,"sentiment":"positive","sentiment_score":0.4249643087387085},{"text":"So I've just included that information for you, which then takes us basically through the end, which is just the remuneration side, and that is page 35. Yep. Yep. Yep. Now like I touched on during the under review as well, there is no changes in regards to the fee structure. Because both of you are a client, it is reduced at 1.1 from super. That stays exactly the same. Now I have also included here for you just to show you, Andrew, that with your Clearview insurances, we do get a commission on the premium, but that is ClearView paying us. It is not you paying us. It's the same for every single insurer out there, so it doesn't sway us in any way to recommend one provider over the other before compliance purposes so that you are fully aware it is Yep. included there for you. But, again, Okay. that is not you paying that amount. Does that make sense? Yep. Yep.","start_word":2433,"end_word":2596,"sentiment":"neutral","sentiment_score":0.12974673995702732},{"text":"Perfect. And that is essentially everything. So the last couple of pages will show the authority to proceed and then how to implement the advice. So if you guys are happy to go ahead with the investment change, we will do all of that for you.","start_word":2597,"end_word":2642,"sentiment":"positive","sentiment_score":0.4466932713985443},{"text":"We will just need you to sign the document if you are happy to do so. But if you guys want to take some time and have a bit of a read over it as well, you are more than welcome to do that. Yep. Yep.","start_word":2643,"end_word":2688,"sentiment":"neutral","sentiment_score":0.3084895610809326},{"text":"Perfect.","start_word":2689,"end_word":2689,"sentiment":"positive","sentiment_score":0.49674421548843384},{"text":"Now do you guys have any questions at all in regards to any of that, or that was pretty straightforward? Not too many No. I'm pretty changes straightforward. today? Straightforward. Yeah.","start_word":2690,"end_word":2720,"sentiment":"neutral","sentiment_score":0.18504317104816437},{"text":"Alright. Perfect. Well, if you guys don't have any other questions, I will let you go, and enjoy the rest of your evening.","start_word":2721,"end_word":2743,"sentiment":"positive","sentiment_score":0.45392778515815735},{"text":"Like I said, feel free to have a read over the documents. If you're happy to do so, just add your signature. It will be one for each of you.","start_word":2744,"end_word":2773,"sentiment":"neutral","sentiment_score":0.2623148262500763},{"text":"Once you've added the signature and the date and press validate, it should then automatically send it back to me. And that lets me know if you are happy to go ahead, and I will let the team know we can make that one investment switch for Yeah.","start_word":2774,"end_word":2821,"sentiment":"positive","sentiment_score":0.38756313920021057},{"text":"you. I've just done mine. Okay. Okay.","start_word":2822,"end_word":2828,"sentiment":"neutral","sentiment_score":0.18690183758735657},{"text":"Perfect.","start_word":2829,"end_word":2829,"sentiment":"positive","sentiment_score":0.39586013555526733},{"text":"I'm And I done. think it will also ask you, Hailey, as well before it kind of comes through. Yeah. I'm just going through it. I think that's the I think I did what you did. Take care of that. Sometimes it gets stuck on the text box as well, so let me know if you could do have that issue. It's just loading it. At the moment, I've signed it. It's just loading it. Yep. It usually comes through pretty quick, but let me refresh sometimes this time of the night. Tend to be a little bit slower for some reason. Two way. Did it finish loading for you, Andrew? Yeah. Mine did it straight away.","start_word":2830,"end_word":2946,"sentiment":"neutral","sentiment_score":-0.04515470258700542},{"text":"Mine's just being a pain in the ass.","start_word":2947,"end_word":2954,"sentiment":"negative","sentiment_score":-0.42946162819862366},{"text":"Do you have different service, like, different networks, or Yeah. you're just Yeah. on that phone? Yeah. He I'm with Vodafone, and he's with Telstra. Yeah. I don't know why. It just keeps saying still loading. Refresh it. Done. It's it says it's signed. Yep.","start_word":2955,"end_word":2999,"sentiment":"neutral","sentiment_score":-0.04876365512609482},{"text":"Perfect.","start_word":3000,"end_word":3000,"sentiment":"positive","sentiment_score":0.40164828300476074},{"text":"Yep. I can see that, Andrew, yours just came through, and then I'm sure yours, Haley, will come through shortly as well if that just finished. So I'll keep a lookout for that.","start_word":3001,"end_word":3033,"sentiment":"neutral","sentiment_score":0.28570857644081116},{"text":"I'll let the team know, and we'll go ahead and make this switch for you.","start_word":3034,"end_word":3048,"sentiment":"positive","sentiment_score":0.34441304206848145},{"text":"If you guys have any questions or need anything at any point in time, though, don't hesitate to give me a call or send me an email, and we can always book you in for another catch up. Okay. Cool. Yep.","start_word":3049,"end_word":3089,"sentiment":"neutral","sentiment_score":0.13039091229438782},{"text":"Beautiful. Well, thank you so much for your time this evening, I got and the I hope you I got yes?","start_word":3090,"end_word":3110,"sentiment":"positive","sentiment_score":0.5066139698028564},{"text":"the downloaded version of both of our signatures, so you should get it.","start_word":3111,"end_word":3123,"sentiment":"neutral","sentiment_score":0.28650471568107605},{"text":"Oh, beautiful. Yes. I can see yep. I can see here that it has been fully signed, for Yep. for both of you, which is great.","start_word":3124,"end_word":3149,"sentiment":"positive","sentiment_score":0.46687889099121094},{"text":"Okay.","start_word":3150,"end_word":3150,"sentiment":"neutral","sentiment_score":0.2862080931663513},{"text":"And, yeah, Awesome.","start_word":3151,"end_word":3153,"sentiment":"positive","sentiment_score":0.3807210326194763},{"text":"you can download a copy if you do wanna have a read over it. If not, we always have a copy on file as well if you ever need it.","start_word":3154,"end_word":3183,"sentiment":"neutral","sentiment_score":0.2230198601881663},{"text":"Okay. Thank you. Yep. Beautiful. Well, thank you so much, and you enjoy the rest of your evening. Yeah. You too.","start_word":3184,"end_word":3204,"sentiment":"positive","sentiment_score":0.6551149487495422},{"text":"Mhmm.","start_word":3205,"end_word":3205,"sentiment":"neutral","sentiment_score":0.1657971888780594},{"text":"Thank you. Bye. Thank you. Thanks.","start_word":3206,"end_word":3211,"sentiment":"positive","sentiment_score":0.5052986145019531},{"text":"Bye. Bye.","start_word":3212,"end_word":3213,"sentiment":"neutral","sentiment_score":0.28072136640548706}],"average":{"sentiment":"neutral","sentiment_score":0.16496989801738338}}}}