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Had a busy day. Yeah. Yes. Yes. I can imagine. Today shouldn't take too long, though. It is pretty straightforward. So let me know when you guys are ready. Yes? You yep. Beautiful. Now same as last time, I have to send you guys an email with the recommendation to go through. Does either of you have access to your emails or to get it up by any chance? Yep. Beautiful. And it's the same. I've sent you the same email, and it's like a joint document to make it nice and easy as well. And it should say signature request same as last time. Yep. Yes, please. And then you should see the cover page where it says prepared for James and Elizabeth. Yeah. Perfect. So every time we do make a recommendation, we have to put everything in a statement of advice for you just to make sure you guys fully understand everything. It is pretty straightforward today. Sorry. I'll go through just, like, the main points, and then I'll let you guys have a have a read over it. It won't take as long as it did the first time, and you'll see it's about 36 pages, but it is pretty straightforward today and only a few changes. But, yeah, again, the document is just to make sure that it gives you the opportunity to read over everything, make sure you fully understand everything, and that you're not happy before with anything. Does that all make sense? Yep. Beautiful. Now, again, on the cover page, you can see my details listed. You can see my authorized representative number, and I'm licensed under OQ Financial. Now on the second page, page, you'll see that best interest duty again. So, again, same as last time, we always just have to make sure that we act in your best interest at all time and that it the advice itself put you guys in a better position as a result of the advice. Now as you scroll through, let me know as well at any point in time if you do have any questions or if I go through anything too quickly. Otherwise, if you wanna scroll through page three, it should say scope of advice. Yep. Perfect. So, again, kind of same as when we go when we went through it last time. It's just the areas we are focusing on today. The main purpose is to look at your superannuation, specifically your investments to see if we wanted to make any changes for any investment. Obviously, with all the markets and everything that's changing, that was the main purpose of today. Not making any changes in regards to insurances or anything else. It is simply just looking at your super investments. Yep. Beautiful. Now if you then wanna scroll through, you will basically see limited advice, kind of same as last time. You will see about you sections, assets and liabilities again. And then if you want to get to page eight, you will see just your situation. So you both have your super with hub twenty four. You will have your insurances first, James, and then on the second page for Elizabeth. I won't go through this in too much detail because we kinda went through it over the annual review unless you guys have any questions in regards to any of that. No. That's all good. Okay. Perfect. Now if you then wanna stop on page 10, it talks about your risk profile. You can see that. Yep. Perfect. So when we obviously had the discussion during the annual review, you both are still very much aligned with that risk profile of being a growth investor, that we're not making any changes whatsoever in regards to the risk profile or increasing or decreasing risk. We are keeping that exactly the same for both of you, literally just swapping some investments around. Yep. Perfect. Now what that actually looks like is if you can scroll down for me, makes it a little bit easier first. If you can scroll through page 15, it should be another fee comparison table, and this one here is for you, James. Yep. So let me know if you can see that table. Yep. Beautiful. So part of the research, and this is for both of you, is I did reset hub twenty four again just to make sure it's still a good option for you because there's always new products and features that come out. So it is good to kind of keep up with that research just to make sure we still have you in the best options possible. Nothing tying us to hub twenty four at all. So it is good to just kind of reassess every now and then. And after doing research, I have recommended that both of you stay in hub twenty four. Still very competitive, still very competitive with fees and investment choices and and flexibility. So not changing super funds. Literally just changing investments to make it nice and easy. Now, James, what that looks like for you, you can see here. So, again, insurance stays the same. Contribution stays the same. Advise fee stays the same. It is literally changing some investments around for you. And you can see here in this table that by just swapping a couple investments out, it is actually saving you about $883 in per year in investment fees alone, which is pretty good. Yep. Now in terms of performance as well, again, using that same five year rolling average because, obviously, you can't guarantee performance of what's going to happen. And that's why we do like to use that five year rolling average to give us a little bit more certainty of what has happened in the world and the portfolio as well to give us a little bit more certainty. And, again, you can see that by making a couple of changes to the investments, it is improving the performance a little bit, not a huge bit, but still about 1.31%. And when you add that along with the investment saving, it is still making a pretty big difference when we are then looking at compounding for five and ten years, which you can see in the table underneath it. Does that make sense? Yeah. Does that make sense? Yep. Yep. Perfect. Now the one thing I do want to let you know as well is if you look at the top table where it says balance and you see a difference of $555. Can you see that? Yeah. Yeah. Perfect. So, basically, what this is, it is the capital gains tax. So when we are changing investments, the same as, like, with an investment investment property, if you were to sell an investment that has gone up, there is capital gains tax associated with the change. Now I've tried to minimize that as much as possible for you by still making sure we do change any investments that we want to. And if I look through changing all your investments completely, the capital gains tax was looking at about 2,943. So I obviously wanted to minimize that as much as possible for you, and it will be estimated at about 555 dollars. Does that make sense? Yep. Perfect. Now with the capital gains tax as well, it automatically comes out of your $0.5.24. So it's not something that you have to pay for personally. It's not something you ever have to declare on a tax return or anything like that. It's all taken care of within the super environment, but it is something I do wanna let you know. And, obviously, it does change on a daily depending on prices and stuff like that as well. But you can see that the investment fee saving per year alone, and that's just a one off fee with the capital gains tax when we are making the change, you very quickly will make up that difference as well. Do you have any questions in regards to any of that? No? Sure? Yep. Okay. Perfect. That sounds good. Perfect. Now on the following page, you can then see that I have included a little bit more information in regards to the performance. So twelve months, three years, five years, and ten years. And you can see that even though your current portfolio has done pretty good, the recommended has still performed a little bit better historically, which, again, will make a big difference when we are compounding everything for you. Yep. Now what that actually looks like in terms of the investment changes, and this is the same for both of you, and I will show you the updated projection for you, Ellie, after the investment table here. But when it comes through page 17, you should see, like, a big investment table. So in terms of swapping investments, I have recommended the same. For both of you, you're in the same risk profile and had the same investment portfolio before as well. Does that make sense? Yeah. Beautiful. Now this table here can look a little bit messy, but, essentially, what it does, it shows you your investment name. So, essentially, what what they're called, you then have the kind of special little code. You have then your current weight, so how much you currently have allocated to each investment option and then what that looks like from a dollar value. Now the column next to it is then the buy and sell. So this is where you can see everything in red is what we are either selling out of or just reducing the exposure that you have in that portfolio investment. And then black is either what we're adding to investment. Does that make sense? Yep. Beautiful. Now when it comes to kind of putting together the portfolio portfolio, it hasn't changed. We are still using that core and satellite approach to investments and, obviously, focusing on the core investments, which does represent that backbone of the portfolio. Just making a couple of changes, obviously, with mark recent market trends and making sure that we keep things very diversified and are proactive with your investments because things do always change. In the last twelve months, we have obviously seen quite a bit of changes, we obviously wanna make sure we stay on top of that. So when it comes through those kind of core investments for both of you, you have your iShares S and P 500. Now you already have this in your portfolio. It was at about 20.28%, just increasing that up to 30. So keeping that in your portfolio, it's a very good solid investment, very diversified in those 500 biggest companies listed in America. So very diversified, keeping that in your portfolio. The one other core investment that we have changed is that Benelon Australian Equity. Now this is the investment I kind of touched on during the annual review that I really wanted to look at changing because it has underperformed a little bit. But you can see that's your top one where it says Benelon Australian equity. We're selling completely out of that one. Instead, we are introducing the second one from the bottom where it says the Australia two 100. Can you see that? Yeah. No. That's all good. As long as as long as you can hear me, that's fine. Now the beta sales Australia is a little bit different to Bennelong. It is both Australian investments because we wanna make sure we still keep things diversified. But with the Bennelong investment, it is that managed fund fund where they are actively buying and selling different investments in order to try and outperform the market. Whereas the BetaShares Australia three hundred, it is similar to your iShares s and p five hundred, but it's in the Australian market. So it invests in the 200 largest companies listed on the ASX. So you will have kind of, like, your Commonwealth, your BHP, Woolworths, all the big companies in Australia. Yes. So, again, keeping things very diversified, especially with a bit of market volatility and fluctuations. It also means that if something were to happen to one company, it won't impact things as much because you do have a broad range of companies in that one single investment option. Does that make sense? Yeah. Option. Does that make sense? Yeah. Yep. Beautiful. Then moving on to kind of your satellite investments. So these, again, are those kind of little bit specialized investments, can be a little bit more volatile, and that's why they do represent that smaller portion to your portfolio. So cybersecurity, you already had in your portfolio, both of you. We are keeping that in your portfolio, just reducing it by about 1%. So instead of having 5.97, just bringing that back to a 5%, but still very much want to keep it in your portfolio. Same for your defensive gold. You already had that again in your portfolio, but you had it at about 8.46%, and it's just increasing that up to 10%. Then when it comes to the the new kind of changes to the investments, the main purpose is to make sure we keep things very diversified, kind of focusing on minimizing, I guess, fluctuations in the market as well, so not having as much kind of investments that are as specialized, so a little bit more diversified than solid investments. Those are kind of your bottom ones. So, again, we wanna make sure we diversify across the globe. So we've introduced 8% to Europe. Again, very diversified investment for you. We have 5% allocated to Japan, and then you have 8% in one that's called your Vanguard or World. World. But this one here does exclude The US because you already have exposure to The US market in that IHS S and P 500. And at the same time, we wanna make sure you don't have too much exposure to just one particular market, if that makes sense. Yep. Beautiful. Then we have just changed one of your defensive investments, just one of the bank hybrids, through your iShares core composite bond, like your fixed interest investments. We do wanna keep some of those defensive components to your portfolio to limit fluctuations a little bit as well. Do you guys have any questions in regards to any of that? No? Okay. Perfect. Now if you guys wanted to go and have a bit of a read over the investments as well, it's in the appendix, which is the second attachment. I have included all the investment links there for you. So if it is that you guys wanted to go and have a bit of a read over it, all the information is there for you. But, essentially, not major changes. It is just changing a few things just to kind of aligning with what is currently kind of happening in the market and then in the future as well. Yep. Beautiful. Now when it comes through the asset allocation, that is page 19 for you, James, If you can see that. Yep. Perfect. So you can see your risk profile aiming at around that eighty twenty allocation, 80 to growth, and 20 to defensive. You have your existing portfolio, which is at eighty one ninety one, 18 o nine to defensive, and then proposed, which is about $84.93, and then 15 o eight. So both very much aligned to your growth profile. Just a little bit more growth in your proposed, but, again, both very much aligning with that growth profile for you. Yep. Beautiful. Now do you have any questions at all before I kind of move on to what that looks like for Elizabeth as well? Pretty. Yeah. Beautiful. Now same same for you, Ellie. A lot of wording. Again, just kind of talking about the best interest duty on how this recommendation aligns with your best interest. Same as James, we're taking a lot of consideration, like your personal circumstances, like capital gains tax, risk tolerance, time frame, everything that goes into the investment. Now what that looks like for you is if you want to scroll down through page 23, you will then see a similar table to what we went through with James, but this is just tailored to you. Yep. Perfect. Now you can see here as well, we're not changing insurances or anything else. Again, literally just changing those investments around. And by making those couple of investment changes, it is saving you $460 a year, which, again, does add up pretty quickly as well. Yep. Same when it comes to the performance because you guys are invested in the same portfolio currently, and I have recommended the same for you. Again, it's that difference of about 1.31%. Yep. And underneath it, you can kind of see that projected forward again five and ten years. And you can see that by making just those couple of minor changes, it does still make a pretty big difference just even in five years alone by literally just changing. Yeah. Now same for you with the capital gains. So if I were to look at doing a full sell down for you, it would have been about $1,488 in that capital gains tax. Again, obviously, trying to minimize that. And for you, it's estimated at about 277, which is why you can see that difference in the balance at the top. Yep. Does that make sense? Do you have any questions? Yeah. Yeah. Exactly. Very similar, very straightforward, which is great. Again, I have included just for you as well the investment returns on the next page. Again, same portfolio show exactly. Exactly. Now you then have on page 25 exactly the same as we went through with James. The only reason that the numbers are different is because you have different super balances. So, obviously, you have different amounts in terms of changing the investments. It's exactly the same as I went through with James. Yep. Perfect. Again, asset allocation, which is page 27, you can see the same, and it's exactly the same as James. But, again, you are also a growth investor. You're invested in the same portfolio, and I am recommending the same portfolio for you as well. Yep. Beautiful. Which essentially then just takes us through the remuneration section, which is page 30. And like I touched on during the under review, no changes whatsoever in regards to that fee structure for you. It stays exactly the same on that discounted rate because you are a couple at that 1.1% from super. There is no additional fees or charges or anything like that with this advice. It is all part of that ongoing service. And I have, again, just included that MetLife insurance commission there for you to just show you that we do get commissions for the insurance policy. But if you remember from last time, that is not you paying us. It is MetLife paying us. But just for compliance purposes, we do have to disclose all commissions we received so that you guys are fully aware. Yep. Beautiful. And that was essentially everything. So pretty straightforward today. Just keeping you both in hub twenty four and just changing a couple of those investments around for you. Now do you guys have any questions, or what are your thoughts on any of this? Yeah. Beautiful. Yes. Exactly. So, essentially, from here, obviously, if you guys wanna take some time and have a read over the document, you are more than welcome to. If you are happy with the recommendation and you want to go ahead to move forward, it would just be to add a signature for both of you, the same as what you did for during the annual review. Just add a little signature, and it will add the date automatically. And if you both do it, then it will come through to me, and that tells me that you are happy to go ahead with the change, essentially. Yep. Perfect. Do you guys have any other questions for me? Otherwise, before I kind of let you guys go and get on with your afternoon. No? No? Yep. Perfect. And I do also want to let you guys know, I don't know if I remembered it if I told you guys during the annual review or not, but just for a bit of a personal note, I will actually be going on maternity leave in about two weeks. I did tell you that's beautiful. Sorry. I will probably next week send you guys an email, and that'll just be, like, a formal introduction to my colleague, Jenna, who will be taking over from me, sorry, while I'm away. So if you do have any questions, you can just respond to her directly. If you forget and you just send it to me, that's all fine. It will be automatically redirected to her anyway, and you'll be in very capable hands with her, and she will look after you both. And then you I look forward to catching up with both of you while I'm back and see kind of what's happened. Thank you. Yeah. Thank you very much. And, yeah, if there's anything you guys need in the next two weeks, so I'm still here, if you do have any questions, Otherwise, I'll keep a look after that document to see if that come through, and I will let the team know to go ahead with those changes. Or if you decide that you don't want to, just let me know as well just so I can kind of keep an eye on things for you as well. Yep. Beautiful. No worries. Well, thank you so much, for both of your time this afternoon. I will let you get back to it. And anything else you need, don't hesitate to give us a call. Okay? Okay. No worries. Speak soon. 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James. How are you? Yeah. Good. Thanks.\n\nThanks for calling me back. That's all good. Do you and Ellie still have time to go through the research? Yes. Sure.\n\nHi. How are you? Good. Had a busy day. Yeah.\n\nYes. Yes. I can imagine. Today shouldn't take too long, though. It is pretty straightforward.\n\nSo let me know when you guys are ready. Yes? You yep. Beautiful. Now same as last time, I have to send you guys an email with the recommendation to go through.\n\nDoes either of you have access to your emails or to get it up by any chance? Yep. Beautiful. And it's the same. I've sent you the same email, and it's like a joint document to make it nice and easy as well.\n\nAnd it should say signature request same as last time. Yep. Yes, please. And then you should see the cover page where it says prepared for James and Elizabeth. Yeah.\n\nPerfect. So every time we do make a recommendation, we have to put everything in a statement of advice for you just to make sure you guys fully understand everything. It is pretty straightforward today. Sorry. I'll go through just, like, the main points, and then I'll let you guys have a have a read over it.\n\nIt won't take as long as it did the first time, and you'll see it's about 36 pages, but it is pretty straightforward today and only a few changes. But, yeah, again, the document is just to make sure that it gives you the opportunity to read over everything, make sure you fully understand everything, and that you're not happy before with anything. Does that all make sense? Yep. Beautiful.\n\nNow, again, on the cover page, you can see my details listed. You can see my authorized representative number, and I'm licensed under OQ Financial. Now on the second page, page, you'll see that best interest duty again. So, again, same as last time, we always just have to make sure that we act in your best interest at all time and that it the advice itself put you guys in a better position as a result of the advice. Now as you scroll through, let me know as well at any point in time if you do have any questions or if I go through anything too quickly.\n\nOtherwise, if you wanna scroll through page three, it should say scope of advice. Yep. Perfect. So, again, kind of same as when we go when we went through it last time. It's just the areas we are focusing on today.\n\nThe main purpose is to look at your superannuation, specifically your investments to see if we wanted to make any changes for any investment. Obviously, with all the markets and everything that's changing, that was the main purpose of today. Not making any changes in regards to insurances or anything else. It is simply just looking at your super investments. Yep.\n\nBeautiful. Now if you then wanna scroll through, you will basically see limited advice, kind of same as last time. You will see about you sections, assets and liabilities again. And then if you want to get to page eight, you will see just your situation. So you both have your super with hub twenty four.\n\nYou will have your insurances first, James, and then on the second page for Elizabeth. I won't go through this in too much detail because we kinda went through it over the annual review unless you guys have any questions in regards to any of that. No. That's all good. Okay.\n\nPerfect. Now if you then wanna stop on page 10, it talks about your risk profile. You can see that. Yep. Perfect.\n\nSo when we obviously had the discussion during the annual review, you both are still very much aligned with that risk profile of being a growth investor, that we're not making any changes whatsoever in regards to the risk profile or increasing or decreasing risk. We are keeping that exactly the same for both of you, literally just swapping some investments around. Yep. Perfect. Now what that actually looks like is if you can scroll down for me, makes it a little bit easier first.\n\nIf you can scroll through page 15, it should be another fee comparison table, and this one here is for you, James. Yep. So let me know if you can see that table. Yep. Beautiful.\n\nSo part of the research, and this is for both of you, is I did reset hub twenty four again just to make sure it's still a good option for you because there's always new products and features that come out. So it is good to kind of keep up with that research just to make sure we still have you in the best options possible. Nothing tying us to hub twenty four at all. So it is good to just kind of reassess every now and then. And after doing research, I have recommended that both of you stay in hub twenty four.\n\nStill very competitive, still very competitive with fees and investment choices and and flexibility. So not changing super funds. Literally just changing investments to make it nice and easy. Now, James, what that looks like for you, you can see here. So, again, insurance stays the same.\n\nContribution stays the same. Advise fee stays the same. It is literally changing some investments around for you. And you can see here in this table that by just swapping a couple investments out, it is actually saving you about $883 in per year in investment fees alone, which is pretty good. Yep.\n\nNow in terms of performance as well, again, using that same five year rolling average because, obviously, you can't guarantee performance of what's going to happen. And that's why we do like to use that five year rolling average to give us a little bit more certainty of what has happened in the world and the portfolio as well to give us a little bit more certainty. And, again, you can see that by making a couple of changes to the investments, it is improving the performance a little bit, not a huge bit, but still about 1.31%. And when you add that along with the investment saving, it is still making a pretty big difference when we are then looking at compounding for five and ten years, which you can see in the table underneath it. Does that make sense?\n\nYeah. Does that make sense? Yep. Yep. Perfect.\n\nNow the one thing I do want to let you know as well is if you look at the top table where it says balance and you see a difference of $555. Can you see that? Yeah. Yeah. Perfect.\n\nSo, basically, what this is, it is the capital gains tax. So when we are changing investments, the same as, like, with an investment investment property, if you were to sell an investment that has gone up, there is capital gains tax associated with the change. Now I've tried to minimize that as much as possible for you by still making sure we do change any investments that we want to. And if I look through changing all your investments completely, the capital gains tax was looking at about 2,943. So I obviously wanted to minimize that as much as possible for you, and it will be estimated at about 555 dollars.\n\nDoes that make sense? Yep. Perfect. Now with the capital gains tax as well, it automatically comes out of your $0.5.24. So it's not something that you have to pay for personally.\n\nIt's not something you ever have to declare on a tax return or anything like that. It's all taken care of within the super environment, but it is something I do wanna let you know. And, obviously, it does change on a daily depending on prices and stuff like that as well. But you can see that the investment fee saving per year alone, and that's just a one off fee with the capital gains tax when we are making the change, you very quickly will make up that difference as well. Do you have any questions in regards to any of that?\n\nNo? Sure? Yep. Okay. Perfect.\n\nThat sounds good. Perfect. Now on the following page, you can then see that I have included a little bit more information in regards to the performance. So twelve months, three years, five years, and ten years. And you can see that even though your current portfolio has done pretty good, the recommended has still performed a little bit better historically, which, again, will make a big difference when we are compounding everything for you.\n\nYep. Now what that actually looks like in terms of the investment changes, and this is the same for both of you, and I will show you the updated projection for you, Ellie, after the investment table here. But when it comes through page 17, you should see, like, a big investment table. So in terms of swapping investments, I have recommended the same. For both of you, you're in the same risk profile and had the same investment portfolio before as well.\n\nDoes that make sense? Yeah. Beautiful. Now this table here can look a little bit messy, but, essentially, what it does, it shows you your investment name. So, essentially, what what they're called, you then have the kind of special little code.\n\nYou have then your current weight, so how much you currently have allocated to each investment option and then what that looks like from a dollar value. Now the column next to it is then the buy and sell. So this is where you can see everything in red is what we are either selling out of or just reducing the exposure that you have in that portfolio investment. And then black is either what we're adding to investment. Does that make sense?\n\nYep. Beautiful. Now when it comes to kind of putting together the portfolio portfolio, it hasn't changed. We are still using that core and satellite approach to investments and, obviously, focusing on the core investments, which does represent that backbone of the portfolio. Just making a couple of changes, obviously, with mark recent market trends and making sure that we keep things very diversified and are proactive with your investments because things do always change.\n\nIn the last twelve months, we have obviously seen quite a bit of changes, we obviously wanna make sure we stay on top of that. So when it comes through those kind of core investments for both of you, you have your iShares S and P 500. Now you already have this in your portfolio. It was at about 20.28%, just increasing that up to 30. So keeping that in your portfolio, it's a very good solid investment, very diversified in those 500 biggest companies listed in America.\n\nSo very diversified, keeping that in your portfolio. The one other core investment that we have changed is that Benelon Australian Equity. Now this is the investment I kind of touched on during the annual review that I really wanted to look at changing because it has underperformed a little bit. But you can see that's your top one where it says Benelon Australian equity. We're selling completely out of that one.\n\nInstead, we are introducing the second one from the bottom where it says the Australia two 100. Can you see that? Yeah. No. That's all good.\n\nAs long as as long as you can hear me, that's fine. Now the beta sales Australia is a little bit different to Bennelong. It is both Australian investments because we wanna make sure we still keep things diversified. But with the Bennelong investment, it is that managed fund fund where they are actively buying and selling different investments in order to try and outperform the market. Whereas the BetaShares Australia three hundred, it is similar to your iShares s and p five hundred, but it's in the Australian market.\n\nSo it invests in the 200 largest companies listed on the ASX. So you will have kind of, like, your Commonwealth, your BHP, Woolworths, all the big companies in Australia. Yes. So, again, keeping things very diversified, especially with a bit of market volatility and fluctuations. It also means that if something were to happen to one company, it won't impact things as much because you do have a broad range of companies in that one single investment option.\n\nDoes that make sense? Yeah. Option. Does that make sense? Yeah.\n\nYep. Beautiful. Then moving on to kind of your satellite investments. So these, again, are those kind of little bit specialized investments, can be a little bit more volatile, and that's why they do represent that smaller portion to your portfolio. So cybersecurity, you already had in your portfolio, both of you.\n\nWe are keeping that in your portfolio, just reducing it by about 1%. So instead of having 5.97, just bringing that back to a 5%, but still very much want to keep it in your portfolio. Same for your defensive gold. You already had that again in your portfolio, but you had it at about 8.46%, and it's just increasing that up to 10%. Then when it comes to the the new kind of changes to the investments, the main purpose is to make sure we keep things very diversified, kind of focusing on minimizing, I guess, fluctuations in the market as well, so not having as much kind of investments that are as specialized, so a little bit more diversified than solid investments.\n\nThose are kind of your bottom ones. So, again, we wanna make sure we diversify across the globe. So we've introduced 8% to Europe. Again, very diversified investment for you. We have 5% allocated to Japan, and then you have 8% in one that's called your Vanguard or World.\n\nWorld. But this one here does exclude The US because you already have exposure to The US market in that IHS S and P 500. And at the same time, we wanna make sure you don't have too much exposure to just one particular market, if that makes sense. Yep. Beautiful.\n\nThen we have just changed one of your defensive investments, just one of the bank hybrids, through your iShares core composite bond, like your fixed interest investments. We do wanna keep some of those defensive components to your portfolio to limit fluctuations a little bit as well. Do you guys have any questions in regards to any of that? No? Okay.\n\nPerfect. Now if you guys wanted to go and have a bit of a read over the investments as well, it's in the appendix, which is the second attachment. I have included all the investment links there for you. So if it is that you guys wanted to go and have a bit of a read over it, all the information is there for you. But, essentially, not major changes.\n\nIt is just changing a few things just to kind of aligning with what is currently kind of happening in the market and then in the future as well. Yep. Beautiful. Now when it comes through the asset allocation, that is page 19 for you, James, If you can see that. Yep.\n\nPerfect. So you can see your risk profile aiming at around that eighty twenty allocation, 80 to growth, and 20 to defensive. You have your existing portfolio, which is at eighty one ninety one, 18 o nine to defensive, and then proposed, which is about $84.93, and then 15 o eight. So both very much aligned to your growth profile. Just a little bit more growth in your proposed, but, again, both very much aligning with that growth profile for you.\n\nYep. Beautiful. Now do you have any questions at all before I kind of move on to what that looks like for Elizabeth as well? Pretty. Yeah.\n\nBeautiful. Now same same for you, Ellie. A lot of wording. Again, just kind of talking about the best interest duty on how this recommendation aligns with your best interest. Same as James, we're taking a lot of consideration, like your personal circumstances, like capital gains tax, risk tolerance, time frame, everything that goes into the investment.\n\nNow what that looks like for you is if you want to scroll down through page 23, you will then see a similar table to what we went through with James, but this is just tailored to you. Yep. Perfect. Now you can see here as well, we're not changing insurances or anything else. Again, literally just changing those investments around.\n\nAnd by making those couple of investment changes, it is saving you $460 a year, which, again, does add up pretty quickly as well. Yep. Same when it comes to the performance because you guys are invested in the same portfolio currently, and I have recommended the same for you. Again, it's that difference of about 1.31%. Yep.\n\nAnd underneath it, you can kind of see that projected forward again five and ten years. And you can see that by making just those couple of minor changes, it does still make a pretty big difference just even in five years alone by literally just changing. Yeah. Now same for you with the capital gains. So if I were to look at doing a full sell down for you, it would have been about $1,488 in that capital gains tax.\n\nAgain, obviously, trying to minimize that. And for you, it's estimated at about 277, which is why you can see that difference in the balance at the top. Yep. Does that make sense? Do you have any questions?\n\nYeah. Yeah. Exactly. Very similar, very straightforward, which is great. Again, I have included just for you as well the investment returns on the next page.\n\nAgain, same portfolio show exactly. Exactly. Now you then have on page 25 exactly the same as we went through with James. The only reason that the numbers are different is because you have different super balances. So, obviously, you have different amounts in terms of changing the investments.\n\nIt's exactly the same as I went through with James. Yep. Perfect. Again, asset allocation, which is page 27, you can see the same, and it's exactly the same as James. But, again, you are also a growth investor.\n\nYou're invested in the same portfolio, and I am recommending the same portfolio for you as well. Yep. Beautiful. Which essentially then just takes us through the remuneration section, which is page 30. And like I touched on during the under review, no changes whatsoever in regards to that fee structure for you.\n\nIt stays exactly the same on that discounted rate because you are a couple at that 1.1% from super. There is no additional fees or charges or anything like that with this advice. It is all part of that ongoing service. And I have, again, just included that MetLife insurance commission there for you to just show you that we do get commissions for the insurance policy. But if you remember from last time, that is not you paying us.\n\nIt is MetLife paying us. But just for compliance purposes, we do have to disclose all commissions we received so that you guys are fully aware. Yep. Beautiful. And that was essentially everything.\n\nSo pretty straightforward today. Just keeping you both in hub twenty four and just changing a couple of those investments around for you. Now do you guys have any questions, or what are your thoughts on any of this? Yeah. Beautiful.\n\nYes. Exactly. So, essentially, from here, obviously, if you guys wanna take some time and have a read over the document, you are more than welcome to. If you are happy with the recommendation and you want to go ahead to move forward, it would just be to add a signature for both of you, the same as what you did for during the annual review. Just add a little signature, and it will add the date automatically.\n\nAnd if you both do it, then it will come through to me, and that tells me that you are happy to go ahead with the change, essentially. Yep. Perfect. Do you guys have any other questions for me? Otherwise, before I kind of let you guys go and get on with your afternoon.\n\nNo? No? Yep. Perfect. And I do also want to let you guys know, I don't know if I remembered it if I told you guys during the annual review or not, but just for a bit of a personal note, I will actually be going on maternity leave in about two weeks.\n\nI did tell you that's beautiful. Sorry. I will probably next week send you guys an email, and that'll just be, like, a formal introduction to my colleague, Jenna, who will be taking over from me, sorry, while I'm away. So if you do have any questions, you can just respond to her directly. If you forget and you just send it to me, that's all fine.\n\nIt will be automatically redirected to her anyway, and you'll be in very capable hands with her, and she will look after you both. And then you I look forward to catching up with both of you while I'm back and see kind of what's happened. Thank you. Yeah. Thank you very much.\n\nAnd, yeah, if there's anything you guys need in the next two weeks, so I'm still here, if you do have any questions, Otherwise, I'll keep a look after that document to see if that come through, and I will let the team know to go ahead with those changes. Or if you decide that you don't want to, just let me know as well just so I can kind of keep an eye on things for you as well. Yep. Beautiful. No worries.\n\nWell, thank you so much, for both of your time this afternoon. I will let you get back to it. And anything else you need, don't hesitate to give us a call. Okay? Okay.\n\nNo worries. Speak soon. Bye.","paragraphs":[{"sentences":[{"text":"Hi, James.","start":2.6399999,"end":3.36,"sentiment":"neutral","sentiment_score":0.12836262583732605},{"text":"How are you?","start":3.36,"end":4.26,"sentiment":"neutral","sentiment_score":0.1711979458729426},{"text":"Yeah.","start":6.3999996,"end":6.8799996,"sentiment":"neutral","sentiment_score":0.2901053726673126},{"text":"Good.","start":6.8799996,"end":7.2,"sentiment":"positive","sentiment_score":0.5380401611328125},{"text":"Thanks.","start":7.2,"end":7.6,"sentiment":"positive","sentiment_score":0.602605938911438}],"sentiment":"neutral","sentiment_score":0.2751338202506304,"num_words":8,"start":2.6399999,"end":7.6},{"sentences":[{"text":"Thanks for calling me back.","start":7.6,"end":9.139999,"sentiment":"positive","sentiment_score":0.5988728284835816},{"text":"That's all good.","start":13.805,"end":14.765,"sentiment":"positive","sentiment_score":0.4023096760114034},{"text":"Do you and Ellie still have time to go through the research?","start":14.765,"end":18.385,"sentiment":"neutral","sentiment_score":0.03545882708082596},{"text":"Yes.","start":19.645,"end":20.145,"sentiment":"neutral","sentiment_score":0.03763271123170853},{"text":"Sure.","start":22.845001,"end":23.345001,"sentiment":"neutral","sentiment_score":0.05859397351741791}],"sentiment":"neutral","sentiment_score":0.21468299000777982,"num_words":22,"start":7.6,"end":23.345001},{"sentences":[{"text":"Hi.","start":27.805,"end":28.11,"sentiment":"neutral","sentiment_score":0.09683990478515624},{"text":"How are you?","start":28.27,"end":29.01,"sentiment":"neutral","sentiment_score":0.12195366372664769},{"text":"Good.","start":30.75,"end":31.25,"sentiment":"neutral","sentiment_score":0.2996867299079895},{"text":"Had a busy day.","start":31.310001,"end":32.370003,"sentiment":"neutral","sentiment_score":0.19662056490778923},{"text":"Yeah.","start":34.27,"end":34.77,"sentiment":"neutral","sentiment_score":0.03089745156466961}],"sentiment":"neutral","sentiment_score":0.15797673370689153,"num_words":10,"start":27.805,"end":34.77},{"sentences":[{"text":"Yes.","start":38.83,"end":38.99,"sentiment":"neutral","sentiment_score":0.05735880136489868},{"text":"Yes.","start":38.99,"end":39.39,"sentiment":"neutral","sentiment_score":0.0975448340177536},{"text":"I can imagine.","start":39.39,"end":41.025,"sentiment":"neutral","sentiment_score":0.13396505266427994},{"text":"Today shouldn't take too long, though.","start":41.085,"end":43.185,"sentiment":"neutral","sentiment_score":0.20536050697167715},{"text":"It is pretty straightforward.","start":43.245,"end":44.385,"sentiment":"neutral","sentiment_score":0.32561852782964706}],"sentiment":"neutral","sentiment_score":0.20609572976827623,"num_words":15,"start":38.83,"end":44.385},{"sentences":[{"text":"So let me know when you guys are ready.","start":47.005,"end":49.105,"sentiment":"neutral","sentiment_score":0.23205407129393685},{"text":"Yes?","start":51.005,"end":51.485,"sentiment":"neutral","sentiment_score":0.07070522755384445},{"text":"You yep.","start":51.485,"end":52.364998,"sentiment":"neutral","sentiment_score":0.14414922893047333},{"text":"Beautiful.","start":52.364998,"end":52.864998,"sentiment":"positive","sentiment_score":0.5197932720184326},{"text":"Now same as last time, I have to send you guys an email with the recommendation to go through.","start":53.81,"end":60.71,"sentiment":"neutral","sentiment_score":0.16467194416021047}],"sentiment":"neutral","sentiment_score":0.19050157931633294,"num_words":32,"start":47.005,"end":60.71},{"sentences":[{"text":"Does either of you have access to your emails or to get it up by any chance?","start":61.25,"end":68.675,"sentiment":"neutral","sentiment_score":0.06914799616617315},{"text":"Yep.","start":68.975,"end":69.375,"sentiment":"neutral","sentiment_score":0.18018397688865664},{"text":"Beautiful.","start":69.375,"end":69.875,"sentiment":"positive","sentiment_score":0.4481879472732544},{"text":"And it's the same.","start":70.015,"end":71.055,"sentiment":"neutral","sentiment_score":0.2899453863501549},{"text":"I've sent you the same email, and it's like a joint document to make it nice and easy as well.","start":71.055,"end":76.115005,"sentiment":"positive","sentiment_score":0.35619986429810524}],"sentiment":"neutral","sentiment_score":0.2345968997755716,"num_words":43,"start":61.25,"end":76.115005},{"sentences":[{"text":"And it should say signature request same as last time.","start":84.43,"end":88.130005,"sentiment":"neutral","sentiment_score":0.17350449413061142},{"text":"Yep.","start":92.03,"end":92.325,"sentiment":"neutral","sentiment_score":0.07489807903766632},{"text":"Yes, please.","start":101.765,"end":102.725,"sentiment":"neutral","sentiment_score":0.0929667241871357},{"text":"And then you should see the cover page where it says prepared for James and Elizabeth.","start":102.725,"end":109.21001,"sentiment":"neutral","sentiment_score":0.07476855744607747},{"text":"Yeah.","start":110.79,"end":111.11,"sentiment":"neutral","sentiment_score":0.26573026180267334}],"sentiment":"neutral","sentiment_score":0.11526345498859883,"num_words":30,"start":84.43,"end":111.11},{"sentences":[{"text":"Perfect.","start":111.11,"end":111.61,"sentiment":"positive","sentiment_score":0.4410980939865112},{"text":"So every time we do make a recommendation, we have to put everything in a statement of advice for you just to make sure you guys fully understand everything.","start":112.71001,"end":121.37,"sentiment":"neutral","sentiment_score":0.25782605029385663},{"text":"It is pretty straightforward today.","start":121.75,"end":123.775,"sentiment":"positive","sentiment_score":0.35701826214790344},{"text":"Sorry.","start":123.775,"end":124.175,"sentiment":"neutral","sentiment_score":0.03989555686712265},{"text":"I'll go through just, like, the main points, and then I'll let you guys have a have a read over it.","start":124.175,"end":128.595,"sentiment":"neutral","sentiment_score":0.08801118586035002}],"sentiment":"neutral","sentiment_score":0.20335570742425166,"num_words":57,"start":111.11,"end":128.595},{"sentences":[{"text":"It won't take as long as it did the first time, and you'll see it's about 36 pages, but it is pretty straightforward today and only a few changes.","start":128.815,"end":137.59999,"sentiment":"neutral","sentiment_score":0.1964486151419837},{"text":"But, yeah, again, the document is just to make sure that it gives you the opportunity to read over everything, make sure you fully understand everything, and that you're not happy before with anything.","start":138.3,"end":149.11499,"sentiment":"neutral","sentiment_score":-0.28059569811996293},{"text":"Does that all make sense?","start":149.11499,"end":150.33499,"sentiment":"neutral","sentiment_score":-0.004328525811433792},{"text":"Yep.","start":151.19499,"end":151.67499,"sentiment":"neutral","sentiment_score":0.26840659976005554},{"text":"Beautiful.","start":151.67499,"end":152.17499,"sentiment":"positive","sentiment_score":0.527048647403717}],"sentiment":"neutral","sentiment_score":-0.04384901826935155,"num_words":70,"start":128.815,"end":152.17499},{"sentences":[{"text":"Now, again, on the cover page, you can see my details listed.","start":153.19499,"end":156.31499,"sentiment":"neutral","sentiment_score":0.16132045785586038},{"text":"You can see my authorized representative number, and I'm licensed under OQ Financial.","start":156.31499,"end":161.53499,"sentiment":"neutral","sentiment_score":0.11593596637248993},{"text":"Now on the second page, page, you'll see that best interest duty again.","start":162.47499,"end":166.29,"sentiment":"neutral","sentiment_score":0.10166686372115062},{"text":"So, again, same as last time, we always just have to make sure that we act in your best interest at all time and that it the advice itself put you guys in a better position as a result of the advice.","start":166.29,"end":177.83,"sentiment":"neutral","sentiment_score":0.22542765896235192},{"text":"Now as you scroll through, let me know as well at any point in time if you do have any questions or if I go through anything too quickly.","start":179.375,"end":186.09499,"sentiment":"neutral","sentiment_score":0.08365759099351949}],"sentiment":"neutral","sentiment_score":0.152832239456133,"num_words":109,"start":153.19499,"end":186.09499},{"sentences":[{"text":"Otherwise, if you wanna scroll through page three, it should say scope of advice.","start":188.495,"end":193.95,"sentiment":"neutral","sentiment_score":0.03164881986698934},{"text":"Yep.","start":195.29,"end":195.61,"sentiment":"neutral","sentiment_score":0.15111635625362396},{"text":"Perfect.","start":195.61,"end":196.11,"sentiment":"positive","sentiment_score":0.36225488781929016},{"text":"So, again, kind of same as when we go when we went through it last time.","start":196.17,"end":199.53,"sentiment":"neutral","sentiment_score":0.1020039077848196},{"text":"It's just the areas we are focusing on today.","start":199.53,"end":202.34999,"sentiment":"neutral","sentiment_score":0.10340755763981077}],"sentiment":"neutral","sentiment_score":0.08583378696405305,"num_words":41,"start":188.495,"end":202.34999},{"sentences":[{"text":"The main purpose is to look at your superannuation, specifically your investments to see if we wanted to make any changes for any investment.","start":202.73,"end":210.625,"sentiment":"neutral","sentiment_score":0.06988504839440186},{"text":"Obviously, with all the markets and everything that's changing, that was the main purpose of today.","start":211.085,"end":215.905,"sentiment":"neutral","sentiment_score":0.05157065123785287},{"text":"Not making any changes in regards to insurances or anything else.","start":216.365,"end":219.485,"sentiment":"neutral","sentiment_score":-0.07866471328518608},{"text":"It is simply just looking at your super investments.","start":219.485,"end":222.34999,"sentiment":"neutral","sentiment_score":0.025004642291201487},{"text":"Yep.","start":223.84999,"end":224.17,"sentiment":"neutral","sentiment_score":0.15689828991889954}],"sentiment":"neutral","sentiment_score":0.033098357470064864,"num_words":61,"start":202.73,"end":224.17},{"sentences":[{"text":"Beautiful.","start":224.17,"end":224.67,"sentiment":"neutral","sentiment_score":0.277602881193161},{"text":"Now if you then wanna scroll through, you will basically see limited advice, kind of same as last time.","start":225.12999,"end":232.90999,"sentiment":"neutral","sentiment_score":0.07444784633423153},{"text":"You will see about you sections, assets and liabilities again.","start":232.96999,"end":237.69499,"sentiment":"neutral","sentiment_score":0.059779318422079085},{"text":"And then if you want to get to page eight, you will see just your situation.","start":238.795,"end":243.375,"sentiment":"neutral","sentiment_score":0.0714672680478543},{"text":"So you both have your super with hub twenty four.","start":243.83499,"end":246.97499,"sentiment":"neutral","sentiment_score":0.10149430632591247}],"sentiment":"neutral","sentiment_score":0.079434366031949,"num_words":56,"start":224.17,"end":246.97499},{"sentences":[{"text":"You will have your insurances first, James, and then on the second page for Elizabeth.","start":247.21,"end":252.19,"sentiment":"neutral","sentiment_score":0.0843464786807696},{"text":"I won't go through this in too much detail because we kinda went through it over the annual review unless you guys have any questions in regards to any of that.","start":252.65001,"end":259.39,"sentiment":"neutral","sentiment_score":-0.013484808586297496},{"text":"No.","start":260.65,"end":260.89,"sentiment":"neutral","sentiment_score":-0.19911444187164307},{"text":"That's all good.","start":260.89,"end":261.69,"sentiment":"neutral","sentiment_score":0.15356329083442688},{"text":"Okay.","start":261.69,"end":262.17,"sentiment":"positive","sentiment_score":0.4075163006782532}],"sentiment":"neutral","sentiment_score":0.02973058520286691,"num_words":51,"start":247.21,"end":262.17},{"sentences":[{"text":"Perfect.","start":262.17,"end":262.67,"sentiment":"positive","sentiment_score":0.5381780862808228},{"text":"Now if you then wanna stop on page 10, it talks about your risk profile.","start":263.125,"end":267.625,"sentiment":"neutral","sentiment_score":0.07722677340110143},{"text":"You can see that.","start":268.48502,"end":269.125,"sentiment":"neutral","sentiment_score":0.11452663689851761},{"text":"Yep.","start":269.125,"end":269.445,"sentiment":"neutral","sentiment_score":0.21732363104820251},{"text":"Perfect.","start":269.445,"end":269.945,"sentiment":"positive","sentiment_score":0.5012836456298828}],"sentiment":"neutral","sentiment_score":0.13060425052588637,"num_words":22,"start":262.17,"end":269.945},{"sentences":[{"text":"So when we obviously had the discussion during the annual review, you both are still very much aligned with that risk profile of being a growth investor, that we're not making any changes whatsoever in regards to the risk profile or increasing or decreasing risk.","start":270.245,"end":286.0,"sentiment":"neutral","sentiment_score":0.14569568062822025},{"text":"We are keeping that exactly the same for both of you, literally just swapping some investments around.","start":286.14,"end":291.365,"sentiment":"neutral","sentiment_score":0.19680937204290838},{"text":"Yep.","start":292.785,"end":293.185,"sentiment":"neutral","sentiment_score":0.2739976644515991},{"text":"Perfect.","start":293.185,"end":293.685,"sentiment":"positive","sentiment_score":0.4802032113075256},{"text":"Now what that actually looks like is if you can scroll down for me, makes it a little bit easier first.","start":294.145,"end":301.745,"sentiment":"neutral","sentiment_score":0.24491807889370693}],"sentiment":"neutral","sentiment_score":0.18587700571207438,"num_words":85,"start":270.245,"end":301.745},{"sentences":[{"text":"If you can scroll through page 15, it should be another fee comparison table, and this one here is for you, James.","start":301.745,"end":312.0,"sentiment":"neutral","sentiment_score":0.16120132939382034},{"text":"Yep.","start":313.98,"end":314.38,"sentiment":"neutral","sentiment_score":0.09119848906993866},{"text":"So let me know if you can see that table.","start":314.38,"end":316.24002,"sentiment":"neutral","sentiment_score":0.07589798457920552},{"text":"Yep.","start":317.58002,"end":318.08002,"sentiment":"neutral","sentiment_score":0.1273200511932373},{"text":"Beautiful.","start":318.46002,"end":318.96002,"sentiment":"positive","sentiment_score":0.5709282159805298}],"sentiment":"neutral","sentiment_score":0.14556730996285167,"num_words":35,"start":301.745,"end":318.96002},{"sentences":[{"text":"So part of the research, and this is for both of you, is I did reset hub twenty four again just to make sure it's still a good option for you because there's always new products and features that come out.","start":319.54498,"end":330.26498,"sentiment":"neutral","sentiment_score":0.23048506404568508},{"text":"So it is good to kind of keep up with that research just to make sure we still have you in the best options possible.","start":330.26498,"end":335.54,"sentiment":"positive","sentiment_score":0.34061602473258973},{"text":"Nothing tying us to hub twenty four at all.","start":336.24,"end":338.08,"sentiment":"neutral","sentiment_score":-0.04166447474724717},{"text":"So it is good to just kind of reassess every now and then.","start":338.08,"end":341.3,"sentiment":"neutral","sentiment_score":0.19047004614885038},{"text":"And after doing research, I have recommended that both of you stay in hub twenty four.","start":342.0,"end":346.72,"sentiment":"neutral","sentiment_score":0.24422133713960648}],"sentiment":"neutral","sentiment_score":0.2305188458233785,"num_words":104,"start":319.54498,"end":346.72},{"sentences":[{"text":"Still very competitive, still very competitive with fees and investment choices and and flexibility.","start":346.72,"end":353.035,"sentiment":"positive","sentiment_score":0.3454805985093117},{"text":"So not changing super funds.","start":353.255,"end":355.175,"sentiment":"neutral","sentiment_score":0.00021857842803001403},{"text":"Literally just changing investments to make it nice and easy.","start":355.175,"end":358.715,"sentiment":"neutral","sentiment_score":0.2175154611468315},{"text":"Now, James, what that looks like for you, you can see here.","start":359.575,"end":363.94,"sentiment":"neutral","sentiment_score":0.2009939836959044},{"text":"So, again, insurance stays the same.","start":364.4,"end":366.96,"sentiment":"neutral","sentiment_score":0.23850973198811212}],"sentiment":"neutral","sentiment_score":0.2309779165748586,"num_words":47,"start":346.72,"end":366.96},{"sentences":[{"text":"Contribution stays the same.","start":366.96,"end":368.56,"sentiment":"neutral","sentiment_score":0.2761475443840027},{"text":"Advise fee stays the same.","start":368.56,"end":370.0,"sentiment":"neutral","sentiment_score":0.2899285614490509},{"text":"It is literally changing some investments around for you.","start":370.0,"end":374.02,"sentiment":"positive","sentiment_score":0.35065308378802407},{"text":"And you can see here in this table that by just swapping a couple investments out, it is actually saving you about $883 in per year in investment fees alone, which is pretty good.","start":374.47998,"end":389.075,"sentiment":"positive","sentiment_score":0.5471358702463263},{"text":"Yep.","start":390.655,"end":391.155,"sentiment":"neutral","sentiment_score":0.04950425401329994}],"sentiment":"positive","sentiment_score":0.45966480342003535,"num_words":53,"start":366.96,"end":391.155},{"sentences":[{"text":"Now in terms of performance as well, again, using that same five year rolling average because, obviously, you can't guarantee performance of what's going to happen.","start":391.71,"end":402.13,"sentiment":"neutral","sentiment_score":0.08016897852604206},{"text":"And that's why we do like to use that five year rolling average to give us a little bit more certainty of what has happened in the world and the portfolio as well to give us a little bit more certainty.","start":402.35,"end":412.715,"sentiment":"positive","sentiment_score":0.4311062820800921},{"text":"And, again, you can see that by making a couple of changes to the investments, it is improving the performance a little bit, not a huge bit, but still about 1.31%.","start":413.015,"end":424.77002,"sentiment":"positive","sentiment_score":0.5911997691277535},{"text":"And when you add that along with the investment saving, it is still making a pretty big difference when we are then looking at compounding for five and ten years, which you can see in the table underneath it.","start":425.23,"end":435.28333,"sentiment":"positive","sentiment_score":0.3875980277856191},{"text":"Does that make sense?","start":435.28333,"end":435.56,"sentiment":"neutral","sentiment_score":0.16118168085813522}],"sentiment":"positive","sentiment_score":0.38190066423399227,"num_words":141,"start":391.71,"end":435.56},{"sentences":[{"text":"Yeah.","start":435.56,"end":435.915,"sentiment":"neutral","sentiment_score":0.10465819388628006},{"text":"Does that make sense?","start":435.915,"end":438.89502,"sentiment":"neutral","sentiment_score":0.09773056581616402},{"text":"Yep.","start":440.315,"end":440.815,"sentiment":"neutral","sentiment_score":0.10059329122304916},{"text":"Yep.","start":441.275,"end":441.775,"sentiment":"neutral","sentiment_score":0.1816147267818451},{"text":"Perfect.","start":441.83502,"end":442.33502,"sentiment":"positive","sentiment_score":0.447672963142395}],"sentiment":"neutral","sentiment_score":0.15318267978727818,"num_words":8,"start":435.56,"end":442.33502},{"sentences":[{"text":"Now the one thing I do want to let you know as well is if you look at the top table where it says balance and you see a difference of $555.","start":442.475,"end":452.01,"sentiment":"neutral","sentiment_score":0.09341108670923859},{"text":"Can you see that?","start":452.01,"end":453.15,"sentiment":"neutral","sentiment_score":0.04166961181908846},{"text":"Yeah.","start":455.29,"end":455.79,"sentiment":"neutral","sentiment_score":0.041139062494039536},{"text":"Yeah.","start":456.41,"end":456.88998,"sentiment":"neutral","sentiment_score":0.1129891350865364},{"text":"Perfect.","start":456.88998,"end":457.37,"sentiment":"neutral","sentiment_score":0.1530866026878357}],"sentiment":"neutral","sentiment_score":0.08879610313436924,"num_words":39,"start":442.475,"end":457.37},{"sentences":[{"text":"So, basically, what this is, it is the capital gains tax.","start":457.37,"end":462.03,"sentiment":"neutral","sentiment_score":-0.03623221967030655},{"text":"So when we are changing investments, the same as, like, with an investment investment property, if you were to sell an investment that has gone up, there is capital gains tax associated with the change.","start":462.85498,"end":476.39,"sentiment":"neutral","sentiment_score":-0.0673290197870561},{"text":"Now I've tried to minimize that as much as possible for you by still making sure we do change any investments that we want to.","start":476.39,"end":483.13,"sentiment":"neutral","sentiment_score":0.04658690974116325},{"text":"And if I look through changing all your investments completely, the capital gains tax was looking at about 2,943.","start":483.51,"end":492.985,"sentiment":"neutral","sentiment_score":-0.014916832215691867},{"text":"So I obviously wanted to minimize that as much as possible for you, and it will be estimated at about 555 dollars.","start":492.985,"end":502.2,"sentiment":"neutral","sentiment_score":0.09873479350724003}],"sentiment":"neutral","sentiment_score":0.0026638239256239365,"num_words":112,"start":457.37,"end":502.2},{"sentences":[{"text":"Does that make sense?","start":502.2,"end":503.34,"sentiment":"neutral","sentiment_score":0.11323712207376957},{"text":"Yep.","start":504.28,"end":504.6,"sentiment":"neutral","sentiment_score":0.25109386444091797},{"text":"Perfect.","start":504.6,"end":505.1,"sentiment":"positive","sentiment_score":0.4843727946281433},{"text":"Now with the capital gains tax as well, it automatically comes out of your $0.5.24.","start":505.4,"end":510.84,"sentiment":"positive","sentiment_score":0.3402487238248189},{"text":"So it's not something that you have to pay for personally.","start":510.84,"end":513.5,"sentiment":"neutral","sentiment_score":0.25576425276019354}],"sentiment":"neutral","sentiment_score":0.28454852453432977,"num_words":32,"start":502.2,"end":513.5},{"sentences":[{"text":"It's not something you ever have to declare on a tax return or anything like that.","start":513.905,"end":517.585,"sentiment":"neutral","sentiment_score":0.11914943577721715},{"text":"It's all taken care of within the super environment, but it is something I do wanna let you know.","start":517.585,"end":523.525,"sentiment":"neutral","sentiment_score":0.2984730005264282},{"text":"And, obviously, it does change on a daily depending on prices and stuff like that as well.","start":523.66504,"end":528.965,"sentiment":"neutral","sentiment_score":0.11916692686431549},{"text":"But you can see that the investment fee saving per year alone, and that's just a one off fee with the capital gains tax when we are making the change, you very quickly will make up that difference as well.","start":529.58997,"end":541.45,"sentiment":"neutral","sentiment_score":0.25670972242951395},{"text":"Do you have any questions in regards to any of that?","start":542.87,"end":545.72504,"sentiment":"neutral","sentiment_score":0.03552833284166726}],"sentiment":"neutral","sentiment_score":0.19672248832592107,"num_words":103,"start":513.905,"end":545.72504},{"sentences":[{"text":"No?","start":547.945,"end":548.445,"sentiment":"neutral","sentiment_score":-0.04255552589893341},{"text":"Sure?","start":548.585,"end":549.085,"sentiment":"neutral","sentiment_score":0.0011737635359168053},{"text":"Yep.","start":552.185,"end":552.665,"sentiment":"neutral","sentiment_score":0.0367480143904686},{"text":"Okay.","start":552.665,"end":553.165,"sentiment":"neutral","sentiment_score":0.09158694744110107},{"text":"Perfect.","start":553.305,"end":553.805,"sentiment":"positive","sentiment_score":0.5952624082565308}],"sentiment":"neutral","sentiment_score":0.13644312154501675,"num_words":5,"start":547.945,"end":553.805},{"sentences":[{"text":"That sounds good.","start":554.985,"end":555.965,"sentiment":"positive","sentiment_score":0.6327795584996542},{"text":"Perfect.","start":556.505,"end":557.005,"sentiment":"positive","sentiment_score":0.5478591918945312},{"text":"Now on the following page, you can then see that I have included a little bit more information in regards to the performance.","start":558.02997,"end":564.52997,"sentiment":"neutral","sentiment_score":0.11317355995592863},{"text":"So twelve months, three years, five years, and ten years.","start":565.07,"end":569.81,"sentiment":"neutral","sentiment_score":0.06991583183407783},{"text":"And you can see that even though your current portfolio has done pretty good, the recommended has still performed a little bit better historically, which, again, will make a big difference when we are compounding everything for you.","start":570.67,"end":583.505,"sentiment":"neutral","sentiment_score":0.11938602791020744}],"sentiment":"neutral","sentiment_score":0.13713356167078017,"num_words":75,"start":554.985,"end":583.505},{"sentences":[{"text":"Yep.","start":584.685,"end":585.185,"sentiment":"neutral","sentiment_score":0.08486127853393555},{"text":"Now what that actually looks like in terms of the investment changes, and this is the same for both of you, and I will show you the updated projection for you, Ellie, after the investment table here.","start":586.45,"end":598.775,"sentiment":"neutral","sentiment_score":0.0824980538942524},{"text":"But when it comes through page 17, you should see, like, a big investment table.","start":598.775,"end":604.075,"sentiment":"neutral","sentiment_score":0.052476212133963904},{"text":"So in terms of swapping investments, I have recommended the same.","start":604.29504,"end":607.815,"sentiment":"neutral","sentiment_score":0.08067364787513559},{"text":"For both of you, you're in the same risk profile and had the same investment portfolio before as well.","start":607.815,"end":613.76,"sentiment":"neutral","sentiment_score":0.06881954932683393}],"sentiment":"neutral","sentiment_score":0.07372787974056709,"num_words":83,"start":584.685,"end":613.76},{"sentences":[{"text":"Does that make sense?","start":613.76,"end":614.9,"sentiment":"neutral","sentiment_score":0.055328226648271084},{"text":"Yeah.","start":615.60004,"end":616.0,"sentiment":"neutral","sentiment_score":0.17761993408203125},{"text":"Beautiful.","start":616.0,"end":616.5,"sentiment":"neutral","sentiment_score":0.28822189569473267},{"text":"Now this table here can look a little bit messy, but, essentially, what it does, it shows you your investment name.","start":616.72003,"end":623.46,"sentiment":"neutral","sentiment_score":0.06282308573524158},{"text":"So, essentially, what what they're called, you then have the kind of special little code.","start":623.69495,"end":628.27496,"sentiment":"neutral","sentiment_score":0.06275017013152441}],"sentiment":"neutral","sentiment_score":0.07018314497101874,"num_words":42,"start":613.76,"end":628.27496},{"sentences":[{"text":"You have then your current weight, so how much you currently have allocated to each investment option and then what that looks like from a dollar value.","start":629.055,"end":638.1,"sentiment":"neutral","sentiment_score":0.05737793611155616},{"text":"Now the column next to it is then the buy and sell.","start":638.98,"end":642.42,"sentiment":"neutral","sentiment_score":0.04567772522568703},{"text":"So this is where you can see everything in red is what we are either selling out of or just reducing the exposure that you have in that portfolio investment.","start":642.42,"end":651.05383,"sentiment":"neutral","sentiment_score":-0.008207207980255286},{"text":"And then black is either what we're adding to investment.","start":651.05383,"end":660.125,"sentiment":"neutral","sentiment_score":0.022150600515305995},{"text":"Does that make sense?","start":660.825,"end":661.64496,"sentiment":"neutral","sentiment_score":0.05088133458048105}],"sentiment":"neutral","sentiment_score":0.027423519057681763,"num_words":83,"start":629.055,"end":661.64496},{"sentences":[{"text":"Yep.","start":662.90497,"end":663.305,"sentiment":"neutral","sentiment_score":0.2826349139213562},{"text":"Beautiful.","start":663.305,"end":663.805,"sentiment":"positive","sentiment_score":0.6120850443840027},{"text":"Now when it comes to kind of putting together the portfolio portfolio, it hasn't changed.","start":664.185,"end":668.35004,"sentiment":"neutral","sentiment_score":0.14894647349913914},{"text":"We are still using that core and satellite approach to investments and, obviously, focusing on the core investments, which does represent that backbone of the portfolio.","start":668.35004,"end":679.41003,"sentiment":"neutral","sentiment_score":0.177890676431931},{"text":"Just making a couple of changes, obviously, with mark recent market trends and making sure that we keep things very diversified and are proactive with your investments because things do always change.","start":680.505,"end":691.325,"sentiment":"neutral","sentiment_score":0.1875440503936261}],"sentiment":"neutral","sentiment_score":0.18340645680824916,"num_words":75,"start":662.90497,"end":691.325},{"sentences":[{"text":"In the last twelve months, we have obviously seen quite a bit of changes, we obviously wanna make sure we stay on top of that.","start":691.625,"end":696.96,"sentiment":"neutral","sentiment_score":0.11626332685351372},{"text":"So when it comes through those kind of core investments for both of you, you have your iShares S and P 500.","start":697.42,"end":706.06,"sentiment":"neutral","sentiment_score":0.1379262296990915},{"text":"Now you already have this in your portfolio.","start":706.06,"end":708.4,"sentiment":"neutral","sentiment_score":0.19100266136229038},{"text":"It was at about 20.28%, just increasing that up to 30.","start":708.46,"end":714.115,"sentiment":"neutral","sentiment_score":0.12995688143101605},{"text":"So keeping that in your portfolio, it's a very good solid investment, very diversified in those 500 biggest companies listed in America.","start":714.255,"end":722.435,"sentiment":"positive","sentiment_score":0.4710725803266872}],"sentiment":"neutral","sentiment_score":0.21888754521073264,"num_words":88,"start":691.625,"end":722.435},{"sentences":[{"text":"So very diversified, keeping that in your portfolio.","start":722.495,"end":725.555,"sentiment":"positive","sentiment_score":0.35268365405499935},{"text":"The one other core investment that we have changed is that Benelon Australian Equity.","start":726.69,"end":732.61005,"sentiment":"neutral","sentiment_score":0.07048003269093377},{"text":"Now this is the investment I kind of touched on during the annual review that I really wanted to look at changing because it has underperformed a little bit.","start":732.61005,"end":740.63,"sentiment":"neutral","sentiment_score":0.03518117906461502},{"text":"But you can see that's your top one where it says Benelon Australian equity.","start":740.90497,"end":744.665,"sentiment":"neutral","sentiment_score":0.03883117849805525},{"text":"We're selling completely out of that one.","start":744.665,"end":747.245,"sentiment":"neutral","sentiment_score":-0.010851421260407992}],"sentiment":"neutral","sentiment_score":0.0735572282380114,"num_words":72,"start":722.495,"end":747.245},{"sentences":[{"text":"Instead, we are introducing the second one from the bottom where it says the Australia two 100.","start":748.105,"end":755.0,"sentiment":"neutral","sentiment_score":0.02990677865112529},{"text":"Can you see that?","start":755.78,"end":756.92,"sentiment":"neutral","sentiment_score":0.030308171175420284},{"text":"Yeah.","start":759.3,"end":759.8,"sentiment":"neutral","sentiment_score":0.04084055498242378},{"text":"No.","start":759.86,"end":760.10004,"sentiment":"neutral","sentiment_score":0.020091060549020767},{"text":"That's all good.","start":760.10004,"end":761.14,"sentiment":"neutral","sentiment_score":0.11443346242109935}],"sentiment":"neutral","sentiment_score":0.03976461248329052,"num_words":26,"start":748.105,"end":761.14},{"sentences":[{"text":"As long as as long as you can hear me, that's fine.","start":761.14,"end":763.4,"sentiment":"neutral","sentiment_score":0.11351403097311656},{"text":"Now the beta sales Australia is a little bit different to Bennelong.","start":766.195,"end":770.375,"sentiment":"neutral","sentiment_score":0.0029705407408376536},{"text":"It is both Australian investments because we wanna make sure we still keep things diversified.","start":770.515,"end":774.85504,"sentiment":"neutral","sentiment_score":0.06223476169010003},{"text":"But with the Bennelong investment, it is that managed fund fund where they are actively buying and selling different investments in order to try and outperform the market.","start":775.395,"end":783.36,"sentiment":"neutral","sentiment_score":0.11123002280614205},{"text":"Whereas the BetaShares Australia three hundred, it is similar to your iShares s and p five hundred, but it's in the Australian market.","start":783.9,"end":791.76,"sentiment":"neutral","sentiment_score":0.08519968892569127}],"sentiment":"neutral","sentiment_score":0.0822818863309092,"num_words":90,"start":761.14,"end":791.76},{"sentences":[{"text":"So it invests in the 200 largest companies listed on the ASX.","start":792.06,"end":796.435,"sentiment":"neutral","sentiment_score":0.1994005168477694},{"text":"So you will have kind of, like, your Commonwealth, your BHP, Woolworths, all the big companies in Australia.","start":796.97504,"end":802.675,"sentiment":"neutral","sentiment_score":0.25160470853249234},{"text":"Yes.","start":803.295,"end":803.795,"sentiment":"neutral","sentiment_score":0.2542199492454529},{"text":"So, again, keeping things very diversified, especially with a bit of market volatility and fluctuations.","start":804.735,"end":810.0,"sentiment":"positive","sentiment_score":0.4306528011957804},{"text":"It also means that if something were to happen to one company, it won't impact things as much because you do have a broad range of companies in that one single investment option.","start":810.62,"end":817.612,"sentiment":"positive","sentiment_score":0.41013702524430823}],"sentiment":"positive","sentiment_score":0.3439268956456003,"num_words":79,"start":792.06,"end":817.612},{"sentences":[{"text":"Does that make sense?","start":817.612,"end":817.74,"sentiment":"neutral","sentiment_score":0.20722993835806847},{"text":"Yeah.","start":817.74,"end":818.24,"sentiment":"neutral","sentiment_score":0.11482466757297516},{"text":"Option.","start":819.645,"end":820.145,"sentiment":"neutral","sentiment_score":0.12297430634498596},{"text":"Does that make sense?","start":821.48505,"end":823.185,"sentiment":"neutral","sentiment_score":0.114083182066679},{"text":"Yeah.","start":823.325,"end":823.565,"sentiment":"neutral","sentiment_score":0.20723634958267212}],"sentiment":"neutral","sentiment_score":0.1572988913817839,"num_words":11,"start":817.612,"end":823.565},{"sentences":[{"text":"Yep.","start":823.565,"end":824.04504,"sentiment":"positive","sentiment_score":0.3718981146812439},{"text":"Beautiful.","start":824.04504,"end":824.54504,"sentiment":"positive","sentiment_score":0.6132904291152954},{"text":"Then moving on to kind of your satellite investments.","start":825.16504,"end":828.865,"sentiment":"neutral","sentiment_score":0.15491574299004343},{"text":"So these, again, are those kind of little bit specialized investments, can be a little bit more volatile, and that's why they do represent that smaller portion to your portfolio.","start":830.205,"end":839.48004,"sentiment":"neutral","sentiment_score":0.09925147083898385},{"text":"So cybersecurity, you already had in your portfolio, both of you.","start":840.42004,"end":844.5,"sentiment":"neutral","sentiment_score":0.1113751930269328}],"sentiment":"neutral","sentiment_score":0.12657887459947512,"num_words":52,"start":823.565,"end":844.5},{"sentences":[{"text":"We are keeping that in your portfolio, just reducing it by about 1%.","start":844.5,"end":849.315,"sentiment":"neutral","sentiment_score":0.13341757139334312},{"text":"So instead of having 5.97, just bringing that back to a 5%, but still very much want to keep it in your portfolio.","start":849.555,"end":857.575,"sentiment":"neutral","sentiment_score":0.1770154187536758},{"text":"Same for your defensive gold.","start":858.675,"end":860.675,"sentiment":"neutral","sentiment_score":0.2425743967294693},{"text":"You already had that again in your portfolio, but you had it at about 8.46%, and it's just increasing that up to 10%.","start":860.675,"end":868.99,"sentiment":"neutral","sentiment_score":0.24513902353203815},{"text":"Then when it comes to the the new kind of changes to the investments, the main purpose is to make sure we keep things very diversified, kind of focusing on minimizing, I guess, fluctuations in the market as well, so not having as much kind of investments that are as specialized, so a little bit more diversified than solid investments.","start":870.64996,"end":892.46,"sentiment":"neutral","sentiment_score":0.1397596181680759}],"sentiment":"neutral","sentiment_score":0.16969701350336114,"num_words":124,"start":844.5,"end":892.46},{"sentences":[{"text":"Those are kind of your bottom ones.","start":893.24005,"end":895.02,"sentiment":"neutral","sentiment_score":0.25555503155503956},{"text":"So, again, we wanna make sure we diversify across the globe.","start":895.16003,"end":899.26,"sentiment":"neutral","sentiment_score":0.2557514784010974},{"text":"So we've introduced 8% to Europe.","start":899.64,"end":902.885,"sentiment":"neutral","sentiment_score":0.18002971510092416},{"text":"Again, very diversified investment for you.","start":902.885,"end":905.54504,"sentiment":"positive","sentiment_score":0.3763291339079539},{"text":"We have 5% allocated to Japan, and then you have 8% in one that's called your Vanguard or World.","start":906.005,"end":915.39,"sentiment":"neutral","sentiment_score":0.19136843555851987}],"sentiment":"neutral","sentiment_score":0.23625111944821417,"num_words":49,"start":893.24005,"end":915.39},{"sentences":[{"text":"World.","start":915.39,"end":915.89,"sentiment":"neutral","sentiment_score":0.06771904975175858},{"text":"But this one here does exclude The US because you already have exposure to The US market in that IHS S and P 500.","start":915.95,"end":924.37,"sentiment":"neutral","sentiment_score":-0.06363650535543759},{"text":"And at the same time, we wanna make sure you don't have too much exposure to just one particular market, if that makes sense.","start":924.59,"end":930.305,"sentiment":"neutral","sentiment_score":-0.034865150693804026},{"text":"Yep.","start":931.645,"end":932.045,"sentiment":"neutral","sentiment_score":0.3034375309944153},{"text":"Beautiful.","start":932.045,"end":932.545,"sentiment":"positive","sentiment_score":0.6350988149642944}],"sentiment":"neutral","sentiment_score":-0.02662322253865354,"num_words":51,"start":915.39,"end":932.545},{"sentences":[{"text":"Then we have just changed one of your defensive investments, just one of the bank hybrids, through your iShares core composite bond, like your fixed interest investments.","start":932.84503,"end":942.64,"sentiment":"neutral","sentiment_score":0.211481809064194},{"text":"We do wanna keep some of those defensive components to your portfolio to limit fluctuations a little bit as well.","start":942.64,"end":949.7,"sentiment":"neutral","sentiment_score":0.22693636640906334},{"text":"Do you guys have any questions in regards to any of that?","start":950.72,"end":956.085,"sentiment":"neutral","sentiment_score":-0.017246341332793236},{"text":"No?","start":956.085,"end":956.405,"sentiment":"neutral","sentiment_score":-0.02227555587887764},{"text":"Okay.","start":956.405,"end":956.905,"sentiment":"neutral","sentiment_score":0.12007588148117064}],"sentiment":"neutral","sentiment_score":0.16622262954956196,"num_words":61,"start":932.84503,"end":956.905},{"sentences":[{"text":"Perfect.","start":956.965,"end":957.465,"sentiment":"positive","sentiment_score":0.4051667451858521},{"text":"Now if you guys wanted to go and have a bit of a read over the investments as well, it's in the appendix, which is the second attachment.","start":958.16504,"end":965.22504,"sentiment":"neutral","sentiment_score":0.15719587089759962},{"text":"I have included all the investment links there for you.","start":965.94,"end":968.58,"sentiment":"neutral","sentiment_score":0.23602913618087767},{"text":"So if it is that you guys wanted to go and have a bit of a read over it, all the information is there for you.","start":968.58,"end":974.28,"sentiment":"neutral","sentiment_score":0.22119023135075203},{"text":"But, essentially, not major changes.","start":974.42,"end":976.84,"sentiment":"neutral","sentiment_score":0.027212202548980713}],"sentiment":"neutral","sentiment_score":0.18648499314274106,"num_words":70,"start":956.965,"end":976.84},{"sentences":[{"text":"It is just changing a few things just to kind of aligning with what is currently kind of happening in the market and then in the future as well.","start":976.98004,"end":985.135,"sentiment":"neutral","sentiment_score":0.09331725717618547},{"text":"Yep.","start":986.39496,"end":986.795,"sentiment":"neutral","sentiment_score":0.2511245012283325},{"text":"Beautiful.","start":986.795,"end":987.295,"sentiment":"positive","sentiment_score":0.39541348814964294},{"text":"Now when it comes through the asset allocation, that is page 19 for you, James, If you can see that.","start":987.995,"end":995.97,"sentiment":"neutral","sentiment_score":0.09676645938307046},{"text":"Yep.","start":997.23,"end":997.63,"sentiment":"neutral","sentiment_score":0.2082187980413437}],"sentiment":"neutral","sentiment_score":0.10569781602288668,"num_words":52,"start":976.98004,"end":997.63},{"sentences":[{"text":"Perfect.","start":997.63,"end":998.13,"sentiment":"positive","sentiment_score":0.33612459897994995},{"text":"So you can see your risk profile aiming at around that eighty twenty allocation, 80 to growth, and 20 to defensive.","start":998.58997,"end":1005.89,"sentiment":"neutral","sentiment_score":0.17824812162490117},{"text":"You have your existing portfolio, which is at eighty one ninety one, 18 o nine to defensive, and then proposed, which is about $84.93, and then 15 o eight.","start":1006.51,"end":1018.435,"sentiment":"neutral","sentiment_score":0.14923984917073413},{"text":"So both very much aligned to your growth profile.","start":1018.435,"end":1021.73505,"sentiment":"neutral","sentiment_score":0.2871914704640706},{"text":"Just a little bit more growth in your proposed, but, again, both very much aligning with that growth profile for you.","start":1022.27997,"end":1029.1,"sentiment":"neutral","sentiment_score":0.2221322481830915}],"sentiment":"neutral","sentiment_score":0.19329371882809532,"num_words":81,"start":997.63,"end":1029.1},{"sentences":[{"text":"Yep.","start":1030.04,"end":1030.52,"sentiment":"neutral","sentiment_score":0.21986275911331177},{"text":"Beautiful.","start":1030.52,"end":1031.02,"sentiment":"positive","sentiment_score":0.3787572979927063},{"text":"Now do you have any questions at all before I kind of move on to what that looks like for Elizabeth as well?","start":1031.4,"end":1040.175,"sentiment":"neutral","sentiment_score":0.07185780418955762},{"text":"Pretty.","start":1040.175,"end":1040.675,"sentiment":"neutral","sentiment_score":0.02864906005561352},{"text":"Yeah.","start":1041.535,"end":1042.035,"sentiment":"positive","sentiment_score":0.3827276825904846}],"sentiment":"neutral","sentiment_score":0.09861949244859042,"num_words":27,"start":1030.04,"end":1042.035},{"sentences":[{"text":"Beautiful.","start":1042.415,"end":1042.915,"sentiment":"positive","sentiment_score":0.6699589490890503},{"text":"Now same same for you, Ellie.","start":1043.6951,"end":1046.435,"sentiment":"neutral","sentiment_score":0.32765112320582074},{"text":"A lot of wording.","start":1047.2151,"end":1048.1951,"sentiment":"neutral","sentiment_score":0.17126601189374924},{"text":"Again, just kind of talking about the best interest duty on how this recommendation aligns with your best interest.","start":1048.255,"end":1054.3601,"sentiment":"neutral","sentiment_score":0.2012595495111064},{"text":"Same as James, we're taking a lot of consideration, like your personal circumstances, like capital gains tax, risk tolerance, time frame, everything that goes into the investment.","start":1054.9,"end":1065.7351,"sentiment":"neutral","sentiment_score":0.07937553856107923}],"sentiment":"neutral","sentiment_score":0.1629473810133181,"num_words":57,"start":1042.415,"end":1065.7351},{"sentences":[{"text":"Now what that looks like for you is if you want to scroll down through page 23, you will then see a similar table to what we went through with James, but this is just tailored to you.","start":1066.035,"end":1079.4199,"sentiment":"neutral","sentiment_score":0.1052099399660763},{"text":"Yep.","start":1079.4199,"end":1079.9199,"sentiment":"neutral","sentiment_score":0.27011585235595703},{"text":"Perfect.","start":1080.22,"end":1080.7,"sentiment":"positive","sentiment_score":0.6225275993347168},{"text":"Now you can see here as well, we're not changing insurances or anything else.","start":1080.7,"end":1084.46,"sentiment":"neutral","sentiment_score":0.2635816958333765},{"text":"Again, literally just changing those investments around.","start":1084.46,"end":1087.84,"sentiment":"neutral","sentiment_score":0.3052357818399157}],"sentiment":"neutral","sentiment_score":0.17569533417947958,"num_words":61,"start":1066.035,"end":1087.84},{"sentences":[{"text":"And by making those couple of investment changes, it is saving you $460 a year, which, again, does add up pretty quickly as well.","start":1088.2999,"end":1098.165,"sentiment":"positive","sentiment_score":0.5496214876572291},{"text":"Yep.","start":1099.3451,"end":1099.8451,"sentiment":"neutral","sentiment_score":0.20676645636558533},{"text":"Same when it comes to the performance because you guys are invested in the same portfolio currently, and I have recommended the same for you.","start":1100.0651,"end":1107.32,"sentiment":"neutral","sentiment_score":0.22232342302799224},{"text":"Again, it's that difference of about 1.31%.","start":1107.32,"end":1111.1799,"sentiment":"neutral","sentiment_score":0.11612012769494738},{"text":"Yep.","start":1112.2,"end":1112.6,"sentiment":"neutral","sentiment_score":0.10688918828964232}],"sentiment":"positive","sentiment_score":0.3426809968619511,"num_words":58,"start":1088.2999,"end":1112.6},{"sentences":[{"text":"And underneath it, you can kind of see that projected forward again five and ten years.","start":1112.6,"end":1117.08,"sentiment":"neutral","sentiment_score":0.10629612300544977},{"text":"And you can see that by making just those couple of minor changes, it does still make a pretty big difference just even in five years alone by literally just changing.","start":1117.08,"end":1126.135,"sentiment":"neutral","sentiment_score":0.14503933390181872},{"text":"Yeah.","start":1126.595,"end":1127.095,"sentiment":"neutral","sentiment_score":0.009122968651354311},{"text":"Now same for you with the capital gains.","start":1127.795,"end":1130.455,"sentiment":"neutral","sentiment_score":-0.0012106667272746563},{"text":"So if I were to look at doing a full sell down for you, it would have been about $1,488 in that capital gains tax.","start":1130.595,"end":1140.3,"sentiment":"neutral","sentiment_score":-0.0319321259111166}],"sentiment":"neutral","sentiment_score":0.06664310871726936,"num_words":81,"start":1112.6,"end":1140.3},{"sentences":[{"text":"Again, obviously, trying to minimize that.","start":1140.6001,"end":1142.78,"sentiment":"neutral","sentiment_score":-0.03394124532739321},{"text":"And for you, it's estimated at about 277, which is why you can see that difference in the balance at the top.","start":1142.92,"end":1152.135,"sentiment":"neutral","sentiment_score":0.0018956797747788105},{"text":"Yep.","start":1152.135,"end":1152.5349,"sentiment":"neutral","sentiment_score":0.039732009172439575},{"text":"Does that make sense?","start":1152.5349,"end":1153.4149,"sentiment":"neutral","sentiment_score":0.04094510246068239},{"text":"Do you have any questions?","start":1153.4149,"end":1154.5549,"sentiment":"neutral","sentiment_score":0.01303653996437788}],"sentiment":"neutral","sentiment_score":0.0028092789978377128,"num_words":38,"start":1140.6001,"end":1154.5549},{"sentences":[{"text":"Yeah.","start":1157.495,"end":1157.995,"sentiment":"neutral","sentiment_score":0.020484529435634613},{"text":"Yeah.","start":1158.215,"end":1158.715,"sentiment":"neutral","sentiment_score":0.058246612548828125},{"text":"Exactly.","start":1158.9349,"end":1159.4349,"sentiment":"neutral","sentiment_score":0.11452069133520126},{"text":"Very similar, very straightforward, which is great.","start":1161.255,"end":1163.2001,"sentiment":"positive","sentiment_score":0.5744832967008863},{"text":"Again, I have included just for you as well the investment returns on the next page.","start":1163.2001,"end":1167.54,"sentiment":"neutral","sentiment_score":0.18931239936500788}],"sentiment":"neutral","sentiment_score":0.278601280771769,"num_words":26,"start":1157.495,"end":1167.54},{"sentences":[{"text":"Again, same portfolio show exactly.","start":1167.8401,"end":1170.74,"sentiment":"neutral","sentiment_score":0.10900750309228897},{"text":"Exactly.","start":1171.12,"end":1171.62,"sentiment":"neutral","sentiment_score":0.093995563685894},{"text":"Now you then have on page 25 exactly the same as we went through with James.","start":1172.9601,"end":1177.78,"sentiment":"neutral","sentiment_score":0.054741173051297665},{"text":"The only reason that the numbers are different is because you have different super balances.","start":1178.125,"end":1182.145,"sentiment":"neutral","sentiment_score":-0.03527748038371404},{"text":"So, obviously, you have different amounts in terms of changing the investments.","start":1182.525,"end":1186.365,"sentiment":"neutral","sentiment_score":0.008300542831420898}],"sentiment":"neutral","sentiment_score":0.02214971747325391,"num_words":49,"start":1167.8401,"end":1186.365},{"sentences":[{"text":"It's exactly the same as I went through with James.","start":1186.365,"end":1189.1849,"sentiment":"neutral","sentiment_score":0.08547765649855137},{"text":"Yep.","start":1190.9249,"end":1191.4249,"sentiment":"positive","sentiment_score":0.46169745922088623},{"text":"Perfect.","start":1191.565,"end":1192.065,"sentiment":"positive","sentiment_score":0.737014889717102},{"text":"Again, asset allocation, which is page 27, you can see the same, and it's exactly the same as James.","start":1193.29,"end":1199.6901,"sentiment":"positive","sentiment_score":0.3867547566953458},{"text":"But, again, you are also a growth investor.","start":1199.6901,"end":1201.79,"sentiment":"neutral","sentiment_score":0.28833636455237865}],"sentiment":"neutral","sentiment_score":0.3002184668603616,"num_words":39,"start":1186.365,"end":1201.79},{"sentences":[{"text":"You're invested in the same portfolio, and I am recommending the same portfolio for you as well.","start":1201.85,"end":1206.995,"sentiment":"positive","sentiment_score":0.39880237684530373},{"text":"Yep.","start":1207.215,"end":1207.615,"sentiment":"positive","sentiment_score":0.36395761370658875},{"text":"Beautiful.","start":1207.615,"end":1208.115,"sentiment":"positive","sentiment_score":0.6836928129196167},{"text":"Which essentially then just takes us through the remuneration section, which is page 30.","start":1210.175,"end":1215.715,"sentiment":"neutral","sentiment_score":0.2721343125615801},{"text":"And like I touched on during the under review, no changes whatsoever in regards to that fee structure for you.","start":1216.495,"end":1222.35,"sentiment":"neutral","sentiment_score":0.1707938551902771}],"sentiment":"neutral","sentiment_score":0.284019779484227,"num_words":53,"start":1201.85,"end":1222.35},{"sentences":[{"text":"It stays exactly the same on that discounted rate because you are a couple at that 1.1% from super.","start":1222.35,"end":1229.33,"sentiment":"positive","sentiment_score":0.4375132353682267},{"text":"There is no additional fees or charges or anything like that with this advice.","start":1229.5499,"end":1234.0299,"sentiment":"neutral","sentiment_score":0.20113072437899454},{"text":"It is all part of that ongoing service.","start":1234.0299,"end":1236.415,"sentiment":"positive","sentiment_score":0.40963196009397507},{"text":"And I have, again, just included that MetLife insurance commission there for you to just show you that we do get commissions for the insurance policy.","start":1236.875,"end":1245.055,"sentiment":"neutral","sentiment_score":0.23932818552622429},{"text":"But if you remember from last time, that is not you paying us.","start":1245.675,"end":1249.435,"sentiment":"neutral","sentiment_score":-0.03476679869569265}],"sentiment":"neutral","sentiment_score":0.2522025216836482,"num_words":80,"start":1222.35,"end":1249.435},{"sentences":[{"text":"It is MetLife paying us.","start":1249.435,"end":1251.12,"sentiment":"neutral","sentiment_score":-0.03219844698905945},{"text":"But just for compliance purposes, we do have to disclose all commissions we received so that you guys are fully aware.","start":1251.12,"end":1256.74,"sentiment":"neutral","sentiment_score":-0.009280459600545111},{"text":"Yep.","start":1258.08,"end":1258.48,"sentiment":"neutral","sentiment_score":0.23537544906139377},{"text":"Beautiful.","start":1258.48,"end":1258.98,"sentiment":"positive","sentiment_score":0.6194593906402588},{"text":"And that was essentially everything.","start":1259.36,"end":1261.46,"sentiment":"positive","sentiment_score":0.4905740976333618}],"sentiment":"neutral","sentiment_score":0.08944919519126415,"num_words":33,"start":1249.435,"end":1261.46},{"sentences":[{"text":"So pretty straightforward today.","start":1262.16,"end":1264.02,"sentiment":"positive","sentiment_score":0.6034708172082901},{"text":"Just keeping you both in hub twenty four and just changing a couple of those investments around for you.","start":1264.5851,"end":1270.765,"sentiment":"positive","sentiment_score":0.4327984460090336},{"text":"Now do you guys have any questions, or what are your thoughts on any of this?","start":1271.0651,"end":1275.0851,"sentiment":"neutral","sentiment_score":0.1486345906741917},{"text":"Yeah.","start":1278.7451,"end":1279.2451,"sentiment":"neutral","sentiment_score":0.261717826128006},{"text":"Beautiful.","start":1280.1,"end":1280.6,"sentiment":"positive","sentiment_score":0.5297826528549194}],"sentiment":"positive","sentiment_score":0.3367489676286535,"num_words":41,"start":1262.16,"end":1280.6},{"sentences":[{"text":"Yes.","start":1282.18,"end":1282.68,"sentiment":"neutral","sentiment_score":0.2740359902381897},{"text":"Exactly.","start":1282.82,"end":1283.32,"sentiment":"neutral","sentiment_score":0.27825701236724854},{"text":"So, essentially, from here, obviously, if you guys wanna take some time and have a read over the document, you are more than welcome to.","start":1285.14,"end":1291.32,"sentiment":"neutral","sentiment_score":0.24971237272024155},{"text":"If you are happy with the recommendation and you want to go ahead to move forward, it would just be to add a signature for both of you, the same as what you did for during the annual review.","start":1291.62,"end":1304.1151,"sentiment":"positive","sentiment_score":0.4296535093050737},{"text":"Just add a little signature, and it will add the date automatically.","start":1304.21,"end":1307.51,"sentiment":"neutral","sentiment_score":0.30488840118050575}],"sentiment":"positive","sentiment_score":0.34884935894455665,"num_words":78,"start":1282.18,"end":1307.51},{"sentences":[{"text":"And if you both do it, then it will come through to me, and that tells me that you are happy to go ahead with the change, essentially.","start":1308.21,"end":1317.675,"sentiment":"positive","sentiment_score":0.5474422095077378},{"text":"Yep.","start":1319.915,"end":1320.395,"sentiment":"positive","sentiment_score":0.3976065516471863},{"text":"Perfect.","start":1320.395,"end":1320.895,"sentiment":"positive","sentiment_score":0.6306395530700684},{"text":"Do you guys have any other questions for me?","start":1320.9551,"end":1324.015,"sentiment":"neutral","sentiment_score":0.2534126871161991},{"text":"Otherwise, before I kind of let you guys go and get on with your afternoon.","start":1324.0751,"end":1328.495,"sentiment":"neutral","sentiment_score":0.11844226270914078}],"sentiment":"positive","sentiment_score":0.3780365943632744,"num_words":54,"start":1308.21,"end":1328.495},{"sentences":[{"text":"No?","start":1332.795,"end":1333.08,"sentiment":"neutral","sentiment_score":-0.04394235834479332},{"text":"No?","start":1333.64,"end":1334.14,"sentiment":"neutral","sentiment_score":-0.004865381866693497},{"text":"Yep.","start":1335.64,"end":1336.14,"sentiment":"neutral","sentiment_score":0.1194341480731964},{"text":"Perfect.","start":1337.08,"end":1337.58,"sentiment":"positive","sentiment_score":0.3823317289352417},{"text":"And I do also want to let you guys know, I don't know if I remembered it if I told you guys during the annual review or not, but just for a bit of a personal note, I will actually be going on maternity leave in about two weeks.","start":1337.88,"end":1352.8351,"sentiment":"neutral","sentiment_score":0.11968599716011359}],"sentiment":"neutral","sentiment_score":0.1191994716536324,"num_words":53,"start":1332.795,"end":1352.8351},{"sentences":[{"text":"I did tell you that's beautiful.","start":1354.655,"end":1356.1951,"sentiment":"positive","sentiment_score":0.548228457570076},{"text":"Sorry.","start":1356.9751,"end":1357.4551,"sentiment":"neutral","sentiment_score":0.10011439770460127},{"text":"I will probably next week send you guys an email, and that'll just be, like, a formal introduction to my colleague, Jenna, who will be taking over from me, sorry, while I'm away.","start":1357.4551,"end":1368.7999,"sentiment":"neutral","sentiment_score":0.09521662951870398},{"text":"So if you do have any questions, you can just respond to her directly.","start":1368.94,"end":1372.5599,"sentiment":"neutral","sentiment_score":0.12256441584655217},{"text":"If you forget and you just send it to me, that's all fine.","start":1372.86,"end":1374.94,"sentiment":"neutral","sentiment_score":0.20041883564912355}],"sentiment":"neutral","sentiment_score":0.16198478511242725,"num_words":67,"start":1354.655,"end":1374.94},{"sentences":[{"text":"It will be automatically redirected to her anyway, and you'll be in very capable hands with her, and she will look after you both.","start":1374.94,"end":1382.715,"sentiment":"positive","sentiment_score":0.44776086260875064},{"text":"And then you I look forward to catching up with both of you while I'm back and see kind of what's happened.","start":1382.715,"end":1388.015,"sentiment":"positive","sentiment_score":0.4237185188315131},{"text":"Thank 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Good. Thanks. Yourself? Yeah. Sorry. It's crazy kids and things happening. Yep. I'm just gonna put it back onto speaker phone. One second. Hello? Good. How are you doing? Yeah. Because the chaos that is our life. Okay. Great. Yep. We are ready to go when you log. Yep. James can get it up on his right now. Yeah. He's just getting into it now. There it is. So if he sign docs it. So click to start. Yep. Yep. Yes. Yeah. Yep. Yep. Yep. Yes. Yep. Yep. Yep. No. That's so fun. Yep. Yeah. Yeah. Yep. Please load it up. Mhmm. Yep. Yep. Yes. Yeah. Yep. Yep. An extra. Yep. Yep. I'm just hoping. Yeah. Yep. Yep. Okay. Yep. Yep. Yep. Yep. Yep. No. Yep. That sounds good. Yeah. Yeah. Cool. Yes. Yep. Yep. Yep. Yeah. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yeah. Yes. Yes. Yes. Yeah. Okay. Yeah. It does. Yeah. Yes. Yes. Yep. Yep. Okay. No. I don't think so. Yep. Yes. Yes. Yes. No. That's that's that's the same as far as I'm like Yep. Yes. Yep. Yes. Yep. Yeah. Was it right? Yeah. Yeah. Yeah. K. 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How are you?\n\nChannel 1: Yeah. Good. Thanks. Yourself?\n\nChannel 0: Yeah. Good. Thanks. Thanks for calling me back.\n\nChannel 1: Yeah. Sorry. It's crazy kids and things happening.\n\nChannel 0: That's all good. Do you and Ellie still have time to go through the research?\n\nChannel 1: Yep. I'm just gonna\n\nChannel 0: Yes.\n\nChannel 1: put it back onto speaker phone. One second.\n\nChannel 0: Sure.\n\nChannel 1: Hello?\n\nChannel 0: Hi. How are you?\n\nChannel 1: Good. How are you doing?\n\nChannel 0: Good. Had a busy day.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Because the chaos that is our life.\n\nChannel 0: Yes. Yes. I can imagine. Today shouldn't take too long, though. It is pretty straightforward.\n\nChannel 1: Okay. Great.\n\nChannel 0: So let me know when you guys are ready.\n\nChannel 1: Yep. We are ready to go when\n\nChannel 0: Yes?\n\nChannel 1: you log.\n\nChannel 0: You yep. Beautiful. Now same as last time, I have to send you guys an email with the recommendation to go through. Does either of you have access to your emails or to get it up by any\n\nChannel 1: Yep. James can get it up on his right\n\nChannel 0: chance?\n\nChannel 1: now.\n\nChannel 0: Yep. Beautiful. And it's the same. I've sent you the same email, and it's like a joint document to make it nice and easy as well. And it should say signature request same as last time.\n\nChannel 1: Yeah. He's just getting into it now. There it is.\n\nChannel 0: Yep.\n\nChannel 1: So if he sign docs it. So click to start.\n\nChannel 0: Yes, please. And then you should see the cover page where it says prepared for James and Elizabeth.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Perfect. So every time we do make a recommendation, we have to put everything in a statement of advice for you just to make sure you guys fully understand everything. It is pretty straightforward today. Sorry.\n\nI'll go through just, like, the main points, and then I'll let you guys have a have a read over it. It won't take as long as it did the first time, and you'll see it's about 36 pages, but it is pretty straightforward today and only a few changes.\n\nChannel 1: Yep.\n\nChannel 0: But, yeah, again, the document is just to make sure that it gives you the opportunity to read over everything, make sure you fully understand everything, and that you're not happy before with anything. Does that all\n\nChannel 1: Yes.\n\nChannel 0: make sense?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Beautiful. Now, again, on the cover page, you can see my details listed. You can see my authorized representative number, and I'm licensed under OQ Financial. Now on the second page, page, you'll see that best interest duty again.\n\nSo, again, same as last time, we always just have to make sure that we act in your best interest at all time and that it the advice itself put you guys in a better position as a result of the advice. Now as you scroll through, let me know as well at any point in time if you do have any questions or if I go through anything too quickly.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Otherwise, if you wanna scroll through page three, it should say scope of advice.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. So, again, kind of same as when we go when we went through it last time. It's just the areas we are focusing on today. The main purpose is to look at your superannuation, specifically your investments to see if we wanted to make any changes for any investment.\n\nObviously, with all the markets and everything that's changing, that was the main purpose of today. Not making any changes in regards to insurances or anything else. It is simply just looking at your super investments.\n\nChannel 1: Yes.\n\nChannel 0: Yep. Beautiful. Now if you then wanna scroll through, you will basically see limited advice, kind of same as last time. You\n\nChannel 1: Yep.\n\nChannel 0: will see about you sections, assets and liabilities again. And\n\nChannel 1: Yep.\n\nChannel 0: then\n\nChannel 1: Yep.\n\nChannel 0: if you want to get to page eight, you will see just your situation. So you both have your super with hub twenty four. You will have your insurances first, James, and then on the second page for Elizabeth. I won't go through this in too much detail because we kinda went through it over the annual review unless you guys have any questions in regards to any of that.\n\nChannel 1: No. That's so fun.\n\nChannel 0: No. That's all good. Okay. Perfect. Now if you then wanna stop on page 10, it talks about your risk profile.\n\nChannel 1: Yep.\n\nChannel 0: You can see that. Yep. Perfect. So when we obviously had the discussion during the annual review, you both are still very much aligned with that risk profile of being a growth investor, that we're not making any changes whatsoever in regards to the risk profile or increasing or decreasing risk. We are keeping that exactly the same for both of you, literally just swapping some investments around.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. Now what that actually looks like is if you can scroll down for me, makes it a little bit easier first. If you can scroll through page 15, it should be another fee comparison table, and this one here is for you, James.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. So let me know if you can see that table.\n\nChannel 1: Yep. Please load it\n\nChannel 0: Yep.\n\nChannel 1: up.\n\nChannel 0: Beautiful. So part of the research, and this is for both of you, is I did reset hub twenty four again just to make sure it's still a good option for you because there's always new products and features that come out. So it is good to kind of keep up with that research just to make sure we still have you in the best options possible. Nothing tying us to hub twenty four at all. So it is good to just kind of reassess every now and then.\n\nAnd after doing research, I have recommended that both of you stay in hub twenty four. Still very competitive, still very competitive with fees and investment choices and and flexibility. So not\n\nChannel 1: Mhmm.\n\nChannel 0: changing super funds. Literally just changing investments to make it nice and easy. Now, James, what that looks like for you, you can see here. So, again, insurance stays the same. Contribution stays the same.\n\nAdvise fee stays the same. It is literally changing some investments around for you. And you can see here in this table that by just swapping a couple investments out, it is actually saving you about $883 in per year in investment fees alone, which is pretty good.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Now in terms of performance as well, again, using that same five year rolling average because, obviously, you can't guarantee performance of what's going to happen. And\n\nChannel 1: Yes.\n\nChannel 0: that's why we do like to use that five year rolling average to give us a little bit more certainty of what has happened in the world and the portfolio as well to give us a little bit more certainty. And, again, you can see that by making a couple of changes to the investments, it is improving the performance a little bit, not a huge bit, but still about 1.31%. And when you add that along with the investment saving, it is still making a pretty big difference when we are then looking at compounding for five and ten years, which you can see in the table underneath it. Does that make sense?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Does that make\n\nChannel 1: Yep.\n\nChannel 0: sense?\n\nChannel 1: Yep. An extra. Yep.\n\nChannel 0: Yep. Yep. Perfect. Now the one thing I do want to let you know as well is if you look at the top table where it says balance and you see a difference of $555. Can you see that?\n\nChannel 1: Yep. I'm just hoping.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Perfect. So, basically, what this is, it is the capital gains tax. So when we are changing investments, the same as, like, with an investment investment property, if you were to sell an investment that has gone up, there is capital gains tax associated with the change. Now\n\nChannel 1: Yep.\n\nChannel 0: I've tried to minimize that as much as possible for you by still making sure we do change any investments that we want to.\n\nChannel 1: Yep.\n\nChannel 0: And if I look through changing all your investments completely, the capital gains tax was looking at about 2,943. So I obviously wanted to minimize that as much as possible for you, and it will be estimated at about 555\n\nChannel 1: Okay.\n\nChannel 0: dollars. Does\n\nChannel 1: Yep.\n\nChannel 0: that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now with the capital gains tax as well, it automatically comes out of your $0.5.24. So it's not something that you have to pay for personally. It's not something you ever have to declare on a tax return or anything like that.\n\nIt's all taken care of within the super environment, but it is something I do wanna let you know. And, obviously,\n\nChannel 1: Yep.\n\nChannel 0: it does change on a daily depending on prices\n\nChannel 1: Yep.\n\nChannel 0: and stuff like that as well. But you can see that the investment fee saving per year alone, and that's just a one off\n\nChannel 1: Yep.\n\nChannel 0: fee with the capital gains tax when we are making the change, you very quickly will make up that difference as well. Do you have any questions in regards to any of that?\n\nChannel 1: No.\n\nChannel 0: No? Sure? Yep. Okay.\n\nChannel 1: Yep.\n\nChannel 0: Perfect.\n\nChannel 1: That sounds good.\n\nChannel 0: That sounds good. Perfect. Now on the following page, you can then see that I have included a little bit more information in regards to the performance. So twelve months, three years, five years, and ten years. And you can see that even though your current portfolio has done pretty good, the recommended has still performed a little bit better historically, which, again, will make a\n\nChannel 1: Yeah.\n\nChannel 0: big difference when we are\n\nChannel 1: Yeah.\n\nChannel 0: compounding everything for you. Yep. Now what that actually looks like in terms of the investment changes, and this is the same for both of you, and I will show you the updated projection for you, Ellie, after\n\nChannel 1: Cool.\n\nChannel 0: the investment table here. But when it comes through page 17, you should see, like,\n\nChannel 1: Yes.\n\nChannel 0: a big investment table. So in terms of swapping investments, I have recommended the same. For both of you, you're in the same risk profile and had the same investment portfolio before as well. Does that\n\nChannel 1: Yep.\n\nChannel 0: make sense?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yeah. Beautiful. Now this table here can look a little bit messy, but, essentially, what it does, it shows you your investment name. So,\n\nChannel 1: Yeah.\n\nChannel 0: essentially, what what they're called, you then have the kind of special little code. You have then your current weight, so how much you currently have allocated to each investment option\n\nChannel 1: Yep.\n\nChannel 0: and then what that looks like from a dollar value.\n\nChannel 1: Yep.\n\nChannel 0: Now the column next to it is then the buy and sell. So this is where you can see everything in red is\n\nChannel 1: Yep.\n\nChannel 0: what we are either selling out of or just reducing the exposure that you have in that portfolio investment. And then black is either what we're adding to\n\nChannel 1: Yep.\n\nChannel 0: investment. Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. Now when it comes to kind of putting together the portfolio portfolio, it hasn't changed. We are still using that core and satellite approach to investments and, obviously, focusing on the core investments, which does represent that backbone of the portfolio. Just making a couple of changes, obviously, with mark recent market trends and making sure that we keep things very diversified and are proactive with your investments because things\n\nChannel 1: Yep.\n\nChannel 0: do always change. In the last\n\nChannel 1: Yep.\n\nChannel 0: twelve months, we have obviously seen quite a bit of changes, we obviously wanna make sure we stay on top of that. So when it comes through those kind of core investments for both of you, you have your iShares S and P 500. Now you already have this in your portfolio. It was at about 20.28%, just increasing that up to 30. So keeping that\n\nChannel 1: Yep.\n\nChannel 0: in your portfolio, it's a very good solid investment, very diversified in those 500 biggest companies listed in America. So very diversified, keeping that in your portfolio. The one other core investment that we have changed is that Benelon Australian Equity. Now this is the investment I kind of touched on during the annual review that\n\nChannel 1: Yeah.\n\nChannel 0: I really wanted to look at changing because it has underperformed a little bit. But you can see that's your top one where it says Benelon Australian equity. We're selling completely out of that one. Instead, we are introducing the second one from the bottom where it says the Australia two 100. Can you see that?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. No. That's all good. As long as as long as you can hear me, that's fine. Now the beta sales Australia is a little bit different to Bennelong.\n\nIt is both Australian investments because we wanna\n\nChannel 1: Yes.\n\nChannel 0: make sure we still keep things diversified. But with the Bennelong investment, it is that managed fund fund where they are actively buying and selling different investments in order to try and outperform the market. Whereas the BetaShares Australia three hundred, it is similar to your iShares s and p five hundred, but it's in the Australian market. So it\n\nChannel 1: Yes.\n\nChannel 0: invests in the 200 largest companies listed on the ASX. So you will have kind of, like, your Commonwealth, your BHP, Woolworths, all the big companies in Australia. Yes. So, again, keeping things very diversified, especially with a bit of market volatility and fluctuations. It also means that if something were to happen to one company, it won't impact things as much because you do have a broad range of companies in that one single investment option.\n\nDoes that make sense? Yeah. Option.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Does that make\n\nChannel 1: Yeah. It does.\n\nChannel 0: sense?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Yep. Beautiful. Then moving on to kind of your satellite investments. So these, again, are those kind of little bit specialized investments, can be a little bit more volatile, and that's why they do represent that smaller portion to your portfolio.\n\nSo cybersecurity, you already had in your portfolio, both of you. We are keeping that in your portfolio, just reducing it by about 1%. So instead of having 5.97, just bringing that back to a 5%, but still\n\nChannel 1: Yes.\n\nChannel 0: very much want to keep it in your portfolio. Same for your defensive gold. You already had that again in your portfolio, but you had it at about 8.46%, and\n\nChannel 1: Yes.\n\nChannel 0: it's just increasing that up to 10%. Then when it comes to the the new kind of changes to the investments, the main purpose is to make sure we keep things very diversified, kind of focusing on minimizing, I guess, fluctuations in the market as well, so not having as much kind of investments that are as specialized, so a little bit more diversified than solid investments.\n\nChannel 1: Yep.\n\nChannel 0: Those are kind of your bottom ones. So, again, we wanna make sure we diversify across the globe. So we've introduced 8% to Europe. Again, very diversified investment for you. We have 5% allocated to Japan, and then you have 8% in one that's called your Vanguard or World.\n\nWorld. But this one here does exclude The US because you already have exposure to The US market in that IHS S and P 500. And at the same time, we wanna make sure you don't have too much exposure to just one particular\n\nChannel 1: Yep.\n\nChannel 0: market, if that makes sense. Yep. Beautiful. Then we have just changed one of your defensive investments, just one of the bank hybrids, through your iShares core composite bond, like your fixed interest investments. We do wanna keep some of those defensive components to your portfolio to limit fluctuations a little bit as well.\n\nChannel 1: Okay.\n\nChannel 0: Do you guys have any questions in regards to any of\n\nChannel 1: No. I don't think so.\n\nChannel 0: that? No? Okay. Perfect. Now if you guys wanted to go and have a bit of a read over the investments as well, it's in the appendix, which is the second attachment.\n\nI\n\nChannel 1: Yep.\n\nChannel 0: have included all the investment links there for you. So if it is that you guys wanted to go and have a bit of a read over it, all the information is there for you. But, essentially, not major changes. It is just changing a few things just to kind of aligning with what is currently kind of happening in the market and then in the future as well.\n\nChannel 1: Yes.\n\nChannel 0: Yep. Beautiful. Now when it comes through the asset allocation, that is page 19 for you, James, If you can see that.\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect. So you can see your risk profile aiming at around that eighty twenty allocation, 80 to growth, and 20 to defensive. You have your existing portfolio, which is at eighty one ninety one, 18 o nine to defensive, and then proposed, which is about $84.93, and then 15 o eight. So both very much aligned to your growth profile.\n\nJust a little bit more growth in your proposed, but, again, both very much aligning with that growth profile for you.\n\nChannel 1: Yes.\n\nChannel 0: Yep. Beautiful. Now do you have any questions at all before I kind of move on to what that looks like for Elizabeth\n\nChannel 1: No. That's that's that's the same as far\n\nChannel 0: as well?\n\nChannel 1: as I'm\n\nChannel 0: Pretty.\n\nChannel 1: like Yep.\n\nChannel 0: Yeah. Beautiful. Now same same for you, Ellie. A\n\nChannel 1: Yes.\n\nChannel 0: lot of wording. Again, just kind of talking about the best interest duty on how this recommendation aligns with your best interest. Same as James, we're taking a lot of consideration, like your personal circumstances, like capital gains tax, risk tolerance, time frame, everything that goes into the investment. Now what that looks like for you is if you want to scroll down through page 23, you will then see a similar table to what we went through with James, but this is just tailored to\n\nChannel 1: Yep.\n\nChannel 0: you. Yep. Perfect. Now you can see here as well, we're not changing insurances or anything else. Again, literally just changing those investments around.\n\nAnd by making those couple of investment changes, it is saving you $460 a year, which, again, does add up pretty quickly as well.\n\nChannel 1: Yes.\n\nChannel 0: Yep. Same when it comes to the performance because you guys are invested in the same portfolio currently, and I have recommended the same for you. Again, it's that difference of about 1.31%.\n\nChannel 1: Yep.\n\nChannel 0: Yep. And underneath it, you can kind of see that projected forward again five and ten years. And you can see that by making just those couple of minor changes, it does still make a pretty big difference just even in five years alone by\n\nChannel 1: Yeah.\n\nChannel 0: literally\n\nChannel 1: Was\n\nChannel 0: just\n\nChannel 1: it right?\n\nChannel 0: changing.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Now same for you with the capital gains. So if I were to look at doing a full sell down for you, it would have been about $1,488 in that capital gains tax. Again, obviously, trying to minimize that. And for you, it's estimated at about 277, which is\n\nChannel 1: Yeah.\n\nChannel 0: why you can see that difference in the balance at the\n\nChannel 1: Yeah.\n\nChannel 0: top. Yep. Does that make sense? Do you have\n\nChannel 1: K.\n\nChannel 0: any questions?\n\nChannel 1: No. That looks like a Yep. Similar to\n\nChannel 0: Yeah.\n\nChannel 1: James.\n\nChannel 0: Yeah. Exactly.\n\nChannel 1: Yes.\n\nChannel 0: Very similar, very straightforward, which is great. Again, I have included just for you as well the investment returns on the next page. Again, same\n\nChannel 1: Oh.\n\nChannel 0: portfolio show exactly. Exactly.\n\nChannel 1: Yeah.\n\nChannel 0: Now you then have on page 25 exactly the same as we went through with James. The only reason that the numbers are different is because you have different super balances. So,\n\nChannel 1: Yeah.\n\nChannel 0: obviously, you have different amounts in terms of changing the investments. It's exactly the same as I went through with James.\n\nChannel 1: Yep. Cool.\n\nChannel 0: Yep. Perfect. Again, asset allocation, which is page 27, you can see the same, and it's exactly the same as James. But, again, you are also a growth investor. You're invested in the same portfolio, and I am recommending the same portfolio for you\n\nChannel 1: Yep.\n\nChannel 0: as well. Yep. Beautiful. Which essentially then just takes us through the remuneration section, which is page 30. And like I touched on during the under review, no changes whatsoever in regards to that fee structure for you.\n\nIt stays exactly the same on that discounted rate because you are a couple at that 1.1% from super. There is\n\nChannel 1: Yeah.\n\nChannel 0: no additional fees or charges or anything like that with this advice. It is all part of that ongoing service. And I have, again, just included that MetLife insurance commission there for you to just show you that we do get commissions for the insurance policy.\n\nChannel 1: Yeah.\n\nChannel 0: But if you remember from last time, that is not you paying us. It is MetLife paying us. But just for compliance purposes, we do have to disclose all commissions we received so that you guys are\n\nChannel 1: Yeah.\n\nChannel 0: fully aware.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Beautiful. And that was essentially everything.\n\nChannel 1: Yes.\n\nChannel 0: So pretty straightforward today. Just keeping you both in hub twenty four and just changing a couple of those investments around for you. Now do you guys have any questions, or what are your thoughts on any of this?\n\nChannel 1: No. That's same thing. I have to go ahead. Yes.\n\nChannel 0: Yeah. Beautiful. Yes. Exactly. So, essentially, from here, obviously, if you guys wanna take some time and have a read over the document, you are more than welcome to.\n\nIf you are happy with the recommendation and you want to go ahead to move forward, it would just be to add a signature for both of you, the same as what you did for during the annual review. Just add a little signature, and it will add the date automatically. And if you both do it, then it will come through to me, and that tells me that you are happy to go ahead with the change, essentially.\n\nChannel 1: Sure.\n\nChannel 0: Yep. Perfect. Do you guys have any other questions for me? Otherwise, before I kind of let you guys go and get on with your afternoon.\n\nChannel 1: I don't think so. Nothing.\n\nChannel 0: No? No? Yep. Perfect. And I do also want to let you guys know, I don't know if I remembered it if I told you guys during the annual review or not, but just for a bit of a personal note, I will actually be going on maternity leave in about two weeks.\n\nChannel 1: Yes.\n\nChannel 0: I did tell you that's beautiful. Sorry. I will probably next week send you guys an email, and that'll just be, like, a formal introduction to my colleague, Jenna, who will be taking\n\nChannel 1: Yes.\n\nChannel 0: over from me,\n\nChannel 1: I'm\n\nChannel 0: sorry,\n\nChannel 1: fine.\n\nChannel 0: while I'm away. So\n\nChannel 1: Yeah.\n\nChannel 0: if you do have any questions, you can just respond to her directly. If you forget and you just send it to me, that's all fine. It will be automatically redirected to her anyway, and you'll be in very capable hands with her, and she will look after you both. And then you I look forward to catching up with both of you while I'm back and see kind of what's happened.\n\nChannel 1: Well, I hope it all goes really, really well for you, and thank you for all your\n\nChannel 0: Thank you.\n\nChannel 1: class.\n\nChannel 0: Yeah. Thank you very much. And, yeah, if there's anything you guys need in the next two weeks, so I'm still here, if you do have any questions, Otherwise, I'll keep a look after that document to see if that come through, and I will let the team know to go ahead with those changes.\n\nChannel 1: Yeah.\n\nChannel 0: Or if you decide that you don't want to, just let me know as well just so I can kind of keep an eye on things for you as\n\nChannel 1: Yep.\n\nChannel 0: well.\n\nChannel 1: Yep. Okay. Cool.\n\nChannel 0: Yep. Beautiful. No worries. Well, thank you so much, for both of your time this afternoon. I will let you get back to it.\n\nAnd anything else you need, don't hesitate to give us a call. Okay?\n\nChannel 1: Okay. Thank you.\n\nChannel 0: Okay. No worries. Speak soon. Bye.","paragraphs":[{"sentences":[{"text":"Hi, James.","start":2.6399999,"end":3.36,"sentiment":"neutral","sentiment_score":0.12836262583732605},{"text":"How are you?","start":3.36,"end":4.26,"sentiment":"neutral","sentiment_score":0.1711979458729426}],"sentiment":"neutral","sentiment_score":0.154063817858696,"channel":0,"num_words":5,"start":2.6399999,"end":4.26},{"sentences":[{"text":"Yeah.","start":4.88,"end":5.12,"sentiment":"neutral","sentiment_score":0.2933982014656067},{"text":"Good.","start":5.12,"end":5.3599997,"sentiment":"positive","sentiment_score":0.5914435386657715},{"text":"Thanks.","start":5.3599997,"end":5.6,"sentiment":"positive","sentiment_score":0.5974189043045044},{"text":"Yourself?","start":5.6,"end":6.1,"sentiment":"neutral","sentiment_score":0.3129241168498993}],"sentiment":"positive","sentiment_score":0.44879619032144547,"channel":1,"num_words":4,"start":4.88,"end":6.1},{"sentences":[{"text":"Yeah.","start":6.3999996,"end":6.8799996,"sentiment":"neutral","sentiment_score":0.2901053726673126},{"text":"Good.","start":6.8799996,"end":7.2,"sentiment":"positive","sentiment_score":0.5380401611328125},{"text":"Thanks.","start":7.2,"end":7.6,"sentiment":"positive","sentiment_score":0.602605938911438},{"text":"Thanks for calling me back.","start":7.6,"end":9.139999,"sentiment":"positive","sentiment_score":0.5988728284835816}],"sentiment":"positive","sentiment_score":0.5531394518911839,"channel":0,"num_words":8,"start":6.3999996,"end":9.139999},{"sentences":[{"text":"Yeah.","start":9.92,"end":10.16,"sentiment":"neutral","sentiment_score":0.152913436293602},{"text":"Sorry.","start":10.16,"end":10.559999,"sentiment":"neutral","sentiment_score":0.027155540883541107},{"text":"It's crazy kids and things happening.","start":10.559999,"end":12.98,"sentiment":"neutral","sentiment_score":-0.012833856667081514}],"sentiment":"neutral","sentiment_score":0.01288322964683175,"channel":1,"num_words":8,"start":9.92,"end":12.98},{"sentences":[{"text":"That's all good.","start":13.805,"end":14.765,"sentiment":"positive","sentiment_score":0.4023096760114034},{"text":"Do you and Ellie still have time to go through the research?","start":14.765,"end":18.385,"sentiment":"neutral","sentiment_score":0.03545882708082596}],"sentiment":"neutral","sentiment_score":0.10882899686694145,"channel":0,"num_words":15,"start":13.805,"end":18.385},{"sentences":[{"text":"Yep.","start":18.615,"end":19.015,"sentiment":"neutral","sentiment_score":0.024547740817070007},{"text":"I'm just gonna","start":19.015,"end":19.735,"sentiment":"neutral","sentiment_score":0.016884835436940193}],"sentiment":"neutral","sentiment_score":0.018800561781972647,"channel":1,"num_words":4,"start":18.615,"end":19.735},{"sentences":[{"text":"Yes.","start":19.645,"end":20.145,"sentiment":"neutral","sentiment_score":0.03763271123170853}],"sentiment":"neutral","sentiment_score":0.03763271123170853,"channel":0,"num_words":1,"start":19.645,"end":20.145},{"sentences":[{"text":"put it back onto speaker phone.","start":19.735,"end":21.895,"sentiment":"neutral","sentiment_score":0.0319792702794075},{"text":"One second.","start":21.895,"end":22.635,"sentiment":"neutral","sentiment_score":0.03238372690975666}],"sentiment":"neutral","sentiment_score":0.03208038443699479,"channel":1,"num_words":8,"start":19.735,"end":22.635},{"sentences":[{"text":"Sure.","start":22.845001,"end":23.345001,"sentiment":"neutral","sentiment_score":0.05859397351741791}],"sentiment":"neutral","sentiment_score":0.05859397351741791,"channel":0,"num_words":1,"start":22.845001,"end":23.345001},{"sentences":[{"text":"Hello?","start":26.535,"end":27.035,"sentiment":"neutral","sentiment_score":0.04623040184378624}],"sentiment":"neutral","sentiment_score":0.04623040184378624,"channel":1,"num_words":1,"start":26.535,"end":27.035},{"sentences":[{"text":"Hi.","start":27.805,"end":28.11,"sentiment":"neutral","sentiment_score":0.09683990478515624},{"text":"How are you?","start":28.27,"end":29.01,"sentiment":"neutral","sentiment_score":0.12195366372664769}],"sentiment":"neutral","sentiment_score":0.11567522399127483,"channel":0,"num_words":4,"start":27.805,"end":29.01},{"sentences":[{"text":"Good.","start":29.255001,"end":29.494999,"sentiment":"neutral","sentiment_score":0.31508868932724},{"text":"How are you doing?","start":29.494999,"end":30.315,"sentiment":"neutral","sentiment_score":0.22353240847587585}],"sentiment":"neutral","sentiment_score":0.24184366464614868,"channel":1,"num_words":5,"start":29.255001,"end":30.315},{"sentences":[{"text":"Good.","start":30.75,"end":31.25,"sentiment":"neutral","sentiment_score":0.2996867299079895},{"text":"Had a busy day.","start":31.310001,"end":32.370003,"sentiment":"neutral","sentiment_score":0.19662056490778923}],"sentiment":"neutral","sentiment_score":0.2172337979078293,"channel":0,"num_words":5,"start":30.75,"end":32.370003},{"sentences":[{"text":"Yeah.","start":33.33,"end":33.83,"sentiment":"neutral","sentiment_score":0.05612996965646744}],"sentiment":"neutral","sentiment_score":0.05612996965646744,"channel":1,"num_words":1,"start":33.33,"end":33.83},{"sentences":[{"text":"Yeah.","start":34.27,"end":34.77,"sentiment":"neutral","sentiment_score":0.03089745156466961}],"sentiment":"neutral","sentiment_score":0.03089745156466961,"channel":0,"num_words":1,"start":34.27,"end":34.77},{"sentences":[{"text":"Because the chaos that is our life.","start":35.57,"end":37.43,"sentiment":"neutral","sentiment_score":-0.05978301912546158}],"sentiment":"neutral","sentiment_score":-0.05978301912546158,"channel":1,"num_words":7,"start":35.57,"end":37.43},{"sentences":[{"text":"Yes.","start":38.83,"end":38.99,"sentiment":"neutral","sentiment_score":0.05735880136489868},{"text":"Yes.","start":38.99,"end":39.39,"sentiment":"neutral","sentiment_score":0.0975448340177536},{"text":"I can imagine.","start":39.39,"end":41.025,"sentiment":"neutral","sentiment_score":0.13396505266427994},{"text":"Today shouldn't take too long, though.","start":41.085,"end":43.185,"sentiment":"neutral","sentiment_score":0.20536050697167715},{"text":"It is pretty straightforward.","start":43.245,"end":44.385,"sentiment":"neutral","sentiment_score":0.32561852782964706}],"sentiment":"neutral","sentiment_score":0.20609572976827623,"channel":0,"num_words":15,"start":38.83,"end":44.385},{"sentences":[{"text":"Okay.","start":45.09,"end":45.33,"sentiment":"neutral","sentiment_score":0.2815205454826355},{"text":"Great.","start":45.33,"end":45.83,"sentiment":"positive","sentiment_score":0.4788559079170227}],"sentiment":"positive","sentiment_score":0.3801882266998291,"channel":1,"num_words":2,"start":45.09,"end":45.83},{"sentences":[{"text":"So let me know when you guys are ready.","start":47.005,"end":49.105,"sentiment":"neutral","sentiment_score":0.23205407129393685}],"sentiment":"neutral","sentiment_score":0.23205407129393685,"channel":0,"num_words":9,"start":47.005,"end":49.105},{"sentences":[{"text":"Yep.","start":49.785,"end":50.024998,"sentiment":"neutral","sentiment_score":0.09077048301696776},{"text":"We are ready to go when","start":50.024998,"end":51.305,"sentiment":"neutral","sentiment_score":0.07949911430478096}],"sentiment":"neutral","sentiment_score":0.08110930983509336,"channel":1,"num_words":7,"start":49.785,"end":51.305},{"sentences":[{"text":"Yes?","start":51.005,"end":51.485,"sentiment":"neutral","sentiment_score":0.07070522755384445}],"sentiment":"neutral","sentiment_score":0.07070522755384445,"channel":0,"num_words":1,"start":51.005,"end":51.485},{"sentences":[{"text":"you log.","start":51.305,"end":51.965,"sentiment":"neutral","sentiment_score":0.04231593385338783}],"sentiment":"neutral","sentiment_score":0.04231593385338783,"channel":1,"num_words":2,"start":51.305,"end":51.965},{"sentences":[{"text":"You yep.","start":51.485,"end":52.364998,"sentiment":"neutral","sentiment_score":0.14414922893047333},{"text":"Beautiful.","start":52.364998,"end":52.864998,"sentiment":"positive","sentiment_score":0.5197932720184326},{"text":"Now same as last time, I have to send you guys an email with the recommendation to go through.","start":53.81,"end":60.71,"sentiment":"neutral","sentiment_score":0.16467194416021047},{"text":"Does either of you have access to your emails or to get it up by any","start":61.25,"end":65.775,"sentiment":"neutral","sentiment_score":0.06819697422906756}],"sentiment":"neutral","sentiment_score":0.1323160593839068,"channel":0,"num_words":38,"start":51.485,"end":65.775},{"sentences":[{"text":"Yep.","start":66.1,"end":66.6,"sentiment":"neutral","sentiment_score":0.06910871714353561},{"text":"James can get it up on his 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same.","start":70.015,"end":71.055,"sentiment":"neutral","sentiment_score":0.2899453863501549},{"text":"I've sent you the same email, and it's like a joint document to make it nice and easy as well.","start":71.055,"end":76.115005,"sentiment":"positive","sentiment_score":0.35619986429810524},{"text":"And it should say signature request same as last time.","start":84.43,"end":88.130005,"sentiment":"neutral","sentiment_score":0.17350449413061142}],"sentiment":"neutral","sentiment_score":0.29575543602307636,"channel":0,"num_words":36,"start":68.975,"end":88.130005},{"sentences":[{"text":"Yeah.","start":89.65,"end":89.97,"sentiment":"neutral","sentiment_score":0.08657079935073853},{"text":"He's just getting into it now.","start":89.97,"end":91.649994,"sentiment":"neutral","sentiment_score":0.09164126838246982},{"text":"There it 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pretty straightforward today.","start":121.75,"end":123.775,"sentiment":"positive","sentiment_score":0.35701826214790344},{"text":"Sorry.","start":123.775,"end":124.175,"sentiment":"neutral","sentiment_score":0.03989555686712265}],"sentiment":"neutral","sentiment_score":0.2705073157275045,"channel":0,"num_words":37,"start":110.79,"end":124.175},{"sentences":[{"text":"I'll go through just, like, the main points, and then I'll let you guys have a have a read over it.","start":124.175,"end":128.595,"sentiment":"neutral","sentiment_score":0.08801118586035002},{"text":"It won't take as long as it did the first time, and you'll see it's about 36 pages, but it is pretty straightforward today and only a few 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competitive, still very competitive with fees and investment choices and and flexibility.","start":346.72,"end":353.035,"sentiment":"positive","sentiment_score":0.3454805985093117},{"text":"So not","start":353.255,"end":353.895,"sentiment":"neutral","sentiment_score":-0.006799297407269478}],"sentiment":"neutral","sentiment_score":0.27283347432967275,"channel":0,"num_words":32,"start":342.0,"end":353.895},{"sentences":[{"text":"Mhmm.","start":353.88,"end":354.255,"sentiment":"neutral","sentiment_score":-0.011607923544943333}],"sentiment":"neutral","sentiment_score":-0.011607923544943333,"channel":1,"num_words":1,"start":353.88,"end":354.255},{"sentences":[{"text":"changing super funds.","start":353.895,"end":355.175,"sentiment":"neutral","sentiment_score":0.004897162318229675},{"text":"Literally just changing investments to make it nice and easy.","start":355.175,"end":358.715,"sentiment":"neutral","sentiment_score":0.2175154611468315},{"text":"Now, James, what that looks like for you, 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investments, which does represent that backbone of the portfolio.","start":668.35004,"end":679.41003,"sentiment":"neutral","sentiment_score":0.177890676431931},{"text":"Just making a couple of changes, obviously, with mark recent market trends and making sure that we keep things very diversified and are proactive with your investments because things","start":680.505,"end":690.185,"sentiment":"neutral","sentiment_score":0.19372713231834873}],"sentiment":"neutral","sentiment_score":0.18572446507298285,"channel":0,"num_words":72,"start":662.90497,"end":690.185},{"sentences":[{"text":"Yep.","start":690.0,"end":690.5,"sentiment":"neutral","sentiment_score":0.10956953465938568}],"sentiment":"neutral","sentiment_score":0.10956953465938568,"channel":1,"num_words":1,"start":690.0,"end":690.5},{"sentences":[{"text":"do always change.","start":690.185,"end":691.325,"sentiment":"neutral","sentiment_score":0.12777425845464072},{"text":"In the 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you.","start":1022.27997,"end":1029.1,"sentiment":"neutral","sentiment_score":0.2221322481830915}],"sentiment":"neutral","sentiment_score":0.2221322481830915,"channel":0,"num_words":21,"start":1022.27997,"end":1029.1},{"sentences":[{"text":"Yes.","start":1029.22,"end":1029.72,"sentiment":"neutral","sentiment_score":0.1856851875782013}],"sentiment":"neutral","sentiment_score":0.1856851875782013,"channel":1,"num_words":1,"start":1029.22,"end":1029.72},{"sentences":[{"text":"Yep.","start":1030.04,"end":1030.52,"sentiment":"neutral","sentiment_score":0.21986275911331177},{"text":"Beautiful.","start":1030.52,"end":1031.02,"sentiment":"positive","sentiment_score":0.3787572979927063},{"text":"Now do you have any questions at all before I kind of move on to what that looks like for 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I'm","start":1040.035,"end":1040.395,"sentiment":"neutral","sentiment_score":0.0444698091596365}],"sentiment":"neutral","sentiment_score":0.0444698091596365,"channel":1,"num_words":2,"start":1040.035,"end":1040.395},{"sentences":[{"text":"Pretty.","start":1040.175,"end":1040.675,"sentiment":"neutral","sentiment_score":0.02864906005561352}],"sentiment":"neutral","sentiment_score":0.02864906005561352,"channel":0,"num_words":1,"start":1040.175,"end":1040.675},{"sentences":[{"text":"like Yep.","start":1040.395,"end":1041.775,"sentiment":"neutral","sentiment_score":0.11950238049030305}],"sentiment":"neutral","sentiment_score":0.11950238049030305,"channel":1,"num_words":2,"start":1040.395,"end":1041.775},{"sentences":[{"text":"Yeah.","start":1041.535,"end":1042.035,"sentiment":"positive","sentiment_score":0.3827276825904846},{"text":"Beautiful.","start":1042.415,"end":1042.915,"sentiment":"positive","sentiment_score":0.6699589490890503},{"text":"Now same same for you, Ellie.","start":1043.6951,"end":1046.435,"sentiment":"neutral","sentiment_score":0.32765112320582074},{"text":"A","start":1047.2151,"end":1047.375,"sentiment":"neutral","sentiment_score":0.17300277948379517}],"sentiment":"positive","sentiment_score":0.3546217944886949,"channel":0,"num_words":9,"start":1041.535,"end":1047.375},{"sentences":[{"text":"Yes.","start":1047.37,"end":1047.87,"sentiment":"neutral","sentiment_score":0.23918630182743073}],"sentiment":"neutral","sentiment_score":0.23918630182743073,"channel":1,"num_words":1,"start":1047.37,"end":1047.87},{"sentences":[{"text":"lot of wording.","start":1047.375,"end":1048.1951,"sentiment":"neutral","sentiment_score":0.17068708936373392},{"text":"Again, just kind of talking about the best interest duty on how this recommendation aligns with your best interest.","start":1048.255,"end":1054.3601,"sentiment":"neutral","sentiment_score":0.2012595495111064},{"text":"Same as James, we're taking a lot of consideration, like your personal circumstances, like capital gains tax, risk tolerance, time frame, everything that goes into the investment.","start":1054.9,"end":1065.7351,"sentiment":"neutral","sentiment_score":0.07937553856107923},{"text":"Now what that looks like for you is if you want to scroll down through page 23, you will then see a similar table to what we went through with James, but this is just tailored 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literally just changing those investments around.","start":1084.46,"end":1087.84,"sentiment":"neutral","sentiment_score":0.3052357818399157}],"sentiment":"neutral","sentiment_score":0.28444698235640925,"channel":0,"num_words":24,"start":1079.1799,"end":1087.84},{"sentences":[{"text":"And by making those couple of investment changes, it is saving you $460 a year, which, again, does add up pretty quickly as 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1.31%.","start":1107.32,"end":1111.1799,"sentiment":"neutral","sentiment_score":0.11612012769494738}],"sentiment":"neutral","sentiment_score":0.19932402805848556,"channel":0,"num_words":33,"start":1099.3451,"end":1111.1799},{"sentences":[{"text":"Yep.","start":1111.3301,"end":1111.665,"sentiment":"neutral","sentiment_score":0.103297159075737}],"sentiment":"neutral","sentiment_score":0.103297159075737,"channel":1,"num_words":1,"start":1111.3301,"end":1111.665},{"sentences":[{"text":"Yep.","start":1112.2,"end":1112.6,"sentiment":"neutral","sentiment_score":0.10688918828964232},{"text":"And underneath it, you can kind of see that projected forward again five and ten years.","start":1112.6,"end":1117.08,"sentiment":"neutral","sentiment_score":0.10629612300544977},{"text":"And you can see that by making just those couple of minor changes, it does still make a pretty big difference just even in five years alone 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gains.","start":1127.795,"end":1130.455,"sentiment":"neutral","sentiment_score":-0.0012106667272746563},{"text":"So if I were to look at doing a full sell down for you, it would have been about $1,488 in that capital gains tax.","start":1130.595,"end":1140.3,"sentiment":"neutral","sentiment_score":-0.0319321259111166},{"text":"Again, obviously, trying to minimize that.","start":1140.6001,"end":1142.78,"sentiment":"neutral","sentiment_score":-0.03394124532739321},{"text":"And for you, it's estimated at about 277, which is","start":1142.92,"end":1147.56,"sentiment":"neutral","sentiment_score":0.01229717512615025}],"sentiment":"neutral","sentiment_score":-0.017590824672952296,"channel":0,"num_words":50,"start":1126.595,"end":1147.56},{"sentences":[{"text":"Yeah.","start":1147.405,"end":1147.905,"sentiment":"neutral","sentiment_score":0.004065606743097305}],"sentiment":"neutral","sentiment_score":0.004065606743097305,"channel":1,"num_words":1,"start":1147.405,"end":1147.905},{"sentences":[{"text":"why you can see that difference in the balance at the","start":1147.56,"end":1150.215,"sentiment":"neutral","sentiment_score":-0.00983345593241128}],"sentiment":"neutral","sentiment_score":-0.00983345593241128,"channel":0,"num_words":11,"start":1147.56,"end":1150.215},{"sentences":[{"text":"Yeah.","start":1151.0851,"end":1151.5851,"sentiment":"neutral","sentiment_score":0.0056245774030685425}],"sentiment":"neutral","sentiment_score":0.0056245774030685425,"channel":1,"num_words":1,"start":1151.0851,"end":1151.5851},{"sentences":[{"text":"top.","start":1151.735,"end":1152.135,"sentiment":"neutral","sentiment_score":0.02690121904015541},{"text":"Yep.","start":1152.135,"end":1152.5349,"sentiment":"neutral","sentiment_score":0.039732009172439575},{"text":"Does that make sense?","start":1152.5349,"end":1153.4149,"sentiment":"neutral","sentiment_score":0.04094510246068239},{"text":"Do you have","start":1153.4149,"end":1153.895,"sentiment":"neutral","sentiment_score":0.015042792074382305}],"sentiment":"neutral","sentiment_score":0.030615779364274606,"channel":0,"num_words":9,"start":1151.735,"end":1153.895},{"sentences":[{"text":"K.","start":1153.74,"end":1154.24,"sentiment":"neutral","sentiment_score":0.010687211528420448}],"sentiment":"neutral","sentiment_score":0.010687211528420448,"channel":1,"num_words":1,"start":1153.74,"end":1154.24},{"sentences":[{"text":"any questions?","start":1153.895,"end":1154.5549,"sentiment":"neutral","sentiment_score":0.010027161799371243}],"sentiment":"neutral","sentiment_score":0.010027161799371243,"channel":0,"num_words":2,"start":1153.895,"end":1154.5549},{"sentences":[{"text":"No.","start":1154.62,"end":1154.8601,"sentiment":"neutral","sentiment_score":-0.014552857726812364},{"text":"That looks like a Yep.","start":1154.8601,"end":1156.88,"sentiment":"neutral","sentiment_score":0.005305258929729462},{"text":"Similar 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similar, very straightforward, which is great.","start":1161.255,"end":1163.2001,"sentiment":"positive","sentiment_score":0.5744832967008863},{"text":"Again, I have included just for you as well the investment returns on the next page.","start":1163.2001,"end":1167.54,"sentiment":"neutral","sentiment_score":0.18931239936500788},{"text":"Again, same","start":1167.8401,"end":1168.56,"sentiment":"neutral","sentiment_score":0.09946892037987708}],"sentiment":"neutral","sentiment_score":0.2899727723002434,"channel":0,"num_words":25,"start":1161.255,"end":1168.56},{"sentences":[{"text":"Oh.","start":1168.455,"end":1168.955,"sentiment":"neutral","sentiment_score":0.09714175760746002}],"sentiment":"neutral","sentiment_score":0.09714175760746002,"channel":1,"num_words":1,"start":1168.455,"end":1168.955},{"sentences":[{"text":"portfolio show exactly.","start":1168.56,"end":1170.74,"sentiment":"neutral","sentiment_score":0.1153665582338969},{"text":"Exactly.","start":1171.12,"end":1171.62,"sentiment":"neutral","sentiment_score":0.093995563685894}],"sentiment":"neutral","sentiment_score":0.11002380959689617,"channel":0,"num_words":4,"start":1168.56,"end":1171.62},{"sentences":[{"text":"Yeah.","start":1171.255,"end":1171.755,"sentiment":"neutral","sentiment_score":0.027933264151215553}],"sentiment":"neutral","sentiment_score":0.027933264151215553,"channel":1,"num_words":1,"start":1171.255,"end":1171.755},{"sentences":[{"text":"Now you then have on page 25 exactly the same as we went through with James.","start":1172.9601,"end":1177.78,"sentiment":"neutral","sentiment_score":0.054741173051297665},{"text":"The only reason that the numbers are different is because you have different super 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just show you that we do get commissions for the insurance policy.","start":1236.875,"end":1245.055,"sentiment":"neutral","sentiment_score":0.23932818552622429}],"sentiment":"neutral","sentiment_score":0.26152734199295874,"channel":0,"num_words":46,"start":1229.95,"end":1245.055},{"sentences":[{"text":"Yeah.","start":1245.645,"end":1245.96,"sentiment":"neutral","sentiment_score":0.05372820049524307}],"sentiment":"neutral","sentiment_score":0.05372820049524307,"channel":1,"num_words":1,"start":1245.645,"end":1245.96},{"sentences":[{"text":"But if you remember from last time, that is not you paying us.","start":1245.675,"end":1249.435,"sentiment":"neutral","sentiment_score":-0.03476679869569265},{"text":"It is MetLife paying us.","start":1249.435,"end":1251.12,"sentiment":"neutral","sentiment_score":-0.03219844698905945},{"text":"But just for compliance purposes, we do have to disclose all commissions we received so that you guys 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everything.","start":1259.36,"end":1261.46,"sentiment":"positive","sentiment_score":0.4905740976333618}],"sentiment":"positive","sentiment_score":0.47252933255263735,"channel":0,"num_words":7,"start":1258.08,"end":1261.46},{"sentences":[{"text":"Yes.","start":1261.875,"end":1262.375,"sentiment":"positive","sentiment_score":0.4510902464389801}],"sentiment":"positive","sentiment_score":0.4510902464389801,"channel":1,"num_words":1,"start":1261.875,"end":1262.375},{"sentences":[{"text":"So pretty straightforward today.","start":1262.16,"end":1264.02,"sentiment":"positive","sentiment_score":0.6034708172082901},{"text":"Just keeping you both in hub twenty four and just changing a couple of those investments around for you.","start":1264.5851,"end":1270.765,"sentiment":"positive","sentiment_score":0.4327984460090336},{"text":"Now do you guys have any questions, or what are your thoughts on any of this?","start":1271.0651,"end":1275.0851,"sentiment":"neutral","sentiment_score":0.1486345906741917}],"sentiment":"positive","sentiment_score":0.3337232613792786,"channel":0,"num_words":39,"start":1262.16,"end":1275.0851},{"sentences":[{"text":"No.","start":1275.31,"end":1275.55,"sentiment":"neutral","sentiment_score":-0.10812253504991531},{"text":"That's same thing.","start":1275.55,"end":1276.9901,"sentiment":"neutral","sentiment_score":-0.1168653021256129},{"text":"I have to go 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to.","start":1285.14,"end":1291.32,"sentiment":"neutral","sentiment_score":0.24971237272024155}],"sentiment":"neutral","sentiment_score":0.26160699308946217,"channel":0,"num_words":29,"start":1278.7451,"end":1291.32},{"sentences":[{"text":"If you are happy with the recommendation and you want to go ahead to move forward, it would just be to add a signature for both of you, the same as what you did for during the annual review.","start":1291.62,"end":1304.1151,"sentiment":"positive","sentiment_score":0.4296535093050737},{"text":"Just add a little signature, and it will add the date automatically.","start":1304.21,"end":1307.51,"sentiment":"neutral","sentiment_score":0.30488840118050575},{"text":"And if you both do it, then it will come through to me, and that tells me that you are happy to go ahead with the change, 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afternoon.","start":1324.0751,"end":1328.495,"sentiment":"neutral","sentiment_score":0.11844226270914078}],"sentiment":"neutral","sentiment_score":0.19559977805385223,"channel":0,"num_words":26,"start":1319.915,"end":1328.495},{"sentences":[{"text":"I don't think so.","start":1330.98,"end":1332.02,"sentiment":"neutral","sentiment_score":-0.055712140165269375},{"text":"Nothing.","start":1332.02,"end":1332.52,"sentiment":"neutral","sentiment_score":-0.07515877485275269}],"sentiment":"neutral","sentiment_score":-0.05960146710276604,"channel":1,"num_words":5,"start":1330.98,"end":1332.52},{"sentences":[{"text":"No?","start":1332.795,"end":1333.08,"sentiment":"neutral","sentiment_score":-0.04394235834479332},{"text":"No?","start":1333.64,"end":1334.14,"sentiment":"neutral","sentiment_score":-0.004865381866693497},{"text":"Yep.","start":1335.64,"end":1336.14,"sentiment":"neutral","sentiment_score":0.1194341480731964},{"text":"Perfect.","start":1337.08,"end":1337.58,"sentiment":"positive","sentiment_score":0.3823317289352417},{"text":"And I do also want to let you guys know, I don't know if I remembered it if I told you guys during the annual review or not, but just for a bit of a personal note, I will actually be going on maternity leave in about two weeks.","start":1337.88,"end":1352.8351,"sentiment":"neutral","sentiment_score":0.11968599716011359}],"sentiment":"neutral","sentiment_score":0.1191994716536324,"channel":0,"num_words":53,"start":1332.795,"end":1352.8351},{"sentences":[{"text":"Yes.","start":1353.145,"end":1353.645,"sentiment":"positive","sentiment_score":0.37331581115722656}],"sentiment":"positive","sentiment_score":0.37331581115722656,"channel":1,"num_words":1,"start":1353.145,"end":1353.645},{"sentences":[{"text":"I did tell you that's beautiful.","start":1354.655,"end":1356.1951,"sentiment":"positive","sentiment_score":0.548228457570076},{"text":"Sorry.","start":1356.9751,"end":1357.4551,"sentiment":"neutral","sentiment_score":0.10011439770460127},{"text":"I will probably next week send you guys an email, and that'll just be, like, a formal introduction to my colleague, Jenna, who will be 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me,","start":1366.22,"end":1367.28,"sentiment":"neutral","sentiment_score":0.028490389386812847}],"sentiment":"neutral","sentiment_score":0.028490389386812847,"channel":0,"num_words":3,"start":1366.22,"end":1367.28},{"sentences":[{"text":"I'm","start":1367.47,"end":1367.63,"sentiment":"neutral","sentiment_score":-0.03289314731955528}],"sentiment":"neutral","sentiment_score":-0.03289314731955528,"channel":1,"num_words":1,"start":1367.47,"end":1367.63},{"sentences":[{"text":"sorry,","start":1367.5,"end":1367.9,"sentiment":"neutral","sentiment_score":-0.056471385061740875}],"sentiment":"neutral","sentiment_score":-0.056471385061740875,"channel":0,"num_words":1,"start":1367.5,"end":1367.9},{"sentences":[{"text":"fine.","start":1367.63,"end":1368.13,"sentiment":"neutral","sentiment_score":0.0035490654408931732}],"sentiment":"neutral","sentiment_score":0.0035490654408931732,"channel":1,"num_words":1,"start":1367.63,"end":1368.13},{"sentences":[{"text":"while I'm away.","start":1367.9,"end":1368.7999,"sentiment":"neutral","sentiment_score":-0.04777741556366285},{"text":"So","start":1368.94,"end":1369.1799,"sentiment":"neutral","sentiment_score":0.06161174923181534}],"sentiment":"neutral","sentiment_score":-0.0204301243647933,"channel":0,"num_words":4,"start":1367.9,"end":1369.1799},{"sentences":[{"text":"Yeah.","start":1369.07,"end":1369.395,"sentiment":"neutral","sentiment_score":0.11499251425266266}],"sentiment":"neutral","sentiment_score":0.11499251425266266,"channel":1,"num_words":1,"start":1369.07,"end":1369.395},{"sentences":[{"text":"if you do have any questions, you can just respond to her directly.","start":1369.1799,"end":1372.5599,"sentiment":"neutral","sentiment_score":0.12725308250922424},{"text":"If you forget and you just send it to me, that's all fine.","start":1372.86,"end":1374.94,"sentiment":"neutral","sentiment_score":0.20041883564912355},{"text":"It will be automatically redirected to her anyway, and you'll be in very capable hands with her, and she will look after you both.","start":1374.94,"end":1382.715,"sentiment":"positive","sentiment_score":0.44776086260875064},{"text":"And then you I look forward to catching up with both of you while I'm back and see kind of what's happened.","start":1382.715,"end":1388.015,"sentiment":"positive","sentiment_score":0.4237185188315131}],"sentiment":"positive","sentiment_score":0.3378861535133587,"channel":0,"num_words":72,"start":1369.1799,"end":1388.015},{"sentences":[{"text":"Well, I hope it all goes really, really well for you, and thank you for all your","start":1389.6,"end":1393.11,"sentiment":"positive","sentiment_score":0.7033029444077435}],"sentiment":"positive","sentiment_score":0.7033029444077435,"channel":1,"num_words":17,"start":1389.6,"end":1393.11},{"sentences":[{"text":"Thank you.","start":1393.1901,"end":1393.8501,"sentiment":"positive","sentiment_score":0.6514788568019867}],"sentiment":"positive","sentiment_score":0.6514788568019867,"channel":0,"num_words":2,"start":1393.1901,"end":1393.8501},{"sentences":[{"text":"class.","start":1393.92,"end":1394.42,"sentiment":"positive","sentiment_score":0.410689115524292}],"sentiment":"positive","sentiment_score":0.410689115524292,"channel":1,"num_words":1,"start":1393.92,"end":1394.42},{"sentences":[{"text":"Yeah.","start":1395.27,"end":1395.77,"sentiment":"positive","sentiment_score":0.3936648368835449},{"text":"Thank you very much.","start":1396.0701,"end":1397.1901,"sentiment":"positive","sentiment_score":0.5662336200475693},{"text":"And, yeah, if there's anything you guys need in the next two weeks, so I'm still here, if you do have any questions, Otherwise, I'll keep a look after that document to see if that come through, and I will let the team know to go ahead with those 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as","start":1409.755,"end":1416.7273,"sentiment":"neutral","sentiment_score":0.047590888008989134}],"sentiment":"neutral","sentiment_score":0.047590888008989134,"channel":0,"num_words":29,"start":1409.755,"end":1416.7273},{"sentences":[{"text":"Yep.","start":1416.41,"end":1416.91,"sentiment":"neutral","sentiment_score":0.05956464633345604}],"sentiment":"neutral","sentiment_score":0.05956464633345604,"channel":1,"num_words":1,"start":1416.41,"end":1416.91},{"sentences":[{"text":"well.","start":1416.7273,"end":1417.2273,"sentiment":"neutral","sentiment_score":0.07199420034885406}],"sentiment":"neutral","sentiment_score":0.07199420034885406,"channel":0,"num_words":1,"start":1416.7273,"end":1417.2273},{"sentences":[{"text":"Yep.","start":1417.05,"end":1417.4501,"sentiment":"neutral","sentiment_score":0.08210621774196625},{"text":"Okay.","start":1417.4501,"end":1417.77,"sentiment":"neutral","sentiment_score":0.19345256686210632},{"text":"Cool.","start":1417.77,"end":1418.27,"sentiment":"positive","sentiment_score":0.4188656806945801}],"sentiment":"neutral","sentiment_score":0.23147482176621756,"channel":1,"num_words":3,"start":1417.05,"end":1418.27},{"sentences":[{"text":"Yep.","start":1417.96,"end":1418.46,"sentiment":"positive","sentiment_score":0.3494633138179779},{"text":"Beautiful.","start":1418.6799,"end":1419.1799,"sentiment":"positive","sentiment_score":0.7605661749839783},{"text":"No worries.","start":1420.2,"end":1420.76,"sentiment":"positive","sentiment_score":0.4936062693595886},{"text":"Well, thank you so much, for both of your time this afternoon.","start":1420.76,"end":1424.2,"sentiment":"positive","sentiment_score":0.7903207143147787},{"text":"I will let you get back to it.","start":1424.2,"end":1425.5769,"sentiment":"positive","sentiment_score":0.5128848105669022}],"sentiment":"positive","sentiment_score":0.6535070451597372,"channel":0,"num_words":24,"start":1417.96,"end":1425.5769},{"sentences":[{"text":"And anything else you need, don't hesitate to give us a call.","start":1425.5769,"end":1428.5369,"sentiment":"neutral","sentiment_score":0.24544366945823035},{"text":"Okay?","start":1428.5369,"end":1429.0369,"sentiment":"neutral","sentiment_score":0.1805683076381683}],"sentiment":"neutral","sentiment_score":0.24045325701053327,"channel":0,"num_words":13,"start":1425.5769,"end":1429.0369},{"sentences":[{"text":"Okay.","start":1429.3049,"end":1429.7849,"sentiment":"neutral","sentiment_score":0.2728593051433563},{"text":"Thank you.","start":1429.7849,"end":1430.605,"sentiment":"positive","sentiment_score":0.5974285304546356}],"sentiment":"positive","sentiment_score":0.48923878868420917,"channel":1,"num_words":3,"start":1429.3049,"end":1430.605},{"sentences":[{"text":"Okay.","start":1430.5369,"end":1431.0168,"sentiment":"neutral","sentiment_score":0.27148178219795227},{"text":"No worries.","start":1431.0168,"end":1431.7568,"sentiment":"neutral","sentiment_score":0.23053766041994095},{"text":"Speak soon.","start":1431.9769,"end":1432.7969,"sentiment":"neutral","sentiment_score":0.16706067323684692},{"text":"Bye.","start":1433.1769,"end":1433.6769,"sentiment":"neutral","sentiment_score":-0.13289931416511536}],"sentiment":"neutral","sentiment_score":0.15562985589106879,"channel":0,"num_words":6,"start":1430.5369,"end":1433.6769}]},"summary":{"result":"success","short":"The speaker discusses their investment strategy with an agent, emphasizing the importance of reading and updating their risk profile. They recommend staying in the hub 24 program and decreasing risk by staying in the five-year rolling average. The speaker emphasizes the importance of maintaining a conservative risk profile and maintaining a five-year growth profile. The change to their portfolio will have a positive impact on their portfolio for the next five years, and the speaker provides information on investment returns and commission rates for their insurance policy. The speaker offers to provide more information and follow-up if the customer changes their mind."},"intents":{"segments":[{"text":"Do you and Ellie still have time to go through the research? Yep.","start_word":28,"end_word":40,"intents":[{"intent":"Request evaluation","confidence_score":0.00039502807},{"intent":"Request information","confidence_score":0.022662437}]},{"text":"So let me know when you guys are ready. Yep.","start_word":95,"end_word":104,"intents":[{"intent":"Inquire about availability","confidence_score":0.010212369}]},{"text":"Now same as last time, I have to send you guys an email with the recommendation to go through. Does either of you have access to your emails or to get it up by any Yep.","start_word":117,"end_word":152,"intents":[{"intent":"Inform about recommendation","confidence_score":0.0010939124}]},{"text":"So if he sign docs it. So click to start. Yes, please.","start_word":210,"end_word":221,"intents":[{"intent":"Confirm connection","confidence_score":0.0005260647}]},{"text":"So every time we do make a recommendation, we have to put everything in a statement of advice for you just to make sure you guys fully understand everything. It is pretty straightforward today.","start_word":241,"end_word":274,"intents":[{"intent":"Confirm understanding of recommendation","confidence_score":0.0003758204},{"intent":"Provide clarification","confidence_score":0.004794096}]},{"text":"But, yeah, again, the document is just to make sure that it gives you the opportunity to read over everything, make sure you fully understand everything, and that you're not happy before with anything. Does that all Yes.","start_word":328,"end_word":365,"intents":[{"intent":"Guide and clarify document understanding","confidence_score":0.00024825768}]},{"text":"But, yeah, again, the document is just to make sure that it gives you the opportunity to read over everything, make sure you fully understand everything, and that you're not happy before with anything. Does that all Yes. make sense? Yeah.","start_word":328,"end_word":368,"intents":[{"intent":"Guide and inform about advice","confidence_score":0.0002981982}]},{"text":"The main purpose is to look at your superannuation, specifically your investments to see if we wanted to make any changes for any investment. Obviously, with all the markets and everything that's changing, that was the main purpose of today. Not making any changes in regards to insurances or anything else. It is simply just looking at your super investments. Yes.","start_word":523,"end_word":583,"intents":[{"intent":"Inform about planning for super investments","confidence_score":4.292604e-9},{"intent":"Provide advice on investing topics","confidence_score":0.004960834},{"intent":"Identify superannuation areas and states","confidence_score":0.0000010689977}]},{"text":"Now if you then wanna scroll through, you will basically see limited advice, kind of same as last time. You Yep.","start_word":586,"end_word":606,"intents":[{"intent":"Provide limited advice","confidence_score":0.017906725}]},{"text":"So part of the research, and this is for both of you, is I did reset hub twenty four again just to make sure it's still a good option for you because there's always new products and features that come out. So it is good to kind of keep up with that research just to make sure we still have you in the best options possible.","start_word":849,"end_word":914,"intents":[{"intent":"Reset hub twenty four","confidence_score":0.06377984}]},{"text":"Literally just changing investments to make it nice and easy. Now, James, what that looks like for you, you can see here. So, again, insurance stays the same. Contribution stays the same. Advise fee stays the same. It is literally changing some investments around for you. And you can see here in this table that by just swapping a couple investments out, it is actually saving you about $883 in per year in investment fees alone, which is pretty good.","start_word":973,"end_word":1052,"intents":[{"intent":"Optimize investments","confidence_score":0.009059268}]},{"text":"Now in terms of performance as well, again, using that same five year rolling average because, obviously, you can't guarantee performance of what's going to happen. And Yes.","start_word":1057,"end_word":1084,"intents":[{"intent":"Explain performance","confidence_score":0.053532105},{"intent":"Explain calculation","confidence_score":0.0007806265}]},{"text":"And when you add that along with the investment saving, it is still making a pretty big difference when we are then looking at compounding for five and ten years, which you can see in the table underneath it. Does that make sense? Yeah.","start_word":1155,"end_word":1198,"intents":[{"intent":"Explain compounding","confidence_score":0.32966802}]},{"text":"Does that make Yep. sense? Yep.","start_word":1200,"end_word":1205,"intents":[{"intent":"Confirm understanding","confidence_score":0.016566144}]},{"text":"Now the one thing I do want to let you know as well is if you look at the top table where it says balance and you see a difference of $555. Can you see that? Yep.","start_word":1212,"end_word":1248,"intents":[{"intent":"Explain computation method","confidence_score":0.00012952229}]},{"text":"So, basically, what this is, it is the capital gains tax. So when we are changing investments, the same as, like, with an investment investment property, if you were to sell an investment that has gone up, there is capital gains tax associated with the change. Now Yep.","start_word":1256,"end_word":1303,"intents":[{"intent":"Explain capital gains tax","confidence_score":0.3419283}]},{"text":"Now with the capital gains tax as well, it automatically comes out of your $0.5.24. So it's not something that you have to pay for personally. It's not something you ever have to declare on a tax return or anything like that.","start_word":1379,"end_word":1420,"intents":[{"intent":"Discuss tax return","confidence_score":0.0092623}]},{"text":"But you can see that the investment fee saving per year alone, and that's just a one off Yep. fee with the capital gains tax when we are making the change, you very quickly will make up that difference as well.","start_word":1459,"end_word":1499,"intents":[{"intent":"Inform about investment fee savings","confidence_score":0.0044117663}]},{"text":"But you can see that the investment fee saving per year alone, and that's just a one off Yep. fee with the capital gains tax when we are making the change, you very quickly will make up that difference as well. Do you have any questions in regards to any of that? No.","start_word":1459,"end_word":1511,"intents":[{"intent":"Provide investment comparison","confidence_score":0.00027592995}]},{"text":"Now on the following page, you can then see that I have included a little bit more information in regards to the performance. So twelve months, three years, five years, and ten years.","start_word":1525,"end_word":1557,"intents":[{"intent":"Provide investment information","confidence_score":0.03439871}]},{"text":"Now on the following page, you can then see that I have included a little bit more information in regards to the performance. So twelve months, three years, five years, and ten years. And you can see that even though your current portfolio has done pretty good, the recommended has still performed a little bit better historically, which, again, will make a Yeah.","start_word":1525,"end_word":1587,"intents":[{"intent":"Provide performance information","confidence_score":0.053970337}]},{"text":"But when it comes through page 17, you should see, like, Yes. a big investment table.","start_word":1637,"end_word":1652,"intents":[{"intent":"Show investment table","confidence_score":0.34496394}]},{"text":"So in terms of swapping investments, I have recommended the same. For both of you, you're in the same risk profile and had the same investment portfolio before as well. Does that Yep.","start_word":1653,"end_word":1685,"intents":[{"intent":"Recommend investment swapping investments","confidence_score":0.004861288}]},{"text":"Now when it comes to kind of putting together the portfolio portfolio, it hasn't changed. We are still using that core and satellite approach to investments and, obviously, focusing on the core investments, which does represent that backbone of the portfolio.","start_word":1819,"end_word":1859,"intents":[{"intent":"Analyze portfolio investments","confidence_score":0.15468642}]},{"text":"So, again, keeping things very diversified, especially with a bit of market volatility and fluctuations. It also means that if something were to happen to one company, it won't impact things as much because you do have a broad range of companies in that one single investment option. Does that make sense?","start_word":2206,"end_word":2257,"intents":[{"intent":"Divulge investments","confidence_score":0.021189522}]},{"text":"Then we have just changed one of your defensive investments, just one of the bank hybrids, through your iShares core composite bond, like your fixed interest investments. We do wanna keep some of those defensive components to your portfolio to limit fluctuations a little bit as well. Okay.","start_word":2551,"end_word":2598,"intents":[{"intent":"Evaluate portfolio changes","confidence_score":0.0735904}]},{"text":"Again, just kind of talking about the best interest duty on how this recommendation aligns with your best interest.","start_word":2876,"end_word":2894,"intents":[{"intent":"Discuss best interest duty recommendations","confidence_score":0.010298371}]},{"text":"obviously, you have different amounts in terms of changing the investments. It's exactly the same as I went through with James. Yep. Cool.","start_word":3248,"end_word":3270,"intents":[{"intent":"Understand investment changes","confidence_score":3.4457537e-7}]},{"text":"If you are happy with the recommendation and you want to go ahead to move forward, it would just be to add a signature for both of you, the same as what you did for during the annual review. Just add a little signature, and it will add the date automatically. And if you both do it, then it will come through to me, and that tells me that you are happy to go ahead with the change, essentially. Sure.","start_word":3551,"end_word":3630,"intents":[{"intent":"Add signature","confidence_score":0.761808}]},{"text":"Do you guys have any other questions for me? Otherwise, before I kind of let you guys go and get on with your afternoon. I don't think so.","start_word":3632,"end_word":3659,"intents":[{"intent":"Schedule meeting","confidence_score":0.0011447963},{"intent":"Initiate conversation","confidence_score":0.00008869618}]},{"text":"And I do also want to let you guys know, I don't know if I remembered it if I told you guys during the annual review or not, but just for a bit of a personal note, I will actually be going on maternity leave in about two weeks. Yes.","start_word":3665,"end_word":3714,"intents":[{"intent":"Attend maternity leave","confidence_score":0.0044034007}]}]},"sentiments":{"segments":[{"text":"Hi, James. How are you? Yeah.","start_word":0,"end_word":5,"sentiment":"neutral","sentiment_score":0.17837679386138916},{"text":"Good. Thanks.","start_word":6,"end_word":7,"sentiment":"positive","sentiment_score":0.5944312214851379},{"text":"Yourself? Yeah.","start_word":8,"end_word":9,"sentiment":"neutral","sentiment_score":0.3037966191768646},{"text":"Good. Thanks. Thanks for calling me back.","start_word":10,"end_word":16,"sentiment":"positive","sentiment_score":0.5857878923416138},{"text":"Yeah. Sorry. It's crazy kids and things happening.","start_word":17,"end_word":24,"sentiment":"neutral","sentiment_score":0.03444347158074379},{"text":"That's all good.","start_word":25,"end_word":27,"sentiment":"positive","sentiment_score":0.38035982847213745},{"text":"Do you and Ellie still have time to go through the research? Yep. I'm just gonna Yes. put it back onto speaker phone. One second. Sure. Hello? Hi. How are you? Good. How are you doing? Good. Had a busy day. Yeah. Yeah. Because the chaos that is our life. Yes. Yes. I can imagine. Today shouldn't take too long, though. It is pretty straightforward. Okay.","start_word":28,"end_word":93,"sentiment":"neutral","sentiment_score":0.10654037445783617},{"text":"Great.","start_word":94,"end_word":94,"sentiment":"positive","sentiment_score":0.4788559079170227},{"text":"So let me know when you guys are ready. Yep. We are ready to go when Yes? you log. You yep.","start_word":95,"end_word":115,"sentiment":"neutral","sentiment_score":0.14362236857414246},{"text":"Beautiful.","start_word":116,"end_word":116,"sentiment":"positive","sentiment_score":0.5197932720184326},{"text":"Now same as last time, I have to send you guys an email with the recommendation to go through. Does either of you have access to your emails or to get it up by any Yep. James can get it up on his right chance? now. Yep.","start_word":117,"end_word":163,"sentiment":"neutral","sentiment_score":0.11572793871164322},{"text":"Beautiful.","start_word":164,"end_word":164,"sentiment":"positive","sentiment_score":0.4481879472732544},{"text":"And it's the same.","start_word":165,"end_word":168,"sentiment":"neutral","sentiment_score":0.2883516550064087},{"text":"I've sent you the same email, and it's like a joint document to make it nice and easy as well.","start_word":169,"end_word":188,"sentiment":"positive","sentiment_score":0.3415234684944153},{"text":"And it should say signature request same as last time. Yeah. He's just getting into it now. There it is. Yep. So if he sign docs it. So click to start. Yes, please. And then you should see the cover page where it says prepared for James and Elizabeth. Yep. Yeah.","start_word":189,"end_word":239,"sentiment":"neutral","sentiment_score":0.09798338264226912},{"text":"Perfect.","start_word":240,"end_word":240,"sentiment":"positive","sentiment_score":0.4410980939865112},{"text":"So every time we do make a recommendation, we have to put everything in a statement of advice for you just to make sure you guys fully understand everything.","start_word":241,"end_word":269,"sentiment":"neutral","sentiment_score":0.25984692573547363},{"text":"It is pretty straightforward today.","start_word":270,"end_word":274,"sentiment":"positive","sentiment_score":0.3464530408382416},{"text":"Sorry. I'll go through just, like, the main points, and then I'll let you guys have a have a read over it. It won't take as long as it did the first time, and you'll see it's about 36 pages, but it is pretty straightforward today and only a few changes. Yep. But, yeah, again, the document is just to make sure that it gives you the opportunity to read over everything, make sure you fully understand everything, and that you're not happy before with anything. Does that all Yes. make sense? Yeah. Yep.","start_word":275,"end_word":368,"sentiment":"neutral","sentiment_score":-0.012319295330250515},{"text":"Beautiful.","start_word":369,"end_word":369,"sentiment":"positive","sentiment_score":0.527048647403717},{"text":"Now, again, on the cover page, you can see my details listed. You can see my authorized representative number, and I'm licensed under OQ Financial. Now on the second page, page, you'll see that best interest duty again. So, again, same as last time, we always just have to make sure that we act in your best interest at all time and that it the advice itself put you guys in a better position as a result of the advice. Now as you scroll through, let me know as well at any point in time if you do have any questions or if I go through anything too quickly. Yep. Yep. Otherwise, if you wanna scroll through page three, it should say scope of advice. Yep. Yep.","start_word":370,"end_word":496,"sentiment":"neutral","sentiment_score":0.13097983598709106},{"text":"Perfect.","start_word":497,"end_word":497,"sentiment":"positive","sentiment_score":0.36225488781929016},{"text":"So, again, kind of same as when we go when we went through it last time. It's just the areas we are focusing on today. The main purpose is to look at your superannuation, specifically your investments to see if we wanted to make any changes for any investment. Obviously, with all the markets and everything that's changing, that was the main purpose of today. Not making any changes in regards to insurances or anything else. It is simply just looking at your super investments. Yes. Yep. Beautiful. Now if you then wanna scroll through, you will basically see limited advice, kind of same as last time. You Yep. will see about you sections, assets and liabilities again. And Yep. then Yep. if you want to get to page eight, you will see just your situation. So you both have your super with hub twenty four. You will have your insurances first, James, and then on the second page for Elizabeth. I won't go through this in too much detail because we kinda went through it over the annual review unless you guys have any questions in regards to any of that. No. That's so fun. No. That's all good.","start_word":498,"end_word":697,"sentiment":"neutral","sentiment_score":0.05770379953086376},{"text":"Okay. Perfect.","start_word":698,"end_word":699,"sentiment":"positive","sentiment_score":0.4728471934795379},{"text":"Now if you then wanna stop on page 10, it talks about your risk profile. Yep. You can see that. Yep.","start_word":700,"end_word":720,"sentiment":"neutral","sentiment_score":0.10096064954996108},{"text":"Perfect.","start_word":721,"end_word":721,"sentiment":"positive","sentiment_score":0.5012836456298828},{"text":"So when we obviously had the discussion during the annual review, you both are still very much aligned with that risk profile of being a growth investor, that we're not making any changes whatsoever in regards to the risk profile or increasing or decreasing risk. We are keeping that exactly the same for both of you, literally just swapping some investments around. Yeah. Yep.","start_word":722,"end_word":785,"sentiment":"neutral","sentiment_score":0.16758278012275696},{"text":"Perfect.","start_word":786,"end_word":786,"sentiment":"positive","sentiment_score":0.4802032113075256},{"text":"Now what that actually looks like is if you can scroll down for me, makes it a little bit easier first. If you can scroll through page 15, it should be another fee comparison table, and this one here is for you, James. Yeah. Yep. So let me know if you can see that table. Yep. Please load it Yep. up.","start_word":787,"end_word":847,"sentiment":"neutral","sentiment_score":0.16379809379577637},{"text":"Beautiful.","start_word":848,"end_word":848,"sentiment":"positive","sentiment_score":0.5709282159805298},{"text":"So part of the research, and this is for both of you, is I did reset hub twenty four again just to make sure it's still a good option for you because there's always new products and features that come out.","start_word":849,"end_word":889,"sentiment":"neutral","sentiment_score":0.23607885837554932},{"text":"So it is good to kind of keep up with that research just to make sure we still have you in the best options possible.","start_word":890,"end_word":914,"sentiment":"positive","sentiment_score":0.33569207787513733},{"text":"Nothing tying us to hub twenty four at all. So it is good to just kind of reassess every now and then. And after doing research, I have recommended that both of you stay in hub twenty four.","start_word":915,"end_word":952,"sentiment":"neutral","sentiment_score":0.15082845091819763},{"text":"Still very competitive, still very competitive with fees and investment choices and and flexibility.","start_word":953,"end_word":966,"sentiment":"positive","sentiment_score":0.3404552638530731},{"text":"So not Mhmm. changing super funds. Literally just changing investments to make it nice and easy. Now, James, what that looks like for you, you can see here. So, again, insurance stays the same. Contribution stays the same. Advise fee stays the same.","start_word":967,"end_word":1009,"sentiment":"neutral","sentiment_score":0.191518634557724},{"text":"It is literally changing some investments around for you. And you can see here in this table that by just swapping a couple investments out, it is actually saving you about $883 in per year in investment fees alone, which is pretty good.","start_word":1010,"end_word":1052,"sentiment":"positive","sentiment_score":0.5068816542625427},{"text":"Yep. Yep. Yep. Now in terms of performance as well, again, using that same five year rolling average because, obviously, you can't guarantee performance of what's going to happen. And Yes.","start_word":1053,"end_word":1083,"sentiment":"neutral","sentiment_score":0.09613532645087088},{"text":"that's why we do like to use that five year rolling average to give us a little bit more certainty of what has happened in the world and the portfolio as well to give us a little bit more certainty. And, again, you can see that by making a couple of changes to the investments, it is improving the performance a little bit, not a huge bit, but still about 1.31%. And when you add that along with the investment saving, it is still making a pretty big difference when we are then looking at compounding for five and ten years, which you can see in the table underneath it.","start_word":1084,"end_word":1193,"sentiment":"positive","sentiment_score":0.4648312330245972},{"text":"Does that make sense? Yeah. Yeah. Does that make Yep. sense? Yep. An extra. Yep. Yep. Yep.","start_word":1194,"end_word":1210,"sentiment":"neutral","sentiment_score":0.10748696327209473},{"text":"Perfect.","start_word":1211,"end_word":1211,"sentiment":"positive","sentiment_score":0.447672963142395},{"text":"Now the one thing I do want to let you know as well is if you look at the top table where it says balance and you see a difference of $555. Can you see that? Yep. I'm just hoping. Yeah. Yeah. Yeah. Perfect. So, basically, what this is, it is the capital gains tax. So when we are changing investments, the same as, like, with an investment investment property, if you were to sell an investment that has gone up, there is capital gains tax associated with the change. Now Yep. I've tried to minimize that as much as possible for you by still making sure we do change any investments that we want to. Yep. And if I look through changing all your investments completely, the capital gains tax was looking at about 2,943. So I obviously wanted to minimize that as much as possible for you, and it will be estimated at about 555 Okay. dollars. Does Yep. that make sense? Yep. Yep.","start_word":1212,"end_word":1377,"sentiment":"neutral","sentiment_score":0.03377078101038933},{"text":"Perfect.","start_word":1378,"end_word":1378,"sentiment":"positive","sentiment_score":0.4843727946281433},{"text":"Now with the capital gains tax as well, it automatically comes out of your $0.5.24. So it's not something that you have to pay for personally. It's not something you ever have to declare on a tax return or anything like that. It's all taken care of within the super environment, but it is something I do wanna let you know. And, obviously, Yep. it does change on a daily depending on prices Yep. and stuff like that as well. But you can see that the investment fee saving per year alone, and that's just a one off Yep. fee with the capital gains tax when we are making the change, you very quickly will make up that difference as well. Do you have any questions in regards to any of that? No. No? Sure? Yep. Okay. Yep.","start_word":1379,"end_word":1516,"sentiment":"neutral","sentiment_score":0.2041074769652408},{"text":"Perfect. That sounds good. That sounds good. Perfect.","start_word":1517,"end_word":1524,"sentiment":"positive","sentiment_score":0.615822434425354},{"text":"Now on the following page, you can then see that I have included a little bit more information in regards to the performance. So twelve months, three years, five years, and ten years. And you can see that even though your current portfolio has done pretty good, the recommended has still performed a little bit better historically, which, again, will make a Yeah. big difference when we are Yeah. compounding everything for you. Yep. Now what that actually looks like in terms of the investment changes, and this is the same for both of you, and I will show you the updated projection for you, Ellie, after Cool. the investment table here. But when it comes through page 17, you should see, like, Yes. a big investment table. So in terms of swapping investments, I have recommended the same. For both of you, you're in the same risk profile and had the same investment portfolio before as well. Does that Yep. make sense? Yep. Yep. Yeah. Beautiful. Now this table here can look a little bit messy, but, essentially, what it does, it shows you your investment name. So, essentially, Yeah. what what they're called, you then have the kind of special little code. You have then your current weight, so how much you currently have allocated to each investment option Yep. and then what that looks like from a dollar value. Yep. Now the column next to it is then the buy and sell. So this is where you can see everything in red is Yep. what we are either selling out of or just reducing the exposure that you have in that portfolio investment. And then black is either what we're adding to Yep. investment. Does that make sense? Yep. Yep.","start_word":1525,"end_word":1817,"sentiment":"neutral","sentiment_score":0.07136795130707704},{"text":"Beautiful.","start_word":1818,"end_word":1818,"sentiment":"positive","sentiment_score":0.6120850443840027},{"text":"Now when it comes to kind of putting together the portfolio portfolio, it hasn't changed. We are still using that core and satellite approach to investments and, obviously, focusing on the core investments, which does represent that backbone of the portfolio. Just making a couple of changes, obviously, with mark recent market trends and making sure that we keep things very diversified and are proactive with your investments because things Yep. do always change. In the last Yep. twelve months, we have obviously seen quite a bit of changes, we obviously wanna make sure we stay on top of that. So when it comes through those kind of core investments for both of you, you have your iShares S and P 500. Now you already have this in your portfolio. It was at about 20.28%, just increasing that up to 30.","start_word":1819,"end_word":1959,"sentiment":"neutral","sentiment_score":0.1505325585603714},{"text":"So keeping that Yep. in your portfolio, it's a very good solid investment, very diversified in those 500 biggest companies listed in America. So very diversified, keeping that in your portfolio.","start_word":1960,"end_word":1990,"sentiment":"positive","sentiment_score":0.4412830173969269},{"text":"The one other core investment that we have changed is that Benelon Australian Equity. Now this is the investment I kind of touched on during the annual review that Yeah. I really wanted to look at changing because it has underperformed a little bit. But you can see that's your top one where it says Benelon Australian equity. We're selling completely out of that one. Instead, we are introducing the second one from the bottom where it says the Australia two 100. Can you see that? Yes. Yeah. No. That's all good. As long as as long as you can hear me, that's fine. Now the beta sales Australia is a little bit different to Bennelong. It is both Australian investments because we wanna Yes. make sure we still keep things diversified. But with the Bennelong investment, it is that managed fund fund where they are actively buying and selling different investments in order to try and outperform the market. Whereas the BetaShares Australia three hundred, it is similar to your iShares s and p five hundred, but it's in the Australian market. So it Yes. invests in the 200 largest companies listed on the ASX. So you will have kind of, like, your Commonwealth, your BHP, Woolworths, all the big companies in Australia. Yes.","start_word":1991,"end_word":2205,"sentiment":"neutral","sentiment_score":0.08459906453310057},{"text":"So, again, keeping things very diversified, especially with a bit of market volatility and fluctuations. It also means that if something were to happen to one company, it won't impact things as much because you do have a broad range of companies in that one single investment option.","start_word":2206,"end_word":2253,"sentiment":"positive","sentiment_score":0.4169963598251343},{"text":"Does that make sense? Yeah. Option. Yeah. Okay. Does that make Yeah. It does. sense? Yeah. Yeah.","start_word":2254,"end_word":2270,"sentiment":"neutral","sentiment_score":0.15353620052337646},{"text":"Yep. Beautiful.","start_word":2271,"end_word":2272,"sentiment":"positive","sentiment_score":0.468455046415329},{"text":"Then moving on to kind of your satellite investments. So these, again, are those kind of little bit specialized investments, can be a little bit more volatile, and that's why they do represent that smaller portion to your portfolio. So cybersecurity, you already had in your portfolio, both of you. We are keeping that in your portfolio, just reducing it by about 1%. So instead of having 5.97, just bringing that back to a 5%, but still Yes.","start_word":2273,"end_word":2350,"sentiment":"neutral","sentiment_score":0.10547123104333878},{"text":"very much want to keep it in your portfolio.","start_word":2351,"end_word":2359,"sentiment":"positive","sentiment_score":0.33424821496009827},{"text":"Same for your defensive gold. You already had that again in your portfolio, but you had it at about 8.46%, and Yes. it's just increasing that up to 10%. Then when it comes to the the new kind of changes to the investments, the main purpose is to make sure we keep things very diversified, kind of focusing on minimizing, I guess, fluctuations in the market as well, so not having as much kind of investments that are as specialized, so a little bit more diversified than solid investments. Yep. Those are kind of your bottom ones. So, again, we wanna make sure we diversify across the globe. So we've introduced 8% to Europe.","start_word":2360,"end_word":2473,"sentiment":"neutral","sentiment_score":0.19201770424842832},{"text":"Again, very diversified investment for you.","start_word":2474,"end_word":2479,"sentiment":"positive","sentiment_score":0.37636634707450867},{"text":"We have 5% allocated to Japan, and then you have 8% in one that's called your Vanguard or World. World. But this one here does exclude The US because you already have exposure to The US market in that IHS S and P 500. And at the same time, we wanna make sure you don't have too much exposure to just one particular Yep. market, if that makes sense. Yep.","start_word":2480,"end_word":2549,"sentiment":"neutral","sentiment_score":0.0323495798345123},{"text":"Beautiful.","start_word":2550,"end_word":2550,"sentiment":"positive","sentiment_score":0.6350988149642944},{"text":"Then we have just changed one of your defensive investments, just one of the bank hybrids, through your iShares core composite bond, like your fixed interest investments. We do wanna keep some of those defensive components to your portfolio to limit fluctuations a little bit as well. Okay. Do you guys have any questions in regards to any of No. I don't think so. that? No? Okay.","start_word":2551,"end_word":2617,"sentiment":"neutral","sentiment_score":0.13871626555919647},{"text":"Perfect.","start_word":2618,"end_word":2618,"sentiment":"positive","sentiment_score":0.4051667451858521},{"text":"Now if you guys wanted to go and have a bit of a read over the investments as well, it's in the appendix, which is the second attachment. I Yep. have included all the investment links there for you. So if it is that you guys wanted to go and have a bit of a read over it, all the information is there for you. But, essentially, not major changes. It is just changing a few things just to kind of aligning with what is currently kind of happening in the market and then in the future as well. Yes. Yep.","start_word":2619,"end_word":2719,"sentiment":"neutral","sentiment_score":0.15916955471038818},{"text":"Beautiful.","start_word":2720,"end_word":2720,"sentiment":"positive","sentiment_score":0.39541348814964294},{"text":"Now when it comes through the asset allocation, that is page 19 for you, James, If you can see that. Yes. Yep.","start_word":2721,"end_word":2742,"sentiment":"neutral","sentiment_score":0.10942969471216202},{"text":"Perfect.","start_word":2743,"end_word":2743,"sentiment":"positive","sentiment_score":0.33612459897994995},{"text":"So you can see your risk profile aiming at around that eighty twenty allocation, 80 to growth, and 20 to defensive. You have your existing portfolio, which is at eighty one ninety one, 18 o nine to defensive, and then proposed, which is about $84.93, and then 15 o eight. So both very much aligned to your growth profile. Just a little bit more growth in your proposed, but, again, both very much aligning with that growth profile for you. Yes. Yep.","start_word":2744,"end_word":2825,"sentiment":"neutral","sentiment_score":0.18673348426818848},{"text":"Beautiful.","start_word":2826,"end_word":2826,"sentiment":"positive","sentiment_score":0.3787572979927063},{"text":"Now do you have any questions at all before I kind of move on to what that looks like for Elizabeth No. That's that's that's the same as far as well? as I'm Pretty. like Yep.","start_word":2827,"end_word":2862,"sentiment":"neutral","sentiment_score":0.07960917510920101},{"text":"Yeah. Beautiful.","start_word":2863,"end_word":2864,"sentiment":"positive","sentiment_score":0.5263433456420898},{"text":"Now same same for you, Ellie. A Yes. lot of wording. Again, just kind of talking about the best interest duty on how this recommendation aligns with your best interest. Same as James, we're taking a lot of consideration, like your personal circumstances, like capital gains tax, risk tolerance, time frame, everything that goes into the investment. Now what that looks like for you is if you want to scroll down through page 23, you will then see a similar table to what we went through with James, but this is just tailored to Yep. you. Yep.","start_word":2865,"end_word":2961,"sentiment":"neutral","sentiment_score":0.13877075910568237},{"text":"Perfect.","start_word":2962,"end_word":2962,"sentiment":"positive","sentiment_score":0.6225275993347168},{"text":"Now you can see here as well, we're not changing insurances or anything else. Again, literally just changing those investments around.","start_word":2963,"end_word":2983,"sentiment":"neutral","sentiment_score":0.2714836299419403},{"text":"And by making those couple of investment changes, it is saving you $460 a year, which, again, does add up pretty quickly as well.","start_word":2984,"end_word":3007,"sentiment":"positive","sentiment_score":0.546199381351471},{"text":"Yes. Yep. Same when it comes to the performance because you guys are invested in the same portfolio currently, and I have recommended the same for you. Again, it's that difference of about 1.31%. Yep. Yep. And underneath it, you can kind of see that projected forward again five and ten years. And you can see that by making just those couple of minor changes, it does still make a pretty big difference just even in five years alone by Yeah. literally Was just it right? changing. Yeah. Yeah. Now same for you with the capital gains. So if I were to look at doing a full sell down for you, it would have been about $1,488 in that capital gains tax. Again, obviously, trying to minimize that. And for you, it's estimated at about 277, which is Yeah. why you can see that difference in the balance at the Yeah. top. Yep. Does that make sense? Do you have K. any questions? No. That looks like a Yep. Similar to Yeah. James. Yeah. Exactly. Yes.","start_word":3008,"end_word":3183,"sentiment":"neutral","sentiment_score":0.0697663351893425},{"text":"Very similar, very straightforward, which is great.","start_word":3184,"end_word":3190,"sentiment":"positive","sentiment_score":0.5661186575889587},{"text":"Again, I have included just for you as well the investment returns on the next page. Again, same Oh. portfolio show exactly. Exactly. Yeah. Now you then have on page 25 exactly the same as we went through with James. The only reason that the numbers are different is because you have different super balances. So, Yeah. obviously, you have different amounts in terms of changing the investments. It's exactly the same as I went through with James. Yep.","start_word":3191,"end_word":3269,"sentiment":"neutral","sentiment_score":0.06895751623979098},{"text":"Cool. Yep. Perfect. Again, asset allocation, which is page 27, you can see the same, and it's exactly the same as James.","start_word":3270,"end_word":3291,"sentiment":"positive","sentiment_score":0.4273896813392639},{"text":"But, again, you are also a growth investor.","start_word":3292,"end_word":3299,"sentiment":"neutral","sentiment_score":0.2839994430541992},{"text":"You're invested in the same portfolio, and I am recommending the same portfolio for you Yep.","start_word":3300,"end_word":3315,"sentiment":"positive","sentiment_score":0.3945670127868652},{"text":"as well.","start_word":3316,"end_word":3317,"sentiment":"neutral","sentiment_score":0.30481064319610596},{"text":"Yep. Beautiful.","start_word":3318,"end_word":3319,"sentiment":"positive","sentiment_score":0.49185171723365784},{"text":"Which essentially then just takes us through the remuneration section, which is page 30. And like I touched on during the under review, no changes whatsoever in regards to that fee structure for you.","start_word":3320,"end_word":3353,"sentiment":"neutral","sentiment_score":0.2169794887304306},{"text":"It stays exactly the same on that discounted rate because you are a couple at that 1.1% from super.","start_word":3354,"end_word":3372,"sentiment":"positive","sentiment_score":0.4384305477142334},{"text":"There is Yeah. no additional fees or charges or anything like that with this advice.","start_word":3373,"end_word":3387,"sentiment":"neutral","sentiment_score":0.21152044832706451},{"text":"It is all part of that ongoing service.","start_word":3388,"end_word":3395,"sentiment":"positive","sentiment_score":0.4100257456302643},{"text":"And I have, again, just included that MetLife insurance commission there for you to just show you that we do get commissions for the insurance policy. Yeah. But if you remember from last time, that is not you paying us. It is MetLife paying us. But just for compliance purposes, we do have to disclose all commissions we received so that you guys are Yeah. fully aware. Yeah. Yep.","start_word":3396,"end_word":3464,"sentiment":"neutral","sentiment_score":0.08555181324481964},{"text":"Beautiful. And that was essentially everything. Yes. So pretty straightforward today. Just keeping you both in hub twenty four and just changing a couple of those investments around for you.","start_word":3465,"end_word":3494,"sentiment":"positive","sentiment_score":0.47603118419647217},{"text":"Now do you guys have any questions, or what are your thoughts on any of this? No. That's same thing. I have to go ahead. Yes. Yeah.","start_word":3495,"end_word":3521,"sentiment":"neutral","sentiment_score":0.0671902522444725},{"text":"Beautiful.","start_word":3522,"end_word":3522,"sentiment":"positive","sentiment_score":0.5297826528549194},{"text":"Yes. Exactly. So, essentially, from here, obviously, if you guys wanna take some time and have a read over the document, you are more than welcome to.","start_word":3523,"end_word":3549,"sentiment":"neutral","sentiment_score":0.25343579053878784},{"text":"If you are happy with the recommendation and you want to go ahead to move forward, it would just be to add a signature for both of you, the same as what you did for during the annual review.","start_word":3550,"end_word":3588,"sentiment":"positive","sentiment_score":0.42324137687683105},{"text":"Just add a little signature, and it will add the date automatically.","start_word":3589,"end_word":3600,"sentiment":"neutral","sentiment_score":0.30624625086784363},{"text":"And if you both do it, then it will come through to me, and that tells me that you are happy to go ahead with the change, essentially.","start_word":3601,"end_word":3628,"sentiment":"positive","sentiment_score":0.5353644490242004},{"text":"Sure.","start_word":3629,"end_word":3629,"sentiment":"neutral","sentiment_score":0.3278263211250305},{"text":"Yep. Perfect.","start_word":3630,"end_word":3631,"sentiment":"positive","sentiment_score":0.4908197522163391},{"text":"Do you guys have any other questions for me? Otherwise, before I kind of let you guys go and get on with your afternoon. I don't think so. Nothing. No? No? Yep.","start_word":3632,"end_word":3663,"sentiment":"neutral","sentiment_score":0.09906882047653198},{"text":"Perfect.","start_word":3664,"end_word":3664,"sentiment":"positive","sentiment_score":0.3823317289352417},{"text":"And I do also want to let you guys know, I don't know if I remembered it if I told you guys during the annual review or not, but just for a bit of a personal note, I will actually be going on maternity leave in about two weeks.","start_word":3665,"end_word":3713,"sentiment":"neutral","sentiment_score":0.11675434559583664},{"text":"Yes. I did tell you that's beautiful.","start_word":3714,"end_word":3720,"sentiment":"positive","sentiment_score":0.5388202667236328},{"text":"Sorry. I will probably next week send you guys an email, and that'll just be, like, a formal introduction to my colleague, Jenna, who will be taking Yes. over from me, I'm sorry, fine. while I'm away. So Yeah. if you do have any questions, you can just respond to her directly. If you forget and you just send it to me, that's all fine.","start_word":3721,"end_word":3785,"sentiment":"neutral","sentiment_score":0.11243385076522829},{"text":"It will be automatically redirected to her anyway, and you'll be in very capable hands with her, and she will look after you both. And then you I look forward to catching up with both of you while I'm back and see kind of what's happened. Well, I hope it all goes really, really well for you, and thank you for all your Thank you. class. Yeah. Thank you very much.","start_word":3786,"end_word":3856,"sentiment":"positive","sentiment_score":0.5005632638931274},{"text":"And, yeah, if there's anything you guys need in the next two weeks, so I'm still here, if you do have any questions, Otherwise, I'll keep a look after that document to see if that come through, and I will let the team know to go ahead with those changes. Yeah. Or if you decide that you don't want to, just let me know as well just so I can kind of keep an eye on things for you as Yep. well. Yep. Okay.","start_word":3857,"end_word":3940,"sentiment":"neutral","sentiment_score":0.17172080797276326},{"text":"Cool. Yep. Beautiful. No worries. Well, thank you so much, for both of your time this afternoon. I will let you get back to it.","start_word":3941,"end_word":3965,"sentiment":"positive","sentiment_score":0.6240400671958923},{"text":"And anything else you need, don't hesitate to give us a call. Okay? Okay.","start_word":3966,"end_word":3979,"sentiment":"neutral","sentiment_score":0.2261604219675064},{"text":"Thank you.","start_word":3980,"end_word":3981,"sentiment":"positive","sentiment_score":0.5822229385375977},{"text":"Okay. No worries. Speak soon. Bye.","start_word":3982,"end_word":3987,"sentiment":"neutral","sentiment_score":0.21006521582603457}],"average":{"sentiment":"neutral","sentiment_score":0.1737963244877366}}}}