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I had you booked in to kind of work through the research that I did for you in regards to your super investments and salary sacrifice. Is now still a good time for you? Yeah. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just to confirm I am speaking with the right person, I do have a password on file for you. Do you know who that might be? Yeah. Perfect. That's the one. And how's your day been so far? Been busy? Yeah. No. That's good. Now do you have access to your emails at the moment, Owen? Yep. Perfect. I've just sent it through, so it should come through shortly. It could end up in spam as well. Let me just check here. I said, this has been sent on my end, so it might just take a couple of minutes. Are you happy for me to kind of just start going through a couple of things, and then you just interrupt me as soon as it comes through? And if you haven't got it in five minutes, I'll just resend it and see if that works. Yep. Perfect. Now every time we do make a recommendation and give you personalized advice, we have to put everything in this statement of advice for you, which is the document you will see when your email does come through. Now it is 31 pages, so it is quite long. I won't go through all of it. It is pretty straightforward, but a lot of it is just for compliance purposes as well just to make sure you fully understand everything. Now on the cover page as well, you will see that this is tailored specifically for you, and you will also see my details on the cover page. You will see my authorized representative number listed there, and I am licensed under OPU Financial. It is also valid for sixty days. But if you do need some time to have a think about what you want to do, that is no problem. It is valid, like I said, for sixty days. If you need any more time than that, just let me know because I'll just have to reconfirm your information, and I can get it updated if it's free. Does that all make sense? Yep. Perfect. Now on page two, it talks a little bit about their best interest duty. Do you remember hearing about that before? No. That's okay. The best interest duty, do you remember hearing about that before? No. That's all good. Essentially, it outlines that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation. And if I don't act in your best interest, then I will lose my license. And if I lose my license, I will lose my job, and that might not be too good. So, essentially, there's a lot in place to protect you and make sure that we do everything for you, essentially. Has that still not come through yet? Alright. Let me see if I can resend it. Alright. So it says it's been recent. So I'll give it another little bit and see how that goes. Essentially, the statement of advisers, well, outlines a couple of pages talking about goals of advice. Basically, what that means is the areas we are looking at today. So it is pretty straightforward. The goal is just to review your superannuation, give you a bit of an update of where things are at at the moment, and then also kind of start planning for retirement to see if you, you know, are on track for everything and how things are going. And then also reviewing some of your investments, making sure they're all performing as they should or if we wanted to make any changes. Also looking at salary sacrificing about a $100 per month. To show you, we're not making any changes in regards to insurances. So it is pretty straightforward today. Does that all make sense? Yeah. Perfect. Now, again, when you do have a look through, you'll see a couple of pages, just some personalized information about you. Just have a bit of a read over it as well just to make sure that's all up to date. Otherwise, when it comes to your risk profile so there's a couple of pages talking about your risk profile as well. Now it shows you that when we did your risk profile questionnaire, you did come out as a growth investor, and we kind of agreed that what would be suitable for you at the moment is just to kind of keep you in a high growth portfolio. So we have increased that a little bit for you into a high growth because you do still have plenty of time with overtime and just take advantage of that. Does that all make sense? Perfect. Still nothing? Let me have let me have a bit of a look. It should definitely have come through by now. Let me just see if I can get someone else to try to send it if it's on my end. Alright. I'll try to get one of my colleagues to send it if there's, like, a little bit bug or anything on my side. But, otherwise, you're happy for me to kind of go through and keep going? It's not too too complex. Yeah. Perfect. Now what I have recommended first when it comes to your superannuation is I did a lot of research on your hub twenty four accounts as well, just making sure that is still going to be the best option for you. And after doing the research, it's still very much at least competitive. It's really competitive when it comes to, like, fees and features and investment choices. So I haven't recommended that we change your Superfund, just keeping you in Hub 24. But it is good to do a bit of an update every now and then just to make sure because there's always new features and products that comes out. Now when it comes through the how things are structured for your investments as well, I have recommended a little bit of a change. So do you remember receiving our newsletter at all recently? Talking about BlackRock by any chance? No? It's okay if you didn't. No. It's okay. Essentially, what it was is that we have recently teamed up with BlackRock. Have you heard of them before? They're quite big. Yep. So we recently teamed up with them and created our own SMA. So not self managed super fund and SMA, which is a self managed account. Have you ever heard of that before? No. So I have included a lot of information in the strategy for you, But, essentially, how it's different to how your current investments are structured. So it's still very similar in terms of the style of investments and how things are structured for you. But the main difference is basically how it's set up. So at the moment, we have your in what we would call, like, your model portfolio. And if we so, like, if you log in to Hub twenty four, you will see each and every single one of the investments. And if we want to go ahead and make a change, like, for example, the little underperformance with Benelon, we would obviously have to go and do the research. We would have to put everything together in the statement of advice similar to today and go through that with you, and then you would have to sign off on it before we can actually go and make a change when it comes to just the investment. So sometimes, obviously, that process can take a little bit longer. And sometimes with investments as well, you do wanna kind of be proactive and trying to act as quickly as you can as well because things do change on a daily. They do change pretty quickly. So the difference with the SMA is that, basically, you would be invested in, like, the the OQ BlackRock SMA. And within that SMA, you still have, you know, similar amount of different investments and diversification and everything like that that you have now. But the difference is that we could very quickly, in the back end, make changes to the individual investments without having to go through this whole research process and getting you to sign off on the document before we could go and make the change. Does that make sense? Yep. So it kind of eliminates a lot of that kind of, like, compliance, and we can do things a bit more quickly and proactively when it comes to chopping and changing investments as long as, obviously, it's still in your best interest. We always have to follow that and, obviously, doing all of research and everything. But it does mean that when there are a bit of fluctuations and stuff in the market, that we can very quickly go and make those changes. The other thing that's really good as well is that because we have teamed up with BlackRock, who are one of the largest investment managers in the world, we're obviously utilizing our investment committee along with this. So we can kind of combining all the knowledge and expertise together to create the the different investment portfolios, and they have pretty extensive research softwares as well when it comes to constructing all the the investments, essentially. So for you, I have recommended the SMA at this time. I did consider a lot of different options as well because I wanted to make sure that if the SMA was going to be the best for you. So I did consider a lot of other investment options, so not the SMA and just different portfolio constructions within Hub twenty four. But with the SMA, it was a little bit more competitive when it comes to the performance, but then also the fees. So how it is a little bit cheaper as well is that within hub twenty four, they basically have three different account types. So at the moment, we have you on the the the choice option, which is the most comprehensive option because that gives you access to all the different investment options. We with the SMA, it is available on, like, your middle or full I guess, your middle account. So it is a little bit cheaper because you don't have to pay as much in admin fee, but it does give you access through the the SMA. So, essentially, on an overview, by changing to the SMA when it comes to fees alone, it will save you about $500 a year in in fees alone, which is pretty good. Yeah. Have you still not received the document they're on? Yes. Let me have a look at that for you. So I have obrady@tpg.com.au. Yep. Yep. Exactly. Alright. Yeah. Sometimes it's usually when the weather's been playing up, it's been a bit slower, but it's it's season today. So I will keep resending it, and, hopefully, you're not gonna get just 20 different copies when they all come through. It's it's all the same one, so you can if if you do, you can just delay and just just do one. Alright. Perfect. Now let me just get this up here again. Now basically talking about the fees and everything, when it does decide to come through, it's page 16. So that one shows you in a, like, a bit of a fee comparison table how the recommendation is actually displayed, and it shows you a bit of a projection to five and ten years as well to show you the difference. And it also kinda give you a good kind of, assessment of where you are tracking and how things are at. Now what I have also done is kind of outlined everything in a lot more information for you so you can have a read over everything as well, especially with the estimate. So it's a bit more of a new new concept for you as well. And that is outlined from page 12 through through page 50. So it does outline the best interest duty again and how the recommendation does apply to acting in your best interest in comparison to a lot of the other investment options I did research for you. It also talks about the advantages, which a lot of it is the fee that I mentioned as well, but then also kind of that flexibility that allows us to do very quickly with the investments like I mentioned and then also utilizing BlackRock's expertise. One of the disadvantages as well is that by making investment changes, we do have to obviously sell down some of your investments. And if you are selling down some of grown, you do have to pay capital gains tax on it. So I've tried to minimize that as much as possible for you. And, obviously, it does kind of fluctuate on a daily. But when we did put it all together for you, it was a rough estimate of about $840 just so that you are aware. So it's not too bad, given you are saving above over 500 in fees alone. So pretty quickly, you can make up that change, but I do wanna let you know, that there will be some capital gains tax by making the changes. Any questions so far? No. Perfect. Now when it actually comes to then the performance as well. So we do use historical performance when we we project everything for you. So despite even kind of looking at the historical performance as well, it has still performed quite a lot better. So when we are looking at a three year period, So thinking as well we are reducing fees, it is about so your current one is about 12.11% using a three year rolling average, averaging it out over the last three years. And the recommended is a 13.47%. Now I've also then done a twelve month for you as well just to show you a bit more up to date. Obviously, there's a lot happening in the last twelve months, but then also kind of how its positioned moving forward. So in the last twelve months, current, it's about 12.03 before fees, and recommended is about 14.64. So, again, performing a little bit better. And the biggest thing as well is that even though we are increasing from growth to a high growth when it comes to how your money is allocated in terms of your defensive and your growth investments. The type of investments and stuff in the SMA as well have a lot lower kind of volatility than your current portfolio, which is good. So it should smooth things out a little bit more, and it's also kind of well positioned for everything that's going on with, you know, inflation and everything else in the world and stuff like that as well. Does that make sense? Yep. Beautiful. Now I have projected that forward for five and ten years to show you kind of the impact. And when we are looking at about a five year time frame, the difference is about 25,207, assuming, obviously, everything else kind of stays the same with insurances and stuff. So it is a pretty good difference. Perfect. Now when you do have a look at it as well, so on page 20, it actually shows you the asset allocation. So it shows you your high growth portfolio of about that $90.10 split, your existing portfolio, which sees about 78.53 in your growth investment, so a little bit lower. And then the proposed one is about 88.48. So a little bit higher allocation to those growth investments. We're trying to boost that through before you're in the long term because you still have plenty of time until retirement. Yep. Perfect. Now do you have any questions in regards to the SMA or the investments or or stuff before I move on to the salary sacrifice? Yep. Perfect. So I have shown you as well a bit of a difference on how the $100 per month contribution of salary sacrifice changes things for you. So on page 21, when you do receive it, it will show you your current position. The first, it breaks down your current salary, your taxable income, tax on taxable income, and then kind of the the net income after tax. It then shows on the other side, including salary sacrifice. So by salary sacrificing, 1,200 per year, it is reducing your take home pay by about 816 per year. Yeah? Now when it comes to contributions, so underneath that table, you will have your employee contributions from your employer, how that reflects after tax at the moment, and then the proposed situation, which is salary sacrificing that $100 per month, which shows you the difference in contributions of about 1,020. So on a net benefit, it still shows you that you're ahead by $204 if you're just looking by dollar value, which is still pretty good. But the biggest thing as well is that you'll have more money invested who will then grow and get those returns longer. So you'll obviously have more of a benefit, but at least in terms of just the difference in income and contributions, it still shows you that still by just doing a $100 per month as a starting point, it still gives you saves you a bit of tax and does boost your superannuation for you. Yeah. Now I have again outlined everything for you so you can have a read over it because sometimes if you can't see, it can be a lot, but I have outlined the advantages in regards to it. The biggest thing is, well, like I said, you have more money invested in your superannuation with going to compound and grow. Contributions is taxed concessionally at 15%, which is a lot less than your marginal tax rate. That's what makes the biggest difference. But, obviously, something to be mindful of is that the money you do put into superannuation, it will be locked in until you meet a condition of release. So for example, turning 60 and stop working. So that is kind of the biggest thing to consider, which I know as well is why you kind of wanted to start on a little bit smaller amount and see, obviously, how everything goes, and then we can always adjust it from there. Perfect. Obviously, a risk to be mindful of is that there's always a level of risk associated with any investment option, and, obviously, rules and legislation can change. So we obviously keep an eye on everything for you just to make sure nothing's changing, but you are quite far from the contribution cap at the moment, which is good. But you do have plenty of space to take advantage of the salary sacrifice for you. Yep. Now, basically, the last thing I do wanna touch with you there, Owen, is just the fee structure. So when it comes to the fee structure, like I mentioned in the last time we spoke, is that there's no changes in regards to the fee structure whatsoever. So it stays exactly the same at 1.65 from superannuation, but no changes whatsoever in regards to that, and it is not a lock in contract. So at any point in time, you are not happy, not a lock in contract. And if it is that you are happy and you wanted to go ahead with the recommendation today or when you do get the document and have a chance to have a read over it, again, there's no additional fees and charges. It's all part of that ongoing service for you. Yep. Now I have also then showed you the premium for your Clearview insurances when it comes to the remuneration because we do get commissions on insurances. And that is 22% of the total premium yearly. Now that is clear view to the insurer paying us. It is not you paying us. But for compliance purposes, we have to disclose it so you are fully aware, and it is the same for every single insurer out there. So, like, it doesn't weigh us in any way to recommend one provider over the other. Does that all make sense? Yep. Perfect. And that was simply everything today. So pretty straightforward. Now it does summarize everything again that I have recommended that you stay in Hub 24, but we change you to the SMA. We change you to that slightly cheaper product in Hub twenty four to save you a bit of fees, and then also looking at the salary sacrifice contribution into super for you. Now now just for your reference as well, so in the appendix, which is the second document when it does decide to come through, I have shown you what it looks like if you don't decide to go with the salary sacrifice just so you can see kind of more like apples to apples of the different recommendation as well. And so you also can see then the impact it has on if your salary sacrifice versus not salary sacrifice. Yeah. So that's all in the appendix for you. So, basically, from here is have a look through your inbox. I will check with as well. I haven't had anyone else had any issues with the documents, but I will triple check with them in case. If you haven't received anything by tomorrow, even just let me know, but I'll follow-up on my end because it should say that it's come through, and you should receive it very soon, if not already, which is a little bit strange. But maybe there's just, like, a bit of a glitch. So just let me know how you go. Obviously, hopefully, that comes through soon so you can have a read over it. When you can see it in front of you as well, if you do have any questions or anything because, obviously, you couldn't see it now. Just feel free to even give me a callback or send me an email, and I can always give you another quick call just to kind of go through anything. Otherwise, from here is yeah. Take your time. Have a read over it. If you do have a read over it and you are happy to go ahead with the recommendation to move forward, it would just be to sign those documents. So you will just add your signature and date automatically. That will then send it back to me, and that tells me that you are happy to go ahead with the recommendation. And then I will let the team know, and we can get started on that. Yeah. Perfect. Veronica. Yep. Perfect. Now do you have any other questions or anything else for me at this stage, otherwise, before I let you go there, Owen? No. Okay. Beautiful. Like I said, when you have a read through the documents, if there's anything you want to go through in a bit more detail, just let me know. But, otherwise, it is quite detailed. So take your time and have a read over everything just to make sure you understand everything, and let me know if you do have any questions. No problem. Well, thank you so much for your time today, and I look forward to speaking with you soon again. You too. 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afternoon. Is this Owen? This is Veronica from Acute Financial. How are you? Good.\n\nOh, good. Thanks. I had you booked in to kind of work through the research that I did for you in regards to your super investments and salary sacrifice. Is now still a good time for you? Yeah.\n\nPerfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just to confirm I am speaking with the right person, I do have a password on file for you. Do you know who that might be?\n\nYeah. Perfect. That's the one. And how's your day been so far? Been busy?\n\nYeah. No. That's good. Now do you have access to your emails at the moment, Owen? Yep.\n\nPerfect. I've just sent it through, so it should come through shortly. It could end up in spam as well. Let me just check here. I said, this has been sent on my end, so it might just take a couple of minutes.\n\nAre you happy for me to kind of just start going through a couple of things, and then you just interrupt me as soon as it comes through? And if you haven't got it in five minutes, I'll just resend it and see if that works. Yep. Perfect. Now every time we do make a recommendation and give you personalized advice, we have to put everything in this statement of advice for you, which is the document you will see when your email does come through.\n\nNow it is 31 pages, so it is quite long. I won't go through all of it. It is pretty straightforward, but a lot of it is just for compliance purposes as well just to make sure you fully understand everything. Now on the cover page as well, you will see that this is tailored specifically for you, and you will also see my details on the cover page. You will see my authorized representative number listed there, and I am licensed under OPU Financial.\n\nIt is also valid for sixty days. But if you do need some time to have a think about what you want to do, that is no problem. It is valid, like I said, for sixty days. If you need any more time than that, just let me know because I'll just have to reconfirm your information, and I can get it updated if it's free. Does that all make sense?\n\nYep. Perfect. Now on page two, it talks a little bit about their best interest duty. Do you remember hearing about that before? No.\n\nThat's okay. The best interest duty, do you remember hearing about that before? No. That's all good. Essentially, it outlines that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice.\n\nOtherwise, we can't actually make the recommendation. And if I don't act in your best interest, then I will lose my license. And if I lose my license, I will lose my job, and that might not be too good. So, essentially, there's a lot in place to protect you and make sure that we do everything for you, essentially. Has that still not come through yet?\n\nAlright. Let me see if I can resend it. Alright. So it says it's been recent. So I'll give it another little bit and see how that goes.\n\nEssentially, the statement of advisers, well, outlines a couple of pages talking about goals of advice. Basically, what that means is the areas we are looking at today. So it is pretty straightforward. The goal is just to review your superannuation, give you a bit of an update of where things are at at the moment, and then also kind of start planning for retirement to see if you, you know, are on track for everything and how things are going. And then also reviewing some of your investments, making sure they're all performing as they should or if we wanted to make any changes.\n\nAlso looking at salary sacrificing about a $100 per month. To show you, we're not making any changes in regards to insurances. So it is pretty straightforward today. Does that all make sense? Yeah.\n\nPerfect. Now, again, when you do have a look through, you'll see a couple of pages, just some personalized information about you. Just have a bit of a read over it as well just to make sure that's all up to date. Otherwise, when it comes to your risk profile so there's a couple of pages talking about your risk profile as well. Now it shows you that when we did your risk profile questionnaire, you did come out as a growth investor, and we kind of agreed that what would be suitable for you at the moment is just to kind of keep you in a high growth portfolio.\n\nSo we have increased that a little bit for you into a high growth because you do still have plenty of time with overtime and just take advantage of that. Does that all make sense? Perfect. Still nothing? Let me have let me have a bit of a look.\n\nIt should definitely have come through by now. Let me just see if I can get someone else to try to send it if it's on my end. Alright. I'll try to get one of my colleagues to send it if there's, like, a little bit bug or anything on my side. But, otherwise, you're happy for me to kind of go through and keep going?\n\nIt's not too too complex. Yeah. Perfect. Now what I have recommended first when it comes to your superannuation is I did a lot of research on your hub twenty four accounts as well, just making sure that is still going to be the best option for you. And after doing the research, it's still very much at least competitive.\n\nIt's really competitive when it comes to, like, fees and features and investment choices. So I haven't recommended that we change your Superfund, just keeping you in Hub 24. But it is good to do a bit of an update every now and then just to make sure because there's always new features and products that comes out. Now when it comes through the how things are structured for your investments as well, I have recommended a little bit of a change. So do you remember receiving our newsletter at all recently?\n\nTalking about BlackRock by any chance? No? It's okay if you didn't. No. It's okay.\n\nEssentially, what it was is that we have recently teamed up with BlackRock. Have you heard of them before? They're quite big. Yep. So we recently teamed up with them and created our own SMA.\n\nSo not self managed super fund and SMA, which is a self managed account. Have you ever heard of that before? No. So I have included a lot of information in the strategy for you, But, essentially, how it's different to how your current investments are structured. So it's still very similar in terms of the style of investments and how things are structured for you.\n\nBut the main difference is basically how it's set up. So at the moment, we have your in what we would call, like, your model portfolio. And if we so, like, if you log in to Hub twenty four, you will see each and every single one of the investments. And if we want to go ahead and make a change, like, for example, the little underperformance with Benelon, we would obviously have to go and do the research. We would have to put everything together in the statement of advice similar to today and go through that with you, and then you would have to sign off on it before we can actually go and make a change when it comes to just the investment.\n\nSo sometimes, obviously, that process can take a little bit longer. And sometimes with investments as well, you do wanna kind of be proactive and trying to act as quickly as you can as well because things do change on a daily. They do change pretty quickly. So the difference with the SMA is that, basically, you would be invested in, like, the the OQ BlackRock SMA. And within that SMA, you still have, you know, similar amount of different investments and diversification and everything like that that you have now.\n\nBut the difference is that we could very quickly, in the back end, make changes to the individual investments without having to go through this whole research process and getting you to sign off on the document before we could go and make the change. Does that make sense? Yep. So it kind of eliminates a lot of that kind of, like, compliance, and we can do things a bit more quickly and proactively when it comes to chopping and changing investments as long as, obviously, it's still in your best interest. We always have to follow that and, obviously, doing all of research and everything.\n\nBut it does mean that when there are a bit of fluctuations and stuff in the market, that we can very quickly go and make those changes. The other thing that's really good as well is that because we have teamed up with BlackRock, who are one of the largest investment managers in the world, we're obviously utilizing our investment committee along with this. So we can kind of combining all the knowledge and expertise together to create the the different investment portfolios, and they have pretty extensive research softwares as well when it comes to constructing all the the investments, essentially. So for you, I have recommended the SMA at this time. I did consider a lot of different options as well because I wanted to make sure that if the SMA was going to be the best for you.\n\nSo I did consider a lot of other investment options, so not the SMA and just different portfolio constructions within Hub twenty four. But with the SMA, it was a little bit more competitive when it comes to the performance, but then also the fees. So how it is a little bit cheaper as well is that within hub twenty four, they basically have three different account types. So at the moment, we have you on the the the choice option, which is the most comprehensive option because that gives you access to all the different investment options. We with the SMA, it is available on, like, your middle or full I guess, your middle account.\n\nSo it is a little bit cheaper because you don't have to pay as much in admin fee, but it does give you access through the the SMA. So, essentially, on an overview, by changing to the SMA when it comes to fees alone, it will save you about $500 a year in in fees alone, which is pretty good. Yeah. Have you still not received the document they're on? Yes.\n\nLet me have a look at that for you. So I have obrady@tpg.com.au. Yep. Yep. Exactly.\n\nAlright. Yeah. Sometimes it's usually when the weather's been playing up, it's been a bit slower, but it's it's season today. So I will keep resending it, and, hopefully, you're not gonna get just 20 different copies when they all come through. It's it's all the same one, so you can if if you do, you can just delay and just just do one.\n\nAlright. Perfect. Now let me just get this up here again. Now basically talking about the fees and everything, when it does decide to come through, it's page 16. So that one shows you in a, like, a bit of a fee comparison table how the recommendation is actually displayed, and it shows you a bit of a projection to five and ten years as well to show you the difference.\n\nAnd it also kinda give you a good kind of, assessment of where you are tracking and how things are at. Now what I have also done is kind of outlined everything in a lot more information for you so you can have a read over everything as well, especially with the estimate. So it's a bit more of a new new concept for you as well. And that is outlined from page 12 through through page 50. So it does outline the best interest duty again and how the recommendation does apply to acting in your best interest in comparison to a lot of the other investment options I did research for you.\n\nIt also talks about the advantages, which a lot of it is the fee that I mentioned as well, but then also kind of that flexibility that allows us to do very quickly with the investments like I mentioned and then also utilizing BlackRock's expertise. One of the disadvantages as well is that by making investment changes, we do have to obviously sell down some of your investments. And if you are selling down some of grown, you do have to pay capital gains tax on it. So I've tried to minimize that as much as possible for you. And, obviously, it does kind of fluctuate on a daily.\n\nBut when we did put it all together for you, it was a rough estimate of about $840 just so that you are aware. So it's not too bad, given you are saving above over 500 in fees alone. So pretty quickly, you can make up that change, but I do wanna let you know, that there will be some capital gains tax by making the changes. Any questions so far? No.\n\nPerfect. Now when it actually comes to then the performance as well. So we do use historical performance when we we project everything for you. So despite even kind of looking at the historical performance as well, it has still performed quite a lot better. So when we are looking at a three year period, So thinking as well we are reducing fees, it is about so your current one is about 12.11% using a three year rolling average, averaging it out over the last three years.\n\nAnd the recommended is a 13.47%. Now I've also then done a twelve month for you as well just to show you a bit more up to date. Obviously, there's a lot happening in the last twelve months, but then also kind of how its positioned moving forward. So in the last twelve months, current, it's about 12.03 before fees, and recommended is about 14.64. So, again, performing a little bit better.\n\nAnd the biggest thing as well is that even though we are increasing from growth to a high growth when it comes to how your money is allocated in terms of your defensive and your growth investments. The type of investments and stuff in the SMA as well have a lot lower kind of volatility than your current portfolio, which is good. So it should smooth things out a little bit more, and it's also kind of well positioned for everything that's going on with, you know, inflation and everything else in the world and stuff like that as well. Does that make sense? Yep.\n\nBeautiful. Now I have projected that forward for five and ten years to show you kind of the impact. And when we are looking at about a five year time frame, the difference is about 25,207, assuming, obviously, everything else kind of stays the same with insurances and stuff. So it is a pretty good difference. Perfect.\n\nNow when you do have a look at it as well, so on page 20, it actually shows you the asset allocation. So it shows you your high growth portfolio of about that $90.10 split, your existing portfolio, which sees about 78.53 in your growth investment, so a little bit lower. And then the proposed one is about 88.48. So a little bit higher allocation to those growth investments. We're trying to boost that through before you're in the long term because you still have plenty of time until retirement.\n\nYep. Perfect. Now do you have any questions in regards to the SMA or the investments or or stuff before I move on to the salary sacrifice? Yep. Perfect.\n\nSo I have shown you as well a bit of a difference on how the $100 per month contribution of salary sacrifice changes things for you. So on page 21, when you do receive it, it will show you your current position. The first, it breaks down your current salary, your taxable income, tax on taxable income, and then kind of the the net income after tax. It then shows on the other side, including salary sacrifice. So by salary sacrificing, 1,200 per year, it is reducing your take home pay by about 816 per year.\n\nYeah? Now when it comes to contributions, so underneath that table, you will have your employee contributions from your employer, how that reflects after tax at the moment, and then the proposed situation, which is salary sacrificing that $100 per month, which shows you the difference in contributions of about 1,020. So on a net benefit, it still shows you that you're ahead by $204 if you're just looking by dollar value, which is still pretty good. But the biggest thing as well is that you'll have more money invested who will then grow and get those returns longer. So you'll obviously have more of a benefit, but at least in terms of just the difference in income and contributions, it still shows you that still by just doing a $100 per month as a starting point, it still gives you saves you a bit of tax and does boost your superannuation for you.\n\nYeah. Now I have again outlined everything for you so you can have a read over it because sometimes if you can't see, it can be a lot, but I have outlined the advantages in regards to it. The biggest thing is, well, like I said, you have more money invested in your superannuation with going to compound and grow. Contributions is taxed concessionally at 15%, which is a lot less than your marginal tax rate. That's what makes the biggest difference.\n\nBut, obviously, something to be mindful of is that the money you do put into superannuation, it will be locked in until you meet a condition of release. So for example, turning 60 and stop working. So that is kind of the biggest thing to consider, which I know as well is why you kind of wanted to start on a little bit smaller amount and see, obviously, how everything goes, and then we can always adjust it from there. Perfect. Obviously, a risk to be mindful of is that there's always a level of risk associated with any investment option, and, obviously, rules and legislation can change.\n\nSo we obviously keep an eye on everything for you just to make sure nothing's changing, but you are quite far from the contribution cap at the moment, which is good. But you do have plenty of space to take advantage of the salary sacrifice for you. Yep. Now, basically, the last thing I do wanna touch with you there, Owen, is just the fee structure. So when it comes to the fee structure, like I mentioned in the last time we spoke, is that there's no changes in regards to the fee structure whatsoever.\n\nSo it stays exactly the same at 1.65 from superannuation, but no changes whatsoever in regards to that, and it is not a lock in contract. So at any point in time, you are not happy, not a lock in contract. And if it is that you are happy and you wanted to go ahead with the recommendation today or when you do get the document and have a chance to have a read over it, again, there's no additional fees and charges. It's all part of that ongoing service for you. Yep.\n\nNow I have also then showed you the premium for your Clearview insurances when it comes to the remuneration because we do get commissions on insurances. And that is 22% of the total premium yearly. Now that is clear view to the insurer paying us. It is not you paying us. But for compliance purposes, we have to disclose it so you are fully aware, and it is the same for every single insurer out there.\n\nSo, like, it doesn't weigh us in any way to recommend one provider over the other. Does that all make sense? Yep. Perfect. And that was simply everything today.\n\nSo pretty straightforward. Now it does summarize everything again that I have recommended that you stay in Hub 24, but we change you to the SMA. We change you to that slightly cheaper product in Hub twenty four to save you a bit of fees, and then also looking at the salary sacrifice contribution into super for you. Now now just for your reference as well, so in the appendix, which is the second document when it does decide to come through, I have shown you what it looks like if you don't decide to go with the salary sacrifice just so you can see kind of more like apples to apples of the different recommendation as well. And so you also can see then the impact it has on if your salary sacrifice versus not salary sacrifice.\n\nYeah. So that's all in the appendix for you. So, basically, from here is have a look through your inbox. I will check with as well. I haven't had anyone else had any issues with the documents, but I will triple check with them in case.\n\nIf you haven't received anything by tomorrow, even just let me know, but I'll follow-up on my end because it should say that it's come through, and you should receive it very soon, if not already, which is a little bit strange. But maybe there's just, like, a bit of a glitch. So just let me know how you go. Obviously, hopefully, that comes through soon so you can have a read over it. When you can see it in front of you as well, if you do have any questions or anything because, obviously, you couldn't see it now.\n\nJust feel free to even give me a callback or send me an email, and I can always give you another quick call just to kind of go through anything. Otherwise, from here is yeah. Take your time. Have a read over it. If you do have a read over it and you are happy to go ahead with the recommendation to move forward, it would just be to sign those documents.\n\nSo you will just add your signature and date automatically. That will then send it back to me, and that tells me that you are happy to go ahead with the recommendation. And then I will let the team know, and we can get started on that. Yeah. Perfect.\n\nVeronica. Yep. Perfect. Now do you have any other questions or anything else for me at this stage, otherwise, before I let you go there, Owen? No.\n\nOkay. Beautiful. Like I said, when you have a read through the documents, if there's anything you want to go through in a bit more detail, just let me know. But, otherwise, it is quite detailed. So take your time and have a read over everything just to make sure you understand everything, and let me know if you do have any questions.\n\nNo problem. Well, thank you so much for your time today, and I look forward to speaking with you soon again. You too. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":1.8399999,"end":2.56,"sentiment":"neutral","sentiment_score":0.27180004119873047},{"text":"Is this Owen?","start":2.56,"end":3.46,"sentiment":"neutral","sentiment_score":0.141929030418396},{"text":"This is Veronica from Acute Financial.","start":4.64,"end":6.66,"sentiment":"neutral","sentiment_score":0.21536833544572195},{"text":"How are you?","start":6.7999997,"end":7.62,"sentiment":"neutral","sentiment_score":0.24308554331461588},{"text":"Good.","start":8.96,"end":9.44,"sentiment":"positive","sentiment_score":0.48243042826652527}],"sentiment":"neutral","sentiment_score":0.2315522829691569,"num_words":15,"start":1.8399999,"end":9.44},{"sentences":[{"text":"Oh, good.","start":9.44,"end":9.92,"sentiment":"positive","sentiment_score":0.5668022632598877},{"text":"Thanks.","start":9.92,"end":10.42,"sentiment":"positive","sentiment_score":0.6624835729598999},{"text":"I had you booked in to kind of work through the research that I did for you in regards to your super investments and salary sacrifice.","start":11.44,"end":18.895,"sentiment":"neutral","sentiment_score":0.30606531924926317},{"text":"Is now still a good time for you?","start":19.035,"end":20.654999,"sentiment":"neutral","sentiment_score":0.3057594671845436},{"text":"Yeah.","start":21.994999,"end":22.494999,"sentiment":"neutral","sentiment_score":0.21328812837600708}],"sentiment":"neutral","sentiment_score":0.3266618491003388,"num_words":38,"start":9.44,"end":22.494999},{"sentences":[{"text":"Perfect.","start":22.555,"end":23.055,"sentiment":"positive","sentiment_score":0.39685893058776855},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":23.435,"end":30.974998,"sentiment":"neutral","sentiment_score":0.04819299845859922},{"text":"Perfect.","start":32.75,"end":33.25,"sentiment":"positive","sentiment_score":0.362952172756195},{"text":"And just to confirm I am speaking with the right person, I do have a password on file for you.","start":33.31,"end":38.11,"sentiment":"neutral","sentiment_score":0.15051769763231276},{"text":"Do you know who that might be?","start":38.11,"end":39.65,"sentiment":"neutral","sentiment_score":0.015454331945095743}],"sentiment":"neutral","sentiment_score":0.09096452301560805,"num_words":58,"start":22.555,"end":39.65},{"sentences":[{"text":"Yeah.","start":40.11,"end":40.51,"sentiment":"neutral","sentiment_score":0.1063758060336113},{"text":"Perfect.","start":40.51,"end":41.01,"sentiment":"positive","sentiment_score":0.3420674800872803},{"text":"That's the one.","start":41.07,"end":41.97,"sentiment":"neutral","sentiment_score":0.311648964881897},{"text":"And how's your day been so far?","start":42.35,"end":43.95,"sentiment":"neutral","sentiment_score":0.14034055492707662},{"text":"Been busy?","start":43.95,"end":44.77,"sentiment":"neutral","sentiment_score":0.026169697754085064}],"sentiment":"neutral","sentiment_score":0.17272239005459206,"num_words":14,"start":40.11,"end":44.77},{"sentences":[{"text":"Yeah.","start":46.415,"end":46.915,"sentiment":"neutral","sentiment_score":0.08028340339660645},{"text":"No.","start":47.215,"end":47.455,"sentiment":"neutral","sentiment_score":0.007126335054636002},{"text":"That's good.","start":47.455,"end":48.435,"sentiment":"neutral","sentiment_score":0.16316136717796326},{"text":"Now do you have access to your emails at the moment, Owen?","start":49.615,"end":52.435,"sentiment":"neutral","sentiment_score":0.019418845729281504},{"text":"Yep.","start":54.335,"end":54.655,"sentiment":"neutral","sentiment_score":0.08109903335571289}],"sentiment":"neutral","sentiment_score":0.04281515617142705,"num_words":17,"start":46.415,"end":54.655},{"sentences":[{"text":"Perfect.","start":54.655,"end":55.155,"sentiment":"neutral","sentiment_score":0.24245071411132812},{"text":"I've just sent it through, so it should come through shortly.","start":55.215,"end":57.875,"sentiment":"neutral","sentiment_score":0.11402856795625253},{"text":"It could end up in spam as well.","start":88.78,"end":90.71999,"sentiment":"negative","sentiment_score":-0.5001707337796688},{"text":"Let me just check here.","start":94.954994,"end":96.73499,"sentiment":"neutral","sentiment_score":-0.024478347972035408},{"text":"I said, this has been sent on my end, so it might just take a couple of minutes.","start":100.23499,"end":104.335,"sentiment":"neutral","sentiment_score":-0.002843123964137501}],"sentiment":"neutral","sentiment_score":-0.06228299720516039,"num_words":43,"start":54.655,"end":104.335},{"sentences":[{"text":"Are you happy for me to kind of just start going through a couple of things, and then you just interrupt me as soon as it comes through?","start":105.59499,"end":112.96,"sentiment":"neutral","sentiment_score":0.05840706785342523},{"text":"And if you haven't got it in five minutes, I'll just resend it and see if that works.","start":112.96,"end":117.14,"sentiment":"neutral","sentiment_score":0.03511953240053521},{"text":"Yep.","start":118.079994,"end":118.56,"sentiment":"neutral","sentiment_score":0.16205468773841858},{"text":"Perfect.","start":118.56,"end":119.06,"sentiment":"positive","sentiment_score":0.34391358494758606},{"text":"Now every time we do make a recommendation and give you personalized advice, we have to put everything in this statement of advice for you, which is the document you will see when your email does come through.","start":120.495,"end":131.315,"sentiment":"neutral","sentiment_score":0.19437127972119733}],"sentiment":"neutral","sentiment_score":0.11813519052554701,"num_words":86,"start":105.59499,"end":131.315},{"sentences":[{"text":"Now it is 31 pages, so it is quite long.","start":132.51001,"end":135.39,"sentiment":"neutral","sentiment_score":-0.07778189517557621},{"text":"I won't go through all of it.","start":135.39,"end":136.93001,"sentiment":"neutral","sentiment_score":-0.05990451627543995},{"text":"It is pretty straightforward, but a lot of it is just for compliance purposes as well just to make sure you fully understand everything.","start":137.39,"end":144.69,"sentiment":"neutral","sentiment_score":0.05330352500701944},{"text":"Now on the cover page as well, you will see that this is tailored specifically for you, and you will also see my details on the cover page.","start":146.315,"end":154.815,"sentiment":"neutral","sentiment_score":0.17642305631722724},{"text":"You will see my authorized representative number listed there, and I am licensed under OPU Financial.","start":155.195,"end":161.34,"sentiment":"neutral","sentiment_score":0.1704047080129385}],"sentiment":"neutral","sentiment_score":0.09115829340675298,"num_words":85,"start":132.51001,"end":161.34},{"sentences":[{"text":"It is also valid for sixty days.","start":162.51999,"end":164.93999,"sentiment":"neutral","sentiment_score":0.21730104514530726},{"text":"But if you do need some time to have a think about what you want to do, that is no problem.","start":165.23999,"end":170.12,"sentiment":"neutral","sentiment_score":0.2532574860822587},{"text":"It is valid, like I said, for sixty days.","start":170.12,"end":172.62,"sentiment":"neutral","sentiment_score":0.29134350683954024},{"text":"If you need any more time than that, just let me know because I'll just have to reconfirm your information, and I can get it updated if it's free.","start":172.985,"end":180.185,"sentiment":"neutral","sentiment_score":0.23963797246587687},{"text":"Does that all make sense?","start":180.185,"end":181.325,"sentiment":"neutral","sentiment_score":0.17002972662448884}],"sentiment":"neutral","sentiment_score":0.2431162805624411,"num_words":71,"start":162.51999,"end":181.325},{"sentences":[{"text":"Yep.","start":182.425,"end":182.925,"sentiment":"neutral","sentiment_score":0.3062509298324585},{"text":"Perfect.","start":182.985,"end":183.485,"sentiment":"positive","sentiment_score":0.5292083621025085},{"text":"Now on page two, it talks a little bit about their best interest duty.","start":184.425,"end":189.65001,"sentiment":"neutral","sentiment_score":0.1611625121108123},{"text":"Do you remember hearing about that before?","start":189.65001,"end":191.67,"sentiment":"neutral","sentiment_score":0.048069530831915994},{"text":"No.","start":195.81,"end":196.13,"sentiment":"neutral","sentiment_score":-0.07752232253551483}],"sentiment":"neutral","sentiment_score":0.13961245228225985,"num_words":24,"start":182.425,"end":196.13},{"sentences":[{"text":"That's okay.","start":196.13,"end":196.87001,"sentiment":"neutral","sentiment_score":-0.01926007680594921},{"text":"The best interest duty, do you remember hearing about that before?","start":197.57,"end":201.03,"sentiment":"neutral","sentiment_score":0.026996297931129284},{"text":"No.","start":203.805,"end":204.045,"sentiment":"neutral","sentiment_score":-0.14447252452373505},{"text":"That's all good.","start":204.045,"end":205.105,"sentiment":"neutral","sentiment_score":0.10005550334850948},{"text":"Essentially, it outlines that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a result of the advice.","start":205.805,"end":215.905,"sentiment":"neutral","sentiment_score":0.011546103565981894}],"sentiment":"neutral","sentiment_score":0.015903090536594392,"num_words":50,"start":196.13,"end":215.905},{"sentences":[{"text":"Otherwise, we can't actually make the recommendation.","start":216.25,"end":218.19,"sentiment":"neutral","sentiment_score":-0.31194097868033815},{"text":"And if I don't act in your best interest, then I will lose my license.","start":219.12999,"end":222.89,"sentiment":"negative","sentiment_score":-0.5130991478761037},{"text":"And if I lose my license, I will lose my job, and that might not be too good.","start":222.89,"end":226.91,"sentiment":"negative","sentiment_score":-0.508555026517974},{"text":"So, essentially, there's a lot in place to protect you and make sure that we do everything for you, essentially.","start":226.97,"end":232.735,"sentiment":"neutral","sentiment_score":0.31254464834928514},{"text":"Has that still not come through yet?","start":234.395,"end":236.255,"sentiment":"neutral","sentiment_score":-0.07629574622426714}],"sentiment":"neutral","sentiment_score":-0.19876480302703914,"num_words":67,"start":216.25,"end":236.255},{"sentences":[{"text":"Alright.","start":238.55501,"end":238.875,"sentiment":"neutral","sentiment_score":-0.05162070319056511},{"text":"Let me see if I can resend it.","start":238.875,"end":242.255,"sentiment":"neutral","sentiment_score":-0.06737514468841255},{"text":"Alright.","start":255.30501,"end":255.54501,"sentiment":"neutral","sentiment_score":0.013617086224257946},{"text":"So it says it's been recent.","start":255.54501,"end":256.845,"sentiment":"neutral","sentiment_score":-0.0020253056039412818},{"text":"So I'll give it another little bit and see how that goes.","start":257.065,"end":260.685,"sentiment":"neutral","sentiment_score":0.08723095990717411}],"sentiment":"neutral","sentiment_score":0.01634338967102979,"num_words":28,"start":238.55501,"end":260.685},{"sentences":[{"text":"Essentially, the statement of advisers, well, outlines a couple of pages talking about goals of advice.","start":262.345,"end":270.525,"sentiment":"neutral","sentiment_score":0.13949391758069396},{"text":"Basically, what that means is the areas we are looking at today.","start":271.68,"end":274.98,"sentiment":"neutral","sentiment_score":0.17146318592131138},{"text":"So it is pretty straightforward.","start":275.44,"end":276.98,"sentiment":"neutral","sentiment_score":0.2849526692181826},{"text":"The goal is just to review your superannuation, give you a bit of an update of where things are at at the moment, and then also kind of start planning for retirement to see if you, you know, are on track for everything and how things are going.","start":277.2,"end":291.095,"sentiment":"neutral","sentiment_score":0.2561408194402854},{"text":"And then also reviewing some of your investments, making sure they're all performing as they should or if we wanted to make any changes.","start":291.095,"end":299.11502,"sentiment":"neutral","sentiment_score":0.1559591700012485}],"sentiment":"neutral","sentiment_score":0.20716193972953728,"num_words":105,"start":262.345,"end":299.11502},{"sentences":[{"text":"Also looking at salary sacrificing about a $100 per month.","start":300.41998,"end":304.36,"sentiment":"neutral","sentiment_score":0.004158896952867508},{"text":"To show you, we're not making any changes in regards to insurances.","start":304.81998,"end":309.31998,"sentiment":"neutral","sentiment_score":-0.06878770472637068},{"text":"So it is pretty straightforward today.","start":311.38,"end":313.06,"sentiment":"neutral","sentiment_score":0.23850207527478537},{"text":"Does that all make sense?","start":313.06,"end":314.28,"sentiment":"neutral","sentiment_score":0.1525979980826378},{"text":"Yeah.","start":315.545,"end":316.025,"sentiment":"neutral","sentiment_score":0.31230300664901733}],"sentiment":"neutral","sentiment_score":0.05066005769185722,"num_words":34,"start":300.41998,"end":316.025},{"sentences":[{"text":"Perfect.","start":316.025,"end":316.525,"sentiment":"positive","sentiment_score":0.6309139728546143},{"text":"Now, again, when you do have a look through, you'll see a couple of pages, just some personalized information about you.","start":317.625,"end":323.14502,"sentiment":"positive","sentiment_score":0.35572916978881475},{"text":"Just have a bit of a read over it as well just to make sure that's all up to date.","start":323.14502,"end":328.045,"sentiment":"neutral","sentiment_score":0.3026298969984055},{"text":"Otherwise, when it comes to your risk profile so there's a couple of pages talking about your risk profile as well.","start":329.25,"end":336.79,"sentiment":"neutral","sentiment_score":0.1317248677923566},{"text":"Now it shows you that when we did your risk profile questionnaire, you did come out as a growth investor, and we kind of agreed that what would be suitable for you at the moment is just to kind of keep you in a high growth portfolio.","start":338.29,"end":354.13498,"sentiment":"neutral","sentiment_score":0.30346497703105846}],"sentiment":"neutral","sentiment_score":0.28348091474988246,"num_words":110,"start":316.025,"end":354.13498},{"sentences":[{"text":"So we have increased that a little bit for you into a high growth because you do still have plenty of time with overtime and just take advantage of that.","start":354.35498,"end":362.84,"sentiment":"positive","sentiment_score":0.4122943490743637},{"text":"Does that all make sense?","start":362.84,"end":364.06,"sentiment":"neutral","sentiment_score":0.19819322228431702},{"text":"Perfect.","start":365.71997,"end":366.21997,"sentiment":"neutral","sentiment_score":0.27509161829948425},{"text":"Still nothing?","start":366.43997,"end":367.25998,"sentiment":"neutral","sentiment_score":-0.029288016259670258},{"text":"Let me have let me have a bit of a look.","start":370.025,"end":372.26498,"sentiment":"neutral","sentiment_score":0.07574402405457063}],"sentiment":"neutral","sentiment_score":0.29407135579659016,"num_words":49,"start":354.35498,"end":372.26498},{"sentences":[{"text":"It should definitely have come through by now.","start":372.26498,"end":374.60498,"sentiment":"neutral","sentiment_score":0.30092322267591953},{"text":"Let me just see if I can get someone else to try to send it if it's on my end.","start":376.66498,"end":380.445,"sentiment":"neutral","sentiment_score":0.059321376122534276},{"text":"Alright.","start":412.44,"end":412.75998,"sentiment":"neutral","sentiment_score":0.18610677123069763},{"text":"I'll try to get one of my colleagues to send it if there's, like, a little bit bug or anything on my side.","start":412.75998,"end":419.58,"sentiment":"neutral","sentiment_score":0.09229506714188535},{"text":"But, otherwise, you're happy for me to kind of go through and keep going?","start":420.695,"end":424.135,"sentiment":"positive","sentiment_score":0.38004444326673237}],"sentiment":"neutral","sentiment_score":0.17005043674373266,"num_words":66,"start":372.26498,"end":424.135},{"sentences":[{"text":"It's not too too complex.","start":424.135,"end":426.295,"sentiment":"neutral","sentiment_score":-0.1725103545933962},{"text":"Yeah.","start":426.295,"end":426.615,"sentiment":"neutral","sentiment_score":0.09276073426008224},{"text":"Perfect.","start":426.615,"end":427.115,"sentiment":"positive","sentiment_score":0.35072141885757446},{"text":"Now what I have recommended first when it comes to your superannuation is I did a lot of research on your hub twenty four accounts as well, just making sure that is still going to be the best option for you.","start":428.135,"end":442.72,"sentiment":"neutral","sentiment_score":0.22069171039251292},{"text":"And after doing the research, it's still very much at least competitive.","start":442.78,"end":447.28,"sentiment":"neutral","sentiment_score":0.2411032405992349}],"sentiment":"neutral","sentiment_score":0.19204215655724208,"num_words":60,"start":424.135,"end":447.28},{"sentences":[{"text":"It's really competitive when it comes to, like, fees and features and investment choices.","start":448.755,"end":453.17502,"sentiment":"positive","sentiment_score":0.43917985260486603},{"text":"So I haven't recommended that we change your Superfund, just keeping you in Hub 24.","start":454.035,"end":458.755,"sentiment":"neutral","sentiment_score":0.024298667907714844},{"text":"But it is good to do a bit of an update every now and then just to make sure because there's always new features and products that comes out.","start":458.755,"end":465.31,"sentiment":"positive","sentiment_score":0.4264288781018093},{"text":"Now when it comes through the how things are structured for your investments as well, I have recommended a little bit of a change.","start":466.72998,"end":474.99,"sentiment":"neutral","sentiment_score":0.15302947132537761},{"text":"So do you remember receiving our newsletter at all recently?","start":475.69,"end":484.905,"sentiment":"neutral","sentiment_score":0.05355038829147816}],"sentiment":"neutral","sentiment_score":0.25095268059521914,"num_words":92,"start":448.755,"end":484.905},{"sentences":[{"text":"Talking about BlackRock by any chance?","start":488.725,"end":491.065,"sentiment":"neutral","sentiment_score":0.0036034566971162954},{"text":"No?","start":491.365,"end":491.865,"sentiment":"neutral","sentiment_score":-0.05902213603258133},{"text":"It's okay if you didn't.","start":492.44,"end":493.82,"sentiment":"neutral","sentiment_score":-0.055319102853536604},{"text":"No.","start":496.52002,"end":496.76,"sentiment":"neutral","sentiment_score":-0.06127248704433441},{"text":"It's okay.","start":496.76,"end":497.5,"sentiment":"neutral","sentiment_score":0.006326748989522457}],"sentiment":"neutral","sentiment_score":-0.02417439327885707,"num_words":15,"start":488.725,"end":497.5},{"sentences":[{"text":"Essentially, what it was is that we have recently teamed up with BlackRock.","start":499.80002,"end":504.78,"sentiment":"neutral","sentiment_score":0.04429016491541496},{"text":"Have you heard of them before?","start":504.92,"end":506.30002,"sentiment":"neutral","sentiment_score":0.02008393593132496},{"text":"They're quite big.","start":506.715,"end":507.695,"sentiment":"neutral","sentiment_score":0.04782757659753164},{"text":"Yep.","start":508.475,"end":508.975,"sentiment":"neutral","sentiment_score":0.07833527028560638},{"text":"So we recently teamed up with them and created our own SMA.","start":510.155,"end":515.295,"sentiment":"neutral","sentiment_score":0.12684883549809456}],"sentiment":"neutral","sentiment_score":0.0697222795869623,"num_words":35,"start":499.80002,"end":515.295},{"sentences":[{"text":"So not self managed super fund and SMA, which is a self managed account.","start":515.755,"end":522.0,"sentiment":"neutral","sentiment_score":0.0430123790034226},{"text":"Have you ever heard of that before?","start":522.0,"end":523.45996,"sentiment":"neutral","sentiment_score":0.02180287428200245},{"text":"No.","start":524.72,"end":525.22,"sentiment":"neutral","sentiment_score":-0.07991931587457657},{"text":"So I have included a lot of information in the strategy for you, But, essentially, how it's different to how your current investments are structured.","start":525.51996,"end":536.585,"sentiment":"neutral","sentiment_score":0.021583504676818847},{"text":"So it's still very similar in terms of the style of investments and how things are structured for you.","start":536.585,"end":541.805,"sentiment":"neutral","sentiment_score":0.10540391387123811}],"sentiment":"neutral","sentiment_score":0.04874448622153564,"num_words":66,"start":515.755,"end":541.805},{"sentences":[{"text":"But the main difference is basically how it's set up.","start":542.265,"end":545.81,"sentiment":"neutral","sentiment_score":0.010720458021387458},{"text":"So at the moment, we have your in what we would call, like, your model portfolio.","start":545.81,"end":549.35,"sentiment":"neutral","sentiment_score":0.07502709468826652},{"text":"And if we so, like, if you log in to Hub twenty four, you will see each and every single one of the investments.","start":550.05,"end":555.11,"sentiment":"neutral","sentiment_score":0.05294920434243977},{"text":"And if we want to go ahead and make a change, like, for example, the little underperformance with Benelon, we would obviously have to go and do the research.","start":555.49,"end":564.255,"sentiment":"neutral","sentiment_score":-0.042239034612630975},{"text":"We would have to put everything together in the statement of advice similar to today and go through that with you, and then you would have to sign off on it before we can actually go and make a change when it comes to just the investment.","start":564.555,"end":577.03,"sentiment":"neutral","sentiment_score":0.005391270397825444}],"sentiment":"neutral","sentiment_score":0.012752989717271356,"num_words":126,"start":542.265,"end":577.03},{"sentences":[{"text":"So sometimes, obviously, that process can take a little bit longer.","start":577.89,"end":581.75,"sentiment":"neutral","sentiment_score":-0.10021109167825092},{"text":"And sometimes with investments as well, you do wanna kind of be proactive and trying to act as quickly as you can as well because things do change on a daily.","start":582.53,"end":591.635,"sentiment":"neutral","sentiment_score":0.09870700778499726},{"text":"They do change pretty quickly.","start":591.635,"end":593.015,"sentiment":"neutral","sentiment_score":0.1376257508993149},{"text":"So the difference with the SMA is that, basically, you would be invested in, like, the the OQ BlackRock SMA.","start":593.555,"end":602.92,"sentiment":"neutral","sentiment_score":0.14593451023101806},{"text":"And within that SMA, you still have, you know, similar amount of different investments and diversification and everything like that that you have now.","start":603.54,"end":611.24,"sentiment":"neutral","sentiment_score":0.22293038107454777}],"sentiment":"neutral","sentiment_score":0.11994223448110151,"num_words":91,"start":577.89,"end":611.24},{"sentences":[{"text":"But the difference is that we could very quickly, in the back end, make changes to the individual investments without having to go through this whole research process and getting you to sign off on the document before we could go and make the change.","start":611.54,"end":625.03503,"sentiment":"neutral","sentiment_score":0.22629242291053137},{"text":"Does that make sense?","start":625.655,"end":626.875,"sentiment":"neutral","sentiment_score":0.19552557170391083},{"text":"Yep.","start":628.07,"end":628.31,"sentiment":"positive","sentiment_score":0.3394876718521118},{"text":"So it kind of eliminates a lot of that kind of, like, compliance, and we can do things a bit more quickly and proactively when it comes to chopping and changing investments as long as, obviously, it's still in your best interest.","start":628.31,"end":639.83,"sentiment":"neutral","sentiment_score":0.3171854352667218},{"text":"We always have to follow that and, obviously, doing all of research and everything.","start":639.83,"end":643.745,"sentiment":"neutral","sentiment_score":0.23174531225647246}],"sentiment":"neutral","sentiment_score":0.26293369473994904,"num_words":106,"start":611.54,"end":643.745},{"sentences":[{"text":"But it does mean that when there are a bit of fluctuations and stuff in the market, that we can very quickly go and make those changes.","start":643.745,"end":650.805,"sentiment":"neutral","sentiment_score":0.18376608744815545},{"text":"The other thing that's really good as well is that because we have teamed up with BlackRock, who are one of the largest investment managers in the world, we're obviously utilizing our investment committee along with this.","start":651.185,"end":662.91003,"sentiment":"positive","sentiment_score":0.5116699466834197},{"text":"So we can kind of combining all the knowledge and expertise together to create the the different investment portfolios, and they have pretty extensive research softwares as well when it comes to constructing all the the investments, essentially.","start":663.13,"end":677.925,"sentiment":"positive","sentiment_score":0.4187261870032863},{"text":"So for you, I have recommended the SMA at this time.","start":678.865,"end":682.40497,"sentiment":"positive","sentiment_score":0.43767311898144806},{"text":"I did consider a lot of different options as well because I wanted to make sure that if the SMA was going to be the best for you.","start":682.83,"end":689.57,"sentiment":"positive","sentiment_score":0.4315905975443976}],"sentiment":"positive","sentiment_score":0.40215608889752247,"num_words":141,"start":643.745,"end":689.57},{"sentences":[{"text":"So I did consider a lot of other investment options, so not the SMA and just different portfolio constructions within Hub twenty four.","start":690.19,"end":698.855,"sentiment":"neutral","sentiment_score":0.20053007518467697},{"text":"But with the SMA, it was a little bit more competitive when it comes to the performance, but then also the fees.","start":699.395,"end":706.53503,"sentiment":"neutral","sentiment_score":0.3157151788473129},{"text":"So how it is a little bit cheaper as well is that within hub twenty four, they basically have three different account types.","start":706.59503,"end":714.39,"sentiment":"positive","sentiment_score":0.4365301358958949},{"text":"So at the moment, we have you on the the the choice option, which is the most comprehensive option because that gives you access to all the different investment options.","start":714.93005,"end":723.705,"sentiment":"positive","sentiment_score":0.3674541602532069},{"text":"We with the SMA, it is available on, like, your middle or full I guess, your middle account.","start":724.66504,"end":730.125,"sentiment":"neutral","sentiment_score":0.2897135830587811}],"sentiment":"neutral","sentiment_score":0.32617748355300263,"num_words":116,"start":690.19,"end":730.125},{"sentences":[{"text":"So it is a little bit cheaper because you don't have to pay as much in admin fee, but it does give you access through the the SMA.","start":730.185,"end":737.245,"sentiment":"positive","sentiment_score":0.43421389694724766},{"text":"So, essentially, on an overview, by changing to the SMA when it comes to fees alone, it will save you about $500 a year in in fees alone, which is pretty good.","start":737.85,"end":751.31,"sentiment":"positive","sentiment_score":0.6691567655652761},{"text":"Yeah.","start":753.245,"end":753.64496,"sentiment":"neutral","sentiment_score":0.10207879543304443},{"text":"Have you still not received the document they're on?","start":753.64496,"end":755.985,"sentiment":"neutral","sentiment_score":-0.009854678478505876},{"text":"Yes.","start":759.005,"end":759.40497,"sentiment":"neutral","sentiment_score":0.034195005893707275}],"sentiment":"positive","sentiment_score":0.47350122968495734,"num_words":71,"start":730.185,"end":759.40497},{"sentences":[{"text":"Let me have a look at that for you.","start":759.40497,"end":761.505,"sentiment":"neutral","sentiment_score":0.06051210810740789},{"text":"So I have obrady@tpg.com.au.","start":768.06,"end":772.64,"sentiment":"neutral","sentiment_score":0.04704697243869305},{"text":"Yep.","start":776.315,"end":776.555,"sentiment":"neutral","sentiment_score":0.013905624859035017},{"text":"Yep.","start":776.555,"end":776.955,"sentiment":"neutral","sentiment_score":0.01691792905330658},{"text":"Exactly.","start":776.955,"end":777.455,"sentiment":"neutral","sentiment_score":0.03175518661737442}],"sentiment":"neutral","sentiment_score":0.04971097520319745,"num_words":16,"start":759.40497,"end":777.455},{"sentences":[{"text":"Alright.","start":781.515,"end":782.015,"sentiment":"neutral","sentiment_score":-0.1001635044813156},{"text":"Yeah.","start":783.35504,"end":783.85504,"sentiment":"neutral","sentiment_score":-0.1101253479719162},{"text":"Sometimes it's usually when the weather's been playing up, it's been a bit slower, but it's it's season today.","start":784.555,"end":789.675,"sentiment":"neutral","sentiment_score":-0.1432080225724923},{"text":"So I will keep resending it, and, hopefully, you're not gonna get just 20 different copies when they all come through.","start":789.675,"end":797.76,"sentiment":"neutral","sentiment_score":-0.09873785114004499},{"text":"It's it's all the same one, so you can if if you do, you can just delay and just just do one.","start":797.98,"end":802.72003,"sentiment":"neutral","sentiment_score":-0.004277280955152078}],"sentiment":"neutral","sentiment_score":-0.07966931775445119,"num_words":64,"start":781.515,"end":802.72003},{"sentences":[{"text":"Alright.","start":811.135,"end":811.635,"sentiment":"neutral","sentiment_score":0.2624114751815796},{"text":"Perfect.","start":811.855,"end":812.355,"sentiment":"positive","sentiment_score":0.40889719128608704},{"text":"Now let me just get this up here again.","start":813.535,"end":815.555,"sentiment":"neutral","sentiment_score":0.16279774407545725},{"text":"Now basically talking about the fees and everything, when it does decide to come through, it's page 16.","start":816.495,"end":822.29,"sentiment":"neutral","sentiment_score":0.1439777078727881},{"text":"So that one shows you in a, like, a bit of a fee comparison table how the recommendation is actually displayed, and it shows you a bit of a projection to five and ten years as well to show you the difference.","start":822.35,"end":834.805,"sentiment":"neutral","sentiment_score":0.19545641701136315}],"sentiment":"neutral","sentiment_score":0.1822148819624538,"num_words":71,"start":811.135,"end":834.805},{"sentences":[{"text":"And it also kinda give you a good kind of, assessment of where you are tracking and how things are at.","start":835.345,"end":841.205,"sentiment":"neutral","sentiment_score":0.19364817475988752},{"text":"Now what I have also done is kind of outlined everything in a lot more information for you so you can have a read over everything as well, especially with the estimate.","start":842.07,"end":850.55,"sentiment":"neutral","sentiment_score":0.1887652564328164},{"text":"So it's a bit more of a new new concept for you as well.","start":850.55,"end":854.09,"sentiment":"neutral","sentiment_score":0.2749736968960081},{"text":"And that is outlined from page 12 through through page 50.","start":854.71,"end":859.715,"sentiment":"neutral","sentiment_score":0.1867428652264855},{"text":"So it does outline the best interest duty again and how the recommendation does apply to acting in your best interest in comparison to a lot of the other investment options I did research for you.","start":859.935,"end":871.79504,"sentiment":"neutral","sentiment_score":0.27701912944515544}],"sentiment":"neutral","sentiment_score":0.22792624394621766,"num_words":114,"start":835.345,"end":871.79504},{"sentences":[{"text":"It also talks about the advantages, which a lot of it is the fee that I mentioned as well, but then also kind of that flexibility that allows us to do very quickly with the investments like I mentioned and then also utilizing BlackRock's expertise.","start":873.11005,"end":888.46497,"sentiment":"neutral","sentiment_score":0.2938048008415434},{"text":"One of the disadvantages as well is that by making investment changes, we do have to obviously sell down some of your investments.","start":889.96497,"end":898.83044,"sentiment":"negative","sentiment_score":-0.4358459743468658},{"text":"And if you are selling down some of grown, you do have to pay capital gains tax on it.","start":898.83044,"end":907.86,"sentiment":"negative","sentiment_score":-0.4314895633019899},{"text":"So I've tried to minimize that as much as possible for you.","start":908.56,"end":912.075,"sentiment":"neutral","sentiment_score":0.1159879503150781},{"text":"And, obviously, it does kind of fluctuate on a daily.","start":913.195,"end":916.075,"sentiment":"neutral","sentiment_score":-0.023161021620035173}],"sentiment":"neutral","sentiment_score":-0.035241265020786075,"num_words":109,"start":873.11005,"end":916.075},{"sentences":[{"text":"But when we did put it all together for you, it was a rough estimate of about $840 just so that you are aware.","start":916.075,"end":925.135,"sentiment":"neutral","sentiment_score":0.07701299246400595},{"text":"So it's not too bad, given you are saving above over 500 in fees alone.","start":925.58,"end":931.9,"sentiment":"neutral","sentiment_score":0.2969142735004425},{"text":"So pretty quickly, you can make up that change, but I do wanna let you know, that there will be some capital gains tax by making the changes.","start":931.9,"end":939.52,"sentiment":"neutral","sentiment_score":0.14786215485738857},{"text":"Any questions so far?","start":941.695,"end":943.07495,"sentiment":"neutral","sentiment_score":0.04842512123286724},{"text":"No.","start":944.255,"end":944.755,"sentiment":"neutral","sentiment_score":-0.0612204372882843}],"sentiment":"neutral","sentiment_score":0.14687008757351172,"num_words":72,"start":916.075,"end":944.755},{"sentences":[{"text":"Perfect.","start":945.615,"end":946.115,"sentiment":"positive","sentiment_score":0.6012974977493286},{"text":"Now when it actually comes to then the performance as well.","start":947.135,"end":950.255,"sentiment":"neutral","sentiment_score":0.21049237657677045},{"text":"So we do use historical performance when we we project everything for you.","start":950.255,"end":955.07495,"sentiment":"neutral","sentiment_score":0.16959631557647997},{"text":"So despite even kind of looking at the historical performance as well, it has still performed quite a lot better.","start":955.82,"end":962.64,"sentiment":"neutral","sentiment_score":0.2410396970808506},{"text":"So when we are looking at a three year period, So thinking as well we are reducing fees, it is about so your current one is about 12.11% using a three year rolling average, averaging it out over the last three years.","start":963.18,"end":981.72003,"sentiment":"neutral","sentiment_score":0.1742621764008488}],"sentiment":"neutral","sentiment_score":0.19840541486253685,"num_words":87,"start":945.615,"end":981.72003},{"sentences":[{"text":"And the recommended is a 13.47%.","start":982.02,"end":986.2,"sentiment":"neutral","sentiment_score":0.167015561213096},{"text":"Now I've also then done a twelve month for you as well just to show you a bit more up to date.","start":987.86,"end":994.515,"sentiment":"neutral","sentiment_score":0.11239625987681476},{"text":"Obviously, there's a lot happening in the last twelve months, but then also kind of how its positioned moving forward.","start":995.155,"end":1001.41504,"sentiment":"neutral","sentiment_score":0.08249664157629014},{"text":"So in the last twelve months, current, it's about 12.03 before fees, and recommended is about 14.64.","start":1001.875,"end":1011.44,"sentiment":"neutral","sentiment_score":0.06987162920482018},{"text":"So, again, performing a little bit better.","start":1011.44,"end":1013.78,"sentiment":"neutral","sentiment_score":0.3167046308517456}],"sentiment":"neutral","sentiment_score":0.11846519484081203,"num_words":72,"start":982.02,"end":1013.78},{"sentences":[{"text":"And the biggest thing as well is that even though we are increasing from growth to a high growth when it comes to how your money is allocated in terms of your defensive and your growth investments.","start":1014.24,"end":1026.0651,"sentiment":"neutral","sentiment_score":0.29757334654395645},{"text":"The type of investments and stuff in the SMA as well have a lot lower kind of volatility than your current portfolio, which is good.","start":1027.245,"end":1036.06,"sentiment":"positive","sentiment_score":0.44311856031417846},{"text":"So it should smooth things out a little bit more, and it's also kind of well positioned for everything that's going on with, you know, inflation and everything else in the world and stuff like that as well.","start":1036.06,"end":1048.06,"sentiment":"positive","sentiment_score":0.4061058069530286},{"text":"Does that make sense?","start":1048.06,"end":1049.2001,"sentiment":"neutral","sentiment_score":0.12633254751563072},{"text":"Yep.","start":1050.145,"end":1050.625,"sentiment":"neutral","sentiment_score":0.31415829062461853}],"sentiment":"positive","sentiment_score":0.3651398759512674,"num_words":105,"start":1014.24,"end":1050.625},{"sentences":[{"text":"Beautiful.","start":1050.625,"end":1051.125,"sentiment":"positive","sentiment_score":0.6460487246513367},{"text":"Now I have projected that forward for five and ten years to show you kind of the impact.","start":1052.225,"end":1057.285,"sentiment":"neutral","sentiment_score":0.2807326151265038},{"text":"And when we are looking at about a five year time frame, the difference is about 25,207, assuming, obviously, everything else kind of stays the same with insurances and stuff.","start":1057.905,"end":1069.3099,"sentiment":"neutral","sentiment_score":0.021003289986401795},{"text":"So it is a pretty good difference.","start":1069.37,"end":1070.99,"sentiment":"neutral","sentiment_score":0.12404145832572665},{"text":"Perfect.","start":1074.825,"end":1075.325,"sentiment":"positive","sentiment_score":0.39192378520965576}],"sentiment":"neutral","sentiment_score":0.13314997350895091,"num_words":57,"start":1050.625,"end":1075.325},{"sentences":[{"text":"Now when you do have a look at it as well, so on page 20, it actually shows you the asset allocation.","start":1075.705,"end":1085.965,"sentiment":"neutral","sentiment_score":0.11624493991786783},{"text":"So it shows you your high growth portfolio of about that $90.10 split, your existing portfolio, which sees about 78.53 in your growth investment, so a little bit lower.","start":1086.025,"end":1100.8,"sentiment":"neutral","sentiment_score":0.10211519742834158},{"text":"And then the proposed one is about 88.48.","start":1100.8,"end":1104.495,"sentiment":"neutral","sentiment_score":0.0941353989765048},{"text":"So a little bit higher allocation to those growth investments.","start":1104.575,"end":1107.715,"sentiment":"neutral","sentiment_score":0.17409418895840645},{"text":"We're trying to boost that through before you're in the long term because you still have plenty of time until retirement.","start":1108.415,"end":1113.475,"sentiment":"neutral","sentiment_score":0.22139314597561247}],"sentiment":"neutral","sentiment_score":0.14068900611665514,"num_words":90,"start":1075.705,"end":1113.475},{"sentences":[{"text":"Yep.","start":1114.815,"end":1115.295,"sentiment":"neutral","sentiment_score":0.20790955424308777},{"text":"Perfect.","start":1115.295,"end":1115.795,"sentiment":"positive","sentiment_score":0.3956409692764282},{"text":"Now do you have any questions in regards to the SMA or the investments or or stuff before I move on to the salary sacrifice?","start":1116.735,"end":1124.0901,"sentiment":"neutral","sentiment_score":0.07551834836602211},{"text":"Yep.","start":1126.4701,"end":1126.9701,"sentiment":"neutral","sentiment_score":0.0644834041595459},{"text":"Perfect.","start":1127.1101,"end":1127.6101,"sentiment":"neutral","sentiment_score":0.26974090933799744}],"sentiment":"neutral","sentiment_score":0.09743908779888318,"num_words":29,"start":1114.815,"end":1127.6101},{"sentences":[{"text":"So I have shown you as well a bit of a difference on how the $100 per month contribution of salary sacrifice changes things for you.","start":1128.0701,"end":1138.415,"sentiment":"neutral","sentiment_score":0.13092516033122173},{"text":"So on page 21, when you do receive it, it will show you your current position.","start":1138.715,"end":1144.5751,"sentiment":"neutral","sentiment_score":0.1376427821815014},{"text":"The first, it breaks down your current salary, your taxable income, tax on taxable income, and then kind of the the net income after tax.","start":1144.715,"end":1154.1499,"sentiment":"neutral","sentiment_score":0.10957315176725388},{"text":"It then shows on the other side, including salary sacrifice.","start":1155.4099,"end":1159.75,"sentiment":"neutral","sentiment_score":0.14371433071792125},{"text":"So by salary sacrificing, 1,200 per year, it is reducing your take home pay by about 816 per year.","start":1160.205,"end":1173.9049,"sentiment":"neutral","sentiment_score":0.0900014246764936}],"sentiment":"neutral","sentiment_score":0.1197170609763513,"num_words":96,"start":1128.0701,"end":1173.9049},{"sentences":[{"text":"Yeah?","start":1174.55,"end":1175.05,"sentiment":"neutral","sentiment_score":0.0722217932343483},{"text":"Now when it comes to contributions, so underneath that table, you will have your employee contributions from your employer, how that reflects after tax at the moment, and then the proposed situation, which is salary sacrificing that $100 per month, which shows you the difference in contributions of about 1,020.","start":1176.55,"end":1203.66,"sentiment":"neutral","sentiment_score":0.0718846820294857},{"text":"So on a net benefit, it still shows you that you're ahead by $204 if you're just looking by dollar value, which is still pretty good.","start":1205.24,"end":1216.475,"sentiment":"positive","sentiment_score":0.41228091888702834},{"text":"But the biggest thing as well is that you'll have more money invested who will then grow and get those returns longer.","start":1216.475,"end":1222.635,"sentiment":"positive","sentiment_score":0.6160749698227103},{"text":"So you'll obviously have more of a benefit, but at least in terms of just the difference in income and contributions, it still shows you that still by just doing a $100 per month as a starting point, it still gives you saves you a bit of tax and does boost your superannuation for you.","start":1222.635,"end":1238.5,"sentiment":"positive","sentiment_score":0.5671319473873485}],"sentiment":"positive","sentiment_score":0.38397185862451405,"num_words":154,"start":1174.55,"end":1238.5},{"sentences":[{"text":"Yeah.","start":1240.8,"end":1241.3,"sentiment":"neutral","sentiment_score":0.32591328024864197},{"text":"Now I have again outlined everything for you so you can have a read over it because sometimes if you can't see, it can be a lot, but I have outlined the advantages in regards to it.","start":1241.84,"end":1253.625,"sentiment":"neutral","sentiment_score":0.2974791011294803},{"text":"The biggest thing is, well, like I said, you have more money invested in your superannuation with going to compound and grow.","start":1253.6849,"end":1260.35,"sentiment":"neutral","sentiment_score":0.3314333524216305},{"text":"Contributions is taxed concessionally at 15%, which is a lot less than your marginal tax rate.","start":1261.2101,"end":1267.05,"sentiment":"neutral","sentiment_score":0.1501223025843501},{"text":"That's what makes the biggest difference.","start":1267.05,"end":1268.91,"sentiment":"neutral","sentiment_score":0.29079284022251767}],"sentiment":"neutral","sentiment_score":0.27769375192682916,"num_words":82,"start":1240.8,"end":1268.91},{"sentences":[{"text":"But, obviously, something to be mindful of is that the money you do put into superannuation, it will be locked in until you meet a condition of release.","start":1270.01,"end":1278.795,"sentiment":"neutral","sentiment_score":-0.0423231426892536},{"text":"So for example, turning 60 and stop working.","start":1279.175,"end":1282.615,"sentiment":"neutral","sentiment_score":-0.058618003502488136},{"text":"So that is kind of the biggest thing to consider, which I know as well is why you kind of wanted to start on a little bit smaller amount and see, obviously, how everything goes, and then we can always adjust it from there.","start":1282.615,"end":1292.77,"sentiment":"neutral","sentiment_score":0.036684210539202795},{"text":"Perfect.","start":1294.99,"end":1295.49,"sentiment":"positive","sentiment_score":0.5483499765396118},{"text":"Obviously, a risk to be mindful of is that there's always a level of risk associated with any investment option, and, obviously, rules and legislation can change.","start":1296.03,"end":1305.635,"sentiment":"neutral","sentiment_score":-0.11894095882221505}],"sentiment":"neutral","sentiment_score":-0.02502724695605812,"num_words":108,"start":1270.01,"end":1305.635},{"sentences":[{"text":"So we obviously keep an eye on everything for you just to make sure nothing's changing, but you are quite far from the contribution cap at the moment, which is good.","start":1305.635,"end":1314.435,"sentiment":"neutral","sentiment_score":0.009721610214441054},{"text":"But you do have plenty of space to take advantage of the salary sacrifice for you.","start":1314.435,"end":1320.7301,"sentiment":"neutral","sentiment_score":0.20032705320045352},{"text":"Yep.","start":1320.7301,"end":1321.2301,"sentiment":"neutral","sentiment_score":0.1593630015850067},{"text":"Now, basically, the last thing I do wanna touch with you there, Owen, is just the fee structure.","start":1322.41,"end":1328.03,"sentiment":"neutral","sentiment_score":0.07577937820719348},{"text":"So when it comes to the fee structure, like I mentioned in the last time we spoke, is that there's no changes in regards to the fee structure whatsoever.","start":1328.17,"end":1336.955,"sentiment":"neutral","sentiment_score":0.07512642417488427}],"sentiment":"neutral","sentiment_score":0.07588064082359013,"num_words":95,"start":1305.635,"end":1336.955},{"sentences":[{"text":"So it stays exactly the same at 1.65 from superannuation, but no changes whatsoever in regards to that, and it is not a lock in contract.","start":1337.335,"end":1347.25,"sentiment":"neutral","sentiment_score":0.07402741751418664},{"text":"So at any point in time, you are not happy, not a lock in contract.","start":1347.25,"end":1351.27,"sentiment":"neutral","sentiment_score":-0.21634340137243271},{"text":"And if it is that you are happy and you wanted to go ahead with the recommendation today or when you do get the document and have a chance to have a read over it, again, there's no additional fees and charges.","start":1351.49,"end":1362.085,"sentiment":"neutral","sentiment_score":0.27922190521799384},{"text":"It's all part of that ongoing service for you.","start":1362.085,"end":1364.745,"sentiment":"positive","sentiment_score":0.4230045543776618},{"text":"Yep.","start":1365.685,"end":1366.185,"sentiment":"neutral","sentiment_score":0.19387803971767423}],"sentiment":"neutral","sentiment_score":0.1549225901403735,"num_words":93,"start":1337.335,"end":1366.185},{"sentences":[{"text":"Now I have also then showed you the premium for your Clearview insurances when it comes to the remuneration because we do get commissions on insurances.","start":1366.645,"end":1375.625,"sentiment":"neutral","sentiment_score":0.21671065115011656},{"text":"And that is 22% of the total premium yearly.","start":1376.4501,"end":1381.27,"sentiment":"neutral","sentiment_score":0.1888344536225001},{"text":"Now that is clear view to the insurer paying us.","start":1382.4501,"end":1386.0701,"sentiment":"neutral","sentiment_score":0.18667691498994826},{"text":"It is not you paying us.","start":1386.29,"end":1388.115,"sentiment":"neutral","sentiment_score":0.06026450917124748},{"text":"But for compliance purposes, we have to disclose it so you are fully aware, and it is the same for every single insurer out there.","start":1388.355,"end":1395.235,"sentiment":"neutral","sentiment_score":0.11274984359741211}],"sentiment":"neutral","sentiment_score":0.16290906983378686,"num_words":76,"start":1366.645,"end":1395.235},{"sentences":[{"text":"So, like, it doesn't weigh us in any way to recommend one provider over the other.","start":1395.235,"end":1399.315,"sentiment":"neutral","sentiment_score":0.057822943199425936},{"text":"Does that all make sense?","start":1399.315,"end":1400.49,"sentiment":"neutral","sentiment_score":0.1042236179113388},{"text":"Yep.","start":1401.69,"end":1402.19,"sentiment":"neutral","sentiment_score":0.1996130049228668},{"text":"Perfect.","start":1402.41,"end":1402.91,"sentiment":"positive","sentiment_score":0.5210164785385132},{"text":"And that was simply everything today.","start":1402.97,"end":1405.61,"sentiment":"positive","sentiment_score":0.46076414982477826}],"sentiment":"neutral","sentiment_score":0.17005170907439857,"num_words":29,"start":1395.235,"end":1405.61},{"sentences":[{"text":"So pretty straightforward.","start":1405.61,"end":1406.75,"sentiment":"positive","sentiment_score":0.48170381784439087},{"text":"Now it does summarize everything again that I have recommended that you stay in Hub 24, but we change you to the SMA.","start":1407.9299,"end":1416.415,"sentiment":"neutral","sentiment_score":0.20124463396875755},{"text":"We change you to that slightly cheaper product in Hub twenty four to save you a bit of fees, and then also looking at the salary sacrifice contribution into super for you.","start":1416.4751,"end":1427.04,"sentiment":"positive","sentiment_score":0.3374884454533458},{"text":"Now now just for your reference as well, so in the appendix, which is the second document when it does decide to come through, I have shown you what it looks like if you don't decide to go with the salary sacrifice just so you can see kind of more like apples to apples of the different recommendation as well.","start":1428.7201,"end":1448.0951,"sentiment":"neutral","sentiment_score":0.28309080973267553},{"text":"And so you also can see then the impact it has on if your salary sacrifice versus not salary sacrifice.","start":1448.0951,"end":1454.5951,"sentiment":"neutral","sentiment_score":0.15832017231732606}],"sentiment":"neutral","sentiment_score":0.268298697968324,"num_words":138,"start":1405.61,"end":1454.5951},{"sentences":[{"text":"Yeah.","start":1455.9299,"end":1456.25,"sentiment":"neutral","sentiment_score":0.13429121673107147},{"text":"So that's all in the appendix for you.","start":1456.25,"end":1458.6699,"sentiment":"neutral","sentiment_score":0.23493998683989048},{"text":"So, basically, from here is have a look through your inbox.","start":1459.37,"end":1463.95,"sentiment":"neutral","sentiment_score":0.17677786539901386},{"text":"I will check with as well.","start":1465.85,"end":1467.4349,"sentiment":"neutral","sentiment_score":0.1364844267566999},{"text":"I haven't had anyone else had any issues with the documents, but I will triple check with them in case.","start":1467.4349,"end":1475.5349,"sentiment":"neutral","sentiment_score":0.06275726016610861}],"sentiment":"neutral","sentiment_score":0.13113955205873304,"num_words":46,"start":1455.9299,"end":1475.5349},{"sentences":[{"text":"If you haven't received anything by tomorrow, even just let me know, but I'll follow-up on my end because it should say that it's come through, and you should receive it very soon, if not already, which is a little bit strange.","start":1475.595,"end":1488.8099,"sentiment":"neutral","sentiment_score":0.10350133469771772},{"text":"But maybe there's just, like, a bit of a glitch.","start":1489.35,"end":1491.11,"sentiment":"neutral","sentiment_score":-0.19227689653635024},{"text":"So just let me know how you go.","start":1491.11,"end":1492.39,"sentiment":"neutral","sentiment_score":0.0280368709936738},{"text":"Obviously, hopefully, that comes through soon so you can have a read over it.","start":1492.39,"end":1495.545,"sentiment":"neutral","sentiment_score":0.2098982690700463},{"text":"When you can see it in front of you as well, if you do have any questions or anything because, obviously, you couldn't see it now.","start":1495.9451,"end":1501.4651,"sentiment":"neutral","sentiment_score":0.15822948658695588}],"sentiment":"neutral","sentiment_score":0.09701124478131533,"num_words":100,"start":1475.595,"end":1501.4651},{"sentences":[{"text":"Just feel free to even give me a callback or send me an email, and I can always give you another quick call just to kind of go through anything.","start":1501.4651,"end":1508.765,"sentiment":"neutral","sentiment_score":0.12448663289348284},{"text":"Otherwise, from here is yeah.","start":1510.3401,"end":1512.02,"sentiment":"neutral","sentiment_score":0.1715882420539856},{"text":"Take your time.","start":1512.02,"end":1512.5801,"sentiment":"neutral","sentiment_score":0.26124216119448346},{"text":"Have a read over it.","start":1512.5801,"end":1513.7001,"sentiment":"neutral","sentiment_score":0.23628060519695282},{"text":"If you do have a read over it and you are happy to go ahead with the recommendation to move forward, it would just be to sign those documents.","start":1513.7001,"end":1521.8601,"sentiment":"positive","sentiment_score":0.3814173875183895}],"sentiment":"neutral","sentiment_score":0.24470519367605448,"num_words":72,"start":1501.4651,"end":1521.8601},{"sentences":[{"text":"So you will just add your signature and date automatically.","start":1521.8601,"end":1525.2949,"sentiment":"neutral","sentiment_score":0.32648180723190307},{"text":"That will then send it back to me, and that tells me that you are happy to go ahead with the recommendation.","start":1525.995,"end":1530.815,"sentiment":"positive","sentiment_score":0.5004727894609625},{"text":"And then I will let the team know, and we can get started on that.","start":1531.115,"end":1534.255,"sentiment":"neutral","sentiment_score":0.32107860247294107},{"text":"Yeah.","start":1535.6749,"end":1536.03,"sentiment":"neutral","sentiment_score":0.16279518604278564},{"text":"Perfect.","start":1536.51,"end":1537.01,"sentiment":"positive","sentiment_score":0.4104975461959839}],"sentiment":"positive","sentiment_score":0.4013202287712876,"num_words":49,"start":1521.8601,"end":1537.01},{"sentences":[{"text":"Veronica.","start":1537.79,"end":1538.29,"sentiment":"neutral","sentiment_score":0.06127846986055374},{"text":"Yep.","start":1540.35,"end":1540.85,"sentiment":"positive","sentiment_score":0.4419872760772705},{"text":"Perfect.","start":1540.99,"end":1541.49,"sentiment":"positive","sentiment_score":0.7085210084915161},{"text":"Now do you have any other questions or anything else for me at this stage, otherwise, before I let you go there, Owen?","start":1542.43,"end":1549.0901,"sentiment":"neutral","sentiment_score":0.07621099775576073},{"text":"No.","start":1550.305,"end":1550.785,"sentiment":"neutral","sentiment_score":-0.11032269150018692}],"sentiment":"neutral","sentiment_score":0.10571544486339446,"num_words":27,"start":1537.79,"end":1550.785},{"sentences":[{"text":"Okay.","start":1550.785,"end":1551.185,"sentiment":"neutral","sentiment_score":0.16609454154968262},{"text":"Beautiful.","start":1551.185,"end":1551.685,"sentiment":"positive","sentiment_score":0.5326888561248779},{"text":"Like I said, when you have a read through the documents, if there's anything you want to go through in a bit more detail, just let me know.","start":1552.145,"end":1558.4651,"sentiment":"neutral","sentiment_score":0.21270629949867725},{"text":"But, otherwise, it is quite detailed.","start":1558.4651,"end":1560.305,"sentiment":"neutral","sentiment_score":0.11956378072500229},{"text":"So take your time and have a read over everything just to make sure you understand everything, and let me know if you do have any questions.","start":1560.305,"end":1566.08,"sentiment":"neutral","sentiment_score":0.20162916211066423}],"sentiment":"neutral","sentiment_score":0.2034274578567535,"num_words":63,"start":1550.785,"end":1566.08},{"sentences":[{"text":"No problem.","start":1567.82,"end":1568.38,"sentiment":"positive","sentiment_score":0.4542156457901001},{"text":"Well, thank you so much for your time today, and I look forward to speaking with you soon again.","start":1568.38,"end":1571.76,"sentiment":"positive","sentiment_score":0.8235603382712916},{"text":"You too.","start":1573.5,"end":1574.22,"sentiment":"positive","sentiment_score":0.5699127018451691},{"text":"Bye.","start":1574.22,"end":1574.72,"sentiment":"positive","sentiment_score":0.3374588191509247}],"sentiment":"positive","sentiment_score":0.7513900808990002,"num_words":24,"start":1567.82,"end":1574.72}]}}]},{"alternatives":[{"transcript":"Hello? Yes. I'm good. How are you? Yep. Yeah. Sure. Yep. Yeah. Luna five hundred. Yeah. Fine. Yeah. Normal. Yep. Give me a minute. Just seeing. I'm just waiting on it it come through. Mhmm. Yeah. Go for it. Yep. Okay. Mhmm. Okay. Yep. Sorry. Run it on by me again. You're breaking up a bit. I probably have, but I don't remember it. Mhmm. Okay. Yep. Fair enough. Yep. Okay. No. I haven't received it yet. No. Not in the spam either. Yeah. Yep. Still still nothing. Being slow today. Yep. Yeah. I got it. Mhmm. Okay. It it does come through occasionally. Hang on. Because it a lot of this stuff, I just I skim over it, and then it doesn't yeah. Yeah. Yeah. No. Mhmm. Mhmm. Okay. Yep. Mhmm. Mhmm. Yep. Mhmm. Okay. Now, do you wanna double check the email address you're sending to? Yep, man. Correct. O b r a d y? Yep. Okay. I was emails sometimes just get stuck, unfortunately. Yeah. I'm gonna get a get some more copies. Yep. Mhmm. Yep. Mhmm. Yep. Okay. Yep. Mhmm. Okay. Yep. Yep. No. It all sounds pretty good, so far. Mhmm. Okay. Yep. Yep. Yep. Mhmm. Mhmm. Okay. Sounds good. Mhmm. Yep. Yep. Okay. Not that 10 five. Mhmm. Thank you. Mhmm. Okay. Yep. Okay. Mhmm. Yep. That's good. Mhmm. Yes. Mhmm. Cool. Mhmm. Okay. Okay. Okay. Okay. Okay. Yep. Yep. Sounds good. Okay. Yep. Mhmm. Yep. Okay. Okay. No worries. Sorry. What was your name again? I'll just turn it there. Veronica. Cool. No. Not at the moment. Will do. Alright. Thanks very much. Have a good one. 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Yes. I'm good. How are you? Yep.\n\nYeah. Sure. Yep. Yeah. Luna five hundred.\n\nYeah. Fine. Yeah. Normal. Yep.\n\nGive me a minute. Just seeing. I'm just waiting on it it come through. Mhmm. Yeah.\n\nGo for it. Yep. Okay. Mhmm. Okay.\n\nYep. Sorry. Run it on by me again. You're breaking up a bit. I probably have, but I don't remember it.\n\nMhmm. Okay. Yep. Fair enough. Yep.\n\nOkay. No. I haven't received it yet. No. Not in the spam either.\n\nYeah. Yep. Still still nothing. Being slow today. Yep.\n\nYeah. I got it. Mhmm. Okay. It it does come through occasionally.\n\nHang on. Because it a lot of this stuff, I just I skim over it, and then it doesn't yeah. Yeah. Yeah. No.\n\nMhmm. Mhmm. Okay. Yep. Mhmm.\n\nMhmm. Yep. Mhmm. Okay. Now, do you wanna double check the email address you're sending to?\n\nYep, man. Correct. O b r a d y? Yep. Okay.\n\nI was emails sometimes just get stuck, unfortunately. Yeah. I'm gonna get a get some more copies. Yep. Mhmm.\n\nYep. Mhmm. Yep. Okay. 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yeah.","start":493.49002,"end":497.915,"sentiment":"neutral","sentiment_score":-0.07020136155188084},{"text":"Yeah.","start":507.335,"end":507.72,"sentiment":"neutral","sentiment_score":0.059771936386823654},{"text":"Yeah.","start":507.88,"end":508.38,"sentiment":"neutral","sentiment_score":0.07034485787153244},{"text":"No.","start":523.735,"end":524.235,"sentiment":"neutral","sentiment_score":-0.08724862337112427}],"sentiment":"neutral","sentiment_score":-0.05908274391423101,"num_words":23,"start":492.69,"end":524.235},{"sentences":[{"text":"Mhmm.","start":530.855,"end":531.355,"sentiment":"neutral","sentiment_score":0.02561233565211296},{"text":"Mhmm.","start":550.06995,"end":550.56995,"sentiment":"neutral","sentiment_score":0.03599021956324577},{"text":"Okay.","start":625.94,"end":626.44,"sentiment":"neutral","sentiment_score":0.23515304923057556},{"text":"Yep.","start":627.22,"end":627.72,"sentiment":"neutral","sentiment_score":0.2773703336715698},{"text":"Mhmm.","start":641.765,"end":642.265,"sentiment":"neutral","sentiment_score":0.21819737553596497}],"sentiment":"neutral","sentiment_score":0.15846466273069382,"num_words":5,"start":530.855,"end":642.265},{"sentences":[{"text":"Mhmm.","start":663.38495,"end":663.88495,"sentiment":"positive","sentiment_score":0.4594082534313202},{"text":"Yep.","start":678.5,"end":679.0,"sentiment":"positive","sentiment_score":0.39241278171539307},{"text":"Mhmm.","start":730.63,"end":731.13,"sentiment":"positive","sentiment_score":0.39044827222824097},{"text":"Okay.","start":755.3,"end":755.7,"sentiment":"neutral","sentiment_score":-0.03562340885400772},{"text":"Now, do you wanna double check the email address you're sending to?","start":755.7,"end":758.505,"sentiment":"neutral","sentiment_score":-0.00007651699706912026}],"sentiment":"neutral","sentiment_score":0.07535798090975732,"num_words":16,"start":663.38495,"end":758.505},{"sentences":[{"text":"Yep, man.","start":772.905,"end":773.55,"sentiment":"neutral","sentiment_score":0.0364132858812809},{"text":"Correct.","start":773.70996,"end":774.02997,"sentiment":"neutral","sentiment_score":0.029683411121368408},{"text":"O b r a d y?","start":774.02997,"end":775.81,"sentiment":"neutral","sentiment_score":0.010186455057313045},{"text":"Yep.","start":776.91,"end":777.41,"sentiment":"neutral","sentiment_score":0.0240292064845562},{"text":"Okay.","start":778.83,"end":779.33,"sentiment":"neutral","sentiment_score":-0.006702512502670288}],"sentiment":"neutral","sentiment_score":0.01645049156451767,"num_words":11,"start":772.905,"end":779.33},{"sentences":[{"text":"I was emails sometimes just get stuck, unfortunately.","start":779.39,"end":783.97,"sentiment":"neutral","sentiment_score":-0.09837593650445342},{"text":"Yeah.","start":785.715,"end":786.215,"sentiment":"neutral","sentiment_score":-0.07530201971530914},{"text":"I'm gonna get a get some more 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all sounds pretty good, so 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good.","start":1428.005,"end":1428.8251,"sentiment":"positive","sentiment_score":0.7417015731334686},{"text":"Okay.","start":1455.245,"end":1455.745,"sentiment":"neutral","sentiment_score":0.12431277334690094},{"text":"Yep.","start":1489.455,"end":1489.77,"sentiment":"neutral","sentiment_score":-0.025065388530492783},{"text":"Mhmm.","start":1504.81,"end":1505.145,"sentiment":"neutral","sentiment_score":0.10906891524791718}],"sentiment":"positive","sentiment_score":0.36905344886084396,"num_words":6,"start":1427.605,"end":1505.145},{"sentences":[{"text":"Yep.","start":1509.385,"end":1509.885,"sentiment":"neutral","sentiment_score":0.12538835406303406},{"text":"Okay.","start":1510.345,"end":1510.845,"sentiment":"neutral","sentiment_score":0.2173922061920166},{"text":"Okay.","start":1534.935,"end":1535.255,"sentiment":"neutral","sentiment_score":0.14230071008205414},{"text":"No worries.","start":1535.255,"end":1535.995,"sentiment":"neutral","sentiment_score":0.1701825112104416},{"text":"Sorry.","start":1536.2151,"end":1536.535,"sentiment":"neutral","sentiment_score":0.22900471091270447}],"sentiment":"neutral","sentiment_score":0.17574183394511542,"num_words":6,"start":1509.385,"end":1536.535},{"sentences":[{"text":"What was your name again?","start":1536.535,"end":1537.495,"sentiment":"neutral","sentiment_score":0.13451190739870073},{"text":"I'll just turn it there.","start":1537.495,"end":1538.875,"sentiment":"neutral","sentiment_score":0.08331199884414672},{"text":"Veronica.","start":1539.255,"end":1539.755,"sentiment":"neutral","sentiment_score":0.14254644513130188},{"text":"Cool.","start":1539.9751,"end":1540.4751,"sentiment":"positive","sentiment_score":0.48950064182281494},{"text":"No.","start":1549.0299,"end":1549.4299,"sentiment":"neutral","sentiment_score":-0.1747216433286667}],"sentiment":"neutral","sentiment_score":0.11895730575689903,"num_words":13,"start":1536.535,"end":1549.4299},{"sentences":[{"text":"Not at the moment.","start":1549.4299,"end":1550.33,"sentiment":"neutral","sentiment_score":-0.21945783495903015},{"text":"Will do.","start":1566.4049,"end":1567.225,"sentiment":"positive","sentiment_score":0.34976936876773834},{"text":"Alright.","start":1568.4808,"end":1568.9808,"sentiment":"positive","sentiment_score":0.5763972997665405},{"text":"Thanks very much.","start":1571.7609,"end":1572.4808,"sentiment":"positive","sentiment_score":0.8802691300710043},{"text":"Have a good one.","start":1572.4808,"end":1573.4608,"sentiment":"positive","sentiment_score":0.7822681814432144}],"sentiment":"positive","sentiment_score":0.4405703438179834,"num_words":14,"start":1549.4299,"end":1573.4608},{"sentences":[{"text":"Bye.","start":1574.6409,"end":1575.1409,"sentiment":"neutral","sentiment_score":-0.1071157082915306}],"sentiment":"neutral","sentiment_score":-0.1071157082915306,"num_words":1,"start":1574.6409,"end":1575.1409}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon. Is this Owen?\n\nChannel 1: Yes.\n\nChannel 0: This is Veronica from Acute Financial. How are you?\n\nChannel 1: I'm good. How are you?\n\nChannel 0: Good. Oh, good. Thanks. I had you booked in to kind of work through the research that I did for you in regards to your super investments and salary sacrifice. Is now still a\n\nChannel 1: Yep.\n\nChannel 0: good time for you?\n\nChannel 1: Yeah. Sure.\n\nChannel 0: Yeah. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. And just to confirm I am speaking with the right person, I do have a password on file for you.\n\nChannel 1: Yeah.\n\nChannel 0: Do you know who\n\nChannel 1: Luna\n\nChannel 0: that might\n\nChannel 1: five\n\nChannel 0: be?\n\nChannel 1: hundred.\n\nChannel 0: Yeah. Perfect. That's the one. And how's your day been so far? Been busy?\n\nChannel 1: Yeah. Fine. Yeah. Normal.\n\nChannel 0: Yeah. No. That's good. Now do you have access to your emails at the moment, Owen?\n\nChannel 1: Yep. Give me a minute.\n\nChannel 0: Yep. Perfect. I've just sent it through, so it should come through shortly. It could end up in spam as well.\n\nChannel 1: Just seeing. I'm just waiting on it\n\nChannel 0: Let me just check here. I said, this has been sent on my end, so it might just take a couple of minutes.\n\nChannel 1: it come through.\n\nChannel 0: Are you happy for me to kind of just start\n\nChannel 1: Mhmm. Yeah.\n\nChannel 0: going\n\nChannel 1: Go\n\nChannel 0: through a\n\nChannel 1: for\n\nChannel 0: couple\n\nChannel 1: it.\n\nChannel 0: of things, and then you just interrupt me as soon as it comes through? And if you haven't got it\n\nChannel 1: Yep.\n\nChannel 0: in five minutes, I'll just resend it and see if that works.\n\nChannel 1: Okay.\n\nChannel 0: Yep. Perfect. Now every time we do make a recommendation and give you personalized advice, we have to put everything in this statement of advice for you, which is the document you will see when your email does come through. Now it is 31 pages, so it is quite long. I won't go through all of it.\n\nChannel 1: Mhmm.\n\nChannel 0: It is pretty straightforward, but a lot of it is just for compliance purposes as well just to make sure you fully understand everything. Now on the cover page as well, you will see that this is tailored specifically for you, and you will also see my details on the cover page. You will see my authorized representative number listed there, and I am licensed under OPU Financial. It is also valid for sixty days. But if you do need some time to have a think about what you want to do, that is no problem.\n\nIt is valid, like I said, for sixty days. If you need any more time than that, just let me know because I'll just have to reconfirm your information, and I can get it updated if it's free. Does that all make sense?\n\nChannel 1: Okay.\n\nChannel 0: Yep. Perfect. Now on page two, it talks a little bit about their best interest duty. Do you remember hearing about that before?\n\nChannel 1: Yep. Sorry. Run it on by me again. You're breaking\n\nChannel 0: No. That's\n\nChannel 1: up\n\nChannel 0: okay. The best\n\nChannel 1: a\n\nChannel 0: interest duty, do you remember\n\nChannel 1: bit.\n\nChannel 0: hearing about that before?\n\nChannel 1: I probably have, but I don't remember it.\n\nChannel 0: No. That's all good. Essentially, it outlines that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a result\n\nChannel 1: Mhmm.\n\nChannel 0: of the advice. Otherwise, we can't actually make the recommendation.\n\nChannel 1: Okay.\n\nChannel 0: And if I don't act in your best interest, then I will lose my license. And if I lose my license, I will lose my job, and that might not be too good.\n\nChannel 1: Yep.\n\nChannel 0: So,\n\nChannel 1: Fair\n\nChannel 0: essentially,\n\nChannel 1: enough.\n\nChannel 0: there's a lot in place to protect you and make sure that we do everything for you, essentially.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Has that still not come through yet?\n\nChannel 1: No. I haven't received it yet. No.\n\nChannel 0: Alright. Let me see if I can\n\nChannel 1: Not in\n\nChannel 0: resend\n\nChannel 1: the spam either.\n\nChannel 0: it. Alright. So it says it's been recent. So I'll give it another little bit and see how that goes. Essentially, the statement of advisers, well, outlines a couple of pages talking about goals of advice.\n\nBasically, what that means is the areas we are looking at today. So it is pretty straightforward. The goal is just to review your superannuation, give you a bit of an update of where things are at at the moment, and then also kind of start planning for retirement to see if you, you know, are on track for everything and how things are going. And then also reviewing some of your investments, making sure they're all performing as they should or if we wanted to make any changes. Also looking at salary sacrificing about a $100 per month.\n\nTo show you, we're not making any changes in regards to insurances. So it is pretty straightforward today. Does that all make sense?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Perfect. Now, again, when you do have a look through, you'll see a couple of pages, just some personalized information about you. Just have a bit of a read over it as well just to make sure that's all up to date. Otherwise, when it comes to your risk profile so there's a couple of pages talking about your risk profile as well.\n\nNow it shows you that when we did your risk profile questionnaire, you did come out as a growth investor, and we kind of agreed that what would be suitable for you at the moment is just to kind of keep you in a high growth portfolio. So we have increased that a little bit for you into a high growth because you do still have plenty of time with overtime and just take advantage of that. Does that all make sense?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Still nothing?\n\nChannel 1: Still still nothing. Being slow\n\nChannel 0: Let\n\nChannel 1: today.\n\nChannel 0: me have let me have a bit of a look. It should definitely have come through by now. Let me just see if I can get someone else to try to send it if it's on my end. Alright. I'll try to get one of my colleagues to send it if there's, like, a little bit bug or anything on my side.\n\nBut, otherwise, you're happy for me to kind of go through and keep going? It's\n\nChannel 1: Yep.\n\nChannel 0: not\n\nChannel 1: Yeah. I\n\nChannel 0: too\n\nChannel 1: got\n\nChannel 0: too\n\nChannel 1: it.\n\nChannel 0: complex. Yeah. Perfect. Now what I have recommended first when it comes to your superannuation is I did a lot of research on your hub twenty four accounts as well, just making sure that is still going to be the best option for you. And after doing the research, it's still very much at least competitive.\n\nIt's really competitive when it comes to, like, fees and features and investment choices. So I haven't recommended that we change your Superfund, just keeping you in Hub 24. But it is good to do a bit of an update every now and then just to make sure because there's always new features and products that comes out.\n\nChannel 1: Mhmm. Okay.\n\nChannel 0: Now when it comes through the how things are structured for your investments as well, I have recommended a little bit of a change. So do you remember receiving our newsletter at all\n\nChannel 1: It it does\n\nChannel 0: recently?\n\nChannel 1: come through occasionally.\n\nChannel 0: Talking about BlackRock by any chance? No? It's\n\nChannel 1: Hang\n\nChannel 0: okay\n\nChannel 1: on.\n\nChannel 0: if you didn't.\n\nChannel 1: Because it a lot of this stuff, I just I skim over it, and then it doesn't\n\nChannel 0: No. It's okay.\n\nChannel 1: yeah.\n\nChannel 0: Essentially, what it was is that we have recently teamed up with BlackRock. Have you heard of them before? They're quite big.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep. So we recently teamed up with them and created our own SMA. So not self managed super fund and SMA, which is a self managed account. Have you ever heard of that before?\n\nChannel 1: No.\n\nChannel 0: No. So I have included a lot of information in the strategy for you,\n\nChannel 1: Mhmm.\n\nChannel 0: But, essentially, how it's different to how your current investments are structured. So it's still very similar in terms of the style of investments and how things are structured for you. But the main difference is basically how it's set up. So at the moment, we have your in what we would call, like, your model portfolio. And\n\nChannel 1: Mhmm.\n\nChannel 0: if we so, like, if you log in to Hub twenty four, you will see each and every single one of the investments. And if we want to go ahead and make a change, like, for example, the little underperformance with Benelon, we would obviously have to go and do the research. We would have to put everything together in the statement of advice similar to today and go through that with you, and then you would have to sign off on it before we can actually go and make a change when it comes to just the investment. So sometimes, obviously, that process can take a little bit longer. And sometimes with investments as well, you do wanna kind of be proactive and trying to act as quickly as you can as well because things do change on a daily.\n\nThey do change pretty quickly. So the difference with the SMA is that, basically, you would be invested in, like, the the OQ BlackRock SMA. And within that SMA, you still have, you know, similar amount of different investments and diversification and everything like that that you have now. But the difference is that we could very quickly, in the back end, make changes to the individual investments without having to go through this whole research process and getting you to sign off on the document before we could go and make the change. Does that\n\nChannel 1: Okay.\n\nChannel 0: make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yep. So it kind of eliminates a lot of that kind of, like, compliance, and we can do things a bit more quickly and proactively when it comes to chopping and changing investments as long as, obviously, it's still in your best interest. We always have to follow that and,\n\nChannel 1: Mhmm.\n\nChannel 0: obviously, doing all of research and everything. But it does mean that when there are a bit of fluctuations and stuff in the market, that we can very quickly go and make those changes. The other thing that's really good as well is that because we have teamed up with BlackRock, who are one of the largest investment managers in the world, we're obviously utilizing our investment committee along with this. So we\n\nChannel 1: Mhmm.\n\nChannel 0: can kind of combining all the knowledge and expertise together to create the the different investment portfolios, and they have pretty extensive research softwares as well when it comes to constructing all the the investments, essentially.\n\nChannel 1: Yep.\n\nChannel 0: So for you, I have recommended the SMA at this time. I did consider a lot of different options as well because I wanted to make sure that if the SMA was going to be the best for you. So I did consider a lot of other investment options, so not the SMA and just different portfolio constructions within Hub twenty four. But with the SMA, it was a little bit more competitive when it comes to the performance, but then also the fees. So how it is a little bit cheaper as well is that within hub twenty four, they basically have three different account types.\n\nSo at the moment, we have you on the the the choice option, which is the most comprehensive option because that gives you access to all the different investment options. We with the SMA, it is available on, like, your middle or full I guess, your middle account. So it is\n\nChannel 1: Mhmm.\n\nChannel 0: a little bit cheaper because you don't have to pay as much in admin fee, but it does give you access through the the SMA. So, essentially, on an overview, by changing to the SMA when it comes to fees alone, it will save you about $500 a year in in fees alone, which is pretty good. Yeah. Have you still not received the document they're\n\nChannel 1: Okay.\n\nChannel 0: on?\n\nChannel 1: Now, do you wanna double check the email address you're sending to?\n\nChannel 0: Yes. Let me have a look at that for you. So I have obrady@tpg.com.au.\n\nChannel 1: Yep, man. Correct. O b r a d y?\n\nChannel 0: Yep. Yep.\n\nChannel 1: Yep.\n\nChannel 0: Exactly.\n\nChannel 1: Okay. I was emails sometimes\n\nChannel 0: Alright.\n\nChannel 1: just get stuck,\n\nChannel 0: Yeah.\n\nChannel 1: unfortunately.\n\nChannel 0: Sometimes it's usually when\n\nChannel 1: Yeah.\n\nChannel 0: the weather's been playing up, it's been a bit slower, but it's it's season today. So I will keep resending it, and, hopefully, you're not gonna get just 20 different copies\n\nChannel 1: I'm\n\nChannel 0: when\n\nChannel 1: gonna\n\nChannel 0: they\n\nChannel 1: get a\n\nChannel 0: all\n\nChannel 1: get\n\nChannel 0: come\n\nChannel 1: some more\n\nChannel 0: through.\n\nChannel 1: copies.\n\nChannel 0: It's it's all the same one, so you can if if\n\nChannel 1: Yep.\n\nChannel 0: you do, you can just delay and just just do one. Alright. Perfect. Now let me just get this up here again. Now basically talking about the fees and everything, when it does decide to come through, it's page 16.\n\nSo that one shows you in a, like, a bit of a fee comparison table\n\nChannel 1: Mhmm.\n\nChannel 0: how the recommendation is actually displayed, and it shows you a bit of a projection to five and ten years as well to show you the difference. And it also kinda give you a good kind of, assessment of where you are tracking and how things are at. Now what I have also done is kind of outlined everything in a lot more information for you so you can have a read over everything as well, especially with the estimate. So it's a bit more of a new new concept for you as well.\n\nChannel 1: Yep.\n\nChannel 0: And that is outlined from page 12 through through page 50. So it does outline the best interest duty again and\n\nChannel 1: Mhmm.\n\nChannel 0: how the recommendation does apply to acting in your best interest in comparison to a lot of the other investment\n\nChannel 1: Yep.\n\nChannel 0: options I did research for you. It also talks about the advantages, which a lot of it is the fee that I mentioned as well, but then also kind of that flexibility that allows us to do very quickly with the investments like I mentioned and then also utilizing BlackRock's expertise. One of the disadvantages as well is that by making investment changes, we do have to obviously sell down some of your investments. And if you are selling down some of grown, you do have to pay capital gains tax on it.\n\nChannel 1: Okay. Yep.\n\nChannel 0: So I've tried to minimize that as much as possible for you.\n\nChannel 1: Mhmm.\n\nChannel 0: And, obviously, it does kind of fluctuate on a daily. But when we did put it all together for you, it was a rough estimate of about $840 just so that you are aware.\n\nChannel 1: Okay.\n\nChannel 0: So\n\nChannel 1: Yep.\n\nChannel 0: it's not too bad, given you are saving above over 500 in fees alone. So pretty quickly, you can make up that change, but I do wanna let you know,\n\nChannel 1: Yep.\n\nChannel 0: that there will be some capital gains tax by making the changes. Any questions so far?\n\nChannel 1: No. It all sounds\n\nChannel 0: No.\n\nChannel 1: pretty good, so far.\n\nChannel 0: Perfect. Now when it actually comes to then the performance as well. So we do use historical performance when we we project everything for you.\n\nChannel 1: Mhmm.\n\nChannel 0: So despite even kind of looking at the historical performance as well, it has still performed quite a lot better. So when we are looking at a three year period, So thinking as well we are reducing fees, it is about so your current one is about 12.11% using a three year rolling average, averaging it out over the last three years. And the recommended is a 13.47%.\n\nChannel 1: Okay.\n\nChannel 0: Now I've also then done a twelve month for you as well just to show you a bit more up to date. Obviously, there's a lot happening in the last twelve months, but then also kind of how its positioned moving forward. So in the last twelve months, current, it's about 12.03 before fees, and recommended is about 14.64. So, again, performing\n\nChannel 1: Yep.\n\nChannel 0: a little bit better. And the biggest thing as well is that even though we are increasing from growth to a high growth when it comes to how your money is allocated in terms of your defensive and your growth investments. The type of investments and stuff in the SMA as well have a lot lower kind of volatility than your current portfolio, which is good. So it should smooth things out a little bit more, and it's also kind of well positioned for everything that's going on with, you know, inflation and everything else in the world and stuff like that as well. Does that make\n\nChannel 1: Yep.\n\nChannel 0: sense?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. Now I have projected that forward for five and ten years to show you kind of the impact. And\n\nChannel 1: Mhmm.\n\nChannel 0: when we are looking at about a five year time frame, the difference is about 25,207, assuming, obviously, everything else kind of stays the same with insurances and stuff.\n\nChannel 1: Mhmm.\n\nChannel 0: So it is a pretty good difference.\n\nChannel 1: Okay. Sounds good.\n\nChannel 0: Perfect. Now when you do have a look at it as well, so on page 20, it\n\nChannel 1: Mhmm.\n\nChannel 0: actually shows you the asset allocation. So it shows you your high growth portfolio of\n\nChannel 1: Yep.\n\nChannel 0: about that $90.10 split, your existing portfolio, which sees about 78.53 in your growth investment, so a little bit lower. And then the proposed one is about 88.48. So a little bit higher allocation to those growth investments. We're trying to boost that through before you're in the long term because you still have plenty of time until retirement.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Yep. Perfect. Now do you have any questions in regards to the SMA or the investments or or stuff before I move on to the salary sacrifice?\n\nChannel 1: Not that 10\n\nChannel 0: Yep. Perfect. So I have shown you as well a bit of a difference on how the $100 per month contribution of salary sacrifice changes\n\nChannel 1: five. Mhmm.\n\nChannel 0: things for you. So on page 21, when you do receive it, it will show you your current position. The first, it breaks down your current salary, your taxable income, tax on taxable income, and then kind of the the net income after tax. It then\n\nChannel 1: Thank\n\nChannel 0: shows\n\nChannel 1: you.\n\nChannel 0: on the other side, including salary sacrifice. So by salary sacrificing, 1,200 per year, it is reducing your take home pay by\n\nChannel 1: Mhmm.\n\nChannel 0: about 816 per\n\nChannel 1: Okay.\n\nChannel 0: year. Yeah?\n\nChannel 1: Yep.\n\nChannel 0: Now when it comes to contributions, so underneath that table, you will have your employee contributions from your employer, how that reflects after tax at the moment, and then the proposed situation, which is salary sacrificing that $100 per month, which shows you the difference in contributions of about 1,020.\n\nChannel 1: Okay.\n\nChannel 0: So on a net benefit, it still shows you that you're ahead by $204 if you're just looking by dollar value,\n\nChannel 1: Mhmm.\n\nChannel 0: which is still pretty good. But the biggest thing as well is that you'll have more money invested who will then grow and get those returns longer. So you'll obviously have more of a benefit, but\n\nChannel 1: Yep.\n\nChannel 0: at least in terms of just the difference in income and contributions, it still shows you that still by just doing a $100 per month as a starting point, it still gives you saves you a bit of tax and does boost your superannuation for you.\n\nChannel 1: That's\n\nChannel 0: Yeah. Now I have again outlined everything for you so you can have a read over it because sometimes if you can't see, it can be a lot, but I have outlined the advantages in\n\nChannel 1: good.\n\nChannel 0: regards to it. The biggest thing is, well, like I said, you have more money invested in your superannuation with going to compound and grow. Contributions is taxed concessionally at 15%, which is\n\nChannel 1: Mhmm.\n\nChannel 0: a lot less than your marginal tax rate. That's what makes the biggest difference. But, obviously, something to be mindful of is that the money you do put into superannuation, it will be locked in until you meet a condition of release. So for example, turning 60 and stop working. So that is kind\n\nChannel 1: Yes.\n\nChannel 0: of the biggest thing to consider, which I know as well is why you kind of wanted to start on a little bit smaller amount and see, obviously, how everything goes, and then we can\n\nChannel 1: Mhmm.\n\nChannel 0: always adjust it from there. Perfect. Obviously, a risk to be mindful of is that there's always a level of risk associated with any investment option, and, obviously, rules and legislation can change. So we obviously keep an eye on everything for you just to make sure nothing's changing, but you are quite far from the contribution cap at the moment, which is good. But you do have plenty of space to take advantage of the salary sacrifice for\n\nChannel 1: Cool.\n\nChannel 0: you. Yep. Now, basically, the last thing I do wanna touch with you there, Owen, is just the fee structure. So when it comes\n\nChannel 1: Mhmm.\n\nChannel 0: to the fee structure, like I mentioned in the last time we spoke, is that there's no changes in regards to the fee structure whatsoever. So it stays exactly the same at 1.65 from superannuation, but no changes whatsoever in regards to that, and it is not a lock in contract. So at any point in time, you are not happy, not a lock in contract. And if it is\n\nChannel 1: Okay.\n\nChannel 0: that you are happy and you wanted to go ahead with the recommendation today or when you do get the document and have a chance to have a read over it, again, there's no additional fees and charges. It's all part of that ongoing service for you.\n\nChannel 1: Okay.\n\nChannel 0: Yep. Now I have also then showed you the premium for your Clearview insurances when it comes to the remuneration because we do get commissions on insurances. And\n\nChannel 1: Okay.\n\nChannel 0: that is 22% of the total premium yearly. Now that is clear view to the insurer paying us. It is not you paying us. But\n\nChannel 1: Okay.\n\nChannel 0: for compliance purposes, we have to disclose it so you are fully aware, and it is the same for every single insurer out there. So, like, it doesn't weigh us in any way to recommend one provider over the other. Does that\n\nChannel 1: Okay.\n\nChannel 0: all make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. And that was simply everything today. So pretty straightforward. Now it does summarize everything again that I have recommended that you stay in Hub 24, but we change you to the SMA.\n\nWe change you to that slightly cheaper product in Hub twenty four to save you a bit of fees, and then also looking at the salary sacrifice contribution into super for you.\n\nChannel 1: Yep. Sounds good.\n\nChannel 0: Now now just for your reference as well, so in the appendix, which is the second document when it does decide to come through, I have shown you what it looks like if you don't decide to go with the salary sacrifice just so you can see kind of more like apples to apples of the different recommendation as well. And so you also can see then the impact it has on if your salary sacrifice versus not salary sacrifice.\n\nChannel 1: Okay.\n\nChannel 0: Yeah. So that's all in the appendix for you. So, basically, from here is have a look through your inbox. I will check with as well. I haven't had anyone else had any issues with the documents, but I will triple check with them in case.\n\nIf you haven't received anything by tomorrow, even just let me know, but I'll follow-up on my end because it should say that it's come through, and you should receive it very soon, if not already, which is a little bit strange. But\n\nChannel 1: Yep.\n\nChannel 0: maybe there's just, like, a bit of a glitch. So just let me know how you go. Obviously, hopefully, that comes through soon so you can have a read over it. When you can see it in front of you as well, if you do have any questions or anything because, obviously, you couldn't see it now. Just feel free to even give me a callback or send me an email,\n\nChannel 1: Mhmm.\n\nChannel 0: and I can always give you another quick call just to kind of go through anything.\n\nChannel 1: Yep.\n\nChannel 0: Otherwise,\n\nChannel 1: Okay.\n\nChannel 0: from here is yeah. Take your time. Have a read over it. If you do have a read over it and you are happy to go ahead with the recommendation to move forward, it would just be to sign those documents. So you will just add your signature and date automatically.\n\nThat will then send it back to me, and that tells me that you are happy to go ahead with the recommendation. And then I will let the team know, and we can get started on that.\n\nChannel 1: Okay. No worries.\n\nChannel 0: Yeah.\n\nChannel 1: Sorry.\n\nChannel 0: Perfect.\n\nChannel 1: What was your name again? I'll just\n\nChannel 0: Veronica.\n\nChannel 1: turn it there. Veronica. Cool.\n\nChannel 0: Yep. Perfect. Now do you have any other questions or anything else for me at this stage, otherwise, before I let you go there, Owen?\n\nChannel 1: No. Not at the moment.\n\nChannel 0: No. Okay. Beautiful. Like I said, when you have a read through the documents, if there's anything you want to go through in a bit more detail, just let me know. But, otherwise, it is quite detailed.\n\nSo take your time and have a read over everything just to make sure you understand everything, and let me know if you do have any questions.\n\nChannel 1: Will do.\n\nChannel 0: No problem. Well,\n\nChannel 1: Alright.\n\nChannel 0: thank you so much for your time today, and I look forward to speaking with you soon again.\n\nChannel 1: Thanks very much. Have a good one.\n\nChannel 0: You too. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.64,"end":1.14,"sentiment":"neutral","sentiment_score":0.04245281592011452}],"sentiment":"neutral","sentiment_score":0.04245281592011452,"channel":1,"num_words":1,"start":0.64,"end":1.14},{"sentences":[{"text":"Good afternoon.","start":1.8399999,"end":2.56,"sentiment":"neutral","sentiment_score":0.27180004119873047},{"text":"Is this Owen?","start":2.56,"end":3.46,"sentiment":"neutral","sentiment_score":0.141929030418396}],"sentiment":"neutral","sentiment_score":0.1938774347305298,"channel":0,"num_words":5,"start":1.8399999,"end":3.46},{"sentences":[{"text":"Yes.","start":3.76,"end":4.26,"sentiment":"neutral","sentiment_score":0.13387128710746765}],"sentiment":"neutral","sentiment_score":0.13387128710746765,"channel":1,"num_words":1,"start":3.76,"end":4.26},{"sentences":[{"text":"This is Veronica from Acute Financial.","start":4.64,"end":6.66,"sentiment":"neutral","sentiment_score":0.21536833544572195},{"text":"How are you?","start":6.7999997,"end":7.62,"sentiment":"neutral","sentiment_score":0.24308554331461588}],"sentiment":"neutral","sentiment_score":0.22460740473535326,"channel":0,"num_words":9,"start":4.64,"end":7.62},{"sentences":[{"text":"I'm good.","start":7.52,"end":8.0,"sentiment":"positive","sentiment_score":0.5262777805328369},{"text":"How are you?","start":8.0,"end":8.82,"sentiment":"positive","sentiment_score":0.3507937788963318}],"sentiment":"positive","sentiment_score":0.42098737955093385,"channel":1,"num_words":5,"start":7.52,"end":8.82},{"sentences":[{"text":"Good.","start":8.96,"end":9.44,"sentiment":"positive","sentiment_score":0.48243042826652527},{"text":"Oh, good.","start":9.44,"end":9.92,"sentiment":"positive","sentiment_score":0.5668022632598877},{"text":"Thanks.","start":9.92,"end":10.42,"sentiment":"positive","sentiment_score":0.6624835729598999},{"text":"I had you booked in to kind of work through the research that I did for you in regards to your super investments and salary sacrifice.","start":11.44,"end":18.895,"sentiment":"neutral","sentiment_score":0.30606531924926317},{"text":"Is now still a","start":19.035,"end":19.595,"sentiment":"neutral","sentiment_score":0.22809118032455444}],"sentiment":"neutral","sentiment_score":0.32789945733897824,"channel":0,"num_words":34,"start":8.96,"end":19.595},{"sentences":[{"text":"Yep.","start":19.535,"end":20.035,"sentiment":"neutral","sentiment_score":0.26995915174484253}],"sentiment":"neutral","sentiment_score":0.26995915174484253,"channel":1,"num_words":1,"start":19.535,"end":20.035},{"sentences":[{"text":"good time for you?","start":19.595,"end":20.654999,"sentiment":"positive","sentiment_score":0.3834277540445328}],"sentiment":"positive","sentiment_score":0.3834277540445328,"channel":0,"num_words":4,"start":19.595,"end":20.654999},{"sentences":[{"text":"Yeah.","start":20.735,"end":21.135,"sentiment":"neutral","sentiment_score":0.1345815658569336},{"text":"Sure.","start":21.135,"end":21.635,"sentiment":"neutral","sentiment_score":0.17272931337356567}],"sentiment":"neutral","sentiment_score":0.15365543961524963,"channel":1,"num_words":2,"start":20.735,"end":21.635},{"sentences":[{"text":"Yeah.","start":21.994999,"end":22.494999,"sentiment":"neutral","sentiment_score":0.21328812837600708},{"text":"Perfect.","start":22.555,"end":23.055,"sentiment":"positive","sentiment_score":0.39685893058776855},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":23.435,"end":30.974998,"sentiment":"neutral","sentiment_score":0.04819299845859922}],"sentiment":"neutral","sentiment_score":0.06476593594397267,"channel":0,"num_words":31,"start":21.994999,"end":30.974998},{"sentences":[{"text":"Yep.","start":31.61,"end":32.11,"sentiment":"neutral","sentiment_score":0.13975678384304047}],"sentiment":"neutral","sentiment_score":0.13975678384304047,"channel":1,"num_words":1,"start":31.61,"end":32.11},{"sentences":[{"text":"Perfect.","start":32.75,"end":33.25,"sentiment":"positive","sentiment_score":0.362952172756195},{"text":"And just to confirm I am speaking with the right person, I do have a password on file for you.","start":33.31,"end":38.11,"sentiment":"neutral","sentiment_score":0.15051769763231276}],"sentiment":"neutral","sentiment_score":0.1606336250191643,"channel":0,"num_words":21,"start":32.75,"end":38.11},{"sentences":[{"text":"Yeah.","start":38.09,"end":38.57,"sentiment":"neutral","sentiment_score":0.025860492140054703}],"sentiment":"neutral","sentiment_score":0.025860492140054703,"channel":1,"num_words":1,"start":38.09,"end":38.57},{"sentences":[{"text":"Do you know who","start":38.11,"end":38.67,"sentiment":"neutral","sentiment_score":0.012092130724340677}],"sentiment":"neutral","sentiment_score":0.012092130724340677,"channel":0,"num_words":4,"start":38.11,"end":38.67},{"sentences":[{"text":"Luna","start":38.57,"end":39.05,"sentiment":"neutral","sentiment_score":0.02106691896915436}],"sentiment":"neutral","sentiment_score":0.02106691896915436,"channel":1,"num_words":1,"start":38.57,"end":39.05},{"sentences":[{"text":"that might","start":38.67,"end":39.15,"sentiment":"neutral","sentiment_score":0.017831549048423767}],"sentiment":"neutral","sentiment_score":0.017831549048423767,"channel":0,"num_words":2,"start":38.67,"end":39.15},{"sentences":[{"text":"five","start":39.05,"end":39.21,"sentiment":"neutral","sentiment_score":0.010718345642089844}],"sentiment":"neutral","sentiment_score":0.010718345642089844,"channel":1,"num_words":1,"start":39.05,"end":39.21},{"sentences":[{"text":"be?","start":39.15,"end":39.65,"sentiment":"neutral","sentiment_score":0.02414870262145996}],"sentiment":"neutral","sentiment_score":0.02414870262145996,"channel":0,"num_words":1,"start":39.15,"end":39.65},{"sentences":[{"text":"hundred.","start":39.21,"end":39.71,"sentiment":"neutral","sentiment_score":0.03207800164818764}],"sentiment":"neutral","sentiment_score":0.03207800164818764,"channel":1,"num_words":1,"start":39.21,"end":39.71},{"sentences":[{"text":"Yeah.","start":40.11,"end":40.51,"sentiment":"neutral","sentiment_score":0.1063758060336113},{"text":"Perfect.","start":40.51,"end":41.01,"sentiment":"positive","sentiment_score":0.3420674800872803},{"text":"That's the one.","start":41.07,"end":41.97,"sentiment":"neutral","sentiment_score":0.311648964881897},{"text":"And how's your day been so far?","start":42.35,"end":43.95,"sentiment":"neutral","sentiment_score":0.14034055492707662},{"text":"Been busy?","start":43.95,"end":44.77,"sentiment":"neutral","sentiment_score":0.026169697754085064}],"sentiment":"neutral","sentiment_score":0.17272239005459206,"channel":0,"num_words":14,"start":40.11,"end":44.77},{"sentences":[{"text":"Yeah.","start":44.455,"end":44.955,"sentiment":"neutral","sentiment_score":0.0978194996714592},{"text":"Fine.","start":45.335,"end":45.655,"sentiment":"neutral","sentiment_score":0.12563538551330566},{"text":"Yeah.","start":45.655,"end":46.155,"sentiment":"neutral","sentiment_score":0.10314162075519562},{"text":"Normal.","start":46.215,"end":46.715,"sentiment":"neutral","sentiment_score":0.12023185193538666}],"sentiment":"neutral","sentiment_score":0.11170708946883678,"channel":1,"num_words":4,"start":44.455,"end":46.715},{"sentences":[{"text":"Yeah.","start":46.415,"end":46.915,"sentiment":"neutral","sentiment_score":0.08028340339660645},{"text":"No.","start":47.215,"end":47.455,"sentiment":"neutral","sentiment_score":0.007126335054636002},{"text":"That's good.","start":47.455,"end":48.435,"sentiment":"neutral","sentiment_score":0.16316136717796326},{"text":"Now do you have access to your emails at the moment, Owen?","start":49.615,"end":52.435,"sentiment":"neutral","sentiment_score":0.019418845729281504}],"sentiment":"neutral","sentiment_score":0.04042241384740919,"channel":0,"num_words":16,"start":46.415,"end":52.435},{"sentences":[{"text":"Yep.","start":52.855,"end":53.175,"sentiment":"neutral","sentiment_score":0.01250714622437954},{"text":"Give me a minute.","start":53.175,"end":54.075,"sentiment":"neutral","sentiment_score":0.0022194888442754745}],"sentiment":"neutral","sentiment_score":0.004277020320296287,"channel":1,"num_words":5,"start":52.855,"end":54.075},{"sentences":[{"text":"Yep.","start":54.335,"end":54.655,"sentiment":"neutral","sentiment_score":0.08109903335571289},{"text":"Perfect.","start":54.655,"end":55.155,"sentiment":"neutral","sentiment_score":0.24245071411132812},{"text":"I've just sent it through, so it should come through shortly.","start":55.215,"end":57.875,"sentiment":"neutral","sentiment_score":0.11402856795625253},{"text":"It could end up in spam as well.","start":88.78,"end":90.71999,"sentiment":"negative","sentiment_score":-0.5001707337796688}],"sentiment":"neutral","sentiment_score":-0.11540485120245389,"channel":0,"num_words":21,"start":54.335,"end":90.71999},{"sentences":[{"text":"Just seeing.","start":91.19,"end":91.59,"sentiment":"neutral","sentiment_score":-0.1864275112748146},{"text":"I'm just waiting on it","start":91.59,"end":92.475,"sentiment":"neutral","sentiment_score":-0.0666135884821415}],"sentiment":"neutral","sentiment_score":-0.10084613785147667,"channel":1,"num_words":7,"start":91.19,"end":92.475},{"sentences":[{"text":"Let me just check here.","start":94.954994,"end":96.73499,"sentiment":"neutral","sentiment_score":-0.024478347972035408},{"text":"I said, this has been sent on my end, so it might just take a couple of minutes.","start":100.23499,"end":104.335,"sentiment":"neutral","sentiment_score":-0.002843123964137501}],"sentiment":"neutral","sentiment_score":-0.007546433531071829,"channel":0,"num_words":23,"start":94.954994,"end":104.335},{"sentences":[{"text":"it come through.","start":104.235,"end":105.065,"sentiment":"neutral","sentiment_score":0.03384389728307724}],"sentiment":"neutral","sentiment_score":0.03384389728307724,"channel":1,"num_words":3,"start":104.235,"end":105.065},{"sentences":[{"text":"Are you happy for me to kind of just 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definitely have come through by now.","start":372.26498,"end":374.60498,"sentiment":"neutral","sentiment_score":0.30092322267591953},{"text":"Let me just see if I can get someone else to try to send it if it's on my end.","start":376.66498,"end":380.445,"sentiment":"neutral","sentiment_score":0.059321376122534276},{"text":"Alright.","start":412.44,"end":412.75998,"sentiment":"neutral","sentiment_score":0.18610677123069763},{"text":"I'll try to get one of my colleagues to send it if there's, like, a little bit bug or anything on my side.","start":412.75998,"end":419.58,"sentiment":"neutral","sentiment_score":0.09229506714188535}],"sentiment":"neutral","sentiment_score":0.10967050282464873,"channel":0,"num_words":62,"start":370.345,"end":419.58},{"sentences":[{"text":"But, otherwise, you're happy for me to kind of go through and keep 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what I have recommended first when it comes to your superannuation is I did a lot of research on your hub twenty four accounts as well, just making sure that is still going to be the best option for you.","start":428.135,"end":442.72,"sentiment":"neutral","sentiment_score":0.22069171039251292},{"text":"And after doing the research, it's still very much at least competitive.","start":442.78,"end":447.28,"sentiment":"neutral","sentiment_score":0.2411032405992349}],"sentiment":"neutral","sentiment_score":0.21827585506252944,"channel":0,"num_words":56,"start":425.815,"end":447.28},{"sentences":[{"text":"It's really competitive when it comes to, like, fees and features and investment choices.","start":448.755,"end":453.17502,"sentiment":"positive","sentiment_score":0.43917985260486603},{"text":"So I haven't recommended that we change your Superfund, just keeping you in Hub 24.","start":454.035,"end":458.755,"sentiment":"neutral","sentiment_score":0.024298667907714844},{"text":"But it is good to do a bit of an update every now and then just to make sure because there's always new features and products that comes out.","start":458.755,"end":465.31,"sentiment":"positive","sentiment_score":0.4264288781018093}],"sentiment":"neutral","sentiment_score":0.32550750724200544,"channel":0,"num_words":58,"start":448.755,"end":465.31},{"sentences":[{"text":"Mhmm.","start":465.74002,"end":466.24002,"sentiment":"neutral","sentiment_score":0.07339847832918167},{"text":"Okay.","start":466.38,"end":466.88,"sentiment":"neutral","sentiment_score":0.11465590447187424}],"sentiment":"neutral","sentiment_score":0.09402719140052795,"channel":1,"num_words":2,"start":465.74002,"end":466.88},{"sentences":[{"text":"Now when it comes through the how things are structured for your investments as well, I have recommended a little bit of a change.","start":466.72998,"end":474.99,"sentiment":"neutral","sentiment_score":0.15302947132537761},{"text":"So do you remember receiving our newsletter at all","start":475.69,"end":480.505,"sentiment":"neutral","sentiment_score":0.05606699445181423}],"sentiment":"neutral","sentiment_score":0.12658515945076942,"channel":0,"num_words":33,"start":466.72998,"end":480.505},{"sentences":[{"text":"It it does","start":483.17,"end":484.39,"sentiment":"neutral","sentiment_score":0.04397071897983551}],"sentiment":"neutral","sentiment_score":0.04397071897983551,"channel":1,"num_words":3,"start":483.17,"end":484.39},{"sentences":[{"text":"recently?","start":484.405,"end":484.905,"sentiment":"neutral","sentiment_score":0.03090093284845352}],"sentiment":"neutral","sentiment_score":0.03090093284845352,"channel":0,"num_words":1,"start":484.405,"end":484.905},{"sentences":[{"text":"come through occasionally.","start":484.85,"end":486.07,"sentiment":"neutral","sentiment_score":0.02585821847120921}],"sentiment":"neutral","sentiment_score":0.02585821847120921,"channel":1,"num_words":3,"start":484.85,"end":486.07},{"sentences":[{"text":"Talking about BlackRock by any chance?","start":488.725,"end":491.065,"sentiment":"neutral","sentiment_score":0.0036034566971162954},{"text":"No?","start":491.365,"end":491.865,"sentiment":"neutral","sentiment_score":-0.05902213603258133},{"text":"It's","start":492.44,"end":492.76,"sentiment":"neutral","sentiment_score":-0.04634862393140793}],"sentiment":"neutral","sentiment_score":-0.010468752472661436,"channel":0,"num_words":8,"start":488.725,"end":492.76},{"sentences":[{"text":"Hang","start":492.69,"end":492.93002,"sentiment":"neutral","sentiment_score":-0.10651419311761856}],"sentiment":"neutral","sentiment_score":-0.10651419311761856,"channel":1,"num_words":1,"start":492.69,"end":492.93002},{"sentences":[{"text":"okay","start":492.76,"end":493.0,"sentiment":"neutral","sentiment_score":-0.024721290916204453}],"sentiment":"neutral","sentiment_score":-0.024721290916204453,"channel":0,"num_words":1,"start":492.76,"end":493.0},{"sentences":[{"text":"on.","start":492.93002,"end":493.43002,"sentiment":"neutral","sentiment_score":-0.03163257986307144}],"sentiment":"neutral","sentiment_score":-0.03163257986307144,"channel":1,"num_words":1,"start":492.93002,"end":493.43002},{"sentences":[{"text":"if you didn't.","start":493.0,"end":493.82,"sentiment":"neutral","sentiment_score":-0.06850853314002354}],"sentiment":"neutral","sentiment_score":-0.06850853314002354,"channel":0,"num_words":3,"start":493.0,"end":493.82},{"sentences":[{"text":"Because it a lot of this stuff, I just I skim over it, and then it doesn't","start":493.49002,"end":496.375,"sentiment":"neutral","sentiment_score":-0.07639166515539675}],"sentiment":"neutral","sentiment_score":-0.07639166515539675,"channel":1,"num_words":17,"start":493.49002,"end":496.375},{"sentences":[{"text":"No.","start":496.52002,"end":496.76,"sentiment":"neutral","sentiment_score":-0.06127248704433441},{"text":"It's 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you,","start":525.51996,"end":530.18,"sentiment":"neutral","sentiment_score":0.04418470252018709}],"sentiment":"neutral","sentiment_score":0.03532012977770397,"channel":0,"num_words":14,"start":524.72,"end":530.18},{"sentences":[{"text":"Mhmm.","start":530.855,"end":531.355,"sentiment":"neutral","sentiment_score":0.02561233565211296}],"sentiment":"neutral","sentiment_score":0.02561233565211296,"channel":1,"num_words":1,"start":530.855,"end":531.355},{"sentences":[{"text":"But, essentially, how it's different to how your current investments are structured.","start":532.105,"end":536.585,"sentiment":"neutral","sentiment_score":-0.0029011263201634088},{"text":"So it's still very similar in terms of the style of investments and how things are structured for you.","start":536.585,"end":541.805,"sentiment":"neutral","sentiment_score":0.10540391387123811},{"text":"But the main difference is basically how it's set 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and getting you to sign off on the document before we could go and make the change.","start":611.54,"end":625.03503,"sentiment":"neutral","sentiment_score":0.22629242291053137},{"text":"Does that","start":625.655,"end":626.05505,"sentiment":"neutral","sentiment_score":0.20868925750255585}],"sentiment":"neutral","sentiment_score":0.20372589219671985,"channel":0,"num_words":96,"start":591.635,"end":626.05505},{"sentences":[{"text":"Okay.","start":625.94,"end":626.44,"sentiment":"neutral","sentiment_score":0.23515304923057556}],"sentiment":"neutral","sentiment_score":0.23515304923057556,"channel":1,"num_words":1,"start":625.94,"end":626.44},{"sentences":[{"text":"make 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essentially.","start":663.45,"end":677.925,"sentiment":"positive","sentiment_score":0.41564856717983883}],"sentiment":"positive","sentiment_score":0.41564856717983883,"channel":0,"num_words":36,"start":663.45,"end":677.925},{"sentences":[{"text":"Yep.","start":678.5,"end":679.0,"sentiment":"positive","sentiment_score":0.39241278171539307}],"sentiment":"positive","sentiment_score":0.39241278171539307,"channel":1,"num_words":1,"start":678.5,"end":679.0},{"sentences":[{"text":"So for you, I have recommended the SMA at this time.","start":678.865,"end":682.40497,"sentiment":"positive","sentiment_score":0.43767311898144806},{"text":"I did consider a lot of different options as well because I wanted to make sure that if the SMA was going to be the best for you.","start":682.83,"end":689.57,"sentiment":"positive","sentiment_score":0.4315905975443976},{"text":"So I did consider a lot of other investment options, so not the SMA and just different portfolio constructions within Hub twenty 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your middle or full I guess, your middle account.","start":724.66504,"end":730.125,"sentiment":"neutral","sentiment_score":0.2897135830587811},{"text":"So it is","start":730.185,"end":730.745,"sentiment":"positive","sentiment_score":0.40591397881507874}],"sentiment":"positive","sentiment_score":0.3422786517470491,"channel":0,"num_words":51,"start":714.93005,"end":730.745},{"sentences":[{"text":"Mhmm.","start":730.63,"end":731.13,"sentiment":"positive","sentiment_score":0.39044827222824097}],"sentiment":"positive","sentiment_score":0.39044827222824097,"channel":1,"num_words":1,"start":730.63,"end":731.13},{"sentences":[{"text":"a little bit cheaper because you don't have to pay as much in admin fee, but it does give you access through the the SMA.","start":730.745,"end":737.245,"sentiment":"positive","sentiment_score":0.4376098871231079},{"text":"So, essentially, on an overview, by changing to the SMA when it comes to fees alone, it will save you about $500 a year in in fees alone, which is pretty good.","start":737.85,"end":751.31,"sentiment":"positive","sentiment_score":0.6691567655652761},{"text":"Yeah.","start":753.245,"end":753.64496,"sentiment":"neutral","sentiment_score":0.10207879543304443},{"text":"Have you still not received the document they're","start":753.64496,"end":755.485,"sentiment":"neutral","sentiment_score":-0.009783591143786907}],"sentiment":"positive","sentiment_score":0.4905617233704437,"channel":0,"num_words":66,"start":730.745,"end":755.485},{"sentences":[{"text":"Okay.","start":755.3,"end":755.7,"sentiment":"neutral","sentiment_score":-0.03562340885400772}],"sentiment":"neutral","sentiment_score":-0.03562340885400772,"channel":1,"num_words":1,"start":755.3,"end":755.7},{"sentences":[{"text":"on?","start":755.485,"end":755.985,"sentiment":"neutral","sentiment_score":-0.01042337715625763}],"sentiment":"neutral","sentiment_score":-0.01042337715625763,"channel":0,"num_words":1,"start":755.485,"end":755.985},{"sentences":[{"text":"Now, do you wanna double check the email address you're sending to?","start":755.7,"end":758.505,"sentiment":"neutral","sentiment_score":-0.00007651699706912026}],"sentiment":"neutral","sentiment_score":-0.00007651699706912026,"channel":1,"num_words":12,"start":755.7,"end":758.505},{"sentences":[{"text":"Yes.","start":759.005,"end":759.40497,"sentiment":"neutral","sentiment_score":0.034195005893707275},{"text":"Let me have a look at that for you.","start":759.40497,"end":761.505,"sentiment":"neutral","sentiment_score":0.06051210810740789},{"text":"So I have obrady@tpg.com.au.","start":768.06,"end":772.64,"sentiment":"neutral","sentiment_score":0.04704697243869305}],"sentiment":"neutral","sentiment_score":0.054785133472510746,"channel":0,"num_words":14,"start":759.005,"end":772.64},{"sentences":[{"text":"Yep, 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other.","start":1395.235,"end":1399.315,"sentiment":"neutral","sentiment_score":0.057822943199425936},{"text":"Does that","start":1399.315,"end":1399.715,"sentiment":"neutral","sentiment_score":0.09661111235618591}],"sentiment":"neutral","sentiment_score":0.09230717892448108,"channel":0,"num_words":42,"start":1388.595,"end":1399.715},{"sentences":[{"text":"Okay.","start":1399.655,"end":1400.155,"sentiment":"neutral","sentiment_score":0.11385070532560349}],"sentiment":"neutral","sentiment_score":0.11385070532560349,"channel":1,"num_words":1,"start":1399.655,"end":1400.155},{"sentences":[{"text":"all make sense?","start":1399.715,"end":1400.49,"sentiment":"neutral","sentiment_score":0.10929862161477406}],"sentiment":"neutral","sentiment_score":0.10929862161477406,"channel":0,"num_words":3,"start":1399.715,"end":1400.49},{"sentences":[{"text":"Yep.","start":1400.935,"end":1401.24,"sentiment":"neutral","sentiment_score":0.1300635188817978}],"sentiment":"neutral","sentiment_score":0.1300635188817978,"channel":1,"num_words":1,"start":1400.935,"end":1401.24},{"sentences":[{"text":"Yep.","start":1401.69,"end":1402.19,"sentiment":"neutral","sentiment_score":0.1996130049228668},{"text":"Perfect.","start":1402.41,"end":1402.91,"sentiment":"positive","sentiment_score":0.5210164785385132},{"text":"And that was simply everything today.","start":1402.97,"end":1405.61,"sentiment":"positive","sentiment_score":0.46076414982477826},{"text":"So pretty straightforward.","start":1405.61,"end":1406.75,"sentiment":"positive","sentiment_score":0.48170381784439087},{"text":"Now it does summarize everything again that I have recommended that you stay in Hub 24, but we change you to the SMA.","start":1407.9299,"end":1416.415,"sentiment":"neutral","sentiment_score":0.20124463396875755}],"sentiment":"neutral","sentiment_score":0.28114565933013663,"channel":0,"num_words":34,"start":1401.69,"end":1416.415},{"sentences":[{"text":"We change you to that slightly cheaper product in Hub twenty four to save you a bit of fees, and then also looking at the salary sacrifice contribution into super for you.","start":1416.4751,"end":1427.04,"sentiment":"positive","sentiment_score":0.3374884454533458}],"sentiment":"positive","sentiment_score":0.3374884454533458,"channel":0,"num_words":32,"start":1416.4751,"end":1427.04},{"sentences":[{"text":"Yep.","start":1427.605,"end":1428.005,"sentiment":"positive","sentiment_score":0.5226012468338013},{"text":"Sounds good.","start":1428.005,"end":1428.8251,"sentiment":"positive","sentiment_score":0.7417015731334686}],"sentiment":"positive","sentiment_score":0.6686681310335795,"channel":1,"num_words":3,"start":1427.605,"end":1428.8251},{"sentences":[{"text":"Now now just for your reference as well, so in the appendix, which is the second document when it does decide to come through, I have shown you what it looks like if you don't decide to go with the salary sacrifice just so you can see kind of more like apples to apples of the different recommendation as well.","start":1428.7201,"end":1448.0951,"sentiment":"neutral","sentiment_score":0.28309080973267553},{"text":"And so you also can see then the impact it has on if your salary sacrifice versus not salary sacrifice.","start":1448.0951,"end":1454.5951,"sentiment":"neutral","sentiment_score":0.15832017231732606}],"sentiment":"neutral","sentiment_score":0.25189815037883817,"channel":0,"num_words":80,"start":1428.7201,"end":1454.5951},{"sentences":[{"text":"Okay.","start":1455.245,"end":1455.745,"sentiment":"neutral","sentiment_score":0.12431277334690094}],"sentiment":"neutral","sentiment_score":0.12431277334690094,"channel":1,"num_words":1,"start":1455.245,"end":1455.745},{"sentences":[{"text":"Yeah.","start":1455.9299,"end":1456.25,"sentiment":"neutral","sentiment_score":0.13429121673107147},{"text":"So that's all in the appendix for you.","start":1456.25,"end":1458.6699,"sentiment":"neutral","sentiment_score":0.23493998683989048},{"text":"So, basically, from here is have a look through your inbox.","start":1459.37,"end":1463.95,"sentiment":"neutral","sentiment_score":0.17677786539901386},{"text":"I will check with as well.","start":1465.85,"end":1467.4349,"sentiment":"neutral","sentiment_score":0.1364844267566999},{"text":"I haven't had anyone else had any issues with the documents, but I will triple check with them in case.","start":1467.4349,"end":1475.5349,"sentiment":"neutral","sentiment_score":0.06275726016610861}],"sentiment":"neutral","sentiment_score":0.13113955205873304,"channel":0,"num_words":46,"start":1455.9299,"end":1475.5349},{"sentences":[{"text":"If you haven't received anything by tomorrow, even just let me know, but I'll follow-up on my end because it should say that it's come through, and you should receive it very soon, if not already, which is a little bit strange.","start":1475.595,"end":1488.8099,"sentiment":"neutral","sentiment_score":0.10350133469771772},{"text":"But","start":1489.35,"end":1489.51,"sentiment":"neutral","sentiment_score":-0.0029691308736801147}],"sentiment":"neutral","sentiment_score":0.10102527735884799,"channel":0,"num_words":43,"start":1475.595,"end":1489.51},{"sentences":[{"text":"Yep.","start":1489.455,"end":1489.77,"sentiment":"neutral","sentiment_score":-0.025065388530492783}],"sentiment":"neutral","sentiment_score":-0.025065388530492783,"channel":1,"num_words":1,"start":1489.455,"end":1489.77},{"sentences":[{"text":"maybe there's just, like, a bit of a glitch.","start":1489.51,"end":1491.11,"sentiment":"neutral","sentiment_score":-0.2133110927210914},{"text":"So just let me know how you go.","start":1491.11,"end":1492.39,"sentiment":"neutral","sentiment_score":0.0280368709936738},{"text":"Obviously, hopefully, that comes through soon so you can have a read over it.","start":1492.39,"end":1495.545,"sentiment":"neutral","sentiment_score":0.2098982690700463},{"text":"When you can see it in front of you as well, if you do have any questions or anything because, obviously, you couldn't see it now.","start":1495.9451,"end":1501.4651,"sentiment":"neutral","sentiment_score":0.15822948658695588},{"text":"Just feel free to even give me a callback or send me an email,","start":1501.4651,"end":1504.365,"sentiment":"neutral","sentiment_score":0.11538799107074738}],"sentiment":"neutral","sentiment_score":0.09820379474213425,"channel":0,"num_words":71,"start":1489.51,"end":1504.365},{"sentences":[{"text":"Mhmm.","start":1504.81,"end":1505.145,"sentiment":"neutral","sentiment_score":0.10906891524791718}],"sentiment":"neutral","sentiment_score":0.10906891524791718,"channel":1,"num_words":1,"start":1504.81,"end":1505.145},{"sentences":[{"text":"and I can always give you another quick call just to kind of go through anything.","start":1504.905,"end":1508.765,"sentiment":"neutral","sentiment_score":0.13244794448837638}],"sentiment":"neutral","sentiment_score":0.13244794448837638,"channel":0,"num_words":16,"start":1504.905,"end":1508.765},{"sentences":[{"text":"Yep.","start":1509.385,"end":1509.885,"sentiment":"neutral","sentiment_score":0.12538835406303406}],"sentiment":"neutral","sentiment_score":0.12538835406303406,"channel":1,"num_words":1,"start":1509.385,"end":1509.885},{"sentences":[{"text":"Otherwise,","start":1510.3401,"end":1510.8401,"sentiment":"neutral","sentiment_score":0.13437850773334503}],"sentiment":"neutral","sentiment_score":0.13437850773334503,"channel":0,"num_words":1,"start":1510.3401,"end":1510.8401},{"sentences":[{"text":"Okay.","start":1510.345,"end":1510.845,"sentiment":"neutral","sentiment_score":0.2173922061920166}],"sentiment":"neutral","sentiment_score":0.2173922061920166,"channel":1,"num_words":1,"start":1510.345,"end":1510.845},{"sentences":[{"text":"from here is yeah.","start":1510.9,"end":1512.02,"sentiment":"neutral","sentiment_score":0.18089067563414574},{"text":"Take your time.","start":1512.02,"end":1512.5801,"sentiment":"neutral","sentiment_score":0.26124216119448346},{"text":"Have a read over it.","start":1512.5801,"end":1513.7001,"sentiment":"neutral","sentiment_score":0.23628060519695282},{"text":"If you do have a read over it and you are happy to go ahead with the recommendation to move forward, it would just be to sign those documents.","start":1513.7001,"end":1521.8601,"sentiment":"positive","sentiment_score":0.3814173875183895},{"text":"So you will just add your signature and date automatically.","start":1521.8601,"end":1525.2949,"sentiment":"neutral","sentiment_score":0.32648180723190307}],"sentiment":"positive","sentiment_score":0.3336198925971985,"channel":0,"num_words":51,"start":1510.9,"end":1525.2949},{"sentences":[{"text":"That will then send it back to me, and that tells me that you are happy to go ahead with the recommendation.","start":1525.995,"end":1530.815,"sentiment":"positive","sentiment_score":0.5004727894609625},{"text":"And then I will let the team know, and we can get started on that.","start":1531.115,"end":1534.255,"sentiment":"neutral","sentiment_score":0.32107860247294107}],"sentiment":"positive","sentiment_score":0.4277454163577106,"channel":0,"num_words":37,"start":1525.995,"end":1534.255},{"sentences":[{"text":"Okay.","start":1534.935,"end":1535.255,"sentiment":"neutral","sentiment_score":0.14230071008205414},{"text":"No worries.","start":1535.255,"end":1535.995,"sentiment":"neutral","sentiment_score":0.1701825112104416}],"sentiment":"neutral","sentiment_score":0.1608885775009791,"channel":1,"num_words":3,"start":1534.935,"end":1535.995},{"sentences":[{"text":"Yeah.","start":1535.6749,"end":1536.03,"sentiment":"neutral","sentiment_score":0.16279518604278564}],"sentiment":"neutral","sentiment_score":0.16279518604278564,"channel":0,"num_words":1,"start":1535.6749,"end":1536.03},{"sentences":[{"text":"Sorry.","start":1536.2151,"end":1536.535,"sentiment":"neutral","sentiment_score":0.22900471091270447}],"sentiment":"neutral","sentiment_score":0.22900471091270447,"channel":1,"num_words":1,"start":1536.2151,"end":1536.535},{"sentences":[{"text":"Perfect.","start":1536.51,"end":1537.01,"sentiment":"positive","sentiment_score":0.4104975461959839}],"sentiment":"positive","sentiment_score":0.4104975461959839,"channel":0,"num_words":1,"start":1536.51,"end":1537.01},{"sentences":[{"text":"What was your name again?","start":1536.535,"end":1537.495,"sentiment":"neutral","sentiment_score":0.13451190739870073},{"text":"I'll just","start":1537.495,"end":1538.135,"sentiment":"neutral","sentiment_score":0.05962107703089714}],"sentiment":"neutral","sentiment_score":0.11311452729361397,"channel":1,"num_words":7,"start":1536.535,"end":1538.135},{"sentences":[{"text":"Veronica.","start":1537.79,"end":1538.29,"sentiment":"neutral","sentiment_score":0.06127846986055374}],"sentiment":"neutral","sentiment_score":0.06127846986055374,"channel":0,"num_words":1,"start":1537.79,"end":1538.29},{"sentences":[{"text":"turn it there.","start":1538.135,"end":1538.875,"sentiment":"neutral","sentiment_score":0.09910594671964645},{"text":"Veronica.","start":1539.255,"end":1539.755,"sentiment":"neutral","sentiment_score":0.14254644513130188},{"text":"Cool.","start":1539.9751,"end":1540.4751,"sentiment":"positive","sentiment_score":0.48950064182281494}],"sentiment":"neutral","sentiment_score":0.18587298542261124,"channel":1,"num_words":5,"start":1538.135,"end":1540.4751},{"sentences":[{"text":"Yep.","start":1540.35,"end":1540.85,"sentiment":"positive","sentiment_score":0.4419872760772705},{"text":"Perfect.","start":1540.99,"end":1541.49,"sentiment":"positive","sentiment_score":0.7085210084915161},{"text":"Now do you have any other questions or anything else for me at this stage, otherwise, before I let you go there, Owen?","start":1542.43,"end":1549.0901,"sentiment":"neutral","sentiment_score":0.07621099775576073}],"sentiment":"neutral","sentiment_score":0.11613444931805134,"channel":0,"num_words":25,"start":1540.35,"end":1549.0901},{"sentences":[{"text":"No.","start":1549.0299,"end":1549.4299,"sentiment":"neutral","sentiment_score":-0.1747216433286667},{"text":"Not at the moment.","start":1549.4299,"end":1550.33,"sentiment":"neutral","sentiment_score":-0.21945783495903015}],"sentiment":"neutral","sentiment_score":-0.21051059663295746,"channel":1,"num_words":5,"start":1549.0299,"end":1550.33},{"sentences":[{"text":"No.","start":1550.305,"end":1550.785,"sentiment":"neutral","sentiment_score":-0.11032269150018692},{"text":"Okay.","start":1550.785,"end":1551.185,"sentiment":"neutral","sentiment_score":0.16609454154968262},{"text":"Beautiful.","start":1551.185,"end":1551.685,"sentiment":"positive","sentiment_score":0.5326888561248779},{"text":"Like I said, when you have a read through the documents, if there's anything you want to go through in a bit more detail, just let me know.","start":1552.145,"end":1558.4651,"sentiment":"neutral","sentiment_score":0.21270629949867725},{"text":"But, otherwise, it is quite detailed.","start":1558.4651,"end":1560.305,"sentiment":"neutral","sentiment_score":0.11956378072500229}],"sentiment":"neutral","sentiment_score":0.19625999395911758,"channel":0,"num_words":37,"start":1550.305,"end":1560.305},{"sentences":[{"text":"So take your time and have a read over everything just to make sure you understand everything, and let me know if you do have any questions.","start":1560.305,"end":1566.08,"sentiment":"neutral","sentiment_score":0.20162916211066423}],"sentiment":"neutral","sentiment_score":0.20162916211066423,"channel":0,"num_words":27,"start":1560.305,"end":1566.08},{"sentences":[{"text":"Will do.","start":1566.4049,"end":1567.225,"sentiment":"positive","sentiment_score":0.34976936876773834}],"sentiment":"positive","sentiment_score":0.34976936876773834,"channel":1,"num_words":2,"start":1566.4049,"end":1567.225},{"sentences":[{"text":"No problem.","start":1567.82,"end":1568.38,"sentiment":"positive","sentiment_score":0.4542156457901001},{"text":"Well,","start":1568.38,"end":1568.5399,"sentiment":"positive","sentiment_score":0.432454526424408}],"sentiment":"positive","sentiment_score":0.4469619393348694,"channel":0,"num_words":3,"start":1567.82,"end":1568.5399},{"sentences":[{"text":"Alright.","start":1568.4808,"end":1568.9808,"sentiment":"positive","sentiment_score":0.5763972997665405}],"sentiment":"positive","sentiment_score":0.5763972997665405,"channel":1,"num_words":1,"start":1568.4808,"end":1568.9808},{"sentences":[{"text":"thank you so much for your time today, and I look forward to speaking with you soon again.","start":1568.5399,"end":1571.76,"sentiment":"positive","sentiment_score":0.8452884389294518}],"sentiment":"positive","sentiment_score":0.8452884389294518,"channel":0,"num_words":18,"start":1568.5399,"end":1571.76},{"sentences":[{"text":"Thanks very much.","start":1571.7609,"end":1572.4808,"sentiment":"positive","sentiment_score":0.8802691300710043},{"text":"Have a good one.","start":1572.4808,"end":1573.4608,"sentiment":"positive","sentiment_score":0.7822681814432144}],"sentiment":"positive","sentiment_score":0.8242685879979815,"channel":1,"num_words":7,"start":1571.7609,"end":1573.4608},{"sentences":[{"text":"You too.","start":1573.5,"end":1574.22,"sentiment":"positive","sentiment_score":0.5699127018451691},{"text":"Bye.","start":1574.22,"end":1574.72,"sentiment":"positive","sentiment_score":0.3374588191509247}],"sentiment":"positive","sentiment_score":0.49242807428042096,"channel":0,"num_words":3,"start":1573.5,"end":1574.72},{"sentences":[{"text":"Bye.","start":1574.6409,"end":1575.1409,"sentiment":"neutral","sentiment_score":-0.1071157082915306}],"sentiment":"neutral","sentiment_score":-0.1071157082915306,"channel":1,"num_words":1,"start":1574.6409,"end":1575.1409}]},"summary":{"result":"success","short":"During a call with Acute Financial, Owen discusses his investment research with a representative. They go over the details of Owen's investment portfolio and provide personalized advice on risk profiles and goals. The speaker recommends updating risk profiles and investment choices, emphasizes the benefits of the risk transfer program, and provides information on asset allocation and contributions. They also explain the benefits of high growth and low volatility in the current portfolio and emphasize the importance of reviewing everything to make a decision."},"intents":{"segments":[{"text":"If you need any more time than that, just let me know because I'll just have to reconfirm your information, and I can get it updated if it's free. Does that all make sense?","start_word":435,"end_word":468,"intents":[{"intent":"Update information","confidence_score":0.06532522}]},{"text":"The goal is just to review your superannuation, give you a bit of an update of where things are at at the moment, and then also kind of start planning for retirement to see if you, you know, are on track for everything and how things are going.","start_word":713,"end_word":760,"intents":[{"intent":"Review superannuation","confidence_score":0.80322176}]},{"text":"And then also reviewing some of your investments, making sure they're all performing as they should or if we wanted to make any changes.","start_word":760,"end_word":783,"intents":[{"intent":"Review investments","confidence_score":0.44170487}]},{"text":"Also looking at salary sacrificing about a $100 per month.","start_word":784,"end_word":793,"intents":[{"intent":"Review salary","confidence_score":0.15813947}]},{"text":"Also looking at salary sacrificing about a $100 per month. To show you, we're not making any changes in regards to insurances. So it is pretty straightforward today. Does that all make sense? Yeah.","start_word":784,"end_word":817,"intents":[{"intent":"Make changes","confidence_score":0.1802092}]},{"text":"Now, again, when you do have a look through, you'll see a couple of pages, just some personalized information about you. Just have a bit of a read over it as well just to make sure that's all up to date.","start_word":820,"end_word":860,"intents":[{"intent":"Understand personal information","confidence_score":0.0073322263}]},{"text":"Otherwise, when it comes to your risk profile so there's a couple of pages talking about your risk profile as well.","start_word":861,"end_word":881,"intents":[{"intent":"Improve risk profile","confidence_score":0.0017784035}]},{"text":"me have let me have a bit of a look. It should definitely have come through by now. Let me just see if I can get someone else to try to send it if it's on my end.","start_word":975,"end_word":1012,"intents":[{"intent":"Send questionnaire","confidence_score":0.15932237}]},{"text":"I'll try to get one of my colleagues to send it if there's, like, a little bit bug or anything on my side.","start_word":1014,"end_word":1036,"intents":[{"intent":"Get coworker to send questionnaire","confidence_score":0.035279177}]},{"text":"Now what I have recommended first when it comes to your superannuation is I did a lot of research on your hub twenty four accounts as well, just making sure that is still going to be the best option for you.","start_word":1063,"end_word":1103,"intents":[{"intent":"Confirm guru's advice","confidence_score":7.9443396e-7}]},{"text":"So I haven't recommended that we change your Superfund, just keeping you in Hub 24. But it is good to do a bit of an update every now and then just to make sure because there's always new features and products that comes out. Mhmm. Okay.","start_word":1130,"end_word":1175,"intents":[{"intent":"Update superfund status","confidence_score":0.000021817928}]},{"text":"So the difference with the SMA is that, basically, you would be invested in, like, the the OQ BlackRock SMA. And within that SMA, you still have, you know, similar amount of different investments and diversification and everything like that that you have now.","start_word":1530,"end_word":1573,"intents":[{"intent":"Educate about sma options","confidence_score":0.002392756}]},{"text":"Now basically talking about the fees and everything, when it does decide to come through, it's page 16. So that one shows you in a, like, a bit of a fee comparison table Mhmm. how the recommendation is actually displayed, and it shows you a bit of a projection to five and ten years as well to show you the difference.","start_word":2147,"end_word":2207,"intents":[{"intent":"Comparing fees and fees","confidence_score":0.00009484857},{"intent":"Comparing fees and the status","confidence_score":0.0001384672},{"intent":"Comparing expenses and investments","confidence_score":0.00001629362}]},{"text":"how the recommendation is actually displayed, and it shows you a bit of a projection to five and ten years as well to show you the difference. And it also kinda give you a good kind of, assessment of where you are tracking and how things are at.","start_word":2181,"end_word":2228,"intents":[{"intent":"Providing a comparison table","confidence_score":0.040953502}]},{"text":"options I did research for you. It also talks about the advantages, which a lot of it is the fee that I mentioned as well, but then also kind of that flexibility that allows us to do very quickly with the investments like I mentioned and then also utilizing BlackRock's expertise.","start_word":2319,"end_word":2369,"intents":[{"intent":"Educate about investment options","confidence_score":0.034660496}]},{"text":"Now I've also then done a twelve month for you as well just to show you a bit more up to date. Obviously, there's a lot happening in the last twelve months, but then also kind of how its positioned moving forward. So in the last twelve months, current, it's about 12.03 before fees, and recommended is about 14.64. So, again, performing Yep. a little bit better.","start_word":2616,"end_word":2682,"intents":[{"intent":"Assess portfolio performance","confidence_score":0.13815518}]},{"text":"So on page 21, when you do receive it, it will show you your current position. The first, it breaks down your current salary, your taxable income, tax on taxable income, and then kind of the the net income after tax. It then Thank shows you.","start_word":3005,"end_word":3050,"intents":[{"intent":"Analyze benefits and investments","confidence_score":0.0003002665}]},{"text":"Now it does summarize everything again that I have recommended that you stay in Hub 24, but we change you to the SMA.","start_word":3736,"end_word":3758,"intents":[{"intent":"Recommend staying in hub 24","confidence_score":0.04817173}]},{"text":"We change you to that slightly cheaper product in Hub twenty four to save you a bit of fees, and then also looking at the salary sacrifice contribution into super for you.","start_word":3760,"end_word":3791,"intents":[{"intent":"Change product","confidence_score":0.6420133}]},{"text":"Now now just for your reference as well, so in the appendix, which is the second document when it does decide to come through, I have shown you what it looks like if you don't decide to go with the salary sacrifice just so you can see kind of more like apples to apples of the different recommendation as well. And so you also can see then the impact it has on if your salary sacrifice versus not salary sacrifice. Okay. Yeah.","start_word":3794,"end_word":3875,"intents":[{"intent":"Understand impact of salary sacrifice","confidence_score":0.009000778}]},{"text":"I haven't had anyone else had any issues with the documents, but I will triple check with them in case. If you haven't received anything by tomorrow, even just let me know, but I'll follow-up on my end because it should say that it's come through, and you should receive it very soon, if not already, which is a little bit strange. But Yep.","start_word":3901,"end_word":3964,"intents":[{"intent":"Check documents","confidence_score":0.3147013}]},{"text":"If you haven't received anything by tomorrow, even just let me know, but I'll follow-up on my end because it should say that it's come through, and you should receive it very soon, if not already, which is a little bit strange. But Yep.","start_word":3921,"end_word":3964,"intents":[{"intent":"Follow-up on recommendations","confidence_score":0.023533596}]},{"text":"If you do have a read over it and you are happy to go ahead with the recommendation to move forward, it would just be to sign those documents. So you will just add your signature and date automatically. That will then send it back to me, and that tells me that you are happy to go ahead with the recommendation. And then I will let the team know, and we can get started on that. Okay.","start_word":4068,"end_word":4144,"intents":[{"intent":"Provide instructions for document submission","confidence_score":0.000098922115}]}]},"sentiments":{"segments":[{"text":"Hello? Good afternoon. Is this Owen? Yes. This is Veronica from Acute Financial. How are you?","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.19278745353221893},{"text":"I'm good. How are you? Good. Oh, good. Thanks.","start_word":16,"end_word":24,"sentiment":"positive","sentiment_score":0.5078136324882507},{"text":"I had you booked in to kind of work through the research that I did for you in regards to your super investments and salary sacrifice. Is now still a Yep.","start_word":25,"end_word":55,"sentiment":"neutral","sentiment_score":0.28915587067604065},{"text":"good time for you?","start_word":56,"end_word":59,"sentiment":"positive","sentiment_score":0.36346593499183655},{"text":"Yeah. Sure. Yeah.","start_word":60,"end_word":62,"sentiment":"neutral","sentiment_score":0.17353300750255585},{"text":"Perfect.","start_word":63,"end_word":63,"sentiment":"positive","sentiment_score":0.39685893058776855},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep.","start_word":64,"end_word":93,"sentiment":"neutral","sentiment_score":0.05828216299414635},{"text":"Perfect.","start_word":94,"end_word":94,"sentiment":"positive","sentiment_score":0.362952172756195},{"text":"And just to confirm I am speaking with the right person, I do have a password on file for you. Yeah. Do you know who Luna that might five be? hundred. Yeah.","start_word":95,"end_word":126,"sentiment":"neutral","sentiment_score":0.1017334908246994},{"text":"Perfect.","start_word":127,"end_word":127,"sentiment":"positive","sentiment_score":0.3420674800872803},{"text":"That's the one. And how's your day been so far? Been busy? Yeah. Fine. Yeah. Normal. Yeah. No. That's good. Now do you have access to your emails at the moment, Owen? Yep. Give me a minute. Yep. Perfect. I've just sent it through, so it should come through shortly.","start_word":128,"end_word":177,"sentiment":"neutral","sentiment_score":0.09742536395788191},{"text":"It could end up in spam as well.","start_word":178,"end_word":185,"sentiment":"negative","sentiment_score":-0.4939371347427368},{"text":"Just seeing. I'm just waiting on it Let me just check here. I said, this has been sent on my end, so it might just take a couple of minutes. it come through. Are you happy for me to kind of just start Mhmm. going Yeah. Go through a couple for it. of things, and then you just interrupt me as soon as it comes through? And if you haven't got it Yep. in five minutes, I'll just resend it and see if that works. Okay. Yep.","start_word":186,"end_word":272,"sentiment":"neutral","sentiment_score":0.02208002656698227},{"text":"Perfect.","start_word":273,"end_word":273,"sentiment":"positive","sentiment_score":0.34391358494758606},{"text":"Now every time we do make a recommendation and give you personalized advice, we have to put everything in this statement of advice for you, which is the document you will see when your email does come through. Now it is 31 pages, so it is quite long. I won't go through all of it. Mhmm. It is pretty straightforward, but a lot of it is just for compliance purposes as well just to make sure you fully understand everything. Now on the cover page as well, you will see that this is tailored specifically for you, and you will also see my details on the cover page. You will see my authorized representative number listed there, and I am licensed under OPU Financial. It is also valid for sixty days. But if you do need some time to have a think about what you want to do, that is no problem. It is valid, like I said, for sixty days. If you need any more time than that, just let me know because I'll just have to reconfirm your information, and I can get it updated if it's free. Does that all make sense? Okay. Yep.","start_word":274,"end_word":470,"sentiment":"neutral","sentiment_score":0.16606092294158065},{"text":"Perfect.","start_word":471,"end_word":471,"sentiment":"positive","sentiment_score":0.5292083621025085},{"text":"Now on page two, it talks a little bit about their best interest duty. Do you remember hearing about that before? Yep. Sorry. Run it on by me again. You're breaking No. That's up okay. The best a interest duty, do you remember bit. hearing about that before? I probably have, but I don't remember it. No. That's all good. Essentially, it outlines that we have to act in your best interest at all time, and the advice itself has to put you in a better position as a result Mhmm. of the advice. Otherwise, we can't actually make the recommendation. Okay.","start_word":472,"end_word":573,"sentiment":"neutral","sentiment_score":-0.013942381367087364},{"text":"And if I don't act in your best interest, then I will lose my license. And if I lose my license, I will lose my job, and that might not be too good.","start_word":574,"end_word":606,"sentiment":"negative","sentiment_score":-0.5073828101158142},{"text":"Yep. So, Fair essentially, enough. there's a lot in place to protect you and make sure that we do everything for you, essentially. Yep. Okay. Has that still not come through yet? No. I haven't received it yet. No. Alright. Let me see if I can Not in resend the spam either. it. Alright. So it says it's been recent. So I'll give it another little bit and see how that goes. Essentially, the statement of advisers, well, outlines a couple of pages talking about goals of advice. Basically, what that means is the areas we are looking at today. So it is pretty straightforward. The goal is just to review your superannuation, give you a bit of an update of where things are at at the moment, and then also kind of start planning for retirement to see if you, you know, are on track for everything and how things are going. And then also reviewing some of your investments, making sure they're all performing as they should or if we wanted to make any changes. Also looking at salary sacrificing about a $100 per month. To show you, we're not making any changes in regards to insurances. So it is pretty straightforward today. Does that all make sense? Yeah. Yeah.","start_word":607,"end_word":818,"sentiment":"neutral","sentiment_score":0.12038941568923446},{"text":"Perfect. Now, again, when you do have a look through, you'll see a couple of pages, just some personalized information about you.","start_word":819,"end_word":840,"sentiment":"positive","sentiment_score":0.37774330377578735},{"text":"Just have a bit of a read over it as well just to make sure that's all up to date. Otherwise, when it comes to your risk profile so there's a couple of pages talking about your risk profile as well. Now it shows you that when we did your risk profile questionnaire, you did come out as a growth investor, and we kind of agreed that what would be suitable for you at the moment is just to kind of keep you in a high growth portfolio.","start_word":841,"end_word":928,"sentiment":"neutral","sentiment_score":0.2620888650417328},{"text":"So we have increased that a little bit for you into a high growth because you do still have plenty of time with overtime and just take advantage of that.","start_word":929,"end_word":958,"sentiment":"positive","sentiment_score":0.4114903807640076},{"text":"Does that all make sense? Yep. Perfect. Still nothing? Still still nothing. Being slow Let today. me have let me have a bit of a look. It should definitely have come through by now. Let me just see if I can get someone else to try to send it if it's on my end. Alright. I'll try to get one of my colleagues to send it if there's, like, a little bit bug or anything on my side.","start_word":959,"end_word":1036,"sentiment":"neutral","sentiment_score":0.09413382411003111},{"text":"But, otherwise, you're happy for me to kind of go through and keep going?","start_word":1037,"end_word":1050,"sentiment":"positive","sentiment_score":0.36553511023521423},{"text":"It's Yep. not Yeah. I too got too it. complex. Yeah.","start_word":1051,"end_word":1061,"sentiment":"neutral","sentiment_score":-0.11703716218471528},{"text":"Perfect.","start_word":1062,"end_word":1062,"sentiment":"positive","sentiment_score":0.35072141885757446},{"text":"Now what I have recommended first when it comes to your superannuation is I did a lot of research on your hub twenty four accounts as well, just making sure that is still going to be the best option for you. And after doing the research, it's still very much at least competitive.","start_word":1063,"end_word":1115,"sentiment":"neutral","sentiment_score":0.23072405974819976},{"text":"It's really competitive when it comes to, like, fees and features and investment choices.","start_word":1116,"end_word":1129,"sentiment":"positive","sentiment_score":0.4296585321426392},{"text":"So I haven't recommended that we change your Superfund, just keeping you in Hub 24.","start_word":1130,"end_word":1144,"sentiment":"neutral","sentiment_score":0.016979118809103966},{"text":"But it is good to do a bit of an update every now and then just to make sure because there's always new features and products that comes out.","start_word":1145,"end_word":1173,"sentiment":"positive","sentiment_score":0.4315841794013977},{"text":"Mhmm. Okay. Now when it comes through the how things are structured for your investments as well, I have recommended a little bit of a change. So do you remember receiving our newsletter at all It it does recently? come through occasionally. Talking about BlackRock by any chance? No? It's Hang okay on. if you didn't. Because it a lot of this stuff, I just I skim over it, and then it doesn't No. It's okay. yeah. Essentially, what it was is that we have recently teamed up with BlackRock. Have you heard of them before? They're quite big. Yeah. Yeah. Yep. So we recently teamed up with them and created our own SMA. So not self managed super fund and SMA, which is a self managed account. Have you ever heard of that before? No. No. So I have included a lot of information in the strategy for you, Mhmm. But, essentially, how it's different to how your current investments are structured. So it's still very similar in terms of the style of investments and how things are structured for you. But the main difference is basically how it's set up. So at the moment, we have your in what we would call, like, your model portfolio. And Mhmm. if we so, like, if you log in to Hub twenty four, you will see each and every single one of the investments. And if we want to go ahead and make a change, like, for example, the little underperformance with Benelon, we would obviously have to go and do the research. We would have to put everything together in the statement of advice similar to today and go through that with you, and then you would have to sign off on it before we can actually go and make a change when it comes to just the investment. So sometimes, obviously, that process can take a little bit longer. And sometimes with investments as well, you do wanna kind of be proactive and trying to act as quickly as you can as well because things do change on a daily. They do change pretty quickly. So the difference with the SMA is that, basically, you would be invested in, like, the the OQ BlackRock SMA. And within that SMA, you still have, you know, similar amount of different investments and diversification and everything like that that you have now. But the difference is that we could very quickly, in the back end, make changes to the individual investments without having to go through this whole research process and getting you to sign off on the document before we could go and make the change. Does that Okay. make sense? Yep.","start_word":1174,"end_word":1624,"sentiment":"neutral","sentiment_score":0.06875100000420721},{"text":"Yep.","start_word":1625,"end_word":1625,"sentiment":"positive","sentiment_score":0.3394876718521118},{"text":"So it kind of eliminates a lot of that kind of, like, compliance, and we can do things a bit more quickly and proactively when it comes to chopping and changing investments as long as, obviously, it's still in your best interest. We always have to follow that and, Mhmm. obviously, doing all of research and everything. But it does mean that when there are a bit of fluctuations and stuff in the market, that we can very quickly go and make those changes.","start_word":1626,"end_word":1709,"sentiment":"neutral","sentiment_score":0.2593567371368408},{"text":"The other thing that's really good as well is that because we have teamed up with BlackRock, who are one of the largest investment managers in the world, we're obviously utilizing our investment committee along with this. So we Mhmm. can kind of combining all the knowledge and expertise together to create the the different investment portfolios, and they have pretty extensive research softwares as well when it comes to constructing all the the investments, essentially. Yep. So for you, I have recommended the SMA at this time. I did consider a lot of different options as well because I wanted to make sure that if the SMA was going to be the best for you.","start_word":1710,"end_word":1825,"sentiment":"positive","sentiment_score":0.45217666029930115},{"text":"So I did consider a lot of other investment options, so not the SMA and just different portfolio constructions within Hub twenty four. But with the SMA, it was a little bit more competitive when it comes to the performance, but then also the fees.","start_word":1826,"end_word":1870,"sentiment":"neutral","sentiment_score":0.2613919973373413},{"text":"So how it is a little bit cheaper as well is that within hub twenty four, they basically have three different account types. So at the moment, we have you on the the the choice option, which is the most comprehensive option because that gives you access to all the different investment options.","start_word":1871,"end_word":1923,"sentiment":"positive","sentiment_score":0.3934471011161804},{"text":"We with the SMA, it is available on, like, your middle or full I guess, your middle account.","start_word":1924,"end_word":1941,"sentiment":"neutral","sentiment_score":0.2870972752571106},{"text":"So it is Mhmm. a little bit cheaper because you don't have to pay as much in admin fee, but it does give you access through the the SMA. So, essentially, on an overview, by changing to the SMA when it comes to fees alone, it will save you about $500 a year in in fees alone, which is pretty good.","start_word":1942,"end_word":2002,"sentiment":"positive","sentiment_score":0.5476798415184021},{"text":"Yeah. Have you still not received the document they're Okay. on? Now, do you wanna double check the email address you're sending to? Yes. Let me have a look at that for you. So I have obrady@tpg.com.au. Yep, man. Correct. O b r a d y? Yep. Yep. Yep. Exactly. Okay. I was emails sometimes Alright. just get stuck, Yeah. unfortunately. Sometimes it's usually when Yeah. the weather's been playing up, it's been a bit slower, but it's it's season today. So I will keep resending it, and, hopefully, you're not gonna get just 20 different copies I'm when gonna they get a all get come some more through. copies. It's it's all the same one, so you can if if Yep. you do, you can just delay and just just do one. Alright.","start_word":2003,"end_word":2136,"sentiment":"neutral","sentiment_score":-0.034004323184490204},{"text":"Perfect.","start_word":2137,"end_word":2137,"sentiment":"positive","sentiment_score":0.40889719128608704},{"text":"Now let me just get this up here again. Now basically talking about the fees and everything, when it does decide to come through, it's page 16. So that one shows you in a, like, a bit of a fee comparison table Mhmm. how the recommendation is actually displayed, and it shows you a bit of a projection to five and ten years as well to show you the difference. And it also kinda give you a good kind of, assessment of where you are tracking and how things are at. Now what I have also done is kind of outlined everything in a lot more information for you so you can have a read over everything as well, especially with the estimate. So it's a bit more of a new new concept for you as well. Yep. And that is outlined from page 12 through through page 50. So it does outline the best interest duty again and Mhmm. how the recommendation does apply to acting in your best interest in comparison to a lot of the other investment Yep. options I did research for you. It also talks about the advantages, which a lot of it is the fee that I mentioned as well, but then also kind of that flexibility that allows us to do very quickly with the investments like I mentioned and then also utilizing BlackRock's expertise.","start_word":2138,"end_word":2369,"sentiment":"neutral","sentiment_score":0.2223968025425385},{"text":"One of the disadvantages as well is that by making investment changes, we do have to obviously sell down some of your investments. And if you are selling down some of grown, you do have to pay capital gains tax on it.","start_word":2370,"end_word":2411,"sentiment":"negative","sentiment_score":-0.4301696717739105},{"text":"Okay. Yep. So I've tried to minimize that as much as possible for you. Mhmm. And, obviously, it does kind of fluctuate on a daily. But when we did put it all together for you, it was a rough estimate of about $840 just so that you are aware. Okay. So Yep. it's not too bad, given you are saving above over 500 in fees alone. So pretty quickly, you can make up that change, but I do wanna let you know, Yep. that there will be some capital gains tax by making the changes. Any questions so far? No. It all sounds No. pretty good, so far.","start_word":2412,"end_word":2519,"sentiment":"neutral","sentiment_score":0.11058922857046127},{"text":"Perfect.","start_word":2520,"end_word":2520,"sentiment":"positive","sentiment_score":0.6012974977493286},{"text":"Now when it actually comes to then the performance as well. So we do use historical performance when we we project everything for you. Mhmm. So despite even kind of looking at the historical performance as well, it has still performed quite a lot better. So when we are looking at a three year period, So thinking as well we are reducing fees, it is about so your current one is about 12.11% using a three year rolling average, averaging it out over the last three years. And the recommended is a 13.47%. Okay. Now I've also then done a twelve month for you as well just to show you a bit more up to date. Obviously, there's a lot happening in the last twelve months, but then also kind of how its positioned moving forward. So in the last twelve months, current, it's about 12.03 before fees, and recommended is about 14.64. So, again, performing Yep.","start_word":2521,"end_word":2677,"sentiment":"neutral","sentiment_score":0.15809027024894762},{"text":"a little bit better.","start_word":2678,"end_word":2681,"sentiment":"positive","sentiment_score":0.37493857741355896},{"text":"And the biggest thing as well is that even though we are increasing from growth to a high growth when it comes to how your money is allocated in terms of your defensive and your growth investments.","start_word":2682,"end_word":2718,"sentiment":"neutral","sentiment_score":0.2972172498703003},{"text":"The type of investments and stuff in the SMA as well have a lot lower kind of volatility than your current portfolio, which is good. So it should smooth things out a little bit more, and it's also kind of well positioned for everything that's going on with, you know, inflation and everything else in the world and stuff like that as well.","start_word":2719,"end_word":2781,"sentiment":"positive","sentiment_score":0.4185224175453186},{"text":"Does that make Yep. sense? Yep. Yep.","start_word":2782,"end_word":2788,"sentiment":"neutral","sentiment_score":0.17060407996177673},{"text":"Beautiful.","start_word":2789,"end_word":2789,"sentiment":"positive","sentiment_score":0.6460487246513367},{"text":"Now I have projected that forward for five and ten years to show you kind of the impact. And Mhmm. when we are looking at about a five year time frame, the difference is about 25,207, assuming, obviously, everything else kind of stays the same with insurances and stuff. Mhmm. So it is a pretty good difference. Okay.","start_word":2790,"end_word":2847,"sentiment":"neutral","sentiment_score":0.11046260595321657},{"text":"Sounds good. Perfect.","start_word":2848,"end_word":2850,"sentiment":"positive","sentiment_score":0.41559839248657227},{"text":"Now when you do have a look at it as well, so on page 20, it Mhmm. actually shows you the asset allocation. So it shows you your high growth portfolio of Yep. about that $90.10 split, your existing portfolio, which sees about 78.53 in your growth investment, so a little bit lower. And then the proposed one is about 88.48. So a little bit higher allocation to those growth investments. We're trying to boost that through before you're in the long term because you still have plenty of time until retirement. Yep. Okay. Yep.","start_word":2851,"end_word":2945,"sentiment":"neutral","sentiment_score":0.13599656522274017},{"text":"Perfect.","start_word":2946,"end_word":2946,"sentiment":"positive","sentiment_score":0.3956409692764282},{"text":"Now do you have any questions in regards to the SMA or the investments or or stuff before I move on to the salary sacrifice? Not that 10 Yep. Perfect. So I have shown you as well a bit of a difference on how the $100 per month contribution of salary sacrifice changes five. Mhmm. things for you. So on page 21, when you do receive it, it will show you your current position. The first, it breaks down your current salary, your taxable income, tax on taxable income, and then kind of the the net income after tax. It then Thank shows you. on the other side, including salary sacrifice. So by salary sacrificing, 1,200 per year, it is reducing your take home pay by Mhmm. about 816 per Okay. year. Yeah? Yep. Now when it comes to contributions, so underneath that table, you will have your employee contributions from your employer, how that reflects after tax at the moment, and then the proposed situation, which is salary sacrificing that $100 per month, which shows you the difference in contributions of about 1,020. Okay.","start_word":2947,"end_word":3131,"sentiment":"neutral","sentiment_score":0.0994161284855894},{"text":"So on a net benefit, it still shows you that you're ahead by $204 if you're just looking by dollar value, Mhmm. which is still pretty good. But the biggest thing as well is that you'll have more money invested who will then grow and get those returns longer. So you'll obviously have more of a benefit, but Yep. at least in terms of just the difference in income and contributions, it still shows you that still by just doing a $100 per month as a starting point, it still gives you saves you a bit of tax and does boost your superannuation for you.","start_word":3132,"end_word":3236,"sentiment":"positive","sentiment_score":0.5356457829475403},{"text":"That's Yeah. Now I have again outlined everything for you so you can have a read over it because sometimes if you can't see, it can be a lot, but I have outlined the advantages in good.","start_word":3237,"end_word":3273,"sentiment":"neutral","sentiment_score":0.2830335795879364},{"text":"regards to it.","start_word":3274,"end_word":3276,"sentiment":"positive","sentiment_score":0.43278056383132935},{"text":"The biggest thing is, well, like I said, you have more money invested in your superannuation with going to compound and grow. Contributions is taxed concessionally at 15%, which is Mhmm. a lot less than your marginal tax rate. That's what makes the biggest difference. But, obviously, something to be mindful of is that the money you do put into superannuation, it will be locked in until you meet a condition of release. So for example, turning 60 and stop working. So that is kind Yes. of the biggest thing to consider, which I know as well is why you kind of wanted to start on a little bit smaller amount and see, obviously, how everything goes, and then we can Mhmm. always adjust it from there.","start_word":3277,"end_word":3403,"sentiment":"neutral","sentiment_score":0.09757986174911026},{"text":"Perfect.","start_word":3404,"end_word":3404,"sentiment":"positive","sentiment_score":0.5483499765396118},{"text":"Obviously, a risk to be mindful of is that there's always a level of risk associated with any investment option, and, obviously, rules and legislation can change. So we obviously keep an eye on everything for you just to make sure nothing's changing, but you are quite far from the contribution cap at the moment, which is good. But you do have plenty of space to take advantage of the salary sacrifice for Cool. you. Yep. Now, basically, the last thing I do wanna touch with you there, Owen, is just the fee structure. So when it comes Mhmm. to the fee structure, like I mentioned in the last time we spoke, is that there's no changes in regards to the fee structure whatsoever. So it stays exactly the same at 1.65 from superannuation, but no changes whatsoever in regards to that, and it is not a lock in contract. So at any point in time, you are not happy, not a lock in contract. And if it is Okay. that you are happy and you wanted to go ahead with the recommendation today or when you do get the document and have a chance to have a read over it, again, there's no additional fees and charges.","start_word":3405,"end_word":3612,"sentiment":"neutral","sentiment_score":0.0702429711818695},{"text":"It's all part of that ongoing service for you.","start_word":3613,"end_word":3621,"sentiment":"positive","sentiment_score":0.40886467695236206},{"text":"Okay. Yep. Now I have also then showed you the premium for your Clearview insurances when it comes to the remuneration because we do get commissions on insurances. And Okay. that is 22% of the total premium yearly. Now that is clear view to the insurer paying us. It is not you paying us. But Okay. for compliance purposes, we have to disclose it so you are fully aware, and it is the same for every single insurer out there. So, like, it doesn't weigh us in any way to recommend one provider over the other. Does that Okay. all make sense? Yep. Yep.","start_word":3622,"end_word":3725,"sentiment":"neutral","sentiment_score":0.1466691493988037},{"text":"Perfect. And that was simply everything today. So pretty straightforward.","start_word":3726,"end_word":3735,"sentiment":"positive","sentiment_score":0.4724503457546234},{"text":"Now it does summarize everything again that I have recommended that you stay in Hub 24, but we change you to the SMA.","start_word":3736,"end_word":3758,"sentiment":"neutral","sentiment_score":0.19497795403003693},{"text":"We change you to that slightly cheaper product in Hub twenty four to save you a bit of fees, and then also looking at the salary sacrifice contribution into super for you. Yep. Sounds good.","start_word":3759,"end_word":3793,"sentiment":"positive","sentiment_score":0.3809300065040589},{"text":"Now now just for your reference as well, so in the appendix, which is the second document when it does decide to come through, I have shown you what it looks like if you don't decide to go with the salary sacrifice just so you can see kind of more like apples to apples of the different recommendation as well. And so you also can see then the impact it has on if your salary sacrifice versus not salary sacrifice. Okay. Yeah. So that's all in the appendix for you. So, basically, from here is have a look through your inbox. I will check with as well. I haven't had anyone else had any issues with the documents, but I will triple check with them in case. If you haven't received anything by tomorrow, even just let me know, but I'll follow-up on my end because it should say that it's come through, and you should receive it very soon, if not already, which is a little bit strange. But Yep. maybe there's just, like, a bit of a glitch. So just let me know how you go. Obviously, hopefully, that comes through soon so you can have a read over it. When you can see it in front of you as well, if you do have any questions or anything because, obviously, you couldn't see it now. Just feel free to even give me a callback or send me an email, Mhmm. and I can always give you another quick call just to kind of go through anything. Yep. Otherwise, Okay. from here is yeah. Take your time. Have a read over it.","start_word":3794,"end_word":4067,"sentiment":"neutral","sentiment_score":0.14710798859596252},{"text":"If you do have a read over it and you are happy to go ahead with the recommendation to move forward, it would just be to sign those documents.","start_word":4068,"end_word":4096,"sentiment":"positive","sentiment_score":0.3757759332656861},{"text":"So you will just add your signature and date automatically.","start_word":4097,"end_word":4106,"sentiment":"neutral","sentiment_score":0.33197882771492004},{"text":"That will then send it back to me, and that tells me that you are happy to go ahead with the recommendation.","start_word":4107,"end_word":4128,"sentiment":"positive","sentiment_score":0.4983232915401459},{"text":"And then I will let the team know, and we can get started on that. Okay. No worries. Yeah. Sorry.","start_word":4129,"end_word":4148,"sentiment":"neutral","sentiment_score":0.26871809363365173},{"text":"Perfect.","start_word":4149,"end_word":4149,"sentiment":"positive","sentiment_score":0.4104975461959839},{"text":"What was your name again? I'll just Veronica. turn it there. Veronica.","start_word":4150,"end_word":4161,"sentiment":"neutral","sentiment_score":0.10638620456059772},{"text":"Cool. Yep. Perfect.","start_word":4162,"end_word":4164,"sentiment":"positive","sentiment_score":0.5317150354385376},{"text":"Now do you have any other questions or anything else for me at this stage, otherwise, before I let you go there, Owen? No. Not at the moment. No. Okay.","start_word":4165,"end_word":4194,"sentiment":"neutral","sentiment_score":0.017173895612359047},{"text":"Beautiful.","start_word":4195,"end_word":4195,"sentiment":"positive","sentiment_score":0.5326888561248779},{"text":"Like I said, when you have a read through the documents, if there's anything you want to go through in a bit more detail, just let me know. But, otherwise, it is quite detailed. So take your time and have a read over everything just to make sure you understand everything, and let me know if you do have any questions.","start_word":4196,"end_word":4256,"sentiment":"neutral","sentiment_score":0.1965998411178589},{"text":"Will do. No problem. Well, Alright. thank you so much for your time today, and I look forward to speaking with you soon again. Thanks very much. Have a good one. You too. Bye.","start_word":4257,"end_word":4290,"sentiment":"positive","sentiment_score":0.6978515982627869},{"text":"Bye.","start_word":4291,"end_word":4291,"sentiment":"neutral","sentiment_score":0.23886553943157196}],"average":{"sentiment":"neutral","sentiment_score":0.16552954879301812}}}}