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And I was like, oh, I'll just call twice, and if you're not available, then you'll call me later. Sorry for your time. I had you booked in just to go over your strategy recommendation. It is pretty quick today. Do you still have some time to go over that? 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, could you just confirm your full name, date of birth, and address for me, please? Yep. Perfect. And just yep. Perfect. That's the one. And how's your morning been so far? I've been busy. Oh, yeah. Well, I will try not to take up too much of your time. Like I said, today is pretty straightforward. Now, Troy, I did just send you an email with some documents to go through. Did you receive that at all, or do you have access to your emails at the moment? Perfect. And sometimes it does end up in this spam folder as well. Okay. Perfect. Now if you can open that for me and click on the link where it says sign now, it won't ask you to sign right away. It would just allow you to open up and view the document first. So just let me know if we can see that. Okay? Yep. Perfect. Now can you see the cover page there okay? Yep. Perfect. Now I know you've gone through a couple of days, and I'll tryna make it quick for you. A lot of it today is just my compliance point just to make sure you understand everything. But I have reviewed your superannuation, specifically that Benelon investment we spoke about last time, and I have made a a recommendation. Now I have also included the comparison for Vanguard because I know you kind of mentioned that you were looking at them at the moment. So from a comparison point of view, I have included all that research for Vanguard for you as well to show you. Yep. Perfect. Now on the cover page here, you can see that this has been prepared just for yourself and tailored to your needs. Now underneath that, you can see my details and my authorized representative number, and I am licensed under OQ Financial AFFR. Perfect. Now on the next page, you will see the best interest duty. Like always, all the recommendations and everything that we are providing to you has to be in your best interest, and it has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation. Does that make sense, Joyce? Yep. Perfect. Now if you can kind of scroll through for me through page three, you will see scope of advice. So, essentially, what we are looking at today is mainly just your superannuation. Just reviewing your superannuation to see if we can put you in a better position. And then I have included just some general information and stuff in regards to estate planning as well just so we can make sure we do have that beneficiary nominated in the event that something does happen to you. Yep. Now on the next two pages, you can see some other goals that you mentioned that we're not really addressing today. Definitely, it's something we can assist you with or refer you on through someone who can down the track. So for property, if you're looking at buying an investment property down the track, we can definitely refer you on to a mortgage broker who can help you with that. And same if you do need any assistance with, you know, saving or anything in regards to potential business acquisitions. Again, just let us know, and we can always see what we can assist you with down the track for that as well. Perfect. Now I'll kind of just get you to scroll through for me. I'll let you have a read over that. On the next couple of pages, you'll just see some some information about you, your life style assets and liabilities, your current net worth balance, and then your risk profile, which is page eight. Can you see that? So page eight where it says your risk profile. It should say high growth. Yes. That's the one. So do you remember last time when we kind of talked spoke about your risk tolerance and, you know, your goals for super? So, basically, we're not changing the risk profile. We're keeping it high growth. It's still very much suitable for you trying to maximize that group. Just literally changing some of your investments around essentially. Now if you can scroll down through me actually first because it's usually easier to see the table. If you can scroll to page 13 for me, it should say see comparison. Yep. Perfect. You can see the little table with all the numbers and the map and everything? Yes. Correct. So, basically, what I have recommended for you, Troy, is to keep your NetWealth. I did do a lot of research on your NetWealth and other competitors as well as well as Vanguard, which I have included in the appendix that I will go through with you. But kind of when factoring in, you know, all the features and the fees and the flexibility that Netwealth has with investment choices, I couldn't find anything that was going to put you in as good of a position as keeping you in net wealth and changing the investments. So what I have recommended is that keeping you in net wealth and changing some of those investments for you. So you can basically see on the page here, you have your current situation. So your current balance in that one. You can also see all the fees. So admin fees, investment fees, adviser fees, everything there for you. Now I do wanna let you know as well that for the time being in this projection, I have included no contribution. Now I know that you are making contributions, but we had some issues with it going somewhere else. Did were you able to talk to them after last time and see what happened there? Okay. Okay. Perfect. So, obviously, when those contributions are coming into net worth again, it will make a bigger difference. So this is just to show you the, you know, the conservative option of not having contribution that it will still continue to move forward. But, obviously, those contributions will make a bigger difference. Now for your if your reference as well in the appendix, which I will show you when I show you the Vanguard option, I have also done this table with contribution so you can see the difference in, you know, the outcome for you as well. Does that make sense? Yep. Perfect. Now you can see here as well your high growth portfolio in net wealth and using a five year rolling average. The portfolio that you are currently invested in in net wealth has gone about 8.32%. Now if you look on the recommended section, like I said, I have recommended that we retain net wealth, change some of those investments, and you can actually see the total cost, which just by changing some of those investments, for some that's been a little bit cheaper, it's saving you about $571 a year just in fees alone, which is pretty good. Yeah. Now underneath that using the same five year time frame, you can see that the new recommended portfolio has performed at about 13.79%. So it has kind of outperformed historically looking your current portfolio with about 5.47%, which does make a pretty big difference. Yeah. It does make a big difference. Now I do wanna mention as well that Troy that if you look on the top row where it says the balance, and it says minus 241. Can you see that? At the top. Yes. Yes. Now the only reason that one is there is because that is capital gains tax. So when you are selling in investments in super, you'll have to pay a little bit of tax on the earnings. Now we're trying to minimize that as much as possible when we've made the changes to the investments or recommended it, but it will be roughly about $241, which is not too bad really at all. And because you are saving those fees pretty quickly by changing the investments, that's that's a pretty good outcome as well. But I do wanna let you know so that you are aware. Yep. Perfect. Now if you scroll down to the next page, you will then see just kind of projected forward for five and ten years just to show you And you can see as well that if you just look at, you know, the five year difference, and again, this doesn't include contributions. So with contributions, it will make a bigger difference. But just by changing some of your investments, it is making a pretty big difference when we are looking at compounding everything forward for you. Yeah. Now This is sorry. This was prepared. So this was all put together on the March 24. So at that time, obviously, we'd already seen a bit of a drop. Now, obviously, things are continuously changing. And how we've also kind of put together the portfolio as well, I will go through. It is factoring in everything. But with your investments, because we are looking at a longer term, What is happening over here with the war and everything like that on a long term point of view won't affect your superannuation too much as long as it's invested in the correct way. If you were to retire tomorrow, then we might, you know, have changed some of those investment, not have as much high risk, and the impact would have been a bit higher. But because we are looking kind of long term, everything will kind of even out and come back as well with time. Yeah. But it is a good it's a good question. Now let me show you actually the investments, which is page 15. Can you see that? Yep. Perfect. So this can look a little bit messy, but it shows you basically what we are looking at changing. So you can see the investment name, so that's what they're called. You can see kind of just, like, the ticket card. You can see your current weight allocation to how it's currently like, how much is invested into each of those investments, what that looks like in dollar value, and you have the buy and sell column. So this is what we are changing. So the red is what we are changing, and then the the black is what we are kind of buying and adding to it. You then have your target weight, so what we are looking at from a new percentage point of view and then how that balances out. But to kind of give you just like a brief overview, that we've kind of made in adjustments to kind of simplify the portfolio for you, but also kind of improve diversification. Previously, we did have you invested in that actively managed fund, like I mentioned last time, the Bennelong, which we've now kind of replaced with more of your broad low cost index. Still investing some in the Australian market, but more focusing on the 200 largest companies in Australia. So you will have, like, Woolworths and BHP, for example, or, like, the big companies. So it still gives you, like, that similar exposure through the market, but it is a little bit cheaper, and we're seeing a little bit less fluctuation in that investment. What we've also done is kind of streamline the international investment, so you are kind of getting more of a clearer global exposure across US, Europe, and other developed markets, but without kind of having unnecessary overlap. So we don't wanna have you too much in one market because if something were to happen, obviously, we wanna make sure we diversify across everywhere for you. And we've kind of also introduced a little bit of a small allocation to bonds, and that is simply just to provide stability and kind of maintain investments like gold and your cybersecurity, again, for kind of diversification. But essentially, Troy, the portfolio is kind of now more aligned as a bit more of a cost efficient way. It is a little bit more diversified, which again will help with today's market condition, and it's also slightly more balanced from a risk perspective while still very much focusing on your long term growth. Now in the appendix, because sometimes this can be a lot, And if it is something you wanna read up on yourself, in the appendix, I've actually included investment links. So it allows you to click on it, and you can actually read on each of the investments I have recommended. It's all if it is something that you wanna read up on a little bit more. Does that does that all make sense so far? Yep. Perfect. Now on the next page, you will see your proposed asset allocation. Can you see that okay? Yep. Perfect. Now you can kind of see the first column, which is your risk profile, your existing portfolio, and then the proposed. So you can see that both your existing and your proposed are very closely related to your risk profile and are quite similar in terms of, you know, the level of risk. It is slightly less in the proposed to your existing, but both kind of very much align with your tolerance and everything. Yep. Perfect. Now on the next page, you can kind of see I've done a bit of an updated retirement income calculation for you just kind of based on your your current situation and everything, and that shows you that if you want to start drawing an income at the age of 65. So you can see kind of, like, the dark color that is money from your superannuation. The blue is their potential age pension. So kind of based on the information we have right now, you might be eligible for for some of that. So that just kind of shows you your retirement income of wanting to ideally draw, excuse me, that thousand dollars per week from superannuation, and they will approximately take you through age 92. And then from then, it would just be age pension potentially. No. And sometimes it's good. And, obviously, there are variables that can change. So, obviously, if you decide to not contribute at all or anything changes, it's obviously not certain. But based on kind of the way things are looking at the moment, that's what we are kind of looking at. And sometimes it's good to kind of just reassess to be like, okay. Well, you know, it is kind of possible, and it will last me as well as well. So it's a good kind of check-in. Yeah. Now the last thing in this document here is just some general information in regards to the beneficiary nomination like I mentioned. Now last time you mentioned that you want to give your super to your son. Just some general information in regards through that for you. So I'll let you have a read over that in your own time. The last thing I do wanna mention, which is page 20 yes? Okay. That's okay. Fifty fifty. That's okay. Because we haven't submitted the form, so because you have to get a witness and website, This is just the information for you. So I will just let the team know that we'll send them out to you. You will still be able to complete them yourself so you can do the fifty fifty to both your sons. And in terms of, you know, advantages and this is, like, it's all the same because they're both your children. Yep. Perfect. Now the last thing here for you, Troy, is just page 24, which is just showing you remuneration. Let me know when you can see that. Yep. So if you're already happy and you wanted to go ahead with the changes today, there is no additional fees and charges at all. It is all part of the ongoing advice fee that you pay. No changes in regards to that either. It just stays exactly the same at that 1.65% or from superannuation. So, again, no additional fees or charges or anything like that. This is all part of that ongoing service for you. No problem. Now, Troy, if you wanna get out of this document, I will quickly show you that Vanguard example for you as well. So if you can click out of the email and then scroll down for me, you should see a couple of attachments in the email. Yeah. Now is that one that's correct? Yes. Can you see the one where it says SOA appendix? Yep. If you can click on that one for me. Yep. Now this is kind of where the research and stuff goes in. But if you can scroll down through let me see here. If you can scroll through page seven for me four first, it should say investment returns like for like. Can you see that? Yep. Now this is the table that includes your contribution. So, obviously, once you've spoken to your new bookkeeper, got all that sorted, we'll keep an eye on it as well. So making sure that it comes in, this is, again, no changes. It just shows you with, obviously, those contributions going in, you will make a bigger difference in terms of your superannuation balance. And then the one underneath that, which shows you alternative comparison. Can you see that? So it should be page eight. Yeah. Yes. So can you see the heading where it says alternative comparison? Yes. Now this yes. So what I have compared, it's the the recommendations against Vanguard. So you can see here that Vanguard, as a platform, is a bit cheaper. Now this also means that if you go to Vanguard, there is no adviser fee as well. So I've made that comparison so you can see it more accurately. So because of that, there is a bit cheaper in Vanguard. You can see that when we are using a three year rolling average, we couldn't find the information for the five year. It wasn't published because it hasn't been around long enough. So we're using three years to give you, again, apple for apple comparison in time frame. Even though it's cheaper, it hasn't performed as well with investments. Yep. Now also at the top where it says the balance, the difference there would be the tax again. So because your investments in that will have done pretty good, they've gone up, if you wanna do a full sell down and move to Vanguard, the tax that would come out would be about 4,077. Yeah. So good news is that your investments have gone up, which is great. Bad news is that if you do wanna do a full sell down, it would mean more tax. So it's kind of that, you know, good and bad in a way. But but, basically, like even though it is slightly cheaper, it hasn't performed as well historically. And with the CGP, it wouldn't put you in as good of a position. So, therefore, I did recommend that you stay in that bus. Yep. Perfect. Now that was essentially everything that I needed to go over with you. Do you have any questions for me, Troy, or was that fairly straightforward? Yes. Perfect. So, basically, from here is if you would like to go ahead with the change, I will need you to sign the documents. So how you do that is clicking back on the link. It will get you to sign it, then it will send it back to me, and I will get the team to action that for you. Yes. If you are happy with that. Yes. Yes, please. Yes, please. And because it's a bit of a new software, let me know if you have any issues as well. I can't refresh it. Yeah. Does it say it's usually when you says, like when it says complete and finished on your end, that's when it comes back to me. Yeah. So it should automatically, but it's the April 2, which is pretty crazy that it's April already. Yep. Yeah. So you could you can just put NA. That is just if you had any changes you wanted to make. It's a textbook where you could type that in. But otherwise, you can just put NA or just a dot, a full stop or anything really. Yep. And then I'll refresh that on my end. That all said complete completed on your end? Yep. Perfect. Yep. You can just close it. Now sometimes it does take a couple of minutes depending on how oh, let me have a look here. Yep. Perfect. That's all come through on my end, which is great. I will let the team know, and we'll go ahead and make this change for you. Otherwise, do you have any questions for me at this point before I kind of let you go and get on with your day through? No. No problem at all. If there is anything that you need, any questions, or anything that you need at all, though, don't hesitate to give me a call or send me an email, and I can always book you in for a bit of a catch up. Perfect. No problem, Troy. It was a pleasure speaking with you, and I look forward to speaking with you soon again. Thanks. You too, Troy. 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afternoon. Is this Troy? No. That's okay. I thought sometimes I just call twice because people just miss me.\n\nAnd I was like, oh, I'll just call twice, and if you're not available, then you'll call me later. Sorry for your time. I had you booked in just to go over your strategy recommendation. It is pretty quick today. Do you still have some time to go over that?\n\nYeah. 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, could you just confirm your full name, date of birth, and address for me, please?\n\nYep. Perfect. And just yep. Perfect. That's the one.\n\nAnd how's your morning been so far? I've been busy. Oh, yeah. Well, I will try not to take up too much of your time. Like I said, today is pretty straightforward.\n\nNow, Troy, I did just send you an email with some documents to go through. Did you receive that at all, or do you have access to your emails at the moment? Perfect. And sometimes it does end up in this spam folder as well. Okay.\n\nPerfect. Now if you can open that for me and click on the link where it says sign now, it won't ask you to sign right away. It would just allow you to open up and view the document first. So just let me know if we can see that. Okay?\n\nYep. Perfect. Now can you see the cover page there okay? Yep. Perfect.\n\nNow I know you've gone through a couple of days, and I'll tryna make it quick for you. A lot of it today is just my compliance point just to make sure you understand everything. But I have reviewed your superannuation, specifically that Benelon investment we spoke about last time, and I have made a a recommendation. Now I have also included the comparison for Vanguard because I know you kind of mentioned that you were looking at them at the moment. So from a comparison point of view, I have included all that research for Vanguard for you as well to show you.\n\nYep. Perfect. Now on the cover page here, you can see that this has been prepared just for yourself and tailored to your needs. Now underneath that, you can see my details and my authorized representative number, and I am licensed under OQ Financial AFFR. Perfect.\n\nNow on the next page, you will see the best interest duty. Like always, all the recommendations and everything that we are providing to you has to be in your best interest, and it has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation. Does that make sense, Joyce? Yep.\n\nPerfect. Now if you can kind of scroll through for me through page three, you will see scope of advice. So, essentially, what we are looking at today is mainly just your superannuation. Just reviewing your superannuation to see if we can put you in a better position. And then I have included just some general information and stuff in regards to estate planning as well just so we can make sure we do have that beneficiary nominated in the event that something does happen to you.\n\nYep. Now on the next two pages, you can see some other goals that you mentioned that we're not really addressing today. Definitely, it's something we can assist you with or refer you on through someone who can down the track. So for property, if you're looking at buying an investment property down the track, we can definitely refer you on to a mortgage broker who can help you with that. And same if you do need any assistance with, you know, saving or anything in regards to potential business acquisitions.\n\nAgain, just let us know, and we can always see what we can assist you with down the track for that as well. Perfect. Now I'll kind of just get you to scroll through for me. I'll let you have a read over that. On the next couple of pages, you'll just see some some information about you, your life style assets and liabilities, your current net worth balance, and then your risk profile, which is page eight.\n\nCan you see that? So page eight where it says your risk profile. It should say high growth. Yes. That's the one.\n\nSo do you remember last time when we kind of talked spoke about your risk tolerance and, you know, your goals for super? So, basically, we're not changing the risk profile. We're keeping it high growth. It's still very much suitable for you trying to maximize that group. Just literally changing some of your investments around essentially.\n\nNow if you can scroll down through me actually first because it's usually easier to see the table. If you can scroll to page 13 for me, it should say see comparison. Yep. Perfect. You can see the little table with all the numbers and the map and everything?\n\nYes. Correct. So, basically, what I have recommended for you, Troy, is to keep your NetWealth. I did do a lot of research on your NetWealth and other competitors as well as well as Vanguard, which I have included in the appendix that I will go through with you. But kind of when factoring in, you know, all the features and the fees and the flexibility that Netwealth has with investment choices, I couldn't find anything that was going to put you in as good of a position as keeping you in net wealth and changing the investments.\n\nSo what I have recommended is that keeping you in net wealth and changing some of those investments for you. So you can basically see on the page here, you have your current situation. So your current balance in that one. You can also see all the fees. So admin fees, investment fees, adviser fees, everything there for you.\n\nNow I do wanna let you know as well that for the time being in this projection, I have included no contribution. Now I know that you are making contributions, but we had some issues with it going somewhere else. Did were you able to talk to them after last time and see what happened there? Okay. Okay.\n\nPerfect. So, obviously, when those contributions are coming into net worth again, it will make a bigger difference. So this is just to show you the, you know, the conservative option of not having contribution that it will still continue to move forward. But, obviously, those contributions will make a bigger difference. Now for your if your reference as well in the appendix, which I will show you when I show you the Vanguard option, I have also done this table with contribution so you can see the difference in, you know, the outcome for you as well.\n\nDoes that make sense? Yep. Perfect. Now you can see here as well your high growth portfolio in net wealth and using a five year rolling average. The portfolio that you are currently invested in in net wealth has gone about 8.32%.\n\nNow if you look on the recommended section, like I said, I have recommended that we retain net wealth, change some of those investments, and you can actually see the total cost, which just by changing some of those investments, for some that's been a little bit cheaper, it's saving you about $571 a year just in fees alone, which is pretty good. Yeah. Now underneath that using the same five year time frame, you can see that the new recommended portfolio has performed at about 13.79%. So it has kind of outperformed historically looking your current portfolio with about 5.47%, which does make a pretty big difference. Yeah.\n\nIt does make a big difference. Now I do wanna mention as well that Troy that if you look on the top row where it says the balance, and it says minus 241. Can you see that? At the top. Yes.\n\nYes. Now the only reason that one is there is because that is capital gains tax. So when you are selling in investments in super, you'll have to pay a little bit of tax on the earnings. Now we're trying to minimize that as much as possible when we've made the changes to the investments or recommended it, but it will be roughly about $241, which is not too bad really at all. And because you are saving those fees pretty quickly by changing the investments, that's that's a pretty good outcome as well.\n\nBut I do wanna let you know so that you are aware. Yep. Perfect. Now if you scroll down to the next page, you will then see just kind of projected forward for five and ten years just to show you And you can see as well that if you just look at, you know, the five year difference, and again, this doesn't include contributions. So with contributions, it will make a bigger difference.\n\nBut just by changing some of your investments, it is making a pretty big difference when we are looking at compounding everything forward for you. Yeah. Now This is sorry. This was prepared. So this was all put together on the March 24.\n\nSo at that time, obviously, we'd already seen a bit of a drop. Now, obviously, things are continuously changing. And how we've also kind of put together the portfolio as well, I will go through. It is factoring in everything. But with your investments, because we are looking at a longer term, What is happening over here with the war and everything like that on a long term point of view won't affect your superannuation too much as long as it's invested in the correct way.\n\nIf you were to retire tomorrow, then we might, you know, have changed some of those investment, not have as much high risk, and the impact would have been a bit higher. But because we are looking kind of long term, everything will kind of even out and come back as well with time. Yeah. But it is a good it's a good question. Now let me show you actually the investments, which is page 15.\n\nCan you see that? Yep. Perfect. So this can look a little bit messy, but it shows you basically what we are looking at changing. So you can see the investment name, so that's what they're called.\n\nYou can see kind of just, like, the ticket card. You can see your current weight allocation to how it's currently like, how much is invested into each of those investments, what that looks like in dollar value, and you have the buy and sell column. So this is what we are changing. So the red is what we are changing, and then the the black is what we are kind of buying and adding to it. You then have your target weight, so what we are looking at from a new percentage point of view and then how that balances out.\n\nBut to kind of give you just like a brief overview, that we've kind of made in adjustments to kind of simplify the portfolio for you, but also kind of improve diversification. Previously, we did have you invested in that actively managed fund, like I mentioned last time, the Bennelong, which we've now kind of replaced with more of your broad low cost index. Still investing some in the Australian market, but more focusing on the 200 largest companies in Australia. So you will have, like, Woolworths and BHP, for example, or, like, the big companies. So it still gives you, like, that similar exposure through the market, but it is a little bit cheaper, and we're seeing a little bit less fluctuation in that investment.\n\nWhat we've also done is kind of streamline the international investment, so you are kind of getting more of a clearer global exposure across US, Europe, and other developed markets, but without kind of having unnecessary overlap. So we don't wanna have you too much in one market because if something were to happen, obviously, we wanna make sure we diversify across everywhere for you. And we've kind of also introduced a little bit of a small allocation to bonds, and that is simply just to provide stability and kind of maintain investments like gold and your cybersecurity, again, for kind of diversification. But essentially, Troy, the portfolio is kind of now more aligned as a bit more of a cost efficient way. It is a little bit more diversified, which again will help with today's market condition, and it's also slightly more balanced from a risk perspective while still very much focusing on your long term growth.\n\nNow in the appendix, because sometimes this can be a lot, And if it is something you wanna read up on yourself, in the appendix, I've actually included investment links. So it allows you to click on it, and you can actually read on each of the investments I have recommended. It's all if it is something that you wanna read up on a little bit more. Does that does that all make sense so far? Yep.\n\nPerfect. Now on the next page, you will see your proposed asset allocation. Can you see that okay? Yep. Perfect.\n\nNow you can kind of see the first column, which is your risk profile, your existing portfolio, and then the proposed. So you can see that both your existing and your proposed are very closely related to your risk profile and are quite similar in terms of, you know, the level of risk. It is slightly less in the proposed to your existing, but both kind of very much align with your tolerance and everything. Yep. Perfect.\n\nNow on the next page, you can kind of see I've done a bit of an updated retirement income calculation for you just kind of based on your your current situation and everything, and that shows you that if you want to start drawing an income at the age of 65. So you can see kind of, like, the dark color that is money from your superannuation. The blue is their potential age pension. So kind of based on the information we have right now, you might be eligible for for some of that. So that just kind of shows you your retirement income of wanting to ideally draw, excuse me, that thousand dollars per week from superannuation, and they will approximately take you through age 92.\n\nAnd then from then, it would just be age pension potentially. No. And sometimes it's good. And, obviously, there are variables that can change. So, obviously, if you decide to not contribute at all or anything changes, it's obviously not certain.\n\nBut based on kind of the way things are looking at the moment, that's what we are kind of looking at. And sometimes it's good to kind of just reassess to be like, okay. Well, you know, it is kind of possible, and it will last me as well as well. So it's a good kind of check-in. Yeah.\n\nNow the last thing in this document here is just some general information in regards to the beneficiary nomination like I mentioned. Now last time you mentioned that you want to give your super to your son. Just some general information in regards through that for you. So I'll let you have a read over that in your own time. The last thing I do wanna mention, which is page 20 yes?\n\nOkay. That's okay. Fifty fifty. That's okay. Because we haven't submitted the form, so because you have to get a witness and website, This is just the information for you.\n\nSo I will just let the team know that we'll send them out to you. You will still be able to complete them yourself so you can do the fifty fifty to both your sons. And in terms of, you know, advantages and this is, like, it's all the same because they're both your children. Yep. Perfect.\n\nNow the last thing here for you, Troy, is just page 24, which is just showing you remuneration. Let me know when you can see that. Yep. So if you're already happy and you wanted to go ahead with the changes today, there is no additional fees and charges at all. It is all part of the ongoing advice fee that you pay.\n\nNo changes in regards to that either. It just stays exactly the same at that 1.65% or from superannuation. So, again, no additional fees or charges or anything like that. This is all part of that ongoing service for you. No problem.\n\nNow, Troy, if you wanna get out of this document, I will quickly show you that Vanguard example for you as well. So if you can click out of the email and then scroll down for me, you should see a couple of attachments in the email. Yeah. Now is that one that's correct? Yes.\n\nCan you see the one where it says SOA appendix? Yep. If you can click on that one for me. Yep. Now this is kind of where the research and stuff goes in.\n\nBut if you can scroll down through let me see here. If you can scroll through page seven for me four first, it should say investment returns like for like. Can you see that? Yep. Now this is the table that includes your contribution.\n\nSo, obviously, once you've spoken to your new bookkeeper, got all that sorted, we'll keep an eye on it as well. So making sure that it comes in, this is, again, no changes. It just shows you with, obviously, those contributions going in, you will make a bigger difference in terms of your superannuation balance. And then the one underneath that, which shows you alternative comparison. Can you see that?\n\nSo it should be page eight. Yeah. Yes. So can you see the heading where it says alternative comparison? Yes.\n\nNow this yes. So what I have compared, it's the the recommendations against Vanguard. So you can see here that Vanguard, as a platform, is a bit cheaper. Now this also means that if you go to Vanguard, there is no adviser fee as well. So I've made that comparison so you can see it more accurately.\n\nSo because of that, there is a bit cheaper in Vanguard. You can see that when we are using a three year rolling average, we couldn't find the information for the five year. It wasn't published because it hasn't been around long enough. So we're using three years to give you, again, apple for apple comparison in time frame. Even though it's cheaper, it hasn't performed as well with investments.\n\nYep. Now also at the top where it says the balance, the difference there would be the tax again. So because your investments in that will have done pretty good, they've gone up, if you wanna do a full sell down and move to Vanguard, the tax that would come out would be about 4,077. Yeah. So good news is that your investments have gone up, which is great.\n\nBad news is that if you do wanna do a full sell down, it would mean more tax. So it's kind of that, you know, good and bad in a way. But but, basically, like even though it is slightly cheaper, it hasn't performed as well historically. And with the CGP, it wouldn't put you in as good of a position. So, therefore, I did recommend that you stay in that bus.\n\nYep. Perfect. Now that was essentially everything that I needed to go over with you. Do you have any questions for me, Troy, or was that fairly straightforward? Yes.\n\nPerfect. So, basically, from here is if you would like to go ahead with the change, I will need you to sign the documents. So how you do that is clicking back on the link. It will get you to sign it, then it will send it back to me, and I will get the team to action that for you. Yes.\n\nIf you are happy with that. Yes. Yes, please. Yes, please. And because it's a bit of a new software, let me know if you have any issues as well.\n\nI can't refresh it. Yeah. Does it say it's usually when you says, like when it says complete and finished on your end, that's when it comes back to me. Yeah. So it should automatically, but it's the April 2, which is pretty crazy that it's April already.\n\nYep. Yeah. So you could you can just put NA. That is just if you had any changes you wanted to make. It's a textbook where you could type that in.\n\nBut otherwise, you can just put NA or just a dot, a full stop or anything really. Yep. And then I'll refresh that on my end. That all said complete completed on your end? Yep.\n\nPerfect. Yep. You can just close it. Now sometimes it does take a couple of minutes depending on how oh, let me have a look here. Yep.\n\nPerfect. That's all come through on my end, which is great. I will let the team know, and we'll go ahead and make this change for you. Otherwise, do you have any questions for me at this point before I kind of let you go and get on with your day through? No.\n\nNo problem at all. If there is anything that you need, any questions, or anything that you need at all, though, don't hesitate to give me a call or send me an email, and I can always book you in for a bit of a catch up. Perfect. No problem, Troy. It was a pleasure speaking with you, and I look forward to speaking with you soon again.\n\nThanks. You too, Troy. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":1.5999999,"end":2.24,"sentiment":"neutral","sentiment_score":0.3303556889295578},{"text":"Is this Troy?","start":2.24,"end":3.1399999,"sentiment":"neutral","sentiment_score":0.06847828874985377},{"text":"No.","start":9.76,"end":10.26,"sentiment":"neutral","sentiment_score":-0.17398446798324585},{"text":"That's okay.","start":10.4,"end":11.3,"sentiment":"neutral","sentiment_score":-0.12692669034004211},{"text":"I thought sometimes I just call twice because people just miss me.","start":12.08,"end":15.765,"sentiment":"neutral","sentiment_score":-0.20770666127403578}],"sentiment":"neutral","sentiment_score":-0.10270857699215412,"num_words":20,"start":1.5999999,"end":15.765},{"sentences":[{"text":"And I was like, oh, I'll just call twice, and if you're not available, then you'll call me later.","start":16.245,"end":19.845001,"sentiment":"neutral","sentiment_score":-0.13142791547273336},{"text":"Sorry for your time.","start":19.845001,"end":22.485,"sentiment":"neutral","sentiment_score":-0.2630978226661682},{"text":"I had you booked in just to go over your strategy recommendation.","start":22.485,"end":27.065,"sentiment":"neutral","sentiment_score":0.08939704795678456},{"text":"It is pretty quick today.","start":27.365,"end":28.825,"sentiment":"neutral","sentiment_score":0.31056441366672516},{"text":"Do you still have some time to go over that?","start":29.605,"end":31.65,"sentiment":"neutral","sentiment_score":0.032767338864505294}],"sentiment":"neutral","sentiment_score":-0.01192523304373026,"num_words":50,"start":16.245,"end":31.65},{"sentences":[{"text":"Yeah.","start":33.57,"end":34.07,"sentiment":"neutral","sentiment_score":0.17912627756595612},{"text":"Perfect.","start":34.13,"end":34.63,"sentiment":"positive","sentiment_score":0.4392359256744385},{"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":34.93,"end":42.71,"sentiment":"neutral","sentiment_score":0.09870364902348354},{"text":"Perfect.","start":44.635002,"end":45.115,"sentiment":"positive","sentiment_score":0.3484852910041809},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?","start":45.115,"end":53.295002,"sentiment":"neutral","sentiment_score":0.1409964976975551}],"sentiment":"neutral","sentiment_score":0.12922693544934535,"num_words":58,"start":33.57,"end":53.295002},{"sentences":[{"text":"Yep.","start":59.25,"end":59.75,"sentiment":"neutral","sentiment_score":0.11092650890350342},{"text":"Perfect.","start":59.81,"end":60.21,"sentiment":"neutral","sentiment_score":0.28634318709373474},{"text":"And just yep.","start":60.21,"end":64.130005,"sentiment":"neutral","sentiment_score":0.1087155466278394},{"text":"Perfect.","start":64.130005,"end":64.53,"sentiment":"positive","sentiment_score":0.4571861922740936},{"text":"That's the one.","start":64.53,"end":65.33,"sentiment":"positive","sentiment_score":0.3941524227460225}],"sentiment":"neutral","sentiment_score":0.26256219959921306,"num_words":9,"start":59.25,"end":65.33},{"sentences":[{"text":"And how's your morning been so far?","start":65.33,"end":67.01,"sentiment":"neutral","sentiment_score":0.15854797192982265},{"text":"I've been busy.","start":67.01,"end":67.91,"sentiment":"neutral","sentiment_score":-0.1406249056259791},{"text":"Oh, yeah.","start":72.905,"end":73.225,"sentiment":"neutral","sentiment_score":-0.00439639575779438},{"text":"Well, I will try not to take up too much of your time.","start":73.225,"end":76.505,"sentiment":"neutral","sentiment_score":-0.1201847788806145},{"text":"Like I said, today is pretty straightforward.","start":76.505,"end":78.765,"sentiment":"neutral","sentiment_score":-0.05118323702897344}],"sentiment":"neutral","sentiment_score":-0.03879739029798657,"num_words":32,"start":65.33,"end":78.765},{"sentences":[{"text":"Now, Troy, I did just send you an email with some documents to go through.","start":80.825,"end":85.119995,"sentiment":"neutral","sentiment_score":0.07069806456565857},{"text":"Did you receive that at all, or do you have access to your emails at the moment?","start":85.119995,"end":88.74,"sentiment":"neutral","sentiment_score":0.01730571347562706},{"text":"Perfect.","start":91.36,"end":91.86,"sentiment":"neutral","sentiment_score":0.16016677021980286},{"text":"And sometimes it does end up in this spam folder as well.","start":101.885,"end":105.425,"sentiment":"neutral","sentiment_score":-0.17266439087688923},{"text":"Okay.","start":108.125,"end":108.625,"sentiment":"neutral","sentiment_score":0.17557208240032196}],"sentiment":"neutral","sentiment_score":-0.0082949073985219,"num_words":46,"start":80.825,"end":108.625},{"sentences":[{"text":"Perfect.","start":108.685005,"end":109.185005,"sentiment":"neutral","sentiment_score":0.29455000162124634},{"text":"Now if you can open that for me and click on the link where it says sign now, it won't ask you to sign right away.","start":109.325005,"end":117.22,"sentiment":"neutral","sentiment_score":0.16348938156778997},{"text":"It would just allow you to open up and view the document first.","start":117.22,"end":120.6,"sentiment":"neutral","sentiment_score":0.1496637463569641},{"text":"So just let me know if we can see that.","start":124.26,"end":125.94,"sentiment":"neutral","sentiment_score":0.08216517493128776},{"text":"Okay?","start":125.94,"end":126.44,"sentiment":"neutral","sentiment_score":0.07886047661304474}],"sentiment":"neutral","sentiment_score":0.14492970295980864,"num_words":51,"start":108.685005,"end":126.44},{"sentences":[{"text":"Yep.","start":128.475,"end":128.955,"sentiment":"neutral","sentiment_score":0.09431733191013336},{"text":"Perfect.","start":128.955,"end":129.455,"sentiment":"neutral","sentiment_score":0.2339597046375275},{"text":"Now can you see the cover page there okay?","start":130.795,"end":134.015,"sentiment":"neutral","sentiment_score":0.08281488219896953},{"text":"Yep.","start":135.675,"end":136.155,"sentiment":"neutral","sentiment_score":0.08522456884384155},{"text":"Perfect.","start":136.155,"end":136.655,"sentiment":"neutral","sentiment_score":0.056867845356464386}],"sentiment":"neutral","sentiment_score":0.09351564542605327,"num_words":13,"start":128.475,"end":136.655},{"sentences":[{"text":"Now I know you've gone through a couple of days, and I'll tryna make it quick for you.","start":136.875,"end":141.055,"sentiment":"neutral","sentiment_score":0.10300315875146124},{"text":"A lot of it today is just my compliance point just to make sure you understand everything.","start":141.25,"end":146.47,"sentiment":"neutral","sentiment_score":0.09803605474093381},{"text":"But I have reviewed your superannuation, specifically that Benelon investment we spoke about last time, and I have made a a recommendation.","start":147.25,"end":157.235,"sentiment":"neutral","sentiment_score":0.27007052166895434},{"text":"Now I have also included the comparison for Vanguard because I know you kind of mentioned that you were looking at them at the moment.","start":158.335,"end":167.215,"sentiment":"neutral","sentiment_score":0.18678294092416764},{"text":"So from a comparison point of view, I have included all that research for Vanguard for you as well to show you.","start":167.215,"end":173.48,"sentiment":"neutral","sentiment_score":0.25064984234896576}],"sentiment":"neutral","sentiment_score":0.18890472422712123,"num_words":104,"start":136.875,"end":173.48},{"sentences":[{"text":"Yep.","start":175.3,"end":175.78,"sentiment":"positive","sentiment_score":0.373985230922699},{"text":"Perfect.","start":175.78,"end":176.26,"sentiment":"positive","sentiment_score":0.5865126848220825},{"text":"Now on the cover page here, you can see that this has been prepared just for yourself and tailored to your needs.","start":176.26,"end":182.44,"sentiment":"positive","sentiment_score":0.467647602612322},{"text":"Now underneath that, you can see my details and my authorized representative number, and I am licensed under OQ Financial AFFR.","start":183.045,"end":191.06499,"sentiment":"neutral","sentiment_score":0.14717348026377813},{"text":"Perfect.","start":193.685,"end":194.165,"sentiment":"positive","sentiment_score":0.47787606716156006}],"sentiment":"neutral","sentiment_score":0.3221144418677558,"num_words":46,"start":175.3,"end":194.165},{"sentences":[{"text":"Now on the next page, you will see the best interest duty.","start":194.165,"end":197.545,"sentiment":"neutral","sentiment_score":0.15488252229988575},{"text":"Like always, all the recommendations and everything that we are providing to you has to be in your best interest, and it has to put you in a better position as a result of the advice.","start":198.23001,"end":210.89,"sentiment":"neutral","sentiment_score":0.26196402725246215},{"text":"Otherwise, we can't actually make the recommendation.","start":211.38501,"end":213.645,"sentiment":"neutral","sentiment_score":-0.10194850021174975},{"text":"Does that make sense, Joyce?","start":213.945,"end":215.405,"sentiment":"neutral","sentiment_score":0.063487558811903},{"text":"Yep.","start":216.825,"end":217.30501,"sentiment":"neutral","sentiment_score":0.2290324568748474}],"sentiment":"neutral","sentiment_score":0.18232993439572756,"num_words":61,"start":194.165,"end":217.30501},{"sentences":[{"text":"Perfect.","start":217.30501,"end":217.80501,"sentiment":"positive","sentiment_score":0.4267556071281433},{"text":"Now if you can kind of scroll through for me through page three, you will see scope of advice.","start":218.425,"end":224.845,"sentiment":"neutral","sentiment_score":0.16741624317671122},{"text":"So, essentially, what we are looking at today is mainly just your superannuation.","start":225.68001,"end":230.66,"sentiment":"neutral","sentiment_score":0.18801539907088646},{"text":"Just reviewing your superannuation to see if we can put you in a better position.","start":232.08,"end":236.1,"sentiment":"neutral","sentiment_score":0.3026080995798111},{"text":"And then I have included just some general information and stuff in regards to estate planning as well just so we can make sure we do have that beneficiary nominated in the event that something does happen to you.","start":236.72,"end":248.47499,"sentiment":"neutral","sentiment_score":0.22686017629427788}],"sentiment":"neutral","sentiment_score":0.2234314113170251,"num_words":87,"start":217.30501,"end":248.47499},{"sentences":[{"text":"Yep.","start":250.535,"end":251.035,"sentiment":"neutral","sentiment_score":0.1343279331922531},{"text":"Now on the next two pages, you can see some other goals that you mentioned that we're not really addressing today.","start":251.575,"end":258.35,"sentiment":"neutral","sentiment_score":0.05385144595943746},{"text":"Definitely, it's something we can assist you with or refer you on through someone who can down the track.","start":258.73,"end":264.19,"sentiment":"neutral","sentiment_score":0.2624141017073079},{"text":"So for property, if you're looking at buying an investment property down the track, we can definitely refer you on to a mortgage broker who can help you with that.","start":264.65,"end":273.36502,"sentiment":"neutral","sentiment_score":0.2702153369784355},{"text":"And same if you do need any assistance with, you know, saving or anything in regards to potential business acquisitions.","start":273.665,"end":280.08502,"sentiment":"neutral","sentiment_score":0.128663569688797}],"sentiment":"neutral","sentiment_score":0.1860528322407505,"num_words":91,"start":250.535,"end":280.08502},{"sentences":[{"text":"Again, just let us know, and we can always see what we can assist you with down the track for that as well.","start":281.105,"end":286.52002,"sentiment":"neutral","sentiment_score":0.3238550923440767},{"text":"Perfect.","start":288.26,"end":288.76,"sentiment":"positive","sentiment_score":0.6177955865859985},{"text":"Now I'll kind of just get you to scroll through for me.","start":289.7,"end":293.06,"sentiment":"neutral","sentiment_score":0.20029031733671823},{"text":"I'll let you have a read over that.","start":293.06,"end":294.84,"sentiment":"neutral","sentiment_score":0.16327137127518654},{"text":"On the next couple of pages, you'll just see some some information about you, your life style assets and liabilities, your current net worth balance, and then your risk profile, which is page eight.","start":295.14,"end":308.32498,"sentiment":"neutral","sentiment_score":0.09260411867324043}],"sentiment":"neutral","sentiment_score":0.1913417631234878,"num_words":78,"start":281.105,"end":308.32498},{"sentences":[{"text":"Can you see that?","start":308.32498,"end":309.465,"sentiment":"neutral","sentiment_score":0.061580740846693516},{"text":"So page eight where it says your risk profile.","start":314.42,"end":317.24,"sentiment":"neutral","sentiment_score":0.03825751050478882},{"text":"It should say high growth.","start":321.06,"end":322.68,"sentiment":"neutral","sentiment_score":0.03772317916154862},{"text":"Yes.","start":330.135,"end":330.535,"sentiment":"neutral","sentiment_score":0.1291056126356125},{"text":"That's the one.","start":330.535,"end":331.515,"sentiment":"neutral","sentiment_score":0.15306538343429565}],"sentiment":"neutral","sentiment_score":0.062161737121641636,"num_words":22,"start":308.32498,"end":331.515},{"sentences":[{"text":"So do you remember last time when we kind of talked spoke about your risk tolerance and, you know, your goals for super?","start":331.655,"end":338.775,"sentiment":"neutral","sentiment_score":0.04900691561076952},{"text":"So, basically, we're not changing the risk profile.","start":338.775,"end":341.495,"sentiment":"neutral","sentiment_score":-0.04810323193669319},{"text":"We're keeping it high growth.","start":341.495,"end":343.035,"sentiment":"neutral","sentiment_score":0.18108293935656547},{"text":"It's still very much suitable for you trying to maximize that group.","start":343.41,"end":347.35,"sentiment":"neutral","sentiment_score":0.3164313385883967},{"text":"Just literally changing some of your investments around essentially.","start":348.05002,"end":351.43002,"sentiment":"neutral","sentiment_score":0.07618861397107442}],"sentiment":"neutral","sentiment_score":0.107554762967323,"num_words":57,"start":331.655,"end":351.43002},{"sentences":[{"text":"Now if you can scroll down through me actually first because it's usually easier to see the table.","start":354.29,"end":359.38498,"sentiment":"neutral","sentiment_score":0.15086448647909695},{"text":"If you can scroll to page 13 for me, it should say see comparison.","start":359.38498,"end":365.645,"sentiment":"neutral","sentiment_score":0.09192594406860215},{"text":"Yep.","start":376.43,"end":376.83,"sentiment":"neutral","sentiment_score":0.12864533066749573},{"text":"Perfect.","start":376.83,"end":377.15,"sentiment":"positive","sentiment_score":0.3548232913017273},{"text":"You can see the little table with all the numbers and the map and everything?","start":377.15,"end":380.28998,"sentiment":"neutral","sentiment_score":0.16323332687218983}],"sentiment":"neutral","sentiment_score":0.1415202550742091,"num_words":49,"start":354.29,"end":380.28998},{"sentences":[{"text":"Yes.","start":384.11,"end":384.59,"sentiment":"neutral","sentiment_score":0.12575802206993103},{"text":"Correct.","start":384.59,"end":385.09,"sentiment":"neutral","sentiment_score":0.17585742473602295},{"text":"So, basically, what I have recommended for you, Troy, is to keep your NetWealth.","start":386.67502,"end":392.45502,"sentiment":"neutral","sentiment_score":0.18676274802003587},{"text":"I did do a lot of research on your NetWealth and other competitors as well as well as Vanguard, which I have included in the appendix that I will go through with you.","start":393.23502,"end":402.33,"sentiment":"neutral","sentiment_score":0.18235595434000998},{"text":"But kind of when factoring in, you know, all the features and the fees and the flexibility that Netwealth has with investment choices, I couldn't find anything that was going to put you in as good of a position as keeping you in net wealth and changing the investments.","start":403.12997,"end":419.285,"sentiment":"neutral","sentiment_score":0.10912079508511388}],"sentiment":"neutral","sentiment_score":0.14572407521915678,"num_words":98,"start":384.11,"end":419.285},{"sentences":[{"text":"So what I have recommended is that keeping you in net wealth and changing some of those investments for you.","start":420.065,"end":427.205,"sentiment":"neutral","sentiment_score":0.30671270526945593},{"text":"So you can basically see on the page here, you have your current situation.","start":427.505,"end":432.005,"sentiment":"neutral","sentiment_score":0.15461666775601252},{"text":"So your current balance in that one.","start":432.37997,"end":434.56,"sentiment":"neutral","sentiment_score":0.15652779064008168},{"text":"You can also see all the fees.","start":435.02,"end":437.36,"sentiment":"neutral","sentiment_score":0.1231567423258509},{"text":"So admin fees, investment fees, adviser fees, everything there for you.","start":437.58,"end":442.31998,"sentiment":"neutral","sentiment_score":0.1083412231369452}],"sentiment":"neutral","sentiment_score":0.19404123117357996,"num_words":59,"start":420.065,"end":442.31998},{"sentences":[{"text":"Now I do wanna let you know as well that for the time being in this projection, I have included no contribution.","start":442.78,"end":449.99503,"sentiment":"neutral","sentiment_score":0.04020425778898326},{"text":"Now I know that you are making contributions, but we had some issues with it going somewhere else.","start":450.695,"end":457.415,"sentiment":"neutral","sentiment_score":-0.12578896371026835},{"text":"Did were you able to talk to them after last time and see what happened there?","start":457.415,"end":461.435,"sentiment":"neutral","sentiment_score":-0.05193801340647042},{"text":"Okay.","start":469.09,"end":469.59,"sentiment":"neutral","sentiment_score":-0.02923646755516529},{"text":"Okay.","start":470.84998,"end":471.34998,"sentiment":"neutral","sentiment_score":0.16307783126831055}],"sentiment":"neutral","sentiment_score":-0.03580818148651,"num_words":58,"start":442.78,"end":471.34998},{"sentences":[{"text":"Perfect.","start":471.49,"end":471.99,"sentiment":"positive","sentiment_score":0.4907761216163635},{"text":"So, obviously, when those contributions are coming into net worth again, it will make a bigger difference.","start":472.53,"end":478.255,"sentiment":"neutral","sentiment_score":0.2606697314802338},{"text":"So this is just to show you the, you know, the conservative option of not having contribution that it will still continue to move forward.","start":478.71503,"end":486.815,"sentiment":"neutral","sentiment_score":0.1988101002573967},{"text":"But, obviously, those contributions will make a bigger difference.","start":487.12,"end":490.41998,"sentiment":"neutral","sentiment_score":0.2682797925339805},{"text":"Now for your if your reference as well in the appendix, which I will show you when I show you the Vanguard option, I have also done this table with contribution so you can see the difference in, you know, the outcome for you as well.","start":491.68,"end":505.195,"sentiment":"neutral","sentiment_score":0.20559277126322623}],"sentiment":"neutral","sentiment_score":0.22208367014417843,"num_words":98,"start":471.49,"end":505.195},{"sentences":[{"text":"Does that make sense?","start":507.015,"end":508.075,"sentiment":"neutral","sentiment_score":0.13258810341358185},{"text":"Yep.","start":509.575,"end":509.975,"sentiment":"neutral","sentiment_score":0.2516385316848755},{"text":"Perfect.","start":509.975,"end":510.475,"sentiment":"positive","sentiment_score":0.513603687286377},{"text":"Now you can see here as well your high growth portfolio in net wealth and using a five year rolling average.","start":511.015,"end":520.65,"sentiment":"neutral","sentiment_score":0.31450470217636656},{"text":"The portfolio that you are currently invested in in net wealth has gone about 8.32%.","start":520.95,"end":527.13,"sentiment":"neutral","sentiment_score":0.330939394235611}],"sentiment":"neutral","sentiment_score":0.3062924831396058,"num_words":42,"start":507.015,"end":527.13},{"sentences":[{"text":"Now if you look on the recommended section, like I said, I have recommended that we retain net wealth, change some of those investments, and you can actually see the total cost, which just by changing some of those investments, for some that's been a little bit cheaper, it's saving you about $571 a year just in fees alone, which is pretty good.","start":528.385,"end":555.94,"sentiment":"positive","sentiment_score":0.380423410071267},{"text":"Yeah.","start":557.545,"end":558.045,"sentiment":"positive","sentiment_score":0.4210701286792755},{"text":"Now underneath that using the same five year time frame, you can see that the new recommended portfolio has performed at about 13.79%.","start":558.90497,"end":572.32996,"sentiment":"positive","sentiment_score":0.4437827273555424},{"text":"So it has kind of outperformed historically looking your current portfolio with about 5.47%, which does make a pretty big difference.","start":572.94995,"end":582.975,"sentiment":"positive","sentiment_score":0.5226142676103682},{"text":"Yeah.","start":583.755,"end":583.995,"sentiment":"positive","sentiment_score":0.4587070345878601}],"sentiment":"positive","sentiment_score":0.42227848024543274,"num_words":109,"start":528.385,"end":583.995},{"sentences":[{"text":"It does make a big difference.","start":583.995,"end":585.695,"sentiment":"positive","sentiment_score":0.47489234680930775},{"text":"Now I do wanna mention as well that Troy that if you look on the top row where it says the balance, and it says minus 241.","start":587.115,"end":596.09,"sentiment":"neutral","sentiment_score":0.029580370833476383},{"text":"Can you see that?","start":596.09,"end":597.23004,"sentiment":"neutral","sentiment_score":0.020457306876778603},{"text":"At the top.","start":603.21,"end":604.11,"sentiment":"neutral","sentiment_score":0.0068059937718013925},{"text":"Yes.","start":604.57,"end":604.905,"sentiment":"neutral","sentiment_score":0.0549083910882473}],"sentiment":"neutral","sentiment_score":0.09280926081147499,"num_words":41,"start":583.995,"end":604.905},{"sentences":[{"text":"Yes.","start":605.145,"end":605.645,"sentiment":"neutral","sentiment_score":0.06140968948602677},{"text":"Now the only reason that one is there is because that is capital gains tax.","start":606.18506,"end":612.84503,"sentiment":"neutral","sentiment_score":-0.035843424623211224},{"text":"So when you are selling in investments in super, you'll have to pay a little bit of tax on the earnings.","start":613.385,"end":619.405,"sentiment":"neutral","sentiment_score":0.06123348467406772},{"text":"Now we're trying to minimize that as much as possible when we've made the changes to the investments or recommended it, but it will be roughly about $241, which is not too bad really at all.","start":619.8,"end":634.54,"sentiment":"neutral","sentiment_score":0.24428164151807627},{"text":"And because you are saving those fees pretty quickly by changing the investments, that's that's a pretty good outcome as well.","start":635.045,"end":642.96497,"sentiment":"positive","sentiment_score":0.6715733579226902}],"sentiment":"neutral","sentiment_score":0.252200437333197,"num_words":94,"start":605.145,"end":642.96497},{"sentences":[{"text":"But I do wanna let you know so that you are aware.","start":642.96497,"end":645.545,"sentiment":"neutral","sentiment_score":0.14957619458436966},{"text":"Yep.","start":647.77997,"end":648.26,"sentiment":"positive","sentiment_score":0.3713080585002899},{"text":"Perfect.","start":648.26,"end":648.76,"sentiment":"positive","sentiment_score":0.5731936097145081},{"text":"Now if you scroll down to the next page, you will then see just kind of projected forward for five and ten years just to show you And you can see as well that if you just look at, you know, the five year difference, and again, this doesn't include contributions.","start":649.3,"end":664.935,"sentiment":"neutral","sentiment_score":0.20224916504002086},{"text":"So with contributions, it will make a bigger difference.","start":665.075,"end":667.895,"sentiment":"neutral","sentiment_score":0.2446248084306717}],"sentiment":"neutral","sentiment_score":0.2061587391370857,"num_words":74,"start":642.96497,"end":667.895},{"sentences":[{"text":"But just by changing some of your investments, it is making a pretty big difference when we are looking at compounding everything forward for you.","start":668.435,"end":677.24005,"sentiment":"neutral","sentiment_score":0.30742869913578036},{"text":"Yeah.","start":680.02,"end":680.42004,"sentiment":"neutral","sentiment_score":0.04662628844380379},{"text":"Now This is sorry.","start":680.42004,"end":691.135,"sentiment":"neutral","sentiment_score":-0.07045025657862425},{"text":"This was prepared.","start":691.135,"end":692.17505,"sentiment":"neutral","sentiment_score":-0.0614133228858312},{"text":"So this was all put together on the March 24.","start":692.17505,"end":695.075,"sentiment":"neutral","sentiment_score":-0.03174779210239649}],"sentiment":"neutral","sentiment_score":0.16160057792656643,"num_words":43,"start":668.435,"end":695.075},{"sentences":[{"text":"So at that time, obviously, we'd already seen a bit of a drop.","start":695.455,"end":699.155,"sentiment":"neutral","sentiment_score":-0.07160975153629597},{"text":"Now, obviously, things are continuously changing.","start":699.53503,"end":702.99,"sentiment":"neutral","sentiment_score":-0.03664810645083586},{"text":"And how we've also kind of put together the portfolio as well, I will go through.","start":703.13,"end":709.37,"sentiment":"neutral","sentiment_score":0.06236798514146358},{"text":"It is factoring in everything.","start":709.37,"end":710.88995,"sentiment":"neutral","sentiment_score":0.05612615570425987},{"text":"But with your investments, because we are looking at a longer term, What is happening over here with the war and everything like that on a long term point of view won't affect your superannuation too much as long as it's invested in the correct way.","start":710.88995,"end":725.885,"sentiment":"neutral","sentiment_score":0.09676148855815762}],"sentiment":"neutral","sentiment_score":0.05324106518352448,"num_words":86,"start":695.455,"end":725.885},{"sentences":[{"text":"If you were to retire tomorrow, then we might, you know, have changed some of those investment, not have as much high risk, and the impact would have been a bit higher.","start":726.345,"end":736.87,"sentiment":"neutral","sentiment_score":-0.05640963092446327},{"text":"But because we are looking kind of long term, everything will kind of even out and come back as well with time.","start":737.49,"end":744.55,"sentiment":"neutral","sentiment_score":0.20855482329021802},{"text":"Yeah.","start":746.135,"end":746.455,"sentiment":"neutral","sentiment_score":0.2853330075740814},{"text":"But it is a good it's a good question.","start":746.455,"end":748.555,"sentiment":"positive","sentiment_score":0.5877742138173845},{"text":"Now let me show you actually the investments, which is page 15.","start":750.215,"end":755.03503,"sentiment":"neutral","sentiment_score":0.10446987828860681}],"sentiment":"neutral","sentiment_score":0.12647417623941837,"num_words":76,"start":726.345,"end":755.03503},{"sentences":[{"text":"Can you see that?","start":755.175,"end":756.315,"sentiment":"neutral","sentiment_score":0.057691218331456184},{"text":"Yep.","start":758.39,"end":758.71,"sentiment":"neutral","sentiment_score":0.2405257672071457},{"text":"Perfect.","start":758.71,"end":759.11005,"sentiment":"positive","sentiment_score":0.5460777282714844},{"text":"So this can look a little bit messy, but it shows you basically what we are looking at changing.","start":759.11005,"end":764.87006,"sentiment":"neutral","sentiment_score":0.13306277166855962},{"text":"So you can see the investment name, so that's what they're called.","start":764.87006,"end":768.01,"sentiment":"neutral","sentiment_score":0.13974344730377197}],"sentiment":"neutral","sentiment_score":0.14114817292303652,"num_words":37,"start":755.175,"end":768.01},{"sentences":[{"text":"You can see kind of just, like, the ticket card.","start":768.39,"end":770.97003,"sentiment":"neutral","sentiment_score":0.1343320243060589},{"text":"You can see your current weight allocation to how it's currently like, how much is invested into each of those investments, what that looks like in dollar value, and you have the buy and sell column.","start":771.35004,"end":783.525,"sentiment":"neutral","sentiment_score":0.15462899435725477},{"text":"So this is what we are changing.","start":783.525,"end":785.6,"sentiment":"neutral","sentiment_score":0.12010629049369267},{"text":"So the red is what we are changing, and then the the black is what we are kind of buying and adding to it.","start":785.89996,"end":793.04,"sentiment":"neutral","sentiment_score":0.08887353648121159},{"text":"You then have your target weight, so what we are looking at from a new percentage point of view and then how that balances out.","start":794.54,"end":802.755,"sentiment":"neutral","sentiment_score":0.12024688631296158}],"sentiment":"neutral","sentiment_score":0.12637103045834044,"num_words":102,"start":768.39,"end":802.755},{"sentences":[{"text":"But to kind of give you just like a brief overview, that we've kind of made in adjustments to kind of simplify the portfolio for you, but also kind of improve diversification.","start":802.97504,"end":814.06,"sentiment":"neutral","sentiment_score":0.21825728798285127},{"text":"Previously, we did have you invested in that actively managed fund, like I mentioned last time, the Bennelong, which we've now kind of replaced with more of your broad low cost index.","start":816.44,"end":829.38495,"sentiment":"neutral","sentiment_score":0.12697858666069806},{"text":"Still investing some in the Australian market, but more focusing on the 200 largest companies in Australia.","start":829.925,"end":836.50494,"sentiment":"neutral","sentiment_score":0.16320530719616833},{"text":"So you will have, like, Woolworths and BHP, for example, or, like, the big companies.","start":837.05,"end":841.79,"sentiment":"neutral","sentiment_score":0.15370277563730875},{"text":"So it still gives you, like, that similar exposure through the market, but it is a little bit cheaper, and we're seeing a little bit less fluctuation in that investment.","start":842.81,"end":850.82996,"sentiment":"neutral","sentiment_score":0.2176109050710996}],"sentiment":"neutral","sentiment_score":0.17980878569540523,"num_words":126,"start":802.97504,"end":850.82996},{"sentences":[{"text":"What we've also done is kind of streamline the international investment, so you are kind of getting more of a clearer global exposure across US, Europe, and other developed markets, but without kind of having unnecessary overlap.","start":852.625,"end":867.685,"sentiment":"neutral","sentiment_score":0.29764281616017624},{"text":"So we don't wanna have you too much in one market because if something were to happen, obviously, we wanna make sure we diversify across everywhere for you.","start":868.17,"end":876.83,"sentiment":"neutral","sentiment_score":0.22973628767899104},{"text":"And we've kind of also introduced a little bit of a small allocation to bonds, and that is simply just to provide stability and kind of maintain investments like gold and your cybersecurity, again, for kind of diversification.","start":878.01,"end":893.435,"sentiment":"positive","sentiment_score":0.356873535011944},{"text":"But essentially, Troy, the portfolio is kind of now more aligned as a bit more of a cost efficient way.","start":895.14,"end":901.16003,"sentiment":"positive","sentiment_score":0.4405504360795021},{"text":"It is a little bit more diversified, which again will help with today's market condition, and it's also slightly more balanced from a risk perspective while still very much focusing on your long term growth.","start":901.46,"end":914.885,"sentiment":"positive","sentiment_score":0.4890657390866961}],"sentiment":"positive","sentiment_score":0.36034749476592753,"num_words":158,"start":852.625,"end":914.885},{"sentences":[{"text":"Now in the appendix, because sometimes this can be a lot, And if it is something you wanna read up on yourself, in the appendix, I've actually included investment links.","start":917.025,"end":927.14,"sentiment":"neutral","sentiment_score":0.0922586627304554},{"text":"So it allows you to click on it, and you can actually read on each of the investments I have recommended.","start":927.52,"end":932.88,"sentiment":"neutral","sentiment_score":0.253099486941383},{"text":"It's all if it is something that you wanna read up on a little bit more.","start":932.88,"end":936.26,"sentiment":"neutral","sentiment_score":0.14629029156640172},{"text":"Does that does that all make sense so far?","start":937.675,"end":940.335,"sentiment":"neutral","sentiment_score":0.3208120067914327},{"text":"Yep.","start":941.915,"end":942.395,"sentiment":"neutral","sentiment_score":0.31617340445518494}],"sentiment":"neutral","sentiment_score":0.17697370439380794,"num_words":77,"start":917.025,"end":942.395},{"sentences":[{"text":"Perfect.","start":942.395,"end":942.895,"sentiment":"positive","sentiment_score":0.5976618528366089},{"text":"Now on the next page, you will see your proposed asset allocation.","start":943.435,"end":948.255,"sentiment":"neutral","sentiment_score":0.22327600171168646},{"text":"Can you see that okay?","start":948.635,"end":949.935,"sentiment":"neutral","sentiment_score":0.22384383380413056},{"text":"Yep.","start":951.84,"end":952.24,"sentiment":"neutral","sentiment_score":0.2267912924289703},{"text":"Perfect.","start":952.24,"end":952.74,"sentiment":"positive","sentiment_score":0.4308737516403198}],"sentiment":"neutral","sentiment_score":0.25269290432333946,"num_words":20,"start":942.395,"end":952.74},{"sentences":[{"text":"Now you can kind of see the first column, which is your risk profile, your existing portfolio, and then the proposed.","start":952.96,"end":961.54,"sentiment":"neutral","sentiment_score":0.19123441974322},{"text":"So you can see that both your existing and your proposed are very closely related to your risk profile and are quite similar in terms of, you know, the level of risk.","start":961.92,"end":973.625,"sentiment":"neutral","sentiment_score":0.1805439491290599},{"text":"It is slightly less in the proposed to your existing, but both kind of very much align with your tolerance and everything.","start":973.625,"end":981.6,"sentiment":"neutral","sentiment_score":0.21961514821106737},{"text":"Yep.","start":983.51996,"end":984.0,"sentiment":"neutral","sentiment_score":0.28518930077552795},{"text":"Perfect.","start":984.0,"end":984.5,"sentiment":"neutral","sentiment_score":-0.018091881647706032}],"sentiment":"neutral","sentiment_score":0.1934020761884265,"num_words":77,"start":952.96,"end":984.5},{"sentences":[{"text":"Now on the next page, you can kind of see I've done a bit of an updated retirement income calculation for you just kind of based on your your current situation and everything, and that shows you that if you want to start drawing an income at the age of 65.","start":984.95996,"end":1005.09503,"sentiment":"neutral","sentiment_score":0.049602918765124154},{"text":"So you can see kind of, like, the dark color that is money from your superannuation.","start":1005.315,"end":1010.83997,"sentiment":"neutral","sentiment_score":0.03947542468085885},{"text":"The blue is their potential age pension.","start":1012.02,"end":1015.48,"sentiment":"neutral","sentiment_score":0.05191024552498545},{"text":"So kind of based on the information we have right now, you might be eligible for for some of that.","start":1015.54,"end":1020.58,"sentiment":"neutral","sentiment_score":0.07190691214054823},{"text":"So that just kind of shows you your retirement income of wanting to ideally draw, excuse me, that thousand dollars per week from superannuation, and they will approximately take you through age 92.","start":1020.58,"end":1037.75,"sentiment":"neutral","sentiment_score":0.07656605632016153}],"sentiment":"neutral","sentiment_score":0.058972798991860365,"num_words":127,"start":984.95996,"end":1037.75},{"sentences":[{"text":"And then from then, it would just be age pension potentially.","start":1037.81,"end":1042.31,"sentiment":"neutral","sentiment_score":0.06488858705217188},{"text":"No.","start":1047.25,"end":1047.5701,"sentiment":"neutral","sentiment_score":0.02939722314476967},{"text":"And sometimes it's good.","start":1047.5701,"end":1048.6101,"sentiment":"neutral","sentiment_score":0.025386573746800423},{"text":"And, obviously, there are variables that can change.","start":1048.6101,"end":1050.8501,"sentiment":"neutral","sentiment_score":-0.009370469022542238},{"text":"So, obviously, if you decide to not contribute at all or anything changes, it's obviously not certain.","start":1050.8501,"end":1058.0449,"sentiment":"neutral","sentiment_score":-0.05409883970723433}],"sentiment":"neutral","sentiment_score":-0.0036567329633526687,"num_words":41,"start":1037.81,"end":1058.0449},{"sentences":[{"text":"But based on kind of the way things are looking at the moment, that's what we are kind of looking at.","start":1058.0449,"end":1062.845,"sentiment":"neutral","sentiment_score":-0.003952593897424993},{"text":"And sometimes it's good to kind of just reassess to be like, okay.","start":1062.845,"end":1066.125,"sentiment":"neutral","sentiment_score":0.07451099759111038},{"text":"Well, you know, it is kind of possible, and it will last me as well as well.","start":1066.125,"end":1070.97,"sentiment":"neutral","sentiment_score":0.2119698866325266},{"text":"So it's a good kind of check-in.","start":1070.97,"end":1072.43,"sentiment":"neutral","sentiment_score":0.27529503617967876},{"text":"Yeah.","start":1075.2101,"end":1075.7101,"sentiment":"neutral","sentiment_score":0.08209846168756485}],"sentiment":"neutral","sentiment_score":0.11014051329723354,"num_words":59,"start":1058.0449,"end":1075.7101},{"sentences":[{"text":"Now the last thing in this document here is just some general information in regards to the beneficiary nomination like I mentioned.","start":1076.73,"end":1083.945,"sentiment":"neutral","sentiment_score":0.07739984785968607},{"text":"Now last time you mentioned that you want to give your super to your son.","start":1084.645,"end":1089.625,"sentiment":"neutral","sentiment_score":0.0901416557530562},{"text":"Just some general information in regards through that for you.","start":1090.085,"end":1094.34,"sentiment":"neutral","sentiment_score":0.08706319853663444},{"text":"So I'll let you have a read over that in your own time.","start":1094.34,"end":1098.04,"sentiment":"neutral","sentiment_score":0.07113779651430938},{"text":"The last thing I do wanna mention, which is page 20 yes?","start":1099.86,"end":1104.04,"sentiment":"neutral","sentiment_score":0.04065191218008598}],"sentiment":"neutral","sentiment_score":0.07414121910308798,"num_words":72,"start":1076.73,"end":1104.04},{"sentences":[{"text":"Okay.","start":1107.405,"end":1107.905,"sentiment":"neutral","sentiment_score":0.05974120646715164},{"text":"That's okay.","start":1108.045,"end":1108.9451,"sentiment":"neutral","sentiment_score":0.07724561914801598},{"text":"Fifty fifty.","start":1110.125,"end":1111.005,"sentiment":"neutral","sentiment_score":0.04892156645655632},{"text":"That's okay.","start":1111.005,"end":1111.8251,"sentiment":"neutral","sentiment_score":0.1005575843155384},{"text":"Because we haven't submitted the form, so because you have to get a witness and website, This is just the information for you.","start":1112.8451,"end":1123.24,"sentiment":"neutral","sentiment_score":0.056497595232465996}],"sentiment":"neutral","sentiment_score":0.06042118122180303,"num_words":30,"start":1107.405,"end":1123.24},{"sentences":[{"text":"So I will just let the team know that we'll send them out to you.","start":1123.24,"end":1126.6,"sentiment":"neutral","sentiment_score":0.10068259040514628},{"text":"You will still be able to complete them yourself so you can do the fifty fifty to both your sons.","start":1126.6,"end":1132.7,"sentiment":"positive","sentiment_score":0.3730955496430397},{"text":"And in terms of, you know, advantages and this is, like, it's all the same because they're both your children.","start":1132.995,"end":1138.455,"sentiment":"neutral","sentiment_score":0.29576934725046156},{"text":"Yep.","start":1140.275,"end":1140.775,"sentiment":"positive","sentiment_score":0.424665093421936},{"text":"Perfect.","start":1140.835,"end":1141.335,"sentiment":"positive","sentiment_score":0.7369506359100342}],"sentiment":"neutral","sentiment_score":0.28156407935577527,"num_words":57,"start":1123.24,"end":1141.335},{"sentences":[{"text":"Now the last thing here for you, Troy, is just page 24, which is just showing you remuneration.","start":1142.595,"end":1150.19,"sentiment":"neutral","sentiment_score":0.19533867182003128},{"text":"Let me know when you can see that.","start":1153.9299,"end":1155.7899,"sentiment":"neutral","sentiment_score":0.1338481269776821},{"text":"Yep.","start":1165.805,"end":1166.305,"sentiment":"neutral","sentiment_score":0.2681039273738861},{"text":"So if you're already happy and you wanted to go ahead with the changes today, there is no additional fees and charges at all.","start":1166.525,"end":1174.7051,"sentiment":"positive","sentiment_score":0.46782834579547244},{"text":"It is all part of the ongoing advice fee that you pay.","start":1174.9099,"end":1178.9299,"sentiment":"positive","sentiment_score":0.4816368296742439}],"sentiment":"positive","sentiment_score":0.34702392525616144,"num_words":63,"start":1142.595,"end":1178.9299},{"sentences":[{"text":"No changes in regards to that either.","start":1179.07,"end":1180.99,"sentiment":"neutral","sentiment_score":0.3088867025715964},{"text":"It just stays exactly the same at that 1.65% or from superannuation.","start":1180.99,"end":1186.69,"sentiment":"positive","sentiment_score":0.503230556845665},{"text":"So, again, no additional fees or charges or anything like that.","start":1187.23,"end":1190.805,"sentiment":"neutral","sentiment_score":0.3168221427635713},{"text":"This is all part of that ongoing service for you.","start":1190.885,"end":1193.8651,"sentiment":"positive","sentiment_score":0.5346440434455871},{"text":"No problem.","start":1196.405,"end":1197.2251,"sentiment":"positive","sentiment_score":0.33460988104343414}],"sentiment":"positive","sentiment_score":0.42146850874026615,"num_words":42,"start":1179.07,"end":1197.2251},{"sentences":[{"text":"Now, Troy, if you wanna get out of this document, I will quickly show you that Vanguard example for you as well.","start":1197.6051,"end":1205.2251,"sentiment":"neutral","sentiment_score":0.1909416433085095},{"text":"So if you can click out of the email and then scroll down for me, you should see a couple of attachments in the email.","start":1206.37,"end":1214.87,"sentiment":"neutral","sentiment_score":0.12978993773460387},{"text":"Yeah.","start":1217.49,"end":1217.99,"sentiment":"neutral","sentiment_score":0.06926119327545166},{"text":"Now is that one that's correct?","start":1218.13,"end":1221.035,"sentiment":"neutral","sentiment_score":0.05524967176218828},{"text":"Yes.","start":1221.0951,"end":1221.5951,"sentiment":"neutral","sentiment_score":0.0407882034778595}],"sentiment":"neutral","sentiment_score":0.14340021860870447,"num_words":55,"start":1197.6051,"end":1221.5951},{"sentences":[{"text":"Can you see the one where it says SOA appendix?","start":1221.9751,"end":1225.035,"sentiment":"neutral","sentiment_score":0.034736505895853045},{"text":"Yep.","start":1229.415,"end":1229.735,"sentiment":"neutral","sentiment_score":0.05397135764360428},{"text":"If you can click on that one for me.","start":1229.735,"end":1231.515,"sentiment":"neutral","sentiment_score":0.053141514046324625},{"text":"Yep.","start":1233.21,"end":1233.71,"sentiment":"neutral","sentiment_score":0.07667303085327148},{"text":"Now this is kind of where the research and stuff goes in.","start":1234.25,"end":1237.7899,"sentiment":"neutral","sentiment_score":0.09408412190775077}],"sentiment":"neutral","sentiment_score":0.06319068293228294,"num_words":33,"start":1221.9751,"end":1237.7899},{"sentences":[{"text":"But if you can scroll down through let me see here.","start":1238.1699,"end":1243.15,"sentiment":"neutral","sentiment_score":0.06986550004644827},{"text":"If you can scroll through page seven for me four first, it should say investment returns like for like.","start":1244.09,"end":1255.355,"sentiment":"neutral","sentiment_score":0.0807431353942344},{"text":"Can you see that?","start":1255.355,"end":1256.415,"sentiment":"neutral","sentiment_score":0.0582888238132},{"text":"Yep.","start":1257.035,"end":1257.535,"sentiment":"neutral","sentiment_score":0.11478902399539948},{"text":"Now this is the table that includes your contribution.","start":1257.675,"end":1260.495,"sentiment":"neutral","sentiment_score":0.15399580862787035}],"sentiment":"neutral","sentiment_score":0.0917396970431913,"num_words":44,"start":1238.1699,"end":1260.495},{"sentences":[{"text":"So, obviously, once you've spoken to your new bookkeeper, got all that sorted, we'll keep an eye on it as well.","start":1260.6,"end":1265.5599,"sentiment":"neutral","sentiment_score":0.22579311614944822},{"text":"So making sure that it comes in, this is, again, no changes.","start":1265.5599,"end":1270.44,"sentiment":"neutral","sentiment_score":0.2634330776830514},{"text":"It just shows you with, obviously, those contributions going in, you will make a bigger difference in terms of your superannuation balance.","start":1270.44,"end":1277.485,"sentiment":"positive","sentiment_score":0.5060159699483351},{"text":"And then the one underneath that, which shows you alternative comparison.","start":1279.7051,"end":1285.005,"sentiment":"neutral","sentiment_score":0.02811971628530459},{"text":"Can you see that?","start":1285.225,"end":1286.365,"sentiment":"neutral","sentiment_score":0.03170835133641958}],"sentiment":"neutral","sentiment_score":0.27816219992403474,"num_words":70,"start":1260.6,"end":1286.365},{"sentences":[{"text":"So it should be page eight.","start":1291.29,"end":1292.91,"sentiment":"neutral","sentiment_score":0.04849700815975666},{"text":"Yeah.","start":1296.17,"end":1296.67,"sentiment":"neutral","sentiment_score":0.02112872153520584},{"text":"Yes.","start":1298.57,"end":1299.07,"sentiment":"neutral","sentiment_score":0.031785011291503906},{"text":"So can you see the heading where it says alternative comparison?","start":1299.29,"end":1303.3151,"sentiment":"neutral","sentiment_score":0.021003391678360375},{"text":"Yes.","start":1307.4551,"end":1307.9551,"sentiment":"neutral","sentiment_score":0.05461157113313675}],"sentiment":"neutral","sentiment_score":0.03147723306901753,"num_words":20,"start":1291.29,"end":1307.9551},{"sentences":[{"text":"Now this yes.","start":1308.175,"end":1310.275,"sentiment":"neutral","sentiment_score":0.0727555975317955},{"text":"So what I have compared, it's the the recommendations against Vanguard.","start":1310.495,"end":1316.275,"sentiment":"neutral","sentiment_score":0.10305118628523567},{"text":"So you can see here that Vanguard, as a platform, is a bit cheaper.","start":1316.99,"end":1321.9701,"sentiment":"neutral","sentiment_score":0.2621613751564707},{"text":"Now this also means that if you go to Vanguard, there is no adviser fee as well.","start":1322.3501,"end":1326.3501,"sentiment":"neutral","sentiment_score":0.2336794260670157},{"text":"So I've made that comparison so you can see it more accurately.","start":1326.3501,"end":1329.81,"sentiment":"neutral","sentiment_score":0.27564938366413116}],"sentiment":"neutral","sentiment_score":0.21583213931635806,"num_words":57,"start":1308.175,"end":1329.81},{"sentences":[{"text":"So because of that, there is a bit cheaper in Vanguard.","start":1331.115,"end":1334.015,"sentiment":"neutral","sentiment_score":0.18972127410498532},{"text":"You can see that when we are using a three year rolling average, we couldn't find the information for the five year.","start":1334.555,"end":1342.395,"sentiment":"neutral","sentiment_score":-0.029031287963417442},{"text":"It wasn't published because it hasn't been around long enough.","start":1342.395,"end":1345.35,"sentiment":"neutral","sentiment_score":-0.07666631489992141},{"text":"So we're using three years to give you, again, apple for apple comparison in time frame.","start":1345.59,"end":1350.8099,"sentiment":"neutral","sentiment_score":0.03279345319606364},{"text":"Even though it's cheaper, it hasn't performed as well with investments.","start":1351.51,"end":1355.53,"sentiment":"neutral","sentiment_score":-0.17147460038011725}],"sentiment":"neutral","sentiment_score":-0.00971346888691187,"num_words":70,"start":1331.115,"end":1355.53},{"sentences":[{"text":"Yep.","start":1358.975,"end":1359.475,"sentiment":"neutral","sentiment_score":0.027637414634227753},{"text":"Now also at the top where it says the balance, the difference there would be the tax again.","start":1359.615,"end":1366.355,"sentiment":"neutral","sentiment_score":-0.016824281722721126},{"text":"So because your investments in that will have done pretty good, they've gone up, if you wanna do a full sell down and move to Vanguard, the tax that would come out would be about 4,077.","start":1366.8151,"end":1380.09,"sentiment":"neutral","sentiment_score":0.05262331390339467},{"text":"Yeah.","start":1382.95,"end":1383.43,"sentiment":"neutral","sentiment_score":0.05611728131771088},{"text":"So good news is that your investments have gone up, which is great.","start":1383.43,"end":1386.285,"sentiment":"neutral","sentiment_score":0.262219454233463}],"sentiment":"neutral","sentiment_score":0.07368420044203168,"num_words":69,"start":1358.975,"end":1386.285},{"sentences":[{"text":"Bad news is that if you do wanna do a full sell down, it would mean more tax.","start":1386.365,"end":1390.525,"sentiment":"negative","sentiment_score":-0.4648587918943829},{"text":"So it's kind of that, you know, good and bad in a way.","start":1390.525,"end":1396.305,"sentiment":"negative","sentiment_score":-0.44135855023677534},{"text":"But but, basically, like even though it is slightly cheaper, it hasn't performed as well historically.","start":1397.405,"end":1409.68,"sentiment":"negative","sentiment_score":-0.39274876192212105},{"text":"And with the CGP, it wouldn't put you in as good of a position.","start":1410.315,"end":1415.2949,"sentiment":"negative","sentiment_score":-0.39115353567259653},{"text":"So, therefore, I did recommend that you stay in that bus.","start":1415.835,"end":1419.455,"sentiment":"neutral","sentiment_score":0.06476089426062324}],"sentiment":"negative","sentiment_score":-0.34934554528445005,"num_words":72,"start":1386.365,"end":1419.455},{"sentences":[{"text":"Yep.","start":1421.195,"end":1421.595,"sentiment":"neutral","sentiment_score":0.15729129314422607},{"text":"Perfect.","start":1421.595,"end":1422.095,"sentiment":"positive","sentiment_score":0.41509073972702026},{"text":"Now that was essentially everything that I needed to go over with you.","start":1422.57,"end":1427.13,"sentiment":"neutral","sentiment_score":0.13113766822677392},{"text":"Do you have any questions for me, Troy, or was that fairly straightforward?","start":1427.13,"end":1430.99,"sentiment":"neutral","sentiment_score":0.04901361709030775},{"text":"Yes.","start":1433.7699,"end":1434.2699,"sentiment":"positive","sentiment_score":0.3643280863761902}],"sentiment":"neutral","sentiment_score":0.11305782166791373,"num_words":29,"start":1421.195,"end":1434.2699},{"sentences":[{"text":"Perfect.","start":1434.33,"end":1434.83,"sentiment":"positive","sentiment_score":0.6765810251235962},{"text":"So, basically, from here is if you would like to go ahead with the change, I will need you to sign the documents.","start":1435.325,"end":1443.665,"sentiment":"neutral","sentiment_score":0.22495142921157504},{"text":"So how you do that is clicking back on the link.","start":1443.805,"end":1447.02,"sentiment":"neutral","sentiment_score":0.12262658774852753},{"text":"It will get you to sign it, then it will send it back to me, and I will get the team to action that for you.","start":1447.5801,"end":1457.4401,"sentiment":"neutral","sentiment_score":0.17352116709718338},{"text":"Yes.","start":1459.5801,"end":1460.06,"sentiment":"neutral","sentiment_score":0.3139747679233551}],"sentiment":"neutral","sentiment_score":0.1939497012044153,"num_words":62,"start":1434.33,"end":1460.06},{"sentences":[{"text":"If you are happy with that.","start":1460.06,"end":1461.68,"sentiment":"positive","sentiment_score":0.5326507488886515},{"text":"Yes.","start":1461.98,"end":1462.48,"sentiment":"neutral","sentiment_score":0.2536128759384155},{"text":"Yes, please.","start":1466.835,"end":1467.735,"sentiment":"neutral","sentiment_score":0.08542779088020325},{"text":"Yes, please.","start":1468.115,"end":1469.015,"sentiment":"neutral","sentiment_score":0.12541335076093674},{"text":"And because it's a bit of a new software, let me know if you have any issues as well.","start":1474.115,"end":1483.9,"sentiment":"neutral","sentiment_score":0.04902873952922068}],"sentiment":"neutral","sentiment_score":0.16009152345359326,"num_words":30,"start":1460.06,"end":1483.9},{"sentences":[{"text":"I can't refresh it.","start":1486.92,"end":1488.3601,"sentiment":"neutral","sentiment_score":-0.1757570579648018},{"text":"Yeah.","start":1488.3601,"end":1488.52,"sentiment":"neutral","sentiment_score":-0.04453714936971664},{"text":"Does it say it's usually when you says, like when it says complete and finished on your end, that's when it comes back to me.","start":1488.52,"end":1495.4751,"sentiment":"neutral","sentiment_score":-0.012562406808137893},{"text":"Yeah.","start":1498.8151,"end":1499.135,"sentiment":"neutral","sentiment_score":0.04419804364442825},{"text":"So it should automatically, but it's the April 2, which is pretty crazy that it's April already.","start":1499.135,"end":1504.275,"sentiment":"neutral","sentiment_score":-0.02004335990504307}],"sentiment":"neutral","sentiment_score":-0.02829509637861823,"num_words":48,"start":1486.92,"end":1504.275},{"sentences":[{"text":"Yep.","start":1508.1901,"end":1508.6901,"sentiment":"neutral","sentiment_score":0.03399132564663887},{"text":"Yeah.","start":1509.55,"end":1509.87,"sentiment":"neutral","sentiment_score":0.007187343202531338},{"text":"So you could you can just put NA.","start":1509.87,"end":1512.77,"sentiment":"neutral","sentiment_score":0.010256399167701602},{"text":"That is just if you had any changes you wanted to make.","start":1513.15,"end":1516.77,"sentiment":"neutral","sentiment_score":0.05032180498043696},{"text":"It's a textbook where you could type that in.","start":1516.91,"end":1519.5701,"sentiment":"neutral","sentiment_score":0.04820568859577179}],"sentiment":"neutral","sentiment_score":0.037449765139289444,"num_words":31,"start":1508.1901,"end":1519.5701},{"sentences":[{"text":"But otherwise, you can just put NA or just a dot, a full stop or anything really.","start":1520.1901,"end":1525.3049,"sentiment":"neutral","sentiment_score":0.02553855671602137},{"text":"Yep.","start":1528.725,"end":1529.205,"sentiment":"neutral","sentiment_score":0.07498294860124588},{"text":"And then I'll refresh that on my end.","start":1529.205,"end":1531.705,"sentiment":"neutral","sentiment_score":0.06372203817591071},{"text":"That all said complete completed on your end?","start":1539.1499,"end":1542.2899,"sentiment":"neutral","sentiment_score":0.07115792343392968},{"text":"Yep.","start":1543.63,"end":1544.0299,"sentiment":"neutral","sentiment_score":0.06620156764984131}],"sentiment":"neutral","sentiment_score":0.04726799066577639,"num_words":35,"start":1520.1901,"end":1544.0299},{"sentences":[{"text":"Perfect.","start":1544.0299,"end":1544.5299,"sentiment":"positive","sentiment_score":0.4168030023574829},{"text":"Yep.","start":1545.23,"end":1545.63,"sentiment":"neutral","sentiment_score":0.1611819565296173},{"text":"You can just close it.","start":1545.63,"end":1547.09,"sentiment":"neutral","sentiment_score":0.10377772003412247},{"text":"Now sometimes it does take a couple of minutes depending on how oh, let me have a look here.","start":1547.1499,"end":1553.25,"sentiment":"neutral","sentiment_score":0.03926267553316919},{"text":"Yep.","start":1553.8151,"end":1554.055,"sentiment":"neutral","sentiment_score":0.20110683143138883}],"sentiment":"neutral","sentiment_score":0.0757026379859006,"num_words":27,"start":1544.0299,"end":1554.055},{"sentences":[{"text":"Perfect.","start":1554.055,"end":1554.555,"sentiment":"positive","sentiment_score":0.6137442588806152},{"text":"That's all come through on my end, which is great.","start":1554.615,"end":1557.035,"sentiment":"positive","sentiment_score":0.7605658411979676},{"text":"I will let the team know, and we'll go ahead and make this change for you.","start":1557.255,"end":1561.1951,"sentiment":"positive","sentiment_score":0.5532533968798816},{"text":"Otherwise, do you have any questions for me at this point before I kind of let you go and get on with your day through?","start":1562.775,"end":1568.9551,"sentiment":"neutral","sentiment_score":0.08515184625983238},{"text":"No.","start":1572.5801,"end":1572.8201,"sentiment":"neutral","sentiment_score":0.3329204320907593}],"sentiment":"positive","sentiment_score":0.3685504454627352,"num_words":53,"start":1554.055,"end":1572.8201},{"sentences":[{"text":"No problem at all.","start":1572.8201,"end":1574.04,"sentiment":"positive","sentiment_score":0.456789493560791},{"text":"If there is anything that you need, any questions, or anything that you need at all, though, don't hesitate to give me a call or send me an email, and I can always book you in for a bit of a catch up.","start":1574.1001,"end":1584.76,"sentiment":"neutral","sentiment_score":0.2558018601564474},{"text":"Perfect.","start":1587.085,"end":1587.565,"sentiment":"positive","sentiment_score":0.8015381097793579},{"text":"No problem, 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Yep. Yep. I was just ringing you just then. Sorry. I was on the phone before. Yes. No. That's alright. Yeah. Sure, dear. Sure. Troy Baysley, 1 Poole Street in Eglinton, New South Wales. And then 11111171. Oh, it's been alright. I've been plating. Yeah. No. No. I think. Thank you. Yep. I got it. Sure. Yep. Yep. Sure. Yep. Sure. Yes. It does. Yep. Yep. Uh-huh. My profile, my name, and everything. One more page. Your risk profile. Yeah. Yeah. Yep. I got page 13. Yep. There's numbers in a table. Yep. Yes. I am currently just in talking to another bookkeeper, and we're gonna look at that too. Yep. Yes. Yep. Yep. Yep. Yes, sir. Is that up the top? Different. Yep. Yep. Awesome. Yes. Yep. Thank you. Yep. Yep. 100%. Is that is this before, like, obviously, the stock market's taken a bit taken a big hit with the fuel prices and Yep. Yes. Yes. Yes. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yeah. Thank you. It does. Okay. Yep. Yes. That's that's fantastic. Thank you for that. That's good. 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Yep. Yep. I was just ringing you just then. Sorry.\n\nI was on the phone before. Yes. No. That's alright. Yeah.\n\nSure, dear. Sure. Troy Baysley, 1 Poole Street in Eglinton, New South Wales. And then 11111171. Oh, it's been alright.\n\nI've been plating. Yeah. No. No. I think.\n\nThank you. Yep. I got it. Sure. Yep.\n\nYep. Sure. Yep. Sure. Yes.\n\nIt does. Yep. Yep. Uh-huh. My profile, my name, and everything.\n\nOne more page. Your risk profile. Yeah. Yeah. Yep.\n\nI got page 13. Yep. There's numbers in a table. Yep. Yes.\n\nI am currently just in talking to another bookkeeper, and we're gonna look at that too. Yep. Yes. Yep. Yep.\n\nYep. Yes, sir. Is that up the top? Different. Yep.\n\nYep. Awesome. Yes. Yep. Thank you.\n\nYep. Yep. 100%. Is that is this before, like, obviously, the stock market's taken a bit taken a big hit with the fuel prices and Yep. Yes.\n\nYes. Yes. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yeah. Thank you. It does. Okay.\n\nYep. Yes. 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Thing.","start":1506.01,"end":1508.65,"sentiment":"neutral","sentiment_score":-0.015928258032848436},{"text":"Do I have to sign that?","start":1508.65,"end":1510.83,"sentiment":"neutral","sentiment_score":0.00631322789316376},{"text":"It's just writing it for you.","start":1526.15,"end":1528.33,"sentiment":"neutral","sentiment_score":0.06134516311188539},{"text":"Yep.","start":1539.5751,"end":1540.0751,"sentiment":"neutral","sentiment_score":0.0507524311542511},{"text":"I just graduated.","start":1543.415,"end":1544.4751,"sentiment":"neutral","sentiment_score":0.09033749252557755}],"sentiment":"neutral","sentiment_score":0.028733895752917637,"num_words":22,"start":1506.01,"end":1544.4751},{"sentences":[{"text":"You've answered everything today.","start":1569.785,"end":1571.385,"sentiment":"positive","sentiment_score":0.5049682855606079},{"text":"Thank you.","start":1571.385,"end":1572.125,"sentiment":"positive","sentiment_score":0.7324710786342621},{"text":"Sure.","start":1585.52,"end":1586.0,"sentiment":"positive","sentiment_score":0.4616802930831909},{"text":"Thank you.","start":1586.0,"end":1586.74,"sentiment":"positive","sentiment_score":0.7502627074718475},{"text":"You too.","start":1592.6309,"end":1593.1908,"sentiment":"positive","sentiment_score":0.6031277477741241}],"sentiment":"positive","sentiment_score":0.6048433184623718,"num_words":11,"start":1569.785,"end":1593.1908},{"sentences":[{"text":"Thanks.","start":1593.1908,"end":1593.5908,"sentiment":"positive","sentiment_score":0.6974970102310181},{"text":"Bye.","start":1593.5908,"end":1593.8308,"sentiment":"positive","sentiment_score":0.4653104245662689},{"text":"Have a good day, sir.","start":1593.8308,"end":1595.1309,"sentiment":"positive","sentiment_score":0.6337143421173096},{"text":"Bye.","start":1595.9108,"end":1596.4108,"sentiment":"neutral","sentiment_score":0.33150428533554077},{"text":"Bye.","start":1597.4308,"end":1597.9308,"sentiment":"neutral","sentiment_score":-0.11468512564897536}],"sentiment":"positive","sentiment_score":0.5053553672300445,"num_words":9,"start":1593.1908,"end":1597.9308}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon. Is\n\nChannel 1: Yep.\n\nChannel 0: this Troy?\n\nChannel 1: Yep. I was just ringing you just then. Sorry. I was on the phone before.\n\nChannel 0: No. That's okay. I thought sometimes I just call twice because people just miss me. And I was like, oh,\n\nChannel 1: Yes.\n\nChannel 0: I'll just call twice, and if you're not available, then you'll call me later. Sorry for your time.\n\nChannel 1: No.\n\nChannel 0: I\n\nChannel 1: That's\n\nChannel 0: had\n\nChannel 1: alright.\n\nChannel 0: you booked in just to go over your strategy recommendation. It is pretty quick today. Do you still have some\n\nChannel 1: Yeah.\n\nChannel 0: time to go over that?\n\nChannel 1: Sure,\n\nChannel 0: Yeah. Perfect. Now just before I do go\n\nChannel 1: dear.\n\nChannel 0: 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: Sure.\n\nChannel 0: Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?\n\nChannel 1: Troy Baysley, 1 Poole Street in Eglinton, New South Wales.\n\nChannel 0: Yep. Perfect. And\n\nChannel 1: And\n\nChannel 0: just\n\nChannel 1: then 11111171.\n\nChannel 0: yep. Perfect. That's the one. And how's your morning been so far? I've been busy.\n\nChannel 1: Oh, it's been alright. I've been plating. Yeah.\n\nChannel 0: Oh, yeah. Well, I will try not to take up too much of your time. Like I said, today\n\nChannel 1: No. No.\n\nChannel 0: is\n\nChannel 1: I\n\nChannel 0: pretty\n\nChannel 1: think.\n\nChannel 0: straightforward. Now, Troy, I did just send you an email with some documents to go through. Did you receive that at all, or do you have access to your emails at the moment?\n\nChannel 1: Thank you.\n\nChannel 0: Perfect. And sometimes it does end up in this spam folder as well.\n\nChannel 1: Yep. I got it.\n\nChannel 0: Okay. Perfect. Now if you can open that for me and click on the link where it says sign now, it won't ask you to sign right away. It would just allow you to open up and view the document first.\n\nChannel 1: Sure.\n\nChannel 0: So just let me know if we can see that. Okay? Yep. Perfect. Now can you see the cover page there okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Perfect. Now I know you've gone through a couple of days, and I'll tryna make it quick for you. A lot of it today is just my compliance point just to make sure you understand everything. But I have reviewed your superannuation, specifically that Benelon investment we spoke about last time, and I have made a a recommendation.\n\nNow I have also included the comparison for Vanguard because I know you kind of mentioned that you were looking at them at the moment. So from a comparison point of view, I have included all that research for Vanguard for you as well to show you.\n\nChannel 1: Sure.\n\nChannel 0: Yep. Perfect. Now on the cover page here, you can see that this has been prepared just for yourself and tailored to your needs. Now underneath that, you can see my details and my authorized representative number, and I am licensed under\n\nChannel 1: Yep.\n\nChannel 0: OQ Financial AFFR.\n\nChannel 1: Sure.\n\nChannel 0: Perfect. Now on the next page, you will see the best interest duty. Like always, all the recommendations and everything that we are providing to you has to be in your best interest, and it has to put you in a better position as a result of the advice. Otherwise, we\n\nChannel 1: Yes.\n\nChannel 0: can't actually make the recommendation. Does that make sense, Joyce?\n\nChannel 1: It does.\n\nChannel 0: Yep. Perfect. Now if you can kind of scroll through for me through page three, you will see scope of advice. So, essentially, what we are looking at today is mainly just your superannuation. Just reviewing your superannuation to see if we can put you in a better position.\n\nAnd then I have included just some general information and stuff in regards to estate planning as well just so we can make sure we do have that beneficiary nominated in the event that something does happen to you.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Now on the next two pages, you can see some other goals that you mentioned that we're not really addressing today. Definitely, it's something we can assist you with or refer you on through someone who can down the track. So for property, if you're looking at buying an investment property down the track, we can definitely refer you on to a mortgage broker who can help you with that. And same if you do need\n\nChannel 1: Yep.\n\nChannel 0: any assistance with, you know, saving or anything in regards to potential business acquisitions. Again, just let us know, and we can always see what we can assist you with down the track for that as well.\n\nChannel 1: Uh-huh.\n\nChannel 0: Perfect. Now I'll kind of just get you to scroll through for me. I'll let you have a read over that. On the next couple of pages, you'll just see some some information about you, your life style assets and liabilities, your current net worth balance, and then your risk profile, which is page eight. Can you see that?\n\nChannel 1: My profile, my name, and everything.\n\nChannel 0: So page eight where it says your risk profile. It should say high growth.\n\nChannel 1: One more page. Your risk profile. Yeah.\n\nChannel 0: Yes. That's the one. So do you remember last time when we kind of talked spoke about your risk tolerance and, you\n\nChannel 1: Yeah.\n\nChannel 0: know, your goals for super? So, basically, we're not changing the risk profile. We're keeping it high growth. It's still very much suitable for you trying to maximize that group. Just literally changing some of your investments around essentially.\n\nChannel 1: Yep.\n\nChannel 0: Now if you can scroll down through me actually first because it's usually easier to see the table. If you can scroll to page 13 for me, it should say see comparison.\n\nChannel 1: I got page 13. Yep.\n\nChannel 0: Yep. Perfect. You can see the little table with all the numbers and the map and everything?\n\nChannel 1: There's numbers in a table.\n\nChannel 0: Yes. Correct. So, basically, what I have recommended for you, Troy, is to keep your NetWealth. I did do a lot of research on your NetWealth and other competitors as well as well as Vanguard, which I have included in the appendix that I will go through with you. But kind of when factoring in, you know, all the features and the fees and the flexibility that Netwealth has with investment choices, I couldn't find anything that was going to put you in as good of a position as keeping you in net wealth and changing the investments.\n\nSo what\n\nChannel 1: Yep.\n\nChannel 0: I have recommended is that keeping you in net wealth and changing some of those investments for you. So you can basically see on the page here, you have your current situation. So your current balance in that one. You can also see all the fees. So admin fees, investment fees, adviser fees, everything there for you.\n\nNow I\n\nChannel 1: Yes.\n\nChannel 0: do wanna let you know as well that for the time being in this projection, I have included no contribution. Now I know that you are making contributions, but we had some issues with it going somewhere else. Did were you able to talk to them after last time and see what happened there?\n\nChannel 1: I am currently just in talking to another bookkeeper, and we're gonna look\n\nChannel 0: Okay.\n\nChannel 1: at that too.\n\nChannel 0: Okay. Perfect. So, obviously, when those contributions are coming into net worth again, it will make a bigger difference. So this\n\nChannel 1: Yep.\n\nChannel 0: is just to show you the, you know, the conservative option of not having contribution that it will still continue to move forward. But, obviously, those contributions will make a bigger difference.\n\nChannel 1: Yes.\n\nChannel 0: Now for your if your reference as well in the appendix, which I will show you when I show you the Vanguard option, I have also done this table with contribution so you can see the difference in, you know, the outcome for you as well. Does\n\nChannel 1: Yep.\n\nChannel 0: that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now you can see here as well your high growth portfolio in net wealth and using a five year rolling average. The portfolio that you are currently invested in in net wealth has gone about 8.32%.\n\nChannel 1: Yep.\n\nChannel 0: Now if you look on the recommended section, like I said, I have recommended that we retain net wealth, change some of those investments, and you can actually see the total cost, which just by changing some of those investments, for some that's been a little bit cheaper, it's saving you about $571 a year just in fees alone, which is pretty good.\n\nChannel 1: Yes, sir.\n\nChannel 0: Yeah. Now underneath that using the same five year time frame, you can see that the new recommended portfolio has performed at about 13.79%. So it has kind of outperformed historically looking your current portfolio with about 5.47%, which does make a pretty big difference. Yeah. It does make a big difference.\n\nNow I do wanna mention as well that Troy that if you look on the top row where it says the balance, and it says minus 241. Can you see that?\n\nChannel 1: Is that up the top?\n\nChannel 0: At the\n\nChannel 1: Different.\n\nChannel 0: top. Yes.\n\nChannel 1: Yep.\n\nChannel 0: Yes. Now\n\nChannel 1: Yep.\n\nChannel 0: the only reason that one is there is because that is capital gains tax. So when you are\n\nChannel 1: Awesome.\n\nChannel 0: selling in investments in super, you'll have to pay a little bit of tax on the earnings. Now we're trying to minimize that as much as possible when we've made the changes to the investments or recommended it, but\n\nChannel 1: Yes.\n\nChannel 0: it will be roughly about $241, which is not too bad really at all. And because you are saving those fees pretty quickly by changing the investments, that's that's a pretty good outcome as well. But I do wanna let you know so that you are aware.\n\nChannel 1: Yep. Thank you.\n\nChannel 0: Yep. Perfect. Now if you scroll down to the next page, you will then see just kind of projected forward for five and ten years just to show you\n\nChannel 1: Yep.\n\nChannel 0: And you can see as well that if you just look at, you know, the five year difference, and again, this doesn't include contributions. So with contributions, it will make a bigger difference. But just by\n\nChannel 1: Yep.\n\nChannel 0: changing some of your investments, it is making a pretty big difference when we are looking at compounding everything forward for you.\n\nChannel 1: 100%. Is\n\nChannel 0: Yeah.\n\nChannel 1: that is\n\nChannel 0: Now\n\nChannel 1: this before, like, obviously, the stock market's taken a bit taken a big hit\n\nChannel 0: This is\n\nChannel 1: with the fuel prices and\n\nChannel 0: sorry. This was prepared. So this was all put together on the March 24. So at that time, obviously, we'd already seen a bit of a drop. Now,\n\nChannel 1: Yep.\n\nChannel 0: obviously, things are continuously changing. And how we've also kind of put together the portfolio as well, I will go through. It is factoring in everything. But with your investments, because we are looking at a longer term, What is happening\n\nChannel 1: Yes.\n\nChannel 0: over here with the war and everything like that on a long term point of view won't affect your superannuation too much as long as it's invested in the correct way. If you were\n\nChannel 1: Yes.\n\nChannel 0: to retire tomorrow, then we might, you know, have changed some of those investment, not have as much high risk, and the impact would have been a bit higher. But because we are looking kind of long term, everything will kind of even out and come back as well with time.\n\nChannel 1: Yes.\n\nChannel 0: Yeah. But it is a good it's a good question. Now let me show you actually the investments, which is page 15. Can you see that?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. So this can look a little bit messy, but it shows you basically what we are looking at changing. So you can see the investment name, so that's what they're called. You can see kind\n\nChannel 1: Yep.\n\nChannel 0: of just, like, the ticket card. You can see your current weight allocation to how it's currently like, how much is invested into each of those investments, what that\n\nChannel 1: Yep.\n\nChannel 0: looks like in dollar value, and you have the buy and sell column. So this is what we are changing. So the red is what we are changing, and then the the black is what we are kind of buying and adding to it.\n\nChannel 1: Yep.\n\nChannel 0: You then have your target weight, so what we are looking at from a new percentage point of view and then how that balances out. But to kind of give\n\nChannel 1: Yep.\n\nChannel 0: you just like a brief overview, that we've kind of made in adjustments to kind of simplify the portfolio for you, but also kind of improve diversification.\n\nChannel 1: Yep.\n\nChannel 0: Previously, we did have you invested in that actively managed fund, like I mentioned last time, the Bennelong, which we've now kind of replaced with more of your broad low cost index. Still investing some in the Australian market, but more focusing on the 200 largest companies in Australia. So you will have, like, Woolworths and BHP, for example, or, like, the big companies. So it still gives you, like, that similar exposure through the market, but it is a little bit cheaper, and we're seeing a little bit less fluctuation in that investment.\n\nChannel 1: Yep.\n\nChannel 0: What we've also done is kind of streamline the international investment, so you are kind of getting more of a clearer global exposure across US, Europe, and other developed markets, but without kind of having unnecessary overlap. So we don't wanna have you too much in one market because if something were to happen, obviously, we wanna make sure we diversify across everywhere for you. And we've kind of also introduced a little bit of a small allocation to bonds, and that is simply just to provide stability and kind of maintain investments like gold and your cybersecurity, again, for kind of diversification. But essentially,\n\nChannel 1: Yep.\n\nChannel 0: Troy, the portfolio is kind of now more aligned as a bit more of a cost efficient way. It is a little bit more diversified, which again will help with today's market condition, and it's also slightly more balanced from a risk perspective while still very much focusing on your long term growth. Now in the appendix, because sometimes this can be a lot, And if it is something you wanna read up on\n\nChannel 1: Yep.\n\nChannel 0: yourself, in the appendix, I've actually included investment links. So it allows you to click on it, and you can actually read on each of the investments I have recommended. It's all if it is something that you wanna read up on a little bit more.\n\nChannel 1: Yeah. Thank\n\nChannel 0: Does\n\nChannel 1: you.\n\nChannel 0: that does that all make sense so far?\n\nChannel 1: It does.\n\nChannel 0: Yep. Perfect. Now on the next page, you will see your proposed asset allocation. Can you see that okay?\n\nChannel 1: Okay.\n\nChannel 0: Yep. Perfect. Now you can kind of see the first column, which is your risk profile, your existing portfolio, and then the proposed. So you can see that both your existing and your proposed are very closely related to your risk profile and are quite similar in terms of, you know, the level of risk. It is slightly less in the proposed to your existing, but both kind of very much align with your tolerance and everything.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now on the next page, you can kind of see I've done a bit of an updated retirement income calculation for you just kind of based on your your current situation and everything, and that shows you that if you want to start drawing an income at the age of 65. So you can see kind of, like, the dark color that is\n\nChannel 1: Yes.\n\nChannel 0: money from your superannuation. The blue is their potential age pension. So kind of based on the information we have right now, you might be eligible for for some of that. So that just kind of shows you your retirement income of wanting to ideally draw, excuse me, that thousand dollars per week from superannuation, and they will approximately take you through age 92. And then from then, it would just be age pension potentially.\n\nChannel 1: That's that's fantastic. Thank you for that. That's good.\n\nChannel 0: No. And sometimes it's good. And, obviously, there are variables that can change. So, obviously, if you decide to not contribute at all or anything changes, it's obviously not certain. But based on kind of the way things are looking at the moment, that's what we are kind of looking at.\n\nAnd sometimes it's good to kind of just reassess to be like, okay. Well, you know, it is kind of possible, and it will last me as well as well. So it's a good kind of check-in.\n\nChannel 1: Yeah. A 100%.\n\nChannel 0: Yeah. Now the last thing in this document here is just some general information in regards to the beneficiary nomination like I mentioned. Now last time you mentioned that you want to give your super to your son. Just some general information in regards through that for you. So I'll let you have a read over that in your own time.\n\nChannel 1: Yeah.\n\nChannel 0: The last thing I do wanna mention, which is page 20 yes?\n\nChannel 1: Was it it was basically for both my boys?\n\nChannel 0: Okay. That's okay.\n\nChannel 1: Fifteen fifty.\n\nChannel 0: Fifty fifty. That's okay.\n\nChannel 1: Yeah.\n\nChannel 0: Because we haven't submitted the form, so because you have to get a witness and website, This is just\n\nChannel 1: Yep.\n\nChannel 0: the information for you. So I will just let the team know that we'll send them out to you. You will still be able to complete them yourself so you can\n\nChannel 1: Yep.\n\nChannel 0: do the fifty fifty to both your sons. And in terms\n\nChannel 1: Alright then.\n\nChannel 0: of, you know, advantages and this is, like, it's all the same because they're both your children.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now the last thing here for you, Troy, is just page 24, which is just showing you remuneration. Let me know when you can see that.\n\nChannel 1: Yep.\n\nChannel 0: Yep. So if you're already happy and you wanted to go ahead with the changes today, there is no additional fees and charges at all. It is all part of the ongoing advice fee that you pay. No changes in regards to that either. It just stays exactly the same at that 1.65% or from superannuation.\n\nChannel 1: Yep.\n\nChannel 0: So, again, no additional fees or charges or anything like that. This is all part of that ongoing service for you.\n\nChannel 1: Okay. Thank you.\n\nChannel 0: No problem. Now, Troy, if you wanna get out of this document, I will quickly show you that Vanguard example for you as well. So if you can click out of the email and then scroll down for me, you should see a couple of attachments in the email.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Now is\n\nChannel 1: Right\n\nChannel 0: that one\n\nChannel 1: there on\n\nChannel 0: that's\n\nChannel 1: the bottom.\n\nChannel 0: correct? Yes. Can you see the one where it says SOA appendix?\n\nChannel 1: Yes.\n\nChannel 0: Yep. If you can click on that one for me.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Now this is kind of where the research and stuff goes in. But if you can scroll down through let me see here. If you can scroll through page seven for me four first, it should say investment returns like for\n\nChannel 1: Yep.\n\nChannel 0: like. Can you see that?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Now this is the table that includes your contribution. So, obviously, once you've spoken to your new bookkeeper, got all that sorted, we'll keep an eye on it as well. So making sure that it comes in, this is, again, no changes. It just shows you with, obviously, those contributions going in, you will make a bigger difference in terms of your superannuation balance.\n\nChannel 1: Yep.\n\nChannel 0: And then the one underneath that, which shows you alternative comparison. Can you see that? So it should be\n\nChannel 1: Alright.\n\nChannel 0: page\n\nChannel 1: Recommended.\n\nChannel 0: eight.\n\nChannel 1: Page eight. Maybe I'll go into\n\nChannel 0: Yeah.\n\nChannel 1: oh, page eight.\n\nChannel 0: Yes. So can\n\nChannel 1: See.\n\nChannel 0: you see the heading\n\nChannel 1: Cost\n\nChannel 0: where it says alternative comparison?\n\nChannel 1: comparison. Yes.\n\nChannel 0: Yes. Now\n\nChannel 1: My Bendigo.\n\nChannel 0: this yes. So what I have compared, it's the the recommendations against Vanguard. So\n\nChannel 1: Yep.\n\nChannel 0: you can see here that Vanguard, as a platform, is a bit cheaper. Now this also means that if you go to Vanguard, there is no adviser fee as well. So I've made that comparison so you can see it more accurately. So because of that, there is a bit cheaper in Vanguard. You can see that when we are using a three year rolling average, we couldn't find the information for the five year.\n\nIt wasn't published because it hasn't been around long enough. So we're using\n\nChannel 1: Yes.\n\nChannel 0: three years to give you, again, apple for apple comparison in time frame. Even though it's cheaper, it hasn't performed as well with investments.\n\nChannel 1: Yeah. I I say that. Yeah.\n\nChannel 0: Yep. Now also at the top where it says the balance, the difference there would be the tax again. So because\n\nChannel 1: Yes.\n\nChannel 0: your investments in that will have done pretty good, they've gone up, if you wanna do a full sell down and move to Vanguard, the tax that would come out would be about 4,077.\n\nChannel 1: Oh, well.\n\nChannel 0: Yeah. So good news is that your investments have gone up, which is great. Bad news is\n\nChannel 1: Yeah.\n\nChannel 0: that if you do wanna do a full sell down, it would mean more tax. So it's kind of that, you know, good and bad in a way.\n\nChannel 1: Yeah.\n\nChannel 0: But but, basically, like even though it is slightly cheaper, it hasn't performed as well historically. And with the CGP, it wouldn't put you in as good of a position. So, therefore,\n\nChannel 1: Yep.\n\nChannel 0: I did recommend that you stay in that bus.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now that was essentially everything that I needed to go over with you. Do you have any questions for me, Troy, or was that fairly straightforward?\n\nChannel 1: No. That's it.\n\nChannel 0: Yes. Perfect. So, basically, from here is if you would like to go ahead with the change, I will need you to sign the documents. So how you do that is clicking back on the link. It will get you to sign it, then it will send it back to me, and I will get the team to action\n\nChannel 1: So\n\nChannel 0: that\n\nChannel 1: this\n\nChannel 0: for\n\nChannel 1: bag\n\nChannel 0: you.\n\nChannel 1: was showing showing document.\n\nChannel 0: Yes. If you are happy with that. Yes.\n\nChannel 1: Yep. And click to start and\n\nChannel 0: Yes,\n\nChannel 1: showing.\n\nChannel 0: please.\n\nChannel 1: Yeah.\n\nChannel 0: Yes, please. And because it's a bit of a new software, let me know if you have any issues as\n\nChannel 1: No. It should be all done.\n\nChannel 0: well.\n\nChannel 1: Is it all done? Or do you cancel? Next.\n\nChannel 0: I can't refresh it. Yeah. Does it say it's usually when you says, like when it says complete and finished on your end, that's when it comes back to me.\n\nChannel 1: Oh, the date. What's oh, yeah. It's done.\n\nChannel 0: Yeah. So it should automatically, but it's the April 2, which is pretty crazy that it's April already.\n\nChannel 1: It says text in Big Thing.\n\nChannel 0: Yep.\n\nChannel 1: Do I\n\nChannel 0: Yeah.\n\nChannel 1: have to\n\nChannel 0: So\n\nChannel 1: sign\n\nChannel 0: you could\n\nChannel 1: that?\n\nChannel 0: you can just put NA. That is just if you had any changes you wanted to make. It's a textbook where you could type that in. But otherwise, you can just put NA or just a dot, a full stop or anything really.\n\nChannel 1: It's just writing it for you.\n\nChannel 0: Yep. And then I'll refresh that on my end. That all\n\nChannel 1: Yep.\n\nChannel 0: said complete completed on your end?\n\nChannel 1: I\n\nChannel 0: Yep.\n\nChannel 1: just graduated.\n\nChannel 0: Perfect. Yep. You can just close it. Now sometimes it does take a couple of minutes depending on how oh, let me have a look here. Yep.\n\nPerfect. That's all come through on my end, which is great. I will let the team know, and we'll go ahead and make this change for you. Otherwise, do you have any questions for me at this point before I kind of let you go and get on with your day through?\n\nChannel 1: You've answered everything today. Thank you.\n\nChannel 0: No. No problem at all. If there is anything that you need, any questions, or anything that you need at all, though, don't hesitate to give me a call or send me an email, and I can always book you in for a bit of a catch up.\n\nChannel 1: Sure. Thank you.\n\nChannel 0: Perfect. No problem, Troy. It was a pleasure speaking with you, and I look forward to speaking with you soon again.\n\nChannel 1: You too. Thanks. Bye. Have a\n\nChannel 0: Thanks.\n\nChannel 1: good day, sir.\n\nChannel 0: You too,\n\nChannel 1: Bye.\n\nChannel 0: Troy. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.39999998,"end":0.9,"sentiment":"neutral","sentiment_score":0.06268467009067535}],"sentiment":"neutral","sentiment_score":0.06268467009067535,"channel":1,"num_words":1,"start":0.39999998,"end":0.9},{"sentences":[{"text":"Good afternoon.","start":1.5999999,"end":2.24,"sentiment":"neutral","sentiment_score":0.3303556889295578},{"text":"Is","start":2.24,"end":2.48,"sentiment":"neutral","sentiment_score":0.11292719841003418}],"sentiment":"neutral","sentiment_score":0.2578795254230499,"channel":0,"num_words":3,"start":1.5999999,"end":2.48},{"sentences":[{"text":"Yep.","start":2.32,"end":2.82,"sentiment":"neutral","sentiment_score":0.09828333556652068}],"sentiment":"neutral","sentiment_score":0.09828333556652068,"channel":1,"num_words":1,"start":2.32,"end":2.82},{"sentences":[{"text":"this Troy?","start":2.48,"end":3.1399999,"sentiment":"neutral","sentiment_score":0.046253833919763565}],"sentiment":"neutral","sentiment_score":0.046253833919763565,"channel":0,"num_words":2,"start":2.48,"end":3.1399999},{"sentences":[{"text":"Yep.","start":3.76,"end":4.16,"sentiment":"neutral","sentiment_score":0.006510220002382994},{"text":"I was just ringing you just then.","start":4.16,"end":7.2799997,"sentiment":"neutral","sentiment_score":-0.037758270012480874},{"text":"Sorry.","start":7.2799997,"end":7.52,"sentiment":"neutral","sentiment_score":-0.12789401412010193},{"text":"I was on the phone before.","start":7.52,"end":8.9,"sentiment":"neutral","sentiment_score":-0.08965094139178593}],"sentiment":"neutral","sentiment_score":-0.06157315550372004,"channel":1,"num_words":15,"start":3.76,"end":8.9},{"sentences":[{"text":"No.","start":9.76,"end":10.26,"sentiment":"neutral","sentiment_score":-0.17398446798324585},{"text":"That's okay.","start":10.4,"end":11.3,"sentiment":"neutral","sentiment_score":-0.12692669034004211},{"text":"I thought sometimes I just call twice because people just miss me.","start":12.08,"end":15.765,"sentiment":"neutral","sentiment_score":-0.20770666127403578},{"text":"And I was like, oh,","start":16.245,"end":16.965,"sentiment":"neutral","sentiment_score":-0.11656483709812164}],"sentiment":"neutral","sentiment_score":-0.17515709847211838,"channel":0,"num_words":20,"start":9.76,"end":16.965},{"sentences":[{"text":"Yes.","start":16.885,"end":17.385,"sentiment":"neutral","sentiment_score":-0.06582902371883392}],"sentiment":"neutral","sentiment_score":-0.06582902371883392,"channel":1,"num_words":1,"start":16.885,"end":17.385},{"sentences":[{"text":"I'll just call twice, and if you're not available, then you'll call me later.","start":16.965,"end":19.845001,"sentiment":"neutral","sentiment_score":-0.1367361577493804},{"text":"Sorry for your time.","start":19.845001,"end":22.485,"sentiment":"neutral","sentiment_score":-0.2630978226661682}],"sentiment":"neutral","sentiment_score":-0.16481652773088878,"channel":0,"num_words":18,"start":16.965,"end":22.485},{"sentences":[{"text":"No.","start":22.325,"end":22.564999,"sentiment":"neutral","sentiment_score":-0.12081847339868546}],"sentiment":"neutral","sentiment_score":-0.12081847339868546,"channel":1,"num_words":1,"start":22.325,"end":22.564999},{"sentences":[{"text":"I","start":22.485,"end":22.645,"sentiment":"neutral","sentiment_score":-0.09898945689201356}],"sentiment":"neutral","sentiment_score":-0.09898945689201356,"channel":0,"num_words":1,"start":22.485,"end":22.645},{"sentences":[{"text":"That's","start":22.564999,"end":22.805,"sentiment":"neutral","sentiment_score":-0.05805586278438568}],"sentiment":"neutral","sentiment_score":-0.05805586278438568,"channel":1,"num_words":1,"start":22.564999,"end":22.805},{"sentences":[{"text":"had","start":22.645,"end":22.885,"sentiment":"neutral","sentiment_score":-0.03917008638381958}],"sentiment":"neutral","sentiment_score":-0.03917008638381958,"channel":0,"num_words":1,"start":22.645,"end":22.885},{"sentences":[{"text":"alright.","start":22.805,"end":23.305,"sentiment":"neutral","sentiment_score":0.04218490049242973}],"sentiment":"neutral","sentiment_score":0.04218490049242973,"channel":1,"num_words":1,"start":22.805,"end":23.305},{"sentences":[{"text":"you booked in just to go over your strategy recommendation.","start":22.885,"end":27.065,"sentiment":"neutral","sentiment_score":0.1210924118757248},{"text":"It is pretty quick today.","start":27.365,"end":28.825,"sentiment":"neutral","sentiment_score":0.31056441366672516},{"text":"Do you still have some","start":29.605,"end":30.485,"sentiment":"neutral","sentiment_score":0.03037429116666317}],"sentiment":"neutral","sentiment_score":0.1457808821462095,"channel":0,"num_words":20,"start":22.885,"end":30.485},{"sentences":[{"text":"Yeah.","start":30.36,"end":30.86,"sentiment":"neutral","sentiment_score":0.017057813704013824}],"sentiment":"neutral","sentiment_score":0.017057813704013824,"channel":1,"num_words":1,"start":30.36,"end":30.86},{"sentences":[{"text":"time to go over that?","start":30.485,"end":31.65,"sentiment":"neutral","sentiment_score":0.035160386562347413}],"sentiment":"neutral","sentiment_score":0.035160386562347413,"channel":0,"num_words":5,"start":30.485,"end":31.65},{"sentences":[{"text":"Sure,","start":32.52,"end":33.02,"sentiment":"neutral","sentiment_score":0.10515302419662476}],"sentiment":"neutral","sentiment_score":0.10515302419662476,"channel":1,"num_words":1,"start":32.52,"end":33.02},{"sentences":[{"text":"Yeah.","start":33.57,"end":34.07,"sentiment":"neutral","sentiment_score":0.17912627756595612},{"text":"Perfect.","start":34.13,"end":34.63,"sentiment":"positive","sentiment_score":0.4392359256744385},{"text":"Now just before I do go","start":34.93,"end":36.53,"sentiment":"neutral","sentiment_score":0.12956363459428152}],"sentiment":"neutral","sentiment_score":0.17446800135076046,"channel":0,"num_words":8,"start":33.57,"end":36.53},{"sentences":[{"text":"dear.","start":36.28,"end":36.78,"sentiment":"neutral","sentiment_score":0.09243758767843246}],"sentiment":"neutral","sentiment_score":0.09243758767843246,"channel":1,"num_words":1,"start":36.28,"end":36.78},{"sentences":[{"text":"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":36.53,"end":42.71,"sentiment":"neutral","sentiment_score":0.0906532180050145}],"sentiment":"neutral","sentiment_score":0.0906532180050145,"channel":0,"num_words":23,"start":36.53,"end":42.71},{"sentences":[{"text":"Sure.","start":43.32,"end":43.82,"sentiment":"neutral","sentiment_score":0.20568715035915375}],"sentiment":"neutral","sentiment_score":0.20568715035915375,"channel":1,"num_words":1,"start":43.32,"end":43.82},{"sentences":[{"text":"Perfect.","start":44.635002,"end":45.115,"sentiment":"positive","sentiment_score":0.3484852910041809},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?","start":45.115,"end":53.295002,"sentiment":"neutral","sentiment_score":0.1409964976975551}],"sentiment":"neutral","sentiment_score":0.14868126782002272,"channel":0,"num_words":27,"start":44.635002,"end":53.295002},{"sentences":[{"text":"Troy Baysley, 1 Poole Street in Eglinton, New South Wales.","start":54.285,"end":58.465,"sentiment":"neutral","sentiment_score":0.04977467656135559}],"sentiment":"neutral","sentiment_score":0.04977467656135559,"channel":1,"num_words":10,"start":54.285,"end":58.465},{"sentences":[{"text":"Yep.","start":59.25,"end":59.75,"sentiment":"neutral","sentiment_score":0.11092650890350342},{"text":"Perfect.","start":59.81,"end":60.21,"sentiment":"neutral","sentiment_score":0.28634318709373474},{"text":"And","start":60.21,"end":60.370003,"sentiment":"neutral","sentiment_score":0.13162074983119965}],"sentiment":"neutral","sentiment_score":0.17629681527614594,"channel":0,"num_words":3,"start":59.25,"end":60.370003},{"sentences":[{"text":"And","start":60.32,"end":60.4,"sentiment":"neutral","sentiment_score":0.09258858114480972}],"sentiment":"neutral","sentiment_score":0.09258858114480972,"channel":1,"num_words":1,"start":60.32,"end":60.4},{"sentences":[{"text":"just","start":60.370003,"end":60.870003,"sentiment":"neutral","sentiment_score":0.08914636820554733}],"sentiment":"neutral","sentiment_score":0.08914636820554733,"channel":0,"num_words":1,"start":60.370003,"end":60.870003},{"sentences":[{"text":"then 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alright.","start":69.04,"end":70.0,"sentiment":"neutral","sentiment_score":-0.03551003208849579},{"text":"I've been plating.","start":70.0,"end":72.325,"sentiment":"neutral","sentiment_score":-0.01622646488249302},{"text":"Yeah.","start":72.625,"end":73.125,"sentiment":"neutral","sentiment_score":-0.0012604966759681702}],"sentiment":"neutral","sentiment_score":-0.0239975024596788,"channel":1,"num_words":8,"start":69.04,"end":73.125},{"sentences":[{"text":"Oh, yeah.","start":72.905,"end":73.225,"sentiment":"neutral","sentiment_score":-0.00439639575779438},{"text":"Well, I will try not to take up too much of your time.","start":73.225,"end":76.505,"sentiment":"neutral","sentiment_score":-0.1201847788806145},{"text":"Like I said, today","start":76.505,"end":77.465,"sentiment":"neutral","sentiment_score":-0.023402943275868893}],"sentiment":"neutral","sentiment_score":-0.08762140474037121,"channel":0,"num_words":19,"start":72.905,"end":77.465},{"sentences":[{"text":"No.","start":77.185005,"end":77.425,"sentiment":"neutral","sentiment_score":-0.11753973364830016},{"text":"No.","start":77.425,"end":77.58501,"sentiment":"neutral","sentiment_score":-0.1756438910961151}],"sentiment":"neutral","sentiment_score":-0.14659181237220764,"channel":1,"num_words":2,"start":77.185005,"end":77.58501},{"sentences":[{"text":"is","start":77.465,"end":77.705,"sentiment":"neutral","sentiment_score":-0.12367479503154756}],"sentiment":"neutral","sentiment_score":-0.12367479503154756,"channel":0,"num_words":1,"start":77.465,"end":77.705},{"sentences":[{"text":"I","start":77.58501,"end":77.745,"sentiment":"neutral","sentiment_score":-0.15096937119960785}],"sentiment":"neutral","sentiment_score":-0.15096937119960785,"channel":1,"num_words":1,"start":77.58501,"end":77.745},{"sentences":[{"text":"pretty","start":77.705,"end":78.205,"sentiment":"neutral","sentiment_score":-0.1202508807182312}],"sentiment":"neutral","sentiment_score":-0.1202508807182312,"channel":0,"num_words":1,"start":77.705,"end":78.205},{"sentences":[{"text":"think.","start":77.745,"end":78.245,"sentiment":"neutral","sentiment_score":-0.14489851891994476}],"sentiment":"neutral","sentiment_score":-0.14489851891994476,"channel":1,"num_words":1,"start":77.745,"end":78.245},{"sentences":[{"text":"straightforward.","start":78.265,"end":78.765,"sentiment":"neutral","sentiment_score":-0.020745210349559784},{"text":"Now, Troy, I did just send you an email with some documents to go through.","start":80.825,"end":85.119995,"sentiment":"neutral","sentiment_score":0.07069806456565857},{"text":"Did you receive that at all, or do you have access to your emails at the moment?","start":85.119995,"end":88.74,"sentiment":"neutral","sentiment_score":0.01730571347562706}],"sentiment":"neutral","sentiment_score":0.04042190567336299,"channel":0,"num_words":33,"start":78.265,"end":88.74},{"sentences":[{"text":"Thank you.","start":89.880005,"end":90.700005,"sentiment":"neutral","sentiment_score":0.2467145174741745}],"sentiment":"neutral","sentiment_score":0.2467145174741745,"channel":1,"num_words":2,"start":89.880005,"end":90.700005},{"sentences":[{"text":"Perfect.","start":91.36,"end":91.86,"sentiment":"neutral","sentiment_score":0.16016677021980286},{"text":"And sometimes it does end up in this spam folder as 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away.","start":109.325005,"end":117.22,"sentiment":"neutral","sentiment_score":0.16348938156778997},{"text":"It would just allow you to open up and view the document first.","start":117.22,"end":120.6,"sentiment":"neutral","sentiment_score":0.1496637463569641}],"sentiment":"neutral","sentiment_score":0.16259694408352782,"channel":0,"num_words":41,"start":108.125,"end":120.6},{"sentences":[{"text":"Sure.","start":121.96,"end":122.46,"sentiment":"neutral","sentiment_score":0.11911606788635254}],"sentiment":"neutral","sentiment_score":0.11911606788635254,"channel":1,"num_words":1,"start":121.96,"end":122.46},{"sentences":[{"text":"So just let me know if we can see 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lot of it today is just my compliance point just to make sure you understand everything.","start":141.25,"end":146.47,"sentiment":"neutral","sentiment_score":0.09803605474093381},{"text":"But I have reviewed your superannuation, specifically that Benelon investment we spoke about last time, and I have made a a recommendation.","start":147.25,"end":157.235,"sentiment":"neutral","sentiment_score":0.27007052166895434}],"sentiment":"neutral","sentiment_score":0.16278497761083863,"channel":0,"num_words":59,"start":135.675,"end":157.235},{"sentences":[{"text":"Now I have also included the comparison for Vanguard because I know you kind of mentioned that you were looking at them at the moment.","start":158.335,"end":167.215,"sentiment":"neutral","sentiment_score":0.18678294092416764},{"text":"So from a comparison point of view, I have included all that research for Vanguard for you as well to show 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Joyce?","start":213.945,"end":215.405,"sentiment":"neutral","sentiment_score":0.063487558811903}],"sentiment":"neutral","sentiment_score":-0.014335116744041443,"channel":0,"num_words":10,"start":212.02501,"end":215.405},{"sentences":[{"text":"It does.","start":215.785,"end":216.52501,"sentiment":"neutral","sentiment_score":0.16964958608150482}],"sentiment":"neutral","sentiment_score":0.16964958608150482,"channel":1,"num_words":2,"start":215.785,"end":216.52501},{"sentences":[{"text":"Yep.","start":216.825,"end":217.30501,"sentiment":"neutral","sentiment_score":0.2290324568748474},{"text":"Perfect.","start":217.30501,"end":217.80501,"sentiment":"positive","sentiment_score":0.4267556071281433},{"text":"Now if you can kind of scroll through for me through page three, you will see scope of advice.","start":218.425,"end":224.845,"sentiment":"neutral","sentiment_score":0.16741624317671122},{"text":"So, essentially, what we are looking at today is mainly just your 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you.","start":236.72,"end":248.47499,"sentiment":"neutral","sentiment_score":0.22686017629427788}],"sentiment":"neutral","sentiment_score":0.22686017629427788,"channel":0,"num_words":39,"start":236.72,"end":248.47499},{"sentences":[{"text":"Yep.","start":249.395,"end":249.895,"sentiment":"neutral","sentiment_score":0.1379500925540924}],"sentiment":"neutral","sentiment_score":0.1379500925540924,"channel":1,"num_words":1,"start":249.395,"end":249.895},{"sentences":[{"text":"Yep.","start":250.535,"end":251.035,"sentiment":"neutral","sentiment_score":0.1343279331922531},{"text":"Now on the next two pages, you can see some other goals that you mentioned that we're not really addressing today.","start":251.575,"end":258.35,"sentiment":"neutral","sentiment_score":0.05385144595943746},{"text":"Definitely, it's something we can assist you with or refer you on through someone who can down the track.","start":258.73,"end":264.19,"sentiment":"neutral","sentiment_score":0.2624141017073079},{"text":"So for property, if you're looking at buying an investment property down the track, we can definitely refer you on to a mortgage broker who can help you with that.","start":264.65,"end":273.36502,"sentiment":"neutral","sentiment_score":0.2702153369784355},{"text":"And same if you do need","start":273.665,"end":274.785,"sentiment":"neutral","sentiment_score":0.10185430323084195}],"sentiment":"neutral","sentiment_score":0.19439820986386244,"channel":0,"num_words":77,"start":250.535,"end":274.785},{"sentences":[{"text":"Yep.","start":274.645,"end":275.145,"sentiment":"neutral","sentiment_score":0.09162457287311554}],"sentiment":"neutral","sentiment_score":0.09162457287311554,"channel":1,"num_words":1,"start":274.645,"end":275.145},{"sentences":[{"text":"any assistance with, you know, saving or anything in regards to potential business acquisitions.","start":274.785,"end":280.08502,"sentiment":"neutral","sentiment_score":0.14015325531363487},{"text":"Again, just let us know, and we can always see what we can assist you with down the track for that as well.","start":281.105,"end":286.52002,"sentiment":"neutral","sentiment_score":0.3238550923440767}],"sentiment":"neutral","sentiment_score":0.254346289143369,"channel":0,"num_words":37,"start":274.785,"end":286.52002},{"sentences":[{"text":"Uh-huh.","start":286.83,"end":287.33,"sentiment":"neutral","sentiment_score":0.1737445592880249}],"sentiment":"neutral","sentiment_score":0.1737445592880249,"channel":1,"num_words":1,"start":286.83,"end":287.33},{"sentences":[{"text":"Perfect.","start":288.26,"end":288.76,"sentiment":"positive","sentiment_score":0.6177955865859985},{"text":"Now I'll kind of just get you to scroll through for me.","start":289.7,"end":293.06,"sentiment":"neutral","sentiment_score":0.20029031733671823},{"text":"I'll let you have a read over that.","start":293.06,"end":294.84,"sentiment":"neutral","sentiment_score":0.16327137127518654},{"text":"On the next couple of pages, you'll just see some some information about you, your life style assets and liabilities, your current net worth balance, and then your risk profile, which is page eight.","start":295.14,"end":308.32498,"sentiment":"neutral","sentiment_score":0.09260411867324043},{"text":"Can you see that?","start":308.32498,"end":309.465,"sentiment":"neutral","sentiment_score":0.061580740846693516}],"sentiment":"neutral","sentiment_score":0.13088666717127218,"channel":0,"num_words":59,"start":288.26,"end":309.465},{"sentences":[{"text":"My profile, my name, and everything.","start":310.97,"end":313.23,"sentiment":"neutral","sentiment_score":0.04817629357179006}],"sentiment":"neutral","sentiment_score":0.04817629357179006,"channel":1,"num_words":6,"start":310.97,"end":313.23},{"sentences":[{"text":"So page eight where it says your risk 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one.","start":330.535,"end":331.515,"sentiment":"neutral","sentiment_score":0.15306538343429565},{"text":"So do you remember last time when we kind of talked spoke about your risk tolerance and, you","start":331.655,"end":337.255,"sentiment":"neutral","sentiment_score":0.046860106082426176}],"sentiment":"neutral","sentiment_score":0.06508107601918957,"channel":0,"num_words":22,"start":330.135,"end":337.255},{"sentences":[{"text":"Yeah.","start":337.18,"end":337.68,"sentiment":"neutral","sentiment_score":0.020187240093946457}],"sentiment":"neutral","sentiment_score":0.020187240093946457,"channel":1,"num_words":1,"start":337.18,"end":337.68},{"sentences":[{"text":"know, your goals for super?","start":337.255,"end":338.775,"sentiment":"neutral","sentiment_score":0.05673542991280556},{"text":"So, basically, we're not changing the risk profile.","start":338.775,"end":341.495,"sentiment":"neutral","sentiment_score":-0.04810323193669319},{"text":"We're keeping it high 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table.","start":354.29,"end":359.38498,"sentiment":"neutral","sentiment_score":0.15086448647909695},{"text":"If you can scroll to page 13 for me, it should say see comparison.","start":359.38498,"end":365.645,"sentiment":"neutral","sentiment_score":0.09192594406860215}],"sentiment":"neutral","sentiment_score":0.12507887417450547,"channel":0,"num_words":32,"start":354.29,"end":365.645},{"sentences":[{"text":"I got page 13.","start":374.575,"end":375.875,"sentiment":"neutral","sentiment_score":0.05942055955529213},{"text":"Yep.","start":375.935,"end":376.435,"sentiment":"neutral","sentiment_score":0.07946257293224335}],"sentiment":"neutral","sentiment_score":0.06342896223068237,"channel":1,"num_words":5,"start":374.575,"end":376.435},{"sentences":[{"text":"Yep.","start":376.43,"end":376.83,"sentiment":"neutral","sentiment_score":0.12864533066749573},{"text":"Perfect.","start":376.83,"end":377.15,"sentiment":"positive","sentiment_score":0.3548232913017273},{"text":"You can see the little table with all the numbers and the map and everything?","start":377.15,"end":380.28998,"sentiment":"neutral","sentiment_score":0.16323332687218983}],"sentiment":"neutral","sentiment_score":0.17246873676776886,"channel":0,"num_words":17,"start":376.43,"end":380.28998},{"sentences":[{"text":"There's numbers in a table.","start":381.77502,"end":383.635,"sentiment":"neutral","sentiment_score":0.06076991856098175}],"sentiment":"neutral","sentiment_score":0.06076991856098175,"channel":1,"num_words":5,"start":381.77502,"end":383.635},{"sentences":[{"text":"Yes.","start":384.11,"end":384.59,"sentiment":"neutral","sentiment_score":0.12575802206993103},{"text":"Correct.","start":384.59,"end":385.09,"sentiment":"neutral","sentiment_score":0.17585742473602295},{"text":"So, basically, what I have recommended for you, Troy, is to keep your NetWealth.","start":386.67502,"end":392.45502,"sentiment":"neutral","sentiment_score":0.18676274802003587},{"text":"I did do a lot of research on your NetWealth and other competitors as well as well as Vanguard, which I have included in the appendix that I will go through with you.","start":393.23502,"end":402.33,"sentiment":"neutral","sentiment_score":0.18235595434000998},{"text":"But kind of when factoring in, you know, all the features and the fees and the flexibility that Netwealth has with investment choices, I couldn't find anything that was going to put you in as good of a position as keeping you in net wealth and changing the investments.","start":403.12997,"end":419.285,"sentiment":"neutral","sentiment_score":0.10912079508511388}],"sentiment":"neutral","sentiment_score":0.14572407521915678,"channel":0,"num_words":98,"start":384.11,"end":419.285},{"sentences":[{"text":"So 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that?","start":755.175,"end":756.315,"sentiment":"neutral","sentiment_score":0.057691218331456184}],"sentiment":"neutral","sentiment_score":0.27152709018152493,"channel":0,"num_words":26,"start":746.135,"end":756.315},{"sentences":[{"text":"Yep.","start":757.58997,"end":758.08997,"sentiment":"neutral","sentiment_score":0.13100038468837738}],"sentiment":"neutral","sentiment_score":0.13100038468837738,"channel":1,"num_words":1,"start":757.58997,"end":758.08997},{"sentences":[{"text":"Yep.","start":758.39,"end":758.71,"sentiment":"neutral","sentiment_score":0.2405257672071457},{"text":"Perfect.","start":758.71,"end":759.11005,"sentiment":"positive","sentiment_score":0.5460777282714844},{"text":"So this can look a little bit messy, but it shows you basically what we are looking at changing.","start":759.11005,"end":764.87006,"sentiment":"neutral","sentiment_score":0.13306277166855962},{"text":"So you can see the investment name, so that's what they're called.","start":764.87006,"end":768.01,"sentiment":"neutral","sentiment_score":0.13974344730377197},{"text":"You can see kind","start":768.39,"end":769.27,"sentiment":"neutral","sentiment_score":0.13687502220273018}],"sentiment":"neutral","sentiment_score":0.14970858415236343,"channel":0,"num_words":37,"start":758.39,"end":769.27},{"sentences":[{"text":"Yep.","start":769.185,"end":769.685,"sentiment":"neutral","sentiment_score":0.13053706288337708}],"sentiment":"neutral","sentiment_score":0.13053706288337708,"channel":1,"num_words":1,"start":769.185,"end":769.685},{"sentences":[{"text":"of just, like, the ticket card.","start":769.27,"end":770.97003,"sentiment":"neutral","sentiment_score":0.1326366923749447},{"text":"You can see your current weight allocation to how it's currently like, how much is invested into each of those investments, what 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like, Woolworths and BHP, for example, or, like, the big companies.","start":837.05,"end":841.79,"sentiment":"neutral","sentiment_score":0.15370277563730875},{"text":"So it still gives you, like, that similar exposure through the market, but it is a little bit cheaper, and we're seeing a little bit less fluctuation in that investment.","start":842.81,"end":850.82996,"sentiment":"neutral","sentiment_score":0.2176109050710996}],"sentiment":"neutral","sentiment_score":0.1667199338528704,"channel":0,"num_words":94,"start":816.44,"end":850.82996},{"sentences":[{"text":"Yep.","start":852.36505,"end":852.86505,"sentiment":"neutral","sentiment_score":-0.012791362591087818}],"sentiment":"neutral","sentiment_score":-0.012791362591087818,"channel":1,"num_words":1,"start":852.36505,"end":852.86505},{"sentences":[{"text":"What we've also done is kind of streamline the international investment, so you are kind of getting more of a clearer global exposure across US, Europe, and other developed 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okay?","start":948.635,"end":949.935,"sentiment":"neutral","sentiment_score":0.22384383380413056}],"sentiment":"neutral","sentiment_score":0.24801928667645706,"channel":0,"num_words":19,"start":941.915,"end":949.935},{"sentences":[{"text":"Okay.","start":950.7,"end":951.2,"sentiment":"neutral","sentiment_score":0.14810946583747864}],"sentiment":"neutral","sentiment_score":0.14810946583747864,"channel":1,"num_words":1,"start":950.7,"end":951.2},{"sentences":[{"text":"Yep.","start":951.84,"end":952.24,"sentiment":"neutral","sentiment_score":0.2267912924289703},{"text":"Perfect.","start":952.24,"end":952.74,"sentiment":"positive","sentiment_score":0.4308737516403198},{"text":"Now you can kind of see the first column, which is your risk profile, your existing portfolio, and then the proposed.","start":952.96,"end":961.54,"sentiment":"neutral","sentiment_score":0.19123441974322},{"text":"So you can see that both your existing and your proposed are very closely related to your risk profile and are quite similar in terms of, you know, the level of risk.","start":961.92,"end":973.625,"sentiment":"neutral","sentiment_score":0.1805439491290599},{"text":"It is slightly less in the proposed to your existing, but both kind of very much align with your tolerance and everything.","start":973.625,"end":981.6,"sentiment":"neutral","sentiment_score":0.21961514821106737}],"sentiment":"neutral","sentiment_score":0.1984743830058482,"channel":0,"num_words":77,"start":951.84,"end":981.6},{"sentences":[{"text":"Yep.","start":982.7,"end":983.2,"sentiment":"neutral","sentiment_score":0.219191312789917}],"sentiment":"neutral","sentiment_score":0.219191312789917,"channel":1,"num_words":1,"start":982.7,"end":983.2},{"sentences":[{"text":"Yep.","start":983.51996,"end":984.0,"sentiment":"neutral","sentiment_score":0.28518930077552795},{"text":"Perfect.","start":984.0,"end":984.5,"sentiment":"neutral","sentiment_score":-0.018091881647706032},{"text":"Now on the next page, you can kind of see I've 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fantastic.","start":1043.335,"end":1044.715,"sentiment":"positive","sentiment_score":0.7191033562024435},{"text":"Thank you for that.","start":1045.0149,"end":1045.8949,"sentiment":"positive","sentiment_score":0.7374770641326904},{"text":"That's good.","start":1045.8949,"end":1046.61,"sentiment":"positive","sentiment_score":0.5010043084621429}],"sentiment":"positive","sentiment_score":0.6788029935624864,"channel":1,"num_words":9,"start":1043.335,"end":1046.61},{"sentences":[{"text":"No.","start":1047.25,"end":1047.5701,"sentiment":"neutral","sentiment_score":0.02939722314476967},{"text":"And sometimes it's good.","start":1047.5701,"end":1048.6101,"sentiment":"neutral","sentiment_score":0.025386573746800423},{"text":"And, obviously, there are variables that can change.","start":1048.6101,"end":1050.8501,"sentiment":"neutral","sentiment_score":-0.009370469022542238},{"text":"So, obviously, if you decide to not contribute at all or anything changes, it's obviously not certain.","start":1050.8501,"end":1058.0449,"sentiment":"neutral","sentiment_score":-0.05409883970723433},{"text":"But based on kind of the way things are looking at the moment, that's what we are kind of looking at.","start":1058.0449,"end":1062.845,"sentiment":"neutral","sentiment_score":-0.003952593897424993}],"sentiment":"neutral","sentiment_score":-0.01856284276308382,"channel":0,"num_words":51,"start":1047.25,"end":1062.845},{"sentences":[{"text":"And sometimes it's good to kind of just reassess to be like, okay.","start":1062.845,"end":1066.125,"sentiment":"neutral","sentiment_score":0.07451099759111038},{"text":"Well, you know, it is kind of possible, and it will last me as well as well.","start":1066.125,"end":1070.97,"sentiment":"neutral","sentiment_score":0.2119698866325266},{"text":"So it's a good kind of check-in.","start":1070.97,"end":1072.43,"sentiment":"neutral","sentiment_score":0.27529503617967876}],"sentiment":"neutral","sentiment_score":0.17565395391067942,"channel":0,"num_words":37,"start":1062.845,"end":1072.43},{"sentences":[{"text":"Yeah.","start":1073.395,"end":1073.715,"sentiment":"neutral","sentiment_score":0.1552548706531525},{"text":"A 100%.","start":1073.715,"end":1074.615,"sentiment":"neutral","sentiment_score":0.15267883986234665}],"sentiment":"neutral","sentiment_score":0.15353751679261526,"channel":1,"num_words":3,"start":1073.395,"end":1074.615},{"sentences":[{"text":"Yeah.","start":1075.2101,"end":1075.7101,"sentiment":"neutral","sentiment_score":0.08209846168756485},{"text":"Now the last thing in this document here is just some general information in regards to the beneficiary nomination like I mentioned.","start":1076.73,"end":1083.945,"sentiment":"neutral","sentiment_score":0.07739984785968607},{"text":"Now last time you mentioned that you want to give your 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representative discusses the customer's investment portfolio and recommends referring them to a mortgage broker for further assistance. They emphasize the importance of updating risk profiles and keeping investment accounts. The speaker emphasizes the benefits of changing investments and emphasizes the importance of keeping a high growth portfolio. They also explain the process of updating retirement income and beneficiary allocations, and provide links to a Vanguard website and documents for the customer to review. The speaker emphasizes the importance of making the decision to switch platforms and reminds the customer to call or email if they have any questions."},"intents":{"segments":[{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?","start_word":127,"end_word":152,"intents":[{"intent":"Confirm identity","confidence_score":0.6548402}]},{"text":"No. is I pretty think. straightforward.","start_word":213,"end_word":218,"intents":[{"intent":"Request clarification","confidence_score":0.001069959}]},{"text":"Now I know you've gone through a couple of days, and I'll tryna make it quick for you. A lot of it today is just my compliance point just to make sure you understand everything. But I have reviewed your superannuation, specifically that Benelon investment we spoke about last time, and I have made a a recommendation.","start_word":339,"end_word":395,"intents":[{"intent":"Go through recommendations","confidence_score":0.0016658725}]},{"text":"But I have reviewed your superannuation, specifically that Benelon investment we spoke about last time, and I have made a a recommendation.","start_word":373,"end_word":394,"intents":[{"intent":"Review superannuation","confidence_score":0.15680592},{"intent":"Understand recommendations","confidence_score":0.006291598}]},{"text":"Now I have also included the comparison for Vanguard because I know you kind of mentioned that you were looking at them at the moment. So from a comparison point of view, I have included all that research for Vanguard for you as well to show you.","start_word":395,"end_word":441,"intents":[{"intent":"Include research","confidence_score":0.36680648}]},{"text":"Now on the cover page here, you can see that this has been prepared just for yourself and tailored to your needs. Now underneath that, you can see my details and my authorized representative number, and I am licensed under Yep. OQ Financial AFFR. Sure.","start_word":445,"end_word":489,"intents":[{"intent":"Prepare recommendations","confidence_score":0.019903626},{"intent":"Include information","confidence_score":0.07352258}]},{"text":"Now on the next two pages, you can see some other goals that you mentioned that we're not really addressing today. Definitely, it's something we can assist you with or refer you on through someone who can down the track.","start_word":644,"end_word":683,"intents":[{"intent":"Help with goals","confidence_score":0.023086537}]},{"text":"So for property, if you're looking at buying an investment property down the track, we can definitely refer you on to a mortgage broker who can help you with that.","start_word":684,"end_word":713,"intents":[{"intent":"Refer to mortgage broker","confidence_score":0.7881689}]},{"text":"On the next couple of pages, you'll just see some some information about you, your life style assets and liabilities, your current net worth balance, and then your risk profile, which is page eight. Can you see that?","start_word":780,"end_word":817,"intents":[{"intent":"Inquire about company's financial status","confidence_score":6.2143414e-7}]},{"text":"My profile, my name, and everything. So page eight where it says your risk profile. It should say high growth. One more page. Your risk profile. Yeah.","start_word":818,"end_word":844,"intents":[{"intent":"Express concern about risk profile","confidence_score":0.000013274156}]},{"text":"Just literally changing some of your investments around essentially. Yep.","start_word":898,"end_word":907,"intents":[{"intent":"Discuss increasing investment portfolio","confidence_score":0.0000027097626}]},{"text":"I have recommended is that keeping you in net wealth and changing some of those investments for you.","start_word":1068,"end_word":1085,"intents":[{"intent":"Recommend keeping net wealth","confidence_score":0.024701219}]},{"text":"So you can basically see on the page here, you have your current situation. So your current balance in that one.","start_word":1087,"end_word":1107,"intents":[{"intent":"Show balance","confidence_score":0.07093258}]},{"text":"Now if you look on the recommended section, like I said, I have recommended that we retain net wealth, change some of those investments, and you can actually see the total cost, which just by changing some of those investments, for some that's been a little bit cheaper, it's saving you about $571 a year just in fees alone, which is pretty good.","start_word":1345,"end_word":1407,"intents":[{"intent":"Retain net wealth","confidence_score":0.007651222},{"intent":"Save money","confidence_score":0.22485594}]},{"text":"Now if you look on the recommended section, like I said, I have recommended that we retain net wealth, change some of those investments, and you can actually see the total cost, which just by changing some of those investments, for some that's been a little bit cheaper, it's saving you about $571 a year just in fees alone, which is pretty good. Yes, sir.","start_word":1345,"end_word":1409,"intents":[{"intent":"Use recommended section","confidence_score":0.022954496}]},{"text":"Now underneath that using the same five year time frame, you can see that the new recommended portfolio has performed at about 13.79%. So it has kind of outperformed historically looking your current portfolio with about 5.47%, which does make a pretty big difference. Yeah.","start_word":1411,"end_word":1455,"intents":[{"intent":"Evaluate portfolio performance","confidence_score":0.03335259}]},{"text":"the only reason that one is there is because that is capital gains tax. So when you are Awesome. selling in investments in super, you'll have to pay a little bit of tax on the earnings.","start_word":1507,"end_word":1542,"intents":[{"intent":"Notify about potential tax implications","confidence_score":0.00001375505}]},{"text":"to retire tomorrow, then we might, you know, have changed some of those investment, not have as much high risk, and the impact would have been a bit higher. But because we are looking kind of long term, everything will kind of even out and come back as well with time. Yes.","start_word":1838,"end_word":1889,"intents":[{"intent":"Explaining investment objectives","confidence_score":0.000013064208},{"intent":"Defining investments","confidence_score":0.000057294168}]},{"text":"you just like a brief overview, that we've kind of made in adjustments to kind of simplify the portfolio for you, but also kind of improve diversification.","start_word":2061,"end_word":2087,"intents":[{"intent":"Emphasizing diversification","confidence_score":0.0002947193}]},{"text":"Troy, the portfolio is kind of now more aligned as a bit more of a cost efficient way. It is a little bit more diversified, which again will help with today's market condition, and it's also slightly more balanced from a risk perspective while still very much focusing on your long term growth.","start_word":2290,"end_word":2342,"intents":[{"intent":"Improve portfolio alignment and alignment","confidence_score":0.0027664066}]},{"text":"No.","start_word":2673,"end_word":2673,"intents":[{"intent":"Ask for clarification","confidence_score":0.0011414518}]},{"text":"Now the last thing in this document here is just some general information in regards to the beneficiary nomination like I mentioned. Now last time you mentioned that you want to give your super to your son. Just some general information in regards through that for you. So I'll let you have a read over that in your own time. Yeah.","start_word":2765,"end_word":2825,"intents":[{"intent":"Provide information","confidence_score":0.0063664448}]},{"text":"Now the last thing here for you, Troy, is just page 24, which is just showing you remuneration. Let me know when you can see that. Yep.","start_word":2942,"end_word":2968,"intents":[{"intent":"Verify remuneration","confidence_score":0.0006588047}]},{"text":"And then the one underneath that, which shows you alternative comparison. Can you see that?","start_word":3252,"end_word":3266,"intents":[{"intent":"Compare alternatives","confidence_score":0.0022741354}]},{"text":"said complete completed on your end?","start_word":3874,"end_word":3879,"intents":[{"intent":"Confirm completion","confidence_score":0.015560488}]}]},"sentiments":{"segments":[{"text":"Hello? Good afternoon. Is Yep. this Troy? Yep. I was just ringing you just then. Sorry. I was on the phone before. No. That's okay. I thought sometimes I just call twice because people just miss me. And I was like, oh, Yes. I'll just call twice, and if you're not available, then you'll call me later. Sorry for your time. No. I That's had alright. you booked in just to go over your strategy recommendation. It is pretty quick today. Do you still have some Yeah. time to go over that? Sure, Yeah.","start_word":0,"end_word":93,"sentiment":"neutral","sentiment_score":-0.03726264834403992},{"text":"Perfect.","start_word":94,"end_word":94,"sentiment":"positive","sentiment_score":0.4392359256744385},{"text":"Now just before I do go dear. any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Sure.","start_word":95,"end_word":125,"sentiment":"neutral","sentiment_score":0.10418960452079772},{"text":"Perfect.","start_word":126,"end_word":126,"sentiment":"positive","sentiment_score":0.3484852910041809},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Troy Baysley, 1 Poole Street in Eglinton, New South Wales. Yep. Perfect. And And just then 11111171. yep.","start_word":127,"end_word":170,"sentiment":"neutral","sentiment_score":0.11046658456325532},{"text":"Perfect. That's the one.","start_word":171,"end_word":174,"sentiment":"positive","sentiment_score":0.40700745582580566},{"text":"And how's your morning been so far? I've been busy. Oh, it's been alright. I've been plating. Yeah. Oh, yeah. Well, I will try not to take up too much of your time. Like I said, today No. No. is I pretty think. straightforward. Now, Troy, I did just send you an email with some documents to go through. Did you receive that at all, or do you have access to your emails at the moment? Thank you. Perfect. And sometimes it does end up in this spam folder as well. Yep. I got it. Okay. Perfect. Now if you can open that for me and click on the link where it says sign now, it won't ask you to sign right away. It would just allow you to open up and view the document first. Sure. So just let me know if we can see that. Okay? Yep. Perfect. Now can you see the cover page there okay? Yep. Yep. Yep. Perfect. Now I know you've gone through a couple of days, and I'll tryna make it quick for you. A lot of it today is just my compliance point just to make sure you understand everything. But I have reviewed your superannuation, specifically that Benelon investment we spoke about last time, and I have made a a recommendation. Now I have also included the comparison for Vanguard because I know you kind of mentioned that you were looking at them at the moment. So from a comparison point of view, I have included all that research for Vanguard for you as well to show you. Sure.","start_word":175,"end_word":442,"sentiment":"neutral","sentiment_score":0.10202121516383852},{"text":"Yep. Perfect. Now on the cover page here, you can see that this has been prepared just for yourself and tailored to your needs.","start_word":443,"end_word":466,"sentiment":"positive","sentiment_score":0.45990726351737976},{"text":"Now underneath that, you can see my details and my authorized representative number, and I am licensed under Yep. OQ Financial AFFR. Sure.","start_word":467,"end_word":489,"sentiment":"neutral","sentiment_score":0.15742027759552002},{"text":"Perfect.","start_word":490,"end_word":490,"sentiment":"positive","sentiment_score":0.47787606716156006},{"text":"Now on the next page, you will see the best interest duty. Like always, all the recommendations and everything that we are providing to you has to be in your best interest, and it has to put you in a better position as a result of the advice. Otherwise, we can't Yes. actually make the recommendation. Does that make sense, Joyce? It does. Yep.","start_word":491,"end_word":554,"sentiment":"neutral","sentiment_score":0.16318105161190033},{"text":"Perfect.","start_word":555,"end_word":555,"sentiment":"positive","sentiment_score":0.4267556071281433},{"text":"Now if you can kind of scroll through for me through page three, you will see scope of advice. So, essentially, what we are looking at today is mainly just your superannuation. Just reviewing your superannuation to see if we can put you in a better position. And then I have included just some general information and stuff in regards to estate planning as well just so we can make sure we do have that beneficiary nominated in the event that something does happen to you. Yep. Yep. Now on the next two pages, you can see some other goals that you mentioned that we're not really addressing today. Definitely, it's something we can assist you with or refer you on through someone who can down the track. So for property, if you're looking at buying an investment property down the track, we can definitely refer you on to a mortgage broker who can help you with that. And same if you do need Yep. any assistance with, you know, saving or anything in regards to potential business acquisitions. Again, just let us know, and we can always see what we can assist you with down the track for that as well. Uh-huh.","start_word":556,"end_word":758,"sentiment":"neutral","sentiment_score":0.2106939206276034},{"text":"Perfect.","start_word":759,"end_word":759,"sentiment":"positive","sentiment_score":0.6177955865859985},{"text":"Now I'll kind of just get you to scroll through for me. I'll let you have a read over that. On the next couple of pages, you'll just see some some information about you, your life style assets and liabilities, your current net worth balance, and then your risk profile, which is page eight. Can you see that? My profile, my name, and everything. So page eight where it says your risk profile. It should say high growth. One more page. Your risk profile. Yeah. Yes. That's the one. So do you remember last time when we kind of talked spoke about your risk tolerance and, you Yeah. know, your goals for super? So, basically, we're not changing the risk profile. We're keeping it high growth. It's still very much suitable for you trying to maximize that group. Just literally changing some of your investments around essentially. Yep. Now if you can scroll down through me actually first because it's usually easier to see the table. If you can scroll to page 13 for me, it should say see comparison. I got page 13. Yep. Yep.","start_word":760,"end_word":945,"sentiment":"neutral","sentiment_score":0.10454021394252776},{"text":"Perfect.","start_word":946,"end_word":946,"sentiment":"positive","sentiment_score":0.3548232913017273},{"text":"You can see the little table with all the numbers and the map and everything? There's numbers in a table. Yes. Correct. So, basically, what I have recommended for you, Troy, is to keep your NetWealth. I did do a lot of research on your NetWealth and other competitors as well as well as Vanguard, which I have included in the appendix that I will go through with you. But kind of when factoring in, you know, all the features and the fees and the flexibility that Netwealth has with investment choices, I couldn't find anything that was going to put you in as good of a position as keeping you in net wealth and changing the investments. So what Yep. I have recommended is that keeping you in net wealth and changing some of those investments for you. So you can basically see on the page here, you have your current situation. So your current balance in that one. You can also see all the fees. So admin fees, investment fees, adviser fees, everything there for you. Now I Yes. do wanna let you know as well that for the time being in this projection, I have included no contribution. Now I know that you are making contributions, but we had some issues with it going somewhere else. Did were you able to talk to them after last time and see what happened there? I am currently just in talking to another bookkeeper, and we're gonna look Okay. at that too. Okay.","start_word":947,"end_word":1199,"sentiment":"neutral","sentiment_score":0.09718813524828128},{"text":"Perfect.","start_word":1200,"end_word":1200,"sentiment":"positive","sentiment_score":0.4907761216163635},{"text":"So, obviously, when those contributions are coming into net worth again, it will make a bigger difference. So this Yep. is just to show you the, you know, the conservative option of not having contribution that it will still continue to move forward. But, obviously, those contributions will make a bigger difference. Yes. Now for your if your reference as well in the appendix, which I will show you when I show you the Vanguard option, I have also done this table with contribution so you can see the difference in, you know, the outcome for you as well. Does Yep. that make sense? Yep. Yep.","start_word":1201,"end_word":1306,"sentiment":"neutral","sentiment_score":0.218781515955925},{"text":"Perfect.","start_word":1307,"end_word":1307,"sentiment":"positive","sentiment_score":0.513603687286377},{"text":"Now you can see here as well your high growth portfolio in net wealth and using a five year rolling average. The portfolio that you are currently invested in in net wealth has gone about 8.32%. Yep.","start_word":1308,"end_word":1344,"sentiment":"neutral","sentiment_score":0.31182220578193665},{"text":"Now if you look on the recommended section, like I said, I have recommended that we retain net wealth, change some of those investments, and you can actually see the total cost, which just by changing some of those investments, for some that's been a little bit cheaper, it's saving you about $571 a year just in fees alone, which is pretty good. Yes, sir. Yeah. Now underneath that using the same five year time frame, you can see that the new recommended portfolio has performed at about 13.79%. So it has kind of outperformed historically looking your current portfolio with about 5.47%, which does make a pretty big difference. Yeah. It does make a big difference.","start_word":1345,"end_word":1461,"sentiment":"positive","sentiment_score":0.4326050877571106},{"text":"Now I do wanna mention as well that Troy that if you look on the top row where it says the balance, and it says minus 241. Can you see that? Is that up the top? At the Different. top. Yes. Yep. Yes. Now Yep. the only reason that one is there is because that is capital gains tax. So when you are Awesome. selling in investments in super, you'll have to pay a little bit of tax on the earnings. Now we're trying to minimize that as much as possible when we've made the changes to the investments or recommended it, but Yes.","start_word":1462,"end_word":1565,"sentiment":"neutral","sentiment_score":0.04691156372427941},{"text":"it will be roughly about $241, which is not too bad really at all. And because you are saving those fees pretty quickly by changing the investments, that's that's a pretty good outcome as well.","start_word":1566,"end_word":1600,"sentiment":"positive","sentiment_score":0.609043538570404},{"text":"But I do wanna let you know so that you are aware. Yep.","start_word":1601,"end_word":1613,"sentiment":"neutral","sentiment_score":0.1773337572813034},{"text":"Thank you. Yep. Perfect.","start_word":1614,"end_word":1617,"sentiment":"positive","sentiment_score":0.4863309860229492},{"text":"Now if you scroll down to the next page, you will then see just kind of projected forward for five and ten years just to show you Yep. And you can see as well that if you just look at, you know, the five year difference, and again, this doesn't include contributions. So with contributions, it will make a bigger difference. But just by Yep. changing some of your investments, it is making a pretty big difference when we are looking at compounding everything forward for you. 100%. Is Yeah. that is Now this before, like, obviously, the stock market's taken a bit taken a big hit This is with the fuel prices and sorry. This was prepared. So this was all put together on the March 24. So at that time, obviously, we'd already seen a bit of a drop. Now, Yep. obviously, things are continuously changing. And how we've also kind of put together the portfolio as well, I will go through. It is factoring in everything. But with your investments, because we are looking at a longer term, What is happening Yes. over here with the war and everything like that on a long term point of view won't affect your superannuation too much as long as it's invested in the correct way. If you were Yes. to retire tomorrow, then we might, you know, have changed some of those investment, not have as much high risk, and the impact would have been a bit higher. But because we are looking kind of long term, everything will kind of even out and come back as well with time. Yes. Yeah.","start_word":1618,"end_word":1890,"sentiment":"neutral","sentiment_score":0.09223382428779708},{"text":"But it is a good it's a good question.","start_word":1891,"end_word":1899,"sentiment":"positive","sentiment_score":0.6170555353164673},{"text":"Now let me show you actually the investments, which is page 15. Can you see that? Yep. Yep.","start_word":1900,"end_word":1917,"sentiment":"neutral","sentiment_score":0.113731287419796},{"text":"Perfect.","start_word":1918,"end_word":1918,"sentiment":"positive","sentiment_score":0.5460777282714844},{"text":"So this can look a little bit messy, but it shows you basically what we are looking at changing. So you can see the investment name, so that's what they're called. You can see kind Yep. of just, like, the ticket card. You can see your current weight allocation to how it's currently like, how much is invested into each of those investments, what that Yep. looks like in dollar value, and you have the buy and sell column. So this is what we are changing. So the red is what we are changing, and then the the black is what we are kind of buying and adding to it. Yep. You then have your target weight, so what we are looking at from a new percentage point of view and then how that balances out. But to kind of give Yep. you just like a brief overview, that we've kind of made in adjustments to kind of simplify the portfolio for you, but also kind of improve diversification. Yep. Previously, we did have you invested in that actively managed fund, like I mentioned last time, the Bennelong, which we've now kind of replaced with more of your broad low cost index. Still investing some in the Australian market, but more focusing on the 200 largest companies in Australia. So you will have, like, Woolworths and BHP, for example, or, like, the big companies. So it still gives you, like, that similar exposure through the market, but it is a little bit cheaper, and we're seeing a little bit less fluctuation in that investment. Yep. What we've also done is kind of streamline the international investment, so you are kind of getting more of a clearer global exposure across US, Europe, and other developed markets, but without kind of having unnecessary overlap. So we don't wanna have you too much in one market because if something were to happen, obviously, we wanna make sure we diversify across everywhere for you.","start_word":1919,"end_word":2248,"sentiment":"neutral","sentiment_score":0.17769531047705447},{"text":"And we've kind of also introduced a little bit of a small allocation to bonds, and that is simply just to provide stability and kind of maintain investments like gold and your cybersecurity, again, for kind of diversification.","start_word":2249,"end_word":2286,"sentiment":"positive","sentiment_score":0.35156187415122986},{"text":"But essentially, Yep.","start_word":2287,"end_word":2289,"sentiment":"neutral","sentiment_score":0.2924136221408844},{"text":"Troy, the portfolio is kind of now more aligned as a bit more of a cost efficient way. It is a little bit more diversified, which again will help with today's market condition, and it's also slightly more balanced from a risk perspective while still very much focusing on your long term growth.","start_word":2290,"end_word":2342,"sentiment":"positive","sentiment_score":0.4875681698322296},{"text":"Now in the appendix, because sometimes this can be a lot, And if it is something you wanna read up on Yep. yourself, in the appendix, I've actually included investment links. So it allows you to click on it, and you can actually read on each of the investments I have recommended. It's all if it is something that you wanna read up on a little bit more. Yeah. Thank Does you. that does that all make sense so far? It does. Yep.","start_word":2343,"end_word":2425,"sentiment":"neutral","sentiment_score":0.17656652629375458},{"text":"Perfect.","start_word":2426,"end_word":2426,"sentiment":"positive","sentiment_score":0.5976618528366089},{"text":"Now on the next page, you will see your proposed asset allocation. Can you see that okay? Okay. Yep.","start_word":2427,"end_word":2445,"sentiment":"neutral","sentiment_score":0.21465139091014865},{"text":"Perfect.","start_word":2446,"end_word":2446,"sentiment":"positive","sentiment_score":0.4308737516403198},{"text":"Now you can kind of see the first column, which is your risk profile, your existing portfolio, and then the proposed. So you can see that both your existing and your proposed are very closely related to your risk profile and are quite similar in terms of, you know, the level of risk. It is slightly less in the proposed to your existing, but both kind of very much align with your tolerance and everything. Yep. Yep.","start_word":2447,"end_word":2523,"sentiment":"neutral","sentiment_score":0.19579368829727173},{"text":"Perfect.","start_word":2524,"end_word":2524,"sentiment":"positive","sentiment_score":0.6990362405776978},{"text":"Now on the next page, you can kind of see I've done a bit of an updated retirement income calculation for you just kind of based on your your current situation and everything, and that shows you that if you want to start drawing an income at the age of 65. So you can see kind of, like, the dark color that is Yes. money from your superannuation. The blue is their potential age pension. So kind of based on the information we have right now, you might be eligible for for some of that. So that just kind of shows you your retirement income of wanting to ideally draw, excuse me, that thousand dollars per week from superannuation, and they will approximately take you through age 92. And then from then, it would just be age pension potentially.","start_word":2525,"end_word":2663,"sentiment":"neutral","sentiment_score":0.05965392291545868},{"text":"That's that's fantastic. Thank you for that. That's good.","start_word":2664,"end_word":2672,"sentiment":"positive","sentiment_score":0.6615182161331177},{"text":"No. And sometimes it's good. And, obviously, there are variables that can change. So, obviously, if you decide to not contribute at all or anything changes, it's obviously not certain. But based on kind of the way things are looking at the moment, that's what we are kind of looking at. And sometimes it's good to kind of just reassess to be like, okay. Well, you know, it is kind of possible, and it will last me as well as well. So it's a good kind of check-in. Yeah. A 100%. Yeah. Now the last thing in this document here is just some general information in regards to the beneficiary nomination like I mentioned. Now last time you mentioned that you want to give your super to your son. Just some general information in regards through that for you. So I'll let you have a read over that in your own time. Yeah. The last thing I do wanna mention, which is page 20 yes? Was it it was basically for both my boys? Okay. That's okay. Fifteen fifty. Fifty fifty. That's okay. Yeah. Because we haven't submitted the form, so because you have to get a witness and website, This is just Yep. the information for you. So I will just let the team know that we'll send them out to you.","start_word":2673,"end_word":2895,"sentiment":"neutral","sentiment_score":0.06964675337076187},{"text":"You will still be able to complete them yourself so you can Yep.","start_word":2896,"end_word":2908,"sentiment":"positive","sentiment_score":0.3808707892894745},{"text":"do the fifty fifty to both your sons. And in terms Alright then.","start_word":2909,"end_word":2921,"sentiment":"neutral","sentiment_score":0.2405177801847458},{"text":"of, you know, advantages and this is, like, it's all the same because they're both your children.","start_word":2922,"end_word":2938,"sentiment":"positive","sentiment_score":0.34083664417266846},{"text":"Yep.","start_word":2939,"end_word":2939,"sentiment":"neutral","sentiment_score":0.3091660737991333},{"text":"Yep. Perfect.","start_word":2940,"end_word":2941,"sentiment":"positive","sentiment_score":0.5495793223381042},{"text":"Now the last thing here for you, Troy, is just page 24, which is just showing you remuneration. Let me know when you can see that. Yep. Yep.","start_word":2942,"end_word":2969,"sentiment":"neutral","sentiment_score":0.17981423437595367},{"text":"So if you're already happy and you wanted to go ahead with the changes today, there is no additional fees and charges at all. It is all part of the ongoing advice fee that you pay.","start_word":2970,"end_word":3005,"sentiment":"positive","sentiment_score":0.47179386019706726},{"text":"No changes in regards to that either.","start_word":3006,"end_word":3012,"sentiment":"neutral","sentiment_score":0.3169289231300354},{"text":"It just stays exactly the same at that 1.65% or from superannuation. Yep. So, again, no additional fees or charges or anything like that. This is all part of that ongoing service for you. Okay. Thank you. No problem.","start_word":3013,"end_word":3051,"sentiment":"positive","sentiment_score":0.454135537147522},{"text":"Now, Troy, if you wanna get out of this document, I will quickly show you that Vanguard example for you as well. So if you can click out of the email and then scroll down for me, you should see a couple of attachments in the email. Yep. Yeah. Now is Right that one there on that's the bottom. correct? Yes. Can you see the one where it says SOA appendix? Yes. Yep. If you can click on that one for me. Yep. Yep. Now this is kind of where the research and stuff goes in. But if you can scroll down through let me see here. If you can scroll through page seven for me four first, it should say investment returns like for Yep. like. Can you see that? Yep. Yep. Yep. Now this is the table that includes your contribution. So, obviously, once you've spoken to your new bookkeeper, got all that sorted, we'll keep an eye on it as well. So making sure that it comes in, this is, again, no changes.","start_word":3052,"end_word":3227,"sentiment":"neutral","sentiment_score":0.12822219729423523},{"text":"It just shows you with, obviously, those contributions going in, you will make a bigger difference in terms of your superannuation balance.","start_word":3228,"end_word":3249,"sentiment":"positive","sentiment_score":0.4929003417491913},{"text":"Yep. And then the one underneath that, which shows you alternative comparison. Can you see that? So it should be Alright. page Recommended. eight. Page eight. Maybe I'll go into Yeah. oh, page eight. Yes. So can See. you see the heading Cost where it says alternative comparison? comparison. Yes. Yes. Now My Bendigo. this yes. So what I have compared, it's the the recommendations against Vanguard. So Yep. you can see here that Vanguard, as a platform, is a bit cheaper. Now this also means that if you go to Vanguard, there is no adviser fee as well. So I've made that comparison so you can see it more accurately. So because of that, there is a bit cheaper in Vanguard. You can see that when we are using a three year rolling average, we couldn't find the information for the five year. It wasn't published because it hasn't been around long enough. So we're using Yes. three years to give you, again, apple for apple comparison in time frame. Even though it's cheaper, it hasn't performed as well with investments. Yeah. I I say that. Yeah. Yep. Now also at the top where it says the balance, the difference there would be the tax again. So because Yes. your investments in that will have done pretty good, they've gone up, if you wanna do a full sell down and move to Vanguard, the tax that would come out would be about 4,077. Oh, well. Yeah. So good news is that your investments have gone up, which is great.","start_word":3250,"end_word":3509,"sentiment":"neutral","sentiment_score":0.06730341567442967},{"text":"Bad news is Yeah. that if you do wanna do a full sell down, it would mean more tax. So it's kind of that, you know, good and bad in a way.","start_word":3510,"end_word":3541,"sentiment":"negative","sentiment_score":-0.4541148543357849},{"text":"Yeah.","start_word":3542,"end_word":3542,"sentiment":"neutral","sentiment_score":-0.1801067590713501},{"text":"But but, basically, like even though it is slightly cheaper, it hasn't performed as well historically. And with the CGP, it wouldn't put you in as good of a position.","start_word":3543,"end_word":3572,"sentiment":"negative","sentiment_score":-0.39680933952331543},{"text":"So, therefore, Yep. I did recommend that you stay in that bus. Yep. Yep.","start_word":3573,"end_word":3586,"sentiment":"neutral","sentiment_score":0.07032939791679382},{"text":"Perfect.","start_word":3587,"end_word":3587,"sentiment":"positive","sentiment_score":0.41509073972702026},{"text":"Now that was essentially everything that I needed to go over with you. Do you have any questions for me, Troy, or was that fairly straightforward? No. That's it.","start_word":3588,"end_word":3616,"sentiment":"neutral","sentiment_score":0.0627622271663156},{"text":"Yes. Perfect.","start_word":3617,"end_word":3618,"sentiment":"positive","sentiment_score":0.5204545259475708},{"text":"So, basically, from here is if you would like to go ahead with the change, I will need you to sign the documents. So how you do that is clicking back on the link. It will get you to sign it, then it will send it back to me, and I will get the team to action So that this for bag you. was showing showing document. Yes.","start_word":3619,"end_word":3686,"sentiment":"neutral","sentiment_score":0.18006320297718048},{"text":"If you are happy with that.","start_word":3687,"end_word":3692,"sentiment":"positive","sentiment_score":0.5507797598838806},{"text":"Yes. Yep. And click to start and Yes, showing. please. Yeah. Yes, please. And because it's a bit of a new software, let me know if you have any issues as No. It should be all done. well. Is it all done? Or do you cancel? Next. I can't refresh it. Yeah. Does it say it's usually when you says, like when it says complete and finished on your end, that's when it comes back to me. Oh, the date. What's oh, yeah. It's done. Yeah. So it should automatically, but it's the April 2, which is pretty crazy that it's April already. It says text in Big Thing. Yep. Do I Yeah. have to So sign you could that? you can just put NA. That is just if you had any changes you wanted to make. It's a textbook where you could type that in. But otherwise, you can just put NA or just a dot, a full stop or anything really. It's just writing it for you. Yep. And then I'll refresh that on my end. That all Yep. said complete completed on your end? I Yep. just graduated.","start_word":3693,"end_word":3883,"sentiment":"neutral","sentiment_score":0.02225293219089508},{"text":"Perfect.","start_word":3884,"end_word":3884,"sentiment":"positive","sentiment_score":0.4168030023574829},{"text":"Yep. You can just close it. Now sometimes it does take a couple of minutes depending on how oh, let me have a look here. Yep.","start_word":3885,"end_word":3910,"sentiment":"neutral","sentiment_score":0.0724501758813858},{"text":"Perfect. That's all come through on my end, which is great. I will let the team know, and we'll go ahead and make this change for you.","start_word":3911,"end_word":3937,"sentiment":"positive","sentiment_score":0.6459385752677917},{"text":"Otherwise, do you have any questions for me at this point before I kind of let you go and get on with your day through?","start_word":3938,"end_word":3962,"sentiment":"neutral","sentiment_score":0.0851406455039978},{"text":"You've answered everything today. Thank you.","start_word":3963,"end_word":3968,"sentiment":"positive","sentiment_score":0.5473303198814392},{"text":"No.","start_word":3969,"end_word":3969,"sentiment":"neutral","sentiment_score":0.3329204320907593},{"text":"No problem at all.","start_word":3970,"end_word":3973,"sentiment":"positive","sentiment_score":0.44816017150878906},{"text":"If there is anything that you need, any questions, or anything that you need at all, though, don't hesitate to give me a call or send me an email, and I can always book you in for a bit of a catch up.","start_word":3974,"end_word":4016,"sentiment":"neutral","sentiment_score":0.24718321859836576},{"text":"Sure. Thank you. Perfect. No problem, Troy. It was a pleasure speaking with you, and I look forward to speaking with you soon again. You too. Thanks. Bye. Have a Thanks. good day, sir. You too, Bye.","start_word":4017,"end_word":4053,"sentiment":"positive","sentiment_score":0.6979216933250427},{"text":"Troy. Bye. Bye.","start_word":4054,"end_word":4056,"sentiment":"neutral","sentiment_score":0.1985512524843216}],"average":{"sentiment":"neutral","sentiment_score":0.1558985045118926}}}}