{"metadata":{"transaction_key":"deprecated","request_id":"01a11445-32e4-7881-a6c2-65de5aae9a37","sha256":"47c48d3e4d5ad1001632cc982a5290045c7fd4eed058eadd5faa65e1bfadb08a","created":"2026-10-07T02:50:44.266Z","duration":707.8319,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":2830,"output_tokens":94},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3134,"output_tokens":3141},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3134,"output_tokens":192}},"results":{"channels":[{"alternatives":[{"transcript":"Hi, Corey. It's Dana from Okey Financial. How are you today? I'm very well. Thank you. I had you booked in just to run through an update to your portfolio with the statement of advice. Is now still a good time there for you? You're right. I had you booked in for an updated statement of advice just to review your portfolio. Is now still a good time? No. You're right. All good. Do you happen to have access to your email, sir, at the moment at all? Yes. Oh, fantastic. I'm just gonna send you through this document here just so if you can open it and review it. I'll run you through it real quick. It was just sort of updating your portfolio, just making some changes there for you just to kinda make things work a little bit harder. Excellent. Fantastic. Before I jump into the call and go to things, Corey, I do have to let you know that we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And I just need to do security there for you as well just to confirm your full name, your date of birth, and address I should have on file. Yeah. You're fine. Not a problem at all. I just need you to confirm your full name, your date of birth, and address there for me as well for security. Sorry. Yep. Beautiful. And it's your full name and date of birth there as well. Legend. Thank you so much for that, Corey. Beautiful. Now has that email popped through to you there at the moment at all? That's okay. If not, I could always just run you through the recommendations and let you have a read through it later. It's completely up to you. That's better? Perfect. Yeah. You're right. That's not a problem at all. Take some time to review it later. Let me know if you do happen to have any questions. But this was just sort of having a look at your portfolio. So when we touched base and did your annual review, we sort of noted that some of the investments have been underperforming a little bit there. So I've kinda gone back and rejigged the portfolio just to make sure it is working a bit harder for you, looking at how we can maybe reduce any cost or fees inside of that, and just update the portfolio to remove any underperforming investments there. With this advice, it is just a bit of an investment, which we are only scoping in superannuation. I've not made any new recommendations around new insurances. We're scoping that in only because with the projection table, your insurances are paid out of super. So we need to factor that in the the projection table there for you. And then with scoping out the advice, we're not providing advice on retirement at the moment. You're still too young for that. When you get closer to accessing super, we can look at additional retirement advice. I know you're wanting to retire before the age of 60. However, for superannuation, 60 is the earliest we could access that. So that's kind of the age I've been working on in the back end for you for a goal there. I'm not making any changes to your estate planning side. I think at the moment, your beneficiaries are all in place and set up to Alice, which is exactly how you wanted that originally. And your personal investment seem to be going quite well as well, and you're doing fantastic with those. So you didn't want any new assistance with regard to those either. Am I still on the right track with all of that so far? Yeah. You're doing well. Fantastic. So what I've essentially done with your super is I did go back there, Corey, and have a look at your super fund as well as the others out there. I am recommending we retain HUD 24. It is still a great platform, and, obviously, it has a really good access or a range of investments to choose from for us to be able to alter and maneuver the portfolios. One of the things you did kinda mention to me was that you were lacking a bit of gold and wanted to sort of increase your gold exposure where possible as well. So I did have a bit of a look at that for you, and I was able to consider this an... A slight increase. I'm only increasing it by about 2%, because whilst gold is a good growth asset, we don't wanna use all the gold. We wanna essentially have a lot of, diversification, and we use ETFs and managed funds in the other aspect because we also want income production out of your portfolio. We want a combination of growth and income protection... Income production there so that you're getting growth on two levels, and income is great for compounding. It'll be really compounded back into your portfolio for you. So what I've essentially done with your portfolio is just to kinda go back and review it. Then along the Australian Equities Managed Fund, that was the one that was underperforming and holding your portfolio back. I'm recommending we remove that completely from your fund to make sure you still have... You're at... Sorry. You're at... Ah, you're right. That's okay. Am I okay to still keep talking? Yep. Beautiful. All good. With that one, we are removing the Australian Bennelong Equity Fund out of there. That one was underperforming, and it's time to remove that investment from your portfolio. So we still wanna keep some Australian exposure in there, so we are still keeping the Raffy 200. We are just rebalancing you back to 15% on that one. You've got about 17% there at the moment. And then also including in the beta shares a 200, between those two investments, you're getting a much more diversified range of access to Australian equities. You'll have about 30% invested in Australian equities there, and those two investments together have been cheaper for your super but also have been performing much greater. So it's about more diversification. Overall, we still wanna reduce risks where we can and also making sure you've got really good exposure, and more diversification is really good. We are keeping exposure into the S and P 500 for the American market there. You're a bit overexposed at the moment. You've got 27%. So I'm just rebalancing it back to 24 for you. You've got some cybersecurity, some agriculture, and the bank hybrids in there. We are keeping those investments and buying a little bit more. We wanna hold 10% bank hybrids within your portfolio. They are a defensive investment, and, essentially, that's... We we do wanna hold some defensive allocations during that growth. Fantastic. Good to see. Agriculture has been performing quite well, and it's also an area of additional growth as well. It's... You know, farming has been quite good, and I think moving forward, it's still got a lot of growth to be had for it, which is great. You're in that growth kind of portfolio, which sees 80% growth assets and 20% defensive thereabouts. So keeping 10% in bank hybrids is good for income production, but also for some defensive exposure into banking. Physical gold, you've got about 13% there at the moment. We are just rebalancing you back to 12%. The portfolios normally hold about 10%. So I'm increasing your gold exposure by 2% there to increase it a little bit. We'll see how that goes. And then down the track, if you still wanna keep increasing it, we can look to check... Make and change that down the track for you as well. But gold has been a bit volatile this year. It is still technically down from where it was earlier in the year, Has been a bit up and down, so it is probably a good buying point a good buying point for gold, but we'll just sort of have a smaller increase on that. Yeah. Manage it essentially. With cybersecurity keeping that in your portfolio, we wanna hold about 7% in your total portfolio. Cybersecurity and this investment with BetaShares is giving you global cyber... Cybersecurity exposure. That is good. We wanna keep that in there. Infrastructure, we are keeping that within the portfolio as well. We wanna buy a little bit more. So you want about 10% of infrastructure for an alternative asset as well as gold, and you've got about 6% there at the moment. So those are essentially the changes that we are making to the portfolio. When you look at the document and you have a look at page 22, it outlines those changes nice and easily for you. One of the things I wanted to kind of look at when making changes to your portfolio is mitigating CGT. So your super fund does a tax return just like you every year. It pays income tax and capital gains tax. So... I know. So with your super fund, I was able to mitigate and make the changes so that there's no CGT consequences for your super. So no capital gains for your super to have to pay, which means your balance is is retained the same. And it... And the newer portfolio has been performing better. So the older portfolio from ours such as averaged 8.91%, this newer portfolio is averaging 11.51%. So a little bit better of a return. And it's also cheaper. It's saving you about a $143 in investment fees there as well. So that is a positive cheaper portfolio, a bit more gold in there for you removing underperforming investments, and it's seen a much greater return in the past, which could put you in a better position projected over time as well. How does that sound? Thank you. That is essentially everything I needed. This is a nice easy one for you. It's just the investment switch there. I have outlined best interest due to the advantages, disadvantages, risks involved. You're welcome to run your eyes over that document, and please let me know if you have any questions. And if you're happy just to take those recommendations, I'll get you sign and return it back, and I'll have it implemented nice and quick there for you. I also... Yeah. You have. It's just come back. Yeah. Did you want me to do a bit of a catch up in the next couple of months, maybe in six months to see how things are tracking and see if changes need to still be made with you. What was... Yep. Yep. Beautiful. Make those changes. Excellent. Yep. Yeah. Absolutely. Absolutely. Yeah. Definitely. Not a problem. Well, I will touch base in six months and see how things are cracking with you. If you find you need anything earlier, please let me know. In the meantime, I'll get these changes in place, and we'll come back and just review everything. The last thing I'd just like to point out is there's no upfront fees or cost for the advice. This is all part of you being an ongoing client and us seeing your financial advisers. So you do pay an ongoing service fee with us of 1.10 percent currently. So no implementation or upfront fees for the advice. It's all part of our services and what you pay us for, essentially. Okay. Yeah. I see. Beautiful. Do you have any questions? Is there anything that's come up through any of that? It's pretty easy. Yes. Beautiful. Yeah. Yeah. Beautiful. Beautiful. Well, we'll get this updated for you. I'll touch base and see how things are tracking. And if we need to make more changes, we can absolutely do so down the track there for you. Okay? No worries at all. I will let you go because I know you're busy, but I hope you have a lovely afternoon. My pleasure, Corey. Talk to you soon. See you later. 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Corey. It's Dana from Okey Financial. How are you today? I'm very well. Thank you.\n\nI had you booked in just to run through an update to your portfolio with the statement of advice. Is now still a good time there for you? You're right. I had you booked in for an updated statement of advice just to review your portfolio. Is now still a good time?\n\nNo. You're right. All good. Do you happen to have access to your email, sir, at the moment at all? Yes.\n\nOh, fantastic. I'm just gonna send you through this document here just so if you can open it and review it. I'll run you through it real quick. It was just sort of updating your portfolio, just making some changes there for you just to kinda make things work a little bit harder. Excellent.\n\nFantastic. Before I jump into the call and go to things, Corey, I do have to let you know that we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And I just need to do security there for you as well just to confirm your full name, your date of birth, and address I should have on file.\n\nYeah. You're fine. Not a problem at all. I just need you to confirm your full name, your date of birth, and address there for me as well for security. Sorry.\n\nYep. Beautiful. And it's your full name and date of birth there as well. Legend. Thank you so much for that, Corey.\n\nBeautiful. Now has that email popped through to you there at the moment at all? That's okay. If not, I could always just run you through the recommendations and let you have a read through it later. It's completely up to you.\n\nThat's better? Perfect. Yeah. You're right. That's not a problem at all.\n\nTake some time to review it later. Let me know if you do happen to have any questions. But this was just sort of having a look at your portfolio. So when we touched base and did your annual review, we sort of noted that some of the investments have been underperforming a little bit there. So I've kinda gone back and rejigged the portfolio just to make sure it is working a bit harder for you, looking at how we can maybe reduce any cost or fees inside of that, and just update the portfolio to remove any underperforming investments there.\n\nWith this advice, it is just a bit of an investment, which we are only scoping in superannuation. I've not made any new recommendations around new insurances. We're scoping that in only because with the projection table, your insurances are paid out of super. So we need to factor that in the the projection table there for you. And then with scoping out the advice, we're not providing advice on retirement at the moment.\n\nYou're still too young for that. When you get closer to accessing super, we can look at additional retirement advice. I know you're wanting to retire before the age of 60. However, for superannuation, 60 is the earliest we could access that. So that's kind of the age I've been working on in the back end for you for a goal there.\n\nI'm not making any changes to your estate planning side. I think at the moment, your beneficiaries are all in place and set up to Alice, which is exactly how you wanted that originally. And your personal investment seem to be going quite well as well, and you're doing fantastic with those. So you didn't want any new assistance with regard to those either. Am I still on the right track with all of that so far?\n\nYeah. You're doing well. Fantastic. So what I've essentially done with your super is I did go back there, Corey, and have a look at your super fund as well as the others out there. I am recommending we retain HUD 24.\n\nIt is still a great platform, and, obviously, it has a really good access or a range of investments to choose from for us to be able to alter and maneuver the portfolios. One of the things you did kinda mention to me was that you were lacking a bit of gold and wanted to sort of increase your gold exposure where possible as well. So I did have a bit of a look at that for you, and I was able to consider this an... A slight increase. I'm only increasing it by about 2%, because whilst gold is a good growth asset, we don't wanna use all the gold.\n\nWe wanna essentially have a lot of, diversification, and we use ETFs and managed funds in the other aspect because we also want income production out of your portfolio. We want a combination of growth and income protection... Income production there so that you're getting growth on two levels, and income is great for compounding. It'll be really compounded back into your portfolio for you. So what I've essentially done with your portfolio is just to kinda go back and review it.\n\nThen along the Australian Equities Managed Fund, that was the one that was underperforming and holding your portfolio back. I'm recommending we remove that completely from your fund to make sure you still have... You're at... Sorry. You're at...\n\nAh, you're right. That's okay. Am I okay to still keep talking? Yep. Beautiful.\n\nAll good. With that one, we are removing the Australian Bennelong Equity Fund out of there. That one was underperforming, and it's time to remove that investment from your portfolio. So we still wanna keep some Australian exposure in there, so we are still keeping the Raffy 200. We are just rebalancing you back to 15% on that one.\n\nYou've got about 17% there at the moment. And then also including in the beta shares a 200, between those two investments, you're getting a much more diversified range of access to Australian equities. You'll have about 30% invested in Australian equities there, and those two investments together have been cheaper for your super but also have been performing much greater. So it's about more diversification. Overall, we still wanna reduce risks where we can and also making sure you've got really good exposure, and more diversification is really good.\n\nWe are keeping exposure into the S and P 500 for the American market there. You're a bit overexposed at the moment. You've got 27%. So I'm just rebalancing it back to 24 for you. You've got some cybersecurity, some agriculture, and the bank hybrids in there.\n\nWe are keeping those investments and buying a little bit more. We wanna hold 10% bank hybrids within your portfolio. They are a defensive investment, and, essentially, that's... We we do wanna hold some defensive allocations during that growth. Fantastic.\n\nGood to see. Agriculture has been performing quite well, and it's also an area of additional growth as well. It's... You know, farming has been quite good, and I think moving forward, it's still got a lot of growth to be had for it, which is great. You're in that growth kind of portfolio, which sees 80% growth assets and 20% defensive thereabouts.\n\nSo keeping 10% in bank hybrids is good for income production, but also for some defensive exposure into banking. Physical gold, you've got about 13% there at the moment. We are just rebalancing you back to 12%. The portfolios normally hold about 10%. So I'm increasing your gold exposure by 2% there to increase it a little bit.\n\nWe'll see how that goes. And then down the track, if you still wanna keep increasing it, we can look to check... Make and change that down the track for you as well. But gold has been a bit volatile this year. It is still technically down from where it was earlier in the year, Has been a bit up and down, so it is probably a good buying point a good buying point for gold, but we'll just sort of have a smaller increase on that.\n\nYeah. Manage it essentially. With cybersecurity keeping that in your portfolio, we wanna hold about 7% in your total portfolio. Cybersecurity and this investment with BetaShares is giving you global cyber... Cybersecurity exposure.\n\nThat is good. We wanna keep that in there. Infrastructure, we are keeping that within the portfolio as well. We wanna buy a little bit more. So you want about 10% of infrastructure for an alternative asset as well as gold, and you've got about 6% there at the moment.\n\nSo those are essentially the changes that we are making to the portfolio. When you look at the document and you have a look at page 22, it outlines those changes nice and easily for you. One of the things I wanted to kind of look at when making changes to your portfolio is mitigating CGT. So your super fund does a tax return just like you every year. It pays income tax and capital gains tax.\n\nSo... I know. So with your super fund, I was able to mitigate and make the changes so that there's no CGT consequences for your super. So no capital gains for your super to have to pay, which means your balance is is retained the same. And it...\n\nAnd the newer portfolio has been performing better. So the older portfolio from ours such as averaged 8.91%, this newer portfolio is averaging 11.51%. So a little bit better of a return. And it's also cheaper. It's saving you about a $143 in investment fees there as well.\n\nSo that is a positive cheaper portfolio, a bit more gold in there for you removing underperforming investments, and it's seen a much greater return in the past, which could put you in a better position projected over time as well. How does that sound? Thank you. That is essentially everything I needed. This is a nice easy one for you.\n\nIt's just the investment switch there. I have outlined best interest due to the advantages, disadvantages, risks involved. You're welcome to run your eyes over that document, and please let me know if you have any questions. And if you're happy just to take those recommendations, I'll get you sign and return it back, and I'll have it implemented nice and quick there for you. I also...\n\nYeah. You have. It's just come back. Yeah. Did you want me to do a bit of a catch up in the next couple of months, maybe in six months to see how things are tracking and see if changes need to still be made with you.\n\nWhat was... Yep. Yep. Beautiful. Make those changes.\n\nExcellent. Yep. Yeah. Absolutely. Absolutely.\n\nYeah. Definitely. Not a problem. Well, I will touch base in six months and see how things are cracking with you. If you find you need anything earlier, please let me know.\n\nIn the meantime, I'll get these changes in place, and we'll come back and just review everything. The last thing I'd just like to point out is there's no upfront fees or cost for the advice. This is all part of you being an ongoing client and us seeing your financial advisers. So you do pay an ongoing service fee with us of 1.10 percent currently. So no implementation or upfront fees for the advice.\n\nIt's all part of our services and what you pay us for, essentially. Okay. Yeah. I see. Beautiful.\n\nDo you have any questions? Is there anything that's come up through any of that? It's pretty easy. Yes. Beautiful.\n\nYeah. Yeah. Beautiful. Beautiful. Well, we'll get this updated for you.\n\nI'll touch base and see how things are tracking. And if we need to make more changes, we can absolutely do so down the track there for you. Okay? No worries at all. I will let you go because I know you're busy, but I hope you have a lovely afternoon.\n\nMy pleasure, Corey. Talk to you soon. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Corey.","start":2.3999999,"end":3.04,"sentiment":"neutral","sentiment_score":0.16322730481624603},{"text":"It's Dana from Okey Financial.","start":3.04,"end":4.5,"sentiment":"neutral","sentiment_score":0.19731802940368653},{"text":"How are you today?","start":4.64,"end":5.62,"sentiment":"neutral","sentiment_score":0.24432728439569473},{"text":"I'm very well.","start":7.52,"end":8.4,"sentiment":"positive","sentiment_score":0.594426174958547},{"text":"Thank you.","start":8.4,"end":8.8,"sentiment":"positive","sentiment_score":0.6829633712768555}],"sentiment":"positive","sentiment_score":0.33997244760394096,"num_words":16,"start":2.3999999,"end":8.8},{"sentences":[{"text":"I had you booked in just to run through an update to your portfolio with the statement of advice.","start":8.8,"end":12.719999,"sentiment":"neutral","sentiment_score":0.21942723660092606},{"text":"Is now still a good time there for you?","start":12.719999,"end":14.9,"sentiment":"neutral","sentiment_score":0.1768876016139984},{"text":"You're right.","start":16.655,"end":17.055,"sentiment":"neutral","sentiment_score":0.07891766726970673},{"text":"I had you booked in for an updated statement of advice just to review your portfolio.","start":17.055,"end":20.755001,"sentiment":"neutral","sentiment_score":0.08865931117907166},{"text":"Is now still a good time?","start":20.895,"end":22.355,"sentiment":"neutral","sentiment_score":0.10380587230126063}],"sentiment":"neutral","sentiment_score":0.15308318186837894,"num_words":52,"start":8.8,"end":22.355},{"sentences":[{"text":"No.","start":26.575,"end":26.895,"sentiment":"neutral","sentiment_score":0.015996722504496574},{"text":"You're right.","start":26.895,"end":27.535,"sentiment":"neutral","sentiment_score":0.07122848182916641},{"text":"All good.","start":27.535,"end":28.095001,"sentiment":"neutral","sentiment_score":0.19284391403198242},{"text":"Do you happen to have access to your email, sir, at the moment at all?","start":28.095001,"end":32.78,"sentiment":"neutral","sentiment_score":0.01830953558286031},{"text":"Yes.","start":32.78,"end":33.28,"sentiment":"neutral","sentiment_score":0.08640474081039429}],"sentiment":"neutral","sentiment_score":0.043104251846671104,"num_words":21,"start":26.575,"end":33.28},{"sentences":[{"text":"Oh, fantastic.","start":33.34,"end":34.32,"sentiment":"positive","sentiment_score":0.3884600102901459},{"text":"I'm just gonna send you through this document here just so if you can open it and review it.","start":34.38,"end":38.78,"sentiment":"neutral","sentiment_score":0.31741884821339655},{"text":"I'll run you through it real quick.","start":38.78,"end":40.4,"sentiment":"neutral","sentiment_score":0.2832216663019998},{"text":"It was just sort of updating your portfolio, just making some changes there for you just to kinda make things work a little bit harder.","start":40.62,"end":46.635,"sentiment":"neutral","sentiment_score":0.015147017389535904},{"text":"Excellent.","start":48.535,"end":49.035,"sentiment":"positive","sentiment_score":0.5550474524497986}],"sentiment":"neutral","sentiment_score":0.18007690162846335,"num_words":54,"start":33.34,"end":49.035},{"sentences":[{"text":"Fantastic.","start":50.215,"end":50.715,"sentiment":"positive","sentiment_score":0.49479013681411743},{"text":"Before I jump into the call and go to things, Corey, I do have to let you know that we do record our calls for quality and training purposes.","start":51.415,"end":57.359997,"sentiment":"neutral","sentiment_score":0.13150236254622197},{"text":"Are you happy for me to proceed with that?","start":57.359997,"end":59.539997,"sentiment":"neutral","sentiment_score":0.12238188832998276},{"text":"Fantastic.","start":61.12,"end":61.62,"sentiment":"positive","sentiment_score":0.4729129672050476},{"text":"And I just need to do security there for you as well just to confirm your full name, your date of birth, and address I should have on file.","start":61.679996,"end":67.619995,"sentiment":"neutral","sentiment_score":0.16104804878604823}],"sentiment":"neutral","sentiment_score":0.1529435076467369,"num_words":69,"start":50.215,"end":67.619995},{"sentences":[{"text":"Yeah.","start":74.895,"end":75.134995,"sentiment":"neutral","sentiment_score":0.09193654358386992},{"text":"You're fine.","start":75.134995,"end":75.954994,"sentiment":"neutral","sentiment_score":0.1341194286942482},{"text":"Not a problem at all.","start":76.095,"end":77.295,"sentiment":"neutral","sentiment_score":0.17936730980873108},{"text":"I just need you to confirm your full name, your date of birth, and address there for me as well for security.","start":77.534996,"end":81.875,"sentiment":"neutral","sentiment_score":0.0998646654188633},{"text":"Sorry.","start":81.935,"end":82.435,"sentiment":"neutral","sentiment_score":0.006324080750346184}],"sentiment":"neutral","sentiment_score":0.11162447322520518,"num_words":31,"start":74.895,"end":82.435},{"sentences":[{"text":"Yep.","start":84.409996,"end":84.909996,"sentiment":"neutral","sentiment_score":0.00949700828641653},{"text":"Beautiful.","start":88.97,"end":89.47,"sentiment":"positive","sentiment_score":0.6560548543930054},{"text":"And it's your full name and date of birth there as well.","start":89.53,"end":95.95,"sentiment":"neutral","sentiment_score":0.13689891248941422},{"text":"Legend.","start":96.17,"end":96.57,"sentiment":"positive","sentiment_score":0.40743255615234375},{"text":"Thank you so much for that, Corey.","start":96.57,"end":98.134995,"sentiment":"positive","sentiment_score":0.7531710181917463}],"sentiment":"positive","sentiment_score":0.3630894770930437,"num_words":22,"start":84.409996,"end":98.134995},{"sentences":[{"text":"Beautiful.","start":98.134995,"end":98.634995,"sentiment":"positive","sentiment_score":0.7025693655014038},{"text":"Now has that email popped through to you there at the moment at all?","start":99.814995,"end":102.954994,"sentiment":"neutral","sentiment_score":0.15304723807743617},{"text":"That's okay.","start":104.695,"end":105.515,"sentiment":"neutral","sentiment_score":0.19394034147262573},{"text":"If not, I could always just run you through the recommendations and let you have a read through it later.","start":105.575,"end":109.814995,"sentiment":"neutral","sentiment_score":0.1431379958987236},{"text":"It's completely up to you.","start":109.814995,"end":111.274994,"sentiment":"neutral","sentiment_score":0.192104971408844}],"sentiment":"neutral","sentiment_score":0.16800943229879653,"num_words":42,"start":98.134995,"end":111.274994},{"sentences":[{"text":"That's better?","start":113.49,"end":114.229996,"sentiment":"neutral","sentiment_score":0.1100844070315361},{"text":"Perfect.","start":114.93,"end":115.43,"sentiment":"positive","sentiment_score":0.3467434048652649},{"text":"Yeah.","start":116.53,"end":116.93,"sentiment":"neutral","sentiment_score":0.13498473167419434},{"text":"You're right.","start":116.93,"end":117.49,"sentiment":"neutral","sentiment_score":0.21317985653877258},{"text":"That's not a problem at all.","start":117.49,"end":119.03,"sentiment":"neutral","sentiment_score":0.32803016901016235}],"sentiment":"neutral","sentiment_score":0.25803647314508754,"num_words":12,"start":113.49,"end":119.03},{"sentences":[{"text":"Take some time to review it later.","start":119.09,"end":120.45,"sentiment":"neutral","sentiment_score":0.2123794768537794},{"text":"Let me know if you do happen to have any questions.","start":120.45,"end":122.29,"sentiment":"neutral","sentiment_score":0.1418788270516829},{"text":"But this was just sort of having a look at your portfolio.","start":122.29,"end":124.63,"sentiment":"neutral","sentiment_score":0.05073391180485487},{"text":"So when we touched base and did your annual review, we sort of noted that some of the investments have been underperforming a little bit there.","start":124.77,"end":130.755,"sentiment":"neutral","sentiment_score":-0.05806132312864065},{"text":"So I've kinda gone back and rejigged the portfolio just to make sure it is working a bit harder for you, looking at how we can maybe reduce any cost or fees inside of that, and just update the portfolio to remove any underperforming investments there.","start":130.755,"end":145.12001,"sentiment":"neutral","sentiment_score":-0.01789035664304443}],"sentiment":"neutral","sentiment_score":0.012976270296848287,"num_words":102,"start":119.09,"end":145.12001},{"sentences":[{"text":"With this advice, it is just a bit of an investment, which we are only scoping in superannuation.","start":145.90001,"end":150.96,"sentiment":"neutral","sentiment_score":0.05019222551749812},{"text":"I've not made any new recommendations around new insurances.","start":152.22,"end":155.52,"sentiment":"neutral","sentiment_score":-0.09055675897333357},{"text":"We're scoping that in only because with the projection table, your insurances are paid out of super.","start":155.82,"end":161.955,"sentiment":"neutral","sentiment_score":-0.035008858889341354},{"text":"So we need to factor that in the the projection table there for you.","start":161.955,"end":165.495,"sentiment":"neutral","sentiment_score":0.011810416887913431},{"text":"And then with scoping out the advice, we're not providing advice on retirement at the moment.","start":166.19499,"end":171.3,"sentiment":"neutral","sentiment_score":-0.11877389065921307}],"sentiment":"neutral","sentiment_score":-0.030293753874060268,"num_words":74,"start":145.90001,"end":171.3},{"sentences":[{"text":"You're still too young for that.","start":171.3,"end":172.73999,"sentiment":"neutral","sentiment_score":-0.20679920415083566},{"text":"When you get closer to accessing super, we can look at additional retirement advice.","start":172.73999,"end":177.31999,"sentiment":"neutral","sentiment_score":-0.05469208450189659},{"text":"I know you're wanting to retire before the age of 60.","start":177.62,"end":180.84,"sentiment":"neutral","sentiment_score":-0.02697696452113715},{"text":"However, for superannuation, 60 is the earliest we could access that.","start":180.9,"end":184.58,"sentiment":"neutral","sentiment_score":-0.01728338951414282},{"text":"So that's kind of the age I've been working on in the back end for you for a goal there.","start":184.58,"end":188.635,"sentiment":"neutral","sentiment_score":0.015156138129532338}],"sentiment":"neutral","sentiment_score":-0.035326218382725795,"num_words":62,"start":171.3,"end":188.635},{"sentences":[{"text":"I'm not making any changes to your estate planning side.","start":190.375,"end":192.775,"sentiment":"neutral","sentiment_score":-0.1436660747975111},{"text":"I think at the moment, your beneficiaries are all in place and set up to Alice, which is exactly how you wanted that originally.","start":192.775,"end":198.875,"sentiment":"neutral","sentiment_score":0.19745715272923312},{"text":"And your personal investment seem to be going quite well as well, and you're doing fantastic with those.","start":199.70999,"end":204.51,"sentiment":"positive","sentiment_score":0.7045430507924821},{"text":"So you didn't want any new assistance with regard to those either.","start":204.51,"end":207.39,"sentiment":"neutral","sentiment_score":-0.07179059119274218},{"text":"Am I still on the right track with all of that so far?","start":207.39,"end":209.89,"sentiment":"neutral","sentiment_score":0.08202436938881874}],"sentiment":"neutral","sentiment_score":0.21024565635757012,"num_words":77,"start":190.375,"end":209.89},{"sentences":[{"text":"Yeah.","start":212.98999,"end":213.47,"sentiment":"neutral","sentiment_score":0.22473850846290588},{"text":"You're doing well.","start":213.47,"end":214.53,"sentiment":"positive","sentiment_score":0.4854654272397359},{"text":"Fantastic.","start":217.50499,"end":218.00499,"sentiment":"positive","sentiment_score":0.7203101515769958},{"text":"So what I've essentially done with your super is I did go back there, Corey, and have a look at your super fund as well as the others out there.","start":218.86499,"end":224.78499,"sentiment":"neutral","sentiment_score":0.28198353002468746},{"text":"I am recommending we retain HUD 24.","start":224.78499,"end":227.025,"sentiment":"positive","sentiment_score":0.3518390825816563}],"sentiment":"neutral","sentiment_score":0.3172339147755078,"num_words":42,"start":212.98999,"end":227.025},{"sentences":[{"text":"It is still a great platform, and, obviously, it has a really good access or a range of investments to choose from for us to be able to alter and maneuver the portfolios.","start":227.025,"end":235.8,"sentiment":"positive","sentiment_score":0.48097355708931433},{"text":"One of the things you did kinda mention to me was that you were lacking a bit of gold and wanted to sort of increase your gold exposure where possible as well.","start":236.66,"end":243.495,"sentiment":"neutral","sentiment_score":-0.044113795447628945},{"text":"So I did have a bit of a look at that for you, and I was able to consider this an...","start":243.495,"end":247.975,"sentiment":"neutral","sentiment_score":0.016407866075280168},{"text":"A slight increase.","start":247.975,"end":248.855,"sentiment":"neutral","sentiment_score":-0.021989768370985985},{"text":"I'm only increasing it by about 2%, because whilst gold is a good growth asset, we don't wanna use all the gold.","start":248.855,"end":255.255,"sentiment":"neutral","sentiment_score":0.0036573409610851245}],"sentiment":"neutral","sentiment_score":0.13350939921833374,"num_words":111,"start":227.025,"end":255.255},{"sentences":[{"text":"We wanna essentially have a lot of, diversification, and we use ETFs and managed funds in the other aspect because we also want income production out of your portfolio.","start":255.255,"end":265.13,"sentiment":"neutral","sentiment_score":0.11614910410395984},{"text":"We want a combination of growth and income protection...","start":265.27002,"end":267.85,"sentiment":"neutral","sentiment_score":0.11990502311123742},{"text":"Income production there so that you're getting growth on two levels, and income is great for compounding.","start":268.15002,"end":273.55502,"sentiment":"neutral","sentiment_score":0.2648956986034618},{"text":"It'll be really compounded back into your portfolio for you.","start":273.55502,"end":276.855,"sentiment":"neutral","sentiment_score":0.25433979257941247},{"text":"So what I've essentially done with your portfolio is just to kinda go back and review it.","start":278.035,"end":282.035,"sentiment":"neutral","sentiment_score":-0.05328650400042534}],"sentiment":"neutral","sentiment_score":0.12912467635441116,"num_words":82,"start":255.255,"end":282.035},{"sentences":[{"text":"Then along the Australian Equities Managed Fund, that was the one that was underperforming and holding your portfolio back.","start":282.035,"end":287.58,"sentiment":"neutral","sentiment_score":-0.24594278633594513},{"text":"I'm recommending we remove that completely from your fund to make sure you still have...","start":287.58,"end":292.3,"sentiment":"neutral","sentiment_score":-0.2828444371620814},{"text":"You're at...","start":292.3,"end":292.69998,"sentiment":"neutral","sentiment_score":-0.0679207593202591},{"text":"Sorry.","start":292.69998,"end":293.02,"sentiment":"neutral","sentiment_score":-0.09204278141260148},{"text":"You're at...","start":293.02,"end":293.75998,"sentiment":"neutral","sentiment_score":-0.06334693729877472}],"sentiment":"neutral","sentiment_score":-0.23769635057602173,"num_words":39,"start":282.035,"end":293.75998},{"sentences":[{"text":"Ah, you're right.","start":299.02,"end":299.74,"sentiment":"neutral","sentiment_score":-0.004842031747102737},{"text":"That's okay.","start":299.74,"end":300.56,"sentiment":"neutral","sentiment_score":0.001432129807653837},{"text":"Am I okay to still keep talking?","start":300.81497,"end":302.675,"sentiment":"neutral","sentiment_score":-0.02786723604159696},{"text":"Yep.","start":304.175,"end":304.675,"sentiment":"neutral","sentiment_score":0.0029567626770585775},{"text":"Beautiful.","start":305.615,"end":306.115,"sentiment":"positive","sentiment_score":0.5044053792953491}],"sentiment":"neutral","sentiment_score":0.021473546718230603,"num_words":14,"start":299.02,"end":306.115},{"sentences":[{"text":"All good.","start":306.335,"end":306.995,"sentiment":"positive","sentiment_score":0.4655865579843521},{"text":"With that one, we are removing the Australian Bennelong Equity Fund out of there.","start":307.615,"end":311.53497,"sentiment":"neutral","sentiment_score":-0.05851833415882928},{"text":"That one was underperforming, and it's time to remove that investment from your portfolio.","start":311.53497,"end":315.63498,"sentiment":"neutral","sentiment_score":-0.24120359016316278},{"text":"So we still wanna keep some Australian exposure in there, so we are still keeping the Raffy 200.","start":316.06998,"end":321.37,"sentiment":"neutral","sentiment_score":0.008856142353680398},{"text":"We are just rebalancing you back to 15% on that one.","start":321.83,"end":324.94998,"sentiment":"neutral","sentiment_score":0.03873301636088978}],"sentiment":"neutral","sentiment_score":-0.045414577664460165,"num_words":59,"start":306.335,"end":324.94998},{"sentences":[{"text":"You've got about 17% there at the moment.","start":324.94998,"end":327.44998,"sentiment":"neutral","sentiment_score":0.037520840764045715},{"text":"And then also including in the beta shares a 200, between those two investments, you're getting a much more diversified range of access to Australian equities.","start":327.66998,"end":336.82498,"sentiment":"neutral","sentiment_score":0.15069610969378397},{"text":"You'll have about 30% invested in Australian equities there, and those two investments together have been cheaper for your super but also have been performing much greater.","start":337.04498,"end":346.71,"sentiment":"neutral","sentiment_score":0.203737563557095},{"text":"So it's about more diversification.","start":346.77,"end":348.55,"sentiment":"neutral","sentiment_score":0.17402693629264832},{"text":"Overall, we still wanna reduce risks where we can and also making sure you've got really good exposure, and more diversification is really good.","start":348.93,"end":356.94998,"sentiment":"neutral","sentiment_score":0.24313367841144404}],"sentiment":"neutral","sentiment_score":0.18249469730589124,"num_words":90,"start":324.94998,"end":356.94998},{"sentences":[{"text":"We are keeping exposure into the S and P 500 for the American market there.","start":357.73502,"end":362.77502,"sentiment":"neutral","sentiment_score":0.17627731561660767},{"text":"You're a bit overexposed at the moment.","start":362.77502,"end":364.61502,"sentiment":"neutral","sentiment_score":-0.05665881790420307},{"text":"You've got 27%.","start":364.61502,"end":365.975,"sentiment":"neutral","sentiment_score":0.020171610017617542},{"text":"So I'm just rebalancing it back to 24 for you.","start":365.975,"end":369.03,"sentiment":"neutral","sentiment_score":0.10655345469713211},{"text":"You've got some cybersecurity, some agriculture, and the bank hybrids in there.","start":370.07,"end":374.23,"sentiment":"neutral","sentiment_score":0.11516619908312957}],"sentiment":"neutral","sentiment_score":0.10118280372215792,"num_words":47,"start":357.73502,"end":374.23},{"sentences":[{"text":"We are keeping those investments and buying a little bit more.","start":374.23,"end":377.53,"sentiment":"neutral","sentiment_score":0.17219813845374368},{"text":"We wanna hold 10% bank hybrids within your portfolio.","start":377.59,"end":380.97,"sentiment":"neutral","sentiment_score":0.13455237530999714},{"text":"They are a defensive investment, and, essentially, that's...","start":381.645,"end":384.685,"sentiment":"neutral","sentiment_score":0.026855488074943423},{"text":"We we do wanna hold some defensive allocations during that growth.","start":384.685,"end":388.545,"sentiment":"neutral","sentiment_score":0.04568947648460215},{"text":"Fantastic.","start":392.525,"end":393.025,"sentiment":"positive","sentiment_score":0.7731238603591919}],"sentiment":"neutral","sentiment_score":0.11489257267676294,"num_words":40,"start":374.23,"end":393.025},{"sentences":[{"text":"Good to see.","start":393.645,"end":394.54498,"sentiment":"positive","sentiment_score":0.7527197996775309},{"text":"Agriculture has been performing quite well, and it's also an area of additional growth as well.","start":394.685,"end":400.38,"sentiment":"positive","sentiment_score":0.45071070082485676},{"text":"It's...","start":400.38,"end":400.86002,"sentiment":"neutral","sentiment_score":0.11387523263692856},{"text":"You know, farming has been quite good, and I think moving forward, it's still got a lot of growth to be had for it, which is great.","start":400.86002,"end":407.28,"sentiment":"positive","sentiment_score":0.40872737268606824},{"text":"You're in that growth kind of portfolio, which sees 80% growth assets and 20% defensive thereabouts.","start":408.06,"end":414.095,"sentiment":"neutral","sentiment_score":0.3211890980601311}],"sentiment":"positive","sentiment_score":0.40885826152941535,"num_words":63,"start":393.645,"end":414.095},{"sentences":[{"text":"So keeping 10% in bank hybrids is good for income production, but also for some defensive exposure into banking.","start":414.155,"end":422.01498,"sentiment":"neutral","sentiment_score":0.2264591010385438},{"text":"Physical gold, you've got about 13% there at the moment.","start":423.36,"end":426.9,"sentiment":"neutral","sentiment_score":0.0917120821774006},{"text":"We are just rebalancing you back to 12%.","start":427.52,"end":430.16,"sentiment":"neutral","sentiment_score":0.12668823637068272},{"text":"The portfolios normally hold about 10%.","start":430.16,"end":432.56,"sentiment":"neutral","sentiment_score":0.07404282068212827},{"text":"So I'm increasing your gold exposure by 2% there to increase it a little bit.","start":432.56,"end":437.085,"sentiment":"neutral","sentiment_score":0.11579738209644953}],"sentiment":"neutral","sentiment_score":0.14507874634502263,"num_words":58,"start":414.155,"end":437.085},{"sentences":[{"text":"We'll see how that goes.","start":437.16498,"end":438.60498,"sentiment":"neutral","sentiment_score":0.09022615104913712},{"text":"And then down the track, if you still wanna keep increasing it, we can look to check...","start":438.60498,"end":443.005,"sentiment":"neutral","sentiment_score":0.017257762525011513},{"text":"Make and change that down the track for you as well.","start":443.005,"end":445.485,"sentiment":"neutral","sentiment_score":0.05679188363931396},{"text":"But gold has been a bit volatile this year.","start":445.485,"end":448.44498,"sentiment":"neutral","sentiment_score":-0.15677548944950104},{"text":"It is still technically down from where it was earlier in the year, Has been a bit up and down, so it is probably a good buying point a good buying point for gold, but we'll just sort of have a smaller increase on that.","start":448.44498,"end":461.98,"sentiment":"neutral","sentiment_score":-0.05012983414861891}],"sentiment":"neutral","sentiment_score":-0.026409178201494545,"num_words":87,"start":437.16498,"end":461.98},{"sentences":[{"text":"Yeah.","start":461.98,"end":462.38,"sentiment":"neutral","sentiment_score":0.02605595625936985},{"text":"Manage it essentially.","start":462.38,"end":463.52,"sentiment":"neutral","sentiment_score":0.026995232328772545},{"text":"With cybersecurity keeping that in your portfolio, we wanna hold about 7% in your total portfolio.","start":465.19498,"end":471.53497,"sentiment":"neutral","sentiment_score":0.06796465651132166},{"text":"Cybersecurity and this investment with BetaShares is giving you global cyber...","start":471.59497,"end":475.675,"sentiment":"neutral","sentiment_score":0.09359493512998927},{"text":"Cybersecurity exposure.","start":475.675,"end":477.055,"sentiment":"neutral","sentiment_score":0.04672899655997753}],"sentiment":"neutral","sentiment_score":0.07022661930232336,"num_words":33,"start":461.98,"end":477.055},{"sentences":[{"text":"That is good.","start":477.115,"end":477.96,"sentiment":"positive","sentiment_score":0.4228353599707286},{"text":"We wanna keep that in there.","start":478.03998,"end":479.58,"sentiment":"neutral","sentiment_score":0.17040572067101797},{"text":"Infrastructure, we are keeping that within the portfolio as well.","start":479.88,"end":482.91998,"sentiment":"neutral","sentiment_score":0.11665110066533088},{"text":"We wanna buy a little bit more.","start":482.91998,"end":484.19998,"sentiment":"neutral","sentiment_score":0.07693800629515733},{"text":"So you want about 10% of infrastructure for an alternative asset as well as gold, and you've got about 6% there at the moment.","start":484.19998,"end":491.69498,"sentiment":"neutral","sentiment_score":0.08058219760035475}],"sentiment":"neutral","sentiment_score":0.11859980394132436,"num_words":50,"start":477.115,"end":491.69498},{"sentences":[{"text":"So those are essentially the changes that we are making to the portfolio.","start":491.69498,"end":496.115,"sentiment":"neutral","sentiment_score":0.10610648330587608},{"text":"When you look at the document and you have a look at page 22, it outlines those changes nice and easily for you.","start":496.41498,"end":502.835,"sentiment":"neutral","sentiment_score":0.2874541593634564},{"text":"One of the things I wanted to kind of look at when making changes to your portfolio is mitigating CGT.","start":503.89,"end":509.03,"sentiment":"neutral","sentiment_score":0.09575842767953872},{"text":"So your super fund does a tax return just like you every year.","start":509.25,"end":512.05,"sentiment":"neutral","sentiment_score":0.11736980653726138},{"text":"It pays income tax and capital gains tax.","start":512.05,"end":514.79004,"sentiment":"neutral","sentiment_score":0.05013013677671552}],"sentiment":"neutral","sentiment_score":0.15367333871590627,"num_words":77,"start":491.69498,"end":514.79004},{"sentences":[{"text":"So...","start":515.265,"end":515.765,"sentiment":"neutral","sentiment_score":0.029501650482416153},{"text":"I know.","start":516.945,"end":517.685,"sentiment":"neutral","sentiment_score":0.1551181674003601},{"text":"So with your super fund, I was able to mitigate and make the changes so that there's no CGT consequences for your super.","start":517.98505,"end":524.945,"sentiment":"neutral","sentiment_score":0.30526701717273047},{"text":"So no capital gains for your super to have to pay, which means your balance is is retained the same.","start":524.945,"end":530.325,"sentiment":"neutral","sentiment_score":0.20134084038436412},{"text":"And it...","start":531.42004,"end":532.06,"sentiment":"neutral","sentiment_score":0.06463873572647572}],"sentiment":"neutral","sentiment_score":0.23993695123742023,"num_words":48,"start":515.265,"end":532.06},{"sentences":[{"text":"And the newer portfolio has been performing better.","start":532.06,"end":535.26,"sentiment":"neutral","sentiment_score":0.32529278844594955},{"text":"So the older portfolio from ours such as averaged 8.91%, this newer portfolio is averaging 11.51%.","start":535.26,"end":543.5,"sentiment":"positive","sentiment_score":0.34090736135840416},{"text":"So a little bit better of a return.","start":543.5,"end":545.76,"sentiment":"positive","sentiment_score":0.4795322082936764},{"text":"And it's also cheaper.","start":546.20496,"end":547.40497,"sentiment":"positive","sentiment_score":0.5717636942863464},{"text":"It's saving you about a $143 in investment fees there as well.","start":547.40497,"end":551.805,"sentiment":"positive","sentiment_score":0.5463312094410261}],"sentiment":"positive","sentiment_score":0.4320030634601911,"num_words":48,"start":532.06,"end":551.805},{"sentences":[{"text":"So that is a positive cheaper portfolio, a bit more gold in there for you removing underperforming investments, and it's seen a much greater return in the past, which could put you in a better position projected over time as well.","start":551.805,"end":565.03,"sentiment":"positive","sentiment_score":0.585199501456284},{"text":"How does that sound?","start":565.03,"end":566.17,"sentiment":"neutral","sentiment_score":0.1759202666580677},{"text":"Thank you.","start":568.07,"end":568.81,"sentiment":"positive","sentiment_score":0.5564171671867371},{"text":"That is essentially everything I needed.","start":569.59,"end":571.51,"sentiment":"positive","sentiment_score":0.40170255800088245},{"text":"This is a nice easy one for you.","start":571.51,"end":573.27,"sentiment":"positive","sentiment_score":0.6428568698465824}],"sentiment":"positive","sentiment_score":0.5469305781555958,"num_words":61,"start":551.805,"end":573.27},{"sentences":[{"text":"It's just the investment switch there.","start":573.27,"end":575.335,"sentiment":"neutral","sentiment_score":0.22725713501373926},{"text":"I have outlined best interest due to the advantages, disadvantages, risks involved.","start":575.635,"end":579.97504,"sentiment":"neutral","sentiment_score":0.21996954828500748},{"text":"You're welcome to run your eyes over that document, and please let me know if you have any questions.","start":580.115,"end":584.615,"sentiment":"positive","sentiment_score":0.37242413821973297},{"text":"And if you're happy just to take those recommendations, I'll get you sign and return it back, and I'll have it implemented nice and quick there for you.","start":585.155,"end":591.89,"sentiment":"positive","sentiment_score":0.4939065862979208},{"text":"I also...","start":592.43005,"end":593.17004,"sentiment":"neutral","sentiment_score":0.0055328914895653725}],"sentiment":"positive","sentiment_score":0.3719356151492293,"num_words":67,"start":573.27,"end":593.17004},{"sentences":[{"text":"Yeah.","start":594.35004,"end":594.75,"sentiment":"neutral","sentiment_score":0.0014820313081145289},{"text":"You have.","start":594.75,"end":595.23004,"sentiment":"neutral","sentiment_score":0.009510337840765715},{"text":"It's just come back.","start":595.23004,"end":596.27,"sentiment":"neutral","sentiment_score":0.022453258279711008},{"text":"Yeah.","start":596.27,"end":596.77,"sentiment":"neutral","sentiment_score":0.045755110681056976},{"text":"Did you want me to do a bit of a catch up in the next couple of months, maybe in six months to see how things are tracking and see if changes need to still be made with you.","start":597.79004,"end":605.48505,"sentiment":"neutral","sentiment_score":0.02563875674819335}],"sentiment":"neutral","sentiment_score":0.0245953694461508,"num_words":47,"start":594.35004,"end":605.48505},{"sentences":[{"text":"What was...","start":605.48505,"end":606.22504,"sentiment":"neutral","sentiment_score":0.11294801533222198},{"text":"Yep.","start":607.565,"end":608.065,"sentiment":"neutral","sentiment_score":0.2719566822052002},{"text":"Yep.","start":609.325,"end":609.805,"sentiment":"neutral","sentiment_score":0.29593560099601746},{"text":"Beautiful.","start":609.805,"end":610.305,"sentiment":"positive","sentiment_score":0.7125468254089355},{"text":"Make those changes.","start":610.685,"end":611.66504,"sentiment":"positive","sentiment_score":0.5944675405820211}],"sentiment":"positive","sentiment_score":0.41121722012758255,"num_words":8,"start":605.48505,"end":611.66504},{"sentences":[{"text":"Excellent.","start":611.805,"end":612.305,"sentiment":"positive","sentiment_score":0.6650777459144592},{"text":"Yep.","start":618.125,"end":618.625,"sentiment":"neutral","sentiment_score":0.10706637799739838},{"text":"Yeah.","start":618.66,"end":619.16,"sentiment":"neutral","sentiment_score":0.1629509478807449},{"text":"Absolutely.","start":620.5,"end":621.0,"sentiment":"neutral","sentiment_score":0.19981509447097776},{"text":"Absolutely.","start":625.22,"end":625.72,"sentiment":"neutral","sentiment_score":0.18170204758644104}],"sentiment":"neutral","sentiment_score":0.2633224427700043,"num_words":5,"start":611.805,"end":625.72},{"sentences":[{"text":"Yeah.","start":626.5,"end":626.89996,"sentiment":"neutral","sentiment_score":0.14143675565719604},{"text":"Definitely.","start":626.89996,"end":627.39996,"sentiment":"neutral","sentiment_score":0.1782013177871704},{"text":"Not a problem.","start":627.69995,"end":628.42,"sentiment":"neutral","sentiment_score":0.19379132986068726},{"text":"Well, I will touch base in six months and see how things are cracking with you.","start":628.42,"end":632.595,"sentiment":"neutral","sentiment_score":0.05440592812374234},{"text":"If you find you need anything earlier, please let me know.","start":632.595,"end":635.575,"sentiment":"neutral","sentiment_score":0.0357286621901122}],"sentiment":"neutral","sentiment_score":0.06764131865929812,"num_words":32,"start":626.5,"end":635.575},{"sentences":[{"text":"In the meantime, I'll get these changes in place, and we'll come back and just review everything.","start":636.115,"end":640.455,"sentiment":"neutral","sentiment_score":0.09428495409734108},{"text":"The last thing I'd just like to point out is there's no upfront fees or cost for the advice.","start":641.15497,"end":645.91003,"sentiment":"neutral","sentiment_score":0.1059247698438795},{"text":"This is all part of you being an ongoing client and us seeing your financial advisers.","start":645.91003,"end":649.93,"sentiment":"neutral","sentiment_score":0.1364467153325677},{"text":"So you do pay an ongoing service fee with us of 1.10 percent currently.","start":650.55,"end":654.89,"sentiment":"neutral","sentiment_score":0.12083104199596814},{"text":"So no implementation or upfront fees for the advice.","start":655.91003,"end":658.875,"sentiment":"neutral","sentiment_score":0.09945354113976161}],"sentiment":"neutral","sentiment_score":0.11180371666948001,"num_words":75,"start":636.115,"end":658.875},{"sentences":[{"text":"It's all part of our services and what you pay us for, essentially.","start":658.955,"end":661.935,"sentiment":"neutral","sentiment_score":0.12565345489061797},{"text":"Okay.","start":662.315,"end":662.815,"sentiment":"neutral","sentiment_score":0.1084032505750656},{"text":"Yeah.","start":663.195,"end":663.695,"sentiment":"neutral","sentiment_score":0.09225653111934662},{"text":"I see.","start":663.995,"end":664.735,"sentiment":"neutral","sentiment_score":0.11074652522802353},{"text":"Beautiful.","start":665.115,"end":665.615,"sentiment":"neutral","sentiment_score":0.32479166984558105}],"sentiment":"neutral","sentiment_score":0.13224663419855964,"num_words":18,"start":658.955,"end":665.615},{"sentences":[{"text":"Do you have any questions?","start":667.035,"end":668.075,"sentiment":"neutral","sentiment_score":0.15538545250892638},{"text":"Is there anything that's come up through any of that?","start":668.075,"end":669.835,"sentiment":"neutral","sentiment_score":0.10584629401564598},{"text":"It's pretty easy.","start":669.835,"end":670.815,"sentiment":"neutral","sentiment_score":0.276212215423584},{"text":"Yes.","start":673.7,"end":674.2,"sentiment":"neutral","sentiment_score":0.1037680357694626},{"text":"Beautiful.","start":675.14,"end":675.64,"sentiment":"neutral","sentiment_score":-0.05299483239650726}],"sentiment":"neutral","sentiment_score":0.13574000261723995,"num_words":20,"start":667.035,"end":675.64},{"sentences":[{"text":"Yeah.","start":678.9,"end":679.4,"sentiment":"neutral","sentiment_score":0.006453490816056728},{"text":"Yeah.","start":680.18,"end":680.68,"sentiment":"neutral","sentiment_score":0.10052889585494997},{"text":"Beautiful.","start":682.02,"end":682.52,"sentiment":"neutral","sentiment_score":0.3148035705089569},{"text":"Beautiful.","start":683.06,"end":683.56,"sentiment":"positive","sentiment_score":0.33727240562438965},{"text":"Well, we'll get this updated for you.","start":683.62,"end":685.38,"sentiment":"neutral","sentiment_score":0.24065683782100677}],"sentiment":"neutral","sentiment_score":0.22215056614103643,"num_words":11,"start":678.9,"end":685.38},{"sentences":[{"text":"I'll touch base and see how things are tracking.","start":685.38,"end":687.265,"sentiment":"neutral","sentiment_score":0.20552473929193285},{"text":"And if we need to make more changes, we can absolutely do so down the track there for you.","start":687.265,"end":691.34503,"sentiment":"neutral","sentiment_score":0.29092188101065786},{"text":"Okay?","start":691.34503,"end":691.84503,"sentiment":"neutral","sentiment_score":0.17541047930717468},{"text":"No worries at all.","start":693.825,"end":695.025,"sentiment":"neutral","sentiment_score":0.3004738539457321},{"text":"I will let you go because I know you're busy, but I hope you have a lovely afternoon.","start":695.025,"end":698.80505,"sentiment":"positive","sentiment_score":0.5370074527131187}],"sentiment":"positive","sentiment_score":0.3611897732697281,"num_words":51,"start":685.38,"end":698.80505},{"sentences":[{"text":"My pleasure, Corey.","start":701.727,"end":702.68695,"sentiment":"positive","sentiment_score":0.7927363514900208},{"text":"Talk to you soon.","start":702.68695,"end":703.48694,"sentiment":"positive","sentiment_score":0.6414055973291397},{"text":"See you later.","start":703.48694,"end":704.30695,"sentiment":"positive","sentiment_score":0.49669429659843445},{"text":"Bye.","start":705.48694,"end":705.98694,"sentiment":"neutral","sentiment_score":-0.11964014917612076}],"sentiment":"positive","sentiment_score":0.574024925855073,"num_words":11,"start":701.727,"end":705.98694}]}}]},{"alternatives":[{"transcript":"Hello? It's Corey speaking. Oh, not too bad. How are you going? What's that? Sorry? Yep. Yep. Yep. Just quickly grabbing stuff on that here. I do. Just on my phone. Yep. Yep. Yep. I like that. I like the sound of that. Yeah. That's cool. I'll catch you later, boy. You want me to see if I can send you a discount? I'll be back in a couple of hours. Sorry. I'm just heading out to the shops. Address? 448 Little Heating And Erskine. Corey Taylor McLean. 03/23/1999. I'll just have a quick squeeze. Yeah. That's better. You can always click the link. Yeah. Sounds good. Perfect. Yeah. I'm I'm I'm good with that stuff. That's just sitting, kicking, and sitting and kicking along. Yep. Yeah. Sorry. I'm just I'm just clicking on I gotta go to a job now. Yeah. Yeah. I'm just gonna drive and check. That's all. Beautiful. I do like I do like the agriculture, and I I do like the SSP at the moment. Yes. Yep. Management. Got it. Yep. Yes. Well done. Three days. I think I had gone under an extension. Yeah. Six months would be a good good indicator. Yeah. Just just to have a look at it. I said I do a lot of investing on the side, so it'd just be a good good to see where the market's at and what we can potentially move into. Yep. Yep. Sweet. Yeah. It's pretty easy. It's pretty straightforward. Couple of good things in there. Not too sure that I'm still not security in that, but the others are quite Happy? Thank you very much for that. Me too. Thank you very much for the call. Appreciate 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moment.","start":387.065,"end":392.125,"sentiment":"neutral","sentiment_score":0.2751088852269782},{"text":"Yes.","start":397.705,"end":398.205,"sentiment":"positive","sentiment_score":0.4346283674240112},{"text":"Yep.","start":422.715,"end":423.215,"sentiment":"neutral","sentiment_score":0.08142133802175522}],"sentiment":"neutral","sentiment_score":0.26197959490768286,"num_words":23,"start":304.65503,"end":423.215},{"sentences":[{"text":"Management.","start":463.22,"end":463.62,"sentiment":"neutral","sentiment_score":0.05624954402446747},{"text":"Got it.","start":463.62,"end":464.36002,"sentiment":"neutral","sentiment_score":0.08706876263022423},{"text":"Yep.","start":464.42,"end":464.92,"sentiment":"neutral","sentiment_score":0.06591656804084778},{"text":"Yes.","start":515.57,"end":516.07,"sentiment":"neutral","sentiment_score":0.1517515778541565},{"text":"Well done.","start":565.95,"end":572.86255,"sentiment":"positive","sentiment_score":0.44591403752565384}],"sentiment":"neutral","sentiment_score":0.19141189860446112,"num_words":7,"start":463.22,"end":572.86255},{"sentences":[{"text":"Three days.","start":591.99,"end":592.55,"sentiment":"neutral","sentiment_score":0.03113314881920814},{"text":"I think I had gone under an extension.","start":592.55,"end":595.05,"sentiment":"neutral","sentiment_score":-0.0021618883474729955},{"text":"Yeah.","start":604.07,"end":604.545,"sentiment":"neutral","sentiment_score":0.021781157702207565},{"text":"Six months would be a good good indicator.","start":605.105,"end":608.40497,"sentiment":"neutral","sentiment_score":0.20427559898234904},{"text":"Yeah.","start":612.305,"end":612.70496,"sentiment":"neutral","sentiment_score":0.2947421073913574}],"sentiment":"neutral","sentiment_score":0.09978496239054949,"num_words":20,"start":591.99,"end":612.70496},{"sentences":[{"text":"Just just to have a look at it.","start":612.70496,"end":614.225,"sentiment":"neutral","sentiment_score":0.18924527615308762},{"text":"I said I do a lot of investing on the side, so it'd just be a good good to see where the market's at and what we can potentially move into.","start":614.225,"end":623.55,"sentiment":"neutral","sentiment_score":0.18657716267531918},{"text":"Yep.","start":636.27496,"end":636.77496,"sentiment":"neutral","sentiment_score":0.05330849811434746},{"text":"Yep.","start":641.075,"end":641.575,"sentiment":"neutral","sentiment_score":0.13113954663276672},{"text":"Sweet.","start":662.10004,"end":662.60004,"sentiment":"neutral","sentiment_score":0.14035296440124512}],"sentiment":"neutral","sentiment_score":0.18149179193590367,"num_words":42,"start":612.70496,"end":662.60004},{"sentences":[{"text":"Yeah.","start":663.585,"end":664.085,"sentiment":"neutral","sentiment_score":0.1031709685921669},{"text":"It's pretty easy.","start":671.10504,"end":671.98505,"sentiment":"positive","sentiment_score":0.35954702893892926},{"text":"It's pretty straightforward.","start":671.98505,"end":672.885,"sentiment":"neutral","sentiment_score":0.3123549123605092},{"text":"Couple of good things in there.","start":672.945,"end":674.465,"sentiment":"neutral","sentiment_score":0.15091932068268457},{"text":"Not too sure that I'm still not security in that, but the others are quite Happy?","start":674.465,"end":679.41,"sentiment":"neutral","sentiment_score":-0.05784042086452246}],"sentiment":"neutral","sentiment_score":0.07237744768118036,"num_words":29,"start":663.585,"end":679.41},{"sentences":[{"text":"Thank you very much for that.","start":691.685,"end":693.305,"sentiment":"positive","sentiment_score":0.49900031586488086},{"text":"Me too.","start":699.20496,"end":699.76495,"sentiment":"positive","sentiment_score":0.6200466752052307},{"text":"Thank you very much for the call.","start":699.76495,"end":700.96497,"sentiment":"positive","sentiment_score":0.8640200325420925},{"text":"Appreciate it.","start":700.96497,"end":701.785,"sentiment":"positive","sentiment_score":0.8363178074359894}],"sentiment":"positive","sentiment_score":0.7032277110744926,"num_words":17,"start":691.685,"end":701.785}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? It's Corey speaking.\n\nChannel 0: Hi, Corey. It's Dana from Okey Financial. How are you today?\n\nChannel 1: Oh, not too bad. How are you going?\n\nChannel 0: I'm very well. Thank you. I had you booked in just to run through an update to your portfolio with the statement of advice. Is now still a good time there for you?\n\nChannel 1: What's that? Sorry?\n\nChannel 0: You're right. I had you booked in for an updated statement of advice just to review your portfolio. Is now still a good time?\n\nChannel 1: Yep. Yep. Yep. Just quickly grabbing stuff on that here.\n\nChannel 0: No. You're right. All good. Do you happen to have access to your\n\nChannel 1: I\n\nChannel 0: email,\n\nChannel 1: do.\n\nChannel 0: sir, at\n\nChannel 1: Just\n\nChannel 0: the\n\nChannel 1: on\n\nChannel 0: moment\n\nChannel 1: my\n\nChannel 0: at\n\nChannel 1: phone.\n\nChannel 0: all? Yes. Oh, fantastic. I'm just gonna send you through this document here just so if you can open it and review it. I'll run you through it real quick.\n\nIt\n\nChannel 1: Yep.\n\nChannel 0: was just sort of updating your portfolio, just making some changes there for you just to kinda make things work a little bit harder.\n\nChannel 1: Yep. Yep. I like that. I\n\nChannel 0: Excellent.\n\nChannel 1: like the sound of that.\n\nChannel 0: Fantastic. Before I jump into the call and go to things, Corey, I do have to let you know that we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yeah. That's cool.\n\nChannel 0: Fantastic. And I just need to do security there for you as well just to confirm your full name, your date of birth,\n\nChannel 1: I'll\n\nChannel 0: and\n\nChannel 1: catch\n\nChannel 0: address\n\nChannel 1: you later,\n\nChannel 0: I should\n\nChannel 1: boy.\n\nChannel 0: have on file.\n\nChannel 1: You want me to see if I can send you a discount? I'll be back in a couple of hours. Sorry. I'm just heading out to the shops.\n\nChannel 0: Yeah. You're fine. Not a problem at all. I just need you to confirm your full name, your date of birth, and address there for me as well for security. Sorry.\n\nChannel 1: Address?\n\nChannel 0: Yep.\n\nChannel 1: 448 Little Heating And Erskine.\n\nChannel 0: Beautiful. And it's your full name and date of birth there as\n\nChannel 1: Corey Taylor McLean. 03/23/1999.\n\nChannel 0: well. Legend. Thank you so much for that, Corey. Beautiful. Now has that email popped through to you there at the moment at all?\n\nChannel 1: I'll just have a quick squeeze.\n\nChannel 0: That's okay. If not, I could always just run you through the recommendations and let you have a read through it later. It's completely up to you.\n\nChannel 1: Yeah. That's better. You can\n\nChannel 0: That's better?\n\nChannel 1: always\n\nChannel 0: Perfect.\n\nChannel 1: click the link. Yeah.\n\nChannel 0: Yeah. You're right. That's not a problem at all. Take some time to review it later. Let me know if you do happen to have any questions.\n\nBut this was just sort of having a look at your portfolio. So when we touched base and did your annual review, we sort of noted that some of the investments have been underperforming a little bit there. So I've kinda gone back and rejigged the portfolio just to make sure it is working a bit harder for you, looking at how we can maybe reduce any cost or fees inside of that, and just update the portfolio to remove any underperforming investments there.\n\nChannel 1: Sounds\n\nChannel 0: With\n\nChannel 1: good.\n\nChannel 0: this advice, it is just a bit of an investment, which we are only scoping in superannuation. I've not made any new recommendations around new insurances. We're scoping that in only because with the projection table, your insurances are paid out of super. So we need to factor that in the the projection table there for you. And then with scoping out the advice, we're not providing advice on retirement at the moment.\n\nYou're still too young for that. When you get closer to accessing super, we can look at additional retirement advice. I know you're wanting to retire before the age of 60. However, for superannuation, 60 is the earliest we could access that. So that's kind of the age I've been working on in the back end for you for a goal there.\n\nChannel 1: Perfect.\n\nChannel 0: I'm not making any changes to your estate planning side. I think at the moment, your beneficiaries are all in place and set up to Alice, which is exactly how you wanted that originally. And your personal investment seem to be going quite well as well, and you're doing fantastic with those. So you didn't want any new assistance with regard to those either. Am I still on the right track with all of that so far?\n\nChannel 1: Yeah. I'm I'm I'm good with that stuff. That's just\n\nChannel 0: Yeah.\n\nChannel 1: sitting,\n\nChannel 0: You're\n\nChannel 1: kicking,\n\nChannel 0: doing well.\n\nChannel 1: and sitting and kicking along.\n\nChannel 0: Fantastic. So what I've essentially done with your super is I did go back there, Corey, and have a look at your super fund as well as the others out there. I am recommending we retain HUD 24. It is still a great platform, and, obviously, it has a really good access or a range of investments to choose from for us to be able to alter and maneuver the portfolios. One of the things you did kinda mention to me was that you were lacking a bit of gold and wanted to sort of increase your gold exposure where possible as well.\n\nSo I did have a bit of a look at that for you, and I was able to consider this an... A slight increase. I'm only increasing it by about 2%, because\n\nChannel 1: Yep.\n\nChannel 0: whilst gold is a good growth asset, we don't wanna use all the gold. We wanna essentially have a lot of, diversification, and we use ETFs and managed funds in the other aspect because we also want income production out of your portfolio. We want a combination of growth and income protection... Income production there so that you're getting growth on two levels, and income is great for compounding. It'll be really compounded back into your portfolio for you.\n\nSo what I've essentially done with your portfolio is just to kinda go back and review it. Then along the Australian Equities Managed Fund, that was the one that was underperforming and holding your portfolio back. I'm recommending we remove that completely from your fund to make sure you still have... You're at... Sorry.\n\nYou're at...\n\nChannel 1: Yeah. Sorry. I'm just I'm just clicking on I gotta go to a job now.\n\nChannel 0: Ah, you're right. That's okay. Am I okay to still keep talking?\n\nChannel 1: Yeah. Yeah. I'm just gonna drive\n\nChannel 0: Yep.\n\nChannel 1: and check. That's all.\n\nChannel 0: Beautiful. All good. With that one, we are removing the Australian Bennelong Equity Fund out of there. That one was underperforming, and it's time to remove that investment from your portfolio. So we still wanna keep some Australian exposure in there, so we are still keeping the Raffy 200.\n\nWe are just rebalancing you back to 15% on that one. You've got about 17% there at the moment. And then also including in the beta shares a 200, between those two investments, you're getting a much more diversified range of access to Australian equities. You'll have about 30% invested in Australian equities there, and those two investments together have been cheaper for your super but also have been performing much greater. So it's about more diversification.\n\nOverall, we still wanna reduce risks where we can and also making sure you've got really good exposure, and more diversification is really good.\n\nChannel 1: Beautiful.\n\nChannel 0: We are keeping exposure into the S and P 500 for the American market there. You're a bit overexposed at the moment. You've got 27%. So I'm just rebalancing it back to 24 for you. You've got some cybersecurity, some agriculture, and the bank hybrids in there.\n\nWe are keeping those investments and buying a little bit more. We wanna hold 10% bank hybrids within your portfolio. They are a defensive investment, and, essentially, that's... We we do wanna hold some defensive allocations\n\nChannel 1: I do\n\nChannel 0: during\n\nChannel 1: like\n\nChannel 0: that\n\nChannel 1: I\n\nChannel 0: growth.\n\nChannel 1: do like the agriculture, and I I do like the SSP at the moment.\n\nChannel 0: Fantastic. Good to see. Agriculture has been performing quite well,\n\nChannel 1: Yes.\n\nChannel 0: and it's also an area of additional growth as well. It's... You know, farming has been quite good, and I think moving forward, it's still got a lot of growth to be had for it, which is great. You're in that growth kind of portfolio, which sees 80% growth assets and 20% defensive thereabouts. So keeping 10% in bank hybrids is good for income production, but also for some defensive exposure into banking.\n\nChannel 1: Yep.\n\nChannel 0: Physical gold, you've got about 13% there at the moment. We are just rebalancing you back to 12%. The portfolios normally hold about 10%. So I'm increasing your gold exposure by 2% there to increase it a little bit. We'll see how that goes.\n\nAnd then down the track, if you still wanna keep increasing it, we can look to check... Make and change that down the track for you as well. But gold has been a bit volatile this year. It is still technically down from where it was earlier in the year, Has been a bit up and down, so it is probably a good buying point a good buying point for gold, but we'll just sort of have a smaller increase on that. Yeah.\n\nManage it essentially.\n\nChannel 1: Management. Got it. Yep.\n\nChannel 0: With cybersecurity keeping that in your portfolio, we wanna hold about 7% in your total portfolio. Cybersecurity and this investment with BetaShares is giving you global cyber... Cybersecurity exposure. That is good. We wanna keep that in there.\n\nInfrastructure, we are keeping that within the portfolio as well. We wanna buy a little bit more. So you want about 10% of infrastructure for an alternative asset as well as gold, and you've got about 6% there at the moment. So those are essentially the changes that we are making to the portfolio. When you look at the document and you have a look at page 22, it outlines those changes nice and easily for you.\n\nOne of the things I wanted to kind of look at when making changes to your portfolio is mitigating CGT. So your super fund does a tax return just like you every year. It pays income tax and capital gains tax. So...\n\nChannel 1: Yes.\n\nChannel 0: I know. So with your super fund, I was able to mitigate and make the changes so that there's no CGT consequences for your super. So no capital gains for your super to have to pay, which means your balance is is retained the same. And it... And the newer portfolio has been performing better.\n\nSo the older portfolio from ours such as averaged 8.91%, this newer portfolio is averaging 11.51%. So a little bit better of a return. And it's also cheaper. It's saving you about a $143 in investment fees there as well. So that is a positive cheaper portfolio, a bit more gold in there for you removing underperforming investments, and it's seen a much greater return in the past, which could put you in a better position projected over time as well.\n\nHow does that sound?\n\nChannel 1: Well\n\nChannel 0: Thank you. That is essentially everything I needed. This is a nice easy\n\nChannel 1: done.\n\nChannel 0: one for you. It's just the investment switch there. I have outlined best interest due to the advantages, disadvantages, risks involved. You're welcome to run your eyes over that document, and please let me know if you have any questions. And if you're happy just to take those recommendations, I'll get you sign and return it back, and I'll have it implemented nice and quick there for you.\n\nChannel 1: Three days.\n\nChannel 0: I\n\nChannel 1: I\n\nChannel 0: also...\n\nChannel 1: think I had gone under\n\nChannel 0: Yeah.\n\nChannel 1: an extension.\n\nChannel 0: You have. It's just come back. Yeah. Did you want me to do a bit of a catch up in the next couple of months, maybe in six months to see how things are tracking and see if changes need\n\nChannel 1: Yeah.\n\nChannel 0: to still be made with\n\nChannel 1: Six\n\nChannel 0: you.\n\nChannel 1: months\n\nChannel 0: What was...\n\nChannel 1: would be a good\n\nChannel 0: Yep.\n\nChannel 1: good indicator.\n\nChannel 0: Yep. Beautiful. Make those changes. Excellent.\n\nChannel 1: Yeah. Just just to have a look at it. I said I do a lot of investing on the side, so it'd\n\nChannel 0: Yep.\n\nChannel 1: just be a\n\nChannel 0: Yeah.\n\nChannel 1: good good to see where the market's\n\nChannel 0: Absolutely.\n\nChannel 1: at and what we can potentially move into.\n\nChannel 0: Absolutely. Yeah. Definitely. Not a problem. Well, I will touch base in six months and see how things are cracking with you.\n\nIf you find you need anything earlier, please let me know. In\n\nChannel 1: Yep.\n\nChannel 0: the meantime, I'll get these changes in place, and we'll come back and just review everything.\n\nChannel 1: Yep.\n\nChannel 0: The last thing I'd just like to point out is there's no upfront fees or cost for the advice. This is all part of you being an ongoing client and us seeing your financial advisers. So you do pay an ongoing service fee with us of 1.10 percent currently. So no implementation or upfront fees for the advice. It's all part of our services and what you pay us for, essentially.\n\nChannel 1: Sweet.\n\nChannel 0: Okay. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: I see. Beautiful. Do you have any questions? Is there anything that's come up through any of that? It's pretty easy.\n\nChannel 1: It's pretty easy. It's pretty straightforward. Couple of good things\n\nChannel 0: Yes.\n\nChannel 1: in there. Not too\n\nChannel 0: Beautiful.\n\nChannel 1: sure that I'm still not security in that, but the others are quite\n\nChannel 0: Yeah.\n\nChannel 1: Happy?\n\nChannel 0: Yeah. Beautiful. Beautiful. Well, we'll get this updated for you. I'll touch base and see how things are tracking.\n\nAnd if we need to make more changes, we can absolutely do so down the track there for you. Okay?\n\nChannel 1: Thank you very much for that.\n\nChannel 0: No worries at all. I will let you go because I know you're busy, but I hope you have a lovely afternoon.\n\nChannel 1: Me too. Thank you very much for the call. Appreciate it.\n\nChannel 0: My pleasure, Corey. Talk to you soon. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.79999995,"end":1.1999999,"sentiment":"neutral","sentiment_score":0.01856863498687744},{"text":"It's Corey speaking.","start":1.1999999,"end":2.1,"sentiment":"neutral","sentiment_score":0.0263062280913194}],"sentiment":"neutral","sentiment_score":0.024371829815208912,"channel":1,"num_words":4,"start":0.79999995,"end":2.1},{"sentences":[{"text":"Hi, Corey.","start":2.3999999,"end":3.04,"sentiment":"neutral","sentiment_score":0.16322730481624603},{"text":"It's Dana from Okey Financial.","start":3.04,"end":4.5,"sentiment":"neutral","sentiment_score":0.19731802940368653},{"text":"How are you today?","start":4.64,"end":5.62,"sentiment":"neutral","sentiment_score":0.24432728439569473}],"sentiment":"neutral","sentiment_score":0.20821399038488214,"channel":0,"num_words":11,"start":2.3999999,"end":5.62},{"sentences":[{"text":"Oh, not too bad.","start":5.7599998,"end":6.48,"sentiment":"neutral","sentiment_score":0.25045250356197357},{"text":"How are you going?","start":6.48,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.304598867893219}],"sentiment":"neutral","sentiment_score":0.2775256857275963,"channel":1,"num_words":8,"start":5.7599998,"end":7.3799996},{"sentences":[{"text":"I'm very well.","start":7.52,"end":8.4,"sentiment":"positive","sentiment_score":0.594426174958547},{"text":"Thank you.","start":8.4,"end":8.8,"sentiment":"positive","sentiment_score":0.6829633712768555},{"text":"I had you booked in just to run through an update to your portfolio with the statement of advice.","start":8.8,"end":12.719999,"sentiment":"neutral","sentiment_score":0.21942723660092606},{"text":"Is now still a good time there for you?","start":12.719999,"end":14.9,"sentiment":"neutral","sentiment_score":0.1768876016139984}],"sentiment":"neutral","sentiment_score":0.2700094296173616,"channel":0,"num_words":33,"start":7.52,"end":14.9},{"sentences":[{"text":"What's that?","start":15.225,"end":15.785,"sentiment":"neutral","sentiment_score":0.012010079808533192},{"text":"Sorry?","start":15.785,"end":16.285,"sentiment":"neutral","sentiment_score":0.00703978817909956}],"sentiment":"neutral","sentiment_score":0.010353315932055315,"channel":1,"num_words":3,"start":15.225,"end":16.285},{"sentences":[{"text":"You're right.","start":16.655,"end":17.055,"sentiment":"neutral","sentiment_score":0.07891766726970673},{"text":"I had you booked in for an updated statement of advice just to review your portfolio.","start":17.055,"end":20.755001,"sentiment":"neutral","sentiment_score":0.08865931117907166},{"text":"Is now still a good time?","start":20.895,"end":22.355,"sentiment":"neutral","sentiment_score":0.10380587230126063}],"sentiment":"neutral","sentiment_score":0.09163414780050516,"channel":0,"num_words":24,"start":16.655,"end":22.355},{"sentences":[{"text":"Yep.","start":22.665,"end":23.064999,"sentiment":"neutral","sentiment_score":0.05706236883997917},{"text":"Yep.","start":23.064999,"end":23.225,"sentiment":"neutral","sentiment_score":0.05514705181121826},{"text":"Yep.","start":23.225,"end":23.725,"sentiment":"neutral","sentiment_score":0.07198263704776764},{"text":"Just quickly grabbing stuff on that here.","start":23.945,"end":26.205,"sentiment":"neutral","sentiment_score":0.09367431168045316}],"sentiment":"neutral","sentiment_score":0.08399122394621372,"channel":1,"num_words":10,"start":22.665,"end":26.205},{"sentences":[{"text":"No.","start":26.575,"end":26.895,"sentiment":"neutral","sentiment_score":0.015996722504496574},{"text":"You're 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24.","start":224.78499,"end":227.025,"sentiment":"positive","sentiment_score":0.3518390825816563},{"text":"It is still a great platform, and, obviously, it has a really good access or a range of investments to choose from for us to be able to alter and maneuver the portfolios.","start":227.025,"end":235.8,"sentiment":"positive","sentiment_score":0.48097355708931433},{"text":"One of the things you did kinda mention to me was that you were lacking a bit of gold and wanted to sort of increase your gold exposure where possible as well.","start":236.66,"end":243.495,"sentiment":"neutral","sentiment_score":-0.044113795447628945}],"sentiment":"neutral","sentiment_score":0.2534288889321598,"channel":0,"num_words":103,"start":217.50499,"end":243.495},{"sentences":[{"text":"So I did have a bit of a look at that for you, and I was able to consider this an...","start":243.495,"end":247.975,"sentiment":"neutral","sentiment_score":0.016407866075280168},{"text":"A slight increase.","start":247.975,"end":248.855,"sentiment":"neutral","sentiment_score":-0.021989768370985985},{"text":"I'm only increasing it by about 2%, because","start":248.855,"end":251.815,"sentiment":"neutral","sentiment_score":-0.005795103497803211}],"sentiment":"neutral","sentiment_score":0.007257345452671871,"channel":0,"num_words":32,"start":243.495,"end":251.815},{"sentences":[{"text":"Yep.","start":251.685,"end":252.185,"sentiment":"neutral","sentiment_score":0.014244405552744864}],"sentiment":"neutral","sentiment_score":0.014244405552744864,"channel":1,"num_words":1,"start":251.685,"end":252.185},{"sentences":[{"text":"whilst gold is a good growth asset, we don't wanna use all the gold.","start":251.815,"end":255.255,"sentiment":"neutral","sentiment_score":0.009058737794735603},{"text":"We wanna essentially have a lot of, diversification, and we use ETFs and managed funds in the other aspect because we also want income production out of your portfolio.","start":255.255,"end":265.13,"sentiment":"neutral","sentiment_score":0.11614910410395984},{"text":"We want a combination of growth and income protection...","start":265.27002,"end":267.85,"sentiment":"neutral","sentiment_score":0.11990502311123742},{"text":"Income production there so that you're getting growth on two levels, and income is great for compounding.","start":268.15002,"end":273.55502,"sentiment":"neutral","sentiment_score":0.2648956986034618},{"text":"It'll be really compounded back into your portfolio for you.","start":273.55502,"end":276.855,"sentiment":"neutral","sentiment_score":0.25433979257941247}],"sentiment":"neutral","sentiment_score":0.1471002070657626,"channel":0,"num_words":79,"start":251.815,"end":276.855},{"sentences":[{"text":"So what I've essentially done with your portfolio is just to kinda go back and review it.","start":278.035,"end":282.035,"sentiment":"neutral","sentiment_score":-0.05328650400042534},{"text":"Then along the Australian Equities Managed Fund, that was the one that was underperforming and holding your portfolio back.","start":282.035,"end":287.58,"sentiment":"neutral","sentiment_score":-0.24594278633594513},{"text":"I'm recommending we remove that completely from your fund to make sure you still have...","start":287.58,"end":292.3,"sentiment":"neutral","sentiment_score":-0.2828444371620814},{"text":"You're at...","start":292.3,"end":292.69998,"sentiment":"neutral","sentiment_score":-0.0679207593202591},{"text":"Sorry.","start":292.69998,"end":293.02,"sentiment":"neutral","sentiment_score":-0.09204278141260148}],"sentiment":"neutral","sentiment_score":-0.186098784553232,"channel":0,"num_words":54,"start":278.035,"end":293.02},{"sentences":[{"text":"You're at...","start":293.02,"end":293.75998,"sentiment":"neutral","sentiment_score":-0.06334693729877472}],"sentiment":"neutral","sentiment_score":-0.06334693729877472,"channel":0,"num_words":2,"start":293.02,"end":293.75998},{"sentences":[{"text":"Yeah.","start":294.74,"end":295.06,"sentiment":"neutral","sentiment_score":-0.05119537562131882},{"text":"Sorry.","start":295.06,"end":295.38,"sentiment":"neutral","sentiment_score":-0.07777002453804016},{"text":"I'm just I'm just clicking on I gotta go to a job now.","start":295.38,"end":298.68,"sentiment":"neutral","sentiment_score":-0.07059473601671365}],"sentiment":"neutral","sentiment_score":-0.06977979789177577,"channel":1,"num_words":15,"start":294.74,"end":298.68},{"sentences":[{"text":"Ah, you're right.","start":299.02,"end":299.74,"sentiment":"neutral","sentiment_score":-0.004842031747102737},{"text":"That's okay.","start":299.74,"end":300.56,"sentiment":"neutral","sentiment_score":0.001432129807653837},{"text":"Am I okay to still keep talking?","start":300.81497,"end":302.675,"sentiment":"neutral","sentiment_score":-0.02786723604159696}],"sentiment":"neutral","sentiment_score":-0.017227707326431602,"channel":0,"num_words":12,"start":299.02,"end":302.675},{"sentences":[{"text":"Yeah.","start":303.05502,"end":303.295,"sentiment":"neutral","sentiment_score":-0.006707563064992428},{"text":"Yeah.","start":303.295,"end":303.45502,"sentiment":"neutral","sentiment_score":-0.0027154767885804176},{"text":"I'm just gonna drive","start":303.45502,"end":304.255,"sentiment":"neutral","sentiment_score":0.0005312629509717226}],"sentiment":"neutral","sentiment_score":-0.0012163313416143258,"channel":1,"num_words":6,"start":303.05502,"end":304.255},{"sentences":[{"text":"Yep.","start":304.175,"end":304.675,"sentiment":"neutral","sentiment_score":0.0029567626770585775}],"sentiment":"neutral","sentiment_score":0.0029567626770585775,"channel":0,"num_words":1,"start":304.175,"end":304.675},{"sentences":[{"text":"and check.","start":304.255,"end":304.65503,"sentiment":"neutral","sentiment_score":0.00811849907040596},{"text":"That's all.","start":304.65503,"end":305.475,"sentiment":"neutral","sentiment_score":0.03922912385314703}],"sentiment":"neutral","sentiment_score":0.023673811461776495,"channel":1,"num_words":4,"start":304.255,"end":305.475},{"sentences":[{"text":"Beautiful.","start":305.615,"end":306.115,"sentiment":"positive","sentiment_score":0.5044053792953491},{"text":"All good.","start":306.335,"end":306.995,"sentiment":"positive","sentiment_score":0.4655865579843521},{"text":"With that one, we are removing the Australian Bennelong Equity Fund out of there.","start":307.615,"end":311.53497,"sentiment":"neutral","sentiment_score":-0.05851833415882928},{"text":"That one was underperforming, and it's time to remove that investment from your portfolio.","start":311.53497,"end":315.63498,"sentiment":"neutral","sentiment_score":-0.24120359016316278},{"text":"So we still wanna keep some Australian exposure in there, so we are still keeping the Raffy 200.","start":316.06998,"end":321.37,"sentiment":"neutral","sentiment_score":0.008856142353680398}],"sentiment":"neutral","sentiment_score":-0.05308403842607323,"channel":0,"num_words":49,"start":305.615,"end":321.37},{"sentences":[{"text":"We are just rebalancing you back to 15% on that one.","start":321.83,"end":324.94998,"sentiment":"neutral","sentiment_score":0.03873301636088978},{"text":"You've got about 17% there at the moment.","start":324.94998,"end":327.44998,"sentiment":"neutral","sentiment_score":0.037520840764045715},{"text":"And then also including in the beta shares a 200, between those two investments, you're getting a much more diversified range of access to Australian equities.","start":327.66998,"end":336.82498,"sentiment":"neutral","sentiment_score":0.15069610969378397},{"text":"You'll have about 30% invested in Australian equities there, and those two investments together have been cheaper for your super but also have been performing much greater.","start":337.04498,"end":346.71,"sentiment":"neutral","sentiment_score":0.203737563557095},{"text":"So it's about more diversification.","start":346.77,"end":348.55,"sentiment":"neutral","sentiment_score":0.17402693629264832}],"sentiment":"neutral","sentiment_score":0.143056852670459,"channel":0,"num_words":77,"start":321.83,"end":348.55},{"sentences":[{"text":"Overall, we still wanna reduce risks where we can and also making sure you've got really good exposure, and more diversification is really good.","start":348.93,"end":356.94998,"sentiment":"neutral","sentiment_score":0.24313367841144404}],"sentiment":"neutral","sentiment_score":0.24313367841144404,"channel":0,"num_words":24,"start":348.93,"end":356.94998},{"sentences":[{"text":"Beautiful.","start":357.38998,"end":357.88998,"sentiment":"positive","sentiment_score":0.4790627956390381}],"sentiment":"positive","sentiment_score":0.4790627956390381,"channel":1,"num_words":1,"start":357.38998,"end":357.88998},{"sentences":[{"text":"We are keeping exposure into the S and P 500 for the American market there.","start":357.73502,"end":362.77502,"sentiment":"neutral","sentiment_score":0.17627731561660767},{"text":"You're a bit overexposed at the moment.","start":362.77502,"end":364.61502,"sentiment":"neutral","sentiment_score":-0.05665881790420307},{"text":"You've got 27%.","start":364.61502,"end":365.975,"sentiment":"neutral","sentiment_score":0.020171610017617542},{"text":"So I'm just rebalancing it back to 24 for you.","start":365.975,"end":369.03,"sentiment":"neutral","sentiment_score":0.10655345469713211},{"text":"You've got some cybersecurity, some agriculture, and the bank hybrids in there.","start":370.07,"end":374.23,"sentiment":"neutral","sentiment_score":0.11516619908312957}],"sentiment":"neutral","sentiment_score":0.10118280372215792,"channel":0,"num_words":47,"start":357.73502,"end":374.23},{"sentences":[{"text":"We are keeping those investments and buying a little bit more.","start":374.23,"end":377.53,"sentiment":"neutral","sentiment_score":0.17219813845374368},{"text":"We wanna hold 10% bank hybrids within your portfolio.","start":377.59,"end":380.97,"sentiment":"neutral","sentiment_score":0.13455237530999714},{"text":"They are a defensive investment, and, essentially, that's...","start":381.645,"end":384.685,"sentiment":"neutral","sentiment_score":0.026855488074943423},{"text":"We we do wanna hold some defensive 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like the agriculture, and I I do like the SSP at the moment.","start":388.10498,"end":392.125,"sentiment":"positive","sentiment_score":0.34235561319759916}],"sentiment":"positive","sentiment_score":0.34235561319759916,"channel":1,"num_words":14,"start":388.10498,"end":392.125},{"sentences":[{"text":"Fantastic.","start":392.525,"end":393.025,"sentiment":"positive","sentiment_score":0.7731238603591919},{"text":"Good to see.","start":393.645,"end":394.54498,"sentiment":"positive","sentiment_score":0.7527197996775309},{"text":"Agriculture has been performing quite well,","start":394.685,"end":397.185,"sentiment":"positive","sentiment_score":0.5654730300108591}],"sentiment":"positive","sentiment_score":0.642412143945694,"channel":0,"num_words":10,"start":392.525,"end":397.185},{"sentences":[{"text":"Yes.","start":397.705,"end":398.205,"sentiment":"positive","sentiment_score":0.4346283674240112}],"sentiment":"positive","sentiment_score":0.4346283674240112,"channel":1,"num_words":1,"start":397.705,"end":398.205},{"sentences":[{"text":"and it's also an area of additional growth as well.","start":397.74002,"end":400.38,"sentiment":"positive","sentiment_score":0.3818533033132553},{"text":"It's...","start":400.38,"end":400.86002,"sentiment":"neutral","sentiment_score":0.11387523263692856},{"text":"You know, farming has been quite good, and I think moving forward, it's still got a lot of growth to be had for it, which is great.","start":400.86002,"end":407.28,"sentiment":"positive","sentiment_score":0.40872737268606824},{"text":"You're in that growth kind of portfolio, which sees 80% growth assets and 20% defensive thereabouts.","start":408.06,"end":414.095,"sentiment":"neutral","sentiment_score":0.3211890980601311},{"text":"So keeping 10% in bank hybrids is good for income production, but also for some defensive exposure into banking.","start":414.155,"end":422.01498,"sentiment":"neutral","sentiment_score":0.2264591010385438}],"sentiment":"positive","sentiment_score":0.3343807646162706,"channel":0,"num_words":73,"start":397.74002,"end":422.01498},{"sentences":[{"text":"Yep.","start":422.715,"end":423.215,"sentiment":"neutral","sentiment_score":0.08142133802175522}],"sentiment":"neutral","sentiment_score":0.08142133802175522,"channel":1,"num_words":1,"start":422.715,"end":423.215},{"sentences":[{"text":"Physical gold, you've got about 13% there at the moment.","start":423.36,"end":426.9,"sentiment":"neutral","sentiment_score":0.0917120821774006},{"text":"We are just rebalancing you back to 12%.","start":427.52,"end":430.16,"sentiment":"neutral","sentiment_score":0.12668823637068272},{"text":"The portfolios normally hold about 10%.","start":430.16,"end":432.56,"sentiment":"neutral","sentiment_score":0.07404282068212827},{"text":"So I'm increasing your gold exposure by 2% there to increase it a little bit.","start":432.56,"end":437.085,"sentiment":"neutral","sentiment_score":0.11579738209644953},{"text":"We'll see how that goes.","start":437.16498,"end":438.60498,"sentiment":"neutral","sentiment_score":0.09022615104913712}],"sentiment":"neutral","sentiment_score":0.10370398008010605,"channel":0,"num_words":44,"start":423.36,"end":438.60498},{"sentences":[{"text":"And then down the track, if you still wanna keep increasing it, we can look to check...","start":438.60498,"end":443.005,"sentiment":"neutral","sentiment_score":0.017257762525011513},{"text":"Make and change that down the track for you as well.","start":443.005,"end":445.485,"sentiment":"neutral","sentiment_score":0.05679188363931396},{"text":"But gold has been a bit volatile this year.","start":445.485,"end":448.44498,"sentiment":"neutral","sentiment_score":-0.15677548944950104},{"text":"It is still technically down from where it was earlier in the year, Has been a bit up and down, so it is probably a good buying point a good buying point for gold, but we'll just sort of have a smaller increase on that.","start":448.44498,"end":461.98,"sentiment":"neutral","sentiment_score":-0.05012983414861891},{"text":"Yeah.","start":461.98,"end":462.38,"sentiment":"neutral","sentiment_score":0.02605595625936985}],"sentiment":"neutral","sentiment_score":-0.0328032928014017,"channel":0,"num_words":83,"start":438.60498,"end":462.38},{"sentences":[{"text":"Manage it essentially.","start":462.38,"end":463.52,"sentiment":"neutral","sentiment_score":0.026995232328772545}],"sentiment":"neutral","sentiment_score":0.026995232328772545,"channel":0,"num_words":3,"start":462.38,"end":463.52},{"sentences":[{"text":"Management.","start":463.22,"end":463.62,"sentiment":"neutral","sentiment_score":0.05624954402446747},{"text":"Got it.","start":463.62,"end":464.36002,"sentiment":"neutral","sentiment_score":0.08706876263022423},{"text":"Yep.","start":464.42,"end":464.92,"sentiment":"neutral","sentiment_score":0.06591656804084778}],"sentiment":"neutral","sentiment_score":0.07407590933144093,"channel":1,"num_words":4,"start":463.22,"end":464.92},{"sentences":[{"text":"With cybersecurity keeping that in your portfolio, we wanna hold about 7% in your total portfolio.","start":465.19498,"end":471.53497,"sentiment":"neutral","sentiment_score":0.06796465651132166},{"text":"Cybersecurity and this investment with BetaShares is giving you global cyber...","start":471.59497,"end":475.675,"sentiment":"neutral","sentiment_score":0.09359493512998927},{"text":"Cybersecurity exposure.","start":475.675,"end":477.055,"sentiment":"neutral","sentiment_score":0.04672899655997753},{"text":"That is good.","start":477.115,"end":477.96,"sentiment":"positive","sentiment_score":0.4228353599707286},{"text":"We wanna keep that in there.","start":478.03998,"end":479.58,"sentiment":"neutral","sentiment_score":0.17040572067101797}],"sentiment":"neutral","sentiment_score":0.1184572944123494,"channel":0,"num_words":38,"start":465.19498,"end":479.58},{"sentences":[{"text":"Infrastructure, we are keeping that within the portfolio as well.","start":479.88,"end":482.91998,"sentiment":"neutral","sentiment_score":0.11665110066533088},{"text":"We wanna buy a little bit more.","start":482.91998,"end":484.19998,"sentiment":"neutral","sentiment_score":0.07693800629515733},{"text":"So you want about 10% of infrastructure for an alternative asset as well as gold, and you've got about 6% there at the moment.","start":484.19998,"end":491.69498,"sentiment":"neutral","sentiment_score":0.08058219760035475},{"text":"So those are essentially the changes that we are making to the portfolio.","start":491.69498,"end":496.115,"sentiment":"neutral","sentiment_score":0.10610648330587608},{"text":"When you look at the document and you have a look at page 22, it outlines those changes nice and easily for you.","start":496.41498,"end":502.835,"sentiment":"neutral","sentiment_score":0.2874541593634564}],"sentiment":"neutral","sentiment_score":0.15103739923978973,"channel":0,"num_words":77,"start":479.88,"end":502.835},{"sentences":[{"text":"One of the things I wanted to kind of look at when making changes to your portfolio is mitigating CGT.","start":503.89,"end":509.03,"sentiment":"neutral","sentiment_score":0.09575842767953872},{"text":"So your super fund does a tax return just like you every year.","start":509.25,"end":512.05,"sentiment":"neutral","sentiment_score":0.11736980653726138},{"text":"It pays income tax and capital gains tax.","start":512.05,"end":514.79004,"sentiment":"neutral","sentiment_score":0.05013013677671552},{"text":"So...","start":515.265,"end":515.765,"sentiment":"neutral","sentiment_score":0.029501650482416153}],"sentiment":"neutral","sentiment_score":0.09217901864931696,"channel":0,"num_words":42,"start":503.89,"end":515.765},{"sentences":[{"text":"Yes.","start":515.57,"end":516.07,"sentiment":"neutral","sentiment_score":0.1517515778541565}],"sentiment":"neutral","sentiment_score":0.1517515778541565,"channel":1,"num_words":1,"start":515.57,"end":516.07},{"sentences":[{"text":"I know.","start":516.945,"end":517.685,"sentiment":"neutral","sentiment_score":0.1551181674003601},{"text":"So with your super fund, I was able to mitigate and make the changes so that there's no CGT consequences for your super.","start":517.98505,"end":524.945,"sentiment":"neutral","sentiment_score":0.30526701717273047},{"text":"So no capital gains for your super to have to pay, which means your balance is is retained the same.","start":524.945,"end":530.325,"sentiment":"neutral","sentiment_score":0.20134084038436412},{"text":"And it...","start":531.42004,"end":532.06,"sentiment":"neutral","sentiment_score":0.06463873572647572},{"text":"And the newer portfolio has been performing better.","start":532.06,"end":535.26,"sentiment":"neutral","sentiment_score":0.32529278844594955}],"sentiment":"neutral","sentiment_score":0.25617844211784274,"channel":0,"num_words":55,"start":516.945,"end":535.26},{"sentences":[{"text":"So the older portfolio from ours such as averaged 8.91%, this newer portfolio is averaging 11.51%.","start":535.26,"end":543.5,"sentiment":"positive","sentiment_score":0.34090736135840416},{"text":"So a little bit better of a 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we'll get this updated for you.","start":683.62,"end":685.38,"sentiment":"neutral","sentiment_score":0.24065683782100677},{"text":"I'll touch base and see how things are tracking.","start":685.38,"end":687.265,"sentiment":"neutral","sentiment_score":0.20552473929193285}],"sentiment":"neutral","sentiment_score":0.2256276521243547,"channel":0,"num_words":19,"start":680.18,"end":687.265},{"sentences":[{"text":"And if we need to make more changes, we can absolutely do so down the track there for you.","start":687.265,"end":691.34503,"sentiment":"neutral","sentiment_score":0.29092188101065786},{"text":"Okay?","start":691.34503,"end":691.84503,"sentiment":"neutral","sentiment_score":0.17541047930717468}],"sentiment":"neutral","sentiment_score":0.2851463109254837,"channel":0,"num_words":20,"start":687.265,"end":691.84503},{"sentences":[{"text":"Thank you very much for that.","start":691.685,"end":693.305,"sentiment":"positive","sentiment_score":0.49900031586488086}],"sentiment":"positive","sentiment_score":0.49900031586488086,"channel":1,"num_words":6,"start":691.685,"end":693.305},{"sentences":[{"text":"No worries at all.","start":693.825,"end":695.025,"sentiment":"neutral","sentiment_score":0.3004738539457321},{"text":"I will let you go because I know you're busy, but I hope you have a lovely afternoon.","start":695.025,"end":698.80505,"sentiment":"positive","sentiment_score":0.5370074527131187}],"sentiment":"positive","sentiment_score":0.4940013438463211,"channel":0,"num_words":22,"start":693.825,"end":698.80505},{"sentences":[{"text":"Me too.","start":699.20496,"end":699.76495,"sentiment":"positive","sentiment_score":0.6200466752052307},{"text":"Thank you very much for the call.","start":699.76495,"end":700.96497,"sentiment":"positive","sentiment_score":0.8640200325420925},{"text":"Appreciate it.","start":700.96497,"end":701.785,"sentiment":"positive","sentiment_score":0.8363178074359894}],"sentiment":"positive","sentiment_score":0.814624472097917,"channel":1,"num_words":11,"start":699.20496,"end":701.785},{"sentences":[{"text":"My pleasure, Corey.","start":701.727,"end":702.68695,"sentiment":"positive","sentiment_score":0.7927363514900208},{"text":"Talk to you soon.","start":702.68695,"end":703.48694,"sentiment":"positive","sentiment_score":0.6414055973291397},{"text":"See you later.","start":703.48694,"end":704.30695,"sentiment":"positive","sentiment_score":0.49669429659843445},{"text":"Bye.","start":705.48694,"end":705.98694,"sentiment":"neutral","sentiment_score":-0.11964014917612076}],"sentiment":"positive","sentiment_score":0.574024925855073,"channel":0,"num_words":11,"start":701.727,"end":705.98694}]},"summary":{"result":"success","short":"Representatives from Okey Financial and Corey have discussed portfolio updates and updated statements of advice. They recommend retaining HUD 24 and removing the Australian Bennelong Equity Fund from Corey's portfolio, as well as keeping his gold exposure and reducing risk exposure to reduce risk. The retirement planning process is discussed, along with the importance of mitigating the risks of the portfolio and rebuilding his portfolio. The speaker will provide recommendations in six months and update the portfolio if needed."},"intents":{"segments":[{"text":"It's Corey speaking. Hi, Corey. It's Dana from Okey Financial. How are you today? Oh, not too bad.","start_word":1,"end_word":18,"intents":[{"intent":"Confirm identity","confidence_score":0.0064461464}]},{"text":"I had you booked in just to run through an update to your portfolio with the statement of advice. Is now still a good time there for you? What's that?","start_word":28,"end_word":57,"intents":[{"intent":"Update portfolio","confidence_score":0.32298902}]},{"text":"That's not a problem at all. Take some time to review it later. Let me know if you do happen to have any questions. But this was just sort of having a look at your portfolio.","start_word":418,"end_word":453,"intents":[{"intent":"Review portfolio and discuss retirement advice","confidence_score":0.015941396}]},{"text":"I am recommending we retain HUD 24. It is still a great platform, and, obviously, it has a really good access or a range of investments to choose from for us to be able to alter and maneuver the portfolios.","start_word":794,"end_word":833,"intents":[{"intent":"Recommend hud 24","confidence_score":0.06037657}]},{"text":"So what I've essentially done with your portfolio is just to kinda go back and review it.","start_word":979,"end_word":995,"intents":[{"intent":"Review portfolio","confidence_score":0.23844403}]},{"text":"I'm recommending we remove that completely from your fund to make sure you still have... You're at... Sorry.","start_word":1014,"end_word":1031,"intents":[{"intent":"Remove investment","confidence_score":0.59599507}]},{"text":"We are just rebalancing you back to 15% on that one.","start_word":1121,"end_word":1131,"intents":[{"intent":"Rebalance portfolio","confidence_score":0.061045803}]},{"text":"Overall, we still wanna reduce risks where we can and also making sure you've got really good exposure, and more diversification is really good. Beautiful.","start_word":1198,"end_word":1222,"intents":[{"intent":"Reduce risks","confidence_score":0.30311656}]},{"text":"We are keeping exposure into the S and P 500 for the American market there. You're a bit overexposed at the moment. You've got 27%. So I'm just rebalancing it back to 24 for you. You've got some cybersecurity, some agriculture, and the bank hybrids in there. We are keeping those investments and buying a little bit more. We wanna hold 10% bank hybrids within your portfolio.","start_word":1223,"end_word":1289,"intents":[{"intent":"Maintain exposure","confidence_score":0.4229929}]},{"text":"They are a defensive investment, and, essentially, that's... We we do wanna hold some defensive allocations I do during like that I growth. do like the agriculture, and I I do like the SSP at the moment. Fantastic.","start_word":1291,"end_word":1328,"intents":[{"intent":"Hold allocations","confidence_score":0.79436874}]},{"text":"You're in that growth kind of portfolio, which sees 80% growth assets and 20% defensive thereabouts. So keeping 10% in bank hybrids is good for income production, but also for some defensive exposure into banking. Yep.","start_word":1376,"end_word":1411,"intents":[{"intent":"Maintain portfolio","confidence_score":0.16324353}]},{"text":"Physical gold, you've got about 13% there at the moment. We are just rebalancing you back to 12%.","start_word":1412,"end_word":1429,"intents":[{"intent":"Rebalance portfolio","confidence_score":0.039640073}]},{"text":"Physical gold, you've got about 13% there at the moment. We are just rebalancing you back to 12%. The portfolios normally hold about 10%. So I'm increasing your gold exposure by 2% there to increase it a little bit.","start_word":1412,"end_word":1450,"intents":[{"intent":"Manage gold exposure","confidence_score":0.2907093}]},{"text":"Manage it essentially. Management. Got it.","start_word":1539,"end_word":1544,"intents":[{"intent":"Manage portfolio","confidence_score":0.272185}]},{"text":"With cybersecurity keeping that in your portfolio, we wanna hold about 7% in your total portfolio. Cybersecurity and this investment with BetaShares is giving you global cyber... Cybersecurity exposure. That is good.","start_word":1546,"end_word":1577,"intents":[{"intent":"Hold cybersecurity exposure","confidence_score":0.001261615}]},{"text":"I have outlined best interest due to the advantages, disadvantages, risks involved.","start_word":1868,"end_word":1879,"intents":[{"intent":"Highlight portfolio benefits","confidence_score":0.012548396}]},{"text":"Did you want me to do a bit of a catch up in the next couple of months, maybe in six months to see how things are tracking and see if changes need Yeah.","start_word":1947,"end_word":1980,"intents":[{"intent":"Schedule catch-up","confidence_score":0.0077771703}]},{"text":"good good to see where the market's Absolutely. at and what we can potentially move into. Absolutely. Yeah.","start_word":2031,"end_word":2048,"intents":[{"intent":"Evaluate market position","confidence_score":0.000037246624}]}]},"sentiments":{"segments":[{"text":"Hello? It's Corey speaking. Hi, Corey. It's Dana from Okey Financial. How are you today? Oh, not too bad. How are you going?","start_word":0,"end_word":22,"sentiment":"neutral","sentiment_score":0.18164022266864777},{"text":"I'm very well. Thank you.","start_word":23,"end_word":27,"sentiment":"positive","sentiment_score":0.618579626083374},{"text":"I had you booked in just to run through an update to your portfolio with the statement of advice. Is now still a good time there for you? What's that? Sorry? You're right. I had you booked in for an updated statement of advice just to review your portfolio. Is now still a good time? Yep. Yep. Yep. Just quickly grabbing stuff on that here. No. You're right. All good. Do you happen to have access to your I email, do. sir, at Just the on moment my at phone. all? Yes.","start_word":28,"end_word":119,"sentiment":"neutral","sentiment_score":0.0961187183856964},{"text":"Oh, fantastic.","start_word":120,"end_word":121,"sentiment":"positive","sentiment_score":0.3884600102901459},{"text":"I'm just gonna send you through this document here just so if you can open it and review it. I'll run you through it real quick. It Yep. was just sort of updating your portfolio, just making some changes there for you just to kinda make things work a little bit harder. Yep. Yep. I like that.","start_word":122,"end_word":178,"sentiment":"neutral","sentiment_score":0.16942982375621796},{"text":"I Excellent. like the sound of that. Fantastic.","start_word":179,"end_word":186,"sentiment":"positive","sentiment_score":0.5049725770950317},{"text":"Before I jump into the call and go to things, Corey, I do have to let you know that we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yeah. That's cool.","start_word":187,"end_word":227,"sentiment":"neutral","sentiment_score":0.14471285045146942},{"text":"Fantastic.","start_word":228,"end_word":228,"sentiment":"positive","sentiment_score":0.4729129672050476},{"text":"And I just need to do security there for you as well just to confirm your full name, your date of birth, I'll and catch address you later, I should boy. have on file. You want me to see if I can send you a discount? I'll be back in a couple of hours. Sorry. I'm just heading out to the shops. Yeah. You're fine. Not a problem at all. I just need you to confirm your full name, your date of birth, and address there for me as well for security. Sorry. Address? Yep. 448 Little Heating And Erskine.","start_word":229,"end_word":328,"sentiment":"neutral","sentiment_score":0.09924543630331754},{"text":"Beautiful.","start_word":329,"end_word":329,"sentiment":"positive","sentiment_score":0.6560548543930054},{"text":"And it's your full name and date of birth there as Corey Taylor McLean. 03/23/1999. well.","start_word":330,"end_word":345,"sentiment":"neutral","sentiment_score":0.10608901083469392},{"text":"Legend. Thank you so much for that, Corey. Beautiful.","start_word":346,"end_word":354,"sentiment":"positive","sentiment_score":0.6875352263450623},{"text":"Now has that email popped through to you there at the moment at all? I'll just have a quick squeeze. That's okay. If not, I could always just run you through the recommendations and let you have a read through it later. It's completely up to you. Yeah. That's better. You can That's better? always Perfect. click the link. Yeah. Yeah. You're right. That's not a problem at all. Take some time to review it later. Let me know if you do happen to have any questions. But this was just sort of having a look at your portfolio. So when we touched base and did your annual review, we sort of noted that some of the investments have been underperforming a little bit there. So I've kinda gone back and rejigged the portfolio just to make sure it is working a bit harder for you, looking at how we can maybe reduce any cost or fees inside of that, and just update the portfolio to remove any underperforming investments there. Sounds With good. this advice, it is just a bit of an investment, which we are only scoping in superannuation. I've not made any new recommendations around new insurances. We're scoping that in only because with the projection table, your insurances are paid out of super. So we need to factor that in the the projection table there for you. And then with scoping out the advice, we're not providing advice on retirement at the moment. You're still too young for that. When you get closer to accessing super, we can look at additional retirement advice. I know you're wanting to retire before the age of 60. However, for superannuation, 60 is the earliest we could access that. So that's kind of the age I've been working on in the back end for you for a goal there.","start_word":355,"end_word":663,"sentiment":"neutral","sentiment_score":0.03283257286959482},{"text":"Perfect.","start_word":664,"end_word":664,"sentiment":"positive","sentiment_score":0.5054692625999451},{"text":"I'm not making any changes to your estate planning side. I think at the moment, your beneficiaries are all in place and set up to Alice, which is exactly how you wanted that originally.","start_word":665,"end_word":698,"sentiment":"neutral","sentiment_score":0.08902908861637115},{"text":"And your personal investment seem to be going quite well as well, and you're doing fantastic with those.","start_word":699,"end_word":716,"sentiment":"positive","sentiment_score":0.7058019638061523},{"text":"So you didn't want any new assistance with regard to those either. Am I still on the right track with all of that so far? Yeah.","start_word":717,"end_word":742,"sentiment":"neutral","sentiment_score":0.013394246809184551},{"text":"I'm I'm I'm good with that stuff.","start_word":743,"end_word":749,"sentiment":"positive","sentiment_score":0.3669878542423248},{"text":"That's just Yeah.","start_word":750,"end_word":752,"sentiment":"neutral","sentiment_score":0.2364482283592224},{"text":"sitting, You're kicking, doing well. and sitting and kicking along. Fantastic.","start_word":753,"end_word":763,"sentiment":"positive","sentiment_score":0.45138072967529297},{"text":"So what I've essentially done with your super is I did go back there, Corey, and have a look at your super fund as well as the others out there.","start_word":764,"end_word":793,"sentiment":"neutral","sentiment_score":0.2797158360481262},{"text":"I am recommending we retain HUD 24. It is still a great platform, and, obviously, it has a really good access or a range of investments to choose from for us to be able to alter and maneuver the portfolios.","start_word":794,"end_word":833,"sentiment":"positive","sentiment_score":0.454938143491745},{"text":"One of the things you did kinda mention to me was that you were lacking a bit of gold and wanted to sort of increase your gold exposure where possible as well. So I did have a bit of a look at that for you, and I was able to consider this an... A slight increase. I'm only increasing it by about 2%, because Yep. whilst gold is a good growth asset, we don't wanna use all the gold. We wanna essentially have a lot of, diversification, and we use ETFs and managed funds in the other aspect because we also want income production out of your portfolio. We want a combination of growth and income protection... Income production there so that you're getting growth on two levels, and income is great for compounding. It'll be really compounded back into your portfolio for you. So what I've essentially done with your portfolio is just to kinda go back and review it. Then along the Australian Equities Managed Fund, that was the one that was underperforming and holding your portfolio back. I'm recommending we remove that completely from your fund to make sure you still have... You're at... Sorry. You're at... Yeah. Sorry. I'm just I'm just clicking on I gotta go to a job now. Ah, you're right. That's okay. Am I okay to still keep talking? Yeah. Yeah. I'm just gonna drive Yep. and check. That's all.","start_word":834,"end_word":1071,"sentiment":"neutral","sentiment_score":0.005504048922482659},{"text":"Beautiful. All good.","start_word":1072,"end_word":1074,"sentiment":"positive","sentiment_score":0.4646037220954895},{"text":"With that one, we are removing the Australian Bennelong Equity Fund out of there. That one was underperforming, and it's time to remove that investment from your portfolio. So we still wanna keep some Australian exposure in there, so we are still keeping the Raffy 200. We are just rebalancing you back to 15% on that one. You've got about 17% there at the moment. And then also including in the beta shares a 200, between those two investments, you're getting a much more diversified range of access to Australian equities. You'll have about 30% invested in Australian equities there, and those two investments together have been cheaper for your super but also have been performing much greater. So it's about more diversification. Overall, we still wanna reduce risks where we can and also making sure you've got really good exposure, and more diversification is really good.","start_word":1075,"end_word":1221,"sentiment":"neutral","sentiment_score":0.0839347243309021},{"text":"Beautiful.","start_word":1222,"end_word":1222,"sentiment":"positive","sentiment_score":0.4790627956390381},{"text":"We are keeping exposure into the S and P 500 for the American market there. You're a bit overexposed at the moment. You've got 27%. So I'm just rebalancing it back to 24 for you. You've got some cybersecurity, some agriculture, and the bank hybrids in there. We are keeping those investments and buying a little bit more. We wanna hold 10% bank hybrids within your portfolio. They are a defensive investment, and, essentially, that's... We we do wanna hold some defensive allocations I do during like that I growth.","start_word":1223,"end_word":1312,"sentiment":"neutral","sentiment_score":0.08811174279285802},{"text":"do like the agriculture, and I I do like the SSP at the moment. Fantastic. Good to see. Agriculture has been performing quite well, Yes. and it's also an area of additional growth as well. It's... You know, farming has been quite good, and I think moving forward, it's still got a lot of growth to be had for it, which is great.","start_word":1313,"end_word":1375,"sentiment":"positive","sentiment_score":0.41183963418006897},{"text":"You're in that growth kind of portfolio, which sees 80% growth assets and 20% defensive thereabouts. So keeping 10% in bank hybrids is good for income production, but also for some defensive exposure into banking. Yep. Physical gold, you've got about 13% there at the moment. We are just rebalancing you back to 12%. The portfolios normally hold about 10%. So I'm increasing your gold exposure by 2% there to increase it a little bit. We'll see how that goes. And then down the track, if you still wanna keep increasing it, we can look to check... Make and change that down the track for you as well. But gold has been a bit volatile this year. It is still technically down from where it was earlier in the year, Has been a bit up and down, so it is probably a good buying point a good buying point for gold, but we'll just sort of have a smaller increase on that. Yeah. Manage it essentially. Management. Got it. Yep. With cybersecurity keeping that in your portfolio, we wanna hold about 7% in your total portfolio. Cybersecurity and this investment with BetaShares is giving you global cyber... Cybersecurity exposure.","start_word":1376,"end_word":1574,"sentiment":"neutral","sentiment_score":0.07461471110582352},{"text":"That is good.","start_word":1575,"end_word":1577,"sentiment":"positive","sentiment_score":0.3992545008659363},{"text":"We wanna keep that in there. Infrastructure, we are keeping that within the portfolio as well. We wanna buy a little bit more. So you want about 10% of infrastructure for an alternative asset as well as gold, and you've got about 6% there at the moment. So those are essentially the changes that we are making to the portfolio. When you look at the document and you have a look at page 22, it outlines those changes nice and easily for you. One of the things I wanted to kind of look at when making changes to your portfolio is mitigating CGT. So your super fund does a tax return just like you every year. It pays income tax and capital gains tax. So... Yes. I know. So with your super fund, I was able to mitigate and make the changes so that there's no CGT consequences for your super. So no capital gains for your super to have to pay, which means your balance is is retained the same. And it... And the newer portfolio has been performing better.","start_word":1578,"end_word":1758,"sentiment":"neutral","sentiment_score":0.16773144324510797},{"text":"So the older portfolio from ours such as averaged 8.91%, this newer portfolio is averaging 11.51%. So a little bit better of a return. And it's also cheaper. It's saving you about a $143 in investment fees there as well. So that is a positive cheaper portfolio, a bit more gold in there for you removing underperforming investments, and it's seen a much greater return in the past, which could put you in a better position projected over time as well.","start_word":1759,"end_word":1839,"sentiment":"positive","sentiment_score":0.510084867477417},{"text":"How does that sound?","start_word":1840,"end_word":1843,"sentiment":"neutral","sentiment_score":0.17713722586631775},{"text":"Well Thank you. That is essentially everything I needed. This is a nice easy done. one for you.","start_word":1844,"end_word":1861,"sentiment":"positive","sentiment_score":0.5294233560562134},{"text":"It's just the investment switch there. I have outlined best interest due to the advantages, disadvantages, risks involved.","start_word":1862,"end_word":1879,"sentiment":"neutral","sentiment_score":0.22460879385471344},{"text":"You're welcome to run your eyes over that document, and please let me know if you have any questions. And if you're happy just to take those recommendations, I'll get you sign and return it back, and I'll have it implemented nice and quick there for you.","start_word":1880,"end_word":1926,"sentiment":"positive","sentiment_score":0.4394220113754273},{"text":"Three days. I I also... think I had gone under Yeah. an extension. You have. It's just come back. Yeah. Did you want me to do a bit of a catch up in the next couple of months, maybe in six months to see how things are tracking and see if changes need Yeah. to still be made with Six you. months What was... would be a good Yep. good indicator. Yep.","start_word":1927,"end_word":1998,"sentiment":"neutral","sentiment_score":0.06238742467636863},{"text":"Beautiful. Make those changes. Excellent.","start_word":1999,"end_word":2003,"sentiment":"positive","sentiment_score":0.6358131170272827},{"text":"Yeah. Just just to have a look at it. I said I do a lot of investing on the side, so it'd Yep. just be a Yeah.","start_word":2004,"end_word":2030,"sentiment":"neutral","sentiment_score":0.1367461383342743},{"text":"good good to see where the market's Absolutely.","start_word":2031,"end_word":2038,"sentiment":"positive","sentiment_score":0.34155988693237305},{"text":"at and what we can potentially move into. Absolutely. Yeah. Definitely. Not a problem. Well, I will touch base in six months and see how things are cracking with you. If you find you need anything earlier, please let me know. In the Yep. meantime, I'll get these changes in place, and we'll come back and just review everything. Yep. The last thing I'd just like to point out is there's no upfront fees or cost for the advice. This is all part of you being an ongoing client and us seeing your financial advisers. So you do pay an ongoing service fee with us of 1.10 percent currently. So no implementation or upfront fees for the advice. It's all part of our services and what you pay us for, essentially. Sweet. Okay. Yeah. Yeah. I see. Beautiful. Do you have any questions? Is there anything that's come up through any of that? It's pretty easy.","start_word":2039,"end_word":2194,"sentiment":"neutral","sentiment_score":0.11667468398809432},{"text":"It's pretty easy.","start_word":2195,"end_word":2197,"sentiment":"positive","sentiment_score":0.34877556562423706},{"text":"It's pretty straightforward. Couple of good things Yes. in there. Not too Beautiful. sure that I'm still not security in that, but the others are quite Yeah. Happy? Yeah. Beautiful.","start_word":2198,"end_word":2227,"sentiment":"neutral","sentiment_score":0.062264490872621536},{"text":"Beautiful.","start_word":2228,"end_word":2228,"sentiment":"positive","sentiment_score":0.33727240562438965},{"text":"Well, we'll get this updated for you. I'll touch base and see how things are tracking. And if we need to make more changes, we can absolutely do so down the track there for you. Okay?","start_word":2229,"end_word":2264,"sentiment":"neutral","sentiment_score":0.25006023049354553},{"text":"Thank you very much for that.","start_word":2265,"end_word":2270,"sentiment":"positive","sentiment_score":0.5491698980331421},{"text":"No worries at all.","start_word":2271,"end_word":2274,"sentiment":"neutral","sentiment_score":0.3172132074832916},{"text":"I will let you go because I know you're busy, but I hope you have a lovely afternoon. Me too. Thank you very much for the call. Appreciate it. My pleasure, Corey. Talk to you soon. See you later.","start_word":2275,"end_word":2313,"sentiment":"positive","sentiment_score":0.6401700377464294},{"text":"Bye.","start_word":2314,"end_word":2314,"sentiment":"neutral","sentiment_score":0.27654626965522766}],"average":{"sentiment":"neutral","sentiment_score":0.15767312376258555}}}}