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I've got a bit of a updated portfolio and super advice to quickly run through with you. I'm gonna pop it through to your email. Will you be able to look onto the document with me, or should I just kinda walk you through it? Cool. And just while I'm doing that, are you okay for the call to be recorded? Cool. And just for the security of your info, so I'm registered with Asik as adviser one 273105. Can I just get your date of birth and address? Sensational now. I'll pop that through to you now to the Gmail address. And you have used the new system before, so it should come through pretty instantly. I don't believe it'll go through to your spam box or anything like that. Should only take twenty seconds or so. So with this system, if you hit that purple sign button, it doesn't do anything. It just brings open the documents to peruse with me. And then if you're happy with them, you can hit a a sign at the end. Now there's six attach sorry. Five attachments. The main one that comes up first should be the statement of advice with, like, a Gold Coast beachfront city picture on it. Yep. The only thing attached with it is basically an appendix with some extra research and a couple of product update documents from Hub. They've updated their product disclosure documents, investment menus, and everything. So I've just attached those there for your records. Cool. Now if you have a swing through to pages three and four for me, you should see a scope of advice heading in blue, and it's just basically talking about what is being factored into this updated strategy and what's not being advised on today. So main thing we were doing was just updating the portfolio for the super. If you recall, we kind of flagged the Benelon option as underperforming, so I've just been getting an active replacement option for that one. Does that ring a bell? Beautiful. And the only thing that I flagged just in case is that in terms of, like, wills, power of attorney, beneficiary nominations, I don't believe you had a power of attorney set up, so I just put a bit of a reminder in for that one. Cool. In the next page, what's not in this document is just in terms of the insurances. We basically went through them. We were gonna maybe have a chat in six months' time. You were comfortable with how they were at the moment, and we were talking about self managed super funds down the line as well. We're not giving you any investment advice. No cash flow or debt management advice because, obviously, you've got the ATO debt that you're working through, and you've got, like, the ETFs and things like that. But if at any point you want any advice on those areas, we can kind of tee that in down the line as well. Cool. Just while I've got you there, so one of the things that we did talk about and I didn't end up sending through at the time, just because we had a broker that was away at the time, was a bit of an idea for the ATO tax debt that there may be strategies where you can kind of maybe get a bit of, like, a lower rate loan to cover it and a few things. Yeah. So you just got a bit of a payment plan, and it's I guess, the amount's okay? Cool. Yeah. Yeah. The banks are a bit rough these days, especially in comparison to those. So there's not many options, but I just wanted to quickly double check with you if that was under control. Awesome. On the pages seven and eight, we just got the about you section. And, again, email and phone numbers there. Field services IT, $110. And we had your your home listed, the ETFs, some savings in the car, and the ATO tax debt. So just making sure there's no major changes there. Sensational. If you go past that, nine 10 have your risk profile. Again, we're not changing risk level. It is high growth. We were just engine tuning the portfolio more than anything, if that rings a bell. Cool. Go to eleven for me if you can, please. You should see a strategy recommendations heading. Cool. Now this big wall of text here, just to summarize it for you, what we're doing is we're not looking to change super funds at the moment. We've just been fixing up the investments. Why this is in your best interest is essentially replace an underperforming asset with an overperforming asset, reduce the fee, improve the performance. We factored in a ten year projection just to see if that'll leave you in a better position. I'm obviously not projecting out to retirement. There's just too many variables to project out twenty, thirty years, if that makes sense. Cool. Next page is a big table with advantages and disadvantages. And the main thing I wanna point out here is that we're also doing a rebalance. So when some of your investments go up and some of them go down, we're bringing them all back to the main portfolio waiting. So if this was supposed to be 77%, one had gone up to nine, one had gone down to six, we're just bringing them back to that mid level. So we call that a rebalance on top of the investment switch. Any type of super portfolio, because we're using ETFs, as you know, there's brokerage fees, and that gets factored into the projections as well. On top of that, Hub's great with aggregated trading, where if someone's buying what you're selling or selling what you're buying, they can just trade the parcels without charging brokerage fees, and that can reduce it anywhere from zero to 80% I've seen in the past as well. So most investment options you can want, brokerage minimization is great. And, again, I'll factor that into the fees. So if you can go to page 14 for me, these are just the last three sorry, four tables here that kind of give you the figures. Yep. Now what I wanna show you here is there's a fee comparison table. It should say current recommended in difference there. Now there's no difference there. Now there's no at the top right, the difference says $0 there. There's no net capital gains tax to pay inside the super from rebalancing or switching the investments, which is great. We do have a two percent performance difference over five years at the bottom. So it brings you back from sort of nine and a half up to 11 and a half, which is kind of where you wanna be at high growth. You wanna be double digits. So just doing a little rebalancing that one option switched out, it should help the super by about 20 to $60 over the next five to ten years, but that's just based on, you know, past performance. If anything changes and increases, that'll just expand further and further. Cool. Performance tables on the next page, and I've just shown you there the one, three, five, and ten years. The main thing I wanna point out here is that while the current portfolio is doing double digits over three and ten years, it's not over one and five. I just wanna get you that consistency across periods just to make sure you've got the biggest chance of hitting double digits at any time period and any economic period as well. Last two is the investments table red heading, blue table after that, and it just kind of shows you what I'm thinking of switching around. Target weight is the second last column. You should see the round percentage figures in that one where it's got 7%, the zero, the seven, the seven. Basically, what we're doing is that second one, Bennelong, that's being sold out of. Everything else is being slightly rebalanced back to the original weightings. And at the bottom, Alfiniti is your replacement option for Benelon. And the main difference there is it goes from a 1% fee to a 0.9, and it has been outperforming the Aussie market over one, three, five, and ten years. So you go from, again, someone who's been underperforming consistently to someone who's been overperforming on every time period. Everything else looked great, honestly. The gold option's been doing fantastic. You've got even some of the Asian shares, battery tech and lithium. The old electric vehicles has been soaring up really well. So I think everything inside the portfolio looks good except for that one. And, again, switch that out, bring it back to normal, and I think you should be pretty sweet going forward. Yeah. Even the cybersecurity, which was lagging for a while with all the AI issues going on, they've now increased too. So everything has gone back up into you know, most of them have been hitting double digits too. So that's what I'm thinking. There's a cash account there that has to has to be 1.25% minimum for Hub just to maintain transactions. And one sec. So $1.75, that doesn't include the cash of 2,000. So that should be about $1.77, $1.78 at the moment. That's just when we put the research together a couple of weeks ago. I'll hop in the hub and give you an updated balance for today. Bear with me for two secs. Yeah. It's floating between $1.76, $1.77. You got the unit prices updated, I think, 3PM. Cool. Last one for you is if you just keep going down, you'll see the asset allocation chart there. And that just basically goes over again, making sure we're above 90% in growth assets. The middle row in gray, 90% is the target. You're sitting at 92. You'll basically still be around 92. We're not doing any major drastic switches. We're not completely overhauling an asset class. We're just tuning them up again. Cool. And that's pretty much it. The last pages go through power of attorney and why you should have one of those. We've also just reiterated our advice service fees at the back there. And in terms of implementation, if you're happy with this, basically, just give the authority to proceed a sign at the bottom, and there's a a multiline actually, if you can go to page 25 for me, I'll just show you the multiline for a second. So where it's got the signatures there, it's got two paragraphs above it. The first one is basically saying, I'm happy to go ahead with all of the recommendations. The second one is if you wanna make any variations to the advice. And if you're happy with what I've come up with, just put an NA in that multiline box just below it. Cool. If it does that old spinning circle, it'll probably say you'll get a signed copy for your records. I think there's usually a button to download them as well. I'll hop on here and have a look. And I don't believe there's anything else to sign, but you should you might have to skip through to next document, next document, next document to skip through those other four, and then it will have a validate button at the end. That's alright. Outside of that, mate, any questions on the server so far? Cool. And outside of that, I was gonna pencil in to catch up with you before Christmas just to review the insurances. Do you want me to still put that in to to catch up with you around that sort of November period or just wait for the annual review? What would be your preference? Yep. Easy done. So I'll put in there for the twelve month contact. If anything pops up in between any major changes again, just a quick call through to reception there. They'll get you booked in with me, and we can update whatever we need to. Cool. Alrighty, man. You have a fantastic week. I'm just gonna double check that this has come through okay. Again yeah. The old spinning circle can sometimes take up to a couple of minutes there, especially with how bulky those other documents are. Sometimes it says it's quite large as a data pack. Yep. That's come through. Amazing. Thank you so much for that, mate. The other thing too, just to sort of cap off with, was the Hub 24 login. Did you need any extra resetting of that one, or do you think you can get into that okay? Yeah. Cool. Most of that is just the old, like, forgot password reset tends to do it as well, but any trouble, just give us a buzz. Yeah. Awesome, Steve, mate. Thank you so much for your time today. I will touch base again soon, and have a fantastic week. No worries at all. Anytime, mate. See you later. 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day, Steven. Tommy here, senior adviser from. How you been? Yeah. Living the dream.\n\nIt's a beautiful week on the Gold Coast so far. What about your end? Good to hear. Good to hear. I've got a bit of a updated portfolio and super advice to quickly run through with you.\n\nI'm gonna pop it through to your email. Will you be able to look onto the document with me, or should I just kinda walk you through it? Cool. And just while I'm doing that, are you okay for the call to be recorded? Cool.\n\nAnd just for the security of your info, so I'm registered with Asik as adviser one 273105. Can I just get your date of birth and address? Sensational now. I'll pop that through to you now to the Gmail address. And you have used the new system before, so it should come through pretty instantly.\n\nI don't believe it'll go through to your spam box or anything like that. Should only take twenty seconds or so. So with this system, if you hit that purple sign button, it doesn't do anything. It just brings open the documents to peruse with me. And then if you're happy with them, you can hit a a sign at the end.\n\nNow there's six attach sorry. Five attachments. The main one that comes up first should be the statement of advice with, like, a Gold Coast beachfront city picture on it. Yep. The only thing attached with it is basically an appendix with some extra research and a couple of product update documents from Hub.\n\nThey've updated their product disclosure documents, investment menus, and everything. So I've just attached those there for your records. Cool. Now if you have a swing through to pages three and four for me, you should see a scope of advice heading in blue, and it's just basically talking about what is being factored into this updated strategy and what's not being advised on today. So main thing we were doing was just updating the portfolio for the super.\n\nIf you recall, we kind of flagged the Benelon option as underperforming, so I've just been getting an active replacement option for that one. Does that ring a bell? Beautiful. And the only thing that I flagged just in case is that in terms of, like, wills, power of attorney, beneficiary nominations, I don't believe you had a power of attorney set up, so I just put a bit of a reminder in for that one. Cool.\n\nIn the next page, what's not in this document is just in terms of the insurances. We basically went through them. We were gonna maybe have a chat in six months' time. You were comfortable with how they were at the moment, and we were talking about self managed super funds down the line as well. We're not giving you any investment advice.\n\nNo cash flow or debt management advice because, obviously, you've got the ATO debt that you're working through, and you've got, like, the ETFs and things like that. But if at any point you want any advice on those areas, we can kind of tee that in down the line as well. Cool. Just while I've got you there, so one of the things that we did talk about and I didn't end up sending through at the time, just because we had a broker that was away at the time, was a bit of an idea for the ATO tax debt that there may be strategies where you can kind of maybe get a bit of, like, a lower rate loan to cover it and a few things. Yeah.\n\nSo you just got a bit of a payment plan, and it's I guess, the amount's okay? Cool. Yeah. Yeah. The banks are a bit rough these days, especially in comparison to those.\n\nSo there's not many options, but I just wanted to quickly double check with you if that was under control. Awesome. On the pages seven and eight, we just got the about you section. And, again, email and phone numbers there. Field services IT, $110.\n\nAnd we had your your home listed, the ETFs, some savings in the car, and the ATO tax debt. So just making sure there's no major changes there. Sensational. If you go past that, nine 10 have your risk profile. Again, we're not changing risk level.\n\nIt is high growth. We were just engine tuning the portfolio more than anything, if that rings a bell. Cool. Go to eleven for me if you can, please. You should see a strategy recommendations heading.\n\nCool. Now this big wall of text here, just to summarize it for you, what we're doing is we're not looking to change super funds at the moment. We've just been fixing up the investments. Why this is in your best interest is essentially replace an underperforming asset with an overperforming asset, reduce the fee, improve the performance. We factored in a ten year projection just to see if that'll leave you in a better position.\n\nI'm obviously not projecting out to retirement. There's just too many variables to project out twenty, thirty years, if that makes sense. Cool. Next page is a big table with advantages and disadvantages. And the main thing I wanna point out here is that we're also doing a rebalance.\n\nSo when some of your investments go up and some of them go down, we're bringing them all back to the main portfolio waiting. So if this was supposed to be 77%, one had gone up to nine, one had gone down to six, we're just bringing them back to that mid level. So we call that a rebalance on top of the investment switch. Any type of super portfolio, because we're using ETFs, as you know, there's brokerage fees, and that gets factored into the projections as well. On top of that, Hub's great with aggregated trading, where if someone's buying what you're selling or selling what you're buying, they can just trade the parcels without charging brokerage fees, and that can reduce it anywhere from zero to 80% I've seen in the past as well.\n\nSo most investment options you can want, brokerage minimization is great. And, again, I'll factor that into the fees. So if you can go to page 14 for me, these are just the last three sorry, four tables here that kind of give you the figures. Yep. Now what I wanna show you here is there's a fee comparison table.\n\nIt should say current recommended in difference there. Now there's no difference there. Now there's no at the top right, the difference says $0 there. There's no net capital gains tax to pay inside the super from rebalancing or switching the investments, which is great. We do have a two percent performance difference over five years at the bottom.\n\nSo it brings you back from sort of nine and a half up to 11 and a half, which is kind of where you wanna be at high growth. You wanna be double digits. So just doing a little rebalancing that one option switched out, it should help the super by about 20 to $60 over the next five to ten years, but that's just based on, you know, past performance. If anything changes and increases, that'll just expand further and further. Cool.\n\nPerformance tables on the next page, and I've just shown you there the one, three, five, and ten years. The main thing I wanna point out here is that while the current portfolio is doing double digits over three and ten years, it's not over one and five. I just wanna get you that consistency across periods just to make sure you've got the biggest chance of hitting double digits at any time period and any economic period as well. Last two is the investments table red heading, blue table after that, and it just kind of shows you what I'm thinking of switching around. Target weight is the second last column.\n\nYou should see the round percentage figures in that one where it's got 7%, the zero, the seven, the seven. Basically, what we're doing is that second one, Bennelong, that's being sold out of. Everything else is being slightly rebalanced back to the original weightings. And at the bottom, Alfiniti is your replacement option for Benelon. And the main difference there is it goes from a 1% fee to a 0.9, and it has been outperforming the Aussie market over one, three, five, and ten years.\n\nSo you go from, again, someone who's been underperforming consistently to someone who's been overperforming on every time period. Everything else looked great, honestly. The gold option's been doing fantastic. You've got even some of the Asian shares, battery tech and lithium. The old electric vehicles has been soaring up really well.\n\nSo I think everything inside the portfolio looks good except for that one. And, again, switch that out, bring it back to normal, and I think you should be pretty sweet going forward. Yeah. Even the cybersecurity, which was lagging for a while with all the AI issues going on, they've now increased too. So everything has gone back up into you know, most of them have been hitting double digits too.\n\nSo that's what I'm thinking. There's a cash account there that has to has to be 1.25% minimum for Hub just to maintain transactions. And one sec. So $1.75, that doesn't include the cash of 2,000. So that should be about $1.77, $1.78 at the moment.\n\nThat's just when we put the research together a couple of weeks ago. I'll hop in the hub and give you an updated balance for today. Bear with me for two secs. Yeah. It's floating between $1.76, $1.77.\n\nYou got the unit prices updated, I think, 3PM. Cool. Last one for you is if you just keep going down, you'll see the asset allocation chart there. And that just basically goes over again, making sure we're above 90% in growth assets. The middle row in gray, 90% is the target.\n\nYou're sitting at 92. You'll basically still be around 92. We're not doing any major drastic switches. We're not completely overhauling an asset class. We're just tuning them up again.\n\nCool. And that's pretty much it. The last pages go through power of attorney and why you should have one of those. We've also just reiterated our advice service fees at the back there. And in terms of implementation, if you're happy with this, basically, just give the authority to proceed a sign at the bottom, and there's a a multiline actually, if you can go to page 25 for me, I'll just show you the multiline for a second.\n\nSo where it's got the signatures there, it's got two paragraphs above it. The first one is basically saying, I'm happy to go ahead with all of the recommendations. The second one is if you wanna make any variations to the advice. And if you're happy with what I've come up with, just put an NA in that multiline box just below it. Cool.\n\nIf it does that old spinning circle, it'll probably say you'll get a signed copy for your records. I think there's usually a button to download them as well. I'll hop on here and have a look. And I don't believe there's anything else to sign, but you should you might have to skip through to next document, next document, next document to skip through those other four, and then it will have a validate button at the end. That's alright.\n\nOutside of that, mate, any questions on the server so far? Cool. And outside of that, I was gonna pencil in to catch up with you before Christmas just to review the insurances. Do you want me to still put that in to to catch up with you around that sort of November period or just wait for the annual review? What would be your preference?\n\nYep. Easy done. So I'll put in there for the twelve month contact. If anything pops up in between any major changes again, just a quick call through to reception there. They'll get you booked in with me, and we can update whatever we need to.\n\nCool. Alrighty, man. You have a fantastic week. I'm just gonna double check that this has come through okay. Again yeah.\n\nThe old spinning circle can sometimes take up to a couple of minutes there, especially with how bulky those other documents are. Sometimes it says it's quite large as a data pack. Yep. That's come through. Amazing.\n\nThank you so much for that, mate. The other thing too, just to sort of cap off with, was the Hub 24 login. Did you need any extra resetting of that one, or do you think you can get into that okay? Yeah. Cool.\n\nMost of that is just the old, like, forgot password reset tends to do it as well, but any trouble, just give us a buzz. Yeah. Awesome, Steve, mate. Thank you so much for your time today. I will touch base again soon, and have a fantastic week.\n\nNo worries at all. Anytime, mate. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Good day, Steven.","start":3.6799998,"end":4.4,"sentiment":"positive","sentiment_score":0.3998394012451172},{"text":"Tommy here, senior adviser from.","start":4.4,"end":6.18,"sentiment":"neutral","sentiment_score":0.2232522636651993},{"text":"How you been?","start":6.3199997,"end":7.06,"sentiment":"neutral","sentiment_score":0.17140498260656992},{"text":"Yeah.","start":9.12,"end":9.36,"sentiment":"positive","sentiment_score":0.41268032789230347},{"text":"Living the dream.","start":9.36,"end":10.0,"sentiment":"positive","sentiment_score":0.607066790262858}],"sentiment":"positive","sentiment_score":0.33759167790412903,"num_words":15,"start":3.6799998,"end":10.0},{"sentences":[{"text":"It's a beautiful week on the Gold Coast so far.","start":10.0,"end":11.84,"sentiment":"positive","sentiment_score":0.7646164059638977},{"text":"What about your end?","start":11.84,"end":12.615,"sentiment":"neutral","sentiment_score":0.1918759699910879},{"text":"Good to hear.","start":15.815,"end":16.375,"sentiment":"positive","sentiment_score":0.5924733678499857},{"text":"Good to hear.","start":16.375,"end":17.195,"sentiment":"positive","sentiment_score":0.6141948501269022},{"text":"I've got a bit of a updated portfolio and super advice to quickly run through with you.","start":17.414999,"end":23.035,"sentiment":"positive","sentiment_score":0.516444486730239}],"sentiment":"positive","sentiment_score":0.5625196991337312,"num_words":37,"start":10.0,"end":23.035},{"sentences":[{"text":"I'm gonna pop it through to your email.","start":24.375,"end":26.134998,"sentiment":"neutral","sentiment_score":0.15957813896238804},{"text":"Will you be able to look onto the document with me, or should I just kinda walk you through it?","start":26.134998,"end":29.81,"sentiment":"neutral","sentiment_score":0.14640967696905136},{"text":"Cool.","start":33.55,"end":33.79,"sentiment":"neutral","sentiment_score":0.2084963172674179},{"text":"And just while I'm doing that, are you okay for the call to be recorded?","start":33.79,"end":36.93,"sentiment":"neutral","sentiment_score":0.04830519792934259},{"text":"Cool.","start":38.67,"end":38.989998,"sentiment":"neutral","sentiment_score":0.1931474208831787}],"sentiment":"neutral","sentiment_score":0.11846756351490816,"num_words":45,"start":24.375,"end":38.989998},{"sentences":[{"text":"And just for the security of your info, so I'm registered with Asik as adviser one 273105.","start":38.989998,"end":44.785,"sentiment":"neutral","sentiment_score":0.12738936832722494},{"text":"Can I just get your date of birth and address?","start":44.785,"end":47.205,"sentiment":"neutral","sentiment_score":0.07559631168842315},{"text":"Sensational now.","start":53.985,"end":55.205,"sentiment":"neutral","sentiment_score":0.07443762570619583},{"text":"I'll pop that through to you now to the Gmail address.","start":55.745,"end":59.140003,"sentiment":"neutral","sentiment_score":0.12063574587756937},{"text":"And you have used the new system before, so it should come through pretty instantly.","start":61.440002,"end":65.46,"sentiment":"neutral","sentiment_score":0.2080741435289383}],"sentiment":"neutral","sentiment_score":0.1367011452263052,"num_words":55,"start":38.989998,"end":65.46},{"sentences":[{"text":"I don't believe it'll go through to your spam box or anything like that.","start":66.08,"end":68.72,"sentiment":"neutral","sentiment_score":-0.22547009055103576},{"text":"Should only take twenty seconds or so.","start":68.72,"end":78.425,"sentiment":"neutral","sentiment_score":-0.07798944360443524},{"text":"So with this system, if you hit that purple sign button, it doesn't do anything.","start":78.885,"end":82.725006,"sentiment":"neutral","sentiment_score":-0.09754390170176824},{"text":"It just brings open the documents to peruse with me.","start":82.725006,"end":85.23,"sentiment":"neutral","sentiment_score":-0.011728111840784549},{"text":"And then if you're happy with them, you can hit a a sign at the end.","start":85.310005,"end":88.53001,"sentiment":"neutral","sentiment_score":0.03158206178341061}],"sentiment":"neutral","sentiment_score":-0.07705861336040881,"num_words":62,"start":66.08,"end":88.53001},{"sentences":[{"text":"Now there's six attach sorry.","start":89.79,"end":91.39,"sentiment":"neutral","sentiment_score":-0.023714790493249892},{"text":"Five attachments.","start":91.39,"end":92.130005,"sentiment":"neutral","sentiment_score":-0.031786056235432625},{"text":"The main one that comes up first should be the statement of advice with, like, a Gold Coast beachfront city picture on it.","start":92.590004,"end":99.045,"sentiment":"neutral","sentiment_score":0.022893601704550827},{"text":"Yep.","start":101.905,"end":102.384995,"sentiment":"neutral","sentiment_score":0.027487508952617645},{"text":"The only thing attached with it is basically an appendix with some extra research and a couple of product update documents from Hub.","start":102.384995,"end":109.685,"sentiment":"neutral","sentiment_score":-0.02470163725640463}],"sentiment":"neutral","sentiment_score":-0.003634136549576565,"num_words":54,"start":89.79,"end":109.685},{"sentences":[{"text":"They've updated their product disclosure documents, investment menus, and everything.","start":110.145,"end":114.399994,"sentiment":"neutral","sentiment_score":0.14427249133586884},{"text":"So I've just attached those there for your records.","start":114.399994,"end":116.659996,"sentiment":"neutral","sentiment_score":0.18083472715483773},{"text":"Cool.","start":118.479996,"end":118.72,"sentiment":"positive","sentiment_score":0.5306212306022644},{"text":"Now if you have a swing through to pages three and four for me, you should see a scope of advice heading in blue, and it's just basically talking about what is being factored into this updated strategy and what's not being advised on today.","start":118.72,"end":132.575,"sentiment":"neutral","sentiment_score":0.09002769643233882},{"text":"So main thing we were doing was just updating the portfolio for the super.","start":135.035,"end":139.85501,"sentiment":"neutral","sentiment_score":0.05170513370207378}],"sentiment":"neutral","sentiment_score":0.1060250240460604,"num_words":79,"start":110.145,"end":139.85501},{"sentences":[{"text":"If you recall, we kind of flagged the Benelon option as underperforming, so I've just been getting an active replacement option for that one.","start":140.67,"end":147.62999,"sentiment":"neutral","sentiment_score":-0.05834793497342616},{"text":"Does that ring a bell?","start":147.62999,"end":148.76999,"sentiment":"neutral","sentiment_score":0.018269683793187143},{"text":"Beautiful.","start":150.03,"end":150.53,"sentiment":"positive","sentiment_score":0.6592440605163574},{"text":"And the only thing that I flagged just in case is that in terms of, like, wills, power of attorney, beneficiary nominations, I don't believe you had a power of attorney set up, so I just put a bit of a reminder in for that one.","start":150.91,"end":163.265,"sentiment":"neutral","sentiment_score":-0.02326105736479487},{"text":"Cool.","start":165.16501,"end":165.66501,"sentiment":"positive","sentiment_score":0.3441818356513977}],"sentiment":"neutral","sentiment_score":-0.017864737181936378,"num_words":77,"start":140.67,"end":165.66501},{"sentences":[{"text":"In the next page, what's not in this document is just in terms of the insurances.","start":166.045,"end":170.98999,"sentiment":"neutral","sentiment_score":0.005817560013383627},{"text":"We basically went through them.","start":171.53,"end":173.15,"sentiment":"neutral","sentiment_score":0.015804031491279603},{"text":"We were gonna maybe have a chat in six months' time.","start":173.20999,"end":175.95,"sentiment":"neutral","sentiment_score":0.06466680765151978},{"text":"You were comfortable with how they were at the moment, and we were talking about self managed super funds down the line as well.","start":176.32999,"end":182.43,"sentiment":"neutral","sentiment_score":0.10927985236048698},{"text":"We're not giving you any investment advice.","start":183.76999,"end":185.95,"sentiment":"neutral","sentiment_score":-0.2864733657666615}],"sentiment":"neutral","sentiment_score":0.02382283965273509,"num_words":63,"start":166.045,"end":185.95},{"sentences":[{"text":"No cash flow or debt management advice because, obviously, you've got the ATO debt that you're working through, and you've got, like, the ETFs and things like that.","start":186.945,"end":195.285,"sentiment":"neutral","sentiment_score":-0.1714906511562211},{"text":"But if at any point you want any advice on those areas, we can kind of tee that in down the line as well.","start":195.425,"end":202.73,"sentiment":"neutral","sentiment_score":0.061482320073992014},{"text":"Cool.","start":202.73,"end":203.23,"sentiment":"neutral","sentiment_score":-0.04402053356170654},{"text":"Just while I've got you there, so one of the things that we did talk about and I didn't end up sending through at the time, just because we had a broker that was away at the time, was a bit of an idea for the ATO tax debt that there may be strategies where you can kind of maybe get a bit of, like, a lower rate loan to cover it and a few things.","start":203.45,"end":223.585,"sentiment":"neutral","sentiment_score":0.00009754254470432275},{"text":"Yeah.","start":234.05,"end":234.29001,"sentiment":"neutral","sentiment_score":0.005907831713557243}],"sentiment":"neutral","sentiment_score":-0.025822015531146183,"num_words":130,"start":186.945,"end":234.29001},{"sentences":[{"text":"So you just got a bit of a payment plan, and it's I guess, the amount's okay?","start":234.29001,"end":245.585,"sentiment":"neutral","sentiment_score":0.010770072064855519},{"text":"Cool.","start":245.585,"end":246.085,"sentiment":"neutral","sentiment_score":-0.13601118326187134},{"text":"Yeah.","start":247.10501,"end":247.425,"sentiment":"neutral","sentiment_score":0.006371213123202324},{"text":"Yeah.","start":247.425,"end":247.585,"sentiment":"neutral","sentiment_score":0.0020706048235297203},{"text":"The banks are a bit rough these days, especially in comparison to those.","start":247.585,"end":251.42,"sentiment":"neutral","sentiment_score":-0.10332915817315762}],"sentiment":"neutral","sentiment_score":-0.03902294534738317,"num_words":33,"start":234.29001,"end":251.42},{"sentences":[{"text":"So there's not many options, but I just wanted to quickly double check with you if that was under control.","start":251.42,"end":256.63998,"sentiment":"neutral","sentiment_score":-0.012947364524006844},{"text":"Awesome.","start":259.74,"end":260.24,"sentiment":"positive","sentiment_score":0.6499305367469788},{"text":"On the pages seven and eight, we just got the about you section.","start":261.845,"end":265.125,"sentiment":"neutral","sentiment_score":0.10124065956244102},{"text":"And, again, email and phone numbers there.","start":265.125,"end":267.54498,"sentiment":"neutral","sentiment_score":0.07006420514413289},{"text":"Field services IT, $110.","start":267.60498,"end":270.26498,"sentiment":"neutral","sentiment_score":0.03210182674229145}],"sentiment":"neutral","sentiment_score":0.05168819030125936,"num_words":45,"start":251.42,"end":270.26498},{"sentences":[{"text":"And we had your your home listed, the ETFs, some savings in the car, and the ATO tax debt.","start":271.205,"end":276.96,"sentiment":"neutral","sentiment_score":0.12265432822076898},{"text":"So just making sure there's no major changes there.","start":276.96,"end":279.37997,"sentiment":"neutral","sentiment_score":0.043242104765441686},{"text":"Sensational.","start":281.84,"end":282.34,"sentiment":"neutral","sentiment_score":-0.02210742793977261},{"text":"If you go past that, nine 10 have your risk profile.","start":282.72,"end":285.94,"sentiment":"neutral","sentiment_score":-0.09222655032168735},{"text":"Again, we're not changing risk level.","start":286.47998,"end":288.24,"sentiment":"neutral","sentiment_score":-0.10990655282512307}],"sentiment":"neutral","sentiment_score":0.02225157349248943,"num_words":46,"start":271.205,"end":288.24},{"sentences":[{"text":"It is high growth.","start":288.24,"end":288.58286,"sentiment":"neutral","sentiment_score":-0.08811309468001127},{"text":"We were just engine tuning the portfolio more than anything, if that rings a bell.","start":288.58286,"end":295.255,"sentiment":"neutral","sentiment_score":-0.001215339017411073},{"text":"Cool.","start":295.255,"end":295.755,"sentiment":"neutral","sentiment_score":0.1951945722103119},{"text":"Go to eleven for me if you can, please.","start":296.295,"end":298.21503,"sentiment":"neutral","sentiment_score":0.1129208074675666},{"text":"You should see a strategy recommendations heading.","start":298.21503,"end":300.875,"sentiment":"neutral","sentiment_score":0.10422895529440471}],"sentiment":"neutral","sentiment_score":0.04362227951383425,"num_words":36,"start":288.24,"end":300.875},{"sentences":[{"text":"Cool.","start":309.27,"end":309.75,"sentiment":"neutral","sentiment_score":0.021317534148693085},{"text":"Now this big wall of text here, just to summarize it for you, what we're doing is we're not looking to change super funds at the moment.","start":309.75,"end":316.035,"sentiment":"neutral","sentiment_score":-0.08292058944978097},{"text":"We've just been fixing up the investments.","start":316.115,"end":318.055,"sentiment":"neutral","sentiment_score":-0.14245821322713578},{"text":"Why this is in your best interest is essentially replace an underperforming asset with an overperforming asset, reduce the fee, improve the performance.","start":318.515,"end":327.975,"sentiment":"neutral","sentiment_score":-0.0311743735295275},{"text":"We factored in a ten year projection just to see if that'll leave you in a better position.","start":329.00998,"end":333.27,"sentiment":"neutral","sentiment_score":0.30620306647486156}],"sentiment":"neutral","sentiment_score":0.02078814120767148,"num_words":76,"start":309.27,"end":333.27},{"sentences":[{"text":"I'm obviously not projecting out to retirement.","start":333.40997,"end":335.88998,"sentiment":"neutral","sentiment_score":-0.18810807168483734},{"text":"There's just too many variables to project out twenty, thirty years, if that makes sense.","start":335.88998,"end":339.99,"sentiment":"neutral","sentiment_score":-0.12450125366449356},{"text":"Cool.","start":341.56998,"end":342.015,"sentiment":"neutral","sentiment_score":0.22928345203399655},{"text":"Next page is a big table with advantages and disadvantages.","start":342.49503,"end":345.15503,"sentiment":"neutral","sentiment_score":0.013034013030119241},{"text":"And the main thing I wanna point out here is that we're also doing a rebalance.","start":346.73502,"end":351.71503,"sentiment":"neutral","sentiment_score":0.09527959115803242}],"sentiment":"neutral","sentiment_score":-0.026534250324439942,"num_words":49,"start":333.40997,"end":351.71503},{"sentences":[{"text":"So when some of your investments go up and some of them go down, we're bringing them all back to the main portfolio waiting.","start":352.095,"end":360.5,"sentiment":"neutral","sentiment_score":0.022819616773631424},{"text":"So if this was supposed to be 77%, one had gone up to nine, one had gone down to six, we're just bringing them back to that mid level.","start":360.5,"end":368.44,"sentiment":"neutral","sentiment_score":-0.021302422701284802},{"text":"So we call that a rebalance on top of the investment switch.","start":368.82,"end":369.05334,"sentiment":"neutral","sentiment_score":0.11919556744396687},{"text":"Any type of super portfolio, because we're using ETFs, as you know, there's brokerage fees, and that gets factored into the projections as well.","start":369.05334,"end":385.38,"sentiment":"neutral","sentiment_score":0.14417986944317818},{"text":"On top of that, Hub's great with aggregated trading, where if someone's buying what you're selling or selling what you're buying, they can just trade the parcels without charging brokerage fees, and that can reduce it anywhere from zero to 80% I've seen in the past as well.","start":385.94,"end":402.375,"sentiment":"positive","sentiment_score":0.36448988659928244}],"sentiment":"neutral","sentiment_score":0.16289108596320678,"num_words":137,"start":352.095,"end":402.375},{"sentences":[{"text":"So most investment options you can want, brokerage minimization is great.","start":404.595,"end":409.895,"sentiment":"positive","sentiment_score":0.5427576818249442},{"text":"And, again, I'll factor that into the fees.","start":410.755,"end":412.995,"sentiment":"neutral","sentiment_score":0.2538844048976898},{"text":"So if you can go to page 14 for me, these are just the last three sorry, four tables here that kind of give you the figures.","start":412.995,"end":421.0,"sentiment":"neutral","sentiment_score":0.06128241935813868},{"text":"Yep.","start":423.06,"end":423.56,"sentiment":"neutral","sentiment_score":0.08023339509963989},{"text":"Now what I wanna show you here is there's a fee comparison table.","start":425.22,"end":428.42,"sentiment":"neutral","sentiment_score":0.08402105764700817}],"sentiment":"neutral","sentiment_score":0.1804757034406066,"num_words":60,"start":404.595,"end":428.42},{"sentences":[{"text":"It should say current recommended in difference there.","start":428.42,"end":428.57,"sentiment":"neutral","sentiment_score":0.005336801754310727},{"text":"Now there's no difference there.","start":428.57,"end":432.035,"sentiment":"neutral","sentiment_score":-0.049504908919334414},{"text":"Now there's no at the top right, the difference says $0 there.","start":432.175,"end":436.495,"sentiment":"neutral","sentiment_score":0.0022396636195480824},{"text":"There's no net capital gains tax to pay inside the super from rebalancing or switching the investments, which is great.","start":436.495,"end":443.1,"sentiment":"neutral","sentiment_score":0.24931036345660687},{"text":"We do have a two percent performance difference over five years at the bottom.","start":443.34,"end":448.32,"sentiment":"positive","sentiment_score":0.40986370614596773}],"sentiment":"neutral","sentiment_score":0.17875160996691655,"num_words":59,"start":428.42,"end":448.32},{"sentences":[{"text":"So it brings you back from sort of nine and a half up to 11 and a half, which is kind of where you wanna be at high growth.","start":448.38,"end":454.06,"sentiment":"neutral","sentiment_score":0.2721293357939556},{"text":"You wanna be double digits.","start":454.06,"end":455.235,"sentiment":"neutral","sentiment_score":0.2499902993440628},{"text":"So just doing a little rebalancing that one option switched out, it should help the super by about 20 to $60 over the next five to ten years, but that's just based on, you know, past performance.","start":457.47498,"end":468.055,"sentiment":"neutral","sentiment_score":0.1917120168942052},{"text":"If anything changes and increases, that'll just expand further and further.","start":468.435,"end":472.19,"sentiment":"neutral","sentiment_score":0.0761788258837028},{"text":"Cool.","start":474.97,"end":475.05002,"sentiment":"positive","sentiment_score":0.41988369822502136}],"sentiment":"neutral","sentiment_score":0.2107578029250165,"num_words":83,"start":448.38,"end":475.05002},{"sentences":[{"text":"Performance tables on the next page, and I've just shown you there the one, three, five, and ten years.","start":475.05002,"end":479.71002,"sentiment":"neutral","sentiment_score":0.18791587572348745},{"text":"The main thing I wanna point out here is that while the current portfolio is doing double digits over three and ten years, it's not over one and five.","start":480.01,"end":488.785,"sentiment":"neutral","sentiment_score":0.05824346506390078},{"text":"I just wanna get you that consistency across periods just to make sure you've got the biggest chance of hitting double digits at any time period and any economic period as well.","start":488.92502,"end":498.225,"sentiment":"neutral","sentiment_score":0.22992870025336742},{"text":"Last two is the investments table red heading, blue table after that, and it just kind of shows you what I'm thinking of switching around.","start":500.82,"end":508.76,"sentiment":"neutral","sentiment_score":0.06052199557423592},{"text":"Target weight is the second last column.","start":510.82,"end":513.06,"sentiment":"neutral","sentiment_score":0.044409818947315216}],"sentiment":"neutral","sentiment_score":0.12893838531869864,"num_words":112,"start":475.05002,"end":513.06},{"sentences":[{"text":"You should see the round percentage figures in that one where it's got 7%, the zero, the seven, the seven.","start":513.06,"end":518.145,"sentiment":"neutral","sentiment_score":0.05924667418003082},{"text":"Basically, what we're doing is that second one, Bennelong, that's being sold out of.","start":519.885,"end":524.685,"sentiment":"neutral","sentiment_score":0.026292305971894945},{"text":"Everything else is being slightly rebalanced back to the original weightings.","start":524.685,"end":528.545,"sentiment":"neutral","sentiment_score":0.05957365848801353},{"text":"And at the bottom, Alfiniti is your replacement option for Benelon.","start":528.74,"end":533.31995,"sentiment":"neutral","sentiment_score":0.07372237809679726},{"text":"And the main difference there is it goes from a 1% fee to a 0.9, and it has been outperforming the Aussie market over one, three, five, and ten years.","start":533.77997,"end":543.555,"sentiment":"neutral","sentiment_score":0.0847908379510045}],"sentiment":"neutral","sentiment_score":0.06468613149035116,"num_words":86,"start":513.06,"end":543.555},{"sentences":[{"text":"So you go from, again, someone who's been underperforming consistently to someone who's been overperforming on every time period.","start":543.635,"end":549.815,"sentiment":"neutral","sentiment_score":-0.00216853253445343},{"text":"Everything else looked great, honestly.","start":552.115,"end":553.635,"sentiment":"positive","sentiment_score":0.5462050318717957},{"text":"The gold option's been doing fantastic.","start":553.635,"end":555.415,"sentiment":"positive","sentiment_score":0.7283828457196554},{"text":"You've got even some of the Asian shares, battery tech and lithium.","start":555.555,"end":559.46,"sentiment":"positive","sentiment_score":0.4343867575128873},{"text":"The old electric vehicles has been soaring up really well.","start":560.0,"end":562.64,"sentiment":"positive","sentiment_score":0.5222458332777024}],"sentiment":"positive","sentiment_score":0.3364465295856532,"num_words":52,"start":543.635,"end":562.64},{"sentences":[{"text":"So I think everything inside the portfolio looks good except for that one.","start":562.64,"end":566.56,"sentiment":"positive","sentiment_score":0.4469390259339259},{"text":"And, again, switch that out, bring it back to normal, and I think you should be pretty sweet going forward.","start":566.56,"end":572.375,"sentiment":"positive","sentiment_score":0.6147174745798111},{"text":"Yeah.","start":576.915,"end":577.39496,"sentiment":"neutral","sentiment_score":0.08446221053600311},{"text":"Even the cybersecurity, which was lagging for a while with all the AI issues going on, they've now increased too.","start":577.39496,"end":584.34,"sentiment":"neutral","sentiment_score":-0.06916309408843517},{"text":"So everything has gone back up into you know, most of them have been hitting double digits too.","start":584.58,"end":589.64,"sentiment":"neutral","sentiment_score":0.09692482505407599}],"sentiment":"neutral","sentiment_score":0.257644500117749,"num_words":72,"start":562.64,"end":589.64},{"sentences":[{"text":"So that's what I'm thinking.","start":592.34,"end":593.64,"sentiment":"neutral","sentiment_score":0.09410419911146164},{"text":"There's a cash account there that has to has to be 1.25% minimum for Hub just to maintain transactions.","start":594.10004,"end":600.45496,"sentiment":"neutral","sentiment_score":0.04393819327417173},{"text":"And one sec.","start":601.39496,"end":606.675,"sentiment":"neutral","sentiment_score":0.013719704002141953},{"text":"So $1.75, that doesn't include the cash of 2,000.","start":606.675,"end":609.89496,"sentiment":"neutral","sentiment_score":0.024208331066701148},{"text":"So that should be about $1.77, $1.78 at the moment.","start":610.195,"end":614.09,"sentiment":"neutral","sentiment_score":0.05349960643798113}],"sentiment":"neutral","sentiment_score":0.045638626603328666,"num_words":46,"start":592.34,"end":614.09},{"sentences":[{"text":"That's just when we put the research together a couple of weeks ago.","start":614.09,"end":617.23004,"sentiment":"neutral","sentiment_score":0.04100868120216406},{"text":"I'll hop in the hub and give you an updated balance for today.","start":619.37,"end":622.67004,"sentiment":"neutral","sentiment_score":0.08447583707479331},{"text":"Bear with me for two secs.","start":625.61005,"end":627.555,"sentiment":"neutral","sentiment_score":-0.007810569727250065},{"text":"Yeah.","start":629.29504,"end":629.53503,"sentiment":"neutral","sentiment_score":0.017740756273269653},{"text":"It's floating between $1.76, $1.77.","start":629.53503,"end":632.495,"sentiment":"neutral","sentiment_score":0.027416696399450304}],"sentiment":"neutral","sentiment_score":0.045769988355459645,"num_words":38,"start":614.09,"end":632.495},{"sentences":[{"text":"You got the unit prices updated, I think, 3PM.","start":632.495,"end":635.875,"sentiment":"neutral","sentiment_score":0.07483889907598495},{"text":"Cool.","start":638.495,"end":638.995,"sentiment":"neutral","sentiment_score":0.2506791353225708},{"text":"Last one for you is if you just keep going down, you'll see the asset allocation chart there.","start":639.215,"end":644.52,"sentiment":"neutral","sentiment_score":0.0717574991285801},{"text":"And that just basically goes over again, making sure we're above 90% in growth assets.","start":646.34,"end":651.80005,"sentiment":"neutral","sentiment_score":0.20224579373995463},{"text":"The middle row in gray, 90% is the target.","start":653.38,"end":656.985,"sentiment":"neutral","sentiment_score":0.11849951578511132}],"sentiment":"neutral","sentiment_score":0.1214624376824269,"num_words":52,"start":632.495,"end":656.985},{"sentences":[{"text":"You're sitting at 92.","start":656.985,"end":658.505,"sentiment":"neutral","sentiment_score":0.09999983012676239},{"text":"You'll basically still be around 92.","start":658.505,"end":660.685,"sentiment":"neutral","sentiment_score":0.08840493236978848},{"text":"We're not doing any major drastic switches.","start":661.065,"end":663.485,"sentiment":"neutral","sentiment_score":-0.10143079449023519},{"text":"We're not completely overhauling an asset class.","start":663.705,"end":666.185,"sentiment":"neutral","sentiment_score":-0.03416422940790653},{"text":"We're just tuning them up again.","start":666.185,"end":670.67004,"sentiment":"neutral","sentiment_score":0.17706738288203874}],"sentiment":"neutral","sentiment_score":0.03478893482436737,"num_words":30,"start":656.985,"end":670.67004},{"sentences":[{"text":"Cool.","start":670.97003,"end":671.47003,"sentiment":"positive","sentiment_score":0.5829942226409912},{"text":"And that's pretty much it.","start":671.61005,"end":672.73004,"sentiment":"positive","sentiment_score":0.33713024854660034},{"text":"The last pages go through power of attorney and why you should have one of those.","start":672.73004,"end":676.67004,"sentiment":"neutral","sentiment_score":0.10250913607887924},{"text":"We've also just reiterated our advice service fees at the back there.","start":676.81,"end":680.895,"sentiment":"neutral","sentiment_score":0.14043115389843783},{"text":"And in terms of implementation, if you're happy with this, basically, just give the authority to proceed a sign at the bottom, and there's a a multiline actually, if you can go to page 25 for me, I'll just show you the multiline for a second.","start":681.935,"end":702.6,"sentiment":"neutral","sentiment_score":0.11166458188191704}],"sentiment":"neutral","sentiment_score":0.13413170319981874,"num_words":80,"start":670.97003,"end":702.6},{"sentences":[{"text":"So where it's got the signatures there, it's got two paragraphs above it.","start":703.22,"end":706.74,"sentiment":"neutral","sentiment_score":0.10346259405979744},{"text":"The first one is basically saying, I'm happy to go ahead with all of the recommendations.","start":706.74,"end":710.44,"sentiment":"positive","sentiment_score":0.3565225712954998},{"text":"The second one is if you wanna make any variations to the advice.","start":711.005,"end":714.305,"sentiment":"neutral","sentiment_score":0.13313956100207108},{"text":"And if you're happy with what I've come up with, just put an NA in that multiline box just below it.","start":714.685,"end":720.625,"sentiment":"neutral","sentiment_score":0.1588978770942915},{"text":"Cool.","start":723.805,"end":724.08,"sentiment":"positive","sentiment_score":0.3905709981918335}],"sentiment":"neutral","sentiment_score":0.1954314933391288,"num_words":64,"start":703.22,"end":724.08},{"sentences":[{"text":"If it does that old spinning circle, it'll probably say you'll get a signed copy for your records.","start":733.84,"end":738.065,"sentiment":"neutral","sentiment_score":0.17438967732919586},{"text":"I think there's usually a button to download them as well.","start":738.065,"end":740.485,"sentiment":"neutral","sentiment_score":0.16129727526144547},{"text":"I'll hop on here and have a look.","start":740.865,"end":742.805,"sentiment":"neutral","sentiment_score":0.12660238984972239},{"text":"And I don't believe there's anything else to sign, but you should you might have to skip through to next document, next document, next document to skip through those other four, and then it will have a validate button at the end.","start":743.26495,"end":755.14996,"sentiment":"neutral","sentiment_score":0.04302141257739138},{"text":"That's alright.","start":760.49,"end":761.39,"sentiment":"neutral","sentiment_score":0.06837519258260727}],"sentiment":"neutral","sentiment_score":0.09715744508660318,"num_words":81,"start":733.84,"end":761.39},{"sentences":[{"text":"Outside of that, mate, any questions on the server so far?","start":761.85,"end":764.505,"sentiment":"neutral","sentiment_score":0.02748669015074318},{"text":"Cool.","start":770.265,"end":770.665,"sentiment":"neutral","sentiment_score":0.3000359833240509},{"text":"And outside of that, I was gonna pencil in to catch up with you before Christmas just to review the insurances.","start":770.665,"end":776.205,"sentiment":"neutral","sentiment_score":0.13205931229250772},{"text":"Do you want me to still put that in to to catch up with you around that sort of November period or just wait for the annual review?","start":776.60004,"end":782.94,"sentiment":"neutral","sentiment_score":0.07151512908084053},{"text":"What would be your preference?","start":783.56,"end":784.78,"sentiment":"neutral","sentiment_score":0.036590567976236346}],"sentiment":"neutral","sentiment_score":0.08425775132226673,"num_words":66,"start":761.85,"end":784.78},{"sentences":[{"text":"Yep.","start":788.44,"end":788.94,"sentiment":"neutral","sentiment_score":0.3102918863296509},{"text":"Easy done.","start":789.08,"end":789.98004,"sentiment":"positive","sentiment_score":0.5125528872013092},{"text":"So I'll put in there for the twelve month contact.","start":791.045,"end":794.005,"sentiment":"neutral","sentiment_score":0.1705496020615101},{"text":"If anything pops up in between any major changes again, just a quick call through to reception there.","start":794.005,"end":798.965,"sentiment":"neutral","sentiment_score":0.11033850908279419},{"text":"They'll get you booked in with me, and we can update whatever we need to.","start":798.965,"end":802.265,"sentiment":"neutral","sentiment_score":0.15525448819001517}],"sentiment":"neutral","sentiment_score":0.15990878625408464,"num_words":46,"start":788.44,"end":802.265},{"sentences":[{"text":"Cool.","start":805.125,"end":805.59,"sentiment":"positive","sentiment_score":0.47884488105773926},{"text":"Alrighty, man.","start":805.83,"end":806.39,"sentiment":"positive","sentiment_score":0.6055780649185181},{"text":"You have a fantastic week.","start":806.39,"end":807.75,"sentiment":"positive","sentiment_score":0.7554394483566285},{"text":"I'm just gonna double check that this has come through okay.","start":807.75,"end":810.49005,"sentiment":"neutral","sentiment_score":0.2600527730855075},{"text":"Again yeah.","start":811.19,"end":813.21,"sentiment":"neutral","sentiment_score":-0.03334202989935875}],"sentiment":"positive","sentiment_score":0.39338546175332295,"num_words":21,"start":805.125,"end":813.21},{"sentences":[{"text":"The old spinning circle can sometimes take up to a couple of minutes there, especially with how bulky those other documents are.","start":814.07,"end":820.40497,"sentiment":"neutral","sentiment_score":-0.09612495892427185},{"text":"Sometimes it says it's quite large as a data pack.","start":820.40497,"end":824.02496,"sentiment":"neutral","sentiment_score":-0.15751648917794228},{"text":"Yep.","start":831.52496,"end":831.76495,"sentiment":"neutral","sentiment_score":0.109916552901268},{"text":"That's come through.","start":831.76495,"end":832.68,"sentiment":"neutral","sentiment_score":0.18062629799048105},{"text":"Amazing.","start":835.0,"end":835.32,"sentiment":"positive","sentiment_score":0.6784793138504028}],"sentiment":"neutral","sentiment_score":-0.06377403317271052,"num_words":37,"start":814.07,"end":835.32},{"sentences":[{"text":"Thank you so much for that, mate.","start":835.32,"end":836.77997,"sentiment":"positive","sentiment_score":0.7500976664679391},{"text":"The other thing too, just to sort of cap off with, was the Hub 24 login.","start":837.32,"end":842.54,"sentiment":"neutral","sentiment_score":0.05122601112816483},{"text":"Did you need any extra resetting of that one, or do you think you can get into that okay?","start":842.92,"end":848.055,"sentiment":"neutral","sentiment_score":-0.017270796466618776},{"text":"Yeah.","start":860.51,"end":860.75,"sentiment":"neutral","sentiment_score":0.1678435206413269},{"text":"Cool.","start":860.75,"end":861.07,"sentiment":"positive","sentiment_score":0.3917330503463745}],"sentiment":"neutral","sentiment_score":0.14322116548745809,"num_words":44,"start":835.32,"end":861.07},{"sentences":[{"text":"Most of that is just the old, like, forgot password reset tends to do it as well, but any trouble, just give us a buzz.","start":861.07,"end":866.43,"sentiment":"neutral","sentiment_score":0.07181469082832337},{"text":"Yeah.","start":866.43,"end":866.93,"sentiment":"neutral","sentiment_score":0.17201381921768188},{"text":"Awesome, Steve, mate.","start":869.31,"end":870.19,"sentiment":"positive","sentiment_score":0.8504835764567057},{"text":"Thank you so much for your time today.","start":870.19,"end":871.87,"sentiment":"positive","sentiment_score":0.8967255428433418},{"text":"I will touch base again soon, and have a fantastic week.","start":871.87,"end":875.825,"sentiment":"positive","sentiment_score":0.809859113259749}],"sentiment":"positive","sentiment_score":0.42918930016458035,"num_words":48,"start":861.07,"end":875.825},{"sentences":[{"text":"No worries at all.","start":878.365,"end":879.245,"sentiment":"positive","sentiment_score":0.4094488099217415},{"text":"Anytime, mate.","start":879.245,"end":879.885,"sentiment":"positive","sentiment_score":0.4334412068128586},{"text":"See you later.","start":879.885,"end":880.625,"sentiment":"positive","sentiment_score":0.5542205373446146},{"text":"Bye.","start":881.885,"end":882.385,"sentiment":"neutral","sentiment_score":-0.10217230021953584}],"sentiment":"positive","sentiment_score":0.4065166965126991,"num_words":10,"start":878.365,"end":882.385}]}}]},{"alternatives":[{"transcript":"David speaking. Good. How are you doing? Yeah. Not too bad, mate. Start of the week. Getting there. Okay. Yeah. I should be able to have a look. Just give me a minute. Sure. 4 32nd 9226738 Herb Street, South Brisbane. Okay. Yeah. No. I got it here. There's no attachments. Okay. Yep. Yep. Got that one. Okay. Yep. Got that here. Yep. Yes. Okay. Yeah. Okay. Yep. Alright. No worries. Sounds good. Yeah. That was yeah. I needed that sort of what am I doing now? I'm on a tax plan with the ATO. So, yeah, I needed that way back then, so I can't really use it now. I'll have something for the next year. Yeah. Yeah. It's like $5 interest over the whole lot, which is not too bad. The banks were not that much better. Yeah. Yep. Yeah. That's pretty it's pretty good. It's alright. Yep. No. No changes. Mhmm. Yeah. I think so. Yep. Okay. Yep. Yeah. Of course. Okay. Gotcha. Hold on a second. Yep. Uh-huh. Yep. Uh-huh. Okay. Fair enough. Yeah. Okay. Yep. Okay. Sounds good. Yep. Okay. Yep. Okay. Okay. Sounds good. Yep. Yeah. I think the rest of it was doing pretty good from what we talked about last time. Right. Okay. Mhmm. That's pretty good. Okay. So what's the current value of the portfolio? $1.75? Okay. Yep. Yeah. I haven't logged in to Hub yet. Okay. Cool. Right. Okay. So it's too good. Yep. Yep. Okay. Yeah. Gotcha. Sounds good to me. Mhmm. One second. Yep. Mhmm. Okay. Okay. Let me do that now. I think I found it. It's loading. Okay. Yeah. Yeah. It's just loading. There's not much reception where I am here, so we'll see if it works. No. I think we covered most of it last time and this time, I guess. Just wait for the annual review. There's no rush on that. Yeah. No. Easy as, mate. Sounds good. It still says loading. You probably have to do that when I get home. Yeah. Right. Yeah. I'll keep an eye on it. It's just not it's done it actually now, so you should be able to see it. Cool. Yeah. I don't need it right now. I think you reset it last time. I'm not sure if it'll be invalid yet. I can't remember if I actually changed it, but I'll reach out if I need it and I can't get in. Yeah. Easy. I'm fine with it. Yeah. No worries. You too, man. Thanks for your help. Cheers. Have a good one. 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Good. How are you doing? Yeah. Not too bad, mate.\n\nStart of the week. Getting there. Okay. Yeah. I should be able to have a look.\n\nJust give me a minute. Sure. 4 32nd 9226738 Herb Street, South Brisbane. Okay. Yeah.\n\nNo. I got it here. There's no attachments. Okay. Yep.\n\nYep. Got that one. Okay. Yep. Got that here.\n\nYep. Yes. Okay. Yeah. Okay.\n\nYep. Alright. No worries. Sounds good. Yeah.\n\nThat was yeah. I needed that sort of what am I doing now? I'm on a tax plan with the ATO. So, yeah, I needed that way back then, so I can't really use it now. I'll have something for the next year.\n\nYeah. Yeah. It's like $5 interest over the whole lot, which is not too bad. The banks were not that much better. Yeah.\n\nYep. Yeah. That's pretty it's pretty good. It's alright. Yep.\n\nNo. No changes. Mhmm. Yeah. I think so.\n\nYep. Okay. Yep. Yeah. Of course.\n\nOkay. Gotcha. Hold on a second. Yep. Uh-huh.\n\nYep. Uh-huh. Okay. Fair enough. Yeah.\n\nOkay. Yep. Okay. Sounds good. Yep.\n\nOkay. Yep. Okay. Okay. Sounds good.\n\nYep. Yeah. I think the rest of it was doing pretty good from what we talked about last time. Right. Okay.\n\nMhmm. That's pretty good. Okay. So what's the current value of the portfolio? $1.75?\n\nOkay. Yep. Yeah. I haven't logged in to Hub yet. Okay.\n\nCool. Right. Okay. So it's too good. Yep.\n\nYep. Okay. Yeah. Gotcha. Sounds good to me.\n\nMhmm. One second. Yep. Mhmm. Okay.\n\nOkay. Let me do that now. I think I found it. It's loading. Okay.\n\nYeah. Yeah. It's just loading. There's not much reception where I am here, so we'll see if it works. No.\n\nI think we covered most of it last time and this time, I guess. Just wait for the annual review. There's no rush on that. Yeah. No.\n\nEasy as, mate. Sounds good. It still says loading. You probably have to do that when I get home. Yeah.\n\nRight. Yeah. I'll keep an eye on it. It's just not it's done it actually now, so you should be able to see it. Cool.\n\nYeah. I don't need it right now. I think you reset it last time. I'm not sure if it'll be invalid yet. I can't remember if I actually changed it, but I'll reach out if I need it and I can't get in.\n\nYeah. Easy. I'm fine with it. Yeah. No worries.\n\nYou too, man. Thanks for your help. Cheers. Have a good one. 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better.","start":244.815,"end":246.595,"sentiment":"neutral","sentiment_score":-0.15938830748200417},{"text":"Yeah.","start":249.775,"end":250.275,"sentiment":"neutral","sentiment_score":-0.06173630803823471}],"sentiment":"neutral","sentiment_score":-0.020935188816941303,"num_words":23,"start":237.76001,"end":250.275},{"sentences":[{"text":"Yep.","start":255.63,"end":256.13,"sentiment":"neutral","sentiment_score":0.02731301262974739},{"text":"Yeah.","start":257.07,"end":257.38998,"sentiment":"neutral","sentiment_score":0.3328227698802948},{"text":"That's pretty it's pretty good.","start":257.38998,"end":259.16998,"sentiment":"positive","sentiment_score":0.617586863040924},{"text":"It's 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enough.","start":456.3,"end":457.04,"sentiment":"neutral","sentiment_score":0.22382859140634537},{"text":"Yeah.","start":468.795,"end":469.035,"sentiment":"neutral","sentiment_score":0.03847907483577728}],"sentiment":"neutral","sentiment_score":0.27146006127198535,"num_words":6,"start":443.435,"end":469.035},{"sentences":[{"text":"Okay.","start":469.035,"end":469.535,"sentiment":"neutral","sentiment_score":0.06145020574331283},{"text":"Yep.","start":472.635,"end":473.135,"sentiment":"neutral","sentiment_score":0.32377752661705017},{"text":"Okay.","start":498.36502,"end":498.86502,"sentiment":"neutral","sentiment_score":0.22954599559307096},{"text":"Sounds 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portfolio?","start":600.97003,"end":603.07,"sentiment":"neutral","sentiment_score":0.033220041543245316},{"text":"$1.75?","start":603.21,"end":604.27,"sentiment":"neutral","sentiment_score":0.01960318721830845}],"sentiment":"neutral","sentiment_score":0.08838348449873072,"num_words":14,"start":587.475,"end":604.27},{"sentences":[{"text":"Okay.","start":613.79504,"end":614.29504,"sentiment":"neutral","sentiment_score":0.03965294733643532},{"text":"Yep.","start":617.47504,"end":617.97504,"sentiment":"neutral","sentiment_score":0.08592921495437622},{"text":"Yeah.","start":625.69,"end":625.93005,"sentiment":"neutral","sentiment_score":0.01184774935245514},{"text":"I haven't logged in to Hub yet.","start":625.93005,"end":627.47003,"sentiment":"neutral","sentiment_score":-0.004534544423222542},{"text":"Okay.","start":632.97003,"end":633.29004,"sentiment":"neutral","sentiment_score":0.052899278700351715}],"sentiment":"neutral","sentiment_score":0.014417034489187327,"num_words":11,"start":613.79504,"end":633.29004},{"sentences":[{"text":"Cool.","start":633.29004,"end":633.79004,"sentiment":"neutral","sentiment_score":0.09412389993667604},{"text":"Right.","start":636.505,"end":636.90497,"sentiment":"neutral","sentiment_score":0.09422892332077026},{"text":"Okay.","start":636.90497,"end":637.385,"sentiment":"neutral","sentiment_score":0.12344838678836824},{"text":"So it's too good.","start":637.385,"end":638.285,"sentiment":"neutral","sentiment_score":0.2592158429324627},{"text":"Yep.","start":645.065,"end":645.565,"sentiment":"neutral","sentiment_score":0.20163147151470184}],"sentiment":"neutral","sentiment_score":0.1937870066612959,"num_words":8,"start":633.29004,"end":645.565},{"sentences":[{"text":"Yep.","start":655.88,"end":656.38,"sentiment":"neutral","sentiment_score":0.09870519489049911},{"text":"Okay.","start":668.39496,"end":668.71497,"sentiment":"neutral","sentiment_score":0.15324367582798004},{"text":"Yeah.","start":668.71497,"end":669.115,"sentiment":"neutral","sentiment_score":0.19002015888690948},{"text":"Gotcha.","start":669.115,"end":669.595,"sentiment":"positive","sentiment_score":0.3461223542690277},{"text":"Sounds good to 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home.","start":811.96497,"end":813.745,"sentiment":"neutral","sentiment_score":-0.05407410115003586},{"text":"Yeah.","start":817.96497,"end":818.46497,"sentiment":"neutral","sentiment_score":-0.04780063033103943}],"sentiment":"neutral","sentiment_score":0.035544834658503534,"num_words":20,"start":802.96,"end":818.46497},{"sentences":[{"text":"Right.","start":823.94,"end":824.44,"sentiment":"neutral","sentiment_score":0.0038540922105312343},{"text":"Yeah.","start":824.5,"end":824.9,"sentiment":"neutral","sentiment_score":0.025080695748329163},{"text":"I'll keep an eye on it.","start":824.9,"end":825.78,"sentiment":"neutral","sentiment_score":0.06259327692290147},{"text":"It's just not it's done it actually now, so you should be able to see it.","start":825.78,"end":830.04,"sentiment":"neutral","sentiment_score":0.03295394394081086},{"text":"Cool.","start":833.46,"end":833.96,"sentiment":"positive","sentiment_score":0.5514709949493408}],"sentiment":"neutral","sentiment_score":0.05932914189994335,"num_words":25,"start":823.94,"end":833.96},{"sentences":[{"text":"Yeah.","start":850.02997,"end":850.11,"sentiment":"neutral","sentiment_score":-0.13080300390720367},{"text":"I don't need it right now.","start":850.11,"end":851.41,"sentiment":"neutral","sentiment_score":-0.2762218465407689},{"text":"I think you reset it last time.","start":851.55,"end":852.99,"sentiment":"neutral","sentiment_score":-0.20112700973238265},{"text":"I'm not sure if it'll be invalid yet.","start":852.99,"end":854.75,"sentiment":"neutral","sentiment_score":-0.2495550811290741},{"text":"I can't remember if I actually changed it, but I'll reach out if I need it and I can't get 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man.","start":876.57697,"end":877.05695,"sentiment":"positive","sentiment_score":0.5055474837621053},{"text":"Thanks for your help.","start":877.05695,"end":878.0369,"sentiment":"positive","sentiment_score":0.8044321835041046},{"text":"Cheers.","start":879.5369,"end":880.0369,"sentiment":"positive","sentiment_score":0.5733415484428406},{"text":"Have a good one.","start":880.3369,"end":881.05695,"sentiment":"positive","sentiment_score":0.6300519853830338},{"text":"Bye.","start":881.05695,"end":881.55695,"sentiment":"neutral","sentiment_score":0.2868431806564331}],"sentiment":"positive","sentiment_score":0.6242126043026264,"num_words":13,"start":876.57697,"end":881.55695}]}}]}],"paragraphs":{"transcript":"\nChannel 1: David speaking.\n\nChannel 0: Good day, Steven. Tommy here, senior adviser from. How you been?\n\nChannel 1: Good. How are you doing?\n\nChannel 0: Yeah. Living the dream. It's a beautiful week on the Gold Coast so far. What about your end?\n\nChannel 1: Yeah. Not too bad, mate. Start of the week. Getting there.\n\nChannel 0: Good to hear. Good to hear. I've got a bit of a updated portfolio and super advice to quickly run through with you.\n\nChannel 1: Okay.\n\nChannel 0: I'm gonna pop it through to your email. Will you be able to look onto the document with me, or should I just kinda walk you through it?\n\nChannel 1: Yeah. I should be able to have a look. Just give me a minute.\n\nChannel 0: Cool. And just while I'm doing that, are you okay for the call to be recorded?\n\nChannel 1: Sure.\n\nChannel 0: Cool. And just for the security of your info, so I'm registered with Asik as adviser one 273105. Can I just get your date of birth and address?\n\nChannel 1: 4 32nd 9226738 Herb Street,\n\nChannel 0: Sensational\n\nChannel 1: South Brisbane.\n\nChannel 0: now. I'll pop that through to you now to the Gmail address. And you have used the new system before, so it should come through pretty instantly. I don't\n\nChannel 1: Okay.\n\nChannel 0: believe it'll go through to your spam box or anything like that. Should only take twenty seconds\n\nChannel 1: Yeah. No. I got it here. There's no attachments.\n\nChannel 0: or so. So with this system, if you hit that purple sign button, it doesn't do anything. It just brings open the documents to peruse with me. And\n\nChannel 1: Okay.\n\nChannel 0: then if you're happy with them, you can hit a a sign at the end.\n\nChannel 1: Yep.\n\nChannel 0: Now there's six attach sorry. Five attachments. The main one that comes up first should be the statement of advice with, like, a Gold Coast beachfront city picture on it.\n\nChannel 1: Yep. Got that one.\n\nChannel 0: Yep. The only thing attached with it is basically an appendix with some extra research and a couple of product update documents from Hub. They've updated their product disclosure documents, investment menus, and everything. So I've just attached those there for your records.\n\nChannel 1: Okay.\n\nChannel 0: Cool. Now if you have a swing through to pages three and four for me, you should see a scope of advice heading in blue, and it's just basically talking about what is being factored into this updated strategy and what's not being advised on today.\n\nChannel 1: Yep. Got that here.\n\nChannel 0: So main thing we were doing was just updating the portfolio for the super. If you recall, we kind of flagged the Benelon option as underperforming, so I've just been getting an active replacement option for that one. Does that ring a\n\nChannel 1: Yep.\n\nChannel 0: bell?\n\nChannel 1: Yes.\n\nChannel 0: Beautiful. And the only thing that I flagged just in case is that in terms of, like, wills, power of attorney, beneficiary nominations, I don't believe you had a power of attorney set up, so I just put a bit of a reminder in for that one.\n\nChannel 1: Okay.\n\nChannel 0: Cool. In the next page, what's not in this document is just in terms of the insurances. We basically went through them. We were gonna maybe have a chat in six months' time. You were comfortable with how they were at the moment, and we were talking about self managed super funds down the line as well.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: We're not giving you any investment advice. No cash flow or debt management advice because, obviously, you've got the ATO debt that you're working through, and you've got, like, the ETFs and things like that. But\n\nChannel 1: Yep.\n\nChannel 0: if at any point you want any advice on those areas, we can kind of tee that in down the line as\n\nChannel 1: Alright. No worries. Sounds good.\n\nChannel 0: well. Cool. Just while I've got you there, so one of the things that we did talk about and I didn't end up sending through at the time, just because we had a broker that was away at the time, was a bit of an idea for the ATO tax debt that there may be strategies where you can kind of maybe get a bit of, like, a lower rate loan to cover it\n\nChannel 1: Yeah.\n\nChannel 0: and\n\nChannel 1: That\n\nChannel 0: a\n\nChannel 1: was\n\nChannel 0: few things.\n\nChannel 1: yeah. I needed that sort of what am I doing now? I'm on a tax plan with the ATO. So, yeah, I needed that way back then, so I can't really use it now.\n\nChannel 0: Yeah. So you just got a\n\nChannel 1: I'll\n\nChannel 0: bit\n\nChannel 1: have\n\nChannel 0: of\n\nChannel 1: something\n\nChannel 0: a payment\n\nChannel 1: for the next\n\nChannel 0: plan,\n\nChannel 1: year.\n\nChannel 0: and it's I guess,\n\nChannel 1: Yeah.\n\nChannel 0: the amount's\n\nChannel 1: Yeah. It's like $5 interest over the whole lot, which is not too bad. The banks\n\nChannel 0: okay?\n\nChannel 1: were not\n\nChannel 0: Cool.\n\nChannel 1: that much better.\n\nChannel 0: Yeah. Yeah. The banks are a bit rough these days,\n\nChannel 1: Yeah.\n\nChannel 0: especially in comparison to those. So there's not many options, but I just wanted to quickly double check with you if that was\n\nChannel 1: Yep.\n\nChannel 0: under control.\n\nChannel 1: Yeah. That's pretty it's pretty good. It's\n\nChannel 0: Awesome.\n\nChannel 1: alright.\n\nChannel 0: On the pages seven and eight, we just got the about you section. And, again, email and phone numbers there. Field services IT, $110.\n\nChannel 1: Yep.\n\nChannel 0: And we had your your home listed, the ETFs, some savings in the car, and the ATO tax debt. So just making sure there's no major changes there.\n\nChannel 1: No. No changes.\n\nChannel 0: Sensational. If you go past that, nine 10 have your risk profile. Again,\n\nChannel 1: Mhmm.\n\nChannel 0: we're not changing risk level. It is high growth. We were just engine tuning the portfolio more than anything, if that rings a\n\nChannel 1: Yeah. I think so.\n\nChannel 0: bell. Cool. Go to eleven for me if you can, please. You should see a strategy recommendations heading.\n\nChannel 1: Yep.\n\nChannel 0: Cool. Now this big wall of text here, just to summarize it for you, what we're doing is we're not looking to change super funds at the moment. We've just been fixing up the investments. Why this is in your best interest is essentially replace an underperforming asset with an overperforming asset, reduce the fee, improve\n\nChannel 1: Okay. Yep.\n\nChannel 0: the performance. We factored in a ten year projection just to see if that'll leave you in a better position. I'm obviously not projecting out to retirement. There's just too many variables to project out twenty, thirty years, if that makes sense.\n\nChannel 1: Yeah. Of course.\n\nChannel 0: Cool. Next page is a big table with advantages and disadvantages. And the main thing I wanna point out here is that we're also doing a rebalance. So when some of your investments go up and some of them go down, we're bringing them all back to the main portfolio waiting. So if this was supposed to be 77%, one had gone up to nine, one had gone down to six, we're just bringing them back to that mid level.\n\nSo\n\nChannel 1: Okay.\n\nChannel 0: we call that a rebalance on top of the investment switch. Any type of\n\nChannel 1: Gotcha.\n\nChannel 0: super portfolio, because we're using ETFs, as you know, there's brokerage fees, and that gets factored into the projections as well. On top of that, Hub's great with aggregated trading, where if someone's buying what you're selling or selling what you're buying, they can just trade the parcels without charging brokerage fees, and that can reduce it anywhere from zero to 80% I've seen in the past as well. So most investment options you can want, brokerage minimization is great. And, again, I'll factor that into the fees. So if you can go to page 14 for me, these are just the last three sorry, four tables here that kind of give you the figures.\n\nChannel 1: Hold on a second.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Now what I wanna show you here is there's a fee comparison table. It should say current recommended in difference there. Now there's no difference\n\nChannel 1: Uh-huh.\n\nChannel 0: there. Now there's no at the top right, the difference says $0 there. There's no net capital gains tax to pay inside the super from rebalancing or switching the investments, which is great. We\n\nChannel 1: Yep.\n\nChannel 0: do have a two percent performance difference over five years at the bottom. So it\n\nChannel 1: Uh-huh.\n\nChannel 0: brings you back from sort of nine and a half up to 11 and a half, which is kind of where you wanna be at high growth. You wanna be double digits.\n\nChannel 1: Okay. Fair enough.\n\nChannel 0: So just doing a little rebalancing that one option switched out, it should help the super by about 20 to $60 over the next five to ten years, but that's just based on, you know, past performance. If anything\n\nChannel 1: Yeah. Okay.\n\nChannel 0: changes and increases, that'll just expand further and further.\n\nChannel 1: Yep.\n\nChannel 0: Cool. Performance tables on the next page, and I've just shown you there the one, three, five, and ten years. The main thing I wanna point out here is that while the current portfolio is doing double digits over three and ten years, it's not over one and five. I just wanna get you that consistency across periods just to make sure you've got the biggest chance of hitting double digits at any time period and any economic period as well.\n\nChannel 1: Okay. Sounds good.\n\nChannel 0: Last two is the investments table red heading, blue table after that, and it just kind\n\nChannel 1: Yep.\n\nChannel 0: of shows you what I'm thinking of switching around.\n\nChannel 1: Okay.\n\nChannel 0: Target weight is the second last column. You should see the round percentage figures in that one where it's got 7%, the zero, the seven, the seven.\n\nChannel 1: Yep.\n\nChannel 0: Basically, what we're doing is that second one, Bennelong, that's being sold out of. Everything else is being slightly rebalanced back to the original weightings. And at the bottom, Alfiniti is your replacement option for Benelon. And the\n\nChannel 1: Okay.\n\nChannel 0: main difference there is it goes from a 1% fee to a 0.9, and it has been outperforming the Aussie market over one, three, five, and ten years. So you go from, again, someone who's been underperforming consistently to someone who's been overperforming on every time period.\n\nChannel 1: Okay. Sounds good.\n\nChannel 0: Everything else looked great, honestly. The gold option's been doing fantastic. You've got even some of the Asian shares, battery tech and lithium. The old electric vehicles has been soaring up really well. So I think everything inside the portfolio looks good except for that one.\n\nAnd, again, switch that out, bring it back to normal, and I think you should be pretty sweet going forward.\n\nChannel 1: Yep. Yeah. I think the rest of it was doing pretty good from what we talked\n\nChannel 0: Yeah. Even\n\nChannel 1: about\n\nChannel 0: the cybersecurity, which was lagging\n\nChannel 1: last\n\nChannel 0: for a while with all the AI issues going\n\nChannel 1: time.\n\nChannel 0: on, they've now increased too. So\n\nChannel 1: Right. Okay.\n\nChannel 0: everything has gone back up into you know, most\n\nChannel 1: Mhmm.\n\nChannel 0: of them have been hitting double digits too.\n\nChannel 1: That's pretty good.\n\nChannel 0: So that's what I'm thinking. There's a cash account there that has to has to be 1.25% minimum for Hub just to\n\nChannel 1: Okay.\n\nChannel 0: maintain transactions.\n\nChannel 1: So what's\n\nChannel 0: And\n\nChannel 1: the current value of the portfolio? $1.75?\n\nChannel 0: one sec. So $1.75, that doesn't include the cash of 2,000. So that should be about $1.77, $1.78 at the moment.\n\nChannel 1: Okay.\n\nChannel 0: That's just when we put the research together a couple of weeks ago.\n\nChannel 1: Yep.\n\nChannel 0: I'll hop in the hub and give you an updated balance for today. Bear\n\nChannel 1: Yeah.\n\nChannel 0: with\n\nChannel 1: I haven't\n\nChannel 0: me for\n\nChannel 1: logged\n\nChannel 0: two\n\nChannel 1: in to Hub yet.\n\nChannel 0: secs. Yeah. It's floating between $1.76, $1.77. You got\n\nChannel 1: Okay.\n\nChannel 0: the\n\nChannel 1: Cool.\n\nChannel 0: unit prices updated, I think, 3PM.\n\nChannel 1: Right. Okay. So it's too good.\n\nChannel 0: Cool. Last one for you is if you just keep going down, you'll see the asset allocation chart there.\n\nChannel 1: Yep.\n\nChannel 0: And that just basically goes over again, making sure we're above 90% in growth assets. The middle row in gray, 90%\n\nChannel 1: Yep.\n\nChannel 0: is the target. You're sitting at 92. You'll basically still be around 92. We're not doing any major drastic switches. We're not completely overhauling an asset class.\n\nWe're just tuning them up\n\nChannel 1: Okay. Yeah. Gotcha. Sounds good to\n\nChannel 0: again.\n\nChannel 1: me.\n\nChannel 0: Cool. And that's pretty much it. The last pages go through power of attorney and why you should have one of those. We've\n\nChannel 1: Mhmm.\n\nChannel 0: also just reiterated our advice service fees at the back there. And in terms of implementation, if you're happy with this, basically, just give the authority to proceed a sign at the bottom, and there's a a multiline actually, if you can go to page 25 for me, I'll just show you the multiline for a\n\nChannel 1: One second.\n\nChannel 0: second.\n\nChannel 1: Yep.\n\nChannel 0: So where it's got the signatures there, it's got two paragraphs above it. The first one is basically saying, I'm happy to go\n\nChannel 1: Mhmm.\n\nChannel 0: ahead with all of the recommendations. The second one is if you wanna make any variations to the advice. And\n\nChannel 1: Okay.\n\nChannel 0: if you're happy with what I've come up with, just put an NA in that multiline box just below it.\n\nChannel 1: Okay. Let me do that now.\n\nChannel 0: Cool.\n\nChannel 1: I think I found it. It's loading.\n\nChannel 0: If it does that old spinning circle, it'll probably say you'll get a signed copy for your records. I think there's usually a button to download them as well. I'll\n\nChannel 1: Okay.\n\nChannel 0: hop on here and have a look. And I\n\nChannel 1: Yeah.\n\nChannel 0: don't believe there's anything else to sign, but you should you might have to skip through to next document, next document, next document to skip through those other four, and then it will have a validate button at the end.\n\nChannel 1: Yeah. It's just loading. There's not much reception where I am here, so we'll see if it works.\n\nChannel 0: That's alright. Outside of that, mate, any questions on the server so far?\n\nChannel 1: No. I think we covered most of it last time and this time, I guess.\n\nChannel 0: Cool. And outside of that, I was gonna pencil in to catch up with you before Christmas just to review the insurances. Do you want me to still put that in to to catch up with you around that sort of November period or just wait for the annual review? What would be your preference?\n\nChannel 1: Just wait for the annual review. There's no rush on that.\n\nChannel 0: Yep. Easy done. So I'll put in there for the twelve month contact. If anything pops up in between any major changes again, just a quick call through to reception there. They'll get you booked in with me, and we can update whatever we need to.\n\nChannel 1: Yeah. No. Easy as, mate. Sounds good.\n\nChannel 0: Cool. Alrighty, man. You have a fantastic week. I'm just gonna double check that this has come through okay.\n\nChannel 1: It still\n\nChannel 0: Again\n\nChannel 1: says loading. You probably have to do\n\nChannel 0: yeah.\n\nChannel 1: that when I get home.\n\nChannel 0: The old spinning circle can sometimes take up to a couple of minutes there, especially\n\nChannel 1: Yeah.\n\nChannel 0: with how bulky those other documents are. Sometimes it says it's quite large as a data pack.\n\nChannel 1: Right. Yeah. I'll keep an eye on it. It's just not it's done it actually now, so you should be able to see it.\n\nChannel 0: Yep. That's come through.\n\nChannel 1: Cool.\n\nChannel 0: Amazing. Thank you so much for that, mate. The other thing too, just to sort of cap off with, was the Hub 24 login. Did you need any extra resetting of that one, or do you think you can get into that okay?\n\nChannel 1: Yeah. I don't need it right now. I think you reset it last time. I'm not sure if it'll be invalid yet. I can't remember if I actually changed it, but I'll reach out if I need it and I can't get in.\n\nChannel 0: Yeah. Cool. Most of that is just the old, like, forgot password reset tends to do it as well, but any trouble, just give us a buzz. Yeah.\n\nChannel 1: Yeah. Easy. I'm fine with it.\n\nChannel 0: Awesome, Steve, mate. Thank you so much for your time today. I will touch base again soon, and have a fantastic week.\n\nChannel 1: Yeah. No worries. You too, man. Thanks for your help.\n\nChannel 0: No worries at all. Anytime,\n\nChannel 1: Cheers.\n\nChannel 0: mate. See you later.\n\nChannel 1: Have a good one. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"David speaking.","start":2.1599998,"end":2.98,"sentiment":"neutral","sentiment_score":0.02047610003501177}],"sentiment":"neutral","sentiment_score":0.02047610003501177,"channel":1,"num_words":2,"start":2.1599998,"end":2.98},{"sentences":[{"text":"Good day, Steven.","start":3.6799998,"end":4.4,"sentiment":"positive","sentiment_score":0.3998394012451172},{"text":"Tommy here, senior adviser from.","start":4.4,"end":6.18,"sentiment":"neutral","sentiment_score":0.2232522636651993},{"text":"How you been?","start":6.3199997,"end":7.06,"sentiment":"neutral","sentiment_score":0.17140498260656992}],"sentiment":"neutral","sentiment_score":0.2572722245346416,"channel":0,"num_words":11,"start":3.6799998,"end":7.06},{"sentences":[{"text":"Good.","start":7.68,"end":8.0,"sentiment":"positive","sentiment_score":0.41564878821372986},{"text":"How are you doing?","start":8.0,"end":8.82,"sentiment":"neutral","sentiment_score":0.3232526257634163}],"sentiment":"positive","sentiment_score":0.341731858253479,"channel":1,"num_words":5,"start":7.68,"end":8.82},{"sentences":[{"text":"Yeah.","start":9.12,"end":9.36,"sentiment":"positive","sentiment_score":0.41268032789230347},{"text":"Living the dream.","start":9.36,"end":10.0,"sentiment":"positive","sentiment_score":0.607066790262858},{"text":"It's a beautiful week on the Gold Coast so far.","start":10.0,"end":11.84,"sentiment":"positive","sentiment_score":0.7646164059638977},{"text":"What about your end?","start":11.84,"end":12.615,"sentiment":"neutral","sentiment_score":0.1918759699910879}],"sentiment":"positive","sentiment_score":0.5915304799046781,"channel":0,"num_words":18,"start":9.12,"end":12.615},{"sentences":[{"text":"Yeah.","start":13.28,"end":13.44,"sentiment":"neutral","sentiment_score":0.22560501098632812},{"text":"Not too bad, mate.","start":13.44,"end":14.24,"sentiment":"neutral","sentiment_score":0.29396534338593483},{"text":"Start of the week.","start":14.24,"end":15.255,"sentiment":"neutral","sentiment_score":0.28056615591049194},{"text":"Getting there.","start":15.255,"end":16.235,"sentiment":"neutral","sentiment_score":0.2956109493970871}],"sentiment":"neutral","sentiment_score":0.2831775369969281,"channel":1,"num_words":11,"start":13.28,"end":16.235},{"sentences":[{"text":"Good to hear.","start":15.815,"end":16.375,"sentiment":"positive","sentiment_score":0.5924733678499857},{"text":"Good to hear.","start":16.375,"end":17.195,"sentiment":"positive","sentiment_score":0.6141948501269022},{"text":"I've got a bit of a updated portfolio and super advice to quickly run through with you.","start":17.414999,"end":23.035,"sentiment":"positive","sentiment_score":0.516444486730239}],"sentiment":"positive","sentiment_score":0.5391113447106403,"channel":0,"num_words":23,"start":15.815,"end":23.035},{"sentences":[{"text":"Okay.","start":23.255001,"end":23.755001,"sentiment":"neutral","sentiment_score":0.16494150459766388}],"sentiment":"neutral","sentiment_score":0.16494150459766388,"channel":1,"num_words":1,"start":23.255001,"end":23.755001},{"sentences":[{"text":"I'm gonna pop it through to your email.","start":24.375,"end":26.134998,"sentiment":"neutral","sentiment_score":0.15957813896238804},{"text":"Will you be able to look onto the document with me, or should I just kinda walk you through it?","start":26.134998,"end":29.81,"sentiment":"neutral","sentiment_score":0.14640967696905136}],"sentiment":"neutral","sentiment_score":0.15017209468143328,"channel":0,"num_words":28,"start":24.375,"end":29.81},{"sentences":[{"text":"Yeah.","start":30.529999,"end":30.689999,"sentiment":"neutral","sentiment_score":0.12846222519874573},{"text":"I should be able to have a look.","start":30.689999,"end":31.97,"sentiment":"neutral","sentiment_score":0.19686170853674412},{"text":"Just give me a minute.","start":31.97,"end":33.03,"sentiment":"neutral","sentiment_score":0.13054403215646743}],"sentiment":"neutral","sentiment_score":0.16829114673393114,"channel":1,"num_words":14,"start":30.529999,"end":33.03},{"sentences":[{"text":"Cool.","start":33.55,"end":33.79,"sentiment":"neutral","sentiment_score":0.2084963172674179},{"text":"And just while I'm doing that, are you okay for the call to be recorded?","start":33.79,"end":36.93,"sentiment":"neutral","sentiment_score":0.04830519792934259}],"sentiment":"neutral","sentiment_score":0.058317142887972295,"channel":0,"num_words":16,"start":33.55,"end":36.93},{"sentences":[{"text":"Sure.","start":37.649998,"end":38.149998,"sentiment":"neutral","sentiment_score":0.12559305131435394}],"sentiment":"neutral","sentiment_score":0.12559305131435394,"channel":1,"num_words":1,"start":37.649998,"end":38.149998},{"sentences":[{"text":"Cool.","start":38.67,"end":38.989998,"sentiment":"neutral","sentiment_score":0.1931474208831787},{"text":"And just for the security of your info, so I'm registered with Asik as adviser one 273105.","start":38.989998,"end":44.785,"sentiment":"neutral","sentiment_score":0.12738936832722494},{"text":"Can I just get your date of birth and address?","start":44.785,"end":47.205,"sentiment":"neutral","sentiment_score":0.07559631168842315}],"sentiment":"neutral","sentiment_score":0.1112403499760798,"channel":0,"num_words":28,"start":38.67,"end":47.205},{"sentences":[{"text":"4 32nd 9226738 Herb Street,","start":47.984997,"end":52.725,"sentiment":"neutral","sentiment_score":0.03128262646496296}],"sentiment":"neutral","sentiment_score":0.03128262646496296,"channel":1,"num_words":5,"start":47.984997,"end":52.725},{"sentences":[{"text":"Sensational","start":53.985,"end":54.485,"sentiment":"neutral","sentiment_score":0.07597944140434265}],"sentiment":"neutral","sentiment_score":0.07597944140434265,"channel":0,"num_words":1,"start":53.985,"end":54.485},{"sentences":[{"text":"South Brisbane.","start":54.065,"end":54.805,"sentiment":"neutral","sentiment_score":0.06838711351156235}],"sentiment":"neutral","sentiment_score":0.06838711351156235,"channel":1,"num_words":2,"start":54.065,"end":54.805},{"sentences":[{"text":"now.","start":54.705,"end":55.205,"sentiment":"neutral","sentiment_score":0.07289581000804901},{"text":"I'll pop that through to you now to the Gmail address.","start":55.745,"end":59.140003,"sentiment":"neutral","sentiment_score":0.12063574587756937},{"text":"And you have used the new system before, so it should come through pretty instantly.","start":61.440002,"end":65.46,"sentiment":"neutral","sentiment_score":0.2080741435289383},{"text":"I don't","start":66.08,"end":66.4,"sentiment":"neutral","sentiment_score":-0.09715839475393295}],"sentiment":"neutral","sentiment_score":0.1491960130375007,"channel":0,"num_words":29,"start":54.705,"end":66.4},{"sentences":[{"text":"Okay.","start":66.2,"end":66.7,"sentiment":"neutral","sentiment_score":-0.147230327129364}],"sentiment":"neutral","sentiment_score":-0.147230327129364,"channel":1,"num_words":1,"start":66.2,"end":66.7},{"sentences":[{"text":"believe it'll go through to your spam box or anything like that.","start":66.4,"end":68.72,"sentiment":"neutral","sentiment_score":-0.2468553731838862},{"text":"Should only take twenty seconds","start":68.72,"end":70.245,"sentiment":"neutral","sentiment_score":-0.052784615010023114}],"sentiment":"neutral","sentiment_score":-0.18977573842686765,"channel":0,"num_words":17,"start":66.4,"end":70.245},{"sentences":[{"text":"Yeah.","start":70.92,"end":71.16,"sentiment":"neutral","sentiment_score":-0.0343448705971241},{"text":"No.","start":71.16,"end":71.32,"sentiment":"neutral","sentiment_score":-0.10872069001197816},{"text":"I got it here.","start":71.32,"end":72.015,"sentiment":"neutral","sentiment_score":-0.07795726228505373},{"text":"There's no attachments.","start":76.575,"end":77.475,"sentiment":"neutral","sentiment_score":-0.14347084860006967}],"sentiment":"neutral","sentiment_score":-0.09836746172772513,"channel":1,"num_words":9,"start":70.92,"end":77.475},{"sentences":[{"text":"or so.","start":77.765,"end":78.425,"sentiment":"neutral","sentiment_score":-0.14100151509046555},{"text":"So with this system, if you hit that purple sign button, it doesn't do anything.","start":78.885,"end":82.725006,"sentiment":"neutral","sentiment_score":-0.09754390170176824},{"text":"It just brings open the documents to peruse with me.","start":82.725006,"end":85.23,"sentiment":"neutral","sentiment_score":-0.011728111840784549},{"text":"And","start":85.310005,"end":85.55,"sentiment":"neutral","sentiment_score":-0.003284119069576263}],"sentiment":"neutral","sentiment_score":-0.06663309975660273,"channel":0,"num_words":28,"start":77.765,"end":85.55},{"sentences":[{"text":"Okay.","start":85.455,"end":85.955,"sentiment":"neutral","sentiment_score":0.013405326753854752}],"sentiment":"neutral","sentiment_score":0.013405326753854752,"channel":1,"num_words":1,"start":85.455,"end":85.955},{"sentences":[{"text":"then if you're happy with them, you can hit a a sign at the end.","start":85.55,"end":88.53001,"sentiment":"neutral","sentiment_score":0.033906473840276403}],"sentiment":"neutral","sentiment_score":0.033906473840276403,"channel":0,"num_words":15,"start":85.55,"end":88.53001},{"sentences":[{"text":"Yep.","start":88.91,"end":89.41,"sentiment":"neutral","sentiment_score":0.020870309323072433}],"sentiment":"neutral","sentiment_score":0.020870309323072433,"channel":1,"num_words":1,"start":88.91,"end":89.41},{"sentences":[{"text":"Now there's six attach sorry.","start":89.79,"end":91.39,"sentiment":"neutral","sentiment_score":-0.023714790493249892},{"text":"Five attachments.","start":91.39,"end":92.130005,"sentiment":"neutral","sentiment_score":-0.031786056235432625},{"text":"The main one that comes up first should be the statement of advice with, like, a Gold Coast beachfront city picture on 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position.","start":329.00998,"end":333.27,"sentiment":"neutral","sentiment_score":0.30620306647486156},{"text":"I'm obviously not projecting out to retirement.","start":333.40997,"end":335.88998,"sentiment":"neutral","sentiment_score":-0.18810807168483734},{"text":"There's just too many variables to project out twenty, thirty years, if that makes sense.","start":335.88998,"end":339.99,"sentiment":"neutral","sentiment_score":-0.12450125366449356}],"sentiment":"neutral","sentiment_score":0.06854942600641932,"channel":0,"num_words":42,"start":327.315,"end":339.99},{"sentences":[{"text":"Yeah.","start":340.11,"end":340.43,"sentiment":"neutral","sentiment_score":0.054808489978313446},{"text":"Of 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still","start":811.08496,"end":811.40497,"sentiment":"neutral","sentiment_score":-0.008129842579364777}],"sentiment":"neutral","sentiment_score":-0.008129842579364777,"channel":1,"num_words":2,"start":811.08496,"end":811.40497},{"sentences":[{"text":"Again","start":811.19,"end":811.69,"sentiment":"neutral","sentiment_score":-0.031643472611904144}],"sentiment":"neutral","sentiment_score":-0.031643472611904144,"channel":0,"num_words":1,"start":811.19,"end":811.69},{"sentences":[{"text":"says loading.","start":811.40497,"end":811.96497,"sentiment":"neutral","sentiment_score":-0.0497901514172554},{"text":"You probably have to do","start":811.96497,"end":812.765,"sentiment":"neutral","sentiment_score":-0.06766511127352715}],"sentiment":"neutral","sentiment_score":-0.06255797988602094,"channel":1,"num_words":7,"start":811.40497,"end":812.765},{"sentences":[{"text":"yeah.","start":812.71,"end":813.21,"sentiment":"neutral","sentiment_score":-0.035040587186813354}],"sentiment":"neutral","sentiment_score":-0.035040587186813354,"channel":0,"num_words":1,"start":812.71,"end":813.21},{"sentences":[{"text":"that when I get home.","start":812.765,"end":813.745,"sentiment":"neutral","sentiment_score":-0.04048309102654457}],"sentiment":"neutral","sentiment_score":-0.04048309102654457,"channel":1,"num_words":5,"start":812.765,"end":813.745},{"sentences":[{"text":"The old spinning circle can sometimes take up to a couple of minutes there, especially","start":814.07,"end":818.08496,"sentiment":"neutral","sentiment_score":-0.07733058085044225}],"sentiment":"neutral","sentiment_score":-0.07733058085044225,"channel":0,"num_words":15,"start":814.07,"end":818.08496},{"sentences":[{"text":"Yeah.","start":817.96497,"end":818.46497,"sentiment":"neutral","sentiment_score":-0.04780063033103943}],"sentiment":"neutral","sentiment_score":-0.04780063033103943,"channel":1,"num_words":1,"start":817.96497,"end":818.46497},{"sentences":[{"text":"with how bulky those other documents are.","start":818.08496,"end":820.40497,"sentiment":"neutral","sentiment_score":-0.13639862622533525},{"text":"Sometimes it says it's quite large as a data pack.","start":820.40497,"end":824.02496,"sentiment":"neutral","sentiment_score":-0.15751648917794228}],"sentiment":"neutral","sentiment_score":-0.1488208985503982,"channel":0,"num_words":17,"start":818.08496,"end":824.02496},{"sentences":[{"text":"Right.","start":823.94,"end":824.44,"sentiment":"neutral","sentiment_score":0.0038540922105312343},{"text":"Yeah.","start":824.5,"end":824.9,"sentiment":"neutral","sentiment_score":0.025080695748329163},{"text":"I'll keep an eye on it.","start":824.9,"end":825.78,"sentiment":"neutral","sentiment_score":0.06259327692290147},{"text":"It's just not it's done it actually now, so you should be able to see it.","start":825.78,"end":830.04,"sentiment":"neutral","sentiment_score":0.03295394394081086}],"sentiment":"neutral","sentiment_score":0.03882323135621846,"channel":1,"num_words":24,"start":823.94,"end":830.04},{"sentences":[{"text":"Yep.","start":831.52496,"end":831.76495,"sentiment":"neutral","sentiment_score":0.109916552901268},{"text":"That's come through.","start":831.76495,"end":832.68,"sentiment":"neutral","sentiment_score":0.18062629799048105}],"sentiment":"neutral","sentiment_score":0.1629488617181778,"channel":0,"num_words":4,"start":831.52496,"end":832.68},{"sentences":[{"text":"Cool.","start":833.46,"end":833.96,"sentiment":"positive","sentiment_score":0.5514709949493408}],"sentiment":"positive","sentiment_score":0.5514709949493408,"channel":1,"num_words":1,"start":833.46,"end":833.96},{"sentences":[{"text":"Amazing.","start":835.0,"end":835.32,"sentiment":"positive","sentiment_score":0.6784793138504028},{"text":"Thank you so much for that, mate.","start":835.32,"end":836.77997,"sentiment":"positive","sentiment_score":0.7500976664679391},{"text":"The other thing too, just to sort of cap off with, was the Hub 24 login.","start":837.32,"end":842.54,"sentiment":"neutral","sentiment_score":0.05122601112816483},{"text":"Did you need any extra resetting of that one, or do you think you can get into that okay?","start":842.92,"end":848.055,"sentiment":"neutral","sentiment_score":-0.017270796466618776}],"sentiment":"neutral","sentiment_score":0.14931707033281064,"channel":0,"num_words":43,"start":835.0,"end":848.055},{"sentences":[{"text":"Yeah.","start":850.02997,"end":850.11,"sentiment":"neutral","sentiment_score":-0.13080300390720367},{"text":"I don't need it right now.","start":850.11,"end":851.41,"sentiment":"neutral","sentiment_score":-0.2762218465407689},{"text":"I think you reset it last time.","start":851.55,"end":852.99,"sentiment":"neutral","sentiment_score":-0.20112700973238265},{"text":"I'm not sure if it'll be invalid yet.","start":852.99,"end":854.75,"sentiment":"neutral","sentiment_score":-0.2495550811290741},{"text":"I can't remember if I actually changed it, but I'll reach out if I need it and I can't get in.","start":854.75,"end":859.81,"sentiment":"neutral","sentiment_score":-0.06356574328882354}],"sentiment":"neutral","sentiment_score":-0.1517987071947996,"channel":1,"num_words":43,"start":850.02997,"end":859.81},{"sentences":[{"text":"Yeah.","start":860.51,"end":860.75,"sentiment":"neutral","sentiment_score":0.1678435206413269},{"text":"Cool.","start":860.75,"end":861.07,"sentiment":"positive","sentiment_score":0.3917330503463745},{"text":"Most of that is just the old, like, forgot password reset tends to do it as well, but any trouble, just give us a buzz.","start":861.07,"end":866.43,"sentiment":"neutral","sentiment_score":0.07181469082832337},{"text":"Yeah.","start":866.43,"end":866.93,"sentiment":"neutral","sentiment_score":0.17201381921768188}],"sentiment":"neutral","sentiment_score":0.0902484878897667,"channel":0,"num_words":28,"start":860.51,"end":866.93},{"sentences":[{"text":"Yeah.","start":867.115,"end":867.435,"sentiment":"neutral","sentiment_score":0.23771905899047852},{"text":"Easy.","start":867.435,"end":867.755,"sentiment":"positive","sentiment_score":0.45292598009109497},{"text":"I'm fine with it.","start":867.755,"end":868.815,"sentiment":"positive","sentiment_score":0.6102509945631027}],"sentiment":"positive","sentiment_score":0.5219415028889974,"channel":1,"num_words":6,"start":867.115,"end":868.815},{"sentences":[{"text":"Awesome, Steve, mate.","start":869.31,"end":870.19,"sentiment":"positive","sentiment_score":0.8504835764567057},{"text":"Thank you so much for your time today.","start":870.19,"end":871.87,"sentiment":"positive","sentiment_score":0.8967255428433418},{"text":"I will touch base again soon, and have a fantastic week.","start":871.87,"end":875.825,"sentiment":"positive","sentiment_score":0.809859113259749}],"sentiment":"positive","sentiment_score":0.8469866053624586,"channel":0,"num_words":22,"start":869.31,"end":875.825},{"sentences":[{"text":"Yeah.","start":875.93695,"end":876.25696,"sentiment":"positive","sentiment_score":0.42705246806144714},{"text":"No worries.","start":876.25696,"end":876.57697,"sentiment":"positive","sentiment_score":0.3800581246614456},{"text":"You too, man.","start":876.57697,"end":877.05695,"sentiment":"positive","sentiment_score":0.5055474837621053},{"text":"Thanks for your help.","start":877.05695,"end":878.0369,"sentiment":"positive","sentiment_score":0.8044321835041046}],"sentiment":"positive","sentiment_score":0.5921539902687073,"channel":1,"num_words":10,"start":875.93695,"end":878.0369},{"sentences":[{"text":"No worries at all.","start":878.365,"end":879.245,"sentiment":"positive","sentiment_score":0.4094488099217415},{"text":"Anytime,","start":879.245,"end":879.72504,"sentiment":"positive","sentiment_score":0.40942561626434326}],"sentiment":"positive","sentiment_score":0.40944417119026183,"channel":0,"num_words":5,"start":878.365,"end":879.72504},{"sentences":[{"text":"Cheers.","start":879.5369,"end":880.0369,"sentiment":"positive","sentiment_score":0.5733415484428406}],"sentiment":"positive","sentiment_score":0.5733415484428406,"channel":1,"num_words":1,"start":879.5369,"end":880.0369},{"sentences":[{"text":"mate.","start":879.72504,"end":879.885,"sentiment":"positive","sentiment_score":0.4574567973613739},{"text":"See you later.","start":879.885,"end":880.625,"sentiment":"positive","sentiment_score":0.5542205373446146}],"sentiment":"positive","sentiment_score":0.5300296023488045,"channel":0,"num_words":4,"start":879.72504,"end":880.625},{"sentences":[{"text":"Have a good one.","start":880.3369,"end":881.05695,"sentiment":"positive","sentiment_score":0.6300519853830338},{"text":"Bye.","start":881.05695,"end":881.55695,"sentiment":"neutral","sentiment_score":0.2868431806564331}],"sentiment":"positive","sentiment_score":0.5614102244377136,"channel":1,"num_words":5,"start":880.3369,"end":881.55695},{"sentences":[{"text":"Bye.","start":881.885,"end":882.385,"sentiment":"neutral","sentiment_score":-0.10217230021953584}],"sentiment":"neutral","sentiment_score":-0.10217230021953584,"channel":0,"num_words":1,"start":881.885,"end":882.385}]},"summary":{"result":"success","short":"An adviser from an investment company provided updated portfolio information and advice to Steven, including updating his email address and uploading a document to his Gmail account. They discussed various topics including updating the portfolio, updating the strategy, and providing investment and risk advice. The adviser addressed a tax debt issue and confirmed no major changes to the risk profile. They also discussed fixing investments and replacing underperforming assets with overperforming ones to improve performance and provided guidance on signing and refer referring documents. The speaker emphasized consistency across periods and economic periods, as well as updating asset allocation and recommend a multiline for a process. They also provided updates on various stocks and asset classes and ended the conversation with a friendly exchange."},"intents":{"segments":[{"text":"I've got a bit of a updated portfolio and super advice to quickly run through with you. Okay.","start_word":53,"end_word":70,"intents":[{"intent":"Update portfolio","confidence_score":0.080185674}]},{"text":"I've got a bit of a updated portfolio and super advice to quickly run through with you. Okay. I'm gonna pop it through to your email. Will you be able to look onto the document with me, or should I just kinda walk you through it? Yeah.","start_word":53,"end_word":99,"intents":[{"intent":"Run through document","confidence_score":0.5723264}]},{"text":"And just while I'm doing that, are you okay for the call to be recorded? Sure.","start_word":114,"end_word":129,"intents":[{"intent":"Record call","confidence_score":0.04473359}]},{"text":"So when some of your investments go up and some of them go down, we're bringing them all back to the main portfolio waiting. So if this was supposed to be 77%, one had gone up to nine, one had gone down to six, we're just bringing them back to that mid level. So Okay.","start_word":1066,"end_word":1120,"intents":[{"intent":"Rebalance investments","confidence_score":0.18473487}]},{"text":"Now what I wanna show you here is there's a fee comparison table.","start_word":1257,"end_word":1269,"intents":[{"intent":"Show fee comparison table","confidence_score":0.030849164}]},{"text":"There's no net capital gains tax to pay inside the super from rebalancing or switching the investments, which is great.","start_word":1296,"end_word":1315,"intents":[{"intent":"Rebalancing and switching investments","confidence_score":0.01202438}]},{"text":"The main thing I wanna point out here is that while the current portfolio is doing double digits over three and ten years, it's not over one and five. I just wanna get you that consistency across periods just to make sure you've got the biggest chance of hitting double digits at any time period and any economic period as well. Okay.","start_word":1440,"end_word":1501,"intents":[{"intent":"Showing consistent performance","confidence_score":0.000602173}]},{"text":"Basically, what we're doing is that second one, Bennelong, that's being sold out of. Everything else is being slightly rebalanced back to the original weightings.","start_word":1559,"end_word":1583,"intents":[{"intent":"Comparing weightings","confidence_score":0.0008843004}]},{"text":"So what's And the current value of the portfolio? $1.75?","start_word":1803,"end_word":1812,"intents":[{"intent":"Update portfolio value and reflect","confidence_score":0.00005537217}]},{"text":"The last pages go through power of attorney and why you should have one of those. We've Mhmm.","start_word":1987,"end_word":2004,"intents":[{"intent":"Demonstrate power of attorney instructions","confidence_score":0.00007632543}]},{"text":"Outside of that, mate, any questions on the server so far? No. I think we covered most of it last time and this time, I guess. Cool. And outside of that, I was gonna pencil in to catch up with you before Christmas just to review the insurances. Do you want me to still put that in to to catch up with you around that sort of November period or just wait for the annual review? What would be your preference?","start_word":2245,"end_word":2325,"intents":[{"intent":"Schedule server review","confidence_score":0.11377246}]}]},"sentiments":{"segments":[{"text":"David speaking.","start_word":0,"end_word":1,"sentiment":"neutral","sentiment_score":0.023898359388113025},{"text":"Good day, Steven.","start_word":2,"end_word":4,"sentiment":"positive","sentiment_score":0.4026072025299072},{"text":"Tommy here, senior adviser from. How you been?","start_word":5,"end_word":12,"sentiment":"neutral","sentiment_score":0.20550817251205444},{"text":"Good.","start_word":13,"end_word":13,"sentiment":"positive","sentiment_score":0.41564878821372986},{"text":"How are you doing?","start_word":14,"end_word":17,"sentiment":"neutral","sentiment_score":0.32351452112197876},{"text":"Yeah. Living the dream. It's a beautiful week on the Gold Coast so far.","start_word":18,"end_word":31,"sentiment":"positive","sentiment_score":0.6957558989524841},{"text":"What about your end? Yeah. Not too bad, mate. Start of the week. Getting there.","start_word":32,"end_word":46,"sentiment":"neutral","sentiment_score":0.27460044622421265},{"text":"Good to hear. Good to hear. I've got a bit of a updated portfolio and super advice to quickly run through with you.","start_word":47,"end_word":69,"sentiment":"positive","sentiment_score":0.5351386070251465},{"text":"Okay. I'm gonna pop it through to your email. Will you be able to look onto the document with me, or should I just kinda walk you through it? Yeah. I should be able to have a look. Just give me a minute. Cool. And just while I'm doing that, are you okay for the call to be recorded? Sure. Cool. And just for the security of your info, so I'm registered with Asik as adviser one 273105. Can I just get your date of birth and address? 4 32nd 9226738 Herb Street, Sensational South Brisbane. now. I'll pop that through to you now to the Gmail address. And you have used the new system before, so it should come through pretty instantly. I don't Okay. believe it'll go through to your spam box or anything like that. Should only take twenty seconds Yeah. No. I got it here. There's no attachments. or so. So with this system, if you hit that purple sign button, it doesn't do anything. It just brings open the documents to peruse with me. And Okay. then if you're happy with them, you can hit a a sign at the end. Yep. Now there's six attach sorry. Five attachments. The main one that comes up first should be the statement of advice with, like, a Gold Coast beachfront city picture on it. Yep. Got that one. Yep. The only thing attached with it is basically an appendix with some extra research and a couple of product update documents from Hub. They've updated their product disclosure documents, investment menus, and everything. So I've just attached those there for your records.","start_word":70,"end_word":343,"sentiment":"neutral","sentiment_score":0.046797117177587354},{"text":"Okay. Cool.","start_word":344,"end_word":345,"sentiment":"positive","sentiment_score":0.4573884904384613},{"text":"Now if you have a swing through to pages three and four for me, you should see a scope of advice heading in blue, and it's just basically talking about what is being factored into this updated strategy and what's not being advised on today. Yep. Got that here. So main thing we were doing was just updating the portfolio for the super. If you recall, we kind of flagged the Benelon option as underperforming, so I've just been getting an active replacement option for that one. Does that ring a Yep. bell? Yes.","start_word":346,"end_word":439,"sentiment":"neutral","sentiment_score":0.03821752965450287},{"text":"Beautiful.","start_word":440,"end_word":440,"sentiment":"positive","sentiment_score":0.6592440605163574},{"text":"And the only thing that I flagged just in case is that in terms of, like, wills, power of attorney, beneficiary nominations, I don't believe you had a power of attorney set up, so I just put a bit of a reminder in for that one. Okay.","start_word":441,"end_word":487,"sentiment":"neutral","sentiment_score":-0.02259716205298901},{"text":"Cool.","start_word":488,"end_word":488,"sentiment":"positive","sentiment_score":0.3441818356513977},{"text":"In the next page, what's not in this document is just in terms of the insurances. We basically went through them. We were gonna maybe have a chat in six months' time. You were comfortable with how they were at the moment, and we were talking about self managed super funds down the line as well. Yeah. Okay. We're not giving you any investment advice. No cash flow or debt management advice because, obviously, you've got the ATO debt that you're working through, and you've got, like, the ETFs and things like that. But Yep. if at any point you want any advice on those areas, we can kind of tee that in down the line as Alright. No worries.","start_word":489,"end_word":608,"sentiment":"neutral","sentiment_score":-0.015827437862753868},{"text":"Sounds good. well. Cool.","start_word":609,"end_word":612,"sentiment":"positive","sentiment_score":0.6139642596244812},{"text":"Just while I've got you there, so one of the things that we did talk about and I didn't end up sending through at the time, just because we had a broker that was away at the time, was a bit of an idea for the ATO tax debt that there may be strategies where you can kind of maybe get a bit of, like, a lower rate loan to cover it Yeah. and That a was few things. yeah. I needed that sort of what am I doing now? I'm on a tax plan with the ATO. So, yeah, I needed that way back then, so I can't really use it now. Yeah. So you just got a I'll bit have of something a payment for the next plan, year. and it's I guess, Yeah. the amount's Yeah. It's like $5 interest over the whole lot, which is not too bad. The banks okay? were not Cool. that much better. Yeah. Yeah. The banks are a bit rough these days, Yeah. especially in comparison to those. So there's not many options, but I just wanted to quickly double check with you if that was Yep. under control. Yeah.","start_word":613,"end_word":811,"sentiment":"neutral","sentiment_score":-0.022359834983944893},{"text":"That's pretty it's pretty good. It's Awesome.","start_word":812,"end_word":818,"sentiment":"positive","sentiment_score":0.6454797983169556},{"text":"alright. On the pages seven and eight, we just got the about you section. And, again, email and phone numbers there. Field services IT, $110. Yep. And we had your your home listed, the ETFs, some savings in the car, and the ATO tax debt. So just making sure there's no major changes there. No. No changes. Sensational. If you go past that, nine 10 have your risk profile. Again, Mhmm. we're not changing risk level. It is high growth. We were just engine tuning the portfolio more than anything, if that rings a Yeah. I think so. bell. Cool. Go to eleven for me if you can, please. You should see a strategy recommendations heading. Yep. Cool. Now this big wall of text here, just to summarize it for you, what we're doing is we're not looking to change super funds at the moment. We've just been fixing up the investments. Why this is in your best interest is essentially replace an underperforming asset with an overperforming asset, reduce the fee, improve Okay. Yep. the performance. We factored in a ten year projection just to see if that'll leave you in a better position. I'm obviously not projecting out to retirement. There's just too many variables to project out twenty, thirty years, if that makes sense. Yeah. Of course. Cool. Next page is a big table with advantages and disadvantages. And the main thing I wanna point out here is that we're also doing a rebalance. So when some of your investments go up and some of them go down, we're bringing them all back to the main portfolio waiting. So if this was supposed to be 77%, one had gone up to nine, one had gone down to six, we're just bringing them back to that mid level. So Okay. we call that a rebalance on top of the investment switch. Any type of Gotcha. super portfolio, because we're using ETFs, as you know, there's brokerage fees, and that gets factored into the projections as well.","start_word":819,"end_word":1156,"sentiment":"neutral","sentiment_score":0.039045032091747374},{"text":"On top of that, Hub's great with aggregated trading, where if someone's buying what you're selling or selling what you're buying, they can just trade the parcels without charging brokerage fees, and that can reduce it anywhere from zero to 80% I've seen in the past as well. So most investment options you can want, brokerage minimization is great.","start_word":1157,"end_word":1215,"sentiment":"positive","sentiment_score":0.3960919678211212},{"text":"And, again, I'll factor that into the fees. So if you can go to page 14 for me, these are just the last three sorry, four tables here that kind of give you the figures. Hold on a second. Yep. Yep. Now what I wanna show you here is there's a fee comparison table. It should say current recommended in difference there. Now there's no difference Uh-huh. there. Now there's no at the top right, the difference says $0 there. There's no net capital gains tax to pay inside the super from rebalancing or switching the investments, which is great.","start_word":1216,"end_word":1315,"sentiment":"neutral","sentiment_score":0.09932528361678124},{"text":"We Yep. do have a two percent performance difference over five years at the bottom. So it Uh-huh.","start_word":1316,"end_word":1333,"sentiment":"positive","sentiment_score":0.4150734841823578},{"text":"brings you back from sort of nine and a half up to 11 and a half, which is kind of where you wanna be at high growth. You wanna be double digits. Okay. Fair enough. So just doing a little rebalancing that one option switched out, it should help the super by about 20 to $60 over the next five to ten years, but that's just based on, you know, past performance. If anything Yeah. Okay. changes and increases, that'll just expand further and further. Yep.","start_word":1334,"end_word":1419,"sentiment":"neutral","sentiment_score":0.1964619904756546},{"text":"Cool.","start_word":1420,"end_word":1420,"sentiment":"positive","sentiment_score":0.41988369822502136},{"text":"Performance tables on the next page, and I've just shown you there the one, three, five, and ten years. The main thing I wanna point out here is that while the current portfolio is doing double digits over three and ten years, it's not over one and five. I just wanna get you that consistency across periods just to make sure you've got the biggest chance of hitting double digits at any time period and any economic period as well. Okay. Sounds good. Last two is the investments table red heading, blue table after that, and it just kind Yep. of shows you what I'm thinking of switching around. Okay. Target weight is the second last column. You should see the round percentage figures in that one where it's got 7%, the zero, the seven, the seven. Yep. Basically, what we're doing is that second one, Bennelong, that's being sold out of. Everything else is being slightly rebalanced back to the original weightings. And at the bottom, Alfiniti is your replacement option for Benelon. And the Okay. main difference there is it goes from a 1% fee to a 0.9, and it has been outperforming the Aussie market over one, three, five, and ten years. So you go from, again, someone who's been underperforming consistently to someone who's been overperforming on every time period. Okay.","start_word":1421,"end_word":1645,"sentiment":"neutral","sentiment_score":0.09153800467650096},{"text":"Sounds good. Everything else looked great, honestly. The gold option's been doing fantastic. You've got even some of the Asian shares, battery tech and lithium. The old electric vehicles has been soaring up really well. So I think everything inside the portfolio looks good except for that one. And, again, switch that out, bring it back to normal, and I think you should be pretty sweet going forward.","start_word":1646,"end_word":1713,"sentiment":"positive","sentiment_score":0.538347601890564},{"text":"Yep. Yeah. I think the rest of it was doing pretty good from what we talked Yeah. Even about the cybersecurity, which was lagging last for a while with all the AI issues going time. on, they've now increased too. So Right. Okay. everything has gone back up into you know, most Mhmm. of them have been hitting double digits too. That's pretty good. So that's what I'm thinking. There's a cash account there that has to has to be 1.25% minimum for Hub just to Okay. maintain transactions. So what's And the current value of the portfolio? $1.75? one sec. So $1.75, that doesn't include the cash of 2,000. So that should be about $1.77, $1.78 at the moment. Okay. That's just when we put the research together a couple of weeks ago. Yep. I'll hop in the hub and give you an updated balance for today. Bear Yeah. with I me haven't for logged two in to Hub yet. secs. Yeah. It's floating between $1.76, $1.77. You got Okay. the Cool. unit prices updated, I think, 3PM. Right. Okay. So it's too good. Cool. Last one for you is if you just keep going down, you'll see the asset allocation chart there. Yep. And that just basically goes over again, making sure we're above 90% in growth assets. The middle row in gray, 90% Yep. is the target. You're sitting at 92. You'll basically still be around 92. We're not doing any major drastic switches. We're not completely overhauling an asset class. We're just tuning them up Okay. Yeah.","start_word":1714,"end_word":1974,"sentiment":"neutral","sentiment_score":0.06873984592056823},{"text":"Gotcha. Sounds good to again. me. Cool. And that's pretty much it.","start_word":1975,"end_word":1986,"sentiment":"positive","sentiment_score":0.4579315781593323},{"text":"The last pages go through power of attorney and why you should have one of those. We've Mhmm. also just reiterated our advice service fees at the back there. And in terms of implementation, if you're happy with this, basically, just give the authority to proceed a sign at the bottom, and there's a a multiline actually, if you can go to page 25 for me, I'll just show you the multiline for a One second. second. Yep. So where it's got the signatures there, it's got two paragraphs above it.","start_word":1987,"end_word":2077,"sentiment":"neutral","sentiment_score":0.11137715727090836},{"text":"The first one is basically saying, I'm happy to go Mhmm. ahead with all of the recommendations.","start_word":2078,"end_word":2094,"sentiment":"positive","sentiment_score":0.3663479685783386},{"text":"The second one is if you wanna make any variations to the advice. And Okay. if you're happy with what I've come up with, just put an NA in that multiline box just below it. Okay. Let me do that now.","start_word":2095,"end_word":2135,"sentiment":"neutral","sentiment_score":0.15027830004692078},{"text":"Cool.","start_word":2136,"end_word":2136,"sentiment":"positive","sentiment_score":0.3905709981918335},{"text":"I think I found it. It's loading. If it does that old spinning circle, it'll probably say you'll get a signed copy for your records. I think there's usually a button to download them as well. I'll Okay. hop on here and have a look. And I Yeah. don't believe there's anything else to sign, but you should you might have to skip through to next document, next document, next document to skip through those other four, and then it will have a validate button at the end. Yeah. It's just loading. There's not much reception where I am here, so we'll see if it works. That's alright. Outside of that, mate, any questions on the server so far? No. I think we covered most of it last time and this time, I guess. Cool. And outside of that, I was gonna pencil in to catch up with you before Christmas just to review the insurances. Do you want me to still put that in to to catch up with you around that sort of November period or just wait for the annual review? What would be your preference? Just wait for the annual review. There's no rush on that. Yep.","start_word":2137,"end_word":2337,"sentiment":"neutral","sentiment_score":0.070717588215325},{"text":"Easy done.","start_word":2338,"end_word":2339,"sentiment":"positive","sentiment_score":0.49556881189346313},{"text":"So I'll put in there for the twelve month contact. If anything pops up in between any major changes again, just a quick call through to reception there. They'll get you booked in with me, and we can update whatever we need to. Yeah. No. Easy as, mate.","start_word":2340,"end_word":2387,"sentiment":"neutral","sentiment_score":0.1353020966053009},{"text":"Sounds good. Cool. Alrighty, man. You have a fantastic week.","start_word":2388,"end_word":2397,"sentiment":"positive","sentiment_score":0.6267760396003723},{"text":"I'm just gonna double check that this has come through okay. It still Again says loading. You probably have to do yeah. that when I get home. The old spinning circle can sometimes take up to a couple of minutes there, especially Yeah. with how bulky those other documents are. Sometimes it says it's quite large as a data pack. Right. Yeah. I'll keep an eye on it. It's just not it's done it actually now, so you should be able to see it. Yep. That's come through.","start_word":2398,"end_word":2485,"sentiment":"neutral","sentiment_score":0.00913472380489111},{"text":"Cool. Amazing. Thank you so much for that, mate.","start_word":2486,"end_word":2494,"sentiment":"positive","sentiment_score":0.7080838084220886},{"text":"The other thing too, just to sort of cap off with, was the Hub 24 login. Did you need any extra resetting of that one, or do you think you can get into that okay? Yeah. I don't need it right now. I think you reset it last time. I'm not sure if it'll be invalid yet. I can't remember if I actually changed it, but I'll reach out if I need it and I can't get in. Yeah.","start_word":2495,"end_word":2573,"sentiment":"neutral","sentiment_score":-0.08691232274227505},{"text":"Cool.","start_word":2574,"end_word":2574,"sentiment":"positive","sentiment_score":0.3917330503463745},{"text":"Most of that is just the old, like, forgot password reset tends to do it as well, but any trouble, just give us a buzz. Yeah. Yeah.","start_word":2575,"end_word":2601,"sentiment":"neutral","sentiment_score":0.08116907626390457},{"text":"Easy. I'm fine with it. Awesome, Steve, mate. Thank you so much for your time today. I will touch base again soon, and have a fantastic week. Yeah. No worries. You too, man. Thanks for your help. No worries at all. Anytime, Cheers. mate. See you later. Have a good one.","start_word":2602,"end_word":2652,"sentiment":"positive","sentiment_score":0.6594371199607849},{"text":"Bye. Bye.","start_word":2653,"end_word":2654,"sentiment":"neutral","sentiment_score":0.23768049478530884}],"average":{"sentiment":"neutral","sentiment_score":0.11189845606308352}}}}