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Just before I go any further, I do need to confirm and let you know that our calls are recorded for quality and coaching purposes. Is that okay? Thank you, James. Can I please also ask for you to confirm your full name, date of birth, and address? Thanks. Fantastic. Thanks, James. I'm calling to talk through that advice about your superannuation portfolio. Do you have any time do you have time now? Oh, fantastic. I know you're driving. Are you are you are you sure it's okay to proceed? Yes? Alright. Alright. Fantastic. What I've done is I have actually emailed you the advice document. So I'm gonna talk through it And and at when you have the opportunity to I'd ask that you review it before proceeding, if that's okay. Lovely. Okay. So the document itself is called a statement of advice. It contains all the advice that we are recommending in relation to your stated goals and objectives. There's a cover page which just outlines that I'm the one providing the advice to you through Oakview Financial, and there's a table of contents and the what it what we call our duty of best interest. So that means that any advice that we provide to you needs to be in your best interests and suit your circumstances. Within that, this statement of advice has several goals. The ones that we're addressing in this advice document is reviewing your superannuation and investing in ethical and green options with a minimum of 80% allocated, possibly 100%. You have also said that you're comfortable with your levels of life and TPD insurance. You don't wanna look at trauma insurance, but in our review, I did highlight that you had no income protection and being self employed, if anything was to happen to you due to injury or illness, that could come into play. And you said, have a look at that. And, also, a general recommendation that we make for all clients that don't have them is to arrange a will and power of attorney. So that's what we're covering in this document. The goals that we're not we're not covering at this time is retirement goals simply because it's a significant period of time away. We don't need to address that as yet. And your savings of 150 a week continues to go to your opposite account along with the raising and renovation of your home. Throughout the document, the advice is provided based on the information you've provided us through recent review. I'm also not a legal practitioner, so I can't do wills or attorneys. They do need to be done by a wills or powers of attorney. They do need to be done by a solicitor. So any questions so far? No? Wonderful. Thank you. The next section in the document when you do navigate through it is the about you section. So this is the information that I confirmed in the annual review with you. So income, employment, lifestyle, and assets, liabilities, superannuation, and current insurances. In our review, we talked about your risk profile, and that's the allocation of growth assets to defensive assets, you may recall. And we you agreed that you would like to stay as a high growth investor, which means typically, we'd see 90% of your assets allocated to gross being shares, listed property, and 10% of defensive assets such as cash and fixed interest, for example. Yep. The next part is the actual strategy. So I there's probably two elements to the strategy and the advice I've provided. I looked at your goal of ethical and green type of investments. There's a portfolio that is not. The reason I did that is your superannuation goal is to obvious obviously for growth, but also the green I took in the ethical option. So I took into account both goals, which are clearly different. I've considered two options. My recommendation is actually to not go with an ethical portfolio, and the reason for that is you are, in the long term, going to lose out on growth opportunities, which could impact your retirement goals. However, I've still included that ethical portfolio in there for you to consider as well. So it is entirely up to you. My my recommendation is to put you in a better financial position, but I've also taken into account your desire to go for a ethical green portfolio and included that as well. So any questions about that before I dig a bit deeper? So what I've so, basically, what I've done is I've compared the investment portfolio that I'm recommending, which is an OVLA high growth portfolio, versus the ethical portfolio that we've put together. To go the ethical portfolio, excuse me, you will realize higher capital gains tax. So that means we sell down the assets in your current portfolio, and the superannuation fund will incur a capital gains, which they'll pay. That's about $1,300 rounded up versus by changing to the OVLA high growth strategy around $203 capital gains. The the portfolio as well that I've recommended over the ethical is approximately $50 cheaper a year, which isn't much near here nor here nor there. It's just a consideration for you to consider. So what I have done is in within the statement of advice, it does recommend that the portfolio that is not the ethical option. But in the appendix, which is the second document that you'll have access to, that includes all the information for the ethical portfolio. So the advantages and disadvantages are gonna be very similar to both. When we the disadvantages are obviously, with the one that I've recommended, it's not gonna align with your ethical goals and objectives. Both of them are gonna incur some brokerage costs when we do transact on the account to replace underperforming assets or go the ethical pathway. And there is gonna be capital gains regardless of what what decisions made. It it will just vary to those figures that I mentioned before. Yeah. So the the strategy there outlines that with your the the non ethical portfolio that I've recommended, you're gonna save approximately $388 a year in fees. And in ten years oh, in five years' time, the projected balance for your difference is about 37,500. And in ten years' time, it's about a 101,000. So the projections for that in the difference compared to right now by changing your investment options and, obviously, continuing with the regular reviews because that's the important part as well. It will also show on page 20 the breakdown of the investment options that I've recommended. There is somewhat similar to what you're currently invested in, just a little bit more exposure to different economies like Europe, increasing your exposure to Europe, removing your exposure to Asia at this point in time, and excuse me. And just diversifying that portfolio a little bit further. The portfolio I've recommended is in line with your risk profile, so you end up about 93% in growth assets, 7% in defensive assets, which is at ninety ten variance given your age and 20 I think it was twenty eight years to retirement. Sorry. I thought it skipped my mind. You you have the time to be able to withstand those variations. Does that make sense? Yep. What I'm gonna do is I'm gonna jump to the appendix just to talk through the difference in the ethical investment. So with the so that's the portfolio I have recommended based on financial outcomes. Now the ethical investment analysis is in the appendix and contains the same information. So you will have a fee saving of approximately $335 per year. Your projected lump sum your projected balance in five years' time is about an additional $13,500, and in ten years' time, it's about $36,000. So that's one of the main reasons I've recommended the other portfolio because financially, it's gonna help you have access to more growth options over the longer term. Again, it comes down to your decision, and I didn't make that recommendation lightly to knowing that your goal was specifically for invest for ethical investment options. So that's why I have included both for you to make an informed decision. That's okay. And, again, that ethical portfolio is gonna see you invested in line with your high growth portfolio. You'll have about 89% in gross assets and about 11% in defensive assets. So they're both in there just in different parts of the document. The next recommendation is to apply for income protection. So this is, as I mentioned in our review, to cover you if you're unable to work due to sickness or injury. What that means is I've recommended a monthly benefit of $4,083, and that's 70% of your income that you confirmed to me, your taxable income in our review. Your waiting period is thirty days, so that means you have to be unable to work for thirty days, and then your benefit will kick in. So I I kind of compare it to, like, a car excess. If you have a claim, it's it's your excess. So it's the number of instead of a financial excess, it's the number of days you need to wait, and then your benefit period of six years. So that's how long you are eligible to be paid for should you be unable to work due to injury or illness depending on, you know, the severity of it. So the cost of that is I've recommended to be funded from your superannuation fund so it doesn't impact your personal cash flow. Your superannuation fund will count claim it as a tax deduction. So that's beneficial to your superannuation fund in that respect, but it also does impact the the balance over the long term. So any insurance paid for out of your super does deplete the balance in the long term, which is probably also why I have gone with the recommendation of the non ethical portfolio to ensure that it your funds aren't depleted too quickly. So there is there's a table in there that does show the premium and the five and ten year impact and how having the insurance in there will cost about $17,000 life overall over ten years. It will impact your 16,000 portfolio over that ten years, having your life your existing life and TPD as well as your income protection. Any questions about the income protection or anything I've said so far? Yeah. Okay. I have also recommended establishing a will, which in here just outlines the advantages and disadvantages, which is, you know, your estate will be distributed as per your wishes. If you die without a will, it does leave your wife and daughter without access to assets longer as it will need to go through the public trustee. So it's it's something that you should definitely look at. And a power of attorney, which I explained previously that I kind of explain it as a living will. So you're giving someone the authority to make decisions financially and health wise if we are unable to make them. So we automatically assume it's our spouse, but that's actually not the case legally. You do need to nominate it. Your our ongoing services is in here, so nothing's changed there. So we complete that in your reviews. If any of your circumstances change at any time or you need further advice, you reach out, and that's that's what your ongoing fee covers that we spoke about in your previous review. Now remuneration wise, we get paid a commission from the insurance company. So that's not an additional cost to you. So if you do take out that one path policy, Oakview will receive approximately $772 for the establishment of that policy and ongoing $257 a year for that policy. Your adviser fee remains the same, $1,554 a year, which is deducted from your super fund, So no changes there. We if you wish to implement the advice, we would there's a section within the document that you sign, which I'll move to in a moment, and then we proceed with changing your superannuation investments as per your directions. With the income protection, it will be someone from our team will contact you to complete to run you through the process of the application and complete that with you. For the income protection, as mentioned, you'll need to go through the underwriting process again. However, I think when we spoke last time, you said you're relatively healthy with no no issues, so I don't see that being an issue. And then lastly, consult with a lawyer to organize your wills and powers of attorney when you're able to. Page 40 of the yep. Yeah. I yes. Because I am. That's right. Yeah. Yep. Yeah. So they can do everything that, like, the way we do it with you. So they can do it over the phone and virtually with you to make it nice and easy. Yeah. Absolutely. Send them an email or give them a phone call, whatever works best for you, and let them know that you're a client of Oakview Financial and you've been referred to them, and they will work with you to get your your matters addressed. Page 40 of the statement advice is the authority section. So when you decide when you've had the opportunity to review the document and decide which portfolio you would like to proceed with, there's a electronic signature option. You'll note above the electronic signature section that there's a box for you to write text in. What I do ask is if in that before you do sign in that text area, if you articulate this is where if you wanna make changes. So if you can write which portfolio you would like to go with so that we make sure that it is actually implemented as per your actual wishes. So whether it be the ethical portfolio or the alternative portfolio, and also if you wish to proceed with the income protection once you've had a chance to review that. That will then let us know what to action on your behalf, and the implementation process will then begin from there. Any questions about okay. Beautiful. Mhmm. Okay. So if you go to page 20, this is gonna give us a table of what's what would change. Or page 21, actually, I think it is. It should be a heading called investments for the table. You're absolutely fine. Take your time. That you yes. Yeah. So it'll be the same process as the review documents. So you you click the option that says sign here or click here to sign. You're not signing anything there. We're just same as the review, just going over the documents. So so the first document should be the statement of advice and that if you go to page twenty twenty one, there should be an investments option table there. It should be the first document. So if you navigate back to the first document, you you have to scroll because it is a rather large document. Okay. They've hang on a second. It looks like the wrong one's been sent to you. Give me one second. Sorry about that, James. I'm just gonna jump in. Alright. Let me try this again. Request. Alright. I'm hitting send on it again. Let me know when you received that one through. No. I can hear you. That's fine. Beautiful. So page 20 or 21 in that document. Yep. Yep. So we're gonna be removing completely out of that Benelong Australian Equities Fund that we discussed. So that was the underperforming one. We are also gonna move out of the battery tech and lithium as well as the global agriculture. And the purpose of that was I took into account the ethical approach you wanted to take and tried to look at a portfolio that will still provide provide growth but be as friendly as possible if that makes sense. So yeah. So we're still remaining the site keeping the cybersecurity asset, the BetaShares cybersecurity. It's performing well. We're you'll see we're taking a little bit out of that asset to just rebalance back to your high growth. We're removing ourselves completely from the iShares Asia, and we are increasing the assets to iShares Europe. So increasing our exposure to the Europe market. We are also increasing our exposure a little bit to The US market with the iShares S and P 500. We we are removing the Global Health and Vanguard diversified index and spreading those funds out across the remaining investments in the portfolio. So you'll see that we're still holding some Japan exposure, which is why we've removed to Asia because we don't want to double up there. We're keeping the beta shares or sorry. We're implementing the beta shares Australian 200. That's the replacement for the Benelon Australian equities that was underperforming. And we're we're buying into some physical gold, which provides a little bit of a defensive asset in the portfolio depending on how the market behaves. Gold can be quite a good little defensive asset. And the iShares at the bottom core composite bonds, that's the recommended replacement for the bank hybrid investment option that I spoke to you about in the review that's gonna be phased out from January 2027. So as I mentioned, the ethical portfolio is in the second document that's after this one. If you did you want me to I'll talk through I've got well, I'll just open that up. So that document's called the appendix. So when you've got the appendix, if you keep scrolling, you should it should take you down to the appendix. Oh, okay. It shouldn't do that. It should is there an arrow across the top that yep. Perfect. I'm just opening it up on my screen. My computer is not playing friendly today. So what this contains so the first part of it is just a it's a table that outlines your the different risk profiles. So you're a high growth risk profile. So that's second in from the right, and you'll see the ninety ten split. So it just explains typically how we invest your funds across the different sectors in the market. The important information about this SOA that I do need to visit is that the contents of the SOA are act as accurate and as possible based on the information that you've provided with us, and that you do need to make a decision on the recommendations within this SOA within sixty days of the date of it. Because after that period of time, we'll need to redo it just based on the fact that client's financial and personal situations are likely to change in that time. So there is a currency in relation to that. The there is also a page that has the link to all the investment options that I've recommended. So you can click on those and read through the product disclosure statements there. And then following that is the ethical investment analysis. So it will show you a fee table. So current versus the recommended. So this is if you were to go with the ethical investment option, you will see that there's a fee saving in the right hand column. That figure that negative figure at the top is the capital gains tax that will be applied when we will will be realized when we sell down the portfolio and invest, and then the fees in that right hand column are the difference. So you're definitely gonna have a fee saving. Your insurance premiums are gonna increase because of the income protection, which is that negative figure there of $994, and the overall fee savings 335. The table below that is the projected balance. So the lump sum in five years, your current balance, if we remain invested as we currently are, is projected out to be a 122,000. In the ethical portfolio, it would be 135,000 and the same for ten years. So that's how that is calculated. The green figure being the total difference. So when you have the opportunity to go back through the SOA, you can look at the same table for the not ethical portfolio option and see the difference there. And then the next page just shows you the annualized investment returns. So what we've done here is your current portfolio, what you're currently in, the recommended portfolio, which is the one that I have actually recommended, and then the ethical portfolio. So it just shows you the returns, the historical returns over the long term, which obviously are no indication for future performance, but we do look at it as a guide to the quality of the investment managers within the portfolio And the investment options of the ethical portfolio are listed there. So you'd have ethically con the Vanguard ethically conscious Australian shares fund, the ethical world excluding Australia's shares, so that would be your international. Some global sustainability would still include the cybersecurity for a growth element. The BetaShares Electric Vehicles and Future Mobility Fund, some global agriculture, as well as some emerging markets that are carbon aware they're carbon aware focused, And then again, your defensive portfolio, which isn't an ethical option being that, again, the iShares care core composite bond. So that's in replacement of the hybrid investment option. Again, following that, your proposed asset allocation will be within line will be in line with your high risk growth portfolio. And the final page on that is well, not the final. It's a bit of a blurb there on how we calculate our investment returns, and it explains how that is done. And then the last couple of pages are about the insurance. So we did look at a few other insurance companies for your income protection being OnePath, Encompass, Clearview, and Ascender with what those premiums are. And then there's information for you to read about holding insurance through superannuation, which I I believe you're probably already aware of because you hold the life and TPD insurance through super. So that's the impacts of it. So as I mentioned earlier, the impact to the balance, as long as we review it every year and make sure it's in line with your needs, we can make changes as needed, decrease or increase just to make sure that you're you're adequately protected. Any questions about that huge amount of information I've just downloaded to you? Yep. Yep. Yep. Okay. Yep. Yep. Okay. That's absolutely fine. I I I completely understand the the view of going ethical. I consider that myself in my own portfolio. I I feel for the the impact of insurance premiums and the long term growth. I did have to make the difficult decision. I know some clients don't like it, which is why I always give the alternative so you can actually make a fully informed decision. Because, ultimately, it is your funds, and it and it is yours to do and invest how you wish. So I'm here just to give you the information for you to be able to make that decision. Yeah. So if you when if you wanna take some time to review it, the only thing I do ask is in that text box in this SOA section, it's just right in there if you are gonna what so what portfolio you wanna go with. So you can just write non ethical or ethical option, please. And if you're happy to also proceed with the income protection so we can get the team to be in contact and start that process. Okay. Any other questions at all that I can help? Or, I mean, even if you have any questions later today or tomorrow, just give me a call. But yeah. And I will wait to receive your instructions, and we can then go from there. Alright, James. Well, thank you so much for your time this morning. I really do appreciate it. You're right. Have a great day. And, again, any questions, please feel free to call me. Thanks. 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Hi, James. It's Jenna here from Oakview Financial. How are you today? I'm well.\n\nI'm well. Just before I go any further, I do need to confirm and let you know that our calls are recorded for quality and coaching purposes. Is that okay? Thank you, James. Can I please also ask for you to confirm your full name, date of birth, and address?\n\nThanks. Fantastic. Thanks, James. I'm calling to talk through that advice about your superannuation portfolio. Do you have any time do you have time now?\n\nOh, fantastic. I know you're driving. Are you are you are you sure it's okay to proceed? Yes? Alright.\n\nAlright. Fantastic. What I've done is I have actually emailed you the advice document. So I'm gonna talk through it And and at when you have the opportunity to I'd ask that you review it before proceeding, if that's okay. Lovely.\n\nOkay. So the document itself is called a statement of advice. It contains all the advice that we are recommending in relation to your stated goals and objectives. There's a cover page which just outlines that I'm the one providing the advice to you through Oakview Financial, and there's a table of contents and the what it what we call our duty of best interest. So that means that any advice that we provide to you needs to be in your best interests and suit your circumstances.\n\nWithin that, this statement of advice has several goals. The ones that we're addressing in this advice document is reviewing your superannuation and investing in ethical and green options with a minimum of 80% allocated, possibly 100%. You have also said that you're comfortable with your levels of life and TPD insurance. You don't wanna look at trauma insurance, but in our review, I did highlight that you had no income protection and being self employed, if anything was to happen to you due to injury or illness, that could come into play. And you said, have a look at that.\n\nAnd, also, a general recommendation that we make for all clients that don't have them is to arrange a will and power of attorney. So that's what we're covering in this document. The goals that we're not we're not covering at this time is retirement goals simply because it's a significant period of time away. We don't need to address that as yet. And your savings of 150 a week continues to go to your opposite account along with the raising and renovation of your home.\n\nThroughout the document, the advice is provided based on the information you've provided us through recent review. I'm also not a legal practitioner, so I can't do wills or attorneys. They do need to be done by a wills or powers of attorney. They do need to be done by a solicitor. So any questions so far?\n\nNo? Wonderful. Thank you. The next section in the document when you do navigate through it is the about you section. So this is the information that I confirmed in the annual review with you.\n\nSo income, employment, lifestyle, and assets, liabilities, superannuation, and current insurances. In our review, we talked about your risk profile, and that's the allocation of growth assets to defensive assets, you may recall. And we you agreed that you would like to stay as a high growth investor, which means typically, we'd see 90% of your assets allocated to gross being shares, listed property, and 10% of defensive assets such as cash and fixed interest, for example. Yep. The next part is the actual strategy.\n\nSo I there's probably two elements to the strategy and the advice I've provided. I looked at your goal of ethical and green type of investments. There's a portfolio that is not. The reason I did that is your superannuation goal is to obvious obviously for growth, but also the green I took in the ethical option. So I took into account both goals, which are clearly different.\n\nI've considered two options. My recommendation is actually to not go with an ethical portfolio, and the reason for that is you are, in the long term, going to lose out on growth opportunities, which could impact your retirement goals. However, I've still included that ethical portfolio in there for you to consider as well. So it is entirely up to you. My my recommendation is to put you in a better financial position, but I've also taken into account your desire to go for a ethical green portfolio and included that as well.\n\nSo any questions about that before I dig a bit deeper? So what I've so, basically, what I've done is I've compared the investment portfolio that I'm recommending, which is an OVLA high growth portfolio, versus the ethical portfolio that we've put together. To go the ethical portfolio, excuse me, you will realize higher capital gains tax. So that means we sell down the assets in your current portfolio, and the superannuation fund will incur a capital gains, which they'll pay. That's about $1,300 rounded up versus by changing to the OVLA high growth strategy around $203 capital gains.\n\nThe the portfolio as well that I've recommended over the ethical is approximately $50 cheaper a year, which isn't much near here nor here nor there. It's just a consideration for you to consider. So what I have done is in within the statement of advice, it does recommend that the portfolio that is not the ethical option. But in the appendix, which is the second document that you'll have access to, that includes all the information for the ethical portfolio. So the advantages and disadvantages are gonna be very similar to both.\n\nWhen we the disadvantages are obviously, with the one that I've recommended, it's not gonna align with your ethical goals and objectives. Both of them are gonna incur some brokerage costs when we do transact on the account to replace underperforming assets or go the ethical pathway. And there is gonna be capital gains regardless of what what decisions made. It it will just vary to those figures that I mentioned before. Yeah.\n\nSo the the strategy there outlines that with your the the non ethical portfolio that I've recommended, you're gonna save approximately $388 a year in fees. And in ten years oh, in five years' time, the projected balance for your difference is about 37,500. And in ten years' time, it's about a 101,000. So the projections for that in the difference compared to right now by changing your investment options and, obviously, continuing with the regular reviews because that's the important part as well. It will also show on page 20 the breakdown of the investment options that I've recommended.\n\nThere is somewhat similar to what you're currently invested in, just a little bit more exposure to different economies like Europe, increasing your exposure to Europe, removing your exposure to Asia at this point in time, and excuse me. And just diversifying that portfolio a little bit further. The portfolio I've recommended is in line with your risk profile, so you end up about 93% in growth assets, 7% in defensive assets, which is at ninety ten variance given your age and 20 I think it was twenty eight years to retirement. Sorry. I thought it skipped my mind.\n\nYou you have the time to be able to withstand those variations. Does that make sense? Yep. What I'm gonna do is I'm gonna jump to the appendix just to talk through the difference in the ethical investment. So with the so that's the portfolio I have recommended based on financial outcomes.\n\nNow the ethical investment analysis is in the appendix and contains the same information. So you will have a fee saving of approximately $335 per year. Your projected lump sum your projected balance in five years' time is about an additional $13,500, and in ten years' time, it's about $36,000. So that's one of the main reasons I've recommended the other portfolio because financially, it's gonna help you have access to more growth options over the longer term. Again, it comes down to your decision, and I didn't make that recommendation lightly to knowing that your goal was specifically for invest for ethical investment options.\n\nSo that's why I have included both for you to make an informed decision. That's okay. And, again, that ethical portfolio is gonna see you invested in line with your high growth portfolio. You'll have about 89% in gross assets and about 11% in defensive assets. So they're both in there just in different parts of the document.\n\nThe next recommendation is to apply for income protection. So this is, as I mentioned in our review, to cover you if you're unable to work due to sickness or injury. What that means is I've recommended a monthly benefit of $4,083, and that's 70% of your income that you confirmed to me, your taxable income in our review. Your waiting period is thirty days, so that means you have to be unable to work for thirty days, and then your benefit will kick in. So I I kind of compare it to, like, a car excess.\n\nIf you have a claim, it's it's your excess. So it's the number of instead of a financial excess, it's the number of days you need to wait, and then your benefit period of six years. So that's how long you are eligible to be paid for should you be unable to work due to injury or illness depending on, you know, the severity of it. So the cost of that is I've recommended to be funded from your superannuation fund so it doesn't impact your personal cash flow. Your superannuation fund will count claim it as a tax deduction.\n\nSo that's beneficial to your superannuation fund in that respect, but it also does impact the the balance over the long term. So any insurance paid for out of your super does deplete the balance in the long term, which is probably also why I have gone with the recommendation of the non ethical portfolio to ensure that it your funds aren't depleted too quickly. So there is there's a table in there that does show the premium and the five and ten year impact and how having the insurance in there will cost about $17,000 life overall over ten years. It will impact your 16,000 portfolio over that ten years, having your life your existing life and TPD as well as your income protection. Any questions about the income protection or anything I've said so far?\n\nYeah. Okay. I have also recommended establishing a will, which in here just outlines the advantages and disadvantages, which is, you know, your estate will be distributed as per your wishes. If you die without a will, it does leave your wife and daughter without access to assets longer as it will need to go through the public trustee. So it's it's something that you should definitely look at.\n\nAnd a power of attorney, which I explained previously that I kind of explain it as a living will. So you're giving someone the authority to make decisions financially and health wise if we are unable to make them. So we automatically assume it's our spouse, but that's actually not the case legally. You do need to nominate it. Your our ongoing services is in here, so nothing's changed there.\n\nSo we complete that in your reviews. If any of your circumstances change at any time or you need further advice, you reach out, and that's that's what your ongoing fee covers that we spoke about in your previous review. Now remuneration wise, we get paid a commission from the insurance company. So that's not an additional cost to you. So if you do take out that one path policy, Oakview will receive approximately $772 for the establishment of that policy and ongoing $257 a year for that policy.\n\nYour adviser fee remains the same, $1,554 a year, which is deducted from your super fund, So no changes there. We if you wish to implement the advice, we would there's a section within the document that you sign, which I'll move to in a moment, and then we proceed with changing your superannuation investments as per your directions. With the income protection, it will be someone from our team will contact you to complete to run you through the process of the application and complete that with you. For the income protection, as mentioned, you'll need to go through the underwriting process again. However, I think when we spoke last time, you said you're relatively healthy with no no issues, so I don't see that being an issue.\n\nAnd then lastly, consult with a lawyer to organize your wills and powers of attorney when you're able to. Page 40 of the yep. Yeah. I yes. Because I am.\n\nThat's right. Yeah. Yep. Yeah. So they can do everything that, like, the way we do it with you.\n\nSo they can do it over the phone and virtually with you to make it nice and easy. Yeah. Absolutely. Send them an email or give them a phone call, whatever works best for you, and let them know that you're a client of Oakview Financial and you've been referred to them, and they will work with you to get your your matters addressed. Page 40 of the statement advice is the authority section.\n\nSo when you decide when you've had the opportunity to review the document and decide which portfolio you would like to proceed with, there's a electronic signature option. You'll note above the electronic signature section that there's a box for you to write text in. What I do ask is if in that before you do sign in that text area, if you articulate this is where if you wanna make changes. So if you can write which portfolio you would like to go with so that we make sure that it is actually implemented as per your actual wishes. So whether it be the ethical portfolio or the alternative portfolio, and also if you wish to proceed with the income protection once you've had a chance to review that.\n\nThat will then let us know what to action on your behalf, and the implementation process will then begin from there. Any questions about okay. Beautiful. Mhmm. Okay.\n\nSo if you go to page 20, this is gonna give us a table of what's what would change. Or page 21, actually, I think it is. It should be a heading called investments for the table. You're absolutely fine. Take your time.\n\nThat you yes. Yeah. So it'll be the same process as the review documents. So you you click the option that says sign here or click here to sign. You're not signing anything there.\n\nWe're just same as the review, just going over the documents. So so the first document should be the statement of advice and that if you go to page twenty twenty one, there should be an investments option table there. It should be the first document. So if you navigate back to the first document, you you have to scroll because it is a rather large document. Okay.\n\nThey've hang on a second. It looks like the wrong one's been sent to you. Give me one second. Sorry about that, James. I'm just gonna jump in.\n\nAlright. Let me try this again. Request. Alright. I'm hitting send on it again.\n\nLet me know when you received that one through. No. I can hear you. That's fine. Beautiful.\n\nSo page 20 or 21 in that document. Yep. Yep. So we're gonna be removing completely out of that Benelong Australian Equities Fund that we discussed. So that was the underperforming one.\n\nWe are also gonna move out of the battery tech and lithium as well as the global agriculture. And the purpose of that was I took into account the ethical approach you wanted to take and tried to look at a portfolio that will still provide provide growth but be as friendly as possible if that makes sense. So yeah. So we're still remaining the site keeping the cybersecurity asset, the BetaShares cybersecurity. It's performing well.\n\nWe're you'll see we're taking a little bit out of that asset to just rebalance back to your high growth. We're removing ourselves completely from the iShares Asia, and we are increasing the assets to iShares Europe. So increasing our exposure to the Europe market. We are also increasing our exposure a little bit to The US market with the iShares S and P 500. We we are removing the Global Health and Vanguard diversified index and spreading those funds out across the remaining investments in the portfolio.\n\nSo you'll see that we're still holding some Japan exposure, which is why we've removed to Asia because we don't want to double up there. We're keeping the beta shares or sorry. We're implementing the beta shares Australian 200. That's the replacement for the Benelon Australian equities that was underperforming. And we're we're buying into some physical gold, which provides a little bit of a defensive asset in the portfolio depending on how the market behaves.\n\nGold can be quite a good little defensive asset. And the iShares at the bottom core composite bonds, that's the recommended replacement for the bank hybrid investment option that I spoke to you about in the review that's gonna be phased out from January 2027. So as I mentioned, the ethical portfolio is in the second document that's after this one. If you did you want me to I'll talk through I've got well, I'll just open that up. So that document's called the appendix.\n\nSo when you've got the appendix, if you keep scrolling, you should it should take you down to the appendix. Oh, okay. It shouldn't do that. It should is there an arrow across the top that yep. Perfect.\n\nI'm just opening it up on my screen. My computer is not playing friendly today. So what this contains so the first part of it is just a it's a table that outlines your the different risk profiles. So you're a high growth risk profile. So that's second in from the right, and you'll see the ninety ten split.\n\nSo it just explains typically how we invest your funds across the different sectors in the market. The important information about this SOA that I do need to visit is that the contents of the SOA are act as accurate and as possible based on the information that you've provided with us, and that you do need to make a decision on the recommendations within this SOA within sixty days of the date of it. Because after that period of time, we'll need to redo it just based on the fact that client's financial and personal situations are likely to change in that time. So there is a currency in relation to that. The there is also a page that has the link to all the investment options that I've recommended.\n\nSo you can click on those and read through the product disclosure statements there. And then following that is the ethical investment analysis. So it will show you a fee table. So current versus the recommended. So this is if you were to go with the ethical investment option, you will see that there's a fee saving in the right hand column.\n\nThat figure that negative figure at the top is the capital gains tax that will be applied when we will will be realized when we sell down the portfolio and invest, and then the fees in that right hand column are the difference. So you're definitely gonna have a fee saving. Your insurance premiums are gonna increase because of the income protection, which is that negative figure there of $994, and the overall fee savings 335. The table below that is the projected balance. So the lump sum in five years, your current balance, if we remain invested as we currently are, is projected out to be a 122,000.\n\nIn the ethical portfolio, it would be 135,000 and the same for ten years. So that's how that is calculated. The green figure being the total difference. So when you have the opportunity to go back through the SOA, you can look at the same table for the not ethical portfolio option and see the difference there. And then the next page just shows you the annualized investment returns.\n\nSo what we've done here is your current portfolio, what you're currently in, the recommended portfolio, which is the one that I have actually recommended, and then the ethical portfolio. So it just shows you the returns, the historical returns over the long term, which obviously are no indication for future performance, but we do look at it as a guide to the quality of the investment managers within the portfolio And the investment options of the ethical portfolio are listed there. So you'd have ethically con the Vanguard ethically conscious Australian shares fund, the ethical world excluding Australia's shares, so that would be your international. Some global sustainability would still include the cybersecurity for a growth element. The BetaShares Electric Vehicles and Future Mobility Fund, some global agriculture, as well as some emerging markets that are carbon aware they're carbon aware focused, And then again, your defensive portfolio, which isn't an ethical option being that, again, the iShares care core composite bond.\n\nSo that's in replacement of the hybrid investment option. Again, following that, your proposed asset allocation will be within line will be in line with your high risk growth portfolio. And the final page on that is well, not the final. It's a bit of a blurb there on how we calculate our investment returns, and it explains how that is done. And then the last couple of pages are about the insurance.\n\nSo we did look at a few other insurance companies for your income protection being OnePath, Encompass, Clearview, and Ascender with what those premiums are. And then there's information for you to read about holding insurance through superannuation, which I I believe you're probably already aware of because you hold the life and TPD insurance through super. So that's the impacts of it. So as I mentioned earlier, the impact to the balance, as long as we review it every year and make sure it's in line with your needs, we can make changes as needed, decrease or increase just to make sure that you're you're adequately protected. Any questions about that huge amount of information I've just downloaded to you?\n\nYep. Yep. Yep. Okay. Yep.\n\nYep. Okay. That's absolutely fine. I I I completely understand the the view of going ethical. I consider that myself in my own portfolio.\n\nI I feel for the the impact of insurance premiums and the long term growth. I did have to make the difficult decision. I know some clients don't like it, which is why I always give the alternative so you can actually make a fully informed decision. Because, ultimately, it is your funds, and it and it is yours to do and invest how you wish. So I'm here just to give you the information for you to be able to make that decision.\n\nYeah. So if you when if you wanna take some time to review it, the only thing I do ask is in that text box in this SOA section, it's just right in there if you are gonna what so what portfolio you wanna go with. So you can just write non ethical or ethical option, please. And if you're happy to also proceed with the income protection so we can get the team to be in contact and start that process. Okay.\n\nAny other questions at all that I can help? Or, I mean, even if you have any questions later today or tomorrow, just give me a call. But yeah. And I will wait to receive your instructions, and we can then go from there. Alright, James.\n\nWell, thank you so much for your time this morning. I really do appreciate it. You're right. Have a great day. And, again, any questions, please feel free to call me.\n\nThanks. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":5.52,"end":6.02,"sentiment":"neutral","sentiment_score":0.08651737868785858},{"text":"Hi, James.","start":6.08,"end":7.14,"sentiment":"neutral","sentiment_score":0.13506563752889633},{"text":"It's Jenna here from Oakview Financial.","start":7.68,"end":9.76,"sentiment":"neutral","sentiment_score":0.1638301983475685},{"text":"How are you today?","start":9.76,"end":10.74,"sentiment":"neutral","sentiment_score":0.2143891043961048},{"text":"I'm well.","start":13.304999,"end":14.025,"sentiment":"positive","sentiment_score":0.3620876967906952}],"sentiment":"neutral","sentiment_score":0.19475744366645814,"num_words":15,"start":5.52,"end":14.025},{"sentences":[{"text":"I'm well.","start":14.025,"end":14.585,"sentiment":"positive","sentiment_score":0.3817998319864273},{"text":"Just before I go any further, I do need to confirm and let you know that our calls are recorded for quality and coaching purposes.","start":14.585,"end":20.525,"sentiment":"neutral","sentiment_score":0.034138674959540365},{"text":"Is that okay?","start":20.585,"end":21.404999,"sentiment":"neutral","sentiment_score":0.05656332274278005},{"text":"Thank you, James.","start":23.785,"end":24.765,"sentiment":"positive","sentiment_score":0.3491525550683339},{"text":"Can I please also ask for you to confirm your full name, date of birth, and address?","start":26.019999,"end":30.34,"sentiment":"neutral","sentiment_score":0.07153222271624733}],"sentiment":"neutral","sentiment_score":0.0810052391514182,"num_words":50,"start":14.025,"end":30.34},{"sentences":[{"text":"Thanks.","start":30.34,"end":30.84,"sentiment":"neutral","sentiment_score":0.10227228701114656},{"text":"Fantastic.","start":39.699997,"end":40.199997,"sentiment":"positive","sentiment_score":0.6078579425811768},{"text":"Thanks, James.","start":40.685,"end":41.505,"sentiment":"positive","sentiment_score":0.5071804076433182},{"text":"I'm calling to talk through that advice about your superannuation portfolio.","start":41.805,"end":45.985,"sentiment":"neutral","sentiment_score":0.2001265057108619},{"text":"Do you have any time do you have time now?","start":46.045,"end":48.864998,"sentiment":"neutral","sentiment_score":0.054731590673327446}],"sentiment":"neutral","sentiment_score":0.1789279405772686,"num_words":25,"start":30.34,"end":48.864998},{"sentences":[{"text":"Oh, fantastic.","start":51.004997,"end":51.824997,"sentiment":"positive","sentiment_score":0.3563265949487686},{"text":"I know you're driving.","start":53.245,"end":54.385,"sentiment":"neutral","sentiment_score":0.16841904073953629},{"text":"Are you are you are you sure it's okay to proceed?","start":55.559998,"end":58.62,"sentiment":"neutral","sentiment_score":0.08028703047470613},{"text":"Yes?","start":60.199997,"end":60.6,"sentiment":"neutral","sentiment_score":0.05778423696756363},{"text":"Alright.","start":60.6,"end":61.1,"sentiment":"neutral","sentiment_score":0.14735832810401917}],"sentiment":"neutral","sentiment_score":0.13024364490258067,"num_words":19,"start":51.004997,"end":61.1},{"sentences":[{"text":"Alright.","start":61.16,"end":61.48,"sentiment":"neutral","sentiment_score":0.25630107522010803},{"text":"Fantastic.","start":61.48,"end":61.98,"sentiment":"positive","sentiment_score":0.5140929222106934},{"text":"What I've done is I have actually emailed you the advice document.","start":62.359997,"end":66.46,"sentiment":"neutral","sentiment_score":0.21147876605391502},{"text":"So I'm gonna talk through it And and at when you have the opportunity to I'd ask that you review it before proceeding, if that's okay.","start":66.92,"end":81.475,"sentiment":"neutral","sentiment_score":0.11848564804173432},{"text":"Lovely.","start":83.695,"end":84.195,"sentiment":"positive","sentiment_score":0.47957393527030945}],"sentiment":"neutral","sentiment_score":0.16752048718129717,"num_words":41,"start":61.16,"end":84.195},{"sentences":[{"text":"Okay.","start":84.57,"end":84.810005,"sentiment":"neutral","sentiment_score":0.2481096088886261},{"text":"So the document itself is called a statement of advice.","start":84.810005,"end":87.85,"sentiment":"neutral","sentiment_score":0.1607584610581398},{"text":"It contains all the advice that we are recommending in relation to your stated goals and objectives.","start":87.85,"end":94.83,"sentiment":"neutral","sentiment_score":0.1648692663978128},{"text":"There's a cover page which just outlines that I'm the one providing the advice to you through Oakview Financial, and there's a table of contents and the what it what we call our duty of best interest.","start":95.29,"end":114.99,"sentiment":"neutral","sentiment_score":0.1452255116121189},{"text":"So that means that any advice that we provide to you needs to be in your best interests and suit your circumstances.","start":114.99,"end":122.21,"sentiment":"neutral","sentiment_score":0.12823764099316162}],"sentiment":"neutral","sentiment_score":0.14773613539920455,"num_words":87,"start":84.57,"end":122.21},{"sentences":[{"text":"Within that, this statement of advice has several goals.","start":125.47,"end":129.015,"sentiment":"neutral","sentiment_score":0.20075920224189758},{"text":"The ones that we're addressing in this advice document is reviewing your superannuation and investing in ethical and green options with a minimum of 80% allocated, possibly 100%.","start":129.075,"end":144.86,"sentiment":"neutral","sentiment_score":0.22935930533068521},{"text":"You have also said that you're comfortable with your levels of life and TPD insurance.","start":146.6,"end":152.3,"sentiment":"neutral","sentiment_score":0.18913978710770607},{"text":"You don't wanna look at trauma insurance, but in our review, I did highlight that you had no income protection and being self employed, if anything was to happen to you due to injury or illness, that could come into play.","start":153.08,"end":167.695,"sentiment":"neutral","sentiment_score":-0.25971066170349355},{"text":"And you said, have a look at that.","start":167.695,"end":169.71501,"sentiment":"neutral","sentiment_score":-0.0571153094060719}],"sentiment":"neutral","sentiment_score":-0.00038682603009856573,"num_words":101,"start":125.47,"end":169.71501},{"sentences":[{"text":"And, also, a general recommendation that we make for all clients that don't have them is to arrange a will and power of attorney.","start":170.97,"end":179.95,"sentiment":"neutral","sentiment_score":0.07078250163855652},{"text":"So that's what we're covering in this document.","start":180.81,"end":182.75,"sentiment":"neutral","sentiment_score":0.04794380045495927},{"text":"The goals that we're not we're not covering at this time is retirement goals simply because it's a significant period of time away.","start":183.455,"end":190.89499,"sentiment":"neutral","sentiment_score":-0.14184614983589752},{"text":"We don't need to address that as yet.","start":190.89499,"end":195.075,"sentiment":"neutral","sentiment_score":-0.09855426009744406},{"text":"And your savings of 150 a week continues to go to your opposite account along with the raising and renovation of your home.","start":196.54001,"end":204.32,"sentiment":"neutral","sentiment_score":0.006826172380343727}],"sentiment":"neutral","sentiment_score":-0.02106468743363092,"num_words":86,"start":170.97,"end":204.32},{"sentences":[{"text":"Throughout the document, the advice is provided based on the information you've provided us through recent review.","start":206.54001,"end":212.965,"sentiment":"neutral","sentiment_score":0.038860744084505475},{"text":"I'm also not a legal practitioner, so I can't do wills or attorneys.","start":213.905,"end":218.965,"sentiment":"neutral","sentiment_score":-0.17224780298196352},{"text":"They do need to be done by a wills or powers of attorney.","start":219.58499,"end":222.785,"sentiment":"neutral","sentiment_score":-0.07678237987252381},{"text":"They do need to be done by a solicitor.","start":222.785,"end":224.405,"sentiment":"neutral","sentiment_score":-0.06851925204197566},{"text":"So any questions so far?","start":226.18999,"end":227.56999,"sentiment":"neutral","sentiment_score":-0.01821063980460167}],"sentiment":"neutral","sentiment_score":-0.05762256482583389,"num_words":57,"start":206.54001,"end":227.56999},{"sentences":[{"text":"No?","start":229.47,"end":229.97,"sentiment":"neutral","sentiment_score":-0.12120895087718964},{"text":"Wonderful.","start":230.90999,"end":231.40999,"sentiment":"positive","sentiment_score":0.5303046107292175},{"text":"Thank you.","start":231.47,"end":232.20999,"sentiment":"positive","sentiment_score":0.5394976735115051},{"text":"The next section in the document when you do navigate through it is the about you section.","start":233.23,"end":237.79,"sentiment":"neutral","sentiment_score":0.09615111000397626},{"text":"So this is the information that I confirmed in the annual review with you.","start":237.79,"end":242.155,"sentiment":"neutral","sentiment_score":0.114881678085242}],"sentiment":"neutral","sentiment_score":0.1351715248610292,"num_words":35,"start":229.47,"end":242.155},{"sentences":[{"text":"So income, employment, lifestyle, and assets, liabilities, superannuation, and current insurances.","start":242.155,"end":250.655,"sentiment":"neutral","sentiment_score":0.049549958583983506},{"text":"In our review, we talked about your risk profile, and that's the allocation of growth assets to defensive assets, you may recall.","start":252.67,"end":261.65,"sentiment":"neutral","sentiment_score":0.06134844503619454},{"text":"And we you agreed that you would like to stay as a high growth investor, which means typically, we'd see 90% of your assets allocated to gross being shares, listed property, and 10% of defensive assets such as cash and fixed interest, for example.","start":261.95,"end":281.19,"sentiment":"neutral","sentiment_score":0.14357408229261637},{"text":"Yep.","start":283.57,"end":284.07,"sentiment":"neutral","sentiment_score":0.04526452347636223},{"text":"The next part is the actual strategy.","start":284.53,"end":286.87,"sentiment":"neutral","sentiment_score":0.025855380509580885}],"sentiment":"neutral","sentiment_score":0.09927326050751349,"num_words":85,"start":242.155,"end":286.87},{"sentences":[{"text":"So I there's probably two elements to the strategy and the advice I've provided.","start":287.33,"end":293.66998,"sentiment":"neutral","sentiment_score":0.05847734452358314},{"text":"I looked at your goal of ethical and green type of investments.","start":294.21,"end":303.005,"sentiment":"neutral","sentiment_score":0.1485970380405585},{"text":"There's a portfolio that is not.","start":303.86502,"end":308.52502,"sentiment":"neutral","sentiment_score":-0.1713790719707807},{"text":"The reason I did that is your superannuation goal is to obvious obviously for growth, but also the green I took in the ethical option.","start":310.05,"end":320.93,"sentiment":"neutral","sentiment_score":0.055219018757343294},{"text":"So I took into account both goals, which are clearly different.","start":320.93,"end":324.31,"sentiment":"neutral","sentiment_score":0.019182050769979305}],"sentiment":"neutral","sentiment_score":0.04654486581464024,"num_words":68,"start":287.33,"end":324.31},{"sentences":[{"text":"I've considered two options.","start":324.615,"end":326.555,"sentiment":"neutral","sentiment_score":0.010368768591433764},{"text":"My recommendation is actually to not go with an ethical portfolio, and the reason for that is you are, in the long term, going to lose out on growth opportunities, which could impact your retirement goals.","start":327.255,"end":345.28998,"sentiment":"negative","sentiment_score":-0.4012950642241372},{"text":"However, I've still included that ethical portfolio in there for you to consider as well.","start":346.06998,"end":350.87,"sentiment":"neutral","sentiment_score":0.2896474912762642},{"text":"So it is entirely up to you.","start":350.87,"end":352.97,"sentiment":"neutral","sentiment_score":0.2886726941381182},{"text":"My my recommendation is to put you in a better financial position, but I've also taken into account your desire to go for a ethical green portfolio and included that as well.","start":354.225,"end":367.525,"sentiment":"positive","sentiment_score":0.422771155834198}],"sentiment":"neutral","sentiment_score":0.05839309550108428,"num_words":94,"start":324.615,"end":367.525},{"sentences":[{"text":"So any questions about that before I dig a bit deeper?","start":368.13,"end":374.47,"sentiment":"neutral","sentiment_score":-0.027938764881003986},{"text":"So what I've so, basically, what I've done is I've compared the investment portfolio that I'm recommending, which is an OVLA high growth portfolio, versus the ethical portfolio that we've put together.","start":375.25,"end":390.765,"sentiment":"neutral","sentiment_score":0.013551878320868127},{"text":"To go the ethical portfolio, excuse me, you will realize higher capital gains tax.","start":392.105,"end":399.37,"sentiment":"neutral","sentiment_score":-0.07136106224996704},{"text":"So that means we sell down the assets in your current portfolio, and the superannuation fund will incur a capital gains, which they'll pay.","start":399.37,"end":407.745,"sentiment":"neutral","sentiment_score":-0.08544868347235024},{"text":"That's about $1,300 rounded up versus by changing to the OVLA high growth strategy around $203 capital gains.","start":407.905,"end":420.805,"sentiment":"neutral","sentiment_score":-0.008231067253897587}],"sentiment":"neutral","sentiment_score":-0.031026755483124894,"num_words":99,"start":368.13,"end":420.805},{"sentences":[{"text":"The the portfolio as well that I've recommended over the ethical is approximately $50 cheaper a year, which isn't much near here nor here nor there.","start":422.625,"end":437.975,"sentiment":"neutral","sentiment_score":0.044396092398808554},{"text":"It's just a consideration for you to consider.","start":438.915,"end":442.615,"sentiment":"neutral","sentiment_score":0.0021795309148728848},{"text":"So what I have done is in within the statement of advice, it does recommend that the portfolio that is not the ethical option.","start":442.835,"end":453.13,"sentiment":"neutral","sentiment_score":-0.10830773273482919},{"text":"But in the appendix, which is the second document that you'll have access to, that includes all the information for the ethical portfolio.","start":453.59,"end":463.53,"sentiment":"neutral","sentiment_score":0.024981285161946132},{"text":"So the advantages and disadvantages are gonna be very similar to both.","start":465.54498,"end":469.645,"sentiment":"neutral","sentiment_score":-0.11733828919629256}],"sentiment":"neutral","sentiment_score":-0.024313342447082203,"num_words":93,"start":422.625,"end":469.645},{"sentences":[{"text":"When we the disadvantages are obviously, with the one that I've recommended, it's not gonna align with your ethical goals and objectives.","start":470.985,"end":479.32498,"sentiment":"negative","sentiment_score":-0.3506971015171571},{"text":"Both of them are gonna incur some brokerage costs when we do transact on the account to replace underperforming assets or go the ethical pathway.","start":480.92,"end":491.90002,"sentiment":"neutral","sentiment_score":-0.32353372633457184},{"text":"And there is gonna be capital gains regardless of what what decisions made.","start":494.245,"end":499.625,"sentiment":"neutral","sentiment_score":0.019940902407352742},{"text":"It it will just vary to those figures that I mentioned before.","start":499.76498,"end":503.385,"sentiment":"neutral","sentiment_score":0.0039893584325909615},{"text":"Yeah.","start":505.925,"end":506.425,"sentiment":"neutral","sentiment_score":0.2000080943107605}],"sentiment":"neutral","sentiment_score":-0.20954201732800432,"num_words":73,"start":470.985,"end":506.425},{"sentences":[{"text":"So the the strategy there outlines that with your the the non ethical portfolio that I've recommended, you're gonna save approximately $388 a year in fees.","start":508.29,"end":522.23,"sentiment":"neutral","sentiment_score":0.3028771539147084},{"text":"And in ten years oh, in five years' time, the projected balance for your difference is about 37,500.","start":523.98505,"end":533.34503,"sentiment":"neutral","sentiment_score":0.17883369202415147},{"text":"And in ten years' time, it's about a 101,000.","start":533.34503,"end":536.89,"sentiment":"neutral","sentiment_score":0.11541338596079084},{"text":"So the projections for that in the difference compared to right now by changing your investment options and, obviously, continuing with the regular reviews because that's the important part as well.","start":536.89,"end":549.55,"sentiment":"neutral","sentiment_score":0.09792461654832287},{"text":"It will also show on page 20 the breakdown of the investment options that I've recommended.","start":550.655,"end":557.47504,"sentiment":"neutral","sentiment_score":0.15007341257296503}],"sentiment":"neutral","sentiment_score":0.1756937064602971,"num_words":100,"start":508.29,"end":557.47504},{"sentences":[{"text":"There is somewhat similar to what you're currently invested in, just a little bit more exposure to different economies like Europe, increasing your exposure to Europe, removing your exposure to Asia at this point in time, and excuse me.","start":558.015,"end":578.27,"sentiment":"neutral","sentiment_score":0.002449208154128148},{"text":"And just diversifying that portfolio a little bit further.","start":579.69,"end":584.125,"sentiment":"neutral","sentiment_score":0.09494983736011717},{"text":"The portfolio I've recommended is in line with your risk profile, so you end up about 93% in growth assets, 7% in defensive assets, which is at ninety ten variance given your age and 20 I think it was twenty eight years to retirement.","start":586.665,"end":606.81006,"sentiment":"neutral","sentiment_score":0.07833319648422978},{"text":"Sorry.","start":606.81006,"end":607.29004,"sentiment":"neutral","sentiment_score":-0.14162686467170715},{"text":"I thought it skipped my mind.","start":607.29004,"end":608.75,"sentiment":"neutral","sentiment_score":-0.24193849166234335}],"sentiment":"neutral","sentiment_score":0.028317883685983793,"num_words":99,"start":558.015,"end":608.75},{"sentences":[{"text":"You you have the time to be able to withstand those variations.","start":610.095,"end":615.15497,"sentiment":"neutral","sentiment_score":-0.20154268791278204},{"text":"Does that make sense?","start":615.295,"end":616.355,"sentiment":"neutral","sentiment_score":0.031896176747977734},{"text":"Yep.","start":618.255,"end":618.755,"sentiment":"neutral","sentiment_score":0.1722007393836975},{"text":"What I'm gonna do is I'm gonna jump to the appendix just to talk through the difference in the ethical investment.","start":618.975,"end":626.1,"sentiment":"neutral","sentiment_score":0.10779300722337905},{"text":"So with the so that's the portfolio I have recommended based on financial outcomes.","start":627.36,"end":634.26,"sentiment":"neutral","sentiment_score":0.0822011660784483}],"sentiment":"neutral","sentiment_score":0.02491812823483577,"num_words":52,"start":610.095,"end":634.26},{"sentences":[{"text":"Now the ethical investment analysis is in the appendix and contains the same information.","start":634.64,"end":639.935,"sentiment":"neutral","sentiment_score":0.11691571878535408},{"text":"So you will have a fee saving of approximately $335 per year.","start":639.995,"end":645.935,"sentiment":"neutral","sentiment_score":0.2807735241949558},{"text":"Your projected lump sum your projected balance in five years' time is about an additional $13,500, and in ten years' time, it's about $36,000.","start":647.515,"end":658.73,"sentiment":"neutral","sentiment_score":0.16435412348558506},{"text":"So that's one of the main reasons I've recommended the other portfolio because financially, it's gonna help you have access to more growth options over the longer term.","start":659.19,"end":673.745,"sentiment":"positive","sentiment_score":0.4195909643811839},{"text":"Again, it comes down to your decision, and I didn't make that recommendation lightly to knowing that your goal was specifically for invest for ethical investment options.","start":674.125,"end":685.38,"sentiment":"neutral","sentiment_score":0.12357064143375114}],"sentiment":"neutral","sentiment_score":0.2289100536987895,"num_words":105,"start":634.64,"end":685.38},{"sentences":[{"text":"So that's why I have included both for you to make an informed decision.","start":686.48004,"end":690.34,"sentiment":"positive","sentiment_score":0.3341952402676855},{"text":"That's okay.","start":692.845,"end":693.745,"sentiment":"positive","sentiment_score":0.572857141494751},{"text":"And, again, that ethical portfolio is gonna see you invested in line with your high growth portfolio.","start":694.685,"end":700.545,"sentiment":"positive","sentiment_score":0.5032457621658549},{"text":"You'll have about 89% in gross assets and about 11% in defensive assets.","start":701.005,"end":706.70496,"sentiment":"positive","sentiment_score":0.33628167097385114},{"text":"So they're both in there just in different parts of the document.","start":708.16,"end":711.06,"sentiment":"neutral","sentiment_score":0.13693854274849096}],"sentiment":"positive","sentiment_score":0.35163016964135496,"num_words":58,"start":686.48004,"end":711.06},{"sentences":[{"text":"The next recommendation is to apply for income protection.","start":712.72,"end":715.86,"sentiment":"neutral","sentiment_score":0.05252668054567443},{"text":"So this is, as I mentioned in our review, to cover you if you're unable to work due to sickness or injury.","start":716.95996,"end":726.47504,"sentiment":"neutral","sentiment_score":0.016328144818544388},{"text":"What that means is I've recommended a monthly benefit of $4,083, and that's 70% of your income that you confirmed to me, your taxable income in our review.","start":727.015,"end":737.91504,"sentiment":"neutral","sentiment_score":0.11913905891456775},{"text":"Your waiting period is thirty days, so that means you have to be unable to work for thirty days, and then your benefit will kick in.","start":739.29004,"end":752.115,"sentiment":"neutral","sentiment_score":-0.002905186552267808},{"text":"So I I kind of compare it to, like, a car excess.","start":752.195,"end":758.435,"sentiment":"neutral","sentiment_score":-0.011214219654599825}],"sentiment":"neutral","sentiment_score":0.040801520353740024,"num_words":97,"start":712.72,"end":758.435},{"sentences":[{"text":"If you have a claim, it's it's your excess.","start":758.435,"end":760.515,"sentiment":"neutral","sentiment_score":-0.025804367899480794},{"text":"So it's the number of instead of a financial excess, it's the number of days you need to wait, and then your benefit period of six years.","start":760.515,"end":767.62994,"sentiment":"neutral","sentiment_score":0.054920296357185754},{"text":"So that's how long you are eligible to be paid for should you be unable to work due to injury or illness depending on, you know, the severity of it.","start":767.62994,"end":779.32996,"sentiment":"neutral","sentiment_score":0.0017972056133051713},{"text":"So the cost of that is I've recommended to be funded from your superannuation fund so it doesn't impact your personal cash flow.","start":780.555,"end":789.615,"sentiment":"neutral","sentiment_score":0.03775301672842191},{"text":"Your superannuation fund will count claim it as a tax deduction.","start":789.755,"end":793.055,"sentiment":"neutral","sentiment_score":0.055669943717393006}],"sentiment":"neutral","sentiment_score":0.027852136245928704,"num_words":100,"start":758.435,"end":793.055},{"sentences":[{"text":"So that's beneficial to your superannuation fund in that respect, but it also does impact the the balance over the long term.","start":794.66,"end":804.9,"sentiment":"neutral","sentiment_score":0.04709612036293203},{"text":"So any insurance paid for out of your super does deplete the balance in the long term, which is probably also why I have gone with the recommendation of the non ethical portfolio to ensure that it your funds aren't depleted too quickly.","start":804.9,"end":823.02,"sentiment":"neutral","sentiment_score":-0.28796165800371837},{"text":"So there is there's a table in there that does show the premium and the five and ten year impact and how having the insurance in there will cost about $17,000 life overall over ten years.","start":826.60004,"end":845.395,"sentiment":"neutral","sentiment_score":0.03618679495735301},{"text":"It will impact your 16,000 portfolio over that ten years, having your life your existing life and TPD as well as your income protection.","start":845.395,"end":854.42004,"sentiment":"neutral","sentiment_score":0.07111211990316708},{"text":"Any questions about the income protection or anything I've said so far?","start":858.64,"end":866.465,"sentiment":"neutral","sentiment_score":-0.06109308637678623}],"sentiment":"neutral","sentiment_score":-0.06620392836902263,"num_words":137,"start":794.66,"end":866.465},{"sentences":[{"text":"Yeah.","start":866.765,"end":867.16504,"sentiment":"neutral","sentiment_score":-0.03253498673439026},{"text":"Okay.","start":867.16504,"end":867.66504,"sentiment":"neutral","sentiment_score":0.002843305468559265},{"text":"I have also recommended establishing a will, which in here just outlines the advantages and disadvantages, which is, you know, your estate will be distributed as per your wishes.","start":870.765,"end":884.25,"sentiment":"neutral","sentiment_score":0.06121024470134028},{"text":"If you die without a will, it does leave your wife and daughter without access to assets longer as it will need to go through the public trustee.","start":884.70996,"end":899.615,"sentiment":"neutral","sentiment_score":-0.1749098567026002},{"text":"So it's it's something that you should definitely look at.","start":899.615,"end":902.675,"sentiment":"neutral","sentiment_score":0.09894982352852821}],"sentiment":"neutral","sentiment_score":-0.031341628077021545,"num_words":69,"start":866.765,"end":902.675},{"sentences":[{"text":"And a power of attorney, which I explained previously that I kind of explain it as a living will.","start":903.0,"end":910.44,"sentiment":"neutral","sentiment_score":0.09319218561837547},{"text":"So you're giving someone the authority to make decisions financially and health wise if we are unable to make them.","start":910.44,"end":919.045,"sentiment":"neutral","sentiment_score":0.036391738802194595},{"text":"So we automatically assume it's our spouse, but that's actually not the case legally.","start":919.825,"end":924.885,"sentiment":"neutral","sentiment_score":-0.017917149301086153},{"text":"You do need to nominate it.","start":925.105,"end":926.805,"sentiment":"neutral","sentiment_score":0.021167172739903133},{"text":"Your our ongoing services is in here, so nothing's changed there.","start":929.6,"end":933.52,"sentiment":"neutral","sentiment_score":0.12755645269697363}],"sentiment":"neutral","sentiment_score":0.053968146124056406,"num_words":70,"start":903.0,"end":933.52},{"sentences":[{"text":"So we complete that in your reviews.","start":933.52,"end":935.38,"sentiment":"neutral","sentiment_score":0.20417853551251547},{"text":"If any of your circumstances change at any time or you need further advice, you reach out, and that's that's what your ongoing fee covers that we spoke about in your previous review.","start":936.16003,"end":948.76495,"sentiment":"neutral","sentiment_score":0.08741877645705685},{"text":"Now remuneration wise, we get paid a commission from the insurance company.","start":951.545,"end":957.08496,"sentiment":"neutral","sentiment_score":0.23715602482358614},{"text":"So that's not an additional cost to you.","start":957.21,"end":961.47003,"sentiment":"neutral","sentiment_score":0.22483547404408455},{"text":"So if you do take out that one path policy, Oakview will receive approximately $772 for the establishment of that policy and ongoing $257 a year for that policy.","start":962.01,"end":976.555,"sentiment":"neutral","sentiment_score":0.2576057916057521}],"sentiment":"neutral","sentiment_score":0.18459767885924724,"num_words":89,"start":933.52,"end":976.555},{"sentences":[{"text":"Your adviser fee remains the same, $1,554 a year, which is deducted from your super fund, So no changes there.","start":978.21497,"end":990.5,"sentiment":"neutral","sentiment_score":0.11422190442681313},{"text":"We if you wish to implement the advice, we would there's a section within the document that you sign, which I'll move to in a moment, and then we proceed with changing your superannuation investments as per your directions.","start":990.5,"end":1007.675,"sentiment":"neutral","sentiment_score":0.18833871080707282},{"text":"With the income protection, it will be someone from our team will contact you to complete to run you through the process of the application and complete that with you.","start":1008.69495,"end":1021.58,"sentiment":"neutral","sentiment_score":0.09113799134890238},{"text":"For the income protection, as mentioned, you'll need to go through the underwriting process again.","start":1022.28,"end":1026.9401,"sentiment":"neutral","sentiment_score":-0.025656197468439737},{"text":"However, I think when we spoke last time, you said you're relatively healthy with no no issues, so I don't see that being an issue.","start":1027.56,"end":1036.2849,"sentiment":"neutral","sentiment_score":0.0175524565577507}],"sentiment":"neutral","sentiment_score":0.09626167443718096,"num_words":129,"start":978.21497,"end":1036.2849},{"sentences":[{"text":"And then lastly, consult with a lawyer to organize your wills and powers of attorney when you're able to.","start":1036.985,"end":1044.125,"sentiment":"neutral","sentiment_score":0.09885033965110779},{"text":"Page 40 of the yep.","start":1046.35,"end":1048.29,"sentiment":"neutral","sentiment_score":0.035172896832227706},{"text":"Yeah.","start":1052.19,"end":1052.59,"sentiment":"neutral","sentiment_score":0.021921122446656227},{"text":"I yes.","start":1052.59,"end":1054.03,"sentiment":"neutral","sentiment_score":0.06779284961521626},{"text":"Because I am.","start":1054.03,"end":1054.59,"sentiment":"neutral","sentiment_score":0.0978412851691246}],"sentiment":"neutral","sentiment_score":0.08350172049055497,"num_words":30,"start":1036.985,"end":1054.59},{"sentences":[{"text":"That's right.","start":1054.59,"end":1055.15,"sentiment":"neutral","sentiment_score":0.1954669952392578},{"text":"Yeah.","start":1055.15,"end":1055.63,"sentiment":"neutral","sentiment_score":0.2058376371860504},{"text":"Yep.","start":1055.63,"end":1056.13,"sentiment":"neutral","sentiment_score":0.2373192757368088},{"text":"Yeah.","start":1056.51,"end":1056.91,"sentiment":"neutral","sentiment_score":0.27929210662841797},{"text":"So they can do everything that, like, the way we do it with you.","start":1056.91,"end":1060.385,"sentiment":"positive","sentiment_score":0.44761887192726135}],"sentiment":"positive","sentiment_score":0.3884235377374448,"num_words":19,"start":1054.59,"end":1060.385},{"sentences":[{"text":"So they can do it over the phone and virtually with you to make it nice and easy.","start":1060.385,"end":1065.285,"sentiment":"positive","sentiment_score":0.486290337310897},{"text":"Yeah.","start":1066.945,"end":1067.445,"sentiment":"neutral","sentiment_score":0.03750051558017731},{"text":"Absolutely.","start":1070.065,"end":1070.565,"sentiment":"positive","sentiment_score":0.3650086224079132},{"text":"Send them an email or give them a phone call, whatever works best for you, and let them know that you're a client of Oakview Financial and you've been referred to them, and they will work with you to get your your matters addressed.","start":1070.785,"end":1089.8451,"sentiment":"neutral","sentiment_score":0.2575803876600482},{"text":"Page 40 of the statement advice is the authority section.","start":1093.5851,"end":1098.145,"sentiment":"neutral","sentiment_score":0.11586476713418961}],"sentiment":"neutral","sentiment_score":0.2925394586211926,"num_words":74,"start":1060.385,"end":1098.145},{"sentences":[{"text":"So when you decide when you've had the opportunity to review the document and decide which portfolio you would like to proceed with, there's a electronic signature option.","start":1098.145,"end":1109.14,"sentiment":"neutral","sentiment_score":0.11073730114315238},{"text":"You'll note above the electronic signature section that there's a box for you to write text in.","start":1109.28,"end":1115.54,"sentiment":"neutral","sentiment_score":0.0842295408468036},{"text":"What I do ask is if in that before you do sign in that text area, if you articulate this is where if you wanna make changes.","start":1115.76,"end":1126.525,"sentiment":"neutral","sentiment_score":0.05086971764211302},{"text":"So if you can write which portfolio you would like to go with so that we make sure that it is actually implemented as per your actual wishes.","start":1126.525,"end":1137.5299,"sentiment":"neutral","sentiment_score":0.20264892599412374},{"text":"So whether it be the ethical portfolio or the alternative portfolio, and also if you wish to proceed with the income protection once you've had a chance to review that.","start":1138.1499,"end":1148.675,"sentiment":"neutral","sentiment_score":0.1338694137831529}],"sentiment":"neutral","sentiment_score":0.11997139495439255,"num_words":130,"start":1098.145,"end":1148.675},{"sentences":[{"text":"That will then let us know what to action on your behalf, and the implementation process will then begin from there.","start":1148.735,"end":1157.555,"sentiment":"neutral","sentiment_score":0.10325345042205993},{"text":"Any questions about okay.","start":1158.4,"end":1166.0,"sentiment":"neutral","sentiment_score":0.08416906977072358},{"text":"Beautiful.","start":1166.0,"end":1166.5,"sentiment":"positive","sentiment_score":0.6094285249710083},{"text":"Mhmm.","start":1186.125,"end":1186.625,"sentiment":"neutral","sentiment_score":0.0985104888677597},{"text":"Okay.","start":1193.5701,"end":1193.97,"sentiment":"neutral","sentiment_score":0.05928097665309906}],"sentiment":"neutral","sentiment_score":0.11686495458707213,"num_words":28,"start":1148.735,"end":1193.97},{"sentences":[{"text":"So if you go to page 20, this is gonna give us a table of what's what would change.","start":1193.97,"end":1201.75,"sentiment":"neutral","sentiment_score":0.060831970094065914},{"text":"Or page 21, actually, I think it is.","start":1204.415,"end":1206.435,"sentiment":"neutral","sentiment_score":0.050243557430803776},{"text":"It should be a heading called investments for the table.","start":1208.4951,"end":1211.395,"sentiment":"neutral","sentiment_score":0.08032877370715141},{"text":"You're absolutely fine.","start":1219.82,"end":1220.94,"sentiment":"positive","sentiment_score":0.34189146757125854},{"text":"Take your time.","start":1220.94,"end":1221.84,"sentiment":"neutral","sentiment_score":0.3305330177148183}],"sentiment":"neutral","sentiment_score":0.10182132753868435,"num_words":43,"start":1193.97,"end":1221.84},{"sentences":[{"text":"That you yes.","start":1239.875,"end":1241.155,"sentiment":"neutral","sentiment_score":0.08952091634273529},{"text":"Yeah.","start":1241.155,"end":1241.475,"sentiment":"neutral","sentiment_score":0.07306408137083054},{"text":"So it'll be the same process as the review documents.","start":1241.475,"end":1244.0349,"sentiment":"neutral","sentiment_score":0.06186068169772625},{"text":"So you you click the option that says sign here or click here to sign.","start":1244.0349,"end":1248.7001,"sentiment":"neutral","sentiment_score":0.026223053659001985},{"text":"You're not signing anything there.","start":1248.92,"end":1250.2001,"sentiment":"neutral","sentiment_score":-0.08377373442053795}],"sentiment":"neutral","sentiment_score":0.027491493534077618,"num_words":34,"start":1239.875,"end":1250.2001},{"sentences":[{"text":"We're just same as the review, just going over the documents.","start":1250.2001,"end":1252.78,"sentiment":"neutral","sentiment_score":0.008419760333543474},{"text":"So so the first document should be the statement of advice and that if you go to page twenty twenty one, there should be an investments option table there.","start":1255.4,"end":1266.935,"sentiment":"neutral","sentiment_score":0.04768936856296556},{"text":"It should be the first document.","start":1290.475,"end":1292.1749,"sentiment":"neutral","sentiment_score":0.02550214823956291},{"text":"So if you navigate back to the first document, you you have to scroll because it is a rather large document.","start":1292.235,"end":1301.615,"sentiment":"neutral","sentiment_score":0.007631801689664523},{"text":"Okay.","start":1311.8301,"end":1312.31,"sentiment":"neutral","sentiment_score":-0.024739986285567284}],"sentiment":"neutral","sentiment_score":0.02594337927396683,"num_words":68,"start":1250.2001,"end":1312.31},{"sentences":[{"text":"They've hang on a second.","start":1312.31,"end":1313.93,"sentiment":"neutral","sentiment_score":-0.08808101192116738},{"text":"It looks like the wrong one's been sent to you.","start":1314.675,"end":1317.155,"sentiment":"neutral","sentiment_score":-0.1732460990548134},{"text":"Give me one second.","start":1317.155,"end":1318.135,"sentiment":"neutral","sentiment_score":-0.07014386635273695},{"text":"Sorry about that, James.","start":1322.3551,"end":1323.7351,"sentiment":"neutral","sentiment_score":-0.17956464365124702},{"text":"I'm just gonna jump in.","start":1324.515,"end":1326.6951,"sentiment":"neutral","sentiment_score":-0.12221994102001191}],"sentiment":"neutral","sentiment_score":-0.13509999268821307,"num_words":28,"start":1312.31,"end":1326.6951},{"sentences":[{"text":"Alright.","start":1339.2201,"end":1339.62,"sentiment":"neutral","sentiment_score":-0.018760450184345245},{"text":"Let me try this again.","start":1339.62,"end":1341.16,"sentiment":"neutral","sentiment_score":-0.035709187388420105},{"text":"Request.","start":1343.54,"end":1344.04,"sentiment":"neutral","sentiment_score":-0.013709187507629396},{"text":"Alright.","start":1368.8099,"end":1369.3099,"sentiment":"neutral","sentiment_score":0.008100448176264763},{"text":"I'm hitting send on it again.","start":1369.37,"end":1372.03,"sentiment":"neutral","sentiment_score":-0.0047864119211832685}],"sentiment":"neutral","sentiment_score":-0.016545256998922144,"num_words":14,"start":1339.2201,"end":1372.03},{"sentences":[{"text":"Let me know when you received that one through.","start":1375.2151,"end":1377.9551,"sentiment":"neutral","sentiment_score":-0.0016367453046970896},{"text":"No.","start":1385.055,"end":1385.555,"sentiment":"neutral","sentiment_score":-0.12872439622879028},{"text":"I can hear you.","start":1385.775,"end":1386.415,"sentiment":"neutral","sentiment_score":-0.09955387935042381},{"text":"That's fine.","start":1386.415,"end":1387.2351,"sentiment":"neutral","sentiment_score":0.027911250479519367},{"text":"Beautiful.","start":1392.13,"end":1392.63,"sentiment":"positive","sentiment_score":0.3780100345611572}],"sentiment":"neutral","sentiment_score":-0.006343416814856669,"num_words":17,"start":1375.2151,"end":1392.63},{"sentences":[{"text":"So page 20 or 21 in that document.","start":1393.49,"end":1396.71,"sentiment":"neutral","sentiment_score":0.0906149223446846},{"text":"Yep.","start":1404.5249,"end":1404.845,"sentiment":"neutral","sentiment_score":0.06718499213457108},{"text":"Yep.","start":1404.845,"end":1405.0049,"sentiment":"neutral","sentiment_score":0.04483005404472351},{"text":"So we're gonna be removing completely out of that Benelong Australian Equities Fund that we discussed.","start":1405.0049,"end":1409.4049,"sentiment":"neutral","sentiment_score":-0.25641226302832365},{"text":"So that was the underperforming one.","start":1409.4049,"end":1411.2649,"sentiment":"negative","sentiment_score":-0.4524809718132019}],"sentiment":"neutral","sentiment_score":-0.18689211294986308,"num_words":32,"start":1393.49,"end":1411.2649},{"sentences":[{"text":"We are also gonna move out of the battery tech and lithium as well as the global agriculture.","start":1412.125,"end":1419.11,"sentiment":"neutral","sentiment_score":0.0244298308259911},{"text":"And the purpose of that was I took into account the ethical approach you wanted to take and tried to look at a portfolio that will still provide provide growth but be as friendly as possible if that makes sense.","start":1421.49,"end":1444.16,"sentiment":"neutral","sentiment_score":0.11970092095434666},{"text":"So yeah.","start":1446.4601,"end":1447.2001,"sentiment":"neutral","sentiment_score":0.16676753759384155},{"text":"So we're still remaining the site keeping the cybersecurity asset, the BetaShares cybersecurity.","start":1447.42,"end":1452.9601,"sentiment":"neutral","sentiment_score":0.17074768187908027},{"text":"It's performing well.","start":1453.26,"end":1454.72,"sentiment":"positive","sentiment_score":0.420322448015213}],"sentiment":"neutral","sentiment_score":0.1189736325881983,"num_words":76,"start":1412.125,"end":1454.72},{"sentences":[{"text":"We're you'll see we're taking a little bit out of that asset to just rebalance back to your high growth.","start":1455.345,"end":1461.6849,"sentiment":"neutral","sentiment_score":0.062410623766481876},{"text":"We're removing ourselves completely from the iShares Asia, and we are increasing the assets to iShares Europe.","start":1462.385,"end":1472.14,"sentiment":"neutral","sentiment_score":-0.0625331905834815},{"text":"So increasing our exposure to the Europe market.","start":1472.76,"end":1475.34,"sentiment":"neutral","sentiment_score":0.05114438245072961},{"text":"We are also increasing our exposure a little bit to The US market with the iShares S and P 500.","start":1476.84,"end":1483.635,"sentiment":"neutral","sentiment_score":0.004878670908510685},{"text":"We we are removing the Global Health and Vanguard diversified index and spreading those funds out across the remaining investments in the portfolio.","start":1484.575,"end":1500.58,"sentiment":"neutral","sentiment_score":-0.022133979298498318}],"sentiment":"neutral","sentiment_score":0.0020772180604663763,"num_words":88,"start":1455.345,"end":1500.58},{"sentences":[{"text":"So you'll see that we're still holding some Japan exposure, which is why we've removed to Asia because we don't want to double up there.","start":1500.7999,"end":1509.515,"sentiment":"neutral","sentiment_score":-0.09242482170462608},{"text":"We're keeping the beta shares or sorry.","start":1510.855,"end":1513.015,"sentiment":"neutral","sentiment_score":-0.030026185725416456},{"text":"We're implementing the beta shares Australian 200.","start":1513.015,"end":1516.215,"sentiment":"neutral","sentiment_score":0.012747105743203844},{"text":"That's the replacement for the Benelon Australian equities that was underperforming.","start":1516.215,"end":1519.835,"sentiment":"neutral","sentiment_score":-0.125549021536823},{"text":"And we're we're buying into some physical gold, which provides a little bit of a defensive asset in the portfolio depending on how the market behaves.","start":1521.3201,"end":1534.3,"sentiment":"neutral","sentiment_score":0.10517551305775459}],"sentiment":"neutral","sentiment_score":-0.014184868419665451,"num_words":76,"start":1500.7999,"end":1534.3},{"sentences":[{"text":"Gold can be quite a good little defensive asset.","start":1535.275,"end":1537.775,"sentiment":"neutral","sentiment_score":0.2811224361260732},{"text":"And the iShares at the bottom core composite bonds, that's the recommended replacement for the bank hybrid investment option that I spoke to you about in the review that's gonna be phased out from January 2027.","start":1538.155,"end":1552.01,"sentiment":"neutral","sentiment_score":0.07662174850702286},{"text":"So as I mentioned, the ethical portfolio is in the second document that's after this one.","start":1556.3099,"end":1563.745,"sentiment":"neutral","sentiment_score":0.02639653510414064},{"text":"If you did you want me to I'll talk through I've got well, I'll just open that up.","start":1567.405,"end":1572.465,"sentiment":"neutral","sentiment_score":0.017523509139815967},{"text":"So that document's called the appendix.","start":1573.725,"end":1578.2,"sentiment":"neutral","sentiment_score":0.03158110131820043}],"sentiment":"neutral","sentiment_score":0.0731263435938779,"num_words":85,"start":1535.275,"end":1578.2},{"sentences":[{"text":"So when you've got the appendix, if you keep scrolling, you should it should take you down to the appendix.","start":1578.2,"end":1586.1399,"sentiment":"neutral","sentiment_score":0.016573620634153484},{"text":"Oh, okay.","start":1594.0549,"end":1594.635,"sentiment":"neutral","sentiment_score":-0.020355544984340668},{"text":"It shouldn't do that.","start":1594.775,"end":1595.735,"sentiment":"neutral","sentiment_score":-0.2166760452091694},{"text":"It should is there an arrow across the top that yep.","start":1595.735,"end":1603.0349,"sentiment":"neutral","sentiment_score":0.005037679929624905},{"text":"Perfect.","start":1603.095,"end":1603.595,"sentiment":"positive","sentiment_score":0.5116404294967651}],"sentiment":"neutral","sentiment_score":-0.0002338934052539499,"num_words":38,"start":1578.2,"end":1603.595},{"sentences":[{"text":"I'm just opening it up on my screen.","start":1604.2101,"end":1606.31,"sentiment":"neutral","sentiment_score":0.12970474548637867},{"text":"My computer is not playing friendly today.","start":1606.61,"end":1609.75,"sentiment":"negative","sentiment_score":-0.5920396958078656},{"text":"So what this contains so the first part of it is just a it's a table that outlines your the different risk profiles.","start":1610.05,"end":1619.0249,"sentiment":"neutral","sentiment_score":0.04248923784040887},{"text":"So you're a high growth risk profile.","start":1619.0249,"end":1621.745,"sentiment":"neutral","sentiment_score":-0.03018352096634252},{"text":"So that's second in from the right, and you'll see the ninety ten split.","start":1621.745,"end":1625.585,"sentiment":"neutral","sentiment_score":0.07677459051566464}],"sentiment":"neutral","sentiment_score":-0.02145470874541897,"num_words":59,"start":1604.2101,"end":1625.585},{"sentences":[{"text":"So it just explains typically how we invest your funds across the different sectors in the market.","start":1625.585,"end":1630.645,"sentiment":"neutral","sentiment_score":0.10641649233944275},{"text":"The important information about this SOA that I do need to visit is that the contents of the SOA are act as accurate and as possible based on the information that you've provided with us, and that you do need to make a decision on the recommendations within this SOA within sixty days of the date of it.","start":1633.13,"end":1654.005,"sentiment":"neutral","sentiment_score":0.11158966536408868},{"text":"Because after that period of time, we'll need to redo it just based on the fact that client's financial and personal situations are likely to change in that time.","start":1654.385,"end":1663.1699,"sentiment":"neutral","sentiment_score":-0.17961490719482817},{"text":"So there is a currency in relation to that.","start":1663.47,"end":1666.45,"sentiment":"neutral","sentiment_score":0.04433367753194438},{"text":"The there is also a page that has the link to all the investment options that I've recommended.","start":1668.6699,"end":1674.775,"sentiment":"neutral","sentiment_score":0.13846235598127046}],"sentiment":"neutral","sentiment_score":0.04552499357013757,"num_words":131,"start":1625.585,"end":1674.775},{"sentences":[{"text":"So you can click on those and read through the product disclosure statements there.","start":1675.635,"end":1680.055,"sentiment":"neutral","sentiment_score":0.11553443808640752},{"text":"And then following that is the ethical investment analysis.","start":1680.435,"end":1683.7351,"sentiment":"neutral","sentiment_score":0.09192343304554622},{"text":"So it will show you a fee table.","start":1683.9551,"end":1686.8551,"sentiment":"neutral","sentiment_score":0.10228430386632681},{"text":"So current versus the recommended.","start":1689.2101,"end":1691.0701,"sentiment":"neutral","sentiment_score":0.02744281068444252},{"text":"So this is if you were to go with the ethical investment option, you will see that there's a fee saving in the right hand column.","start":1691.2101,"end":1699.6901,"sentiment":"neutral","sentiment_score":0.15445140491311365}],"sentiment":"neutral","sentiment_score":0.11961319423731297,"num_words":62,"start":1675.635,"end":1699.6901},{"sentences":[{"text":"That figure that negative figure at the top is the capital gains tax that will be applied when we will will be realized when we sell down the portfolio and invest, and then the fees in that right hand column are the difference.","start":1699.6901,"end":1712.6951,"sentiment":"neutral","sentiment_score":0.008600502686445103},{"text":"So you're definitely gonna have a fee saving.","start":1712.6951,"end":1715.515,"sentiment":"positive","sentiment_score":0.4730256753973663},{"text":"Your insurance premiums are gonna increase because of the income protection, which is that negative figure there of $994, and the overall fee savings 335.","start":1717.1699,"end":1729.51,"sentiment":"negative","sentiment_score":-0.4071111126244068},{"text":"The table below that is the projected balance.","start":1729.855,"end":1732.4149,"sentiment":"neutral","sentiment_score":0.01822576206177473},{"text":"So the lump sum in five years, your current balance, if we remain invested as we currently are, is projected out to be a 122,000.","start":1732.4149,"end":1741.1549,"sentiment":"neutral","sentiment_score":0.03039011500775814}],"sentiment":"neutral","sentiment_score":-0.04695588830482522,"num_words":109,"start":1699.6901,"end":1741.1549},{"sentences":[{"text":"In the ethical portfolio, it would be 135,000 and the same for ten years.","start":1742.76,"end":1748.8401,"sentiment":"neutral","sentiment_score":0.027521218306251934},{"text":"So that's how that is calculated.","start":1748.8401,"end":1751.5801,"sentiment":"neutral","sentiment_score":0.05645792248348395},{"text":"The green figure being the total difference.","start":1752.6001,"end":1755.64,"sentiment":"neutral","sentiment_score":0.06331589126161166},{"text":"So when you have the opportunity to go back through the SOA, you can look at the same table for the not ethical portfolio option and see the difference there.","start":1755.64,"end":1766.015,"sentiment":"neutral","sentiment_score":0.002775385851661365},{"text":"And then the next page just shows you the annualized investment returns.","start":1767.595,"end":1771.615,"sentiment":"neutral","sentiment_score":0.07196135818958282}],"sentiment":"neutral","sentiment_score":0.03063845947600793,"num_words":69,"start":1742.76,"end":1771.615},{"sentences":[{"text":"So what we've done here is your current portfolio, what you're currently in, the recommended portfolio, which is the one that I have actually recommended, and then the ethical portfolio.","start":1772.63,"end":1783.69,"sentiment":"neutral","sentiment_score":0.16586254710952442},{"text":"So it just shows you the returns, the historical returns over the long term, which obviously are no indication for future performance, but we do look at it as a guide to the quality of the investment managers within the portfolio And the investment options of the ethical portfolio are listed there.","start":1783.75,"end":1805.42,"sentiment":"neutral","sentiment_score":0.09728627236416706},{"text":"So you'd have ethically con the Vanguard ethically conscious Australian shares fund, the ethical world excluding Australia's shares, so that would be your international.","start":1805.42,"end":1818.675,"sentiment":"neutral","sentiment_score":0.18683388363569975},{"text":"Some global sustainability would still include the cybersecurity for a growth element.","start":1820.5751,"end":1825.7151,"sentiment":"neutral","sentiment_score":0.10734510670105617},{"text":"The BetaShares Electric Vehicles and Future Mobility Fund, some global agriculture, as well as some emerging markets that are carbon aware they're carbon aware focused, And then again, your defensive portfolio, which isn't an ethical option being that, again, the iShares care core composite bond.","start":1827.87,"end":1851.5651,"sentiment":"neutral","sentiment_score":0.07077893507149484}],"sentiment":"neutral","sentiment_score":0.11651514811109911,"num_words":163,"start":1772.63,"end":1851.5651},{"sentences":[{"text":"So that's in replacement of the hybrid investment option.","start":1851.7051,"end":1856.22,"sentiment":"neutral","sentiment_score":0.05778623869021734},{"text":"Again, following that, your proposed asset allocation will be within line will be in line with your high risk growth portfolio.","start":1859.64,"end":1869.1,"sentiment":"neutral","sentiment_score":0.28397590205782935},{"text":"And the final page on that is well, not the final.","start":1870.095,"end":1872.975,"sentiment":"neutral","sentiment_score":0.10252499309453098},{"text":"It's a bit of a blurb there on how we calculate our investment returns, and it explains how that is done.","start":1873.295,"end":1881.475,"sentiment":"neutral","sentiment_score":0.10265172964760236},{"text":"And then the last couple of pages are about the insurance.","start":1882.03,"end":1886.61,"sentiment":"neutral","sentiment_score":0.02920203581875698}],"sentiment":"neutral","sentiment_score":0.1381952566037286,"num_words":73,"start":1851.7051,"end":1886.61},{"sentences":[{"text":"So we did look at a few other insurance companies for your income protection being OnePath, Encompass, Clearview, and Ascender with what those premiums are.","start":1886.67,"end":1896.85,"sentiment":"neutral","sentiment_score":0.06546261668205261},{"text":"And then there's information for you to read about holding insurance through superannuation, which I I believe you're probably already aware of because you hold the life and TPD insurance through super.","start":1897.0751,"end":1912.14,"sentiment":"neutral","sentiment_score":0.028839418955612928},{"text":"So that's the impacts of it.","start":1912.14,"end":1913.5801,"sentiment":"neutral","sentiment_score":-0.016530089701215427},{"text":"So as I mentioned earlier, the impact to the balance, as long as we review it every year and make sure it's in line with your needs, we can make changes as needed, decrease or increase just to make sure that you're you're adequately protected.","start":1913.5801,"end":1930.5449,"sentiment":"neutral","sentiment_score":0.1333415896528297},{"text":"Any questions about that huge amount of information I've just downloaded to you?","start":1933.725,"end":1937.985,"sentiment":"neutral","sentiment_score":0.03801971673965454}],"sentiment":"neutral","sentiment_score":0.07400722427616928,"num_words":121,"start":1886.67,"end":1937.985},{"sentences":[{"text":"Yep.","start":1940.8601,"end":1941.3601,"sentiment":"neutral","sentiment_score":0.25468555092811584},{"text":"Yep.","start":1945.18,"end":1945.68,"sentiment":"neutral","sentiment_score":0.15571855008602142},{"text":"Yep.","start":1949.7401,"end":1950.06,"sentiment":"neutral","sentiment_score":0.006475324742496014},{"text":"Okay.","start":1950.06,"end":1950.56,"sentiment":"neutral","sentiment_score":-0.004968523979187012},{"text":"Yep.","start":1952.9401,"end":1953.225,"sentiment":"neutral","sentiment_score":0.0002892303164117038}],"sentiment":"neutral","sentiment_score":0.0824400264187716,"num_words":5,"start":1940.8601,"end":1953.225},{"sentences":[{"text":"Yep.","start":1953.705,"end":1954.205,"sentiment":"neutral","sentiment_score":0.01054857112467289},{"text":"Okay.","start":1954.6649,"end":1955.1649,"sentiment":"neutral","sentiment_score":0.18395447731018064},{"text":"That's absolutely fine.","start":1957.065,"end":1958.585,"sentiment":"positive","sentiment_score":0.3716281255086263},{"text":"I I I completely understand the the view of going ethical.","start":1958.585,"end":1964.765,"sentiment":"neutral","sentiment_score":0.22168288921768015},{"text":"I consider that myself in my own portfolio.","start":1965.225,"end":1968.285,"sentiment":"neutral","sentiment_score":0.1469735037535429}],"sentiment":"neutral","sentiment_score":0.2051536348493149,"num_words":24,"start":1953.705,"end":1968.285},{"sentences":[{"text":"I I feel for the the impact of insurance premiums and the long term growth.","start":1971.05,"end":1976.9901,"sentiment":"neutral","sentiment_score":-0.009445659816265106},{"text":"I did have to make the difficult decision.","start":1978.01,"end":1980.01,"sentiment":"neutral","sentiment_score":-0.13301652111113071},{"text":"I know some clients don't like it, which is why I always give the alternative so you can actually make a fully informed decision.","start":1980.01,"end":1989.245,"sentiment":"neutral","sentiment_score":0.03952007802824179},{"text":"Because, ultimately, it is your funds, and it and it is yours to do and invest how you wish.","start":1989.3049,"end":1997.45,"sentiment":"positive","sentiment_score":0.3418069654389432},{"text":"So I'm here just to give you the information for you to be able to make that decision.","start":1997.51,"end":2001.77,"sentiment":"neutral","sentiment_score":0.29522397824459606}],"sentiment":"neutral","sentiment_score":0.1375122471224694,"num_words":84,"start":1971.05,"end":2001.77},{"sentences":[{"text":"Yeah.","start":2002.07,"end":2002.57,"sentiment":"neutral","sentiment_score":0.1829138696193695},{"text":"So if you when if you wanna take some time to review it, the only thing I do ask is in that text box in this SOA section, it's just right in there if you are gonna what so what portfolio you wanna go with.","start":2005.9551,"end":2021.54,"sentiment":"neutral","sentiment_score":0.15986083067125745},{"text":"So you can just write non ethical or ethical option, please.","start":2021.54,"end":2025.64,"sentiment":"neutral","sentiment_score":0.11663724211129275},{"text":"And if you're happy to also proceed with the income protection so we can get the team to be in contact and start that process.","start":2025.7001,"end":2035.105,"sentiment":"neutral","sentiment_score":0.2916296809911728},{"text":"Okay.","start":2039.725,"end":2040.225,"sentiment":"neutral","sentiment_score":0.1802784502506256}],"sentiment":"neutral","sentiment_score":0.19434555889253158,"num_words":83,"start":2002.07,"end":2040.225},{"sentences":[{"text":"Any other questions at all that I can help?","start":2043.165,"end":2045.885,"sentiment":"neutral","sentiment_score":0.1913181733753946},{"text":"Or, I mean, even if you have any questions later today or tomorrow, just give me a call.","start":2045.885,"end":2052.5,"sentiment":"neutral","sentiment_score":0.08024172950536013},{"text":"But yeah.","start":2052.5,"end":2053.16,"sentiment":"neutral","sentiment_score":0.08131160959601402},{"text":"And I will wait to receive your instructions, and we can then go from there.","start":2053.22,"end":2060.385,"sentiment":"neutral","sentiment_score":0.11502181341250738},{"text":"Alright, James.","start":2063.265,"end":2064.065,"sentiment":"positive","sentiment_score":0.4034353047609329}],"sentiment":"neutral","sentiment_score":0.12741382002992474,"num_words":46,"start":2043.165,"end":2064.065},{"sentences":[{"text":"Well, thank you so much for your time this morning.","start":2064.065,"end":2065.745,"sentiment":"positive","sentiment_score":0.8300148546695709},{"text":"I really do appreciate it.","start":2065.745,"end":2067.205,"sentiment":"positive","sentiment_score":0.8256785273551941},{"text":"You're right.","start":2069.905,"end":2070.465,"sentiment":"positive","sentiment_score":0.7374002039432526},{"text":"Have a great day.","start":2070.465,"end":2071.425,"sentiment":"positive","sentiment_score":0.7933205515146255},{"text":"And, again, any questions, please feel free to call me.","start":2071.425,"end":2074.245,"sentiment":"neutral","sentiment_score":0.32215742617845533}],"sentiment":"positive","sentiment_score":0.6547805825548787,"num_words":31,"start":2064.065,"end":2074.245},{"sentences":[{"text":"Thanks.","start":2076.2908,"end":2076.7908,"sentiment":"positive","sentiment_score":0.6814953088760376},{"text":"Bye.","start":2076.931,"end":2077.431,"sentiment":"positive","sentiment_score":0.387879341840744}],"sentiment":"positive","sentiment_score":0.5346873253583908,"num_words":2,"start":2076.2908,"end":2077.431}]}}]},{"alternatives":[{"transcript":"Hello. Jen speaking. Hello? Yeah. Good, Jen. How are you? It sure is. Yep. James Edward Medland. 07/12/1994. Number 3, Balam Street, Slacks Creek, Queensland 4127. Yes. I sure do. Yeah. Yep. Sure is. Yeah. That's not a problem. Yeah. Perfect. Yep. Yeah. Yes. No. That all makes sense. Okay. Yep. No. Not interested. Okay. Yeah. Okay. Okay. Yep. Yes. It does. Okay. Yep. Thank you. Okay. Yep. Okay. Yep. Okay. Yep. Yeah. Okay. No. That don't make sense. Okay. Okay. Yes. Yep. Yep. Yeah. And you've already you've already sent me those documents for I think it was c d m. Okay. And I just need to reach out to them to establish that. Is that correct? Yep. Yeah. Okay. Okay. Perfect. Thank you. Yes. Okay. I'm just I have parked, and I'm just having a look at the document currently. So with the recommended fund, what would change with the current status? Okay. Bear with me for two seconds. So I've got an email from you this morning. Is that the one I'm looking at? Okay. Yep. Yep. I don't see that Charlie. Services guide there. I'm looking at now the The first document that's showing up for me is summary of superannuation and insurance as of the September 10. Okay. Okay. Just about the car. Is it too windy? Can you still hear me? Okay. Excellent. Yep. I've got it to say. Yep. Okay. It's got investment there. Yep. Yeah. Yeah. Sure does. Okay. Yep. Okay. Yep. Okay. Okay. Okay. Yes. Yes. Yep. Okay. Yep. Yeah. That's true. Okay. Brilliant. Yeah. Yep. Okay. No. No. That's all good. It does all make it does all make sense. So at the moment for me, I think my my option is to go with the recommended non ethical funds. Yeah. Okay. No worries. Yeah. No worries at all. No worries. Yeah. Thanks, Keha. Very easy. Thank you very much. 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Jen speaking. Hello? Yeah. Good, Jen.\n\nHow are you? It sure is. Yep. James Edward Medland. 07/12/1994.\n\nNumber 3, Balam Street, Slacks Creek, Queensland 4127. Yes. I sure do. Yeah. Yep.\n\nSure is. Yeah. That's not a problem. Yeah. Perfect.\n\nYep. Yeah. Yes. No. That all makes sense.\n\nOkay. Yep. No. Not interested. Okay.\n\nYeah. Okay. Okay. Yep. Yes.\n\nIt does. Okay. Yep. Thank you. Okay.\n\nYep. Okay. Yep. Okay. Yep.\n\nYeah. Okay. No. That don't make sense. Okay.\n\nOkay. Yes. Yep. Yep. Yeah.\n\nAnd you've already you've already sent me those documents for I think it was c d m. Okay. And I just need to reach out to them to establish that. Is that correct? Yep.\n\nYeah. Okay. Okay. Perfect. Thank you.\n\nYes. Okay. I'm just I have parked, and I'm just having a look at the document currently. So with the recommended fund, what would change with the current status? Okay.\n\nBear with me for two seconds. So I've got an email from you this morning. Is that the one I'm looking at? Okay. Yep.\n\nYep. I don't see that Charlie. Services guide there. I'm looking at now the The first document that's showing up for me is summary of superannuation and insurance as of the September 10. Okay.\n\nOkay. Just about the car. Is it too windy? Can you still hear me? Okay.\n\nExcellent. Yep. I've got it to say. Yep. Okay.\n\nIt's got investment there. Yep. Yeah. Yeah. Sure does.\n\nOkay. Yep. Okay. Yep. Okay.\n\nOkay. Okay. Yes. Yes. Yep.\n\nOkay. Yep. Yeah. That's true. Okay.\n\nBrilliant. Yeah. Yep. Okay. No.\n\nNo. That's all good. It does all make it does all make sense. So at the moment for me, I think my my option is to go with the recommended non ethical funds. Yeah.\n\nOkay. No worries. Yeah. No worries at all. No worries.\n\nYeah. Thanks, Keha. Very easy. Thank you very much. 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you.","start":691.635,"end":692.375,"sentiment":"positive","sentiment_score":0.7069039642810822},{"text":"Okay.","start":708.35,"end":708.85,"sentiment":"neutral","sentiment_score":0.1722908467054367}],"sentiment":"positive","sentiment_score":0.36554481089115143,"num_words":7,"start":617.185,"end":708.85},{"sentences":[{"text":"Yep.","start":776.20996,"end":776.70996,"sentiment":"neutral","sentiment_score":0.006147322710603476},{"text":"Okay.","start":777.25,"end":777.75,"sentiment":"neutral","sentiment_score":-0.01398361660540104},{"text":"Yep.","start":779.97504,"end":780.47504,"sentiment":"neutral","sentiment_score":0.035068318247795105},{"text":"Okay.","start":793.66003,"end":794.16003,"sentiment":"neutral","sentiment_score":0.14681550860404968},{"text":"Yep.","start":824.04,"end":824.54,"sentiment":"neutral","sentiment_score":-0.05435194447636604}],"sentiment":"neutral","sentiment_score":0.023939117696136235,"num_words":5,"start":776.20996,"end":824.54},{"sentences":[{"text":"Yeah.","start":855.44,"end":855.76,"sentiment":"neutral","sentiment_score":-0.002621554769575596},{"text":"Okay.","start":855.76,"end":856.26,"sentiment":"neutral","sentiment_score":-0.00683243852108717},{"text":"No.","start":864.85504,"end":865.09503,"sentiment":"negative","sentiment_score":-0.3563871681690216},{"text":"That don't make 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you've already you've already sent me those documents for I think it was c d m.","start":1046.535,"end":1052.875,"sentiment":"neutral","sentiment_score":0.02608390859163859},{"text":"Okay.","start":1065.5099,"end":1066.0099,"sentiment":"neutral","sentiment_score":0.1169741302728653},{"text":"And I just need to reach out to them to establish that.","start":1066.07,"end":1068.7899,"sentiment":"neutral","sentiment_score":0.07007022574543953},{"text":"Is that correct?","start":1068.7899,"end":1069.5299,"sentiment":"neutral","sentiment_score":0.10931764046351115},{"text":"Yep.","start":1084.535,"end":1085.035,"sentiment":"neutral","sentiment_score":0.16357815265655518}],"sentiment":"neutral","sentiment_score":0.05566983409773778,"num_words":34,"start":1046.535,"end":1085.035},{"sentences":[{"text":"Yeah.","start":1085.255,"end":1085.495,"sentiment":"neutral","sentiment_score":0.16640472412109375},{"text":"Okay.","start":1085.495,"end":1085.995,"sentiment":"neutral","sentiment_score":0.15779201686382294},{"text":"Okay.","start":1090.79,"end":1091.1901,"sentiment":"positive","sentiment_score":0.42280659079551697},{"text":"Perfect.","start":1091.1901,"end":1091.67,"sentiment":"positive","sentiment_score":0.6399507522583008},{"text":"Thank you.","start":1091.67,"end":1092.41,"sentiment":"positive","sentiment_score":0.5884408056735992}],"sentiment":"positive","sentiment_score":0.4273059492309888,"num_words":6,"start":1085.255,"end":1092.41},{"sentences":[{"text":"Yes.","start":1137.51,"end":1138.01,"sentiment":"neutral","sentiment_score":0.12122289091348648},{"text":"Okay.","start":1158.0249,"end":1158.5249,"sentiment":"neutral","sentiment_score":0.03551500290632248},{"text":"I'm just I have parked, and I'm just having a look at the document currently.","start":1158.585,"end":1164.9249,"sentiment":"neutral","sentiment_score":0.011335697630420328},{"text":"So with the recommended fund, what would change with the current status?","start":1182.815,"end":1193.6201,"sentiment":"neutral","sentiment_score":0.12666377828766903},{"text":"Okay.","start":1217.195,"end":1217.4349,"sentiment":"neutral","sentiment_score":0.12843163311481476}],"sentiment":"neutral","sentiment_score":0.06583901102809857,"num_words":30,"start":1137.51,"end":1217.4349},{"sentences":[{"text":"Bear with me for two seconds.","start":1217.4349,"end":1218.975,"sentiment":"neutral","sentiment_score":0.09892034468551476},{"text":"So I've got an email from you this morning.","start":1235.925,"end":1238.5651,"sentiment":"neutral","sentiment_score":0.09078310761186811},{"text":"Is that the one I'm looking at?","start":1238.5651,"end":1240.3451,"sentiment":"neutral","sentiment_score":0.04726020672491619},{"text":"Okay.","start":1242.0851,"end":1242.5851,"sentiment":"neutral","sentiment_score":0.0578882098197937},{"text":"Yep.","start":1247.125,"end":1247.625,"sentiment":"neutral","sentiment_score":0.02010743692517281}],"sentiment":"neutral","sentiment_score":0.07580779710163672,"num_words":24,"start":1217.4349,"end":1247.625},{"sentences":[{"text":"Yep.","start":1253.18,"end":1253.68,"sentiment":"neutral","sentiment_score":0.07171881198883057},{"text":"I don't see that Charlie.","start":1263.735,"end":1275.915,"sentiment":"neutral","sentiment_score":0.008231221884489059},{"text":"Services guide there.","start":1285.24,"end":1287.58,"sentiment":"neutral","sentiment_score":-0.006590701639652252},{"text":"I'm looking at now the The first document that's showing up for me is summary of superannuation and insurance as of the September 10.","start":1287.88,"end":1310.48,"sentiment":"neutral","sentiment_score":0.014972279740807911},{"text":"Okay.","start":1318.695,"end":1319.195,"sentiment":"neutral","sentiment_score":-0.06141082942485809}],"sentiment":"neutral","sentiment_score":0.011500785319025026,"num_words":34,"start":1253.18,"end":1319.195},{"sentences":[{"text":"Okay.","start":1373.325,"end":1373.825,"sentiment":"neutral","sentiment_score":0.011637463234364986},{"text":"Just about the car.","start":1381.965,"end":1382.9249,"sentiment":"neutral","sentiment_score":-0.04870667401701212},{"text":"Is it too windy?","start":1382.9249,"end":1384.0449,"sentiment":"neutral","sentiment_score":-0.13363736122846603},{"text":"Can you still hear me?","start":1384.0449,"end":1385.265,"sentiment":"neutral","sentiment_score":-0.07392604798078536},{"text":"Okay.","start":1387.53,"end":1387.93,"sentiment":"neutral","sentiment_score":0.16930624842643738}],"sentiment":"neutral","sentiment_score":-0.061204177948335804,"num_words":15,"start":1373.325,"end":1387.93},{"sentences":[{"text":"Excellent.","start":1387.93,"end":1388.43,"sentiment":"positive","sentiment_score":0.35236498713493347},{"text":"Yep.","start":1388.73,"end":1388.8367,"sentiment":"neutral","sentiment_score":0.1830296516418457},{"text":"I've got it to say.","start":1388.8367,"end":1392.11,"sentiment":"neutral","sentiment_score":0.18975428640842437},{"text":"Yep.","start":1402.085,"end":1402.405,"sentiment":"neutral","sentiment_score":0.04623355716466904},{"text":"Okay.","start":1402.405,"end":1402.725,"sentiment":"neutral","sentiment_score":0.0008352501317858696}],"sentiment":"neutral","sentiment_score":0.170137208679484,"num_words":9,"start":1387.93,"end":1402.725},{"sentences":[{"text":"It's got investment there.","start":1402.725,"end":1404.105,"sentiment":"neutral","sentiment_score":-0.04188723070546985},{"text":"Yep.","start":1411.9249,"end":1412.4249,"sentiment":"neutral","sentiment_score":-0.012068979442119598},{"text":"Yeah.","start":1444.7999,"end":1445.12,"sentiment":"neutral","sentiment_score":0.1041102334856987},{"text":"Yeah.","start":1445.12,"end":1445.44,"sentiment":"neutral","sentiment_score":0.144028902053833},{"text":"Sure 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true.","start":1799.005,"end":1799.9049,"sentiment":"neutral","sentiment_score":0.18631820380687714},{"text":"Okay.","start":1856.7849,"end":1857.2849,"sentiment":"positive","sentiment_score":0.44206809997558594}],"sentiment":"neutral","sentiment_score":0.1785800705353419,"num_words":6,"start":1787.91,"end":1857.2849},{"sentences":[{"text":"Brilliant.","start":1857.52,"end":1858.02,"sentiment":"positive","sentiment_score":0.5665707588195801},{"text":"Yeah.","start":1913.5801,"end":1914.0801,"sentiment":"neutral","sentiment_score":0.1041237860918045},{"text":"Yep.","start":1927.765,"end":1928.265,"sentiment":"neutral","sentiment_score":0.12413346767425536},{"text":"Okay.","start":1932.085,"end":1932.585,"sentiment":"neutral","sentiment_score":0.05204404518008232},{"text":"No.","start":1938.805,"end":1939.045,"sentiment":"neutral","sentiment_score":-0.15230175852775574}],"sentiment":"neutral","sentiment_score":0.1389140598475933,"num_words":5,"start":1857.52,"end":1939.045},{"sentences":[{"text":"No.","start":1939.045,"end":1939.205,"sentiment":"neutral","sentiment_score":-0.13562262058258057},{"text":"That's all good.","start":1939.205,"end":1940.265,"sentiment":"neutral","sentiment_score":-0.04691153019666672},{"text":"It does all make it does all make sense.","start":1941.38,"end":1944.6,"sentiment":"neutral","sentiment_score":0.31647856699095833},{"text":"So at the moment for me, I think my my option is to go with the recommended non ethical funds.","start":1944.8999,"end":1954.6799,"sentiment":"neutral","sentiment_score":0.051455801073461774},{"text":"Yeah.","start":2001.78,"end":2002.28,"sentiment":"neutral","sentiment_score":0.17811045050621033}],"sentiment":"neutral","sentiment_score":0.11115224599180852,"num_words":34,"start":1939.045,"end":2002.28},{"sentences":[{"text":"Okay.","start":2037.44,"end":2037.94,"sentiment":"neutral","sentiment_score":0.1824517846107483},{"text":"No worries.","start":2038.0,"end":2038.6599,"sentiment":"neutral","sentiment_score":0.1839703544974327},{"text":"Yeah.","start":2061.1099,"end":2061.43,"sentiment":"neutral","sentiment_score":0.1924527883529663},{"text":"No worries at all.","start":2061.43,"end":2062.49,"sentiment":"neutral","sentiment_score":0.27155735343694687},{"text":"No worries.","start":2067.75,"end":2068.23,"sentiment":"positive","sentiment_score":0.45877328515052795}],"sentiment":"neutral","sentiment_score":0.27466212660074235,"num_words":10,"start":2037.44,"end":2068.23},{"sentences":[{"text":"Yeah.","start":2068.23,"end":2068.31,"sentiment":"positive","sentiment_score":0.5111833810806274},{"text":"Thanks, Keha.","start":2068.31,"end":2069.13,"sentiment":"positive","sentiment_score":0.708050936460495},{"text":"Very easy.","start":2074.815,"end":2075.295,"sentiment":"positive","sentiment_score":0.6940493881702423},{"text":"Thank you very much.","start":2075.295,"end":2076.195,"sentiment":"positive","sentiment_score":0.8007966727018356},{"text":"Bye bye.","start":2077.935,"end":2078.675,"sentiment":"neutral","sentiment_score":0.045400191098451594}],"sentiment":"positive","sentiment_score":0.6008519184860316,"num_words":11,"start":2068.23,"end":2078.675}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Jen speaking. Hello?\n\nChannel 0: Hi. Hi, James. It's Jenna here from Oakview Financial. How are you today?\n\nChannel 1: Yeah. Good, Jen. How are you?\n\nChannel 0: I'm well. I'm well. Just before I go any further, I do need to confirm and let you know that our calls are recorded for quality and coaching purposes. Is that okay?\n\nChannel 1: It sure is.\n\nChannel 0: Thank you, James. Can I please also ask for you to confirm your full name, date of birth, and address? Thanks.\n\nChannel 1: Yep. James Edward Medland. 07/12/1994. Number 3, Balam Street, Slacks Creek, Queensland 4127.\n\nChannel 0: Fantastic. Thanks, James. I'm calling to talk through that advice about your superannuation portfolio. Do you have any time do you have time now?\n\nChannel 1: Yes. I sure do.\n\nChannel 0: Oh, fantastic. I know you're driving. Are you are you are you sure it's okay to proceed?\n\nChannel 1: Yeah. Yep. Sure\n\nChannel 0: Yes?\n\nChannel 1: is.\n\nChannel 0: Alright. Alright. Fantastic. What I've done is I have actually emailed you the advice document. So I'm gonna talk through it And and at when you have the opportunity to I'd ask that you review it before proceeding, if that's okay.\n\nChannel 1: Yeah. That's not a problem.\n\nChannel 0: Lovely. Okay. So the document itself is called a statement of advice. It contains all the advice that we are recommending in relation to your stated goals and objectives. There's a cover page which just outlines that I'm the one providing the advice to you through Oakview Financial, and there's a table of contents and the what it what we call our duty of best interest.\n\nSo that means that any advice that we provide to you needs to be in your best interests and suit your circumstances.\n\nChannel 1: Yeah. Perfect.\n\nChannel 0: Within that, this statement of advice has several goals. The ones that we're addressing in this advice document is reviewing your superannuation and investing in ethical and green options with a minimum of 80% allocated, possibly 100%. You have also said that you're comfortable with your levels of life and TPD insurance. You don't wanna look at trauma insurance, but in our review, I did highlight that you had no income protection and being self employed, if anything was to happen to you due to injury or illness, that could come into play. And you said, have a look at that.\n\nChannel 1: Yep.\n\nChannel 0: And, also, a general recommendation that we make for all clients that don't have them is to arrange a will and power of attorney. So that's\n\nChannel 1: Yeah.\n\nChannel 0: what we're covering in this document. The goals that we're not we're not covering at this time is retirement goals simply because it's a significant period of time away. We don't need to address that as yet. And your savings of 150 a week continues to go to your opposite account along with the raising and renovation of your home.\n\nChannel 1: Yes.\n\nChannel 0: Throughout the document, the advice is provided based on the information you've provided us through recent review. I'm also not a legal practitioner, so I can't do wills or attorneys. They do need to be done by a wills or powers of attorney. They do need to be done by a solicitor. So any questions so far?\n\nChannel 1: No. That all makes\n\nChannel 0: No?\n\nChannel 1: sense.\n\nChannel 0: Wonderful. Thank you. The next section in the document when you do navigate through it is the about you section. So this is the information that I confirmed in the annual review with you. So income, employment, lifestyle, and assets, liabilities, superannuation, and current insurances.\n\nIn our review, we talked about your risk profile, and that's the allocation of growth assets to defensive assets, you may recall. And we you agreed that you would like to stay as a high growth investor, which means typically, we'd see 90% of your assets allocated to gross being shares, listed property, and 10% of defensive assets such as cash and fixed interest, for example.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Yep. The next part is the actual strategy. So I there's probably two elements to the strategy and the advice I've provided. I looked at your goal of ethical and green type of investments. There's a portfolio that is not.\n\nThe reason I did that is your superannuation goal is to obvious obviously for growth, but also the green I took in the ethical option. So I took into account both goals, which are clearly different. I've considered two options. My recommendation is actually to not go with an ethical portfolio, and the reason for that is you are, in the long term, going to lose out on growth opportunities, which could impact your retirement goals. However, I've still included that ethical portfolio in there for you to consider as well.\n\nSo it is entirely up to you. My my recommendation is to put you in a better financial position, but I've also taken into account your desire to go for a ethical green portfolio and included that as well. So any questions about that\n\nChannel 1: No. Not\n\nChannel 0: before\n\nChannel 1: interested.\n\nChannel 0: I dig a bit deeper? So what I've so, basically, what I've done is I've compared the investment portfolio that I'm recommending, which is an OVLA high growth portfolio, versus the ethical portfolio that we've put together. To go the ethical portfolio, excuse me, you will realize higher capital gains tax. So that means we sell down the assets in your current portfolio, and the superannuation fund will incur a capital gains, which they'll pay. That's about $1,300 rounded up versus by changing to the OVLA high growth strategy around $203 capital gains.\n\nThe the portfolio as well that I've recommended over the ethical is approximately $50 cheaper a year, which isn't much near here nor here nor there. It's just a consideration for you to consider. So what I have done is in within the statement of advice, it does recommend that the portfolio that is not the ethical option. But in the appendix, which is the second document that you'll have access to, that includes all the information for the ethical portfolio.\n\nChannel 1: Okay.\n\nChannel 0: So the advantages and disadvantages are gonna be very similar to both. When we the disadvantages are obviously, with the one that I've recommended, it's not gonna align with your ethical goals and objectives. Both of them are gonna incur some brokerage costs when we do transact on the account to replace underperforming assets or go the ethical pathway. And there is gonna be capital gains regardless of what what decisions made. It it will just vary to those figures that I mentioned before.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Yeah. So the the strategy there outlines that with your the the non ethical portfolio that I've recommended, you're gonna save approximately $388 a year in fees. And in ten years oh, in five years' time, the projected balance for your difference is about 37,500. And in ten years' time, it's about a 101,000. So the projections for that in the difference compared to right now by\n\nChannel 1: Okay.\n\nChannel 0: changing your investment options and, obviously, continuing with the regular reviews because that's the important part as well.\n\nChannel 1: Yep.\n\nChannel 0: It will also show on page 20 the breakdown of the investment options that I've recommended. There is somewhat similar to what you're currently invested in, just a little bit more exposure to different economies like Europe, increasing your exposure to Europe, removing your exposure to Asia at this point in time, and excuse me. And just diversifying that portfolio a little bit further. The portfolio I've recommended is in line with your risk profile, so you end up about 93% in growth assets, 7% in defensive assets, which is at ninety ten variance given your age and 20 I think it was twenty eight years to retirement. Sorry.\n\nI thought it skipped my mind. You you have the time to be able to withstand those variations. Does that make sense?\n\nChannel 1: Yes. It does.\n\nChannel 0: Yep. What I'm gonna do is I'm gonna jump to the appendix just to talk through the difference in the ethical investment. So with the so that's the portfolio I have recommended based on financial outcomes. Now the\n\nChannel 1: Okay.\n\nChannel 0: ethical investment analysis is in the appendix and contains the same information. So you will have a fee saving of approximately $335 per year. Your projected lump sum your projected balance in five years' time is about an additional $13,500, and in ten years' time, it's about $36,000. So that's one of the main reasons I've recommended the other portfolio because financially, it's gonna help you have access to more growth options over the longer term. Again, it comes down to your decision, and I didn't make that recommendation lightly to knowing that your goal was specifically for invest for ethical investment options.\n\nSo that's why I have included both for you to make an informed decision.\n\nChannel 1: Yep. Thank you.\n\nChannel 0: That's okay. And, again, that ethical portfolio is gonna see you invested in line with your high growth portfolio. You'll have about 89% in gross assets and about 11% in defensive assets. So they're\n\nChannel 1: Okay.\n\nChannel 0: both in there just in different parts of the document. The next recommendation is to apply for income protection. So this is, as I mentioned in our review, to cover you if you're unable to work due to sickness or injury. What that means is I've recommended a monthly benefit of $4,083, and that's 70% of your income that you confirmed to me, your taxable income in our review. Your waiting period is thirty days, so that means you have to be unable to work for thirty days, and then your benefit will kick in.\n\nSo I I kind of compare it to, like, a car excess. If you have a claim, it's it's your excess. So it's the number of instead of a financial excess, it's the number of days you need to wait, and then your benefit period of six years. So that's how long you are eligible to be paid for should you be unable to work due to injury or illness\n\nChannel 1: Yep.\n\nChannel 0: depending on,\n\nChannel 1: Okay.\n\nChannel 0: you know, the severity of it.\n\nChannel 1: Yep.\n\nChannel 0: So the cost of that is I've recommended to be funded from your superannuation fund so it doesn't impact your personal cash flow. Your superannuation fund will count claim it as a tax deduction.\n\nChannel 1: Okay.\n\nChannel 0: So that's beneficial to your superannuation fund in that respect, but it also does impact the the balance over the long term. So any insurance paid for out of your super does deplete the balance in the long term, which is probably also why I have gone with the recommendation of the non ethical portfolio to ensure that it your funds aren't depleted too quickly.\n\nChannel 1: Yep.\n\nChannel 0: So there is there's a table in there that does show the premium and the five and ten year impact and how having the insurance in there will cost about $17,000 life overall over ten years. It will impact your 16,000 portfolio over that ten years, having your life your existing life and TPD as well as your income protection.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Any questions about the income protection or anything I've said so\n\nChannel 1: No. That don't make sense.\n\nChannel 0: far? Yeah. Okay. I have also recommended establishing a will, which in here just outlines the advantages and disadvantages, which is, you know, your estate will be distributed as per your wishes. If you die without a will, it does leave your wife and daughter without access to assets longer as it\n\nChannel 1: Okay.\n\nChannel 0: will need to go through the public trustee. So it's it's something that you should definitely look at. And a power of attorney, which I explained previously that I kind of explain it as a living will. So you're giving someone the authority to make decisions financially and health wise if we are unable to make them.\n\nChannel 1: Okay.\n\nChannel 0: So we automatically assume it's our spouse, but that's actually not the case legally. You do need to nominate it.\n\nChannel 1: Yes.\n\nChannel 0: Your our ongoing services is in here, so nothing's changed there. So we complete that in your reviews. If any of your circumstances change at any time or you need further advice, you reach out, and that's that's what your ongoing fee covers that we spoke about in your previous review.\n\nChannel 1: Yep.\n\nChannel 0: Now remuneration wise, we get paid a commission from the insurance company. So that's not an additional cost to you. So if you do take out that one path policy, Oakview will receive approximately $772 for the establishment of that policy and ongoing $257 a year for that policy. Your adviser fee remains the same, $1,554 a year, which is deducted from your super fund, So no changes there. We if you wish to implement the advice, we would there's a section within the document that you sign, which I'll move to in a moment, and then we proceed with changing your superannuation investments as per your directions.\n\nWith the income protection, it will be someone from our team will contact you to complete to run you through the process of the application and complete that with you. For the income protection, as mentioned, you'll need to go through the underwriting process again. However, I think when we spoke last time, you said you're relatively healthy with no no issues, so I don't see that being an issue.\n\nChannel 1: Yep.\n\nChannel 0: And then lastly, consult with a lawyer to organize your wills and powers of attorney when you're able to.\n\nChannel 1: Yeah.\n\nChannel 0: Page\n\nChannel 1: And you've\n\nChannel 0: 40\n\nChannel 1: already\n\nChannel 0: of the yep.\n\nChannel 1: you've already sent me those documents for I think it was c\n\nChannel 0: Yeah.\n\nChannel 1: d m.\n\nChannel 0: I yes. Because I am. That's right. Yeah. Yep.\n\nYeah. So they can do everything that, like, the way we do it with you. So they can do it over the phone and virtually with you to make it nice and easy.\n\nChannel 1: Okay. And I just need to\n\nChannel 0: Yeah.\n\nChannel 1: reach out to them to establish that. Is that correct?\n\nChannel 0: Absolutely. Send them an email or give them a phone call, whatever works best for you, and let them know that you're a client of Oakview Financial and you've been referred to them, and they will work with you\n\nChannel 1: Yep. Yeah. Okay.\n\nChannel 0: to get your your matters addressed.\n\nChannel 1: Okay. Perfect. Thank you.\n\nChannel 0: Page 40 of the statement advice is the authority section. So when you decide when you've had the opportunity to review the document and decide which portfolio you would like to proceed with, there's a electronic signature option. You'll note above the electronic signature section that there's a box for you to write text in. What I do ask is if in that before you do sign in that text area, if you articulate this is where if you wanna make changes. So if you can write which portfolio you would like to go with so that we make sure that it is actually implemented as per your actual wishes.\n\nChannel 1: Yes.\n\nChannel 0: So whether it be the ethical portfolio or the alternative portfolio, and also if you wish to proceed with the income protection once you've had a chance to review that. That will then let us know what to action on your behalf, and the implementation process will then begin from there.\n\nChannel 1: Okay.\n\nChannel 0: Any questions\n\nChannel 1: I'm\n\nChannel 0: about\n\nChannel 1: just I have parked, and I'm just having a look at the document currently.\n\nChannel 0: okay. Beautiful.\n\nChannel 1: So with the recommended fund,\n\nChannel 0: Mhmm.\n\nChannel 1: what would change with the current status?\n\nChannel 0: Okay. So if you go to page 20, this is gonna give us a table of what's what would change. Or page 21, actually, I think it is. It should be a heading called investments for the table.\n\nChannel 1: Okay. Bear with me for two seconds.\n\nChannel 0: You're absolutely fine. Take your time.\n\nChannel 1: So I've got an email from you this morning. Is that the one I'm looking at?\n\nChannel 0: That you yes. Yeah. So it'll be\n\nChannel 1: Okay.\n\nChannel 0: the same process as the review documents. So you you click the option that says sign here or\n\nChannel 1: Yep.\n\nChannel 0: click here to sign. You're not signing anything there. We're just same as the review, just going over the documents.\n\nChannel 1: Yep.\n\nChannel 0: So so the first document should be the statement of advice and that if you go to page twenty twenty one,\n\nChannel 1: I\n\nChannel 0: there should be an investments option table there.\n\nChannel 1: don't see that Charlie. Services guide there. I'm looking at now the\n\nChannel 0: It should be the first document. So if you navigate back to the first document, you you have to scroll because it is a rather large document.\n\nChannel 1: The first document that's showing up for me is summary of superannuation and insurance as of the September 10.\n\nChannel 0: Okay. They've hang on a second. It looks like the wrong one's been sent to you. Give me one second.\n\nChannel 1: Okay.\n\nChannel 0: Sorry about that, James. I'm just gonna jump in. Alright. Let me try this again. Request.\n\nAlright. I'm hitting send on it again.\n\nChannel 1: Okay.\n\nChannel 0: Let me know when you received that one through.\n\nChannel 1: Just about the car. Is it too windy? Can you still hear me?\n\nChannel 0: No. I can hear you. That's fine.\n\nChannel 1: Okay. Excellent. Yep. I've got it to say.\n\nChannel 0: Beautiful. So page 20 or 21 in that document.\n\nChannel 1: Yep. Okay. It's got investment there.\n\nChannel 0: Yep. Yep. So we're gonna be removing completely out of that Benelong Australian Equities Fund that we discussed. So that was the underperforming one.\n\nChannel 1: Yep.\n\nChannel 0: We are also gonna move out of the battery tech and lithium as well as the global agriculture. And the purpose of that was I took into account the ethical approach you wanted to take and tried to look at a portfolio that will still provide provide growth but be as friendly as possible if that makes sense.\n\nChannel 1: Yeah. Yeah. Sure does.\n\nChannel 0: So yeah. So we're still remaining the site keeping the cybersecurity asset, the BetaShares cybersecurity. It's performing well. We're you'll see we're taking a little bit out of that asset to just rebalance back to your high growth. We're removing ourselves completely from the iShares Asia,\n\nChannel 1: Okay.\n\nChannel 0: and we are increasing the assets to iShares Europe. So increasing our exposure to the Europe market. We are also increasing our exposure a little bit to The US market\n\nChannel 1: Yep.\n\nChannel 0: with the iShares S and P 500.\n\nChannel 1: Okay. Yep.\n\nChannel 0: We we are removing the Global Health and Vanguard diversified index and spreading those funds out across the remaining investments in the portfolio. So you'll see that we're still holding some Japan exposure, which is why we've removed to Asia because we don't want to double up there. We're keeping the beta shares or sorry. We're implementing the beta shares Australian 200. That's the replacement for the Benelon Australian equities that was underperforming.\n\nChannel 1: Okay.\n\nChannel 0: And we're we're buying into some physical gold, which provides a little bit of a defensive asset in the portfolio depending on how the market behaves. Gold can be quite a good little defensive asset. And the iShares at the bottom core composite bonds, that's the recommended replacement for the bank hybrid investment option that I spoke to you about in the review that's gonna be phased out from January 2027.\n\nChannel 1: Okay.\n\nChannel 0: So as I mentioned, the ethical portfolio is in the second document that's after this one. If you did you want me to I'll talk through I've got well, I'll just open that up. So that document's called the appendix. So when you've got the appendix, if you keep scrolling, you should it should take you down to the appendix. Oh, okay.\n\nIt shouldn't do that. It should is there an arrow across the top that yep. Perfect. I'm just opening it up on my screen. My computer is not playing friendly today.\n\nSo what this contains so the first part of it is just a it's a table that outlines your the different risk profiles. So you're a high growth risk profile. So that's second in from the right, and you'll see the ninety ten split. So it just explains typically how we invest your funds across the different sectors in the market. The important information about this SOA that I do need to visit is that the contents of the SOA are act as accurate and as possible based on the information that you've provided with us, and that you do need to make a decision on the recommendations within this SOA within sixty days of the date of it.\n\nBecause after that period of time, we'll need to redo it just based on the fact that client's financial and personal situations are likely to change in that time. So\n\nChannel 1: Okay.\n\nChannel 0: there is a currency in relation to that. The there is also a page that has the link to all the investment options that I've recommended. So you can click on those and read through the product disclosure statements there. And then following that is the ethical investment analysis. So it will show you a fee table.\n\nSo current versus the recommended. So this is if you were to go with the ethical investment option, you will see that there's a fee saving in the right hand column. That figure that negative figure at the top is the capital gains tax that will be applied when we will will be realized when we sell down the portfolio and invest, and then the fees in that right hand column are the difference. So you're definitely gonna have a fee saving. Your insurance premiums are gonna increase because of the income protection, which is that negative figure there of $994, and\n\nChannel 1: Yes.\n\nChannel 0: the overall fee savings 335. The table below that is the projected balance. So the lump sum in five years, your current balance, if we remain invested as we currently are, is projected out to be a 122,000. In the ethical portfolio, it would be 135,000 and the same for ten years. So that's how that is calculated.\n\nThe green\n\nChannel 1: Yes.\n\nChannel 0: figure being the total difference. So when you have the opportunity to go back through the SOA, you can look at the same table for the not ethical portfolio option and see the difference there. And then the next page just shows you the annualized investment returns. So what we've done here is your current portfolio, what you're currently in, the recommended portfolio, which is the one that I have actually recommended, and then the ethical portfolio. So it just shows you the returns, the historical returns over the long term, which\n\nChannel 1: Yep. Okay.\n\nChannel 0: obviously are\n\nChannel 1: Yep.\n\nChannel 0: no indication for future performance, but we do look at it as a guide to the quality of the investment managers within\n\nChannel 1: Yeah.\n\nChannel 0: the portfolio\n\nChannel 1: That's true.\n\nChannel 0: And the investment options of the ethical portfolio are listed there. So you'd have ethically con the Vanguard ethically conscious Australian shares fund, the ethical world excluding Australia's shares, so that would be your international. Some global sustainability would still include the cybersecurity for a growth element. The BetaShares Electric Vehicles and Future Mobility Fund, some global agriculture, as well as some emerging markets that are carbon aware they're carbon aware focused, And then again, your defensive portfolio, which isn't an ethical option being that, again, the iShares care core composite bond. So that's in replacement of the hybrid investment option.\n\nChannel 1: Okay. Brilliant.\n\nChannel 0: Again, following that, your proposed asset allocation will be within line will be in line with your high risk growth portfolio. And the final page on that is well, not the final. It's a bit of a blurb there on how we calculate our investment returns, and it explains how that is done. And then the last couple of pages are about the insurance. So we did look at a few other insurance companies for your income protection being OnePath, Encompass, Clearview, and Ascender with what those premiums are.\n\nAnd then there's information for you to read about holding insurance through superannuation, which I I believe you're probably already aware of because you hold the life and TPD insurance through super. So that's the impacts of it.\n\nChannel 1: Yeah.\n\nChannel 0: So as I mentioned earlier, the impact to the balance, as long as we review it every year and make sure it's in line with your needs, we can make changes as needed, decrease or increase just to make\n\nChannel 1: Yep.\n\nChannel 0: sure that you're you're adequately protected.\n\nChannel 1: Okay.\n\nChannel 0: Any questions about that huge amount of information I've just downloaded to you?\n\nChannel 1: No. No. That's all good.\n\nChannel 0: Yep.\n\nChannel 1: It does all make it does all make sense. So\n\nChannel 0: Yep.\n\nChannel 1: at the moment for me, I think my my option is to go with the recommended\n\nChannel 0: Yep. Okay.\n\nChannel 1: non ethical\n\nChannel 0: Yep. Yep.\n\nChannel 1: funds.\n\nChannel 0: Okay. That's absolutely fine. I I I completely understand the the view of going ethical. I consider that myself in my own portfolio. I I feel for the the impact of insurance premiums and the long term growth.\n\nI did have to make the difficult decision. I know some clients don't like it, which is why I always give the alternative so you can actually make a fully informed decision. Because, ultimately, it is your funds, and it and it is yours to do and invest how you wish. So I'm here just to give you the information for you to be able to make that decision.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. So if you when if you wanna take some time to review it, the only thing I do ask is in that text box in this SOA section, it's just right in there if you are gonna what so what portfolio you wanna go with. So you can just write non ethical or ethical option, please. And if you're happy to also proceed with the income protection so we can get the team to be in contact and start that process.\n\nChannel 1: Okay. No worries.\n\nChannel 0: Okay. Any other questions at all that I can help? Or, I mean, even if you have any questions later today or tomorrow, just give me a call. But yeah. And I will wait to receive your instructions, and we can then go from there.\n\nChannel 1: Yeah. No worries at all.\n\nChannel 0: Alright, James. Well, thank you so much for your time this morning. I really do appreciate it.\n\nChannel 1: No worries. Yeah. Thanks, Keha.\n\nChannel 0: You're right. Have a great day. And, again, any questions, please feel free to call me.\n\nChannel 1: Very easy. Thank you very much.\n\nChannel 0: Thanks. Bye.\n\nChannel 1: Bye bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.04,"end":1.4399999,"sentiment":"neutral","sentiment_score":0.016672872006893158},{"text":"Jen speaking.","start":1.4399999,"end":2.1799998,"sentiment":"neutral","sentiment_score":0.011444814968854189},{"text":"Hello?","start":5.04,"end":5.54,"sentiment":"neutral","sentiment_score":0.01876126602292061}],"sentiment":"neutral","sentiment_score":0.014580941991880536,"channel":1,"num_words":4,"start":1.04,"end":5.54},{"sentences":[{"text":"Hi.","start":5.52,"end":6.02,"sentiment":"neutral","sentiment_score":0.08651737868785858},{"text":"Hi, James.","start":6.08,"end":7.14,"sentiment":"neutral","sentiment_score":0.13506563752889633},{"text":"It's Jenna here from Oakview Financial.","start":7.68,"end":9.76,"sentiment":"neutral","sentiment_score":0.1638301983475685},{"text":"How are you today?","start":9.76,"end":10.74,"sentiment":"neutral","sentiment_score":0.2143891043961048}],"sentiment":"neutral","sentiment_score":0.16901432780119088,"channel":0,"num_words":13,"start":5.52,"end":10.74},{"sentences":[{"text":"Yeah.","start":11.12,"end":11.599999,"sentiment":"neutral","sentiment_score":0.2286808043718338},{"text":"Good, Jen.","start":11.599999,"end":12.08,"sentiment":"positive","sentiment_score":0.3976660221815109},{"text":"How are you?","start":12.08,"end":12.795,"sentiment":"neutral","sentiment_score":0.32885707418123883}],"sentiment":"positive","sentiment_score":0.33509734521309537,"channel":1,"num_words":6,"start":11.12,"end":12.795},{"sentences":[{"text":"I'm well.","start":13.304999,"end":14.025,"sentiment":"positive","sentiment_score":0.3620876967906952},{"text":"I'm well.","start":14.025,"end":14.585,"sentiment":"positive","sentiment_score":0.3817998319864273},{"text":"Just before I go any further, I do need to confirm and let you know that our calls are recorded for quality and coaching purposes.","start":14.585,"end":20.525,"sentiment":"neutral","sentiment_score":0.034138674959540365},{"text":"Is that okay?","start":20.585,"end":21.404999,"sentiment":"neutral","sentiment_score":0.05656332274278005}],"sentiment":"neutral","sentiment_score":0.0784666218678467,"channel":0,"num_words":32,"start":13.304999,"end":21.404999},{"sentences":[{"text":"It sure is.","start":22.075,"end":23.135,"sentiment":"neutral","sentiment_score":0.1420669381817182}],"sentiment":"neutral","sentiment_score":0.1420669381817182,"channel":1,"num_words":3,"start":22.075,"end":23.135},{"sentences":[{"text":"Thank you, James.","start":23.785,"end":24.765,"sentiment":"positive","sentiment_score":0.3491525550683339},{"text":"Can I please also ask for you to confirm your full name, date of birth, and address?","start":26.019999,"end":30.34,"sentiment":"neutral","sentiment_score":0.07153222271624733},{"text":"Thanks.","start":30.34,"end":30.84,"sentiment":"neutral","sentiment_score":0.10227228701114656}],"sentiment":"neutral","sentiment_score":0.11265608278058824,"channel":0,"num_words":21,"start":23.785,"end":30.84},{"sentences":[{"text":"Yep.","start":31.45,"end":31.85,"sentiment":"neutral","sentiment_score":0.03035636246204376},{"text":"James Edward Medland.","start":31.85,"end":33.15,"sentiment":"neutral","sentiment_score":0.01819155551493168},{"text":"07/12/1994.","start":33.21,"end":35.15,"sentiment":"neutral","sentiment_score":0.015326050110161304},{"text":"Number 3, Balam Street, Slacks Creek, Queensland 4127.","start":35.29,"end":39.39,"sentiment":"neutral","sentiment_score":0.029685021843761206}],"sentiment":"neutral","sentiment_score":0.025979788759006903,"channel":1,"num_words":13,"start":31.45,"end":39.39},{"sentences":[{"text":"Fantastic.","start":39.699997,"end":40.199997,"sentiment":"positive","sentiment_score":0.6078579425811768},{"text":"Thanks, James.","start":40.685,"end":41.505,"sentiment":"positive","sentiment_score":0.5071804076433182},{"text":"I'm calling to talk through that advice about your superannuation portfolio.","start":41.805,"end":45.985,"sentiment":"neutral","sentiment_score":0.2001265057108619},{"text":"Do you have any time do you have time now?","start":46.045,"end":48.864998,"sentiment":"neutral","sentiment_score":0.054731590673327446}],"sentiment":"neutral","sentiment_score":0.18212192614252368,"channel":0,"num_words":24,"start":39.699997,"end":48.864998},{"sentences":[{"text":"Yes.","start":49.425,"end":49.745,"sentiment":"neutral","sentiment_score":0.07264372706413269},{"text":"I sure do.","start":49.745,"end":50.644997,"sentiment":"neutral","sentiment_score":0.11002329488595326}],"sentiment":"neutral","sentiment_score":0.10067840293049812,"channel":1,"num_words":4,"start":49.425,"end":50.644997},{"sentences":[{"text":"Oh, fantastic.","start":51.004997,"end":51.824997,"sentiment":"positive","sentiment_score":0.3563265949487686},{"text":"I know you're driving.","start":53.245,"end":54.385,"sentiment":"neutral","sentiment_score":0.16841904073953629},{"text":"Are you are you are you sure it's okay to proceed?","start":55.559998,"end":58.62,"sentiment":"neutral","sentiment_score":0.08028703047470613}],"sentiment":"neutral","sentiment_score":0.13349921694573233,"channel":0,"num_words":17,"start":51.004997,"end":58.62},{"sentences":[{"text":"Yeah.","start":59.350002,"end":59.670002,"sentiment":"neutral","sentiment_score":0.05210168659687042},{"text":"Yep.","start":59.670002,"end":60.07,"sentiment":"neutral","sentiment_score":0.04980887100100517},{"text":"Sure","start":60.07,"end":60.31,"sentiment":"neutral","sentiment_score":0.04807157814502716}],"sentiment":"neutral","sentiment_score":0.049994045247634254,"channel":1,"num_words":3,"start":59.350002,"end":60.31},{"sentences":[{"text":"Yes?","start":60.199997,"end":60.6,"sentiment":"neutral","sentiment_score":0.05778423696756363}],"sentiment":"neutral","sentiment_score":0.05778423696756363,"channel":0,"num_words":1,"start":60.199997,"end":60.6},{"sentences":[{"text":"is.","start":60.31,"end":60.81,"sentiment":"neutral","sentiment_score":0.06655634194612503}],"sentiment":"neutral","sentiment_score":0.06655634194612503,"channel":1,"num_words":1,"start":60.31,"end":60.81},{"sentences":[{"text":"Alright.","start":60.6,"end":61.1,"sentiment":"neutral","sentiment_score":0.14735832810401917},{"text":"Alright.","start":61.16,"end":61.48,"sentiment":"neutral","sentiment_score":0.25630107522010803},{"text":"Fantastic.","start":61.48,"end":61.98,"sentiment":"positive","sentiment_score":0.5140929222106934},{"text":"What I've done is I have actually emailed you the advice document.","start":62.359997,"end":66.46,"sentiment":"neutral","sentiment_score":0.21147876605391502},{"text":"So I'm gonna talk through it And and at when you have the opportunity to I'd ask that you review it before proceeding, if that's okay.","start":66.92,"end":81.475,"sentiment":"neutral","sentiment_score":0.11848564804173432}],"sentiment":"neutral","sentiment_score":0.15941766749431446,"channel":0,"num_words":41,"start":60.6,"end":81.475},{"sentences":[{"text":"Yeah.","start":81.955,"end":82.275,"sentiment":"neutral","sentiment_score":0.16145916283130646},{"text":"That's not a problem.","start":82.275,"end":83.175,"sentiment":"neutral","sentiment_score":0.28263699263334274}],"sentiment":"neutral","sentiment_score":0.2584014266729355,"channel":1,"num_words":5,"start":81.955,"end":83.175},{"sentences":[{"text":"Lovely.","start":83.695,"end":84.195,"sentiment":"positive","sentiment_score":0.47957393527030945},{"text":"Okay.","start":84.57,"end":84.810005,"sentiment":"neutral","sentiment_score":0.2481096088886261},{"text":"So the document itself is called a statement of advice.","start":84.810005,"end":87.85,"sentiment":"neutral","sentiment_score":0.1607584610581398},{"text":"It contains all the advice that we are recommending in relation to your stated goals and objectives.","start":87.85,"end":94.83,"sentiment":"neutral","sentiment_score":0.1648692663978128},{"text":"There's a cover page which just outlines that I'm the one providing the advice to you through Oakview Financial, and there's a table of contents and the what it what we call our duty of best interest.","start":95.29,"end":114.99,"sentiment":"neutral","sentiment_score":0.1452255116121189}],"sentiment":"neutral","sentiment_score":0.1592634789871447,"channel":0,"num_words":66,"start":83.695,"end":114.99},{"sentences":[{"text":"So that means that any advice that we provide to you needs to be in your best interests and suit your circumstances.","start":114.99,"end":122.21,"sentiment":"neutral","sentiment_score":0.12823764099316162}],"sentiment":"neutral","sentiment_score":0.12823764099316162,"channel":0,"num_words":22,"start":114.99,"end":122.21},{"sentences":[{"text":"Yeah.","start":124.08,"end":124.4,"sentiment":"neutral","sentiment_score":0.2861774265766144},{"text":"Perfect.","start":124.4,"end":124.9,"sentiment":"positive","sentiment_score":0.403919517993927}],"sentiment":"positive","sentiment_score":0.3450484722852707,"channel":1,"num_words":2,"start":124.08,"end":124.9},{"sentences":[{"text":"Within that, this statement of advice has several goals.","start":125.47,"end":129.015,"sentiment":"neutral","sentiment_score":0.20075920224189758},{"text":"The ones that we're addressing in this advice document is reviewing your superannuation and investing in ethical and green options with a minimum of 80% allocated, possibly 100%.","start":129.075,"end":144.86,"sentiment":"neutral","sentiment_score":0.22935930533068521},{"text":"You have also said that you're comfortable with your levels of life and TPD insurance.","start":146.6,"end":152.3,"sentiment":"neutral","sentiment_score":0.18913978710770607},{"text":"You don't wanna look at trauma insurance, but in our review, I did highlight that you had no income protection and being self employed, if anything was to happen to you due to injury or illness, that could come into play.","start":153.08,"end":167.695,"sentiment":"neutral","sentiment_score":-0.25971066170349355},{"text":"And you said, have a look at that.","start":167.695,"end":169.71501,"sentiment":"neutral","sentiment_score":-0.0571153094060719}],"sentiment":"neutral","sentiment_score":-0.00038682603009856573,"channel":0,"num_words":101,"start":125.47,"end":169.71501},{"sentences":[{"text":"Yep.","start":170.75,"end":171.25,"sentiment":"neutral","sentiment_score":0.0765332505106926}],"sentiment":"neutral","sentiment_score":0.0765332505106926,"channel":1,"num_words":1,"start":170.75,"end":171.25},{"sentences":[{"text":"And, also, a general recommendation that we make for all clients that don't have them is to arrange a will and power of attorney.","start":170.97,"end":179.95,"sentiment":"neutral","sentiment_score":0.07078250163855652},{"text":"So that's","start":180.81,"end":181.20999,"sentiment":"neutral","sentiment_score":0.02728032786399126}],"sentiment":"neutral","sentiment_score":0.06743618057897457,"channel":0,"num_words":26,"start":170.97,"end":181.20999},{"sentences":[{"text":"Yeah.","start":181.115,"end":181.615,"sentiment":"neutral","sentiment_score":0.05629739537835121}],"sentiment":"neutral","sentiment_score":0.05629739537835121,"channel":1,"num_words":1,"start":181.115,"end":181.615},{"sentences":[{"text":"what we're covering in this document.","start":181.20999,"end":182.75,"sentiment":"neutral","sentiment_score":0.05483162465194861},{"text":"The goals that we're not we're not covering at this time is retirement goals simply because it's a significant period of time away.","start":183.455,"end":190.89499,"sentiment":"neutral","sentiment_score":-0.14184614983589752},{"text":"We don't need to address that as yet.","start":190.89499,"end":195.075,"sentiment":"neutral","sentiment_score":-0.09855426009744406},{"text":"And your savings of 150 a week continues to go to your opposite account along with the raising and renovation of your home.","start":196.54001,"end":204.32,"sentiment":"neutral","sentiment_score":0.006826172380343727}],"sentiment":"neutral","sentiment_score":-0.05941506357242664,"channel":0,"num_words":60,"start":181.20999,"end":204.32},{"sentences":[{"text":"Yes.","start":204.99,"end":205.49,"sentiment":"neutral","sentiment_score":0.0476972833275795}],"sentiment":"neutral","sentiment_score":0.0476972833275795,"channel":1,"num_words":1,"start":204.99,"end":205.49},{"sentences":[{"text":"Throughout the document, the advice is provided based on the information you've provided us through recent review.","start":206.54001,"end":212.965,"sentiment":"neutral","sentiment_score":0.038860744084505475},{"text":"I'm also not a legal practitioner, so I can't do wills or attorneys.","start":213.905,"end":218.965,"sentiment":"neutral","sentiment_score":-0.17224780298196352},{"text":"They do need to be done by a wills or powers of attorney.","start":219.58499,"end":222.785,"sentiment":"neutral","sentiment_score":-0.07678237987252381},{"text":"They do need to be done by a solicitor.","start":222.785,"end":224.405,"sentiment":"neutral","sentiment_score":-0.06851925204197566},{"text":"So any questions so far?","start":226.18999,"end":227.56999,"sentiment":"neutral","sentiment_score":-0.01821063980460167}],"sentiment":"neutral","sentiment_score":-0.05762256482583389,"channel":0,"num_words":57,"start":206.54001,"end":227.56999},{"sentences":[{"text":"No.","start":228.52,"end":228.92,"sentiment":"neutral","sentiment_score":-0.13287580013275146},{"text":"That all makes","start":228.92,"end":229.64,"sentiment":"neutral","sentiment_score":-0.09050056835015614}],"sentiment":"neutral","sentiment_score":-0.10109437629580498,"channel":1,"num_words":4,"start":228.52,"end":229.64},{"sentences":[{"text":"No?","start":229.47,"end":229.97,"sentiment":"neutral","sentiment_score":-0.12120895087718964}],"sentiment":"neutral","sentiment_score":-0.12120895087718964,"channel":0,"num_words":1,"start":229.47,"end":229.97},{"sentences":[{"text":"sense.","start":229.64,"end":230.14,"sentiment":"neutral","sentiment_score":-0.04474274441599846}],"sentiment":"neutral","sentiment_score":-0.04474274441599846,"channel":1,"num_words":1,"start":229.64,"end":230.14},{"sentences":[{"text":"Wonderful.","start":230.90999,"end":231.40999,"sentiment":"positive","sentiment_score":0.5303046107292175},{"text":"Thank you.","start":231.47,"end":232.20999,"sentiment":"positive","sentiment_score":0.5394976735115051},{"text":"The next section in the document when you do navigate through it is the about you section.","start":233.23,"end":237.79,"sentiment":"neutral","sentiment_score":0.09615111000397626},{"text":"So this is the information that I confirmed in the annual review with you.","start":237.79,"end":242.155,"sentiment":"neutral","sentiment_score":0.114881678085242},{"text":"So income, employment, lifestyle, and assets, liabilities, superannuation, and current insurances.","start":242.155,"end":250.655,"sentiment":"neutral","sentiment_score":0.049549958583983506}],"sentiment":"neutral","sentiment_score":0.11993915256526735,"channel":0,"num_words":45,"start":230.90999,"end":250.655},{"sentences":[{"text":"In our review, we talked about your risk profile, and that's the allocation of growth assets to defensive assets, you may recall.","start":252.67,"end":261.65,"sentiment":"neutral","sentiment_score":0.06134844503619454},{"text":"And we you agreed that you would like to stay as a high growth investor, which means typically, we'd see 90% of your assets allocated to gross being shares, listed property, and 10% of defensive assets such as cash and fixed interest, for example.","start":261.95,"end":281.19,"sentiment":"neutral","sentiment_score":0.14357408229261637}],"sentiment":"neutral","sentiment_score":0.11616553654047576,"channel":0,"num_words":66,"start":252.67,"end":281.19},{"sentences":[{"text":"Okay.","start":281.93,"end":282.33,"sentiment":"neutral","sentiment_score":0.06519161909818649},{"text":"Yep.","start":282.33,"end":282.83,"sentiment":"neutral","sentiment_score":0.050302207469940186}],"sentiment":"neutral","sentiment_score":0.05774691328406334,"channel":1,"num_words":2,"start":281.93,"end":282.83},{"sentences":[{"text":"Yep.","start":283.57,"end":284.07,"sentiment":"neutral","sentiment_score":0.04526452347636223},{"text":"The next part is the actual strategy.","start":284.53,"end":286.87,"sentiment":"neutral","sentiment_score":0.025855380509580885},{"text":"So I there's probably two elements to the strategy and the advice I've provided.","start":287.33,"end":293.66998,"sentiment":"neutral","sentiment_score":0.05847734452358314},{"text":"I looked at your goal of ethical and green type of investments.","start":294.21,"end":303.005,"sentiment":"neutral","sentiment_score":0.1485970380405585},{"text":"There's a portfolio that is not.","start":303.86502,"end":308.52502,"sentiment":"neutral","sentiment_score":-0.1713790719707807}],"sentiment":"neutral","sentiment_score":0.044995625875890254,"channel":0,"num_words":40,"start":283.57,"end":308.52502},{"sentences":[{"text":"The reason I did that is your superannuation goal is to obvious obviously for growth, but also the green I took in the ethical option.","start":310.05,"end":320.93,"sentiment":"neutral","sentiment_score":0.055219018757343294},{"text":"So I took into account both goals, which are clearly different.","start":320.93,"end":324.31,"sentiment":"neutral","sentiment_score":0.019182050769979305},{"text":"I've considered two options.","start":324.615,"end":326.555,"sentiment":"neutral","sentiment_score":0.010368768591433764},{"text":"My recommendation is actually to not go with an ethical portfolio, and the reason for that is you are, in the long term, going to lose out on growth opportunities, which could impact your retirement goals.","start":327.255,"end":345.28998,"sentiment":"negative","sentiment_score":-0.4012950642241372},{"text":"However, I've still included that ethical portfolio in there for you to consider as well.","start":346.06998,"end":350.87,"sentiment":"neutral","sentiment_score":0.2896474912762642}],"sentiment":"neutral","sentiment_score":-0.09306545979292183,"channel":0,"num_words":91,"start":310.05,"end":350.87},{"sentences":[{"text":"So it is entirely up to you.","start":350.87,"end":352.97,"sentiment":"neutral","sentiment_score":0.2886726941381182},{"text":"My my recommendation is to put you in a better financial position, but I've also taken into account your desire to go for a ethical green portfolio and included that as well.","start":354.225,"end":367.525,"sentiment":"positive","sentiment_score":0.422771155834198},{"text":"So any questions about that","start":368.13,"end":371.19,"sentiment":"neutral","sentiment_score":0.005001325160264969}],"sentiment":"positive","sentiment_score":0.3539634652605111,"channel":0,"num_words":44,"start":350.87,"end":371.19},{"sentences":[{"text":"No.","start":372.15,"end":372.39,"sentiment":"neutral","sentiment_score":-0.11223777383565904},{"text":"Not","start":372.39,"end":372.71,"sentiment":"neutral","sentiment_score":-0.1667093187570572}],"sentiment":"neutral","sentiment_score":-0.1394735462963581,"channel":1,"num_words":2,"start":372.15,"end":372.71},{"sentences":[{"text":"before","start":372.44998,"end":372.85,"sentiment":"neutral","sentiment_score":-0.13079237937927246}],"sentiment":"neutral","sentiment_score":-0.13079237937927246,"channel":0,"num_words":1,"start":372.44998,"end":372.85},{"sentences":[{"text":"interested.","start":372.71,"end":373.21,"sentiment":"neutral","sentiment_score":-0.1302829384803772}],"sentiment":"neutral","sentiment_score":-0.1302829384803772,"channel":1,"num_words":1,"start":372.71,"end":373.21},{"sentences":[{"text":"I dig a bit deeper?","start":372.85,"end":374.47,"sentiment":"neutral","sentiment_score":-0.04030813202261925},{"text":"So what I've so, basically, what I've done is I've compared the investment portfolio that I'm recommending, which is an OVLA high growth portfolio, versus the ethical portfolio that we've put together.","start":375.25,"end":390.765,"sentiment":"neutral","sentiment_score":0.013551878320868127},{"text":"To go the ethical portfolio, excuse me, you will realize higher capital gains tax.","start":392.105,"end":399.37,"sentiment":"neutral","sentiment_score":-0.07136106224996704},{"text":"So that means we sell down the assets in your current portfolio, and the superannuation fund will incur a capital gains, which they'll pay.","start":399.37,"end":407.745,"sentiment":"neutral","sentiment_score":-0.08544868347235024},{"text":"That's about $1,300 rounded up versus by changing to the OVLA high growth strategy around $203 capital gains.","start":407.905,"end":420.805,"sentiment":"neutral","sentiment_score":-0.008231067253897587}],"sentiment":"neutral","sentiment_score":-0.031891000422058245,"channel":0,"num_words":93,"start":372.85,"end":420.805},{"sentences":[{"text":"The the portfolio as well that I've recommended over the ethical is approximately $50 cheaper a year, which isn't much near here nor here nor there.","start":422.625,"end":437.975,"sentiment":"neutral","sentiment_score":0.044396092398808554},{"text":"It's just a consideration for you to consider.","start":438.915,"end":442.615,"sentiment":"neutral","sentiment_score":0.0021795309148728848},{"text":"So what I have done is in within the statement of advice, it does recommend that the portfolio that is not the ethical option.","start":442.835,"end":453.13,"sentiment":"neutral","sentiment_score":-0.10830773273482919},{"text":"But in the appendix, which is the second document that you'll have access to, that includes all the information for the ethical portfolio.","start":453.59,"end":463.53,"sentiment":"neutral","sentiment_score":0.024981285161946132}],"sentiment":"neutral","sentiment_score":-0.010531868854606594,"channel":0,"num_words":81,"start":422.625,"end":463.53},{"sentences":[{"text":"Okay.","start":464.705,"end":465.205,"sentiment":"neutral","sentiment_score":-0.015179801732301712}],"sentiment":"neutral","sentiment_score":-0.015179801732301712,"channel":1,"num_words":1,"start":464.705,"end":465.205},{"sentences":[{"text":"So the advantages and disadvantages are gonna be very similar to both.","start":465.54498,"end":469.645,"sentiment":"neutral","sentiment_score":-0.11733828919629256},{"text":"When we the disadvantages are obviously, with the one that I've recommended, it's not gonna align with your ethical goals and objectives.","start":470.985,"end":479.32498,"sentiment":"negative","sentiment_score":-0.3506971015171571},{"text":"Both of them are gonna incur some brokerage costs when we do transact on the account to replace underperforming assets or go the ethical pathway.","start":480.92,"end":491.90002,"sentiment":"neutral","sentiment_score":-0.32353372633457184},{"text":"And there is gonna be capital gains regardless of what what decisions made.","start":494.245,"end":499.625,"sentiment":"neutral","sentiment_score":0.019940902407352742},{"text":"It it will just vary to those figures that I mentioned 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projected balance for your difference is about 37,500.","start":523.98505,"end":533.34503,"sentiment":"neutral","sentiment_score":0.17883369202415147},{"text":"And in ten years' time, it's about a 101,000.","start":533.34503,"end":536.89,"sentiment":"neutral","sentiment_score":0.11541338596079084},{"text":"So the projections for that in the difference compared to right now by","start":536.89,"end":541.93,"sentiment":"neutral","sentiment_score":0.08888700890999574}],"sentiment":"neutral","sentiment_score":0.20131450958216368,"channel":0,"num_words":67,"start":505.925,"end":541.93},{"sentences":[{"text":"Okay.","start":541.64996,"end":542.14996,"sentiment":"neutral","sentiment_score":0.06939016282558441}],"sentiment":"neutral","sentiment_score":0.06939016282558441,"channel":1,"num_words":1,"start":541.64996,"end":542.14996},{"sentences":[{"text":"changing your investment options and, obviously, continuing with the regular reviews because that's the important part as well.","start":541.93,"end":549.55,"sentiment":"neutral","sentiment_score":0.10445177762044801}],"sentiment":"neutral","sentiment_score":0.10445177762044801,"channel":0,"num_words":18,"start":541.93,"end":549.55},{"sentences":[{"text":"Yep.","start":550.27496,"end":550.77496,"sentiment":"neutral","sentiment_score":0.19121477007865903}],"sentiment":"neutral","sentiment_score":0.19121477007865903,"channel":1,"num_words":1,"start":550.27496,"end":550.77496},{"sentences":[{"text":"It will also show on page 20 the breakdown of the investment options that I've recommended.","start":550.655,"end":557.47504,"sentiment":"neutral","sentiment_score":0.15007341257296503},{"text":"There is somewhat similar to what you're currently invested in, just a little bit more exposure to different economies like Europe, increasing your exposure to Europe, removing your exposure to Asia at this point in time, and excuse me.","start":558.015,"end":578.27,"sentiment":"neutral","sentiment_score":0.002449208154128148},{"text":"And just diversifying that portfolio a little bit further.","start":579.69,"end":584.125,"sentiment":"neutral","sentiment_score":0.09494983736011717},{"text":"The portfolio I've recommended is in line with your risk profile, so you end up about 93% in growth assets, 7% in defensive assets, which is at ninety ten variance given your age and 20 I think it was twenty eight years to retirement.","start":586.665,"end":606.81006,"sentiment":"neutral","sentiment_score":0.07833319648422978},{"text":"Sorry.","start":606.81006,"end":607.29004,"sentiment":"neutral","sentiment_score":-0.14162686467170715}],"sentiment":"neutral","sentiment_score":0.06106675262434767,"channel":0,"num_words":109,"start":550.655,"end":607.29004},{"sentences":[{"text":"I thought it skipped my mind.","start":607.29004,"end":608.75,"sentiment":"neutral","sentiment_score":-0.24193849166234335},{"text":"You you have the time to be able to withstand those variations.","start":610.095,"end":615.15497,"sentiment":"neutral","sentiment_score":-0.20154268791278204},{"text":"Does that make sense?","start":615.295,"end":616.355,"sentiment":"neutral","sentiment_score":0.031896176747977734}],"sentiment":"neutral","sentiment_score":-0.17011629536070608,"channel":0,"num_words":22,"start":607.29004,"end":616.355},{"sentences":[{"text":"Yes.","start":616.865,"end":617.185,"sentiment":"neutral","sentiment_score":0.1635356992483139},{"text":"It does.","start":617.185,"end":617.925,"sentiment":"neutral","sentiment_score":0.19137819111347198}],"sentiment":"neutral","sentiment_score":0.18209736049175262,"channel":1,"num_words":3,"start":616.865,"end":617.925},{"sentences":[{"text":"Yep.","start":618.255,"end":618.755,"sentiment":"neutral","sentiment_score":0.1722007393836975},{"text":"What I'm gonna do is I'm gonna jump to the appendix just to talk through the difference in the ethical investment.","start":618.975,"end":626.1,"sentiment":"neutral","sentiment_score":0.10779300722337905},{"text":"So with the so that's the portfolio I have recommended based on financial outcomes.","start":627.36,"end":634.26,"sentiment":"neutral","sentiment_score":0.0822011660784483},{"text":"Now the","start":634.64,"end":635.12,"sentiment":"neutral","sentiment_score":0.08977138623595238}],"sentiment":"neutral","sentiment_score":0.09911086812223259,"channel":0,"num_words":38,"start":618.255,"end":635.12},{"sentences":[{"text":"Okay.","start":635.10004,"end":635.60004,"sentiment":"neutral","sentiment_score":0.14101707935333252}],"sentiment":"neutral","sentiment_score":0.14101707935333252,"channel":1,"num_words":1,"start":635.10004,"end":635.60004},{"sentences":[{"text":"ethical investment analysis is in the appendix and contains the same information.","start":635.12,"end":639.935,"sentiment":"neutral","sentiment_score":0.12143977421025436},{"text":"So you will have a fee saving of approximately $335 per year.","start":639.995,"end":645.935,"sentiment":"neutral","sentiment_score":0.2807735241949558},{"text":"Your projected lump sum your projected balance in five years' time is about an additional $13,500, and in ten years' time, it's about $36,000.","start":647.515,"end":658.73,"sentiment":"neutral","sentiment_score":0.16435412348558506},{"text":"So that's one of the main reasons I've recommended the other portfolio because financially, it's gonna help you have access to more growth options over the longer term.","start":659.19,"end":673.745,"sentiment":"positive","sentiment_score":0.4195909643811839},{"text":"Again, it comes down to your decision, and I didn't make that recommendation lightly to knowing that your goal was specifically for invest for ethical investment 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okay.","start":692.845,"end":693.745,"sentiment":"positive","sentiment_score":0.572857141494751},{"text":"And, again, that ethical portfolio is gonna see you invested in line with your high growth portfolio.","start":694.685,"end":700.545,"sentiment":"positive","sentiment_score":0.5032457621658549},{"text":"You'll have about 89% in gross assets and about 11% in defensive assets.","start":701.005,"end":706.70496,"sentiment":"positive","sentiment_score":0.33628167097385114},{"text":"So they're","start":708.16,"end":708.64,"sentiment":"neutral","sentiment_score":0.214607872068882}],"sentiment":"positive","sentiment_score":0.4265226384296137,"channel":0,"num_words":34,"start":692.845,"end":708.64},{"sentences":[{"text":"Okay.","start":708.35,"end":708.85,"sentiment":"neutral","sentiment_score":0.1722908467054367}],"sentiment":"neutral","sentiment_score":0.1722908467054367,"channel":1,"num_words":1,"start":708.35,"end":708.85},{"sentences":[{"text":"both in there just in different parts of the document.","start":708.64,"end":711.06,"sentiment":"neutral","sentiment_score":0.12140467688441277},{"text":"The next recommendation is to apply for income protection.","start":712.72,"end":715.86,"sentiment":"neutral","sentiment_score":0.05252668054567443},{"text":"So this is, as I mentioned in our review, to cover you if you're unable to work due to sickness or injury.","start":716.95996,"end":726.47504,"sentiment":"neutral","sentiment_score":0.016328144818544388},{"text":"What that means is I've recommended a monthly benefit of $4,083, and that's 70% of your income that you confirmed to me, your taxable income in our review.","start":727.015,"end":737.91504,"sentiment":"neutral","sentiment_score":0.11913905891456775},{"text":"Your waiting period is thirty days, so that means you have to be unable to work for thirty days, and then your benefit will kick 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the severity of it.","start":777.55,"end":779.32996,"sentiment":"neutral","sentiment_score":-0.07711626713474591}],"sentiment":"neutral","sentiment_score":-0.07711626713474591,"channel":0,"num_words":6,"start":777.55,"end":779.32996},{"sentences":[{"text":"Yep.","start":779.97504,"end":780.47504,"sentiment":"neutral","sentiment_score":0.035068318247795105}],"sentiment":"neutral","sentiment_score":0.035068318247795105,"channel":1,"num_words":1,"start":779.97504,"end":780.47504},{"sentences":[{"text":"So the cost of that is I've recommended to be funded from your superannuation fund so it doesn't impact your personal cash flow.","start":780.555,"end":789.615,"sentiment":"neutral","sentiment_score":0.03775301672842191},{"text":"Your superannuation fund will count claim it as a tax 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change.","start":1193.97,"end":1201.75,"sentiment":"neutral","sentiment_score":0.060831970094065914},{"text":"Or page 21, actually, I think it is.","start":1204.415,"end":1206.435,"sentiment":"neutral","sentiment_score":0.050243557430803776},{"text":"It should be a heading called investments for the table.","start":1208.4951,"end":1211.395,"sentiment":"neutral","sentiment_score":0.08032877370715141}],"sentiment":"neutral","sentiment_score":0.06369275276206042,"channel":0,"num_words":38,"start":1193.5701,"end":1211.395},{"sentences":[{"text":"Okay.","start":1217.195,"end":1217.4349,"sentiment":"neutral","sentiment_score":0.12843163311481476},{"text":"Bear with me for two seconds.","start":1217.4349,"end":1218.975,"sentiment":"neutral","sentiment_score":0.09892034468551476}],"sentiment":"neutral","sentiment_score":0.10313624303255763,"channel":1,"num_words":7,"start":1217.195,"end":1218.975},{"sentences":[{"text":"You're absolutely fine.","start":1219.82,"end":1220.94,"sentiment":"positive","sentiment_score":0.34189146757125854},{"text":"Take your time.","start":1220.94,"end":1221.84,"sentiment":"neutral","sentiment_score":0.3305330177148183}],"sentiment":"positive","sentiment_score":0.33621224264303845,"channel":0,"num_words":6,"start":1219.82,"end":1221.84},{"sentences":[{"text":"So I've got an email from you this morning.","start":1235.925,"end":1238.5651,"sentiment":"neutral","sentiment_score":0.09078310761186811},{"text":"Is that the one I'm looking at?","start":1238.5651,"end":1240.3451,"sentiment":"neutral","sentiment_score":0.04726020672491619}],"sentiment":"neutral","sentiment_score":0.07174183847382665,"channel":1,"num_words":16,"start":1235.925,"end":1240.3451},{"sentences":[{"text":"That you yes.","start":1239.875,"end":1241.155,"sentiment":"neutral","sentiment_score":0.08952091634273529},{"text":"Yeah.","start":1241.155,"end":1241.475,"sentiment":"neutral","sentiment_score":0.07306408137083054},{"text":"So it'll be","start":1241.475,"end":1242.115,"sentiment":"neutral","sentiment_score":0.06824448332190514}],"sentiment":"neutral","sentiment_score":0.07805146862353597,"channel":0,"num_words":7,"start":1239.875,"end":1242.115},{"sentences":[{"text":"Okay.","start":1242.0851,"end":1242.5851,"sentiment":"neutral","sentiment_score":0.0578882098197937}],"sentiment":"neutral","sentiment_score":0.0578882098197937,"channel":1,"num_words":1,"start":1242.0851,"end":1242.5851},{"sentences":[{"text":"the same process as the review documents.","start":1242.115,"end":1244.0349,"sentiment":"neutral","sentiment_score":0.0591247667159353},{"text":"So you you click the option that says sign here or","start":1244.0349,"end":1246.92,"sentiment":"neutral","sentiment_score":0.030224028128114613}],"sentiment":"neutral","sentiment_score":0.04146320424560043,"channel":0,"num_words":18,"start":1242.115,"end":1246.92},{"sentences":[{"text":"Yep.","start":1247.125,"end":1247.625,"sentiment":"neutral","sentiment_score":0.02010743692517281}],"sentiment":"neutral","sentiment_score":0.02010743692517281,"channel":1,"num_words":1,"start":1247.125,"end":1247.625},{"sentences":[{"text":"click here to sign.","start":1247.4801,"end":1248.7001,"sentiment":"neutral","sentiment_score":0.01522037386894226},{"text":"You're not signing anything there.","start":1248.92,"end":1250.2001,"sentiment":"neutral","sentiment_score":-0.08377373442053795},{"text":"We're just same as the review, just going over the documents.","start":1250.2001,"end":1252.78,"sentiment":"neutral","sentiment_score":0.008419760333543474}],"sentiment":"neutral","sentiment_score":-0.013268490647897124,"channel":0,"num_words":20,"start":1247.4801,"end":1252.78},{"sentences":[{"text":"Yep.","start":1253.18,"end":1253.68,"sentiment":"neutral","sentiment_score":0.07171881198883057}],"sentiment":"neutral","sentiment_score":0.07171881198883057,"channel":1,"num_words":1,"start":1253.18,"end":1253.68},{"sentences":[{"text":"So so the first document should be the statement of advice and that if you go to page twenty twenty one,","start":1255.4,"end":1263.975,"sentiment":"neutral","sentiment_score":0.05016941763460636}],"sentiment":"neutral","sentiment_score":0.05016941763460636,"channel":0,"num_words":21,"start":1255.4,"end":1263.975},{"sentences":[{"text":"I","start":1263.735,"end":1264.235,"sentiment":"neutral","sentiment_score":0.05755457282066345}],"sentiment":"neutral","sentiment_score":0.05755457282066345,"channel":1,"num_words":1,"start":1263.735,"end":1264.235},{"sentences":[{"text":"there should be an investments option table there.","start":1264.1951,"end":1266.935,"sentiment":"neutral","sentiment_score":0.04117923974990845}],"sentiment":"neutral","sentiment_score":0.04117923974990845,"channel":0,"num_words":8,"start":1264.1951,"end":1266.935},{"sentences":[{"text":"don't see that Charlie.","start":1273.655,"end":1275.915,"sentiment":"neutral","sentiment_score":-0.004099615849554539},{"text":"Services guide there.","start":1285.24,"end":1287.58,"sentiment":"neutral","sentiment_score":-0.006590701639652252},{"text":"I'm looking at now the","start":1287.88,"end":1289.5,"sentiment":"neutral","sentiment_score":0.004649843834340572}],"sentiment":"neutral","sentiment_score":-0.0010767790954560041,"channel":1,"num_words":12,"start":1273.655,"end":1289.5},{"sentences":[{"text":"It should be the first document.","start":1290.475,"end":1292.1749,"sentiment":"neutral","sentiment_score":0.02550214823956291},{"text":"So if you navigate back to the first document, you you have to scroll because it is a rather large document.","start":1292.235,"end":1301.615,"sentiment":"neutral","sentiment_score":0.007631801689664523}],"sentiment":"neutral","sentiment_score":0.011602989811864164,"channel":0,"num_words":27,"start":1290.475,"end":1301.615},{"sentences":[{"text":"The first document that's showing up for me is summary of superannuation and insurance as of the September 10.","start":1302.9401,"end":1310.48,"sentiment":"neutral","sentiment_score":0.017688710242509842}],"sentiment":"neutral","sentiment_score":0.017688710242509842,"channel":1,"num_words":19,"start":1302.9401,"end":1310.48},{"sentences":[{"text":"Okay.","start":1311.8301,"end":1312.31,"sentiment":"neutral","sentiment_score":-0.024739986285567284},{"text":"They've hang on a second.","start":1312.31,"end":1313.93,"sentiment":"neutral","sentiment_score":-0.08808101192116738},{"text":"It looks like the wrong one's been sent to you.","start":1314.675,"end":1317.155,"sentiment":"neutral","sentiment_score":-0.1732460990548134},{"text":"Give me one second.","start":1317.155,"end":1318.135,"sentiment":"neutral","sentiment_score":-0.07014386635273695}],"sentiment":"neutral","sentiment_score":-0.12390907509252429,"channel":0,"num_words":20,"start":1311.8301,"end":1318.135},{"sentences":[{"text":"Okay.","start":1318.695,"end":1319.195,"sentiment":"neutral","sentiment_score":-0.06141082942485809}],"sentiment":"neutral","sentiment_score":-0.06141082942485809,"channel":1,"num_words":1,"start":1318.695,"end":1319.195},{"sentences":[{"text":"Sorry about that, James.","start":1322.3551,"end":1323.7351,"sentiment":"neutral","sentiment_score":-0.17956464365124702},{"text":"I'm just gonna jump in.","start":1324.515,"end":1326.6951,"sentiment":"neutral","sentiment_score":-0.12221994102001191},{"text":"Alright.","start":1339.2201,"end":1339.62,"sentiment":"neutral","sentiment_score":-0.018760450184345245},{"text":"Let me try this again.","start":1339.62,"end":1341.16,"sentiment":"neutral","sentiment_score":-0.035709187388420105},{"text":"Request.","start":1343.54,"end":1344.04,"sentiment":"neutral","sentiment_score":-0.013709187507629396}],"sentiment":"neutral","sentiment_score":-0.09627336589619517,"channel":0,"num_words":16,"start":1322.3551,"end":1344.04},{"sentences":[{"text":"Alright.","start":1368.8099,"end":1369.3099,"sentiment":"neutral","sentiment_score":0.008100448176264763},{"text":"I'm hitting send on it again.","start":1369.37,"end":1372.03,"sentiment":"neutral","sentiment_score":-0.0047864119211832685}],"sentiment":"neutral","sentiment_score":-0.002945431907262121,"channel":0,"num_words":7,"start":1368.8099,"end":1372.03},{"sentences":[{"text":"Okay.","start":1373.325,"end":1373.825,"sentiment":"neutral","sentiment_score":0.011637463234364986}],"sentiment":"neutral","sentiment_score":0.011637463234364986,"channel":1,"num_words":1,"start":1373.325,"end":1373.825},{"sentences":[{"text":"Let me know when you received that one through.","start":1375.2151,"end":1377.9551,"sentiment":"neutral","sentiment_score":-0.0016367453046970896}],"sentiment":"neutral","sentiment_score":-0.0016367453046970896,"channel":0,"num_words":9,"start":1375.2151,"end":1377.9551},{"sentences":[{"text":"Just about the car.","start":1381.965,"end":1382.9249,"sentiment":"neutral","sentiment_score":-0.04870667401701212},{"text":"Is it too windy?","start":1382.9249,"end":1384.0449,"sentiment":"neutral","sentiment_score":-0.13363736122846603},{"text":"Can you still hear me?","start":1384.0449,"end":1385.265,"sentiment":"neutral","sentiment_score":-0.07392604798078536}],"sentiment":"neutral","sentiment_score":-0.08453895237583381,"channel":1,"num_words":13,"start":1381.965,"end":1385.265},{"sentences":[{"text":"No.","start":1385.055,"end":1385.555,"sentiment":"neutral","sentiment_score":-0.12872439622879028},{"text":"I can hear you.","start":1385.775,"end":1386.415,"sentiment":"neutral","sentiment_score":-0.09955387935042381},{"text":"That's fine.","start":1386.415,"end":1387.2351,"sentiment":"neutral","sentiment_score":0.027911250479519367}],"sentiment":"neutral","sentiment_score":-0.0673024875244924,"channel":0,"num_words":7,"start":1385.055,"end":1387.2351},{"sentences":[{"text":"Okay.","start":1387.53,"end":1387.93,"sentiment":"neutral","sentiment_score":0.16930624842643738},{"text":"Excellent.","start":1387.93,"end":1388.43,"sentiment":"positive","sentiment_score":0.35236498713493347},{"text":"Yep.","start":1388.73,"end":1388.8367,"sentiment":"neutral","sentiment_score":0.1830296516418457},{"text":"I've got it to say.","start":1388.8367,"end":1392.11,"sentiment":"neutral","sentiment_score":0.18975428640842437}],"sentiment":"neutral","sentiment_score":0.2066840399056673,"channel":1,"num_words":8,"start":1387.53,"end":1392.11},{"sentences":[{"text":"Beautiful.","start":1392.13,"end":1392.63,"sentiment":"positive","sentiment_score":0.3780100345611572},{"text":"So page 20 or 21 in that document.","start":1393.49,"end":1396.71,"sentiment":"neutral","sentiment_score":0.0906149223446846}],"sentiment":"neutral","sentiment_score":0.12254771259095934,"channel":0,"num_words":9,"start":1392.13,"end":1396.71},{"sentences":[{"text":"Yep.","start":1402.085,"end":1402.405,"sentiment":"neutral","sentiment_score":0.04623355716466904},{"text":"Okay.","start":1402.405,"end":1402.725,"sentiment":"neutral","sentiment_score":0.0008352501317858696},{"text":"It's got investment there.","start":1402.725,"end":1404.105,"sentiment":"neutral","sentiment_score":-0.04188723070546985}],"sentiment":"neutral","sentiment_score":-0.020080019254237413,"channel":1,"num_words":6,"start":1402.085,"end":1404.105},{"sentences":[{"text":"Yep.","start":1404.5249,"end":1404.845,"sentiment":"neutral","sentiment_score":0.06718499213457108},{"text":"Yep.","start":1404.845,"end":1405.0049,"sentiment":"neutral","sentiment_score":0.04483005404472351},{"text":"So we're gonna be removing completely out of that Benelong Australian Equities Fund that we discussed.","start":1405.0049,"end":1409.4049,"sentiment":"neutral","sentiment_score":-0.25641226302832365},{"text":"So that was the underperforming one.","start":1409.4049,"end":1411.2649,"sentiment":"negative","sentiment_score":-0.4524809718132019}],"sentiment":"neutral","sentiment_score":-0.27939445804804564,"channel":0,"num_words":24,"start":1404.5249,"end":1411.2649},{"sentences":[{"text":"Yep.","start":1411.9249,"end":1412.4249,"sentiment":"neutral","sentiment_score":-0.012068979442119598}],"sentiment":"neutral","sentiment_score":-0.012068979442119598,"channel":1,"num_words":1,"start":1411.9249,"end":1412.4249},{"sentences":[{"text":"We are also gonna move out of the battery tech and lithium as well as the global agriculture.","start":1412.125,"end":1419.11,"sentiment":"neutral","sentiment_score":0.0244298308259911},{"text":"And the purpose of that was I took into account the ethical approach you wanted to take and tried to look at a portfolio that will still provide provide growth but be as friendly as possible if that makes sense.","start":1421.49,"end":1444.16,"sentiment":"neutral","sentiment_score":0.11970092095434666}],"sentiment":"neutral","sentiment_score":0.09013403091451218,"channel":0,"num_words":58,"start":1412.125,"end":1444.16},{"sentences":[{"text":"Yeah.","start":1444.7999,"end":1445.12,"sentiment":"neutral","sentiment_score":0.1041102334856987},{"text":"Yeah.","start":1445.12,"end":1445.44,"sentiment":"neutral","sentiment_score":0.144028902053833},{"text":"Sure does.","start":1445.44,"end":1446.1799,"sentiment":"neutral","sentiment_score":0.1945681795477867}],"sentiment":"neutral","sentiment_score":0.15931887365877628,"channel":1,"num_words":4,"start":1444.7999,"end":1446.1799},{"sentences":[{"text":"So yeah.","start":1446.4601,"end":1447.2001,"sentiment":"neutral","sentiment_score":0.16676753759384155},{"text":"So we're still remaining the site keeping the cybersecurity asset, the BetaShares cybersecurity.","start":1447.42,"end":1452.9601,"sentiment":"neutral","sentiment_score":0.17074768187908027},{"text":"It's performing well.","start":1453.26,"end":1454.72,"sentiment":"positive","sentiment_score":0.420322448015213},{"text":"We're you'll see we're taking a little bit out of that asset to just rebalance back to your high growth.","start":1455.345,"end":1461.6849,"sentiment":"neutral","sentiment_score":0.062410623766481876},{"text":"We're removing ourselves completely from the iShares Asia,","start":1462.385,"end":1466.725,"sentiment":"neutral","sentiment_score":-0.16583579406142235}],"sentiment":"neutral","sentiment_score":0.08121192188042661,"channel":0,"num_words":46,"start":1446.4601,"end":1466.725},{"sentences":[{"text":"Okay.","start":1467.7351,"end":1468.2351,"sentiment":"neutral","sentiment_score":0.004894763231277466}],"sentiment":"neutral","sentiment_score":0.004894763231277466,"channel":1,"num_words":1,"start":1467.7351,"end":1468.2351},{"sentences":[{"text":"and we are increasing the assets to iShares Europe.","start":1468.12,"end":1472.14,"sentiment":"neutral","sentiment_score":0.029291345841354795},{"text":"So increasing our exposure to the Europe market.","start":1472.76,"end":1475.34,"sentiment":"neutral","sentiment_score":0.05114438245072961},{"text":"We are also increasing our exposure a little bit to The US market","start":1476.84,"end":1480.815,"sentiment":"neutral","sentiment_score":0.002420352198756658}],"sentiment":"neutral","sentiment_score":0.023474725025395552,"channel":0,"num_words":30,"start":1468.12,"end":1480.815},{"sentences":[{"text":"Yep.","start":1480.7799,"end":1481.2799,"sentiment":"neutral","sentiment_score":0.02665853500366211}],"sentiment":"neutral","sentiment_score":0.02665853500366211,"channel":1,"num_words":1,"start":1480.7799,"end":1481.2799},{"sentences":[{"text":"with the iShares S and P 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into some physical gold, which provides a little bit of a defensive asset in the portfolio depending on how the market behaves.","start":1521.3201,"end":1534.3,"sentiment":"neutral","sentiment_score":0.10517551305775459},{"text":"Gold can be quite a good little defensive asset.","start":1535.275,"end":1537.775,"sentiment":"neutral","sentiment_score":0.2811224361260732},{"text":"And the iShares at the bottom core composite bonds, that's the recommended replacement for the bank hybrid investment option that I spoke to you about in the review that's gonna be phased out from January 2027.","start":1538.155,"end":1552.01,"sentiment":"neutral","sentiment_score":0.07662174850702286}],"sentiment":"neutral","sentiment_score":0.11300067902660706,"channel":0,"num_words":71,"start":1521.3201,"end":1552.01},{"sentences":[{"text":"Okay.","start":1552.755,"end":1553.255,"sentiment":"neutral","sentiment_score":0.05253666639328003}],"sentiment":"neutral","sentiment_score":0.05253666639328003,"channel":1,"num_words":1,"start":1552.755,"end":1553.255},{"sentences":[{"text":"So as I mentioned, the ethical portfolio is in the second document that's after this one.","start":1556.3099,"end":1563.745,"sentiment":"neutral","sentiment_score":0.02639653510414064},{"text":"If you did you want me to I'll talk through I've got well, I'll just open that up.","start":1567.405,"end":1572.465,"sentiment":"neutral","sentiment_score":0.017523509139815967},{"text":"So that document's called the appendix.","start":1573.725,"end":1578.2,"sentiment":"neutral","sentiment_score":0.03158110131820043},{"text":"So when you've got the appendix, if you keep scrolling, you should it should take you down to the appendix.","start":1578.2,"end":1586.1399,"sentiment":"neutral","sentiment_score":0.016573620634153484},{"text":"Oh, okay.","start":1594.0549,"end":1594.635,"sentiment":"neutral","sentiment_score":-0.020355544984340668}],"sentiment":"neutral","sentiment_score":0.01964541381946014,"channel":0,"num_words":62,"start":1556.3099,"end":1594.635},{"sentences":[{"text":"It shouldn't do that.","start":1594.775,"end":1595.735,"sentiment":"neutral","sentiment_score":-0.2166760452091694},{"text":"It should is there an arrow across the top that yep.","start":1595.735,"end":1603.0349,"sentiment":"neutral","sentiment_score":0.005037679929624905},{"text":"Perfect.","start":1603.095,"end":1603.595,"sentiment":"positive","sentiment_score":0.5116404294967651},{"text":"I'm just opening it up on my screen.","start":1604.2101,"end":1606.31,"sentiment":"neutral","sentiment_score":0.12970474548637867},{"text":"My computer is not playing friendly today.","start":1606.61,"end":1609.75,"sentiment":"negative","sentiment_score":-0.5920396958078656}],"sentiment":"neutral","sentiment_score":-0.10988029609284093,"channel":0,"num_words":31,"start":1594.775,"end":1609.75},{"sentences":[{"text":"So what this contains so the first part of it is just a it's a table that outlines your the different risk profiles.","start":1610.05,"end":1619.0249,"sentiment":"neutral","sentiment_score":0.04248923784040887},{"text":"So you're a high growth risk profile.","start":1619.0249,"end":1621.745,"sentiment":"neutral","sentiment_score":-0.03018352096634252},{"text":"So that's second in from the right, and you'll see the ninety ten split.","start":1621.745,"end":1625.585,"sentiment":"neutral","sentiment_score":0.07677459051566464},{"text":"So it just explains typically how we invest your funds across the different sectors in the market.","start":1625.585,"end":1630.645,"sentiment":"neutral","sentiment_score":0.10641649233944275},{"text":"The important information about this SOA that I do need to visit is that the contents of the SOA are act as accurate and as possible based on the information that you've provided with us, and that you do need to make a decision on the recommendations within this SOA within sixty days of the date of it.","start":1633.13,"end":1654.005,"sentiment":"neutral","sentiment_score":0.11158966536408868}],"sentiment":"neutral","sentiment_score":0.08505960547623515,"channel":0,"num_words":119,"start":1610.05,"end":1654.005},{"sentences":[{"text":"Because after that period of time, we'll need to redo it just based on the fact that client's financial and personal situations are likely to change in that time.","start":1654.385,"end":1663.1699,"sentiment":"neutral","sentiment_score":-0.17961490719482817},{"text":"So","start":1663.47,"end":1663.71,"sentiment":"neutral","sentiment_score":0.025030311197042465}],"sentiment":"neutral","sentiment_score":-0.17279339991509915,"channel":0,"num_words":30,"start":1654.385,"end":1663.71},{"sentences":[{"text":"Okay.","start":1663.655,"end":1664.155,"sentiment":"neutral","sentiment_score":0.04862640053033829}],"sentiment":"neutral","sentiment_score":0.04862640053033829,"channel":1,"num_words":1,"start":1663.655,"end":1664.155},{"sentences":[{"text":"there is a currency in relation to that.","start":1663.71,"end":1666.45,"sentiment":"neutral","sentiment_score":0.04674659832380712},{"text":"The there is also a page that has the link to all the investment options that I've recommended.","start":1668.6699,"end":1674.775,"sentiment":"neutral","sentiment_score":0.13846235598127046},{"text":"So you can click on those and read through the product disclosure statements there.","start":1675.635,"end":1680.055,"sentiment":"neutral","sentiment_score":0.11553443808640752},{"text":"And then following that is the ethical investment analysis.","start":1680.435,"end":1683.7351,"sentiment":"neutral","sentiment_score":0.09192343304554622},{"text":"So it will show you a fee table.","start":1683.9551,"end":1686.8551,"sentiment":"neutral","sentiment_score":0.10228430386632681}],"sentiment":"neutral","sentiment_score":0.1075326781719923,"channel":0,"num_words":57,"start":1663.71,"end":1686.8551},{"sentences":[{"text":"So current versus the recommended.","start":1689.2101,"end":1691.0701,"sentiment":"neutral","sentiment_score":0.02744281068444252},{"text":"So this is if you were to go with the ethical investment option, you will see that there's a fee saving in the right hand column.","start":1691.2101,"end":1699.6901,"sentiment":"neutral","sentiment_score":0.15445140491311365},{"text":"That figure that negative figure at the top is the capital gains tax that will be applied when we will will be realized when we sell down the portfolio and invest, and then the fees in that right hand column are the difference.","start":1699.6901,"end":1712.6951,"sentiment":"neutral","sentiment_score":0.008600502686445103},{"text":"So you're definitely gonna have a fee saving.","start":1712.6951,"end":1715.515,"sentiment":"positive","sentiment_score":0.4730256753973663},{"text":"Your insurance premiums are gonna increase because of the income protection, which is that negative figure there of $994, and","start":1717.1699,"end":1726.0499,"sentiment":"negative","sentiment_score":-0.5091781333088875}],"sentiment":"neutral","sentiment_score":-0.018397892807044236,"channel":0,"num_words":102,"start":1689.2101,"end":1726.0499},{"sentences":[{"text":"Yes.","start":1725.61,"end":1726.11,"sentiment":"neutral","sentiment_score":-0.035699136555194855}],"sentiment":"neutral","sentiment_score":-0.035699136555194855,"channel":1,"num_words":1,"start":1725.61,"end":1726.11},{"sentences":[{"text":"the overall fee savings 335.","start":1726.0499,"end":1729.51,"sentiment":"neutral","sentiment_score":0.0011569701135158538},{"text":"The table below that is the projected balance.","start":1729.855,"end":1732.4149,"sentiment":"neutral","sentiment_score":0.01822576206177473},{"text":"So the lump sum in five years, your current balance, if we remain invested as we currently are, is projected out to be a 122,000.","start":1732.4149,"end":1741.1549,"sentiment":"neutral","sentiment_score":0.03039011500775814},{"text":"In the ethical portfolio, it would be 135,000 and the same for ten years.","start":1742.76,"end":1748.8401,"sentiment":"neutral","sentiment_score":0.027521218306251934},{"text":"So that's how that is calculated.","start":1748.8401,"end":1751.5801,"sentiment":"neutral","sentiment_score":0.05645792248348395}],"sentiment":"neutral","sentiment_score":0.028196351955933816,"channel":0,"num_words":58,"start":1726.0499,"end":1751.5801},{"sentences":[{"text":"The green","start":1752.6001,"end":1753.3401,"sentiment":"neutral","sentiment_score":0.07885094173252583}],"sentiment":"neutral","sentiment_score":0.07885094173252583,"channel":0,"num_words":2,"start":1752.6001,"end":1753.3401},{"sentences":[{"text":"Yes.","start":1753.0299,"end":1753.5299,"sentiment":"neutral","sentiment_score":0.06700192391872406}],"sentiment":"neutral","sentiment_score":0.06700192391872406,"channel":1,"num_words":1,"start":1753.0299,"end":1753.5299},{"sentences":[{"text":"figure being the total difference.","start":1753.4801,"end":1755.64,"sentiment":"neutral","sentiment_score":0.057101871073246005},{"text":"So when you have the opportunity to go back through the SOA, you can look at the same table for the not ethical portfolio option and see the difference there.","start":1755.64,"end":1766.015,"sentiment":"neutral","sentiment_score":0.002775385851661365},{"text":"And then the next page just shows you the annualized investment returns.","start":1767.595,"end":1771.615,"sentiment":"neutral","sentiment_score":0.07196135818958282},{"text":"So what we've done here is your current portfolio, what you're currently in, the recommended portfolio, which is the one that I have actually recommended, and then the ethical portfolio.","start":1772.63,"end":1783.69,"sentiment":"neutral","sentiment_score":0.16586254710952442},{"text":"So it just shows you the returns, the historical returns over the long term, which","start":1783.75,"end":1787.5299,"sentiment":"neutral","sentiment_score":0.13534755011399588}],"sentiment":"neutral","sentiment_score":0.08954779232811669,"channel":0,"num_words":92,"start":1753.4801,"end":1787.5299},{"sentences":[{"text":"Yep.","start":1787.67,"end":1787.91,"sentiment":"neutral","sentiment_score":0.0796920657157898},{"text":"Okay.","start":1787.91,"end":1788.39,"sentiment":"neutral","sentiment_score":0.1334114670753479}],"sentiment":"neutral","sentiment_score":0.10655176639556885,"channel":1,"num_words":2,"start":1787.67,"end":1788.39},{"sentences":[{"text":"obviously are","start":1788.045,"end":1788.525,"sentiment":"neutral","sentiment_score":0.09512712806463242}],"sentiment":"neutral","sentiment_score":0.09512712806463242,"channel":0,"num_words":2,"start":1788.045,"end":1788.525},{"sentences":[{"text":"Yep.","start":1788.39,"end":1788.89,"sentiment":"neutral","sentiment_score":0.053038910031318665}],"sentiment":"neutral","sentiment_score":0.053038910031318665,"channel":1,"num_words":1,"start":1788.39,"end":1788.89},{"sentences":[{"text":"no indication for future performance, but we do look at it as a guide to the quality of the investment managers within","start":1788.525,"end":1798.685,"sentiment":"neutral","sentiment_score":0.04124977947636084}],"sentiment":"neutral","sentiment_score":0.04124977947636084,"channel":0,"num_words":22,"start":1788.525,"end":1798.685},{"sentences":[{"text":"Yeah.","start":1798.5249,"end":1799.005,"sentiment":"neutral","sentiment_score":0.07032553851604462}],"sentiment":"neutral","sentiment_score":0.07032553851604462,"channel":1,"num_words":1,"start":1798.5249,"end":1799.005},{"sentences":[{"text":"the portfolio","start":1798.685,"end":1799.3451,"sentiment":"neutral","sentiment_score":0.051479440182447433}],"sentiment":"neutral","sentiment_score":0.051479440182447433,"channel":0,"num_words":2,"start":1798.685,"end":1799.3451},{"sentences":[{"text":"That's true.","start":1799.005,"end":1799.9049,"sentiment":"neutral","sentiment_score":0.18631820380687714}],"sentiment":"neutral","sentiment_score":0.18631820380687714,"channel":1,"num_words":2,"start":1799.005,"end":1799.9049},{"sentences":[{"text":"And the investment options of the ethical portfolio are listed there.","start":1801.74,"end":1805.42,"sentiment":"neutral","sentiment_score":0.16617860238660465},{"text":"So you'd have ethically con the Vanguard ethically conscious Australian shares fund, the ethical world excluding Australia's shares, so that would be your international.","start":1805.42,"end":1818.675,"sentiment":"neutral","sentiment_score":0.18683388363569975},{"text":"Some global sustainability would still include the cybersecurity for a growth element.","start":1820.5751,"end":1825.7151,"sentiment":"neutral","sentiment_score":0.10734510670105617},{"text":"The BetaShares Electric Vehicles and Future Mobility Fund, some global agriculture, as well as some emerging markets that are carbon aware they're carbon aware focused, And then again, your defensive portfolio, which isn't an ethical option being that, again, the iShares care core composite bond.","start":1827.87,"end":1851.5651,"sentiment":"neutral","sentiment_score":0.07077893507149484},{"text":"So that's in replacement of the hybrid investment option.","start":1851.7051,"end":1856.22,"sentiment":"neutral","sentiment_score":0.05778623869021734}],"sentiment":"neutral","sentiment_score":0.11193314198367667,"channel":0,"num_words":101,"start":1801.74,"end":1856.22},{"sentences":[{"text":"Okay.","start":1856.7849,"end":1857.2849,"sentiment":"positive","sentiment_score":0.44206809997558594},{"text":"Brilliant.","start":1857.52,"end":1858.02,"sentiment":"positive","sentiment_score":0.5665707588195801}],"sentiment":"positive","sentiment_score":0.504319429397583,"channel":1,"num_words":2,"start":1856.7849,"end":1858.02},{"sentences":[{"text":"Again, following that, your proposed asset allocation will be within line will be in line with your high risk growth portfolio.","start":1859.64,"end":1869.1,"sentiment":"neutral","sentiment_score":0.28397590205782935},{"text":"And the final page on that is well, not the final.","start":1870.095,"end":1872.975,"sentiment":"neutral","sentiment_score":0.10252499309453098},{"text":"It's a bit of a blurb there on how we calculate our investment returns, and it explains how that is done.","start":1873.295,"end":1881.475,"sentiment":"neutral","sentiment_score":0.10265172964760236},{"text":"And then the last couple of pages are about the insurance.","start":1882.03,"end":1886.61,"sentiment":"neutral","sentiment_score":0.02920203581875698},{"text":"So we did look at a few other insurance companies for your income protection being OnePath, Encompass, Clearview, and Ascender with what those premiums are.","start":1886.67,"end":1896.85,"sentiment":"neutral","sentiment_score":0.06546261668205261}],"sentiment":"neutral","sentiment_score":0.12589598877428707,"channel":0,"num_words":89,"start":1859.64,"end":1896.85},{"sentences":[{"text":"And then there's information for you to read about holding insurance through superannuation, which I I believe you're probably already aware of because you hold the life and TPD insurance through super.","start":1897.0751,"end":1912.14,"sentiment":"neutral","sentiment_score":0.028839418955612928},{"text":"So that's the impacts of it.","start":1912.14,"end":1913.5801,"sentiment":"neutral","sentiment_score":-0.016530089701215427}],"sentiment":"neutral","sentiment_score":0.021675812325587396,"channel":0,"num_words":38,"start":1897.0751,"end":1913.5801},{"sentences":[{"text":"Yeah.","start":1913.5801,"end":1914.0801,"sentiment":"neutral","sentiment_score":0.1041237860918045}],"sentiment":"neutral","sentiment_score":0.1041237860918045,"channel":1,"num_words":1,"start":1913.5801,"end":1914.0801},{"sentences":[{"text":"So as I mentioned earlier, the impact to the balance, as long as we review it every year and make sure it's in line with your needs, we can make changes as needed, decrease or increase just to make","start":1913.5801,"end":1927.885,"sentiment":"neutral","sentiment_score":0.12931370763824537}],"sentiment":"neutral","sentiment_score":0.12931370763824537,"channel":0,"num_words":39,"start":1913.5801,"end":1927.885},{"sentences":[{"text":"Yep.","start":1927.765,"end":1928.265,"sentiment":"neutral","sentiment_score":0.12413346767425536}],"sentiment":"neutral","sentiment_score":0.12413346767425536,"channel":1,"num_words":1,"start":1927.765,"end":1928.265},{"sentences":[{"text":"sure that you're you're adequately protected.","start":1927.885,"end":1930.5449,"sentiment":"neutral","sentiment_score":0.15952282274762788}],"sentiment":"neutral","sentiment_score":0.15952282274762788,"channel":0,"num_words":6,"start":1927.885,"end":1930.5449},{"sentences":[{"text":"Okay.","start":1932.085,"end":1932.585,"sentiment":"neutral","sentiment_score":0.05204404518008232}],"sentiment":"neutral","sentiment_score":0.05204404518008232,"channel":1,"num_words":1,"start":1932.085,"end":1932.585},{"sentences":[{"text":"Any questions about that huge amount of information I've just downloaded to you?","start":1933.725,"end":1937.985,"sentiment":"neutral","sentiment_score":0.03801971673965454}],"sentiment":"neutral","sentiment_score":0.03801971673965454,"channel":0,"num_words":13,"start":1933.725,"end":1937.985},{"sentences":[{"text":"No.","start":1938.805,"end":1939.045,"sentiment":"neutral","sentiment_score":-0.15230175852775574},{"text":"No.","start":1939.045,"end":1939.205,"sentiment":"neutral","sentiment_score":-0.13562262058258057},{"text":"That's all good.","start":1939.205,"end":1940.265,"sentiment":"neutral","sentiment_score":-0.04691153019666672}],"sentiment":"neutral","sentiment_score":-0.08573179394006729,"channel":1,"num_words":5,"start":1938.805,"end":1940.265},{"sentences":[{"text":"Yep.","start":1940.8601,"end":1941.3601,"sentiment":"neutral","sentiment_score":0.25468555092811584}],"sentiment":"neutral","sentiment_score":0.25468555092811584,"channel":0,"num_words":1,"start":1940.8601,"end":1941.3601},{"sentences":[{"text":"It does all make it does all make sense.","start":1941.38,"end":1944.6,"sentiment":"neutral","sentiment_score":0.31647856699095833},{"text":"So","start":1944.8999,"end":1945.2999,"sentiment":"neutral","sentiment_score":0.14875969290733335}],"sentiment":"neutral","sentiment_score":0.29970667958259584,"channel":1,"num_words":10,"start":1941.38,"end":1945.2999},{"sentences":[{"text":"Yep.","start":1945.18,"end":1945.68,"sentiment":"neutral","sentiment_score":0.15571855008602142}],"sentiment":"neutral","sentiment_score":0.15571855008602142,"channel":0,"num_words":1,"start":1945.18,"end":1945.68},{"sentences":[{"text":"at the moment for me, I think my my option is to go with the recommended","start":1945.2999,"end":1948.7599,"sentiment":"neutral","sentiment_score":0.058318898314610124}],"sentiment":"neutral","sentiment_score":0.058318898314610124,"channel":1,"num_words":16,"start":1945.2999,"end":1948.7599},{"sentences":[{"text":"Yep.","start":1949.7401,"end":1950.06,"sentiment":"neutral","sentiment_score":0.006475324742496014},{"text":"Okay.","start":1950.06,"end":1950.56,"sentiment":"neutral","sentiment_score":-0.004968523979187012}],"sentiment":"neutral","sentiment_score":0.000753400381654501,"channel":0,"num_words":2,"start":1949.7401,"end":1950.56},{"sentences":[{"text":"non ethical","start":1951.1399,"end":1951.96,"sentiment":"neutral","sentiment_score":-0.03419669345021248}],"sentiment":"neutral","sentiment_score":-0.03419669345021248,"channel":1,"num_words":2,"start":1951.1399,"end":1951.96},{"sentences":[{"text":"Yep.","start":1952.9401,"end":1953.225,"sentiment":"neutral","sentiment_score":0.0002892303164117038},{"text":"Yep.","start":1953.705,"end":1954.205,"sentiment":"neutral","sentiment_score":0.01054857112467289}],"sentiment":"neutral","sentiment_score":0.005418900720542297,"channel":0,"num_words":2,"start":1952.9401,"end":1954.205},{"sentences":[{"text":"funds.","start":1954.1799,"end":1954.6799,"sentiment":"neutral","sentiment_score":0.015647342428565025}],"sentiment":"neutral","sentiment_score":0.015647342428565025,"channel":1,"num_words":1,"start":1954.1799,"end":1954.6799},{"sentences":[{"text":"Okay.","start":1954.6649,"end":1955.1649,"sentiment":"neutral","sentiment_score":0.18395447731018064},{"text":"That's absolutely fine.","start":1957.065,"end":1958.585,"sentiment":"positive","sentiment_score":0.3716281255086263},{"text":"I I I completely understand the the view of going ethical.","start":1958.585,"end":1964.765,"sentiment":"neutral","sentiment_score":0.22168288921768015},{"text":"I consider that myself in my own portfolio.","start":1965.225,"end":1968.285,"sentiment":"neutral","sentiment_score":0.1469735037535429},{"text":"I I feel for the the impact of insurance premiums and the long term growth.","start":1971.05,"end":1976.9901,"sentiment":"neutral","sentiment_score":-0.009445659816265106}],"sentiment":"neutral","sentiment_score":0.12556457284249758,"channel":0,"num_words":38,"start":1954.6649,"end":1976.9901},{"sentences":[{"text":"I did have to make the difficult decision.","start":1978.01,"end":1980.01,"sentiment":"neutral","sentiment_score":-0.13301652111113071},{"text":"I know some clients don't like it, which is why I always give the alternative so you can actually make a fully informed decision.","start":1980.01,"end":1989.245,"sentiment":"neutral","sentiment_score":0.03952007802824179},{"text":"Because, ultimately, it is your funds, and it and it is yours to do and invest how you wish.","start":1989.3049,"end":1997.45,"sentiment":"positive","sentiment_score":0.3418069654389432},{"text":"So I'm here just to give you the information for you to be able to make that decision.","start":1997.51,"end":2001.77,"sentiment":"neutral","sentiment_score":0.29522397824459606}],"sentiment":"neutral","sentiment_score":0.16945961819610733,"channel":0,"num_words":69,"start":1978.01,"end":2001.77},{"sentences":[{"text":"Yeah.","start":2001.78,"end":2002.28,"sentiment":"neutral","sentiment_score":0.17811045050621033}],"sentiment":"neutral","sentiment_score":0.17811045050621033,"channel":1,"num_words":1,"start":2001.78,"end":2002.28},{"sentences":[{"text":"Yeah.","start":2002.07,"end":2002.57,"sentiment":"neutral","sentiment_score":0.1829138696193695},{"text":"So if you when if you wanna take some time to review it, the only thing I do ask is in that text box in this SOA section, it's just right in there if you are gonna what so what portfolio you wanna go with.","start":2005.9551,"end":2021.54,"sentiment":"neutral","sentiment_score":0.15986083067125745},{"text":"So you can just write non ethical or ethical option, please.","start":2021.54,"end":2025.64,"sentiment":"neutral","sentiment_score":0.11663724211129275},{"text":"And if you're happy to also proceed with the income protection so we can get the team to be in contact and start that process.","start":2025.7001,"end":2035.105,"sentiment":"neutral","sentiment_score":0.2916296809911728}],"sentiment":"neutral","sentiment_score":0.19451710899792066,"channel":0,"num_words":82,"start":2002.07,"end":2035.105},{"sentences":[{"text":"Okay.","start":2037.44,"end":2037.94,"sentiment":"neutral","sentiment_score":0.1824517846107483},{"text":"No worries.","start":2038.0,"end":2038.6599,"sentiment":"neutral","sentiment_score":0.1839703544974327}],"sentiment":"neutral","sentiment_score":0.18346416453520456,"channel":1,"num_words":3,"start":2037.44,"end":2038.6599},{"sentences":[{"text":"Okay.","start":2039.725,"end":2040.225,"sentiment":"neutral","sentiment_score":0.1802784502506256},{"text":"Any other questions at all that I can help?","start":2043.165,"end":2045.885,"sentiment":"neutral","sentiment_score":0.1913181733753946},{"text":"Or, I mean, even if you have any questions later today or tomorrow, just give me a call.","start":2045.885,"end":2052.5,"sentiment":"neutral","sentiment_score":0.08024172950536013},{"text":"But yeah.","start":2052.5,"end":2053.16,"sentiment":"neutral","sentiment_score":0.08131160959601402},{"text":"And I will wait to receive your instructions, and we can then go from there.","start":2053.22,"end":2060.385,"sentiment":"neutral","sentiment_score":0.11502181341250738}],"sentiment":"neutral","sentiment_score":0.1163209680467844,"channel":0,"num_words":45,"start":2039.725,"end":2060.385},{"sentences":[{"text":"Yeah.","start":2061.1099,"end":2061.43,"sentiment":"neutral","sentiment_score":0.1924527883529663},{"text":"No worries at all.","start":2061.43,"end":2062.49,"sentiment":"neutral","sentiment_score":0.27155735343694687}],"sentiment":"neutral","sentiment_score":0.25573644042015076,"channel":1,"num_words":5,"start":2061.1099,"end":2062.49},{"sentences":[{"text":"Alright, James.","start":2063.265,"end":2064.065,"sentiment":"positive","sentiment_score":0.4034353047609329},{"text":"Well, thank you so much for your time this morning.","start":2064.065,"end":2065.745,"sentiment":"positive","sentiment_score":0.8300148546695709},{"text":"I really do appreciate it.","start":2065.745,"end":2067.205,"sentiment":"positive","sentiment_score":0.8256785273551941}],"sentiment":"positive","sentiment_score":0.7785536348819733,"channel":0,"num_words":17,"start":2063.265,"end":2067.205},{"sentences":[{"text":"No worries.","start":2067.75,"end":2068.23,"sentiment":"positive","sentiment_score":0.45877328515052795},{"text":"Yeah.","start":2068.23,"end":2068.31,"sentiment":"positive","sentiment_score":0.5111833810806274},{"text":"Thanks, Keha.","start":2068.31,"end":2069.13,"sentiment":"positive","sentiment_score":0.708050936460495}],"sentiment":"positive","sentiment_score":0.5689663648605346,"channel":1,"num_words":5,"start":2067.75,"end":2069.13},{"sentences":[{"text":"You're right.","start":2069.905,"end":2070.465,"sentiment":"positive","sentiment_score":0.7374002039432526},{"text":"Have a great day.","start":2070.465,"end":2071.425,"sentiment":"positive","sentiment_score":0.7933205515146255},{"text":"And, again, any questions, please feel free to call me.","start":2071.425,"end":2074.245,"sentiment":"neutral","sentiment_score":0.32215742617845533}],"sentiment":"positive","sentiment_score":0.49185355473309755,"channel":0,"num_words":16,"start":2069.905,"end":2074.245},{"sentences":[{"text":"Very easy.","start":2074.815,"end":2075.295,"sentiment":"positive","sentiment_score":0.6940493881702423},{"text":"Thank you very much.","start":2075.295,"end":2076.195,"sentiment":"positive","sentiment_score":0.8007966727018356}],"sentiment":"positive","sentiment_score":0.7652142445246378,"channel":1,"num_words":6,"start":2074.815,"end":2076.195},{"sentences":[{"text":"Thanks.","start":2076.2908,"end":2076.7908,"sentiment":"positive","sentiment_score":0.6814953088760376},{"text":"Bye.","start":2076.931,"end":2077.431,"sentiment":"positive","sentiment_score":0.387879341840744}],"sentiment":"positive","sentiment_score":0.5346873253583908,"channel":0,"num_words":2,"start":2076.2908,"end":2077.431},{"sentences":[{"text":"Bye bye.","start":2077.935,"end":2078.675,"sentiment":"neutral","sentiment_score":0.045400191098451594}],"sentiment":"neutral","sentiment_score":0.045400191098451594,"channel":1,"num_words":2,"start":2077.935,"end":2078.675}]},"summary":{"result":"success","short":"The representative from Oakview Financial provides recommendations for reviewing James' superannaged portfolio, including avoiding ethical or green investments and avoiding ethical or green investments. They recommend a non-equity portfolio and a monthly benefit of $4, Ioteenth, covering the waiting period of 30 days. The speaker emphasizes the importance of reviewing and updating the portfolio and offers information on the process of investing in the SOA. They stress the importance of making a fully informed decision to ensure proper investment decisions and offer to provide more information if needed."},"intents":{"segments":[{"text":"Just before I go any further, I do need to confirm and let you know that our calls are recorded for quality and coaching purposes. Is that okay?","start_word":27,"end_word":54,"intents":[{"intent":"Ask for confirmation","confidence_score":0.039426435},{"intent":"Confirm call recording","confidence_score":0.72016245}]},{"text":"I'm calling to talk through that advice about your superannuation portfolio. Do you have any time do you have time now?","start_word":95,"end_word":115,"intents":[{"intent":"Discuss investment strategy","confidence_score":0.0021304295}]},{"text":"I'm calling to talk through that advice about your superannuation portfolio. Do you have any time do you have time now? Yes.","start_word":95,"end_word":116,"intents":[{"intent":"Discuss advice","confidence_score":0.5923461}]},{"text":"What I've done is I have actually emailed you the advice document. So I'm gonna talk through it And and at when you have the opportunity to I'd ask that you review it before proceeding, if that's okay. Yeah.","start_word":145,"end_word":183,"intents":[{"intent":"Provide advice","confidence_score":0.068111494},{"intent":"Review guidance","confidence_score":0.00041931678}]},{"text":"Within that, this statement of advice has several goals. The ones that we're addressing in this advice document is reviewing your superannuation and investing in ethical and green options with a minimum of 80% allocated, possibly 100%.","start_word":278,"end_word":314,"intents":[{"intent":"Discuss goals","confidence_score":0.2321305}]},{"text":"I've considered two options. My recommendation is actually to not go with an ethical portfolio, and the reason for that is you are, in the long term, going to lose out on growth opportunities, which could impact your retirement goals.","start_word":720,"end_word":759,"intents":[{"intent":"Consider portfolio alternatives","confidence_score":0.02259888}]},{"text":"My recommendation is actually to not go with an ethical portfolio, and the reason for that is you are, in the long term, going to lose out on growth opportunities, which could impact your retirement goals.","start_word":724,"end_word":759,"intents":[{"intent":"Discuss portfolio recommendations and considerations","confidence_score":0.000098618526}]},{"text":"So what I've so, basically, what I've done is I've compared the investment portfolio that I'm recommending, which is an OVLA high growth portfolio, versus the ethical portfolio that we've put together.","start_word":828,"end_word":859,"intents":[{"intent":"Compare portfolio recommendations and benefits","confidence_score":0.002406872}]},{"text":"So the advantages and disadvantages are gonna be very similar to both. When we the disadvantages are obviously, with the one that I've recommended, it's not gonna align with your ethical goals and objectives. Both of them are gonna incur some brokerage costs when we do transact on the account to replace underperforming assets or go the ethical pathway.","start_word":998,"end_word":1056,"intents":[{"intent":"Clarify portfolio advantages and disadvantages","confidence_score":0.011658337}]},{"text":"And there is gonna be capital gains regardless of what what decisions made. It it will just vary to those figures that I mentioned before. Yeah. Okay. Yeah.","start_word":1058,"end_word":1085,"intents":[{"intent":"Evaluate portfolio benefits","confidence_score":0.088082805}]},{"text":"The next recommendation is to apply for income protection. So this is, as I mentioned in our review, to cover you if you're unable to work due to sickness or injury.","start_word":1509,"end_word":1539,"intents":[{"intent":"Apply for income protection","confidence_score":0.008727769}]},{"text":"So that's how long you are eligible to be paid for should you be unable to work due to injury or illness Yep.","start_word":1642,"end_word":1664,"intents":[{"intent":"Determine eligibility for benefits","confidence_score":0.036054302}]},{"text":"So the cost of that is I've recommended to be funded from your superannuation fund so it doesn't impact your personal cash flow. Your superannuation fund will count claim it as a tax deduction. Okay.","start_word":1675,"end_word":1709,"intents":[{"intent":"Determine superannuation fund's balance","confidence_score":0.0041493103}]},{"text":"So there is there's a table in there that does show the premium and the five and ten year impact and how having the insurance in there will cost about $17,000 life overall over ten years. It will impact your 16,000 portfolio over that ten years, having your life your existing life and TPD as well as your income protection. Yeah. Okay.","start_word":1777,"end_word":1838,"intents":[{"intent":"Explain premium and impact","confidence_score":0.09049155}]},{"text":"I have also recommended establishing a will, which in here just outlines the advantages and disadvantages, which is, you know, your estate will be distributed as per your wishes. If you die without a will, it does leave your wife and daughter without access to assets longer as it Okay.","start_word":1857,"end_word":1906,"intents":[{"intent":"Set up will","confidence_score":0.009020832}]},{"text":"So we automatically assume it's our spouse, but that's actually not the case legally. You do need to nominate it. Yes.","start_word":1965,"end_word":1985,"intents":[{"intent":"Nominate","confidence_score":0.0048142914}]},{"text":"Your our ongoing services is in here, so nothing's changed there. So we complete that in your reviews. If any of your circumstances change at any time or you need further advice, you reach out, and that's that's what your ongoing fee covers that we spoke about in your previous review. Yep.","start_word":1986,"end_word":2037,"intents":[{"intent":"Comple review","confidence_score":0.03595187},{"intent":"Complete reviews","confidence_score":0.024717996}]},{"text":"Now remuneration wise, we get paid a commission from the insurance company. So that's not an additional cost to you. So if you do take out that one path policy, Oakview will receive approximately $772 for the establishment of that policy and ongoing $257 a year for that policy. Your adviser fee remains the same, $1,554 a year, which is deducted from your super fund, So no changes there.","start_word":2038,"end_word":2106,"intents":[{"intent":"Pay commission","confidence_score":0.29671162}]},{"text":"We if you wish to implement the advice, we would there's a section within the document that you sign, which I'll move to in a moment, and then we proceed with changing your superannuation investments as per your directions.","start_word":2107,"end_word":2145,"intents":[{"intent":"Implement advice","confidence_score":0.49342984}]},{"text":"With the income protection, it will be someone from our team will contact you to complete to run you through the process of the application and complete that with you.","start_word":2147,"end_word":2176,"intents":[{"intent":"Complete application","confidence_score":0.3073034}]},{"text":"For the income protection, as mentioned, you'll need to go through the underwriting process again.","start_word":2176,"end_word":2190,"intents":[{"intent":"Discuss underwriting process","confidence_score":0.046162732}]},{"text":"Absolutely. Send them an email or give them a phone call, whatever works best for you, and let them know that you're a client of Oakview Financial and you've been referred to them, and they will work with you Yep. Yeah.","start_word":2319,"end_word":2359,"intents":[{"intent":"Confirm client status","confidence_score":0.024277745}]},{"text":"Send them an email or give them a phone call, whatever works best for you, and let them know that you're a client of Oakview Financial and you've been referred to them, and they will work with you Yep. Yeah.","start_word":2320,"end_word":2359,"intents":[{"intent":"Determine email","confidence_score":0.000044367458}]},{"text":"So if you can write which portfolio you would like to go with so that we make sure that it is actually implemented as per your actual wishes.","start_word":2453,"end_word":2480,"intents":[{"intent":"Identify portfolio","confidence_score":0.07191958}]},{"text":"So whether it be the ethical portfolio or the alternative portfolio, and also if you wish to proceed with the income protection once you've had a chance to review that.","start_word":2482,"end_word":2511,"intents":[{"intent":"Identify ethical portfolio type","confidence_score":0.000018820117}]},{"text":"So with the recommended fund, Mhmm. what would change with the current status?","start_word":2554,"end_word":2566,"intents":[{"intent":"Update document status","confidence_score":0.047938768}]},{"text":"We're you'll see we're taking a little bit out of that asset to just rebalance back to your high growth.","start_word":2972,"end_word":2991,"intents":[{"intent":"Rebalance portfolio and address investment concerns","confidence_score":0.00006231837}]},{"text":"So that document's called the appendix. So when you've got the appendix, if you keep scrolling, you should it should take you down to the appendix.","start_word":3221,"end_word":3246,"intents":[{"intent":"Review appendix","confidence_score":0.0095165465}]},{"text":"So what this contains so the first part of it is just a it's a table that outlines your the different risk profiles. So you're a high growth risk profile.","start_word":3280,"end_word":3309,"intents":[{"intent":"Understand risk profiles","confidence_score":0.17798114}]},{"text":"The important information about this SOA that I do need to visit is that the contents of the SOA are act as accurate and as possible based on the information that you've provided with us, and that you do need to make a decision on the recommendations within this SOA within sixty days of the date of it.","start_word":3341,"end_word":3398,"intents":[{"intent":"Make a decision on recommendations","confidence_score":0.028298376}]},{"text":"So this is if you were to go with the ethical investment option, you will see that there's a fee saving in the right hand column.","start_word":3492,"end_word":3517,"intents":[{"intent":"Explain fee savings for investment options","confidence_score":1.4350717e-9},{"intent":"Identify fee savings","confidence_score":0.0037611362}]},{"text":"Your insurance premiums are gonna increase because of the income protection, which is that negative figure there of $994, and Yes.","start_word":3570,"end_word":3590,"intents":[{"intent":"Calculate premiums and portfolios","confidence_score":0.0011826444}]},{"text":"So we did look at a few other insurance companies for your income protection being OnePath, Encompass, Clearview, and Ascender with what those premiums are. And then there's information for you to read about holding insurance through superannuation, which I I believe you're probably already aware of because you hold the life and TPD insurance through super. So that's the impacts of it. So Yeah.","start_word":3943,"end_word":4007,"intents":[{"intent":"Review insurance and information","confidence_score":0.00015580852}]},{"text":"Yeah.","start_word":4214,"end_word":4214,"intents":[{"intent":"Provide information and guidance for portfolio decision","confidence_score":0.000098027325}]},{"text":"So if you when if you wanna take some time to review it, the only thing I do ask is in that text box in this SOA section, it's just right in there if you are gonna what so what portfolio you wanna go with. So you can just write non ethical or ethical option, please. And if you're happy to also proceed with the income protection so we can get the team to be in contact and start that process. Okay.","start_word":4215,"end_word":4296,"intents":[{"intent":"Make plans for future","confidence_score":0.000003679805}]}]},"sentiments":{"segments":[{"text":"Hello. Jen speaking. Hello? Hi. Hi, James. It's Jenna here from Oakview Financial. How are you today? Yeah.","start_word":0,"end_word":17,"sentiment":"neutral","sentiment_score":0.13366518914699554},{"text":"Good, Jen. How are you? I'm well. I'm well.","start_word":18,"end_word":26,"sentiment":"positive","sentiment_score":0.3700350821018219},{"text":"Just before I go any further, I do need to confirm and let you know that our calls are recorded for quality and coaching purposes. Is that okay? It sure is. Thank you, James. Can I please also ask for you to confirm your full name, date of birth, and address? Thanks. Yep. James Edward Medland. 07/12/1994. Number 3, Balam Street, Slacks Creek, Queensland 4127.","start_word":27,"end_word":91,"sentiment":"neutral","sentiment_score":0.06220702826976776},{"text":"Fantastic. Thanks, James.","start_word":92,"end_word":94,"sentiment":"positive","sentiment_score":0.5407395958900452},{"text":"I'm calling to talk through that advice about your superannuation portfolio. Do you have any time do you have time now? Yes. I sure do.","start_word":95,"end_word":119,"sentiment":"neutral","sentiment_score":0.14064593613147736},{"text":"Oh, fantastic.","start_word":120,"end_word":121,"sentiment":"positive","sentiment_score":0.3563266098499298},{"text":"I know you're driving. Are you are you are you sure it's okay to proceed? Yeah. Yep. Sure Yes? is. Alright. Alright.","start_word":122,"end_word":143,"sentiment":"neutral","sentiment_score":0.1116732582449913},{"text":"Fantastic.","start_word":144,"end_word":144,"sentiment":"positive","sentiment_score":0.5140929222106934},{"text":"What I've done is I have actually emailed you the advice document. So I'm gonna talk through it And and at when you have the opportunity to I'd ask that you review it before proceeding, if that's okay. Yeah. That's not a problem.","start_word":145,"end_word":187,"sentiment":"neutral","sentiment_score":0.16679523885250092},{"text":"Lovely.","start_word":188,"end_word":188,"sentiment":"positive","sentiment_score":0.47957393527030945},{"text":"Okay. So the document itself is called a statement of advice. It contains all the advice that we are recommending in relation to your stated goals and objectives. There's a cover page which just outlines that I'm the one providing the advice to you through Oakview Financial, and there's a table of contents and the what it what we call our duty of best interest. So that means that any advice that we provide to you needs to be in your best interests and suit your circumstances. Yeah.","start_word":189,"end_word":276,"sentiment":"neutral","sentiment_score":0.15071693062782288},{"text":"Perfect.","start_word":277,"end_word":277,"sentiment":"positive","sentiment_score":0.403919517993927},{"text":"Within that, this statement of advice has several goals. The ones that we're addressing in this advice document is reviewing your superannuation and investing in ethical and green options with a minimum of 80% allocated, possibly 100%. You have also said that you're comfortable with your levels of life and TPD insurance. You don't wanna look at trauma insurance, but in our review, I did highlight that you had no income protection and being self employed, if anything was to happen to you due to injury or illness, that could come into play. And you said, have a look at that. Yep. And, also, a general recommendation that we make for all clients that don't have them is to arrange a will and power of attorney. So that's Yeah. what we're covering in this document. The goals that we're not we're not covering at this time is retirement goals simply because it's a significant period of time away. We don't need to address that as yet. And your savings of 150 a week continues to go to your opposite account along with the raising and renovation of your home. Yes. Throughout the document, the advice is provided based on the information you've provided us through recent review. I'm also not a legal practitioner, so I can't do wills or attorneys. They do need to be done by a wills or powers of attorney. They do need to be done by a solicitor. So any questions so far? No. That all makes No? sense.","start_word":278,"end_word":530,"sentiment":"neutral","sentiment_score":-0.019248960870999123},{"text":"Wonderful. Thank you.","start_word":531,"end_word":533,"sentiment":"positive","sentiment_score":0.5270116925239563},{"text":"The next section in the document when you do navigate through it is the about you section. So this is the information that I confirmed in the annual review with you. So income, employment, lifestyle, and assets, liabilities, superannuation, and current insurances. In our review, we talked about your risk profile, and that's the allocation of growth assets to defensive assets, you may recall. And we you agreed that you would like to stay as a high growth investor, which means typically, we'd see 90% of your assets allocated to gross being shares, listed property, and 10% of defensive assets such as cash and fixed interest, for example. Okay. Yep. Yep. The next part is the actual strategy. So I there's probably two elements to the strategy and the advice I've provided. I looked at your goal of ethical and green type of investments. There's a portfolio that is not. The reason I did that is your superannuation goal is to obvious obviously for growth, but also the green I took in the ethical option. So I took into account both goals, which are clearly different. I've considered two options.","start_word":534,"end_word":723,"sentiment":"neutral","sentiment_score":0.07267996864883523},{"text":"My recommendation is actually to not go with an ethical portfolio, and the reason for that is you are, in the long term, going to lose out on growth opportunities, which could impact your retirement goals.","start_word":724,"end_word":759,"sentiment":"negative","sentiment_score":-0.4058819115161896},{"text":"However, I've still included that ethical portfolio in there for you to consider as well. So it is entirely up to you.","start_word":760,"end_word":781,"sentiment":"neutral","sentiment_score":0.2737714946269989},{"text":"My my recommendation is to put you in a better financial position, but I've also taken into account your desire to go for a ethical green portfolio and included that as well.","start_word":782,"end_word":813,"sentiment":"positive","sentiment_score":0.42143580317497253},{"text":"So any questions about that No. Not before interested. I dig a bit deeper? So what I've so, basically, what I've done is I've compared the investment portfolio that I'm recommending, which is an OVLA high growth portfolio, versus the ethical portfolio that we've put together. To go the ethical portfolio, excuse me, you will realize higher capital gains tax. So that means we sell down the assets in your current portfolio, and the superannuation fund will incur a capital gains, which they'll pay. That's about $1,300 rounded up versus by changing to the OVLA high growth strategy around $203 capital gains. The the portfolio as well that I've recommended over the ethical is approximately $50 cheaper a year, which isn't much near here nor here nor there. It's just a consideration for you to consider. So what I have done is in within the statement of advice, it does recommend that the portfolio that is not the ethical option. But in the appendix, which is the second document that you'll have access to, that includes all the information for the ethical portfolio. Okay. So the advantages and disadvantages are gonna be very similar to both.","start_word":814,"end_word":1009,"sentiment":"neutral","sentiment_score":-0.02447403036057949},{"text":"When we the disadvantages are obviously, with the one that I've recommended, it's not gonna align with your ethical goals and objectives.","start_word":1010,"end_word":1031,"sentiment":"negative","sentiment_score":-0.35426977276802063},{"text":"Both of them are gonna incur some brokerage costs when we do transact on the account to replace underperforming assets or go the ethical pathway. And there is gonna be capital gains regardless of what what decisions made. It it will just vary to those figures that I mentioned before. Yeah. Okay. Yeah.","start_word":1032,"end_word":1084,"sentiment":"neutral","sentiment_score":-0.13308434328942928},{"text":"So the the strategy there outlines that with your the the non ethical portfolio that I've recommended, you're gonna save approximately $388 a year in fees.","start_word":1085,"end_word":1110,"sentiment":"positive","sentiment_score":0.34039872884750366},{"text":"And in ten years oh, in five years' time, the projected balance for your difference is about 37,500. And in ten years' time, it's about a 101,000. So the projections for that in the difference compared to right now by Okay. changing your investment options and, obviously, continuing with the regular reviews because that's the important part as well. Yep. It will also show on page 20 the breakdown of the investment options that I've recommended. There is somewhat similar to what you're currently invested in, just a little bit more exposure to different economies like Europe, increasing your exposure to Europe, removing your exposure to Asia at this point in time, and excuse me. And just diversifying that portfolio a little bit further. The portfolio I've recommended is in line with your risk profile, so you end up about 93% in growth assets, 7% in defensive assets, which is at ninety ten variance given your age and 20 I think it was twenty eight years to retirement. Sorry. I thought it skipped my mind. You you have the time to be able to withstand those variations. Does that make sense? Yes. It does. Yep. What I'm gonna do is I'm gonna jump to the appendix just to talk through the difference in the ethical investment. So with the so that's the portfolio I have recommended based on financial outcomes. Now the Okay. ethical investment analysis is in the appendix and contains the same information. So you will have a fee saving of approximately $335 per year. Your projected lump sum your projected balance in five years' time is about an additional $13,500, and in ten years' time, it's about $36,000.","start_word":1111,"end_word":1391,"sentiment":"neutral","sentiment_score":0.0910639613866806},{"text":"So that's one of the main reasons I've recommended the other portfolio because financially, it's gonna help you have access to more growth options over the longer term.","start_word":1392,"end_word":1419,"sentiment":"positive","sentiment_score":0.4260911643505096},{"text":"Again, it comes down to your decision, and I didn't make that recommendation lightly to knowing that your goal was specifically for invest for ethical investment options. So that's why I have included both for you to make an informed decision.","start_word":1420,"end_word":1460,"sentiment":"neutral","sentiment_score":0.19271354377269745},{"text":"Yep. Thank you. That's okay. And, again, that ethical portfolio is gonna see you invested in line with your high growth portfolio. You'll have about 89% in gross assets and about 11% in defensive assets.","start_word":1461,"end_word":1495,"sentiment":"positive","sentiment_score":0.454471617937088},{"text":"So they're Okay. both in there just in different parts of the document. The next recommendation is to apply for income protection. So this is, as I mentioned in our review, to cover you if you're unable to work due to sickness or injury. What that means is I've recommended a monthly benefit of $4,083, and that's 70% of your income that you confirmed to me, your taxable income in our review. Your waiting period is thirty days, so that means you have to be unable to work for thirty days, and then your benefit will kick in. So I I kind of compare it to, like, a car excess. If you have a claim, it's it's your excess. So it's the number of instead of a financial excess, it's the number of days you need to wait, and then your benefit period of six years. So that's how long you are eligible to be paid for should you be unable to work due to injury or illness Yep. depending on, Okay. you know, the severity of it. Yep. So the cost of that is I've recommended to be funded from your superannuation fund so it doesn't impact your personal cash flow. Your superannuation fund will count claim it as a tax deduction. Okay. So that's beneficial to your superannuation fund in that respect, but it also does impact the the balance over the long term. So any insurance paid for out of your super does deplete the balance in the long term, which is probably also why I have gone with the recommendation of the non ethical portfolio to ensure that it your funds aren't depleted too quickly. Yep. So there is there's a table in there that does show the premium and the five and ten year impact and how having the insurance in there will cost about $17,000 life overall over ten years. It will impact your 16,000 portfolio over that ten years, having your life your existing life and TPD as well as your income protection. Yeah. Okay. Any questions about the income protection or anything I've said so No.","start_word":1496,"end_word":1849,"sentiment":"neutral","sentiment_score":0.006194616777106783},{"text":"That don't make sense.","start_word":1850,"end_word":1853,"sentiment":"negative","sentiment_score":-0.4553007185459137},{"text":"far? Yeah. Okay. I have also recommended establishing a will, which in here just outlines the advantages and disadvantages, which is, you know, your estate will be distributed as per your wishes. If you die without a will, it does leave your wife and daughter without access to assets longer as it Okay. will need to go through the public trustee. So it's it's something that you should definitely look at. And a power of attorney, which I explained previously that I kind of explain it as a living will. So you're giving someone the authority to make decisions financially and health wise if we are unable to make them. Okay. So we automatically assume it's our spouse, but that's actually not the case legally. You do need to nominate it. Yes. Your our ongoing services is in here, so nothing's changed there. So we complete that in your reviews. If any of your circumstances change at any time or you need further advice, you reach out, and that's that's what your ongoing fee covers that we spoke about in your previous review. Yep. Now remuneration wise, we get paid a commission from the insurance company. So that's not an additional cost to you. So if you do take out that one path policy, Oakview will receive approximately $772 for the establishment of that policy and ongoing $257 a year for that policy. Your adviser fee remains the same, $1,554 a year, which is deducted from your super fund, So no changes there. We if you wish to implement the advice, we would there's a section within the document that you sign, which I'll move to in a moment, and then we proceed with changing your superannuation investments as per your directions. With the income protection, it will be someone from our team will contact you to complete to run you through the process of the application and complete that with you. For the income protection, as mentioned, you'll need to go through the underwriting process again. However, I think when we spoke last time, you said you're relatively healthy with no no issues, so I don't see that being an issue. Yep. And then lastly, consult with a lawyer to organize your wills and powers of attorney when you're able to. Yeah. Page And you've 40 already of the yep. you've already sent me those documents for I think it was c Yeah. d m. I yes. Because I am. That's right. Yeah. Yep. Yeah.","start_word":1854,"end_word":2269,"sentiment":"neutral","sentiment_score":0.08642477466939734},{"text":"So they can do everything that, like, the way we do it with you. So they can do it over the phone and virtually with you to make it nice and easy.","start_word":2270,"end_word":2301,"sentiment":"positive","sentiment_score":0.4665472209453583},{"text":"Okay. And I just need to Yeah. reach out to them to establish that. Is that correct?","start_word":2302,"end_word":2318,"sentiment":"neutral","sentiment_score":0.08096668124198914},{"text":"Absolutely.","start_word":2319,"end_word":2319,"sentiment":"positive","sentiment_score":0.3650086224079132},{"text":"Send them an email or give them a phone call, whatever works best for you, and let them know that you're a client of Oakview Financial and you've been referred to them, and they will work with you Yep. Yeah. Okay. to get your your matters addressed.","start_word":2320,"end_word":2366,"sentiment":"neutral","sentiment_score":0.24583148956298828},{"text":"Okay. Perfect. Thank you.","start_word":2367,"end_word":2370,"sentiment":"positive","sentiment_score":0.550444483757019},{"text":"Page 40 of the statement advice is the authority section. So when you decide when you've had the opportunity to review the document and decide which portfolio you would like to proceed with, there's a electronic signature option. You'll note above the electronic signature section that there's a box for you to write text in. What I do ask is if in that before you do sign in that text area, if you articulate this is where if you wanna make changes. So if you can write which portfolio you would like to go with so that we make sure that it is actually implemented as per your actual wishes. Yes. So whether it be the ethical portfolio or the alternative portfolio, and also if you wish to proceed with the income protection once you've had a chance to review that. That will then let us know what to action on your behalf, and the implementation process will then begin from there. Okay. Any questions I'm about just I have parked, and I'm just having a look at the document currently. okay.","start_word":2371,"end_word":2552,"sentiment":"neutral","sentiment_score":0.10776583703009636},{"text":"Beautiful.","start_word":2553,"end_word":2553,"sentiment":"positive","sentiment_score":0.6094285249710083},{"text":"So with the recommended fund, Mhmm. what would change with the current status? Okay. So if you go to page 20, this is gonna give us a table of what's what would change. Or page 21, actually, I think it is. It should be a heading called investments for the table. Okay. Bear with me for two seconds.","start_word":2554,"end_word":2611,"sentiment":"neutral","sentiment_score":0.08378436416387558},{"text":"You're absolutely fine.","start_word":2612,"end_word":2614,"sentiment":"positive","sentiment_score":0.34307730197906494},{"text":"Take your time. So I've got an email from you this morning. Is that the one I'm looking at? That you yes. Yeah. So it'll be Okay. the same process as the review documents. So you you click the option that says sign here or Yep. click here to sign. You're not signing anything there. We're just same as the review, just going over the documents. Yep. So so the first document should be the statement of advice and that if you go to page twenty twenty one, I there should be an investments option table there. don't see that Charlie. Services guide there. I'm looking at now the It should be the first document. So if you navigate back to the first document, you you have to scroll because it is a rather large document. The first document that's showing up for me is summary of superannuation and insurance as of the September 10. Okay. They've hang on a second. It looks like the wrong one's been sent to you. Give me one second. Okay. Sorry about that, James. I'm just gonna jump in. Alright. Let me try this again. Request. Alright. I'm hitting send on it again. Okay. Let me know when you received that one through. Just about the car. Is it too windy? Can you still hear me? No. I can hear you. That's fine. Okay.","start_word":2615,"end_word":2844,"sentiment":"neutral","sentiment_score":-0.003182196756824851},{"text":"Excellent.","start_word":2845,"end_word":2845,"sentiment":"positive","sentiment_score":0.35236498713493347},{"text":"Yep. I've got it to say.","start_word":2846,"end_word":2851,"sentiment":"neutral","sentiment_score":0.1931384354829788},{"text":"Beautiful.","start_word":2852,"end_word":2852,"sentiment":"positive","sentiment_score":0.3780100345611572},{"text":"So page 20 or 21 in that document. Yep. Okay. It's got investment there. Yep. Yep. So we're gonna be removing completely out of that Benelong Australian Equities Fund that we discussed.","start_word":2853,"end_word":2884,"sentiment":"neutral","sentiment_score":-0.08806966245174408},{"text":"So that was the underperforming one.","start_word":2885,"end_word":2890,"sentiment":"negative","sentiment_score":-0.45644235610961914},{"text":"Yep. We are also gonna move out of the battery tech and lithium as well as the global agriculture. And the purpose of that was I took into account the ethical approach you wanted to take and tried to look at a portfolio that will still provide provide growth but be as friendly as possible if that makes sense. Yeah. Yeah. Sure does. So yeah. So we're still remaining the site keeping the cybersecurity asset, the BetaShares cybersecurity.","start_word":2891,"end_word":2968,"sentiment":"neutral","sentiment_score":0.11244507133960724},{"text":"It's performing well.","start_word":2969,"end_word":2971,"sentiment":"positive","sentiment_score":0.4245753288269043},{"text":"We're you'll see we're taking a little bit out of that asset to just rebalance back to your high growth. We're removing ourselves completely from the iShares Asia, Okay. and we are increasing the assets to iShares Europe. So increasing our exposure to the Europe market. We are also increasing our exposure a little bit to The US market Yep. with the iShares S and P 500. Okay. Yep. We we are removing the Global Health and Vanguard diversified index and spreading those funds out across the remaining investments in the portfolio. So you'll see that we're still holding some Japan exposure, which is why we've removed to Asia because we don't want to double up there. We're keeping the beta shares or sorry. We're implementing the beta shares Australian 200. That's the replacement for the Benelon Australian equities that was underperforming. Okay. And we're we're buying into some physical gold, which provides a little bit of a defensive asset in the portfolio depending on how the market behaves. Gold can be quite a good little defensive asset. And the iShares at the bottom core composite bonds, that's the recommended replacement for the bank hybrid investment option that I spoke to you about in the review that's gonna be phased out from January 2027. Okay. So as I mentioned, the ethical portfolio is in the second document that's after this one. If you did you want me to I'll talk through I've got well, I'll just open that up. So that document's called the appendix. So when you've got the appendix, if you keep scrolling, you should it should take you down to the appendix. Oh, okay. It shouldn't do that. It should is there an arrow across the top that yep.","start_word":2972,"end_word":3263,"sentiment":"neutral","sentiment_score":0.014111409088188451},{"text":"Perfect.","start_word":3264,"end_word":3264,"sentiment":"positive","sentiment_score":0.5116404294967651},{"text":"I'm just opening it up on my screen.","start_word":3265,"end_word":3272,"sentiment":"neutral","sentiment_score":0.1318170577287674},{"text":"My computer is not playing friendly today.","start_word":3273,"end_word":3279,"sentiment":"negative","sentiment_score":-0.5804676413536072},{"text":"So what this contains so the first part of it is just a it's a table that outlines your the different risk profiles. So you're a high growth risk profile. So that's second in from the right, and you'll see the ninety ten split. So it just explains typically how we invest your funds across the different sectors in the market. The important information about this SOA that I do need to visit is that the contents of the SOA are act as accurate and as possible based on the information that you've provided with us, and that you do need to make a decision on the recommendations within this SOA within sixty days of the date of it. Because after that period of time, we'll need to redo it just based on the fact that client's financial and personal situations are likely to change in that time. So Okay. there is a currency in relation to that. The there is also a page that has the link to all the investment options that I've recommended. So you can click on those and read through the product disclosure statements there. And then following that is the ethical investment analysis. So it will show you a fee table. So current versus the recommended. So this is if you were to go with the ethical investment option, you will see that there's a fee saving in the right hand column. That figure that negative figure at the top is the capital gains tax that will be applied when we will will be realized when we sell down the portfolio and invest, and then the fees in that right hand column are the difference.","start_word":3280,"end_word":3560,"sentiment":"neutral","sentiment_score":0.054476380348205566},{"text":"So you're definitely gonna have a fee saving.","start_word":3561,"end_word":3568,"sentiment":"positive","sentiment_score":0.5132238268852234},{"text":"Your insurance premiums are gonna increase because of the income protection, which is that negative figure there of $994, and Yes.","start_word":3569,"end_word":3589,"sentiment":"negative","sentiment_score":-0.4755215048789978},{"text":"the overall fee savings 335. The table below that is the projected balance. So the lump sum in five years, your current balance, if we remain invested as we currently are, is projected out to be a 122,000. In the ethical portfolio, it would be 135,000 and the same for ten years. So that's how that is calculated. The green Yes. figure being the total difference. So when you have the opportunity to go back through the SOA, you can look at the same table for the not ethical portfolio option and see the difference there. And then the next page just shows you the annualized investment returns. So what we've done here is your current portfolio, what you're currently in, the recommended portfolio, which is the one that I have actually recommended, and then the ethical portfolio. So it just shows you the returns, the historical returns over the long term, which Yep. Okay. obviously are Yep. no indication for future performance, but we do look at it as a guide to the quality of the investment managers within Yeah. the portfolio That's true. And the investment options of the ethical portfolio are listed there. So you'd have ethically con the Vanguard ethically conscious Australian shares fund, the ethical world excluding Australia's shares, so that would be your international. Some global sustainability would still include the cybersecurity for a growth element. The BetaShares Electric Vehicles and Future Mobility Fund, some global agriculture, as well as some emerging markets that are carbon aware they're carbon aware focused, And then again, your defensive portfolio, which isn't an ethical option being that, again, the iShares care core composite bond. So that's in replacement of the hybrid investment option.","start_word":3590,"end_word":3875,"sentiment":"neutral","sentiment_score":0.08166376501321793},{"text":"Okay. Brilliant.","start_word":3876,"end_word":3877,"sentiment":"positive","sentiment_score":0.504319429397583},{"text":"Again, following that, your proposed asset allocation will be within line will be in line with your high risk growth portfolio. And the final page on that is well, not the final. It's a bit of a blurb there on how we calculate our investment returns, and it explains how that is done. And then the last couple of pages are about the insurance. So we did look at a few other insurance companies for your income protection being OnePath, Encompass, Clearview, and Ascender with what those premiums are. And then there's information for you to read about holding insurance through superannuation, which I I believe you're probably already aware of because you hold the life and TPD insurance through super. So that's the impacts of it. So Yeah. as I mentioned earlier, the impact to the balance, as long as we review it every year and make sure it's in line with your needs, we can make changes as needed, decrease or increase just to make Yep. sure that you're you're adequately protected. Okay. Any questions about that huge amount of information I've just downloaded to you? No. No. That's all good. Yep. It does all make it does all make sense. So Yep. at the moment for me, I think my my option is to go with the recommended Yep. Okay. non ethical Yep. Yep. funds. Okay.","start_word":3878,"end_word":4106,"sentiment":"neutral","sentiment_score":0.09369620205793838},{"text":"That's absolutely fine.","start_word":4107,"end_word":4109,"sentiment":"positive","sentiment_score":0.3648201823234558},{"text":"I I I completely understand the the view of going ethical. I consider that myself in my own portfolio. I I feel for the the impact of insurance premiums and the long term growth. I did have to make the difficult decision. I know some clients don't like it, which is why I always give the alternative so you can actually make a fully informed decision.","start_word":4110,"end_word":4175,"sentiment":"neutral","sentiment_score":0.03907142952084541},{"text":"Because, ultimately, it is your funds, and it and it is yours to do and invest how you wish.","start_word":4176,"end_word":4194,"sentiment":"positive","sentiment_score":0.33345484733581543},{"text":"So I'm here just to give you the information for you to be able to make that decision. Yeah. Yeah. So if you when if you wanna take some time to review it, the only thing I do ask is in that text box in this SOA section, it's just right in there if you are gonna what so what portfolio you wanna go with. So you can just write non ethical or ethical option, please. And if you're happy to also proceed with the income protection so we can get the team to be in contact and start that process. Okay. No worries. Okay. Any other questions at all that I can help? Or, I mean, even if you have any questions later today or tomorrow, just give me a call. But yeah. And I will wait to receive your instructions, and we can then go from there. Yeah. No worries at all.","start_word":4195,"end_word":4348,"sentiment":"neutral","sentiment_score":0.18431094366234616},{"text":"Alright, James. Well, thank you so much for your time this morning. I really do appreciate it. No worries. Yeah. Thanks, Keha. You're right. Have a great day.","start_word":4349,"end_word":4376,"sentiment":"positive","sentiment_score":0.7076252698898315},{"text":"And, again, any questions, please feel free to call me.","start_word":4377,"end_word":4386,"sentiment":"neutral","sentiment_score":0.3322478234767914},{"text":"Very easy. Thank you very much. Thanks. Bye.","start_word":4387,"end_word":4394,"sentiment":"positive","sentiment_score":0.6595684289932251},{"text":"Bye bye.","start_word":4395,"end_word":4396,"sentiment":"neutral","sentiment_score":0.24256610870361328}],"average":{"sentiment":"neutral","sentiment_score":0.07651863006790166}}}}