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I've made some updated recommendations with regards to your super new portfolio. Is now still a good time there for you? Yeah. Oh, that's okay. Is NASA gonna be an okay time for you? I can make it fairly quick so we don't take up too much of your time. Yes. Oh, I am so jealous of that. I still have till seven tonight. Yeah. No. That's all good. All good. Well, I normally send the document through to your email. Oh, are you able to access your emails at the moment? If you can't, that's okay. I can run through the recommendations and let you have a look at them later. What would you prefer? Yeah. Yeah. You're right. No. That's okay. If you like, what I'll do is I can run through the recommendations. I'll try to keep it as brief, but it goes through the things that I need to go through. I'll give you the advantages. I have disadvantages, risks involved, things like that. And then I'll let you go back. You can have a bit of a look at it when you've got some time ahead of you, maybe every weekend. Does that sound okay? Yep. Beautiful. All good, Lyle. Well, before we jump into the call, I do have to let you know we do record the call moving forward for training and quality purposes. Are you happy for me to proceed with that? Fantastic. And just to do a really quick security check there for you as well, just because we are discussing your personal information, I'll just get you to confirm your full name, your date of birth, and address I should have on file there for you. Yep. Yep. Yep. Beautiful. That yeah. That's everything. You did well. Thank you so much for that. All good. I have to send the email through to you, so it will be there when you get time to review the document. Essentially, it's an updated statement of advice. So I had sort of noted after reviewing your file, after your annual review, that it says that it has been for underperforming investment. So I went back and looked at your super investments you had and looked at updating your portfolio so that things are working harder for you, that you're in the best performing portfolio. But I was also able to save you a little bit in fees as well to reduce the cost the running cost of your super fund to make it a bit cheaper for you. Okay? Excellent. Essentially, with the advice piece on the very front, you'll notice it has been prepared for yourself as of today's date. We date it for the date on the of the presentation, which is today because all of our advice is valid for sixty days. On the bottom of the front page, it's also got my registration and license information. So I'm a licensed financial adviser, and my registration with ASIC is 1304394. Simply, I've scoped in superannuation and the investments within. Essentially, when we sort of spoke last time, your goal was that you were looking to sort of have your super working harder. You're hoping to reduce hours and hopefully access the age pension and retire around about age 67, if not a little bit after. Is that still sort of your goal? Are you still sort of on track for wanting that, or do you think your goal might have changed since then? Yep. Beautiful. I've also scoped the estate planning side of things as well. So you we didn't have a beneficiary nomination on file, so it is really important that we do have a beneficiary updated for you. My team will send it to you, and we can please fill it if you'd like assistance with that as well. Your goal for your estate planning was that you wanted to have your wife and super paid out 50% to your wife, Samantha, 25% to each of your children in in the event that something was to happen to you. So at the moment, without having a beneficiary on file, it simply means that if you were to pass away currently, your state and your life proceeds are paid are sent to your estate. They have to go through their own probate process. So at least having your beneficiary on file and having it all up to date means that your wife can come and claim the benefit through us, that we can help her to receive the funds, and it's a much quicker, more streamlined process for them to go through. I am recommending with your beneficiary, we nominate it as a binding non lasting beneficiary nomination. That means we'll get you to fill the format once. We'll put it on file. I'll check it with you on a regular basis, and you'll never have to fill out another nomination unless you choose to revoke or change the beneficiary on file. Does that make sense? Yeah. Beautiful. I'm also recommending that you do speak to a solicitor and have a will and power of attorney set up, not just for yourself, but your family as well. So just making sure that these sort of things are done. If in the event that something happens to you, even well, having your beneficiaries on file, a will and a power of attorney sort of looks after all the other side of things. The will correlate everything. You've worked so hard for your savings, your car, all those other bits and pieces you have. And the power of attorney allows you to nominate someone who can make decisions on your behalf in the event that you're incapacitated or not able to make those decisions. Okay. Excellent. Because I'm looking at super, we're not making any changes to your insurances at all. However, I have what's called limited scope the the insurances in. So because I've looked at your super and your insurances are paid out of your super funds, they do have an effect long term on your retirement income stream and your retirement figure. So I've spoken into a limited scope just now. We're not making any changes or recommendations. You are happy with the level of cover you have. We just need to make sure we factor those into any projections that we essentially do up for you. Okay? We've also spaced out a few additional areas. If you don't have income protection and trauma. We're happy not to worry about obtaining those at the moment. If you decide to down the track, you can let me know, and we can have that conversation. I've scoped out retirement at the moment. So you're not you're getting there. You still got another you know, a bit over ten years ahead of you before you've accessed super currently. It's a sixteen year time horizon, so we're not looking at the drawdown side of things as of yet, but we will do as you get closer. And when you get to retirement, I'll not only look at how to access your super, how to draw things down, but I'll also factor in for you and any other area that you need to assist merger time it is. Okay. You also had a cruise plan to Vanuatu. Did you take that already, or was that coming up still? Eight weeks ago. Oh, I'm so excited for you. Can't wait. Countdown is on. I love it. I hope you have the best time. I'm so excited for you. Fantastic. Excellent. Excellent. When you come back, I'll have a review ready for you, and we'll I'll be asking you how it was, where you went, what you did so I you can tell me where to go next time on my holiday. All good. So with the super with the recommendations there, I am making a recommendation that we retain your hub twenty four super account. I do go back and review the super when I am reviewing things like this just to make sure that you are in the best fund. Essentially, if we had have looked at moving you into any other fund, we would have been triggering a much bigger CDT cost to your super fund. So believe it or not, you do your tax return every year, but so does your super fund. So your super does a tax return every year. It pays income tax and capital gains tax on on the inside of things there. And if I had a book to sell down your total portfolio and move you to another fund, we would have been triggering a capital gains tax of just over $7,900. So in the interest of keeping your super working harder, I didn't wanna trigger as big a capital gains tax, and HubSpot is not a bad platform. There's lots of benefits to it. It has the most amount of investments available within an adviser platform, and it means that we can switch investments in a more tax effective way and make sure things keep working harder for you at the same time. So I'm recommending that we switch your investments over. Essentially, one of the ones that was underperforming very heavily when we sort of last saw that was Benelow Australian equity. We wanted to look at removing that completely out of your portfolio, but we also wanted to make some changes. So I'm looking to also move out the bank hybrid just because the government governments are looking to essentially remove these as an investment price down the track. So whilst I'm making changes to your portfolio now, we'll look to remove those as well. I'm also gonna move the the global agriculture in there as well. So it's not a bad investment, but it hasn't really been performing as well as late. So we wanna see remove that and replace it for you. Aside from removing those couple of investments, we're also gonna remove the ClearBridge infrastructure income fund. So infrastructure has had a bit of a downtime recently, especially with the changes that are happening within the government and the property side of things. So I wanted to remove that for you as well and replace it with something better performing. I'm going to rebalance your portfolio a little bit as well. So you've got physical gold, which is doing very, very well. We all love a bit of physical gold. It has had its ups and downs this year, but it has overall been performing nicely. You're a little bit overexposed at the moment in your portfolio. We only wanna hold about 8%. You've got about 14 at the moment. So I'm just gonna sell some of the physical gold and redistribute the growth into other areas for you to keep your portfolio moving and working. You've also got some cybersecurity. We only wanna hold about 5%, so I'm gonna sell a little bit of cybersecurity and essentially re balance your portfolio there. You've also got the S and P 500 and US equities, whilst the ups and downs have actually been doing very well. You're sitting at about 28%. I only wanna hold 20%, so I'm gonna sell some of those off as well and just rebalance you back a little bit. We've also got the beta shares Raffi 200. So this is tracking some of the top 200 companies on Australia by waiting. And, essentially, we wanna hold 15%. You've got 17% there at the moment. We're selling some of that off to rebalance you back a little bit as well. Aside from making those changes, we're going to buy into the India quality ETF because India has seen some great some great growth this year and is also expected provide greater growth down the track. We wanna hold 5% of the India investment. We wanna hold 4% in global health care, so giving you global exposure to health care. To replace the standalone Australian equity, which is underperforming, I'm gonna hold the the the beta share of a 200. So it's giving you more exposure to 200 companies on the ASX, and is that that along with the RAP is essentially giving you much greater exposure, and it's giving you more diversification into the Australian market as well. We're also gonna hold the JPMorgan Global Enhanced Research Equity Fund. This is just giving you global exposure to equities across the entire globe and utilizing JPMorgan's research team to be able to work out where they buy and sell. It's giving you a little bit of active management in your portfolio currently, so we'll hold 15%. And because we still want to you're in that growth environment there, which is about eighty twenty split between gross defensive investments, we still wanna hold some low risk defensive investments like cash and bonds. So we're gonna buy in to the iShares yield plus, which is giving you high interest income and also the core composite bond. So bonds are also more of a defensive investment holding them. They help to produce income. Income from these sorts of investments is paid into your cash account and reinvested into your portfolio for compounding. That is a a lot, and I fully get that when you're not looking at the document. Do you have any questions at the moment? I'm sorry, Lyle. Yeah. When you look at that when you look at the document on page 19 there, you'll see I've got some red and green. Anything in the red, we're gonna be selling off, and anything in the green, we're gonna be purchasing. And the last column is your target balance. It shows you what we're gonna end up once we've made those changes there for you. Okay? One of the reasons I have to make the changes in the portfolio is that the newer portfolio has shown greater past performance. So in your current growth portfolio, when you sort of look at how it's been performing over the past five years, it's actually about 9.63%, which isn't bad, but the newer portfolio overall has averaged 10.53%. So, realistically, we wanna be in the in a portfolio that's been performing greater because it gives you greater potential growth in the future. There's no change to your contributions or anything there. And as I kinda mentioned before, there are CGT impact for being able to change your portfolio. So in order to make these changes here, I have with the recent, and we estimate your your super funds will pay CGT of $710. So in order to make these changes, it's only a small $710 CGT bill for your super fund to take care of, and then you'll be in a much more greater performing fund. When it comes to the fees, as I kinda mentioned before, this portfolio is a bit cheaper. It's actually gonna save you for the first year about $544 in investment fees. So this portfolio performs much greater over the longer term. It's cheaper for you, and it's also providing you with greater diversification while keeping your asset allocation in the right sort of area. So all in all, I kinda weighed up the options, and this is the best way to go to make sure that things are updated, that we're removing any underperforming investments, and that we're keeping your super working harder for you over the longer term. Does that make sense? Do you have any questions? No? All good. All good. That is essentially the bulk of the recommendations, the only other one there as I've collected before with the beneficiary nominations. So what I'll get you to do is you're welcome to have a bit of a range of the document there when you do get some time. If you find you have any questions, please do let me know. I do outline more around the advantages, the disadvantages, and the risks involved. And if you, you know, come back with any questions, I'll make time to answer them. If you raise your hand, you decide you're happy just to take the recommendations on board, I'll get you to sign the document and return it back there for me just so we can have those updates made, have the investment switch completed nice and quick for you so you can benefit from that long term. And then we wanna make sure that we do review that with you regularly. I'm so sorry. Oh, did you? You probably saw them already. I'm sorry. I'm not even looking at my email. There you go. You have done. It looks like yeah. You have signed it. All good. Did you want me to email it to you as well? Do you do have a copy to run your eyes over? I'm so sorry, La. I missed that. Can I get you to repeat that for me? All good. Not an issue at all. The other document we did have attached there for you is your ongoing service agreement for the next twelve months. So you are an ongoing client. You do pay the 1.65% for our services, and that just continues for the next twelve months there. So one of the documents that was attached to the SOA is the updated agreement for the next twelve months there as well. The the only other thing is we're not making any changes to your insurance, but we do like to make sure we're open with the remuneration, How your insurer do pay us an ongoing pre an ongoing commission of 22% of the premium. It's just disclosed in the advice document for you so you're aware of that. It has no effect on our recommendations or anything to do with the insurances. It's just what we receive for writing the policy, and we just like to make sure we're open and disclose any remuneration that we receive from any of the providers. Okay? All good. I'll send you in a separate email shortly with a copy of those documents so you can run your eyes over them. If you have any questions, you are always welcome to let me know. And depending on how much you enjoy reading, I've also attached the financial services guide for us and any product disclosure statement to the email that you can also download to read as well. Okay. That was the one that I sent literally just as you answered the phone call, but I can double check what else we got. Yep. Yeah. That there was another yeah. There was another one there with your annual review pack. That was from February, but you don't have to worry about signing that one because we added your ongoing service agreement to this segment of advice. So that's all okay. You've signed everything in that one document. I try not to send too many of those over the time through, so we try to put the documents all in one to make it a bit easier on you. Otherwise, you could spend your life signing documents really, couldn't you? Oh, good. I wanted to make sure once we complete the switch of your investments that we do catch up with you. I know we did have your annual review a few months back. Would you like me to do a review with you maybe just before Christmas to see how things are tracking with the newer portfolio and just to see how things are done with you generally, or would you just like to do a catch up with me instead? You are again when after Christmas. What would be kind of preferable for you moving forward? Yep. Yep. Beautiful. Wanna make sure that we do do those catch ups that, you know, we had promised over the past. So I'm making a a huge effort to make sure they all get done. So I will put you in my calendar. My team will give you a call in early December. We'll book in a bit of a catch up prior to everyone going through Christmas break, and we'll give you an update on what's been happening with your portfolio with the changes that we're making and see if there's any new advice that needs to be provided. How does that sound? Fantastic. All good. Are you nearly at the pub? Legend. All good. Well, I will send you a separate email from my email with those documents attached. If you have any questions, please let me know. Don't hesitate to contact me, and I'll make sure we do attach up just before the Christmas break there as well. Okay? Oh, absolutely. Let me go and have a quick look in there. It could be it'll be different to what's in the advice document because that was done the other day, and Marcus updated again this afternoon. So I'll just pop in there quickly and grab it for you. Sorry. Won't be two seconds. I'm just logging in. Yeah. That's yeah. Yeah. So just after we did your annual review, that's when the peak of everything kinda hit with the markets between The US and Iran, what when Trump was doing a lot of that tweeting, that's when a lot of that the ups and downs were felt. But sitting there as of today, your balance is now at 290,905. Yeah. Fantastic. Well, I wanna make sure after I make these changes and remove those underperforming investments that we keep building and growing on that for you because this is everything you've worked so hard for. And when you get to 67, I wanna see you enjoying an amazing retirement and living your best life, and I'm I'm excited to be a part of that for you. Fantastic. Fantastic. I'm excited to hear how that cruise, but you enjoy that eight weeks can't come really enough for you. Yeah. Well, you have an amazing time. I'll get this switch processed, get that email out to you. My team will get the beneficiary nominations sorted and help you to have those applied, and I look forward to catching up with you in December and seeing how things are tracking. Okay. Thank you so much for your time, Lyle. I really appreciated you allowing me to run through this for you this afternoon. I hope you have a good night, and I look forward to, you know, be moving forward in helping you and, yeah, implementing the advice. Enjoy your night. Enjoy your beer or two or three. Have a good night. Thank you so much for taking my call. I truly appreciate it. You too. Thanks, Lyle. See you later. 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Lyle. This is Dana from OCU Financial. How are you this afternoon? Oh, I'm so sorry to hear that. I had to book in just to run through your updated statement of advice.\n\nI've made some updated recommendations with regards to your super new portfolio. Is now still a good time there for you? Yeah. Oh, that's okay. Is NASA gonna be an okay time for you?\n\nI can make it fairly quick so we don't take up too much of your time. Yes. Oh, I am so jealous of that. I still have till seven tonight. Yeah.\n\nNo. That's all good. All good. Well, I normally send the document through to your email. Oh, are you able to access your emails at the moment?\n\nIf you can't, that's okay. I can run through the recommendations and let you have a look at them later. What would you prefer? Yeah. Yeah.\n\nYou're right. No. That's okay. If you like, what I'll do is I can run through the recommendations. I'll try to keep it as brief, but it goes through the things that I need to go through.\n\nI'll give you the advantages. I have disadvantages, risks involved, things like that. And then I'll let you go back. You can have a bit of a look at it when you've got some time ahead of you, maybe every weekend. Does that sound okay?\n\nYep. Beautiful. All good, Lyle. Well, before we jump into the call, I do have to let you know we do record the call moving forward for training and quality purposes. Are you happy for me to proceed with that?\n\nFantastic. And just to do a really quick security check there for you as well, just because we are discussing your personal information, I'll just get you to confirm your full name, your date of birth, and address I should have on file there for you. Yep. Yep. Yep.\n\nBeautiful. That yeah. That's everything. You did well. Thank you so much for that.\n\nAll good. I have to send the email through to you, so it will be there when you get time to review the document. Essentially, it's an updated statement of advice. So I had sort of noted after reviewing your file, after your annual review, that it says that it has been for underperforming investment. So I went back and looked at your super investments you had and looked at updating your portfolio so that things are working harder for you, that you're in the best performing portfolio.\n\nBut I was also able to save you a little bit in fees as well to reduce the cost the running cost of your super fund to make it a bit cheaper for you. Okay? Excellent. Essentially, with the advice piece on the very front, you'll notice it has been prepared for yourself as of today's date. We date it for the date on the of the presentation, which is today because all of our advice is valid for sixty days.\n\nOn the bottom of the front page, it's also got my registration and license information. So I'm a licensed financial adviser, and my registration with ASIC is 1304394. Simply, I've scoped in superannuation and the investments within. Essentially, when we sort of spoke last time, your goal was that you were looking to sort of have your super working harder. You're hoping to reduce hours and hopefully access the age pension and retire around about age 67, if not a little bit after.\n\nIs that still sort of your goal? Are you still sort of on track for wanting that, or do you think your goal might have changed since then? Yep. Beautiful. I've also scoped the estate planning side of things as well.\n\nSo you we didn't have a beneficiary nomination on file, so it is really important that we do have a beneficiary updated for you. My team will send it to you, and we can please fill it if you'd like assistance with that as well. Your goal for your estate planning was that you wanted to have your wife and super paid out 50% to your wife, Samantha, 25% to each of your children in in the event that something was to happen to you. So at the moment, without having a beneficiary on file, it simply means that if you were to pass away currently, your state and your life proceeds are paid are sent to your estate. They have to go through their own probate process.\n\nSo at least having your beneficiary on file and having it all up to date means that your wife can come and claim the benefit through us, that we can help her to receive the funds, and it's a much quicker, more streamlined process for them to go through. I am recommending with your beneficiary, we nominate it as a binding non lasting beneficiary nomination. That means we'll get you to fill the format once. We'll put it on file. I'll check it with you on a regular basis, and you'll never have to fill out another nomination unless you choose to revoke or change the beneficiary on file.\n\nDoes that make sense? Yeah. Beautiful. I'm also recommending that you do speak to a solicitor and have a will and power of attorney set up, not just for yourself, but your family as well. So just making sure that these sort of things are done.\n\nIf in the event that something happens to you, even well, having your beneficiaries on file, a will and a power of attorney sort of looks after all the other side of things. The will correlate everything. You've worked so hard for your savings, your car, all those other bits and pieces you have. And the power of attorney allows you to nominate someone who can make decisions on your behalf in the event that you're incapacitated or not able to make those decisions. Okay.\n\nExcellent. Because I'm looking at super, we're not making any changes to your insurances at all. However, I have what's called limited scope the the insurances in. So because I've looked at your super and your insurances are paid out of your super funds, they do have an effect long term on your retirement income stream and your retirement figure. So I've spoken into a limited scope just now.\n\nWe're not making any changes or recommendations. You are happy with the level of cover you have. We just need to make sure we factor those into any projections that we essentially do up for you. Okay? We've also spaced out a few additional areas.\n\nIf you don't have income protection and trauma. We're happy not to worry about obtaining those at the moment. If you decide to down the track, you can let me know, and we can have that conversation. I've scoped out retirement at the moment. So you're not you're getting there.\n\nYou still got another you know, a bit over ten years ahead of you before you've accessed super currently. It's a sixteen year time horizon, so we're not looking at the drawdown side of things as of yet, but we will do as you get closer. And when you get to retirement, I'll not only look at how to access your super, how to draw things down, but I'll also factor in for you and any other area that you need to assist merger time it is. Okay. You also had a cruise plan to Vanuatu.\n\nDid you take that already, or was that coming up still? Eight weeks ago. Oh, I'm so excited for you. Can't wait. Countdown is on.\n\nI love it. I hope you have the best time. I'm so excited for you. Fantastic. Excellent.\n\nExcellent. When you come back, I'll have a review ready for you, and we'll I'll be asking you how it was, where you went, what you did so I you can tell me where to go next time on my holiday. All good. So with the super with the recommendations there, I am making a recommendation that we retain your hub twenty four super account. I do go back and review the super when I am reviewing things like this just to make sure that you are in the best fund.\n\nEssentially, if we had have looked at moving you into any other fund, we would have been triggering a much bigger CDT cost to your super fund. So believe it or not, you do your tax return every year, but so does your super fund. So your super does a tax return every year. It pays income tax and capital gains tax on on the inside of things there. And if I had a book to sell down your total portfolio and move you to another fund, we would have been triggering a capital gains tax of just over $7,900.\n\nSo in the interest of keeping your super working harder, I didn't wanna trigger as big a capital gains tax, and HubSpot is not a bad platform. There's lots of benefits to it. It has the most amount of investments available within an adviser platform, and it means that we can switch investments in a more tax effective way and make sure things keep working harder for you at the same time. So I'm recommending that we switch your investments over. Essentially, one of the ones that was underperforming very heavily when we sort of last saw that was Benelow Australian equity.\n\nWe wanted to look at removing that completely out of your portfolio, but we also wanted to make some changes. So I'm looking to also move out the bank hybrid just because the government governments are looking to essentially remove these as an investment price down the track. So whilst I'm making changes to your portfolio now, we'll look to remove those as well. I'm also gonna move the the global agriculture in there as well. So it's not a bad investment, but it hasn't really been performing as well as late.\n\nSo we wanna see remove that and replace it for you. Aside from removing those couple of investments, we're also gonna remove the ClearBridge infrastructure income fund. So infrastructure has had a bit of a downtime recently, especially with the changes that are happening within the government and the property side of things. So I wanted to remove that for you as well and replace it with something better performing. I'm going to rebalance your portfolio a little bit as well.\n\nSo you've got physical gold, which is doing very, very well. We all love a bit of physical gold. It has had its ups and downs this year, but it has overall been performing nicely. You're a little bit overexposed at the moment in your portfolio. We only wanna hold about 8%.\n\nYou've got about 14 at the moment. So I'm just gonna sell some of the physical gold and redistribute the growth into other areas for you to keep your portfolio moving and working. You've also got some cybersecurity. We only wanna hold about 5%, so I'm gonna sell a little bit of cybersecurity and essentially re balance your portfolio there. You've also got the S and P 500 and US equities, whilst the ups and downs have actually been doing very well.\n\nYou're sitting at about 28%. I only wanna hold 20%, so I'm gonna sell some of those off as well and just rebalance you back a little bit. We've also got the beta shares Raffi 200. So this is tracking some of the top 200 companies on Australia by waiting. And, essentially, we wanna hold 15%.\n\nYou've got 17% there at the moment. We're selling some of that off to rebalance you back a little bit as well. Aside from making those changes, we're going to buy into the India quality ETF because India has seen some great some great growth this year and is also expected provide greater growth down the track. We wanna hold 5% of the India investment. We wanna hold 4% in global health care, so giving you global exposure to health care.\n\nTo replace the standalone Australian equity, which is underperforming, I'm gonna hold the the the beta share of a 200. So it's giving you more exposure to 200 companies on the ASX, and is that that along with the RAP is essentially giving you much greater exposure, and it's giving you more diversification into the Australian market as well. We're also gonna hold the JPMorgan Global Enhanced Research Equity Fund. This is just giving you global exposure to equities across the entire globe and utilizing JPMorgan's research team to be able to work out where they buy and sell. It's giving you a little bit of active management in your portfolio currently, so we'll hold 15%.\n\nAnd because we still want to you're in that growth environment there, which is about eighty twenty split between gross defensive investments, we still wanna hold some low risk defensive investments like cash and bonds. So we're gonna buy in to the iShares yield plus, which is giving you high interest income and also the core composite bond. So bonds are also more of a defensive investment holding them. They help to produce income. Income from these sorts of investments is paid into your cash account and reinvested into your portfolio for compounding.\n\nThat is a a lot, and I fully get that when you're not looking at the document. Do you have any questions at the moment? I'm sorry, Lyle. Yeah. When you look at that when you look at the document on page 19 there, you'll see I've got some red and green.\n\nAnything in the red, we're gonna be selling off, and anything in the green, we're gonna be purchasing. And the last column is your target balance. It shows you what we're gonna end up once we've made those changes there for you. Okay? One of the reasons I have to make the changes in the portfolio is that the newer portfolio has shown greater past performance.\n\nSo in your current growth portfolio, when you sort of look at how it's been performing over the past five years, it's actually about 9.63%, which isn't bad, but the newer portfolio overall has averaged 10.53%. So, realistically, we wanna be in the in a portfolio that's been performing greater because it gives you greater potential growth in the future. There's no change to your contributions or anything there. And as I kinda mentioned before, there are CGT impact for being able to change your portfolio. So in order to make these changes here, I have with the recent, and we estimate your your super funds will pay CGT of $710.\n\nSo in order to make these changes, it's only a small $710 CGT bill for your super fund to take care of, and then you'll be in a much more greater performing fund. When it comes to the fees, as I kinda mentioned before, this portfolio is a bit cheaper. It's actually gonna save you for the first year about $544 in investment fees. So this portfolio performs much greater over the longer term. It's cheaper for you, and it's also providing you with greater diversification while keeping your asset allocation in the right sort of area.\n\nSo all in all, I kinda weighed up the options, and this is the best way to go to make sure that things are updated, that we're removing any underperforming investments, and that we're keeping your super working harder for you over the longer term. Does that make sense? Do you have any questions? No? All good.\n\nAll good. That is essentially the bulk of the recommendations, the only other one there as I've collected before with the beneficiary nominations. So what I'll get you to do is you're welcome to have a bit of a range of the document there when you do get some time. If you find you have any questions, please do let me know. I do outline more around the advantages, the disadvantages, and the risks involved.\n\nAnd if you, you know, come back with any questions, I'll make time to answer them. If you raise your hand, you decide you're happy just to take the recommendations on board, I'll get you to sign the document and return it back there for me just so we can have those updates made, have the investment switch completed nice and quick for you so you can benefit from that long term. And then we wanna make sure that we do review that with you regularly. I'm so sorry. Oh, did you?\n\nYou probably saw them already. I'm sorry. I'm not even looking at my email. There you go. You have done.\n\nIt looks like yeah. You have signed it. All good. Did you want me to email it to you as well? Do you do have a copy to run your eyes over?\n\nI'm so sorry, La. I missed that. Can I get you to repeat that for me? All good. Not an issue at all.\n\nThe other document we did have attached there for you is your ongoing service agreement for the next twelve months. So you are an ongoing client. You do pay the 1.65% for our services, and that just continues for the next twelve months there. So one of the documents that was attached to the SOA is the updated agreement for the next twelve months there as well. The the only other thing is we're not making any changes to your insurance, but we do like to make sure we're open with the remuneration, How your insurer do pay us an ongoing pre an ongoing commission of 22% of the premium.\n\nIt's just disclosed in the advice document for you so you're aware of that. It has no effect on our recommendations or anything to do with the insurances. It's just what we receive for writing the policy, and we just like to make sure we're open and disclose any remuneration that we receive from any of the providers. Okay? All good.\n\nI'll send you in a separate email shortly with a copy of those documents so you can run your eyes over them. If you have any questions, you are always welcome to let me know. And depending on how much you enjoy reading, I've also attached the financial services guide for us and any product disclosure statement to the email that you can also download to read as well. Okay. That was the one that I sent literally just as you answered the phone call, but I can double check what else we got.\n\nYep. Yeah. That there was another yeah. There was another one there with your annual review pack. That was from February, but you don't have to worry about signing that one because we added your ongoing service agreement to this segment of advice.\n\nSo that's all okay. You've signed everything in that one document. I try not to send too many of those over the time through, so we try to put the documents all in one to make it a bit easier on you. Otherwise, you could spend your life signing documents really, couldn't you? Oh, good.\n\nI wanted to make sure once we complete the switch of your investments that we do catch up with you. I know we did have your annual review a few months back. Would you like me to do a review with you maybe just before Christmas to see how things are tracking with the newer portfolio and just to see how things are done with you generally, or would you just like to do a catch up with me instead? You are again when after Christmas. What would be kind of preferable for you moving forward?\n\nYep. Yep. Beautiful. Wanna make sure that we do do those catch ups that, you know, we had promised over the past. So I'm making a a huge effort to make sure they all get done.\n\nSo I will put you in my calendar. My team will give you a call in early December. We'll book in a bit of a catch up prior to everyone going through Christmas break, and we'll give you an update on what's been happening with your portfolio with the changes that we're making and see if there's any new advice that needs to be provided. How does that sound? Fantastic.\n\nAll good. Are you nearly at the pub? Legend. All good. Well, I will send you a separate email from my email with those documents attached.\n\nIf you have any questions, please let me know. Don't hesitate to contact me, and I'll make sure we do attach up just before the Christmas break there as well. Okay? Oh, absolutely. Let me go and have a quick look in there.\n\nIt could be it'll be different to what's in the advice document because that was done the other day, and Marcus updated again this afternoon. So I'll just pop in there quickly and grab it for you. Sorry. Won't be two seconds. I'm just logging in.\n\nYeah. That's yeah. Yeah. So just after we did your annual review, that's when the peak of everything kinda hit with the markets between The US and Iran, what when Trump was doing a lot of that tweeting, that's when a lot of that the ups and downs were felt. But sitting there as of today, your balance is now at 290,905.\n\nYeah. Fantastic. Well, I wanna make sure after I make these changes and remove those underperforming investments that we keep building and growing on that for you because this is everything you've worked so hard for. And when you get to 67, I wanna see you enjoying an amazing retirement and living your best life, and I'm I'm excited to be a part of that for you. Fantastic.\n\nFantastic. I'm excited to hear how that cruise, but you enjoy that eight weeks can't come really enough for you. Yeah. Well, you have an amazing time. I'll get this switch processed, get that email out to you.\n\nMy team will get the beneficiary nominations sorted and help you to have those applied, and I look forward to catching up with you in December and seeing how things are tracking. Okay. Thank you so much for your time, Lyle. I really appreciated you allowing me to run through this for you this afternoon. I hope you have a good night, and I look forward to, you know, be moving forward in helping you and, yeah, implementing the advice.\n\nEnjoy your night. Enjoy your beer or two or three. Have a good night. Thank you so much for taking my call. I truly appreciate it.\n\nYou too. Thanks, Lyle. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Lyle.","start":2.24,"end":2.96,"sentiment":"neutral","sentiment_score":0.1883314847946167},{"text":"This is Dana from OCU Financial.","start":2.96,"end":4.66,"sentiment":"neutral","sentiment_score":0.2119197423259417},{"text":"How are you this afternoon?","start":4.7999997,"end":5.94,"sentiment":"neutral","sentiment_score":0.28273736834526064},{"text":"Oh, I'm so sorry to hear that.","start":8.96,"end":10.9,"sentiment":"neutral","sentiment_score":-0.11883898984108653},{"text":"I had to book in just to run through your updated statement of advice.","start":13.914999,"end":17.195,"sentiment":"neutral","sentiment_score":0.07552909744637352}],"sentiment":"neutral","sentiment_score":0.09668831472449443,"num_words":34,"start":2.24,"end":17.195},{"sentences":[{"text":"I've made some updated recommendations with regards to your super new portfolio.","start":17.195,"end":20.895,"sentiment":"neutral","sentiment_score":0.27761608362197876},{"text":"Is now still a good time there for you?","start":21.115,"end":23.294998,"sentiment":"neutral","sentiment_score":0.23620229297214085},{"text":"Yeah.","start":33.77,"end":34.27,"sentiment":"neutral","sentiment_score":-0.0007264949381351471},{"text":"Oh, that's okay.","start":34.97,"end":36.17,"sentiment":"neutral","sentiment_score":0.07083685199419658},{"text":"Is NASA gonna be an okay time for you?","start":36.17,"end":38.25,"sentiment":"neutral","sentiment_score":0.059806650711430445}],"sentiment":"neutral","sentiment_score":0.18256639875471592,"num_words":34,"start":17.195,"end":38.25},{"sentences":[{"text":"I can make it fairly quick so we don't take up too much of your time.","start":38.25,"end":41.805,"sentiment":"neutral","sentiment_score":0.13509957725182176},{"text":"Yes.","start":44.184998,"end":44.684998,"sentiment":"neutral","sentiment_score":0.07015497982501984},{"text":"Oh, I am so jealous of that.","start":46.905,"end":49.965,"sentiment":"neutral","sentiment_score":0.041572837957314084},{"text":"I still have till seven tonight.","start":51.545,"end":53.245,"sentiment":"neutral","sentiment_score":0.0542500838637352},{"text":"Yeah.","start":57.84,"end":58.16,"sentiment":"neutral","sentiment_score":0.07949225604534149}],"sentiment":"neutral","sentiment_score":0.09444357550913288,"num_words":31,"start":38.25,"end":58.16},{"sentences":[{"text":"No.","start":58.16,"end":58.4,"sentiment":"neutral","sentiment_score":0.07495209574699402},{"text":"That's all good.","start":58.4,"end":59.440002,"sentiment":"neutral","sentiment_score":0.2439864178498586},{"text":"All good.","start":59.440002,"end":60.18,"sentiment":"positive","sentiment_score":0.3676327168941498},{"text":"Well, I normally send the document through to your email.","start":60.56,"end":63.2,"sentiment":"neutral","sentiment_score":0.054901262000203135},{"text":"Oh, are you able to access your emails at the moment?","start":63.2,"end":65.76,"sentiment":"neutral","sentiment_score":0.03667089986530217}],"sentiment":"neutral","sentiment_score":0.09239145561500832,"num_words":27,"start":58.16,"end":65.76},{"sentences":[{"text":"If you can't, that's okay.","start":65.76,"end":66.88,"sentiment":"neutral","sentiment_score":0.025746655464172364},{"text":"I can run through the recommendations and let you have a look at them later.","start":66.88,"end":70.035,"sentiment":"neutral","sentiment_score":0.10514506747325261},{"text":"What would you prefer?","start":70.035,"end":71.255,"sentiment":"neutral","sentiment_score":0.03693107841536403},{"text":"Yeah.","start":80.435,"end":80.935,"sentiment":"neutral","sentiment_score":0.04915418475866318},{"text":"Yeah.","start":81.475,"end":81.715,"sentiment":"neutral","sentiment_score":0.08265316486358643}],"sentiment":"neutral","sentiment_score":0.07636311356551372,"num_words":26,"start":65.76,"end":81.715},{"sentences":[{"text":"You're right.","start":81.715,"end":82.535,"sentiment":"neutral","sentiment_score":0.09438158571720123},{"text":"No.","start":101.485,"end":101.645004,"sentiment":"neutral","sentiment_score":-0.03151901811361313},{"text":"That's okay.","start":101.645004,"end":102.365005,"sentiment":"neutral","sentiment_score":0.02336438186466694},{"text":"If you like, what I'll do is I can run through the recommendations.","start":102.365005,"end":104.865005,"sentiment":"neutral","sentiment_score":0.09007814698494397},{"text":"I'll try to keep it as brief, but it goes through the things that I need to go through.","start":106.205,"end":110.37,"sentiment":"neutral","sentiment_score":0.10561816041406832}],"sentiment":"neutral","sentiment_score":0.09139821285734305,"num_words":37,"start":81.715,"end":110.37},{"sentences":[{"text":"I'll give you the advantages.","start":110.37,"end":111.65,"sentiment":"neutral","sentiment_score":0.15373265445232392},{"text":"I have disadvantages, risks involved, things like that.","start":111.65,"end":114.630005,"sentiment":"neutral","sentiment_score":-0.08482244471088052},{"text":"And then I'll let you go back.","start":115.01,"end":116.29,"sentiment":"neutral","sentiment_score":0.07070742707167353},{"text":"You can have a bit of a look at it when you've got some time ahead of you, maybe every weekend.","start":116.29,"end":120.05,"sentiment":"neutral","sentiment_score":0.1251735502765292},{"text":"Does that sound okay?","start":120.05,"end":121.19,"sentiment":"neutral","sentiment_score":0.11702156811952591}],"sentiment":"neutral","sentiment_score":0.08181703405247795,"num_words":45,"start":110.37,"end":121.19},{"sentences":[{"text":"Yep.","start":123.01,"end":123.375,"sentiment":"neutral","sentiment_score":0.1481393426656723},{"text":"Beautiful.","start":123.615,"end":124.115,"sentiment":"positive","sentiment_score":0.5218417644500732},{"text":"All good, Lyle.","start":124.175,"end":125.155,"sentiment":"positive","sentiment_score":0.39908288170893985},{"text":"Well, before we jump into the call, I do have to let you know we do record the call moving forward for training and quality purposes.","start":125.215,"end":130.975,"sentiment":"neutral","sentiment_score":0.06215367967692705},{"text":"Are you happy for me to proceed with that?","start":130.975,"end":133.155,"sentiment":"neutral","sentiment_score":0.33010531465212506}],"sentiment":"neutral","sentiment_score":0.16135433139279484,"num_words":40,"start":123.01,"end":133.155},{"sentences":[{"text":"Fantastic.","start":135.135,"end":135.635,"sentiment":"positive","sentiment_score":0.7216135859489441},{"text":"And just to do a really quick security check there for you as well, just because we are discussing your personal information, I'll just get you to confirm your full name, your date of birth, and address I should have on file there for you.","start":135.775,"end":146.85,"sentiment":"neutral","sentiment_score":0.20653973354233635},{"text":"Yep.","start":148.67,"end":149.17,"sentiment":"neutral","sentiment_score":0.030942827463150024},{"text":"Yep.","start":150.59,"end":151.035,"sentiment":"neutral","sentiment_score":0.039746202528476715},{"text":"Yep.","start":154.63501,"end":154.955,"sentiment":"neutral","sentiment_score":0.15595442056655884}],"sentiment":"neutral","sentiment_score":0.2090315315492299,"num_words":49,"start":135.135,"end":154.955},{"sentences":[{"text":"Beautiful.","start":154.955,"end":155.455,"sentiment":"positive","sentiment_score":0.6121885180473328},{"text":"That yeah.","start":158.075,"end":159.035,"sentiment":"positive","sentiment_score":0.35171085596084595},{"text":"That's everything.","start":159.035,"end":159.755,"sentiment":"positive","sentiment_score":0.48322534561157227},{"text":"You did well.","start":159.755,"end":160.395,"sentiment":"positive","sentiment_score":0.7119748592376709},{"text":"Thank you so much for that.","start":160.395,"end":161.85501,"sentiment":"positive","sentiment_score":0.8084621528784434}],"sentiment":"positive","sentiment_score":0.6620541725839887,"num_words":14,"start":154.955,"end":161.85501},{"sentences":[{"text":"All good.","start":161.99501,"end":162.735,"sentiment":"positive","sentiment_score":0.6710627377033234},{"text":"I have to send the email through to you, so it will be there when you get time to review the document.","start":163.27501,"end":167.85,"sentiment":"neutral","sentiment_score":0.16419986296783795},{"text":"Essentially, it's an updated statement of advice.","start":168.39,"end":170.39,"sentiment":"neutral","sentiment_score":0.0843960674745696},{"text":"So I had sort of noted after reviewing your file, after your annual review, that it says that it has been for underperforming investment.","start":170.39,"end":177.35,"sentiment":"neutral","sentiment_score":-0.0007498546037822962},{"text":"So I went back and looked at your super investments you had and looked at updating your portfolio so that things are working harder for you, that you're in the best performing portfolio.","start":177.35,"end":186.875,"sentiment":"neutral","sentiment_score":0.10011841729283333}],"sentiment":"neutral","sentiment_score":0.10035461583174765,"num_words":88,"start":161.99501,"end":186.875},{"sentences":[{"text":"But I was also able to save you a little bit in fees as well to reduce the cost the running cost of your super fund to make it a bit cheaper for you.","start":186.935,"end":195.99,"sentiment":"neutral","sentiment_score":0.2665228852454354},{"text":"Okay?","start":195.99,"end":196.49,"sentiment":"neutral","sentiment_score":0.07519468665122986},{"text":"Excellent.","start":198.47,"end":198.97,"sentiment":"positive","sentiment_score":0.4184890389442444},{"text":"Essentially, with the advice piece on the very front, you'll notice it has been prepared for yourself as of today's date.","start":199.91,"end":205.91,"sentiment":"neutral","sentiment_score":0.15962945350578853},{"text":"We date it for the date on the of the presentation, which is today because all of our advice is valid for sixty days.","start":205.91,"end":211.95499,"sentiment":"neutral","sentiment_score":0.115354691632092}],"sentiment":"neutral","sentiment_score":0.19353324625595117,"num_words":81,"start":186.935,"end":211.95499},{"sentences":[{"text":"On the bottom of the front page, it's also got my registration and license information.","start":212.495,"end":216.595,"sentiment":"neutral","sentiment_score":0.07783875813086828},{"text":"So I'm a licensed financial adviser, and my registration with ASIC is 1304394.","start":216.655,"end":222.435,"sentiment":"neutral","sentiment_score":0.06669201214726155},{"text":"Simply, I've scoped in superannuation and the investments within.","start":224.14,"end":227.6,"sentiment":"neutral","sentiment_score":0.054355808430247836},{"text":"Essentially, when we sort of spoke last time, your goal was that you were looking to sort of have your super working harder.","start":228.06,"end":233.66,"sentiment":"neutral","sentiment_score":0.04424637248334677},{"text":"You're hoping to reduce hours and hopefully access the age pension and retire around about age 67, if not a little bit after.","start":233.66,"end":241.17499,"sentiment":"neutral","sentiment_score":0.09394253417849541}],"sentiment":"neutral","sentiment_score":0.0687002970960485,"num_words":83,"start":212.495,"end":241.17499},{"sentences":[{"text":"Is that still sort of your goal?","start":241.31499,"end":242.995,"sentiment":"neutral","sentiment_score":0.05776780803820917},{"text":"Are you still sort of on track for wanting that, or do you think your goal might have changed since then?","start":242.995,"end":247.495,"sentiment":"neutral","sentiment_score":0.04136922990991956},{"text":"Yep.","start":250.435,"end":250.86,"sentiment":"neutral","sentiment_score":0.2889420986175537},{"text":"Beautiful.","start":251.1,"end":251.6,"sentiment":"positive","sentiment_score":0.726806640625},{"text":"I've also scoped the estate planning side of things as well.","start":252.62,"end":255.66,"sentiment":"positive","sentiment_score":0.34378498792648315}],"sentiment":"neutral","sentiment_score":0.14806127050755227,"num_words":41,"start":241.31499,"end":255.66},{"sentences":[{"text":"So you we didn't have a beneficiary nomination on file, so it is really important that we do have a beneficiary updated for you.","start":255.66,"end":263.2,"sentiment":"neutral","sentiment_score":0.1810406749136746},{"text":"My team will send it to you, and we can please fill it if you'd like assistance with that as well.","start":263.26,"end":268.07498,"sentiment":"neutral","sentiment_score":0.2740840670608339},{"text":"Your goal for your estate planning was that you wanted to have your wife and super paid out 50% to your wife, Samantha, 25% to each of your children in in the event that something was to happen to you.","start":268.07498,"end":279.055,"sentiment":"neutral","sentiment_score":0.2863962255418301},{"text":"So at the moment, without having a beneficiary on file, it simply means that if you were to pass away currently, your state and your life proceeds are paid are sent to your estate.","start":279.46,"end":290.18,"sentiment":"neutral","sentiment_score":0.07311314804589047},{"text":"They have to go through their own probate process.","start":290.18,"end":292.36,"sentiment":"neutral","sentiment_score":0.06863589046729936}],"sentiment":"neutral","sentiment_score":0.19265750527847558,"num_words":128,"start":255.66,"end":292.36},{"sentences":[{"text":"So at least having your beneficiary on file and having it all up to date means that your wife can come and claim the benefit through us, that we can help her to receive the funds, and it's a much quicker, more streamlined process for them to go through.","start":293.075,"end":307.015,"sentiment":"positive","sentiment_score":0.4303277168346911},{"text":"I am recommending with your beneficiary, we nominate it as a binding non lasting beneficiary nomination.","start":307.86002,"end":313.64,"sentiment":"positive","sentiment_score":0.34674052707850933},{"text":"That means we'll get you to fill the format once.","start":314.1,"end":316.68,"sentiment":"neutral","sentiment_score":0.3016055718064308},{"text":"We'll put it on file.","start":316.74,"end":318.04,"sentiment":"neutral","sentiment_score":0.23947410583496093},{"text":"I'll check it with you on a regular basis, and you'll never have to fill out another nomination unless you choose to revoke or change the beneficiary on file.","start":318.34,"end":326.935,"sentiment":"neutral","sentiment_score":0.21652685465483829}],"sentiment":"positive","sentiment_score":0.3406111155081233,"num_words":109,"start":293.075,"end":326.935},{"sentences":[{"text":"Does that make sense?","start":326.995,"end":328.13498,"sentiment":"neutral","sentiment_score":0.15351213328540325},{"text":"Yeah.","start":329.555,"end":330.03497,"sentiment":"neutral","sentiment_score":0.22213558852672577},{"text":"Beautiful.","start":330.03497,"end":330.53497,"sentiment":"positive","sentiment_score":0.5286442637443542},{"text":"I'm also recommending that you do speak to a solicitor and have a will and power of attorney set up, not just for yourself, but your family as well.","start":330.995,"end":338.28,"sentiment":"neutral","sentiment_score":0.27947920971903306},{"text":"So just making sure that these sort of things are done.","start":338.28,"end":340.78,"sentiment":"neutral","sentiment_score":0.2560389367016879}],"sentiment":"neutral","sentiment_score":0.2670902993692004,"num_words":46,"start":326.995,"end":340.78},{"sentences":[{"text":"If in the event that something happens to you, even well, having your beneficiaries on file, a will and a power of attorney sort of looks after all the other side of things.","start":341.0,"end":349.88,"sentiment":"neutral","sentiment_score":0.18122833583391074},{"text":"The will correlate everything.","start":349.88,"end":351.515,"sentiment":"neutral","sentiment_score":0.21742574125528336},{"text":"You've worked so hard for your savings, your car, all those other bits and pieces you have.","start":351.655,"end":356.075,"sentiment":"neutral","sentiment_score":0.29877692198052125},{"text":"And the power of attorney allows you to nominate someone who can make decisions on your behalf in the event that you're incapacitated or not able to make those decisions.","start":356.295,"end":365.07,"sentiment":"neutral","sentiment_score":0.23441025763750076},{"text":"Okay.","start":367.71002,"end":367.95,"sentiment":"neutral","sentiment_score":0.2682914733886719}],"sentiment":"neutral","sentiment_score":0.2262358226320323,"num_words":85,"start":341.0,"end":367.95},{"sentences":[{"text":"Excellent.","start":367.95,"end":368.45,"sentiment":"positive","sentiment_score":0.6002303957939148},{"text":"Because I'm looking at super, we're not making any changes to your insurances at all.","start":369.07,"end":373.23,"sentiment":"neutral","sentiment_score":0.05134073023994764},{"text":"However, I have what's called limited scope the the insurances in.","start":373.23,"end":376.99002,"sentiment":"neutral","sentiment_score":0.022075378251346676},{"text":"So because I've looked at your super and your insurances are paid out of your super funds, they do have an effect long term on your retirement income stream and your retirement figure.","start":376.99002,"end":387.14502,"sentiment":"neutral","sentiment_score":0.10038676507996791},{"text":"So I've spoken into a limited scope just now.","start":387.445,"end":389.685,"sentiment":"neutral","sentiment_score":0.03171226382255554}],"sentiment":"neutral","sentiment_score":0.0755267265536215,"num_words":69,"start":367.95,"end":389.685},{"sentences":[{"text":"We're not making any changes or recommendations.","start":389.685,"end":391.785,"sentiment":"neutral","sentiment_score":-0.09052528068423271},{"text":"You are happy with the level of cover you have.","start":392.005,"end":394.42502,"sentiment":"neutral","sentiment_score":0.21258510798215866},{"text":"We just need to make sure we factor those into any projections that we essentially do up for you.","start":395.27,"end":401.83,"sentiment":"neutral","sentiment_score":0.12434551119804382},{"text":"Okay?","start":401.83,"end":402.33,"sentiment":"neutral","sentiment_score":0.07610142230987549},{"text":"We've also spaced out a few additional areas.","start":404.07,"end":406.31,"sentiment":"neutral","sentiment_score":0.06320633552968502}],"sentiment":"neutral","sentiment_score":0.09858868742982546,"num_words":45,"start":389.685,"end":406.31},{"sentences":[{"text":"If you don't have income protection and trauma.","start":406.31,"end":408.095,"sentiment":"neutral","sentiment_score":0.029048379510641098},{"text":"We're happy not to worry about obtaining those at the moment.","start":408.095,"end":410.975,"sentiment":"neutral","sentiment_score":0.2160386104475368},{"text":"If you decide to down the track, you can let me know, and we can have that conversation.","start":410.975,"end":414.515,"sentiment":"neutral","sentiment_score":0.1443676683637831},{"text":"I've scoped out retirement at the moment.","start":415.375,"end":417.295,"sentiment":"neutral","sentiment_score":0.04202593729964325},{"text":"So you're not you're getting there.","start":417.295,"end":419.535,"sentiment":"neutral","sentiment_score":0.009917739274290701}],"sentiment":"neutral","sentiment_score":0.11122235556598753,"num_words":50,"start":406.31,"end":419.535},{"sentences":[{"text":"You still got another you know, a bit over ten years ahead of you before you've accessed super currently.","start":419.535,"end":424.31,"sentiment":"neutral","sentiment_score":0.022050262575871067},{"text":"It's a sixteen year time horizon, so we're not looking at the drawdown side of things as of yet, but we will do as you get closer.","start":424.31,"end":431.11002,"sentiment":"neutral","sentiment_score":0.02304358642410349},{"text":"And when you get to retirement, I'll not only look at how to access your super, how to draw things down, but I'll also factor in for you and any other area that you need to assist merger time it is.","start":431.11002,"end":442.895,"sentiment":"neutral","sentiment_score":0.07411431939136691},{"text":"Okay.","start":442.955,"end":443.455,"sentiment":"neutral","sentiment_score":0.05618692189455032},{"text":"You also had a cruise plan to Vanuatu.","start":445.275,"end":447.935,"sentiment":"neutral","sentiment_score":0.06677123112604022}],"sentiment":"neutral","sentiment_score":0.048647663420221456,"num_words":96,"start":419.535,"end":447.935},{"sentences":[{"text":"Did you take that already, or was that coming up still?","start":448.47498,"end":451.375,"sentiment":"neutral","sentiment_score":0.031674967062744225},{"text":"Eight weeks ago.","start":454.29,"end":455.41,"sentiment":"neutral","sentiment_score":0.022484426697095234},{"text":"Oh, I'm so excited for you.","start":455.41,"end":457.59,"sentiment":"positive","sentiment_score":0.5932740767796835},{"text":"Can't wait.","start":457.97,"end":458.71,"sentiment":"positive","sentiment_score":0.47760871052742004},{"text":"Countdown is on.","start":460.28998,"end":461.66998,"sentiment":"neutral","sentiment_score":0.13421005258957544}],"sentiment":"neutral","sentiment_score":0.21333479829132557,"num_words":25,"start":448.47498,"end":461.66998},{"sentences":[{"text":"I love it.","start":469.105,"end":469.905,"sentiment":"positive","sentiment_score":0.694270928700765},{"text":"I hope you have the best time.","start":469.905,"end":471.825,"sentiment":"positive","sentiment_score":0.6882611768586295},{"text":"I'm so excited for you.","start":471.825,"end":473.525,"sentiment":"positive","sentiment_score":0.7489652037620544},{"text":"Fantastic.","start":480.00998,"end":480.50998,"sentiment":"positive","sentiment_score":0.6386095285415649},{"text":"Excellent.","start":481.21,"end":481.71,"sentiment":"positive","sentiment_score":0.6059161424636841}],"sentiment":"positive","sentiment_score":0.6994113361134249,"num_words":17,"start":469.105,"end":481.71},{"sentences":[{"text":"Excellent.","start":481.93,"end":482.33,"sentiment":"neutral","sentiment_score":0.04214325547218323},{"text":"When you come back, I'll have a review ready for you, and we'll I'll be asking you how it was, where you went, what you did so I you can tell me where to go next time on my holiday.","start":482.33,"end":492.27,"sentiment":"neutral","sentiment_score":0.1827080374583602},{"text":"All good.","start":495.275,"end":496.015,"sentiment":"positive","sentiment_score":0.6448124051094055},{"text":"So with the super with the recommendations there, I am making a recommendation that we retain your hub twenty four super account.","start":497.275,"end":503.355,"sentiment":"neutral","sentiment_score":0.20104683190584183},{"text":"I do go back and review the super when I am reviewing things like this just to make sure that you are in the best fund.","start":503.355,"end":509.135,"sentiment":"neutral","sentiment_score":0.2387200571023501}],"sentiment":"neutral","sentiment_score":0.21175649835840687,"num_words":91,"start":481.93,"end":509.135},{"sentences":[{"text":"Essentially, if we had have looked at moving you into any other fund, we would have been triggering a much bigger CDT cost to your super fund.","start":509.93,"end":517.47,"sentiment":"neutral","sentiment_score":-0.29076471814402827},{"text":"So believe it or not, you do your tax return every year, but so does your super fund.","start":518.01,"end":522.57,"sentiment":"neutral","sentiment_score":-0.0944832544773817},{"text":"So your super does a tax return every year.","start":522.57,"end":525.145,"sentiment":"neutral","sentiment_score":-0.010508762465582954},{"text":"It pays income tax and capital gains tax on on the inside of things there.","start":525.145,"end":530.125,"sentiment":"neutral","sentiment_score":-0.022140278667211532},{"text":"And if I had a book to sell down your total portfolio and move you to another fund, we would have been triggering a capital gains tax of just over $7,900.","start":530.34503,"end":539.78,"sentiment":"neutral","sentiment_score":-0.2797140142609996}],"sentiment":"neutral","sentiment_score":-0.18649163454771042,"num_words":100,"start":509.93,"end":539.78},{"sentences":[{"text":"So in the interest of keeping your super working harder, I didn't wanna trigger as big a capital gains tax, and HubSpot is not a bad platform.","start":540.16003,"end":548.0,"sentiment":"neutral","sentiment_score":0.043235589370683385},{"text":"There's lots of benefits to it.","start":548.0,"end":549.76,"sentiment":"positive","sentiment_score":0.6399335364500681},{"text":"It has the most amount of investments available within an adviser platform, and it means that we can switch investments in a more tax effective way and make sure things keep working harder for you at the same time.","start":549.76,"end":561.59503,"sentiment":"positive","sentiment_score":0.4447364799487285},{"text":"So I'm recommending that we switch your investments over.","start":562.85504,"end":566.155,"sentiment":"neutral","sentiment_score":0.024205699976947572},{"text":"Essentially, one of the ones that was underperforming very heavily when we sort of last saw that was Benelow Australian equity.","start":566.45996,"end":572.48,"sentiment":"neutral","sentiment_score":-0.2061016864719845}],"sentiment":"neutral","sentiment_score":0.17883726209402084,"num_words":102,"start":540.16003,"end":572.48},{"sentences":[{"text":"We wanted to look at removing that completely out of your portfolio, but we also wanted to make some changes.","start":573.01996,"end":578.69995,"sentiment":"neutral","sentiment_score":-0.11983102150261402},{"text":"So I'm looking to also move out the bank hybrid just because the government governments are looking to essentially remove these as an investment price down the track.","start":578.69995,"end":589.425,"sentiment":"neutral","sentiment_score":-0.030029134093118564},{"text":"So whilst I'm making changes to your portfolio now, we'll look to remove those as well.","start":589.425,"end":593.925,"sentiment":"neutral","sentiment_score":0.007417687427732743},{"text":"I'm also gonna move the the global agriculture in there as well.","start":594.62,"end":598.7,"sentiment":"neutral","sentiment_score":0.10922378363708656},{"text":"So it's not a bad investment, but it hasn't really been performing as well as late.","start":598.7,"end":602.54,"sentiment":"neutral","sentiment_score":0.004557476611807942}],"sentiment":"neutral","sentiment_score":-0.018860306047629463,"num_words":92,"start":573.01996,"end":602.54},{"sentences":[{"text":"So we wanna see remove that and replace it for you.","start":602.54,"end":605.83997,"sentiment":"neutral","sentiment_score":0.040944156321612274},{"text":"Aside from removing those couple of investments, we're also gonna remove the ClearBridge infrastructure income fund.","start":606.06,"end":612.71497,"sentiment":"neutral","sentiment_score":-0.07500834739767015},{"text":"So infrastructure has had a bit of a downtime recently, especially with the changes that are happening within the government and the property side of things.","start":612.935,"end":621.42,"sentiment":"neutral","sentiment_score":-0.2778958947612689},{"text":"So I wanted to remove that for you as well and replace it with something better performing.","start":621.42,"end":625.76,"sentiment":"neutral","sentiment_score":-0.11920148572501015},{"text":"I'm going to rebalance your portfolio a little bit as well.","start":627.66,"end":630.86,"sentiment":"neutral","sentiment_score":0.23435687612403522}],"sentiment":"neutral","sentiment_score":-0.09164865089603412,"num_words":81,"start":602.54,"end":630.86},{"sentences":[{"text":"So you've got physical gold, which is doing very, very well.","start":630.86,"end":634.38,"sentiment":"neutral","sentiment_score":0.276470577174967},{"text":"We all love a bit of physical gold.","start":634.38,"end":635.98,"sentiment":"positive","sentiment_score":0.350387305021286},{"text":"It has had its ups and downs this year, but it has overall been performing nicely.","start":635.98,"end":639.855,"sentiment":"neutral","sentiment_score":0.24559555295854807},{"text":"You're a little bit overexposed at the moment in your portfolio.","start":640.39496,"end":643.21497,"sentiment":"neutral","sentiment_score":-0.2705677788365971},{"text":"We only wanna hold about 8%.","start":643.355,"end":645.295,"sentiment":"neutral","sentiment_score":-0.1536568229397138}],"sentiment":"neutral","sentiment_score":0.11299263714597775,"num_words":52,"start":630.86,"end":645.295},{"sentences":[{"text":"You've got about 14 at the moment.","start":645.435,"end":647.115,"sentiment":"neutral","sentiment_score":-0.12910009281975882},{"text":"So I'm just gonna sell some of the physical gold and redistribute the growth into other areas for you to keep your portfolio moving and working.","start":647.115,"end":655.42,"sentiment":"neutral","sentiment_score":0.17519704682322648},{"text":"You've also got some cybersecurity.","start":656.36,"end":657.82,"sentiment":"neutral","sentiment_score":0.06761726960539818},{"text":"We only wanna hold about 5%, so I'm gonna sell a little bit of cybersecurity and essentially re balance your portfolio there.","start":658.6,"end":666.395,"sentiment":"neutral","sentiment_score":0.10153487443246624},{"text":"You've also got the S and P 500 and US equities, whilst the ups and downs have actually been doing very well.","start":666.695,"end":673.435,"sentiment":"neutral","sentiment_score":0.15295372988012704}],"sentiment":"neutral","sentiment_score":0.11692997817767829,"num_words":82,"start":645.435,"end":673.435},{"sentences":[{"text":"You're sitting at about 28%.","start":673.735,"end":675.575,"sentiment":"neutral","sentiment_score":0.03883947506546974},{"text":"I only wanna hold 20%, so I'm gonna sell some of those off as well and just rebalance you back a little bit.","start":675.575,"end":681.2,"sentiment":"neutral","sentiment_score":0.06197563234878623},{"text":"We've also got the beta shares Raffi 200.","start":681.98004,"end":685.66003,"sentiment":"neutral","sentiment_score":0.10059913620352745},{"text":"So this is tracking some of the top 200 companies on Australia by waiting.","start":685.66003,"end":689.60004,"sentiment":"neutral","sentiment_score":0.13761872638549125},{"text":"And, essentially, we wanna hold 15%.","start":690.22003,"end":692.94,"sentiment":"neutral","sentiment_score":0.08035576964418094}],"sentiment":"neutral","sentiment_score":0.08630762136142169,"num_words":56,"start":673.735,"end":692.94},{"sentences":[{"text":"You've got 17% there at the moment.","start":692.94,"end":695.155,"sentiment":"neutral","sentiment_score":0.054637214967182705},{"text":"We're selling some of that off to rebalance you back a little bit as well.","start":695.155,"end":698.53503,"sentiment":"neutral","sentiment_score":0.05046584705511729},{"text":"Aside from making those changes, we're going to buy into the India quality ETF because India has seen some great some great growth this year and is also expected provide greater growth down the track.","start":700.195,"end":711.51996,"sentiment":"neutral","sentiment_score":0.29297773199422017},{"text":"We wanna hold 5% of the India investment.","start":711.51996,"end":714.18,"sentiment":"neutral","sentiment_score":0.2006561029702425},{"text":"We wanna hold 4% in global health care, so giving you global exposure to health care.","start":714.72,"end":720.26,"sentiment":"neutral","sentiment_score":0.19680378772318363}],"sentiment":"neutral","sentiment_score":0.1993552871324398,"num_words":81,"start":692.94,"end":720.26},{"sentences":[{"text":"To replace the standalone Australian equity, which is underperforming, I'm gonna hold the the the beta share of a 200.","start":720.8,"end":728.485,"sentiment":"neutral","sentiment_score":0.053635890036821364},{"text":"So it's giving you more exposure to 200 companies on the ASX, and is that that along with the RAP is essentially giving you much greater exposure, and it's giving you more diversification into the Australian market as well.","start":728.485,"end":742.14996,"sentiment":"positive","sentiment_score":0.5111380517482758},{"text":"We're also gonna hold the JPMorgan Global Enhanced Research Equity Fund.","start":743.81,"end":749.41,"sentiment":"neutral","sentiment_score":0.3192710050127723},{"text":"This is just giving you global exposure to equities across the entire globe and utilizing JPMorgan's research team to be able to work out where they buy and sell.","start":749.41,"end":759.935,"sentiment":"positive","sentiment_score":0.42760419948347683},{"text":"It's giving you a little bit of active management in your portfolio currently, so we'll hold 15%.","start":759.935,"end":764.915,"sentiment":"positive","sentiment_score":0.49060328743037057}],"sentiment":"positive","sentiment_score":0.3901712115982483,"num_words":116,"start":720.8,"end":764.915},{"sentences":[{"text":"And because we still want to you're in that growth environment there, which is about eighty twenty split between gross defensive investments, we still wanna hold some low risk defensive investments like cash and bonds.","start":765.69,"end":777.15,"sentiment":"neutral","sentiment_score":0.29985559369836534},{"text":"So we're gonna buy in to the iShares yield plus, which is giving you high interest income and also the core composite bond.","start":777.61,"end":786.08496,"sentiment":"positive","sentiment_score":0.36632263790006225},{"text":"So bonds are also more of a defensive investment holding them.","start":786.08496,"end":790.005,"sentiment":"neutral","sentiment_score":0.22392145476557992},{"text":"They help to produce income.","start":790.005,"end":791.545,"sentiment":"neutral","sentiment_score":0.2793534964323044},{"text":"Income from these sorts of investments is paid into your cash account and reinvested into your portfolio for compounding.","start":791.605,"end":797.68,"sentiment":"neutral","sentiment_score":0.3147804392011542}],"sentiment":"neutral","sentiment_score":0.30925912129622635,"num_words":93,"start":765.69,"end":797.68},{"sentences":[{"text":"That is a a lot, and I fully get that when you're not looking at the document.","start":798.3,"end":802.24,"sentiment":"neutral","sentiment_score":0.2839860258733525},{"text":"Do you have any questions at the moment?","start":802.7,"end":804.86,"sentiment":"neutral","sentiment_score":0.028416508343070745},{"text":"I'm sorry, Lyle.","start":804.86,"end":805.84,"sentiment":"neutral","sentiment_score":-0.08258720735708873},{"text":"Yeah.","start":812.995,"end":813.495,"sentiment":"neutral","sentiment_score":0.009463051334023476},{"text":"When you look at that when you look at the document on page 19 there, you'll see I've got some red and green.","start":813.635,"end":818.935,"sentiment":"neutral","sentiment_score":0.04784874763825665}],"sentiment":"neutral","sentiment_score":0.1137945602218119,"num_words":52,"start":798.3,"end":818.935},{"sentences":[{"text":"Anything in the red, we're gonna be selling off, and anything in the green, we're gonna be purchasing.","start":819.075,"end":823.255,"sentiment":"neutral","sentiment_score":0.129938172797362},{"text":"And the last column is your target balance.","start":823.64,"end":825.88,"sentiment":"neutral","sentiment_score":0.15239794459193945},{"text":"It shows you what we're gonna end up once we've made those changes there for you.","start":825.88,"end":830.04,"sentiment":"neutral","sentiment_score":0.21425305306911469},{"text":"Okay?","start":830.04,"end":830.54,"sentiment":"neutral","sentiment_score":0.08803025633096695},{"text":"One of the reasons I have to make the changes in the portfolio is that the newer portfolio has shown greater past performance.","start":832.84,"end":839.34,"sentiment":"neutral","sentiment_score":0.11410623367713846}],"sentiment":"neutral","sentiment_score":0.14694838101665178,"num_words":66,"start":819.075,"end":839.34},{"sentences":[{"text":"So in your current growth portfolio, when you sort of look at how it's been performing over the past five years, it's actually about 9.63%, which isn't bad, but the newer portfolio overall has averaged 10.53%.","start":840.01495,"end":853.295,"sentiment":"neutral","sentiment_score":0.2004709297584163},{"text":"So, realistically, we wanna be in the in a portfolio that's been performing greater because it gives you greater potential growth in the future.","start":853.295,"end":860.95,"sentiment":"positive","sentiment_score":0.44660249911248684},{"text":"There's no change to your contributions or anything there.","start":862.21,"end":864.69,"sentiment":"neutral","sentiment_score":0.19030973315238953},{"text":"And as I kinda mentioned before, there are CGT impact for being able to change your portfolio.","start":864.69,"end":870.40497,"sentiment":"neutral","sentiment_score":0.1577657789868467},{"text":"So in order to make these changes here, I have with the recent, and we estimate your your super funds will pay CGT of $710.","start":871.105,"end":880.46497,"sentiment":"neutral","sentiment_score":0.14794414579868317}],"sentiment":"neutral","sentiment_score":0.23449390032538422,"num_words":111,"start":840.01495,"end":880.46497},{"sentences":[{"text":"So in order to make these changes, it's only a small $710 CGT bill for your super fund to take care of, and then you'll be in a much more greater performing fund.","start":880.46497,"end":892.06,"sentiment":"positive","sentiment_score":0.394808365540071},{"text":"When it comes to the fees, as I kinda mentioned before, this portfolio is a bit cheaper.","start":892.68,"end":898.215,"sentiment":"positive","sentiment_score":0.4738429802305558},{"text":"It's actually gonna save you for the first year about $544 in investment fees.","start":898.275,"end":903.715,"sentiment":"positive","sentiment_score":0.5641310619456428},{"text":"So this portfolio performs much greater over the longer term.","start":903.715,"end":907.56,"sentiment":"positive","sentiment_score":0.761041522026062},{"text":"It's cheaper for you, and it's also providing you with greater diversification while keeping your asset allocation in the right sort of area.","start":907.72,"end":915.26,"sentiment":"positive","sentiment_score":0.6490078853524249}],"sentiment":"positive","sentiment_score":0.5311282286324452,"num_words":97,"start":880.46497,"end":915.26},{"sentences":[{"text":"So all in all, I kinda weighed up the options, and this is the best way to go to make sure that things are updated, that we're removing any underperforming investments, and that we're keeping your super working harder for you over the longer term.","start":915.4,"end":927.615,"sentiment":"neutral","sentiment_score":0.29757201853725646},{"text":"Does that make sense?","start":928.075,"end":929.035,"sentiment":"neutral","sentiment_score":0.08875558897852898},{"text":"Do you have any questions?","start":929.035,"end":930.175,"sentiment":"neutral","sentiment_score":0.019316197745501994},{"text":"No?","start":932.795,"end":933.295,"sentiment":"neutral","sentiment_score":-0.025454917922616005},{"text":"All good.","start":935.15,"end":935.79004,"sentiment":"neutral","sentiment_score":0.1807749941945076}],"sentiment":"neutral","sentiment_score":0.24874454823306255,"num_words":57,"start":915.4,"end":935.79004},{"sentences":[{"text":"All good.","start":935.79004,"end":936.59,"sentiment":"neutral","sentiment_score":0.1879514902830124},{"text":"That is essentially the bulk of the recommendations, the only other one there as I've collected before with the beneficiary nominations.","start":936.59,"end":943.09,"sentiment":"neutral","sentiment_score":0.15141987126497997},{"text":"So what I'll get you to do is you're welcome to have a bit of a range of the document there when you do get some time.","start":943.47003,"end":949.25,"sentiment":"neutral","sentiment_score":0.22244737876786125},{"text":"If you find you have any questions, please do let me know.","start":949.625,"end":952.505,"sentiment":"neutral","sentiment_score":0.1103184875100851},{"text":"I do outline more around the advantages, the disadvantages, and the risks involved.","start":952.505,"end":956.925,"sentiment":"neutral","sentiment_score":0.13720394756931525}],"sentiment":"neutral","sentiment_score":0.16892363563179968,"num_words":75,"start":935.79004,"end":956.925},{"sentences":[{"text":"And if you, you know, come back with any questions, I'll make time to answer them.","start":957.945,"end":961.83,"sentiment":"neutral","sentiment_score":0.23232068493962288},{"text":"If you raise your hand, you decide you're happy just to take the recommendations on board, I'll get you to sign the document and return it back there for me just so we can have those updates made, have the investment switch completed nice and quick for you so you can benefit from that long term.","start":961.91003,"end":976.925,"sentiment":"positive","sentiment_score":0.49620077652590616},{"text":"And then we wanna make sure that we do review that with you regularly.","start":977.305,"end":980.52496,"sentiment":"neutral","sentiment_score":0.1520183219441346},{"text":"I'm so sorry.","start":980.745,"end":981.64496,"sentiment":"neutral","sentiment_score":-0.11376321812470754},{"text":"Oh, did you?","start":987.81995,"end":988.8,"sentiment":"neutral","sentiment_score":0.0036235996522009373}],"sentiment":"positive","sentiment_score":0.3619805662639682,"num_words":92,"start":957.945,"end":988.8},{"sentences":[{"text":"You probably saw them already.","start":989.01996,"end":990.54,"sentiment":"neutral","sentiment_score":-0.004805381968617439},{"text":"I'm sorry.","start":990.54,"end":990.86,"sentiment":"neutral","sentiment_score":-0.05008176900446415},{"text":"I'm not even looking at my email.","start":990.86,"end":992.39996,"sentiment":"neutral","sentiment_score":-0.09880513697862625},{"text":"There you go.","start":993.18,"end":994.07996,"sentiment":"neutral","sentiment_score":0.0022019284466902414},{"text":"You have done.","start":994.54,"end":995.81995,"sentiment":"neutral","sentiment_score":0.0778990959127744}],"sentiment":"neutral","sentiment_score":-0.028776166681200265,"num_words":20,"start":989.01996,"end":995.81995},{"sentences":[{"text":"It looks like yeah.","start":995.81995,"end":998.13995,"sentiment":"neutral","sentiment_score":0.12674769386649132},{"text":"You have signed it.","start":998.13995,"end":999.1,"sentiment":"neutral","sentiment_score":0.19092760980129242},{"text":"All good.","start":999.1,"end":999.57996,"sentiment":"positive","sentiment_score":0.48895516991615295},{"text":"Did you want me to email it to you as well?","start":999.57996,"end":1002.3762,"sentiment":"neutral","sentiment_score":0.1492096185684204},{"text":"Do you do have a copy to run your eyes over?","start":1002.3762,"end":1006.6707,"sentiment":"neutral","sentiment_score":0.05073378776962107}],"sentiment":"neutral","sentiment_score":0.13899965700693429,"num_words":32,"start":995.81995,"end":1006.6707},{"sentences":[{"text":"I'm so sorry, La.","start":1006.6707,"end":1008.2323,"sentiment":"neutral","sentiment_score":-0.057584019377827644},{"text":"I missed that.","start":1008.2323,"end":1009.40356,"sentiment":"neutral","sentiment_score":-0.08733151108026505},{"text":"Can I get you to repeat that for me?","start":1009.40356,"end":1012.9172,"sentiment":"neutral","sentiment_score":-0.00008071648577849071},{"text":"All good.","start":1012.9172,"end":1013.698,"sentiment":"neutral","sentiment_score":0.27364517748355865},{"text":"Not an issue at all.","start":1013.698,"end":1015.65,"sentiment":"neutral","sentiment_score":0.029574468731880188}],"sentiment":"neutral","sentiment_score":0.008787201717495918,"num_words":23,"start":1006.6707,"end":1015.65},{"sentences":[{"text":"The other document we did have attached there for you is your ongoing service agreement for the next twelve months.","start":1015.97003,"end":1021.01,"sentiment":"neutral","sentiment_score":0.06542275827378034},{"text":"So you are an ongoing client.","start":1021.01,"end":1022.85004,"sentiment":"neutral","sentiment_score":0.08341644952694575},{"text":"You do pay the 1.65% for our services, and that just continues for the next twelve months there.","start":1022.85004,"end":1029.01,"sentiment":"neutral","sentiment_score":0.08856839148534669},{"text":"So one of the documents that was attached to the SOA is the updated agreement for the next twelve months there as well.","start":1029.01,"end":1035.205,"sentiment":"neutral","sentiment_score":0.10134292393922806},{"text":"The the only other thing is we're not making any changes to your insurance, but we do like to make sure we're open with the remuneration, How your insurer do pay us an ongoing pre an ongoing commission of 22% of the premium.","start":1036.225,"end":1050.26,"sentiment":"neutral","sentiment_score":0.017522111654194983}],"sentiment":"neutral","sentiment_score":0.058977481464601376,"num_words":110,"start":1015.97003,"end":1050.26},{"sentences":[{"text":"It's just disclosed in the advice document for you so you're aware of that.","start":1051.04,"end":1054.64,"sentiment":"neutral","sentiment_score":0.084177576271551},{"text":"It has no effect on our recommendations or anything to do with the insurances.","start":1054.64,"end":1058.705,"sentiment":"neutral","sentiment_score":-0.023364844066756114},{"text":"It's just what we receive for writing the policy, and we just like to make sure we're open and disclose any remuneration that we receive from any of the providers.","start":1058.845,"end":1067.105,"sentiment":"neutral","sentiment_score":0.11491205369432768},{"text":"Okay?","start":1067.5651,"end":1068.0651,"sentiment":"neutral","sentiment_score":0.09510703384876253},{"text":"All good.","start":1070.38,"end":1071.04,"sentiment":"positive","sentiment_score":0.3830431252717972}],"sentiment":"neutral","sentiment_score":0.0845890679686773,"num_words":61,"start":1051.04,"end":1071.04},{"sentences":[{"text":"I'll send you in a separate email shortly with a copy of those documents so you can run your eyes over them.","start":1071.82,"end":1077.6,"sentiment":"neutral","sentiment_score":0.2232936383648352},{"text":"If you have any questions, you are always welcome to let me know.","start":1077.66,"end":1081.04,"sentiment":"neutral","sentiment_score":0.3042379720852925},{"text":"And depending on how much you enjoy reading, I've also attached the financial services guide for us and any product disclosure statement to the email that you can also download to read as well.","start":1081.58,"end":1091.825,"sentiment":"neutral","sentiment_score":0.26718446437050314},{"text":"Okay.","start":1092.0449,"end":1092.5449,"sentiment":"neutral","sentiment_score":0.018572762608528137},{"text":"That was the one that I sent literally just as you answered the phone call, but I can double check what else we got.","start":1101.74,"end":1110.7999,"sentiment":"neutral","sentiment_score":-0.09811189336081345}],"sentiment":"neutral","sentiment_score":0.16612460416682223,"num_words":94,"start":1071.82,"end":1110.7999},{"sentences":[{"text":"Yep.","start":1115.835,"end":1116.335,"sentiment":"neutral","sentiment_score":-0.06409743428230286},{"text":"Yeah.","start":1118.075,"end":1118.475,"sentiment":"neutral","sentiment_score":-0.06286031007766724},{"text":"That there was another yeah.","start":1118.475,"end":1121.4349,"sentiment":"neutral","sentiment_score":0.013485831022262574},{"text":"There was another one there with your annual review pack.","start":1121.4349,"end":1123.9149,"sentiment":"neutral","sentiment_score":0.08258920088410378},{"text":"That was from February, but you don't have to worry about signing that one because we added your ongoing service agreement to this segment of advice.","start":1123.9149,"end":1131.76,"sentiment":"neutral","sentiment_score":0.15415800248201078}],"sentiment":"neutral","sentiment_score":0.11103422056103862,"num_words":43,"start":1115.835,"end":1131.76},{"sentences":[{"text":"So that's all okay.","start":1131.76,"end":1132.7999,"sentiment":"neutral","sentiment_score":0.30885985493659973},{"text":"You've signed everything in that one document.","start":1132.7999,"end":1135.2999,"sentiment":"positive","sentiment_score":0.3936931278024401},{"text":"I try not to send too many of those over the time through, so we try to put the documents all in one to make it a bit easier on you.","start":1135.6,"end":1142.735,"sentiment":"neutral","sentiment_score":0.2675252225129835},{"text":"Otherwise, you could spend your life signing documents really, couldn't you?","start":1142.735,"end":1146.035,"sentiment":"neutral","sentiment_score":0.1705766496333209},{"text":"Oh, good.","start":1149.055,"end":1149.795,"sentiment":"neutral","sentiment_score":0.31968170404434204}],"sentiment":"neutral","sentiment_score":0.2690959957512942,"num_words":55,"start":1131.76,"end":1149.795},{"sentences":[{"text":"I wanted to make sure once we complete the switch of your investments that we do catch up with you.","start":1150.655,"end":1155.5599,"sentiment":"neutral","sentiment_score":0.2155091017484665},{"text":"I know we did have your annual review a few months back.","start":1155.5599,"end":1158.36,"sentiment":"neutral","sentiment_score":0.09896912363668282},{"text":"Would you like me to do a review with you maybe just before Christmas to see how things are tracking with the newer portfolio and just to see how things are done with you generally, or would you just like to do a catch up with me instead?","start":1158.36,"end":1170.125,"sentiment":"neutral","sentiment_score":0.09526609062838058},{"text":"You are again when after Christmas.","start":1170.125,"end":1172.445,"sentiment":"neutral","sentiment_score":0.0019781064863006272},{"text":"What would be kind of preferable for you moving forward?","start":1172.445,"end":1175.265,"sentiment":"neutral","sentiment_score":0.021404673159122468}],"sentiment":"neutral","sentiment_score":0.1072552004091752,"num_words":96,"start":1150.655,"end":1175.265},{"sentences":[{"text":"Yep.","start":1178.9249,"end":1179.325,"sentiment":"neutral","sentiment_score":0.14967826008796692},{"text":"Yep.","start":1179.325,"end":1179.645,"sentiment":"neutral","sentiment_score":0.22785602509975433},{"text":"Beautiful.","start":1179.645,"end":1180.145,"sentiment":"positive","sentiment_score":0.5461891889572144},{"text":"Wanna make sure that we do do those catch ups that, you know, we had promised over the past.","start":1180.66,"end":1184.74,"sentiment":"neutral","sentiment_score":0.2749289376171012},{"text":"So I'm making a a huge effort to make sure they all get done.","start":1184.74,"end":1188.34,"sentiment":"positive","sentiment_score":0.384641027876309}],"sentiment":"neutral","sentiment_score":0.3203429910871718,"num_words":36,"start":1178.9249,"end":1188.34},{"sentences":[{"text":"So I will put you in my calendar.","start":1188.34,"end":1190.52,"sentiment":"neutral","sentiment_score":0.1807322520762682},{"text":"My team will give you a call in early December.","start":1190.9,"end":1193.62,"sentiment":"neutral","sentiment_score":0.13832964450120927},{"text":"We'll book in a bit of a catch up prior to everyone going through Christmas break, and we'll give you an update on what's been happening with your portfolio with the changes that we're making and see if there's any new advice that needs to be provided.","start":1193.62,"end":1205.685,"sentiment":"neutral","sentiment_score":0.1575902928697302},{"text":"How does that sound?","start":1205.7451,"end":1206.805,"sentiment":"neutral","sentiment_score":0.09455718472599983},{"text":"Fantastic.","start":1209.6799,"end":1210.1799,"sentiment":"positive","sentiment_score":0.5543619394302368}],"sentiment":"neutral","sentiment_score":0.15954984149762563,"num_words":70,"start":1188.34,"end":1210.1799},{"sentences":[{"text":"All good.","start":1210.5599,"end":1211.04,"sentiment":"positive","sentiment_score":0.35437358915805817},{"text":"Are you nearly at the pub?","start":1211.04,"end":1212.5,"sentiment":"neutral","sentiment_score":0.08972576260566711},{"text":"Legend.","start":1216.32,"end":1216.82,"sentiment":"neutral","sentiment_score":0.2163745164871216},{"text":"All good.","start":1217.04,"end":1217.52,"sentiment":"neutral","sentiment_score":0.27158309519290924},{"text":"Well, I will send you a separate email from my email with those documents attached.","start":1217.52,"end":1221.62,"sentiment":"neutral","sentiment_score":0.16358254154523214}],"sentiment":"neutral","sentiment_score":0.17155309938467467,"num_words":26,"start":1210.5599,"end":1221.62},{"sentences":[{"text":"If you have any questions, please let me know.","start":1222.235,"end":1224.555,"sentiment":"neutral","sentiment_score":0.1638083060582479},{"text":"Don't hesitate to contact me, and I'll make sure we do attach up just before the Christmas break there as well.","start":1224.555,"end":1230.3351,"sentiment":"neutral","sentiment_score":0.13728542696861995},{"text":"Okay?","start":1230.395,"end":1230.895,"sentiment":"neutral","sentiment_score":0.07697020471096039},{"text":"Oh, absolutely.","start":1235.5499,"end":1236.5299,"sentiment":"neutral","sentiment_score":0.22267098724842072},{"text":"Let me go and have a quick look in there.","start":1236.99,"end":1239.49,"sentiment":"neutral","sentiment_score":0.12676314562559127}],"sentiment":"neutral","sentiment_score":0.14295842689137125,"num_words":43,"start":1222.235,"end":1239.49},{"sentences":[{"text":"It could be it'll be different to what's in the advice document because that was done the other day, and Marcus updated again this afternoon.","start":1239.87,"end":1246.59,"sentiment":"neutral","sentiment_score":-0.018557816967368124},{"text":"So I'll just pop in there quickly and grab it for you.","start":1246.59,"end":1250.105,"sentiment":"neutral","sentiment_score":0.032733087272693716},{"text":"Sorry.","start":1252.165,"end":1252.5651,"sentiment":"neutral","sentiment_score":-0.08236350119113922},{"text":"Won't be two seconds.","start":1252.5651,"end":1253.4451,"sentiment":"neutral","sentiment_score":-0.11390428617596626},{"text":"I'm just logging in.","start":1253.4451,"end":1254.745,"sentiment":"neutral","sentiment_score":-0.05736152175813913}],"sentiment":"neutral","sentiment_score":-0.018229893692161724,"num_words":46,"start":1239.87,"end":1254.745},{"sentences":[{"text":"Yeah.","start":1259.045,"end":1259.4451,"sentiment":"neutral","sentiment_score":-0.02449065074324608},{"text":"That's yeah.","start":1259.4451,"end":1267.75,"sentiment":"neutral","sentiment_score":-0.009122320916503668},{"text":"Yeah.","start":1267.89,"end":1268.29,"sentiment":"neutral","sentiment_score":0.013541290536522864},{"text":"So just after we did your annual review, that's when the peak of everything kinda hit with the markets between The US and Iran, what when Trump was doing a lot of that tweeting, that's when a lot of that the ups and downs were felt.","start":1268.29,"end":1279.965,"sentiment":"neutral","sentiment_score":-0.007649348117411137},{"text":"But sitting there as of today, your balance is now at 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you.","start":1304.885,"end":1314.8251,"sentiment":"positive","sentiment_score":0.6348285876935528},{"text":"Fantastic.","start":1319.685,"end":1320.185,"sentiment":"positive","sentiment_score":0.5758699178695679}],"sentiment":"positive","sentiment_score":0.48103530562537555,"num_words":68,"start":1289.545,"end":1320.185},{"sentences":[{"text":"Fantastic.","start":1320.96,"end":1321.46,"sentiment":"positive","sentiment_score":0.5679497718811035},{"text":"I'm excited to hear how that cruise, but you enjoy that eight weeks can't come really enough for you.","start":1322.96,"end":1328.58,"sentiment":"positive","sentiment_score":0.4406134141118903},{"text":"Yeah.","start":1334.815,"end":1335.315,"sentiment":"neutral","sentiment_score":0.2997779846191406},{"text":"Well, you have an amazing time.","start":1335.375,"end":1337.0549,"sentiment":"positive","sentiment_score":0.6919927696386973},{"text":"I'll get this switch processed, get that email out to you.","start":1337.0549,"end":1339.775,"sentiment":"positive","sentiment_score":0.406990492885763}],"sentiment":"positive","sentiment_score":0.4702167016895194,"num_words":38,"start":1320.96,"end":1339.775},{"sentences":[{"text":"My team will get the beneficiary nominations sorted and help you to have those applied, and I look forward to catching up with you in December and seeing how things are tracking.","start":1339.775,"end":1348.52,"sentiment":"positive","sentiment_score":0.41239183582365513},{"text":"Okay.","start":1348.5801,"end":1349.0801,"sentiment":"neutral","sentiment_score":0.13970565795898438},{"text":"Thank you so much for your time, Lyle.","start":1351.46,"end":1353.62,"sentiment":"positive","sentiment_score":0.6147278472781181},{"text":"I really appreciated you allowing me to run through this for you this afternoon.","start":1353.62,"end":1357.4,"sentiment":"positive","sentiment_score":0.6185404009052685},{"text":"I hope you have a good night, and I look forward to, you know, be moving forward in helping you and, yeah, implementing the advice.","start":1357.46,"end":1366.015,"sentiment":"positive","sentiment_score":0.7250780272483826}],"sentiment":"positive","sentiment_score":0.5630072934553028,"num_words":80,"start":1339.775,"end":1366.015},{"sentences":[{"text":"Enjoy your night.","start":1368.7949,"end":1369.755,"sentiment":"positive","sentiment_score":0.5633585254351298},{"text":"Enjoy your beer or two or three.","start":1369.755,"end":1371.615,"sentiment":"positive","sentiment_score":0.4560774862766266},{"text":"Have a good night.","start":1375.75,"end":1376.63,"sentiment":"positive","sentiment_score":0.6198211908340454},{"text":"Thank you so much for taking my call.","start":1376.63,"end":1378.39,"sentiment":"positive","sentiment_score":0.8722696676850319},{"text":"I truly appreciate 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No. I've had better days now. Mhmm. No. I totally. Yeah. I just finished work. I just got the text. I thought I knew there was something coming up. Meeting would you know? I just checked my phone, and I just had a smoke, and then I said, oh, shit. That's right. That's all good. I'm just gonna change in the car park because I'm going to club to go and have a drink because Well, I'm just at home from the cab. Turn the ignition on, so it comes through the blue too. Hold on. I got a rate, ma'am. Yep. Laurel Hoppy. 611 974. Hundred and 10 Road Serena. Is that all you needed? Yep. Yep. Probably around about that. Yep. Maybe on record, that should be nine, ten, a half left a guy too if I can't. Yeah. I got me money. I I I'm gonna have good times. I gotta be the money side of the whiteboard. Yep. Yep. Yep. Yep. You're alright. I'm I'm not really on the same much of it, but yeah. You're saying And I was showing some documents there before. Yeah. Yeah. You can send it to him, please. Hello? Was there was there another email? Because I've only got the ones that you want me to sign. Oh, that that was sixteen minutes ago. That must be the one that you got. I thought you had another another one. Yeah. You can probably do one around by Christmas time. That's very good, though. Yeah. Just sitting in the car park now. Could you tell me how much money have I actually got in my SuperNets? Because after I spoke to you last time, it went down a bit. Then I I I looked a few weeks ago, and it was back up from $2,272,000, I think it was. Yep. Holy moly. No. You're doing doing doing a good job with it, though. I'm very happy. Yep. Well, this this period does alright. I'll be doing a few more. I'll tell you. Oh, no. I can't wait. I'm I'm kinda well, sir. Yep. I I tried. Yep. Okay then. Yep. I will. I Nice talking to you too. Yeah. 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No. I've had better days now. Mhmm. No.\n\nI totally. Yeah. I just finished work. I just got the text. I thought I knew there was something coming up.\n\nMeeting would you know? I just checked my phone, and I just had a smoke, and then I said, oh, shit. That's right. That's all good. I'm just gonna change in the car park because I'm going to club to go and have a drink because Well, I'm just at home from the cab.\n\nTurn the ignition on, so it comes through the blue too. Hold on. I got a rate, ma'am. Yep. Laurel Hoppy.\n\n611 974. Hundred and 10 Road Serena. Is that all you needed? Yep. Yep.\n\nProbably around about that. Yep. Maybe on record, that should be nine, ten, a half left a guy too if I can't. Yeah. I got me money.\n\nI I I'm gonna have good times. I gotta be the money side of the whiteboard. Yep. Yep. Yep.\n\nYep. You're alright. I'm I'm not really on the same much of it, but yeah. You're saying And I was showing some documents there before. Yeah.\n\nYeah. You can send it to him, please. Hello? Was there was there another email? Because I've only got the ones that you want me to sign.\n\nOh, that that was sixteen minutes ago. That must be the one that you got. I thought you had another another one. Yeah. You can probably do one around by Christmas time.\n\nThat's very good, though. Yeah. Just sitting in the car park now. Could you tell me how much money have I actually got in my SuperNets? Because after I spoke to you last time, it went down a bit.\n\nThen I I I looked a few weeks ago, and it was back up from $2,272,000, I think it was. Yep. Holy moly. No. You're doing doing doing a good job with it, though.\n\nI'm very happy. Yep. Well, this this period does alright. I'll be doing a few more. I'll tell you.\n\nOh, no. I can't wait. I'm I'm kinda well, sir. Yep. I I tried.\n\nYep. Okay then. Yep. I will. I Nice talking to you too.\n\nYeah. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.56,"end":1.06,"sentiment":"neutral","sentiment_score":0.035116612911224365},{"text":"No.","start":6.56,"end":6.8799996,"sentiment":"neutral","sentiment_score":-0.17688220739364624},{"text":"I've had better days now.","start":6.8799996,"end":8.34,"sentiment":"neutral","sentiment_score":-0.11392037719488143},{"text":"Mhmm.","start":9.84,"end":10.34,"sentiment":"neutral","sentiment_score":-0.13986335694789886},{"text":"No.","start":11.84,"end":12.0,"sentiment":"neutral","sentiment_score":-0.1201794445514679}],"sentiment":"neutral","sentiment_score":-0.10793447577291065,"num_words":9,"start":0.56,"end":12.0},{"sentences":[{"text":"I totally.","start":12.0,"end":12.58,"sentiment":"neutral","sentiment_score":-0.020457694306969643},{"text":"Yeah.","start":23.395,"end":23.715,"sentiment":"neutral","sentiment_score":0.055863700807094574},{"text":"I just finished 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no.","start":1329.045,"end":1329.6051,"sentiment":"neutral","sentiment_score":0.16690143197774887},{"text":"I can't wait.","start":1329.6051,"end":1330.245,"sentiment":"neutral","sentiment_score":0.22904508312543234},{"text":"I'm I'm kinda well, sir.","start":1330.245,"end":1333.4651,"sentiment":"neutral","sentiment_score":0.2258751720190048},{"text":"Yep.","start":1344.54,"end":1345.04,"sentiment":"positive","sentiment_score":0.4081400334835053},{"text":"I I tried.","start":1349.1,"end":1350.56,"sentiment":"neutral","sentiment_score":0.14964875082174936}],"sentiment":"neutral","sentiment_score":0.2148143042411123,"num_words":14,"start":1329.045,"end":1350.56},{"sentences":[{"text":"Yep.","start":1366.72,"end":1367.12,"sentiment":"neutral","sentiment_score":0.29506567120552063},{"text":"Okay 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This is Dana from OCU Financial. How are you this afternoon?\n\nChannel 1: No. I've had better days now.\n\nChannel 0: Oh, I'm so sorry\n\nChannel 1: Mhmm.\n\nChannel 0: to hear that.\n\nChannel 1: No. I totally.\n\nChannel 0: I had to book in just to run through your updated statement of advice. I've made some updated recommendations with regards to your super new portfolio. Is now still a good time there for you?\n\nChannel 1: Yeah. I just finished work. I just got the text. I thought I knew there was something coming up. Meeting would you know?\n\nI just checked my phone, and I just had a smoke, and then I said, oh, shit. That's\n\nChannel 0: Yeah.\n\nChannel 1: right.\n\nChannel 0: Oh, that's okay. Is NASA gonna be an okay time for you? I can make it fairly quick so we don't take up too much of your time.\n\nChannel 1: That's all good. I'm just gonna change in the\n\nChannel 0: Yes.\n\nChannel 1: car park because I'm going to club to go and have a drink because\n\nChannel 0: Oh, I am so jealous of that. I still have till seven tonight. Yeah. No. That's all good.\n\nAll good. Well, I normally send the document through to your email. Oh, are you able to access your emails at the moment? If you can't, that's okay. I can run through the recommendations and let you have a look at them later.\n\nWhat would you prefer?\n\nChannel 1: Well, I'm just at home from the cab. Turn the ignition on, so it comes through the blue\n\nChannel 0: Yeah.\n\nChannel 1: too.\n\nChannel 0: Yeah. You're right.\n\nChannel 1: Hold on. I got a rate, ma'am.\n\nChannel 0: No. That's okay. If you like, what I'll do is I can run through the recommendations. I'll try to keep it as brief, but it goes through the things that I need to go through. I'll give you the advantages.\n\nI have disadvantages, risks involved, things like that. And then I'll let you go back. You can have a bit of a look at it when you've got some time ahead of you, maybe every weekend. Does that sound okay?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. All good, Lyle. Well, before we jump into the call, I do have to let you know we do record the call moving forward for training and quality purposes. Are you happy for me to proceed with that?\n\nFantastic. And just to do a really quick security check there for you as well, just because we are discussing your personal information, I'll just get you to confirm your full name, your date of birth, and address I should have on file there for you.\n\nChannel 1: Laurel Hoppy. 611\n\nChannel 0: Yep.\n\nChannel 1: 974. Hundred\n\nChannel 0: Yep.\n\nChannel 1: and 10 Road Serena.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: Is that all you needed?\n\nChannel 0: That yeah. That's everything. You did well. Thank you so much for that. All good.\n\nI have to send the email through to you, so it will be there when you get time to review the document. Essentially, it's an updated statement of advice. So I had sort of noted after reviewing your file, after your annual review, that it says that it has been for underperforming investment. So I went back and looked at your super investments you had and looked at updating your portfolio so that things are working harder for you, that you're in the best performing portfolio. But I was also able to save you a little bit in fees as well to reduce the cost the running cost of your super fund to make it a bit cheaper for you.\n\nOkay?\n\nChannel 1: Yep.\n\nChannel 0: Excellent. Essentially, with the advice piece on the very front, you'll notice it has been prepared for yourself as of today's date. We date it for the date on the of the presentation, which is today because all of our advice is valid for sixty days. On the bottom of the front page, it's also got my registration and license information. So I'm a licensed financial adviser, and my registration with ASIC is 1304394.\n\nChannel 1: Yep.\n\nChannel 0: Simply, I've scoped in superannuation and the investments within. Essentially, when we sort of spoke last time, your goal was that you were looking to sort of have your super working harder. You're hoping to reduce hours and hopefully access the age pension and retire around about age 67, if not a little bit after. Is that still sort of your goal? Are you still sort of on track for wanting that, or do you think your goal might have changed since then?\n\nChannel 1: Probably around about that.\n\nChannel 0: Yep. Beautiful. I've also scoped the estate planning side of things as well. So you we didn't have a beneficiary nomination on file, so it is really important that we do have a beneficiary updated for you. My team will send it to you, and we can please fill it if you'd like assistance with that as well.\n\nYour goal for your estate planning was that you wanted to have your wife and super paid out 50% to your wife, Samantha, 25% to each of your children in in the event that something was to happen to you. So at the moment, without having a beneficiary on file, it simply means that if you were to pass away currently, your state and your life proceeds are paid are sent to your estate. They have to go through their own probate process. So at least having your beneficiary on file and having it all up to date means that your wife can come and claim the benefit through us, that we can help her to receive the funds, and it's a much quicker, more streamlined process for them to go through. I am recommending with your beneficiary, we nominate it as a binding non lasting beneficiary nomination.\n\nThat means we'll get you to fill the format once. We'll put it on file. I'll check it with you on a regular basis, and you'll never have to fill out another nomination unless you choose to revoke or change the beneficiary on file. Does that make sense? Yeah.\n\nBeautiful. I'm also recommending that you do speak to a solicitor and have a will and power of attorney set up, not just for yourself, but your family as well. So just making sure that these sort of things are done. If in the event that something happens to you, even well, having your beneficiaries on file, a will and a power of attorney sort of looks after all the other side of things. The will correlate everything.\n\nYou've worked so hard for your savings, your car, all those other bits and pieces you have. And the power of attorney allows you to nominate someone who can make decisions on your behalf in the event that you're incapacitated or not able to make those decisions.\n\nChannel 1: Yep.\n\nChannel 0: Okay. Excellent. Because I'm looking at super, we're not making any changes to your insurances at all. However, I have what's called limited scope the the insurances in. So because I've looked at your super and your insurances are paid out of your super funds, they do have an effect long term on your retirement income stream and your retirement figure.\n\nSo I've spoken into a limited scope just now. We're not making any changes or recommendations. You are happy with the level of cover you have. We just need to make sure we factor those into any projections that we essentially do up for you. Okay?\n\nWe've also spaced out a few additional areas. If you don't have income protection and trauma. We're happy not to worry about obtaining those at the moment. If you decide to down the track, you can let me know, and we can have that conversation. I've scoped out retirement at the moment.\n\nSo you're not you're getting there. You still got another you know, a bit over ten years ahead of you before you've accessed super currently. It's a sixteen year time horizon, so we're not looking at the drawdown side of things as of yet, but we will do as you get closer. And when you get to retirement, I'll not only look at how to access your super, how to draw things down, but I'll also factor in for you and any other area that you need to assist merger time it is. Okay.\n\nYou also had a cruise plan to Vanuatu. Did you take that already, or was that coming up still? Eight weeks ago. Oh, I'm so excited for you. Can't wait.\n\nCountdown is on.\n\nChannel 1: Maybe on record, that should be nine, ten, a half left a guy too if I can't. Yeah.\n\nChannel 0: I love it. I hope you have the best time. I'm so excited for you.\n\nChannel 1: I got me money. I I I'm gonna have good times. I gotta be the money side of the whiteboard.\n\nChannel 0: Fantastic. Excellent. Excellent. When you come back, I'll have a review ready for you, and we'll I'll be asking you how it was, where you went, what you did so I you can tell me where to go next time on my holiday. All good.\n\nSo with the super with the recommendations there, I am making a recommendation that we retain your hub twenty four super account. I do go back and review the super when I am reviewing things like this just to make sure that you are in the best fund. Essentially, if we had have looked at moving you into any other fund, we would have been triggering a much bigger CDT cost to your super fund. So believe it or not, you do your tax return every year, but so does your super fund. So your super does a tax return every year.\n\nIt pays income tax and capital gains tax on on the inside of things there. And if I had a book to sell down your total portfolio and move you to another fund, we would have been triggering a capital gains tax of just over $7,900. So in the interest of keeping your super working harder, I didn't wanna trigger as big a capital gains tax, and HubSpot is not a bad platform. There's lots of benefits to it. It has the most amount of investments available within an adviser platform, and it means that we can switch investments in a more tax effective way and make sure things keep working harder for you at the same time.\n\nChannel 1: Yep.\n\nChannel 0: So I'm recommending that we switch your investments over. Essentially, one of the ones that was underperforming very heavily when we sort of last saw that was Benelow Australian equity. We wanted to look at removing that completely out of your portfolio, but we also wanted to make some changes. So I'm looking to also move out the bank hybrid just because the government governments are looking to essentially remove these as an investment price down the track. So whilst I'm making changes to your portfolio now, we'll look to remove those as well.\n\nI'm also gonna move the the global agriculture in there as well. So it's not a bad investment, but it hasn't really been performing as well as late. So we wanna see remove that and replace it for you. Aside from\n\nChannel 1: Yep.\n\nChannel 0: removing those couple of investments, we're also gonna remove the ClearBridge infrastructure income fund. So infrastructure has had a bit of a downtime recently, especially with the changes that are happening within the government and the property side of things. So I wanted to remove that for you as well and replace it with something better performing.\n\nChannel 1: Yep.\n\nChannel 0: I'm going to rebalance your portfolio a little bit as well. So you've got physical gold, which is doing very, very well. We all love a bit of physical gold. It has had its ups and downs this year, but it has overall been performing nicely. You're a little bit overexposed at the moment in your portfolio.\n\nWe only wanna hold about 8%. You've got about 14 at the moment. So I'm just gonna sell some of the physical gold and redistribute the growth into other areas for you to keep your portfolio moving and working. You've also\n\nChannel 1: Yep.\n\nChannel 0: got some cybersecurity. We only wanna hold about 5%, so I'm gonna sell a little bit of cybersecurity and essentially re balance your portfolio there. You've also got the S and P 500 and US equities, whilst the ups and downs have actually been doing very well. You're sitting at about 28%. I only wanna hold 20%, so I'm gonna sell some of those off as well and just rebalance you back a little bit.\n\nWe've also got the beta shares Raffi 200. So this is tracking some of the top 200 companies on Australia by waiting. And, essentially, we wanna hold 15%. You've got 17% there at the moment. We're selling some of that off to rebalance you back a little bit as well.\n\nAside from making those changes, we're going to buy into the India quality ETF because India has seen some great some great growth this year and is also expected provide greater growth down the track. We wanna hold 5% of the India investment. We wanna hold 4% in global health care, so giving you global exposure to health care. To replace the standalone Australian equity, which is underperforming, I'm gonna hold the the the beta share of a 200. So it's giving you more exposure to 200 companies on the ASX, and is that that along with the RAP is essentially giving you much greater exposure, and it's giving you more diversification into the Australian market as well.\n\nWe're also gonna hold the JPMorgan Global Enhanced Research Equity Fund. This is just giving you global exposure to equities across the entire globe and utilizing JPMorgan's research team to be able to work out where they buy and sell. It's giving you a little bit of active management in your portfolio currently, so we'll hold 15%. And because we still want to you're in that growth environment there, which is about eighty twenty split between gross defensive investments, we still wanna hold some low risk defensive investments like cash and bonds. So we're gonna buy in to the iShares yield plus, which is giving you high interest income and also the core composite bond.\n\nSo bonds are also more of a defensive investment holding them. They help to produce income. Income from these sorts of investments is paid into your cash account and reinvested into your portfolio for compounding. That is a a lot, and I fully get that when you're not looking at the document. Do you have any questions at the moment?\n\nI'm sorry, Lyle.\n\nChannel 1: You're alright. I'm I'm not really on the same much of it, but yeah. You're saying\n\nChannel 0: Yeah. When you look at that when you look at the document on page 19 there, you'll see I've got some red and green. Anything in the red, we're gonna be selling off, and anything in the green, we're gonna be purchasing. And the last column is your target balance. It shows you what we're gonna end up once we've made those changes there for you.\n\nOkay? One of the reasons I have to make the changes in the portfolio is that the newer portfolio has shown greater past performance. So in your current growth portfolio, when you sort of look at how it's been performing over the past five years, it's actually about 9.63%, which isn't bad, but the newer portfolio overall has averaged 10.53%. So, realistically, we wanna be in the in a portfolio that's been performing greater because it gives you greater potential growth in the future. There's no change to your contributions or anything there.\n\nAnd as I kinda mentioned before, there are CGT impact for being able to change your portfolio. So in order to make these changes here, I have with the recent, and we estimate your your super funds will pay CGT of $710. So in order to make these changes, it's only a small $710 CGT bill for your super fund to take care of, and then you'll be in a much more greater performing fund. When it comes to the fees, as I kinda mentioned before, this portfolio is a bit cheaper. It's actually gonna save you for the first year about $544 in investment fees.\n\nSo this portfolio performs much greater over the longer term. It's cheaper for you, and it's also providing you with greater diversification while keeping your asset allocation in the right sort of area. So all in all, I kinda weighed up the options, and this is the best way to go to make sure that things are updated, that we're removing any underperforming investments, and that we're keeping your super working harder for you over the longer term. Does that make sense? Do you have any questions?\n\nNo? All good. All good. That is essentially the bulk of the recommendations, the only other one there as I've collected before with the beneficiary nominations. So what I'll get you to do is you're welcome to have a bit of a range of the document there when you do get some time.\n\nIf you find you have any questions, please do let me know. I do outline more around the advantages, the disadvantages, and the risks involved. And if you, you know, come back with any questions, I'll make time to answer them. If you raise your hand, you decide you're happy just to take the recommendations on board, I'll get you to sign the document and return it back there for me just so we can have those updates made, have the investment switch completed nice and quick for you so you can benefit from that long term. And then we wanna make sure that we do review that with you regularly.\n\nI'm so sorry.\n\nChannel 1: And I was showing some documents there before.\n\nChannel 0: Oh, did you? You probably saw them already. I'm sorry. I'm not even looking at my email. There you go.\n\nYou have done. It looks like yeah. You have signed it. All good. Did you want me to email it to you as well?\n\nDo you do have a copy to run your eyes over? I'm so sorry, La. I missed that. Can I get you to\n\nChannel 1: Yeah.\n\nChannel 0: repeat\n\nChannel 1: Yeah. You can\n\nChannel 0: that\n\nChannel 1: send it\n\nChannel 0: for\n\nChannel 1: to him,\n\nChannel 0: me?\n\nChannel 1: please.\n\nChannel 0: All good. Not an issue at all. The other document we did have attached there for you is your ongoing service agreement for the next twelve months. So you are an ongoing client. You do pay the 1.65% for our services, and that just continues for the next twelve months there.\n\nSo one of the documents that was attached to the SOA is the updated agreement for the next twelve months there as well. The the only other thing is we're not making any changes to your insurance, but we do like to make sure we're open with the remuneration, How your insurer do pay us an ongoing pre an ongoing commission of 22% of the premium. It's just disclosed in the advice document for you so you're aware of that. It has no effect on our recommendations or anything to do with the insurances. It's just what we receive for writing the policy, and we just like to make sure we're open and disclose any remuneration that we receive from any of the providers.\n\nOkay? All good. I'll send you in\n\nChannel 1: Hello?\n\nChannel 0: a separate email shortly with a copy of those documents so you can run your eyes over them. If you have any questions, you are always welcome to let me know. And depending on how much you enjoy reading, I've also attached the financial services guide for us and any product disclosure statement to the email that you can also download to read as well. Okay.\n\nChannel 1: Was there was there another email? Because I've only got the ones that you want me to sign.\n\nChannel 0: That was the one that I sent literally just as you answered the phone call, but I can double check what else we got.\n\nChannel 1: Oh, that that was sixteen minutes ago. That must be the\n\nChannel 0: Yep.\n\nChannel 1: one that you got. I thought\n\nChannel 0: Yeah.\n\nChannel 1: you had another\n\nChannel 0: That\n\nChannel 1: another\n\nChannel 0: there\n\nChannel 1: one.\n\nChannel 0: was another yeah. There was another one there with your annual review pack. That was from February, but you don't have to worry about signing that one because we added your ongoing service agreement to this segment of advice. So that's all okay. You've signed everything in that one document.\n\nI try not to send too many of those over the time through, so we try to put the documents all in one to make it a bit easier on you. Otherwise, you could spend your life signing documents really, couldn't you?\n\nChannel 1: Yeah.\n\nChannel 0: Oh, good. I wanted to make sure once we complete the switch of your investments that we do catch up with you. I know we did have your annual review a few months back. Would you like me to do a review with you maybe just before Christmas to see how things are tracking with the newer portfolio and just to see how things are done with you generally, or would you just like to do a catch up with me instead? You are again when after Christmas.\n\nWhat would be kind of preferable for you moving forward?\n\nChannel 1: You can probably do one around by Christmas time.\n\nChannel 0: Yep. Yep. Beautiful. Wanna make sure that we do do those catch ups that, you know, we had promised over the past. So I'm making a a huge effort to make sure they all get done.\n\nSo I will put you in my calendar. My team will give you a call in early December. We'll book in a bit of a catch up prior to everyone going through Christmas break, and we'll give you an update on what's been happening with your portfolio with the changes that we're making and see if there's any new advice that needs to be provided. How does that sound?\n\nChannel 1: That's very good, though.\n\nChannel 0: Fantastic. All good. Are you nearly at the pub?\n\nChannel 1: Yeah. Just sitting in the car park now.\n\nChannel 0: Legend. All good. Well, I will send you a separate email from my email with those documents attached. If you have any questions, please let me know. Don't hesitate to contact me, and I'll make sure we do attach up just before the Christmas break there as well.\n\nOkay?\n\nChannel 1: Could you tell me how much money have I actually got in my SuperNets?\n\nChannel 0: Oh, absolutely. Let me go and have a quick look in there. It could be it'll be different to what's in the advice document because that was done the other day, and Marcus updated again this afternoon. So I'll just pop in there quickly and grab it for you. Sorry.\n\nWon't be two seconds. I'm just logging in.\n\nChannel 1: Because after I spoke to you last time, it went down a bit. Then\n\nChannel 0: Yeah.\n\nChannel 1: I\n\nChannel 0: That's\n\nChannel 1: I I looked a few weeks ago, and it was back up from $2,272,000, I think it was.\n\nChannel 0: yeah. Yeah. So just after we did your annual review, that's when the peak of everything kinda hit with the markets between The US and Iran, what when Trump was doing a lot of that tweeting, that's when a lot of that the ups and downs were felt. But\n\nChannel 1: Yep.\n\nChannel 0: sitting there as of today, your balance is now at 290,905.\n\nChannel 1: Holy moly.\n\nChannel 0: Yeah.\n\nChannel 1: No. You're doing doing doing a good job with it, though. I'm very happy.\n\nChannel 0: Fantastic. Well, I wanna make sure after I make these changes and remove those underperforming investments that we keep building and growing on that for you because this is everything you've worked so hard for. And when you get\n\nChannel 1: Yep.\n\nChannel 0: to 67, I wanna see you enjoying an amazing retirement and living your best life, and I'm I'm excited to be a part of that for you.\n\nChannel 1: Well, this this period does alright. I'll be doing a few more. I'll tell you.\n\nChannel 0: Fantastic. Fantastic. I'm excited to hear how that cruise, but you enjoy that eight weeks can't come really enough for you.\n\nChannel 1: Oh, no. I can't wait. I'm I'm kinda well, sir.\n\nChannel 0: Yeah. Well, you have an amazing time. I'll get this switch processed, get that email out to you. My team will get the beneficiary nominations sorted and help you to have those applied, and I\n\nChannel 1: Yep.\n\nChannel 0: look forward to catching up with you in December and seeing how things are tracking. Okay.\n\nChannel 1: I I tried.\n\nChannel 0: Thank you so much for your time, Lyle. I really appreciated you allowing me to run through this for you this afternoon. I hope you have a good night, and I look forward to, you know, be moving forward in helping you and, yeah, implementing the advice.\n\nChannel 1: Yep. Okay then.\n\nChannel 0: Enjoy your night. Enjoy your beer or two or three.\n\nChannel 1: Yep. I will.\n\nChannel 0: Have a good night. Thank you so much for taking my call. I truly appreciate it.\n\nChannel 1: I Nice talking to you\n\nChannel 0: You too. Thanks, Lyle. See you later.\n\nChannel 1: too.\n\nChannel 0: Bye.\n\nChannel 1: Yeah. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.56,"end":1.06,"sentiment":"neutral","sentiment_score":0.035116612911224365}],"sentiment":"neutral","sentiment_score":0.035116612911224365,"channel":1,"num_words":1,"start":0.56,"end":1.06},{"sentences":[{"text":"Hi, Lyle.","start":2.24,"end":2.96,"sentiment":"neutral","sentiment_score":0.1883314847946167},{"text":"This is Dana from OCU Financial.","start":2.96,"end":4.66,"sentiment":"neutral","sentiment_score":0.2119197423259417},{"text":"How are you this afternoon?","start":4.7999997,"end":5.94,"sentiment":"neutral","sentiment_score":0.28273736834526064}],"sentiment":"neutral","sentiment_score":0.2355283280977836,"channel":0,"num_words":13,"start":2.24,"end":5.94},{"sentences":[{"text":"No.","start":6.56,"end":6.8799996,"sentiment":"neutral","sentiment_score":-0.17688220739364624},{"text":"I've had better days now.","start":6.8799996,"end":8.34,"sentiment":"neutral","sentiment_score":-0.11392037719488143}],"sentiment":"neutral","sentiment_score":-0.12441401556134224,"channel":1,"num_words":6,"start":6.56,"end":8.34},{"sentences":[{"text":"Oh, I'm so sorry","start":8.96,"end":10.0,"sentiment":"neutral","sentiment_score":-0.10477316845208406}],"sentiment":"neutral","sentiment_score":-0.10477316845208406,"channel":0,"num_words":4,"start":8.96,"end":10.0},{"sentences":[{"text":"Mhmm.","start":9.84,"end":10.34,"sentiment":"neutral","sentiment_score":-0.13986335694789886}],"sentiment":"neutral","sentiment_score":-0.13986335694789886,"channel":1,"num_words":1,"start":9.84,"end":10.34},{"sentences":[{"text":"to hear that.","start":10.0,"end":10.9,"sentiment":"neutral","sentiment_score":-0.13759341835975647}],"sentiment":"neutral","sentiment_score":-0.13759341835975647,"channel":0,"num_words":3,"start":10.0,"end":10.9},{"sentences":[{"text":"No.","start":11.84,"end":12.0,"sentiment":"neutral","sentiment_score":-0.1201794445514679},{"text":"I totally.","start":12.0,"end":12.58,"sentiment":"neutral","sentiment_score":-0.020457694306969643}],"sentiment":"neutral","sentiment_score":-0.05369827772180239,"channel":1,"num_words":3,"start":11.84,"end":12.58},{"sentences":[{"text":"I had to book in just to run through your updated statement of advice.","start":13.914999,"end":17.195,"sentiment":"neutral","sentiment_score":0.07552909744637352},{"text":"I've made some updated recommendations with regards to your super new portfolio.","start":17.195,"end":20.895,"sentiment":"neutral","sentiment_score":0.27761608362197876},{"text":"Is now still a good time there for you?","start":21.115,"end":23.294998,"sentiment":"neutral","sentiment_score":0.23620229297214085}],"sentiment":"neutral","sentiment_score":0.1861320286989212,"channel":0,"num_words":35,"start":13.914999,"end":23.294998},{"sentences":[{"text":"Yeah.","start":23.395,"end":23.715,"sentiment":"neutral","sentiment_score":0.055863700807094574},{"text":"I just finished work.","start":23.715,"end":24.595,"sentiment":"neutral","sentiment_score":0.05344913341104984},{"text":"I just got the text.","start":24.595,"end":25.555,"sentiment":"neutral","sentiment_score":0.010611564293503762},{"text":"I thought I knew there was something coming up.","start":25.555,"end":28.51,"sentiment":"neutral","sentiment_score":-0.0630278413494428},{"text":"Meeting would you know?","start":28.89,"end":30.51,"sentiment":"neutral","sentiment_score":-0.01718686195090413}],"sentiment":"neutral","sentiment_score":-0.013620868001295172,"channel":1,"num_words":23,"start":23.395,"end":30.51},{"sentences":[{"text":"I just checked my phone, and I just had a smoke, and then I said, oh, shit.","start":30.81,"end":33.69,"sentiment":"neutral","sentiment_score":-0.1701734416625079},{"text":"That's","start":33.69,"end":33.93,"sentiment":"neutral","sentiment_score":-0.06017566844820976}],"sentiment":"neutral","sentiment_score":-0.16406245426171356,"channel":1,"num_words":18,"start":30.81,"end":33.93},{"sentences":[{"text":"Yeah.","start":33.77,"end":34.27,"sentiment":"neutral","sentiment_score":-0.0007264949381351471}],"sentiment":"neutral","sentiment_score":-0.0007264949381351471,"channel":0,"num_words":1,"start":33.77,"end":34.27},{"sentences":[{"text":"right.","start":33.93,"end":34.43,"sentiment":"neutral","sentiment_score":0.01917961053550243}],"sentiment":"neutral","sentiment_score":0.01917961053550243,"channel":1,"num_words":1,"start":33.93,"end":34.43},{"sentences":[{"text":"Oh, that's okay.","start":34.97,"end":36.17,"sentiment":"neutral","sentiment_score":0.07083685199419658},{"text":"Is NASA gonna be an okay time for you?","start":36.17,"end":38.25,"sentiment":"neutral","sentiment_score":0.059806650711430445},{"text":"I can make it fairly quick so we don't take up too much of your time.","start":38.25,"end":41.805,"sentiment":"neutral","sentiment_score":0.13509957725182176}],"sentiment":"neutral","sentiment_score":0.10401298744337899,"channel":0,"num_words":28,"start":34.97,"end":41.805},{"sentences":[{"text":"That's all good.","start":42.675,"end":43.155,"sentiment":"positive","sentiment_score":0.5469610492388407},{"text":"I'm just gonna change in the","start":43.155,"end":44.195,"sentiment":"neutral","sentiment_score":0.13347932323813438}],"sentiment":"neutral","sentiment_score":0.2713065652383698,"channel":1,"num_words":9,"start":42.675,"end":44.195},{"sentences":[{"text":"Yes.","start":44.184998,"end":44.684998,"sentiment":"neutral","sentiment_score":0.07015497982501984}],"sentiment":"neutral","sentiment_score":0.07015497982501984,"channel":0,"num_words":1,"start":44.184998,"end":44.684998},{"sentences":[{"text":"car park because I'm going to club to go and have a drink because","start":44.195,"end":46.774998,"sentiment":"neutral","sentiment_score":0.09621065908244678}],"sentiment":"neutral","sentiment_score":0.09621065908244678,"channel":1,"num_words":14,"start":44.195,"end":46.774998},{"sentences":[{"text":"Oh, I am so jealous of that.","start":46.905,"end":49.965,"sentiment":"neutral","sentiment_score":0.041572837957314084},{"text":"I still have till seven 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okay.","start":65.76,"end":66.88,"sentiment":"neutral","sentiment_score":0.025746655464172364},{"text":"I can run through the recommendations and let you have a look at them later.","start":66.88,"end":70.035,"sentiment":"neutral","sentiment_score":0.10514506747325261}],"sentiment":"neutral","sentiment_score":0.07892016841228618,"channel":0,"num_words":43,"start":59.440002,"end":70.035},{"sentences":[{"text":"What would you prefer?","start":70.035,"end":71.255,"sentiment":"neutral","sentiment_score":0.03693107841536403}],"sentiment":"neutral","sentiment_score":0.03693107841536403,"channel":0,"num_words":4,"start":70.035,"end":71.255},{"sentences":[{"text":"Well, I'm just at home from the cab.","start":72.585,"end":74.365,"sentiment":"neutral","sentiment_score":0.033061350928619504},{"text":"Turn the ignition on, so it comes through the 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you.","start":135.775,"end":146.85,"sentiment":"neutral","sentiment_score":0.20653973354233635}],"sentiment":"neutral","sentiment_score":0.21773699120334958,"channel":0,"num_words":46,"start":135.135,"end":146.85},{"sentences":[{"text":"Laurel 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everything.","start":159.035,"end":159.755,"sentiment":"positive","sentiment_score":0.48322534561157227},{"text":"You did well.","start":159.755,"end":160.395,"sentiment":"positive","sentiment_score":0.7119748592376709},{"text":"Thank you so much for that.","start":160.395,"end":161.85501,"sentiment":"positive","sentiment_score":0.8084621528784434},{"text":"All good.","start":161.99501,"end":162.735,"sentiment":"positive","sentiment_score":0.6710627377033234}],"sentiment":"positive","sentiment_score":0.6665796915690104,"channel":0,"num_words":15,"start":158.075,"end":162.735},{"sentences":[{"text":"I have to send the email through to you, so it will be there when you get time to review the document.","start":163.27501,"end":167.85,"sentiment":"neutral","sentiment_score":0.16419986296783795},{"text":"Essentially, it's an updated statement of advice.","start":168.39,"end":170.39,"sentiment":"neutral","sentiment_score":0.0843960674745696},{"text":"So I had sort of noted after reviewing 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date.","start":199.91,"end":205.91,"sentiment":"neutral","sentiment_score":0.15962945350578853},{"text":"We date it for the date on the of the presentation, which is today because all of our advice is valid for sixty days.","start":205.91,"end":211.95499,"sentiment":"neutral","sentiment_score":0.115354691632092},{"text":"On the bottom of the front page, it's also got my registration and license information.","start":212.495,"end":216.595,"sentiment":"neutral","sentiment_score":0.07783875813086828},{"text":"So I'm a licensed financial adviser, and my registration with ASIC is 1304394.","start":216.655,"end":222.435,"sentiment":"neutral","sentiment_score":0.06669201214726155}],"sentiment":"neutral","sentiment_score":0.11586213096774914,"channel":0,"num_words":74,"start":198.47,"end":222.435},{"sentences":[{"text":"Yep.","start":223.25,"end":223.75,"sentiment":"neutral","sentiment_score":0.07521840184926987}],"sentiment":"neutral","sentiment_score":0.07521840184926987,"channel":1,"num_words":1,"start":223.25,"end":223.75},{"sentences":[{"text":"Simply, I've scoped in superannuation and the investments within.","start":224.14,"end":227.6,"sentiment":"neutral","sentiment_score":0.054355808430247836},{"text":"Essentially, when we sort of spoke last time, your goal was that you were looking to sort of have your super working harder.","start":228.06,"end":233.66,"sentiment":"neutral","sentiment_score":0.04424637248334677},{"text":"You're hoping to reduce hours and hopefully access the age pension and retire around about age 67, if not a little bit 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make sure we factor those into any projections that we essentially do up for you.","start":395.27,"end":401.83,"sentiment":"neutral","sentiment_score":0.12434551119804382},{"text":"Okay?","start":401.83,"end":402.33,"sentiment":"neutral","sentiment_score":0.07610142230987549}],"sentiment":"neutral","sentiment_score":0.09165762227190577,"channel":0,"num_words":46,"start":387.445,"end":402.33},{"sentences":[{"text":"We've also spaced out a few additional areas.","start":404.07,"end":406.31,"sentiment":"neutral","sentiment_score":0.06320633552968502},{"text":"If you don't have income protection and trauma.","start":406.31,"end":408.095,"sentiment":"neutral","sentiment_score":0.029048379510641098},{"text":"We're happy not to worry about obtaining those at the moment.","start":408.095,"end":410.975,"sentiment":"neutral","sentiment_score":0.2160386104475368},{"text":"If you decide to down the track, you can let me know, and we can have that conversation.","start":410.975,"end":414.515,"sentiment":"neutral","sentiment_score":0.1443676683637831},{"text":"I've scoped out retirement at the moment.","start":415.375,"end":417.295,"sentiment":"neutral","sentiment_score":0.04202593729964325}],"sentiment":"neutral","sentiment_score":0.115524269747906,"channel":0,"num_words":52,"start":404.07,"end":417.295},{"sentences":[{"text":"So you're not you're getting there.","start":417.295,"end":419.535,"sentiment":"neutral","sentiment_score":0.009917739274290701},{"text":"You still got another you know, a bit over ten years ahead of you before you've accessed super currently.","start":419.535,"end":424.31,"sentiment":"neutral","sentiment_score":0.022050262575871067},{"text":"It's a sixteen year time horizon, so we're not looking at the drawdown side of things as of yet, but we will do as you get closer.","start":424.31,"end":431.11002,"sentiment":"neutral","sentiment_score":0.02304358642410349},{"text":"And when you get to retirement, I'll not only look at how to access your super, how to draw things down, but I'll also factor in for you and any other area that you need to assist merger time it is.","start":431.11002,"end":442.895,"sentiment":"neutral","sentiment_score":0.07411431939136691},{"text":"Okay.","start":442.955,"end":443.455,"sentiment":"neutral","sentiment_score":0.05618692189455032}],"sentiment":"neutral","sentiment_score":0.044633109308283854,"channel":0,"num_words":94,"start":417.295,"end":443.455},{"sentences":[{"text":"You also had a cruise plan to Vanuatu.","start":445.275,"end":447.935,"sentiment":"neutral","sentiment_score":0.06677123112604022},{"text":"Did you take that already, or was that coming up still?","start":448.47498,"end":451.375,"sentiment":"neutral","sentiment_score":0.031674967062744225},{"text":"Eight weeks ago.","start":454.29,"end":455.41,"sentiment":"neutral","sentiment_score":0.022484426697095234},{"text":"Oh, I'm so excited for you.","start":455.41,"end":457.59,"sentiment":"positive","sentiment_score":0.5932740767796835},{"text":"Can't wait.","start":457.97,"end":458.71,"sentiment":"positive","sentiment_score":0.47760871052742004}],"sentiment":"neutral","sentiment_score":0.18216365495075781,"channel":0,"num_words":30,"start":445.275,"end":458.71},{"sentences":[{"text":"Countdown is on.","start":460.28998,"end":461.66998,"sentiment":"neutral","sentiment_score":0.13421005258957544}],"sentiment":"neutral","sentiment_score":0.13421005258957544,"channel":0,"num_words":3,"start":460.28998,"end":461.66998},{"sentences":[{"text":"Maybe on record, that should be nine, ten, a half left a guy too if I can't.","start":464.365,"end":467.725,"sentiment":"neutral","sentiment_score":0.027984580025076866},{"text":"Yeah.","start":467.725,"end":468.225,"sentiment":"positive","sentiment_score":0.3590127229690552}],"sentiment":"neutral","sentiment_score":0.04637503241085344,"channel":1,"num_words":18,"start":464.365,"end":468.225},{"sentences":[{"text":"I love it.","start":469.105,"end":469.905,"sentiment":"positive","sentiment_score":0.694270928700765},{"text":"I hope you have the best time.","start":469.905,"end":471.825,"sentiment":"positive","sentiment_score":0.6882611768586295},{"text":"I'm so excited for you.","start":471.825,"end":473.525,"sentiment":"positive","sentiment_score":0.7489652037620544}],"sentiment":"positive","sentiment_score":0.7096978028615316,"channel":0,"num_words":15,"start":469.105,"end":473.525},{"sentences":[{"text":"I got me money.","start":474.76498,"end":475.645,"sentiment":"positive","sentiment_score":0.4756505414843559},{"text":"I I I'm gonna have good times.","start":475.645,"end":476.925,"sentiment":"positive","sentiment_score":0.5188722951071603},{"text":"I gotta be the money side of the whiteboard.","start":476.925,"end":478.625,"sentiment":"neutral","sentiment_score":0.21924465894699097}],"sentiment":"positive","sentiment_score":0.37539550811052325,"channel":1,"num_words":20,"start":474.76498,"end":478.625},{"sentences":[{"text":"Fantastic.","start":480.00998,"end":480.50998,"sentiment":"positive","sentiment_score":0.6386095285415649},{"text":"Excellent.","start":481.21,"end":481.71,"sentiment":"positive","sentiment_score":0.6059161424636841},{"text":"Excellent.","start":481.93,"end":482.33,"sentiment":"neutral","sentiment_score":0.04214325547218323},{"text":"When you come back, I'll have a review ready for you, and we'll I'll be asking you how it was, where you went, what you did so I you can tell me where to go next time on my holiday.","start":482.33,"end":492.27,"sentiment":"neutral","sentiment_score":0.1827080374583602},{"text":"All good.","start":495.275,"end":496.015,"sentiment":"positive","sentiment_score":0.6448124051094055}],"sentiment":"neutral","sentiment_score":0.21965811633401447,"channel":0,"num_words":45,"start":480.00998,"end":496.015},{"sentences":[{"text":"So with the super with the recommendations there, I am making a recommendation that we retain your hub twenty four super account.","start":497.275,"end":503.355,"sentiment":"neutral","sentiment_score":0.20104683190584183},{"text":"I do go back and review the super when I am reviewing things like this just to make sure that you are in the best fund.","start":503.355,"end":509.135,"sentiment":"neutral","sentiment_score":0.2387200571023501},{"text":"Essentially, if we had have looked at moving you into any other fund, we would have been triggering a much bigger CDT cost to your super fund.","start":509.93,"end":517.47,"sentiment":"neutral","sentiment_score":-0.29076471814402827},{"text":"So believe it or not, you do your tax return every year, but so does your super fund.","start":518.01,"end":522.57,"sentiment":"neutral","sentiment_score":-0.0944832544773817},{"text":"So your super does a tax return every year.","start":522.57,"end":525.145,"sentiment":"neutral","sentiment_score":-0.010508762465582954}],"sentiment":"neutral","sentiment_score":0.009645362293311194,"channel":0,"num_words":102,"start":497.275,"end":525.145},{"sentences":[{"text":"It pays income tax and capital gains tax on on the inside of things there.","start":525.145,"end":530.125,"sentiment":"neutral","sentiment_score":-0.022140278667211532},{"text":"And if I had a book to sell down your total portfolio and move you to another fund, we would have been triggering a capital gains tax of just over $7,900.","start":530.34503,"end":539.78,"sentiment":"neutral","sentiment_score":-0.2797140142609996},{"text":"So in the interest of keeping your super working harder, I didn't wanna trigger as big a capital gains tax, and HubSpot is not a bad platform.","start":540.16003,"end":548.0,"sentiment":"neutral","sentiment_score":0.043235589370683385},{"text":"There's lots of benefits to it.","start":548.0,"end":549.76,"sentiment":"positive","sentiment_score":0.6399335364500681},{"text":"It has the most amount of investments available within an adviser platform, and it means that we can switch investments in a more tax effective way and make sure things keep working harder for you at the same time.","start":549.76,"end":561.59503,"sentiment":"positive","sentiment_score":0.4447364799487285}],"sentiment":"neutral","sentiment_score":0.11312242565771281,"channel":0,"num_words":118,"start":525.145,"end":561.59503},{"sentences":[{"text":"Yep.","start":562.535,"end":563.035,"sentiment":"neutral","sentiment_score":0.09030592441558838}],"sentiment":"neutral","sentiment_score":0.09030592441558838,"channel":1,"num_words":1,"start":562.535,"end":563.035},{"sentences":[{"text":"So I'm recommending that we switch your investments over.","start":562.85504,"end":566.155,"sentiment":"neutral","sentiment_score":0.024205699976947572},{"text":"Essentially, one of the ones that was underperforming very heavily when we sort of last saw that was Benelow Australian equity.","start":566.45996,"end":572.48,"sentiment":"neutral","sentiment_score":-0.2061016864719845},{"text":"We wanted to look at removing that completely out of your portfolio, but we also wanted to make some changes.","start":573.01996,"end":578.69995,"sentiment":"neutral","sentiment_score":-0.11983102150261402},{"text":"So I'm looking to also move out the bank hybrid just because the government governments are looking to essentially remove these as an investment price down the track.","start":578.69995,"end":589.425,"sentiment":"neutral","sentiment_score":-0.030029134093118564},{"text":"So whilst I'm making changes to your portfolio now, we'll look to remove those as well.","start":589.425,"end":593.925,"sentiment":"neutral","sentiment_score":0.007417687427732743}],"sentiment":"neutral","sentiment_score":-0.07690465214824492,"channel":0,"num_words":94,"start":562.85504,"end":593.925},{"sentences":[{"text":"I'm also gonna move the the global agriculture in there as well.","start":594.62,"end":598.7,"sentiment":"neutral","sentiment_score":0.10922378363708656},{"text":"So it's not a bad investment, but it hasn't really been performing as well as late.","start":598.7,"end":602.54,"sentiment":"neutral","sentiment_score":0.004557476611807942},{"text":"So we wanna see remove that and replace it for you.","start":602.54,"end":605.83997,"sentiment":"neutral","sentiment_score":0.040944156321612274},{"text":"Aside from","start":606.06,"end":606.7,"sentiment":"neutral","sentiment_score":0.013520022854208946}],"sentiment":"neutral","sentiment_score":0.045390994992198015,"channel":0,"num_words":41,"start":594.62,"end":606.7},{"sentences":[{"text":"Yep.","start":606.5,"end":607.0,"sentiment":"neutral","sentiment_score":0.010508188977837564}],"sentiment":"neutral","sentiment_score":0.010508188977837564,"channel":1,"num_words":1,"start":606.5,"end":607.0},{"sentences":[{"text":"removing those couple of investments, we're also gonna remove the ClearBridge infrastructure income fund.","start":606.7,"end":612.71497,"sentiment":"neutral","sentiment_score":-0.08765525743365288},{"text":"So infrastructure has had a bit of a downtime recently, especially with the changes that are happening within the government and the property side of things.","start":612.935,"end":621.42,"sentiment":"neutral","sentiment_score":-0.2778958947612689},{"text":"So I wanted to remove that for you as well and replace it with something better performing.","start":621.42,"end":625.76,"sentiment":"neutral","sentiment_score":-0.11920148572501015}],"sentiment":"neutral","sentiment_score":-0.18384021272261938,"channel":0,"num_words":57,"start":606.7,"end":625.76},{"sentences":[{"text":"Yep.","start":626.77,"end":627.27,"sentiment":"neutral","sentiment_score":0.14745467901229858}],"sentiment":"neutral","sentiment_score":0.14745467901229858,"channel":1,"num_words":1,"start":626.77,"end":627.27},{"sentences":[{"text":"I'm going to rebalance your portfolio a little bit as well.","start":627.66,"end":630.86,"sentiment":"neutral","sentiment_score":0.23435687612403522},{"text":"So you've got physical gold, which is doing very, very well.","start":630.86,"end":634.38,"sentiment":"neutral","sentiment_score":0.276470577174967},{"text":"We all love a bit of physical gold.","start":634.38,"end":635.98,"sentiment":"positive","sentiment_score":0.350387305021286},{"text":"It has had its ups and downs this year, but it has overall been performing nicely.","start":635.98,"end":639.855,"sentiment":"neutral","sentiment_score":0.24559555295854807},{"text":"You're a little bit overexposed at the moment in your portfolio.","start":640.39496,"end":643.21497,"sentiment":"neutral","sentiment_score":-0.2705677788365971}],"sentiment":"neutral","sentiment_score":0.16448217029111428,"channel":0,"num_words":57,"start":627.66,"end":643.21497},{"sentences":[{"text":"We only wanna hold about 8%.","start":643.355,"end":645.295,"sentiment":"neutral","sentiment_score":-0.1536568229397138},{"text":"You've got about 14 at the moment.","start":645.435,"end":647.115,"sentiment":"neutral","sentiment_score":-0.12910009281975882},{"text":"So I'm just gonna sell some of the physical gold and redistribute the growth into other areas for you to keep your portfolio moving and working.","start":647.115,"end":655.42,"sentiment":"neutral","sentiment_score":0.17519704682322648},{"text":"You've also","start":656.36,"end":656.83997,"sentiment":"neutral","sentiment_score":0.07289162650704384}],"sentiment":"neutral","sentiment_score":0.07012841178149712,"channel":0,"num_words":41,"start":643.355,"end":656.83997},{"sentences":[{"text":"Yep.","start":656.71,"end":657.21,"sentiment":"neutral","sentiment_score":0.07215820997953415}],"sentiment":"neutral","sentiment_score":0.07215820997953415,"channel":1,"num_words":1,"start":656.71,"end":657.21},{"sentences":[{"text":"got some cybersecurity.","start":656.83997,"end":657.82,"sentiment":"neutral","sentiment_score":0.06410103167096774},{"text":"We only wanna hold about 5%, so I'm gonna sell a little bit of cybersecurity and essentially re balance your portfolio there.","start":658.6,"end":666.395,"sentiment":"neutral","sentiment_score":0.10153487443246624},{"text":"You've also got the S and P 500 and US equities, whilst the ups and downs have actually been doing very well.","start":666.695,"end":673.435,"sentiment":"neutral","sentiment_score":0.15295372988012704},{"text":"You're sitting at about 28%.","start":673.735,"end":675.575,"sentiment":"neutral","sentiment_score":0.03883947506546974},{"text":"I only wanna hold 20%, so I'm gonna sell some of those off as well and just rebalance you back a little bit.","start":675.575,"end":681.2,"sentiment":"neutral","sentiment_score":0.06197563234878623}],"sentiment":"neutral","sentiment_score":0.0988091907898585,"channel":0,"num_words":75,"start":656.83997,"end":681.2},{"sentences":[{"text":"We've also got the beta shares Raffi 200.","start":681.98004,"end":685.66003,"sentiment":"neutral","sentiment_score":0.10059913620352745},{"text":"So this is tracking some of the top 200 companies on Australia by waiting.","start":685.66003,"end":689.60004,"sentiment":"neutral","sentiment_score":0.13761872638549125},{"text":"And, essentially, we wanna hold 15%.","start":690.22003,"end":692.94,"sentiment":"neutral","sentiment_score":0.08035576964418094},{"text":"You've got 17% there at the moment.","start":692.94,"end":695.155,"sentiment":"neutral","sentiment_score":0.054637214967182705},{"text":"We're selling some of that off to rebalance you back a little bit as well.","start":695.155,"end":698.53503,"sentiment":"neutral","sentiment_score":0.05046584705511729}],"sentiment":"neutral","sentiment_score":0.08706076174974442,"channel":0,"num_words":50,"start":681.98004,"end":698.53503},{"sentences":[{"text":"Aside from making those changes, we're going to buy into the India quality ETF because India has seen some great some great growth this year and is also expected provide greater growth down the track.","start":700.195,"end":711.51996,"sentiment":"neutral","sentiment_score":0.29297773199422017},{"text":"We wanna hold 5% of the India investment.","start":711.51996,"end":714.18,"sentiment":"neutral","sentiment_score":0.2006561029702425},{"text":"We wanna hold 4% in global health care, so giving you global exposure to health care.","start":714.72,"end":720.26,"sentiment":"neutral","sentiment_score":0.19680378772318363},{"text":"To replace the standalone Australian equity, which is underperforming, I'm gonna hold the the the beta share of a 200.","start":720.8,"end":728.485,"sentiment":"neutral","sentiment_score":0.053635890036821364},{"text":"So it's giving you more exposure to 200 companies on the ASX, and is that that along with the RAP is essentially giving you much greater exposure, and it's giving you more diversification into the Australian market as well.","start":728.485,"end":742.14996,"sentiment":"positive","sentiment_score":0.5111380517482758}],"sentiment":"neutral","sentiment_score":0.30521552428855736,"channel":0,"num_words":118,"start":700.195,"end":742.14996},{"sentences":[{"text":"We're also gonna hold the JPMorgan Global Enhanced Research Equity Fund.","start":743.81,"end":749.41,"sentiment":"neutral","sentiment_score":0.3192710050127723},{"text":"This is just giving you global exposure to equities across the entire globe and utilizing JPMorgan's research team to be able to work out where they buy and sell.","start":749.41,"end":759.935,"sentiment":"positive","sentiment_score":0.42760419948347683},{"text":"It's giving you a little bit of active management in your portfolio currently, so we'll hold 15%.","start":759.935,"end":764.915,"sentiment":"positive","sentiment_score":0.49060328743037057},{"text":"And because we still want to you're in that growth environment there, which is about eighty twenty split between gross defensive investments, we still wanna hold some low risk defensive investments like cash and bonds.","start":765.69,"end":777.15,"sentiment":"neutral","sentiment_score":0.29985559369836534},{"text":"So we're gonna buy in to the iShares yield plus, which is giving you high interest income and also the core composite bond.","start":777.61,"end":786.08496,"sentiment":"positive","sentiment_score":0.36632263790006225}],"sentiment":"positive","sentiment_score":0.3754184798054073,"channel":0,"num_words":115,"start":743.81,"end":786.08496},{"sentences":[{"text":"So bonds are also more of a defensive investment holding them.","start":786.08496,"end":790.005,"sentiment":"neutral","sentiment_score":0.22392145476557992},{"text":"They help to produce income.","start":790.005,"end":791.545,"sentiment":"neutral","sentiment_score":0.2793534964323044},{"text":"Income from these sorts of investments is paid into your cash account and reinvested into your portfolio for compounding.","start":791.605,"end":797.68,"sentiment":"neutral","sentiment_score":0.3147804392011542},{"text":"That is a a lot, and I fully get that when you're not looking at the document.","start":798.3,"end":802.24,"sentiment":"neutral","sentiment_score":0.2839860258733525},{"text":"Do you have any questions at the moment?","start":802.7,"end":804.86,"sentiment":"neutral","sentiment_score":0.028416508343070745}],"sentiment":"neutral","sentiment_score":0.24826377226660648,"channel":0,"num_words":60,"start":786.08496,"end":804.86},{"sentences":[{"text":"I'm sorry, Lyle.","start":804.86,"end":805.84,"sentiment":"neutral","sentiment_score":-0.08258720735708873}],"sentiment":"neutral","sentiment_score":-0.08258720735708873,"channel":0,"num_words":3,"start":804.86,"end":805.84},{"sentences":[{"text":"You're alright.","start":806.71497,"end":807.27496,"sentiment":"neutral","sentiment_score":-0.08759794943034649},{"text":"I'm I'm not really on the same much of it, but yeah.","start":807.27496,"end":809.675,"sentiment":"neutral","sentiment_score":-0.10197300029297669},{"text":"You're saying","start":809.675,"end":810.57495,"sentiment":"neutral","sentiment_score":-0.020642954856157303}],"sentiment":"neutral","sentiment_score":-0.0900098632555455,"channel":1,"num_words":16,"start":806.71497,"end":810.57495},{"sentences":[{"text":"Yeah.","start":812.995,"end":813.495,"sentiment":"neutral","sentiment_score":0.009463051334023476},{"text":"When you look at that when you look at the document on page 19 there, you'll see I've got some red and green.","start":813.635,"end":818.935,"sentiment":"neutral","sentiment_score":0.04784874763825665},{"text":"Anything in the red, we're gonna be selling off, and anything in the green, we're gonna be purchasing.","start":819.075,"end":823.255,"sentiment":"neutral","sentiment_score":0.129938172797362},{"text":"And the last column is your target balance.","start":823.64,"end":825.88,"sentiment":"neutral","sentiment_score":0.15239794459193945},{"text":"It shows you what we're gonna end up once we've made those changes there for you.","start":825.88,"end":830.04,"sentiment":"neutral","sentiment_score":0.21425305306911469}],"sentiment":"neutral","sentiment_score":0.12266823883648172,"channel":0,"num_words":66,"start":812.995,"end":830.04},{"sentences":[{"text":"Okay?","start":830.04,"end":830.54,"sentiment":"neutral","sentiment_score":0.08803025633096695},{"text":"One of the reasons I have to make the changes in the portfolio is that the newer portfolio has shown greater past performance.","start":832.84,"end":839.34,"sentiment":"neutral","sentiment_score":0.11410623367713846},{"text":"So in your current growth portfolio, when you sort of look at how it's been performing over the past five years, it's actually about 9.63%, which isn't bad, but the newer portfolio overall has averaged 10.53%.","start":840.01495,"end":853.295,"sentiment":"neutral","sentiment_score":0.2004709297584163},{"text":"So, realistically, we wanna be in the in a portfolio that's been performing greater because it gives you greater potential growth in the future.","start":853.295,"end":860.95,"sentiment":"positive","sentiment_score":0.44660249911248684},{"text":"There's no change to your contributions or anything there.","start":862.21,"end":864.69,"sentiment":"neutral","sentiment_score":0.19030973315238953}],"sentiment":"neutral","sentiment_score":0.24043736214278846,"channel":0,"num_words":93,"start":830.04,"end":864.69},{"sentences":[{"text":"And as I kinda mentioned before, there are CGT impact for being able to change your portfolio.","start":864.69,"end":870.40497,"sentiment":"neutral","sentiment_score":0.1577657789868467},{"text":"So in order to make these changes here, I have with the recent, and we estimate your your super funds will pay CGT of $710.","start":871.105,"end":880.46497,"sentiment":"neutral","sentiment_score":0.14794414579868317},{"text":"So in order to make these changes, it's only a small $710 CGT bill for your super fund to take care of, and then you'll be in a much more greater performing fund.","start":880.46497,"end":892.06,"sentiment":"positive","sentiment_score":0.394808365540071},{"text":"When it comes to the fees, as I kinda mentioned before, this portfolio is a bit cheaper.","start":892.68,"end":898.215,"sentiment":"positive","sentiment_score":0.4738429802305558},{"text":"It's actually gonna save you for the first year about $544 in investment fees.","start":898.275,"end":903.715,"sentiment":"positive","sentiment_score":0.5641310619456428}],"sentiment":"positive","sentiment_score":0.33360814605400246,"channel":0,"num_words":106,"start":864.69,"end":903.715},{"sentences":[{"text":"So this portfolio performs much greater over the longer term.","start":903.715,"end":907.56,"sentiment":"positive","sentiment_score":0.761041522026062},{"text":"It's cheaper for you, and it's also providing you with greater diversification while keeping your asset allocation in the right sort of area.","start":907.72,"end":915.26,"sentiment":"positive","sentiment_score":0.6490078853524249},{"text":"So all in all, I kinda weighed up the options, and this is the best way to go to make sure that things are updated, that we're removing any underperforming investments, and that we're keeping your super working harder for you over the longer term.","start":915.4,"end":927.615,"sentiment":"neutral","sentiment_score":0.29757201853725646},{"text":"Does that make sense?","start":928.075,"end":929.035,"sentiment":"neutral","sentiment_score":0.08875558897852898},{"text":"Do you have any questions?","start":929.035,"end":930.175,"sentiment":"neutral","sentiment_score":0.019316197745501994}],"sentiment":"positive","sentiment_score":0.41816023864579954,"channel":0,"num_words":87,"start":903.715,"end":930.175},{"sentences":[{"text":"No?","start":932.795,"end":933.295,"sentiment":"neutral","sentiment_score":-0.025454917922616005},{"text":"All good.","start":935.15,"end":935.79004,"sentiment":"neutral","sentiment_score":0.1807749941945076},{"text":"All good.","start":935.79004,"end":936.59,"sentiment":"neutral","sentiment_score":0.1879514902830124},{"text":"That is essentially the bulk of the recommendations, the only other one there as I've collected before with the beneficiary nominations.","start":936.59,"end":943.09,"sentiment":"neutral","sentiment_score":0.15141987126497997},{"text":"So what I'll get you to do is you're welcome to have a bit of a range of the document there when you do get some time.","start":943.47003,"end":949.25,"sentiment":"neutral","sentiment_score":0.22244737876786125}],"sentiment":"neutral","sentiment_score":0.18675272781753316,"channel":0,"num_words":53,"start":932.795,"end":949.25},{"sentences":[{"text":"If you find you have any questions, please do let me know.","start":949.625,"end":952.505,"sentiment":"neutral","sentiment_score":0.1103184875100851},{"text":"I do outline more around the advantages, the disadvantages, and the risks involved.","start":952.505,"end":956.925,"sentiment":"neutral","sentiment_score":0.13720394756931525},{"text":"And if you, you know, come back with any questions, I'll make time to answer them.","start":957.945,"end":961.83,"sentiment":"neutral","sentiment_score":0.23232068493962288},{"text":"If you raise your hand, you decide you're happy just to take the recommendations on board, I'll get you to sign the document and return it back there for me just so we can have those updates made, have the investment switch completed nice and quick for you so you can benefit from that long term.","start":961.91003,"end":976.925,"sentiment":"positive","sentiment_score":0.49620077652590616},{"text":"And then we wanna make sure that we do review that with you regularly.","start":977.305,"end":980.52496,"sentiment":"neutral","sentiment_score":0.1520183219441346}],"sentiment":"neutral","sentiment_score":0.33099192901103347,"channel":0,"num_words":111,"start":949.625,"end":980.52496},{"sentences":[{"text":"I'm so sorry.","start":980.745,"end":981.64496,"sentiment":"neutral","sentiment_score":-0.11376321812470754}],"sentiment":"neutral","sentiment_score":-0.11376321812470754,"channel":0,"num_words":3,"start":980.745,"end":981.64496},{"sentences":[{"text":"And I was showing some documents there before.","start":984.285,"end":986.46497,"sentiment":"neutral","sentiment_score":-0.009381896408740431}],"sentiment":"neutral","sentiment_score":-0.009381896408740431,"channel":1,"num_words":8,"start":984.285,"end":986.46497},{"sentences":[{"text":"Oh, did you?","start":987.81995,"end":988.8,"sentiment":"neutral","sentiment_score":0.0036235996522009373},{"text":"You probably saw them already.","start":989.01996,"end":990.54,"sentiment":"neutral","sentiment_score":-0.004805381968617439},{"text":"I'm sorry.","start":990.54,"end":990.86,"sentiment":"neutral","sentiment_score":-0.05008176900446415},{"text":"I'm not even looking at my email.","start":990.86,"end":992.39996,"sentiment":"neutral","sentiment_score":-0.09880513697862625},{"text":"There you go.","start":993.18,"end":994.07996,"sentiment":"neutral","sentiment_score":0.0022019284466902414}],"sentiment":"neutral","sentiment_score":-0.03991749112028629,"channel":0,"num_words":20,"start":987.81995,"end":994.07996},{"sentences":[{"text":"You have done.","start":994.54,"end":995.81995,"sentiment":"neutral","sentiment_score":0.0778990959127744},{"text":"It looks like yeah.","start":995.81995,"end":998.13995,"sentiment":"neutral","sentiment_score":0.12674769386649132},{"text":"You have signed it.","start":998.13995,"end":999.1,"sentiment":"neutral","sentiment_score":0.19092760980129242},{"text":"All good.","start":999.1,"end":999.57996,"sentiment":"positive","sentiment_score":0.48895516991615295},{"text":"Did you want me to email it to you as well?","start":999.57996,"end":1002.3762,"sentiment":"neutral","sentiment_score":0.1492096185684204}],"sentiment":"neutral","sentiment_score":0.1718172769372662,"channel":0,"num_words":24,"start":994.54,"end":1002.3762},{"sentences":[{"text":"Do you do have a copy to run your eyes over?","start":1002.3762,"end":1006.6707,"sentiment":"neutral","sentiment_score":0.05073378776962107},{"text":"I'm so sorry, La.","start":1006.6707,"end":1008.2323,"sentiment":"neutral","sentiment_score":-0.057584019377827644},{"text":"I missed that.","start":1008.2323,"end":1009.40356,"sentiment":"neutral","sentiment_score":-0.08733151108026505},{"text":"Can I get you to","start":1009.40356,"end":1011.3556,"sentiment":"neutral","sentiment_score":-0.01231774166226387}],"sentiment":"neutral","sentiment_score":0.00018053680010463881,"channel":0,"num_words":23,"start":1002.3762,"end":1011.3556},{"sentences":[{"text":"Yeah.","start":1011.17,"end":1011.49,"sentiment":"neutral","sentiment_score":0.0014353618025779724}],"sentiment":"neutral","sentiment_score":0.0014353618025779724,"channel":1,"num_words":1,"start":1011.17,"end":1011.49},{"sentences":[{"text":"repeat","start":1011.3556,"end":1011.746,"sentiment":"neutral","sentiment_score":-0.0003821132704615593}],"sentiment":"neutral","sentiment_score":-0.0003821132704615593,"channel":0,"num_words":1,"start":1011.3556,"end":1011.746},{"sentences":[{"text":"Yeah.","start":1011.49,"end":1011.65,"sentiment":"neutral","sentiment_score":0.019369928166270256},{"text":"You can","start":1011.65,"end":1011.97003,"sentiment":"neutral","sentiment_score":0.01690622651949525}],"sentiment":"neutral","sentiment_score":0.017727460401753586,"channel":1,"num_words":3,"start":1011.49,"end":1011.97003},{"sentences":[{"text":"that","start":1011.746,"end":1012.13635,"sentiment":"neutral","sentiment_score":0.02813846245408058}],"sentiment":"neutral","sentiment_score":0.02813846245408058,"channel":0,"num_words":1,"start":1011.746,"end":1012.13635},{"sentences":[{"text":"send it","start":1011.97003,"end":1012.29,"sentiment":"neutral","sentiment_score":0.032316493801772594}],"sentiment":"neutral","sentiment_score":0.032316493801772594,"channel":1,"num_words":2,"start":1011.97003,"end":1012.29},{"sentences":[{"text":"for","start":1012.13635,"end":1012.5268,"sentiment":"neutral","sentiment_score":0.02287423238158226}],"sentiment":"neutral","sentiment_score":0.02287423238158226,"channel":0,"num_words":1,"start":1012.13635,"end":1012.5268},{"sentences":[{"text":"to him,","start":1012.29,"end":1012.53,"sentiment":"neutral","sentiment_score":0.015864679124206305}],"sentiment":"neutral","sentiment_score":0.015864679124206305,"channel":1,"num_words":2,"start":1012.29,"end":1012.53},{"sentences":[{"text":"me?","start":1012.5268,"end":1012.9172,"sentiment":"neutral","sentiment_score":0.010231678374111652}],"sentiment":"neutral","sentiment_score":0.010231678374111652,"channel":0,"num_words":1,"start":1012.5268,"end":1012.9172},{"sentences":[{"text":"please.","start":1012.53,"end":1013.03,"sentiment":"neutral","sentiment_score":0.06143230199813843}],"sentiment":"neutral","sentiment_score":0.06143230199813843,"channel":1,"num_words":1,"start":1012.53,"end":1013.03},{"sentences":[{"text":"All good.","start":1012.9172,"end":1013.698,"sentiment":"neutral","sentiment_score":0.27364517748355865},{"text":"Not an issue at all.","start":1013.698,"end":1015.65,"sentiment":"neutral","sentiment_score":0.029574468731880188},{"text":"The other document we did have attached there for you is your ongoing service agreement for the next twelve months.","start":1015.97003,"end":1021.01,"sentiment":"neutral","sentiment_score":0.06542275827378034},{"text":"So you are an ongoing client.","start":1021.01,"end":1022.85004,"sentiment":"neutral","sentiment_score":0.08341644952694575},{"text":"You do pay the 1.65% for our services, and that just continues for the next twelve months there.","start":1022.85004,"end":1029.01,"sentiment":"neutral","sentiment_score":0.08856839148534669}],"sentiment":"neutral","sentiment_score":0.08035975701960862,"channel":0,"num_words":51,"start":1012.9172,"end":1029.01},{"sentences":[{"text":"So one of the documents that was attached to the SOA is the updated agreement for the next twelve months there as well.","start":1029.01,"end":1035.205,"sentiment":"neutral","sentiment_score":0.10134292393922806},{"text":"The the only other thing is we're not making any changes to your insurance, but we do like to make sure we're open with the remuneration, How your insurer do pay us an ongoing pre an ongoing commission of 22% of the premium.","start":1036.225,"end":1050.26,"sentiment":"neutral","sentiment_score":0.017522111654194983},{"text":"It's just disclosed in the advice document for you so you're aware of that.","start":1051.04,"end":1054.64,"sentiment":"neutral","sentiment_score":0.084177576271551},{"text":"It has no effect on our recommendations or anything to do with the insurances.","start":1054.64,"end":1058.705,"sentiment":"neutral","sentiment_score":-0.023364844066756114},{"text":"It's just what we receive for writing the policy, and we just like to make sure we're open and disclose any remuneration that we receive from any of the providers.","start":1058.845,"end":1067.105,"sentiment":"neutral","sentiment_score":0.11491205369432768}],"sentiment":"neutral","sentiment_score":0.05954095091475474,"channel":0,"num_words":124,"start":1029.01,"end":1067.105},{"sentences":[{"text":"Okay?","start":1067.5651,"end":1068.0651,"sentiment":"neutral","sentiment_score":0.09510703384876253},{"text":"All good.","start":1070.38,"end":1071.04,"sentiment":"positive","sentiment_score":0.3830431252717972},{"text":"I'll send you in","start":1071.82,"end":1072.7,"sentiment":"neutral","sentiment_score":0.20149220153689384}],"sentiment":"neutral","sentiment_score":0.23816601293427603,"channel":0,"num_words":7,"start":1067.5651,"end":1072.7},{"sentences":[{"text":"Hello?","start":1072.625,"end":1073.125,"sentiment":"neutral","sentiment_score":0.13208481669425964}],"sentiment":"neutral","sentiment_score":0.13208481669425964,"channel":1,"num_words":1,"start":1072.625,"end":1073.125},{"sentences":[{"text":"a separate email shortly with a copy of those documents so you can run your eyes over them.","start":1072.7,"end":1077.6,"sentiment":"neutral","sentiment_score":0.22813840210437775},{"text":"If you have any questions, you are always welcome to let me know.","start":1077.66,"end":1081.04,"sentiment":"neutral","sentiment_score":0.3042379720852925},{"text":"And depending on how much you enjoy reading, I've also attached the financial services guide for us and any product disclosure statement to the email that you can also download to read as well.","start":1081.58,"end":1091.825,"sentiment":"neutral","sentiment_score":0.26718446437050314},{"text":"Okay.","start":1092.0449,"end":1092.5449,"sentiment":"neutral","sentiment_score":0.018572762608528137}],"sentiment":"neutral","sentiment_score":0.26006711251807935,"channel":0,"num_words":66,"start":1072.7,"end":1092.5449},{"sentences":[{"text":"Was there was there another email?","start":1093.94,"end":1095.86,"sentiment":"neutral","sentiment_score":-0.06437797596057256},{"text":"Because I've only got the ones that you want me to sign.","start":1095.86,"end":1099.495,"sentiment":"neutral","sentiment_score":-0.1357031005124251}],"sentiment":"neutral","sentiment_score":-0.11192805899514092,"channel":1,"num_words":18,"start":1093.94,"end":1099.495},{"sentences":[{"text":"That was the one that I sent literally just as you answered the phone call, but I can double check what else we got.","start":1101.74,"end":1110.7999,"sentiment":"neutral","sentiment_score":-0.09811189336081345}],"sentiment":"neutral","sentiment_score":-0.09811189336081345,"channel":0,"num_words":24,"start":1101.74,"end":1110.7999},{"sentences":[{"text":"Oh, that that was sixteen minutes ago.","start":1112.8401,"end":1115.16,"sentiment":"neutral","sentiment_score":-0.08508938976696559},{"text":"That must be 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another yeah.","start":1120.3949,"end":1121.4349,"sentiment":"neutral","sentiment_score":0.06595887492100398},{"text":"There was another one there with your annual review pack.","start":1121.4349,"end":1123.9149,"sentiment":"neutral","sentiment_score":0.08258920088410378},{"text":"That was from February, but you don't have to worry about signing that one because we added your ongoing service agreement to this segment of advice.","start":1123.9149,"end":1131.76,"sentiment":"neutral","sentiment_score":0.15415800248201078},{"text":"So that's all okay.","start":1131.76,"end":1132.7999,"sentiment":"neutral","sentiment_score":0.30885985493659973},{"text":"You've signed everything in that one document.","start":1132.7999,"end":1135.2999,"sentiment":"positive","sentiment_score":0.3936931278024401}],"sentiment":"neutral","sentiment_score":0.18046336024999618,"channel":0,"num_words":50,"start":1120.3949,"end":1135.2999},{"sentences":[{"text":"I try not to send too many of those over the time 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past.","start":1180.66,"end":1184.74,"sentiment":"neutral","sentiment_score":0.2749289376171012},{"text":"So I'm making a a huge effort to make sure they all get done.","start":1184.74,"end":1188.34,"sentiment":"positive","sentiment_score":0.384641027876309}],"sentiment":"neutral","sentiment_score":0.3203429910871718,"channel":0,"num_words":36,"start":1178.9249,"end":1188.34},{"sentences":[{"text":"So I will put you in my calendar.","start":1188.34,"end":1190.52,"sentiment":"neutral","sentiment_score":0.1807322520762682},{"text":"My team will give you a call in early December.","start":1190.9,"end":1193.62,"sentiment":"neutral","sentiment_score":0.13832964450120927},{"text":"We'll book in a bit of a catch up prior to everyone going through Christmas break, and we'll give you an update on what's been happening with your portfolio with the changes that we're making and see if there's any new advice that needs to be provided.","start":1193.62,"end":1205.685,"sentiment":"neutral","sentiment_score":0.1575902928697302},{"text":"How does that sound?","start":1205.7451,"end":1206.805,"sentiment":"neutral","sentiment_score":0.09455718472599983}],"sentiment":"neutral","sentiment_score":0.15382792703483417,"channel":0,"num_words":69,"start":1188.34,"end":1206.805},{"sentences":[{"text":"That's very good, though.","start":1207.815,"end":1208.875,"sentiment":"positive","sentiment_score":0.36982398480176926}],"sentiment":"positive","sentiment_score":0.36982398480176926,"channel":1,"num_words":4,"start":1207.815,"end":1208.875},{"sentences":[{"text":"Fantastic.","start":1209.6799,"end":1210.1799,"sentiment":"positive","sentiment_score":0.5543619394302368},{"text":"All good.","start":1210.5599,"end":1211.04,"sentiment":"positive","sentiment_score":0.35437358915805817},{"text":"Are you nearly at the 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attached.","start":1217.52,"end":1221.62,"sentiment":"neutral","sentiment_score":0.16358254154523214},{"text":"If you have any questions, please let me know.","start":1222.235,"end":1224.555,"sentiment":"neutral","sentiment_score":0.1638083060582479},{"text":"Don't hesitate to contact me, and I'll make sure we do attach up just before the Christmas break there as well.","start":1224.555,"end":1230.3351,"sentiment":"neutral","sentiment_score":0.13728542696861995}],"sentiment":"neutral","sentiment_score":0.15771974064409733,"channel":0,"num_words":48,"start":1216.32,"end":1230.3351},{"sentences":[{"text":"Okay?","start":1230.395,"end":1230.895,"sentiment":"neutral","sentiment_score":0.07697020471096039}],"sentiment":"neutral","sentiment_score":0.07697020471096039,"channel":0,"num_words":1,"start":1230.395,"end":1230.895},{"sentences":[{"text":"Could you tell me how much money have I actually got in my SuperNets?","start":1231.7899,"end":1234.9299,"sentiment":"neutral","sentiment_score":0.05471180512436798}],"sentiment":"neutral","sentiment_score":0.05471180512436798,"channel":1,"num_words":14,"start":1231.7899,"end":1234.9299},{"sentences":[{"text":"Oh, absolutely.","start":1235.5499,"end":1236.5299,"sentiment":"neutral","sentiment_score":0.22267098724842072},{"text":"Let me go and have a quick look in there.","start":1236.99,"end":1239.49,"sentiment":"neutral","sentiment_score":0.12676314562559127},{"text":"It could be it'll be different to what's in the advice document because that was done the other day, and Marcus updated again this afternoon.","start":1239.87,"end":1246.59,"sentiment":"neutral","sentiment_score":-0.018557816967368124},{"text":"So I'll just pop in there quickly and grab it for you.","start":1246.59,"end":1250.105,"sentiment":"neutral","sentiment_score":0.032733087272693716},{"text":"Sorry.","start":1252.165,"end":1252.5651,"sentiment":"neutral","sentiment_score":-0.08236350119113922}],"sentiment":"neutral","sentiment_score":0.031189231052994728,"channel":0,"num_words":50,"start":1235.5499,"end":1252.5651},{"sentences":[{"text":"Won't be two seconds.","start":1252.5651,"end":1253.4451,"sentiment":"neutral","sentiment_score":-0.11390428617596626},{"text":"I'm just logging in.","start":1253.4451,"end":1254.745,"sentiment":"neutral","sentiment_score":-0.05736152175813913}],"sentiment":"neutral","sentiment_score":-0.0856329039670527,"channel":0,"num_words":8,"start":1252.5651,"end":1254.745},{"sentences":[{"text":"Because after I spoke to you last time, it went down a 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I looked a few weeks ago, and it was back up from $2,272,000, I think it was.","start":1259.46,"end":1266.755,"sentiment":"neutral","sentiment_score":-0.01591375728862153}],"sentiment":"neutral","sentiment_score":-0.01591375728862153,"channel":1,"num_words":18,"start":1259.46,"end":1266.755},{"sentences":[{"text":"yeah.","start":1267.25,"end":1267.75,"sentiment":"neutral","sentiment_score":0.0042467275634408},{"text":"Yeah.","start":1267.89,"end":1268.29,"sentiment":"neutral","sentiment_score":0.013541290536522864},{"text":"So just after we did your annual review, that's when the peak of everything kinda hit with the markets between The US and Iran, what when Trump was doing a lot of that tweeting, that's when a lot of that the ups and downs were felt.","start":1268.29,"end":1279.965,"sentiment":"neutral","sentiment_score":-0.007649348117411137},{"text":"But","start":1280.585,"end":1280.825,"sentiment":"neutral","sentiment_score":0.024068087339401245}],"sentiment":"neutral","sentiment_score":-0.006326814448194844,"channel":0,"num_words":49,"start":1267.25,"end":1280.825},{"sentences":[{"text":"Yep.","start":1280.67,"end":1281.17,"sentiment":"neutral","sentiment_score":0.03268737345933914}],"sentiment":"neutral","sentiment_score":0.03268737345933914,"channel":1,"num_words":1,"start":1280.67,"end":1281.17},{"sentences":[{"text":"sitting there as of today, your balance is now at 290,905.","start":1280.825,"end":1286.925,"sentiment":"neutral","sentiment_score":0.07546923207965764}],"sentiment":"neutral","sentiment_score":0.07546923207965764,"channel":0,"num_words":11,"start":1280.825,"end":1286.925},{"sentences":[{"text":"Holy moly.","start":1287.63,"end":1288.69,"sentiment":"neutral","sentiment_score":0.1894834339618683}],"sentiment":"neutral","sentiment_score":0.1894834339618683,"channel":1,"num_words":2,"start":1287.63,"end":1288.69},{"sentences":[{"text":"Yeah.","start":1289.545,"end":1290.0,"sentiment":"neutral","sentiment_score":0.1193339079618454}],"sentiment":"neutral","sentiment_score":0.1193339079618454,"channel":0,"num_words":1,"start":1289.545,"end":1290.0},{"sentences":[{"text":"No.","start":1289.79,"end":1289.95,"sentiment":"neutral","sentiment_score":0.13663727045059204},{"text":"You're doing doing doing a good job with it, though.","start":1289.95,"end":1292.27,"sentiment":"positive","sentiment_score":0.46995545029640196},{"text":"I'm very happy.","start":1292.27,"end":1293.33,"sentiment":"positive","sentiment_score":0.6508888999621073}],"sentiment":"positive","sentiment_score":0.4849184623786381,"channel":1,"num_words":14,"start":1289.79,"end":1293.33},{"sentences":[{"text":"Fantastic.","start":1294.08,"end":1294.58,"sentiment":"positive","sentiment_score":0.7117080092430115},{"text":"Well, I wanna make sure after I make these changes and remove those underperforming investments that we keep building and growing on that for you because this is everything you've worked so hard for.","start":1295.36,"end":1304.74,"sentiment":"positive","sentiment_score":0.3418765508514993},{"text":"And when you get","start":1304.885,"end":1305.525,"sentiment":"positive","sentiment_score":0.38604336977005005}],"sentiment":"positive","sentiment_score":0.3558893389044664,"channel":0,"num_words":39,"start":1294.08,"end":1305.525},{"sentences":[{"text":"Yep.","start":1305.425,"end":1305.925,"sentiment":"positive","sentiment_score":0.3910888433456421}],"sentiment":"positive","sentiment_score":0.3910888433456421,"channel":1,"num_words":1,"start":1305.425,"end":1305.925},{"sentences":[{"text":"to 67, I wanna see you enjoying an amazing retirement and living your best life, and I'm I'm excited to be a part of that for you.","start":1305.525,"end":1314.8251,"sentiment":"positive","sentiment_score":0.6716856570155533}],"sentiment":"positive","sentiment_score":0.6716856570155533,"channel":0,"num_words":27,"start":1305.525,"end":1314.8251},{"sentences":[{"text":"Well, this this period does alright.","start":1315.16,"end":1317.0801,"sentiment":"neutral","sentiment_score":0.15917144467433295},{"text":"I'll be doing a few more.","start":1317.0801,"end":1318.04,"sentiment":"neutral","sentiment_score":0.1173153668642044},{"text":"I'll tell you.","start":1318.04,"end":1318.86,"sentiment":"neutral","sentiment_score":0.1129689837495486}],"sentiment":"neutral","sentiment_score":0.13318852136532466,"channel":1,"num_words":15,"start":1315.16,"end":1318.86},{"sentences":[{"text":"Fantastic.","start":1319.685,"end":1320.185,"sentiment":"positive","sentiment_score":0.5758699178695679},{"text":"Fantastic.","start":1320.96,"end":1321.46,"sentiment":"positive","sentiment_score":0.5679497718811035},{"text":"I'm excited to hear how that cruise, but you enjoy that eight weeks can't come really enough for you.","start":1322.96,"end":1328.58,"sentiment":"positive","sentiment_score":0.4406134141118903}],"sentiment":"positive","sentiment_score":0.4531178360893613,"channel":0,"num_words":21,"start":1319.685,"end":1328.58},{"sentences":[{"text":"Oh, no.","start":1329.045,"end":1329.6051,"sentiment":"neutral","sentiment_score":0.16690143197774887},{"text":"I can't wait.","start":1329.6051,"end":1330.245,"sentiment":"neutral","sentiment_score":0.22904508312543234},{"text":"I'm I'm kinda well, sir.","start":1330.245,"end":1333.4651,"sentiment":"neutral","sentiment_score":0.2258751720190048}],"sentiment":"neutral","sentiment_score":0.2150313973426819,"channel":1,"num_words":10,"start":1329.045,"end":1333.4651},{"sentences":[{"text":"Yeah.","start":1334.815,"end":1335.315,"sentiment":"neutral","sentiment_score":0.2997779846191406},{"text":"Well, you have an amazing time.","start":1335.375,"end":1337.0549,"sentiment":"positive","sentiment_score":0.6919927696386973},{"text":"I'll get this switch processed, get that email out to you.","start":1337.0549,"end":1339.775,"sentiment":"positive","sentiment_score":0.406990492885763},{"text":"My team will get the beneficiary nominations sorted and help you to have those applied, and I","start":1339.775,"end":1344.575,"sentiment":"positive","sentiment_score":0.3824413734323838}],"sentiment":"positive","sentiment_score":0.4408609535012926,"channel":0,"num_words":35,"start":1334.815,"end":1344.575},{"sentences":[{"text":"Yep.","start":1344.54,"end":1345.04,"sentiment":"positive","sentiment_score":0.4081400334835053}],"sentiment":"positive","sentiment_score":0.4081400334835053,"channel":1,"num_words":1,"start":1344.54,"end":1345.04},{"sentences":[{"text":"look forward to catching up with you in December and seeing how things are tracking.","start":1344.575,"end":1348.52,"sentiment":"positive","sentiment_score":0.44633569320042926},{"text":"Okay.","start":1348.5801,"end":1349.0801,"sentiment":"neutral","sentiment_score":0.13970565795898438}],"sentiment":"positive","sentiment_score":0.427171315997839,"channel":0,"num_words":16,"start":1344.575,"end":1349.0801},{"sentences":[{"text":"I I tried.","start":1349.1,"end":1350.56,"sentiment":"neutral","sentiment_score":0.14964875082174936}],"sentiment":"neutral","sentiment_score":0.14964875082174936,"channel":1,"num_words":3,"start":1349.1,"end":1350.56},{"sentences":[{"text":"Thank you so much for your time, Lyle.","start":1351.46,"end":1353.62,"sentiment":"positive","sentiment_score":0.6147278472781181},{"text":"I really appreciated you allowing me to run through this for you this afternoon.","start":1353.62,"end":1357.4,"sentiment":"positive","sentiment_score":0.6185404009052685},{"text":"I hope you have a good night, and I look forward to, you know, be moving forward in helping you and, yeah, implementing the advice.","start":1357.46,"end":1366.015,"sentiment":"positive","sentiment_score":0.7250780272483826}],"sentiment":"positive","sentiment_score":0.6745604057895377,"channel":0,"num_words":47,"start":1351.46,"end":1366.015},{"sentences":[{"text":"Yep.","start":1366.72,"end":1367.12,"sentiment":"neutral","sentiment_score":0.29506567120552063},{"text":"Okay then.","start":1367.12,"end":1367.94,"sentiment":"positive","sentiment_score":0.3594510704278946}],"sentiment":"positive","sentiment_score":0.33798927068710327,"channel":1,"num_words":3,"start":1366.72,"end":1367.94},{"sentences":[{"text":"Enjoy your night.","start":1368.7949,"end":1369.755,"sentiment":"positive","sentiment_score":0.5633585254351298},{"text":"Enjoy your beer or two or three.","start":1369.755,"end":1371.615,"sentiment":"positive","sentiment_score":0.4560774862766266}],"sentiment":"positive","sentiment_score":0.4882617980241776,"channel":0,"num_words":10,"start":1368.7949,"end":1371.615},{"sentences":[{"text":"Yep.","start":1372.24,"end":1372.48,"sentiment":"neutral","sentiment_score":0.24576687812805176},{"text":"I will.","start":1372.48,"end":1373.14,"sentiment":"positive","sentiment_score":0.4176985025405884}],"sentiment":"positive","sentiment_score":0.36038796106974286,"channel":1,"num_words":3,"start":1372.24,"end":1373.14},{"sentences":[{"text":"Have a good night.","start":1375.75,"end":1376.63,"sentiment":"positive","sentiment_score":0.6198211908340454},{"text":"Thank you so much for taking my call.","start":1376.63,"end":1378.39,"sentiment":"positive","sentiment_score":0.8722696676850319},{"text":"I truly appreciate it.","start":1378.39,"end":1379.93,"sentiment":"positive","sentiment_score":0.8506918400526047}],"sentiment":"positive","sentiment_score":0.8037630915641785,"channel":0,"num_words":16,"start":1375.75,"end":1379.93},{"sentences":[{"text":"I Nice talking to you","start":1380.32,"end":1382.445,"sentiment":"positive","sentiment_score":0.814302384853363}],"sentiment":"positive","sentiment_score":0.814302384853363,"channel":1,"num_words":5,"start":1380.32,"end":1382.445},{"sentences":[{"text":"You too.","start":1383.03,"end":1383.59,"sentiment":"positive","sentiment_score":0.6326927840709686},{"text":"Thanks, Lyle.","start":1383.59,"end":1384.39,"sentiment":"positive","sentiment_score":0.7100626230239868},{"text":"See you later.","start":1384.39,"end":1385.21,"sentiment":"positive","sentiment_score":0.5837138493855795}],"sentiment":"positive","sentiment_score":0.6338074803352356,"channel":0,"num_words":7,"start":1383.03,"end":1385.21},{"sentences":[{"text":"too.","start":1385.1449,"end":1385.6449,"sentiment":"neutral","sentiment_score":0.2994978129863739}],"sentiment":"neutral","sentiment_score":0.2994978129863739,"channel":1,"num_words":1,"start":1385.1449,"end":1385.6449},{"sentences":[{"text":"Bye.","start":1386.95,"end":1387.45,"sentiment":"neutral","sentiment_score":0.23447749018669128}],"sentiment":"neutral","sentiment_score":0.23447749018669128,"channel":0,"num_words":1,"start":1386.95,"end":1387.45},{"sentences":[{"text":"Yeah.","start":1387.865,"end":1388.0249,"sentiment":"neutral","sentiment_score":0.18538165092468264},{"text":"Bye.","start":1388.0249,"end":1388.5249,"sentiment":"neutral","sentiment_score":-0.12801285088062286}],"sentiment":"neutral","sentiment_score":0.02868440002202989,"channel":1,"num_words":2,"start":1387.865,"end":1388.5249}]},"summary":{"result":"success","short":"Lyle's estate planning goal is to reduce his hours and increase his pay for his wife, and he will receive a beneficiary nomination. The retirement planning process is recommended, including filling out a form and transferring investments to other funds. The importance of maintaining a target balance and the value of gold investments is emphasized. The agent offers annual reviews and a financial services guide, and reminds the customer to complete the switch of investments and follow up with them in December. The agent also reminds the customer to enjoy their time and offers assistance with their retirement."},"intents":{"segments":[{"text":"I had to book in just to run through your updated statement of advice. I've made some updated recommendations with regards to your super new portfolio. Is now still a good time there for you? Yeah.","start_word":31,"end_word":66,"intents":[{"intent":"Book meeting","confidence_score":0.10509775}]},{"text":"And just to do a really quick security check there for you as well, just because we are discussing your personal information, I'll just get you to confirm your full name, your date of birth, and address I should have on file there for you. Laurel Hoppy.","start_word":378,"end_word":424,"intents":[{"intent":"Confirm personal information","confidence_score":0.047062982}]},{"text":"Essentially, it's an updated statement of advice.","start_word":478,"end_word":484,"intents":[{"intent":"Update statement of advice","confidence_score":0.05154425}]},{"text":"But I was also able to save you a little bit in fees as well to reduce the cost the running cost of your super fund to make it a bit cheaper for you. Okay? Yep.","start_word":542,"end_word":577,"intents":[{"intent":"Save fees","confidence_score":0.51150507}]},{"text":"You're hoping to reduce hours and hopefully access the age pension and retire around about age 67, if not a little bit after.","start_word":685,"end_word":707,"intents":[{"intent":"Access age pension","confidence_score":0.14740062}]},{"text":"I've also scoped the estate planning side of things as well. So you we didn't have a beneficiary nomination on file, so it is really important that we do have a beneficiary updated for you. My team will send it to you, and we can please fill it if you'd like assistance with that as well.","start_word":742,"end_word":797,"intents":[{"intent":"Provide estate planning assistance","confidence_score":0.010125462}]},{"text":"So you we didn't have a beneficiary nomination on file, so it is really important that we do have a beneficiary updated for you. My team will send it to you, and we can please fill it if you'd like assistance with that as well.","start_word":753,"end_word":797,"intents":[{"intent":"Provide help with beneficiary nomination","confidence_score":0.00083795906}]},{"text":"I am recommending with your beneficiary, we nominate it as a binding non lasting beneficiary nomination. That means we'll get you to fill the format once. We'll put it on file. I'll check it with you on a regular basis, and you'll never have to fill out another nomination unless you choose to revoke or change the beneficiary on file. Does that make sense?","start_word":930,"end_word":993,"intents":[{"intent":"Provide beneficiary nomination","confidence_score":0.023178635}]},{"text":"I'm also recommending that you do speak to a solicitor and have a will and power of attorney set up, not just for yourself, but your family as well.","start_word":996,"end_word":1024,"intents":[{"intent":"Suggest contacting a solicitor","confidence_score":0.002074314}]},{"text":"Because I'm looking at super, we're not making any changes to your insurances at all. However, I have what's called limited scope the the insurances in. So because I've looked at your super and your insurances are paid out of your super funds, they do have an effect long term on your retirement income stream and your retirement figure.","start_word":1123,"end_word":1181,"intents":[{"intent":"Analyze super impact","confidence_score":0.00060042087}]},{"text":"When you come back, I'll have a review ready for you, and we'll I'll be asking you how it was, where you went, what you did so I you can tell me where to go next time on my holiday. All good.","start_word":1464,"end_word":1505,"intents":[{"intent":"Review super","confidence_score":0.53501046}]},{"text":"So with the super with the recommendations there, I am making a recommendation that we retain your hub twenty four super account.","start_word":1505,"end_word":1526,"intents":[{"intent":"Retain super account","confidence_score":0.5858865}]},{"text":"It has the most amount of investments available within an adviser platform, and it means that we can switch investments in a more tax effective way and make sure things keep working harder for you at the same time.","start_word":1686,"end_word":1724,"intents":[{"intent":"Move investments","confidence_score":0.015345491}]},{"text":"So I'm recommending that we switch your investments over. Essentially, one of the ones that was underperforming very heavily when we sort of last saw that was Benelow Australian equity. We wanted to look at removing that completely out of your portfolio, but we also wanted to make some changes.","start_word":1726,"end_word":1775,"intents":[{"intent":"Make changes","confidence_score":0.015214326}]},{"text":"So I'm looking to also move out the bank hybrid just because the government governments are looking to essentially remove these as an investment price down the track.","start_word":1776,"end_word":1803,"intents":[{"intent":"Remove bank hybrid","confidence_score":0.5293174},{"intent":"Remove investment price","confidence_score":0.03391934}]},{"text":"removing those couple of investments, we're also gonna remove the ClearBridge infrastructure income fund.","start_word":1863,"end_word":1876,"intents":[{"intent":"Remove investments","confidence_score":0.07451561}]},{"text":"I'm going to rebalance your portfolio a little bit as well.","start_word":1920,"end_word":1930,"intents":[{"intent":"Rebalancing portfolio","confidence_score":0.0029769111}]},{"text":"You're a little bit overexposed at the moment in your portfolio. We only wanna hold about 8%. You've got about 14 at the moment. So I'm just gonna sell some of the physical gold and redistribute the growth into other areas for you to keep your portfolio moving and working.","start_word":1966,"end_word":2015,"intents":[{"intent":"Manage portfolio","confidence_score":0.021058382}]},{"text":"got some cybersecurity. We only wanna hold about 5%, so I'm gonna sell a little bit of cybersecurity and essentially re balance your portfolio there.","start_word":2019,"end_word":2043,"intents":[{"intent":"Sell cybersecurity","confidence_score":0.79885715}]},{"text":"We've also got the beta shares Raffi 200.","start_word":2094,"end_word":2101,"intents":[{"intent":"Sell beta shares","confidence_score":0.08510488}]},{"text":"So this is tracking some of the top 200 companies on Australia by waiting.","start_word":2102,"end_word":2115,"intents":[{"intent":"Track companies","confidence_score":0.0025505668}]},{"text":"Aside from making those changes, we're going to buy into the India quality ETF because India has seen some great some great growth this year and is also expected provide greater growth down the track.","start_word":2144,"end_word":2178,"intents":[{"intent":"Buy raffi 200","confidence_score":0.025243953},{"intent":"Buy ida quality etf","confidence_score":0.0055175857}]},{"text":"Aside from making those changes, we're going to buy into the India quality ETF because India has seen some great some great growth this year and is also expected provide greater growth down the track. We wanna hold 5% of the India investment. We wanna hold 4% in global health care, so giving you global exposure to health care.","start_word":2144,"end_word":2202,"intents":[{"intent":"Provide global growth","confidence_score":0.0016676055}]},{"text":"To replace the standalone Australian equity, which is underperforming, I'm gonna hold the the the beta share of a 200.","start_word":2203,"end_word":2222,"intents":[{"intent":"Hold beta share","confidence_score":0.37105513}]},{"text":"We're also gonna hold the JPMorgan Global Enhanced Research Equity Fund. This is just giving you global exposure to equities across the entire globe and utilizing JPMorgan's research team to be able to work out where they buy and sell. It's giving you a little bit of active management in your portfolio currently, so we'll hold 15%.","start_word":2262,"end_word":2318,"intents":[{"intent":"Hold fund","confidence_score":0.2014009}]},{"text":"It's giving you a little bit of active management in your portfolio currently, so we'll hold 15%.","start_word":2302,"end_word":2318,"intents":[{"intent":"Maintain portfolio balance","confidence_score":0.00043771678}]},{"text":"One of the reasons I have to make the changes in the portfolio is that the newer portfolio has shown greater past performance. So in your current growth portfolio, when you sort of look at how it's been performing over the past five years, it's actually about 9.63%, which isn't bad, but the newer portfolio overall has averaged 10.53%.","start_word":2523,"end_word":2581,"intents":[{"intent":"Review portfolio performance","confidence_score":0.025522063}]},{"text":"So, realistically, we wanna be in the in a portfolio that's been performing greater because it gives you greater potential growth in the future. There's no change to your contributions or anything there.","start_word":2583,"end_word":2615,"intents":[{"intent":"Optimize portfolio performance","confidence_score":0.028342899}]},{"text":"Oh, did you? You probably saw them already. I'm sorry. I'm not even looking at my email. There you go. You have done. It looks like yeah. You have signed it. All good. Did you want me to email it to you as well? Do you do have a copy to run your eyes over?","start_word":2983,"end_word":3037,"intents":[{"intent":"Verifying documents","confidence_score":0.015796982}]},{"text":"You can that send it for to him, me? please. All good.","start_word":3053,"end_word":3064,"intents":[{"intent":"Sending documents","confidence_score":0.0020215681}]},{"text":"I'll send you in Hello? a separate email shortly with a copy of those documents so you can run your eyes over them. If you have any questions, you are always welcome to let me know. And depending on how much you enjoy reading, I've also attached the financial services guide for us and any product disclosure statement to the email that you can also download to read as well. Okay.","start_word":3241,"end_word":3311,"intents":[{"intent":"Providing information","confidence_score":0.09352016},{"intent":"Refusing to send documents","confidence_score":0.0022601031},{"intent":"Refusing to send documents","confidence_score":0.0061088786}]},{"text":"Was there was there another email? Because I've only got the ones that you want me to sign. That was the one that I sent literally just as you answered the phone call, but I can double check what else we got. Oh, that that was sixteen minutes ago. That must be the Yep. one that you got. I thought Yeah. you had another That another there one.","start_word":3312,"end_word":3379,"intents":[{"intent":"Expressing confusion","confidence_score":0.0042542014}]},{"text":"Because I've only got the ones that you want me to sign. That was the one that I sent literally just as you answered the phone call, but I can double check what else we got.","start_word":3318,"end_word":3353,"intents":[{"intent":"Refusing to accept documents","confidence_score":0.0003927586}]},{"text":"There was another one there with your annual review pack. That was from February, but you don't have to worry about signing that one because we added your ongoing service agreement to this segment of advice.","start_word":3383,"end_word":3418,"intents":[{"intent":"Confirm annual review","confidence_score":0.015750619}]},{"text":"I wanted to make sure once we complete the switch of your investments that we do catch up with you. I know we did have your annual review a few months back. Would you like me to do a review with you maybe just before Christmas to see how things are tracking with the newer portfolio and just to see how things are done with you generally, or would you just like to do a catch up with me instead? You are again when after Christmas.","start_word":3475,"end_word":3560,"intents":[{"intent":"Schedule review","confidence_score":0.14284468}]},{"text":"So I will put you in my calendar. My team will give you a call in early December. We'll book in a bit of a catch up prior to everyone going through Christmas break, and we'll give you an update on what's been happening with your portfolio with the changes that we're making and see if there's any new advice that needs to be provided. How does that sound?","start_word":3616,"end_word":3684,"intents":[{"intent":"Provide update","confidence_score":0.06631206}]},{"text":"Well, I will send you a separate email from my email with those documents attached. If you have any questions, please let me know. Don't hesitate to contact me, and I'll make sure we do attach up just before the Christmas break there as well. Okay?","start_word":3709,"end_word":3754,"intents":[{"intent":"Request contact","confidence_score":0.027642542}]},{"text":"Could you tell me how much money have I actually got in my SuperNets?","start_word":3755,"end_word":3768,"intents":[{"intent":"Inquire about supernets amount","confidence_score":0.024444582}]},{"text":"It could be it'll be different to what's in the advice document because that was done the other day, and Marcus updated again this afternoon.","start_word":3782,"end_word":3806,"intents":[{"intent":"Provide update","confidence_score":0.020663215}]},{"text":"It could be it'll be different to what's in the advice document because that was done the other day, and Marcus updated again this afternoon. So I'll just pop in there quickly and grab it for you. Sorry. Won't be two seconds. I'm just logging in. Because after I spoke to you last time, it went down a bit. Then Yeah.","start_word":3782,"end_word":3842,"intents":[{"intent":"Explain situation","confidence_score":0.0121936}]},{"text":"sitting there as of today, your balance is now at 290,905. Holy moly.","start_word":3912,"end_word":3924,"intents":[{"intent":"Acknowledge balance","confidence_score":0.0003019754}]},{"text":"I'm very happy. Fantastic.","start_word":3937,"end_word":3940,"intents":[{"intent":"Express satisfaction","confidence_score":0.04033019}]},{"text":"Thank you so much for your time, Lyle. I really appreciated you allowing me to run through this for you this afternoon.","start_word":4108,"end_word":4129,"intents":[{"intent":"Express gratitude","confidence_score":0.0019737673},{"intent":"Express gratitude","confidence_score":0.22652076},{"intent":"Compliment response","confidence_score":0.000019942006}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Lyle. This is Dana from OCU Financial. How are you this afternoon? No. I've had better days now. Oh, I'm so sorry Mhmm. to hear that. No. I totally. I had to book in just to run through your updated statement of advice. I've made some updated recommendations with regards to your super new portfolio. Is now still a good time there for you? Yeah. I just finished work. I just got the text. I thought I knew there was something coming up. Meeting would you know? I just checked my phone, and I just had a smoke, and then I said, oh, shit. That's Yeah. right. Oh, that's okay. Is NASA gonna be an okay time for you? I can make it fairly quick so we don't take up too much of your time.","start_word":0,"end_word":136,"sentiment":"neutral","sentiment_score":0.04085102304816246},{"text":"That's all good.","start_word":137,"end_word":139,"sentiment":"positive","sentiment_score":0.5358797907829285},{"text":"I'm just gonna change in the Yes. car park because I'm going to club to go and have a drink because Oh, I am so jealous of that. I still have till seven tonight. Yeah. No. That's all good.","start_word":140,"end_word":178,"sentiment":"neutral","sentiment_score":0.10584156960248949},{"text":"All good.","start_word":179,"end_word":180,"sentiment":"positive","sentiment_score":0.3521255850791931},{"text":"Well, I normally send the document through to your email. Oh, are you able to access your emails at the moment? If you can't, that's okay. I can run through the recommendations and let you have a look at them later. What would you prefer? Well, I'm just at home from the cab. Turn the ignition on, so it comes through the blue Yeah. too. Yeah. You're right. Hold on. I got a rate, ma'am. No. That's okay. If you like, what I'll do is I can run through the recommendations. I'll try to keep it as brief, but it goes through the things that I need to go through. I'll give you the advantages. I have disadvantages, risks involved, things like that. And then I'll let you go back. You can have a bit of a look at it when you've got some time ahead of you, maybe every weekend. Does that sound okay? Yep. Yep.","start_word":181,"end_word":337,"sentiment":"neutral","sentiment_score":0.06636626273393631},{"text":"Beautiful. All good, Lyle.","start_word":338,"end_word":341,"sentiment":"positive","sentiment_score":0.5359658002853394},{"text":"Well, before we jump into the call, I do have to let you know we do record the call moving forward for training and quality purposes.","start_word":342,"end_word":367,"sentiment":"neutral","sentiment_score":0.06267521530389786},{"text":"Are you happy for me to proceed with that? Fantastic.","start_word":368,"end_word":377,"sentiment":"positive","sentiment_score":0.40994423627853394},{"text":"And just to do a really quick security check there for you as well, just because we are discussing your personal information, I'll just get you to confirm your full name, your date of birth, and address I should have on file there for you. Laurel Hoppy. 611 Yep. 974. Hundred Yep. and 10 Road Serena. Yep.","start_word":378,"end_word":434,"sentiment":"neutral","sentiment_score":0.15302085876464844},{"text":"Beautiful.","start_word":435,"end_word":435,"sentiment":"positive","sentiment_score":0.6121885180473328},{"text":"Is that all you needed?","start_word":436,"end_word":440,"sentiment":"neutral","sentiment_score":0.2672916352748871},{"text":"That yeah. That's everything. You did well. Thank you so much for that. All good.","start_word":441,"end_word":455,"sentiment":"positive","sentiment_score":0.6302883625030518},{"text":"I have to send the email through to you, so it will be there when you get time to review the document. Essentially, it's an updated statement of advice. So I had sort of noted after reviewing your file, after your annual review, that it says that it has been for underperforming investment. So I went back and looked at your super investments you had and looked at updating your portfolio so that things are working harder for you, that you're in the best performing portfolio. But I was also able to save you a little bit in fees as well to reduce the cost the running cost of your super fund to make it a bit cheaper for you. Okay? Yep.","start_word":456,"end_word":577,"sentiment":"neutral","sentiment_score":0.134365513920784},{"text":"Excellent.","start_word":578,"end_word":578,"sentiment":"positive","sentiment_score":0.4184890389442444},{"text":"Essentially, with the advice piece on the very front, you'll notice it has been prepared for yourself as of today's date. We date it for the date on the of the presentation, which is today because all of our advice is valid for sixty days. On the bottom of the front page, it's also got my registration and license information. So I'm a licensed financial adviser, and my registration with ASIC is 1304394. Yep. Simply, I've scoped in superannuation and the investments within. Essentially, when we sort of spoke last time, your goal was that you were looking to sort of have your super working harder. You're hoping to reduce hours and hopefully access the age pension and retire around about age 67, if not a little bit after. Is that still sort of your goal? Are you still sort of on track for wanting that, or do you think your goal might have changed since then? Probably around about that. Yep.","start_word":579,"end_word":740,"sentiment":"neutral","sentiment_score":0.08441092910957926},{"text":"Beautiful. I've also scoped the estate planning side of things as well.","start_word":741,"end_word":752,"sentiment":"positive","sentiment_score":0.409254252910614},{"text":"So you we didn't have a beneficiary nomination on file, so it is really important that we do have a beneficiary updated for you. My team will send it to you, and we can please fill it if you'd like assistance with that as well. Your goal for your estate planning was that you wanted to have your wife and super paid out 50% to your wife, Samantha, 25% to each of your children in in the event that something was to happen to you. So at the moment, without having a beneficiary on file, it simply means that if you were to pass away currently, your state and your life proceeds are paid are sent to your estate. They have to go through their own probate process.","start_word":753,"end_word":880,"sentiment":"neutral","sentiment_score":0.18730118870735168},{"text":"So at least having your beneficiary on file and having it all up to date means that your wife can come and claim the benefit through us, that we can help her to receive the funds, and it's a much quicker, more streamlined process for them to go through. I am recommending with your beneficiary, we nominate it as a binding non lasting beneficiary nomination.","start_word":881,"end_word":945,"sentiment":"positive","sentiment_score":0.4153250753879547},{"text":"That means we'll get you to fill the format once. We'll put it on file. I'll check it with you on a regular basis, and you'll never have to fill out another nomination unless you choose to revoke or change the beneficiary on file. Does that make sense? Yeah.","start_word":946,"end_word":994,"sentiment":"neutral","sentiment_score":0.24389980733394623},{"text":"Beautiful.","start_word":995,"end_word":995,"sentiment":"positive","sentiment_score":0.5286442637443542},{"text":"I'm also recommending that you do speak to a solicitor and have a will and power of attorney set up, not just for yourself, but your family as well. So just making sure that these sort of things are done. If in the event that something happens to you, even well, having your beneficiaries on file, a will and a power of attorney sort of looks after all the other side of things. The will correlate everything. You've worked so hard for your savings, your car, all those other bits and pieces you have. And the power of attorney allows you to nominate someone who can make decisions on your behalf in the event that you're incapacitated or not able to make those decisions. Yep. Okay.","start_word":996,"end_word":1121,"sentiment":"neutral","sentiment_score":0.2375656139282953},{"text":"Excellent.","start_word":1122,"end_word":1122,"sentiment":"positive","sentiment_score":0.6002303957939148},{"text":"Because I'm looking at super, we're not making any changes to your insurances at all. However, I have what's called limited scope the the insurances in. So because I've looked at your super and your insurances are paid out of your super funds, they do have an effect long term on your retirement income stream and your retirement figure. So I've spoken into a limited scope just now. We're not making any changes or recommendations. You are happy with the level of cover you have. We just need to make sure we factor those into any projections that we essentially do up for you. Okay? We've also spaced out a few additional areas. If you don't have income protection and trauma. We're happy not to worry about obtaining those at the moment. If you decide to down the track, you can let me know, and we can have that conversation. I've scoped out retirement at the moment. So you're not you're getting there. You still got another you know, a bit over ten years ahead of you before you've accessed super currently. It's a sixteen year time horizon, so we're not looking at the drawdown side of things as of yet, but we will do as you get closer. And when you get to retirement, I'll not only look at how to access your super, how to draw things down, but I'll also factor in for you and any other area that you need to assist merger time it is. Okay. You also had a cruise plan to Vanuatu. Did you take that already, or was that coming up still? Eight weeks ago.","start_word":1123,"end_word":1395,"sentiment":"neutral","sentiment_score":0.07041621208190918},{"text":"Oh, I'm so excited for you. Can't wait.","start_word":1396,"end_word":1403,"sentiment":"positive","sentiment_score":0.5394757986068726},{"text":"Countdown is on. Maybe on record, that should be nine, ten, a half left a guy too if I can't.","start_word":1404,"end_word":1423,"sentiment":"neutral","sentiment_score":0.04905186593532562},{"text":"Yeah. I love it. I hope you have the best time. I'm so excited for you. I got me money. I I I'm gonna have good times.","start_word":1424,"end_word":1450,"sentiment":"positive","sentiment_score":0.6093494892120361},{"text":"I gotta be the money side of the whiteboard.","start_word":1451,"end_word":1459,"sentiment":"neutral","sentiment_score":0.23396724462509155},{"text":"Fantastic. Excellent. Excellent.","start_word":1460,"end_word":1462,"sentiment":"positive","sentiment_score":0.6106555461883545},{"text":"When you come back, I'll have a review ready for you, and we'll I'll be asking you how it was, where you went, what you did so I you can tell me where to go next time on my holiday.","start_word":1463,"end_word":1502,"sentiment":"neutral","sentiment_score":0.17913272976875305},{"text":"All good.","start_word":1503,"end_word":1504,"sentiment":"positive","sentiment_score":0.6198723912239075},{"text":"So with the super with the recommendations there, I am making a recommendation that we retain your hub twenty four super account. I do go back and review the super when I am reviewing things like this just to make sure that you are in the best fund. Essentially, if we had have looked at moving you into any other fund, we would have been triggering a much bigger CDT cost to your super fund. So believe it or not, you do your tax return every year, but so does your super fund. So your super does a tax return every year. It pays income tax and capital gains tax on on the inside of things there. And if I had a book to sell down your total portfolio and move you to another fund, we would have been triggering a capital gains tax of just over $7,900. So in the interest of keeping your super working harder, I didn't wanna trigger as big a capital gains tax, and HubSpot is not a bad platform.","start_word":1505,"end_word":1679,"sentiment":"neutral","sentiment_score":-0.04243270680308342},{"text":"There's lots of benefits to it. It has the most amount of investments available within an adviser platform, and it means that we can switch investments in a more tax effective way and make sure things keep working harder for you at the same time.","start_word":1680,"end_word":1724,"sentiment":"positive","sentiment_score":0.4732884466648102},{"text":"Yep. So I'm recommending that we switch your investments over. Essentially, one of the ones that was underperforming very heavily when we sort of last saw that was Benelow Australian equity. We wanted to look at removing that completely out of your portfolio, but we also wanted to make some changes. So I'm looking to also move out the bank hybrid just because the government governments are looking to essentially remove these as an investment price down the track. So whilst I'm making changes to your portfolio now, we'll look to remove those as well. I'm also gonna move the the global agriculture in there as well. So it's not a bad investment, but it hasn't really been performing as well as late. So we wanna see remove that and replace it for you. Aside from Yep. removing those couple of investments, we're also gonna remove the ClearBridge infrastructure income fund. So infrastructure has had a bit of a downtime recently, especially with the changes that are happening within the government and the property side of things. So I wanted to remove that for you as well and replace it with something better performing. Yep. I'm going to rebalance your portfolio a little bit as well. So you've got physical gold, which is doing very, very well.","start_word":1725,"end_word":1941,"sentiment":"neutral","sentiment_score":-0.03276278687992953},{"text":"We all love a bit of physical gold.","start_word":1942,"end_word":1949,"sentiment":"positive","sentiment_score":0.3594701290130615},{"text":"It has had its ups and downs this year, but it has overall been performing nicely. You're a little bit overexposed at the moment in your portfolio. We only wanna hold about 8%. You've got about 14 at the moment. So I'm just gonna sell some of the physical gold and redistribute the growth into other areas for you to keep your portfolio moving and working. You've also Yep. got some cybersecurity. We only wanna hold about 5%, so I'm gonna sell a little bit of cybersecurity and essentially re balance your portfolio there. You've also got the S and P 500 and US equities, whilst the ups and downs have actually been doing very well. You're sitting at about 28%. I only wanna hold 20%, so I'm gonna sell some of those off as well and just rebalance you back a little bit. We've also got the beta shares Raffi 200. So this is tracking some of the top 200 companies on Australia by waiting. And, essentially, we wanna hold 15%. You've got 17% there at the moment. We're selling some of that off to rebalance you back a little bit as well. Aside from making those changes, we're going to buy into the India quality ETF because India has seen some great some great growth this year and is also expected provide greater growth down the track. We wanna hold 5% of the India investment. We wanna hold 4% in global health care, so giving you global exposure to health care. To replace the standalone Australian equity, which is underperforming, I'm gonna hold the the the beta share of a 200.","start_word":1950,"end_word":2222,"sentiment":"neutral","sentiment_score":0.10618237406015396},{"text":"So it's giving you more exposure to 200 companies on the ASX, and is that that along with the RAP is essentially giving you much greater exposure, and it's giving you more diversification into the Australian market as well.","start_word":2223,"end_word":2261,"sentiment":"positive","sentiment_score":0.5084406733512878},{"text":"We're also gonna hold the JPMorgan Global Enhanced Research Equity Fund.","start_word":2262,"end_word":2272,"sentiment":"neutral","sentiment_score":0.3291222155094147},{"text":"This is just giving you global exposure to equities across the entire globe and utilizing JPMorgan's research team to be able to work out where they buy and sell. It's giving you a little bit of active management in your portfolio currently, so we'll hold 15%.","start_word":2273,"end_word":2318,"sentiment":"positive","sentiment_score":0.4541044235229492},{"text":"And because we still want to you're in that growth environment there, which is about eighty twenty split between gross defensive investments, we still wanna hold some low risk defensive investments like cash and bonds.","start_word":2319,"end_word":2353,"sentiment":"neutral","sentiment_score":0.30251064896583557},{"text":"So we're gonna buy in to the iShares yield plus, which is giving you high interest income and also the core composite bond.","start_word":2354,"end_word":2376,"sentiment":"positive","sentiment_score":0.3549425005912781},{"text":"So bonds are also more of a defensive investment holding them. They help to produce income. Income from these sorts of investments is paid into your cash account and reinvested into your portfolio for compounding. That is a a lot, and I fully get that when you're not looking at the document. Do you have any questions at the moment? I'm sorry, Lyle. You're alright. I'm I'm not really on the same much of it, but yeah. You're saying Yeah. When you look at that when you look at the document on page 19 there, you'll see I've got some red and green. Anything in the red, we're gonna be selling off, and anything in the green, we're gonna be purchasing. And the last column is your target balance. It shows you what we're gonna end up once we've made those changes there for you. Okay? One of the reasons I have to make the changes in the portfolio is that the newer portfolio has shown greater past performance. So in your current growth portfolio, when you sort of look at how it's been performing over the past five years, it's actually about 9.63%, which isn't bad, but the newer portfolio overall has averaged 10.53%.","start_word":2377,"end_word":2581,"sentiment":"neutral","sentiment_score":0.1492430716753006},{"text":"So, realistically, we wanna be in the in a portfolio that's been performing greater because it gives you greater potential growth in the future.","start_word":2582,"end_word":2605,"sentiment":"positive","sentiment_score":0.412659227848053},{"text":"There's no change to your contributions or anything there. And as I kinda mentioned before, there are CGT impact for being able to change your portfolio. So in order to make these changes here, I have with the recent, and we estimate your your super funds will pay CGT of $710. So in order to make these changes, it's only a small $710 CGT bill for your super fund to take care of, and then you'll be in a much more greater performing fund.","start_word":2606,"end_word":2689,"sentiment":"neutral","sentiment_score":0.2565251290798187},{"text":"When it comes to the fees, as I kinda mentioned before, this portfolio is a bit cheaper. It's actually gonna save you for the first year about $544 in investment fees. So this portfolio performs much greater over the longer term. It's cheaper for you, and it's also providing you with greater diversification while keeping your asset allocation in the right sort of area.","start_word":2690,"end_word":2753,"sentiment":"positive","sentiment_score":0.6043322086334229},{"text":"So all in all, I kinda weighed up the options, and this is the best way to go to make sure that things are updated, that we're removing any underperforming investments, and that we're keeping your super working harder for you over the longer term. Does that make sense? Do you have any questions? No? All good. All good. That is essentially the bulk of the recommendations, the only other one there as I've collected before with the beneficiary nominations. So what I'll get you to do is you're welcome to have a bit of a range of the document there when you do get some time. If you find you have any questions, please do let me know. I do outline more around the advantages, the disadvantages, and the risks involved. And if you, you know, come back with any questions, I'll make time to answer them.","start_word":2754,"end_word":2901,"sentiment":"neutral","sentiment_score":0.20166164636611936},{"text":"If you raise your hand, you decide you're happy just to take the recommendations on board, I'll get you to sign the document and return it back there for me just so we can have those updates made, have the investment switch completed nice and quick for you so you can benefit from that long term.","start_word":2902,"end_word":2957,"sentiment":"positive","sentiment_score":0.48860108852386475},{"text":"And then we wanna make sure that we do review that with you regularly. I'm so sorry. And I was showing some documents there before. Oh, did you? You probably saw them already. I'm sorry. I'm not even looking at my email. There you go. You have done. It looks like yeah. You have signed it.","start_word":2958,"end_word":3013,"sentiment":"neutral","sentiment_score":0.03191217723568635},{"text":"All good.","start_word":3014,"end_word":3015,"sentiment":"positive","sentiment_score":0.48152416944503784},{"text":"Did you want me to email it to you as well? Do you do have a copy to run your eyes over? I'm so sorry, La. I missed that. Can I get you to Yeah. repeat Yeah. You can that send it for to him, me? please. All good. Not an issue at all. The other document we did have attached there for you is your ongoing service agreement for the next twelve months. So you are an ongoing client. You do pay the 1.65% for our services, and that just continues for the next twelve months there. So one of the documents that was attached to the SOA is the updated agreement for the next twelve months there as well. The the only other thing is we're not making any changes to your insurance, but we do like to make sure we're open with the remuneration, How your insurer do pay us an ongoing pre an ongoing commission of 22% of the premium. It's just disclosed in the advice document for you so you're aware of that. It has no effect on our recommendations or anything to do with the insurances. It's just what we receive for writing the policy, and we just like to make sure we're open and disclose any remuneration that we receive from any of the providers. Okay?","start_word":3016,"end_word":3238,"sentiment":"neutral","sentiment_score":0.058206427842378616},{"text":"All good.","start_word":3239,"end_word":3240,"sentiment":"positive","sentiment_score":0.3803390860557556},{"text":"I'll send you in Hello? a separate email shortly with a copy of those documents so you can run your eyes over them. If you have any questions, you are always welcome to let me know. And depending on how much you enjoy reading, I've also attached the financial services guide for us and any product disclosure statement to the email that you can also download to read as well. Okay. Was there was there another email? Because I've only got the ones that you want me to sign. That was the one that I sent literally just as you answered the phone call, but I can double check what else we got. Oh, that that was sixteen minutes ago. That must be the Yep. one that you got. I thought Yeah. you had another That another there one. was another yeah. There was another one there with your annual review pack. That was from February, but you don't have to worry about signing that one because we added your ongoing service agreement to this segment of advice. So that's all okay.","start_word":3241,"end_word":3422,"sentiment":"neutral","sentiment_score":0.0983657421400914},{"text":"You've signed everything in that one document.","start_word":3423,"end_word":3429,"sentiment":"positive","sentiment_score":0.38582664728164673},{"text":"I try not to send too many of those over the time through, so we try to put the documents all in one to make it a bit easier on you. Otherwise, you could spend your life signing documents really, couldn't you? Yeah. Oh, good. I wanted to make sure once we complete the switch of your investments that we do catch up with you. I know we did have your annual review a few months back. Would you like me to do a review with you maybe just before Christmas to see how things are tracking with the newer portfolio and just to see how things are done with you generally, or would you just like to do a catch up with me instead? You are again when after Christmas. What would be kind of preferable for you moving forward? You can probably do one around by Christmas time. Yep. Yep.","start_word":3430,"end_word":3581,"sentiment":"neutral","sentiment_score":0.14619939029216766},{"text":"Beautiful.","start_word":3582,"end_word":3582,"sentiment":"positive","sentiment_score":0.5461891889572144},{"text":"Wanna make sure that we do do those catch ups that, you know, we had promised over the past.","start_word":3583,"end_word":3601,"sentiment":"neutral","sentiment_score":0.27283811569213867},{"text":"So I'm making a a huge effort to make sure they all get done.","start_word":3602,"end_word":3615,"sentiment":"positive","sentiment_score":0.37863826751708984},{"text":"So I will put you in my calendar. My team will give you a call in early December. We'll book in a bit of a catch up prior to everyone going through Christmas break, and we'll give you an update on what's been happening with your portfolio with the changes that we're making and see if there's any new advice that needs to be provided. How does that sound?","start_word":3616,"end_word":3684,"sentiment":"neutral","sentiment_score":0.15367257595062256},{"text":"That's very good, though. Fantastic. All good.","start_word":3685,"end_word":3691,"sentiment":"positive","sentiment_score":0.3862181901931762},{"text":"Are you nearly at the pub? Yeah. Just sitting in the car park now. Legend. All good. Well, I will send you a separate email from my email with those documents attached. If you have any questions, please let me know. Don't hesitate to contact me, and I'll make sure we do attach up just before the Christmas break there as well. Okay? Could you tell me how much money have I actually got in my SuperNets? Oh, absolutely. Let me go and have a quick look in there. It could be it'll be different to what's in the advice document because that was done the other day, and Marcus updated again this afternoon. So I'll just pop in there quickly and grab it for you. Sorry. Won't be two seconds. I'm just logging in. Because after I spoke to you last time, it went down a bit. Then Yeah. I That's I I looked a few weeks ago, and it was back up from $2,272,000, I think it was. yeah. Yeah. So just after we did your annual review, that's when the peak of everything kinda hit with the markets between The US and Iran, what when Trump was doing a lot of that tweeting, that's when a lot of that the ups and downs were felt. But Yep. sitting there as of today, your balance is now at 290,905. Holy moly. Yeah. No.","start_word":3692,"end_word":3926,"sentiment":"neutral","sentiment_score":0.043166368494325494},{"text":"You're doing doing doing a good job with it, though. I'm very happy. Fantastic. Well, I wanna make sure after I make these changes and remove those underperforming investments that we keep building and growing on that for you because this is everything you've worked so hard for. And when you get Yep. to 67, I wanna see you enjoying an amazing retirement and living your best life, and I'm I'm excited to be a part of that for you.","start_word":3927,"end_word":4006,"sentiment":"positive","sentiment_score":0.4935370981693268},{"text":"Well, this this period does alright. I'll be doing a few more. I'll tell you.","start_word":4007,"end_word":4021,"sentiment":"neutral","sentiment_score":0.12744653224945068},{"text":"Fantastic. Fantastic. I'm excited to hear how that cruise, but you enjoy that eight weeks can't come really enough for you.","start_word":4022,"end_word":4042,"sentiment":"positive","sentiment_score":0.4657629132270813},{"text":"Oh, no. I can't wait. I'm I'm kinda well, sir. Yeah.","start_word":4043,"end_word":4053,"sentiment":"neutral","sentiment_score":0.22250762581825256},{"text":"Well, you have an amazing time. I'll get this switch processed, get that email out to you. My team will get the beneficiary nominations sorted and help you to have those applied, and I Yep. look forward to catching up with you in December and seeing how things are tracking.","start_word":4054,"end_word":4103,"sentiment":"positive","sentiment_score":0.44606056809425354},{"text":"Okay. I I tried.","start_word":4104,"end_word":4107,"sentiment":"neutral","sentiment_score":0.15389277040958405},{"text":"Thank you so much for your time, Lyle. I really appreciated you allowing me to run through this for you this afternoon. I hope you have a good night, and I look forward to, you know, be moving forward in helping you and, yeah, implementing the advice.","start_word":4108,"end_word":4154,"sentiment":"positive","sentiment_score":0.6678884092797625},{"text":"Yep.","start_word":4155,"end_word":4155,"sentiment":"neutral","sentiment_score":0.29506567120552063},{"text":"Okay then. Enjoy your night. Enjoy your beer or two or three.","start_word":4156,"end_word":4167,"sentiment":"positive","sentiment_score":0.4584396481513977},{"text":"Yep.","start_word":4168,"end_word":4168,"sentiment":"neutral","sentiment_score":0.24576687812805176},{"text":"I will. Have a good night. Thank you so much for taking my call. I truly appreciate it. I Nice talking to you You too. Thanks, Lyle. See you later.","start_word":4169,"end_word":4198,"sentiment":"positive","sentiment_score":0.7191869616508484},{"text":"too. Bye. Yeah. Bye.","start_word":4199,"end_word":4202,"sentiment":"neutral","sentiment_score":0.22116771340370175}],"average":{"sentiment":"neutral","sentiment_score":0.171867902631713}}}}