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So, yeah, what I was saying was, yeah, it it's it's got a it's it's we we don't invest in anything that's, you know, super risky or that is brand new to market. We're not looking to, you know, find the next upcoming thing. We're looking at long term valuable assets, and then we're looking to make tweaks as we go along. We're not looking to full up you know, upheaval of the portfolio every year, but, you know, small waiting tweaks or the incorporation of the little little changes here and there to keep up to date with where the market's heading is what we wanna do moving forward. Now I've chosen Hub twenty four because it offers the availability to invest in such a manner. Australian Retirement Trust doesn't allow your industry funds don't offer that that flexibility with the investments. And and outside of that, Hub twenty four actually allow us to do what's called in species investing. So it's where we can, basically, rather than go to market and buy the assets at market price and have to pay for brokerage fees, we are able to just trade within Hub twenty four and basically swap assets with other members of Hub twenty four without having to go and pay brokerage. So it's a lot more cost effective for you in the long run. Now outside of that, the insurance we kinda were already kinda went over with respect to what we're gonna do insurance wise. Oh, actually, let me circle back. The superannuation side of things. Even with the change and the increase in the insurance premiums that I recommended, we are still sitting much better projection wise moving forward, and both outcomes, both your Australian Retirement Trust Fund, the way it currently operates, and my recommendations does actually see you over $500,000. So we're definitely hitting that $400,000 mark, which is great. I'm hitting it a little bit further, and, obviously, with the, you know, reducing your premiums on your insurance, not wanting to go ahead with the whole 120 and change, we're gonna hit that mark a little bit better because we're not gonna have that compounding effect coming out of the fund. And as we go through and, you know, you do get older or, you know, you don't want the insurance there as a as a backfall, we can decrease that policy and, as a backfall, we can decrease that policy and and eventually drop it entirely once you you're in a position and once you're comfortable to basically self insure and not have that that policy there anymore. Yeah. When you retire from work, we we definitely cancel the total permanent disability cover, and that's because we can only claim it while we are working. Once you cease working, it's not a claimable asset anymore. So it is it is very much a policy that's only there for when you're working. Yeah. Once you leave work, PPD, we would we we would look to face. But the life insurance policy, that can be there for as long as possible. It just depends on what your aim with that policy is. If you were just wanting to leave it there to, you know, help out the family or leave a bit of a a benefit for, you know, friends, family, kids, grandkids, whatever the case may be, then then that's that's absolutely fine. It's just it's very, very independent in what people do with life insurance policies. So that's why any conversation I have with a client differs to another conversation I have with another client because everyone wants a policy for a different reason type of thing. But some mhmm. Yeah. Yeah. We can look at we can look at increasing the life insurance, but we we you don't automatically double it. Generally, the life insurance policy would just stay as it is, and and the the the the TPD benefit would just drop it off, which would decrease your premiums. Yeah. Yeah. And we'll talk about we'll talk about it every year when we do your complete annual review, But it also becomes a talking point because, like, we're gonna be caught in contact with you quite a bit over the next little bit to get everything implemented. Once everything's implemented, we'll kinda drop back a little bit to contacting you at your preference time. So whether that's quarterly, half yearly, or just a yearly touch base, that's up to you with how often we engage, and and and you could definitely set that parameter. So, otherwise, yeah, the insurance yeah. If you want me to decrease it, just I just need you to put that in writing, and then I can I can proceed with with just altering that that side of things? But, otherwise, what I what I want you to do, because we don't have any CIS dependent nominated people, so CIS is the Superannuation Industry Act. What I wanna do is nominate your lead personal representative, which means that the super fund, the insurance policy that's attached to the fund will pay to your estate, and I'm therefore recommending that we do get a will in place. Because if we don't have a will in place that's up to date and has been reviewed and that does support your wishes. So so long as so long as you're comfortable that it definitely does that perfect, then that's absolutely fine. So then your legal personal representative is a a valid nomination and that there's there's no concerns with you passing away in test date, which is without without a will. Of course, if any of your personal position changes, they're definitely going and get that all reviewed. Yeah. Yeah. Yeah. It's kind of it's always a bit of a funny thing when we when you kind of realize that life has rolled on and and all of a sudden the the wheel might not be as up to date as what we thought it was. Yeah. Yeah. Of course. Oh, very much one massive kick, which is good. So moving forward, what we what we would do is we would proceed with basically, proceed with with getting the the superannuation fund mostly rolled over. So we'd leave a very small amount of money until we transferred the insurances. The ones Yeah. Correct. The one thing that we would need is we'd need a statement from ART with your insurances attached from it's a request you'd have to put in with ART for a specific request, unfortunately, requesting basically what's called a certificate of currency. My team can can kinda kinda help you navigate how to do that during Monday's call, but we we need that to submit to Hub twenty four when we transfer the insurance. That's the painful part. But other than that, we take care of everything else on the on the side of that. Okay? Outside of that, I recommend that we where did it go? Sorry. I've scrolled up and down the document because I skipped ahead to the insurance. So now I'm, like, going back. With the with the, you know, creation of your new account, we obviously need to change your super current contributions, including the salary sacrifice arrangements and your employer based contributions over to the hub twenty four fund, we send you out the contribution form. And because both of your accounts will be open for a period of time, we let you know before we roll the final amount over from ART, and we always do a check to make sure that there's been sort of a payment that's landed, and you have to pay full before we do that. We'll get con confirmation from you that you've already, you know, made that change with your employer and, you know, you just we would some employers pay quarterly, So we won't obviously wait until, you know, a quarterly payment comes in. But if they pay weekly, fortnightly, monthly, then that's okay. Yeah. Perfect. Yeah. So it shouldn't hopefully take that long to get everything up set up. We we we hope to get everything sort of in line pretty quickly for you so that way it's less of a headache for you when it can just roll nicely from there. But, yeah, other than that, once once we get everything implemented, yeah, you you're able to sort of, I guess, nominate how often we contact you, and I can have that on file and sort of preset up those sort of rough meeting dates where we would reach out to you. So, I guess, now's the best time. Do you have a best contact time for us to reach out to you? Mornings, afternoons, a specific date? Or yep. And do you have like, do did you want us to reach out and contact you quarterly, half yearly, or just annually? Half yearly? Yeah. Absolutely. Perfect. Absolutely. No. That's awesome. So I'll just kind of preset our next kind of appointment. So that way, it's there, and we can reach out to you in kind of six months' time after we get everything implemented and touch base. Okay? Amazing. Perfect. Well, outside of that, did you have any questions for me that you may have wanted answered? Yeah. Amazing. No. That's perfect. I love that it makes sense. I know it's sometimes it can be a lot. Yeah. Good. Sometimes it can be a lot, and I know that the document has a lot in it. And so I always hope that that it has as clear as mud sometimes. Alright. Perfect. Well, I will leave you alone for the afternoon so you can get on, and my team will reach out to you on Monday to have a chat and go through I guess, officially welcome you to the tea. Amazing. Perfect. Well, it was a pleasure, and we'll speak soon. No problems at all. Have a good one. K. Bye, Sandra. 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Sandra. Sorry about that. I don't know what happened. The call just dropped. Just to let you know, our our calls are recorded.\n\nSo, yeah, what I was saying was, yeah, it it's it's got a it's it's we we don't invest in anything that's, you know, super risky or that is brand new to market. We're not looking to, you know, find the next upcoming thing. We're looking at long term valuable assets, and then we're looking to make tweaks as we go along. We're not looking to full up you know, upheaval of the portfolio every year, but, you know, small waiting tweaks or the incorporation of the little little changes here and there to keep up to date with where the market's heading is what we wanna do moving forward. Now I've chosen Hub twenty four because it offers the availability to invest in such a manner.\n\nAustralian Retirement Trust doesn't allow your industry funds don't offer that that flexibility with the investments. And and outside of that, Hub twenty four actually allow us to do what's called in species investing. So it's where we can, basically, rather than go to market and buy the assets at market price and have to pay for brokerage fees, we are able to just trade within Hub twenty four and basically swap assets with other members of Hub twenty four without having to go and pay brokerage. So it's a lot more cost effective for you in the long run. Now outside of that, the insurance we kinda were already kinda went over with respect to what we're gonna do insurance wise.\n\nOh, actually, let me circle back. The superannuation side of things. Even with the change and the increase in the insurance premiums that I recommended, we are still sitting much better projection wise moving forward, and both outcomes, both your Australian Retirement Trust Fund, the way it currently operates, and my recommendations does actually see you over $500,000. So we're definitely hitting that $400,000 mark, which is great. I'm hitting it a little bit further, and, obviously, with the, you know, reducing your premiums on your insurance, not wanting to go ahead with the whole 120 and change, we're gonna hit that mark a little bit better because we're not gonna have that compounding effect coming out of the fund.\n\nAnd as we go through and, you know, you do get older or, you know, you don't want the insurance there as a as a backfall, we can decrease that policy and, as a backfall, we can decrease that policy and and eventually drop it entirely once you you're in a position and once you're comfortable to basically self insure and not have that that policy there anymore. Yeah. When you retire from work, we we definitely cancel the total permanent disability cover, and that's because we can only claim it while we are working. Once you cease working, it's not a claimable asset anymore. So it is it is very much a policy that's only there for when you're working.\n\nYeah. Once you leave work, PPD, we would we we would look to face. But the life insurance policy, that can be there for as long as possible. It just depends on what your aim with that policy is. If you were just wanting to leave it there to, you know, help out the family or leave a bit of a a benefit for, you know, friends, family, kids, grandkids, whatever the case may be, then then that's that's absolutely fine.\n\nIt's just it's very, very independent in what people do with life insurance policies. So that's why any conversation I have with a client differs to another conversation I have with another client because everyone wants a policy for a different reason type of thing. But some mhmm. Yeah. Yeah.\n\nWe can look at we can look at increasing the life insurance, but we we you don't automatically double it. Generally, the life insurance policy would just stay as it is, and and the the the the TPD benefit would just drop it off, which would decrease your premiums. Yeah. Yeah. And we'll talk about we'll talk about it every year when we do your complete annual review, But it also becomes a talking point because, like, we're gonna be caught in contact with you quite a bit over the next little bit to get everything implemented.\n\nOnce everything's implemented, we'll kinda drop back a little bit to contacting you at your preference time. So whether that's quarterly, half yearly, or just a yearly touch base, that's up to you with how often we engage, and and and you could definitely set that parameter. So, otherwise, yeah, the insurance yeah. If you want me to decrease it, just I just need you to put that in writing, and then I can I can proceed with with just altering that that side of things? But, otherwise, what I what I want you to do, because we don't have any CIS dependent nominated people, so CIS is the Superannuation Industry Act.\n\nWhat I wanna do is nominate your lead personal representative, which means that the super fund, the insurance policy that's attached to the fund will pay to your estate, and I'm therefore recommending that we do get a will in place. Because if we don't have a will in place that's up to date and has been reviewed and that does support your wishes. So so long as so long as you're comfortable that it definitely does that perfect, then that's absolutely fine. So then your legal personal representative is a a valid nomination and that there's there's no concerns with you passing away in test date, which is without without a will. Of course, if any of your personal position changes, they're definitely going and get that all reviewed.\n\nYeah. Yeah. Yeah. It's kind of it's always a bit of a funny thing when we when you kind of realize that life has rolled on and and all of a sudden the the wheel might not be as up to date as what we thought it was. Yeah.\n\nYeah. Of course. Oh, very much one massive kick, which is good. So moving forward, what we what we would do is we would proceed with basically, proceed with with getting the the superannuation fund mostly rolled over. So we'd leave a very small amount of money until we transferred the insurances.\n\nThe ones Yeah. Correct. The one thing that we would need is we'd need a statement from ART with your insurances attached from it's a request you'd have to put in with ART for a specific request, unfortunately, requesting basically what's called a certificate of currency. My team can can kinda kinda help you navigate how to do that during Monday's call, but we we need that to submit to Hub twenty four when we transfer the insurance. That's the painful part.\n\nBut other than that, we take care of everything else on the on the side of that. Okay? Outside of that, I recommend that we where did it go? Sorry. I've scrolled up and down the document because I skipped ahead to the insurance.\n\nSo now I'm, like, going back. With the with the, you know, creation of your new account, we obviously need to change your super current contributions, including the salary sacrifice arrangements and your employer based contributions over to the hub twenty four fund, we send you out the contribution form. And because both of your accounts will be open for a period of time, we let you know before we roll the final amount over from ART, and we always do a check to make sure that there's been sort of a payment that's landed, and you have to pay full before we do that. We'll get con confirmation from you that you've already, you know, made that change with your employer and, you know, you just we would some employers pay quarterly, So we won't obviously wait until, you know, a quarterly payment comes in. But if they pay weekly, fortnightly, monthly, then that's okay.\n\nYeah. Perfect. Yeah. So it shouldn't hopefully take that long to get everything up set up. We we we hope to get everything sort of in line pretty quickly for you so that way it's less of a headache for you when it can just roll nicely from there.\n\nBut, yeah, other than that, once once we get everything implemented, yeah, you you're able to sort of, I guess, nominate how often we contact you, and I can have that on file and sort of preset up those sort of rough meeting dates where we would reach out to you. So, I guess, now's the best time. Do you have a best contact time for us to reach out to you? Mornings, afternoons, a specific date? Or yep.\n\nAnd do you have like, do did you want us to reach out and contact you quarterly, half yearly, or just annually? Half yearly? Yeah. Absolutely. Perfect.\n\nAbsolutely. No. That's awesome. So I'll just kind of preset our next kind of appointment. So that way, it's there, and we can reach out to you in kind of six months' time after we get everything implemented and touch base.\n\nOkay? Amazing. Perfect. Well, outside of that, did you have any questions for me that you may have wanted answered? Yeah.\n\nAmazing. No. That's perfect. I love that it makes sense. I know it's sometimes it can be a lot.\n\nYeah. Good. Sometimes it can be a lot, and I know that the document has a lot in it. And so I always hope that that it has as clear as mud sometimes. Alright.\n\nPerfect. Well, I will leave you alone for the afternoon so you can get on, and my team will reach out to you on Monday to have a chat and go through I guess, officially welcome you to the tea. Amazing. Perfect. Well, it was a pleasure, and we'll speak soon.\n\nNo problems at all. Have a good one. K. Bye, Sandra. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Sandra.","start":1.5999999,"end":2.42,"sentiment":"neutral","sentiment_score":-0.007024149410426617},{"text":"Sorry about that.","start":2.48,"end":3.04,"sentiment":"neutral","sentiment_score":-0.21766901016235352},{"text":"I don't know what happened.","start":3.04,"end":3.84,"sentiment":"neutral","sentiment_score":-0.21947199404239653},{"text":"The call just dropped.","start":3.84,"end":4.9,"sentiment":"neutral","sentiment_score":-0.30700431764125824},{"text":"Just to let you know, our our calls are recorded.","start":7.8399997,"end":9.94,"sentiment":"neutral","sentiment_score":0.06575402729213238}],"sentiment":"neutral","sentiment_score":-0.09728717904848357,"num_words":24,"start":1.5999999,"end":9.94},{"sentences":[{"text":"So, yeah, what I was saying was, yeah, it it's it's got a it's it's we we don't invest in anything that's, you know, super risky or that is brand new to market.","start":11.679999,"end":23.795,"sentiment":"neutral","sentiment_score":-0.1913637536380327},{"text":"We're not looking to, you know, find the next upcoming thing.","start":23.795,"end":26.115,"sentiment":"neutral","sentiment_score":-0.10994244841012088},{"text":"We're looking at long term valuable assets, and then we're looking to make tweaks as we go along.","start":26.115,"end":31.72,"sentiment":"neutral","sentiment_score":0.004556181944078869},{"text":"We're not looking to full up you know, upheaval of the portfolio every year, but, you know, small waiting tweaks or the incorporation of the little little changes here and there to keep up to date with where the market's heading is what we wanna do moving forward.","start":31.72,"end":47.145,"sentiment":"neutral","sentiment_score":0.06841098109725863},{"text":"Now I've chosen Hub twenty four because it offers the availability to invest in such a manner.","start":47.925,"end":54.27,"sentiment":"neutral","sentiment_score":0.19004548998440013}],"sentiment":"neutral","sentiment_score":-0.007305977206061205,"num_words":127,"start":11.679999,"end":54.27},{"sentences":[{"text":"Australian Retirement Trust doesn't allow your industry funds don't offer that that flexibility with the investments.","start":54.27,"end":60.45,"sentiment":"neutral","sentiment_score":0.05517952376976609},{"text":"And and outside of that, Hub twenty four actually allow us to do what's called in species investing.","start":61.15,"end":66.69,"sentiment":"neutral","sentiment_score":0.14577451845010123},{"text":"So it's where we can, basically, rather than go to market and buy the assets at market price and have to pay for brokerage fees, we are able to just trade within Hub twenty four and basically swap assets with other members of Hub twenty four without having to go and pay brokerage.","start":66.99,"end":87.08,"sentiment":"neutral","sentiment_score":0.14042334631085396},{"text":"So it's a lot more cost effective for you in the long run.","start":87.380005,"end":90.28,"sentiment":"positive","sentiment_score":0.3417579921392294},{"text":"Now outside of that, the insurance we kinda were already kinda went over with respect to what we're gonna do insurance wise.","start":92.98,"end":101.345,"sentiment":"neutral","sentiment_score":0.012305638583546335}],"sentiment":"neutral","sentiment_score":0.12838384437328967,"num_words":122,"start":54.27,"end":101.345},{"sentences":[{"text":"Oh, actually, let me circle back.","start":103.485,"end":105.245,"sentiment":"neutral","sentiment_score":0.032990956058104835},{"text":"The superannuation side of things.","start":105.245,"end":106.945,"sentiment":"neutral","sentiment_score":0.054620999842882156},{"text":"Even with the change and the increase in the insurance premiums that I recommended, we are still sitting much better projection wise moving forward, and both outcomes, both your Australian Retirement Trust Fund, the way it currently operates, and my recommendations does actually see you over $500,000.","start":107.085,"end":125.71001,"sentiment":"positive","sentiment_score":0.3410230776731004},{"text":"So we're definitely hitting that $400,000 mark, which is great.","start":125.71001,"end":129.09,"sentiment":"positive","sentiment_score":0.7160961925983429},{"text":"I'm hitting it a little bit further, and, obviously, with the, you know, reducing your premiums on your insurance, not wanting to go ahead with the whole 120 and change, we're gonna hit that mark a little bit better because we're not gonna have that compounding effect coming out of the fund.","start":130.305,"end":148.26,"sentiment":"neutral","sentiment_score":0.26041769329458475}],"sentiment":"neutral","sentiment_score":0.3100151446958383,"num_words":120,"start":103.485,"end":148.26},{"sentences":[{"text":"And as we go through and, you know, you do get older or, you know, you don't want the insurance there as a as a backfall, we can decrease that policy and, as a backfall, we can decrease that policy and and eventually drop it entirely once you you're in a position and once you're comfortable to basically self insure and not have that that policy there anymore.","start":148.56,"end":166.79501,"sentiment":"neutral","sentiment_score":-0.0017910200061605258},{"text":"Yeah.","start":169.23,"end":169.73,"sentiment":"neutral","sentiment_score":0.04472443461418152},{"text":"When you retire from work, we we definitely cancel the total permanent disability cover, and that's because we can only claim it while we are working.","start":185.965,"end":194.45999,"sentiment":"neutral","sentiment_score":-0.1251191468192981},{"text":"Once you cease working, it's not a claimable asset anymore.","start":194.45999,"end":198.31999,"sentiment":"neutral","sentiment_score":-0.11760197393596172},{"text":"So it is it is very much a policy that's only there for when you're working.","start":198.78,"end":205.68,"sentiment":"neutral","sentiment_score":-0.003506755267153494}],"sentiment":"neutral","sentiment_score":-0.03770488071686411,"num_words":121,"start":148.56,"end":205.68},{"sentences":[{"text":"Yeah.","start":205.81999,"end":206.31999,"sentiment":"neutral","sentiment_score":0.0013860035687685013},{"text":"Once you leave work, PPD, we would we we would look to face.","start":206.735,"end":210.115,"sentiment":"neutral","sentiment_score":-0.047731237629285224},{"text":"But the life insurance policy, that can be there for as long as possible.","start":210.655,"end":214.175,"sentiment":"neutral","sentiment_score":0.029770710372499058},{"text":"It just depends on what your aim with that policy is.","start":214.175,"end":217.155,"sentiment":"neutral","sentiment_score":0.02953035079620101},{"text":"If you were just wanting to leave it there to, you know, help out the family or leave a bit of a a benefit for, you know, friends, family, kids, grandkids, whatever the case may be, then then that's that's absolutely fine.","start":217.775,"end":230.45999,"sentiment":"neutral","sentiment_score":0.2737853725751241}],"sentiment":"neutral","sentiment_score":0.14347517736440088,"num_words":81,"start":205.81999,"end":230.45999},{"sentences":[{"text":"It's just it's very, very independent in what people do with life insurance policies.","start":230.45999,"end":237.82501,"sentiment":"positive","sentiment_score":0.37959165232522146},{"text":"So that's why any conversation I have with a client differs to another conversation I have with another client because everyone wants a policy for a different reason type of thing.","start":237.82501,"end":245.925,"sentiment":"neutral","sentiment_score":0.02121721081916363},{"text":"But some mhmm.","start":248.52,"end":250.12001,"sentiment":"neutral","sentiment_score":-0.007967835913101831},{"text":"Yeah.","start":250.12001,"end":250.62001,"sentiment":"neutral","sentiment_score":0.001592117361724377},{"text":"Yeah.","start":252.6,"end":253.1,"sentiment":"neutral","sentiment_score":-0.005466736853122711}],"sentiment":"neutral","sentiment_score":0.11888477081432938,"num_words":50,"start":230.45999,"end":253.1},{"sentences":[{"text":"We can look at we can look at increasing the life insurance, but we we you don't automatically double it.","start":263.255,"end":268.375,"sentiment":"neutral","sentiment_score":-0.019401418045163155},{"text":"Generally, the life insurance policy would just stay as it is, and and the the the the TPD benefit would just drop it off, which would decrease your premiums.","start":268.375,"end":277.47,"sentiment":"neutral","sentiment_score":0.055640494065551924},{"text":"Yeah.","start":278.97,"end":279.47,"sentiment":"neutral","sentiment_score":0.13732899725437164},{"text":"Yeah.","start":281.69,"end":282.16998,"sentiment":"neutral","sentiment_score":0.06404406577348709},{"text":"And we'll talk about we'll talk about it every year when we do your complete annual review, But it also becomes a talking point because, like, we're gonna be caught in contact with you quite a bit over the next little bit to get everything implemented.","start":282.16998,"end":295.365,"sentiment":"neutral","sentiment_score":0.12987670415769453}],"sentiment":"neutral","sentiment_score":0.07630151980700567,"num_words":97,"start":263.255,"end":295.365},{"sentences":[{"text":"Once everything's implemented, we'll kinda drop back a little bit to contacting you at your preference time.","start":295.745,"end":302.09,"sentiment":"neutral","sentiment_score":0.16401546404642217},{"text":"So whether that's quarterly, half yearly, or just a yearly touch base, that's up to you with how often we engage, and and and you could definitely set that parameter.","start":302.09,"end":312.51,"sentiment":"neutral","sentiment_score":0.21814673493305842},{"text":"So, otherwise, yeah, the insurance yeah.","start":315.415,"end":318.535,"sentiment":"neutral","sentiment_score":-0.020952004628876846},{"text":"If you want me to decrease it, just I just need you to put that in writing, and then I can I can proceed with with just altering that that side of things?","start":318.535,"end":326.875,"sentiment":"neutral","sentiment_score":-0.0033128880190126824},{"text":"But, otherwise, what I what I want you to do, because we don't have any CIS dependent nominated people, so CIS is the Superannuation Industry Act.","start":327.095,"end":340.38998,"sentiment":"neutral","sentiment_score":-0.00296242107064105}],"sentiment":"neutral","sentiment_score":0.08054111300485342,"num_words":112,"start":295.745,"end":340.38998},{"sentences":[{"text":"What I wanna do is nominate your lead personal representative, which means that the super fund, the insurance policy that's attached to the fund will pay to your estate, and I'm therefore recommending that we do get a will in place.","start":340.84998,"end":356.715,"sentiment":"neutral","sentiment_score":0.20487698603694032},{"text":"Because if we don't have a will in place that's up to date and has been reviewed and that does support your wishes.","start":356.715,"end":363.99,"sentiment":"neutral","sentiment_score":0.3007608647255794},{"text":"So so long as so long as you're comfortable that it definitely does that perfect, then that's absolutely fine.","start":364.37,"end":374.70502,"sentiment":"positive","sentiment_score":0.4795981959292763},{"text":"So then your legal personal representative is a a valid nomination and that there's there's no concerns with you passing away in test date, which is without without a will.","start":374.70502,"end":383.365,"sentiment":"neutral","sentiment_score":0.19988229783872763},{"text":"Of course, if any of your personal position changes, they're definitely going and get that all reviewed.","start":383.505,"end":388.54,"sentiment":"neutral","sentiment_score":0.1276054897290819}],"sentiment":"neutral","sentiment_score":0.25073526384165656,"num_words":130,"start":340.84998,"end":388.54},{"sentences":[{"text":"Yeah.","start":395.0,"end":395.5,"sentiment":"neutral","sentiment_score":-0.08759123086929321},{"text":"Yeah.","start":411.415,"end":411.915,"sentiment":"neutral","sentiment_score":-0.060179077088832855},{"text":"Yeah.","start":417.47998,"end":417.96,"sentiment":"neutral","sentiment_score":-0.037639979273080826},{"text":"It's kind of it's always a bit of a funny thing when we when you kind of realize that life has rolled on and and all of a sudden the the wheel might not be as up to date as what we thought it was.","start":417.96,"end":429.07498,"sentiment":"neutral","sentiment_score":-0.11717716749343607},{"text":"Yeah.","start":436.735,"end":437.235,"sentiment":"neutral","sentiment_score":-0.16067330539226532}],"sentiment":"neutral","sentiment_score":-0.11467461489445092,"num_words":49,"start":395.0,"end":437.235},{"sentences":[{"text":"Yeah.","start":441.68997,"end":442.18997,"sentiment":"neutral","sentiment_score":-0.04259970784187317},{"text":"Of course.","start":442.25,"end":442.90997,"sentiment":"neutral","sentiment_score":-0.009475602768361568},{"text":"Oh, very much one massive kick, which is good.","start":447.68997,"end":450.66998,"sentiment":"positive","sentiment_score":0.688162730799781},{"text":"So moving forward, what we what we would do is we would proceed with basically, proceed with with getting the the superannuation fund mostly rolled over.","start":454.205,"end":467.56,"sentiment":"neutral","sentiment_score":0.2595894462787188},{"text":"So we'd leave a very small amount of money until we transferred the insurances.","start":467.56,"end":471.5,"sentiment":"neutral","sentiment_score":0.08217318302818707}],"sentiment":"neutral","sentiment_score":0.26983968902809113,"num_words":52,"start":441.68997,"end":471.5},{"sentences":[{"text":"The ones Yeah.","start":473.0,"end":476.14,"sentiment":"neutral","sentiment_score":0.031203903257846832},{"text":"Correct.","start":479.73502,"end":480.23502,"sentiment":"neutral","sentiment_score":0.07531137764453888},{"text":"The one thing that we would need is we'd need a statement from ART with your insurances attached from it's a request you'd have to put in with ART for a specific request, unfortunately, requesting basically what's called a certificate of currency.","start":480.855,"end":502.95,"sentiment":"neutral","sentiment_score":-0.011618443276910554},{"text":"My team can can kinda kinda help you navigate how to do that during Monday's call, but we we need that to submit to Hub twenty four when we transfer the insurance.","start":505.285,"end":515.46497,"sentiment":"neutral","sentiment_score":0.007969648286234587},{"text":"That's the painful part.","start":515.52496,"end":517.285,"sentiment":"neutral","sentiment_score":-0.19791151583194733}],"sentiment":"neutral","sentiment_score":-0.010434985955859103,"num_words":82,"start":473.0,"end":517.285},{"sentences":[{"text":"But other than that, we take care of everything else on the on the side of that.","start":517.285,"end":522.36,"sentiment":"neutral","sentiment_score":-0.023731926784795875},{"text":"Okay?","start":523.77997,"end":524.27997,"sentiment":"neutral","sentiment_score":0.028347168117761612},{"text":"Outside of that, I recommend that we where did it go?","start":526.01996,"end":536.515,"sentiment":"neutral","sentiment_score":0.021745491095564583},{"text":"Sorry.","start":536.515,"end":536.915,"sentiment":"neutral","sentiment_score":-0.1056024134159088},{"text":"I've scrolled up and down the document because I skipped ahead to the insurance.","start":536.915,"end":541.095,"sentiment":"neutral","sentiment_score":-0.14338419799293792}],"sentiment":"neutral","sentiment_score":-0.0511108266020363,"num_words":44,"start":517.285,"end":541.095},{"sentences":[{"text":"So now I'm, like, going back.","start":542.3,"end":544.16,"sentiment":"neutral","sentiment_score":-0.05646706869204839},{"text":"With the with the, you know, creation of your new account, we obviously need to change your super current contributions, including the salary sacrifice arrangements and your employer based contributions over to the hub twenty four fund, we send you out the contribution form.","start":545.82,"end":560.82495,"sentiment":"neutral","sentiment_score":0.07419171671129086},{"text":"And because both of your accounts will be open for a period of time, we let you know before we roll the final amount over from ART, and we always do a check to make sure that there's been sort of a payment that's landed, and you have to pay full before we do that.","start":561.125,"end":573.10004,"sentiment":"neutral","sentiment_score":0.17699599455703388},{"text":"We'll get con confirmation from you that you've already, you know, made that change with your employer and, you know, you just we would some employers pay quarterly, So we won't obviously wait until, you know, a quarterly payment comes in.","start":573.32,"end":583.845,"sentiment":"neutral","sentiment_score":0.20691800935239327},{"text":"But if they pay weekly, fortnightly, monthly, then that's okay.","start":583.845,"end":587.225,"sentiment":"neutral","sentiment_score":0.04956968426704407}],"sentiment":"neutral","sentiment_score":0.1387163336532047,"num_words":156,"start":542.3,"end":587.225},{"sentences":[{"text":"Yeah.","start":588.485,"end":588.985,"sentiment":"neutral","sentiment_score":0.10611657798290253},{"text":"Perfect.","start":591.605,"end":592.105,"sentiment":"positive","sentiment_score":0.6985349655151367},{"text":"Yeah.","start":592.165,"end":592.40497,"sentiment":"positive","sentiment_score":0.4528747797012329},{"text":"So it shouldn't hopefully take that long to get everything up set up.","start":592.40497,"end":596.2,"sentiment":"positive","sentiment_score":0.39443732224977934},{"text":"We we we hope to get everything sort of in line pretty quickly for you so that way it's less of a headache for you when it can just roll nicely from there.","start":597.62,"end":606.68,"sentiment":"positive","sentiment_score":0.603618913527691}],"sentiment":"positive","sentiment_score":0.5368292991604123,"num_words":49,"start":588.485,"end":606.68},{"sentences":[{"text":"But, yeah, other than that, once once we get everything implemented, yeah, you you're able to sort of, I guess, nominate how often we contact you, and I can have that on file and sort of preset up those sort of rough meeting dates where we would reach out to you.","start":608.575,"end":623.95,"sentiment":"neutral","sentiment_score":0.1826892313273514},{"text":"So, I guess, now's the best time.","start":623.95,"end":625.63,"sentiment":"neutral","sentiment_score":0.16930978851658957},{"text":"Do you have a best contact time for us to reach out to you?","start":625.63,"end":629.07,"sentiment":"neutral","sentiment_score":0.13038641480462893},{"text":"Mornings, afternoons, a specific date?","start":629.07,"end":630.83,"sentiment":"neutral","sentiment_score":0.07831881791353226},{"text":"Or yep.","start":630.83,"end":642.14496,"sentiment":"neutral","sentiment_score":0.05310812406241894}],"sentiment":"neutral","sentiment_score":0.16234860078820698,"num_words":79,"start":608.575,"end":642.14496},{"sentences":[{"text":"And do you have like, do did you want us to reach out and contact you quarterly, half yearly, or just annually?","start":644.125,"end":652.13,"sentiment":"neutral","sentiment_score":0.02047423463822766},{"text":"Half yearly?","start":652.59,"end":653.49005,"sentiment":"neutral","sentiment_score":0.011390240397304296},{"text":"Yeah.","start":658.445,"end":658.845,"sentiment":"neutral","sentiment_score":0.19846811890602112},{"text":"Absolutely.","start":658.845,"end":659.345,"sentiment":"positive","sentiment_score":0.4124478101730346},{"text":"Perfect.","start":666.845,"end":667.345,"sentiment":"positive","sentiment_score":0.5055917501449585}],"sentiment":"neutral","sentiment_score":0.05887856748369005,"num_words":27,"start":644.125,"end":667.345},{"sentences":[{"text":"Absolutely.","start":667.485,"end":667.985,"sentiment":"positive","sentiment_score":0.36372265219688416},{"text":"No.","start":668.125,"end":668.365,"sentiment":"neutral","sentiment_score":0.33111312985420227},{"text":"That's awesome.","start":668.365,"end":669.92,"sentiment":"positive","sentiment_score":0.5634510219097137},{"text":"So I'll just kind of preset our next kind of appointment.","start":670.46,"end":674.62,"sentiment":"positive","sentiment_score":0.33496498790654267},{"text":"So that way, it's there, and we can reach out to you in kind of six months' time after we get everything implemented and touch base.","start":674.62,"end":681.83997,"sentiment":"neutral","sentiment_score":0.24274300783872604}],"sentiment":"neutral","sentiment_score":0.2882358755280332,"num_words":41,"start":667.485,"end":681.83997},{"sentences":[{"text":"Okay?","start":682.22,"end":682.72,"sentiment":"neutral","sentiment_score":0.12623587250709534},{"text":"Amazing.","start":684.755,"end":685.235,"sentiment":"positive","sentiment_score":0.6498509645462036},{"text":"Perfect.","start":685.235,"end":685.735,"sentiment":"positive","sentiment_score":0.5871289968490601},{"text":"Well, outside of that, did you have any questions for me that you may have wanted answered?","start":686.355,"end":692.21497,"sentiment":"neutral","sentiment_score":0.05210468435988707},{"text":"Yeah.","start":703.33,"end":703.83,"sentiment":"neutral","sentiment_score":0.02295294590294361}],"sentiment":"neutral","sentiment_score":0.10818801971063727,"num_words":21,"start":682.22,"end":703.83},{"sentences":[{"text":"Amazing.","start":716.78503,"end":717.28503,"sentiment":"positive","sentiment_score":0.3596463203430176},{"text":"No.","start":717.585,"end":717.905,"sentiment":"neutral","sentiment_score":0.19171974062919617},{"text":"That's perfect.","start":717.905,"end":719.125,"sentiment":"positive","sentiment_score":0.4011716693639755},{"text":"I love that it makes sense.","start":719.185,"end":722.74,"sentiment":"positive","sentiment_score":0.4094201922416687},{"text":"I know it's sometimes it can be a lot.","start":722.74,"end":726.07996,"sentiment":"neutral","sentiment_score":0.03713926828155915}],"sentiment":"neutral","sentiment_score":0.21813073514127418,"num_words":19,"start":716.78503,"end":726.07996},{"sentences":[{"text":"Yeah.","start":726.69995,"end":727.18,"sentiment":"neutral","sentiment_score":0.04527579993009567},{"text":"Good.","start":727.18,"end":727.57996,"sentiment":"neutral","sentiment_score":0.0779174268245697},{"text":"Sometimes it can be a lot, and I know that the document has a lot in it.","start":727.57996,"end":731.33997,"sentiment":"neutral","sentiment_score":0.039459791472729516},{"text":"And so I always hope that that it has as clear as mud sometimes.","start":731.33997,"end":735.68,"sentiment":"neutral","sentiment_score":-0.0025805145768182615},{"text":"Alright.","start":738.995,"end":739.47504,"sentiment":"neutral","sentiment_score":0.23466384410858152}],"sentiment":"neutral","sentiment_score":0.029192538877182147,"num_words":34,"start":726.69995,"end":739.47504},{"sentences":[{"text":"Perfect.","start":739.47504,"end":739.955,"sentiment":"neutral","sentiment_score":0.32865583896636963},{"text":"Well, I will leave you alone for the afternoon so you can get on, and my team will reach out to you on Monday to have a chat and go through I guess, officially welcome you to the tea.","start":739.955,"end":750.53503,"sentiment":"neutral","sentiment_score":0.19390828888385725},{"text":"Amazing.","start":752.49,"end":752.99,"sentiment":"positive","sentiment_score":0.8576980829238892},{"text":"Perfect.","start":753.05,"end":753.53,"sentiment":"positive","sentiment_score":0.8213130235671997},{"text":"Well, it was a pleasure, and we'll speak soon.","start":753.53,"end":755.95,"sentiment":"positive","sentiment_score":0.6110010842482249}],"sentiment":"neutral","sentiment_score":0.29547254843454734,"num_words":51,"start":739.47504,"end":755.95},{"sentences":[{"text":"No problems at all.","start":757.93,"end":759.21,"sentiment":"positive","sentiment_score":0.5520126521587372},{"text":"Have a good one.","start":759.21,"end":760.27,"sentiment":"positive","sentiment_score":0.5372437238693237},{"text":"K.","start":761.45,"end":761.95,"sentiment":"neutral","sentiment_score":0.05308298394083977},{"text":"Bye, Sandra.","start":762.01,"end":762.75,"sentiment":"neutral","sentiment_score":0.11355787143111229},{"text":"Bye.","start":762.81,"end":763.31,"sentiment":"neutral","sentiment_score":-0.09481824934482574}],"sentiment":"positive","sentiment_score":0.3785338317975402,"num_words":12,"start":757.93,"end":763.31}]}}]},{"alternatives":[{"transcript":"Yeah. It's alright. It's all good. Yeah. Mhmm. To what? Yep. Yep. Yep. Okay. Yep. Yep. Mhmm. Yep. Okay. Yep. Yep. Okay. Okay. Yep. Okay. Sounds good. Do do you sort of only like, do I keep these the insurances that are they something you have forever till the day you die, or is it just for for the work? Like, when you finish when you retire from work, you then cancel them, or what how does that work? Yep. Okay. Yep. Okay. Okay. Okay. Yep. Yeah. Yeah. Yeah. For sure. For sure. So argument's sake, like, when I when I finish work and and so the TBD gets canceled, I could then double the life insurance, so I'm still basically paying same same? Or does it oh, okay. Okay. Okay. Yep. Okay. That's alright. That's alright. It's fingers crossed. Got plenty of time to worry about that. Mhmm. Okay. Yep. Yep. Yeah. Okay. All good. For sure. Yep. I've I've I've got a will. Yeah. I yeah. I only just updated at the beginning of this year, actually. Yep. Yeah. Yeah. Yeah. Yeah. So my husband died ten years ago. And because my kids were under 18, I I had them nominated if something happened to me, but my brother took them on. And then it was like, all of a sudden, I went, oh, shit. My youngest is 20. He's still gonna go to my brother. I better get that back. So yeah. So I literally only did it just, yeah, beginning of the year. So Yeah. Yeah. You just well, that's right. That's right. Because, well, prior to my husband passing away, I I hadn't didn't even have a will. So all of a sudden, it was like, oh, shit. You know, shit's getting real now. Oh, yeah. Yeah. No. At least that's current, so that's one tick. Yep. Oh, yes. Yes. I spoke with that about with Fabian. Yep. So I understand that. Just to make sure nothing falls off, it still rolls along. How do I do that? Yep. Yep. Mhmm. Yep. Okay. Okay. Yep. Okay. Yep. Okay. Yeah. No. We we do monthly here. Yeah. Yeah. We do monthly here. So yep. That's fine. Okay. Yep. No. Sounds good. Yep. Mhmm. Generally, more afternoons. Afternoons are sorta are easier for me. Yeah. Anywhere right right now, around between three and four is smart. Probably just half a year. I think half a year for just to well, at least for the next little bit, just to see how we're going. And then, yeah, and then we can sort of that's probably quite a good thing, I suppose, for now anyway. Yep. Yeah. No. It sounds good. No. I think I'm pretty good. Sort of. I I went through I'd I'd I'd as I said to Fabian, I I didn't read the majority of it all. There were there were bits that were just yeah. I didn't know what the hell they were and skipped over them. But for the majority, I I read the bits that that I could understand. So yeah. So most of it was, yeah, quite self explanatory. Yeah. Yeah. Yeah. Good. Yeah. I could understand what I read. Yeah. Can do. Yeah. Yeah. Totally. Absolutely. Yeah. Yep. Okay. Sounds good. Okay. Excellent. Alright. Okay. Thanks, Larissa. Alright. You too. 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It's alright. It's all good. Yeah. Mhmm.\n\nTo what? Yep. Yep. Yep. Okay.\n\nYep. Yep. Mhmm. Yep. Okay.\n\nYep. Yep. Okay. Okay. Yep.\n\nOkay. Sounds good. Do do you sort of only like, do I keep these the insurances that are they something you have forever till the day you die, or is it just for for the work? Like, when you finish when you retire from work, you then cancel them, or what how does that work? Yep.\n\nOkay. Yep. Okay. Okay. Okay.\n\nYep. Yeah. Yeah. Yeah. For sure.\n\nFor sure. So argument's sake, like, when I when I finish work and and so the TBD gets canceled, I could then double the life insurance, so I'm still basically paying same same? Or does it oh, okay. Okay. Okay.\n\nYep. Okay. That's alright. That's alright. It's fingers crossed.\n\nGot plenty of time to worry about that. Mhmm. Okay. Yep. Yep.\n\nYeah. Okay. All good. For sure. Yep.\n\nI've I've I've got a will. Yeah. I yeah. I only just updated at the beginning of this year, actually. Yep.\n\nYeah. Yeah. Yeah. Yeah. So my husband died ten years ago.\n\nAnd because my kids were under 18, I I had them nominated if something happened to me, but my brother took them on. And then it was like, all of a sudden, I went, oh, shit. My youngest is 20. He's still gonna go to my brother. I better get that back.\n\nSo yeah. So I literally only did it just, yeah, beginning of the year. So Yeah. Yeah. You just well, that's right.\n\nThat's right. Because, well, prior to my husband passing away, I I hadn't didn't even have a will. So all of a sudden, it was like, oh, shit. You know, shit's getting real now. Oh, yeah.\n\nYeah. No. At least that's current, so that's one tick. Yep. Oh, yes.\n\nYes. I spoke with that about with Fabian. Yep. So I understand that. Just to make sure nothing falls off, it still rolls along.\n\nHow do I do that? Yep. Yep. Mhmm. Yep.\n\nOkay. Okay. Yep. Okay. Yep.\n\nOkay. Yeah. No. We we do monthly here. Yeah.\n\nYeah. We do monthly here. So yep. That's fine. Okay.\n\nYep. No. Sounds good. Yep. Mhmm.\n\nGenerally, more afternoons. Afternoons are sorta are easier for me. Yeah. Anywhere right right now, around between three and four is smart. Probably just half a year.\n\nI think half a year for just to well, at least for the next little bit, just to see how we're going. And then, yeah, and then we can sort of that's probably quite a good thing, I suppose, for now anyway. Yep. Yeah. No.\n\nIt sounds good. No. I think I'm pretty good. Sort of. I I went through I'd I'd I'd as I said to Fabian, I I didn't read the majority of it all.\n\nThere were there were bits that were just yeah. I didn't know what the hell they were and skipped over them. But for the majority, I I read the bits that that I could understand. So yeah. So most of it was, yeah, quite self explanatory.\n\nYeah. Yeah. Yeah. Good. Yeah.\n\nI could understand what I read. Yeah. Can do. Yeah. Yeah.\n\nTotally. Absolutely. Yeah. Yep. Okay.\n\nSounds good. Okay. Excellent. Alright. Okay.\n\nThanks, Larissa. Alright. You too. Bye.","paragraphs":[{"sentences":[{"text":"Yeah.","start":5.04,"end":5.52,"sentiment":"neutral","sentiment_score":0.03785322606563568},{"text":"It's alright.","start":5.52,"end":6.08,"sentiment":"neutral","sentiment_score":0.2521652728319168},{"text":"It's all good.","start":6.08,"end":6.8199997,"sentiment":"positive","sentiment_score":0.588198721408844},{"text":"Yeah.","start":24.305,"end":24.805,"sentiment":"neutral","sentiment_score":-0.09742040932178496},{"text":"Mhmm.","start":29.22,"end":29.72,"sentiment":"neutral","sentiment_score":0.001901540905237198}],"sentiment":"neutral","sentiment_score":0.2764076334424317,"num_words":8,"start":5.04,"end":29.72},{"sentences":[{"text":"To 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smart.","start":637.35004,"end":640.875,"sentiment":"neutral","sentiment_score":0.22955569624900818},{"text":"Probably just half a year.","start":651.035,"end":652.395,"sentiment":"neutral","sentiment_score":0.013138705026358366}],"sentiment":"neutral","sentiment_score":0.14974063019164735,"num_words":27,"start":631.83,"end":652.395},{"sentences":[{"text":"I think half a year for just to well, at least for the next little bit, just to see how we're going.","start":652.395,"end":658.13,"sentiment":"neutral","sentiment_score":0.05815450330688195},{"text":"And then, yeah, and then we can sort of that's probably quite a good thing, I suppose, for now anyway.","start":658.99,"end":665.33,"sentiment":"positive","sentiment_score":0.3917601019144058},{"text":"Yep.","start":681.075,"end":681.42,"sentiment":"neutral","sentiment_score":0.18615064024925232},{"text":"Yeah.","start":682.86,"end":683.18,"sentiment":"neutral","sentiment_score":0.1297515332698822},{"text":"No.","start":683.18,"end":683.33997,"sentiment":"neutral","sentiment_score":0.21681255102157593}],"sentiment":"neutral","sentiment_score":0.21438479634622734,"num_words":45,"start":652.395,"end":683.33997},{"sentences":[{"text":"It sounds good.","start":683.33997,"end":684.24,"sentiment":"positive","sentiment_score":0.5067202349503835},{"text":"No.","start":690.77997,"end":690.94,"sentiment":"neutral","sentiment_score":-0.014683892950415611},{"text":"I think I'm pretty good.","start":690.94,"end":692.06,"sentiment":"neutral","sentiment_score":0.007188390195369723},{"text":"Sort of.","start":692.06,"end":692.77997,"sentiment":"neutral","sentiment_score":0.05109883099794388},{"text":"I I went through I'd I'd I'd as I said to Fabian, I I didn't read the majority of it all.","start":692.77997,"end":698.615,"sentiment":"neutral","sentiment_score":0.019239452623185656}],"sentiment":"neutral","sentiment_score":0.06398890406126156,"num_words":32,"start":683.33997,"end":698.615},{"sentences":[{"text":"There were there were bits that were just yeah.","start":698.615,"end":700.615,"sentiment":"neutral","sentiment_score":0.006080230594509178},{"text":"I didn't know what the hell they were and skipped over them.","start":700.615,"end":703.035,"sentiment":"neutral","sentiment_score":-0.005916398484259844},{"text":"But for the majority, I I read the bits that that I could understand.","start":703.33496,"end":708.15497,"sentiment":"neutral","sentiment_score":0.06394015332417828},{"text":"So yeah.","start":709.91,"end":710.55,"sentiment":"neutral","sentiment_score":0.08720292523503304},{"text":"So most of it was, yeah, quite self explanatory.","start":710.55,"end":713.05,"sentiment":"neutral","sentiment_score":0.14379956904384825}],"sentiment":"neutral","sentiment_score":0.051032378520492624,"num_words":46,"start":698.615,"end":713.05},{"sentences":[{"text":"Yeah.","start":721.83,"end":722.325,"sentiment":"neutral","sentiment_score":0.17605727910995483},{"text":"Yeah.","start":722.485,"end":722.72504,"sentiment":"neutral","sentiment_score":0.1045747697353363},{"text":"Yeah.","start":722.72504,"end":723.045,"sentiment":"neutral","sentiment_score":0.06912106275558472},{"text":"Good.","start":723.045,"end":723.545,"sentiment":"neutral","sentiment_score":0.11863408237695694},{"text":"Yeah.","start":724.245,"end":724.485,"sentiment":"neutral","sentiment_score":0.04134640097618103}],"sentiment":"neutral","sentiment_score":0.10194671899080276,"num_words":5,"start":721.83,"end":724.485},{"sentences":[{"text":"I could understand what I read.","start":724.485,"end":726.34503,"sentiment":"neutral","sentiment_score":0.018324455556770165},{"text":"Yeah.","start":732.485,"end":732.965,"sentiment":"neutral","sentiment_score":0.018526414409279823},{"text":"Can do.","start":732.965,"end":733.705,"sentiment":"neutral","sentiment_score":0.021994752809405327},{"text":"Yeah.","start":736.085,"end":736.325,"sentiment":"neutral","sentiment_score":0.048360224813222885},{"text":"Yeah.","start":736.325,"end":736.565,"sentiment":"neutral","sentiment_score":0.07535184919834137}],"sentiment":"neutral","sentiment_score":0.026924975216388702,"num_words":11,"start":724.485,"end":736.565},{"sentences":[{"text":"Totally.","start":736.565,"end":737.045,"sentiment":"neutral","sentiment_score":0.15625563263893127},{"text":"Absolutely.","start":737.045,"end":737.545,"sentiment":"neutral","sentiment_score":0.21567924320697784},{"text":"Yeah.","start":746.08,"end":746.58,"sentiment":"neutral","sentiment_score":0.1600704789161682},{"text":"Yep.","start":750.56,"end":750.72,"sentiment":"neutral","sentiment_score":0.1378079652786255},{"text":"Okay.","start":750.72,"end":751.04,"sentiment":"neutral","sentiment_score":0.331858366727829}],"sentiment":"neutral","sentiment_score":0.20033433735370637,"num_words":5,"start":736.565,"end":751.04},{"sentences":[{"text":"Sounds good.","start":751.04,"end":751.755,"sentiment":"positive","sentiment_score":0.794757753610611},{"text":"Okay.","start":753.435,"end":753.835,"sentiment":"positive","sentiment_score":0.5538103580474854},{"text":"Excellent.","start":753.835,"end":754.335,"sentiment":"positive","sentiment_score":0.7791833877563477},{"text":"Alright.","start":754.875,"end":755.375,"sentiment":"positive","sentiment_score":0.4325601458549499},{"text":"Okay.","start":756.075,"end":756.395,"sentiment":"positive","sentiment_score":0.3427794575691223}],"sentiment":"positive","sentiment_score":0.6163081427415212,"num_words":6,"start":751.04,"end":756.395},{"sentences":[{"text":"Thanks, Larissa.","start":756.395,"end":757.295,"sentiment":"positive","sentiment_score":0.679757833480835},{"text":"Alright.","start":759.355,"end":759.855,"sentiment":"positive","sentiment_score":0.373771995306015},{"text":"You too.","start":760.315,"end":761.03503,"sentiment":"positive","sentiment_score":0.4173378199338913},{"text":"Bye.","start":761.03503,"end":761.53503,"sentiment":"neutral","sentiment_score":0.1849160194396973}],"sentiment":"positive","sentiment_score":0.45881322026252747,"num_words":6,"start":756.395,"end":761.53503}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hi, Sandra. Sorry about that. I don't know what happened. The call just dropped.\n\nChannel 1: Yeah. It's alright. It's all good.\n\nChannel 0: Just to let you know, our our calls are recorded. So, yeah, what I was saying was, yeah, it it's it's got a it's it's we we don't invest in anything that's, you know, super risky or that is brand new to market. We're not looking\n\nChannel 1: Yeah.\n\nChannel 0: to, you know, find the next upcoming thing. We're looking at long term valuable assets,\n\nChannel 1: Mhmm.\n\nChannel 0: and then we're looking to make tweaks as we go along. We're not looking\n\nChannel 1: To\n\nChannel 0: to\n\nChannel 1: what?\n\nChannel 0: full up you know, upheaval of the portfolio every year, but, you know, small waiting tweaks or the incorporation of the little little changes here and there\n\nChannel 1: Yep.\n\nChannel 0: to keep up\n\nChannel 1: Yep.\n\nChannel 0: to date with where the market's heading is what we wanna do moving forward. Now I've chosen Hub twenty four because it offers the availability to invest in such a manner. Australian Retirement Trust doesn't allow your industry funds don't offer that that flexibility with the investments.\n\nChannel 1: Yep.\n\nChannel 0: And and outside of that, Hub twenty four actually allow us to do what's called in species investing. So it's where we can, basically, rather than go to market and buy the assets at market price and have to pay for brokerage fees, we are able to just trade within Hub twenty four and basically swap assets with other members of Hub twenty four without\n\nChannel 1: Okay.\n\nChannel 0: having to go and pay brokerage. So it's\n\nChannel 1: Yep.\n\nChannel 0: a lot more cost effective for you in the long run.\n\nChannel 1: Yep.\n\nChannel 0: Now outside of that, the insurance we kinda were already kinda went over with respect to what we're gonna do\n\nChannel 1: Mhmm.\n\nChannel 0: insurance wise. Oh, actually, let me circle back. The superannuation side of things. Even with the change and the increase in the insurance premiums that I recommended,\n\nChannel 1: Yep.\n\nChannel 0: we are still sitting much better projection wise moving forward, and both outcomes, both your Australian Retirement Trust Fund, the way it currently operates, and my recommendations does actually see you over $500,000. So we're\n\nChannel 1: Okay.\n\nChannel 0: definitely hitting that $400,000 mark, which is great. I'm hitting it a little bit further, and, obviously, with the, you know, reducing your premiums on your insurance, not wanting\n\nChannel 1: Yep.\n\nChannel 0: to go ahead with the whole 120 and change, we're gonna hit that mark a little bit better because we're not gonna have that compounding effect\n\nChannel 1: Yep. Okay.\n\nChannel 0: coming out of the fund. And as we go through and, you know, you do get older or, you know, you don't want the insurance there as a as a backfall, we can decrease that policy and, as a backfall, we can decrease that policy\n\nChannel 1: Okay.\n\nChannel 0: and and eventually drop it entirely\n\nChannel 1: Yep.\n\nChannel 0: once you you're in a position and once you're comfortable to basically self insure and not have that that policy there anymore.\n\nChannel 1: Okay. Sounds good.\n\nChannel 0: Yeah.\n\nChannel 1: Do do you sort of only like, do I keep these the insurances that are they something you have forever till the day you die, or is it just for for the work? Like, when you finish when you retire from work, you then cancel them, or what how does that work?\n\nChannel 0: When you retire from work, we we definitely cancel the total permanent disability cover, and that's because we can only claim it while we are working.\n\nChannel 1: Yep.\n\nChannel 0: Once\n\nChannel 1: Okay.\n\nChannel 0: you cease working, it's not a claimable asset anymore.\n\nChannel 1: Yep.\n\nChannel 0: So it is it is very much a policy that's only there for when you're\n\nChannel 1: Okay.\n\nChannel 0: working. Yeah. Once you leave work, PPD, we would we we would look to face.\n\nChannel 1: Okay.\n\nChannel 0: But the life insurance policy, that can be there for as long as possible. It just depends on what your aim with that policy is. If you were just wanting to leave it there to, you know, help out the family or leave a bit of a a benefit for, you know, friends, family, kids, grandkids, whatever the case may be, then then that's that's absolutely fine. It's just it's very, very independent in what people do with\n\nChannel 1: Okay.\n\nChannel 0: life insurance policies. So that's\n\nChannel 1: Yep.\n\nChannel 0: why any conversation I have with a client differs to another conversation I have with another client because everyone wants a policy for a different reason type of thing.\n\nChannel 1: Yeah. Yeah. Yeah. For sure. For sure.\n\nSo\n\nChannel 0: But\n\nChannel 1: argument's\n\nChannel 0: some\n\nChannel 1: sake,\n\nChannel 0: mhmm.\n\nChannel 1: like,\n\nChannel 0: Yeah.\n\nChannel 1: when I when I finish work\n\nChannel 0: Yeah.\n\nChannel 1: and and so the TBD gets canceled, I could then double the life insurance, so I'm still basically paying same same? Or\n\nChannel 0: We can\n\nChannel 1: does it\n\nChannel 0: look at we can look at increasing the life insurance, but we we you don't automatically double it. Generally,\n\nChannel 1: oh, okay.\n\nChannel 0: the life insurance policy would just stay as it is,\n\nChannel 1: Okay.\n\nChannel 0: and\n\nChannel 1: Okay.\n\nChannel 0: and the the the the TPD benefit would just drop it off, which would decrease\n\nChannel 1: Yep.\n\nChannel 0: your premiums.\n\nChannel 1: Okay. That's alright. That's alright. It's\n\nChannel 0: Yeah.\n\nChannel 1: fingers crossed. Got plenty of time to worry about\n\nChannel 0: Yeah. And we'll talk about we'll talk about it every year when\n\nChannel 1: that.\n\nChannel 0: we\n\nChannel 1: Mhmm.\n\nChannel 0: do your complete annual review,\n\nChannel 1: Okay.\n\nChannel 0: But it also becomes a talking point because, like, we're gonna be caught in contact with you quite a bit over the next little bit to get everything implemented. Once\n\nChannel 1: Yep.\n\nChannel 0: everything's implemented, we'll kinda drop back a little bit to contacting you at your preference time. So whether\n\nChannel 1: Yep.\n\nChannel 0: that's quarterly, half yearly, or just a yearly touch base, that's up to you with how often we engage, and and and you could definitely set that parameter.\n\nChannel 1: Yeah. Okay. All good.\n\nChannel 0: So, otherwise, yeah, the insurance yeah. If you want me to decrease it, just I just need you to put that in writing,\n\nChannel 1: For\n\nChannel 0: and\n\nChannel 1: sure.\n\nChannel 0: then I can I can proceed with with just altering that that side of things? But, otherwise, what I what I want you to do, because we don't have any CIS dependent nominated people, so CIS is the Superannuation Industry Act.\n\nChannel 1: Yep.\n\nChannel 0: What I wanna do is nominate your lead personal representative, which means that the super fund, the insurance policy that's attached to the fund will pay to your estate, and I'm therefore recommending that we do get a will in place. Because if we don't have\n\nChannel 1: I've\n\nChannel 0: a will in\n\nChannel 1: I've I've got\n\nChannel 0: place\n\nChannel 1: a will. Yeah.\n\nChannel 0: that's up to date and has been reviewed and that does support\n\nChannel 1: I\n\nChannel 0: your wishes. So so long as so long as you're comfortable that it definitely does that\n\nChannel 1: yeah. I only just updated at the beginning of this year, actually.\n\nChannel 0: perfect, then that's absolutely fine. So then your legal personal representative is a a valid nomination and that there's there's no concerns with you passing away in test date, which\n\nChannel 1: Yep.\n\nChannel 0: is without without a will. Of course,\n\nChannel 1: Yeah.\n\nChannel 0: if any of your personal position changes, they're definitely going and get that all reviewed.\n\nChannel 1: Yeah. Yeah. Yeah. So my husband died ten years ago.\n\nChannel 0: Yeah.\n\nChannel 1: And because my kids were under 18, I I had them nominated if something happened to me, but my brother took them on. And then it was like, all of a sudden, I went, oh, shit. My youngest is 20. He's still gonna go to my brother. I better get that back.\n\nSo\n\nChannel 0: Yeah.\n\nChannel 1: yeah. So I literally only did it just, yeah, beginning of the year. So\n\nChannel 0: Yeah. It's kind of it's always a bit of a funny thing when we when you kind of realize that life has rolled on and and all of a\n\nChannel 1: Yeah.\n\nChannel 0: sudden\n\nChannel 1: Yeah.\n\nChannel 0: the the\n\nChannel 1: You\n\nChannel 0: wheel might not be as up to date\n\nChannel 1: just\n\nChannel 0: as what we thought it was.\n\nChannel 1: well, that's right. That's right. Because, well, prior to my husband passing away, I I hadn't didn't even have a will.\n\nChannel 0: Yeah.\n\nChannel 1: So all of a sudden, it was like, oh, shit. You know, shit's getting real now.\n\nChannel 0: Yeah. Of course.\n\nChannel 1: Oh, yeah. Yeah. No. At least that's current, so that's one tick.\n\nChannel 0: Oh, very much one massive kick, which is good. So moving forward, what we what we would do is we would proceed with basically, proceed with with getting the the superannuation fund mostly rolled over. So we'd leave a very\n\nChannel 1: Yep.\n\nChannel 0: small amount of money until we transferred the insurances.\n\nChannel 1: Oh, yes. Yes. I\n\nChannel 0: The ones\n\nChannel 1: spoke with that about with Fabian. Yep. So I\n\nChannel 0: Yeah.\n\nChannel 1: understand that. Just to make sure nothing falls off, it still rolls along.\n\nChannel 0: Correct. The one thing that we would need is we'd need a statement from ART with your insurances attached from\n\nChannel 1: How do I do that?\n\nChannel 0: it's a request you'd have to put in with ART for a specific request, unfortunately,\n\nChannel 1: Yep.\n\nChannel 0: requesting basically what's called a certificate of currency.\n\nChannel 1: Yep.\n\nChannel 0: My team can can kinda kinda help you navigate how to do that\n\nChannel 1: Mhmm.\n\nChannel 0: during Monday's call,\n\nChannel 1: Yep.\n\nChannel 0: but we we need that to submit to Hub twenty four when we transfer the insurance. That's\n\nChannel 1: Okay.\n\nChannel 0: the painful part. But other than that, we take care of everything else on the on the side of that.\n\nChannel 1: Okay.\n\nChannel 0: Okay? Outside of that, I recommend that we where did it go? Sorry. I've scrolled up and down the document because I skipped ahead to the insurance. So now I'm, like, going back.\n\nWith the with the, you know, creation of your new account, we obviously need to change your super current contributions,\n\nChannel 1: Yep.\n\nChannel 0: including the salary sacrifice arrangements and your employer based contributions over to the hub twenty four fund, we send you out the contribution form. And because both of your accounts will be open for a period of time, we let you know before we roll the final amount over from ART,\n\nChannel 1: Okay. Yep.\n\nChannel 0: and we always do a check to make sure that there's been sort of a payment that's landed, and you have to pay full before we do that.\n\nChannel 1: Okay.\n\nChannel 0: We'll get con confirmation from you that you've already, you know, made that change with your employer and, you know, you just we would some employers pay quarterly, So we won't obviously wait until, you know, a quarterly payment comes in. But if they pay weekly,\n\nChannel 1: Yeah.\n\nChannel 0: fortnightly,\n\nChannel 1: No.\n\nChannel 0: monthly,\n\nChannel 1: We\n\nChannel 0: then that's\n\nChannel 1: we\n\nChannel 0: okay.\n\nChannel 1: do monthly here. Yeah. Yeah. We do\n\nChannel 0: Yeah.\n\nChannel 1: monthly here. So yep. That's fine.\n\nChannel 0: Perfect. Yeah. So it shouldn't hopefully take that long to get everything up set up.\n\nChannel 1: Okay.\n\nChannel 0: We we we hope to get everything sort of in line pretty quickly for you so that way it's less of a headache for you when it can just roll nicely from there.\n\nChannel 1: Yep. No. Sounds good.\n\nChannel 0: But, yeah, other than that, once once we get everything implemented, yeah, you you're able to sort of, I guess, nominate how often we contact you, and I can have that on file and sort of preset up those\n\nChannel 1: Yep.\n\nChannel 0: sort of rough meeting dates\n\nChannel 1: Mhmm.\n\nChannel 0: where we would reach out to you. So, I guess, now's the best time. Do you have a best contact time for us to reach out to you? Mornings, afternoons, a specific date? Or\n\nChannel 1: Generally, more afternoons. Afternoons are sorta are easier for me. Yeah. Anywhere right right now, around between three and four is smart.\n\nChannel 0: yep. And do you have like, do did you want us to reach out and contact you quarterly, half yearly,\n\nChannel 1: Probably\n\nChannel 0: or\n\nChannel 1: just\n\nChannel 0: just\n\nChannel 1: half\n\nChannel 0: annually?\n\nChannel 1: a year. I think\n\nChannel 0: Half\n\nChannel 1: half\n\nChannel 0: yearly?\n\nChannel 1: a year for just to well, at least for the next little bit, just to see how we're going.\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: And then, yeah, and then we can sort of that's probably quite a good thing, I suppose, for now anyway.\n\nChannel 0: Perfect. Absolutely. No. That's awesome. So I'll just kind of preset our next kind of appointment.\n\nSo that way, it's there, and we can reach out to you in kind of six months' time after we get everything implemented and touch\n\nChannel 1: Yep.\n\nChannel 0: base. Okay?\n\nChannel 1: Yeah. No. It sounds good.\n\nChannel 0: Amazing. Perfect. Well, outside of that, did you have any questions for me that you may\n\nChannel 1: No. I\n\nChannel 0: have\n\nChannel 1: think\n\nChannel 0: wanted\n\nChannel 1: I'm pretty\n\nChannel 0: answered?\n\nChannel 1: good. Sort of. I I went through I'd I'd I'd as I said to Fabian, I I didn't read the majority of it all. There were there were bits that were just yeah. I didn't know what the hell they were and skipped over them.\n\nChannel 0: Yeah.\n\nChannel 1: But for the majority, I I read the bits that that I could understand. So yeah. So most of it was, yeah, quite self explanatory.\n\nChannel 0: Amazing. No. That's perfect. I love that it makes\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: sense.\n\nChannel 1: Yeah.\n\nChannel 0: I know\n\nChannel 1: Good.\n\nChannel 0: it's\n\nChannel 1: Yeah. I\n\nChannel 0: sometimes\n\nChannel 1: could understand\n\nChannel 0: it can be\n\nChannel 1: what\n\nChannel 0: a lot.\n\nChannel 1: I read.\n\nChannel 0: Yeah. Good. Sometimes it can be a lot, and I know that the document has a lot in it. And so\n\nChannel 1: Yeah.\n\nChannel 0: I always hope\n\nChannel 1: Can\n\nChannel 0: that\n\nChannel 1: do.\n\nChannel 0: that it has as clear as mud sometimes.\n\nChannel 1: Yeah. Yeah. Totally. Absolutely.\n\nChannel 0: Alright. Perfect. Well, I will leave you alone for the afternoon so you can get on, and my team will reach out to you on Monday\n\nChannel 1: Yeah.\n\nChannel 0: to have a chat and go through I guess, officially welcome you to the tea.\n\nChannel 1: Yep. Okay. Sounds good.\n\nChannel 0: Amazing. Perfect.\n\nChannel 1: Okay.\n\nChannel 0: Well, it was\n\nChannel 1: Excellent.\n\nChannel 0: a pleasure, and\n\nChannel 1: Alright.\n\nChannel 0: we'll speak soon.\n\nChannel 1: Okay. Thanks, Larissa.\n\nChannel 0: No problems at all. Have a\n\nChannel 1: Alright.\n\nChannel 0: good one.\n\nChannel 1: You too. Bye.\n\nChannel 0: K. Bye, Sandra. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Sandra.","start":1.5999999,"end":2.42,"sentiment":"neutral","sentiment_score":-0.007024149410426617},{"text":"Sorry about that.","start":2.48,"end":3.04,"sentiment":"neutral","sentiment_score":-0.21766901016235352},{"text":"I don't know what happened.","start":3.04,"end":3.84,"sentiment":"neutral","sentiment_score":-0.21947199404239653},{"text":"The call just dropped.","start":3.84,"end":4.9,"sentiment":"neutral","sentiment_score":-0.30700431764125824}],"sentiment":"neutral","sentiment_score":-0.21374518357749497,"channel":0,"num_words":14,"start":1.5999999,"end":4.9},{"sentences":[{"text":"Yeah.","start":5.04,"end":5.52,"sentiment":"neutral","sentiment_score":0.03785322606563568},{"text":"It's alright.","start":5.52,"end":6.08,"sentiment":"neutral","sentiment_score":0.2521652728319168},{"text":"It's all good.","start":6.08,"end":6.8199997,"sentiment":"positive","sentiment_score":0.588198721408844}],"sentiment":"positive","sentiment_score":0.38446332265933353,"channel":1,"num_words":6,"start":5.04,"end":6.8199997},{"sentences":[{"text":"Just to let you know, our our calls are recorded.","start":7.8399997,"end":9.94,"sentiment":"neutral","sentiment_score":0.06575402729213238},{"text":"So, yeah, what I was saying was, yeah, it it's it's got a it's it's we we don't invest in anything that's, you know, super risky or that is brand new to market.","start":11.679999,"end":23.795,"sentiment":"neutral","sentiment_score":-0.1913637536380327},{"text":"We're not looking","start":23.795,"end":24.435,"sentiment":"neutral","sentiment_score":-0.16266231735547385}],"sentiment":"neutral","sentiment_score":-0.13359675106956906,"channel":0,"num_words":46,"start":7.8399997,"end":24.435},{"sentences":[{"text":"Yeah.","start":24.305,"end":24.805,"sentiment":"neutral","sentiment_score":-0.09742040932178496}],"sentiment":"neutral","sentiment_score":-0.09742040932178496,"channel":1,"num_words":1,"start":24.305,"end":24.805},{"sentences":[{"text":"to, you know, find the next upcoming thing.","start":24.435,"end":26.115,"sentiment":"neutral","sentiment_score":-0.09017249755561352},{"text":"We're looking at long term valuable assets,","start":26.115,"end":28.939999,"sentiment":"neutral","sentiment_score":-0.006443869322538376}],"sentiment":"neutral","sentiment_score":-0.05109913771351179,"channel":0,"num_words":15,"start":24.435,"end":28.939999},{"sentences":[{"text":"Mhmm.","start":29.22,"end":29.72,"sentiment":"neutral","sentiment_score":0.001901540905237198}],"sentiment":"neutral","sentiment_score":0.001901540905237198,"channel":1,"num_words":1,"start":29.22,"end":29.72},{"sentences":[{"text":"and then we're looking to make tweaks as we go along.","start":29.4,"end":31.72,"sentiment":"neutral","sentiment_score":0.011556214568289843},{"text":"We're not looking","start":31.72,"end":32.28,"sentiment":"neutral","sentiment_score":-0.021501316999395687}],"sentiment":"neutral","sentiment_score":0.004472457803785801,"channel":0,"num_words":14,"start":29.4,"end":32.28},{"sentences":[{"text":"To","start":32.18,"end":32.42,"sentiment":"neutral","sentiment_score":-0.01979539170861244}],"sentiment":"neutral","sentiment_score":-0.01979539170861244,"channel":1,"num_words":1,"start":32.18,"end":32.42},{"sentences":[{"text":"to","start":32.28,"end":32.52,"sentiment":"neutral","sentiment_score":-0.026015248149633408}],"sentiment":"neutral","sentiment_score":-0.026015248149633408,"channel":0,"num_words":1,"start":32.28,"end":32.52},{"sentences":[{"text":"what?","start":32.42,"end":32.92,"sentiment":"neutral","sentiment_score":-0.021551216021180153}],"sentiment":"neutral","sentiment_score":-0.021551216021180153,"channel":1,"num_words":1,"start":32.42,"end":32.92},{"sentences":[{"text":"full up you know, upheaval of the portfolio every year, but, you 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They recommend reducing premiums and increasing life insurance, and emphasizes their independence and flexibility. The speaker explains that life insurance policies are flexible and can be customized based on client needs, and provides instructions on transferring insurance and filling out a certificate of currency. The customer is advised to wait for a call from the insurance company and to fill out a statement."},"intents":{"segments":[{"text":"I'm hitting it a little bit further, and, obviously, with the, you know, reducing your premiums on your insurance, not wanting Yep. to go ahead with the whole 120 and change, we're gonna hit that mark a little bit better because we're not gonna have that compounding effect Yep. Okay.","start_word":360,"end_word":409,"intents":[{"intent":"Address insurance concerns","confidence_score":0.0047447784}]},{"text":"If you were just wanting to leave it there to, you know, help out the family or leave a bit of a a benefit for, you know, friends, family, kids, grandkids, whatever the case may be, then then that's that's absolutely fine. It's just it's very, very independent in what people do with Okay. life insurance policies.","start_word":638,"end_word":694,"intents":[{"intent":"Discuss policy","confidence_score":0.005023206}]},{"text":"And we'll talk about we'll talk about it every year when that. we do Mhmm. your complete annual review, Okay. But it also becomes a talking point because, like, we're gonna be caught in contact with you quite a bit over the next little bit to get everything implemented. Once Yep.","start_word":843,"end_word":893,"intents":[{"intent":"Plan implementation","confidence_score":0.0003194277}]},{"text":"What I wanna do is nominate your lead personal representative, which means that the super fund, the insurance policy that's attached to the fund will pay to your estate, and I'm therefore recommending that we do get a will in place.","start_word":1013,"end_word":1053,"intents":[{"intent":"Recommend will","confidence_score":0.05235456},{"intent":"Reschedule nomination","confidence_score":0.0013387612}]},{"text":"if any of your personal position changes, they're definitely going and get that all reviewed. Yeah.","start_word":1150,"end_word":1165,"intents":[{"intent":"Update personal information","confidence_score":0.13695559}]},{"text":"So my husband died ten years ago. 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And because both of your accounts will be open for a period of time, we let you know before we roll the final amount over from ART, Okay.","start_word":1588,"end_word":1639,"intents":[{"intent":"Gather feedback on contributions","confidence_score":0.00008967727}]},{"text":"And do you have like, do did you want us to reach out and contact you quarterly, half yearly, Probably or just just half annually? a year.","start_word":1895,"end_word":1921,"intents":[{"intent":"Schedule meeting","confidence_score":0.18350573}]}]},"sentiments":{"segments":[{"text":"Hi, Sandra. Sorry about that. I don't know what happened. The call just dropped. Yeah. It's alright.","start_word":0,"end_word":16,"sentiment":"neutral","sentiment_score":-0.08601229637861252},{"text":"It's all good.","start_word":17,"end_word":19,"sentiment":"positive","sentiment_score":0.5844884514808655},{"text":"Just to let you know, our our calls are recorded. So, yeah, what I was saying was, yeah, it it's it's got a it's it's we we don't invest in anything that's, you know, super risky or that is brand new to market. We're not looking Yeah. to, you know, find the next upcoming thing. We're looking at long term valuable assets, Mhmm. and then we're looking to make tweaks as we go along. We're not looking To to what? full up you know, upheaval of the portfolio every year, but, you know, small waiting tweaks or the incorporation of the little little changes here and there Yep. to keep up Yep. to date with where the market's heading is what we wanna do moving forward. Now I've chosen Hub twenty four because it offers the availability to invest in such a manner. Australian Retirement Trust doesn't allow your industry funds don't offer that that flexibility with the investments. Yep. And and outside of that, Hub twenty four actually allow us to do what's called in species investing. So it's where we can, basically, rather than go to market and buy the assets at market price and have to pay for brokerage fees, we are able to just trade within Hub twenty four and basically swap assets with other members of Hub twenty four without Okay. having to go and pay brokerage. So it's Yep.","start_word":20,"end_word":254,"sentiment":"neutral","sentiment_score":0.04051622375845909},{"text":"a lot more cost effective for you in the long run.","start_word":255,"end_word":265,"sentiment":"positive","sentiment_score":0.34644898772239685},{"text":"Yep. Now outside of that, the insurance we kinda were already kinda went over with respect to what we're gonna do Mhmm. insurance wise. Oh, actually, let me circle back. The superannuation side of things. Even with the change and the increase in the insurance premiums that I recommended, we Yep.","start_word":266,"end_word":316,"sentiment":"neutral","sentiment_score":0.02295253425836563},{"text":"are still sitting much better projection wise moving forward, and both outcomes, both your Australian Retirement Trust Fund, the way it currently operates, and my recommendations does actually see you over $500,000. So we're Okay. definitely hitting that $400,000 mark, which is great.","start_word":317,"end_word":359,"sentiment":"positive","sentiment_score":0.5573974251747131},{"text":"I'm hitting it a little bit further, and, obviously, with the, you know, reducing your premiums on your insurance, not wanting Yep. to go ahead with the whole 120 and change, we're gonna hit that mark a little bit better because we're not gonna have that compounding effect Yep. Okay. coming out of the fund. And as we go through and, you know, you do get older or, you know, you don't want the insurance there as a as a backfall, we can decrease that policy and, as a backfall, we can decrease that policy Okay. and and eventually drop it entirely Yep. once you you're in a position and once you're comfortable to basically self insure and not have that that policy there anymore. Okay.","start_word":360,"end_word":485,"sentiment":"neutral","sentiment_score":0.12366821616888046},{"text":"Sounds good.","start_word":486,"end_word":487,"sentiment":"positive","sentiment_score":0.3408808410167694},{"text":"Yeah. Do do you sort of only like, do I keep these the insurances that are they something you have forever till the day you die, or is it just for for the work? Like, when you finish when you retire from work, you then cancel them, or what how does that work? When you retire from work, we we definitely cancel the total permanent disability cover, and that's because we can only claim it while we are working. Yep. Once Okay. you cease working, it's not a claimable asset anymore. Yep. So it is it is very much a policy that's only there for when you're Okay. working. Yeah. Once you leave work, PPD, we would we we would look to face. Okay. But the life insurance policy, that can be there for as long as possible. It just depends on what your aim with that policy is. If you were just wanting to leave it there to, you know, help out the family or leave a bit of a a benefit for, you know, friends, family, kids, grandkids, whatever the case may be, then then that's that's absolutely fine.","start_word":488,"end_word":678,"sentiment":"neutral","sentiment_score":0.019871447703445143},{"text":"It's just it's very, very independent in what people do with Okay.","start_word":679,"end_word":690,"sentiment":"positive","sentiment_score":0.43527328968048096},{"text":"life insurance policies. So that's Yep. why any conversation I have with a client differs to another conversation I have with another client because everyone wants a policy for a different reason type of thing. Yeah. Yeah. Yeah. For sure. For sure. So But argument's some sake, mhmm. like, Yeah. when I when I finish work Yeah. and and so the TBD gets canceled, I could then double the life insurance, so I'm still basically paying same same? Or We can does it look at we can look at increasing the life insurance, but we we you don't automatically double it. Generally, oh, okay. the life insurance policy would just stay as it is, Okay. and Okay. and the the the the TPD benefit would just drop it off, which would decrease Yep. your premiums. Okay. That's alright. That's alright. It's Yeah. fingers crossed. Got plenty of time to worry about Yeah. And we'll talk about we'll talk about it every year when that. we do Mhmm. your complete annual review, Okay. But it also becomes a talking point because, like, we're gonna be caught in contact with you quite a bit over the next little bit to get everything implemented. Once Yep. everything's implemented, we'll kinda drop back a little bit to contacting you at your preference time. So whether Yep. that's quarterly, half yearly, or just a yearly touch base, that's up to you with how often we engage, and and and you could definitely set that parameter. Yeah. Okay.","start_word":691,"end_word":942,"sentiment":"neutral","sentiment_score":0.08824951946735382},{"text":"All good.","start_word":943,"end_word":944,"sentiment":"positive","sentiment_score":0.513091504573822},{"text":"So, otherwise, yeah, the insurance yeah. If you want me to decrease it, just I just need you to put that in writing, For and sure. then I can I can proceed with with just altering that that side of things? But, otherwise, what I what I want you to do, because we don't have any CIS dependent nominated people, so CIS is the Superannuation Industry Act. Yep. What I wanna do is nominate your lead personal representative, which means that the super fund, the insurance policy that's attached to the fund will pay to your estate, and I'm therefore recommending that we do get a will in place. Because if we don't have I've a will in I've I've got place a will. Yeah.","start_word":945,"end_word":1069,"sentiment":"neutral","sentiment_score":0.0695621445775032},{"text":"that's up to date and has been reviewed and that does support I your wishes. So so long as so long as you're comfortable that it definitely does that yeah.","start_word":1070,"end_word":1099,"sentiment":"positive","sentiment_score":0.4515420198440552},{"text":"I only just updated at the beginning of this year, actually.","start_word":1100,"end_word":1110,"sentiment":"neutral","sentiment_score":0.19128203392028809},{"text":"perfect, then that's absolutely fine.","start_word":1111,"end_word":1115,"sentiment":"positive","sentiment_score":0.6118851900100708},{"text":"So then your legal personal representative is a a valid nomination and that there's there's no concerns with you passing away in test date, which Yep. is without without a will. Of course, Yeah. if any of your personal position changes, they're definitely going and get that all reviewed. Yeah. Yeah. Yeah. So my husband died ten years ago. Yeah. And because my kids were under 18, I I had them nominated if something happened to me, but my brother took them on. And then it was like, all of a sudden, I went, oh, shit. My youngest is 20. He's still gonna go to my brother. I better get that back. So Yeah. yeah. So I literally only did it just, yeah, beginning of the year. So Yeah. It's kind of it's always a bit of a funny thing when we when you kind of realize that life has rolled on and and all of a Yeah. sudden Yeah. the the You wheel might not be as up to date just as what we thought it was. well, that's right. That's right. Because, well, prior to my husband passing away, I I hadn't didn't even have a will. Yeah. So all of a sudden, it was like, oh, shit. You know, shit's getting real now. Yeah. Of course. Oh, yeah. Yeah. No. At least that's current, so that's one tick.","start_word":1116,"end_word":1346,"sentiment":"neutral","sentiment_score":-0.058102973240923575},{"text":"Oh, very much one massive kick, which is good.","start_word":1347,"end_word":1355,"sentiment":"positive","sentiment_score":0.6759692430496216},{"text":"So moving forward, what we what we would do is we would proceed with basically, proceed with with getting the the superannuation fund mostly rolled over. So we'd leave a very Yep. small amount of money until we transferred the insurances. Oh, yes. Yes. I The ones spoke with that about with Fabian. Yep. So I Yeah. understand that. Just to make sure nothing falls off, it still rolls along. Correct. The one thing that we would need is we'd need a statement from ART with your insurances attached from How do I do that? it's a request you'd have to put in with ART for a specific request, unfortunately, Yep. requesting basically what's called a certificate of currency. Yep. My team can can kinda kinda help you navigate how to do that Mhmm. during Monday's call, Yep. but we we need that to submit to Hub twenty four when we transfer the insurance. That's Okay. the painful part. But other than that, we take care of everything else on the on the side of that. Okay. Okay? Outside of that, I recommend that we where did it go? Sorry. I've scrolled up and down the document because I skipped ahead to the insurance. So now I'm, like, going back. With the with the, you know, creation of your new account, we obviously need to change your super current contributions, Yep. including the salary sacrifice arrangements and your employer based contributions over to the hub twenty four fund, we send you out the contribution form. And because both of your accounts will be open for a period of time, we let you know before we roll the final amount over from ART, Okay. Yep. and we always do a check to make sure that there's been sort of a payment that's landed, and you have to pay full before we do that. Okay. We'll get con confirmation from you that you've already, you know, made that change with your employer and, you know, you just we would some employers pay quarterly, So we won't obviously wait until, you know, a quarterly payment comes in. But if they pay weekly, Yeah. fortnightly, No. monthly, We then that's we okay. do monthly here. Yeah. Yeah. We do Yeah. monthly here. So yep.","start_word":1356,"end_word":1735,"sentiment":"neutral","sentiment_score":0.07238638331427386},{"text":"That's fine. Perfect. Yeah. So it shouldn't hopefully take that long to get everything up set up. Okay. We we we hope to get everything sort of in line pretty quickly for you so that way it's less of a headache for you when it can just roll nicely from there.","start_word":1736,"end_word":1786,"sentiment":"positive","sentiment_score":0.5334188342094421},{"text":"Yep. No.","start_word":1787,"end_word":1788,"sentiment":"neutral","sentiment_score":0.20755815505981445},{"text":"Sounds good.","start_word":1789,"end_word":1790,"sentiment":"positive","sentiment_score":0.40083861351013184},{"text":"But, yeah, other than that, once once we get everything implemented, yeah, you you're able to sort of, I guess, nominate how often we contact you, and I can have that on file and sort of preset up those Yep. sort of rough meeting dates Mhmm. where we would reach out to you. So, I guess, now's the best time. Do you have a best contact time for us to reach out to you? Mornings, afternoons, a specific date? Or Generally, more afternoons. Afternoons are sorta are easier for me. Yeah. Anywhere right right now, around between three and four is smart. yep. And do you have like, do did you want us to reach out and contact you quarterly, half yearly, Probably or just just half annually? a year. I think Half half yearly? a year for just to well, at least for the next little bit, just to see how we're going. Yeah.","start_word":1791,"end_word":1945,"sentiment":"neutral","sentiment_score":0.11881601983501064},{"text":"Absolutely. And then, yeah, and then we can sort of that's probably quite a good thing, I suppose, for now anyway. Perfect. Absolutely.","start_word":1946,"end_word":1968,"sentiment":"positive","sentiment_score":0.4048888981342316},{"text":"No.","start_word":1969,"end_word":1969,"sentiment":"neutral","sentiment_score":0.33111312985420227},{"text":"That's awesome. So I'll just kind of preset our next kind of appointment.","start_word":1970,"end_word":1982,"sentiment":"positive","sentiment_score":0.3950149714946747},{"text":"So that way, it's there, and we can reach out to you in kind of six months' time after we get everything implemented and touch Yep. base. Okay? Yeah. No.","start_word":1983,"end_word":2012,"sentiment":"neutral","sentiment_score":0.23143915832042697},{"text":"It sounds good. Amazing. Perfect.","start_word":2013,"end_word":2017,"sentiment":"positive","sentiment_score":0.5631812810897827},{"text":"Well, outside of that, did you have any questions for me that you may No. I have think wanted I'm pretty answered? good. Sort of. I I went through I'd I'd I'd as I said to Fabian, I I didn't read the majority of it all. There were there were bits that were just yeah. I didn't know what the hell they were and skipped over them. Yeah. But for the majority, I I read the bits that that I could understand. So yeah. So most of it was, yeah, quite self explanatory.","start_word":2018,"end_word":2110,"sentiment":"neutral","sentiment_score":0.041804805397987366},{"text":"Amazing.","start_word":2111,"end_word":2111,"sentiment":"positive","sentiment_score":0.3596463203430176},{"text":"No.","start_word":2112,"end_word":2112,"sentiment":"neutral","sentiment_score":0.19171974062919617},{"text":"That's perfect. I love that it makes Yeah.","start_word":2113,"end_word":2120,"sentiment":"positive","sentiment_score":0.391469806432724},{"text":"Yeah. sense. Yeah. I know Good. it's Yeah. I sometimes could understand it can be what a lot. I read. Yeah. Good. Sometimes it can be a lot, and I know that the document has a lot in it. And so Yeah. I always hope Can that do. that it has as clear as mud sometimes. Yeah. Yeah. Totally. Absolutely. Alright. Perfect. Well, I will leave you alone for the afternoon so you can get on, and my team will reach out to you on Monday Yeah. to have a chat and go through I guess, officially welcome you to the tea. Yep. Okay.","start_word":2121,"end_word":2224,"sentiment":"neutral","sentiment_score":0.10483157735031384},{"text":"Sounds good. Amazing. Perfect. Okay. Well, it was Excellent. a pleasure, and Alright. we'll speak soon. Okay. Thanks, Larissa. No problems at all. Have a Alright. good one. You too.","start_word":2225,"end_word":2254,"sentiment":"positive","sentiment_score":0.579157829284668},{"text":"Bye. K. Bye, Sandra. Bye.","start_word":2255,"end_word":2259,"sentiment":"neutral","sentiment_score":0.11750872433185576}],"average":{"sentiment":"neutral","sentiment_score":0.10742513993913232}}}}