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Is now still a good time for you, Dean? Yep. Let me no. From just before we jump into that one, Dean, if I could just pass you through security, is that name, date of birth, and kind of address we can get stuck into that one today? Perfect. Thank you for that one. Now I had it in regarding beneficiaries and beneficiary nominations. Is that sort of what you want some information around this morning? Yep. Because at the moment, currently, I've got your spouse listed there as a 100% currently on your superannuation. I can't actually see if your insurance is at the moment. Are you looking to change that, or is there a specific reason for that? Are you guys separating or just Yep. And now I hate to sort of pry on a bit of a delicate matter there for you, Dean, but is that sort of being finalized? Is that in the process? Is that yeah. Because, obviously, superannuation is one thing in terms of your insurances in regards to nominating, obviously, different beneficiary. In terms of, like, your whole financial situation with separating from a spouse, it does generally require update to your financial advice, but that normally can't come until after, obviously, the finalization of the separation with, you know, assets, things like that as well, and where you're currently at, whether or not you're moving, things like that as well. So as far as the beneficiary nomination side of things is concerned, you definitely can update that. Now given that as far as I'm aware, you don't have any sort of dependence there. Superannuation is quite strict in the CIS law that you have to nominate someone that's dependent or interdependent or in some way reliant on you, whether that's emotionally, financially, things like that, which so, yeah, the option for a single, if you don't have someone that falls under that nomination type, is you can leave it to an LPR, which is a legal person representative, and then it can be distributed by your estate, which is where it most likely would end up anyway. Sort of it's not going to happen to you even if you didn't have a nomination. The fund has a look to see if they can find anyone that might fit the description under the system. If they can't find it, then, generally, they'll release the funds to the estate to be distributed per the estate. Now I know at the moment you don't have a will set up. That still doesn't mean you can't just nominate the legal personal representative, and then it goes to the estate. It just means that once it gets there, it'll only be distributed per how it sort of falls in regards to how your estate gets settled without a will, which is sort of up to the laws who comes forward, things like that as well, which given you've got a a spouse or soon to be ex if it ends up in the estate without having a valid will in place as well, that can also mean that, you know, they might come forward and try to make some sort of claim against it as well. So in the process of separation, it probably is a good idea as well to set up a will in regards to that as well, if that makes sense. Do you have any questions in regards to that at all? When you name that, it's actually the executor of the will, so who you put in charge of, like, distributing your will. If you don't have someone to distribute or don't have anyone or will or things like that set up in place, generally, like, it becomes, like, some sort of, like, court appointed executor when people start trying to make a claim against the estate and people start coming forward, if that makes sense. But in regards to to that, do you have any questions at the moment in regards to anything else related to that? And how like, with you saying you're starting a process of, like, the proceedings started, or are you just sort of getting your ducks in a row before you file and things like that? Yeah. So with with that one, given that it might take some time, I can put you in for, like, a bit of a three month follow-up just because once the separation is final and the distribute distribution of, you know, marital assets and things like that as well does occur, we'll probably have to look at updating your advice, and we can do that also sort of in one, if that makes sense as well. Six months. Yep. Yeah. It's meant sort of I wasn't expecting it to be finalized, but then just more of a touchpoint to see how things are going. But six months is fine. And I'll chuck that down. When that sort of does occur, they'll go through and be able to just look at updating everything. I'll have a look when you're due for your end of review as well and see where that lines up with things. Just bear with me. Yep. So end of reviews, not until sort of December. So, yeah, we'd probably be reaching out before that, but then they can sort of conduct a bit of an early annual review, get your updated details, look at updating anything in regards to your advice and things like that as well. So do you have any other questions there, Dean, in relation to to anything I can help you with today? Not a problem at all. Do you need those forms resent to you? Yeah. Like, you could preemptively still nominate a legal person representative if you wanted and then sort of just, oh, in the back end, you know, obviously do the the will sort of thing. But in the the meantime as well, obviously, with the the separation and things like that anyway, there is a chance that, like, if something were to happen between now and there, it'd still be you know, she'd be a spouse. So the likelihood that she'd get it anyway is still quite high, I assume. But you can preemptively nominate, like, your legal personal representative and then be able to sort of do the will in the back end. You don't have to have a will set in place to do that nomination just so it's already there. But in saying that as well, you know, a few years from now as well, you might have a different sort of spouse, but you definitely can sort of look at, yeah, updating it now if you wanted. And I can even just get them to put you on a list to get those mailed back out to you just so you have them in the event that you do wanna fill them out. Not a problem. Yeah. So just whoever you name is, like, the executor on your will to, like, distribute your estate per your wishes, whether that sort of be generally, like, obviously, you don't normally do, like, parents are normally, like, a trusted friend, siblings, things like that, listed as an executor, and then sort of later down the track, people start nominating their kids and things like that or someone a little bit younger just to in the event that sort of they went first. Not a problem at all there, Dean. Good luck with everything. In the meantime, I'll chuck you down for that follow-up. Any questions you sort of have along the way. Feel free to even if it doesn't fall in the wheelhouse and advise that just to, you know, get some clarification, and then we can sort of see and maybe put you in touch with sort of a locals list of it being in WA. It's probably a little bit easier being with someone a bit closer to home with the time difference. Not a problem at all. But anything else for me, Wyatt, before I let you go there, Dan? Not a problem at all. Well, good luck with everything. You have a good day at work, and I'm sure we'll be speaking soon. Thanks, man. 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morning, Dane. It's Carl Cohen. Mercy Financial. How are you today? Yeah.\n\nNot a problem. How's it going? I had you scheduled in to go over a bit of a discussion around some queries you had. Is now still a good time for you, Dean? Yep.\n\nLet me no. From just before we jump into that one, Dean, if I could just pass you through security, is that name, date of birth, and kind of address we can get stuck into that one today? Perfect. Thank you for that one. Now I had it in regarding beneficiaries and beneficiary nominations.\n\nIs that sort of what you want some information around this morning? Yep. Because at the moment, currently, I've got your spouse listed there as a 100% currently on your superannuation. I can't actually see if your insurance is at the moment. Are you looking to change that, or is there a specific reason for that?\n\nAre you guys separating or just Yep. And now I hate to sort of pry on a bit of a delicate matter there for you, Dean, but is that sort of being finalized? Is that in the process? Is that yeah. Because, obviously, superannuation is one thing in terms of your insurances in regards to nominating, obviously, different beneficiary.\n\nIn terms of, like, your whole financial situation with separating from a spouse, it does generally require update to your financial advice, but that normally can't come until after, obviously, the finalization of the separation with, you know, assets, things like that as well, and where you're currently at, whether or not you're moving, things like that as well. So as far as the beneficiary nomination side of things is concerned, you definitely can update that. Now given that as far as I'm aware, you don't have any sort of dependence there. Superannuation is quite strict in the CIS law that you have to nominate someone that's dependent or interdependent or in some way reliant on you, whether that's emotionally, financially, things like that, which so, yeah, the option for a single, if you don't have someone that falls under that nomination type, is you can leave it to an LPR, which is a legal person representative, and then it can be distributed by your estate, which is where it most likely would end up anyway. Sort of it's not going to happen to you even if you didn't have a nomination.\n\nThe fund has a look to see if they can find anyone that might fit the description under the system. If they can't find it, then, generally, they'll release the funds to the estate to be distributed per the estate. Now I know at the moment you don't have a will set up. That still doesn't mean you can't just nominate the legal personal representative, and then it goes to the estate. It just means that once it gets there, it'll only be distributed per how it sort of falls in regards to how your estate gets settled without a will, which is sort of up to the laws who comes forward, things like that as well, which given you've got a a spouse or soon to be ex if it ends up in the estate without having a valid will in place as well, that can also mean that, you know, they might come forward and try to make some sort of claim against it as well.\n\nSo in the process of separation, it probably is a good idea as well to set up a will in regards to that as well, if that makes sense. Do you have any questions in regards to that at all? When you name that, it's actually the executor of the will, so who you put in charge of, like, distributing your will. If you don't have someone to distribute or don't have anyone or will or things like that set up in place, generally, like, it becomes, like, some sort of, like, court appointed executor when people start trying to make a claim against the estate and people start coming forward, if that makes sense. But in regards to to that, do you have any questions at the moment in regards to anything else related to that?\n\nAnd how like, with you saying you're starting a process of, like, the proceedings started, or are you just sort of getting your ducks in a row before you file and things like that? Yeah. So with with that one, given that it might take some time, I can put you in for, like, a bit of a three month follow-up just because once the separation is final and the distribute distribution of, you know, marital assets and things like that as well does occur, we'll probably have to look at updating your advice, and we can do that also sort of in one, if that makes sense as well. Six months. Yep.\n\nYeah. It's meant sort of I wasn't expecting it to be finalized, but then just more of a touchpoint to see how things are going. But six months is fine. And I'll chuck that down. When that sort of does occur, they'll go through and be able to just look at updating everything.\n\nI'll have a look when you're due for your end of review as well and see where that lines up with things. Just bear with me. Yep. So end of reviews, not until sort of December. So, yeah, we'd probably be reaching out before that, but then they can sort of conduct a bit of an early annual review, get your updated details, look at updating anything in regards to your advice and things like that as well.\n\nSo do you have any other questions there, Dean, in relation to to anything I can help you with today? Not a problem at all. Do you need those forms resent to you? Yeah. Like, you could preemptively still nominate a legal person representative if you wanted and then sort of just, oh, in the back end, you know, obviously do the the will sort of thing.\n\nBut in the the meantime as well, obviously, with the the separation and things like that anyway, there is a chance that, like, if something were to happen between now and there, it'd still be you know, she'd be a spouse. So the likelihood that she'd get it anyway is still quite high, I assume. But you can preemptively nominate, like, your legal personal representative and then be able to sort of do the will in the back end. You don't have to have a will set in place to do that nomination just so it's already there. But in saying that as well, you know, a few years from now as well, you might have a different sort of spouse, but you definitely can sort of look at, yeah, updating it now if you wanted.\n\nAnd I can even just get them to put you on a list to get those mailed back out to you just so you have them in the event that you do wanna fill them out. Not a problem. Yeah. So just whoever you name is, like, the executor on your will to, like, distribute your estate per your wishes, whether that sort of be generally, like, obviously, you don't normally do, like, parents are normally, like, a trusted friend, siblings, things like that, listed as an executor, and then sort of later down the track, people start nominating their kids and things like that or someone a little bit younger just to in the event that sort of they went first. Not a problem at all there, Dean.\n\nGood luck with everything. In the meantime, I'll chuck you down for that follow-up. Any questions you sort of have along the way. Feel free to even if it doesn't fall in the wheelhouse and advise that just to, you know, get some clarification, and then we can sort of see and maybe put you in touch with sort of a locals list of it being in WA. It's probably a little bit easier being with someone a bit closer to home with the time difference.\n\nNot a problem at all. But anything else for me, Wyatt, before I let you go there, Dan? Not a problem at all. Well, good luck with everything. You have a good day at work, and I'm sure we'll be speaking soon.\n\nThanks, man. Bye.","paragraphs":[{"sentences":[{"text":"Good morning, Dane.","start":3.6799998,"end":4.4,"sentiment":"positive","sentiment_score":0.4829955001672109},{"text":"It's Carl Cohen.","start":4.4,"end":5.12,"sentiment":"neutral","sentiment_score":0.2978305071592331},{"text":"Mercy Financial.","start":5.12,"end":5.8399997,"sentiment":"neutral","sentiment_score":0.3319273591041565},{"text":"How are you today?","start":5.8399997,"end":6.66,"sentiment":"positive","sentiment_score":0.42239178717136383},{"text":"Yeah.","start":11.36,"end":11.679999,"sentiment":"neutral","sentiment_score":0.14432556927204132}],"sentiment":"positive","sentiment_score":0.37232503524193394,"num_words":13,"start":3.6799998,"end":11.679999},{"sentences":[{"text":"Not a problem.","start":11.679999,"end":12.495,"sentiment":"neutral","sentiment_score":0.278341402610143},{"text":"How's it going?","start":16.575,"end":17.475,"sentiment":"neutral","sentiment_score":0.3013300995031993},{"text":"I had you scheduled in to go over a bit of a discussion around some queries you had.","start":18.095,"end":21.775,"sentiment":"neutral","sentiment_score":0.17765617122252783},{"text":"Is now still a good time for you, Dean?","start":21.775,"end":23.474998,"sentiment":"neutral","sentiment_score":0.3131046046813329},{"text":"Yep.","start":25.630001,"end":25.95,"sentiment":"neutral","sentiment_score":0.1140424907207489}],"sentiment":"neutral","sentiment_score":0.23143557415289037,"num_words":34,"start":11.679999,"end":25.95},{"sentences":[{"text":"Let me no.","start":25.95,"end":28.59,"sentiment":"neutral","sentiment_score":-0.003942297771573067},{"text":"From just before we jump into that one, Dean, if I could just pass you through security, is that name, date of birth, and kind of address we can get stuck into that one today?","start":28.59,"end":35.81,"sentiment":"neutral","sentiment_score":-0.0019567122949021203},{"text":"Perfect.","start":43.165,"end":43.565002,"sentiment":"positive","sentiment_score":0.6576167345046997},{"text":"Thank you for that one.","start":43.565002,"end":44.785,"sentiment":"positive","sentiment_score":0.6936089277267456},{"text":"Now I had it in regarding beneficiaries and beneficiary nominations.","start":45.085,"end":48.145,"sentiment":"neutral","sentiment_score":0.030674916878342628}],"sentiment":"neutral","sentiment_score":0.08059442070899187,"num_words":54,"start":25.95,"end":48.145},{"sentences":[{"text":"Is that sort of what you want some information around this morning?","start":48.205,"end":50.79,"sentiment":"neutral","sentiment_score":-0.00016905910645922026},{"text":"Yep.","start":53.27,"end":53.77,"sentiment":"neutral","sentiment_score":-0.0009998027235269549},{"text":"Because at the moment, currently, I've got your spouse listed there as a 100% currently on your superannuation.","start":53.99,"end":62.97,"sentiment":"neutral","sentiment_score":-0.10042938714226086},{"text":"I can't actually see if your insurance is at the moment.","start":63.190002,"end":65.215004,"sentiment":"neutral","sentiment_score":-0.23088376494971188},{"text":"Are you looking to change that, or is there a specific reason for that?","start":65.215004,"end":71.255005,"sentiment":"neutral","sentiment_score":-0.11748907608645302}],"sentiment":"neutral","sentiment_score":-0.10705939214676619,"num_words":56,"start":48.205,"end":71.255005},{"sentences":[{"text":"Are you guys separating or just Yep.","start":71.255005,"end":77.37,"sentiment":"neutral","sentiment_score":-0.07316116829003606},{"text":"And now I hate to sort of pry on a bit of a delicate matter there for you, Dean, but is that sort of being finalized?","start":78.630005,"end":85.29,"sentiment":"neutral","sentiment_score":-0.2519617754106338},{"text":"Is that in the process?","start":85.35,"end":86.41,"sentiment":"neutral","sentiment_score":-0.10239109992980958},{"text":"Is that yeah.","start":86.55,"end":96.885,"sentiment":"neutral","sentiment_score":-0.03492189943790436},{"text":"Because, obviously, superannuation is one thing in terms of your insurances in regards to nominating, obviously, different beneficiary.","start":96.885,"end":104.77,"sentiment":"neutral","sentiment_score":-0.1090382109913561}],"sentiment":"neutral","sentiment_score":-0.163432937873117,"num_words":59,"start":71.255005,"end":104.77},{"sentences":[{"text":"In terms of, like, your whole financial situation with separating from a spouse, it does generally require update to your financial advice, but that normally can't come until after, obviously, the finalization of the separation with, you know, assets, things like that as well, and where you're currently at, whether or not you're moving, things like that as well.","start":104.829994,"end":124.604996,"sentiment":"neutral","sentiment_score":-0.024540826780879398},{"text":"So as far as the beneficiary nomination side of things is concerned, you definitely can update that.","start":125.305,"end":130.985,"sentiment":"neutral","sentiment_score":0.2873210687847698},{"text":"Now given that as far as I'm aware, you don't have any sort of dependence there.","start":130.985,"end":135.98999,"sentiment":"neutral","sentiment_score":0.19255250366404653},{"text":"Superannuation is quite strict in the CIS law that you have to nominate someone that's dependent or interdependent or in some way reliant on you, whether that's emotionally, financially, things like that, which so, yeah, the option for a single, if you don't have someone that falls under that nomination type, is you can leave it to an LPR, which is a legal person representative, and then it can be distributed by your estate, which is where it most likely would end up anyway.","start":136.12999,"end":167.66,"sentiment":"neutral","sentiment_score":0.011334615360413278},{"text":"Sort of it's not going to happen to you even if you didn't have a nomination.","start":167.8,"end":170.86,"sentiment":"neutral","sentiment_score":-0.10040632705204189}],"sentiment":"neutral","sentiment_score":0.030536437006958295,"num_words":192,"start":104.829994,"end":170.86},{"sentences":[{"text":"The fund has a look to see if they can find anyone that might fit the description under the system.","start":171.4,"end":175.58,"sentiment":"neutral","sentiment_score":0.18397022783756256},{"text":"If they can't find it, then, generally, they'll release the funds to the estate to be distributed per the estate.","start":175.96501,"end":181.345,"sentiment":"neutral","sentiment_score":0.03774128817021847},{"text":"Now I know at the moment you don't have a will set up.","start":181.645,"end":184.285,"sentiment":"neutral","sentiment_score":-0.19730606617835852},{"text":"That still doesn't mean you can't just nominate the legal personal representative, and then it goes to the estate.","start":184.285,"end":189.18501,"sentiment":"neutral","sentiment_score":-0.1551642629661058},{"text":"It just means that once it gets there, it'll only be distributed per how it sort of falls in regards to how your estate gets settled without a will, which is sort of up to the laws who comes forward, things like that as well, which given you've got a a spouse or soon to be ex if it ends up in the estate without having a valid will in place as well, that can also mean that, you know, they might come forward and try to make some sort of claim against it as well.","start":189.75,"end":215.83499,"sentiment":"neutral","sentiment_score":0.018890857153261702}],"sentiment":"neutral","sentiment_score":0.00437293303686948,"num_words":168,"start":171.4,"end":215.83499},{"sentences":[{"text":"So in the process of separation, it probably is a good idea as well to set up a will in regards to that as well, if that makes sense.","start":215.83499,"end":226.39,"sentiment":"positive","sentiment_score":0.3365660320068228},{"text":"Do you have any questions in regards to that at all?","start":229.265,"end":231.845,"sentiment":"neutral","sentiment_score":0.08799927139824087},{"text":"When you name that, it's actually the executor of the will, so who you put in charge of, like, distributing your will.","start":240.145,"end":246.7,"sentiment":"neutral","sentiment_score":0.01007175733419982},{"text":"If you don't have someone to distribute or don't have anyone or will or things like that set up in place, generally, like, it becomes, like, some sort of, like, court appointed executor when people start trying to make a claim against the estate and people start coming forward, if that makes sense.","start":246.7,"end":263.645,"sentiment":"neutral","sentiment_score":-0.03613549934805564},{"text":"But in regards to to that, do you have any questions at the moment in regards to anything else related to that?","start":267.54498,"end":275.19,"sentiment":"neutral","sentiment_score":0.08626585386016151}],"sentiment":"neutral","sentiment_score":0.07980038609056578,"num_words":137,"start":215.83499,"end":275.19},{"sentences":[{"text":"And how like, with you saying you're starting a process of, like, the proceedings started, or are you just sort of getting your ducks in a row before you file and things like that?","start":278.61002,"end":287.625,"sentiment":"neutral","sentiment_score":-0.07145580682246123},{"text":"Yeah.","start":289.605,"end":290.005,"sentiment":"neutral","sentiment_score":-0.07388115674257278},{"text":"So with with that one, given that it might take some time, I can put you in for, like, a bit of a three month follow-up just because once the separation is final and the distribute distribution of, you know, marital assets and things like that as well does occur, we'll probably have to look at updating your advice, and we can do that also sort of in one, if that makes sense as well.","start":290.005,"end":310.44,"sentiment":"neutral","sentiment_score":0.09814978897571563},{"text":"Six months.","start":318.915,"end":319.635,"sentiment":"neutral","sentiment_score":0.08552709966897964},{"text":"Yep.","start":319.635,"end":320.135,"sentiment":"neutral","sentiment_score":0.1784275472164154}],"sentiment":"neutral","sentiment_score":0.04608263124802471,"num_words":113,"start":278.61002,"end":320.135},{"sentences":[{"text":"Yeah.","start":323.41,"end":323.91,"sentiment":"neutral","sentiment_score":0.10573094338178636},{"text":"It's meant sort of I wasn't expecting it to be finalized, but then just more of a touchpoint to see how things are going.","start":324.21,"end":329.25,"sentiment":"neutral","sentiment_score":0.046976888086646795},{"text":"But six months is fine.","start":329.25,"end":330.62997,"sentiment":"neutral","sentiment_score":0.2886893391609192},{"text":"And I'll chuck that down.","start":332.28998,"end":333.65,"sentiment":"neutral","sentiment_score":0.27288760244846344},{"text":"When that sort of does occur, they'll go through and be able to just look at updating everything.","start":333.65,"end":339.455,"sentiment":"neutral","sentiment_score":0.3314235417379273}],"sentiment":"neutral","sentiment_score":0.18880537201492292,"num_words":53,"start":323.41,"end":339.455},{"sentences":[{"text":"I'll have a look when you're due for your end of review as well and see where that lines up with things.","start":339.455,"end":344.03497,"sentiment":"neutral","sentiment_score":0.3023145178502256},{"text":"Just bear with me.","start":344.41498,"end":345.63498,"sentiment":"neutral","sentiment_score":0.15142105147242546},{"text":"Yep.","start":349.935,"end":350.175,"sentiment":"neutral","sentiment_score":0.2656095623970032},{"text":"So end of reviews, not until sort of December.","start":350.175,"end":352.97,"sentiment":"neutral","sentiment_score":0.13415760298569998},{"text":"So, yeah, we'd probably be reaching out before that, but then they can sort of conduct a bit of an early annual review, get your updated details, look at updating anything in regards to your advice and things like that as well.","start":352.97,"end":362.50998,"sentiment":"neutral","sentiment_score":0.2789735868573189}],"sentiment":"neutral","sentiment_score":0.2621349004598764,"num_words":78,"start":339.455,"end":362.50998},{"sentences":[{"text":"So do you have any other questions there, Dean, in relation to to anything I can help you with today?","start":366.265,"end":371.165,"sentiment":"positive","sentiment_score":0.36049557849764824},{"text":"Not a problem at all.","start":374.185,"end":375.065,"sentiment":"neutral","sentiment_score":0.23606378436088563},{"text":"Do you need those forms resent to you?","start":375.065,"end":377.19,"sentiment":"neutral","sentiment_score":0.0012767626903951168},{"text":"Yeah.","start":385.19,"end":385.43,"sentiment":"neutral","sentiment_score":-0.08175089210271835},{"text":"Like, you could preemptively still nominate a legal person representative if you wanted and then sort of just, oh, in the back end, you know, obviously do the the will sort of thing.","start":385.43,"end":394.495,"sentiment":"neutral","sentiment_score":0.09321553813237132}],"sentiment":"neutral","sentiment_score":0.17007173820218044,"num_words":67,"start":366.265,"end":394.495},{"sentences":[{"text":"But in the the meantime as well, obviously, with the the separation and things like that anyway, there is a chance that, like, if something were to happen between now and there, it'd still be you know, she'd be a spouse.","start":395.19498,"end":407.19,"sentiment":"neutral","sentiment_score":0.054112773025181235},{"text":"So the likelihood that she'd get it anyway is still quite high, I assume.","start":407.19,"end":410.81,"sentiment":"neutral","sentiment_score":-0.06806042338056224},{"text":"But you can preemptively nominate, like, your legal personal representative and then be able to sort of do the will in the back end.","start":412.63,"end":419.60498,"sentiment":"neutral","sentiment_score":0.326731625944376},{"text":"You don't have to have a will set in place to do that nomination just so it's already there.","start":419.60498,"end":423.705,"sentiment":"neutral","sentiment_score":0.2884363979101181},{"text":"But in saying that as well, you know, a few years from now as well, you might have a different sort of spouse, but you definitely can sort of look at, yeah, updating it now if you wanted.","start":424.725,"end":434.0,"sentiment":"neutral","sentiment_score":0.25988092577379}],"sentiment":"neutral","sentiment_score":0.17987576124313123,"num_words":136,"start":395.19498,"end":434.0},{"sentences":[{"text":"And I can even just get them to put you on a list to get those mailed back out to you just so you have them in the event that you do wanna fill them out.","start":434.0,"end":441.54,"sentiment":"positive","sentiment_score":0.37582291745477253},{"text":"Not a problem.","start":445.935,"end":446.755,"sentiment":"neutral","sentiment_score":0.2455298751592636},{"text":"Yeah.","start":450.97498,"end":451.29498,"sentiment":"neutral","sentiment_score":0.15817692875862122},{"text":"So just whoever you name is, like, the executor on your will to, like, distribute your estate per your wishes, whether that sort of be generally, like, obviously, you don't normally do, like, parents are normally, like, a trusted friend, siblings, things like that, listed as an executor, and then sort of later down the track, people start nominating their kids and things like that or someone a little bit younger just to in the event that sort of they went first.","start":451.29498,"end":473.39,"sentiment":"neutral","sentiment_score":0.14224265624837176},{"text":"Not a problem at all there, Dean.","start":479.445,"end":481.305,"sentiment":"positive","sentiment_score":0.42374731387410847}],"sentiment":"neutral","sentiment_score":0.22522884179917416,"num_words":129,"start":434.0,"end":481.305},{"sentences":[{"text":"Good luck with everything.","start":482.005,"end":483.285,"sentiment":"positive","sentiment_score":0.7522419989109039},{"text":"In the meantime, I'll chuck you down for that follow-up.","start":483.285,"end":485.20502,"sentiment":"neutral","sentiment_score":0.24327997863292694},{"text":"Any questions you sort of have along the way.","start":485.20502,"end":486.74,"sentiment":"neutral","sentiment_score":0.18432840373780993},{"text":"Feel free to even if it doesn't fall in the wheelhouse and advise that just to, you know, get some clarification, and then we can sort of see and maybe put you in touch with sort of a locals list of it being in WA.","start":486.74,"end":497.62,"sentiment":"neutral","sentiment_score":0.14980785813596514},{"text":"It's probably a little bit easier being with someone a bit closer to home with the time difference.","start":497.62,"end":502.13498,"sentiment":"neutral","sentiment_score":0.1270508426758978}],"sentiment":"neutral","sentiment_score":0.1875464209290438,"num_words":86,"start":482.005,"end":502.13498},{"sentences":[{"text":"Not a problem at all.","start":504.75497,"end":505.79498,"sentiment":"neutral","sentiment_score":0.32313695549964905},{"text":"But anything else for me, Wyatt, before I let you go there, Dan?","start":505.79498,"end":508.615,"sentiment":"neutral","sentiment_score":0.08901191244904812},{"text":"Not a problem at all.","start":510.59094,"end":511.63095,"sentiment":"positive","sentiment_score":0.37965072989463805},{"text":"Well, good luck with everything.","start":511.63095,"end":512.91095,"sentiment":"positive","sentiment_score":0.7476763248443603},{"text":"You have a good day at work, and I'm sure we'll be speaking soon.","start":512.91095,"end":515.41095,"sentiment":"positive","sentiment_score":0.6813166993004935}],"sentiment":"positive","sentiment_score":0.42733115960089935,"num_words":42,"start":504.75497,"end":515.41095},{"sentences":[{"text":"Thanks, man.","start":518.27094,"end":518.91095,"sentiment":"positive","sentiment_score":0.7397467494010925},{"text":"Bye.","start":518.91095,"end":519.41095,"sentiment":"neutral","sentiment_score":-0.10465489327907562}],"sentiment":"positive","sentiment_score":0.4582795351743698,"num_words":3,"start":518.27094,"end":519.41095}]}}]},{"alternatives":[{"transcript":"Hello? Dan speaking. I'm good. Just a sec. Let me just put my it's just the headphone. Hello? Yes. Yep. Just walked into the office. Yep. There's a rescue second on 33 Ford 3 Moreton Avenue, Yokoham. Yes. Yes. Yes. Well, I'm I'm beginning the process, and this is one of the steps. Again, what does a what does a single person do? Okay. Yeah. So this legal representative, who who is that? And then who does that be? Yeah. Okay. Okay. Yes. Yeah. I think six months is probably a better follow-up. Does it yeah. It takes time for for this sort of stuff to go through. Yep. Yep. No. That was pretty much it. Well, if there's if I probably do anything, we learn this. I wasn't much point in there. Yes. Yes. Yes. Yes. That's probably a good idea then. And the legal representative, that can be anyone I choose. Is that correct? Yep. No worries. Yes. That that was it. No worries. 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Dan speaking. I'm good. Just a sec. Let me just put my it's just the headphone.\n\nHello? Yes. Yep. Just walked into the office. Yep.\n\nThere's a rescue second on 33 Ford 3 Moreton Avenue, Yokoham. Yes. Yes. Yes. Well, I'm I'm beginning the process, and this is one of the steps.\n\nAgain, what does a what does a single person do? Okay. Yeah. So this legal representative, who who is that? And then who does that be?\n\nYeah. Okay. Okay. Yes. Yeah.\n\nI think six months is probably a better follow-up. Does it yeah. It takes time for for this sort of stuff to go through. Yep. Yep.\n\nNo. That was pretty much it. Well, if there's if I probably do anything, we learn this. I wasn't much point in there. Yes.\n\nYes. Yes. Yes. That's probably a good idea then. And the legal representative, that can be anyone I choose.\n\nIs that correct? Yep. No worries. Yes. That that was it.\n\nNo worries. 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choose.","start":446.705,"end":449.10498,"sentiment":"neutral","sentiment_score":0.13359076976776124}],"sentiment":"neutral","sentiment_score":0.2844755822106412,"num_words":19,"start":412.055,"end":449.10498},{"sentences":[{"text":"Is that correct?","start":449.10498,"end":449.79,"sentiment":"neutral","sentiment_score":0.12535303582747778},{"text":"Yep.","start":477.015,"end":477.515,"sentiment":"neutral","sentiment_score":0.16564297676086426},{"text":"No worries.","start":477.655,"end":478.315,"sentiment":"neutral","sentiment_score":0.1732860803604126},{"text":"Yes.","start":503.02502,"end":503.52502,"sentiment":"neutral","sentiment_score":0.1745065599679947},{"text":"That that was it.","start":508.86502,"end":510.0,"sentiment":"neutral","sentiment_score":0.10449465550482273}],"sentiment":"neutral","sentiment_score":0.13461449335921893,"num_words":11,"start":449.10498,"end":510.0},{"sentences":[{"text":"No worries.","start":516.48,"end":517.04,"sentiment":"positive","sentiment_score":0.34970924258232117},{"text":"I think it's just","start":517.04,"end":517.84,"sentiment":"positive","sentiment_score":0.4724009856581688}],"sentiment":"positive","sentiment_score":0.4315037379662196,"num_words":6,"start":516.48,"end":517.84}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Dan speaking.\n\nChannel 0: Good morning, Dane. It's Carl Cohen. Mercy Financial. How are you today?\n\nChannel 1: I'm good. Just a sec. Let me just put my it's just the headphone.\n\nChannel 0: Yeah. Not a problem. How's it going? I had you scheduled in to go over a bit of a discussion around some queries you had. Is now still a good time for you,\n\nChannel 1: Hello?\n\nChannel 0: Dean?\n\nChannel 1: Yes.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Let\n\nChannel 1: Just\n\nChannel 0: me\n\nChannel 1: walked into the office.\n\nChannel 0: no. From just before we jump into that one, Dean, if I could just pass you through security, is that name, date of birth, and kind of address we can get stuck into that one today?\n\nChannel 1: Yep. There's a rescue second on 33 Ford 3 Moreton Avenue, Yokoham.\n\nChannel 0: Perfect. Thank you for that one. Now I had it in regarding beneficiaries and beneficiary nominations. Is that sort of what you want some information around this morning?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Because at the moment, currently, I've got your spouse listed there as a 100% currently on your superannuation. I can't actually see if your insurance is at the moment. Are you looking to change that, or\n\nChannel 1: Yes.\n\nChannel 0: is there a specific reason for that? Are you guys separating or just\n\nChannel 1: Yes.\n\nChannel 0: Yep. And now I hate to sort of pry on a bit of a delicate matter there for you, Dean, but is that sort of being finalized? Is that in the process? Is that\n\nChannel 1: Well, I'm I'm beginning the process, and this is one of the steps.\n\nChannel 0: yeah. Because, obviously, superannuation is one thing in terms of your insurances in regards to nominating, obviously, different beneficiary. In terms of, like, your whole financial situation with separating from a spouse, it does generally require update to your financial advice, but that normally can't come until after, obviously, the finalization of the separation with, you know, assets, things like that as well, and where you're currently at, whether or not you're moving, things like that as well. So as far as the beneficiary nomination side of things is concerned, you definitely can update that. Now given that as far as I'm aware, you don't have any sort of dependence there.\n\nSuperannuation is quite strict in the CIS law that you have to nominate someone that's dependent or interdependent or in some way reliant on you, whether that's emotionally, financially, things like that, which\n\nChannel 1: Again, what does a what does a single person do?\n\nChannel 0: so, yeah, the option for a single, if you don't have someone that falls under that nomination type, is you can leave it to an LPR, which is a legal person representative, and then it can be distributed by your estate, which is where it most likely would end up anyway. Sort of it's not going to happen to you even if you didn't have a nomination. The fund has a look to see if they can find anyone that might fit the description under the system. If they can't find it, then, generally, they'll release the funds to the estate to be distributed per the estate. Now I know at the moment you don't have a will set up.\n\nThat still doesn't mean you can't just nominate the legal personal representative, and then it goes to the estate. It just means that once it gets there, it'll only be distributed per how it sort of falls in regards to how your estate gets settled without a will, which is sort of up to the laws who comes forward, things like that as well, which given you've got a a spouse or soon to be ex if it ends up in the estate without having a valid will in place as well, that can also mean that, you know, they might come forward and try to make some sort of claim against it as well. So in the process of separation, it probably is a good idea as well to set up a will in regards to that as well,\n\nChannel 1: Okay.\n\nChannel 0: if that makes sense.\n\nChannel 1: Yeah.\n\nChannel 0: Do you have any questions in regards to that at all?\n\nChannel 1: So this legal representative, who who is that? And then who does that\n\nChannel 0: When you name that, it's\n\nChannel 1: be?\n\nChannel 0: actually the executor of the will, so who you put in charge of, like, distributing your will. If you don't have someone to distribute or don't have anyone or will or things like that set up in place, generally, like, it becomes, like, some sort of, like, court appointed executor when people start trying to make a claim against the estate and people start coming forward, if that makes sense.\n\nChannel 1: Yeah.\n\nChannel 0: But\n\nChannel 1: Okay.\n\nChannel 0: in regards to to that, do you have any questions at the moment in regards to anything else related to that?\n\nChannel 1: Okay.\n\nChannel 0: And how like, with you saying you're starting a process of, like, the proceedings started, or are you just sort of getting your ducks in a row before you file and things like that?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. So with with that one, given that it might take some time, I can put you in for, like, a bit of a three month follow-up just because once the separation is final and the distribute distribution of, you know, marital assets and things like that as well does occur, we'll probably have to look at updating your advice, and we can do that also sort of in one, if that makes sense as well.\n\nChannel 1: Yeah. I think six months is probably a better follow-up.\n\nChannel 0: Six months.\n\nChannel 1: Does it\n\nChannel 0: Yep.\n\nChannel 1: yeah. It takes time for for this sort of stuff to go through.\n\nChannel 0: Yeah. It's meant sort of I wasn't expecting it to be finalized, but then just more of a touchpoint to see how things are going. But six months is fine.\n\nChannel 1: Yep.\n\nChannel 0: And I'll chuck that down. When that sort of does occur, they'll go through and be able to just look at updating everything. I'll have a look when you're due for your end of review as well and see where that lines up with things. Just bear with me. Yep.\n\nSo end of reviews, not until sort of December. So, yeah, we'd probably be reaching out before that, but then they can sort of conduct a bit of an early annual review, get your updated details, look at updating anything in regards to your advice and things like that as well.\n\nChannel 1: Yep.\n\nChannel 0: So do you have any other questions there, Dean, in relation to to anything I can help you with today?\n\nChannel 1: No. That was pretty much it.\n\nChannel 0: Not a problem at all. Do you need those forms resent to you?\n\nChannel 1: Well, if there's if I probably do anything, we learn this. I wasn't much point in there.\n\nChannel 0: Yeah. Like, you could preemptively still nominate a legal person representative if you wanted and then sort of just, oh, in the back end, you know, obviously do the the will sort of thing. But\n\nChannel 1: Yes.\n\nChannel 0: in the the meantime as well, obviously, with the the separation and things like that anyway, there is a chance that, like, if something were to happen between now and there, it'd still be you know, she'd be a spouse. So the likelihood that she'd get it anyway is still quite high, I assume.\n\nChannel 1: Yes.\n\nChannel 0: But you can preemptively nominate, like, your legal personal representative and then be able to sort of do the will in the back end. You don't have to have a will set in place to do that nomination just so it's already there. But in saying that as well, you know, a few years from now as well, you might have a different sort of spouse, but you definitely can sort of look at, yeah, updating it now if you wanted. And I can even just get them to put you on a list to get those mailed back out to you just so you have them in the event that you do wanna fill them out.\n\nChannel 1: Yes. Yes. That's probably a good idea then.\n\nChannel 0: Not a problem.\n\nChannel 1: And the legal representative, that can be anyone I choose. Is that correct?\n\nChannel 0: Yeah. So just whoever you name is, like, the executor on your will to, like, distribute your estate per your wishes, whether that sort of be generally, like, obviously, you don't normally do, like, parents are normally, like, a trusted friend, siblings, things like that, listed as an executor, and then sort of later down the track, people start nominating their kids and things like that or someone a little bit younger just to in the event that sort of they went first.\n\nChannel 1: Yep. No worries.\n\nChannel 0: Not a problem at all there, Dean. Good luck with everything. In the meantime, I'll chuck you down for that follow-up. Any questions you sort of have along the way. Feel free to even if it doesn't fall in the wheelhouse and advise that just to, you know, get some clarification, and then we can sort of see and maybe put you in touch with sort of a locals list of it being in WA.\n\nIt's probably a little bit easier being with someone a bit closer to home with the time difference.\n\nChannel 1: Yes.\n\nChannel 0: Not a problem at all. But anything else for me, Wyatt, before I let you go there, Dan?\n\nChannel 1: That that was it.\n\nChannel 0: Not a problem at all. Well, good luck with everything. You have a good day at work, and I'm sure we'll be speaking soon.\n\nChannel 1: No worries. I think it's just\n\nChannel 0: Thanks, man. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.68,"end":2.1799998,"sentiment":"neutral","sentiment_score":0.02890966646373272},{"text":"Dan speaking.","start":2.56,"end":3.3799999,"sentiment":"neutral","sentiment_score":0.06351430714130402}],"sentiment":"neutral","sentiment_score":0.051979426915446915,"channel":1,"num_words":3,"start":1.68,"end":3.3799999},{"sentences":[{"text":"Good morning, Dane.","start":3.6799998,"end":4.4,"sentiment":"positive","sentiment_score":0.4829955001672109},{"text":"It's Carl Cohen.","start":4.4,"end":5.12,"sentiment":"neutral","sentiment_score":0.2978305071592331},{"text":"Mercy Financial.","start":5.12,"end":5.8399997,"sentiment":"neutral","sentiment_score":0.3319273591041565},{"text":"How are you today?","start":5.8399997,"end":6.66,"sentiment":"positive","sentiment_score":0.42239178717136383}],"sentiment":"positive","sentiment_score":0.391324990739425,"channel":0,"num_words":12,"start":3.6799998,"end":6.66},{"sentences":[{"text":"I'm good.","start":6.8799996,"end":7.52,"sentiment":"positive","sentiment_score":0.5534446537494659},{"text":"Just a sec.","start":7.52,"end":8.08,"sentiment":"neutral","sentiment_score":0.18436342477798462},{"text":"Let me just put my it's just the headphone.","start":8.08,"end":10.34,"sentiment":"neutral","sentiment_score":0.07778448280360964}],"sentiment":"neutral","sentiment_score":0.16857428050466947,"channel":1,"num_words":14,"start":6.8799996,"end":10.34},{"sentences":[{"text":"Yeah.","start":11.36,"end":11.679999,"sentiment":"neutral","sentiment_score":0.14432556927204132},{"text":"Not a problem.","start":11.679999,"end":12.495,"sentiment":"neutral","sentiment_score":0.278341402610143},{"text":"How's it going?","start":16.575,"end":17.475,"sentiment":"neutral","sentiment_score":0.3013300995031993},{"text":"I had you scheduled in to go over a bit of a discussion around some queries you had.","start":18.095,"end":21.775,"sentiment":"neutral","sentiment_score":0.17765617122252783},{"text":"Is now still a good time for you,","start":21.775,"end":22.974998,"sentiment":"positive","sentiment_score":0.3396270237863064}],"sentiment":"neutral","sentiment_score":0.23630810145175818,"channel":0,"num_words":33,"start":11.36,"end":22.974998},{"sentences":[{"text":"Hello?","start":22.904999,"end":23.404999,"sentiment":"neutral","sentiment_score":0.24324116110801697}],"sentiment":"neutral","sentiment_score":0.24324116110801697,"channel":1,"num_words":1,"start":22.904999,"end":23.404999},{"sentences":[{"text":"Dean?","start":22.974998,"end":23.474998,"sentiment":"neutral","sentiment_score":0.1009252518415451}],"sentiment":"neutral","sentiment_score":0.1009252518415451,"channel":0,"num_words":1,"start":22.974998,"end":23.474998},{"sentences":[{"text":"Yes.","start":24.185001,"end":24.685001,"sentiment":"neutral","sentiment_score":0.13348720967769623}],"sentiment":"neutral","sentiment_score":0.13348720967769623,"channel":1,"num_words":1,"start":24.185001,"end":24.685001},{"sentences":[{"text":"Yep.","start":25.630001,"end":25.95,"sentiment":"neutral","sentiment_score":0.1140424907207489}],"sentiment":"neutral","sentiment_score":0.1140424907207489,"channel":0,"num_words":1,"start":25.630001,"end":25.95},{"sentences":[{"text":"Yep.","start":25.705,"end":26.025,"sentiment":"neutral","sentiment_score":0.09941833466291428}],"sentiment":"neutral","sentiment_score":0.09941833466291428,"channel":1,"num_words":1,"start":25.705,"end":26.025},{"sentences":[{"text":"Let","start":25.95,"end":26.19,"sentiment":"neutral","sentiment_score":0.04421205446124077}],"sentiment":"neutral","sentiment_score":0.04421205446124077,"channel":0,"num_words":1,"start":25.95,"end":26.19},{"sentences":[{"text":"Just","start":26.025,"end":26.265,"sentiment":"neutral","sentiment_score":0.05916355922818184}],"sentiment":"neutral","sentiment_score":0.05916355922818184,"channel":1,"num_words":1,"start":26.025,"end":26.265},{"sentences":[{"text":"me","start":26.19,"end":26.69,"sentiment":"neutral","sentiment_score":0.028819916769862175}],"sentiment":"neutral","sentiment_score":0.028819916769862175,"channel":0,"num_words":1,"start":26.19,"end":26.69},{"sentences":[{"text":"walked into the office.","start":26.265,"end":27.404999,"sentiment":"neutral","sentiment_score":0.020054428838193417}],"sentiment":"neutral","sentiment_score":0.020054428838193417,"channel":1,"num_words":4,"start":26.265,"end":27.404999},{"sentences":[{"text":"no.","start":28.27,"end":28.59,"sentiment":"neutral","sentiment_score":-0.08485886454582214},{"text":"From just before we jump into that one, Dean, if I could just pass you through security, is that name, date of birth, and kind of address we can get stuck into that one today?","start":28.59,"end":35.81,"sentiment":"neutral","sentiment_score":-0.0019567122949021203}],"sentiment":"neutral","sentiment_score":-0.004259549857427676,"channel":0,"num_words":36,"start":28.27,"end":35.81},{"sentences":[{"text":"Yep.","start":35.79,"end":36.29,"sentiment":"neutral","sentiment_score":0.041185200214385986},{"text":"There's a rescue second on 33 Ford 3 Moreton Avenue, Yokoham.","start":36.35,"end":41.25,"sentiment":"neutral","sentiment_score":0.07671596279198473}],"sentiment":"neutral","sentiment_score":0.07375506591051817,"channel":1,"num_words":12,"start":35.79,"end":41.25},{"sentences":[{"text":"Perfect.","start":43.165,"end":43.565002,"sentiment":"positive","sentiment_score":0.6576167345046997},{"text":"Thank you for that one.","start":43.565002,"end":44.785,"sentiment":"positive","sentiment_score":0.6936089277267456},{"text":"Now I had it in regarding beneficiaries and beneficiary nominations.","start":45.085,"end":48.145,"sentiment":"neutral","sentiment_score":0.030674916878342628},{"text":"Is that sort of what you want some information around this morning?","start":48.205,"end":50.79,"sentiment":"neutral","sentiment_score":-0.00016905910645922026}],"sentiment":"neutral","sentiment_score":0.15822792259444082,"channel":0,"num_words":28,"start":43.165,"end":50.79},{"sentences":[{"text":"Yes.","start":51.235,"end":51.735,"sentiment":"neutral","sentiment_score":0.021337665617465973}],"sentiment":"neutral","sentiment_score":0.021337665617465973,"channel":1,"num_words":1,"start":51.235,"end":51.735},{"sentences":[{"text":"Yep.","start":53.27,"end":53.77,"sentiment":"neutral","sentiment_score":-0.0009998027235269549},{"text":"Because at the moment, currently, I've got your spouse listed there as a 100% currently on your superannuation.","start":53.99,"end":62.97,"sentiment":"neutral","sentiment_score":-0.10042938714226086},{"text":"I can't actually see if your insurance is at the moment.","start":63.190002,"end":65.215004,"sentiment":"neutral","sentiment_score":-0.23088376494971188},{"text":"Are you looking to change that, or","start":65.215004,"end":67.275,"sentiment":"neutral","sentiment_score":-0.1376376279762813}],"sentiment":"neutral","sentiment_score":-0.1435652319341898,"channel":0,"num_words":37,"start":53.27,"end":67.275},{"sentences":[{"text":"Yes.","start":67.61,"end":68.11,"sentiment":"neutral","sentiment_score":-0.07772430777549744}],"sentiment":"neutral","sentiment_score":-0.07772430777549744,"channel":1,"num_words":1,"start":67.61,"end":68.11},{"sentences":[{"text":"is there a specific reason for that?","start":69.655,"end":71.255005,"sentiment":"neutral","sentiment_score":-0.09734052419662476},{"text":"Are you guys separating or just","start":71.255005,"end":73.335,"sentiment":"neutral","sentiment_score":-0.08141892527540524}],"sentiment":"neutral","sentiment_score":-0.08999209392529267,"channel":0,"num_words":13,"start":69.655,"end":73.335},{"sentences":[{"text":"Yes.","start":73.505,"end":74.005,"sentiment":"neutral","sentiment_score":-0.03524711728096008}],"sentiment":"neutral","sentiment_score":-0.03524711728096008,"channel":1,"num_words":1,"start":73.505,"end":74.005},{"sentences":[{"text":"Yep.","start":76.87,"end":77.37,"sentiment":"neutral","sentiment_score":-0.02361462637782097},{"text":"And now I hate to sort of pry on a bit of a delicate matter there for you, Dean, but is that sort of being finalized?","start":78.630005,"end":85.29,"sentiment":"neutral","sentiment_score":-0.2519617754106338},{"text":"Is that in the process?","start":85.35,"end":86.41,"sentiment":"neutral","sentiment_score":-0.10239109992980958},{"text":"Is that","start":86.55,"end":87.29,"sentiment":"neutral","sentiment_score":-0.04052504524588585}],"sentiment":"neutral","sentiment_score":-0.21081254050573883,"channel":0,"num_words":34,"start":76.87,"end":87.29},{"sentences":[{"text":"Well, I'm I'm beginning the process, and this is one of the steps.","start":90.57,"end":94.509995,"sentiment":"neutral","sentiment_score":-0.016467548763522737}],"sentiment":"neutral","sentiment_score":-0.016467548763522737,"channel":1,"num_words":13,"start":90.57,"end":94.509995},{"sentences":[{"text":"yeah.","start":96.485,"end":96.885,"sentiment":"neutral","sentiment_score":-0.023715607821941376},{"text":"Because, obviously, superannuation is one thing in terms of your insurances in regards to nominating, obviously, different beneficiary.","start":96.885,"end":104.77,"sentiment":"neutral","sentiment_score":-0.1090382109913561},{"text":"In terms of, like, your whole financial situation with separating from a spouse, it does generally require update to your financial advice, but that normally can't come until after, obviously, the finalization of the separation with, you know, assets, things like that as well, and where you're currently at, whether or not you're moving, things like that as well.","start":104.829994,"end":124.604996,"sentiment":"neutral","sentiment_score":-0.024540826780879398},{"text":"So as far as the beneficiary nomination side of things is concerned, you definitely can update that.","start":125.305,"end":130.985,"sentiment":"neutral","sentiment_score":0.2873210687847698},{"text":"Now given that as far as I'm aware, you don't have any sort of dependence there.","start":130.985,"end":135.98999,"sentiment":"neutral","sentiment_score":0.19255250366404653}],"sentiment":"neutral","sentiment_score":0.04081969407412249,"channel":0,"num_words":111,"start":96.485,"end":135.98999},{"sentences":[{"text":"Superannuation is quite strict in the CIS law that you have to nominate someone that's dependent or interdependent or in some way reliant on you, whether that's emotionally, financially, things like that, which","start":136.12999,"end":148.665,"sentiment":"neutral","sentiment_score":-0.048401048463402374}],"sentiment":"neutral","sentiment_score":-0.048401048463402374,"channel":0,"num_words":33,"start":136.12999,"end":148.665},{"sentences":[{"text":"Again, what does a what does a single person do?","start":148.53,"end":151.11,"sentiment":"neutral","sentiment_score":-0.09978673085570336}],"sentiment":"neutral","sentiment_score":-0.09978673085570336,"channel":1,"num_words":10,"start":148.53,"end":151.11},{"sentences":[{"text":"so, yeah, the option for a single, if you don't have someone that falls under that nomination type, is you can leave it to an LPR, which is a legal person representative, and then it can be distributed by your estate, which is where it most likely would end up anyway.","start":152.00499,"end":167.66,"sentiment":"neutral","sentiment_score":0.049987103716999874},{"text":"Sort of it's not going to happen to you even if you didn't have a nomination.","start":167.8,"end":170.86,"sentiment":"neutral","sentiment_score":-0.10040632705204189},{"text":"The fund has a look to see if they can find anyone that might fit the description under the system.","start":171.4,"end":175.58,"sentiment":"neutral","sentiment_score":0.18397022783756256},{"text":"If they can't find it, then, generally, they'll release the funds to the estate to be distributed per the estate.","start":175.96501,"end":181.345,"sentiment":"neutral","sentiment_score":0.03774128817021847},{"text":"Now I know at the moment you don't have a will set up.","start":181.645,"end":184.285,"sentiment":"neutral","sentiment_score":-0.19730606617835852}],"sentiment":"neutral","sentiment_score":0.023434104304760693,"channel":0,"num_words":120,"start":152.00499,"end":184.285},{"sentences":[{"text":"That still doesn't mean you can't just nominate the legal personal representative, and then it goes to the estate.","start":184.285,"end":189.18501,"sentiment":"neutral","sentiment_score":-0.1551642629661058},{"text":"It just means that once it gets there, it'll only be distributed per how it sort of falls in regards to how your estate gets settled without a will, which is sort of up to the laws who comes forward, things like that as well, which given you've got a a spouse or soon to be ex if it ends up in the estate without having a valid will in place as well, that can also mean that, you know, they might come forward and try to make some sort of claim against it as well.","start":189.75,"end":215.83499,"sentiment":"neutral","sentiment_score":0.018890857153261702},{"text":"So in the process of separation, it probably is a good idea as well to set up a will in regards to that as well,","start":215.83499,"end":222.47,"sentiment":"positive","sentiment_score":0.3493552553653717}],"sentiment":"neutral","sentiment_score":0.054280590532081466,"channel":0,"num_words":140,"start":184.285,"end":222.47},{"sentences":[{"text":"Okay.","start":223.875,"end":224.31,"sentiment":"neutral","sentiment_score":0.2579804062843323}],"sentiment":"neutral","sentiment_score":0.2579804062843323,"channel":1,"num_words":1,"start":223.875,"end":224.31},{"sentences":[{"text":"if that makes sense.","start":225.41,"end":226.39,"sentiment":"neutral","sentiment_score":0.25663338601589203}],"sentiment":"neutral","sentiment_score":0.25663338601589203,"channel":0,"num_words":4,"start":225.41,"end":226.39},{"sentences":[{"text":"Yeah.","start":227.11,"end":227.61,"sentiment":"neutral","sentiment_score":0.22290435433387756}],"sentiment":"neutral","sentiment_score":0.22290435433387756,"channel":1,"num_words":1,"start":227.11,"end":227.61},{"sentences":[{"text":"Do you have any questions in regards to that at all?","start":229.265,"end":231.845,"sentiment":"neutral","sentiment_score":0.08799927139824087}],"sentiment":"neutral","sentiment_score":0.08799927139824087,"channel":0,"num_words":11,"start":229.265,"end":231.845},{"sentences":[{"text":"So this legal representative, who who is that?","start":235.19,"end":238.23,"sentiment":"neutral","sentiment_score":-0.03351270314306021},{"text":"And then who does that","start":238.23,"end":239.61499,"sentiment":"neutral","sentiment_score":-0.02665724456310272}],"sentiment":"neutral","sentiment_score":-0.03087598830461502,"channel":1,"num_words":13,"start":235.19,"end":239.61499},{"sentences":[{"text":"When you name that, it's","start":240.145,"end":241.5,"sentiment":"neutral","sentiment_score":-0.037326328456401825}],"sentiment":"neutral","sentiment_score":-0.037326328456401825,"channel":0,"num_words":5,"start":240.145,"end":241.5},{"sentences":[{"text":"be?","start":241.355,"end":241.855,"sentiment":"neutral","sentiment_score":-0.028184469789266583}],"sentiment":"neutral","sentiment_score":-0.028184469789266583,"channel":1,"num_words":1,"start":241.355,"end":241.855},{"sentences":[{"text":"actually the executor of the will, so who you put in charge of, like, distributing your will.","start":241.66,"end":246.7,"sentiment":"neutral","sentiment_score":0.02401237080202383},{"text":"If you don't have someone to distribute or don't have anyone or will or things like that set up in place, generally, like, it becomes, like, some sort of, like, court appointed executor when people start trying to make a claim against the estate and people start coming forward, if that makes sense.","start":246.7,"end":263.645,"sentiment":"neutral","sentiment_score":-0.03613549934805564}],"sentiment":"neutral","sentiment_score":-0.02152815945446491,"channel":0,"num_words":70,"start":241.66,"end":263.645},{"sentences":[{"text":"Yeah.","start":264.21,"end":264.71,"sentiment":"neutral","sentiment_score":0.12778963148593905}],"sentiment":"neutral","sentiment_score":0.12778963148593905,"channel":1,"num_words":1,"start":264.21,"end":264.71},{"sentences":[{"text":"But","start":267.54498,"end":268.04498,"sentiment":"neutral","sentiment_score":0.11564995348453522}],"sentiment":"neutral","sentiment_score":0.11564995348453522,"channel":0,"num_words":1,"start":267.54498,"end":268.04498},{"sentences":[{"text":"Okay.","start":268.05,"end":268.55,"sentiment":"neutral","sentiment_score":0.14043529331684113}],"sentiment":"neutral","sentiment_score":0.14043529331684113,"channel":1,"num_words":1,"start":268.05,"end":268.55},{"sentences":[{"text":"in regards to to that, do you have any questions at the moment in regards to anything else related to that?","start":268.105,"end":275.19,"sentiment":"neutral","sentiment_score":0.08486661102090563}],"sentiment":"neutral","sentiment_score":0.08486661102090563,"channel":0,"num_words":21,"start":268.105,"end":275.19},{"sentences":[{"text":"Okay.","start":276.695,"end":277.195,"sentiment":"neutral","sentiment_score":0.0496939942240715}],"sentiment":"neutral","sentiment_score":0.0496939942240715,"channel":1,"num_words":1,"start":276.695,"end":277.195},{"sentences":[{"text":"And how like, with you saying you're starting a process of, like, the proceedings started, or are you just sort of getting your ducks in a row before you file and things like that?","start":278.61002,"end":287.625,"sentiment":"neutral","sentiment_score":-0.07145580682246123}],"sentiment":"neutral","sentiment_score":-0.07145580682246123,"channel":0,"num_words":34,"start":278.61002,"end":287.625},{"sentences":[{"text":"Yes.","start":288.33002,"end":288.83002,"sentiment":"neutral","sentiment_score":0.129410058259964}],"sentiment":"neutral","sentiment_score":0.129410058259964,"channel":1,"num_words":1,"start":288.33002,"end":288.83002},{"sentences":[{"text":"Yeah.","start":289.605,"end":290.005,"sentiment":"neutral","sentiment_score":-0.07388115674257278},{"text":"So with with that one, given that it might take some time, I can put you in for, like, a bit of a three month follow-up just because once the separation is final and the distribute distribution of, you know, marital assets and things like that as well does occur, we'll probably have to look at updating your advice, and we can do that also sort of in one, if that makes sense as well.","start":290.005,"end":310.44,"sentiment":"neutral","sentiment_score":0.09814978897571563}],"sentiment":"neutral","sentiment_score":0.095886223900475,"channel":0,"num_words":76,"start":289.605,"end":310.44},{"sentences":[{"text":"Yeah.","start":311.35,"end":311.85,"sentiment":"neutral","sentiment_score":0.19354671239852905},{"text":"I think six months is probably a better follow-up.","start":315.91,"end":318.33,"sentiment":"neutral","sentiment_score":0.23740959664185843}],"sentiment":"neutral","sentiment_score":0.23302330821752548,"channel":1,"num_words":10,"start":311.35,"end":318.33},{"sentences":[{"text":"Six months.","start":318.915,"end":319.635,"sentiment":"neutral","sentiment_score":0.08552709966897964}],"sentiment":"neutral","sentiment_score":0.08552709966897964,"channel":0,"num_words":2,"start":318.915,"end":319.635},{"sentences":[{"text":"Does it","start":319.35,"end":319.75,"sentiment":"neutral","sentiment_score":0.08997990563511848}],"sentiment":"neutral","sentiment_score":0.08997990563511848,"channel":1,"num_words":2,"start":319.35,"end":319.75},{"sentences":[{"text":"Yep.","start":319.635,"end":320.135,"sentiment":"neutral","sentiment_score":0.1784275472164154}],"sentiment":"neutral","sentiment_score":0.1784275472164154,"channel":0,"num_words":1,"start":319.635,"end":320.135},{"sentences":[{"text":"yeah.","start":320.15,"end":320.31,"sentiment":"neutral","sentiment_score":0.11085797101259232},{"text":"It takes time for for this sort of stuff to go through.","start":320.31,"end":323.05,"sentiment":"neutral","sentiment_score":0.038163880507151283}],"sentiment":"neutral","sentiment_score":0.04375573362295444,"channel":1,"num_words":13,"start":320.15,"end":323.05},{"sentences":[{"text":"Yeah.","start":323.41,"end":323.91,"sentiment":"neutral","sentiment_score":0.10573094338178636},{"text":"It's meant sort of I wasn't expecting it to be finalized, but then just more of a touchpoint to see how things are going.","start":324.21,"end":329.25,"sentiment":"neutral","sentiment_score":0.046976888086646795},{"text":"But six months is fine.","start":329.25,"end":330.62997,"sentiment":"neutral","sentiment_score":0.2886893391609192}],"sentiment":"neutral","sentiment_score":0.08922076510886351,"channel":0,"num_words":30,"start":323.41,"end":330.62997},{"sentences":[{"text":"Yep.","start":331.26498,"end":331.76498,"sentiment":"positive","sentiment_score":0.3759937882423401}],"sentiment":"positive","sentiment_score":0.3759937882423401,"channel":1,"num_words":1,"start":331.26498,"end":331.76498},{"sentences":[{"text":"And I'll chuck that down.","start":332.28998,"end":333.65,"sentiment":"neutral","sentiment_score":0.27288760244846344},{"text":"When that sort of does occur, they'll go through and be able to just look at updating everything.","start":333.65,"end":339.455,"sentiment":"neutral","sentiment_score":0.3314235417379273},{"text":"I'll have a look when you're due for your end of review as well and see where that lines up with things.","start":339.455,"end":344.03497,"sentiment":"neutral","sentiment_score":0.3023145178502256},{"text":"Just bear with me.","start":344.41498,"end":345.63498,"sentiment":"neutral","sentiment_score":0.15142105147242546},{"text":"Yep.","start":349.935,"end":350.175,"sentiment":"neutral","sentiment_score":0.2656095623970032}],"sentiment":"neutral","sentiment_score":0.29704549849033357,"channel":0,"num_words":50,"start":332.28998,"end":350.175},{"sentences":[{"text":"So end of reviews, not until sort of December.","start":350.175,"end":352.97,"sentiment":"neutral","sentiment_score":0.13415760298569998},{"text":"So, yeah, we'd probably be reaching out before that, but then they can sort of conduct a bit of an early annual review, get your updated details, look at updating anything in regards to your advice and things like that as well.","start":352.97,"end":362.50998,"sentiment":"neutral","sentiment_score":0.2789735868573189}],"sentiment":"neutral","sentiment_score":0.25341782499762144,"channel":0,"num_words":51,"start":350.175,"end":362.50998},{"sentences":[{"text":"Yep.","start":364.725,"end":365.225,"sentiment":"neutral","sentiment_score":0.291326105594635}],"sentiment":"neutral","sentiment_score":0.291326105594635,"channel":1,"num_words":1,"start":364.725,"end":365.225},{"sentences":[{"text":"So do you have any other questions there, Dean, in relation to to anything I can help you with today?","start":366.265,"end":371.165,"sentiment":"positive","sentiment_score":0.36049557849764824}],"sentiment":"positive","sentiment_score":0.36049557849764824,"channel":0,"num_words":20,"start":366.265,"end":371.165},{"sentences":[{"text":"No.","start":371.81,"end":371.97,"sentiment":"neutral","sentiment_score":-0.022026188671588898},{"text":"That was pretty much it.","start":371.97,"end":373.35,"sentiment":"neutral","sentiment_score":-0.0646335780620575}],"sentiment":"neutral","sentiment_score":-0.05753234649697939,"channel":1,"num_words":6,"start":371.81,"end":373.35},{"sentences":[{"text":"Not a problem at all.","start":374.185,"end":375.065,"sentiment":"neutral","sentiment_score":0.23606378436088563},{"text":"Do you need those forms resent to you?","start":375.065,"end":377.19,"sentiment":"neutral","sentiment_score":0.0012767626903951168}],"sentiment":"neutral","sentiment_score":0.09157946333289146,"channel":0,"num_words":13,"start":374.185,"end":377.19},{"sentences":[{"text":"Well, if there's if I probably do anything, we learn this.","start":378.93,"end":381.865,"sentiment":"neutral","sentiment_score":-0.18114497038451108},{"text":"I wasn't much point in there.","start":381.865,"end":383.48502,"sentiment":"negative","sentiment_score":-0.4992942015329997}],"sentiment":"neutral","sentiment_score":-0.29343293431927175,"channel":1,"num_words":17,"start":378.93,"end":383.48502},{"sentences":[{"text":"Yeah.","start":385.19,"end":385.43,"sentiment":"neutral","sentiment_score":-0.08175089210271835},{"text":"Like, you could preemptively still nominate a legal person representative if you wanted and then sort of just, oh, in the back end, you know, obviously do the the will sort of thing.","start":385.43,"end":394.495,"sentiment":"neutral","sentiment_score":0.09321553813237132},{"text":"But","start":395.19498,"end":395.435,"sentiment":"neutral","sentiment_score":0.11393600702285768}],"sentiment":"neutral","sentiment_score":0.08880851066538266,"channel":0,"num_words":35,"start":385.19,"end":395.435},{"sentences":[{"text":"Yes.","start":395.33002,"end":395.83002,"sentiment":"neutral","sentiment_score":0.13679546117782593}],"sentiment":"neutral","sentiment_score":0.13679546117782593,"channel":1,"num_words":1,"start":395.33002,"end":395.83002},{"sentences":[{"text":"in the the meantime as well, obviously, with the the separation and things like that anyway, there is a chance that, like, if something were to happen between now and there, it'd still be you know, she'd be a spouse.","start":395.435,"end":407.19,"sentiment":"neutral","sentiment_score":0.05261719217523932},{"text":"So the likelihood that she'd get it anyway is still quite high, I assume.","start":407.19,"end":410.81,"sentiment":"neutral","sentiment_score":-0.06806042338056224}],"sentiment":"neutral","sentiment_score":0.021330402957068548,"channel":0,"num_words":54,"start":395.435,"end":410.81},{"sentences":[{"text":"Yes.","start":412.055,"end":412.555,"sentiment":"neutral","sentiment_score":0.25089001655578613}],"sentiment":"neutral","sentiment_score":0.25089001655578613,"channel":1,"num_words":1,"start":412.055,"end":412.555},{"sentences":[{"text":"But you can preemptively nominate, like, your legal personal representative and then be able to sort of do the will in the back end.","start":412.63,"end":419.60498,"sentiment":"neutral","sentiment_score":0.326731625944376},{"text":"You don't have to have a will set in place to do that nomination just so it's already there.","start":419.60498,"end":423.705,"sentiment":"neutral","sentiment_score":0.2884363979101181},{"text":"But in saying that as well, you know, a few years from now as well, you might have a different sort of spouse, but you definitely can sort of look at, yeah, updating it now if you wanted.","start":424.725,"end":434.0,"sentiment":"neutral","sentiment_score":0.25988092577379},{"text":"And I can even just get them to put you on a list to get those mailed back out to you just so you have them in the event that you do wanna fill them out.","start":434.0,"end":441.54,"sentiment":"positive","sentiment_score":0.37582291745477253}],"sentiment":"neutral","sentiment_score":0.3139055623139581,"channel":0,"num_words":117,"start":412.63,"end":441.54},{"sentences":[{"text":"Yes.","start":442.625,"end":443.025,"sentiment":"neutral","sentiment_score":0.27302783727645874},{"text":"Yes.","start":443.025,"end":443.345,"sentiment":"neutral","sentiment_score":0.31864094734191895},{"text":"That's probably a good idea then.","start":443.345,"end":444.965,"sentiment":"positive","sentiment_score":0.5377615938584009}],"sentiment":"positive","sentiment_score":0.47727979347109795,"channel":1,"num_words":8,"start":442.625,"end":444.965},{"sentences":[{"text":"Not a problem.","start":445.935,"end":446.755,"sentiment":"neutral","sentiment_score":0.2455298751592636}],"sentiment":"neutral","sentiment_score":0.2455298751592636,"channel":0,"num_words":3,"start":445.935,"end":446.755},{"sentences":[{"text":"And the legal representative, that can be anyone I choose.","start":446.705,"end":449.10498,"sentiment":"neutral","sentiment_score":0.13359076976776124},{"text":"Is that correct?","start":449.10498,"end":449.79,"sentiment":"neutral","sentiment_score":0.12535303582747778}],"sentiment":"neutral","sentiment_score":0.13168975424308044,"channel":1,"num_words":13,"start":446.705,"end":449.79},{"sentences":[{"text":"Yeah.","start":450.97498,"end":451.29498,"sentiment":"neutral","sentiment_score":0.15817692875862122},{"text":"So just whoever you name is, like, the executor on your will to, like, distribute your estate per your wishes, whether that sort of be generally, like, obviously, you don't normally do, like, parents are normally, like, a trusted friend, siblings, things like that, listed as an executor, and then sort of later down the track, people start nominating their kids and things like that or someone a little bit younger just to in the event that sort of they went first.","start":451.29498,"end":473.39,"sentiment":"neutral","sentiment_score":0.14224265624837176}],"sentiment":"neutral","sentiment_score":0.14243463543524226,"channel":0,"num_words":83,"start":450.97498,"end":473.39},{"sentences":[{"text":"Yep.","start":477.015,"end":477.515,"sentiment":"neutral","sentiment_score":0.16564297676086426},{"text":"No worries.","start":477.655,"end":478.315,"sentiment":"neutral","sentiment_score":0.1732860803604126}],"sentiment":"neutral","sentiment_score":0.17073837916056314,"channel":1,"num_words":3,"start":477.015,"end":478.315},{"sentences":[{"text":"Not a problem at all there, Dean.","start":479.445,"end":481.305,"sentiment":"positive","sentiment_score":0.42374731387410847},{"text":"Good luck with everything.","start":482.005,"end":483.285,"sentiment":"positive","sentiment_score":0.7522419989109039},{"text":"In the meantime, I'll chuck you down for that follow-up.","start":483.285,"end":485.20502,"sentiment":"neutral","sentiment_score":0.24327997863292694},{"text":"Any questions you sort of have along the way.","start":485.20502,"end":486.74,"sentiment":"neutral","sentiment_score":0.18432840373780993},{"text":"Feel free to even if it doesn't fall in the wheelhouse and advise that just to, you know, get some clarification, and then we can sort of see and maybe put you in touch with sort of a locals list of it being in WA.","start":486.74,"end":497.62,"sentiment":"neutral","sentiment_score":0.14980785813596514}],"sentiment":"neutral","sentiment_score":0.22411077638467153,"channel":0,"num_words":75,"start":479.445,"end":497.62},{"sentences":[{"text":"It's probably a little bit easier being with someone a bit closer to home with the time difference.","start":497.62,"end":502.13498,"sentiment":"neutral","sentiment_score":0.1270508426758978}],"sentiment":"neutral","sentiment_score":0.1270508426758978,"channel":0,"num_words":18,"start":497.62,"end":502.13498},{"sentences":[{"text":"Yes.","start":503.02502,"end":503.52502,"sentiment":"neutral","sentiment_score":0.1745065599679947}],"sentiment":"neutral","sentiment_score":0.1745065599679947,"channel":1,"num_words":1,"start":503.02502,"end":503.52502},{"sentences":[{"text":"Not a problem at all.","start":504.75497,"end":505.79498,"sentiment":"neutral","sentiment_score":0.32313695549964905},{"text":"But anything else for me, Wyatt, before I let you go there, Dan?","start":505.79498,"end":508.615,"sentiment":"neutral","sentiment_score":0.08901191244904812}],"sentiment":"neutral","sentiment_score":0.1540466466297706,"channel":0,"num_words":18,"start":504.75497,"end":508.615},{"sentences":[{"text":"That that was it.","start":508.86502,"end":510.0,"sentiment":"neutral","sentiment_score":0.10449465550482273}],"sentiment":"neutral","sentiment_score":0.10449465550482273,"channel":1,"num_words":4,"start":508.86502,"end":510.0},{"sentences":[{"text":"Not a problem at all.","start":510.59094,"end":511.63095,"sentiment":"positive","sentiment_score":0.37965072989463805},{"text":"Well, good luck with everything.","start":511.63095,"end":512.91095,"sentiment":"positive","sentiment_score":0.7476763248443603},{"text":"You have a good day at work, and I'm sure we'll be speaking soon.","start":512.91095,"end":515.41095,"sentiment":"positive","sentiment_score":0.6813166993004935}],"sentiment":"positive","sentiment_score":0.6322945443292459,"channel":0,"num_words":24,"start":510.59094,"end":515.41095},{"sentences":[{"text":"No worries.","start":516.48,"end":517.04,"sentiment":"positive","sentiment_score":0.34970924258232117},{"text":"I think it's just","start":517.04,"end":517.84,"sentiment":"positive","sentiment_score":0.4724009856581688}],"sentiment":"positive","sentiment_score":0.4315037379662196,"channel":1,"num_words":6,"start":516.48,"end":517.84},{"sentences":[{"text":"Thanks, man.","start":518.27094,"end":518.91095,"sentiment":"positive","sentiment_score":0.7397467494010925},{"text":"Bye.","start":518.91095,"end":519.41095,"sentiment":"neutral","sentiment_score":-0.10465489327907562}],"sentiment":"positive","sentiment_score":0.4582795351743698,"channel":0,"num_words":3,"start":518.27094,"end":519.41095}]},"summary":{"result":"success","short":"A representative from Mercy Financial called Dean to discuss his insurance and informed him that he can leave his spouse listed as a 100% beneficiary if he wanted to update his financial advice. The process of separation is explained, and a will is necessary to settle the estate. The legal representative is necessary to ensure separation and the customer is advised to resend the forms and update their legal name for future reference. The agent offers to send a legal name list and suggests updating it later if needed."},"intents":{"segments":[{"text":"I had you scheduled in to go over a bit of a discussion around some queries you had. Is now still a good time for you, Hello? Dean?","start_word":36,"end_word":63,"intents":[{"intent":"Discuss queries","confidence_score":0.13111661}]},{"text":"From just before we jump into that one, Dean, if I could just pass you through security, is that name, date of birth, and kind of address we can get stuck into that one today? Yep.","start_word":75,"end_word":110,"intents":[{"intent":"Pass security","confidence_score":0.26942453}]},{"text":"Because at the moment, currently, I've got your spouse listed there as a 100% currently on your superannuation. I can't actually see if your insurance is at the moment. Are you looking to change that, or Yes.","start_word":152,"end_word":188,"intents":[{"intent":"Change insurance","confidence_score":0.39798924}]},{"text":"And now I hate to sort of pry on a bit of a delicate matter there for you, Dean, but is that sort of being finalized? Is that in the process?","start_word":204,"end_word":234,"intents":[{"intent":"Finalize matter","confidence_score":0.15853782}]},{"text":"In terms of, like, your whole financial situation with separating from a spouse, it does generally require update to your financial advice, but that normally can't come until after, obviously, the finalization of the separation with, you know, assets, things like that as well, and where you're currently at, whether or not you're moving, things like that as well.","start_word":270,"end_word":328,"intents":[{"intent":"Update financial advice","confidence_score":0.50415075}]},{"text":"So as far as the beneficiary nomination side of things is concerned, you definitely can update that.","start_word":328,"end_word":344,"intents":[{"intent":"Update beneficiary nomination","confidence_score":0.33887178}]},{"text":"Superannuation is quite strict in the CIS law that you have to nominate someone that's dependent or interdependent or in some way reliant on you, whether that's emotionally, financially, things like that, which Again, what does a what does a single person do?","start_word":361,"end_word":403,"intents":[{"intent":"Explain system requirements","confidence_score":0.00356693},{"intent":"Remind about system requirements","confidence_score":0.0000018950544}]},{"text":"so, yeah, the option for a single, if you don't have someone that falls under that nomination type, is you can leave it to an LPR, which is a legal person representative, and then it can be distributed by your estate, which is where it most likely would end up anyway.","start_word":404,"end_word":454,"intents":[{"intent":"Provide information about single person nomination","confidence_score":0.003267815},{"intent":"Explain single representative options","confidence_score":0.0000034745735},{"intent":"Explain single person nominee options","confidence_score":0.00041725466}]},{"text":"So in the process of separation, it probably is a good idea as well to set up a will in regards to that as well, Okay.","start_word":639,"end_word":664,"intents":[{"intent":"Define estate details","confidence_score":0.000033069}]},{"text":"So with with that one, given that it might take some time, I can put you in for, like, a bit of a three month follow-up just because once the separation is final and the distribute distribution of, you know, marital assets and things like that as well does occur, we'll probably have to look at updating your advice, and we can do that also sort of in one, if that makes sense as well.","start_word":832,"end_word":906,"intents":[{"intent":"Update advice","confidence_score":0.8854562}]},{"text":"So with with that one, given that it might take some time, I can put you in for, like, a bit of a three month follow-up just because once the separation is final and the distribute distribution of, you know, marital assets and things like that as well does occur, we'll probably have to look at updating your advice, and we can do that also sort of in one, if that makes sense as well. Yeah.","start_word":832,"end_word":907,"intents":[{"intent":"Follow-up","confidence_score":0.11978265}]},{"text":"So end of reviews, not until sort of December. So, yeah, we'd probably be reaching out before that, but then they can sort of conduct a bit of an early annual review, get your updated details, look at updating anything in regards to your advice and things like that as well. Yep.","start_word":1015,"end_word":1066,"intents":[{"intent":"Discuss end of review","confidence_score":0.010706757}]},{"text":"So do you have any other questions there, Dean, in relation to to anything I can help you with today?","start_word":1067,"end_word":1086,"intents":[{"intent":"Provide assistance","confidence_score":0.17844912}]},{"text":"Like, you could preemptively still nominate a legal person representative if you wanted and then sort of just, oh, in the back end, you know, obviously do the the will sort of thing. But Yes.","start_word":1125,"end_word":1159,"intents":[{"intent":"Nominate legal representative","confidence_score":0.03266902}]}]},"sentiments":{"segments":[{"text":"Hello? Dan speaking.","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.0493759885430336},{"text":"Good morning, Dane.","start_word":3,"end_word":5,"sentiment":"positive","sentiment_score":0.4773339927196502},{"text":"It's Carl Cohen.","start_word":6,"end_word":8,"sentiment":"neutral","sentiment_score":0.3197765350341797},{"text":"Mercy Financial. How are you today? I'm good.","start_word":9,"end_word":16,"sentiment":"positive","sentiment_score":0.4567582309246063},{"text":"Just a sec. Let me just put my it's just the headphone. Yeah. Not a problem. How's it going? I had you scheduled in to go over a bit of a discussion around some queries you had. Is now still a good time for you, Hello? Dean? Yes. Yep. Yep. Let Just me walked into the office. no. From just before we jump into that one, Dean, if I could just pass you through security, is that name, date of birth, and kind of address we can get stuck into that one today? Yep. There's a rescue second on 33 Ford 3 Moreton Avenue, Yokoham.","start_word":17,"end_word":121,"sentiment":"neutral","sentiment_score":0.10698386281728745},{"text":"Perfect. Thank you for that one.","start_word":122,"end_word":127,"sentiment":"positive","sentiment_score":0.6806851029396057},{"text":"Now I had it in regarding beneficiaries and beneficiary nominations. Is that sort of what you want some information around this morning? Yes. Yep. Because at the moment, currently, I've got your spouse listed there as a 100% currently on your superannuation. I can't actually see if your insurance is at the moment. Are you looking to change that, or Yes. is there a specific reason for that? Are you guys separating or just Yes. Yep. And now I hate to sort of pry on a bit of a delicate matter there for you, Dean, but is that sort of being finalized? Is that in the process? Is that Well, I'm I'm beginning the process, and this is one of the steps. yeah. Because, obviously, superannuation is one thing in terms of your insurances in regards to nominating, obviously, different beneficiary. In terms of, like, your whole financial situation with separating from a spouse, it does generally require update to your financial advice, but that normally can't come until after, obviously, the finalization of the separation with, you know, assets, things like that as well, and where you're currently at, whether or not you're moving, things like that as well. So as far as the beneficiary nomination side of things is concerned, you definitely can update that. Now given that as far as I'm aware, you don't have any sort of dependence there. Superannuation is quite strict in the CIS law that you have to nominate someone that's dependent or interdependent or in some way reliant on you, whether that's emotionally, financially, things like that, which Again, what does a what does a single person do? so, yeah, the option for a single, if you don't have someone that falls under that nomination type, is you can leave it to an LPR, which is a legal person representative, and then it can be distributed by your estate, which is where it most likely would end up anyway. Sort of it's not going to happen to you even if you didn't have a nomination. The fund has a look to see if they can find anyone that might fit the description under the system. If they can't find it, then, generally, they'll release the funds to the estate to be distributed per the estate. Now I know at the moment you don't have a will set up. That still doesn't mean you can't just nominate the legal personal representative, and then it goes to the estate. It just means that once it gets there, it'll only be distributed per how it sort of falls in regards to how your estate gets settled without a will, which is sort of up to the laws who comes forward, things like that as well, which given you've got a a spouse or soon to be ex if it ends up in the estate without having a valid will in place as well, that can also mean that, you know, they might come forward and try to make some sort of claim against it as well.","start_word":128,"end_word":638,"sentiment":"neutral","sentiment_score":-0.020789170517438543},{"text":"So in the process of separation, it probably is a good idea as well to set up a will in regards to that as well, Okay.","start_word":639,"end_word":664,"sentiment":"positive","sentiment_score":0.3394288718700409},{"text":"if that makes sense. Yeah. Do you have any questions in regards to that at all? So this legal representative, who who is that? And then who does that When you name that, it's be? actually the executor of the will, so who you put in charge of, like, distributing your will. If you don't have someone to distribute or don't have anyone or will or things like that set up in place, generally, like, it becomes, like, some sort of, like, court appointed executor when people start trying to make a claim against the estate and people start coming forward, if that makes sense. Yeah. But Okay. in regards to to that, do you have any questions at the moment in regards to anything else related to that? Okay. And how like, with you saying you're starting a process of, like, the proceedings started, or are you just sort of getting your ducks in a row before you file and things like that? Yes. Yeah. So with with that one, given that it might take some time, I can put you in for, like, a bit of a three month follow-up just because once the separation is final and the distribute distribution of, you know, marital assets and things like that as well does occur, we'll probably have to look at updating your advice, and we can do that also sort of in one, if that makes sense as well. Yeah. I think six months is probably a better follow-up. Six months. Does it Yep. yeah. It takes time for for this sort of stuff to go through. Yeah. It's meant sort of I wasn't expecting it to be finalized, but then just more of a touchpoint to see how things are going. But six months is fine.","start_word":665,"end_word":963,"sentiment":"neutral","sentiment_score":0.04954349287913296},{"text":"Yep.","start_word":964,"end_word":964,"sentiment":"positive","sentiment_score":0.3759937882423401},{"text":"And I'll chuck that down.","start_word":965,"end_word":969,"sentiment":"neutral","sentiment_score":0.27299684286117554},{"text":"When that sort of does occur, they'll go through and be able to just look at updating everything.","start_word":970,"end_word":987,"sentiment":"positive","sentiment_score":0.3343707025051117},{"text":"I'll have a look when you're due for your end of review as well and see where that lines up with things. Just bear with me. Yep. So end of reviews, not until sort of December. So, yeah, we'd probably be reaching out before that, but then they can sort of conduct a bit of an early annual review, get your updated details, look at updating anything in regards to your advice and things like that as well. Yep.","start_word":988,"end_word":1066,"sentiment":"neutral","sentiment_score":0.26434653997421265},{"text":"So do you have any other questions there, Dean, in relation to to anything I can help you with today?","start_word":1067,"end_word":1086,"sentiment":"positive","sentiment_score":0.35954898595809937},{"text":"No. That was pretty much it. Not a problem at all. Do you need those forms resent to you? Well, if there's if I probably do anything, we learn this.","start_word":1087,"end_word":1116,"sentiment":"neutral","sentiment_score":-0.04177886247634888},{"text":"I wasn't much point in there.","start_word":1117,"end_word":1122,"sentiment":"negative","sentiment_score":-0.49696820974349976},{"text":"Yeah. Like, you could preemptively still nominate a legal person representative if you wanted and then sort of just, oh, in the back end, you know, obviously do the the will sort of thing. But Yes. in the the meantime as well, obviously, with the the separation and things like that anyway, there is a chance that, like, if something were to happen between now and there, it'd still be you know, she'd be a spouse. So the likelihood that she'd get it anyway is still quite high, I assume. Yes. But you can preemptively nominate, like, your legal personal representative and then be able to sort of do the will in the back end. You don't have to have a will set in place to do that nomination just so it's already there. But in saying that as well, you know, a few years from now as well, you might have a different sort of spouse, but you definitely can sort of look at, yeah, updating it now if you wanted.","start_word":1123,"end_word":1294,"sentiment":"neutral","sentiment_score":0.16263007816620345},{"text":"And I can even just get them to put you on a list to get those mailed back out to you just so you have them in the event that you do wanna fill them out.","start_word":1295,"end_word":1330,"sentiment":"positive","sentiment_score":0.37231382727622986},{"text":"Yes. Yes.","start_word":1331,"end_word":1332,"sentiment":"neutral","sentiment_score":0.29583439230918884},{"text":"That's probably a good idea then.","start_word":1333,"end_word":1338,"sentiment":"positive","sentiment_score":0.5265002250671387},{"text":"Not a problem. And the legal representative, that can be anyone I choose. Is that correct? Yeah. So just whoever you name is, like, the executor on your will to, like, distribute your estate per your wishes, whether that sort of be generally, like, obviously, you don't normally do, like, parents are normally, like, a trusted friend, siblings, things like that, listed as an executor, and then sort of later down the track, people start nominating their kids and things like that or someone a little bit younger just to in the event that sort of they went first. Yep. No worries.","start_word":1339,"end_word":1440,"sentiment":"neutral","sentiment_score":0.14470532536506653},{"text":"Not a problem at all there, Dean. Good luck with everything.","start_word":1441,"end_word":1451,"sentiment":"positive","sentiment_score":0.5312983393669128},{"text":"In the meantime, I'll chuck you down for that follow-up. Any questions you sort of have along the way. Feel free to even if it doesn't fall in the wheelhouse and advise that just to, you know, get some clarification, and then we can sort of see and maybe put you in touch with sort of a locals list of it being in WA. It's probably a little bit easier being with someone a bit closer to home with the time difference. Yes. Not a problem at all. But anything else for me, Wyatt, before I let you go there, Dan? That that was it.","start_word":1452,"end_word":1556,"sentiment":"neutral","sentiment_score":0.15849657356739044},{"text":"Not a problem at all. Well, good luck with everything. You have a good day at work, and I'm sure we'll be speaking soon. No worries. I think it's just Thanks, man. Bye.","start_word":1557,"end_word":1589,"sentiment":"positive","sentiment_score":0.5980066061019897}],"average":{"sentiment":"neutral","sentiment_score":0.10577534220892668}}}}