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I'm about to go on coffee number two, but I thought I'd give you a buzz first, and then I'll run off and do that. Awesome. So I've sent you an email just with that updated plan and quotes. Just while you're bringing that up, do you mind if I just check your quick security with you? Amazing. Just need date of birth and address, please. Sensational. And are you okay for the call to be recorded? Perfect. So that should come through pretty quickly, but it's basically a sole focus around that reduction quote of the insurances that we were talking about, if that rings a bell. So so what I've done in here, when you grab up that plan, there'll be a little purple sign button, which just brings up the documents to scroll through with me. And just let me know when you can see that Gold Coast picture on the front. Perfect. Perfect. So the purpose of this updated plan is basically just to capture our updated discussion, what the figures are gonna look like, and just a bit of an updated projection on how that impacts the super. So if you scroll through for me, page three, four, and five has, like, a scope of advice. This is what we're focusing on for this particular document. Cool. So, again, main focus is just grab down the insurances a little bit to that kind of 700,000 mark, save a bit on premiums. We've included just the usual reminder about estate planning in terms of beneficiaries and wills and everything. And then we've just put a limited scope in there for the super just to show the impact that's gonna have. Again, we weren't doing any major changes to the super because we've already had that update in the investment, which is doing really well. And as far as what's not being covered in this document is budgeting and debt management. So we're not gonna obviously give you advice on your renovations. You're obviously handling that yourself. Fantastic. I was just there on the weekends laying down some planks to build a deck there, and it when it when it rains, it pours. Yep. All the fun stuff. All the fun stuff. If you swing through past there, you'll start to see the about you section, assets and liabilities after that, which we've just got your admin lead position. We've got your home, cars, boat, caravan, and savings. And, again, just looking at the Netwealth super and the resolution life policy. Now the main one is, if you can go to page nine, you'll see strategy recommendations. So just a bit of a heads up, because they've got your policy anniversary on the sixteenth, we've already gotten the policy anniversary notice from the insurer. So I've factored that into this document just saying, in three days' time, this is what the cover amount was going to be. This is what the premium was going up to. And then with the reduction, they've already given us the pricing on what it's gonna look like to trim it down. K? So it's not the biggest thing in the world, but it's been pretty material. It goes from about 3,200 to 2,655. So it's a nice little chunk off there for that 170,000 trimmed down in resolution life. You'll see a pretty text heavy section in page ten and eleven for the best interest duty and the needs analysis, which is basically just saying how we arrived at the figures was to cover the mortgage, have that 500,000 left over, and, obviously, reduction in premiums is gonna benefit the super. K? Now if you go down, the projections have been updated on page 11. In the middle of the page, you should see, like, a five and ten year impact about trimming down the net premiums and having no cover at all. And it's a pretty solid sort of $7,000 difference over ten years just by, obviously, the compounding effect of having that money invested rather than going to the insurer. K? So that pretty much, like, concludes the advice document. The second half of it just goes over beneficiary nominations to make sure that we can have your partner listed on that life policy, make sure that's up to date. And then it just goes through the usual remuneration at the bottom, which is our fees as well as the premium percentage from the insurer. And how to implement that is pretty much I've included a reduction quote in this pack. So we basically just need the reduction quote and this advice document signed, and then we can pretty much submit that straight away. When you do a reduction, you don't have to go through applications and anything crazy like that. Cool. A little bit of both. So this does a bit of a stretch out on the premiums and growth. But as your debts go down and as the years trim down, we will probably do a further reduction. But it's whether about do we do that on a yearly basis, or do we do that every three years? K. So part of our reviews would just be saying, hey. This is where it's jumping up to. Is it appropriate to start trimming down more, And how close are we getting to that retirement goal? Alright. Any questions so far? Amazing. The only other document there is when you skip through there, so you got the advice document has an authority to proceed from us. Then there's a resolution life quote, and then there's just an appendix with some background research. I did check a few other insurers to see if it was worth changing, but they didn't really come out as good, and there's no point doing a full new application for for little benefit. Cool. Yeah. Cool. So I'll just tell the team to just give you a buzz in a few months' time to see how he's tracking. Amazing. The only other thing is the beneficiary for Resolution Life. Are you okay for me to get the team to email that to print out, or would you prefer that just posted with a return envelope? Amazing. So we'll pretty much submit all this this week. We'll email you out that beneficiary form, and then we'll plug in for a bit of a catch up around September. Amazing, Paul. Anything else I can do before I let you go? Yeah. Sure. Right. A bit of both. So we'll always be there to talk you through pros and cons and things like that. If there's any official letters or emails that need to be constructed, we may need to swing in a broker of some kind. Do you have one of your own that you guys use? What would be your preference? Yeah. Yeah. Absolutely. Yep. Yeah. Absolutely. So what'll basically happen is when you call through, I'll have a flag on your account just to get you on to any kind of brokers that you might need. And then in terms of advice, they just wanna make sure that when people go and guarantor that they're considering their financial position and their own goals rather than just doing it for the other person. Cool. Alrighty, Paulie. Thank you so much for touching back with me before lunch. Apologies for that. Yeah. Awesome, Paula. Easy done. And then if I don't hear from you, I will speak to you in a couple of months. You too. Thank you so much. 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Oakview Financial. I'm doing fantastic, Paula. Have I caught you to lunchtime, mate? Amazing. Love that flexibility.\n\nOh, fantastic. I'm about to go on coffee number two, but I thought I'd give you a buzz first, and then I'll run off and do that. Awesome. So I've sent you an email just with that updated plan and quotes. Just while you're bringing that up, do you mind if I just check your quick security with you?\n\nAmazing. Just need date of birth and address, please. Sensational. And are you okay for the call to be recorded? Perfect.\n\nSo that should come through pretty quickly, but it's basically a sole focus around that reduction quote of the insurances that we were talking about, if that rings a bell. So so what I've done in here, when you grab up that plan, there'll be a little purple sign button, which just brings up the documents to scroll through with me. And just let me know when you can see that Gold Coast picture on the front. Perfect. Perfect.\n\nSo the purpose of this updated plan is basically just to capture our updated discussion, what the figures are gonna look like, and just a bit of an updated projection on how that impacts the super. So if you scroll through for me, page three, four, and five has, like, a scope of advice. This is what we're focusing on for this particular document. Cool. So, again, main focus is just grab down the insurances a little bit to that kind of 700,000 mark, save a bit on premiums.\n\nWe've included just the usual reminder about estate planning in terms of beneficiaries and wills and everything. And then we've just put a limited scope in there for the super just to show the impact that's gonna have. Again, we weren't doing any major changes to the super because we've already had that update in the investment, which is doing really well. And as far as what's not being covered in this document is budgeting and debt management. So we're not gonna obviously give you advice on your renovations.\n\nYou're obviously handling that yourself. Fantastic. I was just there on the weekends laying down some planks to build a deck there, and it when it when it rains, it pours. Yep. All the fun stuff.\n\nAll the fun stuff. If you swing through past there, you'll start to see the about you section, assets and liabilities after that, which we've just got your admin lead position. We've got your home, cars, boat, caravan, and savings. And, again, just looking at the Netwealth super and the resolution life policy. Now the main one is, if you can go to page nine, you'll see strategy recommendations.\n\nSo just a bit of a heads up, because they've got your policy anniversary on the sixteenth, we've already gotten the policy anniversary notice from the insurer. So I've factored that into this document just saying, in three days' time, this is what the cover amount was going to be. This is what the premium was going up to. And then with the reduction, they've already given us the pricing on what it's gonna look like to trim it down. K?\n\nSo it's not the biggest thing in the world, but it's been pretty material. It goes from about 3,200 to 2,655. So it's a nice little chunk off there for that 170,000 trimmed down in resolution life. You'll see a pretty text heavy section in page ten and eleven for the best interest duty and the needs analysis, which is basically just saying how we arrived at the figures was to cover the mortgage, have that 500,000 left over, and, obviously, reduction in premiums is gonna benefit the super. K?\n\nNow if you go down, the projections have been updated on page 11. In the middle of the page, you should see, like, a five and ten year impact about trimming down the net premiums and having no cover at all. And it's a pretty solid sort of $7,000 difference over ten years just by, obviously, the compounding effect of having that money invested rather than going to the insurer. K? So that pretty much, like, concludes the advice document.\n\nThe second half of it just goes over beneficiary nominations to make sure that we can have your partner listed on that life policy, make sure that's up to date. And then it just goes through the usual remuneration at the bottom, which is our fees as well as the premium percentage from the insurer. And how to implement that is pretty much I've included a reduction quote in this pack. So we basically just need the reduction quote and this advice document signed, and then we can pretty much submit that straight away. When you do a reduction, you don't have to go through applications and anything crazy like that.\n\nCool. A little bit of both. So this does a bit of a stretch out on the premiums and growth. But as your debts go down and as the years trim down, we will probably do a further reduction. But it's whether about do we do that on a yearly basis, or do we do that every three years?\n\nK. So part of our reviews would just be saying, hey. This is where it's jumping up to. Is it appropriate to start trimming down more, And how close are we getting to that retirement goal? Alright.\n\nAny questions so far? Amazing. The only other document there is when you skip through there, so you got the advice document has an authority to proceed from us. Then there's a resolution life quote, and then there's just an appendix with some background research. I did check a few other insurers to see if it was worth changing, but they didn't really come out as good, and there's no point doing a full new application for for little benefit.\n\nCool. Yeah. Cool. So I'll just tell the team to just give you a buzz in a few months' time to see how he's tracking. Amazing.\n\nThe only other thing is the beneficiary for Resolution Life. Are you okay for me to get the team to email that to print out, or would you prefer that just posted with a return envelope? Amazing. So we'll pretty much submit all this this week. We'll email you out that beneficiary form, and then we'll plug in for a bit of a catch up around September.\n\nAmazing, Paul. Anything else I can do before I let you go? Yeah. Sure. Right.\n\nA bit of both. So we'll always be there to talk you through pros and cons and things like that. If there's any official letters or emails that need to be constructed, we may need to swing in a broker of some kind. Do you have one of your own that you guys use? What would be your preference?\n\nYeah. Yeah. Absolutely. Yep. Yeah.\n\nAbsolutely. So what'll basically happen is when you call through, I'll have a flag on your account just to get you on to any kind of brokers that you might need. And then in terms of advice, they just wanna make sure that when people go and guarantor that they're considering their financial position and their own goals rather than just doing it for the other person. Cool. Alrighty, Paulie.\n\nThank you so much for touching back with me before lunch. Apologies for that. Yeah. Awesome, Paula. Easy done.\n\nAnd then if I don't hear from you, I will speak to you in a couple of months. You too. Thank you so much. Bye.","paragraphs":[{"sentences":[{"text":"Tommy, Oakview Financial.","start":5.2799997,"end":6.8199997,"sentiment":"neutral","sentiment_score":0.032335108146071434},{"text":"I'm doing fantastic, Paula.","start":18.255001,"end":19.695,"sentiment":"positive","sentiment_score":0.7378100901842117},{"text":"Have I caught you to lunchtime, mate?","start":19.695,"end":21.395,"sentiment":"neutral","sentiment_score":0.19964838027954102},{"text":"Amazing.","start":27.79,"end":28.27,"sentiment":"positive","sentiment_score":0.7280706167221069},{"text":"Love that flexibility.","start":28.27,"end":29.33,"sentiment":"positive","sentiment_score":0.6277503768603007}],"sentiment":"positive","sentiment_score":0.3920614496908254,"num_words":18,"start":5.2799997,"end":29.33},{"sentences":[{"text":"Oh, fantastic.","start":30.27,"end":31.33,"sentiment":"neutral","sentiment_score":0.3257334232330322},{"text":"I'm about to go on coffee number two, but I thought I'd give you a buzz first, and then I'll run off and do that.","start":31.470001,"end":35.89,"sentiment":"neutral","sentiment_score":0.11100835502147674},{"text":"Awesome.","start":37.875,"end":38.355,"sentiment":"positive","sentiment_score":0.49291276931762695},{"text":"So I've sent you an email just with that updated plan and quotes.","start":38.355,"end":41.815002,"sentiment":"neutral","sentiment_score":0.19249221911797157},{"text":"Just while you're bringing that up, do you mind if I just check your quick security with you?","start":42.515,"end":46.695,"sentiment":"neutral","sentiment_score":0.04296118952333927}],"sentiment":"neutral","sentiment_score":0.12195404663176859,"num_words":59,"start":30.27,"end":46.695},{"sentences":[{"text":"Amazing.","start":47.795002,"end":48.295002,"sentiment":"neutral","sentiment_score":0.1516086459159851},{"text":"Just need date of birth and address, please.","start":48.675003,"end":50.695,"sentiment":"neutral","sentiment_score":0.06655478151515126},{"text":"Sensational.","start":58.9,"end":59.4,"sentiment":"neutral","sentiment_score":0.029183080419898033},{"text":"And are you okay for the call to be recorded?","start":59.7,"end":61.8,"sentiment":"neutral","sentiment_score":0.0026965631172060967},{"text":"Perfect.","start":64.275,"end":64.775,"sentiment":"neutral","sentiment_score":0.27454984188079834}],"sentiment":"neutral","sentiment_score":0.048321211976664405,"num_words":21,"start":47.795002,"end":64.775},{"sentences":[{"text":"So that should come through pretty quickly, but it's basically a sole focus around that reduction quote of the insurances that we were talking about, if that rings a bell.","start":64.835,"end":74.85,"sentiment":"neutral","sentiment_score":0.09309715057412783},{"text":"So so what I've done in here, when you grab up that plan, there'll be a little purple sign button, which just brings up the documents to scroll through with me.","start":76.21,"end":84.869995,"sentiment":"neutral","sentiment_score":0.07732063351619628},{"text":"And just let me know when you can see that Gold Coast picture on the front.","start":86.13,"end":89.99,"sentiment":"neutral","sentiment_score":0.0680178424809128},{"text":"Perfect.","start":91.845,"end":92.165,"sentiment":"positive","sentiment_score":0.40365371108055115},{"text":"Perfect.","start":92.165,"end":92.565,"sentiment":"neutral","sentiment_score":0.31496211886405945}],"sentiment":"neutral","sentiment_score":0.0885665248843688,"num_words":79,"start":64.835,"end":92.565},{"sentences":[{"text":"So the purpose of this updated plan is basically just to capture our updated discussion, what the figures are gonna look like, and just a bit of an updated projection on how that impacts the super.","start":92.565,"end":103.545,"sentiment":"neutral","sentiment_score":0.05591979312400023},{"text":"So if you scroll through for me, page three, four, and five has, like, a scope of advice.","start":105.07,"end":111.549995,"sentiment":"neutral","sentiment_score":-0.05351796347854866},{"text":"This is what we're focusing on for this particular document.","start":111.549995,"end":114.45,"sentiment":"neutral","sentiment_score":0.06970027461647987},{"text":"Cool.","start":123.564995,"end":123.805,"sentiment":"positive","sentiment_score":0.5538308024406433},{"text":"So, again, main focus is just grab down the insurances a little bit to that kind of 700,000 mark, save a bit on premiums.","start":123.805,"end":131.66,"sentiment":"neutral","sentiment_score":0.24182189038644233}],"sentiment":"neutral","sentiment_score":0.09106009132281113,"num_words":89,"start":92.565,"end":131.66},{"sentences":[{"text":"We've included just the usual reminder about estate planning in terms of beneficiaries and wills and everything.","start":132.36,"end":138.14,"sentiment":"neutral","sentiment_score":0.1595224050038001},{"text":"And then we've just put a limited scope in there for the super just to show the impact that's gonna have.","start":139.88,"end":145.125,"sentiment":"neutral","sentiment_score":0.057798455691053754},{"text":"Again, we weren't doing any major changes to the super because we've already had that update in the investment, which is doing really well.","start":145.205,"end":151.465,"sentiment":"neutral","sentiment_score":0.12271633689912657},{"text":"And as far as what's not being covered in this document is budgeting and debt management.","start":152.325,"end":157.14,"sentiment":"neutral","sentiment_score":-0.21024874318391085},{"text":"So we're not gonna obviously give you advice on your renovations.","start":157.38,"end":159.8,"sentiment":"neutral","sentiment_score":-0.24118142913688312}],"sentiment":"neutral","sentiment_score":0.009593987963005398,"num_words":89,"start":132.36,"end":159.8},{"sentences":[{"text":"You're obviously handling that yourself.","start":160.18,"end":162.12,"sentiment":"neutral","sentiment_score":-0.20643190443515777},{"text":"Fantastic.","start":167.38,"end":167.88,"sentiment":"positive","sentiment_score":0.744103729724884},{"text":"I was just there on the weekends laying down some planks to build a deck there, and it when it when it rains, it pours.","start":168.18,"end":175.115,"sentiment":"neutral","sentiment_score":0.2665005072951317},{"text":"Yep.","start":178.13501,"end":178.63501,"sentiment":"neutral","sentiment_score":0.2390378713607788},{"text":"All the fun stuff.","start":180.13501,"end":181.095,"sentiment":"positive","sentiment_score":0.492646224796772}],"sentiment":"neutral","sentiment_score":0.23844665723542371,"num_words":36,"start":160.18,"end":181.095},{"sentences":[{"text":"All the fun stuff.","start":181.095,"end":182.235,"sentiment":"neutral","sentiment_score":0.2547118626534939},{"text":"If you swing through past there, you'll start to see the about you section, assets and liabilities after that, which we've just got your admin lead position.","start":182.77501,"end":192.78,"sentiment":"neutral","sentiment_score":0.052161964139452684},{"text":"We've got your home, cars, boat, caravan, and savings.","start":193.31999,"end":196.78,"sentiment":"neutral","sentiment_score":0.08013999337951343},{"text":"And, again, just looking at the Netwealth super and the resolution life policy.","start":197.56,"end":202.3,"sentiment":"neutral","sentiment_score":0.06931815726252702},{"text":"Now the main one is, if you can go to page nine, you'll see strategy recommendations.","start":203.935,"end":208.435,"sentiment":"neutral","sentiment_score":0.05521099839825183}],"sentiment":"neutral","sentiment_score":0.07149264408086521,"num_words":69,"start":181.095,"end":208.435},{"sentences":[{"text":"So just a bit of a heads up, because they've got your policy anniversary on the sixteenth, we've already gotten the policy anniversary notice from the insurer.","start":210.415,"end":218.95999,"sentiment":"neutral","sentiment_score":0.04383091007669767},{"text":"So I've factored that into this document just saying, in three days' time, this is what the cover amount was going to be.","start":219.26,"end":225.42,"sentiment":"neutral","sentiment_score":0.07282302965936453},{"text":"This is what the premium was going up to.","start":225.42,"end":227.65999,"sentiment":"neutral","sentiment_score":0.16135040587849087},{"text":"And then with the reduction, they've already given us the pricing on what it's gonna look like to trim it down.","start":227.65999,"end":232.695,"sentiment":"neutral","sentiment_score":0.08343058097220603},{"text":"K?","start":234.455,"end":234.615,"sentiment":"neutral","sentiment_score":0.14979012310504913}],"sentiment":"neutral","sentiment_score":0.07669568186004956,"num_words":81,"start":210.415,"end":234.615},{"sentences":[{"text":"So it's not the biggest thing in the world, but it's been pretty material.","start":234.615,"end":238.875,"sentiment":"neutral","sentiment_score":0.1958162183208125},{"text":"It goes from about 3,200 to 2,655.","start":239.49501,"end":243.895,"sentiment":"neutral","sentiment_score":0.3227942202772413},{"text":"So it's a nice little chunk off there for that 170,000 trimmed down in resolution life.","start":243.895,"end":250.39,"sentiment":"positive","sentiment_score":0.49864271469414234},{"text":"You'll see a pretty text heavy section in page ten and eleven for the best interest duty and the needs analysis, which is basically just saying how we arrived at the figures was to cover the mortgage, have that 500,000 left over, and, obviously, reduction in premiums is gonna benefit the super.","start":252.45,"end":270.415,"sentiment":"neutral","sentiment_score":0.31672293377610355},{"text":"K?","start":272.07498,"end":272.57498,"sentiment":"neutral","sentiment_score":0.09886501729488371}],"sentiment":"neutral","sentiment_score":0.3283080845243401,"num_words":90,"start":234.615,"end":272.57498},{"sentences":[{"text":"Now if you go down, the projections have been updated on page 11.","start":272.715,"end":276.6,"sentiment":"neutral","sentiment_score":0.11548218646874794},{"text":"In the middle of the page, you should see, like, a five and ten year impact about trimming down the net premiums and having no cover at all.","start":276.66,"end":284.76,"sentiment":"neutral","sentiment_score":0.16584950339581286},{"text":"And it's a pretty solid sort of $7,000 difference over ten years just by, obviously, the compounding effect of having that money invested rather than going to the insurer.","start":285.78,"end":296.11502,"sentiment":"neutral","sentiment_score":0.18103546225305261},{"text":"K?","start":297.77502,"end":298.27502,"sentiment":"neutral","sentiment_score":0.07500094920396805},{"text":"So that pretty much, like, concludes the advice document.","start":298.49503,"end":302.58002,"sentiment":"neutral","sentiment_score":0.16433564490742153}],"sentiment":"neutral","sentiment_score":0.16186380847357212,"num_words":80,"start":272.715,"end":302.58002},{"sentences":[{"text":"The second half of it just goes over beneficiary nominations to make sure that we can have your partner listed on that life policy, make sure that's up to date.","start":302.58002,"end":311.32,"sentiment":"neutral","sentiment_score":0.18934492766857147},{"text":"And then it just goes through the usual remuneration at the bottom, which is our fees as well as the premium percentage from the insurer.","start":313.395,"end":320.455,"sentiment":"neutral","sentiment_score":0.17068650364875793},{"text":"And how to implement that is pretty much I've included a reduction quote in this pack.","start":320.835,"end":325.97498,"sentiment":"neutral","sentiment_score":0.24684173613786697},{"text":"So we basically just need the reduction quote and this advice document signed, and then we can pretty much submit that straight away.","start":326.2,"end":333.18002,"sentiment":"neutral","sentiment_score":0.28066095385862433},{"text":"When you do a reduction, you don't have to go through applications and anything crazy like that.","start":333.32,"end":338.055,"sentiment":"neutral","sentiment_score":0.16030661454972098}],"sentiment":"neutral","sentiment_score":0.2079044377078881,"num_words":111,"start":302.58002,"end":338.055},{"sentences":[{"text":"Cool.","start":339.895,"end":340.395,"sentiment":"positive","sentiment_score":0.495365858078003},{"text":"A little bit of both.","start":352.71002,"end":353.59,"sentiment":"neutral","sentiment_score":0.03251282386481762},{"text":"So this does a bit of a stretch out on the premiums and growth.","start":353.59,"end":358.33002,"sentiment":"neutral","sentiment_score":0.1349552326968738},{"text":"But as your debts go down and as the years trim down, we will probably do a further reduction.","start":358.55002,"end":364.41,"sentiment":"neutral","sentiment_score":-0.004652125270743119},{"text":"But it's whether about do we do that on a yearly basis, or do we do that every three years?","start":364.73502,"end":368.915,"sentiment":"neutral","sentiment_score":0.02250370029360056}],"sentiment":"neutral","sentiment_score":0.049304862048918915,"num_words":59,"start":339.895,"end":368.915},{"sentences":[{"text":"K.","start":370.49503,"end":370.73502,"sentiment":"neutral","sentiment_score":0.08614940941333771},{"text":"So part of our reviews would just be saying, hey.","start":370.73502,"end":373.21503,"sentiment":"neutral","sentiment_score":0.040053296089172366},{"text":"This is where it's jumping up to.","start":373.21503,"end":375.23502,"sentiment":"neutral","sentiment_score":0.05795077181288174},{"text":"Is it appropriate to start trimming down more, And how close are we getting to that retirement goal?","start":375.535,"end":380.98,"sentiment":"neutral","sentiment_score":0.021567299134201474},{"text":"Alright.","start":383.52,"end":383.76,"sentiment":"neutral","sentiment_score":0.21522966027259827}],"sentiment":"neutral","sentiment_score":0.04042645453198536,"num_words":37,"start":370.49503,"end":383.76},{"sentences":[{"text":"Any questions so far?","start":383.76,"end":385.06,"sentiment":"neutral","sentiment_score":0.16956885904073715},{"text":"Amazing.","start":387.28,"end":387.78,"sentiment":"positive","sentiment_score":0.48899608850479126},{"text":"The only other document there is when you skip through there, so you got the advice document has an authority to proceed from us.","start":388.24,"end":394.515,"sentiment":"neutral","sentiment_score":0.05413008388131857},{"text":"Then there's a resolution life quote, and then there's just an appendix with some background research.","start":394.89502,"end":399.95502,"sentiment":"neutral","sentiment_score":0.046699917991645634},{"text":"I did check a few other insurers to see if it was worth changing, but they didn't really come out as good, and there's no point doing a full new application for for little benefit.","start":400.17502,"end":409.37,"sentiment":"neutral","sentiment_score":-0.21197664248091833}],"sentiment":"neutral","sentiment_score":-0.05256987826433033,"num_words":80,"start":383.76,"end":409.37},{"sentences":[{"text":"Cool.","start":412.06998,"end":412.56998,"sentiment":"neutral","sentiment_score":0.3285541534423828},{"text":"Yeah.","start":441.94,"end":442.335,"sentiment":"neutral","sentiment_score":0.011185667477548122},{"text":"Cool.","start":448.255,"end":448.655,"sentiment":"positive","sentiment_score":0.40140920877456665},{"text":"So I'll just tell the team to just give you a buzz in a few months' time to see how he's tracking.","start":448.655,"end":452.995,"sentiment":"neutral","sentiment_score":0.099102072163739},{"text":"Amazing.","start":455.07,"end":455.57,"sentiment":"positive","sentiment_score":0.7348434925079346}],"sentiment":"neutral","sentiment_score":0.14062454268479577,"num_words":26,"start":412.06998,"end":455.57},{"sentences":[{"text":"The only other thing is the beneficiary for Resolution Life.","start":455.79,"end":458.85,"sentiment":"neutral","sentiment_score":0.2175258979201317},{"text":"Are you okay for me to get the team to email that to print out, or would you prefer that just posted with a return envelope?","start":459.23,"end":465.57,"sentiment":"neutral","sentiment_score":0.08860084392990057},{"text":"Amazing.","start":471.32498,"end":471.805,"sentiment":"positive","sentiment_score":0.6622161269187927},{"text":"So we'll pretty much submit all this this week.","start":471.805,"end":474.625,"sentiment":"positive","sentiment_score":0.47319526473681134},{"text":"We'll email you out that beneficiary form, and then we'll plug in for a bit of a catch up around September.","start":474.76498,"end":479.585,"sentiment":"neutral","sentiment_score":0.25211069484551746}],"sentiment":"neutral","sentiment_score":0.21931610481618946,"num_words":67,"start":455.79,"end":479.585},{"sentences":[{"text":"Amazing, Paul.","start":482.41,"end":482.97,"sentiment":"positive","sentiment_score":0.5491311848163605},{"text":"Anything else I can do before I let you go?","start":482.97,"end":484.91,"sentiment":"neutral","sentiment_score":0.14769324660301208},{"text":"Yeah.","start":488.81,"end":489.31,"sentiment":"neutral","sentiment_score":0.002034570090472698},{"text":"Sure.","start":497.065,"end":497.565,"sentiment":"neutral","sentiment_score":-0.016559086740016937},{"text":"Right.","start":504.44,"end":504.94,"sentiment":"neutral","sentiment_score":-0.043013837188482285}],"sentiment":"neutral","sentiment_score":0.1678437654549877,"num_words":15,"start":482.41,"end":504.94},{"sentences":[{"text":"A bit of both.","start":513.8,"end":514.52,"sentiment":"neutral","sentiment_score":-0.032210254576057196},{"text":"So we'll always be there to talk you through pros and cons and things like that.","start":514.52,"end":518.54,"sentiment":"neutral","sentiment_score":-0.03461783748934977},{"text":"If there's any official letters or emails that need to be constructed, we may need to swing in a broker of some kind.","start":518.645,"end":525.865,"sentiment":"neutral","sentiment_score":-0.03340161846869666},{"text":"Do you have one of your own that you guys use?","start":526.005,"end":528.405,"sentiment":"neutral","sentiment_score":-0.00751088559627533},{"text":"What would be your preference?","start":528.405,"end":529.545,"sentiment":"neutral","sentiment_score":-0.023487967625260352}],"sentiment":"neutral","sentiment_score":-0.027983444450833533,"num_words":59,"start":513.8,"end":529.545},{"sentences":[{"text":"Yeah.","start":540.9,"end":541.4,"sentiment":"neutral","sentiment_score":-0.06180666759610176},{"text":"Yeah.","start":552.035,"end":552.435,"sentiment":"neutral","sentiment_score":0.13026967644691467},{"text":"Absolutely.","start":552.435,"end":552.935,"sentiment":"neutral","sentiment_score":0.2126128226518631},{"text":"Yep.","start":560.76996,"end":561.26996,"sentiment":"neutral","sentiment_score":0.017737289890646935},{"text":"Yeah.","start":575.185,"end":575.505,"sentiment":"neutral","sentiment_score":0.1043006032705307}],"sentiment":"neutral","sentiment_score":0.08062274493277073,"num_words":5,"start":540.9,"end":575.505},{"sentences":[{"text":"Absolutely.","start":575.505,"end":576.005,"sentiment":"neutral","sentiment_score":0.18491944670677185},{"text":"So what'll basically happen is when you call through, I'll have a flag on your account just to get you on to any kind of brokers that you might need.","start":576.065,"end":583.14,"sentiment":"neutral","sentiment_score":0.14914851958552997},{"text":"And then in terms of advice, they just wanna make sure that when people go and guarantor that they're considering their financial position and their own goals rather than just doing it for the other person.","start":583.28,"end":593.22003,"sentiment":"neutral","sentiment_score":0.07240143025086986},{"text":"Cool.","start":595.565,"end":596.065,"sentiment":"positive","sentiment_score":0.4820901155471802},{"text":"Alrighty, Paulie.","start":596.525,"end":597.325,"sentiment":"neutral","sentiment_score":0.2400805577635765}],"sentiment":"neutral","sentiment_score":0.11754396791969027,"num_words":70,"start":575.505,"end":597.325},{"sentences":[{"text":"Thank you so much for touching back with me before 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much.","start":642.22284,"end":643.0228,"sentiment":"positive","sentiment_score":0.797921359539032},{"text":"Bye.","start":643.0228,"end":643.5228,"sentiment":"neutral","sentiment_score":0.28490614891052246}],"sentiment":"neutral","sentiment_score":0.1866791568696499,"num_words":25,"start":634.01,"end":643.5228}]}}]},{"alternatives":[{"transcript":"Record your name and reason for calling. I'll see if this person is available. Thanks. Please stay on the line. Hey, Tommy. How are you going? Not quite, but that's alright. I'm just working from home, so I can take my lunch whenever. So all good. I'm still halfway through my coffee. Sure. No prob. Just go for it. Yep. Sure. Tenth of the tenth nineteen sixty eight, and the address is Number 7 Burke Street, Montmorency, Victoria 3094. Yep. That is fine. Yep. Toast. Yep. Yes. I've got it. Go for it. Mhmm. I'm here to help us. Sorry. Yep. Cool for it. Mhmm. Yep. Yep. Yep. Getting there. It's very progressing really quickly this week. I'm excited. There you go. They're laying he's like Craig was laying flooring till about 11:30 last night, so it's starting to move. Yes. Exactly. Yep. Yep. Mhmm. Yep. Mhmm. Yep. Yep. Okay. Cool. Yep. Yep. Yep. Yep. Correct. Yes. Yes. Okay. Yep. Mhmm. Yep. Yep. Mhmm. Yep. Yep. Fair enough. Okay. And so that will still, like obviously, I work a couple of years up my sleeve till I turn 60, but then is that when we we look sort of at where we go, or is that already kind of factored in here? Yep. Yep. Okay. Yeah. Okay. Cool. Yep. Yep. Cool. Alright. Sounds good. Nope. All good. Yep. Yep. Fair enough. Alright. That all looks good. I'll go through and get all that signed. And just as an update too, Craig is still going to to, you know, meet with you guys. However, he just wants to wait till he's got financials done for this year so that then he's just in a better position. He's also tidying up some of his, like, super looking into, you know, getting that figures and stuff ready to go. So once he's got his finance, we'll probably look at doing that maybe, I don't know, September ish, end of August, something like that. Yeah. Yep. Perfect. Sounds good. Alright. Email is fine. I can print it and sign it. That's not a problem. Yep. Yep. Perfect. Sounds good. Just a question in general. If we were to look at something later this year as a guarantor arrangement for one of our adult children who's looking at buying a house, is that something you guys because I know that part of it, if we go guarantor, is we need to get our own financial consulting as part of the process, apparently. So is that something you guys can help us with, or is that outside of the scope of what you're offering? Yeah. Yep. Yep. Probably not. No. I don't really wanna use them again. So no. Not at the moment, but we yeah. We're really it's all just sort of stuff. They're just looking into it now. So we're just trying to work out what's the best option for them going forward given that we've got, you know, a lot of equity in the property. So I was thinking it might be a way of giving them a helping hand. But, yeah, we're just sort of going through all the process at the moment, but I just wasn't sure. I know that it just said that you had to get independent financial advice for us, not with them. And I just thought, is that something you guys can help with, which sounds like it is? So awesome. Once I know more, I will let you know. It'll probably maybe about next September catch up. I'll have no I'll put more info then too. Yep. Yeah. Yeah. Exactly. Cool. Sounds good. Alright. No. That's alright. No. And that's okay. I actually did send a a message back to the email just to say that I couldn't make that original time. And as soon as I saw you come up, I thought, okay. Because they hadn't responded to that. I wasn't surprised when you the thing came up during that meeting. I was like, okay. So, yeah, thank you for making the time. That is good. No. No. I'm good. That's fine. Absolutely. Normally, as I said, I work from home, so it's not such a big deal other than Thursdays when I'm actually in the city. But yeah. All good. We're done now. And I'll get that through and we sorted. Terrific. Okay. Alright. No problem. Okay. Great. Thanks, Tommy. Have a good day. Talk soon. 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your name and reason for calling. I'll see if this person is available. Thanks. Please stay on the line. Hey, Tommy.\n\nHow are you going? Not quite, but that's alright. I'm just working from home, so I can take my lunch whenever. So all good. I'm still halfway through my coffee.\n\nSure. No prob. Just go for it. Yep. Sure.\n\nTenth of the tenth nineteen sixty eight, and the address is Number 7 Burke Street, Montmorency, Victoria 3094. Yep. That is fine. Yep. Toast.\n\nYep. Yes. I've got it. Go for it. Mhmm.\n\nI'm here to help us. Sorry. Yep. Cool for it. Mhmm.\n\nYep. Yep. Yep. Getting there. It's very progressing really quickly this week.\n\nI'm excited. There you go. They're laying he's like Craig was laying flooring till about 11:30 last night, so it's starting to move. Yes. Exactly.\n\nYep. Yep. Mhmm. Yep. Mhmm.\n\nYep. Yep. Okay. Cool. Yep.\n\nYep. Yep. Yep. Correct. Yes.\n\nYes. Okay. Yep. Mhmm. Yep.\n\nYep. Mhmm. Yep. Yep. Fair enough.\n\nOkay. And so that will still, like obviously, I work a couple of years up my sleeve till I turn 60, but then is that when we we look sort of at where we go, or is that already kind of factored in here? Yep. Yep. Okay.\n\nYeah. Okay. Cool. Yep. Yep.\n\nCool. Alright. Sounds good. Nope. All good.\n\nYep. Yep. Fair enough. Alright. That all looks good.\n\nI'll go through and get all that signed. And just as an update too, Craig is still going to to, you know, meet with you guys. However, he just wants to wait till he's got financials done for this year so that then he's just in a better position. He's also tidying up some of his, like, super looking into, you know, getting that figures and stuff ready to go. So once he's got his finance, we'll probably look at doing that maybe, I don't know, September ish, end of August, something like that.\n\nYeah. Yep. Perfect. Sounds good. Alright.\n\nEmail is fine. I can print it and sign it. That's not a problem. Yep. Yep.\n\nPerfect. Sounds good. Just a question in general. If we were to look at something later this year as a guarantor arrangement for one of our adult children who's looking at buying a house, is that something you guys because I know that part of it, if we go guarantor, is we need to get our own financial consulting as part of the process, apparently. So is that something you guys can help us with, or is that outside of the scope of what you're offering?\n\nYeah. Yep. Yep. Probably not. No.\n\nI don't really wanna use them again. So no. Not at the moment, but we yeah. We're really it's all just sort of stuff. They're just looking into it now.\n\nSo we're just trying to work out what's the best option for them going forward given that we've got, you know, a lot of equity in the property. So I was thinking it might be a way of giving them a helping hand. But, yeah, we're just sort of going through all the process at the moment, but I just wasn't sure. I know that it just said that you had to get independent financial advice for us, not with them. And I just thought, is that something you guys can help with, which sounds like it is?\n\nSo awesome. Once I know more, I will let you know. It'll probably maybe about next September catch up. I'll have no I'll put more info then too. Yep.\n\nYeah. Yeah. Exactly. Cool. Sounds good.\n\nAlright. No. That's alright. No. And that's okay.\n\nI actually did send a a message back to the email just to say that I couldn't make that original time. And as soon as I saw you come up, I thought, okay. Because they hadn't responded to that. I wasn't surprised when you the thing came up during that meeting. I was like, okay.\n\nSo, yeah, thank you for making the time. That is good. No. No. I'm good.\n\nThat's fine. Absolutely. Normally, as I said, I work from home, so it's not such a big deal other than Thursdays when I'm actually in the city. But yeah. All good.\n\nWe're done now. And I'll get that through and we sorted. Terrific. Okay. Alright.\n\nNo problem. Okay. Great. Thanks, Tommy. Have a good day.\n\nTalk soon. Bye.","paragraphs":[{"sentences":[{"text":"Record your name and reason for calling.","start":0.24,"end":2.1599998,"sentiment":"neutral","sentiment_score":-0.0006748788457896028},{"text":"I'll see if this person is available.","start":2.1599998,"end":4.02,"sentiment":"neutral","sentiment_score":0.007971982272075755},{"text":"Thanks.","start":11.599999,"end":12.099999,"sentiment":"positive","sentiment_score":0.4267547130584717},{"text":"Please stay on the line.","start":12.24,"end":13.54,"sentiment":"neutral","sentiment_score":0.2533448994159698},{"text":"Hey, Tommy.","start":16.744999,"end":17.385,"sentiment":"neutral","sentiment_score":0.2131560891866684}],"sentiment":"neutral","sentiment_score":0.09867595965889367,"num_words":22,"start":0.24,"end":17.385},{"sentences":[{"text":"How are you going?","start":17.385,"end":18.125,"sentiment":"neutral","sentiment_score":0.2711068168282509},{"text":"Not quite, but that's 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good.","start":616.95,"end":617.85004,"sentiment":"neutral","sentiment_score":0.1312452753384908},{"text":"No.","start":617.91003,"end":618.15,"sentiment":"neutral","sentiment_score":-0.0756477490067482},{"text":"No.","start":618.15,"end":618.39,"sentiment":"neutral","sentiment_score":-0.07697749882936478},{"text":"I'm good.","start":618.39,"end":618.79004,"sentiment":"neutral","sentiment_score":-0.040289292111992836}],"sentiment":"neutral","sentiment_score":0.013476713995138804,"num_words":15,"start":615.27,"end":618.79004},{"sentences":[{"text":"That's fine.","start":618.79004,"end":619.43005,"sentiment":"neutral","sentiment_score":0.14408081024885178},{"text":"Absolutely.","start":619.43005,"end":619.93005,"sentiment":"neutral","sentiment_score":0.1458548903465271},{"text":"Normally, as I said, I work from home, so it's not such a big deal other than Thursdays when I'm actually in the city.","start":620.23004,"end":626.405,"sentiment":"neutral","sentiment_score":0.06158985756337643},{"text":"But yeah.","start":626.405,"end":627.705,"sentiment":"neutral","sentiment_score":0.11485099419951439},{"text":"All good.","start":628.085,"end":628.72504,"sentiment":"positive","sentiment_score":0.349146232008934}],"sentiment":"neutral","sentiment_score":0.09161830789619876,"num_words":31,"start":618.79004,"end":628.72504},{"sentences":[{"text":"We're done now.","start":628.72504,"end":629.685,"sentiment":"neutral","sentiment_score":0.13637506837646166},{"text":"And I'll get that through and we sorted.","start":629.685,"end":632.185,"sentiment":"positive","sentiment_score":0.4756337031722069},{"text":"Terrific.","start":633.28503,"end":633.78503,"sentiment":"positive","sentiment_score":0.8363088369369507},{"text":"Okay.","start":633.84503,"end":634.34503,"sentiment":"neutral","sentiment_score":0.33156484365463257},{"text":"Alright.","start":638.06,"end":638.54004,"sentiment":"neutral","sentiment_score":0.14457914233207703}],"sentiment":"positive","sentiment_score":0.3947605466736214,"num_words":14,"start":628.72504,"end":638.54004},{"sentences":[{"text":"No problem.","start":638.54004,"end":639.28,"sentiment":"neutral","sentiment_score":0.22578531503677368},{"text":"Okay.","start":639.42004,"end":639.66003,"sentiment":"positive","sentiment_score":0.33541959524154663},{"text":"Great.","start":639.66003,"end":639.9,"sentiment":"positive","sentiment_score":0.8213537931442261},{"text":"Thanks, Tommy.","start":639.9,"end":640.62,"sentiment":"positive","sentiment_score":0.8380429148674011},{"text":"Have a good day.","start":640.62,"end":641.52,"sentiment":"positive","sentiment_score":0.7293721139431}],"sentiment":"positive","sentiment_score":0.6201918303966523,"num_words":10,"start":638.54004,"end":641.52},{"sentences":[{"text":"Talk soon.","start":642.94,"end":643.58,"sentiment":"neutral","sentiment_score":0.2530461698770523},{"text":"Bye.","start":643.58,"end":644.08,"sentiment":"neutral","sentiment_score":-0.11501577496528624}],"sentiment":"neutral","sentiment_score":0.1303588549296061,"num_words":3,"start":642.94,"end":644.08}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Record your name and reason for calling. I'll see if this person is available.\n\nChannel 0: Tommy, Oakview Financial.\n\nChannel 1: Thanks. Please stay on the line. Hey, Tommy. How are you going?\n\nChannel 0: I'm doing fantastic, Paula. Have I caught you to lunchtime, mate?\n\nChannel 1: Not quite, but that's alright. I'm just working from home, so I can take my lunch whenever. So all good.\n\nChannel 0: Amazing.\n\nChannel 1: I'm still\n\nChannel 0: Love\n\nChannel 1: halfway\n\nChannel 0: that\n\nChannel 1: through\n\nChannel 0: flexibility.\n\nChannel 1: my coffee.\n\nChannel 0: Oh, fantastic. I'm about to go on coffee number two, but I thought I'd give you a buzz first, and then I'll run off\n\nChannel 1: Sure.\n\nChannel 0: and do that.\n\nChannel 1: No prob. Just go for it.\n\nChannel 0: Awesome. So I've sent you an email just with that updated plan\n\nChannel 1: Yep.\n\nChannel 0: and quotes. Just while you're bringing that up, do you mind if I just check your quick security with you?\n\nChannel 1: Sure.\n\nChannel 0: Amazing. Just need date of birth and address, please.\n\nChannel 1: Tenth of the tenth nineteen sixty eight, and the address is Number 7 Burke Street, Montmorency, Victoria 3094.\n\nChannel 0: Sensational. And are you okay for the call to be recorded?\n\nChannel 1: Yep. That is fine.\n\nChannel 0: Perfect. So that should come through pretty quickly, but it's basically a sole focus around that reduction quote of the insurances that we were talking about, if that rings a bell.\n\nChannel 1: Yep. Toast.\n\nChannel 0: So so what I've done in here, when you grab up that plan, there'll be a little purple sign button, which just brings up the documents to scroll through with me.\n\nChannel 1: Yep.\n\nChannel 0: And just let me know when you can see that Gold Coast picture on the front.\n\nChannel 1: Yes. I've got it. Go for\n\nChannel 0: Perfect.\n\nChannel 1: it.\n\nChannel 0: Perfect. So the purpose of this updated plan is basically just to capture our updated discussion, what the figures are gonna look like, and just\n\nChannel 1: Mhmm.\n\nChannel 0: a bit of an updated projection on how that impacts the super. So if\n\nChannel 1: I'm\n\nChannel 0: you\n\nChannel 1: here\n\nChannel 0: scroll\n\nChannel 1: to help\n\nChannel 0: through\n\nChannel 1: us.\n\nChannel 0: for\n\nChannel 1: Sorry.\n\nChannel 0: me, page three, four, and five has, like, a scope of advice. This is what we're focusing on for this particular document.\n\nChannel 1: Yep.\n\nChannel 0: Cool. So,\n\nChannel 1: Cool\n\nChannel 0: again,\n\nChannel 1: for it.\n\nChannel 0: main focus is just grab down the insurances a little bit to that kind of 700,000 mark, save a bit on premiums. We've included just the usual reminder about estate planning in terms of beneficiaries and wills and everything.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: And then we've just put a limited scope in there for the super just to show the impact that's gonna have. Again, we weren't doing any major changes to the super because we've already had that update in the investment, which is doing really well. And as far as what's not being covered in this document is budgeting and debt management. So we're not gonna obviously give you advice on your renovations. You're obviously handling that yourself.\n\nChannel 1: Yep. Yep. Getting there. It's very progressing really quickly this week. I'm excited.\n\nChannel 0: Fantastic. I was just there on the weekends laying down some planks to build a deck there, and it\n\nChannel 1: There you\n\nChannel 0: when\n\nChannel 1: go. They're\n\nChannel 0: it\n\nChannel 1: laying\n\nChannel 0: when it rains,\n\nChannel 1: he's like\n\nChannel 0: it pours.\n\nChannel 1: Craig was laying flooring till about 11:30 last night, so\n\nChannel 0: Yep.\n\nChannel 1: it's starting to move.\n\nChannel 0: All the fun stuff. All the fun\n\nChannel 1: Yes.\n\nChannel 0: stuff.\n\nChannel 1: Exactly.\n\nChannel 0: If you swing through past there, you'll\n\nChannel 1: Yep.\n\nChannel 0: start to see the about you section, assets and liabilities after that, which we've just got your admin lead position. We've got your home, cars, boat, caravan, and savings. And,\n\nChannel 1: Yep.\n\nChannel 0: again, just looking at the Netwealth super and the resolution life policy. Now the main one is, if you can go to page nine, you'll see strategy recommendations.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: So just a bit of a heads up, because they've got your policy anniversary on the sixteenth, we've\n\nChannel 1: Mhmm.\n\nChannel 0: already gotten the policy anniversary notice from the\n\nChannel 1: Yep.\n\nChannel 0: insurer. So I've factored that into this document just saying, in three days' time, this is what the cover amount was going to be. This is\n\nChannel 1: Yep.\n\nChannel 0: what the premium was going up to. And then with the reduction, they've already given us the pricing on what it's gonna look like to trim it down.\n\nChannel 1: Okay. Cool.\n\nChannel 0: K? So it's not the biggest thing in the world, but it's been pretty material.\n\nChannel 1: Yep.\n\nChannel 0: It goes from about 3,200 to 2,655. So it's a nice\n\nChannel 1: Yep.\n\nChannel 0: little chunk off there for that 170,000 trimmed down in resolution life.\n\nChannel 1: Yep.\n\nChannel 0: You'll see a pretty text heavy section in page ten and eleven for the best interest duty and the needs analysis, which is basically just saying how we arrived at the figures was to cover the mortgage, have that 500,000 left over, and, obviously, reduction in premiums is gonna benefit the super.\n\nChannel 1: Yep. Correct.\n\nChannel 0: K? Now if you go down, the projections have been updated on page 11. In the middle of the page, you should see, like, a five and ten year impact about trimming down the net premiums and having no cover at all. And it's a pretty solid sort of $7,000 difference over ten years\n\nChannel 1: Yes.\n\nChannel 0: just by, obviously, the compounding effect of having that money invested rather than going to the insurer.\n\nChannel 1: Yes. Okay.\n\nChannel 0: K? So that pretty much, like, concludes the advice document. The second half of it just goes over beneficiary nominations to make sure that we can have your partner listed on that\n\nChannel 1: Yep.\n\nChannel 0: life policy, make sure that's up to date.\n\nChannel 1: Mhmm.\n\nChannel 0: And then it just goes through the usual remuneration at the bottom, which is our fees as well as\n\nChannel 1: Yep.\n\nChannel 0: the premium percentage from the insurer. And how to implement that is pretty much I've included a reduction quote in this pack. So we basically just need the reduction quote and this advice document signed, and then\n\nChannel 1: Yep.\n\nChannel 0: we can pretty much submit that straight away. When you do\n\nChannel 1: Mhmm.\n\nChannel 0: a reduction, you don't have to go through applications and anything crazy like that.\n\nChannel 1: Yep. Yep. Fair enough.\n\nChannel 0: Cool.\n\nChannel 1: Okay. And so that will still, like obviously, I work a couple of years up my sleeve till I turn 60, but then is that when we we look sort of at where we go, or is that already kind of factored in here?\n\nChannel 0: A little bit of both. So\n\nChannel 1: Yep.\n\nChannel 0: this does a bit of a stretch out on the premiums and growth. But as your debts go down and as the years trim down, we will probably\n\nChannel 1: Yep.\n\nChannel 0: do a further reduction. But\n\nChannel 1: Okay.\n\nChannel 0: it's whether about do we do that on a yearly basis, or do we do that every three years?\n\nChannel 1: Yeah. Okay. Cool.\n\nChannel 0: K. So part of our reviews would just be saying, hey. This is where it's jumping up to. Is it appropriate to start trimming down more, And how close are we getting to that retirement goal?\n\nChannel 1: Yep. Yep. Cool. Alright.\n\nChannel 0: Alright. Any\n\nChannel 1: Sounds\n\nChannel 0: questions\n\nChannel 1: good.\n\nChannel 0: so far?\n\nChannel 1: Nope. All good.\n\nChannel 0: Amazing. The only other document there is when you skip through there, so you got the advice document has an authority to proceed from us. Then there's a resolution life quote, and then there's just an appendix with some background research. I did check a few other insurers to see if it was worth changing, but they didn't really come out as good, and there's\n\nChannel 1: Yep.\n\nChannel 0: no point doing a full new application for for little benefit.\n\nChannel 1: Yep. Fair enough.\n\nChannel 0: Cool.\n\nChannel 1: Alright. That all looks good. I'll go through and get all that signed. And just as an update too, Craig is still going to to, you know, meet with you guys. However, he just wants to wait till he's got financials done for this year so that then he's just in a better position.\n\nHe's also tidying up some of his, like, super looking into, you know, getting that figures and stuff ready to go. So once he's got his\n\nChannel 0: Yeah.\n\nChannel 1: finance, we'll probably look at doing that maybe, I don't know, September ish, end of August, something like that.\n\nChannel 0: Cool. So I'll just tell the team to just give you a buzz in a few\n\nChannel 1: Yeah.\n\nChannel 0: months' time to see how he's tracking.\n\nChannel 1: Yep. Perfect. Sounds good.\n\nChannel 0: Amazing. The only other thing is the beneficiary for Resolution Life. Are you okay for me to get the team to email that to print out, or would you prefer that just posted with a return envelope?\n\nChannel 1: Alright. Email is fine. I can print it and sign it. That's not a problem.\n\nChannel 0: Amazing. So we'll pretty much submit all this this week. We'll email\n\nChannel 1: Yep.\n\nChannel 0: you out that beneficiary form, and then we'll plug in for a bit of a catch up around September.\n\nChannel 1: Yep. Perfect. Sounds good.\n\nChannel 0: Amazing, Paul. Anything else I can do before I let you go?\n\nChannel 1: Just a question in general.\n\nChannel 0: Yeah.\n\nChannel 1: If we were to look at something later this year as a guarantor arrangement for one of our adult children who's\n\nChannel 0: Sure.\n\nChannel 1: looking at buying a house, is that something you guys because I know that part of it, if we go guarantor, is we need to get our own financial\n\nChannel 0: Right.\n\nChannel 1: consulting as part of the process, apparently. So is that something you guys can help us with, or is that outside of the scope of what you're offering?\n\nChannel 0: A bit of both. So we'll always\n\nChannel 1: Yeah.\n\nChannel 0: be there to talk you through pros and cons and things like that. If there's any official letters or emails that need to be constructed, we may need to swing in a\n\nChannel 1: Yep.\n\nChannel 0: broker of some kind. Do\n\nChannel 1: Yep.\n\nChannel 0: you have one of your own that you guys use? What would be your preference?\n\nChannel 1: Probably not. No. I don't really wanna use them again. So no. Not at the moment, but we yeah.\n\nWe're really it's all just sort of stuff. They're just looking into it now. So\n\nChannel 0: Yeah.\n\nChannel 1: we're just trying to work out what's the best option for them going forward given that we've got, you know, a lot of equity in the property. So I was thinking it might be a way of giving them a helping hand.\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: But, yeah, we're just sort of going through all the process at the moment, but I just wasn't sure. I know that it just said that you had to get independent financial advice for us,\n\nChannel 0: Yep.\n\nChannel 1: not with them. And I just thought, is that something you guys can help with, which sounds like it is? So awesome. Once I know more, I will let you know. It'll probably maybe about next September catch up.\n\nI'll have no I'll put more info then too.\n\nChannel 0: Yeah. Absolutely. So what'll basically happen is when you call through, I'll have a flag on your account just to get you on to any kind of brokers that you might need. And then in terms of advice, they just wanna make sure that when people go and guarantor that they're\n\nChannel 1: Yep.\n\nChannel 0: considering their financial position and their own goals rather\n\nChannel 1: Yeah.\n\nChannel 0: than just doing it for the other person.\n\nChannel 1: Yeah. Exactly. Cool. Sounds\n\nChannel 0: Cool.\n\nChannel 1: good.\n\nChannel 0: Alrighty, Paulie. Thank you so much for\n\nChannel 1: Alright. No.\n\nChannel 0: touching\n\nChannel 1: That's\n\nChannel 0: back with\n\nChannel 1: alright.\n\nChannel 0: me before lunch.\n\nChannel 1: No. And that's okay. I actually did send a a message back to the email just to say that I couldn't make that original time. And as soon as I saw you come up, I thought, okay. Because they hadn't responded to that.\n\nI wasn't surprised when you the thing came up during that meeting. I was like, okay. So, yeah, thank you for making\n\nChannel 0: Apologies\n\nChannel 1: the time.\n\nChannel 0: for\n\nChannel 1: That\n\nChannel 0: that.\n\nChannel 1: is good. No. No. I'm good. That's fine.\n\nAbsolutely. Normally, as I said, I work from home, so it's not such a big deal other than Thursdays when I'm actually in the city. But yeah.\n\nChannel 0: Yeah.\n\nChannel 1: All good. We're done now. And I'll get that\n\nChannel 0: Awesome,\n\nChannel 1: through\n\nChannel 0: Paula.\n\nChannel 1: and we sorted. Terrific.\n\nChannel 0: Easy done.\n\nChannel 1: Okay.\n\nChannel 0: And then if I don't hear from you, I will speak to you in a couple of months.\n\nChannel 1: Alright. No problem. Okay. Great. Thanks, Tommy.\n\nHave a good day.\n\nChannel 0: You too. Thank you so much.\n\nChannel 1: Talk\n\nChannel 0: Bye.\n\nChannel 1: soon. Bye.","paragraphs":[{"sentences":[{"text":"Record your name and reason for calling.","start":0.24,"end":2.1599998,"sentiment":"neutral","sentiment_score":-0.0006748788457896028},{"text":"I'll see if this person is available.","start":2.1599998,"end":4.02,"sentiment":"neutral","sentiment_score":0.007971982272075755}],"sentiment":"neutral","sentiment_score":0.003648551713143076,"channel":1,"num_words":14,"start":0.24,"end":4.02},{"sentences":[{"text":"Tommy, Oakview Financial.","start":5.2799997,"end":6.8199997,"sentiment":"neutral","sentiment_score":0.032335108146071434}],"sentiment":"neutral","sentiment_score":0.032335108146071434,"channel":0,"num_words":3,"start":5.2799997,"end":6.8199997},{"sentences":[{"text":"Thanks.","start":11.599999,"end":12.099999,"sentiment":"positive","sentiment_score":0.4267547130584717},{"text":"Please stay on the line.","start":12.24,"end":13.54,"sentiment":"neutral","sentiment_score":0.2533448994159698},{"text":"Hey, Tommy.","start":16.744999,"end":17.385,"sentiment":"neutral","sentiment_score":0.2131560891866684},{"text":"How are you going?","start":17.385,"end":18.125,"sentiment":"neutral","sentiment_score":0.2711068168282509}],"sentiment":"neutral","sentiment_score":0.26701822131872177,"channel":1,"num_words":12,"start":11.599999,"end":18.125},{"sentences":[{"text":"I'm doing fantastic, Paula.","start":18.255001,"end":19.695,"sentiment":"positive","sentiment_score":0.7378100901842117},{"text":"Have I caught you to lunchtime, mate?","start":19.695,"end":21.395,"sentiment":"neutral","sentiment_score":0.19964838027954102}],"sentiment":"positive","sentiment_score":0.3953435475176031,"channel":0,"num_words":11,"start":18.255001,"end":21.395},{"sentences":[{"text":"Not quite, but that's alright.","start":21.705,"end":23.145,"sentiment":"neutral","sentiment_score":0.07874127216637135},{"text":"I'm just working from home, so I can take my lunch whenever.","start":23.145,"end":26.205,"sentiment":"neutral","sentiment_score":0.3095705062150955},{"text":"So all good.","start":26.265,"end":27.404999,"sentiment":"positive","sentiment_score":0.5940901637077332}],"sentiment":"neutral","sentiment_score":0.2945411463268101,"channel":1,"num_words":20,"start":21.705,"end":27.404999},{"sentences":[{"text":"Amazing.","start":27.79,"end":28.27,"sentiment":"positive","sentiment_score":0.7280706167221069}],"sentiment":"positive","sentiment_score":0.7280706167221069,"channel":0,"num_words":1,"start":27.79,"end":28.27},{"sentences":[{"text":"I'm still","start":27.945,"end":28.345,"sentiment":"positive","sentiment_score":0.5995529592037201}],"sentiment":"positive","sentiment_score":0.5995529592037201,"channel":1,"num_words":2,"start":27.945,"end":28.345},{"sentences":[{"text":"Love","start":28.27,"end":28.59,"sentiment":"positive","sentiment_score":0.643836498260498}],"sentiment":"positive","sentiment_score":0.643836498260498,"channel":0,"num_words":1,"start":28.27,"end":28.59},{"sentences":[{"text":"halfway","start":28.345,"end":28.744999,"sentiment":"positive","sentiment_score":0.7381712198257446}],"sentiment":"positive","sentiment_score":0.7381712198257446,"channel":1,"num_words":1,"start":28.345,"end":28.744999},{"sentences":[{"text":"that","start":28.59,"end":28.83,"sentiment":"positive","sentiment_score":0.6546173691749573}],"sentiment":"positive","sentiment_score":0.6546173691749573,"channel":0,"num_words":1,"start":28.59,"end":28.83},{"sentences":[{"text":"through","start":28.744999,"end":28.985,"sentiment":"positive","sentiment_score":0.6065016984939575}],"sentiment":"positive","sentiment_score":0.6065016984939575,"channel":1,"num_words":1,"start":28.744999,"end":28.985},{"sentences":[{"text":"flexibility.","start":28.83,"end":29.33,"sentiment":"positive","sentiment_score":0.5847972631454468}],"sentiment":"positive","sentiment_score":0.5847972631454468,"channel":0,"num_words":1,"start":28.83,"end":29.33},{"sentences":[{"text":"my coffee.","start":28.985,"end":29.645,"sentiment":"neutral","sentiment_score":0.19432677328586578}],"sentiment":"neutral","sentiment_score":0.19432677328586578,"channel":1,"num_words":2,"start":28.985,"end":29.645},{"sentences":[{"text":"Oh, fantastic.","start":30.27,"end":31.33,"sentiment":"neutral","sentiment_score":0.3257334232330322},{"text":"I'm about to go on coffee number two, but I thought I'd give you a buzz first, and then I'll run off","start":31.470001,"end":35.07,"sentiment":"neutral","sentiment_score":0.11227056553417986}],"sentiment":"neutral","sentiment_score":0.13005913700908422,"channel":0,"num_words":24,"start":30.27,"end":35.07},{"sentences":[{"text":"Sure.","start":35.03,"end":35.53,"sentiment":"neutral","sentiment_score":0.09791208803653716}],"sentiment":"neutral","sentiment_score":0.09791208803653716,"channel":1,"num_words":1,"start":35.03,"end":35.53},{"sentences":[{"text":"and do that.","start":35.07,"end":35.89,"sentiment":"neutral","sentiment_score":0.10175214459498723}],"sentiment":"neutral","sentiment_score":0.10175214459498723,"channel":0,"num_words":3,"start":35.07,"end":35.89},{"sentences":[{"text":"No prob.","start":36.15,"end":36.79,"sentiment":"neutral","sentiment_score":0.18376807123422623},{"text":"Just go for it.","start":36.79,"end":37.85,"sentiment":"neutral","sentiment_score":0.3270021602511406}],"sentiment":"neutral","sentiment_score":0.27925746391216916,"channel":1,"num_words":6,"start":36.15,"end":37.85},{"sentences":[{"text":"Awesome.","start":37.875,"end":38.355,"sentiment":"positive","sentiment_score":0.49291276931762695},{"text":"So I've sent you an email just with that updated plan","start":38.355,"end":41.155003,"sentiment":"neutral","sentiment_score":0.20589278909293088}],"sentiment":"neutral","sentiment_score":0.22981112077832222,"channel":0,"num_words":12,"start":37.875,"end":41.155003},{"sentences":[{"text":"Yep.","start":40.95,"end":41.45,"sentiment":"neutral","sentiment_score":0.12665262818336487}],"sentiment":"neutral","sentiment_score":0.12665262818336487,"channel":1,"num_words":1,"start":40.95,"end":41.45},{"sentences":[{"text":"and quotes.","start":41.155003,"end":41.815002,"sentiment":"neutral","sentiment_score":0.11878908425569534},{"text":"Just while you're bringing that up, do you mind if I just check your quick security with you?","start":42.515,"end":46.695,"sentiment":"neutral","sentiment_score":0.04296118952333927}],"sentiment":"neutral","sentiment_score":0.05054397899657488,"channel":0,"num_words":20,"start":41.155003,"end":46.695},{"sentences":[{"text":"Sure.","start":46.684998,"end":47.184998,"sentiment":"neutral","sentiment_score":0.08753234893083572}],"sentiment":"neutral","sentiment_score":0.08753234893083572,"channel":1,"num_words":1,"start":46.684998,"end":47.184998},{"sentences":[{"text":"Amazing.","start":47.795002,"end":48.295002,"sentiment":"neutral","sentiment_score":0.1516086459159851},{"text":"Just need date of birth and address, please.","start":48.675003,"end":50.695,"sentiment":"neutral","sentiment_score":0.06655478151515126}],"sentiment":"neutral","sentiment_score":0.07600521089302169,"channel":0,"num_words":9,"start":47.795002,"end":50.695},{"sentences":[{"text":"Tenth of the tenth nineteen sixty eight, and the address is Number 7 Burke Street, Montmorency, Victoria 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financial company representative discusses a updated plan with customer Paula that will reduce premiums and save money on insurance. The plan is focused on reducing premiums and provides guidance on how to proceed. beneficiary nominations and fees are discussed, along with a review process and retirement goals. The team will email a beneficiary and discuss a potential future agreement. The conversation ends with pleasantries."},"intents":{"segments":[{"text":"Record your name and reason for calling. I'll see if this person is available. Tommy, Oakview Financial.","start_word":1,"end_word":17,"intents":[{"intent":"Record call","confidence_score":0.2067968},{"intent":"Provide information","confidence_score":0.015842976}]},{"text":"Have I caught you to lunchtime, mate? Not quite, but that's alright. I'm just working from home, so I can take my lunch whenever. So all good.","start_word":33,"end_word":59,"intents":[{"intent":"Catch lunchtime","confidence_score":0.0009247731}]},{"text":"So I've sent you an email just with that updated plan Yep. and quotes.","start_word":105,"end_word":118,"intents":[{"intent":"Provide update","confidence_score":0.090890914}]},{"text":"Just while you're bringing that up, do you mind if I just check your quick security with you? Sure. Amazing.","start_word":119,"end_word":138,"intents":[{"intent":"Check security","confidence_score":0.6546744}]},{"text":"So the purpose of this updated plan is basically just to capture our updated discussion, what the figures are gonna look like, and just Mhmm. a bit of an updated projection on how that impacts the super.","start_word":270,"end_word":306,"intents":[{"intent":"Provide projection","confidence_score":0.19821376}]},{"text":"So the purpose of this updated plan is basically just to capture our updated discussion, what the figures are gonna look like, and just Mhmm. a bit of an updated projection on how that impacts the super. So if I'm you here scroll to help through us. for Sorry.","start_word":270,"end_word":318,"intents":[{"intent":"Capture discussion","confidence_score":0.26830086}]},{"text":"So if I'm you here scroll to help through us. for Sorry.","start_word":307,"end_word":318,"intents":[{"intent":"Scroll call","confidence_score":0.000007958349}]},{"text":"main focus is just grab down the insurances a little bit to that kind of 700,000 mark, save a bit on premiums. We've included just the usual reminder about estate planning in terms of beneficiaries and wills and everything. Mhmm. Yep.","start_word":348,"end_word":388,"intents":[{"intent":"Highlight insurance coverage","confidence_score":0.06271391}]},{"text":"we can pretty much submit that straight away. When you do Mhmm.","start_word":960,"end_word":971,"intents":[{"intent":"Submit discount estimate","confidence_score":0.00000748775}]},{"text":"So part of our reviews would just be saying, hey. This is where it's jumping up to. Is it appropriate to start trimming down more, And how close are we getting to that retirement goal? Yep.","start_word":1100,"end_word":1135,"intents":[{"intent":"Discuss retirement goals","confidence_score":0.15017822}]},{"text":"If we were to look at something later this year as a guarantor arrangement for one of our adult children who's Sure. looking at buying a house, is that something you guys because I know that part of it, if we go guarantor, is we need to get our own financial Right.","start_word":1464,"end_word":1515,"intents":[{"intent":"Discuss options","confidence_score":0.001646792}]},{"text":"So what'll basically happen is when you call through, I'll have a flag on your account just to get you on to any kind of brokers that you might need. And then in terms of advice, they just wanna make sure that when people go and guarantor that they're Yep. considering their financial position and their own goals rather Yeah. than just doing it for the other person. Yeah.","start_word":1771,"end_word":1839,"intents":[{"intent":"Discuss options with brokers","confidence_score":0.00095030974},{"intent":"Inquire about broker recommendations","confidence_score":0.000015776714}]},{"text":"I actually did send a a message back to the email just to say that I couldn't make that original time. And as soon as I saw you come up, I thought, okay. Because they hadn't responded to that. I wasn't surprised when you the thing came up during that meeting. I was like, okay. So, yeah, thank you for making Apologies the time. for That that. is good.","start_word":1866,"end_word":1934,"intents":[{"intent":"Confirm understanding of email","confidence_score":0.000071880684}]}]},"sentiments":{"segments":[{"text":"Record your name and reason for calling. I'll see if this person is available. Tommy, Oakview Financial.","start_word":0,"end_word":16,"sentiment":"neutral","sentiment_score":0.01120596844702959},{"text":"Thanks.","start_word":17,"end_word":17,"sentiment":"positive","sentiment_score":0.4267547130584717},{"text":"Please stay on the line. Hey, Tommy. How are you going?","start_word":18,"end_word":28,"sentiment":"neutral","sentiment_score":0.25515952706336975},{"text":"I'm doing fantastic, Paula.","start_word":29,"end_word":32,"sentiment":"positive","sentiment_score":0.7267960906028748},{"text":"Have I caught you to lunchtime, mate? Not quite, but that's alright. I'm just working from home, so I can take my lunch whenever.","start_word":33,"end_word":56,"sentiment":"neutral","sentiment_score":0.21810178458690643},{"text":"So all good. Amazing. I'm still Love halfway that through flexibility.","start_word":57,"end_word":67,"sentiment":"positive","sentiment_score":0.6283751130104065},{"text":"my coffee. Oh, fantastic. I'm about to go on coffee number two, but I thought I'd give you a buzz first, and then I'll run off Sure. and do that. No prob. Just go for it.","start_word":68,"end_word":103,"sentiment":"neutral","sentiment_score":0.1573016345500946},{"text":"Awesome.","start_word":104,"end_word":104,"sentiment":"positive","sentiment_score":0.49291276931762695},{"text":"So I've sent you an email just with that updated plan Yep. and quotes. Just while you're bringing that up, do you mind if I just check your quick security with you? Sure. Amazing. Just need date of birth and address, please. Tenth of the tenth nineteen sixty eight, and the address is Number 7 Burke Street, Montmorency, Victoria 3094. Sensational. And are you okay for the call to be recorded? Yep. That is fine. Perfect. So that should come through pretty quickly, but it's basically a sole focus around that reduction quote of the insurances that we were talking about, if that rings a bell. Yep. Toast. So so what I've done in here, when you grab up that plan, there'll be a little purple sign button, which just brings up the documents to scroll through with me. Yep. And just let me know when you can see that Gold Coast picture on the front. Yes. I've got it.","start_word":105,"end_word":264,"sentiment":"neutral","sentiment_score":0.08052650094032288},{"text":"Go for Perfect.","start_word":265,"end_word":267,"sentiment":"positive","sentiment_score":0.3350183963775635},{"text":"it. Perfect. So the purpose of this updated plan is basically just to capture our updated discussion, what the figures are gonna look like, and just Mhmm. a bit of an updated projection on how that impacts the super. So if I'm you here scroll to help through us. for Sorry. me, page three, four, and five has, like, a scope of advice. This is what we're focusing on for this particular document.","start_word":268,"end_word":340,"sentiment":"neutral","sentiment_score":0.02768807717892405},{"text":"Yep. Cool. So, Cool again, for it.","start_word":341,"end_word":347,"sentiment":"positive","sentiment_score":0.4200446307659149},{"text":"main focus is just grab down the insurances a little bit to that kind of 700,000 mark, save a bit on premiums. We've included just the usual reminder about estate planning in terms of beneficiaries and wills and everything. Mhmm. Yep. And then we've just put a limited scope in there for the super just to show the impact that's gonna have. Again, we weren't doing any major changes to the super because we've already had that update in the investment, which is doing really well. And as far as what's not being covered in this document is budgeting and debt management. So we're not gonna obviously give you advice on your renovations. You're obviously handling that yourself. Yep. Yep. Getting there.","start_word":348,"end_word":469,"sentiment":"neutral","sentiment_score":0.046930357813835144},{"text":"It's very progressing really quickly this week. I'm excited. Fantastic.","start_word":470,"end_word":479,"sentiment":"positive","sentiment_score":0.6662973761558533},{"text":"I was just there on the weekends laying down some planks to build a deck there, and it There you when go. They're it laying when it rains, he's like it pours. Craig was laying flooring till about 11:30 last night, so Yep. it's starting to move.","start_word":480,"end_word":526,"sentiment":"neutral","sentiment_score":0.2166011929512024},{"text":"All the fun stuff.","start_word":527,"end_word":530,"sentiment":"positive","sentiment_score":0.4767325520515442},{"text":"All the fun Yes. stuff. Exactly. If you swing through past there, you'll Yep. start to see the about you section, assets and liabilities after that, which we've just got your admin lead position. We've got your home, cars, boat, caravan, and savings. And, Yep. again, just looking at the Netwealth super and the resolution life policy. Now the main one is, if you can go to page nine, you'll see strategy recommendations. Mhmm. Yep. So just a bit of a heads up, because they've got your policy anniversary on the sixteenth, we've Mhmm. already gotten the policy anniversary notice from the Yep. insurer. So I've factored that into this document just saying, in three days' time, this is what the cover amount was going to be. This is Yep. what the premium was going up to. And then with the reduction, they've already given us the pricing on what it's gonna look like to trim it down. Okay. Cool. K? So it's not the biggest thing in the world, but it's been pretty material.","start_word":531,"end_word":705,"sentiment":"neutral","sentiment_score":0.08896357238292694},{"text":"Yep. It goes from about 3,200 to 2,655. So it's a nice Yep. little chunk off there for that 170,000 trimmed down in resolution life. Yep.","start_word":706,"end_word":731,"sentiment":"positive","sentiment_score":0.4502368867397308},{"text":"You'll see a pretty text heavy section in page ten and eleven for the best interest duty and the needs analysis, which is basically just saying how we arrived at the figures was to cover the mortgage, have that 500,000 left over, and, obviously, reduction in premiums is gonna benefit the super. Yep. Correct. K? Now if you go down, the projections have been updated on page 11. In the middle of the page, you should see, like, a five and ten year impact about trimming down the net premiums and having no cover at all. And it's a pretty solid sort of $7,000 difference over ten years Yes. just by, obviously, the compounding effect of having that money invested rather than going to the insurer. Yes. Okay. K? So that pretty much, like, concludes the advice document. The second half of it just goes over beneficiary nominations to make sure that we can have your partner listed on that Yep. life policy, make sure that's up to date. Mhmm. And then it just goes through the usual remuneration at the bottom, which is our fees as well as Yep. the premium percentage from the insurer. And how to implement that is pretty much I've included a reduction quote in this pack. So we basically just need the reduction quote and this advice document signed, and then Yep. we can pretty much submit that straight away. When you do Mhmm. a reduction, you don't have to go through applications and anything crazy like that. Yep. Yep.","start_word":732,"end_word":987,"sentiment":"neutral","sentiment_score":0.212472002254799},{"text":"Fair enough. Cool.","start_word":988,"end_word":990,"sentiment":"positive","sentiment_score":0.4268312454223633},{"text":"Okay. And so that will still, like obviously, I work a couple of years up my sleeve till I turn 60, but then is that when we we look sort of at where we go, or is that already kind of factored in here? A little bit of both. So Yep. this does a bit of a stretch out on the premiums and growth. But as your debts go down and as the years trim down, we will probably Yep. do a further reduction. But Okay. it's whether about do we do that on a yearly basis, or do we do that every three years? Yeah. Okay. Cool. K. So part of our reviews would just be saying, hey. This is where it's jumping up to. Is it appropriate to start trimming down more, And how close are we getting to that retirement goal? Yep. Yep. Cool. Alright. Alright. Any Sounds questions good. so far? Nope.","start_word":991,"end_word":1146,"sentiment":"neutral","sentiment_score":0.07121513038873672},{"text":"All good. Amazing.","start_word":1147,"end_word":1149,"sentiment":"positive","sentiment_score":0.4477023184299469},{"text":"The only other document there is when you skip through there, so you got the advice document has an authority to proceed from us. Then there's a resolution life quote, and then there's just an appendix with some background research. I did check a few other insurers to see if it was worth changing, but they didn't really come out as good, and there's Yep. no point doing a full new application for for little benefit. Yep. Fair enough. Cool.","start_word":1150,"end_word":1229,"sentiment":"neutral","sentiment_score":-0.05533129721879959},{"text":"Alright. That all looks good.","start_word":1230,"end_word":1234,"sentiment":"positive","sentiment_score":0.5141202211380005},{"text":"I'll go through and get all that signed. And just as an update too, Craig is still going to to, you know, meet with you guys. However, he just wants to wait till he's got financials done for this year so that then he's just in a better position. He's also tidying up some of his, like, super looking into, you know, getting that figures and stuff ready to go. So once he's got his Yeah. finance, we'll probably look at doing that maybe, I don't know, September ish, end of August, something like that.","start_word":1235,"end_word":1329,"sentiment":"neutral","sentiment_score":0.1833561785519123},{"text":"Cool.","start_word":1330,"end_word":1330,"sentiment":"positive","sentiment_score":0.40140920877456665},{"text":"So I'll just tell the team to just give you a buzz in a few Yeah. months' time to see how he's tracking. Yep.","start_word":1331,"end_word":1354,"sentiment":"neutral","sentiment_score":0.111288920044899},{"text":"Perfect. Sounds good. Amazing.","start_word":1355,"end_word":1358,"sentiment":"positive","sentiment_score":0.705582320690155},{"text":"The only other thing is the beneficiary for Resolution Life. Are you okay for me to get the team to email that to print out, or would you prefer that just posted with a return envelope? Alright. Email is fine. I can print it and sign it.","start_word":1359,"end_word":1405,"sentiment":"neutral","sentiment_score":0.14479121565818787},{"text":"That's not a problem. Amazing. So we'll pretty much submit all this this week.","start_word":1406,"end_word":1419,"sentiment":"positive","sentiment_score":0.4730719029903412},{"text":"We'll email Yep. you out that beneficiary form, and then we'll plug in for a bit of a catch up around September. Yep.","start_word":1420,"end_word":1442,"sentiment":"neutral","sentiment_score":0.24669942259788513},{"text":"Perfect. Sounds good. Amazing, Paul.","start_word":1443,"end_word":1447,"sentiment":"positive","sentiment_score":0.5704323649406433},{"text":"Anything else I can do before I let you go? Just a question in general. Yeah. If we were to look at something later this year as a guarantor arrangement for one of our adult children who's Sure. looking at buying a house, is that something you guys because I know that part of it, if we go guarantor, is we need to get our own financial Right. consulting as part of the process, apparently. So is that something you guys can help us with, or is that outside of the scope of what you're offering? A bit of both. So we'll always Yeah. be there to talk you through pros and cons and things like that. If there's any official letters or emails that need to be constructed, we may need to swing in a Yep. broker of some kind. Do Yep. you have one of your own that you guys use? What would be your preference? Probably not.","start_word":1448,"end_word":1607,"sentiment":"neutral","sentiment_score":-0.02418471872806549},{"text":"No.","start_word":1608,"end_word":1608,"sentiment":"negative","sentiment_score":-0.3734472990036011},{"text":"I don't really wanna use them again. So no. Not at the moment, but we yeah. We're really it's all just sort of stuff. They're just looking into it now. So Yeah. we're just trying to work out what's the best option for them going forward given that we've got, you know, a lot of equity in the property. So I was thinking it might be a way of giving them a helping hand. Yeah. Absolutely. But, yeah, we're just sort of going through all the process at the moment, but I just wasn't sure. I know that it just said that you had to get independent financial advice for us, Yep. not with them. And I just thought, is that something you guys can help with, which sounds like it is?","start_word":1609,"end_word":1740,"sentiment":"neutral","sentiment_score":0.04696003008972515},{"text":"So awesome.","start_word":1741,"end_word":1742,"sentiment":"positive","sentiment_score":0.634445309638977},{"text":"Once I know more, I will let you know. It'll probably maybe about next September catch up. I'll have no I'll put more info then too. Yeah. Absolutely. So what'll basically happen is when you call through, I'll have a flag on your account just to get you on to any kind of brokers that you might need. And then in terms of advice, they just wanna make sure that when people go and guarantor that they're Yep. considering their financial position and their own goals rather Yeah. than just doing it for the other person. Yeah. Exactly.","start_word":1743,"end_word":1840,"sentiment":"neutral","sentiment_score":0.10375604778528214},{"text":"Cool. Sounds Cool. good.","start_word":1841,"end_word":1844,"sentiment":"positive","sentiment_score":0.43579331040382385},{"text":"Alrighty, Paulie.","start_word":1845,"end_word":1846,"sentiment":"neutral","sentiment_score":0.2400805652141571},{"text":"Thank you so much for Alright.","start_word":1847,"end_word":1852,"sentiment":"positive","sentiment_score":0.36213576793670654},{"text":"No. touching That's back with alright. me before lunch. No. And that's okay. I actually did send a a message back to the email just to say that I couldn't make that original time. And as soon as I saw you come up, I thought, okay. Because they hadn't responded to that. I wasn't surprised when you the thing came up during that meeting. I was like, okay. So, yeah, thank you for making Apologies the time. for That that. is good. No. No. I'm good. That's fine. Absolutely. Normally, as I said, I work from home, so it's not such a big deal other than Thursdays when I'm actually in the city. But yeah. Yeah. All good. We're done now.","start_word":1853,"end_word":1973,"sentiment":"neutral","sentiment_score":0.0011062338016927242},{"text":"And I'll get that Awesome, through Paula. and we sorted. Terrific. Easy done.","start_word":1974,"end_word":1986,"sentiment":"positive","sentiment_score":0.5856086015701294},{"text":"Okay. And then if I don't hear from you, I will speak to you in a couple of months. Alright. No problem.","start_word":1987,"end_word":2008,"sentiment":"neutral","sentiment_score":0.05993737652897835},{"text":"Okay. Great. Thanks, Tommy. Have a good day. You too. Thank you so much.","start_word":2009,"end_word":2022,"sentiment":"positive","sentiment_score":0.7070909142494202},{"text":"Talk Bye. soon. Bye.","start_word":2023,"end_word":2026,"sentiment":"neutral","sentiment_score":0.20861391723155975}],"average":{"sentiment":"neutral","sentiment_score":0.12542852699944254}}}}