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Happy Friday to you. Hey. Hey. Thank you so much for calling back in. I really do appreciate it. No. You're more than fine. I have this updated plan to send through to you. Will you be able to look on to the email with me today? Cool. So I'll pop it through to your Yahoo email address, and I'll just let you know what's kind of coming through. So with these updated plans, there's quite a few of extra attachments here, but I just wanna go through that advice document in quotes with you. There is some updated service guides and just some product documents from the super and insurance providers. It should come through as a sign request from oath you statement of advice. And if you can grab that, we just wanna go inside the button there to look at the first document together. Yep. You should see, like, a Gold Coast beachfront city picture on the front of the first document. Perfect. Now I'm not sure if you're on a computer or phone, but can you make out the text? Is it blurry at all? Perfect. If you could swing down a few pages to pages three and four for me, it has, like, a scope of advice here. So as a bit of a recap for what we're doing, this document contains advice regarding the superannuation and the insurances. We were doing a little bit of a touch up on the portfolio in Hub, just trying to remove some of those underperforming options. And I did some quotes for increasing the income protection, if you recall, from your promotion. Perfect. Now we did do a a range of quotes because we were kind of moving to I think we settled on about 5,500 a month would be kind of a reasonable amount, but we did quote on the maximum just so you've got that information there. A little bit of a win as well is I have found another provider who was offering more cover for a cheaper price. So I have recommended somebody else, but I have included the, like, Clearview alteration as an alternative in case of a bit of a backup plan. Now if you keep going down, so estate planning wise, there's just a few reminders in there just to make sure that everything's in line to wills and powers of attorney. And you've already got beneficiary nominations in place. That's all good. And just past there, you'll see on pages sort of five and six, what's not included is more just your personal financial goals. So in the future, you were gonna buy some land when your son turns 18 and just doing some rentals. Perfect. If you swing down past there, you'll see the limited advice warning. Again, we're not covering everything. And if the information is not correct, it may impact the advice. We've got the about you section. I'm assuming not too many changes here, but we've got phone, email, income, occupation, and then assets and liabilities on the next page. Again, it's just the home savings, motorbike. Got the solar in there. Yep. Nice. That's looking good. And yep. Beautiful. If you swing past there so this is the first part I wanted to point out to you under your current risk protection portfolio, red heading. So you've got the life and TPD insurance for about 0.5 a mil, and you've got the income protection, which is sitting at 4,900 a month, ninety days per year. Can you see the bottom underneath that table? The the premiums are currently about 3,000. So what I was able to find was that bumping up the income protection with Clearview would get us to about 3,400. So about a 10% increase. Not too crazy, but I did find one path would offer the cover for less 2,600 for the full income protection and the same amount of life and TPD. So we'll keep swinging through. I'll go through the super first, and then I'll kind of run through a few points on the insurances. We've got your risk profile. There is growth, so we're not changing your category, just the underlying investments. Cool. The first sort of text heavy page on twelve and thirteen, you'll see strategy recommendation. So to kind of summarize this a little bit is we're not doing a full retirement projection for seventeen years because that's probably a bit too far to be accurate with. We have included the usual ten years for the time being. We've looked at some replacement options for a few options in your portfolio that are kind of lower fee asset options. So lower fees, better performance, and, again, not really changing your risk profile. If you go past there, you'll see a table on the next page with advantages and disadvantages. So the main things to be aware of is anytime we change investments within super, there is capital gains tax under the hood that we have to factor in. It only came out to be about $3.70 to update everything, and there's also a brokerage fee. Because Oku uses these low fee ETF, you gotta pay that 0.11% to purchase them. Once you've got them, they're the lowest fee investment you can have. Now if you swing down past there, there's some general warnings about the market. Obviously, we can't control the weather, but we can pick and choose the fund managers and investments and some alternatives we did consider. But the main table I wanted to show you is on page fifteen and sixteen. You should see fee comparison. K. Now if you can make out this table, it should say current, recommended, and different. I just wanna kind of bring you to that right hand column for the time being. So at the top right, I've got a minus three seventy one. That's that capital gains tax I was talking about. Underneath that, you've got a plus four thirty three. We've managed to chop the investment fees in half. So that'll save you more than the capital gains tax in the first year. And because they're percentage based, as your super grows, the fee savings will just widen. $327 is a net savings on the insurance premiums. That's with the new provider with the increased income protection. And then at the bottom, we're bringing your five year average up from 8.12 to 10.62. Again, benchmark for growth risk profile is about 9%. And if we can keep you above that ten, eleven, 12, you're above benchmark. So what that really equates to on the next page, we've got a bit of a projection here, and we're estimating about a $100,000 more in 10 time. That's including the fee savings, the performance, and the reduced insurance premium. Cool. Performance underneath that, I just wanted to show you basically the consistency across all time periods is one, three, five, and ten years. We're trying to keep it as close to double digits as possible in every time period. Cool. Now the last sort of digit heavy pages here, we've got a very colorful investment table on the next page. Now what this basically means can you see the second last column where it says target weight percentage? So this is what we're recommending, and everything that has a zero is getting replaced, and everything with a round number is either being rebalanced back to where it should be, or it's a new option, which is the four at the bottom. So what we're basically doing is the Bennelong option that you had that's going a couple of the options that have grown a little bit were also just kind of taking some profits from now, And the government was also phasing out a type of a term deposit or the bank hybrid. So that's coming in next year. So I've just recommended to switch that out early before that happens. Mhmm. We're still keeping gold and cybersecurity. They're fantastic satellite. We've still got your S and P five 100, which is like your American shares. And at the bottom, the very last option, beta shares Australia 200, that's your replacement for Phenolone, which is that kind of low fee index fund I was talking about. So rather than just switching two options out, I am recommending to pretty much update as much as possible, and it's not gonna cost that much in terms of tax. Now last thing here, if you swing over, there'll be a cash table on the next page. Just wanna go past that one through the pie chart on the following page. Now main thing to keep in mind here is because of the growth risk profile, we need to keep you between 80 to 90% in growth assets. That's that middle row in gray, growth total. Yep. So the risk profile says 80 is the target. You're sitting at about 82. When we rebalance everything, you'll be at about 85, but slightly higher in growth assets, but still within that 80 to 90 band. K? That's 3% increase in growth assets. That's not gonna, you know, increase your volatility. It's not gonna be more risky. Normally, that would be the case, but that bet along option was so volatile that just taking that out to reduce your volatility massively. That's pretty much it for the super side of things. So, again, it's a bit of an engine tune up on the portfolio. Keep it in line with those double digits, but do you have any questions for me? Alrighty. On the next page so here we've got the insurances. And what we're basically looking at is we want to try and go with a provider called OnePath. They they link in with Zurich. At the bottom of that table, they're offering the life TBD income protection with the 5,500 amount for 2,600 a year as opposed to 3,400. You get a 15¢ rebate off of that as well, so the total that comes out of the super is $22.24 and 31¢. And this also includes I believe you would still be on smokers' rates, I believe. Yep. So if at some point we got you, say, twelve months nicotine free, that would also drop to, like, 1,400 if we could take that off too. Now the main question for this is we're obviously put in place the new policy before we cancel the old one just to make sure there's no gap. And the previous new policy, I'm just having a look at the inception date, was April 2024. So the main question here is when we go through an application, they're gonna ask about occupation and health questions, and we'll have all the information from Clearview. But have you had any, like, diagnosis, medications, or health episodes between 2024 and now? That's good. I much prefer that because you can get all kinds of things popping up. So amazing. So if there's no issues health wise, I think we should go for the replacement provider and just get those premiums down. Cool. What else is there in the document? So it goes through and, again, apologies for the amount of text in here. As you scroll through, it just talks about how we arrived at these figures together. There's a needs analysis about covering the mortgage and popping up your income. We're not doing any trauma insurance out of pocket. It's just trying to fix up that income protection. So we've got premium impact table on page 24. Sorry. Just looking at the bottom of like, page numbers on the bottom of the pages. Yep. It should say outcomes in, like, the little gray bar and then a very small table underneath it where it says, like, premium, five year impact, and ten year impact. Yep. So current is the current premiums and and portfolio, brings you to about 382,000. With the saved premiums and the new portfolio, you're gonna go to four eighty four estimate. And it also just says, look. If you had no premiums whatsoever, you'd probably be clearing this over 500,000. So it just shows you the impact the premiums do have. Cool. Any questions on the insurance side of things? Cool. When we get that in place, because there'll be a not new life insurance policy, we will just have to put in place another beneficiary nomination for that one with the new provider. So that's basically pages 28 onwards. A few reminders about wills and powers of attorney, which I don't need to remind you why that is important. The other thing to bear in mind is just in terms of opioid remuneration. So any policy that we put in for, we still get paid, like, 66% of the first year's premium, whichever provider it is, and then 22% ongoing to kind of look after the policy, help you with any claims, and also provide you with claims advice if you do do an insurance claim. Okay? From here, if you're happy with everything, the rest of these attachments is essentially an appendix with some research, a one path quote that we need you to sign off on, and this statement of advice has an authority to sign at the bottom of the second last page. Alright. So this basically sign the statement of advice, and then it'll let you go next document to skip the appendix. It'll ask you to sign the quote, which, fortunately, is, like, nine pages long, so it's on the full page. And then everything else in that pack is pretty much skippable. Service guides, pub PDFs. Once you get to the very end and skip through all sort of nine documents, it'll have, like, a validate button for you. Yeah. It's a bit of fun light reading. I've done it quite a few times going through all of these bit by bit, and it can be quite a lot of pages. No. Correct. Now that spinning circle, when you hit validate, it may actually hang there for a good twenty seconds or so just because the amount of pages in there. While that's loading, so we do have ID on file that seems up to date expiring in 2028. So we'll certify that with the insurance application. And, basically, from there, I just need to work out with you when would be a good date and time to go through the insurance application with the team. Okay. It's always the way on a Friday. Oh, yeah. I closed about forty before this call because I had so many clients open. Yeah. Next Tuesday, we do have some yeah. Absolutely. We just need to get it in before no. That twenty minutes max. We'll prefill everything from the previous application, and then it which which is running through, can you confirm all of this? And if there's been no changes, no no no no no. It only takes longer if something does pop up and you have to go into more depth. So on a Tuesday, we're still on no daylight savings, which is great. Tasmania's still the oh, sorry. You're in Queensland too. We've got availability pretty much. Would morning or afternoon be better for you? Morning. Okay. We do have have a quick look at someone at there. Nine and 10:00 are okay. 09:00. Easy done. Gonna plug this into the calendar for the team. And that's pretty much it. I'll just run through that. Once the new policy is enforced, we'll cancel the old one, and I'll give you, like, a pro rata refund into the super account. Alrighty. Look. Thank you so much for for calling back in. Do you have any questions at this point? Easy done, Fiona. From here, we do have a bit of an annual review scheduled for around about May of next year, April, May. Is there anything you want me to put in for this side of Christmas? Anything you need before? Amazing. And I'll just double check. Yeah. Absolutely. Now I don't know if your Odoo sign is still doing a spinning circle of pain there. I haven't. No. It hasn't come through just yet. Okay. Why don't you click on it? Alright. I'll give that a minute. And yeah. Like, it's already done it, and now it's grayed out. Then maybe just quickly before I let you go, were you able to sign and date everything on that quote that on the fourth page? Yep. Right there. Perfect. So just signatures on statement of advice and quote. Nothing on the other one. May need a bit of a refresh, so might have to try again a little bit later. If you have any issues, just give us a buzz, give us a text or email, and I can get that reset as well. Awesome. Always seems to be on a Friday. Definitely the way. Afternoon on a Friday? Or get all recap how the week's gone and get some fresh plans for the next week ahead. So that's not too much of a problem. If it doesn't come through sort of the next half an hour or so, I'll do a bit of a resend. Yeah. If it doesn't work a second time, we can just switch to, like, Adobe sign or a different program altogether if we need to. Alright, Thank you so much for taking the time and battling through the IT with me today. Awesome. I'll let you go. Have a great weekend. Thanks. 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morning. This is Tom. Amazing. Pop her through when you're ready, mate. Thank you so much.\n\nGood morning, Fiona. You're through to Tommy. How are you doing? I'm living the dream. Happy Friday to you.\n\nHey. Hey. Thank you so much for calling back in. I really do appreciate it. No.\n\nYou're more than fine. I have this updated plan to send through to you. Will you be able to look on to the email with me today? Cool. So I'll pop it through to your Yahoo email address, and I'll just let you know what's kind of coming through.\n\nSo with these updated plans, there's quite a few of extra attachments here, but I just wanna go through that advice document in quotes with you. There is some updated service guides and just some product documents from the super and insurance providers. It should come through as a sign request from oath you statement of advice. And if you can grab that, we just wanna go inside the button there to look at the first document together. Yep.\n\nYou should see, like, a Gold Coast beachfront city picture on the front of the first document. Perfect. Now I'm not sure if you're on a computer or phone, but can you make out the text? Is it blurry at all? Perfect.\n\nIf you could swing down a few pages to pages three and four for me, it has, like, a scope of advice here. So as a bit of a recap for what we're doing, this document contains advice regarding the superannuation and the insurances. We were doing a little bit of a touch up on the portfolio in Hub, just trying to remove some of those underperforming options. And I did some quotes for increasing the income protection, if you recall, from your promotion. Perfect.\n\nNow we did do a a range of quotes because we were kind of moving to I think we settled on about 5,500 a month would be kind of a reasonable amount, but we did quote on the maximum just so you've got that information there. A little bit of a win as well is I have found another provider who was offering more cover for a cheaper price. So I have recommended somebody else, but I have included the, like, Clearview alteration as an alternative in case of a bit of a backup plan. Now if you keep going down, so estate planning wise, there's just a few reminders in there just to make sure that everything's in line to wills and powers of attorney. And you've already got beneficiary nominations in place.\n\nThat's all good. And just past there, you'll see on pages sort of five and six, what's not included is more just your personal financial goals. So in the future, you were gonna buy some land when your son turns 18 and just doing some rentals. Perfect. If you swing down past there, you'll see the limited advice warning.\n\nAgain, we're not covering everything. And if the information is not correct, it may impact the advice. We've got the about you section. I'm assuming not too many changes here, but we've got phone, email, income, occupation, and then assets and liabilities on the next page. Again, it's just the home savings, motorbike.\n\nGot the solar in there. Yep. Nice. That's looking good. And yep.\n\nBeautiful. If you swing past there so this is the first part I wanted to point out to you under your current risk protection portfolio, red heading. So you've got the life and TPD insurance for about 0.5 a mil, and you've got the income protection, which is sitting at 4,900 a month, ninety days per year. Can you see the bottom underneath that table? The the premiums are currently about 3,000.\n\nSo what I was able to find was that bumping up the income protection with Clearview would get us to about 3,400. So about a 10% increase. Not too crazy, but I did find one path would offer the cover for less 2,600 for the full income protection and the same amount of life and TPD. So we'll keep swinging through. I'll go through the super first, and then I'll kind of run through a few points on the insurances.\n\nWe've got your risk profile. There is growth, so we're not changing your category, just the underlying investments. Cool. The first sort of text heavy page on twelve and thirteen, you'll see strategy recommendation. So to kind of summarize this a little bit is we're not doing a full retirement projection for seventeen years because that's probably a bit too far to be accurate with.\n\nWe have included the usual ten years for the time being. We've looked at some replacement options for a few options in your portfolio that are kind of lower fee asset options. So lower fees, better performance, and, again, not really changing your risk profile. If you go past there, you'll see a table on the next page with advantages and disadvantages. So the main things to be aware of is anytime we change investments within super, there is capital gains tax under the hood that we have to factor in.\n\nIt only came out to be about $3.70 to update everything, and there's also a brokerage fee. Because Oku uses these low fee ETF, you gotta pay that 0.11% to purchase them. Once you've got them, they're the lowest fee investment you can have. Now if you swing down past there, there's some general warnings about the market. Obviously, we can't control the weather, but we can pick and choose the fund managers and investments and some alternatives we did consider.\n\nBut the main table I wanted to show you is on page fifteen and sixteen. You should see fee comparison. K. Now if you can make out this table, it should say current, recommended, and different. I just wanna kind of bring you to that right hand column for the time being.\n\nSo at the top right, I've got a minus three seventy one. That's that capital gains tax I was talking about. Underneath that, you've got a plus four thirty three. We've managed to chop the investment fees in half. So that'll save you more than the capital gains tax in the first year.\n\nAnd because they're percentage based, as your super grows, the fee savings will just widen. $327 is a net savings on the insurance premiums. That's with the new provider with the increased income protection. And then at the bottom, we're bringing your five year average up from 8.12 to 10.62. Again, benchmark for growth risk profile is about 9%.\n\nAnd if we can keep you above that ten, eleven, 12, you're above benchmark. So what that really equates to on the next page, we've got a bit of a projection here, and we're estimating about a $100,000 more in 10 time. That's including the fee savings, the performance, and the reduced insurance premium. Cool. Performance underneath that, I just wanted to show you basically the consistency across all time periods is one, three, five, and ten years.\n\nWe're trying to keep it as close to double digits as possible in every time period. Cool. Now the last sort of digit heavy pages here, we've got a very colorful investment table on the next page. Now what this basically means can you see the second last column where it says target weight percentage? So this is what we're recommending, and everything that has a zero is getting replaced, and everything with a round number is either being rebalanced back to where it should be, or it's a new option, which is the four at the bottom.\n\nSo what we're basically doing is the Bennelong option that you had that's going a couple of the options that have grown a little bit were also just kind of taking some profits from now, And the government was also phasing out a type of a term deposit or the bank hybrid. So that's coming in next year. So I've just recommended to switch that out early before that happens. Mhmm. We're still keeping gold and cybersecurity.\n\nThey're fantastic satellite. We've still got your S and P five 100, which is like your American shares. And at the bottom, the very last option, beta shares Australia 200, that's your replacement for Phenolone, which is that kind of low fee index fund I was talking about. So rather than just switching two options out, I am recommending to pretty much update as much as possible, and it's not gonna cost that much in terms of tax. Now last thing here, if you swing over, there'll be a cash table on the next page.\n\nJust wanna go past that one through the pie chart on the following page. Now main thing to keep in mind here is because of the growth risk profile, we need to keep you between 80 to 90% in growth assets. That's that middle row in gray, growth total. Yep. So the risk profile says 80 is the target.\n\nYou're sitting at about 82. When we rebalance everything, you'll be at about 85, but slightly higher in growth assets, but still within that 80 to 90 band. K? That's 3% increase in growth assets. That's not gonna, you know, increase your volatility.\n\nIt's not gonna be more risky. Normally, that would be the case, but that bet along option was so volatile that just taking that out to reduce your volatility massively. That's pretty much it for the super side of things. So, again, it's a bit of an engine tune up on the portfolio. Keep it in line with those double digits, but do you have any questions for me?\n\nAlrighty. On the next page so here we've got the insurances. And what we're basically looking at is we want to try and go with a provider called OnePath. They they link in with Zurich. At the bottom of that table, they're offering the life TBD income protection with the 5,500 amount for 2,600 a year as opposed to 3,400.\n\nYou get a 15¢ rebate off of that as well, so the total that comes out of the super is $22.24 and 31¢. And this also includes I believe you would still be on smokers' rates, I believe. Yep. So if at some point we got you, say, twelve months nicotine free, that would also drop to, like, 1,400 if we could take that off too. Now the main question for this is we're obviously put in place the new policy before we cancel the old one just to make sure there's no gap.\n\nAnd the previous new policy, I'm just having a look at the inception date, was April 2024. So the main question here is when we go through an application, they're gonna ask about occupation and health questions, and we'll have all the information from Clearview. But have you had any, like, diagnosis, medications, or health episodes between 2024 and now? That's good. I much prefer that because you can get all kinds of things popping up.\n\nSo amazing. So if there's no issues health wise, I think we should go for the replacement provider and just get those premiums down. Cool. What else is there in the document? So it goes through and, again, apologies for the amount of text in here.\n\nAs you scroll through, it just talks about how we arrived at these figures together. There's a needs analysis about covering the mortgage and popping up your income. We're not doing any trauma insurance out of pocket. It's just trying to fix up that income protection. So we've got premium impact table on page 24.\n\nSorry. Just looking at the bottom of like, page numbers on the bottom of the pages. Yep. It should say outcomes in, like, the little gray bar and then a very small table underneath it where it says, like, premium, five year impact, and ten year impact. Yep.\n\nSo current is the current premiums and and portfolio, brings you to about 382,000. With the saved premiums and the new portfolio, you're gonna go to four eighty four estimate. And it also just says, look. If you had no premiums whatsoever, you'd probably be clearing this over 500,000. So it just shows you the impact the premiums do have.\n\nCool. Any questions on the insurance side of things? Cool. When we get that in place, because there'll be a not new life insurance policy, we will just have to put in place another beneficiary nomination for that one with the new provider. So that's basically pages 28 onwards.\n\nA few reminders about wills and powers of attorney, which I don't need to remind you why that is important. The other thing to bear in mind is just in terms of opioid remuneration. So any policy that we put in for, we still get paid, like, 66% of the first year's premium, whichever provider it is, and then 22% ongoing to kind of look after the policy, help you with any claims, and also provide you with claims advice if you do do an insurance claim. Okay? From here, if you're happy with everything, the rest of these attachments is essentially an appendix with some research, a one path quote that we need you to sign off on, and this statement of advice has an authority to sign at the bottom of the second last page.\n\nAlright. So this basically sign the statement of advice, and then it'll let you go next document to skip the appendix. It'll ask you to sign the quote, which, fortunately, is, like, nine pages long, so it's on the full page. And then everything else in that pack is pretty much skippable. Service guides, pub PDFs.\n\nOnce you get to the very end and skip through all sort of nine documents, it'll have, like, a validate button for you. Yeah. It's a bit of fun light reading. I've done it quite a few times going through all of these bit by bit, and it can be quite a lot of pages. No.\n\nCorrect. Now that spinning circle, when you hit validate, it may actually hang there for a good twenty seconds or so just because the amount of pages in there. While that's loading, so we do have ID on file that seems up to date expiring in 2028. So we'll certify that with the insurance application. And, basically, from there, I just need to work out with you when would be a good date and time to go through the insurance application with the team.\n\nOkay. It's always the way on a Friday. Oh, yeah. I closed about forty before this call because I had so many clients open. Yeah.\n\nNext Tuesday, we do have some yeah. Absolutely. We just need to get it in before no. That twenty minutes max. We'll prefill everything from the previous application, and then it which which is running through, can you confirm all of this?\n\nAnd if there's been no changes, no no no no no. It only takes longer if something does pop up and you have to go into more depth. So on a Tuesday, we're still on no daylight savings, which is great. Tasmania's still the oh, sorry. You're in Queensland too.\n\nWe've got availability pretty much. Would morning or afternoon be better for you? Morning. Okay. We do have have a quick look at someone at there.\n\nNine and 10:00 are okay. 09:00. Easy done. Gonna plug this into the calendar for the team. And that's pretty much it.\n\nI'll just run through that. Once the new policy is enforced, we'll cancel the old one, and I'll give you, like, a pro rata refund into the super account. Alrighty. Look. Thank you so much for for calling back in.\n\nDo you have any questions at this point? Easy done, Fiona. From here, we do have a bit of an annual review scheduled for around about May of next year, April, May. Is there anything you want me to put in for this side of Christmas? Anything you need before?\n\nAmazing. And I'll just double check. Yeah. Absolutely. Now I don't know if your Odoo sign is still doing a spinning circle of pain there.\n\nI haven't. No. It hasn't come through just yet. Okay. Why don't you click on it?\n\nAlright. I'll give that a minute. And yeah. Like, it's already done it, and now it's grayed out. Then maybe just quickly before I let you go, were you able to sign and date everything on that quote that on the fourth page?\n\nYep. Right there. Perfect. So just signatures on statement of advice and quote. Nothing on the other one.\n\nMay need a bit of a refresh, so might have to try again a little bit later. If you have any issues, just give us a buzz, give us a text or email, and I can get that reset as well. Awesome. Always seems to be on a Friday. Definitely the way.\n\nAfternoon on a Friday? Or get all recap how the week's gone and get some fresh plans for the next week ahead. So that's not too much of a problem. If it doesn't come through sort of the next half an hour or so, I'll do a bit of a resend. Yeah.\n\nIf it doesn't work a second time, we can just switch to, like, Adobe sign or a different program altogether if we need to. Alright, Thank you so much for taking the time and battling through the IT with me today. Awesome. I'll let you go. Have a great weekend.\n\nThanks. Bye.","paragraphs":[{"sentences":[{"text":"Good morning.","start":1.76,"end":2.32,"sentiment":"neutral","sentiment_score":0.26485511660575867},{"text":"This is Tom.","start":2.32,"end":3.3,"sentiment":"neutral","sentiment_score":0.18588460981845856},{"text":"Amazing.","start":7.9199996,"end":8.42,"sentiment":"positive","sentiment_score":0.7598623037338257},{"text":"Pop her through when you're ready, mate.","start":8.559999,"end":9.76,"sentiment":"positive","sentiment_score":0.5206836674894605},{"text":"Thank you so much.","start":9.76,"end":10.82,"sentiment":"positive","sentiment_score":0.7146747559309006}],"sentiment":"positive","sentiment_score":0.49121829779709086,"num_words":17,"start":1.76,"end":10.82},{"sentences":[{"text":"Good morning, Fiona.","start":17.755,"end":18.795,"sentiment":"neutral","sentiment_score":0.2707994530598323},{"text":"You're through to Tommy.","start":18.795,"end":19.755,"sentiment":"neutral","sentiment_score":0.25969021394848824},{"text":"How are you doing?","start":19.755,"end":20.574999,"sentiment":"neutral","sentiment_score":0.23568833246827126},{"text":"I'm living the dream.","start":22.715,"end":23.675,"sentiment":"positive","sentiment_score":0.6330981403589249},{"text":"Happy Friday to you.","start":23.675,"end":24.974998,"sentiment":"positive","sentiment_score":0.5841329544782639}],"sentiment":"positive","sentiment_score":0.4033072065365942,"num_words":19,"start":17.755,"end":24.974998},{"sentences":[{"text":"Hey.","start":27.195,"end":27.39,"sentiment":"neutral","sentiment_score":0.2210964560508728},{"text":"Hey.","start":27.55,"end":27.71,"sentiment":"neutral","sentiment_score":0.26328355073928833},{"text":"Thank you so much for calling back in.","start":27.71,"end":29.15,"sentiment":"positive","sentiment_score":0.5720846801996231},{"text":"I really do appreciate it.","start":29.15,"end":30.529999,"sentiment":"positive","sentiment_score":0.5775872707366944},{"text":"No.","start":33.149998,"end":33.39,"sentiment":"neutral","sentiment_score":-0.08100588619709015}],"sentiment":"positive","sentiment_score":0.49174924474209547,"num_words":16,"start":27.195,"end":33.39},{"sentences":[{"text":"You're more than fine.","start":33.39,"end":34.61,"sentiment":"neutral","sentiment_score":-0.01587288547307253},{"text":"I have this updated plan to send through to you.","start":34.989998,"end":38.37,"sentiment":"neutral","sentiment_score":0.036779768951237204},{"text":"Will you be able to look on to the email with me today?","start":38.75,"end":41.115,"sentiment":"neutral","sentiment_score":0.03224857509709322},{"text":"Cool.","start":43.115,"end":43.435,"sentiment":"neutral","sentiment_score":0.1416810005903244},{"text":"So I'll pop it through to your Yahoo email address, and I'll just let you know what's kind of coming through.","start":43.435,"end":49.835003,"sentiment":"neutral","sentiment_score":0.11957986475456328}],"sentiment":"neutral","sentiment_score":0.06890603641466218,"num_words":49,"start":33.39,"end":49.835003},{"sentences":[{"text":"So with these updated plans, there's quite a few of extra attachments here, but I just wanna go through that advice document in quotes with you.","start":49.835003,"end":59.5,"sentiment":"neutral","sentiment_score":0.014052073650348645},{"text":"There is some updated service guides and just some product documents from the super and insurance providers.","start":59.64,"end":66.54,"sentiment":"neutral","sentiment_score":0.03507800487911},{"text":"It should come through as a sign request from oath you statement of advice.","start":70.885,"end":75.625,"sentiment":"neutral","sentiment_score":0.06340521653848034},{"text":"And if you can grab that, we just wanna go inside the button there to look at the first document together.","start":75.765,"end":83.225,"sentiment":"neutral","sentiment_score":0.030869233998514357},{"text":"Yep.","start":86.005,"end":86.46,"sentiment":"neutral","sentiment_score":0.04476441442966461}],"sentiment":"neutral","sentiment_score":0.03218191592140666,"num_words":79,"start":49.835003,"end":86.46},{"sentences":[{"text":"You should see, like, a Gold Coast beachfront city picture on the front of the first document.","start":86.46,"end":90.96,"sentiment":"neutral","sentiment_score":0.046306856633985746},{"text":"Perfect.","start":94.06,"end":94.46,"sentiment":"neutral","sentiment_score":0.1250166893005371},{"text":"Now I'm not sure if you're on a computer or phone, but can you make out the text?","start":94.46,"end":97.82,"sentiment":"neutral","sentiment_score":-0.027534422568149038},{"text":"Is it blurry at all?","start":97.82,"end":98.955,"sentiment":"neutral","sentiment_score":-0.09311459213495255},{"text":"Perfect.","start":103.275,"end":103.775,"sentiment":"neutral","sentiment_score":0.19187986850738523}],"sentiment":"neutral","sentiment_score":0.00340287032581511,"num_words":42,"start":86.46,"end":103.775},{"sentences":[{"text":"If you could swing down a few pages to pages three and four for me, it has, like, a scope of advice here.","start":103.915,"end":110.495,"sentiment":"neutral","sentiment_score":0.07876917946597804},{"text":"So as a bit of a recap for what we're doing, this document contains advice regarding the superannuation and the insurances.","start":112.955,"end":121.51,"sentiment":"neutral","sentiment_score":-0.0035617146973631214},{"text":"We were doing a little bit of a touch up on the portfolio in Hub, just trying to remove some of those underperforming options.","start":122.05,"end":129.27,"sentiment":"neutral","sentiment_score":-0.019439440065373976},{"text":"And I did some quotes for increasing the income protection, if you recall, from your promotion.","start":129.815,"end":136.235,"sentiment":"neutral","sentiment_score":0.0852931966073811},{"text":"Perfect.","start":139.17499,"end":139.67499,"sentiment":"positive","sentiment_score":0.6862186193466187}],"sentiment":"neutral","sentiment_score":0.03907362732433659,"num_words":85,"start":103.915,"end":139.67499},{"sentences":[{"text":"Now we did do a a range of quotes because we were kind of moving to I think we settled on about 5,500 a month would be kind of a reasonable amount, but we did quote on the maximum just so you've got that information there.","start":139.89499,"end":154.39,"sentiment":"neutral","sentiment_score":0.15182978967609612},{"text":"A little bit of a win as well is I have found another provider who was offering more cover for a cheaper price.","start":156.72499,"end":164.665,"sentiment":"positive","sentiment_score":0.39166580594104267},{"text":"So I have recommended somebody else, but I have included the, like, Clearview alteration as an alternative in case of a bit of a backup plan.","start":165.125,"end":175.6,"sentiment":"neutral","sentiment_score":0.16570867970585823},{"text":"Now if you keep going down, so estate planning wise, there's just a few reminders in there just to make sure that everything's in line to wills and powers of attorney.","start":179.1,"end":188.585,"sentiment":"neutral","sentiment_score":0.08565246614236985},{"text":"And you've already got beneficiary nominations in place.","start":189.60501,"end":192.405,"sentiment":"neutral","sentiment_score":0.1505104936659336}],"sentiment":"neutral","sentiment_score":0.1803001487599825,"num_words":134,"start":139.89499,"end":192.405},{"sentences":[{"text":"That's all good.","start":192.405,"end":193.46501,"sentiment":"neutral","sentiment_score":0.19170367221037546},{"text":"And just past there, you'll see on pages sort of five and six, what's not included is more just your personal financial goals.","start":195.0,"end":203.02,"sentiment":"neutral","sentiment_score":0.010198615896313087},{"text":"So in the future, you were gonna buy some land when your son turns 18 and just doing some rentals.","start":203.48001,"end":209.66,"sentiment":"neutral","sentiment_score":0.028328809514641763},{"text":"Perfect.","start":213.285,"end":213.785,"sentiment":"neutral","sentiment_score":0.3115691542625427},{"text":"If you swing down past there, you'll see the limited advice warning.","start":214.245,"end":217.685,"sentiment":"neutral","sentiment_score":-0.02646103920415044}],"sentiment":"neutral","sentiment_score":0.02322528909071017,"num_words":59,"start":192.405,"end":217.685},{"sentences":[{"text":"Again, we're not covering everything.","start":217.685,"end":219.385,"sentiment":"neutral","sentiment_score":-0.12828654050827026},{"text":"And if the information is not correct, it may impact the advice.","start":219.845,"end":223.23,"sentiment":"neutral","sentiment_score":-0.1987205675492684},{"text":"We've got the about you section.","start":225.47,"end":227.01,"sentiment":"neutral","sentiment_score":-0.0171910358282427},{"text":"I'm assuming not too many changes here, but we've got phone, email, income, occupation, and then assets and liabilities on the next page.","start":227.06999,"end":236.685,"sentiment":"neutral","sentiment_score":-0.007120036763017592},{"text":"Again, it's just the home savings, motorbike.","start":239.965,"end":242.625,"sentiment":"neutral","sentiment_score":0.04038404753165586}],"sentiment":"neutral","sentiment_score":-0.05679808001754419,"num_words":53,"start":217.685,"end":242.625},{"sentences":[{"text":"Got the solar in there.","start":243.08499,"end":244.465,"sentiment":"neutral","sentiment_score":0.04830685928463936},{"text":"Yep.","start":244.925,"end":245.425,"sentiment":"neutral","sentiment_score":0.08115043491125107},{"text":"Nice.","start":249.08499,"end":249.565,"sentiment":"positive","sentiment_score":0.5554271936416626},{"text":"That's looking good.","start":249.565,"end":250.94499,"sentiment":"positive","sentiment_score":0.5162285367647806},{"text":"And yep.","start":251.59999,"end":254.73999,"sentiment":"neutral","sentiment_score":0.05742282420396805}],"sentiment":"neutral","sentiment_score":0.21180359863986573,"num_words":12,"start":243.08499,"end":254.73999},{"sentences":[{"text":"Beautiful.","start":258.8,"end":259.3,"sentiment":"neutral","sentiment_score":0.04820086807012558},{"text":"If you swing past there so this is the first part I wanted to point out to you under your current risk protection portfolio, red heading.","start":259.68,"end":267.415,"sentiment":"neutral","sentiment_score":0.03817090757477742},{"text":"So you've got the life and TPD insurance for about 0.5 a mil, and you've got the income protection, which is sitting at 4,900 a month, ninety days per year.","start":269.555,"end":280.055,"sentiment":"neutral","sentiment_score":0.04932230661312739},{"text":"Can you see the bottom underneath that table?","start":280.50998,"end":282.75,"sentiment":"neutral","sentiment_score":0.031348786782473326},{"text":"The the premiums are currently about 3,000.","start":282.75,"end":285.16998,"sentiment":"neutral","sentiment_score":0.032911538279482296}],"sentiment":"neutral","sentiment_score":0.041687287855893373,"num_words":72,"start":258.8,"end":285.16998},{"sentences":[{"text":"So what I was able to find was that bumping up the income protection with Clearview would get us to about 3,400.","start":287.31,"end":295.165,"sentiment":"neutral","sentiment_score":0.18936247276988896},{"text":"So about a 10% increase.","start":295.385,"end":297.085,"sentiment":"neutral","sentiment_score":0.14560332000255585},{"text":"Not too crazy, but I did find one path would offer the cover for less 2,600 for the full income protection and the same amount of life and TPD.","start":297.545,"end":310.04,"sentiment":"neutral","sentiment_score":0.15319157211944975},{"text":"So we'll keep swinging through.","start":312.82,"end":314.5,"sentiment":"neutral","sentiment_score":0.08936762660741807},{"text":"I'll go through the super first, and then I'll kind of run through a few points on the insurances.","start":314.5,"end":319.24,"sentiment":"neutral","sentiment_score":0.07700047779240106}],"sentiment":"neutral","sentiment_score":0.1405799225438386,"num_words":80,"start":287.31,"end":319.24},{"sentences":[{"text":"We've got your risk profile.","start":320.15503,"end":321.595,"sentiment":"neutral","sentiment_score":0.015889007970690726},{"text":"There is growth, so we're not changing your category, just the underlying investments.","start":321.595,"end":326.65503,"sentiment":"neutral","sentiment_score":0.008720294930613957},{"text":"Cool.","start":327.515,"end":328.015,"sentiment":"positive","sentiment_score":0.37384653091430664},{"text":"The first sort of text heavy page on twelve and thirteen, you'll see strategy recommendation.","start":329.195,"end":333.77502,"sentiment":"neutral","sentiment_score":0.13957112630208332},{"text":"So to kind of summarize this a little bit is we're not doing a full retirement projection for seventeen years because that's probably a bit too far to be accurate with.","start":343.98,"end":352.945,"sentiment":"neutral","sentiment_score":-0.22188776899730006}],"sentiment":"neutral","sentiment_score":-0.06489690060798939,"num_words":65,"start":320.15503,"end":352.945},{"sentences":[{"text":"We have included the usual ten years for the time being.","start":353.085,"end":356.625,"sentiment":"neutral","sentiment_score":-0.006561439315026457},{"text":"We've looked at some replacement options for a few options in your portfolio that are kind of lower fee asset options.","start":358.445,"end":365.46002,"sentiment":"neutral","sentiment_score":0.035509997058571094},{"text":"So lower fees, better performance, and, again, not really changing your risk profile.","start":365.46002,"end":369.96002,"sentiment":"neutral","sentiment_score":0.02171618606035526},{"text":"If you go past there, you'll see a table on the next page with advantages and disadvantages.","start":371.94,"end":376.44,"sentiment":"neutral","sentiment_score":-0.01510785985738039},{"text":"So the main things to be aware of is anytime we change investments within super, there is capital gains tax under the hood that we have to factor in.","start":378.845,"end":387.965,"sentiment":"neutral","sentiment_score":-0.09628164575531564}],"sentiment":"neutral","sentiment_score":-0.023001723295937363,"num_words":91,"start":353.085,"end":387.965},{"sentences":[{"text":"It only came out to be about $3.70 to update everything, and there's also a brokerage fee.","start":387.965,"end":395.03,"sentiment":"neutral","sentiment_score":-0.07123962745946996},{"text":"Because Oku uses these low fee ETF, you gotta pay that 0.11% to purchase them.","start":395.03,"end":401.59,"sentiment":"neutral","sentiment_score":-0.003678004319469134},{"text":"Once you've got them, they're the lowest fee investment you can have.","start":401.59,"end":404.89,"sentiment":"positive","sentiment_score":0.40473724404970807},{"text":"Now if you swing down past there, there's some general warnings about the market.","start":407.07498,"end":410.995,"sentiment":"neutral","sentiment_score":-0.09013774059712887},{"text":"Obviously, we can't control the weather, but we can pick and choose the fund managers and investments and some alternatives we did consider.","start":410.995,"end":419.415,"sentiment":"neutral","sentiment_score":-0.01856768487588219}],"sentiment":"neutral","sentiment_score":0.0234767663763997,"num_words":81,"start":387.965,"end":419.415},{"sentences":[{"text":"But the main table I wanted to show you is on page fifteen and sixteen.","start":420.15002,"end":424.97,"sentiment":"neutral","sentiment_score":0.028019129609068234},{"text":"You should see fee comparison.","start":425.27002,"end":426.73,"sentiment":"neutral","sentiment_score":0.02120528668165207},{"text":"K.","start":431.51,"end":431.895,"sentiment":"neutral","sentiment_score":0.019274089485406876},{"text":"Now if you can make out this table, it should say current, recommended, and different.","start":431.97498,"end":435.91498,"sentiment":"neutral","sentiment_score":0.04370545124014218},{"text":"I just wanna kind of bring you to that right hand column for the time being.","start":436.13498,"end":440.07498,"sentiment":"neutral","sentiment_score":0.03855328995268792}],"sentiment":"neutral","sentiment_score":0.03496195913220827,"num_words":52,"start":420.15002,"end":440.07498},{"sentences":[{"text":"So at the top right, I've got a minus three seventy one.","start":442.935,"end":450.06,"sentiment":"neutral","sentiment_score":-0.007272652583196759},{"text":"That's that capital gains tax I was talking about.","start":450.06,"end":452.72,"sentiment":"neutral","sentiment_score":-0.014556866760055224},{"text":"Underneath that, you've got a plus four thirty three.","start":454.7,"end":457.92,"sentiment":"neutral","sentiment_score":0.0663447773291005},{"text":"We've managed to chop the investment fees in half.","start":458.06,"end":461.055,"sentiment":"neutral","sentiment_score":0.11913052780760659},{"text":"So that'll save you more than the capital gains tax in the first year.","start":463.455,"end":466.895,"sentiment":"neutral","sentiment_score":0.2628450909895556}],"sentiment":"neutral","sentiment_score":0.09680802619330725,"num_words":53,"start":442.935,"end":466.895},{"sentences":[{"text":"And because they're percentage based, as your super grows, the fee savings will just widen.","start":466.895,"end":472.035,"sentiment":"neutral","sentiment_score":0.19126290529966355},{"text":"$327 is a net savings on the insurance premiums.","start":474.8,"end":478.98,"sentiment":"neutral","sentiment_score":0.16332338336441252},{"text":"That's with the new provider with the increased income protection.","start":479.44,"end":483.14,"sentiment":"neutral","sentiment_score":0.15368302613496782},{"text":"And then at the bottom, we're bringing your five year average up from 8.12 to 10.62.","start":485.36,"end":491.945,"sentiment":"neutral","sentiment_score":0.10056592617183924},{"text":"Again, benchmark for growth risk profile is about 9%.","start":492.085,"end":495.54498,"sentiment":"neutral","sentiment_score":0.06940459625588523}],"sentiment":"neutral","sentiment_score":0.13744712671485998,"num_words":59,"start":466.895,"end":495.54498},{"sentences":[{"text":"And if we can keep you above that ten, eleven, 12, you're above benchmark.","start":495.60498,"end":500.345,"sentiment":"neutral","sentiment_score":0.08823008037039212},{"text":"So what that really equates to on the next page, we've got a bit of a projection here, and we're estimating about a $100,000 more in 10 time.","start":502.84,"end":513.1,"sentiment":"neutral","sentiment_score":0.0780204361570733},{"text":"That's including the fee savings, the performance, and the reduced insurance premium.","start":513.56,"end":518.555,"sentiment":"neutral","sentiment_score":0.12388531863689423},{"text":"Cool.","start":521.335,"end":521.835,"sentiment":"positive","sentiment_score":0.5010465979576111},{"text":"Performance underneath that, I just wanted to show you basically the consistency across all time periods is one, three, five, and ten years.","start":522.375,"end":530.55005,"sentiment":"neutral","sentiment_score":0.19484871625900269}],"sentiment":"neutral","sentiment_score":0.12678184914283264,"num_words":78,"start":495.60498,"end":530.55005},{"sentences":[{"text":"We're trying to keep it as close to double digits as possible in every time period.","start":530.55005,"end":535.21,"sentiment":"neutral","sentiment_score":0.1946814744733274},{"text":"Cool.","start":537.43,"end":537.93,"sentiment":"neutral","sentiment_score":0.12571561336517334},{"text":"Now the last sort of digit heavy pages here, we've got a very colorful investment table on the next page.","start":538.23004,"end":546.025,"sentiment":"neutral","sentiment_score":0.21117239613085986},{"text":"Now what this basically means can you see the second last column where it says target weight percentage?","start":548.325,"end":553.625,"sentiment":"neutral","sentiment_score":0.07948997327023083},{"text":"So this is what we're recommending, and everything that has a zero is getting replaced, and everything with a round number is either being rebalanced back to where it should be, or it's a new option, which is the four at the bottom.","start":555.63,"end":568.395,"sentiment":"neutral","sentiment_score":0.08290997537416081}],"sentiment":"neutral","sentiment_score":0.12714301619906815,"num_words":98,"start":530.55005,"end":568.395},{"sentences":[{"text":"So what we're basically doing is the Bennelong option that you had that's going a couple of the options that have grown a little bit were also just kind of taking some profits from now, And the government was also phasing out a type of a term deposit or the bank hybrid.","start":570.955,"end":587.12006,"sentiment":"neutral","sentiment_score":-0.0029044280258508828},{"text":"So that's coming in next year.","start":587.66003,"end":590.7,"sentiment":"neutral","sentiment_score":-0.0839958656579256},{"text":"So I've just recommended to switch that out early before that happens.","start":590.7,"end":594.32,"sentiment":"neutral","sentiment_score":-0.08667641753951709},{"text":"Mhmm.","start":594.7,"end":595.2,"sentiment":"neutral","sentiment_score":0.035517189651727676},{"text":"We're still keeping gold and cybersecurity.","start":595.5,"end":598.40497,"sentiment":"positive","sentiment_score":0.36129944026470184}],"sentiment":"neutral","sentiment_score":0.006599887915245899,"num_words":77,"start":570.955,"end":598.40497},{"sentences":[{"text":"They're fantastic satellite.","start":598.625,"end":600.08496,"sentiment":"positive","sentiment_score":0.7668148279190063},{"text":"We've still got your S and P five 100, which is like your American shares.","start":600.545,"end":605.445,"sentiment":"neutral","sentiment_score":0.31975221236546836},{"text":"And at the bottom, the very last option, beta shares Australia 200, that's your replacement for Phenolone, which is that kind of low fee index fund I was talking about.","start":605.58496,"end":617.16,"sentiment":"neutral","sentiment_score":0.10114540047943592},{"text":"So rather than just switching two options out, I am recommending to pretty much update as much as possible, and it's not gonna cost that much in terms of tax.","start":618.5,"end":628.795,"sentiment":"neutral","sentiment_score":0.018414977192878722},{"text":"Now last thing here, if you swing over, there'll be a cash table on the next page.","start":631.495,"end":636.055,"sentiment":"neutral","sentiment_score":0.040660237016923284}],"sentiment":"neutral","sentiment_score":0.1197343476704861,"num_words":95,"start":598.625,"end":636.055},{"sentences":[{"text":"Just wanna go past that one through the pie chart on the following page.","start":636.055,"end":640.91003,"sentiment":"neutral","sentiment_score":0.046325164447937696},{"text":"Now main thing to keep in mind here is because of the growth risk profile, we need to keep you between 80 to 90% in growth assets.","start":643.29004,"end":652.425,"sentiment":"neutral","sentiment_score":-0.020439684666969157},{"text":"That's that middle row in gray, growth total.","start":652.58496,"end":655.885,"sentiment":"neutral","sentiment_score":0.006742135563399643},{"text":"Yep.","start":657.625,"end":658.02496,"sentiment":"neutral","sentiment_score":0.07095703482627869},{"text":"So the risk profile says 80 is the target.","start":658.02496,"end":660.605,"sentiment":"neutral","sentiment_score":0.04185988836818271}],"sentiment":"neutral","sentiment_score":0.010140914083221706,"num_words":59,"start":636.055,"end":660.605},{"sentences":[{"text":"You're sitting at about 82.","start":660.665,"end":662.765,"sentiment":"neutral","sentiment_score":0.0589689776301384},{"text":"When we rebalance everything, you'll be at about 85, but slightly higher in growth assets, but still within that 80 to 90 band.","start":662.825,"end":670.51,"sentiment":"neutral","sentiment_score":0.04044892525543337},{"text":"K?","start":672.97003,"end":673.47003,"sentiment":"neutral","sentiment_score":0.028268709778785706},{"text":"That's 3% increase in growth assets.","start":674.09,"end":676.17004,"sentiment":"neutral","sentiment_score":0.06815002486109734},{"text":"That's not gonna, you know, increase your volatility.","start":676.17004,"end":678.83,"sentiment":"neutral","sentiment_score":-0.2707658223807812}],"sentiment":"neutral","sentiment_score":-0.01171598955988884,"num_words":43,"start":660.665,"end":678.83},{"sentences":[{"text":"It's not gonna be more risky.","start":679.29004,"end":680.91003,"sentiment":"neutral","sentiment_score":-0.18204851200183234},{"text":"Normally, that would be the case, but that bet along option was so volatile that just taking that out to reduce your volatility massively.","start":682.725,"end":689.225,"sentiment":"neutral","sentiment_score":-0.03992762866740426},{"text":"That's pretty much it for the super side of things.","start":692.325,"end":694.485,"sentiment":"neutral","sentiment_score":0.2495318427681923},{"text":"So, again, it's a bit of an engine tune up on the portfolio.","start":694.485,"end":697.29,"sentiment":"neutral","sentiment_score":0.11651867971970485},{"text":"Keep it in line with those double digits, but do you have any questions for me?","start":697.83,"end":702.25,"sentiment":"neutral","sentiment_score":0.09775980026461184}],"sentiment":"neutral","sentiment_score":0.051067592873089554,"num_words":69,"start":679.29004,"end":702.25},{"sentences":[{"text":"Alrighty.","start":714.48505,"end":714.98505,"sentiment":"neutral","sentiment_score":0.23853273689746857},{"text":"On the next page so here we've got the insurances.","start":715.525,"end":718.34503,"sentiment":"neutral","sentiment_score":0.08411349207162858},{"text":"And what we're basically looking at is we want to try and go with a provider called OnePath.","start":721.44995,"end":725.87,"sentiment":"neutral","sentiment_score":0.08880629845791393},{"text":"They they link in with Zurich.","start":726.57,"end":728.50995,"sentiment":"neutral","sentiment_score":0.10719407474001248},{"text":"At the bottom of that table, they're offering the life TBD income protection with the 5,500 amount for 2,600 a year as opposed to 3,400.","start":729.20996,"end":742.155,"sentiment":"neutral","sentiment_score":0.11918602675199509}],"sentiment":"neutral","sentiment_score":0.10501660245160262,"num_words":60,"start":714.48505,"end":742.155},{"sentences":[{"text":"You get a 15¢ rebate off of that as well, so the total that comes out of the super is $22.24 and 31¢.","start":744.29504,"end":752.28,"sentiment":"neutral","sentiment_score":0.32437723094508764},{"text":"And this also includes I believe you would still be on smokers' rates, I believe.","start":752.92004,"end":758.46,"sentiment":"neutral","sentiment_score":0.06608028039336204},{"text":"Yep.","start":761.24005,"end":761.56006,"sentiment":"neutral","sentiment_score":0.05954260379076004},{"text":"So if at some point we got you, say, twelve months nicotine free, that would also drop to, like, 1,400 if we could take that off too.","start":761.56006,"end":771.33496,"sentiment":"neutral","sentiment_score":0.04161194939580229},{"text":"Now the main question for this is we're obviously put in place the new policy before we cancel the old one just to make sure there's no gap.","start":774.27496,"end":783.35,"sentiment":"neutral","sentiment_score":-0.010926622714448189}],"sentiment":"neutral","sentiment_score":0.09435049844804504,"num_words":94,"start":744.29504,"end":783.35},{"sentences":[{"text":"And the previous new policy, I'm just having a look at the inception date, was April 2024.","start":783.81,"end":790.87,"sentiment":"neutral","sentiment_score":0.01327396129422328},{"text":"So the main question here is when we go through an application, they're gonna ask about occupation and health questions, and we'll have all the information from Clearview.","start":793.035,"end":802.735,"sentiment":"neutral","sentiment_score":0.032957790685551505},{"text":"But have you had any, like, diagnosis, medications, or health episodes between 2024 and now?","start":803.035,"end":811.58,"sentiment":"neutral","sentiment_score":-0.01912245647981763},{"text":"That's good.","start":814.92004,"end":815.56,"sentiment":"neutral","sentiment_score":0.2441166341304779},{"text":"I much prefer that because you can get all kinds of things popping up.","start":815.56,"end":819.74,"sentiment":"neutral","sentiment_score":0.2670256697705814}],"sentiment":"neutral","sentiment_score":0.06695041156643511,"num_words":76,"start":783.81,"end":819.74},{"sentences":[{"text":"So amazing.","start":820.12,"end":824.255,"sentiment":"neutral","sentiment_score":0.022145983763039112},{"text":"So if there's no issues health wise, I think we should go for the replacement provider and just get those premiums down.","start":824.255,"end":831.155,"sentiment":"neutral","sentiment_score":0.010146237909793855},{"text":"Cool.","start":834.7,"end":835.2,"sentiment":"positive","sentiment_score":0.5530529022216797},{"text":"What else is there in the document?","start":836.38,"end":837.9,"sentiment":"neutral","sentiment_score":0.18577973757471358},{"text":"So it goes through and, again, apologies for the amount of text in here.","start":837.9,"end":841.28,"sentiment":"neutral","sentiment_score":-0.07620624333087887}],"sentiment":"neutral","sentiment_score":0.02291593174247638,"num_words":46,"start":820.12,"end":841.28},{"sentences":[{"text":"As you scroll through, it just talks about how we arrived at these figures together.","start":841.42,"end":845.44,"sentiment":"neutral","sentiment_score":0.05344872574011485},{"text":"There's a needs analysis about covering the mortgage and popping up your income.","start":845.74,"end":849.96497,"sentiment":"neutral","sentiment_score":-0.01616786026324217},{"text":"We're not doing any trauma insurance out of pocket.","start":851.945,"end":854.765,"sentiment":"neutral","sentiment_score":-0.2710377706421746},{"text":"It's just trying to fix up that income protection.","start":854.825,"end":857.325,"sentiment":"neutral","sentiment_score":-0.0424200946258174},{"text":"So we've got premium impact table on page 24.","start":860.345,"end":865.83,"sentiment":"neutral","sentiment_score":0.02627734736435943}],"sentiment":"neutral","sentiment_score":-0.03623774469914762,"num_words":55,"start":841.42,"end":865.83},{"sentences":[{"text":"Sorry.","start":865.83,"end":866.15,"sentiment":"neutral","sentiment_score":-0.05874248966574669},{"text":"Just looking at the bottom of like, page numbers on the bottom of the pages.","start":866.15,"end":870.89,"sentiment":"neutral","sentiment_score":-0.01660756568113963},{"text":"Yep.","start":877.805,"end":877.96497,"sentiment":"neutral","sentiment_score":0.10175277292728424},{"text":"It should say outcomes in, like, the little gray bar and then a very small table underneath it where it says, like, premium, five year impact, and ten year impact.","start":877.96497,"end":887.425,"sentiment":"neutral","sentiment_score":0.06977962292730808},{"text":"Yep.","start":894.77997,"end":895.26,"sentiment":"neutral","sentiment_score":0.1508811116218567}],"sentiment":"neutral","sentiment_score":0.04246180411428213,"num_words":48,"start":865.83,"end":895.26},{"sentences":[{"text":"So current is the current premiums and and portfolio, brings you to about 382,000.","start":895.26,"end":902.24,"sentiment":"neutral","sentiment_score":0.20485012871878489},{"text":"With the saved premiums and the new portfolio, you're gonna go to four eighty four estimate.","start":902.605,"end":907.185,"sentiment":"neutral","sentiment_score":0.22353965509682894},{"text":"And it also just says, look.","start":907.325,"end":908.525,"sentiment":"neutral","sentiment_score":0.13227725898226103},{"text":"If you had no premiums whatsoever, you'd probably be clearing this over 500,000.","start":908.525,"end":912.925,"sentiment":"neutral","sentiment_score":0.13332286906930116},{"text":"So it just shows you the impact the premiums do have.","start":912.925,"end":915.34503,"sentiment":"neutral","sentiment_score":0.16218327189033682}],"sentiment":"neutral","sentiment_score":0.17925688543667395,"num_words":60,"start":895.26,"end":915.34503},{"sentences":[{"text":"Cool.","start":917.72504,"end":918.22504,"sentiment":"neutral","sentiment_score":0.12563955783843994},{"text":"Any questions on the insurance side of things?","start":919.51,"end":922.01,"sentiment":"neutral","sentiment_score":0.05331268021836877},{"text":"Cool.","start":925.51,"end":926.01,"sentiment":"neutral","sentiment_score":0.11769363284111024},{"text":"When we get that in place, because there'll be a not new life insurance policy, we will just have to put in place another beneficiary nomination for that one with the new provider.","start":926.71,"end":935.965,"sentiment":"neutral","sentiment_score":0.08230473789753336},{"text":"So that's basically pages 28 onwards.","start":937.305,"end":939.485,"sentiment":"neutral","sentiment_score":0.07466670187811057}],"sentiment":"neutral","sentiment_score":0.07824267743497479,"num_words":49,"start":917.72504,"end":939.485},{"sentences":[{"text":"A few reminders about wills and powers of attorney, which I don't need to remind you why that is important.","start":940.10504,"end":945.645,"sentiment":"neutral","sentiment_score":0.05542381182312965},{"text":"The other thing to bear in mind is just in terms of opioid remuneration.","start":948.13,"end":952.07,"sentiment":"neutral","sentiment_score":-0.01461768230157239},{"text":"So any policy that we put in for, we still get paid, like, 66% of the first year's premium, whichever provider it is, and then 22% ongoing to kind of look after the policy, help you with any claims, and also provide you with claims advice if you do do an insurance claim.","start":952.85,"end":972.675,"sentiment":"neutral","sentiment_score":0.12793329280783544},{"text":"Okay?","start":975.215,"end":975.715,"sentiment":"neutral","sentiment_score":0.012838983908295631},{"text":"From here, if you're happy with everything, the rest of these attachments is essentially an appendix with some research, a one path quote that we need you to sign off on, and this statement of advice has an authority to sign at the bottom of the second last page.","start":976.7,"end":996.525,"sentiment":"neutral","sentiment_score":0.18716438274298394}],"sentiment":"neutral","sentiment_score":0.123125452126791,"num_words":137,"start":940.10504,"end":996.525},{"sentences":[{"text":"Alright.","start":996.525,"end":997.025,"sentiment":"neutral","sentiment_score":0.21949344873428345},{"text":"So this basically sign the statement of advice, and then it'll let you go next document to skip the appendix.","start":998.445,"end":1005.585,"sentiment":"neutral","sentiment_score":0.13479299582540988},{"text":"It'll ask you to sign the quote, which, fortunately, is, like, nine pages long, so it's on the full page.","start":1006.19995,"end":1012.62,"sentiment":"neutral","sentiment_score":0.22089823558926583},{"text":"And then everything else in that pack is pretty much skippable.","start":1015.72,"end":1019.66,"sentiment":"neutral","sentiment_score":0.25885222174904565},{"text":"Service guides, pub PDFs.","start":1020.43994,"end":1023.575,"sentiment":"neutral","sentiment_score":0.11017879471182823}],"sentiment":"neutral","sentiment_score":0.18966799455561809,"num_words":56,"start":996.525,"end":1023.575},{"sentences":[{"text":"Once you get to the very end and skip through all sort of nine documents, it'll have, like, a validate button for you.","start":1024.355,"end":1032.4551,"sentiment":"neutral","sentiment_score":0.1418195318268693},{"text":"Yeah.","start":1077.695,"end":1078.095,"sentiment":"neutral","sentiment_score":0.1155235320329666},{"text":"It's a bit of fun light reading.","start":1078.095,"end":1080.195,"sentiment":"neutral","sentiment_score":0.32685817990984234},{"text":"I've done it quite a few times going through all of these bit by bit, and it can be quite a lot of pages.","start":1080.575,"end":1087.635,"sentiment":"neutral","sentiment_score":0.05470944079570472},{"text":"No.","start":1090.64,"end":1091.14,"sentiment":"neutral","sentiment_score":-0.08161794394254684}],"sentiment":"neutral","sentiment_score":0.12315694033168256,"num_words":56,"start":1024.355,"end":1091.14},{"sentences":[{"text":"Correct.","start":1092.9601,"end":1093.4601,"sentiment":"neutral","sentiment_score":-0.035249970853328705},{"text":"Now that spinning circle, when you hit validate, it may actually hang there for a good twenty seconds or so just because the amount of pages in there.","start":1098.7201,"end":1106.4349,"sentiment":"neutral","sentiment_score":0.0022578776281859192},{"text":"While that's loading, so we do have ID on file that seems up to date expiring in 2028.","start":1109.0549,"end":1115.52,"sentiment":"neutral","sentiment_score":0.03353791559735934},{"text":"So we'll certify that with the insurance application.","start":1115.6,"end":1119.7001,"sentiment":"neutral","sentiment_score":0.083562474232167},{"text":"And, basically, from there, I just need to work out with you when would be a good date and time to go through the insurance application with the team.","start":1120.72,"end":1138.345,"sentiment":"neutral","sentiment_score":0.0462792317928939}],"sentiment":"neutral","sentiment_score":0.031455364277852435,"num_words":84,"start":1092.9601,"end":1138.345},{"sentences":[{"text":"Okay.","start":1163.7949,"end":1164.115,"sentiment":"neutral","sentiment_score":-0.16773590445518494},{"text":"It's always the way on a Friday.","start":1164.115,"end":1165.575,"sentiment":"neutral","sentiment_score":-0.1566002784030778},{"text":"Oh, yeah.","start":1179.285,"end":1179.685,"sentiment":"neutral","sentiment_score":-0.06352465599775314},{"text":"I closed about forty before this call because I had so many clients open.","start":1179.685,"end":1183.625,"sentiment":"neutral","sentiment_score":-0.0406677620485425},{"text":"Yeah.","start":1195.86,"end":1196.18,"sentiment":"neutral","sentiment_score":0.006590963341295719}],"sentiment":"neutral","sentiment_score":-0.0781497948244214,"num_words":25,"start":1163.7949,"end":1196.18},{"sentences":[{"text":"Next Tuesday, we do have some yeah.","start":1196.18,"end":1199.4601,"sentiment":"neutral","sentiment_score":0.025786771971200193},{"text":"Absolutely.","start":1199.4601,"end":1199.9601,"sentiment":"neutral","sentiment_score":0.07969056069850922},{"text":"We just need to get it in before no.","start":1200.34,"end":1203.78,"sentiment":"neutral","sentiment_score":-0.04675548937585619},{"text":"That twenty minutes max.","start":1203.78,"end":1205.88,"sentiment":"neutral","sentiment_score":-0.03396502137184143},{"text":"We'll prefill everything from the previous application, and then it which which is running through, can you confirm all of this?","start":1206.02,"end":1212.115,"sentiment":"neutral","sentiment_score":0.02294627420737275}],"sentiment":"neutral","sentiment_score":0.004414529356706355,"num_words":42,"start":1196.18,"end":1212.115},{"sentences":[{"text":"And if there's been no changes, no no no no no.","start":1212.115,"end":1214.615,"sentiment":"neutral","sentiment_score":-0.01032617127268829},{"text":"It only takes longer if something does pop up and you have to go into more depth.","start":1215.3151,"end":1218.8551,"sentiment":"neutral","sentiment_score":-0.02098975462072036},{"text":"So on a Tuesday, we're still on no daylight savings, which is great.","start":1223.0599,"end":1228.26,"sentiment":"neutral","sentiment_score":0.07840809598565102},{"text":"Tasmania's still the oh, sorry.","start":1228.26,"end":1230.6799,"sentiment":"neutral","sentiment_score":0.0069680302403867245},{"text":"You're in Queensland too.","start":1231.38,"end":1232.92,"sentiment":"neutral","sentiment_score":0.011466932948678732}],"sentiment":"neutral","sentiment_score":0.012591988365165889,"num_words":50,"start":1212.115,"end":1232.92},{"sentences":[{"text":"We've got availability pretty much.","start":1238.625,"end":1240.705,"sentiment":"neutral","sentiment_score":0.0486562043428421},{"text":"Would morning or afternoon be better for you?","start":1240.705,"end":1243.0449,"sentiment":"neutral","sentiment_score":0.05447684833779931},{"text":"Morning.","start":1245.825,"end":1246.3049,"sentiment":"neutral","sentiment_score":0.019269980490207672},{"text":"Okay.","start":1246.3049,"end":1246.8049,"sentiment":"neutral","sentiment_score":0.024525001645088196},{"text":"We do have have a quick look at someone at there.","start":1247.825,"end":1259.49,"sentiment":"neutral","sentiment_score":0.025049490854144096}],"sentiment":"neutral","sentiment_score":0.038401353459518686,"num_words":26,"start":1238.625,"end":1259.49},{"sentences":[{"text":"Nine and 10:00 are okay.","start":1259.49,"end":1262.0701,"sentiment":"neutral","sentiment_score":0.0269873782992363},{"text":"09:00.","start":1266.075,"end":1266.815,"sentiment":"neutral","sentiment_score":0.02407347597181797},{"text":"Easy done.","start":1267.115,"end":1268.015,"sentiment":"neutral","sentiment_score":0.17932410538196564},{"text":"Gonna plug this into the calendar for the team.","start":1271.595,"end":1274.095,"sentiment":"neutral","sentiment_score":0.1324171150724093},{"text":"And that's pretty much it.","start":1278.7001,"end":1279.66,"sentiment":"neutral","sentiment_score":0.16315979659557342}],"sentiment":"neutral","sentiment_score":0.11478234531188553,"num_words":22,"start":1259.49,"end":1279.66},{"sentences":[{"text":"I'll just run through that.","start":1279.66,"end":1281.04,"sentiment":"neutral","sentiment_score":0.08382848501205445},{"text":"Once the new policy is enforced, we'll cancel the old one, and I'll give you, like, a pro rata refund into the super account.","start":1281.18,"end":1289.655,"sentiment":"neutral","sentiment_score":0.011152045258010427},{"text":"Alrighty.","start":1293.095,"end":1293.595,"sentiment":"positive","sentiment_score":0.33416250348091125},{"text":"Look.","start":1294.375,"end":1294.615,"sentiment":"positive","sentiment_score":0.33454835414886475},{"text":"Thank you so much for for calling back in.","start":1294.615,"end":1296.535,"sentiment":"positive","sentiment_score":0.6152071555455526}],"sentiment":"neutral","sentiment_score":0.1723091692198068,"num_words":40,"start":1279.66,"end":1296.535},{"sentences":[{"text":"Do you have any questions at this point?","start":1296.535,"end":1298.3151,"sentiment":"neutral","sentiment_score":0.3095879927277565},{"text":"Easy done, Fiona.","start":1302.6951,"end":1303.675,"sentiment":"positive","sentiment_score":0.47132458289464313},{"text":"From here, we do have a bit of an annual review scheduled for around about May of next year, April, May.","start":1304.135,"end":1312.0901,"sentiment":"neutral","sentiment_score":0.1560093859831492},{"text":"Is there anything you want me to put in for this side of Christmas?","start":1312.55,"end":1315.5901,"sentiment":"neutral","sentiment_score":0.10992655849882535},{"text":"Anything you need before?","start":1315.5901,"end":1316.89,"sentiment":"neutral","sentiment_score":0.034899232909083366}],"sentiment":"neutral","sentiment_score":0.17690887093544005,"num_words":50,"start":1296.535,"end":1316.89},{"sentences":[{"text":"Amazing.","start":1321.365,"end":1321.865,"sentiment":"neutral","sentiment_score":0.1744014322757721},{"text":"And I'll just double check.","start":1321.925,"end":1323.865,"sentiment":"neutral","sentiment_score":0.1478713870048523},{"text":"Yeah.","start":1326.645,"end":1327.145,"sentiment":"neutral","sentiment_score":0.1175282746553421},{"text":"Absolutely.","start":1327.525,"end":1328.025,"sentiment":"neutral","sentiment_score":0.09649650752544404},{"text":"Now I don't know if your Odoo sign is still doing a spinning circle of pain there.","start":1328.885,"end":1334.62,"sentiment":"neutral","sentiment_score":-0.151477276621496}],"sentiment":"neutral","sentiment_score":-0.05789322212338448,"num_words":25,"start":1321.365,"end":1334.62},{"sentences":[{"text":"I haven't.","start":1334.84,"end":1335.58,"sentiment":"neutral","sentiment_score":-0.10295578837394714},{"text":"No.","start":1339.08,"end":1339.24,"sentiment":"neutral","sentiment_score":-0.30432721972465515},{"text":"It hasn't come through just 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quickly before I let you go, were you able to sign and date everything on that quote that on the fourth page?","start":1363.8,"end":1372.875,"sentiment":"neutral","sentiment_score":0.05879946410655976}],"sentiment":"neutral","sentiment_score":-0.022052166095479976,"num_words":43,"start":1352.9349,"end":1372.875},{"sentences":[{"text":"Yep.","start":1375.595,"end":1375.915,"sentiment":"neutral","sentiment_score":0.24643608927726743},{"text":"Right there.","start":1375.915,"end":1376.575,"sentiment":"positive","sentiment_score":0.3959890902042389},{"text":"Perfect.","start":1377.915,"end":1378.315,"sentiment":"positive","sentiment_score":0.6317512392997742},{"text":"So just signatures on statement of advice and quote.","start":1378.315,"end":1380.555,"sentiment":"neutral","sentiment_score":0.23046533266703287},{"text":"Nothing on the other one.","start":1380.555,"end":1381.775,"sentiment":"neutral","sentiment_score":-0.10628304332494735}],"sentiment":"neutral","sentiment_score":0.17849657146467102,"num_words":18,"start":1375.595,"end":1381.775},{"sentences":[{"text":"May need a bit of a refresh, so might have to try again a little bit later.","start":1382.395,"end":1386.335,"sentiment":"neutral","sentiment_score":-0.1989266228149919},{"text":"If you have any issues, just give us a buzz, give us a text or email, and I can get that reset as well.","start":1387.115,"end":1393.49,"sentiment":"neutral","sentiment_score":-0.009681203868240118},{"text":"Awesome.","start":1396.99,"end":1397.49,"sentiment":"positive","sentiment_score":0.5469911098480225},{"text":"Always seems to be on a Friday.","start":1415.565,"end":1417.1849,"sentiment":"neutral","sentiment_score":0.07710850345236915},{"text":"Definitely the 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go.","start":1474.9529,"end":1475.6729,"sentiment":"positive","sentiment_score":0.8119238466024399},{"text":"Have a great weekend.","start":1475.6729,"end":1476.653,"sentiment":"positive","sentiment_score":0.7923240959644318}],"sentiment":"neutral","sentiment_score":0.3067312640696764,"num_words":50,"start":1457.63,"end":1476.653},{"sentences":[{"text":"Thanks.","start":1479.7529,"end":1480.2529,"sentiment":"positive","sentiment_score":0.5770319104194641},{"text":"Bye.","start":1480.393,"end":1480.893,"sentiment":"neutral","sentiment_score":-0.1197126731276512}],"sentiment":"neutral","sentiment_score":0.22865961864590645,"num_words":2,"start":1479.7529,"end":1480.893}]}}]},{"alternatives":[{"transcript":"Good morning. I've got Fiona on the phone for you. Not a problem. You've got her in 321. Yeah. Good. How are you? Yeah. Thank you. You too. Sorry. I was just on my other phone. Yeah. Sure. Mhmm. Mhmm. Okay. Mhmm. Yes. Sign document. Mhmm. Yep. No worries. Oh, it's on computer. It's fine. Mhmm. Mhmm. Yeah. That's right. Mhmm. Okay. Uh-huh. Okay. Mhmm. Yes. Yep. Mhmm. Yep. Yep. Yep. Pretty much. Yep. Mhmm. None. Yep. Property. Yep. Yep. That's all about the same. Savings too is probably up to about $20 now. Mortgage. Yeah. Still got a mortgage. Solar and battery box. Yeah. I'm still paying that off. Mhmm. Mhmm. Yeah. Yeah. Yeah. Okay. Mhmm. Yep. Correct. Yep. Yeah. Let's see. Thank you. Yeah. Correct. Mhmm. Uh-huh. Mhmm. Yeah. Yep. Yep. Mhmm. Yeah. Yes. So if what does that mean? Yeah. Okay. Yep. Okay. Mhmm. Mhmm. Okay. Mhmm. Yes. Mhmm. Yeah. Okay. That's good. Mhmm. Yep. Yep. That's good. Yep. Yep. Yep. Okay. Mhmm. You can yeah. Okay. Yeah. Mhmm. Okay. Mhmm. Yes. Yep. Mhmm. Yep. Mhmm. No. No. That's good. That explains right now. Right. Yep. Cool. Yep. Yep. Yeah. That's good. Yes. Correct. Okay. Alright. Yep. Mhmm. Yep. No. No. I'm very boring. Yeah. No. No. Thanks. No. Yeah. Correct. I agree. Yeah. Okay. Twenty twenty four, did you say? Yes. Yep. Yep. Okay. No. Yep. Okay. Yes. Mhmm. Okay. Yep. Okay. Let's have a look. Oh, yeah. Cool. Okay. Okay. I have to find that one. What do your documents look like? What we see is the customers to be on it? Okay. So there's no signatures needed on everything. Validate and send. Okay. Yeah. It is. Yeah. Mhmm. Mhmm. That's a good question. Let's have a look. Definitely not a Monday. My computer is not working. Oh, you have no idea. Like, come on. Let me open my calendar. I think I've got, you know, 200 tabs open, so I was gonna have a bit of a meltdown. What if we say, like, next Tuesday? Is that okay? Does it take very long? Okay. Yes. Mhmm. Oh, there we go. Yep. Queensland. What? Morning. Nine ten, something like that. Possible. Okay. Let's do 09:00. Okay. Yep. Cool. Mhmm. Perfect. No. That's all fine. That's good. Yep. No. Nothing at all. No. I'm happy. As long as it makes money, I'm good. No. It it it's it hasn't come through yet. Like, I clicked on it and it did the, you know, the blue wheel, and now it's just going back so I can scroll through things. But down the bottom, it still says validate and send, but it won't let me click on it anymore. Because I already had. Yeah. Right. Yeah. Pretty much. Yes. And let me and let me do everything. Okay. No worries. It let me go back to the initial email and do it again. So I'll do that and see if it there we go. It says it's sending it again. Yeah. It always is. Completely. My boss always wants to have meetings in the afternoon. It's like, really? Let me get something that I see. Yeah. Like, 02:00 to 03:00 every Friday afternoon. Yes. It's well, it's saying that it's done it, so I'm not really sure what's happened. Just let me know. Yeah. Sure. Okay. Yeah. No worries. No worries. No worries. That's okay. Thank you. You too. See you. 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morning. I've got Fiona on the phone for you. Not a problem. You've got her in 321. Yeah.\n\nGood. How are you? Yeah. Thank you. You too.\n\nSorry. I was just on my other phone. Yeah. Sure. Mhmm.\n\nMhmm. Okay. Mhmm. Yes. Sign document.\n\nMhmm. Yep. No worries. Oh, it's on computer. It's fine.\n\nMhmm. Mhmm. Yeah. That's right. Mhmm.\n\nOkay. Uh-huh. Okay. Mhmm. Yes.\n\nYep. Mhmm. Yep. Yep. Yep.\n\nPretty much. Yep. Mhmm. None. Yep.\n\nProperty. Yep. Yep. That's all about the same. Savings too is probably up to about $20 now.\n\nMortgage. Yeah. Still got a mortgage. Solar and battery box. Yeah.\n\nI'm still paying that off. Mhmm. Mhmm. Yeah. Yeah.\n\nYeah. Okay. Mhmm. Yep. Correct.\n\nYep. Yeah. Let's see. Thank you. Yeah.\n\nCorrect. Mhmm. Uh-huh. Mhmm. Yeah.\n\nYep. Yep. Mhmm. Yeah. Yes.\n\nSo if what does that mean? Yeah. Okay. Yep. Okay.\n\nMhmm. Mhmm. Okay. Mhmm. Yes.\n\nMhmm. Yeah. Okay. That's good. Mhmm.\n\nYep. Yep. That's good. Yep. Yep.\n\nYep. Okay. Mhmm. You can yeah. Okay.\n\nYeah. Mhmm. Okay. Mhmm. Yes.\n\nYep. Mhmm. Yep. Mhmm. No.\n\nNo. That's good. That explains right now. Right. Yep.\n\nCool. Yep. Yep. Yeah. That's good.\n\nYes. Correct. Okay. Alright. Yep.\n\nMhmm. Yep. No. No. I'm very boring.\n\nYeah. No. No. Thanks. No.\n\nYeah. Correct. I agree. Yeah. Okay.\n\nTwenty twenty four, did you say? Yes. Yep. Yep. Okay.\n\nNo. Yep. Okay. Yes. Mhmm.\n\nOkay. Yep. Okay. Let's have a look. Oh, yeah.\n\nCool. Okay. Okay. I have to find that one. What do your documents look like?\n\nWhat we see is the customers to be on it? Okay. So there's no signatures needed on everything. Validate and send. Okay.\n\nYeah. It is. Yeah. Mhmm. Mhmm.\n\nThat's a good question. Let's have a look. Definitely not a Monday. My computer is not working. Oh, you have no idea.\n\nLike, come on. Let me open my calendar. I think I've got, you know, 200 tabs open, so I was gonna have a bit of a meltdown. What if we say, like, next Tuesday? Is that okay?\n\nDoes it take very long? Okay. Yes. Mhmm. Oh, there we go.\n\nYep. Queensland. What? Morning. Nine ten, something like that.\n\nPossible. Okay. Let's do 09:00. Okay. Yep.\n\nCool. Mhmm. Perfect. No. That's all fine.\n\nThat's good. Yep. No. Nothing at all. No.\n\nI'm happy. As long as it makes money, I'm good. No. It it it's it hasn't come through yet. Like, I clicked on it and it did the, you know, the blue wheel, and now it's just going back so I can scroll through things.\n\nBut down the bottom, it still says validate and send, but it won't let me click on it anymore. Because I already had. Yeah. Right. Yeah.\n\nPretty much. Yes. And let me and let me do everything. Okay. No worries.\n\nIt let me go back to the initial email and do it again. So I'll do that and see if it there we go. It says it's sending it again. Yeah. It always is.\n\nCompletely. My boss always wants to have meetings in the afternoon. It's like, really? Let me get something that I see. Yeah.\n\nLike, 02:00 to 03:00 every Friday afternoon. Yes. It's well, it's saying that it's done it, so I'm not really sure what's happened. Just let me know. Yeah.\n\nSure. Okay. Yeah. No worries. No worries.\n\nNo worries. That's okay. Thank you. You too. 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have a look.","start":993.865,"end":995.005,"sentiment":"neutral","sentiment_score":0.0744102830067277},{"text":"Oh, yeah.","start":995.305,"end":995.965,"sentiment":"neutral","sentiment_score":0.29921844601631165}],"sentiment":"neutral","sentiment_score":0.16800809651613235,"num_words":9,"start":973.075,"end":995.965},{"sentences":[{"text":"Cool.","start":996.025,"end":996.525,"sentiment":"positive","sentiment_score":0.411262720823288},{"text":"Okay.","start":1014.44,"end":1014.94,"sentiment":"neutral","sentiment_score":0.2049284130334854},{"text":"Okay.","start":1061.4,"end":1061.7999,"sentiment":"neutral","sentiment_score":0.07229900360107422},{"text":"I have to find that one.","start":1061.7999,"end":1063.5,"sentiment":"neutral","sentiment_score":0.05189422331750393},{"text":"What do your documents look like?","start":1070.7251,"end":1072.405,"sentiment":"neutral","sentiment_score":0.03688637477656206}],"sentiment":"neutral","sentiment_score":0.08141158173481623,"num_words":15,"start":996.025,"end":1072.405},{"sentences":[{"text":"What we see is the customers to be on it?","start":1072.405,"end":1075.305,"sentiment":"neutral","sentiment_score":0.032136525586247446},{"text":"Okay.","start":1083.8601,"end":1084.3601,"sentiment":"neutral","sentiment_score":0.018944766372442245},{"text":"So there's no signatures needed on everything.","start":1085.62,"end":1088.3601,"sentiment":"neutral","sentiment_score":-0.07248556480876037},{"text":"Validate and send.","start":1089.2201,"end":1090.52,"sentiment":"neutral","sentiment_score":-0.013700218871235847},{"text":"Okay.","start":1093.06,"end":1093.56,"sentiment":"neutral","sentiment_score":-0.010621216148138046}],"sentiment":"neutral","sentiment_score":-0.009945945644920523,"num_words":22,"start":1072.405,"end":1093.56},{"sentences":[{"text":"Yeah.","start":1103.5349,"end":1104.0149,"sentiment":"neutral","sentiment_score":0.008911510929465294},{"text":"It is.","start":1104.0149,"end":1104.6549,"sentiment":"neutral","sentiment_score":0.006779501214623451},{"text":"Yeah.","start":1104.6549,"end":1105.1549,"sentiment":"neutral","sentiment_score":-0.008865151554346085},{"text":"Mhmm.","start":1106.495,"end":1106.995,"sentiment":"neutral","sentiment_score":0.007289389614015818},{"text":"Mhmm.","start":1120.42,"end":1120.845,"sentiment":"neutral","sentiment_score":0.026216797530651093}],"sentiment":"neutral","sentiment_score":0.007851924824838838,"num_words":6,"start":1103.5349,"end":1120.845},{"sentences":[{"text":"That's a good question.","start":1132.365,"end":1133.505,"sentiment":"neutral","sentiment_score":0.0015528043732047072},{"text":"Let's have a look.","start":1133.725,"end":1134.75,"sentiment":"neutral","sentiment_score":0.029198886826634407},{"text":"Definitely not a Monday.","start":1157.5449,"end":1158.9249,"sentiment":"neutral","sentiment_score":-0.3039188086986542},{"text":"My computer is not working.","start":1159.49,"end":1161.43,"sentiment":"negative","sentiment_score":-0.39737468957901},{"text":"Oh, you have no idea.","start":1166.29,"end":1168.15,"sentiment":"neutral","sentiment_score":-0.26361137330532075}],"sentiment":"neutral","sentiment_score":-0.19989085383713245,"num_words":22,"start":1132.365,"end":1168.15},{"sentences":[{"text":"Like, come on.","start":1168.4501,"end":1169.5901,"sentiment":"neutral","sentiment_score":-0.23377489546934763},{"text":"Let me open my calendar.","start":1170.4501,"end":1171.91,"sentiment":"neutral","sentiment_score":-0.1512674868106842},{"text":"I think I've got, you know, 200 tabs open, so I was gonna have a bit of a meltdown.","start":1173.085,"end":1177.9149,"sentiment":"neutral","sentiment_score":-0.23822959786967227},{"text":"What if we say, like, next Tuesday?","start":1187.74,"end":1192.64,"sentiment":"neutral","sentiment_score":-0.013450332252042634},{"text":"Is that okay?","start":1196.54,"end":1197.6,"sentiment":"neutral","sentiment_score":0.018538042747726042}],"sentiment":"neutral","sentiment_score":-0.16277196425692858,"num_words":37,"start":1168.4501,"end":1197.6},{"sentences":[{"text":"Does it take very long?","start":1200.395,"end":1201.775,"sentiment":"neutral","sentiment_score":-0.05768674239516258},{"text":"Okay.","start":1206.2351,"end":1206.7351,"sentiment":"neutral","sentiment_score":0.015891389921307564},{"text":"Yes.","start":1212.57,"end":1213.07,"sentiment":"neutral","sentiment_score":0.02109730988740921},{"text":"Mhmm.","start":1219.21,"end":1219.71,"sentiment":"neutral","sentiment_score":0.023298479616642},{"text":"Oh, there we go.","start":1230.975,"end":1232.035,"sentiment":"neutral","sentiment_score":0.008021309738978744}],"sentiment":"neutral","sentiment_score":-0.016338441132878263,"num_words":12,"start":1200.395,"end":1232.035},{"sentences":[{"text":"Yep.","start":1233.135,"end":1233.635,"sentiment":"neutral","sentiment_score":0.02476860210299492},{"text":"Queensland.","start":1233.855,"end":1234.355,"sentiment":"neutral","sentiment_score":0.02240397408604622},{"text":"What?","start":1235.055,"end":1235.555,"sentiment":"neutral","sentiment_score":0.02454988658428192},{"text":"Morning.","start":1242.73,"end":1243.23,"sentiment":"neutral","sentiment_score":0.019518474116921425},{"text":"Nine ten, something like that.","start":1248.1699,"end":1250.4299,"sentiment":"neutral","sentiment_score":0.03134258836507797}],"sentiment":"neutral","sentiment_score":0.027550430968403816,"num_words":9,"start":1233.135,"end":1250.4299},{"sentences":[{"text":"Possible.","start":1253.61,"end":1254.11,"sentiment":"neutral","sentiment_score":0.030544493347406387},{"text":"Okay.","start":1262.625,"end":1263.025,"sentiment":"neutral","sentiment_score":0.024362120777368546},{"text":"Let's do 09:00.","start":1263.025,"end":1264.1649,"sentiment":"neutral","sentiment_score":0.01954699990650018},{"text":"Okay.","start":1268.145,"end":1268.645,"sentiment":"neutral","sentiment_score":0.109921894967556},{"text":"Yep.","start":1275.25,"end":1275.73,"sentiment":"neutral","sentiment_score":0.15382078289985657}],"sentiment":"neutral","sentiment_score":0.05389861310166972,"num_words":7,"start":1253.61,"end":1275.73},{"sentences":[{"text":"Cool.","start":1275.73,"end":1276.23,"sentiment":"neutral","sentiment_score":0.28350430727005005},{"text":"Mhmm.","start":1281.585,"end":1282.085,"sentiment":"neutral","sentiment_score":-0.012479633092880247},{"text":"Perfect.","start":1290.5449,"end":1291.0449,"sentiment":"positive","sentiment_score":0.44082438945770264},{"text":"No.","start":1298.48,"end":1298.8,"sentiment":"neutral","sentiment_score":0.04317968338727951},{"text":"That's all fine.","start":1298.8,"end":1299.86,"sentiment":"neutral","sentiment_score":0.20860678454240164}],"sentiment":"neutral","sentiment_score":0.1972641572356224,"num_words":7,"start":1275.73,"end":1299.86},{"sentences":[{"text":"That's good.","start":1300.24,"end":1300.98,"sentiment":"positive","sentiment_score":0.5533166527748108},{"text":"Yep.","start":1316.895,"end":1317.215,"sentiment":"neutral","sentiment_score":0.02982386015355587},{"text":"No.","start":1317.215,"end":1317.615,"sentiment":"neutral","sentiment_score":-0.0660025030374527},{"text":"Nothing at all.","start":1317.615,"end":1318.59,"sentiment":"neutral","sentiment_score":-0.054228038837512337},{"text":"No.","start":1321.63,"end":1321.7899,"sentiment":"neutral","sentiment_score":0.0843363106250763}],"sentiment":"neutral","sentiment_score":0.124013357097283,"num_words":8,"start":1300.24,"end":1321.7899},{"sentences":[{"text":"I'm happy.","start":1321.7899,"end":1322.51,"sentiment":"neutral","sentiment_score":0.2025754302740097},{"text":"As long as it makes money, I'm good.","start":1322.51,"end":1324.5299,"sentiment":"neutral","sentiment_score":0.1424307469278574},{"text":"No.","start":1333.71,"end":1334.0299,"sentiment":"neutral","sentiment_score":-0.19879195094108584},{"text":"It it it's it hasn't come through yet.","start":1334.0299,"end":1337.5449,"sentiment":"negative","sentiment_score":-0.3357341727241874},{"text":"Like, I clicked on it and it did the, you know, the blue wheel, and now it's just going back so I can scroll through things.","start":1338.325,"end":1344.565,"sentiment":"neutral","sentiment_score":-0.15767357512735403}],"sentiment":"neutral","sentiment_score":-0.12087958777944247,"num_words":45,"start":1321.7899,"end":1344.565},{"sentences":[{"text":"But down the bottom, it still says validate and send, but it won't let me click on it anymore.","start":1344.565,"end":1349.3049,"sentiment":"neutral","sentiment_score":-0.2687387450745231},{"text":"Because I already had.","start":1353.61,"end":1355.23,"sentiment":"neutral","sentiment_score":-0.03728163940832019},{"text":"Yeah.","start":1355.77,"end":1356.27,"sentiment":"neutral","sentiment_score":-0.0424749031662941},{"text":"Right.","start":1357.29,"end":1357.79,"sentiment":"neutral","sentiment_score":-0.08611130714416504},{"text":"Yeah.","start":1360.25,"end":1360.75,"sentiment":"neutral","sentiment_score":0.02838725969195366}],"sentiment":"neutral","sentiment_score":-0.20597544864106637,"num_words":26,"start":1344.565,"end":1360.75},{"sentences":[{"text":"Pretty much.","start":1360.97,"end":1361.685,"sentiment":"neutral","sentiment_score":0.12742551043629646},{"text":"Yes.","start":1373.3651,"end":1373.79,"sentiment":"neutral","sentiment_score":0.09451771527528764},{"text":"And let me and let me do everything.","start":1374.11,"end":1375.9701,"sentiment":"neutral","sentiment_score":0.10978340916335583},{"text":"Okay.","start":1393.7251,"end":1394.2251,"sentiment":"neutral","sentiment_score":0.13378125429153442},{"text":"No worries.","start":1394.285,"end":1395.025,"sentiment":"neutral","sentiment_score":0.22298197448253632}],"sentiment":"neutral","sentiment_score":0.12909865805080958,"num_words":14,"start":1360.97,"end":1395.025},{"sentences":[{"text":"It let me go back to the initial email and do it again.","start":1395.5651,"end":1400.8651,"sentiment":"positive","sentiment_score":0.3990927223975842},{"text":"So I'll do that and see if it there we go.","start":1401.4601,"end":1406.74,"sentiment":"neutral","sentiment_score":0.23665465820919385},{"text":"It says it's sending it again.","start":1406.74,"end":1408.28,"sentiment":"neutral","sentiment_score":0.08582861969868343},{"text":"Yeah.","start":1417.685,"end":1418.185,"sentiment":"neutral","sentiment_score":0.25030213594436646},{"text":"It always is.","start":1418.645,"end":1419.785,"sentiment":"positive","sentiment_score":0.3536444107691447}],"sentiment":"neutral","sentiment_score":0.282870991703342,"num_words":34,"start":1395.5651,"end":1419.785},{"sentences":[{"text":"Completely.","start":1421.6051,"end":1422.1051,"sentiment":"positive","sentiment_score":0.3823896050453186},{"text":"My boss always wants to have meetings in the afternoon.","start":1422.805,"end":1425.2251,"sentiment":"neutral","sentiment_score":0.14191927686333655},{"text":"It's like, really?","start":1425.365,"end":1426.265,"sentiment":"neutral","sentiment_score":0.06037891407807668},{"text":"Let me get something that I see.","start":1426.645,"end":1428.3451,"sentiment":"neutral","sentiment_score":0.09151592957121986},{"text":"Yeah.","start":1430.0499,"end":1430.37,"sentiment":"neutral","sentiment_score":0.04719670116901398}],"sentiment":"neutral","sentiment_score":0.12138760564002124,"num_words":22,"start":1421.6051,"end":1430.37},{"sentences":[{"text":"Like, 02:00 to 03:00 every Friday afternoon.","start":1430.37,"end":1432.95,"sentiment":"neutral","sentiment_score":0.08352097975356239},{"text":"Yes.","start":1437.33,"end":1437.83,"sentiment":"positive","sentiment_score":0.3897169828414917},{"text":"It's well, it's saying that it's done it, so I'm not really sure what's happened.","start":1440.5299,"end":1444.815,"sentiment":"neutral","sentiment_score":-0.14626027643680573},{"text":"Just let me know.","start":1454.315,"end":1455.375,"sentiment":"neutral","sentiment_score":-0.08965288382023573},{"text":"Yeah.","start":1456.955,"end":1457.355,"sentiment":"neutral","sentiment_score":0.03921270743012428}],"sentiment":"neutral","sentiment_score":-0.05496211190308843,"num_words":28,"start":1430.37,"end":1457.355},{"sentences":[{"text":"Sure.","start":1457.355,"end":1457.85,"sentiment":"neutral","sentiment_score":-0.055660881102085114},{"text":"Okay.","start":1462.57,"end":1463.07,"sentiment":"neutral","sentiment_score":0.02436051517724991},{"text":"Yeah.","start":1464.41,"end":1464.73,"sentiment":"neutral","sentiment_score":0.07771323621273041},{"text":"No worries.","start":1464.73,"end":1465.47,"sentiment":"neutral","sentiment_score":0.13285871967673302},{"text":"No worries.","start":1469.69,"end":1470.2429,"sentiment":"neutral","sentiment_score":0.14683952927589417}],"sentiment":"neutral","sentiment_score":0.08654419545616422,"num_words":7,"start":1457.355,"end":1470.2429},{"sentences":[{"text":"No worries.","start":1470.2429,"end":1471.2029,"sentiment":"neutral","sentiment_score":0.09226410463452339},{"text":"That's okay.","start":1471.2029,"end":1472.1829,"sentiment":"positive","sentiment_score":0.41146570444107056},{"text":"Thank you.","start":1472.3229,"end":1473.0629,"sentiment":"positive","sentiment_score":0.7415735721588135},{"text":"You too.","start":1476.8829,"end":1477.6829,"sentiment":"positive","sentiment_score":0.595515102148056},{"text":"See you.","start":1477.6829,"end":1478.2429,"sentiment":"positive","sentiment_score":0.5857999324798584}],"sentiment":"positive","sentiment_score":0.4853236831724644,"num_words":10,"start":1470.2429,"end":1478.2429},{"sentences":[{"text":"Bye.","start":1478.2429,"end":1478.7429,"sentiment":"neutral","sentiment_score":0.330258309841156}],"sentiment":"neutral","sentiment_score":0.330258309841156,"num_words":1,"start":1478.2429,"end":1478.7429}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Good morning. This is Tom.\n\nChannel 1: Good morning. I've got Fiona on the phone for you.\n\nChannel 0: Amazing. Pop her through when you're ready, mate. Thank you so much.\n\nChannel 1: Not a problem. You've got her in 321.\n\nChannel 0: Good morning, Fiona. You're through to Tommy. How are you doing?\n\nChannel 1: Yeah. Good. How are you?\n\nChannel 0: I'm living the dream. Happy Friday to you.\n\nChannel 1: Yeah. Thank you. You too.\n\nChannel 0: Hey. Hey. Thank you so much for calling back in. I really do appreciate it.\n\nChannel 1: Sorry. I was just on my other\n\nChannel 0: No. You're more than fine. I\n\nChannel 1: phone.\n\nChannel 0: have this updated plan to send through to you. Will you be able to look on to the email with me today?\n\nChannel 1: Yeah. Sure.\n\nChannel 0: Cool. So I'll pop it through to your Yahoo email address, and I'll just let you know what's kind of coming through. So with these updated plans, there's quite a few of extra attachments here,\n\nChannel 1: Mhmm. Mhmm.\n\nChannel 0: but I just wanna go through that advice document in quotes with you. There is some updated service guides and just some product documents from the super and insurance providers.\n\nChannel 1: Okay.\n\nChannel 0: It should come through as a sign request from oath you statement of advice. And if you can grab that, we just\n\nChannel 1: Mhmm.\n\nChannel 0: wanna go inside the button there to look at the first document together.\n\nChannel 1: Yes. Sign document.\n\nChannel 0: Yep. You should see, like, a Gold Coast beachfront city picture on the front of the\n\nChannel 1: Mhmm.\n\nChannel 0: first document.\n\nChannel 1: Yep. No worries.\n\nChannel 0: Perfect. Now I'm not sure if you're on a computer or phone, but can you make out the text? Is it blurry at all?\n\nChannel 1: Oh, it's on computer. It's fine.\n\nChannel 0: Perfect. If you could swing down a few pages to pages three and four for me, it has, like, a scope of advice here.\n\nChannel 1: Mhmm.\n\nChannel 0: So as a bit of a recap for what we're doing, this document contains advice regarding the superannuation and the insurances. We were doing a little bit of a touch up on the portfolio in Hub, just trying to remove some of those underperforming options. And I did some quotes for increasing the income protection, if you recall, from your promotion.\n\nChannel 1: Mhmm. Yeah. That's right.\n\nChannel 0: Perfect. Now we did do a a range of quotes because we were kind of moving to I think we settled on about 5,500 a month would be kind of a reasonable amount, but we did\n\nChannel 1: Mhmm.\n\nChannel 0: quote on the maximum just so you've got that information there.\n\nChannel 1: Okay.\n\nChannel 0: A little bit of a win as well is I have found another provider who was offering more cover for a cheaper price. So\n\nChannel 1: Uh-huh.\n\nChannel 0: I have recommended somebody else, but I have included the, like, Clearview alteration as an alternative in case of a bit of a backup plan.\n\nChannel 1: Okay.\n\nChannel 0: Now if you keep going down, so estate planning wise, there's just a few reminders in there just to make sure that everything's in line to wills and powers of attorney. And you've already got beneficiary nominations in place. That's all\n\nChannel 1: Mhmm. Yes.\n\nChannel 0: good. And just past there, you'll see on pages sort of five and six, what's\n\nChannel 1: Yep.\n\nChannel 0: not included is more just your personal financial goals.\n\nChannel 1: Mhmm.\n\nChannel 0: So\n\nChannel 1: Yep.\n\nChannel 0: in the future, you were gonna buy some land when your son turns 18 and\n\nChannel 1: Yep.\n\nChannel 0: just doing\n\nChannel 1: Yep.\n\nChannel 0: some\n\nChannel 1: Pretty\n\nChannel 0: rentals.\n\nChannel 1: much.\n\nChannel 0: Perfect. If you swing down past there, you'll see the limited advice warning. Again, we're not covering everything. And\n\nChannel 1: Yep.\n\nChannel 0: if the information is not correct, it may impact the advice.\n\nChannel 1: Mhmm.\n\nChannel 0: We've got the about you section. I'm assuming not too many changes here, but\n\nChannel 1: None.\n\nChannel 0: we've got phone, email, income, occupation, and then\n\nChannel 1: Yep.\n\nChannel 0: assets and liabilities on the next page.\n\nChannel 1: Property. Yep.\n\nChannel 0: Again, it's just the home savings,\n\nChannel 1: Yep.\n\nChannel 0: motorbike.\n\nChannel 1: That's all about\n\nChannel 0: Got the\n\nChannel 1: the\n\nChannel 0: solar\n\nChannel 1: same.\n\nChannel 0: in there.\n\nChannel 1: Savings\n\nChannel 0: Yep.\n\nChannel 1: too is probably up to about $20 now.\n\nChannel 0: Nice. That's looking good.\n\nChannel 1: Mortgage. Yeah.\n\nChannel 0: And\n\nChannel 1: Still got a mortgage.\n\nChannel 0: yep.\n\nChannel 1: Solar and battery box. Yeah. I'm still paying that off.\n\nChannel 0: Beautiful. If you swing past there so this is the first part I wanted to point out to you under your current risk protection portfolio, red heading.\n\nChannel 1: Mhmm.\n\nChannel 0: So you've got the life and TPD insurance for about 0.5 a mil, and you've got the income protection, which is sitting at 4,900 a month, ninety days per year. Can\n\nChannel 1: Mhmm. Yeah.\n\nChannel 0: you see the bottom underneath that table? The the premiums\n\nChannel 1: Yeah.\n\nChannel 0: are currently about 3,000. So what I was able to find was that bumping up the income protection with Clearview would get us to about 3,400. So about a 10% increase. Not too crazy, but\n\nChannel 1: Yeah.\n\nChannel 0: I did find one path would offer the cover for less 2,600 for the full income protection and the same amount of life and TPD.\n\nChannel 1: Okay.\n\nChannel 0: So we'll keep swinging through. I'll go through the super first, and then I'll kind of run through a few points on the insurances.\n\nChannel 1: Mhmm.\n\nChannel 0: We've got your risk profile. There is growth, so we're not changing your category,\n\nChannel 1: Yep.\n\nChannel 0: just\n\nChannel 1: Correct.\n\nChannel 0: the underlying investments.\n\nChannel 1: Yep.\n\nChannel 0: Cool. The first sort of text heavy page on twelve and thirteen, you'll see strategy recommendation.\n\nChannel 1: Yeah. Let's see. Thank you.\n\nChannel 0: So to kind of summarize this a little bit is we're not doing a full retirement projection for seventeen years because that's probably a bit too far to be accurate with.\n\nChannel 1: Yeah.\n\nChannel 0: We have\n\nChannel 1: Correct.\n\nChannel 0: included the usual ten years for the time being.\n\nChannel 1: Mhmm.\n\nChannel 0: We've looked at some replacement options for a few options in your portfolio that are kind of lower fee asset options. So lower fees, better performance, and, again, not really changing your risk profile.\n\nChannel 1: Uh-huh.\n\nChannel 0: If you go past there, you'll see a table on the next page with advantages and disadvantages.\n\nChannel 1: Mhmm.\n\nChannel 0: So the main things to be aware of is anytime we change investments within super, there is capital gains tax under the hood that we have to factor in. It\n\nChannel 1: Yeah.\n\nChannel 0: only came out to be about $3.70 to update everything, and there's also a brokerage fee. Because\n\nChannel 1: Yep.\n\nChannel 0: Oku uses these low fee ETF, you gotta pay that 0.11% to purchase them. Once you've got them, they're the lowest fee investment you can have.\n\nChannel 1: Yep.\n\nChannel 0: Now if you swing down past there, there's some general warnings about the market. Obviously, we can't control the weather, but we\n\nChannel 1: Mhmm.\n\nChannel 0: can pick and choose the fund managers and investments and some alternatives we did consider. But the main table I wanted to show you is on page fifteen and sixteen. You\n\nChannel 1: Yeah.\n\nChannel 0: should see fee comparison. K. Now if you can make out this table, it should say current, recommended, and different. I just wanna\n\nChannel 1: Yes.\n\nChannel 0: kind of bring you to that right hand column for the time being.\n\nChannel 1: So if\n\nChannel 0: So\n\nChannel 1: what does that mean?\n\nChannel 0: at the top right, I've got a minus three seventy one. That's\n\nChannel 1: Yeah.\n\nChannel 0: that capital gains tax I was talking about.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Underneath that, you've got a plus four thirty three. We've managed to chop the investment fees in half.\n\nChannel 1: Okay. Mhmm.\n\nChannel 0: So that'll save you more than the capital gains tax in the first year. And because they're percentage based,\n\nChannel 1: Mhmm.\n\nChannel 0: as your super grows, the fee savings will just widen. $327 is a net savings on the insurance premiums. That's\n\nChannel 1: Okay.\n\nChannel 0: with the new provider with the increased income protection.\n\nChannel 1: Mhmm.\n\nChannel 0: And then at the bottom, we're bringing your five year average up from 8.12 to 10.62. Again, benchmark for growth risk profile is about 9%. And if we\n\nChannel 1: Yes.\n\nChannel 0: can keep you above that ten, eleven, 12, you're above benchmark.\n\nChannel 1: Mhmm.\n\nChannel 0: So what that really equates to on the next page, we've got a bit of a projection here, and we're estimating about a $100,000 more in 10 time. That's\n\nChannel 1: Yeah.\n\nChannel 0: including the fee savings, the performance, and the reduced insurance premium.\n\nChannel 1: Okay. That's good.\n\nChannel 0: Cool. Performance underneath that, I just wanted to show you basically the consistency across all time periods is one, three, five, and ten years. We're trying to keep it as close to double digits as possible in\n\nChannel 1: Mhmm.\n\nChannel 0: every time period.\n\nChannel 1: Yep. Yep. That's good.\n\nChannel 0: Cool. Now the last sort of digit heavy pages here, we've got a very colorful investment table on the next page. Now what this basically means can you see the second last column where it says target weight percentage?\n\nChannel 1: Yep. Yep. Yep.\n\nChannel 0: So this is what we're recommending, and everything that has a zero is getting replaced, and everything with a round number is either being rebalanced back to where it should be, or it's a new option, which is the four at the bottom.\n\nChannel 1: Okay.\n\nChannel 0: So what we're basically doing is the Bennelong option that you had that's going a couple of the options that have grown a little bit were also just kind of taking some profits from now,\n\nChannel 1: Mhmm.\n\nChannel 0: And the government was also phasing out a type of a term deposit or the bank hybrid. So that's coming in next year. So I've just recommended to switch that out early before that happens. Mhmm. We're still keeping gold and cybersecurity.\n\nThey're fantastic satellite. We've still got your S and P five 100, which is like your American shares. And\n\nChannel 1: You\n\nChannel 0: at\n\nChannel 1: can\n\nChannel 0: the bottom, the very last option, beta shares Australia 200, that's your\n\nChannel 1: yeah.\n\nChannel 0: replacement for Phenolone, which is that\n\nChannel 1: Okay.\n\nChannel 0: kind of low fee index fund I was talking\n\nChannel 1: Yeah.\n\nChannel 0: about. So rather than just switching two options out, I am recommending to pretty much update as much as possible,\n\nChannel 1: Mhmm.\n\nChannel 0: and it's not gonna cost that much in terms of tax. Now last\n\nChannel 1: Okay.\n\nChannel 0: thing here, if you swing over, there'll be a cash table on the next page. Just wanna go past that one through the pie chart on the following page.\n\nChannel 1: Mhmm.\n\nChannel 0: Now main thing to keep in mind here is because of the growth risk profile, we need to keep you between 80 to 90% in growth assets. That's that middle row in gray, growth total.\n\nChannel 1: Yes. Yep.\n\nChannel 0: Yep. So the risk profile says 80 is the target. You're sitting at about 82. When we rebalance everything, you'll be at about 85, but slightly higher in growth assets, but still within that 80 to 90 band.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: K? That's 3% increase in growth assets. That's not gonna, you know, increase your volatility. It's not gonna be more risky. Normally, that would be the case, but that bet along option was so volatile that just taking that out to reduce your volatility massively.\n\nThat's pretty much it for the super side of things. So, again, it's a bit of an engine tune up on the portfolio. Keep it in line with those double digits, but do you have any questions\n\nChannel 1: Mhmm.\n\nChannel 0: for me?\n\nChannel 1: No. No. That's good. That explains right now. Right.\n\nYep. Cool.\n\nChannel 0: Alrighty. On the next page so here we've got the insurances.\n\nChannel 1: Yep.\n\nChannel 0: And what we're basically looking at is we want to try and go with a provider called OnePath. They they link in with Zurich. At the bottom of that table, they're offering the life TBD income protection with the 5,500 amount for 2,600 a year as opposed to 3,400.\n\nChannel 1: Yep. Yeah. That's good.\n\nChannel 0: You get a 15¢ rebate off of that as well, so the total that comes out of the super is $22.24 and 31¢. And this also includes I believe you would still be on smokers' rates, I believe.\n\nChannel 1: Yes.\n\nChannel 0: Yep. So if at some point we got you, say, twelve months nicotine free, that would also drop to, like, 1,400\n\nChannel 1: Correct.\n\nChannel 0: if we could\n\nChannel 1: Okay.\n\nChannel 0: take that off too.\n\nChannel 1: Alright.\n\nChannel 0: Now the main question for this is we're obviously put in place the new policy before we cancel the old one just to make sure there's no gap.\n\nChannel 1: Yep.\n\nChannel 0: And the previous new policy, I'm just having a look at the inception date, was April 2024.\n\nChannel 1: Mhmm.\n\nChannel 0: So the main question here is when we go through an application, they're gonna ask about occupation and health questions, and\n\nChannel 1: Yep.\n\nChannel 0: we'll have all the information from Clearview. But have you had any, like, diagnosis, medications, or health episodes between 2024 and\n\nChannel 1: No.\n\nChannel 0: now?\n\nChannel 1: No. I'm very boring.\n\nChannel 0: That's good. I much prefer that because you can get all kinds of things popping up. So\n\nChannel 1: Yeah. No. No. Thanks.\n\nChannel 0: amazing. So if there's no issues health wise, I think\n\nChannel 1: No.\n\nChannel 0: we should go for the replacement provider and just\n\nChannel 1: Yeah.\n\nChannel 0: get\n\nChannel 1: Correct.\n\nChannel 0: those premiums down.\n\nChannel 1: I agree.\n\nChannel 0: Cool. What else is there in the document? So it goes through and, again, apologies for the amount of text in here. As you scroll through, it just talks about how we arrived at these figures together. There's a needs analysis about covering the mortgage and popping up your income.\n\nWe're not doing any trauma insurance out of pocket. It's just trying to fix up that income protection.\n\nChannel 1: Yeah.\n\nChannel 0: So we've got premium impact\n\nChannel 1: Okay.\n\nChannel 0: table on page 24. Sorry. Just looking at the bottom of like, page numbers on the bottom of the pages.\n\nChannel 1: Twenty twenty four, did you say?\n\nChannel 0: Yep. It should say outcomes in, like, the little gray bar and then a very small table underneath it where it says, like, premium, five year impact, and ten year impact.\n\nChannel 1: Yes. Yep. Yep.\n\nChannel 0: Yep. So current is the current premiums and and portfolio, brings you to about 382,000. With the saved premiums and the new portfolio, you're gonna go to four eighty four estimate. And it also just says, look. If you had no premiums whatsoever, you'd probably be clearing this over 500,000.\n\nSo it just shows you the impact the premiums do have.\n\nChannel 1: Okay.\n\nChannel 0: Cool. Any questions on the insurance side of things?\n\nChannel 1: No.\n\nChannel 0: Cool. When we get that in place, because there'll be a not new life insurance policy, we will just\n\nChannel 1: Yep.\n\nChannel 0: have to put in place another beneficiary nomination for that one with the new\n\nChannel 1: Okay.\n\nChannel 0: provider. So that's basically pages 28 onwards. A few reminders about wills and powers of attorney, which I don't need to remind you why\n\nChannel 1: Yes.\n\nChannel 0: that is important.\n\nChannel 1: Mhmm.\n\nChannel 0: The other thing to bear in mind is just in terms of opioid remuneration. So any policy that we put in for, we still get paid, like, 66% of the first year's premium, whichever provider it is, and then 22% ongoing to kind of look after the policy, help you with any claims, and also provide you with claims advice if you do do an insurance claim.\n\nChannel 1: Okay.\n\nChannel 0: Okay? From here, if you're happy with everything,\n\nChannel 1: Yep.\n\nChannel 0: the rest of these attachments is essentially an appendix with some research, a one path quote that we need you to sign off on, and this statement of advice has an authority to sign at the bottom of the second last\n\nChannel 1: Okay. Let's have a look. Oh, yeah. Cool.\n\nChannel 0: page. Alright. So this basically sign the statement of advice, and then it'll let you go next document to skip the appendix. It'll ask you to sign the quote, which, fortunately, is, like, nine pages long, so it's on the full page.\n\nChannel 1: Okay.\n\nChannel 0: And then everything else in that pack is pretty much skippable. Service guides, pub PDFs. Once you get to the very end and skip through all sort of nine documents, it'll have, like, a validate button for you.\n\nChannel 1: Okay. I have to find that one. What do your documents look like? What we see is the customers to be on it?\n\nChannel 0: Yeah. It's a bit of fun light reading. I've done it quite a few times going through all of these bit by bit,\n\nChannel 1: Okay.\n\nChannel 0: and it\n\nChannel 1: So\n\nChannel 0: can\n\nChannel 1: there's\n\nChannel 0: be\n\nChannel 1: no signatures\n\nChannel 0: quite a lot of\n\nChannel 1: needed\n\nChannel 0: pages.\n\nChannel 1: on everything. Validate and send.\n\nChannel 0: No. Correct.\n\nChannel 1: Okay.\n\nChannel 0: Now that spinning circle, when you hit validate, it may actually hang there for a good twenty seconds\n\nChannel 1: Yeah.\n\nChannel 0: or so\n\nChannel 1: It\n\nChannel 0: just\n\nChannel 1: is.\n\nChannel 0: because\n\nChannel 1: Yeah.\n\nChannel 0: the amount of pages in there.\n\nChannel 1: Mhmm.\n\nChannel 0: While that's loading, so we do have ID on file that seems up to date expiring in 2028. So we'll certify that with the insurance application.\n\nChannel 1: Mhmm.\n\nChannel 0: And, basically, from there, I just need to work out with you when would be a good date and time to go through the insurance application with the\n\nChannel 1: That's a good question. Let's have a look.\n\nChannel 0: team.\n\nChannel 1: Definitely not a Monday. My computer is not working.\n\nChannel 0: Okay. It's always the way on a Friday.\n\nChannel 1: Oh, you have no idea. Like, come on. Let me open my calendar. I think I've got, you know, 200 tabs open, so I was gonna have a bit of a meltdown.\n\nChannel 0: Oh, yeah. I closed about forty before this call because I had so many clients open.\n\nChannel 1: What if we say, like, next Tuesday?\n\nChannel 0: Yeah. Next\n\nChannel 1: Is\n\nChannel 0: Tuesday,\n\nChannel 1: that okay?\n\nChannel 0: we do have some yeah. Absolutely. We\n\nChannel 1: Does\n\nChannel 0: just\n\nChannel 1: it take\n\nChannel 0: need to\n\nChannel 1: very\n\nChannel 0: get it\n\nChannel 1: long?\n\nChannel 0: in before no. That twenty minutes max. We'll\n\nChannel 1: Okay.\n\nChannel 0: prefill everything from the previous application, and then it which which is running through, can you confirm all of this? And if there's\n\nChannel 1: Yes.\n\nChannel 0: been no changes, no no no no no. It only takes longer if something does pop up and you have to go into more depth.\n\nChannel 1: Mhmm.\n\nChannel 0: So on a Tuesday, we're still on no daylight savings, which is great. Tasmania's still the oh, sorry.\n\nChannel 1: Oh, there we\n\nChannel 0: You're\n\nChannel 1: go.\n\nChannel 0: in Queensland too.\n\nChannel 1: Yep. Queensland. What?\n\nChannel 0: We've got availability pretty much. Would morning or afternoon be better for you?\n\nChannel 1: Morning.\n\nChannel 0: Morning. Okay. We do\n\nChannel 1: Nine\n\nChannel 0: have\n\nChannel 1: ten, something like that. Possible.\n\nChannel 0: have a quick look at someone at there. Nine and 10:00 are okay.\n\nChannel 1: Okay. Let's do 09:00.\n\nChannel 0: 09:00. Easy done.\n\nChannel 1: Okay.\n\nChannel 0: Gonna plug this into the calendar for the team.\n\nChannel 1: Yep. Cool.\n\nChannel 0: And that's pretty much it. I'll just run through that. Once the\n\nChannel 1: Mhmm.\n\nChannel 0: new policy is enforced, we'll cancel the old one, and I'll give you, like, a pro rata refund into the super account.\n\nChannel 1: Perfect.\n\nChannel 0: Alrighty. Look. Thank you so much for for calling back in. Do you have any questions at this point?\n\nChannel 1: No. That's all fine. That's good.\n\nChannel 0: Easy done, Fiona. From here, we do have a bit of an annual review scheduled for around about May of next year, April, May. Is there anything you want me to put in for this side of Christmas? Anything you need before?\n\nChannel 1: Yep. No. Nothing at all.\n\nChannel 0: Amazing.\n\nChannel 1: No. I'm\n\nChannel 0: And\n\nChannel 1: happy.\n\nChannel 0: I'll just\n\nChannel 1: As long as\n\nChannel 0: double\n\nChannel 1: it makes\n\nChannel 0: check.\n\nChannel 1: money, I'm good.\n\nChannel 0: Yeah. Absolutely. Now I don't know if your Odoo sign is still doing a spinning circle of\n\nChannel 1: No.\n\nChannel 0: pain\n\nChannel 1: It\n\nChannel 0: there.\n\nChannel 1: it\n\nChannel 0: I\n\nChannel 1: it's\n\nChannel 0: haven't.\n\nChannel 1: it hasn't come through yet. Like, I clicked on\n\nChannel 0: No.\n\nChannel 1: it\n\nChannel 0: It\n\nChannel 1: and\n\nChannel 0: hasn't\n\nChannel 1: it did\n\nChannel 0: come\n\nChannel 1: the,\n\nChannel 0: through\n\nChannel 1: you\n\nChannel 0: just\n\nChannel 1: know,\n\nChannel 0: yet.\n\nChannel 1: the blue wheel, and now it's just going back so I can scroll through things. But down the bottom, it still says validate and send, but it won't let me click on it anymore.\n\nChannel 0: Okay. Why don't you click on it? Alright. I'll give\n\nChannel 1: Because\n\nChannel 0: that a minute.\n\nChannel 1: I already\n\nChannel 0: And\n\nChannel 1: had. Yeah.\n\nChannel 0: yeah.\n\nChannel 1: Right.\n\nChannel 0: Like, it's already done it, and now it's grayed out.\n\nChannel 1: Yeah. Pretty much.\n\nChannel 0: Then maybe just quickly before I let you go, were you able to sign and date everything on that quote that on the fourth page?\n\nChannel 1: Yes. And let me and let me do everything.\n\nChannel 0: Yep. Right there. Perfect. So just signatures on statement of advice and quote. Nothing on the other one.\n\nMay need a bit of a refresh, so might have to try again a little bit later. If you have any issues, just give us a buzz, give us a text or email, and I can get that reset as well.\n\nChannel 1: Okay. No worries. It let me go back to the\n\nChannel 0: Awesome.\n\nChannel 1: initial email and do it again. So I'll do that and see if it there we go. It says it's sending it again.\n\nChannel 0: Always seems to be on a Friday. Definitely\n\nChannel 1: Yeah.\n\nChannel 0: the way.\n\nChannel 1: It always is. Completely. My boss always wants to have meetings in the afternoon. It's like, really? Let me get something that I see.\n\nChannel 0: Afternoon on a Friday? Or\n\nChannel 1: Yeah. Like, 02:00 to 03:00 every Friday afternoon.\n\nChannel 0: get all recap how the week's gone and\n\nChannel 1: Yes.\n\nChannel 0: get some fresh plans for the next week ahead.\n\nChannel 1: It's well, it's saying that it's done it, so I'm not really sure what's happened.\n\nChannel 0: So that's not too much of a problem. If it doesn't come through sort of the next half an hour or so,\n\nChannel 1: Just let\n\nChannel 0: I'll\n\nChannel 1: me\n\nChannel 0: do\n\nChannel 1: know.\n\nChannel 0: a bit of a resend.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Sure.\n\nChannel 0: If it doesn't work a second time, we can just switch to, like, Adobe sign or a different program altogether\n\nChannel 1: Okay.\n\nChannel 0: if we need to.\n\nChannel 1: Yeah. No worries.\n\nChannel 0: Alright, Thank you so much for taking the time and battling\n\nChannel 1: No worries.\n\nChannel 0: through\n\nChannel 1: No\n\nChannel 0: the IT\n\nChannel 1: worries.\n\nChannel 0: with me today.\n\nChannel 1: That's okay. Thank you.\n\nChannel 0: Awesome. I'll let you go. Have a great weekend.\n\nChannel 1: You too. See you. Bye.\n\nChannel 0: Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Good morning.","start":1.76,"end":2.32,"sentiment":"neutral","sentiment_score":0.26485511660575867},{"text":"This is Tom.","start":2.32,"end":3.3,"sentiment":"neutral","sentiment_score":0.18588460981845856}],"sentiment":"neutral","sentiment_score":0.2174728125333786,"channel":0,"num_words":5,"start":1.76,"end":3.3},{"sentences":[{"text":"Good morning.","start":3.9199998,"end":4.66,"sentiment":"positive","sentiment_score":0.3838129937648773},{"text":"I've got Fiona on the phone for you.","start":4.72,"end":6.8999996,"sentiment":"positive","sentiment_score":0.41435008123517036}],"sentiment":"positive","sentiment_score":0.40824266374111173,"channel":1,"num_words":10,"start":3.9199998,"end":6.8999996},{"sentences":[{"text":"Amazing.","start":7.9199996,"end":8.42,"sentiment":"positive","sentiment_score":0.7598623037338257},{"text":"Pop her through when you're ready, mate.","start":8.559999,"end":9.76,"sentiment":"positive","sentiment_score":0.5206836674894605},{"text":"Thank you so much.","start":9.76,"end":10.82,"sentiment":"positive","sentiment_score":0.7146747559309006}],"sentiment":"positive","sentiment_score":0.605278916656971,"channel":0,"num_words":12,"start":7.9199996,"end":10.82},{"sentences":[{"text":"Not a problem.","start":11.12,"end":11.679999,"sentiment":"neutral","sentiment_score":0.2971298098564148},{"text":"You've got her in 321.","start":11.679999,"end":13.299999,"sentiment":"neutral","sentiment_score":0.13195157647132874}],"sentiment":"neutral","sentiment_score":0.193893413990736,"channel":1,"num_words":8,"start":11.12,"end":13.299999},{"sentences":[{"text":"Good morning, Fiona.","start":17.755,"end":18.795,"sentiment":"neutral","sentiment_score":0.2707994530598323},{"text":"You're through to Tommy.","start":18.795,"end":19.755,"sentiment":"neutral","sentiment_score":0.25969021394848824},{"text":"How are you doing?","start":19.755,"end":20.574999,"sentiment":"neutral","sentiment_score":0.23568833246827126}],"sentiment":"neutral","sentiment_score":0.2539920495315032,"channel":0,"num_words":11,"start":17.755,"end":20.574999},{"sentences":[{"text":"Yeah.","start":20.825,"end":21.145,"sentiment":"neutral","sentiment_score":0.23051615059375763},{"text":"Good.","start":21.145,"end":21.385,"sentiment":"positive","sentiment_score":0.3697717785835266},{"text":"How are you?","start":21.385,"end":22.205,"sentiment":"neutral","sentiment_score":0.3238475521405538}],"sentiment":"neutral","sentiment_score":0.3143661171197891,"channel":1,"num_words":5,"start":20.825,"end":22.205},{"sentences":[{"text":"I'm living the dream.","start":22.715,"end":23.675,"sentiment":"positive","sentiment_score":0.6330981403589249},{"text":"Happy Friday to you.","start":23.675,"end":24.974998,"sentiment":"positive","sentiment_score":0.5841329544782639}],"sentiment":"positive","sentiment_score":0.6086155474185944,"channel":0,"num_words":8,"start":22.715,"end":24.974998},{"sentences":[{"text":"Yeah.","start":25.065,"end":25.465,"sentiment":"neutral","sentiment_score":0.28401005268096924},{"text":"Thank you.","start":25.465,"end":26.025002,"sentiment":"positive","sentiment_score":0.4640243947505951},{"text":"You too.","start":26.025002,"end":26.765,"sentiment":"neutral","sentiment_score":0.2588070034980774}],"sentiment":"positive","sentiment_score":0.34593456983566284,"channel":1,"num_words":5,"start":25.065,"end":26.765},{"sentences":[{"text":"Hey.","start":27.195,"end":27.39,"sentiment":"neutral","sentiment_score":0.2210964560508728},{"text":"Hey.","start":27.55,"end":27.71,"sentiment":"neutral","sentiment_score":0.26328355073928833},{"text":"Thank you so much for calling back in.","start":27.71,"end":29.15,"sentiment":"positive","sentiment_score":0.5720846801996231},{"text":"I really do appreciate it.","start":29.15,"end":30.529999,"sentiment":"positive","sentiment_score":0.5775872707366944}],"sentiment":"positive","sentiment_score":0.5299329201380412,"channel":0,"num_words":15,"start":27.195,"end":30.529999},{"sentences":[{"text":"Sorry.","start":30.84,"end":31.0,"sentiment":"neutral","sentiment_score":-0.052763454616069794},{"text":"I was just on my other","start":31.0,"end":32.3,"sentiment":"neutral","sentiment_score":-0.06925335464378198}],"sentiment":"neutral","sentiment_score":-0.0668976546398231,"channel":1,"num_words":7,"start":30.84,"end":32.3},{"sentences":[{"text":"No.","start":33.149998,"end":33.39,"sentiment":"neutral","sentiment_score":-0.08100588619709015},{"text":"You're more than fine.","start":33.39,"end":34.61,"sentiment":"neutral","sentiment_score":-0.01587288547307253},{"text":"I","start":34.989998,"end":35.23,"sentiment":"neutral","sentiment_score":0.029587682336568832}],"sentiment":"neutral","sentiment_score":-0.01915162429213524,"channel":0,"num_words":6,"start":33.149998,"end":35.23},{"sentences":[{"text":"phone.","start":35.0,"end":35.5,"sentiment":"neutral","sentiment_score":0.02670782431960106}],"sentiment":"neutral","sentiment_score":0.02670782431960106,"channel":1,"num_words":1,"start":35.0,"end":35.5},{"sentences":[{"text":"have this updated plan to send through to you.","start":35.23,"end":38.37,"sentiment":"neutral","sentiment_score":0.03757888968620035},{"text":"Will you be able to look on to the email with me 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work a second time, we can just switch to, like, Adobe sign or a different program altogether","start":1457.63,"end":1462.6699,"sentiment":"neutral","sentiment_score":-0.017154193483293056}],"sentiment":"neutral","sentiment_score":-0.017154193483293056,"channel":0,"num_words":20,"start":1457.63,"end":1462.6699},{"sentences":[{"text":"Okay.","start":1462.57,"end":1463.07,"sentiment":"neutral","sentiment_score":0.02436051517724991}],"sentiment":"neutral","sentiment_score":0.02436051517724991,"channel":1,"num_words":1,"start":1462.57,"end":1463.07},{"sentences":[{"text":"if we need to.","start":1462.6699,"end":1463.445,"sentiment":"neutral","sentiment_score":0.010237712413072586}],"sentiment":"neutral","sentiment_score":0.010237712413072586,"channel":0,"num_words":4,"start":1462.6699,"end":1463.445},{"sentences":[{"text":"Yeah.","start":1464.41,"end":1464.73,"sentiment":"neutral","sentiment_score":0.07771323621273041},{"text":"No 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you.","start":1477.6829,"end":1478.2429,"sentiment":"positive","sentiment_score":0.5857999324798584},{"text":"Bye.","start":1478.2429,"end":1478.7429,"sentiment":"neutral","sentiment_score":0.330258309841156}],"sentiment":"positive","sentiment_score":0.538577675819397,"channel":1,"num_words":5,"start":1476.8829,"end":1478.7429},{"sentences":[{"text":"Thanks.","start":1479.7529,"end":1480.2529,"sentiment":"positive","sentiment_score":0.5770319104194641},{"text":"Bye.","start":1480.393,"end":1480.893,"sentiment":"neutral","sentiment_score":-0.1197126731276512}],"sentiment":"neutral","sentiment_score":0.22865961864590645,"channel":0,"num_words":2,"start":1479.7529,"end":1480.893}]},"summary":{"result":"success","short":"The insurance agent discusses updated plans and advice documents with Fiona, including a focus on financial goals and risk protection. They recommend updating risk profiles and rebalancing options as needed, and emphasize the importance of maintaining growth assets and maintaining a low growth rate. The agent emphasizes the need for a statement of advice and updating insurance applications, and offers assistance with signing and date everything. They also remind the customer to check for updates on their insurance application and offer assistance with signing and date everything."},"intents":{"segments":[{"text":"This is Tom. Good morning. I've got Fiona on the phone for you. Amazing. Pop her through when you're ready, mate. Thank you so much. Not a problem. You've got her in 321. Good morning, Fiona. You're through to Tommy. How are you doing? Yeah.","start_word":2,"end_word":46,"intents":[{"intent":"Introduce oneself","confidence_score":0.0025541082}]},{"text":"Happy Friday to you. Yeah.","start_word":55,"end_word":59,"intents":[{"intent":"Say goodbye","confidence_score":0.0040815515}]},{"text":"Thank you so much for calling back in. I really do appreciate it. Sorry.","start_word":66,"end_word":79,"intents":[{"intent":"Offer assistance","confidence_score":0.001293768},{"intent":"Express appreciation","confidence_score":0.057124466},{"intent":"Offer assistance","confidence_score":0.03220641},{"intent":"Express gratitude","confidence_score":0.012069227}]},{"text":"have this updated plan to send through to you. Will you be able to look on to the email with me today? Yeah.","start_word":93,"end_word":115,"intents":[{"intent":"Request update","confidence_score":0.0150385415},{"intent":"Update plan","confidence_score":0.0072847446}]},{"text":"Now I'm not sure if you're on a computer or phone, but can you make out the text? Is it blurry at all?","start_word":247,"end_word":269,"intents":[{"intent":"Request clarification","confidence_score":0.006838863}]},{"text":"If you could swing down a few pages to pages three and four for me, it has, like, a scope of advice here.","start_word":277,"end_word":299,"intents":[{"intent":"Provide advice","confidence_score":0.07385879}]},{"text":"And I did some quotes for increasing the income protection, if you recall, from your promotion.","start_word":347,"end_word":362,"intents":[{"intent":"Request quotes","confidence_score":0.0073674372}]},{"text":"If you swing past there so this is the first part I wanted to point out to you under your current risk protection portfolio, red heading.","start_word":677,"end_word":702,"intents":[{"intent":"Highlight risk protection portfolio","confidence_score":0.0054182336}]},{"text":"Once you've got them, they're the lowest fee investment you can have. Yep.","start_word":1038,"end_word":1050,"intents":[{"intent":"Show pricing and comparison","confidence_score":0.0006535227}]},{"text":"So that'll save you more than the capital gains tax in the first year.","start_word":1192,"end_word":1205,"intents":[{"intent":"Save money and compare costs","confidence_score":0.0006139789}]},{"text":"Again, benchmark for growth risk profile is about 9%. And if we Yes.","start_word":1259,"end_word":1271,"intents":[{"intent":"Estimate growth risk profile","confidence_score":0.16597992}]},{"text":"Performance underneath that, I just wanted to show you basically the consistency across all time periods is one, three, five, and ten years. We're trying to keep it as close to double digits as possible in Mhmm. every time period. Yep.","start_word":1329,"end_word":1369,"intents":[{"intent":"Highlight consistent performance","confidence_score":0.0019349391}]},{"text":"So this is what we're recommending, and everything that has a zero is getting replaced, and everything with a round number is either being rebalanced back to where it should be, or it's a new option, which is the four at the bottom. Okay.","start_word":1415,"end_word":1458,"intents":[{"intent":"Rebalance investments","confidence_score":0.3773682}]},{"text":"those premiums down. I agree. Cool.","start_word":2102,"end_word":2107,"intents":[{"intent":"Advise on premiums","confidence_score":0.000019493515}]},{"text":"the rest of these attachments is essentially an appendix with some research, a one path quote that we need you to sign off on, and this statement of advice has an authority to sign at the bottom of the second last Okay.","start_word":2455,"end_word":2496,"intents":[{"intent":"Sign declaration of advice","confidence_score":0.000057356236}]},{"text":"I think I've got, you know, 200 tabs open, so I was gonna have a bit of a meltdown. Oh, yeah.","start_word":2781,"end_word":2801,"intents":[{"intent":"Navigate document tabs","confidence_score":0.0000794393}]},{"text":"From here, we do have a bit of an annual review scheduled for around about May of next year, April, May.","start_word":3055,"end_word":3075,"intents":[{"intent":"Schedule review","confidence_score":0.2643751}]},{"text":"If you have any issues, just give us a buzz, give us a text or email, and I can get that reset as well. Okay.","start_word":3301,"end_word":3325,"intents":[{"intent":"Request help","confidence_score":0.008240254}]}]},"sentiments":{"segments":[{"text":"Good morning. This is Tom.","start_word":0,"end_word":4,"sentiment":"neutral","sentiment_score":0.22357603907585144},{"text":"Good morning. I've got Fiona on the phone for you. Amazing. Pop her through when you're ready, mate. Thank you so much.","start_word":5,"end_word":26,"sentiment":"positive","sentiment_score":0.5036163330078125},{"text":"Not a problem. You've got her in 321. Good morning, Fiona. You're through to Tommy. How are you doing? Yeah.","start_word":27,"end_word":46,"sentiment":"neutral","sentiment_score":0.23260833323001864},{"text":"Good. How are you? I'm living the dream. Happy Friday to you.","start_word":47,"end_word":58,"sentiment":"positive","sentiment_score":0.5098056793212891},{"text":"Yeah.","start_word":59,"end_word":59,"sentiment":"neutral","sentiment_score":0.28401005268096924},{"text":"Thank you.","start_word":60,"end_word":61,"sentiment":"positive","sentiment_score":0.45197540521621704},{"text":"You too. Hey. Hey.","start_word":62,"end_word":65,"sentiment":"neutral","sentiment_score":0.24693548679351807},{"text":"Thank you so much for calling back in. I really do appreciate it.","start_word":66,"end_word":78,"sentiment":"positive","sentiment_score":0.5723312497138977},{"text":"Sorry. I was just on my other No. You're more than fine. I phone. have this updated plan to send through to you. Will you be able to look on to the email with me today? Yeah. Sure. Cool. So I'll pop it through to your Yahoo email address, and I'll just let you know what's kind of coming through. So with these updated plans, there's quite a few of extra attachments here, Mhmm. Mhmm. but I just wanna go through that advice document in quotes with you. There is some updated service guides and just some product documents from the super and insurance providers. Okay. It should come through as a sign request from oath you statement of advice. And if you can grab that, we just Mhmm. wanna go inside the button there to look at the first document together. Yes. Sign document. Yep. You should see, like, a Gold Coast beachfront city picture on the front of the Mhmm. first document. Yep. No worries. Perfect. Now I'm not sure if you're on a computer or phone, but can you make out the text? Is it blurry at all? Oh, it's on computer. It's fine. Perfect. If you could swing down a few pages to pages three and four for me, it has, like, a scope of advice here. Mhmm. So as a bit of a recap for what we're doing, this document contains advice regarding the superannuation and the insurances. We were doing a little bit of a touch up on the portfolio in Hub, just trying to remove some of those underperforming options. And I did some quotes for increasing the income protection, if you recall, from your promotion. Mhmm. Yeah.","start_word":79,"end_word":363,"sentiment":"neutral","sentiment_score":0.03167416684721645},{"text":"That's right. Perfect.","start_word":364,"end_word":366,"sentiment":"positive","sentiment_score":0.4647155702114105},{"text":"Now we did do a a range of quotes because we were kind of moving to I think we settled on about 5,500 a month would be kind of a reasonable amount, but we did Mhmm. quote on the maximum just so you've got that information there. Okay.","start_word":367,"end_word":414,"sentiment":"neutral","sentiment_score":0.15488144755363464},{"text":"A little bit of a win as well is I have found another provider who was offering more cover for a cheaper price.","start_word":415,"end_word":437,"sentiment":"positive","sentiment_score":0.39086562395095825},{"text":"So Uh-huh. I have recommended somebody else, but I have included the, like, Clearview alteration as an alternative in case of a bit of a backup plan. Okay. Now if you keep going down, so estate planning wise, there's just a few reminders in there just to make sure that everything's in line to wills and powers of attorney. And you've already got beneficiary nominations in place. That's all Mhmm. Yes. good. And just past there, you'll see on pages sort of five and six, what's Yep. not included is more just your personal financial goals. Mhmm. So Yep. in the future, you were gonna buy some land when your son turns 18 and just Yep. doing Yep. some Pretty rentals. much. Perfect. If you swing down past there, you'll see the limited advice warning. Again, we're not covering everything. And Yep. if the information is not correct, it may impact the advice. Mhmm. We've got the about you section. I'm assuming not too many changes here, but None. we've got phone, email, income, occupation, and then Yep. assets and liabilities on the next page. Property. Yep. Again, it's just the home savings, motorbike. Yep. That's all Got about the the solar same. in there. Savings Yep. too is probably up to about $20 now.","start_word":438,"end_word":652,"sentiment":"neutral","sentiment_score":0.04206039011478424},{"text":"Nice. That's looking good.","start_word":653,"end_word":656,"sentiment":"positive","sentiment_score":0.5230183005332947},{"text":"Mortgage. Yeah. And Still got a mortgage. yep. Solar and battery box. Yeah. I'm still paying that off.","start_word":657,"end_word":674,"sentiment":"neutral","sentiment_score":0.10732155293226242},{"text":"Beautiful.","start_word":675,"end_word":675,"sentiment":"positive","sentiment_score":0.6018192768096924},{"text":"If you swing past there so this is the first part I wanted to point out to you under your current risk protection portfolio, red heading. Mhmm. So you've got the life and TPD insurance for about 0.5 a mil, and you've got the income protection, which is sitting at 4,900 a month, ninety days per year. Can Mhmm. Yeah. you see the bottom underneath that table? The the premiums Yeah. are currently about 3,000. So what I was able to find was that bumping up the income protection with Clearview would get us to about 3,400. So about a 10% increase. Not too crazy, but Yeah. I did find one path would offer the cover for less 2,600 for the full income protection and the same amount of life and TPD. Okay. So we'll keep swinging through. I'll go through the super first, and then I'll kind of run through a few points on the insurances. Mhmm. We've got your risk profile. There is growth, so we're not changing your category, Yep. just Correct. the underlying investments. Yep.","start_word":676,"end_word":854,"sentiment":"neutral","sentiment_score":0.08080823719501495},{"text":"Cool.","start_word":855,"end_word":855,"sentiment":"positive","sentiment_score":0.37384653091430664},{"text":"The first sort of text heavy page on twelve and thirteen, you'll see strategy recommendation. Yeah. Let's see.","start_word":856,"end_word":873,"sentiment":"neutral","sentiment_score":0.13907483220100403},{"text":"Thank you.","start_word":874,"end_word":875,"sentiment":"positive","sentiment_score":0.45983824133872986},{"text":"So to kind of summarize this a little bit is we're not doing a full retirement projection for seventeen years because that's probably a bit too far to be accurate with. Yeah. We have Correct. included the usual ten years for the time being. Mhmm. We've looked at some replacement options for a few options in your portfolio that are kind of lower fee asset options. So lower fees, better performance, and, again, not really changing your risk profile. Uh-huh. If you go past there, you'll see a table on the next page with advantages and disadvantages. Mhmm. So the main things to be aware of is anytime we change investments within super, there is capital gains tax under the hood that we have to factor in. It Yeah. only came out to be about $3.70 to update everything, and there's also a brokerage fee. Because Yep. Oku uses these low fee ETF, you gotta pay that 0.11% to purchase them.","start_word":876,"end_word":1036,"sentiment":"neutral","sentiment_score":-0.061421461403369904},{"text":"Once you've got them, they're the lowest fee investment you can have.","start_word":1037,"end_word":1048,"sentiment":"positive","sentiment_score":0.39947524666786194},{"text":"Yep. Now if you swing down past there, there's some general warnings about the market. Obviously, we can't control the weather, but we Mhmm. can pick and choose the fund managers and investments and some alternatives we did consider. But the main table I wanted to show you is on page fifteen and sixteen. You Yeah. should see fee comparison. K. Now if you can make out this table, it should say current, recommended, and different. I just wanna Yes. kind of bring you to that right hand column for the time being. So if So what does that mean? at the top right, I've got a minus three seventy one. That's Yeah. that capital gains tax I was talking about. Okay. Yep. Underneath that, you've got a plus four thirty three. We've managed to chop the investment fees in half. Okay. Mhmm. So that'll save you more than the capital gains tax in the first year. And because they're percentage based, Mhmm. as your super grows, the fee savings will just widen. $327 is a net savings on the insurance premiums. That's Okay. with the new provider with the increased income protection. Mhmm. And then at the bottom, we're bringing your five year average up from 8.12 to 10.62. Again, benchmark for growth risk profile is about 9%. And if we Yes. can keep you above that ten, eleven, 12, you're above benchmark. Mhmm. So what that really equates to on the next page, we've got a bit of a projection here, and we're estimating about a $100,000 more in 10 time. That's Yeah. including the fee savings, the performance, and the reduced insurance premium. Okay.","start_word":1049,"end_word":1325,"sentiment":"neutral","sentiment_score":0.07054875046014786},{"text":"That's good. Cool.","start_word":1326,"end_word":1328,"sentiment":"positive","sentiment_score":0.5179598331451416},{"text":"Performance underneath that, I just wanted to show you basically the consistency across all time periods is one, three, five, and ten years. We're trying to keep it as close to double digits as possible in Mhmm. every time period. Yep. Yep.","start_word":1329,"end_word":1370,"sentiment":"neutral","sentiment_score":0.19018644094467163},{"text":"That's good. Cool.","start_word":1371,"end_word":1373,"sentiment":"positive","sentiment_score":0.5540637969970703},{"text":"Now the last sort of digit heavy pages here, we've got a very colorful investment table on the next page. Now what this basically means can you see the second last column where it says target weight percentage? Yep. Yep. Yep. So this is what we're recommending, and everything that has a zero is getting replaced, and everything with a round number is either being rebalanced back to where it should be, or it's a new option, which is the four at the bottom. Okay. So what we're basically doing is the Bennelong option that you had that's going a couple of the options that have grown a little bit were also just kind of taking some profits from now, Mhmm. And the government was also phasing out a type of a term deposit or the bank hybrid. So that's coming in next year. So I've just recommended to switch that out early before that happens. Mhmm. We're still keeping gold and cybersecurity.","start_word":1374,"end_word":1536,"sentiment":"neutral","sentiment_score":0.06005985289812088},{"text":"They're fantastic satellite.","start_word":1537,"end_word":1539,"sentiment":"positive","sentiment_score":0.7608203887939453},{"text":"We've still got your S and P five 100, which is like your American shares. And You at can the bottom, the very last option, beta shares Australia 200, that's your yeah. replacement for Phenolone, which is that Okay. kind of low fee index fund I was talking Yeah. about. So rather than just switching two options out, I am recommending to pretty much update as much as possible, Mhmm. and it's not gonna cost that much in terms of tax. Now last Okay. thing here, if you swing over, there'll be a cash table on the next page. Just wanna go past that one through the pie chart on the following page. Mhmm. Now main thing to keep in mind here is because of the growth risk profile, we need to keep you between 80 to 90% in growth assets. That's that middle row in gray, growth total. Yes. Yep. Yep. So the risk profile says 80 is the target. You're sitting at about 82. When we rebalance everything, you'll be at about 85, but slightly higher in growth assets, but still within that 80 to 90 band. Mhmm. Yep. K? That's 3% increase in growth assets. That's not gonna, you know, increase your volatility. It's not gonna be more risky. Normally, that would be the case, but that bet along option was so volatile that just taking that out to reduce your volatility massively. That's pretty much it for the super side of things. So, again, it's a bit of an engine tune up on the portfolio. Keep it in line with those double digits, but do you have any questions Mhmm. for me? No. No. That's good. That explains right now. Right. Yep. Cool. Alrighty. On the next page so here we've got the insurances. Yep. And what we're basically looking at is we want to try and go with a provider called OnePath. They they link in with Zurich. At the bottom of that table, they're offering the life TBD income protection with the 5,500 amount for 2,600 a year as opposed to 3,400. Yep. Yeah.","start_word":1540,"end_word":1889,"sentiment":"neutral","sentiment_score":0.06182589164802006},{"text":"That's good.","start_word":1890,"end_word":1891,"sentiment":"positive","sentiment_score":0.5388767123222351},{"text":"You get a 15<unk> rebate off of that as well, so the total that comes out of the super is $22.24 and 31<unk>. And this also includes I believe you would still be on smokers' rates, I believe. Yes. Yep. So if at some point we got you, say, twelve months nicotine free, that would also drop to, like, 1,400 Correct. if we could Okay. take that off too. Alright. Now the main question for this is we're obviously put in place the new policy before we cancel the old one just to make sure there's no gap. Yep. And the previous new policy, I'm just having a look at the inception date, was April 2024. Mhmm. So the main question here is when we go through an application, they're gonna ask about occupation and health questions, and Yep. we'll have all the information from Clearview. But have you had any, like, diagnosis, medications, or health episodes between 2024 and No. now? No.","start_word":1892,"end_word":2057,"sentiment":"neutral","sentiment_score":0.059669457376003265},{"text":"I'm very boring.","start_word":2057,"end_word":2060,"sentiment":"negative","sentiment_score":-0.39203572273254395},{"text":"That's good. I much prefer that because you can get all kinds of things popping up. So Yeah. No. No. Thanks. amazing. So if there's no issues health wise, I think No. we should go for the replacement provider and just Yeah. get Correct. those premiums down.","start_word":2060,"end_word":2104,"sentiment":"neutral","sentiment_score":0.1133373783280452},{"text":"I agree. Cool.","start_word":2105,"end_word":2107,"sentiment":"positive","sentiment_score":0.5090420246124268},{"text":"What else is there in the document? So it goes through and, again, apologies for the amount of text in here. As you scroll through, it just talks about how we arrived at these figures together. There's a needs analysis about covering the mortgage and popping up your income. We're not doing any trauma insurance out of pocket. It's just trying to fix up that income protection. Yeah. So we've got premium impact Okay. table on page 24. Sorry. Just looking at the bottom of like, page numbers on the bottom of the pages. Twenty twenty four, did you say? Yep. It should say outcomes in, like, the little gray bar and then a very small table underneath it where it says, like, premium, five year impact, and ten year impact. Yes. Yep. Yep. Yep. So current is the current premiums and and portfolio, brings you to about 382,000. With the saved premiums and the new portfolio, you're gonna go to four eighty four estimate. And it also just says, look. If you had no premiums whatsoever, you'd probably be clearing this over 500,000. So it just shows you the impact the premiums do have. Okay. Cool. Any questions on the insurance side of things? No. Cool. When we get that in place, because there'll be a not new life insurance policy, we will just Yep. have to put in place another beneficiary nomination for that one with the new Okay. provider. So that's basically pages 28 onwards. A few reminders about wills and powers of attorney, which I don't need to remind you why Yes. that is important. Mhmm. The other thing to bear in mind is just in terms of opioid remuneration. So any policy that we put in for, we still get paid, like, 66% of the first year's premium, whichever provider it is, and then 22% ongoing to kind of look after the policy, help you with any claims, and also provide you with claims advice if you do do an insurance claim. Okay. Okay?","start_word":2108,"end_word":2446,"sentiment":"neutral","sentiment_score":0.06754324585199356},{"text":"From here, if you're happy with everything, Yep.","start_word":2447,"end_word":2454,"sentiment":"positive","sentiment_score":0.4324483573436737},{"text":"the rest of these attachments is essentially an appendix with some research, a one path quote that we need you to sign off on, and this statement of advice has an authority to sign at the bottom of the second last Okay. Let's have a look. Oh, yeah.","start_word":2455,"end_word":2502,"sentiment":"neutral","sentiment_score":0.14402392506599426},{"text":"Cool.","start_word":2503,"end_word":2503,"sentiment":"positive","sentiment_score":0.411262720823288},{"text":"page. Alright. So this basically sign the statement of advice, and then it'll let you go next document to skip the appendix. It'll ask you to sign the quote, which, fortunately, is, like, nine pages long, so it's on the full page. Okay. And then everything else in that pack is pretty much skippable. Service guides, pub PDFs. Once you get to the very end and skip through all sort of nine documents, it'll have, like, a validate button for you. Okay. I have to find that one. What do your documents look like? What we see is the customers to be on it? Yeah. It's a bit of fun light reading. I've done it quite a few times going through all of these bit by bit, Okay. and it So can there's be no signatures quite a lot of needed pages. on everything. Validate and send. No. Correct. Okay. Now that spinning circle, when you hit validate, it may actually hang there for a good twenty seconds Yeah. or so It just is. because Yeah. the amount of pages in there. Mhmm. While that's loading, so we do have ID on file that seems up to date expiring in 2028. So we'll certify that with the insurance application. Mhmm. And, basically, from there, I just need to work out with you when would be a good date and time to go through the insurance application with the That's a good question. Let's have a look. team. Definitely not a Monday.","start_word":2504,"end_word":2754,"sentiment":"neutral","sentiment_score":0.07954498380422592},{"text":"My computer is not working.","start_word":2755,"end_word":2759,"sentiment":"negative","sentiment_score":-0.38087376952171326},{"text":"Okay. It's always the way on a Friday. Oh, you have no idea. Like, come on. Let me open my calendar. I think I've got, you know, 200 tabs open, so I was gonna have a bit of a meltdown. Oh, yeah. I closed about forty before this call because I had so many clients open. What if we say, like, next Tuesday? Yeah. Next Is Tuesday, that okay? we do have some yeah. Absolutely. We Does just it take need to very get it long? in before no. That twenty minutes max. We'll Okay. prefill everything from the previous application, and then it which which is running through, can you confirm all of this? And if there's Yes. been no changes, no no no no no. It only takes longer if something does pop up and you have to go into more depth. Mhmm. So on a Tuesday, we're still on no daylight savings, which is great. Tasmania's still the oh, sorry. Oh, there we You're go. in Queensland too. Yep. Queensland. What? We've got availability pretty much. Would morning or afternoon be better for you? Morning. Morning. Okay. We do Nine have ten, something like that. Possible. have a quick look at someone at there. Nine and 10:00 are okay. Okay. Let's do 09:00. 09:00. Easy done. Okay. Gonna plug this into the calendar for the team. Yep. Cool. And that's pretty much it. I'll just run through that. Once the Mhmm. new policy is enforced, we'll cancel the old one, and I'll give you, like, a pro rata refund into the super account.","start_word":2760,"end_word":3025,"sentiment":"neutral","sentiment_score":-0.01000049788700907},{"text":"Perfect. Alrighty. Look. Thank you so much for for calling back in.","start_word":3026,"end_word":3037,"sentiment":"positive","sentiment_score":0.5043004155158997},{"text":"Do you have any questions at this point? No. That's all fine.","start_word":3038,"end_word":3049,"sentiment":"neutral","sentiment_score":0.24126990139484408},{"text":"That's good. Easy done, Fiona.","start_word":3050,"end_word":3054,"sentiment":"positive","sentiment_score":0.5024509429931641},{"text":"From here, we do have a bit of an annual review scheduled for around about May of next year, April, May. Is there anything you want me to put in for this side of Christmas? Anything you need before? Yep. No. Nothing at all. Amazing. No. I'm And happy. I'll just As long as double it makes check. money, I'm good. Yeah. Absolutely. Now I don't know if your Odoo sign is still doing a spinning circle of No. pain It there. it I it's haven't.","start_word":3055,"end_word":3140,"sentiment":"neutral","sentiment_score":0.043619029223918915},{"text":"it hasn't come through yet.","start_word":3141,"end_word":3145,"sentiment":"negative","sentiment_score":-0.4651558101177216},{"text":"Like, I clicked on No. it It and hasn't it did come the, through you just know, yet. the blue wheel, and now it's just going back so I can scroll through things. But down the bottom, it still says validate and send, but it won't let me click on it anymore. Okay. Why don't you click on it? Alright. I'll give Because that a minute. I already And had. Yeah. yeah. Right. Like, it's already done it, and now it's grayed out. Yeah. Pretty much. Then maybe just quickly before I let you go, were you able to sign and date everything on that quote that on the fourth page? Yes. And let me and let me do everything. Yep.","start_word":3146,"end_word":3266,"sentiment":"neutral","sentiment_score":-0.10934028774499892},{"text":"Right there. Perfect.","start_word":3267,"end_word":3269,"sentiment":"positive","sentiment_score":0.4944162368774414},{"text":"So just signatures on statement of advice and quote. Nothing on the other one. May need a bit of a refresh, so might have to try again a little bit later. If you have any issues, just give us a buzz, give us a text or email, and I can get that reset as well. Okay. No worries.","start_word":3270,"end_word":3327,"sentiment":"neutral","sentiment_score":-0.02670980803668499},{"text":"It let me go back to the Awesome. initial email and do it again.","start_word":3328,"end_word":3341,"sentiment":"positive","sentiment_score":0.4169676601886749},{"text":"So I'll do that and see if it there we go. It says it's sending it again. Always seems to be on a Friday. Definitely Yeah. the way.","start_word":3342,"end_word":3369,"sentiment":"neutral","sentiment_score":0.17154379189014435},{"text":"It always is. Completely.","start_word":3370,"end_word":3373,"sentiment":"positive","sentiment_score":0.36172589659690857},{"text":"My boss always wants to have meetings in the afternoon. It's like, really? Let me get something that I see. Afternoon on a Friday? Or Yeah. Like, 02:00 to 03:00 every Friday afternoon. get all recap how the week's gone and Yes.","start_word":3374,"end_word":3415,"sentiment":"neutral","sentiment_score":0.11583922058343887},{"text":"get some fresh plans for the next week ahead.","start_word":3416,"end_word":3424,"sentiment":"positive","sentiment_score":0.46041592955589294},{"text":"It's well, it's saying that it's done it, so I'm not really sure what's happened. So that's not too much of a problem. If it doesn't come through sort of the next half an hour or so, Just let I'll me do know. a bit of a resend. Yeah. Yeah. Sure. If it doesn't work a second time, we can just switch to, like, Adobe sign or a different program altogether Okay. if we need to. Yeah. No worries.","start_word":3425,"end_word":3503,"sentiment":"neutral","sentiment_score":-0.07852608694612415},{"text":"Alright, Thank you so much for taking the time and battling No worries.","start_word":3504,"end_word":3516,"sentiment":"positive","sentiment_score":0.5118277072906494},{"text":"through No the IT worries. with me today.","start_word":3517,"end_word":3524,"sentiment":"neutral","sentiment_score":0.16514092683792114},{"text":"That's okay. Thank you. Awesome. I'll let you go. Have a great weekend. You too. See you.","start_word":3525,"end_word":3541,"sentiment":"positive","sentiment_score":0.6817633509635925},{"text":"Bye.","start_word":3542,"end_word":3542,"sentiment":"neutral","sentiment_score":0.330258309841156},{"text":"Thanks. Bye.","start_word":3543,"end_word":3544,"sentiment":"positive","sentiment_score":0.4370654225349426}],"average":{"sentiment":"neutral","sentiment_score":0.0725401627231482}}}}