{"metadata":{"transaction_key":"deprecated","request_id":"1ce12aa7-77d7-4bbc-baca-12b829f366ab","sha256":"94cc1e38c98ded8bd9008df60f863c1641e1e767a3a14de6777e45905e8c863c","created":"2026-03-03T05:22:20.046Z","duration":1088.496,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":3906,"output_tokens":156},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":4298,"output_tokens":4307},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":4298,"output_tokens":440}},"results":{"channels":[{"alternatives":[{"transcript":"Good afternoon, Kim. It's Veronica from Workthrough Financial. How are you? That's great. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yeah. Okay. Let me have a look. Is that any better? Alright. Let me see if I can turn off my mic. Is that any better? Yeah. Okay. Perfect. Now even though I can hear that is you, just for security purposes, could I just get you to confirm your full name, date of birth, and address, please? Yep. Yep. Yep. Great. Perfect. Now, obviously, essentially, today is just to see, obviously, what you wanna do with your super, if it is that you wanna take out everything or whether you want me to do some advice and work the numbers if you want more of, like, a income stream. Have you thought anything more what you are thinking? Yep. Okay. Yep. Yep. Yep. Yep. Okay. Perfect. Yep. Okay. Yep. Now we definitely can do that if if you would like. So if it is that you want to go ahead and take everything out, obviously, on the tenth, so on Tuesday next week. The process would be that I will get one of my colleagues to to call you on the tenth just to confirm the declaration you've already signed, which is great. Just confirming that that's obviously still the case and you're not, you know, employed and that you've turned 60 and you want to take everything out. Now I will get the team to also send you we can do that now the form just for your bank details and stuff like that for the the transfer, so we can have that ready to go. And now because your money is invested, it sometimes takes a little while for the sell down to happen, to sell your investment. So the quickest way would be, if that is what you would like, then you would tell me today that you if you want me to go and place that order and sell all your investments today, I can get a document issued that is a transaction without advice, which is basically saying that you would like to place the sale today so that you can access your money next week, then I can get the team to do that for you, if that is what you would prefer. Yep. Okay. So I will get that. We won't take any money. What do you what do you mean? Like, we will we will sell the the investments for you. And then once that's settled down no additional. No. It's all part of your ongoing advice fee that you pay, and that is a monthly amount. So there's no additional fees or anything like that. It is all part of the current fee that you are paying, which is just your 1.65 monthly amount that you are currently paying. So, obviously, once your super is paid out to you, that would obviously mean that we won't, you know, have you on as a client anymore and stuff like that, and, obviously, you will not pay any fees. If there is anything else that you do need later in other areas, you can obviously let us know, other because you won't be obviously paying it paying a fee. There'll be, you know, probably different arrangements if it is something that you want because you won't be, like, a a ongoing client anymore. Yeah. If you want to reengage in the service, that that basically would mean that we would obviously cease the service once your super is paid out to you. If you want to re come on board as a client, we would have to, you know, reassess you coming on board as a client. And if we are doing and by doing that, we'd have to do, you know, your new SOA and everything like that. And that would potentially be additional fees because you are coming on board again as a potential client. So and the only thing I do wanna mention as well that there are obviously restrictions on putting money into Supernite and how much you can put in each year. So at the moment, age wise, it's fine. If you get, obviously, a bit older, there are restrictions of how much you can when you can money in. Yeah. Yeah. Yeah. It it gets it gets billier. Yeah. Oh, that's not good. Especially Yeah. Especially if it wasn't what you wanted or what you knew about. You know? And that's not fair. Yeah. Yeah. Yeah. That eight pension at, you know, 67. And, obviously, I do wanna, obviously, stress important that if you obviously take all the money out, then obviously, it obviously would have to last a long, so you won't have that regular income stream, obviously, so that you are aware aware of that. And, obviously, age pension won't be until 67. Now 67 is age pension at the moment. Yep. Yes. So that means that you can get your super out tax free. Yeah. Yep. Yes. Yeah. So preservation is when you can take the money out if you stop working. So that will be obviously next week for you. You can take everything tax free. The age pension, if if that's the case, that's not till 67. Now you said as well, obviously, with the the asset test and stuff like that for the carer payments that you had to look at it, and you are under the threshold, so you are quite comfortable with that as well? Yep. Okay. Perfect. So you've kind of looked into, obviously, what the limits are and stuff and stuff like that, so you don't need any advice on anything else. You're just happy to take the money out. Yep. Okay. To to impact yeah. Okay. And do you know, like, how much total assets and stuff you have at the moment, like, in your your bank account and cars and anything like that? Would you know roughly how much you would have? Mhmm. Mhmm. Yeah. Yes. Yeah. Yeah. Okay. Perfect. So you would say, yeah. You would probably you would definitely be under under that limit then of $5.06 6. So, yeah, what I can what I can do today, Kim, like I said, I can get a form drafted to say that you would like to instruct us to place the sell on your investments today because it will take a a little while. And then on the tenth, I will get my colleague to give you a call. Do you prefer morning or afternoon? Are you gonna be available on the tenth for a quick phone call? Yes? Okay. Do in the morning? Okay. I will get them to give you a call just to confirm that, you know, that what you signed on the document, that's all still true and correct. And then we can, you know, authorize that release of the super for you. And like I mentioned, I will also get the team to send you the the form probably tomorrow, most likely, or later today with the bank details of where you want your super paid to. Oh, perfect. Well, if you already got it, then, obviously, if you wanna take your time to complete it, you can send it through to me. You will have my email address, and then I can forward it on to the team. And that way, we have everything ready to go. And like I said, obviously, once your super is then paid to you, they would mean that, obviously, you're no longer paying for services and would cease as a client. But if there is anything else you need down the track or if you do wanna reengage at any point, you know, you can always just give us a call or send us an email, and we can have a look at it. But like I said, obviously, it would mean that there would be additional fees to come on board if if you do decide that. Do you have any other questions for me, or is it all pretty, you know, straightforward? You kind of know what you wanna do and stuff? Yep. No. So it will be I can read it out to you. So it's hub 24, so h u v Yep. Yep. And then super dash, and then you have choice menu, so c h o I c e. Yes. Correct. That's the product that that's the product you are in in Super at the moment. Yep. Correct. Yes. In the middle. Yep. Perfect. If you have any issues or questions completing it, you can always just give us a call. And if I'm not available, one of my colleagues will be. But, otherwise, keep a lookout for the transaction email to come through. I'll see if I can get it authorized today for you. I'll get the team to maybe send you a quick text message when it's been sent to you as well so that you know. And that one just needs to be signed to obviously say that you that that's what you would like to go ahead with, and there's no advice in regards to it that we will then process that payment for you. Yep. Perfect. And just let us know how everything is going. And then, yes, my colleagues will will give you a call on the tenth and sort all of this for you, Kim. Perfect. Do you have any other questions for me otherwise? Yep. Yep. Yep. Yeah. That would be Oakview Financial. Yep. Let me see if I can find it here for you. That would also just be or if you typically, no. Because, yeah, it would be our dealer group. Let me see if I can find here what it says on your account. Yeah. So ad adviser name exactly just OQ Financial, and that would also be the dealer group. It's OQ Financial. Yes. Yep. Yep. Yep. Where you want it to go. Yep. Yes. Correct. Yeah. If we're not setting up a pension, it's just a a straight lump sum. Yep. Does it say let's see if I does it say on there if it's different complete to the low section or anything like that, or does it kinda force you to put both? Okay. Yep. Yeah. No. It should usually be fine just to do your your first one because a lot of the time, people only have one bank account. Yeah. So that's okay. Yep. Yes. Yep. Yep. Yep. Yeah. Yes. And then I will forward it on through to the team as well, and we'll get that all collated for you. Perfect. Like I said, Kim, keep a lookout for that email to come through. I'll get the team to text you as well when it comes through. And as soon as we get that back, I will let the team know to place that cell on your investment so it's ready to go for you on Tuesday. Yep. Perfect. No. That is okay, Kim. And if there's anything else that you, you know, you do need, like I said, let me know. But, otherwise, we'll help you through this process, and I obviously wish you all the best with everything else and hope it all gets sorted with the the house and and everything with your mom and stuff like that. Yeah. Yeah. Definitely. Yeah. Yeah. Yeah. Yeah. Yeah. It gets very expensive. Yeah. Yep. Yeah. Oh, well, that's good. And, yeah, obviously, be be obviously mindful of the age pension is 67. And then, obviously, with the structuring of the super payments for you because it is lump sum, That is usually the biggest risk we're taking in hours. The lump sum is then, you know, making it last until age pension. Yeah. So it seems like you're pretty across things and stuff. And, yeah, like I said, I I do hope that everything gets sorted for you and works out really well. And, yeah, like I said, if there's anything else later on that you do need, you know you know, if you have my details, and just, yeah, let me know. Yeah. Mhmm. Perfect. Well, I will get processed on this today, Kim, like I said. And, otherwise, I'll just keep a lookout for that to to come back. No problem at all, Kim. We'll we'll speak soon. Okay. 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afternoon, Kim. It's Veronica from Workthrough Financial. How are you? That's great. Perfect.\n\nNow just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yeah. Okay. Let me have a look. Is that any better?\n\nAlright. Let me see if I can turn off my mic. Is that any better? Yeah. Okay.\n\nPerfect. Now even though I can hear that is you, just for security purposes, could I just get you to confirm your full name, date of birth, and address, please? Yep. Yep. Yep.\n\nGreat. Perfect. Now, obviously, essentially, today is just to see, obviously, what you wanna do with your super, if it is that you wanna take out everything or whether you want me to do some advice and work the numbers if you want more of, like, a income stream. Have you thought anything more what you are thinking? Yep.\n\nOkay. Yep. Yep. Yep. Yep.\n\nOkay. Perfect. Yep. Okay. Yep.\n\nNow we definitely can do that if if you would like. So if it is that you want to go ahead and take everything out, obviously, on the tenth, so on Tuesday next week. The process would be that I will get one of my colleagues to to call you on the tenth just to confirm the declaration you've already signed, which is great. Just confirming that that's obviously still the case and you're not, you know, employed and that you've turned 60 and you want to take everything out. Now I will get the team to also send you we can do that now the form just for your bank details and stuff like that for the the transfer, so we can have that ready to go.\n\nAnd now because your money is invested, it sometimes takes a little while for the sell down to happen, to sell your investment. So the quickest way would be, if that is what you would like, then you would tell me today that you if you want me to go and place that order and sell all your investments today, I can get a document issued that is a transaction without advice, which is basically saying that you would like to place the sale today so that you can access your money next week, then I can get the team to do that for you, if that is what you would prefer. Yep. Okay. So I will get that.\n\nWe won't take any money. What do you what do you mean? Like, we will we will sell the the investments for you. And then once that's settled down no additional. No.\n\nIt's all part of your ongoing advice fee that you pay, and that is a monthly amount. So there's no additional fees or anything like that. It is all part of the current fee that you are paying, which is just your 1.65 monthly amount that you are currently paying. So, obviously, once your super is paid out to you, that would obviously mean that we won't, you know, have you on as a client anymore and stuff like that, and, obviously, you will not pay any fees. If there is anything else that you do need later in other areas, you can obviously let us know, other because you won't be obviously paying it paying a fee.\n\nThere'll be, you know, probably different arrangements if it is something that you want because you won't be, like, a a ongoing client anymore. Yeah. If you want to reengage in the service, that that basically would mean that we would obviously cease the service once your super is paid out to you. If you want to re come on board as a client, we would have to, you know, reassess you coming on board as a client. And if we are doing and by doing that, we'd have to do, you know, your new SOA and everything like that.\n\nAnd that would potentially be additional fees because you are coming on board again as a potential client. So and the only thing I do wanna mention as well that there are obviously restrictions on putting money into Supernite and how much you can put in each year. So at the moment, age wise, it's fine. If you get, obviously, a bit older, there are restrictions of how much you can when you can money in. Yeah.\n\nYeah. Yeah. It it gets it gets billier. Yeah. Oh, that's not good.\n\nEspecially Yeah. Especially if it wasn't what you wanted or what you knew about. You know? And that's not fair. Yeah.\n\nYeah. Yeah. That eight pension at, you know, 67. And, obviously, I do wanna, obviously, stress important that if you obviously take all the money out, then obviously, it obviously would have to last a long, so you won't have that regular income stream, obviously, so that you are aware aware of that. And, obviously, age pension won't be until 67.\n\nNow 67 is age pension at the moment. Yep. Yes. So that means that you can get your super out tax free. Yeah.\n\nYep. Yes. Yeah. So preservation is when you can take the money out if you stop working. So that will be obviously next week for you.\n\nYou can take everything tax free. The age pension, if if that's the case, that's not till 67. Now you said as well, obviously, with the the asset test and stuff like that for the carer payments that you had to look at it, and you are under the threshold, so you are quite comfortable with that as well? Yep. Okay.\n\nPerfect. So you've kind of looked into, obviously, what the limits are and stuff and stuff like that, so you don't need any advice on anything else. You're just happy to take the money out. Yep. Okay.\n\nTo to impact yeah. Okay. And do you know, like, how much total assets and stuff you have at the moment, like, in your your bank account and cars and anything like that? Would you know roughly how much you would have? Mhmm.\n\nMhmm. Yeah. Yes. Yeah. Yeah.\n\nOkay. Perfect. So you would say, yeah. You would probably you would definitely be under under that limit then of $5.06 6. So, yeah, what I can what I can do today, Kim, like I said, I can get a form drafted to say that you would like to instruct us to place the sell on your investments today because it will take a a little while.\n\nAnd then on the tenth, I will get my colleague to give you a call. Do you prefer morning or afternoon? Are you gonna be available on the tenth for a quick phone call? Yes? Okay.\n\nDo in the morning? Okay. I will get them to give you a call just to confirm that, you know, that what you signed on the document, that's all still true and correct. And then we can, you know, authorize that release of the super for you. And like I mentioned, I will also get the team to send you the the form probably tomorrow, most likely, or later today with the bank details of where you want your super paid to.\n\nOh, perfect. Well, if you already got it, then, obviously, if you wanna take your time to complete it, you can send it through to me. You will have my email address, and then I can forward it on to the team. And that way, we have everything ready to go. And like I said, obviously, once your super is then paid to you, they would mean that, obviously, you're no longer paying for services and would cease as a client.\n\nBut if there is anything else you need down the track or if you do wanna reengage at any point, you know, you can always just give us a call or send us an email, and we can have a look at it. But like I said, obviously, it would mean that there would be additional fees to come on board if if you do decide that. Do you have any other questions for me, or is it all pretty, you know, straightforward? You kind of know what you wanna do and stuff? Yep.\n\nNo. So it will be I can read it out to you. So it's hub 24, so h u v Yep. Yep. And then super dash, and then you have choice menu, so c h o I c e.\n\nYes. Correct. That's the product that that's the product you are in in Super at the moment. Yep. Correct.\n\nYes. In the middle. Yep. Perfect. If you have any issues or questions completing it, you can always just give us a call.\n\nAnd if I'm not available, one of my colleagues will be. But, otherwise, keep a lookout for the transaction email to come through. I'll see if I can get it authorized today for you. I'll get the team to maybe send you a quick text message when it's been sent to you as well so that you know. And that one just needs to be signed to obviously say that you that that's what you would like to go ahead with, and there's no advice in regards to it that we will then process that payment for you.\n\nYep. Perfect. And just let us know how everything is going. And then, yes, my colleagues will will give you a call on the tenth and sort all of this for you, Kim. Perfect.\n\nDo you have any other questions for me otherwise? Yep. Yep. Yep. Yeah.\n\nThat would be Oakview Financial. Yep. Let me see if I can find it here for you. That would also just be or if you typically, no. Because, yeah, it would be our dealer group.\n\nLet me see if I can find here what it says on your account. Yeah. So ad adviser name exactly just OQ Financial, and that would also be the dealer group. It's OQ Financial. Yes.\n\nYep. Yep. Yep. Where you want it to go. Yep.\n\nYes. Correct. Yeah. If we're not setting up a pension, it's just a a straight lump sum. Yep.\n\nDoes it say let's see if I does it say on there if it's different complete to the low section or anything like that, or does it kinda force you to put both? Okay. Yep. Yeah. No.\n\nIt should usually be fine just to do your your first one because a lot of the time, people only have one bank account. Yeah. So that's okay. Yep. Yes.\n\nYep. Yep. Yep. Yeah. Yes.\n\nAnd then I will forward it on through to the team as well, and we'll get that all collated for you. Perfect. Like I said, Kim, keep a lookout for that email to come through. I'll get the team to text you as well when it comes through. And as soon as we get that back, I will let the team know to place that cell on your investment so it's ready to go for you on Tuesday.\n\nYep. Perfect. No. That is okay, Kim. And if there's anything else that you, you know, you do need, like I said, let me know.\n\nBut, otherwise, we'll help you through this process, and I obviously wish you all the best with everything else and hope it all gets sorted with the the house and and everything with your mom and stuff like that. Yeah. Yeah. Definitely. Yeah.\n\nYeah. Yeah. Yeah. Yeah. It gets very expensive.\n\nYeah. Yep. Yeah. Oh, well, that's good. And, yeah, obviously, be be obviously mindful of the age pension is 67.\n\nAnd then, obviously, with the structuring of the super payments for you because it is lump sum, That is usually the biggest risk we're taking in hours. The lump sum is then, you know, making it last until age pension. Yeah. So it seems like you're pretty across things and stuff. And, yeah, like I said, I I do hope that everything gets sorted for you and works out really well.\n\nAnd, yeah, like I said, if there's anything else later on that you do need, you know you know, if you have my details, and just, yeah, let me know. Yeah. Mhmm. Perfect. Well, I will get processed on this today, Kim, like I said.\n\nAnd, otherwise, I'll just keep a lookout for that to to come back. No problem at all, Kim. We'll we'll speak soon. Okay. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Kim.","start":2.3999999,"end":3.4399998,"sentiment":"neutral","sentiment_score":0.3199297984441121},{"text":"It's Veronica from Workthrough Financial.","start":3.4399998,"end":5.22,"sentiment":"neutral","sentiment_score":0.26124935448169706},{"text":"How are you?","start":5.3599997,"end":6.18,"sentiment":"neutral","sentiment_score":0.20751022299130759},{"text":"That's great.","start":8.24,"end":9.22,"sentiment":"positive","sentiment_score":0.7658475339412689},{"text":"Perfect.","start":12.639999,"end":13.139999,"sentiment":"positive","sentiment_score":0.5589754581451416}],"sentiment":"positive","sentiment_score":0.35565981162445887,"num_words":14,"start":2.3999999,"end":13.139999},{"sentences":[{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":14.655,"end":21.314999,"sentiment":"neutral","sentiment_score":0.04247086925496315},{"text":"Yeah.","start":22.654999,"end":23.154999,"sentiment":"neutral","sentiment_score":-0.055445291101932526},{"text":"Okay.","start":24.095,"end":24.494999,"sentiment":"neutral","sentiment_score":0.029615849256515503},{"text":"Let me have a look.","start":24.494999,"end":25.954998,"sentiment":"neutral","sentiment_score":0.029519585147500037},{"text":"Is that any better?","start":26.76,"end":27.98,"sentiment":"neutral","sentiment_score":0.018529175082221627}],"sentiment":"neutral","sentiment_score":0.03568850981537253,"num_words":40,"start":14.655,"end":27.98},{"sentences":[{"text":"Alright.","start":29.08,"end":29.4,"sentiment":"neutral","sentiment_score":0.02785714529454708},{"text":"Let me see if I can turn off my mic.","start":29.4,"end":31.26,"sentiment":"neutral","sentiment_score":0.009893782064318657},{"text":"Is that any better?","start":31.32,"end":32.38,"sentiment":"neutral","sentiment_score":0.01599475694820285},{"text":"Yeah.","start":33.88,"end":34.2,"sentiment":"neutral","sentiment_score":0.0762980580329895},{"text":"Okay.","start":34.2,"end":34.68,"sentiment":"neutral","sentiment_score":0.12445086240768433}],"sentiment":"neutral","sentiment_score":0.02303075965713052,"num_words":17,"start":29.08,"end":34.68},{"sentences":[{"text":"Perfect.","start":34.68,"end":35.18,"sentiment":"neutral","sentiment_score":0.23189961910247803},{"text":"Now even though I can hear that is you, just for security purposes, could I just get you to confirm your full name, date of birth, and address, please?","start":36.84,"end":45.385002,"sentiment":"neutral","sentiment_score":0.07334353928935938},{"text":"Yep.","start":48.005,"end":48.505,"sentiment":"neutral","sentiment_score":0.022599732503294945},{"text":"Yep.","start":50.645,"end":51.145,"sentiment":"neutral","sentiment_score":0.02766605094075203},{"text":"Yep.","start":53.55,"end":54.03,"sentiment":"neutral","sentiment_score":0.10753294825553894}],"sentiment":"neutral","sentiment_score":0.07626245424828747,"num_words":33,"start":34.68,"end":54.03},{"sentences":[{"text":"Great.","start":54.03,"end":54.53,"sentiment":"positive","sentiment_score":0.46655386686325073},{"text":"Perfect.","start":54.59,"end":55.09,"sentiment":"positive","sentiment_score":0.41475096344947815},{"text":"Now, obviously, essentially, today is just to see, obviously, what you wanna do with your super, if it is that you wanna take out everything or whether you want me to do some advice and work the numbers if you want more of, like, a income stream.","start":55.79,"end":70.455,"sentiment":"neutral","sentiment_score":0.0772438183268334},{"text":"Have you thought anything more what you are thinking?","start":71.075,"end":74.455,"sentiment":"neutral","sentiment_score":-0.007066534004277653},{"text":"Yep.","start":84.049995,"end":84.549995,"sentiment":"neutral","sentiment_score":-0.004184608813375235}],"sentiment":"neutral","sentiment_score":0.07532170977664449,"num_words":59,"start":54.03,"end":84.549995},{"sentences":[{"text":"Okay.","start":91.104996,"end":91.604996,"sentiment":"neutral","sentiment_score":0.029061073437333107},{"text":"Yep.","start":91.825,"end":92.325,"sentiment":"neutral","sentiment_score":0.03650227561593056},{"text":"Yep.","start":95.185,"end":95.685,"sentiment":"neutral","sentiment_score":0.05612200126051903},{"text":"Yep.","start":101.52,"end":101.84,"sentiment":"neutral","sentiment_score":0.06011682003736496},{"text":"Yep.","start":101.84,"end":102.32,"sentiment":"neutral","sentiment_score":0.07967555522918701}],"sentiment":"neutral","sentiment_score":0.05229554511606693,"num_words":5,"start":91.104996,"end":102.32},{"sentences":[{"text":"Okay.","start":102.32,"end":102.82,"sentiment":"neutral","sentiment_score":0.17611026763916016},{"text":"Perfect.","start":102.88,"end":103.38,"sentiment":"neutral","sentiment_score":0.23901189863681793},{"text":"Yep.","start":104.479996,"end":104.979996,"sentiment":"neutral","sentiment_score":0.1166151687502861},{"text":"Okay.","start":114.975006,"end":115.475006,"sentiment":"neutral","sentiment_score":0.2581430673599243},{"text":"Yep.","start":115.615005,"end":116.115005,"sentiment":"positive","sentiment_score":0.3580004572868347}],"sentiment":"neutral","sentiment_score":0.22957617193460464,"num_words":5,"start":102.32,"end":116.115005},{"sentences":[{"text":"Now we definitely can do that if if you would like.","start":116.895004,"end":120.735,"sentiment":"positive","sentiment_score":0.5718442689288746},{"text":"So if it is that you want to go ahead and take everything out, obviously, on the tenth, so on Tuesday next week.","start":120.735,"end":130.6,"sentiment":"neutral","sentiment_score":0.16517486164103384},{"text":"The process would be that I will get one of my colleagues to to call you on the tenth just to confirm the declaration you've already signed, which is great.","start":131.38,"end":139.695,"sentiment":"positive","sentiment_score":0.3643882508079211},{"text":"Just confirming that that's obviously still the case and you're not, you know, employed and that you've turned 60 and you want to take everything out.","start":139.93501,"end":148.27501,"sentiment":"neutral","sentiment_score":0.20120148819226485},{"text":"Now I will get the team to also send you we can do that now the form just for your bank details and stuff like that for the the transfer, so we can have that ready to go.","start":148.815,"end":159.91,"sentiment":"neutral","sentiment_score":0.29076411731933294}],"sentiment":"neutral","sentiment_score":0.2914158707135357,"num_words":128,"start":116.895004,"end":159.91},{"sentences":[{"text":"And now because your money is invested, it sometimes takes a little while for the sell down to happen, to sell your investment.","start":161.25,"end":170.685,"sentiment":"neutral","sentiment_score":0.0025879084739996038},{"text":"So the quickest way would be, if that is what you would like, then you would tell me today that you if you want me to go and place that order and sell all your investments today, I can get a document issued that is a transaction without advice, which is basically saying that you would like to place the sale today so that you can access your money next week, then I can get the team to do that for you, if that is what you would prefer.","start":170.985,"end":200.195,"sentiment":"neutral","sentiment_score":0.2412092654725139},{"text":"Yep.","start":201.695,"end":202.195,"sentiment":"neutral","sentiment_score":0.04915468022227287},{"text":"Okay.","start":202.255,"end":202.755,"sentiment":"neutral","sentiment_score":0.04946935921907425},{"text":"So I will get that.","start":203.615,"end":205.075,"sentiment":"neutral","sentiment_score":-0.02365664392709732}],"sentiment":"neutral","sentiment_score":0.1807351877458957,"num_words":119,"start":161.25,"end":205.075},{"sentences":[{"text":"We won't take any money.","start":209.95,"end":211.33,"sentiment":"neutral","sentiment_score":-0.2948882281780243},{"text":"What do you what do you mean?","start":213.79001,"end":215.07,"sentiment":"neutral","sentiment_score":-0.008918433317116328},{"text":"Like, we will we will sell the the investments for you.","start":215.07,"end":218.37001,"sentiment":"neutral","sentiment_score":0.08172469823197885},{"text":"And then once that's settled down no additional.","start":218.59,"end":226.655,"sentiment":"neutral","sentiment_score":0.02232123864814639},{"text":"No.","start":226.795,"end":226.955,"sentiment":"neutral","sentiment_score":0.011554203927516936}],"sentiment":"neutral","sentiment_score":-0.01399294938892126,"num_words":32,"start":209.95,"end":226.955},{"sentences":[{"text":"It's all part of your ongoing advice fee that you pay, and that is a monthly amount.","start":226.955,"end":231.995,"sentiment":"neutral","sentiment_score":0.15813171337632573},{"text":"So there's no additional fees or anything like that.","start":231.995,"end":235.055,"sentiment":"neutral","sentiment_score":0.06707681632704204},{"text":"It is all part of the current fee that you are paying, which is just your 1.65 monthly amount that you are currently paying.","start":235.22,"end":244.6,"sentiment":"neutral","sentiment_score":-0.016859269933775067},{"text":"So, obviously, once your super is paid out to you, that would obviously mean that we won't, you know, have you on as a client anymore and stuff like that, and, obviously, you will not pay any fees.","start":245.14,"end":255.815,"sentiment":"neutral","sentiment_score":0.001909546750156503},{"text":"If there is anything else that you do need later in other areas, you can obviously let us know, other because you won't be obviously paying it paying a fee.","start":256.755,"end":266.39,"sentiment":"neutral","sentiment_score":0.058590207373102506}],"sentiment":"neutral","sentiment_score":0.03997946604770624,"num_words":118,"start":226.955,"end":266.39},{"sentences":[{"text":"There'll be, you know, probably different arrangements if it is something that you want because you won't be, like, a a ongoing client anymore.","start":266.69,"end":273.19,"sentiment":"neutral","sentiment_score":-0.04084470464537541},{"text":"Yeah.","start":282.555,"end":282.715,"sentiment":"neutral","sentiment_score":-0.044983040541410446},{"text":"If you want to reengage in the service, that that basically would mean that we would obviously cease the service once your super is paid out to you.","start":282.715,"end":291.96002,"sentiment":"neutral","sentiment_score":-0.2569788417645863},{"text":"If you want to re come on board as a client, we would have to, you know, reassess you coming on board as a client.","start":292.34,"end":300.725,"sentiment":"neutral","sentiment_score":-0.060910756662487985},{"text":"And if we are doing and by doing that, we'd have to do, you know, your new SOA and everything like that.","start":300.725,"end":306.025,"sentiment":"neutral","sentiment_score":-0.0918653267012401}],"sentiment":"neutral","sentiment_score":-0.11764469625428318,"num_words":100,"start":266.69,"end":306.025},{"sentences":[{"text":"And that would potentially be additional fees because you are coming on board again as a potential client.","start":306.405,"end":313.225,"sentiment":"neutral","sentiment_score":-0.09600392025378016},{"text":"So and the only thing I do wanna mention as well that there are obviously restrictions on putting money into Supernite and how much you can put in each year.","start":313.68,"end":326.16,"sentiment":"neutral","sentiment_score":-0.13649711882074675},{"text":"So at the moment, age wise, it's fine.","start":326.16,"end":328.82,"sentiment":"neutral","sentiment_score":-0.06893805740401149},{"text":"If you get, obviously, a bit older, there are restrictions of how much you can when you can money in.","start":329.905,"end":336.165,"sentiment":"neutral","sentiment_score":-0.1367451947182417},{"text":"Yeah.","start":337.185,"end":337.685,"sentiment":"neutral","sentiment_score":-0.11597838252782822}],"sentiment":"neutral","sentiment_score":-0.11981001123785973,"num_words":77,"start":306.405,"end":337.685},{"sentences":[{"text":"Yeah.","start":339.585,"end":340.085,"sentiment":"negative","sentiment_score":-0.4118209481239319},{"text":"Yeah.","start":340.865,"end":341.365,"sentiment":"neutral","sentiment_score":-0.28813308477401733},{"text":"It it gets it gets billier.","start":341.42502,"end":343.92502,"sentiment":"negative","sentiment_score":-0.36559633413950604},{"text":"Yeah.","start":344.065,"end":344.565,"sentiment":"neutral","sentiment_score":-0.198119655251503},{"text":"Oh, that's not good.","start":350.05,"end":351.18997,"sentiment":"negative","sentiment_score":-0.6667145267128944}],"sentiment":"negative","sentiment_score":-0.44296229229523587,"num_words":13,"start":339.585,"end":351.18997},{"sentences":[{"text":"Especially Yeah.","start":351.72998,"end":361.52502,"sentiment":"neutral","sentiment_score":-0.1442510113120079},{"text":"Especially if it wasn't what you wanted or what you knew about.","start":361.74503,"end":365.765,"sentiment":"negative","sentiment_score":-0.355306264013052},{"text":"You know?","start":366.945,"end":367.605,"sentiment":"neutral","sentiment_score":-0.05909612402319908},{"text":"And that's not fair.","start":367.905,"end":369.20502,"sentiment":"neutral","sentiment_score":-0.17967267613857985},{"text":"Yeah.","start":386.255,"end":386.755,"sentiment":"neutral","sentiment_score":0.04721182584762573}],"sentiment":"neutral","sentiment_score":-0.25437372940636815,"num_words":21,"start":351.72998,"end":386.755},{"sentences":[{"text":"Yeah.","start":387.135,"end":387.535,"sentiment":"neutral","sentiment_score":0.05761606991291046},{"text":"Yeah.","start":387.535,"end":387.855,"sentiment":"neutral","sentiment_score":0.05509822443127632},{"text":"That eight pension at, you know, 67.","start":387.855,"end":391.475,"sentiment":"neutral","sentiment_score":0.05337852079953466},{"text":"And, obviously, I do wanna, obviously, stress important that if you obviously take all the money out, then obviously, it obviously would have to last a long, so you won't have that regular income stream, obviously, so that you are aware aware of that.","start":391.855,"end":407.34,"sentiment":"neutral","sentiment_score":0.03431216208264232},{"text":"And, obviously, age pension won't be until 67.","start":407.34,"end":410.72,"sentiment":"neutral","sentiment_score":-0.0508617595769465}],"sentiment":"neutral","sentiment_score":0.026052540901010154,"num_words":61,"start":387.135,"end":410.72},{"sentences":[{"text":"Now 67 is age pension at the moment.","start":421.985,"end":425.365,"sentiment":"neutral","sentiment_score":-0.00603997940197587},{"text":"Yep.","start":441.705,"end":442.205,"sentiment":"neutral","sentiment_score":0.0666339099407196},{"text":"Yes.","start":444.025,"end":444.345,"sentiment":"neutral","sentiment_score":0.14849795401096344},{"text":"So that means that you can get your super out tax free.","start":444.345,"end":448.205,"sentiment":"neutral","sentiment_score":0.18590586384137472},{"text":"Yeah.","start":449.785,"end":450.285,"sentiment":"neutral","sentiment_score":0.07378801703453064}],"sentiment":"neutral","sentiment_score":0.10745523529856102,"num_words":23,"start":421.985,"end":450.285},{"sentences":[{"text":"Yep.","start":455.14,"end":455.64,"sentiment":"neutral","sentiment_score":0.03821437060832977},{"text":"Yes.","start":462.42,"end":462.92,"sentiment":"neutral","sentiment_score":0.04999631643295288},{"text":"Yeah.","start":463.30002,"end":463.80002,"sentiment":"neutral","sentiment_score":0.05858384072780609},{"text":"So preservation is when you can take the money out if you stop working.","start":464.955,"end":468.975,"sentiment":"neutral","sentiment_score":0.07674257776566915},{"text":"So that will be obviously next week for you.","start":469.755,"end":472.895,"sentiment":"neutral","sentiment_score":0.15015117989646065}],"sentiment":"neutral","sentiment_score":0.09894427829063855,"num_words":26,"start":455.14,"end":472.895},{"sentences":[{"text":"You can take everything tax free.","start":473.595,"end":475.935,"sentiment":"neutral","sentiment_score":0.1919816074271997},{"text":"The age pension, if if that's the case, that's not till 67.","start":475.995,"end":480.49,"sentiment":"neutral","sentiment_score":0.01561891621289154},{"text":"Now you said as well, obviously, with the the asset test and stuff like that for the carer payments that you had to look at it, and you are under the threshold, so you are quite comfortable with that as well?","start":484.55,"end":495.875,"sentiment":"neutral","sentiment_score":0.28894464526234603},{"text":"Yep.","start":497.455,"end":497.775,"sentiment":"neutral","sentiment_score":0.20669417083263397},{"text":"Okay.","start":497.775,"end":498.255,"sentiment":"positive","sentiment_score":0.4496524930000305}],"sentiment":"neutral","sentiment_score":0.22692448784765162,"num_words":61,"start":473.595,"end":498.255},{"sentences":[{"text":"Perfect.","start":498.255,"end":498.755,"sentiment":"positive","sentiment_score":0.6575478315353394},{"text":"So you've kind of looked into, obviously, what the limits are and stuff and stuff like that, so you don't need any advice on anything else.","start":498.975,"end":506.76,"sentiment":"neutral","sentiment_score":0.223630934380568},{"text":"You're just happy to take the money out.","start":506.76,"end":508.7,"sentiment":"positive","sentiment_score":0.542384073138237},{"text":"Yep.","start":510.52002,"end":511.02002,"sentiment":"neutral","sentiment_score":0.11691244691610336},{"text":"Okay.","start":511.08002,"end":511.58002,"sentiment":"neutral","sentiment_score":0.04078253358602524}],"sentiment":"neutral","sentiment_score":0.29645188354157115,"num_words":37,"start":498.255,"end":511.58002},{"sentences":[{"text":"To to impact yeah.","start":513.32,"end":515.72003,"sentiment":"neutral","sentiment_score":-0.02132003102451563},{"text":"Okay.","start":515.72003,"end":516.22003,"sentiment":"neutral","sentiment_score":0.03255314379930496},{"text":"And do you know, like, how much total assets and stuff you have at the moment, like, in your your bank account and cars and anything like that?","start":516.52,"end":526.71497,"sentiment":"neutral","sentiment_score":0.03737174526655248},{"text":"Would you know roughly how much you would have?","start":526.71497,"end":529.375,"sentiment":"neutral","sentiment_score":0.013474389910697937},{"text":"Mhmm.","start":546.985,"end":547.485,"sentiment":"neutral","sentiment_score":-0.03619144856929779}],"sentiment":"neutral","sentiment_score":0.0250874406463185,"num_words":43,"start":513.32,"end":547.485},{"sentences":[{"text":"Mhmm.","start":547.54504,"end":547.625,"sentiment":"neutral","sentiment_score":-0.05470339208841324},{"text":"Yeah.","start":547.625,"end":548.125,"sentiment":"neutral","sentiment_score":-0.128256157040596},{"text":"Yes.","start":548.66504,"end":549.16504,"sentiment":"neutral","sentiment_score":-0.05825003236532211},{"text":"Yeah.","start":549.78503,"end":550.28503,"sentiment":"neutral","sentiment_score":-0.00869913399219513},{"text":"Yeah.","start":550.505,"end":551.005,"sentiment":"neutral","sentiment_score":-0.00026175379753112793}],"sentiment":"neutral","sentiment_score":-0.050034093856811526,"num_words":5,"start":547.54504,"end":551.005},{"sentences":[{"text":"Okay.","start":551.945,"end":552.445,"sentiment":"neutral","sentiment_score":0.003763420507311821},{"text":"Perfect.","start":553.945,"end":554.425,"sentiment":"neutral","sentiment_score":0.2745894193649292},{"text":"So you would say, yeah.","start":554.425,"end":558.48,"sentiment":"neutral","sentiment_score":0.1375807926058769},{"text":"You would probably you would definitely be under under that limit then of $5.06 6.","start":558.48,"end":562.48,"sentiment":"neutral","sentiment_score":0.06886360583206018},{"text":"So, yeah, what I can what I can do today, Kim, like I said, I can get a form drafted to say that you would like to instruct us to place the sell on your investments today because it will take a a little while.","start":562.48,"end":576.495,"sentiment":"neutral","sentiment_score":0.09189381822943687}],"sentiment":"neutral","sentiment_score":0.09155869717473414,"num_words":67,"start":551.945,"end":576.495},{"sentences":[{"text":"And then on the tenth, I will get my colleague to give you a call.","start":577.435,"end":581.35504,"sentiment":"neutral","sentiment_score":0.0913326675693194},{"text":"Do you prefer morning or afternoon?","start":581.35504,"end":583.03503,"sentiment":"neutral","sentiment_score":0.04200034278134505},{"text":"Are you gonna be available on the tenth for a quick phone call?","start":583.03503,"end":585.81,"sentiment":"neutral","sentiment_score":0.05561495629640726},{"text":"Yes?","start":587.01,"end":587.49,"sentiment":"neutral","sentiment_score":0.06118738651275635},{"text":"Okay.","start":587.49,"end":587.89,"sentiment":"neutral","sentiment_score":0.03641608729958534}],"sentiment":"neutral","sentiment_score":0.06784972155259715,"num_words":36,"start":577.435,"end":587.89},{"sentences":[{"text":"Do in the morning?","start":587.89,"end":589.27,"sentiment":"neutral","sentiment_score":0.03207665868103504},{"text":"Okay.","start":589.41,"end":589.91,"sentiment":"neutral","sentiment_score":0.0027528603095561266},{"text":"I will get them to give you a call just to confirm that, you know, that what you signed on the document, that's all still true and correct.","start":590.05,"end":597.91,"sentiment":"neutral","sentiment_score":0.3280577627675874},{"text":"And then we can, you know, authorize that release of the super for you.","start":598.21,"end":602.935,"sentiment":"positive","sentiment_score":0.43498291075229645},{"text":"And like I mentioned, I will also get the team to send you the the form probably tomorrow, most likely, or later today with the bank details of where you want your super paid to.","start":603.715,"end":616.76996,"sentiment":"neutral","sentiment_score":0.23161410689353942}],"sentiment":"neutral","sentiment_score":0.2867430651747826,"num_words":82,"start":587.89,"end":616.76996},{"sentences":[{"text":"Oh, perfect.","start":620.43,"end":621.06995,"sentiment":"positive","sentiment_score":0.6063337922096252},{"text":"Well, if you already got it, then, obviously, if you wanna take your time to complete it, you can send it through to me.","start":621.06995,"end":626.37,"sentiment":"positive","sentiment_score":0.3649475487569968},{"text":"You will have my email address, and then I can forward it on to the team.","start":626.82996,"end":630.29,"sentiment":"neutral","sentiment_score":0.3260527215898037},{"text":"And that way, we have everything ready to go.","start":630.515,"end":632.775,"sentiment":"positive","sentiment_score":0.5762553148799472},{"text":"And like I said, obviously, once your super is then paid to you, they would mean that, obviously, you're no longer paying for services and would cease as a client.","start":633.395,"end":640.775,"sentiment":"neutral","sentiment_score":0.09285500471790632}],"sentiment":"neutral","sentiment_score":0.2859283984627253,"num_words":81,"start":620.43,"end":640.775},{"sentences":[{"text":"But if there is anything else you need down the track or if you do wanna reengage at any point, you know, you can always just give us a call or send us an email, and we can have a look at it.","start":641.635,"end":652.07,"sentiment":"neutral","sentiment_score":0.0773232705717863},{"text":"But like I said, obviously, it would mean that there would be additional fees to come on board if if you do decide that.","start":652.07,"end":659.29004,"sentiment":"neutral","sentiment_score":-0.13984245574101806},{"text":"Do you have any other questions for me, or is it all pretty, you know, straightforward?","start":661.055,"end":664.975,"sentiment":"neutral","sentiment_score":0.08958241529762745},{"text":"You kind of know what you wanna do and stuff?","start":664.975,"end":667.075,"sentiment":"neutral","sentiment_score":0.041973432525992393},{"text":"Yep.","start":669.535,"end":670.035,"sentiment":"neutral","sentiment_score":0.106944277882576}],"sentiment":"neutral","sentiment_score":0.02051786111390337,"num_words":94,"start":641.635,"end":670.035},{"sentences":[{"text":"No.","start":678.75,"end":679.07,"sentiment":"neutral","sentiment_score":-0.04628928005695343},{"text":"So it will be I can read it out to you.","start":679.07,"end":682.13,"sentiment":"neutral","sentiment_score":0.02380568872798573},{"text":"So it's hub 24, so h u v Yep.","start":682.35004,"end":691.625,"sentiment":"neutral","sentiment_score":0.02104236102766461},{"text":"Yep.","start":692.025,"end":692.505,"sentiment":"neutral","sentiment_score":0.04514167457818985},{"text":"And then super dash, and then you have choice menu, so c h o I c e.","start":692.505,"end":712.66,"sentiment":"neutral","sentiment_score":0.026106598348740268}],"sentiment":"neutral","sentiment_score":0.02292072799247809,"num_words":39,"start":678.75,"end":712.66},{"sentences":[{"text":"Yes.","start":712.8,"end":713.28,"sentiment":"neutral","sentiment_score":0.05709449201822281},{"text":"Correct.","start":713.28,"end":713.78,"sentiment":"neutral","sentiment_score":0.030584966763854027},{"text":"That's the product that that's the product you are in in Super at the moment.","start":713.84,"end":717.78,"sentiment":"positive","sentiment_score":0.41754636565844216},{"text":"Yep.","start":719.565,"end":720.065,"sentiment":"neutral","sentiment_score":0.05046489089727402},{"text":"Correct.","start":722.125,"end":722.605,"sentiment":"neutral","sentiment_score":0.0555197112262249}],"sentiment":"positive","sentiment_score":0.3398347129359057,"num_words":19,"start":712.8,"end":722.605},{"sentences":[{"text":"Yes.","start":722.605,"end":722.925,"sentiment":"neutral","sentiment_score":0.04243426397442818},{"text":"In the middle.","start":722.925,"end":723.745,"sentiment":"neutral","sentiment_score":0.04459701726833979},{"text":"Yep.","start":726.685,"end":727.165,"sentiment":"neutral","sentiment_score":0.24372461438179016},{"text":"Perfect.","start":727.165,"end":727.665,"sentiment":"positive","sentiment_score":0.6644240617752075},{"text":"If you have any issues or questions completing it, you can always just give us a call.","start":728.765,"end":732.445,"sentiment":"neutral","sentiment_score":0.22925010323524475}],"sentiment":"neutral","sentiment_score":0.21659242377980895,"num_words":23,"start":722.605,"end":732.445},{"sentences":[{"text":"And if I'm not available, one of my colleagues will be.","start":732.445,"end":736.33,"sentiment":"neutral","sentiment_score":0.07361599396575581},{"text":"But, otherwise, keep a lookout for the transaction email to come through.","start":736.71,"end":741.29,"sentiment":"neutral","sentiment_score":0.09461939086516698},{"text":"I'll see if I can get it authorized today for you.","start":742.23,"end":745.61,"sentiment":"neutral","sentiment_score":0.31521761281923816},{"text":"I'll get the team to maybe send you a quick text message when it's been sent to you as well so that you know.","start":745.99,"end":750.905,"sentiment":"neutral","sentiment_score":0.26263713898758095},{"text":"And that one just needs to be signed to obviously say that you that that's what you would like to go ahead with, and there's no advice in regards to it that we will then process that payment for you.","start":751.205,"end":761.82,"sentiment":"neutral","sentiment_score":0.11291312025859952}],"sentiment":"neutral","sentiment_score":0.16563692358227408,"num_words":98,"start":732.445,"end":761.82},{"sentences":[{"text":"Yep.","start":762.86,"end":763.26,"sentiment":"neutral","sentiment_score":0.2648974359035492},{"text":"Perfect.","start":763.26,"end":763.58,"sentiment":"positive","sentiment_score":0.5171977281570435},{"text":"And just let us know how everything is going.","start":763.58,"end":765.60004,"sentiment":"positive","sentiment_score":0.4171912173430125},{"text":"And then, yes, my colleagues will will give you a call on the tenth and sort all of this for you, Kim.","start":765.74,"end":771.44,"sentiment":"positive","sentiment_score":0.40044783733107825},{"text":"Perfect.","start":773.34,"end":773.74,"sentiment":"positive","sentiment_score":0.4003274440765381}],"sentiment":"positive","sentiment_score":0.40432341133846955,"num_words":34,"start":762.86,"end":773.74},{"sentences":[{"text":"Do you have any other questions for me otherwise?","start":773.74,"end":776.72003,"sentiment":"neutral","sentiment_score":0.09328543767333031},{"text":"Yep.","start":781.805,"end":782.285,"sentiment":"neutral","sentiment_score":0.014963380992412567},{"text":"Yep.","start":782.285,"end":782.785,"sentiment":"neutral","sentiment_score":0.007807224523276091},{"text":"Yep.","start":783.565,"end":784.065,"sentiment":"neutral","sentiment_score":0.006204158067703247},{"text":"Yeah.","start":786.445,"end":786.945,"sentiment":"neutral","sentiment_score":-0.0014439355581998825}],"sentiment":"neutral","sentiment_score":0.06669998208347422,"num_words":13,"start":773.74,"end":786.945},{"sentences":[{"text":"That would be Oakview Financial.","start":788.845,"end":790.785,"sentiment":"neutral","sentiment_score":0.00040751062333583833},{"text":"Yep.","start":797.79,"end":798.29,"sentiment":"neutral","sentiment_score":0.03120698034763336},{"text":"Let me see if I can find it here for you.","start":801.95,"end":804.69,"sentiment":"neutral","sentiment_score":0.03147925301031633},{"text":"That would also just be or if you typically, no.","start":809.275,"end":817.195,"sentiment":"neutral","sentiment_score":-0.014845341071486473},{"text":"Because, yeah, it would be our dealer group.","start":817.195,"end":821.83997,"sentiment":"neutral","sentiment_score":-0.03752969531342387}],"sentiment":"neutral","sentiment_score":-0.0019764187612703868,"num_words":35,"start":788.845,"end":821.83997},{"sentences":[{"text":"Let me see if I can find here what it says on your account.","start":821.83997,"end":824.9,"sentiment":"neutral","sentiment_score":-0.007624866307846138},{"text":"Yeah.","start":825.92,"end":826.16,"sentiment":"neutral","sentiment_score":0.014557985588908195},{"text":"So ad adviser name exactly just OQ Financial, and that would also be the dealer group.","start":826.16,"end":832.48,"sentiment":"neutral","sentiment_score":0.025376391247846186},{"text":"It's OQ Financial.","start":832.48,"end":833.62,"sentiment":"neutral","sentiment_score":0.018840176984667778},{"text":"Yes.","start":836.725,"end":837.20496,"sentiment":"neutral","sentiment_score":0.05187435448169708}],"sentiment":"neutral","sentiment_score":0.012063628648008619,"num_words":35,"start":821.83997,"end":837.20496},{"sentences":[{"text":"Yep.","start":837.20496,"end":837.70496,"sentiment":"neutral","sentiment_score":0.0420403927564621},{"text":"Yep.","start":847.3,"end":847.8,"sentiment":"neutral","sentiment_score":0.020443052053451535},{"text":"Yep.","start":857.94,"end":858.33997,"sentiment":"neutral","sentiment_score":0.040874332189559937},{"text":"Where you want it to go.","start":858.33997,"end":859.96,"sentiment":"neutral","sentiment_score":0.03380952092508475},{"text":"Yep.","start":865.71497,"end":866.21497,"sentiment":"neutral","sentiment_score":0.010490119457244871}],"sentiment":"neutral","sentiment_score":0.03167050220072269,"num_words":10,"start":837.20496,"end":866.21497},{"sentences":[{"text":"Yes.","start":872.37,"end":872.69,"sentiment":"neutral","sentiment_score":0.04375733435153961},{"text":"Correct.","start":872.69,"end":873.09,"sentiment":"neutral","sentiment_score":0.060191810131073},{"text":"Yeah.","start":873.09,"end":873.33,"sentiment":"neutral","sentiment_score":0.03771091997623443},{"text":"If we're not setting up a pension, it's just a a straight lump sum.","start":873.33,"end":877.99,"sentiment":"neutral","sentiment_score":0.0003584895083414658},{"text":"Yep.","start":882.93,"end":883.43,"sentiment":"neutral","sentiment_score":0.005126006901264191}],"sentiment":"neutral","sentiment_score":0.008433606915382875,"num_words":18,"start":872.37,"end":883.43},{"sentences":[{"text":"Does it say let's see if I does it say on there if it's different complete to the low section or anything like that, or does it kinda force you to put both?","start":889.265,"end":897.84503,"sentiment":"neutral","sentiment_score":-0.0353507904730963},{"text":"Okay.","start":902.08997,"end":902.58997,"sentiment":"neutral","sentiment_score":0.022119777277112007},{"text":"Yep.","start":902.81,"end":903.31,"sentiment":"neutral","sentiment_score":0.01867263950407505},{"text":"Yeah.","start":918.665,"end":918.985,"sentiment":"neutral","sentiment_score":0.011305256746709349},{"text":"No.","start":918.985,"end":919.22504,"sentiment":"neutral","sentiment_score":-0.020596180111169815}],"sentiment":"neutral","sentiment_score":-0.03067769168095814,"num_words":37,"start":889.265,"end":919.22504},{"sentences":[{"text":"It should usually be fine just to do your your first one because a lot of the time, people only have one bank account.","start":919.22504,"end":924.605,"sentiment":"neutral","sentiment_score":-0.002946500821659962},{"text":"Yeah.","start":926.13,"end":926.37,"sentiment":"neutral","sentiment_score":0.07608804106712341},{"text":"So that's okay.","start":926.37,"end":927.35,"sentiment":"neutral","sentiment_score":0.11663645505905151},{"text":"Yep.","start":933.01,"end":933.51,"sentiment":"neutral","sentiment_score":0.0639006644487381},{"text":"Yes.","start":936.69,"end":937.19,"sentiment":"neutral","sentiment_score":0.047116003930568695}],"sentiment":"neutral","sentiment_score":0.015543268496791522,"num_words":30,"start":919.22504,"end":937.19},{"sentences":[{"text":"Yep.","start":941.755,"end":942.255,"sentiment":"neutral","sentiment_score":0.06312452256679535},{"text":"Yep.","start":947.995,"end":948.495,"sentiment":"neutral","sentiment_score":0.03831934928894043},{"text":"Yep.","start":950.57,"end":951.07,"sentiment":"neutral","sentiment_score":0.12546733021736145},{"text":"Yeah.","start":953.21,"end":953.71,"sentiment":"neutral","sentiment_score":0.1339288055896759},{"text":"Yes.","start":954.57,"end":954.97003,"sentiment":"neutral","sentiment_score":0.17733275890350342}],"sentiment":"neutral","sentiment_score":0.1076345533132553,"num_words":5,"start":941.755,"end":954.97003},{"sentences":[{"text":"And then I will forward it on through to the team as well, and we'll get that all collated for you.","start":954.97003,"end":959.55005,"sentiment":"neutral","sentiment_score":0.19366710952350072},{"text":"Perfect.","start":961.785,"end":962.285,"sentiment":"positive","sentiment_score":0.694465696811676},{"text":"Like I said, Kim, keep a lookout for that email to come through.","start":963.225,"end":966.26495,"sentiment":"positive","sentiment_score":0.41146228634394133},{"text":"I'll get the team to text you as well when it comes through.","start":966.26495,"end":969.545,"sentiment":"neutral","sentiment_score":0.29860720898096377},{"text":"And as soon as we get that back, I will let the team know to place that cell on your investment so it's ready to go for you on Tuesday.","start":969.545,"end":977.08496,"sentiment":"neutral","sentiment_score":0.19595901469389598}],"sentiment":"neutral","sentiment_score":0.254758318933921,"num_words":78,"start":954.97003,"end":977.08496},{"sentences":[{"text":"Yep.","start":979.29,"end":979.61,"sentiment":"positive","sentiment_score":0.5075216293334961},{"text":"Perfect.","start":979.61,"end":980.11,"sentiment":"positive","sentiment_score":0.7583459615707397},{"text":"No.","start":982.33,"end":982.73,"sentiment":"neutral","sentiment_score":0.09262733161449432},{"text":"That is okay, Kim.","start":982.73,"end":983.93,"sentiment":"neutral","sentiment_score":0.1438930444419384},{"text":"And if there's anything else that you, you know, you do need, like I said, let me know.","start":983.93,"end":987.93,"sentiment":"neutral","sentiment_score":0.10409057844016287}],"sentiment":"neutral","sentiment_score":0.1523079004883766,"num_words":25,"start":979.29,"end":987.93},{"sentences":[{"text":"But, otherwise, we'll help you through this process, and I obviously wish you all the best with everything else and hope it all gets sorted with the the house and and everything with your mom and stuff like that.","start":987.93,"end":998.675,"sentiment":"neutral","sentiment_score":0.2706687211608275},{"text":"Yeah.","start":1001.535,"end":1001.935,"sentiment":"neutral","sentiment_score":-0.04627732932567597},{"text":"Yeah.","start":1001.935,"end":1002.33496,"sentiment":"neutral","sentiment_score":-0.04847573861479759},{"text":"Definitely.","start":1002.33496,"end":1002.83496,"sentiment":"neutral","sentiment_score":-0.07723399251699448},{"text":"Yeah.","start":1004.91,"end":1005.41,"sentiment":"neutral","sentiment_score":-0.050443001091480255}],"sentiment":"neutral","sentiment_score":0.24031744334240293,"num_words":43,"start":987.93,"end":1005.41},{"sentences":[{"text":"Yeah.","start":1007.31,"end":1007.81,"sentiment":"neutral","sentiment_score":-0.09384668618440628},{"text":"Yeah.","start":1015.23,"end":1015.73,"sentiment":"neutral","sentiment_score":-0.10314276814460754},{"text":"Yeah.","start":1018.445,"end":1018.84503,"sentiment":"neutral","sentiment_score":-0.10621225088834764},{"text":"Yeah.","start":1018.84503,"end":1019.085,"sentiment":"neutral","sentiment_score":-0.14291499555110931},{"text":"It gets very expensive.","start":1019.085,"end":1020.305,"sentiment":"neutral","sentiment_score":-0.2712954804301262}],"sentiment":"neutral","sentiment_score":-0.19141232781112194,"num_words":8,"start":1007.31,"end":1020.305},{"sentences":[{"text":"Yeah.","start":1022.445,"end":1022.945,"sentiment":"neutral","sentiment_score":-0.1233874410390854},{"text":"Yep.","start":1029.34,"end":1029.6599,"sentiment":"neutral","sentiment_score":-0.0007631990010850132},{"text":"Yeah.","start":1029.6599,"end":1030.14,"sentiment":"neutral","sentiment_score":0.02726353332400322},{"text":"Oh, well, that's good.","start":1030.14,"end":1031.2,"sentiment":"neutral","sentiment_score":0.11923349276185036},{"text":"And, yeah, obviously, be be obviously mindful of the age pension is 67.","start":1032.2999,"end":1036.3999,"sentiment":"neutral","sentiment_score":0.006586411063416073}],"sentiment":"neutral","sentiment_score":0.02328351040778216,"num_words":20,"start":1022.445,"end":1036.3999},{"sentences":[{"text":"And then, obviously, with the structuring of the super payments for you because it is lump sum, That is usually the biggest risk we're taking in hours.","start":1036.7,"end":1044.665,"sentiment":"neutral","sentiment_score":-0.038903186511662274},{"text":"The lump sum is then, you know, making it last until age pension.","start":1044.665,"end":1048.125,"sentiment":"neutral","sentiment_score":-0.010546092660381244},{"text":"Yeah.","start":1050.025,"end":1050.425,"sentiment":"neutral","sentiment_score":0.09468469768762589},{"text":"So it seems like you're pretty across things and stuff.","start":1050.425,"end":1053.2251,"sentiment":"neutral","sentiment_score":0.09159700088202953},{"text":"And, yeah, like I said, I I do hope that everything gets sorted for you and works out really well.","start":1053.2251,"end":1059.08,"sentiment":"positive","sentiment_score":0.3346950590610504}],"sentiment":"neutral","sentiment_score":0.09178972742717031,"num_words":71,"start":1036.7,"end":1059.08},{"sentences":[{"text":"And, yeah, like I said, if there's anything else later on that you do need, you know you know, if you have my details, and just, yeah, let me know.","start":1059.08,"end":1068.675,"sentiment":"neutral","sentiment_score":0.07901166925827662},{"text":"Yeah.","start":1070.035,"end":1070.515,"sentiment":"neutral","sentiment_score":0.17709363996982574},{"text":"Mhmm.","start":1070.515,"end":1070.915,"sentiment":"neutral","sentiment_score":0.12237609922885896},{"text":"Perfect.","start":1070.915,"end":1071.415,"sentiment":"positive","sentiment_score":0.71416836977005},{"text":"Well, I will get processed on this today, Kim, like I said.","start":1071.4751,"end":1074.615,"sentiment":"positive","sentiment_score":0.3858503873149554}],"sentiment":"neutral","sentiment_score":0.17809317409992217,"num_words":45,"start":1059.08,"end":1074.615},{"sentences":[{"text":"And, otherwise, I'll just keep a lookout for that to to come back.","start":1075.0751,"end":1078.135,"sentiment":"neutral","sentiment_score":0.07098256796598434},{"text":"No problem at all, Kim.","start":1080.781,"end":1081.981,"sentiment":"positive","sentiment_score":0.42463244795799254},{"text":"We'll we'll speak soon.","start":1081.981,"end":1083.121,"sentiment":"neutral","sentiment_score":0.32078196108341217},{"text":"Okay.","start":1084.381,"end":1084.861,"sentiment":"neutral","sentiment_score":0.13078539073467255},{"text":"Bye.","start":1084.861,"end":1085.361,"sentiment":"neutral","sentiment_score":0.1356397569179535}],"sentiment":"neutral","sentiment_score":0.19147869230558476,"num_words":24,"start":1075.0751,"end":1085.361}]}}]},{"alternatives":[{"transcript":"Hello? I'm good. Sitting right beside my phone, ready to roll. Yeah. I can't hear you very well. I've got you on speaker. That's better. Yeah. Kim Margaret Thomas. 03/10/1966 and 3 Parker Street In A F 407. Yeah. I've I've had a bit of a read up on different things. And by the looks, I can still I still continue with the carer pension because I'm looking after mom. So, yeah, I'm I'm sort of at the stage where I'd just rather take it out for now. And then that way then I've got it, and I've got another account, you know, an investment one, whatever you call it, that earns 4.5% or whatever. And yeah. And just do that for now. And then if I decide to come back with some, well, then I'll bring some back or something. You know, I'm worried about Albany. I wanna see what he wants to do first. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Well, years will years will end up years will take money off me anyway. Oh, okay. Just the fees, I mean. You know, there'll be fees for your work or something. Won't do? Okay. Yep. Yep. So I can just come back to you, email you, and talk to you about if I wanna invest more money back in there or something. Yep. Yep. Okay. Yep. Yeah. I know the I know the restriction. I've been trying to get a life insurance. Absolutely ridiculous. I had a good life insurance, but my bloody husband stopped paying it and then ended up I lost it. While I was to take it over, I was paying it, but he didn't do anything about it. I thought he already did. And then I get a letter to say it's closed. Oh, god. It was a new witness. But, anyway yeah. Yeah. Yeah. Well, it it's just the way with that, you know, like, there's there's money for the kids. So I don't know. My opinion of it is is just take it all out. I work out what I'm giving the kids, and if I can stay on the carer pension while mom's alive. And then once mom if mom dies, I'd go on the pension then, obviously. Yeah. But when I still when I still be able to go over to if mom dies before I'm 67, I can go over to the age pension on 65. Yeah. But it says if I do the leaving what's it called? The the box I ticked. You know? What's it say? Retiring after turning 60. Yeah. Yeah. But then because I took the option to to retire, your it says your preservation age is not the same, oh, okay, as the age pension age. Yep. That's all. Yep. Yep. Yep. Yeah. The limits, you mean, for yeah. Because I'm under that anyway. Well, I've got the car, and then I've probably I've still got that couple of grand from when I got that, you know, the extra out because of the bond and rent, you know, for moving. I just can't get a house. That's all. Yeah. I still got that sitting there. Yep. Yeah. Yeah. Yep. In the morning's probably better. Yeah. Yep. I just pulled that form up on the website. Yeah. Yep. Yeah. Yeah. Yeah. Pretty well straightforward. I on this form that I'm meant to fill out for the account details, it says product name. So do I just put superannuation? No? Alright. Hang on. HUB, yep, 24. Yep. Yep. Yep. Yep. Menu. Yep. Okay. And the dash is in the middle, not underscore. Yep. Okay. Yep. Yep. Yes. Yes. Okay. Okay. Sounds good. Sounds good. No. Just just filling that form out. That was all you know, it says account number, which I've got that, my name, product name you just gave me. Then it says adviser details. Adviser name, is that you? Or Okay. So Oak View Financial. Yep. And then dealer group and practice name. Not have 24. Okay. Just write the same thing. Yep. I'm just checking on that what it says, and then it says to give authority for the to request one direct one off direct debit. Yep. I just say yes. And then just put the other bank details in. Yep. This says withdrawal. It does say direct debit not available for pension account, but I just put withdrawals on it. Yep. The rest is just my bank details. So why is it got additional bank account? Got two of them. And I just the same writing for both. Oh, it's only one. Well, so they want do they want an additional one? Like, I've opened up an a and zed with a a savings one and then a deposit one, you know, they're in the 4.5 or whatever. Yeah. Yep. And then it's the declaration account holder one, which is me, which I'd be a member. Name, signature, date. That's it. And section five is direct debit terms and conditions. So there's none of that. Yeah. Oh, that's pretty straightforward. Then I'll just email that one back to you. Okay. Very good. Okay. Very good. Thanks very much for your help. Yeah. I got a fair bit going on. Need need to help help the kids and you don't help them now, well, when are you gonna help them? You know? Like, I was trying to get a life insurance and then have that, but it's just a waste of time. They just wanna charge you a phenomenal amount, which, you know, it's more money I've gotta find then, and I can't do that. Yeah. I've gotta cut cut back off. I've paid, you know, a couple of things out, so I'm just cutting back with everything now. Yeah. Yeah. That's fine. Yep. Okay then. Yep. Okay. Thanks, Veronica. Yeah. Okay. Bye. 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I'm good. Sitting right beside my phone, ready to roll. Yeah. I can't hear you very well.\n\nI've got you on speaker. That's better. Yeah. Kim Margaret Thomas. 03/10/1966 and 3 Parker Street In A F 407.\n\nYeah. I've I've had a bit of a read up on different things. And by the looks, I can still I still continue with the carer pension because I'm looking after mom. So, yeah, I'm I'm sort of at the stage where I'd just rather take it out for now. And then that way then I've got it, and I've got another account, you know, an investment one, whatever you call it, that earns 4.5% or whatever.\n\nAnd yeah. And just do that for now. And then if I decide to come back with some, well, then I'll bring some back or something. You know, I'm worried about Albany. I wanna see what he wants to do first.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. Well, years will years will end up years will take money off me anyway. Oh, okay.\n\nJust the fees, I mean. You know, there'll be fees for your work or something. Won't do? Okay. Yep.\n\nYep. So I can just come back to you, email you, and talk to you about if I wanna invest more money back in there or something. Yep. Yep. Okay.\n\nYep. Yeah. I know the I know the restriction. I've been trying to get a life insurance. Absolutely ridiculous.\n\nI had a good life insurance, but my bloody husband stopped paying it and then ended up I lost it. While I was to take it over, I was paying it, but he didn't do anything about it. I thought he already did. And then I get a letter to say it's closed. Oh, god.\n\nIt was a new witness. But, anyway yeah. Yeah. Yeah. Well, it it's just the way with that, you know, like, there's there's money for the kids.\n\nSo I don't know. My opinion of it is is just take it all out. I work out what I'm giving the kids, and if I can stay on the carer pension while mom's alive. And then once mom if mom dies, I'd go on the pension then, obviously. Yeah.\n\nBut when I still when I still be able to go over to if mom dies before I'm 67, I can go over to the age pension on 65. Yeah. But it says if I do the leaving what's it called? The the box I ticked. You know?\n\nWhat's it say? Retiring after turning 60. Yeah. Yeah. But then because I took the option to to retire, your it says your preservation age is not the same, oh, okay, as the age pension age.\n\nYep. That's all. Yep. Yep. Yep.\n\nYeah. The limits, you mean, for yeah. Because I'm under that anyway. Well, I've got the car, and then I've probably I've still got that couple of grand from when I got that, you know, the extra out because of the bond and rent, you know, for moving. I just can't get a house.\n\nThat's all. Yeah. I still got that sitting there. Yep. Yeah.\n\nYeah. Yep. In the morning's probably better. Yeah. Yep.\n\nI just pulled that form up on the website. Yeah. Yep. Yeah. Yeah.\n\nYeah. Pretty well straightforward. I on this form that I'm meant to fill out for the account details, it says product name. So do I just put superannuation? No?\n\nAlright. Hang on. HUB, yep, 24. Yep. Yep.\n\nYep. Yep. Menu. Yep. Okay.\n\nAnd the dash is in the middle, not underscore. Yep. Okay. Yep. Yep.\n\nYes. Yes. Okay. Okay. Sounds good.\n\nSounds good. No. Just just filling that form out. That was all you know, it says account number, which I've got that, my name, product name you just gave me. Then it says adviser details.\n\nAdviser name, is that you? Or Okay. So Oak View Financial. Yep. And then dealer group and practice name.\n\nNot have 24. Okay. Just write the same thing. Yep. I'm just checking on that what it says, and then it says to give authority for the to request one direct one off direct debit.\n\nYep. I just say yes. And then just put the other bank details in. Yep. This says withdrawal.\n\nIt does say direct debit not available for pension account, but I just put withdrawals on it. Yep. The rest is just my bank details. So why is it got additional bank account? Got two of them.\n\nAnd I just the same writing for both. Oh, it's only one. Well, so they want do they want an additional one? Like, I've opened up an a and zed with a a savings one and then a deposit one, you know, they're in the 4.5 or whatever. Yeah.\n\nYep. And then it's the declaration account holder one, which is me, which I'd be a member. Name, signature, date. That's it. And section five is direct debit terms and conditions.\n\nSo there's none of that. Yeah. Oh, that's pretty straightforward. Then I'll just email that one back to you. Okay.\n\nVery good. Okay. Very good. Thanks very much for your help. Yeah.\n\nI got a fair bit going on. Need need to help help the kids and you don't help them now, well, when are you gonna help them? You know? Like, I was trying to get a life insurance and then have that, but it's just a waste of time. They just wanna charge you a phenomenal amount, which, you know, it's more money I've gotta find then, and I can't do that.\n\nYeah. I've gotta cut cut back off. I've paid, you know, a couple of things out, so I'm just cutting back with everything now. Yeah. Yeah.\n\nThat's fine. Yep. Okay then. Yep. Okay.\n\nThanks, Veronica. Yeah. Okay. Bye. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.12,"end":1.62,"sentiment":"neutral","sentiment_score":0.035774115473032},{"text":"I'm good.","start":6.7999997,"end":7.62,"sentiment":"positive","sentiment_score":0.5786027014255524},{"text":"Sitting right beside my phone, ready to roll.","start":9.28,"end":11.78,"sentiment":"positive","sentiment_score":0.5959840416908264},{"text":"Yeah.","start":21.675,"end":21.994999,"sentiment":"neutral","sentiment_score":-0.036042168736457825},{"text":"I can't hear you very well.","start":21.994999,"end":23.535,"sentiment":"neutral","sentiment_score":-0.04810261415938536}],"sentiment":"neutral","sentiment_score":0.31312188878655434,"num_words":18,"start":1.12,"end":23.535},{"sentences":[{"text":"I've got you on speaker.","start":26.794998,"end":28.255,"sentiment":"neutral","sentiment_score":0.0069562959484756},{"text":"That's better.","start":32.88,"end":33.7,"sentiment":"neutral","sentiment_score":0.09204516932368279},{"text":"Yeah.","start":46.094997,"end":46.335,"sentiment":"neutral","sentiment_score":0.023850422352552417},{"text":"Kim Margaret Thomas.","start":46.335,"end":47.475,"sentiment":"neutral","sentiment_score":0.017638438070813816},{"text":"03/10/1966 and 3 Parker Street In A F 407.","start":48.254997,"end":53.394997,"sentiment":"neutral","sentiment_score":0.023828735575079918}],"sentiment":"neutral","sentiment_score":0.025504808756522834,"num_words":20,"start":26.794998,"end":53.394997},{"sentences":[{"text":"Yeah.","start":73.915,"end":74.315,"sentiment":"neutral","sentiment_score":-0.011647433042526243},{"text":"I've I've had a bit of a read up on different things.","start":74.315,"end":77.355,"sentiment":"neutral","sentiment_score":-0.03878867905586958},{"text":"And by the looks, I can still I still continue with the carer pension because I'm looking after 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years will years will end up years will take money off me anyway.","start":204.425,"end":207.965,"sentiment":"neutral","sentiment_score":-0.30027621931263376},{"text":"Oh, okay.","start":212.665,"end":213.405,"sentiment":"neutral","sentiment_score":0.0031274277716875076}],"sentiment":"neutral","sentiment_score":-0.20572628767082565,"num_words":19,"start":169.90999,"end":213.405},{"sentences":[{"text":"Just the fees, I mean.","start":219.07,"end":220.43001,"sentiment":"neutral","sentiment_score":0.038521789759397504},{"text":"You know, there'll be fees for your work or something.","start":220.43001,"end":224.19,"sentiment":"neutral","sentiment_score":-0.007940101251006127},{"text":"Won't do?","start":224.19,"end":225.01001,"sentiment":"neutral","sentiment_score":-0.0027587036602199078},{"text":"Okay.","start":230.86499,"end":231.36499,"sentiment":"neutral","sentiment_score":0.06797641515731812},{"text":"Yep.","start":243.93001,"end":244.43001,"sentiment":"neutral","sentiment_score":-0.003961868118494749}],"sentiment":"neutral","sentiment_score":0.009037109263437359,"num_words":19,"start":219.07,"end":244.43001},{"sentences":[{"text":"Yep.","start":274.08,"end":274.56,"sentiment":"neutral","sentiment_score":0.07656346261501312},{"text":"So I can just come back to you, email you, and talk to you about if I wanna invest more money back in there or something.","start":274.56,"end":282.5,"sentiment":"neutral","sentiment_score":0.11478951716652283},{"text":"Yep.","start":291.895,"end":292.395,"sentiment":"neutral","sentiment_score":-0.019259722903370857},{"text":"Yep.","start":312.40997,"end":312.90997,"sentiment":"neutral","sentiment_score":-0.03500651568174362},{"text":"Okay.","start":314.00998,"end":314.50998,"sentiment":"neutral","sentiment_score":-0.02927166409790516}],"sentiment":"neutral","sentiment_score":0.09925176687538624,"num_words":30,"start":274.08,"end":314.50998},{"sentences":[{"text":"Yep.","start":325.115,"end":325.615,"sentiment":"neutral","sentiment_score":-0.08072328567504883},{"text":"Yeah.","start":334.35,"end":334.59,"sentiment":"neutral","sentiment_score":-0.07674901187419891},{"text":"I know the I know the restriction.","start":334.59,"end":336.53,"sentiment":"neutral","sentiment_score":-0.10906844692570823},{"text":"I've been trying to get a life 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closed.","start":357.21,"end":359.21,"sentiment":"neutral","sentiment_score":-0.2854918748140335},{"text":"Oh, god.","start":359.21,"end":359.53,"sentiment":"neutral","sentiment_score":-0.3307604044675827}],"sentiment":"negative","sentiment_score":-0.38792672008275986,"num_words":55,"start":343.165,"end":359.53},{"sentences":[{"text":"It was a new witness.","start":359.53,"end":360.66998,"sentiment":"neutral","sentiment_score":-0.2979546248912811},{"text":"But, anyway yeah.","start":362.41,"end":366.97,"sentiment":"neutral","sentiment_score":-0.24951571226119995},{"text":"Yeah.","start":366.97,"end":367.47,"sentiment":"neutral","sentiment_score":-0.04815533757209778},{"text":"Yeah.","start":368.33,"end":368.41,"sentiment":"neutral","sentiment_score":-0.02837183140218258},{"text":"Well, it it's just the way with that, you know, like, there's there's money for the kids.","start":368.41,"end":372.855,"sentiment":"neutral","sentiment_score":-0.21587663625969605}],"sentiment":"neutral","sentiment_score":-0.22165741654181922,"num_words":27,"start":359.53,"end":372.855},{"sentences":[{"text":"So I don't know.","start":372.855,"end":373.915,"sentiment":"neutral","sentiment_score":-0.2552906796336174},{"text":"My opinion of it is is just take it all out.","start":374.055,"end":377.115,"sentiment":"neutral","sentiment_score":-0.10617583922364494},{"text":"I work out what I'm giving the kids, and if I can stay on the carer pension while mom's alive.","start":377.17502,"end":382.135,"sentiment":"neutral","sentiment_score":0.1957682091742754},{"text":"And then once mom if mom dies, I'd go on the pension then, obviously.","start":382.135,"end":386.29,"sentiment":"neutral","sentiment_score":-0.025599305917109762},{"text":"Yeah.","start":389.95,"end":390.45,"sentiment":"neutral","sentiment_score":0.05069223791360855}],"sentiment":"neutral","sentiment_score":0.028371383771300315,"num_words":50,"start":372.855,"end":390.45},{"sentences":[{"text":"But when I still when I still be able to go over to if mom dies before I'm 67, I can go over to the age pension on 65.","start":412.53,"end":421.83002,"sentiment":"neutral","sentiment_score":0.015199078423581246},{"text":"Yeah.","start":426.645,"end":426.885,"sentiment":"neutral","sentiment_score":0.015038592740893364},{"text":"But it says if I do the leaving what's it called?","start":426.885,"end":432.645,"sentiment":"neutral","sentiment_score":-0.004647908139635216},{"text":"The the box I ticked.","start":432.645,"end":435.285,"sentiment":"neutral","sentiment_score":0.0018689504824578762},{"text":"You know?","start":435.285,"end":435.945,"sentiment":"neutral","sentiment_score":-0.01770663447678089}],"sentiment":"neutral","sentiment_score":0.007887840853072703,"num_words":48,"start":412.53,"end":435.945},{"sentences":[{"text":"What's it say?","start":438.005,"end":438.805,"sentiment":"neutral","sentiment_score":-0.016847544349730015},{"text":"Retiring after turning 60.","start":438.805,"end":441.065,"sentiment":"neutral","sentiment_score":-0.01844719471409917},{"text":"Yeah.","start":442.94,"end":443.44,"sentiment":"neutral","sentiment_score":0.10806441307067872},{"text":"Yeah.","start":448.62,"end":449.12,"sentiment":"neutral","sentiment_score":0.08996353298425674},{"text":"But then because I took the option to to retire, your it says your preservation age is not the same, oh, okay, as the age pension age.","start":449.98,"end":462.405,"sentiment":"neutral","sentiment_score":-0.0020012176699108547}],"sentiment":"neutral","sentiment_score":0.0005462126961598793,"num_words":36,"start":438.005,"end":462.405},{"sentences":[{"text":"Yep.","start":470.065,"end":470.46,"sentiment":"neutral","sentiment_score":0.1371316760778427},{"text":"That's all.","start":473.58,"end":474.31998,"sentiment":"neutral","sentiment_score":0.060678575187921524},{"text":"Yep.","start":481.81998,"end":482.31998,"sentiment":"neutral","sentiment_score":0.256823867559433},{"text":"Yep.","start":496.815,"end":497.19,"sentiment":"neutral","sentiment_score":0.13872037827968595},{"text":"Yep.","start":497.43,"end":497.93,"sentiment":"neutral","sentiment_score":0.1282263994216919}],"sentiment":"neutral","sentiment_score":0.13037657861908278,"num_words":6,"start":470.065,"end":497.93},{"sentences":[{"text":"Yeah.","start":509.83002,"end":510.33002,"sentiment":"neutral","sentiment_score":0.14949291944503784},{"text":"The limits, you mean, for yeah.","start":510.735,"end":513.455,"sentiment":"neutral","sentiment_score":0.01144105133910974},{"text":"Because I'm under that anyway.","start":513.455,"end":514.995,"sentiment":"neutral","sentiment_score":-0.041368020325899126},{"text":"Well, I've got the car, and then I've probably I've still got that couple of grand from when I got that, you know, the extra out because of the bond and rent, you know, for moving.","start":530.39,"end":547.685,"sentiment":"neutral","sentiment_score":-0.01590191014111042},{"text":"I just can't get a house.","start":547.685,"end":548.80505,"sentiment":"neutral","sentiment_score":-0.2764630913734436}],"sentiment":"neutral","sentiment_score":-0.04111015161982289,"num_words":54,"start":509.83002,"end":548.80505},{"sentences":[{"text":"That's all.","start":548.80505,"end":549.625,"sentiment":"neutral","sentiment_score":-0.06053301319479942},{"text":"Yeah.","start":551.445,"end":551.685,"sentiment":"neutral","sentiment_score":0.0020879805088043213},{"text":"I still got that sitting there.","start":551.685,"end":553.38,"sentiment":"neutral","sentiment_score":-0.00852163570622603},{"text":"Yep.","start":577.155,"end":577.47,"sentiment":"neutral","sentiment_score":0.10781361907720566},{"text":"Yeah.","start":586.35,"end":586.67,"sentiment":"neutral","sentiment_score":0.06684896349906921}],"sentiment":"neutral","sentiment_score":0.00041406567801128733,"num_words":11,"start":548.80505,"end":586.67},{"sentences":[{"text":"Yeah.","start":586.67,"end":586.99,"sentiment":"neutral","sentiment_score":0.06094483286142349},{"text":"Yep.","start":586.99,"end":587.38995,"sentiment":"neutral","sentiment_score":0.054548051208257675},{"text":"In the morning's probably better.","start":587.38995,"end":588.82996,"sentiment":"neutral","sentiment_score":0.03008131720125675},{"text":"Yeah.","start":588.82996,"end":589.32996,"sentiment":"neutral","sentiment_score":0.054621659219264984},{"text":"Yep.","start":617.27997,"end":617.6,"sentiment":"neutral","sentiment_score":0.25768592953681946}],"sentiment":"neutral","sentiment_score":0.06424522875911659,"num_words":9,"start":586.67,"end":617.6},{"sentences":[{"text":"I just pulled that form up on the website.","start":617.6,"end":620.01996,"sentiment":"neutral","sentiment_score":0.27423757480250466},{"text":"Yeah.","start":620.16,"end":620.66,"sentiment":"positive","sentiment_score":0.34534281492233276},{"text":"Yep.","start":630.865,"end":631.365,"sentiment":"positive","sentiment_score":0.5291852951049805},{"text":"Yeah.","start":657.305,"end":657.805,"sentiment":"neutral","sentiment_score":-0.1090918704867363},{"text":"Yeah.","start":659.78503,"end":660.28503,"sentiment":"neutral","sentiment_score":0.056978777050971985}],"sentiment":"neutral","sentiment_score":0.25311947613954544,"num_words":13,"start":617.6,"end":660.28503},{"sentences":[{"text":"Yeah.","start":667.67,"end":667.91,"sentiment":"neutral","sentiment_score":0.19714009761810303},{"text":"Pretty well straightforward.","start":667.91,"end":668.89,"sentiment":"neutral","sentiment_score":0.31696714957555133},{"text":"I on this form that I'm meant to fill out for the account details, it says product 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the dash is in the middle, not 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24.","start":814.26,"end":815.64,"sentiment":"neutral","sentiment_score":-0.04615637722114722},{"text":"Okay.","start":834.76996,"end":835.08997,"sentiment":"neutral","sentiment_score":0.02573765441775322},{"text":"Just write the same thing.","start":835.08997,"end":836.47,"sentiment":"neutral","sentiment_score":0.020476819947361946},{"text":"Yep.","start":838.61,"end":839.11,"sentiment":"neutral","sentiment_score":0.011491207405924795},{"text":"I'm just checking on that what it says, and then it says to give authority for the to request one direct one off direct debit.","start":839.73,"end":852.275,"sentiment":"neutral","sentiment_score":0.01744719633832574}],"sentiment":"neutral","sentiment_score":0.012494963953005415,"num_words":35,"start":814.26,"end":852.275},{"sentences":[{"text":"Yep.","start":852.275,"end":852.59503,"sentiment":"neutral","sentiment_score":0.03247132897377014},{"text":"I just say yes.","start":852.59503,"end":853.575,"sentiment":"neutral","sentiment_score":0.02747383713722229},{"text":"And then just put the other bank details in.","start":854.995,"end":857.73505,"sentiment":"neutral","sentiment_score":0.01933703964783086},{"text":"Yep.","start":863.51996,"end":864.0,"sentiment":"neutral","sentiment_score":0.025842763483524323},{"text":"This says withdrawal.","start":864.0,"end":864.98,"sentiment":"neutral","sentiment_score":0.005537502467632294}],"sentiment":"neutral","sentiment_score":0.019936405846642122,"num_words":18,"start":852.275,"end":864.98},{"sentences":[{"text":"It does say direct debit not available for pension account, but I just put withdrawals on it.","start":865.68,"end":872.25995,"sentiment":"neutral","sentiment_score":-0.008239950984716415},{"text":"Yep.","start":879.065,"end":879.565,"sentiment":"neutral","sentiment_score":0.025694232434034348},{"text":"The rest is just my bank details.","start":880.185,"end":882.28503,"sentiment":"neutral","sentiment_score":0.009182587532060487},{"text":"So why is it got additional bank account?","start":883.145,"end":886.205,"sentiment":"neutral","sentiment_score":-0.04140813811682165},{"text":"Got two of them.","start":887.68,"end":888.82,"sentiment":"neutral","sentiment_score":-0.030438547488301992}],"sentiment":"neutral","sentiment_score":-0.01359800314782439,"num_words":37,"start":865.68,"end":888.82},{"sentences":[{"text":"And I just the same writing for both.","start":899.27997,"end":901.455,"sentiment":"neutral","sentiment_score":-0.020225901855155826},{"text":"Oh, it's only one.","start":905.055,"end":906.195,"sentiment":"neutral","sentiment_score":-0.0015534248668700457},{"text":"Well, so they want do they want an additional one?","start":906.97504,"end":909.935,"sentiment":"neutral","sentiment_score":-0.003035488398745656},{"text":"Like, I've opened up an a and zed with a a savings one and then a deposit one, you know, they're in the 4.5 or whatever.","start":909.935,"end":918.45996,"sentiment":"neutral","sentiment_score":0.009026040287258534},{"text":"Yeah.","start":928.6,"end":928.68,"sentiment":"neutral","sentiment_score":0.11572980880737305}],"sentiment":"neutral","sentiment_score":0.0031026746526512565,"num_words":49,"start":899.27997,"end":928.68},{"sentences":[{"text":"Yep.","start":928.68,"end":929.18,"sentiment":"neutral","sentiment_score":0.08945256471633911},{"text":"And then it's the declaration account holder one, which is me, which I'd be a member.","start":929.925,"end":936.345,"sentiment":"neutral","sentiment_score":0.06517145643010736},{"text":"Name, signature, date.","start":939.845,"end":941.465,"sentiment":"neutral","sentiment_score":0.040512844920158386},{"text":"That's it.","start":943.73,"end":944.20996,"sentiment":"neutral","sentiment_score":0.06351838633418083},{"text":"And section five is direct debit terms and conditions.","start":944.20996,"end":947.43,"sentiment":"neutral","sentiment_score":0.03515154392355018}],"sentiment":"neutral","sentiment_score":0.05474629259157565,"num_words":31,"start":928.68,"end":947.43},{"sentences":[{"text":"So there's none of that.","start":948.29,"end":949.32996,"sentiment":"neutral","sentiment_score":0.029837321490049362},{"text":"Yeah.","start":949.32996,"end":949.82996,"sentiment":"neutral","sentiment_score":0.12317094206809998},{"text":"Oh, that's pretty straightforward.","start":951.01,"end":952.31,"sentiment":"neutral","sentiment_score":0.28884878009557724},{"text":"Then I'll just email that one back to you.","start":952.37,"end":954.55,"sentiment":"neutral","sentiment_score":0.15310336152712503},{"text":"Okay.","start":960.075,"end":960.475,"sentiment":"positive","sentiment_score":0.45180395245552063}],"sentiment":"neutral","sentiment_score":0.1628743438050151,"num_words":20,"start":948.29,"end":960.475},{"sentences":[{"text":"Very good.","start":960.475,"end":961.21497,"sentiment":"positive","sentiment_score":0.7196802794933319},{"text":"Okay.","start":978.02,"end":978.42004,"sentiment":"neutral","sentiment_score":0.32381612062454224},{"text":"Very good.","start":978.42004,"end":979.16003,"sentiment":"positive","sentiment_score":0.6022495329380035},{"text":"Thanks very much for your help.","start":980.74005,"end":982.52,"sentiment":"positive","sentiment_score":0.7641922732194265},{"text":"Yeah.","start":999.23,"end":999.55,"sentiment":"neutral","sentiment_score":-0.009668572805821896}],"sentiment":"positive","sentiment_score":0.6285967343331625,"num_words":12,"start":960.475,"end":999.55},{"sentences":[{"text":"I got a fair bit going on.","start":999.55,"end":1001.08997,"sentiment":"neutral","sentiment_score":-0.049825192029987066},{"text":"Need need to help help the kids and you don't help them now, well, when are you gonna help them?","start":1002.02997,"end":1006.58997,"sentiment":"neutral","sentiment_score":-0.06709689311683179},{"text":"You know?","start":1006.58997,"end":1007.17,"sentiment":"neutral","sentiment_score":-0.042146654799580574},{"text":"Like, I was trying to get a life insurance and then have that, but it's just a waste of time.","start":1007.38995,"end":1011.965,"sentiment":"neutral","sentiment_score":-0.21258031763136387},{"text":"They just wanna charge you a phenomenal amount, which, you know, it's more money I've gotta find then, and I can't do that.","start":1011.965,"end":1018.145,"sentiment":"neutral","sentiment_score":-0.19632372049533803}],"sentiment":"neutral","sentiment_score":-0.1464174922245244,"num_words":72,"start":999.55,"end":1018.145},{"sentences":[{"text":"Yeah.","start":1021.325,"end":1021.825,"sentiment":"neutral","sentiment_score":-0.16140061616897583},{"text":"I've gotta cut cut back off.","start":1022.045,"end":1023.93,"sentiment":"neutral","sentiment_score":-0.1711463357011477},{"text":"I've paid, you know, a couple of things out, so I'm just cutting back with everything now.","start":1024.17,"end":1028.75,"sentiment":"neutral","sentiment_score":-0.20374475244213552},{"text":"Yeah.","start":1031.9299,"end":1032.4299,"sentiment":"neutral","sentiment_score":0.04132756590843201},{"text":"Yeah.","start":1048.8251,"end":1048.9851,"sentiment":"neutral","sentiment_score":0.05061158910393715}],"sentiment":"neutral","sentiment_score":-0.17538462564922297,"num_words":26,"start":1021.325,"end":1048.9851},{"sentences":[{"text":"That's fine.","start":1048.9851,"end":1049.805,"sentiment":"neutral","sentiment_score":0.09002652764320374},{"text":"Yep.","start":1064.52,"end":1064.955,"sentiment":"neutral","sentiment_score":0.05178297311067581},{"text":"Okay then.","start":1069.355,"end":1070.1749,"sentiment":"neutral","sentiment_score":0.047546178102493286},{"text":"Yep.","start":1078.3949,"end":1078.5549,"sentiment":"neutral","sentiment_score":0.2141374349594116},{"text":"Okay.","start":1078.5549,"end":1078.955,"sentiment":"positive","sentiment_score":0.3653632402420044}],"sentiment":"neutral","sentiment_score":0.12948986568621226,"num_words":7,"start":1048.9851,"end":1078.955},{"sentences":[{"text":"Thanks, Veronica.","start":1078.955,"end":1080.015,"sentiment":"positive","sentiment_score":0.6856598258018494},{"text":"Yeah.","start":1080.1549,"end":1080.5309,"sentiment":"positive","sentiment_score":0.4748243391513825},{"text":"Okay.","start":1083.4908,"end":1083.8909,"sentiment":"neutral","sentiment_score":0.18463030457496643},{"text":"Bye.","start":1083.8909,"end":1084.3909,"sentiment":"neutral","sentiment_score":0.17324122786521912},{"text":"Bye.","start":1085.8109,"end":1086.3109,"sentiment":"neutral","sentiment_score":-0.13462506234645844}],"sentiment":"positive","sentiment_score":0.34489841014146805,"num_words":6,"start":1078.955,"end":1086.3109}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon, Kim. It's Veronica from Workthrough Financial. How are you?\n\nChannel 1: I'm good.\n\nChannel 0: That's great.\n\nChannel 1: Sitting right beside my phone, ready to roll.\n\nChannel 0: Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Yeah. I can't hear\n\nChannel 0: Yeah.\n\nChannel 1: you very well.\n\nChannel 0: Okay. Let me have a look. Is\n\nChannel 1: I've\n\nChannel 0: that\n\nChannel 1: got\n\nChannel 0: any\n\nChannel 1: you on\n\nChannel 0: better?\n\nChannel 1: speaker.\n\nChannel 0: Alright. Let me see if I can turn off my mic. Is that any better?\n\nChannel 1: That's better.\n\nChannel 0: Yeah. Okay. Perfect. Now even though I can hear that is you, just for security purposes, could I just get you to confirm your full name, date of birth, and address, please?\n\nChannel 1: Yeah. Kim Margaret Thomas.\n\nChannel 0: Yep.\n\nChannel 1: 03/10/1966 and 3\n\nChannel 0: Yep.\n\nChannel 1: Parker Street In A F 407.\n\nChannel 0: Yep. Great. Perfect. Now, obviously, essentially, today is just to see, obviously, what you wanna do with your super, if it is that you wanna take out everything or whether you want me to do some advice and work the numbers if you want more of, like, a income stream. Have you thought anything more what you are\n\nChannel 1: Yeah.\n\nChannel 0: thinking?\n\nChannel 1: I've I've had a bit of a read up on different things. And by the looks, I can still I still continue with the carer pension because I'm looking after mom.\n\nChannel 0: Yep.\n\nChannel 1: So, yeah, I'm I'm sort of at the stage where I'd just rather take it out for now.\n\nChannel 0: Okay. Yep.\n\nChannel 1: And then that way then I've got it, and\n\nChannel 0: Yep.\n\nChannel 1: I've got another account, you know, an investment one, whatever you call it, that earns 4.5% or whatever.\n\nChannel 0: Yep. Yep. Okay. Perfect.\n\nChannel 1: And yeah. And\n\nChannel 0: Yep.\n\nChannel 1: just do that for now. And then if I decide to come back with some, well, then I'll bring some back or something. You know, I'm worried about Albany. I wanna see what he wants to do first.\n\nChannel 0: Okay. Yep. Now we definitely can do that if if you would like. So if it is that you want to go ahead and take everything out, obviously, on the tenth, so on Tuesday next week.\n\nChannel 1: Yep.\n\nChannel 0: The process would be that I will get one of my colleagues to to call you on the tenth just\n\nChannel 1: Yep.\n\nChannel 0: to confirm the declaration you've already signed, which is great. Just confirming that that's obviously still the case and you're not, you know, employed and that you've turned 60 and you want to take\n\nChannel 1: Yep.\n\nChannel 0: everything out.\n\nChannel 1: Yep.\n\nChannel 0: Now I will get the team to also send you we can do that now the form just for your bank details and stuff like that for the the transfer, so we can have that\n\nChannel 1: Yep.\n\nChannel 0: ready to go. And now because your money is invested, it sometimes takes a little while for the sell down to happen, to sell your\n\nChannel 1: Yep.\n\nChannel 0: investment. So the quickest way would be, if that is what you would like, then you would tell me today that you if you want me to go and place that order and sell all your investments today, I can get a document issued that is a transaction without advice, which is basically saying that you would like to place the sale today so that you can access your money next week, then I can get the team to do that for you,\n\nChannel 1: Yep.\n\nChannel 0: if that is what you would prefer.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Okay. So I will get\n\nChannel 1: Well,\n\nChannel 0: that.\n\nChannel 1: years will years will end up years will take money off me anyway.\n\nChannel 0: We won't take any money.\n\nChannel 1: Oh, okay.\n\nChannel 0: What do you what do you mean? Like, we will we will sell the the investments for you. And then\n\nChannel 1: Just\n\nChannel 0: once\n\nChannel 1: the\n\nChannel 0: that's\n\nChannel 1: fees,\n\nChannel 0: settled\n\nChannel 1: I mean.\n\nChannel 0: down\n\nChannel 1: You know, there'll be fees for your work or something. Won't do?\n\nChannel 0: no additional. No. It's all part of your ongoing advice fee that you pay, and that is a\n\nChannel 1: Okay.\n\nChannel 0: monthly amount. So there's no additional fees or anything like that. It is all part of the current fee that you are paying, which is just your 1.65 monthly amount that you are currently\n\nChannel 1: Yep.\n\nChannel 0: paying. So, obviously, once your super is paid out to you, that would obviously mean that we won't, you know, have you on as a client anymore and stuff like that, and, obviously, you will not pay any fees. If there is anything else that you do need later in other areas, you can obviously let us know, other because you won't be obviously paying it paying a fee. There'll be, you know, probably different arrangements if it is something that you want because you won't be, like, a a ongoing client anymore.\n\nChannel 1: Yep. So I can just come back to you, email you, and talk to you about if I wanna invest more money back in there or something.\n\nChannel 0: Yeah. If you want to reengage in the service, that that basically would mean that we would obviously cease the service once your super is paid out to you.\n\nChannel 1: Yep.\n\nChannel 0: If you want to re come on board as a client, we would have to, you know, reassess you coming on board as a client. And if we are doing and by doing that, we'd have to do, you know, your new SOA and everything like that. And that would potentially be additional fees because you are coming on board again as a potential\n\nChannel 1: Yep.\n\nChannel 0: client. So\n\nChannel 1: Okay.\n\nChannel 0: and the only thing I do wanna mention as well that there are obviously restrictions on putting money into Supernite and how much you can put in\n\nChannel 1: Yep.\n\nChannel 0: each year. So at the moment, age wise, it's fine. If you get, obviously, a bit older, there are restrictions of how much you can when\n\nChannel 1: Yeah. I\n\nChannel 0: you\n\nChannel 1: know\n\nChannel 0: can\n\nChannel 1: the\n\nChannel 0: money\n\nChannel 1: I know\n\nChannel 0: in.\n\nChannel 1: the restriction. I've been trying\n\nChannel 0: Yeah.\n\nChannel 1: to get a life insurance. Absolutely\n\nChannel 0: Yeah.\n\nChannel 1: ridiculous.\n\nChannel 0: Yeah. It it gets it gets\n\nChannel 1: I had\n\nChannel 0: billier.\n\nChannel 1: a good life\n\nChannel 0: Yeah.\n\nChannel 1: insurance, but my bloody husband stopped paying it and then ended up I lost it.\n\nChannel 0: Oh, that's not good.\n\nChannel 1: While I was\n\nChannel 0: Especially\n\nChannel 1: to take it over, I was paying it, but he didn't do anything about it. I thought he already did. And then I get a letter to say it's closed. Oh, god. It was a new witness.\n\nChannel 0: Yeah. Especially if\n\nChannel 1: But,\n\nChannel 0: it\n\nChannel 1: anyway\n\nChannel 0: wasn't what you wanted or what you knew about.\n\nChannel 1: yeah.\n\nChannel 0: You\n\nChannel 1: Yeah.\n\nChannel 0: know? And that's\n\nChannel 1: Yeah. Well,\n\nChannel 0: not fair.\n\nChannel 1: it it's just the way with that, you know, like, there's there's money for the kids. So I don't know. My opinion of it is is just take it all out. I work out what I'm giving the kids, and if I can stay on the carer pension while mom's alive. And then once mom if mom dies, I'd go on the pension then, obviously.\n\nChannel 0: Yeah. Yeah. Yeah. That eight pension at, you\n\nChannel 1: Yeah.\n\nChannel 0: know, 67. And, obviously, I do wanna, obviously, stress important that if you obviously take all the money out, then obviously, it obviously would have to last a long, so you won't have that regular income stream, obviously, so that you are aware aware of that. And, obviously, age pension won't be until 67.\n\nChannel 1: But when I still when I still be able to go over to if mom dies before I'm 67, I can go over to the age pension on 65.\n\nChannel 0: Now 67 is age pension at the moment.\n\nChannel 1: Yeah. But it says if I do the leaving what's it called? The the box I ticked. You know? What's it say?\n\nRetiring after turning 60.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Yes. So that means that you can get your super out tax free.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: But then because I took the option to to retire,\n\nChannel 0: Yep.\n\nChannel 1: your it says your preservation age is not the same, oh, okay, as the age pension age.\n\nChannel 0: Yes. Yeah. So preservation is when you can take the money out if you stop working. So that\n\nChannel 1: Yep.\n\nChannel 0: will be obviously next week for you.\n\nChannel 1: That's\n\nChannel 0: You can\n\nChannel 1: all.\n\nChannel 0: take everything tax free. The age pension, if if that's the case, that's not till 67.\n\nChannel 1: Yep.\n\nChannel 0: Now you said as well, obviously, with the the asset test and stuff like that for the carer payments that you had to look at it, and you are under the threshold, so you are quite comfortable with that as well?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Okay. Perfect. So you've kind of looked into, obviously, what the limits are and stuff and stuff like that, so you don't need any advice on anything else. You're just happy to take the money out.\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: The limits,\n\nChannel 0: Okay.\n\nChannel 1: you mean, for yeah.\n\nChannel 0: To\n\nChannel 1: Because\n\nChannel 0: to\n\nChannel 1: I'm under\n\nChannel 0: impact\n\nChannel 1: that anyway.\n\nChannel 0: yeah. Okay. And do you know, like, how much total assets and stuff you have at the moment, like, in your your bank account and cars and anything like that? Would you know roughly how much you would have?\n\nChannel 1: Well, I've got the car, and then I've probably I've still got that couple of grand from when I got that, you know, the extra out because of the bond and rent, you know,\n\nChannel 0: Mhmm.\n\nChannel 1: for moving.\n\nChannel 0: Mhmm. Yeah.\n\nChannel 1: I just can't get a house.\n\nChannel 0: Yes.\n\nChannel 1: That's all.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Yeah. I still\n\nChannel 0: Okay.\n\nChannel 1: got that sitting there.\n\nChannel 0: Perfect. So you would say, yeah. You would probably you would definitely be under under that limit then of $5.06 6. So, yeah, what I can what I can do today, Kim, like I said, I can get a form drafted to say that you would like to instruct us to place the sell on your investments today because it will take a a little while.\n\nChannel 1: Yep.\n\nChannel 0: And then on the tenth, I will get my colleague to give you a call. Do you prefer morning or afternoon? Are you gonna be available on the tenth for a quick phone call?\n\nChannel 1: Yeah. Yeah. Yep.\n\nChannel 0: Yes?\n\nChannel 1: In\n\nChannel 0: Okay.\n\nChannel 1: the morning's\n\nChannel 0: Do\n\nChannel 1: probably\n\nChannel 0: in\n\nChannel 1: better.\n\nChannel 0: the morning?\n\nChannel 1: Yeah.\n\nChannel 0: Okay. I will get them to give you a call just to confirm that, you know, that what you signed on the document, that's all still true and correct. And then we can, you know, authorize that release of the super for you. And like I mentioned, I will also get the team to send you the the form probably tomorrow, most likely, or later today with the bank details of where you want your super paid to.\n\nChannel 1: Yep. I just pulled that form up on the website. Yeah.\n\nChannel 0: Oh, perfect. Well, if you already got it, then, obviously, if you wanna take your time to complete it, you can send it through to me. You will have my email address, and then I can forward it on to the team. And that way,\n\nChannel 1: Yep.\n\nChannel 0: we have everything ready to go. And like I said, obviously, once your super is then paid to you, they would mean that, obviously, you're no longer paying for services and would cease as a client. But if there is anything else you need down the track or if you do wanna reengage at any point, you know, you can always just give us a call or send us an email, and we can have a look at it. But like I said, obviously, it would mean that there would be additional fees to come on\n\nChannel 1: Yeah.\n\nChannel 0: board if if you do decide that.\n\nChannel 1: Yeah.\n\nChannel 0: Do you have any other questions for me, or is it all pretty, you know, straightforward? You kind of know what you wanna do and stuff?\n\nChannel 1: Yeah. Pretty well straightforward. I\n\nChannel 0: Yep.\n\nChannel 1: on this form that I'm meant to fill out for the account details, it says product name. So do I just put superannuation? No?\n\nChannel 0: No. So it will be I can read it out to you. So it's hub 24, so h u v\n\nChannel 1: Alright. Hang on. HUB, yep, 24.\n\nChannel 0: Yep. Yep. And then super\n\nChannel 1: Yep.\n\nChannel 0: dash,\n\nChannel 1: Yep.\n\nChannel 0: and then you have choice menu, so c h\n\nChannel 1: Yep.\n\nChannel 0: o I\n\nChannel 1: Yep.\n\nChannel 0: c\n\nChannel 1: Menu.\n\nChannel 0: e.\n\nChannel 1: Yep.\n\nChannel 0: Yes. Correct. That's the product that that's the product you are in in Super at the moment.\n\nChannel 1: Okay. And the\n\nChannel 0: Yep.\n\nChannel 1: dash is in the middle, not underscore.\n\nChannel 0: Correct. Yes. In the middle.\n\nChannel 1: Yep. Okay. Yep.\n\nChannel 0: Yep. Perfect. If you have any issues or questions completing it, you can always just give us a call. And if I'm not available, one of my colleagues will be. But, otherwise, keep a lookout for the transaction email to come through.\n\nChannel 1: Yep.\n\nChannel 0: I'll see if I can get it authorized today for you. I'll get the team to maybe send you a quick text message when it's been sent to you as well so that you know. And that\n\nChannel 1: Yes.\n\nChannel 0: one just needs to be signed to obviously say that you that that's what you would like to go ahead with, and there's no advice in regards to it that we will then process that payment for you.\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect. And just let\n\nChannel 1: Okay.\n\nChannel 0: us know how everything is going. And then, yes, my colleagues will will give you a call on the tenth and sort all of this for you, Kim.\n\nChannel 1: Okay.\n\nChannel 0: Perfect. Do\n\nChannel 1: Sounds\n\nChannel 0: you have any\n\nChannel 1: good.\n\nChannel 0: other\n\nChannel 1: Sounds\n\nChannel 0: questions\n\nChannel 1: good.\n\nChannel 0: for me otherwise?\n\nChannel 1: No. Just just filling that form out. That was all you know, it says account number, which I've got that, my name, product\n\nChannel 0: Yep.\n\nChannel 1: name\n\nChannel 0: Yep.\n\nChannel 1: you just gave me.\n\nChannel 0: Yep.\n\nChannel 1: Then it says adviser details. Adviser\n\nChannel 0: Yeah.\n\nChannel 1: name, is that you? Or\n\nChannel 0: That would be Oakview Financial.\n\nChannel 1: Okay. So Oak View Financial. Yep.\n\nChannel 0: Yep.\n\nChannel 1: And then dealer group and practice name.\n\nChannel 0: Let me see if I can find it here for you. That would also just be or if you\n\nChannel 1: Not have 24.\n\nChannel 0: typically, no. Because, yeah, it would be our dealer group. Let me see if I can find here what it says on your account. Yeah. So ad adviser name exactly just OQ Financial, and that would also be the dealer group.\n\nIt's OQ Financial.\n\nChannel 1: Okay. Just write the same thing.\n\nChannel 0: Yes. Yep.\n\nChannel 1: Yep. I'm just checking on that what it says, and then it says to give authority for the\n\nChannel 0: Yep.\n\nChannel 1: to request one direct one off direct debit. Yep. I just say yes. And then just put the other bank details in.\n\nChannel 0: Yep. Where you want it to go.\n\nChannel 1: Yep. This says withdrawal. It\n\nChannel 0: Yep.\n\nChannel 1: does say direct debit not available for pension account, but I just put withdrawals on it.\n\nChannel 0: Yes. Correct. Yeah. If we're not setting up a pension, it's just a a straight lump sum.\n\nChannel 1: Yep. The rest is just my bank details.\n\nChannel 0: Yep.\n\nChannel 1: So why is it got additional bank account? Got two of them.\n\nChannel 0: Does it say let's see if I does it say on there if it's different complete to the low section or anything like that, or does it kinda force you to put both?\n\nChannel 1: And I just the same writing for both.\n\nChannel 0: Okay. Yep.\n\nChannel 1: Oh, it's only one. Well, so they want do they want an additional one? Like, I've opened up an a and zed with a a savings one and then a deposit one, you know, they're in the 4.5 or whatever.\n\nChannel 0: Yeah. No. It should usually be fine just to do your your first one because a lot of the time, people only have one bank account. Yeah. So that's okay.\n\nChannel 1: Yeah. Yep. And then it's the declaration\n\nChannel 0: Yep.\n\nChannel 1: account holder one, which is me, which I'd be a member.\n\nChannel 0: Yes.\n\nChannel 1: Name, signature, date.\n\nChannel 0: Yep.\n\nChannel 1: That's it. And section five is direct debit terms and conditions.\n\nChannel 0: Yep.\n\nChannel 1: So there's none of that. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Oh, that's pretty straightforward. Then I'll just email\n\nChannel 0: Yeah.\n\nChannel 1: that one back to you.\n\nChannel 0: Yes. And then I will forward it on through to the team as well, and we'll get that all collated for you.\n\nChannel 1: Okay. Very good.\n\nChannel 0: Perfect. Like I said, Kim, keep a lookout for that email to come through. I'll get the team to text you as well when it comes through. And as soon as we get that back, I will let the team know to place that cell on your investment so it's ready to go for you on Tuesday.\n\nChannel 1: Okay. Very good.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: Thanks very much for your help.\n\nChannel 0: No. That is okay, Kim. And if there's anything else that you, you know, you do need, like I said, let me know. But, otherwise, we'll help you through this process, and I obviously wish you all the best with everything else and hope it all gets sorted with the the house and and everything with your mom and stuff like that.\n\nChannel 1: Yeah. I got a fair bit going on.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Need\n\nChannel 0: Definitely.\n\nChannel 1: need to help help the kids and you don't help\n\nChannel 0: Yeah.\n\nChannel 1: them now, well, when are you gonna help them? You know?\n\nChannel 0: Yeah.\n\nChannel 1: Like, I was trying to get a life insurance and then have that, but it's just a waste of time. They just wanna charge you a phenomenal amount, which, you\n\nChannel 0: Yeah.\n\nChannel 1: know, it's more money I've gotta find then, and I can't do that.\n\nChannel 0: Yeah. Yeah. It gets very expensive.\n\nChannel 1: Yeah. I've gotta\n\nChannel 0: Yeah.\n\nChannel 1: cut cut back off. I've paid, you know, a couple of things out, so I'm just cutting back with everything now.\n\nChannel 0: Yep. Yeah. Oh, well, that's good.\n\nChannel 1: Yeah.\n\nChannel 0: And, yeah, obviously, be be obviously mindful of the age pension is 67. And then, obviously, with the structuring of the super payments for you because it is lump sum, That is usually the biggest risk we're taking in hours. The lump sum is then, you know, making it last until age pension.\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yeah. So it seems like you're pretty across things and stuff. And, yeah, like I said, I I do hope that everything gets sorted for you and works out really well. And, yeah, like I said, if there's anything else later on that you do need, you know\n\nChannel 1: Yep.\n\nChannel 0: you know, if you have my details, and just, yeah, let me know.\n\nChannel 1: Okay then.\n\nChannel 0: Yeah. Mhmm. Perfect. Well, I will get processed on this today, Kim, like I said. And, otherwise, I'll just keep a lookout for that to to come back.\n\nChannel 1: Yep. Okay. Thanks, Veronica. Yeah.\n\nChannel 0: No problem at all, Kim. We'll we'll speak soon.\n\nChannel 1: Okay. Bye.\n\nChannel 0: Okay. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.12,"end":1.62,"sentiment":"neutral","sentiment_score":0.035774115473032}],"sentiment":"neutral","sentiment_score":0.035774115473032,"channel":1,"num_words":1,"start":1.12,"end":1.62},{"sentences":[{"text":"Good afternoon, Kim.","start":2.3999999,"end":3.4399998,"sentiment":"neutral","sentiment_score":0.3199297984441121},{"text":"It's Veronica from Workthrough Financial.","start":3.4399998,"end":5.22,"sentiment":"neutral","sentiment_score":0.26124935448169706},{"text":"How are you?","start":5.3599997,"end":6.18,"sentiment":"neutral","sentiment_score":0.20751022299130759}],"sentiment":"neutral","sentiment_score":0.26259698515588586,"channel":0,"num_words":11,"start":2.3999999,"end":6.18},{"sentences":[{"text":"I'm good.","start":6.7999997,"end":7.62,"sentiment":"positive","sentiment_score":0.5786027014255524}],"sentiment":"positive","sentiment_score":0.5786027014255524,"channel":1,"num_words":2,"start":6.7999997,"end":7.62},{"sentences":[{"text":"That's great.","start":8.24,"end":9.22,"sentiment":"positive","sentiment_score":0.7658475339412689}],"sentiment":"positive","sentiment_score":0.7658475339412689,"channel":0,"num_words":2,"start":8.24,"end":9.22},{"sentences":[{"text":"Sitting right beside my phone, ready to roll.","start":9.28,"end":11.78,"sentiment":"positive","sentiment_score":0.5959840416908264}],"sentiment":"positive","sentiment_score":0.5959840416908264,"channel":1,"num_words":8,"start":9.28,"end":11.78},{"sentences":[{"text":"Perfect.","start":12.639999,"end":13.139999,"sentiment":"positive","sentiment_score":0.5589754581451416},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":14.655,"end":21.314999,"sentiment":"neutral","sentiment_score":0.04247086925496315}],"sentiment":"neutral","sentiment_score":0.05968768888463576,"channel":0,"num_words":30,"start":12.639999,"end":21.314999},{"sentences":[{"text":"Yeah.","start":21.675,"end":21.994999,"sentiment":"neutral","sentiment_score":-0.036042168736457825},{"text":"I can't hear","start":21.994999,"end":22.715,"sentiment":"neutral","sentiment_score":-0.06292873248457909}],"sentiment":"neutral","sentiment_score":-0.05620709154754877,"channel":1,"num_words":4,"start":21.675,"end":22.715},{"sentences":[{"text":"Yeah.","start":22.654999,"end":23.154999,"sentiment":"neutral","sentiment_score":-0.055445291101932526}],"sentiment":"neutral","sentiment_score":-0.055445291101932526,"channel":0,"num_words":1,"start":22.654999,"end":23.154999},{"sentences":[{"text":"you very 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on","start":27.195,"end":27.755,"sentiment":"neutral","sentiment_score":-0.006263631395995617}],"sentiment":"neutral","sentiment_score":-0.006263631395995617,"channel":1,"num_words":2,"start":27.195,"end":27.755},{"sentences":[{"text":"better?","start":27.48,"end":27.98,"sentiment":"neutral","sentiment_score":0.004098962061107159}],"sentiment":"neutral","sentiment_score":0.004098962061107159,"channel":0,"num_words":1,"start":27.48,"end":27.98},{"sentences":[{"text":"speaker.","start":27.755,"end":28.255,"sentiment":"neutral","sentiment_score":0.0030802465043962}],"sentiment":"neutral","sentiment_score":0.0030802465043962,"channel":1,"num_words":1,"start":27.755,"end":28.255},{"sentences":[{"text":"Alright.","start":29.08,"end":29.4,"sentiment":"neutral","sentiment_score":0.02785714529454708},{"text":"Let me see if I can turn off my mic.","start":29.4,"end":31.26,"sentiment":"neutral","sentiment_score":0.009893782064318657},{"text":"Is that any better?","start":31.32,"end":32.38,"sentiment":"neutral","sentiment_score":0.01599475694820285}],"sentiment":"neutral","sentiment_score":0.012718266248703003,"channel":0,"num_words":15,"start":29.08,"end":32.38},{"sentences":[{"text":"That's better.","start":32.88,"end":33.7,"sentiment":"neutral","sentiment_score":0.09204516932368279}],"sentiment":"neutral","sentiment_score":0.09204516932368279,"channel":1,"num_words":2,"start":32.88,"end":33.7},{"sentences":[{"text":"Yeah.","start":33.88,"end":34.2,"sentiment":"neutral","sentiment_score":0.0762980580329895},{"text":"Okay.","start":34.2,"end":34.68,"sentiment":"neutral","sentiment_score":0.12445086240768433},{"text":"Perfect.","start":34.68,"end":35.18,"sentiment":"neutral","sentiment_score":0.23189961910247803},{"text":"Now even though I can hear that is you, just for security purposes, could I just get you to confirm your full name, date of birth, and address, please?","start":36.84,"end":45.385002,"sentiment":"neutral","sentiment_score":0.07334353928935938}],"sentiment":"neutral","sentiment_score":0.07998784934170544,"channel":0,"num_words":32,"start":33.88,"end":45.385002},{"sentences":[{"text":"Yeah.","start":46.094997,"end":46.335,"sentiment":"neutral","sentiment_score":0.023850422352552417},{"text":"Kim Margaret Thomas.","start":46.335,"end":47.475,"sentiment":"neutral","sentiment_score":0.017638438070813816}],"sentiment":"neutral","sentiment_score":0.019191434141248465,"channel":1,"num_words":4,"start":46.094997,"end":47.475},{"sentences":[{"text":"Yep.","start":48.005,"end":48.505,"sentiment":"neutral","sentiment_score":0.022599732503294945}],"sentiment":"neutral","sentiment_score":0.022599732503294945,"channel":0,"num_words":1,"start":48.005,"end":48.505},{"sentences":[{"text":"03/10/1966 and 3","start":48.254997,"end":50.975,"sentiment":"neutral","sentiment_score":0.02013307251036167}],"sentiment":"neutral","sentiment_score":0.02013307251036167,"channel":1,"num_words":3,"start":48.254997,"end":50.975},{"sentences":[{"text":"Yep.","start":50.645,"end":51.145,"sentiment":"neutral","sentiment_score":0.02766605094075203}],"sentiment":"neutral","sentiment_score":0.02766605094075203,"channel":0,"num_words":1,"start":50.645,"end":51.145},{"sentences":[{"text":"Parker Street In A F 407.","start":50.975,"end":53.394997,"sentiment":"neutral","sentiment_score":0.02567656710743904}],"sentiment":"neutral","sentiment_score":0.02567656710743904,"channel":1,"num_words":6,"start":50.975,"end":53.394997},{"sentences":[{"text":"Yep.","start":53.55,"end":54.03,"sentiment":"neutral","sentiment_score":0.10753294825553894},{"text":"Great.","start":54.03,"end":54.53,"sentiment":"positive","sentiment_score":0.46655386686325073},{"text":"Perfect.","start":54.59,"end":55.09,"sentiment":"positive","sentiment_score":0.41475096344947815},{"text":"Now, obviously, essentially, today is just to see, obviously, what you wanna do with your super, if it is that you wanna take out everything or whether you want me to do some advice and work the numbers if you want more of, like, a income stream.","start":55.79,"end":70.455,"sentiment":"neutral","sentiment_score":0.0772438183268334},{"text":"Have you thought anything more what you 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Albany.","start":110.82,"end":112.42,"sentiment":"neutral","sentiment_score":-0.019452891622980435},{"text":"I wanna see what he wants to do first.","start":112.42,"end":114.28,"sentiment":"neutral","sentiment_score":0.00823451578617096}],"sentiment":"neutral","sentiment_score":0.03168456869101838,"channel":1,"num_words":38,"start":104.634995,"end":114.28},{"sentences":[{"text":"Okay.","start":114.975006,"end":115.475006,"sentiment":"neutral","sentiment_score":0.2581430673599243},{"text":"Yep.","start":115.615005,"end":116.115005,"sentiment":"positive","sentiment_score":0.3580004572868347},{"text":"Now we definitely can do that if if you would like.","start":116.895004,"end":120.735,"sentiment":"positive","sentiment_score":0.5718442689288746},{"text":"So if it is that you want to go ahead and take everything out, obviously, on the tenth, so on Tuesday next 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no.","start":815.435,"end":817.195,"sentiment":"neutral","sentiment_score":-0.06629981473088264},{"text":"Because, yeah, it would be our dealer group.","start":817.195,"end":821.83997,"sentiment":"neutral","sentiment_score":-0.03752969531342387},{"text":"Let me see if I can find here what it says on your account.","start":821.83997,"end":824.9,"sentiment":"neutral","sentiment_score":-0.007624866307846138},{"text":"Yeah.","start":825.92,"end":826.16,"sentiment":"neutral","sentiment_score":0.014557985588908195},{"text":"So ad adviser name exactly just OQ Financial, and that would also be the dealer group.","start":826.16,"end":832.48,"sentiment":"neutral","sentiment_score":0.025376391247846186}],"sentiment":"neutral","sentiment_score":-0.0029025627981598785,"channel":0,"num_words":41,"start":815.435,"end":832.48},{"sentences":[{"text":"It's OQ 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does it kinda force you to put both?","start":889.265,"end":897.84503,"sentiment":"neutral","sentiment_score":-0.0353507904730963}],"sentiment":"neutral","sentiment_score":-0.0353507904730963,"channel":0,"num_words":33,"start":889.265,"end":897.84503},{"sentences":[{"text":"And I just the same writing for both.","start":899.27997,"end":901.455,"sentiment":"neutral","sentiment_score":-0.020225901855155826}],"sentiment":"neutral","sentiment_score":-0.020225901855155826,"channel":1,"num_words":8,"start":899.27997,"end":901.455},{"sentences":[{"text":"Okay.","start":902.08997,"end":902.58997,"sentiment":"neutral","sentiment_score":0.022119777277112007},{"text":"Yep.","start":902.81,"end":903.31,"sentiment":"neutral","sentiment_score":0.01867263950407505}],"sentiment":"neutral","sentiment_score":0.02039620839059353,"channel":0,"num_words":2,"start":902.08997,"end":903.31},{"sentences":[{"text":"Oh, it's only 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that.","start":1015.245,"end":1018.145,"sentiment":"neutral","sentiment_score":-0.21189718292309687}],"sentiment":"neutral","sentiment_score":-0.21189718292309687,"channel":1,"num_words":13,"start":1015.245,"end":1018.145},{"sentences":[{"text":"Yeah.","start":1018.445,"end":1018.84503,"sentiment":"neutral","sentiment_score":-0.10621225088834764},{"text":"Yeah.","start":1018.84503,"end":1019.085,"sentiment":"neutral","sentiment_score":-0.14291499555110931},{"text":"It gets very expensive.","start":1019.085,"end":1020.305,"sentiment":"neutral","sentiment_score":-0.2712954804301262}],"sentiment":"neutral","sentiment_score":-0.2223848613599936,"channel":0,"num_words":6,"start":1018.445,"end":1020.305},{"sentences":[{"text":"Yeah.","start":1021.325,"end":1021.825,"sentiment":"neutral","sentiment_score":-0.16140061616897583},{"text":"I've gotta","start":1022.045,"end":1022.685,"sentiment":"neutral","sentiment_score":-0.13719713687896729}],"sentiment":"neutral","sentiment_score":-0.14526496330897012,"channel":1,"num_words":3,"start":1021.325,"end":1022.685},{"sentences":[{"text":"Yeah.","start":1022.445,"end":1022.945,"sentiment":"neutral","sentiment_score":-0.1233874410390854}],"sentiment":"neutral","sentiment_score":-0.1233874410390854,"channel":0,"num_words":1,"start":1022.445,"end":1022.945},{"sentences":[{"text":"cut cut back off.","start":1022.685,"end":1023.93,"sentiment":"neutral","sentiment_score":-0.18812093511223793},{"text":"I've paid, you know, a couple of things out, so I'm just cutting back with everything now.","start":1024.17,"end":1028.75,"sentiment":"neutral","sentiment_score":-0.20374475244213552}],"sentiment":"neutral","sentiment_score":-0.20076878723644076,"channel":1,"num_words":21,"start":1022.685,"end":1028.75},{"sentences":[{"text":"Yep.","start":1029.34,"end":1029.6599,"sentiment":"neutral","sentiment_score":-0.0007631990010850132},{"text":"Yeah.","start":1029.6599,"end":1030.14,"sentiment":"neutral","sentiment_score":0.02726353332400322},{"text":"Oh, well, that's good.","start":1030.14,"end":1031.2,"sentiment":"neutral","sentiment_score":0.11923349276185036}],"sentiment":"neutral","sentiment_score":0.08390571756171994,"channel":0,"num_words":6,"start":1029.34,"end":1031.2},{"sentences":[{"text":"Yeah.","start":1031.9299,"end":1032.4299,"sentiment":"neutral","sentiment_score":0.04132756590843201}],"sentiment":"neutral","sentiment_score":0.04132756590843201,"channel":1,"num_words":1,"start":1031.9299,"end":1032.4299},{"sentences":[{"text":"And, yeah, obviously, be be obviously mindful of the age pension is 67.","start":1032.2999,"end":1036.3999,"sentiment":"neutral","sentiment_score":0.006586411063416073},{"text":"And then, obviously, with the structuring of the super payments for you because it is lump sum, That is usually the biggest risk we're taking in hours.","start":1036.7,"end":1044.665,"sentiment":"neutral","sentiment_score":-0.038903186511662274},{"text":"The lump sum is then, you know, making it last until age pension.","start":1044.665,"end":1048.125,"sentiment":"neutral","sentiment_score":-0.010546092660381244}],"sentiment":"neutral","sentiment_score":-0.020789847105196765,"channel":0,"num_words":53,"start":1032.2999,"end":1048.125},{"sentences":[{"text":"Yeah.","start":1048.8251,"end":1048.9851,"sentiment":"neutral","sentiment_score":0.05061158910393715},{"text":"That's fine.","start":1048.9851,"end":1049.805,"sentiment":"neutral","sentiment_score":0.09002652764320374}],"sentiment":"neutral","sentiment_score":0.07688821479678154,"channel":1,"num_words":3,"start":1048.8251,"end":1049.805},{"sentences":[{"text":"Yeah.","start":1050.025,"end":1050.425,"sentiment":"neutral","sentiment_score":0.09468469768762589},{"text":"So it seems like you're pretty across things and stuff.","start":1050.425,"end":1053.2251,"sentiment":"neutral","sentiment_score":0.09159700088202953},{"text":"And, yeah, like I said, I I do hope that everything gets sorted for you and works out really well.","start":1053.2251,"end":1059.08,"sentiment":"positive","sentiment_score":0.3346950590610504},{"text":"And, yeah, like I said, if there's anything else later on that you do need, you know","start":1059.08,"end":1064.6,"sentiment":"neutral","sentiment_score":0.09118776176782216}],"sentiment":"neutral","sentiment_score":0.19280724662045637,"channel":0,"num_words":48,"start":1050.025,"end":1064.6},{"sentences":[{"text":"Yep.","start":1064.52,"end":1064.955,"sentiment":"neutral","sentiment_score":0.05178297311067581}],"sentiment":"neutral","sentiment_score":0.05178297311067581,"channel":1,"num_words":1,"start":1064.52,"end":1064.955},{"sentences":[{"text":"you know, if you have my details, and just, yeah, let me know.","start":1064.6,"end":1068.675,"sentiment":"neutral","sentiment_score":0.063089086745794}],"sentiment":"neutral","sentiment_score":0.063089086745794,"channel":0,"num_words":13,"start":1064.6,"end":1068.675},{"sentences":[{"text":"Okay then.","start":1069.355,"end":1070.1749,"sentiment":"neutral","sentiment_score":0.047546178102493286}],"sentiment":"neutral","sentiment_score":0.047546178102493286,"channel":1,"num_words":2,"start":1069.355,"end":1070.1749},{"sentences":[{"text":"Yeah.","start":1070.035,"end":1070.515,"sentiment":"neutral","sentiment_score":0.17709363996982574},{"text":"Mhmm.","start":1070.515,"end":1070.915,"sentiment":"neutral","sentiment_score":0.12237609922885896},{"text":"Perfect.","start":1070.915,"end":1071.415,"sentiment":"positive","sentiment_score":0.71416836977005},{"text":"Well, I will get processed on this today, Kim, like I said.","start":1071.4751,"end":1074.615,"sentiment":"positive","sentiment_score":0.3858503873149554},{"text":"And, otherwise, I'll just keep a lookout for that to to come back.","start":1075.0751,"end":1078.135,"sentiment":"neutral","sentiment_score":0.07098256796598434}],"sentiment":"neutral","sentiment_score":0.23452200501092843,"channel":0,"num_words":28,"start":1070.035,"end":1078.135},{"sentences":[{"text":"Yep.","start":1078.3949,"end":1078.5549,"sentiment":"neutral","sentiment_score":0.2141374349594116},{"text":"Okay.","start":1078.5549,"end":1078.955,"sentiment":"positive","sentiment_score":0.3653632402420044},{"text":"Thanks, Veronica.","start":1078.955,"end":1080.015,"sentiment":"positive","sentiment_score":0.6856598258018494},{"text":"Yeah.","start":1080.1549,"end":1080.5309,"sentiment":"positive","sentiment_score":0.4748243391513825}],"sentiment":"positive","sentiment_score":0.48512893319129946,"channel":1,"num_words":5,"start":1078.3949,"end":1080.5309},{"sentences":[{"text":"No problem at all, Kim.","start":1080.781,"end":1081.981,"sentiment":"positive","sentiment_score":0.42463244795799254},{"text":"We'll we'll speak soon.","start":1081.981,"end":1083.121,"sentiment":"neutral","sentiment_score":0.32078196108341217}],"sentiment":"positive","sentiment_score":0.3784766760137346,"channel":0,"num_words":9,"start":1080.781,"end":1083.121},{"sentences":[{"text":"Okay.","start":1083.4908,"end":1083.8909,"sentiment":"neutral","sentiment_score":0.18463030457496643},{"text":"Bye.","start":1083.8909,"end":1084.3909,"sentiment":"neutral","sentiment_score":0.17324122786521912}],"sentiment":"neutral","sentiment_score":0.17893576622009277,"channel":1,"num_words":2,"start":1083.4908,"end":1084.3909},{"sentences":[{"text":"Okay.","start":1084.381,"end":1084.861,"sentiment":"neutral","sentiment_score":0.13078539073467255},{"text":"Bye.","start":1084.861,"end":1085.361,"sentiment":"neutral","sentiment_score":0.1356397569179535}],"sentiment":"neutral","sentiment_score":0.13321257382631302,"channel":0,"num_words":2,"start":1084.381,"end":1085.361},{"sentences":[{"text":"Bye.","start":1085.8109,"end":1086.3109,"sentiment":"neutral","sentiment_score":-0.13462506234645844}],"sentiment":"neutral","sentiment_score":-0.13462506234645844,"channel":1,"num_words":1,"start":1085.8109,"end":1086.3109}]},"summary":{"result":"success","short":"A Workthrough Financial representative, Veronica, calls Kim to confirm her personal information and discuss her investment account. Kim will need to decide whether to take out everything or just do some advice and work with numbers. Veronica will send a document to Kim's bank details and reassess her future employment and service with Workthrough Financial. The speaker explains that they can take out retirement retirement money, but there are restrictions on putting money into Supernite and how much one can put in each year. The customer is instructed to sign a transaction form and return a transaction email, and the agent provides instructions on how to authorize a payment and provides the customer with information on their account and dealer groups. The agent assures the customer that they will help with the process and send an email confirmation."},"intents":{"segments":[{"text":"Now even though I can hear that is you, just for security purposes, could I just get you to confirm your full name, date of birth, and address, please? Yeah.","start_word":97,"end_word":126,"intents":[{"intent":"Confirm identity","confidence_score":0.5539666},{"intent":"Provide information","confidence_score":0.0030661675}]},{"text":"Now, obviously, essentially, today is just to see, obviously, what you wanna do with your super, if it is that you wanna take out everything or whether you want me to do some advice and work the numbers if you want more of, like, a income stream. Have you thought anything more what you are Yeah. thinking?","start_word":144,"end_word":200,"intents":[{"intent":"Discuss financial plans","confidence_score":0.004834453},{"intent":"Discuss options","confidence_score":0.0104456935},{"intent":"Discuss savings plans","confidence_score":0.00050546543}]},{"text":"You know, I'm worried about Albany. I wanna see what he wants to do first.","start_word":312,"end_word":326,"intents":[{"intent":"Discuss concerns about alberta","confidence_score":0.001978307}]},{"text":"to confirm the declaration you've already signed, which is great.","start_word":385,"end_word":394,"intents":[{"intent":"Confirm declaration","confidence_score":0.7004287}]},{"text":"Now I will get the team to also send you we can do that now the form just for your bank details and stuff like that for the the transfer, so we can have that Yep. ready to go.","start_word":423,"end_word":461,"intents":[{"intent":"Make loan form","confidence_score":3.0401807e-7}]},{"text":"So the quickest way would be, if that is what you would like, then you would tell me today that you if you want me to go and place that order and sell all your investments today, I can get a document issued that is a transaction without advice, which is basically saying that you would like to place the sale today so that you can access your money next week, then I can get the team to do that for you, Yep.","start_word":486,"end_word":568,"intents":[{"intent":"Place order","confidence_score":0.34179044}]},{"text":"What do you what do you mean? Like, we will we will sell the the investments for you. And then once Just that's the fees, settled I mean. down You know, there'll be fees for your work or something. Won't do?","start_word":605,"end_word":645,"intents":[{"intent":"Solve fees","confidence_score":0.041602146}]},{"text":"It's all part of your ongoing advice fee that you pay, and that is a Okay. monthly amount. So there's no additional fees or anything like that.","start_word":649,"end_word":675,"intents":[{"intent":"Disclose fee structure","confidence_score":0.0001182721}]},{"text":"If there is anything else that you do need later in other areas, you can obviously let us know, other because you won't be obviously paying it paying a fee. There'll be, you know, probably different arrangements if it is something that you want because you won't be, like, a a ongoing client anymore. Yep.","start_word":739,"end_word":793,"intents":[{"intent":"Discuss future plans","confidence_score":0.030068606}]},{"text":"So I can just come back to you, email you, and talk to you about if I wanna invest more money back in there or something. Yeah.","start_word":794,"end_word":820,"intents":[{"intent":"Discuss investments and fees","confidence_score":0.0044235475}]},{"text":"If you want to reengage in the service, that that basically would mean that we would obviously cease the service once your super is paid out to you. Yep.","start_word":821,"end_word":849,"intents":[{"intent":"Suggest possible reengagement in supernite","confidence_score":6.12407e-9}]},{"text":"and the only thing I do wanna mention as well that there are obviously restrictions on putting money into Supernite and how much you can put in Yep. each year.","start_word":918,"end_word":947,"intents":[{"intent":"Discuss retirement plans and changes to supernite","confidence_score":0.000020972218},{"intent":"Mention restrictions on supernite investment","confidence_score":0.010201208}]},{"text":"to get a life insurance. Absolutely Yeah. ridiculous. Yeah.","start_word":988,"end_word":996,"intents":[{"intent":"Discuss possibility of life insurance","confidence_score":0.0023058513}]},{"text":"Retiring after turning 60. Yep. Yeah.","start_word":1281,"end_word":1286,"intents":[{"intent":"Check retirement status","confidence_score":0.000055026765}]},{"text":"And then on the tenth, I will get my colleague to give you a call. Do you prefer morning or afternoon? Are you gonna be available on the tenth for a quick phone call? Yeah.","start_word":1638,"end_word":1672,"intents":[{"intent":"Schedule call with adviser","confidence_score":0.06436953}]},{"text":"I will get them to give you a call just to confirm that, you know, that what you signed on the document, that's all still true and correct.","start_word":1689,"end_word":1716,"intents":[{"intent":"Confirm signature","confidence_score":0.11186477}]},{"text":"And like I mentioned, I will also get the team to send you the the form probably tomorrow, most likely, or later today with the bank details of where you want your super paid to. Yep.","start_word":1730,"end_word":1765,"intents":[{"intent":"Provide form","confidence_score":0.10520425},{"intent":"Send form","confidence_score":0.6552368}]},{"text":"Oh, perfect. Well, if you already got it, then, obviously, if you wanna take your time to complete it, you can send it through to me. You will have my email address, and then I can forward it on to the team. And that way, Yep. we have everything ready to go.","start_word":1776,"end_word":1827,"intents":[{"intent":"Express gratitude","confidence_score":0.00016425765}]},{"text":"Well, if you already got it, then, obviously, if you wanna take your time to complete it, you can send it through to me. You will have my email address, and then I can forward it on to the team. And that way, Yep.","start_word":1778,"end_word":1821,"intents":[{"intent":"Complete form","confidence_score":0.12534858}]},{"text":"You will have my email address, and then I can forward it on to the team. And that way, Yep.","start_word":1802,"end_word":1821,"intents":[{"intent":"Provide email address","confidence_score":0.44577324}]},{"text":"Do you have any other questions for me, or is it all pretty, you know, straightforward? You kind of know what you wanna do and stuff? Yeah. Pretty well straightforward.","start_word":1927,"end_word":1956,"intents":[{"intent":"Express need for information","confidence_score":0.0000050202334}]},{"text":"I'll see if I can get it authorized today for you. I'll get the team to maybe send you a quick text message when it's been sent to you as well so that you know. And that Yes. one just needs to be signed to obviously say that you that that's what you would like to go ahead with, and there's no advice in regards to it that we will then process that payment for you. Yes. Yep.","start_word":2113,"end_word":2190,"intents":[{"intent":"Authorize payment","confidence_score":0.1261567}]},{"text":"I'm just checking on that what it says, and then it says to give authority for the Yep. to request one direct one off direct debit.","start_word":2377,"end_word":2402,"intents":[{"intent":"Request direct debit","confidence_score":0.85712373}]},{"text":"I'm just checking on that what it says, and then it says to give authority for the Yep. to request one direct one off direct debit. Yep.","start_word":2377,"end_word":2403,"intents":[{"intent":"Assist with direct debit","confidence_score":0.00033534868}]},{"text":"If we're not setting up a pension, it's just a a straight lump sum. Yep.","start_word":2448,"end_word":2462,"intents":[{"intent":"Set up pension account","confidence_score":0.35707715}]},{"text":"The rest is just my bank details. Yep.","start_word":2463,"end_word":2470,"intents":[{"intent":"Confirm bank details","confidence_score":0.09098743}]},{"text":"that one back to you. Yes. And then I will forward it on through to the team as well, and we'll get that all collated for you. Okay.","start_word":2648,"end_word":2675,"intents":[{"intent":"Email confirmation email","confidence_score":0.027122784}]},{"text":"Thanks very much for your help. No. That is okay, Kim. And if there's anything else that you, you know, you do need, like I said, let me know. But, otherwise, we'll help you through this process, and I obviously wish you all the best with everything else and hope it all gets sorted with the the house and and everything with your mom and stuff like that. Yeah.","start_word":2740,"end_word":2808,"intents":[{"intent":"Help","confidence_score":0.019077063}]},{"text":"need to help help the kids and you don't help Yeah.","start_word":2820,"end_word":2830,"intents":[{"intent":"Help kids","confidence_score":0.5485467},{"intent":"Help kids","confidence_score":0.13085996}]},{"text":"It gets very expensive. Yeah. I've gotta Yeah. cut cut back off. I've paid, you know, a couple of things out, so I'm just cutting back with everything now.","start_word":2889,"end_word":2917,"intents":[{"intent":"Reduce costs","confidence_score":0.02174457}]},{"text":"And, yeah, obviously, be be obviously mindful of the age pension is 67. And then, obviously, with the structuring of the super payments for you because it is lump sum, That is usually the biggest risk we're taking in hours. The lump sum is then, you know, making it last until age pension. Yeah.","start_word":2925,"end_word":2978,"intents":[{"intent":"Structure super payments","confidence_score":0.35561374}]}]},"sentiments":{"segments":[{"text":"Hello? Good afternoon, Kim. It's Veronica from Workthrough Financial. How are you?","start_word":0,"end_word":11,"sentiment":"neutral","sentiment_score":0.24664652347564697},{"text":"I'm good. That's great. Sitting right beside my phone, ready to roll. Perfect.","start_word":12,"end_word":24,"sentiment":"positive","sentiment_score":0.6169870495796204},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yeah. I can't hear Yeah. you very well. Okay. Let me have a look. Is I've that got any you on better? speaker. Alright. Let me see if I can turn off my mic. Is that any better? That's better. Yeah. Okay. Perfect. Now even though I can hear that is you, just for security purposes, could I just get you to confirm your full name, date of birth, and address, please? Yeah. Kim Margaret Thomas. Yep. 03/10/1966 and 3 Yep. Parker Street In A F 407. Yep.","start_word":25,"end_word":141,"sentiment":"neutral","sentiment_score":0.03823805972933769},{"text":"Great. Perfect.","start_word":142,"end_word":143,"sentiment":"positive","sentiment_score":0.4406524300575256},{"text":"Now, obviously, essentially, today is just to see, obviously, what you wanna do with your super, if it is that you wanna take out everything or whether you want me to do some advice and work the numbers if you want more of, like, a income stream. Have you thought anything more what you are Yeah. thinking? I've I've had a bit of a read up on different things. And by the looks, I can still I still continue with the carer pension because I'm looking after mom. Yep. So, yeah, I'm I'm sort of at the stage where I'd just rather take it out for now. Okay. Yep. And then that way then I've got it, and Yep. I've got another account, you know, an investment one, whatever you call it, that earns 4.5% or whatever. Yep. Yep. Okay. Perfect. And yeah. And Yep. just do that for now. And then if I decide to come back with some, well, then I'll bring some back or something. You know, I'm worried about Albany. I wanna see what he wants to do first. Okay.","start_word":144,"end_word":327,"sentiment":"neutral","sentiment_score":0.034710086861868265},{"text":"Yep. Now we definitely can do that if if you would like.","start_word":328,"end_word":339,"sentiment":"positive","sentiment_score":0.5257031917572021},{"text":"So if it is that you want to go ahead and take everything out, obviously, on the tenth, so on Tuesday next week. Yep. The process would be that I will get one of my colleagues to to call you on the tenth just Yep.","start_word":340,"end_word":384,"sentiment":"neutral","sentiment_score":0.20893895626068115},{"text":"to confirm the declaration you've already signed, which is great.","start_word":385,"end_word":394,"sentiment":"positive","sentiment_score":0.5412225723266602},{"text":"Just confirming that that's obviously still the case and you're not, you know, employed and that you've turned 60 and you want to take Yep. everything out. Yep. Now I will get the team to also send you we can do that now the form just for your bank details and stuff like that for the the transfer, so we can have that Yep.","start_word":395,"end_word":458,"sentiment":"neutral","sentiment_score":0.23913168907165527},{"text":"ready to go.","start_word":459,"end_word":461,"sentiment":"positive","sentiment_score":0.441150426864624},{"text":"And now because your money is invested, it sometimes takes a little while for the sell down to happen, to sell your Yep. investment. So the quickest way would be, if that is what you would like, then you would tell me today that you if you want me to go and place that order and sell all your investments today, I can get a document issued that is a transaction without advice, which is basically saying that you would like to place the sale today so that you can access your money next week, then I can get the team to do that for you, Yep. if that is what you would prefer. Yep. Yep. Okay. So I will get Well, that. years will years will end up years will take money off me anyway. We won't take any money. Oh, okay. What do you what do you mean? Like, we will we will sell the the investments for you. And then once Just that's the fees, settled I mean. down You know, there'll be fees for your work or something. Won't do? no additional. No. It's all part of your ongoing advice fee that you pay, and that is a Okay. monthly amount. So there's no additional fees or anything like that. It is all part of the current fee that you are paying, which is just your 1.65 monthly amount that you are currently Yep. paying. So, obviously, once your super is paid out to you, that would obviously mean that we won't, you know, have you on as a client anymore and stuff like that, and, obviously, you will not pay any fees. If there is anything else that you do need later in other areas, you can obviously let us know, other because you won't be obviously paying it paying a fee. There'll be, you know, probably different arrangements if it is something that you want because you won't be, like, a a ongoing client anymore. Yep. So I can just come back to you, email you, and talk to you about if I wanna invest more money back in there or something. Yeah. If you want to reengage in the service, that that basically would mean that we would obviously cease the service once your super is paid out to you. Yep. If you want to re come on board as a client, we would have to, you know, reassess you coming on board as a client. And if we are doing and by doing that, we'd have to do, you know, your new SOA and everything like that. And that would potentially be additional fees because you are coming on board again as a potential Yep. client. So Okay. and the only thing I do wanna mention as well that there are obviously restrictions on putting money into Supernite and how much you can put in Yep. each year. So at the moment, age wise, it's fine. If you get, obviously, a bit older, there are restrictions of how much you can when Yeah. I you know can the money I know in. the restriction. I've been trying Yeah. to get a life insurance.","start_word":462,"end_word":992,"sentiment":"neutral","sentiment_score":0.0014419811312986184},{"text":"Absolutely Yeah. ridiculous.","start_word":993,"end_word":995,"sentiment":"negative","sentiment_score":-0.4418322741985321},{"text":"Yeah.","start_word":996,"end_word":996,"sentiment":"neutral","sentiment_score":-0.28813308477401733},{"text":"It it gets it gets I had billier.","start_word":997,"end_word":1004,"sentiment":"negative","sentiment_score":-0.3648225367069245},{"text":"a good life Yeah.","start_word":1005,"end_word":1008,"sentiment":"neutral","sentiment_score":-0.1709217131137848},{"text":"insurance, but my bloody husband stopped paying it and then ended up I lost it. Oh, that's not good.","start_word":1009,"end_word":1027,"sentiment":"negative","sentiment_score":-0.656711757183075},{"text":"While I was Especially to take it over, I was paying it, but he didn't do anything about it.","start_word":1028,"end_word":1046,"sentiment":"neutral","sentiment_score":-0.31164494156837463},{"text":"I thought he already did.","start_word":1047,"end_word":1051,"sentiment":"negative","sentiment_score":-0.4177500903606415},{"text":"And then I get a letter to say it's closed. Oh, god. It was a new witness. Yeah.","start_word":1052,"end_word":1069,"sentiment":"neutral","sentiment_score":-0.29114261269569397},{"text":"Especially if But, it anyway wasn't what you wanted or what you knew about.","start_word":1070,"end_word":1083,"sentiment":"negative","sentiment_score":-0.3393665850162506},{"text":"yeah. You Yeah. know? And that's Yeah. Well, not fair. it it's just the way with that, you know, like, there's there's money for the kids. So I don't know. My opinion of it is is just take it all out. I work out what I'm giving the kids, and if I can stay on the carer pension while mom's alive. And then once mom if mom dies, I'd go on the pension then, obviously. Yeah. Yeah. Yeah. That eight pension at, you Yeah. know, 67. And, obviously, I do wanna, obviously, stress important that if you obviously take all the money out, then obviously, it obviously would have to last a long, so you won't have that regular income stream, obviously, so that you are aware aware of that. And, obviously, age pension won't be until 67. But when I still when I still be able to go over to if mom dies before I'm 67, I can go over to the age pension on 65. Now 67 is age pension at the moment. Yeah. But it says if I do the leaving what's it called? The the box I ticked. You know? What's it say? Retiring after turning 60. Yep. Yeah. Yes. So that means that you can get your super out tax free. Yeah. Yeah. But then because I took the option to to retire, Yep. your it says your preservation age is not the same, oh, okay, as the age pension age. Yes. Yeah. So preservation is when you can take the money out if you stop working. So that Yep. will be obviously next week for you. That's You can all. take everything tax free. The age pension, if if that's the case, that's not till 67. Yep. Now you said as well, obviously, with the the asset test and stuff like that for the carer payments that you had to look at it, and you are under the threshold, so you are quite comfortable with that as well? Yep. Yep. Yep.","start_word":1084,"end_word":1420,"sentiment":"neutral","sentiment_score":0.04519820432192494},{"text":"Okay. Perfect.","start_word":1421,"end_word":1422,"sentiment":"positive","sentiment_score":0.5536001920700073},{"text":"So you've kind of looked into, obviously, what the limits are and stuff and stuff like that, so you don't need any advice on anything else.","start_word":1423,"end_word":1448,"sentiment":"neutral","sentiment_score":0.24055515229701996},{"text":"You're just happy to take the money out.","start_word":1449,"end_word":1456,"sentiment":"positive","sentiment_score":0.5361927151679993},{"text":"Yeah. Yep. The limits, Okay. you mean, for yeah. To Because to I'm under impact that anyway. yeah. Okay. And do you know, like, how much total assets and stuff you have at the moment, like, in your your bank account and cars and anything like that? Would you know roughly how much you would have? Well, I've got the car, and then I've probably I've still got that couple of grand from when I got that, you know, the extra out because of the bond and rent, you know, Mhmm. for moving. Mhmm. Yeah. I just can't get a house. Yes. That's all. Yeah. Yeah. Yeah. I still Okay. got that sitting there. Perfect. So you would say, yeah. You would probably you would definitely be under under that limit then of $5.06 6. So, yeah, what I can what I can do today, Kim, like I said, I can get a form drafted to say that you would like to instruct us to place the sell on your investments today because it will take a a little while. Yep. And then on the tenth, I will get my colleague to give you a call. Do you prefer morning or afternoon? Are you gonna be available on the tenth for a quick phone call? Yeah. Yeah. Yep. Yes? In Okay. the morning's Do probably in better. the morning? Yeah. Okay. I will get them to give you a call just to confirm that, you know, that what you signed on the document, that's all still true and correct.","start_word":1457,"end_word":1715,"sentiment":"neutral","sentiment_score":0.0619828336544939},{"text":"And then we can, you know, authorize that release of the super for you.","start_word":1716,"end_word":1729,"sentiment":"positive","sentiment_score":0.4360831677913666},{"text":"And like I mentioned, I will also get the team to send you the the form probably tomorrow, most likely, or later today with the bank details of where you want your super paid to. Yep. I just pulled that form up on the website.","start_word":1730,"end_word":1774,"sentiment":"neutral","sentiment_score":0.24188479781150815},{"text":"Yeah. Oh, perfect. Well, if you already got it, then, obviously, if you wanna take your time to complete it, you can send it through to me.","start_word":1775,"end_word":1801,"sentiment":"positive","sentiment_score":0.3897048234939575},{"text":"You will have my email address, and then I can forward it on to the team.","start_word":1802,"end_word":1817,"sentiment":"neutral","sentiment_score":0.3224835991859436},{"text":"And that way, Yep. we have everything ready to go.","start_word":1818,"end_word":1827,"sentiment":"positive","sentiment_score":0.5615837574005127},{"text":"And like I said, obviously, once your super is then paid to you, they would mean that, obviously, you're no longer paying for services and would cease as a client. But if there is anything else you need down the track or if you do wanna reengage at any point, you know, you can always just give us a call or send us an email, and we can have a look at it. But like I said, obviously, it would mean that there would be additional fees to come on Yeah. board if if you do decide that. Yeah. Do you have any other questions for me, or is it all pretty, you know, straightforward? You kind of know what you wanna do and stuff? Yeah. Pretty well straightforward. I Yep. on this form that I'm meant to fill out for the account details, it says product name. So do I just put superannuation? No? No. So it will be I can read it out to you. So it's hub 24, so h u v Alright. Hang on. HUB, yep, 24. Yep. Yep. And then super Yep. dash, Yep. and then you have choice menu, so c h Yep. o I Yep. c Menu. e. Yep. Yes. Correct.","start_word":1828,"end_word":2035,"sentiment":"neutral","sentiment_score":0.04012448340654373},{"text":"That's the product that that's the product you are in in Super at the moment.","start_word":2036,"end_word":2050,"sentiment":"positive","sentiment_score":0.40626659989356995},{"text":"Okay. And the Yep. dash is in the middle, not underscore. Correct. Yes. In the middle. Yep. Okay. Yep. Yep.","start_word":2051,"end_word":2070,"sentiment":"neutral","sentiment_score":0.0754268541932106},{"text":"Perfect.","start_word":2071,"end_word":2071,"sentiment":"positive","sentiment_score":0.6644240617752075},{"text":"If you have any issues or questions completing it, you can always just give us a call. And if I'm not available, one of my colleagues will be. But, otherwise, keep a lookout for the transaction email to come through. Yep. I'll see if I can get it authorized today for you. I'll get the team to maybe send you a quick text message when it's been sent to you as well so that you know. And that Yes. one just needs to be signed to obviously say that you that that's what you would like to go ahead with, and there's no advice in regards to it that we will then process that payment for you. Yes. Yep.","start_word":2072,"end_word":2190,"sentiment":"neutral","sentiment_score":0.17677640914916992},{"text":"Perfect. And just let Okay. us know how everything is going. And then, yes, my colleagues will will give you a call on the tenth and sort all of this for you, Kim.","start_word":2191,"end_word":2223,"sentiment":"positive","sentiment_score":0.406402975320816},{"text":"Okay.","start_word":2224,"end_word":2224,"sentiment":"neutral","sentiment_score":0.2616288363933563},{"text":"Perfect.","start_word":2225,"end_word":2225,"sentiment":"positive","sentiment_score":0.4003274440765381},{"text":"Do Sounds you have any good. other Sounds questions good. for me otherwise? No. Just just filling that form out. That was all you know, it says account number, which I've got that, my name, product Yep. name Yep. you just gave me. Yep. Then it says adviser details. Adviser Yeah. name, is that you? Or That would be Oakview Financial. Okay. So Oak View Financial. Yep. Yep. And then dealer group and practice name. Let me see if I can find it here for you. That would also just be or if you Not have 24. typically, no. Because, yeah, it would be our dealer group. Let me see if I can find here what it says on your account. Yeah. So ad adviser name exactly just OQ Financial, and that would also be the dealer group. It's OQ Financial. Okay. Just write the same thing. Yes. Yep. Yep. I'm just checking on that what it says, and then it says to give authority for the Yep. to request one direct one off direct debit. Yep. I just say yes. And then just put the other bank details in. Yep. Where you want it to go. Yep. This says withdrawal. It Yep. does say direct debit not available for pension account, but I just put withdrawals on it. Yes. Correct. Yeah. If we're not setting up a pension, it's just a a straight lump sum. Yep. The rest is just my bank details. Yep. So why is it got additional bank account? Got two of them. Does it say let's see if I does it say on there if it's different complete to the low section or anything like that, or does it kinda force you to put both? And I just the same writing for both. Okay. Yep. Oh, it's only one. Well, so they want do they want an additional one? Like, I've opened up an a and zed with a a savings one and then a deposit one, you know, they're in the 4.5 or whatever. Yeah. No. It should usually be fine just to do your your first one because a lot of the time, people only have one bank account. Yeah. So that's okay. Yeah. Yep. And then it's the declaration Yep. account holder one, which is me, which I'd be a member. Yes. Name, signature, date. Yep. That's it. And section five is direct debit terms and conditions. Yep. So there's none of that. Yeah. Yep. Oh, that's pretty straightforward. Then I'll just email Yeah. that one back to you. Yes. And then I will forward it on through to the team as well, and we'll get that all collated for you.","start_word":2226,"end_word":2674,"sentiment":"neutral","sentiment_score":0.02792965293859851},{"text":"Okay. Very good. Perfect. Like I said, Kim, keep a lookout for that email to come through.","start_word":2675,"end_word":2691,"sentiment":"positive","sentiment_score":0.4716903269290924},{"text":"I'll get the team to text you as well when it comes through. And as soon as we get that back, I will let the team know to place that cell on your investment so it's ready to go for you on Tuesday. Okay.","start_word":2692,"end_word":2735,"sentiment":"neutral","sentiment_score":0.23358680781993},{"text":"Very good. Yep. Perfect. Thanks very much for your help.","start_word":2736,"end_word":2745,"sentiment":"positive","sentiment_score":0.6747894287109375},{"text":"No. That is okay, Kim. And if there's anything else that you, you know, you do need, like I said, let me know. But, otherwise, we'll help you through this process, and I obviously wish you all the best with everything else and hope it all gets sorted with the the house and and everything with your mom and stuff like that. Yeah. I got a fair bit going on. Yeah. Yeah. Need Definitely. need to help help the kids and you don't help Yeah. them now, well, when are you gonna help them? You know? Yeah. Like, I was trying to get a life insurance and then have that, but it's just a waste of time. They just wanna charge you a phenomenal amount, which, you Yeah. know, it's more money I've gotta find then, and I can't do that. Yeah. Yeah. It gets very expensive. Yeah. I've gotta Yeah. cut cut back off. I've paid, you know, a couple of things out, so I'm just cutting back with everything now. Yep. Yeah. Oh, well, that's good. Yeah. And, yeah, obviously, be be obviously mindful of the age pension is 67. And then, obviously, with the structuring of the super payments for you because it is lump sum, That is usually the biggest risk we're taking in hours. The lump sum is then, you know, making it last until age pension. Yeah. That's fine. Yeah. So it seems like you're pretty across things and stuff. And, yeah, like I said, I I do hope that everything gets sorted for you and works out really well. And, yeah, like I said, if there's anything else later on that you do need, you know Yep. you know, if you have my details, and just, yeah, let me know. Okay then. Yeah. Mhmm.","start_word":2746,"end_word":3046,"sentiment":"neutral","sentiment_score":0.008578037838467036},{"text":"Perfect. Well, I will get processed on this today, Kim, like I said.","start_word":3047,"end_word":3059,"sentiment":"positive","sentiment_score":0.4085924625396729},{"text":"And, otherwise, I'll just keep a lookout for that to to come back. Yep.","start_word":3060,"end_word":3073,"sentiment":"neutral","sentiment_score":0.09968127310276031},{"text":"Okay. Thanks, Veronica. Yeah. No problem at all, Kim.","start_word":3074,"end_word":3082,"sentiment":"positive","sentiment_score":0.4996676743030548},{"text":"We'll we'll speak soon. Okay. Bye. Okay. Bye. Bye.","start_word":3083,"end_word":3091,"sentiment":"neutral","sentiment_score":0.21562860906124115}],"average":{"sentiment":"neutral","sentiment_score":0.06816007190329695}}}}