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Apologies. It was booked in 04:00 Queensland time for me. Do you have maybe, like, twenty minutes or so? Yeah. Okay. I'll I'll tryna make it I'll tryna make it quick for you, and apologies for the mix up in time. Now I will try and make it quick, like I said, Anthony. But 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. Perfect. And just for security purposes, just so that I can confirm I'm speaking with the right person, could I please get you to confirm your full name, date of birth, and address, please? Perfect. That's exactly what I have here. Now before I do jump into it, I do like to start by asking if there is anything specific you are hoping to get out of the review today or any particular questions you might have or whether it's just a bit of an update and see kind of where we think that. No? Okay. Perfect. Now what I will do first, Anthony, is just to run through just a quick fact find with you just to see if there is anything major that has changed in your life if we do need to make any changes to your advice. So just bear with me as I go through this. Now personal information, I have you down here as married with true financial dependents. Is that correct? Yep. Perfect. And next up, Kin, in the event that something were to happen to you, I have Stacy nominated. That's also correct? Yep. Perfect. I don't actually have a phone number for her, though. Would you be able to provide that for me? One two. Yep. Three nine. Yep. 801. Great. Thank you so much. Now employment wise, has any of that changed, or are you still working as a sales manager? Property Services? Okay. Yeah. Perfect. And when did you start there? Yep. And enjoying it so far? Yes. That's good. Working full time as well with them? Yes. Great. Now income wise, did that change for you? Okay. What's your base rate yearly, if you know? Yep. Okay. And I do say you get commissions sometimes? Six. Okay. Perfect. And then it would so it would be about a 126 that you got paid and then, obviously, the 20,000 for the car allowance. Is that correct? Yep. Okay. Perfect. Oh, okay. Beautiful. So on the full $1.46, you get super contributions? Oh, that's that's really good. Okay. Perfect. Yep. Yeah. It's oh, yeah. That's really good. Yeah. Perfect. No. Not at all. And even sometimes it's, like, even commissions can be, like, depending how they calculate it and stuff. Yeah. So that's that's very good. Yeah. And, obviously, aside from your employer, you're not making additional contributions, Is that from your employer? Yep. Yep. Perfect. And do you know if they have a EBA or anything in place? Enterprise Bargain Agreement? No. Often, they will let you know if if if there is one in place. All good. Now asset wise, I do wanna confirm what I have here is correct. So I have here last time we spoke, your property was valued at about $5.80. Do you still have that property? No? Oh, per did you buy something new, or are you guys renting? Right now, a little bit, but, obviously, not from the time frame. It had gone up a lot too. Yes. Yes. Perfect. Yep. Yeah. And do you work on the business as well? No? Okay. So you don't have any ink? Yeah. Yeah. Yep. Okay. Perfect. But the business, is that in both of your names, or how is that set up? The name? Yep. No. No. Yep. Perfect. Now do you still have the motor vehicle right at about fifteen thousand? Okay. I'll update that. 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afternoon. This is Anthony. This is Veronica from ICU Financial. How are you? Good.\n\nThanks. I had you booked in to go over your annual review. Is now still a good time for you? Yeah. Apologies.\n\nIt was booked in 04:00 Queensland time for me. Do you have maybe, like, twenty minutes or so? Yeah. Okay. I'll I'll tryna make it I'll tryna make it quick for you, and apologies for the mix up in time.\n\nNow I will try and make it quick, like I said, Anthony. But 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. Perfect. And just for security purposes, just so that I can confirm I'm speaking with the right person, could I please get you to confirm your full name, date of birth, and address, please? Perfect.\n\nThat's exactly what I have here. Now before I do jump into it, I do like to start by asking if there is anything specific you are hoping to get out of the review today or any particular questions you might have or whether it's just a bit of an update and see kind of where we think that. No? Okay. Perfect.\n\nNow what I will do first, Anthony, is just to run through just a quick fact find with you just to see if there is anything major that has changed in your life if we do need to make any changes to your advice. So just bear with me as I go through this. Now personal information, I have you down here as married with true financial dependents. Is that correct? Yep.\n\nPerfect. And next up, Kin, in the event that something were to happen to you, I have Stacy nominated. That's also correct? Yep. Perfect.\n\nI don't actually have a phone number for her, though. Would you be able to provide that for me? One two. Yep. Three nine.\n\nYep. 801. Great. Thank you so much. Now employment wise, has any of that changed, or are you still working as a sales manager?\n\nProperty Services? Okay. Yeah. Perfect. And when did you start there?\n\nYep. And enjoying it so far? Yes. That's good. Working full time as well with them?\n\nYes. Great. Now income wise, did that change for you? Okay. What's your base rate yearly, if you know?\n\nYep. Okay. And I do say you get commissions sometimes? Six. Okay.\n\nPerfect. And then it would so it would be about a 126 that you got paid and then, obviously, the 20,000 for the car allowance. Is that correct? Yep. Okay.\n\nPerfect. Oh, okay. Beautiful. So on the full $1.46, you get super contributions? Oh, that's that's really good.\n\nOkay. Perfect. Yep. Yeah. It's oh, yeah.\n\nThat's really good. Yeah. Perfect. No. Not at all.\n\nAnd even sometimes it's, like, even commissions can be, like, depending how they calculate it and stuff. Yeah. So that's that's very good. Yeah. And, obviously, aside from your employer, you're not making additional contributions, Is that from your employer?\n\nYep. Yep. Perfect. And do you know if they have a EBA or anything in place? Enterprise Bargain Agreement?\n\nNo. Often, they will let you know if if if there is one in place. All good. Now asset wise, I do wanna confirm what I have here is correct. So I have here last time we spoke, your property was valued at about $5.80.\n\nDo you still have that property? No? Oh, per did you buy something new, or are you guys renting? Right now, a little bit, but, obviously, not from the time frame. It had gone up a lot too.\n\nYes. Yes. Perfect. Yep. Yeah.\n\nAnd do you work on the business as well? No? Okay. So you don't have any ink? Yeah.\n\nYeah. Yep. Okay. Perfect. But the business, is that in both of your names, or how is that set up?\n\nThe name? Yep. No. No. Yep.\n\nPerfect. Now do you still have the motor vehicle right at about fifteen thousand? Okay. I'll update that. So what's the first one?","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":5.52,"end":6.16,"sentiment":"neutral","sentiment_score":0.31641317903995514},{"text":"This is Anthony.","start":6.16,"end":6.98,"sentiment":"neutral","sentiment_score":0.13614435493946075},{"text":"This is Veronica from ICU Financial.","start":9.12,"end":11.38,"sentiment":"neutral","sentiment_score":0.20549515138069788},{"text":"How are you?","start":11.44,"end":12.259999,"sentiment":"neutral","sentiment_score":0.22429137925306955},{"text":"Good.","start":14.96,"end":15.28,"sentiment":"positive","sentiment_score":0.5694785118103027}],"sentiment":"neutral","sentiment_score":0.2344388653834661,"num_words":15,"start":5.52,"end":15.28},{"sentences":[{"text":"Thanks.","start":15.28,"end":15.78,"sentiment":"positive","sentiment_score":0.6001262068748474},{"text":"I had you booked in to go over your annual review.","start":16.535,"end":19.095001,"sentiment":"positive","sentiment_score":0.3463094491850246},{"text":"Is now still a good time for you?","start":19.095001,"end":20.715,"sentiment":"neutral","sentiment_score":0.27801297418773174},{"text":"Yeah.","start":27.895,"end":28.395,"sentiment":"neutral","sentiment_score":-0.031661611050367355},{"text":"Apologies.","start":29.494999,"end":29.994999,"sentiment":"neutral","sentiment_score":-0.12166446447372437}],"sentiment":"neutral","sentiment_score":0.2945594484494491,"num_words":22,"start":15.28,"end":29.994999},{"sentences":[{"text":"It was booked in 04:00 Queensland time for me.","start":30.135,"end":33.87,"sentiment":"neutral","sentiment_score":0.00489308126270771},{"text":"Do you have maybe, like, twenty minutes or so?","start":34.89,"end":38.27,"sentiment":"neutral","sentiment_score":-0.004300169439779388},{"text":"Yeah.","start":41.129997,"end":41.629997,"sentiment":"neutral","sentiment_score":-0.03987520933151245},{"text":"Okay.","start":42.97,"end":43.47,"sentiment":"neutral","sentiment_score":-0.0028584077954292297},{"text":"I'll I'll tryna make it I'll tryna make it quick for you, and apologies for the mix up in time.","start":43.53,"end":50.085,"sentiment":"neutral","sentiment_score":-0.05515648996224627}],"sentiment":"neutral","sentiment_score":-0.028513180249137803,"num_words":40,"start":30.135,"end":50.085},{"sentences":[{"text":"Now I will try and make it quick, like I said, Anthony.","start":52.705,"end":55.184998,"sentiment":"neutral","sentiment_score":0.0588405334080259},{"text":"But 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":55.184998,"end":61.920002,"sentiment":"neutral","sentiment_score":0.008677741579179252},{"text":"Perfect.","start":64.46,"end":64.96,"sentiment":"neutral","sentiment_score":0.1583426594734192},{"text":"And just for security purposes, just so that I can confirm I'm speaking with the right person, could I please get you to confirm your full name, date of birth, and address, please?","start":65.1,"end":85.365005,"sentiment":"neutral","sentiment_score":0.08218516488418434},{"text":"Perfect.","start":85.985,"end":86.485,"sentiment":"positive","sentiment_score":0.49436503648757935}],"sentiment":"neutral","sentiment_score":0.05751841736336549,"num_words":75,"start":52.705,"end":86.485},{"sentences":[{"text":"That's exactly what I have here.","start":86.705,"end":88.49,"sentiment":"positive","sentiment_score":0.5571401566267014},{"text":"Now before I do jump into it, I do like to start by asking if there is anything specific you are hoping to get out of the review today or any particular questions you might have or whether it's just a bit of an update and see kind of where we think that.","start":88.71,"end":104.055,"sentiment":"neutral","sentiment_score":0.04705765941795313},{"text":"No?","start":104.615,"end":105.115,"sentiment":"neutral","sentiment_score":0.001814141869544983},{"text":"Okay.","start":105.255,"end":105.755,"sentiment":"neutral","sentiment_score":0.12485498189926147},{"text":"Perfect.","start":105.814995,"end":106.314995,"sentiment":"neutral","sentiment_score":0.01594766043126583}],"sentiment":"neutral","sentiment_score":0.09644376892115801,"num_words":62,"start":86.705,"end":106.314995},{"sentences":[{"text":"Now what I will do first, Anthony, is just to run through just a quick fact find with you just to see if there is anything major that has changed in your life if we do need to make any changes to your advice.","start":106.775,"end":117.149994,"sentiment":"neutral","sentiment_score":0.029770337595519693},{"text":"So just bear with me as I go through this.","start":117.21,"end":119.549995,"sentiment":"neutral","sentiment_score":0.03606725838035345},{"text":"Now personal information, I have you down here as married with true financial dependents.","start":120.96999,"end":127.125,"sentiment":"neutral","sentiment_score":0.027763703438852514},{"text":"Is that correct?","start":127.125,"end":128.025,"sentiment":"neutral","sentiment_score":0.03470234324534734},{"text":"Yep.","start":129.685,"end":130.08499,"sentiment":"neutral","sentiment_score":0.15327522158622742}],"sentiment":"neutral","sentiment_score":0.032175576909341745,"num_words":72,"start":106.775,"end":130.08499},{"sentences":[{"text":"Perfect.","start":130.08499,"end":130.58499,"sentiment":"positive","sentiment_score":0.39383190870285034},{"text":"And next up, Kin, in the event that something were to happen to you, I have Stacy nominated.","start":130.885,"end":135.605,"sentiment":"neutral","sentiment_score":0.15840609702799055},{"text":"That's also correct?","start":135.605,"end":136.745,"sentiment":"neutral","sentiment_score":0.10867574314276378},{"text":"Yep.","start":138.08499,"end":138.485,"sentiment":"neutral","sentiment_score":0.04089754447340965},{"text":"Perfect.","start":138.485,"end":138.885,"sentiment":"neutral","sentiment_score":0.12336774915456772}],"sentiment":"neutral","sentiment_score":0.1556430907609562,"num_words":24,"start":130.08499,"end":138.885},{"sentences":[{"text":"I don't actually have a phone number for her, though.","start":138.885,"end":142.37999,"sentiment":"neutral","sentiment_score":-0.05660230666399002},{"text":"Would you be able to provide that for me?","start":142.37999,"end":144.56,"sentiment":"neutral","sentiment_score":-0.006794793841739495},{"text":"One two.","start":148.54,"end":149.26,"sentiment":"neutral","sentiment_score":0.004023494198918343},{"text":"Yep.","start":149.26,"end":149.76,"sentiment":"neutral","sentiment_score":0.0070473430678248405},{"text":"Three nine.","start":152.3,"end":152.94,"sentiment":"neutral","sentiment_score":0.00492109009064734}],"sentiment":"neutral","sentiment_score":-0.02509332081535831,"num_words":24,"start":138.885,"end":152.94},{"sentences":[{"text":"Yep.","start":152.94,"end":153.44,"sentiment":"neutral","sentiment_score":0.007910152897238731},{"text":"801.","start":155.5,"end":156.655,"sentiment":"neutral","sentiment_score":0.008212589658796787},{"text":"Great.","start":156.655,"end":156.895,"sentiment":"positive","sentiment_score":0.4620444178581238},{"text":"Thank you so much.","start":156.895,"end":158.115,"sentiment":"positive","sentiment_score":0.6002905666828156},{"text":"Now employment wise, has any of that changed, or are you still working as a sales manager?","start":158.735,"end":163.71501,"sentiment":"neutral","sentiment_score":0.014690519365317681}],"sentiment":"neutral","sentiment_score":0.1303778440148259,"num_words":24,"start":152.94,"end":163.71501},{"sentences":[{"text":"Property Services?","start":169.77501,"end":170.595,"sentiment":"neutral","sentiment_score":-0.008365627843886614},{"text":"Okay.","start":173.89,"end":174.39,"sentiment":"neutral","sentiment_score":0.010647157207131386},{"text":"Yeah.","start":182.45001,"end":182.95001,"sentiment":"neutral","sentiment_score":0.062466561794281006},{"text":"Perfect.","start":183.215,"end":183.61499,"sentiment":"neutral","sentiment_score":0.1812664270401001},{"text":"And when did you start there?","start":183.61499,"end":185.075,"sentiment":"neutral","sentiment_score":0.04265729400018851}],"sentiment":"neutral","sentiment_score":0.04487205948680639,"num_words":11,"start":169.77501,"end":185.075},{"sentences":[{"text":"Yep.","start":193.69499,"end":194.19499,"sentiment":"neutral","sentiment_score":0.09391407668590546},{"text":"And enjoying it so far?","start":195.295,"end":196.83499,"sentiment":"neutral","sentiment_score":0.2152923196554184},{"text":"Yes.","start":198.495,"end":198.84,"sentiment":"neutral","sentiment_score":0.3026058077812195},{"text":"That's good.","start":199.72,"end":200.54,"sentiment":"positive","sentiment_score":0.36773112416267395},{"text":"Working full time as well with them?","start":201.64,"end":203.81999,"sentiment":"neutral","sentiment_score":0.1799801971231188}],"sentiment":"neutral","sentiment_score":0.21676906943321228,"num_words":16,"start":193.69499,"end":203.81999},{"sentences":[{"text":"Yes.","start":204.76,"end":205.26,"sentiment":"neutral","sentiment_score":0.15687072277069092},{"text":"Great.","start":205.56,"end":206.06,"sentiment":"neutral","sentiment_score":0.2699568271636963},{"text":"Now income wise, did that change for you?","start":206.36,"end":210.54,"sentiment":"neutral","sentiment_score":0.09794085333123803},{"text":"Okay.","start":217.27501,"end":217.77501,"sentiment":"neutral","sentiment_score":0.04500813037157059},{"text":"What's your base rate yearly, if you know?","start":217.99501,"end":221.93501,"sentiment":"neutral","sentiment_score":0.0261031084228307}],"sentiment":"neutral","sentiment_score":0.07706249338623725,"num_words":19,"start":204.76,"end":221.93501},{"sentences":[{"text":"Yep.","start":225.675,"end":225.9,"sentiment":"neutral","sentiment_score":0.05835150182247162},{"text":"Okay.","start":233.01999,"end":233.51999,"sentiment":"neutral","sentiment_score":0.003387928009033203},{"text":"And I do say you get commissions 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correct?","start":266.905,"end":267.725,"sentiment":"neutral","sentiment_score":0.11222662031650543},{"text":"Yep.","start":270.025,"end":270.42502,"sentiment":"neutral","sentiment_score":0.18174199759960177},{"text":"Okay.","start":270.42502,"end":270.825,"sentiment":"neutral","sentiment_score":0.30566295981407166}],"sentiment":"neutral","sentiment_score":0.1676504467924436,"num_words":30,"start":256.62,"end":270.825},{"sentences":[{"text":"Perfect.","start":270.825,"end":271.325,"sentiment":"positive","sentiment_score":0.5019968748092651},{"text":"Oh, okay.","start":275.545,"end":276.21,"sentiment":"neutral","sentiment_score":0.24835629761219025},{"text":"Beautiful.","start":276.37,"end":276.87,"sentiment":"positive","sentiment_score":0.4235085248947144},{"text":"So on the full $1.46, you get super contributions?","start":277.09,"end":280.38998,"sentiment":"neutral","sentiment_score":0.16584606717030206},{"text":"Oh, that's that's really good.","start":281.65,"end":283.88998,"sentiment":"positive","sentiment_score":0.49761406183242796}],"sentiment":"neutral","sentiment_score":0.3001612727012899,"num_words":18,"start":270.825,"end":283.88998},{"sentences":[{"text":"Okay.","start":283.88998,"end":284.37,"sentiment":"neutral","sentiment_score":0.2951481342315674},{"text":"Perfect.","start":284.37,"end":284.87,"sentiment":"positive","sentiment_score":0.3635497093200683},{"text":"Yep.","start":299.345,"end":299.845,"sentiment":"neutral","sentiment_score":0.05560752749443054},{"text":"Yeah.","start":307.05002,"end":307.37003,"sentiment":"neutral","sentiment_score":0.11628386378288268},{"text":"It's oh, yeah.","start":307.37003,"end":308.33002,"sentiment":"neutral","sentiment_score":0.17484375834465027}],"sentiment":"neutral","sentiment_score":0.19358864426612854,"num_words":7,"start":283.88998,"end":308.33002},{"sentences":[{"text":"That's really good.","start":308.33002,"end":309.31,"sentiment":"neutral","sentiment_score":0.24921263754367828},{"text":"Yeah.","start":312.49002,"end":312.99002,"sentiment":"neutral","sentiment_score":0.018802780658006668},{"text":"Perfect.","start":313.69,"end":314.19,"sentiment":"neutral","sentiment_score":-0.03964392840862274},{"text":"No.","start":315.37003,"end":315.77002,"sentiment":"neutral","sentiment_score":-0.05543489381670952},{"text":"Not at all.","start":315.77002,"end":316.41,"sentiment":"neutral","sentiment_score":-0.04505252341429392}],"sentiment":"neutral","sentiment_score":0.05957825564675861,"num_words":9,"start":308.33002,"end":316.41},{"sentences":[{"text":"And even sometimes it's, like, even commissions can be, like, depending how they calculate it and stuff.","start":316.41,"end":322.785,"sentiment":"neutral","sentiment_score":-0.027739939772907424},{"text":"Yeah.","start":323.085,"end":323.585,"sentiment":"neutral","sentiment_score":0.09859447181224824},{"text":"So that's that's very good.","start":324.045,"end":325.825,"sentiment":"positive","sentiment_score":0.4075720369815826},{"text":"Yeah.","start":328.685,"end":329.185,"sentiment":"neutral","sentiment_score":0.09439072012901306},{"text":"And, obviously, aside from your employer, you're not making additional contributions, Is that from your employer?","start":329.325,"end":336.43,"sentiment":"neutral","sentiment_score":0.03910979541251436}],"sentiment":"neutral","sentiment_score":0.05962557818274945,"num_words":40,"start":316.41,"end":336.43},{"sentences":[{"text":"Yep.","start":336.43,"end":336.93,"sentiment":"neutral","sentiment_score":0.058935798704624176},{"text":"Yep.","start":337.15,"end":337.47,"sentiment":"neutral","sentiment_score":0.1081847995519638},{"text":"Perfect.","start":337.47,"end":337.97,"sentiment":"neutral","sentiment_score":0.19232170283794403},{"text":"And do you know if they have a EBA or anything in 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ink?","start":411.125,"end":412.505,"sentiment":"neutral","sentiment_score":-0.07186100756128629},{"text":"Yeah.","start":412.80502,"end":413.30502,"sentiment":"neutral","sentiment_score":-0.02998032048344612}],"sentiment":"neutral","sentiment_score":-0.01784575508079595,"num_words":18,"start":403.25,"end":413.30502},{"sentences":[{"text":"Yeah.","start":414.005,"end":414.505,"sentiment":"neutral","sentiment_score":-0.02333136647939682},{"text":"Yep.","start":417.20502,"end":417.685,"sentiment":"neutral","sentiment_score":0.03146419674158096},{"text":"Okay.","start":417.685,"end":418.165,"sentiment":"neutral","sentiment_score":0.046340152621269226},{"text":"Perfect.","start":418.165,"end":418.665,"sentiment":"neutral","sentiment_score":0.17023926973342896},{"text":"But the business, is that in both of your names, or how is that set up?","start":420.27002,"end":424.77002,"sentiment":"neutral","sentiment_score":0.024577541393227875}],"sentiment":"neutral","sentiment_score":0.030897645745426416,"num_words":20,"start":414.005,"end":424.77002},{"sentences":[{"text":"The name?","start":426.19,"end":426.85,"sentiment":"neutral","sentiment_score":-0.0052907164208590984},{"text":"Yep.","start":427.55002,"end":428.03,"sentiment":"neutral","sentiment_score":-0.0006456390838138759},{"text":"No.","start":428.03,"end":428.51,"sentiment":"neutral","sentiment_score":-0.09895847737789154},{"text":"No.","start":428.51,"end":428.75,"sentiment":"neutral","sentiment_score":-0.06545040011405945},{"text":"Yep.","start":429.63,"end":430.03,"sentiment":"neutral","sentiment_score":0.02419404685497284}],"sentiment":"neutral","sentiment_score":-0.025240317093751703,"num_words":6,"start":426.19,"end":430.03},{"sentences":[{"text":"Perfect.","start":430.03,"end":430.53,"sentiment":"neutral","sentiment_score":0.12870723009109497},{"text":"Now do you still have the motor vehicle right at about fifteen thousand?","start":432.43,"end":441.925,"sentiment":"neutral","sentiment_score":0.0066244183824612545},{"text":"Okay.","start":447.945,"end":448.345,"sentiment":"neutral","sentiment_score":0.03693095967173576},{"text":"I'll update that.","start":448.345,"end":449.065,"sentiment":"neutral","sentiment_score":0.05216473154723644},{"text":"So what's the first one?","start":449.065,"end":455.18,"sentiment":"neutral","sentiment_score":-0.013932678347919137}],"sentiment":"neutral","sentiment_score":0.014721149201606117,"num_words":23,"start":430.03,"end":455.18}]}}]},{"alternatives":[{"transcript":"Hello? Yeah. Speaking. Good. Thanks. Yourself? Yeah. It should be five. I thought it was 04:00 my time, but, obviously, you're two hours ahead, aren't you? That's fine. Yeah. Yeah. That'll be fine. Yeah. Because I know you've been trying to do it for ages. I was just Okay. Yeah. No. Anthony Robert Flackett. 07/1984. 60660 North Beach Road, Guaya, F W A 6018. Nah. Nah. It's all good. Yep. Yeah. That's correct. Yep. Yep. Yeah. It's 0412 639 801. Which company have you got me down for that one? No. I've changed. So I work for Adaptalift, and I'm an area sales manager. April April the fourteenth last year to '20 '25. Yeah. That's good. Yep. Full time. Yep. Yes. I mean, I got a base, Carlowenson, and commission. Yeah. So my base is a $100 base, and then I get $2,020,000 car allowance. I just paid this, like, with my base. So it's, like, $1.20. And then I think I've yeah. So I think I only get payments for, like, the machines that do it. So, like, like, this the last financial year, I think I've finished on a 146 all up. Like, that's that's not just commission. That's, like, commission based on Collins. Yeah. Correct. Yeah. But I get super on top of that, though, as well. On top of my car allowance, I think. Yeah. I get I get super. Yeah. I'm pretty sure I do. Yeah. I noticed it the other day. I think I do anyway because I I I've noticed it's, like, $276 a week going in. And if I do my my base salary with the car allowance, it's, like, 200 2,307. So you add 12% on to that. It yeah. So it's pretty good, actually. Some companies don't do that. Yeah. They don't pay it. Yeah. Yeah. So not too bad. Yeah. It just took my employer. Yeah. A what? Sorry? Not that I'm aware of. Yep. No. We we sold that, like, two years ago. Should've kept it. Now we we sold it. I'm thinking, you know, the market might come down, but obviously not. So we yeah. Yeah. It's gone down a little bit. But, yeah, now we we we sold our house, and we put a bit of into the business as well. And then, yeah, we're just renting it at the moment. We got we got a business as well. So Not really. Yeah. I was for the first year, like, so before I started in this company, I took a year out to work on it. Yep. Yeah. It is in both of our names. Yeah. It's a partnership. I think that was the one that wasn't it? Nah. So I've got got two got some two vehicles with their different vehicles from where I last spoke to, I think. 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Yeah. Speaking. Good. Thanks.\n\nYourself? Yeah. It should be five. I thought it was 04:00 my time, but, obviously, you're two hours ahead, aren't you? That's fine.\n\nYeah. Yeah. That'll be fine. Yeah. Because I know you've been trying to do it for ages.\n\nI was just Okay. Yeah. No. Anthony Robert Flackett. 07/1984.\n\n60660 North Beach Road, Guaya, F W A 6018. Nah. Nah. It's all good. Yep.\n\nYeah. That's correct. Yep. Yep. Yeah.\n\nIt's 0412 639 801. Which company have you got me down for that one? No. I've changed. So I work for Adaptalift, and I'm an area sales manager.\n\nApril April the fourteenth last year to '20 '25. Yeah. That's good. Yep. Full time.\n\nYep. Yes. I mean, I got a base, Carlowenson, and commission. Yeah. So my base is a $100 base, and then I get $2,020,000 car allowance.\n\nI just paid this, like, with my base. So it's, like, $1.20. And then I think I've yeah. So I think I only get payments for, like, the machines that do it. So, like, like, this the last financial year, I think I've finished on a 146 all up.\n\nLike, that's that's not just commission. That's, like, commission based on Collins. Yeah. Correct. Yeah.\n\nBut I get super on top of that, though, as well. On top of my car allowance, I think. Yeah. I get I get super. Yeah.\n\nI'm pretty sure I do. Yeah. I noticed it the other day. I think I do anyway because I I I've noticed it's, like, $276 a week going in. And if I do my my base salary with the car allowance, it's, like, 200 2,307.\n\nSo you add 12% on to that. It yeah. So it's pretty good, actually. Some companies don't do that. Yeah.\n\nThey don't pay it. Yeah. Yeah. So not too bad. Yeah.\n\nIt just took my employer. Yeah. A what? Sorry? Not that I'm aware of.\n\nYep. No. We we sold that, like, two years ago. Should've kept it. Now we we sold it.\n\nI'm thinking, you know, the market might come down, but obviously not. So we yeah. Yeah. It's gone down a little bit. 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changed.","start":172.34999,"end":173.06999,"sentiment":"neutral","sentiment_score":-0.06768624484539032},{"text":"So I work for Adaptalift, and I'm an area sales manager.","start":173.06999,"end":181.435,"sentiment":"neutral","sentiment_score":0.018929549662226982}],"sentiment":"neutral","sentiment_score":-0.0011440437519922853,"num_words":28,"start":145.42,"end":181.435},{"sentences":[{"text":"April April the fourteenth last year to '20 '25.","start":188.61499,"end":197.47,"sentiment":"neutral","sentiment_score":0.0365404917134179},{"text":"Yeah.","start":197.47,"end":197.97,"sentiment":"neutral","sentiment_score":0.18406543135643005},{"text":"That's good.","start":198.03,"end":198.84999,"sentiment":"positive","sentiment_score":0.3882095217704773},{"text":"Yep.","start":203.79,"end":204.19,"sentiment":"neutral","sentiment_score":0.07181710004806519},{"text":"Full 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like, with my base.","start":229.17,"end":230.84999,"sentiment":"neutral","sentiment_score":0.05921203829348087},{"text":"So it's, like, $1.20.","start":230.84999,"end":232.23,"sentiment":"neutral","sentiment_score":0.04306656867265701},{"text":"And then I think I've yeah.","start":233.56999,"end":237.97499,"sentiment":"neutral","sentiment_score":0.009003876242786646},{"text":"So I think I only get payments for, like, the machines that do it.","start":237.97499,"end":241.815,"sentiment":"neutral","sentiment_score":0.012701988286737884},{"text":"So, like, like, this the last financial year, I think I've finished on a 146 all up.","start":241.815,"end":249.67499,"sentiment":"neutral","sentiment_score":0.046110762721475435}],"sentiment":"neutral","sentiment_score":0.03391217634233893,"num_words":49,"start":229.17,"end":249.67499},{"sentences":[{"text":"Like, that's that's not just commission.","start":250.055,"end":252.25,"sentiment":"neutral","sentiment_score":0.015254411225517591},{"text":"That's, like, commission based on Collins.","start":252.25,"end":254.82999,"sentiment":"neutral","sentiment_score":0.0190317261343201},{"text":"Yeah.","start":268.525,"end":268.92502,"sentiment":"neutral","sentiment_score":0.08131410926580429},{"text":"Correct.","start":268.92502,"end":269.325,"sentiment":"neutral","sentiment_score":0.12537124752998352},{"text":"Yeah.","start":269.325,"end":269.825,"sentiment":"neutral","sentiment_score":0.13657930493354797}],"sentiment":"neutral","sentiment_score":0.0365987657258908,"num_words":15,"start":250.055,"end":269.825},{"sentences":[{"text":"But I get super on top of that, though, as well.","start":271.005,"end":273.165,"sentiment":"positive","sentiment_score":0.3872017724947496},{"text":"On top of my car allowance, I think.","start":273.165,"end":274.945,"sentiment":"neutral","sentiment_score":0.14020378421992064},{"text":"Yeah.","start":279.44,"end":279.68002,"sentiment":"neutral","sentiment_score":0.07176439464092255},{"text":"I get I get super.","start":279.68002,"end":280.96002,"sentiment":"neutral","sentiment_score":0.1689830854535103},{"text":"Yeah.","start":280.96002,"end":281.28003,"sentiment":"neutral","sentiment_score":0.16055384278297424}],"sentiment":"neutral","sentiment_score":0.24838782445742533,"num_words":26,"start":271.005,"end":281.28003},{"sentences":[{"text":"I'm pretty sure I do.","start":281.28003,"end":282.42,"sentiment":"neutral","sentiment_score":0.22244327664375305},{"text":"Yeah.","start":284.40002,"end":284.80002,"sentiment":"neutral","sentiment_score":0.15619103610515594},{"text":"I noticed it the other day.","start":284.80002,"end":286.16,"sentiment":"neutral","sentiment_score":0.08714748173952103},{"text":"I think I do anyway because I I I've noticed it's, like, $276 a week going in.","start":286.16,"end":295.67502,"sentiment":"neutral","sentiment_score":0.07116295835551094},{"text":"And if I do my my base salary with the car allowance, it's, like, 200 2,307.","start":296.215,"end":304.135,"sentiment":"neutral","sentiment_score":0.06500125303864479}],"sentiment":"neutral","sentiment_score":0.08980183667606778,"num_words":45,"start":281.28003,"end":304.135},{"sentences":[{"text":"So you add 12% on to that.","start":304.135,"end":306.33,"sentiment":"neutral","sentiment_score":0.060820376234395165},{"text":"It yeah.","start":308.65,"end":310.16998,"sentiment":"neutral","sentiment_score":0.29237763583660126},{"text":"So it's pretty good, actually.","start":310.16998,"end":311.94998,"sentiment":"positive","sentiment_score":0.3631866991519928},{"text":"Some companies don't do that.","start":313.21,"end":314.90997,"sentiment":"neutral","sentiment_score":-0.031523474305868146},{"text":"Yeah.","start":320.63498,"end":321.13498,"sentiment":"neutral","sentiment_score":-0.02027527615427971}],"sentiment":"neutral","sentiment_score":0.1324269376695156,"num_words":20,"start":304.135,"end":321.13498},{"sentences":[{"text":"They don't pay it.","start":321.435,"end":322.655,"sentiment":"neutral","sentiment_score":-0.046080756932497025},{"text":"Yeah.","start":323.675,"end":324.175,"sentiment":"neutral","sentiment_score":0.16448655724525452},{"text":"Yeah.","start":326.715,"end":327.035,"sentiment":"neutral","sentiment_score":0.14971420168876648},{"text":"So not too bad.","start":327.035,"end":328.255,"sentiment":"neutral","sentiment_score":0.16667257249355316},{"text":"Yeah.","start":335.25,"end":335.56998,"sentiment":"neutral","sentiment_score":0.012468039989471436}],"sentiment":"neutral","sentiment_score":0.07354873283342882,"num_words":11,"start":321.435,"end":335.56998},{"sentences":[{"text":"It just took my employer.","start":335.56998,"end":336.71,"sentiment":"neutral","sentiment_score":0.008661170676350593},{"text":"Yeah.","start":342.77,"end":343.00998,"sentiment":"neutral","sentiment_score":0.009220078587532043},{"text":"A what?","start":343.00998,"end":343.33,"sentiment":"neutral","sentiment_score":0.00046787620522081836},{"text":"Sorry?","start":343.33,"end":343.83,"sentiment":"neutral","sentiment_score":-0.028992420062422752},{"text":"Not that I'm aware of.","start":348.525,"end":350.065,"sentiment":"neutral","sentiment_score":-0.0921200916171074}],"sentiment":"neutral","sentiment_score":-0.03115222812630236,"num_words":14,"start":335.56998,"end":350.065},{"sentences":[{"text":"Yep.","start":355.165,"end":355.665,"sentiment":"neutral","sentiment_score":0.26968809962272644},{"text":"No.","start":367.43,"end":367.75,"sentiment":"neutral","sentiment_score":-0.1407623142004013},{"text":"We we sold that, like, two years ago.","start":367.75,"end":370.41,"sentiment":"neutral","sentiment_score":-0.13512268755584955},{"text":"Should've kept it.","start":372.71,"end":373.77,"sentiment":"neutral","sentiment_score":-0.03636608521143595},{"text":"Now we we sold it.","start":375.595,"end":377.135,"sentiment":"neutral","sentiment_score":-0.09695378243923188}],"sentiment":"neutral","sentiment_score":-0.08588460460305214,"num_words":18,"start":355.165,"end":377.135},{"sentences":[{"text":"I'm thinking, you know, the market might come down, but obviously not.","start":377.51498,"end":382.255,"sentiment":"neutral","sentiment_score":-0.19990695267915726},{"text":"So we yeah.","start":383.035,"end":388.79498,"sentiment":"neutral","sentiment_score":-0.08139581481615703},{"text":"Yeah.","start":388.79498,"end":389.035,"sentiment":"neutral","sentiment_score":-0.06263266503810883},{"text":"It's gone down a little bit.","start":389.035,"end":390.54,"sentiment":"neutral","sentiment_score":-0.15676416953404745},{"text":"But, yeah, now we we we sold our house, and we put a bit of into the business as well.","start":390.7,"end":395.84,"sentiment":"neutral","sentiment_score":0.021871367935091257}],"sentiment":"neutral","sentiment_score":-0.07640145714616492,"num_words":42,"start":377.51498,"end":395.84},{"sentences":[{"text":"And then, yeah, we're just renting it at the moment.","start":397.98,"end":400.08002,"sentiment":"neutral","sentiment_score":0.23143879547715188},{"text":"We got we got a business as well.","start":400.54,"end":402.22,"sentiment":"neutral","sentiment_score":0.1634136401116848},{"text":"So Not really.","start":402.22,"end":409.455,"sentiment":"neutral","sentiment_score":-0.02436040838559468},{"text":"Yeah.","start":410.955,"end":411.35498,"sentiment":"neutral","sentiment_score":-0.03758784383535385},{"text":"I was for the first year, like, so before I started in this company, I took a year out to work on it.","start":411.35498,"end":416.975,"sentiment":"neutral","sentiment_score":-0.029159781968464023}],"sentiment":"neutral","sentiment_score":0.06311895603107082,"num_words":45,"start":397.98,"end":416.975},{"sentences":[{"text":"Yep.","start":418.155,"end":418.53,"sentiment":"neutral","sentiment_score":0.07494552433490753},{"text":"Yeah.","start":425.41,"end":425.73,"sentiment":"neutral","sentiment_score":0.007755224127322435},{"text":"It is in both of our names.","start":425.73,"end":427.11,"sentiment":"neutral","sentiment_score":-0.0021057545340486938},{"text":"Yeah.","start":427.57,"end":427.81,"sentiment":"neutral","sentiment_score":-0.0187373049557209},{"text":"It's a partnership.","start":427.81,"end":428.63,"sentiment":"neutral","sentiment_score":-0.08055005967617035}],"sentiment":"neutral","sentiment_score":-0.014802078250795603,"num_words":13,"start":418.155,"end":428.63},{"sentences":[{"text":"I think that was the one that wasn't it?","start":438.16498,"end":440.245,"sentiment":"neutral","sentiment_score":-0.02004407863650057},{"text":"Nah.","start":440.245,"end":440.485,"sentiment":"neutral","sentiment_score":-0.042556799948215485},{"text":"So I've got got two got some two vehicles with their different vehicles from where I last spoke to, I think.","start":440.485,"end":447.45,"sentiment":"neutral","sentiment_score":0.025423044427519755},{"text":"The first one's a g.","start":451.37003,"end":453.15002,"sentiment":"neutral","sentiment_score":0.00167815200984478}],"sentiment":"neutral","sentiment_score":0.008870032926400503,"num_words":36,"start":438.16498,"end":453.15002}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Good afternoon.\n\nChannel 1: Hello?\n\nChannel 0: This is Anthony.\n\nChannel 1: Yeah. Speaking.\n\nChannel 0: This is Veronica from ICU Financial. How are you?\n\nChannel 1: Good. Thanks. Yourself?\n\nChannel 0: Good. Thanks. I had you booked in to go over your annual review. Is now still a good time for you?\n\nChannel 1: Yeah. It should be five. I thought it was 04:00 my time, but, obviously, you're two hours ahead, aren't you?\n\nChannel 0: Yeah. Apologies.\n\nChannel 1: That's fine.\n\nChannel 0: It was booked in 04:00 Queensland time for me. Do you have maybe, like, twenty minutes or so?\n\nChannel 1: Yeah. Yeah. That'll be fine. Yeah. Because I know you've been\n\nChannel 0: Yeah.\n\nChannel 1: trying to do it for ages. I\n\nChannel 0: Okay.\n\nChannel 1: was just\n\nChannel 0: I'll\n\nChannel 1: Okay.\n\nChannel 0: I'll tryna make it I'll tryna make it quick for you, and apologies for the mix up in time. Now I will try and make it quick, like I said, Anthony. But 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. No.\n\nChannel 0: Perfect. And just for security purposes, just so that I can confirm I'm speaking with the right person, could I please get you to confirm your full name, date of birth, and address,\n\nChannel 1: Anthony Robert Flackett. 07/1984. 60660 North Beach Road, Guaya, F W A 6018.\n\nChannel 0: please? Perfect. That's exactly what I have here. Now before I do jump into it, I do like to start by asking if there is anything specific you are hoping to get out of the review today or any particular questions you might have or whether it's just a bit of an update and see kind of where we think\n\nChannel 1: Nah.\n\nChannel 0: that.\n\nChannel 1: Nah. It's all good.\n\nChannel 0: No? Okay. Perfect. Now what I will do first, Anthony, is just to run through just a quick fact find with you just to see if there is anything major that has changed in your life if we do need to make any changes to your advice. So just bear with me as I go through this.\n\nChannel 1: Yep.\n\nChannel 0: Now personal information, I have you down here as married with true financial dependents. Is that correct?\n\nChannel 1: Yeah. That's correct. Yep.\n\nChannel 0: Yep. Perfect. And next up, Kin, in the event that something were to happen to you, I have Stacy nominated. That's also correct?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. I don't actually have a phone number for her, though. Would you be able to provide that for me?\n\nChannel 1: Yeah. It's 0412\n\nChannel 0: One two. Yep.\n\nChannel 1: 639\n\nChannel 0: Three nine. Yep.\n\nChannel 1: 801.\n\nChannel 0: 801. Great. Thank you so much. Now employment wise, has any of that changed, or are you still working as a sales manager?\n\nChannel 1: Which company have you got me down for that one?\n\nChannel 0: Property Services?\n\nChannel 1: No. I've changed. So\n\nChannel 0: Okay.\n\nChannel 1: I work for Adaptalift, and I'm an area sales manager.\n\nChannel 0: Yeah. Perfect. And when did you start there?\n\nChannel 1: April April the fourteenth last year to '20\n\nChannel 0: Yep. And enjoying it so far?\n\nChannel 1: '25. Yeah. That's good.\n\nChannel 0: Yes. That's good. Working full time as well with them?\n\nChannel 1: Yep. Full time. Yep.\n\nChannel 0: Yes. Great. Now income wise, did that change for you?\n\nChannel 1: Yes. I mean, I got a base, Carlowenson, and commission.\n\nChannel 0: Okay. What's your base rate yearly, if you know?\n\nChannel 1: Yeah. So my base is a $100 base, and then I\n\nChannel 0: Yep.\n\nChannel 1: get $2,020,000 car allowance. I just paid this, like, with my base. So it's, like, $1.20.\n\nChannel 0: Okay.\n\nChannel 1: And then\n\nChannel 0: And I\n\nChannel 1: I\n\nChannel 0: do\n\nChannel 1: think\n\nChannel 0: say you\n\nChannel 1: I've\n\nChannel 0: get commissions sometimes?\n\nChannel 1: yeah. So I think I only get payments for, like, the machines that do it. So, like, like, this the last financial year, I think I've finished on a 146 all up. Like, that's that's not just commission. That's, like, commission based on\n\nChannel 0: Six.\n\nChannel 1: Collins.\n\nChannel 0: Okay. Perfect. And then it would so it would be about a 126 that you got paid and then, obviously, the 20,000 for the car allowance. Is that correct?\n\nChannel 1: Yeah. Correct. Yeah.\n\nChannel 0: Yep. Okay. Perfect.\n\nChannel 1: But I get super on top of that, though, as well. On top of my car allowance, I think.\n\nChannel 0: Oh, okay. Beautiful. So on the full $1.46, you get\n\nChannel 1: Yeah.\n\nChannel 0: super\n\nChannel 1: I get\n\nChannel 0: contributions?\n\nChannel 1: I get super. Yeah. I'm pretty sure\n\nChannel 0: Oh,\n\nChannel 1: I\n\nChannel 0: that's\n\nChannel 1: do.\n\nChannel 0: that's really good. Okay. Perfect.\n\nChannel 1: Yeah. I noticed it the other day. I think I do anyway because I I I've noticed it's, like, $276 a week going in. And if I do my my base salary with the car\n\nChannel 0: Yep.\n\nChannel 1: allowance, it's, like, 200 2,307. So you add 12% on to that.\n\nChannel 0: Yeah. It's oh, yeah. That's really\n\nChannel 1: It\n\nChannel 0: good.\n\nChannel 1: yeah. So it's pretty good, actually.\n\nChannel 0: Yeah.\n\nChannel 1: Some companies\n\nChannel 0: Perfect.\n\nChannel 1: don't do that.\n\nChannel 0: No. Not at all. And even sometimes it's, like, even commissions can be, like,\n\nChannel 1: Yeah.\n\nChannel 0: depending how they\n\nChannel 1: They\n\nChannel 0: calculate\n\nChannel 1: don't pay\n\nChannel 0: it and\n\nChannel 1: it.\n\nChannel 0: stuff. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: So that's that's very good.\n\nChannel 1: Yeah. So not too bad.\n\nChannel 0: Yeah. And, obviously, aside from your employer, you're not making additional contributions, Is that from your\n\nChannel 1: Yeah. It just took\n\nChannel 0: employer?\n\nChannel 1: my employer.\n\nChannel 0: Yep. Yep. Perfect. And do you know if they have a EBA or anything in place?\n\nChannel 1: Yeah. A what? Sorry?\n\nChannel 0: Enterprise Bargain Agreement?\n\nChannel 1: Not that I'm aware of.\n\nChannel 0: No. Often, they will let you know if if if there is one in place.\n\nChannel 1: Yep.\n\nChannel 0: All good. Now asset wise, I do wanna confirm what I have here is correct. So I have here last time we spoke, your property was valued at about $5.80. Do you still have that property?\n\nChannel 1: No. We we sold\n\nChannel 0: No?\n\nChannel 1: that, like, two years ago.\n\nChannel 0: Oh, per did you buy something\n\nChannel 1: Should've\n\nChannel 0: new,\n\nChannel 1: kept\n\nChannel 0: or are\n\nChannel 1: it.\n\nChannel 0: you guys renting?\n\nChannel 1: Now we we sold it. I'm thinking, you know, the market might come down, but obviously not. So we\n\nChannel 0: Right now, a little bit, but, obviously, not from the time frame. It had gone up a lot too.\n\nChannel 1: yeah. Yeah. It's gone down a little bit. But, yeah, now\n\nChannel 0: Yes.\n\nChannel 1: we we we sold our house, and we put a bit of into the business as well.\n\nChannel 0: Yes.\n\nChannel 1: And then, yeah,\n\nChannel 0: Perfect.\n\nChannel 1: we're just renting it at the moment. We got\n\nChannel 0: Yep.\n\nChannel 1: we got a business as well. So\n\nChannel 0: Yeah. And do you work on the business as well?\n\nChannel 1: Not really.\n\nChannel 0: No? Okay.\n\nChannel 1: Yeah.\n\nChannel 0: So you\n\nChannel 1: I\n\nChannel 0: don't\n\nChannel 1: was\n\nChannel 0: have any ink?\n\nChannel 1: for the first year,\n\nChannel 0: Yeah.\n\nChannel 1: like, so before I started\n\nChannel 0: Yeah.\n\nChannel 1: in this company, I took a year out to work on it.\n\nChannel 0: Yep. Okay.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. But the business, is that in both of your names, or how is that set up?\n\nChannel 1: Yeah. It is in both\n\nChannel 0: The\n\nChannel 1: of\n\nChannel 0: name?\n\nChannel 1: our names.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. It's\n\nChannel 0: No.\n\nChannel 1: a partnership.\n\nChannel 0: No. Yep. Perfect. Now do you still have the motor vehicle right at about fifteen\n\nChannel 1: I think that was the one that wasn't it? Nah. So I've got\n\nChannel 0: thousand?\n\nChannel 1: got two got some two vehicles with their different vehicles from where I last spoke to, I think.\n\nChannel 0: Okay. I'll update that. So what's the first\n\nChannel 1: The first one's a g.\n\nChannel 0: one?","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":5.52,"end":6.16,"sentiment":"neutral","sentiment_score":0.31641317903995514}],"sentiment":"neutral","sentiment_score":0.31641317903995514,"channel":0,"num_words":2,"start":5.52,"end":6.16},{"sentences":[{"text":"Hello?","start":6.0,"end":6.5,"sentiment":"neutral","sentiment_score":0.16094720363616943}],"sentiment":"neutral","sentiment_score":0.16094720363616943,"channel":1,"num_words":1,"start":6.0,"end":6.5},{"sentences":[{"text":"This is Anthony.","start":6.16,"end":6.98,"sentiment":"neutral","sentiment_score":0.13614435493946075}],"sentiment":"neutral","sentiment_score":0.13614435493946075,"channel":0,"num_words":3,"start":6.16,"end":6.98},{"sentences":[{"text":"Yeah.","start":7.7599998,"end":8.0,"sentiment":"neutral","sentiment_score":0.10754697024822236},{"text":"Speaking.","start":8.0,"end":8.5,"sentiment":"neutral","sentiment_score":0.11573675274848938}],"sentiment":"neutral","sentiment_score":0.11164186149835587,"channel":1,"num_words":2,"start":7.7599998,"end":8.5},{"sentences":[{"text":"This is Veronica from ICU Financial.","start":9.12,"end":11.38,"sentiment":"neutral","sentiment_score":0.20549515138069788},{"text":"How are you?","start":11.44,"end":12.259999,"sentiment":"neutral","sentiment_score":0.22429137925306955}],"sentiment":"neutral","sentiment_score":0.21176056067148843,"channel":0,"num_words":9,"start":9.12,"end":12.259999},{"sentences":[{"text":"Good.","start":13.415,"end":13.495,"sentiment":"positive","sentiment_score":0.61186283826828},{"text":"Thanks.","start":13.495,"end":13.815,"sentiment":"positive","sentiment_score":0.6560988426208496},{"text":"Yourself?","start":13.815,"end":14.315,"sentiment":"positive","sentiment_score":0.39358800649642944}],"sentiment":"positive","sentiment_score":0.5538498957951864,"channel":1,"num_words":3,"start":13.415,"end":14.315},{"sentences":[{"text":"Good.","start":14.96,"end":15.28,"sentiment":"positive","sentiment_score":0.5694785118103027},{"text":"Thanks.","start":15.28,"end":15.78,"sentiment":"positive","sentiment_score":0.6001262068748474},{"text":"I had you booked in to go over your annual review.","start":16.535,"end":19.095001,"sentiment":"positive","sentiment_score":0.3463094491850246},{"text":"Is now still a good time for you?","start":19.095001,"end":20.715,"sentiment":"neutral","sentiment_score":0.27801297418773174}],"sentiment":"positive","sentiment_score":0.3430053549153464,"channel":0,"num_words":21,"start":14.96,"end":20.715},{"sentences":[{"text":"Yeah.","start":21.414999,"end":21.735,"sentiment":"neutral","sentiment_score":0.05735097825527191},{"text":"It should be five.","start":21.735,"end":22.535,"sentiment":"neutral","sentiment_score":0.03532882779836655},{"text":"I thought it was 04:00 my time, but, obviously, you're two hours ahead, aren't you?","start":22.535,"end":27.06,"sentiment":"neutral","sentiment_score":-0.040839204813043276}],"sentiment":"neutral","sentiment_score":-0.020696089137345552,"channel":1,"num_words":20,"start":21.414999,"end":27.06},{"sentences":[{"text":"Yeah.","start":27.895,"end":28.395,"sentiment":"neutral","sentiment_score":-0.031661611050367355},{"text":"Apologies.","start":29.494999,"end":29.994999,"sentiment":"neutral","sentiment_score":-0.12166446447372437}],"sentiment":"neutral","sentiment_score":-0.07666303776204586,"channel":0,"num_words":2,"start":27.895,"end":29.994999},{"sentences":[{"text":"That's fine.","start":29.859999,"end":30.599998,"sentiment":"neutral","sentiment_score":-0.0020465776324272156}],"sentiment":"neutral","sentiment_score":-0.0020465776324272156,"channel":1,"num_words":2,"start":29.859999,"end":30.599998},{"sentences":[{"text":"It was booked in 04:00 Queensland time for 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I can confirm I'm speaking with the right person, could I please get you to confirm your full name, date of birth, and address,","start":65.1,"end":73.36,"sentiment":"neutral","sentiment_score":0.08256534126121551}],"sentiment":"neutral","sentiment_score":0.08486162363128229,"channel":0,"num_words":33,"start":64.46,"end":73.36},{"sentences":[{"text":"Anthony Robert Flackett.","start":74.935,"end":76.715,"sentiment":"neutral","sentiment_score":0.07298565655946732},{"text":"07/1984.","start":76.935,"end":79.115,"sentiment":"neutral","sentiment_score":0.02433685213327408},{"text":"60660 North Beach Road, Guaya, F W A 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Veronica confirms Anthony's personal information and asks if there is anything specific he wants to cover. Veronica then goes through a fact find with Anthony and confirms his personal information and employment details. She then goes through his income and income details, and confirms that he is renting a business and has two vehicles."},"intents":{"segments":[{"text":"I had you booked in to go over your annual review. Is now still a good time for you? Yeah. It should be five. I thought it was 04:00 my time, but, obviously, you're two hours ahead, aren't you? Yeah.","start_word":22,"end_word":61,"intents":[{"intent":"Confirm booking","confidence_score":0.027207801}]},{"text":"And then it would so it would be about a 126 that you got paid and then, obviously, the 20,000 for the car allowance. Is that correct? 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Hello? This is Anthony. Yeah. Speaking. This is Veronica from ICU Financial. How are you?","start_word":0,"end_word":16,"sentiment":"neutral","sentiment_score":0.19137468934059143},{"text":"Good. Thanks. Yourself? Good. Thanks. I had you booked in to go over your annual review.","start_word":17,"end_word":32,"sentiment":"positive","sentiment_score":0.4431997537612915},{"text":"Is now still a good time for you? Yeah. It should be five. I thought it was 04:00 my time, but, obviously, you're two hours ahead, aren't you? Yeah. Apologies. That's fine. It was booked in 04:00 Queensland time for me. Do you have maybe, like, twenty minutes or so? Yeah. Yeah. That'll be fine. Yeah. Because I know you've been Yeah. trying to do it for ages. I Okay. was just I'll Okay. I'll tryna make it I'll tryna make it quick for you, and apologies for the mix up in time. Now I will try and make it quick, like I said, Anthony. But 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. No. Perfect. And just for security purposes, just so that I can confirm I'm speaking with the right person, could I please get you to confirm your full name, date of birth, and address, Anthony Robert Flackett. 07/1984. 60660 North Beach Road, Guaya, F W A 6018. please?","start_word":33,"end_word":214,"sentiment":"neutral","sentiment_score":0.02326330728828907},{"text":"Perfect. That's exactly what I have here.","start_word":215,"end_word":221,"sentiment":"positive","sentiment_score":0.5359285473823547},{"text":"Now before I do jump into it, I do like to start by asking if there is anything specific you are hoping to get out of the review today or any particular questions you might have or whether it's just a bit of an update and see kind of where we think Nah. that. Nah. It's all good. No? Okay. Perfect. Now what I will do first, Anthony, is just to run through just a quick fact find with you just to see if there is anything major that has changed in your life if we do need to make any changes to your advice. So just bear with me as I go through this. Yep. Now personal information, I have you down here as married with true financial dependents. Is that correct? Yeah. That's correct. Yep. Yep.","start_word":222,"end_word":359,"sentiment":"neutral","sentiment_score":0.04854012278003105},{"text":"Perfect.","start_word":360,"end_word":360,"sentiment":"positive","sentiment_score":0.39383190870285034},{"text":"And next up, Kin, in the event that something were to happen to you, I have Stacy nominated. That's also correct? Yep. Yep. Perfect. I don't actually have a phone number for her, though. Would you be able to provide that for me? Yeah. It's 0412 One two. Yep. 639 Three nine. Yep. 801. 801. Great.","start_word":361,"end_word":416,"sentiment":"neutral","sentiment_score":0.05933215841650963},{"text":"Thank you so much.","start_word":417,"end_word":420,"sentiment":"positive","sentiment_score":0.5880500078201294},{"text":"Now employment wise, has any of that changed, or are you still working as a sales manager? Which company have you got me down for that one? Property Services? No. I've changed. So Okay. I work for Adaptalift, and I'm an area sales manager. Yeah. Perfect. And when did you start there? April April the fourteenth last year to '20 Yep. And enjoying it so far? '25. 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So, like, like, this the last financial year, I think I've finished on a 146 all up. Like, that's that's not just commission. That's, like, commission based on Six. Collins. Okay.","start_word":494,"end_word":621,"sentiment":"neutral","sentiment_score":0.05058475640544202},{"text":"Perfect.","start_word":622,"end_word":622,"sentiment":"positive","sentiment_score":0.43726393580436707},{"text":"And then it would so it would be about a 126 that you got paid and then, obviously, the 20,000 for the car allowance. Is that correct? Yeah. Correct. Yeah. Yep. Okay.","start_word":623,"end_word":654,"sentiment":"neutral","sentiment_score":0.15409475564956665},{"text":"Perfect. But I get super on top of that, though, as well.","start_word":655,"end_word":666,"sentiment":"positive","sentiment_score":0.4037695825099945},{"text":"On top of my car allowance, I think. Oh, okay.","start_word":667,"end_word":676,"sentiment":"neutral","sentiment_score":0.17107833921909332},{"text":"Beautiful.","start_word":677,"end_word":677,"sentiment":"positive","sentiment_score":0.4235085248947144},{"text":"So on the full $1.46, you get Yeah. super I get contributions? I get super. Yeah. I'm pretty sure Oh, I that's do.","start_word":678,"end_word":700,"sentiment":"neutral","sentiment_score":0.1989784836769104},{"text":"that's really good.","start_word":701,"end_word":703,"sentiment":"positive","sentiment_score":0.620909571647644},{"text":"Okay.","start_word":704,"end_word":704,"sentiment":"neutral","sentiment_score":0.2951481342315674},{"text":"Perfect.","start_word":705,"end_word":705,"sentiment":"positive","sentiment_score":0.3635497093200683},{"text":"Yeah. I noticed it the other day. I think I do anyway because I I I've noticed it's, like, $276 a week going in. And if I do my my base salary with the car Yep. allowance, it's, like, 200 2,307. So you add 12% on to that. Yeah. It's oh, yeah. That's really It good. yeah.","start_word":706,"end_word":762,"sentiment":"neutral","sentiment_score":0.10103821009397508},{"text":"So it's pretty good, actually.","start_word":763,"end_word":767,"sentiment":"positive","sentiment_score":0.36361801624298096},{"text":"Yeah. Some companies Perfect. don't do that. No. Not at all. And even sometimes it's, like, even commissions can be, like, Yeah. depending how they They calculate don't pay it and it. stuff. Yeah. Yeah.","start_word":768,"end_word":802,"sentiment":"neutral","sentiment_score":-0.018992451950907707},{"text":"So that's that's very good.","start_word":803,"end_word":807,"sentiment":"positive","sentiment_score":0.41578608751297},{"text":"Yeah. So not too bad. Yeah. And, obviously, aside from your employer, you're not making additional contributions, Is that from your Yeah. It just took employer? my employer. Yep. Yep. Perfect. And do you know if they have a EBA or anything in place? Yeah. A what? Sorry? Enterprise Bargain Agreement? Not that I'm aware of. No. Often, they will let you know if if if there is one in place. Yep.","start_word":808,"end_word":879,"sentiment":"neutral","sentiment_score":0.024667774288294215},{"text":"All good.","start_word":880,"end_word":881,"sentiment":"positive","sentiment_score":0.4985106587409973},{"text":"Now asset wise, I do wanna confirm what I have here is correct. So I have here last time we spoke, your property was valued at about $5.80. Do you still have that property? No. We we sold No? that, like, two years ago. Oh, per did you buy something Should've new, kept or are it. you guys renting? Now we we sold it. I'm thinking, you know, the market might come down, but obviously not. So we Right now, a little bit, but, obviously, not from the time frame. It had gone up a lot too. yeah. Yeah. It's gone down a little bit. But, yeah, now Yes. we we we sold our house, and we put a bit of into the business as well. Yes. And then, yeah, Perfect. we're just renting it at the moment. We got Yep. we got a business as well. So Yeah. And do you work on the business as well? Not really. No? Okay. Yeah. So you I don't was have any ink? for the first year, Yeah. like, so before I started Yeah. in this company, I took a year out to work on it. Yep. Okay. Yep. Perfect. But the business, is that in both of your names, or how is that set up? Yeah. It is in both The of name? our names. Yep. Yeah. It's No. a partnership. No. Yep. Perfect. Now do you still have the motor vehicle right at about fifteen I think that was the one that wasn't it? Nah. So I've got thousand? got two got some two vehicles with their different vehicles from where I last spoke to, I think. Okay. I'll update that. 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