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I've got a bit of good news for you today. I was just wanting to touch base on those insurance quotes and a couple other things that I picked up, if that's alright. Cool. Before I jump into it, quick adviser one two 73105. Are you okay for the call to be recorded? Beautiful. And just for the security of your info, can I please get your date of birth and address that we would have on file? Fantastic. Thank you so much for that. Mate, I'll just quickly start off with the the insurance side of things for you. So we went through, did some pre assessing with the insurer and a few others as well, found some pretty cheap ones for you, which turned out pretty good. As a bit of a a kind of recap, so we were trying to essentially top up, like, your life insurance up to around 400,000, 600,000 if we could. Cool. Given... Bearing in mind that sort of $40.50 that you've already got, we got some quotes for an additional $3.50 k as a pop up. Now with I, double o, f, they were looking at possibly an extra $800 a year for the extra life insurance. I did find a couple of of providers that would offer it for about $5,600 instead. So top off a good kind of 25% there. Now the weird thing with I, double o, f is I had a breakdown of the policies that they've got mixed up here because they've got two life insurance, two disability insurances. Normally, what we do, when you see two, one of them is like a default and one of them is like a top up that you can kind of increase and change. But what they said was that the second policy that you've got is actually like an old Bendigo group policy that I'm not sure if you ever were part of, like, Bendigo group or anything like that in a previous employer. Beautiful. So that explains it. What I'm thinking is just in terms of the pre assessments that we did, you went through the health info with Caden and the team. So what we're looking at here, I went through knee surgery, tendon surgery, double hernia surgery, back strain, and that kind of creeping blood pressure. We ran all that by them. It all looked pretty well fine for life insurance. The only question they had was in terms of the blood pressure getting up there, if we could obtain a, like, a recent reading. I don't know if you... One... Just wondering if you've been to the doctor, say, sometime this year that you would have a reading floating around or if we could get one. It might be possible to go from the machine. I'll run it by them. So when it comes to applications, what they normally do is we fill in all the health details, and they may send off the, like, a doctor's report. And so what I'm wondering is we can either try and get the information beforehand and call them and say, hey. This is what we're looking at, or I can put the plan together, and then we can shoot off an application, and then they can they can request it from the doctors and see how it goes that way. Do you have a preference? Maybe we get it from the machine. I'll run that by them as well. Cool. The other thing I wanted to run by you, just when we're putting together the statement of advice with the quotes and recommendations and everything, I wanted to possibly just touch on the superannuation in there as well just given... There's obviously a few things that have been happening this year with the war in Iran and the interest rates going up. I just wanted to see if you were comfortable for me to kind of review the portfolio, maybe switch a few investments around to get the return and things kind of a bit better off for you. Cool. That way I can kind of put it all into one plan, and that way it's all in writing for you. Cool. I'll just quickly ask you in terms of the risk level that you've got. You're in pretty well high growth. We're trying to get high long term returns as much as we can, 90% of your money in shares, property, and gold. While we're building up the super, are you okay to still kind of maintain that approach for the time being? So I guess my my double check would be time frame wise because I think we've got you listed to retire around '65, about thirteen years away. You need at least nine or ten years to be high growth. If the market crashes, you still need time to be able to get the returns that you need to get the retirement off. I would basically be looking at, in three or four years' time, gradually reducing your risk level down as you get close to that 60. That sound alright? Cool. And just in terms of the investment, like, we we can pretty much pick from... Oh, jeez. Hub's got 1,300 options there. That follow the market a bit closer and just drop the investment fees down a little bit, a bit different than what you've currently got. Got. Cool. Easy. And speaking of a dollar as well, we... I think I may have mentioned to you in the last call, may not have, but we've updated our fee structure for. We've basically brought out some discounts for clients above 200,000, where instead of that 1.65%, it drops to 1.37, and it kind of stays like a a flat fee for the year. You're getting close to $400, so I just wanted to offer you that kind of new new structure in the same document as well. Cool. And then when you get above 500,000, it drops again. Cool. So, basically, what I wanna do is I'll put together the statement of advice with the quote to the other insurer, the new portfolio, the new fee structure, and then that's an up to date plan for you. So outside of that, is there anything else you want me to factor into that advice document? Cool. So we still got all the same goals in terms of just paying down the mortgage and everything, growing the super, better travel, reduce the debt, sort out the insurances. We've got... I believe you do have a will in place, and your beneficiary is still in line with your partner. Cool. Do you recall if you put in place a power of attorney when you did the will? So I'll I'll put that in there as a reminder. That's just for, like, if you're in hospital, someone can act on your behalf, you know, talk to doctors access the bank accounts. But other than that, I think we've got a pretty good direction. And I've got everything else updated from you in terms of the properties, the occupations, and everything, so we should be okay. Cool. Alrighty. I should be able to put that together in a little bit less than a week. Do you want me to try and book you in for that presentation for late next week now or maybe the week after? What would be your preference? That's okay? Just because we got daylight savings, I've gotta double check. Yeah. I've got some some time, like, Thursday around kind of yeah. Yeah. I've got Friday. Now just bear in mind, Friday, we do, like, early in the morning. So... Which pushes up a little bit because you'll be daylight savings. So what I've got for Friday is 10AM, 1PM, or 2PM. Yep. 1PM. And that's Friday the ninth. Easy done. I'll put in a bit of a reminder in the system. I'm just gonna double check-in there just because next week's when it all switches to balance savings. So I got 1PM, big time, lunchtime, Queensland. And then, basically, it's just a matter of if you're happy with the plan, you sign up on that and the quote, and then we just go through a bit of an application with you for that life insurance. Cool. Again, we're not really touching anything with the CPD income protection. Just leave all those as it is, and we're not trying to get any trauma insurance. Beautiful. Mate, thank you very much for your time today. That gives me everything that I need, and I will have all of that ready for you for next Friday. Awesome, mate. Anything else I can do before I let you go? You're a legend, Nathan. Have a fantastic weekend, and I'll talk to you next week. 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afternoon, Nathan. It's Tommy here, senior adviser from. How are you doing? Yeah. I'm doing fantastic.\n\nIt's a bright sunny day. What about your end? Oh, no. No. Good.\n\nNo. Good. I've got a bit of good news for you today. I was just wanting to touch base on those insurance quotes and a couple other things that I picked up, if that's alright. Cool.\n\nBefore I jump into it, quick adviser one two 73105. Are you okay for the call to be recorded? Beautiful. And just for the security of your info, can I please get your date of birth and address that we would have on file? Fantastic.\n\nThank you so much for that. Mate, I'll just quickly start off with the the insurance side of things for you. So we went through, did some pre assessing with the insurer and a few others as well, found some pretty cheap ones for you, which turned out pretty good. As a bit of a a kind of recap, so we were trying to essentially top up, like, your life insurance up to around 400,000, 600,000 if we could. Cool.\n\nGiven... Bearing in mind that sort of $40.50 that you've already got, we got some quotes for an additional $3.50 k as a pop up. Now with I, double o, f, they were looking at possibly an extra $800 a year for the extra life insurance. I did find a couple of of providers that would offer it for about $5,600 instead. So top off a good kind of 25% there.\n\nNow the weird thing with I, double o, f is I had a breakdown of the policies that they've got mixed up here because they've got two life insurance, two disability insurances. Normally, what we do, when you see two, one of them is like a default and one of them is like a top up that you can kind of increase and change. But what they said was that the second policy that you've got is actually like an old Bendigo group policy that I'm not sure if you ever were part of, like, Bendigo group or anything like that in a previous employer. Beautiful. So that explains it.\n\nWhat I'm thinking is just in terms of the pre assessments that we did, you went through the health info with Caden and the team. So what we're looking at here, I went through knee surgery, tendon surgery, double hernia surgery, back strain, and that kind of creeping blood pressure. We ran all that by them. It all looked pretty well fine for life insurance. The only question they had was in terms of the blood pressure getting up there, if we could obtain a, like, a recent reading.\n\nI don't know if you... One... Just wondering if you've been to the doctor, say, sometime this year that you would have a reading floating around or if we could get one. It might be possible to go from the machine. I'll run it by them.\n\nSo when it comes to applications, what they normally do is we fill in all the health details, and they may send off the, like, a doctor's report. And so what I'm wondering is we can either try and get the information beforehand and call them and say, hey. This is what we're looking at, or I can put the plan together, and then we can shoot off an application, and then they can they can request it from the doctors and see how it goes that way. Do you have a preference? Maybe we get it from the machine.\n\nI'll run that by them as well. Cool. The other thing I wanted to run by you, just when we're putting together the statement of advice with the quotes and recommendations and everything, I wanted to possibly just touch on the superannuation in there as well just given... There's obviously a few things that have been happening this year with the war in Iran and the interest rates going up. I just wanted to see if you were comfortable for me to kind of review the portfolio, maybe switch a few investments around to get the return and things kind of a bit better off for you.\n\nCool. That way I can kind of put it all into one plan, and that way it's all in writing for you. Cool. I'll just quickly ask you in terms of the risk level that you've got. You're in pretty well high growth.\n\nWe're trying to get high long term returns as much as we can, 90% of your money in shares, property, and gold. While we're building up the super, are you okay to still kind of maintain that approach for the time being? So I guess my my double check would be time frame wise because I think we've got you listed to retire around '65, about thirteen years away. You need at least nine or ten years to be high growth. If the market crashes, you still need time to be able to get the returns that you need to get the retirement off.\n\nI would basically be looking at, in three or four years' time, gradually reducing your risk level down as you get close to that 60. That sound alright? Cool. And just in terms of the investment, like, we we can pretty much pick from... Oh, jeez.\n\nHub's got 1,300 options there. That follow the market a bit closer and just drop the investment fees down a little bit, a bit different than what you've currently got. Got. Cool. Easy.\n\nAnd speaking of a dollar as well, we... I think I may have mentioned to you in the last call, may not have, but we've updated our fee structure for. We've basically brought out some discounts for clients above 200,000, where instead of that 1.65%, it drops to 1.37, and it kind of stays like a a flat fee for the year. You're getting close to $400, so I just wanted to offer you that kind of new new structure in the same document as well. Cool.\n\nAnd then when you get above 500,000, it drops again. Cool. So, basically, what I wanna do is I'll put together the statement of advice with the quote to the other insurer, the new portfolio, the new fee structure, and then that's an up to date plan for you. So outside of that, is there anything else you want me to factor into that advice document? Cool.\n\nSo we still got all the same goals in terms of just paying down the mortgage and everything, growing the super, better travel, reduce the debt, sort out the insurances. We've got... I believe you do have a will in place, and your beneficiary is still in line with your partner. Cool. Do you recall if you put in place a power of attorney when you did the will?\n\nSo I'll I'll put that in there as a reminder. That's just for, like, if you're in hospital, someone can act on your behalf, you know, talk to doctors access the bank accounts. But other than that, I think we've got a pretty good direction. And I've got everything else updated from you in terms of the properties, the occupations, and everything, so we should be okay. Cool.\n\nAlrighty. I should be able to put that together in a little bit less than a week. Do you want me to try and book you in for that presentation for late next week now or maybe the week after? What would be your preference? That's okay?\n\nJust because we got daylight savings, I've gotta double check. Yeah. I've got some some time, like, Thursday around kind of yeah. Yeah. I've got Friday.\n\nNow just bear in mind, Friday, we do, like, early in the morning. So... Which pushes up a little bit because you'll be daylight savings. So what I've got for Friday is 10AM, 1PM, or 2PM. Yep.\n\n1PM. And that's Friday the ninth. Easy done. I'll put in a bit of a reminder in the system. I'm just gonna double check-in there just because next week's when it all switches to balance savings.\n\nSo I got 1PM, big time, lunchtime, Queensland. And then, basically, it's just a matter of if you're happy with the plan, you sign up on that and the quote, and then we just go through a bit of an application with you for that life insurance. Cool. Again, we're not really touching anything with the CPD income protection. Just leave all those as it is, and we're not trying to get any trauma insurance.\n\nBeautiful. Mate, thank you very much for your time today. That gives me everything that I need, and I will have all of that ready for you for next Friday. Awesome, mate. Anything else I can do before I let you go?\n\nYou're a legend, Nathan. Have a fantastic weekend, and I'll talk to you next week. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Nathan.","start":3.84,"end":4.88,"sentiment":"neutral","sentiment_score":0.24503094454606375},{"text":"It's Tommy here, senior adviser from.","start":4.88,"end":6.98,"sentiment":"neutral","sentiment_score":0.1833078737060229},{"text":"How are you doing?","start":7.04,"end":7.94,"sentiment":"neutral","sentiment_score":0.19903656840324402},{"text":"Yeah.","start":10.16,"end":10.4,"sentiment":"positive","sentiment_score":0.394828736782074},{"text":"I'm doing fantastic.","start":10.4,"end":11.46,"sentiment":"positive","sentiment_score":0.668533980846405}],"sentiment":"neutral","sentiment_score":0.2959715899299173,"num_words":17,"start":3.84,"end":11.46},{"sentences":[{"text":"It's a bright sunny day.","start":11.599999,"end":12.799999,"sentiment":"positive","sentiment_score":0.41814069747924804},{"text":"What about your end?","start":12.799999,"end":13.635,"sentiment":"neutral","sentiment_score":0.09058697521686554},{"text":"Oh, no.","start":16.915,"end":23.015,"sentiment":"neutral","sentiment_score":-0.1558341644704342},{"text":"No.","start":23.154999,"end":23.395,"sentiment":"neutral","sentiment_score":-0.18169692158699036},{"text":"Good.","start":23.395,"end":23.635,"sentiment":"neutral","sentiment_score":-0.06183549016714096}],"sentiment":"neutral","sentiment_score":0.14598851135143867,"num_words":13,"start":11.599999,"end":23.635},{"sentences":[{"text":"No.","start":23.635,"end":23.875,"sentiment":"neutral","sentiment_score":-0.041310932487249374},{"text":"Good.","start":23.875,"end":24.375,"sentiment":"neutral","sentiment_score":0.16867272555828094},{"text":"I've got a bit of good news for you today.","start":24.435001,"end":26.535,"sentiment":"neutral","sentiment_score":0.2411016806960106},{"text":"I was just wanting to touch base on those insurance quotes and a couple other things that I picked up, if that's alright.","start":26.675,"end":32.59,"sentiment":"neutral","sentiment_score":0.06381722086149713},{"text":"Cool.","start":34.25,"end":34.75,"sentiment":"neutral","sentiment_score":0.1060912311077118}],"sentiment":"neutral","sentiment_score":0.1142296086375912,"num_words":36,"start":23.635,"end":34.75},{"sentences":[{"text":"Before I jump into it, quick adviser one two 73105.","start":35.05,"end":42.285,"sentiment":"neutral","sentiment_score":0.03967661205679178},{"text":"Are you okay for the call to be recorded?","start":42.845,"end":44.625,"sentiment":"neutral","sentiment_score":0.03014891863697105},{"text":"Beautiful.","start":46.525,"end":46.925,"sentiment":"neutral","sentiment_score":0.2632420063018799},{"text":"And just for the security of your info, can I please get your date of birth and address that we would have on file?","start":46.925,"end":52.705,"sentiment":"neutral","sentiment_score":0.0673022591508925},{"text":"Fantastic.","start":62.68,"end":63.079998,"sentiment":"positive","sentiment_score":0.5417386293411255}],"sentiment":"neutral","sentiment_score":0.0686298054125574,"num_words":45,"start":35.05,"end":63.079998},{"sentences":[{"text":"Thank you so much for that.","start":63.079998,"end":64.54,"sentiment":"positive","sentiment_score":0.6258963346481323},{"text":"Mate, I'll just quickly start off with the the insurance side of things for you.","start":64.6,"end":69.34,"sentiment":"neutral","sentiment_score":0.1531647264957428},{"text":"So we went through, did some pre assessing with the insurer and a few others as well, found some pretty cheap ones for you, which turned out pretty good.","start":69.96,"end":80.395,"sentiment":"neutral","sentiment_score":0.11033886876599543},{"text":"As a bit of a a kind of recap, so we were trying to essentially top up, like, your life insurance up to around 400,000, 600,000 if we could.","start":81.815,"end":92.24,"sentiment":"neutral","sentiment_score":0.033779932507153214},{"text":"Cool.","start":93.82,"end":94.32,"sentiment":"neutral","sentiment_score":0.07694240659475327}],"sentiment":"neutral","sentiment_score":0.12886545686051248,"num_words":80,"start":63.079998,"end":94.32},{"sentences":[{"text":"Given...","start":94.7,"end":95.18,"sentiment":"neutral","sentiment_score":0.03820277005434036},{"text":"Bearing in mind that sort of $40.50 that you've already got, we got some quotes for an additional $3.50 k as a pop up.","start":95.18,"end":103.705,"sentiment":"neutral","sentiment_score":0.03403556882403791},{"text":"Now with I, double o, f, they were looking at possibly an extra $800 a year for the extra life insurance.","start":103.845,"end":115.689995,"sentiment":"neutral","sentiment_score":0.017833714240363667},{"text":"I did find a couple of of providers that would offer it for about $5,600 instead.","start":115.75,"end":120.97,"sentiment":"neutral","sentiment_score":0.063434291863814},{"text":"So top off a good kind of 25% there.","start":122.869995,"end":126.345,"sentiment":"positive","sentiment_score":0.45040112402704024}],"sentiment":"neutral","sentiment_score":0.08870596066117287,"num_words":71,"start":94.7,"end":126.345},{"sentences":[{"text":"Now the weird thing with I, double o, f is I had a breakdown of the policies that they've got mixed up here because they've got two life insurance, two disability insurances.","start":128.485,"end":137.82999,"sentiment":"neutral","sentiment_score":-0.08134764630813152},{"text":"Normally, what we do, when you see two, one of them is like a default and one of them is like a top up that you can kind of increase and change.","start":139.96999,"end":147.98999,"sentiment":"neutral","sentiment_score":-0.06862179952440783},{"text":"But what they said was that the second policy that you've got is actually like an old Bendigo group policy that I'm not sure if you ever were part of, like, Bendigo group or anything like that in a previous employer.","start":149.17,"end":165.965,"sentiment":"neutral","sentiment_score":-0.17331248231050445},{"text":"Beautiful.","start":172.79001,"end":173.19,"sentiment":"positive","sentiment_score":0.34950321912765503},{"text":"So that explains it.","start":173.19,"end":174.65001,"sentiment":"neutral","sentiment_score":0.0609593540430069}],"sentiment":"neutral","sentiment_score":-0.10283175823702054,"num_words":110,"start":128.485,"end":174.65001},{"sentences":[{"text":"What I'm thinking is just in terms of the pre assessments that we did, you went through the health info with Caden and the team.","start":175.91,"end":181.635,"sentiment":"neutral","sentiment_score":0.013611736819148063},{"text":"So what we're looking at here, I went through knee surgery, tendon surgery, double hernia surgery, back strain, and that kind of creeping blood pressure.","start":183.635,"end":193.97499,"sentiment":"neutral","sentiment_score":-0.021482620164752008},{"text":"We ran all that by them.","start":194.39001,"end":196.07,"sentiment":"neutral","sentiment_score":0.10033745194474857},{"text":"It all looked pretty well fine for life insurance.","start":196.07,"end":198.33,"sentiment":"neutral","sentiment_score":0.31865444282690686},{"text":"The only question they had was in terms of the blood pressure getting up there, if we could obtain a, like, a recent reading.","start":199.99,"end":207.82501,"sentiment":"neutral","sentiment_score":-0.025306381518021226}],"sentiment":"neutral","sentiment_score":0.02995269052851736,"num_words":89,"start":175.91,"end":207.82501},{"sentences":[{"text":"I don't know if you...","start":210.365,"end":211.585,"sentiment":"neutral","sentiment_score":-0.1211091473698616},{"text":"One...","start":212.445,"end":212.945,"sentiment":"neutral","sentiment_score":-0.06247399002313614},{"text":"Just wondering if you've been to the doctor, say, sometime this year that you would have a reading floating around or if we could get one.","start":213.485,"end":219.69,"sentiment":"neutral","sentiment_score":-0.06380636130387966},{"text":"It might be possible to go from the machine.","start":238.775,"end":241.19499,"sentiment":"neutral","sentiment_score":0.05747926814688577},{"text":"I'll run it by them.","start":241.89499,"end":243.355,"sentiment":"neutral","sentiment_score":0.3091558158397675}],"sentiment":"neutral","sentiment_score":-0.005736796266358831,"num_words":46,"start":210.365,"end":243.355},{"sentences":[{"text":"So when it comes to applications, what they normally do is we fill in all the health details, and they may send off the, like, a doctor's report.","start":243.495,"end":251.57,"sentiment":"neutral","sentiment_score":0.16512857537184442},{"text":"And so what I'm wondering is we can either try and get the information beforehand and call them and say, hey.","start":253.07,"end":258.43,"sentiment":"neutral","sentiment_score":0.1450851648336365},{"text":"This is what we're looking at, or I can put the plan together, and then we can shoot off an application, and then they can they can request it from the doctors and see how it goes that way.","start":258.43,"end":268.465,"sentiment":"neutral","sentiment_score":0.19212658034685332},{"text":"Do you have a preference?","start":270.445,"end":271.505,"sentiment":"neutral","sentiment_score":0.057630997896194455},{"text":"Maybe we get it from the machine.","start":280.39,"end":281.83002,"sentiment":"neutral","sentiment_score":0.14727067947387695}],"sentiment":"neutral","sentiment_score":0.164823749512434,"num_words":100,"start":243.495,"end":281.83002},{"sentences":[{"text":"I'll run that by them as well.","start":281.83002,"end":283.53,"sentiment":"neutral","sentiment_score":0.2127309548003333},{"text":"Cool.","start":285.83002,"end":286.33002,"sentiment":"positive","sentiment_score":0.3905344009399414},{"text":"The other thing I wanted to run by you, just when we're putting together the statement of advice with the quotes and recommendations and everything, I wanted to possibly just touch on the superannuation in there as well just given...","start":286.47,"end":299.635,"sentiment":"neutral","sentiment_score":0.14796787437517195},{"text":"There's obviously a few things that have been happening this year with the war in Iran and the interest rates going up.","start":300.015,"end":305.49,"sentiment":"neutral","sentiment_score":-0.05278810884126208},{"text":"I just wanted to see if you were comfortable for me to kind of review the portfolio, maybe switch a few investments around to get the return and things kind of a bit better off for you.","start":307.09,"end":316.63,"sentiment":"neutral","sentiment_score":0.13074429917174415}],"sentiment":"neutral","sentiment_score":0.10723894144295254,"num_words":107,"start":281.83002,"end":316.63},{"sentences":[{"text":"Cool.","start":319.105,"end":319.42502,"sentiment":"positive","sentiment_score":0.5375412106513977},{"text":"That way I can kind of put it all into one plan, and that way it's all in writing for you.","start":319.42502,"end":324.565,"sentiment":"positive","sentiment_score":0.5241113333475023},{"text":"Cool.","start":325.42502,"end":325.92502,"sentiment":"positive","sentiment_score":0.47282519936561584},{"text":"I'll just quickly ask you in terms of the risk level that you've got.","start":326.625,"end":332.48502,"sentiment":"neutral","sentiment_score":0.1723369024693966},{"text":"You're in pretty well high growth.","start":333.105,"end":335.58002,"sentiment":"neutral","sentiment_score":0.2955583867927392}],"sentiment":"positive","sentiment_score":0.37680863641029183,"num_words":43,"start":319.105,"end":335.58002},{"sentences":[{"text":"We're trying to get high long term returns as much as we can, 90% of your money in shares, property, and gold.","start":335.58002,"end":341.84003,"sentiment":"positive","sentiment_score":0.4203739423643459},{"text":"While we're building up the super, are you okay to still kind of maintain that approach for the time being?","start":342.86002,"end":348.315,"sentiment":"neutral","sentiment_score":0.053056730702519414},{"text":"So I guess my my double check would be time frame wise because I think we've got you listed to retire around '65, about thirteen years away.","start":351.355,"end":362.415,"sentiment":"neutral","sentiment_score":-0.0068232545422183145},{"text":"You need at least nine or ten years to be high growth.","start":363.37,"end":366.16998,"sentiment":"neutral","sentiment_score":0.054494338730971016},{"text":"If the market crashes, you still need time to be able to get the returns that you need to get the retirement off.","start":366.16998,"end":371.71,"sentiment":"neutral","sentiment_score":0.04520736181217691}],"sentiment":"neutral","sentiment_score":0.11364264288344063,"num_words":104,"start":335.58002,"end":371.71},{"sentences":[{"text":"I would basically be looking at, in three or four years' time, gradually reducing your risk level down as you get close to that 60.","start":373.53,"end":381.75497,"sentiment":"neutral","sentiment_score":0.14321111142635345},{"text":"That sound alright?","start":383.735,"end":384.715,"sentiment":"neutral","sentiment_score":0.1499998023112615},{"text":"Cool.","start":386.615,"end":387.115,"sentiment":"positive","sentiment_score":0.5187193751335144},{"text":"And just in terms of the investment, like, we we can pretty much pick from...","start":388.615,"end":392.47,"sentiment":"neutral","sentiment_score":0.0786986028154691},{"text":"Oh, jeez.","start":392.47,"end":393.18997,"sentiment":"neutral","sentiment_score":0.04971260763704777}],"sentiment":"neutral","sentiment_score":0.12671523533113624,"num_words":46,"start":373.53,"end":393.18997},{"sentences":[{"text":"Hub's got 1,300 options there.","start":393.18997,"end":395.68997,"sentiment":"neutral","sentiment_score":0.060093479603528975},{"text":"That follow the market a bit closer and just drop the investment fees down a little bit, a bit different than what you've currently got.","start":400.78998,"end":406.815,"sentiment":"neutral","sentiment_score":0.046501768305897716},{"text":"Got.","start":410.975,"end":411.375,"sentiment":"neutral","sentiment_score":-0.01052035577595234},{"text":"Cool.","start":411.375,"end":411.875,"sentiment":"neutral","sentiment_score":0.1832086145877838},{"text":"Easy.","start":412.815,"end":413.315,"sentiment":"neutral","sentiment_score":0.1814783662557602}],"sentiment":"neutral","sentiment_score":0.055066006991899376,"num_words":33,"start":393.18997,"end":413.315},{"sentences":[{"text":"And speaking of a dollar as well, we...","start":414.095,"end":416.835,"sentiment":"neutral","sentiment_score":0.05699593760073185},{"text":"I think I may have mentioned to you in the last call, may not have, but we've updated our fee structure for.","start":417.135,"end":424.66,"sentiment":"neutral","sentiment_score":0.056327151134610176},{"text":"We've basically brought out some discounts for clients above 200,000, where instead of that 1.65%, it drops to 1.37, and it kind of stays like a a flat fee for the year.","start":426.8,"end":439.695,"sentiment":"neutral","sentiment_score":0.14548331778496504},{"text":"You're getting close to $400, so I just wanted to offer you that kind of new new structure in the same document as well.","start":440.555,"end":447.39,"sentiment":"neutral","sentiment_score":0.28885034409662086},{"text":"Cool.","start":449.95,"end":450.19,"sentiment":"positive","sentiment_score":0.4192788600921631}],"sentiment":"neutral","sentiment_score":0.15749790934824395,"num_words":87,"start":414.095,"end":450.19},{"sentences":[{"text":"And then when you get above 500,000, it drops again.","start":450.19,"end":453.09003,"sentiment":"neutral","sentiment_score":-0.024775125086307526},{"text":"Cool.","start":455.31003,"end":455.55002,"sentiment":"positive","sentiment_score":0.3932137787342071},{"text":"So, basically, what I wanna do is I'll put together the statement of advice with the quote to the other insurer, the new portfolio, the new fee structure, and then that's an up to date plan for you.","start":455.55002,"end":468.055,"sentiment":"neutral","sentiment_score":0.24145457187765523},{"text":"So outside of that, is there anything else you want me to factor into that advice document?","start":470.355,"end":475.73502,"sentiment":"neutral","sentiment_score":0.10696849621394101},{"text":"Cool.","start":481.37,"end":481.69,"sentiment":"neutral","sentiment_score":0.271401047706604}],"sentiment":"neutral","sentiment_score":0.17030748869500942,"num_words":67,"start":450.19,"end":481.69},{"sentences":[{"text":"So we still got all the same goals in terms of just paying down the mortgage and everything, growing the super, better travel, reduce the debt, sort out the insurances.","start":481.69,"end":490.34998,"sentiment":"neutral","sentiment_score":0.32944742689530054},{"text":"We've got...","start":493.025,"end":493.92502,"sentiment":"neutral","sentiment_score":0.17807522416114807},{"text":"I believe you do have a will in place, and your beneficiary is still in line with your partner.","start":493.98502,"end":499.605,"sentiment":"neutral","sentiment_score":0.17379339823597356},{"text":"Cool.","start":501.905,"end":502.405,"sentiment":"neutral","sentiment_score":0.30623912811279297},{"text":"Do you recall if you put in place a power of attorney when you did the will?","start":503.585,"end":510.7,"sentiment":"neutral","sentiment_score":0.030470952939461258}],"sentiment":"neutral","sentiment_score":0.20820134999635426,"num_words":69,"start":481.69,"end":510.7},{"sentences":[{"text":"So I'll I'll put that in there as a reminder.","start":511.4,"end":513.48,"sentiment":"neutral","sentiment_score":0.049329912289977074},{"text":"That's just for, like, if you're in hospital, someone can act on your behalf, you know, talk to doctors access the bank accounts.","start":513.48,"end":519.42,"sentiment":"neutral","sentiment_score":0.06565602269509564},{"text":"But other than that, I think we've got a pretty good direction.","start":521.865,"end":524.265,"sentiment":"neutral","sentiment_score":0.333258514602979},{"text":"And I've got everything else updated from you in terms of the properties, the occupations, and everything, so we should be okay.","start":524.265,"end":532.77,"sentiment":"neutral","sentiment_score":0.31794246489351446},{"text":"Cool.","start":536.77,"end":537.01,"sentiment":"positive","sentiment_score":0.3642975091934204}],"sentiment":"neutral","sentiment_score":0.19649296407313907,"num_words":68,"start":511.4,"end":537.01},{"sentences":[{"text":"Alrighty.","start":537.01,"end":537.51,"sentiment":"neutral","sentiment_score":0.31626367568969727},{"text":"I should be able to put that together in a little bit less than a week.","start":538.29004,"end":541.75,"sentiment":"neutral","sentiment_score":0.28938443306833506},{"text":"Do you want me to try and book you in for that presentation for late next week now or maybe the week after?","start":543.89,"end":549.625,"sentiment":"neutral","sentiment_score":0.13496353509633438},{"text":"What would be your preference?","start":549.625,"end":550.76495,"sentiment":"neutral","sentiment_score":0.07596158906817436},{"text":"That's okay?","start":554.665,"end":555.305,"sentiment":"neutral","sentiment_score":0.10452041402459145}],"sentiment":"neutral","sentiment_score":0.18381754649763413,"num_words":47,"start":537.01,"end":555.305},{"sentences":[{"text":"Just because we got daylight savings, I've gotta double check.","start":555.305,"end":558.66,"sentiment":"neutral","sentiment_score":0.031143233738839628},{"text":"Yeah.","start":581.315,"end":581.71497,"sentiment":"neutral","sentiment_score":0.007804987486451864},{"text":"I've got some some time, like, Thursday around kind of yeah.","start":581.71497,"end":591.68,"sentiment":"neutral","sentiment_score":-0.0021092493341050363},{"text":"Yeah.","start":591.68,"end":591.92,"sentiment":"neutral","sentiment_score":0.024603569880127907},{"text":"I've got Friday.","start":591.92,"end":592.9,"sentiment":"neutral","sentiment_score":0.031933726742863655}],"sentiment":"neutral","sentiment_score":0.01601693585801583,"num_words":26,"start":555.305,"end":592.9},{"sentences":[{"text":"Now just bear in mind, Friday, we do, like, early in the morning.","start":592.96,"end":596.74,"sentiment":"neutral","sentiment_score":0.03551003867043899},{"text":"So...","start":597.12,"end":597.62,"sentiment":"neutral","sentiment_score":0.016286492347717285},{"text":"Which pushes up a little bit because you'll be daylight savings.","start":598.24,"end":600.96,"sentiment":"neutral","sentiment_score":0.049762783402746376},{"text":"So what I've got for Friday is 10AM, 1PM, or 2PM.","start":600.96,"end":610.925,"sentiment":"neutral","sentiment_score":0.030347947708585045},{"text":"Yep.","start":615.225,"end":615.70496,"sentiment":"neutral","sentiment_score":0.02750096283853054}],"sentiment":"neutral","sentiment_score":0.037476648652070274,"num_words":37,"start":592.96,"end":615.70496},{"sentences":[{"text":"1PM.","start":615.70496,"end":616.44495,"sentiment":"neutral","sentiment_score":0.02343914471566677},{"text":"And that's Friday the ninth.","start":618.45,"end":619.99005,"sentiment":"neutral","sentiment_score":0.038834622502326964},{"text":"Easy done.","start":626.37006,"end":627.01,"sentiment":"positive","sentiment_score":0.4521624445915222},{"text":"I'll put in a bit of a reminder in the system.","start":627.01,"end":629.27,"sentiment":"neutral","sentiment_score":0.14376478371295062},{"text":"I'm just gonna double check-in there just because next week's when it all switches to balance savings.","start":631.145,"end":635.565,"sentiment":"neutral","sentiment_score":0.07198695115306798}],"sentiment":"neutral","sentiment_score":0.10908688713485996,"num_words":36,"start":615.70496,"end":635.565},{"sentences":[{"text":"So I got 1PM, big time, lunchtime, Queensland.","start":635.865,"end":639.965,"sentiment":"neutral","sentiment_score":0.10432417411357164},{"text":"And then, basically, it's just a matter of if you're happy with the plan, you sign up on that and the quote, and then we just go through a bit of an application with you for that life insurance.","start":643.66,"end":652.24,"sentiment":"neutral","sentiment_score":0.10259887375510655},{"text":"Cool.","start":657.66,"end":658.16,"sentiment":"neutral","sentiment_score":0.21295996010303497},{"text":"Again, we're not really touching anything with the CPD income protection.","start":658.645,"end":661.925,"sentiment":"neutral","sentiment_score":-0.0697026784023778},{"text":"Just leave all those as it is, and we're not trying to get any trauma insurance.","start":661.925,"end":665.545,"sentiment":"neutral","sentiment_score":-0.06925223546568304}],"sentiment":"neutral","sentiment_score":0.04232192266111572,"num_words":75,"start":635.865,"end":665.545},{"sentences":[{"text":"Beautiful.","start":668.885,"end":669.385,"sentiment":"positive","sentiment_score":0.5396603345870972},{"text":"Mate, thank you very much for your time today.","start":669.445,"end":671.285,"sentiment":"positive","sentiment_score":0.7279665072758993},{"text":"That gives me everything that I need, and I will have all of that ready for you for next Friday.","start":671.285,"end":676.49,"sentiment":"positive","sentiment_score":0.5526132136583328},{"text":"Awesome, mate.","start":678.63,"end":679.11,"sentiment":"positive","sentiment_score":0.5635571777820587},{"text":"Anything else I can do before I let you 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Nathan speaking. How you going? That's trying to rain here. It's human trying to rain. It's a new person. Yep. K. Yep. Sure. Yes. 09/16/1973 and 9 Easton Road, Trussdale, Bendley, Victoria 3550. Yes. Yep. Yep. Yes. Yep. Yep. K. Alright. Yep. Good. Yep. Sounds good. Yep. Right. Yes. Alright. Yeah. I I I worked at Bendigo Bank for, you know, twenty something years. Twenty years, I think it was. Yeah. So it would've been a part of that, I think. Yep. Yep. Yep. Yep. Good. Yep. Okay. Yep. So do I need to get a doctor for that or can I do that? Yeah. I'm just trying to think about... Yeah. I haven't been to the doctor for three or four months or more. So I don't know whether they took me blood pressure or not. I can't remember. Oh, is it something I can do? Because I do help me add blood pressure machine or does it need to come from the doctor? Yep. Yep. Yep. Okay. Yep. Maybe the same thing, I'd say whether they want it from the doctors or whatever. Yep. Yep. Yep. Okay. Yep. Yeah. Yep. Yep. Yeah. Yeah. Sure. Yep. Yep. Yep. Yep. Yep. Yep. Yeah. I think so. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. That sounds good to me. Yep. Yeah. Yeah. Yeah. Yep. Yep. I'm not into anything. Yep. It's gonna make me a dollar. Yes, sir. Yep. Right. Yep. Yep. Yep. Okay. Yep. Yep. Yep. Alright. No. I don't think so. Nothing I can think of off the top of my head anyway. So... Yeah. Yep. Yep. Yep. Yep. That's right. Yep. No. I just don't think I did. Yep. Yep. Yep. Yep. Yep. That should be okay. It's still the same. Yep. Yeah. This take me to guard. Just hang on. K. Next week. This week. Maybe... Is next week possible at all? No. I'm booked out Thursday. Is any on Friday or not? 1PM? Yep. Friday the night, 1PM. Yep. That works for me. Yep. Yep. Yep. Yep. Sounds good. Yep. Yep. Yep. Yep. Yep. Sounds good. No. No. I think that's it. Done well. Alright. Okay. Thank you. 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Nathan speaking. How you going? That's trying to rain here. It's human trying to rain.\n\nIt's a new person. Yep. K. Yep. Sure.\n\nYes. 09/16/1973 and 9 Easton Road, Trussdale, Bendley, Victoria 3550. Yes. Yep. Yep.\n\nYes. Yep. Yep. K. Alright.\n\nYep. Good. Yep. Sounds good. Yep.\n\nRight. Yes. Alright. Yeah. I I I worked at Bendigo Bank for, you know, twenty something years.\n\nTwenty years, I think it was. Yeah. So it would've been a part of that, I think. Yep. Yep.\n\nYep. Yep. Good. Yep. Okay.\n\nYep. So do I need to get a doctor for that or can I do that? Yeah. I'm just trying to think about... Yeah.\n\nI haven't been to the doctor for three or four months or more. So I don't know whether they took me blood pressure or not. I can't remember. Oh, is it something I can do? Because I do help me add blood pressure machine or does it need to come from the doctor?\n\nYep. Yep. Yep. Okay. Yep.\n\nMaybe the same thing, I'd say whether they want it from the doctors or whatever. Yep. 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Nathan speaking.\n\nChannel 0: Good afternoon, Nathan. It's Tommy here, senior adviser from. How are you doing?\n\nChannel 1: How you going?\n\nChannel 0: Yeah. I'm doing fantastic. It's a bright sunny day. What about your end?\n\nChannel 1: That's trying to rain here.\n\nChannel 0: Oh,\n\nChannel 1: It's human trying to rain. It's a new person.\n\nChannel 0: no. No. Good. No. Good.\n\nI've got a bit of good news for you today. I was\n\nChannel 1: Yep.\n\nChannel 0: just wanting to touch base on those insurance quotes and a couple\n\nChannel 1: K.\n\nChannel 0: other things that I picked up, if that's alright.\n\nChannel 1: Yep. Sure.\n\nChannel 0: Cool. Before I jump into it, quick adviser one two\n\nChannel 1: Yes.\n\nChannel 0: 73105. Are you okay for the call to be recorded? Beautiful. And just for the security of your info, can I please get your date of birth and address that we would have on file?\n\nChannel 1: 09/16/1973 and 9 Easton Road, Trussdale, Bendley, Victoria 3550.\n\nChannel 0: Fantastic. Thank you so much for that. Mate, I'll just quickly start off with the the\n\nChannel 1: Yes.\n\nChannel 0: insurance side of things for you. So we went through, did some pre assessing with the insurer and a few others as well,\n\nChannel 1: Yep.\n\nChannel 0: found some pretty cheap ones for you, which turned out pretty\n\nChannel 1: Yep.\n\nChannel 0: good. As a bit of a a kind of recap, so we were trying to essentially top up, like, your life insurance up\n\nChannel 1: Yes.\n\nChannel 0: to around 400,000, 600,000 if we could.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Cool. Given... Bearing in mind that sort of $40.50 that you've already got, we got some quotes for an additional $3.50 k\n\nChannel 1: K.\n\nChannel 0: as a pop up. Now with I, double o, f, they were looking at possibly an extra $800 a year for the extra life insurance. I did find a couple of of providers that would offer it for about $5,600 instead.\n\nChannel 1: Alright. Yep. Good. Yep. Sounds\n\nChannel 0: So\n\nChannel 1: good.\n\nChannel 0: top off a good kind of 25% there.\n\nChannel 1: Yep.\n\nChannel 0: Now the weird thing with I, double o, f is I had a breakdown of the policies that they've got mixed up here because they've got two life insurance, two disability insurances.\n\nChannel 1: Right.\n\nChannel 0: Normally, what we do, when you see two, one of them is like a default and one of them is like a top up that you can kind of increase and\n\nChannel 1: Yes.\n\nChannel 0: change. But what they said was that the second policy that you've got is actually like an old Bendigo group policy that\n\nChannel 1: Alright.\n\nChannel 0: I'm not sure if you ever were part of, like, Bendigo group or anything like that in a\n\nChannel 1: Yeah.\n\nChannel 0: previous\n\nChannel 1: I\n\nChannel 0: employer.\n\nChannel 1: I I worked at Bendigo Bank for, you know, twenty something years. Twenty years, I think it was. Yeah. So it would've been\n\nChannel 0: Beautiful.\n\nChannel 1: a part of\n\nChannel 0: So\n\nChannel 1: that, I\n\nChannel 0: that\n\nChannel 1: think.\n\nChannel 0: explains it.\n\nChannel 1: Yep.\n\nChannel 0: What I'm thinking is just in terms of the pre assessments that we did, you went through the health info with Caden and the team.\n\nChannel 1: Yep.\n\nChannel 0: So what we're looking at here, I went through knee surgery, tendon surgery, double hernia surgery, back strain, and that kind of creeping blood pressure. We ran all that by them. It all looked pretty well fine for life insurance.\n\nChannel 1: Yep. Yep. Good. Yep.\n\nChannel 0: The only question they had was in terms of the blood pressure getting up there, if we could obtain a, like, a recent reading.\n\nChannel 1: Okay. Yep. So do I need to get\n\nChannel 0: I\n\nChannel 1: a\n\nChannel 0: don't\n\nChannel 1: doctor\n\nChannel 0: know if\n\nChannel 1: for\n\nChannel 0: you...\n\nChannel 1: that or can I do that?\n\nChannel 0: One... Just wondering if you've been to the doctor, say, sometime this year that you would have a reading floating around or if we could get one.\n\nChannel 1: Yeah. I'm just trying to think about... Yeah. I haven't been to the doctor for three or four months or more. So I don't know whether they took me blood pressure or not.\n\nI can't remember. Oh, is it something I can do? Because I do help me add blood pressure machine or does it need to come from the doctor?\n\nChannel 0: It might be possible to go from the machine.\n\nChannel 1: Yep.\n\nChannel 0: I'll run it by them. So when it comes to applications, what they normally do is we fill in all the health details,\n\nChannel 1: Yep.\n\nChannel 0: and they may send off the, like, a doctor's report. And so what I'm wondering is we can either try and get the information beforehand and call them and say, hey. This is what we're looking at, or\n\nChannel 1: Yep.\n\nChannel 0: I can put the plan together, and then we can shoot off an application, and then they can they can request it from the doctors and see how it goes that way.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Do you have a preference?\n\nChannel 1: Maybe the same thing, I'd say whether they want it from the doctors or whatever. Yep.\n\nChannel 0: Maybe we get it from the machine. I'll run that by them as well.\n\nChannel 1: Yep. Yep. Okay. Yep.\n\nChannel 0: Cool. The other thing I wanted to run by you, just when we're putting together the statement of advice with the quotes and recommendations and everything,\n\nChannel 1: Yeah.\n\nChannel 0: I wanted to possibly just touch on the superannuation in there as well\n\nChannel 1: Yep.\n\nChannel 0: just given... There's obviously a few things that have been happening this year with the war in Iran and the interest rates going up.\n\nChannel 1: Yep.\n\nChannel 0: I just wanted to see if you were comfortable for me to kind of review the portfolio, maybe switch a few investments around to get the return and things kind of a bit better off for you.\n\nChannel 1: Yeah. Yeah. Sure. Yep.\n\nChannel 0: Cool. That way I can kind of put it all into one plan, and that way it's all in writing for\n\nChannel 1: Yep.\n\nChannel 0: you. Cool. I'll just quickly ask you in terms of the risk level that you've got. You're\n\nChannel 1: Yep.\n\nChannel 0: in pretty well high growth. We're trying\n\nChannel 1: Yep.\n\nChannel 0: to get high long term returns as much as we can, 90% of your money in shares, property, and gold.\n\nChannel 1: Yep. Yep.\n\nChannel 0: While we're building up the super, are you okay to still kind of maintain that approach for the time being?\n\nChannel 1: Yeah. I think so. Yep.\n\nChannel 0: So I guess my my double check would be time frame wise because I think we've got you listed to retire around '65, about\n\nChannel 1: Yep.\n\nChannel 0: thirteen years away.\n\nChannel 1: Yep.\n\nChannel 0: You need at least nine or ten years to be high growth. If the market crashes, you still need time to be able to get the returns that you need to\n\nChannel 1: Yep.\n\nChannel 0: get the retirement off.\n\nChannel 1: Yep.\n\nChannel 0: I would basically be looking at, in three or four years' time, gradually reducing your risk level down as you get close to that 60.\n\nChannel 1: Yep.\n\nChannel 0: That sound alright?\n\nChannel 1: Yep. Yep. Yep. That sounds\n\nChannel 0: Cool.\n\nChannel 1: good to me. Yep.\n\nChannel 0: And just in terms of the investment, like, we we can pretty much pick from... Oh, jeez. Hub's got 1,300 options there.\n\nChannel 1: Yeah.\n\nChannel 0: That follow the market a bit closer and just drop the investment fees down a little bit, a bit different than what you've currently got.\n\nChannel 1: Yeah. Yeah. Yep. Yep. I'm not into anything.\n\nYep. It's gonna make\n\nChannel 0: Got.\n\nChannel 1: me a dollar.\n\nChannel 0: Cool. Easy.\n\nChannel 1: Yes, sir.\n\nChannel 0: And speaking of a dollar as well, we... I think I may have mentioned to you in the last call, may not have, but we've updated our fee structure for.\n\nChannel 1: Yep.\n\nChannel 0: We've basically brought out some discounts for clients above 200,000, where instead of that 1.65%, it drops to 1.37, and\n\nChannel 1: Right.\n\nChannel 0: it kind of stays like a a flat fee for the year.\n\nChannel 1: Yep.\n\nChannel 0: You're getting close to $400, so I just wanted to offer you that kind of new new structure in the same document as well.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Cool. And then when you get above 500,000, it drops again.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Cool. So, basically, what I wanna do is I'll put together the statement of advice with the quote to the other insurer,\n\nChannel 1: Yep.\n\nChannel 0: the new portfolio, the new fee structure, and then that's an up to date plan for you. So\n\nChannel 1: Yep. Alright.\n\nChannel 0: outside of that, is there anything else you want me to factor into that advice document?\n\nChannel 1: No. I don't think so. Nothing I can think of off the top of my head anyway. So...\n\nChannel 0: Cool. So we still got all the same goals in terms of just paying down the mortgage and everything, growing\n\nChannel 1: Yeah.\n\nChannel 0: the super,\n\nChannel 1: Yep.\n\nChannel 0: better travel, reduce the debt, sort out the insurances.\n\nChannel 1: Yep.\n\nChannel 0: We've got... I believe you do have a will in place, and your beneficiary is still in line\n\nChannel 1: Yep.\n\nChannel 0: with your partner.\n\nChannel 1: Yep. That's right.\n\nChannel 0: Cool.\n\nChannel 1: Yep.\n\nChannel 0: Do you recall if you put in place a power of attorney when you did the\n\nChannel 1: No. I just don't think I did.\n\nChannel 0: will? So I'll I'll put that in there as a reminder. That's just for, like, if you're in hospital, someone\n\nChannel 1: Yep.\n\nChannel 0: can act on your behalf, you know, talk to doctors access the bank accounts.\n\nChannel 1: Yep.\n\nChannel 0: But other than that, I think we've got a pretty good direction. And I've got everything else updated from you in terms of the properties, the occupations, and everything,\n\nChannel 1: Yep.\n\nChannel 0: so we should be okay.\n\nChannel 1: Yep. Yep. That should be okay. It's still the same. Yep.\n\nChannel 0: Cool. Alrighty. I should be able to put that together in a little bit less than a week.\n\nChannel 1: Yeah.\n\nChannel 0: Do you want me to try and book you in for that presentation for late next week now or maybe the week after? What would be your preference?\n\nChannel 1: This take me to guard. Just hang on.\n\nChannel 0: That's okay? Just because we got daylight savings, I've gotta double\n\nChannel 1: K.\n\nChannel 0: check.\n\nChannel 1: Next week. This week. Maybe... Is next week possible at all?\n\nChannel 0: Yeah. I've got some some time, like, Thursday around kind of\n\nChannel 1: No. I'm booked out Thursday. Is any on Friday or not?\n\nChannel 0: yeah. Yeah. I've got Friday. Now just bear in mind, Friday, we do, like, early in the morning. So...\n\nWhich pushes up a little bit because you'll be daylight savings. So what I've got for Friday is 10AM, 1PM, or 2PM.\n\nChannel 1: 1PM?\n\nChannel 0: Yep. 1PM.\n\nChannel 1: Yep.\n\nChannel 0: And that's Friday the ninth.\n\nChannel 1: Friday the night, 1PM. Yep. That works for me.\n\nChannel 0: Easy done. I'll put in a bit of a reminder in the system.\n\nChannel 1: Yep.\n\nChannel 0: I'm just gonna double check-in there just because next week's when it all switches to balance savings. So\n\nChannel 1: Yep.\n\nChannel 0: I got 1PM, big time, lunchtime, Queensland. And then, basically, it's just a matter of if you're happy with the plan, you sign up on that and the quote, and then\n\nChannel 1: Yep.\n\nChannel 0: we just go through a bit of an application with you for that life insurance.\n\nChannel 1: Yep. Sounds good.\n\nChannel 0: Cool. Again, we're not really touching anything with the CPD income protection. Just leave all those as it is, and we're not\n\nChannel 1: Yep.\n\nChannel 0: trying to get any trauma insurance.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Beautiful. Mate, thank you very much for your time today. That gives\n\nChannel 1: Yep.\n\nChannel 0: me everything that I need, and I will have all of that ready for you for next Friday.\n\nChannel 1: Yep. Sounds good.\n\nChannel 0: Awesome, mate. Anything else I can do before I let you go?\n\nChannel 1: No. No. I think that's it. Done well.\n\nChannel 0: You're a legend, Nathan. Have a fantastic\n\nChannel 1: Alright.\n\nChannel 0: weekend, and I'll talk to you next week.\n\nChannel 1: Okay. Thank you.\n\nChannel 0: Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.76,"end":2.1599998,"sentiment":"neutral","sentiment_score":0.026676498353481293},{"text":"Nathan speaking.","start":2.1599998,"end":3.06,"sentiment":"neutral","sentiment_score":0.02972273901104927}],"sentiment":"neutral","sentiment_score":0.02870732545852661,"channel":1,"num_words":3,"start":1.76,"end":3.06},{"sentences":[{"text":"Good afternoon, Nathan.","start":3.84,"end":4.88,"sentiment":"neutral","sentiment_score":0.24503094454606375},{"text":"It's Tommy here, senior adviser from.","start":4.88,"end":6.98,"sentiment":"neutral","sentiment_score":0.1833078737060229},{"text":"How are you doing?","start":7.04,"end":7.94,"sentiment":"neutral","sentiment_score":0.19903656840324402}],"sentiment":"neutral","sentiment_score":0.20239125765286958,"channel":0,"num_words":13,"start":3.84,"end":7.94},{"sentences":[{"text":"How you going?","start":8.559999,"end":9.38,"sentiment":"neutral","sentiment_score":0.15308000147342682}],"sentiment":"neutral","sentiment_score":0.15308000147342682,"channel":1,"num_words":3,"start":8.559999,"end":9.38},{"sentences":[{"text":"Yeah.","start":10.16,"end":10.4,"sentiment":"positive","sentiment_score":0.394828736782074},{"text":"I'm doing fantastic.","start":10.4,"end":11.46,"sentiment":"positive","sentiment_score":0.668533980846405},{"text":"It's a bright sunny day.","start":11.599999,"end":12.799999,"sentiment":"positive","sentiment_score":0.41814069747924804},{"text":"What about your end?","start":12.799999,"end":13.635,"sentiment":"neutral","sentiment_score":0.09058697521686554}],"sentiment":"positive","sentiment_score":0.3733447744296147,"channel":0,"num_words":13,"start":10.16,"end":13.635},{"sentences":[{"text":"That's trying to rain here.","start":14.695,"end":16.154999,"sentiment":"neutral","sentiment_score":-0.17339883148670196}],"sentiment":"neutral","sentiment_score":-0.17339883148670196,"channel":1,"num_words":5,"start":14.695,"end":16.154999},{"sentences":[{"text":"Oh,","start":16.915,"end":17.415,"sentiment":"neutral","sentiment_score":-0.1178917959332466}],"sentiment":"neutral","sentiment_score":-0.1178917959332466,"channel":0,"num_words":1,"start":16.915,"end":17.415},{"sentences":[{"text":"It's human trying to rain.","start":18.615,"end":20.215,"sentiment":"neutral","sentiment_score":-0.16347979307174682},{"text":"It's a new person.","start":20.215,"end":21.675,"sentiment":"neutral","sentiment_score":-0.15344126522541046}],"sentiment":"neutral","sentiment_score":-0.15901822514004177,"channel":1,"num_words":9,"start":18.615,"end":21.675},{"sentences":[{"text":"no.","start":22.515,"end":23.015,"sentiment":"neutral","sentiment_score":-0.19377653300762177},{"text":"No.","start":23.154999,"end":23.395,"sentiment":"neutral","sentiment_score":-0.18169692158699036},{"text":"Good.","start":23.395,"end":23.635,"sentiment":"neutral","sentiment_score":-0.06183549016714096},{"text":"No.","start":23.635,"end":23.875,"sentiment":"neutral","sentiment_score":-0.041310932487249374},{"text":"Good.","start":23.875,"end":24.375,"sentiment":"neutral","sentiment_score":0.16867272555828094}],"sentiment":"neutral","sentiment_score":-0.0619894303381443,"channel":0,"num_words":5,"start":22.515,"end":24.375},{"sentences":[{"text":"I've got a bit of good news for you today.","start":24.435001,"end":26.535,"sentiment":"neutral","sentiment_score":0.2411016806960106},{"text":"I was","start":26.675,"end":27.154999,"sentiment":"neutral","sentiment_score":0.13066969066858292}],"sentiment":"neutral","sentiment_score":0.22269634902477264,"channel":0,"num_words":12,"start":24.435001,"end":27.154999},{"sentences":[{"text":"Yep.","start":26.880001,"end":27.380001,"sentiment":"neutral","sentiment_score":0.08040636777877808}],"sentiment":"neutral","sentiment_score":0.08040636777877808,"channel":1,"num_words":1,"start":26.880001,"end":27.380001},{"sentences":[{"text":"just wanting to touch base on those insurance quotes and a couple","start":27.154999,"end":30.57,"sentiment":"neutral","sentiment_score":0.07051163911819458}],"sentiment":"neutral","sentiment_score":0.07051163911819458,"channel":0,"num_words":12,"start":27.154999,"end":30.57},{"sentences":[{"text":"K.","start":30.32,"end":30.82,"sentiment":"neutral","sentiment_score":0.0378105491399765}],"sentiment":"neutral","sentiment_score":0.0378105491399765,"channel":1,"num_words":1,"start":30.32,"end":30.82},{"sentences":[{"text":"other things that I picked up, if that's alright.","start":30.57,"end":32.59,"sentiment":"neutral","sentiment_score":0.040035225450992584}],"sentiment":"neutral","sentiment_score":0.040035225450992584,"channel":0,"num_words":9,"start":30.57,"end":32.59},{"sentences":[{"text":"Yep.","start":32.72,"end":33.22,"sentiment":"neutral","sentiment_score":0.07545134425163269},{"text":"Sure.","start":33.68,"end":34.18,"sentiment":"neutral","sentiment_score":0.12307529896497726}],"sentiment":"neutral","sentiment_score":0.09926332160830498,"channel":1,"num_words":2,"start":32.72,"end":34.18},{"sentences":[{"text":"Cool.","start":34.25,"end":34.75,"sentiment":"neutral","sentiment_score":0.1060912311077118},{"text":"Before I jump into it, quick adviser one two","start":35.05,"end":40.65,"sentiment":"neutral","sentiment_score":0.04230355636941062}],"sentiment":"neutral","sentiment_score":0.04868232384324074,"channel":0,"num_words":10,"start":34.25,"end":40.65},{"sentences":[{"text":"Yes.","start":40.625,"end":41.125,"sentiment":"neutral","sentiment_score":0.02588568814098835}],"sentiment":"neutral","sentiment_score":0.02588568814098835,"channel":1,"num_words":1,"start":40.625,"end":41.125},{"sentences":[{"text":"73105.","start":40.65,"end":42.285,"sentiment":"neutral","sentiment_score":0.016034113243222237},{"text":"Are you okay for the call to be recorded?","start":42.845,"end":44.625,"sentiment":"neutral","sentiment_score":0.03014891863697105},{"text":"Beautiful.","start":46.525,"end":46.925,"sentiment":"neutral","sentiment_score":0.2632420063018799},{"text":"And just for the security of your info, can I please get your date of birth and address that we would have on file?","start":46.925,"end":52.705,"sentiment":"neutral","sentiment_score":0.0673022591508925}],"sentiment":"neutral","sentiment_score":0.0618820173399789,"channel":0,"num_words":35,"start":40.65,"end":52.705},{"sentences":[{"text":"09/16/1973 and 9 Easton Road, Trussdale, Bendley, Victoria 3550.","start":53.504997,"end":60.96,"sentiment":"neutral","sentiment_score":0.023559047633575067}],"sentiment":"neutral","sentiment_score":0.023559047633575067,"channel":1,"num_words":9,"start":53.504997,"end":60.96},{"sentences":[{"text":"Fantastic.","start":62.68,"end":63.079998,"sentiment":"positive","sentiment_score":0.5417386293411255},{"text":"Thank you so much for that.","start":63.079998,"end":64.54,"sentiment":"positive","sentiment_score":0.6258963346481323},{"text":"Mate, I'll just quickly start off with the the","start":64.6,"end":67.479996,"sentiment":"neutral","sentiment_score":0.16889114843474495}],"sentiment":"positive","sentiment_score":0.363571060821414,"channel":0,"num_words":16,"start":62.68,"end":67.479996},{"sentences":[{"text":"Yes.","start":67.445,"end":67.945,"sentiment":"neutral","sentiment_score":0.10597279667854308}],"sentiment":"neutral","sentiment_score":0.10597279667854308,"channel":1,"num_words":1,"start":67.445,"end":67.945},{"sentences":[{"text":"insurance side of things for you.","start":67.479996,"end":69.34,"sentiment":"neutral","sentiment_score":0.1295750935872396},{"text":"So we went through, did some pre assessing with the insurer and a few others as well,","start":69.96,"end":76.235,"sentiment":"neutral","sentiment_score":0.09870766629191007}],"sentiment":"neutral","sentiment_score":0.10676003862982211,"channel":0,"num_words":23,"start":67.479996,"end":76.235},{"sentences":[{"text":"Yep.","start":76.405,"end":76.905,"sentiment":"neutral","sentiment_score":0.08095403015613556}],"sentiment":"neutral","sentiment_score":0.08095403015613556,"channel":1,"num_words":1,"start":76.405,"end":76.905},{"sentences":[{"text":"found some pretty cheap ones for you, which turned out pretty","start":76.935,"end":79.895,"sentiment":"neutral","sentiment_score":0.11929817362265153}],"sentiment":"neutral","sentiment_score":0.11929817362265153,"channel":0,"num_words":11,"start":76.935,"end":79.895},{"sentences":[{"text":"Yep.","start":79.86,"end":80.36,"sentiment":"neutral","sentiment_score":0.15516336262226105}],"sentiment":"neutral","sentiment_score":0.15516336262226105,"channel":1,"num_words":1,"start":79.86,"end":80.36},{"sentences":[{"text":"good.","start":79.895,"end":80.395,"sentiment":"neutral","sentiment_score":0.2095169574022293},{"text":"As a bit of a a kind of recap, so we were trying to essentially top up, like, your life insurance 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could.","start":88.299995,"end":92.24,"sentiment":"neutral","sentiment_score":0.01742002261536462}],"sentiment":"neutral","sentiment_score":0.01742002261536462,"channel":0,"num_words":7,"start":88.299995,"end":92.24},{"sentences":[{"text":"Yep.","start":91.78,"end":92.28,"sentiment":"neutral","sentiment_score":0.04678128659725189},{"text":"Yep.","start":92.34,"end":92.84,"sentiment":"neutral","sentiment_score":0.05858888477087021}],"sentiment":"neutral","sentiment_score":0.05268508568406105,"channel":1,"num_words":2,"start":91.78,"end":92.84},{"sentences":[{"text":"Cool.","start":93.82,"end":94.32,"sentiment":"neutral","sentiment_score":0.07694240659475327},{"text":"Given...","start":94.7,"end":95.18,"sentiment":"neutral","sentiment_score":0.03820277005434036},{"text":"Bearing in mind that sort of $40.50 that you've already got, we got some quotes for an additional $3.50 k","start":95.18,"end":101.865,"sentiment":"neutral","sentiment_score":0.03502089129760862}],"sentiment":"neutral","sentiment_score":0.037071045572784816,"channel":0,"num_words":22,"start":93.82,"end":101.865},{"sentences":[{"text":"K.","start":102.205,"end":102.705,"sentiment":"neutral","sentiment_score":0.01581094227731228}],"sentiment":"neutral","sentiment_score":0.01581094227731228,"channel":1,"num_words":1,"start":102.205,"end":102.705},{"sentences":[{"text":"as a pop up.","start":102.565,"end":103.705,"sentiment":"neutral","sentiment_score":0.029108956456184387},{"text":"Now with I, double o, f, they were looking at possibly an extra $800 a year for the extra life insurance.","start":103.845,"end":115.689995,"sentiment":"neutral","sentiment_score":0.017833714240363667},{"text":"I did find a couple of of providers that would offer it for about $5,600 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off a good kind of 25% there.","start":123.685005,"end":126.345,"sentiment":"positive","sentiment_score":0.46004728972911835}],"sentiment":"positive","sentiment_score":0.46004728972911835,"channel":0,"num_words":8,"start":123.685005,"end":126.345},{"sentences":[{"text":"Yep.","start":126.685,"end":127.185,"sentiment":"neutral","sentiment_score":0.0903068110346794}],"sentiment":"neutral","sentiment_score":0.0903068110346794,"channel":1,"num_words":1,"start":126.685,"end":127.185},{"sentences":[{"text":"Now the weird thing with I, double o, f is I had a breakdown of the policies that they've got mixed up here because they've got two life insurance, two disability 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okay.","start":533.285,"end":534.32495,"sentiment":"neutral","sentiment_score":0.23428946360945702},{"text":"It's still the same.","start":534.32495,"end":535.125,"sentiment":"neutral","sentiment_score":0.22044333443045616},{"text":"Yep.","start":535.125,"end":535.625,"sentiment":"neutral","sentiment_score":0.21410289406776428}],"sentiment":"neutral","sentiment_score":0.2090496691790494,"channel":1,"num_words":11,"start":532.40497,"end":535.625},{"sentences":[{"text":"Cool.","start":536.77,"end":537.01,"sentiment":"positive","sentiment_score":0.3642975091934204},{"text":"Alrighty.","start":537.01,"end":537.51,"sentiment":"neutral","sentiment_score":0.31626367568969727},{"text":"I should be able to put that together in a little bit less than a 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guard.","start":551.76996,"end":552.73,"sentiment":"neutral","sentiment_score":-0.013912202417850494},{"text":"Just hang on.","start":552.73,"end":553.70996,"sentiment":"neutral","sentiment_score":-0.02991567055384318}],"sentiment":"neutral","sentiment_score":-0.01991350296884775,"channel":1,"num_words":8,"start":551.76996,"end":553.70996},{"sentences":[{"text":"That's okay?","start":554.665,"end":555.305,"sentiment":"neutral","sentiment_score":0.10452041402459145},{"text":"Just because we got daylight savings, I've gotta 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week.","start":570.32495,"end":571.14496,"sentiment":"neutral","sentiment_score":0.006186508573591709},{"text":"Maybe...","start":575.62,"end":576.12,"sentiment":"neutral","sentiment_score":0.004265184979885817},{"text":"Is next week possible at all?","start":576.3,"end":578.68,"sentiment":"neutral","sentiment_score":0.005398042810459931}],"sentiment":"neutral","sentiment_score":0.005745452617041089,"channel":1,"num_words":11,"start":559.605,"end":578.68},{"sentences":[{"text":"Yeah.","start":581.315,"end":581.71497,"sentiment":"neutral","sentiment_score":0.007804987486451864},{"text":"I've got some some time, like, Thursday around kind of","start":581.71497,"end":586.56,"sentiment":"neutral","sentiment_score":-0.0033743110951036217}],"sentiment":"neutral","sentiment_score":-0.002358011224053123,"channel":0,"num_words":11,"start":581.315,"end":586.56},{"sentences":[{"text":"No.","start":587.005,"end":587.325,"sentiment":"neutral","sentiment_score":-0.06145762279629707},{"text":"I'm booked out Thursday.","start":587.325,"end":588.28503,"sentiment":"neutral","sentiment_score":-0.05112119298428297},{"text":"Is any on Friday or not?","start":588.28503,"end":590.545,"sentiment":"neutral","sentiment_score":-0.01948924067740639}],"sentiment":"neutral","sentiment_score":-0.034807076254351574,"channel":1,"num_words":11,"start":587.005,"end":590.545},{"sentences":[{"text":"yeah.","start":591.44,"end":591.68,"sentiment":"neutral","sentiment_score":0.010541368275880814},{"text":"Yeah.","start":591.68,"end":591.92,"sentiment":"neutral","sentiment_score":0.024603569880127907},{"text":"I've got Friday.","start":591.92,"end":592.9,"sentiment":"neutral","sentiment_score":0.031933726742863655},{"text":"Now just bear in mind, Friday, we do, like, early in the 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that's Friday the ninth.","start":618.45,"end":619.99005,"sentiment":"neutral","sentiment_score":0.038834622502326964}],"sentiment":"neutral","sentiment_score":0.038834622502326964,"channel":0,"num_words":5,"start":618.45,"end":619.99005},{"sentences":[{"text":"Friday the night, 1PM.","start":620.51495,"end":622.695,"sentiment":"neutral","sentiment_score":0.03679417073726654},{"text":"Yep.","start":623.39496,"end":623.63495,"sentiment":"neutral","sentiment_score":0.14338535070419312},{"text":"That works for me.","start":623.63495,"end":624.855,"sentiment":"neutral","sentiment_score":0.27729105204343796}],"sentiment":"neutral","sentiment_score":0.15552513798077902,"channel":1,"num_words":9,"start":620.51495,"end":624.855},{"sentences":[{"text":"Easy done.","start":626.37006,"end":627.01,"sentiment":"positive","sentiment_score":0.4521624445915222},{"text":"I'll put in a bit of a reminder in the 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then","start":643.66,"end":648.46,"sentiment":"neutral","sentiment_score":0.12484962275872628}],"sentiment":"neutral","sentiment_score":0.12103318110589058,"channel":0,"num_words":31,"start":635.945,"end":648.46},{"sentences":[{"text":"Yep.","start":648.34503,"end":648.84503,"sentiment":"neutral","sentiment_score":0.06892722845077515}],"sentiment":"neutral","sentiment_score":0.06892722845077515,"channel":1,"num_words":1,"start":648.34503,"end":648.84503},{"sentences":[{"text":"we just go through a bit of an application with you for that life insurance.","start":648.46,"end":652.24,"sentiment":"neutral","sentiment_score":0.06699767534931501}],"sentiment":"neutral","sentiment_score":0.06699767534931501,"channel":0,"num_words":15,"start":648.46,"end":652.24},{"sentences":[{"text":"Yep.","start":655.16003,"end":655.56,"sentiment":"neutral","sentiment_score":0.12939131259918213},{"text":"Sounds 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not","start":661.925,"end":663.925,"sentiment":"neutral","sentiment_score":-0.0338040666654706}],"sentiment":"neutral","sentiment_score":-0.040536825862628495,"channel":0,"num_words":22,"start":657.66,"end":663.925},{"sentences":[{"text":"Yep.","start":663.80005,"end":664.30005,"sentiment":"neutral","sentiment_score":-0.08831393718719482}],"sentiment":"neutral","sentiment_score":-0.08831393718719482,"channel":1,"num_words":1,"start":663.80005,"end":664.30005},{"sentences":[{"text":"trying to get any trauma insurance.","start":663.925,"end":665.545,"sentiment":"neutral","sentiment_score":-0.12833251679937044}],"sentiment":"neutral","sentiment_score":-0.12833251679937044,"channel":0,"num_words":6,"start":663.925,"end":665.545},{"sentences":[{"text":"Yep.","start":666.625,"end":666.865,"sentiment":"neutral","sentiment_score":0.05052338168025017},{"text":"Yep.","start":666.865,"end":667.365,"sentiment":"neutral","sentiment_score":0.13170042634010315}],"sentiment":"neutral","sentiment_score":0.09111190401017666,"channel":1,"num_words":2,"start":666.625,"end":667.365},{"sentences":[{"text":"Beautiful.","start":668.885,"end":669.385,"sentiment":"positive","sentiment_score":0.5396603345870972},{"text":"Mate, thank you very much for your time today.","start":669.445,"end":671.285,"sentiment":"positive","sentiment_score":0.7279665072758993},{"text":"That gives","start":671.285,"end":671.685,"sentiment":"positive","sentiment_score":0.5755457580089569}],"sentiment":"positive","sentiment_score":0.686870868007342,"channel":0,"num_words":12,"start":668.885,"end":671.685},{"sentences":[{"text":"Yep.","start":671.58496,"end":672.08496,"sentiment":"positive","sentiment_score":0.5600945949554443}],"sentiment":"positive","sentiment_score":0.5600945949554443,"channel":1,"num_words":1,"start":671.58496,"end":672.08496},{"sentences":[{"text":"me everything that I need, and I will have all of that ready for you for next Friday.","start":671.685,"end":676.49,"sentiment":"positive","sentiment_score":0.5500651531749301}],"sentiment":"positive","sentiment_score":0.5500651531749301,"channel":0,"num_words":18,"start":671.685,"end":676.49},{"sentences":[{"text":"Yep.","start":676.305,"end":676.785,"sentiment":"neutral","sentiment_score":0.2203155755996704},{"text":"Sounds 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well.","start":682.57,"end":683.38995,"sentiment":"neutral","sentiment_score":0.26133081316947937}],"sentiment":"neutral","sentiment_score":0.004812645725905892,"channel":1,"num_words":8,"start":681.29,"end":683.38995},{"sentences":[{"text":"You're a legend, Nathan.","start":684.47,"end":685.51,"sentiment":"positive","sentiment_score":0.5951764136552811},{"text":"Have a fantastic","start":685.51,"end":686.25,"sentiment":"positive","sentiment_score":0.5187849998474121}],"sentiment":"positive","sentiment_score":0.5624372363090515,"channel":0,"num_words":7,"start":684.47,"end":686.25},{"sentences":[{"text":"Alright.","start":685.85,"end":686.35,"sentiment":"neutral","sentiment_score":0.10663317143917084}],"sentiment":"neutral","sentiment_score":0.10663317143917084,"channel":1,"num_words":1,"start":685.85,"end":686.35},{"sentences":[{"text":"weekend, and I'll talk to you next week.","start":686.39,"end":688.05286,"sentiment":"positive","sentiment_score":0.38308466598391533}],"sentiment":"positive","sentiment_score":0.38308466598391533,"channel":0,"num_words":8,"start":686.39,"end":688.05286},{"sentences":[{"text":"Okay.","start":688.32996,"end":688.81,"sentiment":"positive","sentiment_score":0.45667505264282227},{"text":"Thank you.","start":688.81,"end":689.55,"sentiment":"positive","sentiment_score":0.7994867265224457}],"sentiment":"positive","sentiment_score":0.6852161685625712,"channel":1,"num_words":3,"start":688.32996,"end":689.55},{"sentences":[{"text":"Bye.","start":691.3904,"end":691.8904,"sentiment":"positive","sentiment_score":0.4897030293941498}],"sentiment":"positive","sentiment_score":0.4897030293941498,"channel":0,"num_words":1,"start":691.3904,"end":691.8904},{"sentences":[{"text":"Bye.","start":691.52997,"end":692.02997,"sentiment":"neutral","sentiment_score":-0.1148957684636116}],"sentiment":"neutral","sentiment_score":-0.1148957684636116,"channel":1,"num_words":1,"start":691.52997,"end":692.02997}]},"summary":{"result":"success","short":"A senior adviser from NPM Financial called Nathan to discuss insurance quotes and other matters. They reviewed his life insurance policy and found a cheaper one for him. They discussed options for updating his policy and addressed his risk level. They also discussed his retirement plans, investment strategy, and risk management. They provided advice on paying down mortgages, growing his travel plans, and reducing debt. They scheduled a presentation for the customer and reminded him to sign up for a life insurance plan and reminder him to remind him of the presentation."},"intents":{"segments":[{"text":"just wanting to touch base on those insurance quotes and a couple K. other things that I picked up, if that's alright. Yep.","start_word":65,"end_word":87,"intents":[{"intent":"Touch base on insurance quotes","confidence_score":0.29500476}]},{"text":"And just for the security of your info, can I please get your date of birth and address that we would have on file?","start_word":111,"end_word":134,"intents":[{"intent":"Get security information","confidence_score":0.090256765}]},{"text":"So we went through, did some pre assessing with the insurer and a few others as well, Yep. found some pretty cheap ones for you, which turned out pretty Yep. good.","start_word":167,"end_word":197,"intents":[{"intent":"Go through pre-assessing with insurer","confidence_score":0.0009943859}]},{"text":"Cool. Given... Bearing in mind that sort of $40.50 that you've already got, we got some quotes for an additional $3.50 k K. as a pop up. Now with I, double o, f, they were looking at possibly an extra $800 a year for the extra life insurance. I did find a couple of of providers that would offer it for about $5,600 instead. Alright.","start_word":230,"end_word":294,"intents":[{"intent":"Get quotes for extra life insurance","confidence_score":0.10219308}]},{"text":"The only question they had was in terms of the blood pressure getting up there, if we could obtain a, like, a recent reading. Okay.","start_word":525,"end_word":549,"intents":[{"intent":"Request a recent reading","confidence_score":0.052083805}]},{"text":"Do you have a preference? Maybe the same thing, I'd say whether they want it from the doctors or whatever. Yep.","start_word":766,"end_word":786,"intents":[{"intent":"Obtain information from doctors","confidence_score":0.00024965353}]},{"text":"Maybe we get it from the machine. I'll run that by them as well. Yep.","start_word":787,"end_word":801,"intents":[{"intent":"Run by doctors","confidence_score":0.0077682044}]},{"text":"I just wanted to see if you were comfortable for me to kind of review the portfolio, maybe switch a few investments around to get the return and things kind of a bit better off for you. Yeah.","start_word":871,"end_word":908,"intents":[{"intent":"Review portfolio and invest","confidence_score":0.010628342}]},{"text":"While we're building up the super, are you okay to still kind of maintain that approach for the time being? Yeah.","start_word":982,"end_word":1002,"intents":[{"intent":"Maintain approach","confidence_score":0.220136}]},{"text":"I would basically be looking at, in three or four years' time, gradually reducing your risk level down as you get close to that 60. Yep.","start_word":1073,"end_word":1098,"intents":[{"intent":"Reduce risk level","confidence_score":0.83313715}]},{"text":"And just in terms of the investment, like, we we can pretty much pick from... Oh, jeez. Hub's got 1,300 options there. Yeah. That follow the market a bit closer and just drop the investment fees down a little bit, a bit different than what you've currently got. Yeah.","start_word":1112,"end_word":1160,"intents":[{"intent":"Promote investment options","confidence_score":0.00200756}]},{"text":"And speaking of a dollar as well, we... I think I may have mentioned to you in the last call, may not have, but we've updated our fee structure for. Yep.","start_word":1180,"end_word":1210,"intents":[{"intent":"Update fee structure","confidence_score":0.09236276}]},{"text":"I should be able to put that together in a little bit less than a week. Yeah. Do you want me to try and book you in for that presentation for late next week now or maybe the week after? What would be your preference?","start_word":1529,"end_word":1573,"intents":[{"intent":"Arrange presentation","confidence_score":0.16035296}]},{"text":"Just because we got daylight savings, I've gotta double K. check. Next week. This week. Maybe... Is next week possible at all? Yeah.","start_word":1584,"end_word":1606,"intents":[{"intent":"Check scheduling","confidence_score":0.0015713675}]}]},"sentiments":{"segments":[{"text":"Hello. Nathan speaking. Good afternoon, Nathan. It's Tommy here, senior adviser from. How are you doing? How you going?","start_word":0,"end_word":18,"sentiment":"neutral","sentiment_score":0.1706726849079132},{"text":"Yeah. I'm doing fantastic. It's a bright sunny day.","start_word":19,"end_word":27,"sentiment":"positive","sentiment_score":0.5054218173027039},{"text":"What about your end? That's trying to rain here. Oh, It's human trying to rain. It's a new person. no. No. Good. No. Good. I've got a bit of good news for you today. I was Yep. just wanting to touch base on those insurance quotes and a couple K. other things that I picked up, if that's alright. Yep. Sure. Cool. Before I jump into it, quick adviser one two Yes. 73105. Are you okay for the call to be recorded? Beautiful. And just for the security of your info, can I please get your date of birth and address that we would have on file? 09/16/1973 and 9 Easton Road, Trussdale, Bendley, Victoria 3550.","start_word":28,"end_word":143,"sentiment":"neutral","sentiment_score":0.03258046135306358},{"text":"Fantastic. Thank you so much for that.","start_word":144,"end_word":150,"sentiment":"positive","sentiment_score":0.6012977361679077},{"text":"Mate, I'll just quickly start off with the the Yes. insurance side of things for you. So we went through, did some pre assessing with the insurer and a few others as well, Yep. found some pretty cheap ones for you, which turned out pretty Yep. good. As a bit of a a kind of recap, so we were trying to essentially top up, like, your life insurance up Yes. to around 400,000, 600,000 if we could. Yep. Yep. Cool. Given... Bearing in mind that sort of $40.50 that you've already got, we got some quotes for an additional $3.50 k K. as a pop up. Now with I, double o, f, they were looking at possibly an extra $800 a year for the extra life insurance. I did find a couple of of providers that would offer it for about $5,600 instead. Alright. Yep. Good. Yep. Sounds So good.","start_word":151,"end_word":300,"sentiment":"neutral","sentiment_score":0.07257375866174698},{"text":"top off a good kind of 25% there.","start_word":301,"end_word":308,"sentiment":"positive","sentiment_score":0.467004120349884},{"text":"Yep. Now the weird thing with I, double o, f is I had a breakdown of the policies that they've got mixed up here because they've got two life insurance, two disability insurances. Right. Normally, what we do, when you see two, one of them is like a default and one of them is like a top up that you can kind of increase and Yes. change. But what they said was that the second policy that you've got is actually like an old Bendigo group policy that Alright. I'm not sure if you ever were part of, like, Bendigo group or anything like that in a Yeah. previous I employer. I I worked at Bendigo Bank for, you know, twenty something years. Twenty years, I think it was. Yeah. So it would've been Beautiful. a part of So that, I that think. explains it. Yep. What I'm thinking is just in terms of the pre assessments that we did, you went through the health info with Caden and the team. Yep. So what we're looking at here, I went through knee surgery, tendon surgery, double hernia surgery, back strain, and that kind of creeping blood pressure. We ran all that by them. It all looked pretty well fine for life insurance. Yep. Yep. Good. Yep. The only question they had was in terms of the blood pressure getting up there, if we could obtain a, like, a recent reading. Okay. Yep. So do I need to get I a don't doctor know if for you... that or can I do that? One... Just wondering if you've been to the doctor, say, sometime this year that you would have a reading floating around or if we could get one. Yeah. I'm just trying to think about... Yeah. I haven't been to the doctor for three or four months or more. So I don't know whether they took me blood pressure or not. I can't remember. Oh, is it something I can do? Because I do help me add blood pressure machine or does it need to come from the doctor? It might be possible to go from the machine. Yep. I'll run it by them. So when it comes to applications, what they normally do is we fill in all the health details, Yep. and they may send off the, like, a doctor's report. And so what I'm wondering is we can either try and get the information beforehand and call them and say, hey. This is what we're looking at, or Yep. I can put the plan together, and then we can shoot off an application, and then they can they can request it from the doctors and see how it goes that way. Okay. Yep. Do you have a preference? Maybe the same thing, I'd say whether they want it from the doctors or whatever. Yep. Maybe we get it from the machine. I'll run that by them as well. Yep. Yep. Okay. Yep.","start_word":309,"end_word":804,"sentiment":"neutral","sentiment_score":0.015251973643898964},{"text":"Cool.","start_word":805,"end_word":805,"sentiment":"positive","sentiment_score":0.3905344009399414},{"text":"The other thing I wanted to run by you, just when we're putting together the statement of advice with the quotes and recommendations and everything, Yeah. I wanted to possibly just touch on the superannuation in there as well Yep. just given... There's obviously a few things that have been happening this year with the war in Iran and the interest rates going up. Yep. I just wanted to see if you were comfortable for me to kind of review the portfolio, maybe switch a few investments around to get the return and things kind of a bit better off for you. Yeah. Yeah. Sure.","start_word":806,"end_word":910,"sentiment":"neutral","sentiment_score":0.09979889541864397},{"text":"Yep. Cool. That way I can kind of put it all into one plan, and that way it's all in writing for Yep. you. Cool.","start_word":911,"end_word":935,"sentiment":"positive","sentiment_score":0.4938230812549591},{"text":"I'll just quickly ask you in terms of the risk level that you've got. You're Yep.","start_word":936,"end_word":951,"sentiment":"neutral","sentiment_score":0.1585514396429062},{"text":"in pretty well high growth. We're trying Yep. to get high long term returns as much as we can, 90% of your money in shares, property, and gold.","start_word":952,"end_word":979,"sentiment":"positive","sentiment_score":0.40287545323371887},{"text":"Yep. Yep. While we're building up the super, are you okay to still kind of maintain that approach for the time being? Yeah. I think so. Yep. So I guess my my double check would be time frame wise because I think we've got you listed to retire around '65, about Yep. thirteen years away. Yep. You need at least nine or ten years to be high growth. If the market crashes, you still need time to be able to get the returns that you need to Yep. get the retirement off. Yep. I would basically be looking at, in three or four years' time, gradually reducing your risk level down as you get close to that 60. Yep. That sound alright? Yep. Yep. Yep.","start_word":980,"end_word":1104,"sentiment":"neutral","sentiment_score":0.06552573293447495},{"text":"That sounds Cool. good to me.","start_word":1105,"end_word":1110,"sentiment":"positive","sentiment_score":0.4741830229759216},{"text":"Yep. And just in terms of the investment, like, we we can pretty much pick from... Oh, jeez. Hub's got 1,300 options there. Yeah. That follow the market a bit closer and just drop the investment fees down a little bit, a bit different than what you've currently got. Yeah. Yeah. Yep. Yep. I'm not into anything. Yep. It's gonna make Got. me a dollar. Cool. Easy. Yes, sir. And speaking of a dollar as well, we... I think I may have mentioned to you in the last call, may not have, but we've updated our fee structure for. Yep. We've basically brought out some discounts for clients above 200,000, where instead of that 1.65%, it drops to 1.37, and Right. it kind of stays like a a flat fee for the year. Yep. You're getting close to $400, so I just wanted to offer you that kind of new new structure in the same document as well. Yep. Yep.","start_word":1111,"end_word":1270,"sentiment":"neutral","sentiment_score":0.10056164748966694},{"text":"Cool.","start_word":1271,"end_word":1271,"sentiment":"positive","sentiment_score":0.4192788600921631},{"text":"And then when you get above 500,000, it drops again. Okay. Yep.","start_word":1272,"end_word":1283,"sentiment":"neutral","sentiment_score":0.01239235047250986},{"text":"Cool.","start_word":1284,"end_word":1284,"sentiment":"positive","sentiment_score":0.3932137787342071},{"text":"So, basically, what I wanna do is I'll put together the statement of advice with the quote to the other insurer, Yep. the new portfolio, the new fee structure, and then that's an up to date plan for you. So Yep. Alright. outside of that, is there anything else you want me to factor into that advice document? No. I don't think so. Nothing I can think of off the top of my head anyway. So... Cool. So we still got all the same goals in terms of just paying down the mortgage and everything, growing Yeah.","start_word":1285,"end_word":1381,"sentiment":"neutral","sentiment_score":0.1492459774017334},{"text":"the super, Yep. better travel, reduce the debt, sort out the insurances.","start_word":1382,"end_word":1393,"sentiment":"positive","sentiment_score":0.3432501554489136},{"text":"Yep. We've got... I believe you do have a will in place, and your beneficiary is still in line Yep. with your partner. Yep. That's right. Cool. Yep. Do you recall if you put in place a power of attorney when you did the No. I just don't think I did. will? So I'll I'll put that in there as a reminder. That's just for, like, if you're in hospital, someone Yep. can act on your behalf, you know, talk to doctors access the bank accounts. Yep.","start_word":1394,"end_word":1480,"sentiment":"neutral","sentiment_score":0.08484534919261932},{"text":"But other than that, I think we've got a pretty good direction.","start_word":1481,"end_word":1492,"sentiment":"positive","sentiment_score":0.35108682513237},{"text":"And I've got everything else updated from you in terms of the properties, the occupations, and everything, Yep.","start_word":1493,"end_word":1510,"sentiment":"neutral","sentiment_score":0.30136165022850037},{"text":"so we should be okay.","start_word":1511,"end_word":1515,"sentiment":"positive","sentiment_score":0.3340177536010742},{"text":"Yep. Yep. That should be okay. It's still the same. Yep.","start_word":1516,"end_word":1526,"sentiment":"neutral","sentiment_score":0.1983497589826584},{"text":"Cool.","start_word":1527,"end_word":1527,"sentiment":"positive","sentiment_score":0.3642975091934204},{"text":"Alrighty. I should be able to put that together in a little bit less than a week. Yeah. Do you want me to try and book you in for that presentation for late next week now or maybe the week after? What would be your preference? This take me to guard. Just hang on. That's okay? Just because we got daylight savings, I've gotta double K. check. Next week. This week. Maybe... Is next week possible at all? Yeah. I've got some some time, like, Thursday around kind of No. I'm booked out Thursday. Is any on Friday or not? yeah. Yeah. I've got Friday. Now just bear in mind, Friday, we do, like, early in the morning. So... Which pushes up a little bit because you'll be daylight savings. So what I've got for Friday is 10AM, 1PM, or 2PM. 1PM? Yep. 1PM. Yep. And that's Friday the ninth. Friday the night, 1PM. Yep. That works for me.","start_word":1528,"end_word":1686,"sentiment":"neutral","sentiment_score":0.07627800486560138},{"text":"Easy done.","start_word":1687,"end_word":1688,"sentiment":"positive","sentiment_score":0.4452933967113495},{"text":"I'll put in a bit of a reminder in the system. Yep. I'm just gonna double check-in there just because next week's when it all switches to balance savings. So Yep. I got 1PM, big time, lunchtime, Queensland. And then, basically, it's just a matter of if you're happy with the plan, you sign up on that and the quote, and then Yep. we just go through a bit of an application with you for that life insurance. Yep. Sounds good. Cool. Again, we're not really touching anything with the CPD income protection. Just leave all those as it is, and we're not Yep. trying to get any trauma insurance. Yep. Yep.","start_word":1689,"end_word":1800,"sentiment":"neutral","sentiment_score":0.06837768107652664},{"text":"Beautiful. Mate, thank you very much for your time today. That gives Yep. me everything that I need, and I will have all of that ready for you for next Friday.","start_word":1801,"end_word":1831,"sentiment":"positive","sentiment_score":0.5914403200149536},{"text":"Yep.","start_word":1832,"end_word":1832,"sentiment":"neutral","sentiment_score":0.2203155755996704},{"text":"Sounds good. Awesome, mate.","start_word":1833,"end_word":1836,"sentiment":"positive","sentiment_score":0.525481104850769},{"text":"Anything else I can do before I let you go? No. No. I think that's it. Done well.","start_word":1837,"end_word":1854,"sentiment":"neutral","sentiment_score":0.07759266346693039},{"text":"You're a legend, Nathan. Have a fantastic Alright. weekend, and I'll talk to you next week. Okay. Thank you. Bye.","start_word":1855,"end_word":1874,"sentiment":"positive","sentiment_score":0.4943364799022675},{"text":"Bye.","start_word":1875,"end_word":1875,"sentiment":"neutral","sentiment_score":0.3069159984588623}],"average":{"sentiment":"neutral","sentiment_score":0.10431785840282}}}}