{"metadata":{"transaction_key":"deprecated","request_id":"019f4479-e539-7121-a9f2-a8d9a0d229f1","sha256":"be6e916ae710c289a2df122c9aba85c0670f520cb4477824e271595c20e50187","created":"2026-07-09T01:24:29.053Z","duration":974.8079,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":3353,"output_tokens":129},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3801,"output_tokens":3809},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3801,"output_tokens":387}},"results":{"channels":[{"alternatives":[{"transcript":"Hi, Ben. Larissa from Oaktree Larissa from Oaktree Financial. How are you going? Good. Sorry about the fall. I don't think the call connected properly. I'm not sure. No. That's okay. Did you, actually, did you get affected by the Telstra outages yesterday? Oh, who wants them anyway? Yeah. It was a it was fun. Anyway, I will keep this short and sweet. But the reason for my call was to follow-up from our conversation a few weeks ago just with reference to, obviously, the insurance application. And I also had a look into making some amendments to your superannuation investments as well as we did discuss briefly just to, you know, make sure that if there were any amendments or anything that we could do that we obviously looked into them. Now when I went through and had a look, the insurance came out the exact same. So there was no changes to the, like, premium or anything like that, which was good. I obviously just needed to make sure that, you know, if any of the providers that we were looking into had changed their products that we obviously took that into consideration. Obviously, since I spoke to you last over the last few weeks, you would have paid out that last little bit of car loan. Yeah. Which is fantastic. Good. So with that one being all paid out, that's obviously a breath of fresh air. But it obviously increases your cash flow a little bit, which is good. I still recommended that we keep to the $50 per week salary sacrifice arrangement. So no changes there even, like, you although you now have, you know, sort of the extra money that from the from no longer paying the car loan out. I don't wanna increase the salary sacrifice arrangement or anything like that. I wanna keep it as is. So the advice that I'm giving really is in three parts. First is that I want to keep your hub twenty four superannuation fund. I want to just make some really slight movements to the investments that you hold. Now currently, you hold two they're they're just they're two funds. So one is a Benelon Australian Equity Fund, and it's just not pulling its weight. And that's what it really comes down to is it's just not pulling its weight the way that I would want it to pull its weight. So I just wanna swap it out for another Australian equity. Then along just their high conviction fund, and the fund just isn't doing what I want it to do. The other one is it's a banking hybrid that you hold. Now banking hybrids are actually being phased out over the next few years. So I just wanna obviously move you out of that now before they're phased out and you've moved into a fund that is chosen for you and not chosen by us. Like, you know, we're obviously managing it. We wanna make sure that there's oversight that we're looking at everything properly. So what I wanna do is just move your funds into a core composite bond. So nothing, you know, too drastic. We're just moving some of the funds over that way, and and you'll hold money there. So nothing too major on that front. Just two of the investments you currently hold, I just wanna rediversify them out and move them across to other holdings within the same class realistically and and and truthfully because the Benelong does have a bit of a hefty fee behind it, I'm actually reducing the fee by about a $165 by moving our money over to our other Australian equity. So it's gonna cost you cheap like, it's gonna be cheaper in cost by doing these investment changes, which is nice. Obviously, more money compounding does a lot better, and the historical growth rate of this portfolio sits a lot better as well. So it's all all all coming up now, I guess. It's a win win. Perfect. Now aside from that, the second part is obviously the salary sacrifice. As we spoke about a few weeks ago, my team will draw up a letter for you to send off to the accountant. So that way, the accountant can start including those in when they're paying, you know, your super contributions. So that way, it's all taken care of. Well, it's a letter for you to remind yourself. So yeah. So I'll I'll still we'll still draw it up and and send that to you, but it's just basically when you when you're accruing your your your super contributions, you'll just basically deduct from your wage and and add that across to your super fund. The cool thing is is it reduces down on the tax you pay overall and and just gives you a a a bit of a bump to your super funds offsetting the insurance recommendation on that side. Now the insurances, we I've kept the same. It's still the same provider, one pass, So no changes on that front. Still looking at the total permanent disability and the income protection, so it covers you if, you know, you're not able to work. And that's the biggest part is that if you're not able to work, you're you you have that cover. Nice and cheap. It's coming in at basically $2,530 a year. Pending how the application goes. So following our conversation today, I've sent you documents already that I need you to look at and sign. Even though I'm explaining them, I still want you to go through and read them. What I need to do is book you in with one of my team to go through the actual application for the insurance. I suspect it's very highly likely that because you have a preexisting back condition and pending how that's still going, that you could end up with a back exclusion on the policy. Now if your back's great, you've had no niggles, pains, or anything like that in quite a while, then that may not actually eventuate. It's just all dependent on, I guess, how you're going. Perfect. Alright. No. That's that's really good. So there may be yeah. There it may be that during the underwriting, so during the actual application of the process or the of the policy, that that exclusion may not actually carry through. But it's just in my documentation, I do have that it it's it's possible just because I know that that does exist. Cool. Now aside from that, what I do wanna do is with your your current position, what I wanna recommend because your superannuation fund, while it is a retirement benefit, it does also form an estate benefit as well or possibly. So if anything happened to you, that money needs to be directed somewhere or can be directed somewhere. Now what I recommend that because we the position you're in, you know, we don't have a spouse, that we actually look at getting a will drawn up, you could do that quite easily yourself or through a solicitor. It's either either way. There are some really cool online platforms like Willed, w I, double l, e d, that are really cheap, and they can put a simple will in place for you. And what that would basically do is that would enable you to have an estate document that details not only your super, but it also dictates where any of your other assets go, such as the car and personal effects. Outside of that and the reason, I guess, I'm I'm I'm recommending that is because your superannuation fund will form part of your estate. So there's no nomination on the fund right now, and, automatically, it does form part of your estate if we don't nominate someone. Now with the position that you're in and I I I know that you you're you're separated and and and going through divorce. I had to think of the word. Sorry. I'm going through divorce. So it can so you don't have anyone that does fall under what's called the CIS Act, SIS, which is the superannuation legislation act that basically dictates who can receive superannuation benefits as a beneficiary nomination. So, unfortunately, the government very much restrict who can be a nominated beneficiary in that in that scope. And I wanna make sure that, obviously, your money goes to whoever you're wanting it to go to. So if that's, you know, parents or siblings or just, you know, the mate down the road, that one can go to them. Yes. Yeah. So a a will would enable you to do that. So a will, you could nominate your sister as the executor, which means that she would handle where all the funds go. And then you could nominate, you know, the beneficiaries to be the nieces and nephews. You know, if you had that really good mate and you really wanted him to have a watch or a car or whatever it is, then you could specifically nominate people to receive specific assets. Or you can just say, sell everything and yeah. That's yeah. I mean, look, 13 year old getting them hands on money. I'm sure they'll spend it wisely at the lolly shop. I have a I I have a 13 year old as well. So yeah. Absolutely. Apart from going to to for a walk to Coles, probably buying three or four bottles of soft drink. Yeah. It'd be his theme library would expand quite quite quickly, I think. Perfect. So, yeah, you're able to nominate nephew and and and that'll go through nicely on that side. Yeah. No. Unfortunately, not. So yeah. And it and it just it prevents the fights from happening as well. You know, if there's other siblings or other people and, you know, it just restricts the fighting. Look. I do have clients that go, I'm dead. I don't care. And that's fair enough if you wanna take that stance on it. But my recommendation is that we do obviously document everything properly. Yeah. Yes. And those estates yeah. And the poll and and estates get eaten into real quickly, unfortunately. That's perfect. Well, that's pretty much the everything that I wanted to run through and talk about and and, I guess, we could just explain to you. Did you have any questions at all about where the advice is, why the advice is, what the advice is, or where everything fits? Yep. Alright. Perfect. Well, I guess, in terms of of moving forward, there is in the statement of a draft document, it's, like, second to last page, So page 40. I know. Ridiculous. So many pages. There's basically a how to implement the advice. So it's a nice and easy step by step just to make it easy as to how we're doing everything. So step one is, you know, you just need to review. And if you agree with the advice, sign the documentation authorizing us to implement. After that, we basically take care of everything else. The only thing I need to do is basically book you in with Jack who does all my insurance applications, and he will basically be able to hold you hold your hands through all the questions and make it as easy as possible for you so we can get that insurance in play. Cool. Did you wanna book the appointment now, or do you wanna take your time, read the documents, and then come back to me? Yeah. Absolutely. You tell me a time, and I'll make it work in Jack's calendar. Absolutely. Cool. Let's cool. Do you wanna just do Tuesday fourteenth, 9AM? Alright. Perfect. What I'll do is I'll I'll actually invite you into it that way it pops up in your calendar so you don't forget to no. That's okay. Perfect. Well, you have the documents with you. They may be in your spam folder. I don't believe you've had a had a request we changed over to a new, like, they're called CRMs, but it's basically our data system. So it is all, like, our our file notes, like, your your data, and the signing system is all wrapped into one. We don't use DocuSign anymore. So it may be in your spam folder because you've never received an email from the system. But just have a look. If you have any issues Yeah. Perfect. Good. No. Yeah. Oh, yeah. I tell you about it all the time. Perfect. Well, I will I'll get that booked into Jack's calendar. And if there's any questions or issues, Jack can address them on Tuesday, or I'll be able to jump on the phone during that meeting and have a chat. Awesome. Perfect. Well, we'll talk to you then. Thanks, Ben. Have a great day. 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Ben. Larissa from Oaktree Larissa from Oaktree Financial. How are you going? Good. Sorry about the fall.\n\nI don't think the call connected properly. I'm not sure. No. That's okay. Did you, actually, did you get affected by the Telstra outages yesterday?\n\nOh, who wants them anyway? Yeah. It was a it was fun. Anyway, I will keep this short and sweet. But the reason for my call was to follow-up from our conversation a few weeks ago just with reference to, obviously, the insurance application.\n\nAnd I also had a look into making some amendments to your superannuation investments as well as we did discuss briefly just to, you know, make sure that if there were any amendments or anything that we could do that we obviously looked into them. Now when I went through and had a look, the insurance came out the exact same. So there was no changes to the, like, premium or anything like that, which was good. I obviously just needed to make sure that, you know, if any of the providers that we were looking into had changed their products that we obviously took that into consideration. Obviously, since I spoke to you last over the last few weeks, you would have paid out that last little bit of car loan.\n\nYeah. Which is fantastic. Good. So with that one being all paid out, that's obviously a breath of fresh air. But it obviously increases your cash flow a little bit, which is good.\n\nI still recommended that we keep to the $50 per week salary sacrifice arrangement. So no changes there even, like, you although you now have, you know, sort of the extra money that from the from no longer paying the car loan out. I don't wanna increase the salary sacrifice arrangement or anything like that. I wanna keep it as is. So the advice that I'm giving really is in three parts.\n\nFirst is that I want to keep your hub twenty four superannuation fund. I want to just make some really slight movements to the investments that you hold. Now currently, you hold two they're they're just they're two funds. So one is a Benelon Australian Equity Fund, and it's just not pulling its weight. And that's what it really comes down to is it's just not pulling its weight the way that I would want it to pull its weight.\n\nSo I just wanna swap it out for another Australian equity. Then along just their high conviction fund, and the fund just isn't doing what I want it to do. The other one is it's a banking hybrid that you hold. Now banking hybrids are actually being phased out over the next few years. So I just wanna obviously move you out of that now before they're phased out and you've moved into a fund that is chosen for you and not chosen by us.\n\nLike, you know, we're obviously managing it. We wanna make sure that there's oversight that we're looking at everything properly. So what I wanna do is just move your funds into a core composite bond. So nothing, you know, too drastic. We're just moving some of the funds over that way, and and you'll hold money there.\n\nSo nothing too major on that front. Just two of the investments you currently hold, I just wanna rediversify them out and move them across to other holdings within the same class realistically and and and truthfully because the Benelong does have a bit of a hefty fee behind it, I'm actually reducing the fee by about a $165 by moving our money over to our other Australian equity. So it's gonna cost you cheap like, it's gonna be cheaper in cost by doing these investment changes, which is nice. Obviously, more money compounding does a lot better, and the historical growth rate of this portfolio sits a lot better as well. So it's all all all coming up now, I guess.\n\nIt's a win win. Perfect. Now aside from that, the second part is obviously the salary sacrifice. As we spoke about a few weeks ago, my team will draw up a letter for you to send off to the accountant. So that way, the accountant can start including those in when they're paying, you know, your super contributions.\n\nSo that way, it's all taken care of. Well, it's a letter for you to remind yourself. So yeah. So I'll I'll still we'll still draw it up and and send that to you, but it's just basically when you when you're accruing your your your super contributions, you'll just basically deduct from your wage and and add that across to your super fund. The cool thing is is it reduces down on the tax you pay overall and and just gives you a a a bit of a bump to your super funds offsetting the insurance recommendation on that side.\n\nNow the insurances, we I've kept the same. It's still the same provider, one pass, So no changes on that front. Still looking at the total permanent disability and the income protection, so it covers you if, you know, you're not able to work. And that's the biggest part is that if you're not able to work, you're you you have that cover. Nice and cheap.\n\nIt's coming in at basically $2,530 a year. Pending how the application goes. So following our conversation today, I've sent you documents already that I need you to look at and sign. Even though I'm explaining them, I still want you to go through and read them. What I need to do is book you in with one of my team to go through the actual application for the insurance.\n\nI suspect it's very highly likely that because you have a preexisting back condition and pending how that's still going, that you could end up with a back exclusion on the policy. Now if your back's great, you've had no niggles, pains, or anything like that in quite a while, then that may not actually eventuate. It's just all dependent on, I guess, how you're going. Perfect. Alright.\n\nNo. That's that's really good. So there may be yeah. There it may be that during the underwriting, so during the actual application of the process or the of the policy, that that exclusion may not actually carry through. But it's just in my documentation, I do have that it it's it's possible just because I know that that does exist.\n\nCool. Now aside from that, what I do wanna do is with your your current position, what I wanna recommend because your superannuation fund, while it is a retirement benefit, it does also form an estate benefit as well or possibly. So if anything happened to you, that money needs to be directed somewhere or can be directed somewhere. Now what I recommend that because we the position you're in, you know, we don't have a spouse, that we actually look at getting a will drawn up, you could do that quite easily yourself or through a solicitor. It's either either way.\n\nThere are some really cool online platforms like Willed, w I, double l, e d, that are really cheap, and they can put a simple will in place for you. And what that would basically do is that would enable you to have an estate document that details not only your super, but it also dictates where any of your other assets go, such as the car and personal effects. Outside of that and the reason, I guess, I'm I'm I'm recommending that is because your superannuation fund will form part of your estate. So there's no nomination on the fund right now, and, automatically, it does form part of your estate if we don't nominate someone. Now with the position that you're in and I I I know that you you're you're separated and and and going through divorce.\n\nI had to think of the word. Sorry. I'm going through divorce. So it can so you don't have anyone that does fall under what's called the CIS Act, SIS, which is the superannuation legislation act that basically dictates who can receive superannuation benefits as a beneficiary nomination. So, unfortunately, the government very much restrict who can be a nominated beneficiary in that in that scope.\n\nAnd I wanna make sure that, obviously, your money goes to whoever you're wanting it to go to. So if that's, you know, parents or siblings or just, you know, the mate down the road, that one can go to them. Yes. Yeah. So a a will would enable you to do that.\n\nSo a will, you could nominate your sister as the executor, which means that she would handle where all the funds go. And then you could nominate, you know, the beneficiaries to be the nieces and nephews. You know, if you had that really good mate and you really wanted him to have a watch or a car or whatever it is, then you could specifically nominate people to receive specific assets. Or you can just say, sell everything and yeah. That's yeah.\n\nI mean, look, 13 year old getting them hands on money. I'm sure they'll spend it wisely at the lolly shop. I have a I I have a 13 year old as well. So yeah. Absolutely.\n\nApart from going to to for a walk to Coles, probably buying three or four bottles of soft drink. Yeah. It'd be his theme library would expand quite quite quickly, I think. Perfect. So, yeah, you're able to nominate nephew and and and that'll go through nicely on that side.\n\nYeah. No. Unfortunately, not. So yeah. And it and it just it prevents the fights from happening as well.\n\nYou know, if there's other siblings or other people and, you know, it just restricts the fighting. Look. I do have clients that go, I'm dead. I don't care. And that's fair enough if you wanna take that stance on it.\n\nBut my recommendation is that we do obviously document everything properly. Yeah. Yes. And those estates yeah. And the poll and and estates get eaten into real quickly, unfortunately.\n\nThat's perfect. Well, that's pretty much the everything that I wanted to run through and talk about and and, I guess, we could just explain to you. Did you have any questions at all about where the advice is, why the advice is, what the advice is, or where everything fits? Yep. Alright.\n\nPerfect. Well, I guess, in terms of of moving forward, there is in the statement of a draft document, it's, like, second to last page, So page 40. I know. Ridiculous. So many pages.\n\nThere's basically a how to implement the advice. So it's a nice and easy step by step just to make it easy as to how we're doing everything. So step one is, you know, you just need to review. And if you agree with the advice, sign the documentation authorizing us to implement. After that, we basically take care of everything else.\n\nThe only thing I need to do is basically book you in with Jack who does all my insurance applications, and he will basically be able to hold you hold your hands through all the questions and make it as easy as possible for you so we can get that insurance in play. Cool. Did you wanna book the appointment now, or do you wanna take your time, read the documents, and then come back to me? Yeah. Absolutely.\n\nYou tell me a time, and I'll make it work in Jack's calendar. Absolutely. Cool. Let's cool. Do you wanna just do Tuesday fourteenth, 9AM?\n\nAlright. Perfect. What I'll do is I'll I'll actually invite you into it that way it pops up in your calendar so you don't forget to no. That's okay. Perfect.\n\nWell, you have the documents with you. They may be in your spam folder. I don't believe you've had a had a request we changed over to a new, like, they're called CRMs, but it's basically our data system. So it is all, like, our our file notes, like, your your data, and the signing system is all wrapped into one. We don't use DocuSign anymore.\n\nSo it may be in your spam folder because you've never received an email from the system. But just have a look. If you have any issues Yeah. Perfect. Good.\n\nNo. Yeah. Oh, yeah. I tell you about it all the time. Perfect.\n\nWell, I will I'll get that booked into Jack's calendar. And if there's any questions or issues, Jack can address them on Tuesday, or I'll be able to jump on the phone during that meeting and have a chat. Awesome. Perfect. Well, we'll talk to you then.\n\nThanks, Ben. Have a great day. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Ben.","start":3.9199998,"end":4.64,"sentiment":"neutral","sentiment_score":0.04082948714494705},{"text":"Larissa from Oaktree Larissa from Oaktree Financial.","start":4.64,"end":7.7599998,"sentiment":"neutral","sentiment_score":0.10774418552006994},{"text":"How are you going?","start":7.7599998,"end":8.58,"sentiment":"neutral","sentiment_score":0.18983491882681847},{"text":"Good.","start":11.5199995,"end":12.0,"sentiment":"neutral","sentiment_score":0.2877655029296875},{"text":"Sorry about the fall.","start":12.0,"end":13.095,"sentiment":"neutral","sentiment_score":-0.16946355253458023}],"sentiment":"neutral","sentiment_score":0.0669510689460569,"num_words":18,"start":3.9199998,"end":13.095},{"sentences":[{"text":"I don't think the call connected properly.","start":13.255,"end":15.255,"sentiment":"neutral","sentiment_score":-0.24797928546156203},{"text":"I'm not sure.","start":15.255,"end":16.075,"sentiment":"neutral","sentiment_score":-0.1437972684701284},{"text":"No.","start":25.095001,"end":25.415,"sentiment":"neutral","sentiment_score":-0.2080950289964676},{"text":"That's okay.","start":25.415,"end":26.235,"sentiment":"neutral","sentiment_score":-0.13695858418941498},{"text":"Did you, actually, did you get affected by the Telstra outages yesterday?","start":27.34,"end":30.960001,"sentiment":"neutral","sentiment_score":-0.07115176475296418}],"sentiment":"neutral","sentiment_score":-0.14012320712208748,"num_words":25,"start":13.255,"end":30.960001},{"sentences":[{"text":"Oh, who wants them anyway?","start":36.54,"end":37.92,"sentiment":"neutral","sentiment_score":-0.05843801647424698},{"text":"Yeah.","start":45.675,"end":46.155,"sentiment":"neutral","sentiment_score":-0.009052688255906103},{"text":"It was a it was fun.","start":46.155,"end":48.895,"sentiment":"neutral","sentiment_score":0.08966648361335199},{"text":"Anyway, I will keep this short and sweet.","start":53.0,"end":55.74,"sentiment":"neutral","sentiment_score":0.06406020699068904},{"text":"But the reason for my call was to follow-up from our conversation a few weeks ago just with reference to, obviously, the insurance application.","start":56.440002,"end":67.675,"sentiment":"neutral","sentiment_score":0.046406501050417624}],"sentiment":"neutral","sentiment_score":0.04234076845882968,"num_words":44,"start":36.54,"end":67.675},{"sentences":[{"text":"And I also had a look into making some amendments to your superannuation investments as well as we did discuss briefly just to, you know, make sure that if there were any amendments or anything that we could do that we obviously looked into them.","start":68.615005,"end":85.01,"sentiment":"neutral","sentiment_score":0.095322870877054},{"text":"Now when I went through and had a look, the insurance came out the exact same.","start":87.15,"end":92.115,"sentiment":"neutral","sentiment_score":0.10448830993846059},{"text":"So there was no changes to the, like, premium or anything like that, which was good.","start":92.354996,"end":97.634995,"sentiment":"neutral","sentiment_score":0.09253101027570665},{"text":"I obviously just needed to make sure that, you know, if any of the providers that we were looking into had changed their products that we obviously took that into consideration.","start":97.634995,"end":105.575,"sentiment":"neutral","sentiment_score":-0.005623061330087723},{"text":"Obviously, since I spoke to you last over the last few weeks, you would have paid out that last little bit of car loan.","start":107.32001,"end":113.66,"sentiment":"neutral","sentiment_score":-0.003940582663441698}],"sentiment":"neutral","sentiment_score":0.05434052596771807,"num_words":132,"start":68.615005,"end":113.66},{"sentences":[{"text":"Yeah.","start":117.08,"end":117.58,"sentiment":"positive","sentiment_score":0.399645060300827},{"text":"Which is fantastic.","start":118.44,"end":119.420006,"sentiment":"positive","sentiment_score":0.6712674101193746},{"text":"Good.","start":120.335,"end":120.835,"sentiment":"positive","sentiment_score":0.5475986003875732},{"text":"So with that one being all paid out, that's obviously a breath of fresh air.","start":121.695,"end":127.635,"sentiment":"positive","sentiment_score":0.5035628338654836},{"text":"But it obviously increases your cash flow a little bit, which is good.","start":128.975,"end":132.72,"sentiment":"positive","sentiment_score":0.5017418609215663}],"sentiment":"positive","sentiment_score":0.5162767451820951,"num_words":33,"start":117.08,"end":132.72},{"sentences":[{"text":"I still recommended that we keep to the $50 per week salary sacrifice arrangement.","start":132.88,"end":142.1,"sentiment":"neutral","sentiment_score":0.15122584093894278},{"text":"So no changes there even, like, you although you now have, you know, sort of the extra money that from the from no longer paying the car loan out.","start":142.32,"end":150.995,"sentiment":"neutral","sentiment_score":0.07909393901454992},{"text":"I don't wanna increase the salary sacrifice arrangement or anything like that.","start":151.615,"end":154.335,"sentiment":"neutral","sentiment_score":-0.28715964034199715},{"text":"I wanna keep it as is.","start":154.335,"end":155.875,"sentiment":"neutral","sentiment_score":0.10756394267082214},{"text":"So the advice that I'm giving really is in three parts.","start":156.895,"end":161.72,"sentiment":"neutral","sentiment_score":0.15187117660587485}],"sentiment":"neutral","sentiment_score":0.045568568321565785,"num_words":72,"start":132.88,"end":161.72},{"sentences":[{"text":"First is that I want to keep your hub twenty four superannuation fund.","start":162.34001,"end":167.32,"sentiment":"neutral","sentiment_score":0.21798996856579414},{"text":"I want to just make some really slight movements to the investments that you hold.","start":168.02,"end":174.21501,"sentiment":"neutral","sentiment_score":0.19756591220696768},{"text":"Now currently, you hold two they're they're just they're two funds.","start":174.675,"end":179.735,"sentiment":"neutral","sentiment_score":-0.03703975101763552},{"text":"So one is a Benelon Australian Equity Fund, and it's just not pulling its weight.","start":179.795,"end":184.375,"sentiment":"neutral","sentiment_score":-0.1447256134202083},{"text":"And that's what it really comes down to is it's just not pulling its weight the way that I would want it to pull its weight.","start":184.755,"end":189.22,"sentiment":"neutral","sentiment_score":-0.29037879837247044}],"sentiment":"neutral","sentiment_score":-0.05413514932151884,"num_words":80,"start":162.34001,"end":189.22},{"sentences":[{"text":"So I just wanna swap it out for another Australian equity.","start":189.76001,"end":192.34,"sentiment":"neutral","sentiment_score":-0.054793247106400406},{"text":"Then along just their high conviction fund, and the fund just isn't doing what I want it to do.","start":192.88,"end":198.74,"sentiment":"neutral","sentiment_score":-0.3296641076081677},{"text":"The other one is it's a banking hybrid that you hold.","start":199.28,"end":204.375,"sentiment":"neutral","sentiment_score":-0.06754737381230701},{"text":"Now banking hybrids are actually being phased out over the next few years.","start":204.675,"end":209.33499,"sentiment":"neutral","sentiment_score":-0.20150539737481338},{"text":"So I just wanna obviously move you out of that now before they're phased out and you've moved into a fund that is chosen for you and not chosen by us.","start":210.355,"end":220.67001,"sentiment":"neutral","sentiment_score":-0.12050912889742083}],"sentiment":"neutral","sentiment_score":-0.16429080042768926,"num_words":85,"start":189.76001,"end":220.67001},{"sentences":[{"text":"Like, you know, we're obviously managing it.","start":220.67001,"end":222.43001,"sentiment":"neutral","sentiment_score":-0.029073717338698252},{"text":"We wanna make sure that there's oversight that we're looking at everything properly.","start":222.43001,"end":225.89001,"sentiment":"neutral","sentiment_score":0.024465139095599834},{"text":"So what I wanna do is just move your funds into a core composite bond.","start":227.55,"end":233.19499,"sentiment":"neutral","sentiment_score":0.2528947353363037},{"text":"So nothing, you know, too drastic.","start":233.415,"end":235.495,"sentiment":"neutral","sentiment_score":0.13774722069501877},{"text":"We're just moving some of the funds over that way, and and you'll hold money there.","start":235.495,"end":241.11499,"sentiment":"neutral","sentiment_score":0.2662480790168047}],"sentiment":"neutral","sentiment_score":0.15779656851500795,"num_words":57,"start":220.67001,"end":241.11499},{"sentences":[{"text":"So nothing too major on that front.","start":241.655,"end":244.71,"sentiment":"neutral","sentiment_score":0.049146654350417},{"text":"Just two of the investments you currently hold, I just wanna rediversify them out and move them across to other holdings within the same class realistically and and and truthfully because the Benelong does have a bit of a hefty fee behind it, I'm actually reducing the fee by about a $165 by moving our money over to our other Australian equity.","start":245.27,"end":270.215,"sentiment":"neutral","sentiment_score":0.24910935789587035},{"text":"So it's gonna cost you cheap like, it's gonna be cheaper in cost by doing these investment changes, which is nice.","start":270.73,"end":276.75,"sentiment":"positive","sentiment_score":0.6570157366139548},{"text":"Obviously, more money compounding does a lot better, and the historical growth rate of this portfolio sits a lot better as well.","start":276.81,"end":285.435,"sentiment":"positive","sentiment_score":0.7324900247833945},{"text":"So it's all all all coming up now, I guess.","start":285.915,"end":289.675,"sentiment":"positive","sentiment_score":0.708183765411377}],"sentiment":"positive","sentiment_score":0.43264553637900316,"num_words":122,"start":241.655,"end":289.675},{"sentences":[{"text":"It's a win win.","start":289.675,"end":290.815,"sentiment":"positive","sentiment_score":0.7062058746814728},{"text":"Perfect.","start":294.715,"end":295.215,"sentiment":"positive","sentiment_score":0.5310577154159546},{"text":"Now aside from that, the second part is obviously the salary sacrifice.","start":295.675,"end":300.575,"sentiment":"neutral","sentiment_score":0.02323749257872502},{"text":"As we spoke about a few weeks ago, my team will draw up a letter for you to send off to the accountant.","start":300.86,"end":307.04,"sentiment":"neutral","sentiment_score":0.0693764004694379},{"text":"So that way, the accountant can start including those in when they're paying, you know, your super contributions.","start":307.18,"end":314.32,"sentiment":"neutral","sentiment_score":0.08335941450463401}],"sentiment":"neutral","sentiment_score":0.1160492723615005,"num_words":58,"start":289.675,"end":314.32},{"sentences":[{"text":"So that way, it's all taken care of.","start":316.125,"end":317.98502,"sentiment":"neutral","sentiment_score":0.10700238775461912},{"text":"Well, it's a letter for you to remind yourself.","start":319.165,"end":321.265,"sentiment":"neutral","sentiment_score":0.1272547874185774},{"text":"So yeah.","start":325.565,"end":326.045,"sentiment":"neutral","sentiment_score":0.12606919556856155},{"text":"So I'll I'll still we'll still draw it up and and send that to you, but it's just basically when you when you're accruing your your your super contributions, you'll just basically deduct from your wage and and add that across to your super fund.","start":326.045,"end":339.15,"sentiment":"neutral","sentiment_score":0.14535599367486107},{"text":"The cool thing is is it reduces down on the tax you pay overall and and just gives you a a a bit of a bump to your super funds offsetting the insurance recommendation on that side.","start":339.77,"end":352.265,"sentiment":"positive","sentiment_score":0.40769590256181926}],"sentiment":"neutral","sentiment_score":0.23642790782274586,"num_words":101,"start":316.125,"end":352.265},{"sentences":[{"text":"Now the insurances, we I've kept the same.","start":353.845,"end":356.805,"sentiment":"neutral","sentiment_score":0.10299865156412125},{"text":"It's still the same provider, one pass, So no changes on that front.","start":356.805,"end":361.31003,"sentiment":"neutral","sentiment_score":0.08197991288481997},{"text":"Still looking at the total permanent disability and the income protection, so it covers you if, you know, you're not able to work.","start":362.01,"end":369.71002,"sentiment":"neutral","sentiment_score":-0.055888950338830116},{"text":"And that's the biggest part is that if you're not able to work, you're you you have that cover.","start":369.77002,"end":374.43002,"sentiment":"neutral","sentiment_score":-0.0052169918719875185},{"text":"Nice and cheap.","start":375.345,"end":375.985,"sentiment":"positive","sentiment_score":0.6692506273587545}],"sentiment":"neutral","sentiment_score":0.03807441301107632,"num_words":66,"start":353.845,"end":375.985},{"sentences":[{"text":"It's coming in at basically $2,530 a year.","start":375.985,"end":379.685,"sentiment":"neutral","sentiment_score":0.33310069888830185},{"text":"Pending how the application goes.","start":381.905,"end":383.665,"sentiment":"neutral","sentiment_score":0.17539665699005128},{"text":"So following our conversation today, I've sent you documents already that I need you to look at and sign.","start":383.665,"end":389.445,"sentiment":"neutral","sentiment_score":0.07811359022008746},{"text":"Even though I'm explaining them, I still want you to go through and read them.","start":389.81998,"end":392.96,"sentiment":"neutral","sentiment_score":0.027367930735150973},{"text":"What I need to do is book you in with one of my team to go through the actual application for the insurance.","start":393.74,"end":399.75998,"sentiment":"neutral","sentiment_score":-0.050377983923839485}],"sentiment":"neutral","sentiment_score":0.061111034585961274,"num_words":70,"start":375.985,"end":399.75998},{"sentences":[{"text":"I suspect it's very highly likely that because you have a preexisting back condition and pending how that's still going, that you could end up with a back exclusion on the policy.","start":401.41998,"end":410.85498,"sentiment":"neutral","sentiment_score":-0.31076363986358047},{"text":"Now if your back's great, you've had no niggles, pains, or anything like that in quite a while, then that may not actually eventuate.","start":412.435,"end":419.975,"sentiment":"neutral","sentiment_score":-0.22228668568034968},{"text":"It's just all dependent on, I guess, how you're going.","start":420.3,"end":422.72,"sentiment":"neutral","sentiment_score":-0.13356172293424606},{"text":"Perfect.","start":430.94,"end":431.44,"sentiment":"neutral","sentiment_score":0.20907405018806455},{"text":"Alright.","start":432.325,"end":432.565,"sentiment":"neutral","sentiment_score":0.07169497013092041}],"sentiment":"neutral","sentiment_score":-0.24020831089685946,"num_words":68,"start":401.41998,"end":432.565},{"sentences":[{"text":"No.","start":432.565,"end":432.64502,"sentiment":"neutral","sentiment_score":0.05400807410478592},{"text":"That's that's really good.","start":432.64502,"end":433.685,"sentiment":"neutral","sentiment_score":0.1757727526128292},{"text":"So there may be yeah.","start":433.685,"end":434.965,"sentiment":"neutral","sentiment_score":-0.01815716363489628},{"text":"There it may be that during the underwriting, so during the actual application of the process or the of the policy, that that exclusion may not actually carry through.","start":434.965,"end":445.225,"sentiment":"neutral","sentiment_score":-0.10896733647276616},{"text":"But it's just in my documentation, I do have that it it's it's possible just because I know that that does exist.","start":446.49,"end":452.59,"sentiment":"neutral","sentiment_score":0.006557645699517293}],"sentiment":"neutral","sentiment_score":-0.038515922720315024,"num_words":61,"start":432.565,"end":452.59},{"sentences":[{"text":"Cool.","start":454.17,"end":454.67,"sentiment":"neutral","sentiment_score":0.16575105488300323},{"text":"Now aside from that, what I do wanna do is with your your current position, what I wanna recommend because your superannuation fund, while it is a retirement benefit, it does also form an estate benefit as well or possibly.","start":455.77,"end":475.765,"sentiment":"neutral","sentiment_score":0.06930944004561752},{"text":"So if anything happened to you, that money needs to be directed somewhere or can be directed somewhere.","start":476.96002,"end":483.30002,"sentiment":"neutral","sentiment_score":-0.10402580164372921},{"text":"Now what I recommend that because we the position you're in, you know, we don't have a spouse, that we actually look at getting a will drawn up, you could do that quite easily yourself or through a solicitor.","start":484.80002,"end":498.79498,"sentiment":"neutral","sentiment_score":0.14680130760639143},{"text":"It's either either way.","start":499.25497,"end":500.69498,"sentiment":"neutral","sentiment_score":0.15481779724359512}],"sentiment":"neutral","sentiment_score":0.07264888639945317,"num_words":102,"start":454.17,"end":500.69498},{"sentences":[{"text":"There are some really cool online platforms like Willed, w I, double l, e d, that are really cheap, and they can put a simple will in place for you.","start":500.69498,"end":511.35,"sentiment":"positive","sentiment_score":0.5265496204296748},{"text":"And what that would basically do is that would enable you to have an estate document that details not only your super, but it also dictates where any of your other assets go, such as the car and personal effects.","start":512.21,"end":525.335,"sentiment":"neutral","sentiment_score":0.28465770855545997},{"text":"Outside of that and the reason, I guess, I'm I'm I'm recommending that is because your superannuation fund will form part of your estate.","start":526.275,"end":536.615,"sentiment":"neutral","sentiment_score":0.1962369568645954},{"text":"So there's no nomination on the fund right now, and, automatically, it does form part of your estate if we don't nominate someone.","start":537.14996,"end":545.01,"sentiment":"neutral","sentiment_score":0.0706809394709442},{"text":"Now with the position that you're in and I I I know that you you're you're separated and and and going through divorce.","start":545.14996,"end":555.77496,"sentiment":"neutral","sentiment_score":-0.0012775029501189354}],"sentiment":"neutral","sentiment_score":0.23920544971312796,"num_words":140,"start":500.69498,"end":555.77496},{"sentences":[{"text":"I had to think of the word.","start":556.235,"end":557.115,"sentiment":"neutral","sentiment_score":-0.029597526948366846},{"text":"Sorry.","start":557.115,"end":557.51495,"sentiment":"neutral","sentiment_score":-0.06313274800777435},{"text":"I'm going through divorce.","start":557.51495,"end":558.495,"sentiment":"neutral","sentiment_score":-0.07081403024494648},{"text":"So it can so you don't have anyone that does fall under what's called the CIS Act, SIS, which is the superannuation legislation act that basically dictates who can receive superannuation benefits as a beneficiary nomination.","start":559.355,"end":580.40497,"sentiment":"neutral","sentiment_score":0.02173780855567505},{"text":"So, unfortunately, the government very much restrict who can be a nominated beneficiary in that in that scope.","start":582.70496,"end":589.20496,"sentiment":"negative","sentiment_score":-0.3698110009233157}],"sentiment":"neutral","sentiment_score":-0.09738800706426529,"num_words":66,"start":556.235,"end":589.20496},{"sentences":[{"text":"And I wanna make sure that, obviously, your money goes to whoever you're wanting it to go to.","start":589.665,"end":593.425,"sentiment":"neutral","sentiment_score":0.004143836597601573},{"text":"So if that's, you know, parents or siblings or just, you know, the mate down the road, that one can go to them.","start":593.425,"end":601.43,"sentiment":"neutral","sentiment_score":0.06792618609640909},{"text":"Yes.","start":611.265,"end":611.765,"sentiment":"neutral","sentiment_score":0.10122174024581908},{"text":"Yeah.","start":622.24,"end":622.72003,"sentiment":"neutral","sentiment_score":0.3306204676628113},{"text":"So a a will would enable you to do that.","start":622.72003,"end":625.06,"sentiment":"neutral","sentiment_score":0.3244572997093201}],"sentiment":"neutral","sentiment_score":0.100251066867473,"num_words":53,"start":589.665,"end":625.06},{"sentences":[{"text":"So a will, you could nominate your sister as the executor, which means that she would handle where all the funds go.","start":625.12,"end":632.515,"sentiment":"neutral","sentiment_score":0.27936465767296875},{"text":"And then you could nominate, you know, the beneficiaries to be the nieces and nephews.","start":632.73505,"end":636.35504,"sentiment":"neutral","sentiment_score":0.2802759567896525},{"text":"You know, if you had that really good mate and you really wanted him to have a watch or a car or whatever it is, then you could specifically nominate people to receive specific assets.","start":637.85504,"end":648.98,"sentiment":"neutral","sentiment_score":0.3180305153131485},{"text":"Or you can just say, sell everything and yeah.","start":650.08,"end":654.4,"sentiment":"neutral","sentiment_score":-0.047879654086298414},{"text":"That's yeah.","start":654.4,"end":657.60004,"sentiment":"neutral","sentiment_score":-0.012419389560818672}],"sentiment":"neutral","sentiment_score":0.2533189661531563,"num_words":83,"start":625.12,"end":657.60004},{"sentences":[{"text":"I mean, look, 13 year old getting them hands on money.","start":657.60004,"end":660.24,"sentiment":"neutral","sentiment_score":-0.03186106749556281},{"text":"I'm sure they'll spend it wisely at the lolly shop.","start":660.24,"end":668.075,"sentiment":"neutral","sentiment_score":0.0569440808147192},{"text":"I have a I I have a 13 year old as well.","start":671.975,"end":674.295,"sentiment":"neutral","sentiment_score":0.06970997030536334},{"text":"So yeah.","start":674.295,"end":674.77496,"sentiment":"neutral","sentiment_score":0.19979966431856155},{"text":"Absolutely.","start":674.77496,"end":675.27496,"sentiment":"positive","sentiment_score":0.376347303390503}],"sentiment":"neutral","sentiment_score":0.050873203927444086,"num_words":36,"start":657.60004,"end":675.27496},{"sentences":[{"text":"Apart from going to to for a walk to Coles, probably buying three or four bottles of soft drink.","start":675.815,"end":680.63,"sentiment":"neutral","sentiment_score":0.16321876762728943},{"text":"Yeah.","start":681.73,"end":682.05,"sentiment":"neutral","sentiment_score":0.24356067180633545},{"text":"It'd be his theme library would expand quite quite quickly, I think.","start":682.05,"end":686.55,"sentiment":"neutral","sentiment_score":0.2484650363524755},{"text":"Perfect.","start":692.145,"end":692.645,"sentiment":"positive","sentiment_score":0.64300137758255},{"text":"So, yeah, you're able to nominate nephew and and and that'll go through nicely on that side.","start":692.705,"end":698.405,"sentiment":"positive","sentiment_score":0.464029601391624}],"sentiment":"neutral","sentiment_score":0.297156045883894,"num_words":50,"start":675.815,"end":698.405},{"sentences":[{"text":"Yeah.","start":710.08,"end":710.4,"sentiment":"neutral","sentiment_score":0.1452900916337967},{"text":"No.","start":710.4,"end":710.88,"sentiment":"neutral","sentiment_score":0.032849330455064774},{"text":"Unfortunately, not.","start":710.88,"end":712.10004,"sentiment":"neutral","sentiment_score":0.05568801052868366},{"text":"So yeah.","start":713.44,"end":713.84,"sentiment":"neutral","sentiment_score":0.11352512985467911},{"text":"And it and it just it prevents the fights from happening as well.","start":713.84,"end":716.82,"sentiment":"neutral","sentiment_score":0.17834668764128134}],"sentiment":"neutral","sentiment_score":0.14921434958906551,"num_words":19,"start":710.08,"end":716.82},{"sentences":[{"text":"You know, if there's other siblings or other people and, you know, it just restricts the fighting.","start":717.575,"end":723.195,"sentiment":"neutral","sentiment_score":-0.15968610171009512},{"text":"Look.","start":723.495,"end":723.735,"sentiment":"neutral","sentiment_score":-0.07493746280670166},{"text":"I do have clients that go, I'm dead.","start":723.735,"end":725.815,"sentiment":"neutral","sentiment_score":-0.14111611992120743},{"text":"I don't care.","start":725.815,"end":726.555,"sentiment":"neutral","sentiment_score":-0.28465818365414935},{"text":"And that's fair enough if you wanna take that stance on it.","start":726.935,"end":731.93,"sentiment":"neutral","sentiment_score":-0.04053620963046948}],"sentiment":"neutral","sentiment_score":-0.12826681018966,"num_words":41,"start":717.575,"end":731.93},{"sentences":[{"text":"But my recommendation is that we do obviously document everything properly.","start":732.47,"end":736.08997,"sentiment":"neutral","sentiment_score":0.08105304904959419},{"text":"Yeah.","start":746.125,"end":746.625,"sentiment":"neutral","sentiment_score":-0.09403890371322632},{"text":"Yes.","start":749.085,"end":749.585,"sentiment":"neutral","sentiment_score":-0.018551768735051155},{"text":"And those estates yeah.","start":749.805,"end":753.72504,"sentiment":"neutral","sentiment_score":-0.08860262716189027},{"text":"And the poll and and estates get eaten into real quickly, unfortunately.","start":753.72504,"end":758.06,"sentiment":"negative","sentiment_score":-0.44159768894314766}],"sentiment":"neutral","sentiment_score":-0.16808930720234738,"num_words":29,"start":732.47,"end":758.06},{"sentences":[{"text":"That's perfect.","start":761.08,"end":761.82,"sentiment":"positive","sentiment_score":0.6247137188911438},{"text":"Well, that's pretty much the everything that I wanted to run through and talk about and and, I guess, we could just explain to you.","start":761.88,"end":769.365,"sentiment":"neutral","sentiment_score":0.2023167657852173},{"text":"Did you have any questions at all about where the advice is, why the advice is, what the advice is, or where everything fits?","start":769.605,"end":778.90497,"sentiment":"neutral","sentiment_score":0.005474420031532645},{"text":"Yep.","start":783.86,"end":784.34,"sentiment":"neutral","sentiment_score":0.05770682543516159},{"text":"Alright.","start":784.34,"end":784.84,"sentiment":"neutral","sentiment_score":0.22373279929161072}],"sentiment":"neutral","sentiment_score":0.12679570354521275,"num_words":53,"start":761.08,"end":784.84},{"sentences":[{"text":"Perfect.","start":784.9,"end":785.4,"sentiment":"positive","sentiment_score":0.400506854057312},{"text":"Well, I guess, in terms of of moving forward, there is in the statement of a draft document, it's, like, second to last page, So page 40.","start":786.02,"end":798.035,"sentiment":"neutral","sentiment_score":0.02619368593311972},{"text":"I know.","start":798.09503,"end":798.575,"sentiment":"neutral","sentiment_score":-0.0864039696753025},{"text":"Ridiculous.","start":798.575,"end":799.075,"sentiment":"negative","sentiment_score":-0.47456541657447815},{"text":"So many pages.","start":799.135,"end":800.035,"sentiment":"neutral","sentiment_score":-0.1597862591346105}],"sentiment":"neutral","sentiment_score":-0.0005586987963932403,"num_words":34,"start":784.9,"end":800.035},{"sentences":[{"text":"There's basically a how to implement the advice.","start":802.015,"end":805.155,"sentiment":"neutral","sentiment_score":0.08554194518364966},{"text":"So it's a nice and easy step by step just to make it easy as to how we're doing everything.","start":805.375,"end":812.03,"sentiment":"positive","sentiment_score":0.4261571004986763},{"text":"So step one is, you know, you just need to review.","start":813.93,"end":817.87,"sentiment":"neutral","sentiment_score":0.17395015738227151},{"text":"And if you agree with the advice, sign the documentation authorizing us to implement.","start":818.17004,"end":822.43,"sentiment":"neutral","sentiment_score":0.17529793615852082},{"text":"After that, we basically take care of everything else.","start":822.865,"end":825.365,"sentiment":"neutral","sentiment_score":0.18225778887669244}],"sentiment":"neutral","sentiment_score":0.24541000820576184,"num_words":62,"start":802.015,"end":825.365},{"sentences":[{"text":"The only thing I need to do is basically book you in with Jack who does all my insurance applications, and he will basically be able to hold you hold your hands through all the questions and make it as easy as possible for you so we can get that insurance in play.","start":826.305,"end":842.29,"sentiment":"neutral","sentiment_score":0.30956338430350683},{"text":"Cool.","start":846.27,"end":846.77,"sentiment":"positive","sentiment_score":0.6570016145706177},{"text":"Did you wanna book the appointment now, or do you wanna take your time, read the documents, and then come back to me?","start":846.91003,"end":851.97003,"sentiment":"neutral","sentiment_score":0.2631074378023977},{"text":"Yeah.","start":860.805,"end":861.20496,"sentiment":"neutral","sentiment_score":0.26294562220573425},{"text":"Absolutely.","start":861.20496,"end":861.70496,"sentiment":"positive","sentiment_score":0.4116753935813904}],"sentiment":"neutral","sentiment_score":0.3011386464290981,"num_words":79,"start":826.305,"end":861.70496},{"sentences":[{"text":"You tell me a time, and I'll make it work in Jack's calendar.","start":862.64496,"end":865.46497,"sentiment":"neutral","sentiment_score":0.2902328073978424},{"text":"Absolutely.","start":875.68,"end":876.16003,"sentiment":"neutral","sentiment_score":0.07063879072666168},{"text":"Cool.","start":876.16003,"end":876.66003,"sentiment":"neutral","sentiment_score":0.08806425333023071},{"text":"Let's cool.","start":876.8,"end":881.315,"sentiment":"neutral","sentiment_score":0.18863530084490776},{"text":"Do you wanna just do Tuesday fourteenth, 9AM?","start":881.375,"end":884.755,"sentiment":"neutral","sentiment_score":0.10143027734011412}],"sentiment":"neutral","sentiment_score":0.2048176944255829,"num_words":25,"start":862.64496,"end":884.755},{"sentences":[{"text":"Alright.","start":888.815,"end":889.215,"sentiment":"neutral","sentiment_score":0.32620787620544434},{"text":"Perfect.","start":889.215,"end":889.715,"sentiment":"positive","sentiment_score":0.4986389279365539},{"text":"What I'll do is I'll I'll actually invite you into it that way it pops up in your calendar so you don't forget to no.","start":889.93506,"end":898.05005,"sentiment":"neutral","sentiment_score":0.2253760179877281},{"text":"That's okay.","start":898.05005,"end":898.85004,"sentiment":"neutral","sentiment_score":0.06781871989369392},{"text":"Perfect.","start":898.85004,"end":899.35004,"sentiment":"neutral","sentiment_score":0.2678098678588867}],"sentiment":"neutral","sentiment_score":0.22875648538271587,"num_words":30,"start":888.815,"end":899.35004},{"sentences":[{"text":"Well, you have the documents with you.","start":899.41003,"end":901.19,"sentiment":"neutral","sentiment_score":-0.07010306630815778},{"text":"They may be in your spam folder.","start":901.25,"end":902.87006,"sentiment":"neutral","sentiment_score":-0.2370487196104867},{"text":"I don't believe you've had a had a request we changed over to a new, like, they're called CRMs, but it's basically our data system.","start":902.93005,"end":911.025,"sentiment":"neutral","sentiment_score":-0.11671132758259774},{"text":"So it is all, like, our our file notes, like, your your data, and the signing system is all wrapped into one.","start":912.125,"end":920.60504,"sentiment":"neutral","sentiment_score":0.024339864877137272},{"text":"We don't use DocuSign anymore.","start":920.60504,"end":922.22504,"sentiment":"neutral","sentiment_score":-0.2107938438653946}],"sentiment":"neutral","sentiment_score":-0.08464148307614254,"num_words":66,"start":899.41003,"end":922.22504},{"sentences":[{"text":"So it may be in your spam folder because you've never received an email from the system.","start":922.91,"end":926.76996,"sentiment":"neutral","sentiment_score":-0.2310076390995699},{"text":"But just have a look.","start":927.70996,"end":928.50995,"sentiment":"neutral","sentiment_score":-0.03826936520636082},{"text":"If you have any issues Yeah.","start":928.50995,"end":936.545,"sentiment":"neutral","sentiment_score":0.03325860140224298},{"text":"Perfect.","start":941.005,"end":941.505,"sentiment":"positive","sentiment_score":0.49543753266334534},{"text":"Good.","start":941.565,"end":942.045,"sentiment":"positive","sentiment_score":0.6397362947463989}],"sentiment":"neutral","sentiment_score":-0.09279170849670966,"num_words":30,"start":922.91,"end":942.045},{"sentences":[{"text":"No.","start":942.045,"end":942.365,"sentiment":"neutral","sentiment_score":0.2161303013563156},{"text":"Yeah.","start":942.365,"end":942.865,"sentiment":"neutral","sentiment_score":0.2665053606033325},{"text":"Oh, yeah.","start":945.245,"end":946.045,"sentiment":"neutral","sentiment_score":0.2617960274219513},{"text":"I tell you about it all the time.","start":946.045,"end":947.505,"sentiment":"positive","sentiment_score":0.3364511877298355},{"text":"Perfect.","start":950.07996,"end":950.48,"sentiment":"positive","sentiment_score":0.5692408084869385}],"sentiment":"neutral","sentiment_score":0.32823677131762874,"num_words":13,"start":942.045,"end":950.48},{"sentences":[{"text":"Well, I will I'll get that booked into Jack's calendar.","start":950.48,"end":953.06,"sentiment":"positive","sentiment_score":0.35688760280609133},{"text":"And if there's any questions or issues, Jack can address them on Tuesday, or I'll be able to jump on the phone during that meeting and have a chat.","start":953.36,"end":960.66,"sentiment":"neutral","sentiment_score":0.23008752845484634},{"text":"Awesome.","start":963.935,"end":964.435,"sentiment":"positive","sentiment_score":0.7981263399124146},{"text":"Perfect.","start":964.575,"end":965.055,"sentiment":"positive","sentiment_score":0.719296395778656},{"text":"Well, we'll talk to you then.","start":965.055,"end":966.755,"sentiment":"positive","sentiment_score":0.42846712470054626}],"sentiment":"neutral","sentiment_score":0.30488595398182566,"num_words":47,"start":950.48,"end":966.755},{"sentences":[{"text":"Thanks, Ben.","start":969.855,"end":970.575,"sentiment":"positive","sentiment_score":0.751619279384613},{"text":"Have a great day.","start":970.575,"end":971.555,"sentiment":"positive","sentiment_score":0.6379692703485489},{"text":"Bye.","start":973.935,"end":974.435,"sentiment":"neutral","sentiment_score":-0.0994558036327362}],"sentiment":"positive","sentiment_score":0.5650942623615265,"num_words":7,"start":969.855,"end":974.435}]}}]},{"alternatives":[{"transcript":"Hello. This is Ben speaking. Hello? Hi. Alright. How are you going? No. It's in a really bad reception here where I am at the moment. I'm just trying to move to something better, but Well, I need delayed text messages. Yeah. So, like, I had a whole month that came through last night. I was like, that's our customer's gonna have to call tomorrow because I didn't even know they contacted me. Yeah. Yeah. It was. Yes. Yep. Oh, thank you. Thank you. Yep. Yes. Yeah. That's all good, ma'am. Yeah. Yep. Yes. Yep. Mhmm. Right. Yep. Mhmm. Yep. Right. Yeah. Okay. Yep. Yeah. Yeah. No. I said that's fair enough. Yep. Yep. Sure. I'll be looking to ask about that, I think. Yep. Yep. Yep. Okay. Yes. Yep. Mhmm. Yeah. Okay. Well, I've been calling well at the moment. I haven't been with PTO in the last four, twelve, eight, eight months, so I haven't been able to get anything. Yeah. Yeah. Yeah. No. That's good. Yeah. Yeah. Mhmm. Yep. Yes. Yes. Yes. Yeah. Yeah. No. It's it's very good at my parents. They're still all to go to my my nephews, nieces. But if not, then it'll be going to my sister. She'll she's the best one. Well, one of my sisters, anyway, she's the best one to manage that, disseminate it, and she's the one I trust most. Yeah. Yeah. They're they're they're all on the third aid at the moment. Alright. The first thing I need to do first thing I need to do is buy the biggest gaming computer I can possibly buy, the most expensive one. Yes. Yes. Yeah. Yeah. Exactly. Yeah. Yeah. No. That's but but yeah. Well, that that is something I do wanna do because I wanna make sure that that is taken care of in case something does happen to me. Because it's not like I can deal with it after. Yeah. Yes. I I know I remember when my grandmother passed away. That was a bit of a nightmare because she didn't have a will, and there's a lot of fighting between the United. They've had kids there once. So, yes, I remember how bad that was. And that would mean her policy is that she goes, oh, damn. It doesn't bother me. Yes. It is. Mhmm. No. No. No. I didn't didn't didn't have the question today. Yeah. Yes. Okay. Yep. Okay. Sounds good. We'll we'll book the appointment now because I'll I will read the documents, but we'll book it now. Is there any time next week I'll wake up Just checking my calendar. I can probably do pretty much for anytime Tuesday, if I look for that. Anytime Tuesday or Wednesday next week. From between nine and, you know, five thirty. Well, nine and six. Yeah. That's fine. Yeah. Yeah. That's fine. Yeah. Yeah. Thank you. Yeah. Yep. Yeah. Okay. Yeah. Yeah. Yeah. Okay. So I'll have a look because well, because it well, like, I'm one of the IT companies, so I have our email security is fairly high. So I I always check my junk, but it's damn faulted. Your stuff always nice and then that's legitimate. Okay. Sounds good. Alright. Sounds good. Thank you very much. Okay. Bye. 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This is Ben speaking. Hello? Hi. Alright.\n\nHow are you going? No. It's in a really bad reception here where I am at the moment. I'm just trying to move to something better, but Well, I need delayed text messages. Yeah.\n\nSo, like, I had a whole month that came through last night. I was like, that's our customer's gonna have to call tomorrow because I didn't even know they contacted me. Yeah. Yeah. It was.\n\nYes. Yep. Oh, thank you. Thank you. Yep.\n\nYes. Yeah. That's all good, ma'am. Yeah. Yep.\n\nYes. Yep. Mhmm. Right. Yep.\n\nMhmm. Yep. Right. Yeah. Okay.\n\nYep. Yeah. Yeah. No. I said that's fair enough.\n\nYep. Yep. Sure. I'll be looking to ask about that, I think. Yep.\n\nYep. Yep. Okay. Yes. Yep.\n\nMhmm. Yeah. Okay. Well, I've been calling well at the moment. I haven't been with PTO in the last four, twelve, eight, eight months, so I haven't been able to get anything.\n\nYeah. Yeah. Yeah. No. That's good.\n\nYeah. Yeah. Mhmm. Yep. Yes.\n\nYes. Yes. Yeah. Yeah. No.\n\nIt's it's very good at my parents. They're still all to go to my my nephews, nieces. But if not, then it'll be going to my sister. She'll she's the best one. Well, one of my sisters, anyway, she's the best one to manage that, disseminate it, and she's the one I trust most.\n\nYeah. Yeah. They're they're they're all on the third aid at the moment. Alright. The first thing I need to do first thing I need to do is buy the biggest gaming computer I can possibly buy, the most expensive one.\n\nYes. Yes. Yeah. Yeah. Exactly.\n\nYeah. Yeah. No. That's but but yeah. Well, that that is something I do wanna do because I wanna make sure that that is taken care of in case something does happen to me.\n\nBecause it's not like I can deal with it after. Yeah. Yes. I I know I remember when my grandmother passed away. That was a bit of a nightmare because she didn't have a will, and there's a lot of fighting between the United.\n\nThey've had kids there once. So, yes, I remember how bad that was. And that would mean her policy is that she goes, oh, damn. It doesn't bother me. Yes.\n\nIt is. Mhmm. No. No. No.\n\nI didn't didn't didn't have the question today. Yeah. Yes. Okay. Yep.\n\nOkay. Sounds good. We'll we'll book the appointment now because I'll I will read the documents, but we'll book it now. Is there any time next week I'll wake up Just checking my calendar. I can probably do pretty much for anytime Tuesday, if I look for that.\n\nAnytime Tuesday or Wednesday next week. From between nine and, you know, five thirty. Well, nine and six. Yeah. That's fine.\n\nYeah. Yeah. That's fine. Yeah. Yeah.\n\nThank you. Yeah. Yep. Yeah. Okay.\n\nYeah. Yeah. Yeah. Okay. So I'll have a look because well, because it well, like, I'm one of the IT companies, so I have our email security is fairly high.\n\nSo I I always check my junk, but it's damn faulted. Your stuff always nice and then that's legitimate. Okay. Sounds good. Alright.\n\nSounds good. 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didn't didn't have the question today.","start":780.26,"end":782.36005,"sentiment":"neutral","sentiment_score":-0.24911309033632278},{"text":"Yeah.","start":802.07996,"end":802.57996,"sentiment":"neutral","sentiment_score":0.006192367523908615},{"text":"Yes.","start":823.08997,"end":823.58997,"sentiment":"neutral","sentiment_score":0.1343603879213333},{"text":"Okay.","start":843.505,"end":843.585,"sentiment":"neutral","sentiment_score":0.24265706539154053},{"text":"Yep.","start":843.585,"end":843.905,"sentiment":"neutral","sentiment_score":0.27155801653862}],"sentiment":"neutral","sentiment_score":-0.11151140710959832,"num_words":12,"start":780.26,"end":843.905},{"sentences":[{"text":"Okay.","start":843.905,"end":844.145,"sentiment":"positive","sentiment_score":0.4203481674194336},{"text":"Sounds good.","start":844.145,"end":844.77,"sentiment":"positive","sentiment_score":0.7220164835453033},{"text":"We'll we'll book the appointment now because I'll I will read the documents, but we'll book it now.","start":852.77,"end":857.43,"sentiment":"neutral","sentiment_score":0.24129322585132387},{"text":"Is there any time next week I'll wake up Just checking my calendar.","start":857.49,"end":867.675,"sentiment":"neutral","sentiment_score":0.16663687962752122},{"text":"I can probably do pretty much for anytime Tuesday, if I look for that.","start":867.735,"end":872.375,"sentiment":"neutral","sentiment_score":0.3320146958742823}],"sentiment":"neutral","sentiment_score":0.2712946745256583,"num_words":48,"start":843.905,"end":872.375},{"sentences":[{"text":"Anytime Tuesday or Wednesday next week.","start":872.375,"end":874.29,"sentiment":"neutral","sentiment_score":0.14510982980330786},{"text":"From between nine and, you know, five thirty.","start":875.49,"end":877.41,"sentiment":"neutral","sentiment_score":0.06865450972691178},{"text":"Well, nine and 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I'll have a look because well, because it well, like, I'm one of the IT companies, so I have our email security is fairly high.","start":928.43,"end":935.00995,"sentiment":"neutral","sentiment_score":0.030983249441935465}],"sentiment":"neutral","sentiment_score":0.021938489812115828,"num_words":30,"start":923.115,"end":935.00995},{"sentences":[{"text":"So I I always check my junk, but it's damn faulted.","start":936.43,"end":939.32996,"sentiment":"neutral","sentiment_score":-0.0466421591964635},{"text":"Your stuff always nice and then that's legitimate.","start":940.845,"end":942.785,"sentiment":"positive","sentiment_score":0.4939705803990364},{"text":"Okay.","start":961.1,"end":961.58,"sentiment":"positive","sentiment_score":0.43475788831710815},{"text":"Sounds 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This is Ben speaking.\n\nChannel 0: Hi,\n\nChannel 1: Hello?\n\nChannel 0: Ben. Larissa\n\nChannel 1: Hi.\n\nChannel 0: from Oaktree Larissa from Oaktree Financial. How are you going?\n\nChannel 1: Alright. How are you going?\n\nChannel 0: Good. Sorry about the fall. I don't think the call connected properly. I'm not sure.\n\nChannel 1: No. It's in a really bad reception here where I am at the moment. I'm just trying to move to something better, but\n\nChannel 0: No. That's okay. Did you, actually, did you get affected by the Telstra outages yesterday?\n\nChannel 1: Well, I need delayed text messages. Yeah. So, like,\n\nChannel 0: Oh,\n\nChannel 1: I had\n\nChannel 0: who\n\nChannel 1: a whole\n\nChannel 0: wants\n\nChannel 1: month\n\nChannel 0: them\n\nChannel 1: that\n\nChannel 0: anyway?\n\nChannel 1: came through last night. I was like, that's our customer's gonna have to call tomorrow because I didn't even know they contacted me.\n\nChannel 0: Yeah. It was\n\nChannel 1: Yeah.\n\nChannel 0: a\n\nChannel 1: Yeah. It\n\nChannel 0: it was fun.\n\nChannel 1: was.\n\nChannel 0: Anyway, I will keep this short and sweet.\n\nChannel 1: Yes.\n\nChannel 0: But the reason for my call was to follow-up from our conversation a few weeks ago just\n\nChannel 1: Yep.\n\nChannel 0: with reference to,\n\nChannel 1: Oh, thank you.\n\nChannel 0: obviously, the insurance application. And I also had a look into making some amendments to\n\nChannel 1: Thank\n\nChannel 0: your\n\nChannel 1: you.\n\nChannel 0: superannuation investments as well as we did discuss briefly just to, you know, make sure that if there were any amendments or anything that we could do that we obviously looked into them. Now when I went through and had a look, the insurance came out the exact same. So there was no changes to the, like, premium or anything like that, which was good.\n\nChannel 1: Yep.\n\nChannel 0: I obviously just needed to make sure that, you know, if any of the providers that we were looking into had changed their products that we obviously took that into consideration. Obviously, since I spoke to you last over the last few weeks, you would have paid out that last little bit of car loan.\n\nChannel 1: Yes. Yeah. That's all good, ma'am.\n\nChannel 0: Yeah. Which is fantastic. Good. So with that one being all paid out, that's obviously a breath of fresh air.\n\nChannel 1: Yeah.\n\nChannel 0: But it obviously increases your cash flow a little bit, which is good. I\n\nChannel 1: Yep.\n\nChannel 0: still recommended that we keep to the $50 per week salary sacrifice arrangement. So no\n\nChannel 1: Yes.\n\nChannel 0: changes there even, like, you although you now have, you know, sort of the extra money that from the from no longer paying the car loan out.\n\nChannel 1: Yep.\n\nChannel 0: I don't wanna increase the salary sacrifice arrangement or anything like that. I wanna keep it as is. So the advice that I'm giving really is in three parts. First is that I want to keep your hub twenty four superannuation fund. I want to just make some really slight movements to the investments that you hold.\n\nNow currently, you hold two they're they're just they're two funds. So one is a Benelon Australian Equity Fund, and it's just not pulling its weight. And that's what it really comes down to is it's just not pulling its weight the way that I would want it to pull its weight. So I just wanna swap it out for another Australian equity. Then along just their high conviction fund, and the fund just isn't doing what I want it to do.\n\nChannel 1: Mhmm. Right.\n\nChannel 0: The\n\nChannel 1: Yep.\n\nChannel 0: other one is it's a banking hybrid that you hold. Now banking hybrids are actually being phased out over the next few years.\n\nChannel 1: Mhmm.\n\nChannel 0: So I just wanna obviously move you out of that now before they're phased out and you've moved into a fund that is chosen for you and not chosen by us. Like, you know, we're obviously managing it. We wanna make sure that there's oversight that we're looking at everything properly.\n\nChannel 1: Yep.\n\nChannel 0: So what I wanna do is just move your funds into a core composite bond. So nothing, you know, too drastic. We're just moving some of the funds over that way,\n\nChannel 1: Right.\n\nChannel 0: and and you'll hold money there. So nothing too major on that front. Just two of the investments you currently hold, I just wanna rediversify them out and move them across to other holdings within the same class realistically and and and truthfully because the Benelong does have a bit of a hefty fee behind it, I'm actually reducing the fee by about a $165 by moving our money over to our other Australian equity.\n\nChannel 1: Yeah.\n\nChannel 0: So it's\n\nChannel 1: Okay.\n\nChannel 0: gonna cost you cheap like, it's gonna be cheaper in cost by doing these investment changes, which is nice. Obviously, more money compounding does a lot better,\n\nChannel 1: Yep.\n\nChannel 0: and the historical growth rate of this portfolio sits a lot better as well. So it's all all all coming up now, I guess. It's a win win.\n\nChannel 1: Yeah. Yeah. No. I said that's fair enough.\n\nChannel 0: Perfect. Now aside from that, the second part is obviously the salary sacrifice. As we spoke about a few weeks ago, my team will draw up a letter for you to send off to the accountant. So that way, the accountant can start including those in when they're paying, you know, your super\n\nChannel 1: Yep.\n\nChannel 0: contributions.\n\nChannel 1: Yep. Sure. I'll be looking to ask\n\nChannel 0: So that\n\nChannel 1: about\n\nChannel 0: way,\n\nChannel 1: that, I\n\nChannel 0: it's\n\nChannel 1: think.\n\nChannel 0: all taken care of. Well, it's a letter for you to remind yourself.\n\nChannel 1: Yep.\n\nChannel 0: So yeah. So I'll I'll still we'll still draw it up and and send that to you, but it's just basically when you when you're accruing your your your super contributions, you'll just basically deduct from your wage and and add that across to your super fund. The\n\nChannel 1: Yep.\n\nChannel 0: cool thing is is it reduces down on the tax you pay overall and and just gives you a a a bit of a bump to your super funds offsetting the insurance recommendation on\n\nChannel 1: Yep.\n\nChannel 0: that side.\n\nChannel 1: Okay.\n\nChannel 0: Now the insurances, we I've kept the same. It's still the same provider, one pass, So no changes on that front. Still looking at the total permanent disability and the income protection, so it covers you if, you know, you're not able to work. And that's the biggest part is that if you're not able to work, you're you you have that cover.\n\nChannel 1: Yes.\n\nChannel 0: Nice and cheap. It's coming in at basically $2,530 a year. Pending how the application goes. So following our conversation today, I've sent you documents already that I need you to look at and sign. Even though I'm explaining them, I still want you to go through and read them.\n\nChannel 1: Yep.\n\nChannel 0: What I need to do is book you in with one of my team to go through the actual application for the insurance. I suspect it's very highly likely that because you have a preexisting back condition and pending how that's still going, that you could end up with a back exclusion on the policy.\n\nChannel 1: Mhmm.\n\nChannel 0: Now if your back's great, you've had no niggles, pains, or anything like that in quite a while, then that may not actually eventuate. It's just all dependent on, I guess, how you're going.\n\nChannel 1: Yeah. Okay. Well, I've been calling well at the moment. I haven't been with PTO in the last four, twelve, eight, eight months, so I haven't been able to get anything.\n\nChannel 0: Perfect. Alright. No. That's that's really good. So there may be yeah.\n\nThere it may be that during the underwriting, so during the actual application of the process or the of the policy, that that exclusion may not actually carry through. But it's just in my documentation, I do have that it it's it's possible\n\nChannel 1: Yeah.\n\nChannel 0: just\n\nChannel 1: Yeah.\n\nChannel 0: because\n\nChannel 1: Yeah.\n\nChannel 0: I\n\nChannel 1: No.\n\nChannel 0: know\n\nChannel 1: That's\n\nChannel 0: that that\n\nChannel 1: good.\n\nChannel 0: does exist.\n\nChannel 1: Yeah.\n\nChannel 0: Cool. Now aside from that, what I do wanna do is with your your current position, what I wanna recommend because your superannuation fund, while it is a retirement benefit, it does also form an estate benefit as well or possibly. So if anything happened to you, that money needs to be directed somewhere or can be directed somewhere.\n\nChannel 1: Yeah.\n\nChannel 0: Now what I recommend that because we the position you're in, you know, we don't have a spouse, that we actually look at getting a will drawn up, you could\n\nChannel 1: Mhmm.\n\nChannel 0: do that quite easily yourself or through a solicitor. It's either either way. There are some really cool online platforms like Willed, w I, double l, e d,\n\nChannel 1: Yep.\n\nChannel 0: that are really cheap, and they can put a simple will in place for you. And what that would basically do is that would enable you to have an estate document that details not only your super, but it also dictates where any of your other assets go, such as the car and personal effects. Outside of that and the reason, I guess, I'm I'm I'm recommending that is because your superannuation fund will form part of your estate. So\n\nChannel 1: Yes.\n\nChannel 0: there's no nomination on the fund right now, and, automatically, it does form part of your estate if we don't nominate someone. Now with the position that you're in and I I I know that you you're you're separated and and\n\nChannel 1: Yes.\n\nChannel 0: and going through divorce. I had to think of the word. Sorry. I'm going through divorce. So it can so you don't have anyone that does fall under what's called the CIS Act, SIS,\n\nChannel 1: Yes.\n\nChannel 0: which is the superannuation legislation act that basically dictates who can receive superannuation benefits as a beneficiary nomination. So, unfortunately, the government very much restrict who can be a nominated beneficiary in that in that scope. And I wanna make sure that, obviously, your money goes to whoever you're wanting it to go to. So if that's, you know, parents or siblings or just, you know, the mate down the road, that one can go to them.\n\nChannel 1: Yeah. Yeah. No. It's it's very good at my parents. They're still all to go to my my nephews, nieces.\n\nBut if not,\n\nChannel 0: Yes.\n\nChannel 1: then it'll be going to my sister. She'll she's the best one. Well, one of my sisters, anyway, she's the best one to manage that, disseminate it, and she's the one I trust most.\n\nChannel 0: Yeah. So a a will would enable you to do that. So a will, you could nominate your sister as the executor, which means that she would handle where all the funds go. And then you could nominate, you know, the beneficiaries to be the nieces and nephews. You know, if you had that really good mate and you really wanted him to have a watch or a car or whatever it is, then you could specifically nominate people to receive specific assets.\n\nChannel 1: Yeah. Yeah. They're\n\nChannel 0: Or\n\nChannel 1: they're\n\nChannel 0: you can\n\nChannel 1: they're\n\nChannel 0: just\n\nChannel 1: all on\n\nChannel 0: say,\n\nChannel 1: the third aid\n\nChannel 0: sell\n\nChannel 1: at\n\nChannel 0: everything\n\nChannel 1: the moment.\n\nChannel 0: and yeah. That's yeah. I mean, look, 13 year old getting them hands on money. I'm sure they'll spend it wisely at the lolly\n\nChannel 1: Alright. The first thing I need to do first thing I need to do is buy the biggest gaming computer I\n\nChannel 0: shop.\n\nChannel 1: can possibly buy, the most expensive one.\n\nChannel 0: I have a I I have a 13 year old as well. So yeah. Absolutely. Apart from going to to for a walk to Coles, probably buying three or four bottles of soft drink. Yeah.\n\nIt'd be his theme library would expand quite quite quickly, I think.\n\nChannel 1: Yes. Yes. Yeah. Yeah. Exactly.\n\nChannel 0: Perfect. So, yeah, you're able to nominate nephew and and and that'll go through nicely on that side.\n\nChannel 1: Yeah. Yeah. No. That's but but yeah. Well, that that is something I do wanna do because I wanna make sure that that is taken care of in case something does happen to me.\n\nBecause it's not like I can deal with it after.\n\nChannel 0: Yeah. No. Unfortunately, not. So yeah. And it and it just it prevents the fights from happening as well.\n\nYou know, if there's other siblings or other people and, you know, it just restricts the fighting. Look. I\n\nChannel 1: Yeah.\n\nChannel 0: do have clients that go, I'm dead. I don't care. And that's fair enough if you wanna take that stance on it. But my recommendation is that we do obviously document everything properly.\n\nChannel 1: Yes. I I know I remember when my grandmother passed away. That was a bit of a nightmare because she didn't have a will, and there's a lot of fighting between the United. They've had kids there once. So, yes, I remember how\n\nChannel 0: Yeah.\n\nChannel 1: bad that was. And that\n\nChannel 0: Yes.\n\nChannel 1: would mean her policy\n\nChannel 0: And\n\nChannel 1: is\n\nChannel 0: those\n\nChannel 1: that she\n\nChannel 0: estates\n\nChannel 1: goes, oh, damn. It doesn't bother me.\n\nChannel 0: yeah. And the poll and and estates get eaten into real quickly, unfortunately.\n\nChannel 1: Yes. It is.\n\nChannel 0: That's perfect. Well, that's pretty much the everything that I wanted to run through and talk about and and, I guess, we could just explain to you. Did you have\n\nChannel 1: Mhmm.\n\nChannel 0: any questions at all about where the advice is, why the advice is, what the advice is, or where everything fits?\n\nChannel 1: No. No. No. I didn't didn't didn't have the question today.\n\nChannel 0: Yep. Alright. Perfect. Well, I guess, in terms of of moving forward, there is in the statement of a draft document, it's, like, second to last page, So page 40. I know.\n\nRidiculous. So many pages. There's\n\nChannel 1: Yeah.\n\nChannel 0: basically a how to implement the advice. So it's a nice and easy step by step just to make it easy as to how we're doing everything. So step one is, you know, you just need to review. And if you agree with the advice, sign the documentation authorizing us to implement. After\n\nChannel 1: Yes.\n\nChannel 0: that, we basically take care of everything else. The only thing I need to do is basically book you in with Jack who does all my insurance applications, and he will basically be able to hold you hold your hands through all the questions and make it as easy as possible for you so we can get that insurance in play.\n\nChannel 1: Okay. Yep. Okay. Sounds good.\n\nChannel 0: Cool. Did you wanna book the appointment now, or do you wanna take your time, read the documents, and then come back to me?\n\nChannel 1: We'll we'll book the appointment now because I'll I will read the documents, but we'll book it now. Is there any time next week I'll wake up\n\nChannel 0: Yeah. Absolutely. You tell me a time, and I'll make it work in Jack's calendar.\n\nChannel 1: Just checking my calendar. I can probably do pretty much for anytime Tuesday, if I look for that. Anytime Tuesday or Wednesday next week. From\n\nChannel 0: Absolutely.\n\nChannel 1: between nine\n\nChannel 0: Cool.\n\nChannel 1: and, you know, five\n\nChannel 0: Let's\n\nChannel 1: thirty. Well, nine and six. Yeah. That's fine.\n\nChannel 0: cool. Do you wanna just do Tuesday fourteenth, 9AM?\n\nChannel 1: Yeah. Yeah. That's fine.\n\nChannel 0: Alright. Perfect. What I'll do is I'll I'll actually invite you into it that way it pops up in your calendar so you don't forget\n\nChannel 1: Yeah. Yeah. Thank you.\n\nChannel 0: to no. That's okay. Perfect. Well, you have the documents with you. They may be in your spam folder.\n\nI don't believe you've had a had a request we changed over to a new, like, they're called CRMs, but it's basically our data system.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: So it is all, like, our our file notes, like, your your data, and the signing system is all wrapped into one. We don't use DocuSign anymore.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: So it\n\nChannel 1: Yeah.\n\nChannel 0: may be in your spam folder because you've never received an email from the system.\n\nChannel 1: Yeah. Yeah. Okay.\n\nChannel 0: But just have a look.\n\nChannel 1: So\n\nChannel 0: If\n\nChannel 1: I'll\n\nChannel 0: you\n\nChannel 1: have\n\nChannel 0: have\n\nChannel 1: a look\n\nChannel 0: any issues\n\nChannel 1: because well, because it well, like, I'm one of the IT companies, so I have our email security is fairly high.\n\nChannel 0: Yeah.\n\nChannel 1: So I I always check my junk, but it's damn faulted. Your\n\nChannel 0: Perfect.\n\nChannel 1: stuff always\n\nChannel 0: Good.\n\nChannel 1: nice and then that's\n\nChannel 0: No.\n\nChannel 1: legitimate.\n\nChannel 0: Yeah. Oh, yeah. I tell you about it all the time. Perfect. Well, I will I'll get that booked into Jack's calendar.\n\nAnd if there's any questions or issues, Jack can address them on Tuesday, or I'll be able to jump on the phone during that meeting and have a chat.\n\nChannel 1: Okay. Sounds good.\n\nChannel 0: Awesome. Perfect. Well, we'll talk to you then.\n\nChannel 1: Alright. Sounds good. Thank you very much.\n\nChannel 0: Thanks, Ben. Have a great\n\nChannel 1: Okay.\n\nChannel 0: day.\n\nChannel 1: Bye. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.04,"end":1.4399999,"sentiment":"neutral","sentiment_score":0.026705864816904068},{"text":"This is Ben speaking.","start":1.4399999,"end":2.5,"sentiment":"neutral","sentiment_score":0.024085582699626684}],"sentiment":"neutral","sentiment_score":0.02460963912308216,"channel":1,"num_words":5,"start":1.04,"end":2.5},{"sentences":[{"text":"Hi,","start":3.9199998,"end":4.24,"sentiment":"neutral","sentiment_score":0.04572762548923493}],"sentiment":"neutral","sentiment_score":0.04572762548923493,"channel":0,"num_words":1,"start":3.9199998,"end":4.24},{"sentences":[{"text":"Hello?","start":4.08,"end":4.58,"sentiment":"neutral","sentiment_score":0.04006006196141243}],"sentiment":"neutral","sentiment_score":0.04006006196141243,"channel":1,"num_words":1,"start":4.08,"end":4.58},{"sentences":[{"text":"Ben.","start":4.24,"end":4.64,"sentiment":"neutral","sentiment_score":0.03593134880065918},{"text":"Larissa","start":4.64,"end":5.04,"sentiment":"neutral","sentiment_score":0.031531210988759995}],"sentiment":"neutral","sentiment_score":0.03373127989470959,"channel":0,"num_words":2,"start":4.24,"end":5.04},{"sentences":[{"text":"Hi.","start":4.7999997,"end":5.2999997,"sentiment":"neutral","sentiment_score":0.09154573082923888}],"sentiment":"neutral","sentiment_score":0.09154573082923888,"channel":1,"num_words":1,"start":4.7999997,"end":5.2999997},{"sentences":[{"text":"from Oaktree Larissa from Oaktree Financial.","start":5.04,"end":7.7599998,"sentiment":"neutral","sentiment_score":0.12044634794195493},{"text":"How are you going?","start":7.7599998,"end":8.58,"sentiment":"neutral","sentiment_score":0.18983491882681847}],"sentiment":"neutral","sentiment_score":0.14820177629590034,"channel":0,"num_words":10,"start":5.04,"end":8.58},{"sentences":[{"text":"Alright.","start":8.559999,"end":9.04,"sentiment":"neutral","sentiment_score":0.15575973689556122},{"text":"How are you going?","start":9.04,"end":9.94,"sentiment":"neutral","sentiment_score":0.17405323684215546}],"sentiment":"neutral","sentiment_score":0.17039453685283662,"channel":1,"num_words":5,"start":8.559999,"end":9.94},{"sentences":[{"text":"Good.","start":11.5199995,"end":12.0,"sentiment":"neutral","sentiment_score":0.2877655029296875},{"text":"Sorry about the fall.","start":12.0,"end":13.095,"sentiment":"neutral","sentiment_score":-0.16946355253458023},{"text":"I don't think the call connected properly.","start":13.255,"end":15.255,"sentiment":"neutral","sentiment_score":-0.24797928546156203},{"text":"I'm not sure.","start":15.255,"end":16.075,"sentiment":"neutral","sentiment_score":-0.1437972684701284}],"sentiment":"neutral","sentiment_score":-0.17048903405666352,"channel":0,"num_words":15,"start":11.5199995,"end":16.075},{"sentences":[{"text":"No.","start":17.015,"end":17.255001,"sentiment":"neutral","sentiment_score":-0.3242051601409912},{"text":"It's in a really bad reception here where I am at the moment.","start":17.255001,"end":20.075,"sentiment":"negative","sentiment_score":-0.39168664583793056},{"text":"I'm just trying to move to something better, but","start":20.535,"end":22.295,"sentiment":"neutral","sentiment_score":-0.2275374879439672}],"sentiment":"neutral","sentiment_score":-0.3245203890230345,"channel":1,"num_words":23,"start":17.015,"end":22.295},{"sentences":[{"text":"No.","start":25.095001,"end":25.415,"sentiment":"neutral","sentiment_score":-0.2080950289964676},{"text":"That's okay.","start":25.415,"end":26.235,"sentiment":"neutral","sentiment_score":-0.13695858418941498},{"text":"Did you, actually, did you get affected by the Telstra outages yesterday?","start":27.34,"end":30.960001,"sentiment":"neutral","sentiment_score":-0.07115176475296418}],"sentiment":"neutral","sentiment_score":-0.08905555829405784,"channel":0,"num_words":15,"start":25.095001,"end":30.960001},{"sentences":[{"text":"Well, I need delayed text 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had","start":36.66,"end":36.9,"sentiment":"neutral","sentiment_score":-0.05241085775196552}],"sentiment":"neutral","sentiment_score":-0.05241085775196552,"channel":1,"num_words":2,"start":36.66,"end":36.9},{"sentences":[{"text":"who","start":36.78,"end":37.02,"sentiment":"neutral","sentiment_score":-0.059151116758584976}],"sentiment":"neutral","sentiment_score":-0.059151116758584976,"channel":0,"num_words":1,"start":36.78,"end":37.02},{"sentences":[{"text":"a 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through last night.","start":37.46,"end":38.5,"sentiment":"neutral","sentiment_score":-0.09363769367337227},{"text":"I was like, that's our customer's gonna have to call tomorrow because I didn't even know they contacted me.","start":38.5,"end":43.095,"sentiment":"neutral","sentiment_score":-0.11918431559675619}],"sentiment":"neutral","sentiment_score":-0.11474142482747203,"channel":1,"num_words":23,"start":37.46,"end":43.095},{"sentences":[{"text":"Yeah.","start":45.675,"end":46.155,"sentiment":"neutral","sentiment_score":-0.009052688255906103},{"text":"It 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was to follow-up from our conversation a few weeks ago just","start":56.440002,"end":63.24,"sentiment":"neutral","sentiment_score":0.03846547588267747}],"sentiment":"neutral","sentiment_score":0.03846547588267747,"channel":0,"num_words":17,"start":56.440002,"end":63.24},{"sentences":[{"text":"Yep.","start":62.95,"end":63.45,"sentiment":"neutral","sentiment_score":0.02542576938867569}],"sentiment":"neutral","sentiment_score":0.02542576938867569,"channel":1,"num_words":1,"start":62.95,"end":63.45},{"sentences":[{"text":"with reference to,","start":63.24,"end":64.78,"sentiment":"neutral","sentiment_score":0.03609413032730421}],"sentiment":"neutral","sentiment_score":0.03609413032730421,"channel":0,"num_words":3,"start":63.24,"end":64.78},{"sentences":[{"text":"Oh, thank 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high.","start":929.23,"end":935.00995,"sentiment":"neutral","sentiment_score":0.031282193603969756}],"sentiment":"neutral","sentiment_score":0.031282193603969756,"channel":1,"num_words":21,"start":929.23,"end":935.00995},{"sentences":[{"text":"Yeah.","start":936.045,"end":936.545,"sentiment":"neutral","sentiment_score":0.04369897022843361}],"sentiment":"neutral","sentiment_score":0.04369897022843361,"channel":0,"num_words":1,"start":936.045,"end":936.545},{"sentences":[{"text":"So I I always check my junk, but it's damn 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time.","start":946.045,"end":947.505,"sentiment":"positive","sentiment_score":0.3364511877298355},{"text":"Perfect.","start":950.07996,"end":950.48,"sentiment":"positive","sentiment_score":0.5692408084869385},{"text":"Well, I will I'll get that booked into Jack's calendar.","start":950.48,"end":953.06,"sentiment":"positive","sentiment_score":0.35688760280609133}],"sentiment":"positive","sentiment_score":0.3463556251742623,"channel":0,"num_words":22,"start":942.365,"end":953.06},{"sentences":[{"text":"And if there's any questions or issues, Jack can address them on Tuesday, or I'll be able to jump on the phone during that meeting and have a chat.","start":953.36,"end":960.66,"sentiment":"neutral","sentiment_score":0.23008752845484634}],"sentiment":"neutral","sentiment_score":0.23008752845484634,"channel":0,"num_words":29,"start":953.36,"end":960.66},{"sentences":[{"text":"Okay.","start":961.1,"end":961.58,"sentiment":"positive","sentiment_score":0.43475788831710815},{"text":"Sounds 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representative from Oaktree Financial calls Larissa to follow up on her insurance application and insurance amendments. They explain that they want to keep her hub twenty four superannup funds and move them to a new banking hybrid fund. The customer is instructed to send a letter to remind them of their accrued super Yep. contributions and to deduct their wage from their existing insurance. The agent recommends signing up for a will and emphasizes the importance of nominating beneficiaries for the policy. The customer is advised to book an appointment with Jack for further guidance and review a draft document and sign the documentation authorizing the implementation of their insurance policy."},"intents":{"segments":[{"text":"Did you, actually, did you get affected by the Telstra outages yesterday?","start_word":66,"end_word":77,"intents":[{"intent":"Address concerns about outage","confidence_score":0.0000040009277}]},{"text":"Well, I need delayed text messages. Yeah.","start_word":78,"end_word":84,"intents":[{"intent":"Update communication","confidence_score":0.00003767303}]},{"text":"So I just wanna obviously move you out of that now before they're phased out and you've moved into a fund that is chosen for you and not chosen by us. Like, you know, we're obviously managing it. We wanna make sure that there's oversight that we're looking at everything properly.","start_word":557,"end_word":607,"intents":[{"intent":"Manage funds","confidence_score":0.15875895}]},{"text":"Just two of the investments you currently hold, I just wanna rediversify them out and move them across to other holdings within the same class realistically and and and truthfully because the Benelong does have a bit of a hefty fee behind it, I'm actually reducing the fee by about a $165 by moving our money over to our other Australian equity.","start_word":655,"end_word":716,"intents":[{"intent":"Reiverate investments","confidence_score":0.0001440576}]},{"text":"Just two of the investments you currently hold, I just wanna rediversify them out and move them across to other holdings within the same class realistically and and and truthfully because the Benelong does have a bit of a hefty fee behind it, I'm actually reducing the fee by about a $165 by moving our money over to our other Australian equity. Yeah.","start_word":655,"end_word":717,"intents":[{"intent":"Reduce fee","confidence_score":0.8791296}]},{"text":"gonna cost you cheap like, it's gonna be cheaper in cost by doing these investment changes, which is nice. Obviously, more money compounding does a lot better, Yep. and the historical growth rate of this portfolio sits a lot better as well. So it's all all all coming up now, I guess. It's a win win. Yeah.","start_word":720,"end_word":776,"intents":[{"intent":"Complimenting costs","confidence_score":0.001358159},{"intent":"Explain benefit of changes","confidence_score":0.00000701045}]},{"text":"Obviously, more money compounding does a lot better, Yep. and the historical growth rate of this portfolio sits a lot better as well. So it's all all all coming up now, I guess. It's a win win. Yeah.","start_word":739,"end_word":776,"intents":[{"intent":"Compounding money","confidence_score":0.25932106}]},{"text":"As we spoke about a few weeks ago, my team will draw up a letter for you to send off to the accountant. So that way, the accountant can start including those in when they're paying, you know, your super Yep. contributions. Yep.","start_word":797,"end_word":839,"intents":[{"intent":"Sending letter to accountant","confidence_score":0.04261938}]},{"text":"Well, it's a letter for you to remind yourself. Yep. So yeah. So I'll I'll still we'll still draw it up and and send that to you, but it's just basically when you when you're accruing your your your super contributions, you'll just basically deduct from your wage and and add that across to your super fund.","start_word":858,"end_word":914,"intents":[{"intent":"Recall and remember super contributions","confidence_score":0.00011123829}]},{"text":"Now aside from that, what I do wanna do is with your your current position, what I wanna recommend because your superannuation fund, while it is a retirement benefit, it does also form an estate benefit as well or possibly.","start_word":1262,"end_word":1301,"intents":[{"intent":"Recommend retirement fund","confidence_score":0.05138104}]},{"text":"So if anything happened to you, that money needs to be directed somewhere or can be directed somewhere. Yeah.","start_word":1303,"end_word":1321,"intents":[{"intent":"Explain situation","confidence_score":0.032424632},{"intent":"Explain situation","confidence_score":0.016845107}]},{"text":"And what that would basically do is that would enable you to have an estate document that details not only your super, but it also dictates where any of your other assets go, such as the car and personal effects.","start_word":1396,"end_word":1435,"intents":[{"intent":"Recommend estate document","confidence_score":0.25439602}]},{"text":"Outside of that and the reason, I guess, I'm I'm I'm recommending that is because your superannuation fund will form part of your estate. So Yes.","start_word":1436,"end_word":1461,"intents":[{"intent":"Recommend retirement","confidence_score":0.0016572296}]},{"text":"So it can so you don't have anyone that does fall under what's called the CIS Act, SIS, Yes. which is the superannuation legislation act that basically dictates who can receive superannuation benefits as a beneficiary nomination.","start_word":1520,"end_word":1556,"intents":[{"intent":"Recommend cs act","confidence_score":0.0059720855}]},{"text":"So, unfortunately, the government very much restrict who can be a nominated beneficiary in that in that scope.","start_word":1557,"end_word":1574,"intents":[{"intent":"Define beneficiary","confidence_score":0.00052400125}]},{"text":"And I wanna make sure that, obviously, your money goes to whoever you're wanting it to go to. So if that's, you know, parents or siblings or just, you know, the mate down the road, that one can go to them. Yeah.","start_word":1575,"end_word":1616,"intents":[{"intent":"Provide will","confidence_score":0.0016590173},{"intent":"Ensure money goes to family","confidence_score":0.003534599}]},{"text":"basically a how to implement the advice. So it's a nice and easy step by step just to make it easy as to how we're doing everything. So step one is, you know, you just need to review. And if you agree with the advice, sign the documentation authorizing us to implement. After Yes.","start_word":2200,"end_word":2253,"intents":[{"intent":"Implement advice and documentation","confidence_score":0.0041273013}]},{"text":"The only thing I need to do is basically book you in with Jack who does all my insurance applications, and he will basically be able to hold you hold your hands through all the questions and make it as easy as possible for you so we can get that insurance in play. Okay. Yep. Okay. Sounds good. Cool. Did you wanna book the appointment now, or do you wanna take your time, read the documents, and then come back to me?","start_word":2263,"end_word":2344,"intents":[{"intent":"Book appointment","confidence_score":0.49353608}]},{"text":"What I'll do is I'll I'll actually invite you into it that way it pops up in your calendar so you don't forget Yeah. Yeah.","start_word":2443,"end_word":2467,"intents":[{"intent":"Invite to appointment","confidence_score":0.2697243}]},{"text":"Well, you have the documents with you. They may be in your spam folder. I don't believe you've had a had a request we changed over to a new, like, they're called CRMs, but it's basically our data system. Yeah.","start_word":2475,"end_word":2514,"intents":[{"intent":"Change email","confidence_score":0.08761049}]}]},"sentiments":{"segments":[{"text":"Hello. This is Ben speaking. Hi, Hello? Ben. Larissa Hi. from Oaktree Larissa from Oaktree Financial. How are you going? Alright. How are you going? Good. Sorry about the fall. I don't think the call connected properly. I'm not sure. No.","start_word":0,"end_word":40,"sentiment":"neutral","sentiment_score":0.0023026857525110245},{"text":"It's in a really bad reception here where I am at the moment.","start_word":41,"end_word":53,"sentiment":"negative","sentiment_score":-0.38556647300720215},{"text":"I'm just trying to move to something better, but No. That's okay. Did you, actually, did you get affected by the Telstra outages yesterday? Well, I need delayed text messages. Yeah. So, like, Oh, I had who a whole wants month them that anyway? came through last night. I was like, that's our customer's gonna have to call tomorrow because I didn't even know they contacted me. Yeah. It was Yeah. a Yeah. It it was fun. was. Anyway, I will keep this short and sweet. Yes. But the reason for my call was to follow-up from our conversation a few weeks ago just Yep. with reference to, Oh, thank you. obviously, the insurance application. And I also had a look into making some amendments to Thank your you. superannuation investments as well as we did discuss briefly just to, you know, make sure that if there were any amendments or anything that we could do that we obviously looked into them. Now when I went through and had a look, the insurance came out the exact same. So there was no changes to the, like, premium or anything like that, which was good. Yep. I obviously just needed to make sure that, you know, if any of the providers that we were looking into had changed their products that we obviously took that into consideration. Obviously, since I spoke to you last over the last few weeks, you would have paid out that last little bit of car loan. Yes. Yeah.","start_word":54,"end_word":305,"sentiment":"neutral","sentiment_score":0.010078391060233116},{"text":"That's all good, ma'am. Yeah. Which is fantastic. Good. So with that one being all paid out, that's obviously a breath of fresh air.","start_word":306,"end_word":329,"sentiment":"positive","sentiment_score":0.4890287220478058},{"text":"Yeah.","start_word":330,"end_word":330,"sentiment":"neutral","sentiment_score":0.3222266435623169},{"text":"But it obviously increases your cash flow a little bit, which is good.","start_word":331,"end_word":343,"sentiment":"positive","sentiment_score":0.5129812955856323},{"text":"I Yep. still recommended that we keep to the $50 per week salary sacrifice arrangement. So no Yes. changes there even, like, you although you now have, you know, sort of the extra money that from the from no longer paying the car loan out. Yep. I don't wanna increase the salary sacrifice arrangement or anything like that. I wanna keep it as is. So the advice that I'm giving really is in three parts. First is that I want to keep your hub twenty four superannuation fund. I want to just make some really slight movements to the investments that you hold. Now currently, you hold two they're they're just they're two funds. So one is a Benelon Australian Equity Fund, and it's just not pulling its weight. And that's what it really comes down to is it's just not pulling its weight the way that I would want it to pull its weight. So I just wanna swap it out for another Australian equity. Then along just their high conviction fund, and the fund just isn't doing what I want it to do. Mhmm. Right. The Yep. other one is it's a banking hybrid that you hold. Now banking hybrids are actually being phased out over the next few years. Mhmm. So I just wanna obviously move you out of that now before they're phased out and you've moved into a fund that is chosen for you and not chosen by us. Like, you know, we're obviously managing it. We wanna make sure that there's oversight that we're looking at everything properly. Yep. So what I wanna do is just move your funds into a core composite bond. So nothing, you know, too drastic. We're just moving some of the funds over that way, Right. and and you'll hold money there. So nothing too major on that front. Just two of the investments you currently hold, I just wanna rediversify them out and move them across to other holdings within the same class realistically and and and truthfully because the Benelong does have a bit of a hefty fee behind it, I'm actually reducing the fee by about a $165 by moving our money over to our other Australian equity.","start_word":344,"end_word":715,"sentiment":"neutral","sentiment_score":0.03179761953651905},{"text":"Yeah. So it's Okay. gonna cost you cheap like, it's gonna be cheaper in cost by doing these investment changes, which is nice. Obviously, more money compounding does a lot better, Yep. and the historical growth rate of this portfolio sits a lot better as well. So it's all all all coming up now, I guess. It's a win win.","start_word":716,"end_word":775,"sentiment":"positive","sentiment_score":0.6790153384208679},{"text":"Yeah. Yeah. No. I said that's fair enough.","start_word":776,"end_word":783,"sentiment":"neutral","sentiment_score":0.11355497688055038},{"text":"Perfect.","start_word":784,"end_word":784,"sentiment":"positive","sentiment_score":0.5310577154159546},{"text":"Now aside from that, the second part is obviously the salary sacrifice. As we spoke about a few weeks ago, my team will draw up a letter for you to send off to the accountant. So that way, the accountant can start including those in when they're paying, you know, your super Yep. contributions. Yep. Sure. I'll be looking to ask So that about way, that, I it's think. all taken care of. Well, it's a letter for you to remind yourself. Yep. So yeah. So I'll I'll still we'll still draw it up and and send that to you, but it's just basically when you when you're accruing your your your super contributions, you'll just basically deduct from your wage and and add that across to your super fund.","start_word":785,"end_word":914,"sentiment":"neutral","sentiment_score":0.1030278578400612},{"text":"The Yep. cool thing is is it reduces down on the tax you pay overall and and just gives you a a a bit of a bump to your super funds offsetting the insurance recommendation on Yep.","start_word":915,"end_word":951,"sentiment":"positive","sentiment_score":0.4029342532157898},{"text":"that side. Okay. Now the insurances, we I've kept the same. It's still the same provider, one pass, So no changes on that front. Still looking at the total permanent disability and the income protection, so it covers you if, you know, you're not able to work. And that's the biggest part is that if you're not able to work, you're you you have that cover.","start_word":952,"end_word":1017,"sentiment":"neutral","sentiment_score":0.013809089294888756},{"text":"Yes. Nice and cheap. It's coming in at basically $2,530 a year.","start_word":1018,"end_word":1029,"sentiment":"positive","sentiment_score":0.4100717604160309},{"text":"Pending how the application goes. So following our conversation today, I've sent you documents already that I need you to look at and sign. Even though I'm explaining them, I still want you to go through and read them. Yep. What I need to do is book you in with one of my team to go through the actual application for the insurance. I suspect it's very highly likely that because you have a preexisting back condition and pending how that's still going, that you could end up with a back exclusion on the policy. Mhmm. Now if your back's great, you've had no niggles, pains, or anything like that in quite a while, then that may not actually eventuate. It's just all dependent on, I guess, how you're going. Yeah. Okay. Well, I've been calling well at the moment. I haven't been with PTO in the last four, twelve, eight, eight months, so I haven't been able to get anything. Perfect. Alright. No. That's that's really good. So there may be yeah. There it may be that during the underwriting, so during the actual application of the process or the of the policy, that that exclusion may not actually carry through. But it's just in my documentation, I do have that it it's it's possible Yeah. just Yeah. because Yeah. I No. know That's that that good. does exist. Yeah. Cool. Now aside from that, what I do wanna do is with your your current position, what I wanna recommend because your superannuation fund, while it is a retirement benefit, it does also form an estate benefit as well or possibly. So if anything happened to you, that money needs to be directed somewhere or can be directed somewhere. Yeah. Now what I recommend that because we the position you're in, you know, we don't have a spouse, that we actually look at getting a will drawn up, you could Mhmm. do that quite easily yourself or through a solicitor. It's either either way.","start_word":1030,"end_word":1364,"sentiment":"neutral","sentiment_score":-0.039290782053079176},{"text":"There are some really cool online platforms like Willed, w I, double l, e d, Yep. that are really cheap, and they can put a simple will in place for you.","start_word":1365,"end_word":1395,"sentiment":"positive","sentiment_score":0.4961875081062317},{"text":"And what that would basically do is that would enable you to have an estate document that details not only your super, but it also dictates where any of your other assets go, such as the car and personal effects. Outside of that and the reason, I guess, I'm I'm I'm recommending that is because your superannuation fund will form part of your estate. So Yes. there's no nomination on the fund right now, and, automatically, it does form part of your estate if we don't nominate someone. Now with the position that you're in and I I I know that you you're you're separated and and Yes. and going through divorce. I had to think of the word. Sorry. I'm going through divorce. So it can so you don't have anyone that does fall under what's called the CIS Act, SIS, Yes. which is the superannuation legislation act that basically dictates who can receive superannuation benefits as a beneficiary nomination.","start_word":1396,"end_word":1556,"sentiment":"neutral","sentiment_score":0.106413371860981},{"text":"So, unfortunately, the government very much restrict who can be a nominated beneficiary in that in that scope.","start_word":1557,"end_word":1574,"sentiment":"negative","sentiment_score":-0.3499988913536072},{"text":"And I wanna make sure that, obviously, your money goes to whoever you're wanting it to go to. So if that's, you know, parents or siblings or just, you know, the mate down the road, that one can go to them. Yeah. Yeah. No. It's it's very good at my parents. They're still all to go to my my nephews, nieces. But if not, Yes. then it'll be going to my sister.","start_word":1575,"end_word":1646,"sentiment":"neutral","sentiment_score":0.1245094429080685},{"text":"She'll she's the best one. Well, one of my sisters, anyway, she's the best one to manage that, disseminate it, and she's the one I trust most.","start_word":1647,"end_word":1673,"sentiment":"positive","sentiment_score":0.5146112442016602},{"text":"Yeah. So a a will would enable you to do that. So a will, you could nominate your sister as the executor, which means that she would handle where all the funds go. And then you could nominate, you know, the beneficiaries to be the nieces and nephews. You know, if you had that really good mate and you really wanted him to have a watch or a car or whatever it is, then you could specifically nominate people to receive specific assets. Yeah. Yeah. They're Or they're you can they're just all on say, the third aid sell at everything the moment. and yeah. That's yeah. I mean, look, 13 year old getting them hands on money. I'm sure they'll spend it wisely at the lolly Alright. The first thing I need to do first thing I need to do is buy the biggest gaming computer I shop. can possibly buy, the most expensive one. I have a I I have a 13 year old as well. So yeah.","start_word":1674,"end_word":1843,"sentiment":"neutral","sentiment_score":0.15828977525234222},{"text":"Absolutely.","start_word":1844,"end_word":1844,"sentiment":"positive","sentiment_score":0.376347303390503},{"text":"Apart from going to to for a walk to Coles, probably buying three or four bottles of soft drink. Yeah. It'd be his theme library would expand quite quite quickly, I think. Yes. Yes. Yeah. Yeah.","start_word":1845,"end_word":1880,"sentiment":"neutral","sentiment_score":0.20275916159152985},{"text":"Exactly. Perfect. So, yeah, you're able to nominate nephew and and and that'll go through nicely on that side.","start_word":1881,"end_word":1899,"sentiment":"positive","sentiment_score":0.4750322997570038},{"text":"Yeah. Yeah. No. That's but but yeah. Well, that that is something I do wanna do because I wanna make sure that that is taken care of in case something does happen to me. Because it's not like I can deal with it after. Yeah. No. Unfortunately, not. So yeah. And it and it just it prevents the fights from happening as well. You know, if there's other siblings or other people and, you know, it just restricts the fighting. Look. I Yeah. do have clients that go, I'm dead. I don't care. And that's fair enough if you wanna take that stance on it. But my recommendation is that we do obviously document everything properly. Yes. I I know I remember when my grandmother passed away. That was a bit of a nightmare because she didn't have a will, and there's a lot of fighting between the United. They've had kids there once. So, yes, I remember how Yeah. bad that was. And that Yes. would mean her policy And is those that she estates goes, oh, damn. It doesn't bother me. yeah.","start_word":1900,"end_word":2083,"sentiment":"neutral","sentiment_score":-0.04715434599505818},{"text":"And the poll and and estates get eaten into real quickly, unfortunately.","start_word":2084,"end_word":2095,"sentiment":"negative","sentiment_score":-0.4390687048435211},{"text":"Yes. It is.","start_word":2096,"end_word":2098,"sentiment":"neutral","sentiment_score":0.17385165393352509},{"text":"That's perfect.","start_word":2099,"end_word":2100,"sentiment":"positive","sentiment_score":0.6199067831039429},{"text":"Well, that's pretty much the everything that I wanted to run through and talk about and and, I guess, we could just explain to you. Did you have Mhmm. any questions at all about where the advice is, why the advice is, what the advice is, or where everything fits? No. No. No. I didn't didn't didn't have the question today. Yep. Alright.","start_word":2101,"end_word":2163,"sentiment":"neutral","sentiment_score":0.02487662248313427},{"text":"Perfect.","start_word":2164,"end_word":2164,"sentiment":"positive","sentiment_score":0.400506854057312},{"text":"Well, I guess, in terms of of moving forward, there is in the statement of a draft document, it's, like, second to last page, So page 40. I know.","start_word":2165,"end_word":2193,"sentiment":"neutral","sentiment_score":0.01829093135893345},{"text":"Ridiculous.","start_word":2194,"end_word":2194,"sentiment":"negative","sentiment_score":-0.47456541657447815},{"text":"So many pages. There's Yeah. basically a how to implement the advice.","start_word":2195,"end_word":2206,"sentiment":"neutral","sentiment_score":0.011908281594514849},{"text":"So it's a nice and easy step by step just to make it easy as to how we're doing everything.","start_word":2207,"end_word":2226,"sentiment":"positive","sentiment_score":0.4108089804649353},{"text":"So step one is, you know, you just need to review. And if you agree with the advice, sign the documentation authorizing us to implement. After Yes. that, we basically take care of everything else. The only thing I need to do is basically book you in with Jack who does all my insurance applications, and he will basically be able to hold you hold your hands through all the questions and make it as easy as possible for you so we can get that insurance in play. Okay. Yep.","start_word":2227,"end_word":2316,"sentiment":"neutral","sentiment_score":0.25508705857727265},{"text":"Okay. Sounds good. Cool.","start_word":2317,"end_word":2320,"sentiment":"positive","sentiment_score":0.6190851330757141},{"text":"Did you wanna book the appointment now, or do you wanna take your time, read the documents, and then come back to me? We'll we'll book the appointment now because I'll I will read the documents, but we'll book it now. Is there any time next week I'll wake up Yeah.","start_word":2321,"end_word":2371,"sentiment":"neutral","sentiment_score":0.22640012204647064},{"text":"Absolutely.","start_word":2372,"end_word":2372,"sentiment":"positive","sentiment_score":0.4116753935813904},{"text":"You tell me a time, and I'll make it work in Jack's calendar. Just checking my calendar. I can probably do pretty much for anytime Tuesday, if I look for that. Anytime Tuesday or Wednesday next week. From Absolutely. between nine Cool. and, you know, five Let's thirty. Well, nine and six. Yeah. That's fine. cool. Do you wanna just do Tuesday fourteenth, 9AM? Yeah. Yeah. That's fine. Alright.","start_word":2373,"end_word":2441,"sentiment":"neutral","sentiment_score":0.2030438482761383},{"text":"Perfect.","start_word":2442,"end_word":2442,"sentiment":"positive","sentiment_score":0.4986389279365539},{"text":"What I'll do is I'll I'll actually invite you into it that way it pops up in your calendar so you don't forget Yeah. Yeah. Thank you. to no. That's okay. Perfect. Well, you have the documents with you. They may be in your spam folder. I don't believe you've had a had a request we changed over to a new, like, they're called CRMs, but it's basically our data system. Yeah. Yep. So it is all, like, our our file notes, like, your your data, and the signing system is all wrapped into one. We don't use DocuSign anymore. Yeah. Okay. So it Yeah. may be in your spam folder because you've never received an email from the system. Yeah. Yeah. Okay. But just have a look. So If I'll you have have a any look issues because well, because it well, like, I'm one of the IT companies, so I have our email security is fairly high. Yeah. So I I always check my junk, but it's damn faulted.","start_word":2443,"end_word":2613,"sentiment":"neutral","sentiment_score":-0.01510374938350236},{"text":"Your Perfect. stuff always Good. nice and then No. that's legitimate.","start_word":2614,"end_word":2624,"sentiment":"positive","sentiment_score":0.45573705434799194},{"text":"Yeah. Oh, yeah.","start_word":2625,"end_word":2627,"sentiment":"neutral","sentiment_score":0.26336580514907837},{"text":"I tell you about it all the time. Perfect. Well, I will I'll get that booked into Jack's calendar.","start_word":2628,"end_word":2646,"sentiment":"positive","sentiment_score":0.35948798060417175},{"text":"And if there's any questions or issues, Jack can address them on Tuesday, or I'll be able to jump on the phone during that meeting and have a chat.","start_word":2647,"end_word":2675,"sentiment":"neutral","sentiment_score":0.22912466526031497},{"text":"Okay. Sounds good. Awesome. Perfect. Well, we'll talk to you then. Alright. Sounds good. Thank you very much. Thanks, Ben. Have a great Okay. day.","start_word":2676,"end_word":2700,"sentiment":"positive","sentiment_score":0.6117616295814514},{"text":"Bye. Bye. Bye.","start_word":2701,"end_word":2703,"sentiment":"neutral","sentiment_score":0.21417658030986783}],"average":{"sentiment":"neutral","sentiment_score":0.1015650798530208}}}}