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Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Lovely. And, Natalia, can I please ask that you confirm your full name, date of birth, and address, please? Great. Thank you very much for confirming. The purpose of my call today is to follow-up on your review that you had with Connor just recently and just touch base about a few items that you raised with him, and that being the Compassionate Browns super claim. And I also just wanted to run through a couple of investment options within your super fund to look at flagging to replace, if that's okay. Yeah. So do you have about I don't believe it'll take very long, but do you have some time now to run through that? Yep. Yep. Okay. Okay. Okay. I can run through with you the process for that anyway just so you're informed as well. Okay. So what I might do is start with the, some of the funds that we wanna look at replacing, within your portfolio. There's a couple in there. There's the Benelon Australian Equities Fund that has underperformed recently. And the reason why we are looking at a potential replacement as long as it puts you in a better position is simply because of their investment mandate. So the Australian share market has taken a dip recently, but the mandate of the Bennelong Fund is to find undervalued companies within the Australian share market. Yeah. Of course. I I get that a lot. I think it was the headset. Is this better when I hold it closer? No. Alright. Is that I'll try and speak up. Is that much better? No? Would you like me to hang up and try again? Maybe we've got a bad line. Yeah? Or did you wanna persevere for a little bit and we'll wait? And if it gets too bad okay. Fantastic. So as I was saying, the Bennelong Australian Equities Fund, we're looking at wanting to investigate replacements. The reason being is the investment mandate is to look at companies within the Australian share market that are potentially undervalued for growth opportunities. Within the period of underperformance, it's the banks and the resources that did better just due to the market activity and behavior, which happens from time to time. So rather than be reactive, we always just we hold and wait. But this it's we've now recommended that we look at replacing the Bed along Australian Equities Fund. So they're one of the ones we want to look at investigating further for you. Additionally, you've got some exposure to the beta shares hybrids bank hybrids. Now there is nothing in particular wrong with that investment at all. It's simply, more of a proactive approach that we're taking. The bank system in Australia is going to be phasing out hybrids from January 2027. So rather than wait and see, what I'd like to do now is look at alternatives because I don't know what the outcome is gonna be when the banks do phase it out. So I think my my approach is to take a proactive one rather than wait and see. And then you do have a little bit of property exposure in the Van Eck property funds. Property hasn't been doing great lately. What I would like to do is have a look at if there's any alternate Of course. Okay. I won't keep you long at all. I'm sorry to hear about your dad. No. That's okay. Yeah. And you just have a little bit of exposure to the Van Eck Property Fund, which I just like to look at reviewing because it has been underperforming a little bit just with market conditions lately. So in order for me to do that, what I do need to do is just go away, do a little bit of research, and have another chat with you in a couple in a week or two to just present the advice for those changes. Is that okay? Alright. Great. Any questions about any of that? Okay. With the access to super, I'll just briefly run over that. You can apply to access it for medical treatment. It needs to be a life threatening illness or injury. It needs to alleviate acute or chronic pain or alleviate an acute or chronic mental illness. I don't have the full details. I've only got basic details of what you discussed with Connor. But, basically, I believe that potentially your condition, depending on what your specialist is, could fit one of those areas. The yeah. Okay. Yep. Yep. Yep. Okay. Is the condition causing acute or chronic pain? Yes. Okay. Okay. So and it's not available through the public health system? Yep. Yes. Okay. So what in order to try if the broker is and now there's no absolute, you know, way for us to say whether you would meet that the ATO would approve the access. But what you would need to do to have it assessed is you would need a form completed by your specialist, and then you'd need the same form completed by your GP. So it's two doctors. Usually, you'd get the specialist to fill it out, and the GP would be aware of your situation, and theirs would be somewhat similar. Those forms are then submitted to the ATO through your myGov account, and then you'll hear from the ATO as to whether that is approved or not. That can take a few weeks for them to approve. Well, up to a few weeks, I should say. Sometimes it's much quicker. But the more information that the specialist provides on the form, the easier it is. So what I can do is I can email you that form so you have it if that's the road that you do need to go down. We're here to provide any answer any questions, but we can't apply for it for you on your behalf. But we can definitely help guide you with the process, and that's how you would do that. So and the only funds you would be able to access is the amount for the surgery. So in that form, the specialist would need to provide a quote for what the cost is. And you yeah. Yes. Yep. Okay. So that's fine. You just need them to so you can't apply for any able to work or anything like that. The access to superannuation would be for the the medical expense only. Yes. Yep. Mhmm. Yes. So maybe when yeah. So maybe what you will need to do when you see the specialist, if you do decide to go down this path when they're completing the form for you, is ask them, is two hours realistic or whether they quote you on a higher amount of time. Because once you submit the application, you're only approved for the amount that's attached to the quote. So that would be a conversation that you would need to have with the specialist. Okay? Do you have any questions for me or any other information that I can help you with? Yeah. Of course. Yes. Of course. Of course. And you and if you need help navigating how to lodge that through that your myGov portal, We can assist with that, to talk you through that if you need to. You're absolutely welcome, Natalia. We'll be in contact in about two weeks to present that advice for those changes. Wonderful. Thank you. Enjoy your afternoon, and I hope your dad is feeling better. Thank you. 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Is this Natalia? I'm well. Thank you. This is Jenna phoning from Oakview Financial.\n\nI'm Thanks. And yourself? That's good. Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay?\n\nLovely. And, Natalia, can I please ask that you confirm your full name, date of birth, and address, please? Great. Thank you very much for confirming. The purpose of my call today is to follow-up on your review that you had with Connor just recently and just touch base about a few items that you raised with him, and that being the Compassionate Browns super claim.\n\nAnd I also just wanted to run through a couple of investment options within your super fund to look at flagging to replace, if that's okay. Yeah. So do you have about I don't believe it'll take very long, but do you have some time now to run through that? Yep. Yep.\n\nOkay. Okay. Okay. I can run through with you the process for that anyway just so you're informed as well. Okay.\n\nSo what I might do is start with the, some of the funds that we wanna look at replacing, within your portfolio. There's a couple in there. There's the Benelon Australian Equities Fund that has underperformed recently. And the reason why we are looking at a potential replacement as long as it puts you in a better position is simply because of their investment mandate. So the Australian share market has taken a dip recently, but the mandate of the Bennelong Fund is to find undervalued companies within the Australian share market.\n\nYeah. Of course. I I get that a lot. I think it was the headset. Is this better when I hold it closer?\n\nNo. Alright. Is that I'll try and speak up. Is that much better? No?\n\nWould you like me to hang up and try again? Maybe we've got a bad line. Yeah? Or did you wanna persevere for a little bit and we'll wait? And if it gets too bad okay.\n\nFantastic. So as I was saying, the Bennelong Australian Equities Fund, we're looking at wanting to investigate replacements. The reason being is the investment mandate is to look at companies within the Australian share market that are potentially undervalued for growth opportunities. Within the period of underperformance, it's the banks and the resources that did better just due to the market activity and behavior, which happens from time to time. So rather than be reactive, we always just we hold and wait.\n\nBut this it's we've now recommended that we look at replacing the Bed along Australian Equities Fund. So they're one of the ones we want to look at investigating further for you. Additionally, you've got some exposure to the beta shares hybrids bank hybrids. Now there is nothing in particular wrong with that investment at all. It's simply, more of a proactive approach that we're taking.\n\nThe bank system in Australia is going to be phasing out hybrids from January 2027. So rather than wait and see, what I'd like to do now is look at alternatives because I don't know what the outcome is gonna be when the banks do phase it out. So I think my my approach is to take a proactive one rather than wait and see. And then you do have a little bit of property exposure in the Van Eck property funds. Property hasn't been doing great lately.\n\nWhat I would like to do is have a look at if there's any alternate Of course. Okay. I won't keep you long at all. I'm sorry to hear about your dad. No.\n\nThat's okay. Yeah. And you just have a little bit of exposure to the Van Eck Property Fund, which I just like to look at reviewing because it has been underperforming a little bit just with market conditions lately. So in order for me to do that, what I do need to do is just go away, do a little bit of research, and have another chat with you in a couple in a week or two to just present the advice for those changes. Is that okay?\n\nAlright. Great. Any questions about any of that? Okay. With the access to super, I'll just briefly run over that.\n\nYou can apply to access it for medical treatment. It needs to be a life threatening illness or injury. It needs to alleviate acute or chronic pain or alleviate an acute or chronic mental illness. I don't have the full details. I've only got basic details of what you discussed with Connor.\n\nBut, basically, I believe that potentially your condition, depending on what your specialist is, could fit one of those areas. The yeah. Okay. Yep. Yep.\n\nYep. Okay. Is the condition causing acute or chronic pain? Yes. Okay.\n\nOkay. So and it's not available through the public health system? Yep. Yes. Okay.\n\nSo what in order to try if the broker is and now there's no absolute, you know, way for us to say whether you would meet that the ATO would approve the access. But what you would need to do to have it assessed is you would need a form completed by your specialist, and then you'd need the same form completed by your GP. So it's two doctors. Usually, you'd get the specialist to fill it out, and the GP would be aware of your situation, and theirs would be somewhat similar. Those forms are then submitted to the ATO through your myGov account, and then you'll hear from the ATO as to whether that is approved or not.\n\nThat can take a few weeks for them to approve. Well, up to a few weeks, I should say. Sometimes it's much quicker. But the more information that the specialist provides on the form, the easier it is. So what I can do is I can email you that form so you have it if that's the road that you do need to go down.\n\nWe're here to provide any answer any questions, but we can't apply for it for you on your behalf. But we can definitely help guide you with the process, and that's how you would do that. So and the only funds you would be able to access is the amount for the surgery. So in that form, the specialist would need to provide a quote for what the cost is. And you yeah.\n\nYes. Yep. Okay. So that's fine. You just need them to so you can't apply for any able to work or anything like that.\n\nThe access to superannuation would be for the the medical expense only. Yes. Yep. Mhmm. Yes.\n\nSo maybe when yeah. So maybe what you will need to do when you see the specialist, if you do decide to go down this path when they're completing the form for you, is ask them, is two hours realistic or whether they quote you on a higher amount of time. Because once you submit the application, you're only approved for the amount that's attached to the quote. So that would be a conversation that you would need to have with the specialist. Okay?\n\nDo you have any questions for me or any other information that I can help you with? Yeah. Of course. Yes. Of course.\n\nOf course. And you and if you need help navigating how to lodge that through that your myGov portal, We can assist with that, to talk you through that if you need to. You're absolutely welcome, Natalia. We'll be in contact in about two weeks to present that advice for those changes. Wonderful.\n\nThank you. Enjoy your afternoon, and I hope your dad is feeling better. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":2.0,"end":2.32,"sentiment":"neutral","sentiment_score":0.030795317143201828},{"text":"Is this Natalia?","start":2.32,"end":3.3799999,"sentiment":"neutral","sentiment_score":0.030356614540020626},{"text":"I'm well.","start":7.52,"end":8.0,"sentiment":"neutral","sentiment_score":0.30558088421821594},{"text":"Thank you.","start":8.0,"end":8.48,"sentiment":"positive","sentiment_score":0.52897709608078},{"text":"This is Jenna phoning from Oakview Financial.","start":8.48,"end":10.74,"sentiment":"neutral","sentiment_score":0.15803403513772146}],"sentiment":"neutral","sentiment_score":0.19314795782168706,"num_words":15,"start":2.0,"end":10.74},{"sentences":[{"text":"I'm Thanks.","start":13.44,"end":14.275,"sentiment":"neutral","sentiment_score":0.29125048220157623},{"text":"And yourself?","start":14.275,"end":14.855,"sentiment":"neutral","sentiment_score":0.15416954457759857},{"text":"That's 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confirming.","start":43.519997,"end":45.155003,"sentiment":"positive","sentiment_score":0.6924064854780833},{"text":"The purpose of my call today is to follow-up on your review that you had with Connor just recently and just touch base about a few items that you raised with him, and that being the Compassionate Browns super claim.","start":46.335003,"end":63.94,"sentiment":"neutral","sentiment_score":0.20716670881956817}],"sentiment":"neutral","sentiment_score":0.2210136414364432,"num_words":66,"start":26.994999,"end":63.94},{"sentences":[{"text":"And I also just wanted to run through a couple of investment options within your super fund to look at flagging to replace, if that's okay.","start":64.32,"end":75.105,"sentiment":"neutral","sentiment_score":0.010881004747576438},{"text":"Yeah.","start":76.685005,"end":77.085,"sentiment":"neutral","sentiment_score":-0.006857534870505333},{"text":"So do you have about I don't believe it'll take very long, but do you have some time now to run 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well.","start":113.89,"end":122.15,"sentiment":"neutral","sentiment_score":0.03635311170535929},{"text":"Okay.","start":123.915,"end":124.155,"sentiment":"neutral","sentiment_score":0.025724023580551147}],"sentiment":"neutral","sentiment_score":0.022937662722099395,"num_words":21,"start":101.995,"end":124.155},{"sentences":[{"text":"So what I might do is start with the, some of the funds that we wanna look at replacing, within your portfolio.","start":124.155,"end":133.775,"sentiment":"neutral","sentiment_score":-0.005367365242405372},{"text":"There's a couple in there.","start":136.72,"end":137.76001,"sentiment":"neutral","sentiment_score":0.046712495014071466},{"text":"There's the Benelon Australian Equities Fund that has underperformed recently.","start":137.76001,"end":144.74,"sentiment":"neutral","sentiment_score":0.062241386994719504},{"text":"And the reason why we are looking at a potential replacement as long as it puts you in a better position is simply because of their investment mandate.","start":145.76001,"end":157.435,"sentiment":"neutral","sentiment_score":0.04885133182896035},{"text":"So the Australian share market has taken a dip recently, but the mandate of the Bennelong Fund is to find undervalued companies within the Australian share market.","start":157.495,"end":170.31999,"sentiment":"neutral","sentiment_score":-0.15106341615319252}],"sentiment":"neutral","sentiment_score":-0.02144544168739863,"num_words":92,"start":124.155,"end":170.31999},{"sentences":[{"text":"Yeah.","start":177.98,"end":178.22,"sentiment":"neutral","sentiment_score":-0.0695628821849823},{"text":"Of course.","start":178.22,"end":179.075,"sentiment":"neutral","sentiment_score":-0.08398399129509926},{"text":"I I get that a lot.","start":183.455,"end":187.135,"sentiment":"neutral","sentiment_score":-0.1863862027724584},{"text":"I think it was the headset.","start":187.135,"end":188.415,"sentiment":"neutral","sentiment_score":-0.06166978366672993},{"text":"Is this better when I hold it closer?","start":188.415,"end":190.515,"sentiment":"neutral","sentiment_score":-0.03944580536335707}],"sentiment":"neutral","sentiment_score":-0.08875796636161597,"num_words":23,"start":177.98,"end":190.515},{"sentences":[{"text":"No.","start":194.71,"end":195.21,"sentiment":"neutral","sentiment_score":-0.13978812098503113},{"text":"Alright.","start":196.23,"end":196.73,"sentiment":"neutral","sentiment_score":-0.07395055145025253},{"text":"Is that I'll try and speak up.","start":196.79001,"end":198.81,"sentiment":"neutral","sentiment_score":-0.08213751550231661},{"text":"Is that much better?","start":199.59,"end":200.81,"sentiment":"neutral","sentiment_score":0.01757693011313677},{"text":"No?","start":202.95,"end":203.45,"sentiment":"neutral","sentiment_score":-0.1167733073234558}],"sentiment":"neutral","sentiment_score":-0.05965477627302919,"num_words":14,"start":194.71,"end":203.45},{"sentences":[{"text":"Would you like me to hang up and try again?","start":204.15001,"end":206.07,"sentiment":"neutral","sentiment_score":-0.20970122814178466},{"text":"Maybe we've got a bad line.","start":206.07,"end":207.555,"sentiment":"negative","sentiment_score":-0.3764378825823466},{"text":"Yeah?","start":214.515,"end":214.915,"sentiment":"neutral","sentiment_score":0.01513677928596735},{"text":"Or did you wanna persevere for a little bit and we'll wait?","start":214.915,"end":217.31499,"sentiment":"neutral","sentiment_score":-0.021865714341402054},{"text":"And if it gets too bad okay.","start":217.31499,"end":223.33499,"sentiment":"neutral","sentiment_score":-0.055658085005623956}],"sentiment":"neutral","sentiment_score":-0.13868049902117086,"num_words":36,"start":204.15001,"end":223.33499},{"sentences":[{"text":"Fantastic.","start":223.51001,"end":224.01001,"sentiment":"positive","sentiment_score":0.5216435790061951},{"text":"So as I was saying, the Bennelong Australian Equities Fund, we're looking at wanting to investigate replacements.","start":225.19,"end":231.77,"sentiment":"neutral","sentiment_score":0.16790275100399465},{"text":"The reason being is the investment mandate is to look at companies within the Australian share market that are potentially undervalued for growth opportunities.","start":233.11,"end":243.515,"sentiment":"neutral","sentiment_score":-0.08694020534555118},{"text":"Within the period of underperformance, it's the banks and the resources that did better just due to the market activity and behavior, which happens from time to time.","start":245.735,"end":256.36,"sentiment":"neutral","sentiment_score":0.06890279852918216},{"text":"So rather than be reactive, we always just we hold and wait.","start":256.66,"end":262.28,"sentiment":"neutral","sentiment_score":0.008851996157318354}],"sentiment":"neutral","sentiment_score":0.040547899152265816,"num_words":82,"start":223.51001,"end":262.28},{"sentences":[{"text":"But this it's we've now recommended that we look at replacing the Bed along Australian Equities Fund.","start":263.13998,"end":270.465,"sentiment":"neutral","sentiment_score":0.05297972733045325},{"text":"So they're one of the ones we want to look at investigating further for you.","start":272.045,"end":276.70502,"sentiment":"neutral","sentiment_score":0.05730457504590352},{"text":"Additionally, you've got some exposure to the beta shares hybrids bank hybrids.","start":277.885,"end":282.67,"sentiment":"neutral","sentiment_score":-0.005413017778967817},{"text":"Now there is nothing in particular wrong with that investment at all.","start":283.61002,"end":287.79,"sentiment":"neutral","sentiment_score":0.14086779206991196},{"text":"It's simply, more of a proactive approach that we're taking.","start":288.17,"end":292.35,"sentiment":"neutral","sentiment_score":0.2536008581519127}],"sentiment":"neutral","sentiment_score":0.08972257368661689,"num_words":66,"start":263.13998,"end":292.35},{"sentences":[{"text":"The bank system in Australia is going to be phasing out hybrids from January 2027.","start":292.41,"end":299.21497,"sentiment":"neutral","sentiment_score":0.006951046114166578},{"text":"So rather than wait and see, what I'd like to do now is look at alternatives because I don't know what the outcome is gonna be when the banks do phase it out.","start":300.315,"end":311.47,"sentiment":"neutral","sentiment_score":-0.00774387422610413},{"text":"So I think my my approach is to take a proactive one rather than wait and see.","start":311.61,"end":318.43,"sentiment":"neutral","sentiment_score":0.16776102299199386},{"text":"And then you do have a little bit of property exposure in the Van Eck property funds.","start":318.65,"end":323.13498,"sentiment":"neutral","sentiment_score":-0.0005374331684673534},{"text":"Property hasn't been doing great lately.","start":323.675,"end":325.85498,"sentiment":"neutral","sentiment_score":-0.16234863797823587}],"sentiment":"neutral","sentiment_score":0.019516216379336336,"num_words":88,"start":292.41,"end":325.85498},{"sentences":[{"text":"What I would like to do is have a look at if there's any alternate Of course.","start":326.395,"end":333.53497,"sentiment":"neutral","sentiment_score":0.009947035680798924},{"text":"Okay.","start":346.73,"end":347.13,"sentiment":"neutral","sentiment_score":0.0013961102813482285},{"text":"I won't keep you long at all.","start":347.13,"end":349.31,"sentiment":"neutral","sentiment_score":-0.02330803046269076},{"text":"I'm sorry to hear about your dad.","start":350.565,"end":352.345,"sentiment":"neutral","sentiment_score":-0.12477744051388331},{"text":"No.","start":355.285,"end":355.44498,"sentiment":"neutral","sentiment_score":-0.06525442004203796}],"sentiment":"neutral","sentiment_score":-0.0282229393946402,"num_words":33,"start":326.395,"end":355.44498},{"sentences":[{"text":"That's okay.","start":355.44498,"end":356.26498,"sentiment":"neutral","sentiment_score":-0.03277040924876928},{"text":"Yeah.","start":357.525,"end":357.845,"sentiment":"neutral","sentiment_score":0.00029647164046764374},{"text":"And you just have a little bit of exposure to the Van Eck Property Fund, which I just like to look at reviewing because it has been underperforming a little bit just with market conditions lately.","start":357.845,"end":367.09,"sentiment":"neutral","sentiment_score":-0.046273070542762675},{"text":"So in order for me to do that, what I do need to do is just go away, do a little bit of research, and have another chat with you in a couple in a week or two to just present the advice for those changes.","start":367.15,"end":381.445,"sentiment":"neutral","sentiment_score":-0.02814867987256983},{"text":"Is that okay?","start":381.585,"end":382.405,"sentiment":"neutral","sentiment_score":0.07212406396865845}],"sentiment":"neutral","sentiment_score":-0.03192661327987232,"num_words":88,"start":355.44498,"end":382.405},{"sentences":[{"text":"Alright.","start":385.025,"end":385.505,"sentiment":"neutral","sentiment_score":0.3000151813030243},{"text":"Great.","start":385.505,"end":386.005,"sentiment":"positive","sentiment_score":0.6037200689315796},{"text":"Any questions about any of that?","start":386.465,"end":388.32498,"sentiment":"neutral","sentiment_score":0.2877007722854614},{"text":"Okay.","start":391.425,"end":391.925,"sentiment":"neutral","sentiment_score":-0.026430096477270126},{"text":"With the access to super, I'll just briefly run over that.","start":392.45,"end":398.15,"sentiment":"neutral","sentiment_score":0.01361879918046973}],"sentiment":"neutral","sentiment_score":0.13766582892276347,"num_words":20,"start":385.025,"end":398.15},{"sentences":[{"text":"You can apply to access it for medical treatment.","start":398.53,"end":403.03,"sentiment":"neutral","sentiment_score":0.014968241254488627},{"text":"It needs to be a life threatening illness or injury.","start":404.53,"end":409.64502,"sentiment":"neutral","sentiment_score":-0.08960042893886566},{"text":"It needs to alleviate acute or chronic pain or alleviate an acute or chronic mental illness.","start":410.02502,"end":417.64502,"sentiment":"neutral","sentiment_score":-0.08951016026549041},{"text":"I don't have the full details.","start":417.945,"end":419.725,"sentiment":"neutral","sentiment_score":-0.2449870432416598},{"text":"I've only got basic details of what you discussed with Connor.","start":420.345,"end":426.18,"sentiment":"neutral","sentiment_score":-0.12936236370693555}],"sentiment":"neutral","sentiment_score":-0.09781463351100683,"num_words":52,"start":398.53,"end":426.18},{"sentences":[{"text":"But, basically, I believe that potentially your condition, depending on what your specialist is, could fit one of those areas.","start":427.36002,"end":437.405,"sentiment":"neutral","sentiment_score":-0.15033376216888428},{"text":"The yeah.","start":439.225,"end":442.605,"sentiment":"neutral","sentiment_score":0.22346681356430054},{"text":"Okay.","start":448.505,"end":448.98502,"sentiment":"neutral","sentiment_score":-0.013873852789402008},{"text":"Yep.","start":448.98502,"end":449.25,"sentiment":"neutral","sentiment_score":-0.022177692502737045},{"text":"Yep.","start":459.57,"end":460.07,"sentiment":"neutral","sentiment_score":-0.06656064093112946}],"sentiment":"neutral","sentiment_score":-0.10649415209889412,"num_words":25,"start":427.36002,"end":460.07},{"sentences":[{"text":"Yep.","start":484.08,"end":484.58,"sentiment":"neutral","sentiment_score":-0.12845534086227417},{"text":"Okay.","start":486.63998,"end":487.125,"sentiment":"neutral","sentiment_score":-0.10921989381313324},{"text":"Is the condition causing acute or chronic pain?","start":487.605,"end":493.305,"sentiment":"neutral","sentiment_score":-0.21281295455992222},{"text":"Yes.","start":497.045,"end":497.545,"sentiment":"neutral","sentiment_score":-0.11472424864768982},{"text":"Okay.","start":498.965,"end":499.465,"sentiment":"neutral","sentiment_score":-0.12280508875846864}],"sentiment":"neutral","sentiment_score":-0.1814756840467453,"num_words":12,"start":484.08,"end":499.465},{"sentences":[{"text":"Okay.","start":500.805,"end":501.305,"sentiment":"neutral","sentiment_score":-0.128844752907753},{"text":"So and it's not available through the public health system?","start":501.83002,"end":504.89,"sentiment":"neutral","sentiment_score":-0.22847229838371277},{"text":"Yep.","start":510.07,"end":510.57,"sentiment":"neutral","sentiment_score":0.05542455241084099},{"text":"Yes.","start":512.55,"end":512.95,"sentiment":"neutral","sentiment_score":0.11324287950992584},{"text":"Okay.","start":512.95,"end":513.45,"sentiment":"neutral","sentiment_score":0.09087817370891572}],"sentiment":"neutral","sentiment_score":-0.15385872365108558,"num_words":14,"start":500.805,"end":513.45},{"sentences":[{"text":"So what in order to try if the broker is and now there's no absolute, you know, way for us to say whether you would meet that the ATO would approve the access.","start":513.975,"end":528.39496,"sentiment":"neutral","sentiment_score":0.00871748894904599},{"text":"But what you would need to do to have it assessed is you would need a form completed by your specialist, and then you'd need the same form completed by your GP.","start":529.47,"end":546.265,"sentiment":"neutral","sentiment_score":0.042835833854041994},{"text":"So it's two doctors.","start":546.405,"end":547.545,"sentiment":"neutral","sentiment_score":0.023506284225732088},{"text":"Usually, you'd get the specialist to fill it out, and the GP would be aware of your situation, and theirs would be somewhat similar.","start":549.285,"end":556.5,"sentiment":"neutral","sentiment_score":0.032195409992709756},{"text":"Those forms are then submitted to the ATO through your myGov account, and then you'll hear from the ATO as to whether that is approved or not.","start":557.84,"end":568.82,"sentiment":"neutral","sentiment_score":0.04864966055309331}],"sentiment":"neutral","sentiment_score":0.031988996919244526,"num_words":120,"start":513.975,"end":568.82},{"sentences":[{"text":"That can take a few weeks for them to approve.","start":568.88,"end":572.755,"sentiment":"neutral","sentiment_score":-0.1297361247241497},{"text":"Well, up to a few weeks, I should say.","start":573.21497,"end":575.535,"sentiment":"neutral","sentiment_score":-0.0394709673192766},{"text":"Sometimes it's much quicker.","start":575.535,"end":576.995,"sentiment":"neutral","sentiment_score":0.068146837875247},{"text":"But the more information that the specialist provides on the form, the easier it is.","start":577.615,"end":582.99,"sentiment":"neutral","sentiment_score":0.1612538918852806},{"text":"So what I can do is I can email you that form so you have it if that's the road that you do need to go down.","start":583.47,"end":592.05,"sentiment":"neutral","sentiment_score":0.18814720572144897}],"sentiment":"neutral","sentiment_score":0.09413492817145128,"num_words":65,"start":568.88,"end":592.05},{"sentences":[{"text":"We're here to provide any answer any questions, but we can't apply for it for you on your behalf.","start":592.67,"end":600.645,"sentiment":"neutral","sentiment_score":0.054778302186413816},{"text":"But we can definitely help guide you with the process, and that's how you would do that.","start":601.105,"end":608.61,"sentiment":"positive","sentiment_score":0.3698134676498525},{"text":"So and the only funds you would be able to access is the amount for the surgery.","start":608.61,"end":616.47,"sentiment":"neutral","sentiment_score":0.11972500559161692},{"text":"So in that form, the specialist would need to provide a quote for what the cost is.","start":616.52997,"end":623.045,"sentiment":"neutral","sentiment_score":0.12146992806126089},{"text":"And you yeah.","start":624.225,"end":625.845,"sentiment":"neutral","sentiment_score":0.10759676247835159}],"sentiment":"neutral","sentiment_score":0.16096877878251142,"num_words":73,"start":592.67,"end":625.845},{"sentences":[{"text":"Yes.","start":628.065,"end":628.565,"sentiment":"neutral","sentiment_score":0.15600445866584778},{"text":"Yep.","start":628.625,"end":629.105,"sentiment":"neutral","sentiment_score":0.11670450866222382},{"text":"Okay.","start":629.105,"end":629.425,"sentiment":"neutral","sentiment_score":0.09999804198741911},{"text":"So that's fine.","start":629.425,"end":630.305,"sentiment":"neutral","sentiment_score":0.13099693382779756},{"text":"You just need them to so you can't apply for any able to work or anything like that.","start":630.305,"end":638.33,"sentiment":"neutral","sentiment_score":-0.01855010125372145}],"sentiment":"neutral","sentiment_score":0.01799149950966239,"num_words":24,"start":628.065,"end":638.33},{"sentences":[{"text":"The access to superannuation would be for the the medical expense only.","start":638.33,"end":642.67004,"sentiment":"neutral","sentiment_score":-0.045598679998268686},{"text":"Yes.","start":651.545,"end":652.045,"sentiment":"neutral","sentiment_score":-0.007746320217847824},{"text":"Yep.","start":662.12,"end":662.62,"sentiment":"neutral","sentiment_score":0.029498811811208725},{"text":"Mhmm.","start":669.32,"end":669.585,"sentiment":"neutral","sentiment_score":-0.004382212646305561},{"text":"Yes.","start":679.185,"end":679.42505,"sentiment":"neutral","sentiment_score":-0.021606579422950745}],"sentiment":"neutral","sentiment_score":-0.034463778778444976,"num_words":16,"start":638.33,"end":679.42505},{"sentences":[{"text":"So maybe when yeah.","start":679.42505,"end":682.005,"sentiment":"neutral","sentiment_score":-0.02342886826954782},{"text":"So maybe what you will need to do when you see the specialist, if you do decide to go down this path when they're completing the form for you, is ask them, is two hours realistic or whether they quote you on a higher amount of time.","start":682.16003,"end":697.765,"sentiment":"neutral","sentiment_score":-0.00807276098652089},{"text":"Because once you submit the application, you're only approved for the amount that's attached to the quote.","start":698.46497,"end":704.485,"sentiment":"neutral","sentiment_score":-0.033000432557481175},{"text":"So that would be a conversation that you would need to have with the specialist.","start":705.505,"end":709.125,"sentiment":"neutral","sentiment_score":-0.009707241381208102},{"text":"Okay?","start":711.12,"end":711.62,"sentiment":"neutral","sentiment_score":0.01004739198833704}],"sentiment":"neutral","sentiment_score":-0.013925045495852828,"num_words":84,"start":679.42505,"end":711.62},{"sentences":[{"text":"Do you have any questions for me or any other information that I can help you with?","start":712.96,"end":718.02,"sentiment":"neutral","sentiment_score":-0.001245601212277132},{"text":"Yeah.","start":722.8,"end":723.12,"sentiment":"neutral","sentiment_score":0.01227603293955326},{"text":"Of course.","start":723.12,"end":723.675,"sentiment":"neutral","sentiment_score":0.0071952310390770435},{"text":"Yes.","start":730.635,"end":731.035,"sentiment":"neutral","sentiment_score":0.027147185057401657},{"text":"Of course.","start":731.035,"end":731.695,"sentiment":"neutral","sentiment_score":0.035536445677280426}],"sentiment":"neutral","sentiment_score":0.004509189166128635,"num_words":23,"start":712.96,"end":731.695},{"sentences":[{"text":"Of course.","start":731.83496,"end":732.315,"sentiment":"neutral","sentiment_score":0.033963531255722046},{"text":"And you and if you need help navigating how to lodge that through that your myGov portal, We can assist with that, to talk you through that if you need to.","start":732.315,"end":742.8,"sentiment":"neutral","sentiment_score":0.026174487576128974},{"text":"You're absolutely welcome, Natalia.","start":745.82,"end":747.34,"sentiment":"positive","sentiment_score":0.3342829868197441},{"text":"We'll be in contact in about two weeks to present that advice for those changes.","start":747.34,"end":753.505,"sentiment":"neutral","sentiment_score":0.21448482275009156},{"text":"Wonderful.","start":755.08496,"end":755.58496,"sentiment":"positive","sentiment_score":0.6405267715454102}],"sentiment":"neutral","sentiment_score":0.1146088158008906,"num_words":53,"start":731.83496,"end":755.58496},{"sentences":[{"text":"Thank you.","start":756.125,"end":756.76495,"sentiment":"positive","sentiment_score":0.4114173352718353},{"text":"Enjoy your afternoon, and I hope your dad is feeling better.","start":756.76495,"end":759.665,"sentiment":"positive","sentiment_score":0.7042444781823591},{"text":"Thank you.","start":761.96497,"end":762.76495,"sentiment":"positive","sentiment_score":0.6720338463783264},{"text":"Bye.","start":762.76495,"end":763.26495,"sentiment":"positive","sentiment_score":0.3864773213863373}],"sentiment":"positive","sentiment_score":0.6437543090432882,"num_words":16,"start":756.125,"end":763.26495}]}}]},{"alternatives":[{"transcript":"Hello? Hi. This is Natalia. Hi. Hi. It is Natalia. How are you? Hi. How are you? I'm not too bad. Thank you. That's fine. Natalia Diskin, 06/06/1968, Unit 3612711277. Both in your work, mascot. Yes. Yes. Sure. Yes. Yes. I do. I do. I have not applied for the release of money from my super for compassionate grant yet. I'm trying to explore other options before I can dig in into my super. So I'm just waiting from a broker to hear whether I can borrow money or not. And if that is not possible, then I will have to go through this super. K. Yep. Yes. Mhmm. Gina, could you please I'm so sorry to cut you off, but I I can barely hear you. Can you just speak a little bit louder? Or I'm not too sure whether it's my phone or not, but it's almost like you're under the water. I'm so sorry. A little bit better. Not a 100%, but a little bit better. Mhmm. It's not much better, but it's better than before. Yeah. Yeah. If he if he if he yeah. That's fine. Yep. Mhmm. Let's let's just let's just talk. Yeah. Let's just talk, and then I'll let you know whether I can hear you properly or not. Mhmm. Mhmm. Mhmm. Mhmm. Yep. Mhmm. Yep. Mhmm. Yes. Sure. Yep. Yeah. Jenna, could you just give I'm so sorry. Could you just give me one second? I'm so sorry. I have my elderly dad that we're taking care of, and he my son just told me that he's not feeling well and he wants to lie down, but he will help me so we can continue talking. That's okay. That's fine. That's alright. Thank you so much. Yes. Yep. Mhmm. Yep. Absolutely. Absolutely. No. I totally understand everything. Mhmm. Mhmm. Mhmm. I'm happy I'm happy to share. I don't know whether I'm gonna share it with you. I'm happy to share. So when I was thirty thirty five years old, I had breast implants for a reason that I didn't have like, I I was born with no right right breast, so I, I had a breast surgery. And now these breast implants need to be removed, and I need to have reconstructive surgery. The part of the reconstructive surgery will be on a trial basis, and it will be free of charge. But the removal of breast implants, I need to pay from the pocket. And the payment is roughly it's $28,000. I thought to have at least 35,000 just so I I have money when I need to pay my bill. These breast implants are ruptured, and they need to be removed. No. It's it's it's it's a still plastic surgery, and it's only available through plastic surgeon. Mhmm. Mhmm. Mhmm. Mhmm. Mhmm. Mhmm. Mhmm. Okay. Yep. I do have I I do have coils already. Mhmm. Okay. Mhmm. Yeah. Yeah. That's exactly what I was I needed. Sometimes after the surgery, they sent extra bills as post surgery because let's say the surgery estimated because they they gave me only estimated time. So estimated time is two hours. And estimated time, I just received a a quote for from the unmetologist, and it's it's it's an estimate time. If surgery will go over two hour two hours, I will have to still pay that bill because it's an estimate cost. Mhmm. Mhmm. Got it. Mhmm. Got it. Yeah. Okay. Mhmm. Okay. No. That's that's no. That's all. If you could send me that form so I actually can go and speak to the surgeon and ask them to fill out the form so I can take it then to a GP. Mhmm. Okay. Okay. Fantastic. Thank you so much. Okay. Perfect. Mhmm. Perfect. Perfect. Thank you very much. Thank you. Thank you so much. I appreciate it. Thank you. Thanks. 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Hi. This is Natalia. Hi. Hi.\n\nIt is Natalia. How are you? Hi. How are you? I'm not too bad.\n\nThank you. That's fine. Natalia Diskin, 06/06/1968, Unit 3612711277. Both in your work, mascot. Yes.\n\nYes. Sure. Yes. Yes. I do.\n\nI do. I have not applied for the release of money from my super for compassionate grant yet. I'm trying to explore other options before I can dig in into my super. So I'm just waiting from a broker to hear whether I can borrow money or not. And if that is not possible, then I will have to go through this super.\n\nK. Yep. Yes. Mhmm. Gina, could you please I'm so sorry to cut you off, but I I can barely hear you.\n\nCan you just speak a little bit louder? Or I'm not too sure whether it's my phone or not, but it's almost like you're under the water. I'm so sorry. A little bit better. Not a 100%, but a little bit better.\n\nMhmm. It's not much better, but it's better than before. Yeah. Yeah. If he if he if he yeah.\n\nThat's fine. Yep. Mhmm. Let's let's just let's just talk. Yeah.\n\nLet's just talk, and then I'll let you know whether I can hear you properly or not. Mhmm. Mhmm. Mhmm. Mhmm.\n\nYep. Mhmm. Yep. Mhmm. Yes.\n\nSure. Yep. Yeah. Jenna, could you just give I'm so sorry. Could you just give me one second?\n\nI'm so sorry. I have my elderly dad that we're taking care of, and he my son just told me that he's not feeling well and he wants to lie down, but he will help me so we can continue talking. That's okay. That's fine. That's alright.\n\nThank you so much. Yes. Yep. Mhmm. Yep.\n\nAbsolutely. Absolutely. No. I totally understand everything. Mhmm.\n\nMhmm. Mhmm. I'm happy I'm happy to share. I don't know whether I'm gonna share it with you. I'm happy to share.\n\nSo when I was thirty thirty five years old, I had breast implants for a reason that I didn't have like, I I was born with no right right breast, so I, I had a breast surgery. And now these breast implants need to be removed, and I need to have reconstructive surgery. The part of the reconstructive surgery will be on a trial basis, and it will be free of charge. But the removal of breast implants, I need to pay from the pocket. And the payment is roughly it's $28,000.\n\nI thought to have at least 35,000 just so I I have money when I need to pay my bill. These breast implants are ruptured, and they need to be removed. No. It's it's it's it's a still plastic surgery, and it's only available through plastic surgeon. Mhmm.\n\nMhmm. Mhmm. Mhmm. Mhmm. Mhmm.\n\nMhmm. Okay. Yep. I do have I I do have coils already. Mhmm.\n\nOkay. Mhmm. Yeah. Yeah. That's exactly what I was I needed.\n\nSometimes after the surgery, they sent extra bills as post surgery because let's say the surgery estimated because they they gave me only estimated time. So estimated time is two hours. And estimated time, I just received a a quote for from the unmetologist, and it's it's it's an estimate time. If surgery will go over two hour two hours, I will have to still pay that bill because it's an estimate cost. Mhmm.\n\nMhmm. Got it. Mhmm. Got it. Yeah.\n\nOkay. Mhmm. Okay. No. That's that's no.\n\nThat's all. If you could send me that form so I actually can go and speak to the surgeon and ask them to fill out the form so I can take it then to a GP. Mhmm. Okay. Okay.\n\nFantastic. Thank you so much. Okay. Perfect. Mhmm.\n\nPerfect. Perfect. Thank you very much. Thank you. Thank you so much.\n\nI appreciate it. Thank you. Thanks. Bye bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.56,"end":1.06,"sentiment":"neutral","sentiment_score":0.01146833598613739},{"text":"Hi.","start":2.6399999,"end":2.8,"sentiment":"neutral","sentiment_score":0.04081984609365463},{"text":"This is Natalia.","start":2.8,"end":3.86,"sentiment":"neutral","sentiment_score":0.03193291462957859},{"text":"Hi.","start":4.56,"end":4.96,"sentiment":"neutral","sentiment_score":0.05857039242982864},{"text":"Hi.","start":4.96,"end":5.3599997,"sentiment":"neutral","sentiment_score":0.09270539879798888}],"sentiment":"neutral","sentiment_score":0.04276610245662076,"num_words":7,"start":0.56,"end":5.3599997},{"sentences":[{"text":"It is Natalia.","start":5.3599997,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.11169035236040752},{"text":"How are you?","start":6.3199997,"end":7.22,"sentiment":"neutral","sentiment_score":0.16439436872800192},{"text":"Hi.","start":12.08,"end":12.4,"sentiment":"neutral","sentiment_score":0.12791655957698822},{"text":"How are you?","start":12.4,"end":13.299999,"sentiment":"neutral","sentiment_score":0.13715848823388418},{"text":"I'm not too bad.","start":15.865,"end":16.664999,"sentiment":"neutral","sentiment_score":0.24456457793712616}],"sentiment":"neutral","sentiment_score":0.1675646070923124,"num_words":14,"start":5.3599997,"end":16.664999},{"sentences":[{"text":"Thank you.","start":16.664999,"end":17.405,"sentiment":"positive","sentiment_score":0.644087016582489},{"text":"That's fine.","start":25.545,"end":26.365,"sentiment":"neutral","sentiment_score":0.19789449125528336},{"text":"Natalia Diskin, 06/06/1968, Unit 3612711277.","start":34.18,"end":40.120003,"sentiment":"neutral","sentiment_score":0.02711956612765789},{"text":"Both in your work, 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do.","start":83.495,"end":83.975,"sentiment":"neutral","sentiment_score":0.011647965759038925},{"text":"I have not applied for the release of money from my super for compassionate grant yet.","start":83.975,"end":93.92999,"sentiment":"neutral","sentiment_score":-0.07886702660471201},{"text":"I'm trying to explore other options before I can dig in into my super.","start":94.31,"end":101.049995,"sentiment":"neutral","sentiment_score":-0.07077459166092533},{"text":"So I'm just waiting from a broker to hear whether I can borrow money or not.","start":102.905,"end":107.885,"sentiment":"neutral","sentiment_score":-0.09302471345290542},{"text":"And if that is not possible, then I will have to go through this 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could you just give I'm so sorry.","start":329.085,"end":330.925,"sentiment":"neutral","sentiment_score":-0.015958013013005257},{"text":"Could you just give me one second?","start":330.925,"end":332.465,"sentiment":"neutral","sentiment_score":-0.030925165196614608}],"sentiment":"neutral","sentiment_score":-0.003143508297701677,"num_words":18,"start":312.075,"end":332.465},{"sentences":[{"text":"I'm so sorry.","start":332.60498,"end":336.04498,"sentiment":"neutral","sentiment_score":-0.04601998751362165},{"text":"I have my elderly dad that we're taking care of, and he my son just told me that he's not feeling well and he wants to lie down, but he will help me so we can continue talking.","start":336.04498,"end":346.39,"sentiment":"neutral","sentiment_score":-0.11563121600958862},{"text":"That's okay.","start":348.77,"end":349.41,"sentiment":"neutral","sentiment_score":0.003571765497326851},{"text":"That's 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you.","start":756.395,"end":757.135,"sentiment":"positive","sentiment_score":0.4579426050186157},{"text":"Thank you so much.","start":759.755,"end":760.635,"sentiment":"positive","sentiment_score":0.8419336378574371}],"sentiment":"positive","sentiment_score":0.6197698165973028,"num_words":12,"start":753.355,"end":760.635},{"sentences":[{"text":"I appreciate it.","start":760.635,"end":761.59503,"sentiment":"positive","sentiment_score":0.8225380778312683},{"text":"Thank you.","start":761.59503,"end":762.335,"sentiment":"positive","sentiment_score":0.7630298733711243},{"text":"Thanks.","start":762.875,"end":763.355,"sentiment":"positive","sentiment_score":0.5690990686416626},{"text":"Bye bye.","start":763.355,"end":764.015,"sentiment":"neutral","sentiment_score":0.05860886350274086}],"sentiment":"positive","sentiment_score":0.5849988469853997,"num_words":8,"start":760.635,"end":764.015}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi. Is this\n\nChannel 1: Hi. This\n\nChannel 0: Natalia?\n\nChannel 1: is Natalia. Hi. Hi. It is Natalia. How are you?\n\nChannel 0: I'm well. Thank you. This is Jenna phoning from Oakview Financial.\n\nChannel 1: Hi. How are you?\n\nChannel 0: I'm Thanks. And yourself?\n\nChannel 1: I'm not too bad. Thank you.\n\nChannel 0: That's good. Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay?\n\nChannel 1: That's fine.\n\nChannel 0: Lovely. And, Natalia, can I please ask that you confirm your full name, date of birth, and address, please?\n\nChannel 1: Natalia Diskin, 06/06/1968, Unit 3612711277. Both in your work, mascot.\n\nChannel 0: Great. Thank you very much for confirming. The purpose of my call today is to follow-up on your review that you had with Connor just recently and just touch base about a few items that you raised with him, and that being the Compassionate Browns super claim. And I also just wanted to run through a couple of investment options within your super fund to look at flagging\n\nChannel 1: Yes.\n\nChannel 0: to replace, if that's okay.\n\nChannel 1: Yes. Sure.\n\nChannel 0: Yeah. So do you have about I don't believe it'll take very long, but do you have some time now to run through that?\n\nChannel 1: Yes. Yes. I do. I do. I have not applied for the release of money from my super for compassionate grant yet.\n\nI'm\n\nChannel 0: Yep.\n\nChannel 1: trying to explore other options before I can dig in into my super.\n\nChannel 0: Yep. Okay.\n\nChannel 1: So I'm just waiting from a broker to hear whether I can borrow money or not. And\n\nChannel 0: Okay.\n\nChannel 1: if that is not possible, then I will have to go through this super.\n\nChannel 0: Okay.\n\nChannel 1: K.\n\nChannel 0: I can run through with you the process for that anyway\n\nChannel 1: Yep.\n\nChannel 0: just so you're informed as well.\n\nChannel 1: Yes.\n\nChannel 0: Okay. So what I might do is start with the, some of the funds that we wanna look at replacing, within your portfolio.\n\nChannel 1: Mhmm.\n\nChannel 0: There's a couple in there. There's the Benelon Australian Equities Fund that has underperformed recently. And the reason why we are looking at a potential replacement as long as it puts you in a better position is simply because of their investment mandate. So the Australian share market has taken a dip recently, but the mandate of the Bennelong Fund is to find undervalued companies within the Australian share market.\n\nChannel 1: Gina, could you please I'm so sorry to cut you off, but I I can barely hear you. Can you just speak a little bit louder? Or\n\nChannel 0: Yeah. Of course.\n\nChannel 1: I'm not too sure whether it's my phone or not, but it's almost like\n\nChannel 0: I\n\nChannel 1: you're under the water. I'm so sorry.\n\nChannel 0: I get that a lot. I think it was the headset. Is this better when I hold it closer?\n\nChannel 1: A little bit better. Not a 100%, but a little bit better.\n\nChannel 0: No. Alright. Is that I'll try and speak up.\n\nChannel 1: Mhmm.\n\nChannel 0: Is that much better?\n\nChannel 1: It's not much better, but it's better than\n\nChannel 0: No?\n\nChannel 1: before.\n\nChannel 0: Would you like me to hang up and try again? Maybe we've got a bad line.\n\nChannel 1: Yeah. Yeah. If he if he if he yeah. That's fine. Yep.\n\nChannel 0: Yeah? Or did you wanna\n\nChannel 1: Mhmm.\n\nChannel 0: persevere for a little bit and we'll wait?\n\nChannel 1: Let's\n\nChannel 0: And if it\n\nChannel 1: let's\n\nChannel 0: gets\n\nChannel 1: just let's\n\nChannel 0: too bad\n\nChannel 1: just talk. Yeah. Let's just talk, and then I'll let you know whether I can hear you properly or not.\n\nChannel 0: okay. Fantastic. So as I was saying, the Bennelong Australian Equities Fund, we're looking at wanting to investigate replacements.\n\nChannel 1: Mhmm.\n\nChannel 0: The reason being is the investment mandate is to look at companies within the Australian share market that are potentially undervalued for growth\n\nChannel 1: Mhmm.\n\nChannel 0: opportunities. Within the period of underperformance,\n\nChannel 1: Mhmm.\n\nChannel 0: it's the banks and the resources that did better just due to the market activity and behavior, which happens from time to time.\n\nChannel 1: Mhmm.\n\nChannel 0: So\n\nChannel 1: Yep.\n\nChannel 0: rather than be reactive, we always just we hold and wait. But this it's we've now recommended that we look at replacing the Bed along Australian Equities Fund.\n\nChannel 1: Mhmm.\n\nChannel 0: So they're one of the ones we want to look at investigating further for you. Additionally, you've got some exposure to the beta shares hybrids bank hybrids.\n\nChannel 1: Yep.\n\nChannel 0: Now there is nothing in particular wrong with that investment at all. It's simply, more of a proactive approach that we're taking. The bank system in Australia is going to be phasing out hybrids from January 2027. So rather than wait and see, what I'd like to do now is look at alternatives because I don't know what the outcome is gonna be when the banks do phase\n\nChannel 1: Mhmm.\n\nChannel 0: it out. So\n\nChannel 1: Yes.\n\nChannel 0: I think\n\nChannel 1: Sure.\n\nChannel 0: my my approach is to take a proactive one rather than wait and see. And then\n\nChannel 1: Yep.\n\nChannel 0: you do have a little bit of property exposure in the Van Eck property funds. Property hasn't been doing great lately. What I would like to do is have a look at if\n\nChannel 1: Yeah.\n\nChannel 0: there's\n\nChannel 1: Jenna,\n\nChannel 0: any\n\nChannel 1: could\n\nChannel 0: alternate\n\nChannel 1: you just give I'm so sorry. Could you just give me one second? I'm\n\nChannel 0: Of course.\n\nChannel 1: so sorry. I have my elderly dad that we're taking care of, and he my son just told me that he's not feeling well and he wants to lie down, but he will help me so we can continue talking.\n\nChannel 0: Okay. I won't keep you long at\n\nChannel 1: That's\n\nChannel 0: all.\n\nChannel 1: okay. That's fine.\n\nChannel 0: I'm sorry to hear about your dad.\n\nChannel 1: That's alright. Thank you so much.\n\nChannel 0: No. That's okay. Yeah. And you just have a little bit of exposure to the Van Eck Property Fund, which I just like to look at reviewing because it has been underperforming a little bit\n\nChannel 1: Yes.\n\nChannel 0: just with market\n\nChannel 1: Yep.\n\nChannel 0: conditions lately.\n\nChannel 1: Mhmm.\n\nChannel 0: So in order for me to do that, what I do need to do is just go away, do a little bit of research, and have another chat with you in a couple in a week or two\n\nChannel 1: Yep.\n\nChannel 0: to just present the advice for those changes. Is that okay?\n\nChannel 1: Absolutely. Absolutely.\n\nChannel 0: Alright. Great. Any questions about any of that?\n\nChannel 1: No. I totally understand everything.\n\nChannel 0: Okay. With the access to super,\n\nChannel 1: Mhmm.\n\nChannel 0: I'll just briefly run over that. You can apply to access it for medical treatment. It needs to be a life threatening illness or injury. It needs to\n\nChannel 1: Mhmm.\n\nChannel 0: alleviate acute or chronic pain or alleviate an acute or chronic mental illness. I don't have the full details. I've only got basic details of what you discussed with Connor. But, basically, I believe that potentially your condition, depending on what your specialist is, could fit one of those areas.\n\nChannel 1: Mhmm. I'm\n\nChannel 0: The\n\nChannel 1: happy I'm happy to share. I don't know whether I'm gonna\n\nChannel 0: yeah.\n\nChannel 1: share it with you. I'm happy to share. So when I was thirty thirty five years old, I had breast implants\n\nChannel 0: Okay. Yep.\n\nChannel 1: for a reason that I didn't have like, I I was born with no right right breast, so I, I had a breast surgery. And now\n\nChannel 0: Yep.\n\nChannel 1: these breast implants need to be removed, and I need to have reconstructive surgery. The part of the reconstructive surgery will be on a trial basis, and it will be free of charge. But the removal of breast implants, I need to pay from the pocket. And the payment is roughly it's $28,000. I thought to have at least 35,000 just so I I have money when I need to\n\nChannel 0: Yep.\n\nChannel 1: pay my bill.\n\nChannel 0: Okay. Is the condition causing acute or chronic pain?\n\nChannel 1: These breast implants are\n\nChannel 0: Yes.\n\nChannel 1: ruptured, and they\n\nChannel 0: Okay.\n\nChannel 1: need to be removed.\n\nChannel 0: Okay. So and it's not available through the public health system?\n\nChannel 1: No. It's it's it's it's a still plastic surgery, and it's\n\nChannel 0: Yep.\n\nChannel 1: only available through plastic surgeon.\n\nChannel 0: Yes. Okay. So what in order to try if the broker is and now there's no absolute, you know, way for us to say whether you would meet that the ATO would approve the access.\n\nChannel 1: Mhmm.\n\nChannel 0: But what you would need to do to have it assessed is you would need a form completed by your specialist,\n\nChannel 1: Mhmm.\n\nChannel 0: and then you'd need the same form completed by your GP. So it's two doctors. Usually, you'd get the specialist to fill it out, and the GP\n\nChannel 1: Mhmm.\n\nChannel 0: would be aware of your situation, and theirs would be somewhat similar. Those forms are then submitted to the ATO through your myGov\n\nChannel 1: Mhmm.\n\nChannel 0: account, and then you'll hear from the ATO as to whether that is approved or not. That can\n\nChannel 1: Mhmm.\n\nChannel 0: take a few weeks for them to approve. Well, up to a few weeks, I should say. Sometimes it's much quicker. But the more information that the specialist provides on the form, the\n\nChannel 1: Mhmm.\n\nChannel 0: easier it is. So what I can do is I can email you that form so you have it if that's the road that you do need to go down.\n\nChannel 1: Mhmm.\n\nChannel 0: We're here to provide any answer any questions, but we can't apply for it for you on your behalf. But we can definitely help guide you with the process,\n\nChannel 1: Okay.\n\nChannel 0: and that's how you would do that. So and the only funds you would be able to access is the amount for the surgery. So in that form, the specialist would need to provide a quote for what the cost is.\n\nChannel 1: Yep. I do\n\nChannel 0: And\n\nChannel 1: have\n\nChannel 0: you yeah.\n\nChannel 1: I I do have coils already.\n\nChannel 0: Yes. Yep. Okay.\n\nChannel 1: Mhmm.\n\nChannel 0: So that's\n\nChannel 1: Okay.\n\nChannel 0: fine. You just need them to so you can't apply for any able to work or anything\n\nChannel 1: Mhmm.\n\nChannel 0: like that. The access to superannuation would be for the the medical expense only.\n\nChannel 1: Yeah. Yeah. That's exactly what I was I needed. Sometimes after the surgery, they sent extra bills\n\nChannel 0: Yes.\n\nChannel 1: as post surgery because let's say the surgery estimated because they they gave me only estimated time. So estimated time is two hours. And\n\nChannel 0: Yep.\n\nChannel 1: estimated time, I just received a a quote for from the unmetologist,\n\nChannel 0: Mhmm.\n\nChannel 1: and it's it's it's an estimate time. If surgery will go over two hour two hours, I will have to still pay that bill\n\nChannel 0: Yes.\n\nChannel 1: because\n\nChannel 0: So\n\nChannel 1: it's\n\nChannel 0: maybe\n\nChannel 1: an\n\nChannel 0: when\n\nChannel 1: estimate cost.\n\nChannel 0: yeah. So maybe what you will need to do when you see the specialist, if you do decide to go down this path when they're completing the form for you, is ask them, is two hours realistic or whether they quote you\n\nChannel 1: Mhmm.\n\nChannel 0: on a higher amount of time. Because once you submit the application, you're only approved for the amount that's attached\n\nChannel 1: Mhmm.\n\nChannel 0: to the\n\nChannel 1: Got\n\nChannel 0: quote.\n\nChannel 1: it. Mhmm. Got\n\nChannel 0: So\n\nChannel 1: it.\n\nChannel 0: that would be a conversation that you would need to have with the specialist.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Okay?\n\nChannel 1: Mhmm. Okay.\n\nChannel 0: Do you have any questions for me or any other information that I can help you\n\nChannel 1: No.\n\nChannel 0: with?\n\nChannel 1: That's that's no. That's all. If you could send me that form so I actually can\n\nChannel 0: Yeah. Of\n\nChannel 1: go\n\nChannel 0: course.\n\nChannel 1: and speak to the surgeon and ask them to fill out the form so I can take it then to a GP.\n\nChannel 0: Yes. Of course. Of course. And you and if you need help navigating how to lodge that through that your myGov portal, We can assist with that,\n\nChannel 1: Mhmm.\n\nChannel 0: to\n\nChannel 1: Okay.\n\nChannel 0: talk you through that if you need to.\n\nChannel 1: Okay. Fantastic. Thank you so much.\n\nChannel 0: You're absolutely welcome, Natalia. We'll be in contact in about two weeks\n\nChannel 1: Okay. Perfect.\n\nChannel 0: to present that advice for those\n\nChannel 1: Mhmm.\n\nChannel 0: changes.\n\nChannel 1: Perfect. Perfect. Thank you\n\nChannel 0: Wonderful.\n\nChannel 1: very much.\n\nChannel 0: Thank\n\nChannel 1: Thank\n\nChannel 0: you.\n\nChannel 1: you.\n\nChannel 0: Enjoy your afternoon, and I hope your dad is feeling better.\n\nChannel 1: Thank you so much. I appreciate it. Thank you.\n\nChannel 0: Thank you. Bye.\n\nChannel 1: Thanks. Bye bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.56,"end":1.06,"sentiment":"neutral","sentiment_score":0.01146833598613739}],"sentiment":"neutral","sentiment_score":0.01146833598613739,"channel":1,"num_words":1,"start":0.56,"end":1.06},{"sentences":[{"text":"Hi.","start":2.0,"end":2.32,"sentiment":"neutral","sentiment_score":0.030795317143201828},{"text":"Is this","start":2.32,"end":2.8799999,"sentiment":"neutral","sentiment_score":0.024471817538142204}],"sentiment":"neutral","sentiment_score":0.026579650739828747,"channel":0,"num_words":3,"start":2.0,"end":2.8799999},{"sentences":[{"text":"Hi.","start":2.6399999,"end":2.8,"sentiment":"neutral","sentiment_score":0.04081984609365463},{"text":"This","start":2.8,"end":3.28,"sentiment":"neutral","sentiment_score":0.04226858541369438}],"sentiment":"neutral","sentiment_score":0.04154421575367451,"channel":1,"num_words":2,"start":2.6399999,"end":3.28},{"sentences":[{"text":"Natalia?","start":2.8799999,"end":3.3799999,"sentiment":"neutral","sentiment_score":0.042126208543777466}],"sentiment":"neutral","sentiment_score":0.042126208543777466,"channel":0,"num_words":1,"start":2.8799999,"end":3.3799999},{"sentences":[{"text":"is Natalia.","start":3.28,"end":3.86,"sentiment":"neutral","sentiment_score":0.026765079237520695},{"text":"Hi.","start":4.56,"end":4.96,"sentiment":"neutral","sentiment_score":0.05857039242982864},{"text":"Hi.","start":4.96,"end":5.3599997,"sentiment":"neutral","sentiment_score":0.09270539879798888},{"text":"It is Natalia.","start":5.3599997,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.11169035236040752},{"text":"How are you?","start":6.3199997,"end":7.22,"sentiment":"neutral","sentiment_score":0.16439436872800192}],"sentiment":"neutral","sentiment_score":0.10330601129680872,"channel":1,"num_words":10,"start":3.28,"end":7.22},{"sentences":[{"text":"I'm well.","start":7.52,"end":8.0,"sentiment":"neutral","sentiment_score":0.30558088421821594},{"text":"Thank you.","start":8.0,"end":8.48,"sentiment":"positive","sentiment_score":0.52897709608078},{"text":"This is Jenna phoning from Oakview Financial.","start":8.48,"end":10.74,"sentiment":"neutral","sentiment_score":0.15803403513772146}],"sentiment":"neutral","sentiment_score":0.25230492786927655,"channel":0,"num_words":11,"start":7.52,"end":10.74},{"sentences":[{"text":"Hi.","start":12.08,"end":12.4,"sentiment":"neutral","sentiment_score":0.12791655957698822},{"text":"How are you?","start":12.4,"end":13.299999,"sentiment":"neutral","sentiment_score":0.13715848823388418}],"sentiment":"neutral","sentiment_score":0.1348480060696602,"channel":1,"num_words":4,"start":12.08,"end":13.299999},{"sentences":[{"text":"I'm Thanks.","start":13.44,"end":14.275,"sentiment":"neutral","sentiment_score":0.29125048220157623},{"text":"And yourself?","start":14.275,"end":14.855,"sentiment":"neutral","sentiment_score":0.15416954457759857}],"sentiment":"neutral","sentiment_score":0.2227100133895874,"channel":0,"num_words":4,"start":13.44,"end":14.855},{"sentences":[{"text":"I'm not too bad.","start":15.865,"end":16.664999,"sentiment":"neutral","sentiment_score":0.24456457793712616},{"text":"Thank you.","start":16.664999,"end":17.405,"sentiment":"positive","sentiment_score":0.644087016582489}],"sentiment":"positive","sentiment_score":0.37773872415224713,"channel":1,"num_words":6,"start":15.865,"end":17.405},{"sentences":[{"text":"That's good.","start":17.715,"end":18.515,"sentiment":"positive","sentiment_score":0.5716974437236786},{"text":"Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes.","start":18.515,"end":24.115,"sentiment":"neutral","sentiment_score":0.0451440260462139},{"text":"Is that okay?","start":24.115,"end":25.095,"sentiment":"neutral","sentiment_score":0.06491138537724812}],"sentiment":"neutral","sentiment_score":0.08487291580864362,"channel":0,"num_words":28,"start":17.715,"end":25.095},{"sentences":[{"text":"That's fine.","start":25.545,"end":26.365,"sentiment":"neutral","sentiment_score":0.19789449125528336}],"sentiment":"neutral","sentiment_score":0.19789449125528336,"channel":1,"num_words":2,"start":25.545,"end":26.365},{"sentences":[{"text":"Lovely.","start":26.994999,"end":27.395,"sentiment":"positive","sentiment_score":0.3489673435688019},{"text":"And, Natalia, can I please ask that you confirm your full name, date of birth, and address, please?","start":27.395,"end":33.46,"sentiment":"neutral","sentiment_score":0.06840280464126004}],"sentiment":"neutral","sentiment_score":0.08316935932165698,"channel":0,"num_words":19,"start":26.994999,"end":33.46},{"sentences":[{"text":"Natalia Diskin, 06/06/1968, Unit 3612711277.","start":34.18,"end":40.120003,"sentiment":"neutral","sentiment_score":0.02711956612765789},{"text":"Both in your work, mascot.","start":40.260002,"end":41.48,"sentiment":"neutral","sentiment_score":0.09782205522060394}],"sentiment":"neutral","sentiment_score":0.06247081067413092,"channel":1,"num_words":10,"start":34.18,"end":41.48},{"sentences":[{"text":"Great.","start":43.199997,"end":43.519997,"sentiment":"positive","sentiment_score":0.5655752420425415},{"text":"Thank you very much for confirming.","start":43.519997,"end":45.155003,"sentiment":"positive","sentiment_score":0.6924064854780833},{"text":"The purpose of my call today is to follow-up on your review that you had with Connor just recently and just touch base about a few items that you raised with him, and that being the Compassionate Browns super claim.","start":46.335003,"end":63.94,"sentiment":"neutral","sentiment_score":0.20716670881956817},{"text":"And I also just wanted to run through a couple of investment options within your super fund to look at flagging","start":64.32,"end":71.3,"sentiment":"neutral","sentiment_score":0.017094324919439498}],"sentiment":"neutral","sentiment_score":0.19655387251473525,"channel":0,"num_words":68,"start":43.199997,"end":71.3},{"sentences":[{"text":"Yes.","start":70.93,"end":71.43,"sentiment":"neutral","sentiment_score":-0.005953400395810604}],"sentiment":"neutral","sentiment_score":-0.005953400395810604,"channel":1,"num_words":1,"start":70.93,"end":71.43},{"sentences":[{"text":"to replace, if that's okay.","start":73.405,"end":75.105,"sentiment":"neutral","sentiment_score":-0.01521493997424841}],"sentiment":"neutral","sentiment_score":-0.01521493997424841,"channel":0,"num_words":5,"start":73.405,"end":75.105},{"sentences":[{"text":"Yes.","start":75.655,"end":75.735,"sentiment":"neutral","sentiment_score":0.023005157709121704},{"text":"Sure.","start":75.735,"end":76.235,"sentiment":"neutral","sentiment_score":0.0175356213003397}],"sentiment":"neutral","sentiment_score":0.0202703895047307,"channel":1,"num_words":2,"start":75.655,"end":76.235},{"sentences":[{"text":"Yeah.","start":76.685005,"end":77.085,"sentiment":"neutral","sentiment_score":-0.006857534870505333},{"text":"So do you have about I don't believe it'll take very long, but do you have some time now to run through that?","start":77.085,"end":82.305,"sentiment":"neutral","sentiment_score":-0.0665884904725396}],"sentiment":"neutral","sentiment_score":-0.06409970065578818,"channel":0,"num_words":24,"start":76.685005,"end":82.305},{"sentences":[{"text":"Yes.","start":82.455,"end":82.695,"sentiment":"neutral","sentiment_score":-0.007248406298458576},{"text":"Yes.","start":82.695,"end":83.015,"sentiment":"neutral","sentiment_score":0.011799130588769913},{"text":"I do.","start":83.015,"end":83.495,"sentiment":"neutral","sentiment_score":0.016207952052354813},{"text":"I do.","start":83.495,"end":83.975,"sentiment":"neutral","sentiment_score":0.011647965759038925},{"text":"I have not applied for the release of money from my super for compassionate grant yet.","start":83.975,"end":93.92999,"sentiment":"neutral","sentiment_score":-0.07886702660471201}],"sentiment":"neutral","sentiment_score":-0.05461863026192242,"channel":1,"num_words":22,"start":82.455,"end":93.92999},{"sentences":[{"text":"I'm","start":94.31,"end":94.549995,"sentiment":"neutral","sentiment_score":-0.05560670420527458}],"sentiment":"neutral","sentiment_score":-0.05560670420527458,"channel":1,"num_words":1,"start":94.31,"end":94.549995},{"sentences":[{"text":"Yep.","start":94.46,"end":94.96,"sentiment":"neutral","sentiment_score":-0.06251992285251617}],"sentiment":"neutral","sentiment_score":-0.06251992285251617,"channel":0,"num_words":1,"start":94.46,"end":94.96},{"sentences":[{"text":"trying to explore other options before I can dig in into my 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you","start":754.635,"end":755.115,"sentiment":"positive","sentiment_score":0.5775724947452545}],"sentiment":"positive","sentiment_score":0.4981810748577118,"channel":1,"num_words":4,"start":753.355,"end":755.115},{"sentences":[{"text":"Wonderful.","start":755.08496,"end":755.58496,"sentiment":"positive","sentiment_score":0.6405267715454102}],"sentiment":"positive","sentiment_score":0.6405267715454102,"channel":0,"num_words":1,"start":755.08496,"end":755.58496},{"sentences":[{"text":"very much.","start":755.115,"end":755.935,"sentiment":"positive","sentiment_score":0.580446869134903}],"sentiment":"positive","sentiment_score":0.580446869134903,"channel":1,"num_words":2,"start":755.115,"end":755.935},{"sentences":[{"text":"Thank","start":756.125,"end":756.445,"sentiment":"positive","sentiment_score":0.48612022399902344}],"sentiment":"positive","sentiment_score":0.48612022399902344,"channel":0,"num_words":1,"start":756.125,"end":756.445},{"sentences":[{"text":"Thank","start":756.395,"end":756.635,"sentiment":"positive","sentiment_score":0.53044193983078}],"sentiment":"positive","sentiment_score":0.53044193983078,"channel":1,"num_words":1,"start":756.395,"end":756.635},{"sentences":[{"text":"you.","start":756.445,"end":756.76495,"sentiment":"positive","sentiment_score":0.3367144465446472}],"sentiment":"positive","sentiment_score":0.3367144465446472,"channel":0,"num_words":1,"start":756.445,"end":756.76495},{"sentences":[{"text":"you.","start":756.635,"end":757.135,"sentiment":"positive","sentiment_score":0.3854432702064514}],"sentiment":"positive","sentiment_score":0.3854432702064514,"channel":1,"num_words":1,"start":756.635,"end":757.135},{"sentences":[{"text":"Enjoy your afternoon, and I hope your dad is feeling better.","start":756.76495,"end":759.665,"sentiment":"positive","sentiment_score":0.7042444781823591}],"sentiment":"positive","sentiment_score":0.7042444781823591,"channel":0,"num_words":11,"start":756.76495,"end":759.665},{"sentences":[{"text":"Thank you so much.","start":759.755,"end":760.635,"sentiment":"positive","sentiment_score":0.8419336378574371},{"text":"I appreciate it.","start":760.635,"end":761.59503,"sentiment":"positive","sentiment_score":0.8225380778312683},{"text":"Thank you.","start":761.59503,"end":762.335,"sentiment":"positive","sentiment_score":0.7630298733711243}],"sentiment":"positive","sentiment_score":0.8179342812962003,"channel":1,"num_words":9,"start":759.755,"end":762.335},{"sentences":[{"text":"Thank you.","start":761.96497,"end":762.76495,"sentiment":"positive","sentiment_score":0.6720338463783264},{"text":"Bye.","start":762.76495,"end":763.26495,"sentiment":"positive","sentiment_score":0.3864773213863373}],"sentiment":"positive","sentiment_score":0.5768483380476633,"channel":0,"num_words":3,"start":761.96497,"end":763.26495},{"sentences":[{"text":"Thanks.","start":762.875,"end":763.355,"sentiment":"positive","sentiment_score":0.5690990686416626},{"text":"Bye bye.","start":763.355,"end":764.015,"sentiment":"neutral","sentiment_score":0.05860886350274086}],"sentiment":"neutral","sentiment_score":0.22877226521571478,"channel":1,"num_words":3,"start":762.875,"end":764.015}]},"summary":{"result":"success","short":"Representatives from Oakview Financial speak with Natalia to discuss her investment portfolio and potential replacements for her super fund and Australian share market. They suggest a proactive approach and advise her to fill out a form and submit it to her insurance company for assistance with navigating the process. Health issues and reconstruction surgery are also discussed. The customer is advised to fill out a form and submit it to their insurance company for approval."},"intents":{"segments":[{"text":"Thank you very much for confirming. The purpose of my call today is to follow-up on your review that you had with Connor just recently and just touch base about a few items that you raised with him, and that being the Compassionate Browns super claim.","start_word":102,"end_word":147,"intents":[{"intent":"Follow-up on review","confidence_score":0.6405405},{"intent":"Follow-up on review","confidence_score":0.00011773687}]},{"text":"Thank you very much for confirming. The purpose of my call today is to follow-up on your review that you had with Connor just recently and just touch base about a few items that you raised with him, and that being the Compassionate Browns super claim. And I also just wanted to run through a couple of investment options within your super fund to look at flagging Yes.","start_word":102,"end_word":169,"intents":[{"intent":"Explore investment options","confidence_score":0.19222267}]},{"text":"I have not applied for the release of money from my super for compassionate grant yet. I'm Yep.","start_word":207,"end_word":224,"intents":[{"intent":"Apply for grant","confidence_score":0.21525715}]},{"text":"trying to explore other options before I can dig in into my super. Yep.","start_word":225,"end_word":238,"intents":[{"intent":"Explore other options","confidence_score":0.1773911}]},{"text":"So what I might do is start with the, some of the funds that we wanna look at replacing, within your portfolio. Mhmm.","start_word":294,"end_word":316,"intents":[{"intent":"Start with funds","confidence_score":0.083779104}]},{"text":"And the reason why we are looking at a potential replacement as long as it puts you in a better position is simply because of their investment mandate.","start_word":332,"end_word":359,"intents":[{"intent":"Explore replacement options","confidence_score":0.011856705}]},{"text":"Now there is nothing in particular wrong with that investment at all. It's simply, more of a proactive approach that we're taking. The bank system in Australia is going to be phasing out hybrids from January 2027. So rather than wait and see, what I'd like to do now is look at alternatives because I don't know what the outcome is gonna be when the banks do phase Mhmm. it out. So Yes.","start_word":700,"end_word":772,"intents":[{"intent":"Evaluate investment options","confidence_score":0.04808557}]},{"text":"You can apply to access it for medical treatment. It needs to be a life threatening illness or injury. It needs to Mhmm. alleviate acute or chronic pain or alleviate an acute or chronic mental illness. I don't have the full details. I've only got basic details of what you discussed with Connor. But, basically, I believe that potentially your condition, depending on what your specialist is, could fit one of those areas.","start_word":1034,"end_word":1106,"intents":[{"intent":"Discuss medical treatment options","confidence_score":0.012716136}]},{"text":"It's it's it's it's a still plastic surgery, and it's Yep. only available through plastic surgeon. Yes. Okay.","start_word":1281,"end_word":1298,"intents":[{"intent":"Inquire about surgery availability","confidence_score":0.00019323485}]},{"text":"But what you would need to do to have it assessed is you would need a form completed by your specialist, Mhmm. and then you'd need the same form completed by your GP.","start_word":1332,"end_word":1364,"intents":[{"intent":"Identify need for form","confidence_score":0.0036190178},{"intent":"Request specialist's form","confidence_score":0.08730614},{"intent":"Confirm completion of form","confidence_score":0.0002429367}]},{"text":"take a few weeks for them to approve.","start_word":1425,"end_word":1432,"intents":[{"intent":"Express uncertainty about approval process","confidence_score":0.00013247301}]},{"text":"So maybe what you will need to do when you see the specialist, if you do decide to go down this path when they're completing the form for you, is ask them, is two hours realistic or whether they quote you Mhmm.","start_word":1703,"end_word":1744,"intents":[{"intent":"Discuss procedures","confidence_score":0.0009436714}]},{"text":"Do you have any questions for me or any other information that I can help you No. with?","start_word":1794,"end_word":1811,"intents":[{"intent":"Provide information","confidence_score":0.047311265}]},{"text":"Perfect. to present that advice for those Mhmm. changes. Perfect.","start_word":1911,"end_word":1920,"intents":[{"intent":"Present advice","confidence_score":0.036155913}]}]},"sentiments":{"segments":[{"text":"Hello? Hi. Is this Hi. This Natalia? is Natalia. Hi. Hi. It is Natalia. How are you? I'm well.","start_word":0,"end_word":18,"sentiment":"neutral","sentiment_score":0.1023951694369316},{"text":"Thank you.","start_word":19,"end_word":20,"sentiment":"positive","sentiment_score":0.508599042892456},{"text":"This is Jenna phoning from Oakview Financial. Hi. How are you? I'm Thanks. And yourself? I'm not too bad.","start_word":21,"end_word":39,"sentiment":"neutral","sentiment_score":0.19044071435928345},{"text":"Thank you. That's good.","start_word":40,"end_word":43,"sentiment":"positive","sentiment_score":0.5986480712890625},{"text":"Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? That's fine.","start_word":44,"end_word":71,"sentiment":"neutral","sentiment_score":0.06834031641483307},{"text":"Lovely.","start_word":72,"end_word":72,"sentiment":"positive","sentiment_score":0.3489673435688019},{"text":"And, Natalia, can I please ask that you confirm your full name, date of birth, and address, please? Natalia Diskin, 06/06/1968, Unit 3612711277. Both in your work, mascot.","start_word":73,"end_word":100,"sentiment":"neutral","sentiment_score":0.06406845897436142},{"text":"Great. Thank you very much for confirming.","start_word":101,"end_word":107,"sentiment":"positive","sentiment_score":0.6641611456871033},{"text":"The purpose of my call today is to follow-up on your review that you had with Connor just recently and just touch base about a few items that you raised with him, and that being the Compassionate Browns super claim. And I also just wanted to run through a couple of investment options within your super fund to look at flagging Yes. to replace, if that's okay. Yes. Sure. Yeah. So do you have about I don't believe it'll take very long, but do you have some time now to run through that? Yes. Yes. I do. I do. I have not applied for the release of money from my super for compassionate grant yet. I'm Yep. trying to explore other options before I can dig in into my super. Yep. Okay. So I'm just waiting from a broker to hear whether I can borrow money or not. And Okay. if that is not possible, then I will have to go through this super. Okay. K. I can run through with you the process for that anyway Yep. just so you're informed as well. Yes. Okay. So what I might do is start with the, some of the funds that we wanna look at replacing, within your portfolio. Mhmm. There's a couple in there. There's the Benelon Australian Equities Fund that has underperformed recently. And the reason why we are looking at a potential replacement as long as it puts you in a better position is simply because of their investment mandate. So the Australian share market has taken a dip recently, but the mandate of the Bennelong Fund is to find undervalued companies within the Australian share market. Gina, could you please I'm so sorry to cut you off, but I I can barely hear you. Can you just speak a little bit louder? Or Yeah. Of course. I'm not too sure whether it's my phone or not, but it's almost like I you're under the water. I'm so sorry. I get that a lot. I think it was the headset. Is this better when I hold it closer? A little bit better. Not a 100%, but a little bit better. No. Alright. Is that I'll try and speak up. Mhmm. Is that much better? It's not much better, but it's better than No? before. Would you like me to hang up and try again?","start_word":108,"end_word":503,"sentiment":"neutral","sentiment_score":-0.04052990870291574},{"text":"Maybe we've got a bad line.","start_word":504,"end_word":509,"sentiment":"negative","sentiment_score":-0.3728399872779846},{"text":"Yeah. Yeah. If he if he if he yeah. That's fine. Yep. Yeah? Or did you wanna Mhmm. persevere for a little bit and we'll wait? Let's And if it let's gets just let's too bad just talk. Yeah. Let's just talk, and then I'll let you know whether I can hear you properly or not. okay.","start_word":510,"end_word":566,"sentiment":"neutral","sentiment_score":-0.025006867945194244},{"text":"Fantastic.","start_word":567,"end_word":567,"sentiment":"positive","sentiment_score":0.5216435790061951},{"text":"So as I was saying, the Bennelong Australian Equities Fund, we're looking at wanting to investigate replacements. Mhmm. The reason being is the investment mandate is to look at companies within the Australian share market that are potentially undervalued for growth Mhmm. opportunities. Within the period of underperformance, Mhmm. it's the banks and the resources that did better just due to the market activity and behavior, which happens from time to time. Mhmm. So Yep. rather than be reactive, we always just we hold and wait. But this it's we've now recommended that we look at replacing the Bed along Australian Equities Fund. Mhmm. So they're one of the ones we want to look at investigating further for you. Additionally, you've got some exposure to the beta shares hybrids bank hybrids. Yep. Now there is nothing in particular wrong with that investment at all. It's simply, more of a proactive approach that we're taking. The bank system in Australia is going to be phasing out hybrids from January 2027. So rather than wait and see, what I'd like to do now is look at alternatives because I don't know what the outcome is gonna be when the banks do phase Mhmm. it out. So Yes. I think Sure. my my approach is to take a proactive one rather than wait and see. And then Yep. you do have a little bit of property exposure in the Van Eck property funds. Property hasn't been doing great lately. What I would like to do is have a look at if Yeah. there's Jenna, any could alternate you just give I'm so sorry. Could you just give me one second? I'm Of course. so sorry. I have my elderly dad that we're taking care of, and he my son just told me that he's not feeling well and he wants to lie down, but he will help me so we can continue talking. Okay. I won't keep you long at That's all. okay. That's fine. I'm sorry to hear about your dad. That's alright. Thank you so much. No. That's okay. Yeah. And you just have a little bit of exposure to the Van Eck Property Fund, which I just like to look at reviewing because it has been underperforming a little bit Yes. just with market Yep. conditions lately. Mhmm. So in order for me to do that, what I do need to do is just go away, do a little bit of research, and have another chat with you in a couple in a week or two Yep. to just present the advice for those changes. Is that okay? Absolutely. Absolutely. Alright.","start_word":568,"end_word":1008,"sentiment":"neutral","sentiment_score":0.012521783822340692},{"text":"Great.","start_word":1009,"end_word":1009,"sentiment":"positive","sentiment_score":0.6037200689315796},{"text":"Any questions about any of that? No. I totally understand everything. Okay. With the access to super, Mhmm. I'll just briefly run over that. You can apply to access it for medical treatment. It needs to be a life threatening illness or injury. It needs to Mhmm. alleviate acute or chronic pain or alleviate an acute or chronic mental illness. I don't have the full details. I've only got basic details of what you discussed with Connor. But, basically, I believe that potentially your condition, depending on what your specialist is, could fit one of those areas. Mhmm.","start_word":1010,"end_word":1107,"sentiment":"neutral","sentiment_score":-0.06830994039773941},{"text":"I'm The happy I'm happy to share.","start_word":1108,"end_word":1114,"sentiment":"positive","sentiment_score":0.3794734477996826},{"text":"I don't know whether I'm gonna yeah. share it with you.","start_word":1115,"end_word":1125,"sentiment":"neutral","sentiment_score":0.11169653385877608},{"text":"I'm happy to share.","start_word":1126,"end_word":1129,"sentiment":"positive","sentiment_score":0.3866155445575714},{"text":"So when I was thirty thirty five years old, I had breast implants Okay. Yep. for a reason that I didn't have like, I I was born with no right right breast, so I, I had a breast surgery. And now Yep. these breast implants need to be removed, and I need to have reconstructive surgery. The part of the reconstructive surgery will be on a trial basis, and it will be free of charge. But the removal of breast implants, I need to pay from the pocket. And the payment is roughly it's $28,000. I thought to have at least 35,000 just so I I have money when I need to Yep. pay my bill. Okay. Is the condition causing acute or chronic pain? These breast implants are Yes. ruptured, and they Okay. need to be removed. Okay. So and it's not available through the public health system? No. It's it's it's it's a still plastic surgery, and it's Yep. only available through plastic surgeon. Yes. Okay. So what in order to try if the broker is and now there's no absolute, you know, way for us to say whether you would meet that the ATO would approve the access. Mhmm. But what you would need to do to have it assessed is you would need a form completed by your specialist, Mhmm. and then you'd need the same form completed by your GP. So it's two doctors. Usually, you'd get the specialist to fill it out, and the GP Mhmm. would be aware of your situation, and theirs would be somewhat similar. Those forms are then submitted to the ATO through your myGov Mhmm. account, and then you'll hear from the ATO as to whether that is approved or not. That can Mhmm. take a few weeks for them to approve. Well, up to a few weeks, I should say. Sometimes it's much quicker. But the more information that the specialist provides on the form, the Mhmm. easier it is. So what I can do is I can email you that form so you have it if that's the road that you do need to go down. Mhmm. We're here to provide any answer any questions, but we can't apply for it for you on your behalf.","start_word":1130,"end_word":1508,"sentiment":"neutral","sentiment_score":-0.02203191260470564},{"text":"But we can definitely help guide you with the process, Okay.","start_word":1509,"end_word":1519,"sentiment":"positive","sentiment_score":0.43281248211860657},{"text":"and that's how you would do that. So and the only funds you would be able to access is the amount for the surgery. So in that form, the specialist would need to provide a quote for what the cost is. Yep. I do And have you yeah. I I do have coils already. Yes. Yep. Okay. Mhmm. So that's Okay. fine. You just need them to so you can't apply for any able to work or anything Mhmm. like that. The access to superannuation would be for the the medical expense only. Yeah. Yeah. That's exactly what I was I needed. Sometimes after the surgery, they sent extra bills Yes. as post surgery because let's say the surgery estimated because they they gave me only estimated time. So estimated time is two hours. Yep. And estimated time, I just received a a quote for from the unmetologist, Mhmm. and it's it's it's an estimate time. If surgery will go over two hour two hours, I will have to still pay that bill Yes. because So it's maybe an when estimate cost. yeah. So maybe what you will need to do when you see the specialist, if you do decide to go down this path when they're completing the form for you, is ask them, is two hours realistic or whether they quote you Mhmm. on a higher amount of time. Because once you submit the application, you're only approved for the amount that's attached Mhmm. to the Got quote. it. Mhmm. Got So it. that would be a conversation that you would need to have with the specialist. Yeah. Okay. Okay? Mhmm. Okay. Do you have any questions for me or any other information that I can help you No. with? That's that's no. That's all. If you could send me that form so I actually can Yeah. Of go course. and speak to the surgeon and ask them to fill out the form so I can take it then to a GP. Yes. Of course. Of course. And you and if you need help navigating how to lodge that through that your myGov portal, We can assist with that, Mhmm. to Okay. talk you through that if you need to. Okay.","start_word":1520,"end_word":1892,"sentiment":"neutral","sentiment_score":0.015526636526108428},{"text":"Fantastic. Thank you so much.","start_word":1893,"end_word":1897,"sentiment":"positive","sentiment_score":0.42866039276123047},{"text":"You're absolutely welcome, Natalia. We'll be in contact in about two weeks Okay.","start_word":1898,"end_word":1910,"sentiment":"neutral","sentiment_score":0.2461100071668625},{"text":"Perfect.","start_word":1911,"end_word":1911,"sentiment":"positive","sentiment_score":0.3651434183120727},{"text":"to present that advice for those Mhmm. changes.","start_word":1912,"end_word":1919,"sentiment":"neutral","sentiment_score":0.20535174012184143},{"text":"Perfect. Perfect. Thank you Wonderful. very much. Thank Thank you. you. Enjoy your afternoon, and I hope your dad is feeling better. Thank you so much. I appreciate it. Thank you. Thank you. Bye. Thanks.","start_word":1920,"end_word":1954,"sentiment":"positive","sentiment_score":0.6361595647675651},{"text":"Bye bye.","start_word":1955,"end_word":1956,"sentiment":"neutral","sentiment_score":0.27870994806289673}],"average":{"sentiment":"neutral","sentiment_score":0.02143648429587212}}}}