{"metadata":{"transaction_key":"deprecated","request_id":"72af954a-5a43-4bb5-8e05-8257f74ec134","sha256":"422a6c4ad5e39d2668e5c90c32c0c92ff72ba9de0ec1d16267fdbcf167e6d35c","created":"2026-03-05T06:13:15.973Z","duration":642.31195,"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":2539,"output_tokens":97},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":2809,"output_tokens":2815},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":2809,"output_tokens":217}},"results":{"channels":[{"alternatives":[{"transcript":"Good afternoon, Zoran. It's Kyle calling from OQ Financial. How's it going today? Yeah. Not too bad. Thanks for asking. I just scheduled in. I know you rang in this morning just to go over a few questions you had regarding the advice. Yep. So without discussing any personal details, obviously, this is gonna pass through security. Obviously, I know it's you. But, yeah, if you if you were happy with everything, I can resend the link. You would have to sign that statement of advice to go ahead with everything. And then even then, if you wanted to book in a time to go through that insurance application to update those insurances to lower that premium as well, then I can get you booked in to do that pre assessment either maybe tomorrow afternoon or sometime next week. The person that does it won't be in the office past 02:30. So the latest they could probably do would probably be 1PM tomorrow. Otherwise, they can do sometime next week, even the same, like, 4PM our time next Monday. No problem. Obviously, we'll have to sign that document before then, Zoran, to make sure that you're happy with everything. Obviously, did you have any questions regarding the document itself or any other things regarding that? Yep. So if I could just pass you security, I'll talk to the actual amount just to refresh your memory there. Just if you could just go with your name, date of birth, current address, I'll, you know, talk about your actual personal details there. Perfect. Thanks for that one there, Zoran. Now in regards to what you've got and what you're replacing there, so currently, you've got that Neos policy for around $3.10 for life and total parent disability, and then the income protection's around 8,600 as a monthly benefit with a month wait and a five year benefit period. Now what you'll be replacing that with the like you said, the premium does come down, and then it's only reducing down slightly to the 300,000 of life and TBD just because the CPO, and then the income protection is dropping to just the 7,000 monthly benefit just because you were comfortable with that and you didn't feel like you needed much more than that to cover your ongoing expenses. And with that oh, once rewriting the policy that in turn lowers the premium and then also lowering the the cover amount slightly also helps with, like, carving that premium, Nilan. Dependalone. Yeah. Even from the time when you've sort of been reviewing that one, like, been long hasn't really done much. It's gone up a little bit, and it's gone back down a little bit. So even from the time for you reading the the document, it's still kind of stagnant in the loss it's already made. So you're probably like, you you're just better off being in something else where even though you're taking the loss, it offsets that capital gain. It's in something that will be making a return as opposed to what Ben Long's currently trying to recover from. The the capital gains. Yeah. So the the Benelon will help offset a lot of that. But in saying that, there will be slight capital gains that will come with that switch. And then with that, the majority of, like, that would come from, you know, selling fully out of that Miski investment, which is like an investment in the Europe, Asia sort of area outside The US. And then you'll be switching to the Vanguard, which will be replacing that. And then the the Australian beta shares will replace majority of the the Benelon because it's an Australian equities. And then you'll have some bank hybrids there. They're a little bit defensive as well. And then being in an index investment as opposed to like, more passively as opposed to the active management, you still have the same allocation to those growth assets, maybe slightly less. That's mean you're still positioning yourself for that long term sustained growth in that sort of risk profile, but you don't have that manager risk, especially with what's going on in the markets at the moment. It's a lot harder to pick and choose given that it's not the the regular kind of markets with the way the world is going. So it may still be a bit of a rough year just given, you know, the wars that are kicking off with Iran and, you know, Venezuela, The US. They're all sort of having a go at each other in Israel. But in saying that, this should perform better than what you currently end given that Benelon is a large majority of your portfolio. We're diversifying a little bit better as well. So, yeah, there is that slight capital gains cost. I'll just quickly bring up the rest of the fees. I'm not just making up figures off the top of my head. Bear with me two seconds. So, yeah, $539 with the CGT. Obviously, that could change slightly depending on the the markets at the time because it is fluctuating daily. So that was the estimated based on the balance. We get an upfront for rewriting the policy there with Clearview. So we get 66% of the premium that you do pay to them for setting up the policy. We don't get charged like, we don't charge that to you on top of what you're paying as those premiums. It's what the insurer pays to us for putting the work in for setting up the policy. In addition to maintaining it, we do get 22 of the ongoing premium, which is around 649. And then the ongoing fee is 1.1 because you're coupled up with your partner because she is on board. It's around 3,932 as an estimate, but that's charged monthly as just being an ongoing client. It's not like an additional cost that you pay as well, like, as an upfront. It's just what what you pay on ongoing there. So in terms of, like, the investment costs you'll be paying, so that was the fees that come directly to Oakview as part of managing your portfolio and insurances. As far as the cost of the ongoing investments, you're actually saving money by getting rid of the managed investment there. So the ongoing investment fee is around 547 down from 1,928. There's other fees associated as well that have gone down from $2.60 to 93. The adviser fee, just given that the balance change as well, is estimated to be roughly the the same with the the slight change in the the cost. But, obviously, that's the fee that I disclosed to you as well. Your contributions will be going up. So with that, the funds under management, obviously, it's percentage based, so that will contribute to you paying us as, like, ongoing as well. Something just to be mindful of even though it's not huge. And then your insurance premiums will be nearly halved as well. So a lot of ongoing savings there that you'll be having moving forward as opposed to what you're you're currently paying. Perfect. So I'll resend that now. It should just pop up to the top of your inbox. So you just click on the link and just follow the signing steps. It's important to draw your signature to your actual signature, not to just prefill it. It'll prefill it with your name in cursive, which is stupid, I know, but it does prompt just to do that to make sure you are drawing a signature if it's the first time you're using it there. Yeah. And then not not a problem at all, Zoran. More than fine. You still got plenty of time. As long as it's signed before your personal statement on Monday there, it shouldn't have any towards anything. I'll just double check everything else. I don't believe we need anything else. The ID is up to date, so that should all be fine. As far as, like, the next steps following that, obviously, you've got your personal statement booked in, so that'll get the ball rolling with the insurance side of things. Obviously, you're you're monitoring your income statement and then also your salary sacrifice with myGov just to make sure. We did illustrate that in the document that you already increased it. Just something to be mindful of to keep an eye on that moving forward. And then other than that, they'll change the investment in the back end once that's signed and saved down and everything as well. No problem. Anything else for me, Zoran, while you've got me? Not a problem at all, Zoran. Happy to help. Any other questions you might have or if you do have any questions when I you'll be speaking with my colleague, Jack, I believe. If he's not available, it might be someone else. But then following from that, if I'm available and you wanna have a quick chat about anything, feel free to just let Jack know. No no problem, Zoe. You enjoy the rest of your day. Thanks for your time. Cheers. 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afternoon, Zoran. It's Kyle calling from OQ Financial. How's it going today? Yeah. Not too bad.\n\nThanks for asking. I just scheduled in. I know you rang in this morning just to go over a few questions you had regarding the advice. Yep. So without discussing any personal details, obviously, this is gonna pass through security.\n\nObviously, I know it's you. But, yeah, if you if you were happy with everything, I can resend the link. You would have to sign that statement of advice to go ahead with everything. And then even then, if you wanted to book in a time to go through that insurance application to update those insurances to lower that premium as well, then I can get you booked in to do that pre assessment either maybe tomorrow afternoon or sometime next week. The person that does it won't be in the office past 02:30.\n\nSo the latest they could probably do would probably be 1PM tomorrow. Otherwise, they can do sometime next week, even the same, like, 4PM our time next Monday. No problem. Obviously, we'll have to sign that document before then, Zoran, to make sure that you're happy with everything. Obviously, did you have any questions regarding the document itself or any other things regarding that?\n\nYep. So if I could just pass you security, I'll talk to the actual amount just to refresh your memory there. Just if you could just go with your name, date of birth, current address, I'll, you know, talk about your actual personal details there. Perfect. Thanks for that one there, Zoran.\n\nNow in regards to what you've got and what you're replacing there, so currently, you've got that Neos policy for around $3.10 for life and total parent disability, and then the income protection's around 8,600 as a monthly benefit with a month wait and a five year benefit period. Now what you'll be replacing that with the like you said, the premium does come down, and then it's only reducing down slightly to the 300,000 of life and TBD just because the CPO, and then the income protection is dropping to just the 7,000 monthly benefit just because you were comfortable with that and you didn't feel like you needed much more than that to cover your ongoing expenses. And with that oh, once rewriting the policy that in turn lowers the premium and then also lowering the the cover amount slightly also helps with, like, carving that premium, Nilan. Dependalone. Yeah.\n\nEven from the time when you've sort of been reviewing that one, like, been long hasn't really done much. It's gone up a little bit, and it's gone back down a little bit. So even from the time for you reading the the document, it's still kind of stagnant in the loss it's already made. So you're probably like, you you're just better off being in something else where even though you're taking the loss, it offsets that capital gain. It's in something that will be making a return as opposed to what Ben Long's currently trying to recover from.\n\nThe the capital gains. Yeah. So the the Benelon will help offset a lot of that. But in saying that, there will be slight capital gains that will come with that switch. And then with that, the majority of, like, that would come from, you know, selling fully out of that Miski investment, which is like an investment in the Europe, Asia sort of area outside The US.\n\nAnd then you'll be switching to the Vanguard, which will be replacing that. And then the the Australian beta shares will replace majority of the the Benelon because it's an Australian equities. And then you'll have some bank hybrids there. They're a little bit defensive as well. And then being in an index investment as opposed to like, more passively as opposed to the active management, you still have the same allocation to those growth assets, maybe slightly less.\n\nThat's mean you're still positioning yourself for that long term sustained growth in that sort of risk profile, but you don't have that manager risk, especially with what's going on in the markets at the moment. It's a lot harder to pick and choose given that it's not the the regular kind of markets with the way the world is going. So it may still be a bit of a rough year just given, you know, the wars that are kicking off with Iran and, you know, Venezuela, The US. They're all sort of having a go at each other in Israel. But in saying that, this should perform better than what you currently end given that Benelon is a large majority of your portfolio.\n\nWe're diversifying a little bit better as well. So, yeah, there is that slight capital gains cost. I'll just quickly bring up the rest of the fees. I'm not just making up figures off the top of my head. Bear with me two seconds.\n\nSo, yeah, $539 with the CGT. Obviously, that could change slightly depending on the the markets at the time because it is fluctuating daily. So that was the estimated based on the balance. We get an upfront for rewriting the policy there with Clearview. So we get 66% of the premium that you do pay to them for setting up the policy.\n\nWe don't get charged like, we don't charge that to you on top of what you're paying as those premiums. It's what the insurer pays to us for putting the work in for setting up the policy. In addition to maintaining it, we do get 22 of the ongoing premium, which is around 649. And then the ongoing fee is 1.1 because you're coupled up with your partner because she is on board. It's around 3,932 as an estimate, but that's charged monthly as just being an ongoing client.\n\nIt's not like an additional cost that you pay as well, like, as an upfront. It's just what what you pay on ongoing there. So in terms of, like, the investment costs you'll be paying, so that was the fees that come directly to Oakview as part of managing your portfolio and insurances. As far as the cost of the ongoing investments, you're actually saving money by getting rid of the managed investment there. So the ongoing investment fee is around 547 down from 1,928.\n\nThere's other fees associated as well that have gone down from $2.60 to 93. The adviser fee, just given that the balance change as well, is estimated to be roughly the the same with the the slight change in the the cost. But, obviously, that's the fee that I disclosed to you as well. Your contributions will be going up. So with that, the funds under management, obviously, it's percentage based, so that will contribute to you paying us as, like, ongoing as well.\n\nSomething just to be mindful of even though it's not huge. And then your insurance premiums will be nearly halved as well. So a lot of ongoing savings there that you'll be having moving forward as opposed to what you're you're currently paying. Perfect. So I'll resend that now.\n\nIt should just pop up to the top of your inbox. So you just click on the link and just follow the signing steps. It's important to draw your signature to your actual signature, not to just prefill it. It'll prefill it with your name in cursive, which is stupid, I know, but it does prompt just to do that to make sure you are drawing a signature if it's the first time you're using it there. Yeah.\n\nAnd then not not a problem at all, Zoran. More than fine. You still got plenty of time. As long as it's signed before your personal statement on Monday there, it shouldn't have any towards anything. I'll just double check everything else.\n\nI don't believe we need anything else. The ID is up to date, so that should all be fine. As far as, like, the next steps following that, obviously, you've got your personal statement booked in, so that'll get the ball rolling with the insurance side of things. Obviously, you're you're monitoring your income statement and then also your salary sacrifice with myGov just to make sure. We did illustrate that in the document that you already increased it.\n\nJust something to be mindful of to keep an eye on that moving forward. And then other than that, they'll change the investment in the back end once that's signed and saved down and everything as well. No problem. Anything else for me, Zoran, while you've got me? Not a problem at all, Zoran.\n\nHappy to help. Any other questions you might have or if you do have any questions when I you'll be speaking with my colleague, Jack, I believe. If he's not available, it might be someone else. But then following from that, if I'm available and you wanna have a quick chat about anything, feel free to just let Jack know. No no problem, Zoe.\n\nYou enjoy the rest of your day. Thanks for your time. Cheers. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Zoran.","start":2.56,"end":3.36,"sentiment":"positive","sentiment_score":0.531544158856074},{"text":"It's Kyle calling from OQ Financial.","start":3.36,"end":4.88,"sentiment":"positive","sentiment_score":0.3657139837741852},{"text":"How's it going today?","start":4.88,"end":5.8599997,"sentiment":"positive","sentiment_score":0.4341539442539215},{"text":"Yeah.","start":8.559999,"end":8.88,"sentiment":"neutral","sentiment_score":0.23460189998149872},{"text":"Not too bad.","start":8.88,"end":9.5199995,"sentiment":"positive","sentiment_score":0.38007386525472003}],"sentiment":"positive","sentiment_score":0.4059032736455693,"num_words":17,"start":2.56,"end":9.5199995},{"sentences":[{"text":"Thanks for asking.","start":9.5199995,"end":10.4,"sentiment":"positive","sentiment_score":0.6927612622578939},{"text":"I just scheduled in.","start":10.4,"end":11.599999,"sentiment":"positive","sentiment_score":0.39486029744148254},{"text":"I know you rang in this morning just to go over a few questions you had regarding the advice.","start":11.599999,"end":15.299999,"sentiment":"neutral","sentiment_score":0.24319184453863846},{"text":"Yep.","start":35.28,"end":35.78,"sentiment":"neutral","sentiment_score":0.06065104529261589},{"text":"So without discussing any personal details, obviously, this is gonna pass through security.","start":36.4,"end":40.08,"sentiment":"neutral","sentiment_score":-0.1121377027951754}],"sentiment":"neutral","sentiment_score":0.17203077329322697,"num_words":40,"start":9.5199995,"end":40.08},{"sentences":[{"text":"Obviously, I know it's you.","start":40.08,"end":40.88,"sentiment":"neutral","sentiment_score":-0.07448761090636254},{"text":"But, yeah, if you if you were happy with everything, I can resend the link.","start":40.88,"end":45.395,"sentiment":"neutral","sentiment_score":0.16018246089418728},{"text":"You would have to sign that statement of advice to go ahead with everything.","start":45.395,"end":48.035,"sentiment":"neutral","sentiment_score":0.19703131754483497},{"text":"And then even then, if you wanted to book in a time to go through that insurance application to update those insurances to lower that premium as well, then I can get you booked in to do that pre assessment either maybe tomorrow afternoon or sometime next week.","start":48.035,"end":64.34,"sentiment":"neutral","sentiment_score":0.1720702787861228},{"text":"The person that does it won't be in the office past 02:30.","start":71.774994,"end":75.695,"sentiment":"neutral","sentiment_score":0.063553755171597}],"sentiment":"neutral","sentiment_score":0.14692293349257174,"num_words":94,"start":40.08,"end":75.695},{"sentences":[{"text":"So the latest they could probably do would probably be 1PM tomorrow.","start":75.695,"end":79.235,"sentiment":"neutral","sentiment_score":0.10025461328526337},{"text":"Otherwise, they can do sometime next week, even the same, like, 4PM our time next Monday.","start":79.375,"end":85.71,"sentiment":"neutral","sentiment_score":0.09790356270968914},{"text":"No problem.","start":92.33,"end":93.07,"sentiment":"neutral","sentiment_score":0.18269126117229462},{"text":"Obviously, we'll have to sign that document before then, Zoran, to make sure that you're happy with everything.","start":93.21,"end":98.365,"sentiment":"neutral","sentiment_score":0.12729497026238176},{"text":"Obviously, did you have any questions regarding the document itself or any other things regarding that?","start":98.365,"end":104.865,"sentiment":"neutral","sentiment_score":0.021480587776750326}],"sentiment":"neutral","sentiment_score":0.09015458991052583,"num_words":64,"start":75.695,"end":104.865},{"sentences":[{"text":"Yep.","start":111.74,"end":112.24,"sentiment":"neutral","sentiment_score":0.2548280954360962},{"text":"So if I could just pass you security, I'll talk to the actual amount just to refresh your memory there.","start":129.515,"end":133.275,"sentiment":"neutral","sentiment_score":0.053593169897794724},{"text":"Just if you could just go with your name, date of birth, current address, I'll, you know, talk about your actual personal details there.","start":133.275,"end":138.42,"sentiment":"neutral","sentiment_score":0.10263418219983578},{"text":"Perfect.","start":148.735,"end":149.135,"sentiment":"positive","sentiment_score":0.7398363947868347},{"text":"Thanks for that one there, Zoran.","start":149.135,"end":150.675,"sentiment":"positive","sentiment_score":0.7637719810009003}],"sentiment":"neutral","sentiment_score":0.17523807974962088,"num_words":52,"start":111.74,"end":150.675},{"sentences":[{"text":"Now in regards to what you've got and what you're replacing there, so currently, you've got that Neos policy for around $3.10 for life and total parent disability, and then the income protection's around 8,600 as a monthly benefit with a month wait and a five year benefit period.","start":151.535,"end":165.43,"sentiment":"neutral","sentiment_score":0.043704666178293376},{"text":"Now what you'll be replacing that with the like you said, the premium does come down, and then it's only reducing down slightly to the 300,000 of life and TBD just because the CPO, and then the income protection is dropping to just the 7,000 monthly benefit just because you were comfortable with that and you didn't feel like you needed much more than that to cover your ongoing expenses.","start":165.65,"end":188.71501,"sentiment":"neutral","sentiment_score":0.06619436378989901},{"text":"And with that oh, once rewriting the policy that in turn lowers the premium and then also lowering the the cover amount slightly also helps with, like, carving that premium, Nilan.","start":189.41501,"end":201.17,"sentiment":"neutral","sentiment_score":0.15929764172723215},{"text":"Dependalone.","start":224.06,"end":224.56,"sentiment":"neutral","sentiment_score":-0.0937398374080658},{"text":"Yeah.","start":238.39499,"end":238.715,"sentiment":"neutral","sentiment_score":0.05014726519584656}],"sentiment":"neutral","sentiment_score":0.0767747922984295,"num_words":152,"start":151.535,"end":238.715},{"sentences":[{"text":"Even from the time when you've sort of been reviewing that one, like, been long hasn't really done much.","start":238.715,"end":244.79001,"sentiment":"neutral","sentiment_score":-0.14888910929623403},{"text":"It's gone up a little bit, and it's gone back down a little bit.","start":244.79001,"end":247.11,"sentiment":"neutral","sentiment_score":-0.31082354485988617},{"text":"So even from the time for you reading the the document, it's still kind of stagnant in the loss it's already made.","start":247.11,"end":252.95001,"sentiment":"neutral","sentiment_score":-0.3318302590738643},{"text":"So you're probably like, you you're just better off being in something else where even though you're taking the loss, it offsets that capital gain.","start":252.95001,"end":259.265,"sentiment":"neutral","sentiment_score":-0.19674388319253922},{"text":"It's in something that will be making a return as opposed to what Ben Long's currently trying to recover from.","start":259.265,"end":264.885,"sentiment":"neutral","sentiment_score":-0.031100482493638993}],"sentiment":"neutral","sentiment_score":-0.2002129513397813,"num_words":100,"start":238.715,"end":264.885},{"sentences":[{"text":"The the capital gains.","start":282.81497,"end":284.275,"sentiment":"neutral","sentiment_score":-0.050079057924449444},{"text":"Yeah.","start":284.41498,"end":284.895,"sentiment":"neutral","sentiment_score":0.03400891646742821},{"text":"So the the Benelon will help offset a lot of that.","start":284.895,"end":287.955,"sentiment":"neutral","sentiment_score":0.1369709877127951},{"text":"But in saying that, there will be slight capital gains that will come with that switch.","start":288.01498,"end":292.74,"sentiment":"neutral","sentiment_score":0.0968158922623843},{"text":"And then with that, the majority of, like, that would come from, you know, selling fully out of that Miski investment, which is like an investment in the Europe, Asia sort of area outside The US.","start":293.68,"end":304.58,"sentiment":"neutral","sentiment_score":0.09251975185341305}],"sentiment":"neutral","sentiment_score":0.09147263077252052,"num_words":68,"start":282.81497,"end":304.58},{"sentences":[{"text":"And then you'll be switching to the Vanguard, which will be replacing that.","start":305.265,"end":308.725,"sentiment":"neutral","sentiment_score":0.09622272849082947},{"text":"And then the the Australian beta shares will replace majority of the the Benelon because it's an Australian equities.","start":309.345,"end":314.965,"sentiment":"neutral","sentiment_score":0.1534414950170015},{"text":"And then you'll have some bank hybrids there.","start":315.185,"end":317.265,"sentiment":"neutral","sentiment_score":0.1743473168462515},{"text":"They're a little bit defensive as well.","start":317.265,"end":318.785,"sentiment":"neutral","sentiment_score":0.13615134358406067},{"text":"And then being in an index investment as opposed to like, more passively as opposed to the active management, you still have the same allocation to those growth assets, maybe slightly less.","start":318.785,"end":328.06,"sentiment":"neutral","sentiment_score":0.12285292334854603}],"sentiment":"neutral","sentiment_score":0.13222044762931293,"num_words":79,"start":305.265,"end":328.06},{"sentences":[{"text":"That's mean you're still positioning yourself for that long term sustained growth in that sort of risk profile, but you don't have that manager risk, especially with what's going on in the markets at the moment.","start":328.44,"end":337.19498,"sentiment":"neutral","sentiment_score":-0.04992959418127106},{"text":"It's a lot harder to pick and choose given that it's not the the regular kind of markets with the way the world is going.","start":337.19498,"end":343.275,"sentiment":"neutral","sentiment_score":-0.2359244269132614},{"text":"So it may still be a bit of a rough year just given, you know, the wars that are kicking off with Iran and, you know, Venezuela, The US.","start":343.275,"end":349.16,"sentiment":"neutral","sentiment_score":-0.26131050648360415},{"text":"They're all sort of having a go at each other in Israel.","start":349.16,"end":351.48,"sentiment":"neutral","sentiment_score":-0.20204572627941766},{"text":"But in saying that, this should perform better than what you currently end given that Benelon is a large majority of your portfolio.","start":351.48,"end":358.2,"sentiment":"positive","sentiment_score":0.4356013827997705}],"sentiment":"neutral","sentiment_score":-0.061434381298720836,"num_words":125,"start":328.44,"end":358.2},{"sentences":[{"text":"We're diversifying a little bit better as well.","start":358.2,"end":360.495,"sentiment":"positive","sentiment_score":0.4118995927274227},{"text":"So, yeah, there is that slight capital gains cost.","start":373.95,"end":376.77002,"sentiment":"neutral","sentiment_score":-0.009869709197017882},{"text":"I'll just quickly bring up the rest of the fees.","start":377.07,"end":379.47,"sentiment":"neutral","sentiment_score":0.028583687171339987},{"text":"I'm not just making up figures off the top of my head.","start":379.47,"end":382.13,"sentiment":"neutral","sentiment_score":-0.04455299271891514},{"text":"Bear with me two seconds.","start":382.43002,"end":383.73,"sentiment":"neutral","sentiment_score":0.03640890493988991}],"sentiment":"neutral","sentiment_score":0.07135488279163837,"num_words":44,"start":358.2,"end":383.73},{"sentences":[{"text":"So, yeah, $539 with the CGT.","start":387.645,"end":390.205,"sentiment":"neutral","sentiment_score":0.05136439576745033},{"text":"Obviously, that could change slightly depending on the the markets at the time because it is fluctuating daily.","start":390.205,"end":395.585,"sentiment":"neutral","sentiment_score":-0.03052005870267749},{"text":"So that was the estimated based on the balance.","start":395.965,"end":398.04,"sentiment":"neutral","sentiment_score":0.045933266480763756},{"text":"We get an upfront for rewriting the policy there with Clearview.","start":398.12,"end":401.98,"sentiment":"neutral","sentiment_score":0.13892131772908298},{"text":"So we get 66% of the premium that you do pay to them for setting up the policy.","start":402.04,"end":406.06,"sentiment":"neutral","sentiment_score":0.246315807931953}],"sentiment":"neutral","sentiment_score":0.09893618958191044,"num_words":62,"start":387.645,"end":406.06},{"sentences":[{"text":"We don't get charged like, we don't charge that to you on top of what you're paying as those premiums.","start":407.0,"end":411.48,"sentiment":"neutral","sentiment_score":0.2104529969394207},{"text":"It's what the insurer pays to us for putting the work in for setting up the policy.","start":411.48,"end":415.595,"sentiment":"positive","sentiment_score":0.3506003968855914},{"text":"In addition to maintaining it, we do get 22 of the ongoing premium, which is around 649.","start":415.895,"end":421.75497,"sentiment":"neutral","sentiment_score":0.22551446451860316},{"text":"And then the ongoing fee is 1.1 because you're coupled up with your partner because she is on board.","start":421.97498,"end":427.83,"sentiment":"neutral","sentiment_score":0.12799401777355293},{"text":"It's around 3,932 as an estimate, but that's charged monthly as just being an ongoing client.","start":428.31,"end":433.90997,"sentiment":"neutral","sentiment_score":0.07612196682021022}],"sentiment":"neutral","sentiment_score":0.19834663358966956,"num_words":89,"start":407.0,"end":433.90997},{"sentences":[{"text":"It's not like an additional cost that you pay as well, like, as an upfront.","start":433.90997,"end":438.33,"sentiment":"neutral","sentiment_score":0.07112109661102295},{"text":"It's just what what you pay on ongoing there.","start":438.71,"end":442.665,"sentiment":"neutral","sentiment_score":0.12210984114143583},{"text":"So in terms of, like, the investment costs you'll be paying, so that was the fees that come directly to Oakview as part of managing your portfolio and insurances.","start":453.16,"end":462.94,"sentiment":"neutral","sentiment_score":0.0055224352580463066},{"text":"As far as the cost of the ongoing investments, you're actually saving money by getting rid of the managed investment there.","start":463.88,"end":471.33502,"sentiment":"neutral","sentiment_score":0.11804203689098358},{"text":"So the ongoing investment fee is around 547 down from 1,928.","start":471.635,"end":476.935,"sentiment":"neutral","sentiment_score":0.11294044994495132}],"sentiment":"neutral","sentiment_score":0.07114333371796153,"num_words":85,"start":433.90997,"end":476.935},{"sentences":[{"text":"There's other fees associated as well that have gone down from $2.60 to 93.","start":477.97,"end":482.47,"sentiment":"neutral","sentiment_score":0.05263168431286301},{"text":"The adviser fee, just given that the balance change as well, is estimated to be roughly the the same with the the slight change in the the cost.","start":483.33,"end":492.825,"sentiment":"neutral","sentiment_score":0.049434319737234285},{"text":"But, obviously, that's the fee that I disclosed to you as well.","start":493.385,"end":496.045,"sentiment":"neutral","sentiment_score":0.08140208385884762},{"text":"Your contributions will be going up.","start":496.42502,"end":498.505,"sentiment":"neutral","sentiment_score":0.18762018034855524},{"text":"So with that, the funds under management, obviously, it's percentage based, so that will contribute to you paying us as, like, ongoing as well.","start":498.505,"end":504.905,"sentiment":"neutral","sentiment_score":0.13363678784420094}],"sentiment":"neutral","sentiment_score":0.08846230392477342,"num_words":84,"start":477.97,"end":504.905},{"sentences":[{"text":"Something just to be mindful of even though it's not huge.","start":504.905,"end":507.18,"sentiment":"neutral","sentiment_score":-0.07566221058368683},{"text":"And then your insurance premiums will be nearly halved as well.","start":507.97998,"end":511.58,"sentiment":"neutral","sentiment_score":-0.07576302743770859},{"text":"So a lot of ongoing savings there that you'll be having moving forward as opposed to what you're you're currently paying.","start":511.58,"end":518.32,"sentiment":"neutral","sentiment_score":0.22793415117831456},{"text":"Perfect.","start":528.715,"end":529.115,"sentiment":"positive","sentiment_score":0.6215211749076843},{"text":"So I'll resend that now.","start":529.115,"end":530.395,"sentiment":"positive","sentiment_score":0.3691167712211609}],"sentiment":"neutral","sentiment_score":0.11404172627597439,"num_words":49,"start":504.905,"end":530.395},{"sentences":[{"text":"It should just pop up to the top of your inbox.","start":530.395,"end":532.47,"sentiment":"positive","sentiment_score":0.35331059856848285},{"text":"So you just click on the link and just follow the signing steps.","start":532.55,"end":534.70996,"sentiment":"neutral","sentiment_score":0.21466383911096132},{"text":"It's important to draw your signature to your actual signature, not to just prefill it.","start":534.70996,"end":538.94995,"sentiment":"neutral","sentiment_score":0.08527349854509035},{"text":"It'll prefill it with your name in cursive, which is stupid, I know, but it does prompt just to do that to make sure you are drawing a signature if it's the first time you're using it there.","start":538.94995,"end":549.545,"sentiment":"neutral","sentiment_score":0.05748447535657569},{"text":"Yeah.","start":550.72504,"end":550.965,"sentiment":"neutral","sentiment_score":0.06624779850244522}],"sentiment":"neutral","sentiment_score":0.1308564978580062,"num_words":78,"start":530.395,"end":550.965},{"sentences":[{"text":"And then not not a problem at all, Zoran.","start":550.965,"end":556.745,"sentiment":"neutral","sentiment_score":0.16739630699157715},{"text":"More than fine.","start":561.22003,"end":561.86005,"sentiment":"positive","sentiment_score":0.3632807830969493},{"text":"You still got plenty of time.","start":561.86005,"end":562.9,"sentiment":"positive","sentiment_score":0.3566233416398366},{"text":"As long as it's signed before your personal statement on Monday there, it shouldn't have any towards anything.","start":562.9,"end":568.76,"sentiment":"neutral","sentiment_score":0.1295651379558775},{"text":"I'll just double check everything else.","start":569.38,"end":571.78,"sentiment":"neutral","sentiment_score":0.13111554210384688}],"sentiment":"neutral","sentiment_score":0.18702416423530804,"num_words":42,"start":550.965,"end":571.78},{"sentences":[{"text":"I don't believe we need anything else.","start":571.78,"end":574.10004,"sentiment":"neutral","sentiment_score":-0.009214954849864756},{"text":"The ID is up to date, so that should all be fine.","start":574.10004,"end":576.86505,"sentiment":"neutral","sentiment_score":0.2336514095465342},{"text":"As far as, like, the next steps following that, obviously, you've got your personal statement booked in, so that'll get the ball rolling with the insurance side of things.","start":577.405,"end":584.145,"sentiment":"neutral","sentiment_score":0.14771328712331838},{"text":"Obviously, you're you're monitoring your income statement and then also your salary sacrifice with myGov just to make sure.","start":585.565,"end":593.26,"sentiment":"neutral","sentiment_score":0.10402150569777739},{"text":"We did illustrate that in the document that you already increased it.","start":593.26,"end":596.3,"sentiment":"neutral","sentiment_score":0.11146055658658345}],"sentiment":"neutral","sentiment_score":0.13084725119597926,"num_words":79,"start":571.78,"end":596.3},{"sentences":[{"text":"Just something to be mindful of to keep an eye on that moving forward.","start":596.3,"end":599.36,"sentiment":"neutral","sentiment_score":0.13240835150437696},{"text":"And then other than that, they'll change the investment in the back end once that's signed and saved down and everything as well.","start":600.78503,"end":605.925,"sentiment":"neutral","sentiment_score":0.1088198990277622},{"text":"No problem.","start":609.585,"end":610.145,"sentiment":"neutral","sentiment_score":0.21217461675405502},{"text":"Anything else for me, Zoran, while you've got me?","start":610.145,"end":612.325,"sentiment":"neutral","sentiment_score":0.12363798999124104},{"text":"Not a problem at all, Zoran.","start":616.39996,"end":617.6,"sentiment":"positive","sentiment_score":0.41561633348464966}],"sentiment":"neutral","sentiment_score":0.1553215507969812,"num_words":54,"start":596.3,"end":617.6},{"sentences":[{"text":"Happy to help.","start":617.6,"end":618.31995,"sentiment":"positive","sentiment_score":0.6452519694964091},{"text":"Any other questions you might have or if you do have any questions when I you'll be speaking with my colleague, Jack, I believe.","start":618.31995,"end":623.37994,"sentiment":"neutral","sentiment_score":0.22402929235249758},{"text":"If he's not available, it might be someone else.","start":623.51996,"end":625.62,"sentiment":"neutral","sentiment_score":-0.00966184658722745},{"text":"But then following from that, if I'm available and you wanna have a quick chat about anything, feel free to just let Jack know.","start":625.92,"end":633.195,"sentiment":"neutral","sentiment_score":0.20107743112991253},{"text":"No no problem, Zoe.","start":635.655,"end":636.935,"sentiment":"positive","sentiment_score":0.61140276491642}],"sentiment":"neutral","sentiment_score":0.22651518300699536,"num_words":64,"start":617.6,"end":636.935},{"sentences":[{"text":"You enjoy the rest of your day.","start":636.935,"end":637.815,"sentiment":"positive","sentiment_score":0.7285978432212558},{"text":"Thanks for your time.","start":637.815,"end":638.875,"sentiment":"positive","sentiment_score":0.8695847988128662},{"text":"Cheers.","start":640.455,"end":640.775,"sentiment":"positive","sentiment_score":0.6014177799224854},{"text":"Bye.","start":640.775,"end":641.275,"sentiment":"neutral","sentiment_score":0.30311906337738037}],"sentiment":"positive","sentiment_score":0.7294662262384708,"num_words":13,"start":636.935,"end":641.275}]}}]},{"alternatives":[{"transcript":"Hello? Zara speaking. Yeah. Not too bad. How are you, Carl? Yeah. I only bring about an hour ago. I just wanted to, yeah, ring it to let you know. Like, I went over everything and, like, do I need to still sign that email that you sent me? I can't remember what we did. We already do that, but just to to give it a go ahead. Sure. Yep. Yeah. Yeah. I can do it tomorrow afternoon, around this time, if that suits. Next Monday, 4PM. Yeah. That should be okay. Yes. Yeah. No. I looked at the insurance, and that was all, like, yeah, pretty much what what we discussed. And, yeah, that I was, yeah, pretty happy with all that. We're just basically lowering some, like, with the income connection and and the TPD and all that, just lowering amounts to make it cheaper and yeah. Cool. That that's what we're kinda doing, isn't it? Yeah. Yeah. Yeah. Yeah. Yep. Yep. Yeah. Yeah. Yeah. Yeah. Correct. Yeah. Yeah. I understood all that. That's that's all fine. That was the insurance. As as far as the portfolio, yeah, I think yeah. I I don't see any other option other than selling that. Like, I have a re redoing the portfolio to what you suggested, really, getting rid of what would I been along and, yeah, and and putting it in other other places like you've suggested. Like, I don't know much about it, but, yeah, if that's the best advice you guys offer, then, yeah, I'll go with that. Yeah. I noticed that. Yeah. Yeah. Yeah. I think so as well. Like, I thought about it for a while, and I think I just gotta, yeah, bite the bullet and do it. With the costs and the stuff like you said you have to pay some some benefit tax or something like 500 and something dollars, and then there'll be some fees. Yeah. Yeah. Yep. Yep. Yep. Yep. Yeah. Yeah. Yep. Yep. No. That's fine. Yeah. Yeah. So, yeah, we can any other fees that I need to know? Like, was there was something, like, around 1,300 for our memory in fees. That's alright. Thank you. Yeah. Yeah. Yep. Yep. Yep. Yep. Yep. That that's fine. And any other like, would there be any extra on Beyond fees, like, other than that to for these new funds, like, and stuff, or everything's sort of the same? Yes. Yep. Yep. Yep. Yep. No problem. Yeah. If you wanna send me the that thing, I'll sign it this afternoon, and, yeah, we can get that going. Oh, okay. I might have to wait till tomorrow to do it at work if that's okay. Because, yeah, I haven't got a PC with me, but I'll do it first thing tomorrow morning. Yep. Yep. Yep. Yep. No problem. Thank you. Sounds good. No. That's all. Thank you. Thanks for returning my call quickly. Yep. No worries. Thank you. Thanks, Kyle. You too. Thank you. Bye. 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Zara speaking. Yeah. Not too bad. How are you, Carl?\n\nYeah. I only bring about an hour ago. I just wanted to, yeah, ring it to let you know. Like, I went over everything and, like, do I need to still sign that email that you sent me? I can't remember what we did.\n\nWe already do that, but just to to give it a go ahead. Sure. Yep. Yeah. Yeah.\n\nI can do it tomorrow afternoon, around this time, if that suits. Next Monday, 4PM. Yeah. That should be okay. Yes.\n\nYeah. No. I looked at the insurance, and that was all, like, yeah, pretty much what what we discussed. And, yeah, that I was, yeah, pretty happy with all that. We're just basically lowering some, like, with the income connection and and the TPD and all that, just lowering amounts to make it cheaper and yeah.\n\nCool. That that's what we're kinda doing, isn't it? Yeah. Yeah. Yeah.\n\nYeah. Yep. Yep. Yeah. Yeah.\n\nYeah. Yeah. Correct. Yeah. Yeah.\n\nI understood all that. That's that's all fine. That was the insurance. As as far as the portfolio, yeah, I think yeah. I I don't see any other option other than selling that.\n\nLike, I have a re redoing the portfolio to what you suggested, really, getting rid of what would I been along and, yeah, and and putting it in other other places like you've suggested. Like, I don't know much about it, but, yeah, if that's the best advice you guys offer, then, yeah, I'll go with that. Yeah. I noticed that. Yeah.\n\nYeah. Yeah. I think so as well. Like, I thought about it for a while, and I think I just gotta, yeah, bite the bullet and do it. With the costs and the stuff like you said you have to pay some some benefit tax or something like 500 and something dollars, and then there'll be some fees.\n\nYeah. Yeah. Yep. Yep. Yep.\n\nYep. Yeah. Yeah. Yep. Yep.\n\nNo. That's fine. Yeah. Yeah. So, yeah, we can any other fees that I need to know?\n\nLike, was there was something, like, around 1,300 for our memory in fees. That's alright. Thank you. Yeah. Yeah.\n\nYep. Yep. Yep. Yep. Yep.\n\nThat that's fine. And any other like, would there be any extra on Beyond fees, like, other than that to for these new funds, like, and stuff, or everything's sort of the same? Yes. Yep. Yep.\n\nYep. Yep. No problem. Yeah. If you wanna send me the that thing, I'll sign it this afternoon, and, yeah, we can get that going.\n\nOh, okay. I might have to wait till tomorrow to do it at work if that's okay. Because, yeah, I haven't got a PC with me, but I'll do it first thing tomorrow morning. Yep. Yep.\n\nYep. Yep. No problem. Thank you. Sounds good.\n\nNo. That's all. Thank you. Thanks for returning my call quickly. Yep.\n\nNo worries. Thank you. Thanks, Kyle. You too. Thank you.\n\nBye. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.1999999,"end":1.6999999,"sentiment":"neutral","sentiment_score":0.03794677555561066},{"text":"Zara speaking.","start":1.76,"end":2.5,"sentiment":"neutral","sentiment_score":0.06671637110412121},{"text":"Yeah.","start":6.48,"end":6.8799996,"sentiment":"neutral","sentiment_score":0.2012922614812851},{"text":"Not too bad.","start":6.8799996,"end":7.52,"sentiment":"neutral","sentiment_score":0.330193688472112},{"text":"How are you, Carl?","start":7.52,"end":8.42,"sentiment":"neutral","sentiment_score":0.3285764530301094}],"sentiment":"neutral","sentiment_score":0.24341442334381017,"num_words":11,"start":1.1999999,"end":8.42},{"sentences":[{"text":"Yeah.","start":16.135,"end":16.455,"sentiment":"neutral","sentiment_score":0.09710723906755447},{"text":"I only bring about an hour ago.","start":16.455,"end":18.395,"sentiment":"neutral","sentiment_score":0.0970849682177816},{"text":"I just wanted to, yeah, ring it to let you know.","start":18.535,"end":21.175,"sentiment":"neutral","sentiment_score":0.14717182381586594},{"text":"Like, I went over everything and, like, do I need to still sign that email that you sent me?","start":21.175,"end":28.475,"sentiment":"neutral","sentiment_score":0.04385313921068844},{"text":"I can't remember what we did.","start":28.855,"end":30.135,"sentiment":"neutral","sentiment_score":-0.03810165263712406}],"sentiment":"neutral","sentiment_score":0.06818617744879289,"num_words":44,"start":16.135,"end":30.135},{"sentences":[{"text":"We already do that, but just to to give it a go ahead.","start":30.135,"end":34.26,"sentiment":"neutral","sentiment_score":0.07321836111637262},{"text":"Sure.","start":41.76,"end":42.079998,"sentiment":"neutral","sentiment_score":0.06957387179136276},{"text":"Yep.","start":42.079998,"end":42.579998,"sentiment":"neutral","sentiment_score":0.13443253934383392},{"text":"Yeah.","start":57.644997,"end":58.045,"sentiment":"neutral","sentiment_score":0.2023775577545166},{"text":"Yeah.","start":58.045,"end":58.545,"sentiment":"neutral","sentiment_score":0.21680811047554016}],"sentiment":"neutral","sentiment_score":0.0926488690516528,"num_words":17,"start":30.135,"end":58.545},{"sentences":[{"text":"I can do it tomorrow afternoon, around this time, if that suits.","start":65.520004,"end":70.340004,"sentiment":"neutral","sentiment_score":0.21097757667303085},{"text":"Next Monday, 4PM.","start":87.29,"end":89.15,"sentiment":"neutral","sentiment_score":0.03944405478735765},{"text":"Yeah.","start":89.69,"end":89.93,"sentiment":"neutral","sentiment_score":0.14293456077575684},{"text":"That should be okay.","start":89.93,"end":91.07,"sentiment":"neutral","sentiment_score":0.22730575129389763},{"text":"Yes.","start":95.69,"end":96.19,"sentiment":"neutral","sentiment_score":0.09397229552268982}],"sentiment":"neutral","sentiment_score":0.18077109266249908,"num_words":21,"start":65.520004,"end":96.19},{"sentences":[{"text":"Yeah.","start":96.73,"end":97.23,"sentiment":"neutral","sentiment_score":0.13088198006153107},{"text":"No.","start":106.025,"end":106.345,"sentiment":"neutral","sentiment_score":-0.002450607717037201},{"text":"I looked at the insurance, and that was all, like, yeah, pretty much what what we discussed.","start":106.345,"end":110.925,"sentiment":"neutral","sentiment_score":0.03830784318201682},{"text":"And, yeah, that I was, yeah, pretty happy with all that.","start":110.985,"end":115.47,"sentiment":"positive","sentiment_score":0.34241304952989926},{"text":"We're just basically lowering some, like, with the income connection and and the TPD and all that, just lowering amounts to make it cheaper and yeah.","start":115.47,"end":124.350006,"sentiment":"neutral","sentiment_score":0.16588974514832863}],"sentiment":"neutral","sentiment_score":0.15820252902007528,"num_words":56,"start":96.73,"end":124.350006},{"sentences":[{"text":"Cool.","start":124.350006,"end":124.850006,"sentiment":"positive","sentiment_score":0.6481759548187256},{"text":"That that's what we're kinda doing, isn't it?","start":125.87,"end":128.29001,"sentiment":"positive","sentiment_score":0.3447311371564865},{"text":"Yeah.","start":132.405,"end":132.905,"sentiment":"neutral","sentiment_score":0.03931839019060135},{"text":"Yeah.","start":133.045,"end":133.545,"sentiment":"neutral","sentiment_score":0.081367127597332},{"text":"Yeah.","start":151.01,"end":151.51,"sentiment":"neutral","sentiment_score":0.1833459585905075}],"sentiment":"neutral","sentiment_score":0.3091713773707549,"num_words":12,"start":124.350006,"end":151.51},{"sentences":[{"text":"Yeah.","start":158.505,"end":159.005,"sentiment":"neutral","sentiment_score":0.02944134548306465},{"text":"Yep.","start":163.54501,"end":163.945,"sentiment":"neutral","sentiment_score":0.03971351310610771},{"text":"Yep.","start":163.945,"end":164.445,"sentiment":"neutral","sentiment_score":0.04641586169600487},{"text":"Yeah.","start":176.07,"end":176.57,"sentiment":"neutral","sentiment_score":0.05282872915267944},{"text":"Yeah.","start":177.03001,"end":177.53001,"sentiment":"neutral","sentiment_score":0.031011179089546204}],"sentiment":"neutral","sentiment_score":0.039882125705480574,"num_words":5,"start":158.505,"end":177.53001},{"sentences":[{"text":"Yeah.","start":182.71,"end":183.21,"sentiment":"neutral","sentiment_score":0.08384917676448822},{"text":"Yeah.","start":189.64499,"end":189.885,"sentiment":"neutral","sentiment_score":0.099879652261734},{"text":"Correct.","start":189.885,"end":190.385,"sentiment":"neutral","sentiment_score":0.1574113368988037},{"text":"Yeah.","start":202.0,"end":202.31999,"sentiment":"neutral","sentiment_score":0.11053503304719924},{"text":"Yeah.","start":202.31999,"end":202.64,"sentiment":"neutral","sentiment_score":0.1240169107913971}],"sentiment":"neutral","sentiment_score":0.11513842195272446,"num_words":5,"start":182.71,"end":202.64},{"sentences":[{"text":"I understood all that.","start":202.64,"end":203.76,"sentiment":"neutral","sentiment_score":0.12087824381887913},{"text":"That's that's all fine.","start":203.76,"end":205.06,"sentiment":"neutral","sentiment_score":0.2908335253596306},{"text":"That was the insurance.","start":206.8,"end":208.24,"sentiment":"neutral","sentiment_score":0.07706456631422043},{"text":"As as far as the portfolio, yeah, I think yeah.","start":208.24,"end":212.975,"sentiment":"neutral","sentiment_score":-0.057327449321746826},{"text":"I I don't see any other option other than selling that.","start":212.975,"end":217.075,"sentiment":"neutral","sentiment_score":-0.23886313898996872}],"sentiment":"neutral","sentiment_score":-0.03774738424655163,"num_words":33,"start":202.64,"end":217.075},{"sentences":[{"text":"Like, I have a re redoing the portfolio to what you suggested, really, getting rid of what would I been along and, yeah, and and putting it in other other places like you've suggested.","start":218.415,"end":230.48,"sentiment":"neutral","sentiment_score":-0.04603417502606616},{"text":"Like, I don't know much about it, but, yeah, if that's the best advice you guys offer, then, yeah, I'll go with that.","start":230.86,"end":237.84,"sentiment":"neutral","sentiment_score":0.17524132181120955},{"text":"Yeah.","start":247.58499,"end":247.825,"sentiment":"neutral","sentiment_score":-0.13574551045894623},{"text":"I noticed that.","start":247.825,"end":249.045,"sentiment":"neutral","sentiment_score":-0.17294009029865265},{"text":"Yeah.","start":261.31,"end":261.81,"sentiment":"neutral","sentiment_score":-0.08493627607822418}],"sentiment":"neutral","sentiment_score":0.02783687731191035,"num_words":62,"start":218.415,"end":261.81},{"sentences":[{"text":"Yeah.","start":265.55,"end":265.87,"sentiment":"neutral","sentiment_score":-0.0038706250488758087},{"text":"Yeah.","start":265.87,"end":266.37,"sentiment":"neutral","sentiment_score":0.03335050866007805},{"text":"I think so as well.","start":266.43,"end":267.62997,"sentiment":"neutral","sentiment_score":0.1003252387046814},{"text":"Like, I thought about it for a while, and I think I just gotta, yeah, bite the bullet and do it.","start":267.62997,"end":272.975,"sentiment":"neutral","sentiment_score":0.12964839239915213},{"text":"With the costs and the stuff like you said you have to pay some some benefit tax or something like 500 and something dollars, and then there'll be some fees.","start":273.595,"end":284.495,"sentiment":"neutral","sentiment_score":-0.00259526955584685}],"sentiment":"neutral","sentiment_score":0.054756279842093074,"num_words":58,"start":265.55,"end":284.495},{"sentences":[{"text":"Yeah.","start":284.95502,"end":285.45502,"sentiment":"neutral","sentiment_score":0.06395938992500305},{"text":"Yeah.","start":285.515,"end":286.015,"sentiment":"neutral","sentiment_score":0.12738731503486633},{"text":"Yep.","start":293.59998,"end":294.09998,"sentiment":"neutral","sentiment_score":0.12131540477275848},{"text":"Yep.","start":309.425,"end":309.925,"sentiment":"neutral","sentiment_score":0.12389884889125824},{"text":"Yep.","start":319.65002,"end":320.15002,"sentiment":"neutral","sentiment_score":0.1205899715423584}],"sentiment":"neutral","sentiment_score":0.1114301860332489,"num_words":5,"start":284.95502,"end":320.15002},{"sentences":[{"text":"Yep.","start":325.09,"end":325.59,"sentiment":"neutral","sentiment_score":0.1203332394361496},{"text":"Yeah.","start":329.555,"end":330.055,"sentiment":"neutral","sentiment_score":0.04049821197986603},{"text":"Yeah.","start":339.715,"end":340.215,"sentiment":"neutral","sentiment_score":-0.1253256797790527},{"text":"Yep.","start":352.49,"end":352.99,"sentiment":"neutral","sentiment_score":0.23469267785549164},{"text":"Yep.","start":361.18503,"end":361.665,"sentiment":"neutral","sentiment_score":0.13748839497566223}],"sentiment":"neutral","sentiment_score":0.08153736889362335,"num_words":5,"start":325.09,"end":361.665},{"sentences":[{"text":"No.","start":361.665,"end":361.905,"sentiment":"neutral","sentiment_score":0.1465197205543518},{"text":"That's fine.","start":361.905,"end":362.545,"sentiment":"neutral","sentiment_score":0.1914835199713707},{"text":"Yeah.","start":362.545,"end":363.045,"sentiment":"neutral","sentiment_score":0.14147740602493286},{"text":"Yeah.","start":363.905,"end":364.405,"sentiment":"neutral","sentiment_score":0.0904197171330452},{"text":"So, yeah, we can any other fees that I need to know?","start":364.46503,"end":367.505,"sentiment":"neutral","sentiment_score":0.050156601859877505}],"sentiment":"neutral","sentiment_score":0.08019194741021185,"num_words":17,"start":361.665,"end":367.505},{"sentences":[{"text":"Like, was there was something, like, around 1,300 for our memory in fees.","start":367.505,"end":372.725,"sentiment":"neutral","sentiment_score":0.023641891347674224},{"text":"That's alright.","start":382.62997,"end":383.44998,"sentiment":"neutral","sentiment_score":0.051663754507899284},{"text":"Thank you.","start":384.15,"end":384.88998,"sentiment":"positive","sentiment_score":0.36254025995731354},{"text":"Yeah.","start":394.735,"end":395.235,"sentiment":"neutral","sentiment_score":-0.002530067227780819},{"text":"Yeah.","start":396.175,"end":396.675,"sentiment":"neutral","sentiment_score":0.03544290363788605}],"sentiment":"neutral","sentiment_score":0.06150870804527873,"num_words":19,"start":367.505,"end":396.675},{"sentences":[{"text":"Yep.","start":411.62,"end":412.12,"sentiment":"neutral","sentiment_score":0.3289238214492798},{"text":"Yep.","start":425.945,"end":426.445,"sentiment":"neutral","sentiment_score":0.12288568913936616},{"text":"Yep.","start":426.74503,"end":427.24503,"sentiment":"neutral","sentiment_score":0.05099007859826088},{"text":"Yep.","start":439.57,"end":440.07,"sentiment":"neutral","sentiment_score":0.15637755393981934},{"text":"Yep.","start":443.465,"end":443.94498,"sentiment":"neutral","sentiment_score":0.21211135387420657}],"sentiment":"neutral","sentiment_score":0.17425769940018654,"num_words":5,"start":411.62,"end":443.94498},{"sentences":[{"text":"That that's fine.","start":443.94498,"end":444.82498,"sentiment":"neutral","sentiment_score":0.29677297671635944},{"text":"And any other like, would there be any extra on Beyond fees, like, other than that to for these new funds, like, and stuff, or everything's sort of the same?","start":444.82498,"end":454.525,"sentiment":"neutral","sentiment_score":-0.021270764898508786},{"text":"Yes.","start":470.3,"end":470.8,"sentiment":"neutral","sentiment_score":0.12150853127241136},{"text":"Yep.","start":483.42502,"end":483.92502,"sentiment":"neutral","sentiment_score":0.08135469257831573},{"text":"Yep.","start":493.59,"end":494.09,"sentiment":"neutral","sentiment_score":0.05941511318087578}],"sentiment":"neutral","sentiment_score":0.014290953339594934,"num_words":36,"start":443.94498,"end":494.09},{"sentences":[{"text":"Yep.","start":512.82,"end":513.32,"sentiment":"positive","sentiment_score":0.3574424386024475},{"text":"Yep.","start":515.7,"end":516.2,"sentiment":"neutral","sentiment_score":0.2346414774656296},{"text":"No problem.","start":519.14,"end":519.94,"sentiment":"neutral","sentiment_score":0.22912055999040604},{"text":"Yeah.","start":519.94,"end":520.26,"sentiment":"neutral","sentiment_score":0.2623079717159271},{"text":"If you wanna send me the that thing, I'll sign it this afternoon, and, yeah, we can get that going.","start":520.26,"end":528.015,"sentiment":"neutral","sentiment_score":0.3084629029035568}],"sentiment":"neutral","sentiment_score":0.2992756426334381,"num_words":25,"start":512.82,"end":528.015},{"sentences":[{"text":"Oh, okay.","start":549.24,"end":549.9,"sentiment":"neutral","sentiment_score":0.08418035507202148},{"text":"I might have to wait till tomorrow to do it at work if that's okay.","start":550.60004,"end":554.62,"sentiment":"neutral","sentiment_score":0.07486211657524108},{"text":"Because, yeah, I haven't got a PC with me, but I'll do it first thing tomorrow morning.","start":555.94495,"end":560.52496,"sentiment":"neutral","sentiment_score":0.13106774670236251},{"text":"Yep.","start":562.82495,"end":563.32495,"sentiment":"neutral","sentiment_score":0.20079514384269712},{"text":"Yep.","start":566.105,"end":566.605,"sentiment":"neutral","sentiment_score":0.17350463569164276}],"sentiment":"neutral","sentiment_score":0.10815955367353228,"num_words":36,"start":549.24,"end":566.605},{"sentences":[{"text":"Yep.","start":567.14496,"end":567.64496,"sentiment":"neutral","sentiment_score":0.040368519723415375},{"text":"Yep.","start":585.575,"end":586.075,"sentiment":"neutral","sentiment_score":0.10516089200973512},{"text":"No problem.","start":607.27997,"end":607.92,"sentiment":"neutral","sentiment_score":0.26572342962026596},{"text":"Thank you.","start":607.92,"end":608.4,"sentiment":"positive","sentiment_score":0.45118626952171326},{"text":"Sounds good.","start":608.4,"end":609.22,"sentiment":"positive","sentiment_score":0.44349901378154755}],"sentiment":"neutral","sentiment_score":0.3082933546975255,"num_words":8,"start":567.14496,"end":609.22},{"sentences":[{"text":"No.","start":612.77496,"end":613.01495,"sentiment":"neutral","sentiment_score":0.07591468095779419},{"text":"That's all.","start":613.01495,"end":613.495,"sentiment":"neutral","sentiment_score":0.13111329823732376},{"text":"Thank you.","start":613.495,"end":613.89496,"sentiment":"positive","sentiment_score":0.42437660694122314},{"text":"Thanks for returning my call quickly.","start":613.89496,"end":615.755,"sentiment":"positive","sentiment_score":0.5372786770264307},{"text":"Yep.","start":625.98,"end":626.48,"sentiment":"neutral","sentiment_score":0.1083204373717308}],"sentiment":"positive","sentiment_score":0.37657391590376693,"num_words":12,"start":612.77496,"end":626.48},{"sentences":[{"text":"No worries.","start":633.89996,"end":634.62,"sentiment":"neutral","sentiment_score":0.26504085958004},{"text":"Thank you.","start":634.62,"end":635.18,"sentiment":"positive","sentiment_score":0.4921160936355591},{"text":"Thanks, Kyle.","start":635.18,"end":636.08,"sentiment":"positive","sentiment_score":0.42662155628204346},{"text":"You too.","start":638.56696,"end":639.12695,"sentiment":"positive","sentiment_score":0.6525279581546783},{"text":"Thank you.","start":639.12695,"end":639.60693,"sentiment":"positive","sentiment_score":0.7494984865188599}],"sentiment":"positive","sentiment_score":0.5171609908342362,"num_words":10,"start":633.89996,"end":639.60693},{"sentences":[{"text":"Bye.","start":639.60693,"end":640.10693,"sentiment":"positive","sentiment_score":0.4947491586208343},{"text":"Bye.","start":641.68695,"end":642.18695,"sentiment":"neutral","sentiment_score":-0.08769073337316513}],"sentiment":"neutral","sentiment_score":0.20352921262383458,"num_words":2,"start":639.60693,"end":642.18695}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Zara speaking.\n\nChannel 0: Good afternoon, Zoran. It's Kyle calling from OQ Financial. How's it going today?\n\nChannel 1: Yeah. Not too bad. How are you, Carl?\n\nChannel 0: Yeah. Not too bad. Thanks for asking. I just scheduled in. I know you rang in this morning just to go over a few questions you had regarding the advice.\n\nChannel 1: Yeah. I only bring about an hour ago. I just wanted to, yeah, ring it to let you know. Like, I went over everything and, like, do I need to still sign that email that you sent me? I can't remember what we did.\n\nWe already do that, but just to to give it a go ahead.\n\nChannel 0: Yep. So without discussing any personal details, obviously, this is gonna pass through security. Obviously, I know it's you. But,\n\nChannel 1: Sure.\n\nChannel 0: yeah,\n\nChannel 1: Yep.\n\nChannel 0: if you if you were happy with everything, I can resend the link. You would have to sign that statement of advice to go ahead with everything. And then even then, if you wanted to book in a time to go through that insurance application to update those insurances to lower that premium as well, then\n\nChannel 1: Yeah.\n\nChannel 0: I can\n\nChannel 1: Yeah.\n\nChannel 0: get you booked in to do that pre assessment either maybe tomorrow afternoon or sometime next week.\n\nChannel 1: I can do it tomorrow afternoon, around this time, if that suits.\n\nChannel 0: The person that does it won't be in the office past 02:30. So the latest they could probably do would probably be 1PM tomorrow. Otherwise, they can do sometime next week, even the same, like, 4PM our time next Monday.\n\nChannel 1: Next Monday, 4PM. Yeah. That should be okay.\n\nChannel 0: No problem. Obviously, we'll have to sign that document before then, Zoran,\n\nChannel 1: Yes.\n\nChannel 0: to\n\nChannel 1: Yeah.\n\nChannel 0: make sure that you're happy with everything. Obviously, did you have any questions regarding the document itself or any other things regarding that?\n\nChannel 1: No. I looked at the insurance, and that was all, like, yeah, pretty much what what we discussed. And, yeah,\n\nChannel 0: Yep.\n\nChannel 1: that I was, yeah, pretty happy with all that. We're just basically lowering some, like, with the income connection and and the TPD and all that, just lowering amounts to make it cheaper and yeah. Cool. That that's what we're kinda doing, isn't it?\n\nChannel 0: So if I could just pass you security, I'll talk to the actual amount just to refresh\n\nChannel 1: Yeah.\n\nChannel 0: your memory\n\nChannel 1: Yeah.\n\nChannel 0: there. Just if you could just go with your name, date of birth, current address, I'll, you know, talk about your actual personal details there. Perfect. Thanks for that one there, Zoran.\n\nChannel 1: Yeah.\n\nChannel 0: Now in regards to what you've got and what you're replacing there, so currently, you've got that Neos policy for around $3.10 for\n\nChannel 1: Yeah.\n\nChannel 0: life and total parent disability, and then the income protection's around 8,600 as a monthly benefit with a month\n\nChannel 1: Yep.\n\nChannel 0: wait and\n\nChannel 1: Yep.\n\nChannel 0: a five year benefit period. Now what you'll be replacing that with the like you said, the premium does come down, and then it's only reducing down slightly to the 300,000 of life and TBD\n\nChannel 1: Yeah.\n\nChannel 0: just because the\n\nChannel 1: Yeah.\n\nChannel 0: CPO, and then the income protection is dropping to just the 7,000 monthly benefit\n\nChannel 1: Yeah.\n\nChannel 0: just because you were comfortable with that and you didn't feel like you needed much more than that to cover your ongoing expenses. And with\n\nChannel 1: Yeah.\n\nChannel 0: that\n\nChannel 1: Correct.\n\nChannel 0: oh, once rewriting the policy that in turn lowers the premium and then also lowering the the cover amount slightly also helps with, like, carving that premium, Nilan.\n\nChannel 1: Yeah. Yeah. I understood all that. That's that's all fine. That was the insurance.\n\nAs as far as the portfolio, yeah, I think yeah. I I don't see any other option other than selling that. Like, I have a re redoing the portfolio to what you suggested, really, getting rid\n\nChannel 0: Dependalone.\n\nChannel 1: of what would I been along and, yeah, and and putting it in other other places like you've suggested. Like, I don't know much about it, but, yeah, if that's the best advice you guys offer, then, yeah, I'll go with that.\n\nChannel 0: Yeah. Even from the time when you've sort of been reviewing that one, like, been long hasn't really done much. It's gone up a little bit, and it's gone back down a little bit. So\n\nChannel 1: Yeah.\n\nChannel 0: even\n\nChannel 1: I\n\nChannel 0: from\n\nChannel 1: noticed\n\nChannel 0: the time for\n\nChannel 1: that.\n\nChannel 0: you reading the the document, it's still kind of stagnant in the loss it's already made. So you're probably like, you you're just better off being in something else where even though you're taking the loss, it offsets that capital gain. It's in something that will be making a return\n\nChannel 1: Yeah.\n\nChannel 0: as opposed to what Ben Long's currently trying to recover from.\n\nChannel 1: Yeah. Yeah. I think so as well. Like, I thought about it for a while, and I think I just gotta, yeah, bite the bullet and do it. With the costs and the stuff like you said you have to pay some some benefit tax or something like 500 and something dollars, and then\n\nChannel 0: The\n\nChannel 1: there'll\n\nChannel 0: the capital\n\nChannel 1: be some\n\nChannel 0: gains.\n\nChannel 1: fees.\n\nChannel 0: Yeah. So\n\nChannel 1: Yeah.\n\nChannel 0: the the\n\nChannel 1: Yeah.\n\nChannel 0: Benelon will help offset a lot of that. But in saying that, there will be slight capital gains that will come with that switch.\n\nChannel 1: Yep.\n\nChannel 0: And then with that, the majority of, like, that would come from, you know, selling fully out of that Miski investment, which is like an investment in the Europe, Asia sort of area outside The US. And then you'll be switching to the Vanguard, which will be replacing that. And\n\nChannel 1: Yep.\n\nChannel 0: then the the Australian beta shares will replace majority of the the Benelon because it's an Australian equities. And then you'll have some bank hybrids there. They're a little bit defensive as well. And then being in\n\nChannel 1: Yep.\n\nChannel 0: an index investment as opposed to like, more passively as opposed to the active management, you still have the same\n\nChannel 1: Yep.\n\nChannel 0: allocation to those growth assets, maybe slightly less. That's mean you're still positioning\n\nChannel 1: Yeah.\n\nChannel 0: yourself for that long term sustained growth in that sort of risk profile, but you don't have that manager risk, especially with what's going on in the markets at the moment. It's a lot harder to pick and choose given that\n\nChannel 1: Yeah.\n\nChannel 0: it's not the the regular kind of markets with the way the world is going. So it may still be a bit of a rough year just given, you know, the wars that are kicking off with Iran and, you know, Venezuela, The US. They're all sort of having a go at each other in Israel. But in saying\n\nChannel 1: Yep.\n\nChannel 0: that, this should perform better than what you currently end given that Benelon is a large majority of your portfolio. We're diversifying a little bit better as well.\n\nChannel 1: Yep. No. That's fine. Yeah. Yeah.\n\nSo, yeah, we can any other fees that I need to know? Like, was there was something, like, around 1,300 for our memory in fees.\n\nChannel 0: So, yeah, there is that slight capital gains cost. I'll just quickly bring up the rest of the fees. I'm not just making up figures off the top of my head. Bear\n\nChannel 1: That's\n\nChannel 0: with me\n\nChannel 1: alright.\n\nChannel 0: two seconds.\n\nChannel 1: Thank you.\n\nChannel 0: So, yeah, $539 with the CGT. Obviously, that could change slightly depending on the the markets at the time because it is fluctuating\n\nChannel 1: Yeah.\n\nChannel 0: daily. So that\n\nChannel 1: Yeah.\n\nChannel 0: was the estimated based on the balance. We get an upfront for rewriting the policy there with Clearview. So we get 66% of the premium that you do pay to them for setting up the policy. We don't get charged like, we don't charge that to you on top of what you're paying as those premiums. It's\n\nChannel 1: Yep.\n\nChannel 0: what the insurer pays to us for putting the work in for setting up the policy. In addition to maintaining it, we do get 22 of the ongoing premium, which is around 649. And then the ongoing fee is 1.1 because you're coupled up with\n\nChannel 1: Yep.\n\nChannel 0: your partner because\n\nChannel 1: Yep.\n\nChannel 0: she is on board. It's around 3,932 as an estimate, but that's charged monthly as just being an ongoing client. It's not like an additional cost that you pay as well, like, as an upfront. It's just\n\nChannel 1: Yep.\n\nChannel 0: what what you pay on ongoing there.\n\nChannel 1: Yep. That that's fine. And any other like, would there be any extra on Beyond fees, like, other than that to for these new funds, like, and stuff, or everything's\n\nChannel 0: So\n\nChannel 1: sort of the same?\n\nChannel 0: in terms of, like, the investment costs you'll be paying, so that was the fees that come directly to Oakview as part of managing your portfolio and insurances. As far as the cost of the ongoing investments, you're actually saving money by getting rid of the managed\n\nChannel 1: Yes.\n\nChannel 0: investment there. So the ongoing investment fee is around 547 down from 1,928. There's other fees associated as well that have gone down from $2.60 to 93. The\n\nChannel 1: Yep.\n\nChannel 0: adviser fee, just given that the balance change as well, is estimated to be roughly the the same with the the slight change in the the cost. But, obviously,\n\nChannel 1: Yep.\n\nChannel 0: that's the fee that I disclosed to you as well. Your contributions will be going up. So with that, the funds under management, obviously, it's percentage based, so that will contribute to you paying us as, like, ongoing as well. Something just to be mindful of even though it's not huge. And then your insurance premiums will be nearly halved as well.\n\nSo a lot of ongoing\n\nChannel 1: Yep.\n\nChannel 0: savings there that you'll be having moving forward\n\nChannel 1: Yep.\n\nChannel 0: as opposed to what you're you're currently paying.\n\nChannel 1: No problem. Yeah. If you wanna send me the that thing, I'll sign it this afternoon, and, yeah, we can get that going.\n\nChannel 0: Perfect. So I'll resend that now. It should just pop up to the top of your inbox. So you just click on the link and just follow the signing steps. It's important to draw your signature to your actual signature, not to just prefill it.\n\nIt'll prefill it with your name in cursive, which is stupid, I know, but it does prompt just to do that to make sure you are drawing a signature if it's the first time you're using it there.\n\nChannel 1: Oh, okay. I might\n\nChannel 0: Yeah.\n\nChannel 1: have\n\nChannel 0: And then\n\nChannel 1: to wait till tomorrow to do it at work if that's okay.\n\nChannel 0: not not a problem\n\nChannel 1: Because,\n\nChannel 0: at all, Zoran.\n\nChannel 1: yeah, I haven't got a PC with me, but I'll do it first thing tomorrow morning.\n\nChannel 0: More than fine. You still got plenty of time.\n\nChannel 1: Yep.\n\nChannel 0: As long as it's signed before your personal statement on Monday there,\n\nChannel 1: Yep.\n\nChannel 0: it shouldn't\n\nChannel 1: Yep.\n\nChannel 0: have any towards anything. I'll just double check everything else. I don't believe we need anything else. The ID is up to date, so that should all be fine. As far as, like, the next steps following that, obviously, you've got your personal statement booked in, so that'll get the ball rolling with the insurance side of things.\n\nObviously,\n\nChannel 1: Yep.\n\nChannel 0: you're you're monitoring your income statement and then also your salary sacrifice with myGov just to make sure. We did illustrate that in the document that you already increased it. Just something to be mindful of to keep an eye on that moving forward. And then other than that, they'll change the investment in the back end once that's signed and saved down and everything as well.\n\nChannel 1: No problem. Thank you. Sounds good.\n\nChannel 0: No problem. Anything else for me, Zoran, while you've got me?\n\nChannel 1: No. That's all. Thank you. Thanks for returning my call quickly.\n\nChannel 0: Not a problem at all, Zoran. Happy to help. Any other questions you might have or if you do have any questions when I you'll be speaking with my colleague, Jack, I believe. If he's not available, it might be someone else. But\n\nChannel 1: Yep.\n\nChannel 0: then following from that, if I'm available and you wanna have a quick chat about anything, feel free to just let Jack know.\n\nChannel 1: No worries. Thank you. Thanks, Kyle.\n\nChannel 0: No no problem, Zoe. You enjoy the rest of your day. Thanks for your time.\n\nChannel 1: You too. Thank you. Bye.\n\nChannel 0: Cheers. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.1999999,"end":1.6999999,"sentiment":"neutral","sentiment_score":0.03794677555561066},{"text":"Zara speaking.","start":1.76,"end":2.5,"sentiment":"neutral","sentiment_score":0.06671637110412121}],"sentiment":"neutral","sentiment_score":0.057126505921284355,"channel":1,"num_words":3,"start":1.1999999,"end":2.5},{"sentences":[{"text":"Good afternoon, Zoran.","start":2.56,"end":3.36,"sentiment":"positive","sentiment_score":0.531544158856074},{"text":"It's Kyle calling from OQ Financial.","start":3.36,"end":4.88,"sentiment":"positive","sentiment_score":0.3657139837741852},{"text":"How's it going today?","start":4.88,"end":5.8599997,"sentiment":"positive","sentiment_score":0.4341539442539215}],"sentiment":"positive","sentiment_score":0.42504093509453994,"channel":0,"num_words":13,"start":2.56,"end":5.8599997},{"sentences":[{"text":"Yeah.","start":6.48,"end":6.8799996,"sentiment":"neutral","sentiment_score":0.2012922614812851},{"text":"Not too bad.","start":6.8799996,"end":7.52,"sentiment":"neutral","sentiment_score":0.330193688472112},{"text":"How are you, Carl?","start":7.52,"end":8.42,"sentiment":"neutral","sentiment_score":0.3285764530301094}],"sentiment":"neutral","sentiment_score":0.31327239237725735,"channel":1,"num_words":8,"start":6.48,"end":8.42},{"sentences":[{"text":"Yeah.","start":8.559999,"end":8.88,"sentiment":"neutral","sentiment_score":0.23460189998149872},{"text":"Not too bad.","start":8.88,"end":9.5199995,"sentiment":"positive","sentiment_score":0.38007386525472003},{"text":"Thanks for asking.","start":9.5199995,"end":10.4,"sentiment":"positive","sentiment_score":0.6927612622578939},{"text":"I just scheduled in.","start":10.4,"end":11.599999,"sentiment":"positive","sentiment_score":0.39486029744148254},{"text":"I know you rang in this morning just to go over a few questions you had regarding the advice.","start":11.599999,"end":15.299999,"sentiment":"neutral","sentiment_score":0.24319184453863846}],"sentiment":"neutral","sentiment_score":0.32177311728398006,"channel":0,"num_words":30,"start":8.559999,"end":15.299999},{"sentences":[{"text":"Yeah.","start":16.135,"end":16.455,"sentiment":"neutral","sentiment_score":0.09710723906755447},{"text":"I only bring about an hour ago.","start":16.455,"end":18.395,"sentiment":"neutral","sentiment_score":0.0970849682177816},{"text":"I just wanted to, yeah, ring it to let you know.","start":18.535,"end":21.175,"sentiment":"neutral","sentiment_score":0.14717182381586594},{"text":"Like, I went over everything and, like, do I need to still sign that email that you sent me?","start":21.175,"end":28.475,"sentiment":"neutral","sentiment_score":0.04385313921068844},{"text":"I can't remember what we did.","start":28.855,"end":30.135,"sentiment":"neutral","sentiment_score":-0.03810165263712406}],"sentiment":"neutral","sentiment_score":0.06818617744879289,"channel":1,"num_words":44,"start":16.135,"end":30.135},{"sentences":[{"text":"We already do that, but just to to give it a go ahead.","start":30.135,"end":34.26,"sentiment":"neutral","sentiment_score":0.07321836111637262}],"sentiment":"neutral","sentiment_score":0.07321836111637262,"channel":1,"num_words":13,"start":30.135,"end":34.26},{"sentences":[{"text":"Yep.","start":35.28,"end":35.78,"sentiment":"neutral","sentiment_score":0.06065104529261589},{"text":"So without discussing any personal details, obviously, this is gonna pass through security.","start":36.4,"end":40.08,"sentiment":"neutral","sentiment_score":-0.1121377027951754},{"text":"Obviously, I know it's you.","start":40.08,"end":40.88,"sentiment":"neutral","sentiment_score":-0.07448761090636254},{"text":"But,","start":40.88,"end":41.235,"sentiment":"neutral","sentiment_score":0.014246825128793716}],"sentiment":"neutral","sentiment_score":-0.08776651602238417,"channel":0,"num_words":20,"start":35.28,"end":41.235},{"sentences":[{"text":"Sure.","start":41.76,"end":42.079998,"sentiment":"neutral","sentiment_score":0.06957387179136276}],"sentiment":"neutral","sentiment_score":0.06957387179136276,"channel":1,"num_words":1,"start":41.76,"end":42.079998},{"sentences":[{"text":"yeah,","start":41.795002,"end":42.115,"sentiment":"neutral","sentiment_score":0.12192097306251526}],"sentiment":"neutral","sentiment_score":0.12192097306251526,"channel":0,"num_words":1,"start":41.795002,"end":42.115},{"sentences":[{"text":"Yep.","start":42.079998,"end":42.579998,"sentiment":"neutral","sentiment_score":0.13443253934383392}],"sentiment":"neutral","sentiment_score":0.13443253934383392,"channel":1,"num_words":1,"start":42.079998,"end":42.579998},{"sentences":[{"text":"if you if you were happy with everything, I can resend the link.","start":42.115,"end":45.395,"sentiment":"neutral","sentiment_score":0.17435147040165389},{"text":"You would have to sign that statement of advice to go ahead with everything.","start":45.395,"end":48.035,"sentiment":"neutral","sentiment_score":0.19703131754483497},{"text":"And then even then, if you wanted to book in a time to go through that insurance application to update those insurances to lower that premium as well, then","start":48.035,"end":57.68,"sentiment":"neutral","sentiment_score":0.13210086884169742}],"sentiment":"neutral","sentiment_score":0.15814165637961455,"channel":0,"num_words":56,"start":42.115,"end":57.68},{"sentences":[{"text":"Yeah.","start":57.644997,"end":58.045,"sentiment":"neutral","sentiment_score":0.2023775577545166}],"sentiment":"neutral","sentiment_score":0.2023775577545166,"channel":1,"num_words":1,"start":57.644997,"end":58.045},{"sentences":[{"text":"I can","start":57.68,"end":58.16,"sentiment":"neutral","sentiment_score":0.24889683723449707}],"sentiment":"neutral","sentiment_score":0.24889683723449707,"channel":0,"num_words":2,"start":57.68,"end":58.16},{"sentences":[{"text":"Yeah.","start":58.045,"end":58.545,"sentiment":"neutral","sentiment_score":0.21680811047554016}],"sentiment":"neutral","sentiment_score":0.21680811047554016,"channel":1,"num_words":1,"start":58.045,"end":58.545},{"sentences":[{"text":"get you booked in to do that pre assessment either maybe tomorrow afternoon or sometime next week.","start":58.16,"end":64.34,"sentiment":"neutral","sentiment_score":0.2312149712268044}],"sentiment":"neutral","sentiment_score":0.2312149712268044,"channel":0,"num_words":17,"start":58.16,"end":64.34},{"sentences":[{"text":"I can do it tomorrow afternoon, around this time, if that suits.","start":65.520004,"end":70.340004,"sentiment":"neutral","sentiment_score":0.21097757667303085}],"sentiment":"neutral","sentiment_score":0.21097757667303085,"channel":1,"num_words":12,"start":65.520004,"end":70.340004},{"sentences":[{"text":"The person that does it won't be in the office past 02:30.","start":71.774994,"end":75.695,"sentiment":"neutral","sentiment_score":0.063553755171597},{"text":"So the latest they could probably do would probably be 1PM tomorrow.","start":75.695,"end":79.235,"sentiment":"neutral","sentiment_score":0.10025461328526337},{"text":"Otherwise, they can do sometime next week, even the same, like, 4PM our time next Monday.","start":79.375,"end":85.71,"sentiment":"neutral","sentiment_score":0.09790356270968914}],"sentiment":"neutral","sentiment_score":0.08830393562093378,"channel":0,"num_words":40,"start":71.774994,"end":85.71},{"sentences":[{"text":"Next Monday, 4PM.","start":87.29,"end":89.15,"sentiment":"neutral","sentiment_score":0.03944405478735765},{"text":"Yeah.","start":89.69,"end":89.93,"sentiment":"neutral","sentiment_score":0.14293456077575684},{"text":"That should be okay.","start":89.93,"end":91.07,"sentiment":"neutral","sentiment_score":0.22730575129389763}],"sentiment":"neutral","sentiment_score":0.14631121628917754,"channel":1,"num_words":8,"start":87.29,"end":91.07},{"sentences":[{"text":"No problem.","start":92.33,"end":93.07,"sentiment":"neutral","sentiment_score":0.18269126117229462},{"text":"Obviously, we'll have to sign that document before then, Zoran,","start":93.21,"end":96.11,"sentiment":"neutral","sentiment_score":0.035319489613175395}],"sentiment":"neutral","sentiment_score":0.05988145153969526,"channel":0,"num_words":12,"start":92.33,"end":96.11},{"sentences":[{"text":"Yes.","start":95.69,"end":96.19,"sentiment":"neutral","sentiment_score":0.09397229552268982}],"sentiment":"neutral","sentiment_score":0.09397229552268982,"channel":1,"num_words":1,"start":95.69,"end":96.19},{"sentences":[{"text":"to","start":96.605,"end":96.765,"sentiment":"neutral","sentiment_score":0.09861376881599426}],"sentiment":"neutral","sentiment_score":0.09861376881599426,"channel":0,"num_words":1,"start":96.605,"end":96.765},{"sentences":[{"text":"Yeah.","start":96.73,"end":97.23,"sentiment":"neutral","sentiment_score":0.13088198006153107}],"sentiment":"neutral","sentiment_score":0.13088198006153107,"channel":1,"num_words":1,"start":96.73,"end":97.23},{"sentences":[{"text":"make sure that you're happy with everything.","start":96.765,"end":98.365,"sentiment":"neutral","sentiment_score":0.2627858285393034},{"text":"Obviously, did you have any questions regarding the document itself or any other things regarding that?","start":98.365,"end":104.865,"sentiment":"neutral","sentiment_score":0.021480587776750326}],"sentiment":"neutral","sentiment_score":0.09492131322622299,"channel":0,"num_words":23,"start":96.765,"end":104.865},{"sentences":[{"text":"No.","start":106.025,"end":106.345,"sentiment":"neutral","sentiment_score":-0.002450607717037201},{"text":"I looked at the insurance, and that was all, like, yeah, pretty much what what we discussed.","start":106.345,"end":110.925,"sentiment":"neutral","sentiment_score":0.03830784318201682},{"text":"And, yeah,","start":110.985,"end":111.945,"sentiment":"neutral","sentiment_score":0.19652985036373138}],"sentiment":"neutral","sentiment_score":0.052092121355235575,"channel":1,"num_words":20,"start":106.025,"end":111.945},{"sentences":[{"text":"Yep.","start":111.74,"end":112.24,"sentiment":"neutral","sentiment_score":0.2548280954360962}],"sentiment":"neutral","sentiment_score":0.2548280954360962,"channel":0,"num_words":1,"start":111.74,"end":112.24},{"sentences":[{"text":"that I was, yeah, pretty happy with all that.","start":111.945,"end":115.47,"sentiment":"positive","sentiment_score":0.37483153823349213},{"text":"We're just basically lowering some, like, with the income connection and and the TPD and all that, just lowering amounts to make it cheaper and yeah.","start":115.47,"end":124.350006,"sentiment":"neutral","sentiment_score":0.16588974514832863},{"text":"Cool.","start":124.350006,"end":124.850006,"sentiment":"positive","sentiment_score":0.6481759548187256},{"text":"That that's what we're kinda doing, isn't it?","start":125.87,"end":128.29001,"sentiment":"positive","sentiment_score":0.3447311371564865}],"sentiment":"neutral","sentiment_score":0.25210550613701344,"channel":1,"num_words":44,"start":111.945,"end":128.29001},{"sentences":[{"text":"So if I could just pass you security, I'll talk to the actual amount just to refresh","start":129.515,"end":132.635,"sentiment":"neutral","sentiment_score":0.0556000197196708}],"sentiment":"neutral","sentiment_score":0.0556000197196708,"channel":0,"num_words":17,"start":129.515,"end":132.635},{"sentences":[{"text":"Yeah.","start":132.405,"end":132.905,"sentiment":"neutral","sentiment_score":0.03931839019060135}],"sentiment":"neutral","sentiment_score":0.03931839019060135,"channel":1,"num_words":1,"start":132.405,"end":132.905},{"sentences":[{"text":"your 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Zoran.","start":149.135,"end":150.675,"sentiment":"positive","sentiment_score":0.7637719810009003}],"sentiment":"neutral","sentiment_score":0.2454941770993173,"channel":0,"num_words":32,"start":133.115,"end":150.675},{"sentences":[{"text":"Yeah.","start":151.01,"end":151.51,"sentiment":"neutral","sentiment_score":0.1833459585905075}],"sentiment":"neutral","sentiment_score":0.1833459585905075,"channel":1,"num_words":1,"start":151.01,"end":151.51},{"sentences":[{"text":"Now in regards to what you've got and what you're replacing there, so currently, you've got that Neos policy for around $3.10 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in turn lowers the premium and then also lowering the the cover amount slightly also helps with, like, carving that premium, Nilan.","start":190.535,"end":201.17,"sentiment":"neutral","sentiment_score":0.16742081674081938}],"sentiment":"neutral","sentiment_score":0.16742081674081938,"channel":0,"num_words":28,"start":190.535,"end":201.17},{"sentences":[{"text":"Yeah.","start":202.0,"end":202.31999,"sentiment":"neutral","sentiment_score":0.11053503304719924},{"text":"Yeah.","start":202.31999,"end":202.64,"sentiment":"neutral","sentiment_score":0.1240169107913971},{"text":"I understood all that.","start":202.64,"end":203.76,"sentiment":"neutral","sentiment_score":0.12087824381887913},{"text":"That's that's all fine.","start":203.76,"end":205.06,"sentiment":"neutral","sentiment_score":0.2908335253596306},{"text":"That was the 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insurances.","start":455.4,"end":462.94,"sentiment":"neutral","sentiment_score":0.00648907630238682},{"text":"As far as the cost of the ongoing investments, you're actually saving money by getting rid of the managed","start":463.88,"end":470.355,"sentiment":"neutral","sentiment_score":0.11942078722150702}],"sentiment":"neutral","sentiment_score":0.052142321142031156,"channel":0,"num_words":47,"start":455.4,"end":470.355},{"sentences":[{"text":"Yes.","start":470.3,"end":470.8,"sentiment":"neutral","sentiment_score":0.12150853127241136}],"sentiment":"neutral","sentiment_score":0.12150853127241136,"channel":1,"num_words":1,"start":470.3,"end":470.8},{"sentences":[{"text":"investment there.","start":470.355,"end":471.33502,"sentiment":"neutral","sentiment_score":0.1049439087510109},{"text":"So the ongoing investment fee is around 547 down from 1,928.","start":471.635,"end":476.935,"sentiment":"neutral","sentiment_score":0.11294044994495132},{"text":"There's other fees associated as well 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obviously,","start":493.385,"end":493.86502,"sentiment":"neutral","sentiment_score":0.04385694861412048}],"sentiment":"neutral","sentiment_score":0.04836323606813776,"channel":0,"num_words":29,"start":483.65,"end":493.86502},{"sentences":[{"text":"Yep.","start":493.59,"end":494.09,"sentiment":"neutral","sentiment_score":0.05941511318087578}],"sentiment":"neutral","sentiment_score":0.05941511318087578,"channel":1,"num_words":1,"start":493.59,"end":494.09},{"sentences":[{"text":"that's the fee that I disclosed to you as well.","start":493.86502,"end":496.045,"sentiment":"neutral","sentiment_score":0.08891111090779305},{"text":"Your contributions will be going up.","start":496.42502,"end":498.505,"sentiment":"neutral","sentiment_score":0.18762018034855524},{"text":"So with that, the funds under management, obviously, it's percentage based, so that will contribute to you paying us as, like, ongoing as 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you're you're currently paying.","start":515.98,"end":518.32,"sentiment":"neutral","sentiment_score":0.025835547596216202}],"sentiment":"neutral","sentiment_score":0.025835547596216202,"channel":0,"num_words":8,"start":515.98,"end":518.32},{"sentences":[{"text":"No problem.","start":519.14,"end":519.94,"sentiment":"neutral","sentiment_score":0.22912055999040604},{"text":"Yeah.","start":519.94,"end":520.26,"sentiment":"neutral","sentiment_score":0.2623079717159271},{"text":"If you wanna send me the that thing, I'll sign it this afternoon, and, yeah, we can get that going.","start":520.26,"end":528.015,"sentiment":"neutral","sentiment_score":0.3084629029035568}],"sentiment":"neutral","sentiment_score":0.2995568325986033,"channel":1,"num_words":23,"start":519.14,"end":528.015},{"sentences":[{"text":"Perfect.","start":528.715,"end":529.115,"sentiment":"positive","sentiment_score":0.6215211749076843},{"text":"So I'll resend that now.","start":529.115,"end":530.395,"sentiment":"positive","sentiment_score":0.3691167712211609},{"text":"It should just pop up to the top of your inbox.","start":530.395,"end":532.47,"sentiment":"positive","sentiment_score":0.35331059856848285},{"text":"So you just click on the link and just follow the signing steps.","start":532.55,"end":534.70996,"sentiment":"neutral","sentiment_score":0.21466383911096132},{"text":"It's important to draw your signature to your actual signature, not to just prefill it.","start":534.70996,"end":538.94995,"sentiment":"neutral","sentiment_score":0.08527349854509035}],"sentiment":"neutral","sentiment_score":0.23162786670857005,"channel":0,"num_words":45,"start":528.715,"end":538.94995},{"sentences":[{"text":"It'll prefill it with your name in cursive, which is stupid, I know, but it does prompt just to do that to make sure you are drawing a signature if it's the first time you're using it 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it at work if that's okay.","start":551.16003,"end":554.62,"sentiment":"neutral","sentiment_score":0.07926811619351308}],"sentiment":"neutral","sentiment_score":0.07926811619351308,"channel":1,"num_words":12,"start":551.16003,"end":554.62},{"sentences":[{"text":"not not a problem","start":555.205,"end":556.005,"sentiment":"neutral","sentiment_score":0.1794871985912323}],"sentiment":"neutral","sentiment_score":0.1794871985912323,"channel":0,"num_words":4,"start":555.205,"end":556.005},{"sentences":[{"text":"Because,","start":555.94495,"end":556.425,"sentiment":"neutral","sentiment_score":0.19913193583488464}],"sentiment":"neutral","sentiment_score":0.19913193583488464,"channel":1,"num_words":1,"start":555.94495,"end":556.425},{"sentences":[{"text":"at all, 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anything.","start":567.30005,"end":568.76,"sentiment":"neutral","sentiment_score":0.00007970817387104034},{"text":"I'll just double check everything else.","start":569.38,"end":571.78,"sentiment":"neutral","sentiment_score":0.13111554210384688},{"text":"I don't believe we need anything else.","start":571.78,"end":574.10004,"sentiment":"neutral","sentiment_score":-0.009214954849864756},{"text":"The ID is up to date, so that should all be fine.","start":574.10004,"end":576.86505,"sentiment":"neutral","sentiment_score":0.2336514095465342},{"text":"As far as, like, the next steps following that, obviously, you've got your personal statement booked in, so that'll get the ball rolling with the insurance side of 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increased it.","start":593.26,"end":596.3,"sentiment":"neutral","sentiment_score":0.11146055658658345},{"text":"Just something to be mindful of to keep an eye on that moving forward.","start":596.3,"end":599.36,"sentiment":"neutral","sentiment_score":0.13240835150437696},{"text":"And then other than that, they'll change the investment in the back end once that's signed and saved down and everything as well.","start":600.78503,"end":605.925,"sentiment":"neutral","sentiment_score":0.1088198990277622}],"sentiment":"neutral","sentiment_score":0.11313762365659671,"channel":0,"num_words":67,"start":585.965,"end":605.925},{"sentences":[{"text":"No problem.","start":607.27997,"end":607.92,"sentiment":"neutral","sentiment_score":0.26572342962026596},{"text":"Thank you.","start":607.92,"end":608.4,"sentiment":"positive","sentiment_score":0.45118626952171326},{"text":"Sounds 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call quickly.","start":613.89496,"end":615.755,"sentiment":"positive","sentiment_score":0.5372786770264307}],"sentiment":"positive","sentiment_score":0.4009605957703157,"channel":1,"num_words":11,"start":612.77496,"end":615.755},{"sentences":[{"text":"Not a problem at all, Zoran.","start":616.39996,"end":617.6,"sentiment":"positive","sentiment_score":0.41561633348464966},{"text":"Happy to help.","start":617.6,"end":618.31995,"sentiment":"positive","sentiment_score":0.6452519694964091},{"text":"Any other questions you might have or if you do have any questions when I you'll be speaking with my colleague, Jack, I believe.","start":618.31995,"end":623.37994,"sentiment":"neutral","sentiment_score":0.22402929235249758},{"text":"If he's not available, it might be someone else.","start":623.51996,"end":625.62,"sentiment":"neutral","sentiment_score":-0.00966184658722745},{"text":"But","start":625.92,"end":626.07996,"sentiment":"neutral","sentiment_score":0.12087602913379668}],"sentiment":"neutral","sentiment_score":0.22883898455129806,"channel":0,"num_words":43,"start":616.39996,"end":626.07996},{"sentences":[{"text":"Yep.","start":625.98,"end":626.48,"sentiment":"neutral","sentiment_score":0.1083204373717308}],"sentiment":"neutral","sentiment_score":0.1083204373717308,"channel":1,"num_words":1,"start":625.98,"end":626.48},{"sentences":[{"text":"then following from that, if I'm available and you wanna have a quick chat about anything, feel free to just let Jack know.","start":626.07996,"end":633.195,"sentiment":"neutral","sentiment_score":0.20456444860800452}],"sentiment":"neutral","sentiment_score":0.20456444860800452,"channel":0,"num_words":23,"start":626.07996,"end":633.195},{"sentences":[{"text":"No worries.","start":633.89996,"end":634.62,"sentiment":"neutral","sentiment_score":0.26504085958004},{"text":"Thank you.","start":634.62,"end":635.18,"sentiment":"positive","sentiment_score":0.4921160936355591},{"text":"Thanks, Kyle.","start":635.18,"end":636.08,"sentiment":"positive","sentiment_score":0.42662155628204346}],"sentiment":"positive","sentiment_score":0.3945928364992142,"channel":1,"num_words":6,"start":633.89996,"end":636.08},{"sentences":[{"text":"No no problem, Zoe.","start":635.655,"end":636.935,"sentiment":"positive","sentiment_score":0.61140276491642},{"text":"You enjoy the rest of your day.","start":636.935,"end":637.815,"sentiment":"positive","sentiment_score":0.7285978432212558},{"text":"Thanks for your time.","start":637.815,"end":638.875,"sentiment":"positive","sentiment_score":0.8695847988128662}],"sentiment":"positive","sentiment_score":0.7349423438310623,"channel":0,"num_words":15,"start":635.655,"end":638.875},{"sentences":[{"text":"You too.","start":638.56696,"end":639.12695,"sentiment":"positive","sentiment_score":0.6525279581546783},{"text":"Thank you.","start":639.12695,"end":639.60693,"sentiment":"positive","sentiment_score":0.7494984865188599},{"text":"Bye.","start":639.60693,"end":640.10693,"sentiment":"positive","sentiment_score":0.4947491586208343}],"sentiment":"positive","sentiment_score":0.6597604095935822,"channel":1,"num_words":5,"start":638.56696,"end":640.10693},{"sentences":[{"text":"Cheers.","start":640.455,"end":640.775,"sentiment":"positive","sentiment_score":0.6014177799224854},{"text":"Bye.","start":640.775,"end":641.275,"sentiment":"neutral","sentiment_score":0.30311906337738037}],"sentiment":"positive","sentiment_score":0.45226842164993286,"channel":0,"num_words":2,"start":640.455,"end":641.275},{"sentences":[{"text":"Bye.","start":641.68695,"end":642.18695,"sentiment":"neutral","sentiment_score":-0.08769073337316513}],"sentiment":"neutral","sentiment_score":-0.08769073337316513,"channel":1,"num_words":1,"start":641.68695,"end":642.18695}]},"summary":{"result":"success","short":"Kyle from OQ Financial and Z attracted discuss Z's need for an email and offer to resend a link to sign a statement of advice. They also discuss the replacement of their Neos policy and the benefits of selling their Vanguard portfolio. They provide information on fees and ongoing investments, including fees for setting up policies and managing funds. The speaker also discusses fees for insurance and reminds the customer to read their personal statement and let their colleague know if they have any questions."},"intents":{"segments":[{"text":"get you booked in to do that pre assessment either maybe tomorrow afternoon or sometime next week.","start_word":194,"end_word":210,"intents":[{"intent":"Schedule pre assessment","confidence_score":0.26280898}]},{"text":"oh, once rewriting the policy that in turn lowers the premium and then also lowering the the cover amount slightly also helps with, like, carving that premium, Nilan. Yeah.","start_word":558,"end_word":586,"intents":[{"intent":"Reevaluate policy options","confidence_score":0.00043224188}]},{"text":"Benelon will help offset a lot of that. But in saying that, there will be slight capital gains that will come with that switch. Yep.","start_word":853,"end_word":877,"intents":[{"intent":"Discuss benelon investment","confidence_score":0.000025785053}]},{"text":"We're diversifying a little bit better as well. Yep.","start_word":1124,"end_word":1132,"intents":[{"intent":"Assess portfolio diversification","confidence_score":0.020466404}]},{"text":"And any other like, would there be any extra on Beyond fees, like, other than that to for these new funds, like, and stuff, or everything's So sort of the same? in terms of, like, the investment costs you'll be paying, so that was the fees that come directly to Oakview as part of managing your portfolio and insurances.","start_word":1388,"end_word":1446,"intents":[{"intent":"Clarify fee information and investment fees","confidence_score":0.0000018399921},{"intent":"Discuss impact of fees on portfolio management","confidence_score":0.0002581172}]},{"text":"As far as the cost of the ongoing investments, you're actually saving money by getting rid of the managed Yes. investment there.","start_word":1447,"end_word":1468,"intents":[{"intent":"Share savings and insurance premiums","confidence_score":0.00014245002}]},{"text":"If you wanna send me the that thing, I'll sign it this afternoon, and, yeah, we can get that going. Perfect.","start_word":1614,"end_word":1634,"intents":[{"intent":"Propose renewal of signature","confidence_score":0.000006106762}]},{"text":"The ID is up to date, so that should all be fine.","start_word":1804,"end_word":1815,"intents":[{"intent":"Check id information","confidence_score":0.0004167125}]},{"text":"As far as, like, the next steps following that, obviously, you've got your personal statement booked in, so that'll get the ball rolling with the insurance side of things.","start_word":1816,"end_word":1844,"intents":[{"intent":"Follow up on personal statement","confidence_score":0.010385933}]},{"text":"you're you're monitoring your income statement and then also your salary sacrifice with myGov just to make sure.","start_word":1847,"end_word":1864,"intents":[{"intent":"Monitor income statement","confidence_score":0.05939875}]},{"text":"And then other than that, they'll change the investment in the back end once that's signed and saved down and everything as well. No problem.","start_word":1891,"end_word":1915,"intents":[{"intent":"Change investment location","confidence_score":0.002626435}]},{"text":"Anything else for me, Zoran, while you've got me? No.","start_word":1922,"end_word":1931,"intents":[{"intent":"Help others","confidence_score":0.00012441518}]}]},"sentiments":{"segments":[{"text":"Hello? Zara speaking.","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.05712650716304779},{"text":"Good afternoon, Zoran. It's Kyle calling from OQ Financial. How's it going today?","start_word":3,"end_word":15,"sentiment":"positive","sentiment_score":0.4385407269001007},{"text":"Yeah. Not too bad. How are you, Carl? Yeah.","start_word":16,"end_word":24,"sentiment":"neutral","sentiment_score":0.29791513085365295},{"text":"Not too bad. Thanks for asking. I just scheduled in.","start_word":25,"end_word":34,"sentiment":"positive","sentiment_score":0.4907015562057495},{"text":"I know you rang in this morning just to go over a few questions you had regarding the advice. Yeah. I only bring about an hour ago. I just wanted to, yeah, ring it to let you know. Like, I went over everything and, like, do I need to still sign that email that you sent me? I can't remember what we did. We already do that, but just to to give it a go ahead. Yep. So without discussing any personal details, obviously, this is gonna pass through security. Obviously, I know it's you. But, Sure. yeah, Yep. if you if you were happy with everything, I can resend the link. You would have to sign that statement of advice to go ahead with everything. And then even then, if you wanted to book in a time to go through that insurance application to update those insurances to lower that premium as well, then Yeah. I can Yeah. get you booked in to do that pre assessment either maybe tomorrow afternoon or sometime next week. I can do it tomorrow afternoon, around this time, if that suits. The person that does it won't be in the office past 02:30. So the latest they could probably do would probably be 1PM tomorrow. Otherwise, they can do sometime next week, even the same, like, 4PM our time next Monday. Next Monday, 4PM. Yeah. That should be okay. No problem. Obviously, we'll have to sign that document before then, Zoran, Yes. to Yeah. make sure that you're happy with everything. Obviously, did you have any questions regarding the document itself or any other things regarding that? No. I looked at the insurance, and that was all, like, yeah, pretty much what what we discussed. And, yeah, Yep.","start_word":35,"end_word":329,"sentiment":"neutral","sentiment_score":0.10679565370082857},{"text":"that I was, yeah, pretty happy with all that.","start_word":330,"end_word":338,"sentiment":"positive","sentiment_score":0.3940645158290863},{"text":"We're just basically lowering some, like, with the income connection and and the TPD and all that, just lowering amounts to make it cheaper and yeah.","start_word":339,"end_word":364,"sentiment":"neutral","sentiment_score":0.161270871758461},{"text":"Cool. That that's what we're kinda doing, isn't it?","start_word":365,"end_word":373,"sentiment":"positive","sentiment_score":0.3665799796581268},{"text":"So if I could just pass you security, I'll talk to the actual amount just to refresh Yeah. your memory Yeah. there. Just if you could just go with your name, date of birth, current address, I'll, you know, talk about your actual personal details there.","start_word":374,"end_word":419,"sentiment":"neutral","sentiment_score":0.08127415925264359},{"text":"Perfect. Thanks for that one there, Zoran.","start_word":420,"end_word":426,"sentiment":"positive","sentiment_score":0.7494532465934753},{"text":"Yeah. Now in regards to what you've got and what you're replacing there, so currently, you've got that Neos policy for around $3.10 for Yeah. life and total parent disability, and then the income protection's around 8,600 as a monthly benefit with a month Yep. wait and Yep. a five year benefit period. Now what you'll be replacing that with the like you said, the premium does come down, and then it's only reducing down slightly to the 300,000 of life and TBD Yeah. just because the Yeah. CPO, and then the income protection is dropping to just the 7,000 monthly benefit Yeah. just because you were comfortable with that and you didn't feel like you needed much more than that to cover your ongoing expenses. And with Yeah. that Correct. oh, once rewriting the policy that in turn lowers the premium and then also lowering the the cover amount slightly also helps with, like, carving that premium, Nilan. Yeah. Yeah. I understood all that. That's that's all fine. That was the insurance. As as far as the portfolio, yeah, I think yeah. I I don't see any other option other than selling that. Like, I have a re redoing the portfolio to what you suggested, really, getting rid Dependalone. of what would I been along and, yeah, and and putting it in other other places like you've suggested. Like, I don't know much about it, but, yeah, if that's the best advice you guys offer, then, yeah, I'll go with that. Yeah. Even from the time when you've sort of been reviewing that one, like, been long hasn't really done much. It's gone up a little bit, and it's gone back down a little bit. So Yeah. even I from noticed the time for that.","start_word":427,"end_word":722,"sentiment":"neutral","sentiment_score":0.020900823024881852},{"text":"you reading the the document, it's still kind of stagnant in the loss it's already made.","start_word":723,"end_word":738,"sentiment":"negative","sentiment_score":-0.39987173676490784},{"text":"So you're probably like, you you're just better off being in something else where even though you're taking the loss, it offsets that capital gain. It's in something that will be making a return Yeah. as opposed to what Ben Long's currently trying to recover from. Yeah. Yeah. I think so as well. Like, I thought about it for a while, and I think I just gotta, yeah, bite the bullet and do it. With the costs and the stuff like you said you have to pay some some benefit tax or something like 500 and something dollars, and then The there'll the capital be some gains. fees. Yeah. So Yeah. the the Yeah. Benelon will help offset a lot of that. But in saying that, there will be slight capital gains that will come with that switch. Yep. And then with that, the majority of, like, that would come from, you know, selling fully out of that Miski investment, which is like an investment in the Europe, Asia sort of area outside The US. And then you'll be switching to the Vanguard, which will be replacing that. And Yep. then the the Australian beta shares will replace majority of the the Benelon because it's an Australian equities. And then you'll have some bank hybrids there. They're a little bit defensive as well. And then being in Yep. an index investment as opposed to like, more passively as opposed to the active management, you still have the same Yep. allocation to those growth assets, maybe slightly less. That's mean you're still positioning Yeah. yourself for that long term sustained growth in that sort of risk profile, but you don't have that manager risk, especially with what's going on in the markets at the moment. It's a lot harder to pick and choose given that Yeah. it's not the the regular kind of markets with the way the world is going. So it may still be a bit of a rough year just given, you know, the wars that are kicking off with Iran and, you know, Venezuela, The US. They're all sort of having a go at each other in Israel. But in saying Yep.","start_word":739,"end_word":1103,"sentiment":"neutral","sentiment_score":-0.004713765991060701},{"text":"that, this should perform better than what you currently end given that Benelon is a large majority of your portfolio. We're diversifying a little bit better as well.","start_word":1104,"end_word":1131,"sentiment":"positive","sentiment_score":0.4699024260044098},{"text":"Yep. No. That's fine. Yeah. Yeah. So, yeah, we can any other fees that I need to know? Like, was there was something, like, around 1,300 for our memory in fees. So, yeah, there is that slight capital gains cost. I'll just quickly bring up the rest of the fees. I'm not just making up figures off the top of my head. Bear That's with me alright. two seconds.","start_word":1132,"end_word":1200,"sentiment":"neutral","sentiment_score":0.03712623566389084},{"text":"Thank you.","start_word":1201,"end_word":1202,"sentiment":"positive","sentiment_score":0.3558247983455658},{"text":"So, yeah, $539 with the CGT. Obviously, that could change slightly depending on the the markets at the time because it is fluctuating Yeah. daily. So that Yeah. was the estimated based on the balance. We get an upfront for rewriting the policy there with Clearview. So we get 66% of the premium that you do pay to them for setting up the policy. We don't get charged like, we don't charge that to you on top of what you're paying as those premiums.","start_word":1203,"end_word":1286,"sentiment":"neutral","sentiment_score":0.12315112352371216},{"text":"It's Yep. what the insurer pays to us for putting the work in for setting up the policy.","start_word":1287,"end_word":1304,"sentiment":"positive","sentiment_score":0.34798917174339294},{"text":"In addition to maintaining it, we do get 22 of the ongoing premium, which is around 649. And then the ongoing fee is 1.1 because you're coupled up with Yep. your partner because Yep. she is on board. It's around 3,932 as an estimate, but that's charged monthly as just being an ongoing client. It's not like an additional cost that you pay as well, like, as an upfront. It's just Yep. what what you pay on ongoing there. Yep. That that's fine. And any other like, would there be any extra on Beyond fees, like, other than that to for these new funds, like, and stuff, or everything's So sort of the same? in terms of, like, the investment costs you'll be paying, so that was the fees that come directly to Oakview as part of managing your portfolio and insurances. As far as the cost of the ongoing investments, you're actually saving money by getting rid of the managed Yes. investment there. So the ongoing investment fee is around 547 down from 1,928. There's other fees associated as well that have gone down from $2.60 to 93. The Yep. adviser fee, just given that the balance change as well, is estimated to be roughly the the same with the the slight change in the the cost. But, obviously, Yep. that's the fee that I disclosed to you as well. Your contributions will be going up. So with that, the funds under management, obviously, it's percentage based, so that will contribute to you paying us as, like, ongoing as well. Something just to be mindful of even though it's not huge. And then your insurance premiums will be nearly halved as well. So a lot of ongoing Yep.","start_word":1305,"end_word":1593,"sentiment":"neutral","sentiment_score":0.07716912118827596},{"text":"savings there that you'll be having moving forward Yep.","start_word":1594,"end_word":1602,"sentiment":"positive","sentiment_score":0.379431813955307},{"text":"as opposed to what you're you're currently paying. No problem. Yeah. If you wanna send me the that thing, I'll sign it this afternoon, and, yeah, we can get that going.","start_word":1603,"end_word":1633,"sentiment":"neutral","sentiment_score":0.21982790529727936},{"text":"Perfect. So I'll resend that now. It should just pop up to the top of your inbox.","start_word":1634,"end_word":1650,"sentiment":"positive","sentiment_score":0.3711119294166565},{"text":"So you just click on the link and just follow the signing steps. It's important to draw your signature to your actual signature, not to just prefill it. It'll prefill it with your name in cursive, which is stupid, I know, but it does prompt just to do that to make sure you are drawing a signature if it's the first time you're using it there. Oh, okay. I might Yeah. have And then to wait till tomorrow to do it at work if that's okay. not not a problem Because, at all, Zoran. yeah, I haven't got a PC with me, but I'll do it first thing tomorrow morning.","start_word":1651,"end_word":1760,"sentiment":"neutral","sentiment_score":0.1047125828537074},{"text":"More than fine. You still got plenty of time.","start_word":1761,"end_word":1769,"sentiment":"positive","sentiment_score":0.3600216805934906},{"text":"Yep. As long as it's signed before your personal statement on Monday there, Yep. it shouldn't Yep. have any towards anything. I'll just double check everything else. I don't believe we need anything else. The ID is up to date, so that should all be fine. As far as, like, the next steps following that, obviously, you've got your personal statement booked in, so that'll get the ball rolling with the insurance side of things. Obviously, Yep. you're you're monitoring your income statement and then also your salary sacrifice with myGov just to make sure. We did illustrate that in the document that you already increased it. Just something to be mindful of to keep an eye on that moving forward. And then other than that, they'll change the investment in the back end once that's signed and saved down and everything as well. No problem.","start_word":1770,"end_word":1915,"sentiment":"neutral","sentiment_score":0.12920071184635162},{"text":"Thank you. Sounds good.","start_word":1916,"end_word":1919,"sentiment":"positive","sentiment_score":0.44985657930374146},{"text":"No problem. Anything else for me, Zoran, while you've got me? No. That's all.","start_word":1920,"end_word":1933,"sentiment":"neutral","sentiment_score":0.13069766759872437},{"text":"Thank you. Thanks for returning my call quickly. Not a problem at all, Zoran. Happy to help.","start_word":1934,"end_word":1950,"sentiment":"positive","sentiment_score":0.4928120970726013},{"text":"Any other questions you might have or if you do have any questions when I you'll be speaking with my colleague, Jack, I believe. If he's not available, it might be someone else. But Yep. then following from that, if I'm available and you wanna have a quick chat about anything, feel free to just let Jack know. No worries.","start_word":1951,"end_word":2010,"sentiment":"neutral","sentiment_score":0.16988542675971985},{"text":"Thank you. Thanks, Kyle. No no problem, Zoe. You enjoy the rest of your day. Thanks for your time. You too. Thank you. Bye. Cheers.","start_word":2011,"end_word":2035,"sentiment":"positive","sentiment_score":0.6575855183601379},{"text":"Bye. Bye.","start_word":2036,"end_word":2037,"sentiment":"neutral","sentiment_score":0.2662174105644226}],"average":{"sentiment":"neutral","sentiment_score":0.1045263259914798}}}}