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Just wondering if you've got a bit of time for me this morning. Oh, about fifteen minutes, maybe twenty max. Beautiful. Beautiful. Now before I get stuck into it, I'm just reviewing a few strategies we've been sort of building for you, and I just need to confirm security. So I'm registered with Advise at 1273105. Could I please get your date of birth and address, sir? Amazing. Thank you for that, mate. And you okay for the call to be recorded? Perfect. Perfect. Now, Russell, I've gone through your file's actually been escalated to me as a senior adviser. We were doing a whole bunch of different strategies and ideas, and there's been a few changes on your account. And so, basically, what I wanted to do today is just kind of recap where everything's currently sitting, what I'm looking to do, get just a little bit of an update of info from you, and then I should be good to go and sort a few things out for you if that's alright. Beauty. Now your super fund. So you've got the Netwealth and the Russell. And with your Netwealth account, so it was sitting at 247,000. It's it's sitting at $257,000 now. And one of the things that we did was towards the beginning of the year, one of the investment options was going into the negative when the war in Iran kicked off, and it kind of wasn't keeping up with the Australian stock market, if that makes sense. They kind of made a bit of a bad investment overseas, and that kind of caused it to start going down. Now what we ended up doing is just across our investment committee, we reviewed that fund manager, which is called Benelon. And we found that there was a few issues with the guys leaving that fund, and we didn't believe that it was gonna catch back up again. So what we did was we switched it out of your super fund for an option that's a lot lower fees, lot better performance. So every option that you've got in there now has gone back into the positive, and they're all growing pretty, pretty well. Now do you remember getting any emails from us in March for it would have been called a record of advice. Did you end up seeing that one? Yeah. I saw on our old system that we're trying to get you booked in to go through a few things, but I think we were just missing you on the on the right days to call you. So which is why I'm really glad that I've got you this morning because I wanted to do a consolidation of that Russell Superfund. And you'd gone through some insurance information with my colleague, Kyle, just to get, like, the premiums down because your insurance premiums have been going up quite a lot. Does that ring a bell? Yeah. So I'm having a look at it at the moment. So the the Netwealth's looking really good. Just quickly on your Netwealth super, it's in a high growth super fund. So it's most of your money is in shares, property, and gold to try and get you those high long term returns. I do note that you've got about twelve years until you can access your super. So, normally, we keep people in that high growth stage until you've got less than ten years to go, and then we can kind of slowly reduce the risk and and protect it once it's built up. So I just wanted to double check with you. Are you okay with that idea of just trying to get as much returns as possible while you've still got some time under your belt? Cool. So because that Russell Superfund doesn't have any insurances attached to it, I can get that consolidated into the new portfolio that we built within the Netwealth. And I'm basically gonna put together a document for you that just shows you the differences in the performance and fees and projections just to make sure you're happy before I touch anything. Is that okay? Beautiful. Now the last two things I wanted to go over sorry. Three things. Beneficiaries, your insurances, and just a couple of details to update, and then I should be pretty well sweet. In terms of the beneficiaries here, I've just got them open in front of me. You've already got them in place, and it's split three ways. You've got it between Sarah, India, and Ruby. Okay. So do you want me to take down who you would like to put on there, and I can get some forms sent out to you? And just split it between them fifty fifty or yep. Fifty fifty. You already had it as a binding, non lapsing. So, like, it's legally binding, and it just continues on until you change it. So I can basically just get those details, prefill them in there for you, and then you just gotta get them witness and get sent back to us. Would it be easier for yeah. Legal sorry. Legal agreements like wills and things like that, you're just gonna get two people that aren't the beneficiaries to witness your signature. Now I can get it emailed out for you if you've got a printer, but if it's easier, I can just get it posted out with a return envelope if that helps. Yep. Post an envelope. Easy done. And do you want that to reflect the same on the life insurance? Oh, Russell, have I still got you there, mate? Sorry. Just no worries. Just wanted to double check the life insurance. You wanna have it the same split on that the same as the super. Yep. Cool. Easy done. That's all good. And just the last couple of things. So in terms of the insurances, let me just walk you through where they're sitting at. And I just wanna update your your income and your assets, and then I can get those altered as well. So I'm looking at life TPD income protection. Do you remember those three policies you've got? Life TPD and income protection? K. So you've got life insurance of 687,000. That's coming out of the super. It's a couple of grand a year for that one. And it pretty much clears we had your mortgage at about $500. What's that sitting out at the moment, or has that changed? Yep. $500 at the moment. Alright. So selling, going your own way, and then you're just gonna get another property with a bit higher loan on it? Or cool. Alright. So do you want me to leave the 687,000 worth of life in total disability insurance at those amounts for the time being until you do that? Perfect. I'm just gonna quickly research and see if there's any other providers that are offering the same cover for a cheaper price. And if there is, I'd like to kind of get the premiums down for you. Cool. Last two things here just in terms of the income protection. So I had your income at about a 140,000, heavy machine operator. Still about the same with Carol BP? Perfect. Now the income protection is the one that I'm sort of a bit more worried about. Having a look at it here, we've got 5,740 a month worth of cover, and that's protecting an income of a $100. Thirty day waiting period. So if you're out for a month, it kicks in and gives you an income for up to five years. But the premiums are about $4.5 a year for that one. So I also wanna just see if there's someone who can offer it for a bit of a cheaper price for the same one, if that's okay. K. Do you want me to change the the amount that you're covered for or just kind of leave that the same for the time being? Cool. And the last one was, like, the trauma insurance. You basically were saying, look, there's no point getting extra out of pocket insurances for heart attack, stroke, and cancer because you've got enough things that you're trying to do with your cash flow. Is that right? Cool. So I've got the occupation. That's all sorted. We had about $25 in savings. You didn't get a a will in place, did you? Cool. Yep. Alright. So deal with the estate planning. Let the solicitor handle that kind of thing. Perfect. Now with the separation, is anything gonna happen to the super at this point? Do you know? Yeah. Those are is that to buy a property? Yeah. Normally, people set up the self managed ones. I do a few of them just so you can buy, like, an investment property through your super kind of thing. Outside of those, there's not much to do with self managed super funds. Like, you can invest in all the same things you can do through a Netwealth or a hub or or someone like that. Right. Cost a little bit to set up those things, but the government banned the property side of things at the start of this month so people can't buy the properties anymore through their super. Okay? And the other thing too is that's why I was checking with the the super as part of the separation is we've got some discounts that we're applying to our clients. So we haven't been charging any any fees, just waiting to get in contact with you. So we've had them turned off just to make sure that we don't charge you anything unless we're doing something for you. But we do have some discounts for everybody above 200,000. So what I wanna do is quickly do is let you know that above 200,000, the percentage drops from 1.65 down to 1.3. And once we get you above 0.5 a mil, it goes down again to 1.1. So the only difference is it's like a it's a flat fee. We basically just lock it in for twelve months, but there are those discounts based on your balance. So just wanted to quickly run that by you before I sent through any consent form so we can still be advisers on the Netwealth. Are you okay with that idea of the the discounted tiered fees, but it's flat? Cool. Alrighty. Now the other last thing, and then I can basically let you go, is just in terms of goals, mate, is there anything else that I need to factor in that you're up to for the next twelve months, few years that have changed now, or you're just trying to wait until all this is sorted? Yeah. So I'm not gonna ask you to start doing salary sacrificing to soup or anything like that because you've got enough on the plate, and you don't really know where it's gonna land at this point. Income for that. Yeah. Absolutely. So get the home loan first. Yeah. So they've increased it to 32,500, but it includes what your employer's putting in. So sort the property out first, but, basically, if you're on a 140 grands, they're putting in around 16,800, and you've got another 15,000 to go, which is about $280 a week is the maximum I would do at some point. Cool. So I'll keep that in the background, but, basically, probably best checking that in maybe twelve months time, if that's okay. Cool. So what I'll do from here, Russell, any questions for me so far? Awesome. So what I'm gonna do is I'm just gonna send through a bit of an updated pack for you for the I guess, like, a review pack. I'm gonna include the discounts tiered fee structure for you. And then, basically, in a couple of weeks' time, I'm just gonna get you booked in to go through this document. And what I'm aiming to do is consolidate the Russell Super, make sure you've got the good performance, the good fees, and see if I can get the insurance premiums down a little bit. Cool. Anything else that you feel like I can kind of give you advice on at this point? Cool. Alrighty. I'll send that email through to you today. If you could please have a look, give us a sign if you're comfortable with it, and then in couple of weeks time, we'll get you booked in. Do you have any movements in terms of flying out for work or anything that I need to let the team know? Yep. Switches around a little bit. So we'll see when we can kind of grab you, and I'll just get some updated ID. I'm gonna send you a message to update the ID to certify for those beneficiary forms, and I'll get Michelle to post them out to you with an envelope. Beauty, mate. We've just hit fifteen minutes on the dot, so I do appreciate you taking the time today. If you need anything else from us, just give us a buzz, but I'll be in touch with you in a couple of Awesome, Russell. Have a fantastic day, mate. 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It's Tommy here from Oakview, mate, one of the senior advisers. How are you doing? Good. Mate, I've got you booked in for a little bit of catch up.\n\nJust wondering if you've got a bit of time for me this morning. Oh, about fifteen minutes, maybe twenty max. Beautiful. Beautiful. Now before I get stuck into it, I'm just reviewing a few strategies we've been sort of building for you, and I just need to confirm security.\n\nSo I'm registered with Advise at 1273105. Could I please get your date of birth and address, sir? Amazing. Thank you for that, mate. And you okay for the call to be recorded?\n\nPerfect. Perfect. Now, Russell, I've gone through your file's actually been escalated to me as a senior adviser. We were doing a whole bunch of different strategies and ideas, and there's been a few changes on your account. And so, basically, what I wanted to do today is just kind of recap where everything's currently sitting, what I'm looking to do, get just a little bit of an update of info from you, and then I should be good to go and sort a few things out for you if that's alright.\n\nBeauty. Now your super fund. So you've got the Netwealth and the Russell. And with your Netwealth account, so it was sitting at 247,000. It's it's sitting at $257,000 now.\n\nAnd one of the things that we did was towards the beginning of the year, one of the investment options was going into the negative when the war in Iran kicked off, and it kind of wasn't keeping up with the Australian stock market, if that makes sense. They kind of made a bit of a bad investment overseas, and that kind of caused it to start going down. Now what we ended up doing is just across our investment committee, we reviewed that fund manager, which is called Benelon. And we found that there was a few issues with the guys leaving that fund, and we didn't believe that it was gonna catch back up again. So what we did was we switched it out of your super fund for an option that's a lot lower fees, lot better performance.\n\nSo every option that you've got in there now has gone back into the positive, and they're all growing pretty, pretty well. Now do you remember getting any emails from us in March for it would have been called a record of advice. Did you end up seeing that one? Yeah. I saw on our old system that we're trying to get you booked in to go through a few things, but I think we were just missing you on the on the right days to call you.\n\nSo which is why I'm really glad that I've got you this morning because I wanted to do a consolidation of that Russell Superfund. And you'd gone through some insurance information with my colleague, Kyle, just to get, like, the premiums down because your insurance premiums have been going up quite a lot. Does that ring a bell? Yeah. So I'm having a look at it at the moment.\n\nSo the the Netwealth's looking really good. Just quickly on your Netwealth super, it's in a high growth super fund. So it's most of your money is in shares, property, and gold to try and get you those high long term returns. I do note that you've got about twelve years until you can access your super. So, normally, we keep people in that high growth stage until you've got less than ten years to go, and then we can kind of slowly reduce the risk and and protect it once it's built up.\n\nSo I just wanted to double check with you. Are you okay with that idea of just trying to get as much returns as possible while you've still got some time under your belt? Cool. So because that Russell Superfund doesn't have any insurances attached to it, I can get that consolidated into the new portfolio that we built within the Netwealth. And I'm basically gonna put together a document for you that just shows you the differences in the performance and fees and projections just to make sure you're happy before I touch anything.\n\nIs that okay? Beautiful. Now the last two things I wanted to go over sorry. Three things. Beneficiaries, your insurances, and just a couple of details to update, and then I should be pretty well sweet.\n\nIn terms of the beneficiaries here, I've just got them open in front of me. You've already got them in place, and it's split three ways. You've got it between Sarah, India, and Ruby. Okay. So do you want me to take down who you would like to put on there, and I can get some forms sent out to you?\n\nAnd just split it between them fifty fifty or yep. Fifty fifty. You already had it as a binding, non lapsing. So, like, it's legally binding, and it just continues on until you change it. So I can basically just get those details, prefill them in there for you, and then you just gotta get them witness and get sent back to us.\n\nWould it be easier for yeah. Legal sorry. Legal agreements like wills and things like that, you're just gonna get two people that aren't the beneficiaries to witness your signature. Now I can get it emailed out for you if you've got a printer, but if it's easier, I can just get it posted out with a return envelope if that helps. Yep.\n\nPost an envelope. Easy done. And do you want that to reflect the same on the life insurance? Oh, Russell, have I still got you there, mate? Sorry.\n\nJust no worries. Just wanted to double check the life insurance. You wanna have it the same split on that the same as the super. Yep. Cool.\n\nEasy done. That's all good. And just the last couple of things. So in terms of the insurances, let me just walk you through where they're sitting at. And I just wanna update your your income and your assets, and then I can get those altered as well.\n\nSo I'm looking at life TPD income protection. Do you remember those three policies you've got? Life TPD and income protection? K. So you've got life insurance of 687,000.\n\nThat's coming out of the super. It's a couple of grand a year for that one. And it pretty much clears we had your mortgage at about $500. What's that sitting out at the moment, or has that changed? Yep.\n\n$500 at the moment. Alright. So selling, going your own way, and then you're just gonna get another property with a bit higher loan on it? Or cool. Alright.\n\nSo do you want me to leave the 687,000 worth of life in total disability insurance at those amounts for the time being until you do that? Perfect. I'm just gonna quickly research and see if there's any other providers that are offering the same cover for a cheaper price. And if there is, I'd like to kind of get the premiums down for you. Cool.\n\nLast two things here just in terms of the income protection. So I had your income at about a 140,000, heavy machine operator. Still about the same with Carol BP? Perfect. Now the income protection is the one that I'm sort of a bit more worried about.\n\nHaving a look at it here, we've got 5,740 a month worth of cover, and that's protecting an income of a $100. Thirty day waiting period. So if you're out for a month, it kicks in and gives you an income for up to five years. But the premiums are about $4.5 a year for that one. So I also wanna just see if there's someone who can offer it for a bit of a cheaper price for the same one, if that's okay.\n\nK. Do you want me to change the the amount that you're covered for or just kind of leave that the same for the time being? Cool. And the last one was, like, the trauma insurance. You basically were saying, look, there's no point getting extra out of pocket insurances for heart attack, stroke, and cancer because you've got enough things that you're trying to do with your cash flow.\n\nIs that right? Cool. So I've got the occupation. That's all sorted. We had about $25 in savings.\n\nYou didn't get a a will in place, did you? Cool. Yep. Alright. So deal with the estate planning.\n\nLet the solicitor handle that kind of thing. Perfect. Now with the separation, is anything gonna happen to the super at this point? Do you know? Yeah.\n\nThose are is that to buy a property? Yeah. Normally, people set up the self managed ones. I do a few of them just so you can buy, like, an investment property through your super kind of thing. Outside of those, there's not much to do with self managed super funds.\n\nLike, you can invest in all the same things you can do through a Netwealth or a hub or or someone like that. Right. Cost a little bit to set up those things, but the government banned the property side of things at the start of this month so people can't buy the properties anymore through their super. Okay? And the other thing too is that's why I was checking with the the super as part of the separation is we've got some discounts that we're applying to our clients.\n\nSo we haven't been charging any any fees, just waiting to get in contact with you. So we've had them turned off just to make sure that we don't charge you anything unless we're doing something for you. But we do have some discounts for everybody above 200,000. So what I wanna do is quickly do is let you know that above 200,000, the percentage drops from 1.65 down to 1.3. And once we get you above 0.5 a mil, it goes down again to 1.1.\n\nSo the only difference is it's like a it's a flat fee. We basically just lock it in for twelve months, but there are those discounts based on your balance. So just wanted to quickly run that by you before I sent through any consent form so we can still be advisers on the Netwealth. Are you okay with that idea of the the discounted tiered fees, but it's flat? Cool.\n\nAlrighty. Now the other last thing, and then I can basically let you go, is just in terms of goals, mate, is there anything else that I need to factor in that you're up to for the next twelve months, few years that have changed now, or you're just trying to wait until all this is sorted? Yeah. So I'm not gonna ask you to start doing salary sacrificing to soup or anything like that because you've got enough on the plate, and you don't really know where it's gonna land at this point. Income for that.\n\nYeah. Absolutely. So get the home loan first. Yeah. So they've increased it to 32,500, but it includes what your employer's putting in.\n\nSo sort the property out first, but, basically, if you're on a 140 grands, they're putting in around 16,800, and you've got another 15,000 to go, which is about $280 a week is the maximum I would do at some point. Cool. So I'll keep that in the background, but, basically, probably best checking that in maybe twelve months time, if that's okay. Cool. So what I'll do from here, Russell, any questions for me so far?\n\nAwesome. So what I'm gonna do is I'm just gonna send through a bit of an updated pack for you for the I guess, like, a review pack. I'm gonna include the discounts tiered fee structure for you. And then, basically, in a couple of weeks' time, I'm just gonna get you booked in to go through this document. And what I'm aiming to do is consolidate the Russell Super, make sure you've got the good performance, the good fees, and see if I can get the insurance premiums down a little bit.\n\nCool. Anything else that you feel like I can kind of give you advice on at this point? Cool. Alrighty. I'll send that email through to you today.\n\nIf you could please have a look, give us a sign if you're comfortable with it, and then in couple of weeks time, we'll get you booked in. Do you have any movements in terms of flying out for work or anything that I need to let the team know? Yep. Switches around a little bit. So we'll see when we can kind of grab you, and I'll just get some updated ID.\n\nI'm gonna send you a message to update the ID to certify for those beneficiary forms, and I'll get Michelle to post them out to you with an envelope. Beauty, mate. We've just hit fifteen minutes on the dot, so I do appreciate you taking the time today. If you need anything else from us, just give us a buzz, but I'll be in touch with you in a couple of Awesome, Russell. Have a fantastic day, mate.\n\nCheers.","paragraphs":[{"sentences":[{"text":"Good morning, mister Russell.","start":2.8799999,"end":4.08,"sentiment":"neutral","sentiment_score":0.30269236862659454},{"text":"It's Tommy here from Oakview, mate, one of the senior advisers.","start":4.08,"end":7.3599997,"sentiment":"neutral","sentiment_score":0.21620632708072662},{"text":"How are you doing?","start":7.3599997,"end":8.26,"sentiment":"neutral","sentiment_score":0.20783055946230888},{"text":"Good.","start":9.5199995,"end":10.0199995,"sentiment":"neutral","sentiment_score":0.331991970539093},{"text":"Mate, I've got you booked in for a little bit of catch up.","start":10.48,"end":13.375,"sentiment":"neutral","sentiment_score":0.1439563242288736}],"sentiment":"neutral","sentiment_score":0.200720772598729,"num_words":33,"start":2.8799999,"end":13.375},{"sentences":[{"text":"Just wondering if you've got a bit of time for me this morning.","start":13.615,"end":15.955,"sentiment":"neutral","sentiment_score":0.04569720906706957},{"text":"Oh, about fifteen minutes, maybe twenty max.","start":19.615,"end":22.355,"sentiment":"neutral","sentiment_score":0.004940084314772061},{"text":"Beautiful.","start":24.735,"end":25.215,"sentiment":"positive","sentiment_score":0.5402462482452393},{"text":"Beautiful.","start":25.215,"end":25.535,"sentiment":"positive","sentiment_score":0.5189885497093201},{"text":"Now before I get stuck into it, I'm just reviewing a few strategies we've been sort of building for you, and I just need to confirm security.","start":25.535,"end":33.02,"sentiment":"neutral","sentiment_score":0.04127382838891612}],"sentiment":"neutral","sentiment_score":0.057189234133277624,"num_words":49,"start":13.615,"end":33.02},{"sentences":[{"text":"So I'm registered with Advise at 1273105.","start":33.72,"end":37.72,"sentiment":"neutral","sentiment_score":0.021322969081146375},{"text":"Could I please get your date of birth and address, sir?","start":37.72,"end":50.675003,"sentiment":"neutral","sentiment_score":0.01833432421765544},{"text":"Amazing.","start":50.975002,"end":51.375,"sentiment":"positive","sentiment_score":0.4873481988906861},{"text":"Thank you for that, mate.","start":51.375,"end":52.335,"sentiment":"positive","sentiment_score":0.6199451446533203},{"text":"And you okay for the call to be recorded?","start":52.335,"end":54.24,"sentiment":"neutral","sentiment_score":0.17829993036058214}],"sentiment":"neutral","sentiment_score":0.16796095895044733,"num_words":33,"start":33.72,"end":54.24},{"sentences":[{"text":"Perfect.","start":56.620003,"end":56.940002,"sentiment":"positive","sentiment_score":0.561211347579956},{"text":"Perfect.","start":56.940002,"end":57.440002,"sentiment":"positive","sentiment_score":0.4755181074142456},{"text":"Now, Russell, I've gone through your file's actually been escalated to me as a senior adviser.","start":57.58,"end":62.64,"sentiment":"neutral","sentiment_score":0.01082038626918802},{"text":"We were doing a whole bunch of different strategies and ideas, and there's been a few changes on your account.","start":63.02,"end":67.995,"sentiment":"neutral","sentiment_score":-0.01497944227885455},{"text":"And so, basically, what I wanted to do today is just kind of recap where everything's currently sitting, what I'm looking to do, get just a little bit of an update of info from you, and then I should be good to go and sort a few things out for you if that's alright.","start":68.315,"end":82.79,"sentiment":"neutral","sentiment_score":0.04335769019908858}],"sentiment":"neutral","sentiment_score":0.03534328326603155,"num_words":92,"start":56.620003,"end":82.79},{"sentences":[{"text":"Beauty.","start":84.850006,"end":85.25,"sentiment":"neutral","sentiment_score":0.11444760859012604},{"text":"Now your super fund.","start":85.25,"end":87.97,"sentiment":"neutral","sentiment_score":0.034263609908521175},{"text":"So you've got the Netwealth and the Russell.","start":87.97,"end":90.15,"sentiment":"neutral","sentiment_score":0.0053774885018356144},{"text":"And with your Netwealth account, so it was sitting at 247,000.","start":90.61,"end":96.29,"sentiment":"neutral","sentiment_score":-0.02903291058133949},{"text":"It's it's sitting at $257,000 now.","start":96.29,"end":98.995,"sentiment":"neutral","sentiment_score":-0.051288370663921036}],"sentiment":"neutral","sentiment_score":-0.011085676137978832,"num_words":30,"start":84.850006,"end":98.995},{"sentences":[{"text":"And one of the things that we did was towards the beginning of the year, one of the investment options was going into the negative when the war in Iran kicked off, and it kind of wasn't keeping up with the Australian stock market, if that makes sense.","start":99.534996,"end":116.01,"sentiment":"neutral","sentiment_score":-0.23277850433563194},{"text":"They kind of made a bit of a bad investment overseas, and that kind of caused it to start going down.","start":116.01,"end":122.670006,"sentiment":"negative","sentiment_score":-0.4296895634560358},{"text":"Now what we ended up doing is just across our investment committee, we reviewed that fund manager, which is called Benelon.","start":123.450005,"end":130.755,"sentiment":"neutral","sentiment_score":0.05660587194420043},{"text":"And we found that there was a few issues with the guys leaving that fund, and we didn't believe that it was gonna catch back up again.","start":131.695,"end":139.075,"sentiment":"neutral","sentiment_score":-0.14518694069098542},{"text":"So what we did was we switched it out of your super fund for an option that's a lot lower fees, lot better performance.","start":139.32,"end":147.58,"sentiment":"neutral","sentiment_score":0.15706631913781166}],"sentiment":"neutral","sentiment_score":-0.13587646432062414,"num_words":141,"start":99.534996,"end":147.58},{"sentences":[{"text":"So every option that you've got in there now has gone back into the positive, and they're all growing pretty, pretty well.","start":148.28,"end":155.435,"sentiment":"positive","sentiment_score":0.6243720176545057},{"text":"Now do you remember getting any emails from us in March for it would have been called a record of advice.","start":157.335,"end":162.455,"sentiment":"neutral","sentiment_score":0.08198025671853906},{"text":"Did you end up seeing that one?","start":162.455,"end":164.07501,"sentiment":"neutral","sentiment_score":0.013746606585170542},{"text":"Yeah.","start":172.26001,"end":172.74,"sentiment":"neutral","sentiment_score":-0.034976936876773834},{"text":"I saw on our old system that we're trying to get you booked in to go through a few things, but I think we were just missing you on the on the right days to call you.","start":172.74,"end":181.425,"sentiment":"neutral","sentiment_score":-0.08102502185549285}],"sentiment":"neutral","sentiment_score":0.1422851509097117,"num_words":88,"start":148.28,"end":181.425},{"sentences":[{"text":"So which is why I'm really glad that I've got you this morning because I wanted to do a consolidation of that Russell Superfund.","start":181.425,"end":190.32501,"sentiment":"positive","sentiment_score":0.3610388161614537},{"text":"And you'd gone through some insurance information with my colleague, Kyle, just to get, like, the premiums down because your insurance premiums have been going up quite a lot.","start":190.945,"end":199.70999,"sentiment":"neutral","sentiment_score":0.13330363636386805},{"text":"Does that ring a bell?","start":199.70999,"end":200.93,"sentiment":"neutral","sentiment_score":0.020332741551101208},{"text":"Yeah.","start":206.26999,"end":206.76999,"sentiment":"neutral","sentiment_score":0.05833059921860695},{"text":"So I'm having a look at it at the moment.","start":206.90999,"end":208.815,"sentiment":"neutral","sentiment_score":0.099866733700037}],"sentiment":"neutral","sentiment_score":0.1983970824116166,"num_words":69,"start":181.425,"end":208.815},{"sentences":[{"text":"So the the Netwealth's looking really good.","start":208.815,"end":210.575,"sentiment":"positive","sentiment_score":0.4044581013066428},{"text":"Just quickly on your Netwealth super, it's in a high growth super fund.","start":210.575,"end":214.755,"sentiment":"neutral","sentiment_score":0.22370491807277387},{"text":"So it's most of your money is in shares, property, and gold to try and get you those high long term returns.","start":214.815,"end":221.395,"sentiment":"neutral","sentiment_score":0.24795354902744293},{"text":"I do note that you've got about twelve years until you can access your super.","start":222.31,"end":226.65,"sentiment":"neutral","sentiment_score":0.08742956121762593},{"text":"So, normally, we keep people in that high growth stage until you've got less than ten years to go, and then we can kind of slowly reduce the risk and and protect it once it's built up.","start":226.95,"end":238.675,"sentiment":"neutral","sentiment_score":0.19677911316220825}],"sentiment":"neutral","sentiment_score":0.2104959502974723,"num_words":94,"start":208.815,"end":238.675},{"sentences":[{"text":"So I just wanted to double check with you.","start":238.895,"end":240.975,"sentiment":"neutral","sentiment_score":0.16565764198700586},{"text":"Are you okay with that idea of just trying to get as much returns as possible while you've still got some time under your belt?","start":240.975,"end":246.835,"sentiment":"neutral","sentiment_score":0.2375861519575119},{"text":"Cool.","start":249.21501,"end":249.71501,"sentiment":"neutral","sentiment_score":0.10288466513156892},{"text":"So because that Russell Superfund doesn't have any insurances attached to it, I can get that consolidated into the new portfolio that we built within the Netwealth.","start":250.095,"end":260.03,"sentiment":"positive","sentiment_score":0.3433660666147868},{"text":"And I'm basically gonna put together a document for you that just shows you the differences in the performance and fees and projections just to make sure you're happy before I touch anything.","start":260.33,"end":268.655,"sentiment":"neutral","sentiment_score":0.2851259952241724}],"sentiment":"neutral","sentiment_score":0.2759315671889406,"num_words":95,"start":238.895,"end":268.655},{"sentences":[{"text":"Is that okay?","start":268.655,"end":269.475,"sentiment":"neutral","sentiment_score":0.29920417070388794},{"text":"Beautiful.","start":271.85498,"end":272.35498,"sentiment":"positive","sentiment_score":0.6758999824523926},{"text":"Now the last two things I wanted to go over sorry.","start":272.495,"end":275.535,"sentiment":"neutral","sentiment_score":0.1658777343955907},{"text":"Three things.","start":275.535,"end":276.195,"sentiment":"neutral","sentiment_score":0.07749953120946884},{"text":"Beneficiaries, your insurances, and just a couple of details to update, and then I should be pretty well sweet.","start":276.895,"end":282.57,"sentiment":"positive","sentiment_score":0.3424978946384631}],"sentiment":"neutral","sentiment_score":0.2794618509295914,"num_words":36,"start":268.655,"end":282.57},{"sentences":[{"text":"In terms of the beneficiaries here, I've just got them open in front of me.","start":282.95,"end":287.27002,"sentiment":"neutral","sentiment_score":0.15254410058259965},{"text":"You've already got them in place, and it's split three ways.","start":287.27002,"end":290.085,"sentiment":"neutral","sentiment_score":0.12179175561124628},{"text":"You've got it between Sarah, India, and Ruby.","start":290.88498,"end":294.025,"sentiment":"neutral","sentiment_score":0.058894884306937456},{"text":"Okay.","start":298.405,"end":298.905,"sentiment":"neutral","sentiment_score":0.07538652420043945},{"text":"So do you want me to take down who you would like to put on there, and I can get some forms sent out to you?","start":299.205,"end":304.745,"sentiment":"neutral","sentiment_score":0.055680179896836095}],"sentiment":"neutral","sentiment_score":0.09216559174485871,"num_words":61,"start":282.95,"end":304.745},{"sentences":[{"text":"And just split it between them fifty fifty or yep.","start":313.03,"end":318.95,"sentiment":"neutral","sentiment_score":0.03678383063524961},{"text":"Fifty fifty.","start":318.95,"end":319.77,"sentiment":"neutral","sentiment_score":0.09767871350049973},{"text":"You already had it as a binding, non lapsing.","start":320.055,"end":322.695,"sentiment":"neutral","sentiment_score":0.11031281534168455},{"text":"So, like, it's legally binding, and it just continues on until you change it.","start":322.695,"end":326.45502,"sentiment":"neutral","sentiment_score":0.13060098407523973},{"text":"So I can basically just get those details, prefill them in there for you, and then you just gotta get them witness and get sent back to us.","start":326.45502,"end":334.92,"sentiment":"neutral","sentiment_score":0.20213455627007143}],"sentiment":"neutral","sentiment_score":0.14355860990546052,"num_words":63,"start":313.03,"end":334.92},{"sentences":[{"text":"Would it be easier for yeah.","start":336.2,"end":338.78,"sentiment":"neutral","sentiment_score":0.1046392098069191},{"text":"Legal sorry.","start":338.84003,"end":340.2,"sentiment":"neutral","sentiment_score":0.012802951969206333},{"text":"Legal agreements like wills and things like that, you're just gonna get two people that aren't the beneficiaries to witness your signature.","start":340.2,"end":346.54,"sentiment":"neutral","sentiment_score":0.08321358822286129},{"text":"Now I can get it emailed out for you if you've got a printer, but if it's easier, I can just get it posted out with a return envelope if that helps.","start":349.875,"end":357.335,"sentiment":"neutral","sentiment_score":0.16074742912314832},{"text":"Yep.","start":360.835,"end":361.335,"sentiment":"neutral","sentiment_score":0.12622465193271637}],"sentiment":"neutral","sentiment_score":0.12308384900883076,"num_words":63,"start":336.2,"end":361.335},{"sentences":[{"text":"Post an envelope.","start":361.79,"end":362.83,"sentiment":"neutral","sentiment_score":0.14267171422640482},{"text":"Easy done.","start":362.83,"end":363.73,"sentiment":"positive","sentiment_score":0.38877345621585846},{"text":"And do you want that to reflect the same on the life insurance?","start":364.11002,"end":366.85,"sentiment":"neutral","sentiment_score":0.11786601348565175},{"text":"Oh, Russell, have I still got you there, mate?","start":372.83,"end":374.445,"sentiment":"neutral","sentiment_score":0.04415114141172833},{"text":"Sorry.","start":377.725,"end":378.045,"sentiment":"neutral","sentiment_score":-0.00621417723596096}],"sentiment":"neutral","sentiment_score":0.11174879735335708,"num_words":28,"start":361.79,"end":378.045},{"sentences":[{"text":"Just no worries.","start":378.045,"end":380.86502,"sentiment":"neutral","sentiment_score":0.03776621321837107},{"text":"Just wanted to double check the life insurance.","start":381.325,"end":383.165,"sentiment":"neutral","sentiment_score":0.03930114256218076},{"text":"You wanna have it the same split on that the same as the super.","start":383.165,"end":386.46,"sentiment":"neutral","sentiment_score":0.03336869792214462},{"text":"Yep.","start":392.78,"end":393.18,"sentiment":"neutral","sentiment_score":0.2939497232437134},{"text":"Cool.","start":393.18,"end":393.68,"sentiment":"positive","sentiment_score":0.6745351552963257}],"sentiment":"neutral","sentiment_score":0.06901312702231938,"num_words":27,"start":378.045,"end":393.68},{"sentences":[{"text":"Easy done.","start":393.9,"end":394.72,"sentiment":"positive","sentiment_score":0.7481973469257355},{"text":"That's all good.","start":396.53998,"end":397.68,"sentiment":"positive","sentiment_score":0.7617231607437134},{"text":"And just the last couple of things.","start":397.81998,"end":399.5,"sentiment":"neutral","sentiment_score":0.11901539244822093},{"text":"So in terms of the insurances, let me just walk you through where they're sitting at.","start":399.5,"end":403.915,"sentiment":"neutral","sentiment_score":0.04793883371166885},{"text":"And I just wanna update your your income and your assets, and then I can get those altered as well.","start":403.915,"end":409.695,"sentiment":"neutral","sentiment_score":0.07815761249512435}],"sentiment":"neutral","sentiment_score":0.14468428151061138,"num_words":48,"start":393.9,"end":409.695},{"sentences":[{"text":"So I'm looking at life TPD income protection.","start":409.915,"end":415.71002,"sentiment":"neutral","sentiment_score":0.012958009436260909},{"text":"Do you remember those three policies you've got?","start":415.77002,"end":417.61002,"sentiment":"neutral","sentiment_score":0.0026625270256772637},{"text":"Life TPD and income protection?","start":417.61002,"end":419.15002,"sentiment":"neutral","sentiment_score":-0.006057875277474522},{"text":"K.","start":423.77002,"end":424.17,"sentiment":"neutral","sentiment_score":-0.019296498969197273},{"text":"So you've got life insurance of 687,000.","start":424.17,"end":429.685,"sentiment":"neutral","sentiment_score":-0.04624943860939571}],"sentiment":"neutral","sentiment_score":-0.008564401859546015,"num_words":29,"start":409.915,"end":429.685},{"sentences":[{"text":"That's coming out of the super.","start":430.145,"end":432.485,"sentiment":"neutral","sentiment_score":-0.031979499074319996},{"text":"It's a couple of grand a year for that one.","start":432.625,"end":434.88498,"sentiment":"neutral","sentiment_score":-0.022366220876574517},{"text":"And it pretty much clears we had your mortgage at about $500.","start":435.025,"end":439.025,"sentiment":"neutral","sentiment_score":-0.011748280143365264},{"text":"What's that sitting out at the moment, or has that changed?","start":439.025,"end":441.21,"sentiment":"neutral","sentiment_score":-0.020215927707878025},{"text":"Yep.","start":447.21,"end":447.53,"sentiment":"neutral","sentiment_score":0.007402258925139904}],"sentiment":"neutral","sentiment_score":-0.01928728776983917,"num_words":40,"start":430.145,"end":447.53},{"sentences":[{"text":"$500 at the moment.","start":447.53,"end":449.15,"sentiment":"neutral","sentiment_score":-0.006662954809144139},{"text":"Alright.","start":460.185,"end":460.685,"sentiment":"neutral","sentiment_score":0.022787462919950485},{"text":"So selling, going your own way, and then you're just gonna get another property with a bit higher loan on it?","start":460.825,"end":466.0,"sentiment":"neutral","sentiment_score":-0.002304238721817022},{"text":"Or cool.","start":466.0,"end":472.31998,"sentiment":"neutral","sentiment_score":0.02938489057123661},{"text":"Alright.","start":472.31998,"end":472.81998,"sentiment":"neutral","sentiment_score":0.036894991993904114}],"sentiment":"neutral","sentiment_score":0.0014969449538480618,"num_words":29,"start":447.53,"end":472.81998},{"sentences":[{"text":"So do you want me to leave the 687,000 worth of life in total disability insurance at those amounts for the time being until you do that?","start":472.87997,"end":481.845,"sentiment":"neutral","sentiment_score":-0.007734110578894615},{"text":"Perfect.","start":486.465,"end":486.965,"sentiment":"neutral","sentiment_score":0.2320404350757599},{"text":"I'm just gonna quickly research and see if there's any other providers that are offering the same cover for a cheaper price.","start":487.425,"end":493.08,"sentiment":"neutral","sentiment_score":0.0897346091541377},{"text":"And if there is, I'd like to kind of get the premiums down for you.","start":493.96,"end":497.34,"sentiment":"neutral","sentiment_score":0.08333030218879382},{"text":"Cool.","start":500.59998,"end":501.08,"sentiment":"neutral","sentiment_score":0.09066123515367508}],"sentiment":"neutral","sentiment_score":0.050575706345791165,"num_words":66,"start":472.87997,"end":501.08},{"sentences":[{"text":"Last two things here just in terms of the income protection.","start":501.08,"end":504.62,"sentiment":"neutral","sentiment_score":0.013603359376164999},{"text":"So I had your income at about a 140,000, heavy machine operator.","start":504.75998,"end":509.86502,"sentiment":"neutral","sentiment_score":-0.0046963480999693274},{"text":"Still about the same with Carol BP?","start":513.445,"end":516.185,"sentiment":"neutral","sentiment_score":-0.005640127729358417},{"text":"Perfect.","start":520.325,"end":520.825,"sentiment":"neutral","sentiment_score":0.1020679920911789},{"text":"Now the income protection is the one that I'm sort of a bit more worried about.","start":521.33,"end":525.19,"sentiment":"neutral","sentiment_score":-0.11301647475920618}],"sentiment":"neutral","sentiment_score":-0.035157355791988205,"num_words":47,"start":501.08,"end":525.19},{"sentences":[{"text":"Having a look at it here, we've got 5,740 a month worth of cover, and that's protecting an income of a $100.","start":525.57,"end":536.09503,"sentiment":"neutral","sentiment_score":-0.008447155853818085},{"text":"Thirty day waiting period.","start":536.47504,"end":537.59503,"sentiment":"neutral","sentiment_score":-0.017328640911728144},{"text":"So if you're out for a month, it kicks in and gives you an income for up to five years.","start":537.59503,"end":541.775,"sentiment":"neutral","sentiment_score":0.3054506376385689},{"text":"But the premiums are about $4.5 a year for that one.","start":542.715,"end":545.91504,"sentiment":"neutral","sentiment_score":0.12793335792693225},{"text":"So I also wanna just see if there's someone who can offer it for a bit of a cheaper price for the same one, if that's okay.","start":545.91504,"end":551.89996,"sentiment":"neutral","sentiment_score":0.2748186858715834}],"sentiment":"neutral","sentiment_score":0.17477657400082708,"num_words":84,"start":525.57,"end":551.89996},{"sentences":[{"text":"K.","start":555.24,"end":555.74,"sentiment":"neutral","sentiment_score":0.05329657346010208},{"text":"Do you want me to change the the amount that you're covered for or just kind of leave that the same for the time being?","start":556.12,"end":561.1,"sentiment":"neutral","sentiment_score":0.038309818133711815},{"text":"Cool.","start":565.29504,"end":565.695,"sentiment":"neutral","sentiment_score":0.13263176381587982},{"text":"And the last one was, like, the trauma insurance.","start":565.695,"end":568.09503,"sentiment":"neutral","sentiment_score":0.04311543661687109},{"text":"You basically were saying, look, there's no point getting extra out of pocket insurances for heart attack, stroke, and cancer because you've got enough things that you're trying to do with your cash flow.","start":568.09503,"end":578.35504,"sentiment":"neutral","sentiment_score":0.024611092884750926}],"sentiment":"neutral","sentiment_score":0.03383556968931641,"num_words":70,"start":555.24,"end":578.35504},{"sentences":[{"text":"Is that right?","start":578.69,"end":581.15,"sentiment":"neutral","sentiment_score":0.15083673099676767},{"text":"Cool.","start":582.45,"end":582.95,"sentiment":"neutral","sentiment_score":0.2375025451183319},{"text":"So I've got the occupation.","start":583.97,"end":585.11,"sentiment":"neutral","sentiment_score":0.1916998416185379},{"text":"That's all sorted.","start":585.17,"end":586.15,"sentiment":"neutral","sentiment_score":0.27388737599054974},{"text":"We had about $25 in savings.","start":586.61,"end":588.71,"sentiment":"neutral","sentiment_score":0.19134417921304703}],"sentiment":"neutral","sentiment_score":0.20101328608062533,"num_words":18,"start":578.69,"end":588.71},{"sentences":[{"text":"You didn't get a a will in place, did you?","start":590.13,"end":591.915,"sentiment":"neutral","sentiment_score":0.06332960501313209},{"text":"Cool.","start":597.83496,"end":598.07495,"sentiment":"neutral","sentiment_score":0.18113210797309875},{"text":"Yep.","start":598.07495,"end":598.555,"sentiment":"neutral","sentiment_score":0.14070157706737518},{"text":"Alright.","start":598.555,"end":598.95496,"sentiment":"neutral","sentiment_score":0.1720985770225525},{"text":"So deal with the estate planning.","start":598.95496,"end":600.63495,"sentiment":"neutral","sentiment_score":0.14090754588445029}],"sentiment":"neutral","sentiment_score":0.10382492565794994,"num_words":19,"start":590.13,"end":600.63495},{"sentences":[{"text":"Let the solicitor handle that kind of thing.","start":600.63495,"end":602.975,"sentiment":"neutral","sentiment_score":0.15609560254961252},{"text":"Perfect.","start":603.355,"end":603.855,"sentiment":"positive","sentiment_score":0.3826209902763366},{"text":"Now with the separation, is anything gonna happen to the super at this point?","start":606.41,"end":609.37,"sentiment":"neutral","sentiment_score":-0.024270597313131605},{"text":"Do you know?","start":609.37,"end":610.02997,"sentiment":"neutral","sentiment_score":-0.04495477428038915},{"text":"Yeah.","start":622.715,"end":622.955,"sentiment":"neutral","sentiment_score":-0.014439672231674194}],"sentiment":"neutral","sentiment_score":0.0423071649339464,"num_words":27,"start":600.63495,"end":622.955},{"sentences":[{"text":"Those are is that to buy a property?","start":622.955,"end":625.695,"sentiment":"neutral","sentiment_score":-0.021452594082802534},{"text":"Yeah.","start":631.675,"end":631.995,"sentiment":"neutral","sentiment_score":-0.08574926853179932},{"text":"Normally, people set up the self managed ones.","start":631.995,"end":634.075,"sentiment":"neutral","sentiment_score":-0.06256527826189995},{"text":"I do a few of them just so you can buy, like, an investment property through your super kind of thing.","start":634.075,"end":639.36,"sentiment":"neutral","sentiment_score":-0.008809023314998263},{"text":"Outside of those, there's not much to do with self managed super funds.","start":639.5,"end":643.42,"sentiment":"neutral","sentiment_score":-0.11183578005203834}],"sentiment":"neutral","sentiment_score":-0.04699503681531139,"num_words":51,"start":622.955,"end":643.42},{"sentences":[{"text":"Like, you can invest in all the same things you can do through a Netwealth or a hub or or someone like that.","start":643.42,"end":648.675,"sentiment":"neutral","sentiment_score":-0.003707971018941506},{"text":"Right.","start":648.675,"end":649.175,"sentiment":"neutral","sentiment_score":-0.09485373646020888},{"text":"Cost a little bit to set up those things, but the government banned the property side of things at the start of this month so people can't buy the properties anymore through their super.","start":650.195,"end":658.77496,"sentiment":"neutral","sentiment_score":-0.2605249561807689},{"text":"Okay?","start":661.39496,"end":661.89496,"sentiment":"neutral","sentiment_score":-0.050119612365961075},{"text":"And the other thing too is that's why I was checking with the the super as part of the separation is we've got some discounts that we're applying to our clients.","start":662.51996,"end":673.1,"sentiment":"neutral","sentiment_score":0.11933020838806706}],"sentiment":"neutral","sentiment_score":-0.05987631924864319,"num_words":90,"start":643.42,"end":673.1},{"sentences":[{"text":"So we haven't been charging any any fees, just waiting to get in contact with you.","start":673.32,"end":677.715,"sentiment":"neutral","sentiment_score":0.13147553149610758},{"text":"So we've had them turned off just to make sure that we don't charge you anything unless we're doing something for you.","start":677.715,"end":683.09503,"sentiment":"neutral","sentiment_score":0.07922201383520257},{"text":"But we do have some discounts for everybody above 200,000.","start":683.315,"end":687.255,"sentiment":"neutral","sentiment_score":0.22362572103738784},{"text":"So what I wanna do is quickly do is let you know that above 200,000, the percentage drops from 1.65 down to 1.3.","start":687.715,"end":696.83997,"sentiment":"neutral","sentiment_score":0.24337279926175656},{"text":"And once we get you above 0.5 a mil, it goes down again to 1.1.","start":696.98,"end":701.96,"sentiment":"neutral","sentiment_score":0.17423534095287324}],"sentiment":"neutral","sentiment_score":0.16620761065115763,"num_words":86,"start":673.32,"end":701.96},{"sentences":[{"text":"So the only difference is it's like a it's a flat fee.","start":702.42,"end":705.46,"sentiment":"neutral","sentiment_score":0.09056180932869513},{"text":"We basically just lock it in for twelve months, but there are those discounts based on your balance.","start":705.46,"end":710.705,"sentiment":"neutral","sentiment_score":0.1435499961177508},{"text":"So just wanted to quickly run that by you before I sent through any consent form so we can still be advisers on the Netwealth.","start":711.08496,"end":718.225,"sentiment":"neutral","sentiment_score":0.21180978119373323},{"text":"Are you okay with that idea of the the discounted tiered fees, but it's flat?","start":718.7,"end":724.64,"sentiment":"neutral","sentiment_score":0.11813113739093145},{"text":"Cool.","start":728.14,"end":728.64,"sentiment":"neutral","sentiment_score":0.2851918935775757}],"sentiment":"neutral","sentiment_score":0.1552541567091371,"num_words":71,"start":702.42,"end":728.64},{"sentences":[{"text":"Alrighty.","start":728.94,"end":729.44,"sentiment":"positive","sentiment_score":0.3501957654953003},{"text":"Now the other last thing, and then I can basically let you go, is just in terms of goals, mate, is there anything else that I need to factor in that you're up to for the next twelve months, few years that have changed now, or you're just trying to wait until all this is sorted?","start":730.38,"end":743.075,"sentiment":"neutral","sentiment_score":0.11248474431756351},{"text":"Yeah.","start":747.29504,"end":747.53503,"sentiment":"neutral","sentiment_score":0.02071794494986534},{"text":"So I'm not gonna ask you to start doing salary sacrificing to soup or anything like that because you've got enough on the plate, and you don't really know where it's gonna land at this point.","start":747.53503,"end":755.13,"sentiment":"neutral","sentiment_score":-0.2947627525362704},{"text":"Income for that.","start":763.855,"end":764.915,"sentiment":"neutral","sentiment_score":-0.07399744416276614}],"sentiment":"neutral","sentiment_score":-0.04292156733572483,"num_words":97,"start":728.94,"end":764.915},{"sentences":[{"text":"Yeah.","start":766.255,"end":766.735,"sentiment":"neutral","sentiment_score":0.09478092193603516},{"text":"Absolutely.","start":766.735,"end":767.235,"sentiment":"neutral","sentiment_score":0.2358420342206955},{"text":"So get the home loan first.","start":767.615,"end":769.15497,"sentiment":"neutral","sentiment_score":0.1159365065395832},{"text":"Yeah.","start":771.535,"end":772.035,"sentiment":"neutral","sentiment_score":0.030341513454914093},{"text":"So they've increased it to 32,500, but it includes what your employer's putting in.","start":776.77997,"end":782.08,"sentiment":"neutral","sentiment_score":0.0162704507487693}],"sentiment":"neutral","sentiment_score":0.055842166057909315,"num_words":23,"start":766.255,"end":782.08},{"sentences":[{"text":"So sort the property out first, but, basically, if you're on a 140 grands, they're putting in around 16,800, and you've got another 15,000 to go, which is about $280 a week is the maximum I would do at some point.","start":782.3,"end":800.135,"sentiment":"neutral","sentiment_score":0.03848995277430953},{"text":"Cool.","start":803.315,"end":803.79,"sentiment":"neutral","sentiment_score":0.09905698895454408},{"text":"So I'll keep that in the background, but, basically, probably best checking that in maybe twelve months time, if that's okay.","start":803.87,"end":809.97,"sentiment":"neutral","sentiment_score":0.021097338004481225},{"text":"Cool.","start":813.23,"end":813.73,"sentiment":"positive","sentiment_score":0.4147038161754608},{"text":"So what I'll do from here, Russell, any questions for me so far?","start":813.79,"end":816.675,"sentiment":"neutral","sentiment_score":0.18638621041407952}],"sentiment":"neutral","sentiment_score":0.0643884896409589,"num_words":77,"start":782.3,"end":816.675},{"sentences":[{"text":"Awesome.","start":819.635,"end":820.135,"sentiment":"neutral","sentiment_score":0.33107882738113403},{"text":"So what I'm gonna do is I'm just gonna send through a bit of an updated pack for you for the I guess, like, a review pack.","start":820.27496,"end":826.535,"sentiment":"neutral","sentiment_score":0.2700511128814132},{"text":"I'm gonna include the discounts tiered fee structure for you.","start":826.915,"end":831.12,"sentiment":"neutral","sentiment_score":0.27974524050951005},{"text":"And then, basically, in a couple of weeks' time, I'm just gonna get you booked in to go through this document.","start":831.12,"end":836.10004,"sentiment":"neutral","sentiment_score":0.25864669183890027},{"text":"And what I'm aiming to do is consolidate the Russell Super, make sure you've got the good performance, the good fees, and see if I can get the insurance premiums down a little bit.","start":836.48004,"end":846.135,"sentiment":"positive","sentiment_score":0.34476711907807517}],"sentiment":"neutral","sentiment_score":0.29649004147898766,"num_words":93,"start":819.635,"end":846.135},{"sentences":[{"text":"Cool.","start":849.235,"end":849.735,"sentiment":"neutral","sentiment_score":0.18791919946670532},{"text":"Anything else that you feel like I can kind of give you advice on at this point?","start":849.795,"end":853.41504,"sentiment":"neutral","sentiment_score":0.05632010299493285},{"text":"Cool.","start":857.33,"end":857.73,"sentiment":"neutral","sentiment_score":0.09998667240142822},{"text":"Alrighty.","start":857.73,"end":858.23,"sentiment":"neutral","sentiment_score":0.1916857659816742},{"text":"I'll send that email through to you today.","start":858.37,"end":860.45,"sentiment":"neutral","sentiment_score":0.27270309068262577}],"sentiment":"neutral","sentiment_score":0.1292377897937383,"num_words":28,"start":849.235,"end":860.45},{"sentences":[{"text":"If you could please have a look, give us a sign if you're comfortable with it, and then in couple of weeks time, we'll get you booked in.","start":860.45,"end":867.43,"sentiment":"neutral","sentiment_score":0.20975386457783834},{"text":"Do you have any movements in terms of flying out for work or anything that I need to let the team know?","start":867.73,"end":872.28503,"sentiment":"neutral","sentiment_score":0.0910977992144498},{"text":"Yep.","start":880.585,"end":881.065,"sentiment":"neutral","sentiment_score":0.13138771057128906},{"text":"Switches around a little bit.","start":881.065,"end":882.425,"sentiment":"neutral","sentiment_score":0.09307387471199036},{"text":"So we'll see when we can kind of grab you, and I'll just get some updated ID.","start":882.425,"end":888.26,"sentiment":"neutral","sentiment_score":0.15681573880069397}],"sentiment":"neutral","sentiment_score":0.1526011566389097,"num_words":73,"start":860.45,"end":888.26},{"sentences":[{"text":"I'm gonna send you a message to update the ID to certify for those beneficiary forms, and I'll get Michelle to post them out to you with an envelope.","start":888.26,"end":896.2,"sentiment":"neutral","sentiment_score":0.17877816794247464},{"text":"Beauty, mate.","start":899.7,"end":900.495,"sentiment":"positive","sentiment_score":0.4420441538095474},{"text":"We've just hit fifteen minutes on the dot, so I do appreciate you taking the time today.","start":900.575,"end":904.275,"sentiment":"positive","sentiment_score":0.585375486051335},{"text":"If you need anything else from us, just give us a buzz, but I'll be in touch with you in a couple of Awesome, Russell.","start":904.735,"end":913.6529,"sentiment":"neutral","sentiment_score":0.18295829236507416},{"text":"Have a fantastic day, 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Yeah. Not too bad. Roughly how long one would take? Yeah. Two. No worries. Yeah. After February, 97934 Kinston Street, Trenton Southwest 4033. Yeah. That's alright. Uh-huh. No. I'm not sure. Well, I don't hear hell of a lot from these actually, but Yeah. No. Oh, yeah. That was. Yeah. That's for the change now on separator. Yeah. And then raise it. Yeah. Yep. Oh, I forget I'm with Yes. It's still positive. I don't think. Yeah. You did. Just turned out the answer. Yeah. You know how to do it. Not really. No. Don't. Yeah. It's about $400 of the line. Yeah. We're selling that property down there. Yeah. We got a lot. No. I'm getting a different property as well. Yeah. Yeah. Of course. Yeah. Okay. Yeah. I am. Yeah. Yeah. I'm not ready for the phone bank. Yep. Yep. No. No. I got my solicitor is advising me. Okay. Don't know. Don't know. I've got I've got another place. It approached me to do a self management. No. I don't think it's the boss opening. Yep. Nope. Yep. Yeah. Just trying to line until it's sold. Yeah. Well, I did it one over the timeline. I'm not gonna reduce my taxable income. So yeah. Hi. Yeah. I'm all about to. How how much can you salary sacrifice to your supervisor? No. Okay. No. Yeah. That'd be good. No. Okay. No worries. No. Just once a month for the road shift. Once a once a month for the road shift. Okay. Okay. No worries. Thank you. 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Yeah. Not too bad. Roughly how long one would take? Yeah.\n\nTwo. No worries. Yeah. After February, 97934 Kinston Street, Trenton Southwest 4033. Yeah.\n\nThat's alright. Uh-huh. No. I'm not sure. Well, I don't hear hell of a lot from these actually, but Yeah.\n\nNo. Oh, yeah. That was. Yeah. That's for the change now on separator.\n\nYeah. And then raise it. Yeah. Yep. Oh, I forget I'm with Yes.\n\nIt's still positive. I don't think. Yeah. You did. Just turned out the answer.\n\nYeah. You know how to do it. Not really. No. Don't.\n\nYeah. It's about $400 of the line. Yeah. We're selling that property down there. Yeah.\n\nWe got a lot. No. I'm getting a different property as well. Yeah. Yeah.\n\nOf course. Yeah. Okay. Yeah. I am.\n\nYeah. Yeah. I'm not ready for the phone bank. Yep. Yep.\n\nNo. No. I got my solicitor is advising me. Okay. Don't know.\n\nDon't know. I've got I've got another place. It approached me to do a self management. No. I don't think it's the boss opening.\n\nYep. Nope. Yep. Yeah. Just trying to line until it's sold.\n\nYeah. Well, I did it one over the timeline. I'm not gonna reduce my taxable income. So yeah. Hi.\n\nYeah. I'm all about to. How how much can you salary sacrifice to your supervisor? No. Okay.\n\nNo. Yeah. That'd be good. No. Okay.\n\nNo worries. No. Just once a month for the road shift. Once a once a month for the road shift. Okay.\n\nOkay. No worries. Thank you. No problem.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.52,"end":2.02,"sentiment":"neutral","sentiment_score":0.031194034963846207},{"text":"Yeah.","start":8.639999,"end":8.96,"sentiment":"neutral","sentiment_score":0.12323559075593948},{"text":"Not too bad.","start":8.96,"end":9.86,"sentiment":"neutral","sentiment_score":0.1939723864197731},{"text":"Roughly how long one would take?","start":17.625,"end":19.325,"sentiment":"neutral","sentiment_score":-0.0025991476140916348},{"text":"Yeah.","start":22.985,"end":23.224998,"sentiment":"neutral","sentiment_score":0.0298654455691576}],"sentiment":"neutral","sentiment_score":0.0625514454053094,"num_words":12,"start":1.52,"end":23.224998},{"sentences":[{"text":"Two.","start":23.224998,"end":23.625,"sentiment":"neutral","sentiment_score":0.04081728309392929},{"text":"No worries.","start":23.625,"end":24.285,"sentiment":"neutral","sentiment_score":0.1476265862584114},{"text":"Yeah.","start":41.645,"end":41.885002,"sentiment":"neutral","sentiment_score":0.015382410027086737},{"text":"After February, 97934 Kinston Street, Trenton Southwest 4033.","start":41.885002,"end":50.385002,"sentiment":"neutral","sentiment_score":0.015685709891840816},{"text":"Yeah.","start":55.08,"end":55.32,"sentiment":"neutral","sentiment_score":0.10801848024129868}],"sentiment":"neutral","sentiment_score":0.04499669423183569,"num_words":13,"start":23.224998,"end":55.32},{"sentences":[{"text":"That's alright.","start":55.32,"end":56.06,"sentiment":"neutral","sentiment_score":0.19850564748048782},{"text":"Uh-huh.","start":83.439995,"end":83.939995,"sentiment":"neutral","sentiment_score":0.015571646392345428},{"text":"No.","start":120.229996,"end":120.729996,"sentiment":"negative","sentiment_score":-0.367220014333725},{"text":"I'm not sure.","start":165.05,"end":166.11,"sentiment":"neutral","sentiment_score":-0.05849733452002207},{"text":"Well, I don't hear hell of a lot from these actually, but Yeah.","start":167.69,"end":185.25,"sentiment":"neutral","sentiment_score":-0.1008577490082154}],"sentiment":"neutral","sentiment_score":-0.07206399068236351,"num_words":20,"start":55.32,"end":185.25},{"sentences":[{"text":"No.","start":200.49501,"end":200.99501,"sentiment":"neutral","sentiment_score":-0.06205126643180847},{"text":"Oh, yeah.","start":201.29501,"end":202.41501,"sentiment":"neutral","sentiment_score":-0.03136198967695236},{"text":"That was.","start":202.41501,"end":203.075,"sentiment":"neutral","sentiment_score":-0.03130673989653587},{"text":"Yeah.","start":205.695,"end":206.195,"sentiment":"neutral","sentiment_score":0.0259061586111784},{"text":"That's for the change now on separator.","start":295.32,"end":297.5,"sentiment":"neutral","sentiment_score":0.06857830924647194}],"sentiment":"neutral","sentiment_score":0.024505045981361315,"num_words":13,"start":200.49501,"end":297.5},{"sentences":[{"text":"Yeah.","start":309.535,"end":310.035,"sentiment":"neutral","sentiment_score":0.039892926812171936},{"text":"And then raise it.","start":310.495,"end":311.795,"sentiment":"neutral","sentiment_score":0.042772477492690086},{"text":"Yeah.","start":316.975,"end":317.45502,"sentiment":"neutral","sentiment_score":0.056923821568489075},{"text":"Yep.","start":317.45502,"end":317.95502,"sentiment":"neutral","sentiment_score":0.09416087716817856},{"text":"Oh, I forget I'm with Yes.","start":336.27502,"end":358.375,"sentiment":"neutral","sentiment_score":0.11869883413116138}],"sentiment":"neutral","sentiment_score":0.08263542617742832,"num_words":13,"start":309.535,"end":358.375},{"sentences":[{"text":"It's still 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really.","start":422.095,"end":422.75497,"sentiment":"neutral","sentiment_score":-0.04901125840842724},{"text":"No.","start":424.095,"end":424.57498,"sentiment":"neutral","sentiment_score":-0.06180941313505173},{"text":"Don't.","start":424.57498,"end":425.07498,"sentiment":"neutral","sentiment_score":-0.05969857424497605}],"sentiment":"neutral","sentiment_score":0.027389399707317352,"num_words":11,"start":390.765,"end":425.07498},{"sentences":[{"text":"Yeah.","start":442.725,"end":443.225,"sentiment":"neutral","sentiment_score":-0.004616243299096823},{"text":"It's about $400 of the line.","start":444.485,"end":446.745,"sentiment":"neutral","sentiment_score":-0.0005033566461255153},{"text":"Yeah.","start":450.565,"end":451.065,"sentiment":"neutral","sentiment_score":-0.009354211390018463},{"text":"We're selling that property down there.","start":452.32498,"end":454.82498,"sentiment":"neutral","sentiment_score":-0.02182927479346593},{"text":"Yeah.","start":456.76,"end":457.08002,"sentiment":"neutral","sentiment_score":-0.005919303745031357}],"sentiment":"neutral","sentiment_score":-0.010259036471446355,"num_words":15,"start":442.725,"end":457.08002},{"sentences":[{"text":"We got a lot.","start":457.08002,"end":458.14,"sentiment":"neutral","sentiment_score":-0.009495897218585014},{"text":"No.","start":468.36002,"end":468.68002,"sentiment":"neutral","sentiment_score":-0.0704302042722702},{"text":"I'm getting a different property as 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bank.","start":563.145,"end":564.84503,"sentiment":"negative","sentiment_score":-0.3645955962794168},{"text":"Yep.","start":582.93,"end":583.43,"sentiment":"neutral","sentiment_score":0.16357263922691345},{"text":"Yep.","start":583.81,"end":584.31,"sentiment":"neutral","sentiment_score":0.16247233748435974}],"sentiment":"neutral","sentiment_score":-0.19986017149957744,"num_words":11,"start":519.21,"end":584.31},{"sentences":[{"text":"No.","start":593.775,"end":594.015,"sentiment":"neutral","sentiment_score":-0.159074604511261},{"text":"No.","start":594.015,"end":594.095,"sentiment":"neutral","sentiment_score":-0.18133991956710815},{"text":"I got my solicitor is advising me.","start":594.095,"end":597.235,"sentiment":"neutral","sentiment_score":-0.1321608637060438},{"text":"Okay.","start":611.16003,"end":611.66003,"sentiment":"neutral","sentiment_score":-0.05596992373466492},{"text":"Don't know.","start":611.72003,"end":612.62,"sentiment":"neutral","sentiment_score":-0.08967804536223412}],"sentiment":"neutral","sentiment_score":-0.1250722153733174,"num_words":12,"start":593.775,"end":612.62},{"sentences":[{"text":"Don't know.","start":613.0,"end":613.9,"sentiment":"neutral","sentiment_score":-0.11560817807912827},{"text":"I've got I've got another place.","start":613.92004,"end":618.225,"sentiment":"neutral","sentiment_score":-0.10965140412251155},{"text":"It approached me to do a self management.","start":618.285,"end":620.70496,"sentiment":"neutral","sentiment_score":-0.06745271850377321},{"text":"No.","start":628.76495,"end":629.00494,"sentiment":"neutral","sentiment_score":-0.2234249860048294},{"text":"I don't think it's the boss opening.","start":629.00494,"end":630.70496,"sentiment":"neutral","sentiment_score":-0.23487775453499385}],"sentiment":"neutral","sentiment_score":-0.1373464915280541,"num_words":24,"start":613.0,"end":630.70496},{"sentences":[{"text":"Yep.","start":660.31995,"end":660.81995,"sentiment":"neutral","sentiment_score":-0.005944761447608471},{"text":"Nope.","start":726.67505,"end":727.17505,"sentiment":"neutral","sentiment_score":-0.04428678750991821},{"text":"Yep.","start":728.91504,"end":729.41504,"sentiment":"neutral","sentiment_score":0.23792001605033877},{"text":"Yeah.","start":744.56,"end":744.88,"sentiment":"neutral","sentiment_score":0.006753269582986832},{"text":"Just trying to line until it's sold.","start":744.88,"end":746.57996,"sentiment":"neutral","sentiment_score":-0.021657741495541165}],"sentiment":"neutral","sentiment_score":0.0038943223824555247,"num_words":11,"start":660.31995,"end":746.57996},{"sentences":[{"text":"Yeah.","start":756.935,"end":757.175,"sentiment":"neutral","sentiment_score":0.0038386210799217224},{"text":"Well, I did it one over the timeline.","start":757.175,"end":759.115,"sentiment":"neutral","sentiment_score":0.008583597373217344},{"text":"I'm not gonna reduce my taxable income.","start":759.815,"end":764.47504,"sentiment":"neutral","sentiment_score":-0.10339221331690039},{"text":"So yeah.","start":764.615,"end":766.875,"sentiment":"neutral","sentiment_score":0.09905516169965267},{"text":"Hi.","start":768.375,"end":768.615,"sentiment":"neutral","sentiment_score":0.08756966888904572}],"sentiment":"neutral","sentiment_score":-0.01923990004548901,"num_words":19,"start":756.935,"end":768.615},{"sentences":[{"text":"Yeah.","start":768.615,"end":768.775,"sentiment":"neutral","sentiment_score":0.06045423448085785},{"text":"I'm all about to.","start":768.775,"end":770.075,"sentiment":"neutral","sentiment_score":0.05030523054301739},{"text":"How how much can you salary sacrifice to your supervisor?","start":771.18,"end":775.51996,"sentiment":"neutral","sentiment_score":-0.037199600413441655},{"text":"No.","start":800.54004,"end":801.04004,"sentiment":"neutral","sentiment_score":-0.026411667466163635},{"text":"Okay.","start":801.98004,"end":802.48004,"sentiment":"neutral","sentiment_score":0.039371274411678314}],"sentiment":"neutral","sentiment_score":-0.005727131796233794,"num_words":17,"start":768.615,"end":802.48004},{"sentences":[{"text":"No.","start":804.7,"end":805.2,"sentiment":"neutral","sentiment_score":-0.028045054525136948},{"text":"Yeah.","start":811.58,"end":811.82,"sentiment":"neutral","sentiment_score":0.25390923023223877},{"text":"That'd be good.","start":811.82,"end":812.80005,"sentiment":"positive","sentiment_score":0.4377545118331909},{"text":"No.","start":817.865,"end":818.365,"sentiment":"neutral","sentiment_score":0.11129629611968994},{"text":"Okay.","start":847.865,"end":848.365,"sentiment":"neutral","sentiment_score":0.18559065461158752}],"sentiment":"neutral","sentiment_score":0.26228780884827885,"num_words":7,"start":804.7,"end":848.365},{"sentences":[{"text":"No worries.","start":850.50494,"end":851.245,"sentiment":"neutral","sentiment_score":0.041034783236682415},{"text":"No.","start":853.56,"end":854.06,"sentiment":"neutral","sentiment_score":0.004556568339467049},{"text":"Just once a month for the road shift.","start":875.775,"end":877.695,"sentiment":"neutral","sentiment_score":0.02922298153862357},{"text":"Once a once a month for the road shift.","start":877.695,"end":879.66,"sentiment":"neutral","sentiment_score":0.04214216354820463},{"text":"Okay.","start":899.195,"end":899.695,"sentiment":"neutral","sentiment_score":0.2685548961162567}],"sentiment":"neutral","sentiment_score":0.04610687405580566,"num_words":21,"start":850.50494,"end":899.695},{"sentences":[{"text":"Okay.","start":911.07,"end":911.57,"sentiment":"neutral","sentiment_score":0.16735771298408508},{"text":"No worries.","start":911.87,"end":912.53,"sentiment":"positive","sentiment_score":0.3691166192293167},{"text":"Thank you.","start":912.99,"end":913.73004,"sentiment":"positive","sentiment_score":0.8706286251544952},{"text":"No problem.","start":916.99,"end":917.73004,"sentiment":"neutral","sentiment_score":0.15589862316846848}],"sentiment":"positive","sentiment_score":0.42266363544123514,"num_words":7,"start":911.07,"end":917.73004}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good morning, mister Russell. It's Tommy here from Oakview, mate, one of the senior advisers. How are you doing?\n\nChannel 1: Yeah. Not too bad.\n\nChannel 0: Good. Mate, I've got you booked in for a little bit of catch up. Just wondering if you've got a bit of time for me this morning.\n\nChannel 1: Roughly how long one would take?\n\nChannel 0: Oh, about fifteen minutes, maybe twenty max.\n\nChannel 1: Yeah. Two. No worries.\n\nChannel 0: Beautiful. Beautiful. Now before I get stuck into it, I'm just reviewing a few strategies we've been sort of building for you, and I just need to confirm security. So I'm registered with Advise at 1273105. Could I please get your date of birth and address,\n\nChannel 1: Yeah. After February, 97934 Kinston Street, Trenton Southwest 4033.\n\nChannel 0: sir? Amazing. Thank you for that, mate. And you okay for the call to be recorded?\n\nChannel 1: Yeah. That's alright.\n\nChannel 0: Perfect. Perfect. Now, Russell, I've gone through your file's actually been escalated to me as a senior adviser. We were doing a whole bunch of different strategies and ideas, and there's been a few changes on your account. And so, basically, what I wanted to do today is just kind of recap where everything's currently sitting, what I'm looking to do, get just a little bit of an update of info from you, and then I should be good to go and sort a few things out for you if that's alright.\n\nChannel 1: Uh-huh.\n\nChannel 0: Beauty. Now your super fund. So you've got the Netwealth and the Russell. And with your Netwealth account, so it was sitting at 247,000. It's it's sitting at $257,000 now.\n\nAnd one of the things that we did was towards the beginning of the year, one of the investment options was going into the negative when the war in Iran kicked off, and it kind of wasn't keeping up with the Australian stock market, if that makes sense. They kind of made a bit of a bad investment overseas, and\n\nChannel 1: No.\n\nChannel 0: that kind of caused it to start going down. Now what we ended up doing is just across our investment committee, we reviewed that fund manager, which is called Benelon. And we found that there was a few issues with the guys leaving that fund, and we didn't believe that it was gonna catch back up again. So what we did was we switched it out of your super fund for an option that's a lot lower fees, lot better performance. So every option that you've got in there now has gone back into the positive, and they're all growing pretty, pretty well.\n\nNow do you remember getting any emails from us in March for it would have been called a record of advice. Did you end up seeing that one?\n\nChannel 1: I'm not sure. Well, I don't hear hell of a lot from these actually, but\n\nChannel 0: Yeah. I saw on our old system that we're trying to get you booked in to go through a few things, but I think we were just missing you on the on the right days to call you. So which is why I'm really glad that I've got you this morning\n\nChannel 1: Yeah.\n\nChannel 0: because I wanted to do a consolidation of that Russell Superfund. And you'd gone through some insurance information with my colleague, Kyle, just to get, like, the premiums down because your insurance premiums have been going up quite a lot. Does that ring a bell?\n\nChannel 1: No. Oh, yeah. That was. Yeah.\n\nChannel 0: Yeah. So I'm having a look at it at the moment. So the the Netwealth's looking really good. Just quickly on your Netwealth super, it's in a high growth super fund. So it's most of your money is in shares, property, and gold to try and get you those high long term returns.\n\nI do note that you've got about twelve years until you can access your super. So, normally, we keep people in that high growth stage until you've got less than ten years to go, and then we can kind of slowly reduce the risk and and protect it once it's built up. So I just wanted to double check with you. Are you okay with that idea of just trying to get as much returns as possible while you've still got some time under your belt? Cool.\n\nSo because that Russell Superfund doesn't have any insurances attached to it, I can get that consolidated into the new portfolio that we built within the Netwealth. And I'm basically gonna put together a document for you that just shows you the differences in the performance and fees and projections just to make sure you're happy before I touch anything. Is that okay? Beautiful. Now the last two things I wanted to go over sorry.\n\nThree things. Beneficiaries, your insurances, and just a couple of details to update, and then I should be pretty well sweet. In terms of the beneficiaries here, I've just got them open in front of me. You've already got them in place, and it's split three ways. You've got it between Sarah, India, and Ruby.\n\nChannel 1: That's for the change now on separator.\n\nChannel 0: Okay. So do you want me to take down who you would like to put on there, and I can get some forms sent out to you?\n\nChannel 1: Yeah. And then raise it.\n\nChannel 0: And just split it between them fifty fifty or\n\nChannel 1: Yeah. Yep.\n\nChannel 0: yep. Fifty fifty. You already had it as a binding, non lapsing. So, like, it's legally binding, and it just continues on until you change it. So I can basically just get those details, prefill them in there for you, and then you just gotta get them witness and get sent back to us.\n\nWould\n\nChannel 1: Oh, I\n\nChannel 0: it be\n\nChannel 1: forget\n\nChannel 0: easier for\n\nChannel 1: I'm with\n\nChannel 0: yeah. Legal sorry. Legal agreements like wills and things like that, you're just gonna get two people that aren't the beneficiaries to witness your signature. Now I can get it emailed out for you if you've got a printer, but if it's easier, I can just get it posted out with a return envelope if that helps.\n\nChannel 1: Yes. It's still positive. I don't think.\n\nChannel 0: Yep. Post an envelope. Easy done. And do you want that to reflect the same on the life insurance? Oh, Russell, have I still got you there, mate?\n\nChannel 1: Yeah. You did. Just turned\n\nChannel 0: Sorry.\n\nChannel 1: out\n\nChannel 0: Just\n\nChannel 1: the answer.\n\nChannel 0: no worries. Just wanted to double check the life insurance. You wanna have it the same split on that the same as the super.\n\nChannel 1: Yeah. You know how to do it.\n\nChannel 0: Yep. Cool. Easy done. That's all good. And just the last couple of things.\n\nSo in terms of the insurances, let me just walk you through where they're sitting at. And I just wanna update your your income and your assets, and then I can get those altered as well. So I'm looking at life TPD income protection. Do you remember those three policies you've got? Life TPD and income protection?\n\nChannel 1: Not really.\n\nChannel 0: K.\n\nChannel 1: No.\n\nChannel 0: So\n\nChannel 1: Don't.\n\nChannel 0: you've got life insurance of 687,000. That's coming out of the super. It's a couple of grand a year for that one. And it pretty much clears we had your mortgage at about $500. What's that sitting out at the moment, or has that changed?\n\nChannel 1: Yeah. It's about $400 of the line.\n\nChannel 0: Yep. $500 at the moment.\n\nChannel 1: Yeah. We're selling that property down there. Yeah. We got a lot.\n\nChannel 0: Alright. So selling, going your own way, and then you're just gonna get another property with a bit higher loan on it? Or\n\nChannel 1: No. I'm getting a different property as well.\n\nChannel 0: cool. Alright. So do you want me to leave the 687,000 worth of life in total disability insurance at those amounts for the time being until you do that?\n\nChannel 1: Yeah. Yeah. Of course.\n\nChannel 0: Perfect. I'm just gonna quickly research and see if there's any other providers that are offering the same cover for a cheaper price. And if there is,\n\nChannel 1: Yeah.\n\nChannel 0: I'd like to kind of get the premiums down for you. Cool. Last two things here just in terms of\n\nChannel 1: Okay.\n\nChannel 0: the income protection. So I had your income at about a 140,000, heavy machine operator. Still about the same with Carol BP?\n\nChannel 1: Yeah. I am. Yeah.\n\nChannel 0: Perfect. Now\n\nChannel 1: Yeah.\n\nChannel 0: the income protection is the one that I'm sort of a bit more worried about. Having a look at it here, we've got 5,740 a month worth of cover, and that's protecting an income of a $100. Thirty day waiting period. So if you're out for a month, it kicks in and gives you an income for up to five years. But the premiums are about $4.5 a year for that one.\n\nSo I also wanna just see if there's someone who can offer it for a bit of a cheaper price for the same one, if that's okay. K. Do you want me to change the the amount that you're covered for or just kind of leave that the same for the time being?\n\nChannel 1: I'm not ready for the phone bank.\n\nChannel 0: Cool. And the last one was, like, the trauma insurance. You basically were saying, look, there's no point getting extra out of pocket insurances for heart attack, stroke, and cancer because you've got enough things that you're trying to do with your cash flow. Is that right? Cool.\n\nChannel 1: Yep. Yep.\n\nChannel 0: So I've got the occupation. That's all sorted. We had about $25 in savings. You didn't get a a will in place, did you?\n\nChannel 1: No. No. I got my solicitor is advising me.\n\nChannel 0: Cool. Yep. Alright. So deal with the estate planning. Let the solicitor handle that kind of thing.\n\nPerfect. Now with the separation, is anything gonna happen to the super at this point? Do you know?\n\nChannel 1: Okay. Don't know. Don't know. I've got I've got another place. It approached me to do a self management.\n\nChannel 0: Yeah. Those are is that to buy a property?\n\nChannel 1: No. I don't think it's the boss opening.\n\nChannel 0: Yeah. Normally, people set up the self managed ones. I do a few of them just so you can buy, like, an investment property through your super kind of thing. Outside of those, there's not much to do with self managed super funds. Like, you can invest in all the same things you can do through a Netwealth or a hub or or someone like that.\n\nRight. Cost a little bit to set up those things, but the government banned the property side of things at the start of this month so people can't buy the properties anymore through their super.\n\nChannel 1: Yep.\n\nChannel 0: Okay? And the other thing too is that's why I was checking with the the super as part of the separation is we've got some discounts that we're applying to our clients. So we haven't been charging any any fees, just waiting to get in contact with you. So we've had them turned off just to make sure that we don't charge you anything unless we're doing something for you. But we do have some discounts for everybody above 200,000.\n\nSo what I wanna do is quickly do is let you know that above 200,000, the percentage drops from 1.65 down to 1.3. And once we get you above 0.5 a mil, it goes down again to 1.1. So the only difference is it's like a it's a flat fee. We basically just lock it in for twelve months, but there are those discounts based on your balance. So just wanted to quickly run that by you before I sent through any consent form so we can still be advisers on the Netwealth.\n\nAre you okay with that idea of the the discounted tiered fees, but it's flat?\n\nChannel 1: Nope.\n\nChannel 0: Cool.\n\nChannel 1: Yep.\n\nChannel 0: Alrighty. Now the other last thing, and then I can basically let you go, is just in terms of goals, mate, is there anything else that I need to factor in that you're up to for the next twelve months, few years that have changed now, or you're just trying to wait until all this is sorted?\n\nChannel 1: Yeah. Just trying to line until it's sold.\n\nChannel 0: Yeah. So I'm not gonna ask you to start doing salary sacrificing to soup or anything like that because you've got enough on the plate, and you don't really know where it's gonna land at this point.\n\nChannel 1: Yeah. Well, I did it one over the timeline. I'm not gonna reduce my taxable\n\nChannel 0: Income\n\nChannel 1: income.\n\nChannel 0: for that.\n\nChannel 1: So\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: Absolutely. So get the home\n\nChannel 1: Hi.\n\nChannel 0: loan\n\nChannel 1: Yeah.\n\nChannel 0: first.\n\nChannel 1: I'm all about to. How\n\nChannel 0: Yeah.\n\nChannel 1: how much can you salary sacrifice to your supervisor?\n\nChannel 0: So they've increased it to 32,500, but it includes what your employer's putting in. So sort the property out first, but, basically, if you're on a 140 grands, they're putting in around 16,800, and you've got another 15,000 to go, which is about $280 a week is the maximum I would do at some point.\n\nChannel 1: No. Okay.\n\nChannel 0: Cool. So I'll keep that in\n\nChannel 1: No.\n\nChannel 0: the background, but, basically, probably best checking that in maybe twelve months time, if that's okay.\n\nChannel 1: Yeah. That'd be good.\n\nChannel 0: Cool. So what I'll do from here, Russell, any questions for me so far?\n\nChannel 1: No.\n\nChannel 0: Awesome. So what I'm gonna do is I'm just gonna send through a bit of an updated pack for you for the I guess, like, a review pack. I'm gonna include the discounts tiered fee structure for you. And then, basically, in a couple of weeks' time, I'm just gonna get you booked in to go through this document. And what I'm aiming to do is consolidate the Russell Super, make sure you've got the good performance, the good fees, and see if I can get the insurance premiums down a little bit.\n\nChannel 1: Okay.\n\nChannel 0: Cool. Anything else that\n\nChannel 1: No\n\nChannel 0: you feel\n\nChannel 1: worries.\n\nChannel 0: like I can kind of give you advice on at this point?\n\nChannel 1: No.\n\nChannel 0: Cool. Alrighty. I'll send that email through to you today. If you could please have a look, give us a sign if you're comfortable with it, and then in couple of weeks time, we'll get you booked in. Do you have any movements in terms of flying out for work or anything that I need to let the team know?\n\nChannel 1: Just once a month for the road shift. Once a once a month for the road shift.\n\nChannel 0: Yep. Switches around a little bit. So we'll see when we can kind of grab you, and I'll just get some updated ID. I'm gonna send you a message to update the ID to certify for those beneficiary forms, and I'll get Michelle to post them out to you with an envelope.\n\nChannel 1: Okay.\n\nChannel 0: Beauty, mate. We've just hit fifteen minutes on the dot, so I do appreciate you taking the time today. If you need anything else from us, just give us a buzz, but I'll be in touch with you in a couple of\n\nChannel 1: Okay. No worries.\n\nChannel 0: Awesome,\n\nChannel 1: Thank you.\n\nChannel 0: Russell. Have a fantastic day, mate. Cheers.\n\nChannel 1: No problem.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.52,"end":2.02,"sentiment":"neutral","sentiment_score":0.031194034963846207}],"sentiment":"neutral","sentiment_score":0.031194034963846207,"channel":1,"num_words":1,"start":1.52,"end":2.02},{"sentences":[{"text":"Good morning, mister Russell.","start":2.8799999,"end":4.08,"sentiment":"neutral","sentiment_score":0.30269236862659454},{"text":"It's Tommy here from Oakview, mate, one of the senior advisers.","start":4.08,"end":7.3599997,"sentiment":"neutral","sentiment_score":0.21620632708072662},{"text":"How are you doing?","start":7.3599997,"end":8.26,"sentiment":"neutral","sentiment_score":0.20783055946230888}],"sentiment":"neutral","sentiment_score":0.23265059527597928,"channel":0,"num_words":19,"start":2.8799999,"end":8.26},{"sentences":[{"text":"Yeah.","start":8.639999,"end":8.96,"sentiment":"neutral","sentiment_score":0.12323559075593948},{"text":"Not too bad.","start":8.96,"end":9.86,"sentiment":"neutral","sentiment_score":0.1939723864197731}],"sentiment":"neutral","sentiment_score":0.1762881875038147,"channel":1,"num_words":4,"start":8.639999,"end":9.86},{"sentences":[{"text":"Good.","start":9.5199995,"end":10.0199995,"sentiment":"neutral","sentiment_score":0.331991970539093},{"text":"Mate, I've got you booked in for a little bit of catch up.","start":10.48,"end":13.375,"sentiment":"neutral","sentiment_score":0.1439563242288736},{"text":"Just wondering if you've got a bit of time for me this morning.","start":13.615,"end":15.955,"sentiment":"neutral","sentiment_score":0.04569720906706957}],"sentiment":"neutral","sentiment_score":0.1036106630883835,"channel":0,"num_words":27,"start":9.5199995,"end":15.955},{"sentences":[{"text":"Roughly how long one would take?","start":17.625,"end":19.325,"sentiment":"neutral","sentiment_score":-0.0025991476140916348}],"sentiment":"neutral","sentiment_score":-0.0025991476140916348,"channel":1,"num_words":6,"start":17.625,"end":19.325},{"sentences":[{"text":"Oh, about fifteen minutes, maybe twenty max.","start":19.615,"end":22.355,"sentiment":"neutral","sentiment_score":0.004940084314772061}],"sentiment":"neutral","sentiment_score":0.004940084314772061,"channel":0,"num_words":7,"start":19.615,"end":22.355},{"sentences":[{"text":"Yeah.","start":22.985,"end":23.224998,"sentiment":"neutral","sentiment_score":0.0298654455691576},{"text":"Two.","start":23.224998,"end":23.625,"sentiment":"neutral","sentiment_score":0.04081728309392929},{"text":"No worries.","start":23.625,"end":24.285,"sentiment":"neutral","sentiment_score":0.1476265862584114}],"sentiment":"neutral","sentiment_score":0.09148397529497743,"channel":1,"num_words":4,"start":22.985,"end":24.285},{"sentences":[{"text":"Beautiful.","start":24.735,"end":25.215,"sentiment":"positive","sentiment_score":0.5402462482452393},{"text":"Beautiful.","start":25.215,"end":25.535,"sentiment":"positive","sentiment_score":0.5189885497093201},{"text":"Now before I get stuck into it, I'm just reviewing a few strategies we've been sort of building for you, and I just need to confirm security.","start":25.535,"end":33.02,"sentiment":"neutral","sentiment_score":0.04127382838891612},{"text":"So I'm registered with Advise at 1273105.","start":33.72,"end":37.72,"sentiment":"neutral","sentiment_score":0.021322969081146375},{"text":"Could I please get your date of birth and address,","start":37.72,"end":40.095,"sentiment":"neutral","sentiment_score":0.017240993678569794}],"sentiment":"neutral","sentiment_score":0.054245627930630806,"channel":0,"num_words":46,"start":24.735,"end":40.095},{"sentences":[{"text":"Yeah.","start":41.645,"end":41.885002,"sentiment":"neutral","sentiment_score":0.015382410027086737},{"text":"After February, 97934 Kinston Street, Trenton Southwest 4033.","start":41.885002,"end":50.385002,"sentiment":"neutral","sentiment_score":0.015685709891840816}],"sentiment":"neutral","sentiment_score":0.01565200990686814,"channel":1,"num_words":9,"start":41.645,"end":50.385002},{"sentences":[{"text":"sir?","start":50.175003,"end":50.675003,"sentiment":"neutral","sentiment_score":0.029267629608511925},{"text":"Amazing.","start":50.975002,"end":51.375,"sentiment":"positive","sentiment_score":0.4873481988906861},{"text":"Thank you for that, mate.","start":51.375,"end":52.335,"sentiment":"positive","sentiment_score":0.6199451446533203},{"text":"And you okay for the call to be recorded?","start":52.335,"end":54.24,"sentiment":"neutral","sentiment_score":0.17829993036058214}],"sentiment":"neutral","sentiment_score":0.3263150578131899,"channel":0,"num_words":16,"start":50.175003,"end":54.24},{"sentences":[{"text":"Yeah.","start":55.08,"end":55.32,"sentiment":"neutral","sentiment_score":0.10801848024129868},{"text":"That's alright.","start":55.32,"end":56.06,"sentiment":"neutral","sentiment_score":0.19850564748048782}],"sentiment":"neutral","sentiment_score":0.16834325840075812,"channel":1,"num_words":3,"start":55.08,"end":56.06},{"sentences":[{"text":"Perfect.","start":56.620003,"end":56.940002,"sentiment":"positive","sentiment_score":0.561211347579956},{"text":"Perfect.","start":56.940002,"end":57.440002,"sentiment":"positive","sentiment_score":0.4755181074142456},{"text":"Now, Russell, I've gone through your file's actually been escalated to me as a senior adviser.","start":57.58,"end":62.64,"sentiment":"neutral","sentiment_score":0.01082038626918802},{"text":"We were doing a whole bunch of different strategies and ideas, and there's been a few changes on your account.","start":63.02,"end":67.995,"sentiment":"neutral","sentiment_score":-0.01497944227885455},{"text":"And so, basically, what I wanted to do today is just kind of recap where everything's currently sitting, what I'm looking to do, get just a little bit of an update of info from you, and then I should be good to go and sort a few things out for you if that's alright.","start":68.315,"end":82.79,"sentiment":"neutral","sentiment_score":0.04335769019908858}],"sentiment":"neutral","sentiment_score":0.03534328326603155,"channel":0,"num_words":92,"start":56.620003,"end":82.79},{"sentences":[{"text":"Uh-huh.","start":83.439995,"end":83.939995,"sentiment":"neutral","sentiment_score":0.015571646392345428}],"sentiment":"neutral","sentiment_score":0.015571646392345428,"channel":1,"num_words":1,"start":83.439995,"end":83.939995},{"sentences":[{"text":"Beauty.","start":84.850006,"end":85.25,"sentiment":"neutral","sentiment_score":0.11444760859012604},{"text":"Now your super fund.","start":85.25,"end":87.97,"sentiment":"neutral","sentiment_score":0.034263609908521175},{"text":"So you've got the Netwealth and the Russell.","start":87.97,"end":90.15,"sentiment":"neutral","sentiment_score":0.0053774885018356144},{"text":"And with your Netwealth account, so it was sitting at 247,000.","start":90.61,"end":96.29,"sentiment":"neutral","sentiment_score":-0.02903291058133949},{"text":"It's it's sitting at $257,000 now.","start":96.29,"end":98.995,"sentiment":"neutral","sentiment_score":-0.051288370663921036}],"sentiment":"neutral","sentiment_score":-0.011085676137978832,"channel":0,"num_words":30,"start":84.850006,"end":98.995},{"sentences":[{"text":"And one of the things that we did was towards the beginning of the year, one of the investment options was going into the negative when the war in Iran kicked off, and it kind of wasn't keeping up with the Australian stock market, if that makes sense.","start":99.534996,"end":116.01,"sentiment":"neutral","sentiment_score":-0.23277850433563194},{"text":"They kind of made a bit of a bad investment overseas, and","start":116.01,"end":120.25,"sentiment":"negative","sentiment_score":-0.45962000141541165}],"sentiment":"neutral","sentiment_score":-0.27814680375158785,"channel":0,"num_words":60,"start":99.534996,"end":120.25},{"sentences":[{"text":"No.","start":120.229996,"end":120.729996,"sentiment":"negative","sentiment_score":-0.367220014333725}],"sentiment":"negative","sentiment_score":-0.367220014333725,"channel":1,"num_words":1,"start":120.229996,"end":120.729996},{"sentences":[{"text":"that kind of caused it to start going down.","start":120.25,"end":122.670006,"sentiment":"negative","sentiment_score":-0.3897823128435347},{"text":"Now what we ended up doing is just across our investment committee, we reviewed that fund manager, which is called Benelon.","start":123.450005,"end":130.755,"sentiment":"neutral","sentiment_score":0.05660587194420043},{"text":"And we found that there was a few issues with the guys leaving that fund, and we didn't believe that it was gonna catch back up again.","start":131.695,"end":139.075,"sentiment":"neutral","sentiment_score":-0.14518694069098542},{"text":"So what we did was we switched it out of your super fund for an option that's a lot lower fees, lot better performance.","start":139.32,"end":147.58,"sentiment":"neutral","sentiment_score":0.15706631913781166},{"text":"So every option that you've got in there now has gone back into the positive, and they're all growing pretty, pretty well.","start":148.28,"end":155.435,"sentiment":"positive","sentiment_score":0.6243720176545057}],"sentiment":"neutral","sentiment_score":0.10938263246879994,"channel":0,"num_words":103,"start":120.25,"end":155.435},{"sentences":[{"text":"Now do you remember getting any emails from us in March for it would have been called a record of advice.","start":157.335,"end":162.455,"sentiment":"neutral","sentiment_score":0.08198025671853906},{"text":"Did you end up seeing that one?","start":162.455,"end":164.07501,"sentiment":"neutral","sentiment_score":0.013746606585170542}],"sentiment":"neutral","sentiment_score":0.06492184418519693,"channel":0,"num_words":28,"start":157.335,"end":164.07501},{"sentences":[{"text":"I'm not sure.","start":165.05,"end":166.11,"sentiment":"neutral","sentiment_score":-0.05849733452002207},{"text":"Well, I don't hear hell of a lot from these actually, but","start":167.69,"end":171.63,"sentiment":"neutral","sentiment_score":-0.11784005165100098}],"sentiment":"neutral","sentiment_score":-0.1059715082248052,"channel":1,"num_words":15,"start":165.05,"end":171.63},{"sentences":[{"text":"Yeah.","start":172.26001,"end":172.74,"sentiment":"neutral","sentiment_score":-0.034976936876773834},{"text":"I saw on our old system that we're trying to get you booked in to go through a few things, but I think we were just missing you on the on the right days to call you.","start":172.74,"end":181.425,"sentiment":"neutral","sentiment_score":-0.08102502185549285},{"text":"So which is why I'm really glad that I've got you this morning","start":181.425,"end":184.32501,"sentiment":"positive","sentiment_score":0.5068128068859761}],"sentiment":"neutral","sentiment_score":0.06971889694093489,"channel":0,"num_words":51,"start":172.26001,"end":184.32501},{"sentences":[{"text":"Yeah.","start":184.995,"end":185.25,"sentiment":"neutral","sentiment_score":0.10292988270521164}],"sentiment":"neutral","sentiment_score":0.10292988270521164,"channel":1,"num_words":1,"start":184.995,"end":185.25},{"sentences":[{"text":"because I wanted to do a consolidation of that Russell Superfund.","start":185.505,"end":190.32501,"sentiment":"neutral","sentiment_score":0.18876046348701825},{"text":"And you'd gone through some insurance information with my colleague, Kyle, just to get, like, the premiums down because your insurance premiums have been going up quite a lot.","start":190.945,"end":199.70999,"sentiment":"neutral","sentiment_score":0.13330363636386805},{"text":"Does that ring a bell?","start":199.70999,"end":200.93,"sentiment":"neutral","sentiment_score":0.020332741551101208}],"sentiment":"neutral","sentiment_score":0.1343074280147751,"channel":0,"num_words":45,"start":185.505,"end":200.93},{"sentences":[{"text":"No.","start":200.49501,"end":200.99501,"sentiment":"neutral","sentiment_score":-0.06205126643180847},{"text":"Oh, yeah.","start":201.29501,"end":202.41501,"sentiment":"neutral","sentiment_score":-0.03136198967695236},{"text":"That was.","start":202.41501,"end":203.075,"sentiment":"neutral","sentiment_score":-0.03130673989653587},{"text":"Yeah.","start":205.695,"end":206.195,"sentiment":"neutral","sentiment_score":0.0259061586111784}],"sentiment":"neutral","sentiment_score":-0.026913761161267757,"channel":1,"num_words":6,"start":200.49501,"end":206.195},{"sentences":[{"text":"Yeah.","start":206.26999,"end":206.76999,"sentiment":"neutral","sentiment_score":0.05833059921860695},{"text":"So I'm having a look at it at the moment.","start":206.90999,"end":208.815,"sentiment":"neutral","sentiment_score":0.099866733700037},{"text":"So the the Netwealth's looking really good.","start":208.815,"end":210.575,"sentiment":"positive","sentiment_score":0.4044581013066428},{"text":"Just quickly on your Netwealth super, it's in a high growth super fund.","start":210.575,"end":214.755,"sentiment":"neutral","sentiment_score":0.22370491807277387},{"text":"So it's most of your money is in shares, property, and gold to try and get you those high long term returns.","start":214.815,"end":221.395,"sentiment":"neutral","sentiment_score":0.24795354902744293}],"sentiment":"neutral","sentiment_score":0.23115748413047701,"channel":0,"num_words":53,"start":206.26999,"end":221.395},{"sentences":[{"text":"I do note that you've got about twelve years until you can access your super.","start":222.31,"end":226.65,"sentiment":"neutral","sentiment_score":0.08742956121762593},{"text":"So, normally, we keep people in that high growth stage until you've got less than ten years to go, and then we can kind of slowly reduce the risk and and protect it once it's built up.","start":226.95,"end":238.675,"sentiment":"neutral","sentiment_score":0.19677911316220825},{"text":"So I just wanted to double check with you.","start":238.895,"end":240.975,"sentiment":"neutral","sentiment_score":0.16565764198700586},{"text":"Are you okay with that idea of just trying to get as much returns as possible while you've still got some time under your belt?","start":240.975,"end":246.835,"sentiment":"neutral","sentiment_score":0.2375861519575119},{"text":"Cool.","start":249.21501,"end":249.71501,"sentiment":"neutral","sentiment_score":0.10288466513156892}],"sentiment":"neutral","sentiment_score":0.18535319364618982,"channel":0,"num_words":87,"start":222.31,"end":249.71501},{"sentences":[{"text":"So because that Russell Superfund doesn't have any insurances attached to it, I can get that consolidated into the new portfolio that we built within the Netwealth.","start":250.095,"end":260.03,"sentiment":"positive","sentiment_score":0.3433660666147868},{"text":"And I'm basically gonna put together a document for you that just shows you the differences in the performance and fees and projections just to make sure you're happy before I touch anything.","start":260.33,"end":268.655,"sentiment":"neutral","sentiment_score":0.2851259952241724},{"text":"Is that okay?","start":268.655,"end":269.475,"sentiment":"neutral","sentiment_score":0.29920417070388794},{"text":"Beautiful.","start":271.85498,"end":272.35498,"sentiment":"positive","sentiment_score":0.6758999824523926},{"text":"Now the last two things I wanted to go over sorry.","start":272.495,"end":275.535,"sentiment":"neutral","sentiment_score":0.1658777343955907}],"sentiment":"neutral","sentiment_score":0.29437612285216647,"channel":0,"num_words":75,"start":250.095,"end":275.535},{"sentences":[{"text":"Three things.","start":275.535,"end":276.195,"sentiment":"neutral","sentiment_score":0.07749953120946884},{"text":"Beneficiaries, your insurances, and just a couple of details to update, and then I should be pretty well sweet.","start":276.895,"end":282.57,"sentiment":"positive","sentiment_score":0.3424978946384631},{"text":"In terms of the beneficiaries here, I've just got them open in front of me.","start":282.95,"end":287.27002,"sentiment":"neutral","sentiment_score":0.15254410058259965},{"text":"You've already got them in place, and it's split three ways.","start":287.27002,"end":290.085,"sentiment":"neutral","sentiment_score":0.12179175561124628},{"text":"You've got it between Sarah, India, and Ruby.","start":290.88498,"end":294.025,"sentiment":"neutral","sentiment_score":0.058894884306937456}],"sentiment":"neutral","sentiment_score":0.19566343555396254,"channel":0,"num_words":55,"start":275.535,"end":294.025},{"sentences":[{"text":"That's for the change now on separator.","start":295.32,"end":297.5,"sentiment":"neutral","sentiment_score":0.06857830924647194}],"sentiment":"neutral","sentiment_score":0.06857830924647194,"channel":1,"num_words":7,"start":295.32,"end":297.5},{"sentences":[{"text":"Okay.","start":298.405,"end":298.905,"sentiment":"neutral","sentiment_score":0.07538652420043945},{"text":"So do you want me to take down who you would like to put on there, and I can get some forms sent out to you?","start":299.205,"end":304.745,"sentiment":"neutral","sentiment_score":0.055680179896836095}],"sentiment":"neutral","sentiment_score":0.05641004450067326,"channel":0,"num_words":27,"start":298.405,"end":304.745},{"sentences":[{"text":"Yeah.","start":309.535,"end":310.035,"sentiment":"neutral","sentiment_score":0.039892926812171936},{"text":"And then raise it.","start":310.495,"end":311.795,"sentiment":"neutral","sentiment_score":0.042772477492690086}],"sentiment":"neutral","sentiment_score":0.04219656735658646,"channel":1,"num_words":5,"start":309.535,"end":311.795},{"sentences":[{"text":"And just split it between them fifty fifty or","start":313.03,"end":315.77,"sentiment":"neutral","sentiment_score":0.02885843047665225}],"sentiment":"neutral","sentiment_score":0.02885843047665225,"channel":0,"num_words":9,"start":313.03,"end":315.77},{"sentences":[{"text":"Yeah.","start":316.975,"end":317.45502,"sentiment":"neutral","sentiment_score":0.056923821568489075},{"text":"Yep.","start":317.45502,"end":317.95502,"sentiment":"neutral","sentiment_score":0.09416087716817856}],"sentiment":"neutral","sentiment_score":0.07554234936833382,"channel":1,"num_words":2,"start":316.975,"end":317.95502},{"sentences":[{"text":"yep.","start":318.63,"end":318.95,"sentiment":"neutral","sentiment_score":0.10811243206262589},{"text":"Fifty fifty.","start":318.95,"end":319.77,"sentiment":"neutral","sentiment_score":0.09767871350049973},{"text":"You already had it as a binding, non lapsing.","start":320.055,"end":322.695,"sentiment":"neutral","sentiment_score":0.11031281534168455},{"text":"So, like, it's legally binding, and it just continues on until you change it.","start":322.695,"end":326.45502,"sentiment":"neutral","sentiment_score":0.13060098407523973},{"text":"So I can basically just get those details, prefill them in there for you, and then you just gotta get them witness and get sent back to us.","start":326.45502,"end":334.92,"sentiment":"neutral","sentiment_score":0.20213455627007143}],"sentiment":"neutral","sentiment_score":0.16267530647692857,"channel":0,"num_words":54,"start":318.63,"end":334.92},{"sentences":[{"text":"Would","start":336.2,"end":336.44,"sentiment":"neutral","sentiment_score":0.10183726996183395}],"sentiment":"neutral","sentiment_score":0.10183726996183395,"channel":0,"num_words":1,"start":336.2,"end":336.44},{"sentences":[{"text":"Oh, I","start":336.27502,"end":336.595,"sentiment":"neutral","sentiment_score":0.11662033200263977}],"sentiment":"neutral","sentiment_score":0.11662033200263977,"channel":1,"num_words":2,"start":336.27502,"end":336.595},{"sentences":[{"text":"it be","start":336.44,"end":336.76,"sentiment":"neutral","sentiment_score":0.11646386981010436}],"sentiment":"neutral","sentiment_score":0.11646386981010436,"channel":0,"num_words":2,"start":336.44,"end":336.76},{"sentences":[{"text":"forget","start":336.595,"end":337.075,"sentiment":"neutral","sentiment_score":0.09595532715320589}],"sentiment":"neutral","sentiment_score":0.09595532715320589,"channel":1,"num_words":1,"start":336.595,"end":337.075},{"sentences":[{"text":"easier for","start":336.76,"end":337.24002,"sentiment":"neutral","sentiment_score":0.12187623605132102}],"sentiment":"neutral","sentiment_score":0.12187623605132102,"channel":0,"num_words":2,"start":336.76,"end":337.24002},{"sentences":[{"text":"I'm with","start":337.075,"end":337.73502,"sentiment":"neutral","sentiment_score":0.07279215380549431}],"sentiment":"neutral","sentiment_score":0.07279215380549431,"channel":1,"num_words":2,"start":337.075,"end":337.73502},{"sentences":[{"text":"yeah.","start":338.28,"end":338.78,"sentiment":"neutral","sentiment_score":0.049317777156829834},{"text":"Legal sorry.","start":338.84003,"end":340.2,"sentiment":"neutral","sentiment_score":0.012802951969206333},{"text":"Legal agreements like wills and things like that, you're just gonna get two people that aren't the beneficiaries to witness your signature.","start":340.2,"end":346.54,"sentiment":"neutral","sentiment_score":0.08321358822286129},{"text":"Now I can get it emailed out for you if you've got a printer, but if it's easier, I can just get it posted out with a return envelope if that helps.","start":349.875,"end":357.335,"sentiment":"neutral","sentiment_score":0.16074742912314832}],"sentiment":"neutral","sentiment_score":0.12367614656033223,"channel":0,"num_words":57,"start":338.28,"end":357.335},{"sentences":[{"text":"Yes.","start":358.13498,"end":358.375,"sentiment":"neutral","sentiment_score":0.2374127060174942},{"text":"It's still positive.","start":358.375,"end":359.25497,"sentiment":"neutral","sentiment_score":0.3083907961845398},{"text":"I don't think.","start":359.25497,"end":360.155,"sentiment":"neutral","sentiment_score":0.07272131492694218}],"sentiment":"neutral","sentiment_score":0.19724986276456288,"channel":1,"num_words":7,"start":358.13498,"end":360.155},{"sentences":[{"text":"Yep.","start":360.835,"end":361.335,"sentiment":"neutral","sentiment_score":0.12622465193271637},{"text":"Post an envelope.","start":361.79,"end":362.83,"sentiment":"neutral","sentiment_score":0.14267171422640482},{"text":"Easy done.","start":362.83,"end":363.73,"sentiment":"positive","sentiment_score":0.38877345621585846},{"text":"And do you want that to reflect the same on the life insurance?","start":364.11002,"end":366.85,"sentiment":"neutral","sentiment_score":0.11786601348565175},{"text":"Oh, Russell, have I still got you there, mate?","start":372.83,"end":374.445,"sentiment":"neutral","sentiment_score":0.04415114141172833}],"sentiment":"neutral","sentiment_score":0.1164787555379527,"channel":0,"num_words":28,"start":360.835,"end":374.445},{"sentences":[{"text":"Yeah.","start":375.67,"end":376.07,"sentiment":"neutral","sentiment_score":0.0785520151257515},{"text":"You did.","start":376.07,"end":376.81,"sentiment":"neutral","sentiment_score":0.085432268679142},{"text":"Just 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answer.","start":378.07,"end":378.73,"sentiment":"neutral","sentiment_score":0.0070540765300393105}],"sentiment":"neutral","sentiment_score":0.0070540765300393105,"channel":1,"num_words":2,"start":378.07,"end":378.73},{"sentences":[{"text":"no worries.","start":380.045,"end":380.86502,"sentiment":"neutral","sentiment_score":0.05858497880399227},{"text":"Just wanted to double check the life insurance.","start":381.325,"end":383.165,"sentiment":"neutral","sentiment_score":0.03930114256218076},{"text":"You wanna have it the same split on that the same as the super.","start":383.165,"end":386.46,"sentiment":"neutral","sentiment_score":0.03336869792214462}],"sentiment":"neutral","sentiment_score":0.037447536208977304,"channel":0,"num_words":24,"start":380.045,"end":386.46},{"sentences":[{"text":"Yeah.","start":390.765,"end":391.265,"sentiment":"neutral","sentiment_score":0.09693680703639984},{"text":"You know how to do it.","start":391.325,"end":392.545,"sentiment":"neutral","sentiment_score":0.07064618232349555}],"sentiment":"neutral","sentiment_score":0.07440198585391045,"channel":1,"num_words":7,"start":390.765,"end":392.545},{"sentences":[{"text":"Yep.","start":392.78,"end":393.18,"sentiment":"neutral","sentiment_score":0.2939497232437134},{"text":"Cool.","start":393.18,"end":393.68,"sentiment":"positive","sentiment_score":0.6745351552963257},{"text":"Easy done.","start":393.9,"end":394.72,"sentiment":"positive","sentiment_score":0.7481973469257355},{"text":"That's all good.","start":396.53998,"end":397.68,"sentiment":"positive","sentiment_score":0.7617231607437134},{"text":"And just the last couple of things.","start":397.81998,"end":399.5,"sentiment":"neutral","sentiment_score":0.11901539244822093}],"sentiment":"positive","sentiment_score":0.3987969144114426,"channel":0,"num_words":14,"start":392.78,"end":399.5},{"sentences":[{"text":"So in terms of the insurances, let me just walk you through where they're sitting at.","start":399.5,"end":403.915,"sentiment":"neutral","sentiment_score":0.04793883371166885},{"text":"And I just wanna update your your income and your assets, and then I can get those altered as well.","start":403.915,"end":409.695,"sentiment":"neutral","sentiment_score":0.07815761249512435},{"text":"So I'm looking at life TPD income protection.","start":409.915,"end":415.71002,"sentiment":"neutral","sentiment_score":0.012958009436260909},{"text":"Do you remember those three policies you've got?","start":415.77002,"end":417.61002,"sentiment":"neutral","sentiment_score":0.0026625270256772637},{"text":"Life TPD and income protection?","start":417.61002,"end":419.15002,"sentiment":"neutral","sentiment_score":-0.006057875277474522}],"sentiment":"neutral","sentiment_score":0.042541201835040725,"channel":0,"num_words":57,"start":399.5,"end":419.15002},{"sentences":[{"text":"Not 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got life insurance of 687,000.","start":426.09003,"end":429.685,"sentiment":"neutral","sentiment_score":-0.0455584687491258},{"text":"That's coming out of the super.","start":430.145,"end":432.485,"sentiment":"neutral","sentiment_score":-0.031979499074319996},{"text":"It's a couple of grand a year for that one.","start":432.625,"end":434.88498,"sentiment":"neutral","sentiment_score":-0.022366220876574517},{"text":"And it pretty much clears we had your mortgage at about $500.","start":435.025,"end":439.025,"sentiment":"neutral","sentiment_score":-0.011748280143365264},{"text":"What's that sitting out at the moment, or has that changed?","start":439.025,"end":441.21,"sentiment":"neutral","sentiment_score":-0.020215927707878025}],"sentiment":"neutral","sentiment_score":-0.02338321293807692,"channel":0,"num_words":45,"start":426.09003,"end":441.21},{"sentences":[{"text":"Yeah.","start":442.725,"end":443.225,"sentiment":"neutral","sentiment_score":-0.004616243299096823},{"text":"It's about $400 of the line.","start":444.485,"end":446.745,"sentiment":"neutral","sentiment_score":-0.0005033566461255153}],"sentiment":"neutral","sentiment_score":-0.0010909118822642735,"channel":1,"num_words":7,"start":442.725,"end":446.745},{"sentences":[{"text":"Yep.","start":447.21,"end":447.53,"sentiment":"neutral","sentiment_score":0.007402258925139904},{"text":"$500 at the moment.","start":447.53,"end":449.15,"sentiment":"neutral","sentiment_score":-0.006662954809144139}],"sentiment":"neutral","sentiment_score":-0.0038499120622873307,"channel":0,"num_words":5,"start":447.21,"end":449.15},{"sentences":[{"text":"Yeah.","start":450.565,"end":451.065,"sentiment":"neutral","sentiment_score":-0.009354211390018463},{"text":"We're selling that property down there.","start":452.32498,"end":454.82498,"sentiment":"neutral","sentiment_score":-0.02182927479346593},{"text":"Yeah.","start":456.76,"end":457.08002,"sentiment":"neutral","sentiment_score":-0.005919303745031357},{"text":"We got a 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that?","start":472.87997,"end":481.845,"sentiment":"neutral","sentiment_score":-0.007734110578894615}],"sentiment":"neutral","sentiment_score":-0.002907022384220156,"channel":0,"num_words":29,"start":471.84,"end":481.845},{"sentences":[{"text":"Yeah.","start":483.445,"end":483.945,"sentiment":"neutral","sentiment_score":0.01887795701622963},{"text":"Yeah.","start":484.08502,"end":484.325,"sentiment":"neutral","sentiment_score":0.032665178179740906},{"text":"Of course.","start":484.325,"end":484.98502,"sentiment":"neutral","sentiment_score":0.07087047584354877}],"sentiment":"neutral","sentiment_score":0.04832102172076702,"channel":1,"num_words":4,"start":483.445,"end":484.98502},{"sentences":[{"text":"Perfect.","start":486.465,"end":486.965,"sentiment":"neutral","sentiment_score":0.2320404350757599},{"text":"I'm just gonna quickly research and see if there's any other providers that are offering the same cover for a cheaper price.","start":487.425,"end":493.08,"sentiment":"neutral","sentiment_score":0.0897346091541377},{"text":"And if there is,","start":493.96,"end":494.84,"sentiment":"neutral","sentiment_score":0.03887154068797827}],"sentiment":"neutral","sentiment_score":0.08746992589698897,"channel":0,"num_words":27,"start":486.465,"end":494.84},{"sentences":[{"text":"Yeah.","start":494.69,"end":495.19,"sentiment":"neutral","sentiment_score":0.045393601059913635}],"sentiment":"neutral","sentiment_score":0.045393601059913635,"channel":1,"num_words":1,"start":494.69,"end":495.19},{"sentences":[{"text":"I'd like to kind of get the premiums down for you.","start":494.84,"end":497.34,"sentiment":"neutral","sentiment_score":0.09949712455272675},{"text":"Cool.","start":500.59998,"end":501.08,"sentiment":"neutral","sentiment_score":0.09066123515367508},{"text":"Last two things here just in terms of","start":501.08,"end":503.63998,"sentiment":"neutral","sentiment_score":0.02078761300072074}],"sentiment":"neutral","sentiment_score":0.06757152546197176,"channel":0,"num_words":20,"start":494.84,"end":503.63998},{"sentences":[{"text":"Okay.","start":503.50497,"end":504.00497,"sentiment":"neutral","sentiment_score":0.004226363264024258}],"sentiment":"neutral","sentiment_score":0.004226363264024258,"channel":1,"num_words":1,"start":503.50497,"end":504.00497},{"sentences":[{"text":"the income protection.","start":503.63998,"end":504.62,"sentiment":"neutral","sentiment_score":-0.005554650289316972},{"text":"So I had your income at about a 140,000, heavy machine operator.","start":504.75998,"end":509.86502,"sentiment":"neutral","sentiment_score":-0.0046963480999693274},{"text":"Still about the same with Carol BP?","start":513.445,"end":516.185,"sentiment":"neutral","sentiment_score":-0.005640127729358417}],"sentiment":"neutral","sentiment_score":-0.005113682826049626,"channel":0,"num_words":22,"start":503.63998,"end":516.185},{"sentences":[{"text":"Yeah.","start":518.33,"end":518.49005,"sentiment":"neutral","sentiment_score":-0.0027756839990615845},{"text":"I 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worried about.","start":521.73,"end":525.19,"sentiment":"neutral","sentiment_score":-0.1205737272898356},{"text":"Having a look at it here, we've got 5,740 a month worth of cover, and that's protecting an income of a $100.","start":525.57,"end":536.09503,"sentiment":"neutral","sentiment_score":-0.008447155853818085},{"text":"Thirty day waiting period.","start":536.47504,"end":537.59503,"sentiment":"neutral","sentiment_score":-0.017328640911728144},{"text":"So if you're out for a month, it kicks in and gives you an income for up to five years.","start":537.59503,"end":541.775,"sentiment":"neutral","sentiment_score":0.3054506376385689},{"text":"But the premiums are about $4.5 a year for that one.","start":542.715,"end":545.91504,"sentiment":"neutral","sentiment_score":0.12793335792693225}],"sentiment":"neutral","sentiment_score":0.07572946928040539,"channel":0,"num_words":72,"start":521.73,"end":545.91504},{"sentences":[{"text":"So I also wanna just see if there's someone who can offer it for a bit of a cheaper price for the same one, if that's okay.","start":545.91504,"end":551.89996,"sentiment":"neutral","sentiment_score":0.2748186858715834},{"text":"K.","start":555.24,"end":555.74,"sentiment":"neutral","sentiment_score":0.05329657346010208},{"text":"Do you want me to change the the amount that you're covered for or just kind of leave that the same for the time being?","start":556.12,"end":561.1,"sentiment":"neutral","sentiment_score":0.038309818133711815}],"sentiment":"neutral","sentiment_score":0.15907823670444624,"channel":0,"num_words":53,"start":545.91504,"end":561.1},{"sentences":[{"text":"I'm not ready for the phone 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right?","start":578.69,"end":581.15,"sentiment":"neutral","sentiment_score":0.15083673099676767},{"text":"Cool.","start":582.45,"end":582.95,"sentiment":"neutral","sentiment_score":0.2375025451183319}],"sentiment":"neutral","sentiment_score":0.04265542894912263,"channel":0,"num_words":48,"start":565.29504,"end":582.95},{"sentences":[{"text":"Yep.","start":582.93,"end":583.43,"sentiment":"neutral","sentiment_score":0.16357263922691345},{"text":"Yep.","start":583.81,"end":584.31,"sentiment":"neutral","sentiment_score":0.16247233748435974}],"sentiment":"neutral","sentiment_score":0.1630224883556366,"channel":1,"num_words":2,"start":582.93,"end":584.31},{"sentences":[{"text":"So I've got the occupation.","start":583.97,"end":585.11,"sentiment":"neutral","sentiment_score":0.1916998416185379},{"text":"That's all sorted.","start":585.17,"end":586.15,"sentiment":"neutral","sentiment_score":0.27388737599054974},{"text":"We had about $25 in savings.","start":586.61,"end":588.71,"sentiment":"neutral","sentiment_score":0.19134417921304703},{"text":"You didn't get a a will in place, did you?","start":590.13,"end":591.915,"sentiment":"neutral","sentiment_score":0.06332960501313209}],"sentiment":"neutral","sentiment_score":0.1483967692280809,"channel":0,"num_words":24,"start":583.97,"end":591.915},{"sentences":[{"text":"No.","start":593.775,"end":594.015,"sentiment":"neutral","sentiment_score":-0.159074604511261},{"text":"No.","start":594.015,"end":594.095,"sentiment":"neutral","sentiment_score":-0.18133991956710815},{"text":"I got my solicitor is advising me.","start":594.095,"end":597.235,"sentiment":"neutral","sentiment_score":-0.1321608637060438}],"sentiment":"neutral","sentiment_score":-0.14061561889118618,"channel":1,"num_words":9,"start":593.775,"end":597.235},{"sentences":[{"text":"Cool.","start":597.83496,"end":598.07495,"sentiment":"neutral","sentiment_score":0.18113210797309875},{"text":"Yep.","start":598.07495,"end":598.555,"sentiment":"neutral","sentiment_score":0.14070157706737518},{"text":"Alright.","start":598.555,"end":598.95496,"sentiment":"neutral","sentiment_score":0.1720985770225525},{"text":"So deal with the estate planning.","start":598.95496,"end":600.63495,"sentiment":"neutral","sentiment_score":0.14090754588445029},{"text":"Let the solicitor handle that kind of 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know.","start":611.72003,"end":612.62,"sentiment":"neutral","sentiment_score":-0.08967804536223412},{"text":"Don't know.","start":613.0,"end":613.9,"sentiment":"neutral","sentiment_score":-0.11560817807912827},{"text":"I've got I've got another place.","start":613.92004,"end":618.225,"sentiment":"neutral","sentiment_score":-0.10965140412251155},{"text":"It approached me to do a self management.","start":618.285,"end":620.70496,"sentiment":"neutral","sentiment_score":-0.06745271850377321}],"sentiment":"neutral","sentiment_score":-0.08758276544119183,"channel":1,"num_words":19,"start":611.16003,"end":620.70496},{"sentences":[{"text":"Yeah.","start":622.715,"end":622.955,"sentiment":"neutral","sentiment_score":-0.014439672231674194},{"text":"Those are is that to buy a 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you.","start":673.32,"end":677.715,"sentiment":"neutral","sentiment_score":0.13147553149610758},{"text":"So we've had them turned off just to make sure that we don't charge you anything unless we're doing something for you.","start":677.715,"end":683.09503,"sentiment":"neutral","sentiment_score":0.07922201383520257},{"text":"But we do have some discounts for everybody above 200,000.","start":683.315,"end":687.255,"sentiment":"neutral","sentiment_score":0.22362572103738784}],"sentiment":"neutral","sentiment_score":0.12164833582937717,"channel":0,"num_words":80,"start":661.39496,"end":687.255},{"sentences":[{"text":"So what I wanna do is quickly do is let you know that above 200,000, the percentage drops from 1.65 down to 1.3.","start":687.715,"end":696.83997,"sentiment":"neutral","sentiment_score":0.24337279926175656},{"text":"And once we get you above 0.5 a mil, it goes down again to 1.1.","start":696.98,"end":701.96,"sentiment":"neutral","sentiment_score":0.17423534095287324},{"text":"So the only difference is it's like a it's a flat fee.","start":702.42,"end":705.46,"sentiment":"neutral","sentiment_score":0.09056180932869513},{"text":"We basically just lock it in for twelve months, but there are those discounts based on your balance.","start":705.46,"end":710.705,"sentiment":"neutral","sentiment_score":0.1435499961177508},{"text":"So just wanted to quickly run that by you before I sent through any consent form so we can still be advisers on the Netwealth.","start":711.08496,"end":718.225,"sentiment":"neutral","sentiment_score":0.21180978119373323}],"sentiment":"neutral","sentiment_score":0.18469882440022242,"channel":0,"num_words":93,"start":687.715,"end":718.225},{"sentences":[{"text":"Are you okay with that idea of the the discounted tiered fees, but it's 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all about to.","start":768.775,"end":770.075,"sentiment":"neutral","sentiment_score":0.05030523054301739},{"text":"How","start":771.18,"end":771.68,"sentiment":"neutral","sentiment_score":0.0238947831094265}],"sentiment":"neutral","sentiment_score":0.04502314105629921,"channel":1,"num_words":5,"start":768.775,"end":771.68},{"sentences":[{"text":"Yeah.","start":771.535,"end":772.035,"sentiment":"neutral","sentiment_score":0.030341513454914093}],"sentiment":"neutral","sentiment_score":0.030341513454914093,"channel":0,"num_words":1,"start":771.535,"end":772.035},{"sentences":[{"text":"how much can you salary sacrifice to your supervisor?","start":771.89996,"end":775.51996,"sentiment":"neutral","sentiment_score":-0.043987865249315895}],"sentiment":"neutral","sentiment_score":-0.043987865249315895,"channel":1,"num_words":9,"start":771.89996,"end":775.51996},{"sentences":[{"text":"So they've increased it to 32,500, but it includes what your employer's putting 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point.","start":782.3,"end":800.135,"sentiment":"neutral","sentiment_score":0.03848995277430953}],"sentiment":"neutral","sentiment_score":0.032834079531444745,"channel":0,"num_words":55,"start":776.77997,"end":800.135},{"sentences":[{"text":"No.","start":800.54004,"end":801.04004,"sentiment":"neutral","sentiment_score":-0.026411667466163635},{"text":"Okay.","start":801.98004,"end":802.48004,"sentiment":"neutral","sentiment_score":0.039371274411678314}],"sentiment":"neutral","sentiment_score":0.0064798034727573395,"channel":1,"num_words":2,"start":800.54004,"end":802.48004},{"sentences":[{"text":"Cool.","start":803.315,"end":803.79,"sentiment":"neutral","sentiment_score":0.09905698895454408},{"text":"So I'll keep that in","start":803.87,"end":804.75,"sentiment":"neutral","sentiment_score":0.06111481785774231}],"sentiment":"neutral","sentiment_score":0.0674385130405426,"channel":0,"num_words":6,"start":803.315,"end":804.75},{"sentences":[{"text":"No.","start":804.7,"end":805.2,"sentiment":"neutral","sentiment_score":-0.028045054525136948}],"sentiment":"neutral","sentiment_score":-0.028045054525136948,"channel":1,"num_words":1,"start":804.7,"end":805.2},{"sentences":[{"text":"the background, but, basically, probably best checking that in maybe twelve months time, if that's okay.","start":804.75,"end":809.97,"sentiment":"neutral","sentiment_score":0.008591875550337136}],"sentiment":"neutral","sentiment_score":0.008591875550337136,"channel":0,"num_words":16,"start":804.75,"end":809.97},{"sentences":[{"text":"Yeah.","start":811.58,"end":811.82,"sentiment":"neutral","sentiment_score":0.25390923023223877},{"text":"That'd be 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I'm gonna do is I'm just gonna send through a bit of an updated pack for you for the I guess, like, a review pack.","start":820.27496,"end":826.535,"sentiment":"neutral","sentiment_score":0.2700511128814132},{"text":"I'm gonna include the discounts tiered fee structure for you.","start":826.915,"end":831.12,"sentiment":"neutral","sentiment_score":0.27974524050951005},{"text":"And then, basically, in a couple of weeks' time, I'm just gonna get you booked in to go through this document.","start":831.12,"end":836.10004,"sentiment":"neutral","sentiment_score":0.25864669183890027},{"text":"And what I'm aiming to do is consolidate the Russell Super, make sure you've got the good performance, the good fees, and see if I can get the insurance premiums down a little 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on at this point?","start":850.835,"end":853.41504,"sentiment":"neutral","sentiment_score":0.05038598210861286}],"sentiment":"neutral","sentiment_score":0.05038598210861286,"channel":0,"num_words":12,"start":850.835,"end":853.41504},{"sentences":[{"text":"No.","start":853.56,"end":854.06,"sentiment":"neutral","sentiment_score":0.004556568339467049}],"sentiment":"neutral","sentiment_score":0.004556568339467049,"channel":1,"num_words":1,"start":853.56,"end":854.06},{"sentences":[{"text":"Cool.","start":857.33,"end":857.73,"sentiment":"neutral","sentiment_score":0.09998667240142822},{"text":"Alrighty.","start":857.73,"end":858.23,"sentiment":"neutral","sentiment_score":0.1916857659816742},{"text":"I'll send that email through to you today.","start":858.37,"end":860.45,"sentiment":"neutral","sentiment_score":0.27270309068262577},{"text":"If you could please have a look, give us a sign if you're comfortable with it, and then in couple of weeks time, we'll get you booked in.","start":860.45,"end":867.43,"sentiment":"neutral","sentiment_score":0.20975386457783834},{"text":"Do you have any movements in terms of flying out for work or anything that I need to let the team know?","start":867.73,"end":872.28503,"sentiment":"neutral","sentiment_score":0.0910977992144498}],"sentiment":"neutral","sentiment_score":0.17250928257902462,"channel":0,"num_words":60,"start":857.33,"end":872.28503},{"sentences":[{"text":"Just once a month for the road shift.","start":875.775,"end":877.695,"sentiment":"neutral","sentiment_score":0.02922298153862357},{"text":"Once a once a month for the road shift.","start":877.695,"end":879.66,"sentiment":"neutral","sentiment_score":0.04214216354820463}],"sentiment":"neutral","sentiment_score":0.03606254848487237,"channel":1,"num_words":17,"start":875.775,"end":879.66},{"sentences":[{"text":"Yep.","start":880.585,"end":881.065,"sentiment":"neutral","sentiment_score":0.13138771057128906},{"text":"Switches around a little 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mate.","start":899.7,"end":900.495,"sentiment":"positive","sentiment_score":0.4420441538095474},{"text":"We've just hit fifteen minutes on the dot, so I do appreciate you taking the time today.","start":900.575,"end":904.275,"sentiment":"positive","sentiment_score":0.585375486051335},{"text":"If you need anything else from us, just give us a buzz, but I'll be in touch with you in a couple of","start":904.735,"end":909.0929,"sentiment":"neutral","sentiment_score":0.13081775476103244}],"sentiment":"neutral","sentiment_score":0.32962571261894136,"channel":0,"num_words":42,"start":899.7,"end":909.0929},{"sentences":[{"text":"Okay.","start":911.07,"end":911.57,"sentiment":"neutral","sentiment_score":0.16735771298408508},{"text":"No worries.","start":911.87,"end":912.53,"sentiment":"positive","sentiment_score":0.3691166192293167}],"sentiment":"neutral","sentiment_score":0.3018636504809062,"channel":1,"num_words":3,"start":911.07,"end":912.53},{"sentences":[{"text":"Awesome,","start":912.9329,"end":913.3329,"sentiment":"positive","sentiment_score":0.843573808670044}],"sentiment":"positive","sentiment_score":0.843573808670044,"channel":0,"num_words":1,"start":912.9329,"end":913.3329},{"sentences":[{"text":"Thank you.","start":912.99,"end":913.73004,"sentiment":"positive","sentiment_score":0.8706286251544952}],"sentiment":"positive","sentiment_score":0.8706286251544952,"channel":1,"num_words":2,"start":912.99,"end":913.73004},{"sentences":[{"text":"Russell.","start":913.3329,"end":913.6529,"sentiment":"positive","sentiment_score":0.721575140953064},{"text":"Have a fantastic day, mate.","start":913.6529,"end":914.9329,"sentiment":"positive","sentiment_score":0.8219904780387879},{"text":"Cheers.","start":914.9329,"end":915.4329,"sentiment":"positive","sentiment_score":0.7086851000785828}],"sentiment":"positive","sentiment_score":0.7914589473179409,"channel":0,"num_words":7,"start":913.3329,"end":915.4329},{"sentences":[{"text":"No problem.","start":916.99,"end":917.73004,"sentiment":"neutral","sentiment_score":0.15589862316846848}],"sentiment":"neutral","sentiment_score":0.15589862316846848,"channel":1,"num_words":2,"start":916.99,"end":917.73004}]},"summary":{"result":"success","short":"A senior adviser from Oakview named Tommy discusses strategies and ideas for Russell's retirement and home portfolios with him. They update his income and assets, including his retirement savings and mortgage, and discuss updating his insurance policy. The agent provides this information and explains the process for obtaining a life insurance policy. They also discuss potential discounts for clients and provide a self-help plan. The speaker sends an updated review pack and offers to book the customer for a review."},"intents":{"segments":[{"text":"Mate, I've got you booked in for a little bit of catch up. Just wondering if you've got a bit of time for me this morning. Roughly how long one would take?","start_word":25,"end_word":56,"intents":[{"intent":"Arrange call","confidence_score":0.00018749335}]},{"text":"Now what we ended up doing is just across our investment committee, we reviewed that fund manager, which is called Benelon. And we found that there was a few issues with the guys leaving that fund, and we didn't believe that it was gonna catch back up again. So what we did was we switched it out of your super fund for an option that's a lot lower fees, lot better performance.","start_word":336,"end_word":407,"intents":[{"intent":"Compare funds","confidence_score":0.018744498}]},{"text":"So because that Russell Superfund doesn't have any insurances attached to it, I can get that consolidated into the new portfolio that we built within the Netwealth.","start_word":716,"end_word":742,"intents":[{"intent":"Consolidate portfolio","confidence_score":0.73328}]},{"text":"And I'm basically gonna put together a document for you that just shows you the differences in the performance and fees and projections just to make sure you're happy before I touch anything. Is that okay? Beautiful.","start_word":742,"end_word":778,"intents":[{"intent":"Obtain document","confidence_score":0.00029605845}]},{"text":"So do you want me to take down who you would like to put on there, and I can get some forms sent out to you?","start_word":853,"end_word":878,"intents":[{"intent":"Update forms","confidence_score":0.008418514}]},{"text":"So I can basically just get those details, prefill them in there for you, and then you just gotta get them witness and get sent back to us.","start_word":921,"end_word":948,"intents":[{"intent":"Send documents","confidence_score":0.11873621}]},{"text":"Just wanted to double check the life insurance.","start_word":1063,"end_word":1070,"intents":[{"intent":"Double check life insurance","confidence_score":0.02305401}]},{"text":"So in terms of the insurances, let me just walk you through where they're sitting at. And I just wanna update your your income and your assets, and then I can get those altered as well.","start_word":1106,"end_word":1141,"intents":[{"intent":"Update income and assets","confidence_score":0.63138855}]},{"text":"So I'm looking at life TPD income protection. Do you remember those three policies you've got? Life TPD and income protection?","start_word":1142,"end_word":1162,"intents":[{"intent":"Obtain policy information","confidence_score":0.000036348152}]},{"text":"Do you want me to change the the amount that you're covered for or just kind of leave that the same for the time being?","start_word":1480,"end_word":1504,"intents":[{"intent":"Requesting a change in insurance coverage","confidence_score":0.000115733405},{"intent":"Requesting a change in insurance coverage","confidence_score":0.04411328}]},{"text":"So deal with the estate planning. Let the solicitor handle that kind of thing. Perfect.","start_word":1598,"end_word":1612,"intents":[{"intent":"Discussing estate planning","confidence_score":0.00084940466}]},{"text":"And the other thing too is that's why I was checking with the the super as part of the separation is we've got some discounts that we're applying to our clients.","start_word":1770,"end_word":1800,"intents":[{"intent":"Apply discount","confidence_score":0.2116774}]},{"text":"So what I wanna do is quickly do is let you know that above 200,000, the percentage drops from 1.65 down to 1.3.","start_word":1848,"end_word":1870,"intents":[{"intent":"Confirm discount percentage","confidence_score":0.0043179085}]},{"text":"So the only difference is it's like a it's a flat fee. We basically just lock it in for twelve months, but there are those discounts based on your balance. So just wanted to quickly run that by you before I sent through any consent form so we can still be advisers on the Netwealth. Are you okay with that idea of the the discounted tiered fees, but it's flat? Nope.","start_word":1886,"end_word":1956,"intents":[{"intent":"Check balance","confidence_score":0.032685068}]},{"text":"Now the other last thing, and then I can basically let you go, is just in terms of goals, mate, is there anything else that I need to factor in that you're up to for the next twelve months, few years that have changed now, or you're just trying to wait until all this is sorted? Yeah.","start_word":1960,"end_word":2016,"intents":[{"intent":"Calculate budget","confidence_score":0.012154518},{"intent":"Determine goals","confidence_score":0.12531036}]},{"text":"Just trying to line until it's sold. Yeah.","start_word":2017,"end_word":2024,"intents":[{"intent":"Sell items","confidence_score":0.000027725126}]},{"text":"how much can you salary sacrifice to your supervisor?","start_word":2098,"end_word":2106,"intents":[{"intent":"Check salary sacrifice amount","confidence_score":0.00011145178},{"intent":"Determine supervisor's salary","confidence_score":0.08933856}]},{"text":"And what I'm aiming to do is consolidate the Russell Super, make sure you've got the good performance, the good fees, and see if I can get the insurance premiums down a little bit. Okay. Cool.","start_word":2265,"end_word":2300,"intents":[{"intent":"Consolidate and manage the rors super","confidence_score":0.0000783966}]},{"text":"I'll send that email through to you today. If you could please have a look, give us a sign if you're comfortable with it, and then in couple of weeks time, we'll get you booked in.","start_word":2323,"end_word":2358,"intents":[{"intent":"Send an updated email","confidence_score":0.030447032}]},{"text":"So we'll see when we can kind of grab you, and I'll just get some updated ID. I'm gonna send you a message to update the ID to certify for those beneficiary forms, and I'll get Michelle to post them out to you with an envelope. Okay.","start_word":2404,"end_word":2450,"intents":[{"intent":"Receive assistance with certify beneficiary forms","confidence_score":0.00004357684}]},{"text":"No problem.","start_word":2506,"end_word":2507,"intents":[{"intent":"Scheduling","confidence_score":0.000260823}]}]},"sentiments":{"segments":[{"text":"Hello? Good morning, mister Russell. It's Tommy here from Oakview, mate, one of the senior advisers. How are you doing? Yeah. Not too bad. Good. Mate, I've got you booked in for a little bit of catch up. Just wondering if you've got a bit of time for me this morning. Roughly how long one would take? Oh, about fifteen minutes, maybe twenty max. Yeah. Two. No worries.","start_word":0,"end_word":67,"sentiment":"neutral","sentiment_score":0.12743544578552246},{"text":"Beautiful. Beautiful.","start_word":68,"end_word":69,"sentiment":"positive","sentiment_score":0.529617428779602},{"text":"Now before I get stuck into it, I'm just reviewing a few strategies we've been sort of building for you, and I just need to confirm security. So I'm registered with Advise at 1273105. Could I please get your date of birth and address, Yeah. After February, 97934 Kinston Street, Trenton Southwest 4033. sir?","start_word":70,"end_word":123,"sentiment":"neutral","sentiment_score":0.027732469141483307},{"text":"Amazing. Thank you for that, mate.","start_word":124,"end_word":129,"sentiment":"positive","sentiment_score":0.5905812382698059},{"text":"And you okay for the call to be recorded? Yeah. That's alright.","start_word":130,"end_word":141,"sentiment":"neutral","sentiment_score":0.17808544635772705},{"text":"Perfect. Perfect.","start_word":142,"end_word":143,"sentiment":"positive","sentiment_score":0.5183647274971008},{"text":"Now, Russell, I've gone through your file's actually been escalated to me as a senior adviser. We were doing a whole bunch of different strategies and ideas, and there's been a few changes on your account. And so, basically, what I wanted to do today is just kind of recap where everything's currently sitting, what I'm looking to do, get just a little bit of an update of info from you, and then I should be good to go and sort a few things out for you if that's alright. Uh-huh. Beauty. Now your super fund. So you've got the Netwealth and the Russell. And with your Netwealth account, so it was sitting at 247,000. It's it's sitting at $257,000 now. And one of the things that we did was towards the beginning of the year, one of the investment options was going into the negative when the war in Iran kicked off, and it kind of wasn't keeping up with the Australian stock market, if that makes sense.","start_word":144,"end_word":312,"sentiment":"neutral","sentiment_score":-0.04681449010968208},{"text":"They kind of made a bit of a bad investment overseas, and No. that kind of caused it to start going down.","start_word":313,"end_word":334,"sentiment":"negative","sentiment_score":-0.4377661943435669},{"text":"Now what we ended up doing is just across our investment committee, we reviewed that fund manager, which is called Benelon. And we found that there was a few issues with the guys leaving that fund, and we didn't believe that it was gonna catch back up again. So what we did was we switched it out of your super fund for an option that's a lot lower fees, lot better performance.","start_word":335,"end_word":406,"sentiment":"neutral","sentiment_score":0.016462495550513268},{"text":"So every option that you've got in there now has gone back into the positive, and they're all growing pretty, pretty well.","start_word":407,"end_word":428,"sentiment":"positive","sentiment_score":0.6303756237030029},{"text":"Now do you remember getting any emails from us in March for it would have been called a record of advice. Did you end up seeing that one? I'm not sure. Well, I don't hear hell of a lot from these actually, but Yeah. I saw on our old system that we're trying to get you booked in to go through a few things, but I think we were just missing you on the on the right days to call you.","start_word":429,"end_word":509,"sentiment":"neutral","sentiment_score":-0.03778817132115364},{"text":"So which is why I'm really glad that I've got you this morning Yeah.","start_word":510,"end_word":523,"sentiment":"positive","sentiment_score":0.4892488718032837},{"text":"because I wanted to do a consolidation of that Russell Superfund. And you'd gone through some insurance information with my colleague, Kyle, just to get, like, the premiums down because your insurance premiums have been going up quite a lot. Does that ring a bell? No. Oh, yeah. That was. Yeah. Yeah. So I'm having a look at it at the moment.","start_word":524,"end_word":585,"sentiment":"neutral","sentiment_score":0.10571323335170746},{"text":"So the the Netwealth's looking really good.","start_word":586,"end_word":592,"sentiment":"positive","sentiment_score":0.3979898393154144},{"text":"Just quickly on your Netwealth super, it's in a high growth super fund. So it's most of your money is in shares, property, and gold to try and get you those high long term returns. I do note that you've got about twelve years until you can access your super. So, normally, we keep people in that high growth stage until you've got less than ten years to go, and then we can kind of slowly reduce the risk and and protect it once it's built up. So I just wanted to double check with you. Are you okay with that idea of just trying to get as much returns as possible while you've still got some time under your belt? Cool. So because that Russell Superfund doesn't have any insurances attached to it, I can get that consolidated into the new portfolio that we built within the Netwealth. And I'm basically gonna put together a document for you that just shows you the differences in the performance and fees and projections just to make sure you're happy before I touch anything. Is that okay?","start_word":593,"end_word":777,"sentiment":"neutral","sentiment_score":0.23822233080863953},{"text":"Beautiful.","start_word":778,"end_word":778,"sentiment":"positive","sentiment_score":0.6758999824523926},{"text":"Now the last two things I wanted to go over sorry. Three things. Beneficiaries, your insurances, and just a couple of details to update, and then I should be pretty well sweet. In terms of the beneficiaries here, I've just got them open in front of me. You've already got them in place, and it's split three ways. You've got it between Sarah, India, and Ruby. That's for the change now on separator. Okay. So do you want me to take down who you would like to put on there, and I can get some forms sent out to you? Yeah. And then raise it. And just split it between them fifty fifty or Yeah. Yep. yep. Fifty fifty. You already had it as a binding, non lapsing. So, like, it's legally binding, and it just continues on until you change it. So I can basically just get those details, prefill them in there for you, and then you just gotta get them witness and get sent back to us. Would Oh, I it be forget easier for I'm with yeah. Legal sorry. Legal agreements like wills and things like that, you're just gonna get two people that aren't the beneficiaries to witness your signature. Now I can get it emailed out for you if you've got a printer, but if it's easier, I can just get it posted out with a return envelope if that helps. Yes. It's still positive. I don't think. Yep. Post an envelope.","start_word":779,"end_word":1026,"sentiment":"neutral","sentiment_score":0.13449136912822723},{"text":"Easy done.","start_word":1027,"end_word":1028,"sentiment":"positive","sentiment_score":0.3665250241756439},{"text":"And do you want that to reflect the same on the life insurance? Oh, Russell, have I still got you there, mate? Yeah. You did. Just turned Sorry. out Just the answer. no worries. Just wanted to double check the life insurance. You wanna have it the same split on that the same as the super. Yeah. You know how to do it. Yep.","start_word":1029,"end_word":1092,"sentiment":"neutral","sentiment_score":0.06771041289903224},{"text":"Cool. Easy done. That's all good.","start_word":1093,"end_word":1098,"sentiment":"positive","sentiment_score":0.7405688762664795},{"text":"And just the last couple of things. So in terms of the insurances, let me just walk you through where they're sitting at. And I just wanna update your your income and your assets, and then I can get those altered as well. So I'm looking at life TPD income protection. Do you remember those three policies you've got? Life TPD and income protection? Not really. K. No. So Don't. you've got life insurance of 687,000. That's coming out of the super. It's a couple of grand a year for that one. And it pretty much clears we had your mortgage at about $500. What's that sitting out at the moment, or has that changed? Yeah. It's about $400 of the line. Yep. $500 at the moment. Yeah. We're selling that property down there. Yeah. We got a lot. Alright. So selling, going your own way, and then you're just gonna get another property with a bit higher loan on it? Or No. I'm getting a different property as well. cool. Alright. So do you want me to leave the 687,000 worth of life in total disability insurance at those amounts for the time being until you do that? Yeah. Yeah. Of course. Perfect. I'm just gonna quickly research and see if there's any other providers that are offering the same cover for a cheaper price. And if there is, Yeah. I'd like to kind of get the premiums down for you. Cool. Last two things here just in terms of Okay. the income protection. So I had your income at about a 140,000, heavy machine operator. Still about the same with Carol BP? Yeah. I am. Yeah. Perfect. Now Yeah. the income protection is the one that I'm sort of a bit more worried about. Having a look at it here, we've got 5,740 a month worth of cover, and that's protecting an income of a $100. Thirty day waiting period. So if you're out for a month, it kicks in and gives you an income for up to five years. But the premiums are about $4.5 a year for that one. So I also wanna just see if there's someone who can offer it for a bit of a cheaper price for the same one, if that's okay. K. Do you want me to change the the amount that you're covered for or just kind of leave that the same for the time being?","start_word":1099,"end_word":1504,"sentiment":"neutral","sentiment_score":0.04694846365600824},{"text":"I'm not ready for the phone bank.","start_word":1505,"end_word":1511,"sentiment":"negative","sentiment_score":-0.3617122769355774},{"text":"Cool. And the last one was, like, the trauma insurance. You basically were saying, look, there's no point getting extra out of pocket insurances for heart attack, stroke, and cancer because you've got enough things that you're trying to do with your cash flow. Is that right? Cool. Yep. Yep. So I've got the occupation. That's all sorted. We had about $25 in savings. You didn't get a a will in place, did you? No. No. I got my solicitor is advising me. Cool. Yep. Alright. So deal with the estate planning. Let the solicitor handle that kind of thing.","start_word":1512,"end_word":1611,"sentiment":"neutral","sentiment_score":0.08333030343055725},{"text":"Perfect.","start_word":1612,"end_word":1612,"sentiment":"positive","sentiment_score":0.3826209902763366},{"text":"Now with the separation, is anything gonna happen to the super at this point? Do you know? Okay. Don't know. Don't know. I've got I've got another place. It approached me to do a self management. Yeah. Those are is that to buy a property? No. I don't think it's the boss opening. Yeah. Normally, people set up the self managed ones. I do a few of them just so you can buy, like, an investment property through your super kind of thing. Outside of those, there's not much to do with self managed super funds. Like, you can invest in all the same things you can do through a Netwealth or a hub or or someone like that. Right. Cost a little bit to set up those things, but the government banned the property side of things at the start of this month so people can't buy the properties anymore through their super. Yep. Okay? And the other thing too is that's why I was checking with the the super as part of the separation is we've got some discounts that we're applying to our clients. So we haven't been charging any any fees, just waiting to get in contact with you. So we've had them turned off just to make sure that we don't charge you anything unless we're doing something for you. But we do have some discounts for everybody above 200,000. So what I wanna do is quickly do is let you know that above 200,000, the percentage drops from 1.65 down to 1.3. And once we get you above 0.5 a mil, it goes down again to 1.1. So the only difference is it's like a it's a flat fee. We basically just lock it in for twelve months, but there are those discounts based on your balance. So just wanted to quickly run that by you before I sent through any consent form so we can still be advisers on the Netwealth. Are you okay with that idea of the the discounted tiered fees, but it's flat? Nope. Cool. Yep.","start_word":1613,"end_word":1958,"sentiment":"neutral","sentiment_score":0.0395545144646154},{"text":"Alrighty.","start_word":1959,"end_word":1959,"sentiment":"positive","sentiment_score":0.3501957654953003},{"text":"Now the other last thing, and then I can basically let you go, is just in terms of goals, mate, is there anything else that I need to factor in that you're up to for the next twelve months, few years that have changed now, or you're just trying to wait until all this is sorted? Yeah. Just trying to line until it's sold. Yeah. So I'm not gonna ask you to start doing salary sacrificing to soup or anything like that because you've got enough on the plate, and you don't really know where it's gonna land at this point. Yeah. Well, I did it one over the timeline. I'm not gonna reduce my taxable Income income. for that. So Yeah. yeah. Absolutely. So get the home Hi. loan Yeah. first. I'm all about to. How Yeah. how much can you salary sacrifice to your supervisor? So they've increased it to 32,500, but it includes what your employer's putting in. So sort the property out first, but, basically, if you're on a 140 grands, they're putting in around 16,800, and you've got another 15,000 to go, which is about $280 a week is the maximum I would do at some point. No. Okay. Cool. So I'll keep that in No. the background, but, basically, probably best checking that in maybe twelve months time, if that's okay. Yeah.","start_word":1960,"end_word":2187,"sentiment":"neutral","sentiment_score":-0.005920687290071918},{"text":"That'd be good. Cool.","start_word":2188,"end_word":2191,"sentiment":"positive","sentiment_score":0.4343115389347077},{"text":"So what I'll do from here, Russell, any questions for me so far? No. Awesome. So what I'm gonna do is I'm just gonna send through a bit of an updated pack for you for the I guess, like, a review pack. I'm gonna include the discounts tiered fee structure for you. And then, basically, in a couple of weeks' time, I'm just gonna get you booked in to go through this document.","start_word":2192,"end_word":2264,"sentiment":"neutral","sentiment_score":0.2505974769592285},{"text":"And what I'm aiming to do is consolidate the Russell Super, make sure you've got the good performance, the good fees, and see if I can get the insurance premiums down a little bit.","start_word":2265,"end_word":2298,"sentiment":"positive","sentiment_score":0.34371718764305115},{"text":"Okay. Cool. Anything else that No you feel worries. like I can kind of give you advice on at this point? No. Cool. Alrighty. I'll send that email through to you today. If you could please have a look, give us a sign if you're comfortable with it, and then in couple of weeks time, we'll get you booked in. Do you have any movements in terms of flying out for work or anything that I need to let the team know? Just once a month for the road shift. Once a once a month for the road shift. Yep. Switches around a little bit. So we'll see when we can kind of grab you, and I'll just get some updated ID. I'm gonna send you a message to update the ID to certify for those beneficiary forms, and I'll get Michelle to post them out to you with an envelope. Okay.","start_word":2299,"end_word":2450,"sentiment":"neutral","sentiment_score":0.14325687289237976},{"text":"Beauty, mate. We've just hit fifteen minutes on the dot, so I do appreciate you taking the time today.","start_word":2451,"end_word":2469,"sentiment":"positive","sentiment_score":0.5559788942337036},{"text":"If you need anything else from us, just give us a buzz, but I'll be in touch with you in a couple of Okay.","start_word":2470,"end_word":2493,"sentiment":"neutral","sentiment_score":0.1333726942539215},{"text":"No worries. Awesome, Thank you. Russell. Have a fantastic day, mate. Cheers. No problem.","start_word":2494,"end_word":2507,"sentiment":"positive","sentiment_score":0.7184584736824036}],"average":{"sentiment":"neutral","sentiment_score":0.09510180586288192}}}}