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I know. Porma would be rough. I know the traffic was horrendous. No. No. Not at all. I've got your updated statement of advice ready to go if you've got a few minutes for me today. Perfect. I'm gonna send this off to your email address, but I'll just do the quick security check with you. So could I please confirm your date of birth and address, please? Sensational. And all calls are recorded for training and quality purposes, and I'm registered with ASIC as adviser one two seven three one zero five. Now, Lynn, I've got your is it purses dot com dot a u email address? Pierce's. Sorry. Will you be able to look onto the document with me today? K. Alright. So I'll hit it now. It's usually pretty instant. And because you've already gone through Odoo documents with us before, it should come through pretty quickly, and it should come through as a signature request from Odoo. Now when you get that email, there's a number of attachments at the bottom, and then there's a a link to go through, like, signing if you're happy with the plan. So I just want you to go through the attachments with me first. Perfect. So the one that I wanna go through is not the quote just yet because I'm gonna refresh that one because they've got, like, a a thirty day expiry on them. So I'm gonna send you an updated one tomorrow so that you've got a full full thirty days for that not to expire. The one that I'm looking for is statement of advice. Yep. So if you can pop that open for me, you should see the nice beachfront city picture with my license details at the front, little Gold Coast picture for you. Cool. So as always with these statements of advice, if you can scroll through to page four where it's got the scope of advice. I'm just gonna go through what we're doing and why. We'll go through the recommendations, make sure you're comfortable, see if anything's changed. So the main thing when it comes to the super is we had a bit of an updated chat, and you were still looking to reduce your risk level down on your super and just update a few of the investments to make sure it's running nice and smooth. K? Insurance wise, do you remember we were going through a bit of a reduction to trim your premiums down? Yep. And then we've included just a couple of usual reminders for estate planning just in terms of, like, wills and power of attorneys and beneficiary nominations, which we I believe we've sent out to you. They should come through the old snail mail, so that might take a couple more days. Cool. No. That's alright. If you have any trouble with those documents, just call the team. We can walk you through them in about two minutes flat. K. If you go down past that, you've got the scope of advice that we're not giving advice on in this document. And what you should see, it should be page five and six, and it should list, like, budgeting, savings, debt, areas of advice. So what we're basically saying is we're focusing on the super and the insurance today. We're not giving you, like, budgeting advice or anything like that, but we have listed down your goals. Yep. Perfect. If you go past there, you've got can you go through to pages seven and eight? You've got the about you section and your assets and liabilities. Yep. Sensational. And if you go past that, we've got your current super. I've updated the figures there and your AIA insurance policy. And if you keep scrolling through with me, you've got your first policy through Super, and that's the one that we were talking about. It was, like, $12,000, 10,000 after the rebate. That's problem number one. And then your trauma, which was a little bit high, for the out of pocket premiums as well. Yep. And then the one after that on the next page is is called crisis recovery, but that's your trauma cover for heart attack, stroke, and cancer, and some protection there for Samuel and Sarah. I'll actually have to double check. I thought it may have been 18, but it may convert over with some providers. Cool. Can I just quickly note down the ranges just so I can double check that in the background? Yep. Oh, perfect. Okay. So 14 birthdays in February, 16 birthdays in August. So we got a little bit of time there, but I will obviously keep an eye on that portion of the premiums too because it's not too much in terms of the overall policy, but it's something to keep an eye on as well. So I'll put a note there for that. Okay. So if you go past there, you'll get to your risk profile section. And this is where we were talking about going down from high growth to growth just to kind of pair back the risk level one peg. And if you go past there, you've got this one's a bit wording heavy, so I'll kinda summarize it for you, the strategy recommendations on thirteen and fourteen. So, basically, what we're doing is if you reduce your asset allocation from 90% shares property and gold, which is your growth risky assets, down to 80%, that puts you from a high growth to a growth risk level. On top of that, we've switched a few of the investments around to include a bit more on the lower fee passive options. So a bit better performance, bit lower investment fees. And the drawback of all of this is that if you reduce your growth assets down, you may get a slightly lower return long term for that risk trade off. K? The only other thing too is all the investments that you've got in your super, they're ETFs. So we do brokerage where you pay a small amount to purchase them, and then ongoing from that point, they're kind of the lowest investment fees you can have. Yep. Now we factored that into the projections and everything. Can you please go down to pages fifteen and sixteen? There's a ginormous investment table with a whole bunch of red figures and investment codes. K? So what I'm basically doing is the top one, which is your Benelong option, which was the the biggest drag on performance, that was sitting at 30% of your portfolio. We're replacing that with an option on the next page, the a 200, which is passive. It's gonna be half the amount allocated there, split between a couple of different options, and altogether, we're just updating the whole portfolio. Because, basically, with the losses from the Benelon, we're able to update all the other options and pretty much wipe out any capital gains tax issues under the hood of your super that you would normally get by switching investments regularly. So it kind of gives us an opportunity to use the loss to offset the gains from the ones that did really well and still update those without you having a bit of a 15% chop off on tax. So it's a bit of a handy strategy when it comes to your your hub super that we have full control of buying and selling investments when we do them and in what order because most other super funds, it's all just pulled in with everybody, and you've got no ability to influence that outcome. K? The main two pages three pages, sorry, to look at will be seventeen, eighteen, and 19, which you will see a nice pretty colored pie chart there for your asset allocation. Can you just have a quick look in the middle of that table? Middle row, you've got a growth total, kind of a gray bar, and it should go from 80%, 80% across that row. So, basically, your risk profile, you need about 80%. You're sitting at 90. We're trimming you down to 81, so to speak. Yep. Now that'll influence the fluctuations by about 5%. So if there was a bad year where your super may go down twenty, twenty five percent, it may only go down 15 or 16 in proportion. K? Beyond that, you've got fee comparison below that, and it's a blue and gray table, current, recommended, and a difference on the right hand column. Can you make out those figures at all? Is it blurry? Can you can you read them? Perfect. So, basically, what's happening is the investment fees, it chops about two thirds of the investment fees off. The account stays the same, but the investment fees drop dramatically. And then we're also gonna trim off 1,300 in insurance premiums after the tax rebate, and that's not including the trim off for your out of pocket trauma policy. Yeah. Improving the returns just really gets it back up to the right average because like I said, growth and high growth, you wanna be hitting that nine to 10% average. And, unfortunately, with that one option pulling you down, it dropped you back to single digits. So this will get you back up into that kind of double digit zone that we want you in. Next page, we got the projected balance, which it should impact things by about 30 to $50 and give you a lot more consistency over a year, three years, five years, ten years. Any questions on the super side of things so far? Yeah. Yeah. That'll kinda get things going a lot better. And one of the problems that we had too is just with the premiums being so high, it was really with low returns really pulling us over backwards. So if I trim it down, improve the returns, you're going back into the positive. And, like, we can't get you a million dollars in a year or two, but at least we can start getting it back up there towards the 6 figures. Yeah. Cool. Last couple of things. So the insurance on the next section, I do apologize for the wordiness of the next two pages and the really giant table. You just have so many policies. It all interacts quite a lot. Basically, we're keeping the million and 85,000 of life and disability insurance as it is, but we were trimming down your income protection so that it was a bit more in line with 75% of your income. Yeah. So you're not paying over insured, paying more than what you claim on. And the good thing about this policy is because it was old, it kept it at a 75% maximum. Anything new is 70% maximum. So you get a little bit extra to yourself that you can cover yourself for. Yeah. And if we need to, we can push that out to 60 in ninety days. I don't know if AIA does sixty, but if the premiums jump up significantly next year, we can push that out if you've got the savings and leave behind you. But for now, we just thought trim it down for the time being. K. Trauma is going down to a 100,000 flat from a 100 and 66,000, which is just, again, heart attack, stroke, cancer, organ failures, and a whole bunch of different medical conditions like bacterial meningitis, Crohn's disease, hemochromatosis, all the real fancy Latin names. That is your 100,000 lump sum to help with taking a bit of time off work, going private if you wanna pay for, you know, faster care or better care, and then, again, 16,000 for the children for similar conditions. Yeah. Correct. So that's the one out of pocket, which I believe you're paying, like, 200 and, actually yeah. I had that noted down on the table. Yeah. Yearly premiums go down about 2,700 between both policies. But, yeah, it was about $2.40. It was quite a bit. So the snail mail is the beneficiaries. I'm going to send you the fresh alteration quote and alteration form with the same system tomorrow. I think we get the quote tomorrow. And then I just need you to sign that. I can get that submitted this week, and they will start doing trim downs, refunds, all that kind of thing. Yep. Done. When you sign this statement of advice, we can switch your investments pretty well straight away, But it's just those two extra documents for the insurance, and then, yeah, we submit it. We follow it up, and it just happens in the background for you. Correct. I don't remember when your billing date is for the trauma, though. I'm just having a look at your certificate of currency. Actually, let me grab that for you just so you know when the reduced one's coming out because, obviously, it still will debit out. And we've obviously redisclosed things like the fees, the commissions, all that kind of thing for the insurance policy and the super. I have included from the annual review discussion that we did the service agreement with Oakview as well if you're still comfortable with the strategies, the services, and all that kind of thing. Cool. Expiry. Yeah. We'll have to get back to you on your trauma debit. I do apologize. I thought I could have it. So I've got your life, your TPD, income protection. Also, something just come out. Yeah. Okay. So it is about that sort of $90,100 difference. Cool. Okay. That'll be lined up for the June premium, which will be good. Alright. So between the super, the insurance, and the just updating your beneficiaries to your spouse, do you have any questions for me, Lynn? Yeah. And when we send through the AIA documents tomorrow for the trim down, Normally, they're pretty okay with stamping the signatures on there, but just to be safe, when you go through and click the purple buttons and it stamps your signature on, if you can just click on it, it'll do a pop up box and let you draw your signature so it matches your ID. Oh, wow. Super organized. Okay. Yeah. Oh, heaps of paperwork. Yeah. I don't wanna go through that. Right. The banks were oh, Yes. Yeah. And I'm assuming if you don't do those properly, like, how long how long does it take to to sort that out? Oh, jeez. Yeah. You'd rather that being done in a week or two. Yeah. Alright. So what we're doing is easy then. It's just stamp it on. Oh, yep. Keep a very close eye on all the i's and the t's and everything. Yeah. That's unfortunate. Yep. Perfect. Thank you so much for that, and thank you for spending the time with me today to go through that. Yeah. And then I'll send you a text message once we send it off to you just so you've got a heads up. Yeah. Yeah. I'll double check on that. And, again, when you receive it, any questions, just call through. Awesome, Lynn. You have a fantastic day, and I shall talk to you soon. Thank you. 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Oakview Financial. Good afternoon, Lynn. It's Tommy here again from Oakview. How have you been? I'm living the dream.\n\nIt's a beautiful rainy day on the Gold Coast. What about your end? I know. Porma would be rough. I know the traffic was horrendous.\n\nNo. No. Not at all. I've got your updated statement of advice ready to go if you've got a few minutes for me today. Perfect.\n\nI'm gonna send this off to your email address, but I'll just do the quick security check with you. So could I please confirm your date of birth and address, please? Sensational. And all calls are recorded for training and quality purposes, and I'm registered with ASIC as adviser one two seven three one zero five. Now, Lynn, I've got your is it purses dot com dot a u email address?\n\nPierce's. Sorry. Will you be able to look onto the document with me today? K. Alright.\n\nSo I'll hit it now. It's usually pretty instant. And because you've already gone through Odoo documents with us before, it should come through pretty quickly, and it should come through as a signature request from Odoo. Now when you get that email, there's a number of attachments at the bottom, and then there's a a link to go through, like, signing if you're happy with the plan. So I just want you to go through the attachments with me first.\n\nPerfect. So the one that I wanna go through is not the quote just yet because I'm gonna refresh that one because they've got, like, a a thirty day expiry on them. So I'm gonna send you an updated one tomorrow so that you've got a full full thirty days for that not to expire. The one that I'm looking for is statement of advice. Yep.\n\nSo if you can pop that open for me, you should see the nice beachfront city picture with my license details at the front, little Gold Coast picture for you. Cool. So as always with these statements of advice, if you can scroll through to page four where it's got the scope of advice. I'm just gonna go through what we're doing and why. We'll go through the recommendations, make sure you're comfortable, see if anything's changed.\n\nSo the main thing when it comes to the super is we had a bit of an updated chat, and you were still looking to reduce your risk level down on your super and just update a few of the investments to make sure it's running nice and smooth. K? Insurance wise, do you remember we were going through a bit of a reduction to trim your premiums down? Yep. And then we've included just a couple of usual reminders for estate planning just in terms of, like, wills and power of attorneys and beneficiary nominations, which we I believe we've sent out to you.\n\nThey should come through the old snail mail, so that might take a couple more days. Cool. No. That's alright. If you have any trouble with those documents, just call the team.\n\nWe can walk you through them in about two minutes flat. K. If you go down past that, you've got the scope of advice that we're not giving advice on in this document. And what you should see, it should be page five and six, and it should list, like, budgeting, savings, debt, areas of advice. So what we're basically saying is we're focusing on the super and the insurance today.\n\nWe're not giving you, like, budgeting advice or anything like that, but we have listed down your goals. Yep. Perfect. If you go past there, you've got can you go through to pages seven and eight? You've got the about you section and your assets and liabilities.\n\nYep. Sensational. And if you go past that, we've got your current super. I've updated the figures there and your AIA insurance policy. And if you keep scrolling through with me, you've got your first policy through Super, and that's the one that we were talking about.\n\nIt was, like, $12,000, 10,000 after the rebate. That's problem number one. And then your trauma, which was a little bit high, for the out of pocket premiums as well. Yep. And then the one after that on the next page is is called crisis recovery, but that's your trauma cover for heart attack, stroke, and cancer, and some protection there for Samuel and Sarah.\n\nI'll actually have to double check. I thought it may have been 18, but it may convert over with some providers. Cool. Can I just quickly note down the ranges just so I can double check that in the background? Yep.\n\nOh, perfect. Okay. So 14 birthdays in February, 16 birthdays in August. So we got a little bit of time there, but I will obviously keep an eye on that portion of the premiums too because it's not too much in terms of the overall policy, but it's something to keep an eye on as well. So I'll put a note there for that.\n\nOkay. So if you go past there, you'll get to your risk profile section. And this is where we were talking about going down from high growth to growth just to kind of pair back the risk level one peg. And if you go past there, you've got this one's a bit wording heavy, so I'll kinda summarize it for you, the strategy recommendations on thirteen and fourteen. So, basically, what we're doing is if you reduce your asset allocation from 90% shares property and gold, which is your growth risky assets, down to 80%, that puts you from a high growth to a growth risk level.\n\nOn top of that, we've switched a few of the investments around to include a bit more on the lower fee passive options. So a bit better performance, bit lower investment fees. And the drawback of all of this is that if you reduce your growth assets down, you may get a slightly lower return long term for that risk trade off. K? The only other thing too is all the investments that you've got in your super, they're ETFs.\n\nSo we do brokerage where you pay a small amount to purchase them, and then ongoing from that point, they're kind of the lowest investment fees you can have. Yep. Now we factored that into the projections and everything. Can you please go down to pages fifteen and sixteen? There's a ginormous investment table with a whole bunch of red figures and investment codes.\n\nK? So what I'm basically doing is the top one, which is your Benelong option, which was the the biggest drag on performance, that was sitting at 30% of your portfolio. We're replacing that with an option on the next page, the a 200, which is passive. It's gonna be half the amount allocated there, split between a couple of different options, and altogether, we're just updating the whole portfolio. Because, basically, with the losses from the Benelon, we're able to update all the other options and pretty much wipe out any capital gains tax issues under the hood of your super that you would normally get by switching investments regularly.\n\nSo it kind of gives us an opportunity to use the loss to offset the gains from the ones that did really well and still update those without you having a bit of a 15% chop off on tax. So it's a bit of a handy strategy when it comes to your your hub super that we have full control of buying and selling investments when we do them and in what order because most other super funds, it's all just pulled in with everybody, and you've got no ability to influence that outcome. K? The main two pages three pages, sorry, to look at will be seventeen, eighteen, and 19, which you will see a nice pretty colored pie chart there for your asset allocation. Can you just have a quick look in the middle of that table?\n\nMiddle row, you've got a growth total, kind of a gray bar, and it should go from 80%, 80% across that row. So, basically, your risk profile, you need about 80%. You're sitting at 90. We're trimming you down to 81, so to speak. Yep.\n\nNow that'll influence the fluctuations by about 5%. So if there was a bad year where your super may go down twenty, twenty five percent, it may only go down 15 or 16 in proportion. K? Beyond that, you've got fee comparison below that, and it's a blue and gray table, current, recommended, and a difference on the right hand column. Can you make out those figures at all?\n\nIs it blurry? Can you can you read them? Perfect. So, basically, what's happening is the investment fees, it chops about two thirds of the investment fees off. The account stays the same, but the investment fees drop dramatically.\n\nAnd then we're also gonna trim off 1,300 in insurance premiums after the tax rebate, and that's not including the trim off for your out of pocket trauma policy. Yeah. Improving the returns just really gets it back up to the right average because like I said, growth and high growth, you wanna be hitting that nine to 10% average. And, unfortunately, with that one option pulling you down, it dropped you back to single digits. So this will get you back up into that kind of double digit zone that we want you in.\n\nNext page, we got the projected balance, which it should impact things by about 30 to $50 and give you a lot more consistency over a year, three years, five years, ten years. Any questions on the super side of things so far? Yeah. Yeah. That'll kinda get things going a lot better.\n\nAnd one of the problems that we had too is just with the premiums being so high, it was really with low returns really pulling us over backwards. So if I trim it down, improve the returns, you're going back into the positive. And, like, we can't get you a million dollars in a year or two, but at least we can start getting it back up there towards the 6 figures. Yeah. Cool.\n\nLast couple of things. So the insurance on the next section, I do apologize for the wordiness of the next two pages and the really giant table. You just have so many policies. It all interacts quite a lot. Basically, we're keeping the million and 85,000 of life and disability insurance as it is, but we were trimming down your income protection so that it was a bit more in line with 75% of your income.\n\nYeah. So you're not paying over insured, paying more than what you claim on. And the good thing about this policy is because it was old, it kept it at a 75% maximum. Anything new is 70% maximum. So you get a little bit extra to yourself that you can cover yourself for.\n\nYeah. And if we need to, we can push that out to 60 in ninety days. I don't know if AIA does sixty, but if the premiums jump up significantly next year, we can push that out if you've got the savings and leave behind you. But for now, we just thought trim it down for the time being. K.\n\nTrauma is going down to a 100,000 flat from a 100 and 66,000, which is just, again, heart attack, stroke, cancer, organ failures, and a whole bunch of different medical conditions like bacterial meningitis, Crohn's disease, hemochromatosis, all the real fancy Latin names. That is your 100,000 lump sum to help with taking a bit of time off work, going private if you wanna pay for, you know, faster care or better care, and then, again, 16,000 for the children for similar conditions. Yeah. Correct. So that's the one out of pocket, which I believe you're paying, like, 200 and, actually yeah.\n\nI had that noted down on the table. Yeah. Yearly premiums go down about 2,700 between both policies. But, yeah, it was about $2.40. It was quite a bit.\n\nSo the snail mail is the beneficiaries. I'm going to send you the fresh alteration quote and alteration form with the same system tomorrow. I think we get the quote tomorrow. And then I just need you to sign that. I can get that submitted this week, and they will start doing trim downs, refunds, all that kind of thing.\n\nYep. Done. When you sign this statement of advice, we can switch your investments pretty well straight away, But it's just those two extra documents for the insurance, and then, yeah, we submit it. We follow it up, and it just happens in the background for you. Correct.\n\nI don't remember when your billing date is for the trauma, though. I'm just having a look at your certificate of currency. Actually, let me grab that for you just so you know when the reduced one's coming out because, obviously, it still will debit out. And we've obviously redisclosed things like the fees, the commissions, all that kind of thing for the insurance policy and the super. I have included from the annual review discussion that we did the service agreement with Oakview as well if you're still comfortable with the strategies, the services, and all that kind of thing.\n\nCool. Expiry. Yeah. We'll have to get back to you on your trauma debit. I do apologize.\n\nI thought I could have it. So I've got your life, your TPD, income protection. Also, something just come out. Yeah. Okay.\n\nSo it is about that sort of $90,100 difference. Cool. Okay. That'll be lined up for the June premium, which will be good. Alright.\n\nSo between the super, the insurance, and the just updating your beneficiaries to your spouse, do you have any questions for me, Lynn? Yeah. And when we send through the AIA documents tomorrow for the trim down, Normally, they're pretty okay with stamping the signatures on there, but just to be safe, when you go through and click the purple buttons and it stamps your signature on, if you can just click on it, it'll do a pop up box and let you draw your signature so it matches your ID. Oh, wow. Super organized.\n\nOkay. Yeah. Oh, heaps of paperwork. Yeah. I don't wanna go through that.\n\nRight. The banks were oh, Yes. Yeah. And I'm assuming if you don't do those properly, like, how long how long does it take to to sort that out? Oh, jeez.\n\nYeah. You'd rather that being done in a week or two. Yeah. Alright. So what we're doing is easy then.\n\nIt's just stamp it on. Oh, yep. Keep a very close eye on all the i's and the t's and everything. Yeah. That's unfortunate.\n\nYep. Perfect. Thank you so much for that, and thank you for spending the time with me today to go through that. Yeah. And then I'll send you a text message once we send it off to you just so you've got a heads up.\n\nYeah. Yeah. I'll double check on that. And, again, when you receive it, any questions, just call through. Awesome, Lynn.\n\nYou have a fantastic day, and I shall talk to you soon. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Tommy, Oakview Financial.","start":6.08,"end":7.7799997,"sentiment":"neutral","sentiment_score":0.03667947401603063},{"text":"Good afternoon, Lynn.","start":19.455,"end":20.335,"sentiment":"neutral","sentiment_score":0.3255957067012787},{"text":"It's Tommy here again from Oakview.","start":20.335,"end":22.015,"sentiment":"neutral","sentiment_score":0.1933886061112086},{"text":"How have you been?","start":22.015,"end":22.915,"sentiment":"neutral","sentiment_score":0.1811392344534397},{"text":"I'm living the dream.","start":24.75,"end":25.630001,"sentiment":"positive","sentiment_score":0.5761670768260956}],"sentiment":"neutral","sentiment_score":0.263819121196866,"num_words":20,"start":6.08,"end":25.630001},{"sentences":[{"text":"It's a beautiful rainy day on the Gold Coast.","start":25.630001,"end":27.79,"sentiment":"positive","sentiment_score":0.502861221631368},{"text":"What about your end?","start":27.79,"end":28.85,"sentiment":"neutral","sentiment_score":0.0680535351857543},{"text":"I know.","start":31.39,"end":32.13,"sentiment":"neutral","sentiment_score":-0.1282305084168911},{"text":"Porma would be rough.","start":32.43,"end":33.39,"sentiment":"negative","sentiment_score":-0.5909638106822968},{"text":"I know the traffic was horrendous.","start":33.39,"end":34.85,"sentiment":"negative","sentiment_score":-0.6096123158931732}],"sentiment":"neutral","sentiment_score":-0.059201000779867174,"num_words":25,"start":25.630001,"end":34.85},{"sentences":[{"text":"No.","start":39.484997,"end":39.725,"sentiment":"neutral","sentiment_score":-0.3317319452762604},{"text":"No.","start":39.725,"end":39.964996,"sentiment":"neutral","sentiment_score":-0.3242604434490204},{"text":"Not at all.","start":39.964996,"end":40.864998,"sentiment":"neutral","sentiment_score":-0.31819020708401996},{"text":"I've got your updated statement of advice ready to go if you've got a few minutes for me today.","start":41.164997,"end":45.905,"sentiment":"neutral","sentiment_score":-0.00771467799418851},{"text":"Perfect.","start":47.164997,"end":47.664997,"sentiment":"positive","sentiment_score":0.41701021790504456}],"sentiment":"neutral","sentiment_score":-0.05360526695847511,"num_words":25,"start":39.484997,"end":47.664997},{"sentences":[{"text":"I'm gonna send this off to your email address, but I'll just do the quick security check with you.","start":47.885,"end":52.34,"sentiment":"neutral","sentiment_score":0.18232974566911397},{"text":"So could I please confirm your date of birth and address, please?","start":53.36,"end":57.379997,"sentiment":"neutral","sentiment_score":0.04405281382302443},{"text":"Sensational.","start":64.494995,"end":64.994995,"sentiment":"neutral","sentiment_score":0.04391820356249809},{"text":"And all calls are recorded for training and quality purposes, and I'm registered with ASIC as adviser one two seven three one zero five.","start":65.375,"end":72.435,"sentiment":"neutral","sentiment_score":0.02065361407585442},{"text":"Now, Lynn, I've got your is it purses dot com dot a u email address?","start":73.134995,"end":78.915,"sentiment":"neutral","sentiment_score":0.010954379538695018}],"sentiment":"neutral","sentiment_score":0.06615238828243504,"num_words":71,"start":47.885,"end":78.915},{"sentences":[{"text":"Pierce's.","start":80.47,"end":80.97,"sentiment":"neutral","sentiment_score":0.003975793719291687},{"text":"Sorry.","start":81.11,"end":81.61,"sentiment":"neutral","sentiment_score":-0.02545345202088356},{"text":"Will you be able to look onto the document with me today?","start":82.23,"end":84.81,"sentiment":"neutral","sentiment_score":0.030350765368590753},{"text":"K.","start":87.11,"end":87.61,"sentiment":"neutral","sentiment_score":0.005289621651172638},{"text":"Alright.","start":88.47,"end":88.79,"sentiment":"neutral","sentiment_score":0.1315615475177765}],"sentiment":"neutral","sentiment_score":0.029973918455652893,"num_words":16,"start":80.47,"end":88.79},{"sentences":[{"text":"So I'll hit it now.","start":88.79,"end":89.51,"sentiment":"neutral","sentiment_score":0.14610397219657897},{"text":"It's usually pretty instant.","start":89.51,"end":90.63,"sentiment":"neutral","sentiment_score":0.23618193343281746},{"text":"And because you've already gone through Odoo documents with us before, it should come through pretty quickly, and it should come through as a signature request from Odoo.","start":90.63,"end":100.495,"sentiment":"neutral","sentiment_score":0.1751752390659281},{"text":"Now when you get that email, there's a number of attachments at the bottom, and then there's a a link to go through, like, signing if you're happy with the plan.","start":103.515,"end":112.16,"sentiment":"neutral","sentiment_score":0.1829870922430869},{"text":"So I just want you to go through the attachments with me first.","start":112.22,"end":115.04,"sentiment":"neutral","sentiment_score":0.11735230741592553}],"sentiment":"neutral","sentiment_score":0.17010289067287504,"num_words":81,"start":88.79,"end":115.04},{"sentences":[{"text":"Perfect.","start":120.075005,"end":120.575005,"sentiment":"positive","sentiment_score":0.640900731086731},{"text":"So the one that I wanna go through is not the quote just yet because I'm gonna refresh that one because they've got, like, a a thirty day expiry on them.","start":123.275,"end":133.35,"sentiment":"neutral","sentiment_score":0.0342849658862237},{"text":"So I'm gonna send you an updated one tomorrow so that you've got a full full thirty days for that not to expire.","start":133.59001,"end":140.89,"sentiment":"neutral","sentiment_score":0.09907487844643385},{"text":"The one that I'm looking for is statement of advice.","start":141.35,"end":144.01001,"sentiment":"neutral","sentiment_score":0.019727719388902186},{"text":"Yep.","start":148.005,"end":148.32501,"sentiment":"neutral","sentiment_score":0.1858096420764923}],"sentiment":"neutral","sentiment_score":0.06614460172413876,"num_words":66,"start":120.075005,"end":148.32501},{"sentences":[{"text":"So if you can pop that open for me, you should see the nice beachfront city picture with my license details at the front, little Gold Coast picture for you.","start":148.32501,"end":157.83,"sentiment":"neutral","sentiment_score":0.2632892539103826},{"text":"Cool.","start":160.31,"end":160.81,"sentiment":"positive","sentiment_score":0.5656062960624695},{"text":"So as always with these statements of advice, if you can scroll through to page four where it's got the scope of advice.","start":161.75,"end":168.31,"sentiment":"neutral","sentiment_score":0.18558331417000812},{"text":"I'm just gonna go through what we're doing and why.","start":168.31,"end":171.72499,"sentiment":"neutral","sentiment_score":0.20652926564216614},{"text":"We'll go through the recommendations, make sure you're comfortable, see if anything's changed.","start":171.86499,"end":175.885,"sentiment":"neutral","sentiment_score":0.1969504883656135}],"sentiment":"neutral","sentiment_score":0.22543310577219183,"num_words":77,"start":148.32501,"end":175.885},{"sentences":[{"text":"So the main thing when it comes to the super is we had a bit of an updated chat, and you were still looking to reduce your risk level down on your super and just update a few of the investments to make sure it's running nice and smooth.","start":178.58499,"end":191.24,"sentiment":"positive","sentiment_score":0.35439195559949294},{"text":"K?","start":192.58,"end":193.08,"sentiment":"neutral","sentiment_score":0.030657216906547543},{"text":"Insurance wise, do you remember we were going through a bit of a reduction to trim your premiums down?","start":193.54,"end":197.88,"sentiment":"neutral","sentiment_score":-0.01461054825861203},{"text":"Yep.","start":198.935,"end":199.255,"sentiment":"neutral","sentiment_score":0.096602700650692},{"text":"And then we've included just a couple of usual reminders for estate planning just in terms of, like, wills and power of attorneys and beneficiary nominations, which we I believe we've sent out to you.","start":199.255,"end":209.755,"sentiment":"neutral","sentiment_score":0.06835598977548736}],"sentiment":"neutral","sentiment_score":0.18673642825867448,"num_words":105,"start":178.58499,"end":209.755},{"sentences":[{"text":"They should come through the old snail mail, so that might take a couple more days.","start":213.75,"end":218.41,"sentiment":"neutral","sentiment_score":-0.031310944934375584},{"text":"Cool.","start":220.15001,"end":220.65001,"sentiment":"neutral","sentiment_score":-0.02492372877895832},{"text":"No.","start":222.085,"end":222.24501,"sentiment":"neutral","sentiment_score":-0.16394585371017456},{"text":"That's alright.","start":222.24501,"end":222.905,"sentiment":"neutral","sentiment_score":0.14863748103380203},{"text":"If you have any trouble with those documents, just call the team.","start":223.925,"end":227.045,"sentiment":"neutral","sentiment_score":0.009932778775691986}],"sentiment":"neutral","sentiment_score":-0.008543012314476073,"num_words":32,"start":213.75,"end":227.045},{"sentences":[{"text":"We can walk you through them in about two minutes flat.","start":227.045,"end":229.465,"sentiment":"neutral","sentiment_score":0.12431505525654013},{"text":"K.","start":231.605,"end":232.105,"sentiment":"neutral","sentiment_score":0.02280871942639351},{"text":"If you go down past that, you've got the scope of advice that we're not giving advice on in this document.","start":232.325,"end":236.985,"sentiment":"neutral","sentiment_score":-0.0653732901527768},{"text":"And what you should see, it should be page five and six, and it should list, like, budgeting, savings, debt, areas of advice.","start":240.23999,"end":248.42,"sentiment":"neutral","sentiment_score":0.027579794921304867},{"text":"So what we're basically saying is we're focusing on the super and the insurance today.","start":253.45499,"end":257.135,"sentiment":"neutral","sentiment_score":0.08068428263068199}],"sentiment":"neutral","sentiment_score":0.02622584164352484,"num_words":71,"start":227.045,"end":257.135},{"sentences":[{"text":"We're not giving you, like, budgeting advice or anything like that, but we have listed down your goals.","start":257.135,"end":261.775,"sentiment":"neutral","sentiment_score":-0.03098362942950593},{"text":"Yep.","start":261.775,"end":262.175,"sentiment":"neutral","sentiment_score":0.166014164686203},{"text":"Perfect.","start":262.175,"end":262.675,"sentiment":"positive","sentiment_score":0.35643330216407776},{"text":"If you go past there, you've got can you go through to pages seven and eight?","start":263.21,"end":268.67,"sentiment":"neutral","sentiment_score":0.05912692309357226},{"text":"You've got the about you section and your assets and liabilities.","start":268.89,"end":273.39,"sentiment":"neutral","sentiment_score":0.04807922413403338}],"sentiment":"neutral","sentiment_score":0.030630731321078665,"num_words":47,"start":257.135,"end":273.39},{"sentences":[{"text":"Yep.","start":277.54498,"end":278.04498,"sentiment":"neutral","sentiment_score":0.029355395585298535},{"text":"Sensational.","start":280.50497,"end":281.00497,"sentiment":"neutral","sentiment_score":0.05291598662734032},{"text":"And if you go past that, we've got your current super.","start":281.22498,"end":283.625,"sentiment":"neutral","sentiment_score":0.024617920037020336},{"text":"I've updated the figures there and your AIA insurance policy.","start":283.625,"end":287.00497,"sentiment":"neutral","sentiment_score":0.06708029806613922},{"text":"And if you keep scrolling through with me, you've got your first policy through Super, and that's the one that we were talking about.","start":287.305,"end":293.54,"sentiment":"neutral","sentiment_score":-0.023851043699930113}],"sentiment":"neutral","sentiment_score":0.009605243286870896,"num_words":47,"start":277.54498,"end":293.54},{"sentences":[{"text":"It was, like, $12,000, 10,000 after the rebate.","start":293.54,"end":297.32,"sentiment":"neutral","sentiment_score":-0.08920049155130982},{"text":"That's problem number one.","start":297.62,"end":299.24,"sentiment":"neutral","sentiment_score":-0.16523067466914654},{"text":"And then your trauma, which was a little bit high, for the out of pocket premiums as well.","start":299.38,"end":304.755,"sentiment":"neutral","sentiment_score":-0.31101486417982316},{"text":"Yep.","start":312.275,"end":312.755,"sentiment":"neutral","sentiment_score":0.208330437541008},{"text":"And then the one after that on the next page is is called crisis recovery, but that's your trauma cover for heart attack, stroke, and cancer, and some protection there for Samuel and Sarah.","start":312.755,"end":324.57,"sentiment":"neutral","sentiment_score":0.06653318181633949}],"sentiment":"neutral","sentiment_score":-0.0692667010311897,"num_words":65,"start":293.54,"end":324.57},{"sentences":[{"text":"I'll actually have to double check.","start":329.91,"end":331.19,"sentiment":"neutral","sentiment_score":-0.023386585526168346},{"text":"I thought it may have been 18, but it may convert over with some providers.","start":331.19,"end":336.025,"sentiment":"neutral","sentiment_score":-0.0335496611893177},{"text":"Cool.","start":348.34,"end":348.82,"sentiment":"positive","sentiment_score":0.3930665254592895},{"text":"Can I just quickly note down the ranges just so I can double check that in the background?","start":348.82,"end":352.68,"sentiment":"neutral","sentiment_score":0.07587884273380041},{"text":"Yep.","start":357.475,"end":357.975,"sentiment":"neutral","sentiment_score":0.06109456345438957}],"sentiment":"neutral","sentiment_score":0.028693068954275876,"num_words":41,"start":329.91,"end":357.975},{"sentences":[{"text":"Oh, perfect.","start":366.51498,"end":367.07498,"sentiment":"neutral","sentiment_score":0.30553486943244934},{"text":"Okay.","start":367.07498,"end":367.47498,"sentiment":"neutral","sentiment_score":0.10906177759170532},{"text":"So 14 birthdays in February, 16 birthdays in August.","start":367.47498,"end":372.87,"sentiment":"neutral","sentiment_score":0.08170483799444304},{"text":"So we got a little bit of time there, but I will obviously keep an eye on that portion of the premiums too because it's not too much in terms of the overall policy, but it's something to keep an eye on as well.","start":373.09,"end":384.835,"sentiment":"neutral","sentiment_score":0.019341872751035473},{"text":"So I'll put a note there for that.","start":384.835,"end":386.455,"sentiment":"neutral","sentiment_score":0.054203912150114775}],"sentiment":"neutral","sentiment_score":0.042814824322704226,"num_words":64,"start":366.51498,"end":386.455},{"sentences":[{"text":"Okay.","start":387.395,"end":387.895,"sentiment":"neutral","sentiment_score":0.03856109455227852},{"text":"So if you go past there, you'll get to your risk profile section.","start":388.19498,"end":391.97498,"sentiment":"neutral","sentiment_score":0.012227639842491884},{"text":"And this is where we were talking about going down from high growth to growth just to kind of pair back the risk level one peg.","start":392.75497,"end":398.935,"sentiment":"neutral","sentiment_score":0.004465579700011474},{"text":"And if you go past there, you've got this one's a bit wording heavy, so I'll kinda summarize it for you, the strategy recommendations on thirteen and fourteen.","start":399.74,"end":407.68,"sentiment":"neutral","sentiment_score":0.05528815556317568},{"text":"So, basically, what we're doing is if you reduce your asset allocation from 90% shares property and gold, which is your growth risky assets, down to 80%, that puts you from a high growth to a growth risk level.","start":410.86,"end":426.025,"sentiment":"neutral","sentiment_score":-0.010102053041546008}],"sentiment":"neutral","sentiment_score":0.013716951138818654,"num_words":107,"start":387.395,"end":426.025},{"sentences":[{"text":"On top of that, we've switched a few of the investments around to include a bit more on the lower fee passive options.","start":427.58,"end":434.48,"sentiment":"neutral","sentiment_score":0.21024624387855115},{"text":"So a bit better performance, bit lower investment fees.","start":434.78,"end":438.08,"sentiment":"neutral","sentiment_score":0.30796128345860374},{"text":"And the drawback of all of this is that if you reduce your growth assets down, you may get a slightly lower return long term for that risk trade off.","start":438.445,"end":448.305,"sentiment":"neutral","sentiment_score":-0.28363983482122423},{"text":"K?","start":451.41998,"end":451.91998,"sentiment":"neutral","sentiment_score":0.04555526375770569},{"text":"The only other thing too is all the investments that you've got in your super, they're ETFs.","start":452.69998,"end":456.87997,"sentiment":"neutral","sentiment_score":0.2290947503026794}],"sentiment":"neutral","sentiment_score":0.037978576682507995,"num_words":80,"start":427.58,"end":456.87997},{"sentences":[{"text":"So we do brokerage where you pay a small amount to purchase them, and then ongoing from that point, they're kind of the lowest investment fees you can have.","start":457.09998,"end":466.0,"sentiment":"neutral","sentiment_score":0.29812698631451046},{"text":"Yep.","start":468.325,"end":468.565,"sentiment":"neutral","sentiment_score":0.22626839578151703},{"text":"Now we factored that into the projections and everything.","start":468.565,"end":471.285,"sentiment":"neutral","sentiment_score":0.12173038555516137},{"text":"Can you please go down to pages fifteen and sixteen?","start":471.285,"end":474.725,"sentiment":"neutral","sentiment_score":0.035989179648458956},{"text":"There's a ginormous investment table with a whole bunch of red figures and investment codes.","start":474.725,"end":480.265,"sentiment":"neutral","sentiment_score":0.054341256121794385}],"sentiment":"neutral","sentiment_score":0.1741021110501606,"num_words":64,"start":457.09998,"end":480.265},{"sentences":[{"text":"K?","start":482.99002,"end":483.49002,"sentiment":"neutral","sentiment_score":0.07440921664237976},{"text":"So what I'm basically doing is the top one, which is your Benelong option, which was the the biggest drag on performance, that was sitting at 30% of your portfolio.","start":483.79,"end":493.73,"sentiment":"neutral","sentiment_score":-0.059250443677107495},{"text":"We're replacing that with an option on the next page, the a 200, which is passive.","start":494.11002,"end":500.715,"sentiment":"neutral","sentiment_score":0.05331253632903099},{"text":"It's gonna be half the amount allocated there, split between a couple of different options, and altogether, we're just updating the whole portfolio.","start":500.85498,"end":508.31497,"sentiment":"neutral","sentiment_score":0.08406264351113983},{"text":"Because, basically, with the losses from the Benelon, we're able to update all the other options and pretty much wipe out any capital gains tax issues under the hood of your super that you would normally get by switching investments regularly.","start":508.69498,"end":523.65,"sentiment":"neutral","sentiment_score":0.13307133553231634}],"sentiment":"neutral","sentiment_score":0.058912270677250786,"num_words":111,"start":482.99002,"end":523.65},{"sentences":[{"text":"So it kind of gives us an opportunity to use the loss to offset the gains from the ones that did really well and still update those without you having a bit of a 15% chop off on tax.","start":527.395,"end":537.335,"sentiment":"neutral","sentiment_score":0.24192420918589982},{"text":"So it's a bit of a handy strategy when it comes to your your hub super that we have full control of buying and selling investments when we do them and in what order because most other super funds, it's all just pulled in with everybody, and you've got no ability to influence that outcome.","start":539.59,"end":555.705,"sentiment":"neutral","sentiment_score":0.23084360753948038},{"text":"K?","start":557.28503,"end":557.78503,"sentiment":"neutral","sentiment_score":0.16681593656539917},{"text":"The main two pages three pages, sorry, to look at will be seventeen, eighteen, and 19, which you will see a nice pretty colored pie chart there for your asset allocation.","start":558.565,"end":568.25,"sentiment":"neutral","sentiment_score":0.1467768516271345},{"text":"Can you just have a quick look in the middle of that table?","start":570.23,"end":572.87,"sentiment":"neutral","sentiment_score":0.07675796260054295}],"sentiment":"neutral","sentiment_score":0.20033233398370606,"num_words":139,"start":527.395,"end":572.87},{"sentences":[{"text":"Middle row, you've got a growth total, kind of a gray bar, and it should go from 80%, 80% across that row.","start":572.87,"end":583.665,"sentiment":"neutral","sentiment_score":0.08443380147218704},{"text":"So, basically, your risk profile, you need about 80%.","start":583.665,"end":586.805,"sentiment":"neutral","sentiment_score":0.05735384010606342},{"text":"You're sitting at 90.","start":587.425,"end":588.46497,"sentiment":"neutral","sentiment_score":0.05335074942559004},{"text":"We're trimming you down to 81, so to speak.","start":588.46497,"end":592.1,"sentiment":"neutral","sentiment_score":0.06627237465646532},{"text":"Yep.","start":593.12,"end":593.62,"sentiment":"neutral","sentiment_score":0.23049435019493103}],"sentiment":"neutral","sentiment_score":0.075868375847737,"num_words":45,"start":572.87,"end":593.62},{"sentences":[{"text":"Now that'll influence the fluctuations by about 5%.","start":594.08,"end":597.86,"sentiment":"neutral","sentiment_score":0.10387924406677485},{"text":"So if there was a bad year where your super may go down twenty, twenty five percent, it may only go down 15 or 16 in proportion.","start":598.0,"end":605.445,"sentiment":"neutral","sentiment_score":-0.17716405030201982},{"text":"K?","start":606.225,"end":606.725,"sentiment":"neutral","sentiment_score":0.0036586392670869823},{"text":"Beyond that, you've got fee comparison below that, and it's a blue and gray table, current, recommended, and a difference on the right hand column.","start":609.105,"end":620.0,"sentiment":"neutral","sentiment_score":0.05189771123230457},{"text":"Can you make out those figures at all?","start":620.0,"end":621.52,"sentiment":"neutral","sentiment_score":0.02829323208425194}],"sentiment":"neutral","sentiment_score":-0.03514417578074811,"num_words":69,"start":594.08,"end":621.52},{"sentences":[{"text":"Is it blurry?","start":621.52,"end":622.24,"sentiment":"neutral","sentiment_score":-0.02080320039143165},{"text":"Can you can you read them?","start":622.24,"end":623.62,"sentiment":"neutral","sentiment_score":-0.0034239833864072957},{"text":"Perfect.","start":626.4,"end":626.88,"sentiment":"positive","sentiment_score":0.35331565141677856},{"text":"So, basically, what's happening is the investment fees, it chops about two thirds of the investment fees off.","start":626.88,"end":634.055,"sentiment":"neutral","sentiment_score":0.07851010457509094},{"text":"The account stays the same, but the investment fees drop dramatically.","start":634.515,"end":638.055,"sentiment":"neutral","sentiment_score":0.11267409880052913}],"sentiment":"neutral","sentiment_score":0.07494766972003838,"num_words":39,"start":621.52,"end":638.055},{"sentences":[{"text":"And then we're also gonna trim off 1,300 in insurance premiums after the tax rebate, and that's not including the trim off for your out of pocket trauma policy.","start":638.515,"end":650.04,"sentiment":"neutral","sentiment_score":0.0018503150806344789},{"text":"Yeah.","start":654.74,"end":655.24,"sentiment":"neutral","sentiment_score":0.039697542786598206},{"text":"Improving the returns just really gets it back up to the right average because like I said, growth and high growth, you wanna be hitting that nine to 10% average.","start":657.3,"end":664.715,"sentiment":"positive","sentiment_score":0.4650859052936236},{"text":"And, unfortunately, with that one option pulling you down, it dropped you back to single digits.","start":664.715,"end":669.375,"sentiment":"negative","sentiment_score":-0.361887133680284},{"text":"So this will get you back up into that kind of double digit zone that we want you in.","start":669.59503,"end":673.83,"sentiment":"neutral","sentiment_score":-0.07278303174596083}],"sentiment":"neutral","sentiment_score":0.07234591680922006,"num_words":95,"start":638.515,"end":673.83},{"sentences":[{"text":"Next page, we got the projected balance, which it should impact things by about 30 to $50 and give you a lot more consistency over a year, three years, five years, ten years.","start":677.03,"end":687.85004,"sentiment":"neutral","sentiment_score":0.2773572111671621},{"text":"Any questions on the super side of things so far?","start":689.185,"end":691.84503,"sentiment":"neutral","sentiment_score":0.1335814855992794},{"text":"Yeah.","start":699.985,"end":700.47,"sentiment":"neutral","sentiment_score":0.04767090454697609},{"text":"Yeah.","start":705.43,"end":705.82996,"sentiment":"neutral","sentiment_score":0.100436732172966},{"text":"That'll kinda get things going a lot better.","start":705.82996,"end":708.00995,"sentiment":"positive","sentiment_score":0.44325852021574974}],"sentiment":"neutral","sentiment_score":0.26759959665952987,"num_words":53,"start":677.03,"end":708.00995},{"sentences":[{"text":"And one of the problems that we had too is just with the premiums being so high, it was really with low returns really pulling us over backwards.","start":708.06995,"end":715.29,"sentiment":"neutral","sentiment_score":-0.26005798019468784},{"text":"So if I trim it down, improve the returns, you're going back into the positive.","start":717.02496,"end":720.96497,"sentiment":"neutral","sentiment_score":0.193368095656236},{"text":"And, like, we can't get you a million dollars in a year or two, but at least we can start getting it back up there towards the 6 figures.","start":721.26495,"end":728.065,"sentiment":"neutral","sentiment_score":-0.0018104610258135303},{"text":"Yeah.","start":728.065,"end":728.55,"sentiment":"neutral","sentiment_score":0.07782411575317383},{"text":"Cool.","start":733.19,"end":733.67,"sentiment":"neutral","sentiment_score":0.3041638731956482}],"sentiment":"neutral","sentiment_score":-0.05475158637037148,"num_words":74,"start":708.06995,"end":733.67},{"sentences":[{"text":"Last couple of things.","start":733.67,"end":734.55,"sentiment":"neutral","sentiment_score":0.08962032198905945},{"text":"So the insurance on the next section, I do apologize for the wordiness of the next two pages and the really giant table.","start":734.55,"end":742.14996,"sentiment":"neutral","sentiment_score":-0.033266651646598526},{"text":"You just have so many policies.","start":742.14996,"end":743.69,"sentiment":"neutral","sentiment_score":-0.030813615769147873},{"text":"It all interacts quite a lot.","start":743.75,"end":746.465,"sentiment":"neutral","sentiment_score":0.020624162008364994},{"text":"Basically, we're keeping the million and 85,000 of life and disability insurance as it is, but we were trimming down your income protection so that it was a bit more in line with 75% of your income.","start":746.685,"end":759.42505,"sentiment":"neutral","sentiment_score":0.07613596944390116}],"sentiment":"neutral","sentiment_score":0.030911084828212074,"num_words":76,"start":733.67,"end":759.42505},{"sentences":[{"text":"Yeah.","start":763.95996,"end":764.19995,"sentiment":"neutral","sentiment_score":0.00013695517554879189},{"text":"So you're not paying over insured, paying more than what you claim on.","start":764.19995,"end":768.51996,"sentiment":"neutral","sentiment_score":0.007866075692268519},{"text":"And the good thing about this policy is because it was old, it kept it at a 75% maximum.","start":768.51996,"end":774.475,"sentiment":"positive","sentiment_score":0.44891089436255005},{"text":"Anything new is 70% maximum.","start":774.855,"end":777.255,"sentiment":"neutral","sentiment_score":0.26749623417854307},{"text":"So you get a little bit extra to yourself that you can cover yourself for.","start":777.255,"end":781.51495,"sentiment":"neutral","sentiment_score":0.25011914173762}],"sentiment":"neutral","sentiment_score":0.2588862496041605,"num_words":53,"start":763.95996,"end":781.51495},{"sentences":[{"text":"Yeah.","start":786.95,"end":787.19,"sentiment":"neutral","sentiment_score":0.14710965752601624},{"text":"And if we need to, we can push that out to 60 in ninety days.","start":787.19,"end":790.87,"sentiment":"neutral","sentiment_score":0.18248278896013895},{"text":"I don't know if AIA does sixty, but if the premiums jump up significantly next year, we can push that out if you've got the savings and leave behind you.","start":790.87,"end":798.135,"sentiment":"neutral","sentiment_score":0.18145476666589577},{"text":"But for now, we just thought trim it down for the time being.","start":798.135,"end":801.03503,"sentiment":"neutral","sentiment_score":-0.022428737523464057},{"text":"K.","start":804.135,"end":804.635,"sentiment":"neutral","sentiment_score":-0.026020552963018417}],"sentiment":"neutral","sentiment_score":0.1335066725189487,"num_words":60,"start":786.95,"end":804.635},{"sentences":[{"text":"Trauma is going down to a 100,000 flat from a 100 and 66,000, which is just, again, heart attack, stroke, cancer, organ failures, and a whole bunch of different medical conditions like bacterial meningitis, Crohn's disease, hemochromatosis, all the real fancy Latin names.","start":806.375,"end":823.27997,"sentiment":"neutral","sentiment_score":-0.0720018889798328},{"text":"That is your 100,000 lump sum to help with taking a bit of time off work, going private if you wanna pay for, you know, faster care or better care, and then, again, 16,000 for the children for similar conditions.","start":823.66,"end":836.545,"sentiment":"neutral","sentiment_score":0.11258663479238748},{"text":"Yeah.","start":843.82,"end":844.3,"sentiment":"neutral","sentiment_score":-0.015166071243584156},{"text":"Correct.","start":844.3,"end":844.8,"sentiment":"neutral","sentiment_score":-0.01410670392215252},{"text":"So that's the one out of pocket, which I believe you're paying, like, 200 and, actually yeah.","start":845.5,"end":853.08496,"sentiment":"neutral","sentiment_score":-0.07928447852678158}],"sentiment":"neutral","sentiment_score":0.00029681622982025146,"num_words":102,"start":806.375,"end":853.08496},{"sentences":[{"text":"I had that noted down on the table.","start":853.08496,"end":855.185,"sentiment":"neutral","sentiment_score":-0.011857072357088327},{"text":"Yeah.","start":857.00494,"end":857.245,"sentiment":"neutral","sentiment_score":-0.00795387476682663},{"text":"Yearly premiums go down about 2,700 between both policies.","start":857.245,"end":861.745,"sentiment":"neutral","sentiment_score":0.014904227521684434},{"text":"But, yeah, it was about $2.40.","start":861.88495,"end":863.56494,"sentiment":"neutral","sentiment_score":0.0709984265267849},{"text":"It was quite a bit.","start":863.56494,"end":864.69,"sentiment":"neutral","sentiment_score":0.10951448380947112}],"sentiment":"neutral","sentiment_score":0.0346513990441273,"num_words":29,"start":853.08496,"end":864.69},{"sentences":[{"text":"So the snail mail is the beneficiaries.","start":874.05,"end":876.23,"sentiment":"neutral","sentiment_score":0.03841259942523071},{"text":"I'm going to send you the fresh alteration quote and alteration form with the same system tomorrow.","start":877.10504,"end":884.885,"sentiment":"neutral","sentiment_score":0.08106156109887011},{"text":"I think we get the quote tomorrow.","start":884.945,"end":886.72504,"sentiment":"neutral","sentiment_score":0.107271851173469},{"text":"And then I just need you to sign that.","start":887.34503,"end":888.945,"sentiment":"neutral","sentiment_score":0.17074875202443865},{"text":"I can get that submitted this week, and they will start doing trim downs, refunds, all that kind of thing.","start":888.945,"end":895.47,"sentiment":"neutral","sentiment_score":0.15564840137958527}],"sentiment":"neutral","sentiment_score":0.11745907481138905,"num_words":60,"start":874.05,"end":895.47},{"sentences":[{"text":"Yep.","start":900.49,"end":900.99,"sentiment":"neutral","sentiment_score":0.21084082126617432},{"text":"Done.","start":901.05,"end":901.55,"sentiment":"neutral","sentiment_score":0.16366857290267944},{"text":"When you sign this statement of advice, we can switch your investments pretty well straight away, But it's just those two extra documents for the insurance, and then, yeah, we submit it.","start":902.08997,"end":910.04504,"sentiment":"neutral","sentiment_score":0.09564349765423685},{"text":"We follow it up, and it just happens in the background for you.","start":910.04504,"end":912.86505,"sentiment":"neutral","sentiment_score":0.09230066377383012},{"text":"Correct.","start":917.48505,"end":917.98505,"sentiment":"neutral","sentiment_score":0.20675888657569885}],"sentiment":"neutral","sentiment_score":0.10087018405708174,"num_words":48,"start":900.49,"end":917.98505},{"sentences":[{"text":"I don't remember when your billing date is for the trauma, though.","start":919.085,"end":923.2,"sentiment":"neutral","sentiment_score":-0.02949048997834325},{"text":"I'm just having a look at your certificate of currency.","start":924.14,"end":927.84,"sentiment":"neutral","sentiment_score":0.007555104978382588},{"text":"Actually, let me grab that for you just so you know when the reduced one's coming out because, obviously, it still will debit out.","start":929.18,"end":935.355,"sentiment":"neutral","sentiment_score":-0.0050653199044366675},{"text":"And we've obviously redisclosed things like the fees, the commissions, all that kind of thing for the insurance policy and the super.","start":938.475,"end":947.375,"sentiment":"neutral","sentiment_score":0.08032427423379639},{"text":"I have included from the annual review discussion that we did the service agreement with Oakview as well if you're still comfortable with the strategies, the services, and all that kind of thing.","start":947.96,"end":958.86005,"sentiment":"neutral","sentiment_score":0.11107130946986603}],"sentiment":"neutral","sentiment_score":0.04982757166323095,"num_words":101,"start":919.085,"end":958.86005},{"sentences":[{"text":"Cool.","start":961.23505,"end":961.73505,"sentiment":"neutral","sentiment_score":0.30176112055778503},{"text":"Expiry.","start":962.59503,"end":963.09503,"sentiment":"neutral","sentiment_score":0.19721192121505737},{"text":"Yeah.","start":964.35504,"end":964.59503,"sentiment":"neutral","sentiment_score":0.06008421629667282},{"text":"We'll have to get back to you on your trauma debit.","start":964.59503,"end":966.99506,"sentiment":"neutral","sentiment_score":0.023347787051038307},{"text":"I do apologize.","start":966.99506,"end":967.815,"sentiment":"neutral","sentiment_score":-0.03976944461464882}],"sentiment":"neutral","sentiment_score":0.04097497539923472,"num_words":17,"start":961.23505,"end":967.815},{"sentences":[{"text":"I thought I could have it.","start":967.875,"end":969.17505,"sentiment":"neutral","sentiment_score":-0.02847046498209238},{"text":"So I've got your life, your TPD, income protection.","start":982.44995,"end":985.58997,"sentiment":"neutral","sentiment_score":0.005521693473888768},{"text":"Also, something just come out.","start":997.975,"end":999.48,"sentiment":"neutral","sentiment_score":0.02310556620359421},{"text":"Yeah.","start":1005.95996,"end":1006.36,"sentiment":"neutral","sentiment_score":0.04211479425430298},{"text":"Okay.","start":1006.36,"end":1006.6,"sentiment":"neutral","sentiment_score":0.041336171329021454}],"sentiment":"neutral","sentiment_score":0.0035386930897154593,"num_words":22,"start":967.875,"end":1006.6},{"sentences":[{"text":"So it is about that sort of $90,100 difference.","start":1006.6,"end":1008.86,"sentiment":"neutral","sentiment_score":0.050111714750528336},{"text":"Cool.","start":1010.92,"end":1011.39996,"sentiment":"positive","sentiment_score":0.3792175054550171},{"text":"Okay.","start":1011.39996,"end":1011.89996,"sentiment":"neutral","sentiment_score":0.22870993614196777},{"text":"That'll be lined up for the June premium, which will be good.","start":1012.305,"end":1015.605,"sentiment":"positive","sentiment_score":0.39079539229472476},{"text":"Alright.","start":1016.225,"end":1016.705,"sentiment":"neutral","sentiment_score":0.25141215324401855}],"sentiment":"neutral","sentiment_score":0.249995405630519,"num_words":24,"start":1006.6,"end":1016.705},{"sentences":[{"text":"So between the super, the insurance, and the just updating your beneficiaries to your spouse, do you have any questions for me, Lynn?","start":1016.705,"end":1023.125,"sentiment":"neutral","sentiment_score":0.11181807566596114},{"text":"Yeah.","start":1031.2799,"end":1031.7799,"sentiment":"neutral","sentiment_score":0.10967116057872772},{"text":"And when we send through the AIA documents tomorrow for the trim down, Normally, they're pretty okay with stamping the signatures on there, but just to be safe, when you go through and click the purple buttons and it stamps your signature on, if you can just click on it, it'll do a pop up box and let you draw your signature so it matches your ID.","start":1032.0,"end":1052.815,"sentiment":"neutral","sentiment_score":0.06715128064822795},{"text":"Oh, wow.","start":1058.22,"end":1058.8799,"sentiment":"neutral","sentiment_score":0.17559298127889633},{"text":"Super organized.","start":1058.94,"end":1059.6799,"sentiment":"neutral","sentiment_score":0.19183938950300217}],"sentiment":"neutral","sentiment_score":0.08332092048306214,"num_words":95,"start":1016.705,"end":1059.6799},{"sentences":[{"text":"Okay.","start":1059.74,"end":1060.24,"sentiment":"neutral","sentiment_score":0.00693633034825325},{"text":"Yeah.","start":1064.3799,"end":1064.8799,"sentiment":"neutral","sentiment_score":-0.06798496842384338},{"text":"Oh, heaps of paperwork.","start":1071.4349,"end":1072.8949,"sentiment":"neutral","sentiment_score":-0.24404536187648773},{"text":"Yeah.","start":1080.89,"end":1081.2899,"sentiment":"neutral","sentiment_score":-0.25538232922554016},{"text":"I don't wanna go through that.","start":1081.2899,"end":1082.9099,"sentiment":"neutral","sentiment_score":-0.33029692868391675}],"sentiment":"neutral","sentiment_score":-0.2518764605315832,"num_words":13,"start":1059.74,"end":1082.9099},{"sentences":[{"text":"Right.","start":1088.6499,"end":1089.1499,"sentiment":"neutral","sentiment_score":-0.22850409150123596},{"text":"The banks were oh, Yes.","start":1090.265,"end":1104.22,"sentiment":"neutral","sentiment_score":-0.22851641308516263},{"text":"Yeah.","start":1104.28,"end":1104.78,"sentiment":"neutral","sentiment_score":0.005783182568848133},{"text":"And I'm assuming if you don't do those properly, like, how long how long does it take to to sort that out?","start":1107.72,"end":1113.255,"sentiment":"neutral","sentiment_score":-0.05222783021798188},{"text":"Oh, jeez.","start":1116.055,"end":1117.115,"sentiment":"neutral","sentiment_score":-0.025000564754009247}],"sentiment":"neutral","sentiment_score":-0.08271988286005874,"num_words":31,"start":1088.6499,"end":1117.115},{"sentences":[{"text":"Yeah.","start":1118.695,"end":1119.015,"sentiment":"neutral","sentiment_score":0.013632003217935562},{"text":"You'd rather that being done in a week or two.","start":1119.015,"end":1121.275,"sentiment":"neutral","sentiment_score":-0.021767371241003274},{"text":"Yeah.","start":1121.495,"end":1121.995,"sentiment":"neutral","sentiment_score":-0.049415089190006256},{"text":"Alright.","start":1126.87,"end":1127.1901,"sentiment":"neutral","sentiment_score":0.07685931771993637},{"text":"So what we're doing is easy then.","start":1127.1901,"end":1129.03,"sentiment":"neutral","sentiment_score":0.2123456448316574}],"sentiment":"neutral","sentiment_score":0.06549110165797174,"num_words":20,"start":1118.695,"end":1129.03},{"sentences":[{"text":"It's just stamp it on.","start":1129.03,"end":1131.29,"sentiment":"neutral","sentiment_score":0.12310146987438202},{"text":"Oh, yep.","start":1135.8301,"end":1141.865,"sentiment":"neutral","sentiment_score":-0.1572980210185051},{"text":"Keep a very close eye on all the i's and the t's and everything.","start":1142.005,"end":1145.4651,"sentiment":"neutral","sentiment_score":-0.06356030995292324},{"text":"Yeah.","start":1150.74,"end":1151.14,"sentiment":"neutral","sentiment_score":-0.0850335955619812},{"text":"That's unfortunate.","start":1151.14,"end":1152.04,"sentiment":"neutral","sentiment_score":-0.22511664777994156}],"sentiment":"neutral","sentiment_score":-0.046841663463662066,"num_words":24,"start":1129.03,"end":1152.04},{"sentences":[{"text":"Yep.","start":1156.8201,"end":1157.3201,"sentiment":"neutral","sentiment_score":-0.038056571036577225},{"text":"Perfect.","start":1166.0349,"end":1166.2749,"sentiment":"positive","sentiment_score":0.4291407763957978},{"text":"Thank you so much for that, and thank you for spending the time with me today to go through that.","start":1166.2749,"end":1170.855,"sentiment":"positive","sentiment_score":0.5685562208294869},{"text":"Yeah.","start":1178.21,"end":1178.5299,"sentiment":"neutral","sentiment_score":0.1489061564207077},{"text":"And then I'll send you a text message once we send it off to you just so you've got a heads up.","start":1178.5299,"end":1183.35,"sentiment":"neutral","sentiment_score":0.16393390433354812}],"sentiment":"positive","sentiment_score":0.34483690386017163,"num_words":45,"start":1156.8201,"end":1183.35},{"sentences":[{"text":"Yeah.","start":1190.705,"end":1191.105,"sentiment":"neutral","sentiment_score":0.08522302657365799},{"text":"Yeah.","start":1191.105,"end":1191.345,"sentiment":"neutral","sentiment_score":0.07574008405208588},{"text":"I'll double check on that.","start":1191.345,"end":1192.5449,"sentiment":"neutral","sentiment_score":0.1135704129934311},{"text":"And, again, when you receive it, any questions, just call through.","start":1192.5449,"end":1195.809,"sentiment":"neutral","sentiment_score":0.11160703748464584},{"text":"Awesome, Lynn.","start":1198.369,"end":1199.0089,"sentiment":"positive","sentiment_score":0.8646858930587769}],"sentiment":"neutral","sentiment_score":0.18429321870207788,"num_words":20,"start":1190.705,"end":1199.0089},{"sentences":[{"text":"You have a fantastic day, and I shall talk to you soon.","start":1199.0089,"end":1202.3889,"sentiment":"positive","sentiment_score":0.8136579692363739},{"text":"Thank you.","start":1204.209,"end":1204.7689,"sentiment":"positive","sentiment_score":0.6682738065719604},{"text":"Bye.","start":1204.7689,"end":1205.2689,"sentiment":"neutral","sentiment_score":0.2306102216243744}],"sentiment":"positive","sentiment_score":0.7554035643736522,"num_words":15,"start":1199.0089,"end":1205.2689}]}}]},{"alternatives":[{"transcript":"If you record your name and reason for calling, I'll see if this person is available. Thanks. Please stay on the line. Hello. I'm speaking. I'm good. How are you? Oh, it's Ryan and the Gold Coast. I know it's pouring out of my house. Oh, don't tell me my client is coming home from UPS, but she won't be happy. Yep. Yep. Two weeks. Yep. 07/02/1977 and 14 year old cousin Elmer Elmer Hills Green Camp. Yep. P s's yeah. Letta p s's dot com dot ai. Yep. Yep. That's it. Yeah. I can. I'm just waiting for whatever to come through, and I'll be done. Cool. Okay. Okay. Yep. It looks like it's just coming. Yep. So this is on the oh, yep. Correct. And if it's on the quote. Yep. Okay. Yep. Yep. Alright. Is it going down? Okay. Cool. That's cool. Yep. Perfect. Got that one. Yep. Okay. Cool. Mhmm. Yep. Yep. That was good. Okay. Okay. I haven't got that yet. Okay. Oh, okay. Yep. Sorry. Yep. No. That's okay. I was thinking I haven't quite got that yet. But yep. No. That's cool. It might be here. Yep. Cool. Okay. Oh, cool. Yep. Sounds good. Cool. No. We're pretty good. Yep. Cool. Sounds like a plan. Yep. Model s and some other yep. Colt car loan. Car through yep. My mortgage. Yep. Sweet. Oh, okay. Oh, yep. So that's one. Life TPD and life insurance life income protection. Okay. Cool. So Yep. Okay. Until are they 20 or 21, is that covered too? I say because I thought my older two, they used to be when I was 21. I think it's or might even need 20. That's alright. It doesn't matter. I don't mind paying it until they're whatever age. That's fine. Just leave them on there. That's cool. That's fine. My Samuel will be 16 in August, end of August, the twenty seventh, and Sarah is 14. Her birthday is February the twenty eighth of February two thousand twelve. Yes. It could be. No. That's fine. No. Shoot. Yep. Yep. Yep. Sounds good. Yep. Yep. That sounds good. Long. Okay. Cool. Yep. Yep. Okay. Oh, okay. Because I lost so much on it on. Okay. Cool. Okay. Well, that sounds good. Okay. Yep. Yep. Okay. So that's good. So cool. Okay. No. No. I just unzimmed them. That's called sleep. Okay. Hello? Oh, from I I I. Like I said, it might even be a little low a little bit good. That'll bump that back up a bit. Cool. Yeah. Just one. Okay. Well, that sounds good. Yep. No. That sounds good. Yeah. It seems like everything's back into line because it was sort of all out killed to there for a little while. So yep. No. That sounds good. If I can go back up to, what is it, a lump sum in ten years, so that'll be alright. Yeah. Well, that's good. Training. Yep. That sounds good. Growing it. Yeah. Growing it a bit more as long as I can get over. No. That sounds good. That looks good. Yep. Yep. Yep. So it's back down to sort of like what everyone else is sort of paying really, isn't it? Instead of being way over. Yep. Yep. Oh, okay. So it's just oh, it's still on your thirty day waiting period. Oh, okay. So that's not too bad then. Okay. No. I do. Yeah. No. Nothing. That is fine. That sounds good. Looks good. Perhaps I'm not in touch with that piece. Yep. Yep. Lovely. Yep. So is that the estimation? Is that what I'll be paying approximately out of one to nine out of pocket? Is that was that Sarah and Samuel? Or is that me? Okay. 40. Alright. It's $2.40 $2.07. Okay. It's about a $100 a month, so I think well, that's good. Okay. Do I need to do anything or that just is that in the snail mail is that in the snail mail coming? Is that what I need to sign? Yep. Yep. Okay. Cool. Yep. Okay. Cool. And I won't really have to do anything because that'll just be on your end and then you guys cool. Done. It's all good. Okay. Okay. And I don't know if I better just just not even coming out anymore. Oh, yeah. I love it. Yep. No. That's fine. Yep. Yeah. That is fine. All good. Actually, I might have to check when it comes out. Which account it comes out of. Okay. Why? Mine come the came out on the May 25. Yes. Yep. Yeah. That was $222.28 92 I paid. Yep. Yep. No. That's fine. I'll just sign this one away, and then I do need to go and get my role organized after this. So yep. Okay. Yep. No. I've already got one saved on my laptop so that's fine. Yep. The same as my license. Oh, we've been signing we've just had a bit of an incident last two weeks ago and we've had to go through attorneys and lawyers and banks and everything. So we've all five of us all that have been dealing with massive and you don't understand how banks work when people die. Banks are terrible. They want everything. No. You don't. And I've just realized because wills and the part power of attorneys don't work. Yeah. Yeah. Unless this don't yeah. We just had someone pass away, and they weren't satisfied on the power of attorney end. So, yeah, my partner's been really struggling with money and banks and stuff. So you've really gotta sign properly. I've just realized, get a get a power of attorney and you will certify. At the moment, we're looking at about nine months. Yeah. Because it's in New Zealand as well. So yeah. And everything's in New Zealand, so it's even twice as hard as a normal person to be in Australia. Yeah. Oh, this is, like, piece of cake. I could just do that. Not a problem. Yeah. No. I've been doing signatures and everything for the last couple of weeks. This has been horrendous. So if anyone says the power of attorneys work, please don't listen to them because they don't. Yeah. And get everything satisfied by JPs and all these and stuff because, yeah, it's not pretty. So now I'm gonna go and get our rules done so that we'll I'll be able to pop that in next year's one as well for Scott and I. But, you know, yeah, I will find that at the bottom where I can find it. Cool. Done. Alright. Yep. Cool. So I just tomorrow, I'll just when it all comes through, just sign it and make sure it's all done. And then wait. Yep. Cool. I need this mail mail. Must be another few more days because, you know, doesn't get delivered very fast in our area. Yep. That's what I do. Cool. Thank you. Oh, okay. Cool. Thanks, Zoey. See you later. Bye. 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you record your name and reason for calling, I'll see if this person is available. Thanks. Please stay on the line. Hello. I'm speaking.\n\nI'm good. How are you? Oh, it's Ryan and the Gold Coast. I know it's pouring out of my house. Oh, don't tell me my client is coming home from UPS, but she won't be happy.\n\nYep. Yep. Two weeks. Yep. 07/02/1977 and 14 year old cousin Elmer Elmer Hills Green Camp.\n\nYep. P s's yeah. Letta p s's dot com dot ai. Yep. Yep.\n\nThat's it. Yeah. I can. I'm just waiting for whatever to come through, and I'll be done. Cool.\n\nOkay. Okay. Yep. It looks like it's just coming. Yep.\n\nSo this is on the oh, yep. Correct. And if it's on the quote. Yep. Okay.\n\nYep. Yep. Alright. Is it going down? Okay.\n\nCool. That's cool. Yep. Perfect. Got that one.\n\nYep. Okay. Cool. Mhmm. Yep.\n\nYep. That was good. Okay. Okay. I haven't got that yet.\n\nOkay. Oh, okay. Yep. Sorry. Yep.\n\nNo. That's okay. I was thinking I haven't quite got that yet. But yep. No.\n\nThat's cool. It might be here. Yep. Cool. Okay.\n\nOh, cool. Yep. Sounds good. Cool. No.\n\nWe're pretty good. Yep. Cool. Sounds like a plan. Yep.\n\nModel s and some other yep. Colt car loan. Car through yep. My mortgage. Yep.\n\nSweet. Oh, okay. Oh, yep. So that's one. Life TPD and life insurance life income protection.\n\nOkay. Cool. So Yep. Okay. Until are they 20 or 21, is that covered too?\n\nI say because I thought my older two, they used to be when I was 21. I think it's or might even need 20. That's alright. It doesn't matter. I don't mind paying it until they're whatever age.\n\nThat's fine. Just leave them on there. That's cool. That's fine. My Samuel will be 16 in August, end of August, the twenty seventh, and Sarah is 14.\n\nHer birthday is February the twenty eighth of February two thousand twelve. Yes. It could be. No. That's fine.\n\nNo. Shoot. Yep. Yep. Yep.\n\nSounds good. Yep. Yep. That sounds good. Long.\n\nOkay. Cool. Yep. Yep. Okay.\n\nOh, okay. Because I lost so much on it on. Okay. Cool. Okay.\n\nWell, that sounds good. Okay. Yep. Yep. Okay.\n\nSo that's good. So cool. Okay. No. No.\n\nI just unzimmed them. That's called sleep. Okay. Hello? Oh, from I I I.\n\nLike I said, it might even be a little low a little bit good. That'll bump that back up a bit. Cool. Yeah. Just one.\n\nOkay. Well, that sounds good. Yep. No. That sounds good.\n\nYeah. It seems like everything's back into line because it was sort of all out killed to there for a little while. So yep. No. That sounds good.\n\nIf I can go back up to, what is it, a lump sum in ten years, so that'll be alright. Yeah. Well, that's good. Training. Yep.\n\nThat sounds good. Growing it. Yeah. Growing it a bit more as long as I can get over. No.\n\nThat sounds good. That looks good. Yep. Yep. Yep.\n\nSo it's back down to sort of like what everyone else is sort of paying really, isn't it? Instead of being way over. Yep. Yep. Oh, okay.\n\nSo it's just oh, it's still on your thirty day waiting period. Oh, okay. So that's not too bad then. Okay. No.\n\nI do. Yeah. No. Nothing. That is fine.\n\nThat sounds good. Looks good. Perhaps I'm not in touch with that piece. Yep. Yep.\n\nLovely. Yep. So is that the estimation? Is that what I'll be paying approximately out of one to nine out of pocket? Is that was that Sarah and Samuel?\n\nOr is that me? Okay. 40. Alright. It's $2.40 $2.07.\n\nOkay. It's about a $100 a month, so I think well, that's good. Okay. Do I need to do anything or that just is that in the snail mail is that in the snail mail coming? Is that what I need to sign?\n\nYep. Yep. Okay. Cool. Yep.\n\nOkay. Cool. And I won't really have to do anything because that'll just be on your end and then you guys cool. Done. It's all good.\n\nOkay. Okay. And I don't know if I better just just not even coming out anymore. Oh, yeah. I love it.\n\nYep. No. That's fine. Yep. Yeah.\n\nThat is fine. All good. Actually, I might have to check when it comes out. Which account it comes out of. Okay.\n\nWhy? Mine come the came out on the May 25. Yes. Yep. Yeah.\n\nThat was $222.28 92 I paid. Yep. Yep. No. That's fine.\n\nI'll just sign this one away, and then I do need to go and get my role organized after this. So yep. Okay. Yep. No.\n\nI've already got one saved on my laptop so that's fine. Yep. The same as my license. Oh, we've been signing we've just had a bit of an incident last two weeks ago and we've had to go through attorneys and lawyers and banks and everything. So we've all five of us all that have been dealing with massive and you don't understand how banks work when people die.\n\nBanks are terrible. They want everything. No. You don't. And I've just realized because wills and the part power of attorneys don't work.\n\nYeah. Yeah. Unless this don't yeah. We just had someone pass away, and they weren't satisfied on the power of attorney end. So, yeah, my partner's been really struggling with money and banks and stuff.\n\nSo you've really gotta sign properly. I've just realized, get a get a power of attorney and you will certify. At the moment, we're looking at about nine months. Yeah. Because it's in New Zealand as well.\n\nSo yeah. And everything's in New Zealand, so it's even twice as hard as a normal person to be in Australia. Yeah. Oh, this is, like, piece of cake. I could just do that.\n\nNot a problem. Yeah. No. I've been doing signatures and everything for the last couple of weeks. This has been horrendous.\n\nSo if anyone says the power of attorneys work, please don't listen to them because they don't. Yeah. And get everything satisfied by JPs and all these and stuff because, yeah, it's not pretty. So now I'm gonna go and get our rules done so that we'll I'll be able to pop that in next year's one as well for Scott and I. But, you know, yeah, I will find that at the bottom where I can find it.\n\nCool. Done. Alright. Yep. Cool.\n\nSo I just tomorrow, I'll just when it all comes through, just sign it and make sure it's all done. And then wait. Yep. Cool. I need this mail mail.\n\nMust be another few more days because, you know, doesn't get delivered very fast in our area. Yep. That's what I do. Cool. Thank you.\n\nOh, okay. Cool. Thanks, Zoey. See you later. Bye.\n\nBye.","paragraphs":[{"sentences":[{"text":"If you record your name and reason for calling, I'll see if this person is available.","start":0.16,"end":4.58,"sentiment":"neutral","sentiment_score":0.0026311053661629558},{"text":"Thanks.","start":12.16,"end":12.66,"sentiment":"positive","sentiment_score":0.3433663249015808},{"text":"Please stay on the line.","start":13.235,"end":14.775,"sentiment":"neutral","sentiment_score":0.18457984924316406},{"text":"Hello.","start":17.715,"end":18.035,"sentiment":"neutral","sentiment_score":0.08384443819522858},{"text":"I'm speaking.","start":18.035,"end":18.615,"sentiment":"neutral","sentiment_score":0.08704642578959465}],"sentiment":"neutral","sentiment_score":0.06265202187001705,"num_words":25,"start":0.16,"end":18.615},{"sentences":[{"text":"I'm good.","start":23.154999,"end":23.715,"sentiment":"positive","sentiment_score":0.4372126907110214},{"text":"How are 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it's back down to sort of like what everyone else is sort of paying really, isn't it?","start":759.91003,"end":763.51,"sentiment":"neutral","sentiment_score":-0.021913440561749868},{"text":"Instead of being way over.","start":763.51,"end":764.97003,"sentiment":"neutral","sentiment_score":0.009277625940740108},{"text":"Yep.","start":766.87006,"end":767.265,"sentiment":"neutral","sentiment_score":-0.004727437160909176},{"text":"Yep.","start":767.265,"end":767.765,"sentiment":"neutral","sentiment_score":0.018606649711728096},{"text":"Oh, okay.","start":777.985,"end":778.805,"sentiment":"neutral","sentiment_score":0.2491133064031601}],"sentiment":"neutral","sentiment_score":0.006076000924049704,"num_words":27,"start":759.91003,"end":778.805},{"sentences":[{"text":"So it's just oh, it's still on your thirty day waiting period.","start":781.65,"end":784.21,"sentiment":"neutral","sentiment_score":0.22646170357863107},{"text":"Oh, okay.","start":784.21,"end":784.69,"sentiment":"neutral","sentiment_score":0.1701236069202423},{"text":"So that's not too bad then.","start":784.69,"end":786.31,"sentiment":"neutral","sentiment_score":0.2038826420903206},{"text":"Okay.","start":786.37,"end":786.87,"sentiment":"neutral","sentiment_score":0.15329822897911072},{"text":"No.","start":798.295,"end":798.795,"sentiment":"neutral","sentiment_score":-0.05252303183078766}],"sentiment":"neutral","sentiment_score":0.199175395748832,"num_words":22,"start":781.65,"end":798.795},{"sentences":[{"text":"I do.","start":799.01495,"end":799.915,"sentiment":"neutral","sentiment_score":-0.04414026439189911},{"text":"Yeah.","start":800.45496,"end":800.77496,"sentiment":"neutral","sentiment_score":0.025086095556616783},{"text":"No.","start":800.77496,"end":801.175,"sentiment":"neutral","sentiment_score":0.0002360418438911438},{"text":"Nothing.","start":801.175,"end":801.575,"sentiment":"neutral","sentiment_score":0.027099154889583588},{"text":"That is fine.","start":801.575,"end":802.21497,"sentiment":"neutral","sentiment_score":0.11812901496887207}],"sentiment":"neutral","sentiment_score":0.03981597605161369,"num_words":8,"start":799.01495,"end":802.21497},{"sentences":[{"text":"That sounds good.","start":802.21497,"end":803.01495,"sentiment":"positive","sentiment_score":0.4122235178947449},{"text":"Looks good.","start":803.01495,"end":803.755,"sentiment":"neutral","sentiment_score":0.3295888751745224},{"text":"Perhaps I'm not in touch with that piece.","start":803.815,"end":805.595,"sentiment":"neutral","sentiment_score":-0.11253727180883288},{"text":"Yep.","start":809.65497,"end":810.0,"sentiment":"neutral","sentiment_score":-0.0919603556394577},{"text":"Yep.","start":818.24,"end":818.74,"sentiment":"neutral","sentiment_score":-0.04560808837413788}],"sentiment":"neutral","sentiment_score":0.05719877903660139,"num_words":15,"start":802.21497,"end":818.74},{"sentences":[{"text":"Lovely.","start":833.915,"end":834.415,"sentiment":"neutral","sentiment_score":0.18161319196224213},{"text":"Yep.","start":837.035,"end":837.42,"sentiment":"neutral","sentiment_score":0.005566755309700966},{"text":"So is that the estimation?","start":837.66,"end":839.42,"sentiment":"neutral","sentiment_score":-0.013214524462819099},{"text":"Is that what I'll be paying approximately out of one to nine out of pocket?","start":839.42,"end":842.7,"sentiment":"neutral","sentiment_score":-0.08024723803003629},{"text":"Is that was that Sarah and Samuel?","start":842.7,"end":845.04,"sentiment":"neutral","sentiment_score":-0.016804233459489688}],"sentiment":"neutral","sentiment_score":-0.04138727171410774,"num_words":29,"start":833.915,"end":845.04},{"sentences":[{"text":"Or is that me?","start":845.18,"end":846.16,"sentiment":"neutral","sentiment_score":-0.03243185533210635},{"text":"Okay.","start":848.38,"end":848.88,"sentiment":"neutral","sentiment_score":-0.049139924347400665},{"text":"40.","start":851.08496,"end":851.58496,"sentiment":"neutral","sentiment_score":-0.04460623487830162},{"text":"Alright.","start":852.52496,"end":852.845,"sentiment":"neutral","sentiment_score":-0.0021069603972136974},{"text":"It's $2.40 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I won't really have to do anything because that'll just be on your end and then you guys cool.","start":896.03,"end":899.63,"sentiment":"neutral","sentiment_score":0.2972566239535809},{"text":"Done.","start":899.63,"end":900.03,"sentiment":"positive","sentiment_score":0.414857029914856},{"text":"It's all good.","start":900.03,"end":900.85,"sentiment":"positive","sentiment_score":0.5408907532691956}],"sentiment":"neutral","sentiment_score":0.3298915767898926,"num_words":26,"start":895.39,"end":900.85},{"sentences":[{"text":"Okay.","start":906.75,"end":907.25,"sentiment":"neutral","sentiment_score":0.03800296038389206},{"text":"Okay.","start":912.635,"end":913.03503,"sentiment":"neutral","sentiment_score":-0.00754355825483799},{"text":"And I don't know if I better just just not even coming out anymore.","start":913.03503,"end":916.315,"sentiment":"neutral","sentiment_score":-0.13132406372044766},{"text":"Oh, yeah.","start":916.315,"end":917.025,"sentiment":"neutral","sentiment_score":0.0485355518758297},{"text":"I love it.","start":917.025,"end":918.015,"sentiment":"neutral","sentiment_score":0.1482488065958023}],"sentiment":"neutral","sentiment_score":-0.06029809363895938,"num_words":21,"start":906.75,"end":918.015},{"sentences":[{"text":"Yep.","start":935.72504,"end":936.04504,"sentiment":"neutral","sentiment_score":0.017524655908346176},{"text":"No.","start":936.04504,"end":936.125,"sentiment":"neutral","sentiment_score":0.005415227264165878},{"text":"That's 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bit of an incident last two weeks ago and we've had to go through attorneys and lawyers and banks and everything.","start":1060.61,"end":1069.995,"sentiment":"neutral","sentiment_score":-0.0748863969126652},{"text":"So we've all five of us all that have been dealing with massive and you don't understand how banks work when people die.","start":1070.0549,"end":1078.5549,"sentiment":"neutral","sentiment_score":-0.26251254425100656}],"sentiment":"neutral","sentiment_score":-0.09531507533097612,"num_words":69,"start":1054.995,"end":1078.5549},{"sentences":[{"text":"Banks are terrible.","start":1078.9349,"end":1079.835,"sentiment":"negative","sentiment_score":-0.5500653386116028},{"text":"They want everything.","start":1081.415,"end":1082.395,"sentiment":"negative","sentiment_score":-0.37146759033203125},{"text":"No.","start":1082.82,"end":1082.98,"sentiment":"neutral","sentiment_score":-0.31282612681388855},{"text":"You 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horrendous.","start":1135.135,"end":1136.2749,"sentiment":"negative","sentiment_score":-0.6519660502672195}],"sentiment":"neutral","sentiment_score":-0.2514797922755991,"num_words":21,"start":1131.5349,"end":1136.2749},{"sentences":[{"text":"So if anyone says the power of attorneys work, please don't listen to them because they don't.","start":1136.495,"end":1141.06,"sentiment":"neutral","sentiment_score":-0.3006666819838917},{"text":"Yeah.","start":1145.4401,"end":1145.8401,"sentiment":"neutral","sentiment_score":-0.046755917370319366},{"text":"And get everything satisfied by JPs and all these and stuff because, yeah, it's not pretty.","start":1145.8401,"end":1149.78,"sentiment":"neutral","sentiment_score":-0.11139107251074165},{"text":"So now I'm gonna go and get our rules done so that we'll I'll be able to pop that in next year's one as well for Scott and I.","start":1150.56,"end":1158.125,"sentiment":"neutral","sentiment_score":-0.10300269530251108},{"text":"But, you know, yeah, I will find that at the bottom where I can find it.","start":1158.125,"end":1163.105,"sentiment":"neutral","sentiment_score":0.0008661983301863074}],"sentiment":"neutral","sentiment_score":-0.12548817293364792,"num_words":79,"start":1136.495,"end":1163.105},{"sentences":[{"text":"Cool.","start":1163.565,"end":1164.065,"sentiment":"neutral","sentiment_score":0.1931300014257431},{"text":"Done.","start":1164.525,"end":1165.025,"sentiment":"neutral","sentiment_score":0.23400413990020752},{"text":"Alright.","start":1166.365,"end":1166.865,"sentiment":"positive","sentiment_score":0.489410400390625},{"text":"Yep.","start":1170.42,"end":1170.92,"sentiment":"neutral","sentiment_score":0.2754760980606079},{"text":"Cool.","start":1171.3,"end":1171.8,"sentiment":"positive","sentiment_score":0.3695336580276489}],"sentiment":"neutral","sentiment_score":0.3123108595609665,"num_words":5,"start":1163.565,"end":1171.8},{"sentences":[{"text":"So I just tomorrow, I'll just when it all comes through, just sign it and make sure it's all done.","start":1171.8601,"end":1177.56,"sentiment":"neutral","sentiment_score":0.2667102634906769},{"text":"And then wait.","start":1178.26,"end":1179.3201,"sentiment":"neutral","sentiment_score":0.1289805049697558},{"text":"Yep.","start":1183.435,"end":1183.755,"sentiment":"neutral","sentiment_score":0.23206983506679535},{"text":"Cool.","start":1183.755,"end":1183.995,"sentiment":"positive","sentiment_score":0.518734335899353},{"text":"I need this mail mail.","start":1183.995,"end":1185.1151,"sentiment":"neutral","sentiment_score":0.07324371635913848}],"sentiment":"neutral","sentiment_score":0.22793898458282152,"num_words":30,"start":1171.8601,"end":1185.1151},{"sentences":[{"text":"Must be another few more days because, you know, doesn't get delivered very fast in our area.","start":1185.1151,"end":1190.255,"sentiment":"neutral","sentiment_score":-0.20937945211634917},{"text":"Yep.","start":1195.995,"end":1196.3151,"sentiment":"neutral","sentiment_score":0.19636520743370056},{"text":"That's what I do.","start":1196.3151,"end":1197.035,"sentiment":"neutral","sentiment_score":0.30931058526039124},{"text":"Cool.","start":1197.035,"end":1197.3551,"sentiment":"positive","sentiment_score":0.7314954400062561},{"text":"Thank you.","start":1197.3551,"end":1198.0951,"sentiment":"positive","sentiment_score":0.8133504390716553}],"sentiment":"neutral","sentiment_score":0.009294127225875854,"num_words":25,"start":1185.1151,"end":1198.0951},{"sentences":[{"text":"Oh, okay.","start":1202.299,"end":1202.7789,"sentiment":"positive","sentiment_score":0.40840788185596466},{"text":"Cool.","start":1202.7789,"end":1203.0189,"sentiment":"positive","sentiment_score":0.5959525108337402},{"text":"Thanks, Zoey.","start":1203.0189,"end":1203.6589,"sentiment":"positive","sentiment_score":0.7258603572845459},{"text":"See you later.","start":1203.6589,"end":1204.319,"sentiment":"positive","sentiment_score":0.5893164078394572},{"text":"Bye.","start":1204.539,"end":1205.039,"sentiment":"positive","sentiment_score":0.3442557752132416}],"sentiment":"positive","sentiment_score":0.5529659986495972,"num_words":9,"start":1202.299,"end":1205.039},{"sentences":[{"text":"Bye.","start":1205.179,"end":1205.679,"sentiment":"neutral","sentiment_score":-0.1104600578546524}],"sentiment":"neutral","sentiment_score":-0.1104600578546524,"num_words":1,"start":1205.179,"end":1205.679}]}}]}],"paragraphs":{"transcript":"\nChannel 1: If you record your name and reason for calling, I'll see if this person is available.\n\nChannel 0: Tommy, Oakview Financial.\n\nChannel 1: Thanks. Please stay on the line. Hello. I'm speaking.\n\nChannel 0: Good afternoon, Lynn. It's Tommy here again from Oakview. How have you been?\n\nChannel 1: I'm good. How are you?\n\nChannel 0: I'm living the dream. It's a beautiful rainy day on the Gold Coast. What about your end?\n\nChannel 1: Oh, it's Ryan and the Gold Coast. I know it's pouring out\n\nChannel 0: I\n\nChannel 1: of my\n\nChannel 0: know.\n\nChannel 1: house.\n\nChannel 0: Porma would be rough. I know the traffic was horrendous.\n\nChannel 1: Oh, don't tell me my client is coming home from UPS, but she won't be happy.\n\nChannel 0: No. No. Not at all. I've got your updated statement of advice ready to go if you've got a few minutes for me today.\n\nChannel 1: Yep. Yep. Two weeks.\n\nChannel 0: Perfect. I'm gonna send this off to your email address, but I'll just do the quick security check with you.\n\nChannel 1: Yep.\n\nChannel 0: So could I please confirm your date of birth and address, please?\n\nChannel 1: 07/02/1977 and 14 year old cousin Elmer Elmer Hills Green Camp.\n\nChannel 0: Sensational. And all calls are recorded for training and quality purposes, and I'm registered with ASIC as adviser one two seven three one zero five. Now, Lynn, I've got your is it purses dot com dot a u email address?\n\nChannel 1: Yep. P s's yeah. Letta p\n\nChannel 0: Pierce's.\n\nChannel 1: s's dot com dot\n\nChannel 0: Sorry.\n\nChannel 1: ai. Yep. Yep. That's\n\nChannel 0: Will\n\nChannel 1: it.\n\nChannel 0: you be able to look onto the document with me today?\n\nChannel 1: Yeah. I can. I'm just waiting for whatever\n\nChannel 0: K.\n\nChannel 1: to come through, and I'll be done.\n\nChannel 0: Alright. So I'll hit it now. It's usually pretty instant. And because you've already gone through Odoo documents with us before, it should come through pretty quickly, and it should come through\n\nChannel 1: Cool.\n\nChannel 0: as a signature request from Odoo.\n\nChannel 1: Okay.\n\nChannel 0: Now when you get that email, there's a number of attachments at the bottom, and then there's a a link to go through, like, signing if you're happy with the plan. So I just want you to go through the attachments with me first.\n\nChannel 1: Okay. Yep. It looks like it's just coming.\n\nChannel 0: Perfect.\n\nChannel 1: Yep. So this is on the oh, yep. Correct.\n\nChannel 0: So\n\nChannel 1: And\n\nChannel 0: the\n\nChannel 1: if\n\nChannel 0: one\n\nChannel 1: it's\n\nChannel 0: that\n\nChannel 1: on\n\nChannel 0: I\n\nChannel 1: the\n\nChannel 0: wanna\n\nChannel 1: quote. Yep.\n\nChannel 0: go through is not the quote just yet because I'm gonna refresh that one because they've got,\n\nChannel 1: Okay.\n\nChannel 0: like, a a thirty day expiry on them. So I'm gonna send you an updated one tomorrow so that you've\n\nChannel 1: Yep.\n\nChannel 0: got a full full thirty days for that not to expire. The\n\nChannel 1: Yep.\n\nChannel 0: one that I'm looking for is statement of advice.\n\nChannel 1: Alright. Is it going down? Okay. Cool.\n\nChannel 0: Yep. So if you can pop that open for me, you should see the nice beachfront city picture with my license details at the front, little Gold Coast picture for you.\n\nChannel 1: That's cool. Yep. Perfect.\n\nChannel 0: Cool.\n\nChannel 1: Got that one.\n\nChannel 0: So as always with these statements of advice, if you can scroll through to page four where it's got the scope of advice. I'm just gonna go through what we're doing and why. We'll go through the recommendations, make sure you're comfortable, see if anything's changed.\n\nChannel 1: Yep. Okay. Cool.\n\nChannel 0: So the main thing when it comes to the super is we had a bit of an updated chat, and you were still looking to reduce your risk level down on your super and just update a few of the investments to make sure it's running nice and smooth.\n\nChannel 1: Mhmm.\n\nChannel 0: K?\n\nChannel 1: Yep.\n\nChannel 0: Insurance wise, do you remember we were going through a bit of a reduction to trim your premiums down?\n\nChannel 1: Yep.\n\nChannel 0: Yep. And then\n\nChannel 1: That\n\nChannel 0: we've\n\nChannel 1: was\n\nChannel 0: included\n\nChannel 1: good. Okay.\n\nChannel 0: just a couple of usual reminders for estate planning just in terms of, like, wills and power of attorneys and beneficiary nominations, which we I believe we've sent out to you.\n\nChannel 1: Okay. I haven't got that yet. Okay.\n\nChannel 0: They should come through the old snail mail, so that might\n\nChannel 1: Oh, okay.\n\nChannel 0: take a couple\n\nChannel 1: Yep.\n\nChannel 0: more\n\nChannel 1: Sorry.\n\nChannel 0: days.\n\nChannel 1: Yep. No. That's okay. I was thinking\n\nChannel 0: Cool.\n\nChannel 1: I haven't quite got that yet. But yep. No. That's\n\nChannel 0: No. That's\n\nChannel 1: cool.\n\nChannel 0: alright.\n\nChannel 1: It might be here. Yep.\n\nChannel 0: If you have any trouble with those documents, just call the team. We can walk you through them in about two minutes flat.\n\nChannel 1: Cool. Okay. Oh, cool.\n\nChannel 0: K. If you go down past that, you've got the scope of advice that we're not giving advice on in this document. And what you should see, it should be page five and six, and it should list, like, budgeting, savings, debt, areas of advice.\n\nChannel 1: Yep. Sounds good. Cool.\n\nChannel 0: So what we're basically saying is we're focusing on the super and the insurance today. We're not giving you, like, budgeting advice or anything like\n\nChannel 1: No.\n\nChannel 0: that, but we have\n\nChannel 1: We're\n\nChannel 0: listed\n\nChannel 1: pretty good.\n\nChannel 0: down your goals. Yep. Perfect.\n\nChannel 1: Yep. Cool.\n\nChannel 0: If\n\nChannel 1: Sounds\n\nChannel 0: you\n\nChannel 1: like\n\nChannel 0: go\n\nChannel 1: a plan.\n\nChannel 0: past there, you've got can you go through to pages seven and eight? You've got the about you section and your assets and liabilities.\n\nChannel 1: Yep. Model s and some other yep. Colt car\n\nChannel 0: Yep.\n\nChannel 1: loan. Car through yep. My mortgage. Yep.\n\nChannel 0: Sensational. And if you go past that, we've got your current super. I've updated the figures there and your AIA insurance policy. And\n\nChannel 1: Sweet.\n\nChannel 0: if you keep\n\nChannel 1: Oh, okay.\n\nChannel 0: scrolling through with me, you've got your first policy through Super, and that's the one that we were talking about. It was, like, $12,000, 10,000 after the rebate. That's problem number one. And then your trauma, which was a little bit high, for the out of pocket premiums as well.\n\nChannel 1: Oh, yep. So that's one. Life TPD and life insurance life income protection. Okay. Cool.\n\nChannel 0: Yep. And then the\n\nChannel 1: So\n\nChannel 0: one after that on the next page is is called crisis recovery, but that's your trauma cover for heart attack, stroke, and cancer, and\n\nChannel 1: Yep.\n\nChannel 0: some protection there for Samuel and Sarah.\n\nChannel 1: Okay. Until are they 20 or 21, is that covered too?\n\nChannel 0: I'll actually have to double check. I thought it may have been 18, but it may convert over with some providers.\n\nChannel 1: I say because I thought my older two, they used to be when I was 21. I think it's or might even need 20. That's alright. It doesn't matter. I don't mind paying it until they're whatever age.\n\nThat's fine. Just leave them on there. That's cool.\n\nChannel 0: Cool.\n\nChannel 1: That's\n\nChannel 0: Can\n\nChannel 1: fine.\n\nChannel 0: I just quickly note down the ranges just so I can double check that in the background?\n\nChannel 1: My Samuel will be 16 in August, end of August, the twenty seventh,\n\nChannel 0: Yep.\n\nChannel 1: and Sarah is 14. Her birthday is February the twenty eighth of February two thousand twelve.\n\nChannel 0: Oh, perfect. Okay. So 14 birthdays in February, 16 birthdays in August. So we\n\nChannel 1: Yes.\n\nChannel 0: got a\n\nChannel 1: It\n\nChannel 0: little\n\nChannel 1: could\n\nChannel 0: bit\n\nChannel 1: be.\n\nChannel 0: of time there, but I will obviously keep an eye on that portion of the premiums too because it's not too much in\n\nChannel 1: No.\n\nChannel 0: terms of\n\nChannel 1: That's\n\nChannel 0: the\n\nChannel 1: fine.\n\nChannel 0: overall policy, but\n\nChannel 1: No.\n\nChannel 0: it's something to keep an eye on as well. So I'll put a note there for that. Okay.\n\nChannel 1: Shoot.\n\nChannel 0: So if you go past there, you'll get to your risk profile section.\n\nChannel 1: Yep.\n\nChannel 0: And this is where we were talking about going down from high growth to growth just to kind of pair back the risk level one peg.\n\nChannel 1: Yep. Yep.\n\nChannel 0: And if you\n\nChannel 1: Sounds\n\nChannel 0: go past\n\nChannel 1: good.\n\nChannel 0: there, you've got this one's a bit wording heavy, so I'll kinda summarize it for you, the strategy recommendations on thirteen and fourteen.\n\nChannel 1: Yep.\n\nChannel 0: So, basically, what we're doing is if you reduce your asset allocation from 90% shares property and gold, which is your growth risky assets, down to 80%, that puts you from a high growth to a growth risk level.\n\nChannel 1: Yep.\n\nChannel 0: On top of that, we've switched a few of the investments around to include a bit more on the lower fee passive options. So a bit better performance, bit lower investment fees. And the drawback of all of this is that if you reduce your growth assets down, you may get a slightly lower return long term for that risk trade off. K? The only other thing too is all the investments that you've got in your super, they're ETFs.\n\nSo we do brokerage where you pay a small amount to purchase them, and then ongoing from that point, they're kind of the lowest investment fees you can have.\n\nChannel 1: That sounds good.\n\nChannel 0: Yep. Now we factored that into the projections and everything. Can you please go down to pages fifteen and sixteen? There's a ginormous investment table with a whole bunch of red figures and\n\nChannel 1: Long.\n\nChannel 0: investment codes.\n\nChannel 1: Okay. Cool.\n\nChannel 0: K? So what I'm basically doing is the top one, which is your Benelong option, which was the the biggest drag on performance, that was\n\nChannel 1: Yep.\n\nChannel 0: sitting at 30% of your portfolio. We're replacing that with an option on the next page, the a 200, which is passive. It's gonna be half the amount allocated there, split\n\nChannel 1: Yep.\n\nChannel 0: between a couple of different options, and altogether, we're just updating the whole portfolio.\n\nChannel 1: Okay.\n\nChannel 0: Because, basically, with the losses from the Benelon, we're able to update all the other options and pretty much wipe out any capital gains tax issues under the hood of your super that you would normally get by switching investments regularly.\n\nChannel 1: Oh, okay. Because I lost so much on it on. Okay.\n\nChannel 0: So it kind of gives us an opportunity to use the loss to offset the gains from the ones that did really well and still update those without you having a bit of a 15% chop off on tax.\n\nChannel 1: Cool.\n\nChannel 0: So it's a bit of a handy strategy when it comes to your your hub super that we have full control of buying and selling investments when we do them and in what order because most other super funds, it's all just pulled in with everybody, and you've got no ability to influence that outcome.\n\nChannel 1: Okay. Well, that sounds good.\n\nChannel 0: K? The main two pages three pages, sorry, to look at will be seventeen, eighteen, and 19, which you will see a nice pretty colored pie chart there for your asset allocation.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Can you just have a quick look in the middle of that table? Middle row, you've got a growth total, kind of a gray bar, and it should go from 80%, 80%\n\nChannel 1: Yep.\n\nChannel 0: across that row. So, basically, your risk profile, you need about 80%. You're sitting at 90. We're trimming you down to 81,\n\nChannel 1: Okay.\n\nChannel 0: so to\n\nChannel 1: So\n\nChannel 0: speak.\n\nChannel 1: that's good. So cool.\n\nChannel 0: Yep. Now that'll influence the fluctuations by about 5%. So if there was a bad year where your super may go down twenty, twenty five percent, it may only go down 15 or 16 in proportion.\n\nChannel 1: Okay.\n\nChannel 0: K? Beyond that, you've got fee comparison below that, and it's a blue and gray table, current, recommended, and a difference on the right hand column. Can you make out those figures at all? Is it blurry? Can you can you read them?\n\nChannel 1: No. No. I just unzimmed them. That's called sleep.\n\nChannel 0: Perfect. So,\n\nChannel 1: Okay.\n\nChannel 0: basically, what's happening is the investment fees, it chops about two thirds of the investment fees off. The account stays the same, but the investment fees drop dramatically. And then we're also gonna trim off 1,300 in insurance premiums after the tax rebate,\n\nChannel 1: Hello?\n\nChannel 0: and that's not including the trim off for your out of pocket trauma policy.\n\nChannel 1: Oh, from I I I. Like I said, it might even be a little low a little bit good. That'll bump that\n\nChannel 0: Yeah.\n\nChannel 1: back up a bit. Cool.\n\nChannel 0: Improving the returns just really gets it back up to the right average because like I said, growth and high growth, you wanna be hitting that nine to 10% average. And, unfortunately, with that one option pulling you down, it dropped you back to single digits. So this will get you back up into that kind of double digit zone that we want you in.\n\nChannel 1: Yeah. Just one. Okay. Well, that sounds\n\nChannel 0: Next page, we got the projected balance, which it should impact things by about 30 to $50\n\nChannel 1: good.\n\nChannel 0: and\n\nChannel 1: Yep.\n\nChannel 0: give you a lot more consistency over a year, three years, five years, ten years. Any questions on the super side of things so far?\n\nChannel 1: No. That sounds good. Yeah. It seems like everything's back into line because it was sort of all out killed to there for a little while. So yep.\n\nNo. That sounds good. If I can go back\n\nChannel 0: Yeah.\n\nChannel 1: up to, what is it, a lump sum in ten years, so that'll be alright. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Well,\n\nChannel 0: That'll\n\nChannel 1: that's\n\nChannel 0: kinda\n\nChannel 1: good.\n\nChannel 0: get things going a lot better. And one of the problems that we had too is just with the premiums being so high, it was really with low returns really\n\nChannel 1: Training.\n\nChannel 0: pulling us over backwards.\n\nChannel 1: Yep.\n\nChannel 0: So\n\nChannel 1: That\n\nChannel 0: if\n\nChannel 1: sounds\n\nChannel 0: I trim\n\nChannel 1: good.\n\nChannel 0: it down, improve the returns, you're going back into the positive. And, like, we can't get you a million dollars in a year or two, but at least we can start getting it back\n\nChannel 1: Growing\n\nChannel 0: up there\n\nChannel 1: it.\n\nChannel 0: towards the 6 figures. Yeah.\n\nChannel 1: Yeah. Growing it a bit more as long as I can get over. No. That sounds good. That looks good.\n\nChannel 0: Cool. Last couple of things. So the insurance on the next section, I do apologize for the wordiness of the next two pages and the really giant table. You just have so many policies. It all interacts quite a lot.\n\nBasically, we're keeping the million and 85,000 of life and disability insurance as it is, but\n\nChannel 1: Yep.\n\nChannel 0: we were trimming down your income protection\n\nChannel 1: Yep.\n\nChannel 0: so that it was a bit more in line with 75% of your income.\n\nChannel 1: Yep. So it's back down to sort of like what everyone else is sort of paying really, isn't it? Instead of\n\nChannel 0: Yeah.\n\nChannel 1: being\n\nChannel 0: So\n\nChannel 1: way\n\nChannel 0: you're\n\nChannel 1: over.\n\nChannel 0: not paying over insured, paying\n\nChannel 1: Yep.\n\nChannel 0: more than what\n\nChannel 1: Yep.\n\nChannel 0: you claim on. And the good thing about this policy is because it was old, it kept it at a 75% maximum. Anything new is 70% maximum. So you get a little bit\n\nChannel 1: Oh,\n\nChannel 0: extra\n\nChannel 1: okay.\n\nChannel 0: to yourself that you can cover yourself for.\n\nChannel 1: So it's just oh, it's still on your thirty day waiting period. Oh, okay. So that's not too bad then. Okay.\n\nChannel 0: Yeah. And if we need to, we can push that out to 60 in ninety days. I don't know if AIA does sixty, but if the premiums jump up significantly next year, we can push that out if you've got the savings and leave behind you. But\n\nChannel 1: No.\n\nChannel 0: for now, we just\n\nChannel 1: I\n\nChannel 0: thought\n\nChannel 1: do.\n\nChannel 0: trim it down for the time\n\nChannel 1: Yeah.\n\nChannel 0: being.\n\nChannel 1: No. Nothing. That is fine. That sounds good. Looks good.\n\nPerhaps I'm\n\nChannel 0: K.\n\nChannel 1: not in touch with that piece.\n\nChannel 0: Trauma is going down to a 100,000 flat from a 100\n\nChannel 1: Yep.\n\nChannel 0: and 66,000, which is just, again, heart attack, stroke, cancer, organ failures, and a whole bunch of different medical conditions like\n\nChannel 1: Yep.\n\nChannel 0: bacterial meningitis, Crohn's disease, hemochromatosis, all the real fancy Latin names. That is your 100,000 lump sum to help with taking a bit of time off work, going private if you wanna pay for, you know, faster care or better care, and then, again,\n\nChannel 1: Lovely.\n\nChannel 0: 16,000 for the children for similar conditions.\n\nChannel 1: Yep. So is that the estimation? Is that what I'll be paying approximately out of one to nine out of pocket? Is that was\n\nChannel 0: Yeah.\n\nChannel 1: that Sarah\n\nChannel 0: Correct.\n\nChannel 1: and Samuel? Or is that\n\nChannel 0: So\n\nChannel 1: me?\n\nChannel 0: that's the one out of pocket, which I believe\n\nChannel 1: Okay.\n\nChannel 0: you're paying, like, 200 and,\n\nChannel 1: 40.\n\nChannel 0: actually\n\nChannel 1: Alright.\n\nChannel 0: yeah.\n\nChannel 1: It's $2.40\n\nChannel 0: I had that\n\nChannel 1: $2.07.\n\nChannel 0: noted down on the table. Yeah. Yearly premiums go down about 2,700 between both policies. But, yeah, it was about $2.40. It was quite a bit.\n\nChannel 1: Okay. It's about a $100 a month, so I think well, that's good. Okay. Do I need to do anything or that just is that in the snail mail is that in the snail mail coming? Is that what I need to sign?\n\nYep.\n\nChannel 0: So the snail mail is the beneficiaries. I'm going to send you the fresh alteration quote and alteration form\n\nChannel 1: Yep.\n\nChannel 0: with the same system tomorrow. I think we get the quote tomorrow.\n\nChannel 1: Okay.\n\nChannel 0: And then I\n\nChannel 1: Cool.\n\nChannel 0: just need you to sign that. I can get that submitted this week, and they\n\nChannel 1: Yep.\n\nChannel 0: will start doing trim downs, refunds, all that kind of thing.\n\nChannel 1: Okay. Cool. And I won't really have to do anything because that'll just be on your end and then you guys cool. Done. It's all good.\n\nChannel 0: Yep. Done. When you sign this statement of advice, we can switch your investments pretty well straight away, But\n\nChannel 1: Okay.\n\nChannel 0: it's just those two extra documents for the insurance, and then, yeah, we submit it. We follow it up, and it just happens in the background for you.\n\nChannel 1: Okay. And I don't know if I better just just not even coming out anymore. Oh, yeah. I love\n\nChannel 0: Correct.\n\nChannel 1: it.\n\nChannel 0: I don't remember when your billing date is for the trauma, though. I'm just having a look at your certificate of currency. Actually, let me grab that for you just so you know when the reduced one's coming out because, obviously, it still will debit out.\n\nChannel 1: Yep. No. That's fine.\n\nChannel 0: And we've obviously redisclosed things like the fees, the commissions, all that kind of thing for\n\nChannel 1: Yep.\n\nChannel 0: the insurance policy and the super. I have included from the annual review discussion that we did the service agreement with Oakview as well if you're still comfortable with the strategies, the services, and all that kind of thing.\n\nChannel 1: Yeah. That is fine. All\n\nChannel 0: Cool. Expiry.\n\nChannel 1: good.\n\nChannel 0: Yeah. We'll have to get back to you on your trauma debit. I do apologize.\n\nChannel 1: Actually,\n\nChannel 0: I thought I could have\n\nChannel 1: I might\n\nChannel 0: it.\n\nChannel 1: have to check when it comes out. Which account it comes out of.\n\nChannel 0: So I've got your\n\nChannel 1: Okay.\n\nChannel 0: life,\n\nChannel 1: Why?\n\nChannel 0: your TPD, income protection.\n\nChannel 1: Mine come the came out on the May 25.\n\nChannel 0: Also, something\n\nChannel 1: Yes.\n\nChannel 0: just come out.\n\nChannel 1: Yep. Yeah. That was $222.28 92 I paid.\n\nChannel 0: Yeah. Okay. So it is about that sort of $90,100 difference.\n\nChannel 1: Yep.\n\nChannel 0: Cool. Okay. That'll be lined up for the June premium, which will be\n\nChannel 1: Yep.\n\nChannel 0: good. Alright. So between the super, the insurance, and the just updating your beneficiaries to your spouse, do you have any questions for me, Lynn?\n\nChannel 1: No. That's fine. I'll just sign this one away, and then I do need to go and get my role organized after this. So\n\nChannel 0: Yeah.\n\nChannel 1: yep.\n\nChannel 0: And when we send through the AIA documents tomorrow for the trim down, Normally, they're pretty okay with stamping the signatures on there, but just to be safe, when you go through and click the purple buttons and it stamps your signature on, if you can just click on it, it'll do a pop up box and let you draw your signature so it matches your ID.\n\nChannel 1: Okay. Yep. No. I've already got one saved on my laptop so that's fine. Yep.\n\nChannel 0: Oh, wow.\n\nChannel 1: The\n\nChannel 0: Super\n\nChannel 1: same\n\nChannel 0: organized.\n\nChannel 1: as my license.\n\nChannel 0: Okay.\n\nChannel 1: Oh, we've been signing we've just had a bit of an incident last\n\nChannel 0: Yeah.\n\nChannel 1: two weeks ago and we've had to go through attorneys and lawyers and banks and everything. So we've all five\n\nChannel 0: Oh,\n\nChannel 1: of us\n\nChannel 0: heaps\n\nChannel 1: all\n\nChannel 0: of\n\nChannel 1: that\n\nChannel 0: paperwork.\n\nChannel 1: have been dealing with massive and you don't understand how banks work when people die. Banks are terrible.\n\nChannel 0: Yeah. I\n\nChannel 1: They\n\nChannel 0: don't\n\nChannel 1: want\n\nChannel 0: wanna\n\nChannel 1: everything.\n\nChannel 0: go through that.\n\nChannel 1: No. You don't. And I've just realized because wills and the part power of attorneys don't work.\n\nChannel 0: Right.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: The\n\nChannel 1: Unless\n\nChannel 0: banks\n\nChannel 1: this\n\nChannel 0: were\n\nChannel 1: don't yeah. We just had someone pass away, and they weren't satisfied on the power of attorney end. So, yeah, my partner's been really struggling with money and banks\n\nChannel 0: oh,\n\nChannel 1: and stuff. So you've really gotta sign properly. I've just realized,\n\nChannel 0: Yes. Yeah.\n\nChannel 1: get a get a power of attorney and you will certify.\n\nChannel 0: And I'm assuming if you don't do those properly, like, how long how long does it take to to sort that out?\n\nChannel 1: At the moment, we're looking at about nine months.\n\nChannel 0: Oh, jeez.\n\nChannel 1: Yeah. Because\n\nChannel 0: Yeah.\n\nChannel 1: it's\n\nChannel 0: You'd\n\nChannel 1: in New\n\nChannel 0: rather\n\nChannel 1: Zealand\n\nChannel 0: that\n\nChannel 1: as\n\nChannel 0: being done\n\nChannel 1: well.\n\nChannel 0: in\n\nChannel 1: So\n\nChannel 0: a week or two.\n\nChannel 1: yeah.\n\nChannel 0: Yeah.\n\nChannel 1: And everything's in New Zealand, so it's even twice as hard as a normal person to be in Australia. Yeah.\n\nChannel 0: Alright. So what we're doing is easy then. It's just\n\nChannel 1: Oh, this is, like, piece\n\nChannel 0: stamp\n\nChannel 1: of cake.\n\nChannel 0: it\n\nChannel 1: I\n\nChannel 0: on.\n\nChannel 1: could just do that. Not a problem. Yeah. No. I've been doing signatures and everything for the last couple of weeks.\n\nThis has been horrendous.\n\nChannel 0: Oh,\n\nChannel 1: So if anyone says the power of attorneys work, please don't listen to them because they don't.\n\nChannel 0: yep. Keep a very close eye on all the i's and the t's and everything.\n\nChannel 1: Yeah. And get everything satisfied by JPs and all these and stuff because, yeah, it's not pretty. So\n\nChannel 0: Yeah.\n\nChannel 1: now I'm\n\nChannel 0: That's\n\nChannel 1: gonna go\n\nChannel 0: unfortunate.\n\nChannel 1: and get our rules done so that we'll I'll be able to pop that in next year's one as well for Scott\n\nChannel 0: Yep.\n\nChannel 1: and I. But, you know, yeah, I will find that at the bottom where I can find it. Cool. Done.\n\nChannel 0: Perfect. Thank\n\nChannel 1: Alright.\n\nChannel 0: you so much for that, and thank you for spending the time with me today to go through that.\n\nChannel 1: Yep. Cool. So I just tomorrow, I'll just when it all comes through, just sign it and make sure it's all done.\n\nChannel 0: Yeah.\n\nChannel 1: And then\n\nChannel 0: And then\n\nChannel 1: wait.\n\nChannel 0: I'll send you a text message once we send it off to you just so you've got a heads up.\n\nChannel 1: Yep. Cool. I need this mail mail. Must be another few more days because, you know, doesn't get delivered very fast in our area.\n\nChannel 0: Yeah. Yeah. I'll double check on that. And, again, when you receive it, any questions, just call through.\n\nChannel 1: Yep. That's what I do. Cool. Thank you.\n\nChannel 0: Awesome, Lynn. You have a fantastic day, and I shall talk to you soon.\n\nChannel 1: Oh, okay. Cool. Thanks, Zoey. See you later.\n\nChannel 0: Thank you.\n\nChannel 1: Bye.\n\nChannel 0: Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"If you record your name and reason for calling, I'll see if this person is available.","start":0.16,"end":4.58,"sentiment":"neutral","sentiment_score":0.0026311053661629558}],"sentiment":"neutral","sentiment_score":0.0026311053661629558,"channel":1,"num_words":16,"start":0.16,"end":4.58},{"sentences":[{"text":"Tommy, Oakview Financial.","start":6.08,"end":7.7799997,"sentiment":"neutral","sentiment_score":0.03667947401603063}],"sentiment":"neutral","sentiment_score":0.03667947401603063,"channel":0,"num_words":3,"start":6.08,"end":7.7799997},{"sentences":[{"text":"Thanks.","start":12.16,"end":12.66,"sentiment":"positive","sentiment_score":0.3433663249015808},{"text":"Please stay on the 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horrendous.","start":33.39,"end":34.85,"sentiment":"negative","sentiment_score":-0.6096123158931732}],"sentiment":"negative","sentiment_score":-0.6021529138088226,"channel":0,"num_words":10,"start":32.43,"end":34.85},{"sentences":[{"text":"Oh, don't tell me my client is coming home from UPS, but she won't be happy.","start":35.62,"end":38.92,"sentiment":"negative","sentiment_score":-0.471883287653327}],"sentiment":"negative","sentiment_score":-0.471883287653327,"channel":1,"num_words":16,"start":35.62,"end":38.92},{"sentences":[{"text":"No.","start":39.484997,"end":39.725,"sentiment":"neutral","sentiment_score":-0.3317319452762604},{"text":"No.","start":39.725,"end":39.964996,"sentiment":"neutral","sentiment_score":-0.3242604434490204},{"text":"Not at all.","start":39.964996,"end":40.864998,"sentiment":"neutral","sentiment_score":-0.31819020708401996},{"text":"I've got your updated statement of advice ready to go if you've got a few minutes for me 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off.","start":438.445,"end":448.305,"sentiment":"neutral","sentiment_score":-0.28363983482122423},{"text":"K?","start":451.41998,"end":451.91998,"sentiment":"neutral","sentiment_score":0.04555526375770569},{"text":"The only other thing too is all the investments that you've got in your super, they're ETFs.","start":452.69998,"end":456.87997,"sentiment":"neutral","sentiment_score":0.2290947503026794}],"sentiment":"neutral","sentiment_score":0.037978576682507995,"channel":0,"num_words":80,"start":427.58,"end":456.87997},{"sentences":[{"text":"So we do brokerage where you pay a small amount to purchase them, and then ongoing from that point, they're kind of the lowest investment fees you can have.","start":457.09998,"end":466.0,"sentiment":"neutral","sentiment_score":0.29812698631451046}],"sentiment":"neutral","sentiment_score":0.29812698631451046,"channel":0,"num_words":29,"start":457.09998,"end":466.0},{"sentences":[{"text":"That sounds good.","start":467.095,"end":468.395,"sentiment":"positive","sentiment_score":0.7027557492256165}],"sentiment":"positive","sentiment_score":0.7027557492256165,"channel":1,"num_words":3,"start":467.095,"end":468.395},{"sentences":[{"text":"Yep.","start":468.325,"end":468.565,"sentiment":"neutral","sentiment_score":0.22626839578151703},{"text":"Now we factored that into the projections and everything.","start":468.565,"end":471.285,"sentiment":"neutral","sentiment_score":0.12173038555516137},{"text":"Can you please go down to pages fifteen and sixteen?","start":471.285,"end":474.725,"sentiment":"neutral","sentiment_score":0.035989179648458956},{"text":"There's a ginormous investment table with a whole bunch of red figures and","start":474.725,"end":479.125,"sentiment":"neutral","sentiment_score":0.058384623378515244}],"sentiment":"neutral","sentiment_score":0.07396162927828052,"channel":0,"num_words":33,"start":468.325,"end":479.125},{"sentences":[{"text":"Long.","start":479.11,"end":479.61,"sentiment":"neutral","sentiment_score":0.023784294724464417}],"sentiment":"neutral","sentiment_score":0.023784294724464417,"channel":1,"num_words":1,"start":479.11,"end":479.61},{"sentences":[{"text":"investment 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was","start":483.79,"end":491.79,"sentiment":"neutral","sentiment_score":-0.05734386077771584}],"sentiment":"neutral","sentiment_score":-0.052073737680912016,"channel":0,"num_words":25,"start":482.99002,"end":491.79},{"sentences":[{"text":"Yep.","start":491.59,"end":492.09,"sentiment":"neutral","sentiment_score":-0.07019560784101486}],"sentiment":"neutral","sentiment_score":-0.07019560784101486,"channel":1,"num_words":1,"start":491.59,"end":492.09},{"sentences":[{"text":"sitting at 30% of your portfolio.","start":491.79,"end":493.73,"sentiment":"neutral","sentiment_score":-0.0668767752746741},{"text":"We're replacing that with an option on the next page, the a 200, which is passive.","start":494.11002,"end":500.715,"sentiment":"neutral","sentiment_score":0.05331253632903099},{"text":"It's gonna be half the amount allocated there, split","start":500.85498,"end":504.055,"sentiment":"neutral","sentiment_score":0.0895005539059639}],"sentiment":"neutral","sentiment_score":0.040556287573229884,"channel":0,"num_words":31,"start":491.79,"end":504.055},{"sentences":[{"text":"Yep.","start":503.905,"end":504.405,"sentiment":"neutral","sentiment_score":0.05589139461517334}],"sentiment":"neutral","sentiment_score":0.05589139461517334,"channel":1,"num_words":1,"start":503.905,"end":504.405},{"sentences":[{"text":"between a couple of different options, and altogether, we're just updating the whole portfolio.","start":504.055,"end":508.31497,"sentiment":"neutral","sentiment_score":0.08056684397161007}],"sentiment":"neutral","sentiment_score":0.08056684397161007,"channel":0,"num_words":14,"start":504.055,"end":508.31497},{"sentences":[{"text":"Okay.","start":508.44,"end":508.94,"sentiment":"neutral","sentiment_score":0.14057892560958862}],"sentiment":"neutral","sentiment_score":0.14057892560958862,"channel":1,"num_words":1,"start":508.44,"end":508.94},{"sentences":[{"text":"Because, basically, with the losses from the Benelon, we're able to update all the other options and pretty much wipe out any capital gains tax issues under the hood of your super that you would normally get by switching investments regularly.","start":508.69498,"end":523.65,"sentiment":"neutral","sentiment_score":0.13307133553231634}],"sentiment":"neutral","sentiment_score":0.13307133553231634,"channel":0,"num_words":41,"start":508.69498,"end":523.65},{"sentences":[{"text":"Oh, okay.","start":524.455,"end":525.17505,"sentiment":"neutral","sentiment_score":0.10377919673919678},{"text":"Because I lost so much on it on.","start":525.17505,"end":527.03503,"sentiment":"neutral","sentiment_score":0.019532468169927597},{"text":"Okay.","start":527.09503,"end":527.59503,"sentiment":"neutral","sentiment_score":0.21946820616722107}],"sentiment":"neutral","sentiment_score":0.053026031364094124,"channel":1,"num_words":11,"start":524.455,"end":527.59503},{"sentences":[{"text":"So it kind of gives us an opportunity to use the loss to offset the gains from the ones that did really well and still update those without you having a bit of a 15% chop off on tax.","start":527.395,"end":537.335,"sentiment":"neutral","sentiment_score":0.24192420918589982}],"sentiment":"neutral","sentiment_score":0.24192420918589982,"channel":0,"num_words":39,"start":527.395,"end":537.335},{"sentences":[{"text":"Cool.","start":538.65,"end":539.15,"sentiment":"neutral","sentiment_score":0.04028944671154022}],"sentiment":"neutral","sentiment_score":0.04028944671154022,"channel":1,"num_words":1,"start":538.65,"end":539.15},{"sentences":[{"text":"So it's a bit of a handy strategy when it comes to your your hub super that we have full control of buying and selling investments when we do them and in what order because most other super funds, it's all just pulled in with everybody, and you've got no ability to influence that outcome.","start":539.59,"end":555.705,"sentiment":"neutral","sentiment_score":0.23084360753948038}],"sentiment":"neutral","sentiment_score":0.23084360753948038,"channel":0,"num_words":55,"start":539.59,"end":555.705},{"sentences":[{"text":"Okay.","start":556.135,"end":556.535,"sentiment":"positive","sentiment_score":0.3941612243652344},{"text":"Well, that sounds good.","start":556.535,"end":557.595,"sentiment":"positive","sentiment_score":0.5430535972118378}],"sentiment":"positive","sentiment_score":0.5132751226425171,"channel":1,"num_words":5,"start":556.135,"end":557.595},{"sentences":[{"text":"K?","start":557.28503,"end":557.78503,"sentiment":"neutral","sentiment_score":0.16681593656539917},{"text":"The main two pages three pages, sorry, to look at will be seventeen, eighteen, and 19, which you will see a nice pretty colored pie chart there for your asset allocation.","start":558.565,"end":568.25,"sentiment":"neutral","sentiment_score":0.1467768516271345}],"sentiment":"neutral","sentiment_score":0.14740307303145528,"channel":0,"num_words":32,"start":557.28503,"end":568.25},{"sentences":[{"text":"Okay.","start":568.86,"end":569.36,"sentiment":"neutral","sentiment_score":0.10349091142416},{"text":"Yep.","start":569.42,"end":569.92,"sentiment":"neutral","sentiment_score":0.09231813997030258}],"sentiment":"neutral","sentiment_score":0.09790452569723129,"channel":1,"num_words":2,"start":568.86,"end":569.92},{"sentences":[{"text":"Can you just have a quick look in the middle of that table?","start":570.23,"end":572.87,"sentiment":"neutral","sentiment_score":0.07675796260054295},{"text":"Middle row, you've got a growth total, kind of a gray bar, and it should go from 80%, 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81,","start":588.46497,"end":590.805,"sentiment":"neutral","sentiment_score":0.057428620755672455}],"sentiment":"neutral","sentiment_score":0.05803463811224157,"channel":0,"num_words":22,"start":582.785,"end":590.805},{"sentences":[{"text":"Okay.","start":591.27,"end":591.59,"sentiment":"neutral","sentiment_score":0.07964858412742615}],"sentiment":"neutral","sentiment_score":0.07964858412742615,"channel":1,"num_words":1,"start":591.27,"end":591.59},{"sentences":[{"text":"so 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that.","start":1130.815,"end":1131.5349,"sentiment":"neutral","sentiment_score":0.02776021370664239},{"text":"Not a problem.","start":1131.5349,"end":1132.1749,"sentiment":"neutral","sentiment_score":0.07467016329367955},{"text":"Yeah.","start":1132.1749,"end":1132.4149,"sentiment":"neutral","sentiment_score":-0.015769947320222855},{"text":"No.","start":1132.4149,"end":1132.6549,"sentiment":"neutral","sentiment_score":-0.19916775822639465},{"text":"I've been doing signatures and everything for the last couple of weeks.","start":1132.6549,"end":1135.135,"sentiment":"neutral","sentiment_score":-0.2235236850877603}],"sentiment":"neutral","sentiment_score":-0.12200812294724442,"channel":1,"num_words":21,"start":1130.815,"end":1135.135},{"sentences":[{"text":"This has been horrendous.","start":1135.135,"end":1136.2749,"sentiment":"negative","sentiment_score":-0.6519660502672195}],"sentiment":"negative","sentiment_score":-0.6519660502672195,"channel":1,"num_words":4,"start":1135.135,"end":1136.2749},{"sentences":[{"text":"Oh,","start":1135.8301,"end":1136.3301,"sentiment":"neutral","sentiment_score":-0.23887251317501068}],"sentiment":"neutral","sentiment_score":-0.23887251317501068,"channel":0,"num_words":1,"start":1135.8301,"end":1136.3301},{"sentences":[{"text":"So if anyone says the power of attorneys work, please don't listen to them because they don't.","start":1136.495,"end":1141.06,"sentiment":"neutral","sentiment_score":-0.3006666819838917}],"sentiment":"neutral","sentiment_score":-0.3006666819838917,"channel":1,"num_words":17,"start":1136.495,"end":1141.06},{"sentences":[{"text":"yep.","start":1141.365,"end":1141.865,"sentiment":"neutral","sentiment_score":-0.07572352886199951},{"text":"Keep a very close eye on all the i's and the t's and 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pretty.","start":1145.8401,"end":1149.78,"sentiment":"neutral","sentiment_score":-0.11139107251074165},{"text":"So","start":1150.56,"end":1150.8,"sentiment":"neutral","sentiment_score":-0.07231297343969345}],"sentiment":"neutral","sentiment_score":-0.10562922505454884,"channel":1,"num_words":18,"start":1145.4401,"end":1150.8},{"sentences":[{"text":"Yeah.","start":1150.74,"end":1151.14,"sentiment":"neutral","sentiment_score":-0.0850335955619812}],"sentiment":"neutral","sentiment_score":-0.0850335955619812,"channel":0,"num_words":1,"start":1150.74,"end":1151.14},{"sentences":[{"text":"now 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that we'll I'll be able to pop that in next year's one as well for Scott","start":1151.68,"end":1157.085,"sentiment":"neutral","sentiment_score":-0.09356054714457555}],"sentiment":"neutral","sentiment_score":-0.09356054714457555,"channel":1,"num_words":22,"start":1151.68,"end":1157.085},{"sentences":[{"text":"Yep.","start":1156.8201,"end":1157.3201,"sentiment":"neutral","sentiment_score":-0.038056571036577225}],"sentiment":"neutral","sentiment_score":-0.038056571036577225,"channel":0,"num_words":1,"start":1156.8201,"end":1157.3201},{"sentences":[{"text":"and I.","start":1157.085,"end":1158.125,"sentiment":"neutral","sentiment_score":-0.05058527737855911},{"text":"But, you know, yeah, I will find that at the bottom where I can find it.","start":1158.125,"end":1163.105,"sentiment":"neutral","sentiment_score":0.0008661983301863074},{"text":"Cool.","start":1163.565,"end":1164.065,"sentiment":"neutral","sentiment_score":0.1931300014257431},{"text":"Done.","start":1164.525,"end":1165.025,"sentiment":"neutral","sentiment_score":0.23400413990020752}],"sentiment":"neutral","sentiment_score":0.016991137992590666,"channel":1,"num_words":20,"start":1157.085,"end":1165.025},{"sentences":[{"text":"Perfect.","start":1166.0349,"end":1166.2749,"sentiment":"positive","sentiment_score":0.4291407763957978},{"text":"Thank","start":1166.2749,"end":1166.595,"sentiment":"positive","sentiment_score":0.50310218334198}],"sentiment":"positive","sentiment_score":0.46612147986888885,"channel":0,"num_words":2,"start":1166.0349,"end":1166.595},{"sentences":[{"text":"Alright.","start":1166.365,"end":1166.865,"sentiment":"positive","sentiment_score":0.489410400390625}],"sentiment":"positive","sentiment_score":0.489410400390625,"channel":1,"num_words":1,"start":1166.365,"end":1166.865},{"sentences":[{"text":"you so much for that, and thank you for spending the time with me today to go through that.","start":1166.595,"end":1170.855,"sentiment":"positive","sentiment_score":0.5720011701709345}],"sentiment":"positive","sentiment_score":0.5720011701709345,"channel":0,"num_words":19,"start":1166.595,"end":1170.855},{"sentences":[{"text":"Yep.","start":1170.42,"end":1170.92,"sentiment":"neutral","sentiment_score":0.2754760980606079},{"text":"Cool.","start":1171.3,"end":1171.8,"sentiment":"positive","sentiment_score":0.3695336580276489},{"text":"So I just tomorrow, I'll just when it all comes through, just sign it and make sure it's all done.","start":1171.8601,"end":1177.56,"sentiment":"neutral","sentiment_score":0.2667102634906769}],"sentiment":"neutral","sentiment_score":0.2717825011773543,"channel":1,"num_words":22,"start":1170.42,"end":1177.56},{"sentences":[{"text":"Yeah.","start":1178.21,"end":1178.5299,"sentiment":"neutral","sentiment_score":0.1489061564207077}],"sentiment":"neutral","sentiment_score":0.1489061564207077,"channel":0,"num_words":1,"start":1178.21,"end":1178.5299},{"sentences":[{"text":"And then","start":1178.26,"end":1178.8201,"sentiment":"neutral","sentiment_score":0.12251041457056999}],"sentiment":"neutral","sentiment_score":0.12251041457056999,"channel":1,"num_words":2,"start":1178.26,"end":1178.8201},{"sentences":[{"text":"And then","start":1178.5299,"end":1179.19,"sentiment":"neutral","sentiment_score":0.11905625835061073}],"sentiment":"neutral","sentiment_score":0.11905625835061073,"channel":0,"num_words":2,"start":1178.5299,"end":1179.19},{"sentences":[{"text":"wait.","start":1178.8201,"end":1179.3201,"sentiment":"neutral","sentiment_score":0.14192068576812744}],"sentiment":"neutral","sentiment_score":0.14192068576812744,"channel":1,"num_words":1,"start":1178.8201,"end":1179.3201},{"sentences":[{"text":"I'll send you a text message once we send it off to you just so you've got a heads up.","start":1179.4099,"end":1183.35,"sentiment":"neutral","sentiment_score":0.16842166893184185}],"sentiment":"neutral","sentiment_score":0.16842166893184185,"channel":0,"num_words":20,"start":1179.4099,"end":1183.35},{"sentences":[{"text":"Yep.","start":1183.435,"end":1183.755,"sentiment":"neutral","sentiment_score":0.23206983506679535},{"text":"Cool.","start":1183.755,"end":1183.995,"sentiment":"positive","sentiment_score":0.518734335899353},{"text":"I need this mail mail.","start":1183.995,"end":1185.1151,"sentiment":"neutral","sentiment_score":0.07324371635913848},{"text":"Must be another few more days because, you know, doesn't get delivered very fast in our area.","start":1185.1151,"end":1190.255,"sentiment":"neutral","sentiment_score":-0.20937945211634917}],"sentiment":"neutral","sentiment_score":-0.10176783055067062,"channel":1,"num_words":24,"start":1183.435,"end":1190.255},{"sentences":[{"text":"Yeah.","start":1190.705,"end":1191.105,"sentiment":"neutral","sentiment_score":0.08522302657365799},{"text":"Yeah.","start":1191.105,"end":1191.345,"sentiment":"neutral","sentiment_score":0.07574008405208588},{"text":"I'll double check on that.","start":1191.345,"end":1192.5449,"sentiment":"neutral","sentiment_score":0.1135704129934311},{"text":"And, again, when you receive it, any questions, just call through.","start":1192.5449,"end":1195.809,"sentiment":"neutral","sentiment_score":0.11160703748464584}],"sentiment":"neutral","sentiment_score":0.10869403266244465,"channel":0,"num_words":18,"start":1190.705,"end":1195.809},{"sentences":[{"text":"Yep.","start":1195.995,"end":1196.3151,"sentiment":"neutral","sentiment_score":0.19636520743370056},{"text":"That's what I do.","start":1196.3151,"end":1197.035,"sentiment":"neutral","sentiment_score":0.30931058526039124},{"text":"Cool.","start":1197.035,"end":1197.3551,"sentiment":"positive","sentiment_score":0.7314954400062561},{"text":"Thank you.","start":1197.3551,"end":1198.0951,"sentiment":"positive","sentiment_score":0.8133504390716553}],"sentiment":"positive","sentiment_score":0.473975483328104,"channel":1,"num_words":8,"start":1195.995,"end":1198.0951},{"sentences":[{"text":"Awesome, Lynn.","start":1198.369,"end":1199.0089,"sentiment":"positive","sentiment_score":0.8646858930587769},{"text":"You have a fantastic day, and I shall talk to you soon.","start":1199.0089,"end":1202.3889,"sentiment":"positive","sentiment_score":0.8136579692363739}],"sentiment":"positive","sentiment_score":0.8209476726395744,"channel":0,"num_words":14,"start":1198.369,"end":1202.3889},{"sentences":[{"text":"Oh, okay.","start":1202.299,"end":1202.7789,"sentiment":"positive","sentiment_score":0.40840788185596466},{"text":"Cool.","start":1202.7789,"end":1203.0189,"sentiment":"positive","sentiment_score":0.5959525108337402},{"text":"Thanks, Zoey.","start":1203.0189,"end":1203.6589,"sentiment":"positive","sentiment_score":0.7258603572845459},{"text":"See you later.","start":1203.6589,"end":1204.319,"sentiment":"positive","sentiment_score":0.5893164078394572}],"sentiment":"positive","sentiment_score":0.5790547765791416,"channel":1,"num_words":8,"start":1202.299,"end":1204.319},{"sentences":[{"text":"Thank you.","start":1204.209,"end":1204.7689,"sentiment":"positive","sentiment_score":0.6682738065719604}],"sentiment":"positive","sentiment_score":0.6682738065719604,"channel":0,"num_words":2,"start":1204.209,"end":1204.7689},{"sentences":[{"text":"Bye.","start":1204.539,"end":1205.039,"sentiment":"positive","sentiment_score":0.3442557752132416}],"sentiment":"positive","sentiment_score":0.3442557752132416,"channel":1,"num_words":1,"start":1204.539,"end":1205.039},{"sentences":[{"text":"Bye.","start":1204.7689,"end":1205.2689,"sentiment":"neutral","sentiment_score":0.2306102216243744}],"sentiment":"neutral","sentiment_score":0.2306102216243744,"channel":0,"num_words":1,"start":1204.7689,"end":1205.2689},{"sentences":[{"text":"Bye.","start":1205.179,"end":1205.679,"sentiment":"neutral","sentiment_score":-0.1104600578546524}],"sentiment":"neutral","sentiment_score":-0.1104600578546524,"channel":1,"num_words":1,"start":1205.179,"end":1205.679}]},"summary":{"result":"success","short":"The representative from Oakview Financial reminds Lynn to electronically sign necessary forms for her insurance policy and to review the documents. They also discuss reducing risk and investing in lower fee passive options, emphasizing the importance of maintaining a growth rate and improving returns for the customer. The speaker provides information on premiums and beneficiaries, emphasizing the need for proper signatures and inspection of policies. A recent incident where someone passed away is also discussed."},"intents":{"segments":[{"text":"you be able to look onto the document with me today? Yeah.","start_word":236,"end_word":247,"intents":[{"intent":"Request document review","confidence_score":0.0031593905}]},{"text":"go through is not the quote just yet because I'm gonna refresh that one because they've got, Okay. like, a a thirty day expiry on them. So I'm gonna send you an updated one tomorrow so that you've Yep. got a full full thirty days for that not to expire. The Yep.","start_word":378,"end_word":429,"intents":[{"intent":"Update plans","confidence_score":0.3086828}]},{"text":"No. That's That's cool. alright.","start_word":690,"end_word":694,"intents":[{"intent":"Confirm understanding","confidence_score":0.037969746}]},{"text":"If you have any trouble with those documents, just call the team. We can walk you through them in about two minutes flat. Cool.","start_word":700,"end_word":723,"intents":[{"intent":"Verify documents","confidence_score":0.0005991427},{"intent":"Provide guidance","confidence_score":0.033934645},{"intent":"Provide assistance","confidence_score":0.011014043},{"intent":"Guide through documents","confidence_score":0.0074866423}]},{"text":"If you have any trouble with those documents, just call the team. We can walk you through them in about two minutes flat. Cool. Okay. Oh, cool. K. If you go down past that, you've got the scope of advice that we're not giving advice on in this document. And what you should see, it should be page five and six, and it should list, like, budgeting, savings, debt, areas of advice. Yep.","start_word":700,"end_word":772,"intents":[{"intent":"Explain document details","confidence_score":0.005349725}]},{"text":"If Sounds you like go a plan. past there, you've got can you go through to pages seven and eight? You've got the about you section and your assets and liabilities. Yep.","start_word":817,"end_word":848,"intents":[{"intent":"Express interest in plans","confidence_score":0.000016982065}]},{"text":"So, basically, what we're doing is if you reduce your asset allocation from 90% shares property and gold, which is your growth risky assets, down to 80%, that puts you from a high growth to a growth risk level. Yep.","start_word":1274,"end_word":1313,"intents":[{"intent":"Promote investment recommendations","confidence_score":0.00010096314}]},{"text":"So it's a bit of a handy strategy when it comes to your your hub super that we have full control of buying and selling investments when we do them and in what order because most other super funds, it's all just pulled in with everybody, and you've got no ability to influence that outcome. Okay.","start_word":1629,"end_word":1684,"intents":[{"intent":"Educate about investment strategy","confidence_score":0.0010806443}]},{"text":"Improving the returns just really gets it back up to the right average because like I said, growth and high growth, you wanna be hitting that nine to 10% average. And, unfortunately, with that one option pulling you down, it dropped you back to single digits. So this will get you back up into that kind of double digit zone that we want you in.","start_word":1965,"end_word":2029,"intents":[{"intent":"Improve returns","confidence_score":0.5749263},{"intent":"Plan growth","confidence_score":0.0068095545}]},{"text":"Well, that sounds Next page, we got the projected balance, which it should impact things by about 30 to $50 good. and Yep.","start_word":2033,"end_word":2055,"intents":[{"intent":"Update balance","confidence_score":0.0018115458}]},{"text":"Any questions on the super side of things so far?","start_word":2071,"end_word":2080,"intents":[{"intent":"Discuss super side","confidence_score":0.050468523}]},{"text":"And one of the problems that we had too is just with the premiums being so high, it was really with low returns really Training. pulling us over backwards. Yep.","start_word":2147,"end_word":2176,"intents":[{"intent":"Resolve premium issues","confidence_score":0.0032208264}]},{"text":"So the insurance on the next section, I do apologize for the wordiness of the next two pages and the really giant table. You just have so many policies. It all interacts quite a lot. Basically, we're keeping the million and 85,000 of life and disability insurance as it is, but Yep. we were trimming down your income protection Yep. so that it was a bit more in line with 75% of your income. Yep.","start_word":2252,"end_word":2326,"intents":[{"intent":"Maintain insurance","confidence_score":0.018765407}]},{"text":"And if we need to, we can push that out to 60 in ninety days. I don't know if AIA does sixty, but if the premiums jump up significantly next year, we can push that out if you've got the savings and leave behind you. But No.","start_word":2429,"end_word":2475,"intents":[{"intent":"Maximize insurance premiums","confidence_score":0.011259354}]},{"text":"When you sign this statement of advice, we can switch your investments pretty well straight away, But Okay. it's just those two extra documents for the insurance, and then, yeah, we submit it. We follow it up, and it just happens in the background for you. Okay.","start_word":2818,"end_word":2864,"intents":[{"intent":"Update insurance policy changes","confidence_score":0.0000025411316}]},{"text":"Which account it comes out of. So I've got your Okay. life, Why? your TPD, income protection. Mine come the came out on the May 25. Also, something Yes. just come out. Yep.","start_word":3030,"end_word":3062,"intents":[{"intent":"Get accounts","confidence_score":0.0000034206785}]},{"text":"That'll be lined up for the June premium, which will be Yep. good. Alright. So between the super, the insurance, and the just updating your beneficiaries to your spouse, do you have any questions for me, Lynn? No.","start_word":3084,"end_word":3121,"intents":[{"intent":"Provide insurance","confidence_score":0.0096594645}]},{"text":"I'll just sign this one away, and then I do need to go and get my role organized after this. So Yeah.","start_word":3124,"end_word":3145,"intents":[{"intent":"Organize roles","confidence_score":0.020498268}]},{"text":"And when we send through the AIA documents tomorrow for the trim down, Normally, they're pretty okay with stamping the signatures on there, but just to be safe, when you go through and click the purple buttons and it stamps your signature on, if you can just click on it, it'll do a pop up box and let you draw your signature so it matches your ID. Okay.","start_word":3147,"end_word":3214,"intents":[{"intent":"Verify documents","confidence_score":0.00882846}]},{"text":"Yeah. get a get a power of attorney and you will certify. And I'm assuming if you don't do those properly, like, how long how long does it take to to sort that out?","start_word":3376,"end_word":3409,"intents":[{"intent":"Verify power of attorney compliance","confidence_score":0.0042453585}]}]},"sentiments":{"segments":[{"text":"If you record your name and reason for calling, I'll see if this person is available. Tommy, Oakview Financial.","start_word":0,"end_word":18,"sentiment":"neutral","sentiment_score":0.01105363480746746},{"text":"Thanks.","start_word":19,"end_word":19,"sentiment":"positive","sentiment_score":0.3433663249015808},{"text":"Please stay on the line. Hello. I'm speaking. Good afternoon, Lynn. It's Tommy here again from Oakview. How have you been?","start_word":20,"end_word":40,"sentiment":"neutral","sentiment_score":0.1922656297683716},{"text":"I'm good. How are you? I'm living the dream. It's a beautiful rainy day on the Gold Coast.","start_word":41,"end_word":58,"sentiment":"positive","sentiment_score":0.47961658239364624},{"text":"What about your end? Oh, it's Ryan and the Gold Coast. I know it's pouring out I of my know. house.","start_word":59,"end_word":79,"sentiment":"neutral","sentiment_score":-0.061408862471580505},{"text":"Porma would be rough. I know the traffic was horrendous. Oh, don't tell me my client is coming home from UPS, but she won't be happy.","start_word":80,"end_word":105,"sentiment":"negative","sentiment_score":-0.5308565497398376},{"text":"No. No. Not at all. I've got your updated statement of advice ready to go if you've got a few minutes for me today. Yep. Yep. Two weeks.","start_word":106,"end_word":133,"sentiment":"neutral","sentiment_score":-0.05117647722363472},{"text":"Perfect.","start_word":134,"end_word":134,"sentiment":"positive","sentiment_score":0.41701021790504456},{"text":"I'm gonna send this off to your email address, but I'll just do the quick security check with you. Yep. So could I please confirm your date of birth and address, please? 07/02/1977 and 14 year old cousin Elmer Elmer Hills Green Camp. Sensational. And all calls are recorded for training and quality purposes, and I'm registered with ASIC as adviser one two seven three one zero five. Now, Lynn, I've got your is it purses dot com dot a u email address? Yep. P s's yeah. Letta p Pierce's. s's dot com dot Sorry. ai. Yep. Yep. That's Will it. you be able to look onto the document with me today? Yeah. I can. I'm just waiting for whatever K. to come through, and I'll be done. Alright. So I'll hit it now. It's usually pretty instant. And because you've already gone through Odoo documents with us before, it should come through pretty quickly, and it should come through Cool. as a signature request from Odoo. Okay. Now when you get that email, there's a number of attachments at the bottom, and then there's a a link to go through, like, signing if you're happy with the plan. So I just want you to go through the attachments with me first. Okay. Yep. It looks like it's just coming.","start_word":135,"end_word":354,"sentiment":"neutral","sentiment_score":0.09856995019045744},{"text":"Perfect.","start_word":355,"end_word":355,"sentiment":"positive","sentiment_score":0.640900731086731},{"text":"Yep. So this is on the oh, yep. Correct. So And the if one it's that on I the wanna quote. Yep. go through is not the quote just yet because I'm gonna refresh that one because they've got, Okay. like, a a thirty day expiry on them. So I'm gonna send you an updated one tomorrow so that you've Yep. got a full full thirty days for that not to expire. The Yep. one that I'm looking for is statement of advice. Alright. Is it going down? Okay. Cool. Yep. So if you can pop that open for me, you should see the nice beachfront city picture with my license details at the front, little Gold Coast picture for you.","start_word":356,"end_word":476,"sentiment":"neutral","sentiment_score":0.11937852948904036},{"text":"That's cool. Yep. Perfect. Cool. Got that one.","start_word":477,"end_word":484,"sentiment":"positive","sentiment_score":0.5054773688316345},{"text":"So as always with these statements of advice, if you can scroll through to page four where it's got the scope of advice. I'm just gonna go through what we're doing and why. We'll go through the recommendations, make sure you're comfortable, see if anything's changed. Yep. Okay.","start_word":485,"end_word":532,"sentiment":"neutral","sentiment_score":0.1933101862668991},{"text":"Cool. So the main thing when it comes to the super is we had a bit of an updated chat, and you were still looking to reduce your risk level down on your super and just update a few of the investments to make sure it's running nice and smooth.","start_word":533,"end_word":582,"sentiment":"positive","sentiment_score":0.364262729883194},{"text":"Mhmm. K? Yep. Insurance wise, do you remember we were going through a bit of a reduction to trim your premiums down? Yep. Yep. And then That we've was included good. Okay. just a couple of usual reminders for estate planning just in terms of, like, wills and power of attorneys and beneficiary nominations, which we I believe we've sent out to you. Okay. I haven't got that yet. Okay. They should come through the old snail mail, so that might Oh, okay. take a couple Yep. more Sorry. days. Yep. No. That's okay. I was thinking Cool. I haven't quite got that yet. But yep. No. No. That's That's cool. alright. It might be here. Yep. If you have any trouble with those documents, just call the team. We can walk you through them in about two minutes flat. Cool. Okay. Oh, cool. K. If you go down past that, you've got the scope of advice that we're not giving advice on in this document. And what you should see, it should be page five and six, and it should list, like, budgeting, savings, debt, areas of advice. Yep.","start_word":583,"end_word":772,"sentiment":"neutral","sentiment_score":0.013301452077729136},{"text":"Sounds good.","start_word":773,"end_word":774,"sentiment":"positive","sentiment_score":0.3535629212856293},{"text":"Cool. So what we're basically saying is we're focusing on the super and the insurance today. We're not giving you, like, budgeting advice or anything like No. that, but we have We're listed pretty good. down your goals. Yep.","start_word":775,"end_word":813,"sentiment":"neutral","sentiment_score":0.03838280588388443},{"text":"Perfect.","start_word":814,"end_word":814,"sentiment":"positive","sentiment_score":0.35643330216407776},{"text":"Yep. Cool. If Sounds you like go a plan. past there, you've got can you go through to pages seven and eight? You've got the about you section and your assets and liabilities. Yep. Model s and some other yep. Colt car Yep. loan. Car through yep. My mortgage. Yep. Sensational. And if you go past that, we've got your current super. I've updated the figures there and your AIA insurance policy. And Sweet. if you keep Oh, okay. scrolling through with me, you've got your first policy through Super, and that's the one that we were talking about. It was, like, $12,000, 10,000 after the rebate. That's problem number one. And then your trauma, which was a little bit high, for the out of pocket premiums as well. Oh, yep. So that's one. Life TPD and life insurance life income protection. Okay.","start_word":815,"end_word":957,"sentiment":"neutral","sentiment_score":-0.01248054998321133},{"text":"Cool.","start_word":958,"end_word":958,"sentiment":"positive","sentiment_score":0.40172937512397766},{"text":"Yep. And then the So one after that on the next page is is called crisis recovery, but that's your trauma cover for heart attack, stroke, and cancer, and Yep. some protection there for Samuel and Sarah. Okay. Until are they 20 or 21, is that covered too? I'll actually have to double check. I thought it may have been 18, but it may convert over with some providers. I say because I thought my older two, they used to be when I was 21. I think it's or might even need 20. That's alright. It doesn't matter. I don't mind paying it until they're whatever age. That's fine. Just leave them on there.","start_word":959,"end_word":1072,"sentiment":"neutral","sentiment_score":0.0620027557015419},{"text":"That's cool. Cool.","start_word":1073,"end_word":1075,"sentiment":"positive","sentiment_score":0.5164976119995117},{"text":"That's Can fine. I just quickly note down the ranges just so I can double check that in the background? My Samuel will be 16 in August, end of August, the twenty seventh, Yep. and Sarah is 14. Her birthday is February the twenty eighth of February two thousand twelve. Oh, perfect. Okay. So 14 birthdays in February, 16 birthdays in August. So we Yes. got a It little could bit be. of time there, but I will obviously keep an eye on that portion of the premiums too because it's not too much in No. terms of That's the fine. overall policy, but No. it's something to keep an eye on as well. So I'll put a note there for that. Okay. Shoot. So if you go past there, you'll get to your risk profile section. Yep. And this is where we were talking about going down from high growth to growth just to kind of pair back the risk level one peg. Yep. Yep. And if you Sounds go past good. there, you've got this one's a bit wording heavy, so I'll kinda summarize it for you, the strategy recommendations on thirteen and fourteen. Yep. So, basically, what we're doing is if you reduce your asset allocation from 90% shares property and gold, which is your growth risky assets, down to 80%, that puts you from a high growth to a growth risk level. Yep. On top of that, we've switched a few of the investments around to include a bit more on the lower fee passive options. So a bit better performance, bit lower investment fees. And the drawback of all of this is that if you reduce your growth assets down, you may get a slightly lower return long term for that risk trade off. K? The only other thing too is all the investments that you've got in your super, they're ETFs. So we do brokerage where you pay a small amount to purchase them, and then ongoing from that point, they're kind of the lowest investment fees you can have.","start_word":1076,"end_word":1421,"sentiment":"neutral","sentiment_score":0.06531561788365331},{"text":"That sounds good.","start_word":1422,"end_word":1424,"sentiment":"positive","sentiment_score":0.6830580830574036},{"text":"Yep. Now we factored that into the projections and everything. Can you please go down to pages fifteen and sixteen? There's a ginormous investment table with a whole bunch of red figures and Long. investment codes. Okay. Cool. K? So what I'm basically doing is the top one, which is your Benelong option, which was the the biggest drag on performance, that was Yep. sitting at 30% of your portfolio. We're replacing that with an option on the next page, the a 200, which is passive. It's gonna be half the amount allocated there, split Yep. between a couple of different options, and altogether, we're just updating the whole portfolio. Okay. Because, basically, with the losses from the Benelon, we're able to update all the other options and pretty much wipe out any capital gains tax issues under the hood of your super that you would normally get by switching investments regularly. Oh, okay. Because I lost so much on it on. Okay. So it kind of gives us an opportunity to use the loss to offset the gains from the ones that did really well and still update those without you having a bit of a 15% chop off on tax.","start_word":1425,"end_word":1626,"sentiment":"neutral","sentiment_score":0.09654215723276138},{"text":"Cool.","start_word":1627,"end_word":1627,"sentiment":"positive","sentiment_score":0.34314268827438354},{"text":"So it's a bit of a handy strategy when it comes to your your hub super that we have full control of buying and selling investments when we do them and in what order because most other super funds, it's all just pulled in with everybody, and you've got no ability to influence that outcome.","start_word":1628,"end_word":1682,"sentiment":"neutral","sentiment_score":0.23203378915786743},{"text":"Okay. Well, that sounds good.","start_word":1683,"end_word":1687,"sentiment":"positive","sentiment_score":0.4952306151390076},{"text":"K? The main two pages three pages, sorry, to look at will be seventeen, eighteen, and 19, which you will see a nice pretty colored pie chart there for your asset allocation. Okay. Yep. Can you just have a quick look in the middle of that table? Middle row, you've got a growth total, kind of a gray bar, and it should go from 80%, 80% Yep. across that row. So, basically, your risk profile, you need about 80%. You're sitting at 90. We're trimming you down to 81, Okay. so to So speak.","start_word":1688,"end_word":1781,"sentiment":"neutral","sentiment_score":0.09317101538181304},{"text":"that's good. So cool.","start_word":1782,"end_word":1785,"sentiment":"positive","sentiment_score":0.5271356105804443},{"text":"Yep. Now that'll influence the fluctuations by about 5%. So if there was a bad year where your super may go down twenty, twenty five percent, it may only go down 15 or 16 in proportion. Okay. K? Beyond that, you've got fee comparison below that, and it's a blue and gray table, current, recommended, and a difference on the right hand column. Can you make out those figures at all? Is it blurry? Can you can you read them? No. No. I just unzimmed them. That's called sleep.","start_word":1786,"end_word":1874,"sentiment":"neutral","sentiment_score":-0.03380173444747925},{"text":"Perfect.","start_word":1875,"end_word":1875,"sentiment":"positive","sentiment_score":0.35331565141677856},{"text":"So, Okay. basically, what's happening is the investment fees, it chops about two thirds of the investment fees off. The account stays the same, but the investment fees drop dramatically. And then we're also gonna trim off 1,300 in insurance premiums after the tax rebate, Hello? and that's not including the trim off for your out of pocket trauma policy. Oh, from I I I. Like I said, it might even be a little low a little bit good. That'll bump that Yeah. back up a bit.","start_word":1876,"end_word":1962,"sentiment":"neutral","sentiment_score":0.0584818534553051},{"text":"Cool. Improving the returns just really gets it back up to the right average because like I said, growth and high growth, you wanna be hitting that nine to 10% average.","start_word":1963,"end_word":1993,"sentiment":"positive","sentiment_score":0.45324271628933566},{"text":"And, unfortunately, with that one option pulling you down, it dropped you back to single digits.","start_word":1994,"end_word":2009,"sentiment":"negative","sentiment_score":-0.35155588388442993},{"text":"So this will get you back up into that kind of double digit zone that we want you in. Yeah. Just one. Okay. Well, that sounds Next page, we got the projected balance, which it should impact things by about 30 to $50 good. and Yep.","start_word":2010,"end_word":2055,"sentiment":"neutral","sentiment_score":0.08777697384357452},{"text":"give you a lot more consistency over a year, three years, five years, ten years.","start_word":2056,"end_word":2070,"sentiment":"positive","sentiment_score":0.338253915309906},{"text":"Any questions on the super side of things so far? No. That sounds good. Yeah. It seems like everything's back into line because it was sort of all out killed to there for a little while. So yep. No. That sounds good. If I can go back Yeah. up to, what is it, a lump sum in ten years, so that'll be alright. Yeah. Yeah.","start_word":2071,"end_word":2135,"sentiment":"neutral","sentiment_score":0.04800436273217201},{"text":"Well, That'll that's kinda good. get things going a lot better.","start_word":2136,"end_word":2146,"sentiment":"positive","sentiment_score":0.3917836546897888},{"text":"And one of the problems that we had too is just with the premiums being so high, it was really with low returns really Training. pulling us over backwards. Yep. So That if sounds I trim good. it down, improve the returns, you're going back into the positive. And, like, we can't get you a million dollars in a year or two, but at least we can start getting it back Growing up there it. towards the 6 figures. Yeah. Yeah. Growing it a bit more as long as I can get over. No. That sounds good.","start_word":2147,"end_word":2243,"sentiment":"neutral","sentiment_score":-0.013691267929971218},{"text":"That looks good.","start_word":2244,"end_word":2246,"sentiment":"positive","sentiment_score":0.4362444281578064},{"text":"Cool. Last couple of things. So the insurance on the next section, I do apologize for the wordiness of the next two pages and the really giant table. You just have so many policies. It all interacts quite a lot. Basically, we're keeping the million and 85,000 of life and disability insurance as it is, but Yep. we were trimming down your income protection Yep. so that it was a bit more in line with 75% of your income. Yep. So it's back down to sort of like what everyone else is sort of paying really, isn't it? Instead of Yeah. being So way you're over. not paying over insured, paying Yep. more than what Yep. you claim on.","start_word":2247,"end_word":2365,"sentiment":"neutral","sentiment_score":0.025590952065139384},{"text":"And the good thing about this policy is because it was old, it kept it at a 75% maximum.","start_word":2366,"end_word":2384,"sentiment":"positive","sentiment_score":0.432605504989624},{"text":"Anything new is 70% maximum. So you get a little bit Oh, extra okay. to yourself that you can cover yourself for. So it's just oh, it's still on your thirty day waiting period. Oh, okay. So that's not too bad then. Okay. Yeah. And if we need to, we can push that out to 60 in ninety days. I don't know if AIA does sixty, but if the premiums jump up significantly next year, we can push that out if you've got the savings and leave behind you. But No. for now, we just I thought do. trim it down for the time Yeah. being. No. Nothing. That is fine.","start_word":2385,"end_word":2495,"sentiment":"neutral","sentiment_score":0.1633894443511963},{"text":"That sounds good.","start_word":2496,"end_word":2498,"sentiment":"positive","sentiment_score":0.4064300060272217},{"text":"Looks good. Perhaps K. I'm not in touch with that piece. Trauma is going down to a 100,000 flat from a 100 Yep. and 66,000, which is just, again, heart attack, stroke, cancer, organ failures, and a whole bunch of different medical conditions like Yep. bacterial meningitis, Crohn's disease, hemochromatosis, all the real fancy Latin names. That is your 100,000 lump sum to help with taking a bit of time off work, going private if you wanna pay for, you know, faster care or better care, and then, again, Lovely. 16,000 for the children for similar conditions. Yep. So is that the estimation? Is that what I'll be paying approximately out of one to nine out of pocket? Is that was Yeah. that Sarah Correct. and Samuel? Or is that So me? that's the one out of pocket, which I believe Okay. you're paying, like, 200 and, 40. actually Alright. yeah. It's $2.40 I had that $2.07. noted down on the table. Yeah. Yearly premiums go down about 2,700 between both policies. But, yeah, it was about $2.40. It was quite a bit. Okay.","start_word":2499,"end_word":2682,"sentiment":"neutral","sentiment_score":-0.004149262950269748},{"text":"It's about a $100 a month, so I think well, that's good.","start_word":2683,"end_word":2694,"sentiment":"positive","sentiment_score":0.47118785977363586},{"text":"Okay. Do I need to do anything or that just is that in the snail mail is that in the snail mail coming? Is that what I need to sign? Yep. So the snail mail is the beneficiaries. I'm going to send you the fresh alteration quote and alteration form Yep. with the same system tomorrow. I think we get the quote tomorrow. Okay. And then I Cool. just need you to sign that. I can get that submitted this week, and they Yep. will start doing trim downs, refunds, all that kind of thing. Okay.","start_word":2695,"end_word":2790,"sentiment":"neutral","sentiment_score":0.09064839035272598},{"text":"Cool.","start_word":2791,"end_word":2791,"sentiment":"positive","sentiment_score":0.3521358370780945},{"text":"And I won't really have to do anything because that'll just be on your end and then you guys cool.","start_word":2792,"end_word":2811,"sentiment":"neutral","sentiment_score":0.30139490962028503},{"text":"Done. It's all good.","start_word":2812,"end_word":2815,"sentiment":"positive","sentiment_score":0.49297046661376953},{"text":"Yep. Done. When you sign this statement of advice, we can switch your investments pretty well straight away, But Okay. it's just those two extra documents for the insurance, and then, yeah, we submit it. We follow it up, and it just happens in the background for you. Okay. And I don't know if I better just just not even coming out anymore. Oh, yeah. I love Correct. it. I don't remember when your billing date is for the trauma, though. I'm just having a look at your certificate of currency. Actually, let me grab that for you just so you know when the reduced one's coming out because, obviously, it still will debit out. Yep. No. That's fine. And we've obviously redisclosed things like the fees, the commissions, all that kind of thing for Yep. the insurance policy and the super. I have included from the annual review discussion that we did the service agreement with Oakview as well if you're still comfortable with the strategies, the services, and all that kind of thing. Yeah. That is fine. All Cool. Expiry. good. Yeah. We'll have to get back to you on your trauma debit. I do apologize. Actually, I thought I could have I might it. have to check when it comes out. Which account it comes out of. So I've got your Okay. life, Why? your TPD, income protection. Mine come the came out on the May 25. Also, something Yes. just come out. Yep. Yeah. That was $222.28 92 I paid. Yeah. Okay. So it is about that sort of $90,100 difference. Yep.","start_word":2816,"end_word":3081,"sentiment":"neutral","sentiment_score":0.04753066927082557},{"text":"Cool.","start_word":3082,"end_word":3082,"sentiment":"positive","sentiment_score":0.3792175054550171},{"text":"Okay.","start_word":3083,"end_word":3083,"sentiment":"neutral","sentiment_score":0.22870993614196777},{"text":"That'll be lined up for the June premium, which will be Yep. good.","start_word":3084,"end_word":3096,"sentiment":"positive","sentiment_score":0.39360758662223816},{"text":"Alright. So between the super, the insurance, and the just updating your beneficiaries to your spouse, do you have any questions for me, Lynn? No. That's fine. I'll just sign this one away, and then I do need to go and get my role organized after this. So Yeah. yep. And when we send through the AIA documents tomorrow for the trim down, Normally, they're pretty okay with stamping the signatures on there, but just to be safe, when you go through and click the purple buttons and it stamps your signature on, if you can just click on it, it'll do a pop up box and let you draw your signature so it matches your ID. Okay. Yep. No. I've already got one saved on my laptop so that's fine. Yep. Oh, wow. The Super same organized. as my license. Okay. Oh, we've been signing we've just had a bit of an incident last Yeah. two weeks ago and we've had to go through attorneys and lawyers and banks and everything. So we've all five Oh, of us heaps all of that paperwork. have been dealing with massive and you don't understand how banks work when people die.","start_word":3097,"end_word":3295,"sentiment":"neutral","sentiment_score":0.01367525290697813},{"text":"Banks are terrible.","start_word":3296,"end_word":3298,"sentiment":"negative","sentiment_score":-0.5402560830116272},{"text":"Yeah.","start_word":3299,"end_word":3299,"sentiment":"neutral","sentiment_score":-0.25538232922554016},{"text":"I They don't want wanna everything.","start_word":3300,"end_word":3305,"sentiment":"negative","sentiment_score":-0.3556325137615204},{"text":"go through that. No. You don't. And I've just realized because wills and the part power of attorneys don't work. Right. Yeah. Yeah. The Unless banks this were don't yeah.","start_word":3306,"end_word":3335,"sentiment":"neutral","sentiment_score":-0.29948484897613525},{"text":"We just had someone pass away, and they weren't satisfied on the power of attorney end.","start_word":3336,"end_word":3351,"sentiment":"negative","sentiment_score":-0.3856552541255951},{"text":"So, yeah, my partner's been really struggling with money and banks oh, and stuff. So you've really gotta sign properly. I've just realized, Yes. Yeah. get a get a power of attorney and you will certify. And I'm assuming if you don't do those properly, like, how long how long does it take to to sort that out? At the moment, we're looking at about nine months. Oh, jeez. Yeah. Because Yeah. it's You'd in New rather Zealand that as being done well. in So a week or two. yeah. Yeah. And everything's in New Zealand, so it's even twice as hard as a normal person to be in Australia. Yeah. Alright. So what we're doing is easy then. It's just Oh, this is, like, piece stamp of cake. it I on. could just do that. Not a problem. Yeah. No. I've been doing signatures and everything for the last couple of weeks.","start_word":3352,"end_word":3504,"sentiment":"neutral","sentiment_score":-0.050724368542432785},{"text":"This has been horrendous.","start_word":3505,"end_word":3508,"sentiment":"negative","sentiment_score":-0.6344927549362183},{"text":"Oh, So if anyone says the power of attorneys work, please don't listen to them because they don't. yep. Keep a very close eye on all the i's and the t's and everything. Yeah. And get everything satisfied by JPs and all these and stuff because, yeah, it's not pretty. So Yeah. now I'm That's gonna go unfortunate. and get our rules done so that we'll I'll be able to pop that in next year's one as well for Scott Yep. and I. But, you know, yeah, I will find that at the bottom where I can find it. Cool. Done.","start_word":3509,"end_word":3609,"sentiment":"neutral","sentiment_score":-0.11014734208583832},{"text":"Perfect. Thank Alright. you so much for that, and thank you for spending the time with me today to go through that.","start_word":3610,"end_word":3631,"sentiment":"positive","sentiment_score":0.546923816204071},{"text":"Yep.","start_word":3632,"end_word":3632,"sentiment":"neutral","sentiment_score":0.2754760980606079},{"text":"Cool.","start_word":3633,"end_word":3633,"sentiment":"positive","sentiment_score":0.3695336580276489},{"text":"So I just tomorrow, I'll just when it all comes through, just sign it and make sure it's all done. Yeah. And then And then wait. I'll send you a text message once we send it off to you just so you've got a heads up. Yep.","start_word":3634,"end_word":3680,"sentiment":"neutral","sentiment_score":0.21092016994953156},{"text":"Cool.","start_word":3681,"end_word":3681,"sentiment":"positive","sentiment_score":0.518734335899353},{"text":"I need this mail mail. Must be another few more days because, you know, doesn't get delivered very fast in our area. Yeah. Yeah. I'll double check on that. And, again, when you receive it, any questions, just call through. Yep. That's what I do.","start_word":3682,"end_word":3726,"sentiment":"neutral","sentiment_score":0.022601312026381493},{"text":"Cool. Thank you. Awesome, Lynn. You have a fantastic day, and I shall talk to you soon. Oh, okay. Cool. Thanks, Zoey. See you later. Thank you. Bye.","start_word":3727,"end_word":3754,"sentiment":"positive","sentiment_score":0.6922929883003235},{"text":"Bye. Bye.","start_word":3755,"end_word":3756,"sentiment":"neutral","sentiment_score":0.21204936504364016}],"average":{"sentiment":"neutral","sentiment_score":0.06630137108573493}}}}