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Did you have a chance to eat way too much chocolate and enjoy yourself? It's always kinda nice of you. You get a little bit of meal time. I, unfortunately I was unfortunately woken up way too early by three very excited children, and then they proceeded to eat way too much chocolate and run around and destroy the house. Yeah. Mine are all early rises. I got my 13 year old is not a typical 13 year old. He's at 4AM, alright, like, wake up. So the house is always moving early, unfortunately. They're they're beautiful ages. Three and two, they still absolutely follow everything you say and love and respect what you what you say. By the time they get to five, they're starting to realize that, you know, maybe maybe their mates are right. Mom and dad aren't. My youngest is five, and he's just started realizing that life outside mom and dad exists. Anyways, the reason my day my call today was to, guess, go through and have a chat because we we did a what what was called a statement of advice with you back in July, and then you've obviously life's taken over as life does, and we haven't heard from you since. So I I wanna, I guess, touch base and and reengage with you and make sure that everything's okay. And then second to that is, I guess, trying to make sure that we can get the advice implemented with you as well. So I guess before we jump into it, I do need to let you know our call's recorded even though we are well into that. And then if I can just get you to confirm security for me. It's full name, date of birth, and address. Now from that, what I wanna do is, I guess, confirm that the details I have on file are correct. So I have your income down as $120,000 a year. Is that still correct? Roughly, as in bonuses may change that or roughly as in the the increase in the yeah. Okay. Perfect. So we have three dependents, and I have you down as defacto. Yep. Perfect. And then your role will you yep. Oh, okay. No. That's okay. Perfect. So last October, you you you have a new partner? Yeah. That's okay. So the three kids that we have because I did previously have that you had two. I'm assuming your new partner comes with one. I love a good amalgamated family. Cool. Makes it fun. So with with your new partner, did you want me to change her to be a next of kin? Or yep. What was her name? D r a c e. And I'm gonna definitely need you to spell that last name. D e u a r. Okay. T e u e r o n o m. So November or Mike Mike. Perfect. Alright. Get married. You'll be able to spell her last name real easy. Perfect. So I'm assuming she comes with the three year old. Yeah. Cool. Oh, I see. It fits perfectly between your two. That's nice. Amazing. And I have you as a, like, a supervisor on Hazel Dean's. Still the case? Yep. Fantastic. Now with our like, with where you're at right now, what we were looking to do previously was do a bit of a update to your your superannuation and change the investment a little bit. Obviously, the market's changed over the last twelve months, so I wanna definitely have a look and see whether we're whether we if there's anything else we can do in terms of making some slight adjustment or changes. But with the fact that you have slipped from your partner, you have a new partner, is there anything else that perhaps we need to look at considering or where you're currently at or where you're wanting to head towards? Yep. Yep. Okay. And how are we going with the savings? Are we putting decent money away? Yeah. Because I was gonna say you had the motor vehicle loan. Do you know where that fits now? Okay. That's good. So 13 to 14 k left. This is fantastic. We still own do we still own both of the cars? Okay. Cool. So, like, you're keeping the car that has the the load on it, and still have the other car. Okay. Alright. So we're gonna be down to one car. And then how much money we put away in savings each week or month? I'm gonna try to pay the car loan. Okay. So we're just trying to pay the car loan off as fast as possible right now, and then once the car loan's paid off. K. And we're still looking to live around the Kangaroo Flat area? Yeah. Do you know what sort of house price range you'll be looking at? K. And have you spoken to, like, a a broker yet in terms of, like, what you would need for servicing or how much you would need to have saved for a deposit to be able to purchase? Oh, that's fantastic. Yeah. Put towards that deposit. Yeah. No. That's really good. Okay. Cool. And last time we spoke, you were sort of your rent was around $330 per week. So are we looking at the same kind of rent for the next twelve months when you do move? Less? Alright, Luki. So you're still there? Right. So we're gonna be taking on a bit more. Okay. That's okay. Alright. So, like, with I guess I guess with the splitting from your ex, what kind of child arrangements do you have? Is there is there child support that needs to be paid or anything like that? Yeah. Okay. So that's taking a big chunk of income as well. Yeah. Do you have a do you have a private arrangement, or do you have a, like, court ordered? Yep. Okay. Oh, that's good. Are we going to sort of more, like, a closer to $50.50? Or oh, that's awesome. Oh, okay. That's great. You'll you'll be able to spend more time with the kids. Yeah. It's kinda sad you miss them when they're gone. Yeah. Okay. Perfect. So from that, with with everything where like, where it is, I guess, the savings for the house, I guess, you're already sort of on track to do it, focusing on getting that loan paid down and and obviously finalizing the split from your ex. Obviously, finances are a little bit up in the air, so putting anything any money away to anything other than paying down the debts and getting, you know, yourself up and running in with your new spouse and, you know, purchasing a home is probably the biggest goal focus. Yeah. So I guess right now, the biggest thing we can probably focus on is just keeping things really super quite simple. What I wanna do is I wanna do an overhaul of your superannuation fund and get rid of any of the underlying or or lacklustre investments. Just give it a bit of a refresh and get it get it going from there. The one thing I do, I guess, wanna wanna look at, that's probably a conversation for maybe twelve months down the line when we do have the house, but I wanna, I guess, put it to focus now is your insurance policy that you do have with. You have, like, 800 and, you know, $850,000 roughly of life and TPD, and you got your income protection there. I just wanna make sure that maybe in twelve months' time whether that's still appropriate given where you're gonna be and the house purchase when we do go down that line. Obviously, if something happened to you today, that is going to be ample to buy a house outright. So, you know, the kids are gonna be looked after in, you know, in some sense by having a house. But I just wanna sort of raise focus to that area. The other thing, I guess, we should probably look at given the fact that you have split from your ex is what beneficiaries you wanna have listed on the policies. Because if anything were to happen to you, the money needs to be directed somewhere. And we need to probably look at where you want that money directed, whether it's to your new partner or whether it's to the kids, because the kids can be the recipient. Okay. And you're happy for it to go to the kids? Because realistically, going to the kids means that your ex is gonna get the money. So she will remain guardian or she's the other parent. Like, there's because the kids are are so little, they can't control money. So the kids will get them money, but it'll be basically given to directs to look after them. And if you're comfortable and happy with that, then there's there's nothing wrong. The only other way to do things would be to direct the money to your estate and have a will in place that dictates where things need to go. The superannuation is really, really limited in who can accept the money. Your ex, because she's no longer your spouse, isn't actually a valid nomination. Your kids will always be a valid nomination. Your current partner is currently a valid nomination. If anything happens there, obviously, she wouldn't be anymore. And then with your stepchild, if you would've it's just god's sake. If something would've happened and you would've split from your current partner, but you still obviously had that father child relationship with your stepchild, and you wanted to leave money to them because the relationship is resolved with your current partner or with Grace, that child is actually no longer a child connected to you through a relationship. Therefore, that child is not a valid nomination either. So it's it can get it can get messy when you when we have those beautiful amalgamated families. And a will does become a very easy way to do things and make sure that the people that you want get the money, and it allows you to dictate very specific things that you wanna include as well. So if, you know, you have a brother and you wanna leave him watch, you can do that that way as well. And it means that you can restrict your with Jessica, wasn't that? Restrict Jessica from getting the money if you don't want her to specifically have the money, but you want the money to be there for the kids. Generally speaking, that would mean a trust needs to be set up so that way the money can be used for the kids specifically. Yeah. But what I can do is I can get the the beneficiary document sent out to you, and we can nominate nominate your estate, or you can you can, you know, sit down, have a chat with with your partner or family and and figure out whether, you know, the money which way the money goes or how you specifically wanna do it. If you do have any questions when the documents get to you about how we can do things, I can definitely sit down. We can break it down a little bit more. I just know that me dumping this information on you right this second and you having no time to consider it, you're probably going, I yeah. So I'll get the documents posted to you because they do need to be posted. Yeah. Yeah. Of course. The oldest street? I can do you have a printer? Because I can I can email them to you for your print? Yeah. Cool. I can do it that way. I'll email them to you to print them and find them and fill them out. Cool. So that covers everything off there. I guess from here, what I need to do is I wanna go obviously, this conversation allows me to, a, confirm whether anything changed. And while things did change for you and, like, they are major, I guess, for the focus of the advice piece, it's it it it doesn't change too too much. But with the market and the climate the way it is, I wanna have another look through a potential investment options and just make sure that we're on that front. The advice document's obviously, like, 10 old, so the climate and and the market has definitely changed. So what I wanna do is I just wanna go and do a bit of a refresh through that advice document, get some, you know, different assets swapped out. I'm just looking at some of them. They're pretty solid, but I wanna definitely swap out a couple of them. And then are you comfortable if I give you a call in a week, so a week today? Yep. We can do the same time. And what we'll do is we will I'll go through the investment options that I picked for this. It'll give you a week to sit down and consider what happens with the beneficiary form, and we can kinda go from there with respect to where everything fits. And and, yeah, go from there. Alright. Perfect. Did you have any questions for me while we were on the phone? Alright. Perfect. I'll get cracking with this. We'll speak in a week, and I'll get an email out to you today with the form. No problem. Little little big fan like it. 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Good morning, Lucas. Larissa here from o two Financial. How are you going? Yeah.\n\nI'm really good. Thank you. How was your extra long weekend? Did you have a chance to eat way too much chocolate and enjoy yourself? It's always kinda nice of you.\n\nYou get a little bit of meal time. I, unfortunately I was unfortunately woken up way too early by three very excited children, and then they proceeded to eat way too much chocolate and run around and destroy the house. Yeah. Mine are all early rises. I got my 13 year old is not a typical 13 year old.\n\nHe's at 4AM, alright, like, wake up. So the house is always moving early, unfortunately. They're they're beautiful ages. Three and two, they still absolutely follow everything you say and love and respect what you what you say. By the time they get to five, they're starting to realize that, you know, maybe maybe their mates are right.\n\nMom and dad aren't. My youngest is five, and he's just started realizing that life outside mom and dad exists. Anyways, the reason my day my call today was to, guess, go through and have a chat because we we did a what what was called a statement of advice with you back in July, and then you've obviously life's taken over as life does, and we haven't heard from you since. So I I wanna, I guess, touch base and and reengage with you and make sure that everything's okay. And then second to that is, I guess, trying to make sure that we can get the advice implemented with you as well.\n\nSo I guess before we jump into it, I do need to let you know our call's recorded even though we are well into that. And then if I can just get you to confirm security for me. It's full name, date of birth, and address. Now from that, what I wanna do is, I guess, confirm that the details I have on file are correct. So I have your income down as $120,000 a year.\n\nIs that still correct? Roughly, as in bonuses may change that or roughly as in the the increase in the yeah. Okay. Perfect. So we have three dependents, and I have you down as defacto.\n\nYep. Perfect. And then your role will you yep. Oh, okay. No.\n\nThat's okay. Perfect. So last October, you you you have a new partner? Yeah. That's okay.\n\nSo the three kids that we have because I did previously have that you had two. I'm assuming your new partner comes with one. I love a good amalgamated family. Cool. Makes it fun.\n\nSo with with your new partner, did you want me to change her to be a next of kin? Or yep. What was her name? D r a c e. And I'm gonna definitely need you to spell that last name.\n\nD e u a r. Okay. T e u e r o n o m. So November or Mike Mike. Perfect.\n\nAlright. Get married. You'll be able to spell her last name real easy. Perfect. So I'm assuming she comes with the three year old.\n\nYeah. Cool. Oh, I see. It fits perfectly between your two. That's nice.\n\nAmazing. And I have you as a, like, a supervisor on Hazel Dean's. Still the case? Yep. Fantastic.\n\nNow with our like, with where you're at right now, what we were looking to do previously was do a bit of a update to your your superannuation and change the investment a little bit. Obviously, the market's changed over the last twelve months, so I wanna definitely have a look and see whether we're whether we if there's anything else we can do in terms of making some slight adjustment or changes. But with the fact that you have slipped from your partner, you have a new partner, is there anything else that perhaps we need to look at considering or where you're currently at or where you're wanting to head towards? Yep. Yep.\n\nOkay. And how are we going with the savings? Are we putting decent money away? Yeah. Because I was gonna say you had the motor vehicle loan.\n\nDo you know where that fits now? Okay. That's good. So 13 to 14 k left. This is fantastic.\n\nWe still own do we still own both of the cars? Okay. Cool. So, like, you're keeping the car that has the the load on it, and still have the other car. Okay.\n\nAlright. So we're gonna be down to one car. And then how much money we put away in savings each week or month? I'm gonna try to pay the car loan. Okay.\n\nSo we're just trying to pay the car loan off as fast as possible right now, and then once the car loan's paid off. K. And we're still looking to live around the Kangaroo Flat area? Yeah. Do you know what sort of house price range you'll be looking at?\n\nK. And have you spoken to, like, a a broker yet in terms of, like, what you would need for servicing or how much you would need to have saved for a deposit to be able to purchase? Oh, that's fantastic. Yeah. Put towards that deposit.\n\nYeah. No. That's really good. Okay. Cool.\n\nAnd last time we spoke, you were sort of your rent was around $330 per week. So are we looking at the same kind of rent for the next twelve months when you do move? Less? Alright, Luki. So you're still there?\n\nRight. So we're gonna be taking on a bit more. Okay. That's okay. Alright.\n\nSo, like, with I guess I guess with the splitting from your ex, what kind of child arrangements do you have? Is there is there child support that needs to be paid or anything like that? Yeah. Okay. So that's taking a big chunk of income as well.\n\nYeah. Do you have a do you have a private arrangement, or do you have a, like, court ordered? Yep. Okay. Oh, that's good.\n\nAre we going to sort of more, like, a closer to $50.50? Or oh, that's awesome. Oh, okay. That's great. You'll you'll be able to spend more time with the kids.\n\nYeah. It's kinda sad you miss them when they're gone. Yeah. Okay. Perfect.\n\nSo from that, with with everything where like, where it is, I guess, the savings for the house, I guess, you're already sort of on track to do it, focusing on getting that loan paid down and and obviously finalizing the split from your ex. Obviously, finances are a little bit up in the air, so putting anything any money away to anything other than paying down the debts and getting, you know, yourself up and running in with your new spouse and, you know, purchasing a home is probably the biggest goal focus. Yeah. So I guess right now, the biggest thing we can probably focus on is just keeping things really super quite simple. What I wanna do is I wanna do an overhaul of your superannuation fund and get rid of any of the underlying or or lacklustre investments.\n\nJust give it a bit of a refresh and get it get it going from there. The one thing I do, I guess, wanna wanna look at, that's probably a conversation for maybe twelve months down the line when we do have the house, but I wanna, I guess, put it to focus now is your insurance policy that you do have with. You have, like, 800 and, you know, $850,000 roughly of life and TPD, and you got your income protection there. I just wanna make sure that maybe in twelve months' time whether that's still appropriate given where you're gonna be and the house purchase when we do go down that line. Obviously, if something happened to you today, that is going to be ample to buy a house outright.\n\nSo, you know, the kids are gonna be looked after in, you know, in some sense by having a house. But I just wanna sort of raise focus to that area. The other thing, I guess, we should probably look at given the fact that you have split from your ex is what beneficiaries you wanna have listed on the policies. Because if anything were to happen to you, the money needs to be directed somewhere. And we need to probably look at where you want that money directed, whether it's to your new partner or whether it's to the kids, because the kids can be the recipient.\n\nOkay. And you're happy for it to go to the kids? Because realistically, going to the kids means that your ex is gonna get the money. So she will remain guardian or she's the other parent. Like, there's because the kids are are so little, they can't control money.\n\nSo the kids will get them money, but it'll be basically given to directs to look after them. And if you're comfortable and happy with that, then there's there's nothing wrong. The only other way to do things would be to direct the money to your estate and have a will in place that dictates where things need to go. The superannuation is really, really limited in who can accept the money. Your ex, because she's no longer your spouse, isn't actually a valid nomination.\n\nYour kids will always be a valid nomination. Your current partner is currently a valid nomination. If anything happens there, obviously, she wouldn't be anymore. And then with your stepchild, if you would've it's just god's sake. If something would've happened and you would've split from your current partner, but you still obviously had that father child relationship with your stepchild, and you wanted to leave money to them because the relationship is resolved with your current partner or with Grace, that child is actually no longer a child connected to you through a relationship.\n\nTherefore, that child is not a valid nomination either. So it's it can get it can get messy when you when we have those beautiful amalgamated families. And a will does become a very easy way to do things and make sure that the people that you want get the money, and it allows you to dictate very specific things that you wanna include as well. So if, you know, you have a brother and you wanna leave him watch, you can do that that way as well. And it means that you can restrict your with Jessica, wasn't that?\n\nRestrict Jessica from getting the money if you don't want her to specifically have the money, but you want the money to be there for the kids. Generally speaking, that would mean a trust needs to be set up so that way the money can be used for the kids specifically. Yeah. But what I can do is I can get the the beneficiary document sent out to you, and we can nominate nominate your estate, or you can you can, you know, sit down, have a chat with with your partner or family and and figure out whether, you know, the money which way the money goes or how you specifically wanna do it. If you do have any questions when the documents get to you about how we can do things, I can definitely sit down.\n\nWe can break it down a little bit more. I just know that me dumping this information on you right this second and you having no time to consider it, you're probably going, I yeah. So I'll get the documents posted to you because they do need to be posted. Yeah. Yeah.\n\nOf course. The oldest street? I can do you have a printer? Because I can I can email them to you for your print? Yeah.\n\nCool. I can do it that way. I'll email them to you to print them and find them and fill them out. Cool. So that covers everything off there.\n\nI guess from here, what I need to do is I wanna go obviously, this conversation allows me to, a, confirm whether anything changed. And while things did change for you and, like, they are major, I guess, for the focus of the advice piece, it's it it it doesn't change too too much. But with the market and the climate the way it is, I wanna have another look through a potential investment options and just make sure that we're on that front. The advice document's obviously, like, 10 old, so the climate and and the market has definitely changed. So what I wanna do is I just wanna go and do a bit of a refresh through that advice document, get some, you know, different assets swapped out.\n\nI'm just looking at some of them. They're pretty solid, but I wanna definitely swap out a couple of them. And then are you comfortable if I give you a call in a week, so a week today? Yep. We can do the same time.\n\nAnd what we'll do is we will I'll go through the investment options that I picked for this. It'll give you a week to sit down and consider what happens with the beneficiary form, and we can kinda go from there with respect to where everything fits. And and, yeah, go from there. Alright. Perfect.\n\nDid you have any questions for me while we were on the phone? Alright. Perfect. I'll get cracking with this. We'll speak in a week, and I'll get an email out to you today with the form.\n\nNo problem. Little little big fan like it. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":4.64,"end":4.96,"sentiment":"neutral","sentiment_score":0.16045282781124115},{"text":"Good morning, Lucas.","start":4.96,"end":6.02,"sentiment":"positive","sentiment_score":0.35821303725242615},{"text":"Larissa here from o two Financial.","start":6.08,"end":7.68,"sentiment":"neutral","sentiment_score":0.2506490821639697},{"text":"How are you going?","start":7.68,"end":8.5,"sentiment":"neutral","sentiment_score":0.2648243047297001},{"text":"Yeah.","start":10.0,"end":10.4,"sentiment":"positive","sentiment_score":0.4863646924495697}],"sentiment":"neutral","sentiment_score":0.28564322292804717,"num_words":15,"start":4.64,"end":10.4},{"sentences":[{"text":"I'm really good.","start":10.4,"end":11.28,"sentiment":"positive","sentiment_score":0.7310259540875753},{"text":"Thank you.","start":11.28,"end":11.759999,"sentiment":"positive","sentiment_score":0.7328545153141022},{"text":"How was your extra long weekend?","start":11.759999,"end":13.28,"sentiment":"positive","sentiment_score":0.342021440466245},{"text":"Did you have a chance to eat way too much chocolate and enjoy yourself?","start":13.28,"end":17.515,"sentiment":"neutral","sentiment_score":0.13099495587604387},{"text":"It's always kinda nice of you.","start":23.414999,"end":25.015,"sentiment":"positive","sentiment_score":0.7255768279234568}],"sentiment":"positive","sentiment_score":0.3838163188868953,"num_words":31,"start":10.4,"end":25.015},{"sentences":[{"text":"You get a little bit of meal time.","start":25.015,"end":26.954998,"sentiment":"neutral","sentiment_score":0.24444065243005753},{"text":"I, unfortunately I was unfortunately woken up way too early by three very excited children, and then they proceeded to eat way too much chocolate and run around and destroy the house.","start":29.52,"end":39.86,"sentiment":"negative","sentiment_score":-0.48246764531359076},{"text":"Yeah.","start":45.265,"end":45.765,"sentiment":"neutral","sentiment_score":-0.022172963246703148},{"text":"Mine are all early rises.","start":45.905,"end":47.425,"sentiment":"neutral","sentiment_score":-0.07434637099504471},{"text":"I got my 13 year old is not a typical 13 year old.","start":47.425,"end":50.225,"sentiment":"neutral","sentiment_score":-0.09714024513959885}],"sentiment":"neutral","sentiment_score":-0.2566130073835789,"num_words":59,"start":25.015,"end":50.225},{"sentences":[{"text":"He's at 4AM, alright, like, wake up.","start":50.225,"end":52.56,"sentiment":"neutral","sentiment_score":-0.09294568534408297},{"text":"So the house is always moving early, unfortunately.","start":52.640003,"end":55.780003,"sentiment":"neutral","sentiment_score":-0.15496317110955715},{"text":"They're they're beautiful ages.","start":60.88,"end":62.88,"sentiment":"neutral","sentiment_score":0.1390752363950014},{"text":"Three and two, they still absolutely follow everything you say and love and respect what you what you say.","start":62.88,"end":69.715,"sentiment":"neutral","sentiment_score":0.13558562844991684},{"text":"By the time they get to five, they're starting to realize that, you know, maybe maybe their mates are right.","start":72.41499,"end":78.174995,"sentiment":"neutral","sentiment_score":-0.014348986116237939}],"sentiment":"neutral","sentiment_score":0.016467637888252222,"num_words":58,"start":50.225,"end":78.174995},{"sentences":[{"text":"Mom and dad aren't.","start":78.174995,"end":79.235,"sentiment":"neutral","sentiment_score":-0.08243760466575623},{"text":"My youngest is five, and he's just started realizing that life outside mom and dad exists.","start":80.48,"end":86.1,"sentiment":"neutral","sentiment_score":0.0752787112724036},{"text":"Anyways, the reason my day my call today was to, guess, go through and have a chat because we we did a what what was called a statement of advice with you back in July, and then you've obviously life's taken over as life does, and we haven't heard from you since.","start":91.04,"end":108.675,"sentiment":"neutral","sentiment_score":-0.012446177729333822},{"text":"So I I wanna, I guess, touch base and and reengage with you and make sure that everything's okay.","start":109.33,"end":114.79,"sentiment":"neutral","sentiment_score":0.10414584059464305},{"text":"And then second to that is, I guess, trying to make sure that we can get the advice implemented with you as well.","start":115.25,"end":122.07,"sentiment":"neutral","sentiment_score":0.07981206849217415}],"sentiment":"neutral","sentiment_score":0.03545575672270436,"num_words":114,"start":78.174995,"end":122.07},{"sentences":[{"text":"So I guess before we jump into it, I do need to let you know our call's recorded even though we are well into that.","start":123.085,"end":127.825005,"sentiment":"neutral","sentiment_score":-0.02427057836204767},{"text":"And then if I can just get you to confirm security for me.","start":128.525,"end":131.885,"sentiment":"neutral","sentiment_score":0.03865441164145103},{"text":"It's full name, date of birth, and address.","start":131.885,"end":133.985,"sentiment":"neutral","sentiment_score":0.03215080639347434},{"text":"Now from that, what I wanna do is, I guess, confirm that the details I have on file are correct.","start":146.395,"end":155.375,"sentiment":"neutral","sentiment_score":0.04811589187011123},{"text":"So I have your income down as $120,000 a year.","start":156.475,"end":165.17,"sentiment":"neutral","sentiment_score":0.03817744376137853}],"sentiment":"neutral","sentiment_score":0.019697916032256263,"num_words":76,"start":123.085,"end":165.17},{"sentences":[{"text":"Is that still correct?","start":165.17,"end":166.70999,"sentiment":"neutral","sentiment_score":0.036321054212749004},{"text":"Roughly, as in bonuses may change that or roughly as in the the increase in the yeah.","start":170.05,"end":183.545,"sentiment":"neutral","sentiment_score":-0.00024925101110163857},{"text":"Okay.","start":183.545,"end":183.865,"sentiment":"neutral","sentiment_score":0.12492280453443529},{"text":"Perfect.","start":183.865,"end":184.365,"sentiment":"positive","sentiment_score":0.36781203746795654},{"text":"So we have three dependents, and I have you down as defacto.","start":187.01,"end":190.15,"sentiment":"neutral","sentiment_score":0.21665426716208458}],"sentiment":"neutral","sentiment_score":0.09238951421741928,"num_words":35,"start":165.17,"end":190.15},{"sentences":[{"text":"Yep.","start":192.45,"end":192.95,"sentiment":"neutral","sentiment_score":0.1364424228668213},{"text":"Perfect.","start":193.97,"end":194.47,"sentiment":"neutral","sentiment_score":0.24528664350509644},{"text":"And then your role will you yep.","start":194.93001,"end":198.15,"sentiment":"neutral","sentiment_score":0.03566710145345756},{"text":"Oh, okay.","start":210.045,"end":210.685,"sentiment":"neutral","sentiment_score":0.019166153855621815},{"text":"No.","start":210.685,"end":210.845,"sentiment":"neutral","sentiment_score":0.0033464524894952774}],"sentiment":"neutral","sentiment_score":0.05608979472890496,"num_words":12,"start":192.45,"end":210.845},{"sentences":[{"text":"That's okay.","start":210.845,"end":211.565,"sentiment":"neutral","sentiment_score":0.06254957243800163},{"text":"Perfect.","start":211.565,"end":212.065,"sentiment":"neutral","sentiment_score":0.15763217210769653},{"text":"So last October, you you you have a new partner?","start":213.72,"end":218.06,"sentiment":"neutral","sentiment_score":0.03256164845079183},{"text":"Yeah.","start":219.64,"end":219.88,"sentiment":"neutral","sentiment_score":0.05383983254432678},{"text":"That's okay.","start":219.88,"end":220.78,"sentiment":"neutral","sentiment_score":0.10192152857780457}],"sentiment":"neutral","sentiment_score":0.05412691819947213,"num_words":16,"start":210.845,"end":220.78},{"sentences":[{"text":"So the three kids that we have because I did previously have that you had two.","start":221.16,"end":226.425,"sentiment":"neutral","sentiment_score":0.05619577690958977},{"text":"I'm assuming your new partner comes with one.","start":226.72499,"end":230.985,"sentiment":"neutral","sentiment_score":0.022159960120916367},{"text":"I love a good amalgamated family.","start":232.885,"end":234.485,"sentiment":"positive","sentiment_score":0.5700746377309164},{"text":"Cool.","start":234.485,"end":234.985,"sentiment":"positive","sentiment_score":0.6312437057495117},{"text":"Makes it fun.","start":237.86,"end":238.76,"sentiment":"positive","sentiment_score":0.5390337705612183}],"sentiment":"neutral","sentiment_score":0.19838838103939505,"num_words":34,"start":221.16,"end":238.76},{"sentences":[{"text":"So with with your new partner, did you want me to change her to be a next of kin?","start":241.06,"end":249.62,"sentiment":"neutral","sentiment_score":0.014251529361660542},{"text":"Or yep.","start":249.62,"end":253.065,"sentiment":"neutral","sentiment_score":0.0045777782797813416},{"text":"What was her name?","start":253.065,"end":254.205,"sentiment":"neutral","sentiment_score":-0.002686448860913515},{"text":"D r a c e.","start":258.185,"end":259.145,"sentiment":"neutral","sentiment_score":0.001563124917447567},{"text":"And I'm gonna definitely need you to spell that last name.","start":259.145,"end":261.725,"sentiment":"neutral","sentiment_score":-0.003365163945338943}],"sentiment":"neutral","sentiment_score":0.005853357077462644,"num_words":41,"start":241.06,"end":261.725},{"sentences":[{"text":"D e u a r.","start":274.935,"end":276.635,"sentiment":"neutral","sentiment_score":-0.01624662596732378},{"text":"Okay.","start":282.695,"end":283.195,"sentiment":"neutral","sentiment_score":0.01011466421186924},{"text":"T e u e r o n o m.","start":294.87,"end":297.93002,"sentiment":"neutral","sentiment_score":0.02652305882010195},{"text":"So November or Mike Mike.","start":298.23,"end":300.17,"sentiment":"neutral","sentiment_score":0.04345766119658947},{"text":"Perfect.","start":302.69498,"end":303.19498,"sentiment":"positive","sentiment_score":0.3630138635635376}],"sentiment":"neutral","sentiment_score":0.03561386825250728,"num_words":21,"start":274.935,"end":303.19498},{"sentences":[{"text":"Alright.","start":303.255,"end":303.755,"sentiment":"neutral","sentiment_score":0.2776535749435425},{"text":"Get married.","start":305.255,"end":305.815,"sentiment":"neutral","sentiment_score":0.2984280586242676},{"text":"You'll be able to spell her last name real easy.","start":305.815,"end":307.675,"sentiment":"positive","sentiment_score":0.3726431578397751},{"text":"Perfect.","start":310.935,"end":311.335,"sentiment":"neutral","sentiment_score":0.25840485095977783},{"text":"So I'm assuming she comes with the three year old.","start":311.335,"end":314.555,"sentiment":"neutral","sentiment_score":0.015095238760113715}],"sentiment":"neutral","sentiment_score":0.208762437881281,"num_words":24,"start":303.255,"end":314.555},{"sentences":[{"text":"Yeah.","start":316.05,"end":316.44998,"sentiment":"neutral","sentiment_score":0.17725297808647156},{"text":"Cool.","start":316.44998,"end":316.94998,"sentiment":"positive","sentiment_score":0.3752956688404083},{"text":"Oh, I see.","start":317.96997,"end":318.40997,"sentiment":"positive","sentiment_score":0.36533334851264954},{"text":"It fits perfectly between your two.","start":318.40997,"end":320.12997,"sentiment":"positive","sentiment_score":0.5305735816558202},{"text":"That's nice.","start":320.12997,"end":320.87,"sentiment":"positive","sentiment_score":0.7178812325000763}],"sentiment":"positive","sentiment_score":0.4821348190307617,"num_words":13,"start":316.05,"end":320.87},{"sentences":[{"text":"Amazing.","start":324.21,"end":324.71,"sentiment":"positive","sentiment_score":0.6661086082458496},{"text":"And I have you as a, like, a supervisor on Hazel Dean's.","start":324.84998,"end":332.195,"sentiment":"neutral","sentiment_score":0.1881691738963127},{"text":"Still the case?","start":332.335,"end":333.295,"sentiment":"neutral","sentiment_score":0.038990531116724014},{"text":"Yep.","start":333.295,"end":333.795,"sentiment":"neutral","sentiment_score":0.07577352225780487},{"text":"Fantastic.","start":333.935,"end":334.435,"sentiment":"positive","sentiment_score":0.5704697370529175}],"sentiment":"neutral","sentiment_score":0.2048529748701387,"num_words":18,"start":324.21,"end":334.435},{"sentences":[{"text":"Now with our like, with where you're at right now, what we were looking to do previously was do a bit of a update to your your superannuation and change the investment a little bit.","start":336.975,"end":347.83002,"sentiment":"neutral","sentiment_score":0.11215214133262634},{"text":"Obviously, the market's changed over the last twelve months, so I wanna definitely have a look and see whether we're whether we if there's anything else we can do in terms of making some slight adjustment or changes.","start":347.83002,"end":356.49002,"sentiment":"neutral","sentiment_score":0.06631998472699993},{"text":"But with the fact that you have slipped from your partner, you have a new partner, is there anything else that perhaps we need to look at considering or where you're currently at or where you're wanting to head towards?","start":357.925,"end":368.985,"sentiment":"neutral","sentiment_score":-0.006454703584313393},{"text":"Yep.","start":374.1,"end":374.6,"sentiment":"neutral","sentiment_score":0.07517002522945404},{"text":"Yep.","start":394.13,"end":394.53,"sentiment":"neutral","sentiment_score":0.037029463797807693}],"sentiment":"neutral","sentiment_score":0.05477822358193605,"num_words":115,"start":336.975,"end":394.53},{"sentences":[{"text":"Okay.","start":394.53,"end":395.03,"sentiment":"neutral","sentiment_score":0.0382736511528492},{"text":"And how are we going with the savings?","start":397.81,"end":399.57,"sentiment":"neutral","sentiment_score":0.04286839906126261},{"text":"Are we putting decent money away?","start":399.57,"end":402.79,"sentiment":"neutral","sentiment_score":-0.004776123911142349},{"text":"Yeah.","start":406.465,"end":406.785,"sentiment":"neutral","sentiment_score":-0.0016913367435336113},{"text":"Because I was gonna say you had the motor vehicle loan.","start":406.785,"end":409.04498,"sentiment":"neutral","sentiment_score":0.000895539637316357}],"sentiment":"neutral","sentiment_score":0.013360137016408972,"num_words":27,"start":394.53,"end":409.04498},{"sentences":[{"text":"Do you know where that fits now?","start":409.425,"end":410.805,"sentiment":"neutral","sentiment_score":0.005901384300419262},{"text":"Okay.","start":415.745,"end":416.245,"sentiment":"neutral","sentiment_score":0.08600444346666336},{"text":"That's good.","start":417.185,"end":417.925,"sentiment":"neutral","sentiment_score":0.13769512623548508},{"text":"So 13 to 14 k left.","start":417.985,"end":419.745,"sentiment":"neutral","sentiment_score":0.08291411772370338},{"text":"This is fantastic.","start":419.745,"end":420.565,"sentiment":"positive","sentiment_score":0.3833066026369731}],"sentiment":"neutral","sentiment_score":0.10790046843651094,"num_words":19,"start":409.425,"end":420.565},{"sentences":[{"text":"We still own do we still own both of the cars?","start":420.99,"end":423.33,"sentiment":"neutral","sentiment_score":0.04030525548891588},{"text":"Okay.","start":428.19,"end":428.69,"sentiment":"neutral","sentiment_score":0.08370622247457504},{"text":"Cool.","start":432.03,"end":432.34998,"sentiment":"neutral","sentiment_score":0.111029714345932},{"text":"So, like, you're keeping the car that has the the load on it, and still have the other car.","start":432.34998,"end":437.595,"sentiment":"neutral","sentiment_score":0.055151155316515973},{"text":"Okay.","start":437.595,"end":438.095,"sentiment":"neutral","sentiment_score":0.035421356558799744}],"sentiment":"neutral","sentiment_score":0.0521632440839753,"num_words":33,"start":420.99,"end":438.095},{"sentences":[{"text":"Alright.","start":440.715,"end":441.035,"sentiment":"neutral","sentiment_score":0.02835078164935112},{"text":"So we're gonna be down to one car.","start":441.035,"end":442.875,"sentiment":"neutral","sentiment_score":0.013491757563315332},{"text":"And then how much money we put away in savings each week or month?","start":442.875,"end":448.255,"sentiment":"neutral","sentiment_score":0.024706190585025718},{"text":"I'm gonna try to pay the car loan.","start":456.64,"end":458.42,"sentiment":"neutral","sentiment_score":0.012351829325780272},{"text":"Okay.","start":460.24002,"end":460.64,"sentiment":"neutral","sentiment_score":0.02626020833849907}],"sentiment":"neutral","sentiment_score":0.01897644854034297,"num_words":32,"start":440.715,"end":460.64},{"sentences":[{"text":"So we're just trying to pay the car loan off as fast as possible right now, and then once the car loan's paid off.","start":460.64,"end":465.365,"sentiment":"neutral","sentiment_score":0.05942518201967081},{"text":"K.","start":474.08,"end":474.58,"sentiment":"neutral","sentiment_score":0.02654348313808441},{"text":"And we're still looking to live around the Kangaroo Flat area?","start":475.19998,"end":479.86,"sentiment":"neutral","sentiment_score":0.030905722217126327},{"text":"Yeah.","start":481.12,"end":481.62,"sentiment":"neutral","sentiment_score":0.02960175648331642},{"text":"Do you know what sort of house price range you'll be looking at?","start":481.91998,"end":485.745,"sentiment":"neutral","sentiment_score":0.01066452400902143}],"sentiment":"neutral","sentiment_score":0.039219027291983365,"num_words":50,"start":460.64,"end":485.745},{"sentences":[{"text":"K.","start":493.745,"end":494.245,"sentiment":"neutral","sentiment_score":0.018985651433467865},{"text":"And have you spoken to, like, a a broker yet in terms of, like, what you would need for servicing or how much you would need to have saved for a deposit to be able to purchase?","start":495.665,"end":506.86,"sentiment":"neutral","sentiment_score":0.00987034572942837},{"text":"Oh, that's fantastic.","start":514.215,"end":515.515,"sentiment":"positive","sentiment_score":0.4309408664703369},{"text":"Yeah.","start":517.09503,"end":517.495,"sentiment":"neutral","sentiment_score":0.10326308757066728},{"text":"Put towards that deposit.","start":517.495,"end":518.795,"sentiment":"neutral","sentiment_score":0.07674163393676281}],"sentiment":"neutral","sentiment_score":0.04537479709024015,"num_words":46,"start":493.745,"end":518.795},{"sentences":[{"text":"Yeah.","start":520.215,"end":520.455,"sentiment":"neutral","sentiment_score":0.07352668792009354},{"text":"No.","start":520.455,"end":520.695,"sentiment":"neutral","sentiment_score":0.056903719902038574},{"text":"That's really good.","start":520.695,"end":521.575,"sentiment":"neutral","sentiment_score":0.15680832664171854},{"text":"Okay.","start":521.575,"end":521.895,"sentiment":"neutral","sentiment_score":0.17434309422969818},{"text":"Cool.","start":521.895,"end":522.395,"sentiment":"neutral","sentiment_score":0.17887690663337708}],"sentiment":"neutral","sentiment_score":0.13629648408719472,"num_words":7,"start":520.215,"end":522.395},{"sentences":[{"text":"And last time we spoke, you were sort of your rent was around $330 per week.","start":522.775,"end":527.495,"sentiment":"neutral","sentiment_score":0.01967031299136579},{"text":"So are we looking at the same kind of rent for the next twelve months when you do move?","start":527.495,"end":533.29,"sentiment":"neutral","sentiment_score":0.010406819074169585},{"text":"Less?","start":535.51,"end":536.01,"sentiment":"neutral","sentiment_score":-0.03284779563546181},{"text":"Alright, Luki.","start":540.805,"end":541.28503,"sentiment":"neutral","sentiment_score":0.031045970506966114},{"text":"So you're still there?","start":541.28503,"end":542.34503,"sentiment":"neutral","sentiment_score":-0.01918411487713456}],"sentiment":"neutral","sentiment_score":0.011070529908119213,"num_words":42,"start":522.775,"end":542.34503},{"sentences":[{"text":"Right.","start":547.685,"end":548.005,"sentiment":"neutral","sentiment_score":-0.0647551417350769},{"text":"So we're gonna be taking on a bit more.","start":548.005,"end":549.84503,"sentiment":"neutral","sentiment_score":-0.06266078849633534},{"text":"Okay.","start":549.84503,"end":550.16504,"sentiment":"neutral","sentiment_score":0.019629213958978653},{"text":"That's okay.","start":550.16504,"end":550.905,"sentiment":"neutral","sentiment_score":0.04329356364905834},{"text":"Alright.","start":551.60504,"end":552.10504,"sentiment":"neutral","sentiment_score":0.020016588270664215}],"sentiment":"neutral","sentiment_score":-0.03589066490530968,"num_words":14,"start":547.685,"end":552.10504},{"sentences":[{"text":"So, like, with I guess I guess with the splitting from your ex, what kind of child arrangements do you have?","start":553.65,"end":564.21,"sentiment":"neutral","sentiment_score":-0.049963646701404026},{"text":"Is there is there child support that needs to be paid or anything like that?","start":564.21,"end":567.51,"sentiment":"neutral","sentiment_score":-0.07731822604934374},{"text":"Yeah.","start":568.815,"end":569.055,"sentiment":"neutral","sentiment_score":-0.0491294302046299},{"text":"Okay.","start":569.055,"end":569.295,"sentiment":"neutral","sentiment_score":-0.06183531507849693},{"text":"So that's taking a big chunk of income as well.","start":569.295,"end":572.115,"sentiment":"neutral","sentiment_score":-0.11859096363186836}],"sentiment":"neutral","sentiment_score":-0.07303925735565524,"num_words":48,"start":553.65,"end":572.115},{"sentences":[{"text":"Yeah.","start":573.455,"end":573.955,"sentiment":"neutral","sentiment_score":-0.010468813590705396},{"text":"Do you have a do you have a private arrangement, or do you have a, like, court ordered?","start":574.975,"end":579.795,"sentiment":"neutral","sentiment_score":-0.025328078721132543},{"text":"Yep.","start":583.36005,"end":583.86005,"sentiment":"neutral","sentiment_score":-0.02524508163332939},{"text":"Okay.","start":589.12006,"end":589.62006,"sentiment":"neutral","sentiment_score":0.03598255291581154},{"text":"Oh, that's good.","start":599.855,"end":600.915,"sentiment":"positive","sentiment_score":0.47834006945292157}],"sentiment":"neutral","sentiment_score":0.04080764371125648,"num_words":24,"start":573.455,"end":600.915},{"sentences":[{"text":"Are we going to sort of more, like, a closer to $50.50?","start":605.12,"end":607.84,"sentiment":"neutral","sentiment_score":0.028016153645391267},{"text":"Or oh, that's awesome.","start":607.84,"end":613.06,"sentiment":"positive","sentiment_score":0.4983666269108653},{"text":"Oh, okay.","start":613.44,"end":614.24,"sentiment":"positive","sentiment_score":0.5576675534248352},{"text":"That's great.","start":614.24,"end":614.72003,"sentiment":"positive","sentiment_score":0.7904166877269745},{"text":"You'll you'll be able to spend more time with the kids.","start":614.72003,"end":616.785,"sentiment":"positive","sentiment_score":0.6447693597186696}],"sentiment":"positive","sentiment_score":0.39091263840635937,"num_words":31,"start":605.12,"end":616.785},{"sentences":[{"text":"Yeah.","start":618.785,"end":619.285,"sentiment":"neutral","sentiment_score":-0.08747915178537369},{"text":"It's kinda sad you miss them when they're gone.","start":619.985,"end":622.565,"sentiment":"negative","sentiment_score":-0.4355006880230374},{"text":"Yeah.","start":624.46497,"end":624.96497,"sentiment":"neutral","sentiment_score":0.06170358508825302},{"text":"Okay.","start":627.665,"end":628.065,"sentiment":"neutral","sentiment_score":0.2729893624782562},{"text":"Perfect.","start":628.065,"end":628.565,"sentiment":"positive","sentiment_score":0.3845505714416504}],"sentiment":"neutral","sentiment_score":-0.2529032173065039,"num_words":13,"start":618.785,"end":628.565},{"sentences":[{"text":"So from that, with with everything where like, where it is, I guess, the savings for the house, I guess, you're already sort of on track to do it, focusing on getting that loan paid down and and obviously finalizing the split from your ex.","start":628.625,"end":644.45996,"sentiment":"neutral","sentiment_score":0.12310783349805408},{"text":"Obviously, finances are a little bit up in the air, so putting anything any money away to anything other than paying down the debts and getting, you know, yourself up and running in with your new spouse and, you know, purchasing a home is probably the biggest goal focus.","start":645.765,"end":663.29,"sentiment":"neutral","sentiment_score":0.03636371704502678},{"text":"Yeah.","start":665.35,"end":665.83,"sentiment":"neutral","sentiment_score":0.09111857414245604},{"text":"So I guess right now, the biggest thing we can probably focus on is just keeping things really super quite simple.","start":665.83,"end":672.34503,"sentiment":"neutral","sentiment_score":0.10042603686451912},{"text":"What I wanna do is I wanna do an overhaul of your superannuation fund and get rid of any of the underlying or or lacklustre investments.","start":673.04504,"end":680.745,"sentiment":"neutral","sentiment_score":-0.006781777868477199}],"sentiment":"neutral","sentiment_score":0.06581277300236406,"num_words":142,"start":628.625,"end":680.745},{"sentences":[{"text":"Just give it a bit of a refresh and get it get it going from there.","start":681.125,"end":684.66504,"sentiment":"neutral","sentiment_score":0.06524860137142241},{"text":"The one thing I do, I guess, wanna wanna look at, that's probably a conversation for maybe twelve months down the line when we do have the house, but I wanna, I guess, put it to focus now is your insurance policy that you do have with.","start":686.77,"end":702.065,"sentiment":"neutral","sentiment_score":0.08472994596083114},{"text":"You have, like, 800 and, you know, $850,000 roughly of life and TPD, and you got your income protection there.","start":703.885,"end":710.78503,"sentiment":"neutral","sentiment_score":0.07513813204132021},{"text":"I just wanna make sure that maybe in twelve months' time whether that's still appropriate given where you're gonna be and the house purchase when we do go down that line.","start":711.75995,"end":721.36,"sentiment":"neutral","sentiment_score":0.17724314259905968},{"text":"Obviously, if something happened to you today, that is going to be ample to buy a house outright.","start":721.36,"end":725.62,"sentiment":"neutral","sentiment_score":0.28895506925053066}],"sentiment":"neutral","sentiment_score":0.1304907302273381,"num_words":132,"start":681.125,"end":725.62},{"sentences":[{"text":"So, you know, the kids are gonna be looked after in, you know, in some sense by having a house.","start":725.97504,"end":731.03503,"sentiment":"neutral","sentiment_score":0.28038192391395567},{"text":"But I just wanna sort of raise focus to that area.","start":732.775,"end":735.67505,"sentiment":"neutral","sentiment_score":0.20638326623223044},{"text":"The other thing, I guess, we should probably look at given the fact that you have split from your ex is what beneficiaries you wanna have listed on the policies.","start":736.53503,"end":746.73,"sentiment":"neutral","sentiment_score":0.019770516827702523},{"text":"Because if anything were to happen to you, the money needs to be directed somewhere.","start":752.31,"end":758.46497,"sentiment":"neutral","sentiment_score":-0.00999097687502702},{"text":"And we need to probably look at where you want that money directed, whether it's to your new partner or whether it's to the kids, because the kids can be the recipient.","start":758.925,"end":767.90497,"sentiment":"neutral","sentiment_score":0.03463652194477618}],"sentiment":"neutral","sentiment_score":0.08730994408122367,"num_words":108,"start":725.97504,"end":767.90497},{"sentences":[{"text":"Okay.","start":770.27,"end":770.59,"sentiment":"neutral","sentiment_score":0.1452990025281906},{"text":"And you're happy for it to go to the kids?","start":770.59,"end":771.95,"sentiment":"positive","sentiment_score":0.45508419871330263},{"text":"Because realistically, going to the kids means that your ex is gonna get the money.","start":771.95,"end":775.33,"sentiment":"neutral","sentiment_score":0.18215314547220865},{"text":"So she will remain guardian or she's the other parent.","start":780.19,"end":783.765,"sentiment":"neutral","sentiment_score":0.039994660206139086},{"text":"Like, there's because the kids are are so little, they can't control money.","start":783.765,"end":790.265,"sentiment":"neutral","sentiment_score":-0.037515670634233035}],"sentiment":"neutral","sentiment_score":0.1498098174604226,"num_words":49,"start":770.27,"end":790.265},{"sentences":[{"text":"So the kids will get them money, but it'll be basically given to directs to look after them.","start":790.805,"end":798.11,"sentiment":"neutral","sentiment_score":0.07401340723865563},{"text":"And if you're comfortable and happy with that, then there's there's nothing wrong.","start":800.49,"end":803.79,"sentiment":"neutral","sentiment_score":0.19537238031625748},{"text":"The only other way to do things would be to direct the money to your estate and have a will in place that dictates where things need to go.","start":804.00995,"end":814.295,"sentiment":"neutral","sentiment_score":0.08007777418042052},{"text":"The superannuation is really, really limited in who can accept the money.","start":814.295,"end":819.515,"sentiment":"negative","sentiment_score":-0.3361947126686573},{"text":"Your ex, because she's no longer your spouse, isn't actually a valid nomination.","start":819.735,"end":824.315,"sentiment":"neutral","sentiment_score":-0.3046632661269261}],"sentiment":"neutral","sentiment_score":-0.021183779835700987,"num_words":85,"start":790.805,"end":824.315},{"sentences":[{"text":"Your kids will always be a valid nomination.","start":825.36,"end":827.54004,"sentiment":"neutral","sentiment_score":-0.13067269138991833},{"text":"Your current partner is currently a valid nomination.","start":828.48004,"end":831.04004,"sentiment":"neutral","sentiment_score":-0.026425861287862062},{"text":"If anything happens there, obviously, she wouldn't be anymore.","start":831.04004,"end":834.26,"sentiment":"neutral","sentiment_score":-0.12300989694065517},{"text":"And then with your stepchild, if you would've it's just god's sake.","start":835.2,"end":843.875,"sentiment":"neutral","sentiment_score":-0.20317116550480327},{"text":"If something would've happened and you would've split from your current partner, but you still obviously had that father child relationship with your stepchild, and you wanted to leave money to them because the relationship is resolved with your current partner or with Grace, that child is actually no longer a child connected to you through a relationship.","start":843.875,"end":862.62,"sentiment":"neutral","sentiment_score":-0.31119327401292735}],"sentiment":"neutral","sentiment_score":-0.2405383302389007,"num_words":95,"start":825.36,"end":862.62},{"sentences":[{"text":"Therefore, that child is not a valid nomination either.","start":862.62,"end":865.01996,"sentiment":"negative","sentiment_score":-0.4558627274301317},{"text":"So it's it can get it can get messy when you when we have those beautiful amalgamated families.","start":865.01996,"end":869.905,"sentiment":"negative","sentiment_score":-0.3806566231780582},{"text":"And a will does become a very easy way to do things and make sure that the people that you want get the money, and it allows you to dictate very specific things that you wanna include as well.","start":871.325,"end":886.11005,"sentiment":"neutral","sentiment_score":0.3036058608155984},{"text":"So if, you know, you have a brother and you wanna leave him watch, you can do that that way as well.","start":886.11005,"end":890.53,"sentiment":"neutral","sentiment_score":0.24793234128843655},{"text":"And it means that you can restrict your with Jessica, wasn't that?","start":890.83,"end":894.585,"sentiment":"neutral","sentiment_score":-0.10119326536854108}],"sentiment":"neutral","sentiment_score":0.05126237131655216,"num_words":100,"start":862.62,"end":894.585},{"sentences":[{"text":"Restrict Jessica from getting the money if you don't want her to specifically have the money, but you want the money to be there for the kids.","start":895.065,"end":901.565,"sentiment":"neutral","sentiment_score":-0.15195593320661122},{"text":"Generally speaking, that would mean a trust needs to be set up so that way the money can be used for the kids specifically.","start":902.10504,"end":909.56,"sentiment":"neutral","sentiment_score":0.012715034342060486},{"text":"Yeah.","start":912.66003,"end":913.06,"sentiment":"neutral","sentiment_score":0.2512228488922119},{"text":"But what I can do is I can get the the beneficiary document sent out to you, and we can nominate nominate your estate, or you can you can, you know, sit down, have a chat with with your partner or family and and figure out whether, you know, the money which way the money goes or how you specifically wanna do it.","start":913.06,"end":929.195,"sentiment":"neutral","sentiment_score":0.1661868023257407},{"text":"If you do have any questions when the documents get to you about how we can do things, I can definitely sit down.","start":929.195,"end":935.24005,"sentiment":"neutral","sentiment_score":0.08104413067517073}],"sentiment":"neutral","sentiment_score":0.06367650020705617,"num_words":138,"start":895.065,"end":935.24005},{"sentences":[{"text":"We can break it down a little bit more.","start":935.24005,"end":937.16003,"sentiment":"neutral","sentiment_score":0.04912100773718622},{"text":"I just know that me dumping this information on you right this second and you having no time to consider it, you're probably going, I yeah.","start":937.16003,"end":944.78,"sentiment":"neutral","sentiment_score":-0.2592048318340228},{"text":"So I'll get the documents posted to you because they do need to be posted.","start":945.48004,"end":948.94,"sentiment":"neutral","sentiment_score":0.051959166675806044},{"text":"Yeah.","start":951.765,"end":952.085,"sentiment":"neutral","sentiment_score":0.021878991276025772},{"text":"Yeah.","start":952.085,"end":952.325,"sentiment":"neutral","sentiment_score":0.008296200074255466}],"sentiment":"neutral","sentiment_score":-0.10553218974158741,"num_words":52,"start":935.24005,"end":952.325},{"sentences":[{"text":"Of course.","start":952.325,"end":952.905,"sentiment":"neutral","sentiment_score":0.060321854427456856},{"text":"The oldest street?","start":958.005,"end":959.065,"sentiment":"neutral","sentiment_score":0.02056785610814889},{"text":"I can do you have a printer?","start":964.5,"end":966.02,"sentiment":"neutral","sentiment_score":0.06149115892393248},{"text":"Because I can I can email them to you for your print?","start":966.02,"end":968.28,"sentiment":"neutral","sentiment_score":0.05832068187495073},{"text":"Yeah.","start":970.02,"end":970.34,"sentiment":"neutral","sentiment_score":0.23206377029418945}],"sentiment":"neutral","sentiment_score":0.06178789369761944,"num_words":25,"start":952.325,"end":970.34},{"sentences":[{"text":"Cool.","start":970.34,"end":970.58,"sentiment":"positive","sentiment_score":0.4753643870353699},{"text":"I can do it that way.","start":970.58,"end":971.38,"sentiment":"positive","sentiment_score":0.3736860305070877},{"text":"I'll email them to you to print them and find them and fill them out.","start":971.38,"end":974.775,"sentiment":"positive","sentiment_score":0.36709850033124286},{"text":"Cool.","start":976.695,"end":977.195,"sentiment":"neutral","sentiment_score":0.3225705027580261},{"text":"So that covers everything off there.","start":977.255,"end":978.85504,"sentiment":"neutral","sentiment_score":0.21267336358626684}],"sentiment":"positive","sentiment_score":0.3387092675628333,"num_words":29,"start":970.34,"end":978.85504},{"sentences":[{"text":"I guess from here, what I need to do is I wanna go obviously, this conversation allows me to, a, confirm whether anything changed.","start":978.85504,"end":988.215,"sentiment":"neutral","sentiment_score":0.10110697119186322},{"text":"And while things did change for you and, like, they are major, I guess, for the focus of the advice piece, it's it it it doesn't change too too much.","start":988.215,"end":1000.45,"sentiment":"neutral","sentiment_score":0.025321572134271265},{"text":"But with the market and the climate the way it is, I wanna have another look through a potential investment options and just make sure that we're on that front.","start":1000.67,"end":1009.855,"sentiment":"neutral","sentiment_score":0.024312106582025688},{"text":"The advice document's obviously, like, 10 old, so the climate and and the market has definitely changed.","start":1010.155,"end":1016.97504,"sentiment":"neutral","sentiment_score":-0.01380281402345966},{"text":"So what I wanna do is I just wanna go and do a bit of a refresh through that advice document, get some, you know, different assets swapped out.","start":1017.435,"end":1025.72,"sentiment":"neutral","sentiment_score":0.03910754434764385}],"sentiment":"neutral","sentiment_score":0.03703883552135756,"num_words":130,"start":978.85504,"end":1025.72},{"sentences":[{"text":"I'm just looking at some of them.","start":1025.72,"end":1026.8401,"sentiment":"neutral","sentiment_score":0.03333174916250365},{"text":"They're pretty solid, but I wanna definitely swap out a couple of them.","start":1026.8401,"end":1030.3,"sentiment":"neutral","sentiment_score":0.07260811787385207},{"text":"And then are you comfortable if I give you a call in a week, so a week today?","start":1030.92,"end":1034.86,"sentiment":"neutral","sentiment_score":0.053030852849284806},{"text":"Yep.","start":1036.5651,"end":1037.0651,"sentiment":"neutral","sentiment_score":0.15701672434806824},{"text":"We can do the same time.","start":1037.365,"end":1038.745,"sentiment":"neutral","sentiment_score":0.13676381235321364}],"sentiment":"neutral","sentiment_score":0.06909739391671287,"num_words":45,"start":1025.72,"end":1038.745},{"sentences":[{"text":"And what we'll do is we will I'll go through the investment options that I picked for this.","start":1038.885,"end":1043.545,"sentiment":"neutral","sentiment_score":0.13579121438993347},{"text":"It'll give you a week to sit down and consider what happens with the beneficiary form, and we can kinda go from there with respect to where everything fits.","start":1043.8451,"end":1052.31,"sentiment":"neutral","sentiment_score":0.12471026130791368},{"text":"And and, yeah, go from there.","start":1054.2101,"end":1057.43,"sentiment":"neutral","sentiment_score":0.08614764362573624},{"text":"Alright.","start":1059.41,"end":1059.89,"sentiment":"positive","sentiment_score":0.3906483650207519},{"text":"Perfect.","start":1059.89,"end":1060.29,"sentiment":"positive","sentiment_score":0.4750358462333679}],"sentiment":"neutral","sentiment_score":0.13533471836285157,"num_words":55,"start":1038.885,"end":1060.29},{"sentences":[{"text":"Did you have any questions for me while we were on the phone?","start":1060.29,"end":1062.585,"sentiment":"neutral","sentiment_score":0.16917710693982932},{"text":"Alright.","start":1066.105,"end":1066.4249,"sentiment":"neutral","sentiment_score":0.2935817241668701},{"text":"Perfect.","start":1066.4249,"end":1066.825,"sentiment":"positive","sentiment_score":0.5026127099990845},{"text":"I'll get cracking with this.","start":1066.825,"end":1067.945,"sentiment":"neutral","sentiment_score":0.27591623514890673},{"text":"We'll speak in a week, and I'll get an email out to you today with the form.","start":1067.945,"end":1072.5249,"sentiment":"neutral","sentiment_score":0.2029748578720233}],"sentiment":"neutral","sentiment_score":0.21150406983655853,"num_words":37,"start":1060.29,"end":1072.5249},{"sentences":[{"text":"No problem.","start":1074.5549,"end":1075.1149,"sentiment":"positive","sentiment_score":0.37976525723934174},{"text":"Little little big fan like it.","start":1075.1149,"end":1076.9749,"sentiment":"neutral","sentiment_score":-0.10910943398873012},{"text":"Bye.","start":1078.5549,"end":1079.0549,"sentiment":"neutral","sentiment_score":-0.11181376129388808}],"sentiment":"neutral","sentiment_score":-0.0007710945275094758,"num_words":9,"start":1074.5549,"end":1079.0549}]}}]},{"alternatives":[{"transcript":"Hello? The kids have the camera for the weekend, so it was pretty nice. Yeah. Yeah. That was good. Oh, yeah. Yep. We're up at 05:00 in the morning every morning. We've got a five, a three, and a two. Yeah. Yeah. That's that's good. Yeah. Yep. Yeah. Lucas Charles Osborne, February, and 02/20/1992. Yeah. Roughly. Yeah. My salary is 105, but I do, like, a fair bit of overtime and work probably holidays and stuff through you. So it usually works out to about a 120. Yes. Sorry. Sorry. That was so still with my ex. October. Got a new partner. Yeah. Yeah. Yeah. Yeah. Yep. Yeah. Yeah. Yes, please. Grace. Oh, god. I always get the e and u mixed up. D e u p r o m, I think. I'm just trying to d e u t r o m. Yep. M much. Yeah. Yeah. Yes. Yeah. It's good. As well. Yep. Yep. Yeah. Definitely leaning towards saving for a house at the moment. We're about to we just got comfortable in the house that like, I moved in with her and then got a notice being that the owners are moving back in. We're getting a new rental for a year while we save and buy a house next year. It's barely started yet. I'm still getting rid of a little bit of debt and stuff. Yeah. Yeah. There's about 14,000 left on or 13,000. Yeah. Yeah. But I'll be transferring the other one to my ex. Yep. Yep. You barely even started. Just been it was awesome. Yeah. So we haven't actually started saving yet probably. But yeah. Yeah. A few little things and, yeah, just getting back on top and then, yeah, start saving. Yeah. Trying to. Yeah. Uh-huh. Depends how much I can save, really. Probably 700 ish. Miss has already got her deposit ready, but I wanna try and pay him and, yeah, actually buy her. Yeah. Yep. There's nothing there's nothing like under $500 a week at the moment. Yeah. Yeah. Yes. It's, like, privately collected, but it's like a I can't remember what it is. $570, I think, a fortnight. But that'll that'll be changing again soon because I've got the kids more now. Yeah. Yeah. It's about $60.40 now. Oh, yeah. That's good. Oh, yeah. Very much so. Yeah. Yeah. Yeah. Yeah. That's the big deal. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Of course. Yeah. I'll have it set up just to go to the kids. Yeah. Yeah. Okay. Yeah. Yeah. Yeah. Yeah. Of course. Yeah. Yeah. Yeah. Okay. Yep. Yep. Yep. Yep. Yep. Yep. Yeah. Yep. Yep. Yep. Yep. Yeah. Okay. That's cool. Yeah, please. Yeah. Yeah. Yeah. I'll have to think about it a bit. Yeah. Yeah. Can I change my address? Well, actually, it might still just be easy to send it to my ex's house because we're moving out we're moving house in the next month or two anyway. Yeah. Yeah, please. Awesome. Yep. Yeah. Yeah. Yeah. Yep. Yeah. Perfect. Yep. Yep. Yep. Yep. Yeah. Sounds good. No. I don't think so. All good. Uh-huh. Yep. Thank you. 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The kids have the camera for the weekend, so it was pretty nice. Yeah. Yeah. That was good.\n\nOh, yeah. Yep. We're up at 05:00 in the morning every morning. We've got a five, a three, and a two. Yeah.\n\nYeah. That's that's good. Yeah. Yep. Yeah.\n\nLucas Charles Osborne, February, and 02/20/1992. Yeah. Roughly. Yeah. My salary is 105, but I do, like, a fair bit of overtime and work probably holidays and stuff through you.\n\nSo it usually works out to about a 120. Yes. Sorry. Sorry. That was so still with my ex.\n\nOctober. Got a new partner. Yeah. Yeah. Yeah.\n\nYeah. Yep. Yeah. Yeah. Yes, please.\n\nGrace. Oh, god. I always get the e and u mixed up. D e u p r o m, I think. I'm just trying to d e u t r o m.\n\nYep. M much. Yeah. Yeah. Yes.\n\nYeah. It's good. As well. Yep. Yep.\n\nYeah. Definitely leaning towards saving for a house at the moment. We're about to we just got comfortable in the house that like, I moved in with her and then got a notice being that the owners are moving back in. We're getting a new rental for a year while we save and buy a house next year. It's barely started yet.\n\nI'm still getting rid of a little bit of debt and stuff. Yeah. Yeah. There's about 14,000 left on or 13,000. Yeah.\n\nYeah. But I'll be transferring the other one to my ex. Yep. Yep. You barely even started.\n\nJust been it was awesome. Yeah. So we haven't actually started saving yet probably. But yeah. Yeah.\n\nA few little things and, yeah, just getting back on top and then, yeah, start saving. Yeah. Trying to. Yeah. Uh-huh.\n\nDepends how much I can save, really. Probably 700 ish. Miss has already got her deposit ready, but I wanna try and pay him and, yeah, actually buy her. Yeah. Yep.\n\nThere's nothing there's nothing like under $500 a week at the moment. Yeah. Yeah. Yes. It's, like, privately collected, but it's like a I can't remember what it is.\n\n$570, I think, a fortnight. But that'll that'll be changing again soon because I've got the kids more now. Yeah. Yeah. It's about $60.40 now.\n\nOh, yeah. That's good. Oh, yeah. Very much so. Yeah.\n\nYeah. Yeah. Yeah. That's the big deal. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Of course. Yeah. I'll have it set up just to go to the kids.\n\nYeah. Yeah. Okay. Yeah. Yeah.\n\nYeah. Yeah. Of course. Yeah. Yeah.\n\nYeah. Okay. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yeah. Yep.\n\nYep. Yep. Yep. Yeah. Okay.\n\nThat's cool. Yeah, please. Yeah. Yeah. Yeah.\n\nI'll have to think about it a bit. Yeah. Yeah. Can I change my address? Well, actually, it might still just be easy to send it to my ex's house because we're moving out we're moving house in the next month or two anyway.\n\nYeah. Yeah, please. Awesome. Yep. Yeah.\n\nYeah. Yeah. Yep. Yeah. Perfect.\n\nYep. Yep. Yep. Yep. Yeah.\n\nSounds good. No. I don't think so. All good. Uh-huh.\n\nYep. Thank you. Yeah.","paragraphs":[{"sentences":[{"text":"Hello?","start":2.8,"end":3.3,"sentiment":"neutral","sentiment_score":0.02528281882405281},{"text":"The kids have the camera for the weekend, so it was pretty nice.","start":18.855,"end":21.515,"sentiment":"positive","sentiment_score":0.5783830697719867},{"text":"Yeah.","start":25.029999,"end":25.529999,"sentiment":"neutral","sentiment_score":0.2332402467727661},{"text":"Yeah.","start":27.509998,"end":28.009998,"sentiment":"neutral","sentiment_score":0.20449058711528775},{"text":"That was good.","start":28.15,"end":28.97,"sentiment":"neutral","sentiment_score":0.32981457312901813}],"sentiment":"positive","sentiment_score":0.4721809094281573,"num_words":19,"start":2.8,"end":28.97},{"sentences":[{"text":"Oh, yeah.","start":35.51,"end":36.17,"sentiment":"neutral","sentiment_score":-0.326392337679863},{"text":"Yep.","start":40.595,"end":41.095,"sentiment":"neutral","sentiment_score":-0.05005024001002312},{"text":"We're up at 05:00 in the morning 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cool.","start":911.55,"end":912.20996,"sentiment":"positive","sentiment_score":0.3737317621707916},{"text":"Yeah, please.","start":917.31,"end":918.29,"sentiment":"neutral","sentiment_score":0.21103181689977646},{"text":"Yeah.","start":929.645,"end":930.145,"sentiment":"neutral","sentiment_score":0.0748227909207344},{"text":"Yeah.","start":937.565,"end":938.065,"sentiment":"neutral","sentiment_score":-0.08838950097560883},{"text":"Yeah.","start":941.81,"end":942.13,"sentiment":"neutral","sentiment_score":-0.10028401762247086}],"sentiment":"neutral","sentiment_score":0.15081091863768442,"num_words":7,"start":911.55,"end":942.13},{"sentences":[{"text":"I'll have to think about it a bit.","start":942.13,"end":943.73,"sentiment":"neutral","sentiment_score":-0.13737593311816454},{"text":"Yeah.","start":943.73,"end":944.23,"sentiment":"neutral","sentiment_score":0.01756182871758938},{"text":"Yeah.","start":949.33,"end":949.83,"sentiment":"neutral","sentiment_score":0.04104999080300331},{"text":"Can I change my address?","start":950.05,"end":951.225,"sentiment":"neutral","sentiment_score":0.0059856709092855455},{"text":"Well, actually, it might still just be easy to send it to my ex's house because we're moving out we're moving house in the next month or two anyway.","start":952.985,"end":961.245,"sentiment":"neutral","sentiment_score":0.06500375245151849}],"sentiment":"neutral","sentiment_score":0.01987821659581228,"num_words":44,"start":942.13,"end":961.245},{"sentences":[{"text":"Yeah.","start":968.79,"end":969.02997,"sentiment":"neutral","sentiment_score":0.07673534750938416},{"text":"Yeah, please.","start":969.02997,"end":969.76996,"sentiment":"neutral","sentiment_score":0.10292379558086395},{"text":"Awesome.","start":971.99,"end":972.49,"sentiment":"positive","sentiment_score":0.5244406461715698},{"text":"Yep.","start":975.26996,"end":975.76996,"sentiment":"neutral","sentiment_score":0.2331879585981369},{"text":"Yeah.","start":1001.18,"end":1001.68,"sentiment":"neutral","sentiment_score":0.01227350067347288}],"sentiment":"neutral","sentiment_score":0.1754141740190486,"num_words":6,"start":968.79,"end":1001.68},{"sentences":[{"text":"Yeah.","start":1010.365,"end":1010.865,"sentiment":"neutral","sentiment_score":0.012288423255085943},{"text":"Yeah.","start":1017.64496,"end":1018.14496,"sentiment":"neutral","sentiment_score":0.03291314095258713},{"text":"Yep.","start":1030.62,"end":1031.12,"sentiment":"neutral","sentiment_score":0.05307210609316826},{"text":"Yeah.","start":1035.5549,"end":1035.955,"sentiment":"neutral","sentiment_score":0.13617613911628723},{"text":"Perfect.","start":1035.955,"end":1036.455,"sentiment":"neutral","sentiment_score":0.2541905641555786}],"sentiment":"neutral","sentiment_score":0.09772807471454144,"num_words":5,"start":1010.365,"end":1036.455},{"sentences":[{"text":"Yep.","start":1037.635,"end":1038.135,"sentiment":"neutral","sentiment_score":0.12536171078681946},{"text":"Yep.","start":1039.235,"end":1039.735,"sentiment":"neutral","sentiment_score":0.11421670764684676},{"text":"Yep.","start":1044.355,"end":1044.6,"sentiment":"neutral","sentiment_score":0.14137810468673706},{"text":"Yep.","start":1048.84,"end":1049.34,"sentiment":"neutral","sentiment_score":0.11248317360877992},{"text":"Yeah.","start":1057.88,"end":1058.28,"sentiment":"neutral","sentiment_score":0.23997357487678528}],"sentiment":"neutral","sentiment_score":0.1466826543211937,"num_words":5,"start":1037.635,"end":1058.28},{"sentences":[{"text":"Sounds good.","start":1058.28,"end":1059.1,"sentiment":"positive","sentiment_score":0.4830629825592041},{"text":"No.","start":1063.3049,"end":1063.705,"sentiment":"neutral","sentiment_score":-0.11293375492095949},{"text":"I don't think so.","start":1063.705,"end":1064.505,"sentiment":"neutral","sentiment_score":-0.13894105702638626},{"text":"All good.","start":1064.505,"end":1065.1649,"sentiment":"neutral","sentiment_score":0.2847750037908554},{"text":"Uh-huh.","start":1067.465,"end":1067.965,"sentiment":"neutral","sentiment_score":0.1800982505083084}],"sentiment":"neutral","sentiment_score":0.1047076240181923,"num_words":10,"start":1058.28,"end":1067.965},{"sentences":[{"text":"Yep.","start":1069.705,"end":1070.205,"sentiment":"neutral","sentiment_score":0.12101717293262482},{"text":"Thank you.","start":1073.465,"end":1074.1049,"sentiment":"positive","sentiment_score":0.7295671701431274},{"text":"Yeah.","start":1077.5448,"end":1078.0448,"sentiment":"neutral","sentiment_score":0.12366975098848344}],"sentiment":"positive","sentiment_score":0.4259553160518408,"num_words":4,"start":1069.705,"end":1078.0448}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi. Good morning, Lucas. Larissa here from o two Financial. How are you going? Yeah.\n\nI'm really good. Thank you. How was your extra long weekend? Did you have a chance to eat way too much chocolate and enjoy yourself?\n\nChannel 1: The kids have the camera for the weekend, so it was pretty nice.\n\nChannel 0: It's always kinda nice of you. You\n\nChannel 1: Yeah.\n\nChannel 0: get a little bit of meal time.\n\nChannel 1: Yeah. That was good.\n\nChannel 0: I, unfortunately I was unfortunately woken up way too early by three very excited children, and then\n\nChannel 1: Oh,\n\nChannel 0: they\n\nChannel 1: yeah.\n\nChannel 0: proceeded to eat way too much chocolate and run around and destroy the house.\n\nChannel 1: Yep. We're up at 05:00 in the morning every morning.\n\nChannel 0: Yeah. Mine are all early rises. I got my 13 year old is not a typical 13 year old. He's at 4AM, alright, like, wake up. So the house is always moving early, unfortunately.\n\nChannel 1: We've got a five, a three, and a two.\n\nChannel 0: They're they're beautiful ages. Three and two, they still absolutely follow everything you say and love and respect\n\nChannel 1: Yeah.\n\nChannel 0: what you what you say. By the time they get to five, they're starting to realize that, you know, maybe maybe their mates are right. Mom and dad aren't.\n\nChannel 1: Yeah.\n\nChannel 0: My youngest is five, and he's just started realizing that life outside mom and dad exists.\n\nChannel 1: That's that's good.\n\nChannel 0: Anyways, the reason my day my call today was to, guess, go through and have a chat because we we did a what what was called a statement of advice with you back in July, and then you've obviously life's taken over as life does, and we haven't heard\n\nChannel 1: Yeah.\n\nChannel 0: from you since.\n\nChannel 1: Yep.\n\nChannel 0: So I I wanna, I guess, touch base and and reengage with you and make sure that everything's okay. And then second to that is, I guess, trying to make sure that we can get the advice implemented with you as well.\n\nChannel 1: Yeah.\n\nChannel 0: So I guess before we jump into it, I do need to let you know our call's recorded even though we are well into that. And then if I can just get you to confirm security for me. It's full name, date of birth, and address.\n\nChannel 1: Lucas Charles Osborne, February, and 02/20/1992.\n\nChannel 0: Now from that, what I wanna do is, I guess, confirm that the details I have on file are correct. So I have your income down as $120,000 a year. Is that still correct?\n\nChannel 1: Yeah. Roughly. Yeah.\n\nChannel 0: Roughly, as in bonuses may change that or roughly as in the\n\nChannel 1: My salary is 105, but I do, like, a fair bit of overtime and work probably holidays and stuff through you. So it usually works out to about a 120.\n\nChannel 0: the increase in the yeah. Okay. Perfect. So we have three dependents, and I have you down as defacto. Yep.\n\nPerfect. And then your\n\nChannel 1: Yes.\n\nChannel 0: role\n\nChannel 1: Sorry.\n\nChannel 0: will you yep.\n\nChannel 1: Sorry. That was so still with my ex. October. Got a new partner.\n\nChannel 0: Oh, okay. No. That's okay. Perfect. So last October, you you you have a new partner?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah. That's okay. So the three kids that we have because I did previously have that you had two. I'm assuming your new partner comes\n\nChannel 1: Yeah.\n\nChannel 0: with one.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: I love a good amalgamated family. Cool. Makes it fun.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: So with with your new partner, did you want me to change her to be a next of kin? Or\n\nChannel 1: Yes, please.\n\nChannel 0: yep. What was her name?\n\nChannel 1: Grace.\n\nChannel 0: D r a c e. And I'm gonna definitely need you to spell that last name.\n\nChannel 1: Oh, god. I always get the e and u mixed up. D e u p r o m, I think.\n\nChannel 0: D\n\nChannel 1: I'm\n\nChannel 0: e\n\nChannel 1: just\n\nChannel 0: u\n\nChannel 1: trying\n\nChannel 0: a\n\nChannel 1: to\n\nChannel 0: r. Okay.\n\nChannel 1: d e u t r o m. Yep.\n\nChannel 0: T e u e r o n o m. So November\n\nChannel 1: M\n\nChannel 0: or Mike Mike.\n\nChannel 1: much.\n\nChannel 0: Perfect. Alright. Get married. You'll be able to spell her last name real easy.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Perfect. So I'm assuming she comes with the three year old.\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Cool. Oh, I see. It fits perfectly between your two. That's nice.\n\nChannel 1: Yeah. It's good. As well.\n\nChannel 0: Amazing. And I have you as a, like, a supervisor on Hazel Dean's. Still\n\nChannel 1: Yep.\n\nChannel 0: the case? Yep.\n\nChannel 1: Yep.\n\nChannel 0: Fantastic. Now with our like, with where you're at right now, what we were looking to do previously was do a bit of a update to your your superannuation and change the investment a little bit. Obviously, the market's changed over the last twelve months, so I wanna definitely have a look and see whether we're whether we if there's anything else we can do in terms of making some slight adjustment or changes.\n\nChannel 1: Yeah.\n\nChannel 0: But with the fact that you have slipped from your partner, you have a new partner, is there anything else that perhaps we need to look at considering or where you're currently at or where you're wanting to head towards?\n\nChannel 1: Definitely leaning towards saving for a house at the moment.\n\nChannel 0: Yep.\n\nChannel 1: We're about to we just got comfortable in the house that like, I moved in with her and then got a notice being that the owners are moving back in. We're getting a new rental for a year while we save and buy a house next year.\n\nChannel 0: Yep. Okay. And how are we going with the savings? Are we putting decent money\n\nChannel 1: It's\n\nChannel 0: away?\n\nChannel 1: barely started yet. I'm still getting rid of a little bit of debt and stuff.\n\nChannel 0: Yeah. Because I was gonna say you had the motor vehicle loan. Do you know\n\nChannel 1: Yeah.\n\nChannel 0: where that fits now?\n\nChannel 1: Yeah. There's about 14,000 left on or 13,000.\n\nChannel 0: Okay. That's good. So 13 to 14 k left. This is fantastic. We still own\n\nChannel 1: Yeah.\n\nChannel 0: do we still own both of the cars?\n\nChannel 1: Yeah. But I'll be transferring the other one to my ex.\n\nChannel 0: Okay. Cool. So, like, you're keeping the car that has the the load on it, and still have the other car. Okay.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Alright. So we're gonna be down to one car. And then how much money we put away in savings each week or month?\n\nChannel 1: You barely even started. Just been it was awesome. Yeah. So\n\nChannel 0: I'm\n\nChannel 1: we\n\nChannel 0: gonna\n\nChannel 1: haven't\n\nChannel 0: try\n\nChannel 1: actually\n\nChannel 0: to pay\n\nChannel 1: started\n\nChannel 0: the car\n\nChannel 1: saving\n\nChannel 0: loan.\n\nChannel 1: yet probably. But yeah.\n\nChannel 0: Okay. So we're just trying to pay the car loan off as fast as possible right now, and then once the car loan's paid off.\n\nChannel 1: Yeah. A few little things and, yeah, just getting back on top and then, yeah, start saving.\n\nChannel 0: K. And we're still looking to live around the Kangaroo Flat area?\n\nChannel 1: Yeah. Trying to. Yeah.\n\nChannel 0: Yeah. Do you know what sort of house price range you'll be looking at?\n\nChannel 1: Uh-huh. Depends how much I can save, really. Probably 700 ish.\n\nChannel 0: K. And have you spoken to, like, a a broker yet in terms of, like, what you would need for servicing or how much you would need to have saved for a deposit to be able to purchase?\n\nChannel 1: Miss has already got her deposit ready,\n\nChannel 0: Oh,\n\nChannel 1: but\n\nChannel 0: that's\n\nChannel 1: I wanna\n\nChannel 0: fantastic.\n\nChannel 1: try and pay him and, yeah,\n\nChannel 0: Yeah.\n\nChannel 1: actually\n\nChannel 0: Put towards\n\nChannel 1: buy her.\n\nChannel 0: that\n\nChannel 1: Yeah.\n\nChannel 0: deposit. Yeah. No. That's really good. Okay.\n\nCool. And last time we spoke, you were sort of your rent was around $330 per week. So are we looking at the same kind of rent for the next twelve months when you do move? Less? Alright, Luki.\n\nSo\n\nChannel 1: Yep.\n\nChannel 0: you're still\n\nChannel 1: There's\n\nChannel 0: there?\n\nChannel 1: nothing there's nothing like under $500 a week at the moment.\n\nChannel 0: Right. So we're gonna be taking on a bit more. Okay. That's okay.\n\nChannel 1: Yeah.\n\nChannel 0: Alright. So, like, with I guess I guess with the splitting from your ex, what kind of child arrangements do you have? Is there is there child support that needs to be paid or anything like that?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Okay. So that's taking a big chunk of income as well.\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Do you have a do you have a private arrangement, or do you have a, like, court ordered?\n\nChannel 1: It's, like, privately collected, but\n\nChannel 0: Yep.\n\nChannel 1: it's like a I can't remember what it is. $570, I think, a fortnight.\n\nChannel 0: Okay.\n\nChannel 1: But that'll that'll be changing again soon because I've got the kids more now.\n\nChannel 0: Oh, that's good.\n\nChannel 1: Yeah.\n\nChannel 0: Are we going to sort of more, like, a closer to $50.50? Or\n\nChannel 1: Yeah. It's about $60.40 now.\n\nChannel 0: oh, that's awesome. Oh, okay. That's great. You'll you'll be able to spend more time with the kids.\n\nChannel 1: Oh, yeah. That's\n\nChannel 0: Yeah. It's kinda sad you miss\n\nChannel 1: good.\n\nChannel 0: them when they're gone.\n\nChannel 1: Oh, yeah. Very much\n\nChannel 0: Yeah.\n\nChannel 1: so.\n\nChannel 0: Okay. Perfect. So from that, with with everything where like, where it is, I guess, the savings for the house, I guess, you're already sort of on track to do it, focusing on getting that loan paid down and and obviously\n\nChannel 1: Yeah.\n\nChannel 0: finalizing the split from your ex.\n\nChannel 1: Yeah.\n\nChannel 0: Obviously, finances are a little bit up in the air, so putting anything any money away to anything other than paying down the debts and getting, you know, yourself up and running in with your new spouse and, you know, purchasing\n\nChannel 1: Yeah.\n\nChannel 0: a home is probably the biggest goal focus.\n\nChannel 1: Yeah. That's the big deal.\n\nChannel 0: Yeah. So I guess right now, the biggest thing we can probably focus on is just keeping things really super quite simple. What I wanna do is I wanna do an overhaul of your superannuation fund and get rid of any of the underlying or or lacklustre investments. Just give\n\nChannel 1: Yeah.\n\nChannel 0: it a bit of a refresh and get it get it going from there.\n\nChannel 1: Yeah.\n\nChannel 0: The one thing I do, I guess, wanna wanna look at, that's probably a conversation for maybe twelve months down the line when we do have the house, but I wanna, I guess, put it to focus now is your insurance policy that you do have with. You have, like, 800 and, you know, $850,000 roughly of life and TPD, and you got your income protection there. I just wanna make sure that maybe in twelve months' time whether that's still appropriate given where you're gonna be and the house purchase when we do go down that line.\n\nChannel 1: Yeah.\n\nChannel 0: Obviously,\n\nChannel 1: Yeah.\n\nChannel 0: if something\n\nChannel 1: Yeah.\n\nChannel 0: happened to you today, that is going to be ample to buy a house outright. So, you know, the kids are gonna be looked after in, you know, in some sense by having a house. But I just wanna sort of raise focus to that area. The\n\nChannel 1: Yeah.\n\nChannel 0: other\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: thing,\n\nChannel 1: Of course.\n\nChannel 0: I guess, we should probably look at given the fact that you have split from your ex is what beneficiaries you wanna have listed on the policies.\n\nChannel 1: Yeah.\n\nChannel 0: Because if anything were to happen to you, the money needs to be directed somewhere. And we need to probably look at where you want that money directed, whether it's to your new partner or whether it's to the kids, because\n\nChannel 1: I'll\n\nChannel 0: the\n\nChannel 1: have\n\nChannel 0: kids\n\nChannel 1: it set\n\nChannel 0: can\n\nChannel 1: up\n\nChannel 0: be\n\nChannel 1: just\n\nChannel 0: the recipient.\n\nChannel 1: to go to the kids. Yeah.\n\nChannel 0: Okay. And you're happy for it to go to the kids? Because realistically, going to the kids means that your ex is gonna get the money.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: So she will remain guardian or she's the other parent. Like, there's\n\nChannel 1: Yeah.\n\nChannel 0: because the kids are are so little, they can't control\n\nChannel 1: Yeah.\n\nChannel 0: money.\n\nChannel 1: Yeah. Yeah. Of course.\n\nChannel 0: So the kids will get them money, but it'll be basically given to directs to look after them.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: And if you're comfortable and happy with that, then there's there's nothing wrong. The only other way to do things would be to direct the money to your estate and have a will in place that dictates where things need to go. The superannuation\n\nChannel 1: Yeah. Okay.\n\nChannel 0: is really, really limited in who can accept the money. Your ex,\n\nChannel 1: Yep.\n\nChannel 0: because she's no longer your spouse, isn't actually a valid nomination. Your kids will always be a valid nomination.\n\nChannel 1: Yep.\n\nChannel 0: Your current partner is currently a valid nomination. If anything happens there, obviously,\n\nChannel 1: Yep.\n\nChannel 0: she wouldn't be anymore.\n\nChannel 1: Yep.\n\nChannel 0: And then with your stepchild,\n\nChannel 1: Yep.\n\nChannel 0: if you would've it's just god's sake. If something would've happened and you would've split from your current partner, but you still obviously had that father child relationship with your stepchild,\n\nChannel 1: Yep.\n\nChannel 0: and you wanted to leave money to them because the relationship is resolved with your current partner or with Grace, that child is actually no longer a child connected to you through a relationship. Therefore, that child is not a valid nomination either. So it's it can get it can get messy when you when we have those beautiful amalgamated families.\n\nChannel 1: Yeah.\n\nChannel 0: And a will does become a very easy way to do things and make sure that the people that you want get the money,\n\nChannel 1: Yep.\n\nChannel 0: and\n\nChannel 1: Yep.\n\nChannel 0: it allows you to dictate very specific things that you wanna include as well. So if, you know, you have a brother and you wanna leave him watch, you can do that that way as well. And\n\nChannel 1: Yep.\n\nChannel 0: it means that you can restrict your with Jessica, wasn't that?\n\nChannel 1: Yep.\n\nChannel 0: Restrict Jessica from getting the money if you don't want her to specifically have the money, but you want the money to be there for the kids. Generally speaking, that would mean a trust needs to be set up so that way the money can be used for the kids specifically.\n\nChannel 1: Yeah. Okay. That's cool.\n\nChannel 0: Yeah. But what I can do is I can get the the beneficiary document sent out to you, and we\n\nChannel 1: Yeah,\n\nChannel 0: can nominate\n\nChannel 1: please.\n\nChannel 0: nominate your estate, or you can you can, you know, sit down, have a chat with with your partner or family and and figure out whether, you know, the money which way the money goes or how you specifically wanna do it. If you do\n\nChannel 1: Yeah.\n\nChannel 0: have any questions when the documents get to you about how we can do things, I can definitely sit down. We can break it down a little bit more. I just know\n\nChannel 1: Yeah.\n\nChannel 0: that me dumping this information on you right this second and you having no time to consider it, you're probably\n\nChannel 1: Yeah.\n\nChannel 0: going,\n\nChannel 1: I'll\n\nChannel 0: I\n\nChannel 1: have to think about it a bit. Yeah.\n\nChannel 0: yeah. So I'll get the documents posted to you because they do need to be posted.\n\nChannel 1: Yeah. Can I change my address?\n\nChannel 0: Yeah. Yeah. Of course.\n\nChannel 1: Well, actually, it might still just be easy to send it to my ex's house because\n\nChannel 0: The\n\nChannel 1: we're\n\nChannel 0: oldest\n\nChannel 1: moving\n\nChannel 0: street?\n\nChannel 1: out we're moving house in the next month or two anyway.\n\nChannel 0: I can do you have a printer? Because I can I can email them to you for your print?\n\nChannel 1: Yeah. Yeah, please.\n\nChannel 0: Yeah. Cool. I can do it that way. I'll email them to\n\nChannel 1: Awesome.\n\nChannel 0: you to print them and find them and fill them out.\n\nChannel 1: Yep.\n\nChannel 0: Cool. So that covers everything off there. I guess from here, what I need to do is I wanna go obviously, this conversation allows me to, a, confirm whether anything changed. And while things did change for you and, like, they are major, I guess, for the focus of the advice piece, it's it it it doesn't change too too much. But with\n\nChannel 1: Yeah.\n\nChannel 0: the market and the climate the way it is, I wanna have another look through a potential investment options and just make sure that we're on that front. The\n\nChannel 1: Yeah.\n\nChannel 0: advice document's obviously, like, 10 old, so the climate and and the market has definitely changed. So what\n\nChannel 1: Yeah.\n\nChannel 0: I wanna do is I just wanna go and do a bit of a refresh through that advice document, get some, you know, different assets swapped out. I'm just looking at some of them. They're pretty solid, but I wanna definitely swap out a couple of them.\n\nChannel 1: Yep.\n\nChannel 0: And then are you comfortable if I give you a call in a week, so a week today?\n\nChannel 1: Yeah. Perfect.\n\nChannel 0: Yep. We can\n\nChannel 1: Yep.\n\nChannel 0: do the same time. And what\n\nChannel 1: Yep.\n\nChannel 0: we'll do is we will I'll go through the investment options that I picked for this. It'll give you\n\nChannel 1: Yep.\n\nChannel 0: a week to sit down and consider what happens with the beneficiary form, and\n\nChannel 1: Yep.\n\nChannel 0: we can kinda go from there with respect to where everything fits. And and, yeah, go from there.\n\nChannel 1: Yeah. Sounds good.\n\nChannel 0: Alright. Perfect. Did you have any questions for me while we were on the phone?\n\nChannel 1: No. I don't think so. All good.\n\nChannel 0: Alright. Perfect. I'll get cracking\n\nChannel 1: Uh-huh.\n\nChannel 0: with this. We'll speak in a week, and\n\nChannel 1: Yep.\n\nChannel 0: I'll get an email out to you today with the form.\n\nChannel 1: Thank you.\n\nChannel 0: No problem. Little little big fan like it.\n\nChannel 1: Yeah.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":2.8,"end":3.3,"sentiment":"neutral","sentiment_score":0.02528281882405281}],"sentiment":"neutral","sentiment_score":0.02528281882405281,"channel":1,"num_words":1,"start":2.8,"end":3.3},{"sentences":[{"text":"Hi.","start":4.64,"end":4.96,"sentiment":"neutral","sentiment_score":0.16045282781124115},{"text":"Good morning, Lucas.","start":4.96,"end":6.02,"sentiment":"positive","sentiment_score":0.35821303725242615},{"text":"Larissa here from o two Financial.","start":6.08,"end":7.68,"sentiment":"neutral","sentiment_score":0.2506490821639697},{"text":"How are you 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The agent asks about the customer's savings and monthly budget, and confirms their child arrangements. The speaker discusses their plans to buy a new car and save money on their loan, including updating their house and refreshing their insurance policy. They emphasize the importance of setting up trusts with beneficiaries and refreshing their investment options. The speaker emphasizes the importance of considering beneficiary interests and plans to discuss the beneficiary form in a week."},"intents":{"segments":[{"text":"So I I wanna, I guess, touch base and and reengage with you and make sure that everything's okay. And then second to that is, I guess, trying to make sure that we can get the advice implemented with you as well.","start_word":282,"end_word":323,"intents":[{"intent":"Implement advice","confidence_score":0.0021126259}]},{"text":"And then if I can just get you to confirm security for me. It's full name, date of birth, and address. Lucas Charles Osborne, February, and 02/20/1992. Now from that, what I wanna do is, I guess, confirm that the details I have on file are correct. So I have your income down as $120,000 a year. Is that still correct? Yeah.","start_word":351,"end_word":412,"intents":[{"intent":"Confirm details","confidence_score":0.077247374}]},{"text":"Roughly, as in bonuses may change that or roughly as in the My salary is 105, but I do, like, a fair bit of overtime and work probably holidays and stuff through you. So it usually works out to about a 120. the increase in the yeah.","start_word":414,"end_word":460,"intents":[{"intent":"Work overtime","confidence_score":0.004966295}]},{"text":"So we have three dependents, and I have you down as defacto. Yep. Perfect.","start_word":463,"end_word":476,"intents":[{"intent":"Add dependents","confidence_score":0.0029864286}]},{"text":"So with with your new partner, did you want me to change her to be a next of kin? Or Yes, please.","start_word":559,"end_word":580,"intents":[{"intent":"Change partner name","confidence_score":0.33273163}]},{"text":"D r a c e. And I'm gonna definitely need you to spell that last name. Oh, god.","start_word":587,"end_word":604,"intents":[{"intent":"Spell last name","confidence_score":0.66967857}]},{"text":"Now with our like, with where you're at right now, what we were looking to do previously was do a bit of a update to your your superannuation and change the investment a little bit. Obviously, the market's changed over the last twelve months, so I wanna definitely have a look and see whether we're whether we if there's anything else we can do in terms of making some slight adjustment or changes. Yeah.","start_word":723,"end_word":796,"intents":[{"intent":"Update superannuation","confidence_score":0.32171875},{"intent":"Make adjustments","confidence_score":0.0024835202}]},{"text":"And then how much money we put away in savings each week or month? You barely even started. Just been it was awesome. Yeah. So I'm we gonna haven't try actually to pay started the car saving loan. yet probably.","start_word":1024,"end_word":1063,"intents":[{"intent":"Start saving","confidence_score":0.07671017}]},{"text":"So we're just trying to pay the car loan off as fast as possible right now, and then once the car loan's paid off. Yeah.","start_word":1066,"end_word":1090,"intents":[{"intent":"Pay car loan","confidence_score":0.16495687}]},{"text":"Do you know what sort of house price range you'll be looking at?","start_word":1124,"end_word":1136,"intents":[{"intent":"Determine house price range","confidence_score":0.12816836}]},{"text":"And have you spoken to, like, a a broker yet in terms of, like, what you would need for servicing or how much you would need to have saved for a deposit to be able to purchase?","start_word":1149,"end_word":1185,"intents":[{"intent":"Check broker's involvement","confidence_score":0.00006426803}]},{"text":"And last time we spoke, you were sort of your rent was around $330 per week. So are we looking at the same kind of rent for the next twelve months when you do move? Less?","start_word":1221,"end_word":1256,"intents":[{"intent":"Determine rent amount","confidence_score":0.10831807}]},{"text":"So, like, with I guess I guess with the splitting from your ex, what kind of child arrangements do you have? Is there is there child support that needs to be paid or anything like that? Yeah. Yeah.","start_word":1291,"end_word":1328,"intents":[{"intent":"Determine child support arrangements","confidence_score":0.09206098},{"intent":"Clarify child support arrangements","confidence_score":0.0064962613}]},{"text":"But that'll that'll be changing again soon because I've got the kids more now.","start_word":1381,"end_word":1394,"intents":[{"intent":"Update coverage","confidence_score":0.00036364407}]},{"text":"if something Yeah. happened to you today, that is going to be ample to buy a house outright. So, you know, the kids are gonna be looked after in, you know, in some sense by having a house. But I just wanna sort of raise focus to that area.","start_word":1726,"end_word":1774,"intents":[{"intent":"Reaise focus and focus on estates","confidence_score":3.2321862e-10}]},{"text":"Restrict Jessica from getting the money if you don't want her to specifically have the money, but you want the money to be there for the kids. Generally speaking, that would mean a trust needs to be set up so that way the money can be used for the kids specifically. Yeah. Okay.","start_word":2222,"end_word":2274,"intents":[{"intent":"Educate about funds","confidence_score":0.000027879645}]},{"text":"And then are you comfortable if I give you a call in a week, so a week today? Yeah.","start_word":2678,"end_word":2696,"intents":[{"intent":"Request a call","confidence_score":0.009910289}]}]},"sentiments":{"segments":[{"text":"Hello? Hi.","start_word":0,"end_word":1,"sentiment":"neutral","sentiment_score":0.09286782145500184},{"text":"Good morning, Lucas.","start_word":2,"end_word":4,"sentiment":"positive","sentiment_score":0.35113653540611267},{"text":"Larissa here from o two Financial. How are you going?","start_word":5,"end_word":14,"sentiment":"neutral","sentiment_score":0.25422006845474243},{"text":"Yeah. I'm really good. Thank you.","start_word":15,"end_word":20,"sentiment":"positive","sentiment_score":0.6767550706863403},{"text":"How was your extra long weekend? Did you have a chance to eat way too much chocolate and enjoy yourself?","start_word":21,"end_word":40,"sentiment":"neutral","sentiment_score":0.19393497705459595},{"text":"The kids have the camera for the weekend, so it was pretty nice. It's always kinda nice of you.","start_word":41,"end_word":59,"sentiment":"positive","sentiment_score":0.633387565612793},{"text":"You Yeah. get a little bit of meal time. Yeah. That was good.","start_word":60,"end_word":72,"sentiment":"neutral","sentiment_score":0.25569918751716614},{"text":"I, unfortunately I was unfortunately woken up way too early by three very excited children, and then Oh, they yeah. proceeded to eat way too much chocolate and run around and destroy the house.","start_word":73,"end_word":106,"sentiment":"negative","sentiment_score":-0.4589537978172302},{"text":"Yep. We're up at 05:00 in the morning every morning. Yeah. Mine are all early rises. I got my 13 year old is not a typical 13 year old. He's at 4AM, alright, like, wake up. So the house is always moving early, unfortunately. We've got a five, a three, and a two. They're they're beautiful ages. Three and two, they still absolutely follow everything you say and love and respect Yeah. what you what you say. By the time they get to five, they're starting to realize that, you know, maybe maybe their mates are right. Mom and dad aren't. Yeah. My youngest is five, and he's just started realizing that life outside mom and dad exists. That's that's good. Anyways, the reason my day my call today was to, guess, go through and have a chat because we we did a what what was called a statement of advice with you back in July, and then you've obviously life's taken over as life does, and we haven't heard Yeah. from you since. Yep. So I I wanna, I guess, touch base and and reengage with you and make sure that everything's okay. And then second to that is, I guess, trying to make sure that we can get the advice implemented with you as well. Yeah. So I guess before we jump into it, I do need to let you know our call's recorded even though we are well into that. And then if I can just get you to confirm security for me. It's full name, date of birth, and address. Lucas Charles Osborne, February, and 02/20/1992. Now from that, what I wanna do is, I guess, confirm that the details I have on file are correct. So I have your income down as $120,000 a year. Is that still correct? Yeah. Roughly. Yeah. Roughly, as in bonuses may change that or roughly as in the My salary is 105, but I do, like, a fair bit of overtime and work probably holidays and stuff through you. So it usually works out to about a 120. the increase in the yeah. Okay.","start_word":107,"end_word":461,"sentiment":"neutral","sentiment_score":0.013882480690281996},{"text":"Perfect.","start_word":462,"end_word":462,"sentiment":"positive","sentiment_score":0.36781203746795654},{"text":"So we have three dependents, and I have you down as defacto. Yep. Perfect. And then your Yes. role Sorry. will you yep. Sorry. That was so still with my ex. October. Got a new partner. Oh, okay. No. That's okay. Perfect. So last October, you you you have a new partner? Yeah. Yeah. Yeah. That's okay. So the three kids that we have because I did previously have that you had two. I'm assuming your new partner comes Yeah. with one. Yeah. Yep.","start_word":463,"end_word":546,"sentiment":"neutral","sentiment_score":0.06604146957397461},{"text":"I love a good amalgamated family. Cool. Makes it fun.","start_word":547,"end_word":556,"sentiment":"positive","sentiment_score":0.57718825340271},{"text":"Yeah. Yeah. So with with your new partner, did you want me to change her to be a next of kin? Or Yes, please. yep. What was her name? Grace. D r a c e. And I'm gonna definitely need you to spell that last name. Oh, god. I always get the e and u mixed up. D e u p r o m, I think. D I'm e just u trying a to r. Okay. d e u t r o m. Yep. T e u e r o n o m. So November M or Mike Mike. much.","start_word":557,"end_word":656,"sentiment":"neutral","sentiment_score":0.0069046588614583015},{"text":"Perfect.","start_word":657,"end_word":657,"sentiment":"positive","sentiment_score":0.3630138635635376},{"text":"Alright. Get married.","start_word":658,"end_word":660,"sentiment":"neutral","sentiment_score":0.29177960753440857},{"text":"You'll be able to spell her last name real easy.","start_word":661,"end_word":670,"sentiment":"positive","sentiment_score":0.36714932322502136},{"text":"Yeah. Yeah.","start_word":671,"end_word":672,"sentiment":"neutral","sentiment_score":0.21913516521453855},{"text":"Perfect.","start_word":673,"end_word":673,"sentiment":"positive","sentiment_score":0.3866083025932312},{"text":"So I'm assuming she comes with the three year old. Yes. Yeah.","start_word":674,"end_word":685,"sentiment":"neutral","sentiment_score":0.0427471362054348},{"text":"Cool. Oh, I see. It fits perfectly between your two. That's nice. Yeah. It's good. As well. Amazing.","start_word":686,"end_word":703,"sentiment":"positive","sentiment_score":0.5430532693862915},{"text":"And I have you as a, like, a supervisor on Hazel Dean's. Still Yep. the case? Yep. Yep.","start_word":704,"end_word":721,"sentiment":"neutral","sentiment_score":0.14156004786491394},{"text":"Fantastic.","start_word":722,"end_word":722,"sentiment":"positive","sentiment_score":0.5704697370529175},{"text":"Now with our like, with where you're at right now, what we were looking to do previously was do a bit of a update to your your superannuation and change the investment a little bit. Obviously, the market's changed over the last twelve months, so I wanna definitely have a look and see whether we're whether we if there's anything else we can do in terms of making some slight adjustment or changes. Yeah. But with the fact that you have slipped from your partner, you have a new partner, is there anything else that perhaps we need to look at considering or where you're currently at or where you're wanting to head towards? Definitely leaning towards saving for a house at the moment. Yep. We're about to we just got comfortable in the house that like, I moved in with her and then got a notice being that the owners are moving back in. We're getting a new rental for a year while we save and buy a house next year. Yep. Okay. And how are we going with the savings? Are we putting decent money It's away? barely started yet. I'm still getting rid of a little bit of debt and stuff. Yeah. Because I was gonna say you had the motor vehicle loan. Do you know where Yeah. that fits now? Yeah. There's about 14,000 left on or 13,000. Okay. That's good. So 13 to 14 k left.","start_word":723,"end_word":963,"sentiment":"neutral","sentiment_score":0.04210249334573746},{"text":"This is fantastic.","start_word":964,"end_word":966,"sentiment":"positive","sentiment_score":0.3732461929321289},{"text":"We still own Yeah. do we still own both of the cars? Yeah. But I'll be transferring the other one to my ex. Okay. Cool. So, like, you're keeping the car that has the the load on it, and still have the other car. Okay. Yep. Yep. Alright. So we're gonna be down to one car. And then how much money we put away in savings each week or month? You barely even started.","start_word":967,"end_word":1040,"sentiment":"neutral","sentiment_score":0.03257733719373072},{"text":"Just been it was awesome.","start_word":1041,"end_word":1045,"sentiment":"positive","sentiment_score":0.5760573744773865},{"text":"Yeah. So I'm we gonna haven't try actually to pay started the car saving loan. yet probably. But yeah. Okay. So we're just trying to pay the car loan off as fast as possible right now, and then once the car loan's paid off. Yeah. A few little things and, yeah, just getting back on top and then, yeah, start saving. K. And we're still looking to live around the Kangaroo Flat area? Yeah. Trying to. Yeah. Yeah. Do you know what sort of house price range you'll be looking at? Uh-huh. Depends how much I can save, really. Probably 700 ish. K. And have you spoken to, like, a a broker yet in terms of, like, what you would need for servicing or how much you would need to have saved for a deposit to be able to purchase? Miss has already got her deposit ready, Oh, but that's I wanna fantastic. try and pay him and, yeah, Yeah. actually Put towards buy her. that Yeah. deposit. Yeah. No. That's really good. Okay. Cool. And last time we spoke, you were sort of your rent was around $330 per week. So are we looking at the same kind of rent for the next twelve months when you do move? Less? Alright, Luki. So Yep. you're still There's there? nothing there's nothing like under $500 a week at the moment. Right. So we're gonna be taking on a bit more. Okay. That's okay. Yeah. Alright. So, like, with I guess I guess with the splitting from your ex, what kind of child arrangements do you have? Is there is there child support that needs to be paid or anything like that? Yeah. Yeah. Okay. So that's taking a big chunk of income as well. Yes. Yeah. Do you have a do you have a private arrangement, or do you have a, like, court ordered? It's, like, privately collected, but Yep. it's like a I can't remember what it is. $570, I think, a fortnight. Okay. But that'll that'll be changing again soon because I've got the kids more now.","start_word":1046,"end_word":1394,"sentiment":"neutral","sentiment_score":0.02260051248230278},{"text":"Oh, that's good.","start_word":1395,"end_word":1397,"sentiment":"positive","sentiment_score":0.4857722818851471},{"text":"Yeah. Are we going to sort of more, like, a closer to $50.50? Or Yeah. It's about $60.40 now.","start_word":1398,"end_word":1416,"sentiment":"neutral","sentiment_score":0.037829287350177765},{"text":"oh, that's awesome. Oh, okay. That's great. You'll you'll be able to spend more time with the kids.","start_word":1417,"end_word":1434,"sentiment":"positive","sentiment_score":0.6577516794204712},{"text":"Oh, yeah. That's Yeah.","start_word":1435,"end_word":1438,"sentiment":"neutral","sentiment_score":-0.010522394441068172},{"text":"It's kinda sad you miss them good. when they're gone.","start_word":1439,"end_word":1448,"sentiment":"negative","sentiment_score":-0.4215954840183258},{"text":"Oh, yeah. Very much Yeah. so. Okay.","start_word":1449,"end_word":1455,"sentiment":"neutral","sentiment_score":0.0783870667219162},{"text":"Perfect.","start_word":1456,"end_word":1456,"sentiment":"positive","sentiment_score":0.3845505714416504},{"text":"So from that, with with everything where like, where it is, I guess, the savings for the house, I guess, you're already sort of on track to do it, focusing on getting that loan paid down and and obviously Yeah. finalizing the split from your ex. Yeah. Obviously, finances are a little bit up in the air, so putting anything any money away to anything other than paying down the debts and getting, you know, yourself up and running in with your new spouse and, you know, purchasing Yeah. a home is probably the biggest goal focus. Yeah. That's the big deal. Yeah. So I guess right now, the biggest thing we can probably focus on is just keeping things really super quite simple. What I wanna do is I wanna do an overhaul of your superannuation fund and get rid of any of the underlying or or lacklustre investments. Just give Yeah. it a bit of a refresh and get it get it going from there. Yeah. The one thing I do, I guess, wanna wanna look at, that's probably a conversation for maybe twelve months down the line when we do have the house, but I wanna, I guess, put it to focus now is your insurance policy that you do have with. You have, like, 800 and, you know, $850,000 roughly of life and TPD, and you got your income protection there. I just wanna make sure that maybe in twelve months' time whether that's still appropriate given where you're gonna be and the house purchase when we do go down that line. Yeah. Obviously, Yeah. if something Yeah. happened to you today, that is going to be ample to buy a house outright. So, you know, the kids are gonna be looked after in, you know, in some sense by having a house. But I just wanna sort of raise focus to that area. The Yeah. other Yeah. Yeah. thing, Of course. I guess, we should probably look at given the fact that you have split from your ex is what beneficiaries you wanna have listed on the policies. Yeah. Because if anything were to happen to you, the money needs to be directed somewhere. And we need to probably look at where you want that money directed, whether it's to your new partner or whether it's to the kids, because I'll the have kids it set can up be just the recipient. to go to the kids. Yeah. Okay.","start_word":1457,"end_word":1870,"sentiment":"neutral","sentiment_score":0.0907637698818808},{"text":"And you're happy for it to go to the kids?","start_word":1871,"end_word":1880,"sentiment":"positive","sentiment_score":0.4358566999435425},{"text":"Because realistically, going to the kids means that your ex is gonna get the money. Yeah. Okay. So she will remain guardian or she's the other parent. Like, there's Yeah. because the kids are are so little, they can't control Yeah. money. Yeah. Yeah. Of course. So the kids will get them money, but it'll be basically given to directs to look after them. Yeah. Yeah. And if you're comfortable and happy with that, then there's there's nothing wrong. The only other way to do things would be to direct the money to your estate and have a will in place that dictates where things need to go. The superannuation Yeah. Okay.","start_word":1881,"end_word":1992,"sentiment":"neutral","sentiment_score":0.07334040850400925},{"text":"is really, really limited in who can accept the money.","start_word":1993,"end_word":2002,"sentiment":"negative","sentiment_score":-0.3797638416290283},{"text":"Your ex, Yep. because she's no longer your spouse, isn't actually a valid nomination. Your kids will always be a valid nomination. Yep. Your current partner is currently a valid nomination. If anything happens there, obviously, Yep. she wouldn't be anymore. Yep. And then with your stepchild, Yep.","start_word":2003,"end_word":2050,"sentiment":"neutral","sentiment_score":-0.1459130346775055},{"text":"if you would've it's just god's sake.","start_word":2051,"end_word":2057,"sentiment":"negative","sentiment_score":-0.35233867168426514},{"text":"If something would've happened and you would've split from your current partner, but you still obviously had that father child relationship with your stepchild, Yep. and you wanted to leave money to them because the relationship is resolved with your current partner or with Grace, that child is actually no longer a child connected to you through a relationship.","start_word":2058,"end_word":2116,"sentiment":"neutral","sentiment_score":-0.29512345790863037},{"text":"Therefore, that child is not a valid nomination either. So it's it can get it can get messy when you when we have those beautiful amalgamated families.","start_word":2117,"end_word":2143,"sentiment":"negative","sentiment_score":-0.4025028347969055},{"text":"Yeah. And a will does become a very easy way to do things and make sure that the people that you want get the money, Yep. and Yep.","start_word":2144,"end_word":2171,"sentiment":"neutral","sentiment_score":0.26362326741218567},{"text":"it allows you to dictate very specific things that you wanna include as well.","start_word":2172,"end_word":2185,"sentiment":"positive","sentiment_score":0.3495701849460602},{"text":"So if, you know, you have a brother and you wanna leave him watch, you can do that that way as well. And Yep. it means that you can restrict your with Jessica, wasn't that? Yep. Restrict Jessica from getting the money if you don't want her to specifically have the money, but you want the money to be there for the kids. Generally speaking, that would mean a trust needs to be set up so that way the money can be used for the kids specifically. Yeah. Okay.","start_word":2186,"end_word":2274,"sentiment":"neutral","sentiment_score":0.010114631615579128},{"text":"That's cool.","start_word":2275,"end_word":2276,"sentiment":"positive","sentiment_score":0.36394914984703064},{"text":"Yeah. But what I can do is I can get the the beneficiary document sent out to you, and we Yeah, can nominate please. nominate your estate, or you can you can, you know, sit down, have a chat with with your partner or family and and figure out whether, you know, the money which way the money goes or how you specifically wanna do it. If you do Yeah. have any questions when the documents get to you about how we can do things, I can definitely sit down. We can break it down a little bit more. I just know Yeah. that me dumping this information on you right this second and you having no time to consider it, you're probably Yeah. going, I'll I have to think about it a bit. Yeah. yeah. So I'll get the documents posted to you because they do need to be posted. Yeah. Can I change my address? Yeah. Yeah. Of course. Well, actually, it might still just be easy to send it to my ex's house because The we're oldest moving street? out we're moving house in the next month or two anyway. I can do you have a printer? Because I can I can email them to you for your print? Yeah. Yeah, please. Yeah.","start_word":2277,"end_word":2492,"sentiment":"neutral","sentiment_score":0.045081737347775035},{"text":"Cool. I can do it that way. I'll email them to Awesome. you to print them and find them and fill them out.","start_word":2493,"end_word":2515,"sentiment":"positive","sentiment_score":0.38282936811447144},{"text":"Yep. Cool. So that covers everything off there. I guess from here, what I need to do is I wanna go obviously, this conversation allows me to, a, confirm whether anything changed. And while things did change for you and, like, they are major, I guess, for the focus of the advice piece, it's it it it doesn't change too too much. But with Yeah. the market and the climate the way it is, I wanna have another look through a potential investment options and just make sure that we're on that front. The Yeah. advice document's obviously, like, 10 old, so the climate and and the market has definitely changed. So what Yeah. I wanna do is I just wanna go and do a bit of a refresh through that advice document, get some, you know, different assets swapped out. I'm just looking at some of them. They're pretty solid, but I wanna definitely swap out a couple of them. Yep. And then are you comfortable if I give you a call in a week, so a week today? Yeah. Perfect. Yep. We can Yep. do the same time. And what Yep. we'll do is we will I'll go through the investment options that I picked for this. It'll give you Yep. a week to sit down and consider what happens with the beneficiary form, and Yep. we can kinda go from there with respect to where everything fits. And and, yeah, go from there. Yeah.","start_word":2516,"end_word":2762,"sentiment":"neutral","sentiment_score":0.07444646954536438},{"text":"Sounds good. Alright. Perfect.","start_word":2763,"end_word":2766,"sentiment":"positive","sentiment_score":0.44225263595581055},{"text":"Did you have any questions for me while we were on the phone? No. I don't think so. All good. Alright.","start_word":2767,"end_word":2787,"sentiment":"neutral","sentiment_score":0.10372594743967056},{"text":"Perfect.","start_word":2788,"end_word":2788,"sentiment":"positive","sentiment_score":0.5026127099990845},{"text":"I'll get cracking Uh-huh. with this. We'll speak in a week, and Yep. I'll get an email out to you today with the form.","start_word":2789,"end_word":2812,"sentiment":"neutral","sentiment_score":0.1976250745356083},{"text":"Thank you. No problem.","start_word":2813,"end_word":2816,"sentiment":"positive","sentiment_score":0.5453627705574036},{"text":"Little little big fan like it. Yeah. Bye.","start_word":2817,"end_word":2824,"sentiment":"neutral","sentiment_score":-0.003522772341966629}],"average":{"sentiment":"neutral","sentiment_score":0.0575972867415307}}}}