{"metadata":{"transaction_key":"deprecated","request_id":"01a11329-4513-72f3-a851-2f80a3224138","sha256":"81cb18bb717d150df19b096e4f957ef431ef6105c988258ef46375dfa24e49a4","created":"2026-10-06T21:40:36.517Z","duration":533.3759,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":1836,"output_tokens":144},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":1997,"output_tokens":2001},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":1997,"output_tokens":155}},"results":{"channels":[{"alternatives":[{"transcript":"Hi, Jay. It's Dana from Oakey Financial. How are you this morning? That's okay. Not a problem at all. It is still 07:30 here, but it's honestly all good. I had you booked in to go through your updated statement of advice. Is now still a good time there for you? That's okay. Not a problem at all. I'm gonna send that one to you via email. Are you able to jump into your emails there currently? Fantastic. I've just sent it through to you. It'll come through from OdooSign, and I believe it comes from Dana Taylor as well. Beautiful. How's your morning been so far? Nice. Nice. Date. Now you've got the email there. When you open it up, I'll I'll talk you through it. Before we jump into the call and go through things, I do have to let you know moving forward, our calls are recorded for training and quality purposes. Are you happy for me to proceed with that? Fantastic. And just to do a quick security check there with you as well just to confirm your full name, your date of birth, and address I should have on file. Yep. Yep. Beautiful. Excellent. Thank you so much for that. Now when you've opened that email there, the button that does say click to sign or to sign, if you click that button, it'll allow you to go through so you can review the documents. It'll never ask you to sign anything you haven't read through. It's just you can view each of the documents there. And then let me know when you can see the first one, which should say statement of advice with your name on the front of it. Perfect. Excellent. So you'll see on the front there has never heard for yourself, Jay Alcock, as of the 10/07/2026. So it's got today's date on it. All of our advice is valid for sixty days from the date on the document. On the bottom, they're prepared for yourself by myself here, Dana Taylor, and my authorized representative number registered with ASIC is 1304394. Okay? We'll skip through a couple of pages here and there. I'll direct you to the pages that I need to go through in order to provide the advice and give you the information, and then I'll let you go back and take some time to read it over as a whole document. Okay? Excellent. The next page as we are going through notes of best interest duty, just letting you know that any advice that we do provide is in your best interest. We note as we are going through the recommendations that is a best interest duty statement, which basically relates the recommendations back to your goals and sort of outlines why the recommendations made out within your best interest there for you. Okay? The next page has the scoping of the advice to areas that we are and are not looking at with regards to the advice piece today. So we've scoped in areas of superannuation. You are a high growth investor. You are happy to remain as a high growth investor wanting to see a bit more growth out of your super, but we had sort of noted there was some underperforming investments within your super there. So in order for you to be able to look at having a goal of retiring at about age 65, we're looking at reducing fees and costs within your portfolio, but also looking at updating your portfolio to maximize growth where possible. Okay? Excellent. Underneath that, we've got estate planning. So you basically noted that you wanted your super and life insurance proceeds to be paid out to your two sons at at at a percentage of 50% each to Dylan and Toby. With your super, that has been applied and is completely fine. However, I have scoped this in just to a limited scope just to factor in your life insurance because noting back to our last conversation, you don't have a will in place. And with the beneficiary on your life insurance policy, you actually have it noted legal personal representative. That basically means that if you were to pass away, your super benefit is paid to your estate, which is absolutely fine, but you need to have a will in place for that to then be paid as per your will. The way it is currently set up, if you pass away today, your life proceeds are paid through to your estate, and then it goes through probate, which is a legal process of trying to distribute funds. There's no guarantee that it would end up where you wanted to be. So the recommendation I'm making here is that we update your beneficiary on your life insurance to nominate 50% each to Toby and Dylan as we have on your super. That way, everything is directed to them as per your wishes. Does that make sense? Yeah. Excellent. Excellent. And then the next page notes here that limited scope. So we're not making any changes or recommendations around your insurances at the moment. You've got life and TBD through a sender there. I know my team has sent through the forms to be able to have the loadings reviewed, and we'll still look to do that for you. But we're not altering or changing the actual insurance product at the moment. It is staying as it is. Therefore, I've scoped into a limited scope. That essentially means that we're not making any changes to the insurances as it is. However, we are looking to make sure we understand and scope it in and account for the insurance premiums because they are paid out of your super, and that has an effect on your retirement. So we keep that scoped into a limited scope so that we can take account of the insurance premiums into the projection table for you. Okay? Excellent. And the next page notes this scoping out, and this is very... Areas that we are not considering. So you are a bit younger than 60... Than closer to 65 at the moment. You've got a bit of time ahead of you to build your super up, so we're not focusing on the retirement aspect at this time. It's not really appropriate to do so until you do get closer to the retirement age. So I'm scoping that out for the time being. As you get closer, we'll look at a more detailed aspect around that and look at what that looks like for you. Right now, we're building and accumulating wealth towards your retirement goals. Okay? Excellent. The next page, page number eight, has limiting advice. This is letting you know that we are not lawyers, so we do refer you through to the services of a solicitor for drafting of wills and handling of those sorts of legal issues there. I am a relevant tax provider, so I can provide financial advice around tax and tax related issues under the legislation and the and the act. And it also notes that we do provide advice around gen... Around personal insurance products, so things like life, TPD, income protection, trauma, certain types of business cover as well. However, we don't do general insurance products. These are things like home, motor, some business types of insurances as well. However, we can refer you through to an insurance broker if you did require those general insurance products at any point in time. Okay? Excellent. The next page is the about you section. The one thing I will note here is that we have got a down income of zero for the time being. That is because as per our last conversation, you are still technically working, but you're taking shifts sporadically as per, you know, what you wanted to do. So we weren't able to put an exact dollar figure on how much you were earning. So I've left that as zero there, but it's just because we weren't able to put a set dollar figure down. And I've not factored in contributions into the advice because we can't... We don't have a regular contribution going to be able to factor in to give you an updated projection with contributions there. Okay? Excellent. The next page has your assets and liabilities noted down as per our last conversation, and the one after that, don't your current insurance policy with a sender there. So your life and TPD, how would the current premium prior to us being able to have that reviewed... The loading reviewed for you? 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Jay. It's Dana from Oakey Financial. How are you this morning? That's okay. Not a problem at all.\n\nIt is still 07:30 here, but it's honestly all good. I had you booked in to go through your updated statement of advice. Is now still a good time there for you? That's okay. Not a problem at all.\n\nI'm gonna send that one to you via email. Are you able to jump into your emails there currently? Fantastic. I've just sent it through to you. It'll come through from OdooSign, and I believe it comes from Dana Taylor as well.\n\nBeautiful. How's your morning been so far? Nice. Nice. Date.\n\nNow you've got the email there. When you open it up, I'll I'll talk you through it. Before we jump into the call and go through things, I do have to let you know moving forward, our calls are recorded for training and quality purposes. Are you happy for me to proceed with that? Fantastic.\n\nAnd just to do a quick security check there with you as well just to confirm your full name, your date of birth, and address I should have on file. Yep. Yep. Beautiful. Excellent.\n\nThank you so much for that. Now when you've opened that email there, the button that does say click to sign or to sign, if you click that button, it'll allow you to go through so you can review the documents. It'll never ask you to sign anything you haven't read through. It's just you can view each of the documents there. And then let me know when you can see the first one, which should say statement of advice with your name on the front of it.\n\nPerfect. Excellent. So you'll see on the front there has never heard for yourself, Jay Alcock, as of the 10/07/2026. So it's got today's date on it. All of our advice is valid for sixty days from the date on the document.\n\nOn the bottom, they're prepared for yourself by myself here, Dana Taylor, and my authorized representative number registered with ASIC is 1304394. Okay? We'll skip through a couple of pages here and there. I'll direct you to the pages that I need to go through in order to provide the advice and give you the information, and then I'll let you go back and take some time to read it over as a whole document. Okay?\n\nExcellent. The next page as we are going through notes of best interest duty, just letting you know that any advice that we do provide is in your best interest. We note as we are going through the recommendations that is a best interest duty statement, which basically relates the recommendations back to your goals and sort of outlines why the recommendations made out within your best interest there for you. Okay? The next page has the scoping of the advice to areas that we are and are not looking at with regards to the advice piece today.\n\nSo we've scoped in areas of superannuation. You are a high growth investor. You are happy to remain as a high growth investor wanting to see a bit more growth out of your super, but we had sort of noted there was some underperforming investments within your super there. So in order for you to be able to look at having a goal of retiring at about age 65, we're looking at reducing fees and costs within your portfolio, but also looking at updating your portfolio to maximize growth where possible. Okay?\n\nExcellent. Underneath that, we've got estate planning. So you basically noted that you wanted your super and life insurance proceeds to be paid out to your two sons at at at a percentage of 50% each to Dylan and Toby. With your super, that has been applied and is completely fine. However, I have scoped this in just to a limited scope just to factor in your life insurance because noting back to our last conversation, you don't have a will in place.\n\nAnd with the beneficiary on your life insurance policy, you actually have it noted legal personal representative. That basically means that if you were to pass away, your super benefit is paid to your estate, which is absolutely fine, but you need to have a will in place for that to then be paid as per your will. The way it is currently set up, if you pass away today, your life proceeds are paid through to your estate, and then it goes through probate, which is a legal process of trying to distribute funds. There's no guarantee that it would end up where you wanted to be. So the recommendation I'm making here is that we update your beneficiary on your life insurance to nominate 50% each to Toby and Dylan as we have on your super.\n\nThat way, everything is directed to them as per your wishes. Does that make sense? Yeah. Excellent. Excellent.\n\nAnd then the next page notes here that limited scope. So we're not making any changes or recommendations around your insurances at the moment. You've got life and TBD through a sender there. I know my team has sent through the forms to be able to have the loadings reviewed, and we'll still look to do that for you. But we're not altering or changing the actual insurance product at the moment.\n\nIt is staying as it is. Therefore, I've scoped into a limited scope. That essentially means that we're not making any changes to the insurances as it is. However, we are looking to make sure we understand and scope it in and account for the insurance premiums because they are paid out of your super, and that has an effect on your retirement. So we keep that scoped into a limited scope so that we can take account of the insurance premiums into the projection table for you.\n\nOkay? Excellent. And the next page notes this scoping out, and this is very... Areas that we are not considering. So you are a bit younger than 60...\n\nThan closer to 65 at the moment. You've got a bit of time ahead of you to build your super up, so we're not focusing on the retirement aspect at this time. It's not really appropriate to do so until you do get closer to the retirement age. So I'm scoping that out for the time being. As you get closer, we'll look at a more detailed aspect around that and look at what that looks like for you.\n\nRight now, we're building and accumulating wealth towards your retirement goals. Okay? Excellent. The next page, page number eight, has limiting advice. This is letting you know that we are not lawyers, so we do refer you through to the services of a solicitor for drafting of wills and handling of those sorts of legal issues there.\n\nI am a relevant tax provider, so I can provide financial advice around tax and tax related issues under the legislation and the and the act. And it also notes that we do provide advice around gen... Around personal insurance products, so things like life, TPD, income protection, trauma, certain types of business cover as well. However, we don't do general insurance products. These are things like home, motor, some business types of insurances as well.\n\nHowever, we can refer you through to an insurance broker if you did require those general insurance products at any point in time. Okay? Excellent. The next page is the about you section. The one thing I will note here is that we have got a down income of zero for the time being.\n\nThat is because as per our last conversation, you are still technically working, but you're taking shifts sporadically as per, you know, what you wanted to do. So we weren't able to put an exact dollar figure on how much you were earning. So I've left that as zero there, but it's just because we weren't able to put a set dollar figure down. And I've not factored in contributions into the advice because we can't... We don't have a regular contribution going to be able to factor in to give you an updated projection with contributions there.\n\nOkay? Excellent. The next page has your assets and liabilities noted down as per our last conversation, and the one after that, don't your current insurance policy with a sender there. So your life and TPD, how would the current premium prior to us being able to have that reviewed... The loading reviewed for you?\n\nOkay.","paragraphs":[{"sentences":[{"text":"Hi, Jay.","start":4.3199997,"end":4.7999997,"sentiment":"neutral","sentiment_score":0.1253136359155178},{"text":"It's Dana from Oakey Financial.","start":4.7999997,"end":6.42,"sentiment":"neutral","sentiment_score":0.15531929433345795},{"text":"How are you this morning?","start":6.48,"end":7.7,"sentiment":"neutral","sentiment_score":0.22496349811553956},{"text":"That's okay.","start":13.525,"end":14.345,"sentiment":"neutral","sentiment_score":0.18086140602827072},{"text":"Not a problem at all.","start":14.405,"end":15.445,"sentiment":"neutral","sentiment_score":0.283824223279953}],"sentiment":"neutral","sentiment_score":0.20699395592275419,"num_words":19,"start":4.3199997,"end":15.445},{"sentences":[{"text":"It is still 07:30 here, but it's honestly all good.","start":15.445,"end":18.185,"sentiment":"positive","sentiment_score":0.4011173501610756},{"text":"I had you booked in to go through your updated statement of advice.","start":18.565,"end":21.365,"sentiment":"neutral","sentiment_score":0.2583909252515206},{"text":"Is now still a good time there for you?","start":21.365,"end":23.385,"sentiment":"neutral","sentiment_score":0.195629530482822},{"text":"That's okay.","start":26.21,"end":26.93,"sentiment":"neutral","sentiment_score":0.19647203385829926},{"text":"Not a problem at all.","start":26.93,"end":27.89,"sentiment":"neutral","sentiment_score":0.18716445565223694}],"sentiment":"neutral","sentiment_score":0.26819711923599243,"num_words":39,"start":15.445,"end":27.89},{"sentences":[{"text":"I'm gonna send that one to you via email.","start":27.89,"end":30.369999,"sentiment":"neutral","sentiment_score":0.13990708357757992},{"text":"Are you able to jump into your emails there currently?","start":30.369999,"end":32.71,"sentiment":"neutral","sentiment_score":0.06214395724236965},{"text":"Fantastic.","start":35.809998,"end":36.309998,"sentiment":"positive","sentiment_score":0.6215845346450806},{"text":"I've just sent it through to you.","start":36.45,"end":37.89,"sentiment":"positive","sentiment_score":0.4681834025042398},{"text":"It'll come through from OdooSign, and I believe it comes from Dana Taylor as well.","start":37.89,"end":42.575,"sentiment":"neutral","sentiment_score":0.27442739804585775}],"sentiment":"neutral","sentiment_score":0.2356162535115367,"num_words":42,"start":27.89,"end":42.575},{"sentences":[{"text":"Beautiful.","start":76.825,"end":77.325,"sentiment":"positive","sentiment_score":0.5187243223190308},{"text":"How's your morning been so far?","start":78.28,"end":79.979996,"sentiment":"neutral","sentiment_score":0.255594365298748},{"text":"Nice.","start":85.96,"end":86.46,"sentiment":"positive","sentiment_score":0.5092061161994934},{"text":"Nice.","start":86.6,"end":87.1,"sentiment":"positive","sentiment_score":0.4175295829772949},{"text":"Date.","start":88.119995,"end":88.36,"sentiment":"neutral","sentiment_score":0.23984527587890625}],"sentiment":"neutral","sentiment_score":0.3218871489167213,"num_words":10,"start":76.825,"end":88.36},{"sentences":[{"text":"Now you've got the email there.","start":88.36,"end":89.56,"sentiment":"neutral","sentiment_score":0.142379030585289},{"text":"When you open it up, I'll I'll talk you through it.","start":89.56,"end":91.96,"sentiment":"neutral","sentiment_score":0.15918858620253476},{"text":"Before we jump into the call and go through things, I do have to let you know moving forward, our calls are recorded for training and quality purposes.","start":92.2,"end":98.035,"sentiment":"neutral","sentiment_score":0.11460861483854907},{"text":"Are you happy for me to proceed with that?","start":98.095,"end":100.035,"sentiment":"neutral","sentiment_score":0.18559424413575065},{"text":"Fantastic.","start":101.695,"end":102.195,"sentiment":"neutral","sentiment_score":0.21236249804496765}],"sentiment":"neutral","sentiment_score":0.13994728259064934,"num_words":55,"start":88.36,"end":102.195},{"sentences":[{"text":"And just to do a quick security check there with you as well just to confirm your full name, your date of birth, and address I should have on file.","start":102.735,"end":108.995,"sentiment":"neutral","sentiment_score":0.08947398302455743},{"text":"Yep.","start":115.450005,"end":115.950005,"sentiment":"neutral","sentiment_score":0.035335443913936615},{"text":"Yep.","start":120.01,"end":120.51,"sentiment":"neutral","sentiment_score":0.03612329065799713},{"text":"Beautiful.","start":125.785,"end":126.285,"sentiment":"neutral","sentiment_score":0.32684141397476196},{"text":"Excellent.","start":127.145004,"end":127.645004,"sentiment":"positive","sentiment_score":0.4459667205810547}],"sentiment":"neutral","sentiment_score":0.10377901058424921,"num_words":34,"start":102.735,"end":127.645004},{"sentences":[{"text":"Thank you so much for that.","start":127.785,"end":129.405,"sentiment":"positive","sentiment_score":0.5240943282842636},{"text":"Now when you've opened that email there, the button that does say click to sign or to sign, if you click that button, it'll allow you to go through so you can review the documents.","start":130.185,"end":139.0,"sentiment":"neutral","sentiment_score":0.18338737402643476},{"text":"It'll never ask you to sign anything you haven't read through.","start":139.0,"end":141.56,"sentiment":"neutral","sentiment_score":0.16283976218917154},{"text":"It's just you can view each of the documents there.","start":141.56,"end":144.14,"sentiment":"neutral","sentiment_score":0.1428947813808918},{"text":"And then let me know when you can see the first one, which should say statement of advice with your name on the front of it.","start":149.175,"end":154.55501,"sentiment":"neutral","sentiment_score":0.07222071046439502}],"sentiment":"neutral","sentiment_score":0.1666028151203963,"num_words":88,"start":127.785,"end":154.55501},{"sentences":[{"text":"Perfect.","start":166.07,"end":166.57,"sentiment":"positive","sentiment_score":0.7291863560676575},{"text":"Excellent.","start":166.87001,"end":167.37001,"sentiment":"positive","sentiment_score":0.6697200536727905},{"text":"So you'll see on the front there has never heard for yourself, Jay Alcock, as of the 10/07/2026.","start":167.99,"end":173.935,"sentiment":"neutral","sentiment_score":0.1240646650807725},{"text":"So it's got today's date on it.","start":173.935,"end":175.375,"sentiment":"neutral","sentiment_score":0.10179733804294042},{"text":"All of our advice is valid for sixty days from the date on the document.","start":175.375,"end":178.675,"sentiment":"neutral","sentiment_score":0.09902256478865941}],"sentiment":"neutral","sentiment_score":0.1388092909363054,"num_words":42,"start":166.07,"end":178.675},{"sentences":[{"text":"On the bottom, they're prepared for yourself by myself here, Dana Taylor, and my authorized representative number registered with ASIC is 1304394.","start":179.375,"end":187.81999,"sentiment":"neutral","sentiment_score":0.08351257494227453},{"text":"Okay?","start":187.81999,"end":188.31999,"sentiment":"neutral","sentiment_score":0.039257679134607315},{"text":"We'll skip through a couple of pages here and there.","start":189.73999,"end":191.9,"sentiment":"neutral","sentiment_score":0.0492306899279356},{"text":"I'll direct you to the pages that I need to go through in order to provide the advice and give you the information, and then I'll let you go back and take some time to read it over as a whole document.","start":191.9,"end":200.56,"sentiment":"neutral","sentiment_score":0.10904633821476073},{"text":"Okay?","start":200.85999,"end":201.35999,"sentiment":"neutral","sentiment_score":0.06842029094696045}],"sentiment":"neutral","sentiment_score":0.09233168056724887,"num_words":76,"start":179.375,"end":201.35999},{"sentences":[{"text":"Excellent.","start":203.455,"end":203.955,"sentiment":"positive","sentiment_score":0.5574023723602295},{"text":"The next page as we are going through notes of best interest duty, just letting you know that any advice that we do provide is in your best interest.","start":204.255,"end":210.675,"sentiment":"neutral","sentiment_score":0.2214142631354003},{"text":"We note as we are going through the recommendations that is a best interest duty statement, which basically relates the recommendations back to your goals and sort of outlines why the recommendations made out within your best interest there for you.","start":210.975,"end":223.76999,"sentiment":"neutral","sentiment_score":0.13083698700477436},{"text":"Okay?","start":223.83,"end":224.33,"sentiment":"neutral","sentiment_score":0.039661530405282974},{"text":"The next page has the scoping of the advice to areas that we are and are not looking at with regards to the advice piece today.","start":226.15,"end":232.36499,"sentiment":"neutral","sentiment_score":-0.05995272773389633}],"sentiment":"neutral","sentiment_score":0.11044513346741394,"num_words":98,"start":203.455,"end":232.36499},{"sentences":[{"text":"So we've scoped in areas of superannuation.","start":232.36499,"end":234.385,"sentiment":"neutral","sentiment_score":0.020249781464891776},{"text":"You are a high growth investor.","start":235.565,"end":237.005,"sentiment":"neutral","sentiment_score":0.16753844420115152},{"text":"You are happy to remain as a high growth investor wanting to see a bit more growth out of your super, but we had sort of noted there was some underperforming investments within your super there.","start":237.005,"end":245.965,"sentiment":"neutral","sentiment_score":0.09248542764948474},{"text":"So in order for you to be able to look at having a goal of retiring at about age 65, we're looking at reducing fees and costs within your portfolio, but also looking at updating your portfolio to maximize growth where possible.","start":245.965,"end":259.69998,"sentiment":"neutral","sentiment_score":0.152146413035336},{"text":"Okay?","start":260.0,"end":260.5,"sentiment":"neutral","sentiment_score":0.0882500559091568}],"sentiment":"neutral","sentiment_score":0.11907449928517251,"num_words":92,"start":232.36499,"end":260.5},{"sentences":[{"text":"Excellent.","start":262.385,"end":262.885,"sentiment":"positive","sentiment_score":0.40991097688674927},{"text":"Underneath that, we've got estate planning.","start":263.185,"end":264.865,"sentiment":"neutral","sentiment_score":0.20640824735164642},{"text":"So you basically noted that you wanted your super and life insurance proceeds to be paid out to your two sons at at at a percentage of 50% each to Dylan and Toby.","start":264.865,"end":274.805,"sentiment":"neutral","sentiment_score":0.26932044327259064},{"text":"With your super, that has been applied and is completely fine.","start":275.03,"end":277.99002,"sentiment":"positive","sentiment_score":0.39286112649874255},{"text":"However, I have scoped this in just to a limited scope just to factor in your life insurance because noting back to our last conversation, you don't have a will in place.","start":277.99002,"end":287.29,"sentiment":"neutral","sentiment_score":-0.07090414210688323}],"sentiment":"neutral","sentiment_score":0.15166837268744607,"num_words":83,"start":262.385,"end":287.29},{"sentences":[{"text":"And with the beneficiary on your life insurance policy, you actually have it noted legal personal representative.","start":287.515,"end":292.89502,"sentiment":"neutral","sentiment_score":0.005292520693996374},{"text":"That basically means that if you were to pass away, your super benefit is paid to your estate, which is absolutely fine, but you need to have a will in place for that to then be paid as per your will.","start":293.83502,"end":304.66,"sentiment":"neutral","sentiment_score":-0.003317568451166153},{"text":"The way it is currently set up, if you pass away today, your life proceeds are paid through to your estate, and then it goes through probate, which is a legal process of trying to distribute funds.","start":305.12,"end":315.12,"sentiment":"neutral","sentiment_score":-0.052539738247523435},{"text":"There's no guarantee that it would end up where you wanted to be.","start":315.12,"end":318.625,"sentiment":"neutral","sentiment_score":-0.20100043140924895},{"text":"So the recommendation I'm making here is that we update your beneficiary on your life insurance to nominate 50% each to Toby and Dylan as we have on your super.","start":318.625,"end":329.60498,"sentiment":"neutral","sentiment_score":0.22310581964751083}],"sentiment":"neutral","sentiment_score":0.015146023269904696,"num_words":138,"start":287.515,"end":329.60498},{"sentences":[{"text":"That way, everything is directed to them as per your wishes.","start":329.905,"end":333.54,"sentiment":"neutral","sentiment_score":0.32836680656129663},{"text":"Does that make sense?","start":333.62,"end":335.0,"sentiment":"neutral","sentiment_score":0.19307764247059822},{"text":"Yeah.","start":336.82,"end":337.30002,"sentiment":"neutral","sentiment_score":0.30137190222740173},{"text":"Excellent.","start":337.30002,"end":337.80002,"sentiment":"positive","sentiment_score":0.6211299896240234},{"text":"Excellent.","start":338.02002,"end":338.52002,"sentiment":"positive","sentiment_score":0.5688705444335938}],"sentiment":"neutral","sentiment_score":0.32642877101898193,"num_words":18,"start":329.905,"end":338.52002},{"sentences":[{"text":"And then the next page notes here that limited scope.","start":339.86002,"end":342.98,"sentiment":"neutral","sentiment_score":0.06672606207430362},{"text":"So we're not making any changes or recommendations around your insurances at the moment.","start":342.98,"end":347.535,"sentiment":"neutral","sentiment_score":-0.17841039119022234},{"text":"You've got life and TBD through a sender there.","start":347.535,"end":350.27502,"sentiment":"neutral","sentiment_score":-0.08520225518279606},{"text":"I know my team has sent through the forms to be able to have the loadings reviewed, and we'll still look to do that for you.","start":350.49503,"end":356.355,"sentiment":"neutral","sentiment_score":0.008394826919986652},{"text":"But we're not altering or changing the actual insurance product at the moment.","start":356.73502,"end":360.73502,"sentiment":"neutral","sentiment_score":-0.22615938461743867}],"sentiment":"neutral","sentiment_score":-0.07387655073155959,"num_words":72,"start":339.86002,"end":360.73502},{"sentences":[{"text":"It is staying as it is.","start":360.73502,"end":362.31,"sentiment":"neutral","sentiment_score":-0.0841834203650554},{"text":"Therefore, I've scoped into a limited scope.","start":362.55,"end":364.55,"sentiment":"neutral","sentiment_score":-0.02547097738300051},{"text":"That essentially means that we're not making any changes to the insurances as it is.","start":364.55,"end":368.63,"sentiment":"neutral","sentiment_score":-0.07630531657487154},{"text":"However, we are looking to make sure we understand and scope it in and account for the insurance premiums because they are paid out of your super, and that has an effect on your retirement.","start":368.63,"end":380.255,"sentiment":"neutral","sentiment_score":0.03643955173236983},{"text":"So we keep that scoped into a limited scope so that we can take account of the insurance premiums into the projection table for you.","start":380.39502,"end":388.315,"sentiment":"neutral","sentiment_score":0.1705747726559639}],"sentiment":"neutral","sentiment_score":0.042179278574291275,"num_words":88,"start":360.73502,"end":388.315},{"sentences":[{"text":"Okay?","start":388.315,"end":388.815,"sentiment":"neutral","sentiment_score":0.0584714412689209},{"text":"Excellent.","start":390.635,"end":391.135,"sentiment":"positive","sentiment_score":0.40027284622192383},{"text":"And the next page notes this scoping out, and this is very...","start":391.97998,"end":395.09998,"sentiment":"neutral","sentiment_score":0.01899263107528289},{"text":"Areas that we are not considering.","start":395.09998,"end":396.56,"sentiment":"neutral","sentiment_score":-0.16830179591973624},{"text":"So you are a bit younger than 60...","start":396.69998,"end":398.47998,"sentiment":"neutral","sentiment_score":-0.12599710654467344}],"sentiment":"neutral","sentiment_score":-0.04754042026719877,"num_words":28,"start":388.315,"end":398.47998},{"sentences":[{"text":"Than closer to 65 at the moment.","start":398.62,"end":400.3,"sentiment":"neutral","sentiment_score":-0.09560658250536237},{"text":"You've got a bit of time ahead of you to build your super up, so we're not focusing on the retirement aspect at this time.","start":400.3,"end":406.38,"sentiment":"neutral","sentiment_score":-0.08794629126787186},{"text":"It's not really appropriate to do so until you do get closer to the retirement age.","start":406.38,"end":410.565,"sentiment":"neutral","sentiment_score":-0.33060869108885527},{"text":"So I'm scoping that out for the time being.","start":410.70502,"end":412.965,"sentiment":"neutral","sentiment_score":0.05313346121046278},{"text":"As you get closer, we'll look at a more detailed aspect around that and look at what that looks like for you.","start":413.025,"end":418.245,"sentiment":"neutral","sentiment_score":0.1967391795055433}],"sentiment":"neutral","sentiment_score":-0.042419991349872156,"num_words":79,"start":398.62,"end":418.245},{"sentences":[{"text":"Right now, we're building and accumulating wealth towards your retirement goals.","start":418.385,"end":422.33,"sentiment":"positive","sentiment_score":0.3971144976941022},{"text":"Okay?","start":422.47,"end":422.97,"sentiment":"neutral","sentiment_score":0.15738171339035034},{"text":"Excellent.","start":424.15,"end":424.65,"sentiment":"positive","sentiment_score":0.5891512632369995},{"text":"The next page, page number eight, has limiting advice.","start":425.83,"end":428.47,"sentiment":"neutral","sentiment_score":0.0041971831685966915},{"text":"This is letting you know that we are not lawyers, so we do refer you through to the services of a solicitor for drafting of wills and handling of those sorts of legal issues there.","start":428.47,"end":438.64502,"sentiment":"neutral","sentiment_score":0.020490541521992003}],"sentiment":"neutral","sentiment_score":0.10297782549209762,"num_words":57,"start":418.385,"end":438.64502},{"sentences":[{"text":"I am a relevant tax provider, so I can provide financial advice around tax and tax related issues under the legislation and the and the act.","start":438.64502,"end":446.825,"sentiment":"neutral","sentiment_score":0.04963567100751858},{"text":"And it also notes that we do provide advice around gen...","start":447.285,"end":450.185,"sentiment":"neutral","sentiment_score":0.009777025742964312},{"text":"Around personal insurance products, so things like life, TPD, income protection, trauma, certain types of business cover as well.","start":450.325,"end":457.81998,"sentiment":"neutral","sentiment_score":-0.024223333748523146},{"text":"However, we don't do general insurance products.","start":457.81998,"end":460.46,"sentiment":"neutral","sentiment_score":-0.11856467596122197},{"text":"These are things like home, motor, some business types of insurances as well.","start":460.46,"end":465.68,"sentiment":"neutral","sentiment_score":-0.08793931196515377}],"sentiment":"neutral","sentiment_score":-0.013622794725386867,"num_words":76,"start":438.64502,"end":465.68},{"sentences":[{"text":"However, we can refer you through to an insurance broker if you did require those general insurance products at any point in time.","start":465.865,"end":472.425,"sentiment":"neutral","sentiment_score":0.0012893892176773238},{"text":"Okay?","start":472.425,"end":472.925,"sentiment":"neutral","sentiment_score":0.024501606822013855},{"text":"Excellent.","start":474.82498,"end":475.32498,"sentiment":"positive","sentiment_score":0.3920767307281494},{"text":"The next page is the about you section.","start":475.865,"end":478.125,"sentiment":"neutral","sentiment_score":0.1266339747235179},{"text":"The one thing I will note here is that we have got a down income of zero for the time being.","start":478.79,"end":483.99,"sentiment":"neutral","sentiment_score":0.07022932774963833}],"sentiment":"neutral","sentiment_score":0.05433559203865351,"num_words":54,"start":465.865,"end":483.99},{"sentences":[{"text":"That is because as per our last conversation, you are still technically working, but you're taking shifts sporadically as per, you know, what you wanted to do.","start":483.99,"end":491.83,"sentiment":"neutral","sentiment_score":0.03752873639610631},{"text":"So we weren't able to put an exact dollar figure on how much you were earning.","start":491.83,"end":495.685,"sentiment":"neutral","sentiment_score":-0.04360258509404957},{"text":"So I've left that as zero there, but it's just because we weren't able to put a set dollar figure down.","start":495.82498,"end":501.04498,"sentiment":"neutral","sentiment_score":-0.07861722473587308},{"text":"And I've not factored in contributions into the advice because we can't...","start":501.345,"end":504.865,"sentiment":"neutral","sentiment_score":-0.18739745703836283},{"text":"We don't have a regular contribution going to be able to factor in to give you an updated projection with contributions there.","start":504.865,"end":511.97,"sentiment":"neutral","sentiment_score":-0.24520656060088764}],"sentiment":"neutral","sentiment_score":-0.09161878587697081,"num_words":98,"start":483.99,"end":511.97},{"sentences":[{"text":"Okay?","start":511.97,"end":512.47,"sentiment":"neutral","sentiment_score":-0.00026992708444595337},{"text":"Excellent.","start":514.37,"end":514.87,"sentiment":"neutral","sentiment_score":-0.017565488815307617},{"text":"The next page has your assets and liabilities noted down as per our last conversation, and the one after that, don't your current insurance 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Jay speaking. Doing good, Diana. Good. How are you? A bit early for you there maybe. Yes. It is. Yeah. Thanks, Dana. Yeah. Yes. I am. K. It's just come through now. Yeah. Good. Yeah. Just slow and steady working through things. Yep. Yep. No worries. Yes. It's j Alcock, 02/13/0975. 18 Story Street, North Wantaghy. It's my address.. Okay. Yes. I'm looking at that now. Yeah. Yep. Okay. Okay. Great. Okay. Okay. Fine. Entellus. Yeah. Okay. Okay. Great. Okay. Okay. 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Jay speaking. Doing good, Diana. Good. How are you?\n\nA bit early for you there maybe. Yes. It is. Yeah. Thanks, Dana.\n\nYeah. Yes. I am. K. It's just come through now.\n\nYeah. Good. Yeah. Just slow and steady working through things. Yep.\n\nYep. No worries. Yes. It's j Alcock, 02/13/0975. 18 Story Street, North Wantaghy.\n\nIt's my address.. Okay. Yes. I'm looking at that now. Yeah.\n\nYep. Okay. Okay. Great. Okay.\n\nOkay. Fine. Entellus. Yeah. Okay.\n\nOkay. Great. Okay. Okay. 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1: Hello. Jay speaking.\n\nChannel 0: Hi, Jay. It's Dana from Oakey Financial. How are you this morning?\n\nChannel 1: Doing good, Diana. Good. How are you? A bit early for you there maybe.\n\nChannel 0: That's okay. Not a problem at all. It is still 07:30 here, but it's honestly all good. I had you booked in to go through your updated statement of advice. Is now still a good time there for you?\n\nChannel 1: Yes. It is. Yeah. Thanks, Dana. Yeah.\n\nChannel 0: That's okay. Not a problem at all. I'm gonna send that one to you via email. Are you able to jump into your emails there currently?\n\nChannel 1: Yes. I am.\n\nChannel 0: Fantastic. I've just sent it through to you. It'll come through from OdooSign, and I believe it comes from Dana Taylor as well.\n\nChannel 1: K. It's just come through now.\n\nChannel 0: Beautiful. How's your morning been so far?\n\nChannel 1: Yeah. Good. Yeah. Just slow and steady working through things.\n\nChannel 0: Nice. Nice. Date. Now you've got the email there. When you open it up, I'll I'll talk you through it.\n\nBefore we jump into the call and go through things, I do have to let you know moving forward, our calls are recorded for training and quality purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yep. Yep. No\n\nChannel 0: Fantastic.\n\nChannel 1: worries.\n\nChannel 0: And just to do a quick security check there with you as well just to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: Yes. It's j Alcock,\n\nChannel 0: Yep.\n\nChannel 1: 02/13/0975.\n\nChannel 0: Yep.\n\nChannel 1: 18 Story Street, North Wantaghy. It's\n\nChannel 0: Beautiful.\n\nChannel 1: my address..\n\nChannel 0: Excellent. Thank you so much for that. Now when you've opened that email there, the button that does say click to sign or to sign, if you click that button, it'll allow you to go through so you can review the documents. It'll never ask you to sign anything you haven't read through. It's just you can view each of the documents there.\n\nChannel 1: Okay.\n\nChannel 0: And then let me know when you can see the first one, which should say statement of advice with your name on the front of it.\n\nChannel 1: Yes. I'm looking at that now. Yeah.\n\nChannel 0: Perfect. Excellent. So you'll see on the front there has never heard for yourself, Jay Alcock, as of the 10/07/2026. So it's got today's date on it. All of our advice is valid for sixty days from the date on the document.\n\nOn the bottom,\n\nChannel 1: Yep.\n\nChannel 0: they're prepared for yourself by myself here, Dana Taylor, and my authorized representative number registered with ASIC is 1304394. Okay?\n\nChannel 1: Okay.\n\nChannel 0: We'll skip through a couple of pages here and there. I'll direct you to the pages that I need to go through in order to provide the advice and give you the information, and then I'll let you go back and take some time to read it over as a whole document. Okay?\n\nChannel 1: Okay. Great.\n\nChannel 0: Excellent. The next page as we are going through notes of best interest duty, just letting you know that any advice that we do provide is in your best interest. We note as we are going through the recommendations that is a best interest duty statement, which basically relates the recommendations back to your goals and sort of outlines why the recommendations made out within your best interest there for you. Okay?\n\nChannel 1: Okay.\n\nChannel 0: The next page has the scoping of the advice to areas that we are and are not looking at with regards to the advice piece today. So we've scoped in areas of superannuation. You are a high growth investor. You are happy to remain as a high growth investor wanting to see a bit more growth out of your super, but we had sort of noted there was some underperforming investments within your super there. So in order for you to be able to look at having a goal of retiring at about age 65, we're looking at reducing fees and costs within your portfolio, but also looking at updating your portfolio to maximize growth where possible.\n\nOkay?\n\nChannel 1: Okay.\n\nChannel 0: Excellent. Underneath that, we've got estate planning. So you basically noted that you wanted your super and life insurance proceeds to be paid out to your two sons at at at a percentage of 50% each to Dylan and Toby. With your super, that has been applied and is completely fine. However, I have scoped this in just to a limited scope just to factor in your life insurance because noting back to our last conversation, you don't have a will in place.\n\nAnd with the beneficiary on your life insurance policy, you actually have it noted legal personal representative. That basically means that if you were to pass away, your super benefit is paid to your estate, which is absolutely fine, but you need to have a will in place for that to then be paid as per your will. The way it is currently set up, if you pass away today, your life proceeds are paid through to your estate, and then it goes through probate, which is a legal process of trying to distribute funds. There's no guarantee that it would end up where you wanted to be. So the recommendation\n\nChannel 1: Fine.\n\nChannel 0: I'm making here is that we update your beneficiary on your life insurance to nominate 50% each to Toby and Dylan as we have on your super. That way, everything is directed to them as per your wishes. Does that make sense?\n\nChannel 1: Entellus. Yeah.\n\nChannel 0: Yeah. Excellent. Excellent. And then the next page notes here that limited scope. So we're not making any changes or recommendations around your insurances at the moment.\n\nYou've got life and TBD through a sender there. I know my team has sent through the forms to be able to have the loadings reviewed, and we'll still look to do that for you. But we're not altering or changing the actual insurance product at the moment. It is staying as it is. Therefore, I've scoped into a limited scope.\n\nThat essentially means that we're not making any changes to the insurances as it is. However, we are looking to make sure we understand and scope it in and account for the insurance premiums because they are paid out of your super, and that has an effect on your retirement. So we keep that scoped into a limited scope so that we can take account of the insurance premiums into the projection table for you. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Excellent. And the next page notes this scoping out, and this is very... Areas that we are not considering. So you are a bit younger than 60... Than closer to 65 at the moment.\n\nYou've got a bit of time ahead of you to build your super up, so we're not focusing on the retirement aspect at this time. It's not really appropriate to do so until you do get closer to the retirement age. So I'm scoping that out for the time being. As you get closer, we'll look at a more detailed aspect around that and look at what that looks like for you. Right now, we're building and accumulating wealth towards your retirement goals.\n\nOkay?\n\nChannel 1: Okay. Great.\n\nChannel 0: Excellent. The next page, page number eight, has limiting advice. This is letting you know that we are not lawyers, so we do refer you through to the services of a solicitor for drafting of wills and handling of those sorts of legal issues there. I am a relevant tax provider, so I can provide financial advice around tax and tax related issues under the legislation and the and the act. And it also notes that we do provide advice around gen...\n\nAround personal insurance products, so things like life, TPD, income protection, trauma, certain types of business cover as well. However, we don't do general insurance products. These are things like home, motor, some business types of insurances as well. However, we can refer you through to an insurance broker if you did require those general insurance products at any point in time. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Excellent. The next page is the about you section. The one thing I will note here is that we have got a down income of zero for the time being. That is because as per our last conversation, you are still technically working, but you're taking shifts sporadically as per, you know, what you wanted to do. So we weren't able to put an exact dollar figure on how much you were earning.\n\nSo I've left that as zero there, but it's just because we weren't able to put a set dollar figure down. And I've not factored in contributions into the advice because we can't... We don't have a regular contribution going to be able to factor in to give you an updated projection with contributions there. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Excellent. The next page has your assets and liabilities noted down as per our last conversation, and the one after that, don't your current insurance policy with a sender there. So your life and TPD, how would the current premium prior to us being able to have that reviewed... The loading reviewed for you? Okay.\n\nChannel 1: Okay.","paragraphs":[{"sentences":[{"text":"Hello.","start":2.48,"end":2.98,"sentiment":"neutral","sentiment_score":0.029741890728473663},{"text":"Jay speaking.","start":3.04,"end":3.78,"sentiment":"neutral","sentiment_score":0.025647860951721668}],"sentiment":"neutral","sentiment_score":0.027012537543972332,"channel":1,"num_words":3,"start":2.48,"end":3.78},{"sentences":[{"text":"Hi, Jay.","start":4.3199997,"end":4.7999997,"sentiment":"neutral","sentiment_score":0.1253136359155178},{"text":"It's Dana from Oakey Financial.","start":4.7999997,"end":6.42,"sentiment":"neutral","sentiment_score":0.15531929433345795},{"text":"How are you this morning?","start":6.48,"end":7.7,"sentiment":"neutral","sentiment_score":0.22496349811553956}],"sentiment":"neutral","sentiment_score":0.17933676950633526,"channel":0,"num_words":12,"start":4.3199997,"end":7.7},{"sentences":[{"text":"Doing good, Diana.","start":8.0,"end":9.2,"sentiment":"positive","sentiment_score":0.5605250795682272},{"text":"Good.","start":9.2,"end":9.679999,"sentiment":"positive","sentiment_score":0.562008261680603},{"text":"How are you?","start":9.679999,"end":10.5,"sentiment":"neutral","sentiment_score":0.3326106369495392},{"text":"A bit early for you there maybe.","start":11.12,"end":12.82,"sentiment":"neutral","sentiment_score":0.034630034651075094}],"sentiment":"neutral","sentiment_score":0.24884468955653055,"channel":1,"num_words":14,"start":8.0,"end":12.82},{"sentences":[{"text":"That's okay.","start":13.525,"end":14.345,"sentiment":"neutral","sentiment_score":0.18086140602827072},{"text":"Not a problem at all.","start":14.405,"end":15.445,"sentiment":"neutral","sentiment_score":0.283824223279953},{"text":"It is still 07:30 here, but it's honestly all good.","start":15.445,"end":18.185,"sentiment":"positive","sentiment_score":0.4011173501610756},{"text":"I had you booked in to go through your updated statement of advice.","start":18.565,"end":21.365,"sentiment":"neutral","sentiment_score":0.2583909252515206},{"text":"Is now still a good time there for you?","start":21.365,"end":23.385,"sentiment":"neutral","sentiment_score":0.195629530482822}],"sentiment":"neutral","sentiment_score":0.2797888521200571,"channel":0,"num_words":39,"start":13.525,"end":23.385},{"sentences":[{"text":"Yes.","start":23.925,"end":24.244999,"sentiment":"neutral","sentiment_score":0.1521228849887848},{"text":"It is.","start":24.244999,"end":24.724998,"sentiment":"neutral","sentiment_score":0.15241504460573196},{"text":"Yeah.","start":24.724998,"end":24.965,"sentiment":"neutral","sentiment_score":0.18549901247024536},{"text":"Thanks, Dana.","start":24.965,"end":25.865,"sentiment":"positive","sentiment_score":0.380165159702301},{"text":"Yeah.","start":26.005,"end":26.505,"sentiment":"neutral","sentiment_score":0.21536678075790405}],"sentiment":"neutral","sentiment_score":0.23116415526185716,"channel":1,"num_words":7,"start":23.925,"end":26.505},{"sentences":[{"text":"That's okay.","start":26.21,"end":26.93,"sentiment":"neutral","sentiment_score":0.19647203385829926},{"text":"Not a problem at all.","start":26.93,"end":27.89,"sentiment":"neutral","sentiment_score":0.18716445565223694},{"text":"I'm gonna send that one to you via email.","start":27.89,"end":30.369999,"sentiment":"neutral","sentiment_score":0.13990708357757992},{"text":"Are you able to jump into your emails there currently?","start":30.369999,"end":32.71,"sentiment":"neutral","sentiment_score":0.06214395724236965}],"sentiment":"neutral","sentiment_score":0.12343729502306534,"channel":0,"num_words":26,"start":26.21,"end":32.71},{"sentences":[{"text":"Yes.","start":34.28,"end":34.68,"sentiment":"neutral","sentiment_score":0.13956516981124878},{"text":"I am.","start":34.68,"end":35.420002,"sentiment":"neutral","sentiment_score":0.24357670545578003}],"sentiment":"neutral","sentiment_score":0.20890619357426962,"channel":1,"num_words":3,"start":34.28,"end":35.420002},{"sentences":[{"text":"Fantastic.","start":35.809998,"end":36.309998,"sentiment":"positive","sentiment_score":0.6215845346450806},{"text":"I've just sent it through to you.","start":36.45,"end":37.89,"sentiment":"positive","sentiment_score":0.4681834025042398},{"text":"It'll come through from OdooSign, and I believe it comes from Dana Taylor as well.","start":37.89,"end":42.575,"sentiment":"neutral","sentiment_score":0.27442739804585775}],"sentiment":"positive","sentiment_score":0.34849040534185327,"channel":0,"num_words":23,"start":35.809998,"end":42.575},{"sentences":[{"text":"K.","start":43.645,"end":44.145,"sentiment":"neutral","sentiment_score":0.12685519456863403},{"text":"It's just come through now.","start":74.405,"end":76.104996,"sentiment":"neutral","sentiment_score":0.2065316379070282}],"sentiment":"neutral","sentiment_score":0.1932522306839625,"channel":1,"num_words":6,"start":43.645,"end":76.104996},{"sentences":[{"text":"Beautiful.","start":76.825,"end":77.325,"sentiment":"positive","sentiment_score":0.5187243223190308},{"text":"How's your morning been so far?","start":78.28,"end":79.979996,"sentiment":"neutral","sentiment_score":0.255594365298748}],"sentiment":"neutral","sentiment_score":0.29318435915878843,"channel":0,"num_words":7,"start":76.825,"end":79.979996},{"sentences":[{"text":"Yeah.","start":80.965,"end":81.205,"sentiment":"neutral","sentiment_score":0.2080167531967163},{"text":"Good.","start":81.205,"end":81.705,"sentiment":"neutral","sentiment_score":0.27112358808517456},{"text":"Yeah.","start":82.0,"end":82.24,"sentiment":"neutral","sentiment_score":0.13033020496368408},{"text":"Just slow and steady working through things.","start":82.24,"end":85.299995,"sentiment":"neutral","sentiment_score":0.1940613772187914}],"sentiment":"neutral","sentiment_score":0.19679001867771148,"channel":1,"num_words":10,"start":80.965,"end":85.299995},{"sentences":[{"text":"Nice.","start":85.96,"end":86.46,"sentiment":"positive","sentiment_score":0.5092061161994934},{"text":"Nice.","start":86.6,"end":87.1,"sentiment":"positive","sentiment_score":0.4175295829772949},{"text":"Date.","start":88.119995,"end":88.36,"sentiment":"neutral","sentiment_score":0.23984527587890625},{"text":"Now you've got the email there.","start":88.36,"end":89.56,"sentiment":"neutral","sentiment_score":0.142379030585289},{"text":"When you open it up, I'll I'll talk you through it.","start":89.56,"end":91.96,"sentiment":"neutral","sentiment_score":0.15918858620253476}],"sentiment":"neutral","sentiment_score":0.18859648033976556,"channel":0,"num_words":20,"start":85.96,"end":91.96},{"sentences":[{"text":"Before we jump into the call and go through things, I do have to let you know moving forward, our calls are recorded for training and quality purposes.","start":92.2,"end":98.035,"sentiment":"neutral","sentiment_score":0.11460861483854907},{"text":"Are you happy for me to proceed with that?","start":98.095,"end":100.035,"sentiment":"neutral","sentiment_score":0.18559424413575065}],"sentiment":"neutral","sentiment_score":0.13187538953246297,"channel":0,"num_words":37,"start":92.2,"end":100.035},{"sentences":[{"text":"Yep.","start":100.545,"end":101.045,"sentiment":"neutral","sentiment_score":0.06587319076061249},{"text":"Yep.","start":101.105,"end":101.505,"sentiment":"neutral","sentiment_score":0.07628302276134491},{"text":"No","start":101.505,"end":101.745,"sentiment":"neutral","sentiment_score":0.1818368285894394}],"sentiment":"neutral","sentiment_score":0.10799768070379893,"channel":1,"num_words":3,"start":100.545,"end":101.745},{"sentences":[{"text":"Fantastic.","start":101.695,"end":102.195,"sentiment":"neutral","sentiment_score":0.21236249804496765}],"sentiment":"neutral","sentiment_score":0.21236249804496765,"channel":0,"num_words":1,"start":101.695,"end":102.195},{"sentences":[{"text":"worries.","start":101.745,"end":102.245,"sentiment":"neutral","sentiment_score":0.13208183646202087}],"sentiment":"neutral","sentiment_score":0.13208183646202087,"channel":1,"num_words":1,"start":101.745,"end":102.245},{"sentences":[{"text":"And just to do a quick security check there with you as well just to confirm your full name, your date of birth, and address I should have on file.","start":102.735,"end":108.995,"sentiment":"neutral","sentiment_score":0.08947398302455743}],"sentiment":"neutral","sentiment_score":0.08947398302455743,"channel":0,"num_words":30,"start":102.735,"end":108.995},{"sentences":[{"text":"Yes.","start":111.049995,"end":111.45,"sentiment":"neutral","sentiment_score":0.053042132407426834},{"text":"It's j Alcock,","start":111.45,"end":114.67,"sentiment":"neutral","sentiment_score":0.03833079462250074}],"sentiment":"neutral","sentiment_score":0.04200862906873226,"channel":1,"num_words":4,"start":111.049995,"end":114.67},{"sentences":[{"text":"Yep.","start":115.450005,"end":115.950005,"sentiment":"neutral","sentiment_score":0.035335443913936615}],"sentiment":"neutral","sentiment_score":0.035335443913936615,"channel":0,"num_words":1,"start":115.450005,"end":115.950005},{"sentences":[{"text":"02/13/0975.","start":116.409996,"end":119.549995,"sentiment":"neutral","sentiment_score":0.03377483785152435}],"sentiment":"neutral","sentiment_score":0.03377483785152435,"channel":1,"num_words":1,"start":116.409996,"end":119.549995},{"sentences":[{"text":"Yep.","start":120.01,"end":120.51,"sentiment":"neutral","sentiment_score":0.03612329065799713}],"sentiment":"neutral","sentiment_score":0.03612329065799713,"channel":0,"num_words":1,"start":120.01,"end":120.51},{"sentences":[{"text":"18 Story Street, North Wantaghy.","start":122.575005,"end":124.675,"sentiment":"neutral","sentiment_score":0.05377100110054016},{"text":"It's","start":125.535,"end":125.855,"sentiment":"neutral","sentiment_score":0.2257503718137741}],"sentiment":"neutral","sentiment_score":0.08243422955274582,"channel":1,"num_words":6,"start":122.575005,"end":125.855},{"sentences":[{"text":"Beautiful.","start":125.785,"end":126.285,"sentiment":"neutral","sentiment_score":0.32684141397476196}],"sentiment":"neutral","sentiment_score":0.32684141397476196,"channel":0,"num_words":1,"start":125.785,"end":126.285},{"sentences":[{"text":"my address..","start":125.855,"end":126.515,"sentiment":"neutral","sentiment_score":0.19612257182598114}],"sentiment":"neutral","sentiment_score":0.19612257182598114,"channel":1,"num_words":2,"start":125.855,"end":126.515},{"sentences":[{"text":"Excellent.","start":127.145004,"end":127.645004,"sentiment":"positive","sentiment_score":0.4459667205810547},{"text":"Thank you so much for that.","start":127.785,"end":129.405,"sentiment":"positive","sentiment_score":0.5240943282842636},{"text":"Now when you've opened that email there, the button that does say click to sign or to sign, if you click that button, it'll allow you to go through so you can review the documents.","start":130.185,"end":139.0,"sentiment":"neutral","sentiment_score":0.18338737402643476},{"text":"It'll never ask you to sign anything you haven't read through.","start":139.0,"end":141.56,"sentiment":"neutral","sentiment_score":0.16283976218917154},{"text":"It's just you can view each of the documents there.","start":141.56,"end":144.14,"sentiment":"neutral","sentiment_score":0.1428947813808918}],"sentiment":"neutral","sentiment_score":0.2099885076047882,"channel":0,"num_words":63,"start":127.145004,"end":144.14},{"sentences":[{"text":"Okay.","start":145.07,"end":145.57,"sentiment":"neutral","sentiment_score":0.09671883285045624}],"sentiment":"neutral","sentiment_score":0.09671883285045624,"channel":1,"num_words":1,"start":145.07,"end":145.57},{"sentences":[{"text":"And then let me know when you can see the first one, which should say statement of advice with your name on the front of it.","start":149.175,"end":154.55501,"sentiment":"neutral","sentiment_score":0.07222071046439502}],"sentiment":"neutral","sentiment_score":0.07222071046439502,"channel":0,"num_words":26,"start":149.175,"end":154.55501},{"sentences":[{"text":"Yes.","start":163.115,"end":163.56,"sentiment":"neutral","sentiment_score":0.1957966387271881},{"text":"I'm looking at that now.","start":163.72,"end":165.16,"sentiment":"neutral","sentiment_score":0.165538427233696},{"text":"Yeah.","start":165.16,"end":165.66,"sentiment":"positive","sentiment_score":0.391421914100647}],"sentiment":"neutral","sentiment_score":0.202130098428045,"channel":1,"num_words":7,"start":163.115,"end":165.66},{"sentences":[{"text":"Perfect.","start":166.07,"end":166.57,"sentiment":"positive","sentiment_score":0.7291863560676575},{"text":"Excellent.","start":166.87001,"end":167.37001,"sentiment":"positive","sentiment_score":0.6697200536727905},{"text":"So you'll see on the front there has never heard for yourself, Jay Alcock, as of the 10/07/2026.","start":167.99,"end":173.935,"sentiment":"neutral","sentiment_score":0.1240646650807725},{"text":"So it's got today's date on it.","start":173.935,"end":175.375,"sentiment":"neutral","sentiment_score":0.10179733804294042},{"text":"All of our advice is valid for sixty days from the date on the 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1304394.","start":180.015,"end":187.81999,"sentiment":"neutral","sentiment_score":0.08753747414601476},{"text":"Okay?","start":187.81999,"end":188.31999,"sentiment":"neutral","sentiment_score":0.039257679134607315}],"sentiment":"neutral","sentiment_score":0.0851234843954444,"channel":0,"num_words":20,"start":180.015,"end":188.31999},{"sentences":[{"text":"Okay.","start":188.895,"end":189.395,"sentiment":"neutral","sentiment_score":0.04437577351927757}],"sentiment":"neutral","sentiment_score":0.04437577351927757,"channel":1,"num_words":1,"start":188.895,"end":189.395},{"sentences":[{"text":"We'll skip through a couple of pages here and there.","start":189.73999,"end":191.9,"sentiment":"neutral","sentiment_score":0.0492306899279356},{"text":"I'll direct you to the pages that I need to go through in order to provide the advice and give you the information, and then I'll let you go back and take some time to read it over as a whole 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interest.","start":204.255,"end":210.675,"sentiment":"neutral","sentiment_score":0.2214142631354003},{"text":"We note as we are going through the recommendations that is a best interest duty statement, which basically relates the recommendations back to your goals and sort of outlines why the recommendations made out within your best interest there for you.","start":210.975,"end":223.76999,"sentiment":"neutral","sentiment_score":0.13083698700477436},{"text":"Okay?","start":223.83,"end":224.33,"sentiment":"neutral","sentiment_score":0.039661530405282974}],"sentiment":"neutral","sentiment_score":0.171977694456776,"channel":0,"num_words":72,"start":203.455,"end":224.33},{"sentences":[{"text":"Okay.","start":225.04,"end":225.54,"sentiment":"neutral","sentiment_score":0.014838246628642082}],"sentiment":"neutral","sentiment_score":0.014838246628642082,"channel":1,"num_words":1,"start":225.04,"end":225.54},{"sentences":[{"text":"The next page has the scoping of the advice to areas that we are and are not looking at with regards to the advice piece today.","start":226.15,"end":232.36499,"sentiment":"neutral","sentiment_score":-0.05995272773389633},{"text":"So we've scoped in areas of superannuation.","start":232.36499,"end":234.385,"sentiment":"neutral","sentiment_score":0.020249781464891776},{"text":"You are a high growth investor.","start":235.565,"end":237.005,"sentiment":"neutral","sentiment_score":0.16753844420115152},{"text":"You are happy to remain as a high growth investor wanting to see a bit more growth out of your super, but we had sort of noted there was some underperforming investments within your super there.","start":237.005,"end":245.965,"sentiment":"neutral","sentiment_score":0.09248542764948474},{"text":"So in order for you to be able to look at having a goal of retiring at about age 65, we're looking at reducing fees and costs within your portfolio, but also looking at updating your portfolio to maximize growth where possible.","start":245.965,"end":259.69998,"sentiment":"neutral","sentiment_score":0.152146413035336}],"sentiment":"neutral","sentiment_score":0.07955412783970435,"channel":0,"num_words":117,"start":226.15,"end":259.69998},{"sentences":[{"text":"Okay?","start":260.0,"end":260.5,"sentiment":"neutral","sentiment_score":0.0882500559091568}],"sentiment":"neutral","sentiment_score":0.0882500559091568,"channel":0,"num_words":1,"start":260.0,"end":260.5},{"sentences":[{"text":"Okay.","start":261.23,"end":261.73,"sentiment":"neutral","sentiment_score":0.20856724679470065}],"sentiment":"neutral","sentiment_score":0.20856724679470065,"channel":1,"num_words":1,"start":261.23,"end":261.73},{"sentences":[{"text":"Excellent.","start":262.385,"end":262.885,"sentiment":"positive","sentiment_score":0.40991097688674927},{"text":"Underneath that, we've got estate planning.","start":263.185,"end":264.865,"sentiment":"neutral","sentiment_score":0.20640824735164642},{"text":"So you basically noted that you wanted your super and life insurance proceeds to be paid out to your two sons at at at a percentage of 50% each to Dylan and Toby.","start":264.865,"end":274.805,"sentiment":"neutral","sentiment_score":0.26932044327259064},{"text":"With your super, that has been applied and is completely fine.","start":275.03,"end":277.99002,"sentiment":"positive","sentiment_score":0.39286112649874255},{"text":"However, I have scoped this in just to a limited scope just to factor in your life insurance because noting back to our last conversation, you don't have a will in place.","start":277.99002,"end":287.29,"sentiment":"neutral","sentiment_score":-0.07090414210688323}],"sentiment":"neutral","sentiment_score":0.15166837268744607,"channel":0,"num_words":83,"start":262.385,"end":287.29},{"sentences":[{"text":"And with the beneficiary on your life insurance policy, you actually have it noted legal personal representative.","start":287.515,"end":292.89502,"sentiment":"neutral","sentiment_score":0.005292520693996374},{"text":"That basically means that if you were to pass away, your super benefit is paid to your estate, which is absolutely fine, but you need to have a will in place for that to then be paid as per your will.","start":293.83502,"end":304.66,"sentiment":"neutral","sentiment_score":-0.003317568451166153},{"text":"The way it is currently set up, if you pass away today, your life proceeds are paid through to your estate, and then it goes through probate, which is a legal process of trying to distribute funds.","start":305.12,"end":315.12,"sentiment":"neutral","sentiment_score":-0.052539738247523435},{"text":"There's no guarantee that it would end up where you wanted to be.","start":315.12,"end":318.625,"sentiment":"neutral","sentiment_score":-0.20100043140924895},{"text":"So the recommendation","start":318.625,"end":319.445,"sentiment":"neutral","sentiment_score":0.04990731800595919}],"sentiment":"neutral","sentiment_score":-0.04011983265009549,"channel":0,"num_words":111,"start":287.515,"end":319.445},{"sentences":[{"text":"Fine.","start":319.1,"end":319.6,"sentiment":"neutral","sentiment_score":0.2648006081581116}],"sentiment":"neutral","sentiment_score":0.2648006081581116,"channel":1,"num_words":1,"start":319.1,"end":319.6},{"sentences":[{"text":"I'm making here is that we update your beneficiary on your life insurance to nominate 50% each to Toby and Dylan as we have on your super.","start":319.745,"end":329.60498,"sentiment":"neutral","sentiment_score":0.24235009760768325},{"text":"That way, everything is directed to them as per your wishes.","start":329.905,"end":333.54,"sentiment":"neutral","sentiment_score":0.32836680656129663},{"text":"Does that make sense?","start":333.62,"end":335.0,"sentiment":"neutral","sentiment_score":0.19307764247059822}],"sentiment":"neutral","sentiment_score":0.26018566851105007,"channel":0,"num_words":42,"start":319.745,"end":335.0},{"sentences":[{"text":"Entellus.","start":335.47,"end":335.97,"sentiment":"neutral","sentiment_score":0.15884652733802795},{"text":"Yeah.","start":336.19,"end":336.69,"sentiment":"neutral","sentiment_score":0.1670060157775879}],"sentiment":"neutral","sentiment_score":0.16292627155780792,"channel":1,"num_words":2,"start":335.47,"end":336.69},{"sentences":[{"text":"Yeah.","start":336.82,"end":337.30002,"sentiment":"neutral","sentiment_score":0.30137190222740173},{"text":"Excellent.","start":337.30002,"end":337.80002,"sentiment":"positive","sentiment_score":0.6211299896240234},{"text":"Excellent.","start":338.02002,"end":338.52002,"sentiment":"positive","sentiment_score":0.5688705444335938},{"text":"And then the next page notes here that limited scope.","start":339.86002,"end":342.98,"sentiment":"neutral","sentiment_score":0.06672606207430362},{"text":"So we're not making any changes or recommendations around your insurances at the moment.","start":342.98,"end":347.535,"sentiment":"neutral","sentiment_score":-0.17841039119022234}],"sentiment":"neutral","sentiment_score":-0.01255971924574287,"channel":0,"num_words":27,"start":336.82,"end":347.535},{"sentences":[{"text":"You've got life and TBD through a sender there.","start":347.535,"end":350.27502,"sentiment":"neutral","sentiment_score":-0.08520225518279606},{"text":"I know my team has sent through the forms to be able to have the loadings reviewed, and we'll still look to do that for you.","start":350.49503,"end":356.355,"sentiment":"neutral","sentiment_score":0.008394826919986652},{"text":"But we're not altering or changing the actual insurance product at the moment.","start":356.73502,"end":360.73502,"sentiment":"neutral","sentiment_score":-0.22615938461743867},{"text":"It is staying as it is.","start":360.73502,"end":362.31,"sentiment":"neutral","sentiment_score":-0.0841834203650554},{"text":"Therefore, I've scoped into a limited scope.","start":362.55,"end":364.55,"sentiment":"neutral","sentiment_score":-0.02547097738300051}],"sentiment":"neutral","sentiment_score":-0.06839383869874673,"channel":0,"num_words":61,"start":347.535,"end":364.55},{"sentences":[{"text":"That essentially means that we're not making any changes to the insurances as it is.","start":364.55,"end":368.63,"sentiment":"neutral","sentiment_score":-0.07630531657487154},{"text":"However, we are looking to make sure we understand and scope it in and account for the insurance premiums because they are paid out of your super, and that has an effect on your retirement.","start":368.63,"end":380.255,"sentiment":"neutral","sentiment_score":0.03643955173236983},{"text":"So we keep that scoped into a limited scope so that we can take account of the insurance premiums into the projection table for you.","start":380.39502,"end":388.315,"sentiment":"neutral","sentiment_score":0.1705747726559639},{"text":"Okay?","start":388.315,"end":388.815,"sentiment":"neutral","sentiment_score":0.0584714412689209}],"sentiment":"neutral","sentiment_score":0.05860059631155118,"channel":0,"num_words":76,"start":364.55,"end":388.815},{"sentences":[{"text":"Okay.","start":389.545,"end":390.045,"sentiment":"neutral","sentiment_score":0.15974153578281405}],"sentiment":"neutral","sentiment_score":0.15974153578281405,"channel":1,"num_words":1,"start":389.545,"end":390.045},{"sentences":[{"text":"Excellent.","start":390.635,"end":391.135,"sentiment":"positive","sentiment_score":0.40027284622192383},{"text":"And the next page notes this scoping out, and this is very...","start":391.97998,"end":395.09998,"sentiment":"neutral","sentiment_score":0.01899263107528289},{"text":"Areas that we are not considering.","start":395.09998,"end":396.56,"sentiment":"neutral","sentiment_score":-0.16830179591973624},{"text":"So you are a bit younger than 60...","start":396.69998,"end":398.47998,"sentiment":"neutral","sentiment_score":-0.12599710654467344},{"text":"Than closer to 65 at the moment.","start":398.62,"end":400.3,"sentiment":"neutral","sentiment_score":-0.09560658250536237}],"sentiment":"neutral","sentiment_score":-0.06055439077317715,"channel":0,"num_words":34,"start":390.635,"end":400.3},{"sentences":[{"text":"You've got a bit of time ahead of you to build your super up, so we're not focusing on the retirement aspect at this time.","start":400.3,"end":406.38,"sentiment":"neutral","sentiment_score":-0.08794629126787186},{"text":"It's not really appropriate to do so until you do get closer to the retirement age.","start":406.38,"end":410.565,"sentiment":"neutral","sentiment_score":-0.33060869108885527},{"text":"So I'm scoping that out for the time being.","start":410.70502,"end":412.965,"sentiment":"neutral","sentiment_score":0.05313346121046278},{"text":"As you get closer, we'll look at a more detailed aspect around that and look at what that looks like for you.","start":413.025,"end":418.245,"sentiment":"neutral","sentiment_score":0.1967391795055433},{"text":"Right now, we're building and accumulating wealth towards your retirement goals.","start":418.385,"end":422.33,"sentiment":"positive","sentiment_score":0.3971144976941022}],"sentiment":"neutral","sentiment_score":0.02031718356063567,"channel":0,"num_words":83,"start":400.3,"end":422.33},{"sentences":[{"text":"Okay?","start":422.47,"end":422.97,"sentiment":"neutral","sentiment_score":0.15738171339035034}],"sentiment":"neutral","sentiment_score":0.15738171339035034,"channel":0,"num_words":1,"start":422.47,"end":422.97},{"sentences":[{"text":"Okay.","start":423.21,"end":423.71,"sentiment":"neutral","sentiment_score":0.3142803907394409},{"text":"Great.","start":423.93,"end":424.43,"sentiment":"positive","sentiment_score":0.6746707558631897}],"sentiment":"positive","sentiment_score":0.4944755733013153,"channel":1,"num_words":2,"start":423.21,"end":424.43},{"sentences":[{"text":"Excellent.","start":424.15,"end":424.65,"sentiment":"positive","sentiment_score":0.5891512632369995},{"text":"The next page, page number eight, has limiting advice.","start":425.83,"end":428.47,"sentiment":"neutral","sentiment_score":0.0041971831685966915},{"text":"This is letting you know that we are not lawyers, so we do refer you through to the services of a solicitor for drafting of wills and handling of those sorts of legal issues there.","start":428.47,"end":438.64502,"sentiment":"neutral","sentiment_score":0.020490541521992003},{"text":"I am a relevant tax provider, so I can provide financial advice around tax and tax related issues under the legislation and the and the act.","start":438.64502,"end":446.825,"sentiment":"neutral","sentiment_score":0.04963567100751858},{"text":"And it also notes that we do provide advice around gen...","start":447.285,"end":450.185,"sentiment":"neutral","sentiment_score":0.009777025742964312}],"sentiment":"neutral","sentiment_score":0.03344109261453879,"channel":0,"num_words":82,"start":424.15,"end":450.185},{"sentences":[{"text":"Around personal insurance products, so things like life, TPD, income protection, trauma, certain types of business cover as well.","start":450.325,"end":457.81998,"sentiment":"neutral","sentiment_score":-0.024223333748523146},{"text":"However, we don't do general insurance products.","start":457.81998,"end":460.46,"sentiment":"neutral","sentiment_score":-0.11856467596122197},{"text":"These are things like home, motor, some business types of insurances as well.","start":460.46,"end":465.68,"sentiment":"neutral","sentiment_score":-0.08793931196515377},{"text":"However, we can refer you through to an insurance broker if you did require those general insurance products at any point in time.","start":465.865,"end":472.425,"sentiment":"neutral","sentiment_score":0.0012893892176773238},{"text":"Okay?","start":472.425,"end":472.925,"sentiment":"neutral","sentiment_score":0.024501606822013855}],"sentiment":"neutral","sentiment_score":-0.03776586618522064,"channel":0,"num_words":63,"start":450.325,"end":472.925},{"sentences":[{"text":"Okay.","start":473.505,"end":474.005,"sentiment":"neutral","sentiment_score":0.15269777178764343}],"sentiment":"neutral","sentiment_score":0.15269777178764343,"channel":1,"num_words":1,"start":473.505,"end":474.005},{"sentences":[{"text":"Excellent.","start":474.82498,"end":475.32498,"sentiment":"positive","sentiment_score":0.3920767307281494},{"text":"The next page is the about you section.","start":475.865,"end":478.125,"sentiment":"neutral","sentiment_score":0.1266339747235179},{"text":"The one thing I will note here is that we have got a down income of zero for the time being.","start":478.79,"end":483.99,"sentiment":"neutral","sentiment_score":0.07022932774963833},{"text":"That is because as per our last conversation, you are still technically working, but you're taking shifts sporadically as per, you know, what you wanted to do.","start":483.99,"end":491.83,"sentiment":"neutral","sentiment_score":0.03752873639610631},{"text":"So we weren't able to put an exact dollar figure on how much you were earning.","start":491.83,"end":495.685,"sentiment":"neutral","sentiment_score":-0.04360258509404957}],"sentiment":"neutral","sentiment_score":0.043775327841764036,"channel":0,"num_words":73,"start":474.82498,"end":495.685},{"sentences":[{"text":"So I've left that as zero there, but it's just because we weren't able to put a set dollar figure down.","start":495.82498,"end":501.04498,"sentiment":"neutral","sentiment_score":-0.07861722473587308},{"text":"And I've not factored in contributions into the advice because we can't...","start":501.345,"end":504.865,"sentiment":"neutral","sentiment_score":-0.18739745703836283},{"text":"We don't have a regular contribution going to be able to factor in to give you an updated projection with contributions there.","start":504.865,"end":511.97,"sentiment":"neutral","sentiment_score":-0.24520656060088764},{"text":"Okay?","start":511.97,"end":512.47,"sentiment":"neutral","sentiment_score":-0.00026992708444595337}],"sentiment":"neutral","sentiment_score":-0.16597402614674397,"channel":0,"num_words":56,"start":495.82498,"end":512.47},{"sentences":[{"text":"Okay.","start":513.07,"end":513.57,"sentiment":"neutral","sentiment_score":0.09643769264221191}],"sentiment":"neutral","sentiment_score":0.09643769264221191,"channel":1,"num_words":1,"start":513.07,"end":513.57},{"sentences":[{"text":"Excellent.","start":514.37,"end":514.87,"sentiment":"neutral","sentiment_score":-0.017565488815307617},{"text":"The next page has your assets and liabilities noted down as per our last conversation, and the one after that, don't your current insurance policy with a sender there.","start":515.57,"end":524.125,"sentiment":"neutral","sentiment_score":-0.0868500864197468},{"text":"So your life and TPD, how would the current premium prior to us being able to have that reviewed...","start":524.125,"end":529.105,"sentiment":"neutral","sentiment_score":-0.09915034247464255},{"text":"The loading reviewed for you?","start":529.165,"end":530.865,"sentiment":"neutral","sentiment_score":-0.0594435915350914},{"text":"Okay.","start":530.925,"end":531.425,"sentiment":"neutral","sentiment_score":0.02151048555970192}],"sentiment":"neutral","sentiment_score":-0.08537785407494415,"channel":0,"num_words":55,"start":514.37,"end":531.425},{"sentences":[{"text":"Okay.","start":531.84503,"end":532.34503,"sentiment":"neutral","sentiment_score":-0.12440589815378188}],"sentiment":"neutral","sentiment_score":-0.12440589815378188,"channel":1,"num_words":1,"start":531.84503,"end":532.34503}]},"summary":{"result":"success","short":"The Oakey Financial representative confirms a call with Diana, who has a scheduled appointment, and sends her an updated statement of advice via email. They discuss the process for reviewing and reviewing documents, including updating Diana's personal information and reducing fees and costs within her portfolio. The agent emphasizes reducing fees and costs within the portfolio to maximize growth and explains the process for updating Diana's life insurance to nominate beneficiaries and reduce fees and costs within her portfolio. The agent also notes that Diana's life insurance policy with a sender is zero and that she is still taking shifts sporadically. The agent notes that the customer's current insurance policy with a sender is zero and that they are still taking shifts sporadically."},"intents":{"segments":[{"text":"I've just sent it through to you. It'll come through from OdooSign, and I believe it comes from Dana Taylor as well. K.","start_word":105,"end_word":127,"intents":[{"intent":"Confirm odoosign","confidence_score":0.00014554079}]},{"text":"And just to do a quick security check there with you as well just to confirm your full name, your date of birth, and address I should have on file. Yes.","start_word":212,"end_word":242,"intents":[{"intent":"Request security check","confidence_score":0.004509491},{"intent":"Confirm security check","confidence_score":0.1524791}]},{"text":"18 Story Street, North Wantaghy. It's Beautiful. my address..","start_word":249,"end_word":257,"intents":[{"intent":"Confirm address","confidence_score":0.07700271}]},{"text":"Thank you so much for that. Now when you've opened that email there, the button that does say click to sign or to sign, if you click that button, it'll allow you to go through so you can review the documents. It'll never ask you to sign anything you haven't read through. It's just you can view each of the documents there.","start_word":259,"end_word":320,"intents":[{"intent":"Access documents","confidence_score":0.02157747}]},{"text":"And then let me know when you can see the first one, which should say statement of advice with your name on the front of it.","start_word":322,"end_word":347,"intents":[{"intent":"Book statement of advice","confidence_score":0.034846187}]},{"text":"I'll direct you to the pages that I need to go through in order to provide the advice and give you the information, and then I'll let you go back and take some time to read it over as a whole document. Okay?","start_word":432,"end_word":474,"intents":[{"intent":"Provide advice and recommendations","confidence_score":0.017804967}]},{"text":"You are a high growth investor. You are happy to remain as a high growth investor wanting to see a bit more growth out of your super, but we had sort of noted there was some underperforming investments within your super there. So in order for you to be able to look at having a goal of retiring at about age 65, we're looking at reducing fees and costs within your portfolio, but also looking at updating your portfolio to maximize growth where possible. Okay?","start_word":583,"end_word":667,"intents":[{"intent":"Maximize growth","confidence_score":0.8233691}]},{"text":"So in order for you to be able to look at having a goal of retiring at about age 65, we're looking at reducing fees and costs within your portfolio, but also looking at updating your portfolio to maximize growth where possible. Okay?","start_word":625,"end_word":667,"intents":[{"intent":"Reduce fees and costs","confidence_score":0.38375854}]},{"text":"Underneath that, we've got estate planning. So you basically noted that you wanted your super and life insurance proceeds to be paid out to your two sons at at at a percentage of 50% each to Dylan and Toby. With your super, that has been applied and is completely fine.","start_word":670,"end_word":719,"intents":[{"intent":"Implement estate planning","confidence_score":0.005916644}]},{"text":"However, I have scoped this in just to a limited scope just to factor in your life insurance because noting back to our last conversation, you don't have a will in place.","start_word":721,"end_word":752,"intents":[{"intent":"Streamline insurance plan","confidence_score":0.000110372195}]},{"text":"The next page, page number eight, has limiting advice. This is letting you know that we are not lawyers, so we do refer you through to the services of a solicitor for drafting of wills and handling of those sorts of legal issues there. I am a relevant tax provider, so I can provide financial advice around tax and tax related issues under the legislation and the and the act.","start_word":1194,"end_word":1263,"intents":[{"intent":"Discuss retirement goals/references to solicitors for tax and tax advice","confidence_score":1.5879572e-9}]},{"text":"The one thing I will note here is that we have got a down income of zero for the time being.","start_word":1348,"end_word":1368,"intents":[{"intent":"Explain down income","confidence_score":0.013076316}]},{"text":"And I've not factored in contributions into the advice because we can't... We don't have a regular contribution going to be able to factor in to give you an updated projection with contributions there. Okay? Okay. Excellent.","start_word":1433,"end_word":1469,"intents":[{"intent":"Clarify contribution factor","confidence_score":0.008003238}]}]},"sentiments":{"segments":[{"text":"Hello. Jay speaking. Hi, Jay. It's Dana from Oakey Financial. How are you this morning?","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.1423308104276657},{"text":"Doing good, Diana. Good.","start_word":15,"end_word":18,"sentiment":"positive","sentiment_score":0.5608958601951599},{"text":"How are you? A bit early for you there maybe. That's okay. Not a problem at all.","start_word":19,"end_word":35,"sentiment":"neutral","sentiment_score":0.1851087212562561},{"text":"It is still 07:30 here, but it's honestly all good.","start_word":36,"end_word":45,"sentiment":"positive","sentiment_score":0.41369158029556274},{"text":"I had you booked in to go through your updated statement of advice. Is now still a good time there for you? Yes. It is. Yeah.","start_word":46,"end_word":71,"sentiment":"neutral","sentiment_score":0.2134428173303604},{"text":"Thanks, Dana.","start_word":72,"end_word":73,"sentiment":"positive","sentiment_score":0.36778098344802856},{"text":"Yeah. That's okay. Not a problem at all. I'm gonna send that one to you via email. Are you able to jump into your emails there currently? Yes. I am.","start_word":74,"end_word":103,"sentiment":"neutral","sentiment_score":0.144712433218956},{"text":"Fantastic. I've just sent it through to you.","start_word":104,"end_word":111,"sentiment":"positive","sentiment_score":0.5022047758102417},{"text":"It'll come through from OdooSign, and I believe it comes from Dana Taylor as well. K. It's just come through now.","start_word":112,"end_word":132,"sentiment":"neutral","sentiment_score":0.2595290243625641},{"text":"Beautiful.","start_word":133,"end_word":133,"sentiment":"positive","sentiment_score":0.5187243223190308},{"text":"How's your morning been so far? Yeah. Good. Yeah. Just slow and steady working through things.","start_word":134,"end_word":149,"sentiment":"neutral","sentiment_score":0.2231859564781189},{"text":"Nice. Nice.","start_word":150,"end_word":151,"sentiment":"positive","sentiment_score":0.46336784958839417},{"text":"Date. Now you've got the email there. When you open it up, I'll I'll talk you through it. Before we jump into the call and go through things, I do have to let you know moving forward, our calls are recorded for training and quality purposes. Are you happy for me to proceed with that? Yep. Yep. No Fantastic. worries. And just to do a quick security check there with you as well just to confirm your full name, your date of birth, and address I should have on file. Yes. It's j Alcock, Yep. 02/13/0975. Yep. 18 Story Street, North Wantaghy. It's Beautiful. my address..","start_word":152,"end_word":257,"sentiment":"neutral","sentiment_score":0.11529641598463058},{"text":"Excellent. Thank you so much for that.","start_word":258,"end_word":264,"sentiment":"positive","sentiment_score":0.5008178949356079},{"text":"Now when you've opened that email there, the button that does say click to sign or to sign, if you click that button, it'll allow you to go through so you can review the documents. It'll never ask you to sign anything you haven't read through. It's just you can view each of the documents there. Okay. And then let me know when you can see the first one, which should say statement of advice with your name on the front of it. Yes. I'm looking at that now.","start_word":265,"end_word":353,"sentiment":"neutral","sentiment_score":0.14404948072487048},{"text":"Yeah. Perfect. Excellent.","start_word":354,"end_word":356,"sentiment":"positive","sentiment_score":0.5967761278152466},{"text":"So you'll see on the front there has never heard for yourself, Jay Alcock, as of the 10/07/2026. So it's got today's date on it. All of our advice is valid for sixty days from the date on the document. On the bottom, they're Yep. prepared for yourself by myself here, Dana Taylor, and my authorized representative number registered with ASIC is 1304394. Okay? Okay. We'll skip through a couple of pages here and there. I'll direct you to the pages that I need to go through in order to provide the advice and give you the information, and then I'll let you go back and take some time to read it over as a whole document. Okay? Okay.","start_word":357,"end_word":475,"sentiment":"neutral","sentiment_score":0.09769396483898164},{"text":"Great. Excellent.","start_word":476,"end_word":477,"sentiment":"positive","sentiment_score":0.5774941444396973},{"text":"The next page as we are going through notes of best interest duty, just letting you know that any advice that we do provide is in your best interest. We note as we are going through the recommendations that is a best interest duty statement, which basically relates the recommendations back to your goals and sort of outlines why the recommendations made out within your best interest there for you. Okay? Okay. The next page has the scoping of the advice to areas that we are and are not looking at with regards to the advice piece today. So we've scoped in areas of superannuation. You are a high growth investor. You are happy to remain as a high growth investor wanting to see a bit more growth out of your super, but we had sort of noted there was some underperforming investments within your super there. So in order for you to be able to look at having a goal of retiring at about age 65, we're looking at reducing fees and costs within your portfolio, but also looking at updating your portfolio to maximize growth where possible. Okay? Okay.","start_word":478,"end_word":668,"sentiment":"neutral","sentiment_score":0.10901162773370744},{"text":"Excellent.","start_word":669,"end_word":669,"sentiment":"positive","sentiment_score":0.40991097688674927},{"text":"Underneath that, we've got estate planning. So you basically noted that you wanted your super and life insurance proceeds to be paid out to your two sons at at at a percentage of 50% each to Dylan and Toby.","start_word":670,"end_word":708,"sentiment":"neutral","sentiment_score":0.24831050634384155},{"text":"With your super, that has been applied and is completely fine.","start_word":709,"end_word":719,"sentiment":"positive","sentiment_score":0.42833563685417175},{"text":"However, I have scoped this in just to a limited scope just to factor in your life insurance because noting back to our last conversation, you don't have a will in place. And with the beneficiary on your life insurance policy, you actually have it noted legal personal representative. That basically means that if you were to pass away, your super benefit is paid to your estate, which is absolutely fine, but you need to have a will in place for that to then be paid as per your will. The way it is currently set up, if you pass away today, your life proceeds are paid through to your estate, and then it goes through probate, which is a legal process of trying to distribute funds. There's no guarantee that it would end up where you wanted to be. So the recommendation Fine. I'm making here is that we update your beneficiary on your life insurance to nominate 50% each to Toby and Dylan as we have on your super. That way, everything is directed to them as per your wishes. Does that make sense? Entellus. Yeah. Yeah.","start_word":720,"end_word":908,"sentiment":"neutral","sentiment_score":0.027933014556765556},{"text":"Excellent. Excellent.","start_word":909,"end_word":910,"sentiment":"positive","sentiment_score":0.5950002670288086},{"text":"And then the next page notes here that limited scope. So we're not making any changes or recommendations around your insurances at the moment. You've got life and TBD through a sender there. I know my team has sent through the forms to be able to have the loadings reviewed, and we'll still look to do that for you. But we're not altering or changing the actual insurance product at the moment. It is staying as it is. Therefore, I've scoped into a limited scope. That essentially means that we're not making any changes to the insurances as it is. However, we are looking to make sure we understand and scope it in and account for the insurance premiums because they are paid out of your super, and that has an effect on your retirement. So we keep that scoped into a limited scope so that we can take account of the insurance premiums into the projection table for you. Okay? Okay.","start_word":911,"end_word":1072,"sentiment":"neutral","sentiment_score":-0.012544211000204086},{"text":"Excellent.","start_word":1073,"end_word":1073,"sentiment":"positive","sentiment_score":0.40027284622192383},{"text":"And the next page notes this scoping out, and this is very... Areas that we are not considering. So you are a bit younger than 60... Than closer to 65 at the moment. You've got a bit of time ahead of you to build your super up, so we're not focusing on the retirement aspect at this time.","start_word":1074,"end_word":1131,"sentiment":"neutral","sentiment_score":-0.08387380363098507},{"text":"It's not really appropriate to do so until you do get closer to the retirement age.","start_word":1132,"end_word":1147,"sentiment":"negative","sentiment_score":-0.33455100655555725},{"text":"So I'm scoping that out for the time being. As you get closer, we'll look at a more detailed aspect around that and look at what that looks like for you.","start_word":1148,"end_word":1178,"sentiment":"neutral","sentiment_score":0.14560219645500183},{"text":"Right now, we're building and accumulating wealth towards your retirement goals.","start_word":1179,"end_word":1189,"sentiment":"positive","sentiment_score":0.3844105303287506},{"text":"Okay? Okay.","start_word":1190,"end_word":1191,"sentiment":"neutral","sentiment_score":0.23583105206489563},{"text":"Great. Excellent.","start_word":1192,"end_word":1193,"sentiment":"positive","sentiment_score":0.631911039352417},{"text":"The next page, page number eight, has limiting advice. This is letting you know that we are not lawyers, so we do refer you through to the services of a solicitor for drafting of wills and handling of those sorts of legal issues there. I am a relevant tax provider, so I can provide financial advice around tax and tax related issues under the legislation and the and the act. And it also notes that we do provide advice around gen... Around personal insurance products, so things like life, TPD, income protection, trauma, certain types of business cover as well. However, we don't do general insurance products. These are things like home, motor, some business types of insurances as well. However, we can refer you through to an insurance broker if you did require those general insurance products at any point in time. Okay? Okay.","start_word":1194,"end_word":1338,"sentiment":"neutral","sentiment_score":-0.003915090579539537},{"text":"Excellent.","start_word":1339,"end_word":1339,"sentiment":"positive","sentiment_score":0.3920767307281494},{"text":"The next page is the about you section. The one thing I will note here is that we have got a down income of zero for the time being. That is because as per our last conversation, you are still technically working, but you're taking shifts sporadically as per, you know, what you wanted to do. So we weren't able to put an exact dollar figure on how much you were earning. So I've left that as zero there, but it's just because we weren't able to put a set dollar figure down. And I've not factored in contributions into the advice because we can't... We don't have a regular contribution going to be able to factor in to give you an updated projection with contributions there. Okay? Okay.","start_word":1340,"end_word":1468,"sentiment":"neutral","sentiment_score":-0.054413773119449615},{"text":"Excellent.","start_word":1469,"end_word":1469,"sentiment":"positive","sentiment_score":0.3771244883537293},{"text":"The next page has your assets and liabilities noted down as per our last conversation, and the one after that, don't your current insurance policy with a sender there. So your life and TPD, how would the current premium prior to us being able to have that reviewed... The loading reviewed for you? Okay. Okay.","start_word":1470,"end_word":1524,"sentiment":"neutral","sentiment_score":-0.08273375779390335}],"average":{"sentiment":"neutral","sentiment_score":0.07892018041272332}}}}