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No. I love. Alright. Well, before I jump into it, I do need to let you know that our calls are recorded. And if I could get you some security for me, it's full name, date of birth, and address. What was that address? Sorry? Perfect. Nope. We just just cut out, and I just had no idea. Perfect. Alright. Sorry. As I was explaining this morning, the whole point of the call today is to go through and have the recommendation Veronica was making. So Veronica's put the whole plan together. It's just, obviously, she's sick and we didn't wanna wanna delay anything. So I've taken the call to be able to get that through to you. Now with respect to what we're wanting to do, is we go ahead and get the update to the investment. So the the whole scope of the advice is really limited to your superannuation and where the investment currently fits. Now Oh, I'm so sorry. Is that a bit better? That's okay. Just having an Perfect. No. That's okay. So yeah. So as I was saying, the the the point of the the point of the advice is to go through and do a bit of an update to your superannuation investments. Veronica put everything together. She's just ill today, and I've taken over some of her bookings. Now the goals that you had put together was that you were really wanting to, like, grow your superannuation as much as possible and just sort of aim towards, I guess, a bit of a better investment outcome with where the investment fits. So this the scope of the advice does very much does very much revolve around your superannuation investments. Now when when Veronica was putting the plan together, you were off work with with a time frame of, like, eight to twelve weeks off work. Mhmm. And I I know that we're looking at going and doing an income protection claim as well. Can I ask how is how is everything going on that front? Yep. Perfect. Perfect. I I can I can see on on file that that Caden got the the documents all in, and I assume that from a claims perspective, because I'm actually I deal with majority of the claims? I probably have an email sitting in my inbox waiting for me to just check them over as well. Yep. Good. And what's what's the time frame what's the time frame that you are looking at having off? Okay. So still eight to twelve weeks. Yeah. With your job, you you could either do nothing or or all of it. Yeah. No. That's that's that's okay. Alright. Well, yeah, the the claim the claim will get submitted today because, yeah, Caden got all received all the documents yesterday. And I lied. He submitted them to he submitted them to one part yesterday. I apologize. I have the email confirmation that was submitted. I generally have a look over the documents myself, so I'll probably have a look over them after we get off the phone just to make sure that there wasn't anything missing or anything that would delay the claim. It's generally sort of a check that I do just to just to make sure that everything runs smoothly rather than it going to the insurer coming back and being, you know, back and forwards. So I'll have a look over that. If there is anything, I'll send you an email. But if Cadence haven't had a look over it, we're probably pretty good. So, anyway, the advice the advice does, I guess, center a lot around our our our superannuation and the investment. So your risk profile is a is of a high growth investor. So that's someone who would basically be happy to take on a bit of fluctuation in the market, someone that is you know, has a decent long term time frame before retirement, which you do. You're sitting in your mid thirties. So we've got plenty of time to be able to weather any of those cyclical investment storms that we do go through. So the main changes to the investment strategy are to basically decrease some of the higher cost assets. So, like, your rental long asset that it it is a bit of a higher cost portfolio structure and and remove some of those, I guess, assets that aren't quite pulling their weight in the volatile market and swap them in for assets that that cost a little bit less and have that that better volatility cushion to them, still keeping to, obviously, a a variance that's gonna allow you to, you know, be invested in the market and have a good return, but just sort of remove some of that uncertainty where the market is, you know, where it's currently sitting and has has that better sort of historical performance outcome. So, overall, you we're gonna we're going to be decreasing, I guess, the investment fee by about $470 per annum. So there's gonna be, like, a $470 savings with the the the superannuation investment fee, which is good because that means that stays within your fund. And then because we're swapping out some of the assets, historically, the fund is actually the new portfolio has performed at about 2.8% better. So we've got, you know, a couple percent sitting there that we're gonna be able to to get better income coming into your funds. So the growth, the dividends being paid, stuff like that. So it's a nice and easy one. It it does give you a bit of a a quite a quite a good boost over a ten year ten year, you know, projection, where if we stay where you're at, we're looking at sort of in ten years about 620,000. We'll be looking more along the $800,000 mark in ten years' time. Now, obviously, there's always factors that, you know, result in that number changing, extended periods of time of work. So eight to twelve weeks is not what I would call an extended period of time of work. But if we're looking at anything longer where, you know, no contributions are going in or, you know, anything causes causes a massive financial variance for you, then, you know, that that outcome can obviously change. But, again, it's always it's never a set to get strategy. We always look to update it and make sure that everything moves along nicely with with the the portfolio yearly. That's why we do the annual reviews to make sure that if anything changes for you, you know, we can we can make sure that that'll happen. Your next review is not due until, yeah, February year. But, of course, because you're going through a claim at the moment, we will definitely be in contact with you a little bit more than frequent. But but, yeah, that's that's just gonna give you, you know, a little bit better of an outcome with with respect to the investment side of things on your superannuation. Still there? Oh, no. You're okay. I'm not gonna lie. It it's a bit of a noisy drive, but that's okay. No. You are so fine. I'm it's okay. I've I've honestly joined Truckies for, like, long haul drives before, so it's not an issue. It's always fun to, you know, have the UHF radio going on the background. Yeah. Now with, I guess, with with the the the superannuation investments, I have sent you, like, the statement of advice, that's what it's called, that allows you to sign off and authorize the the implementation of the change. I can't make the change until you authorize it. Once you do authorize it, I will be able to place a trade to get everything happening for you. I I as soon as you sign that, I'll basically I'll I'll basically get that implemented. It will take sort of about a week to two for some of the assets to sell down, specifically like that Bennelong portfolio, just because it is it has a lot of underlying assets, so it does take a little bit to sell down. But that's not gonna delay any of the other assets buying in. It'll it'll happen pretty organically really quickly, and that'll see us have a really good turnaround. The portfolio overall like, I know Veronica's kinda gone through this with you, but the portfolio overall has still done pretty well. You've had some good assets holding it up, but just a little bit of a tweak to to the portfolio is gonna just give us a better long term outcome at the moment with where the market's at. So, realistically, I think what we're doing is we're selling we're moving out completely out of six of your assets that you currently hold. You hold nine, like, across your current portfolio. You have nine different asset holdings. Anything, you know, from, yeah, your Australian equities to you have a lithium and tech stock. You have, you know, bank hybrid, stuff like that. So we're selling out of six of them completely, and we're moving into, like, six five five five other new ones. So you'll move from basically having nine to having eight. Mhmm. But the other three that you already hold, we're just gonna sort of reweight those to make sure that they're sort of in line because they're a little bit out. Nothing too crazy, but just sort of shift those to pull them back into sort of a risk profile allocation that works the way you're currently at and where the market's sitting as well. So I've sent yeah. Yeah. No. So this is this is this is in no way set and forget. So if, you know, market doesn't improve or if things go really haywire, we'll be on the phone to have a chat to you. Realistically, we we don't wanna be placing trades all the time. We don't wanna be, you know, we don't wanna be making knee jerk reactions. We're aware that the market's volatile. We're aware that we're going through a lot of, I guess, craziness at the moment. Trump's, you know, throwing us for a for a wild ride, and and that that's okay. Like, you are 36. I I'm in the same age bracket as yourself. And, realistically, right now, the contributions that are going in, if the market goes for a drop, you buy assets for a cheaper price. So it it sits it sits pretty pretty okay overall. So, you know, having having little dips in the market isn't anything to be concerned about. Even if we would have like, history shows us, even if we have a prolonged market drop, all that we're doing is buying in at a lower rate. The market will bounce back up. Yeah. Buy the dip. That's it. Well, that's not what we're doing. We don't wanna do that. So I've sent that document to you. It's pretty straightforward even though it is still quite a number of pages painfully. We have to have all of our disclosures and stuff like that in it. It it's it's really straightforward with what it's actually detailing. Just it's basically just a straight investment swap. It's good. It outlines the new investments so that way you can have a look through them. And then yeah, as I said, once you sign that, I'll get that implemented for you. Cool. Amazing. Were there any questions you might have had on any of the specific assets that I've rec we've recommended? Or Yes. Yep. Yeah. So in Comfort? Yeah. It's monthly it's monthly payments. Unless unless it takes an extended period of time for the claim to go through, which I don't think it's going through, your your claim's pretty straightforward. Like, you fell off a bike. Silly, silly boy. Yeah. So it's it's it's gonna be pretty straightforward with regards to the claim. The claims assessor still has to do their due diligence, obviously, but you have a thirty day waiting period. So you have to serve out your thirty day waiting period. Once your thirty day waiting period is served out, then you will start receiving a benefit. OnePath is really good for that. They actually pay midmonth rather than paying at the end of the month like most insurers. So most insurers, if you're with others, what you would see is you wouldn't see any funds until sixty days post leaving work. Whereas with one pass, they actually pay at day fifteen, like or day forty five, I guess you could call it. So can I confirm? Because I haven't looked through your your your claim documents, so I'm not a thousand percent familiar. What when was the last day you did work? Accident happened. March 30. Okay. So we're we're halfway through our month so far. So we're basically we're we're we're four weeks away or a month away from being able to receive any funds. Are you going okay with with yeah. Yeah. Yeah. Yeah. Definitely not. No. That's okay. Alright. So so what what what will happen is, basically, the insurer will pay you for the full month. If if, basically, it's a pretty open and closed case, I. E. The doctors has turned around in your in your documents and stated that you will be set for work for like, by x date, then the insurer can actually make the decision to just pay out the entire time period. So they, you know, they may just pay out, like, the the full six weeks. Or they may pay out a month, and then at the time that you go back to work, they'll just ask you for a confirmation that you've returned to work, and they'll pay out a partial month payment after that. It just depends on what your doctor's disclosed, how your recovery is going, so on and so forth. If your doctor said eight to twelve weeks, more than likely, the insurer is just gonna pay you month to month until you return to work. Yeah. Just because the the return date's uncertain. Yes. Yeah. So, yeah, so you're you're working with with a a physio to try and get things moving faster. Yep. Yep. Good. Alright. Cool. That's good. Okay. So the doctor has an internal physio. I love that. Perfect. Oh, I love. Yeah. Alright. Perfect. No. That's good. So that that gives you a a a solid direction forward, and it means that you're you're working on your recovery, which is good. You wanna get back to work. So it's it's just a matter of, yeah, just waiting out that time period, obviously, making sure that you're recovering properly, not rushing it. And once once the doctor certifies that you're good to go back to work, yeah, you can go back to work. And one one pass will just pay out a partial payment or whatever's sort of due on that. But I'll generally, I try and give it a week before I start chasing up your claims assessors. So it'll it'll be sort of this time next week that I get in touch with one pass from a claims assessment point of view, let them take a week to kind of look over the claim and go from there. They they generally have, like, a two to three day turnaround before they assign a claims assessor to you. You'll don't be surprised. Your claims assessor will reach out to you. But but I'll I'll give them a call, introduce myself from a claims point of view, and make sure that I keep on top of everything so that way I can sort of help to manage everything and make sure that everything goes smoothly for you. That's what I that's what we're here for. Oh, perfect. Well, you have a document sitting in your inbox ready for you to sign. And then outside of that, I'll touch base with you in, like, basically a week, maybe a week and a half after I have a chance to speak to that, whomever your claims assessor may or may not be. And I'll I'll touch base with you then to to just have a chat and, you know, give you an update on where the claim fits. No. Absolutely. Well, everything's all good. I hope you continue are you driving? I didn't think you could drive anyway, drive home safe. And I've no. That's okay. Well, drive safe, and I'll I'll speak to you in a week or so. Not a problem. Thanks, Scott. Have a good one. 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Scott. Larissa from OC Financial. How are you going? That's good. Have I got you in an okay time now?\n\nI can. I'm assuming we're driving and we're hands free by the sounds of things. Perfect. No. I love.\n\nAlright. Well, before I jump into it, I do need to let you know that our calls are recorded. And if I could get you some security for me, it's full name, date of birth, and address. What was that address? Sorry?\n\nPerfect. Nope. We just just cut out, and I just had no idea. Perfect. Alright.\n\nSorry. As I was explaining this morning, the whole point of the call today is to go through and have the recommendation Veronica was making. So Veronica's put the whole plan together. It's just, obviously, she's sick and we didn't wanna wanna delay anything. So I've taken the call to be able to get that through to you.\n\nNow with respect to what we're wanting to do, is we go ahead and get the update to the investment. So the the whole scope of the advice is really limited to your superannuation and where the investment currently fits. Now Oh, I'm so sorry. Is that a bit better? That's okay.\n\nJust having an Perfect. No. That's okay. So yeah. So as I was saying, the the the point of the the point of the advice is to go through and do a bit of an update to your superannuation investments.\n\nVeronica put everything together. She's just ill today, and I've taken over some of her bookings. Now the goals that you had put together was that you were really wanting to, like, grow your superannuation as much as possible and just sort of aim towards, I guess, a bit of a better investment outcome with where the investment fits. So this the scope of the advice does very much does very much revolve around your superannuation investments. Now when when Veronica was putting the plan together, you were off work with with a time frame of, like, eight to twelve weeks off work.\n\nMhmm. And I I know that we're looking at going and doing an income protection claim as well. Can I ask how is how is everything going on that front? Yep. Perfect.\n\nPerfect. I I can I can see on on file that that Caden got the the documents all in, and I assume that from a claims perspective, because I'm actually I deal with majority of the claims? I probably have an email sitting in my inbox waiting for me to just check them over as well. Yep. Good.\n\nAnd what's what's the time frame what's the time frame that you are looking at having off? Okay. So still eight to twelve weeks. Yeah. With your job, you you could either do nothing or or all of it.\n\nYeah. No. That's that's that's okay. Alright. Well, yeah, the the claim the claim will get submitted today because, yeah, Caden got all received all the documents yesterday.\n\nAnd I lied. He submitted them to he submitted them to one part yesterday. I apologize. I have the email confirmation that was submitted. I generally have a look over the documents myself, so I'll probably have a look over them after we get off the phone just to make sure that there wasn't anything missing or anything that would delay the claim.\n\nIt's generally sort of a check that I do just to just to make sure that everything runs smoothly rather than it going to the insurer coming back and being, you know, back and forwards. So I'll have a look over that. If there is anything, I'll send you an email. But if Cadence haven't had a look over it, we're probably pretty good. So, anyway, the advice the advice does, I guess, center a lot around our our our superannuation and the investment.\n\nSo your risk profile is a is of a high growth investor. So that's someone who would basically be happy to take on a bit of fluctuation in the market, someone that is you know, has a decent long term time frame before retirement, which you do. You're sitting in your mid thirties. So we've got plenty of time to be able to weather any of those cyclical investment storms that we do go through. So the main changes to the investment strategy are to basically decrease some of the higher cost assets.\n\nSo, like, your rental long asset that it it is a bit of a higher cost portfolio structure and and remove some of those, I guess, assets that aren't quite pulling their weight in the volatile market and swap them in for assets that that cost a little bit less and have that that better volatility cushion to them, still keeping to, obviously, a a variance that's gonna allow you to, you know, be invested in the market and have a good return, but just sort of remove some of that uncertainty where the market is, you know, where it's currently sitting and has has that better sort of historical performance outcome. So, overall, you we're gonna we're going to be decreasing, I guess, the investment fee by about $470 per annum. So there's gonna be, like, a $470 savings with the the the superannuation investment fee, which is good because that means that stays within your fund. And then because we're swapping out some of the assets, historically, the fund is actually the new portfolio has performed at about 2.8% better. So we've got, you know, a couple percent sitting there that we're gonna be able to to get better income coming into your funds.\n\nSo the growth, the dividends being paid, stuff like that. So it's a nice and easy one. It it does give you a bit of a a quite a quite a good boost over a ten year ten year, you know, projection, where if we stay where you're at, we're looking at sort of in ten years about 620,000. We'll be looking more along the $800,000 mark in ten years' time. Now, obviously, there's always factors that, you know, result in that number changing, extended periods of time of work.\n\nSo eight to twelve weeks is not what I would call an extended period of time of work. But if we're looking at anything longer where, you know, no contributions are going in or, you know, anything causes causes a massive financial variance for you, then, you know, that that outcome can obviously change. But, again, it's always it's never a set to get strategy. We always look to update it and make sure that everything moves along nicely with with the the portfolio yearly. That's why we do the annual reviews to make sure that if anything changes for you, you know, we can we can make sure that that'll happen.\n\nYour next review is not due until, yeah, February year. But, of course, because you're going through a claim at the moment, we will definitely be in contact with you a little bit more than frequent. But but, yeah, that's that's just gonna give you, you know, a little bit better of an outcome with with respect to the investment side of things on your superannuation. Still there? Oh, no.\n\nYou're okay. I'm not gonna lie. It it's a bit of a noisy drive, but that's okay. No. You are so fine.\n\nI'm it's okay. I've I've honestly joined Truckies for, like, long haul drives before, so it's not an issue. It's always fun to, you know, have the UHF radio going on the background. Yeah. Now with, I guess, with with the the the superannuation investments, I have sent you, like, the statement of advice, that's what it's called, that allows you to sign off and authorize the the implementation of the change.\n\nI can't make the change until you authorize it. Once you do authorize it, I will be able to place a trade to get everything happening for you. I I as soon as you sign that, I'll basically I'll I'll basically get that implemented. It will take sort of about a week to two for some of the assets to sell down, specifically like that Bennelong portfolio, just because it is it has a lot of underlying assets, so it does take a little bit to sell down. But that's not gonna delay any of the other assets buying in.\n\nIt'll it'll happen pretty organically really quickly, and that'll see us have a really good turnaround. The portfolio overall like, I know Veronica's kinda gone through this with you, but the portfolio overall has still done pretty well. You've had some good assets holding it up, but just a little bit of a tweak to to the portfolio is gonna just give us a better long term outcome at the moment with where the market's at. So, realistically, I think what we're doing is we're selling we're moving out completely out of six of your assets that you currently hold. You hold nine, like, across your current portfolio.\n\nYou have nine different asset holdings. Anything, you know, from, yeah, your Australian equities to you have a lithium and tech stock. You have, you know, bank hybrid, stuff like that. So we're selling out of six of them completely, and we're moving into, like, six five five five other new ones. So you'll move from basically having nine to having eight.\n\nMhmm. But the other three that you already hold, we're just gonna sort of reweight those to make sure that they're sort of in line because they're a little bit out. Nothing too crazy, but just sort of shift those to pull them back into sort of a risk profile allocation that works the way you're currently at and where the market's sitting as well. So I've sent yeah. Yeah.\n\nNo. So this is this is this is in no way set and forget. So if, you know, market doesn't improve or if things go really haywire, we'll be on the phone to have a chat to you. Realistically, we we don't wanna be placing trades all the time. We don't wanna be, you know, we don't wanna be making knee jerk reactions.\n\nWe're aware that the market's volatile. We're aware that we're going through a lot of, I guess, craziness at the moment. Trump's, you know, throwing us for a for a wild ride, and and that that's okay. Like, you are 36. I I'm in the same age bracket as yourself.\n\nAnd, realistically, right now, the contributions that are going in, if the market goes for a drop, you buy assets for a cheaper price. So it it sits it sits pretty pretty okay overall. So, you know, having having little dips in the market isn't anything to be concerned about. Even if we would have like, history shows us, even if we have a prolonged market drop, all that we're doing is buying in at a lower rate. The market will bounce back up.\n\nYeah. Buy the dip. That's it. Well, that's not what we're doing. We don't wanna do that.\n\nSo I've sent that document to you. It's pretty straightforward even though it is still quite a number of pages painfully. We have to have all of our disclosures and stuff like that in it. It it's it's really straightforward with what it's actually detailing. Just it's basically just a straight investment swap.\n\nIt's good. It outlines the new investments so that way you can have a look through them. And then yeah, as I said, once you sign that, I'll get that implemented for you. Cool. Amazing.\n\nWere there any questions you might have had on any of the specific assets that I've rec we've recommended? Or Yes. Yep. Yeah. So in Comfort?\n\nYeah. It's monthly it's monthly payments. Unless unless it takes an extended period of time for the claim to go through, which I don't think it's going through, your your claim's pretty straightforward. Like, you fell off a bike. Silly, silly boy.\n\nYeah. So it's it's it's gonna be pretty straightforward with regards to the claim. The claims assessor still has to do their due diligence, obviously, but you have a thirty day waiting period. So you have to serve out your thirty day waiting period. Once your thirty day waiting period is served out, then you will start receiving a benefit.\n\nOnePath is really good for that. They actually pay midmonth rather than paying at the end of the month like most insurers. So most insurers, if you're with others, what you would see is you wouldn't see any funds until sixty days post leaving work. Whereas with one pass, they actually pay at day fifteen, like or day forty five, I guess you could call it. So can I confirm?\n\nBecause I haven't looked through your your your claim documents, so I'm not a thousand percent familiar. What when was the last day you did work? Accident happened. March 30. Okay.\n\nSo we're we're halfway through our month so far. So we're basically we're we're we're four weeks away or a month away from being able to receive any funds. Are you going okay with with yeah. Yeah. Yeah.\n\nYeah. Definitely not. No. That's okay. Alright.\n\nSo so what what what will happen is, basically, the insurer will pay you for the full month. If if, basically, it's a pretty open and closed case, I. E. The doctors has turned around in your in your documents and stated that you will be set for work for like, by x date, then the insurer can actually make the decision to just pay out the entire time period. So they, you know, they may just pay out, like, the the full six weeks.\n\nOr they may pay out a month, and then at the time that you go back to work, they'll just ask you for a confirmation that you've returned to work, and they'll pay out a partial month payment after that. It just depends on what your doctor's disclosed, how your recovery is going, so on and so forth. If your doctor said eight to twelve weeks, more than likely, the insurer is just gonna pay you month to month until you return to work. Yeah. Just because the the return date's uncertain.\n\nYes. Yeah. So, yeah, so you're you're working with with a a physio to try and get things moving faster. Yep. Yep.\n\nGood. Alright. Cool. That's good. Okay.\n\nSo the doctor has an internal physio. I love that. Perfect. Oh, I love. Yeah.\n\nAlright. Perfect. No. That's good. So that that gives you a a a solid direction forward, and it means that you're you're working on your recovery, which is good.\n\nYou wanna get back to work. So it's it's just a matter of, yeah, just waiting out that time period, obviously, making sure that you're recovering properly, not rushing it. And once once the doctor certifies that you're good to go back to work, yeah, you can go back to work. And one one pass will just pay out a partial payment or whatever's sort of due on that. But I'll generally, I try and give it a week before I start chasing up your claims assessors.\n\nSo it'll it'll be sort of this time next week that I get in touch with one pass from a claims assessment point of view, let them take a week to kind of look over the claim and go from there. They they generally have, like, a two to three day turnaround before they assign a claims assessor to you. You'll don't be surprised. Your claims assessor will reach out to you. But but I'll I'll give them a call, introduce myself from a claims point of view, and make sure that I keep on top of everything so that way I can sort of help to manage everything and make sure that everything goes smoothly for you.\n\nThat's what I that's what we're here for. Oh, perfect. Well, you have a document sitting in your inbox ready for you to sign. And then outside of that, I'll touch base with you in, like, basically a week, maybe a week and a half after I have a chance to speak to that, whomever your claims assessor may or may not be. And I'll I'll touch base with you then to to just have a chat and, you know, give you an update on where the claim fits.\n\nNo. Absolutely. Well, everything's all good. I hope you continue are you driving? I didn't think you could drive anyway, drive home safe.\n\nAnd I've no. That's okay. Well, drive safe, and I'll I'll speak to you in a week or so. Not a problem. Thanks, Scott.\n\nHave a good one. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Scott.","start":2.56,"end":3.52,"sentiment":"neutral","sentiment_score":0.14908652007579803},{"text":"Larissa from OC Financial.","start":3.52,"end":5.04,"sentiment":"neutral","sentiment_score":0.15647174790501595},{"text":"How are you going?","start":5.04,"end":5.94,"sentiment":"neutral","sentiment_score":0.18393175303936005},{"text":"That's good.","start":7.7599998,"end":8.4,"sentiment":"positive","sentiment_score":0.6466436088085175},{"text":"Have I got you in an okay time now?","start":8.4,"end":10.179999,"sentiment":"neutral","sentiment_score":0.15500040683481428}],"sentiment":"neutral","sentiment_score":0.20705132966949827,"num_words":21,"start":2.56,"end":10.179999},{"sentences":[{"text":"I can.","start":12.575001,"end":13.215,"sentiment":"neutral","sentiment_score":0.06078772991895676},{"text":"I'm assuming we're driving and we're hands free by the sounds of things.","start":13.215,"end":16.435001,"sentiment":"neutral","sentiment_score":0.07722308687292613},{"text":"Perfect.","start":18.495,"end":18.975,"sentiment":"positive","sentiment_score":0.35931146144866943},{"text":"No.","start":18.975,"end":19.215,"sentiment":"neutral","sentiment_score":0.16848689317703247},{"text":"I love.","start":19.215,"end":19.695,"sentiment":"positive","sentiment_score":0.3499959856271744}],"sentiment":"neutral","sentiment_score":0.12385610079294757,"num_words":19,"start":12.575001,"end":19.695},{"sentences":[{"text":"Alright.","start":19.695,"end":20.195,"sentiment":"neutral","sentiment_score":0.1356402337551117},{"text":"Well, before I jump into it, I do need to let you know that our calls are recorded.","start":20.494999,"end":24.255001,"sentiment":"neutral","sentiment_score":0.015096562811070018},{"text":"And if I could get you some security for me, it's full name, date of birth, and address.","start":24.255001,"end":27.715,"sentiment":"neutral","sentiment_score":0.023802537367575698},{"text":"What was that address?","start":37.27,"end":38.47,"sentiment":"neutral","sentiment_score":-0.000226507312618196},{"text":"Sorry?","start":38.47,"end":38.97,"sentiment":"neutral","sentiment_score":-0.013287942856550217}],"sentiment":"neutral","sentiment_score":0.019562620591993134,"num_words":42,"start":19.695,"end":38.97},{"sentences":[{"text":"Perfect.","start":41.365,"end":41.845,"sentiment":"neutral","sentiment_score":0.09176995605230331},{"text":"Nope.","start":41.845,"end":42.085,"sentiment":"neutral","sentiment_score":-0.25545239448547363},{"text":"We just just cut out, and I just had no idea.","start":42.085,"end":45.465,"sentiment":"negative","sentiment_score":-0.36871053955771704},{"text":"Perfect.","start":47.605,"end":48.085,"sentiment":"neutral","sentiment_score":0.15615800023078918},{"text":"Alright.","start":48.085,"end":48.405,"sentiment":"neutral","sentiment_score":0.011297214776277542}],"sentiment":"neutral","sentiment_score":-0.2701362105707327,"num_words":15,"start":41.365,"end":48.405},{"sentences":[{"text":"Sorry.","start":48.405,"end":48.905,"sentiment":"neutral","sentiment_score":-0.0799582451581955},{"text":"As I was explaining this morning, the whole point of the call today is to go through and have the recommendation Veronica was making.","start":49.765,"end":61.269997,"sentiment":"neutral","sentiment_score":-0.0072591301674644155},{"text":"So Veronica's put the whole plan together.","start":61.329998,"end":63.35,"sentiment":"neutral","sentiment_score":0.028793055031980788},{"text":"It's just, obviously, she's sick and we didn't wanna wanna delay anything.","start":63.89,"end":69.295,"sentiment":"neutral","sentiment_score":-0.1737312152981758},{"text":"So I've taken the call to be able to get that through to you.","start":69.295,"end":74.035,"sentiment":"neutral","sentiment_score":0.056195496182356565}],"sentiment":"neutral","sentiment_score":-0.023287303809975755,"num_words":58,"start":48.405,"end":74.035},{"sentences":[{"text":"Now with respect to what we're wanting to do, is we go ahead and get the update to the investment.","start":76.015,"end":92.745,"sentiment":"neutral","sentiment_score":0.007153561804443598},{"text":"So the the whole scope of the advice is really limited to your superannuation and where the investment currently fits.","start":92.885,"end":99.705,"sentiment":"neutral","sentiment_score":-0.0586362125352025},{"text":"Now Oh, I'm so sorry.","start":100.085,"end":103.7,"sentiment":"neutral","sentiment_score":-0.08468448370695114},{"text":"Is that a bit better?","start":103.7,"end":105.08,"sentiment":"neutral","sentiment_score":-0.06562563553452491},{"text":"That's okay.","start":108.82,"end":109.72,"sentiment":"neutral","sentiment_score":0.11487657949328423}],"sentiment":"neutral","sentiment_score":-0.029835585612230577,"num_words":52,"start":76.015,"end":109.72},{"sentences":[{"text":"Just having an Perfect.","start":110.02,"end":112.68,"sentiment":"neutral","sentiment_score":0.0929908286780119},{"text":"No.","start":115.525,"end":115.765,"sentiment":"neutral","sentiment_score":-0.11885199695825575},{"text":"That's okay.","start":115.765,"end":116.745,"sentiment":"neutral","sentiment_score":-0.06103506684303284},{"text":"So yeah.","start":117.525,"end":117.925,"sentiment":"neutral","sentiment_score":-0.02641964703798294},{"text":"So as I was saying, the the the point of the the point of the advice is to go through and do a bit of an update to your superannuation investments.","start":117.925,"end":126.185,"sentiment":"neutral","sentiment_score":-0.02129530173636252}],"sentiment":"neutral","sentiment_score":-0.014548811595886946,"num_words":40,"start":110.02,"end":126.185},{"sentences":[{"text":"Veronica put everything together.","start":126.725,"end":128.345,"sentiment":"neutral","sentiment_score":-0.1196576040238142},{"text":"She's just ill today, and I've taken over some of her bookings.","start":128.485,"end":133.2,"sentiment":"negative","sentiment_score":-0.36034367481867474},{"text":"Now the goals that you had put together was that you were really wanting to, like, grow your superannuation as much as possible and just sort of aim towards, I guess, a bit of a better investment outcome with where the investment fits.","start":133.5,"end":148.50499,"sentiment":"neutral","sentiment_score":0.278659054706263},{"text":"So this the scope of the advice does very much does very much revolve around your superannuation investments.","start":148.64499,"end":157.465,"sentiment":"neutral","sentiment_score":0.1209210633403725},{"text":"Now when when Veronica was putting the plan together, you were off work with with a time frame of, like, eight to twelve weeks off work.","start":157.8,"end":168.14,"sentiment":"neutral","sentiment_score":-0.0321961587223296}],"sentiment":"neutral","sentiment_score":0.08270935778442806,"num_words":103,"start":126.725,"end":168.14},{"sentences":[{"text":"Mhmm.","start":168.68001,"end":169.08,"sentiment":"neutral","sentiment_score":-0.002089936286211014},{"text":"And I I know that we're looking at going and doing an income protection claim as well.","start":169.08,"end":174.855,"sentiment":"neutral","sentiment_score":0.018260204616714928},{"text":"Can I ask how is how is everything going on that front?","start":175.155,"end":179.095,"sentiment":"neutral","sentiment_score":0.04062157326067487},{"text":"Yep.","start":182.355,"end":182.855,"sentiment":"neutral","sentiment_score":0.16065339744091034},{"text":"Perfect.","start":193.82,"end":194.14,"sentiment":"positive","sentiment_score":0.4421077370643616}],"sentiment":"neutral","sentiment_score":0.043704798619728535,"num_words":32,"start":168.68001,"end":194.14},{"sentences":[{"text":"Perfect.","start":194.14,"end":194.64,"sentiment":"positive","sentiment_score":0.412728875875473},{"text":"I I can I can see on on file that that Caden got the the documents all in, and I assume that from a claims perspective, because I'm actually I deal with majority of the claims?","start":194.7,"end":205.535,"sentiment":"neutral","sentiment_score":0.11732398180498017},{"text":"I probably have an email sitting in my inbox waiting for me to just check them over as well.","start":205.91501,"end":211.535,"sentiment":"neutral","sentiment_score":0.07325925795655501},{"text":"Yep.","start":223.53,"end":224.03,"sentiment":"neutral","sentiment_score":0.22965942323207855},{"text":"Good.","start":224.25,"end":224.75,"sentiment":"neutral","sentiment_score":0.27793562412261963}],"sentiment":"neutral","sentiment_score":0.11268815809282763,"num_words":58,"start":194.14,"end":224.75},{"sentences":[{"text":"And what's what's the time frame what's the time frame that you are looking at having off?","start":238.51999,"end":245.9,"sentiment":"neutral","sentiment_score":0.022508670192431},{"text":"Okay.","start":249.0,"end":249.31999,"sentiment":"neutral","sentiment_score":0.00012738723307847977},{"text":"So still eight to twelve weeks.","start":249.31999,"end":250.86,"sentiment":"neutral","sentiment_score":-0.006308458124597867},{"text":"Yeah.","start":259.815,"end":260.135,"sentiment":"neutral","sentiment_score":0.003220757469534874},{"text":"With your job, you you could either do nothing or or all of it.","start":260.135,"end":263.355,"sentiment":"neutral","sentiment_score":-0.027217609009572437}],"sentiment":"neutral","sentiment_score":-0.0008436342796836146,"num_words":39,"start":238.51999,"end":263.355},{"sentences":[{"text":"Yeah.","start":267.19,"end":267.69,"sentiment":"neutral","sentiment_score":0.00022496096789836884},{"text":"No.","start":269.51,"end":269.83002,"sentiment":"neutral","sentiment_score":-0.06426964700222015},{"text":"That's that's that's okay.","start":269.83002,"end":272.71,"sentiment":"neutral","sentiment_score":-0.031023306772112846},{"text":"Alright.","start":272.71,"end":273.21,"sentiment":"neutral","sentiment_score":0.04138846695423126},{"text":"Well, yeah, the the claim the claim will get submitted today because, yeah, Caden got all received all the documents yesterday.","start":273.59,"end":279.53,"sentiment":"neutral","sentiment_score":-0.01718202109138171}],"sentiment":"neutral","sentiment_score":-0.01812756746741278,"num_words":28,"start":267.19,"end":279.53},{"sentences":[{"text":"And I lied.","start":281.695,"end":282.095,"sentiment":"neutral","sentiment_score":-0.2183895856142044},{"text":"He submitted them to he submitted them to one part yesterday.","start":282.095,"end":284.33502,"sentiment":"neutral","sentiment_score":-0.08532765914093364},{"text":"I apologize.","start":284.33502,"end":284.915,"sentiment":"neutral","sentiment_score":-0.11606792733073235},{"text":"I have the email confirmation that was submitted.","start":285.61502,"end":287.55502,"sentiment":"neutral","sentiment_score":-0.03830577153712511},{"text":"I generally have a look over the documents myself, so I'll probably have a look over them after we get off the phone just to make sure that there wasn't anything missing or anything that would delay the claim.","start":288.33502,"end":299.0,"sentiment":"neutral","sentiment_score":-0.04871346873159592}],"sentiment":"neutral","sentiment_score":-0.06400286214100936,"num_words":63,"start":281.695,"end":299.0},{"sentences":[{"text":"It's generally sort of a check that I do just to just to make sure that everything runs smoothly rather than it going to the insurer coming back and being, you know, back and forwards.","start":299.0,"end":307.1,"sentiment":"neutral","sentiment_score":0.27295062435524803},{"text":"So I'll have a look over that.","start":308.76498,"end":309.88498,"sentiment":"neutral","sentiment_score":0.19780166021415166},{"text":"If there is anything, I'll send you an email.","start":309.88498,"end":311.905,"sentiment":"neutral","sentiment_score":0.13295271827114952},{"text":"But if Cadence haven't had a look over it, we're probably pretty good.","start":312.525,"end":315.66498,"sentiment":"positive","sentiment_score":0.42459409397382003},{"text":"So, anyway, the advice the advice does, I guess, center a lot around our our our superannuation and the investment.","start":317.805,"end":327.99,"sentiment":"neutral","sentiment_score":0.2564488649368286}],"sentiment":"neutral","sentiment_score":0.27122807689011097,"num_words":84,"start":299.0,"end":327.99},{"sentences":[{"text":"So your risk profile is a is of a high growth investor.","start":328.21,"end":332.39,"sentiment":"neutral","sentiment_score":0.2561894493798415},{"text":"So that's someone who would basically be happy to take on a bit of fluctuation in the market, someone that is you know, has a decent long term time frame before retirement, which you do.","start":332.45,"end":344.64502,"sentiment":"positive","sentiment_score":0.36723233418805257},{"text":"You're sitting in your mid thirties.","start":344.64502,"end":346.185,"sentiment":"neutral","sentiment_score":0.2740414043267568},{"text":"So we've got plenty of time to be able to weather any of those cyclical investment storms that we do go through.","start":346.325,"end":352.74,"sentiment":"neutral","sentiment_score":0.2456972680308602},{"text":"So the main changes to the investment strategy are to basically decrease some of the higher cost assets.","start":354.08002,"end":363.78,"sentiment":"neutral","sentiment_score":0.05761777899331517}],"sentiment":"neutral","sentiment_score":0.25821627348020515,"num_words":93,"start":328.21,"end":363.78},{"sentences":[{"text":"So, like, your rental long asset that it it is a bit of a higher cost portfolio structure and and remove some of those, I guess, assets that aren't quite pulling their weight in the volatile market and swap them in for assets that that cost a little bit less and have that that better volatility cushion to them, still keeping to, obviously, a a variance that's gonna allow you to, you know, be invested in the market and have a good return, but just sort of remove some of that uncertainty where the market is, you know, where it's currently sitting and has has that better sort of historical performance outcome.","start":364.295,"end":405.365,"sentiment":"neutral","sentiment_score":0.13452413422055542},{"text":"So, overall, you we're gonna we're going to be decreasing, I guess, the investment fee by about $470 per annum.","start":406.98,"end":418.44,"sentiment":"neutral","sentiment_score":0.30651054829359053},{"text":"So there's gonna be, like, a $470 savings with the the the superannuation investment fee, which is good because that means that stays within your fund.","start":418.5,"end":427.47498,"sentiment":"positive","sentiment_score":0.5121204199699255},{"text":"And then because we're swapping out some of the assets, historically, the fund is actually the new portfolio has performed at about 2.8% better.","start":428.095,"end":436.59497,"sentiment":"positive","sentiment_score":0.3874373957514763},{"text":"So we've got, you know, a couple percent sitting there that we're gonna be able to to get better income coming into your funds.","start":436.77,"end":444.69,"sentiment":"positive","sentiment_score":0.5588276088237762}],"sentiment":"neutral","sentiment_score":0.27777866518251526,"num_words":206,"start":364.295,"end":444.69},{"sentences":[{"text":"So the growth, the dividends being paid, stuff like that.","start":444.69,"end":447.75,"sentiment":"positive","sentiment_score":0.6360101461410522},{"text":"So it's a nice and easy one.","start":448.865,"end":450.465,"sentiment":"positive","sentiment_score":0.8776075499398368},{"text":"It it does give you a bit of a a quite a quite a good boost over a ten year ten year, you know, projection, where if we stay where you're at, we're looking at sort of in ten years about 620,000.","start":450.465,"end":462.645,"sentiment":"positive","sentiment_score":0.5843970516607875},{"text":"We'll be looking more along the $800,000 mark in ten years' time.","start":462.72,"end":466.72,"sentiment":"neutral","sentiment_score":0.2627782002091408},{"text":"Now, obviously, there's always factors that, you know, result in that number changing, extended periods of time of work.","start":466.72,"end":472.24,"sentiment":"neutral","sentiment_score":-0.07043311431219704}],"sentiment":"positive","sentiment_score":0.43181266345911556,"num_words":90,"start":444.69,"end":472.24},{"sentences":[{"text":"So eight to twelve weeks is not what I would call an extended period of time of work.","start":472.24,"end":476.32,"sentiment":"neutral","sentiment_score":-0.08039518818259239},{"text":"But if we're looking at anything longer where, you know, no contributions are going in or, you know, anything causes causes a massive financial variance for you, then, you know, that that outcome can obviously change.","start":476.32,"end":489.75497,"sentiment":"neutral","sentiment_score":-0.09991497634392646},{"text":"But, again, it's always it's never a set to get strategy.","start":490.13498,"end":492.94,"sentiment":"neutral","sentiment_score":-0.02382596785371954},{"text":"We always look to update it and make sure that everything moves along nicely with with the the portfolio yearly.","start":492.94,"end":499.9,"sentiment":"neutral","sentiment_score":0.21056475006043912},{"text":"That's why we do the annual reviews to make sure that if anything changes for you, you know, we can we can make sure that that'll happen.","start":499.9,"end":506.4,"sentiment":"neutral","sentiment_score":0.16986031002468532}],"sentiment":"neutral","sentiment_score":0.03117308205193175,"num_words":112,"start":472.24,"end":506.4},{"sentences":[{"text":"Your next review is not due until, yeah, February year.","start":506.54,"end":511.015,"sentiment":"neutral","sentiment_score":0.017588049918413163},{"text":"But, of course, because you're going through a claim at the moment, we will definitely be in contact with you a little bit more than frequent.","start":511.315,"end":517.655,"sentiment":"neutral","sentiment_score":0.053117084388549514},{"text":"But but, yeah, that's that's just gonna give you, you know, a little bit better of an outcome with with respect to the investment side of things on your superannuation.","start":519.155,"end":528.55,"sentiment":"neutral","sentiment_score":0.23025314882397652},{"text":"Still there?","start":535.34503,"end":536.16504,"sentiment":"neutral","sentiment_score":0.048478055745363235},{"text":"Oh, no.","start":537.34503,"end":539.825,"sentiment":"neutral","sentiment_score":0.00029199011623859406}],"sentiment":"neutral","sentiment_score":0.12231513213898454,"num_words":70,"start":506.54,"end":539.825},{"sentences":[{"text":"You're okay.","start":539.825,"end":540.885,"sentiment":"neutral","sentiment_score":0.002118470147252083},{"text":"I'm not gonna lie.","start":541.585,"end":542.705,"sentiment":"neutral","sentiment_score":-0.07444912008941174},{"text":"It it's a bit of a noisy drive, but that's okay.","start":542.705,"end":546.245,"sentiment":"neutral","sentiment_score":-0.15048312632875008},{"text":"No.","start":550.78,"end":551.28,"sentiment":"neutral","sentiment_score":-0.08639494329690933},{"text":"You are so fine.","start":551.34,"end":552.56,"sentiment":"neutral","sentiment_score":0.07070876099169254}],"sentiment":"neutral","sentiment_score":-0.07965608313679695,"num_words":22,"start":539.825,"end":552.56},{"sentences":[{"text":"I'm it's okay.","start":552.62,"end":553.74,"sentiment":"neutral","sentiment_score":0.12927802434811989},{"text":"I've I've honestly joined Truckies for, like, long haul drives before, so it's not an issue.","start":553.74,"end":560.56,"sentiment":"positive","sentiment_score":0.3567718658596277},{"text":"It's always fun to, you know, have the UHF radio going on the background.","start":561.285,"end":564.745,"sentiment":"positive","sentiment_score":0.4319509501968111},{"text":"Yeah.","start":569.76495,"end":570.26495,"sentiment":"neutral","sentiment_score":0.15877465903759003},{"text":"Now with, I guess, with with the the the superannuation investments, I have sent you, like, the statement of advice, that's what it's called, that allows you to sign off and authorize the the implementation of the change.","start":571.925,"end":592.255,"sentiment":"neutral","sentiment_score":0.10053644594001143}],"sentiment":"neutral","sentiment_score":0.22392578936544144,"num_words":72,"start":552.62,"end":592.255},{"sentences":[{"text":"I can't make the change until you authorize it.","start":593.515,"end":595.675,"sentiment":"neutral","sentiment_score":0.013620283040735457},{"text":"Once you do authorize it, I will be able to place a trade to get everything happening for you.","start":595.675,"end":600.495,"sentiment":"neutral","sentiment_score":0.23104308271094373},{"text":"I I as soon as you sign that, I'll basically I'll I'll basically get that implemented.","start":603.97,"end":609.75,"sentiment":"neutral","sentiment_score":0.14127741428092122},{"text":"It will take sort of about a week to two for some of the assets to sell down, specifically like that Bennelong portfolio, just because it is it has a lot of underlying assets, so it does take a little bit to sell down.","start":609.81,"end":621.835,"sentiment":"neutral","sentiment_score":0.08214108451184901},{"text":"But that's not gonna delay any of the other assets buying in.","start":622.135,"end":625.195,"sentiment":"neutral","sentiment_score":0.2621755289534728}],"sentiment":"neutral","sentiment_score":0.1353315381333232,"num_words":100,"start":593.515,"end":625.195},{"sentences":[{"text":"It'll it'll happen pretty organically really quickly, and that'll see us have a really good turnaround.","start":625.495,"end":630.98,"sentiment":"positive","sentiment_score":0.5910497903823853},{"text":"The portfolio overall like, I know Veronica's kinda gone through this with you, but the portfolio overall has still done pretty well.","start":631.92,"end":637.45996,"sentiment":"positive","sentiment_score":0.44952645085074683},{"text":"You've had some good assets holding it up, but just a little bit of a tweak to to the portfolio is gonna just give us a better long term outcome at the moment with where the market's at.","start":637.51996,"end":648.185,"sentiment":"positive","sentiment_score":0.3822165660952267},{"text":"So, realistically, I think what we're doing is we're selling we're moving out completely out of six of your assets that you currently hold.","start":648.485,"end":657.065,"sentiment":"neutral","sentiment_score":-0.10859763257515927},{"text":"You hold nine, like, across your current portfolio.","start":658.95,"end":661.35004,"sentiment":"neutral","sentiment_score":-0.014405176974833012}],"sentiment":"neutral","sentiment_score":0.28841688406343263,"num_words":108,"start":625.495,"end":661.35004},{"sentences":[{"text":"You have nine different asset holdings.","start":661.35004,"end":663.37,"sentiment":"neutral","sentiment_score":0.007353289518505335},{"text":"Anything, you know, from, yeah, your Australian equities to you have a lithium and tech stock.","start":663.67,"end":667.19,"sentiment":"neutral","sentiment_score":0.05137614323757589},{"text":"You have, you know, bank hybrid, stuff like that.","start":667.19,"end":669.37,"sentiment":"neutral","sentiment_score":0.012241126969456673},{"text":"So we're selling out of six of them completely, and we're moving into, like, six five five five other new ones.","start":669.75,"end":679.365,"sentiment":"neutral","sentiment_score":-0.037562704866840727},{"text":"So you'll move from basically having nine to having eight.","start":679.365,"end":682.505,"sentiment":"neutral","sentiment_score":0.0032530102878808977}],"sentiment":"neutral","sentiment_score":0.003548733424395323,"num_words":62,"start":661.35004,"end":682.505},{"sentences":[{"text":"Mhmm.","start":683.045,"end":683.445,"sentiment":"neutral","sentiment_score":-0.02781319804489613},{"text":"But the other three that you already hold, we're just gonna sort of reweight those to make sure that they're sort of in line because they're a little bit out.","start":683.445,"end":690.81,"sentiment":"neutral","sentiment_score":0.017589725522945323},{"text":"Nothing too crazy, but just sort of shift those to pull them back into sort of a risk profile allocation that works the way you're currently at and where the market's sitting as well.","start":690.95,"end":700.97,"sentiment":"neutral","sentiment_score":0.06148339854553342},{"text":"So I've sent yeah.","start":702.245,"end":704.58496,"sentiment":"neutral","sentiment_score":0.046172501519322395},{"text":"Yeah.","start":712.96497,"end":713.46497,"sentiment":"neutral","sentiment_score":0.030022066086530685}],"sentiment":"neutral","sentiment_score":0.04007180271936314,"num_words":70,"start":683.045,"end":713.46497},{"sentences":[{"text":"No.","start":713.52496,"end":714.02496,"sentiment":"neutral","sentiment_score":-0.09216772019863129},{"text":"So this is this is this is in no way set and forget.","start":714.11005,"end":716.85004,"sentiment":"neutral","sentiment_score":-0.10928716281285653},{"text":"So if, you know, market doesn't improve or if things go really haywire, we'll be on the phone to have a chat to you.","start":716.91003,"end":723.65,"sentiment":"neutral","sentiment_score":-0.11475950619205832},{"text":"Realistically, we we don't wanna be placing trades all the time.","start":723.87006,"end":727.31006,"sentiment":"neutral","sentiment_score":-0.26651359417221765},{"text":"We don't wanna be, you know, we don't wanna be making knee jerk reactions.","start":727.31006,"end":730.695,"sentiment":"neutral","sentiment_score":-0.2852258799331529}],"sentiment":"neutral","sentiment_score":-0.17764985460847144,"num_words":63,"start":713.52496,"end":730.695},{"sentences":[{"text":"We're aware that the market's volatile.","start":730.83496,"end":732.615,"sentiment":"neutral","sentiment_score":-0.20352667570114136},{"text":"We're aware that we're going through a lot of, I guess, craziness at the moment.","start":732.755,"end":736.45496,"sentiment":"neutral","sentiment_score":-0.31306376854578655},{"text":"Trump's, you know, throwing us for a for a wild ride, and and that that's okay.","start":736.675,"end":743.0,"sentiment":"neutral","sentiment_score":-0.22568946657702327},{"text":"Like, you are 36.","start":743.3,"end":744.66,"sentiment":"neutral","sentiment_score":-0.028478803113102913},{"text":"I I'm in the same age bracket as yourself.","start":744.66,"end":746.92,"sentiment":"neutral","sentiment_score":0.004014501969019572}],"sentiment":"neutral","sentiment_score":-0.19211865484714508,"num_words":50,"start":730.83496,"end":746.92},{"sentences":[{"text":"And, realistically, right now, the contributions that are going in, if the market goes for a drop, you buy assets for a cheaper price.","start":747.54,"end":754.68,"sentiment":"neutral","sentiment_score":0.13224841095507145},{"text":"So it it sits it sits pretty pretty okay overall.","start":754.9,"end":759.665,"sentiment":"neutral","sentiment_score":0.22129949778318406},{"text":"So, you know, having having little dips in the market isn't anything to be concerned about.","start":761.32495,"end":766.065,"sentiment":"neutral","sentiment_score":0.05103818536736071},{"text":"Even if we would have like, history shows us, even if we have a prolonged market drop, all that we're doing is buying in at a lower rate.","start":766.365,"end":774.91003,"sentiment":"neutral","sentiment_score":0.06422449980995484},{"text":"The market will bounce back up.","start":774.91003,"end":776.45,"sentiment":"neutral","sentiment_score":0.15867729485034943}],"sentiment":"neutral","sentiment_score":0.10659425679062094,"num_words":84,"start":747.54,"end":776.45},{"sentences":[{"text":"Yeah.","start":776.83,"end":777.33,"sentiment":"neutral","sentiment_score":0.09886372089385986},{"text":"Buy the dip.","start":778.19,"end":779.09,"sentiment":"neutral","sentiment_score":0.0856560543179512},{"text":"That's it.","start":779.95,"end":780.85004,"sentiment":"neutral","sentiment_score":0.023665637709200382},{"text":"Well, that's not what we're doing.","start":785.255,"end":786.615,"sentiment":"negative","sentiment_score":-0.4686178043484688},{"text":"We don't wanna do that.","start":786.615,"end":787.915,"sentiment":"negative","sentiment_score":-0.5345019280910492}],"sentiment":"neutral","sentiment_score":-0.29888548866352616,"num_words":17,"start":776.83,"end":787.915},{"sentences":[{"text":"So I've sent that document to you.","start":790.695,"end":792.375,"sentiment":"neutral","sentiment_score":0.13306640833616257},{"text":"It's pretty straightforward even though it is still quite a number of pages painfully.","start":792.375,"end":796.235,"sentiment":"neutral","sentiment_score":0.025128233645643507},{"text":"We have to have all of our disclosures and stuff like that in it.","start":796.375,"end":799.195,"sentiment":"neutral","sentiment_score":0.11581073754600116},{"text":"It it's it's really straightforward with what it's actually detailing.","start":799.95,"end":803.57,"sentiment":"neutral","sentiment_score":0.3275348640978336},{"text":"Just it's basically just a straight investment swap.","start":804.03,"end":806.03,"sentiment":"positive","sentiment_score":0.3473612666130066}],"sentiment":"neutral","sentiment_score":0.1690348911116708,"num_words":53,"start":790.695,"end":806.03},{"sentences":[{"text":"It's good.","start":806.03,"end":806.51,"sentiment":"positive","sentiment_score":0.8198582530021667},{"text":"It outlines the new investments so that way you can have a look through them.","start":806.51,"end":810.53,"sentiment":"positive","sentiment_score":0.586815470457077},{"text":"And then yeah, as I said, once you sign that, I'll get that implemented for you.","start":810.75,"end":815.355,"sentiment":"positive","sentiment_score":0.338224153034389},{"text":"Cool.","start":817.575,"end":818.075,"sentiment":"positive","sentiment_score":0.7590088844299316},{"text":"Amazing.","start":818.135,"end":818.615,"sentiment":"positive","sentiment_score":0.744316816329956}],"sentiment":"positive","sentiment_score":0.4959103060620172,"num_words":35,"start":806.03,"end":818.615},{"sentences":[{"text":"Were there any questions you might have had on any of the specific assets that I've rec we've recommended?","start":818.615,"end":822.475,"sentiment":"neutral","sentiment_score":0.17785021623498515},{"text":"Or Yes.","start":822.615,"end":830.07,"sentiment":"neutral","sentiment_score":0.03232450410723686},{"text":"Yep.","start":830.07,"end":830.57,"sentiment":"neutral","sentiment_score":0.050719209015369415},{"text":"Yeah.","start":832.55,"end":833.05,"sentiment":"neutral","sentiment_score":0.04135430231690407},{"text":"So in Comfort?","start":839.605,"end":841.865,"sentiment":"neutral","sentiment_score":0.026922695338726044}],"sentiment":"neutral","sentiment_score":0.13910171977029398,"num_words":26,"start":818.615,"end":841.865},{"sentences":[{"text":"Yeah.","start":842.64496,"end":843.14496,"sentiment":"neutral","sentiment_score":0.024909114465117455},{"text":"It's monthly it's monthly payments.","start":849.62,"end":851.94,"sentiment":"neutral","sentiment_score":0.0006779567804187537},{"text":"Unless unless it takes an extended period of time for the claim to go through, which I don't think it's going through, your your claim's pretty straightforward.","start":852.57996,"end":859.8,"sentiment":"neutral","sentiment_score":-0.07288833861929123},{"text":"Like, you fell off a bike.","start":859.86,"end":861.56,"sentiment":"neutral","sentiment_score":-0.15895011276006699},{"text":"Silly, silly boy.","start":864.055,"end":865.195,"sentiment":"neutral","sentiment_score":-0.1899068901936213}],"sentiment":"neutral","sentiment_score":-0.0824549426546409,"num_words":42,"start":842.64496,"end":865.195},{"sentences":[{"text":"Yeah.","start":868.855,"end":869.09503,"sentiment":"neutral","sentiment_score":0.01768508553504944},{"text":"So it's it's it's gonna be pretty straightforward with regards to the claim.","start":869.09503,"end":872.855,"sentiment":"neutral","sentiment_score":0.12352499595055214},{"text":"The claims assessor still has to do their due diligence, obviously, but you have a thirty day waiting period.","start":872.855,"end":879.29004,"sentiment":"neutral","sentiment_score":0.02068740707871161},{"text":"So you have to serve out your thirty day waiting period.","start":879.51,"end":882.33,"sentiment":"neutral","sentiment_score":0.07586874270981009},{"text":"Once your thirty day waiting period is served out, then you will start receiving a benefit.","start":882.39,"end":888.25,"sentiment":"neutral","sentiment_score":0.15667259087786078}],"sentiment":"neutral","sentiment_score":0.08929813985402385,"num_words":60,"start":868.855,"end":888.25},{"sentences":[{"text":"OnePath is really good for that.","start":888.98505,"end":891.465,"sentiment":"positive","sentiment_score":0.5246845483779907},{"text":"They actually pay midmonth rather than paying at the end of the month like most insurers.","start":891.465,"end":895.885,"sentiment":"neutral","sentiment_score":0.24667743779718876},{"text":"So most insurers, if you're with others, what you would see is you wouldn't see any funds until sixty days post leaving work.","start":896.185,"end":903.45,"sentiment":"neutral","sentiment_score":0.09119747708673062},{"text":"Whereas with one pass, they actually pay at day fifteen, like or day forty five, I guess you could call it.","start":904.23,"end":910.17,"sentiment":"neutral","sentiment_score":0.08636726580914997},{"text":"So can I confirm?","start":911.59,"end":912.87,"sentiment":"neutral","sentiment_score":0.0393419973552227}],"sentiment":"neutral","sentiment_score":0.15947955484901155,"num_words":70,"start":888.98505,"end":912.87},{"sentences":[{"text":"Because I haven't looked through your your your claim documents, so I'm not a thousand percent familiar.","start":912.87,"end":917.435,"sentiment":"neutral","sentiment_score":-0.07794359216795248},{"text":"What when was the last day you did work?","start":918.535,"end":920.63495,"sentiment":"neutral","sentiment_score":-0.05629283810655276},{"text":"Accident happened.","start":927.975,"end":928.95496,"sentiment":"neutral","sentiment_score":-0.07236530631780624},{"text":"March 30.","start":932.67,"end":933.63,"sentiment":"neutral","sentiment_score":-0.023195624351501465},{"text":"Okay.","start":933.63,"end":933.87,"sentiment":"neutral","sentiment_score":-0.03719335049390793}],"sentiment":"neutral","sentiment_score":-0.06645134908537711,"num_words":31,"start":912.87,"end":933.87},{"sentences":[{"text":"So we're we're halfway through our month so far.","start":933.87,"end":936.27,"sentiment":"neutral","sentiment_score":-0.09861589761243926},{"text":"So we're basically we're we're we're four weeks away or a month away from being able to receive any funds.","start":936.27,"end":943.305,"sentiment":"neutral","sentiment_score":-0.1355056047439575},{"text":"Are you going okay with with yeah.","start":943.605,"end":947.22504,"sentiment":"neutral","sentiment_score":-0.011372962700469154},{"text":"Yeah.","start":954.26,"end":954.76,"sentiment":"neutral","sentiment_score":0.01029672473669052},{"text":"Yeah.","start":962.42004,"end":962.92004,"sentiment":"neutral","sentiment_score":-0.0522599071264267}],"sentiment":"neutral","sentiment_score":-0.09787444986010853,"num_words":38,"start":933.87,"end":962.92004},{"sentences":[{"text":"Yeah.","start":966.115,"end":966.615,"sentiment":"neutral","sentiment_score":-0.08390653133392334},{"text":"Definitely not.","start":975.63495,"end":976.615,"sentiment":"neutral","sentiment_score":-0.15057719498872757},{"text":"No.","start":977.235,"end":977.555,"sentiment":"neutral","sentiment_score":-0.16122886538505554},{"text":"That's okay.","start":977.555,"end":978.115,"sentiment":"neutral","sentiment_score":-0.09016422554850578},{"text":"Alright.","start":978.115,"end":978.355,"sentiment":"neutral","sentiment_score":0.01984100416302681}],"sentiment":"neutral","sentiment_score":-0.10096817623291697,"num_words":7,"start":966.115,"end":978.355},{"sentences":[{"text":"So so what what what will happen is, basically, the insurer will pay you for the full month.","start":978.355,"end":985.68,"sentiment":"neutral","sentiment_score":-0.006963811814785004},{"text":"If if, basically, it's a pretty open and closed case, I.","start":986.22,"end":989.26,"sentiment":"neutral","sentiment_score":-0.06835593689571727},{"text":"E.","start":989.26,"end":989.5,"sentiment":"neutral","sentiment_score":-0.021868791431188583},{"text":"The doctors has turned around in your in your documents and stated that you will be set for work for like, by x date, then the insurer can actually make the decision to just pay out the entire time 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document sitting in your inbox ready for you to sign.","start":1163.7849,"end":1166.79,"sentiment":"neutral","sentiment_score":0.19907582764114654},{"text":"And then outside of that, I'll touch base with you in, like, basically a week, maybe a week and a half after I have a chance to speak to that, whomever your claims assessor may or may not be.","start":1167.3501,"end":1177.53,"sentiment":"neutral","sentiment_score":0.1388281816855455},{"text":"And I'll I'll touch base with you then to to just have a chat and, you know, give you an update on where the claim 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Yeah. Good. Thank you. Yeah. I do. Can you hear me okay? Yes. Yes. Yep. First first twelve eighty nine. One six two Avenue. 162 Avenue. Is this breaking up a little bit? Yeah. That's taste better. You're just in and out. Yeah. Yeah. That's taste better. I thought it was my side. Yes. Yeah. I've just submitted paperwork. Yeah. Okay. Yeah. Well, I went to the doctor. I don't know if you do know about it. I went to yesterday to check out to see how it's all going. I'm in operation, so that's fantastic. I just got a new you know, actually, to do so, like, you know, I Yeah. Okay. Yep. Yeah. Yeah. Yeah. Yeah. Yeah. Cool. Awesome. No. But I was asking about the income protection. When I I'll just go ahead. How does that work then? Because you do I get a lump sum? Do I get a weekly or how does that how does that work? Like, can it yeah. The email search, and how does that work? If it does get approved, will it come into as a lump sum, or will it? Yeah. Yes. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. You know, I've got luckily, I my last job, I've never done that. And my investment probably, I guess, money from that as well. But yeah. Yeah. It's kinda alright. But, yeah, I'd rather not be not be chilling some more redundancy money. Yeah. Yeah. Yeah. I only just I mean, just went to the the medical center on Wednesday to have a check on the Yeah. I was just through the public system and all of them. Yeah. Definitely. Yeah. It's cold weather. Thank you. Yeah. No. Thank you. Yeah. Yeah. 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I was asking about the income protection.","start":824.195,"end":828.775,"sentiment":"neutral","sentiment_score":0.007236481178551912},{"text":"When I I'll just go ahead.","start":830.115,"end":832.055,"sentiment":"neutral","sentiment_score":0.028561809721092384},{"text":"How does that work then?","start":832.275,"end":833.58,"sentiment":"neutral","sentiment_score":0.0330897506326437}],"sentiment":"neutral","sentiment_score":0.055181008497519154,"num_words":21,"start":816.98,"end":833.58},{"sentences":[{"text":"Because you do I get a lump sum?","start":833.66003,"end":835.5,"sentiment":"neutral","sentiment_score":0.016711323522031307},{"text":"Do I get a weekly or how does that how does that work?","start":835.5,"end":840.8,"sentiment":"neutral","sentiment_score":0.02018762895694146},{"text":"Like, can it yeah.","start":841.42004,"end":842.96,"sentiment":"neutral","sentiment_score":0.03167444933205843},{"text":"The email search, and how does that work?","start":843.34,"end":845.18,"sentiment":"neutral","sentiment_score":0.023958945646882057},{"text":"If it does get approved, will it come into as a lump sum, or will it?","start":845.18,"end":850.53503,"sentiment":"neutral","sentiment_score":0.019256994855822995}],"sentiment":"neutral","sentiment_score":0.02086961315944791,"num_words":49,"start":833.66003,"end":850.53503},{"sentences":[{"text":"Yeah.","start":852.91504,"end":853.41504,"sentiment":"neutral","sentiment_score":-0.013452078215777874},{"text":"Yes.","start":879.955,"end":880.455,"sentiment":"neutral","sentiment_score":0.06746608763933182},{"text":"Yeah.","start":940.28503,"end":940.78503,"sentiment":"neutral","sentiment_score":-0.07597261667251587},{"text":"Yeah.","start":943.805,"end":944.305,"sentiment":"neutral","sentiment_score":-0.026072345674037933},{"text":"Yeah.","start":944.96497,"end":945.46497,"sentiment":"neutral","sentiment_score":-0.0008743219077587128}],"sentiment":"neutral","sentiment_score":-0.009781054966151715,"num_words":5,"start":852.91504,"end":945.46497},{"sentences":[{"text":"Yeah.","start":946.125,"end":946.625,"sentiment":"neutral","sentiment_score":-0.009378951974213123},{"text":"Yeah.","start":947.005,"end":947.245,"sentiment":"neutral","sentiment_score":-0.005346557125449181},{"text":"Yeah.","start":947.245,"end":947.405,"sentiment":"neutral","sentiment_score":-0.009025659412145616},{"text":"You know, I've got luckily, I my last job, I've never done that.","start":947.405,"end":951.5,"sentiment":"neutral","sentiment_score":-0.014525949811706176},{"text":"And my investment probably, I guess, money from that as well.","start":955.8,"end":959.24,"sentiment":"neutral","sentiment_score":-0.015550200234759937}],"sentiment":"neutral","sentiment_score":-0.01420891550542028,"num_words":27,"start":946.125,"end":959.24},{"sentences":[{"text":"But yeah.","start":959.24,"end":959.98,"sentiment":"neutral","sentiment_score":-0.024258385412395},{"text":"Yeah.","start":960.52,"end":960.84,"sentiment":"neutral","sentiment_score":-0.024136897176504135},{"text":"It's kinda alright.","start":960.84,"end":961.8,"sentiment":"neutral","sentiment_score":-0.03205951520552238},{"text":"But, yeah, I'd rather not be not be chilling some more redundancy money.","start":961.8,"end":965.42,"sentiment":"neutral","sentiment_score":-0.1320451466509929},{"text":"Yeah.","start":1030.71,"end":1031.21,"sentiment":"neutral","sentiment_score":-0.00735549908131361}],"sentiment":"neutral","sentiment_score":-0.09463873095810413,"num_words":20,"start":959.24,"end":1031.21},{"sentences":[{"text":"Yeah.","start":1054.7649,"end":1055.245,"sentiment":"neutral","sentiment_score":0.03615288436412811},{"text":"Yeah.","start":1055.245,"end":1055.6449,"sentiment":"neutral","sentiment_score":0.07848609238862991},{"text":"I only just I mean, just went to the the medical center on Wednesday to have a check on the Yeah.","start":1055.6449,"end":1074.675,"sentiment":"neutral","sentiment_score":0.058343179523944855},{"text":"I was just through the public system and all of them.","start":1074.675,"end":1077.175,"sentiment":"neutral","sentiment_score":0.2371913722970269},{"text":"Yeah.","start":1091.3099,"end":1091.5499,"sentiment":"positive","sentiment_score":0.5016039609909058}],"sentiment":"neutral","sentiment_score":0.1271587086575372,"num_words":35,"start":1054.7649,"end":1091.5499},{"sentences":[{"text":"Definitely.","start":1091.5499,"end":1092.0499,"sentiment":"positive","sentiment_score":0.5716314315795898},{"text":"Yeah.","start":1185.0851,"end":1185.3251,"sentiment":"neutral","sentiment_score":0.05944502726197243},{"text":"It's cold weather.","start":1185.3251,"end":1186.2051,"sentiment":"neutral","sentiment_score":0.044587078193823494},{"text":"Thank you.","start":1186.2051,"end":1186.9451,"sentiment":"neutral","sentiment_score":0.3086441457271576},{"text":"Yeah.","start":1202.7999,"end":1203.12,"sentiment":"neutral","sentiment_score":0.09190702438354492}],"sentiment":"neutral","sentiment_score":0.1842541261576116,"num_words":8,"start":1091.5499,"end":1203.12},{"sentences":[{"text":"No.","start":1203.12,"end":1203.44,"sentiment":"neutral","sentiment_score":-0.0550595223903656},{"text":"Thank you.","start":1203.44,"end":1204.1799,"sentiment":"positive","sentiment_score":0.4952705204486847},{"text":"Yeah.","start":1205.76,"end":1205.9199,"sentiment":"neutral","sentiment_score":0.32262223958969116},{"text":"Yeah.","start":1205.9199,"end":1206.16,"sentiment":"neutral","sentiment_score":0.2585144639015198},{"text":"Bye.","start":1206.16,"end":1206.66,"sentiment":"neutral","sentiment_score":0.21057777106761932}],"sentiment":"neutral","sentiment_score":0.2878659988443057,"num_words":6,"start":1203.12,"end":1206.66}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Scott. Larissa from OC Financial. How are you going?\n\nChannel 1: Yeah. Good. Thank you.\n\nChannel 0: That's good. Have I got you in an okay time now?\n\nChannel 1: Yeah. I do. Can you hear me okay?\n\nChannel 0: I can. I'm assuming we're driving and we're hands free by the sounds of things.\n\nChannel 1: Yes. Yes.\n\nChannel 0: Perfect. No. I love. Alright. Well, before I jump into it, I do need to let you know that our calls are recorded.\n\nAnd if I could get you some security for me, it's full name, date of birth, and address.\n\nChannel 1: Yep. First first twelve eighty nine. One six two Avenue.\n\nChannel 0: What was that address? Sorry?\n\nChannel 1: 162 Avenue.\n\nChannel 0: Perfect. Nope. We just just cut out, and I just had no idea. Perfect. Alright.\n\nSorry. As I was explaining this morning, the whole point of the call today is to go through and have the recommendation Veronica was making. So Veronica's put the whole plan together. It's just, obviously, she's sick and we didn't wanna wanna delay anything. So I've taken the call to be able to get that through to you.\n\nNow with respect to what we're wanting to do, is we go ahead and get the update to the investment. So the the whole scope of the advice is really limited to your superannuation and where the investment currently fits. Now\n\nChannel 1: Is this breaking up a little bit?\n\nChannel 0: Oh, I'm so sorry. Is that a bit better?\n\nChannel 1: Yeah. That's taste better. You're just in and out. Yeah.\n\nChannel 0: That's okay. Just\n\nChannel 1: Yeah. That's\n\nChannel 0: having\n\nChannel 1: taste better.\n\nChannel 0: an\n\nChannel 1: I\n\nChannel 0: Perfect.\n\nChannel 1: thought it was my side.\n\nChannel 0: No. That's okay. So yeah. So as I was saying, the the the point of the the point of the advice is to go through and do a bit of an update to your superannuation investments. Veronica put everything together.\n\nShe's just ill today, and I've taken over some of her bookings. Now the goals that you had put together was that you were really wanting to, like, grow your superannuation as much as possible and just sort of aim towards, I guess, a bit of a better investment outcome with where the investment fits. So this the scope of the advice does very much does very much revolve around your superannuation investments. Now when when Veronica was putting the plan together, you were off work with with a time frame of, like, eight to twelve weeks off work. Mhmm.\n\nChannel 1: Yes.\n\nChannel 0: And I I know that we're looking at going and doing an income protection claim as well. Can I ask how is how is everything going on that front?\n\nChannel 1: Yeah. I've just submitted paperwork.\n\nChannel 0: Yep. Perfect. Perfect. I I can I can see on on file that that Caden got the the documents all in, and I\n\nChannel 1: Yeah.\n\nChannel 0: assume that from a claims perspective, because I'm actually I deal with majority of the claims?\n\nChannel 1: Okay.\n\nChannel 0: I probably have an email sitting in my inbox waiting for me to just check them over as well.\n\nChannel 1: Yeah. Well, I went to the doctor. I don't know if you do know about it. I went to yesterday to check out to see how it's all going. I'm in operation, so that's fantastic.\n\nChannel 0: Yep.\n\nChannel 1: I just got\n\nChannel 0: Good.\n\nChannel 1: a new you know, actually, to do so, like, you know, I\n\nChannel 0: And what's what's the time frame what's the time frame that you are looking at having off? Okay. So still eight to twelve weeks. Yeah. With your job, you you could either do nothing or or all of it.\n\nYeah. No. That's that's that's okay. Alright. Well, yeah, the the claim the claim will get submitted today because, yeah, Caden got all received all the documents yesterday.\n\nAnd I lied. He submitted them to he submitted them to one part yesterday. I apologize. I have the email confirmation that was submitted. I generally have a look over the documents myself, so I'll probably have a look over them after we get off the phone just to make sure that there wasn't anything missing or anything\n\nChannel 1: Yeah.\n\nChannel 0: that would delay the claim. It's generally sort of a check that I do just to just to make sure that everything runs smoothly rather than it going to the insurer coming back and being, you know, back and forwards. So I'll have a look over that. If there is anything, I'll send you an email. But if Cadence haven't had a look over it, we're probably pretty good.\n\nSo, anyway, the advice the advice does, I guess, center a lot around our our our superannuation and the investment. So your risk profile is a is of a high growth investor. So that's someone who would basically be happy to take on a bit of fluctuation in the market, someone that is you know, has a decent long term time frame before retirement, which you do. You're sitting in your mid thirties. So we've got plenty of time to be able to weather any of those cyclical investment storms that we do go through.\n\nSo the main changes to the investment strategy are to basically decrease some of the higher cost assets. So, like, your rental long asset that it it is a bit of a higher cost portfolio structure and and remove some of those, I guess, assets that aren't quite pulling their weight in the volatile market and swap them in for assets that that cost a little bit less and have that that better volatility cushion to them, still keeping to, obviously, a a variance that's gonna allow you to, you know, be invested in the market and have a good return, but just sort of remove some of that uncertainty where the market is, you know, where it's currently sitting and has has that better sort of historical performance outcome. So, overall, you we're gonna we're going to be decreasing, I guess, the investment fee by about $470 per annum. So there's gonna be, like, a $470 savings with the the the superannuation investment fee, which is good because that means that stays within your fund. And then because we're swapping out some of the assets, historically, the fund is actually the new portfolio has performed at about 2.8% better.\n\nSo we've got, you know, a couple percent sitting there that we're gonna be able to to get better income coming into your funds. So the growth, the dividends being paid, stuff like that. So it's a nice and easy one. It it does give you a bit of a a quite a quite a good boost over a ten year ten year, you know, projection, where if we stay where you're at, we're looking at sort of in ten years about 620,000. We'll be looking more along the $800,000 mark in ten years' time.\n\nNow, obviously, there's always factors that, you know, result in that number changing, extended periods of time of work. So eight to twelve weeks is not what I would call an extended period of time of work. But\n\nChannel 1: Okay.\n\nChannel 0: if we're looking at anything longer where, you know, no contributions are going in or, you know, anything causes causes a massive financial variance for you, then, you know, that that outcome can obviously change. But, again, it's always it's never a set to get strategy. We always look to update it and make sure that everything moves along nicely with with the the portfolio yearly. That's why we do the annual reviews to make sure that if anything changes for you, you know, we can we can make sure that that'll happen. Your next review is not due until, yeah, February year.\n\nBut, of course, because you're going through a claim at the moment, we will definitely be in contact with you a little bit more than frequent. But but, yeah, that's that's just gonna give you, you know, a little bit better of an outcome with with respect to the investment side of things on your superannuation. Still there?\n\nChannel 1: Yep.\n\nChannel 0: Oh, no. You're okay. I'm not gonna lie. It it's a bit of a noisy drive, but that's okay. No.\n\nYou are so fine. I'm it's okay. I've I've honestly joined Truckies for, like, long haul drives before, so it's not an issue. It's always fun to, you know, have the UHF radio going on the background.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Now with, I guess, with with the the the superannuation investments, I have sent you, like, the statement of advice, that's what it's called, that allows you to sign off and authorize the the implementation of the change. I can't make the change until you authorize it. Once you do authorize it, I will be able to place a trade to get everything happening for you. I I as soon as you sign that, I'll basically I'll I'll basically get that implemented.\n\nIt will take sort of about a week to two for some of the assets to sell down, specifically like that Bennelong portfolio, just because it is it has a lot of underlying assets, so it does take a little bit to sell down. But that's not gonna delay any of the other assets buying in. It'll it'll happen pretty organically really quickly, and that'll see us have a really good turnaround. The portfolio overall like, I know Veronica's kinda gone through this with you, but the portfolio overall has still done pretty well. You've had some good assets holding it up, but just a little bit of a tweak to to the portfolio is gonna just give us a better long term outcome at the moment with where the market's at.\n\nSo,\n\nChannel 1: Yeah.\n\nChannel 0: realistically, I think what we're doing is we're selling we're moving out completely out of six of your assets that you currently hold. You hold nine, like, across your current portfolio. You have nine different asset holdings. Anything, you know, from, yeah, your Australian equities to you have a lithium and tech stock. You have, you know, bank hybrid, stuff like that.\n\nSo we're selling out of six of them completely, and we're moving into, like, six five five five other new ones. So you'll move from basically having nine to having eight. Mhmm. But the other three that you already hold, we're just gonna sort of reweight those to make sure that they're sort of in line because they're a little bit out. Nothing too crazy, but just sort of shift those to pull them back into sort of a risk profile allocation that works the way you're currently at and where the market's sitting as well.\n\nSo I've sent yeah. Yeah. No. So this is this is this is in no way set and forget. So if, you know, market doesn't improve or if things go really haywire, we'll be on the phone to have a chat to you.\n\nRealistically, we we don't wanna be placing trades all the time. We don't wanna be, you know, we don't wanna be making knee jerk reactions. We're aware that the market's volatile. We're aware that we're going through a lot of, I guess, craziness at the moment. Trump's, you know, throwing us for a for a wild ride, and and that that's okay.\n\nLike, you are 36. I I'm in the same age bracket as yourself.\n\nChannel 1: Yeah.\n\nChannel 0: And, realistically, right now, the contributions that are going in, if the market goes for a drop, you buy assets for a cheaper price. So it it sits it sits pretty pretty okay overall.\n\nChannel 1: Yeah.\n\nChannel 0: So, you know, having having little dips in the market isn't anything to be concerned about. Even if we would have like, history shows us, even if we have a prolonged market drop, all that we're doing is buying in at a lower rate. The market will bounce back up. Yeah. Buy the dip.\n\nThat's it. Well, that's not what we're doing. We don't wanna do that. So I've sent that document to you. It's pretty straightforward even though it is still quite a number of pages painfully.\n\nWe have to have all of our disclosures and stuff like that in it. It it's it's really straightforward with what it's actually detailing. Just it's basically just a straight investment swap. It's good. It outlines the new investments so that way you can have a look through them.\n\nAnd then yeah, as I said, once you sign that, I'll get that implemented for you.\n\nChannel 1: Yeah. Cool. Awesome.\n\nChannel 0: Cool. Amazing. Were there any questions you might have had on any of the specific assets that I've rec we've recommended? Or\n\nChannel 1: No. But I was asking about the income protection.\n\nChannel 0: Yes. Yep.\n\nChannel 1: When I I'll just go ahead. How does\n\nChannel 0: Yeah.\n\nChannel 1: that work then? Because you do I get a lump sum? Do I get a weekly or how does that\n\nChannel 0: So\n\nChannel 1: how does that work?\n\nChannel 0: in Comfort?\n\nChannel 1: Like, can it yeah.\n\nChannel 0: Yeah.\n\nChannel 1: The email search, and how does that work? If it does get approved, will it come into as a lump sum,\n\nChannel 0: It's\n\nChannel 1: or will\n\nChannel 0: monthly\n\nChannel 1: it?\n\nChannel 0: it's monthly payments. Unless\n\nChannel 1: Yeah.\n\nChannel 0: unless it takes an extended period of time for the claim to go through, which I don't think it's going through, your your claim's pretty straightforward. Like, you fell off a bike. Silly, silly boy. Yeah. So it's it's it's gonna be pretty straightforward with regards to the claim.\n\nThe claims assessor still has to do their due diligence, obviously, but you have a thirty day waiting period. So you have\n\nChannel 1: Yes.\n\nChannel 0: to serve out your thirty day waiting period. Once your thirty day waiting period is served out, then you will start receiving a benefit. OnePath is really good for that. They actually pay midmonth rather than paying at the end of the month like most insurers. So most insurers, if you're with others, what you would see is you wouldn't see any funds until sixty days post leaving work.\n\nWhereas with one pass, they actually pay at day fifteen, like or day forty five, I guess you could call it. So can I confirm? Because I haven't looked through your your your claim documents, so I'm not a thousand percent familiar. What when was the last day you did work? Accident happened.\n\nMarch 30. Okay. So we're we're halfway through our month so far. So we're basically we're we're we're four weeks away or a\n\nChannel 1: Yeah.\n\nChannel 0: month away from being able to receive any funds. Are\n\nChannel 1: Yeah.\n\nChannel 0: you going okay\n\nChannel 1: Yeah.\n\nChannel 0: with with\n\nChannel 1: Yeah.\n\nChannel 0: yeah.\n\nChannel 1: Yeah. Yeah. You know, I've got luckily, I my last job, I've never done that.\n\nChannel 0: Yeah.\n\nChannel 1: And my investment probably, I guess, money from that as well. But yeah. Yeah. It's kinda alright. But, yeah, I'd rather\n\nChannel 0: Yeah.\n\nChannel 1: not be not be chilling some more redundancy money.\n\nChannel 0: Yeah. Definitely not. No. That's okay. Alright.\n\nSo so what what what will happen is, basically, the insurer will pay you for the full month. If if, basically, it's a pretty open and closed case, I. E. The doctors has turned around in your in your documents and stated that you will be set for work for like, by x date, then the insurer can actually make the decision to just pay out the entire time period. So they, you know, they may just pay out, like, the the full six weeks.\n\nOr they may pay out a month, and then at the time that you go back to work, they'll just ask you for a confirmation that you've returned to work, and they'll pay out a partial month payment after that. It just depends on what your doctor's disclosed, how your recovery is going, so on and so forth. If your doctor said eight to twelve weeks, more than likely, the insurer is just gonna pay you month to month until you return to work. Yeah. Just because the the return date's uncertain.\n\nChannel 1: Yeah.\n\nChannel 0: Yes. Yeah. So, yeah, so you're you're working with with a a physio to try and get things moving\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: faster.\n\nChannel 1: I only just I mean, just went to the the medical center on Wednesday to have a check on\n\nChannel 0: Yep.\n\nChannel 1: the\n\nChannel 0: Yep. Good. Alright. Cool. That's good.\n\nOkay. So the doctor has an internal physio. I love that. Perfect.\n\nChannel 1: Yeah. I was just through the public system\n\nChannel 0: Oh,\n\nChannel 1: and all of them.\n\nChannel 0: I love. Yeah. Alright. Perfect. No.\n\nThat's good. So that that gives you a a a solid direction forward, and it means that you're you're working on your recovery, which is good.\n\nChannel 1: Yeah. Definitely.\n\nChannel 0: You wanna get back to work. So it's it's just a matter of, yeah, just waiting out that time period, obviously, making sure that you're recovering properly, not rushing it. And once once the doctor certifies that you're good to go back to work, yeah, you can go back to work. And one one pass will just pay out a partial payment or whatever's sort of due on that. But I'll generally, I try and give it a week before I start chasing up your claims assessors.\n\nSo it'll it'll be sort of this time next week that I get in touch with one pass from a claims assessment point of view, let them take a week to kind of look over the claim and go from there. They they generally have, like, a two to three day turnaround before they assign a claims assessor to you. You'll don't be surprised. Your claims assessor will reach out to you. But but I'll I'll give them a call, introduce myself from a claims point of view, and make sure that I keep on top of everything so that way I can sort of help to manage everything and make sure that everything goes smoothly for you.\n\nThat's what I that's what we're here for. Oh, perfect. Well, you have a document sitting in your inbox ready for you to sign. And then outside of that, I'll touch base with you in, like, basically a week, maybe a week and a half after I have a chance to speak to that, whomever your claims assessor may or may not be. And I'll I'll touch base with you then to to just have a chat and, you know, give you an update on where the claim fits.\n\nChannel 1: Yeah. It's cold weather. Thank you.\n\nChannel 0: No. Absolutely. Well, everything's all good. I hope you continue are you driving? I didn't think you could drive anyway, drive home safe.\n\nAnd I've no. That's okay. Well, drive safe, and I'll I'll speak to you in a week or so.\n\nChannel 1: Yeah. No. Thank you.\n\nChannel 0: Not a problem. Thanks, Scott. Have\n\nChannel 1: Yeah.\n\nChannel 0: a good\n\nChannel 1: Yeah.\n\nChannel 0: one.\n\nChannel 1: Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.1999999,"end":1.6999999,"sentiment":"neutral","sentiment_score":0.03195631876587868}],"sentiment":"neutral","sentiment_score":0.03195631876587868,"channel":1,"num_words":1,"start":1.1999999,"end":1.6999999},{"sentences":[{"text":"Hi, Scott.","start":2.56,"end":3.52,"sentiment":"neutral","sentiment_score":0.14908652007579803},{"text":"Larissa from OC Financial.","start":3.52,"end":5.04,"sentiment":"neutral","sentiment_score":0.15647174790501595},{"text":"How are you going?","start":5.04,"end":5.94,"sentiment":"neutral","sentiment_score":0.18393175303936005}],"sentiment":"neutral","sentiment_score":0.16597870439291001,"channel":0,"num_words":10,"start":2.56,"end":5.94},{"sentences":[{"text":"Yeah.","start":6.08,"end":6.48,"sentiment":"neutral","sentiment_score":0.33262503147125244},{"text":"Good.","start":6.48,"end":6.72,"sentiment":"positive","sentiment_score":0.6215766668319702},{"text":"Thank you.","start":6.72,"end":7.54,"sentiment":"positive","sentiment_score":0.7074727118015289}],"sentiment":"positive","sentiment_score":0.5922867804765701,"channel":1,"num_words":4,"start":6.08,"end":7.54},{"sentences":[{"text":"That's good.","start":7.7599998,"end":8.4,"sentiment":"positive","sentiment_score":0.6466436088085175},{"text":"Have I got you in an okay time 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nine.","start":29.54,"end":32.84,"sentiment":"neutral","sentiment_score":0.009167923778295516},{"text":"One six two Avenue.","start":33.38,"end":34.52,"sentiment":"neutral","sentiment_score":0.0041651633800938725}],"sentiment":"neutral","sentiment_score":0.007716943649575115,"channel":1,"num_words":10,"start":28.5,"end":34.52},{"sentences":[{"text":"What was that address?","start":37.27,"end":38.47,"sentiment":"neutral","sentiment_score":-0.000226507312618196},{"text":"Sorry?","start":38.47,"end":38.97,"sentiment":"neutral","sentiment_score":-0.013287942856550217}],"sentiment":"neutral","sentiment_score":-0.0028387944214046,"channel":0,"num_words":5,"start":37.27,"end":38.97},{"sentences":[{"text":"162 Avenue.","start":39.46,"end":40.760002,"sentiment":"neutral","sentiment_score":0.002141289529390633}],"sentiment":"neutral","sentiment_score":0.002141289529390633,"channel":1,"num_words":2,"start":39.46,"end":40.760002},{"sentences":[{"text":"Perfect.","start":41.365,"end":41.845,"sentiment":"neutral","sentiment_score":0.09176995605230331},{"text":"Nope.","start":41.845,"end":42.085,"sentiment":"neutral","sentiment_score":-0.25545239448547363},{"text":"We just just cut out, and I just had no idea.","start":42.085,"end":45.465,"sentiment":"negative","sentiment_score":-0.36871053955771704},{"text":"Perfect.","start":47.605,"end":48.085,"sentiment":"neutral","sentiment_score":0.15615800023078918},{"text":"Alright.","start":48.085,"end":48.405,"sentiment":"neutral","sentiment_score":0.011297214776277542}],"sentiment":"neutral","sentiment_score":-0.2701362105707327,"channel":0,"num_words":15,"start":41.365,"end":48.405},{"sentences":[{"text":"Sorry.","start":48.405,"end":48.905,"sentiment":"neutral","sentiment_score":-0.0799582451581955},{"text":"As I was explaining this morning, the whole point of the call today is to go through and have the recommendation Veronica was making.","start":49.765,"end":61.269997,"sentiment":"neutral","sentiment_score":-0.0072591301674644155},{"text":"So Veronica's put the whole plan together.","start":61.329998,"end":63.35,"sentiment":"neutral","sentiment_score":0.028793055031980788},{"text":"It's just, obviously, she's sick and we didn't wanna wanna delay anything.","start":63.89,"end":69.295,"sentiment":"neutral","sentiment_score":-0.1737312152981758},{"text":"So I've taken the call to be able to get that through to you.","start":69.295,"end":74.035,"sentiment":"neutral","sentiment_score":0.056195496182356565}],"sentiment":"neutral","sentiment_score":-0.023287303809975755,"channel":0,"num_words":58,"start":48.405,"end":74.035},{"sentences":[{"text":"Now with respect to what we're wanting to do, is we go ahead and get the update to the investment.","start":76.015,"end":92.745,"sentiment":"neutral","sentiment_score":0.007153561804443598},{"text":"So the the whole scope of the advice is really limited to your superannuation and where the investment currently fits.","start":92.885,"end":99.705,"sentiment":"neutral","sentiment_score":-0.0586362125352025},{"text":"Now","start":100.085,"end":100.405,"sentiment":"neutral","sentiment_score":-0.06241166591644287}],"sentiment":"neutral","sentiment_score":-0.02663572391540539,"channel":0,"num_words":41,"start":76.015,"end":100.405},{"sentences":[{"text":"Is this breaking up a little bit?","start":100.55499,"end":102.575,"sentiment":"neutral","sentiment_score":-0.10776721898998533}],"sentiment":"neutral","sentiment_score":-0.10776721898998533,"channel":1,"num_words":7,"start":100.55499,"end":102.575},{"sentences":[{"text":"Oh, I'm so sorry.","start":102.74,"end":103.7,"sentiment":"neutral","sentiment_score":-0.09025268815457821},{"text":"Is that a bit 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side.","start":112.23499,"end":113.454994,"sentiment":"neutral","sentiment_score":0.05269422233104706}],"sentiment":"neutral","sentiment_score":0.05269422233104706,"channel":1,"num_words":5,"start":112.23499,"end":113.454994},{"sentences":[{"text":"No.","start":115.525,"end":115.765,"sentiment":"neutral","sentiment_score":-0.11885199695825575},{"text":"That's okay.","start":115.765,"end":116.745,"sentiment":"neutral","sentiment_score":-0.06103506684303284},{"text":"So yeah.","start":117.525,"end":117.925,"sentiment":"neutral","sentiment_score":-0.02641964703798294},{"text":"So as I was saying, the the the point of the the point of the advice is to go through and do a bit of an update to your superannuation investments.","start":117.925,"end":126.185,"sentiment":"neutral","sentiment_score":-0.02129530173636252},{"text":"Veronica put everything 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and I","start":194.7,"end":200.715,"sentiment":"neutral","sentiment_score":0.1648717511445284}],"sentiment":"neutral","sentiment_score":0.18751847970744837,"channel":0,"num_words":23,"start":182.355,"end":200.715},{"sentences":[{"text":"Yeah.","start":200.58,"end":201.08,"sentiment":"neutral","sentiment_score":0.0396355465054512}],"sentiment":"neutral","sentiment_score":0.0396355465054512,"channel":1,"num_words":1,"start":200.58,"end":201.08},{"sentences":[{"text":"assume that from a claims perspective, because I'm actually I deal with majority of the 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off?","start":238.51999,"end":245.9,"sentiment":"neutral","sentiment_score":0.022508670192431},{"text":"Okay.","start":249.0,"end":249.31999,"sentiment":"neutral","sentiment_score":0.00012738723307847977},{"text":"So still eight to twelve weeks.","start":249.31999,"end":250.86,"sentiment":"neutral","sentiment_score":-0.006308458124597867},{"text":"Yeah.","start":259.815,"end":260.135,"sentiment":"neutral","sentiment_score":0.003220757469534874},{"text":"With your job, you you could either do nothing or or all of it.","start":260.135,"end":263.355,"sentiment":"neutral","sentiment_score":-0.027217609009572437}],"sentiment":"neutral","sentiment_score":-0.0008436342796836146,"channel":0,"num_words":39,"start":238.51999,"end":263.355},{"sentences":[{"text":"Yeah.","start":267.19,"end":267.69,"sentiment":"neutral","sentiment_score":0.00022496096789836884},{"text":"No.","start":269.51,"end":269.83002,"sentiment":"neutral","sentiment_score":-0.06426964700222015},{"text":"That's that's that's okay.","start":269.83002,"end":272.71,"sentiment":"neutral","sentiment_score":-0.031023306772112846},{"text":"Alright.","start":272.71,"end":273.21,"sentiment":"neutral","sentiment_score":0.04138846695423126},{"text":"Well, yeah, the the claim the claim will get submitted today because, yeah, Caden got all received all the documents yesterday.","start":273.59,"end":279.53,"sentiment":"neutral","sentiment_score":-0.01718202109138171}],"sentiment":"neutral","sentiment_score":-0.01812756746741278,"channel":0,"num_words":28,"start":267.19,"end":279.53},{"sentences":[{"text":"And I lied.","start":281.695,"end":282.095,"sentiment":"neutral","sentiment_score":-0.2183895856142044},{"text":"He submitted them to he submitted them to one part yesterday.","start":282.095,"end":284.33502,"sentiment":"neutral","sentiment_score":-0.08532765914093364},{"text":"I apologize.","start":284.33502,"end":284.915,"sentiment":"neutral","sentiment_score":-0.11606792733073235},{"text":"I have the email 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that everything runs smoothly rather than it going to the insurer coming back and being, you know, back and forwards.","start":299.0,"end":307.1,"sentiment":"neutral","sentiment_score":0.27295062435524803},{"text":"So I'll have a look over that.","start":308.76498,"end":309.88498,"sentiment":"neutral","sentiment_score":0.19780166021415166},{"text":"If there is anything, I'll send you an email.","start":309.88498,"end":311.905,"sentiment":"neutral","sentiment_score":0.13295271827114952},{"text":"But if Cadence haven't had a look over it, we're probably pretty good.","start":312.525,"end":315.66498,"sentiment":"positive","sentiment_score":0.42459409397382003}],"sentiment":"neutral","sentiment_score":0.23280034127874652,"channel":0,"num_words":69,"start":297.16,"end":315.66498},{"sentences":[{"text":"So, anyway, the advice the advice does, I guess, center a lot around our our our superannuation and the investment.","start":317.805,"end":327.99,"sentiment":"neutral","sentiment_score":0.2564488649368286},{"text":"So your risk profile is a is of a high growth investor.","start":328.21,"end":332.39,"sentiment":"neutral","sentiment_score":0.2561894493798415},{"text":"So that's someone who would basically be happy to take on a bit of fluctuation in the market, someone that is you know, has a decent long term time frame before retirement, which you do.","start":332.45,"end":344.64502,"sentiment":"positive","sentiment_score":0.36723233418805257},{"text":"You're sitting in your mid thirties.","start":344.64502,"end":346.185,"sentiment":"neutral","sentiment_score":0.2740414043267568},{"text":"So we've got plenty of time to be able to weather any of those cyclical investment storms that we do go through.","start":346.325,"end":352.74,"sentiment":"neutral","sentiment_score":0.2456972680308602}],"sentiment":"neutral","sentiment_score":0.29585232326858923,"channel":0,"num_words":95,"start":317.805,"end":352.74},{"sentences":[{"text":"So the main changes to the investment strategy are to basically decrease some of the higher cost assets.","start":354.08002,"end":363.78,"sentiment":"neutral","sentiment_score":0.05761777899331517},{"text":"So, like, your rental long asset that it it is a bit of a higher cost portfolio structure and and remove some of those, I guess, assets that aren't quite pulling their weight in the volatile market and swap them in for assets that that cost a little bit less and have that that better volatility cushion to them, still keeping to, obviously, a a variance that's gonna allow you to, you know, be invested in the market and have a good return, but just sort of remove some of that uncertainty where the market is, you know, where it's currently sitting and has has that better sort of historical performance outcome.","start":364.295,"end":405.365,"sentiment":"neutral","sentiment_score":0.13452413422055542},{"text":"So, overall, you we're gonna we're going to be decreasing, I guess, the investment fee by about $470 per annum.","start":406.98,"end":418.44,"sentiment":"neutral","sentiment_score":0.30651054829359053},{"text":"So there's gonna be, like, a $470 savings with the the the superannuation investment fee, which is good because that means that stays within your fund.","start":418.5,"end":427.47498,"sentiment":"positive","sentiment_score":0.5121204199699255},{"text":"And then because we're swapping out some of the assets, historically, the fund is actually the new portfolio has performed at about 2.8% better.","start":428.095,"end":436.59497,"sentiment":"positive","sentiment_score":0.3874373957514763}],"sentiment":"neutral","sentiment_score":0.22423831218853593,"channel":0,"num_words":200,"start":354.08002,"end":436.59497},{"sentences":[{"text":"So we've got, you know, a couple percent sitting there that we're gonna be able to to get better income coming into your funds.","start":436.77,"end":444.69,"sentiment":"positive","sentiment_score":0.5588276088237762},{"text":"So the growth, the dividends being paid, stuff like that.","start":444.69,"end":447.75,"sentiment":"positive","sentiment_score":0.6360101461410522},{"text":"So it's a nice and easy one.","start":448.865,"end":450.465,"sentiment":"positive","sentiment_score":0.8776075499398368},{"text":"It it does give you a bit of a a quite a quite a good boost over a ten year ten year, you know, projection, where if we stay where you're at, we're looking at sort of in ten years about 620,000.","start":450.465,"end":462.645,"sentiment":"positive","sentiment_score":0.5843970516607875},{"text":"We'll be looking more along the $800,000 mark in ten years' time.","start":462.72,"end":466.72,"sentiment":"neutral","sentiment_score":0.2627782002091408}],"sentiment":"positive","sentiment_score":0.564349805210766,"channel":0,"num_words":95,"start":436.77,"end":466.72},{"sentences":[{"text":"Now, obviously, there's always factors that, you know, result in that number changing, extended periods of time of work.","start":466.72,"end":472.24,"sentiment":"neutral","sentiment_score":-0.07043311431219704},{"text":"So eight to twelve weeks is not what I would call an extended period of time of work.","start":472.24,"end":476.32,"sentiment":"neutral","sentiment_score":-0.08039518818259239},{"text":"But","start":476.32,"end":476.48,"sentiment":"neutral","sentiment_score":-0.021002866327762604}],"sentiment":"neutral","sentiment_score":-0.07385119540910971,"channel":0,"num_words":38,"start":466.72,"end":476.48},{"sentences":[{"text":"Okay.","start":476.325,"end":476.825,"sentiment":"neutral","sentiment_score":-0.017884382978081703}],"sentiment":"neutral","sentiment_score":-0.017884382978081703,"channel":1,"num_words":1,"start":476.325,"end":476.825},{"sentences":[{"text":"if we're looking at anything longer where, you know, no contributions are going in or, you know, anything causes causes a massive financial variance for you, then, you know, that that outcome can obviously change.","start":476.48,"end":489.75497,"sentiment":"neutral","sentiment_score":-0.10216960805867399},{"text":"But, again, it's always it's never a set to get strategy.","start":490.13498,"end":492.94,"sentiment":"neutral","sentiment_score":-0.02382596785371954},{"text":"We always look to update it and make sure that everything moves along nicely with with the the portfolio yearly.","start":492.94,"end":499.9,"sentiment":"neutral","sentiment_score":0.21056475006043912},{"text":"That's why we do the annual reviews to make sure that if anything changes for you, you know, we can we can make sure that that'll happen.","start":499.9,"end":506.4,"sentiment":"neutral","sentiment_score":0.16986031002468532},{"text":"Your next review is not due until, yeah, February year.","start":506.54,"end":511.015,"sentiment":"neutral","sentiment_score":0.017588049918413163}],"sentiment":"neutral","sentiment_score":0.049858077112766144,"channel":0,"num_words":103,"start":476.48,"end":511.015},{"sentences":[{"text":"But, of course, because you're going through a claim at the moment, we will definitely be in contact with you a little bit more than frequent.","start":511.315,"end":517.655,"sentiment":"neutral","sentiment_score":0.053117084388549514},{"text":"But but, yeah, that's that's just gonna give you, you know, a little bit better of an outcome with with respect to the investment side of things on your superannuation.","start":519.155,"end":528.55,"sentiment":"neutral","sentiment_score":0.23025314882397652},{"text":"Still there?","start":535.34503,"end":536.16504,"sentiment":"neutral","sentiment_score":0.048478055745363235}],"sentiment":"neutral","sentiment_score":0.14457922017779842,"channel":0,"num_words":58,"start":511.315,"end":536.16504},{"sentences":[{"text":"Yep.","start":536.545,"end":537.045,"sentiment":"neutral","sentiment_score":0.08693236112594604}],"sentiment":"neutral","sentiment_score":0.08693236112594604,"channel":1,"num_words":1,"start":536.545,"end":537.045},{"sentences":[{"text":"Oh, no.","start":537.34503,"end":539.825,"sentiment":"neutral","sentiment_score":0.00029199011623859406},{"text":"You're okay.","start":539.825,"end":540.885,"sentiment":"neutral","sentiment_score":0.002118470147252083},{"text":"I'm not gonna lie.","start":541.585,"end":542.705,"sentiment":"neutral","sentiment_score":-0.07444912008941174},{"text":"It it's a bit of a noisy drive, but that's okay.","start":542.705,"end":546.245,"sentiment":"neutral","sentiment_score":-0.15048312632875008},{"text":"No.","start":550.78,"end":551.28,"sentiment":"neutral","sentiment_score":-0.08639494329690933}],"sentiment":"neutral","sentiment_score":-0.1017342446371913,"channel":0,"num_words":20,"start":537.34503,"end":551.28},{"sentences":[{"text":"You are so fine.","start":551.34,"end":552.56,"sentiment":"neutral","sentiment_score":0.07070876099169254},{"text":"I'm it's okay.","start":552.62,"end":553.74,"sentiment":"neutral","sentiment_score":0.12927802434811989},{"text":"I've I've honestly joined Truckies for, like, long haul drives before, so it's not an issue.","start":553.74,"end":560.56,"sentiment":"positive","sentiment_score":0.3567718658596277},{"text":"It's always fun to, you know, have the UHF radio going on the background.","start":561.285,"end":564.745,"sentiment":"positive","sentiment_score":0.4319509501968111}],"sentiment":"positive","sentiment_score":0.33584681820325757,"channel":0,"num_words":37,"start":551.34,"end":564.745},{"sentences":[{"text":"Yeah.","start":565.485,"end":565.985,"sentiment":"neutral","sentiment_score":0.16960376501083374}],"sentiment":"neutral","sentiment_score":0.16960376501083374,"channel":1,"num_words":1,"start":565.485,"end":565.985},{"sentences":[{"text":"Yeah.","start":569.76495,"end":570.26495,"sentiment":"neutral","sentiment_score":0.15877465903759003},{"text":"Now with, I guess, with with the the the superannuation investments, I have sent you, like, the statement of advice, that's what it's called, that allows you to sign off and authorize the the implementation of the change.","start":571.925,"end":592.255,"sentiment":"neutral","sentiment_score":0.10053644594001143},{"text":"I can't make the change until you authorize it.","start":593.515,"end":595.675,"sentiment":"neutral","sentiment_score":0.013620283040735457},{"text":"Once you do authorize it, I will be able to place a trade to get everything happening for you.","start":595.675,"end":600.495,"sentiment":"neutral","sentiment_score":0.23104308271094373},{"text":"I I as soon as you sign that, I'll basically I'll I'll basically get that implemented.","start":603.97,"end":609.75,"sentiment":"neutral","sentiment_score":0.14127741428092122}],"sentiment":"neutral","sentiment_score":0.12954216086900378,"channel":0,"num_words":83,"start":569.76495,"end":609.75},{"sentences":[{"text":"It will take sort of about a week to two for some of the assets to sell down, specifically like that Bennelong portfolio, just because it is it has a lot of underlying assets, so it does take a little bit to sell down.","start":609.81,"end":621.835,"sentiment":"neutral","sentiment_score":0.08214108451184901},{"text":"But that's not gonna delay any of the other assets buying in.","start":622.135,"end":625.195,"sentiment":"neutral","sentiment_score":0.2621755289534728},{"text":"It'll it'll happen pretty organically really quickly, and that'll see us have a really good turnaround.","start":625.495,"end":630.98,"sentiment":"positive","sentiment_score":0.5910497903823853},{"text":"The portfolio overall like, I know Veronica's kinda gone through this with you, but the portfolio overall has still done pretty well.","start":631.92,"end":637.45996,"sentiment":"positive","sentiment_score":0.44952645085074683},{"text":"You've had some good assets holding it up, but just a little bit of a tweak to to the portfolio is gonna just give us a better long term outcome at the moment with where the market's at.","start":637.51996,"end":648.185,"sentiment":"positive","sentiment_score":0.3822165660952267}],"sentiment":"neutral","sentiment_score":0.30781001623042603,"channel":0,"num_words":132,"start":609.81,"end":648.185},{"sentences":[{"text":"So,","start":648.485,"end":648.725,"sentiment":"neutral","sentiment_score":0.028212253004312515}],"sentiment":"neutral","sentiment_score":0.028212253004312515,"channel":0,"num_words":1,"start":648.485,"end":648.725},{"sentences":[{"text":"Yeah.","start":648.625,"end":649.125,"sentiment":"neutral","sentiment_score":0.006756234914064407}],"sentiment":"neutral","sentiment_score":0.006756234914064407,"channel":1,"num_words":1,"start":648.625,"end":649.125},{"sentences":[{"text":"realistically, I think what we're doing is we're selling we're moving out completely out of six of your assets that you currently hold.","start":648.725,"end":657.065,"sentiment":"neutral","sentiment_score":-0.11454588846991891},{"text":"You hold nine, like, across your current portfolio.","start":658.95,"end":661.35004,"sentiment":"neutral","sentiment_score":-0.014405176974833012},{"text":"You have nine different asset holdings.","start":661.35004,"end":663.37,"sentiment":"neutral","sentiment_score":0.007353289518505335},{"text":"Anything, you know, from, yeah, your Australian equities to you have a lithium and tech stock.","start":663.67,"end":667.19,"sentiment":"neutral","sentiment_score":0.05137614323757589},{"text":"You have, you know, bank hybrid, stuff like that.","start":667.19,"end":669.37,"sentiment":"neutral","sentiment_score":0.012241126969456673}],"sentiment":"neutral","sentiment_score":-0.02860465611241037,"channel":0,"num_words":62,"start":648.725,"end":669.37},{"sentences":[{"text":"So we're selling out of six of them completely, and we're moving into, like, six five five five other new ones.","start":669.75,"end":679.365,"sentiment":"neutral","sentiment_score":-0.037562704866840727},{"text":"So you'll move from basically having nine to having eight.","start":679.365,"end":682.505,"sentiment":"neutral","sentiment_score":0.0032530102878808977},{"text":"Mhmm.","start":683.045,"end":683.445,"sentiment":"neutral","sentiment_score":-0.02781319804489613},{"text":"But the other three that you already hold, we're just gonna sort of reweight those to make sure that they're sort of in line because they're a little bit out.","start":683.445,"end":690.81,"sentiment":"neutral","sentiment_score":0.017589725522945323},{"text":"Nothing too crazy, but just sort of shift those to pull them back into sort of a risk profile allocation that works the way you're currently at and where the market's sitting as well.","start":690.95,"end":700.97,"sentiment":"neutral","sentiment_score":0.06148339854553342}],"sentiment":"neutral","sentiment_score":0.019104452279862016,"channel":0,"num_words":96,"start":669.75,"end":700.97},{"sentences":[{"text":"So I've sent yeah.","start":702.245,"end":704.58496,"sentiment":"neutral","sentiment_score":0.046172501519322395},{"text":"Yeah.","start":712.96497,"end":713.46497,"sentiment":"neutral","sentiment_score":0.030022066086530685},{"text":"No.","start":713.52496,"end":714.02496,"sentiment":"neutral","sentiment_score":-0.09216772019863129},{"text":"So this is this is this is in no way set and forget.","start":714.11005,"end":716.85004,"sentiment":"neutral","sentiment_score":-0.10928716281285653},{"text":"So if, you know, market doesn't improve or if things go really haywire, we'll be on the phone to have a chat to you.","start":716.91003,"end":723.65,"sentiment":"neutral","sentiment_score":-0.11475950619205832}],"sentiment":"neutral","sentiment_score":-0.09424225379561268,"channel":0,"num_words":43,"start":702.245,"end":723.65},{"sentences":[{"text":"Realistically, we we don't wanna be placing trades all the time.","start":723.87006,"end":727.31006,"sentiment":"neutral","sentiment_score":-0.26651359417221765},{"text":"We don't wanna be, you know, we don't wanna be making knee jerk reactions.","start":727.31006,"end":730.695,"sentiment":"neutral","sentiment_score":-0.2852258799331529},{"text":"We're aware that the market's volatile.","start":730.83496,"end":732.615,"sentiment":"neutral","sentiment_score":-0.20352667570114136},{"text":"We're aware that we're going through a lot of, I guess, craziness at the moment.","start":732.755,"end":736.45496,"sentiment":"neutral","sentiment_score":-0.31306376854578655},{"text":"Trump's, you know, throwing us for a for a wild ride, and and that that's okay.","start":736.675,"end":743.0,"sentiment":"neutral","sentiment_score":-0.22568946657702327}],"sentiment":"neutral","sentiment_score":-0.26537032100942826,"channel":0,"num_words":62,"start":723.87006,"end":743.0},{"sentences":[{"text":"Like, you are 36.","start":743.3,"end":744.66,"sentiment":"neutral","sentiment_score":-0.028478803113102913},{"text":"I I'm in the same age bracket as yourself.","start":744.66,"end":746.92,"sentiment":"neutral","sentiment_score":0.004014501969019572}],"sentiment":"neutral","sentiment_score":-0.005983438056248885,"channel":0,"num_words":13,"start":743.3,"end":746.92},{"sentences":[{"text":"Yeah.","start":746.685,"end":746.97,"sentiment":"neutral","sentiment_score":0.07783681154251099}],"sentiment":"neutral","sentiment_score":0.07783681154251099,"channel":1,"num_words":1,"start":746.685,"end":746.97},{"sentences":[{"text":"And, realistically, right now, the contributions that are going in, if the market goes for a drop, you buy assets for a cheaper price.","start":747.54,"end":754.68,"sentiment":"neutral","sentiment_score":0.13224841095507145},{"text":"So it it sits it sits pretty pretty okay overall.","start":754.9,"end":759.665,"sentiment":"neutral","sentiment_score":0.22129949778318406}],"sentiment":"neutral","sentiment_score":0.15843990708098693,"channel":0,"num_words":34,"start":747.54,"end":759.665},{"sentences":[{"text":"Yeah.","start":760.56995,"end":761.06995,"sentiment":"neutral","sentiment_score":0.1321803629398346}],"sentiment":"neutral","sentiment_score":0.1321803629398346,"channel":1,"num_words":1,"start":760.56995,"end":761.06995},{"sentences":[{"text":"So, you know, having having little dips in the market isn't anything to be concerned about.","start":761.32495,"end":766.065,"sentiment":"neutral","sentiment_score":0.05103818536736071},{"text":"Even if we would have like, history shows us, even if we have a prolonged market drop, all that we're doing is buying in at a lower rate.","start":766.365,"end":774.91003,"sentiment":"neutral","sentiment_score":0.06422449980995484},{"text":"The market will bounce back up.","start":774.91003,"end":776.45,"sentiment":"neutral","sentiment_score":0.15867729485034943},{"text":"Yeah.","start":776.83,"end":777.33,"sentiment":"neutral","sentiment_score":0.09886372089385986},{"text":"Buy the dip.","start":778.19,"end":779.09,"sentiment":"neutral","sentiment_score":0.0856560543179512}],"sentiment":"neutral","sentiment_score":0.07264430765752439,"channel":0,"num_words":54,"start":761.32495,"end":779.09},{"sentences":[{"text":"That's it.","start":779.95,"end":780.85004,"sentiment":"neutral","sentiment_score":0.023665637709200382},{"text":"Well, that's not what we're doing.","start":785.255,"end":786.615,"sentiment":"negative","sentiment_score":-0.4686178043484688},{"text":"We don't wanna do that.","start":786.615,"end":787.915,"sentiment":"negative","sentiment_score":-0.5345019280910492},{"text":"So I've sent that document to you.","start":790.695,"end":792.375,"sentiment":"neutral","sentiment_score":0.13306640833616257},{"text":"It's pretty straightforward even though it is still quite a number of pages painfully.","start":792.375,"end":796.235,"sentiment":"neutral","sentiment_score":0.025128233645643507}],"sentiment":"neutral","sentiment_score":-0.1221654429922209,"channel":0,"num_words":34,"start":779.95,"end":796.235},{"sentences":[{"text":"We have to have all of our disclosures and stuff like that in it.","start":796.375,"end":799.195,"sentiment":"neutral","sentiment_score":0.11581073754600116},{"text":"It it's it's really straightforward with what it's actually detailing.","start":799.95,"end":803.57,"sentiment":"neutral","sentiment_score":0.3275348640978336},{"text":"Just it's basically just a straight investment swap.","start":804.03,"end":806.03,"sentiment":"positive","sentiment_score":0.3473612666130066},{"text":"It's good.","start":806.03,"end":806.51,"sentiment":"positive","sentiment_score":0.8198582530021667},{"text":"It outlines the new investments so that way you can have a look through them.","start":806.51,"end":810.53,"sentiment":"positive","sentiment_score":0.586815470457077}],"sentiment":"positive","sentiment_score":0.3697456665793244,"channel":0,"num_words":49,"start":796.375,"end":810.53},{"sentences":[{"text":"And then yeah, as I said, once you sign that, I'll get that implemented for 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rec we've recommended?","start":818.615,"end":822.475,"sentiment":"neutral","sentiment_score":0.17785021623498515},{"text":"Or","start":822.615,"end":823.115,"sentiment":"neutral","sentiment_score":0.01672852411866188}],"sentiment":"neutral","sentiment_score":0.22269128787923942,"channel":0,"num_words":22,"start":817.575,"end":823.115},{"sentences":[{"text":"No.","start":823.79504,"end":824.195,"sentiment":"neutral","sentiment_score":-0.007505879737436771},{"text":"But I was asking about the income protection.","start":824.195,"end":828.775,"sentiment":"neutral","sentiment_score":0.007236481178551912}],"sentiment":"neutral","sentiment_score":0.005598441076775392,"channel":1,"num_words":9,"start":823.79504,"end":828.775},{"sentences":[{"text":"Yes.","start":829.75,"end":830.07,"sentiment":"neutral","sentiment_score":0.04792048409581184},{"text":"Yep.","start":830.07,"end":830.57,"sentiment":"neutral","sentiment_score":0.050719209015369415}],"sentiment":"neutral","sentiment_score":0.04931984655559063,"channel":0,"num_words":2,"start":829.75,"end":830.57},{"sentences":[{"text":"When I I'll just go ahead.","start":830.115,"end":832.055,"sentiment":"neutral","sentiment_score":0.028561809721092384},{"text":"How 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that","start":835.5,"end":839.52,"sentiment":"neutral","sentiment_score":0.009979072337349256}],"sentiment":"neutral","sentiment_score":0.01745826592668891,"channel":1,"num_words":20,"start":832.675,"end":839.52},{"sentences":[{"text":"So","start":839.605,"end":840.105,"sentiment":"neutral","sentiment_score":0.030208110809326172}],"sentiment":"neutral","sentiment_score":0.030208110809326172,"channel":0,"num_words":1,"start":839.605,"end":840.105},{"sentences":[{"text":"how does that work?","start":839.66003,"end":840.8,"sentiment":"neutral","sentiment_score":0.04315688135102391}],"sentiment":"neutral","sentiment_score":0.04315688135102391,"channel":1,"num_words":4,"start":839.66003,"end":840.8},{"sentences":[{"text":"in Comfort?","start":841.20496,"end":841.865,"sentiment":"neutral","sentiment_score":0.02527998760342598}],"sentiment":"neutral","sentiment_score":0.02527998760342598,"channel":0,"num_words":2,"start":841.20496,"end":841.865},{"sentences":[{"text":"Like, can it yeah.","start":841.42004,"end":842.96,"sentiment":"neutral","sentiment_score":0.03167444933205843}],"sentiment":"neutral","sentiment_score":0.03167444933205843,"channel":1,"num_words":4,"start":841.42004,"end":842.96},{"sentences":[{"text":"Yeah.","start":842.64496,"end":843.14496,"sentiment":"neutral","sentiment_score":0.024909114465117455}],"sentiment":"neutral","sentiment_score":0.024909114465117455,"channel":0,"num_words":1,"start":842.64496,"end":843.14496},{"sentences":[{"text":"The email search, and how does that work?","start":843.34,"end":845.18,"sentiment":"neutral","sentiment_score":0.023958945646882057},{"text":"If it does get approved, will it come into as a lump 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silly boy.","start":864.055,"end":865.195,"sentiment":"neutral","sentiment_score":-0.1899068901936213},{"text":"Yeah.","start":868.855,"end":869.09503,"sentiment":"neutral","sentiment_score":0.01768508553504944},{"text":"So it's it's it's gonna be pretty straightforward with regards to the claim.","start":869.09503,"end":872.855,"sentiment":"neutral","sentiment_score":0.12352499595055214}],"sentiment":"neutral","sentiment_score":-0.037855810252949595,"channel":0,"num_words":49,"start":853.45996,"end":872.855},{"sentences":[{"text":"The claims assessor still has to do their due diligence, obviously, but you have a thirty day waiting period.","start":872.855,"end":879.29004,"sentiment":"neutral","sentiment_score":0.02068740707871161},{"text":"So you 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with you then to to just have a chat and, you know, give you an update on where the claim fits.","start":1177.91,"end":1184.565,"sentiment":"neutral","sentiment_score":0.17948045925452158}],"sentiment":"neutral","sentiment_score":0.17073082003030884,"channel":0,"num_words":89,"start":1158.745,"end":1184.565},{"sentences":[{"text":"Yeah.","start":1185.0851,"end":1185.3251,"sentiment":"neutral","sentiment_score":0.05944502726197243},{"text":"It's cold weather.","start":1185.3251,"end":1186.2051,"sentiment":"neutral","sentiment_score":0.044587078193823494},{"text":"Thank you.","start":1186.2051,"end":1186.9451,"sentiment":"neutral","sentiment_score":0.3086441457271576}],"sentiment":"neutral","sentiment_score":0.13508242554962635,"channel":1,"num_words":6,"start":1185.0851,"end":1186.9451},{"sentences":[{"text":"No.","start":1186.945,"end":1187.1849,"sentiment":"neutral","sentiment_score":0.0167289637029171},{"text":"Absolutely.","start":1187.1849,"end":1187.6849,"sentiment":"neutral","sentiment_score":0.040511175990104675},{"text":"Well, everything's all good.","start":1188.3049,"end":1189.4249,"sentiment":"positive","sentiment_score":0.6477443277835846},{"text":"I hope you continue are you driving?","start":1189.4249,"end":1191.585,"sentiment":"positive","sentiment_score":0.35918375849723816},{"text":"I didn't think you could drive anyway, drive home safe.","start":1191.585,"end":1194.245,"sentiment":"neutral","sentiment_score":-0.1538468822836876}],"sentiment":"neutral","sentiment_score":0.1575667364117892,"channel":0,"num_words":23,"start":1186.945,"end":1194.245},{"sentences":[{"text":"And I've no.","start":1194.625,"end":1198.73,"sentiment":"neutral","sentiment_score":-0.15116832653681436},{"text":"That's okay.","start":1198.73,"end":1199.45,"sentiment":"neutral","sentiment_score":0.05185531824827194},{"text":"Well, drive safe, and I'll I'll speak to you in a week or so.","start":1199.45,"end":1202.59,"sentiment":"neutral","sentiment_score":0.09528346412948199}],"sentiment":"neutral","sentiment_score":0.05179863972099204,"channel":0,"num_words":19,"start":1194.625,"end":1202.59},{"sentences":[{"text":"Yeah.","start":1202.7999,"end":1203.12,"sentiment":"neutral","sentiment_score":0.09190702438354492},{"text":"No.","start":1203.12,"end":1203.44,"sentiment":"neutral","sentiment_score":-0.0550595223903656},{"text":"Thank you.","start":1203.44,"end":1204.1799,"sentiment":"positive","sentiment_score":0.4952705204486847}],"sentiment":"neutral","sentiment_score":0.2568471357226372,"channel":1,"num_words":4,"start":1202.7999,"end":1204.1799},{"sentences":[{"text":"Not a problem.","start":1204.25,"end":1204.97,"sentiment":"positive","sentiment_score":0.35887975494066876},{"text":"Thanks, Scott.","start":1204.97,"end":1205.61,"sentiment":"positive","sentiment_score":0.583547830581665},{"text":"Have","start":1205.61,"end":1205.77,"sentiment":"positive","sentiment_score":0.3604241907596588}],"sentiment":"positive","sentiment_score":0.4340265194574992,"channel":0,"num_words":6,"start":1204.25,"end":1205.77},{"sentences":[{"text":"Yeah.","start":1205.76,"end":1205.9199,"sentiment":"neutral","sentiment_score":0.32262223958969116}],"sentiment":"neutral","sentiment_score":0.32262223958969116,"channel":1,"num_words":1,"start":1205.76,"end":1205.9199},{"sentences":[{"text":"a good","start":1205.77,"end":1206.01,"sentiment":"positive","sentiment_score":0.44598641991615295}],"sentiment":"positive","sentiment_score":0.44598641991615295,"channel":0,"num_words":2,"start":1205.77,"end":1206.01},{"sentences":[{"text":"Yeah.","start":1205.9199,"end":1206.16,"sentiment":"neutral","sentiment_score":0.2585144639015198}],"sentiment":"neutral","sentiment_score":0.2585144639015198,"channel":1,"num_words":1,"start":1205.9199,"end":1206.16},{"sentences":[{"text":"one.","start":1206.01,"end":1206.51,"sentiment":"neutral","sentiment_score":0.29979461431503296}],"sentiment":"neutral","sentiment_score":0.29979461431503296,"channel":0,"num_words":1,"start":1206.01,"end":1206.51},{"sentences":[{"text":"Bye.","start":1206.16,"end":1206.66,"sentiment":"neutral","sentiment_score":0.21057777106761932}],"sentiment":"neutral","sentiment_score":0.21057777106761932,"channel":1,"num_words":1,"start":1206.16,"end":1206.66},{"sentences":[{"text":"Bye.","start":1206.89,"end":1207.39,"sentiment":"neutral","sentiment_score":-0.11865457892417908}],"sentiment":"neutral","sentiment_score":-0.11865457892417908,"channel":0,"num_words":1,"start":1206.89,"end":1207.39}]},"summary":{"result":"success","short":"During the call, representatives from OC Financial discuss the customer's investment strategy and goal of decreasing investment fees. The agent explains that the goal is to increase the investment and increase the growth of the fee. The process for selling out of assets and reallocating funds is straightforward, and the insurer will pay monthly payments until the customer returns to work. The customer will receive a partial payment after returning to work and will receive a check for savings from their superann chunk. The insurer will pay full month payments until the customer returns to work, and the customer will receive a check for savings from their insurer. The insurer will pay monthly payments until the customer returns to work and will follow up with the customer in a week or so."},"intents":{"segments":[{"text":"So the main changes to the investment strategy are to basically decrease some of the higher cost assets.","start_word":842,"end_word":859,"intents":[{"intent":"Address portfolio volatility","confidence_score":0.007860549}]},{"text":"We always look to update it and make sure that everything moves along nicely with with the the portfolio yearly.","start_word":1222,"end_word":1241,"intents":[{"intent":"Update and ensure good outcome","confidence_score":0.00014672054}]},{"text":"We always look to update it and make sure that everything moves along nicely with with the the portfolio yearly. That's why we do the annual reviews to make sure that if anything changes for you, you know, we can we can make sure that that'll happen.","start_word":1222,"end_word":1268,"intents":[{"intent":"Review portfolio","confidence_score":0.0036782688}]},{"text":"But but, yeah, that's that's just gonna give you, you know, a little bit better of an outcome with with respect to the investment side of things on your superannuation. Still there? Yep.","start_word":1305,"end_word":1337,"intents":[{"intent":"Discuss investment","confidence_score":0.108525515}]},{"text":"Now with, I guess, with with the the the superannuation investments, I have sent you, like, the statement of advice, that's what it's called, that allows you to sign off and authorize the the implementation of the change.","start_word":1397,"end_word":1434,"intents":[{"intent":"Implement change","confidence_score":0.25205952}]},{"text":"Once you do authorize it, I will be able to place a trade to get everything happening for you.","start_word":1444,"end_word":1462,"intents":[{"intent":"Place trade","confidence_score":0.90013456}]},{"text":"It will take sort of about a week to two for some of the assets to sell down, specifically like that Bennelong portfolio, just because it is it has a lot of underlying assets, so it does take a little bit to sell down.","start_word":1479,"end_word":1522,"intents":[{"intent":"Sell assets","confidence_score":0.30737376}]},{"text":"But the other three that you already hold, we're just gonna sort of reweight those to make sure that they're sort of in line because they're a little bit out.","start_word":1708,"end_word":1737,"intents":[{"intent":"Reweight holdings","confidence_score":0.40063927}]},{"text":"But the other three that you already hold, we're just gonna sort of reweight those to make sure that they're sort of in line because they're a little bit out. Nothing too crazy, but just sort of shift those to pull them back into sort of a risk profile allocation that works the way you're currently at and where the market's sitting as well.","start_word":1708,"end_word":1771,"intents":[{"intent":"Determine risks","confidence_score":0.000022975397}]},{"text":"So this is this is this is in no way set and forget. So if, you know, market doesn't improve or if things go really haywire, we'll be on the phone to have a chat to you.","start_word":1777,"end_word":1813,"intents":[{"intent":"Discuss market changes","confidence_score":0.023298107}]},{"text":"And, realistically, right now, the contributions that are going in, if the market goes for a drop, you buy assets for a cheaper price. So it it sits it sits pretty pretty okay overall. Yeah.","start_word":1890,"end_word":1924,"intents":[{"intent":"Recommend selling assets","confidence_score":0.0004404035}]},{"text":"So, you know, having having little dips in the market isn't anything to be concerned about. Even if we would have like, history shows us, even if we have a prolonged market drop, all that we're doing is buying in at a lower rate. The market will bounce back up. Yeah.","start_word":1925,"end_word":1975,"intents":[{"intent":"Plan future buys","confidence_score":0.000020600495}]},{"text":"So I've sent that document to you. It's pretty straightforward even though it is still quite a number of pages painfully. We have to have all of our disclosures and stuff like that in it. It it's it's really straightforward with what it's actually detailing.","start_word":1992,"end_word":2036,"intents":[{"intent":"Compliment document delivery","confidence_score":0.000005784327}]},{"text":"Just it's basically just a straight investment swap. It's good. It outlines the new investments so that way you can have a look through them. And then yeah, as I said, once you sign that, I'll get that implemented for you. Yeah.","start_word":2038,"end_word":2079,"intents":[{"intent":"Discuss investment swap","confidence_score":0.24563645}]},{"text":"But I was asking about the income protection. Yes.","start_word":2104,"end_word":2112,"intents":[{"intent":"Inquire about income protection","confidence_score":0.036547147}]},{"text":"Because you do I get a lump sum? Do I get a weekly or how does that So how does that work?","start_word":2126,"end_word":2147,"intents":[{"intent":"Offer lump sum","confidence_score":0.0034183534}]},{"text":"The claims assessor still has to do their due diligence, obviously, but you have a thirty day waiting period. So you have Yes.","start_word":2235,"end_word":2257,"intents":[{"intent":"Provide claim information","confidence_score":0.011953668}]},{"text":"OnePath is really good for that. They actually pay midmonth rather than paying at the end of the month like most insurers. So most insurers, if you're with others, what you would see is you wouldn't see any funds until sixty days post leaving work. Whereas with one pass, they actually pay at day fifteen, like or day forty five, I guess you could call it. So can I confirm?","start_word":2282,"end_word":2351,"intents":[{"intent":"Suggest payment method","confidence_score":0.00072721177}]},{"text":"So can I confirm?","start_word":2348,"end_word":2351,"intents":[{"intent":"Confirm claim details","confidence_score":0.086138785},{"intent":"Clarify claim payment date","confidence_score":0.000016379052}]},{"text":"month away from being able to receive any funds.","start_word":2404,"end_word":2412,"intents":[{"intent":"Receive funds","confidence_score":0.51143754}]},{"text":"If your doctor said eight to twelve weeks, more than likely, the insurer is just gonna pay you month to month until you return to work. Yeah.","start_word":2620,"end_word":2646,"intents":[{"intent":"Pay for time period","confidence_score":0.002350566}]},{"text":"Just because the the return date's uncertain. Yeah. Yes. Yeah.","start_word":2647,"end_word":2656,"intents":[{"intent":"Confirm return date","confidence_score":0.5049065}]},{"text":"So, yeah, so you're you're working with with a a physio to try and get things moving Yeah.","start_word":2657,"end_word":2674,"intents":[{"intent":"Work with physio","confidence_score":0.2000249}]},{"text":"So that that gives you a a a solid direction forward, and it means that you're you're working on your recovery, which is good.","start_word":2737,"end_word":2760,"intents":[{"intent":"Reconnect","confidence_score":0.0009417484}]},{"text":"So that that gives you a a a solid direction forward, and it means that you're you're working on your recovery, which is good. Yeah. Definitely.","start_word":2737,"end_word":2762,"intents":[{"intent":"Ensure recovery","confidence_score":0.012410349}]},{"text":"And one one pass will just pay out a partial payment or whatever's sort of due on that.","start_word":2814,"end_word":2831,"intents":[{"intent":"Pay","confidence_score":0.2602229}]},{"text":"Well, you have a document sitting in your inbox ready for you to sign.","start_word":2978,"end_word":2991,"intents":[{"intent":"Provide documentation","confidence_score":0.037265383}]},{"text":"And then outside of that, I'll touch base with you in, like, basically a week, maybe a week and a half after I have a chance to speak to that, whomever your claims assessor may or may not be. And I'll I'll touch base with you then to to just have a chat and, you know, give you an update on where the claim fits. Yeah.","start_word":2992,"end_word":3057,"intents":[{"intent":"Touch base","confidence_score":0.03857905}]},{"text":"And I'll I'll touch base with you then to to just have a chat and, you know, give you an update on where the claim fits. Yeah.","start_word":3031,"end_word":3057,"intents":[{"intent":"Provide update","confidence_score":0.12299946}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Scott. Larissa from OC Financial. How are you going? Yeah.","start_word":0,"end_word":11,"sentiment":"neutral","sentiment_score":0.16609065234661102},{"text":"Good. Thank you. That's good.","start_word":12,"end_word":16,"sentiment":"positive","sentiment_score":0.6604467630386353},{"text":"Have I got you in an okay time now? Yeah. I do. Can you hear me okay? I can. I'm assuming we're driving and we're hands free by the sounds of things. Yes. Yes.","start_word":17,"end_word":50,"sentiment":"neutral","sentiment_score":0.086942158639431},{"text":"Perfect.","start_word":51,"end_word":51,"sentiment":"positive","sentiment_score":0.35931146144866943},{"text":"No.","start_word":52,"end_word":52,"sentiment":"neutral","sentiment_score":0.16848689317703247},{"text":"I love.","start_word":53,"end_word":54,"sentiment":"positive","sentiment_score":0.3561338186264038},{"text":"Alright. Well, before I jump into it, I do need to let you know that our calls are recorded. And if I could get you some security for me, it's full name, date of birth, and address. Yep. First first twelve eighty nine. One six two Avenue. What was that address? Sorry? 162 Avenue. Perfect. Nope.","start_word":55,"end_word":110,"sentiment":"neutral","sentiment_score":0.010687788017094135},{"text":"We just just cut out, and I just had no idea.","start_word":111,"end_word":121,"sentiment":"negative","sentiment_score":-0.36503151059150696},{"text":"Perfect. Alright. Sorry. As I was explaining this morning, the whole point of the call today is to go through and have the recommendation Veronica was making. So Veronica's put the whole plan together. It's just, obviously, she's sick and we didn't wanna wanna delay anything. So I've taken the call to be able to get that through to you. Now with respect to what we're wanting to do, is we go ahead and get the update to the investment. So the the whole scope of the advice is really limited to your superannuation and where the investment currently fits. Now Is this breaking up a little bit? Oh, I'm so sorry. Is that a bit better? Yeah. That's taste better. You're just in and out. Yeah. That's okay. Just Yeah. That's having taste better. an I Perfect. thought it was my side. No. That's okay. So yeah. So as I was saying, the the the point of the the point of the advice is to go through and do a bit of an update to your superannuation investments. Veronica put everything together.","start_word":122,"end_word":304,"sentiment":"neutral","sentiment_score":-0.01706501841545105},{"text":"She's just ill today, and I've taken over some of her bookings.","start_word":305,"end_word":316,"sentiment":"negative","sentiment_score":-0.3697340190410614},{"text":"Now the goals that you had put together was that you were really wanting to, like, grow your superannuation as much as possible and just sort of aim towards, I guess, a bit of a better investment outcome with where the investment fits. So this the scope of the advice does very much does very much revolve around your superannuation investments. Now when when Veronica was putting the plan together, you were off work with with a time frame of, like, eight to twelve weeks off work. Mhmm. Yes. And I I know that we're looking at going and doing an income protection claim as well. Can I ask how is how is everything going on that front? Yeah. I've just submitted paperwork. Yep.","start_word":317,"end_word":440,"sentiment":"neutral","sentiment_score":0.11370198428630827},{"text":"Perfect. Perfect.","start_word":441,"end_word":442,"sentiment":"positive","sentiment_score":0.4274182915687561},{"text":"I I can I can see on on file that that Caden got the the documents all in, and I Yeah. assume that from a claims perspective, because I'm actually I deal with majority of the claims? Okay. I probably have an email sitting in my inbox waiting for me to just check them over as well. Yeah. Well, I went to the doctor. I don't know if you do know about it. I went to yesterday to check out to see how it's all going.","start_word":443,"end_word":528,"sentiment":"neutral","sentiment_score":0.09825336188077928},{"text":"I'm in operation, so that's fantastic.","start_word":529,"end_word":534,"sentiment":"positive","sentiment_score":0.4972023367881775},{"text":"Yep. I just got Good. a new you know, actually, to do so, like, you know, I And what's what's the time frame what's the time frame that you are looking at having off? Okay. So still eight to twelve weeks. Yeah. With your job, you you could either do nothing or or all of it. Yeah. No. That's that's that's okay. Alright. Well, yeah, the the claim the claim will get submitted today because, yeah, Caden got all received all the documents yesterday. And I lied. He submitted them to he submitted them to one part yesterday. I apologize. I have the email confirmation that was submitted. I generally have a look over the documents myself, so I'll probably have a look over them after we get off the phone just to make sure that there wasn't anything missing or anything Yeah.","start_word":535,"end_word":677,"sentiment":"neutral","sentiment_score":-0.0029851621948182583},{"text":"that would delay the claim.","start_word":678,"end_word":682,"sentiment":"negative","sentiment_score":-0.3427165150642395},{"text":"It's generally sort of a check that I do just to just to make sure that everything runs smoothly rather than it going to the insurer coming back and being, you know, back and forwards. So I'll have a look over that. If there is anything, I'll send you an email.","start_word":683,"end_word":733,"sentiment":"neutral","sentiment_score":0.2334672808647156},{"text":"But if Cadence haven't had a look over it, we're probably pretty good.","start_word":734,"end_word":746,"sentiment":"positive","sentiment_score":0.4309377372264862},{"text":"So, anyway, the advice the advice does, I guess, center a lot around our our our superannuation and the investment. So your risk profile is a is of a high growth investor.","start_word":747,"end_word":778,"sentiment":"neutral","sentiment_score":0.2539755702018738},{"text":"So that's someone who would basically be happy to take on a bit of fluctuation in the market, someone that is you know, has a decent long term time frame before retirement, which you do.","start_word":779,"end_word":813,"sentiment":"positive","sentiment_score":0.3611322045326233},{"text":"You're sitting in your mid thirties. So we've got plenty of time to be able to weather any of those cyclical investment storms that we do go through. So the main changes to the investment strategy are to basically decrease some of the higher cost assets. So, like, your rental long asset that it it is a bit of a higher cost portfolio structure and and remove some of those, I guess, assets that aren't quite pulling their weight in the volatile market and swap them in for assets that that cost a little bit less and have that that better volatility cushion to them, still keeping to, obviously, a a variance that's gonna allow you to, you know, be invested in the market and have a good return, but just sort of remove some of that uncertainty where the market is, you know, where it's currently sitting and has has that better sort of historical performance outcome. So, overall, you we're gonna we're going to be decreasing, I guess, the investment fee by about $470 per annum.","start_word":814,"end_word":991,"sentiment":"neutral","sentiment_score":0.17584757506847382},{"text":"So there's gonna be, like, a $470 savings with the the the superannuation investment fee, which is good because that means that stays within your fund. And then because we're swapping out some of the assets, historically, the fund is actually the new portfolio has performed at about 2.8% better. So we've got, you know, a couple percent sitting there that we're gonna be able to to get better income coming into your funds. So the growth, the dividends being paid, stuff like that. So it's a nice and easy one. It it does give you a bit of a a quite a quite a good boost over a ten year ten year, you know, projection, where if we stay where you're at, we're looking at sort of in ten years about 620,000.","start_word":992,"end_word":1124,"sentiment":"positive","sentiment_score":0.5513325840010679},{"text":"We'll be looking more along the $800,000 mark in ten years' time. Now, obviously, there's always factors that, you know, result in that number changing, extended periods of time of work. So eight to twelve weeks is not what I would call an extended period of time of work. But Okay. if we're looking at anything longer where, you know, no contributions are going in or, you know, anything causes causes a massive financial variance for you, then, you know, that that outcome can obviously change. But, again, it's always it's never a set to get strategy. We always look to update it and make sure that everything moves along nicely with with the the portfolio yearly. That's why we do the annual reviews to make sure that if anything changes for you, you know, we can we can make sure that that'll happen. Your next review is not due until, yeah, February year. But, of course, because you're going through a claim at the moment, we will definitely be in contact with you a little bit more than frequent. But but, yeah, that's that's just gonna give you, you know, a little bit better of an outcome with with respect to the investment side of things on your superannuation. Still there? Yep. Oh, no. You're okay. I'm not gonna lie. It it's a bit of a noisy drive, but that's okay. No. You are so fine. I'm it's okay.","start_word":1125,"end_word":1364,"sentiment":"neutral","sentiment_score":0.055396877229213715},{"text":"I've I've honestly joined Truckies for, like, long haul drives before, so it's not an issue. It's always fun to, you know, have the UHF radio going on the background.","start_word":1365,"end_word":1394,"sentiment":"positive","sentiment_score":0.39584824442863464},{"text":"Yeah. Yeah. Now with, I guess, with with the the the superannuation investments, I have sent you, like, the statement of advice, that's what it's called, that allows you to sign off and authorize the the implementation of the change. I can't make the change until you authorize it. Once you do authorize it, I will be able to place a trade to get everything happening for you. I I as soon as you sign that, I'll basically I'll I'll basically get that implemented. It will take sort of about a week to two for some of the assets to sell down, specifically like that Bennelong portfolio, just because it is it has a lot of underlying assets, so it does take a little bit to sell down. But that's not gonna delay any of the other assets buying in.","start_word":1395,"end_word":1534,"sentiment":"neutral","sentiment_score":0.12796750664711},{"text":"It'll it'll happen pretty organically really quickly, and that'll see us have a really good turnaround. The portfolio overall like, I know Veronica's kinda gone through this with you, but the portfolio overall has still done pretty well. You've had some good assets holding it up, but just a little bit of a tweak to to the portfolio is gonna just give us a better long term outcome at the moment with where the market's at.","start_word":1535,"end_word":1610,"sentiment":"positive","sentiment_score":0.4481744468212128},{"text":"So, Yeah. realistically, I think what we're doing is we're selling we're moving out completely out of six of your assets that you currently hold. You hold nine, like, across your current portfolio. You have nine different asset holdings. Anything, you know, from, yeah, your Australian equities to you have a lithium and tech stock. You have, you know, bank hybrid, stuff like that. So we're selling out of six of them completely, and we're moving into, like, six five five five other new ones. So you'll move from basically having nine to having eight. Mhmm. But the other three that you already hold, we're just gonna sort of reweight those to make sure that they're sort of in line because they're a little bit out. Nothing too crazy, but just sort of shift those to pull them back into sort of a risk profile allocation that works the way you're currently at and where the market's sitting as well. So I've sent yeah. Yeah. No. So this is this is this is in no way set and forget. So if, you know, market doesn't improve or if things go really haywire, we'll be on the phone to have a chat to you. Realistically, we we don't wanna be placing trades all the time. We don't wanna be, you know, we don't wanna be making knee jerk reactions. We're aware that the market's volatile. We're aware that we're going through a lot of, I guess, craziness at the moment. Trump's, you know, throwing us for a for a wild ride, and and that that's okay. Like, you are 36. I I'm in the same age bracket as yourself. Yeah. And, realistically, right now, the contributions that are going in, if the market goes for a drop, you buy assets for a cheaper price. So it it sits it sits pretty pretty okay overall. Yeah. So, you know, having having little dips in the market isn't anything to be concerned about. Even if we would have like, history shows us, even if we have a prolonged market drop, all that we're doing is buying in at a lower rate. The market will bounce back up. Yeah. Buy the dip. That's it.","start_word":1611,"end_word":1980,"sentiment":"neutral","sentiment_score":-0.03736764476508707},{"text":"Well, that's not what we're doing. We don't wanna do that.","start_word":1981,"end_word":1991,"sentiment":"negative","sentiment_score":-0.48258838057518005},{"text":"So I've sent that document to you. It's pretty straightforward even though it is still quite a number of pages painfully. We have to have all of our disclosures and stuff like that in it.","start_word":1992,"end_word":2026,"sentiment":"neutral","sentiment_score":0.08476120978593826},{"text":"It it's it's really straightforward with what it's actually detailing. Just it's basically just a straight investment swap. It's good. It outlines the new investments so that way you can have a look through them. And then yeah, as I said, once you sign that, I'll get that implemented for you. Yeah. Cool. Awesome. Cool. Amazing.","start_word":2027,"end_word":2082,"sentiment":"positive","sentiment_score":0.46640289787735256},{"text":"Were there any questions you might have had on any of the specific assets that I've rec we've recommended? Or No. But I was asking about the income protection. Yes. Yep. When I I'll just go ahead. How does Yeah. that work then? Because you do I get a lump sum? Do I get a weekly or how does that So how does that work? in Comfort? Like, can it yeah. Yeah. The email search, and how does that work? If it does get approved, will it come into as a lump sum, It's or will monthly it? it's monthly payments. Unless Yeah. unless it takes an extended period of time for the claim to go through, which I don't think it's going through, your your claim's pretty straightforward. Like, you fell off a bike. Silly, silly boy. Yeah. So it's it's it's gonna be pretty straightforward with regards to the claim. The claims assessor still has to do their due diligence, obviously, but you have a thirty day waiting period. So you have Yes. to serve out your thirty day waiting period. Once your thirty day waiting period is served out, then you will start receiving a benefit.","start_word":2083,"end_word":2281,"sentiment":"neutral","sentiment_score":0.031839769333601},{"text":"OnePath is really good for that.","start_word":2282,"end_word":2287,"sentiment":"positive","sentiment_score":0.4904668927192688},{"text":"They actually pay midmonth rather than paying at the end of the month like most insurers. So most insurers, if you're with others, what you would see is you wouldn't see any funds until sixty days post leaving work. Whereas with one pass, they actually pay at day fifteen, like or day forty five, I guess you could call it. So can I confirm? Because I haven't looked through your your your claim documents, so I'm not a thousand percent familiar. What when was the last day you did work? Accident happened. March 30. Okay. So we're we're halfway through our month so far. So we're basically we're we're we're four weeks away or a Yeah. month away from being able to receive any funds. Are Yeah. you going okay Yeah. with with Yeah. yeah. Yeah. Yeah. You know, I've got luckily, I my last job, I've never done that. Yeah. And my investment probably, I guess, money from that as well. But yeah. Yeah. It's kinda alright. But, yeah, I'd rather Yeah. not be not be chilling some more redundancy money. Yeah. Definitely not. No. That's okay. Alright. So so what what what will happen is, basically, the insurer will pay you for the full month. If if, basically, it's a pretty open and closed case, I. E. The doctors has turned around in your in your documents and stated that you will be set for work for like, by x date, then the insurer can actually make the decision to just pay out the entire time period. So they, you know, they may just pay out, like, the the full six weeks. Or they may pay out a month, and then at the time that you go back to work, they'll just ask you for a confirmation that you've returned to work, and they'll pay out a partial month payment after that. It just depends on what your doctor's disclosed, how your recovery is going, so on and so forth. If your doctor said eight to twelve weeks, more than likely, the insurer is just gonna pay you month to month until you return to work. Yeah. Just because the the return date's uncertain. Yeah. Yes. Yeah. So, yeah, so you're you're working with with a a physio to try and get things moving Yeah. Yeah. faster. I only just I mean, just went to the the medical center on Wednesday to have a check on Yep. the Yep. Good. Alright.","start_word":2288,"end_word":2700,"sentiment":"neutral","sentiment_score":-0.006412906477511939},{"text":"Cool. That's good.","start_word":2701,"end_word":2703,"sentiment":"positive","sentiment_score":0.46700724959373474},{"text":"Okay.","start_word":2704,"end_word":2704,"sentiment":"neutral","sentiment_score":0.251934677362442},{"text":"So the doctor has an internal physio. I love that. Perfect.","start_word":2705,"end_word":2715,"sentiment":"positive","sentiment_score":0.4312249720096588},{"text":"Yeah. I was just through the public system Oh, and all of them.","start_word":2716,"end_word":2728,"sentiment":"neutral","sentiment_score":0.2703759463933798},{"text":"I love. Yeah. Alright. Perfect. No. That's good. So that that gives you a a a solid direction forward, and it means that you're you're working on your recovery, which is good. Yeah. Definitely. You wanna get back to work. So it's it's just a matter of, yeah, just waiting out that time period, obviously, making sure that you're recovering properly, not rushing it. And once once the doctor certifies that you're good to go back to work, yeah, you can go back to work.","start_word":2729,"end_word":2813,"sentiment":"positive","sentiment_score":0.5005745887756348},{"text":"And one one pass will just pay out a partial payment or whatever's sort of due on that. But I'll generally, I try and give it a week before I start chasing up your claims assessors. So it'll it'll be sort of this time next week that I get in touch with one pass from a claims assessment point of view, let them take a week to kind of look over the claim and go from there. They they generally have, like, a two to three day turnaround before they assign a claims assessor to you. You'll don't be surprised. Your claims assessor will reach out to you. But but I'll I'll give them a call, introduce myself from a claims point of view, and make sure that I keep on top of everything so that way I can sort of help to manage everything and make sure that everything goes smoothly for you. That's what I that's what we're here for.","start_word":2814,"end_word":2975,"sentiment":"neutral","sentiment_score":0.1846066415309906},{"text":"Oh, perfect.","start_word":2976,"end_word":2977,"sentiment":"positive","sentiment_score":0.34461939334869385},{"text":"Well, you have a document sitting in your inbox ready for you to sign. And then outside of that, I'll touch base with you in, like, basically a week, maybe a week and a half after I have a chance to speak to that, whomever your claims assessor may or may not be. And I'll I'll touch base with you then to to just have a chat and, you know, give you an update on where the claim fits. Yeah. It's cold weather. Thank you. No. Absolutely.","start_word":2978,"end_word":3064,"sentiment":"neutral","sentiment_score":0.1554078310728073},{"text":"Well, everything's all good. I hope you continue are you driving?","start_word":3065,"end_word":3075,"sentiment":"positive","sentiment_score":0.4959769546985626},{"text":"I didn't think you could drive anyway, drive home safe. And I've no. That's okay. Well, drive safe, and I'll I'll speak to you in a week or so. Yeah. No.","start_word":3076,"end_word":3106,"sentiment":"neutral","sentiment_score":-0.009711341001093388},{"text":"Thank you. Not a problem. Thanks, Scott. Have Yeah. a good Yeah.","start_word":3107,"end_word":3118,"sentiment":"positive","sentiment_score":0.42231789231300354},{"text":"one. Bye. Bye.","start_word":3119,"end_word":3121,"sentiment":"neutral","sentiment_score":0.19980238378047943}],"average":{"sentiment":"neutral","sentiment_score":0.11841568080357144}}}}