{"metadata":{"transaction_key":"deprecated","request_id":"019e858a-f0df-7c13-84d2-56e1d1ed5051","sha256":"e02b10f7ab65b09a60253f725654056d57973867406a818051118ce6985d0127","created":"2026-06-01T23:35:38.307Z","duration":420.76794,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":1599,"output_tokens":101},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":1803,"output_tokens":1807},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":1803,"output_tokens":205}},"results":{"channels":[{"alternatives":[{"transcript":"Hi, Casper. It's Dana. All good? That's okay. Look. I don't want you to be in pain. It's always good to go. So you just let me know if you ever need to stop. It's not an issue at all. All good. Now what I was sort of saying, the last thing here was, essentially, with the projected outcome, your goal was that at 60, you were wanting to sort of draw income of 150,000 from both super and also your business back in New Zealand there. The main thing is when I project this forward over the next ten years, the projected outcome in your current scenario lands you with about 292,000. With the recommended, we can see that increase to about 358,000. However, it still doesn't quite meet your goal. So moving forward, as we review things after the advice is implemented, we're still gonna have to look at other strategies, maybe increasing contributions, utilizing some catch up contributions, and other strategies moving forward to boost your sleep even more because it isn't quite meeting your goal. It is leaving a bit of a gap there for retirement. It may also mean that we may need to work longer than age 60 as well depending on your circumstances and what you're comfortable with. So I just wanted to let you know and be open that we've projected out as much as we can, and that there is still a gap, and there's other things that we're gonna have to do down the track to help you along as well. Okay? Yep. All good. Essentially, the other side of that is when we do open the new super account in hub twenty four, we're gonna update the beneficiaries, making sure that they are applied the same as they are in Netwealth and ING and making sure that they are nominated to your wife as a binding non lapsing nomination. Just making sure that in the event of you passing, we don't want that to happen. I want you to get to retirement, enjoy your years, and have a great retirement outcome. But in the event that something was to happen, it would does make it easier for your wife to be able to claim if those beneficiaries are in place. So we've done that with Netwealth and ING. We'll make sure that's applied to Hub twenty four for you as well. Okay? Absolutely. Yes. Mhmm. It's it's completely up to them. So what happens at the time of claim is they get a withdrawal form. We can either help her to have those funds moved into a super pension account so she can draw regular income and keep the money invested, or she can withdraw that out solely as cash. That is up to her, and she can do it either way. Yeah. Yeah. That's okay. It's not a problem at all. It's good that you asked those of the questions. It's what we're here for. And if there's anything that's, you know, you're ever unsure about, please let me know. Okay? Oh, good. The other side of that is just making sure with the estate planning that you do have your power of attorney and your will updated. Your beneficiary nominations look after your life insurance and your super. However, you've also got other assets outside of those two things, so your cars, your savings accounts, and your homes, and all those sorts of things. So those sorts of assets all need to be added into a state planning through a will. So speaking to a local solicitor, probably in New Zealand as that's where most of your assets are are probably located at the moment and making sure that you do have a will updated and relevant to your circumstances and also making sure about a power of attorney is set up. So a power of attorney essentially appoints someone to assist and make decisions on your behalf in the event that you're unable to do so. So a really good example of that is if you were to have a car accident and you were in hospital and possibly in a coma or just incapacitated, so you're not able to make your own decisions, and you appoint someone through a power of attorney to be able to come and make those medical and financial decisions for you, and they follow a direction that you've outlaid as to what you want them or how you want them to react in the event something was to happen. Okay? That's okay. That is essentially all the recommendations there. We're just gonna retain Netwealth contributions need to sorry. Retain ING. I apologize. Contributions to go into ING. We'll keep 10,000 in ING and have that money invested in a high growth portfolio. We'll also then move out of net wealth and into hub twenty four, which is cheaper, more cost effective for you. We do know there's an expected capital gains consequence, but you're also paying less fees in hub twenty four, have the funds invested for you, update your beneficiary nominations, and retain your insurance within I n g there. Does that make sense? Still haven't? That's okay. What I'll do I'll go back into the back end and see if there's something. I might need to void that email and resend it through you with another email. So I'll give that a crack and see if it works for you. If you don't receive it by the end of the day, please let me know. Okay? Beautiful. I'll go back in and just fix that up and see if I can get that resent to you shortly. Hopefully, it comes through in the next hour or two. But if it doesn't come through by today, please let me know. When the document comes through, have a really good read of the recommendations, the advantages, the disadvantages, the risks involved, and let me know if you do happen to have any questions there. If you're happy to take on those recommendations, we'll just get you to sign and return that document back to us so we can have it implemented for you. Okay? Beautiful. I will also just send out the contributions details. I'll see if I can get the contributions form for INT as well and make sure you do have that regardless of what you decide. Okay? That's okay. Not a problem at all, Casper. Is there any questions that might pop up at the moment that you want me to sort of look at, or are you happy just to have a look at the document when it comes through? Yeah. Beautiful. Absolutely. Absolutely. Save as much fees as you can and get as much money into super and have it working as hard as possible. I completely understand. Yeah. You worked really hard, and you deserve to have the best retirement outcome you can possibly get. Okay? My pleasure, Casper. I will let you go. I hope you have a restful day. Feel better soon, and I'll get that email updated and resent to you. Hopefully, it pops through fairly quickly. Okay? Thank you, Casper. You too. Look after yourself. I hope you feel better soon. Thank you. See you later. 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Casper. It's Dana. All good? That's okay. Look.\n\nI don't want you to be in pain. It's always good to go. So you just let me know if you ever need to stop. It's not an issue at all. All good.\n\nNow what I was sort of saying, the last thing here was, essentially, with the projected outcome, your goal was that at 60, you were wanting to sort of draw income of 150,000 from both super and also your business back in New Zealand there. The main thing is when I project this forward over the next ten years, the projected outcome in your current scenario lands you with about 292,000. With the recommended, we can see that increase to about 358,000. However, it still doesn't quite meet your goal. So moving forward, as we review things after the advice is implemented, we're still gonna have to look at other strategies, maybe increasing contributions, utilizing some catch up contributions, and other strategies moving forward to boost your sleep even more because it isn't quite meeting your goal.\n\nIt is leaving a bit of a gap there for retirement. It may also mean that we may need to work longer than age 60 as well depending on your circumstances and what you're comfortable with. So I just wanted to let you know and be open that we've projected out as much as we can, and that there is still a gap, and there's other things that we're gonna have to do down the track to help you along as well. Okay? Yep.\n\nAll good. Essentially, the other side of that is when we do open the new super account in hub twenty four, we're gonna update the beneficiaries, making sure that they are applied the same as they are in Netwealth and ING and making sure that they are nominated to your wife as a binding non lapsing nomination. Just making sure that in the event of you passing, we don't want that to happen. I want you to get to retirement, enjoy your years, and have a great retirement outcome. But in the event that something was to happen, it would does make it easier for your wife to be able to claim if those beneficiaries are in place.\n\nSo we've done that with Netwealth and ING. We'll make sure that's applied to Hub twenty four for you as well. Okay? Absolutely. Yes.\n\nMhmm. It's it's completely up to them. So what happens at the time of claim is they get a withdrawal form. We can either help her to have those funds moved into a super pension account so she can draw regular income and keep the money invested, or she can withdraw that out solely as cash. That is up to her, and she can do it either way.\n\nYeah. Yeah. That's okay. It's not a problem at all. It's good that you asked those of the questions.\n\nIt's what we're here for. And if there's anything that's, you know, you're ever unsure about, please let me know. Okay? Oh, good. The other side of that is just making sure with the estate planning that you do have your power of attorney and your will updated.\n\nYour beneficiary nominations look after your life insurance and your super. However, you've also got other assets outside of those two things, so your cars, your savings accounts, and your homes, and all those sorts of things. So those sorts of assets all need to be added into a state planning through a will. So speaking to a local solicitor, probably in New Zealand as that's where most of your assets are are probably located at the moment and making sure that you do have a will updated and relevant to your circumstances and also making sure about a power of attorney is set up. So a power of attorney essentially appoints someone to assist and make decisions on your behalf in the event that you're unable to do so.\n\nSo a really good example of that is if you were to have a car accident and you were in hospital and possibly in a coma or just incapacitated, so you're not able to make your own decisions, and you appoint someone through a power of attorney to be able to come and make those medical and financial decisions for you, and they follow a direction that you've outlaid as to what you want them or how you want them to react in the event something was to happen. Okay? That's okay. That is essentially all the recommendations there. We're just gonna retain Netwealth contributions need to sorry.\n\nRetain ING. I apologize. Contributions to go into ING. We'll keep 10,000 in ING and have that money invested in a high growth portfolio. We'll also then move out of net wealth and into hub twenty four, which is cheaper, more cost effective for you.\n\nWe do know there's an expected capital gains consequence, but you're also paying less fees in hub twenty four, have the funds invested for you, update your beneficiary nominations, and retain your insurance within I n g there. Does that make sense? Still haven't? That's okay. What I'll do I'll go back into the back end and see if there's something.\n\nI might need to void that email and resend it through you with another email. So I'll give that a crack and see if it works for you. If you don't receive it by the end of the day, please let me know. Okay? Beautiful.\n\nI'll go back in and just fix that up and see if I can get that resent to you shortly. Hopefully, it comes through in the next hour or two. But if it doesn't come through by today, please let me know. When the document comes through, have a really good read of the recommendations, the advantages, the disadvantages, the risks involved, and let me know if you do happen to have any questions there. If you're happy to take on those recommendations, we'll just get you to sign and return that document back to us so we can have it implemented for you.\n\nOkay? Beautiful. I will also just send out the contributions details. I'll see if I can get the contributions form for INT as well and make sure you do have that regardless of what you decide. Okay?\n\nThat's okay. Not a problem at all, Casper. Is there any questions that might pop up at the moment that you want me to sort of look at, or are you happy just to have a look at the document when it comes through? Yeah. Beautiful.\n\nAbsolutely. Absolutely. Save as much fees as you can and get as much money into super and have it working as hard as possible. I completely understand. Yeah.\n\nYou worked really hard, and you deserve to have the best retirement outcome you can possibly get. Okay? My pleasure, Casper. I will let you go. I hope you have a restful day.\n\nFeel better soon, and I'll get that email updated and resent to you. Hopefully, it pops through fairly quickly. Okay? Thank you, Casper. You too.\n\nLook after yourself. I hope you feel better soon. Thank you. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Casper.","start":2.0,"end":2.8,"sentiment":"neutral","sentiment_score":0.12202556431293488},{"text":"It's Dana.","start":2.8,"end":3.62,"sentiment":"neutral","sentiment_score":0.16157467663288116},{"text":"All good?","start":3.6799998,"end":4.34,"sentiment":"positive","sentiment_score":0.39536309242248535},{"text":"That's okay.","start":6.8799996,"end":7.7799997,"sentiment":"neutral","sentiment_score":0.31818966567516327},{"text":"Look.","start":7.9199996,"end":8.24,"sentiment":"neutral","sentiment_score":0.05057310685515404}],"sentiment":"neutral","sentiment_score":0.22720878943800926,"num_words":9,"start":2.0,"end":8.24},{"sentences":[{"text":"I don't want you to be in pain.","start":8.24,"end":9.76,"sentiment":"neutral","sentiment_score":-0.2741216029971838},{"text":"It's always good to go.","start":9.76,"end":11.2,"sentiment":"neutral","sentiment_score":0.2368112772703171},{"text":"So you just let me know if you ever need to stop.","start":11.2,"end":13.44,"sentiment":"neutral","sentiment_score":0.046551178209483624},{"text":"It's not an issue at all.","start":13.44,"end":15.139999,"sentiment":"neutral","sentiment_score":0.17515179018179575},{"text":"All good.","start":16.905,"end":17.465,"sentiment":"positive","sentiment_score":0.46816474199295044}],"sentiment":"neutral","sentiment_score":0.04657387654438163,"num_words":33,"start":8.24,"end":17.465},{"sentences":[{"text":"Now what I was sort of saying, the last thing here was, essentially, with the projected outcome, your goal was that at 60, you were wanting to sort of draw income of 150,000 from both super and also your business back in New Zealand there.","start":17.465,"end":30.285,"sentiment":"neutral","sentiment_score":0.034756634508570035},{"text":"The main thing is when I project this forward over the next ten years, the projected outcome in your current scenario lands you with about 292,000.","start":30.699999,"end":39.6,"sentiment":"neutral","sentiment_score":0.03031122204489433},{"text":"With the recommended, we can see that increase to about 358,000.","start":40.059998,"end":44.235,"sentiment":"neutral","sentiment_score":0.0026787149677561088},{"text":"However, it still doesn't quite meet your goal.","start":44.295,"end":46.555,"sentiment":"neutral","sentiment_score":-0.1978316679596901},{"text":"So moving forward, as we review things after the advice is implemented, we're still gonna have to look at other strategies, maybe increasing contributions, utilizing some catch up contributions, and other strategies moving forward to boost your sleep even more because it isn't quite meeting your goal.","start":46.774998,"end":62.480003,"sentiment":"neutral","sentiment_score":-0.060888967575862055}],"sentiment":"neutral","sentiment_score":-0.015057143277699386,"num_words":137,"start":17.465,"end":62.480003},{"sentences":[{"text":"It is leaving a bit of a gap there for retirement.","start":62.86,"end":65.36,"sentiment":"neutral","sentiment_score":-0.20390127192844043},{"text":"It may also mean that we may need to work longer than age 60 as well depending on your circumstances and what you're comfortable with.","start":65.82,"end":72.675,"sentiment":"neutral","sentiment_score":-0.085007294267416},{"text":"So I just wanted to let you know and be open that we've projected out as much as we can, and that there is still a gap, and there's other things that we're gonna have to do down the track to help you along as well.","start":72.675,"end":83.415,"sentiment":"neutral","sentiment_score":0.08098294890647673},{"text":"Okay?","start":83.475,"end":83.975,"sentiment":"neutral","sentiment_score":0.03213736414909363},{"text":"Yep.","start":85.77,"end":86.27,"sentiment":"neutral","sentiment_score":0.10339545458555222}],"sentiment":"neutral","sentiment_score":-0.006039855707924636,"num_words":84,"start":62.86,"end":86.27},{"sentences":[{"text":"All good.","start":86.49,"end":87.15,"sentiment":"neutral","sentiment_score":0.23934997618198395},{"text":"Essentially, the other side of that is when we do open the new super account in hub twenty four, we're gonna update the beneficiaries, making sure that they are applied the same as they are in Netwealth and ING and making sure that they are nominated to your wife as a binding non lapsing nomination.","start":88.01,"end":102.854996,"sentiment":"neutral","sentiment_score":0.0992893137037754},{"text":"Just making sure that in the event of you passing, we don't want that to happen.","start":103.634995,"end":107.155,"sentiment":"neutral","sentiment_score":0.02786334976553917},{"text":"I want you to get to retirement, enjoy your years, and have a great retirement outcome.","start":107.155,"end":111.975,"sentiment":"positive","sentiment_score":0.6444675475358963},{"text":"But in the event that something was to happen, it would does make it easier for your wife to be able to claim if those beneficiaries are in place.","start":112.97,"end":121.45,"sentiment":"positive","sentiment_score":0.3935078274587105}],"sentiment":"neutral","sentiment_score":0.23820875897624735,"num_words":118,"start":86.49,"end":121.45},{"sentences":[{"text":"So we've done that with Netwealth and ING.","start":121.45,"end":123.63,"sentiment":"neutral","sentiment_score":0.2647477723658085},{"text":"We'll make sure that's applied to Hub twenty four for you as well.","start":123.689995,"end":127.13,"sentiment":"neutral","sentiment_score":0.2252527429507329},{"text":"Okay?","start":127.13,"end":127.63,"sentiment":"neutral","sentiment_score":0.09926042705774309},{"text":"Absolutely.","start":130.38501,"end":130.88501,"sentiment":"neutral","sentiment_score":-0.004908162169158459},{"text":"Yes.","start":136.465,"end":136.965,"sentiment":"neutral","sentiment_score":-0.014641032554209232}],"sentiment":"neutral","sentiment_score":0.21358246123418212,"num_words":24,"start":121.45,"end":136.965},{"sentences":[{"text":"Mhmm.","start":139.905,"end":140.405,"sentiment":"neutral","sentiment_score":-0.06031989306211472},{"text":"It's it's completely up to them.","start":146.52,"end":148.76001,"sentiment":"neutral","sentiment_score":0.0651507843285799},{"text":"So what happens at the time of claim is they get a withdrawal form.","start":148.76001,"end":153.1,"sentiment":"neutral","sentiment_score":0.03902941117329257},{"text":"We can either help her to have those funds moved into a super pension account so she can draw regular income and keep the money invested, or she can withdraw that out solely as cash.","start":153.46501,"end":164.04501,"sentiment":"neutral","sentiment_score":0.10333429255655834},{"text":"That is up to her, and she can do it either way.","start":164.18501,"end":166.60501,"sentiment":"neutral","sentiment_score":0.11910516582429409}],"sentiment":"neutral","sentiment_score":0.08710233527509605,"num_words":68,"start":139.905,"end":166.60501},{"sentences":[{"text":"Yeah.","start":168.95001,"end":169.45001,"sentiment":"neutral","sentiment_score":0.21636557579040527},{"text":"Yeah.","start":169.59001,"end":169.99,"sentiment":"positive","sentiment_score":0.3790696859359741},{"text":"That's okay.","start":169.99,"end":170.79001,"sentiment":"positive","sentiment_score":0.39273014664649963},{"text":"It's not a problem at all.","start":170.79001,"end":171.83,"sentiment":"positive","sentiment_score":0.46090713143348694},{"text":"It's good that you asked those of the questions.","start":171.83,"end":173.35,"sentiment":"positive","sentiment_score":0.6260563664966159}],"sentiment":"positive","sentiment_score":0.5147813495836759,"num_words":19,"start":168.95001,"end":173.35},{"sentences":[{"text":"It's what we're here for.","start":173.35,"end":174.55,"sentiment":"positive","sentiment_score":0.42760610580444336},{"text":"And if there's anything that's, you know, you're ever unsure about, please let me know.","start":174.55,"end":178.41,"sentiment":"neutral","sentiment_score":0.058946372320254646},{"text":"Okay?","start":178.47,"end":178.97,"sentiment":"neutral","sentiment_score":0.0638560876250267},{"text":"Oh, good.","start":180.42499,"end":181.165,"sentiment":"neutral","sentiment_score":0.29972025752067566},{"text":"The other side of that is just making sure with the estate planning that you do have your power of attorney and your will updated.","start":181.385,"end":187.805,"sentiment":"neutral","sentiment_score":0.1320813140273094}],"sentiment":"neutral","sentiment_score":0.14557407431614897,"num_words":48,"start":173.35,"end":187.805},{"sentences":[{"text":"Your beneficiary nominations look after your life insurance and your super.","start":188.105,"end":192.20499,"sentiment":"neutral","sentiment_score":0.12992893904447556},{"text":"However, you've also got other assets outside of those two things, so your cars, your savings accounts, and your homes, and all those sorts of things.","start":192.72,"end":200.4,"sentiment":"neutral","sentiment_score":0.03706835475392067},{"text":"So those sorts of assets all need to be added into a state planning through a will.","start":200.4,"end":205.68,"sentiment":"neutral","sentiment_score":0.0698291039751733},{"text":"So speaking to a local solicitor, probably in New Zealand as that's where most of your assets are are probably located at the moment and making sure that you do have a will updated and relevant to your circumstances and also making sure about a power of attorney is set up.","start":205.68,"end":220.95,"sentiment":"neutral","sentiment_score":0.06502827991019278},{"text":"So a power of attorney essentially appoints someone to assist and make decisions on your behalf in the event that you're unable to do so.","start":221.43,"end":230.70999,"sentiment":"neutral","sentiment_score":0.0840661197900772}],"sentiment":"neutral","sentiment_score":0.06921681223723751,"num_words":130,"start":188.105,"end":230.70999},{"sentences":[{"text":"So a really good example of that is if you were to have a car accident and you were in hospital and possibly in a coma or just incapacitated, so you're not able to make your own decisions, and you appoint someone through a power of attorney to be able to come and make those medical and financial decisions for you, and they follow a direction that you've outlaid as to what you want them or how you want them to react in the event something was to happen.","start":230.70999,"end":255.56999,"sentiment":"neutral","sentiment_score":0.1385340949918112},{"text":"Okay?","start":255.79,"end":256.28998,"sentiment":"neutral","sentiment_score":0.07539936900138855},{"text":"That's okay.","start":258.59,"end":259.49,"sentiment":"neutral","sentiment_score":0.2851227670907974},{"text":"That is essentially all the recommendations there.","start":260.445,"end":262.685,"sentiment":"neutral","sentiment_score":0.11195977883679527},{"text":"We're just gonna retain Netwealth contributions need to sorry.","start":262.685,"end":266.205,"sentiment":"neutral","sentiment_score":0.03943988639447424}],"sentiment":"neutral","sentiment_score":0.13068385913761127,"num_words":108,"start":230.70999,"end":266.205},{"sentences":[{"text":"Retain ING.","start":266.205,"end":267.165,"sentiment":"neutral","sentiment_score":-0.010268285870552063},{"text":"I apologize.","start":267.165,"end":267.745,"sentiment":"neutral","sentiment_score":-0.06866303831338882},{"text":"Contributions to go into ING.","start":268.205,"end":270.145,"sentiment":"neutral","sentiment_score":0.05551295354962349},{"text":"We'll keep 10,000 in ING and have that money invested in a high growth portfolio.","start":270.445,"end":275.26498,"sentiment":"neutral","sentiment_score":0.27169076204299925},{"text":"We'll also then move out of net wealth and into hub twenty four, which is cheaper, more cost effective for you.","start":276.12003,"end":282.52002,"sentiment":"positive","sentiment_score":0.347503852276575}],"sentiment":"neutral","sentiment_score":0.25539209884074,"num_words":45,"start":266.205,"end":282.52002},{"sentences":[{"text":"We do know there's an expected capital gains consequence, but you're also paying less fees in hub twenty four, have the funds invested for you, update your beneficiary nominations, and retain your insurance within I n g there.","start":282.52002,"end":296.70502,"sentiment":"neutral","sentiment_score":0.30230818492801564},{"text":"Does that make sense?","start":296.845,"end":297.98502,"sentiment":"neutral","sentiment_score":0.13329216092824936},{"text":"Still haven't?","start":302.46,"end":303.25998,"sentiment":"neutral","sentiment_score":-0.2337486296892166},{"text":"That's okay.","start":303.25998,"end":303.9,"sentiment":"neutral","sentiment_score":-0.17642717063426971},{"text":"What I'll do I'll go back into the back end and see if there's something.","start":303.9,"end":306.94,"sentiment":"neutral","sentiment_score":-0.22350177864233653}],"sentiment":"neutral","sentiment_score":0.1286557605032061,"num_words":61,"start":282.52002,"end":306.94},{"sentences":[{"text":"I might need to void that email and resend it through you with another email.","start":306.94,"end":310.69998,"sentiment":"negative","sentiment_score":-0.39961940596501033},{"text":"So I'll give that a crack and see if it works for you.","start":310.69998,"end":313.725,"sentiment":"neutral","sentiment_score":0.11838173035245675},{"text":"If you don't receive it by the end of the day, please let me know.","start":314.20502,"end":317.325,"sentiment":"neutral","sentiment_score":-0.05026406372586886},{"text":"Okay?","start":317.325,"end":317.825,"sentiment":"neutral","sentiment_score":0.0034103691577911377},{"text":"Beautiful.","start":320.125,"end":320.625,"sentiment":"positive","sentiment_score":0.5136692523956299}],"sentiment":"neutral","sentiment_score":-0.10427133176061842,"num_words":45,"start":306.94,"end":320.625},{"sentences":[{"text":"I'll go back in and just fix that up and see if I can get that resent to you shortly.","start":321.005,"end":325.505,"sentiment":"neutral","sentiment_score":0.302612641453743},{"text":"Hopefully, it comes through in the next hour or two.","start":325.565,"end":327.96002,"sentiment":"neutral","sentiment_score":0.17073264122009277},{"text":"But if it doesn't come through by today, please let me know.","start":327.96002,"end":330.7,"sentiment":"neutral","sentiment_score":0.004481475179394086},{"text":"When the document comes through, have a really good read of the recommendations, the advantages, the disadvantages, the risks involved, and let me know if you do happen to have any questions there.","start":330.92,"end":339.495,"sentiment":"neutral","sentiment_score":0.17455580266136111},{"text":"If you're happy to take on those recommendations, we'll just get you to sign and return that document back to us so we can have it implemented for you.","start":339.57498,"end":346.715,"sentiment":"neutral","sentiment_score":0.28483413981980293}],"sentiment":"neutral","sentiment_score":0.2099412354425742,"num_words":104,"start":321.005,"end":346.715},{"sentences":[{"text":"Okay?","start":346.85498,"end":347.35498,"sentiment":"neutral","sentiment_score":0.10070417076349258},{"text":"Beautiful.","start":349.255,"end":349.755,"sentiment":"positive","sentiment_score":0.5586324334144592},{"text":"I will also just send out the contributions details.","start":350.135,"end":353.35498,"sentiment":"neutral","sentiment_score":0.2876289188861847},{"text":"I'll see if I can get the contributions form for INT as well and make sure you do have that regardless of what you decide.","start":353.62997,"end":359.72998,"sentiment":"neutral","sentiment_score":0.21261324226856232},{"text":"Okay?","start":359.94998,"end":360.44998,"sentiment":"neutral","sentiment_score":0.09619400650262833}],"sentiment":"neutral","sentiment_score":0.23404113344244054,"num_words":37,"start":346.85498,"end":360.44998},{"sentences":[{"text":"That's okay.","start":362.59,"end":363.47,"sentiment":"neutral","sentiment_score":0.20714356750249863},{"text":"Not a problem at all, Casper.","start":363.47,"end":365.09,"sentiment":"neutral","sentiment_score":0.19375116129716238},{"text":"Is there any questions that might pop up at the moment that you want me to sort of look at, or are you happy just to have a look at the document when it comes through?","start":365.47,"end":372.17502,"sentiment":"neutral","sentiment_score":0.0714620521499051},{"text":"Yeah.","start":374.075,"end":374.575,"sentiment":"neutral","sentiment_score":0.04816678911447525},{"text":"Beautiful.","start":375.595,"end":376.095,"sentiment":"neutral","sentiment_score":0.12008551508188248}],"sentiment":"neutral","sentiment_score":0.09386261487784593,"num_words":46,"start":362.59,"end":376.095},{"sentences":[{"text":"Absolutely.","start":380.88998,"end":381.38998,"sentiment":"neutral","sentiment_score":-0.09793762862682344},{"text":"Absolutely.","start":383.12997,"end":383.62997,"sentiment":"neutral","sentiment_score":0.0004444718360900879},{"text":"Save as much fees as you can and get as much money into super and have it working as hard as possible.","start":384.09,"end":388.65,"sentiment":"neutral","sentiment_score":-0.02975576049224897},{"text":"I completely understand.","start":388.65,"end":389.87,"sentiment":"neutral","sentiment_score":0.030790244539578755},{"text":"Yeah.","start":390.25,"end":390.72998,"sentiment":"neutral","sentiment_score":0.0852099061012268}],"sentiment":"neutral","sentiment_score":-0.02051925885358027,"num_words":28,"start":380.88998,"end":390.72998},{"sentences":[{"text":"You worked really hard, and you deserve to have the best retirement outcome you can possibly get.","start":390.72998,"end":396.235,"sentiment":"neutral","sentiment_score":0.24035771980005152},{"text":"Okay?","start":396.375,"end":396.875,"sentiment":"neutral","sentiment_score":0.10646037757396698},{"text":"My pleasure, Casper.","start":399.175,"end":400.53497,"sentiment":"positive","sentiment_score":0.4340129494667053},{"text":"I will let you go.","start":400.53497,"end":401.41498,"sentiment":"positive","sentiment_score":0.40075246095657346},{"text":"I hope you have a restful day.","start":401.41498,"end":403.01498,"sentiment":"positive","sentiment_score":0.4538748136588505}],"sentiment":"neutral","sentiment_score":0.323498983726357,"num_words":33,"start":390.72998,"end":403.01498},{"sentences":[{"text":"Feel better soon, and I'll get that email updated and resent to you.","start":403.01498,"end":406.85498,"sentiment":"positive","sentiment_score":0.36291438799638015},{"text":"Hopefully, it pops through fairly quickly.","start":406.85498,"end":408.63498,"sentiment":"neutral","sentiment_score":0.31554941833019257},{"text":"Okay?","start":408.775,"end":409.275,"sentiment":"neutral","sentiment_score":0.16412097215652466},{"text":"Thank you, Casper.","start":411.55,"end":412.50998,"sentiment":"positive","sentiment_score":0.7639461954434713},{"text":"You 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Thank you. Appreciate it. Yep. Thank you. No. No. Yep. Yeah. Hold it. Yes. Yeah. Quick question. Say if hopefully, for let's say something happens to be before retirement, and I pass away, the money that goes to your beneficiary, does that go into their super, or do they actually get it as cash? I always wanted to build it. Okay. Alright. Thank you. Alright. Thank you. Okay. Thank you. Yeah. I'm just looking at my emails. I still haven't received anything. Yeah. One current Thank you. Yep. K. Thank you. Yeah. I don't think everybody just wanna get as much in the super as they can with the least. So Alright. Thank you. Alright. Thank you very much. You have a good day. Thank you. 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good. Thank you. Appreciate it. Yep. Thank you.\n\nNo. No. Yep. Yeah. Hold it.\n\nYes. Yeah. Quick question. Say if hopefully, for let's say something happens to be before retirement, and I pass away, the money that goes to your beneficiary, does that go into their super, or do they actually get it as cash? I always wanted to build it.\n\nOkay. Alright. Thank you. Alright. Thank you.\n\nOkay. Thank you. Yeah. I'm just looking at my emails. I still haven't received anything.\n\nYeah. One current Thank you. Yep. K. Thank you.\n\nYeah. I don't think everybody just wanna get as much in the super as they can with the least. So Alright. Thank you. Alright.\n\nThank you very much. You have a good day. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Well, good.","start":5.04,"end":5.52,"sentiment":"positive","sentiment_score":0.5342942774295807},{"text":"Thank you.","start":5.52,"end":6.0,"sentiment":"positive","sentiment_score":0.6724866032600403},{"text":"Appreciate it.","start":6.0,"end":6.8999996,"sentiment":"positive","sentiment_score":0.6403006911277771},{"text":"Yep.","start":12.565,"end":13.065,"sentiment":"neutral","sentiment_score":0.01904719695448875},{"text":"Thank 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It's Dana. All good?\n\nChannel 1: Well, good. Thank you. Appreciate it.\n\nChannel 0: That's okay. Look. I don't want you to be in pain. It's always good to go. So you just let me know if you\n\nChannel 1: Yep.\n\nChannel 0: ever need to stop. It's not an issue at all.\n\nChannel 1: Thank you.\n\nChannel 0: All good. Now what I was sort of saying, the last thing here was, essentially, with the projected outcome, your goal was that at 60, you were wanting to sort of draw income of 150,000 from both super and also your business back in New Zealand there. The main thing is when I project this forward over the next ten years, the projected outcome in your current scenario lands you with about 292,000. With the recommended, we can see that increase to about 358,000. However, it still doesn't quite meet your goal.\n\nSo moving forward,\n\nChannel 1: No.\n\nChannel 0: as we review things after the advice is implemented, we're still gonna have to look at other strategies, maybe increasing contributions, utilizing some catch up contributions, and other strategies moving forward to boost your sleep even more because it isn't quite meeting your goal. It is leaving a\n\nChannel 1: No.\n\nChannel 0: bit of a gap there for retirement. It may also mean that we may need to work longer than age 60 as well depending on your circumstances and what you're comfortable with. So I just wanted to let you know and be open that we've projected out as much as we can, and that there is still a gap, and there's other things that we're gonna have to do down the track to help you along as well. Okay?\n\nChannel 1: Yep. Yeah. Hold it.\n\nChannel 0: Yep. All good. Essentially, the other side of that is when we do open the new super account in hub twenty four, we're gonna update the beneficiaries, making sure that they are applied the same as they are in Netwealth and ING and making sure that they are nominated to your wife as a binding non lapsing nomination. Just making sure that\n\nChannel 1: Yes.\n\nChannel 0: in the event of you passing, we don't want that to happen. I want you to get to retirement, enjoy your years, and have a great retirement outcome. But in the event that something was to happen, it would does make it easier for your wife to be able to claim if those beneficiaries are in place. So we've done that with Netwealth and ING. We'll make sure that's applied to Hub twenty four for you as well.\n\nOkay?\n\nChannel 1: Yeah. Quick question. Say if\n\nChannel 0: Absolutely.\n\nChannel 1: hopefully, for let's say something happens to be before retirement,\n\nChannel 0: Yes.\n\nChannel 1: and I pass away, the money\n\nChannel 0: Mhmm.\n\nChannel 1: that goes to your beneficiary, does that go into their super, or do they actually get it as cash? I always wanted to build\n\nChannel 0: It's\n\nChannel 1: it.\n\nChannel 0: it's completely up to them. So what happens at the time of claim is they get a withdrawal form. We can either help her to have those funds moved into a super pension account so she can draw regular income and keep the money invested, or she can withdraw that out solely as cash. That is up to her, and she can do it either way.\n\nChannel 1: Okay. Alright.\n\nChannel 0: Yeah.\n\nChannel 1: Thank\n\nChannel 0: Yeah. That's okay. It's not a problem at all. It's good that you asked those of the questions. It's what we're here for.\n\nAnd if there's anything that's, you know, you're ever unsure\n\nChannel 1: you.\n\nChannel 0: about, please let me know. Okay?\n\nChannel 1: Alright. Thank you.\n\nChannel 0: Oh, good. The other side of that is just making sure with the estate planning that you do have your power of attorney and your will updated. Your beneficiary nominations look after your life insurance and your super. However, you've also got other assets outside of those two things, so your cars, your savings accounts, and your homes, and all those sorts of things. So those sorts of assets all need to be added into a state planning through a will.\n\nSo speaking to a local solicitor, probably in New Zealand as that's where most of your assets are are probably located at the moment and making sure that you do have a will updated and relevant to your circumstances and also making sure about a power of attorney is set up. So a power of attorney essentially appoints someone to assist and make decisions on your behalf in the event that you're unable to do so. So a really good example of that is if you were to have a car accident and you were in hospital and possibly in a coma or just incapacitated, so you're not able to make your own decisions, and you appoint someone through a power of attorney to be able to come and make those medical and financial decisions for you, and they follow a direction that you've outlaid as to what you want them or how you want them to react in the event something was to happen. Okay?\n\nChannel 1: Okay. Thank you.\n\nChannel 0: That's okay. That is essentially all the recommendations there. We're just gonna retain Netwealth contributions need to sorry. Retain ING. I apologize.\n\nContributions to go into ING. We'll keep 10,000 in ING and have that money invested in a high growth portfolio. We'll also then move out of net wealth and into hub twenty four, which is cheaper, more cost effective for you. We do know there's an expected capital gains consequence, but you're also paying less fees in hub twenty four, have the funds invested for you, update your beneficiary nominations, and retain your insurance within I n g there. Does that make sense?\n\nChannel 1: Yeah. I'm just looking at my emails. I still haven't received anything.\n\nChannel 0: Still haven't? That's okay. What I'll do I'll go back into the back end and see if there's something. I might need to void that email and resend it through you with another email. So I'll give that a crack and see if it works for you.\n\nIf you don't receive it by the end of the day, please let me know. Okay?\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful. I'll go back in and just fix that up and see if I can get that resent to you shortly. Hopefully, it comes through in the next hour or two. But if it doesn't come through by today, please let me know. When the document comes through, have a really good read of the recommendations, the advantages, the disadvantages, the risks involved, and let me know if you do happen to have any questions there.\n\nIf you're happy to take on those recommendations, we'll just get you to sign and return that document back to us so we can have it implemented for you. Okay?\n\nChannel 1: One current Thank you.\n\nChannel 0: Beautiful. I will also just send out the contributions details. I'll see if I can get the contributions form for INT as well and make sure you do have that regardless of what you decide. Okay?\n\nChannel 1: Yep. K. Thank you.\n\nChannel 0: That's okay. Not a problem at all, Casper. Is there any questions that might pop up at the moment that you want me to sort of look at, or are you happy just to have a look at the document when it comes through? Yeah. Beautiful.\n\nChannel 1: Yeah. I don't think everybody just wanna get as much in the super as they can with\n\nChannel 0: Absolutely.\n\nChannel 1: the least. So\n\nChannel 0: Absolutely. Save as much fees as you can and get as much money into super and have it working as hard as possible. I completely understand. Yeah. You worked really hard, and you deserve to have the best retirement outcome you can possibly get.\n\nOkay?\n\nChannel 1: Alright. Thank you.\n\nChannel 0: My pleasure, Casper. I will let you go. I hope you have a restful day. Feel better soon, and I'll get that email updated and resent to you. Hopefully, it pops through fairly quickly.\n\nOkay?\n\nChannel 1: Alright. Thank you very much. You have a good day.\n\nChannel 0: Thank you, Casper. You too. Look after yourself. I hope you feel better soon.\n\nChannel 1: Thank you.\n\nChannel 0: Thank\n\nChannel 1: Bye.\n\nChannel 0: you. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Casper.","start":2.0,"end":2.8,"sentiment":"neutral","sentiment_score":0.12202556431293488},{"text":"It's Dana.","start":2.8,"end":3.62,"sentiment":"neutral","sentiment_score":0.16157467663288116},{"text":"All good?","start":3.6799998,"end":4.34,"sentiment":"positive","sentiment_score":0.39536309242248535}],"sentiment":"neutral","sentiment_score":0.22632111112276712,"channel":0,"num_words":6,"start":2.0,"end":4.34},{"sentences":[{"text":"Well, good.","start":5.04,"end":5.52,"sentiment":"positive","sentiment_score":0.5342942774295807},{"text":"Thank you.","start":5.52,"end":6.0,"sentiment":"positive","sentiment_score":0.6724866032600403},{"text":"Appreciate it.","start":6.0,"end":6.8999996,"sentiment":"positive","sentiment_score":0.6403006911277771}],"sentiment":"positive","sentiment_score":0.6156938572724661,"channel":1,"num_words":6,"start":5.04,"end":6.8999996},{"sentences":[{"text":"That's 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a","start":62.86,"end":63.66,"sentiment":"neutral","sentiment_score":-0.17715032398700714}],"sentiment":"neutral","sentiment_score":-0.07085334024547289,"channel":0,"num_words":48,"start":47.895,"end":63.66},{"sentences":[{"text":"No.","start":63.600002,"end":63.885,"sentiment":"neutral","sentiment_score":-0.23387564718723297}],"sentiment":"neutral","sentiment_score":-0.23387564718723297,"channel":1,"num_words":1,"start":63.600002,"end":63.885},{"sentences":[{"text":"bit of a gap there for retirement.","start":63.66,"end":65.36,"sentiment":"neutral","sentiment_score":-0.21918752789497375},{"text":"It may also mean that we may need to work longer than age 60 as well depending on your circumstances and what you're comfortable with.","start":65.82,"end":72.675,"sentiment":"neutral","sentiment_score":-0.085007294267416},{"text":"So I just wanted to let you know and be open that we've projected out as much as we can, and that there is still a gap, and there's other things that we're gonna 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goes to your beneficiary, does that go into their super, or do they actually get it as cash?","start":140.09,"end":145.555,"sentiment":"neutral","sentiment_score":-0.06643587448879291},{"text":"I always wanted to build","start":145.555,"end":146.675,"sentiment":"neutral","sentiment_score":0.010449832677841187}],"sentiment":"neutral","sentiment_score":-0.05041801882907748,"channel":1,"num_words":24,"start":140.09,"end":146.675},{"sentences":[{"text":"It's","start":146.52,"end":147.02,"sentiment":"neutral","sentiment_score":0.06121828407049179}],"sentiment":"neutral","sentiment_score":0.06121828407049179,"channel":0,"num_words":1,"start":146.52,"end":147.02},{"sentences":[{"text":"it.","start":146.675,"end":147.175,"sentiment":"neutral","sentiment_score":0.09787919372320177}],"sentiment":"neutral","sentiment_score":0.09787919372320177,"channel":1,"num_words":1,"start":146.675,"end":147.175},{"sentences":[{"text":"it's completely up to them.","start":147.24,"end":148.76001,"sentiment":"neutral","sentiment_score":0.06593728438019753},{"text":"So what happens at the time of claim is they get a withdrawal form.","start":148.76001,"end":153.1,"sentiment":"neutral","sentiment_score":0.03902941117329257},{"text":"We can either help her to have those funds moved into a super pension account so she can draw regular income and keep the money invested, or she can withdraw that out solely as cash.","start":153.46501,"end":164.04501,"sentiment":"neutral","sentiment_score":0.10333429255655834},{"text":"That is up to her, and she can do it either 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things.","start":192.72,"end":200.4,"sentiment":"neutral","sentiment_score":0.03706835475392067},{"text":"So those sorts of assets all need to be added into a state planning through a will.","start":200.4,"end":205.68,"sentiment":"neutral","sentiment_score":0.0698291039751733}],"sentiment":"neutral","sentiment_score":0.09236498378263211,"channel":0,"num_words":81,"start":180.42499,"end":205.68},{"sentences":[{"text":"So speaking to a local solicitor, probably in New Zealand as that's where most of your assets are are probably located at the moment and making sure that you do have a will updated and relevant to your circumstances and also making sure about a power of attorney is set up.","start":205.68,"end":220.95,"sentiment":"neutral","sentiment_score":0.06502827991019278},{"text":"So a power of attorney essentially appoints someone to assist and make decisions on your behalf in the event that you're unable to do 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happen.","start":230.70999,"end":255.56999,"sentiment":"neutral","sentiment_score":0.1385340949918112},{"text":"Okay?","start":255.79,"end":256.28998,"sentiment":"neutral","sentiment_score":0.07539936900138855}],"sentiment":"neutral","sentiment_score":0.10736764514123101,"channel":0,"num_words":166,"start":205.68,"end":256.28998},{"sentences":[{"text":"Okay.","start":256.525,"end":257.025,"sentiment":"neutral","sentiment_score":0.19738346338272095},{"text":"Thank you.","start":257.245,"end":258.065,"sentiment":"positive","sentiment_score":0.4834069311618805}],"sentiment":"positive","sentiment_score":0.38806577523549396,"channel":1,"num_words":3,"start":256.525,"end":258.065},{"sentences":[{"text":"That's okay.","start":258.59,"end":259.49,"sentiment":"neutral","sentiment_score":0.2851227670907974},{"text":"That is essentially all the recommendations there.","start":260.445,"end":262.685,"sentiment":"neutral","sentiment_score":0.11195977883679527},{"text":"We're just gonna retain Netwealth contributions need to sorry.","start":262.685,"end":266.205,"sentiment":"neutral","sentiment_score":0.03943988639447424},{"text":"Retain ING.","start":266.205,"end":267.165,"sentiment":"neutral","sentiment_score":-0.010268285870552063},{"text":"I apologize.","start":267.165,"end":267.745,"sentiment":"neutral","sentiment_score":-0.06866303831338882}],"sentiment":"neutral","sentiment_score":0.07050274160097945,"channel":0,"num_words":22,"start":258.59,"end":267.745},{"sentences":[{"text":"Contributions to go into ING.","start":268.205,"end":270.145,"sentiment":"neutral","sentiment_score":0.05551295354962349},{"text":"We'll keep 10,000 in ING and have that money invested in a high growth portfolio.","start":270.445,"end":275.26498,"sentiment":"neutral","sentiment_score":0.27169076204299925},{"text":"We'll also then move out of net wealth and into hub twenty four, which is cheaper, more cost effective for 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you.","start":310.69998,"end":313.725,"sentiment":"neutral","sentiment_score":0.11838173035245675}],"sentiment":"neutral","sentiment_score":-0.18357886968457954,"channel":0,"num_words":47,"start":302.46,"end":313.725},{"sentences":[{"text":"If you don't receive it by the end of the day, please let me know.","start":314.20502,"end":317.325,"sentiment":"neutral","sentiment_score":-0.05026406372586886},{"text":"Okay?","start":317.325,"end":317.825,"sentiment":"neutral","sentiment_score":0.0034103691577911377}],"sentiment":"neutral","sentiment_score":-0.04690941167064011,"channel":0,"num_words":16,"start":314.20502,"end":317.825},{"sentences":[{"text":"Yeah.","start":318.78,"end":319.28,"sentiment":"neutral","sentiment_score":0.1344948261976242}],"sentiment":"neutral","sentiment_score":0.1344948261976242,"channel":1,"num_words":1,"start":318.78,"end":319.28},{"sentences":[{"text":"Beautiful.","start":320.125,"end":320.625,"sentiment":"positive","sentiment_score":0.5136692523956299},{"text":"I'll go back in and just fix that up and see if I can get that resent to you shortly.","start":321.005,"end":325.505,"sentiment":"neutral","sentiment_score":0.302612641453743},{"text":"Hopefully, it comes through in the next hour or two.","start":325.565,"end":327.96002,"sentiment":"neutral","sentiment_score":0.17073264122009277},{"text":"But if it doesn't come through by today, please let me know.","start":327.96002,"end":330.7,"sentiment":"neutral","sentiment_score":0.004481475179394086},{"text":"When the document comes through, have a really good read of the recommendations, the advantages, the disadvantages, the risks involved, and let me know if you do happen to have any questions there.","start":330.92,"end":339.495,"sentiment":"neutral","sentiment_score":0.17455580266136111}],"sentiment":"neutral","sentiment_score":0.18536010110064557,"channel":0,"num_words":76,"start":320.125,"end":339.495},{"sentences":[{"text":"If you're happy to take on those recommendations, we'll just get you to sign and return that document back to us so we can have it implemented for you.","start":339.57498,"end":346.715,"sentiment":"neutral","sentiment_score":0.28483413981980293},{"text":"Okay?","start":346.85498,"end":347.35498,"sentiment":"neutral","sentiment_score":0.10070417076349258}],"sentiment":"neutral","sentiment_score":0.2786964741845926,"channel":0,"num_words":30,"start":339.57498,"end":347.35498},{"sentences":[{"text":"One current Thank you.","start":347.44998,"end":349.005,"sentiment":"neutral","sentiment_score":0.23686537519097328}],"sentiment":"neutral","sentiment_score":0.23686537519097328,"channel":1,"num_words":4,"start":347.44998,"end":349.005},{"sentences":[{"text":"Beautiful.","start":349.255,"end":349.755,"sentiment":"positive","sentiment_score":0.5586324334144592},{"text":"I will also just send out the contributions details.","start":350.135,"end":353.35498,"sentiment":"neutral","sentiment_score":0.2876289188861847},{"text":"I'll see if I can get the contributions form for INT as well and make sure you do have that regardless of what you decide.","start":353.62997,"end":359.72998,"sentiment":"neutral","sentiment_score":0.21261324226856232},{"text":"Okay?","start":359.94998,"end":360.44998,"sentiment":"neutral","sentiment_score":0.09619400650262833}],"sentiment":"neutral","sentiment_score":0.23774493796130022,"channel":0,"num_words":36,"start":349.255,"end":360.44998},{"sentences":[{"text":"Yep.","start":360.745,"end":361.225,"sentiment":"neutral","sentiment_score":0.05218641459941864},{"text":"K.","start":361.225,"end":361.465,"sentiment":"neutral","sentiment_score":0.07998707890510559},{"text":"Thank you.","start":361.465,"end":362.1,"sentiment":"neutral","sentiment_score":0.2607908248901367}],"sentiment":"neutral","sentiment_score":0.16343878582119942,"channel":1,"num_words":4,"start":360.745,"end":362.1},{"sentences":[{"text":"That's okay.","start":362.59,"end":363.47,"sentiment":"neutral","sentiment_score":0.20714356750249863},{"text":"Not a problem at all, Casper.","start":363.47,"end":365.09,"sentiment":"neutral","sentiment_score":0.19375116129716238},{"text":"Is there any questions that might pop up at the moment that you want me to sort of look at, or are you happy just to have a look at the document when it comes through?","start":365.47,"end":372.17502,"sentiment":"neutral","sentiment_score":0.0714620521499051},{"text":"Yeah.","start":374.075,"end":374.575,"sentiment":"neutral","sentiment_score":0.04816678911447525},{"text":"Beautiful.","start":375.595,"end":376.095,"sentiment":"neutral","sentiment_score":0.12008551508188248}],"sentiment":"neutral","sentiment_score":0.09386261487784593,"channel":0,"num_words":46,"start":362.59,"end":376.095},{"sentences":[{"text":"Yeah.","start":375.685,"end":375.845,"sentiment":"neutral","sentiment_score":0.004677392542362213},{"text":"I don't think everybody just wanna get as much in the super as they can 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and get as much money into super and have it working as hard as possible.","start":384.09,"end":388.65,"sentiment":"neutral","sentiment_score":-0.02975576049224897},{"text":"I completely understand.","start":388.65,"end":389.87,"sentiment":"neutral","sentiment_score":0.030790244539578755},{"text":"Yeah.","start":390.25,"end":390.72998,"sentiment":"neutral","sentiment_score":0.0852099061012268},{"text":"You worked really hard, and you deserve to have the best retirement outcome you can possibly 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go.","start":400.53497,"end":401.41498,"sentiment":"positive","sentiment_score":0.40075246095657346},{"text":"I hope you have a restful day.","start":401.41498,"end":403.01498,"sentiment":"positive","sentiment_score":0.4538748136588505},{"text":"Feel better soon, and I'll get that email updated and resent to you.","start":403.01498,"end":406.85498,"sentiment":"positive","sentiment_score":0.36291438799638015},{"text":"Hopefully, it pops through fairly 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Casper.","start":411.55,"end":412.50998,"sentiment":"positive","sentiment_score":0.7639461954434713},{"text":"You too.","start":412.50998,"end":412.99,"sentiment":"positive","sentiment_score":0.629873514175415},{"text":"Look after yourself.","start":412.99,"end":413.94998,"sentiment":"positive","sentiment_score":0.4945121705532074},{"text":"I hope you feel better soon.","start":413.94998,"end":415.49,"sentiment":"positive","sentiment_score":0.6214607010285059}],"sentiment":"positive","sentiment_score":0.6259918808937073,"channel":0,"num_words":14,"start":411.55,"end":415.49},{"sentences":[{"text":"Thank you.","start":416.005,"end":416.825,"sentiment":"positive","sentiment_score":0.714097648859024}],"sentiment":"positive","sentiment_score":0.714097648859024,"channel":1,"num_words":2,"start":416.005,"end":416.825},{"sentences":[{"text":"Thank","start":417.06998,"end":417.38998,"sentiment":"positive","sentiment_score":0.5881526470184326}],"sentiment":"positive","sentiment_score":0.5881526470184326,"channel":0,"num_words":1,"start":417.06998,"end":417.38998},{"sentences":[{"text":"Bye.","start":417.285,"end":417.78293,"sentiment":"positive","sentiment_score":0.48932406306266785}],"sentiment":"positive","sentiment_score":0.48932406306266785,"channel":1,"num_words":1,"start":417.285,"end":417.78293},{"sentences":[{"text":"you.","start":417.38998,"end":417.71,"sentiment":"positive","sentiment_score":0.453376978635788},{"text":"See you later.","start":417.71,"end":418.43,"sentiment":"positive","sentiment_score":0.4392499625682831},{"text":"Bye.","start":418.43,"end":418.93,"sentiment":"neutral","sentiment_score":-0.09732844680547714}],"sentiment":"positive","sentiment_score":0.33475968390703204,"channel":0,"num_words":5,"start":417.38998,"end":418.93}]},"summary":{"result":"success","short":"The agent informs the customer that they have a gap in their retirement plan and that they need to work longer than age 60 to boost their sleep and retirement outcomes. The agent also explains that the customer's estate planning will update their beneficiaries and that they can update their beneficiary through a power of attorney or a will. The agent will update the customer's beneficiary and retain their insurance within I n g. The customer is advised to read the recommendations and risks and to sign and return the documents."},"intents":{"segments":[{"text":"I always wanted to build It's it. it's completely up to them. So what happens at the time of claim is they get a withdrawal form. We can either help her to have those funds moved into a super pension account so she can draw regular income and keep the money invested, or she can withdraw that out solely as cash. That is up to her, and she can do it either way. Okay. Alright.","start_word":462,"end_word":536,"intents":[{"intent":"Implement plan","confidence_score":0.0010164193}]},{"text":"So what happens at the time of claim is they get a withdrawal form. We can either help her to have those funds moved into a super pension account so she can draw regular income and keep the money invested, or she can withdraw that out solely as cash. That is up to her, and she can do it either way. Okay. Alright.","start_word":474,"end_word":536,"intents":[{"intent":"Explain process","confidence_score":0.01959125}]},{"text":"Alright. Yeah. Thank Yeah. That's okay. It's not a problem at all. It's good that you asked those of the questions. It's what we're here for. And if there's anything that's, you know, you're ever unsure you. about, please let me know. Okay?","start_word":536,"end_word":578,"intents":[{"intent":"Clarify instructions","confidence_score":0.00117716}]},{"text":"Thank Yeah.","start_word":538,"end_word":539,"intents":[{"intent":"Confirm understanding","confidence_score":0.1164347}]},{"text":"It's not a problem at all. It's good that you asked those of the questions. It's what we're here for. And if there's anything that's, you know, you're ever unsure you. about, please let me know. Okay? Alright.","start_word":542,"end_word":579,"intents":[{"intent":"Ask questions","confidence_score":0.0030892952},{"intent":"Ask questions","confidence_score":0.009129731}]},{"text":"The other side of that is just making sure with the estate planning that you do have your power of attorney and your will updated. Your beneficiary nominations look after your life insurance and your super. However, you've also got other assets outside of those two things, so your cars, your savings accounts, and your homes, and all those sorts of things. So those sorts of assets all need to be added into a state planning through a will.","start_word":584,"end_word":662,"intents":[{"intent":"Clarify assets","confidence_score":0.001371277}]},{"text":"We're just gonna retain Netwealth contributions need to sorry. Retain ING.","start_word":841,"end_word":851,"intents":[{"intent":"Retain netwealth contributions","confidence_score":0.19715585}]},{"text":"Contributions to go into ING. We'll keep 10,000 in ING and have that money invested in a high growth portfolio.","start_word":854,"end_word":873,"intents":[{"intent":"Maintain ing and ing","confidence_score":0.0007878873}]},{"text":"We do know there's an expected capital gains consequence, but you're also paying less fees in hub twenty four, have the funds invested for you, update your beneficiary nominations, and retain your insurance within I n g there. Does that make sense?","start_word":895,"end_word":936,"intents":[{"intent":"Update beneficiary nominations and maintain insurance in new zealand","confidence_score":1.5996837e-7}]},{"text":"I'm just looking at my emails. I still haven't received anything. Still haven't?","start_word":938,"end_word":950,"intents":[{"intent":"Review emails and resend email","confidence_score":0.00021077895}]},{"text":"So I'll give that a crack and see if it works for you. If you don't receive it by the end of the day, please let me know. Okay? Yeah.","start_word":984,"end_word":1013,"intents":[{"intent":"Provide information","confidence_score":0.026566893}]},{"text":"I'll go back in and just fix that up and see if I can get that resent to you shortly.","start_word":1014,"end_word":1033,"intents":[{"intent":"Fix issue","confidence_score":0.035363164}]},{"text":"Not a problem at all, Casper. Is there any questions that might pop up at the moment that you want me to sort of look at, or are you happy just to have a look at the document when it comes through? Yeah.","start_word":1165,"end_word":1207,"intents":[{"intent":"Request clarification","confidence_score":0.00045047028}]}]},"sentiments":{"segments":[{"text":"Hi, Casper. It's Dana.","start_word":0,"end_word":3,"sentiment":"neutral","sentiment_score":0.1437868773937225},{"text":"All good? Well, good. Thank you. Appreciate it.","start_word":4,"end_word":11,"sentiment":"positive","sentiment_score":0.567789614200592},{"text":"That's okay. Look. I don't want you to be in pain. It's always good to go. So you just let me know if you Yep. ever need to stop. It's not an issue at all.","start_word":12,"end_word":46,"sentiment":"neutral","sentiment_score":0.05644521862268448},{"text":"Thank you. All good.","start_word":47,"end_word":50,"sentiment":"positive","sentiment_score":0.4683544635772705},{"text":"Now what I was sort of saying, the last thing here was, essentially, with the projected outcome, your goal was that at 60, you were wanting to sort of draw income of 150,000 from both super and also your business back in New Zealand there. The main thing is when I project this forward over the next ten years, the projected outcome in your current scenario lands you with about 292,000. With the recommended, we can see that increase to about 358,000. However, it still doesn't quite meet your goal. So moving forward, No. as we review things after the advice is implemented, we're still gonna have to look at other strategies, maybe increasing contributions, utilizing some catch up contributions, and other strategies moving forward to boost your sleep even more because it isn't quite meeting your goal. It is leaving a No. bit of a gap there for retirement. It may also mean that we may need to work longer than age 60 as well depending on your circumstances and what you're comfortable with. So I just wanted to let you know and be open that we've projected out as much as we can, and that there is still a gap, and there's other things that we're gonna have to do down the track to help you along as well. Okay? Yep. Yeah. Hold it. Yep. All good. Essentially, the other side of that is when we do open the new super account in hub twenty four, we're gonna update the beneficiaries, making sure that they are applied the same as they are in Netwealth and ING and making sure that they are nominated to your wife as a binding non lapsing nomination. Just making sure that Yes. in the event of you passing, we don't want that to happen.","start_word":51,"end_word":351,"sentiment":"neutral","sentiment_score":0.010110483167575445},{"text":"I want you to get to retirement, enjoy your years, and have a great retirement outcome. But in the event that something was to happen, it would does make it easier for your wife to be able to claim if those beneficiaries are in place.","start_word":352,"end_word":396,"sentiment":"positive","sentiment_score":0.4858849048614502},{"text":"So we've done that with Netwealth and ING. We'll make sure that's applied to Hub twenty four for you as well. Okay? Yeah. Quick question. Say if Absolutely. hopefully, for let's say something happens to be before retirement, Yes. and I pass away, the money Mhmm. that goes to your beneficiary, does that go into their super, or do they actually get it as cash? I always wanted to build It's it. it's completely up to them. So what happens at the time of claim is they get a withdrawal form. We can either help her to have those funds moved into a super pension account so she can draw regular income and keep the money invested, or she can withdraw that out solely as cash. That is up to her, and she can do it either way. Okay. Alright. Yeah.","start_word":397,"end_word":537,"sentiment":"neutral","sentiment_score":0.07474494725465775},{"text":"Thank Yeah. That's okay. It's not a problem at all. It's good that you asked those of the questions. It's what we're here for.","start_word":538,"end_word":561,"sentiment":"positive","sentiment_score":0.4854949116706848},{"text":"And if there's anything that's, you know, you're ever unsure you. about, please let me know. Okay? Alright.","start_word":562,"end_word":579,"sentiment":"neutral","sentiment_score":0.06605958938598633},{"text":"Thank you.","start_word":580,"end_word":581,"sentiment":"positive","sentiment_score":0.3608447313308716},{"text":"Oh, good. The other side of that is just making sure with the estate planning that you do have your power of attorney and your will updated. Your beneficiary nominations look after your life insurance and your super. However, you've also got other assets outside of those two things, so your cars, your savings accounts, and your homes, and all those sorts of things. So those sorts of assets all need to be added into a state planning through a will. So speaking to a local solicitor, probably in New Zealand as that's where most of your assets are are probably located at the moment and making sure that you do have a will updated and relevant to your circumstances and also making sure about a power of attorney is set up. So a power of attorney essentially appoints someone to assist and make decisions on your behalf in the event that you're unable to do so. So a really good example of that is if you were to have a car accident and you were in hospital and possibly in a coma or just incapacitated, so you're not able to make your own decisions, and you appoint someone through a power of attorney to be able to come and make those medical and financial decisions for you, and they follow a direction that you've outlaid as to what you want them or how you want them to react in the event something was to happen. Okay? Okay.","start_word":582,"end_word":829,"sentiment":"neutral","sentiment_score":0.10304532632712396},{"text":"Thank you.","start_word":830,"end_word":831,"sentiment":"positive","sentiment_score":0.47842106223106384},{"text":"That's okay. That is essentially all the recommendations there. We're just gonna retain Netwealth contributions need to sorry. Retain ING. I apologize. Contributions to go into ING. We'll keep 10,000 in ING and have that money invested in a high growth portfolio.","start_word":832,"end_word":873,"sentiment":"neutral","sentiment_score":0.1258433759212494},{"text":"We'll also then move out of net wealth and into hub twenty four, which is cheaper, more cost effective for you.","start_word":874,"end_word":894,"sentiment":"positive","sentiment_score":0.34679755568504333},{"text":"We do know there's an expected capital gains consequence, but you're also paying less fees in hub twenty four, have the funds invested for you, update your beneficiary nominations, and retain your insurance within I n g there. Does that make sense? Yeah. I'm just looking at my emails.","start_word":895,"end_word":943,"sentiment":"neutral","sentiment_score":0.1938743144273758},{"text":"I still haven't received anything.","start_word":944,"end_word":948,"sentiment":"negative","sentiment_score":-0.3564200699329376},{"text":"Still haven't? That's okay. What I'll do I'll go back into the back end and see if there's something.","start_word":949,"end_word":967,"sentiment":"neutral","sentiment_score":-0.22965364158153537},{"text":"I might need to void that email and resend it through you with another email.","start_word":968,"end_word":982,"sentiment":"negative","sentiment_score":-0.41175803542137146},{"text":"So I'll give that a crack and see if it works for you. If you don't receive it by the end of the day, please let me know. Okay? Yeah.","start_word":983,"end_word":1012,"sentiment":"neutral","sentiment_score":0.033342208713293076},{"text":"Beautiful.","start_word":1013,"end_word":1013,"sentiment":"positive","sentiment_score":0.5136692523956299},{"text":"I'll go back in and just fix that up and see if I can get that resent to you shortly. Hopefully, it comes through in the next hour or two. But if it doesn't come through by today, please let me know. When the document comes through, have a really good read of the recommendations, the advantages, the disadvantages, the risks involved, and let me know if you do happen to have any questions there. If you're happy to take on those recommendations, we'll just get you to sign and return that document back to us so we can have it implemented for you. Okay? One current Thank you.","start_word":1014,"end_word":1122,"sentiment":"neutral","sentiment_score":0.2053909003734589},{"text":"Beautiful.","start_word":1123,"end_word":1123,"sentiment":"positive","sentiment_score":0.5586324334144592},{"text":"I will also just send out the contributions details. I'll see if I can get the contributions form for INT as well and make sure you do have that regardless of what you decide. Okay? Yep. K. Thank you. That's okay. Not a problem at all, Casper. Is there any questions that might pop up at the moment that you want me to sort of look at, or are you happy just to have a look at the document when it comes through? Yeah. Beautiful. Yeah. I don't think everybody just wanna get as much in the super as they can with Absolutely. the least. So Absolutely. Save as much fees as you can and get as much money into super and have it working as hard as possible. I completely understand. Yeah. You worked really hard, and you deserve to have the best retirement outcome you can possibly get. Okay? Alright.","start_word":1124,"end_word":1275,"sentiment":"neutral","sentiment_score":0.09729848057031631},{"text":"Thank you. My pleasure, Casper. I will let you go. I hope you have a restful day. Feel better soon, and I'll get that email updated and resent to you.","start_word":1276,"end_word":1305,"sentiment":"positive","sentiment_score":0.4014107584953308},{"text":"Hopefully, it pops through fairly quickly. Okay? Alright.","start_word":1306,"end_word":1313,"sentiment":"neutral","sentiment_score":0.2713563144207001},{"text":"Thank you very much. You have a good day. Thank you, Casper. You too. Look after yourself. I hope you feel better soon. Thank you. Thank Bye. you. See you later.","start_word":1314,"end_word":1344,"sentiment":"positive","sentiment_score":0.5677369736856029},{"text":"Bye.","start_word":1345,"end_word":1345,"sentiment":"neutral","sentiment_score":0.21034125983715057}],"average":{"sentiment":"neutral","sentiment_score":0.12482154732193812}}}}