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Like I said, usually, my headset's you gotta put it on a stand and it charges overnight. And I just didn't quite connect it correctly when I left the last night. So I just feel feel pretty silly about it, mate. But I do apologize. But yeah. Look. If you can't if you can't hear me and you can't understand anything, then just let me know, and we'll work something else out. Alright? Beautiful. Now, Robbie, I've sent you out a what we call a audio sign for the statement of advice to just run through the numbers, go through the presentation, make sure that you understand what the recommendations are from a super insurance and state planning point of view. Have you received that email? Beautiful. So if you just wanna open that up, you should be looking at the front page. It says O. P. Financial statement of advice prepared to Ravi Kumar with a picture of the Gold Coast in the background. You're looking at that page? Yeah. No. That's alright. Take your time. Yeah. Click sign documents, but I don't want you to sign the documents just yet. So I just want you to open up the document so that you're looking up that front page. Beautiful. Alright. So I think the best way to what I found is the best way to go through these documents is go page by page and I'll just follow along or you follow along with me, and I'll walk you through this document. So this document is called a statement of advice. It is a legally binding document. It for financial advisers like myself to provide any sort of personalized financial advice or recommend a product or anything along those lines. We have to do that by way of statement of advice, and that's what this document is. So like I said, legally binding documents. It's for yourself as made as of the August 12. So two days ago, 2026, prepared by myself, Severiano Zata. If you wanted to know the full name, I didn't really have a choice in the matter. It just came on after they gave me. But, Sebi, is a lot yes. And my my authorized representative number under ASIC and federal government is 1259315, and I'm licensed under Oakview Financial as an Australian financial services license with their AIPOCILL number well, my AIPOCILL number, should I say, of 513068. And there's all the details underneath. That'll make sense? That's alright. Beautiful. Next page is just a little bit more about this document and probably the most important part of this whole document is best interest duty. So we call this in the industry bids. Best interest duty means it's just in writing in the in the document itself outlining that I've got a common law judiciary duty to uphold and that's to look after your best interest. And not my own or not your neighbors, not anybody else's because if I look after my own interest instead of your best interest, then I could lose my license, my company. And you seem like a nice guy, Ravi, but I I wouldn't be willing to do that for for you or any client, to be of that matter. So, yeah, it's just outlining what steps we have to take and how we have to do that. And this document above that is just outlining exactly what I explained before. Okay? Beautiful. Now next page, it says page two of the actual page numbers, but obviously it's page three, inclusive of the front cover. So I'll just go through as per the page numbers. So page two is table of contents, pretty self explanatory. But page three, I just wanna make sure that what my we we we understand each other, and I understand your goals and objectives and why we're putting this document together. Okay? So this is called scope of advice. And I've I've considered giving you advice, and I'm gonna give you advice on superannuation as well as personal insurance and some estate planning as well, making sure your beneficiaries are set up correct. And then I'll move on to what we have in scoped into this advice, which is personal investment and property recommendations. Okay? So so I just wanna read these out to you, make sure that we're on the same page. Superannuation goal. Following this review, you would like to ensure that your superannuation is invested as per your current risk tolerance and time horizon to get the most out of your investments. And that's for the purpose of retirement. So in retirement, you'd like to be able to be debt free and be able to live a comfortable lifestyle and enjoy your golden years. You would like to retire by the age of 60 with an ideal income of $1,500 a week. Is that correct? Beautiful. And personal insurance. Now I've also scoped this in because we as we identified, you know, we wanna make sure that you're covered. And if you are paying premiums recovered, you wanna make sure you're covered for enough. K? And I'll walk you through that a little bit. But from a goal perspective, personal insurance, you would like to explore all forms of color to ensure that you are adequately covered in the event that anything were to happen to you or your partner's lifestyle or anything to you, so that your partner's lifestyle would not be affected by any unforeseen kind of tragic event. Alright? Beautiful. Now keep in mind, I've given a recommendation on top of the life for total permanent disability, which you currently have through Hostplus. I'm also recommending income protection and trauma linked to a life policy that you pay out of your back pocket. This keep in mind that this document is only a recommendation. So we can adjust it. We can change things. We can we we don't you don't have to go with the trauma policy. You can you can structure everything inside super if you like. But just from a recommendation best interest point of view, that's what we're gonna be recommending, and then we can discuss it afterwards. Alright? Beautiful. And after that, it's estate planning. You would like to have you you'd like to have your partner as the recipient of your estate if you were to, let's say, fall off your perch. After something happens to you, cross the road, bypass something like that, then you wanna make sure that, you know, your partner is the one that gets the gets gets all of your assets and the superannuation, things like that. So we're gonna we're gonna have a look at. We're gonna I'm gonna recommend setting up a will and power of attorney. But for the super insurance, we're gonna make sure that your partner's the binding, non lapsing beneficiary nomination for that. Okay? Do you have any questions about those? Oh, okay. Okay. No. That's alright. What what what I might do is I might call you off my work mobile. How does that sound? Anything better than yeah. No. No. That's okay. That's okay. What I'm gonna do is just give you a call directly off the work mobile. If you prefer, what I can do, because I'm I'm the the problem is I'm my headset's been working from my home computer. Do you have access to the calendar invite? If you prefer, we can just jump on that and actually go through Google Meet if you like. Yeah. Yeah. Did you want did you wanna set that up? Yeah. Yeah. So it should be in there. And do you mind if I get Gemini to take notes? Or Yep. Beautiful. Beautiful. So if you open up the do you have g Google Suites or Gmail or anything like that? Beautiful. So if you go on to your calendar, your Google Calendar, and you actually click on the invite itself, there should be a blue link that says, you know, join by Google Meet. So I'm just closing closing my blinds in my home office as it can be fairly glary. Beautiful. Let me set this up. There should be a there should be a little blue box that says, you know, join via via Google Meet, and then I will admit you in, and we'll go from there. Amazing. Alright. I'm just jumping in. I'll speak to you soon. Beautiful. Thanks. 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bravo. You bet? Beautiful. Is that a bit better? Or okay.\n\nWe can make it work. Yeah. I apologize about that. Like I said, usually, my headset's you gotta put it on a stand and it charges overnight. And I just didn't quite connect it correctly when I left the last night.\n\nSo I just feel feel pretty silly about it, mate. But I do apologize. But yeah. Look. If you can't if you can't hear me and you can't understand anything, then just let me know, and we'll work something else out.\n\nAlright? Beautiful. Now, Robbie, I've sent you out a what we call a audio sign for the statement of advice to just run through the numbers, go through the presentation, make sure that you understand what the recommendations are from a super insurance and state planning point of view. Have you received that email? Beautiful.\n\nSo if you just wanna open that up, you should be looking at the front page. It says O. P. Financial statement of advice prepared to Ravi Kumar with a picture of the Gold Coast in the background. You're looking at that page?\n\nYeah. No. That's alright. Take your time. Yeah.\n\nClick sign documents, but I don't want you to sign the documents just yet. So I just want you to open up the document so that you're looking up that front page. Beautiful. Alright. So I think the best way to what I found is the best way to go through these documents is go page by page and I'll just follow along or you follow along with me, and I'll walk you through this document.\n\nSo this document is called a statement of advice. It is a legally binding document. It for financial advisers like myself to provide any sort of personalized financial advice or recommend a product or anything along those lines. We have to do that by way of statement of advice, and that's what this document is. So like I said, legally binding documents.\n\nIt's for yourself as made as of the August 12. So two days ago, 2026, prepared by myself, Severiano Zata. If you wanted to know the full name, I didn't really have a choice in the matter. It just came on after they gave me. But, Sebi, is a lot yes.\n\nAnd my my authorized representative number under ASIC and federal government is 1259315, and I'm licensed under Oakview Financial as an Australian financial services license with their AIPOCILL number well, my AIPOCILL number, should I say, of 513068. And there's all the details underneath. That'll make sense? That's alright. Beautiful.\n\nNext page is just a little bit more about this document and probably the most important part of this whole document is best interest duty. So we call this in the industry bids. Best interest duty means it's just in writing in the in the document itself outlining that I've got a common law judiciary duty to uphold and that's to look after your best interest. And not my own or not your neighbors, not anybody else's because if I look after my own interest instead of your best interest, then I could lose my license, my company. And you seem like a nice guy, Ravi, but I I wouldn't be willing to do that for for you or any client, to be of that matter.\n\nSo, yeah, it's just outlining what steps we have to take and how we have to do that. And this document above that is just outlining exactly what I explained before. Okay? Beautiful. Now next page, it says page two of the actual page numbers, but obviously it's page three, inclusive of the front cover.\n\nSo I'll just go through as per the page numbers. So page two is table of contents, pretty self explanatory. But page three, I just wanna make sure that what my we we we understand each other, and I understand your goals and objectives and why we're putting this document together. Okay? So this is called scope of advice.\n\nAnd I've I've considered giving you advice, and I'm gonna give you advice on superannuation as well as personal insurance and some estate planning as well, making sure your beneficiaries are set up correct. And then I'll move on to what we have in scoped into this advice, which is personal investment and property recommendations. Okay? So so I just wanna read these out to you, make sure that we're on the same page. Superannuation goal.\n\nFollowing this review, you would like to ensure that your superannuation is invested as per your current risk tolerance and time horizon to get the most out of your investments. And that's for the purpose of retirement. So in retirement, you'd like to be able to be debt free and be able to live a comfortable lifestyle and enjoy your golden years. You would like to retire by the age of 60 with an ideal income of $1,500 a week. Is that correct?\n\nBeautiful. And personal insurance. Now I've also scoped this in because we as we identified, you know, we wanna make sure that you're covered. And if you are paying premiums recovered, you wanna make sure you're covered for enough. K?\n\nAnd I'll walk you through that a little bit. But from a goal perspective, personal insurance, you would like to explore all forms of color to ensure that you are adequately covered in the event that anything were to happen to you or your partner's lifestyle or anything to you, so that your partner's lifestyle would not be affected by any unforeseen kind of tragic event. Alright? Beautiful. Now keep in mind, I've given a recommendation on top of the life for total permanent disability, which you currently have through Hostplus.\n\nI'm also recommending income protection and trauma linked to a life policy that you pay out of your back pocket. This keep in mind that this document is only a recommendation. So we can adjust it. We can change things. We can we we don't you don't have to go with the trauma policy.\n\nYou can you can structure everything inside super if you like. But just from a recommendation best interest point of view, that's what we're gonna be recommending, and then we can discuss it afterwards. Alright? Beautiful. And after that, it's estate planning.\n\nYou would like to have you you'd like to have your partner as the recipient of your estate if you were to, let's say, fall off your perch. After something happens to you, cross the road, bypass something like that, then you wanna make sure that, you know, your partner is the one that gets the gets gets all of your assets and the superannuation, things like that. So we're gonna we're gonna have a look at. We're gonna I'm gonna recommend setting up a will and power of attorney. But for the super insurance, we're gonna make sure that your partner's the binding, non lapsing beneficiary nomination for that.\n\nOkay? Do you have any questions about those? Oh, okay. Okay. No.\n\nThat's alright. What what what I might do is I might call you off my work mobile. How does that sound? Anything better than yeah. No.\n\nNo. That's okay. That's okay. What I'm gonna do is just give you a call directly off the work mobile. If you prefer, what I can do, because I'm I'm the the problem is I'm my headset's been working from my home computer.\n\nDo you have access to the calendar invite? If you prefer, we can just jump on that and actually go through Google Meet if you like. Yeah. Yeah. Did you want did you wanna set that up?\n\nYeah. Yeah. So it should be in there. And do you mind if I get Gemini to take notes? Or Yep.\n\nBeautiful. Beautiful. So if you open up the do you have g Google Suites or Gmail or anything like that? Beautiful. So if you go on to your calendar, your Google Calendar, and you actually click on the invite itself, there should be a blue link that says, you know, join by Google Meet.\n\nSo I'm just closing closing my blinds in my home office as it can be fairly glary. Beautiful. Let me set this up. There should be a there should be a little blue box that says, you know, join via via Google Meet, and then I will admit you in, and we'll go from there. Amazing.\n\nAlright. I'm just jumping in. I'll speak to you soon. Beautiful. Thanks.\n\nBye.","paragraphs":[{"sentences":[{"text":"Oh, bravo.","start":6.0,"end":6.56,"sentiment":"neutral","sentiment_score":0.2634754329919815},{"text":"You bet?","start":6.56,"end":7.22,"sentiment":"neutral","sentiment_score":0.15220795571804047},{"text":"Beautiful.","start":9.12,"end":9.5199995,"sentiment":"positive","sentiment_score":0.662819504737854},{"text":"Is that a bit better?","start":9.5199995,"end":10.48,"sentiment":"neutral","sentiment_score":0.25418401062488555},{"text":"Or okay.","start":10.48,"end":16.575,"sentiment":"neutral","sentiment_score":0.13674363493919373}],"sentiment":"neutral","sentiment_score":0.25321613376339275,"num_words":12,"start":6.0,"end":16.575},{"sentences":[{"text":"We can make it work.","start":16.575,"end":17.455,"sentiment":"positive","sentiment_score":0.37485820055007935},{"text":"Yeah.","start":17.455,"end":17.575,"sentiment":"neutral","sentiment_score":-0.01491248980164528},{"text":"I apologize about that.","start":17.575,"end":18.735,"sentiment":"neutral","sentiment_score":-0.25666895508766174},{"text":"Like I said, usually, my headset's you gotta put it on a stand and it charges overnight.","start":18.735,"end":24.195,"sentiment":"neutral","sentiment_score":-0.1767468991525033},{"text":"And I just didn't quite connect it correctly when I left the last night.","start":24.255001,"end":29.26,"sentiment":"neutral","sentiment_score":-0.3010449441415923}],"sentiment":"neutral","sentiment_score":-0.1557713124628474,"num_words":41,"start":16.575,"end":29.26},{"sentences":[{"text":"So I just feel feel pretty silly about it, mate.","start":29.26,"end":32.3,"sentiment":"negative","sentiment_score":-0.452802312374115},{"text":"But I do apologize.","start":32.3,"end":33.52,"sentiment":"neutral","sentiment_score":-0.17998164147138596},{"text":"But yeah.","start":33.66,"end":34.22,"sentiment":"neutral","sentiment_score":-0.08245188742876053},{"text":"Look.","start":34.22,"end":34.38,"sentiment":"neutral","sentiment_score":-0.06353478133678436},{"text":"If you can't if you can't hear me and you can't understand anything, then just let me know, and we'll work something else out.","start":34.38,"end":40.86,"sentiment":"neutral","sentiment_score":-0.21440506291886172}],"sentiment":"neutral","sentiment_score":-0.2590758477042361,"num_words":41,"start":29.26,"end":40.86},{"sentences":[{"text":"Alright?","start":40.86,"end":41.36,"sentiment":"neutral","sentiment_score":-0.02167348377406597},{"text":"Beautiful.","start":44.585,"end":45.085,"sentiment":"positive","sentiment_score":0.4465254545211792},{"text":"Now, Robbie, I've sent you out a what we call a audio sign for the statement of advice to just run through the numbers, go through the presentation, make sure that you understand what the recommendations are from a super insurance and state planning point of view.","start":45.225,"end":58.01,"sentiment":"neutral","sentiment_score":0.11087852625295203},{"text":"Have you received that email?","start":58.79,"end":60.17,"sentiment":"neutral","sentiment_score":0.0426985178142786},{"text":"Beautiful.","start":62.79,"end":63.29,"sentiment":"positive","sentiment_score":0.35335594415664673}],"sentiment":"neutral","sentiment_score":0.1127816588702527,"num_words":55,"start":40.86,"end":63.29},{"sentences":[{"text":"So if you just wanna open that up, you should be looking at the front page.","start":63.43,"end":67.13,"sentiment":"neutral","sentiment_score":0.08223518286831677},{"text":"It says O.","start":67.35,"end":68.07,"sentiment":"neutral","sentiment_score":0.028785183404882748},{"text":"P.","start":68.07,"end":68.31,"sentiment":"neutral","sentiment_score":0.018582602962851524},{"text":"Financial statement of advice prepared to Ravi Kumar with a picture of the Gold Coast in the background.","start":68.31,"end":72.525,"sentiment":"neutral","sentiment_score":0.06778088936375247},{"text":"You're looking at that page?","start":74.605,"end":75.825005,"sentiment":"neutral","sentiment_score":0.017472473531961442}],"sentiment":"neutral","sentiment_score":0.06344463849483534,"num_words":43,"start":63.43,"end":75.825005},{"sentences":[{"text":"Yeah.","start":79.645004,"end":79.965004,"sentiment":"neutral","sentiment_score":0.010043196380138395},{"text":"No.","start":79.965004,"end":80.125,"sentiment":"neutral","sentiment_score":-0.043699733912944794},{"text":"That's alright.","start":80.125,"end":80.685,"sentiment":"neutral","sentiment_score":0.006851302459836007},{"text":"Take your time.","start":80.685,"end":81.505005,"sentiment":"neutral","sentiment_score":0.05142507329583168},{"text":"Yeah.","start":97.555,"end":97.955,"sentiment":"neutral","sentiment_score":-0.01392115280032158}],"sentiment":"neutral","sentiment_score":0.015050016809254885,"num_words":8,"start":79.645004,"end":97.955},{"sentences":[{"text":"Click sign documents, but I don't want you to sign the documents just yet.","start":97.955,"end":101.315,"sentiment":"neutral","sentiment_score":-0.08369192161730357},{"text":"So I just want you to open up the document so that you're looking up that front page.","start":101.315,"end":105.735,"sentiment":"neutral","sentiment_score":0.03648991768972741},{"text":"Beautiful.","start":110.15,"end":110.63,"sentiment":"positive","sentiment_score":0.4265096783638001},{"text":"Alright.","start":110.63,"end":111.03,"sentiment":"neutral","sentiment_score":-0.0119118457660079},{"text":"So I think the best way to what I found is the best way to go through these documents is go page by page and I'll just follow along or you follow along with me, and I'll walk you through this document.","start":111.03,"end":122.63,"sentiment":"neutral","sentiment_score":0.18156633543826284}],"sentiment":"neutral","sentiment_score":0.09901994127339046,"num_words":76,"start":97.955,"end":122.63},{"sentences":[{"text":"So this document is called a statement of advice.","start":122.63,"end":124.729996,"sentiment":"neutral","sentiment_score":0.07883981863657634},{"text":"It is a legally binding document.","start":124.955,"end":127.295,"sentiment":"neutral","sentiment_score":0.04389640626808008},{"text":"It for financial advisers like myself to provide any sort of personalized financial advice or recommend a product or anything along those lines.","start":128.075,"end":136.335,"sentiment":"neutral","sentiment_score":0.06942561495563258},{"text":"We have to do that by way of statement of advice, and that's what this document is.","start":136.475,"end":140.58,"sentiment":"neutral","sentiment_score":0.0651584679589552},{"text":"So like I said, legally binding documents.","start":140.82,"end":143.32,"sentiment":"neutral","sentiment_score":0.05314283658351217}],"sentiment":"neutral","sentiment_score":0.06531322194683936,"num_words":62,"start":122.63,"end":143.32},{"sentences":[{"text":"It's for yourself as made as of the August 12.","start":143.62,"end":146.76,"sentiment":"neutral","sentiment_score":0.03671300858259201},{"text":"So two days ago, 2026, prepared by myself, Severiano Zata.","start":146.82,"end":151.3,"sentiment":"neutral","sentiment_score":0.020533816888928413},{"text":"If you wanted to know the full name, I didn't really have a choice in the matter.","start":151.3,"end":155.22,"sentiment":"neutral","sentiment_score":-0.07766182895968943},{"text":"It just came on after they gave me.","start":155.22,"end":157.015,"sentiment":"neutral","sentiment_score":-0.02886542840860784},{"text":"But, Sebi, is a lot yes.","start":157.015,"end":158.635,"sentiment":"neutral","sentiment_score":0.16789928202827772}],"sentiment":"neutral","sentiment_score":0.0005625377902213265,"num_words":51,"start":143.62,"end":158.635},{"sentences":[{"text":"And my my authorized representative number under ASIC and federal government is 1259315, and I'm licensed under Oakview Financial as an Australian financial services license with their AIPOCILL number well, my AIPOCILL number, should I say, of 513068.","start":158.855,"end":176.49,"sentiment":"neutral","sentiment_score":0.08498245556103556},{"text":"And there's all the details underneath.","start":176.49,"end":178.11,"sentiment":"neutral","sentiment_score":0.05293707984189192},{"text":"That'll make sense?","start":178.25,"end":179.31,"sentiment":"neutral","sentiment_score":0.07416454950968425},{"text":"That's alright.","start":182.01001,"end":182.57,"sentiment":"positive","sentiment_score":0.47028906643390656},{"text":"Beautiful.","start":182.57,"end":183.07,"sentiment":"positive","sentiment_score":0.5637636184692383}],"sentiment":"neutral","sentiment_score":0.10547582380473614,"num_words":50,"start":158.855,"end":183.07},{"sentences":[{"text":"Next page is just a little bit more about this document and probably the most important part of this whole document is best interest duty.","start":183.13,"end":190.125,"sentiment":"neutral","sentiment_score":0.07246578335762024},{"text":"So we call this in the industry bids.","start":190.585,"end":192.845,"sentiment":"neutral","sentiment_score":0.032700743060559034},{"text":"Best interest duty means it's just in writing in the in the document itself outlining that I've got a common law judiciary duty to uphold and that's to look after your best interest.","start":193.54501,"end":203.8,"sentiment":"neutral","sentiment_score":0.03864085245313066},{"text":"And not my own or not your neighbors, not anybody else's because if I look after my own interest instead of your best interest, then I could lose my license, my company.","start":204.09999,"end":213.805,"sentiment":"negative","sentiment_score":-0.3392982785589993},{"text":"And you seem like a nice guy, Ravi, but I I wouldn't be willing to do that for for you or any client, to be of that matter.","start":215.385,"end":222.045,"sentiment":"negative","sentiment_score":-0.5110223330557346}],"sentiment":"neutral","sentiment_score":-0.17315691730214489,"num_words":126,"start":183.13,"end":222.045},{"sentences":[{"text":"So, yeah, it's just outlining what steps we have to take and how we have to do that.","start":222.745,"end":226.92,"sentiment":"neutral","sentiment_score":0.09081541664070553},{"text":"And this document above that is just outlining exactly what I explained before.","start":228.12,"end":232.3,"sentiment":"neutral","sentiment_score":0.13289599865674973},{"text":"Okay?","start":232.84,"end":233.34,"sentiment":"neutral","sentiment_score":0.0959920585155487},{"text":"Beautiful.","start":234.76,"end":235.26,"sentiment":"positive","sentiment_score":0.6873971223831177},{"text":"Now next page, it says page two of the actual page numbers, but obviously it's page three, inclusive of the front cover.","start":236.12,"end":245.125,"sentiment":"neutral","sentiment_score":0.1082654216072776}],"sentiment":"neutral","sentiment_score":0.1186827988787131,"num_words":55,"start":222.745,"end":245.125},{"sentences":[{"text":"So I'll just go through as per the page numbers.","start":245.125,"end":247.625,"sentiment":"neutral","sentiment_score":0.07726726345717908},{"text":"So page two is table of contents, pretty self explanatory.","start":247.845,"end":251.065,"sentiment":"neutral","sentiment_score":0.09841925948858261},{"text":"But page three, I just wanna make sure that what my we we we understand each other, and I understand your goals and objectives and why we're putting this document together.","start":251.525,"end":260.72,"sentiment":"neutral","sentiment_score":0.08579749577949124},{"text":"Okay?","start":260.86,"end":261.26,"sentiment":"neutral","sentiment_score":0.047927092760801315},{"text":"So this is called scope of advice.","start":261.26,"end":262.96,"sentiment":"neutral","sentiment_score":0.058434605066265376}],"sentiment":"neutral","sentiment_score":0.0826026597770594,"num_words":59,"start":245.125,"end":262.96},{"sentences":[{"text":"And I've I've considered giving you advice, and I'm gonna give you advice on superannuation as well as personal insurance and some estate planning as well, making sure your beneficiaries are set up correct.","start":263.5,"end":274.265,"sentiment":"neutral","sentiment_score":0.12130735737874228},{"text":"And then I'll move on to what we have in scoped into this advice, which is personal investment and property recommendations.","start":275.525,"end":282.185,"sentiment":"neutral","sentiment_score":0.07857996420491309},{"text":"Okay?","start":282.885,"end":283.385,"sentiment":"neutral","sentiment_score":0.05622898042201996},{"text":"So so I just wanna read these out to you, make sure that we're on the same page.","start":284.74,"end":288.12,"sentiment":"neutral","sentiment_score":0.16820468794968393},{"text":"Superannuation goal.","start":288.65997,"end":290.19998,"sentiment":"neutral","sentiment_score":0.14502736926078796}],"sentiment":"neutral","sentiment_score":0.12037628291076735,"num_words":76,"start":263.5,"end":290.19998},{"sentences":[{"text":"Following this review, you would like to ensure that your superannuation is invested as per your current risk tolerance and time horizon to get the most out of your investments.","start":290.25998,"end":299.825,"sentiment":"neutral","sentiment_score":0.226305124660333},{"text":"And that's for the purpose of retirement.","start":299.885,"end":301.805,"sentiment":"neutral","sentiment_score":0.18495772566114152},{"text":"So in retirement, you'd like to be able to be debt free and be able to live a comfortable lifestyle and enjoy your golden years.","start":301.805,"end":308.525,"sentiment":"positive","sentiment_score":0.3758400464057922},{"text":"You would like to retire by the age of 60 with an ideal income of $1,500 a week.","start":308.525,"end":313.805,"sentiment":"neutral","sentiment_score":0.19168482969204584},{"text":"Is that correct?","start":313.805,"end":314.84,"sentiment":"neutral","sentiment_score":0.14013404647509256}],"sentiment":"neutral","sentiment_score":0.2572360006441553,"num_words":83,"start":290.25998,"end":314.84},{"sentences":[{"text":"Beautiful.","start":316.58002,"end":317.08002,"sentiment":"positive","sentiment_score":0.5614550709724426},{"text":"And personal insurance.","start":317.94,"end":319.24002,"sentiment":"neutral","sentiment_score":0.182831143339475},{"text":"Now I've also scoped this in because we as we identified, you know, we wanna make sure that you're covered.","start":319.86002,"end":325.22,"sentiment":"neutral","sentiment_score":0.10376379825174809},{"text":"And if you are paying premiums recovered, you wanna make sure you're covered for enough.","start":325.22,"end":328.755,"sentiment":"neutral","sentiment_score":0.07602926269173622},{"text":"K?","start":328.915,"end":329.155,"sentiment":"neutral","sentiment_score":0.05129501968622208}],"sentiment":"neutral","sentiment_score":0.10942396065220236,"num_words":40,"start":316.58002,"end":329.155},{"sentences":[{"text":"And I'll walk you through that a little bit.","start":329.155,"end":330.595,"sentiment":"neutral","sentiment_score":0.0832752754083938},{"text":"But from a goal perspective, personal insurance, you would like to explore all forms of color to ensure that you are adequately covered in the event that anything were to happen to you or your partner's lifestyle or anything to you, so that your partner's lifestyle would not be affected by any unforeseen kind of tragic event.","start":330.595,"end":349.09,"sentiment":"neutral","sentiment_score":0.14367975686725817},{"text":"Alright?","start":349.31,"end":349.81,"sentiment":"neutral","sentiment_score":0.10275014489889144},{"text":"Beautiful.","start":351.47,"end":351.97,"sentiment":"positive","sentiment_score":0.49837979674339294},{"text":"Now keep in mind, I've given a recommendation on top of the life for total permanent disability, which you currently have through Hostplus.","start":352.27002,"end":359.615,"sentiment":"neutral","sentiment_score":0.21245728433132172}],"sentiment":"neutral","sentiment_score":0.15853704507002137,"num_words":91,"start":329.155,"end":359.615},{"sentences":[{"text":"I'm also recommending income protection and trauma linked to a life policy that you pay out of your back pocket.","start":359.995,"end":365.775,"sentiment":"neutral","sentiment_score":0.10428806506097317},{"text":"This keep in mind that this document is only a recommendation.","start":366.395,"end":370.57498,"sentiment":"neutral","sentiment_score":0.086931089785966},{"text":"So we can adjust it.","start":371.25,"end":372.37,"sentiment":"neutral","sentiment_score":0.13591262102127075},{"text":"We can change things.","start":372.37,"end":373.73,"sentiment":"neutral","sentiment_score":0.20569995790719986},{"text":"We can we we don't you don't have to go with the trauma policy.","start":373.73,"end":377.73,"sentiment":"neutral","sentiment_score":0.1277368851006031}],"sentiment":"neutral","sentiment_score":0.11727190031497567,"num_words":54,"start":359.995,"end":377.73},{"sentences":[{"text":"You can you can structure everything inside super if you like.","start":377.73,"end":381.35,"sentiment":"neutral","sentiment_score":0.25271436165679584},{"text":"But just from a recommendation best interest point of view, that's what we're gonna be recommending, and then we can discuss it afterwards.","start":381.57,"end":388.715,"sentiment":"neutral","sentiment_score":0.210670688877935},{"text":"Alright?","start":388.85498,"end":389.35498,"sentiment":"neutral","sentiment_score":0.1143651157617569},{"text":"Beautiful.","start":391.095,"end":391.595,"sentiment":"positive","sentiment_score":0.4158683717250824},{"text":"And after that, it's estate planning.","start":391.815,"end":394.155,"sentiment":"neutral","sentiment_score":0.23947965602080026}],"sentiment":"neutral","sentiment_score":0.2283903630006881,"num_words":42,"start":377.73,"end":394.155},{"sentences":[{"text":"You would like to have you you'd like to have your partner as the recipient of your estate if you were to, let's say, fall off your perch.","start":394.69498,"end":401.31,"sentiment":"neutral","sentiment_score":0.20049667251961573},{"text":"After something happens to you, cross the road, bypass something like that, then you wanna make sure that, you know, your partner is the one that gets the gets gets all of your assets and the superannuation, things like that.","start":401.79,"end":413.63,"sentiment":"neutral","sentiment_score":0.14290953930467368},{"text":"So we're gonna we're gonna have a look at.","start":413.63,"end":415.485,"sentiment":"neutral","sentiment_score":0.1625987614194552},{"text":"We're gonna I'm gonna recommend setting up a will and power of attorney.","start":415.485,"end":418.705,"sentiment":"neutral","sentiment_score":0.16086609661579132},{"text":"But for the super insurance, we're gonna make sure that your partner's the binding, non lapsing beneficiary nomination for that.","start":419.245,"end":426.84497,"sentiment":"neutral","sentiment_score":0.14066239707171918}],"sentiment":"neutral","sentiment_score":0.16089258593591776,"num_words":110,"start":394.69498,"end":426.84497},{"sentences":[{"text":"Okay?","start":426.84497,"end":427.34497,"sentiment":"neutral","sentiment_score":0.116336852312088},{"text":"Do you have any questions about those?","start":428.81,"end":430.59,"sentiment":"neutral","sentiment_score":0.04672219231724739},{"text":"Oh, okay.","start":447.845,"end":448.825,"sentiment":"neutral","sentiment_score":-0.07726708427071571},{"text":"Okay.","start":449.285,"end":449.685,"sentiment":"neutral","sentiment_score":-0.05952408164739609},{"text":"No.","start":449.685,"end":449.925,"sentiment":"neutral","sentiment_score":-0.16340547800064087}],"sentiment":"neutral","sentiment_score":0.005494039195279281,"num_words":12,"start":426.84497,"end":449.925},{"sentences":[{"text":"That's alright.","start":449.925,"end":450.645,"sentiment":"neutral","sentiment_score":-0.10576452314853668},{"text":"What what what I might do is I might call you off my work mobile.","start":450.645,"end":454.745,"sentiment":"neutral","sentiment_score":-0.03111740748087565},{"text":"How does that sound?","start":454.965,"end":456.105,"sentiment":"neutral","sentiment_score":0.035610432736575603},{"text":"Anything better than yeah.","start":459.5,"end":460.78,"sentiment":"neutral","sentiment_score":0.1431109420955181},{"text":"No.","start":460.78,"end":460.94,"sentiment":"neutral","sentiment_score":-0.08875210583209991}],"sentiment":"neutral","sentiment_score":-0.002006029423612815,"num_words":26,"start":449.925,"end":460.94},{"sentences":[{"text":"No.","start":460.94,"end":461.1,"sentiment":"neutral","sentiment_score":-0.0905209556221962},{"text":"That's okay.","start":461.1,"end":461.74002,"sentiment":"neutral","sentiment_score":-0.015578698366880417},{"text":"That's okay.","start":461.74002,"end":462.48,"sentiment":"neutral","sentiment_score":0.11965863779187202},{"text":"What I'm gonna do is just give you a call directly off the work mobile.","start":463.02002,"end":466.24002,"sentiment":"neutral","sentiment_score":0.04911441082755725},{"text":"If you prefer, what I can do, because I'm I'm the the problem is I'm my headset's been working from my home computer.","start":466.54,"end":473.705,"sentiment":"neutral","sentiment_score":-0.012555548475812311}],"sentiment":"neutral","sentiment_score":0.01315296443482471,"num_words":43,"start":460.94,"end":473.705},{"sentences":[{"text":"Do you have access to the calendar invite?","start":474.085,"end":478.32498,"sentiment":"neutral","sentiment_score":0.04526076465845108},{"text":"If you prefer, we can just jump on that and actually go through Google Meet if you like.","start":478.32498,"end":482.505,"sentiment":"neutral","sentiment_score":0.08079701703455713},{"text":"Yeah.","start":485.56998,"end":485.81,"sentiment":"neutral","sentiment_score":0.11813993752002716},{"text":"Yeah.","start":485.81,"end":486.05,"sentiment":"neutral","sentiment_score":0.08825689554214478},{"text":"Did you want did you wanna set that up?","start":486.05,"end":487.91,"sentiment":"neutral","sentiment_score":0.0746540700395902}],"sentiment":"neutral","sentiment_score":0.0728301591164357,"num_words":37,"start":474.085,"end":487.91},{"sentences":[{"text":"Yeah.","start":493.25,"end":493.49,"sentiment":"neutral","sentiment_score":0.06935973465442657},{"text":"Yeah.","start":493.49,"end":493.65,"sentiment":"neutral","sentiment_score":0.08479587733745575},{"text":"So it should be in there.","start":493.65,"end":494.93,"sentiment":"neutral","sentiment_score":0.11036946127812068},{"text":"And do you mind if I get Gemini to take notes?","start":494.93,"end":497.40997,"sentiment":"neutral","sentiment_score":0.04769098860296336},{"text":"Or Yep.","start":497.40997,"end":499.695,"sentiment":"neutral","sentiment_score":0.1196337603032589}],"sentiment":"neutral","sentiment_score":0.07524956070951053,"num_words":21,"start":493.25,"end":499.695},{"sentences":[{"text":"Beautiful.","start":499.695,"end":500.195,"sentiment":"positive","sentiment_score":0.4309546947479248},{"text":"Beautiful.","start":504.015,"end":504.515,"sentiment":"positive","sentiment_score":0.42230063676834106},{"text":"So if you open up the do you have g Google Suites or Gmail or anything like that?","start":508.335,"end":514.275,"sentiment":"neutral","sentiment_score":0.03683524040712251},{"text":"Beautiful.","start":515.99,"end":516.39,"sentiment":"positive","sentiment_score":0.34071803092956543},{"text":"So if you go on to your calendar, your Google Calendar, and you actually click on the invite itself, there should be a blue link that says, 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I'm here. Bit better than last time, but not perfect. Thought we can make it work. Yeah.\n\nYeah. That's that's okay. Yeah. Yeah. Yep.\n\nYes. I have. Yes. Yep. Hang on.\n\nJust give me a sec. Right. Statement of the right. Right. So do you have to do you have to what's on their documents?\n\nIt says sign document? Yes. Right. I'm looking at the thumbnail here. Yeah.\n\nYeah. Yep. Thank you for that. Right. Yes.\n\nYes. Yeah. That's correct. Yeah. Yes.\n\nMhmm. Right. Okay. Yep. Right.\n\nRight. Correct. No. Not really. Not really.\n\nIt's just the it's not comfortable the way I hear you. It's not that pleasant conversation at the moment. There's lots of echo and if if you know what I'm saying. Yep. Yeah.\n\nAnd anything anything that you can make it better also again. Yes. Yeah. Yeah. If that works.\n\nSure. Yeah. Okay. Yeah. Let me go through my calendar and what?\n\nYeah. Yeah. Sure. Sure. Alright.\n\nSo I have the calendar in mind. Just gonna work it out. How do we call through there? Yeah. I've got Gmail.\n\nYep. Okay. Go with me. But let me see that. Yeah.\n\nThat's alright. Yes. Yeah. If I'm ready to join now. Yeah.\n\nNo worries. She's","paragraphs":[{"sentences":[{"text":"Yeah.","start":7.8399997,"end":8.08,"sentiment":"neutral","sentiment_score":0.1832127571105957},{"text":"I'm here.","start":8.08,"end":8.74,"sentiment":"neutral","sentiment_score":0.22617536038160324},{"text":"Bit better than last time, but not perfect.","start":12.4,"end":14.42,"sentiment":"neutral","sentiment_score":-0.10409051366150379},{"text":"Thought we can make it work.","start":14.48,"end":15.735,"sentiment":"neutral","sentiment_score":0.2203540081779162},{"text":"Yeah.","start":41.97,"end":42.29,"sentiment":"neutral","sentiment_score":-0.017085745930671692}],"sentiment":"neutral","sentiment_score":0.06154875953992208,"num_words":18,"start":7.8399997,"end":42.29},{"sentences":[{"text":"Yeah.","start":42.29,"end":42.69,"sentiment":"neutral","sentiment_score":0.01770530827343464},{"text":"That's that's 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correct.","start":315.57,"end":316.13,"sentiment":"neutral","sentiment_score":0.20073720812797546},{"text":"Yeah.","start":316.13,"end":316.63,"sentiment":"neutral","sentiment_score":0.3041233420372009},{"text":"Yes.","start":350.535,"end":351.035,"sentiment":"neutral","sentiment_score":0.2701106071472168}],"sentiment":"neutral","sentiment_score":0.20105156550804773,"num_words":6,"start":284.00998,"end":351.035},{"sentences":[{"text":"Mhmm.","start":359.83002,"end":360.33002,"sentiment":"neutral","sentiment_score":0.09332046657800674},{"text":"Right.","start":371.83002,"end":372.33002,"sentiment":"neutral","sentiment_score":0.1623089462518692},{"text":"Okay.","start":389.34,"end":389.82,"sentiment":"neutral","sentiment_score":0.12956959009170532},{"text":"Yep.","start":389.82,"end":390.22,"sentiment":"neutral","sentiment_score":0.17064736783504486},{"text":"Right.","start":390.22,"end":390.72,"sentiment":"neutral","sentiment_score":0.24291300773620603}],"sentiment":"neutral","sentiment_score":0.15975187569856644,"num_words":5,"start":359.83002,"end":390.72},{"sentences":[{"text":"Right.","start":427.46002,"end":427.78003,"sentiment":"neutral","sentiment_score":0.10612829774618147},{"text":"Correct.","start":427.78003,"end":428.28003,"sentiment":"neutral","sentiment_score":0.10097932815551758},{"text":"No.","start":432.93503,"end":433.17502,"sentiment":"negative","sentiment_score":-0.3523019552230835},{"text":"Not really.","start":433.17502,"end":433.915,"sentiment":"negative","sentiment_score":-0.4568324387073517},{"text":"Not really.","start":433.975,"end":434.695,"sentiment":"negative","sentiment_score":-0.5424503087997437}],"sentiment":"neutral","sentiment_score":-0.30625140347651075,"num_words":7,"start":427.46002,"end":434.695},{"sentences":[{"text":"It's just the it's not comfortable the way I hear you.","start":434.695,"end":439.99503,"sentiment":"negative","sentiment_score":-0.6188635880296881},{"text":"It's not that pleasant conversation at the moment.","start":440.61502,"end":444.33,"sentiment":"negative","sentiment_score":-0.6207036003470421},{"text":"There's lots of echo and if if you know what I'm saying.","start":445.03,"end":448.97,"sentiment":"neutral","sentiment_score":-0.17807857071359953},{"text":"Yep.","start":450.94998,"end":451.44998,"sentiment":"neutral","sentiment_score":-0.01310037449002266},{"text":"Yeah.","start":457.085,"end":457.405,"sentiment":"neutral","sentiment_score":0.06357716023921967}],"sentiment":"negative","sentiment_score":-0.419987707088391,"num_words":33,"start":434.695,"end":457.405},{"sentences":[{"text":"And anything anything that you can make it better also again.","start":457.405,"end":461.025,"sentiment":"neutral","sentiment_score":0.1245403682643717},{"text":"Yes.","start":474.3,"end":474.8,"sentiment":"neutral","sentiment_score":0.04094108194112778},{"text":"Yeah.","start":484.02502,"end":484.185,"sentiment":"neutral","sentiment_score":0.09743504226207732},{"text":"Yeah.","start":484.185,"end":484.505,"sentiment":"neutral","sentiment_score":0.12215238809585573},{"text":"If that works.","start":484.505,"end":485.405,"sentiment":"neutral","sentiment_score":0.15895126263300577}],"sentiment":"neutral","sentiment_score":0.12396037359448041,"num_words":17,"start":457.405,"end":485.405},{"sentences":[{"text":"Sure.","start":485.625,"end":486.125,"sentiment":"neutral","sentiment_score":0.12134085595607758},{"text":"Yeah.","start":488.265,"end":488.665,"sentiment":"neutral","sentiment_score":0.05152731016278267},{"text":"Okay.","start":488.665,"end":488.98502,"sentiment":"neutral","sentiment_score":0.055502936244010925},{"text":"Yeah.","start":488.98502,"end":489.48502,"sentiment":"neutral","sentiment_score":0.049547791481018066},{"text":"Let me go through my calendar and what?","start":490.105,"end":492.845,"sentiment":"neutral","sentiment_score":0.056602297350764275}],"sentiment":"neutral","sentiment_score":0.06089477272083362,"num_words":12,"start":485.625,"end":492.845},{"sentences":[{"text":"Yeah.","start":498.38998,"end":498.63,"sentiment":"neutral","sentiment_score":0.03872784972190857},{"text":"Yeah.","start":498.63,"end":498.79,"sentiment":"neutral","sentiment_score":0.06461416929960251},{"text":"Sure.","start":498.79,"end":499.29,"sentiment":"neutral","sentiment_score":0.09273044764995576},{"text":"Sure.","start":499.35,"end":499.85,"sentiment":"neutral","sentiment_score":0.1298554241657257},{"text":"Alright.","start":502.22998,"end":502.72998,"sentiment":"neutral","sentiment_score":0.30664941668510437}],"sentiment":"neutral","sentiment_score":0.1265154615044594,"num_words":5,"start":498.38998,"end":502.72998},{"sentences":[{"text":"So I have the calendar in mind.","start":503.59,"end":505.51,"sentiment":"neutral","sentiment_score":0.2778318737234388},{"text":"Just gonna work it out.","start":505.51,"end":506.635,"sentiment":"neutral","sentiment_score":0.20615741312503816},{"text":"How do we call through there?","start":506.635,"end":513.375,"sentiment":"neutral","sentiment_score":0.0599016398191452},{"text":"Yeah.","start":514.475,"end":514.715,"sentiment":"neutral","sentiment_score":0.05839436501264572},{"text":"I've got Gmail.","start":514.715,"end":515.515,"sentiment":"neutral","sentiment_score":0.06488002712527911}],"sentiment":"neutral","sentiment_score":0.16309338486330074,"num_words":22,"start":503.59,"end":515.515},{"sentences":[{"text":"Yep.","start":515.515,"end":516.015,"sentiment":"neutral","sentiment_score":0.17686256766319275},{"text":"Okay.","start":528.89,"end":529.39,"sentiment":"neutral","sentiment_score":0.07176612317562103},{"text":"Go with me.","start":529.45,"end":530.09,"sentiment":"neutral","sentiment_score":0.05294380088647207},{"text":"But let me see that.","start":530.09,"end":531.55005,"sentiment":"neutral","sentiment_score":0.013344356790184975},{"text":"Yeah.","start":542.285,"end":542.605,"sentiment":"neutral","sentiment_score":0.10700681805610655}],"sentiment":"neutral","sentiment_score":0.052835335955023766,"num_words":11,"start":515.515,"end":542.605},{"sentences":[{"text":"That's alright.","start":542.605,"end":543.345,"sentiment":"neutral","sentiment_score":0.20302455127239227},{"text":"Yes.","start":557.34,"end":557.625,"sentiment":"neutral","sentiment_score":0.169720858335495},{"text":"Yeah.","start":561.465,"end":561.865,"sentiment":"neutral","sentiment_score":0.2288043797016144},{"text":"If I'm ready to join now.","start":561.865,"end":563.725,"sentiment":"neutral","sentiment_score":0.18717577308416367},{"text":"Yeah.","start":568.185,"end":568.425,"sentiment":"neutral","sentiment_score":0.21413454413414}],"sentiment":"neutral","sentiment_score":0.19470577483827417,"num_words":11,"start":542.605,"end":568.425},{"sentences":[{"text":"No worries.","start":568.425,"end":568.985,"sentiment":"neutral","sentiment_score":0.27902721613645554},{"text":"She's","start":568.985,"end":569.485,"sentiment":"positive","sentiment_score":0.45216116309165955}],"sentiment":"positive","sentiment_score":0.3367385317881902,"num_words":3,"start":568.425,"end":569.485}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Oh, bravo. You bet?\n\nChannel 1: Yeah. I'm here.\n\nChannel 0: Beautiful. Is that a bit better? Or\n\nChannel 1: Bit better than last time, but not perfect. Thought we can make it work.\n\nChannel 0: okay. We can make it work. Yeah. I apologize about that. Like I said, usually, my headset's you gotta put it on a stand and it charges overnight.\n\nAnd I just didn't quite connect it correctly when I left the last night. So I just feel feel pretty silly about it, mate. But I do apologize. But yeah. Look.\n\nIf you can't if you can't hear me and you can't understand anything, then just let me know, and we'll work something else out. Alright?\n\nChannel 1: Yeah. Yeah. That's that's okay. Yeah.\n\nChannel 0: Beautiful. Now, Robbie, I've sent you out a what we call a audio sign for the statement of advice to just run through the numbers, go through the presentation, make sure that you understand what the recommendations are from a super insurance and state planning\n\nChannel 1: Yeah.\n\nChannel 0: point of view.\n\nChannel 1: Yep.\n\nChannel 0: Have you received that email?\n\nChannel 1: Yes. I have. Yes.\n\nChannel 0: Beautiful. So if you just wanna open that up, you should be looking at the front page. It says O. P. Financial statement of advice prepared to Ravi Kumar with a picture of the Gold Coast in the background.\n\nChannel 1: Yep.\n\nChannel 0: You're looking at that page?\n\nChannel 1: Hang on. Just give me a sec.\n\nChannel 0: Yeah. No. That's alright. Take your time.\n\nChannel 1: Right. Statement of the right. Right. So do you have to do you have to what's on their documents? It says sign document?\n\nChannel 0: Yeah. Click sign documents, but I don't want you to sign the documents just yet. So I just want you to open up the document so that\n\nChannel 1: Yes.\n\nChannel 0: you're looking up that front page.\n\nChannel 1: Right. I'm looking at the thumbnail here.\n\nChannel 0: Beautiful. Alright. So I think the best way to what I found is the best way to go through these documents is go page by page and I'll just follow along or you follow along with me, and I'll walk you through this document. So this document is called a statement of advice. It is a legally binding document.\n\nIt for financial advisers like myself to provide any sort of personalized financial advice or recommend a product or anything along those lines. We have to do that by way of statement of advice, and that's what this document is. So like I said, legally binding documents. It's for yourself as made as of the August 12. So two days ago, 2026, prepared by myself, Severiano Zata.\n\nIf you wanted to know the full name, I didn't really have a choice in the matter. It just came on after they gave me. But,\n\nChannel 1: Yeah.\n\nChannel 0: Sebi, is a lot yes. And my my authorized representative number under ASIC and federal government is 1259315, and I'm licensed under Oakview Financial as an Australian financial services license with their AIPOCILL number well, my AIPOCILL number, should I say, of 513068. And there's all the details underneath. That'll make sense?\n\nChannel 1: Yeah. Yep. Thank you for that.\n\nChannel 0: That's alright. Beautiful. Next page is just a little bit more about this document and probably the most important part of this whole document is best interest duty. So we call this in the industry bids. Best interest duty means it's just in writing in the in the document itself outlining that I've got a common law judiciary duty to uphold and that's to look after your best interest.\n\nAnd not my own or not your neighbors, not anybody else's because if I look after my own interest instead of your best interest, then I could lose my license, my company. And you seem like a nice guy, Ravi, but I I wouldn't be willing to do that for for you or any client, to be of that matter. So, yeah, it's just outlining what steps we have to take and how we have to do that. And this document above that is just outlining exactly what I explained before. Okay?\n\nChannel 1: Right. Yes.\n\nChannel 0: Beautiful. Now next page, it says page two of the actual page numbers, but obviously it's page three, inclusive of the front cover. So I'll just go through as per the page numbers. So page two is table of contents, pretty self explanatory. But page three, I just wanna make sure that what my we we we understand each other, and I understand your goals and objectives and why we're putting this document together.\n\nOkay? So this is called scope of advice. And I've I've considered giving you advice, and I'm gonna give you advice on superannuation as well as personal insurance and some estate planning as well, making sure your beneficiaries are set up correct. And then I'll move on to what we have in scoped into this advice, which is personal investment and property recommendations. Okay?\n\nChannel 1: Yes.\n\nChannel 0: So so I just wanna read these out to you, make sure that we're on the same page. Superannuation goal. Following this review, you would like to ensure that your superannuation is invested as per your current risk tolerance and time horizon to get the most out of your investments. And that's for the purpose of retirement. So in retirement, you'd like to be able to be debt free and be able to live a comfortable lifestyle and enjoy your golden years.\n\nYou would like to retire by the age of 60 with an ideal income of $1,500 a week. Is that correct?\n\nChannel 1: Yeah. That's correct. Yeah.\n\nChannel 0: Beautiful. And personal insurance. Now I've also scoped this in because we as we identified, you know, we wanna make sure that you're covered. And if you are paying premiums recovered, you wanna make sure you're covered for enough. K?\n\nAnd I'll walk you through that a little bit. But from a goal perspective, personal insurance, you would like to explore all forms of color to ensure that you are adequately covered in the event that anything were to happen to you or your partner's lifestyle or anything to you, so that your partner's lifestyle would not be affected by any unforeseen kind of tragic event. Alright?\n\nChannel 1: Yes.\n\nChannel 0: Beautiful. Now keep in mind, I've given a recommendation on top of the life for total permanent disability, which you currently have through Hostplus.\n\nChannel 1: Mhmm.\n\nChannel 0: I'm also recommending income protection and trauma linked to a life policy that you pay out of your back pocket. This keep in mind that this document is only a recommendation. So we can adjust\n\nChannel 1: Right.\n\nChannel 0: it. We can change things. We can we we don't you don't have to go with the trauma policy. You can you can structure everything inside super if you like. But just from a recommendation best interest point of view, that's what we're gonna be recommending, and then we can discuss it afterwards.\n\nAlright?\n\nChannel 1: Okay. Yep. Right.\n\nChannel 0: Beautiful. And after that, it's estate planning. You would like to have you you'd like to have your partner as the recipient of your estate if you were to, let's say, fall off your perch. After something happens to you, cross the road, bypass something like that, then you wanna make sure that, you know, your partner is the one that gets the gets gets all of your assets and the superannuation, things like that. So we're gonna we're gonna have a look at.\n\nWe're gonna I'm gonna recommend setting up a will and power of attorney. But for the super insurance, we're gonna make sure that your partner's the binding, non lapsing beneficiary nomination for that. Okay?\n\nChannel 1: Right. Correct.\n\nChannel 0: Do you have any questions about those?\n\nChannel 1: No. Not really. Not really. It's just the it's not comfortable the way I hear you. It's not that pleasant conversation at the moment.\n\nThere's lots of echo and if if you\n\nChannel 0: Oh,\n\nChannel 1: know what I'm\n\nChannel 0: okay.\n\nChannel 1: saying.\n\nChannel 0: Okay. No. That's alright. What\n\nChannel 1: Yep.\n\nChannel 0: what what I might do is I might call you off my work mobile. How does that sound?\n\nChannel 1: Yeah. And anything anything that you can make\n\nChannel 0: Anything\n\nChannel 1: it\n\nChannel 0: better\n\nChannel 1: better\n\nChannel 0: than\n\nChannel 1: also again.\n\nChannel 0: yeah. No. No. That's okay. That's okay.\n\nWhat I'm gonna do is just give you a call directly off the work mobile. If you prefer, what I can do, because I'm I'm the the problem is I'm my headset's been working from my home computer. Do you\n\nChannel 1: Yes.\n\nChannel 0: have access to the calendar invite? If you prefer, we can just jump on that and actually go through Google Meet if you like.\n\nChannel 1: Yeah. Yeah. If that works.\n\nChannel 0: Yeah.\n\nChannel 1: Sure.\n\nChannel 0: Yeah. Did you want did you wanna set that up?\n\nChannel 1: Yeah. Okay. Yeah. Let me go through my calendar and what?\n\nChannel 0: Yeah. Yeah. So it should be in there. And do you mind if I get Gemini to take notes? Or\n\nChannel 1: Yeah. Yeah. Sure. Sure.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: Alright. So I\n\nChannel 0: Beautiful.\n\nChannel 1: have the calendar in mind. Just gonna work it out. How do we call through\n\nChannel 0: So if you open up the do you have g Google Suites or Gmail\n\nChannel 1: there?\n\nChannel 0: or anything like that?\n\nChannel 1: Yeah. I've got Gmail. Yep.\n\nChannel 0: Beautiful. So if you go on to your calendar, your Google Calendar, and you actually click on the invite itself, there should be a blue link that says, you know, join by Google Meet.\n\nChannel 1: Okay. Go with me. But let me see that.\n\nChannel 0: So I'm just closing closing my blinds in my home office as it can be fairly glary.\n\nChannel 1: Yeah. That's alright.\n\nChannel 0: Beautiful. Let me set this up. There should be a there should be a little blue box that says, you know, join via via Google Meet, and then I\n\nChannel 1: Yes.\n\nChannel 0: will admit you in, and we'll go from there.\n\nChannel 1: Yeah. If I'm ready to join now.\n\nChannel 0: Amazing. Alright. I'm just jumping in. I'll speak to you soon.\n\nChannel 1: Yeah. No worries. She's\n\nChannel 0: Beautiful. Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Oh, bravo.","start":6.0,"end":6.56,"sentiment":"neutral","sentiment_score":0.2634754329919815},{"text":"You bet?","start":6.56,"end":7.22,"sentiment":"neutral","sentiment_score":0.15220795571804047}],"sentiment":"neutral","sentiment_score":0.207841694355011,"channel":0,"num_words":4,"start":6.0,"end":7.22},{"sentences":[{"text":"Yeah.","start":7.8399997,"end":8.08,"sentiment":"neutral","sentiment_score":0.1832127571105957},{"text":"I'm here.","start":8.08,"end":8.74,"sentiment":"neutral","sentiment_score":0.22617536038160324}],"sentiment":"neutral","sentiment_score":0.21185449262460074,"channel":1,"num_words":3,"start":7.8399997,"end":8.74},{"sentences":[{"text":"Beautiful.","start":9.12,"end":9.5199995,"sentiment":"positive","sentiment_score":0.662819504737854},{"text":"Is that a bit better?","start":9.5199995,"end":10.48,"sentiment":"neutral","sentiment_score":0.25418401062488555},{"text":"Or","start":10.48,"end":10.98,"sentiment":"neutral","sentiment_score":-0.02252417802810669}],"sentiment":"neutral","sentiment_score":0.2730307685477393,"channel":0,"num_words":7,"start":9.12,"end":10.98},{"sentences":[{"text":"Bit better than last time, but not perfect.","start":12.4,"end":14.42,"sentiment":"neutral","sentiment_score":-0.10409051366150379},{"text":"Thought we can make it work.","start":14.48,"end":15.735,"sentiment":"neutral","sentiment_score":0.2203540081779162}],"sentiment":"neutral","sentiment_score":0.034957138555390496,"channel":1,"num_words":14,"start":12.4,"end":15.735},{"sentences":[{"text":"okay.","start":16.255,"end":16.575,"sentiment":"neutral","sentiment_score":0.29601144790649414},{"text":"We can make it work.","start":16.575,"end":17.455,"sentiment":"positive","sentiment_score":0.37485820055007935},{"text":"Yeah.","start":17.455,"end":17.575,"sentiment":"neutral","sentiment_score":-0.01491248980164528},{"text":"I apologize about that.","start":17.575,"end":18.735,"sentiment":"neutral","sentiment_score":-0.25666895508766174},{"text":"Like I said, usually, my headset's you gotta put it on a stand and it charges overnight.","start":18.735,"end":24.195,"sentiment":"neutral","sentiment_score":-0.1767468991525033}],"sentiment":"neutral","sentiment_score":-0.06699939803885561,"channel":0,"num_words":28,"start":16.255,"end":24.195},{"sentences":[{"text":"And I just didn't quite connect it correctly when I left the last night.","start":24.255001,"end":29.26,"sentiment":"neutral","sentiment_score":-0.3010449441415923},{"text":"So I just feel feel pretty silly about it, mate.","start":29.26,"end":32.3,"sentiment":"negative","sentiment_score":-0.452802312374115},{"text":"But I do apologize.","start":32.3,"end":33.52,"sentiment":"neutral","sentiment_score":-0.17998164147138596},{"text":"But yeah.","start":33.66,"end":34.22,"sentiment":"neutral","sentiment_score":-0.08245188742876053},{"text":"Look.","start":34.22,"end":34.38,"sentiment":"neutral","sentiment_score":-0.06353478133678436}],"sentiment":"neutral","sentiment_score":-0.3126134665742997,"channel":0,"num_words":31,"start":24.255001,"end":34.38},{"sentences":[{"text":"If you can't if you can't hear me and you can't understand anything, then just let me know, and we'll work something else out.","start":34.38,"end":40.86,"sentiment":"neutral","sentiment_score":-0.21440506291886172},{"text":"Alright?","start":40.86,"end":41.36,"sentiment":"neutral","sentiment_score":-0.02167348377406597}],"sentiment":"neutral","sentiment_score":-0.20669579975306987,"channel":0,"num_words":25,"start":34.38,"end":41.36},{"sentences":[{"text":"Yeah.","start":41.97,"end":42.29,"sentiment":"neutral","sentiment_score":-0.017085745930671692},{"text":"Yeah.","start":42.29,"end":42.69,"sentiment":"neutral","sentiment_score":0.01770530827343464},{"text":"That's that's okay.","start":42.69,"end":43.855,"sentiment":"neutral","sentiment_score":0.07897159457206726},{"text":"Yeah.","start":43.855,"end":44.355,"sentiment":"neutral","sentiment_score":0.16074371337890625}],"sentiment":"neutral","sentiment_score":0.0663796765729785,"channel":1,"num_words":6,"start":41.97,"end":44.355},{"sentences":[{"text":"Beautiful.","start":44.585,"end":45.085,"sentiment":"positive","sentiment_score":0.4465254545211792},{"text":"Now, Robbie, I've sent you out a what we call a audio sign for the statement of advice to just run through the numbers, go through the presentation, make sure that you understand what the recommendations are from a super insurance and state planning","start":45.225,"end":57.03,"sentiment":"neutral","sentiment_score":0.11541128471832383}],"sentiment":"neutral","sentiment_score":0.12276937738060952,"channel":0,"num_words":45,"start":44.585,"end":57.03},{"sentences":[{"text":"Yeah.","start":56.975,"end":57.475,"sentiment":"neutral","sentiment_score":0.06168285012245178}],"sentiment":"neutral","sentiment_score":0.06168285012245178,"channel":1,"num_words":1,"start":56.975,"end":57.475},{"sentences":[{"text":"point of view.","start":57.03,"end":58.01,"sentiment":"neutral","sentiment_score":0.04439806876083215}],"sentiment":"neutral","sentiment_score":0.04439806876083215,"channel":0,"num_words":3,"start":57.03,"end":58.01},{"sentences":[{"text":"Yep.","start":58.335,"end":58.77,"sentiment":"neutral","sentiment_score":0.05118071287870407}],"sentiment":"neutral","sentiment_score":0.05118071287870407,"channel":1,"num_words":1,"start":58.335,"end":58.77},{"sentences":[{"text":"Have you received that email?","start":58.79,"end":60.17,"sentiment":"neutral","sentiment_score":0.0426985178142786}],"sentiment":"neutral","sentiment_score":0.0426985178142786,"channel":0,"num_words":5,"start":58.79,"end":60.17},{"sentences":[{"text":"Yes.","start":61.49,"end":61.89,"sentiment":"neutral","sentiment_score":0.05813102796673775},{"text":"I have.","start":61.89,"end":62.53,"sentiment":"neutral","sentiment_score":0.06917407363653183},{"text":"Yes.","start":62.53,"end":63.03,"sentiment":"neutral","sentiment_score":0.13334619998931885}],"sentiment":"neutral","sentiment_score":0.08245634380728006,"channel":1,"num_words":4,"start":61.49,"end":63.03},{"sentences":[{"text":"Beautiful.","start":62.79,"end":63.29,"sentiment":"positive","sentiment_score":0.35335594415664673},{"text":"So if you just wanna open that up, you should be looking at the front page.","start":63.43,"end":67.13,"sentiment":"neutral","sentiment_score":0.08223518286831677},{"text":"It says O.","start":67.35,"end":68.07,"sentiment":"neutral","sentiment_score":0.028785183404882748},{"text":"P.","start":68.07,"end":68.31,"sentiment":"neutral","sentiment_score":0.018582602962851524},{"text":"Financial statement of advice prepared to Ravi Kumar with a picture of the Gold Coast in the background.","start":68.31,"end":72.525,"sentiment":"neutral","sentiment_score":0.06778088936375247}],"sentiment":"neutral","sentiment_score":0.07677212901986562,"channel":0,"num_words":39,"start":62.79,"end":72.525},{"sentences":[{"text":"Yep.","start":73.49,"end":73.99,"sentiment":"neutral","sentiment_score":0.030555345118045807}],"sentiment":"neutral","sentiment_score":0.030555345118045807,"channel":1,"num_words":1,"start":73.49,"end":73.99},{"sentences":[{"text":"You're looking at that page?","start":74.605,"end":75.825005,"sentiment":"neutral","sentiment_score":0.017472473531961442}],"sentiment":"neutral","sentiment_score":0.017472473531961442,"channel":0,"num_words":5,"start":74.605,"end":75.825005},{"sentences":[{"text":"Hang on.","start":77.095,"end":77.575,"sentiment":"neutral","sentiment_score":-0.005172560457140207},{"text":"Just give me a sec.","start":77.575,"end":79.195,"sentiment":"neutral","sentiment_score":-0.003601012006402016}],"sentiment":"neutral","sentiment_score":-0.00405002584947007,"channel":1,"num_words":7,"start":77.095,"end":79.195},{"sentences":[{"text":"Yeah.","start":79.645004,"end":79.965004,"sentiment":"neutral","sentiment_score":0.010043196380138395},{"text":"No.","start":79.965004,"end":80.125,"sentiment":"neutral","sentiment_score":-0.043699733912944794},{"text":"That's alright.","start":80.125,"end":80.685,"sentiment":"neutral","sentiment_score":0.006851302459836007},{"text":"Take your 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document?","start":95.770004,"end":97.27,"sentiment":"neutral","sentiment_score":-0.014716965379193425}],"sentiment":"neutral","sentiment_score":-0.004208625051314416,"channel":1,"num_words":23,"start":87.495,"end":97.27},{"sentences":[{"text":"Yeah.","start":97.555,"end":97.955,"sentiment":"neutral","sentiment_score":-0.01392115280032158},{"text":"Click sign documents, but I don't want you to sign the documents just yet.","start":97.955,"end":101.315,"sentiment":"neutral","sentiment_score":-0.08369192161730357},{"text":"So I just want you to open up the document so that","start":101.315,"end":104.115,"sentiment":"neutral","sentiment_score":0.02644007947916786}],"sentiment":"neutral","sentiment_score":-0.032160263025650275,"channel":0,"num_words":27,"start":97.555,"end":104.115},{"sentences":[{"text":"Yes.","start":104.049995,"end":104.549995,"sentiment":"neutral","sentiment_score":0.04093896597623825}],"sentiment":"neutral","sentiment_score":0.04093896597623825,"channel":1,"num_words":1,"start":104.049995,"end":104.549995},{"sentences":[{"text":"you're looking up that front page.","start":104.115,"end":105.735,"sentiment":"neutral","sentiment_score":0.05658959411084652}],"sentiment":"neutral","sentiment_score":0.05658959411084652,"channel":0,"num_words":6,"start":104.115,"end":105.735},{"sentences":[{"text":"Right.","start":106.835,"end":107.235,"sentiment":"neutral","sentiment_score":0.05267186462879181},{"text":"I'm looking at the thumbnail here.","start":107.235,"end":109.815,"sentiment":"neutral","sentiment_score":0.08162933215498924}],"sentiment":"neutral","sentiment_score":0.07749255107981819,"channel":1,"num_words":7,"start":106.835,"end":109.815},{"sentences":[{"text":"Beautiful.","start":110.15,"end":110.63,"sentiment":"positive","sentiment_score":0.4265096783638001},{"text":"Alright.","start":110.63,"end":111.03,"sentiment":"neutral","sentiment_score":-0.0119118457660079},{"text":"So I think the best way to what I found is the best way to go through these documents is go page by page and I'll just follow along or you follow along with me, and I'll walk you through this document.","start":111.03,"end":122.63,"sentiment":"neutral","sentiment_score":0.18156633543826284},{"text":"So this document is called a statement of advice.","start":122.63,"end":124.729996,"sentiment":"neutral","sentiment_score":0.07883981863657634},{"text":"It is a legally binding 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myself, Severiano Zata.","start":146.82,"end":151.3,"sentiment":"neutral","sentiment_score":0.020533816888928413}],"sentiment":"neutral","sentiment_score":0.05446195835942653,"channel":0,"num_words":67,"start":128.075,"end":151.3},{"sentences":[{"text":"If you wanted to know the full name, I didn't really have a choice in the matter.","start":151.3,"end":155.22,"sentiment":"neutral","sentiment_score":-0.07766182895968943},{"text":"It just came on after they gave me.","start":155.22,"end":157.015,"sentiment":"neutral","sentiment_score":-0.02886542840860784},{"text":"But,","start":157.015,"end":157.255,"sentiment":"neutral","sentiment_score":0.03506917506456375}],"sentiment":"neutral","sentiment_score":-0.058311744019962274,"channel":0,"num_words":26,"start":151.3,"end":157.255},{"sentences":[{"text":"Yeah.","start":157.22,"end":157.72,"sentiment":"neutral","sentiment_score":0.12513422966003418}],"sentiment":"neutral","sentiment_score":0.12513422966003418,"channel":1,"num_words":1,"start":157.22,"end":157.72},{"sentences":[{"text":"Sebi, is a lot yes.","start":157.255,"end":158.635,"sentiment":"neutral","sentiment_score":0.1944653034210205},{"text":"And my my authorized representative number under ASIC and federal government is 1259315, and I'm licensed under Oakview Financial as an Australian financial services license with their AIPOCILL number well, my AIPOCILL number, should I say, of 513068.","start":158.855,"end":176.49,"sentiment":"neutral","sentiment_score":0.08498245556103556},{"text":"And there's all the details underneath.","start":176.49,"end":178.11,"sentiment":"neutral","sentiment_score":0.05293707984189192},{"text":"That'll make sense?","start":178.25,"end":179.31,"sentiment":"neutral","sentiment_score":0.07416454950968425}],"sentiment":"neutral","sentiment_score":0.09118799915393958,"channel":0,"num_words":52,"start":157.255,"end":179.31},{"sentences":[{"text":"Yeah.","start":180.11,"end":180.35,"sentiment":"neutral","sentiment_score":0.11916767060756683},{"text":"Yep.","start":180.35,"end":180.75,"sentiment":"neutral","sentiment_score":0.19991347193717957},{"text":"Thank you for that.","start":180.75,"end":181.81,"sentiment":"positive","sentiment_score":0.6077360659837723}],"sentiment":"positive","sentiment_score":0.45833756774663925,"channel":1,"num_words":6,"start":180.11,"end":181.81},{"sentences":[{"text":"That's 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cover.","start":236.12,"end":245.125,"sentiment":"neutral","sentiment_score":0.1082654216072776},{"text":"So I'll just go through as per the page numbers.","start":245.125,"end":247.625,"sentiment":"neutral","sentiment_score":0.07726726345717908},{"text":"So page two is table of contents, pretty self explanatory.","start":247.845,"end":251.065,"sentiment":"neutral","sentiment_score":0.09841925948858261},{"text":"But page three, I just wanna make sure that what my we we we understand each other, and I understand your goals and objectives and why we're putting this document together.","start":251.525,"end":260.72,"sentiment":"neutral","sentiment_score":0.08579749577949124}],"sentiment":"neutral","sentiment_score":0.10115978373466311,"channel":0,"num_words":74,"start":234.76,"end":260.72},{"sentences":[{"text":"Okay?","start":260.86,"end":261.26,"sentiment":"neutral","sentiment_score":0.047927092760801315},{"text":"So this is called scope of 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recommendations.","start":275.525,"end":282.185,"sentiment":"neutral","sentiment_score":0.07857996420491309},{"text":"Okay?","start":282.885,"end":283.385,"sentiment":"neutral","sentiment_score":0.05622898042201996}],"sentiment":"neutral","sentiment_score":0.0982473079347983,"channel":0,"num_words":64,"start":260.86,"end":283.385},{"sentences":[{"text":"Yes.","start":284.00998,"end":284.50998,"sentiment":"neutral","sentiment_score":0.10417494177818298}],"sentiment":"neutral","sentiment_score":0.10417494177818298,"channel":1,"num_words":1,"start":284.00998,"end":284.50998},{"sentences":[{"text":"So so I just wanna read these out to you, make sure that we're on the same page.","start":284.74,"end":288.12,"sentiment":"neutral","sentiment_score":0.16820468794968393},{"text":"Superannuation goal.","start":288.65997,"end":290.19998,"sentiment":"neutral","sentiment_score":0.14502736926078796},{"text":"Following this review, you would like to ensure that your superannuation is invested as per your current risk tolerance and time horizon to get the most out of your investments.","start":290.25998,"end":299.825,"sentiment":"neutral","sentiment_score":0.226305124660333},{"text":"And that's for the purpose of retirement.","start":299.885,"end":301.805,"sentiment":"neutral","sentiment_score":0.18495772566114152},{"text":"So in retirement, you'd like to be able to be debt free and be able to live a comfortable lifestyle and enjoy your golden years.","start":301.805,"end":308.525,"sentiment":"positive","sentiment_score":0.3758400464057922}],"sentiment":"neutral","sentiment_score":0.2536292451365692,"channel":0,"num_words":82,"start":284.74,"end":308.525},{"sentences":[{"text":"You would like to retire by the age of 60 with an ideal income of $1,500 a week.","start":308.525,"end":313.805,"sentiment":"neutral","sentiment_score":0.19168482969204584},{"text":"Is that correct?","start":313.805,"end":314.84,"sentiment":"neutral","sentiment_score":0.14013404647509256}],"sentiment":"neutral","sentiment_score":0.18432043208962395,"channel":0,"num_words":21,"start":308.525,"end":314.84},{"sentences":[{"text":"Yeah.","start":315.25,"end":315.57,"sentiment":"neutral","sentiment_score":0.1264260858297348},{"text":"That's correct.","start":315.57,"end":316.13,"sentiment":"neutral","sentiment_score":0.20073720812797546},{"text":"Yeah.","start":316.13,"end":316.63,"sentiment":"neutral","sentiment_score":0.3041233420372009}],"sentiment":"neutral","sentiment_score":0.20800596103072166,"channel":1,"num_words":4,"start":315.25,"end":316.63},{"sentences":[{"text":"Beautiful.","start":316.58002,"end":317.08002,"sentiment":"positive","sentiment_score":0.5614550709724426},{"text":"And personal insurance.","start":317.94,"end":319.24002,"sentiment":"neutral","sentiment_score":0.182831143339475},{"text":"Now I've also scoped this in because we as we identified, you know, we wanna make sure that you're covered.","start":319.86002,"end":325.22,"sentiment":"neutral","sentiment_score":0.10376379825174809},{"text":"And if you are paying premiums recovered, you wanna make sure you're covered for enough.","start":325.22,"end":328.755,"sentiment":"neutral","sentiment_score":0.07602926269173622},{"text":"K?","start":328.915,"end":329.155,"sentiment":"neutral","sentiment_score":0.05129501968622208}],"sentiment":"neutral","sentiment_score":0.10942396065220236,"channel":0,"num_words":40,"start":316.58002,"end":329.155},{"sentences":[{"text":"And I'll walk you through that a little bit.","start":329.155,"end":330.595,"sentiment":"neutral","sentiment_score":0.0832752754083938},{"text":"But from a goal perspective, personal insurance, you would like to explore all forms of color to ensure that you are adequately covered in the event that anything were to happen to you or your partner's lifestyle or anything to you, so that your partner's lifestyle would not be affected by any unforeseen kind of tragic event.","start":330.595,"end":349.09,"sentiment":"neutral","sentiment_score":0.14367975686725817},{"text":"Alright?","start":349.31,"end":349.81,"sentiment":"neutral","sentiment_score":0.10275014489889144}],"sentiment":"neutral","sentiment_score":0.1349548323135545,"channel":0,"num_words":67,"start":329.155,"end":349.81},{"sentences":[{"text":"Yes.","start":350.535,"end":351.035,"sentiment":"neutral","sentiment_score":0.2701106071472168}],"sentiment":"neutral","sentiment_score":0.2701106071472168,"channel":1,"num_words":1,"start":350.535,"end":351.035},{"sentences":[{"text":"Beautiful.","start":351.47,"end":351.97,"sentiment":"positive","sentiment_score":0.49837979674339294},{"text":"Now keep in mind, I've given a recommendation on top of the life for total permanent disability, which you currently have through 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I","start":548.59,"end":557.47003,"sentiment":"neutral","sentiment_score":0.1455913289733555}],"sentiment":"neutral","sentiment_score":0.17032150153456063,"channel":0,"num_words":29,"start":546.51,"end":557.47003},{"sentences":[{"text":"Yes.","start":557.34,"end":557.625,"sentiment":"neutral","sentiment_score":0.169720858335495}],"sentiment":"neutral","sentiment_score":0.169720858335495,"channel":1,"num_words":1,"start":557.34,"end":557.625},{"sentences":[{"text":"will admit you in, and we'll go from there.","start":557.47003,"end":560.53,"sentiment":"neutral","sentiment_score":0.12881729337904188}],"sentiment":"neutral","sentiment_score":0.12881729337904188,"channel":0,"num_words":9,"start":557.47003,"end":560.53},{"sentences":[{"text":"Yeah.","start":561.465,"end":561.865,"sentiment":"neutral","sentiment_score":0.2288043797016144},{"text":"If I'm ready to join now.","start":561.865,"end":563.725,"sentiment":"neutral","sentiment_score":0.18717577308416367}],"sentiment":"neutral","sentiment_score":0.19312271688665664,"channel":1,"num_words":7,"start":561.465,"end":563.725},{"sentences":[{"text":"Amazing.","start":564.395,"end":564.895,"sentiment":"positive","sentiment_score":0.7745678424835205},{"text":"Alright.","start":564.955,"end":565.275,"sentiment":"positive","sentiment_score":0.46688956022262573},{"text":"I'm just jumping in.","start":565.275,"end":566.575,"sentiment":"positive","sentiment_score":0.4007609859108925},{"text":"I'll speak to you soon.","start":566.715,"end":567.775,"sentiment":"neutral","sentiment_score":0.3278626263141632}],"sentiment":"positive","sentiment_score":0.40761949799277564,"channel":0,"num_words":11,"start":564.395,"end":567.775},{"sentences":[{"text":"Yeah.","start":568.185,"end":568.425,"sentiment":"neutral","sentiment_score":0.21413454413414},{"text":"No worries.","start":568.425,"end":568.985,"sentiment":"neutral","sentiment_score":0.27902721613645554},{"text":"She's","start":568.985,"end":569.485,"sentiment":"positive","sentiment_score":0.45216116309165955}],"sentiment":"neutral","sentiment_score":0.30608753487467766,"channel":1,"num_words":4,"start":568.185,"end":569.485},{"sentences":[{"text":"Beautiful.","start":569.35504,"end":569.835,"sentiment":"positive","sentiment_score":0.7029373645782471},{"text":"Thanks.","start":569.835,"end":570.155,"sentiment":"positive","sentiment_score":0.8018221855163574},{"text":"Bye.","start":570.155,"end":570.655,"sentiment":"neutral","sentiment_score":-0.12431146949529648}],"sentiment":"positive","sentiment_score":0.4601493601997693,"channel":0,"num_words":3,"start":569.35504,"end":570.655}]},"summary":{"result":"success","short":"The speaker discusses personal investment and property recommendations, personalized financial advice, and a life insurance plan with a focus on covering up for up to $1,500 a week. They recommend a life insurance plan with coverage for death and accidental death, estate planning, and will and power of attorney for personal insurance. They suggest setting up a will and power of attorney for personal insurance and recommend using Google Meet to join a virtual meeting. The meeting is not a formal day."},"intents":{"segments":[{"text":"So this document is called a statement of advice. It is a legally binding document. It for financial advisers like myself to provide any sort of personalized financial advice or recommend a product or anything along those lines.","start_word":344,"end_word":381,"intents":[{"intent":"Share financial advice","confidence_score":0.0009386584}]},{"text":"So, yeah, it's just outlining what steps we have to take and how we have to do that.","start_word":641,"end_word":658,"intents":[{"intent":"Explain steps to take","confidence_score":0.013764147}]},{"text":"So this is called scope of advice. And I've I've considered giving you advice, and I'm gonna give you advice on superannuation as well as personal insurance and some estate planning as well, making sure your beneficiaries are set up correct.","start_word":749,"end_word":789,"intents":[{"intent":"Provide advice on superannuation and personal insurance","confidence_score":0.067981295}]},{"text":"You would like to retire by the age of 60 with an ideal income of $1,500 a week. Is that correct? Yeah.","start_word":895,"end_word":916,"intents":[{"intent":"Recommend retirement retirement","confidence_score":0.0024355452},{"intent":"Clarify retirement requirements","confidence_score":0.0010477196}]},{"text":"Now keep in mind, I've given a recommendation on top of the life for total permanent disability, which you currently have through Hostplus.","start_word":1029,"end_word":1051,"intents":[{"intent":"Recommend adjusting and changing information","confidence_score":0.000002281181},{"intent":"Recommend rescheduling and ensuring coverage","confidence_score":0.00033913943}]},{"text":"But just from a recommendation best interest point of view, that's what we're gonna be recommending, and then we can discuss it afterwards. Alright? Okay.","start_word":1119,"end_word":1143,"intents":[{"intent":"Recommend arranging estate planning","confidence_score":0.0007555593}]},{"text":"have access to the calendar invite? If you prefer, we can just jump on that and actually go through Google Meet if you like. Yeah.","start_word":1398,"end_word":1422,"intents":[{"intent":"Access google meet","confidence_score":0.5823856}]},{"text":"If you prefer, we can just jump on that and actually go through Google Meet if you like. Yeah.","start_word":1404,"end_word":1422,"intents":[{"intent":"Call via google meet","confidence_score":0.0045164246}]},{"text":"Did you want did you wanna set that up? Yeah. Okay.","start_word":1430,"end_word":1440,"intents":[{"intent":"Set up calendar","confidence_score":0.037113715}]},{"text":"And do you mind if I get Gemini to take notes? Or Yeah. Yeah.","start_word":1458,"end_word":1471,"intents":[{"intent":"Get gemini notes","confidence_score":0.012240287}]}]},"sentiments":{"segments":[{"text":"Oh, bravo. You bet? Yeah. I'm here.","start_word":0,"end_word":6,"sentiment":"neutral","sentiment_score":0.2141915857791901},{"text":"Beautiful.","start_word":7,"end_word":7,"sentiment":"positive","sentiment_score":0.662819504737854},{"text":"Is that a bit better? Or Bit better than last time, but not perfect. Thought we can make it work. okay.","start_word":8,"end_word":28,"sentiment":"neutral","sentiment_score":0.11640012264251708},{"text":"We can make it work.","start_word":29,"end_word":33,"sentiment":"positive","sentiment_score":0.3707115650177002},{"text":"Yeah. I apologize about that. Like I said, usually, my headset's you gotta put it on a stand and it charges overnight. And I just didn't quite connect it correctly when I left the last night.","start_word":34,"end_word":69,"sentiment":"neutral","sentiment_score":-0.22031715512275696},{"text":"So I just feel feel pretty silly about it, mate.","start_word":70,"end_word":79,"sentiment":"negative","sentiment_score":-0.4281039834022522},{"text":"But I do apologize. But yeah. Look. If you can't if you can't hear me and you can't understand anything, then just let me know, and we'll work something else out. Alright? Yeah. Yeah. That's that's okay. Yeah.","start_word":80,"end_word":117,"sentiment":"neutral","sentiment_score":-0.12785762548446655},{"text":"Beautiful.","start_word":118,"end_word":118,"sentiment":"positive","sentiment_score":0.4465254545211792},{"text":"Now, Robbie, I've sent you out a what we call a audio sign for the statement of advice to just run through the numbers, go through the presentation, make sure that you understand what the recommendations are from a super insurance and state planning Yeah. point of view. Yep. Have you received that email? Yes. I have. Yes.","start_word":119,"end_word":176,"sentiment":"neutral","sentiment_score":0.1021203026175499},{"text":"Beautiful.","start_word":177,"end_word":177,"sentiment":"positive","sentiment_score":0.35335594415664673},{"text":"So if you just wanna open that up, you should be looking at the front page. It says O. P. Financial statement of advice prepared to Ravi Kumar with a picture of the Gold Coast in the background. Yep. You're looking at that page? Hang on. Just give me a sec. Yeah. No. That's alright. Take your time. Right. Statement of the right. Right. So do you have to do you have to what's on their documents? It says sign document? Yeah. Click sign documents, but I don't want you to sign the documents just yet. So I just want you to open up the document so that Yes. you're looking up that front page. Right. I'm looking at the thumbnail here.","start_word":178,"end_word":299,"sentiment":"neutral","sentiment_score":0.02190425433218479},{"text":"Beautiful.","start_word":300,"end_word":300,"sentiment":"positive","sentiment_score":0.4265096783638001},{"text":"Alright. So I think the best way to what I found is the best way to go through these documents is go page by page and I'll just follow along or you follow along with me, and I'll walk you through this document. So this document is called a statement of advice. It is a legally binding document. It for financial advisers like myself to provide any sort of personalized financial advice or recommend a product or anything along those lines. We have to do that by way of statement of advice, and that's what this document is. So like I said, legally binding documents. It's for yourself as made as of the August 12. So two days ago, 2026, prepared by myself, Severiano Zata. If you wanted to know the full name, I didn't really have a choice in the matter. It just came on after they gave me. But, Yeah. Sebi, is a lot yes. And my my authorized representative number under ASIC and federal government is 1259315, and I'm licensed under Oakview Financial as an Australian financial services license with their AIPOCILL number well, my AIPOCILL number, should I say, of 513068. And there's all the details underneath. That'll make sense? Yeah. Yep.","start_word":301,"end_word":506,"sentiment":"neutral","sentiment_score":0.07636192383118046},{"text":"Thank you for that. That's alright. Beautiful.","start_word":507,"end_word":513,"sentiment":"positive","sentiment_score":0.5350599884986877},{"text":"Next page is just a little bit more about this document and probably the most important part of this whole document is best interest duty. So we call this in the industry bids. Best interest duty means it's just in writing in the in the document itself outlining that I've got a common law judiciary duty to uphold and that's to look after your best interest.","start_word":514,"end_word":579,"sentiment":"neutral","sentiment_score":0.04773334413766861},{"text":"And not my own or not your neighbors, not anybody else's because if I look after my own interest instead of your best interest, then I could lose my license, my company. And you seem like a nice guy, Ravi, but I I wouldn't be willing to do that for for you or any client, to be of that matter.","start_word":580,"end_word":639,"sentiment":"negative","sentiment_score":-0.41698113083839417},{"text":"So, yeah, it's just outlining what steps we have to take and how we have to do that. And this document above that is just outlining exactly what I explained before. Okay? Right.","start_word":640,"end_word":672,"sentiment":"neutral","sentiment_score":0.10900972038507462},{"text":"Yes. Beautiful.","start_word":673,"end_word":674,"sentiment":"positive","sentiment_score":0.5933900475502014},{"text":"Now next page, it says page two of the actual page numbers, but obviously it's page three, inclusive of the front cover. So I'll just go through as per the page numbers. So page two is table of contents, pretty self explanatory. But page three, I just wanna make sure that what my we we we understand each other, and I understand your goals and objectives and why we're putting this document together. Okay? So this is called scope of advice. And I've I've considered giving you advice, and I'm gonna give you advice on superannuation as well as personal insurance and some estate planning as well, making sure your beneficiaries are set up correct. And then I'll move on to what we have in scoped into this advice, which is personal investment and property recommendations. Okay? Yes. So so I just wanna read these out to you, make sure that we're on the same page. Superannuation goal. Following this review, you would like to ensure that your superannuation is invested as per your current risk tolerance and time horizon to get the most out of your investments. And that's for the purpose of retirement.","start_word":675,"end_word":869,"sentiment":"neutral","sentiment_score":0.1245252937078476},{"text":"So in retirement, you'd like to be able to be debt free and be able to live a comfortable lifestyle and enjoy your golden years.","start_word":870,"end_word":894,"sentiment":"positive","sentiment_score":0.36833539605140686},{"text":"You would like to retire by the age of 60 with an ideal income of $1,500 a week. Is that correct? Yeah. That's correct. Yeah.","start_word":895,"end_word":919,"sentiment":"neutral","sentiment_score":0.18973299860954285},{"text":"Beautiful.","start_word":920,"end_word":920,"sentiment":"positive","sentiment_score":0.5614550709724426},{"text":"And personal insurance. Now I've also scoped this in because we as we identified, you know, we wanna make sure that you're covered. And if you are paying premiums recovered, you wanna make sure you're covered for enough. K? And I'll walk you through that a little bit. But from a goal perspective, personal insurance, you would like to explore all forms of color to ensure that you are adequately covered in the event that anything were to happen to you or your partner's lifestyle or anything to you, so that your partner's lifestyle would not be affected by any unforeseen kind of tragic event. Alright? Yes.","start_word":921,"end_word":1027,"sentiment":"neutral","sentiment_score":0.12177593880724684},{"text":"Beautiful.","start_word":1028,"end_word":1028,"sentiment":"positive","sentiment_score":0.49837979674339294},{"text":"Now keep in mind, I've given a recommendation on top of the life for total permanent disability, which you currently have through Hostplus. Mhmm. I'm also recommending income protection and trauma linked to a life policy that you pay out of your back pocket. This keep in mind that this document is only a recommendation. So we can adjust Right. it. We can change things. We can we we don't you don't have to go with the trauma policy. You can you can structure everything inside super if you like. But just from a recommendation best interest point of view, that's what we're gonna be recommending, and then we can discuss it afterwards. Alright? Okay. Yep. Right.","start_word":1029,"end_word":1145,"sentiment":"neutral","sentiment_score":0.170329749584198},{"text":"Beautiful.","start_word":1146,"end_word":1146,"sentiment":"positive","sentiment_score":0.4158683717250824},{"text":"And after that, it's estate planning. You would like to have you you'd like to have your partner as the recipient of your estate if you were to, let's say, fall off your perch. After something happens to you, cross the road, bypass something like that, then you wanna make sure that, you know, your partner is the one that gets the gets gets all of your assets and the superannuation, things like that. So we're gonna we're gonna have a look at. We're gonna I'm gonna recommend setting up a will and power of attorney. But for the super insurance, we're gonna make sure that your partner's the binding, non lapsing beneficiary nomination for that. Okay? Right. Correct. Do you have any questions about those?","start_word":1147,"end_word":1272,"sentiment":"neutral","sentiment_score":0.15754161775112152},{"text":"No. Not really. Not really. It's just the it's not comfortable the way I hear you. It's not that pleasant conversation at the moment.","start_word":1273,"end_word":1296,"sentiment":"negative","sentiment_score":-0.5860408544540405},{"text":"There's lots of echo and if if you Oh, know what I'm okay. saying. Okay. No. That's alright. What Yep. what what I might do is I might call you off my work mobile. How does that sound? Yeah. And anything anything that you can make Anything it better better than also again. yeah. No. No. That's okay. That's okay. What I'm gonna do is just give you a call directly off the work mobile. If you prefer, what I can do, because I'm I'm the the problem is I'm my headset's been working from my home computer. Do you Yes. have access to the calendar invite? If you prefer, we can just jump on that and actually go through Google Meet if you like. Yeah. Yeah. If that works. Yeah. Sure. Yeah. Did you want did you wanna set that up? Yeah. Okay. Yeah. Let me go through my calendar and what? Yeah. Yeah. So it should be in there. And do you mind if I get Gemini to take notes? Or Yeah. Yeah. Sure. Sure. Yep.","start_word":1297,"end_word":1474,"sentiment":"neutral","sentiment_score":0.02517045848071575},{"text":"Beautiful.","start_word":1475,"end_word":1475,"sentiment":"positive","sentiment_score":0.4309546947479248},{"text":"Alright.","start_word":1476,"end_word":1476,"sentiment":"neutral","sentiment_score":0.30664941668510437},{"text":"So I Beautiful.","start_word":1477,"end_word":1479,"sentiment":"positive","sentiment_score":0.3494783639907837},{"text":"have the calendar in mind. Just gonna work it out. How do we call through So if you open up the do you have g Google Suites or Gmail there? or anything like that? Yeah. I've got Gmail. Yep.","start_word":1480,"end_word":1518,"sentiment":"neutral","sentiment_score":0.10076583921909332},{"text":"Beautiful.","start_word":1519,"end_word":1519,"sentiment":"positive","sentiment_score":0.34071803092956543},{"text":"So if you go on to your calendar, your Google Calendar, and you actually click on the invite itself, there should be a blue link that says, you know, join by Google Meet. Okay. Go with me. But let me see that. So I'm just closing closing my blinds in my home office as it can be fairly glary. Yeah. That's alright.","start_word":1520,"end_word":1581,"sentiment":"neutral","sentiment_score":0.06892400979995728},{"text":"Beautiful.","start_word":1582,"end_word":1582,"sentiment":"positive","sentiment_score":0.4471259117126465},{"text":"Let me set this up. There should be a there should be a little blue box that says, you know, join via via Google Meet, and then I Yes. will admit you in, and we'll go from there. Yeah. If I'm ready to join now.","start_word":1583,"end_word":1627,"sentiment":"neutral","sentiment_score":0.15779168837600285},{"text":"Amazing. Alright. I'm just jumping in.","start_word":1628,"end_word":1633,"sentiment":"positive","sentiment_score":0.4794391095638275},{"text":"I'll speak to you soon. Yeah. No worries.","start_word":1634,"end_word":1641,"sentiment":"neutral","sentiment_score":0.29165056347846985},{"text":"She's Beautiful. Thanks. Bye.","start_word":1642,"end_word":1645,"sentiment":"positive","sentiment_score":0.5882319211959839}],"average":{"sentiment":"neutral","sentiment_score":0.0710332801825546}}}}