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Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Beautiful. And just while I have you, I'll just get you to confirm your full name, date of birth, and address, please. Fantastic. Thank you for that. How are you doing today? Very good. Thanks. Glad it's Friday. The purpose of my call this morning is just to complete your annual review that we had scheduled in. Do you still have time to do that? Fantastic. Alright. So what I'm going to do is I'm going to start by running through the information that we have on file for you to make sure that it is still current and correct because any changes can lead to alternative advice if needed. So what I'm gonna do is I'm gonna run through your personal situation at the moment. I have you as married to Renee. Is that still correct? Pardon? Sorry. It dropped out there. No. An until notified otherwise. I also have you having two dependents. Is that right? Yeah. What's their name? Oh, beautiful. And how old are they? Oh, wow. Good ages. Oh, I've got a girl and a boy, and they fight a lot too. So I don't think it's any my girl's 10. And at the moment, the only thing I get out of her when I ask a question is, mhmm, and it is driving me insane. Alright. From an employment and income perspective, I have your employment occupation down as director and caravan and boat detailer. Is that right? Yep. Are you self employed or employed? Self employed. And how many hours per week do you roughly work? Yep. Yep. And how long have you been self employed for? Beautiful. And your business is still called CJS Specialized Detailing? Fantastic. I have your income down as 70,000. Is that is that right? Alright. And your expenditure, so living expenses excluding mortgage or any other debt is $3.50. Would that be correct or more? Yeah. 5 100? Yeah. Yep. And are you managing to have do any savings per week? Yeah. Yeah. Okay. So okay. So, like, your offset or just directly into the mortgage? Yep. How much per week do you reckon you put into Just roughly. Beautiful. And are you paying yourself super? Beautiful. The 12%? Okay. Any additional amounts or just the 12%? Yep. Beautiful. Your home, we have valued here at 425,000. Do you that's still accurate? Oh, beautiful. And we have debt of 196. Yep. Oh, fantastic. Thank you. 184. Fantastic. And we have a car here, our value at 4,000. Would that be correct? Okay. Mhmm. That's okay. I can I can put it down anyway? I'll just note it as a business vehicle. 70. Yep. And what is there any debt on it? Or yep. And that's all through the business. Yep. Fantastic. What's the debt on it? Yep. Beautiful. What type of car did you get? Oh, nice. I've seen those driving around. They look good. That's good. That's good. Any other assets or debts that you can think of? No. Fantastic. Just to finish off the financial questions, have you ever been declared bankrupt or had a debt agreement? No. Fantastic. Moving on to the health and lifestyle side of things. Are you a smoker? Have you been a smoker in the past? Perfect. Do you have any significant health injuries or illnesses? Nope. I asked that the wrong way. I should have said health issues. Don't don't mind me. Friday. Do you take any medication at all? Do you have private health? Nope. And we have your height here at a hundred and eighty one centimeters and your weight at seventy five. Would that still be accurate? Yep. And from an estate planning perspective, I have here recorded that you don't have a will or power of attorney. Is that right? Or okay. Okay. So beautiful. Alright. I'm gonna jump up to what your goals and objectives were last time you had a review. One of them was that you would like to knock down the house and rebuild. Is that still something that you're working towards? Yep. Okay. Have you got a time frame that you're looking at that? No. And you're not sure of what it's gonna cost you or anything like that? Yep. Absolutely fine. With retirement, we have here a retirement goal of it's a lifestyle and travel around Australia goal. You don't wanna you do want to improve your camping setup and purchase a camping trailer. Apart that, you haven't really thought about retirement itself. Still correct? Yep. So I'm gonna ask a couple of probing questions here. They might sound weird, but it just helps us to see long term what it is that you're working towards. So given that you are 32 years of age, retirement is a little while off yet. But based on today's dollars, if you were debt free, children were financially independent, you know, all those kind of types of things, how much would you and Renee need to live comfortably in retirement in today's dollars, bearing in mind that that's gonna, you know, inflate over time, but just in today's dollars? Yep. Beautiful. I'm gonna put a thousand dollars per week. And retirement age for yourself, ideally, what would you like to aim towards? It is, isn't it? If you were able to financially, would it be 60? Would it be 65? If in a perfect world, what would what would be the age you'd like to retire? 70. Very nice. You're gonna go the long haul. It's it's a transition. I can tell you that. Working with advice and for a very long time and and people reaching retirement, it's a transition, not just financially, but mentally so that you've got things to do and mentally so that you've got things to do and plans when you do retire because a lot of people go stir crazy because we're so used to working. So it is it is a bit of both, so I understand that. With your superannuation, the goal you had that is you wanna look into options with other funds, which we did for you. You did mention that you'd like some ethical investments because your wife is studying to be a ecological scientist. Is that still something that you're wanting, or are you more looking towards gross options to make sure that your portfolio not that they wouldn't the ethical options don't perform, but I guess I'm probably trying to understand that a bit better from you. Yep. Yep. Yep. Okay. With the ethical options, what part of your portfolio would you want made up of ethical options? Yeah. Percentage wise would be a good start because then I can work backwards. Yeah. Okay. Okay. Alright. Leave that with me. That's something I'm gonna look at because at the moment, you don't have a large exposure to that. So that's something I am gonna look at for you. And you insurance wise, your goal was you're quite happy with your insurances, and everything seems to cover you for what you need. We can go through what your levels of cover are shortly. So do you think that's still appropriate? Yep. From a estate planning perspective, have you and Renee talked to anybody about getting those in place? No. Okay. What I can do is we work with a professional partner. I can send you through a brochure about those documents. It gives you a bit of a price guide. Being in the industry for a really, really long time, the prices they charge are really, really, really reasonable compared to what I've seen in my time. So given that you've got two young daughters, if something was to happen to you, it's not only just the estate side of things of where things go. There's the guardianship to consider those types of things. So would you like me to send you through the the brochure? And once you and Renee have had a chance to look at it, if you want me to arrange an introduction, I can. And it can all be done virtually as well, like through emails, phone calls, those sorts of things. Absolutely. Okay. So with that surplus cash flow at the moment, a 150 per week into your offset account, are you happy to maintain that to keep reducing debt, or did you wanna look at investing it? What's your perp I mean, I guess, is that what your plan is still to reduce debt? Yep. Fantastic. Beautiful. Alright. Do you have access to your emails at all? Yeah. So you would have received an email just recently from. That's come from me. It is your review pack. And when you open the email, there's an option in there that says a button, I believe, that says sign. If you open that, it'll bring up your review pack. You're not signing anything right now. We're just gonna talk through it. And then at the end, if you're comfortable or if you've got any questions or you need some time, we'll get you to sign the documents required then. So the first document is just a overview summary of what you have. So you've got your hub twenty four account at a 94000 1 And 60, and you've got your life and TPD insurance with ClearView funded through your superannuation fund. So it costs $290 per annum rounded up. The two things that I note, being self employed, you don't have income protection cover. Is there a reason for that? Okay. Yep. Okay. Alright. So what I'll do is I'm going to explain it. If at any point I lose you, let me know. It's pretty straightforward. Basically, what income protection to do is designed to do, if you think of it similar to a a work cover policy, I guess, for employees, but that's only covers them at work. So an income protection policy will cover up to 70% of your taxable income. So that would be the 70,000 that you pay yourself, and you're covered for injury or illness twenty four hours a day, seven days a week. Now being self employed, I think it's critical you have this cover because if you were unable to work due to injury or illness, you're gonna lose your income. So the next step from that down is is two things called a waiting period and a benefit period. A waiting period, I like to explain as a car excess. If you liken it to that, it's the number of days you have to be off work consecutively before you can claim. So that the minimum being thirty days, and then from there on up, it goes sixty and ninety. So depending on and then, obviously, more after that, but they're not very popular. So if you have sufficient savings or redraw in your home loan, you might be able to last a longer waiting period. But because those those waiting periods do obviously impact the the premium of the policy. The next section is the benefit period. This dictates how men how much time you can be paid on based on an injury or illness. They start at two years, five years, and to age 65 being the average standard average standard retirement date. So I strongly, strongly recommend that we look at this cover for you. And the and, additionally, there's two options for payment. You can pay it through your super fund the same way that your life and TPD is funded, or you can pay it through your personal cash flow, and it can be claimed as a personal tax deduction. So it's really a preference as to, you know, do you get typically get a tax bill? Do you want the tax deduction? Do you want it paid through super? Kind of guided by well enough? Yeah. Okay. No. You're absolutely fine. Yes. I can. Sorry? Oh, you're fine. I'll try and not take up too much of your time. Yep. That's absolutely fine. What I'm going to do is that's gonna be my homework to do to investigate further for you along with your ethical options within your your fund. The other piece of insurance or the other type of policy, I should say, that's available is called trauma insurance. It's a lump sum cover that pays you if you're diagnosed with a specific illness. They range from cancer, stroke, heart attack, neurological conditions, and that premium is paid from your personal cash flow. So it's kind of like a stop a stop gap between your income protection and your TPD where it it would it's a lump sum tax free just to get you through the recuperation period. Typically, with a trauma claim, we see that clients aren't terminal. They're just they've had a a diagnosis, and it's more about recovering and the financial impact that has as opposed to the income protection side of things where you're probably likely to be off work for a longer term. Beautiful. That's absolutely fine. And the last thing with your insurance, your insurance, some insureds are just shy of 300,000 rounded up for life and TPD. Is that still relevant to for Renee and Elizabeth and Penelope? So, basically, looking at those figures, it's gonna pay your debt, and it's gonna leave about a $100 plus your super balance to Renee and the girls. Is that enough? Is that what you're hoping to achieve with that? Is there any higher cover needed? Would Renee need more funds to yep. Perfect. Okay. Beautiful. Next document over in that pack is the performance for your super fund. Now there's you'll note the very top one is the Benelon Australian Equities Fund, had a very poor performance. We don't typically rush to replace investments if just due to performance. Unfortunately, Bennelong has been a longer term underperformer, and it's not that the Australian share market has underperformed itself. It's more that their investment mandate isn't rolling with the Australian share market at the moment. So they look at under they try to identify underperforming companies for potential growth, whereas the share market has kind of faded, you know, the the financials and the resources sector. So so with your permission, what we're doing at the moment is looking to replace Benelon. But given that we're gonna look at the ethical options as well, I think that's suitable for you. Alright. Fantastic. Alright. So the twelve month performance was pretty abysmal, 0.55%, and that's attributed to the Bennelong Australian Equities Fund. The next document over is a six month performance report. So you can see that Bennelong's bouncing back a little bit over the last six months, and your return in the last six months has gone back up to 7.81%. So it's it's recovering. Like, the Benelong Fund is recovering, but it's still something that we're not comfortable maintaining in our clients' portfolios. The next document is the Vanguard index chart. It's a visual tool that we just share with our clients to explain how your funds are invested. So in a you're invested as a high growth investor. So what that means is 90% of your superannuation in the top four, your US shares, Australian shares, international shares, and property. So you can see the volatility that those sectors experience with your remaining 10% in the Australian bonds and cash, which provides a little bit of growth over the long term, but it's more an income producing defensive asset. Are you happy to continue maintaining that approach to investment for your superannuation? Yeah. Yep. Okay. Fantastic. The next document I know about is your certificate of currency. So all that is is the actual ClearView document that confirms the levels of cover on the front page, so your life and TPD cover. And the next document is our financial services guide. So what that is is it explains to you who we are, who our licensee is that we're licensed by, what advice we provide, how we provide it, fees, and complaints if there's a situation and that you need to make a complaint for the complaint process. And this document's always available on the website also. The next document is the ongoing fee that we do charge from your superannuation fund. So if you wish to main remain a client of Oakview, that fee is 155 the 1 hun $1,554 rounded up to make it nice and easy, which equates to about a $130 a month that's deducted from your hub twenty four account. So if you do if you're happy and comfortable with that, that is one of the documents that we do need you to sign. And then the final document is your tax file number authority. So we do hold your tax file number on file because we set up your superannuation fund. This is just a form for you to sign saying that you're happy and you acknowledge that we do hold that for you on your behalf. So those last two documents need signatures. I've just downloaded a hell of a lot of information for you. Any questions? Yep. Fantastic. Fantastic. Yeah. Beautiful. Income protection. Yep. Yep. Certainly am. What what we'll do is Yeah. So if Clearview is appropriate, it's likely to be with Clearview. You'll have to go through the whole underwriting process again, which I'm gonna ask I'm gonna keep it short, but I'll ask you some questions to do that. But if Clearview isn't the most appropriate in the market being, say, premium wise policy definitions, we can look at other companies. But before I do that, I just wanted to run through a couple of quick Is that okay to have about five more minutes of your time? Alright. What percentage of your daily routine or duties involve a manual component? Just work. Yep. Yep. Yep. And that's detailing. Yep. Do you work at heights or anything like that or work with any hazardous materials? Yep. Do you go do you go 12 meters at all? No? Okay. Fantastic. With 80%, the remaining 20%, is that book work or office work? What's that? Yep. Yep. Fantastic. Yeah. Yeah. Of course. No. I understand. Do you intend on making any changes to your occupation in the next twelve months? Okay. What do you what are you thinking? Yep. Yep. Mhmm. Okay. So will you still be working in the same, like, industry doing the same kind of duties? Yeah. Okay. Yep. Okay. In what respect? Yep. Yeah. Okay. Yep. Yep. Perfect. Yeah. So it's yeah. So you're not really changing your occupation. It's just that your your off your field work would increase I mean, re decrease and your office work would increase, so that's fine. I understand that. Thank you. Do you have a second occupation at all? No. Do you intend to travel or live overseas any time, say, within the next twelve to eight months for a holiday or work? No. Do you participate in any sports or pastimes or hobbies? Yep. No. That's okay. What what they're looking for there is more like if you play football or you skydive or go rock climbing, like those kind of ones that you get hurt more often. Perfect. Have you sorry. But I have to ask. Have you ever taken any illicit drugs? No? Okay. Do you drink alcohol? Yep. Okay. So on average, how much do you think you drink per week? None? Yep. Yep. Beautiful. I've got your height and weight. Have you lost any weight in the last twelve months? No. You'd know. So in in the last twelve months, have you been able to unable to perform your occupation due to injury any injury or illness? No. Ever had any work cover claims? Any insurance applications declined? Nope. I'm just gonna briefly run through some health conditions that and just a simple yes or no whether you've sought advice or treatment from a health professional. So any type of stress, anxiety, depression, mental health, any skin cancers, moles, cysts, lesions? Any back pain, neck pain? Any broken bones, muscles, ligaments, tendon tears? Any blood borne diseases, any heart or blood condition, any cancer, any asthma or respiratory conditions, any issues with the eyes or ears outside of wearing glasses or contact lenses, any high blood pressure or cholesterol, Any diabetes or thyroid conditions? Any skin conditions like eczema or dermatitis? Any other condition or surgery that you can think of? No. Fantastic. Alright. Do you intend on seeing a doctor for anything, any test investigation or surgery at the at the moment? Beautiful. Alright. Last question. Sorry. And I'll get through them quickly. These are in relation to immediate family members, so your mom, dad, or siblings, and just if they've ever been diagnosed with any of the following or suffered from them. Heart disease, heart attack, or stroke, multiple cirrhosis, Parkinson's, or Alzheimer's, muscular dystrophy, Huntington's, or any motor neuron disease. Any bowel cancer or melanoma. Any polycystic kidney disease. Breast or ovarian cancer, mental health condition, cardiomyopathy or diabetes or anything else that you can think of? Fantastic. Alright. I think I've taken enough of your time in relation to answering all those probing questions. Do you have any other questions from me? Yep. Okay. So what I'm gonna do is I'm gonna go away and look at those ethical options for you, have a look at the income protection. What I would say is in about two weeks' time, we would have we would have to book in a time to present any changes. So the investment options and the, options and the income protection. I can book that in now, or would you like me to just reach out and book that in when it's ready. Okay. Beautiful. Alright. Is there any day of the week that's best for you? Is it a Friday? Yeah. I mean, I can do any any any day. I just whatever's best for you. No. I yeah. Okay. What about Friday, the twenty fifth? Would you like around the same time, 09:00? Alright. Fantastic. I will send you through a calendar invite so that goes into your calendar, and we will speak then and get these things sorted for you. Thank you for your time, and I look forward to speaking to you then. Enjoy your weekend. Okay. 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James. It's Jenna here phoning from Oakview Financial. How are you today? I'm good. Thanks.\n\nJust before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Beautiful. And just while I have you, I'll just get you to confirm your full name, date of birth, and address, please. Fantastic.\n\nThank you for that. How are you doing today? Very good. Thanks. Glad it's Friday.\n\nThe purpose of my call this morning is just to complete your annual review that we had scheduled in. Do you still have time to do that? Fantastic. Alright. So what I'm going to do is I'm going to start by running through the information that we have on file for you to make sure that it is still current and correct because any changes can lead to alternative advice if needed.\n\nSo what I'm gonna do is I'm gonna run through your personal situation at the moment. I have you as married to Renee. Is that still correct? Pardon? Sorry.\n\nIt dropped out there. No. An until notified otherwise. I also have you having two dependents. Is that right?\n\nYeah. What's their name? Oh, beautiful. And how old are they? Oh, wow.\n\nGood ages. Oh, I've got a girl and a boy, and they fight a lot too. So I don't think it's any my girl's 10. And at the moment, the only thing I get out of her when I ask a question is, mhmm, and it is driving me insane. Alright.\n\nFrom an employment and income perspective, I have your employment occupation down as director and caravan and boat detailer. Is that right? Yep. Are you self employed or employed? Self employed.\n\nAnd how many hours per week do you roughly work? Yep. Yep. And how long have you been self employed for? Beautiful.\n\nAnd your business is still called CJS Specialized Detailing? Fantastic. I have your income down as 70,000. Is that is that right? Alright.\n\nAnd your expenditure, so living expenses excluding mortgage or any other debt is $3.50. Would that be correct or more? Yeah. 5 100? Yeah.\n\nYep. And are you managing to have do any savings per week? Yeah. Yeah. Okay.\n\nSo okay. So, like, your offset or just directly into the mortgage? Yep. How much per week do you reckon you put into Just roughly. Beautiful.\n\nAnd are you paying yourself super? Beautiful. The 12%? Okay. Any additional amounts or just the 12%?\n\nYep. Beautiful. Your home, we have valued here at 425,000. Do you that's still accurate? Oh, beautiful.\n\nAnd we have debt of 196. Yep. Oh, fantastic. Thank you. 184.\n\nFantastic. And we have a car here, our value at 4,000. Would that be correct? Okay. Mhmm.\n\nThat's okay. I can I can put it down anyway? I'll just note it as a business vehicle. 70. Yep.\n\nAnd what is there any debt on it? Or yep. And that's all through the business. Yep. Fantastic.\n\nWhat's the debt on it? Yep. Beautiful. What type of car did you get? Oh, nice.\n\nI've seen those driving around. They look good. That's good. That's good. Any other assets or debts that you can think of?\n\nNo. Fantastic. Just to finish off the financial questions, have you ever been declared bankrupt or had a debt agreement? No. Fantastic.\n\nMoving on to the health and lifestyle side of things. Are you a smoker? Have you been a smoker in the past? Perfect. Do you have any significant health injuries or illnesses?\n\nNope. I asked that the wrong way. I should have said health issues. Don't don't mind me. Friday.\n\nDo you take any medication at all? Do you have private health? Nope. And we have your height here at a hundred and eighty one centimeters and your weight at seventy five. Would that still be accurate?\n\nYep. And from an estate planning perspective, I have here recorded that you don't have a will or power of attorney. Is that right? Or okay. Okay.\n\nSo beautiful. Alright. I'm gonna jump up to what your goals and objectives were last time you had a review. One of them was that you would like to knock down the house and rebuild. Is that still something that you're working towards?\n\nYep. Okay. Have you got a time frame that you're looking at that? No. And you're not sure of what it's gonna cost you or anything like that?\n\nYep. Absolutely fine. With retirement, we have here a retirement goal of it's a lifestyle and travel around Australia goal. You don't wanna you do want to improve your camping setup and purchase a camping trailer. Apart that, you haven't really thought about retirement itself.\n\nStill correct? Yep. So I'm gonna ask a couple of probing questions here. They might sound weird, but it just helps us to see long term what it is that you're working towards. So given that you are 32 years of age, retirement is a little while off yet.\n\nBut based on today's dollars, if you were debt free, children were financially independent, you know, all those kind of types of things, how much would you and Renee need to live comfortably in retirement in today's dollars, bearing in mind that that's gonna, you know, inflate over time, but just in today's dollars? Yep. Beautiful. I'm gonna put a thousand dollars per week. And retirement age for yourself, ideally, what would you like to aim towards?\n\nIt is, isn't it? If you were able to financially, would it be 60? Would it be 65? If in a perfect world, what would what would be the age you'd like to retire? 70.\n\nVery nice. You're gonna go the long haul. It's it's a transition. I can tell you that. Working with advice and for a very long time and and people reaching retirement, it's a transition, not just financially, but mentally so that you've got things to do and mentally so that you've got things to do and plans when you do retire because a lot of people go stir crazy because we're so used to working.\n\nSo it is it is a bit of both, so I understand that. With your superannuation, the goal you had that is you wanna look into options with other funds, which we did for you. You did mention that you'd like some ethical investments because your wife is studying to be a ecological scientist. Is that still something that you're wanting, or are you more looking towards gross options to make sure that your portfolio not that they wouldn't the ethical options don't perform, but I guess I'm probably trying to understand that a bit better from you. Yep.\n\nYep. Yep. Okay. With the ethical options, what part of your portfolio would you want made up of ethical options? Yeah.\n\nPercentage wise would be a good start because then I can work backwards. Yeah. Okay. Okay. Alright.\n\nLeave that with me. That's something I'm gonna look at because at the moment, you don't have a large exposure to that. So that's something I am gonna look at for you. And you insurance wise, your goal was you're quite happy with your insurances, and everything seems to cover you for what you need. We can go through what your levels of cover are shortly.\n\nSo do you think that's still appropriate? Yep. From a estate planning perspective, have you and Renee talked to anybody about getting those in place? No. Okay.\n\nWhat I can do is we work with a professional partner. I can send you through a brochure about those documents. It gives you a bit of a price guide. Being in the industry for a really, really long time, the prices they charge are really, really, really reasonable compared to what I've seen in my time. So given that you've got two young daughters, if something was to happen to you, it's not only just the estate side of things of where things go.\n\nThere's the guardianship to consider those types of things. So would you like me to send you through the the brochure? And once you and Renee have had a chance to look at it, if you want me to arrange an introduction, I can. And it can all be done virtually as well, like through emails, phone calls, those sorts of things. Absolutely.\n\nOkay. So with that surplus cash flow at the moment, a 150 per week into your offset account, are you happy to maintain that to keep reducing debt, or did you wanna look at investing it? What's your perp I mean, I guess, is that what your plan is still to reduce debt? Yep. Fantastic.\n\nBeautiful. Alright. Do you have access to your emails at all? Yeah. So you would have received an email just recently from.\n\nThat's come from me. It is your review pack. And when you open the email, there's an option in there that says a button, I believe, that says sign. If you open that, it'll bring up your review pack. You're not signing anything right now.\n\nWe're just gonna talk through it. And then at the end, if you're comfortable or if you've got any questions or you need some time, we'll get you to sign the documents required then. So the first document is just a overview summary of what you have. So you've got your hub twenty four account at a 94000 1 And 60, and you've got your life and TPD insurance with ClearView funded through your superannuation fund. So it costs $290 per annum rounded up.\n\nThe two things that I note, being self employed, you don't have income protection cover. Is there a reason for that? Okay. Yep. Okay.\n\nAlright. So what I'll do is I'm going to explain it. If at any point I lose you, let me know. It's pretty straightforward. Basically, what income protection to do is designed to do, if you think of it similar to a a work cover policy, I guess, for employees, but that's only covers them at work.\n\nSo an income protection policy will cover up to 70% of your taxable income. So that would be the 70,000 that you pay yourself, and you're covered for injury or illness twenty four hours a day, seven days a week. Now being self employed, I think it's critical you have this cover because if you were unable to work due to injury or illness, you're gonna lose your income. So the next step from that down is is two things called a waiting period and a benefit period. A waiting period, I like to explain as a car excess.\n\nIf you liken it to that, it's the number of days you have to be off work consecutively before you can claim. So that the minimum being thirty days, and then from there on up, it goes sixty and ninety. So depending on and then, obviously, more after that, but they're not very popular. So if you have sufficient savings or redraw in your home loan, you might be able to last a longer waiting period. But because those those waiting periods do obviously impact the the premium of the policy.\n\nThe next section is the benefit period. This dictates how men how much time you can be paid on based on an injury or illness. They start at two years, five years, and to age 65 being the average standard average standard retirement date. So I strongly, strongly recommend that we look at this cover for you. And the and, additionally, there's two options for payment.\n\nYou can pay it through your super fund the same way that your life and TPD is funded, or you can pay it through your personal cash flow, and it can be claimed as a personal tax deduction. So it's really a preference as to, you know, do you get typically get a tax bill? Do you want the tax deduction? Do you want it paid through super? Kind of guided by well enough?\n\nYeah. Okay. No. You're absolutely fine. Yes.\n\nI can. Sorry? Oh, you're fine. I'll try and not take up too much of your time. Yep.\n\nThat's absolutely fine. What I'm going to do is that's gonna be my homework to do to investigate further for you along with your ethical options within your your fund. The other piece of insurance or the other type of policy, I should say, that's available is called trauma insurance. It's a lump sum cover that pays you if you're diagnosed with a specific illness. They range from cancer, stroke, heart attack, neurological conditions, and that premium is paid from your personal cash flow.\n\nSo it's kind of like a stop a stop gap between your income protection and your TPD where it it would it's a lump sum tax free just to get you through the recuperation period. Typically, with a trauma claim, we see that clients aren't terminal. They're just they've had a a diagnosis, and it's more about recovering and the financial impact that has as opposed to the income protection side of things where you're probably likely to be off work for a longer term. Beautiful. That's absolutely fine.\n\nAnd the last thing with your insurance, your insurance, some insureds are just shy of 300,000 rounded up for life and TPD. Is that still relevant to for Renee and Elizabeth and Penelope? So, basically, looking at those figures, it's gonna pay your debt, and it's gonna leave about a $100 plus your super balance to Renee and the girls. Is that enough? Is that what you're hoping to achieve with that?\n\nIs there any higher cover needed? Would Renee need more funds to yep. Perfect. Okay. Beautiful.\n\nNext document over in that pack is the performance for your super fund. Now there's you'll note the very top one is the Benelon Australian Equities Fund, had a very poor performance. We don't typically rush to replace investments if just due to performance. Unfortunately, Bennelong has been a longer term underperformer, and it's not that the Australian share market has underperformed itself. It's more that their investment mandate isn't rolling with the Australian share market at the moment.\n\nSo they look at under they try to identify underperforming companies for potential growth, whereas the share market has kind of faded, you know, the the financials and the resources sector. So so with your permission, what we're doing at the moment is looking to replace Benelon. But given that we're gonna look at the ethical options as well, I think that's suitable for you. Alright. Fantastic.\n\nAlright. So the twelve month performance was pretty abysmal, 0.55%, and that's attributed to the Bennelong Australian Equities Fund. The next document over is a six month performance report. So you can see that Bennelong's bouncing back a little bit over the last six months, and your return in the last six months has gone back up to 7.81%. So it's it's recovering.\n\nLike, the Benelong Fund is recovering, but it's still something that we're not comfortable maintaining in our clients' portfolios. The next document is the Vanguard index chart. It's a visual tool that we just share with our clients to explain how your funds are invested. So in a you're invested as a high growth investor. So what that means is 90% of your superannuation in the top four, your US shares, Australian shares, international shares, and property.\n\nSo you can see the volatility that those sectors experience with your remaining 10% in the Australian bonds and cash, which provides a little bit of growth over the long term, but it's more an income producing defensive asset. Are you happy to continue maintaining that approach to investment for your superannuation? Yeah. Yep. Okay.\n\nFantastic. The next document I know about is your certificate of currency. So all that is is the actual ClearView document that confirms the levels of cover on the front page, so your life and TPD cover. And the next document is our financial services guide. So what that is is it explains to you who we are, who our licensee is that we're licensed by, what advice we provide, how we provide it, fees, and complaints if there's a situation and that you need to make a complaint for the complaint process.\n\nAnd this document's always available on the website also. The next document is the ongoing fee that we do charge from your superannuation fund. So if you wish to main remain a client of Oakview, that fee is 155 the 1 hun $1,554 rounded up to make it nice and easy, which equates to about a $130 a month that's deducted from your hub twenty four account. So if you do if you're happy and comfortable with that, that is one of the documents that we do need you to sign. And then the final document is your tax file number authority.\n\nSo we do hold your tax file number on file because we set up your superannuation fund. This is just a form for you to sign saying that you're happy and you acknowledge that we do hold that for you on your behalf. So those last two documents need signatures. I've just downloaded a hell of a lot of information for you. Any questions?\n\nYep. Fantastic. Fantastic. Yeah. Beautiful.\n\nIncome protection. Yep. Yep. Certainly am. What what we'll do is Yeah.\n\nSo if Clearview is appropriate, it's likely to be with Clearview. You'll have to go through the whole underwriting process again, which I'm gonna ask I'm gonna keep it short, but I'll ask you some questions to do that. But if Clearview isn't the most appropriate in the market being, say, premium wise policy definitions, we can look at other companies. But before I do that, I just wanted to run through a couple of quick Is that okay to have about five more minutes of your time? Alright.\n\nWhat percentage of your daily routine or duties involve a manual component? Just work. Yep. Yep. Yep.\n\nAnd that's detailing. Yep. Do you work at heights or anything like that or work with any hazardous materials? Yep. Do you go do you go 12 meters at all?\n\nNo? Okay. Fantastic. With 80%, the remaining 20%, is that book work or office work? What's that?\n\nYep. Yep. Fantastic. Yeah. Yeah.\n\nOf course. No. I understand. Do you intend on making any changes to your occupation in the next twelve months? Okay.\n\nWhat do you what are you thinking? Yep. Yep. Mhmm. Okay.\n\nSo will you still be working in the same, like, industry doing the same kind of duties? Yeah. Okay. Yep. Okay.\n\nIn what respect? Yep. Yeah. Okay. Yep.\n\nYep. Perfect. Yeah. So it's yeah. So you're not really changing your occupation.\n\nIt's just that your your off your field work would increase I mean, re decrease and your office work would increase, so that's fine. I understand that. Thank you. Do you have a second occupation at all? No.\n\nDo you intend to travel or live overseas any time, say, within the next twelve to eight months for a holiday or work? No. Do you participate in any sports or pastimes or hobbies? Yep. No.\n\nThat's okay. What what they're looking for there is more like if you play football or you skydive or go rock climbing, like those kind of ones that you get hurt more often. Perfect. Have you sorry. But I have to ask.\n\nHave you ever taken any illicit drugs? No? Okay. Do you drink alcohol? Yep.\n\nOkay. So on average, how much do you think you drink per week? None? Yep. Yep.\n\nBeautiful. I've got your height and weight. Have you lost any weight in the last twelve months? No. You'd know.\n\nSo in in the last twelve months, have you been able to unable to perform your occupation due to injury any injury or illness? No. Ever had any work cover claims? Any insurance applications declined? Nope.\n\nI'm just gonna briefly run through some health conditions that and just a simple yes or no whether you've sought advice or treatment from a health professional. So any type of stress, anxiety, depression, mental health, any skin cancers, moles, cysts, lesions? Any back pain, neck pain? Any broken bones, muscles, ligaments, tendon tears? Any blood borne diseases, any heart or blood condition, any cancer, any asthma or respiratory conditions, any issues with the eyes or ears outside of wearing glasses or contact lenses, any high blood pressure or cholesterol, Any diabetes or thyroid conditions?\n\nAny skin conditions like eczema or dermatitis? Any other condition or surgery that you can think of? No. Fantastic. Alright.\n\nDo you intend on seeing a doctor for anything, any test investigation or surgery at the at the moment? Beautiful. Alright. Last question. Sorry.\n\nAnd I'll get through them quickly. These are in relation to immediate family members, so your mom, dad, or siblings, and just if they've ever been diagnosed with any of the following or suffered from them. Heart disease, heart attack, or stroke, multiple cirrhosis, Parkinson's, or Alzheimer's, muscular dystrophy, Huntington's, or any motor neuron disease. Any bowel cancer or melanoma. Any polycystic kidney disease.\n\nBreast or ovarian cancer, mental health condition, cardiomyopathy or diabetes or anything else that you can think of? Fantastic. Alright. I think I've taken enough of your time in relation to answering all those probing questions. Do you have any other questions from me?\n\nYep. Okay. So what I'm gonna do is I'm gonna go away and look at those ethical options for you, have a look at the income protection. What I would say is in about two weeks' time, we would have we would have to book in a time to present any changes. So the investment options and the, options and the income protection.\n\nI can book that in now, or would you like me to just reach out and book that in when it's ready. Okay. Beautiful. Alright. Is there any day of the week that's best for you?\n\nIs it a Friday? Yeah. I mean, I can do any any any day. I just whatever's best for you. No.\n\nI yeah. Okay. What about Friday, the twenty fifth? Would you like around the same time, 09:00? Alright.\n\nFantastic. I will send you through a calendar invite so that goes into your calendar, and we will speak then and get these things sorted for you. Thank you for your time, and I look forward to speaking to you then. Enjoy your weekend. Okay.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hi, James.","start":2.3999999,"end":3.12,"sentiment":"neutral","sentiment_score":0.06689269468188286},{"text":"It's Jenna here phoning from Oakview Financial.","start":3.12,"end":5.44,"sentiment":"neutral","sentiment_score":0.09521483949252538},{"text":"How are you today?","start":5.44,"end":6.42,"sentiment":"neutral","sentiment_score":0.12355355732142925},{"text":"I'm good.","start":8.8,"end":9.36,"sentiment":"positive","sentiment_score":0.45823827385902405},{"text":"Thanks.","start":9.36,"end":9.86,"sentiment":"positive","sentiment_score":0.49775347113609314}],"sentiment":"neutral","sentiment_score":0.16929584462195635,"num_words":16,"start":2.3999999,"end":9.86},{"sentences":[{"text":"Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes.","start":10.08,"end":15.225,"sentiment":"neutral","sentiment_score":0.04616403539219628},{"text":"Is that okay?","start":15.225,"end":16.125,"sentiment":"neutral","sentiment_score":0.049007728695869446},{"text":"Beautiful.","start":18.105,"end":18.605,"sentiment":"positive","sentiment_score":0.38734304904937744},{"text":"And just while I have you, I'll just get you to confirm your full name, date of birth, and address, please.","start":19.065,"end":24.205,"sentiment":"neutral","sentiment_score":0.07563726958774385},{"text":"Fantastic.","start":32.92,"end":33.42,"sentiment":"positive","sentiment_score":0.5210602879524231}],"sentiment":"neutral","sentiment_score":0.07562412241739887,"num_words":49,"start":10.08,"end":33.42},{"sentences":[{"text":"Thank you for that.","start":33.64,"end":34.7,"sentiment":"positive","sentiment_score":0.5672976076602936},{"text":"How are you doing today?","start":35.96,"end":37.18,"sentiment":"positive","sentiment_score":0.37444077134132386},{"text":"Very good.","start":40.12,"end":40.68,"sentiment":"positive","sentiment_score":0.39690665900707245},{"text":"Thanks.","start":40.68,"end":41.18,"sentiment":"positive","sentiment_score":0.4711437225341797},{"text":"Glad it's Friday.","start":41.4,"end":42.315,"sentiment":"positive","sentiment_score":0.45296579599380493}],"sentiment":"positive","sentiment_score":0.4510165810585022,"num_words":15,"start":33.64,"end":42.315},{"sentences":[{"text":"The purpose of my call this morning is just to complete your annual review that we had scheduled in.","start":45.594997,"end":51.515,"sentiment":"neutral","sentiment_score":0.06793232379775298},{"text":"Do you still have time to do that?","start":51.515,"end":53.375,"sentiment":"neutral","sentiment_score":0.026046535465866327},{"text":"Fantastic.","start":55.274998,"end":55.774998,"sentiment":"neutral","sentiment_score":0.3109421133995056},{"text":"Alright.","start":56.714996,"end":57.214996,"sentiment":"neutral","sentiment_score":0.18152526021003723},{"text":"So what I'm going to do is I'm going to start by running through the information that we have on file for you to make sure that it is still current and correct because any changes can lead to alternative advice if needed.","start":57.99,"end":78.615005,"sentiment":"neutral","sentiment_score":0.06241889991039454}],"sentiment":"neutral","sentiment_score":0.0649384236894548,"num_words":72,"start":45.594997,"end":78.615005},{"sentences":[{"text":"So what I'm gonna do is I'm gonna run through your personal situation at the moment.","start":79.075005,"end":85.095,"sentiment":"neutral","sentiment_score":0.011369561194442213},{"text":"I have you as married to Renee.","start":85.555,"end":88.15,"sentiment":"neutral","sentiment_score":0.009691308651651655},{"text":"Is that still correct?","start":88.15,"end":89.53,"sentiment":"neutral","sentiment_score":0.024045053403824568},{"text":"Pardon?","start":91.83,"end":92.33,"sentiment":"neutral","sentiment_score":-0.03011336177587509},{"text":"Sorry.","start":95.19,"end":95.51,"sentiment":"neutral","sentiment_score":-0.06085106357932091}],"sentiment":"neutral","sentiment_score":0.008791997514922044,"num_words":29,"start":79.075005,"end":95.51},{"sentences":[{"text":"It dropped out there.","start":95.51,"end":96.65,"sentiment":"neutral","sentiment_score":-0.06316305510699749},{"text":"No.","start":99.865005,"end":100.105,"sentiment":"neutral","sentiment_score":-0.017318539321422577},{"text":"An until notified otherwise.","start":100.105,"end":101.805,"sentiment":"neutral","sentiment_score":-0.026445082388818264},{"text":"I also have you having two dependents.","start":105.385,"end":107.725,"sentiment":"neutral","sentiment_score":-0.004193604258554322},{"text":"Is that right?","start":107.945,"end":108.765,"sentiment":"neutral","sentiment_score":0.014259994961321354}],"sentiment":"neutral","sentiment_score":-0.019069807064768515,"num_words":19,"start":95.51,"end":108.765},{"sentences":[{"text":"Yeah.","start":110.265,"end":110.585,"sentiment":"neutral","sentiment_score":0.012006092816591265},{"text":"What's their name?","start":110.585,"end":111.645004,"sentiment":"neutral","sentiment_score":0.008843752710769573},{"text":"Oh, beautiful.","start":115.22,"end":115.88,"sentiment":"neutral","sentiment_score":0.083492711186409},{"text":"And how old are they?","start":116.26,"end":117.479996,"sentiment":"neutral","sentiment_score":0.0114693408831954},{"text":"Oh, wow.","start":120.02,"end":120.58,"sentiment":"neutral","sentiment_score":0.023783457465469837}],"sentiment":"neutral","sentiment_score":0.023879722512971897,"num_words":13,"start":110.265,"end":120.58},{"sentences":[{"text":"Good ages.","start":120.58,"end":121.32,"sentiment":"neutral","sentiment_score":0.049211472272872925},{"text":"Oh, I've got a girl and a boy, and they fight a lot too.","start":126.74,"end":130.095,"sentiment":"neutral","sentiment_score":-0.15061253575342043},{"text":"So I don't think it's any my girl's 10.","start":130.095,"end":136.095,"sentiment":"neutral","sentiment_score":-0.23032008277045357},{"text":"And at the moment, the only thing I get out of her when I ask a question is, mhmm, and it is driving me insane.","start":136.095,"end":144.45999,"sentiment":"negative","sentiment_score":-0.3413025975227356},{"text":"Alright.","start":148.68,"end":149.18,"sentiment":"neutral","sentiment_score":0.06604869663715363}],"sentiment":"neutral","sentiment_score":-0.24606959886995017,"num_words":51,"start":120.58,"end":149.18},{"sentences":[{"text":"From an employment and income perspective, I have your employment occupation down as director and caravan and boat detailer.","start":149.48,"end":158.765,"sentiment":"neutral","sentiment_score":0.03969712624032246},{"text":"Is that right?","start":158.825,"end":159.645,"sentiment":"neutral","sentiment_score":0.03763790180285772},{"text":"Yep.","start":161.705,"end":161.785,"sentiment":"neutral","sentiment_score":0.015597974881529808},{"text":"Are you self employed or employed?","start":161.785,"end":163.805,"sentiment":"neutral","sentiment_score":0.003256294255455335},{"text":"Self employed.","start":165.785,"end":166.605,"sentiment":"neutral","sentiment_score":0.002269001444801688}],"sentiment":"neutral","sentiment_score":0.02925267249285694,"num_words":31,"start":149.48,"end":166.605},{"sentences":[{"text":"And how many hours per week do you roughly work?","start":166.825,"end":169.58,"sentiment":"neutral","sentiment_score":0.0037280411925166845},{"text":"Yep.","start":172.44,"end":172.94,"sentiment":"neutral","sentiment_score":0.016943100839853287},{"text":"Yep.","start":173.32,"end":173.82,"sentiment":"neutral","sentiment_score":0.01387658342719078},{"text":"And how long have you been self employed for?","start":173.96,"end":176.22,"sentiment":"neutral","sentiment_score":0.005183971745686399},{"text":"Beautiful.","start":188.125,"end":188.625,"sentiment":"positive","sentiment_score":0.3786196708679199}],"sentiment":"neutral","sentiment_score":0.02242615967142311,"num_words":22,"start":166.825,"end":188.625},{"sentences":[{"text":"And your business is still called CJS Specialized Detailing?","start":189.405,"end":193.425,"sentiment":"neutral","sentiment_score":0.14768684241506788},{"text":"Fantastic.","start":195.405,"end":195.905,"sentiment":"positive","sentiment_score":0.611831784248352},{"text":"I have your income down as 70,000.","start":197.39,"end":199.79001,"sentiment":"neutral","sentiment_score":0.2964667273419244},{"text":"Is that is that right?","start":199.79001,"end":201.65,"sentiment":"neutral","sentiment_score":0.2282365381717682},{"text":"Alright.","start":204.19,"end":204.51,"sentiment":"neutral","sentiment_score":0.07311134040355682}],"sentiment":"neutral","sentiment_score":0.2274162821147753,"num_words":23,"start":189.405,"end":204.51},{"sentences":[{"text":"And your expenditure, so living expenses excluding mortgage or any other debt is $3.50.","start":204.51,"end":212.31499,"sentiment":"neutral","sentiment_score":0.04083435037838561},{"text":"Would that be correct or more?","start":212.53499,"end":214.39499,"sentiment":"neutral","sentiment_score":0.04580166004598141},{"text":"Yeah.","start":218.69499,"end":219.19499,"sentiment":"neutral","sentiment_score":0.02809254080057144},{"text":"5 100?","start":233.51,"end":234.40999,"sentiment":"neutral","sentiment_score":0.03530413191765547},{"text":"Yeah.","start":235.51,"end":235.90999,"sentiment":"neutral","sentiment_score":0.042347706854343414}],"sentiment":"neutral","sentiment_score":0.041147474044313036,"num_words":24,"start":204.51,"end":235.90999},{"sentences":[{"text":"Yep.","start":235.90999,"end":236.40999,"sentiment":"neutral","sentiment_score":0.03377528116106987},{"text":"And are you managing to have do any savings per week?","start":236.925,"end":241.745,"sentiment":"neutral","sentiment_score":0.0223562918942083},{"text":"Yeah.","start":247.565,"end":248.065,"sentiment":"neutral","sentiment_score":0.021052436903119087},{"text":"Yeah.","start":251.405,"end":251.82,"sentiment":"neutral","sentiment_score":0.010807465761899948},{"text":"Okay.","start":254.38,"end":254.88,"sentiment":"neutral","sentiment_score":0.013142649084329603}],"sentiment":"neutral","sentiment_score":0.02164646958311399,"num_words":15,"start":235.90999,"end":254.88},{"sentences":[{"text":"So okay.","start":255.66,"end":256.62,"sentiment":"neutral","sentiment_score":0.025016866624355316},{"text":"So, like, your offset or just directly into the mortgage?","start":256.62,"end":259.76,"sentiment":"neutral","sentiment_score":0.011693897610530257},{"text":"Yep.","start":261.5,"end":261.82,"sentiment":"neutral","sentiment_score":0.013990516774356363},{"text":"How much per week do you reckon you put into Just roughly.","start":261.82,"end":265.81497,"sentiment":"neutral","sentiment_score":0.011720475818340978},{"text":"Beautiful.","start":268.19498,"end":268.69498,"sentiment":"neutral","sentiment_score":0.2614785432815552}],"sentiment":"neutral","sentiment_score":0.022426441508846786,"num_words":26,"start":255.66,"end":268.69498},{"sentences":[{"text":"And are you paying yourself super?","start":270.35498,"end":272.455,"sentiment":"neutral","sentiment_score":0.11411165197690327},{"text":"Beautiful.","start":274.35498,"end":274.835,"sentiment":"neutral","sentiment_score":0.18473604321479797},{"text":"The 12%?","start":274.835,"end":275.81497,"sentiment":"neutral","sentiment_score":0.05032707750797272},{"text":"Okay.","start":277.875,"end":278.25,"sentiment":"neutral","sentiment_score":0.013480231165885924},{"text":"Any additional amounts or just the 12%?","start":278.49,"end":281.23,"sentiment":"neutral","sentiment_score":-0.010047772633177894}],"sentiment":"neutral","sentiment_score":0.05371799604857669,"num_words":17,"start":270.35498,"end":281.23},{"sentences":[{"text":"Yep.","start":281.37,"end":281.87,"sentiment":"neutral","sentiment_score":0.01886817254126072},{"text":"Beautiful.","start":283.29,"end":283.79,"sentiment":"neutral","sentiment_score":0.2714971601963043},{"text":"Your home, we have valued here at 425,000.","start":285.53,"end":289.93,"sentiment":"neutral","sentiment_score":0.15075817331671715},{"text":"Do you that's still accurate?","start":289.93,"end":291.96503,"sentiment":"neutral","sentiment_score":0.08679362013936043},{"text":"Oh, beautiful.","start":300.345,"end":301.005,"sentiment":"neutral","sentiment_score":0.08540693297982216}],"sentiment":"neutral","sentiment_score":0.12360074623104404,"num_words":17,"start":281.37,"end":301.005},{"sentences":[{"text":"And we have debt of 196.","start":301.86502,"end":305.32,"sentiment":"neutral","sentiment_score":0.012061743065714836},{"text":"Yep.","start":309.38,"end":309.88,"sentiment":"neutral","sentiment_score":0.076164111495018},{"text":"Oh, fantastic.","start":311.06,"end":311.8,"sentiment":"positive","sentiment_score":0.44588249921798706},{"text":"Thank you.","start":311.94,"end":312.68,"sentiment":"positive","sentiment_score":0.38308098912239075},{"text":"184.","start":337.22,"end":338.34,"sentiment":"neutral","sentiment_score":0.09706811606884004}],"sentiment":"neutral","sentiment_score":0.15862747188657522,"num_words":12,"start":301.86502,"end":338.34},{"sentences":[{"text":"Fantastic.","start":338.34,"end":338.84,"sentiment":"neutral","sentiment_score":0.3055505156517029},{"text":"And we have a car here, our value at 4,000.","start":340.02002,"end":343.30002,"sentiment":"neutral","sentiment_score":0.10464528873562813},{"text":"Would that be correct?","start":343.30002,"end":344.425,"sentiment":"neutral","sentiment_score":0.05887077562510967},{"text":"Okay.","start":346.885,"end":347.385,"sentiment":"neutral","sentiment_score":0.01349171344190836},{"text":"Mhmm.","start":351.125,"end":351.625,"sentiment":"neutral","sentiment_score":-0.0004412929993122816}],"sentiment":"neutral","sentiment_score":0.09414923093829523,"num_words":17,"start":338.34,"end":351.625},{"sentences":[{"text":"That's okay.","start":351.845,"end":352.505,"sentiment":"neutral","sentiment_score":0.04314965382218361},{"text":"I can I can put it down anyway?","start":356.965,"end":359.96002,"sentiment":"neutral","sentiment_score":-0.0008624492911621928},{"text":"I'll just note it as a business vehicle.","start":359.96002,"end":361.98,"sentiment":"neutral","sentiment_score":0.0079634910216555},{"text":"70.","start":365.80002,"end":366.30002,"sentiment":"neutral","sentiment_score":0.010151262395083904},{"text":"Yep.","start":367.0,"end":367.5,"sentiment":"neutral","sentiment_score":0.008060069754719734}],"sentiment":"neutral","sentiment_score":0.008065948681905865,"num_words":20,"start":351.845,"end":367.5},{"sentences":[{"text":"And what is there any debt on it?","start":369.24002,"end":371.08002,"sentiment":"neutral","sentiment_score":-0.006565732997842133},{"text":"Or yep.","start":371.08002,"end":373.64,"sentiment":"neutral","sentiment_score":-0.0004932277370244265},{"text":"And that's all through the business.","start":373.64,"end":375.845,"sentiment":"neutral","sentiment_score":0.003949364957710107},{"text":"Yep.","start":377.98502,"end":378.385,"sentiment":"neutral","sentiment_score":0.0951615869998932},{"text":"Fantastic.","start":378.385,"end":378.885,"sentiment":"positive","sentiment_score":0.3637241125106811}],"sentiment":"neutral","sentiment_score":0.023837198322224945,"num_words":18,"start":369.24002,"end":378.885},{"sentences":[{"text":"What's the debt on it?","start":379.105,"end":380.48502,"sentiment":"neutral","sentiment_score":0.06509864144027233},{"text":"Yep.","start":387.345,"end":387.57,"sentiment":"neutral","sentiment_score":0.016051044687628746},{"text":"Beautiful.","start":390.77002,"end":391.17,"sentiment":"positive","sentiment_score":0.33995959162712097},{"text":"What type of car did you get?","start":391.17,"end":392.63,"sentiment":"neutral","sentiment_score":0.07747320671166692},{"text":"Oh, nice.","start":394.93,"end":395.75,"sentiment":"neutral","sentiment_score":0.19664594531059265}],"sentiment":"neutral","sentiment_score":0.10106926131993532,"num_words":16,"start":379.105,"end":395.75},{"sentences":[{"text":"I've seen those driving around.","start":396.61002,"end":397.81,"sentiment":"neutral","sentiment_score":0.13000115901231765},{"text":"They look good.","start":397.81,"end":398.71002,"sentiment":"positive","sentiment_score":0.4269427756468455},{"text":"That's good.","start":401.89,"end":402.61002,"sentiment":"positive","sentiment_score":0.5233591198921204},{"text":"That's good.","start":402.61002,"end":403.43,"sentiment":"positive","sentiment_score":0.5001894235610962},{"text":"Any other assets or debts that you can think of?","start":404.495,"end":408.51498,"sentiment":"neutral","sentiment_score":0.08459695391356944}],"sentiment":"neutral","sentiment_score":0.2192682158201933,"num_words":22,"start":396.61002,"end":408.51498},{"sentences":[{"text":"No.","start":413.69498,"end":414.19498,"sentiment":"neutral","sentiment_score":-0.06448118388652802},{"text":"Fantastic.","start":415.455,"end":415.955,"sentiment":"neutral","sentiment_score":0.19660216569900513},{"text":"Just to finish off the financial questions, have you ever been declared bankrupt or had a debt agreement?","start":418.44,"end":423.98,"sentiment":"neutral","sentiment_score":0.02417262250350581},{"text":"No.","start":426.2,"end":426.7,"sentiment":"neutral","sentiment_score":-0.016774671152234077},{"text":"Fantastic.","start":426.76,"end":427.26,"sentiment":"neutral","sentiment_score":0.05827550590038299}],"sentiment":"neutral","sentiment_score":0.027669500982896847,"num_words":22,"start":413.69498,"end":427.26},{"sentences":[{"text":"Moving on to the health and lifestyle side of things.","start":428.44,"end":431.1,"sentiment":"neutral","sentiment_score":0.01350067276507616},{"text":"Are you a smoker?","start":431.32,"end":432.54,"sentiment":"neutral","sentiment_score":-0.03167251590639353},{"text":"Have you been a smoker in the past?","start":435.26498,"end":437.125,"sentiment":"neutral","sentiment_score":-0.04789972072467208},{"text":"Perfect.","start":438.94498,"end":439.44498,"sentiment":"neutral","sentiment_score":-0.002499746158719063},{"text":"Do you have any significant health injuries or illnesses?","start":440.465,"end":443.685,"sentiment":"neutral","sentiment_score":-0.055678755044937134}],"sentiment":"neutral","sentiment_score":-0.02745280135422945,"num_words":32,"start":428.44,"end":443.685},{"sentences":[{"text":"Nope.","start":446.54498,"end":446.865,"sentiment":"neutral","sentiment_score":-0.10721372812986374},{"text":"I asked that the wrong way.","start":446.865,"end":448.245,"sentiment":"neutral","sentiment_score":-0.17664389312267303},{"text":"I should have said health issues.","start":448.38498,"end":450.3,"sentiment":"neutral","sentiment_score":-0.13807344436645508},{"text":"Don't don't mind me.","start":450.52,"end":452.28,"sentiment":"neutral","sentiment_score":-0.05567585490643978},{"text":"Friday.","start":452.28,"end":452.78,"sentiment":"neutral","sentiment_score":-0.027222417294979095}],"sentiment":"neutral","sentiment_score":-0.12474686611029837,"num_words":18,"start":446.54498,"end":452.78},{"sentences":[{"text":"Do you take any medication at all?","start":453.88,"end":455.74,"sentiment":"neutral","sentiment_score":-0.03901194781064987},{"text":"Do you have private health?","start":457.8,"end":459.18,"sentiment":"neutral","sentiment_score":-0.05004623532295227},{"text":"Nope.","start":461.32,"end":461.82,"sentiment":"neutral","sentiment_score":-0.07071372866630554},{"text":"And we have your height here at a hundred and eighty one centimeters and your weight at seventy five.","start":462.12,"end":467.605,"sentiment":"neutral","sentiment_score":-0.03238746484643534},{"text":"Would that still be accurate?","start":467.605,"end":468.98502,"sentiment":"neutral","sentiment_score":-0.028754209354519843}],"sentiment":"neutral","sentiment_score":-0.03657193023812126,"num_words":37,"start":453.88,"end":468.98502},{"sentences":[{"text":"Yep.","start":471.125,"end":471.625,"sentiment":"neutral","sentiment_score":0.006706497631967068},{"text":"And from an estate planning perspective, I have here recorded that you don't have a will or power of attorney.","start":472.005,"end":478.68002,"sentiment":"neutral","sentiment_score":-0.013290057517588138},{"text":"Is that right?","start":478.68002,"end":479.66,"sentiment":"neutral","sentiment_score":0.0079271225258708},{"text":"Or okay.","start":480.92,"end":482.22,"sentiment":"neutral","sentiment_score":0.04356107674539089},{"text":"Okay.","start":482.28,"end":482.76,"sentiment":"neutral","sentiment_score":0.1823900043964386}],"sentiment":"neutral","sentiment_score":0.0012666249164828547,"num_words":27,"start":471.125,"end":482.76},{"sentences":[{"text":"So beautiful.","start":482.76,"end":484.38,"sentiment":"positive","sentiment_score":0.41481100022792816},{"text":"Alright.","start":485.08002,"end":485.40002,"sentiment":"neutral","sentiment_score":0.21538683772087097},{"text":"I'm gonna jump up to what your goals and objectives were last time you had a review.","start":485.40002,"end":489.90002,"sentiment":"neutral","sentiment_score":0.16093648948213635},{"text":"One of them was that you would like to knock down the house and rebuild.","start":491.645,"end":495.16498,"sentiment":"neutral","sentiment_score":-0.07738351076841354},{"text":"Is that still something that you're working towards?","start":495.16498,"end":497.505,"sentiment":"neutral","sentiment_score":-0.017994679510593414}],"sentiment":"neutral","sentiment_score":0.0575864898084208,"num_words":43,"start":482.76,"end":497.505},{"sentences":[{"text":"Yep.","start":500.365,"end":500.865,"sentiment":"neutral","sentiment_score":-0.01121653150767088},{"text":"Okay.","start":505.805,"end":506.305,"sentiment":"neutral","sentiment_score":0.012819224037230017},{"text":"Have you got a time frame that you're looking at that?","start":506.53,"end":510.07,"sentiment":"neutral","sentiment_score":-0.001701192380013791},{"text":"No.","start":518.05,"end":518.55,"sentiment":"neutral","sentiment_score":-0.1395862102508545},{"text":"And you're not sure of what it's gonna cost you or anything like that?","start":519.89,"end":526.685,"sentiment":"neutral","sentiment_score":-0.11068883485027722}],"sentiment":"neutral","sentiment_score":-0.060940725778761716,"num_words":28,"start":500.365,"end":526.685},{"sentences":[{"text":"Yep.","start":527.605,"end":528.085,"sentiment":"neutral","sentiment_score":0.10424275696277618},{"text":"Absolutely fine.","start":528.085,"end":529.22504,"sentiment":"positive","sentiment_score":0.3354521691799164},{"text":"With retirement, we have here a retirement goal of it's a lifestyle and travel around Australia goal.","start":532.245,"end":539.63,"sentiment":"neutral","sentiment_score":0.27007729253348184},{"text":"You don't wanna you do want to improve your camping setup and purchase a camping trailer.","start":541.45,"end":546.73,"sentiment":"neutral","sentiment_score":-0.05101149342954159},{"text":"Apart that, you haven't really thought about retirement itself.","start":546.73,"end":550.255,"sentiment":"neutral","sentiment_score":-0.02283629671567016}],"sentiment":"neutral","sentiment_score":0.0965500111795134,"num_words":45,"start":527.605,"end":550.255},{"sentences":[{"text":"Still correct?","start":552.55505,"end":553.53503,"sentiment":"neutral","sentiment_score":0.027732286602258682},{"text":"Yep.","start":556.55505,"end":557.05505,"sentiment":"neutral","sentiment_score":0.0813731998205185},{"text":"So I'm gonna ask a couple of probing questions here.","start":557.11505,"end":560.395,"sentiment":"neutral","sentiment_score":0.03213613778352738},{"text":"They might sound weird, but it just helps us to see long term what it is that you're working towards.","start":560.395,"end":567.63,"sentiment":"neutral","sentiment_score":0.050519587378948926},{"text":"So given that you are 32 years of age, retirement is a little while off yet.","start":568.01,"end":573.87,"sentiment":"neutral","sentiment_score":-0.10557454032823443}],"sentiment":"neutral","sentiment_score":-0.004502076465560466,"num_words":49,"start":552.55505,"end":573.87},{"sentences":[{"text":"But based on today's dollars, if you were debt free, children were financially independent, you know, all those kind of types of things, how much would you and Renee need to live comfortably in retirement in today's dollars, bearing in mind that that's gonna, you know, inflate over time, but just in today's dollars?","start":574.49005,"end":595.56,"sentiment":"neutral","sentiment_score":-0.04271068096298863},{"text":"Yep.","start":615.875,"end":616.35504,"sentiment":"neutral","sentiment_score":0.18468481302261353},{"text":"Beautiful.","start":616.35504,"end":616.71,"sentiment":"positive","sentiment_score":0.5503424406051636},{"text":"I'm gonna put a thousand dollars per week.","start":616.79004,"end":618.89,"sentiment":"neutral","sentiment_score":0.29093425907194614},{"text":"And retirement age for yourself, ideally, what would you like to aim towards?","start":620.39,"end":626.65,"sentiment":"neutral","sentiment_score":0.09193609568935174}],"sentiment":"neutral","sentiment_score":0.025341477898227705,"num_words":77,"start":574.49005,"end":626.65},{"sentences":[{"text":"It is, isn't it?","start":630.995,"end":632.135,"sentiment":"neutral","sentiment_score":-0.039021363481879234},{"text":"If you were able to financially, would it be 60?","start":634.755,"end":638.535,"sentiment":"neutral","sentiment_score":0.004201103281229734},{"text":"Would it be 65?","start":638.755,"end":640.375,"sentiment":"neutral","sentiment_score":-0.005995610263198614},{"text":"If in a perfect world, what would what would be the age you'd like to retire?","start":642.83496,"end":649.97,"sentiment":"neutral","sentiment_score":0.00960154295898974},{"text":"70.","start":655.47,"end":655.97,"sentiment":"neutral","sentiment_score":0.08954697102308273}],"sentiment":"neutral","sentiment_score":0.0030032798913972717,"num_words":35,"start":630.995,"end":655.97},{"sentences":[{"text":"Very nice.","start":656.99,"end":657.70996,"sentiment":"positive","sentiment_score":0.6473828554153442},{"text":"You're gonna go the long haul.","start":657.70996,"end":659.25,"sentiment":"positive","sentiment_score":0.5148850133021673},{"text":"It's it's a transition.","start":663.525,"end":664.825,"sentiment":"neutral","sentiment_score":0.06497057434171438},{"text":"I can tell you that.","start":664.885,"end":665.92505,"sentiment":"neutral","sentiment_score":0.1185084968805313},{"text":"Working with advice and for a very long time and and people reaching retirement, it's a transition, not just financially, but mentally so that you've got things to do and mentally so that you've got things to do and plans when you do retire because a lot of people go stir crazy because we're so used to working.","start":665.92505,"end":683.75,"sentiment":"neutral","sentiment_score":0.09362437341619155}],"sentiment":"neutral","sentiment_score":0.1422228564073642,"num_words":75,"start":656.99,"end":683.75},{"sentences":[{"text":"So it is it is a bit of both, so I understand that.","start":684.29004,"end":688.925,"sentiment":"neutral","sentiment_score":0.043442236116299264},{"text":"With your superannuation, the goal you had that is you wanna look into options with other funds, which we did for you.","start":691.225,"end":699.005,"sentiment":"neutral","sentiment_score":0.31686821715398267},{"text":"You did mention that you'd like some ethical investments because your wife is studying to be a ecological scientist.","start":700.58496,"end":709.02,"sentiment":"neutral","sentiment_score":0.2432263046503067},{"text":"Is that still something that you're wanting, or are you more looking towards gross options to make sure that your portfolio not that they wouldn't the ethical options don't perform, but I guess I'm probably trying to understand that a bit better from you.","start":710.76,"end":726.275,"sentiment":"neutral","sentiment_score":0.07677903475070541},{"text":"Yep.","start":729.935,"end":730.435,"sentiment":"neutral","sentiment_score":0.1899094581604004}],"sentiment":"neutral","sentiment_score":0.15884178406511895,"num_words":99,"start":684.29004,"end":730.435},{"sentences":[{"text":"Yep.","start":731.215,"end":731.55,"sentiment":"neutral","sentiment_score":0.20320145785808563},{"text":"Yep.","start":736.58997,"end":736.99,"sentiment":"neutral","sentiment_score":0.13451506197452545},{"text":"Okay.","start":736.99,"end":737.49,"sentiment":"neutral","sentiment_score":0.12380386888980864},{"text":"With the ethical options, what part of your portfolio would you want made up of ethical options?","start":737.95,"end":745.635,"sentiment":"neutral","sentiment_score":0.12152627943193212},{"text":"Yeah.","start":750.435,"end":750.91504,"sentiment":"neutral","sentiment_score":0.111285999417305}],"sentiment":"neutral","sentiment_score":0.12565491135631288,"num_words":21,"start":731.215,"end":750.91504},{"sentences":[{"text":"Percentage wise would be a good start because then I can work backwards.","start":750.91504,"end":753.555,"sentiment":"neutral","sentiment_score":0.1405312751348202},{"text":"Yeah.","start":753.555,"end":754.055,"sentiment":"neutral","sentiment_score":0.1153341382741928},{"text":"Okay.","start":757.73004,"end":758.23004,"sentiment":"neutral","sentiment_score":0.1933042109012604},{"text":"Okay.","start":768.61005,"end":769.11005,"sentiment":"neutral","sentiment_score":0.13540995121002197},{"text":"Alright.","start":771.09,"end":771.49005,"sentiment":"neutral","sentiment_score":0.13978460431098938}],"sentiment":"neutral","sentiment_score":0.14180820479112513,"num_words":17,"start":750.91504,"end":771.49005},{"sentences":[{"text":"Leave that with me.","start":771.49005,"end":772.245,"sentiment":"neutral","sentiment_score":0.09608504176139832},{"text":"That's something I'm gonna look at because at the moment, you don't have a large exposure to that.","start":772.245,"end":779.205,"sentiment":"neutral","sentiment_score":0.0954267815169361},{"text":"So that's something I am gonna look at for you.","start":779.205,"end":782.985,"sentiment":"neutral","sentiment_score":0.20144359320402144},{"text":"And you insurance wise, your goal was you're quite happy with your insurances, and everything seems to cover you for what you need.","start":784.645,"end":793.18005,"sentiment":"positive","sentiment_score":0.36824990744176117},{"text":"We can go through what your levels of cover are shortly.","start":793.24005,"end":795.58,"sentiment":"neutral","sentiment_score":0.23178530416705392}],"sentiment":"neutral","sentiment_score":0.22933097550589027,"num_words":66,"start":771.49005,"end":795.58},{"sentences":[{"text":"So do you think that's still appropriate?","start":796.12,"end":799.885,"sentiment":"neutral","sentiment_score":0.182425462773868},{"text":"Yep.","start":801.065,"end":801.565,"sentiment":"neutral","sentiment_score":0.15359066426753998},{"text":"From a estate planning perspective, have you and Renee talked to anybody about getting those in place?","start":803.785,"end":811.63995,"sentiment":"neutral","sentiment_score":0.12744667337221258},{"text":"No.","start":814.57996,"end":814.98,"sentiment":"neutral","sentiment_score":-0.16422384977340698},{"text":"Okay.","start":814.98,"end":815.48,"sentiment":"neutral","sentiment_score":-0.041026342660188675}],"sentiment":"neutral","sentiment_score":0.1256263762436531,"num_words":27,"start":796.12,"end":815.48},{"sentences":[{"text":"What I can do is we work with a professional partner.","start":815.77997,"end":819.95996,"sentiment":"neutral","sentiment_score":0.07191562584855339},{"text":"I can send you through a brochure about those documents.","start":821.06,"end":823.87994,"sentiment":"neutral","sentiment_score":0.10194439366459847},{"text":"It gives you a bit of a price guide.","start":824.33997,"end":826.575,"sentiment":"neutral","sentiment_score":0.12484603996078174},{"text":"Being in the industry for a really, really long time, the prices they charge are really, really, really reasonable compared to what I've seen in my time.","start":826.575,"end":836.435,"sentiment":"neutral","sentiment_score":0.28653623825973934},{"text":"So given that you've got two young daughters, if something was to happen to you, it's not only just the estate side of things of where things go.","start":837.055,"end":846.39,"sentiment":"neutral","sentiment_score":0.09410614360656057}],"sentiment":"neutral","sentiment_score":0.1565362427602796,"num_words":85,"start":815.77997,"end":846.39},{"sentences":[{"text":"There's the guardianship to consider those types of things.","start":846.39,"end":850.89,"sentiment":"neutral","sentiment_score":0.03357267431500885},{"text":"So would you like me to send you through the the brochure?","start":851.43,"end":855.675,"sentiment":"neutral","sentiment_score":0.0792196939388911},{"text":"And once you and Renee have had a chance to look at it, if you want me to arrange an introduction, I can.","start":856.235,"end":861.375,"sentiment":"neutral","sentiment_score":0.09108233192692632},{"text":"And it can all be done virtually as well, like through emails, phone calls, those sorts of things.","start":862.955,"end":868.015,"sentiment":"neutral","sentiment_score":0.10357570337752502},{"text":"Absolutely.","start":870.875,"end":871.375,"sentiment":"positive","sentiment_score":0.3888173997402191}],"sentiment":"neutral","sentiment_score":0.08890260461836107,"num_words":63,"start":846.39,"end":871.375},{"sentences":[{"text":"Okay.","start":873.49005,"end":873.89,"sentiment":"neutral","sentiment_score":0.20878928899765015},{"text":"So with that surplus cash flow at the moment, a 150 per week into your offset account, are you happy to maintain that to keep reducing debt, or did you wanna look at investing it?","start":873.89,"end":884.23004,"sentiment":"neutral","sentiment_score":0.18027871463979994},{"text":"What's your perp I mean, I guess, is that what your plan is still to reduce debt?","start":884.29004,"end":890.97504,"sentiment":"neutral","sentiment_score":0.06035574032541584},{"text":"Yep.","start":892.315,"end":892.815,"sentiment":"neutral","sentiment_score":0.1667984426021576},{"text":"Fantastic.","start":894.875,"end":895.375,"sentiment":"positive","sentiment_score":0.7336722612380981}],"sentiment":"neutral","sentiment_score":0.1535465925593268,"num_words":55,"start":873.49005,"end":895.375},{"sentences":[{"text":"Beautiful.","start":895.835,"end":896.335,"sentiment":"positive","sentiment_score":0.671779990196228},{"text":"Alright.","start":897.03503,"end":897.53503,"sentiment":"neutral","sentiment_score":0.2125539630651474},{"text":"Do you have access to your emails at all?","start":897.835,"end":901.79,"sentiment":"neutral","sentiment_score":0.055691314240296684},{"text":"Yeah.","start":902.1,"end":902.58,"sentiment":"neutral","sentiment_score":0.0516289547085762},{"text":"So you would have received an email just recently from.","start":902.58,"end":906.2,"sentiment":"neutral","sentiment_score":0.05200599394738674}],"sentiment":"neutral","sentiment_score":0.08896566707302224,"num_words":22,"start":895.835,"end":906.2},{"sentences":[{"text":"That's come from me.","start":910.58,"end":912.12,"sentiment":"neutral","sentiment_score":0.07676993869245052},{"text":"It is your review pack.","start":913.175,"end":914.875,"sentiment":"neutral","sentiment_score":0.14029472917318345},{"text":"And when you open the email, there's an option in there that says a button, I believe, that says sign.","start":915.33496,"end":921.995,"sentiment":"neutral","sentiment_score":0.06279656905680894},{"text":"If you open that, it'll bring up your review pack.","start":922.375,"end":924.855,"sentiment":"neutral","sentiment_score":0.0642340611666441},{"text":"You're not signing anything right now.","start":924.855,"end":926.81006,"sentiment":"neutral","sentiment_score":-0.13256488367915154}],"sentiment":"neutral","sentiment_score":0.04692080203029844,"num_words":45,"start":910.58,"end":926.81006},{"sentences":[{"text":"We're just gonna talk through it.","start":926.81006,"end":928.75,"sentiment":"neutral","sentiment_score":0.05162126074234644},{"text":"And then at the end, if you're comfortable or if you've got any questions or you need some time, we'll get you to sign the documents required then.","start":929.37006,"end":935.79004,"sentiment":"neutral","sentiment_score":0.0720792966229575},{"text":"So the first document is just a overview summary of what you have.","start":938.25,"end":943.35504,"sentiment":"neutral","sentiment_score":0.10463780105167714},{"text":"So you've got your hub twenty four account at a 94000 1 And 60, and you've got your life and TPD insurance with ClearView funded through your superannuation fund.","start":943.35504,"end":957.45,"sentiment":"neutral","sentiment_score":0.055292975864019885},{"text":"So it costs $290 per annum rounded up.","start":957.45,"end":961.31,"sentiment":"neutral","sentiment_score":0.029214912559837103}],"sentiment":"neutral","sentiment_score":0.06577922481076148,"num_words":84,"start":926.81006,"end":961.31},{"sentences":[{"text":"The two things that I note, being self employed, you don't have income protection cover.","start":962.01,"end":969.385,"sentiment":"neutral","sentiment_score":-0.20976124852895736},{"text":"Is there a reason for that?","start":970.725,"end":973.065,"sentiment":"neutral","sentiment_score":-0.1506765608986219},{"text":"Okay.","start":980.085,"end":980.585,"sentiment":"neutral","sentiment_score":-0.1151636689901352},{"text":"Yep.","start":981.125,"end":981.625,"sentiment":"neutral","sentiment_score":-0.13390684127807617},{"text":"Okay.","start":983.525,"end":983.85,"sentiment":"neutral","sentiment_score":-0.12616117298603058}],"sentiment":"neutral","sentiment_score":-0.18440457402418056,"num_words":24,"start":962.01,"end":983.85},{"sentences":[{"text":"Alright.","start":989.76996,"end":990.26996,"sentiment":"neutral","sentiment_score":-0.02352004498243332},{"text":"So what I'll do is I'm going to explain it.","start":990.32996,"end":993.23,"sentiment":"neutral","sentiment_score":0.038784942217171194},{"text":"If at any point I lose you, let me know.","start":994.00995,"end":996.75,"sentiment":"neutral","sentiment_score":-0.12911800295114517},{"text":"It's pretty straightforward.","start":997.93,"end":999.375,"sentiment":"neutral","sentiment_score":0.10651364177465439},{"text":"Basically, what income protection to do is designed to do, if you think of it similar to a a work cover policy, I guess, for employees, but that's only covers them at work.","start":1000.23505,"end":1013.38995,"sentiment":"neutral","sentiment_score":0.011762564532656335}],"sentiment":"neutral","sentiment_score":-0.0038446508319394893,"num_words":57,"start":989.76996,"end":1013.38995},{"sentences":[{"text":"So an income protection policy will cover up to 70% of your taxable income.","start":1013.69,"end":1019.38995,"sentiment":"neutral","sentiment_score":0.015895831265619824},{"text":"So that would be the 70,000 that you pay yourself, and you're covered for injury or illness twenty four hours a day, seven days a week.","start":1019.76996,"end":1029.895,"sentiment":"neutral","sentiment_score":-0.11195410515826482},{"text":"Now being self employed, I think it's critical you have this cover because if you were unable to work due to injury or illness, you're gonna lose your income.","start":1029.895,"end":1040.0701,"sentiment":"neutral","sentiment_score":-0.29608702813756876},{"text":"So the next step from that down is is two things called a waiting period and a benefit period.","start":1042.61,"end":1049.99,"sentiment":"neutral","sentiment_score":-0.01679331436753273},{"text":"A waiting period, I like to explain as a car excess.","start":1050.4501,"end":1053.975,"sentiment":"neutral","sentiment_score":-0.024890219623392277}],"sentiment":"neutral","sentiment_score":-0.1198752959719812,"num_words":99,"start":1013.69,"end":1053.975},{"sentences":[{"text":"If you liken it to that, it's the number of days you have to be off work consecutively before you can claim.","start":1054.995,"end":1061.975,"sentiment":"neutral","sentiment_score":-0.0820790466598489},{"text":"So that the minimum being thirty days, and then from there on up, it goes sixty and ninety.","start":1062.4349,"end":1069.57,"sentiment":"neutral","sentiment_score":-0.05448363038400809},{"text":"So depending on and then, obviously, more after that, but they're not very popular.","start":1069.57,"end":1073.83,"sentiment":"neutral","sentiment_score":-0.1804432145186833},{"text":"So if you have sufficient savings or redraw in your home loan, you might be able to last a longer waiting period.","start":1075.65,"end":1084.485,"sentiment":"neutral","sentiment_score":-0.04943077808076685},{"text":"But because those those waiting periods do obviously impact the the premium of the policy.","start":1085.185,"end":1094.085,"sentiment":"neutral","sentiment_score":-0.21273838579654694}],"sentiment":"neutral","sentiment_score":-0.10539782726830178,"num_words":91,"start":1054.995,"end":1094.085},{"sentences":[{"text":"The next section is the benefit period.","start":1095.16,"end":1097.5,"sentiment":"neutral","sentiment_score":-0.008158433118036814},{"text":"This dictates how men how much time you can be paid on based on an injury or illness.","start":1098.52,"end":1105.98,"sentiment":"neutral","sentiment_score":-0.02456881892349985},{"text":"They start at two years, five years, and to age 65 being the average standard average standard retirement date.","start":1107.24,"end":1115.905,"sentiment":"neutral","sentiment_score":0.11695441799728494},{"text":"So I strongly, strongly recommend that we look at this cover for you.","start":1117.405,"end":1123.84,"sentiment":"positive","sentiment_score":0.5575224206997798},{"text":"And the and, additionally, there's two options for payment.","start":1126.14,"end":1129.98,"sentiment":"neutral","sentiment_score":0.24895192517174614}],"sentiment":"neutral","sentiment_score":0.169865832805182,"num_words":66,"start":1095.16,"end":1129.98},{"sentences":[{"text":"You can pay it through your super fund the same way that your life and TPD is funded, or you can pay it through your personal cash flow, and it can be claimed as a personal tax deduction.","start":1129.98,"end":1140.765,"sentiment":"neutral","sentiment_score":0.2547340616583824},{"text":"So it's really a preference as to, you know, do you get typically get a tax bill?","start":1141.385,"end":1147.0651,"sentiment":"neutral","sentiment_score":0.22302701280397527},{"text":"Do you want the tax deduction?","start":1147.0651,"end":1147.1736,"sentiment":"neutral","sentiment_score":0.10095913708209991},{"text":"Do you want it paid through super?","start":1147.1736,"end":1147.2135,"sentiment":"neutral","sentiment_score":0.06435736215540341},{"text":"Kind of guided by well enough?","start":1147.2135,"end":1162.965,"sentiment":"neutral","sentiment_score":0.06512473026911418}],"sentiment":"neutral","sentiment_score":0.20159943648488135,"num_words":74,"start":1129.98,"end":1162.965},{"sentences":[{"text":"Yeah.","start":1165.825,"end":1166.325,"sentiment":"neutral","sentiment_score":0.11645998060703278},{"text":"Okay.","start":1167.2649,"end":1167.7649,"sentiment":"neutral","sentiment_score":0.03177408128976822},{"text":"No.","start":1173.985,"end":1174.1449,"sentiment":"neutral","sentiment_score":-0.22351305186748505},{"text":"You're absolutely fine.","start":1174.1449,"end":1175.53,"sentiment":"neutral","sentiment_score":-0.11429672688245773},{"text":"Yes.","start":1183.6699,"end":1183.9099,"sentiment":"neutral","sentiment_score":0.0228900033980608}],"sentiment":"neutral","sentiment_score":-0.05646845245999949,"num_words":7,"start":1165.825,"end":1183.9099},{"sentences":[{"text":"I can.","start":1183.9099,"end":1184.57,"sentiment":"neutral","sentiment_score":0.03101334348320961},{"text":"Sorry?","start":1192.885,"end":1193.385,"sentiment":"neutral","sentiment_score":-0.016506046056747437},{"text":"Oh, you're fine.","start":1199.045,"end":1200.825,"sentiment":"neutral","sentiment_score":0.1950031816959381},{"text":"I'll try and not take up too much of your time.","start":1200.93,"end":1203.1101,"sentiment":"neutral","sentiment_score":-0.05610300735993819},{"text":"Yep.","start":1211.4901,"end":1211.81,"sentiment":"neutral","sentiment_score":0.2275538444519043}],"sentiment":"neutral","sentiment_score":0.013386163860559464,"num_words":18,"start":1183.9099,"end":1211.81},{"sentences":[{"text":"That's absolutely fine.","start":1211.81,"end":1213.245,"sentiment":"positive","sentiment_score":0.41548238197962445},{"text":"What I'm going to do is that's gonna be my homework to do to investigate further for you along with your ethical options within your your fund.","start":1213.805,"end":1223.105,"sentiment":"neutral","sentiment_score":0.18961779359314176},{"text":"The other piece of insurance or the other type of policy, I should say, that's available is called trauma insurance.","start":1225.405,"end":1232.41,"sentiment":"neutral","sentiment_score":0.11402676291763783},{"text":"It's a lump sum cover that pays you if you're diagnosed with a specific illness.","start":1232.87,"end":1238.97,"sentiment":"neutral","sentiment_score":0.10934378529588382},{"text":"They range from cancer, stroke, heart attack, neurological conditions, and that premium is paid from your personal cash flow.","start":1239.03,"end":1248.645,"sentiment":"neutral","sentiment_score":0.08437327413182509}],"sentiment":"neutral","sentiment_score":0.14154656927677847,"num_words":84,"start":1211.81,"end":1248.645},{"sentences":[{"text":"So it's kind of like a stop a stop gap between your income protection and your TPD where it it would it's a lump sum tax free just to get you through the recuperation period.","start":1248.9451,"end":1264.0801,"sentiment":"neutral","sentiment_score":0.146236382744142},{"text":"Typically, with a trauma claim, we see that clients aren't terminal.","start":1264.14,"end":1267.36,"sentiment":"neutral","sentiment_score":0.07626875252886252},{"text":"They're just they've had a a diagnosis, and it's more about recovering and the financial impact that has as opposed to the income protection side of things where you're probably likely to be off work for a longer term.","start":1267.755,"end":1284.39,"sentiment":"neutral","sentiment_score":-0.20085346011015084},{"text":"Beautiful.","start":1289.41,"end":1289.91,"sentiment":"neutral","sentiment_score":0.1043119952082634},{"text":"That's absolutely fine.","start":1290.0499,"end":1291.51,"sentiment":"neutral","sentiment_score":0.30523087580998737}],"sentiment":"neutral","sentiment_score":-0.009618546604440453,"num_words":89,"start":1248.9451,"end":1291.51},{"sentences":[{"text":"And the last thing with your insurance, your insurance, some insureds are just shy of 300,000 rounded up for life and TPD.","start":1292.13,"end":1300.025,"sentiment":"neutral","sentiment_score":-0.03020428442819552},{"text":"Is that still relevant to for Renee and Elizabeth and Penelope?","start":1301.365,"end":1309.225,"sentiment":"neutral","sentiment_score":0.0021981190551411023},{"text":"So, basically, looking at those figures, it's gonna pay your debt, and it's gonna leave about a $100 plus your super balance to Renee and the girls.","start":1309.365,"end":1322.59,"sentiment":"neutral","sentiment_score":0.024242483286394015},{"text":"Is that enough?","start":1323.21,"end":1325.295,"sentiment":"neutral","sentiment_score":0.06582795331875484},{"text":"Is that what you're hoping to achieve with that?","start":1325.4551,"end":1328.035,"sentiment":"neutral","sentiment_score":0.06636930857267645}],"sentiment":"neutral","sentiment_score":0.011236663028183911,"num_words":72,"start":1292.13,"end":1328.035},{"sentences":[{"text":"Is there any higher cover needed?","start":1329.2151,"end":1331.2151,"sentiment":"neutral","sentiment_score":-0.055929998556772866},{"text":"Would Renee need more funds to yep.","start":1331.2151,"end":1339.98,"sentiment":"neutral","sentiment_score":-0.18781992580209458},{"text":"Perfect.","start":1342.2999,"end":1342.7999,"sentiment":"positive","sentiment_score":0.4252307415008545},{"text":"Okay.","start":1345.58,"end":1345.98,"sentiment":"neutral","sentiment_score":0.1385466754436493},{"text":"Beautiful.","start":1345.98,"end":1346.48,"sentiment":"neutral","sentiment_score":0.3329545259475708}],"sentiment":"neutral","sentiment_score":-0.04709922056645155,"num_words":16,"start":1329.2151,"end":1346.48},{"sentences":[{"text":"Next document over in that pack is the performance for your super fund.","start":1346.86,"end":1353.405,"sentiment":"neutral","sentiment_score":0.06279535878163117},{"text":"Now there's you'll note the very top one is the Benelon Australian Equities Fund, had a very poor performance.","start":1353.785,"end":1360.765,"sentiment":"neutral","sentiment_score":-0.18622539388506035},{"text":"We don't typically rush to replace investments if just due to performance.","start":1363.305,"end":1369.1,"sentiment":"neutral","sentiment_score":-0.21387023602922758},{"text":"Unfortunately, Bennelong has been a longer term underperformer, and it's not that the Australian share market has underperformed itself.","start":1369.4,"end":1379.715,"sentiment":"negative","sentiment_score":-0.33411007100029994},{"text":"It's more that their investment mandate isn't rolling with the Australian share market at the moment.","start":1379.775,"end":1388.575,"sentiment":"neutral","sentiment_score":-0.2909783525392413}],"sentiment":"neutral","sentiment_score":-0.20622950179290167,"num_words":79,"start":1346.86,"end":1388.575},{"sentences":[{"text":"So they look at under they try to identify underperforming companies for potential growth, whereas the share market has kind of faded, you know, the the financials and the resources sector.","start":1388.575,"end":1401.26,"sentiment":"neutral","sentiment_score":-0.20017789953177975},{"text":"So so with your permission, what we're doing at the moment is looking to replace Benelon.","start":1401.26,"end":1409.095,"sentiment":"neutral","sentiment_score":0.04374005307909101},{"text":"But given that we're gonna look at the ethical options as well, I think that's suitable for you.","start":1411.075,"end":1416.455,"sentiment":"neutral","sentiment_score":0.15691953773299852},{"text":"Alright.","start":1417.865,"end":1418.115,"sentiment":"neutral","sentiment_score":0.318820595741272},{"text":"Fantastic.","start":1418.115,"end":1418.615,"sentiment":"positive","sentiment_score":0.6270749568939209}],"sentiment":"neutral","sentiment_score":-0.02589890752821716,"num_words":67,"start":1388.575,"end":1418.615},{"sentences":[{"text":"Alright.","start":1418.755,"end":1419.255,"sentiment":"neutral","sentiment_score":0.2681944966316223},{"text":"So the twelve month performance was pretty abysmal, 0.55%, and that's attributed to the Bennelong Australian Equities Fund.","start":1421.38,"end":1431.0801,"sentiment":"negative","sentiment_score":-0.4267855253484514},{"text":"The next document over is a six month performance report.","start":1431.38,"end":1434.9451,"sentiment":"neutral","sentiment_score":-0.04440759383141994},{"text":"So you can see that Bennelong's bouncing back a little bit over the last six months, and your return in the last six months has gone back up to 7.81%.","start":1434.9451,"end":1445.685,"sentiment":"neutral","sentiment_score":0.0793570173283418},{"text":"So it's it's recovering.","start":1446.305,"end":1448.73,"sentiment":"neutral","sentiment_score":-0.02333415299654007}],"sentiment":"neutral","sentiment_score":-0.08842296809667632,"num_words":63,"start":1418.755,"end":1448.73},{"sentences":[{"text":"Like, the Benelong Fund is recovering, but it's still something that we're not comfortable maintaining in our clients' portfolios.","start":1449.19,"end":1455.77,"sentiment":"neutral","sentiment_score":-0.29909298583669097},{"text":"The next document is the Vanguard index chart.","start":1459.27,"end":1462.005,"sentiment":"neutral","sentiment_score":0.07042129244655371},{"text":"It's a visual tool that we just share with our clients to explain how your funds are invested.","start":1462.005,"end":1469.145,"sentiment":"neutral","sentiment_score":0.13204386002487606},{"text":"So in a you're invested as a high growth investor.","start":1469.845,"end":1472.905,"sentiment":"neutral","sentiment_score":0.1379886619746685},{"text":"So what that means is 90% of your superannuation in the top four, your US shares, Australian shares, international shares, and property.","start":1473.365,"end":1482.88,"sentiment":"neutral","sentiment_score":0.11928801848129793}],"sentiment":"neutral","sentiment_score":0.016384624876081944,"num_words":77,"start":1449.19,"end":1482.88},{"sentences":[{"text":"So you can see the volatility that those sectors experience with your remaining 10% in the Australian bonds and cash, which provides a little bit of growth over the long term, but it's more an income producing defensive asset.","start":1483.26,"end":1498.4249,"sentiment":"neutral","sentiment_score":0.07940782320040923},{"text":"Are you happy to continue maintaining that approach to investment for your superannuation?","start":1501.205,"end":1506.505,"sentiment":"neutral","sentiment_score":0.20979518844531134},{"text":"Yeah.","start":1510.0,"end":1510.5,"sentiment":"neutral","sentiment_score":0.25450533628463745},{"text":"Yep.","start":1511.2,"end":1511.7,"sentiment":"neutral","sentiment_score":0.23940536379814148},{"text":"Okay.","start":1512.08,"end":1512.58,"sentiment":"positive","sentiment_score":0.3957490921020508}],"sentiment":"neutral","sentiment_score":0.12207095175981522,"num_words":55,"start":1483.26,"end":1512.58},{"sentences":[{"text":"Fantastic.","start":1513.0399,"end":1513.5399,"sentiment":"positive","sentiment_score":0.6006646156311035},{"text":"The next document I know about is your certificate of currency.","start":1514.72,"end":1517.78,"sentiment":"neutral","sentiment_score":0.20015314492312344},{"text":"So all that is is the actual ClearView document that confirms the levels of cover on the front page, so your life and TPD cover.","start":1518.0,"end":1525.6951,"sentiment":"neutral","sentiment_score":0.16754257649183274},{"text":"And the next document is our financial services guide.","start":1527.5951,"end":1531.1951,"sentiment":"neutral","sentiment_score":0.09466344076726171},{"text":"So what that is is it explains to you who we are, who our licensee is that we're licensed by, what advice we provide, how we provide it, fees, and complaints if there's a situation and that you need to make a complaint for the complaint process.","start":1531.1951,"end":1556.365,"sentiment":"neutral","sentiment_score":0.11827939209785868}],"sentiment":"neutral","sentiment_score":0.14410769911382787,"num_words":93,"start":1513.0399,"end":1556.365},{"sentences":[{"text":"And this document's always available on the website also.","start":1556.905,"end":1560.4451,"sentiment":"neutral","sentiment_score":0.12360833502478069},{"text":"The next document is the ongoing fee that we do charge from your superannuation fund.","start":1563.305,"end":1569.7101,"sentiment":"neutral","sentiment_score":0.08108171001076699},{"text":"So if you wish to main remain a client of Oakview, that fee is 155 the 1 hun $1,554 rounded up to make it nice and easy, which equates to about a $130 a month that's deducted from your hub twenty four account.","start":1569.7101,"end":1589.835,"sentiment":"neutral","sentiment_score":0.08634206765266352},{"text":"So if you do if you're happy and comfortable with that, that is one of the documents that we do need you to sign.","start":1590.375,"end":1596.555,"sentiment":"neutral","sentiment_score":0.10543945586929719},{"text":"And then the final document is your tax file number authority.","start":1598.76,"end":1603.82,"sentiment":"neutral","sentiment_score":0.10072865743528713}],"sentiment":"neutral","sentiment_score":0.0949016837951015,"num_words":102,"start":1556.905,"end":1603.82},{"sentences":[{"text":"So we do hold your tax file number on file because we set up your superannuation fund.","start":1604.0399,"end":1609.34,"sentiment":"neutral","sentiment_score":0.1208090330747997},{"text":"This is just a form for you to sign saying that you're happy and you acknowledge that we do hold that for you on your behalf.","start":1610.8049,"end":1617.945,"sentiment":"neutral","sentiment_score":0.1851797688465852},{"text":"So those last two documents need signatures.","start":1621.125,"end":1623.86,"sentiment":"neutral","sentiment_score":0.12756717311484472},{"text":"I've just downloaded a hell of a lot of information for you.","start":1624.32,"end":1627.7,"sentiment":"neutral","sentiment_score":0.1937252270678679},{"text":"Any questions?","start":1627.84,"end":1628.66,"sentiment":"neutral","sentiment_score":0.06005385331809521}],"sentiment":"neutral","sentiment_score":0.15947200305527076,"num_words":64,"start":1604.0399,"end":1628.66},{"sentences":[{"text":"Yep.","start":1635.04,"end":1635.54,"sentiment":"neutral","sentiment_score":0.127587229013443},{"text":"Fantastic.","start":1636.96,"end":1637.295,"sentiment":"positive","sentiment_score":0.75237637758255},{"text":"Fantastic.","start":1640.015,"end":1640.515,"sentiment":"positive","sentiment_score":0.7192157506942749},{"text":"Yeah.","start":1641.935,"end":1642.3351,"sentiment":"neutral","sentiment_score":0.28120338916778564},{"text":"Beautiful.","start":1642.3351,"end":1642.8351,"sentiment":"positive","sentiment_score":0.42475366592407227}],"sentiment":"positive","sentiment_score":0.46102728247642516,"num_words":5,"start":1635.04,"end":1642.8351},{"sentences":[{"text":"Income protection.","start":1651.2151,"end":1652.01,"sentiment":"neutral","sentiment_score":0.0067166597582399845},{"text":"Yep.","start":1652.5701,"end":1653.0701,"sentiment":"neutral","sentiment_score":0.01659873127937317},{"text":"Yep.","start":1654.89,"end":1655.39,"sentiment":"neutral","sentiment_score":0.01321381889283657},{"text":"Certainly am.","start":1655.6901,"end":1657.15,"sentiment":"neutral","sentiment_score":0.011660618241876364},{"text":"What what we'll do is Yeah.","start":1664.41,"end":1666.6749,"sentiment":"neutral","sentiment_score":0.0002348854516943296}],"sentiment":"neutral","sentiment_score":0.005664701573550701,"num_words":12,"start":1651.2151,"end":1666.6749},{"sentences":[{"text":"So if Clearview is appropriate, it's likely to be with Clearview.","start":1666.6749,"end":1670.595,"sentiment":"neutral","sentiment_score":0.0076439913192933254},{"text":"You'll have to go through the whole underwriting process again, which I'm gonna ask I'm gonna keep it short, but I'll ask you some questions to do that.","start":1670.595,"end":1677.8949,"sentiment":"neutral","sentiment_score":0.026179638358631303},{"text":"But if Clearview isn't the most appropriate in the market being, say, premium wise policy definitions, we can look at other companies.","start":1678.0901,"end":1689.2301,"sentiment":"neutral","sentiment_score":-0.03458132967352867},{"text":"But before I do that, I just wanted to run through a couple of quick Is that okay to have about five more minutes of your time?","start":1689.77,"end":1710.07,"sentiment":"neutral","sentiment_score":0.09789694035080848},{"text":"Alright.","start":1711.89,"end":1712.39,"sentiment":"neutral","sentiment_score":0.043128665536642075}],"sentiment":"neutral","sentiment_score":0.030816523379154418,"num_words":89,"start":1666.6749,"end":1712.39},{"sentences":[{"text":"What percentage of your daily routine or duties involve a manual component?","start":1715.09,"end":1720.1951,"sentiment":"neutral","sentiment_score":0.006218949410443504},{"text":"Just work.","start":1727.6951,"end":1728.675,"sentiment":"neutral","sentiment_score":-0.0029222900047898293},{"text":"Yep.","start":1730.8151,"end":1731.09,"sentiment":"neutral","sentiment_score":0.020796429365873337},{"text":"Yep.","start":1736.21,"end":1736.71,"sentiment":"neutral","sentiment_score":0.02376551553606987},{"text":"Yep.","start":1737.65,"end":1738.15,"sentiment":"neutral","sentiment_score":0.031048474833369255}],"sentiment":"neutral","sentiment_score":0.00849371956770911,"num_words":17,"start":1715.09,"end":1738.15},{"sentences":[{"text":"And that's detailing.","start":1738.77,"end":1739.9099,"sentiment":"neutral","sentiment_score":0.036872947588562965},{"text":"Yep.","start":1742.21,"end":1742.61,"sentiment":"neutral","sentiment_score":0.011031928472220898},{"text":"Do you work at heights or anything like that or work with any hazardous materials?","start":1742.61,"end":1746.9751,"sentiment":"neutral","sentiment_score":-0.043122458085417745},{"text":"Yep.","start":1753.675,"end":1754.175,"sentiment":"neutral","sentiment_score":0.009958148002624512},{"text":"Do you go do you go 12 meters at all?","start":1754.3151,"end":1758.64,"sentiment":"neutral","sentiment_score":-0.0110305892303586}],"sentiment":"neutral","sentiment_score":-0.020851128144810598,"num_words":30,"start":1738.77,"end":1758.64},{"sentences":[{"text":"No?","start":1760.14,"end":1760.62,"sentiment":"neutral","sentiment_score":-0.03249368444085121},{"text":"Okay.","start":1760.62,"end":1761.12,"sentiment":"neutral","sentiment_score":0.09441425651311874},{"text":"Fantastic.","start":1761.26,"end":1761.76,"sentiment":"positive","sentiment_score":0.4752930402755738},{"text":"With 80%, the remaining 20%, is that book work or office work?","start":1764.5399,"end":1769.58,"sentiment":"neutral","sentiment_score":0.10229287172357242},{"text":"What's that?","start":1769.58,"end":1770.135,"sentiment":"neutral","sentiment_score":0.04356852453202009}],"sentiment":"neutral","sentiment_score":0.10893324247616179,"num_words":17,"start":1760.14,"end":1770.135},{"sentences":[{"text":"Yep.","start":1778.935,"end":1779.435,"sentiment":"neutral","sentiment_score":0.07114772498607635},{"text":"Yep.","start":1780.135,"end":1780.635,"sentiment":"neutral","sentiment_score":0.12053824961185455},{"text":"Fantastic.","start":1787.13,"end":1787.63,"sentiment":"positive","sentiment_score":0.6780189275741577},{"text":"Yeah.","start":1791.37,"end":1791.87,"sentiment":"neutral","sentiment_score":0.02362234890460968},{"text":"Yeah.","start":1792.49,"end":1792.8099,"sentiment":"neutral","sentiment_score":0.014316745102405548}],"sentiment":"neutral","sentiment_score":0.18152879923582077,"num_words":5,"start":1778.935,"end":1792.8099},{"sentences":[{"text":"Of course.","start":1792.8099,"end":1793.2899,"sentiment":"neutral","sentiment_score":-0.004756585694849491},{"text":"No.","start":1793.2899,"end":1793.5299,"sentiment":"neutral","sentiment_score":-0.09473249316215517},{"text":"I understand.","start":1793.5299,"end":1794.11,"sentiment":"neutral","sentiment_score":-0.10282405093312263},{"text":"Do you intend on making any changes to your occupation in the next twelve months?","start":1795.3049,"end":1798.9249,"sentiment":"neutral","sentiment_score":-0.06471534396211306},{"text":"Okay.","start":1802.265,"end":1802.765,"sentiment":"neutral","sentiment_score":-0.005739928223192692}],"sentiment":"neutral","sentiment_score":-0.06125542162252324,"num_words":21,"start":1792.8099,"end":1802.765},{"sentences":[{"text":"What do you what are you thinking?","start":1802.825,"end":1804.445,"sentiment":"neutral","sentiment_score":-0.01989767381123134},{"text":"Yep.","start":1808.905,"end":1809.12,"sentiment":"neutral","sentiment_score":0.03973591327667236},{"text":"Yep.","start":1816.0,"end":1816.5,"sentiment":"neutral","sentiment_score":0.058629509061574936},{"text":"Mhmm.","start":1827.135,"end":1827.635,"sentiment":"neutral","sentiment_score":-0.06762257218360901},{"text":"Okay.","start":1837.9501,"end":1838.27,"sentiment":"neutral","sentiment_score":-0.01748313382267952}],"sentiment":"neutral","sentiment_score":-0.011456727304241875,"num_words":11,"start":1802.825,"end":1838.27},{"sentences":[{"text":"So will you still be working in the same, like, industry doing the same kind of duties?","start":1838.27,"end":1842.93,"sentiment":"neutral","sentiment_score":-0.023124693509410408},{"text":"Yeah.","start":1847.55,"end":1848.05,"sentiment":"neutral","sentiment_score":-0.0044983066618442535},{"text":"Okay.","start":1848.1901,"end":1848.495,"sentiment":"neutral","sentiment_score":-0.015352446585893633},{"text":"Yep.","start":1850.655,"end":1851.155,"sentiment":"neutral","sentiment_score":-0.05045913904905319},{"text":"Okay.","start":1855.215,"end":1855.695,"sentiment":"neutral","sentiment_score":-0.01977892406284809}],"sentiment":"neutral","sentiment_score":-0.023009933619981722,"num_words":21,"start":1838.27,"end":1855.695},{"sentences":[{"text":"In what respect?","start":1855.695,"end":1856.755,"sentiment":"neutral","sentiment_score":-0.016432921091715496},{"text":"Yep.","start":1862.175,"end":1862.49,"sentiment":"neutral","sentiment_score":0.018527738749980927},{"text":"Yeah.","start":1868.01,"end":1868.33,"sentiment":"neutral","sentiment_score":0.0043167248368263245},{"text":"Okay.","start":1868.33,"end":1868.83,"sentiment":"neutral","sentiment_score":0.004377068020403385},{"text":"Yep.","start":1872.33,"end":1872.83,"sentiment":"neutral","sentiment_score":0.00576742272824049}],"sentiment":"neutral","sentiment_score":-0.0023299727056707653,"num_words":7,"start":1855.695,"end":1872.83},{"sentences":[{"text":"Yep.","start":1873.37,"end":1873.87,"sentiment":"neutral","sentiment_score":-0.0022399574518203735},{"text":"Perfect.","start":1873.9299,"end":1874.4299,"sentiment":"neutral","sentiment_score":0.0018594972789287567},{"text":"Yeah.","start":1875.145,"end":1875.385,"sentiment":"neutral","sentiment_score":-0.07417295128107071},{"text":"So it's yeah.","start":1875.385,"end":1877.0651,"sentiment":"neutral","sentiment_score":0.0019266481200853984},{"text":"So you're not really changing your occupation.","start":1877.0651,"end":1878.745,"sentiment":"neutral","sentiment_score":-0.14705783767359598}],"sentiment":"neutral","sentiment_score":-0.08447525621606754,"num_words":13,"start":1873.37,"end":1878.745},{"sentences":[{"text":"It's just that your your off your field work would increase I mean, re decrease and your office work would increase, so that's fine.","start":1878.745,"end":1888.8,"sentiment":"neutral","sentiment_score":-0.16620490700006485},{"text":"I understand that.","start":1889.26,"end":1890.38,"sentiment":"neutral","sentiment_score":0.28586405515670776},{"text":"Thank you.","start":1890.38,"end":1891.2001,"sentiment":"positive","sentiment_score":0.6161209344863892},{"text":"Do you have a second occupation at all?","start":1891.8201,"end":1894.88,"sentiment":"neutral","sentiment_score":-0.036590202478691936},{"text":"No.","start":1896.54,"end":1897.04,"sentiment":"neutral","sentiment_score":-0.1387230008840561}],"sentiment":"neutral","sentiment_score":-0.06132969353348017,"num_words":38,"start":1878.745,"end":1897.04},{"sentences":[{"text":"Do you intend to travel or live overseas any time, say, within the next twelve to eight months for a holiday or work?","start":1897.18,"end":1904.735,"sentiment":"neutral","sentiment_score":-0.10850041796979697},{"text":"No.","start":1907.595,"end":1908.095,"sentiment":"neutral","sentiment_score":-0.10962379723787308},{"text":"Do you participate in any sports or pastimes or hobbies?","start":1908.395,"end":1911.855,"sentiment":"neutral","sentiment_score":-0.09307253733277321},{"text":"Yep.","start":1921.8501,"end":1922.0901,"sentiment":"neutral","sentiment_score":-0.02457750588655472},{"text":"No.","start":1922.0901,"end":1922.3301,"sentiment":"neutral","sentiment_score":-0.1751517653465271}],"sentiment":"neutral","sentiment_score":-0.10376633486400048,"num_words":36,"start":1897.18,"end":1922.3301},{"sentences":[{"text":"That's okay.","start":1922.3301,"end":1923.0701,"sentiment":"neutral","sentiment_score":-0.1415092907845974},{"text":"What what they're looking for there is more like if you play football or you skydive or go rock climbing, like those kind of ones that you get hurt more often.","start":1923.53,"end":1934.225,"sentiment":"neutral","sentiment_score":-0.1323858599268621},{"text":"Perfect.","start":1937.9651,"end":1938.4651,"sentiment":"neutral","sentiment_score":0.10347771644592284},{"text":"Have you sorry.","start":1939.11,"end":1940.15,"sentiment":"neutral","sentiment_score":-0.058442674577236176},{"text":"But I have to ask.","start":1940.15,"end":1940.87,"sentiment":"neutral","sentiment_score":-0.07185144647955895}],"sentiment":"neutral","sentiment_score":-0.11471637569013096,"num_words":42,"start":1922.3301,"end":1940.87},{"sentences":[{"text":"Have you ever taken any illicit drugs?","start":1940.87,"end":1942.81,"sentiment":"neutral","sentiment_score":-0.15565999810184752},{"text":"No?","start":1945.03,"end":1945.53,"sentiment":"neutral","sentiment_score":-0.1041826531291008},{"text":"Okay.","start":1945.59,"end":1945.91,"sentiment":"neutral","sentiment_score":-0.07107940316200256},{"text":"Do you drink alcohol?","start":1945.91,"end":1947.05,"sentiment":"neutral","sentiment_score":-0.1288286317139864},{"text":"Yep.","start":1950.23,"end":1950.55,"sentiment":"neutral","sentiment_score":-0.01580166444182396}],"sentiment":"neutral","sentiment_score":-0.12828558816441468,"num_words":14,"start":1940.87,"end":1950.55},{"sentences":[{"text":"Okay.","start":1950.55,"end":1951.005,"sentiment":"neutral","sentiment_score":-0.010811161249876022},{"text":"So on average, how much do you think you drink per 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declined?","start":1990.99,"end":1993.25,"sentiment":"neutral","sentiment_score":-0.22943470627069473},{"text":"Nope.","start":1995.39,"end":1995.89,"sentiment":"neutral","sentiment_score":-0.2836868464946747}],"sentiment":"neutral","sentiment_score":-0.1996156716098388,"num_words":36,"start":1976.18,"end":1995.89},{"sentences":[{"text":"I'm just gonna briefly run through some health conditions that and just a simple yes or no whether you've sought advice or treatment from a health professional.","start":1996.6699,"end":2009.145,"sentiment":"neutral","sentiment_score":-0.21990340561778457},{"text":"So any type of stress, anxiety, depression, mental health, any skin cancers, moles, cysts, lesions?","start":2010.645,"end":2020.5499,"sentiment":"neutral","sentiment_score":-0.1690948357184728},{"text":"Any back pain, neck pain?","start":2022.9299,"end":2024.79,"sentiment":"neutral","sentiment_score":-0.11498122960329056},{"text":"Any broken bones, muscles, ligaments, tendon tears?","start":2027.57,"end":2031.19,"sentiment":"neutral","sentiment_score":-0.15552816007818496},{"text":"Any blood borne diseases, any heart or blood condition, any cancer, any asthma or respiratory conditions, any issues with the eyes or ears outside of wearing glasses or contact lenses, any high blood pressure or cholesterol, Any diabetes or thyroid conditions?","start":2034.045,"end":2067.7551,"sentiment":"neutral","sentiment_score":-0.08797947762579453}],"sentiment":"neutral","sentiment_score":-0.14467975093345892,"num_words":95,"start":1996.6699,"end":2067.7551},{"sentences":[{"text":"Any skin conditions like eczema or dermatitis?","start":2070.375,"end":2073.115,"sentiment":"neutral","sentiment_score":-0.07773492272411074},{"text":"Any other condition or surgery that you can think of?","start":2075.975,"end":2079.34,"sentiment":"neutral","sentiment_score":-0.034848849102854726},{"text":"No.","start":2081.1602,"end":2081.6401,"sentiment":"neutral","sentiment_score":-0.08217817544937134},{"text":"Fantastic.","start":2081.6401,"end":2082.1401,"sentiment":"positive","sentiment_score":0.3394542634487152},{"text":"Alright.","start":2082.76,"end":2083.26,"sentiment":"neutral","sentiment_score":0.16204501688480377}],"sentiment":"neutral","sentiment_score":-0.02366559226065874,"num_words":20,"start":2070.375,"end":2083.26},{"sentences":[{"text":"Do you intend on seeing a doctor for anything, any test investigation or surgery at the at the moment?","start":2083.6401,"end":2093.215,"sentiment":"neutral","sentiment_score":0.025269776582717896},{"text":"Beautiful.","start":2094.395,"end":2094.895,"sentiment":"neutral","sentiment_score":0.2313574254512787},{"text":"Alright.","start":2095.595,"end":2096.095,"sentiment":"neutral","sentiment_score":0.0840548500418663},{"text":"Last question.","start":2096.5552,"end":2097.5352,"sentiment":"neutral","sentiment_score":0.01149957999587059},{"text":"Sorry.","start":2097.835,"end":2098.235,"sentiment":"neutral","sentiment_score":-0.06932589411735535}],"sentiment":"neutral","sentiment_score":0.031217137351632118,"num_words":24,"start":2083.6401,"end":2098.235},{"sentences":[{"text":"And I'll get through them quickly.","start":2098.235,"end":2099.615,"sentiment":"neutral","sentiment_score":-0.01923945763458808},{"text":"These are in relation to immediate family members, so your mom, dad, or siblings, and just if they've ever been diagnosed with any of the following or suffered from them.","start":2100.235,"end":2110.18,"sentiment":"neutral","sentiment_score":-0.011004238110035657},{"text":"Heart disease, heart attack, or stroke, multiple cirrhosis, Parkinson's, or Alzheimer's, muscular dystrophy, Huntington's, or any motor neuron disease.","start":2110.56,"end":2124.735,"sentiment":"neutral","sentiment_score":-0.040472504241686115},{"text":"Any bowel cancer or melanoma.","start":2127.0352,"end":2128.975,"sentiment":"neutral","sentiment_score":-0.07637911066412925},{"text":"Any polycystic kidney disease.","start":2132.5552,"end":2134.895,"sentiment":"neutral","sentiment_score":-0.03852456621825695}],"sentiment":"neutral","sentiment_score":-0.02735211387334857,"num_words":64,"start":2098.235,"end":2134.895},{"sentences":[{"text":"Breast or ovarian cancer, mental health condition, cardiomyopathy or diabetes or anything else that you can think of?","start":2138.17,"end":2153.675,"sentiment":"neutral","sentiment_score":-0.03784261809455024},{"text":"Fantastic.","start":2155.735,"end":2156.235,"sentiment":"neutral","sentiment_score":0.2985838055610657},{"text":"Alright.","start":2156.455,"end":2156.7751,"sentiment":"neutral","sentiment_score":0.181784987449646},{"text":"I think I've taken enough of your time in relation to answering all those probing questions.","start":2156.7751,"end":2160.875,"sentiment":"neutral","sentiment_score":0.1635475466027856},{"text":"Do you have any other questions from me?","start":2163.24,"end":2165.98,"sentiment":"neutral","sentiment_score":0.047139608301222324}],"sentiment":"neutral","sentiment_score":0.0634790745309808,"num_words":44,"start":2138.17,"end":2165.98},{"sentences":[{"text":"Yep.","start":2171.24,"end":2171.74,"sentiment":"neutral","sentiment_score":0.06943441927433014},{"text":"Okay.","start":2172.2,"end":2172.6,"sentiment":"neutral","sentiment_score":0.08761454373598099},{"text":"So what I'm gonna do is I'm gonna go away and look at those ethical options for you, have a look at the income protection.","start":2172.6,"end":2178.915,"sentiment":"neutral","sentiment_score":0.07389830708503724},{"text":"What I would say is in about two weeks' time, we would have we would have to book in a time to present any changes.","start":2180.815,"end":2190.515,"sentiment":"neutral","sentiment_score":0.06948422983288766},{"text":"So the investment options and the, options and the income protection.","start":2190.655,"end":2197.6199,"sentiment":"neutral","sentiment_score":0.0921576815572652}],"sentiment":"neutral","sentiment_score":0.07548169655695794,"num_words":63,"start":2171.24,"end":2197.6199},{"sentences":[{"text":"I can book that in now, or would you like me to just reach out and book that in when it's ready.","start":2198.4,"end":2211.585,"sentiment":"neutral","sentiment_score":0.10036512193354694},{"text":"Okay.","start":2211.585,"end":2212.085,"sentiment":"neutral","sentiment_score":0.10330550372600555},{"text":"Beautiful.","start":2212.1448,"end":2212.6448,"sentiment":"neutral","sentiment_score":0.2450716495513916},{"text":"Alright.","start":2214.785,"end":2215.1848,"sentiment":"neutral","sentiment_score":0.1159140095114708},{"text":"Is there any day of the week that's best for you?","start":2215.1848,"end":2217.345,"sentiment":"neutral","sentiment_score":0.07898508046161044}],"sentiment":"neutral","sentiment_score":0.09836554806679487,"num_words":36,"start":2198.4,"end":2217.345},{"sentences":[{"text":"Is it a Friday?","start":2217.345,"end":2218.2449,"sentiment":"neutral","sentiment_score":0.026013977825641632},{"text":"Yeah.","start":2225.76,"end":2226.26,"sentiment":"neutral","sentiment_score":0.03097851201891899},{"text":"I mean, I can do any any any day.","start":2227.04,"end":2231.62,"sentiment":"neutral","sentiment_score":0.1275003742840555},{"text":"I just whatever's best for you.","start":2231.905,"end":2234.0852,"sentiment":"neutral","sentiment_score":0.23985809832811356},{"text":"No.","start":2235.7402,"end":2236.2402,"sentiment":"neutral","sentiment_score":-0.0281321220099926}],"sentiment":"neutral","sentiment_score":0.12826448856365114,"num_words":21,"start":2217.345,"end":2236.2402},{"sentences":[{"text":"I yeah.","start":2237.895,"end":2242.485,"sentiment":"neutral","sentiment_score":-0.05537381023168564},{"text":"Okay.","start":2247.8,"end":2248.3,"sentiment":"neutral","sentiment_score":0.02612433396279812},{"text":"What about Friday, the twenty fifth?","start":2248.44,"end":2250.78,"sentiment":"neutral","sentiment_score":0.016581876513858635},{"text":"Would you like around the same time, 09:00?","start":2252.3599,"end":2254.78,"sentiment":"neutral","sentiment_score":0.016368533135391772},{"text":"Alright.","start":2263.7751,"end":2264.175,"sentiment":"positive","sentiment_score":0.3837549090385437}],"sentiment":"neutral","sentiment_score":0.029420619261347584,"num_words":18,"start":2237.895,"end":2264.175},{"sentences":[{"text":"Fantastic.","start":2264.175,"end":2264.675,"sentiment":"positive","sentiment_score":0.7032612562179565},{"text":"I will send you through a calendar invite so that goes into your calendar, and we will speak then and get these things sorted for you.","start":2265.2952,"end":2274.915,"sentiment":"positive","sentiment_score":0.42225919778530413},{"text":"Thank you for your time, and I look forward to speaking to you then.","start":2277.455,"end":2280.5498,"sentiment":"positive","sentiment_score":0.7860346010753086},{"text":"Enjoy your weekend.","start":2280.5498,"end":2281.45,"sentiment":"positive","sentiment_score":0.6659333904584249},{"text":"Okay.","start":2283.5898,"end":2284.0898,"sentiment":"neutral","sentiment_score":0.24957436323165896}],"sentiment":"positive","sentiment_score":0.5540857632954915,"num_words":45,"start":2264.175,"end":2284.0898},{"sentences":[{"text":"Bye.","start":2284.23,"end":2284.73,"sentiment":"neutral","sentiment_score":0.16423501074314115}],"sentiment":"neutral","sentiment_score":0.16423501074314115,"num_words":1,"start":2284.23,"end":2284.73}]}}]},{"alternatives":[{"transcript":"Hello. Dan speaking. Yeah. I'm very well. How are you? Not a worry. Yep. This is James Edward Medland, the 07/12/1994, and address is 3 Balen Street, Plaques Creek, Queensland 4127. Yeah. Well, thank you. How about yourself? Absolutely. I do. Yeah. Yep. Yep. I hope so. I certainly hope so. Yeah. Yeah. Definitely am. Absolutely. Correct. Elizabeth and Penelope. 10 and eight. Yes. We like it. But they they fight a lot. Yeah. I think that might be worse than two girls. Yes, ma'am. Yes, it would. Correct. Self employed. Forty is probably the the round figure. That'll be fourteen months, I think, it's what we've been. Yes. That's correct. Yes. Correct. Is that a weekly? Probably somewhere look. If we just move it up to 500, it's probably more of an accurate figure nowadays. Yes. Yes is probably the correct answer there. It's just put directly towards the the mortgage, I guess, as in in into the mortgage account rather than being held in a savings account. Yeah. Yeah. Offsets. Yeah. That is $150 a week. Yes. Yes. Correct. No. Just the twelfth. Yeah. No. I think it has racing. And the last time I looked, it was near the $800,000 mark. No. That will have reduced, but give me two seconds. I can give you that number. So 184. No. That has changed. So I've I've got a new vehicle, but it's registered under the business. So that's essentially is that a business vehicle, or should I have that noted down as personal? Yeah. Okay. It's 60 70,000. Put that with the bits and pieces on Yes. Yeah. Correct. That's only a recent recent purchase, so it would be, yeah, close to the $70,000 mark. Actually, it's probably around 68,000 at the moment. BYD Shark. Yes. Yeah. So far, so good. No complaints yet. No. Not at this point. No. No. Negative. No. No. I do not. Yeah. Correct. Mhmm. It is, but we're looking to raise and renovate now rather than knock down and rebuild. Not specifically. No. At this point, no. We're just running through ideas more so than anything. Yes. Yep. Yep. We don't really want for too much. So yeah. I live comfortably. Yeah. Probably looking at 500 to $1,000 a week being debt free. Yep. Oh, very difficult to say. Yeah. Let's put that. Let's call it 70. Yeah. I'm I'm more in a bit of fitting still. Yeah. Yep. Yeah. Absolutely. Yeah. So I still want a back ethical option. And, yeah, I'm looking always towards that greener future kind of thing. As in percentage wise? Yeah. Probably a majority of it, I'd say I want a minimum of 80% of it to be through ethical options. Ideally, a 100% is always good. Yeah. Okay. Yes. No. Not yet. Okay. Yeah. Okay. Yeah. Okay. Yeah. If you could, that would be great. Yes, please. Yes. Just looking to to get that home loan right then. I do. Yes. Yep. Yep. No worries. Yep. It's not something that's been on my radar before, I guess, is probably what why it's not there. Yeah. And I'm not I I don't fully understand how it works as well. Yep. Mhmm. Yeah. Yeah. Yes. Yeah. Yeah. You certainly did. Sorry. Just one second. Can you still hear me? Okay. Cool. Yeah. Sorry. I've just put you over to to some hedge funds so I can keep working. No. No. That's all good. So if I was to do it, I'd do it through the superannuation, I think. Yep. Okay. Right. Yeah. Yeah. Okay. I'm not interested in that one. Yep. I don't believe so. What is that what's that what it is at currently, I believe, is still good for that situation. Yeah. Yeah. I got it. Yep. Yep. Yes. Perfect. Packing for that. Yeah. Okay. Yep. Understood. Yep. Yep. Yeah. Okay. Understood. Yes. I can believe I am. Yep. Perfect. Yep. Yep. Yeah. Perfect. Yep. No. Everything is fairly straightforward. A lot of it, I already understood from previous conversations I've had. So, yep, that's been good. I've just finished the signing and it's just loading on my end. So I'll just clarify with you that from this point, you're going to look into those ethical funds and and and income protection. Yeah. And so the income protection, is that gonna go is that likely to be set with ClearView and through that channel, or is it a different avenue that that runs? Yep. Yeah. Lovely. Yeah. Yeah. Yep. Thanks, Paul. In terms of work and personal? Just work? I'd say 80% is manual for work. Yeah. Correct. Yeah. Working alright. So yeah. We need to use ladders. Sorry, Curtis. No. So that's that's probably the quoting and driving portion of of what we do. So where we're going to this client to see the vehicle to be detailed so we can provide a quote, which is definitely not labor intensive at all. We're just simply looking. Possibly, yes. And that is we've got the potential to because we are a franchise, we've been given the opportunity to buy out the franchisor. So that's potentially going to change what it is that we do on a day to day basis. But there's it's in the very early stages. So if anything changes at all, it's still quite an unknown to me, but there's definitely potential that it will change. Likely, yes. It's definitely gonna be in the same industry, but doing the same duties is where the uncertainty is. So if we take over being the franchisable, we'll be doing, like, advertising. It'd be more office work and running the franchises rather than being the laborer doing the actual franchise work. But, yeah, again, really unsure about what that is. Yeah. No worries. No. Not at this point. No. Other than gym activity, I guess. But no. Not not for me. Right. No. No. I'm not doing any of that. I have not. Very, very little. None. One one maybe every three months, six months. Not that I'm aware of. No. No. No. Nope. No. No. No. No. No. Nope. No. No. Nope. Okay. No. No. No. No. No. No. No. No. No. No. Yep. So let's book it in now. I'll I mean, if you know what, just talk while I'm working. No problem. Yeah. We we can work on a Friday. That's no problem. Yeah. That's that's gonna ask you. Not not really our calendar does fluctuate quite a bit depending on the the week and the day we're doing quotes and all that. So, yeah, there's no full structure to it. So if we just call it a Friday, that's fine. Twenty fifth at nine. Actually, I do know where I'll be then. That's fine. Yes. That'll work fine. Yep. Yep. Awesome. Thank you very much. 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Dan speaking. Yeah. I'm very well. How are you?\n\nNot a worry. Yep. This is James Edward Medland, the 07/12/1994, and address is 3 Balen Street, Plaques Creek, Queensland 4127. Yeah. Well, thank you.\n\nHow about yourself? Absolutely. I do. Yeah. Yep.\n\nYep. I hope so. I certainly hope so. Yeah. Yeah.\n\nDefinitely am. Absolutely. Correct. Elizabeth and Penelope. 10 and eight.\n\nYes. We like it. But they they fight a lot. Yeah. I think that might be worse than two girls.\n\nYes, ma'am. Yes, it would. Correct. Self employed. Forty is probably the the round figure.\n\nThat'll be fourteen months, I think, it's what we've been. Yes. That's correct. Yes. Correct.\n\nIs that a weekly? Probably somewhere look. If we just move it up to 500, it's probably more of an accurate figure nowadays. Yes. Yes is probably the correct answer there.\n\nIt's just put directly towards the the mortgage, I guess, as in in into the mortgage account rather than being held in a savings account. Yeah. Yeah. Offsets. Yeah.\n\nThat is $150 a week. Yes. Yes. Correct. No.\n\nJust the twelfth. Yeah. No. I think it has racing. And the last time I looked, it was near the $800,000 mark.\n\nNo. That will have reduced, but give me two seconds. I can give you that number. So 184. No.\n\nThat has changed. So I've I've got a new vehicle, but it's registered under the business. So that's essentially is that a business vehicle, or should I have that noted down as personal? Yeah. Okay.\n\nIt's 60 70,000. Put that with the bits and pieces on Yes. Yeah. Correct. That's only a recent recent purchase, so it would be, yeah, close to the $70,000 mark.\n\nActually, it's probably around 68,000 at the moment. BYD Shark. Yes. Yeah. So far, so good.\n\nNo complaints yet. No. Not at this point. No. No.\n\nNegative. No. No. I do not. Yeah.\n\nCorrect. Mhmm. It is, but we're looking to raise and renovate now rather than knock down and rebuild. Not specifically. No.\n\nAt this point, no. We're just running through ideas more so than anything. Yes. Yep. Yep.\n\nWe don't really want for too much. So yeah. I live comfortably. Yeah. Probably looking at 500 to $1,000 a week being debt free.\n\nYep. Oh, very difficult to say. Yeah. Let's put that. Let's call it 70.\n\nYeah. I'm I'm more in a bit of fitting still. Yeah. Yep. Yeah.\n\nAbsolutely. Yeah. So I still want a back ethical option. And, yeah, I'm looking always towards that greener future kind of thing. As in percentage wise?\n\nYeah. Probably a majority of it, I'd say I want a minimum of 80% of it to be through ethical options. Ideally, a 100% is always good. Yeah. Okay.\n\nYes. No. Not yet. Okay. Yeah.\n\nOkay. Yeah. Okay. Yeah. If you could, that would be great.\n\nYes, please. Yes. Just looking to to get that home loan right then. I do. Yes.\n\nYep. Yep. No worries. Yep. It's not something that's been on my radar before, I guess, is probably what why it's not there.\n\nYeah. And I'm not I I don't fully understand how it works as well. Yep. Mhmm. Yeah.\n\nYeah. Yes. Yeah. Yeah. You certainly did.\n\nSorry. Just one second. Can you still hear me? Okay. Cool.\n\nYeah. Sorry. I've just put you over to to some hedge funds so I can keep working. No. No.\n\nThat's all good. So if I was to do it, I'd do it through the superannuation, I think. Yep. Okay. Right.\n\nYeah. Yeah. Okay. I'm not interested in that one. Yep.\n\nI don't believe so. What is that what's that what it is at currently, I believe, is still good for that situation. Yeah. Yeah. I got it.\n\nYep. Yep. Yes. Perfect. Packing for that.\n\nYeah. Okay. Yep. Understood. Yep.\n\nYep. Yeah. Okay. Understood. Yes.\n\nI can believe I am. Yep. Perfect. Yep. Yep.\n\nYeah. Perfect. Yep. No. Everything is fairly straightforward.\n\nA lot of it, I already understood from previous conversations I've had. So, yep, that's been good. I've just finished the signing and it's just loading on my end. So I'll just clarify with you that from this point, you're going to look into those ethical funds and and and income protection. Yeah.\n\nAnd so the income protection, is that gonna go is that likely to be set with ClearView and through that channel, or is it a different avenue that that runs? Yep. Yeah. Lovely. Yeah.\n\nYeah. Yep. Thanks, Paul. In terms of work and personal? Just work?\n\nI'd say 80% is manual for work. Yeah. Correct. Yeah. Working alright.\n\nSo yeah. We need to use ladders. Sorry, Curtis. No. So that's that's probably the quoting and driving portion of of what we do.\n\nSo where we're going to this client to see the vehicle to be detailed so we can provide a quote, which is definitely not labor intensive at all. We're just simply looking. Possibly, yes. And that is we've got the potential to because we are a franchise, we've been given the opportunity to buy out the franchisor. So that's potentially going to change what it is that we do on a day to day basis.\n\nBut there's it's in the very early stages. So if anything changes at all, it's still quite an unknown to me, but there's definitely potential that it will change. Likely, yes. It's definitely gonna be in the same industry, but doing the same duties is where the uncertainty is. So if we take over being the franchisable, we'll be doing, like, advertising.\n\nIt'd be more office work and running the franchises rather than being the laborer doing the actual franchise work. But, yeah, again, really unsure about what that is. Yeah. No worries. No.\n\nNot at this point. No. Other than gym activity, I guess. But no. Not not for me.\n\nRight. No. No. I'm not doing any of that. I have not.\n\nVery, very little. None. One one maybe every three months, six months. Not that I'm aware of. No.\n\nNo. No. Nope. No. No.\n\nNo. No. No. Nope. No.\n\nNo. Nope. Okay. No. No.\n\nNo. No. No. No. No.\n\nNo. No. No. Yep. So let's book it in now.\n\nI'll I mean, if you know what, just talk while I'm working. No problem. Yeah. We we can work on a Friday. That's no problem.\n\nYeah. That's that's gonna ask you. Not not really our calendar does fluctuate quite a bit depending on the the week and the day we're doing quotes and all that. So, yeah, there's no full structure to it. So if we just call it a Friday, that's fine.\n\nTwenty fifth at nine. Actually, I do know where I'll be then. That's fine. Yes. That'll work fine.\n\nYep. Yep. Awesome. Thank you very much. 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me?","start":1182.0449,"end":1183.1849,"sentiment":"neutral","sentiment_score":-0.06735564023256302},{"text":"Okay.","start":1185.1649,"end":1185.565,"sentiment":"neutral","sentiment_score":0.09442287683486938},{"text":"Cool.","start":1185.565,"end":1186.065,"sentiment":"neutral","sentiment_score":0.09564536809921265}],"sentiment":"neutral","sentiment_score":-0.043912227180871094,"num_words":11,"start":1171.7999,"end":1186.065},{"sentences":[{"text":"Yeah.","start":1193.2001,"end":1193.4401,"sentiment":"neutral","sentiment_score":0.003451801836490631},{"text":"Sorry.","start":1193.4401,"end":1193.68,"sentiment":"neutral","sentiment_score":-0.08563019335269928},{"text":"I've just put you over to to some hedge funds so I can keep 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can believe I 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is fairly straightforward.","start":1630.725,"end":1632.505,"sentiment":"neutral","sentiment_score":0.2208939976990223}],"sentiment":"neutral","sentiment_score":0.2081249374896288,"num_words":8,"start":1618.7699,"end":1632.505},{"sentences":[{"text":"A lot of it, I already understood from previous conversations I've had.","start":1632.725,"end":1635.925,"sentiment":"neutral","sentiment_score":0.1606527827680111},{"text":"So, yep, that's been good.","start":1635.925,"end":1637.65,"sentiment":"positive","sentiment_score":0.5885600447654724},{"text":"I've just finished the signing and it's just loading on my end.","start":1637.65,"end":1641.3501,"sentiment":"positive","sentiment_score":0.6277521948019663},{"text":"So I'll just clarify with you that from this point, you're going to look into those ethical funds and and and income 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runs?","start":1654.525,"end":1665.8251,"sentiment":"neutral","sentiment_score":0.005384438236554464},{"text":"Yep.","start":1678.59,"end":1679.09,"sentiment":"neutral","sentiment_score":-0.040920913219451904},{"text":"Yeah.","start":1706.74,"end":1707.22,"sentiment":"neutral","sentiment_score":0.07789028435945511},{"text":"Lovely.","start":1707.22,"end":1707.72,"sentiment":"positive","sentiment_score":0.3689508438110352},{"text":"Yeah.","start":1710.255,"end":1710.4149,"sentiment":"neutral","sentiment_score":0.08393175899982452}],"sentiment":"neutral","sentiment_score":0.01915838591316167,"num_words":34,"start":1654.525,"end":1710.4149},{"sentences":[{"text":"Yeah.","start":1710.4149,"end":1710.735,"sentiment":"neutral","sentiment_score":0.09827369451522829},{"text":"Yep.","start":1710.735,"end":1711.235,"sentiment":"neutral","sentiment_score":0.1138826236128807},{"text":"Thanks, Paul.","start":1711.2949,"end":1712.0349,"sentiment":"positive","sentiment_score":0.3740358054637909},{"text":"In terms of work and personal?","start":1723.36,"end":1726.58,"sentiment":"neutral","sentiment_score":-0.002172226474309961},{"text":"Just work?","start":1729.36,"end":1730.26,"sentiment":"neutral","sentiment_score":0.0009799064137041567}],"sentiment":"neutral","sentiment_score":0.07909619858643661,"num_words":12,"start":1710.4149,"end":1730.26},{"sentences":[{"text":"I'd say 80% is manual for work.","start":1734.0,"end":1737.675,"sentiment":"neutral","sentiment_score":0.019203961294676577},{"text":"Yeah.","start":1737.675,"end":1738.175,"sentiment":"neutral","sentiment_score":0.03813470900058746},{"text":"Correct.","start":1741.115,"end":1741.515,"sentiment":"neutral","sentiment_score":0.05927100032567978},{"text":"Yeah.","start":1741.515,"end":1742.015,"sentiment":"neutral","sentiment_score":0.024244219064712524},{"text":"Working 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where we're going to this client to see the vehicle to be detailed so we can provide a quote, which is definitely not labor intensive at all.","start":1779.57,"end":1790.05,"sentiment":"neutral","sentiment_score":0.15269841519849642},{"text":"We're just simply looking.","start":1790.05,"end":1791.35,"sentiment":"neutral","sentiment_score":0.10991075821220875},{"text":"Possibly, yes.","start":1800.365,"end":1801.4249,"sentiment":"neutral","sentiment_score":-0.014029892161488533},{"text":"And that is we've got the potential to because we are a franchise, we've been given the opportunity to buy out the franchisor.","start":1803.245,"end":1814.71,"sentiment":"neutral","sentiment_score":0.030197676190215607},{"text":"So that's potentially going to change what it is that we do on a day to day 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let's book it in now.","start":2209.515,"end":2210.9749,"sentiment":"neutral","sentiment_score":0.20056559642155966}],"sentiment":"neutral","sentiment_score":0.1242232609540224,"num_words":10,"start":2150.2349,"end":2210.9749},{"sentences":[{"text":"I'll I mean, if you know what, just talk while I'm working.","start":2211.035,"end":2213.3801,"sentiment":"neutral","sentiment_score":0.11225742318977912},{"text":"No problem.","start":2213.3801,"end":2214.04,"sentiment":"neutral","sentiment_score":0.12741205096244812},{"text":"Yeah.","start":2222.4202,"end":2222.82,"sentiment":"neutral","sentiment_score":0.08043977618217468},{"text":"We we can work on a Friday.","start":2222.82,"end":2223.94,"sentiment":"neutral","sentiment_score":0.11110217549971171},{"text":"That's no 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fine.","start":2245.1401,"end":2247.08,"sentiment":"neutral","sentiment_score":0.026684658229351045}],"sentiment":"neutral","sentiment_score":-0.010340262398434183,"num_words":48,"start":2232.245,"end":2247.08},{"sentences":[{"text":"Twenty fifth at nine.","start":2256.875,"end":2258.495,"sentiment":"neutral","sentiment_score":0.01260432880371809},{"text":"Actually, I do know where I'll be then.","start":2260.155,"end":2261.595,"sentiment":"neutral","sentiment_score":0.04193747090175748},{"text":"That's fine.","start":2261.595,"end":2261.915,"sentiment":"neutral","sentiment_score":0.11414388194680214},{"text":"Yes.","start":2261.915,"end":2262.155,"sentiment":"neutral","sentiment_score":0.16912394762039185},{"text":"That'll work fine.","start":2262.155,"end":2263.115,"sentiment":"neutral","sentiment_score":0.2485377093156179}],"sentiment":"neutral","sentiment_score":0.08494121788276567,"num_words":18,"start":2256.875,"end":2263.115},{"sentences":[{"text":"Yep.","start":2263.115,"end":2263.615,"sentiment":"neutral","sentiment_score":0.17965883016586304},{"text":"Yep.","start":2269.89,"end":2270.39,"sentiment":"neutral","sentiment_score":0.29886913299560547},{"text":"Awesome.","start":2275.41,"end":2275.89,"sentiment":"positive","sentiment_score":0.7513121366500854},{"text":"Thank you very much.","start":2275.89,"end":2276.95,"sentiment":"positive","sentiment_score":0.7944848835468292},{"text":"Thank you.","start":2282.555,"end":2283.375,"sentiment":"positive","sentiment_score":0.5402044057846069}],"sentiment":"positive","sentiment_score":0.6097987161742316,"num_words":9,"start":2263.115,"end":2283.375}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Dan\n\nChannel 0: Hi, James. It's Jenna here phoning from Oakview Financial. How are you today?\n\nChannel 1: speaking. Yeah. I'm very well. How are you?\n\nChannel 0: I'm good. Thanks. Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay?\n\nChannel 1: Not a worry.\n\nChannel 0: Beautiful. And just while I have you, I'll just get you to confirm your full name, date of birth, and address, please.\n\nChannel 1: Yep. This is James Edward Medland, the 07/12/1994, and address is 3 Balen Street, Plaques Creek, Queensland 4127.\n\nChannel 0: Fantastic. Thank you for that. How are you doing today?\n\nChannel 1: Yeah. Well, thank you. How about yourself?\n\nChannel 0: Very good. Thanks. Glad it's Friday.\n\nChannel 1: Absolutely.\n\nChannel 0: The purpose of my call this morning is just to complete your annual review that we had scheduled in. Do you still have time to do that?\n\nChannel 1: I do. Yeah.\n\nChannel 0: Fantastic. Alright. So what I'm going to do is I'm going to start by running through the information that we have on file for you to make sure that it is still current and correct\n\nChannel 1: Yep.\n\nChannel 0: because any changes can lead to alternative advice if needed. So what I'm gonna do is I'm gonna run through your personal situation at the moment. I\n\nChannel 1: Yep.\n\nChannel 0: have you as married to Renee. Is that still correct?\n\nChannel 1: I hope so.\n\nChannel 0: Pardon?\n\nChannel 1: I certainly hope so.\n\nChannel 0: Sorry. It dropped out there.\n\nChannel 1: Yeah. Yeah. Definitely am. Absolutely.\n\nChannel 0: No. An until notified otherwise. I also have you having two dependents. Is that right?\n\nChannel 1: Correct.\n\nChannel 0: Yeah. What's their name?\n\nChannel 1: Elizabeth and Penelope.\n\nChannel 0: Oh, beautiful. And how old are they?\n\nChannel 1: 10 and eight.\n\nChannel 0: Oh, wow. Good ages.\n\nChannel 1: Yes. We like it. But they they fight a lot.\n\nChannel 0: Oh, I've got a girl and a boy, and they fight a lot too. So\n\nChannel 1: Yeah.\n\nChannel 0: I\n\nChannel 1: I\n\nChannel 0: don't\n\nChannel 1: think\n\nChannel 0: think\n\nChannel 1: that might\n\nChannel 0: it's\n\nChannel 1: be\n\nChannel 0: any\n\nChannel 1: worse than two girls.\n\nChannel 0: my girl's 10. And at the moment, the only thing I get out of her when I ask a question is, mhmm, and it is driving me insane.\n\nChannel 1: Yes, ma'am. Yes, it would.\n\nChannel 0: Alright. From an employment and income perspective, I have your employment occupation down as director and caravan and boat detailer. Is that right?\n\nChannel 1: Correct.\n\nChannel 0: Yep. Are you self employed or employed?\n\nChannel 1: Self employed.\n\nChannel 0: Self employed. And how many hours per week do you roughly work?\n\nChannel 1: Forty is probably the the round figure.\n\nChannel 0: Yep. Yep. And how long have you been self employed for?\n\nChannel 1: That'll be fourteen months, I think, it's what we've been.\n\nChannel 0: Beautiful. And your business is still called CJS Specialized Detailing?\n\nChannel 1: Yes. That's correct.\n\nChannel 0: Fantastic. I have your income down as 70,000. Is that is that right?\n\nChannel 1: Yes. Correct.\n\nChannel 0: Alright. And your expenditure, so living expenses excluding mortgage or any other debt is $3.50. Would that be correct or more?\n\nChannel 1: Is that a weekly?\n\nChannel 0: Yeah.\n\nChannel 1: Probably somewhere look. If we just move it up to 500, it's probably more of an\n\nChannel 0: 5\n\nChannel 1: accurate figure\n\nChannel 0: 100?\n\nChannel 1: nowadays.\n\nChannel 0: Yeah. Yep. And are you managing to have do any savings per week?\n\nChannel 1: Yes. Yes is probably the correct answer there. It's\n\nChannel 0: Yeah.\n\nChannel 1: just put directly towards the the mortgage, I guess,\n\nChannel 0: Yeah.\n\nChannel 1: as in in into the mortgage account rather than being held\n\nChannel 0: Okay.\n\nChannel 1: in a savings account.\n\nChannel 0: So okay. So, like, your offset or just\n\nChannel 1: Yeah.\n\nChannel 0: directly\n\nChannel 1: Yeah.\n\nChannel 0: into the mortgage?\n\nChannel 1: Offsets.\n\nChannel 0: Yep. How much per week do you reckon you put into\n\nChannel 1: Yeah. That\n\nChannel 0: Just\n\nChannel 1: is\n\nChannel 0: roughly.\n\nChannel 1: $150 a week.\n\nChannel 0: Beautiful. And are you paying yourself super?\n\nChannel 1: Yes.\n\nChannel 0: Beautiful. The 12%?\n\nChannel 1: Yes. Correct.\n\nChannel 0: Okay. Any additional amounts or just\n\nChannel 1: No.\n\nChannel 0: the 12%?\n\nChannel 1: Just the\n\nChannel 0: Yep.\n\nChannel 1: twelfth. Yeah.\n\nChannel 0: Beautiful. Your home, we have valued here at 425,000. Do you that's still accurate?\n\nChannel 1: No. I think it has racing. And the last time I looked, it was near the $800,000 mark.\n\nChannel 0: Oh, beautiful. And we have debt of 196.\n\nChannel 1: No. That will have reduced, but give me two seconds.\n\nChannel 0: Yep.\n\nChannel 1: I can give you that number.\n\nChannel 0: Oh, fantastic. Thank you.\n\nChannel 1: So 184.\n\nChannel 0: 184. Fantastic. And we have a car here, our value at 4,000. Would that be correct?\n\nChannel 1: No. That has changed.\n\nChannel 0: Okay.\n\nChannel 1: So I've I've got a new vehicle, but it's registered under the business.\n\nChannel 0: Mhmm.\n\nChannel 1: So that's\n\nChannel 0: That's okay.\n\nChannel 1: essentially is that a business vehicle, or should I have that noted down as personal?\n\nChannel 0: I can I can put it down anyway? I'll just note it as a business vehicle.\n\nChannel 1: Yeah. Okay. It's 60 70,000. Put that with\n\nChannel 0: 70.\n\nChannel 1: the bits and pieces\n\nChannel 0: Yep.\n\nChannel 1: on\n\nChannel 0: And what is there any debt on it? Or\n\nChannel 1: Yes.\n\nChannel 0: yep. And that's all through the business.\n\nChannel 1: Yeah. Correct.\n\nChannel 0: Yep. Fantastic. What's the debt on it?\n\nChannel 1: That's only a recent recent purchase, so it would be, yeah, close to the $70,000 mark. Actually, it's probably\n\nChannel 0: Yep.\n\nChannel 1: around 68,000 at the moment.\n\nChannel 0: Beautiful. What type of car did you get?\n\nChannel 1: BYD Shark.\n\nChannel 0: Oh, nice. I've seen those\n\nChannel 1: Yes.\n\nChannel 0: driving around. They look good.\n\nChannel 1: Yeah. So far, so good. No complaints yet.\n\nChannel 0: That's good. That's good. Any other assets or debts that you can think of?\n\nChannel 1: No. Not\n\nChannel 0: No.\n\nChannel 1: at this point.\n\nChannel 0: Fantastic. Just to finish off the financial questions, have you ever been declared bankrupt or had a debt agreement?\n\nChannel 1: No.\n\nChannel 0: No. Fantastic. Moving on to the health and lifestyle side of things. Are you a smoker?\n\nChannel 1: No.\n\nChannel 0: Have you been a smoker in the past?\n\nChannel 1: Negative.\n\nChannel 0: Perfect. Do you have any significant health injuries or illnesses?\n\nChannel 1: No.\n\nChannel 0: Nope. I asked that the wrong way. I should have said health issues. Don't don't mind me. Friday.\n\nDo you take any medication at all?\n\nChannel 1: No.\n\nChannel 0: Do you have private health?\n\nChannel 1: I do not.\n\nChannel 0: Nope. And we have your height here at a hundred and eighty one centimeters and your weight at seventy five. Would that still be accurate?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. And from an estate planning perspective, I have here recorded that you don't have a will or power of attorney. Is that right?\n\nChannel 1: Correct.\n\nChannel 0: Or okay. Okay. So beautiful. Alright. I'm gonna jump up to what your goals and objectives were last time you had a review.\n\nOne of them was that you would like to knock down the house and rebuild. Is that still something that you're working towards?\n\nChannel 1: Mhmm. It is, but we're looking\n\nChannel 0: Yep.\n\nChannel 1: to raise and renovate now rather than knock down and rebuild.\n\nChannel 0: Okay. Have you got a time frame that you're looking at that?\n\nChannel 1: Not specifically. No.\n\nChannel 0: No. And you're not sure of what it's gonna cost you or\n\nChannel 1: At this\n\nChannel 0: anything\n\nChannel 1: point, no. We're just\n\nChannel 0: like\n\nChannel 1: running through ideas more so\n\nChannel 0: that?\n\nChannel 1: than anything.\n\nChannel 0: Yep. Absolutely fine. With retirement, we have here a retirement goal of it's a lifestyle and travel around Australia goal. You don't wanna you do want to improve your camping setup and purchase a camping trailer. Apart that, you haven't really thought about retirement itself.\n\nStill correct?\n\nChannel 1: Yes.\n\nChannel 0: Yep. So I'm gonna ask a couple of probing questions here. They might sound weird, but it just helps us to see long term what it is that you're working towards. So\n\nChannel 1: Yep.\n\nChannel 0: given that you are 32 years of age, retirement is a little while off yet. But based on today's dollars, if you were debt free, children were financially independent, you know, all those kind of types of things, how much would you and Renee need to live comfortably in retirement in today's dollars, bearing in mind that that's gonna, you know, inflate over time, but just\n\nChannel 1: Yep.\n\nChannel 0: in today's dollars?\n\nChannel 1: We don't really want for too much. So yeah. I live comfortably. Yeah. Probably looking at 500 to $1,000 a week being debt free.\n\nChannel 0: Yep. Beautiful. I'm gonna put a thousand dollars per week.\n\nChannel 1: Yep.\n\nChannel 0: And retirement age for yourself, ideally, what would you like to aim towards?\n\nChannel 1: Oh, very difficult to say.\n\nChannel 0: It is, isn't it?\n\nChannel 1: Yeah.\n\nChannel 0: If\n\nChannel 1: Let's\n\nChannel 0: you\n\nChannel 1: put\n\nChannel 0: were able\n\nChannel 1: that.\n\nChannel 0: to financially, would it be 60? Would it be 65? If in a perfect world, what would what would be the age you'd like to retire?\n\nChannel 1: Let's call it 70.\n\nChannel 0: 70. Very nice. You're gonna go the long haul.\n\nChannel 1: Yeah. I'm I'm more in a bit of fitting still.\n\nChannel 0: It's it's a transition. I can tell you that. Working with advice and for a very long time and and people reaching retirement, it's a transition, not just financially, but mentally so that you've got things to do and mentally\n\nChannel 1: Yeah.\n\nChannel 0: so that you've got things to do and plans when you do retire because a lot of people go stir crazy because we're so used to working.\n\nChannel 1: Yep.\n\nChannel 0: So it is it is a bit of both, so I understand that.\n\nChannel 1: Yeah. Absolutely.\n\nChannel 0: With your superannuation, the goal you had that is you wanna look into options with other funds, which we did for you. You did mention that you'd like some ethical investments because your wife is studying to be a ecological scientist. Is that still something that you're wanting, or are you more looking towards gross options to make sure that your portfolio not that they wouldn't the ethical options don't perform, but I guess I'm probably trying to understand that a bit better from you.\n\nChannel 1: Yeah. So I still want a back ethical\n\nChannel 0: Yep.\n\nChannel 1: option.\n\nChannel 0: Yep.\n\nChannel 1: And, yeah, I'm looking always towards that greener future kind of thing.\n\nChannel 0: Yep. Okay. With the ethical options, what part of your portfolio would you want made up of ethical options?\n\nChannel 1: As in percentage wise?\n\nChannel 0: Yeah. Percentage wise would be a good start because then I can work backwards. Yeah.\n\nChannel 1: Yeah. Probably a majority of it,\n\nChannel 0: Okay.\n\nChannel 1: I'd say I want a minimum of 80% of it to be through ethical options. Ideally, a 100% is always good.\n\nChannel 0: Okay.\n\nChannel 1: Yeah.\n\nChannel 0: Alright. Leave that with me. That's something I'm gonna look at because at the moment, you don't have a large exposure to that. So that's something I am gonna look at for you.\n\nChannel 1: Okay.\n\nChannel 0: And you insurance wise, your goal was you're quite happy with your insurances, and everything seems to cover you for what you need. We can go through what your levels of cover are shortly. So do you think that's still appropriate?\n\nChannel 1: Yes.\n\nChannel 0: Yep. From a estate planning perspective, have you and Renee talked to anybody about getting those in place?\n\nChannel 1: No. Not yet.\n\nChannel 0: No. Okay. What I can do is we work with a professional partner. I can send you through a brochure about those documents. It gives you a bit of a price guide.\n\nBeing in the industry for a really, really long time, the prices they charge are really, really, really reasonable compared to what I've seen in my time.\n\nChannel 1: Okay.\n\nChannel 0: So given that you've got two young daughters, if something was to happen to you, it's not only just the estate side of things of where things go. There's the guardianship to consider those\n\nChannel 1: Yeah.\n\nChannel 0: types of things. So would you like me to send you through the the brochure? And once you and Renee have had a chance to look at it, if you want me to arrange an introduction, I can.\n\nChannel 1: Okay.\n\nChannel 0: And it can all be done virtually as well, like through emails, phone calls, those\n\nChannel 1: Yeah.\n\nChannel 0: sorts\n\nChannel 1: Okay.\n\nChannel 0: of things.\n\nChannel 1: Yeah. If you could, that would be great. Yes, please.\n\nChannel 0: Absolutely. Okay. So with that surplus cash flow at the moment, a 150 per week into your offset account, are you happy to maintain that to keep reducing debt, or did you wanna look at investing it? What's your perp I mean, I guess, is that what your plan is still to reduce debt?\n\nChannel 1: Yes. Just looking to\n\nChannel 0: Yep.\n\nChannel 1: to get that home loan right then.\n\nChannel 0: Fantastic. Beautiful. Alright. Do you have access to your emails\n\nChannel 1: I\n\nChannel 0: at\n\nChannel 1: do. Yes.\n\nChannel 0: all? Yeah. So you would have received an email just recently from. That's come from me.\n\nChannel 1: Yep.\n\nChannel 0: It is your review pack. And when you open the email, there's an option in there that says a button, I believe, that says sign. If you open that, it'll bring up your review pack. You're not signing anything right now. We're just gonna talk through it.\n\nAnd then at the end, if you're comfortable or if you've got any questions or you need some time, we'll get you to sign the documents required then.\n\nChannel 1: Yep. No worries.\n\nChannel 0: So the first document is just a overview summary of what you have. So you've got your hub twenty four account at a 94000 1 And 60, and you've got your life and TPD insurance with ClearView funded through your superannuation fund. So it costs $290 per annum rounded up.\n\nChannel 1: Yep.\n\nChannel 0: The two things that I note, being self employed, you don't have income protection cover. Is there a reason for that?\n\nChannel 1: It's not something that's been on my radar before, I guess, is\n\nChannel 0: Okay.\n\nChannel 1: probably what\n\nChannel 0: Yep.\n\nChannel 1: why it's not there. Yeah.\n\nChannel 0: Okay.\n\nChannel 1: And I'm not I I don't fully understand how it works as well.\n\nChannel 0: Alright. So what I'll do is I'm going to explain it. If at any point I lose you, let me know. It's pretty straightforward. Basically, what income protection to do is designed to do, if you think of it similar to a a\n\nChannel 1: Yep.\n\nChannel 0: work cover policy, I guess, for employees, but that's only covers them at work. So an income protection policy will cover up to 70% of your taxable income. So that would be the 70,000 that you pay yourself,\n\nChannel 1: Mhmm.\n\nChannel 0: and you're covered for injury or illness twenty four hours a day, seven days a week. Now being self employed, I think it's critical you have this cover because if you were unable to work due to injury or illness, you're gonna lose your income.\n\nChannel 1: Yeah.\n\nChannel 0: So the next step from that down is is two things called a waiting period and a benefit period. A waiting period, I like to explain as a car excess. If you liken it to that, it's the number of days you have to be off work consecutively before you can claim. So that the minimum being thirty days, and then from there on up, it goes sixty and ninety. So depending on and then, obviously, more after that, but they're not very popular.\n\nSo if you have sufficient savings or redraw in your home loan, you might be able to last a longer waiting period. But because those those waiting periods do obviously impact the the premium of the policy. The next section is the benefit period. This dictates how men how much time you can be paid on based on an injury or illness. They start at two years, five years, and to age 65 being the average standard average standard retirement date.\n\nSo I strongly, strongly recommend that we look at this cover for you. And the and, additionally, there's two options for payment. You can pay it through your super fund the same way that your life and TPD is funded, or you can pay it through your personal cash flow, and it can be claimed as a personal tax deduction. So it's really a preference as to, you know, do you get typically get a tax bill? Do you want the tax deduction?\n\nDo you want it paid through super? Kind of guided by\n\nChannel 1: Yeah.\n\nChannel 0: well enough?\n\nChannel 1: Yes. Yeah. Yeah. You certainly\n\nChannel 0: Yeah.\n\nChannel 1: did.\n\nChannel 0: Okay.\n\nChannel 1: Sorry. Just one second.\n\nChannel 0: No. You're absolutely fine.\n\nChannel 1: Can you still hear me?\n\nChannel 0: Yes. I can.\n\nChannel 1: Okay. Cool.\n\nChannel 0: Sorry?\n\nChannel 1: Yeah. Sorry. I've just put you over to to some hedge funds so I can keep working.\n\nChannel 0: Oh, you're fine. I'll try and not take up too much of your time.\n\nChannel 1: No. No. That's all good. So if I was to do it, I'd do it through the superannuation, I think.\n\nChannel 0: Yep. That's absolutely fine. What I'm going to do is that's gonna be my homework to do to investigate further for you along with your ethical options within your\n\nChannel 1: Yep.\n\nChannel 0: your fund. The other piece of insurance\n\nChannel 1: Okay.\n\nChannel 0: or the other type of policy, I should say, that's available is called trauma insurance. It's a lump sum cover that pays you if you're diagnosed with a specific illness. They range from cancer, stroke, heart attack, neurological conditions, and that\n\nChannel 1: Right.\n\nChannel 0: premium is paid from your personal cash flow. So it's kind\n\nChannel 1: Yeah.\n\nChannel 0: of like a stop a stop gap between your income protection and your TPD where it it would it's a lump sum tax free just to get you through the recuperation period. Typically, with a trauma claim, we see that clients aren't terminal. They're just they've had a a diagnosis, and it's more about recovering and the financial impact that has as opposed to the income protection side of things where you're probably likely to be off work for a longer term.\n\nChannel 1: Yeah. Okay. I'm not interested in that one.\n\nChannel 0: Beautiful. That's absolutely fine. And the last thing with your insurance, your insurance, some insureds are just shy of 300,000 rounded up for life and TPD.\n\nChannel 1: Yep.\n\nChannel 0: Is that still relevant to for Renee and Elizabeth and Penelope? So, basically, looking at those figures, it's gonna pay your debt, and it's gonna leave about a $100 plus your super balance to Renee and the girls. Is that enough? Is that what you're hoping to achieve with that? Is there any higher cover needed?\n\nWould Renee need more funds to\n\nChannel 1: I don't believe so. What is that what's that what it is at currently, I\n\nChannel 0: yep.\n\nChannel 1: believe, is still\n\nChannel 0: Perfect.\n\nChannel 1: good for that situation. Yeah.\n\nChannel 0: Okay. Beautiful. Next document over in that pack is the performance for your super fund. Now there's you'll note the very top one is the Benelon Australian Equities Fund, had a very poor performance. We don't typically rush to replace investments if just due to performance.\n\nUnfortunately, Bennelong has been a longer term underperformer, and it's not that the Australian share market has underperformed itself. It's more that their investment mandate isn't rolling with the Australian share market at the moment. So they look at under they try to identify underperforming companies for potential growth, whereas the share market has kind of faded, you know, the the financials and the resources sector. So\n\nChannel 1: Yeah. I got it. Yep.\n\nChannel 0: so with your permission, what we're doing at the moment is looking to replace Benelon.\n\nChannel 1: Yep.\n\nChannel 0: But given that we're gonna look at the ethical options as well, I think that's suitable for you.\n\nChannel 1: Yes. Perfect.\n\nChannel 0: Alright. Fantastic. Alright.\n\nChannel 1: Packing for that.\n\nChannel 0: So the twelve month performance was pretty abysmal, 0.55%, and that's attributed to the Bennelong Australian Equities Fund. The next document over is a six month performance report. So you can see that Bennelong's bouncing back a little bit over the last six months, and your return in the last six months has gone back up to 7.81%. So it's it's recovering. Like, the Benelong\n\nChannel 1: Yeah.\n\nChannel 0: Fund is recovering, but it's still something that we're not comfortable maintaining in our clients' portfolios.\n\nChannel 1: Okay. Yep. Understood.\n\nChannel 0: The next document is the Vanguard index chart. It's a visual tool that we just share with our clients to explain how your funds are invested. So in a you're invested as a high growth investor. So what that means is 90% of your superannuation in the top four, your US shares, Australian shares, international shares, and property. So you can see\n\nChannel 1: Yep.\n\nChannel 0: the volatility that those sectors experience with your\n\nChannel 1: Yep.\n\nChannel 0: remaining 10% in the Australian bonds and cash, which provides a little bit of growth over the long term, but it's more an income producing defensive asset.\n\nChannel 1: Yeah. Okay. Understood.\n\nChannel 0: Are you happy to continue maintaining that approach to investment for your superannuation?\n\nChannel 1: Yes. I can believe I am.\n\nChannel 0: Yeah. Yep. Okay. Fantastic. The next document I know about is your certificate of currency.\n\nSo all that is is the actual ClearView document that confirms the levels of cover on the front page, so your life and TPD cover. And the next document is our financial services guide. So what that is is it explains to you who we are, who our licensee is that we're licensed by, what advice we provide, how we provide it, fees, and complaints if there's a situation and that you need to make a complaint for the complaint process. And this document's always available on the website also.\n\nChannel 1: Yep. Perfect.\n\nChannel 0: The next document is the ongoing fee that we do charge from your superannuation fund. So if you wish to main remain a client of Oakview, that fee is 155 the 1 hun $1,554 rounded up to make it nice and easy, which equates to about a $130 a month that's deducted from your hub twenty four account. So if you do if you're happy and comfortable with that, that is one of the documents that we do need you to sign.\n\nChannel 1: Yep.\n\nChannel 0: And then the final document is your tax file number authority. So we do hold your tax file number on file because we set up your superannuation fund. This is just a form for you to sign saying that you're happy and you acknowledge that we do\n\nChannel 1: Yep.\n\nChannel 0: hold that for you on your behalf.\n\nChannel 1: Yeah. Perfect.\n\nChannel 0: So those last two documents need signatures. I've just downloaded a hell of a lot of information for you. Any questions?\n\nChannel 1: Yep. No. Everything is fairly straightforward. A lot of it, I already understood from previous conversations\n\nChannel 0: Yep.\n\nChannel 1: I've had. So, yep, that's\n\nChannel 0: Fantastic.\n\nChannel 1: been good. I've just finished the signing and it's just\n\nChannel 0: Fantastic.\n\nChannel 1: loading on my end.\n\nChannel 0: Yeah. Beautiful.\n\nChannel 1: So I'll just clarify with you that from this point, you're going to look into those ethical funds and\n\nChannel 0: Income protection. Yep.\n\nChannel 1: and and income protection. Yeah. And\n\nChannel 0: Yep.\n\nChannel 1: so the income\n\nChannel 0: Certainly\n\nChannel 1: protection, is that gonna\n\nChannel 0: am.\n\nChannel 1: go is that likely to be set with ClearView and through that channel, or is it a different\n\nChannel 0: What\n\nChannel 1: avenue\n\nChannel 0: what we'll\n\nChannel 1: that\n\nChannel 0: do\n\nChannel 1: that runs?\n\nChannel 0: is Yeah. So if Clearview is appropriate, it's likely to be with Clearview. You'll have to go through the whole underwriting process again, which I'm gonna ask I'm gonna keep it short, but I'll ask you some questions to do that. But if Clearview\n\nChannel 1: Yep.\n\nChannel 0: isn't the most appropriate in the market being, say, premium wise policy definitions, we can look at other companies. But before I do that, I just wanted to run through a couple of quick\n\nChannel 1: Yeah.\n\nChannel 0: Is\n\nChannel 1: Lovely.\n\nChannel 0: that okay to have about five more minutes of your time?\n\nChannel 1: Yeah. Yeah. Yep. Thanks, Paul.\n\nChannel 0: Alright. What percentage of your daily routine or duties involve a manual component?\n\nChannel 1: In terms of work and personal?\n\nChannel 0: Just work.\n\nChannel 1: Just work?\n\nChannel 0: Yep.\n\nChannel 1: I'd say 80% is manual\n\nChannel 0: Yep.\n\nChannel 1: for work.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: And that's detailing.\n\nChannel 1: Correct. Yeah.\n\nChannel 0: Yep. Do you work at heights or anything like that or work with any hazardous materials?\n\nChannel 1: Working alright. So yeah. We need to use ladders.\n\nChannel 0: Yep. Do you go do you go\n\nChannel 1: Sorry,\n\nChannel 0: 12\n\nChannel 1: Curtis.\n\nChannel 0: meters at all?\n\nChannel 1: No.\n\nChannel 0: No? Okay. Fantastic. With 80%, the remaining 20%, is that book work or office work? What's that?\n\nChannel 1: So that's that's probably the quoting and driving portion of of what we\n\nChannel 0: Yep.\n\nChannel 1: do. So where we're\n\nChannel 0: Yep.\n\nChannel 1: going to this client to see the vehicle to be detailed so we can provide a quote,\n\nChannel 0: Fantastic.\n\nChannel 1: which is definitely not labor intensive at all. We're just simply looking.\n\nChannel 0: Yeah. Yeah. Of course. No. I understand.\n\nDo you intend on making any changes to your occupation in the next twelve months?\n\nChannel 1: Possibly, yes.\n\nChannel 0: Okay. What do\n\nChannel 1: And\n\nChannel 0: you what\n\nChannel 1: that\n\nChannel 0: are you\n\nChannel 1: is\n\nChannel 0: thinking?\n\nChannel 1: we've got the potential to because we are a franchise,\n\nChannel 0: Yep.\n\nChannel 1: we've been given the opportunity to buy out the franchisor. So\n\nChannel 0: Yep.\n\nChannel 1: that's potentially going to change what it is that we do on a day to day basis. But\n\nChannel 0: Mhmm.\n\nChannel 1: there's it's in the very early stages. So if anything changes at all, it's still quite an unknown to me, but there's definitely potential that it will change.\n\nChannel 0: Okay. So will you still be working in the same, like, industry doing the same kind of duties?\n\nChannel 1: Likely, yes.\n\nChannel 0: Yeah.\n\nChannel 1: It's\n\nChannel 0: Okay.\n\nChannel 1: definitely gonna be in the same industry, but\n\nChannel 0: Yep.\n\nChannel 1: doing the same duties is where the uncertainty is.\n\nChannel 0: Okay. In what respect?\n\nChannel 1: So if we take over being the franchisable, we'll be doing,\n\nChannel 0: Yep.\n\nChannel 1: like, advertising. It'd be more office work and running\n\nChannel 0: Yeah.\n\nChannel 1: the\n\nChannel 0: Okay.\n\nChannel 1: franchises rather than being the laborer doing the actual franchise\n\nChannel 0: Yep.\n\nChannel 1: work.\n\nChannel 0: Yep.\n\nChannel 1: But, yeah,\n\nChannel 0: Perfect.\n\nChannel 1: again, really unsure\n\nChannel 0: Yeah. So\n\nChannel 1: about\n\nChannel 0: it's\n\nChannel 1: what that is.\n\nChannel 0: yeah. So you're not really changing your occupation. It's just that your your off your field work would increase I mean, re decrease and your office work would increase, so that's fine.\n\nChannel 1: Yeah.\n\nChannel 0: I understand that. Thank you.\n\nChannel 1: No\n\nChannel 0: Do\n\nChannel 1: worries.\n\nChannel 0: you have a second occupation at all?\n\nChannel 1: No.\n\nChannel 0: No. Do you intend to travel or live overseas any time, say, within the next twelve to eight months for a holiday or work?\n\nChannel 1: Not at this point. No.\n\nChannel 0: No. Do you participate in any sports or pastimes or hobbies?\n\nChannel 1: Other than gym activity, I guess. But\n\nChannel 0: Yep. No. That's\n\nChannel 1: no.\n\nChannel 0: okay. What\n\nChannel 1: Not\n\nChannel 0: what\n\nChannel 1: not for\n\nChannel 0: they're\n\nChannel 1: me.\n\nChannel 0: looking for there is more like if you play football or you skydive or go rock climbing, like those\n\nChannel 1: Right.\n\nChannel 0: kind of ones\n\nChannel 1: No.\n\nChannel 0: that you get hurt more often.\n\nChannel 1: No. I'm not doing any of that.\n\nChannel 0: Perfect. Have you sorry. But I have to ask. Have you ever taken any illicit drugs?\n\nChannel 1: I have not.\n\nChannel 0: No? Okay. Do you drink alcohol?\n\nChannel 1: Very, very little.\n\nChannel 0: Yep. Okay. So on average, how much do you think you drink per week?\n\nChannel 1: None.\n\nChannel 0: None?\n\nChannel 1: One one maybe\n\nChannel 0: Yep.\n\nChannel 1: every three months, six months.\n\nChannel 0: Yep. Beautiful. I've got your height and weight. Have you lost any weight in the last\n\nChannel 1: Not that I'm aware of.\n\nChannel 0: twelve months? No. You'd know. So in in the last twelve months, have you been able to unable to perform your occupation due to injury any injury or illness?\n\nChannel 1: No.\n\nChannel 0: No. Ever had any work cover claims?\n\nChannel 1: No.\n\nChannel 0: Any insurance applications declined?\n\nChannel 1: No.\n\nChannel 0: Nope. I'm just gonna briefly run through some health conditions that and just a simple yes or no whether you've sought advice or treatment from a health professional. So\n\nChannel 1: Nope.\n\nChannel 0: any type of stress, anxiety, depression, mental health,\n\nChannel 1: No.\n\nChannel 0: any skin cancers, moles, cysts, lesions? Any back pain, neck pain?\n\nChannel 1: No. No.\n\nChannel 0: Any broken bones, muscles, ligaments, tendon tears?\n\nChannel 1: No.\n\nChannel 0: Any blood borne diseases, any heart or blood condition,\n\nChannel 1: No.\n\nChannel 0: any cancer, any asthma or respiratory conditions, any issues with the eyes or ears outside of wearing glasses or contact lenses, any high blood pressure or cholesterol, Any diabetes or thyroid conditions?\n\nChannel 1: Nope.\n\nChannel 0: Any skin conditions like eczema or dermatitis? Any other condition or surgery that you can think of?\n\nChannel 1: No.\n\nChannel 0: No. Fantastic. Alright. Do you intend on seeing a doctor for anything, any test investigation or surgery at the at\n\nChannel 1: No.\n\nChannel 0: the moment?\n\nChannel 1: Nope.\n\nChannel 0: Beautiful. Alright. Last question. Sorry. And I'll get through them quickly.\n\nThese are in relation to immediate family members, so your mom, dad, or siblings, and just if they've ever been diagnosed with any of the following\n\nChannel 1: Okay.\n\nChannel 0: or suffered from them. Heart disease, heart attack, or stroke,\n\nChannel 1: No.\n\nChannel 0: multiple cirrhosis, Parkinson's, or Alzheimer's, muscular dystrophy, Huntington's, or any motor\n\nChannel 1: No.\n\nChannel 0: neuron disease.\n\nChannel 1: No. No.\n\nChannel 0: Any bowel cancer or melanoma.\n\nChannel 1: No.\n\nChannel 0: Any polycystic kidney disease. Breast or ovarian\n\nChannel 1: No.\n\nChannel 0: cancer,\n\nChannel 1: No.\n\nChannel 0: mental health condition, cardiomyopathy or diabetes\n\nChannel 1: No. No.\n\nChannel 0: or anything else that you can think of?\n\nChannel 1: No.\n\nChannel 0: Fantastic. Alright. I think I've taken enough of your time in relation to answering all those probing questions. Do you have any other questions from me? Yep.\n\nOkay. So what I'm gonna do is I'm gonna go away and look at those ethical options for you, have a look at the income protection. What I would say is in about two weeks' time, we would have we would have to book in a time to present any changes. So the investment options and the, options and the income protection. I can book that in now, or would you like me to just reach out and book that in when it's\n\nChannel 1: Yep. So let's book it in now. I'll\n\nChannel 0: ready.\n\nChannel 1: I mean,\n\nChannel 0: Okay.\n\nChannel 1: if you know what,\n\nChannel 0: Beautiful.\n\nChannel 1: just talk while I'm working. No problem.\n\nChannel 0: Alright. Is there any day of the week that's best for you? Is it a Friday?\n\nChannel 1: Yeah. We we can work on a Friday. That's no problem.\n\nChannel 0: Yeah. I mean, I can do any any any day. I just\n\nChannel 1: Yeah.\n\nChannel 0: whatever's best for you.\n\nChannel 1: That's that's gonna ask you.\n\nChannel 0: No.\n\nChannel 1: Not not really\n\nChannel 0: I\n\nChannel 1: our calendar does fluctuate quite a bit depending on the the week and the day we're\n\nChannel 0: yeah.\n\nChannel 1: doing quotes and all that. So, yeah, there's no full structure to it. So if we just call it a Friday, that's fine.\n\nChannel 0: Okay. What about Friday, the twenty fifth? Would you like around the same time, 09:00?\n\nChannel 1: Twenty fifth at nine. Actually, I do know where I'll be then. That's fine. Yes. That'll work fine.\n\nYep.\n\nChannel 0: Alright. Fantastic. I will send you through a calendar invite so that goes into your calendar, and\n\nChannel 1: Yep.\n\nChannel 0: we will speak then and get these things sorted for you.\n\nChannel 1: Awesome. Thank you very much.\n\nChannel 0: Thank you for your time, and I look forward to speaking to you then. Enjoy your weekend.\n\nChannel 1: Thank you.\n\nChannel 0: Okay. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.56,"end":0.96,"sentiment":"neutral","sentiment_score":0.03450018912553787},{"text":"Dan","start":0.96,"end":1.46,"sentiment":"neutral","sentiment_score":0.03608758747577667}],"sentiment":"neutral","sentiment_score":0.03529388830065727,"channel":1,"num_words":2,"start":0.56,"end":1.46},{"sentences":[{"text":"Hi, James.","start":2.3999999,"end":3.12,"sentiment":"neutral","sentiment_score":0.06689269468188286},{"text":"It's Jenna here phoning from Oakview Financial.","start":3.12,"end":5.44,"sentiment":"neutral","sentiment_score":0.09521483949252538},{"text":"How are you today?","start":5.44,"end":6.42,"sentiment":"neutral","sentiment_score":0.12355355732142925}],"sentiment":"neutral","sentiment_score":0.0995771919305508,"channel":0,"num_words":13,"start":2.3999999,"end":6.42},{"sentences":[{"text":"speaking.","start":6.3199997,"end":6.56,"sentiment":"neutral","sentiment_score":0.038938820362091064},{"text":"Yeah.","start":6.56,"end":6.96,"sentiment":"neutral","sentiment_score":0.22831721603870392},{"text":"I'm very well.","start":6.96,"end":7.6,"sentiment":"positive","sentiment_score":0.44567351539929706},{"text":"How are you?","start":7.6,"end":8.34,"sentiment":"positive","sentiment_score":0.3671620786190033}],"sentiment":"positive","sentiment_score":0.338220352306962,"channel":1,"num_words":8,"start":6.3199997,"end":8.34},{"sentences":[{"text":"I'm good.","start":8.8,"end":9.36,"sentiment":"positive","sentiment_score":0.45823827385902405},{"text":"Thanks.","start":9.36,"end":9.86,"sentiment":"positive","sentiment_score":0.49775347113609314},{"text":"Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes.","start":10.08,"end":15.225,"sentiment":"neutral","sentiment_score":0.04616403539219628},{"text":"Is that okay?","start":15.225,"end":16.125,"sentiment":"neutral","sentiment_score":0.049007728695869446}],"sentiment":"neutral","sentiment_score":0.09044917306766428,"channel":0,"num_words":29,"start":8.8,"end":16.125},{"sentences":[{"text":"Not a worry.","start":16.545,"end":17.365,"sentiment":"neutral","sentiment_score":0.1135957141717275}],"sentiment":"neutral","sentiment_score":0.1135957141717275,"channel":1,"num_words":3,"start":16.545,"end":17.365},{"sentences":[{"text":"Beautiful.","start":18.105,"end":18.605,"sentiment":"positive","sentiment_score":0.38734304904937744},{"text":"And just while I have you, I'll just get you to confirm your full name, date of birth, and address, please.","start":19.065,"end":24.205,"sentiment":"neutral","sentiment_score":0.07563726958774385}],"sentiment":"neutral","sentiment_score":0.08980571410872719,"channel":0,"num_words":22,"start":18.105,"end":24.205},{"sentences":[{"text":"Yep.","start":24.465,"end":24.865,"sentiment":"neutral","sentiment_score":0.0341586135327816},{"text":"This is James Edward Medland, the 07/12/1994, and address is 3 Balen Street, Plaques Creek, Queensland 4127.","start":24.865,"end":32.21,"sentiment":"neutral","sentiment_score":0.035120391670395344}],"sentiment":"neutral","sentiment_score":0.03506695955163903,"channel":1,"num_words":18,"start":24.465,"end":32.21},{"sentences":[{"text":"Fantastic.","start":32.92,"end":33.42,"sentiment":"positive","sentiment_score":0.5210602879524231},{"text":"Thank you for that.","start":33.64,"end":34.7,"sentiment":"positive","sentiment_score":0.5672976076602936},{"text":"How are you doing today?","start":35.96,"end":37.18,"sentiment":"positive","sentiment_score":0.37444077134132386}],"sentiment":"positive","sentiment_score":0.46624545753002167,"channel":0,"num_words":10,"start":32.92,"end":37.18},{"sentences":[{"text":"Yeah.","start":37.55,"end":37.79,"sentiment":"neutral","sentiment_score":0.1264744997024536},{"text":"Well, thank you.","start":37.79,"end":38.43,"sentiment":"neutral","sentiment_score":0.22003349165121713},{"text":"How about yourself?","start":38.43,"end":39.41,"sentiment":"neutral","sentiment_score":0.19831564525763193}],"sentiment":"neutral","sentiment_score":0.1973602729184287,"channel":1,"num_words":7,"start":37.55,"end":39.41},{"sentences":[{"text":"Very good.","start":40.12,"end":40.68,"sentiment":"positive","sentiment_score":0.39690665900707245},{"text":"Thanks.","start":40.68,"end":41.18,"sentiment":"positive","sentiment_score":0.4711437225341797},{"text":"Glad it's Friday.","start":41.4,"end":42.315,"sentiment":"positive","sentiment_score":0.45296579599380493}],"sentiment":"positive","sentiment_score":0.43730907142162323,"channel":0,"num_words":6,"start":40.12,"end":42.315},{"sentences":[{"text":"Absolutely.","start":42.75,"end":43.25,"sentiment":"neutral","sentiment_score":0.21499374508857727}],"sentiment":"neutral","sentiment_score":0.21499374508857727,"channel":1,"num_words":1,"start":42.75,"end":43.25},{"sentences":[{"text":"The purpose of my call this morning is just to complete your annual review that we had scheduled in.","start":45.594997,"end":51.515,"sentiment":"neutral","sentiment_score":0.06793232379775298},{"text":"Do you still have time to do that?","start":51.515,"end":53.375,"sentiment":"neutral","sentiment_score":0.026046535465866327}],"sentiment":"neutral","sentiment_score":0.05552171984756434,"channel":0,"num_words":27,"start":45.594997,"end":53.375},{"sentences":[{"text":"I do.","start":53.475,"end":54.035,"sentiment":"neutral","sentiment_score":0.07631434127688408},{"text":"Yeah.","start":54.035,"end":54.535,"sentiment":"neutral","sentiment_score":0.1740114837884903}],"sentiment":"neutral","sentiment_score":0.10888005544741948,"channel":1,"num_words":3,"start":53.475,"end":54.535},{"sentences":[{"text":"Fantastic.","start":55.274998,"end":55.774998,"sentiment":"neutral","sentiment_score":0.3109421133995056},{"text":"Alright.","start":56.714996,"end":57.214996,"sentiment":"neutral","sentiment_score":0.18152526021003723},{"text":"So what I'm going to do is I'm going to start by running through the information that we have on file for you to make sure that it is still current and correct","start":57.99,"end":69.85,"sentiment":"neutral","sentiment_score":0.0941755362983906}],"sentiment":"neutral","sentiment_score":0.10286457347018378,"channel":0,"num_words":35,"start":55.274998,"end":69.85},{"sentences":[{"text":"Yep.","start":70.33,"end":70.83,"sentiment":"neutral","sentiment_score":0.00929213874042034}],"sentiment":"neutral","sentiment_score":0.00929213874042034,"channel":1,"num_words":1,"start":70.33,"end":70.83},{"sentences":[{"text":"because any changes can lead to alternative advice if needed.","start":71.27,"end":78.615005,"sentiment":"neutral","sentiment_score":-0.04237800016999245},{"text":"So what I'm gonna do is I'm gonna run through your personal situation at the moment.","start":79.075005,"end":85.095,"sentiment":"neutral","sentiment_score":0.011369561194442213},{"text":"I","start":85.555,"end":85.83,"sentiment":"neutral","sentiment_score":0.015928171575069427}],"sentiment":"neutral","sentiment_score":-0.00836810559310295,"channel":0,"num_words":27,"start":71.27,"end":85.83},{"sentences":[{"text":"Yep.","start":85.66499,"end":85.98,"sentiment":"neutral","sentiment_score":0.009309820830821993}],"sentiment":"neutral","sentiment_score":0.009309820830821993,"channel":1,"num_words":1,"start":85.66499,"end":85.98},{"sentences":[{"text":"have you as married to Renee.","start":85.91,"end":88.15,"sentiment":"neutral","sentiment_score":0.008651831497748693},{"text":"Is that still correct?","start":88.15,"end":89.53,"sentiment":"neutral","sentiment_score":0.024045053403824568}],"sentiment":"neutral","sentiment_score":0.014809120260179044,"channel":0,"num_words":10,"start":85.91,"end":89.53},{"sentences":[{"text":"I hope so.","start":89.82,"end":91.04,"sentiment":"neutral","sentiment_score":0.014689221357305845}],"sentiment":"neutral","sentiment_score":0.014689221357305845,"channel":1,"num_words":3,"start":89.82,"end":91.04},{"sentences":[{"text":"Pardon?","start":91.83,"end":92.33,"sentiment":"neutral","sentiment_score":-0.03011336177587509}],"sentiment":"neutral","sentiment_score":-0.03011336177587509,"channel":0,"num_words":1,"start":91.83,"end":92.33},{"sentences":[{"text":"I certainly hope so.","start":92.700005,"end":94.16,"sentiment":"neutral","sentiment_score":-0.0016537741757929325}],"sentiment":"neutral","sentiment_score":-0.0016537741757929325,"channel":1,"num_words":4,"start":92.700005,"end":94.16},{"sentences":[{"text":"Sorry.","start":95.19,"end":95.51,"sentiment":"neutral","sentiment_score":-0.06085106357932091},{"text":"It dropped out there.","start":95.51,"end":96.65,"sentiment":"neutral","sentiment_score":-0.06316305510699749}],"sentiment":"neutral","sentiment_score":-0.06270065680146217,"channel":0,"num_words":5,"start":95.19,"end":96.65},{"sentences":[{"text":"Yeah.","start":97.020004,"end":97.340004,"sentiment":"neutral","sentiment_score":-0.001895141787827015},{"text":"Yeah.","start":97.340004,"end":97.58,"sentiment":"neutral","sentiment_score":0.013079512864351273},{"text":"Definitely am.","start":97.58,"end":98.64,"sentiment":"neutral","sentiment_score":0.03623822331428528},{"text":"Absolutely.","start":99.445,"end":99.945,"sentiment":"neutral","sentiment_score":0.031775932759046555}],"sentiment":"neutral","sentiment_score":0.023087350092828272,"channel":1,"num_words":5,"start":97.020004,"end":99.945},{"sentences":[{"text":"No.","start":99.865005,"end":100.105,"sentiment":"neutral","sentiment_score":-0.017318539321422577},{"text":"An until notified otherwise.","start":100.105,"end":101.805,"sentiment":"neutral","sentiment_score":-0.026445082388818264},{"text":"I also have you having two dependents.","start":105.385,"end":107.725,"sentiment":"neutral","sentiment_score":-0.004193604258554322},{"text":"Is that right?","start":107.945,"end":108.765,"sentiment":"neutral","sentiment_score":0.014259994961321354}],"sentiment":"neutral","sentiment_score":-0.007311607586840788,"channel":0,"num_words":15,"start":99.865005,"end":108.765},{"sentences":[{"text":"Correct.","start":108.884995,"end":109.384995,"sentiment":"neutral","sentiment_score":0.01778913103044033}],"sentiment":"neutral","sentiment_score":0.01778913103044033,"channel":1,"num_words":1,"start":108.884995,"end":109.384995},{"sentences":[{"text":"Yeah.","start":110.265,"end":110.585,"sentiment":"neutral","sentiment_score":0.012006092816591265},{"text":"What's their 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brochure about those documents.","start":821.06,"end":823.87994,"sentiment":"neutral","sentiment_score":0.10194439366459847},{"text":"It gives you a bit of a price guide.","start":824.33997,"end":826.575,"sentiment":"neutral","sentiment_score":0.12484603996078174}],"sentiment":"neutral","sentiment_score":0.08527749963104725,"channel":0,"num_words":32,"start":814.57996,"end":826.575},{"sentences":[{"text":"Being in the industry for a really, really long time, the prices they charge are really, really, really reasonable compared to what I've seen in my 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those","start":846.39,"end":849.91,"sentiment":"neutral","sentiment_score":0.03711961768567562}],"sentiment":"neutral","sentiment_score":0.08404969785581617,"channel":0,"num_words":34,"start":837.055,"end":849.91},{"sentences":[{"text":"Yeah.","start":849.635,"end":850.135,"sentiment":"neutral","sentiment_score":0.025622352957725525}],"sentiment":"neutral","sentiment_score":0.025622352957725525,"channel":1,"num_words":1,"start":849.635,"end":850.135},{"sentences":[{"text":"types of things.","start":849.91,"end":850.89,"sentiment":"neutral","sentiment_score":0.026478787573675316},{"text":"So would you like me to send you through the the brochure?","start":851.43,"end":855.675,"sentiment":"neutral","sentiment_score":0.0792196939388911},{"text":"And once you and Renee have had a chance to look at it, if you want me to arrange an introduction, I can.","start":856.235,"end":861.375,"sentiment":"neutral","sentiment_score":0.09108233192692632}],"sentiment":"neutral","sentiment_score":0.08223595590281643,"channel":0,"num_words":38,"start":849.91,"end":861.375},{"sentences":[{"text":"Okay.","start":861.64996,"end":862.14996,"sentiment":"neutral","sentiment_score":0.12146205455064774}],"sentiment":"neutral","sentiment_score":0.12146205455064774,"channel":1,"num_words":1,"start":861.64996,"end":862.14996},{"sentences":[{"text":"And it can all be done virtually as well, like through emails, phone calls, those","start":862.955,"end":867.115,"sentiment":"neutral","sentiment_score":0.11225354919830959}],"sentiment":"neutral","sentiment_score":0.11225354919830959,"channel":0,"num_words":15,"start":862.955,"end":867.115},{"sentences":[{"text":"Yeah.","start":867.01495,"end":867.25494,"sentiment":"neutral","sentiment_score":0.04695172235369682}],"sentiment":"neutral","sentiment_score":0.04695172235369682,"channel":1,"num_words":1,"start":867.01495,"end":867.25494},{"sentences":[{"text":"sorts","start":867.115,"end":867.355,"sentiment":"neutral","sentiment_score":0.035065602511167526}],"sentiment":"neutral","sentiment_score":0.035065602511167526,"channel":0,"num_words":1,"start":867.115,"end":867.355},{"sentences":[{"text":"Okay.","start":867.25494,"end":867.75494,"sentiment":"neutral","sentiment_score":0.09779296815395357}],"sentiment":"neutral","sentiment_score":0.09779296815395357,"channel":1,"num_words":1,"start":867.25494,"end":867.75494},{"sentences":[{"text":"of 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a 150 per week into your offset account, are you happy to maintain that to keep reducing debt, or did you wanna look at investing it?","start":873.89,"end":884.23004,"sentiment":"neutral","sentiment_score":0.18027871463979994},{"text":"What's your perp I mean, I guess, is that what your plan is still to reduce debt?","start":884.29004,"end":890.97504,"sentiment":"neutral","sentiment_score":0.06035574032541584}],"sentiment":"neutral","sentiment_score":0.14691498679005438,"channel":0,"num_words":54,"start":870.875,"end":890.97504},{"sentences":[{"text":"Yes.","start":891.26,"end":891.66003,"sentiment":"neutral","sentiment_score":0.1032608151435852},{"text":"Just looking to","start":891.66003,"end":892.46,"sentiment":"neutral","sentiment_score":0.10428597033023834}],"sentiment":"neutral","sentiment_score":0.10402968153357506,"channel":1,"num_words":4,"start":891.26,"end":892.46},{"sentences":[{"text":"Yep.","start":892.315,"end":892.815,"sentiment":"neutral","sentiment_score":0.1667984426021576}],"sentiment":"neutral","sentiment_score":0.1667984426021576,"channel":0,"num_words":1,"start":892.315,"end":892.815},{"sentences":[{"text":"to get that home loan right then.","start":892.46,"end":894.24,"sentiment":"neutral","sentiment_score":0.18235682802540915}],"sentiment":"neutral","sentiment_score":0.18235682802540915,"channel":1,"num_words":7,"start":892.46,"end":894.24},{"sentences":[{"text":"Fantastic.","start":894.875,"end":895.375,"sentiment":"positive","sentiment_score":0.7336722612380981},{"text":"Beautiful.","start":895.835,"end":896.335,"sentiment":"positive","sentiment_score":0.671779990196228},{"text":"Alright.","start":897.03503,"end":897.53503,"sentiment":"neutral","sentiment_score":0.2125539630651474},{"text":"Do you have access to your emails","start":897.835,"end":900.17,"sentiment":"neutral","sentiment_score":0.05571919253894261}],"sentiment":"neutral","sentiment_score":0.20080405622720718,"channel":0,"num_words":10,"start":894.875,"end":900.17},{"sentences":[{"text":"I","start":900.44495,"end":900.605,"sentiment":"neutral","sentiment_score":0.05344555154442787}],"sentiment":"neutral","sentiment_score":0.05344555154442787,"channel":1,"num_words":1,"start":900.44495,"end":900.605},{"sentences":[{"text":"at","start":900.48,"end":900.98,"sentiment":"neutral","sentiment_score":0.06046108156442642}],"sentiment":"neutral","sentiment_score":0.06046108156442642,"channel":0,"num_words":1,"start":900.48,"end":900.98},{"sentences":[{"text":"do.","start":900.605,"end":900.925,"sentiment":"neutral","sentiment_score":0.07426051795482635},{"text":"Yes.","start":900.925,"end":901.425,"sentiment":"neutral","sentiment_score":0.04580751806497574}],"sentiment":"neutral","sentiment_score":0.06003401800990105,"channel":1,"num_words":2,"start":900.605,"end":901.425},{"sentences":[{"text":"all?","start":901.29,"end":901.79,"sentiment":"neutral","sentiment_score":0.05072639882564545},{"text":"Yeah.","start":902.1,"end":902.58,"sentiment":"neutral","sentiment_score":0.0516289547085762},{"text":"So you would have received an email just recently from.","start":902.58,"end":906.2,"sentiment":"neutral","sentiment_score":0.05200599394738674},{"text":"That's come from me.","start":910.58,"end":912.12,"sentiment":"neutral","sentiment_score":0.07676993869245052}],"sentiment":"neutral","sentiment_score":0.0580934404861182,"channel":0,"num_words":16,"start":901.29,"end":912.12},{"sentences":[{"text":"Yep.","start":912.61,"end":913.11,"sentiment":"neutral","sentiment_score":0.11273889243602753}],"sentiment":"neutral","sentiment_score":0.11273889243602753,"channel":1,"num_words":1,"start":912.61,"end":913.11},{"sentences":[{"text":"It is your review pack.","start":913.175,"end":914.875,"sentiment":"neutral","sentiment_score":0.14029472917318345},{"text":"And when you open the email, there's an option in there that says a button, I believe, that says sign.","start":915.33496,"end":921.995,"sentiment":"neutral","sentiment_score":0.06279656905680894},{"text":"If you open that, it'll bring up your review pack.","start":922.375,"end":924.855,"sentiment":"neutral","sentiment_score":0.0642340611666441},{"text":"You're not signing anything right now.","start":924.855,"end":926.81006,"sentiment":"neutral","sentiment_score":-0.13256488367915154},{"text":"We're just gonna talk through it.","start":926.81006,"end":928.75,"sentiment":"neutral","sentiment_score":0.05162126074234644}],"sentiment":"neutral","sentiment_score":0.044980508532929925,"channel":0,"num_words":47,"start":913.175,"end":928.75},{"sentences":[{"text":"And then at the end, if you're comfortable or if you've got any questions or you need some time, we'll get you to sign the documents required then.","start":929.37006,"end":935.79004,"sentiment":"neutral","sentiment_score":0.0720792966229575}],"sentiment":"neutral","sentiment_score":0.0720792966229575,"channel":0,"num_words":28,"start":929.37006,"end":935.79004},{"sentences":[{"text":"Yep.","start":936.09503,"end":936.495,"sentiment":"neutral","sentiment_score":0.09956424683332445},{"text":"No worries.","start":936.495,"end":937.11,"sentiment":"neutral","sentiment_score":0.12963908910751343}],"sentiment":"neutral","sentiment_score":0.11961414168278377,"channel":1,"num_words":3,"start":936.09503,"end":937.11},{"sentences":[{"text":"So the first document is just a overview summary of what you have.","start":938.25,"end":943.35504,"sentiment":"neutral","sentiment_score":0.10463780105167714},{"text":"So you've got your hub twenty four account at a 94000 1 And 60, and you've got your life and TPD insurance with ClearView funded through your superannuation fund.","start":943.35504,"end":957.45,"sentiment":"neutral","sentiment_score":0.055292975864019885},{"text":"So it costs $290 per annum rounded up.","start":957.45,"end":961.31,"sentiment":"neutral","sentiment_score":0.029214912559837103}],"sentiment":"neutral","sentiment_score":0.06395014028414153,"channel":0,"num_words":50,"start":938.25,"end":961.31},{"sentences":[{"text":"Yep.","start":961.485,"end":961.985,"sentiment":"neutral","sentiment_score":0.015122907236218452}],"sentiment":"neutral","sentiment_score":0.015122907236218452,"channel":1,"num_words":1,"start":961.485,"end":961.985},{"sentences":[{"text":"The two things that I note, being self employed, you don't have income protection cover.","start":962.01,"end":969.385,"sentiment":"neutral","sentiment_score":-0.20976124852895736},{"text":"Is there a reason for that?","start":970.725,"end":973.065,"sentiment":"neutral","sentiment_score":-0.1506765608986219}],"sentiment":"neutral","sentiment_score":-0.19287990920600437,"channel":0,"num_words":21,"start":962.01,"end":973.065},{"sentences":[{"text":"It's not something that's been on my radar before, I guess, is","start":976.99,"end":980.11,"sentiment":"neutral","sentiment_score":-0.22064648444453874}],"sentiment":"neutral","sentiment_score":-0.22064648444453874,"channel":1,"num_words":12,"start":976.99,"end":980.11},{"sentences":[{"text":"Okay.","start":980.085,"end":980.585,"sentiment":"neutral","sentiment_score":-0.1151636689901352}],"sentiment":"neutral","sentiment_score":-0.1151636689901352,"channel":0,"num_words":1,"start":980.085,"end":980.585},{"sentences":[{"text":"probably what","start":980.11,"end":980.93,"sentiment":"neutral","sentiment_score":-0.1250845566391945}],"sentiment":"neutral","sentiment_score":-0.1250845566391945,"channel":1,"num_words":2,"start":980.11,"end":980.93},{"sentences":[{"text":"Yep.","start":981.125,"end":981.625,"sentiment":"neutral","sentiment_score":-0.13390684127807617}],"sentiment":"neutral","sentiment_score":-0.13390684127807617,"channel":0,"num_words":1,"start":981.125,"end":981.625},{"sentences":[{"text":"why it's not 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a","start":1000.23505,"end":1007.335,"sentiment":"neutral","sentiment_score":0.0432051890774777}],"sentiment":"neutral","sentiment_score":0.004967182917996894,"channel":0,"num_words":43,"start":989.76996,"end":1007.335},{"sentences":[{"text":"Yep.","start":1007.53,"end":1008.03,"sentiment":"neutral","sentiment_score":-0.028864935040473935}],"sentiment":"neutral","sentiment_score":-0.028864935040473935,"channel":1,"num_words":1,"start":1007.53,"end":1008.03},{"sentences":[{"text":"work cover policy, I guess, for employees, but that's only covers them at work.","start":1007.91504,"end":1013.38995,"sentiment":"neutral","sentiment_score":-0.030909568778172667},{"text":"So an income protection policy will cover up to 70% of your taxable income.","start":1013.69,"end":1019.38995,"sentiment":"neutral","sentiment_score":0.015895831265619824},{"text":"So that would be the 70,000 that you pay yourself,","start":1019.76996,"end":1022.50995,"sentiment":"neutral","sentiment_score":-0.04410908780992031}],"sentiment":"neutral","sentiment_score":-0.01713903166513008,"channel":0,"num_words":38,"start":1007.91504,"end":1022.50995},{"sentences":[{"text":"Mhmm.","start":1023.08496,"end":1023.54,"sentiment":"neutral","sentiment_score":-0.09938983619213104}],"sentiment":"neutral","sentiment_score":-0.09938983619213104,"channel":1,"num_words":1,"start":1023.08496,"end":1023.54},{"sentences":[{"text":"and you're covered for injury or illness twenty four hours a day, seven days a week.","start":1024.1699,"end":1029.895,"sentiment":"neutral","sentiment_score":-0.15435724100098014},{"text":"Now being self employed, I think it's critical you have this cover because if you were unable to work due to injury or illness, you're gonna lose your income.","start":1029.895,"end":1040.0701,"sentiment":"neutral","sentiment_score":-0.29608702813756876}],"sentiment":"neutral","sentiment_score":-0.24569421493344837,"channel":0,"num_words":45,"start":1024.1699,"end":1040.0701},{"sentences":[{"text":"Yeah.","start":1041.265,"end":1041.765,"sentiment":"neutral","sentiment_score":-0.0838150903582573}],"sentiment":"neutral","sentiment_score":-0.0838150903582573,"channel":1,"num_words":1,"start":1041.265,"end":1041.765},{"sentences":[{"text":"So the next step from that down is is two things called a waiting period and a benefit period.","start":1042.61,"end":1049.99,"sentiment":"neutral","sentiment_score":-0.01679331436753273},{"text":"A waiting period, I like to explain as a car excess.","start":1050.4501,"end":1053.975,"sentiment":"neutral","sentiment_score":-0.024890219623392277},{"text":"If you liken it to that, it's the number of days you have to be off work consecutively before you can claim.","start":1054.995,"end":1061.975,"sentiment":"neutral","sentiment_score":-0.0820790466598489},{"text":"So that the minimum being thirty days, and then from there on up, it goes sixty and ninety.","start":1062.4349,"end":1069.57,"sentiment":"neutral","sentiment_score":-0.05448363038400809},{"text":"So depending on and then, obviously, more after that, but they're not very popular.","start":1069.57,"end":1073.83,"sentiment":"neutral","sentiment_score":-0.1804432145186833}],"sentiment":"neutral","sentiment_score":-0.07030374720870029,"channel":0,"num_words":84,"start":1042.61,"end":1073.83},{"sentences":[{"text":"So if you have sufficient savings or redraw in your home loan, you might be able to last a longer waiting period.","start":1075.65,"end":1084.485,"sentiment":"neutral","sentiment_score":-0.04943077808076685},{"text":"But because those those waiting periods do obviously impact the the premium of the policy.","start":1085.185,"end":1094.085,"sentiment":"neutral","sentiment_score":-0.21273838579654694},{"text":"The next section is the benefit period.","start":1095.16,"end":1097.5,"sentiment":"neutral","sentiment_score":-0.008158433118036814},{"text":"This dictates how men how much time you can be paid on based on an injury or illness.","start":1098.52,"end":1105.98,"sentiment":"neutral","sentiment_score":-0.02456881892349985},{"text":"They start at two years, five years, and to age 65 being the average standard average standard retirement date.","start":1107.24,"end":1115.905,"sentiment":"neutral","sentiment_score":0.11695441799728494}],"sentiment":"neutral","sentiment_score":-0.03155267574352982,"channel":0,"num_words":81,"start":1075.65,"end":1115.905},{"sentences":[{"text":"So I strongly, strongly recommend that we look at this cover for you.","start":1117.405,"end":1123.84,"sentiment":"positive","sentiment_score":0.5575224206997798},{"text":"And the and, additionally, there's two options for payment.","start":1126.14,"end":1129.98,"sentiment":"neutral","sentiment_score":0.24895192517174614},{"text":"You can pay it through your super fund the same way that your life and TPD is funded, or you can pay it through your personal cash flow, and it can be claimed as a personal tax deduction.","start":1129.98,"end":1140.765,"sentiment":"neutral","sentiment_score":0.2547340616583824},{"text":"So it's really a preference as to, you know, do you get typically get a tax bill?","start":1141.385,"end":1147.0651,"sentiment":"neutral","sentiment_score":0.22302701280397527},{"text":"Do you want the tax deduction?","start":1147.0651,"end":1147.1736,"sentiment":"neutral","sentiment_score":0.10095913708209991}],"sentiment":"neutral","sentiment_score":0.28392129131110316,"channel":0,"num_words":83,"start":1117.405,"end":1147.1736},{"sentences":[{"text":"Do you want it paid through super?","start":1147.1736,"end":1147.2135,"sentiment":"neutral","sentiment_score":0.06435736215540341},{"text":"Kind of guided by","start":1147.2135,"end":1148.19,"sentiment":"neutral","sentiment_score":0.05336372181773186}],"sentiment":"neutral","sentiment_score":0.06035967475988648,"channel":0,"num_words":11,"start":1147.1736,"end":1148.19},{"sentences":[{"text":"Yeah.","start":1161.135,"end":1161.635,"sentiment":"neutral","sentiment_score":0.07810652256011963}],"sentiment":"neutral","sentiment_score":0.07810652256011963,"channel":1,"num_words":1,"start":1161.135,"end":1161.635},{"sentences":[{"text":"well 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one second.","start":1172.12,"end":1173.1799,"sentiment":"neutral","sentiment_score":-0.08538755277792613}],"sentiment":"neutral","sentiment_score":-0.08408113569021225,"channel":1,"num_words":4,"start":1171.7999,"end":1173.1799},{"sentences":[{"text":"No.","start":1173.985,"end":1174.1449,"sentiment":"neutral","sentiment_score":-0.22351305186748505},{"text":"You're absolutely fine.","start":1174.1449,"end":1175.53,"sentiment":"neutral","sentiment_score":-0.11429672688245773}],"sentiment":"neutral","sentiment_score":-0.14160080812871456,"channel":0,"num_words":4,"start":1173.985,"end":1175.53},{"sentences":[{"text":"Can you still hear me?","start":1182.0449,"end":1183.1849,"sentiment":"neutral","sentiment_score":-0.06735564023256302}],"sentiment":"neutral","sentiment_score":-0.06735564023256302,"channel":1,"num_words":5,"start":1182.0449,"end":1183.1849},{"sentences":[{"text":"Yes.","start":1183.6699,"end":1183.9099,"sentiment":"neutral","sentiment_score":0.0228900033980608},{"text":"I 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just put you over to to some hedge funds so I can keep working.","start":1193.68,"end":1199.14,"sentiment":"neutral","sentiment_score":0.03359098633130391}],"sentiment":"neutral","sentiment_score":0.024805082556079414,"channel":1,"num_words":17,"start":1193.2001,"end":1199.14},{"sentences":[{"text":"Oh, you're fine.","start":1199.045,"end":1200.825,"sentiment":"neutral","sentiment_score":0.1950031816959381},{"text":"I'll try and not take up too much of your time.","start":1200.93,"end":1203.1101,"sentiment":"neutral","sentiment_score":-0.05610300735993819}],"sentiment":"neutral","sentiment_score":-0.002294538276536124,"channel":0,"num_words":14,"start":1199.045,"end":1203.1101},{"sentences":[{"text":"No.","start":1203.76,"end":1203.92,"sentiment":"neutral","sentiment_score":-0.30784541368484497},{"text":"No.","start":1203.92,"end":1204.0801,"sentiment":"negative","sentiment_score":-0.3463748097419739},{"text":"That's all good.","start":1204.0801,"end":1204.98,"sentiment":"neutral","sentiment_score":-0.15054881076018015},{"text":"So if I was to do it, I'd do it through the superannuation, I think.","start":1206.775,"end":1211.035,"sentiment":"neutral","sentiment_score":-0.09192503839731217}],"sentiment":"neutral","sentiment_score":-0.12423711158335209,"channel":1,"num_words":20,"start":1203.76,"end":1211.035},{"sentences":[{"text":"Yep.","start":1211.4901,"end":1211.81,"sentiment":"neutral","sentiment_score":0.2275538444519043},{"text":"That's absolutely fine.","start":1211.81,"end":1213.245,"sentiment":"positive","sentiment_score":0.41548238197962445},{"text":"What I'm going to do is that's gonna be my homework to do to investigate further for you along with your ethical options within 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kind","start":1248.9451,"end":1249.5851,"sentiment":"neutral","sentiment_score":0.11517631510893504}],"sentiment":"neutral","sentiment_score":0.11475791849873283,"channel":0,"num_words":11,"start":1245.505,"end":1249.5851},{"sentences":[{"text":"Yeah.","start":1249.58,"end":1250.08,"sentiment":"neutral","sentiment_score":0.10766437649726868}],"sentiment":"neutral","sentiment_score":0.10766437649726868,"channel":1,"num_words":1,"start":1249.58,"end":1250.08},{"sentences":[{"text":"of like a stop a stop gap between your income protection and your TPD where it it would it's a lump sum tax free just to get you through the recuperation period.","start":1249.5851,"end":1264.0801,"sentiment":"neutral","sentiment_score":0.14914826408494264},{"text":"Typically, with a trauma claim, we see that clients aren't terminal.","start":1264.14,"end":1267.36,"sentiment":"neutral","sentiment_score":0.07626875252886252},{"text":"They're just they've had a a diagnosis, and it's more about recovering and the financial impact that has as opposed to the income protection side of things where you're probably likely to be off work for a longer term.","start":1267.755,"end":1284.39,"sentiment":"neutral","sentiment_score":-0.20085346011015084}],"sentiment":"neutral","sentiment_score":-0.02709249043610038,"channel":0,"num_words":82,"start":1249.5851,"end":1284.39},{"sentences":[{"text":"Yeah.","start":1285.095,"end":1285.495,"sentiment":"neutral","sentiment_score":-0.1475074589252472},{"text":"Okay.","start":1285.495,"end":1285.995,"sentiment":"neutral","sentiment_score":-0.2037077248096466},{"text":"I'm not interested in that one.","start":1286.775,"end":1288.795,"sentiment":"negative","sentiment_score":-0.5465403695901235}],"sentiment":"negative","sentiment_score":-0.45380717515945435,"channel":1,"num_words":8,"start":1285.095,"end":1288.795},{"sentences":[{"text":"Beautiful.","start":1289.41,"end":1289.91,"sentiment":"neutral","sentiment_score":0.1043119952082634},{"text":"That's absolutely 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condition, cardiomyopathy or diabetes","start":2141.5698,"end":2149.355,"sentiment":"neutral","sentiment_score":-0.04272615226606528}],"sentiment":"neutral","sentiment_score":-0.04272615226606528,"channel":0,"num_words":6,"start":2141.5698,"end":2149.355},{"sentences":[{"text":"No.","start":2150.2349,"end":2150.635,"sentiment":"neutral","sentiment_score":-0.04535059258341789},{"text":"No.","start":2150.635,"end":2151.135,"sentiment":"neutral","sentiment_score":-0.0472593791782856}],"sentiment":"neutral","sentiment_score":-0.046304985880851746,"channel":1,"num_words":2,"start":2150.2349,"end":2151.135},{"sentences":[{"text":"or anything else that you can think 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me?","start":2163.24,"end":2165.98,"sentiment":"neutral","sentiment_score":0.047139608301222324},{"text":"Yep.","start":2171.24,"end":2171.74,"sentiment":"neutral","sentiment_score":0.06943441927433014}],"sentiment":"neutral","sentiment_score":0.13124743793849591,"channel":0,"num_words":27,"start":2155.735,"end":2171.74},{"sentences":[{"text":"Okay.","start":2172.2,"end":2172.6,"sentiment":"neutral","sentiment_score":0.08761454373598099},{"text":"So what I'm gonna do is I'm gonna go away and look at those ethical options for you, have a look at the income protection.","start":2172.6,"end":2178.915,"sentiment":"neutral","sentiment_score":0.07389830708503724},{"text":"What I would say is in about two weeks' time, we would have we would have to book in a time to present any changes.","start":2180.815,"end":2190.515,"sentiment":"neutral","sentiment_score":0.06948422983288766},{"text":"So the investment options and the, options and the income 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I'm working.","start":2212.18,"end":2213.3801,"sentiment":"neutral","sentiment_score":0.12838632315397264},{"text":"No problem.","start":2213.3801,"end":2214.04,"sentiment":"neutral","sentiment_score":0.12741205096244812}],"sentiment":"neutral","sentiment_score":0.12810795967067992,"channel":1,"num_words":7,"start":2212.18,"end":2214.04},{"sentences":[{"text":"Alright.","start":2214.785,"end":2215.1848,"sentiment":"neutral","sentiment_score":0.1159140095114708},{"text":"Is there any day of the week that's best for you?","start":2215.1848,"end":2217.345,"sentiment":"neutral","sentiment_score":0.07898508046161044},{"text":"Is it a Friday?","start":2217.345,"end":2218.2449,"sentiment":"neutral","sentiment_score":0.026013977825641632}],"sentiment":"neutral","sentiment_score":0.06805036286823452,"channel":0,"num_words":16,"start":2214.785,"end":2218.2449},{"sentences":[{"text":"Yeah.","start":2222.4202,"end":2222.82,"sentiment":"neutral","sentiment_score":0.08043977618217468},{"text":"We we can work on a Friday.","start":2222.82,"end":2223.94,"sentiment":"neutral","sentiment_score":0.11110217549971171},{"text":"That's no problem.","start":2223.94,"end":2224.84,"sentiment":"neutral","sentiment_score":0.21801467736562094}],"sentiment":"neutral","sentiment_score":0.13747263970700177,"channel":1,"num_words":11,"start":2222.4202,"end":2224.84},{"sentences":[{"text":"Yeah.","start":2225.76,"end":2226.26,"sentiment":"neutral","sentiment_score":0.03097851201891899},{"text":"I mean, I can do any any any day.","start":2227.04,"end":2231.62,"sentiment":"neutral","sentiment_score":0.1275003742840555},{"text":"I 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fluctuate quite a bit depending on the the week and the day we're","start":2237.925,"end":2242.18,"sentiment":"neutral","sentiment_score":-0.06644133455120027}],"sentiment":"neutral","sentiment_score":-0.06644133455120027,"channel":1,"num_words":16,"start":2237.925,"end":2242.18},{"sentences":[{"text":"yeah.","start":2241.985,"end":2242.485,"sentiment":"neutral","sentiment_score":-0.030040383338928223}],"sentiment":"neutral","sentiment_score":-0.030040383338928223,"channel":0,"num_words":1,"start":2241.985,"end":2242.485},{"sentences":[{"text":"doing quotes and all that.","start":2242.18,"end":2243.1401,"sentiment":"neutral","sentiment_score":-0.03549193665385246},{"text":"So, yeah, there's no full structure to it.","start":2243.1401,"end":2245.1401,"sentiment":"neutral","sentiment_score":-0.044935135869309306},{"text":"So if we just call it a Friday, that's fine.","start":2245.1401,"end":2247.08,"sentiment":"neutral","sentiment_score":0.026684658229351045}],"sentiment":"neutral","sentiment_score":-0.011743225562183754,"channel":1,"num_words":23,"start":2242.18,"end":2247.08},{"sentences":[{"text":"Okay.","start":2247.8,"end":2248.3,"sentiment":"neutral","sentiment_score":0.02612433396279812},{"text":"What about Friday, the twenty fifth?","start":2248.44,"end":2250.78,"sentiment":"neutral","sentiment_score":0.016581876513858635},{"text":"Would you like around the same time, 09:00?","start":2252.3599,"end":2254.78,"sentiment":"neutral","sentiment_score":0.016368533135391772}],"sentiment":"neutral","sentiment_score":0.017104257208605606,"channel":0,"num_words":15,"start":2247.8,"end":2254.78},{"sentences":[{"text":"Twenty fifth at nine.","start":2256.875,"end":2258.495,"sentiment":"neutral","sentiment_score":0.01260432880371809},{"text":"Actually, I do know where I'll be then.","start":2260.155,"end":2261.595,"sentiment":"neutral","sentiment_score":0.04193747090175748},{"text":"That's fine.","start":2261.595,"end":2261.915,"sentiment":"neutral","sentiment_score":0.11414388194680214},{"text":"Yes.","start":2261.915,"end":2262.155,"sentiment":"neutral","sentiment_score":0.16912394762039185},{"text":"That'll work 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and","start":2265.2952,"end":2270.115,"sentiment":"positive","sentiment_score":0.397709325949351}],"sentiment":"positive","sentiment_score":0.41486212085275087,"channel":0,"num_words":17,"start":2263.7751,"end":2270.115},{"sentences":[{"text":"Yep.","start":2269.89,"end":2270.39,"sentiment":"neutral","sentiment_score":0.29886913299560547}],"sentiment":"neutral","sentiment_score":0.29886913299560547,"channel":1,"num_words":1,"start":2269.89,"end":2270.39},{"sentences":[{"text":"we will speak then and get these things sorted for you.","start":2270.2551,"end":2274.915,"sentiment":"positive","sentiment_score":0.45573629574342206}],"sentiment":"positive","sentiment_score":0.45573629574342206,"channel":0,"num_words":11,"start":2270.2551,"end":2274.915},{"sentences":[{"text":"Awesome.","start":2275.41,"end":2275.89,"sentiment":"positive","sentiment_score":0.7513121366500854},{"text":"Thank you very much.","start":2275.89,"end":2276.95,"sentiment":"positive","sentiment_score":0.7944848835468292}],"sentiment":"positive","sentiment_score":0.7858503341674805,"channel":1,"num_words":5,"start":2275.41,"end":2276.95},{"sentences":[{"text":"Thank you for your time, and I look forward to speaking to you then.","start":2277.455,"end":2280.5498,"sentiment":"positive","sentiment_score":0.7860346010753086},{"text":"Enjoy your weekend.","start":2280.5498,"end":2281.45,"sentiment":"positive","sentiment_score":0.6659333904584249}],"sentiment":"positive","sentiment_score":0.7648402697899762,"channel":0,"num_words":17,"start":2277.455,"end":2281.45},{"sentences":[{"text":"Thank you.","start":2282.555,"end":2283.375,"sentiment":"positive","sentiment_score":0.5402044057846069}],"sentiment":"positive","sentiment_score":0.5402044057846069,"channel":1,"num_words":2,"start":2282.555,"end":2283.375},{"sentences":[{"text":"Okay.","start":2283.5898,"end":2284.0898,"sentiment":"neutral","sentiment_score":0.24957436323165896},{"text":"Bye.","start":2284.23,"end":2284.73,"sentiment":"neutral","sentiment_score":0.16423501074314115}],"sentiment":"neutral","sentiment_score":0.20690468698740005,"channel":0,"num_words":2,"start":2283.5898,"end":2284.73}]},"summary":{"result":"success","short":"Representatives from Oakview Financial speak with a customer, James, about his personal information, employment, debt, health and lifestyle goals, and retirement goals. They discuss his retirement goals and health and lifestyle goals, including his home value, dependents, and income. The representatives offer financial and retirement goals, suggest budget goals, and provide brochures and prices for the customer's portfolio. They also discuss payment options, insurance coverage, and the importance of insurance coverage. The customer is advised to consider a greener future, and the representatives explain the process of income protection and benefits. They schedule a call for the customer to discuss their financial options and income protection, and clarify their personal information and health conditions."},"intents":{"segments":[{"text":"And just while I have you, I'll just get you to confirm your full name, date of birth, and address, please. Yep.","start_word":56,"end_word":77,"intents":[{"intent":"Confirm name","confidence_score":0.023123529},{"intent":"Confirm date of birth","confidence_score":0.3783793},{"intent":"Confirm date of birth","confidence_score":0.09055317},{"intent":"Confirm date of birth","confidence_score":0.14109923},{"intent":"Confirm identity","confidence_score":0.018757828}]},{"text":"The purpose of my call this morning is just to complete your annual review that we had scheduled in. Do you still have time to do that? I do.","start_word":119,"end_word":147,"intents":[{"intent":"Complete annual review","confidence_score":0.055188518}]},{"text":"have you as married to Renee. Is that still correct?","start_word":213,"end_word":222,"intents":[{"intent":"Verify marital status","confidence_score":0.0014462675}]},{"text":"And how old are they? 10 and eight.","start_word":266,"end_word":273,"intents":[{"intent":"Verify age","confidence_score":0.0019870999}]},{"text":"From an employment and income perspective, I have your employment occupation down as director and caravan and boat detailer. Is that right? Correct. Yep.","start_word":352,"end_word":375,"intents":[{"intent":"Confirm employment","confidence_score":0.007068302}]},{"text":"So I've I've got a new vehicle, but it's registered under the business. Mhmm.","start_word":693,"end_word":706,"intents":[{"intent":"Record vehicle information","confidence_score":0.009949286}]},{"text":"That's only a recent recent purchase, so it would be, yeah, close to the $70,000 mark. Actually, it's probably Yep. around 68,000 at the moment.","start_word":783,"end_word":807,"intents":[{"intent":"Determine debt amount","confidence_score":0.028947376}]},{"text":"Do you take any medication at all? No.","start_word":932,"end_word":939,"intents":[{"intent":"Confirm medical records","confidence_score":0.0043828236}]},{"text":"Alright. I'm gonna jump up to what your goals and objectives were last time you had a review.","start_word":1004,"end_word":1021,"intents":[{"intent":"End conversation","confidence_score":0.0049543697}]},{"text":"With retirement, we have here a retirement goal of it's a lifestyle and travel around Australia goal. You don't wanna you do want to improve your camping setup and purchase a camping trailer. Apart that, you haven't really thought about retirement itself. Still correct? Yes.","start_word":1109,"end_word":1153,"intents":[{"intent":"Build retirement goals","confidence_score":0.08434138}]},{"text":"You did mention that you'd like some ethical investments because your wife is studying to be a ecological scientist. Is that still something that you're wanting, or are you more looking towards gross options to make sure that your portfolio not that they wouldn't the ethical options don't perform, but I guess I'm probably trying to understand that a bit better from you. Yeah.","start_word":1477,"end_word":1540,"intents":[{"intent":"Determine ethical investments","confidence_score":0.0005553406}]},{"text":"What I can do is we work with a professional partner. I can send you through a brochure about those documents. It gives you a bit of a price guide. Being in the industry for a really, really long time, the prices they charge are really, really, really reasonable compared to what I've seen in my time. Okay.","start_word":1730,"end_word":1787,"intents":[{"intent":"Send brochure","confidence_score":0.34821773}]},{"text":"So with that surplus cash flow at the moment, a 150 per week into your offset account, are you happy to maintain that to keep reducing debt, or did you wanna look at investing it?","start_word":1894,"end_word":1928,"intents":[{"intent":"Discuss savings and plans","confidence_score":0.00007472946}]},{"text":"And when you open the email, there's an option in there that says a button, I believe, that says sign. If you open that, it'll bring up your review pack. You're not signing anything right now. We're just gonna talk through it. And then at the end, if you're comfortable or if you've got any questions or you need some time, we'll get you to sign the documents required then.","start_word":1994,"end_word":2063,"intents":[{"intent":"Sign documents","confidence_score":0.021835001}]},{"text":"The two things that I note, being self employed, you don't have income protection cover. Is there a reason for that?","start_word":2118,"end_word":2138,"intents":[{"intent":"Clarify policy coverage","confidence_score":0.0121857645}]},{"text":"They're just they've had a a diagnosis, and it's more about recovering and the financial impact that has as opposed to the income protection side of things where you're probably likely to be off work for a longer term. Yeah.","start_word":2779,"end_word":2818,"intents":[{"intent":"Analyze financial impact","confidence_score":0.14154316}]},{"text":"So what that means is 90% of your superannuation in the top four, your US shares, Australian shares, international shares, and property. So you can see Yep. the volatility that those sectors experience with your Yep. remaining 10% in the Australian bonds and cash, which provides a little bit of growth over the long term, but it's more an income producing defensive asset. Yeah. Okay.","start_word":3220,"end_word":3284,"intents":[{"intent":"Assess superannuation coverage","confidence_score":0.0010911355}]},{"text":"Any questions? Yep.","start_word":3571,"end_word":3573,"intents":[{"intent":"Ask questions about fees","confidence_score":0.0000028795066}]},{"text":"What percentage of your daily routine or duties involve a manual component? In terms of work and personal?","start_word":3777,"end_word":3794,"intents":[{"intent":"Determine job tasks and procedures","confidence_score":2.9235212e-8}]},{"text":"Do you intend on seeing a doctor for anything, any test investigation or surgery at the at No. the moment?","start_word":4505,"end_word":4524,"intents":[{"intent":"Book appointment with a doctor","confidence_score":0.00030724282}]},{"text":"I mean, I can do any any any day. I just Yeah. whatever's best for you. That's that's gonna ask you. No. Not not really I our calendar does fluctuate quite a bit depending on the the week and the day we're yeah. doing quotes and all that. So, yeah, there's no full structure to it. So if we just call it a Friday, that's fine. Okay.","start_word":4787,"end_word":4853,"intents":[{"intent":"Schedule and arrange meeting","confidence_score":0.005084955}]}]},"sentiments":{"segments":[{"text":"Hello. Dan Hi, James. It's Jenna here phoning from Oakview Financial. How are you today? speaking. Yeah.","start_word":0,"end_word":16,"sentiment":"neutral","sentiment_score":0.09408599883317947},{"text":"I'm very well. How are you? I'm good. Thanks.","start_word":17,"end_word":25,"sentiment":"positive","sentiment_score":0.4317717254161834},{"text":"Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Not a worry.","start_word":26,"end_word":54,"sentiment":"neutral","sentiment_score":0.054971955716609955},{"text":"Beautiful.","start_word":55,"end_word":55,"sentiment":"positive","sentiment_score":0.38734304904937744},{"text":"And just while I have you, I'll just get you to confirm your full name, date of birth, and address, please. Yep. This is James Edward Medland, the 07/12/1994, and address is 3 Balen Street, Plaques Creek, Queensland 4127.","start_word":56,"end_word":94,"sentiment":"neutral","sentiment_score":0.05286682769656181},{"text":"Fantastic. Thank you for that. How are you doing today?","start_word":95,"end_word":104,"sentiment":"positive","sentiment_score":0.4721921682357788},{"text":"Yeah. Well, thank you. How about yourself?","start_word":105,"end_word":111,"sentiment":"neutral","sentiment_score":0.19656021893024445},{"text":"Very good. Thanks. Glad it's Friday.","start_word":112,"end_word":117,"sentiment":"positive","sentiment_score":0.4329858422279358},{"text":"Absolutely. The purpose of my call this morning is just to complete your annual review that we had scheduled in. Do you still have time to do that? I do. Yeah. Fantastic. Alright. So what I'm going to do is I'm going to start by running through the information that we have on file for you to make sure that it is still current and correct Yep. because any changes can lead to alternative advice if needed. So what I'm gonna do is I'm gonna run through your personal situation at the moment. I Yep. have you as married to Renee. Is that still correct? I hope so. Pardon? I certainly hope so. Sorry. It dropped out there. Yeah. Yeah. Definitely am. Absolutely. No. An until notified otherwise. I also have you having two dependents. Is that right? Correct. Yeah. What's their name? Elizabeth and Penelope. Oh, beautiful. And how old are they? 10 and eight. Oh, wow. Good ages. Yes. We like it. But they they fight a lot. Oh, I've got a girl and a boy, and they fight a lot too. So Yeah. I I don't think think that might it's be any worse than two girls. my girl's 10. And at the moment, the only thing I get out of her when I ask a question is, mhmm, and it is driving me insane. Yes, ma'am. Yes, it would. Alright. From an employment and income perspective, I have your employment occupation down as director and caravan and boat detailer. Is that right? Correct. Yep. Are you self employed or employed? Self employed. Self employed. And how many hours per week do you roughly work? Forty is probably the the round figure. Yep. Yep. And how long have you been self employed for? That'll be fourteen months, I think, it's what we've been.","start_word":118,"end_word":423,"sentiment":"neutral","sentiment_score":-0.027658330057473743},{"text":"Beautiful.","start_word":424,"end_word":424,"sentiment":"positive","sentiment_score":0.3786196708679199},{"text":"And your business is still called CJS Specialized Detailing? Yes. That's correct.","start_word":425,"end_word":436,"sentiment":"neutral","sentiment_score":0.15551400184631348},{"text":"Fantastic.","start_word":437,"end_word":437,"sentiment":"positive","sentiment_score":0.611831784248352},{"text":"I have your income down as 70,000. Is that is that right? Yes. Correct. Alright. And your expenditure, so living expenses excluding mortgage or any other debt is $3.50. Would that be correct or more? Is that a weekly? Yeah. Probably somewhere look. If we just move it up to 500, it's probably more of an 5 accurate figure 100? nowadays. Yeah. Yep. And are you managing to have do any savings per week? Yes. Yes is probably the correct answer there. It's Yeah. just put directly towards the the mortgage, I guess, Yeah. as in in into the mortgage account rather than being held Okay. in a savings account. So okay. So, like, your offset or just Yeah. directly into Yeah. the mortgage? Offsets. Yep. How much per week do you reckon you put into Yeah. That Just is roughly. $150 a week. Beautiful. And are you paying yourself super? Yes. Beautiful. The 12%? Yes. Correct. Okay. Any additional amounts or just No. the 12%? Just the Yep. twelfth. Yeah. Beautiful. Your home, we have valued here at 425,000. Do you that's still accurate? No. I think it has racing. And the last time I looked, it was near the $800,000 mark. Oh, beautiful. And we have debt of 196. No. That will have reduced, but give me two seconds. Yep. I can give you that number.","start_word":438,"end_word":665,"sentiment":"neutral","sentiment_score":0.041916538029909134},{"text":"Oh, fantastic. Thank you.","start_word":666,"end_word":669,"sentiment":"positive","sentiment_score":0.4166381061077118},{"text":"So 184. 184. Fantastic. And we have a car here, our value at 4,000. Would that be correct? No. That has changed. Okay. So I've I've got a new vehicle, but it's registered under the business. Mhmm. So that's That's okay. essentially is that a business vehicle, or should I have that noted down as personal? I can I can put it down anyway? I'll just note it as a business vehicle. Yeah. Okay. It's 60 70,000. Put that with 70. the bits and pieces Yep. on And what is there any debt on it? Or Yes. yep. And that's all through the business. Yeah. Correct. Yep.","start_word":670,"end_word":776,"sentiment":"neutral","sentiment_score":0.02395297510323123},{"text":"Fantastic.","start_word":777,"end_word":777,"sentiment":"positive","sentiment_score":0.3637241125106811},{"text":"What's the debt on it? That's only a recent recent purchase, so it would be, yeah, close to the $70,000 mark. Actually, it's probably Yep. around 68,000 at the moment.","start_word":778,"end_word":807,"sentiment":"neutral","sentiment_score":0.03275378420948982},{"text":"Beautiful.","start_word":808,"end_word":808,"sentiment":"positive","sentiment_score":0.33995959162712097},{"text":"What type of car did you get? BYD Shark. Oh, nice. I've seen those Yes. driving around.","start_word":809,"end_word":825,"sentiment":"neutral","sentiment_score":0.10833771526813508},{"text":"They look good.","start_word":826,"end_word":828,"sentiment":"positive","sentiment_score":0.4088470935821533},{"text":"Yeah.","start_word":829,"end_word":829,"sentiment":"neutral","sentiment_score":0.2573629319667816},{"text":"So far, so good.","start_word":830,"end_word":833,"sentiment":"positive","sentiment_score":0.3974396586418152},{"text":"No complaints yet.","start_word":834,"end_word":836,"sentiment":"neutral","sentiment_score":0.2480564117431641},{"text":"That's good. That's good.","start_word":837,"end_word":840,"sentiment":"positive","sentiment_score":0.5164074301719666},{"text":"Any other assets or debts that you can think of? No. Not No. at this point. Fantastic. Just to finish off the financial questions, have you ever been declared bankrupt or had a debt agreement? No. No. Fantastic. Moving on to the health and lifestyle side of things. Are you a smoker? No. Have you been a smoker in the past? Negative. Perfect. Do you have any significant health injuries or illnesses? No. Nope. I asked that the wrong way. I should have said health issues. Don't don't mind me. Friday. Do you take any medication at all? No. Do you have private health? I do not. Nope. And we have your height here at a hundred and eighty one centimeters and your weight at seventy five. Would that still be accurate? Yeah. Yep. And from an estate planning perspective, I have here recorded that you don't have a will or power of attorney. Is that right? Correct. Or okay. Okay.","start_word":841,"end_word":1001,"sentiment":"neutral","sentiment_score":-0.024313658475875854},{"text":"So beautiful.","start_word":1002,"end_word":1003,"sentiment":"positive","sentiment_score":0.40728387236595154},{"text":"Alright. I'm gonna jump up to what your goals and objectives were last time you had a review. One of them was that you would like to knock down the house and rebuild. Is that still something that you're working towards? Mhmm. It is, but we're looking Yep. to raise and renovate now rather than knock down and rebuild. Okay. Have you got a time frame that you're looking at that? Not specifically. No. No. And you're not sure of what it's gonna cost you or At this anything point, no. We're just like running through ideas more so that? than anything. Yep. Absolutely fine. With retirement, we have here a retirement goal of it's a lifestyle and travel around Australia goal. You don't wanna you do want to improve your camping setup and purchase a camping trailer. Apart that, you haven't really thought about retirement itself. Still correct? Yes. Yep. So I'm gonna ask a couple of probing questions here. They might sound weird, but it just helps us to see long term what it is that you're working towards. So Yep. given that you are 32 years of age, retirement is a little while off yet. But based on today's dollars, if you were debt free, children were financially independent, you know, all those kind of types of things, how much would you and Renee need to live comfortably in retirement in today's dollars, bearing in mind that that's gonna, you know, inflate over time, but just Yep. in today's dollars? We don't really want for too much. So yeah. I live comfortably. Yeah. Probably looking at 500 to $1,000 a week being debt free. Yep.","start_word":1004,"end_word":1281,"sentiment":"neutral","sentiment_score":-0.006174087229606917},{"text":"Beautiful.","start_word":1282,"end_word":1282,"sentiment":"positive","sentiment_score":0.5503424406051636},{"text":"I'm gonna put a thousand dollars per week. Yep. And retirement age for yourself, ideally, what would you like to aim towards? Oh, very difficult to say. It is, isn't it? Yeah. If Let's you put were able that. to financially, would it be 60? Would it be 65? If in a perfect world, what would what would be the age you'd like to retire? Let's call it 70. 70.","start_word":1283,"end_word":1352,"sentiment":"neutral","sentiment_score":0.052429039031267166},{"text":"Very nice. You're gonna go the long haul.","start_word":1353,"end_word":1360,"sentiment":"positive","sentiment_score":0.5251446962356567},{"text":"Yeah. I'm I'm more in a bit of fitting still. It's it's a transition. I can tell you that. Working with advice and for a very long time and and people reaching retirement, it's a transition, not just financially, but mentally so that you've got things to do and mentally Yeah. so that you've got things to do and plans when you do retire because a lot of people go stir crazy because we're so used to working. Yep. So it is it is a bit of both, so I understand that. Yeah. Absolutely. With your superannuation, the goal you had that is you wanna look into options with other funds, which we did for you. You did mention that you'd like some ethical investments because your wife is studying to be a ecological scientist. Is that still something that you're wanting, or are you more looking towards gross options to make sure that your portfolio not that they wouldn't the ethical options don't perform, but I guess I'm probably trying to understand that a bit better from you. Yeah. So I still want a back ethical Yep. option. Yep. And, yeah, I'm looking always towards that greener future kind of thing. Yep. Okay. With the ethical options, what part of your portfolio would you want made up of ethical options? As in percentage wise? Yeah. Percentage wise would be a good start because then I can work backwards. Yeah. Yeah. Probably a majority of it, Okay. I'd say I want a minimum of 80% of it to be through ethical options. Ideally, a 100% is always good. Okay. Yeah. Alright. Leave that with me. That's something I'm gonna look at because at the moment, you don't have a large exposure to that. So that's something I am gonna look at for you. Okay.","start_word":1361,"end_word":1664,"sentiment":"neutral","sentiment_score":0.14282010074116683},{"text":"And you insurance wise, your goal was you're quite happy with your insurances, and everything seems to cover you for what you need.","start_word":1665,"end_word":1687,"sentiment":"positive","sentiment_score":0.3663345277309418},{"text":"We can go through what your levels of cover are shortly. So do you think that's still appropriate? Yes. Yep. From a estate planning perspective, have you and Renee talked to anybody about getting those in place?","start_word":1688,"end_word":1724,"sentiment":"neutral","sentiment_score":0.1674317568540573},{"text":"No.","start_word":1725,"end_word":1725,"sentiment":"negative","sentiment_score":-0.3352712392807007},{"text":"Not yet. No. Okay. What I can do is we work with a professional partner. I can send you through a brochure about those documents. It gives you a bit of a price guide. Being in the industry for a really, really long time, the prices they charge are really, really, really reasonable compared to what I've seen in my time. Okay. So given that you've got two young daughters, if something was to happen to you, it's not only just the estate side of things of where things go. There's the guardianship to consider those Yeah. types of things. So would you like me to send you through the the brochure? And once you and Renee have had a chance to look at it, if you want me to arrange an introduction, I can. Okay. And it can all be done virtually as well, like through emails, phone calls, those Yeah. sorts Okay. of things. Yeah.","start_word":1726,"end_word":1882,"sentiment":"neutral","sentiment_score":0.11564766615629196},{"text":"If you could, that would be great. Yes, please. Absolutely.","start_word":1883,"end_word":1892,"sentiment":"positive","sentiment_score":0.4663712680339813},{"text":"Okay. So with that surplus cash flow at the moment, a 150 per week into your offset account, are you happy to maintain that to keep reducing debt, or did you wanna look at investing it? What's your perp I mean, I guess, is that what your plan is still to reduce debt? Yes. Just looking to Yep. to get that home loan right then.","start_word":1893,"end_word":1957,"sentiment":"neutral","sentiment_score":0.141478031873703},{"text":"Fantastic. Beautiful.","start_word":1958,"end_word":1959,"sentiment":"positive","sentiment_score":0.7027261257171631},{"text":"Alright. Do you have access to your emails I at do. Yes. all? Yeah. So you would have received an email just recently from. That's come from me. Yep. It is your review pack. And when you open the email, there's an option in there that says a button, I believe, that says sign. If you open that, it'll bring up your review pack. You're not signing anything right now. We're just gonna talk through it. And then at the end, if you're comfortable or if you've got any questions or you need some time, we'll get you to sign the documents required then. Yep. No worries. So the first document is just a overview summary of what you have. So you've got your hub twenty four account at a 94000 1 And 60, and you've got your life and TPD insurance with ClearView funded through your superannuation fund. So it costs $290 per annum rounded up. Yep. The two things that I note, being self employed, you don't have income protection cover. Is there a reason for that? It's not something that's been on my radar before, I guess, is Okay. probably what Yep. why it's not there. Yeah. Okay. And I'm not I I don't fully understand how it works as well. Alright. So what I'll do is I'm going to explain it. If at any point I lose you, let me know. It's pretty straightforward. Basically, what income protection to do is designed to do, if you think of it similar to a a Yep. work cover policy, I guess, for employees, but that's only covers them at work. So an income protection policy will cover up to 70% of your taxable income. So that would be the 70,000 that you pay yourself, Mhmm. and you're covered for injury or illness twenty four hours a day, seven days a week. Now being self employed, I think it's critical you have this cover because if you were unable to work due to injury or illness, you're gonna lose your income. Yeah. So the next step from that down is is two things called a waiting period and a benefit period. A waiting period, I like to explain as a car excess. If you liken it to that, it's the number of days you have to be off work consecutively before you can claim. So that the minimum being thirty days, and then from there on up, it goes sixty and ninety. So depending on and then, obviously, more after that, but they're not very popular. So if you have sufficient savings or redraw in your home loan, you might be able to last a longer waiting period. But because those those waiting periods do obviously impact the the premium of the policy. The next section is the benefit period. This dictates how men how much time you can be paid on based on an injury or illness. They start at two years, five years, and to age 65 being the average standard average standard retirement date.","start_word":1960,"end_word":2467,"sentiment":"neutral","sentiment_score":-0.04458005034078763},{"text":"So I strongly, strongly recommend that we look at this cover for you.","start_word":2468,"end_word":2480,"sentiment":"positive","sentiment_score":0.5571903586387634},{"text":"And the and, additionally, there's two options for payment. You can pay it through your super fund the same way that your life and TPD is funded, or you can pay it through your personal cash flow, and it can be claimed as a personal tax deduction. So it's really a preference as to, you know, do you get typically get a tax bill? Do you want the tax deduction? Do you want it paid through super? Kind of guided by Yeah. well enough? Yes. Yeah. Yeah. You certainly Yeah. did. Okay. Sorry. Just one second. No. You're absolutely fine. Can you still hear me? Yes. I can. Okay. Cool. Sorry? Yeah. Sorry. I've just put you over to to some hedge funds so I can keep working. Oh, you're fine. I'll try and not take up too much of your time. No.","start_word":2481,"end_word":2623,"sentiment":"neutral","sentiment_score":0.1148749589920044},{"text":"No.","start_word":2624,"end_word":2624,"sentiment":"negative","sentiment_score":-0.3463748097419739},{"text":"That's all good. So if I was to do it, I'd do it through the superannuation, I think. Yep.","start_word":2625,"end_word":2643,"sentiment":"neutral","sentiment_score":-0.08693330734968185},{"text":"That's absolutely fine.","start_word":2644,"end_word":2646,"sentiment":"positive","sentiment_score":0.4125439524650574},{"text":"What I'm going to do is that's gonna be my homework to do to investigate further for you along with your ethical options within your Yep. your fund. The other piece of insurance Okay. or the other type of policy, I should say, that's available is called trauma insurance. It's a lump sum cover that pays you if you're diagnosed with a specific illness. They range from cancer, stroke, heart attack, neurological conditions, and that Right. premium is paid from your personal cash flow. So it's kind Yeah. of like a stop a stop gap between your income protection and your TPD where it it would it's a lump sum tax free just to get you through the recuperation period. Typically, with a trauma claim, we see that clients aren't terminal. They're just they've had a a diagnosis, and it's more about recovering and the financial impact that has as opposed to the income protection side of things where you're probably likely to be off work for a longer term. Yeah. Okay.","start_word":2647,"end_word":2818,"sentiment":"neutral","sentiment_score":0.05040450844653817},{"text":"I'm not interested in that one.","start_word":2819,"end_word":2824,"sentiment":"negative","sentiment_score":-0.5258839130401611},{"text":"Beautiful. That's absolutely fine. And the last thing with your insurance, your insurance, some insureds are just shy of 300,000 rounded up for life and TPD. Yep. Is that still relevant to for Renee and Elizabeth and Penelope? So, basically, looking at those figures, it's gonna pay your debt, and it's gonna leave about a $100 plus your super balance to Renee and the girls. Is that enough? Is that what you're hoping to achieve with that? Is there any higher cover needed? Would Renee need more funds to I don't believe so. What is that what's that what it is at currently, I yep. believe, is still Perfect.","start_word":2825,"end_word":2933,"sentiment":"neutral","sentiment_score":-0.011064082384109495},{"text":"good for that situation.","start_word":2934,"end_word":2937,"sentiment":"positive","sentiment_score":0.35642966628074646},{"text":"Yeah. Okay. Beautiful. Next document over in that pack is the performance for your super fund. Now there's you'll note the very top one is the Benelon Australian Equities Fund, had a very poor performance. We don't typically rush to replace investments if just due to performance.","start_word":2938,"end_word":2984,"sentiment":"neutral","sentiment_score":-0.108213409781456},{"text":"Unfortunately, Bennelong has been a longer term underperformer, and it's not that the Australian share market has underperformed itself.","start_word":2985,"end_word":3003,"sentiment":"negative","sentiment_score":-0.33614635467529297},{"text":"It's more that their investment mandate isn't rolling with the Australian share market at the moment. So they look at under they try to identify underperforming companies for potential growth, whereas the share market has kind of faded, you know, the the financials and the resources sector. So Yeah. I got it. Yep. so with your permission, what we're doing at the moment is looking to replace Benelon. Yep. But given that we're gonna look at the ethical options as well, I think that's suitable for you. Yes.","start_word":3004,"end_word":3091,"sentiment":"neutral","sentiment_score":-0.0649757906794548},{"text":"Perfect.","start_word":3092,"end_word":3092,"sentiment":"positive","sentiment_score":0.49342721700668335},{"text":"Alright.","start_word":3093,"end_word":3093,"sentiment":"neutral","sentiment_score":0.318820595741272},{"text":"Fantastic.","start_word":3094,"end_word":3094,"sentiment":"positive","sentiment_score":0.6270749568939209},{"text":"Alright. Packing for that.","start_word":3095,"end_word":3098,"sentiment":"neutral","sentiment_score":0.2714969515800476},{"text":"So the twelve month performance was pretty abysmal, 0.55%, and that's attributed to the Bennelong Australian Equities Fund.","start_word":3099,"end_word":3116,"sentiment":"negative","sentiment_score":-0.45826515555381775},{"text":"The next document over is a six month performance report. So you can see that Bennelong's bouncing back a little bit over the last six months, and your return in the last six months has gone back up to 7.81%. So it's it's recovering. Like, the Benelong Yeah.","start_word":3117,"end_word":3164,"sentiment":"neutral","sentiment_score":0.03068929724395275},{"text":"Fund is recovering, but it's still something that we're not comfortable maintaining in our clients' portfolios.","start_word":3165,"end_word":3180,"sentiment":"negative","sentiment_score":-0.3402087092399597},{"text":"Okay. Yep. Understood. The next document is the Vanguard index chart. It's a visual tool that we just share with our clients to explain how your funds are invested. So in a you're invested as a high growth investor. So what that means is 90% of your superannuation in the top four, your US shares, Australian shares, international shares, and property. So you can see Yep. the volatility that those sectors experience with your Yep. remaining 10% in the Australian bonds and cash, which provides a little bit of growth over the long term, but it's more an income producing defensive asset. Yeah. Okay. Understood. Are you happy to continue maintaining that approach to investment for your superannuation? Yes. I can believe I am. Yeah. Yep.","start_word":3181,"end_word":3306,"sentiment":"neutral","sentiment_score":0.119566410779953},{"text":"Okay. Fantastic.","start_word":3307,"end_word":3308,"sentiment":"positive","sentiment_score":0.4982068538665771},{"text":"The next document I know about is your certificate of currency. So all that is is the actual ClearView document that confirms the levels of cover on the front page, so your life and TPD cover. And the next document is our financial services guide. So what that is is it explains to you who we are, who our licensee is that we're licensed by, what advice we provide, how we provide it, fees, and complaints if there's a situation and that you need to make a complaint for the complaint process. And this document's always available on the website also. Yep.","start_word":3309,"end_word":3410,"sentiment":"neutral","sentiment_score":0.13715146481990814},{"text":"Perfect.","start_word":3411,"end_word":3411,"sentiment":"positive","sentiment_score":0.5480858087539673},{"text":"The next document is the ongoing fee that we do charge from your superannuation fund. So if you wish to main remain a client of Oakview, that fee is 155 the 1 hun $1,554 rounded up to make it nice and easy, which equates to about a $130 a month that's deducted from your hub twenty four account. So if you do if you're happy and comfortable with that, that is one of the documents that we do need you to sign. Yep. And then the final document is your tax file number authority. So we do hold your tax file number on file because we set up your superannuation fund. This is just a form for you to sign saying that you're happy and you acknowledge that we do Yep. hold that for you on your behalf. Yeah.","start_word":3412,"end_word":3550,"sentiment":"neutral","sentiment_score":0.1130187502331871},{"text":"Perfect.","start_word":3551,"end_word":3551,"sentiment":"positive","sentiment_score":0.41233301162719727},{"text":"So those last two documents need signatures. I've just downloaded a hell of a lot of information for you. Any questions? Yep. No. Everything is fairly straightforward. A lot of it, I already understood from previous conversations Yep. I've had.","start_word":3552,"end_word":3591,"sentiment":"neutral","sentiment_score":0.1541382223367691},{"text":"So, yep, that's Fantastic. been good. I've just finished the signing and it's just Fantastic. loading on my end.","start_word":3592,"end_word":3610,"sentiment":"positive","sentiment_score":0.6142210364341736},{"text":"Yeah.","start_word":3611,"end_word":3611,"sentiment":"neutral","sentiment_score":0.28120338916778564},{"text":"Beautiful.","start_word":3612,"end_word":3612,"sentiment":"positive","sentiment_score":0.42475366592407227},{"text":"So I'll just clarify with you that from this point, you're going to look into those ethical funds and Income protection. Yep. and and income protection. Yeah. And Yep. so the income Certainly protection, is that gonna am. go is that likely to be set with ClearView and through that channel, or is it a different What avenue what we'll that do that runs? is Yeah. So if Clearview is appropriate, it's likely to be with Clearview. You'll have to go through the whole underwriting process again, which I'm gonna ask I'm gonna keep it short, but I'll ask you some questions to do that. But if Clearview Yep. isn't the most appropriate in the market being, say, premium wise policy definitions, we can look at other companies. But before I do that, I just wanted to run through a couple of quick Yeah.","start_word":3613,"end_word":3756,"sentiment":"neutral","sentiment_score":0.01209227740764618},{"text":"Is Lovely.","start_word":3757,"end_word":3758,"sentiment":"positive","sentiment_score":0.3342722952365875},{"text":"that okay to have about five more minutes of your time? Yeah. Yeah. Yep.","start_word":3759,"end_word":3772,"sentiment":"neutral","sentiment_score":0.15417879819869995},{"text":"Thanks, Paul.","start_word":3773,"end_word":3774,"sentiment":"positive","sentiment_score":0.3740358054637909},{"text":"Alright. What percentage of your daily routine or duties involve a manual component? In terms of work and personal? Just work. Just work? Yep. I'd say 80% is manual Yep. for work. Yep. Yeah. And that's detailing. Correct. Yeah. Yep. Do you work at heights or anything like that or work with any hazardous materials? Working alright. So yeah. We need to use ladders. Yep. Do you go do you go Sorry, 12 Curtis. meters at all? No. No? Okay.","start_word":3775,"end_word":3854,"sentiment":"neutral","sentiment_score":-0.0014342977723572404},{"text":"Fantastic.","start_word":3855,"end_word":3855,"sentiment":"positive","sentiment_score":0.4752930402755738},{"text":"With 80%, the remaining 20%, is that book work or office work? What's that? So that's that's probably the quoting and driving portion of of what we Yep. do. So where we're Yep. going to this client to see the vehicle to be detailed so we can provide a quote, Fantastic. which is definitely not labor intensive at all. We're just simply looking. Yeah. Yeah. Of course. No. I understand. Do you intend on making any changes to your occupation in the next twelve months? Possibly, yes. Okay. What do And you what that are you is thinking? we've got the potential to because we are a franchise, Yep. we've been given the opportunity to buy out the franchisor. So Yep. that's potentially going to change what it is that we do on a day to day basis. But Mhmm. there's it's in the very early stages. So if anything changes at all, it's still quite an unknown to me, but there's definitely potential that it will change. Okay. So will you still be working in the same, like, industry doing the same kind of duties? Likely, yes. Yeah. It's Okay. definitely gonna be in the same industry, but Yep. doing the same duties is where the uncertainty is. Okay. In what respect? So if we take over being the franchisable, we'll be doing, Yep. like, advertising. It'd be more office work and running Yeah. the Okay. franchises rather than being the laborer doing the actual franchise Yep. work. Yep. But, yeah, Perfect. again, really unsure Yeah. So about it's what that is. yeah. So you're not really changing your occupation. It's just that your your off your field work would increase I mean, re decrease and your office work would increase, so that's fine. Yeah. I understand that.","start_word":3856,"end_word":4154,"sentiment":"neutral","sentiment_score":-0.0028738808042578475},{"text":"Thank you.","start_word":4155,"end_word":4156,"sentiment":"positive","sentiment_score":0.593350350856781},{"text":"No Do worries. you have a second occupation at all? No. No. Do you intend to travel or live overseas any time, say, within the next twelve to eight months for a holiday or work? Not at this point. No. No. Do you participate in any sports or pastimes or hobbies? Other than gym activity, I guess. But Yep. No. That's no. okay. What Not what not for they're me. looking for there is more like if you play football or you skydive or go rock climbing, like those Right. kind of ones No.","start_word":4157,"end_word":4250,"sentiment":"neutral","sentiment_score":-0.09642894566059113},{"text":"that you get hurt more often.","start_word":4251,"end_word":4256,"sentiment":"negative","sentiment_score":-0.4164915382862091},{"text":"No. I'm not doing any of that. Perfect. Have you sorry. But I have to ask. Have you ever taken any illicit drugs? I have not. No? Okay. Do you drink alcohol? Very, very little. Yep. Okay. So on average, how much do you think you drink per week? None. None? One one maybe Yep. every three months, six months. Yep.","start_word":4257,"end_word":4317,"sentiment":"neutral","sentiment_score":-0.09040006250143053},{"text":"Beautiful.","start_word":4318,"end_word":4318,"sentiment":"positive","sentiment_score":0.3564812242984772},{"text":"I've got your height and weight. Have you lost any weight in the last Not that I'm aware of. twelve months? No. You'd know. So in in the last twelve months, have you been able to unable to perform your occupation due to injury any injury or illness? No. No. Ever had any work cover claims? No. Any insurance applications declined? No. Nope. I'm just gonna briefly run through some health conditions that and just a simple yes or no whether you've sought advice or treatment from a health professional. So Nope. any type of stress, anxiety, depression, mental health, No. any skin cancers, moles, cysts, lesions? Any back pain, neck pain? No. No. Any broken bones, muscles, ligaments, tendon tears? No. Any blood borne diseases, any heart or blood condition, No. any cancer, any asthma or respiratory conditions, any issues with the eyes or ears outside of wearing glasses or contact lenses, any high blood pressure or cholesterol, Any diabetes or thyroid conditions? Nope. Any skin conditions like eczema or dermatitis? Any other condition or surgery that you can think of? No. No.","start_word":4319,"end_word":4502,"sentiment":"neutral","sentiment_score":-0.12764753093538078},{"text":"Fantastic.","start_word":4503,"end_word":4503,"sentiment":"positive","sentiment_score":0.3394542634487152},{"text":"Alright. Do you intend on seeing a doctor for anything, any test investigation or surgery at the at No. the moment? Nope. Beautiful. Alright. Last question. Sorry. And I'll get through them quickly. These are in relation to immediate family members, so your mom, dad, or siblings, and just if they've ever been diagnosed with any of the following Okay. or suffered from them. Heart disease, heart attack, or stroke, No. multiple cirrhosis, Parkinson's, or Alzheimer's, muscular dystrophy, Huntington's, or any motor No. neuron disease. No. No. Any bowel cancer or melanoma. No. Any polycystic kidney disease. Breast or ovarian No. cancer, No. mental health condition, cardiomyopathy or diabetes No. No. or anything else that you can think of? No. Fantastic. Alright. I think I've taken enough of your time in relation to answering all those probing questions. Do you have any other questions from me? Yep. Okay. So what I'm gonna do is I'm gonna go away and look at those ethical options for you, have a look at the income protection. What I would say is in about two weeks' time, we would have we would have to book in a time to present any changes. So the investment options and the, options and the income protection. I can book that in now, or would you like me to just reach out and book that in when it's Yep. So let's book it in now. I'll ready. I mean, Okay. if you know what, Beautiful. just talk while I'm working. No problem. Alright. Is there any day of the week that's best for you? Is it a Friday? Yeah. We we can work on a Friday. That's no problem. Yeah. I mean, I can do any any any day. I just Yeah. whatever's best for you. That's that's gonna ask you. No. Not not really I our calendar does fluctuate quite a bit depending on the the week and the day we're yeah. doing quotes and all that. So, yeah, there's no full structure to it. So if we just call it a Friday, that's fine. Okay. What about Friday, the twenty fifth? Would you like around the same time, 09:00? Twenty fifth at nine. Actually, I do know where I'll be then. That's fine. Yes. That'll work fine. Yep.","start_word":4504,"end_word":4885,"sentiment":"neutral","sentiment_score":0.04830559813149313},{"text":"Alright. Fantastic. I will send you through a calendar invite so that goes into your calendar, and Yep. we will speak then and get these things sorted for you. Awesome. Thank you very much. Thank you for your time, and I look forward to speaking to you then. Enjoy your weekend. Thank you.","start_word":4886,"end_word":4938,"sentiment":"positive","sentiment_score":0.5640255212783813},{"text":"Okay. Bye.","start_word":4939,"end_word":4940,"sentiment":"neutral","sentiment_score":0.23046116530895233}],"average":{"sentiment":"neutral","sentiment_score":0.038488324303127215}}}}