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But I was just kind of explaining the ongoing service fee and everything. Did you what was the last part you heard there, Chris? I'm so sorry. Yeah. Yep. So yeah. So we we are gonna reinstate it back on. It does mean that we are looking after things. We have obviously had it turned off for the past couple of years and still kept monitoring and looking after things. But to make sure that moving forward that everything is working harder, I do wanna turn it back on. I'll keep doing catch ups with you as much as you want. I know you don't want heaps of contact with us all the time. Do you want catch ups sort of once every three months, six months, or just once a year? How often is more preferable for you, Chris? Six months is good? It does. I think the older we get, the faster it goes. I've never heard that one. I quite like it. But no. That's all good. So I have attached the ongoing service agreement into that DocuSign for you. Have a look through the document. Let me know if you do happen to have any questions. This is we yeah. We can post it out if you'd like to. It's not a problem at all. We've stopped using DocuSign as a whole. This is a different one. It's called OdooSign. Did you want to try and give it a crack later on for me as well? I'll still get everyone to post a a copy of everything to you. But if you could just pop in the emails and give this one a crack, this one might work a bit better because we were having some issues with DocuSign as well, and that's why we've kind of no. Well, this is called OdooSign. It's a little bit easier to kind of work off. So when you open it, you'll see the sign button, and you sort of just follow the prompts through it or it's it's a lot easier than DocuSign was to use. So if you can have a look at that for me and let me know if you have any troubles, I can also get someone to maybe touch base in the next couple of days as well just to see and maybe talk you through it. But I'll also get someone to print and and send these out to you to sign manually as well. Okay? Yep. Fantastic. Excellent. Other than that, the other thing I sorta looked at here was the estate planning side of things. So I am making a recommendation, obviously, that you update your will. I can send you an email shortly if you like with some details on a local solicitor. It also has a bit of a costing guide on how much they charge to have a will drawn up just so you can have a bit of a look at it and consider that against your finances. With not having beneficiary nominations on your super, it does mean that in the event that you would have passed away currently, that your super is not may not be paid at to where you wanted it to go. You wanted to make sure it went to both of your children, Whereas at the moment, it goes with some kind of probate process where people can come out, make a claim, and it may not end up being paid to where you want it to be. I am making a recommendation that we update your beneficiary nominations to be a legal personal representative. That way, in the event of you passing, it goes through to your estate, to your will. And via your will, you can have that directed to your children however you like. The reason I'm making this nomination the way it is and the reason your will needs to be updated is that when children are under the age of 18 or when they're tax dependents and their 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I I am. Sorry. It dropped out. I do apologize if that was my end. Oh, that's okay.\n\nI'll I'll try to wrap it up fairly quickly for you. But I was just kind of explaining the ongoing service fee and everything. Did you what was the last part you heard there, Chris? I'm so sorry. Yeah.\n\nYep. So yeah. So we we are gonna reinstate it back on. It does mean that we are looking after things. We have obviously had it turned off for the past couple of years and still kept monitoring and looking after things.\n\nBut to make sure that moving forward that everything is working harder, I do wanna turn it back on. I'll keep doing catch ups with you as much as you want. I know you don't want heaps of contact with us all the time. Do you want catch ups sort of once every three months, six months, or just once a year? How often is more preferable for you, Chris?\n\nSix months is good? It does. I think the older we get, the faster it goes. I've never heard that one. I quite like it.\n\nBut no. That's all good. So I have attached the ongoing service agreement into that DocuSign for you. Have a look through the document. Let me know if you do happen to have any questions.\n\nThis is we yeah. We can post it out if you'd like to. It's not a problem at all. We've stopped using DocuSign as a whole. This is a different one.\n\nIt's called OdooSign. Did you want to try and give it a crack later on for me as well? I'll still get everyone to post a a copy of everything to you. But if you could just pop in the emails and give this one a crack, this one might work a bit better because we were having some issues with DocuSign as well, and that's why we've kind of no. Well, this is called OdooSign.\n\nIt's a little bit easier to kind of work off. So when you open it, you'll see the sign button, and you sort of just follow the prompts through it or it's it's a lot easier than DocuSign was to use. So if you can have a look at that for me and let me know if you have any troubles, I can also get someone to maybe touch base in the next couple of days as well just to see and maybe talk you through it. But I'll also get someone to print and and send these out to you to sign manually as well. Okay?\n\nYep. Fantastic. Excellent. Other than that, the other thing I sorta looked at here was the estate planning side of things. So I am making a recommendation, obviously, that you update your will.\n\nI can send you an email shortly if you like with some details on a local solicitor. It also has a bit of a costing guide on how much they charge to have a will drawn up just so you can have a bit of a look at it and consider that against your finances. With not having beneficiary nominations on your super, it does mean that in the event that you would have passed away currently, that your super is not may not be paid at to where you wanted it to go. You wanted to make sure it went to both of your children, Whereas at the moment, it goes with some kind of probate process where people can come out, make a claim, and it may not end up being paid to where you want it to be. I am making a recommendation that we update your beneficiary nominations to be a legal personal representative.\n\nThat way, in the event of you passing, it goes through to your estate, to your will. And via your will, you can have that directed to your children however you like. The reason I'm making this nomination the way it is and the reason your will needs to be updated is that when children are under the age of 18 or when they're tax dependents and their children","paragraphs":[{"sentences":[{"text":"I I I am.","start":1.92,"end":3.12,"sentiment":"neutral","sentiment_score":-0.033466418739408255},{"text":"Sorry.","start":3.12,"end":3.6,"sentiment":"neutral","sentiment_score":-0.1920013725757599},{"text":"It dropped out.","start":3.6,"end":4.24,"sentiment":"neutral","sentiment_score":-0.2984529236952464},{"text":"I do apologize if that was my end.","start":4.24,"end":6.3399997,"sentiment":"neutral","sentiment_score":-0.21206787414848804},{"text":"Oh, that's okay.","start":10.8,"end":12.48,"sentiment":"neutral","sentiment_score":0.013886011516054472}],"sentiment":"neutral","sentiment_score":-0.15137425143467753,"num_words":19,"start":1.92,"end":12.48},{"sentences":[{"text":"I'll I'll try to wrap it up fairly quickly for you.","start":12.48,"end":14.985,"sentiment":"neutral","sentiment_score":0.11467455835504965},{"text":"But I was just kind of explaining the ongoing service fee and everything.","start":15.1449995,"end":18.664999,"sentiment":"neutral","sentiment_score":0.0037357016251637386},{"text":"Did you what was the last part you heard there, Chris?","start":18.664999,"end":20.985,"sentiment":"neutral","sentiment_score":-0.01041477918624878},{"text":"I'm so sorry.","start":20.985,"end":21.805,"sentiment":"neutral","sentiment_score":-0.09851612399021785},{"text":"Yeah.","start":25.224998,"end":25.544998,"sentiment":"neutral","sentiment_score":-0.009089079685509205}],"sentiment":"neutral","sentiment_score":0.022840621546866037,"num_words":39,"start":12.48,"end":25.544998},{"sentences":[{"text":"Yep.","start":25.544998,"end":25.785,"sentiment":"neutral","sentiment_score":-0.004480457864701748},{"text":"So yeah.","start":25.785,"end":29.0,"sentiment":"neutral","sentiment_score":-0.013264167122542858},{"text":"So we we are gonna reinstate it back on.","start":29.0,"end":31.96,"sentiment":"neutral","sentiment_score":0.10453043133020401},{"text":"It does mean that we are looking after things.","start":31.96,"end":33.72,"sentiment":"neutral","sentiment_score":0.012609956992997063},{"text":"We have obviously had it turned off for the past couple of years and still kept monitoring and looking after things.","start":33.72,"end":38.54,"sentiment":"neutral","sentiment_score":-0.1472732119617008}],"sentiment":"neutral","sentiment_score":-0.049273398771349876,"num_words":42,"start":25.544998,"end":38.54},{"sentences":[{"text":"But to make sure that moving forward that everything is working harder, I do wanna turn it back on.","start":38.84,"end":43.255,"sentiment":"neutral","sentiment_score":0.0734625248924682},{"text":"I'll keep doing catch ups with you as much as you 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No. No. That that was my end because I'm in a I'm in a really bad area. It might drop out again. Yeah. It's a service fee that you might have to re re start to reinstate it. That's fine. Yep. Yes. That's fine. Yep. Probably six months is fine. Yeah. Because six months goes pretty quick nowadays. Well, like, they lost like a toilet roll. The shorter it gets, the faster it rolls. Yeah. I've been having trouble with DocuSign. Like, real bad trouble with DocuSign. Is there any chance you can send it out to me and I can sign up and send it back? That'd be that'd be of course. Yes. Okay. Yeah. DocuSign, and then I don't get along. Okay. 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No. No. That that was my end because I'm in a I'm in a really bad area. It might drop out again.\n\nYeah. It's a service fee that you might have to re re start to reinstate it. That's fine. Yep. Yes.\n\nThat's fine. Yep. Probably six months is fine. Yeah. Because six months goes pretty quick nowadays.\n\nWell, like, they lost like a toilet roll. The shorter it gets, the faster it rolls. Yeah. I've been having trouble with DocuSign. Like, real bad trouble with DocuSign.\n\nIs there any chance you can send it out to me and I can sign up and send it back? That'd be that'd be of course. Yes. Okay. Yeah.\n\nDocuSign, and then I don't get along. Okay. Yep.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.96,"end":1.46,"sentiment":"neutral","sentiment_score":-0.001678961794823408},{"text":"No.","start":6.48,"end":6.7999997,"sentiment":"neutral","sentiment_score":-0.2005658745765686},{"text":"No.","start":6.7999997,"end":7.04,"sentiment":"neutral","sentiment_score":-0.2250477969646454},{"text":"That that was my end because I'm in a I'm in a really bad area.","start":7.04,"end":10.08,"sentiment":"negative","sentiment_score":-0.35530386368433636},{"text":"It might drop out again.","start":10.08,"end":11.38,"sentiment":"neutral","sentiment_score":-0.12580429911613464}],"sentiment":"neutral","sentiment_score":-0.2776466123557285,"num_words":23,"start":0.96,"end":11.38},{"sentences":[{"text":"Yeah.","start":23.365,"end":23.685,"sentiment":"neutral","sentiment_score":-0.026311714202165604},{"text":"It's a service fee that you might have to re re start to reinstate it.","start":23.685,"end":28.44,"sentiment":"neutral","sentiment_score":-0.03777027068038782},{"text":"That's fine.","start":28.92,"end":38.84,"sentiment":"neutral","sentiment_score":0.01597390603274107},{"text":"Yep.","start":38.84,"end":39.16,"sentiment":"neutral","sentiment_score":0.02423323690891266},{"text":"Yes.","start":39.16,"end":39.48,"sentiment":"neutral","sentiment_score":0.05964164063334465}],"sentiment":"neutral","sentiment_score":-0.02385215424001217,"num_words":20,"start":23.365,"end":39.48},{"sentences":[{"text":"That's fine.","start":39.48,"end":40.22,"sentiment":"neutral","sentiment_score":0.19310005754232407},{"text":"Yep.","start":54.775,"end":55.175,"sentiment":"neutral","sentiment_score":0.13497646152973175},{"text":"Probably six months is fine.","start":55.175,"end":56.535,"sentiment":"neutral","sentiment_score":0.13218967914581298},{"text":"Yeah.","start":56.535,"end":56.775,"sentiment":"neutral","sentiment_score":0.14906883239746094},{"text":"Because six months goes pretty quick nowadays.","start":56.775,"end":62.53,"sentiment":"neutral","sentiment_score":0.14542583801916667}],"sentiment":"neutral","sentiment_score":0.14682341692969203,"num_words":16,"start":39.48,"end":62.53},{"sentences":[{"text":"Well, like, they lost like a toilet roll.","start":62.989998,"end":64.909996,"sentiment":"neutral","sentiment_score":-0.14585203863680363},{"text":"The shorter it gets, the faster it rolls.","start":64.909996,"end":67.009995,"sentiment":"neutral","sentiment_score":0.01916499948129058},{"text":"Yeah.","start":79.595,"end":80.095,"sentiment":"neutral","sentiment_score":0.08634291589260101},{"text":"I've been having trouble with DocuSign.","start":80.235,"end":82.015,"sentiment":"neutral","sentiment_score":-0.06866687815636396},{"text":"Like, real bad trouble with DocuSign.","start":83.034996,"end":84.715,"sentiment":"neutral","sentiment_score":-0.24089422821998596}],"sentiment":"neutral","sentiment_score":-0.0960179322624001,"num_words":29,"start":62.989998,"end":84.715},{"sentences":[{"text":"Is there any chance you can send it out to me and I can sign up and send it back?","start":84.715,"end":88.72,"sentiment":"neutral","sentiment_score":0.020181311573833228},{"text":"That'd be that'd be of course.","start":92.14,"end":93.76,"sentiment":"neutral","sentiment_score":-0.03502984531223774},{"text":"Yes.","start":104.115,"end":104.615,"sentiment":"neutral","sentiment_score":0.13051536679267883},{"text":"Okay.","start":108.515,"end":109.015,"sentiment":"neutral","sentiment_score":-0.04126126319169998},{"text":"Yeah.","start":110.994995,"end":111.315,"sentiment":"neutral","sentiment_score":-0.19194892048835752}],"sentiment":"neutral","sentiment_score":0.003129391128133084,"num_words":29,"start":84.715,"end":111.315},{"sentences":[{"text":"DocuSign, and then I don't get along.","start":111.315,"end":113.255,"sentiment":"negative","sentiment_score":-0.4337039589881897},{"text":"Okay.","start":125.869995,"end":126.369995,"sentiment":"neutral","sentiment_score":-0.03051678091287613},{"text":"Yep.","start":165.825,"end":166.325,"sentiment":"neutral","sentiment_score":0.11168700456619264}],"sentiment":"neutral","sentiment_score":-0.3283063876960013,"num_words":9,"start":111.315,"end":166.325}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: I I I am. Sorry. It dropped out. I do apologize if that was my end.\n\nChannel 1: No. No. That that was my end because I'm in a I'm in a really bad area. It might drop out\n\nChannel 0: Oh,\n\nChannel 1: again.\n\nChannel 0: that's okay. I'll I'll try to wrap it up fairly quickly for you. But I was just kind of explaining the ongoing service fee and everything. Did you what was the last part you heard there, Chris? I'm so sorry.\n\nChannel 1: Yeah. It's a service fee\n\nChannel 0: Yeah.\n\nChannel 1: that\n\nChannel 0: Yep.\n\nChannel 1: you might\n\nChannel 0: So\n\nChannel 1: have to re re start to reinstate it.\n\nChannel 0: yeah.\n\nChannel 1: That's\n\nChannel 0: So we we are gonna reinstate it back on. It does mean that we are looking after things. We have obviously had it turned off for the past couple of years and still kept monitoring and looking after things.\n\nChannel 1: fine. Yep.\n\nChannel 0: But to\n\nChannel 1: Yes.\n\nChannel 0: make sure\n\nChannel 1: That's\n\nChannel 0: that\n\nChannel 1: fine.\n\nChannel 0: moving forward that everything is working harder, I do wanna turn it back on. I'll keep doing catch ups with you as much as you want. I know you don't want heaps of contact with us all the time. Do you want catch ups sort of once every three months, six months, or just once a year? How often is more preferable for you,\n\nChannel 1: Yep.\n\nChannel 0: Chris?\n\nChannel 1: Probably six months is fine. Yeah.\n\nChannel 0: Six\n\nChannel 1: Because\n\nChannel 0: months\n\nChannel 1: six months\n\nChannel 0: is good?\n\nChannel 1: goes pretty quick\n\nChannel 0: It does. I think the older we get, the faster it goes.\n\nChannel 1: nowadays. Well, like, they lost like a toilet roll. The shorter it gets, the faster it rolls.\n\nChannel 0: I've never heard that one. I quite like it. But no. That's all good. So I have attached the ongoing service agreement into that DocuSign for you.\n\nHave a look through the document. Let me know\n\nChannel 1: Yeah.\n\nChannel 0: if you do happen\n\nChannel 1: I've\n\nChannel 0: to\n\nChannel 1: been\n\nChannel 0: have\n\nChannel 1: having\n\nChannel 0: any questions.\n\nChannel 1: trouble with DocuSign. Like, real bad trouble with DocuSign. Is there any chance you can send it out to me and\n\nChannel 0: This is\n\nChannel 1: I can\n\nChannel 0: we\n\nChannel 1: sign up and send it back?\n\nChannel 0: yeah. We can post it out if you'd like to. It's not a problem at all.\n\nChannel 1: That'd\n\nChannel 0: We've\n\nChannel 1: be\n\nChannel 0: stopped\n\nChannel 1: that'd be\n\nChannel 0: using\n\nChannel 1: of course.\n\nChannel 0: DocuSign as a whole. This is a different one. It's called OdooSign. Did you want to try and give it a crack later on for me as well? I'll still get everyone to post a a copy of everything to you.\n\nBut\n\nChannel 1: Yes.\n\nChannel 0: if you could just pop in the emails and give this one a crack, this one might work a bit better because we were\n\nChannel 1: Okay.\n\nChannel 0: having some issues with DocuSign as well, and\n\nChannel 1: Yeah.\n\nChannel 0: that's\n\nChannel 1: DocuSign,\n\nChannel 0: why we've kind\n\nChannel 1: and\n\nChannel 0: of\n\nChannel 1: then I don't get along.\n\nChannel 0: no. Well, this is called OdooSign. It's a little bit easier to kind of work off. So when you open it, you'll see the sign button, and you sort of just follow the prompts through it or it's it's a lot easier than DocuSign was to use.\n\nChannel 1: Okay.\n\nChannel 0: So if you can have a look at that for me and let me know if you have any troubles, I can also get someone to maybe touch base in the next couple of days as well just to see and maybe talk you through it. But I'll also get someone to print and and send these out to you to sign manually as well. Okay? Yep. Fantastic.\n\nExcellent. Other than that, the other thing I sorta looked at here was the estate planning side of things. So I am making a recommendation, obviously, that you update your will. I can send you an email shortly if you like with some details on a local solicitor. It also has a bit of a costing guide on how much they charge to have a will drawn up just so you can have a bit of a look at it and consider that against your finances.\n\nChannel 1: Yep.\n\nChannel 0: With not having beneficiary nominations on your super, it does mean that in the event that you would have passed away currently, that your super is not may not be paid at to where you wanted it to go. You wanted to make sure it went to both of your children, Whereas at the moment, it goes with some kind of probate process where people can come out, make a claim, and it may not end up being paid to where you want it to be. I am making a recommendation that we update your beneficiary nominations to be a legal personal representative. That way, in the event of you passing, it goes through to your estate, to your will. And via your will, you can have that directed to your children however you like.\n\nThe reason I'm making this nomination the way it is and the reason your will needs to be updated is that when children are under the age of 18 or when they're tax dependents and their children","paragraphs":[{"sentences":[{"text":"Hello?","start":0.96,"end":1.46,"sentiment":"neutral","sentiment_score":-0.001678961794823408}],"sentiment":"neutral","sentiment_score":-0.001678961794823408,"channel":1,"num_words":1,"start":0.96,"end":1.46},{"sentences":[{"text":"I I I am.","start":1.92,"end":3.12,"sentiment":"neutral","sentiment_score":-0.033466418739408255},{"text":"Sorry.","start":3.12,"end":3.6,"sentiment":"neutral","sentiment_score":-0.1920013725757599},{"text":"It dropped out.","start":3.6,"end":4.24,"sentiment":"neutral","sentiment_score":-0.2984529236952464},{"text":"I do apologize if that was my 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out","start":10.08,"end":10.88,"sentiment":"neutral","sentiment_score":-0.14740905165672302}],"sentiment":"neutral","sentiment_score":-0.3021337063539596,"channel":1,"num_words":21,"start":6.48,"end":10.88},{"sentences":[{"text":"Oh,","start":10.8,"end":11.3,"sentiment":"neutral","sentiment_score":-0.06863401085138321}],"sentiment":"neutral","sentiment_score":-0.06863401085138321,"channel":0,"num_words":1,"start":10.8,"end":11.3},{"sentences":[{"text":"again.","start":10.88,"end":11.38,"sentiment":"neutral","sentiment_score":-0.03938528895378113}],"sentiment":"neutral","sentiment_score":-0.03938528895378113,"channel":1,"num_words":1,"start":10.88,"end":11.38},{"sentences":[{"text":"that's okay.","start":11.679999,"end":12.48,"sentiment":"neutral","sentiment_score":0.05514602269977331},{"text":"I'll I'll try to wrap it up fairly quickly for you.","start":12.48,"end":14.985,"sentiment":"neutral","sentiment_score":0.11467455835504965},{"text":"But I was just kind of explaining the ongoing service fee and everything.","start":15.1449995,"end":18.664999,"sentiment":"neutral","sentiment_score":0.0037357016251637386},{"text":"Did you what was the last part you heard there, Chris?","start":18.664999,"end":20.985,"sentiment":"neutral","sentiment_score":-0.01041477918624878},{"text":"I'm so sorry.","start":20.985,"end":21.805,"sentiment":"neutral","sentiment_score":-0.09851612399021785}],"sentiment":"neutral","sentiment_score":0.025254134135320783,"channel":0,"num_words":40,"start":11.679999,"end":21.805},{"sentences":[{"text":"Yeah.","start":23.365,"end":23.685,"sentiment":"neutral","sentiment_score":-0.026311714202165604},{"text":"It's a service 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it.","start":26.005,"end":28.44,"sentiment":"neutral","sentiment_score":-0.049689982552081347}],"sentiment":"neutral","sentiment_score":-0.049689982552081347,"channel":1,"num_words":8,"start":26.005,"end":28.44},{"sentences":[{"text":"yeah.","start":28.68,"end":29.0,"sentiment":"neutral","sentiment_score":0.028034085407853127}],"sentiment":"neutral","sentiment_score":0.028034085407853127,"channel":0,"num_words":1,"start":28.68,"end":29.0},{"sentences":[{"text":"That's","start":28.92,"end":29.42,"sentiment":"neutral","sentiment_score":0.02594446763396263}],"sentiment":"neutral","sentiment_score":0.02594446763396263,"channel":1,"num_words":1,"start":28.92,"end":29.42},{"sentences":[{"text":"So we we are gonna reinstate it back on.","start":29.0,"end":31.96,"sentiment":"neutral","sentiment_score":0.10453043133020401},{"text":"It does mean that we are looking after things.","start":31.96,"end":33.72,"sentiment":"neutral","sentiment_score":0.012609956992997063},{"text":"We have obviously had it turned off for the past couple of years and still kept monitoring and looking after things.","start":33.72,"end":38.54,"sentiment":"neutral","sentiment_score":-0.1472732119617008}],"sentiment":"neutral","sentiment_score":-0.05226856298171557,"channel":0,"num_words":39,"start":29.0,"end":38.54},{"sentences":[{"text":"fine.","start":38.440002,"end":38.84,"sentiment":"neutral","sentiment_score":0.006003344431519508},{"text":"Yep.","start":38.84,"end":39.16,"sentiment":"neutral","sentiment_score":0.02423323690891266}],"sentiment":"neutral","sentiment_score":0.015118290670216084,"channel":1,"num_words":2,"start":38.440002,"end":39.16},{"sentences":[{"text":"But 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it back on.","start":39.8,"end":43.255,"sentiment":"neutral","sentiment_score":0.0716174314064639},{"text":"I'll keep doing catch ups with you as much as you want.","start":43.495,"end":45.895,"sentiment":"neutral","sentiment_score":0.19996834422151247},{"text":"I know you don't want heaps of contact with us all the time.","start":45.895,"end":49.035,"sentiment":"neutral","sentiment_score":-0.03545424523046957},{"text":"Do you want catch ups sort of once every three months, six months, or just once a year?","start":49.175,"end":53.095,"sentiment":"neutral","sentiment_score":0.03111769590112898},{"text":"How often is more preferable for you,","start":53.095,"end":54.935,"sentiment":"neutral","sentiment_score":0.0912563002535275}],"sentiment":"neutral","sentiment_score":0.06469174391168053,"channel":0,"num_words":64,"start":39.8,"end":54.935},{"sentences":[{"text":"Yep.","start":54.775,"end":55.175,"sentiment":"neutral","sentiment_score":0.13497646152973175}],"sentiment":"neutral","sentiment_score":0.13497646152973175,"channel":1,"num_words":1,"start":54.775,"end":55.175},{"sentences":[{"text":"Chris?","start":54.935,"end":55.41,"sentiment":"neutral","sentiment_score":0.08888495713472366}],"sentiment":"neutral","sentiment_score":0.08888495713472366,"channel":0,"num_words":1,"start":54.935,"end":55.41},{"sentences":[{"text":"Probably six months is 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in the event that you would have passed away currently, that your super is not may not be paid at to where you wanted it to go.","start":166.35,"end":177.06999,"sentiment":"neutral","sentiment_score":-0.06553240894125058},{"text":"You wanted to make sure it went to both of your children, Whereas at the moment, it goes with some kind of probate process where people can come out, make a claim, and it may not end up being paid to where you want it to be.","start":177.06999,"end":189.195,"sentiment":"neutral","sentiment_score":-0.061673503448354434},{"text":"I am making a recommendation that we update your beneficiary nominations to be a legal personal representative.","start":189.255,"end":194.795,"sentiment":"neutral","sentiment_score":0.16638328354148305},{"text":"That way, in the event of you passing, it goes through to your estate, to your will.","start":195.48001,"end":199.8,"sentiment":"neutral","sentiment_score":0.16853217167012832},{"text":"And via your will, you can have that 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The representative explains that they will reinstate the service fee and provide catch-up updates once every three, six, or once a year. The representative also recommends updating the customer's beneficiary nominations to be a legal personal representative in case of a death due to a legal family member."},"intents":{"segments":[{"text":"But I was just kind of explaining the ongoing service fee and everything.","start_word":53,"end_word":65,"intents":[{"intent":"Explain service fee","confidence_score":0.53575385}]},{"text":"Do you want catch ups sort of once every three months, six months, or just once a year?","start_word":189,"end_word":206,"intents":[{"intent":"Schedule catch-ups","confidence_score":0.0070938244}]},{"text":"trouble with DocuSign.","start_word":309,"end_word":311,"intents":[{"intent":"Assist with docusign issues","confidence_score":0.0047274367}]},{"text":"Other than that, the other thing I sorta looked at here was the estate planning side of things.","start_word":572,"end_word":589,"intents":[{"intent":"Discuss estate planning","confidence_score":0.030931307}]},{"text":"So I am making a recommendation, obviously, that you update your will. I can send you an email shortly if you like with some details on a local solicitor. It also has a bit of a costing guide on how much they charge to have a will drawn up just so you can have a bit of a look at it and consider that against your finances.","start_word":590,"end_word":656,"intents":[{"intent":"Update will","confidence_score":0.3057905}]}]},"sentiments":{"segments":[{"text":"Hello? I I I am. Sorry. It dropped out. I do apologize if that was my end. No. No.","start_word":0,"end_word":18,"sentiment":"neutral","sentiment_score":-0.17340141534805298},{"text":"That that was my end because I'm in a I'm in a really bad area.","start_word":19,"end_word":33,"sentiment":"negative","sentiment_score":-0.3626096248626709},{"text":"It might drop out Oh, again. that's okay. I'll I'll try to wrap it up fairly quickly for you. But I was just kind of explaining the ongoing service fee and everything. Did you what was the last part you heard there, Chris? I'm so sorry. Yeah. It's a service fee Yeah. that Yep. you might So have to re re start to reinstate it. yeah. That's So we we are gonna reinstate it back on. It does mean that we are looking after things. We have obviously had it turned off for the past couple of years and still kept monitoring and looking after things. fine. But Yep. to make Yes. sure That's that fine. moving forward that everything is working harder, I do wanna turn it back on. I'll keep doing catch ups with you as much as you want. I know you don't want heaps of contact with us all the time. Do you want catch ups sort of once every three months, six months, or just once a year? How often is more preferable for you, Yep. Chris? Probably six months is fine. Yeah. Six Because months six months is good? goes pretty quick It does. I think the older we get, the faster it goes. nowadays. Well, like, they lost like a toilet roll. The shorter it gets, the faster it rolls. I've never heard that one.","start_word":34,"end_word":265,"sentiment":"neutral","sentiment_score":0.028547735884785652},{"text":"I quite like it.","start_word":266,"end_word":269,"sentiment":"positive","sentiment_score":0.33963873982429504},{"text":"But no. That's all good. So I have attached the ongoing service agreement into that DocuSign for you. Have a look through the document. Let me know Yeah. if you do happen I've to been have having any questions. trouble with DocuSign. Like, real bad trouble with DocuSign. Is there any chance you can send it out to me and This is I can we sign up and send it back? yeah. We can post it out if you'd like to. It's not a problem at all. That'd We've be stopped that'd be using of course. DocuSign as a whole. This is a different one. It's called OdooSign. Did you want to try and give it a crack later on for me as well? I'll still get everyone to post a a copy of everything to you. But Yes. if you could just pop in the emails and give this one a crack, this one might work a bit better because we were Okay. having some issues with DocuSign as well, and Yeah.","start_word":270,"end_word":442,"sentiment":"neutral","sentiment_score":0.023945407941937447},{"text":"that's DocuSign, why we've kind and of then I don't get along.","start_word":443,"end_word":454,"sentiment":"negative","sentiment_score":-0.4123152792453766},{"text":"no. Well, this is called OdooSign. It's a little bit easier to kind of work off. So when you open it, you'll see the sign button, and you sort of just follow the prompts through it or it's it's a lot easier than DocuSign was to use. Okay. So if you can have a look at that for me and let me know if you have any troubles, I can also get someone to maybe touch base in the next couple of days as well just to see and maybe talk you through it. But I'll also get someone to print and and send these out to you to sign manually as well. Okay?","start_word":455,"end_word":568,"sentiment":"neutral","sentiment_score":0.1443546955522738},{"text":"Yep. Fantastic. Excellent.","start_word":569,"end_word":571,"sentiment":"positive","sentiment_score":0.6243810653686523},{"text":"Other than that, the other thing I sorta looked at here was the estate planning side of things. So I am making a recommendation, obviously, that you update your will. I can send you an email shortly if you like with some details on a local solicitor. It also has a bit of a costing guide on how much they charge to have a will drawn up just so you can have a bit of a look at it and consider that against your finances. Yep. With not having beneficiary nominations on your super, it does mean that in the event that you would have passed away currently, that your super is not may not be paid at to where you wanted it to go. You wanted to make sure it went to both of your children, Whereas at the moment, it goes with some kind of probate process where people can come out, make a claim, and it may not end up being paid to where you want it to be. I am making a recommendation that we update your beneficiary nominations to be a legal personal representative. That way, in the event of you passing, it goes through to your estate, to your will. And via your will, you can have that directed to your children however you like. The reason I'm making this nomination the way it is and the reason your will needs to be updated is that when children are under the age of 18 or when they're tax dependents and their children","start_word":572,"end_word":829,"sentiment":"neutral","sentiment_score":0.06149226015563621}],"average":{"sentiment":"neutral","sentiment_score":0.035184127168360085}}}}