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But just because it is a new phone call there, if I could pass you through security against that name, date of birth, and current address. Perfect. Thanks for that one. Yep. So in regards to that one, I know you were saying about talking about increasing your risk profile because you are currently in a growth, and then this advice document was looking at bumping you up there to that high growth portfolio, which would increase your exposure from about an eight twenty split between growth and defensive assets to about a ninety ten sort of split, if that makes sense. So this is the document for that. So, obviously, we had to go yeah. So we'll run through all that that update. And then if you're happy to do that, then it'll get implemented because, obviously, we're still gonna do the research and everything just to make sure it is appropriate and everything. So this is the document that outlines everything for you. Feel free to have a read through it and everything as well once we get off the phone in regards to those changes there. Yep. Not a problem. I'll make sure you at least understand it all first. And then if you're happy just to sign away and then, yeah, if you don't wanna read through it word for word, that's more than fine as long as you get the gist. Perfect. Do you have it up there in front of you there? Has that come through? Perfect. Just to let you know, obviously, that was created for you. So it was finalized on the March 26 there. Prepared by myself and the team is an authorized representative on OQ Financial. In regards to best interest, Judy, if we can't put you in a better position, then we won't recommend it. So the whole goal is to constantly improve your position there. In regards to the goals that we did consider, so that takes into account that you wanna increase your exposure there for the high returns over that long term period. And then in regards to that, you just wanna make sure that you have a nice retirement fund and then ideally retire at the age of 67 then giving you time to retirement. We're just aiming to sort of put you in a better position over the next five to ten years, not so much the age of retirement there. In regards to estate planning thing, we just identified that you do need to have some beneficiaries in force just to in the event that anything did happen. And then also, we can retain a copy of the will there if you were to get one updated because you don't have that one in place. Yep. And then given that your beneficiary nomination list, Lauren Carter, just given that oh, Lorraine. Sorry. Given that it may not be considered a valid nomination, just given the relationship and the interdependency there, if you put it as your your will, then with that, you can sort of distribute it per your family members without it being an issue, and it would still be valid, if that makes sense. Perfect. In regards to the insurances there, you just said because you don't have any debts or any specific dependents or anything like that, you're happy just maintaining what you have currently, and you don't wish to review it until such time you buy a house or have a partner, things like that as well. Perfect. And then also one thing that was scoped out, but we're just keeping sort of a bit of an accountability partner on is just being able to your savings plan and building up that deposit there. We've just listed as a goal there for a potential property purchase in the future, but we didn't provide any specific advice in relation to that, if that makes sense. Perfect. The limited advice warning basically pertains to the fact that we're only providing advice on the superannuation and estate planning side of things. Everything else, we're just listed there because we're aware of it, but we're not actually providing a recommendation of. Now a brief summary there, Benjamin, in regards to the advice there is retaining that hub twenty four superannuation fund, changing your underlying investments, increasing that risk profile, establishing those beneficiary nominations, establishing a will and power of attorney. Now in regards to the superannuation side of things, obviously, if you're happy with everything we just implant in the background, it goes to filling out those beneficiary nomination forms and establishing a will of power of attorney with a solicitor, That is up to you even if you were to sign the advice here today, if that makes sense. Perfect. On page eight there and nine, you'll be able to see your current details in regards to your occupation, in regards to your assets and liabilities there as well. So feel free to have a look over that and make sure that is all correct. And then once you do that, the next page over there just goes over your current insurances that you do hold and the premium that you do pay for that. Perfect. Now on page 11 there, you will see the risk pro profile questionnaire, scored and recommended. So you did score that high growth. You're currently that growth. So we're looking at increasing that exposure slightly, in line with your risk profile and your goals of, like, pumping it up a little bit and 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Benjamin. It's Carl calling back from from. Yeah. It just dropped out. I thought I'd give it a quick second just before giving me a callback in case you're ringing me back there.\n\nApologies. But just because it is a new phone call there, if I could pass you through security against that name, date of birth, and current address. Perfect. Thanks for that one. Yep.\n\nSo in regards to that one, I know you were saying about talking about increasing your risk profile because you are currently in a growth, and then this advice document was looking at bumping you up there to that high growth portfolio, which would increase your exposure from about an eight twenty split between growth and defensive assets to about a ninety ten sort of split, if that makes sense. So this is the document for that. So, obviously, we had to go yeah. So we'll run through all that that update. And then if you're happy to do that, then it'll get implemented because, obviously, we're still gonna do the research and everything just to make sure it is appropriate and everything.\n\nSo this is the document that outlines everything for you. Feel free to have a read through it and everything as well once we get off the phone in regards to those changes there. Yep. Not a problem. I'll make sure you at least understand it all first.\n\nAnd then if you're happy just to sign away and then, yeah, if you don't wanna read through it word for word, that's more than fine as long as you get the gist. Perfect. Do you have it up there in front of you there? Has that come through? Perfect.\n\nJust to let you know, obviously, that was created for you. So it was finalized on the March 26 there. Prepared by myself and the team is an authorized representative on OQ Financial. In regards to best interest, Judy, if we can't put you in a better position, then we won't recommend it. So the whole goal is to constantly improve your position there.\n\nIn regards to the goals that we did consider, so that takes into account that you wanna increase your exposure there for the high returns over that long term period. And then in regards to that, you just wanna make sure that you have a nice retirement fund and then ideally retire at the age of 67 then giving you time to retirement. We're just aiming to sort of put you in a better position over the next five to ten years, not so much the age of retirement there. In regards to estate planning thing, we just identified that you do need to have some beneficiaries in force just to in the event that anything did happen. And then also, we can retain a copy of the will there if you were to get one updated because you don't have that one in place.\n\nYep. And then given that your beneficiary nomination list, Lauren Carter, just given that oh, Lorraine. Sorry. Given that it may not be considered a valid nomination, just given the relationship and the interdependency there, if you put it as your your will, then with that, you can sort of distribute it per your family members without it being an issue, and it would still be valid, if that makes sense. Perfect.\n\nIn regards to the insurances there, you just said because you don't have any debts or any specific dependents or anything like that, you're happy just maintaining what you have currently, and you don't wish to review it until such time you buy a house or have a partner, things like that as well. Perfect. And then also one thing that was scoped out, but we're just keeping sort of a bit of an accountability partner on is just being able to your savings plan and building up that deposit there. We've just listed as a goal there for a potential property purchase in the future, but we didn't provide any specific advice in relation to that, if that makes sense. Perfect.\n\nThe limited advice warning basically pertains to the fact that we're only providing advice on the superannuation and estate planning side of things. Everything else, we're just listed there because we're aware of it, but we're not actually providing a recommendation of. Now a brief summary there, Benjamin, in regards to the advice there is retaining that hub twenty four superannuation fund, changing your underlying investments, increasing that risk profile, establishing those beneficiary nominations, establishing a will and power of attorney. Now in regards to the superannuation side of things, obviously, if you're happy with everything we just implant in the background, it goes to filling out those beneficiary nomination forms and establishing a will of power of attorney with a solicitor, That is up to you even if you were to sign the advice here today, if that makes sense. Perfect.\n\nOn page eight there and nine, you'll be able to see your current details in regards to your occupation, in regards to your assets and liabilities there as well. So feel free to have a look over that and make sure that is all correct. And then once you do that, the next page over there just goes over your current insurances that you do hold and the premium that you do pay for that. Perfect. Now on page 11 there, you will see the risk pro profile questionnaire, scored and recommended.\n\nSo you did score that high growth. You're currently that growth. So we're looking at increasing that exposure slightly, in line with your risk profile and your goals of, like, pumping it up a little bit and wanting","paragraphs":[{"sentences":[{"text":"Hi, Benjamin.","start":2.8799999,"end":3.52,"sentiment":"neutral","sentiment_score":0.0456654354929924},{"text":"It's Carl calling back from from.","start":3.52,"end":5.22,"sentiment":"neutral","sentiment_score":0.030227496288716793},{"text":"Yeah.","start":8.24,"end":8.639999,"sentiment":"neutral","sentiment_score":-0.12692292034626007},{"text":"It just dropped out.","start":8.639999,"end":9.44,"sentiment":"neutral","sentiment_score":-0.22217822819948196},{"text":"I thought I'd give it a quick second just before giving me a callback in case you're ringing me back 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one.","start":27.7,"end":28.84,"sentiment":"positive","sentiment_score":0.7365240901708603},{"text":"Yep.","start":29.7,"end":30.18,"sentiment":"neutral","sentiment_score":0.21081265807151792}],"sentiment":"neutral","sentiment_score":0.08738845818196282,"num_words":33,"start":14.485,"end":30.18},{"sentences":[{"text":"So in regards to that one, I know you were saying about talking about increasing your risk profile because you are currently in a growth, and then this advice document was looking at bumping you up there to that high growth portfolio, which would increase your exposure from about an eight twenty split between growth and defensive assets to about a ninety ten sort of split, if that makes sense.","start":30.18,"end":48.715,"sentiment":"neutral","sentiment_score":0.05405138097703457},{"text":"So this is the document for that.","start":58.309998,"end":59.989998,"sentiment":"neutral","sentiment_score":0.05086678532617433},{"text":"So, obviously, we had to go yeah.","start":59.989998,"end":62.649998,"sentiment":"neutral","sentiment_score":0.038366155698895454},{"text":"So we'll run through all that that update.","start":62.789997,"end":64.63,"sentiment":"neutral","sentiment_score":0.1664645466953516},{"text":"And then if you're happy to do that, then it'll get implemented because, obviously, we're still gonna do the research and everything just to make sure it is appropriate and everything.","start":64.63,"end":71.765,"sentiment":"neutral","sentiment_score":0.14531685784459114}],"sentiment":"neutral","sentiment_score":0.08329078229522802,"num_words":123,"start":30.18,"end":71.765},{"sentences":[{"text":"So this is the document that outlines everything for you.","start":71.765,"end":74.405,"sentiment":"neutral","sentiment_score":0.24207141250371933},{"text":"Feel free to have a read through it and everything as well once we get off the phone in regards to those changes 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better position over the next five to ten years, not so much the age of retirement there.","start":145.26001,"end":151.185,"sentiment":"positive","sentiment_score":0.3725771697031127},{"text":"In regards to estate planning thing, we just identified that you do need to have some beneficiaries in force just to in the event that anything did happen.","start":151.665,"end":159.045,"sentiment":"neutral","sentiment_score":0.1592385582625866},{"text":"And then also, we can retain a copy of the will there if you were to get one updated because you don't have that one in place.","start":160.145,"end":167.36,"sentiment":"neutral","sentiment_score":0.08894964335141359}],"sentiment":"neutral","sentiment_score":0.2607845579241884,"num_words":145,"start":128.725,"end":167.36},{"sentences":[{"text":"Yep.","start":169.82,"end":170.32,"sentiment":"neutral","sentiment_score":0.10294389724731444},{"text":"And then given that your beneficiary nomination list, Lauren Carter, just given that oh, Lorraine.","start":170.86,"end":177.66,"sentiment":"neutral","sentiment_score":0.0976913129289945},{"text":"Sorry.","start":177.66,"end":178.16,"sentiment":"neutral","sentiment_score":-0.07105349004268646},{"text":"Given that it may not be considered a valid nomination, just given the relationship and the interdependency there, if you put it as your your will, then with that, you can sort of distribute it per your family members without it being an issue, and it would still be valid, if that makes sense.","start":178.38,"end":194.58,"sentiment":"neutral","sentiment_score":0.07313937155736817},{"text":"Perfect.","start":196.34,"end":196.84,"sentiment":"neutral","sentiment_score":0.00486203795298934}],"sentiment":"neutral","sentiment_score":0.07571733615542245,"num_words":72,"start":169.82,"end":196.84},{"sentences":[{"text":"In regards to the insurances there, you just said because you don't have any debts or any specific dependents or anything like that, you're happy just maintaining what you have currently, and you don't wish to review it until such time you buy a house or have a partner, things like that as well.","start":196.98,"end":208.545,"sentiment":"neutral","sentiment_score":0.10955337269438638},{"text":"Perfect.","start":210.385,"end":210.885,"sentiment":"positive","sentiment_score":0.5814563035964966},{"text":"And then also one thing that was scoped out, but we're just keeping sort of a bit of an accountability partner on is just being able to your savings plan and building up that deposit there.","start":211.425,"end":220.86499,"sentiment":"neutral","sentiment_score":0.27241257660918766},{"text":"We've just listed as a goal there for a potential property purchase in the future, but we didn't provide any specific advice in relation to that, if that makes sense.","start":220.86499,"end":227.52,"sentiment":"neutral","sentiment_score":0.12640895384053388},{"text":"Perfect.","start":229.42,"end":229.90001,"sentiment":"neutral","sentiment_score":0.32892197370529175}],"sentiment":"neutral","sentiment_score":0.16742116209791333,"num_words":122,"start":196.98,"end":229.90001},{"sentences":[{"text":"The limited advice warning basically pertains to the fact that we're only providing advice on the superannuation and estate planning side of things.","start":229.90001,"end":235.98001,"sentiment":"neutral","sentiment_score":-0.07014698761960735},{"text":"Everything else, we're just listed there because we're aware of it, but we're not actually providing a recommendation of.","start":235.98001,"end":240.855,"sentiment":"neutral","sentiment_score":-0.10988943749352505},{"text":"Now a brief summary there, Benjamin, in regards to the advice there is retaining that hub twenty four superannuation fund, changing your underlying investments, increasing that risk profile, establishing those beneficiary nominations, establishing a will and power of attorney.","start":241.155,"end":253.64,"sentiment":"neutral","sentiment_score":0.027766036777160108},{"text":"Now in regards to the superannuation side of things, obviously, if you're happy with everything we just implant in the background, it goes to filling out those beneficiary nomination forms and establishing a will of power of attorney with a solicitor, That is up to you even if you were to sign the advice here today, if that makes sense.","start":253.94,"end":269.035,"sentiment":"neutral","sentiment_score":0.03614138988777995},{"text":"Perfect.","start":270.855,"end":271.335,"sentiment":"positive","sentiment_score":0.3511694073677063}],"sentiment":"neutral","sentiment_score":-0.0006954351597478692,"num_words":142,"start":229.90001,"end":271.335},{"sentences":[{"text":"On page eight there and nine, you'll be able to see your current details in regards to your occupation, in regards to your 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Yeah. Hey, mate. Don't know what happened there. Sure. Benjamin Carter. 1990. 89 Mayer Road, Lane, Lavalier. Yeah. Because, yeah, I I called up oh, got someone to call up, you know, only a couple months ago, and we I went through all that, and we we changed it. This is the document for that? Oh, yeah. Cool. Yep. Yep. Okay. Cool. Yep. I'd I'd probably just sign it. Like, just just numbers to me. That'd be good. Yep. That is that's that sounds good to me. Hindu. I've got it in front of me. Yeah. Yeah. I still have a comment. Yep. Yep. Yep. Yep. Yep. Yep. 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Yeah. Hey, mate. Don't know what happened there. Sure.\n\nBenjamin Carter. 1990. 89 Mayer Road, Lane, Lavalier. Yeah. Because, yeah, I I called up oh, got someone to call up, you know, only a couple months ago, and we I went through all that, and we we changed it.\n\nThis is the document for that? Oh, yeah. Cool. Yep. Yep.\n\nOkay. Cool. Yep. I'd I'd probably just sign it. Like, just just numbers to me.\n\nThat'd be good. Yep. That is that's that sounds good to me. Hindu. I've got it in front of me.\n\nYeah. Yeah. I still have a comment. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yep.","paragraphs":[{"sentences":[{"text":"Hello?","start":5.8399997,"end":5.92,"sentiment":"neutral","sentiment_score":0.012671314179897308},{"text":"Yeah.","start":5.92,"end":6.16,"sentiment":"neutral","sentiment_score":0.0047117723152041435},{"text":"Hey, mate.","start":6.16,"end":6.7999997,"sentiment":"neutral","sentiment_score":-0.014346783980727196},{"text":"Don't know what happened there.","start":6.7999997,"end":8.02,"sentiment":"neutral","sentiment_score":-0.1309310480952263},{"text":"Sure.","start":19.515,"end":20.015,"sentiment":"neutral","sentiment_score":0.020566945895552635}],"sentiment":"neutral","sentiment_score":-0.06453987760469318,"num_words":10,"start":5.8399997,"end":20.015},{"sentences":[{"text":"Benjamin Carter.","start":20.235,"end":21.455,"sentiment":"neutral","sentiment_score":0.013906778302043676},{"text":"1990.","start":21.835,"end":23.935,"sentiment":"neutral","sentiment_score":0.014426644891500471},{"text":"89 Mayer Road, Lane, Lavalier.","start":24.474998,"end":26.01,"sentiment":"neutral","sentiment_score":0.02376697212457657},{"text":"Yeah.","start":48.955,"end":49.435,"sentiment":"neutral","sentiment_score":0.043310701847076416},{"text":"Because, yeah, I I called up oh, got someone to call up, you know, only a couple months ago, and we I went through all that, and we we changed it.","start":49.435,"end":57.670002,"sentiment":"neutral","sentiment_score":0.02076190019086484}],"sentiment":"neutral","sentiment_score":0.021200116747058927,"num_words":40,"start":20.235,"end":57.670002},{"sentences":[{"text":"This is the document for that?","start":60.37,"end":61.73,"sentiment":"neutral","sentiment_score":0.021704472601413727},{"text":"Oh, yeah.","start":61.73,"end":62.21,"sentiment":"neutral","sentiment_score":0.04237924516201019},{"text":"Cool.","start":62.21,"end":62.71,"sentiment":"neutral","sentiment_score":0.1880928575992584},{"text":"Yep.","start":64.61,"end":65.11,"sentiment":"neutral","sentiment_score":0.1185549721121788},{"text":"Yep.","start":67.57,"end":68.07,"sentiment":"neutral","sentiment_score":0.08905252069234848}],"sentiment":"neutral","sentiment_score":0.05551687966693531,"num_words":11,"start":60.37,"end":68.07},{"sentences":[{"text":"Okay.","start":69.49,"end":69.89,"sentiment":"neutral","sentiment_score":0.13928359746932983},{"text":"Cool.","start":69.89,"end":70.39,"sentiment":"positive","sentiment_score":0.33576419949531555},{"text":"Yep.","start":78.345,"end":78.845,"sentiment":"neutral","sentiment_score":0.0973704680800438},{"text":"I'd I'd probably just sign it.","start":81.705,"end":83.065,"sentiment":"neutral","sentiment_score":0.04745098575949669},{"text":"Like, just just numbers to me.","start":83.065,"end":85.92,"sentiment":"neutral","sentiment_score":0.040055772910515465}],"sentiment":"neutral","sentiment_score":0.07316392113765081,"num_words":15,"start":69.49,"end":85.92},{"sentences":[{"text":"That'd be good.","start":89.52,"end":90.42,"sentiment":"neutral","sentiment_score":0.12779327730337778},{"text":"Yep.","start":91.68,"end":92.08,"sentiment":"neutral","sentiment_score":0.022950954735279083},{"text":"That is that's that sounds good to me.","start":92.08,"end":97.299995,"sentiment":"positive","sentiment_score":0.3627799083478749},{"text":"Hindu.","start":98.605,"end":99.105,"sentiment":"neutral","sentiment_score":0.19399382174015045},{"text":"I've got it in front of me.","start":110.525,"end":111.645,"sentiment":"neutral","sentiment_score":0.21661855919020517}],"sentiment":"neutral","sentiment_score":0.2509446894749999,"num_words":20,"start":89.52,"end":111.645},{"sentences":[{"text":"Yeah.","start":111.645,"end":112.05,"sentiment":"neutral","sentiment_score":0.2950326204299927},{"text":"Yeah.","start":167.87,"end":168.11,"sentiment":"neutral","sentiment_score":0.07037076354026794},{"text":"I still have a comment.","start":168.11,"end":169.17,"sentiment":"neutral","sentiment_score":0.030397269874811172},{"text":"Yep.","start":194.925,"end":195.425,"sentiment":"neutral","sentiment_score":0.1600072681903839},{"text":"Yep.","start":208.93001,"end":209.43001,"sentiment":"neutral","sentiment_score":0.2962951064109802}],"sentiment":"neutral","sentiment_score":0.10818801199396451,"num_words":9,"start":111.645,"end":209.43001},{"sentences":[{"text":"Yep.","start":210.655,"end":211.155,"sentiment":"neutral","sentiment_score":0.3058532178401947},{"text":"Yep.","start":227.79,"end":228.29,"sentiment":"neutral","sentiment_score":0.21520569920539856},{"text":"Yep.","start":269.225,"end":269.725,"sentiment":"neutral","sentiment_score":0.09983247518539427},{"text":"Yep.","start":269.785,"end":270.285,"sentiment":"neutral","sentiment_score":0.1584256887435913},{"text":"Yep.","start":291.145,"end":291.645,"sentiment":"neutral","sentiment_score":0.2000657320022583}],"sentiment":"neutral","sentiment_score":0.19587656259536743,"num_words":5,"start":210.655,"end":291.645}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hi, Benjamin. It's Carl calling back from from.\n\nChannel 1: Hello? Yeah. Hey, mate. Don't know what happened there.\n\nChannel 0: Yeah. It just dropped out. I thought I'd give it a quick second just before giving me a callback in case you're ringing me back there. Apologies. But just because it is a new phone call there, if I could pass you through security against that name, date of birth, and current address.\n\nChannel 1: Sure. Benjamin Carter. 1990. 89 Mayer Road, Lane, Lavalier.\n\nChannel 0: Perfect. Thanks for that one. Yep. So in regards to that one, I know you were saying about talking about increasing your risk profile because you are currently in a growth, and then this advice document was looking at bumping you up there to that high growth portfolio, which would increase your exposure from about an eight twenty split between growth and defensive assets to about a ninety ten sort of split, if that makes sense.\n\nChannel 1: Yeah. Because, yeah, I I called up oh, got someone to call up, you know, only a couple months ago, and we I went through all that, and we we changed it.\n\nChannel 0: So this is the document for that. So, obviously,\n\nChannel 1: This is\n\nChannel 0: we\n\nChannel 1: the\n\nChannel 0: had\n\nChannel 1: document\n\nChannel 0: to go\n\nChannel 1: for that? Oh, yeah.\n\nChannel 0: yeah.\n\nChannel 1: Cool.\n\nChannel 0: So we'll run through all that that update.\n\nChannel 1: Yep.\n\nChannel 0: And then if you're happy to do that, then it'll get implemented because, obviously,\n\nChannel 1: Yep.\n\nChannel 0: we're still gonna do the research and everything just to make\n\nChannel 1: Okay.\n\nChannel 0: sure\n\nChannel 1: Cool.\n\nChannel 0: it is appropriate and everything. So this is the document that outlines everything for you. Feel free to have a read through it and everything as well once we get off the phone in\n\nChannel 1: Yep.\n\nChannel 0: regards to those changes there.\n\nChannel 1: I'd I'd probably just sign it. Like, just just numbers to me.\n\nChannel 0: Yep. Not a problem. I'll make sure you at least understand it all first. And then if\n\nChannel 1: That'd\n\nChannel 0: you're\n\nChannel 1: be\n\nChannel 0: happy\n\nChannel 1: good.\n\nChannel 0: just to sign away and then, yeah, if you\n\nChannel 1: Yep.\n\nChannel 0: don't wanna\n\nChannel 1: That is that's\n\nChannel 0: read through it word for word, that's more than fine as long as you get the gist.\n\nChannel 1: that sounds good to me.\n\nChannel 0: Perfect. Do you have it up there in front\n\nChannel 1: Hindu.\n\nChannel 0: of you there? Has that come through?\n\nChannel 1: I've got it in front of me. Yeah.\n\nChannel 0: Perfect. Just to let you know, obviously, that was created for you. So it was finalized on the March 26 there. Prepared by myself and the team is an authorized representative on OQ Financial. In regards to best interest, Judy, if we can't put you in a better position, then we won't recommend it.\n\nSo the whole goal is to constantly improve your position there. In regards to the goals that we did consider, so that takes into account that you wanna increase your exposure there for the high returns over that long term period. And then in regards to that, you just wanna make sure that you have a nice retirement fund and then ideally retire at the age of 67 then giving you time to retirement. We're just aiming to sort of put you in a better position over the next five to ten years, not so much the age of retirement there. In regards to estate planning thing, we just identified that you do need to have some beneficiaries in force just to in the event that anything did happen.\n\nAnd then also, we can retain a copy of the will there if you were to get one updated because you don't have that one in place.\n\nChannel 1: Yeah. I still have a comment.\n\nChannel 0: Yep. And then given that your beneficiary nomination list, Lauren Carter, just given that oh, Lorraine. Sorry. Given that it may not be considered a valid nomination, just given the relationship and the interdependency there, if you put it as your your will, then with that, you can sort of distribute it per your family members without it being an issue, and it would still be valid, if that makes sense.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. In regards to the insurances there, you just said because you don't have any debts or any specific dependents or anything like that, you're happy just maintaining what you have currently, and you don't wish to review it until such time you buy a house or have a partner, things like that as well.\n\nChannel 1: Yep.\n\nChannel 0: Perfect.\n\nChannel 1: Yep.\n\nChannel 0: And then also one thing that was scoped out, but we're just keeping sort of a bit of an accountability partner on is just being able to your savings plan and building up that deposit there. We've just listed as a goal there for a potential property purchase in the future, but we didn't provide any specific advice in relation to that, if that makes sense.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. The limited advice warning basically pertains to the fact that we're only providing advice on the superannuation and estate planning side of things. Everything else, we're just listed there because we're aware of it, but we're not actually providing a recommendation of. Now a brief summary there, Benjamin, in regards to the advice there is retaining that hub twenty four superannuation fund, changing your underlying investments, increasing that risk profile, establishing those beneficiary nominations, establishing a will and power of attorney. Now in regards to the superannuation side of things, obviously, if you're happy with everything we just implant in the background, it goes to filling out those beneficiary nomination forms and establishing a will of power of attorney with a solicitor, That is up to you even if you were to sign the advice here today, if that makes sense.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Perfect. On page eight there and nine, you'll be able to see your current details in regards to your occupation, in regards to your assets and liabilities there as well. So feel free to have a look over that and make sure that is all correct. And then once you do that, the next page over there just goes over your current insurances that you do hold and the premium that you do pay for that.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now on page 11 there, you will see the risk pro profile questionnaire, scored and recommended. So you did score that high growth. You're currently that growth. So we're looking at increasing that exposure slightly, in line with your risk profile and your goals of, like, pumping it up a little bit and wanting","paragraphs":[{"sentences":[{"text":"Hi, Benjamin.","start":2.8799999,"end":3.52,"sentiment":"neutral","sentiment_score":0.0456654354929924},{"text":"It's Carl calling back from from.","start":3.52,"end":5.22,"sentiment":"neutral","sentiment_score":0.030227496288716793}],"sentiment":"neutral","sentiment_score":0.034086981089785695,"channel":0,"num_words":8,"start":2.8799999,"end":5.22},{"sentences":[{"text":"Hello?","start":5.8399997,"end":5.92,"sentiment":"neutral","sentiment_score":0.012671314179897308},{"text":"Yeah.","start":5.92,"end":6.16,"sentiment":"neutral","sentiment_score":0.0047117723152041435},{"text":"Hey, mate.","start":6.16,"end":6.7999997,"sentiment":"neutral","sentiment_score":-0.014346783980727196},{"text":"Don't know what happened there.","start":6.7999997,"end":8.02,"sentiment":"neutral","sentiment_score":-0.1309310480952263}],"sentiment":"neutral","sentiment_score":-0.07399619132694271,"channel":1,"num_words":9,"start":5.8399997,"end":8.02},{"sentences":[{"text":"Yeah.","start":8.24,"end":8.639999,"sentiment":"neutral","sentiment_score":-0.12692292034626007},{"text":"It just dropped out.","start":8.639999,"end":9.44,"sentiment":"neutral","sentiment_score":-0.22217822819948196},{"text":"I thought I'd give it a quick second just before giving me a callback in case you're ringing me back there.","start":9.44,"end":13.94,"sentiment":"neutral","sentiment_score":-0.12324616348459608},{"text":"Apologies.","start":14.485,"end":14.724999,"sentiment":"neutral","sentiment_score":-0.1745668202638626},{"text":"But just because it is a new phone call there, if I could pass you through security against that name, date of birth, and current 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one.","start":27.7,"end":28.84,"sentiment":"positive","sentiment_score":0.7365240901708603},{"text":"Yep.","start":29.7,"end":30.18,"sentiment":"neutral","sentiment_score":0.21081265807151792},{"text":"So in regards to that one, I know you were saying about talking about increasing your risk profile because you are currently in a growth, and then this advice document was looking at bumping you up there to that high growth portfolio, which would increase your exposure from about an eight twenty split between growth and defensive assets to about a ninety ten sort of split, if that makes sense.","start":30.18,"end":48.715,"sentiment":"neutral","sentiment_score":0.05405138097703457}],"sentiment":"neutral","sentiment_score":0.10027395821127452,"channel":0,"num_words":76,"start":27.3,"end":48.715},{"sentences":[{"text":"Yeah.","start":48.955,"end":49.435,"sentiment":"neutral","sentiment_score":0.043310701847076416},{"text":"Because, yeah, I I called up oh, got someone to call up, you know, only a couple months ago, and we I went through all that, and we we changed it.","start":49.435,"end":57.670002,"sentiment":"neutral","sentiment_score":0.02076190019086484}],"sentiment":"neutral","sentiment_score":0.02146655024262145,"channel":1,"num_words":32,"start":48.955,"end":57.670002},{"sentences":[{"text":"So this is the document for that.","start":58.309998,"end":59.989998,"sentiment":"neutral","sentiment_score":0.05086678532617433},{"text":"So, obviously,","start":59.989998,"end":60.55,"sentiment":"neutral","sentiment_score":0.02941359020769596}],"sentiment":"neutral","sentiment_score":0.046099408633179136,"channel":0,"num_words":9,"start":58.309998,"end":60.55},{"sentences":[{"text":"This 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Lorraine.","start":170.86,"end":177.66,"sentiment":"neutral","sentiment_score":0.0976913129289945},{"text":"Sorry.","start":177.66,"end":178.16,"sentiment":"neutral","sentiment_score":-0.07105349004268646},{"text":"Given that it may not be considered a valid nomination, just given the relationship and the interdependency there, if you put it as your your will, then with that, you can sort of distribute it per your family members without it being an issue, and it would still be valid, if that makes 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of.","start":235.98001,"end":240.855,"sentiment":"neutral","sentiment_score":-0.10988943749352505},{"text":"Now a brief summary there, Benjamin, in regards to the advice there is retaining that hub twenty four superannuation fund, changing your underlying investments, increasing that risk profile, establishing those beneficiary nominations, establishing a will and power of attorney.","start":241.155,"end":253.64,"sentiment":"neutral","sentiment_score":0.027766036777160108},{"text":"Now in regards to the superannuation side of things, obviously, if you're happy with everything we just implant in the background, it goes to filling out those beneficiary nomination forms and establishing a will of power of attorney with a solicitor, That is up to you even if you were to sign the advice here today, if that makes 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make sure that is all correct.","start":278.98,"end":281.80002,"sentiment":"neutral","sentiment_score":0.2736486969515681},{"text":"And then once you do that, the next page over there just goes over your current insurances that you do hold and the premium that you do pay for that.","start":282.1,"end":289.395,"sentiment":"neutral","sentiment_score":0.15747021610538164}],"sentiment":"neutral","sentiment_score":0.19111567069041102,"channel":0,"num_words":76,"start":270.855,"end":289.395},{"sentences":[{"text":"Yep.","start":291.145,"end":291.645,"sentiment":"neutral","sentiment_score":0.2000657320022583}],"sentiment":"neutral","sentiment_score":0.2000657320022583,"channel":1,"num_words":1,"start":291.145,"end":291.645},{"sentences":[{"text":"Perfect.","start":292.35498,"end":292.85498,"sentiment":"neutral","sentiment_score":0.16593822836875916},{"text":"Now on page 11 there, you will see the risk pro profile questionnaire, scored and recommended.","start":293.315,"end":298.91498,"sentiment":"neutral","sentiment_score":0.1328665497712791},{"text":"So you did score that high growth.","start":298.91498,"end":300.275,"sentiment":"neutral","sentiment_score":0.3172962324959891},{"text":"You're currently that growth.","start":300.275,"end":301.155,"sentiment":"neutral","sentiment_score":0.11759074032306671},{"text":"So we're looking at increasing that exposure slightly, in line with your risk profile and your goals of, like, pumping it up a little bit and wanting","start":301.155,"end":308.66394,"sentiment":"neutral","sentiment_score":0.20244427466834033}],"sentiment":"neutral","sentiment_score":0.18998609144579282,"channel":0,"num_words":55,"start":292.35498,"end":308.66394}]},"summary":{"result":"success","short":"A representative from OQ Financial is speaking with a customer named Benjamin Carter to discuss his risk profile and portfolio. The representative explains that the advice document is for the customer to sign and that the changes will be implemented in the future. The representative also emphasizes the importance of retaining a hub twenty four superannuity fund and building a will and power of attorney with a solicitor."},"intents":{"segments":[{"text":"It's Carl calling back from from. Hello? Yeah.","start_word":2,"end_word":9,"intents":[{"intent":"Identify caller","confidence_score":0.000586031}]},{"text":"But just because it is a new phone call there, if I could pass you through security against that name, date of birth, and current address. Sure. Benjamin Carter.","start_word":44,"end_word":72,"intents":[{"intent":"Pass through security","confidence_score":0.65807104}]},{"text":"So we'll run through all that that update. Yep.","start_word":210,"end_word":218,"intents":[{"intent":"Go through update","confidence_score":0.008837504}]},{"text":"So we'll run through all that that update. Yep. And then if you're happy to do that, then it'll get implemented because, obviously, Yep. we're still gonna do the research and everything just to make Okay.","start_word":210,"end_word":245,"intents":[{"intent":"Implement update","confidence_score":0.23518337}]},{"text":"I'd I'd probably just sign it. Like, just just numbers to me.","start_word":288,"end_word":299,"intents":[{"intent":"Sign document","confidence_score":0.060305253}]},{"text":"Not a problem. I'll make sure you at least understand it all first. And then if That'd you're be happy good. just to sign away and then, yeah, if you Yep.","start_word":301,"end_word":331,"intents":[{"intent":"Get clarification","confidence_score":0.0038964231}]},{"text":"So it was finalized on the March 26 there. Prepared by myself and the team is an authorized representative on OQ Financial.","start_word":396,"end_word":417,"intents":[{"intent":"Finalize nomination","confidence_score":0.18385528}]},{"text":"In regards to best interest, Judy, if we can't put you in a better position, then we won't recommend it. So the whole goal is to constantly improve your position there.","start_word":418,"end_word":448,"intents":[{"intent":"Improve position","confidence_score":0.19615477}]},{"text":"And then also, we can retain a copy of the will there if you were to get one updated because you don't have that one in place. Yeah.","start_word":567,"end_word":594,"intents":[{"intent":"Keep will","confidence_score":0.04348842}]},{"text":"And then given that your beneficiary nomination list, Lauren Carter, just given that oh, Lorraine. Sorry. Given that it may not be considered a valid nomination, just given the relationship and the interdependency there, if you put it as your your will, then with that, you can sort of distribute it per your family members without it being an issue, and it would still be valid, if that makes sense. Yep.","start_word":601,"end_word":671,"intents":[{"intent":"Maintain nomination list","confidence_score":0.0012548488}]},{"text":"In regards to the insurances there, you just said because you don't have any debts or any specific dependents or anything like that, you're happy just maintaining what you have currently, and you don't wish to review it until such time you buy a house or have a partner, things like that as well.","start_word":674,"end_word":727,"intents":[{"intent":"Discuss insurances","confidence_score":0.01906526}]}]},"sentiments":{"segments":[{"text":"Hi, Benjamin. It's Carl calling back from from. Hello? Yeah. Hey, mate. Don't know what happened there. Yeah. It just dropped out. I thought I'd give it a quick second just before giving me a callback in case you're ringing me back there. Apologies. But just because it is a new phone call there, if I could pass you through security against that name, date of birth, and current address. Sure. Benjamin Carter. 1990. 89 Mayer Road, Lane, Lavalier.","start_word":0,"end_word":78,"sentiment":"neutral","sentiment_score":-0.05726056545972824},{"text":"Perfect. Thanks for that one.","start_word":79,"end_word":83,"sentiment":"positive","sentiment_score":0.7140622735023499},{"text":"Yep. So in regards to that one, I know you were saying about talking about increasing your risk profile because you are currently in a growth, and then this advice document was looking at bumping you up there to that high growth portfolio, which would increase your exposure from about an eight twenty split between growth and defensive assets to about a ninety ten sort of split, if that makes sense. Yeah. Because, yeah, I I called up oh, got someone to call up, you know, only a couple months ago, and we I went through all that, and we we changed it. So this is the document for that. So, obviously, This is we the had document to go for that? Oh, yeah. yeah. Cool. So we'll run through all that that update. Yep. And then if you're happy to do that, then it'll get implemented because, obviously, Yep. we're still gonna do the research and everything just to make Okay. sure Cool. it is appropriate and everything. So this is the document that outlines everything for you. Feel free to have a read through it and everything as well once we get off the phone in Yep. regards to those changes there. I'd I'd probably just sign it. Like, just just numbers to me. Yep. Not a problem. I'll make sure you at least understand it all first. And then if That'd you're be happy good. just to sign away and then, yeah, if you Yep. don't wanna That is that's read through it word for word, that's more than fine as long as you get the gist.","start_word":84,"end_word":353,"sentiment":"neutral","sentiment_score":0.09121580598530946},{"text":"that sounds good to me. Perfect.","start_word":354,"end_word":359,"sentiment":"positive","sentiment_score":0.590079665184021},{"text":"Do you have it up there in front Hindu. of you there? Has that come through? I've got it in front of me. Yeah.","start_word":360,"end_word":383,"sentiment":"neutral","sentiment_score":0.1821298897266388},{"text":"Perfect.","start_word":384,"end_word":384,"sentiment":"positive","sentiment_score":0.5403037071228027},{"text":"Just to let you know, obviously, that was created for you. So it was finalized on the March 26 there. Prepared by myself and the team is an authorized representative on OQ Financial. In regards to best interest, Judy, if we can't put you in a better position, then we won't recommend it. So the whole goal is to constantly improve your position there.","start_word":385,"end_word":448,"sentiment":"neutral","sentiment_score":0.01785331591963768},{"text":"In regards to the goals that we did consider, so that takes into account that you wanna increase your exposure there for the high returns over that long term period.","start_word":449,"end_word":478,"sentiment":"positive","sentiment_score":0.3394783139228821},{"text":"And then in regards to that, you just wanna make sure that you have a nice retirement fund and then ideally retire at the age of 67 then giving you time to retirement.","start_word":479,"end_word":511,"sentiment":"neutral","sentiment_score":0.3272850811481476},{"text":"We're just aiming to sort of put you in a better position over the next five to ten years, not so much the age of retirement there.","start_word":512,"end_word":538,"sentiment":"positive","sentiment_score":0.3806422650814056},{"text":"In regards to estate planning thing, we just identified that you do need to have some beneficiaries in force just to in the event that anything did happen. And then also, we can retain a copy of the will there if you were to get one updated because you don't have that one in place. Yeah. I still have a comment. Yep. And then given that your beneficiary nomination list, Lauren Carter, just given that oh, Lorraine. Sorry. Given that it may not be considered a valid nomination, just given the relationship and the interdependency there, if you put it as your your will, then with that, you can sort of distribute it per your family members without it being an issue, and it would still be valid, if that makes sense. Yep.","start_word":539,"end_word":671,"sentiment":"neutral","sentiment_score":0.0922277644276619},{"text":"Perfect.","start_word":672,"end_word":672,"sentiment":"positive","sentiment_score":0.487671822309494},{"text":"In regards to the insurances there, you just said because you don't have any debts or any specific dependents or anything like that, you're happy just maintaining what you have currently, and you don't wish to review it until such time you buy a house or have a partner, things like that as well. Yep.","start_word":673,"end_word":727,"sentiment":"neutral","sentiment_score":0.11613461375236513},{"text":"Perfect.","start_word":728,"end_word":728,"sentiment":"positive","sentiment_score":0.5814563035964966},{"text":"Yep. And then also one thing that was scoped out, but we're just keeping sort of a bit of an accountability partner on is just being able to your savings plan and building up that deposit there. We've just listed as a goal there for a potential property purchase in the future, but we didn't provide any specific advice in relation to that, if that makes sense. Yep. Perfect. The limited advice warning basically pertains to the fact that we're only providing advice on the superannuation and estate planning side of things. Everything else, we're just listed there because we're aware of it, but we're not actually providing a recommendation of. Now a brief summary there, Benjamin, in regards to the advice there is retaining that hub twenty four superannuation fund, changing your underlying investments, increasing that risk profile, establishing those beneficiary nominations, establishing a will and power of attorney. Now in regards to the superannuation side of things, obviously, if you're happy with everything we just implant in the background, it goes to filling out those beneficiary nomination forms and establishing a will of power of attorney with a solicitor, That is up to you even if you were to sign the advice here today, if that makes sense. Yep. Yep.","start_word":729,"end_word":940,"sentiment":"neutral","sentiment_score":0.06354629993438721},{"text":"Perfect.","start_word":941,"end_word":941,"sentiment":"positive","sentiment_score":0.3511694073677063},{"text":"On page eight there and nine, you'll be able to see your current details in regards to your occupation, in regards to your assets and liabilities there as well. So feel free to have a look over that and make sure that is all correct. And then once you do that, the next page over there just goes over your current insurances that you do hold and the premium that you do pay for that. Yep.","start_word":942,"end_word":1017,"sentiment":"neutral","sentiment_score":0.18983247876167297},{"text":"Perfect.","start_word":1018,"end_word":1018,"sentiment":"positive","sentiment_score":0.4004227221012115},{"text":"Now on page 11 there, you will see the risk pro profile questionnaire, scored and recommended. So you did score that high growth. You're currently that growth. So we're looking at increasing that exposure slightly, in line with your risk profile and your goals of, like, pumping it up a little bit and wanting","start_word":1019,"end_word":1072,"sentiment":"neutral","sentiment_score":0.19401589035987857}],"average":{"sentiment":"neutral","sentiment_score":0.11032435740409444}}}}