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Good morning, Steph. How are you and the kids been? Fantastic. Fantastic. A little bit croaky. The kids were sick last week, so I've gotta keep it short and sweet for you today. Do you still have about three, four minutes for me? No. That's okay. You know, I've got a I've got the six and three year old and a baby coming, and I I know exactly what it's like. So if there's a bit of a rustle, you pause when you need to. That's totally fine. So, Seth, what I need to do as part of this process is I just need to cover off on a few sort of more in-depth areas with you because we're obviously kind of splitting the advice with you and your partner into few different stages. So I just wanna make sure that you're comfortable with that. When you go through that statement of advice, I know Jake's pretty comfortable with the advice too, and it's pretty much a direct mirror for both of you guys. We were able to get you into the same super fund, same portfolio, and there wasn't any issue with fees or anything. So it all came out pretty well once we did the projections. Now what I wanted to just let you know is just when it comes to the insurance is because you're going back to work next month, we're, initially, just transferring the insurances that you have from your current super fund across. So as soon as you're back at work, we can submit that transfer, and then I was gonna get you and Jake booked in for that more in-depth sort of investment discussion after that. Whether it's a month or two from now, we just do it in a bit of two steps if that's okay. Perfect. So just to kind of let you know, I know you've gone through a bit of a recap, but we've done projections, two of them for you. One in the statement of advice is based on your return to work income, and one in the appendix is just based on no contributions at all just to make sure that you're still gonna be in a better position if there's a delay going back to work. Cool. All of the assets and liabilities are pretty well identical between you guys. We're going across again to high growth for your risk profile. So just bear in mind that both of you guys are pretty much going for as high returns as possible. It's gonna be a little bit of a roller coaster this year, bit of ups and downs in the super. But we also found out that your your current super fund doesn't have a high growth option. So there wasn't very many options to compare it to, if that makes sense. Cool. Did you have any sort of initial questions or or thoughts on anything you've heard so far today? Perfect. Perfect. And has has he actually gone through the advice document that we sent through for you? Yeah. Do you know if he's actually had a read through it yet? That's okay. So once that's all sorted, just we'll just make sure he's got, like, a signed copy for the both of you for your records. And if there's any questions that come off the back of it, just give us a call. Tell the girls during your welcome call. They'll do a bit of an intro with you guys and just set you up with security questions and things like that. Cool. Last two points for me. So just with the insurance side of things, the transfer terms was cheaper than what you currently have for the exact same insurances. So it was kind of a no brainer to go from $95 to 28 for transferring it across. Under the hood just offers it for cheaper, so it turned out really well there as well. Perfect. Estate planning wise, there'll be the beneficiaries. There's only one beneficiary, and it covers your life insurance and your super. Please just when you do that welcome call, let the girls know so they can prefill the forms for you. Just save you a bit of time. Awesome. That's pretty much everything for me. Again, fees are disclosed in there as well. We've got you on the partner's discount, 1.1% instead of 1.65. Can you just let Jake know that we will come back to him to update his as well? No worries. I know Bob's kind of restless now. I'm pretty much done. Do you have any questions for me? Easy done. Alright. We will talk to you soon. I'll leave it with you guys, and I look forward to chatting to you in the next one. Thank you so much. 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morning. You've got Tommy. Beautiful. Awesome. How's she going for time with the bob and everything all all good?\n\nYes. Yeah. Beautiful. Awesome, mate. Yeah.\n\nPop her through when you're ready. Good morning, Steph. How are you and the kids been? Fantastic. Fantastic.\n\nA little bit croaky. The kids were sick last week, so I've gotta keep it short and sweet for you today. Do you still have about three, four minutes for me? No. That's okay.\n\nYou know, I've got a I've got the six and three year old and a baby coming, and I I know exactly what it's like. So if there's a bit of a rustle, you pause when you need to. That's totally fine. So, Seth, what I need to do as part of this process is I just need to cover off on a few sort of more in-depth areas with you because we're obviously kind of splitting the advice with you and your partner into few different stages. So I just wanna make sure that you're comfortable with that.\n\nWhen you go through that statement of advice, I know Jake's pretty comfortable with the advice too, and it's pretty much a direct mirror for both of you guys. We were able to get you into the same super fund, same portfolio, and there wasn't any issue with fees or anything. So it all came out pretty well once we did the projections. Now what I wanted to just let you know is just when it comes to the insurance is because you're going back to work next month, we're, initially, just transferring the insurances that you have from your current super fund across. So as soon as you're back at work, we can submit that transfer, and then I was gonna get you and Jake booked in for that more in-depth sort of investment discussion after that.\n\nWhether it's a month or two from now, we just do it in a bit of two steps if that's okay. Perfect. So just to kind of let you know, I know you've gone through a bit of a recap, but we've done projections, two of them for you. One in the statement of advice is based on your return to work income, and one in the appendix is just based on no contributions at all just to make sure that you're still gonna be in a better position if there's a delay going back to work. Cool.\n\nAll of the assets and liabilities are pretty well identical between you guys. We're going across again to high growth for your risk profile. So just bear in mind that both of you guys are pretty much going for as high returns as possible. It's gonna be a little bit of a roller coaster this year, bit of ups and downs in the super. But we also found out that your your current super fund doesn't have a high growth option.\n\nSo there wasn't very many options to compare it to, if that makes sense. Cool. Did you have any sort of initial questions or or thoughts on anything you've heard so far today? Perfect. Perfect.\n\nAnd has has he actually gone through the advice document that we sent through for you? Yeah. Do you know if he's actually had a read through it yet? That's okay. So once that's all sorted, just we'll just make sure he's got, like, a signed copy for the both of you for your records.\n\nAnd if there's any questions that come off the back of it, just give us a call. Tell the girls during your welcome call. They'll do a bit of an intro with you guys and just set you up with security questions and things like that. Cool. Last two points for me.\n\nSo just with the insurance side of things, the transfer terms was cheaper than what you currently have for the exact same insurances. So it was kind of a no brainer to go from $95 to 28 for transferring it across. Under the hood just offers it for cheaper, so it turned out really well there as well. Perfect. Estate planning wise, there'll be the beneficiaries.\n\nThere's only one beneficiary, and it covers your life insurance and your super. Please just when you do that welcome call, let the girls know so they can prefill the forms for you. Just save you a bit of time. Awesome. That's pretty much everything for me.\n\nAgain, fees are disclosed in there as well. We've got you on the partner's discount, 1.1% instead of 1.65. Can you just let Jake know that we will come back to him to update his as well? No worries. I know Bob's kind of restless now.\n\nI'm pretty much done. Do you have any questions for me? Easy done. Alright. We will talk to you soon.\n\nI'll leave it with you guys, and I look forward to chatting to you in the next one. Thank you so much. 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that.","start":128.655,"end":140.08,"sentiment":"neutral","sentiment_score":0.0780468830729232}],"sentiment":"neutral","sentiment_score":0.17789774747106477,"num_words":138,"start":96.075,"end":140.08},{"sentences":[{"text":"Whether it's a month or two from now, we just do it in a bit of two steps if that's okay.","start":140.08,"end":144.98,"sentiment":"neutral","sentiment_score":0.06397776589507148},{"text":"Perfect.","start":147.2,"end":147.7,"sentiment":"positive","sentiment_score":0.49861425161361694},{"text":"So just to kind of let you know, I know you've gone through a bit of a recap, but we've done projections, two of them for you.","start":147.92,"end":153.895,"sentiment":"neutral","sentiment_score":0.12213080321197156},{"text":"One in the statement of advice is based on your return to work income, and one in the appendix is just based on no contributions at all just to make sure that you're still gonna be in a better position if there's a delay going back to work.","start":153.895,"end":166.795,"sentiment":"neutral","sentiment_score":0.03002896229736507},{"text":"Cool.","start":169.34,"end":169.84,"sentiment":"neutral","sentiment_score":0.14832720160484314}],"sentiment":"neutral","sentiment_score":0.06866731034705834,"num_words":98,"start":140.08,"end":169.84},{"sentences":[{"text":"All of the assets and liabilities are pretty well identical between you guys.","start":170.06,"end":173.52,"sentiment":"neutral","sentiment_score":0.134148742717046},{"text":"We're going across again to high growth for your risk profile.","start":174.22,"end":178.0,"sentiment":"neutral","sentiment_score":0.08999807793985713},{"text":"So just bear in mind that both of you guys are pretty much going for as high returns as possible.","start":178.06,"end":183.535,"sentiment":"neutral","sentiment_score":0.10675379987806081},{"text":"It's gonna be a little bit of a roller coaster this year, bit of ups and downs in the super.","start":183.675,"end":188.655,"sentiment":"neutral","sentiment_score":-0.05541279432363808},{"text":"But we also found out that your your current super fund doesn't have a high growth option.","start":189.035,"end":193.93501,"sentiment":"neutral","sentiment_score":-0.07141565553405706}],"sentiment":"neutral","sentiment_score":0.03144032690950014,"num_words":81,"start":170.06,"end":193.93501},{"sentences":[{"text":"So there wasn't very many options to compare it to, if that makes sense.","start":194.235,"end":199.29,"sentiment":"neutral","sentiment_score":-0.00026806390711239407},{"text":"Cool.","start":202.23,"end":202.73,"sentiment":"positive","sentiment_score":0.4196914136409759},{"text":"Did you have any sort of initial questions or or thoughts on anything you've heard so far today?","start":203.11,"end":207.93,"sentiment":"neutral","sentiment_score":0.13324574505289397},{"text":"Perfect.","start":210.405,"end":210.905,"sentiment":"neutral","sentiment_score":0.12236925959587096},{"text":"Perfect.","start":214.96501,"end":215.445,"sentiment":"positive","sentiment_score":0.5818448066711426}],"sentiment":"neutral","sentiment_score":0.10053074274744306,"num_words":35,"start":194.235,"end":215.445},{"sentences":[{"text":"And has has he actually gone through the advice document that we sent through for you?","start":215.445,"end":220.505,"sentiment":"neutral","sentiment_score":0.17694103065878153},{"text":"Yeah.","start":223.79,"end":224.29,"sentiment":"neutral","sentiment_score":0.0321459099650383},{"text":"Do you know if he's actually had a read through it yet?","start":224.34999,"end":226.76999,"sentiment":"neutral","sentiment_score":0.0317315012216568},{"text":"That's okay.","start":229.47,"end":230.11,"sentiment":"neutral","sentiment_score":0.009039215743541718},{"text":"So once that's all sorted, just we'll just make sure he's got, like, a signed copy for the both of you for your records.","start":230.11,"end":236.45,"sentiment":"neutral","sentiment_score":0.10065998482362677}],"sentiment":"neutral","sentiment_score":0.10323451786217365,"num_words":55,"start":215.445,"end":236.45},{"sentences":[{"text":"And if there's any questions that come off the back of it, just give us a call.","start":236.725,"end":240.585,"sentiment":"neutral","sentiment_score":0.10773780810482361},{"text":"Tell the girls during your welcome call.","start":240.645,"end":242.405,"sentiment":"neutral","sentiment_score":0.15161203805889403},{"text":"They'll do a bit of an intro with you guys and just set you up with security questions and things like that.","start":242.405,"end":247.625,"sentiment":"neutral","sentiment_score":0.16264188966967844},{"text":"Cool.","start":249.62,"end":250.12,"sentiment":"positive","sentiment_score":0.4742015898227692},{"text":"Last two points for me.","start":250.5,"end":251.54001,"sentiment":"positive","sentiment_score":0.4104303002357483}],"sentiment":"neutral","sentiment_score":0.17302503207555184,"num_words":52,"start":236.725,"end":251.54001},{"sentences":[{"text":"So just with the insurance side of things, the transfer terms was cheaper than what you currently have for the exact same insurances.","start":251.54001,"end":258.28,"sentiment":"positive","sentiment_score":0.42498732520186383},{"text":"So it was kind of a no brainer to go from $95 to 28 for transferring it across.","start":258.66,"end":264.845,"sentiment":"positive","sentiment_score":0.40273939569791156},{"text":"Under the hood just offers it for cheaper, so it turned out really well there as well.","start":266.265,"end":270.20502,"sentiment":"positive","sentiment_score":0.45148424365941214},{"text":"Perfect.","start":273.545,"end":274.045,"sentiment":"positive","sentiment_score":0.4930369555950165},{"text":"Estate planning wise, there'll be the beneficiaries.","start":275.625,"end":278.63,"sentiment":"neutral","sentiment_score":0.22568957933357783}],"sentiment":"positive","sentiment_score":0.4056380872022022,"num_words":66,"start":251.54001,"end":278.63},{"sentences":[{"text":"There's only one beneficiary, and it covers your life insurance and your super.","start":278.77,"end":282.47,"sentiment":"neutral","sentiment_score":0.15898113010021356},{"text":"Please just when you do that welcome call, let the girls know so they can prefill the forms for you.","start":282.69,"end":286.44998,"sentiment":"neutral","sentiment_score":0.2106395274400711},{"text":"Just save you a bit of time.","start":286.44998,"end":287.83,"sentiment":"neutral","sentiment_score":0.19669009745121002},{"text":"Awesome.","start":289.98502,"end":290.48502,"sentiment":"positive","sentiment_score":0.507881760597229},{"text":"That's pretty much everything for me.","start":290.86502,"end":292.945,"sentiment":"positive","sentiment_score":0.4610154132048289}],"sentiment":"neutral","sentiment_score":0.23256064174657173,"num_words":47,"start":278.77,"end":292.945},{"sentences":[{"text":"Again, fees are disclosed in there as well.","start":292.945,"end":294.785,"sentiment":"neutral","sentiment_score":0.23202970437705517},{"text":"We've got you on the partner's discount, 1.1% instead of 1.65.","start":294.785,"end":299.285,"sentiment":"neutral","sentiment_score":0.2167462476275184},{"text":"Can you just let Jake know that we will come back to him to update his as well?","start":299.42502,"end":303.24,"sentiment":"neutral","sentiment_score":0.17232569721009997},{"text":"No worries.","start":305.8,"end":306.53998,"sentiment":"neutral","sentiment_score":0.10402648523449898},{"text":"I know Bob's kind of restless now.","start":306.91998,"end":309.31998,"sentiment":"neutral","sentiment_score":-0.10338820357407842}],"sentiment":"neutral","sentiment_score":0.14840531422068243,"num_words":46,"start":292.945,"end":309.31998},{"sentences":[{"text":"I'm pretty much done.","start":309.31998,"end":310.28,"sentiment":"neutral","sentiment_score":0.15950999781489372},{"text":"Do you have any questions for me?","start":310.28,"end":311.74,"sentiment":"neutral","sentiment_score":0.08649080353123802},{"text":"Easy done.","start":313.8,"end":314.44,"sentiment":"neutral","sentiment_score":0.05703685618937016},{"text":"Alright.","start":314.44,"end":314.94,"sentiment":"neutral","sentiment_score":0.30652424693107605},{"text":"We will talk to you soon.","start":315.31998,"end":316.52,"sentiment":"positive","sentiment_score":0.3360440631707509}],"sentiment":"neutral","sentiment_score":0.18401689771562815,"num_words":20,"start":309.31998,"end":316.52},{"sentences":[{"text":"I'll leave it with you guys, and I look forward to chatting to you in the next one.","start":316.52,"end":320.865,"sentiment":"positive","sentiment_score":0.437498324447208},{"text":"Thank you so much.","start":323.085,"end":323.88498,"sentiment":"positive","sentiment_score":0.8878159672021866},{"text":"Have a great day.","start":323.88498,"end":324.785,"sentiment":"positive","sentiment_score":0.8289469480514526}],"sentiment":"positive","sentiment_score":0.5670008269640116,"num_words":26,"start":316.52,"end":324.785}]}}]},{"alternatives":[{"transcript":"Hey, mate. Fabian. All done and dusted. She is pretty as she's juggling Bob's while she was doing everything. But, yeah, she's just crazy. She's just like, yep. If Jake said it's good, that's all good. I know he does his homework. He's just, yeah, very crazy. Right. Let's get her. Thanks for holding. So I've got Tommy on the line. As I said, for compliance, he will just quickly touch on a few things, and then we'll get out of your hair and get you back to your day. Thank you. Alright. Take care. You too. Yeah. Good. How are you? Yeah. I have Hudson on me, so if you keep crying, it's just because he's on me. Like, he's just chilling. He's not napping. Yeah. All good. Yes. Okay. Okay. Yes. Mhmm. Yeah. It's fine. Mhmm. Yes. Yeah. Yeah. That's all good. No. That's more Jake's domain. So if there's any questions, you'll be calling from him. For me? Have I gone through it? Oh, I don't know. I don't know. Yeah. Okay. Mhmm. Yes. Sounds good. Okay. Okay. Sounds good. No. I don't. Alright. Perfect. Thank you. You too. 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mate. Fabian. All done and dusted. She is pretty as she's juggling Bob's while she was doing everything. But, yeah, she's just crazy.\n\nShe's just like, yep. If Jake said it's good, that's all good. I know he does his homework. He's just, yeah, very crazy. Right.\n\nLet's get her. Thanks for holding. So I've got Tommy on the line. As I said, for compliance, he will just quickly touch on a few things, and then we'll get out of your hair and get you back to your day. Thank you.\n\nAlright. Take care. You too. Yeah. Good.\n\nHow are you? Yeah. I have Hudson on me, so if you keep crying, it's just because he's on me. Like, he's just chilling. He's not napping.\n\nYeah. All good. Yes. Okay. Okay.\n\nYes. Mhmm. Yeah. It's fine. Mhmm.\n\nYes. Yeah. Yeah. That's all good. No.\n\nThat's more Jake's domain. So if there's any questions, you'll be calling from him. For me? Have I gone through it? Oh, I don't know.\n\nI don't know. Yeah. Okay. Mhmm. Yes.\n\nSounds good. Okay. Okay. Sounds good. No.\n\nI don't. Alright. Perfect. Thank you. You too.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hey, mate.","start":3.12,"end":3.86,"sentiment":"positive","sentiment_score":0.5252469480037689},{"text":"Fabian.","start":3.9199998,"end":4.42,"sentiment":"positive","sentiment_score":0.4604045748710632},{"text":"All done and dusted.","start":5.2799997,"end":6.58,"sentiment":"positive","sentiment_score":0.38301942497491837},{"text":"She is pretty as she's juggling Bob's while she was doing everything.","start":6.7999997,"end":16.165,"sentiment":"neutral","sentiment_score":0.28676157755156356},{"text":"But, yeah, she's just crazy.","start":16.385,"end":17.904999,"sentiment":"neutral","sentiment_score":0.17698461040854455}],"sentiment":"neutral","sentiment_score":0.30704325639332336,"num_words":24,"start":3.12,"end":17.904999},{"sentences":[{"text":"She's just like, yep.","start":17.904999,"end":18.865,"sentiment":"neutral","sentiment_score":0.24559477716684341},{"text":"If Jake said it's good, that's all 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You've got Tommy.\n\nChannel 1: Hey,\n\nChannel 0: Beautiful.\n\nChannel 1: mate. Fabian. All done and dusted. She is pretty as\n\nChannel 0: Awesome. How's she going for time with the bob and everything all all good?\n\nChannel 1: she's juggling Bob's while she was doing everything. But, yeah,\n\nChannel 0: Yes.\n\nChannel 1: she's just crazy. She's just like, yep. If Jake said it's good, that's all good. I know he does his homework. He's just, yeah, very crazy.\n\nChannel 0: Yeah. Beautiful. Awesome, mate. Yeah. Pop her through when you're ready.\n\nChannel 1: Right. Let's get her. Thanks for holding. So I've got Tommy on the line. As I said, for compliance, he will just quickly touch on a few things, and then we'll get out of your hair and get you back to your day.\n\nThank you. Alright. Take care. You too.\n\nChannel 0: Good morning, Steph. How are you and the kids been?\n\nChannel 1: Yeah. Good. How are you?\n\nChannel 0: Fantastic. Fantastic. A little bit croaky. The kids were sick last week, so I've gotta keep it short and sweet for you today. Do you still have about three, four minutes for me?\n\nChannel 1: Yeah. I have Hudson on me, so if you keep crying, it's just because he's on me. Like, he's just\n\nChannel 0: No.\n\nChannel 1: chilling.\n\nChannel 0: That's okay.\n\nChannel 1: He's\n\nChannel 0: You\n\nChannel 1: not\n\nChannel 0: know, I've\n\nChannel 1: napping.\n\nChannel 0: got a I've got the six and three year old and a baby coming, and I I know exactly what it's like. So if there's a bit of a rustle, you pause when you need to. That's totally fine.\n\nChannel 1: Yeah. All good.\n\nChannel 0: So, Seth, what I need to do as part of this process is I just need to cover off on a few sort of more in-depth areas with you because we're obviously kind of splitting the advice with you and your partner into few different stages. So I just wanna make\n\nChannel 1: Yes.\n\nChannel 0: sure that you're comfortable with that. When you go through that statement of advice, I know Jake's pretty comfortable with the advice too, and it's pretty much a direct mirror for both of you guys. We were able to get you into\n\nChannel 1: Okay.\n\nChannel 0: the same super fund, same portfolio, and there wasn't any issue with fees or anything. So it all came out pretty well once we did the projections.\n\nChannel 1: Okay.\n\nChannel 0: Now what I wanted to just let you know is just when it comes to the insurance is because you're going back to work next month, we're, initially, just transferring the insurances that you have from your current super fund across. So as soon as\n\nChannel 1: Yes.\n\nChannel 0: you're back at work, we can submit that transfer, and then I was gonna\n\nChannel 1: Mhmm.\n\nChannel 0: get you and Jake booked in for that more in-depth sort of investment discussion after that. Whether it's a month or two from now, we just do it in a bit of two steps if that's okay.\n\nChannel 1: Yeah. It's fine.\n\nChannel 0: Perfect. So just to kind of let you know, I know you've gone through a bit of a recap, but we've done projections, two of them for you. One in the statement of advice is based on your return to work income, and\n\nChannel 1: Mhmm.\n\nChannel 0: one in the appendix is just based on no contributions at all just to make sure that you're still gonna be in a\n\nChannel 1: Yes.\n\nChannel 0: better position if there's a delay going back to work. Cool. All of the assets and liabilities are pretty well identical between you guys. We're going across again to high growth for your risk profile. So just bear in mind that both of you guys are pretty much going for as high returns as possible.\n\nIt's gonna be a little bit of a roller coaster this year, bit of ups and downs in the super. But we also found out that your your current super fund doesn't have a high growth option. So there wasn't very many options to compare it to, if that makes sense.\n\nChannel 1: Yeah. Yeah. That's all good.\n\nChannel 0: Cool. Did you have any sort of initial questions or or thoughts on anything you've heard so far today?\n\nChannel 1: No.\n\nChannel 0: Perfect.\n\nChannel 1: That's more Jake's domain. So if there's any questions, you'll be calling from him.\n\nChannel 0: Perfect. And has has he actually gone through the advice document that we sent through for you?\n\nChannel 1: For me? Have I gone through\n\nChannel 0: Yeah.\n\nChannel 1: it?\n\nChannel 0: Do you know if he's actually had a read through it yet?\n\nChannel 1: Oh, I don't know.\n\nChannel 0: That's okay.\n\nChannel 1: I\n\nChannel 0: So\n\nChannel 1: don't\n\nChannel 0: once\n\nChannel 1: know.\n\nChannel 0: that's all\n\nChannel 1: Yeah.\n\nChannel 0: sorted, just we'll just make sure he's got, like, a signed copy for the both of you for your records. And if there's any questions that come off the back of it, just give us a call. Tell the girls during your welcome call. They'll do a bit of an intro with you guys and just set you up with security questions and things like that.\n\nChannel 1: Okay.\n\nChannel 0: Cool. Last two points for me. So just with the insurance side of things, the transfer terms was cheaper than what you currently have for the exact same insurances. So it was kind of a no brainer to go from $95 to 28 for transferring it across. Under the hood just offers it for cheaper, so it turned out really well there as well.\n\nChannel 1: Mhmm. Yes. Sounds\n\nChannel 0: Perfect.\n\nChannel 1: good.\n\nChannel 0: Estate planning wise, there'll be the beneficiaries. There's only one beneficiary, and it covers your life insurance and your super. Please just when you do that welcome call, let the girls know so they can prefill the forms for you. Just save you a bit of time.\n\nChannel 1: Okay.\n\nChannel 0: Awesome. That's pretty much everything for me. Again, fees are disclosed in there as well. We've got you on the partner's discount, 1.1% instead of 1.65. Can you just let Jake know that we will come back to him to update his as well?\n\nChannel 1: Okay. Sounds\n\nChannel 0: No worries. I know Bob's kind\n\nChannel 1: good.\n\nChannel 0: of restless now. I'm pretty much done. Do you have any questions for me?\n\nChannel 1: No. I don't.\n\nChannel 0: Easy done. Alright. We will talk to you soon. I'll leave it with you guys, and I look forward to chatting to you in the next one.\n\nChannel 1: Alright. Perfect. Thank you.\n\nChannel 0: Thank you so much. Have a great day.\n\nChannel 1: You too. Bye.","paragraphs":[{"sentences":[{"text":"Good morning.","start":1.28,"end":1.8399999,"sentiment":"neutral","sentiment_score":0.3137415796518326},{"text":"You've got 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1.65.","start":294.785,"end":299.285,"sentiment":"neutral","sentiment_score":0.2167462476275184},{"text":"Can you just let Jake know that we will come back to him to update his as well?","start":299.42502,"end":303.24,"sentiment":"neutral","sentiment_score":0.17232569721009997}],"sentiment":"neutral","sentiment_score":0.24127916246652603,"channel":0,"num_words":44,"start":289.98502,"end":303.24},{"sentences":[{"text":"Okay.","start":304.05,"end":304.55,"sentiment":"neutral","sentiment_score":0.09226691722869872},{"text":"Sounds","start":304.69,"end":305.19,"sentiment":"neutral","sentiment_score":0.0876028835773468}],"sentiment":"neutral","sentiment_score":0.08993490040302277,"channel":1,"num_words":2,"start":304.05,"end":305.19},{"sentences":[{"text":"No worries.","start":305.8,"end":306.53998,"sentiment":"neutral","sentiment_score":0.10402648523449898},{"text":"I know Bob's 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me?","start":310.28,"end":311.74,"sentiment":"neutral","sentiment_score":0.08649080353123802}],"sentiment":"neutral","sentiment_score":0.0482658999306815,"channel":0,"num_words":14,"start":307.88,"end":311.74},{"sentences":[{"text":"No.","start":312.29,"end":312.53,"sentiment":"neutral","sentiment_score":-0.09011813253164291},{"text":"I don't.","start":312.53,"end":313.19,"sentiment":"neutral","sentiment_score":-0.11576760187745094}],"sentiment":"neutral","sentiment_score":-0.1072177787621816,"channel":1,"num_words":3,"start":312.29,"end":313.19},{"sentences":[{"text":"Easy done.","start":313.8,"end":314.44,"sentiment":"neutral","sentiment_score":0.05703685618937016},{"text":"Alright.","start":314.44,"end":314.94,"sentiment":"neutral","sentiment_score":0.30652424693107605},{"text":"We will talk to you soon.","start":315.31998,"end":316.52,"sentiment":"positive","sentiment_score":0.3360440631707509},{"text":"I'll leave it with you guys, and I look forward to chatting to you in the next one.","start":316.52,"end":320.865,"sentiment":"positive","sentiment_score":0.437498324447208}],"sentiment":"positive","sentiment_score":0.38191971031052097,"channel":0,"num_words":27,"start":313.8,"end":320.865},{"sentences":[{"text":"Alright.","start":321.26498,"end":321.745,"sentiment":"positive","sentiment_score":0.3355719745159149},{"text":"Perfect.","start":321.745,"end":322.225,"sentiment":"positive","sentiment_score":0.5379691123962402},{"text":"Thank you.","start":322.225,"end":322.965,"sentiment":"positive","sentiment_score":0.46591880917549133}],"sentiment":"positive","sentiment_score":0.45134467631578445,"channel":1,"num_words":4,"start":321.26498,"end":322.965},{"sentences":[{"text":"Thank you so much.","start":323.085,"end":323.88498,"sentiment":"positive","sentiment_score":0.8878159672021866},{"text":"Have a great day.","start":323.88498,"end":324.785,"sentiment":"positive","sentiment_score":0.8289469480514526}],"sentiment":"positive","sentiment_score":0.8583814576268196,"channel":0,"num_words":8,"start":323.085,"end":324.785},{"sentences":[{"text":"You too.","start":324.945,"end":325.585,"sentiment":"positive","sentiment_score":0.5841832458972931},{"text":"Bye.","start":325.585,"end":326.085,"sentiment":"neutral","sentiment_score":-0.08096914738416672}],"sentiment":"positive","sentiment_score":0.3624657814701398,"channel":1,"num_words":3,"start":324.945,"end":326.085}]},"summary":{"result":"success","short":"A representative from a financial company is speaking with a customer named Steph, who is returning to work. The representative explains that they will cover some more in-depth financial topics, including insurance and retirement plans, and provides information on transferring insurance and retirement plans. The representative also reminds Steph to let her agents know if she needs help with anything and mentions a referral bonus."},"intents":{"segments":[{"text":"So, Seth, what I need to do as part of this process is I just need to cover off on a few sort of more in-depth areas with you because we're obviously kind of splitting the advice with you and your partner into few different stages.","start_word":249,"end_word":294,"intents":[{"intent":"Recover advice about split stages","confidence_score":1.3810701e-9}]},{"text":"you're back at work, we can submit that transfer, and then I was gonna Mhmm. get you and Jake booked in for that more in-depth sort of investment discussion after that. Whether it's a month or two from now, we just do it in a bit of two steps if that's okay. Yeah.","start_word":418,"end_word":470,"intents":[{"intent":"Submit transfer","confidence_score":0.71342784}]},{"text":"get you and Jake booked in for that more in-depth sort of investment discussion after that. Whether it's a month or two from now, we just do it in a bit of two steps if that's okay. Yeah.","start_word":433,"end_word":470,"intents":[{"intent":"Attend investment discussion","confidence_score":0.009452271}]},{"text":"But we also found out that your your current super fund doesn't have a high growth option. So there wasn't very many options to compare it to, if that makes sense. Yeah.","start_word":616,"end_word":647,"intents":[{"intent":"Compare funds","confidence_score":0.06217752}]},{"text":"And has has he actually gone through the advice document that we sent through for you? For me?","start_word":688,"end_word":705,"intents":[{"intent":"Offer help with paperwork","confidence_score":0.000003641388}]}]},"sentiments":{"segments":[{"text":"Good morning. You've got Tommy.","start_word":0,"end_word":4,"sentiment":"neutral","sentiment_score":0.28889647126197815},{"text":"Hey, Beautiful. mate. Fabian. All done and dusted. She is pretty as Awesome. How's she going for time with the bob and everything all all good?","start_word":5,"end_word":30,"sentiment":"positive","sentiment_score":0.4986900985240936},{"text":"she's juggling Bob's while she was doing everything. But, yeah, Yes. she's just crazy. She's just like, yep.","start_word":31,"end_word":48,"sentiment":"neutral","sentiment_score":0.14569330215454102},{"text":"If Jake said it's good, that's all good.","start_word":49,"end_word":56,"sentiment":"positive","sentiment_score":0.41839295625686646},{"text":"I know he does his homework. He's just, yeah, very crazy. Yeah.","start_word":57,"end_word":68,"sentiment":"neutral","sentiment_score":0.12578964233398438},{"text":"Beautiful. Awesome, mate.","start_word":69,"end_word":71,"sentiment":"positive","sentiment_score":0.5839357376098633},{"text":"Yeah. Pop her through when you're ready. Right. Let's get her.","start_word":72,"end_word":82,"sentiment":"neutral","sentiment_score":0.163685142993927},{"text":"Thanks for holding.","start_word":83,"end_word":85,"sentiment":"positive","sentiment_score":0.441091924905777},{"text":"So I've got Tommy on the line. As I said, for compliance, he will just quickly touch on a few things, and then we'll get out of your hair and get you back to your day.","start_word":86,"end_word":121,"sentiment":"neutral","sentiment_score":0.1923198401927948},{"text":"Thank you.","start_word":122,"end_word":123,"sentiment":"positive","sentiment_score":0.33600783348083496},{"text":"Alright. Take care. You too. Good morning, Steph. How are you and the kids been? Yeah. Good. How are you?","start_word":124,"end_word":143,"sentiment":"neutral","sentiment_score":0.1592075228691101},{"text":"Fantastic.","start_word":144,"end_word":144,"sentiment":"positive","sentiment_score":0.4699080288410187},{"text":"Fantastic. A little bit croaky. The kids were sick last week, so I've gotta keep it short and sweet for you today. Do you still have about three, four minutes for me? Yeah. I have Hudson on me, so if you keep crying, it's just because he's on me. Like, he's just No. chilling. That's okay. He's You not know, I've napping. got a I've got the six and three year old and a baby coming, and I I know exactly what it's like. So if there's a bit of a rustle, you pause when you need to. That's totally fine. Yeah. All good. So, Seth, what I need to do as part of this process is I just need to cover off on a few sort of more in-depth areas with you because we're obviously kind of splitting the advice with you and your partner into few different stages. So I just wanna make Yes. sure that you're comfortable with that. When you go through that statement of advice, I know Jake's pretty comfortable with the advice too, and it's pretty much a direct mirror for both of you guys. We were able to get you into Okay. the same super fund, same portfolio, and there wasn't any issue with fees or anything.","start_word":145,"end_word":358,"sentiment":"neutral","sentiment_score":0.028350364625732476},{"text":"So it all came out pretty well once we did the projections.","start_word":359,"end_word":370,"sentiment":"positive","sentiment_score":0.4742322266101837},{"text":"Okay. Now what I wanted to just let you know is just when it comes to the insurance is because you're going back to work next month, we're, initially, just transferring the insurances that you have from your current super fund across. So as soon as Yes. you're back at work, we can submit that transfer, and then I was gonna Mhmm. get you and Jake booked in for that more in-depth sort of investment discussion after that. Whether it's a month or two from now, we just do it in a bit of two steps if that's okay. Yeah. It's fine.","start_word":371,"end_word":472,"sentiment":"neutral","sentiment_score":0.07895772904157639},{"text":"Perfect.","start_word":473,"end_word":473,"sentiment":"positive","sentiment_score":0.49861425161361694},{"text":"So just to kind of let you know, I know you've gone through a bit of a recap, but we've done projections, two of them for you. One in the statement of advice is based on your return to work income, and Mhmm. one in the appendix is just based on no contributions at all just to make sure that you're still gonna be in a Yes. better position if there's a delay going back to work. Cool. All of the assets and liabilities are pretty well identical between you guys. We're going across again to high growth for your risk profile. So just bear in mind that both of you guys are pretty much going for as high returns as possible. It's gonna be a little bit of a roller coaster this year, bit of ups and downs in the super. But we also found out that your your current super fund doesn't have a high growth option. So there wasn't very many options to compare it to, if that makes sense. Yeah. Yeah.","start_word":474,"end_word":648,"sentiment":"neutral","sentiment_score":0.04154796525835991},{"text":"That's all good. Cool.","start_word":649,"end_word":652,"sentiment":"positive","sentiment_score":0.49727362394332886},{"text":"Did you have any sort of initial questions or or thoughts on anything you've heard so far today? No. Perfect. That's more Jake's domain. So if there's any questions, you'll be calling from him.","start_word":653,"end_word":686,"sentiment":"neutral","sentiment_score":0.1340942505527945},{"text":"Perfect.","start_word":687,"end_word":687,"sentiment":"positive","sentiment_score":0.5818448066711426},{"text":"And has has he actually gone through the advice document that we sent through for you? For me? Have I gone through Yeah. it? Do you know if he's actually had a read through it yet? Oh, I don't know. That's okay. I So don't once know. that's all Yeah. sorted, just we'll just make sure he's got, like, a signed copy for the both of you for your records. And if there's any questions that come off the back of it, just give us a call. Tell the girls during your welcome call. They'll do a bit of an intro with you guys and just set you up with security questions and things like that. Okay.","start_word":688,"end_word":804,"sentiment":"neutral","sentiment_score":0.10081955790519714},{"text":"Cool. Last two points for me. So just with the insurance side of things, the transfer terms was cheaper than what you currently have for the exact same insurances. So it was kind of a no brainer to go from $95 to 28 for transferring it across. Under the hood just offers it for cheaper, so it turned out really well there as well.","start_word":805,"end_word":868,"sentiment":"positive","sentiment_score":0.4205186665058136},{"text":"Mhmm. Yes.","start_word":869,"end_word":870,"sentiment":"neutral","sentiment_score":0.17346742749214172},{"text":"Sounds Perfect. good.","start_word":871,"end_word":873,"sentiment":"positive","sentiment_score":0.4187663495540619},{"text":"Estate planning wise, there'll be the beneficiaries. There's only one beneficiary, and it covers your life insurance and your super. Please just when you do that welcome call, let the girls know so they can prefill the forms for you. Just save you a bit of time. Okay.","start_word":874,"end_word":921,"sentiment":"neutral","sentiment_score":0.1976136714220047},{"text":"Awesome. That's pretty much everything for me.","start_word":922,"end_word":928,"sentiment":"positive","sentiment_score":0.4624069631099701},{"text":"Again, fees are disclosed in there as well. We've got you on the partner's discount, 1.1% instead of 1.65. Can you just let Jake know that we will come back to him to update his as well? Okay. Sounds No worries. I know Bob's kind good. of restless now. I'm pretty much done. Do you have any questions for me? No. I don't. Easy done. Alright.","start_word":929,"end_word":994,"sentiment":"neutral","sentiment_score":0.11886926740407944},{"text":"We will talk to you soon. I'll leave it with you guys, and I look forward to chatting to you in the next one. Alright. Perfect. Thank you. Thank you so much. Have a great day. You too. Bye.","start_word":995,"end_word":1033,"sentiment":"positive","sentiment_score":0.5006681695962564}],"average":{"sentiment":"neutral","sentiment_score":0.14783145594254635}}}}