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No. No. It's fine with a three month old. No. It's pretty good. Like, health so, I mean, it doesn't really seem any health issues. It's with care so far. Yeah. No. That's cool. I'll keep it short and sweet, dude. That's that's awesome. Good day, Steph. Tommy here, senior adviser from Oakview. How are you doing? I'm doing fantastic. It's a nice short Easter week, and you guys are just saying that you do have a sleeping baby there, so I need to keep it nice and brief. Is that okay? No worries at all. So my job here is just to go through just a couple of touch points with you just to give us some direction on putting a plan together for you. I know that your partner's just gone through the process, so I'm assuming you're looking for something pretty similar to what he was receiving. Yep. So we have all your goals noted down. I'm gonna do some projections and just sort of see how much closer we can get you there and try and leave you in a better position. A couple of things I wanna just quickly touch base on. With the maternity leave, it says that you're going back possibly in a month's time. Do you know what the return to work plan is in terms of income, hours, and so on? Oh, wow. What do you think your annual income will be once you go back? Gotcha. 6,600 a month. Wow. That is a lot in terms of commission on top. What I'll do is I'm gonna just factor in kind of, like, your base income for contributions and some estimates with the commissions as well just so I can be, like, nice and conservative with it. If you don't mind me asking, what will your duties be when you go back? Service adviser. So nice and white collar office space. Nothing too strenuous there. Perfect. Alright. So I'm looking through when it comes to sort of the maternity leave, we'll do a bit of a super comparison for you and just sort of see if we can link you up with your partner because I know the platform that we've put in with, we can link your balances together to try and reduce the fees a little bit and get you a similar quality portfolio. The only thing that's gonna be yep. Perfect. 6 thousand 600 total including commission. Gotcha. And that's before tax. Right? Yep. After tax. Oh, fantastic. Net. Thank you very much for that stuff. The only difference I'm gonna do slightly with your super is just with your balance because you're under about $80. I need to make sure I try and keep you on one of the low fee menus just to get you up to that 80 to a $100 mark before we kind of push you up into that other menu that the provider has. So I just wanted to let you know that it'll be maybe slightly different, but same provider, similar portfolios. Now the only thing that I'm gonna do is just with the insurance side of things. You've got a little bit of life and TPD insurance with CareSuper, so I'm gonna try and make sure that we at least keep that in place. But I won't be able to get you, like, a new policy until you're obviously fully back to work. So if you're okay to kind of do this in a bit of a two step, once everything's kind of stable, I can come back and and do some quotes for you. Is that okay? Perfect. And then with estate planning, I just wanna double check. Are you still okay to have your partner listed to receive all of the superannuation, the life insurance, all that kind of thing? Yeah. Yeah. And with that, we're gonna basically do a similar setup. So he was wanting to make sure that it was obviously legally binding and that it didn't expire. You can choose whether it expires after three years or it's continuous. Are you okay for it to be continuous? Beautiful. Is there anything in particular that you're hoping to get out of going through this process? Any sort of burning needs for you different to your partner? Yep. Perfect. And all the goals are pretty well similar, and you guys seem to be on the same page with everything. With your risk level, so you've come out pretty high growth as well. Just obviously let you know that when you go into that high growth portfolio, we're gonna compare it to where you currently are. It's gonna be a bit of a roller coaster ride this year. Most of your super is gonna be in, you know, shares, property, growth assets, but it's just because that you're young. So once you've grown it up to that million dollars or whatever the target is, we're gonna then focus on protection after that. I did have a quick chat to Jake yesterday about revisiting some investments for the children. So he really wants to get them set up so that when they're 18, there's some assets there for, you know, house purchase, whatever it may be. Are you comfortable to kind of revisit that with me as a bit of a we can just do, like, a three way conversation in the new financial year? Perfect. Any burning questions on your end about the process so far? Perfect. Well, that's pretty much all I need. I'm going to basically do some comparisons and research. Are you okay for us to possibly get in contact with you again on Monday morning? Yeah. Absolutely. Absolutely. Nothing too early. I know you'll be trying to catch up on a few things. Oh, gotcha. I thought you were talking about the baby. No. That's totally fair. Totally fair. Cool. Cool. So would 10 be okay? Or yeah. Absolutely. And what I might do too look. I've I've got two young ones, a six and a three, and I've got another one on the way. And, look, I know it's pretty touch and go with a three month old, so I'll basically give myself a couple of hours availability. If you need me to kind of split it up into two short calls, I can do that, and we can always just push it back half an hour if you need to. Cool. So I'll aim for eleven thirty. Does he go down for a solid couple of hours, or what's he like? Beautiful. Beautiful. And how's the sibling going with having the the younger sibling there, the younger brother? She's good. Is she staying home with you at the moment? Oh, perfect. It's exactly what my partner does. Beautiful. Are you guys gonna go for a third at some point? Oh, look. Ours is about to come. Oh, look. We were talking about it last night because the we've got two boys and the daughter due in June, and she was just like, why are we doing this? I'm like, you just really wanted to have a daughter, and now we're trying to fit three car seats in the back and playing fights are harder with five. But you know what? It's gonna be worth it in twenty years' time. Sorry. Was her name Ivy? Oh, that's my niece's name. Fantastic. And the boy? Hudson. Like the river. I love it. Cute names. Cute names. I have to congratulate Jake again when I talk to him next week. But, no, mate, Seth, that's pretty much all I need at the moment. If there's anything else, I'll get the guys to get in touch with you. We'll put together a bit of an initial plan. Then like I said, there's a few things for us to kind of revisit with your partner and with the insurances after that. Awesome. Any last questions for me before I let you go? Awesome stuff. Well, you guys have a fantastic day. Congratulations again, and I'll speak to you on Monday. Thank you so much. I'll let you know how I go. You too. 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You've got Tommy. Living the dream, Billy. How are you doing? Gotcha.\n\nGotcha. And she's going back in May, did it say? Yep. Perfect. And sorry.\n\nWhat were you saying, man? Yeah. Yeah. No. No.\n\nIt's fine with a three month old. No. It's pretty good. Like, health so, I mean, it doesn't really seem any health issues. It's with care so far.\n\nYeah. No. That's cool. I'll keep it short and sweet, dude. That's that's awesome.\n\nGood day, Steph. Tommy here, senior adviser from Oakview. How are you doing? I'm doing fantastic. It's a nice short Easter week, and you guys are just saying that you do have a sleeping baby there, so I need to keep it nice and brief.\n\nIs that okay? No worries at all. So my job here is just to go through just a couple of touch points with you just to give us some direction on putting a plan together for you. I know that your partner's just gone through the process, so I'm assuming you're looking for something pretty similar to what he was receiving. Yep.\n\nSo we have all your goals noted down. I'm gonna do some projections and just sort of see how much closer we can get you there and try and leave you in a better position. A couple of things I wanna just quickly touch base on. With the maternity leave, it says that you're going back possibly in a month's time. Do you know what the return to work plan is in terms of income, hours, and so on?\n\nOh, wow. What do you think your annual income will be once you go back? Gotcha. 6,600 a month. Wow.\n\nThat is a lot in terms of commission on top. What I'll do is I'm gonna just factor in kind of, like, your base income for contributions and some estimates with the commissions as well just so I can be, like, nice and conservative with it. If you don't mind me asking, what will your duties be when you go back? Service adviser. So nice and white collar office space.\n\nNothing too strenuous there. Perfect. Alright. So I'm looking through when it comes to sort of the maternity leave, we'll do a bit of a super comparison for you and just sort of see if we can link you up with your partner because I know the platform that we've put in with, we can link your balances together to try and reduce the fees a little bit and get you a similar quality portfolio. The only thing that's gonna be yep.\n\nPerfect. 6 thousand 600 total including commission. Gotcha. And that's before tax. Right?\n\nYep. After tax. Oh, fantastic. Net. Thank you very much for that stuff.\n\nThe only difference I'm gonna do slightly with your super is just with your balance because you're under about $80. I need to make sure I try and keep you on one of the low fee menus just to get you up to that 80 to a $100 mark before we kind of push you up into that other menu that the provider has. So I just wanted to let you know that it'll be maybe slightly different, but same provider, similar portfolios. Now the only thing that I'm gonna do is just with the insurance side of things. You've got a little bit of life and TPD insurance with CareSuper, so I'm gonna try and make sure that we at least keep that in place.\n\nBut I won't be able to get you, like, a new policy until you're obviously fully back to work. So if you're okay to kind of do this in a bit of a two step, once everything's kind of stable, I can come back and and do some quotes for you. Is that okay? Perfect. And then with estate planning, I just wanna double check.\n\nAre you still okay to have your partner listed to receive all of the superannuation, the life insurance, all that kind of thing? Yeah. Yeah. And with that, we're gonna basically do a similar setup. So he was wanting to make sure that it was obviously legally binding and that it didn't expire.\n\nYou can choose whether it expires after three years or it's continuous. Are you okay for it to be continuous? Beautiful. Is there anything in particular that you're hoping to get out of going through this process? Any sort of burning needs for you different to your partner?\n\nYep. Perfect. And all the goals are pretty well similar, and you guys seem to be on the same page with everything. With your risk level, so you've come out pretty high growth as well. Just obviously let you know that when you go into that high growth portfolio, we're gonna compare it to where you currently are.\n\nIt's gonna be a bit of a roller coaster ride this year. Most of your super is gonna be in, you know, shares, property, growth assets, but it's just because that you're young. So once you've grown it up to that million dollars or whatever the target is, we're gonna then focus on protection after that. I did have a quick chat to Jake yesterday about revisiting some investments for the children. So he really wants to get them set up so that when they're 18, there's some assets there for, you know, house purchase, whatever it may be.\n\nAre you comfortable to kind of revisit that with me as a bit of a we can just do, like, a three way conversation in the new financial year? Perfect. Any burning questions on your end about the process so far? Perfect. Well, that's pretty much all I need.\n\nI'm going to basically do some comparisons and research. Are you okay for us to possibly get in contact with you again on Monday morning? Yeah. Absolutely. Absolutely.\n\nNothing too early. I know you'll be trying to catch up on a few things. Oh, gotcha. I thought you were talking about the baby. No.\n\nThat's totally fair. Totally fair. Cool. Cool. So would 10 be okay?\n\nOr yeah. Absolutely. And what I might do too look. I've I've got two young ones, a six and a three, and I've got another one on the way. And, look, I know it's pretty touch and go with a three month old, so I'll basically give myself a couple of hours availability.\n\nIf you need me to kind of split it up into two short calls, I can do that, and we can always just push it back half an hour if you need to. Cool. So I'll aim for eleven thirty. Does he go down for a solid couple of hours, or what's he like? Beautiful.\n\nBeautiful. And how's the sibling going with having the the younger sibling there, the younger brother? She's good. Is she staying home with you at the moment? Oh, perfect.\n\nIt's exactly what my partner does. Beautiful. Are you guys gonna go for a third at some point? Oh, look. Ours is about to come.\n\nOh, look. We were talking about it last night because the we've got two boys and the daughter due in June, and she was just like, why are we doing this? I'm like, you just really wanted to have a daughter, and now we're trying to fit three car seats in the back and playing fights are harder with five. But you know what? It's gonna be worth it in twenty years' time.\n\nSorry. Was her name Ivy? Oh, that's my niece's name. Fantastic. And the boy?\n\nHudson. Like the river. I love it. Cute names. Cute names.\n\nI have to congratulate Jake again when I talk to him next week. But, no, mate, Seth, that's pretty much all I need at the moment. If there's anything else, I'll get the guys to get in touch with you. We'll put together a bit of an initial plan. Then like I said, there's a few things for us to kind of revisit with your partner and with the insurances after that.\n\nAwesome. Any last questions for me before I let you go? Awesome stuff. Well, you guys have a fantastic day. Congratulations again, and I'll speak to you on Monday.\n\nThank you so much. I'll let you know how I go. You too. Bye.","paragraphs":[{"sentences":[{"text":"Yellow.","start":1.8399999,"end":2.24,"sentiment":"neutral","sentiment_score":0.03767434507608414},{"text":"You've got Tommy.","start":2.24,"end":3.06,"sentiment":"neutral","sentiment_score":0.06158019850651423},{"text":"Living the dream, Billy.","start":6.0,"end":6.96,"sentiment":"positive","sentiment_score":0.4065471887588501},{"text":"How are you doing?","start":6.96,"end":7.8599997,"sentiment":"neutral","sentiment_score":0.23037489876151085},{"text":"Gotcha.","start":21.215,"end":21.535,"sentiment":"neutral","sentiment_score":0.2236807644367218}],"sentiment":"neutral","sentiment_score":0.23029108116259941,"num_words":13,"start":1.8399999,"end":21.535},{"sentences":[{"text":"Gotcha.","start":21.535,"end":22.035,"sentiment":"neutral","sentiment_score":0.20426970720291135},{"text":"And she's going back in May, did it say?","start":30.03,"end":32.29,"sentiment":"neutral","sentiment_score":0.03846258235474428},{"text":"Yep.","start":36.445,"end":36.765,"sentiment":"neutral","sentiment_score":0.16179430484771729},{"text":"Perfect.","start":36.765,"end":37.265,"sentiment":"neutral","sentiment_score":0.3225879669189453},{"text":"And sorry.","start":37.405,"end":37.885,"sentiment":"neutral","sentiment_score":0.06885595247149467}],"sentiment":"neutral","sentiment_score":0.0837519375075187,"num_words":14,"start":21.535,"end":37.885},{"sentences":[{"text":"What were you saying, man?","start":37.885,"end":38.945,"sentiment":"neutral","sentiment_score":0.009445127099752426},{"text":"Yeah.","start":46.045,"end":46.545,"sentiment":"neutral","sentiment_score":0.029210014268755913},{"text":"Yeah.","start":50.780003,"end":51.18,"sentiment":"neutral","sentiment_score":0.001764887012541294},{"text":"No.","start":51.18,"end":51.420002,"sentiment":"neutral","sentiment_score":-0.017955835908651352},{"text":"No.","start":51.420002,"end":51.74,"sentiment":"neutral","sentiment_score":-0.027733348309993744}],"sentiment":"neutral","sentiment_score":0.0036123725068238047,"num_words":9,"start":37.885,"end":51.74},{"sentences":[{"text":"It's fine with a three month old.","start":51.74,"end":53.600002,"sentiment":"neutral","sentiment_score":-0.012393042977367128},{"text":"No.","start":54.780003,"end":55.02,"sentiment":"neutral","sentiment_score":-0.0040187714621424675},{"text":"It's pretty good.","start":55.02,"end":55.98,"sentiment":"neutral","sentiment_score":0.10921967588365078},{"text":"Like, health so, I mean, it doesn't really seem any health issues.","start":55.98,"end":59.28,"sentiment":"neutral","sentiment_score":0.03167470342790087},{"text":"It's with care so far.","start":59.34,"end":60.72,"sentiment":"neutral","sentiment_score":0.00201177466660738}],"sentiment":"neutral","sentiment_score":0.02239443820768169,"num_words":28,"start":51.74,"end":60.72},{"sentences":[{"text":"Yeah.","start":63.375,"end":63.875,"sentiment":"neutral","sentiment_score":0.01531149446964264},{"text":"No.","start":64.895,"end":65.215,"sentiment":"neutral","sentiment_score":0.01344951055943966},{"text":"That's cool.","start":65.215,"end":65.955,"sentiment":"neutral","sentiment_score":0.11382895708084106},{"text":"I'll keep it short and sweet, dude.","start":66.095,"end":67.455,"sentiment":"neutral","sentiment_score":0.18998663127422333},{"text":"That's that's awesome.","start":67.455,"end":68.515,"sentiment":"positive","sentiment_score":0.5103206237157186}],"sentiment":"neutral","sentiment_score":0.22266337208982026,"num_words":14,"start":63.375,"end":68.515},{"sentences":[{"text":"Good day, Steph.","start":97.66,"end":98.380005,"sentiment":"positive","sentiment_score":0.5008494953314463},{"text":"Tommy here, senior adviser from Oakview.","start":98.380005,"end":99.98,"sentiment":"neutral","sentiment_score":0.2370919088522593},{"text":"How are you doing?","start":99.98,"end":100.8,"sentiment":"neutral","sentiment_score":0.24171271175146103},{"text":"I'm doing fantastic.","start":102.700005,"end":103.840004,"sentiment":"positive","sentiment_score":0.790792981783549},{"text":"It's a nice short Easter week, and you guys are just saying that you do have a sleeping baby there, so I need to keep it nice and 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receiving.","start":122.774994,"end":129.45,"sentiment":"neutral","sentiment_score":0.09750740059340994},{"text":"Yep.","start":131.43001,"end":131.83,"sentiment":"neutral","sentiment_score":0.1284056305885315}],"sentiment":"neutral","sentiment_score":0.1721556800147218,"num_words":62,"start":110.380005,"end":131.83},{"sentences":[{"text":"So we have all your goals noted down.","start":131.83,"end":133.59,"sentiment":"neutral","sentiment_score":0.13551108073443174},{"text":"I'm gonna do some projections and just sort of see how much closer we can get you there and try and leave you in a better position.","start":133.59,"end":139.45,"sentiment":"neutral","sentiment_score":0.13705590477696172},{"text":"A couple of things I wanna just quickly touch base on.","start":140.60501,"end":143.425,"sentiment":"neutral","sentiment_score":0.09138634123585442},{"text":"With the maternity leave, it says that you're going back possibly in a month's time.","start":143.725,"end":148.46501,"sentiment":"neutral","sentiment_score":0.01685045671959718},{"text":"Do you know what the return to work plan is in terms of income, hours, and so on?","start":149.005,"end":154.8,"sentiment":"neutral","sentiment_score":0.026665452557305496}],"sentiment":"neutral","sentiment_score":0.08256433956042121,"num_words":79,"start":131.83,"end":154.8},{"sentences":[{"text":"Oh, wow.","start":165.92,"end":166.66,"sentiment":"neutral","sentiment_score":0.04827597551047802},{"text":"What do you think your annual income will be once you go back?","start":169.77501,"end":172.995,"sentiment":"neutral","sentiment_score":0.006114154194410031},{"text":"Gotcha.","start":182.91,"end":183.41,"sentiment":"neutral","sentiment_score":0.020215362310409542},{"text":"6,600 a month.","start":198.925,"end":200.445,"sentiment":"neutral","sentiment_score":0.020565517246723175},{"text":"Wow.","start":200.445,"end":200.685,"sentiment":"neutral","sentiment_score":0.13815660774707794}],"sentiment":"neutral","sentiment_score":0.019805223867297172,"num_words":20,"start":165.92,"end":200.685},{"sentences":[{"text":"That is a lot in terms of commission on top.","start":200.685,"end":204.0,"sentiment":"neutral","sentiment_score":0.0850931752473116},{"text":"What I'll do is I'm gonna just factor in kind of, like, your base income for contributions and some estimates with the commissions as well just so I can be, like, nice and conservative with it.","start":204.16,"end":215.94,"sentiment":"neutral","sentiment_score":0.21052652721603712},{"text":"If you don't mind me asking, what will your duties be when you go back?","start":216.56,"end":219.825,"sentiment":"neutral","sentiment_score":0.052271294842163724},{"text":"Service adviser.","start":223.025,"end":223.825,"sentiment":"neutral","sentiment_score":0.09116178750991821},{"text":"So nice and white collar office space.","start":223.825,"end":226.705,"sentiment":"positive","sentiment_score":0.6544702138219561}],"sentiment":"neutral","sentiment_score":0.1996795889522348,"num_words":70,"start":200.685,"end":226.705},{"sentences":[{"text":"Nothing too strenuous there.","start":226.705,"end":228.405,"sentiment":"neutral","sentiment_score":0.19500267133116722},{"text":"Perfect.","start":231.425,"end":231.925,"sentiment":"neutral","sentiment_score":0.25597265362739563},{"text":"Alright.","start":233.265,"end":233.765,"sentiment":"neutral","sentiment_score":0.15647979080677032},{"text":"So I'm looking through when it comes to sort of the maternity leave, we'll do a bit of a super comparison for you and just sort of see if we can link you up with your partner because I know the platform that we've put in with, we can link your balances together to try and reduce the fees a little bit and get you a similar quality portfolio.","start":233.905,"end":251.94499,"sentiment":"neutral","sentiment_score":0.1505740404776905},{"text":"The only thing that's gonna be yep.","start":253.92499,"end":256.185,"sentiment":"neutral","sentiment_score":0.021332668140530586}],"sentiment":"neutral","sentiment_score":0.14306586097199014,"num_words":82,"start":226.705,"end":256.185},{"sentences":[{"text":"Perfect.","start":261.365,"end":261.865,"sentiment":"neutral","sentiment_score":0.13254031538963318},{"text":"6 thousand 600 total including commission.","start":262.41998,"end":265.16,"sentiment":"neutral","sentiment_score":0.0383485679825147},{"text":"Gotcha.","start":265.46,"end":265.96,"sentiment":"neutral","sentiment_score":0.04196798801422119},{"text":"And that's before tax.","start":266.5,"end":267.62,"sentiment":"neutral","sentiment_score":0.025221506133675575},{"text":"Right?","start":267.62,"end":268.12,"sentiment":"neutral","sentiment_score":0.022805750370025635}],"sentiment":"neutral","sentiment_score":0.04063780663105158,"num_words":13,"start":261.365,"end":268.12},{"sentences":[{"text":"Yep.","start":269.53998,"end":270.03998,"sentiment":"neutral","sentiment_score":0.01957562193274498},{"text":"After tax.","start":271.13998,"end":271.86,"sentiment":"neutral","sentiment_score":0.010552626103162766},{"text":"Oh, fantastic.","start":271.86,"end":272.59998,"sentiment":"positive","sentiment_score":0.4127959609031677},{"text":"Net.","start":272.9,"end":273.4,"sentiment":"neutral","sentiment_score":0.22584737837314608},{"text":"Thank you very much for that stuff.","start":273.69998,"end":275.415,"sentiment":"positive","sentiment_score":0.578434020280838}],"sentiment":"positive","sentiment_score":0.39547371663726294,"num_words":13,"start":269.53998,"end":275.415},{"sentences":[{"text":"The only difference I'm gonna do slightly with your super is just with your balance because you're under about $80.","start":275.975,"end":282.375,"sentiment":"neutral","sentiment_score":0.023497049207799138},{"text":"I need to make sure I try and keep you on one of the low fee menus just to get you up to that 80 to a $100 mark before we kind of push you up into that other menu that the provider has.","start":282.375,"end":294.86002,"sentiment":"neutral","sentiment_score":0.04723952058702707},{"text":"So I just wanted to let you know that it'll be maybe slightly different, but same provider, similar portfolios.","start":294.86002,"end":300.56,"sentiment":"neutral","sentiment_score":0.06770674629431021},{"text":"Now the only thing that I'm gonna do is just with the insurance side of things.","start":302.78,"end":305.80502,"sentiment":"neutral","sentiment_score":-0.005583427264355123},{"text":"You've got a little bit of life and TPD insurance with CareSuper, so I'm gonna try and make sure that we at least keep that in place.","start":305.80502,"end":313.105,"sentiment":"neutral","sentiment_score":0.17365881552298865}],"sentiment":"neutral","sentiment_score":0.06693937501958794,"num_words":126,"start":275.975,"end":313.105},{"sentences":[{"text":"But I won't be able to get you, like, a new policy until you're obviously fully back to work.","start":313.325,"end":318.12,"sentiment":"neutral","sentiment_score":0.043758663691972434},{"text":"So if you're okay to kind of do this in a bit of a two step, once everything's kind of stable, I can come back and and do some quotes for you.","start":318.12,"end":325.24,"sentiment":"neutral","sentiment_score":0.2215107693336904},{"text":"Is that okay?","start":325.24,"end":325.97998,"sentiment":"neutral","sentiment_score":0.14753701289494833},{"text":"Perfect.","start":328.28,"end":328.78,"sentiment":"positive","sentiment_score":0.6445543766021729},{"text":"And then with estate planning, I just wanna double check.","start":329.63998,"end":332.12,"sentiment":"neutral","sentiment_score":0.2132342427968979}],"sentiment":"neutral","sentiment_score":0.17137333957048562,"num_words":65,"start":313.325,"end":332.12},{"sentences":[{"text":"Are you still okay to have your partner listed to receive all of the superannuation, the life insurance, all that kind of thing?","start":332.12,"end":339.315,"sentiment":"neutral","sentiment_score":0.0855320643471635},{"text":"Yeah.","start":341.935,"end":342.255,"sentiment":"neutral","sentiment_score":0.027866894379258156},{"text":"Yeah.","start":342.255,"end":342.735,"sentiment":"neutral","sentiment_score":0.042873963713645935},{"text":"And with that, we're gonna basically do a similar 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obviously let you know that when you go into that high growth portfolio, we're gonna compare it to where you currently are.","start":383.09,"end":388.85,"sentiment":"neutral","sentiment_score":0.10647610105250192}],"sentiment":"neutral","sentiment_score":0.21945835142556963,"num_words":58,"start":371.59497,"end":388.85},{"sentences":[{"text":"It's gonna be a bit of a roller coaster ride this year.","start":388.85,"end":391.515,"sentiment":"neutral","sentiment_score":-0.026807342966397602},{"text":"Most of your super is gonna be in, you know, shares, property, growth assets, but it's just because that you're young.","start":391.67502,"end":397.135,"sentiment":"neutral","sentiment_score":0.0860932112804481},{"text":"So once you've grown it up to that million dollars or whatever the target is, we're gonna then focus on protection after that.","start":397.27502,"end":403.98,"sentiment":"neutral","sentiment_score":0.1248520139766776},{"text":"I did have a quick chat to Jake yesterday about revisiting some investments for the children.","start":406.06,"end":413.6,"sentiment":"neutral","sentiment_score":0.15347699774429202},{"text":"So he really wants to get them set up so that when they're 18, there's some assets there for, you know, house purchase, whatever it may be.","start":413.98,"end":421.82498,"sentiment":"neutral","sentiment_score":0.11490805667859537}],"sentiment":"neutral","sentiment_score":0.10016176906047446,"num_words":99,"start":388.85,"end":421.82498},{"sentences":[{"text":"Are you comfortable to kind of revisit that with me as a bit of a we can just do, like, a three way conversation in the new financial year?","start":421.82498,"end":429.525,"sentiment":"neutral","sentiment_score":0.12309378102935593},{"text":"Perfect.","start":431.92,"end":432.42,"sentiment":"positive","sentiment_score":0.6868888735771179},{"text":"Any burning questions on your end about the process so 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morning?","start":444.08002,"end":448.785,"sentiment":"neutral","sentiment_score":0.15408377349376678},{"text":"Yeah.","start":455.885,"end":456.205,"sentiment":"neutral","sentiment_score":0.17999231815338135},{"text":"Absolutely.","start":456.205,"end":456.705,"sentiment":"neutral","sentiment_score":0.28196412324905396},{"text":"Absolutely.","start":456.845,"end":457.345,"sentiment":"neutral","sentiment_score":0.22322842478752136}],"sentiment":"neutral","sentiment_score":0.20271269338471548,"num_words":28,"start":441.36002,"end":457.345},{"sentences":[{"text":"Nothing too early.","start":457.405,"end":458.465,"sentiment":"neutral","sentiment_score":0.13020071387290955},{"text":"I know you'll be trying to catch up on a few things.","start":458.845,"end":461.22,"sentiment":"neutral","sentiment_score":0.11350229196250439},{"text":"Oh, gotcha.","start":466.02,"end":466.68,"sentiment":"neutral","sentiment_score":0.012641931883990765},{"text":"I thought you were talking about the baby.","start":466.74,"end":468.02,"sentiment":"neutral","sentiment_score":-0.028865204891189933},{"text":"No.","start":468.02,"end":468.18,"sentiment":"neutral","sentiment_score":-0.06507131457328796}],"sentiment":"neutral","sentiment_score":0.05699694443207521,"num_words":26,"start":457.405,"end":468.18},{"sentences":[{"text":"That's totally fair.","start":468.18,"end":469.32,"sentiment":"neutral","sentiment_score":-0.025970763837297756},{"text":"Totally fair.","start":469.7,"end":470.68,"sentiment":"neutral","sentiment_score":0.02390883956104517},{"text":"Cool.","start":472.42,"end":472.74,"sentiment":"neutral","sentiment_score":0.15958371758461},{"text":"Cool.","start":472.74,"end":473.14,"sentiment":"neutral","sentiment_score":0.11218764632940292},{"text":"So would 10 be okay?","start":473.14,"end":476.12,"sentiment":"neutral","sentiment_score":0.05432349666953087}],"sentiment":"neutral","sentiment_score":0.04277451957265536,"num_words":12,"start":468.18,"end":476.12},{"sentences":[{"text":"Or yeah.","start":479.505,"end":483.905,"sentiment":"neutral","sentiment_score":0.030435781925916672},{"text":"Absolutely.","start":483.905,"end":484.405,"sentiment":"neutral","sentiment_score":0.06999486684799194},{"text":"And what I might do too look.","start":485.665,"end":487.345,"sentiment":"neutral","sentiment_score":-0.006746722651379449},{"text":"I've I've got two young ones, a six and a three, and I've got another one on the way.","start":487.345,"end":491.25,"sentiment":"neutral","sentiment_score":0.04711768241893304},{"text":"And, look, I know it's pretty touch and go with a three month old, so I'll basically give myself a couple of hours availability.","start":491.49,"end":497.75,"sentiment":"neutral","sentiment_score":0.05555924951719741}],"sentiment":"neutral","sentiment_score":0.043628251443634615,"num_words":53,"start":479.505,"end":497.75},{"sentences":[{"text":"If you need me to kind of split it up into two short calls, I can do that, and we can always just push it back half an hour if you need to.","start":498.13,"end":504.855,"sentiment":"neutral","sentiment_score":0.09586643055081367},{"text":"Cool.","start":507.415,"end":507.73502,"sentiment":"neutral","sentiment_score":0.21974128484725952},{"text":"So I'll aim for eleven thirty.","start":507.73502,"end":509.195,"sentiment":"neutral","sentiment_score":0.11871153364578883},{"text":"Does he go down for a solid couple of hours, or what's he like?","start":513.41504,"end":516.795,"sentiment":"neutral","sentiment_score":-0.00937803162794028},{"text":"Beautiful.","start":522.87,"end":523.37,"sentiment":"positive","sentiment_score":0.6498488187789917}],"sentiment":"neutral","sentiment_score":0.08389380128884857,"num_words":55,"start":498.13,"end":523.37},{"sentences":[{"text":"Beautiful.","start":523.43,"end":523.93,"sentiment":"positive","sentiment_score":0.6028589010238647},{"text":"And how's the sibling going with having the the younger sibling there, the younger brother?","start":524.07,"end":529.93,"sentiment":"neutral","sentiment_score":0.12523047973712284},{"text":"She's good.","start":533.86505,"end":534.265,"sentiment":"positive","sentiment_score":0.4894467294216156},{"text":"Is she staying home with you at the moment?","start":534.265,"end":535.965,"sentiment":"neutral","sentiment_score":0.03454523181749715},{"text":"Oh, perfect.","start":541.86505,"end":542.34503,"sentiment":"positive","sentiment_score":0.5500980168581009}],"sentiment":"neutral","sentiment_score":0.16797629917233153,"num_words":29,"start":523.43,"end":542.34503},{"sentences":[{"text":"It's exactly what my partner does.","start":542.34503,"end":544.04504,"sentiment":"positive","sentiment_score":0.41463270286719006},{"text":"Beautiful.","start":544.89,"end":545.39,"sentiment":"positive","sentiment_score":0.4470387995243073},{"text":"Are you guys gonna go for a third at some point?","start":545.61005,"end":547.63,"sentiment":"neutral","sentiment_score":0.06310875646092674},{"text":"Oh, look.","start":551.69,"end":552.33,"sentiment":"neutral","sentiment_score":-0.030081186443567276},{"text":"Ours is about to come.","start":552.33,"end":553.63,"sentiment":"neutral","sentiment_score":-0.05634686201810837}],"sentiment":"neutral","sentiment_score":0.13148538619279862,"num_words":25,"start":542.34503,"end":553.63},{"sentences":[{"text":"Oh, look.","start":554.17004,"end":554.57,"sentiment":"neutral","sentiment_score":0.004553624428808689},{"text":"We were talking about it last night because the we've got two boys and the daughter due in June, and she was just like, why are we doing this?","start":554.57,"end":561.795,"sentiment":"neutral","sentiment_score":-0.028297846494563694},{"text":"I'm like, you just really wanted to have a daughter, and now we're trying to fit three car seats in the back and playing fights are harder with five.","start":561.795,"end":568.755,"sentiment":"neutral","sentiment_score":-0.053019949524053214},{"text":"But you know what?","start":568.755,"end":569.315,"sentiment":"neutral","sentiment_score":-0.01892861630767584},{"text":"It's gonna be worth it in twenty years' 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week.","start":592.985,"end":596.425,"sentiment":"positive","sentiment_score":0.36506381172400254},{"text":"But, no, mate, Seth, that's pretty much all I need at the moment.","start":596.425,"end":600.72,"sentiment":"neutral","sentiment_score":0.07313853530929638},{"text":"If there's anything else, I'll get the guys to get in touch with you.","start":601.1,"end":603.74,"sentiment":"neutral","sentiment_score":0.10863511902945382},{"text":"We'll put together a bit of an initial plan.","start":603.74,"end":605.66,"sentiment":"neutral","sentiment_score":0.09885367854601806},{"text":"Then like I said, there's a few things for us to kind of revisit with your partner and with the insurances after that.","start":605.66,"end":611.745,"sentiment":"neutral","sentiment_score":0.05581544577042856}],"sentiment":"neutral","sentiment_score":0.1304300074649897,"num_words":72,"start":592.985,"end":611.745},{"sentences":[{"text":"Awesome.","start":614.625,"end":615.125,"sentiment":"positive","sentiment_score":0.7621285915374756},{"text":"Any last questions for me before I let you go?","start":615.265,"end":617.365,"sentiment":"neutral","sentiment_score":0.2792365036904812},{"text":"Awesome stuff.","start":619.585,"end":620.225,"sentiment":"positive","sentiment_score":0.7302484810352325},{"text":"Well, you guys have a fantastic day.","start":620.225,"end":622.065,"sentiment":"positive","sentiment_score":0.7841742209025792},{"text":"Congratulations again, and I'll speak to you on 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How are you, mate? Oh, mate. Very good. Very good. I've got Stephanie. So Jake that signed yesterday, it's his fiancee, so it's like an absolute shoeing. She's great. She's currently on maternity leave, so not getting any contributions, but she's got a pretty healthy balance. And she's just in that default setup, so she should be pretty good still. Just if you can yeah. Yeah. She's returning to work in May. Yeah. Cool. I was gonna say, if you can just try and keep it short just because she's got a sleeping baby there, and I've already had her on the phone for a while. Should be should be asleep. I know they can take some time, though, but, yeah, you can. Do you have any other questions? Because I know I haven't filled it out properly. Well, other than a childbirth a few months ago, but Epic, man. Cool. I'll I'll introduce you guys. Bear with me. Steph, you still there? Yeah. I am. Epic. Cool. That's Tommy on the line. He's the adviser that I speak so fondly of. Look. He's just gonna quickly go over the next steps with you, make sure everything looks good on his end. It shouldn't take too long, and then I'll quickly catch up with you after. That's alright? Okay. Sounds good. Epic. Go ahead, Tommy. Good. How are you? Yes. That's okay. Yes. Mhmm. Yep. Yeah. I'm going back to my full time job. So I work, I think, fifty hours a week roughly. Yeah. Like, in what was that on? Like, 2,200 a fortnight plus I get commissioned. That's the different part with mine. Yeah. But I think I bring in about alright. Hang on. Times up by two and then roughly about 6,600 a month I bring in. I'm a service adviser. God. No. No. Oh, okay. Mhmm. Yeah. Just so you are right. 6 thousand 600 is in total including commission. That's like my total income a month, not on top. Yeah. Yes. That's 23 100. Yeah. Oh, no. That's off the tax. Yes. Mhmm. Mhmm. Yeah. Yes. Yeah. Yeah. It's fine. If I die. Yeah. Yeah. That's fine. No. I think him and I pretty similar. Yep. Okay. Mhmm. Yeah. Yeah. That'd be fine. No. Yeah. That should be fine. Probably after 09:30, though, if that's okay. Yeah. I gotta drop Jake's car off. That's all. Nah. That's his feed time. Can we make it 11:30 again? Because I need to be down for that. Mhmm. Yeah. Yeah. No problem. He normally has a big nap around yeah. Around this time, he normally has a big nap, so it should be fine. Yeah. He normally sleeps from about eleven till one, so I normally have a bit of time. Alright. She's good. She's fine. Loves it. Now she goes to daycare three days a week, and then she's home with me two days a week. So just to keep in a better routine. Yeah. God. No. You're crazy going for a third. Yeah. Girls are good. I have a girl and a boy. Avi is like the sweetest little thing. She loves they love their moms. Yeah. Oh. Hudson. Okay. Sounds good. No. That's all. Thank you. Good luck with yours. Thanks. See you. 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How are you, mate? Oh, mate. Very good. Very good.\n\nI've got Stephanie. So Jake that signed yesterday, it's his fiancee, so it's like an absolute shoeing. She's great. She's currently on maternity leave, so not getting any contributions, but she's got a pretty healthy balance. And she's just in that default setup, so she should be pretty good still.\n\nJust if you can yeah. Yeah. She's returning to work in May. Yeah. Cool.\n\nI was gonna say, if you can just try and keep it short just because she's got a sleeping baby there, and I've already had her on the phone for a while. Should be should be asleep. I know they can take some time, though, but, yeah, you can. Do you have any other questions? Because I know I haven't filled it out properly.\n\nWell, other than a childbirth a few months ago, but Epic, man. Cool. I'll I'll introduce you guys. Bear with me. Steph, you still there?\n\nYeah. I am. Epic. Cool. That's Tommy on the line.\n\nHe's the adviser that I speak so fondly of. Look. He's just gonna quickly go over the next steps with you, make sure everything looks good on his end. It shouldn't take too long, and then I'll quickly catch up with you after. That's alright?\n\nOkay. Sounds good. Epic. Go ahead, Tommy. Good.\n\nHow are you? Yes. That's okay. Yes. Mhmm.\n\nYep. Yeah. I'm going back to my full time job. So I work, I think, fifty hours a week roughly. Yeah.\n\nLike, in what was that on? Like, 2,200 a fortnight plus I get commissioned. That's the different part with mine. Yeah. But I think I bring in about alright.\n\nHang on. Times up by two and then roughly about 6,600 a month I bring in. I'm a service adviser. God. No.\n\nNo. Oh, okay. Mhmm. Yeah. Just so you are right.\n\n6 thousand 600 is in total including commission. That's like my total income a month, not on top. Yeah. Yes. That's 23 100.\n\nYeah. Oh, no. That's off the tax. Yes. Mhmm.\n\nMhmm. Yeah. Yes. Yeah. Yeah.\n\nIt's fine. If I die. Yeah. Yeah. That's fine.\n\nNo. I think him and I pretty similar. Yep. Okay. Mhmm.\n\nYeah. Yeah. That'd be fine. No. Yeah.\n\nThat should be fine. Probably after 09:30, though, if that's okay. Yeah. I gotta drop Jake's car off. That's all.\n\nNah. That's his feed time. Can we make it 11:30 again? Because I need to be down for that. Mhmm.\n\nYeah. Yeah. No problem. He normally has a big nap around yeah. Around this time, he normally has a big nap, so it should be fine.\n\nYeah. He normally sleeps from about eleven till one, so I normally have a bit of time. Alright. She's good. She's fine.\n\nLoves it. Now she goes to daycare three days a week, and then she's home with me two days a week. So just to keep in a better routine. Yeah. God.\n\nNo. You're crazy going for a third. Yeah. Girls are good. I have a girl and a boy.\n\nAvi is like the sweetest little thing. She loves they love their moms. Yeah. Oh. Hudson.\n\nOkay. Sounds good. No. That's all. Thank you.\n\nGood luck with yours. Thanks. See you. Easy.","paragraphs":[{"sentences":[{"text":"Tommy, it's Billy.","start":3.76,"end":4.7999997,"sentiment":"neutral","sentiment_score":0.09309261043866475},{"text":"How are you, mate?","start":4.7999997,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.23388560116291046},{"text":"Oh, mate.","start":8.32,"end":8.8,"sentiment":"positive","sentiment_score":0.41141924262046814},{"text":"Very good.","start":8.8,"end":9.28,"sentiment":"positive","sentiment_score":0.7888714373111725},{"text":"Very good.","start":9.28,"end":9.92,"sentiment":"positive","sentiment_score":0.8045233488082886}],"sentiment":"positive","sentiment_score":0.40188063795749956,"num_words":13,"start":3.76,"end":9.92},{"sentences":[{"text":"I've got Stephanie.","start":9.92,"end":11.62,"sentiment":"positive","sentiment_score":0.4715795914332072},{"text":"So Jake that signed yesterday, it's his fiancee, so it's like an absolute 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have any other questions?","start":50.95,"end":51.75,"sentiment":"neutral","sentiment_score":-0.013348691398277879},{"text":"Because I know I haven't filled it out properly.","start":51.75,"end":55.77,"sentiment":"neutral","sentiment_score":-0.008849582324425379}],"sentiment":"neutral","sentiment_score":0.005082824143755715,"num_words":64,"start":39.155,"end":55.77},{"sentences":[{"text":"Well, other than a childbirth a few months ago, but Epic, man.","start":59.91,"end":69.715,"sentiment":"neutral","sentiment_score":0.048864811193197966},{"text":"Cool.","start":69.715,"end":70.034996,"sentiment":"neutral","sentiment_score":0.2684498429298401},{"text":"I'll I'll introduce you guys.","start":70.034996,"end":71.415,"sentiment":"neutral","sentiment_score":0.13116516470909118},{"text":"Bear with me.","start":71.475,"end":72.375,"sentiment":"neutral","sentiment_score":0.05912111575404803},{"text":"Steph, you still 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of.","start":81.869995,"end":84.75,"sentiment":"neutral","sentiment_score":0.19374582005871666},{"text":"Look.","start":84.75,"end":84.909996,"sentiment":"neutral","sentiment_score":0.1795441508293152},{"text":"He's just gonna quickly go over the next steps with you, make sure everything looks good on his end.","start":84.909996,"end":89.149994,"sentiment":"neutral","sentiment_score":0.23273025090365032},{"text":"It shouldn't take too long, and then I'll quickly catch up with you after.","start":89.149994,"end":92.165,"sentiment":"neutral","sentiment_score":0.09779549629560538},{"text":"That's alright?","start":92.165,"end":92.825,"sentiment":"neutral","sentiment_score":0.10756088048219681}],"sentiment":"neutral","sentiment_score":0.17620866683622202,"num_words":45,"start":81.869995,"end":92.825},{"sentences":[{"text":"Okay.","start":93.205,"end":93.685,"sentiment":"neutral","sentiment_score":0.2291217744350433},{"text":"Sounds 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right.","start":254.32501,"end":255.285,"sentiment":"neutral","sentiment_score":0.023546264693140983}],"sentiment":"neutral","sentiment_score":0.07482342878356577,"num_words":10,"start":229.795,"end":255.285},{"sentences":[{"text":"6 thousand 600 is in total including commission.","start":255.285,"end":258.64502,"sentiment":"neutral","sentiment_score":0.011864349595271051},{"text":"That's like my total income a month, not on top.","start":258.64502,"end":261.70502,"sentiment":"neutral","sentiment_score":0.023347429931163788},{"text":"Yeah.","start":262.64502,"end":263.14502,"sentiment":"neutral","sentiment_score":0.04785197600722313},{"text":"Yes.","start":265.92502,"end":266.42502,"sentiment":"neutral","sentiment_score":0.041191648691892624},{"text":"That's 23 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you.","start":626.315,"end":626.95496,"sentiment":"positive","sentiment_score":0.7865080833435059}],"sentiment":"positive","sentiment_score":0.5853679478168488,"num_words":8,"start":613.05,"end":626.95496},{"sentences":[{"text":"Good luck with yours.","start":626.95496,"end":628.095,"sentiment":"positive","sentiment_score":0.7487029433250427},{"text":"Thanks.","start":631.81287,"end":632.2929,"sentiment":"positive","sentiment_score":0.6376930475234985},{"text":"See you.","start":632.2929,"end":633.0329,"sentiment":"positive","sentiment_score":0.4310014992952347},{"text":"Easy.","start":635.8929,"end":636.3929,"sentiment":"neutral","sentiment_score":-0.11410866677761078}],"sentiment":"positive","sentiment_score":0.547549894079566,"num_words":8,"start":626.95496,"end":636.3929}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Yellow. You've got Tommy.\n\nChannel 1: Tommy, it's Billy. How are you, mate?\n\nChannel 0: Living the dream, Billy. How are you doing?\n\nChannel 1: Oh, mate. Very good. Very good. I've got Stephanie. So Jake that signed yesterday, it's his fiancee, so it's like an absolute shoeing.\n\nShe's great. She's currently on maternity leave,\n\nChannel 0: Gotcha.\n\nChannel 1: so\n\nChannel 0: Gotcha.\n\nChannel 1: not getting any contributions, but she's got a pretty healthy balance. And she's just in that default setup, so she should be pretty good still.\n\nChannel 0: And\n\nChannel 1: Just\n\nChannel 0: she's\n\nChannel 1: if\n\nChannel 0: going\n\nChannel 1: you\n\nChannel 0: back\n\nChannel 1: can\n\nChannel 0: in May, did it say?\n\nChannel 1: yeah. Yeah. She's returning to work in May.\n\nChannel 0: Yep. Perfect. And sorry.\n\nChannel 1: Yeah.\n\nChannel 0: What were you saying, man?\n\nChannel 1: Cool. I was gonna say, if you can just try and keep it short just because she's got a sleeping baby there, and I've already had her on the phone for a while.\n\nChannel 0: Yeah.\n\nChannel 1: Should be should be asleep. I know they can take some time, though, but, yeah, you can.\n\nChannel 0: Yeah.\n\nChannel 1: Do you have\n\nChannel 0: No.\n\nChannel 1: any other\n\nChannel 0: No.\n\nChannel 1: questions?\n\nChannel 0: It's\n\nChannel 1: Because\n\nChannel 0: fine\n\nChannel 1: I\n\nChannel 0: with\n\nChannel 1: know I haven't\n\nChannel 0: a\n\nChannel 1: filled\n\nChannel 0: three\n\nChannel 1: it\n\nChannel 0: month\n\nChannel 1: out\n\nChannel 0: old. No. It's\n\nChannel 1: properly.\n\nChannel 0: pretty good. Like, health so, I mean, it doesn't really seem any health issues. It's with care\n\nChannel 1: Well,\n\nChannel 0: so\n\nChannel 1: other\n\nChannel 0: far.\n\nChannel 1: than a childbirth a few months ago, but\n\nChannel 0: Yeah. No. That's cool. I'll keep it short and sweet, dude. That's that's awesome.\n\nChannel 1: Epic, man. Cool. I'll I'll introduce you guys. Bear with me. Steph, you still there?\n\nYeah. I am. Epic. Cool. That's Tommy on the line.\n\nHe's the adviser that I speak so fondly of. Look. He's just gonna quickly go over the next steps with you, make sure everything looks good on his end. It shouldn't take too long, and then I'll quickly catch up with you after. That's alright?\n\nOkay. Sounds good. Epic. Go ahead, Tommy.\n\nChannel 0: Good day, Steph. Tommy here, senior adviser from Oakview. How are you doing?\n\nChannel 1: Good. How are you?\n\nChannel 0: I'm doing fantastic. It's a nice short Easter week, and you guys are just saying that you do have a sleeping baby there, so I need to keep it nice and brief. Is that okay?\n\nChannel 1: Yes. That's okay.\n\nChannel 0: No worries at all. So my job here is just to go through just a couple of touch points with you just to give us some direction on putting a plan together for you. I know that your partner's just gone through the process, so I'm assuming you're looking for something pretty similar to what he was receiving.\n\nChannel 1: Yes.\n\nChannel 0: Yep. So we have all your goals noted down. I'm gonna do some projections and just sort of see how much closer we can\n\nChannel 1: Mhmm.\n\nChannel 0: get you there and try and leave you in a better position. A couple of things I wanna just quickly touch base on. With the maternity leave, it says that you're going back possibly in a month's time. Do you know\n\nChannel 1: Yep.\n\nChannel 0: what the return to work plan is in terms of income, hours, and so on?\n\nChannel 1: Yeah. I'm going back to my full time job. So I work, I think, fifty hours a week roughly.\n\nChannel 0: Oh, wow.\n\nChannel 1: Yeah. Like,\n\nChannel 0: What do you think your\n\nChannel 1: in\n\nChannel 0: annual income will be once you go back?\n\nChannel 1: what was that on? Like, 2,200 a fortnight plus I get commissioned. That's the different part with mine.\n\nChannel 0: Gotcha.\n\nChannel 1: Yeah. But I think I bring in about alright. Hang on. Times up by two and then roughly about 6,600 a month I bring in.\n\nChannel 0: 6,600 a month. Wow. That is a lot in terms of commission on top. What I'll do is I'm gonna just factor in kind of, like, your base income for contributions and some estimates with the commissions as well just so I can be, like, nice and conservative with it. If you don't mind me asking, what will your duties be when you go back?\n\nChannel 1: I'm a service adviser.\n\nChannel 0: Service adviser. So nice and white collar office space. Nothing too strenuous there.\n\nChannel 1: God. No. No.\n\nChannel 0: Perfect. Alright. So I'm looking through when it comes to sort of the maternity leave, we'll do a bit of a super comparison for you and just sort of see if we can link you up with your partner because I know the platform that we've put in with, we can link your balances together to try and reduce the fees a little bit and get you a similar\n\nChannel 1: Oh, okay.\n\nChannel 0: quality portfolio.\n\nChannel 1: Mhmm.\n\nChannel 0: The only\n\nChannel 1: Yeah.\n\nChannel 0: thing\n\nChannel 1: Just so\n\nChannel 0: that's\n\nChannel 1: you\n\nChannel 0: gonna\n\nChannel 1: are\n\nChannel 0: be\n\nChannel 1: right. 6\n\nChannel 0: yep.\n\nChannel 1: thousand 600 is in total including commission. That's like my total income a month, not on top.\n\nChannel 0: Perfect. 6\n\nChannel 1: Yeah.\n\nChannel 0: thousand 600 total including commission. Gotcha.\n\nChannel 1: Yes.\n\nChannel 0: And that's\n\nChannel 1: That's\n\nChannel 0: before\n\nChannel 1: 23\n\nChannel 0: tax.\n\nChannel 1: 100.\n\nChannel 0: Right?\n\nChannel 1: Yeah. Oh, no.\n\nChannel 0: Yep.\n\nChannel 1: That's off the tax.\n\nChannel 0: After tax. Oh, fantastic. Net. Thank\n\nChannel 1: Yes.\n\nChannel 0: you very much for that stuff. The only difference I'm gonna do slightly with your super is just with your\n\nChannel 1: Mhmm.\n\nChannel 0: balance because you're under about $80. I need to make sure I try and keep\n\nChannel 1: Mhmm.\n\nChannel 0: you on one of the low fee menus just to get you up to that 80 to a $100 mark before we kind of push you\n\nChannel 1: Yeah.\n\nChannel 0: up into that other menu that the provider has. So I just wanted to let you know that it'll be maybe slightly different, but same provider, similar portfolios.\n\nChannel 1: Yes.\n\nChannel 0: Now the only thing that I'm gonna do is just with the insurance side of things. You've got a little bit of life and TPD insurance with CareSuper, so I'm gonna try and make sure that we at least keep that in place. But I won't be able to get you, like, a new policy until you're obviously fully back to work. So if you're okay to kind of do this in a bit of a two step, once everything's kind of stable, I can come back and and do some quotes for you. Is that okay?\n\nChannel 1: Yeah. Yeah. It's fine.\n\nChannel 0: Perfect. And then with estate planning, I just wanna double check. Are you still okay to have your partner listed to receive all of the superannuation, the life insurance, all that kind of thing?\n\nChannel 1: If I die. Yeah.\n\nChannel 0: Yeah. Yeah. And with that, we're gonna basically do a similar setup. So he was wanting to make sure that it was obviously legally binding and that it didn't expire. You can choose whether it expires after three years or it's continuous.\n\nAre you okay for it to be continuous?\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful. Is there anything in particular\n\nChannel 1: That's\n\nChannel 0: that you're hoping to get out of going through this process? Any sort of burning\n\nChannel 1: fine.\n\nChannel 0: needs for you different to your partner?\n\nChannel 1: No. I think him and I pretty similar.\n\nChannel 0: Yep. Perfect. And all the goals are pretty well similar, and you guys seem to be on the same page with everything.\n\nChannel 1: Yep.\n\nChannel 0: With your risk level, so you've come out pretty high growth as well. Just obviously let you know that when you go into that high growth portfolio, we're gonna compare it to where you currently are. It's gonna be a bit of a roller coaster ride this year. Most of your super is gonna be in, you know, shares, property, growth assets, but it's just because that you're young. So once you've grown it up to that million dollars or whatever the target is, we're gonna then focus on protection after that.\n\nChannel 1: Okay.\n\nChannel 0: I did have a quick chat to Jake yesterday about revisiting some investments for the children. So he\n\nChannel 1: Mhmm.\n\nChannel 0: really wants to get them set up so that when they're 18, there's some assets there for, you know, house purchase, whatever it may be. Are you comfortable\n\nChannel 1: Yeah.\n\nChannel 0: to kind of revisit that with me as a bit of a we can just do, like, a three way conversation in the new financial year?\n\nChannel 1: Yeah. That'd be fine.\n\nChannel 0: Perfect. Any burning questions on your end about the process so far?\n\nChannel 1: No.\n\nChannel 0: Perfect. Well, that's pretty much all I need. I'm going to basically do some comparisons and research. Are you okay for us to possibly get in contact with you again on Monday morning?\n\nChannel 1: Yeah. That should be fine. Probably after 09:30, though, if that's okay.\n\nChannel 0: Yeah. Absolutely. Absolutely. Nothing too early. I know you'll be trying to catch up on a few things.\n\nChannel 1: Yeah. I gotta drop Jake's car off. That's all.\n\nChannel 0: Oh, gotcha. I thought you were talking about the baby. No. That's totally fair. Totally\n\nChannel 1: Nah.\n\nChannel 0: fair. Cool. Cool. So would 10 be okay?\n\nChannel 1: That's his\n\nChannel 0: Or\n\nChannel 1: feed time. Can we make it 11:30 again?\n\nChannel 0: yeah. Absolutely.\n\nChannel 1: Because I need to be down for that.\n\nChannel 0: And what I might do too look. I've I've got two young ones, a six and a three, and I've got another one on the way. And, look, I know it's pretty touch and go with a three month old, so I'll basically give myself a couple of hours availability. If you need me to kind of split it up into two short calls, I can do that, and we can always just push it back half an hour if you need to.\n\nChannel 1: Mhmm. Yeah. Yeah. No problem.\n\nChannel 0: Cool. So I'll aim\n\nChannel 1: He\n\nChannel 0: for eleven\n\nChannel 1: normally has\n\nChannel 0: thirty.\n\nChannel 1: a big nap around yeah. Around this time, he normally has a big nap, so it should be fine.\n\nChannel 0: Does he go down for a solid couple of hours, or what's he like?\n\nChannel 1: Yeah. He normally sleeps from about eleven till one, so I normally have a bit of time.\n\nChannel 0: Beautiful. Beautiful. And how's the sibling going with having the the younger sibling there, the younger brother?\n\nChannel 1: Alright. She's good. She's fine. Loves it.\n\nChannel 0: She's good. Is she staying home with you at the moment?\n\nChannel 1: Now she goes to daycare three days a week, and then she's home with me two days a week. So\n\nChannel 0: Oh, perfect. It's exactly\n\nChannel 1: just to\n\nChannel 0: what\n\nChannel 1: keep\n\nChannel 0: my\n\nChannel 1: in\n\nChannel 0: partner\n\nChannel 1: a better\n\nChannel 0: does.\n\nChannel 1: routine.\n\nChannel 0: Beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: Are you guys gonna go for a third at some point?\n\nChannel 1: God. No.\n\nChannel 0: Oh, look.\n\nChannel 1: You're\n\nChannel 0: Ours\n\nChannel 1: crazy\n\nChannel 0: is about\n\nChannel 1: going\n\nChannel 0: to come.\n\nChannel 1: for a third.\n\nChannel 0: Oh, look. We were talking about it last night because the we've got two boys and the daughter due in June, and she was just like, why are we doing this? I'm like, you just really wanted to have a daughter, and now we're trying to fit three car seats in the back and playing fights are harder with five. But you know what? It's gonna be worth it in twenty years' time.\n\nChannel 1: Yeah. Girls are good. I have a girl and a boy. Avi is like the sweetest little thing. She loves they love their\n\nChannel 0: Sorry. Was her name Ivy?\n\nChannel 1: moms. Yeah.\n\nChannel 0: Oh, that's my niece's name. Fantastic.\n\nChannel 1: Oh.\n\nChannel 0: And the boy?\n\nChannel 1: Hudson.\n\nChannel 0: Hudson. Like the river. I love it. Cute names. Cute names.\n\nI have to congratulate Jake again when I talk to him next week. But, no, mate, Seth, that's pretty much all I need at the moment. If there's anything else, I'll get the guys to get in touch with you. We'll put together a bit of an initial plan. Then like I said, there's a few things for us to kind of revisit with your partner and with the insurances after that.\n\nChannel 1: Okay. Sounds good.\n\nChannel 0: Awesome. Any last questions for me before I let you go?\n\nChannel 1: No. That's\n\nChannel 0: Awesome stuff. Well, you guys have a fantastic\n\nChannel 1: all.\n\nChannel 0: day. Congratulations again, and I'll speak to you on Monday.\n\nChannel 1: Thank you. Good luck with yours.\n\nChannel 0: Thank you so much. I'll let you know how I go.\n\nChannel 1: Thanks. See\n\nChannel 0: You too.\n\nChannel 1: you.\n\nChannel 0: Bye.\n\nChannel 1: Easy.","paragraphs":[{"sentences":[{"text":"Yellow.","start":1.8399999,"end":2.24,"sentiment":"neutral","sentiment_score":0.03767434507608414},{"text":"You've got Tommy.","start":2.24,"end":3.06,"sentiment":"neutral","sentiment_score":0.06158019850651423}],"sentiment":"neutral","sentiment_score":0.05560373514890671,"channel":0,"num_words":4,"start":1.8399999,"end":3.06},{"sentences":[{"text":"Tommy, it's Billy.","start":3.76,"end":4.7999997,"sentiment":"neutral","sentiment_score":0.09309261043866475},{"text":"How are you, mate?","start":4.7999997,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.23388560116291046}],"sentiment":"neutral","sentiment_score":0.1735457479953766,"channel":1,"num_words":7,"start":3.76,"end":5.7799997},{"sentences":[{"text":"Living the dream, Billy.","start":6.0,"end":6.96,"sentiment":"positive","sentiment_score":0.4065471887588501},{"text":"How are you 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They will also make projections and review her income and employment plans. The adviser will do some comparisons and research, plan to revisit her financial situation, and provide preliminary information and coverage details. They plan to do some comparisons and research, and the customer agrees to a follow-up call on Monday. They will do a three-way conversation to determine if the plan will be replaced with a partner and discuss the customer's risk level and goals for the plan. They will provide preliminary information and coverage details, and thank the customer."},"intents":{"segments":[{"text":"He's just gonna quickly go over the next steps with you, make sure everything looks good on his end.","start_word":264,"end_word":282,"intents":[{"intent":"Discuss next steps with tommy","confidence_score":0.03230332}]},{"text":"So my job here is just to go through just a couple of touch points with you just to give us some direction on putting a plan together for you. I know that your partner's just gone through the process, so I'm assuming you're looking for something pretty similar to what he was receiving. Yes.","start_word":365,"end_word":419,"intents":[{"intent":"Plan and structure plan","confidence_score":0.00002129726}]},{"text":"up into that other menu that the provider has. So I just wanted to let you know that it'll be maybe slightly different, but same provider, similar portfolios. Yes.","start_word":870,"end_word":898,"intents":[{"intent":"Compare portfolios","confidence_score":0.5204239}]},{"text":"Is there anything in particular That's that you're hoping to get out of going through this process? Any sort of burning fine. needs for you different to your partner?","start_word":1090,"end_word":1118,"intents":[{"intent":"Address insurance needs","confidence_score":0.0014859948}]},{"text":"I did have a quick chat to Jake yesterday about revisiting some investments for the children. So he Mhmm. really wants to get them set up so that when they're 18, there's some assets there for, you know, house purchase, whatever it may be. Are you comfortable Yeah.","start_word":1244,"end_word":1291,"intents":[{"intent":"Set up and discuss investments","confidence_score":0.030813165}]},{"text":"Are you okay for us to possibly get in contact with you again on Monday morning? Yeah.","start_word":1351,"end_word":1367,"intents":[{"intent":"Schedule call with jake","confidence_score":0.013862474}]},{"text":"It's exactly just to what keep my in partner a better does. routine. Beautiful. Yeah.","start_word":1656,"end_word":1670,"intents":[{"intent":"Connect with a new partner","confidence_score":0.000016643922}]}]},"sentiments":{"segments":[{"text":"Yellow. You've got Tommy. Tommy, it's Billy. How are you, mate?","start_word":0,"end_word":10,"sentiment":"neutral","sentiment_score":0.12644925713539124},{"text":"Living the dream, Billy.","start_word":11,"end_word":14,"sentiment":"positive","sentiment_score":0.39959388971328735},{"text":"How are you doing?","start_word":15,"end_word":18,"sentiment":"neutral","sentiment_score":0.2250434011220932},{"text":"Oh, mate. Very good. Very good. I've got Stephanie. So Jake that signed yesterday, it's his fiancee, so it's like an absolute shoeing. She's great.","start_word":19,"end_word":43,"sentiment":"positive","sentiment_score":0.5312092304229736},{"text":"She's currently on maternity leave, Gotcha. so Gotcha.","start_word":44,"end_word":51,"sentiment":"neutral","sentiment_score":0.2630924880504608},{"text":"not getting any contributions, but she's got a pretty healthy balance. And she's just in that default setup, so she should be pretty good still.","start_word":52,"end_word":76,"sentiment":"positive","sentiment_score":0.4378640949726105},{"text":"And Just she's if going you back can in May, did it say? yeah. Yeah. She's returning to work in May. Yep. Perfect. And sorry. Yeah. What were you saying, man? Cool. I was gonna say, if you can just try and keep it short just because she's got a sleeping baby there, and I've already had her on the phone for a while. Yeah. Should be should be asleep. I know they can take some time, though, but, yeah, you can. Yeah. Do you have No. any other No. questions? It's Because fine I with know I haven't a filled three it month out old. No. It's properly. pretty good. Like, health so, I mean, it doesn't really seem any health issues. It's with care Well, so other far. than a childbirth a few months ago, but Yeah. No. That's cool. I'll keep it short and sweet, dude.","start_word":77,"end_word":225,"sentiment":"neutral","sentiment_score":0.033521559089422226},{"text":"That's that's awesome.","start_word":226,"end_word":228,"sentiment":"positive","sentiment_score":0.5088530778884888},{"text":"Epic, man. Cool. I'll I'll introduce you guys. Bear with me. Steph, you still there? Yeah. I am. Epic. Cool. That's Tommy on the line. He's the adviser that I speak so fondly of. Look. He's just gonna quickly go over the next steps with you, make sure everything looks good on his end. It shouldn't take too long, and then I'll quickly catch up with you after. That's alright? Okay.","start_word":229,"end_word":299,"sentiment":"neutral","sentiment_score":0.15841981674164113},{"text":"Sounds good. Epic. Go ahead, Tommy. Good day, Steph.","start_word":300,"end_word":308,"sentiment":"positive","sentiment_score":0.5357668995857239},{"text":"Tommy here, senior adviser from Oakview. How are you doing?","start_word":309,"end_word":318,"sentiment":"neutral","sentiment_score":0.2402122467756271},{"text":"Good.","start_word":319,"end_word":319,"sentiment":"positive","sentiment_score":0.3711295127868652},{"text":"How are you?","start_word":320,"end_word":322,"sentiment":"neutral","sentiment_score":0.27490782737731934},{"text":"I'm doing fantastic. It's a nice short Easter week, and you guys are just saying that you do have a sleeping baby there, so I need to keep it nice and brief.","start_word":323,"end_word":354,"sentiment":"positive","sentiment_score":0.5501828789710999},{"text":"Is that okay? Yes. That's okay. No worries at all. So my job here is just to go through just a couple of touch points with you just to give us some direction on putting a plan together for you. I know that your partner's just gone through the process, so I'm assuming you're looking for something pretty similar to what he was receiving. Yes. Yep. So we have all your goals noted down. I'm gonna do some projections and just sort of see how much closer we can Mhmm. get you there and try and leave you in a better position. A couple of things I wanna just quickly touch base on. With the maternity leave, it says that you're going back possibly in a month's time. Do you know Yep. what the return to work plan is in terms of income, hours, and so on? Yeah. I'm going back to my full time job. So I work, I think, fifty hours a week roughly. Oh, wow. Yeah. Like, What do you think your in annual income will be once you go back? what was that on? Like, 2,200 a fortnight plus I get commissioned. That's the different part with mine. Gotcha. Yeah. But I think I bring in about alright. Hang on. Times up by two and then roughly about 6,600 a month I bring in. 6,600 a month. Wow. That is a lot in terms of commission on top. What I'll do is I'm gonna just factor in kind of, like, your base income for contributions and some estimates with the commissions as well just so I can be, like, nice and conservative with it. If you don't mind me asking, what will your duties be when you go back? I'm a service adviser. Service adviser.","start_word":355,"end_word":653,"sentiment":"neutral","sentiment_score":0.09776760009818251},{"text":"So nice and white collar office space.","start_word":654,"end_word":660,"sentiment":"positive","sentiment_score":0.6497681736946106},{"text":"Nothing too strenuous there. God. No. No. Perfect. Alright. So I'm looking through when it comes to sort of the maternity leave, we'll do a bit of a super comparison for you and just sort of see if we can link you up with your partner because I know the platform that we've put in with, we can link your balances together to try and reduce the fees a little bit and get you a similar Oh, okay. quality portfolio. Mhmm. The only Yeah. thing Just so that's you gonna are be right. 6 yep. thousand 600 is in total including commission. That's like my total income a month, not on top. Perfect. 6 Yeah. thousand 600 total including commission. Gotcha. Yes. And that's That's before 23 tax. 100. Right? Yeah. Oh, no. Yep. That's off the tax. After tax.","start_word":661,"end_word":800,"sentiment":"neutral","sentiment_score":0.0914941504597664},{"text":"Oh, fantastic.","start_word":801,"end_word":802,"sentiment":"positive","sentiment_score":0.4127959609031677},{"text":"Net.","start_word":803,"end_word":803,"sentiment":"neutral","sentiment_score":0.22584737837314608},{"text":"Thank Yes. you very much for that stuff.","start_word":804,"end_word":811,"sentiment":"positive","sentiment_score":0.5404437780380249},{"text":"The only difference I'm gonna do slightly with your super is just with your Mhmm. balance because you're under about $80. I need to make sure I try and keep Mhmm. you on one of the low fee menus just to get you up to that 80 to a $100 mark before we kind of push you Yeah. up into that other menu that the provider has. So I just wanted to let you know that it'll be maybe slightly different, but same provider, similar portfolios. Yes. Now the only thing that I'm gonna do is just with the insurance side of things. You've got a little bit of life and TPD insurance with CareSuper, so I'm gonna try and make sure that we at least keep that in place. But I won't be able to get you, like, a new policy until you're obviously fully back to work. So if you're okay to kind of do this in a bit of a two step, once everything's kind of stable, I can come back and and do some quotes for you. Is that okay? Yeah. Yeah.","start_word":812,"end_word":997,"sentiment":"neutral","sentiment_score":0.09114036054140136},{"text":"It's fine. Perfect.","start_word":998,"end_word":1000,"sentiment":"positive","sentiment_score":0.43505680561065674},{"text":"And then with estate planning, I just wanna double check. Are you still okay to have your partner listed to receive all of the superannuation, the life insurance, all that kind of thing? If I die. Yeah. Yeah. Yeah. And with that, we're gonna basically do a similar setup. So he was wanting to make sure that it was obviously legally binding and that it didn't expire. You can choose whether it expires after three years or it's continuous. Are you okay for it to be continuous? Yeah.","start_word":1001,"end_word":1088,"sentiment":"neutral","sentiment_score":0.07238118350505829},{"text":"Beautiful.","start_word":1089,"end_word":1089,"sentiment":"positive","sentiment_score":0.4127751290798187},{"text":"Is there anything in particular That's that you're hoping to get out of going through this process? Any sort of burning fine. needs for you different to your partner? No. I think him and I pretty similar. Yep.","start_word":1090,"end_word":1127,"sentiment":"neutral","sentiment_score":0.025001903995871544},{"text":"Perfect. And all the goals are pretty well similar, and you guys seem to be on the same page with everything.","start_word":1128,"end_word":1148,"sentiment":"positive","sentiment_score":0.3886140286922455},{"text":"Yep. With your risk level, so you've come out pretty high growth as well. Just obviously let you know that when you go into that high growth portfolio, we're gonna compare it to where you currently are. It's gonna be a bit of a roller coaster ride this year. Most of your super is gonna be in, you know, shares, property, growth assets, but it's just because that you're young. So once you've grown it up to that million dollars or whatever the target is, we're gonna then focus on protection after that. Okay. I did have a quick chat to Jake yesterday about revisiting some investments for the children. So he Mhmm. really wants to get them set up so that when they're 18, there's some assets there for, you know, house purchase, whatever it may be. Are you comfortable Yeah. to kind of revisit that with me as a bit of a we can just do, like, a three way conversation in the new financial year? Yeah. That'd be fine.","start_word":1149,"end_word":1320,"sentiment":"neutral","sentiment_score":0.1093475093501945},{"text":"Perfect.","start_word":1321,"end_word":1321,"sentiment":"positive","sentiment_score":0.6868888735771179},{"text":"Any burning questions on your end about the process so far? No.","start_word":1322,"end_word":1333,"sentiment":"neutral","sentiment_score":0.27353131771087646},{"text":"Perfect. Well, that's pretty much all I need.","start_word":1334,"end_word":1341,"sentiment":"positive","sentiment_score":0.3713894486427307},{"text":"I'm going to basically do some comparisons and research. Are you okay for us to possibly get in contact with you again on Monday morning? Yeah. That should be fine. Probably after 09:30, though, if that's okay. Yeah. Absolutely. Absolutely. Nothing too early. I know you'll be trying to catch up on a few things. Yeah. I gotta drop Jake's car off. That's all. Oh, gotcha. I thought you were talking about the baby. No. That's totally fair. Totally Nah. fair. Cool. Cool. So would 10 be okay? That's his Or feed time. Can we make it 11:30 again? yeah. Absolutely. Because I need to be down for that. And what I might do too look. I've I've got two young ones, a six and a three, and I've got another one on the way. And, look, I know it's pretty touch and go with a three month old, so I'll basically give myself a couple of hours availability. If you need me to kind of split it up into two short calls, I can do that, and we can always just push it back half an hour if you need to. Mhmm. Yeah. Yeah. No problem. Cool. So I'll aim He for eleven normally has thirty. a big nap around yeah. Around this time, he normally has a big nap, so it should be fine. Does he go down for a solid couple of hours, or what's he like? Yeah. He normally sleeps from about eleven till one, so I normally have a bit of time.","start_word":1342,"end_word":1598,"sentiment":"neutral","sentiment_score":0.08058245732278675},{"text":"Beautiful. Beautiful.","start_word":1599,"end_word":1600,"sentiment":"positive","sentiment_score":0.6263538599014282},{"text":"And how's the sibling going with having the the younger sibling there, the younger brother? Alright.","start_word":1601,"end_word":1616,"sentiment":"neutral","sentiment_score":0.1451086401939392},{"text":"She's good. She's fine. Loves it. She's good.","start_word":1617,"end_word":1624,"sentiment":"positive","sentiment_score":0.5679828524589539},{"text":"Is she staying home with you at the moment? Now she goes to daycare three days a week, and then she's home with me two days a week.","start_word":1625,"end_word":1652,"sentiment":"neutral","sentiment_score":0.06115536019206047},{"text":"So Oh, perfect. It's exactly just to what keep my in partner a better does.","start_word":1653,"end_word":1667,"sentiment":"positive","sentiment_score":0.4391564428806305},{"text":"routine.","start_word":1668,"end_word":1668,"sentiment":"neutral","sentiment_score":0.2252091020345688},{"text":"Beautiful.","start_word":1669,"end_word":1669,"sentiment":"positive","sentiment_score":0.4470387995243073},{"text":"Yeah. Are you guys gonna go for a third at some point? God. No. Oh, look. You're Ours crazy is about going to come. for a third. Oh, look. We were talking about it last night because the we've got two boys and the daughter due in June, and she was just like, why are we doing this? I'm like, you just really wanted to have a daughter, and now we're trying to fit three car seats in the back and playing fights are harder with five. But you know what? It's gonna be worth it in twenty years' time. Yeah.","start_word":1670,"end_word":1770,"sentiment":"neutral","sentiment_score":-0.00484766298905015},{"text":"Girls are good. I have a girl and a boy. Avi is like the sweetest little thing. She loves they love their Sorry.","start_word":1771,"end_word":1793,"sentiment":"positive","sentiment_score":0.4771892726421356},{"text":"Was her name Ivy? moms. Yeah. Oh, that's my niece's name.","start_word":1794,"end_word":1804,"sentiment":"neutral","sentiment_score":0.05964713171124458},{"text":"Fantastic.","start_word":1805,"end_word":1805,"sentiment":"positive","sentiment_score":0.4214211702346802},{"text":"Oh. And the boy? Hudson. Hudson. Like the river.","start_word":1806,"end_word":1814,"sentiment":"neutral","sentiment_score":0.13560567796230316},{"text":"I love it. Cute names. Cute names. I have to congratulate Jake again when I talk to him next week.","start_word":1815,"end_word":1834,"sentiment":"positive","sentiment_score":0.4410737454891205},{"text":"But, no, mate, Seth, that's pretty much all I need at the moment. If there's anything else, I'll get the guys to get in touch with you. We'll put together a bit of an initial plan. Then like I said, there's a few things for us to kind of revisit with your partner and with the insurances after that.","start_word":1835,"end_word":1893,"sentiment":"neutral","sentiment_score":0.07636818580203138},{"text":"Okay. Sounds good. Awesome.","start_word":1894,"end_word":1897,"sentiment":"positive","sentiment_score":0.6215770244598389},{"text":"Any last questions for me before I let you go? No.","start_word":1898,"end_word":1908,"sentiment":"neutral","sentiment_score":0.2515683174133301},{"text":"That's Awesome stuff. Well, you guys have a fantastic all. day. Congratulations again, and I'll speak to you on Monday. Thank you. Good luck with yours. Thank you so much. I'll let you know how I go. Thanks. See You too. you.","start_word":1909,"end_word":1950,"sentiment":"positive","sentiment_score":0.6678905487060547},{"text":"Bye.","start_word":1951,"end_word":1951,"sentiment":"neutral","sentiment_score":0.2875211238861084},{"text":"Easy.","start_word":1952,"end_word":1952,"sentiment":"positive","sentiment_score":0.3983110189437866}],"average":{"sentiment":"neutral","sentiment_score":0.14913702233051937}}}}