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Do you have time for the the booking this morning then? Yeah. I'll try and make it as quick as possible there for you, Colin, in regards to the recommendation. And then we'll once you have a chance to read through the document, you can come back with any questions you might have. How does that sound? Perfect. Just get started on that one today. If you could just pass through security, just that name, date of birth, and current address there. Perfect. Thank you for that one. And then just given the time that has elapsed sort of towards the end of last year trying to get this all finalized and everything since we last spoke, kind of confirm that there's no sort of changes in regards to your personal circumstances, financial or otherwise. And what would that be now? And the and the bonus is still around the 30,000 mark in profit share? Yep. As far as the advice piece, it won't, like, affect what we're we're recommending today. But that's fine. If you wanted an amended SOA with that updated figure as well, that's more than fine as well. Given that it's only, like, $5,000 or difference. It's not a huge sorta change. In regards to any other details, is there anything else largely you didn't get, like, a occupational title change or anything like that with that one? Perfect. So this document here there, Colin, will be going at to goodieaself@outlook.com. Is that still the correct email address? Perfect. So that should be with you there shortly, and then you'll be able to yes. Sorry. Just playing up on me there for a second. Perfect. K. I don't know why this is buying up on me. I apologize for calling. It's just I think there might be a slight issue this morning there. I'll just give you a rundown of what it actually is because I've given you time, probably won't be able to go through it there anyway while you're on the phone. I'll just do a quick overview of what the advice is. I'll get it sent out to you. And then if you have any questions from that, you can just let me know there. So apologies for that one. It's just not sending there this morning. So in regards to the advice piece, once it comes through, they'll be through OdooSign and then not the the regular DocuSign that you've used previously. With that one there, it will come through as an attachment in the email that you can click as links to open their documents to be able to review these different types, and then they'll have the signable document portion there as well for you. Now in regards to that one, the signable documents, they're mainly in relation to one, the statement advice to the the change from your your policy that's currently held with BT. Now you currently hold those three funds. Now with that, we are recommending to consolidate that down from what you currently hold so you're not paying three sets of fees. Now with that being a platform policy on your current BT Panorama account for that life insurance, The cancel and replace is basically to make that a stand alone policy for that life insurance policy that you do hold with BT. So it can just be paid through super rollover and not through the platform itself. And then with that, you'll be able to close out the BT Panorama and not have to retain 10,000 in that one. And then we're looking at just keeping the CBAS account for those group insurances you do hold. It's not a huge amount, but given that you didn't wanna revisit cover, you still got TPD insurance in there even if it is for 26,000. Until such time, you feel like with your your health, you're happy to be able to review that. I know with this sort of that high blood stress pressure and cholesterol, you just weren't sorta wanting to go through underwriting at that time with how busy you were as well. So we're gonna keep that PPD there as well for the time being and just having the two accounts, which is fantastic. You won't have to have the two. In regards to the c bus, obviously, 10,000 will remain for insurance purposes there, and then the rest will roll over into that hub to have everything a little bit more consolidated than your current position. Yeah. As far as the advice piece, it was created for yourself, finalized there on the the February 25. Now we confirm your details. It's valid for another thirty days just given the time to get you booked in and everything, which is fine. So you've got another thirty days to be able to review that and sign up with you confirming your details with me today. As far as advice itself, it was put together by myself and the team as an authorized representative of Oakview Financial. As far as the cut scopes considered, we did touch on superannuation and estate planning. I know you just wanted to do a review of the supers because you had the three, the estate planning, and then also the insurances there as well. We're just looking the recommendation is to retain basically what you have. So in terms of, like, a recommendation, we're not recommending new cover. We're not re recommending if it's valid for your current circumstances, debts, things like that because I know you were comfortable given your primary residence debt at the moment. As far as some other things we did consider but didn't provide advice on was your budgeting and savings and then also debt management there as well. Now the limited advice basically pertains to that fact we're only providing a real recommendation on superannuation and the estate planning and limited with the the insurances just to make it a standalone policy there as well. The advice to you is basically roll over the BT Panorama fund, pass the roll over the c bus, and retain the hub 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morning, Colin. I'm it's Carl calling from IP Financial. I had to schedule in for a booking this morning. Yeah. Not too bad at all.\n\nYourself? Yep. Do you have time for the the booking this morning then? Yeah. I'll try and make it as quick as possible there for you, Colin, in regards to the recommendation.\n\nAnd then we'll once you have a chance to read through the document, you can come back with any questions you might have. How does that sound? Perfect. Just get started on that one today. If you could just pass through security, just that name, date of birth, and current address there.\n\nPerfect. Thank you for that one. And then just given the time that has elapsed sort of towards the end of last year trying to get this all finalized and everything since we last spoke, kind of confirm that there's no sort of changes in regards to your personal circumstances, financial or otherwise. And what would that be now? And the and the bonus is still around the 30,000 mark in profit share?\n\nYep. As far as the advice piece, it won't, like, affect what we're we're recommending today. But that's fine. If you wanted an amended SOA with that updated figure as well, that's more than fine as well. Given that it's only, like, $5,000 or difference.\n\nIt's not a huge sorta change. In regards to any other details, is there anything else largely you didn't get, like, a occupational title change or anything like that with that one? Perfect. So this document here there, Colin, will be going at to goodieaself@outlook.com. Is that still the correct email address?\n\nPerfect. So that should be with you there shortly, and then you'll be able to yes. Sorry. Just playing up on me there for a second. Perfect.\n\nK. I don't know why this is buying up on me. I apologize for calling. It's just I think there might be a slight issue this morning there. I'll just give you a rundown of what it actually is because I've given you time, probably won't be able to go through it there anyway while you're on the phone.\n\nI'll just do a quick overview of what the advice is. I'll get it sent out to you. And then if you have any questions from that, you can just let me know there. So apologies for that one. It's just not sending there this morning.\n\nSo in regards to the advice piece, once it comes through, they'll be through OdooSign and then not the the regular DocuSign that you've used previously. With that one there, it will come through as an attachment in the email that you can click as links to open their documents to be able to review these different types, and then they'll have the signable document portion there as well for you. Now in regards to that one, the signable documents, they're mainly in relation to one, the statement advice to the the change from your your policy that's currently held with BT. Now you currently hold those three funds. Now with that, we are recommending to consolidate that down from what you currently hold so you're not paying three sets of fees.\n\nNow with that being a platform policy on your current BT Panorama account for that life insurance, The cancel and replace is basically to make that a stand alone policy for that life insurance policy that you do hold with BT. So it can just be paid through super rollover and not through the platform itself. And then with that, you'll be able to close out the BT Panorama and not have to retain 10,000 in that one. And then we're looking at just keeping the CBAS account for those group insurances you do hold. It's not a huge amount, but given that you didn't wanna revisit cover, you still got TPD insurance in there even if it is for 26,000.\n\nUntil such time, you feel like with your your health, you're happy to be able to review that. I know with this sort of that high blood stress pressure and cholesterol, you just weren't sorta wanting to go through underwriting at that time with how busy you were as well. So we're gonna keep that PPD there as well for the time being and just having the two accounts, which is fantastic. You won't have to have the two. In regards to the c bus, obviously, 10,000 will remain for insurance purposes there, and then the rest will roll over into that hub to have everything a little bit more consolidated than your current position.\n\nYeah. As far as the advice piece, it was created for yourself, finalized there on the the February 25. Now we confirm your details. It's valid for another thirty days just given the time to get you booked in and everything, which is fine. So you've got another thirty days to be able to review that and sign up with you confirming your details with me today.\n\nAs far as advice itself, it was put together by myself and the team as an authorized representative of Oakview Financial. As far as the cut scopes considered, we did touch on superannuation and estate planning. I know you just wanted to do a review of the supers because you had the three, the estate planning, and then also the insurances there as well. We're just looking the recommendation is to retain basically what you have. So in terms of, like, a recommendation, we're not recommending new cover.\n\nWe're not re recommending if it's valid for your current circumstances, debts, things like that because I know you were comfortable given your primary residence debt at the moment. As far as some other things we did consider but didn't provide advice on was your budgeting and savings and then also debt management there as well. Now the limited advice basically pertains to that fact we're only providing a real recommendation on superannuation and the estate planning and limited with the the insurances just to make it a standalone policy there as well. The advice to you is basically roll over the BT Panorama fund, pass the roll over the c bus, and retain the hub for","paragraphs":[{"sentences":[{"text":"Good morning, Colin.","start":2.3999999,"end":3.1999998,"sentiment":"neutral","sentiment_score":0.2680075565973918},{"text":"I'm it's Carl calling from IP Financial.","start":3.1999998,"end":5.2799997,"sentiment":"neutral","sentiment_score":0.12656213981764658},{"text":"I had to schedule in for a booking this morning.","start":5.2799997,"end":9.04,"sentiment":"neutral","sentiment_score":0.08296644836664199},{"text":"Yeah.","start":9.04,"end":9.28,"sentiment":"neutral","sentiment_score":0.15750515460968018},{"text":"Not too bad at all.","start":9.28,"end":10.16,"sentiment":"neutral","sentiment_score":0.19069199860095978}],"sentiment":"neutral","sentiment_score":0.13963797229986924,"num_words":26,"start":2.3999999,"end":10.16},{"sentences":[{"text":"Yourself?","start":10.16,"end":10.66,"sentiment":"neutral","sentiment_score":0.0980403572320938},{"text":"Yep.","start":13.935,"end":14.435,"sentiment":"neutral","sentiment_score":0.08390211313962936},{"text":"Do you have time for the the booking this morning then?","start":14.575001,"end":17.075,"sentiment":"neutral","sentiment_score":0.041861632500182495},{"text":"Yeah.","start":22.895,"end":23.215,"sentiment":"neutral","sentiment_score":0.009682627394795418},{"text":"I'll try and make it as quick as possible there for you, Colin, in regards to the recommendation.","start":23.215,"end":27.475,"sentiment":"neutral","sentiment_score":0.054309643908507295}],"sentiment":"neutral","sentiment_score":0.05092739517567679,"num_words":32,"start":10.16,"end":27.475},{"sentences":[{"text":"And then we'll once you have a chance to read through the document, you can come back with any questions you might have.","start":28.46,"end":33.02,"sentiment":"neutral","sentiment_score":0.130335060150727},{"text":"How does that sound?","start":33.02,"end":34.0,"sentiment":"neutral","sentiment_score":0.09605999104678631},{"text":"Perfect.","start":35.82,"end":36.32,"sentiment":"positive","sentiment_score":0.5090010166168213},{"text":"Just get started on that one today.","start":36.379997,"end":37.579998,"sentiment":"positive","sentiment_score":0.4594243935176304},{"text":"If you could just pass through security, just that name, date of birth, and current address there.","start":37.579998,"end":41.055,"sentiment":"neutral","sentiment_score":0.18569779571364908}],"sentiment":"neutral","sentiment_score":0.19738039703896412,"num_words":52,"start":28.46,"end":41.055},{"sentences":[{"text":"Perfect.","start":49.935,"end":50.335,"sentiment":"positive","sentiment_score":0.5949092507362366},{"text":"Thank you for that one.","start":50.335,"end":51.295,"sentiment":"positive","sentiment_score":0.6914610266685486},{"text":"And then just given the time that has elapsed sort of towards the end of last year trying to get this all finalized and everything since we last spoke, kind of confirm that there's no sort of changes in regards to your personal circumstances, financial or otherwise.","start":51.295,"end":63.47,"sentiment":"neutral","sentiment_score":0.19717769768643886},{"text":"And what would that be now?","start":66.905,"end":74.085,"sentiment":"neutral","sentiment_score":0.04122169688344002},{"text":"And the and the bonus is still around the 30,000 mark in profit share?","start":75.625,"end":80.285,"sentiment":"neutral","sentiment_score":0.10280715062149934}],"sentiment":"neutral","sentiment_score":0.20556433514168818,"num_words":73,"start":49.935,"end":80.285},{"sentences":[{"text":"Yep.","start":83.35,"end":83.829994,"sentiment":"neutral","sentiment_score":0.1289374828338623},{"text":"As far as the advice piece, it won't, like, affect what we're we're recommending today.","start":83.829994,"end":87.93,"sentiment":"neutral","sentiment_score":0.05879839236537616},{"text":"But that's fine.","start":89.59,"end":90.31,"sentiment":"neutral","sentiment_score":0.1365282212694486},{"text":"If you wanted an amended SOA with that updated figure as well, that's more than fine as well.","start":90.31,"end":94.229996,"sentiment":"positive","sentiment_score":0.3751618158486154},{"text":"Given that it's only, like, $5,000 or difference.","start":94.229996,"end":96.795006,"sentiment":"neutral","sentiment_score":0.07031475054100156}],"sentiment":"neutral","sentiment_score":0.19413174937168756,"num_words":45,"start":83.35,"end":96.795006},{"sentences":[{"text":"It's not a huge sorta change.","start":96.795006,"end":99.295006,"sentiment":"neutral","sentiment_score":0.003074347817649444},{"text":"In regards to any other details, is there anything else largely you didn't get, like, a occupational title change or anything like that with that one?","start":100.955,"end":108.66,"sentiment":"neutral","sentiment_score":-0.015699330788965408},{"text":"Perfect.","start":110.9,"end":111.4,"sentiment":"neutral","sentiment_score":0.2254258245229721},{"text":"So this document here there, Colin, will be going at to goodieaself@outlook.com.","start":112.340004,"end":118.340004,"sentiment":"neutral","sentiment_score":0.12695089044670263},{"text":"Is that still the correct email address?","start":118.340004,"end":119.96001,"sentiment":"neutral","sentiment_score":0.07647956375564847}],"sentiment":"neutral","sentiment_score":0.03643186428011037,"num_words":52,"start":96.795006,"end":119.96001},{"sentences":[{"text":"Perfect.","start":124.595,"end":125.095,"sentiment":"positive","sentiment_score":0.45711588859558105},{"text":"So that should be with you there shortly, and then you'll be able to yes.","start":127.395004,"end":136.93001,"sentiment":"neutral","sentiment_score":0.23066303580999375},{"text":"Sorry.","start":136.93001,"end":137.17,"sentiment":"neutral","sentiment_score":-0.10735619068145752},{"text":"Just playing up on me there for a second.","start":137.17,"end":140.63,"sentiment":"neutral","sentiment_score":-0.32316645317607456},{"text":"Perfect.","start":143.97,"end":144.47,"sentiment":"neutral","sentiment_score":0.1466813087463379}],"sentiment":"neutral","sentiment_score":0.03881068389724802,"num_words":27,"start":124.595,"end":144.47},{"sentences":[{"text":"K.","start":148.725,"end":148.965,"sentiment":"neutral","sentiment_score":-0.038047730922698975},{"text":"I don't know why this is buying up on me.","start":148.965,"end":151.385,"sentiment":"neutral","sentiment_score":-0.30639722645282746},{"text":"I apologize for calling.","start":159.7,"end":160.98,"sentiment":"neutral","sentiment_score":-0.27584001421928406},{"text":"It's just I think there might be a slight issue this morning there.","start":160.98,"end":187.25,"sentiment":"neutral","sentiment_score":-0.1872212657561669},{"text":"I'll just give you a rundown of what it actually is because I've given you time, probably won't be able to go through it there anyway while you're on the phone.","start":187.25,"end":195.395,"sentiment":"neutral","sentiment_score":-0.05799562544111283}],"sentiment":"neutral","sentiment_score":-0.14300204908191147,"num_words":59,"start":148.725,"end":195.395},{"sentences":[{"text":"I'll just do a quick overview of what the advice is.","start":195.395,"end":197.395,"sentiment":"neutral","sentiment_score":0.12531706555323166},{"text":"I'll get it sent out to you.","start":197.395,"end":198.195,"sentiment":"neutral","sentiment_score":0.1480470448732376},{"text":"And then if you have any questions from that, you can just let me know there.","start":198.195,"end":201.715,"sentiment":"neutral","sentiment_score":0.10333708999678493},{"text":"So apologies for that one.","start":201.715,"end":202.995,"sentiment":"neutral","sentiment_score":-0.23824750781059265},{"text":"It's just not sending there this morning.","start":202.995,"end":205.175,"sentiment":"neutral","sentiment_score":-0.06514582836202212}],"sentiment":"neutral","sentiment_score":0.05262939429477505,"num_words":46,"start":195.395,"end":205.175},{"sentences":[{"text":"So in regards to the advice piece, once it comes through, they'll be through OdooSign and then not the the regular DocuSign that you've used previously.","start":206.355,"end":214.01001,"sentiment":"neutral","sentiment_score":0.002355640807833809},{"text":"With that one there, it will come through as an attachment in the email that you can click as links to open their documents to be able to review these different types, and then they'll have the signable document portion there as well for you.","start":215.11,"end":226.055,"sentiment":"neutral","sentiment_score":0.20626749296983082},{"text":"Now in regards to that one, the signable documents, they're mainly in relation to one, the statement advice to the the change from your your policy that's currently held with BT.","start":226.75499,"end":237.635,"sentiment":"neutral","sentiment_score":0.025540018334023414},{"text":"Now you currently hold those three funds.","start":237.635,"end":239.93999,"sentiment":"neutral","sentiment_score":-0.0381518437394074},{"text":"Now with that, we are recommending to consolidate that down from what you currently hold so you're not paying three sets of fees.","start":240.23999,"end":247.78,"sentiment":"neutral","sentiment_score":-0.02952434009184008}],"sentiment":"neutral","sentiment_score":0.06961289155085316,"num_words":132,"start":206.355,"end":247.78},{"sentences":[{"text":"Now with that being a platform policy on your current BT Panorama account for that life insurance, The cancel and replace is basically to make that a stand alone policy for that life insurance policy that you do hold with BT.","start":248.15999,"end":261.765,"sentiment":"neutral","sentiment_score":0.12567684326956913},{"text":"So it can just be paid through super rollover and not through the platform itself.","start":261.825,"end":265.365,"sentiment":"neutral","sentiment_score":0.17122374226649603},{"text":"And then with that, you'll be able to close out the BT Panorama and not have to retain 10,000 in that one.","start":265.905,"end":270.88815,"sentiment":"neutral","sentiment_score":0.2508744600821625},{"text":"And then we're looking at just keeping the CBAS account for those group insurances you do hold.","start":270.88815,"end":274.66998,"sentiment":"neutral","sentiment_score":0.21731080027187571},{"text":"It's not a huge amount, but given that you didn't wanna revisit cover, you still got TPD insurance in there even if it is for 26,000.","start":274.66998,"end":281.16998,"sentiment":"neutral","sentiment_score":0.14435994854340187}],"sentiment":"neutral","sentiment_score":0.17097509997196433,"num_words":121,"start":248.15999,"end":281.16998},{"sentences":[{"text":"Until such time, you feel like with your your health, you're happy to be able to review that.","start":281.28497,"end":287.06497,"sentiment":"neutral","sentiment_score":0.2603335471616851},{"text":"I know with this sort of that high blood stress pressure and cholesterol, you just weren't sorta wanting to go through underwriting at that time with how busy you were as well.","start":287.205,"end":295.705,"sentiment":"neutral","sentiment_score":-0.2902688141912222},{"text":"So we're gonna keep that PPD there as well for the time being and just having the two accounts, which is fantastic.","start":295.87,"end":301.09,"sentiment":"positive","sentiment_score":0.6273269101300023},{"text":"You won't have to have the two.","start":301.47,"end":302.93,"sentiment":"neutral","sentiment_score":0.24466146954468318},{"text":"In regards to the c bus, obviously, 10,000 will remain for insurance purposes there, and then the rest will roll over into that hub to have everything a little bit more consolidated than your current position.","start":303.71,"end":314.065,"sentiment":"neutral","sentiment_score":0.19925921224057674}],"sentiment":"neutral","sentiment_score":0.15725700647934623,"num_words":115,"start":281.28497,"end":314.065},{"sentences":[{"text":"Yeah.","start":314.845,"end":315.345,"sentiment":"neutral","sentiment_score":0.09700728952884674},{"text":"As far as the advice piece, it was created for yourself, finalized there on the the February 25.","start":315.725,"end":321.58,"sentiment":"neutral","sentiment_score":0.13922812541325888},{"text":"Now we confirm your details.","start":321.72,"end":323.0,"sentiment":"neutral","sentiment_score":0.2225123256444931},{"text":"It's valid for another thirty days just given the time to get you booked in and everything, which is fine.","start":323.0,"end":328.3,"sentiment":"neutral","sentiment_score":0.2794999860227108},{"text":"So you've got another thirty days to be able to review that and sign up with you confirming your details with me today.","start":328.52,"end":333.02,"sentiment":"positive","sentiment_score":0.34313106018563977}],"sentiment":"neutral","sentiment_score":0.25668192955095376,"num_words":67,"start":314.845,"end":333.02},{"sentences":[{"text":"As far as advice itself, it was put together by myself and the team as an authorized representative of Oakview Financial.","start":334.24503,"end":339.625,"sentiment":"neutral","sentiment_score":0.04706079690229325},{"text":"As far as the cut scopes considered, we did touch on superannuation and estate planning.","start":339.92502,"end":344.08502,"sentiment":"neutral","sentiment_score":-0.0378720094760259},{"text":"I know you just wanted to do a review of the supers because you had the three, the estate planning, and then also the insurances there as well.","start":344.08502,"end":353.24,"sentiment":"neutral","sentiment_score":-0.011073795413332326},{"text":"We're just looking the recommendation is to retain basically what you 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Yeah, mate. How are you? Yeah. What's that? I don't have, like, an hour. I might have twenty minutes. Yep. Yeah. Mhmm. No dramas. Yeah. It's calling out at Scott sixth of August 1977. I live at 6 Brooks Terrace, Anahuacay, New South Wales. I've had a pay rise. I'm on 102,000 500 a year. Plus my bonus. Yes. Mhmm. Yeah. No. Yeah. Good. Yourself? Hello? Yeah. Yeah. Yeah. Mhmm. Okay. Alright. You're alright. K. Mhmm. Yeah. Yep. Mhmm. Mhmm. Yep. Mhmm. Okay. Yep. Mhmm. Mhmm. Yep. Hello? Lost you. Hello? 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Yeah, mate. How are you? Yeah. What's that?\n\nI don't have, like, an hour. I might have twenty minutes. Yep. Yeah. Mhmm.\n\nNo dramas. Yeah. It's calling out at Scott sixth of August 1977. I live at 6 Brooks Terrace, Anahuacay, New South Wales. I've had a pay rise.\n\nI'm on 102,000 500 a year. Plus my bonus. Yes. Mhmm. Yeah.\n\nNo. Yeah. Good. Yourself? Hello?\n\nYeah. Yeah. Yeah. Mhmm. Okay.\n\nAlright. You're alright. K. Mhmm. Yeah.\n\nYep. Mhmm. Mhmm. Yep. Mhmm.\n\nOkay. Yep. Mhmm. Mhmm. Yep.\n\nHello? Lost you. Hello? 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I'm it's Carl calling from IP Financial. I had to schedule in for a booking this\n\nChannel 1: Hello? Yeah, mate. How are you?\n\nChannel 0: morning. Yeah. Not too bad at all. Yourself?\n\nChannel 1: Yeah. What's that?\n\nChannel 0: Yep. Do you have time for the the booking this morning then?\n\nChannel 1: I don't have, like, an hour. I might have twenty minutes.\n\nChannel 0: Yeah. I'll try and make it as quick as possible there for\n\nChannel 1: Yep.\n\nChannel 0: you, Colin, in regards\n\nChannel 1: Yeah.\n\nChannel 0: to the recommendation.\n\nChannel 1: Mhmm.\n\nChannel 0: And then we'll once you have a chance to read through the document, you can come back with any questions you might have. How does that sound?\n\nChannel 1: No dramas.\n\nChannel 0: Perfect. Just get started on that one today. If you could just pass through security, just that name, date of birth, and current address there.\n\nChannel 1: Yeah. It's calling out at Scott sixth of August 1977. I live at 6 Brooks Terrace, Anahuacay, New South Wales.\n\nChannel 0: Perfect. Thank you for that one. And then just given the time that has elapsed sort of towards the end of last year trying to get this all finalized and everything since we last spoke, kind of confirm that there's no sort of changes in regards to your personal circumstances, financial or otherwise.\n\nChannel 1: I've had a pay rise.\n\nChannel 0: And what would\n\nChannel 1: I'm\n\nChannel 0: that\n\nChannel 1: on 102,000\n\nChannel 0: be\n\nChannel 1: 500 a year.\n\nChannel 0: now?\n\nChannel 1: Plus my\n\nChannel 0: And the\n\nChannel 1: bonus.\n\nChannel 0: and the bonus is still around the 30,000 mark in profit share?\n\nChannel 1: Yes.\n\nChannel 0: Yep. As far as the advice piece, it won't, like, affect what we're we're recommending today.\n\nChannel 1: Mhmm.\n\nChannel 0: But that's fine. If you wanted an amended SOA with that updated figure as well, that's more than fine as well. Given that it's only, like, $5,000 or difference. It's not a huge sorta\n\nChannel 1: Yeah.\n\nChannel 0: change. In regards to any other details, is there anything else largely you didn't get, like, a occupational title change or anything like that with that one?\n\nChannel 1: No.\n\nChannel 0: Perfect. So this document here there, Colin, will be going at to goodieaself@outlook.com. Is that still the correct email address?\n\nChannel 1: Yeah. Good. Yourself?\n\nChannel 0: Perfect. So that should be with you there shortly, and then you'll be able to\n\nChannel 1: Hello?\n\nChannel 0: yes. Sorry. Just\n\nChannel 1: Yeah.\n\nChannel 0: playing up on me there for a second.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. K. I don't know why this is buying up on me. I apologize for calling. It's just\n\nChannel 1: Yeah.\n\nChannel 0: I think there might be a slight issue this morning there. I'll just give you a rundown of what it actually is because I've given you time, probably\n\nChannel 1: Mhmm.\n\nChannel 0: won't be able to go through it there anyway while you're on the phone. I'll just do a quick overview of what the advice is. I'll get it sent out to you. And then if you have any questions from that, you can just let me know there. So apologies for that one.\n\nChannel 1: Okay.\n\nChannel 0: It's\n\nChannel 1: Alright.\n\nChannel 0: just\n\nChannel 1: You're\n\nChannel 0: not\n\nChannel 1: alright.\n\nChannel 0: sending there this morning. So in regards to the advice piece, once it comes through, they'll be through OdooSign and then not the the regular DocuSign that you've used previously. With that one there, it will come through as an attachment in the email that you can click as links to open their documents to be able to review these different types, and then they'll have the signable document portion there as well for you. Now\n\nChannel 1: K.\n\nChannel 0: in regards to that one, the signable documents, they're mainly in relation to one, the statement advice to the the change from your your policy that's currently held with BT. Now you currently hold those three funds.\n\nChannel 1: Mhmm.\n\nChannel 0: Now with that, we are recommending to consolidate that down from what you currently hold so you're not paying three sets of fees.\n\nChannel 1: Yeah.\n\nChannel 0: Now with that being a platform policy on your current BT Panorama account for that life insurance,\n\nChannel 1: Yep.\n\nChannel 0: The cancel and replace is basically to make that a stand alone policy for that life insurance policy that you do hold with BT. So it can just be paid through super rollover and not through the platform itself. And then with that, you'll be able to close out the BT Panorama and not\n\nChannel 1: Mhmm.\n\nChannel 0: have to retain 10,000 in that one. And then we're looking at just keeping the CBAS account for those group insurances you do hold. It's not a huge amount, but given that you didn't wanna revisit cover, you still got TPD insurance in there even if it is for 26,000. Until such time, you feel like with your your health, you're happy to be able to review that. I\n\nChannel 1: Mhmm.\n\nChannel 0: know with this sort of that high blood stress pressure and cholesterol, you just weren't sorta wanting to go through underwriting at that time with how busy you were as well. So\n\nChannel 1: Yep.\n\nChannel 0: we're gonna keep that PPD there as well for the time being and just having the two accounts, which is fantastic.\n\nChannel 1: Mhmm.\n\nChannel 0: You won't have to have the two. In regards to the c bus, obviously, 10,000 will remain for insurance purposes there, and then the rest will roll over into that hub to have everything a little bit more consolidated than your current position.\n\nChannel 1: Okay.\n\nChannel 0: Yeah. As far as the advice piece, it was created for yourself, finalized there on the the February 25. Now we confirm your details. It's valid for another thirty days just given the time to get you booked in and everything,\n\nChannel 1: Yep.\n\nChannel 0: which is fine. So you've got another thirty days to be able to review that and sign up with you confirming your details with me today.\n\nChannel 1: Mhmm.\n\nChannel 0: As far as advice itself, it was put together by myself and the team as an authorized representative of Oakview Financial. As far as the cut scopes considered, we did touch on superannuation and estate planning. I know you just wanted to do a review of the supers because you had the three, the estate planning, and then also the insurances there as well. We're just looking the recommendation is to retain basically what you have. So in terms of, like, a recommendation, we're not recommending new cover.\n\nWe're not re recommending if it's valid for your current circumstances, debts, things like that because I know you were comfortable given your primary residence debt at the moment. As far as some other things we did consider but didn't provide advice on was your budgeting and savings and then also debt management there\n\nChannel 1: Mhmm.\n\nChannel 0: as well. Now the limited advice basically pertains to that fact we're only providing a real recommendation on superannuation and the estate planning and limited with the the insurances just to make it a standalone policy there as well.\n\nChannel 1: Yep.\n\nChannel 0: The advice to you is basically roll over the BT Panorama fund, pass the roll over the c bus, and retain the hub for\n\nChannel 1: Hello? Lost you. Hello? Kyle, hello?","paragraphs":[{"sentences":[{"text":"Good morning, Colin.","start":2.3999999,"end":3.1999998,"sentiment":"neutral","sentiment_score":0.2680075565973918},{"text":"I'm it's Carl calling from IP Financial.","start":3.1999998,"end":5.2799997,"sentiment":"neutral","sentiment_score":0.12656213981764658},{"text":"I had to schedule in for a booking this","start":5.2799997,"end":7.14,"sentiment":"neutral","sentiment_score":0.07966590755515629}],"sentiment":"neutral","sentiment_score":0.12668162192168989,"channel":0,"num_words":19,"start":2.3999999,"end":7.14},{"sentences":[{"text":"Hello?","start":7.3599997,"end":7.52,"sentiment":"neutral","sentiment_score":0.08540492504835129},{"text":"Yeah, mate.","start":7.52,"end":8.0,"sentiment":"neutral","sentiment_score":0.17971057444810867},{"text":"How are you?","start":8.0,"end":8.82,"sentiment":"neutral","sentiment_score":0.23924988508224487}],"sentiment":"neutral","sentiment_score":0.19376262153188387,"channel":1,"num_words":6,"start":7.3599997,"end":8.82},{"sentences":[{"text":"morning.","start":8.639999,"end":9.04,"sentiment":"neutral","sentiment_score":0.11267131567001344},{"text":"Yeah.","start":9.04,"end":9.28,"sentiment":"neutral","sentiment_score":0.15750515460968018},{"text":"Not too bad at all.","start":9.28,"end":10.16,"sentiment":"neutral","sentiment_score":0.19069199860095978},{"text":"Yourself?","start":10.16,"end":10.66,"sentiment":"neutral","sentiment_score":0.0980403572320938}],"sentiment":"neutral","sentiment_score":0.1652096025645733,"channel":0,"num_words":8,"start":8.639999,"end":10.66},{"sentences":[{"text":"Yeah.","start":11.759999,"end":12.08,"sentiment":"neutral","sentiment_score":0.07027875632047653},{"text":"What's that?","start":12.08,"end":12.705,"sentiment":"neutral","sentiment_score":0.06768146716058254}],"sentiment":"neutral","sentiment_score":0.06854723021388054,"channel":1,"num_words":3,"start":11.759999,"end":12.705},{"sentences":[{"text":"Yep.","start":13.935,"end":14.435,"sentiment":"neutral","sentiment_score":0.08390211313962936},{"text":"Do you have time for the the booking this morning then?","start":14.575001,"end":17.075,"sentiment":"neutral","sentiment_score":0.041861632500182495}],"sentiment":"neutral","sentiment_score":0.04536500588680307,"channel":0,"num_words":12,"start":13.935,"end":17.075},{"sentences":[{"text":"I don't have, like, an hour.","start":18.064999,"end":19.845,"sentiment":"neutral","sentiment_score":-0.16876761615276337},{"text":"I might have twenty minutes.","start":19.904999,"end":21.765,"sentiment":"neutral","sentiment_score":-0.13300282806158065}],"sentiment":"neutral","sentiment_score":-0.15251089429313486,"channel":1,"num_words":11,"start":18.064999,"end":21.765},{"sentences":[{"text":"Yeah.","start":22.895,"end":23.215,"sentiment":"neutral","sentiment_score":0.009682627394795418},{"text":"I'll try and make it as quick as possible there for","start":23.215,"end":25.215,"sentiment":"neutral","sentiment_score":0.0606536055830392}],"sentiment":"neutral","sentiment_score":0.05640602406735221,"channel":0,"num_words":12,"start":22.895,"end":25.215},{"sentences":[{"text":"Yep.","start":25.185,"end":25.5,"sentiment":"neutral","sentiment_score":0.03570413216948509}],"sentiment":"neutral","sentiment_score":0.03570413216948509,"channel":1,"num_words":1,"start":25.185,"end":25.5},{"sentences":[{"text":"you, Colin, in regards","start":25.215,"end":26.494999,"sentiment":"neutral","sentiment_score":0.03360211430117488}],"sentiment":"neutral","sentiment_score":0.03360211430117488,"channel":0,"num_words":4,"start":25.215,"end":26.494999},{"sentences":[{"text":"Yeah.","start":26.22,"end":26.72,"sentiment":"neutral","sentiment_score":0.04278120398521423}],"sentiment":"neutral","sentiment_score":0.04278120398521423,"channel":1,"num_words":1,"start":26.22,"end":26.72},{"sentences":[{"text":"to the recommendation.","start":26.494999,"end":27.475,"sentiment":"neutral","sentiment_score":0.058658490578333534}],"sentiment":"neutral","sentiment_score":0.058658490578333534,"channel":0,"num_words":3,"start":26.494999,"end":27.475},{"sentences":[{"text":"Mhmm.","start":28.3,"end":28.8,"sentiment":"neutral","sentiment_score":0.0782233253121376}],"sentiment":"neutral","sentiment_score":0.0782233253121376,"channel":1,"num_words":1,"start":28.3,"end":28.8},{"sentences":[{"text":"And then we'll once you have a chance to read through the document, you can come back with any questions you might have.","start":28.46,"end":33.02,"sentiment":"neutral","sentiment_score":0.130335060150727},{"text":"How does that sound?","start":33.02,"end":34.0,"sentiment":"neutral","sentiment_score":0.09605999104678631}],"sentiment":"neutral","sentiment_score":0.12525727213532836,"channel":0,"num_words":27,"start":28.46,"end":34.0},{"sentences":[{"text":"No dramas.","start":34.3,"end":35.12,"sentiment":"neutral","sentiment_score":0.05188959464430809}],"sentiment":"neutral","sentiment_score":0.05188959464430809,"channel":1,"num_words":2,"start":34.3,"end":35.12},{"sentences":[{"text":"Perfect.","start":35.82,"end":36.32,"sentiment":"positive","sentiment_score":0.5090010166168213},{"text":"Just get started on that one today.","start":36.379997,"end":37.579998,"sentiment":"positive","sentiment_score":0.4594243935176304},{"text":"If you could just pass through security, just that name, date of birth, and current address there.","start":37.579998,"end":41.055,"sentiment":"neutral","sentiment_score":0.18569779571364908}],"sentiment":"neutral","sentiment_score":0.27527337193489076,"channel":0,"num_words":25,"start":35.82,"end":41.055},{"sentences":[{"text":"Yeah.","start":41.285004,"end":41.605003,"sentiment":"neutral","sentiment_score":0.0939217358827591},{"text":"It's calling out at Scott sixth of August 1977.","start":41.605003,"end":45.285004,"sentiment":"neutral","sentiment_score":0.061733672188387975},{"text":"I live at 6 Brooks Terrace, Anahuacay, New South Wales.","start":45.285004,"end":48.825,"sentiment":"neutral","sentiment_score":0.07916331142187119}],"sentiment":"neutral","sentiment_score":0.07205789498984813,"channel":1,"num_words":20,"start":41.285004,"end":48.825},{"sentences":[{"text":"Perfect.","start":49.935,"end":50.335,"sentiment":"positive","sentiment_score":0.5949092507362366},{"text":"Thank you for that one.","start":50.335,"end":51.295,"sentiment":"positive","sentiment_score":0.6914610266685486},{"text":"And then just given the time that has elapsed sort of towards the end of last year trying to get this all finalized and everything since we last spoke, kind of confirm that there's no sort of changes in regards to your personal circumstances, financial or otherwise.","start":51.295,"end":63.47,"sentiment":"neutral","sentiment_score":0.19717769768643886}],"sentiment":"neutral","sentiment_score":0.25131256934606805,"channel":0,"num_words":53,"start":49.935,"end":63.47},{"sentences":[{"text":"I've had a pay rise.","start":64.1,"end":65.235,"sentiment":"neutral","sentiment_score":0.02095325440168381}],"sentiment":"neutral","sentiment_score":0.02095325440168381,"channel":1,"num_words":5,"start":64.1,"end":65.235},{"sentences":[{"text":"And what 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one?","start":100.955,"end":108.66,"sentiment":"neutral","sentiment_score":-0.015699330788965408}],"sentiment":"neutral","sentiment_score":-0.014988286593170077,"channel":0,"num_words":27,"start":98.795006,"end":108.66},{"sentences":[{"text":"No.","start":108.86,"end":109.36,"sentiment":"neutral","sentiment_score":-0.04346847906708717}],"sentiment":"neutral","sentiment_score":-0.04346847906708717,"channel":1,"num_words":1,"start":108.86,"end":109.36},{"sentences":[{"text":"Perfect.","start":110.9,"end":111.4,"sentiment":"neutral","sentiment_score":0.2254258245229721},{"text":"So this document here there, Colin, will be going at to goodieaself@outlook.com.","start":112.340004,"end":118.340004,"sentiment":"neutral","sentiment_score":0.12695089044670263},{"text":"Is that still the correct email 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up on me there for a second.","start":138.69,"end":140.63,"sentiment":"negative","sentiment_score":-0.34467887692153454}],"sentiment":"negative","sentiment_score":-0.34467887692153454,"channel":0,"num_words":8,"start":138.69,"end":140.63},{"sentences":[{"text":"Yeah.","start":140.49,"end":140.99,"sentiment":"neutral","sentiment_score":0.060120876878499985}],"sentiment":"neutral","sentiment_score":0.060120876878499985,"channel":1,"num_words":1,"start":140.49,"end":140.99},{"sentences":[{"text":"Perfect.","start":143.97,"end":144.47,"sentiment":"neutral","sentiment_score":0.1466813087463379},{"text":"K.","start":148.725,"end":148.965,"sentiment":"neutral","sentiment_score":-0.038047730922698975},{"text":"I don't know why this is buying up on me.","start":148.965,"end":151.385,"sentiment":"neutral","sentiment_score":-0.30639722645282746},{"text":"I apologize for calling.","start":159.7,"end":160.98,"sentiment":"neutral","sentiment_score":-0.27584001421928406},{"text":"It's 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probably","start":187.25,"end":191.41,"sentiment":"neutral","sentiment_score":-0.02491561652106397}],"sentiment":"neutral","sentiment_score":-0.09185340215585061,"channel":0,"num_words":28,"start":183.73,"end":191.41},{"sentences":[{"text":"Mhmm.","start":191.215,"end":191.715,"sentiment":"neutral","sentiment_score":-0.1122363805770874}],"sentiment":"neutral","sentiment_score":-0.1122363805770874,"channel":1,"num_words":1,"start":191.215,"end":191.715},{"sentences":[{"text":"won't be able to go through it there anyway while you're on the phone.","start":191.41,"end":195.395,"sentiment":"neutral","sentiment_score":-0.09816420770117215},{"text":"I'll just do a quick overview of what the advice is.","start":195.395,"end":197.395,"sentiment":"neutral","sentiment_score":0.12531706555323166},{"text":"I'll get it sent out to you.","start":197.395,"end":198.195,"sentiment":"neutral","sentiment_score":0.1480470448732376},{"text":"And then if you have any questions from that, you can just let me know there.","start":198.195,"end":201.715,"sentiment":"neutral","sentiment_score":0.10333708999678493},{"text":"So apologies for that 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fees.","start":240.23999,"end":247.78,"sentiment":"neutral","sentiment_score":-0.02952434009184008}],"sentiment":"neutral","sentiment_score":-0.02952434009184008,"channel":0,"num_words":23,"start":240.23999,"end":247.78},{"sentences":[{"text":"Yeah.","start":248.145,"end":248.645,"sentiment":"neutral","sentiment_score":0.11220741271972656}],"sentiment":"neutral","sentiment_score":0.11220741271972656,"channel":1,"num_words":1,"start":248.145,"end":248.645},{"sentences":[{"text":"Now with that being a platform policy on your current BT Panorama account for that life 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well.","start":287.365,"end":295.705,"sentiment":"neutral","sentiment_score":-0.29748862260772335},{"text":"So","start":295.87,"end":296.11,"sentiment":"neutral","sentiment_score":-0.07921614497900009}],"sentiment":"neutral","sentiment_score":-0.29066760768182576,"channel":0,"num_words":32,"start":287.365,"end":296.11},{"sentences":[{"text":"Yep.","start":295.905,"end":296.405,"sentiment":"neutral","sentiment_score":-0.08342432975769043}],"sentiment":"neutral","sentiment_score":-0.08342432975769043,"channel":1,"num_words":1,"start":295.905,"end":296.405},{"sentences":[{"text":"we're gonna keep that PPD there as well for the time being and just having the two accounts, which is 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position.","start":303.71,"end":314.065,"sentiment":"neutral","sentiment_score":0.19925921224057674}],"sentiment":"neutral","sentiment_score":0.2066502773831057,"channel":0,"num_words":43,"start":301.47,"end":314.065},{"sentences":[{"text":"Okay.","start":314.64,"end":315.015,"sentiment":"neutral","sentiment_score":0.08617928624153137}],"sentiment":"neutral","sentiment_score":0.08617928624153137,"channel":1,"num_words":1,"start":314.64,"end":315.015},{"sentences":[{"text":"Yeah.","start":314.845,"end":315.345,"sentiment":"neutral","sentiment_score":0.09700728952884674},{"text":"As far as the advice piece, it was created for yourself, finalized there on the the February 25.","start":315.725,"end":321.58,"sentiment":"neutral","sentiment_score":0.13922812541325888},{"text":"Now we confirm your details.","start":321.72,"end":323.0,"sentiment":"neutral","sentiment_score":0.2225123256444931},{"text":"It's valid for another thirty days just given the time to get you booked in and everything,","start":323.0,"end":326.78,"sentiment":"neutral","sentiment_score":0.2518217765233096}],"sentiment":"neutral","sentiment_score":0.19504013112405452,"channel":0,"num_words":41,"start":314.845,"end":326.78},{"sentences":[{"text":"Yep.","start":326.93503,"end":327.21,"sentiment":"neutral","sentiment_score":0.25273630023002625}],"sentiment":"neutral","sentiment_score":0.25273630023002625,"channel":1,"num_words":1,"start":326.93503,"end":327.21},{"sentences":[{"text":"which is fine.","start":327.4,"end":328.3,"sentiment":"positive","sentiment_score":0.4363431731859843},{"text":"So you've got another thirty days to be able to review that and sign up with you confirming your details with me today.","start":328.52,"end":333.02,"sentiment":"positive","sentiment_score":0.34313106018563977}],"sentiment":"positive","sentiment_score":0.35388630399337184,"channel":0,"num_words":26,"start":327.4,"end":333.02},{"sentences":[{"text":"Mhmm.","start":333.28998,"end":333.78998,"sentiment":"neutral","sentiment_score":0.03129303455352783}],"sentiment":"neutral","sentiment_score":0.03129303455352783,"channel":1,"num_words":1,"start":333.28998,"end":333.78998},{"sentences":[{"text":"As far as advice itself, it was put together by myself and the team as an authorized representative of Oakview Financial.","start":334.24503,"end":339.625,"sentiment":"neutral","sentiment_score":0.04706079690229325},{"text":"As far as the cut scopes considered, we did touch on superannuation and estate planning.","start":339.92502,"end":344.08502,"sentiment":"neutral","sentiment_score":-0.0378720094760259},{"text":"I know you just wanted to do a review of the supers because you had the three, the estate planning, and then also the insurances there as well.","start":344.08502,"end":353.24,"sentiment":"neutral","sentiment_score":-0.011073795413332326},{"text":"We're just looking the recommendation is to retain basically what you have.","start":353.62,"end":357.7,"sentiment":"neutral","sentiment_score":-0.09357745883365472},{"text":"So in terms of, like, a recommendation, we're not recommending new cover.","start":357.7,"end":360.995,"sentiment":"neutral","sentiment_score":-0.2719433419406414}],"sentiment":"neutral","sentiment_score":-0.048592264637012376,"channel":0,"num_words":88,"start":334.24503,"end":360.995},{"sentences":[{"text":"We're not re recommending if it's valid for your current circumstances, debts, things like that because I know you were comfortable given your primary residence debt at the moment.","start":360.995,"end":369.415,"sentiment":"neutral","sentiment_score":-0.2664907846985192},{"text":"As far as some other things we did consider but didn't provide advice on was your budgeting and savings and then also debt management there","start":371.235,"end":377.33002,"sentiment":"neutral","sentiment_score":-0.1315932449698448}],"sentiment":"neutral","sentiment_score":-0.2040382200093181,"channel":0,"num_words":54,"start":360.995,"end":377.33002},{"sentences":[{"text":"Mhmm.","start":377.265,"end":377.765,"sentiment":"neutral","sentiment_score":-0.06499005854129791}],"sentiment":"neutral","sentiment_score":-0.06499005854129791,"channel":1,"num_words":1,"start":377.265,"end":377.765},{"sentences":[{"text":"as well.","start":377.33002,"end":377.99002,"sentiment":"neutral","sentiment_score":-0.060709696263074875},{"text":"Now the limited advice basically pertains to that fact we're only providing a real recommendation on superannuation and the estate planning and limited with the the insurances just to make it a standalone policy there as 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you.","start":404.095,"end":404.575,"sentiment":"neutral","sentiment_score":-0.08337291702628136},{"text":"Hello?","start":404.575,"end":405.075,"sentiment":"neutral","sentiment_score":-0.01108233630657196},{"text":"Kyle, hello?","start":407.295,"end":408.15,"sentiment":"neutral","sentiment_score":-0.07410817965865135}],"sentiment":"neutral","sentiment_score":-0.05496314292152723,"channel":1,"num_words":6,"start":401.77502,"end":408.15}]},"summary":{"result":"success","short":"The customer, Colin, receives a call from Carl at IP Financial who is scheduling a booking for a booking. Carl provides a general overview of the booking and confirms details with Colin, including the amount of money he will be paying and the details of the advice. He also mentions that Colin's current insurance policy is still valid for 30 days and that he will be able to review and sign up for the advice."},"intents":{"segments":[{"text":"I'm it's Carl calling from IP Financial. I had to schedule in for a booking this Hello? Yeah, mate.","start_word":3,"end_word":21,"intents":[{"intent":"Schedule booking","confidence_score":0.5407647}]},{"text":"Do you have time for the the booking this morning then?","start_word":37,"end_word":47,"intents":[{"intent":"Confirm time for booking","confidence_score":0.00004126907}]},{"text":"If you wanted an amended SOA with that updated figure as well, that's more than fine as well.","start_word":264,"end_word":281,"intents":[{"intent":"Update soa","confidence_score":0.54284114}]},{"text":"So this document here there, Colin, will be going at to goodieaself@outlook.com. Is that still the correct email address? Yeah. Good.","start_word":324,"end_word":344,"intents":[{"intent":"Confirm email address","confidence_score":0.170599}]},{"text":"I apologize for calling. It's just Yeah.","start_word":387,"end_word":393,"intents":[{"intent":"Apologize for ambiguity","confidence_score":5.0046626e-8}]},{"text":"I'll just do a quick overview of what the advice is. I'll get it sent out to you. And then if you have any questions from that, you can just let me know there. So apologies for that one. Okay.","start_word":437,"end_word":476,"intents":[{"intent":"Provide advice and clarification","confidence_score":0.00052897754}]},{"text":"With that one there, it will come through as an attachment in the email that you can click as links to open their documents to be able to review these different types, and then they'll have the signable document portion there as well for you.","start_word":514,"end_word":558,"intents":[{"intent":"Review medical insurance","confidence_score":0.0013955241}]},{"text":"Now with that, we are recommending to consolidate that down from what you currently hold so you're not paying three sets of fees. Yeah.","start_word":598,"end_word":621,"intents":[{"intent":"Consolidate funds","confidence_score":0.43777695}]},{"text":"And then we're looking at just keeping the CBAS account for those group insurances you do hold. It's not a huge amount, but given that you didn't wanna revisit cover, you still got TPD insurance in there even if it is for 26,000. Until such time, you feel like with your your health, you're happy to be able to review that. I Mhmm.","start_word":702,"end_word":764,"intents":[{"intent":"Retain cbas account","confidence_score":0.05621023}]},{"text":"In regards to the c bus, obviously, 10,000 will remain for insurance purposes there, and then the rest will roll over into that hub to have everything a little bit more consolidated than your current position. Okay. Yeah.","start_word":827,"end_word":864,"intents":[{"intent":"Consolidate accounts","confidence_score":0.48487493}]},{"text":"As far as the advice piece, it was created for yourself, finalized there on the the February 25. Now we confirm your details. It's valid for another thirty days just given the time to get you booked in and everything, Yep. which is fine. So you've got another thirty days to be able to review that and sign up with you confirming your details with me today. Mhmm.","start_word":865,"end_word":932,"intents":[{"intent":"Review advice","confidence_score":0.16054529}]},{"text":"We're just looking the recommendation is to retain basically what you have. So in terms of, like, a recommendation, we're not recommending new cover. We're not re recommending if it's valid for your current circumstances, debts, things like that because I know you were comfortable given your primary residence debt at the moment.","start_word":997,"end_word":1049,"intents":[{"intent":"Recommend retain cover","confidence_score":0.0024833872}]},{"text":"As far as some other things we did consider but didn't provide advice on was your budgeting and savings and then also debt management there Mhmm. as well.","start_word":1050,"end_word":1077,"intents":[{"intent":"Discuss budgeting and savings","confidence_score":0.113875054},{"intent":"Discuss debt management","confidence_score":0.53707963}]}]},"sentiments":{"segments":[{"text":"Good morning, Colin. I'm it's Carl calling from IP Financial. I had to schedule in for a booking this Hello? Yeah, mate. How are you? morning. Yeah. Not too bad at all. Yourself? Yeah. What's that? Yep. Do you have time for the the booking this morning then? I don't have, like, an hour. I might have twenty minutes. Yeah. I'll try and make it as quick as possible there for Yep. you, Colin, in regards Yeah. to the recommendation. Mhmm. And then we'll once you have a chance to read through the document, you can come back with any questions you might have. How does that sound? No dramas.","start_word":0,"end_word":109,"sentiment":"neutral","sentiment_score":0.0771678164601326},{"text":"Perfect. Just get started on that one today.","start_word":110,"end_word":117,"sentiment":"positive","sentiment_score":0.463181734085083},{"text":"If you could just pass through security, just that name, date of birth, and current address there. Yeah. It's calling out at Scott sixth of August 1977. I live at 6 Brooks Terrace, Anahuacay, New South Wales.","start_word":118,"end_word":154,"sentiment":"neutral","sentiment_score":0.11913027614355089},{"text":"Perfect. Thank you for that one.","start_word":155,"end_word":160,"sentiment":"positive","sentiment_score":0.6657990217208862},{"text":"And then just given the time that has elapsed sort of towards the end of last year trying to get this all finalized and everything since we last spoke, kind of confirm that there's no sort of changes in regards to your personal circumstances, financial or otherwise. I've had a pay rise. And what would I'm that on 102,000 be 500 a year. now? Plus my And the bonus. and the bonus is still around the 30,000 mark in profit share? Yes. Yep. As far as the advice piece, it won't, like, affect what we're we're recommending today. Mhmm. But that's fine.","start_word":161,"end_word":262,"sentiment":"neutral","sentiment_score":0.1234043464064598},{"text":"If you wanted an amended SOA with that updated figure as well, that's more than fine as well.","start_word":263,"end_word":280,"sentiment":"positive","sentiment_score":0.3851315677165985},{"text":"Given that it's only, like, $5,000 or difference. It's not a huge sorta Yeah. change. In regards to any other details, is there anything else largely you didn't get, like, a occupational title change or anything like that with that one? No. Perfect. So this document here there, Colin, will be going at to goodieaself@outlook.com. Is that still the correct email address? Yeah. Good. Yourself?","start_word":281,"end_word":345,"sentiment":"neutral","sentiment_score":0.05963511019945145},{"text":"Perfect.","start_word":346,"end_word":346,"sentiment":"positive","sentiment_score":0.45711588859558105},{"text":"So that should be with you there shortly, and then you'll be able to Hello? yes. Sorry. Just Yeah. playing up on me there for a second. Yeah. Perfect. K. I don't know why this is buying up on me. I apologize for calling. It's just Yeah. I think there might be a slight issue this morning there. I'll just give you a rundown of what it actually is because I've given you time, probably Mhmm. won't be able to go through it there anyway while you're on the phone. I'll just do a quick overview of what the advice is. I'll get it sent out to you. And then if you have any questions from that, you can just let me know there. So apologies for that one. Okay. It's Alright. just You're not alright. sending there this morning. So in regards to the advice piece, once it comes through, they'll be through OdooSign and then not the the regular DocuSign that you've used previously. With that one there, it will come through as an attachment in the email that you can click as links to open their documents to be able to review these different types, and then they'll have the signable document portion there as well for you. Now K. in regards to that one, the signable documents, they're mainly in relation to one, the statement advice to the the change from your your policy that's currently held with BT. Now you currently hold those three funds. Mhmm. Now with that, we are recommending to consolidate that down from what you currently hold so you're not paying three sets of fees. Yeah. Now with that being a platform policy on your current BT Panorama account for that life insurance, Yep. The cancel and replace is basically to make that a stand alone policy for that life insurance policy that you do hold with BT. So it can just be paid through super rollover and not through the platform itself. And then with that, you'll be able to close out the BT Panorama and not Mhmm. have to retain 10,000 in that one. And then we're looking at just keeping the CBAS account for those group insurances you do hold. It's not a huge amount, but given that you didn't wanna revisit cover, you still got TPD insurance in there even if it is for 26,000. Until such time, you feel like with your your health, you're happy to be able to review that. I Mhmm. know with this sort of that high blood stress pressure and cholesterol, you just weren't sorta wanting to go through underwriting at that time with how busy you were as well. So Yep.","start_word":347,"end_word":797,"sentiment":"neutral","sentiment_score":0.0446567252906093},{"text":"we're gonna keep that PPD there as well for the time being and just having the two accounts, which is fantastic.","start_word":798,"end_word":818,"sentiment":"positive","sentiment_score":0.6614056825637817},{"text":"Mhmm. You won't have to have the two. In regards to the c bus, obviously, 10,000 will remain for insurance purposes there, and then the rest will roll over into that hub to have everything a little bit more consolidated than your current position. Okay. Yeah. As far as the advice piece, it was created for yourself, finalized there on the the February 25. Now we confirm your details. It's valid for another thirty days just given the time to get you booked in and everything, Yep.","start_word":819,"end_word":905,"sentiment":"neutral","sentiment_score":0.20293310284614563},{"text":"which is fine. So you've got another thirty days to be able to review that and sign up with you confirming your details with me today.","start_word":906,"end_word":931,"sentiment":"positive","sentiment_score":0.3533584773540497},{"text":"Mhmm. As far as advice itself, it was put together by myself and the team as an authorized representative of Oakview Financial. As far as the cut scopes considered, we did touch on superannuation and estate planning. I know you just wanted to do a review of the supers because you had the three, the estate planning, and then also the insurances there as well. We're just looking the recommendation is to retain basically what you have. So in terms of, like, a recommendation, we're not recommending new cover. We're not re recommending if it's valid for your current circumstances, debts, things like that because I know you were comfortable given your primary residence debt at the moment. As far as some other things we did consider but didn't provide advice on was your budgeting and savings and then also debt management there Mhmm. as well. Now the limited advice basically pertains to that fact we're only providing a real recommendation on superannuation and the estate planning and limited with the the insurances just to make it a standalone policy there as well. Yep. The advice to you is basically roll over the BT Panorama fund, pass the roll over the c bus, and retain the hub for Hello? Lost you. Hello? Kyle, hello?","start_word":932,"end_word":1145,"sentiment":"neutral","sentiment_score":-0.0632011098003833}],"average":{"sentiment":"neutral","sentiment_score":0.07706747496513604}}}}