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I'll just run you through this advice and I'll be off all the same. Cool. So I'll pop this through to you. Will you be able to look onto the email with me, or should I just give you a bit of a walk through? Fantastic. Just quickly, I'll go through security with you. So I'm registered with Asic as adviser one two seven three one zero five. Mate, can I just grab your date of birth and address, please? And are you okay for the call to be recorded? Perfect. Mate, that should be through to your Gmail pretty quickly there. You've used this before, so it should go through to the main inbox, and it should be listed as statement of advice. Beautiful. I've attached a bunch of additional documents, which are just product documents, service guides, and the like. Once you go into that one, you should see the beachfront Gold Coast for the statement of advice. Perfect. The only two after this is just an alteration quote for Neon and a menu switch for Hub. So if you can just have a quick flip down for me to the scope of the site on pages three and four. So again, we're just focusing on a bit of an update to the super. I put together an update update in the SMA structure I was talking about, which is essentially bubbling up your portfolio, move it to a low fee menu, and then things can kind of be updated and changed throughout the year without having to go through the full reviews each time as the market changes. Other than that, there was the income protection, which was it had increased a little bit, so we were just trimming it's it's got estate planning, just some reminders around wills and powers of attorney, and we're not focusing on cash flow and debt management at this point. I have included just a bit of an update page six and seven just regarding the closure of the investment account, which we've sent off as well. Beautiful. If you can have a foot down for me, so we've got all of your details on pages eight and nine. That's your about you section. That just got your updated income and commission, which I'll base the advice on those. $1.57 plus about 15 to $20 dollars home. Cool. Assets and liabilities on the next page. We've got the investment account property, investment property, and so on. All the details are updated with yourself and Kaylee, so that should be pretty current. If you keep showing down for me, I'll do this pretty quickly. On '12 and '13, we've got your sort of more aggressive risk profile, which is essentially just trying to get all of your investments into growth assets, get as much returns as possible, and then when you close it to retirement, scale it back and protect it. There's quite a bit of text on what an SMA is afterwards in the strategy recommendations on fourteen and fifteen. But if you go down to the table for me all the way down to page nine ten. 19 on the document. Sorry. 20 on the digital. You should see a big investment table with a lot of rent figures on it. Cool. So what we basically do here is in order to move all this around, it'll all be essentially sold down or transferred into that SMA catalyst bubble at the bottom. And rather than you seeing seven, eight, nine different ETFs every time you log in to Hub, it'll all be consolidated into one option asset allocation. Main point here, middle row in gray, the growth total, we're still keeping it at about the 98% mark, same as it is. We're not increasing or decreasing the risk level. Cool. And then for the main outcome, if you go to the next one, you should see a fee comparison table where it's got in blue, like, current recommended and difference with some red and green on it. Yep. So the main difference is when we switch all the investments around, the ones that have to be sold down, there's a little bit of capital gains tax under the hood. That's $361. That's been factored in. Move you across to the core manual hub, which saves you a $180 a year. The investment fees half, that's another 470 saves per year. The insurance payments, if we trim that down, that'll save another 300, and then we get your returns back up at the bottom back up to those double digits kind of 11% average. Okay. Last thing is just projections on the next page. I've included all the returns for one three in five years. We're estimating an additional, with a grain of salt, another $100 over the next ten years by, like, essentially just trimming the fees down after performance and save on the premium. So any questions on that so far? So, mate, last one for the insurances just after that. We've trimmed it down in the quote to $915.08 a month, which is based on the base income of a 157,000. That should trim off about 10% of the price. That'll go from $3.05 to $3.02, and then you've got, yeah, 15% rebate off of that one. Probably enough, about 30¢ a month off of that out of pocket that you're paying as well. And that's pretty much it, Joe. Everything else is beneficiary nominations. Just trying to make sure that's all accurate for Vienna and Lila on the super, which is just a reminder from our last conversation, and some fees and commissions at the bottom and the closure of the investment account. So that's pretty much it. Yeah. So when you sign that authority at the bottom of this document, it'll then get you to switch across the alteration quote for Neil. Just gonna get that signed and submit to them. There's no applications or underwriting. That just goes straight through. And the third one is just the switch form for the menu within HubSpot call menu. And that's pretty much it. May I have any questions before I let you go for your weekend? Perfect. I would expect that account probably sold down next week early, and then I'm assuming the funds will hit the Westpac account with the end of the week if all goes well. Awesome. I'll just have a quick look to make sure that goes through alright. And, yes, that's come through perfectly. Thank you so much for that, Joe. I really appreciate it. Yeah. Just need to do the same thing with Kaylee, run through her insurance recommendations in the portfolio switch, but it all came through for the closure of the investment for both of you guys. So that one's already underway. Just need to run through her plan as well. Cool. If it's helpful, I do have early mornings on a Monday, Friday, and late night, Tuesday, Wednesday, Thursday. So if there's a time that works for her, I'll make an accommodation. Thanks so much, mate. Have a fantastic weekend. Weekend. Cheers, Joe. 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Thanks, Joe. How are you doing, mate? Happy Friday. Mate, thank you so much for taking a few minutes with me Today is now still a good time?\n\nYeah. Perfect, mate. I'll just run you through this advice and I'll be off all the same. Cool. So I'll pop this through to you.\n\nWill you be able to look onto the email with me, or should I just give you a bit of a walk through? Fantastic. Just quickly, I'll go through security with you. So I'm registered with Asic as adviser one two seven three one zero five. Mate, can I just grab your date of birth and address, please?\n\nAnd are you okay for the call to be recorded? Perfect. Mate, that should be through to your Gmail pretty quickly there. You've used this before, so it should go through to the main inbox, and it should be listed as statement of advice. Beautiful.\n\nI've attached a bunch of additional documents, which are just product documents, service guides, and the like. Once you go into that one, you should see the beachfront Gold Coast for the statement of advice. Perfect. The only two after this is just an alteration quote for Neon and a menu switch for Hub. So if you can just have a quick flip down for me to the scope of the site on pages three and four.\n\nSo again, we're just focusing on a bit of an update to the super. I put together an update update in the SMA structure I was talking about, which is essentially bubbling up your portfolio, move it to a low fee menu, and then things can kind of be updated and changed throughout the year without having to go through the full reviews each time as the market changes. Other than that, there was the income protection, which was it had increased a little bit, so we were just trimming it's it's got estate planning, just some reminders around wills and powers of attorney, and we're not focusing on cash flow and debt management at this point. I have included just a bit of an update page six and seven just regarding the closure of the investment account, which we've sent off as well. Beautiful.\n\nIf you can have a foot down for me, so we've got all of your details on pages eight and nine. That's your about you section. That just got your updated income and commission, which I'll base the advice on those. $1.57 plus about 15 to $20 dollars home. Cool.\n\nAssets and liabilities on the next page. We've got the investment account property, investment property, and so on. All the details are updated with yourself and Kaylee, so that should be pretty current. If you keep showing down for me, I'll do this pretty quickly. On '12 and '13, we've got your sort of more aggressive risk profile, which is essentially just trying to get all of your investments into growth assets, get as much returns as possible, and then when you close it to retirement, scale it back and protect it.\n\nThere's quite a bit of text on what an SMA is afterwards in the strategy recommendations on fourteen and fifteen. But if you go down to the table for me all the way down to page nine ten. 19 on the document. Sorry. 20 on the digital.\n\nYou should see a big investment table with a lot of rent figures on it. Cool. So what we basically do here is in order to move all this around, it'll all be essentially sold down or transferred into that SMA catalyst bubble at the bottom. And rather than you seeing seven, eight, nine different ETFs every time you log in to Hub, it'll all be consolidated into one option asset allocation. Main point here, middle row in gray, the growth total, we're still keeping it at about the 98% mark, same as it is.\n\nWe're not increasing or decreasing the risk level. Cool. And then for the main outcome, if you go to the next one, you should see a fee comparison table where it's got in blue, like, current recommended and difference with some red and green on it. Yep. So the main difference is when we switch all the investments around, the ones that have to be sold down, there's a little bit of capital gains tax under the hood.\n\nThat's $361. That's been factored in. Move you across to the core manual hub, which saves you a $180 a year. The investment fees half, that's another 470 saves per year. The insurance payments, if we trim that down, that'll save another 300, and then we get your returns back up at the bottom back up to those double digits kind of 11% average.\n\nOkay. Last thing is just projections on the next page. I've included all the returns for one three in five years. We're estimating an additional, with a grain of salt, another $100 over the next ten years by, like, essentially just trimming the fees down after performance and save on the premium. So any questions on that so far?\n\nSo, mate, last one for the insurances just after that. We've trimmed it down in the quote to $915.08 a month, which is based on the base income of a 157,000. That should trim off about 10% of the price. That'll go from $3.05 to $3.02, and then you've got, yeah, 15% rebate off of that one. Probably enough, about 30¢ a month off of that out of pocket that you're paying as well.\n\nAnd that's pretty much it, Joe. Everything else is beneficiary nominations. Just trying to make sure that's all accurate for Vienna and Lila on the super, which is just a reminder from our last conversation, and some fees and commissions at the bottom and the closure of the investment account. So that's pretty much it. Yeah.\n\nSo when you sign that authority at the bottom of this document, it'll then get you to switch across the alteration quote for Neil. Just gonna get that signed and submit to them. There's no applications or underwriting. That just goes straight through. And the third one is just the switch form for the menu within HubSpot call menu.\n\nAnd that's pretty much it. May I have any questions before I let you go for your weekend? Perfect. I would expect that account probably sold down next week early, and then I'm assuming the funds will hit the Westpac account with the end of the week if all goes well. Awesome.\n\nI'll just have a quick look to make sure that goes through alright. And, yes, that's come through perfectly. Thank you so much for that, Joe. I really appreciate it. Yeah.\n\nJust need to do the same thing with Kaylee, run through her insurance recommendations in the portfolio switch, but it all came through for the closure of the investment for both of you guys. So that one's already underway. Just need to run through her plan as well. Cool. If it's helpful, I do have early mornings on a Monday, Friday, and late night, Tuesday, Wednesday, Thursday.\n\nSo if there's a time that works for her, I'll make an accommodation. Thanks so much, mate. Have a fantastic weekend. Weekend. Cheers, Joe.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good.","start":3.6799998,"end":3.84,"sentiment":"positive","sentiment_score":0.6893174648284912},{"text":"Thanks, Joe.","start":3.84,"end":4.4,"sentiment":"positive","sentiment_score":0.7074949443340302},{"text":"How are you doing, mate?","start":4.4,"end":5.12,"sentiment":"positive","sentiment_score":0.5219914317131042},{"text":"Happy Friday.","start":5.12,"end":5.94,"sentiment":"positive","sentiment_score":0.6575207114219666},{"text":"Mate, thank you so much for taking a few minutes with me Today is now still a good time?","start":9.28,"end":13.804999,"sentiment":"positive","sentiment_score":0.6011351943016052}],"sentiment":"positive","sentiment_score":0.6017542974702244,"num_words":29,"start":3.6799998,"end":13.804999},{"sentences":[{"text":"Yeah.","start":19.625,"end":19.865,"sentiment":"neutral","sentiment_score":0.327362060546875},{"text":"Perfect, 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should go through to the main inbox, and it should be listed as statement of advice.","start":67.36,"end":74.354996,"sentiment":"neutral","sentiment_score":0.22282610901377417},{"text":"Beautiful.","start":77.375,"end":77.875,"sentiment":"positive","sentiment_score":0.6243743896484375}],"sentiment":"neutral","sentiment_score":0.2073544557309813,"num_words":45,"start":58.0,"end":77.875},{"sentences":[{"text":"I've attached a bunch of additional documents, which are just product documents, service guides, and the like.","start":78.41499,"end":84.274994,"sentiment":"neutral","sentiment_score":0.21142076481791103},{"text":"Once you go into that one, you should see the beachfront Gold Coast for the statement of advice.","start":84.575,"end":91.05,"sentiment":"neutral","sentiment_score":0.1945995899538199},{"text":"Perfect.","start":94.71001,"end":95.21001,"sentiment":"neutral","sentiment_score":0.33090779185295105},{"text":"The only two after this is just an alteration quote for Neon and a menu switch for Hub.","start":95.670006,"end":102.615,"sentiment":"neutral","sentiment_score":0.08391753087441127},{"text":"So if you can just have a quick flip down for me to the scope of the site on pages three and four.","start":102.615,"end":107.755,"sentiment":"neutral","sentiment_score":0.10310460918623468}],"sentiment":"neutral","sentiment_score":0.14688019454479218,"num_words":77,"start":78.41499,"end":107.755},{"sentences":[{"text":"So again, we're just focusing on a bit of an update to the super.","start":111.415,"end":114.875,"sentiment":"neutral","sentiment_score":0.045963896438479424},{"text":"I put together an update update in the SMA structure I was talking about, which is essentially bubbling up your portfolio, move it to a low fee menu, and then things can kind of be updated and changed throughout the year without having to go through the full reviews each time as the market changes.","start":115.815,"end":135.09499,"sentiment":"neutral","sentiment_score":0.1845667833631689},{"text":"Other than that, there was the income protection, which was it had increased a little bit, so we were just trimming it's it's got estate planning, just some reminders around wills and powers of attorney, and we're not focusing on cash flow and debt management at this point.","start":139.47499,"end":165.70499,"sentiment":"neutral","sentiment_score":0.022888490348123014},{"text":"I have included just a bit of an update page six and seven just regarding the closure of the investment account, which we've sent off as well.","start":165.84499,"end":175.48,"sentiment":"neutral","sentiment_score":0.07411959367217841},{"text":"Beautiful.","start":178.34,"end":178.84,"sentiment":"positive","sentiment_score":0.6889994740486145}],"sentiment":"neutral","sentiment_score":0.10057616327600233,"num_words":145,"start":111.415,"end":178.84},{"sentences":[{"text":"If you can have a foot down for me, so we've got all of your details on pages eight and nine.","start":179.14,"end":183.62,"sentiment":"neutral","sentiment_score":0.279269169483866},{"text":"That's your about you section.","start":183.62,"end":185.16501,"sentiment":"neutral","sentiment_score":0.18262646794319154},{"text":"That just got your updated income and commission, which I'll base the advice on those.","start":185.625,"end":191.725,"sentiment":"neutral","sentiment_score":0.2030701110760371},{"text":"$1.57 plus about 15 to $20 dollars home.","start":192.02501,"end":195.96,"sentiment":"neutral","sentiment_score":0.07958755735307932},{"text":"Cool.","start":199.56001,"end":200.06001,"sentiment":"positive","sentiment_score":0.547698974609375}],"sentiment":"neutral","sentiment_score":0.2201647199690342,"num_words":50,"start":179.14,"end":200.06001},{"sentences":[{"text":"Assets and liabilities on the next page.","start":200.20001,"end":202.12001,"sentiment":"neutral","sentiment_score":0.19674227706023625},{"text":"We've got the investment account property, investment property, and so on.","start":202.12001,"end":205.90001,"sentiment":"neutral","sentiment_score":0.13257286697626114},{"text":"All the details are updated with yourself and Kaylee, so that should be pretty current.","start":206.28,"end":211.035,"sentiment":"neutral","sentiment_score":0.3273385465145111},{"text":"If you keep showing down for me, I'll do this pretty quickly.","start":212.055,"end":214.875,"sentiment":"neutral","sentiment_score":0.15628867968916893},{"text":"On '12 and '13, we've got your sort of more aggressive risk profile, which is essentially just trying to get all of your investments into growth assets, get as much returns as possible, and then when you close it to retirement, scale it back and protect it.","start":215.33499,"end":230.73001,"sentiment":"neutral","sentiment_score":0.0693708562311974}],"sentiment":"neutral","sentiment_score":0.1400159790545054,"num_words":92,"start":200.20001,"end":230.73001},{"sentences":[{"text":"There's quite a bit of text on what an SMA is afterwards in the strategy recommendations on fourteen and fifteen.","start":234.15001,"end":241.405,"sentiment":"neutral","sentiment_score":0.0851753106340766},{"text":"But if you go down to the table for me all the way down to page nine ten.","start":242.025,"end":250.64,"sentiment":"neutral","sentiment_score":0.06728222221136093},{"text":"19 on the document.","start":251.22,"end":252.26,"sentiment":"neutral","sentiment_score":0.013551645679399371},{"text":"Sorry.","start":252.26,"end":252.58,"sentiment":"neutral","sentiment_score":-0.032037146389484406},{"text":"20 on the digital.","start":252.58,"end":253.62,"sentiment":"neutral","sentiment_score":0.003261856734752655}],"sentiment":"neutral","sentiment_score":0.062761767569216,"num_words":47,"start":234.15001,"end":253.62},{"sentences":[{"text":"You should see a big investment table with a lot of rent figures on it.","start":253.62,"end":257.16,"sentiment":"neutral","sentiment_score":0.15805558512608212},{"text":"Cool.","start":259.46,"end":259.94,"sentiment":"neutral","sentiment_score":0.02003676630556583},{"text":"So what we basically do here is in order to move all this around, it'll all be essentially sold down or transferred into that SMA catalyst bubble at the bottom.","start":259.94,"end":270.42502,"sentiment":"neutral","sentiment_score":0.06965276251236598},{"text":"And rather than you seeing seven, eight, nine different ETFs every time you log in to Hub, it'll all be consolidated into one option asset 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it.","start":307.98,"end":320.4804,"sentiment":"neutral","sentiment_score":0.15634071786661405},{"text":"Yep.","start":320.4804,"end":320.961,"sentiment":"neutral","sentiment_score":0.11014923453330994},{"text":"So the main difference is when we switch all the investments around, the ones that have to be sold down, there's a little bit of capital gains tax under the hood.","start":320.961,"end":332.57,"sentiment":"neutral","sentiment_score":0.08719231741082284}],"sentiment":"neutral","sentiment_score":0.10701626711166821,"num_words":78,"start":302.32498,"end":332.57},{"sentences":[{"text":"That's $361.","start":332.57,"end":334.51,"sentiment":"neutral","sentiment_score":0.11841095611453056},{"text":"That's been factored in.","start":335.05002,"end":336.51,"sentiment":"neutral","sentiment_score":0.15991028025746346},{"text":"Move you across to the core manual hub, which saves you a $180 a 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nominations.","start":432.535,"end":434.615,"sentiment":"neutral","sentiment_score":0.13710130602121354},{"text":"Just trying to make sure that's all accurate for Vienna and Lila on the super, which is just a reminder from our last conversation, and some fees and commissions at the bottom and the closure of the investment account.","start":434.615,"end":448.34,"sentiment":"neutral","sentiment_score":0.11796758151971377},{"text":"So that's pretty much it.","start":448.34,"end":456.385,"sentiment":"neutral","sentiment_score":0.10252936780452729},{"text":"Yeah.","start":456.385,"end":456.70502,"sentiment":"neutral","sentiment_score":0.10873322188854218}],"sentiment":"neutral","sentiment_score":0.12738544001643146,"num_words":56,"start":430.535,"end":456.70502},{"sentences":[{"text":"So when you sign that authority at the bottom of this document, it'll then get you to switch across the alteration quote for 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go for your weekend?","start":479.615,"end":481.715,"sentiment":"neutral","sentiment_score":0.0801207898901059},{"text":"Perfect.","start":486.655,"end":487.155,"sentiment":"positive","sentiment_score":0.4174901247024536},{"text":"I would expect that account probably sold down next week early, and then I'm assuming the funds will hit the Westpac account with the end of the week if all goes well.","start":487.53497,"end":498.37,"sentiment":"neutral","sentiment_score":0.03393410291755572},{"text":"Awesome.","start":502.91,"end":503.31,"sentiment":"positive","sentiment_score":0.5452436208724976}],"sentiment":"neutral","sentiment_score":0.07179815612303522,"num_words":52,"start":478.41498,"end":503.31},{"sentences":[{"text":"I'll just have a quick look to make sure that goes through alright.","start":503.31,"end":506.515,"sentiment":"neutral","sentiment_score":0.3249003038956569},{"text":"And, yes, that's come through perfectly.","start":506.695,"end":511.575,"sentiment":"positive","sentiment_score":0.44216694434483844},{"text":"Thank you so much for that, Joe.","start":511.575,"end":512.695,"sentiment":"positive","sentiment_score":0.6409931864057269},{"text":"I really appreciate it.","start":512.695,"end":513.91504,"sentiment":"positive","sentiment_score":0.634438619017601},{"text":"Yeah.","start":519.575,"end":519.735,"sentiment":"neutral","sentiment_score":0.031199250370264053}],"sentiment":"positive","sentiment_score":0.4494390854191396,"num_words":31,"start":503.31,"end":519.735},{"sentences":[{"text":"Just need to do the same thing with Kaylee, run through her insurance recommendations in the portfolio switch, but it all came through for the closure of the investment for both of you guys.","start":519.735,"end":531.15,"sentiment":"neutral","sentiment_score":0.05044606454013025},{"text":"So that one's already 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weekend.","start":560.94,"end":561.71094,"sentiment":"positive","sentiment_score":0.8211636394262314},{"text":"Weekend.","start":561.8709,"end":562.3709,"sentiment":"positive","sentiment_score":0.6083511114120483},{"text":"Cheers, Joe.","start":566.5109,"end":567.15094,"sentiment":"positive","sentiment_score":0.5151583254337311}],"sentiment":"positive","sentiment_score":0.3943155917804688,"num_words":24,"start":550.62,"end":567.15094},{"sentences":[{"text":"Bye.","start":567.15094,"end":567.65094,"sentiment":"neutral","sentiment_score":-0.12148229032754898}],"sentiment":"neutral","sentiment_score":-0.12148229032754898,"num_words":1,"start":567.15094,"end":567.65094}]}}]},{"alternatives":[{"transcript":"Hey. How are you? I'm too. Yes. It is. Yeah. It's all good now. I've got about half an hour this time to pick up the kids from school. Amazing. Thank you. Yeah. I can jump on the email. I've pulled over, so I'm all good. Yep. 05/10/1990 And 29 McClelland Circuit Upper Cougar. Yep. Yep. Got it now. Yes. Yep. Yep. Yep. Okay. Yep. Yeah. Yep. Yes. That's it. Okay. Yep. Okay. Yep. Okay. Yep. Okay. Nope. All good. Yep. Okay. Perfect. Okay. Excellent. So I'll just sign this. I'll send it off. Yep. Okay. Nope. Sounds all good. That should all yep. Okay. Perfect. Thank you very much. No problem at all. Are you still waiting on Hailey as well? Yeah. Yeah. Okay. Cool. I'll let her know. She flies back tonight, Okay. Yeah. Alright. Fantastic. I'll get to send you an email. Alright. Thank you. You too. See you. 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Okay.","start":537.11,"end":551.83496,"sentiment":"neutral","sentiment_score":0.15529534853994847}],"sentiment":"neutral","sentiment_score":0.14153945927197734,"num_words":12,"start":531.75,"end":551.83496},{"sentences":[{"text":"Yeah.","start":555.14,"end":555.54,"sentiment":"neutral","sentiment_score":0.14500440657138824},{"text":"Alright.","start":555.54,"end":556.04,"sentiment":"positive","sentiment_score":0.3575780391693115},{"text":"Fantastic.","start":556.18,"end":556.68,"sentiment":"positive","sentiment_score":0.8281205296516418},{"text":"I'll get to send you an email.","start":557.06,"end":558.52,"sentiment":"positive","sentiment_score":0.6696966205324445},{"text":"Alright.","start":561.7,"end":562.2,"sentiment":"positive","sentiment_score":0.5452139377593994}],"sentiment":"positive","sentiment_score":0.5967084778980776,"num_words":11,"start":555.14,"end":562.2},{"sentences":[{"text":"Thank you.","start":562.34,"end":563.06,"sentiment":"positive","sentiment_score":0.7741275429725647},{"text":"You too.","start":563.06,"end":563.88,"sentiment":"positive","sentiment_score":0.5124170184135437},{"text":"See you.","start":564.02,"end":564.34,"sentiment":"positive","sentiment_score":0.5123034417629242},{"text":"Speak to you soon.","start":564.34,"end":565.24,"sentiment":"neutral","sentiment_score":0.3231295347213745}],"sentiment":"positive","sentiment_score":0.48902141451835635,"num_words":10,"start":562.34,"end":565.24}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hey. How are you?\n\nChannel 0: Good. Thanks, Joe. How are you doing, mate? Happy Friday.\n\nChannel 1: I'm too.\n\nChannel 0: Mate, thank you so much for taking a few minutes with me Today is now still a good time?\n\nChannel 1: Yes. It is. Yeah. It's all good now. I've got about half an hour this time to pick up the kids from school.\n\nChannel 0: Yeah. Perfect, mate. I'll just run you through this advice and I'll be off all the same.\n\nChannel 1: Amazing. Thank you.\n\nChannel 0: Cool. So I'll pop this through to you. Will you be able to look onto the email with me, or should I just give you a bit of a walk through?\n\nChannel 1: Yeah. I can jump on the email. I've pulled over, so I'm all good.\n\nChannel 0: Fantastic. Just quickly, I'll go through security with you. So I'm registered with Asic as adviser one two seven three one zero five. Mate, can I just grab your date of birth and address, please?\n\nChannel 1: Yep. 05/10/1990 And 29 McClelland Circuit Upper Cougar.\n\nChannel 0: And are you okay for the call to be recorded?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Mate, that should be through to your Gmail pretty quickly there. You've used this before, so it should go through to the main inbox, and it should be listed as statement of advice.\n\nChannel 1: Yep. Got it now.\n\nChannel 0: Beautiful. I've attached a bunch of additional documents, which are just product documents, service guides, and the like. Once you go into that one, you should see the beachfront Gold Coast for the statement of advice.\n\nChannel 1: Yes.\n\nChannel 0: Perfect. The only two after this is just an alteration quote for Neon and a menu switch for Hub. So if you can just have a quick flip down for me to the scope of the site on pages three and four.\n\nChannel 1: Yep.\n\nChannel 0: So again, we're just focusing on a bit of an update to the super. I put together an update update in the SMA structure I was talking about, which is essentially bubbling up your portfolio, move it to a low fee menu, and then things can kind of be updated and changed throughout the year without having to go through the full reviews each time as the market changes.\n\nChannel 1: Yep.\n\nChannel 0: Other than that, there was the income protection, which was it had increased a little bit, so we were just trimming\n\nChannel 1: Yep.\n\nChannel 0: it's it's got estate planning, just some reminders around wills and powers of attorney, and we're not focusing on cash flow and debt management at this point. I have included just a bit of an update page six and seven just regarding the closure of the investment account, which we've sent off as well.\n\nChannel 1: Okay.\n\nChannel 0: Beautiful. If you can have a foot down for me, so we've got all of your details on pages eight and nine. That's your about you section. That just got your updated income and commission, which I'll base the advice on those. $1.57 plus about 15 to $20 dollars home.\n\nChannel 1: Yep.\n\nChannel 0: Cool. Assets and liabilities on the next page. We've got the investment account property, investment property, and so on. All the details are updated with yourself and Kaylee, so that should be pretty current. If you keep showing down for me, I'll do this pretty quickly.\n\nOn '12 and '13, we've got your sort of more aggressive risk profile, which is essentially just trying to get all of your investments into growth assets, get as much returns as possible, and then when you close it to retirement, scale it back and protect it.\n\nChannel 1: Yeah.\n\nChannel 0: There's quite a bit of text on what an SMA is afterwards in the strategy recommendations on fourteen and fifteen. But if you go down to the table for me all the way down to\n\nChannel 1: Yep.\n\nChannel 0: page nine ten. 19 on the document. Sorry. 20 on the digital. You should see a big investment table with a lot of rent figures on it.\n\nChannel 1: Yes. That's it.\n\nChannel 0: Cool. So what we basically do here is in order to move all this around, it'll all be essentially sold down or transferred into that SMA catalyst bubble at the bottom. And rather than you seeing seven, eight, nine different ETFs every time you log in to Hub, it'll all be consolidated into one option\n\nChannel 1: Okay.\n\nChannel 0: asset\n\nChannel 1: Yep.\n\nChannel 0: allocation. Main point here, middle row in gray, the growth total, we're still keeping it at about the 98% mark, same as it is. We're not increasing or decreasing the risk level.\n\nChannel 1: Okay.\n\nChannel 0: Cool. And then for the main outcome, if you go to the next one, you should see a fee comparison table where it's got in blue, like, current recommended and difference with some red and green on it. Yep. So the\n\nChannel 1: Yep.\n\nChannel 0: main difference is when we switch all the investments around, the ones that have to be sold down, there's a little bit of capital gains tax under the hood. That's $361. That's been factored in. Move you across to the core manual hub, which saves you a $180 a year. The investment fees half, that's another 470 saves per year.\n\nThe insurance payments, if we trim that down, that'll save another 300, and then we get your returns back up at the bottom back up to those double digits kind of 11% average.\n\nChannel 1: Okay.\n\nChannel 0: Okay. Last thing is just projections on the next page. I've included all the returns for one three in five years. We're estimating an additional, with a grain of salt, another $100 over the next ten years by, like,\n\nChannel 1: Yep.\n\nChannel 0: essentially just trimming the fees down after performance and save on the\n\nChannel 1: Okay.\n\nChannel 0: premium. So any questions on that so far?\n\nChannel 1: Nope. All good.\n\nChannel 0: So, mate, last one for the insurances just after that. We've trimmed it down in the quote to $915.08 a month, which is based on the base income of a 157,000. That\n\nChannel 1: Yep.\n\nChannel 0: should trim off about 10% of the\n\nChannel 1: Okay. Perfect.\n\nChannel 0: price. That'll go from $3.05 to $3.02, and then you've got, yeah, 15% rebate off of that one. Probably enough, about 30¢ a month off of that out of pocket that you're paying as well. And that's pretty much it, Joe. Everything else is beneficiary nominations.\n\nJust trying to make sure that's all accurate for Vienna and Lila on the super, which is just a reminder from our last conversation, and some fees and commissions at the bottom and the closure of the investment account. So that's pretty much\n\nChannel 1: Okay. Excellent. So I'll just sign this. I'll send it off.\n\nChannel 0: it. Yeah. So when you sign that authority at the bottom of this document, it'll then get you to switch across the alteration quote for Neil. Just gonna get\n\nChannel 1: Yep.\n\nChannel 0: that signed and submit to them. There's no applications or underwriting. That just goes straight through. And the third one is just the switch form for the menu within HubSpot call menu.\n\nChannel 1: Okay.\n\nChannel 0: And that's pretty much it. May I have any questions before I let you go for your weekend?\n\nChannel 1: Nope. Sounds all good.\n\nChannel 0: Perfect.\n\nChannel 1: That\n\nChannel 0: I\n\nChannel 1: should\n\nChannel 0: would\n\nChannel 1: all\n\nChannel 0: expect\n\nChannel 1: yep.\n\nChannel 0: that account probably sold down next week early, and then I'm assuming the funds will hit the Westpac account with the end of the week if all goes well.\n\nChannel 1: Okay. Perfect. Thank you very much.\n\nChannel 0: Awesome. I'll just have a quick look to make sure that goes through alright. And, yes, that's come through perfectly. Thank you so much for that, Joe. I really appreciate it.\n\nChannel 1: No problem at all. Are you still waiting on Hailey as well?\n\nChannel 0: Yeah. Just need to do the same thing with Kaylee, run through her insurance recommendations in the portfolio switch, but\n\nChannel 1: Yeah.\n\nChannel 0: it all came through for the closure of the investment for both of you guys. So that one's\n\nChannel 1: Yeah.\n\nChannel 0: already underway. Just need to run\n\nChannel 1: Okay. Cool. I'll let her know. She flies back tonight,\n\nChannel 0: through her plan as well. Cool. If it's helpful, I do have early mornings on a Monday, Friday, and late night, Tuesday, Wednesday, Thursday. So if there's a\n\nChannel 1: Okay.\n\nChannel 0: time that works for her, I'll make an accommodation.\n\nChannel 1: Yeah. Alright. Fantastic. I'll get to send you an email.\n\nChannel 0: Thanks so much, mate. Have a fantastic weekend.\n\nChannel 1: Alright.\n\nChannel 0: Weekend.\n\nChannel 1: Thank you. You too. See you. Speak to you soon.\n\nChannel 0: Cheers, Joe. Bye.","paragraphs":[{"sentences":[{"text":"Hey.","start":1.5999999,"end":1.8399999,"sentiment":"neutral","sentiment_score":0.19309112429618835},{"text":"How are you?","start":1.8399999,"end":2.74,"sentiment":"neutral","sentiment_score":0.25897865494092304}],"sentiment":"neutral","sentiment_score":0.24250677227973938,"channel":1,"num_words":4,"start":1.5999999,"end":2.74},{"sentences":[{"text":"Good.","start":3.6799998,"end":3.84,"sentiment":"positive","sentiment_score":0.6893174648284912},{"text":"Thanks, Joe.","start":3.84,"end":4.4,"sentiment":"positive","sentiment_score":0.7074949443340302},{"text":"How are you doing, mate?","start":4.4,"end":5.12,"sentiment":"positive","sentiment_score":0.5219914317131042},{"text":"Happy Friday.","start":5.12,"end":5.94,"sentiment":"positive","sentiment_score":0.6575207114219666}],"sentiment":"positive","sentiment_score":0.6029305934906006,"channel":0,"num_words":10,"start":3.6799998,"end":5.94},{"sentences":[{"text":"I'm 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about half an hour this time to pick up the kids from school.","start":15.975,"end":19.035,"sentiment":"positive","sentiment_score":0.35005367994308473}],"sentiment":"positive","sentiment_score":0.40974297730819037,"channel":1,"num_words":23,"start":14.32,"end":19.035},{"sentences":[{"text":"Yeah.","start":19.625,"end":19.865,"sentiment":"neutral","sentiment_score":0.327362060546875},{"text":"Perfect, mate.","start":19.865,"end":20.585,"sentiment":"positive","sentiment_score":0.6185635924339294},{"text":"I'll just run you through this advice and I'll be off all the same.","start":20.585,"end":24.044998,"sentiment":"positive","sentiment_score":0.4475177824497223}],"sentiment":"positive","sentiment_score":0.46057283527710857,"channel":0,"num_words":17,"start":19.625,"end":24.044998},{"sentences":[{"text":"Amazing.","start":24.775002,"end":25.275002,"sentiment":"positive","sentiment_score":0.734852135181427},{"text":"Thank 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well.","start":541.005,"end":543.617,"sentiment":"neutral","sentiment_score":0.20300502479076385},{"text":"Cool.","start":543.645,"end":544.145,"sentiment":"neutral","sentiment_score":0.26449504494667053},{"text":"If it's helpful, I do have early mornings on a Monday, Friday, and late night, Tuesday, Wednesday, Thursday.","start":544.285,"end":550.48,"sentiment":"neutral","sentiment_score":0.1635548695921898},{"text":"So if there's a","start":550.62,"end":551.33997,"sentiment":"neutral","sentiment_score":0.0215884898789227}],"sentiment":"neutral","sentiment_score":0.15392363503841416,"channel":0,"num_words":28,"start":541.005,"end":551.33997},{"sentences":[{"text":"Okay.","start":551.33496,"end":551.83496,"sentiment":"neutral","sentiment_score":0.025111841037869453}],"sentiment":"neutral","sentiment_score":0.025111841037869453,"channel":1,"num_words":1,"start":551.33496,"end":551.83496},{"sentences":[{"text":"time that works for her, I'll make an accommodation.","start":551.33997,"end":553.92,"sentiment":"neutral","sentiment_score":0.10125577118661669}],"sentiment":"neutral","sentiment_score":0.10125577118661669,"channel":0,"num_words":9,"start":551.33997,"end":553.92},{"sentences":[{"text":"Yeah.","start":555.14,"end":555.54,"sentiment":"neutral","sentiment_score":0.14500440657138824},{"text":"Alright.","start":555.54,"end":556.04,"sentiment":"positive","sentiment_score":0.3575780391693115},{"text":"Fantastic.","start":556.18,"end":556.68,"sentiment":"positive","sentiment_score":0.8281205296516418},{"text":"I'll get to send you an email.","start":557.06,"end":558.52,"sentiment":"positive","sentiment_score":0.6696966205324445}],"sentiment":"positive","sentiment_score":0.6018579319119454,"channel":1,"num_words":10,"start":555.14,"end":558.52},{"sentences":[{"text":"Thanks so much, mate.","start":560.06,"end":560.94,"sentiment":"positive","sentiment_score":0.8856489956378937},{"text":"Have a fantastic weekend.","start":560.94,"end":561.71094,"sentiment":"positive","sentiment_score":0.8211636394262314}],"sentiment":"positive","sentiment_score":0.8534063175320625,"channel":0,"num_words":8,"start":560.06,"end":561.71094},{"sentences":[{"text":"Alright.","start":561.7,"end":562.2,"sentiment":"positive","sentiment_score":0.5452139377593994}],"sentiment":"positive","sentiment_score":0.5452139377593994,"channel":1,"num_words":1,"start":561.7,"end":562.2},{"sentences":[{"text":"Weekend.","start":561.8709,"end":562.3709,"sentiment":"positive","sentiment_score":0.6083511114120483}],"sentiment":"positive","sentiment_score":0.6083511114120483,"channel":0,"num_words":1,"start":561.8709,"end":562.3709},{"sentences":[{"text":"Thank you.","start":562.34,"end":563.06,"sentiment":"positive","sentiment_score":0.7741275429725647},{"text":"You too.","start":563.06,"end":563.88,"sentiment":"positive","sentiment_score":0.5124170184135437},{"text":"See you.","start":564.02,"end":564.34,"sentiment":"positive","sentiment_score":0.5123034417629242},{"text":"Speak to you soon.","start":564.34,"end":565.24,"sentiment":"neutral","sentiment_score":0.3231295347213745}],"sentiment":"positive","sentiment_score":0.48902141451835635,"channel":1,"num_words":10,"start":562.34,"end":565.24},{"sentences":[{"text":"Cheers, Joe.","start":566.5109,"end":567.15094,"sentiment":"positive","sentiment_score":0.5151583254337311},{"text":"Bye.","start":567.15094,"end":567.65094,"sentiment":"neutral","sentiment_score":-0.12148229032754898}],"sentiment":"neutral","sentiment_score":0.3029447868466377,"channel":0,"num_words":3,"start":566.5109,"end":567.65094}]},"summary":{"result":"success","short":"The speaker updates the income and commission, property, and liabilities sections, including income protection, risk management, and retirement plans. They explain that the update will be sold or transferred into a SMA catalyst bubble at the bottom. The closure of an investment account is discussed, along with projections for returns and beneficiary nominations for investments. The speaker provides instructions on signing and submitting an authority document, and mentions a call with a representative to discuss insurance recommendations."},"intents":{"segments":[{"text":"So again, we're just focusing on a bit of an update to the super.","start_word":295,"end_word":308,"intents":[{"intent":"Update information","confidence_score":0.035727024}]},{"text":"I put together an update update in the SMA structure I was talking about, which is essentially bubbling up your portfolio, move it to a low fee menu, and then things can kind of be updated and changed throughout the year without having to go through the full reviews each time as the market changes. Yep.","start_word":310,"end_word":365,"intents":[{"intent":"Update portfolio","confidence_score":0.66768414},{"intent":"Update investment portfolio","confidence_score":0.0042239116}]},{"text":"Other than that, there was the income protection, which was it had increased a little bit, so we were just trimming Yep. it's it's got estate planning, just some reminders around wills and powers of attorney, and we're not focusing on cash flow and debt management at this point.","start_word":365,"end_word":413,"intents":[{"intent":"Trim estate planning","confidence_score":0.025688358}]},{"text":"That just got your updated income and commission, which I'll base the advice on those. $1.57 plus about 15 to $20 dollars home.","start_word":469,"end_word":491,"intents":[{"intent":"Update income and commission","confidence_score":0.09344224}]},{"text":"Assets and liabilities on the next page. We've got the investment account property, investment property, and so on. All the details are updated with yourself and Kaylee, so that should be pretty current.","start_word":494,"end_word":526,"intents":[{"intent":"Update asset details","confidence_score":0.09166674}]},{"text":"We've got the investment account property, investment property, and so on. All the details are updated with yourself and Kaylee, so that should be pretty current.","start_word":501,"end_word":526,"intents":[{"intent":"Update investment account details","confidence_score":0.19203636}]},{"text":"main difference is when we switch all the investments around, the ones that have to be sold down, there's a little bit of capital gains tax under the hood. That's $361.","start_word":786,"end_word":816,"intents":[{"intent":"Clarify pricing and savings","confidence_score":0.0009630587}]},{"text":"Just trying to make sure that's all accurate for Vienna and Lila on the super, which is just a reminder from our last conversation, and some fees and commissions at the bottom and the closure of the investment account.","start_word":1033,"end_word":1071,"intents":[{"intent":"Remind about rebates and commissions","confidence_score":0.00261668}]},{"text":"So I'll just sign this. I'll send it off. it. Yeah.","start_word":1078,"end_word":1088,"intents":[{"intent":"Sign document","confidence_score":0.2475335},{"intent":"Sign authority","confidence_score":0.009704908}]},{"text":"So when you sign that authority at the bottom of this document, it'll then get you to switch across the alteration quote for Neil. Just gonna get Yep.","start_word":1089,"end_word":1116,"intents":[{"intent":"Get switch quote","confidence_score":0.0015745052}]},{"text":"And the third one is just the switch form for the menu within HubSpot call menu. Okay.","start_word":1133,"end_word":1149,"intents":[{"intent":"Call menu","confidence_score":0.003338466}]},{"text":"May I have any questions before I let you go for your weekend? Nope.","start_word":1155,"end_word":1168,"intents":[{"intent":"Schedule a call","confidence_score":0.002418477}]},{"text":"Are you still waiting on Hailey as well?","start_word":1250,"end_word":1257,"intents":[{"intent":"Wait on kaylee","confidence_score":0.00043262952}]}]},"sentiments":{"segments":[{"text":"Hey. How are you?","start_word":0,"end_word":3,"sentiment":"neutral","sentiment_score":0.23483142256736755},{"text":"Good. Thanks, Joe. How are you doing, mate? Happy Friday. I'm too. Mate, thank you so much for taking a few minutes with me Today is now still a good time?","start_word":4,"end_word":34,"sentiment":"positive","sentiment_score":0.5819892883300781},{"text":"Yes.","start_word":35,"end_word":35,"sentiment":"neutral","sentiment_score":0.31680694222450256},{"text":"It is. Yeah. It's all good now. I've got about half an hour this time to pick up the kids from school.","start_word":36,"end_word":57,"sentiment":"positive","sentiment_score":0.4347519278526306},{"text":"Yeah.","start_word":58,"end_word":58,"sentiment":"neutral","sentiment_score":0.327362060546875},{"text":"Perfect, mate. I'll just run you through this advice and I'll be off all the same. Amazing. Thank you. Cool.","start_word":59,"end_word":78,"sentiment":"positive","sentiment_score":0.5212445259094238},{"text":"So I'll pop this through to you. Will you be able to look onto the email with me, or should I just give you a bit of a walk through? Yeah. I can jump on the email.","start_word":79,"end_word":115,"sentiment":"neutral","sentiment_score":0.16237856447696686},{"text":"I've pulled over, so I'm all good. Fantastic.","start_word":116,"end_word":123,"sentiment":"positive","sentiment_score":0.4106190502643585},{"text":"Just quickly, I'll go through security with you. So I'm registered with Asic as adviser one two seven three one zero five. Mate, can I just grab your date of birth and address, please? Yep. 05/10/1990 And 29 McClelland Circuit Upper Cougar. And are you okay for the call to be recorded? Yep. Perfect. Mate, that should be through to your Gmail pretty quickly there. You've used this before, so it should go through to the main inbox, and it should be listed as statement of advice. Yep. Got it now.","start_word":124,"end_word":214,"sentiment":"neutral","sentiment_score":0.14575229585170746},{"text":"Beautiful.","start_word":215,"end_word":215,"sentiment":"positive","sentiment_score":0.6243743896484375},{"text":"I've attached a bunch of additional documents, which are just product documents, service guides, and the like. Once you go into that one, you should see the beachfront Gold Coast for the statement of advice. Yes. Perfect. The only two after this is just an alteration quote for Neon and a menu switch for Hub. So if you can just have a quick flip down for me to the scope of the site on pages three and four. Yep. So again, we're just focusing on a bit of an update to the super. I put together an update update in the SMA structure I was talking about, which is essentially bubbling up your portfolio, move it to a low fee menu, and then things can kind of be updated and changed throughout the year without having to go through the full reviews each time as the market changes. Yep. Other than that, there was the income protection, which was it had increased a little bit, so we were just trimming Yep. it's it's got estate planning, just some reminders around wills and powers of attorney, and we're not focusing on cash flow and debt management at this point. I have included just a bit of an update page six and seven just regarding the closure of the investment account, which we've sent off as well.","start_word":216,"end_word":440,"sentiment":"neutral","sentiment_score":0.1138894780476888},{"text":"Okay. Beautiful.","start_word":441,"end_word":442,"sentiment":"positive","sentiment_score":0.6000176668167114},{"text":"If you can have a foot down for me, so we've got all of your details on pages eight and nine. That's your about you section. That just got your updated income and commission, which I'll base the advice on those. $1.57 plus about 15 to $20 dollars home.","start_word":443,"end_word":491,"sentiment":"neutral","sentiment_score":0.21136492490768433},{"text":"Yep. Cool.","start_word":492,"end_word":493,"sentiment":"positive","sentiment_score":0.4330260753631592},{"text":"Assets and liabilities on the next page. We've got the investment account property, investment property, and so on. All the details are updated with yourself and Kaylee, so that should be pretty current. If you keep showing down for me, I'll do this pretty quickly. On '12 and '13, we've got your sort of more aggressive risk profile, which is essentially just trying to get all of your investments into growth assets, get as much returns as possible, and then when you close it to retirement, scale it back and protect it. Yeah. There's quite a bit of text on what an SMA is afterwards in the strategy recommendations on fourteen and fifteen. But if you go down to the table for me all the way down to Yep. page nine ten. 19 on the document. Sorry. 20 on the digital. You should see a big investment table with a lot of rent figures on it. Yes. That's it.","start_word":494,"end_word":652,"sentiment":"neutral","sentiment_score":0.11497591435909273},{"text":"Cool.","start_word":653,"end_word":653,"sentiment":"positive","sentiment_score":0.4577404260635376},{"text":"So what we basically do here is in order to move all this around, it'll all be essentially sold down or transferred into that SMA catalyst bubble at the bottom. And rather than you seeing seven, eight, nine different ETFs every time you log in to Hub, it'll all be consolidated into one option Okay. asset Yep. allocation. Main point here, middle row in gray, the growth total, we're still keeping it at about the 98% mark, same as it is. We're not increasing or decreasing the risk level. Okay.","start_word":654,"end_word":743,"sentiment":"neutral","sentiment_score":0.10255124419927596},{"text":"Cool.","start_word":744,"end_word":744,"sentiment":"positive","sentiment_score":0.380206286907196},{"text":"And then for the main outcome, if you go to the next one, you should see a fee comparison table where it's got in blue, like, current recommended and difference with some red and green on it. Yep. So the Yep. main difference is when we switch all the investments around, the ones that have to be sold down, there's a little bit of capital gains tax under the hood. That's $361. That's been factored in. Move you across to the core manual hub, which saves you a $180 a year.","start_word":745,"end_word":835,"sentiment":"neutral","sentiment_score":0.1517105996608734},{"text":"The investment fees half, that's another 470 saves per year.","start_word":836,"end_word":845,"sentiment":"positive","sentiment_score":0.3424556851387024},{"text":"The insurance payments, if we trim that down, that'll save another 300, and then we get your returns back up at the bottom back up to those double digits kind of 11% average. Okay. Okay. Last thing is just projections on the next page. I've included all the returns for one three in five years. We're estimating an additional, with a grain of salt, another $100 over the next ten years by, like, Yep. essentially just trimming the fees down after performance and save on the Okay. premium. So any questions on that so far? Nope. All good. So, mate, last one for the insurances just after that. We've trimmed it down in the quote to $915.08 a month, which is based on the base income of a 157,000. That Yep. should trim off about 10% of the Okay.","start_word":846,"end_word":984,"sentiment":"neutral","sentiment_score":0.13721296191215515},{"text":"Perfect.","start_word":985,"end_word":985,"sentiment":"positive","sentiment_score":0.4625845551490784},{"text":"price. That'll go from $3.05 to $3. 02, and then you've got, yeah, 15% rebate off of that one. Probably enough, about 30<unk> a month off of that out of pocket that you're paying as well. And that's pretty much it, Joe. Everything else is beneficiary nominations. Just trying to make sure that's all accurate for Vienna and Lila on the super, which is just a reminder from our last conversation, and some fees and commissions at the bottom and the closure of the investment account. So that's pretty much Okay.","start_word":986,"end_word":1076,"sentiment":"neutral","sentiment_score":0.1465781583235814},{"text":"Excellent.","start_word":1077,"end_word":1077,"sentiment":"positive","sentiment_score":0.5181171298027039},{"text":"So I'll just sign this. I'll send it off. it. Yeah. So when you sign that authority at the bottom of this document, it'll then get you to switch across the alteration quote for Neil. Just gonna get Yep. that signed and submit to them. There's no applications or underwriting. That just goes straight through. And the third one is just the switch form for the menu within HubSpot call menu. Okay. And that's pretty much it. May I have any questions before I let you go for your weekend? Nope. Sounds all good.","start_word":1078,"end_word":1171,"sentiment":"neutral","sentiment_score":0.11821673065423964},{"text":"Perfect.","start_word":1172,"end_word":1172,"sentiment":"positive","sentiment_score":0.4174901247024536},{"text":"That I should would all expect yep. that account probably sold down next week early, and then I'm assuming the funds will hit the Westpac account with the end of the week if all goes well. Okay.","start_word":1173,"end_word":1209,"sentiment":"neutral","sentiment_score":0.051570530980825424},{"text":"Perfect. Thank you very much. Awesome. I'll just have a quick look to make sure that goes through alright. And, yes, that's come through perfectly. Thank you so much for that, Joe. I really appreciate it.","start_word":1210,"end_word":1245,"sentiment":"positive","sentiment_score":0.46113067865371704},{"text":"No problem at all. Are you still waiting on Hailey as well? Yeah. Just need to do the same thing with Kaylee, run through her insurance recommendations in the portfolio switch, but Yeah. it all came through for the closure of the investment for both of you guys. So that one's Yeah. already underway. Just need to run Okay. Cool. I'll let her know. She flies back tonight, through her plan as well. Cool. If it's helpful, I do have early mornings on a Monday, Friday, and late night, Tuesday, Wednesday, Thursday. So if there's a Okay. time that works for her, I'll make an accommodation. Yeah.","start_word":1246,"end_word":1351,"sentiment":"neutral","sentiment_score":0.09841789305210114},{"text":"Alright. Fantastic. I'll get to send you an email. Thanks so much, mate. Have a fantastic weekend. Alright. Weekend. Thank you. You too. See you.","start_word":1352,"end_word":1376,"sentiment":"positive","sentiment_score":0.6821389198303223},{"text":"Speak to you soon.","start_word":1377,"end_word":1380,"sentiment":"neutral","sentiment_score":0.31659960746765137},{"text":"Cheers, Joe.","start_word":1381,"end_word":1382,"sentiment":"positive","sentiment_score":0.5266827940940857},{"text":"Bye.","start_word":1383,"end_word":1383,"sentiment":"neutral","sentiment_score":0.31652024388313293}],"average":{"sentiment":"neutral","sentiment_score":0.1799961625904907}}}}