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We're up in Queensland, being hit with some beautiful, beautiful rain. Definitely do. Definitely do. Don't like my death. We're getting home without the floods, but that's okay. There's just that one road that always always runs me the risk of not getting home, but that's okay. Anyway, the reason for my call. Right. Never. No. It's it's almost nice because when it does rain, like, sometimes you just can't get to work. I sure can do that from pretty much, like, anywhere, so I'm very, very lucky on that note. Anyway, the reason for my call today was just so I could go through and have a conversation with you with regards to the advice that we had put together. Now I've already said that to you. Nice and easy. It's pertaining to the conversation you've had with my colleague, Dennis, in January. Now Dennis was only with us for a little bit, but he unfortunately had a a number of family emergencies pop up, and he left us shortly after joining the team to to go and be with family. So I've I've taken over his files. Now I'm the head of advice at Oakview. I've been with the team for about eighteen months so far. And I guess my role is to, a, I'm a licensed financial adviser, but, b, I take care of all the advisers here within the team. Now with the advice that has been put together, I obviously went through, Dennis's call with you originally and the conversation, looked at the the position that you were in and and what you were looking to do. I've noted since that time, you you had put your insurance policy with Clearview on pause. And then recently, within the last month or so, you contacted them and made the decision to actually cancel that that income protection policy? Yeah. No. That's okay. I did see that you were sort of tossing up whether you were gonna cancel that policy back in January. You were just you got you went on pause for a little bit just to see whether you could continue sustaining that policy or not. Yeah. Did you want me to look at alternatives in that insurance realm, or are you comfortable now just understanding that you won't have a policy that that covers you for income protection. Okay. Alright. Well, if that changes, obviously, we'll start the conversation every year. But, of course, if that that changes, then we can definitely relook into it. Don't forget that any of the premiums that you paid for this year are tax deduction for yourself, so make sure that you do claim those when you do your tax return this year. But, otherwise, the the the advice that we've put together very much just pertains to the superannuation fund, making a few changes to the actual underlying investments within the fund and getting those ones just a little bit more up to date with where the markets move, how the climate's changing, just to get things moving and migrating a little bit a little bit smoother. Now your superannuation fund is still being performing really, really nicely. It's it's not something that I'm I'm upset about with regards to the the actual performance. But it's always good to to do a little bit of a tweak here and there with some of those underlying assets to get us sitting a little bit better. Historically, the fund has been sitting at around 11% returns, but we can probably increase that by a couple more percent to get get a little bit more growth happening. Okay? Now you still have your insurance with Zurich. So you have your life in TPD or total permanent disability insurance sitting there. So that's still there covering you on from from that perspective. That policy is paid for by your superannuation fund. Now one of the things I did note that was on file was that your partner may have changed her name. Is that correct? Just yeah. I'll just bring it back up again. Sorry. I closed that screen. Because on your beneficiaries, I had it as Melissa n Elored. Oh, cool. Yeah. So what I wanna do is I wanna get that updated because we need to. So I will send you a beneficiary form that has it corrected. So can you just spell it one more time for me so I know I have it spelled right? So e l d r e d. Perfect. Perfect. Alright. Well, I'll I'll fill out the form with her listed as as beneficiary along with the two kids and and get that sent out to you just so we can get that one updated. I'll type it so that way there's no mistakes with handwriting. Okay? Perfect. Other than that, the documents have been sent through to you already for you to have a look over. As I said, the the advice is very, very much just focused on on the superannuation investments, just making some slight tweaks to them. Nothing too too intensive. Realistically, we're I'm just rebalancing a lot of the portfolio that you already have, so some of the assets that you already hold, and I'm only replacing a few of them. So I'm getting rid of two that you have at the moment. One of them is a Bennelong Australian Equities, and I'm replacing that with another Australian Equity Fund. It's a little bit cheaper, a little bit better on the performance. And then I'm because banking hybrids, it's a type of fund that currently exists. They're actually being phased out legislatively. So within the next sort of five years or so, they actually won't exist at all. I'm actually pulling you out of that and putting you into a an into a bond that has a little bit more longevity in it. So not a lot changing, but other than that, just a little bit of change to the weighting of funds that you already hold. Okay? Perfect. So that's all being sent to you. It's through a system that you possibly haven't used yet. We merged our CRM, or we've got a new CRM and and our signing platform. It'll all come through you from Oakview, so you'll be able to see that anyway. Yeah. I'm here. I'm here. So, yeah, so that's being sent to you now. Cool. Well, if you no. Not at all. No. You are so fine. Go like, travel safe. You don't have to look at it now. If you do have any questions when you do have a look at it, just give us a bell, and and I'm more than happy to answer any questions you might have. Perfect. Alright. Well, you travel safe, David, and we'll chat later. K. Thanks so much. 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Good e well, good afternoon, David. Larissa from OG Financial. How are you going? Yeah.\n\nNot too bad. It's rainy, wet, absolutely gloomy, but we're getting through it on a Monday. Yeah. Yeah. We're up in Queensland, being hit with some beautiful, beautiful rain.\n\nDefinitely do. Definitely do. Don't like my death. We're getting home without the floods, but that's okay. There's just that one road that always always runs me the risk of not getting home, but that's okay.\n\nAnyway, the reason for my call. Right. Never. No. It's it's almost nice because when it does rain, like, sometimes you just can't get to work.\n\nI sure can do that from pretty much, like, anywhere, so I'm very, very lucky on that note. Anyway, the reason for my call today was just so I could go through and have a conversation with you with regards to the advice that we had put together. Now I've already said that to you. Nice and easy. It's pertaining to the conversation you've had with my colleague, Dennis, in January.\n\nNow Dennis was only with us for a little bit, but he unfortunately had a a number of family emergencies pop up, and he left us shortly after joining the team to to go and be with family. So I've I've taken over his files. Now I'm the head of advice at Oakview. I've been with the team for about eighteen months so far. And I guess my role is to, a, I'm a licensed financial adviser, but, b, I take care of all the advisers here within the team.\n\nNow with the advice that has been put together, I obviously went through, Dennis's call with you originally and the conversation, looked at the the position that you were in and and what you were looking to do. I've noted since that time, you you had put your insurance policy with Clearview on pause. And then recently, within the last month or so, you contacted them and made the decision to actually cancel that that income protection policy? Yeah. No.\n\nThat's okay. I did see that you were sort of tossing up whether you were gonna cancel that policy back in January. You were just you got you went on pause for a little bit just to see whether you could continue sustaining that policy or not. Yeah. Did you want me to look at alternatives in that insurance realm, or are you comfortable now just understanding that you won't have a policy that that covers you for income protection.\n\nOkay. Alright. Well, if that changes, obviously, we'll start the conversation every year. But, of course, if that that changes, then we can definitely relook into it. Don't forget that any of the premiums that you paid for this year are tax deduction for yourself, so make sure that you do claim those when you do your tax return this year.\n\nBut, otherwise, the the the advice that we've put together very much just pertains to the superannuation fund, making a few changes to the actual underlying investments within the fund and getting those ones just a little bit more up to date with where the markets move, how the climate's changing, just to get things moving and migrating a little bit a little bit smoother. Now your superannuation fund is still being performing really, really nicely. It's it's not something that I'm I'm upset about with regards to the the actual performance. But it's always good to to do a little bit of a tweak here and there with some of those underlying assets to get us sitting a little bit better. Historically, the fund has been sitting at around 11% returns, but we can probably increase that by a couple more percent to get get a little bit more growth happening.\n\nOkay? Now you still have your insurance with Zurich. So you have your life in TPD or total permanent disability insurance sitting there. So that's still there covering you on from from that perspective. That policy is paid for by your superannuation fund.\n\nNow one of the things I did note that was on file was that your partner may have changed her name. Is that correct? Just yeah. I'll just bring it back up again. Sorry.\n\nI closed that screen. Because on your beneficiaries, I had it as Melissa n Elored. Oh, cool. Yeah. So what I wanna do is I wanna get that updated because we need to.\n\nSo I will send you a beneficiary form that has it corrected. So can you just spell it one more time for me so I know I have it spelled right? So e l d r e d. Perfect. Perfect.\n\nAlright. Well, I'll I'll fill out the form with her listed as as beneficiary along with the two kids and and get that sent out to you just so we can get that one updated. I'll type it so that way there's no mistakes with handwriting. Okay? Perfect.\n\nOther than that, the documents have been sent through to you already for you to have a look over. As I said, the the advice is very, very much just focused on on the superannuation investments, just making some slight tweaks to them. Nothing too too intensive. Realistically, we're I'm just rebalancing a lot of the portfolio that you already have, so some of the assets that you already hold, and I'm only replacing a few of them. So I'm getting rid of two that you have at the moment.\n\nOne of them is a Bennelong Australian Equities, and I'm replacing that with another Australian Equity Fund. It's a little bit cheaper, a little bit better on the performance. And then I'm because banking hybrids, it's a type of fund that currently exists. They're actually being phased out legislatively. So within the next sort of five years or so, they actually won't exist at all.\n\nI'm actually pulling you out of that and putting you into a an into a bond that has a little bit more longevity in it. So not a lot changing, but other than that, just a little bit of change to the weighting of funds that you already hold. Okay? Perfect. So that's all being sent to you.\n\nIt's through a system that you possibly haven't used yet. We merged our CRM, or we've got a new CRM and and our signing platform. It'll all come through you from Oakview, so you'll be able to see that anyway. Yeah. I'm here.\n\nI'm here. So, yeah, so that's being sent to you now. Cool. Well, if you no. Not at all.\n\nNo. You are so fine. Go like, travel safe. You don't have to look at it now. If you do have any questions when you do have a look at it, just give us a bell, and and I'm more than happy to answer any questions you might have.\n\nPerfect. Alright. Well, you travel safe, David, and we'll chat later. K. Thanks so much.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hi.","start":3.04,"end":3.28,"sentiment":"neutral","sentiment_score":0.21116089820861816},{"text":"Good e well, good afternoon, David.","start":3.28,"end":5.2799997,"sentiment":"positive","sentiment_score":0.5271365493535995},{"text":"Larissa from OG Financial.","start":5.2799997,"end":6.56,"sentiment":"neutral","sentiment_score":0.3157418966293335},{"text":"How are you going?","start":6.56,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.29474321752786636},{"text":"Yeah.","start":9.44,"end":9.92,"sentiment":"neutral","sentiment_score":0.07926708459854126}],"sentiment":"positive","sentiment_score":0.36844923347234726,"num_words":16,"start":3.04,"end":9.92},{"sentences":[{"text":"Not too bad.","start":9.92,"end":10.8,"sentiment":"neutral","sentiment_score":0.06550043821334839},{"text":"It's rainy, wet, absolutely gloomy, but we're getting through it on a 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work.","start":50.145,"end":54.485,"sentiment":"neutral","sentiment_score":-0.03362613894483622}],"sentiment":"neutral","sentiment_score":-0.03372016875073314,"num_words":26,"start":42.15,"end":54.485},{"sentences":[{"text":"I sure can do that from pretty much, like, anywhere, so I'm very, very lucky on that note.","start":62.4,"end":67.14,"sentiment":"neutral","sentiment_score":0.15601983293890953},{"text":"Anyway, the reason for my call today was just so I could go through and have a conversation with you with regards to the advice that we had put together.","start":72.605,"end":82.865005,"sentiment":"neutral","sentiment_score":0.0740894873936971},{"text":"Now I've already said that to you.","start":84.64001,"end":86.740005,"sentiment":"neutral","sentiment_score":0.12459577726466316},{"text":"Nice and easy.","start":86.880005,"end":87.86,"sentiment":"positive","sentiment_score":0.5120996634165446},{"text":"It's pertaining to the conversation you've had with my colleague, Dennis, in January.","start":88.72,"end":94.5,"sentiment":"neutral","sentiment_score":0.10170200123236729}],"sentiment":"neutral","sentiment_score":0.12340333889907515,"num_words":71,"start":62.4,"end":94.5},{"sentences":[{"text":"Now Dennis was only with us for a little bit, but he unfortunately had a a number of family emergencies pop up, and he left us shortly after joining the team to to go and be with family.","start":96.735,"end":109.155,"sentiment":"neutral","sentiment_score":-0.29296020398798744},{"text":"So I've I've taken over his files.","start":111.53999,"end":113.799995,"sentiment":"neutral","sentiment_score":0.02242130460217595},{"text":"Now I'm the head of advice at Oakview.","start":114.17999,"end":117.88,"sentiment":"neutral","sentiment_score":0.07471362361684442},{"text":"I've been with the team for about eighteen months so far.","start":117.939995,"end":121.399994,"sentiment":"neutral","sentiment_score":0.04551826214248484},{"text":"And I guess my role is to, a, I'm a licensed financial adviser, but, b, I take care of all the advisers here within the team.","start":122.17999,"end":130.755,"sentiment":"neutral","sentiment_score":0.042426782445265696}],"sentiment":"neutral","sentiment_score":-0.09748924892499215,"num_words":90,"start":96.735,"end":130.755},{"sentences":[{"text":"Now with the advice that has been put together, I obviously went through, Dennis's call with you originally and the conversation, looked at the the position that you were in and and what you were looking to do.","start":131.055,"end":146.56001,"sentiment":"neutral","sentiment_score":-0.08038363929249738},{"text":"I've noted since that time, you you had put your insurance policy with Clearview on pause.","start":146.56001,"end":154.34001,"sentiment":"neutral","sentiment_score":-0.1963034812361002},{"text":"And then recently, within the last month or so, you contacted them and made the decision to actually cancel that that income protection policy?","start":154.40001,"end":160.705,"sentiment":"neutral","sentiment_score":-0.2526131023963292},{"text":"Yeah.","start":162.365,"end":162.845,"sentiment":"neutral","sentiment_score":-0.05220972001552582},{"text":"No.","start":162.845,"end":163.085,"sentiment":"neutral","sentiment_score":-0.2274300456047058}],"sentiment":"neutral","sentiment_score":-0.15672235270030796,"num_words":80,"start":131.055,"end":163.085},{"sentences":[{"text":"That's okay.","start":163.085,"end":163.82501,"sentiment":"neutral","sentiment_score":-0.16376835852861404},{"text":"I did see that you were sort of tossing up whether you were gonna cancel that policy back in January.","start":164.205,"end":169.485,"sentiment":"neutral","sentiment_score":-0.2665585305541754},{"text":"You were just you got you went on pause for a little bit just to see whether you could continue sustaining that policy or not.","start":169.485,"end":175.64,"sentiment":"neutral","sentiment_score":-0.2296058213710785},{"text":"Yeah.","start":177.14,"end":177.62,"sentiment":"neutral","sentiment_score":-0.01585075818002224},{"text":"Did you want me to look at alternatives in that insurance realm, or are you comfortable now just understanding that you won't have a policy that that covers you for income protection.","start":177.62,"end":189.225,"sentiment":"neutral","sentiment_score":-0.12452002672944218}],"sentiment":"neutral","sentiment_score":-0.19249180594924836,"num_words":80,"start":163.085,"end":189.225},{"sentences":[{"text":"Okay.","start":191.445,"end":191.945,"sentiment":"neutral","sentiment_score":0.2509045898914337},{"text":"Alright.","start":192.245,"end":192.645,"sentiment":"neutral","sentiment_score":0.1714821308851242},{"text":"Well, if that changes, obviously, we'll start the conversation every year.","start":192.645,"end":195.945,"sentiment":"neutral","sentiment_score":0.060880706730214035},{"text":"But, of course, if that that changes, then we can definitely relook into it.","start":196.245,"end":201.09999,"sentiment":"neutral","sentiment_score":0.05320076567919126},{"text":"Don't forget that any of the premiums that you paid for this year are tax deduction for yourself, so make sure that you do claim those when you do your tax return this year.","start":201.95999,"end":209.81999,"sentiment":"neutral","sentiment_score":0.2606290289584328}],"sentiment":"neutral","sentiment_score":0.17538151145744763,"num_words":61,"start":191.445,"end":209.81999},{"sentences":[{"text":"But, otherwise, the the the advice that we've put together very much just pertains to the superannuation fund, making a few changes to the actual underlying investments within the fund and getting those ones just a little bit more up to date with where the markets move, how the climate's changing, just to get things moving and migrating a little bit a little bit smoother.","start":211.655,"end":235.20999,"sentiment":"neutral","sentiment_score":0.2429334805561946},{"text":"Now your superannuation fund is still being performing really, really nicely.","start":235.59,"end":239.11,"sentiment":"positive","sentiment_score":0.5859346389770508},{"text":"It's it's not something that I'm I'm upset about with regards to the the actual performance.","start":239.11,"end":243.965,"sentiment":"neutral","sentiment_score":-0.08710143947973847},{"text":"But it's always good to to do a little bit of a tweak here and there with some of those underlying assets to get us sitting a little bit better.","start":244.42499,"end":252.605,"sentiment":"positive","sentiment_score":0.3591295927762985},{"text":"Historically, the fund has been sitting at around 11% returns, but we can probably increase that by a couple more percent to get get a little bit more growth happening.","start":253.48999,"end":264.07,"sentiment":"neutral","sentiment_score":0.2902213220794996}],"sentiment":"neutral","sentiment_score":0.2652819847295943,"num_words":152,"start":211.655,"end":264.07},{"sentences":[{"text":"Okay?","start":264.13,"end":264.63,"sentiment":"neutral","sentiment_score":0.14915072917938232},{"text":"Now you still have your insurance with Zurich.","start":266.69,"end":270.275,"sentiment":"neutral","sentiment_score":0.16617422923445702},{"text":"So you have your life in TPD or total permanent disability insurance sitting there.","start":270.275,"end":274.055,"sentiment":"neutral","sentiment_score":0.12880031232322967},{"text":"So that's still there covering you on from from that perspective.","start":274.195,"end":278.13498,"sentiment":"neutral","sentiment_score":0.12794247946955942},{"text":"That policy is paid for by your superannuation fund.","start":278.595,"end":282.36002,"sentiment":"neutral","sentiment_score":0.12314167784319983}],"sentiment":"neutral","sentiment_score":0.13482305372870246,"num_words":43,"start":264.13,"end":282.36002},{"sentences":[{"text":"Now one of the things I did note that was on file was that your partner may have changed her name.","start":282.5,"end":289.24002,"sentiment":"neutral","sentiment_score":0.026661585750324384},{"text":"Is that correct?","start":289.7,"end":291.32,"sentiment":"neutral","sentiment_score":0.019457767407099407},{"text":"Just yeah.","start":299.875,"end":300.775,"sentiment":"neutral","sentiment_score":0.0012012459337711332},{"text":"I'll just bring it back up again.","start":301.07498,"end":302.35498,"sentiment":"neutral","sentiment_score":-0.025943137439233915},{"text":"Sorry.","start":302.35498,"end":302.595,"sentiment":"neutral","sentiment_score":-0.127655029296875}],"sentiment":"neutral","sentiment_score":0.0091591795139453,"num_words":34,"start":282.5,"end":302.595},{"sentences":[{"text":"I closed that screen.","start":302.595,"end":303.655,"sentiment":"neutral","sentiment_score":-0.13385165017098188},{"text":"Because on your beneficiaries, I had it as Melissa n Elored.","start":304.115,"end":307.975,"sentiment":"neutral","sentiment_score":0.012491628442975607},{"text":"Oh, cool.","start":308.97,"end":316.91,"sentiment":"neutral","sentiment_score":0.11857932806015015},{"text":"Yeah.","start":319.37,"end":319.77,"sentiment":"neutral","sentiment_score":0.06388692557811737},{"text":"So what I wanna do is I wanna get that updated because we need to.","start":319.77,"end":326.785,"sentiment":"neutral","sentiment_score":0.06313451776901881}],"sentiment":"neutral","sentiment_score":0.025759535164318302,"num_words":33,"start":302.595,"end":326.785},{"sentences":[{"text":"So I will send you a beneficiary form that has it corrected.","start":327.005,"end":330.925,"sentiment":"neutral","sentiment_score":0.09163093691070874},{"text":"So can you just spell it one more time for me so I know I have it spelled right?","start":330.925,"end":335.10498,"sentiment":"neutral","sentiment_score":0.06483565192473562},{"text":"So e l d r e d.","start":339.8,"end":342.03998,"sentiment":"neutral","sentiment_score":0.03525366687348911},{"text":"Perfect.","start":342.03998,"end":342.53998,"sentiment":"positive","sentiment_score":0.4027729034423828},{"text":"Perfect.","start":344.36,"end":344.84,"sentiment":"positive","sentiment_score":0.4270341992378235}],"sentiment":"neutral","sentiment_score":0.08520078500732779,"num_words":40,"start":327.005,"end":344.84},{"sentences":[{"text":"Alright.","start":344.84,"end":345.31998,"sentiment":"neutral","sentiment_score":0.25203078985214233},{"text":"Well, I'll I'll fill out the form with her listed as as beneficiary along with the two kids and and get that sent out to you just so we can get that one updated.","start":345.31998,"end":358.335,"sentiment":"neutral","sentiment_score":0.19298730352345636},{"text":"I'll type it so that way there's no mistakes with handwriting.","start":358.79498,"end":362.01498,"sentiment":"neutral","sentiment_score":0.14235361055894333},{"text":"Okay?","start":362.235,"end":362.735,"sentiment":"neutral","sentiment_score":0.0923793762922287},{"text":"Perfect.","start":365.03,"end":365.53,"sentiment":"positive","sentiment_score":0.5750128030776978}],"sentiment":"neutral","sentiment_score":0.18847668760766587,"num_words":48,"start":344.84,"end":365.53},{"sentences":[{"text":"Other than that, the documents have been sent through to you already for you to have a look over.","start":366.63,"end":371.13,"sentiment":"neutral","sentiment_score":0.18554252072384483},{"text":"As I said, the the advice is very, very much just focused on on the superannuation investments, just making some slight tweaks to them.","start":372.15002,"end":381.23502,"sentiment":"neutral","sentiment_score":0.007058305588240425},{"text":"Nothing too too intensive.","start":381.23502,"end":382.77502,"sentiment":"neutral","sentiment_score":-0.06860558688640594},{"text":"Realistically, we're I'm just rebalancing a lot of the portfolio that you already have, so some of the assets that you already hold, and I'm only replacing a few of them.","start":383.95502,"end":394.215,"sentiment":"neutral","sentiment_score":-0.042998404512482304},{"text":"So I'm getting rid of two that you have at the moment.","start":395.01,"end":398.29,"sentiment":"neutral","sentiment_score":-0.05888715821007887}],"sentiment":"neutral","sentiment_score":0.015340982687970002,"num_words":90,"start":366.63,"end":398.29},{"sentences":[{"text":"One of them is a Bennelong Australian Equities, and I'm replacing that with another Australian Equity Fund.","start":398.29,"end":404.07,"sentiment":"neutral","sentiment_score":0.012800113791052033},{"text":"It's a little bit cheaper, a little bit better on the performance.","start":404.37,"end":406.87,"sentiment":"neutral","sentiment_score":0.061375346345206104},{"text":"And then I'm because banking hybrids, it's a type of fund that currently exists.","start":407.705,"end":412.925,"sentiment":"neutral","sentiment_score":-0.025932278284536942},{"text":"They're actually being phased out legislatively.","start":413.065,"end":415.245,"sentiment":"neutral","sentiment_score":-0.06835178223749001},{"text":"So within the next sort of five years or so, they actually won't exist at all.","start":415.865,"end":420.12,"sentiment":"neutral","sentiment_score":-0.0935333357192576}],"sentiment":"neutral","sentiment_score":-0.02023984415886494,"num_words":65,"start":398.29,"end":420.12},{"sentences":[{"text":"I'm actually pulling you out of that and putting you into a an into a bond that has a little bit more longevity in it.","start":420.6,"end":428.68,"sentiment":"neutral","sentiment_score":0.010705388411879539},{"text":"So not a lot changing, but other than that, just a little bit of change to the weighting of funds that you already hold.","start":428.68,"end":435.26,"sentiment":"neutral","sentiment_score":-0.00554289009111623},{"text":"Okay?","start":437.81497,"end":438.31497,"sentiment":"neutral","sentiment_score":0.05506652221083641},{"text":"Perfect.","start":438.69498,"end":439.19498,"sentiment":"positive","sentiment_score":0.4726067781448364},{"text":"So that's all being sent to you.","start":439.735,"end":441.435,"sentiment":"neutral","sentiment_score":0.07565262434738022}],"sentiment":"neutral","sentiment_score":0.020549086532716095,"num_words":58,"start":420.6,"end":441.435},{"sentences":[{"text":"It's through a system that you possibly haven't used yet.","start":441.895,"end":445.275,"sentiment":"neutral","sentiment_score":0.03798662107437849},{"text":"We merged our CRM, or we've got a new CRM and and our signing platform.","start":445.57498,"end":450.875,"sentiment":"neutral","sentiment_score":0.04897030492623647},{"text":"It'll all come through you from Oakview, so you'll be able to see that anyway.","start":451.38,"end":454.76,"sentiment":"neutral","sentiment_score":0.08080891917149226},{"text":"Yeah.","start":465.075,"end":465.315,"sentiment":"neutral","sentiment_score":0.04415106773376465},{"text":"I'm here.","start":465.315,"end":465.875,"sentiment":"neutral","sentiment_score":0.06681714579463005}],"sentiment":"neutral","sentiment_score":0.058240463524017225,"num_words":43,"start":441.895,"end":465.875},{"sentences":[{"text":"I'm here.","start":465.875,"end":466.615,"sentiment":"neutral","sentiment_score":0.07552237808704376},{"text":"So, yeah, so that's being sent to you now.","start":469.235,"end":471.575,"sentiment":"neutral","sentiment_score":0.09273804475863774},{"text":"Cool.","start":475.155,"end":475.555,"sentiment":"neutral","sentiment_score":0.07874436676502228},{"text":"Well, if you no.","start":475.555,"end":478.5,"sentiment":"neutral","sentiment_score":-0.03481165459379554},{"text":"Not at all.","start":478.5,"end":479.37997,"sentiment":"neutral","sentiment_score":-0.13852360347906748}],"sentiment":"neutral","sentiment_score":0.026821794576550786,"num_words":19,"start":465.875,"end":479.37997},{"sentences":[{"text":"No.","start":479.37997,"end":479.78,"sentiment":"neutral","sentiment_score":-0.05258917808532715},{"text":"You are so fine.","start":479.78,"end":480.91998,"sentiment":"neutral","sentiment_score":0.09607006143778563},{"text":"Go like, travel safe.","start":481.3,"end":482.81998,"sentiment":"neutral","sentiment_score":0.15545185282826424},{"text":"You don't have to look at it now.","start":482.81998,"end":484.18,"sentiment":"neutral","sentiment_score":0.1112503120675683},{"text":"If you do have any questions when you do have a look at it, just give us a bell, and and I'm more than happy to answer any questions you might have.","start":484.18,"end":490.59998,"sentiment":"neutral","sentiment_score":0.23929121275432408}],"sentiment":"neutral","sentiment_score":0.19389428129913855,"num_words":49,"start":479.37997,"end":490.59998},{"sentences":[{"text":"Perfect.","start":493.605,"end":494.105,"sentiment":"positive","sentiment_score":0.5322856307029724},{"text":"Alright.","start":494.325,"end":494.725,"sentiment":"neutral","sentiment_score":0.3324512839317322},{"text":"Well, you travel safe, David, and we'll chat later.","start":494.725,"end":497.145,"sentiment":"positive","sentiment_score":0.39539695117208695},{"text":"K.","start":499.925,"end":500.425,"sentiment":"neutral","sentiment_score":0.1212218627333641},{"text":"Thanks so much.","start":501.04498,"end":502.185,"sentiment":"positive","sentiment_score":0.669350266456604}],"sentiment":"positive","sentiment_score":0.4368388091524442,"num_words":15,"start":493.605,"end":502.185},{"sentences":[{"text":"Bye.","start":502.645,"end":503.145,"sentiment":"neutral","sentiment_score":0.2800160348415375}],"sentiment":"neutral","sentiment_score":0.2800160348415375,"num_words":1,"start":502.645,"end":503.145}]}}]},{"alternatives":[{"transcript":"Hello? Yeah. Good. Thanks. How are you? Good. Is it really? There you go. Yeah. Yeah. Okay. Lovely. Yeah. We need it. It's not too much. Yeah. Yeah. Yeah. Not to worry. Yes. Yep. Yeah. Okay. K. You think I would have thought of the app on now? Never. Nah. Yeah. That's unfortunate. Yeah. Well, you gotta make you gotta make phone calls, though, so you can do that from home. Yep. Fuck again, unlucky. Yep. Yep. Okay. Yep. Okay. Yep. Yep. Yeah. Yep. Yep. Yep. Yep. Yeah. I know. Yeah. I'm alright for now. I'm good for now. Yep. Yeah. 100%. Yep. Yep. Okay. Okay. Yep. Yep. Okay. Alright. Yep. Okay. Yep. Yeah. It's not so what have you got down there? What have you got her name as? Melissa Melissa. And that's from Eldridge, a a l z r a d. Is that correct? Correct. Yeah. Yeah. Yep. Yep. Yes. A l d r a d. Yep. L d r a d. Yep. Yep. Yep. Okay. Beautiful. Yep. Yep. Yep. Yep. Yep. Okay. Yep. Okay. Okay. Okay. Yes. Alright. No worries. Yep. Yep. Okay. Oh, good. Are you there? What's your Hi. Hi. Cool. Yeah. Yeah. No worries. Yeah. Yep. Okay. Yep. Alright. Do you need do you need do you need me to look at this now? That's what I'm just driving at the moment. Yeah. Okay. Yeah. Yeah. Yep. Alright. Alright. Yeah. Cool. Cool. All good. Alright. It's time for you. I'm for yourself. No worries. Alright. Alright. Say yeah. Bye 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Yeah. Good. Thanks. How are you?\n\nGood. Is it really? There you go. Yeah. Yeah.\n\nOkay. Lovely. Yeah. We need it. It's not too much.\n\nYeah. Yeah. Yeah. Not to worry. Yes.\n\nYep. Yeah. Okay. K. You think I would have thought of the app on now?\n\nNever. Nah. Yeah. That's unfortunate. Yeah.\n\nWell, you gotta make you gotta make phone calls, though, so you can do that from home. Yep. Fuck again, unlucky. Yep. Yep.\n\nOkay. Yep. Okay. Yep. Yep.\n\nYeah. Yep. Yep. Yep. Yep.\n\nYeah. I know. Yeah. I'm alright for now. I'm good for now.\n\nYep. Yeah. 100%. Yep. Yep.\n\nOkay. Okay. Yep. Yep. Okay.\n\nAlright. Yep. Okay. Yep. Yeah.\n\nIt's not so what have you got down there? What have you got her name as? Melissa Melissa. And that's from Eldridge, a a l z r a d. Is that correct?\n\nCorrect. Yeah. Yeah. Yep. Yep.\n\nYes. A l d r a d. Yep. L d r a d. Yep.\n\nYep. Yep. Okay. Beautiful. Yep.\n\nYep. Yep. Yep. Yep. Okay.\n\nYep. Okay. Okay. Okay. Yes.\n\nAlright. No worries. Yep. Yep. 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Good e well, good afternoon, David. Larissa from OG Financial. How are you going?\n\nChannel 1: Yeah. Good. Thanks. How are you?\n\nChannel 0: Yeah. Not too bad. It's rainy,\n\nChannel 1: Good.\n\nChannel 0: wet, absolutely gloomy, but we're getting through it on a Monday.\n\nChannel 1: Is it really? There you go.\n\nChannel 0: Yeah. Yeah. We're up in Queensland, being hit with\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: some\n\nChannel 1: Okay.\n\nChannel 0: beautiful, beautiful rain.\n\nChannel 1: Lovely. Yeah. We need it. It's\n\nChannel 0: Definitely\n\nChannel 1: not too\n\nChannel 0: do.\n\nChannel 1: much.\n\nChannel 0: Definitely do. Don't\n\nChannel 1: Yeah.\n\nChannel 0: like my death.\n\nChannel 1: Yeah.\n\nChannel 0: We're getting home without the floods, but that's okay.\n\nChannel 1: Yeah. Not to worry. Yes.\n\nChannel 0: There's\n\nChannel 1: Yep.\n\nChannel 0: just that one road that always always runs me the risk of not getting home, but that's okay.\n\nChannel 1: Yeah.\n\nChannel 0: Anyway,\n\nChannel 1: Okay.\n\nChannel 0: the\n\nChannel 1: K. You\n\nChannel 0: reason\n\nChannel 1: think I\n\nChannel 0: for\n\nChannel 1: would have\n\nChannel 0: my\n\nChannel 1: thought\n\nChannel 0: call.\n\nChannel 1: of the app on now?\n\nChannel 0: Right. Never. No.\n\nChannel 1: Never. Nah.\n\nChannel 0: It's it's almost nice because when it does rain, like, sometimes you just can't get to work.\n\nChannel 1: Yeah. That's unfortunate. Yeah. Well, you gotta make you gotta make phone calls, though, so you can do that from home.\n\nChannel 0: I sure can do that from pretty much, like, anywhere, so I'm very, very lucky on that note.\n\nChannel 1: Yep. Fuck again, unlucky.\n\nChannel 0: Anyway, the reason for my call today was just so I could go through and have a conversation with you with regards to the advice that we had put together.\n\nChannel 1: Yep.\n\nChannel 0: Now I've already said that to you. Nice and easy. It's pertaining to the conversation you've had with my colleague, Dennis, in January.\n\nChannel 1: Yep.\n\nChannel 0: Now Dennis was only with us for a little bit, but he unfortunately had a a number of family emergencies pop up, and he left us shortly after joining the team to\n\nChannel 1: Okay.\n\nChannel 0: to go and be with family.\n\nChannel 1: Yep. Okay.\n\nChannel 0: So I've I've taken over his files. Now I'm the head of advice at Oakview. I've been with the team for about eighteen months so far.\n\nChannel 1: Yep.\n\nChannel 0: And I guess my role is to, a, I'm a licensed financial adviser, but, b, I take care of all the advisers here within the team. Now\n\nChannel 1: Yep.\n\nChannel 0: with the advice that has been put together, I obviously went through, Dennis's call with you originally and the conversation, looked at the the position that you were in and and what you were looking to do. I've noted since that time, you you had put your insurance policy with Clearview on pause. And then recently, within the last month or so, you contacted them and made the decision to actually cancel that that income protection policy?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yeah. No. That's okay. I did see that you were sort of tossing up whether you were gonna cancel that policy back in\n\nChannel 1: Yep.\n\nChannel 0: January. You were just you got you went on pause for a little bit just to see whether you could continue sustaining that policy or not.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Did you want\n\nChannel 1: Yep.\n\nChannel 0: me to look at alternatives in that insurance realm, or are you comfortable now just understanding that you won't have a policy that that covers\n\nChannel 1: Yeah. I\n\nChannel 0: you\n\nChannel 1: know.\n\nChannel 0: for income protection.\n\nChannel 1: Yeah. I'm alright for now. I'm good\n\nChannel 0: Okay.\n\nChannel 1: for now.\n\nChannel 0: Alright. Well, if that changes, obviously, we'll start the conversation every year. But, of course, if that that changes, then we can definitely relook into it. Don't forget that any of the premiums that you paid for this year are tax deduction for yourself, so make\n\nChannel 1: Yep.\n\nChannel 0: sure that you do claim those when you do your tax return this year.\n\nChannel 1: Yeah. 100%.\n\nChannel 0: But, otherwise, the the the advice that we've put together very much just pertains to the superannuation fund, making a few changes to the actual underlying investments within the fund and getting\n\nChannel 1: Yep.\n\nChannel 0: those ones just a little bit more up to date with where the markets move, how the climate's changing, just to get things moving and migrating a little bit a little bit smoother.\n\nChannel 1: Yep.\n\nChannel 0: Now\n\nChannel 1: Okay.\n\nChannel 0: your superannuation fund is still being performing really, really nicely. It's it's not something that I'm I'm upset about with regards to the the actual performance. But\n\nChannel 1: Okay.\n\nChannel 0: it's always good to to do a little bit of a tweak here and there with some of those underlying assets to get us sitting\n\nChannel 1: Yep.\n\nChannel 0: a little bit better.\n\nChannel 1: Yep.\n\nChannel 0: Historically, the fund has been sitting at around 11% returns, but\n\nChannel 1: Okay.\n\nChannel 0: we can probably increase that by a couple more percent to get get a little bit more growth happening. Okay?\n\nChannel 1: Alright.\n\nChannel 0: Now you still have your insurance with Zurich. So you have your life in TPD or total permanent disability insurance sitting there. So that's still\n\nChannel 1: Yep.\n\nChannel 0: there covering you on from from that perspective. That policy\n\nChannel 1: Okay.\n\nChannel 0: is paid for by your superannuation fund. Now one\n\nChannel 1: Yep.\n\nChannel 0: of the things I did note that was on file was that your partner may have changed her name. Is that correct?\n\nChannel 1: Yeah. It's not so what have you got down there? What have you got her name as? Melissa Melissa.\n\nChannel 0: Just yeah. I'll just bring it back up again. Sorry. I closed that screen. Because on your beneficiaries, I had it as Melissa n Elored.\n\nOh,\n\nChannel 1: And that's from Eldridge, a a l z r a d.\n\nChannel 0: cool.\n\nChannel 1: Is that correct? Correct. Yeah.\n\nChannel 0: Yeah. So\n\nChannel 1: Yeah.\n\nChannel 0: what I wanna do is I wanna get that updated\n\nChannel 1: Yep.\n\nChannel 0: because we need to. So\n\nChannel 1: Yep.\n\nChannel 0: I will send you a beneficiary form that has it corrected. So can you just spell it one more time for me so I know I have it spelled right?\n\nChannel 1: Yes. A l d r a d.\n\nChannel 0: So e l d r e d. Perfect.\n\nChannel 1: Yep. L d r a d. Yep.\n\nChannel 0: Perfect. Alright. Well, I'll I'll fill out the form with her listed as as beneficiary along with the two kids\n\nChannel 1: Yep.\n\nChannel 0: and and get that sent out to you just so we can get that one updated. I'll type it so that way there's no mistakes with handwriting. Okay?\n\nChannel 1: Yep. Okay. Beautiful. Yep.\n\nChannel 0: Perfect. Other than that, the documents have been sent through to you already for you to have a look over.\n\nChannel 1: Yep.\n\nChannel 0: As I said, the the advice is very, very much just focused on on the superannuation investments, just making some slight tweaks to them.\n\nChannel 1: Yep.\n\nChannel 0: Nothing too too intensive. Realistically, we're I'm just rebalancing a lot of the portfolio that you already have,\n\nChannel 1: Yep.\n\nChannel 0: so some of the assets\n\nChannel 1: Yep.\n\nChannel 0: that you already hold, and I'm only replacing a few of them. So I'm getting rid of two that you have at the moment. One of them is a Bennelong Australian Equities, and I'm replacing that with another Australian Equity Fund. It's a little\n\nChannel 1: Okay.\n\nChannel 0: bit cheaper, a little bit better on the performance. And then\n\nChannel 1: Yep.\n\nChannel 0: I'm because banking hybrids, it's a type of fund that currently exists. They're actually being phased out legislatively. So within the next sort of five years or so, they actually won't exist at all. I'm actually\n\nChannel 1: Okay.\n\nChannel 0: pulling you out of that and putting you into a an into a bond that has a\n\nChannel 1: Okay.\n\nChannel 0: little bit more longevity in it. So not a lot changing, but other than that, just a little bit of change to the weighting of funds that you already hold.\n\nChannel 1: Okay. Yes.\n\nChannel 0: Okay?\n\nChannel 1: Alright.\n\nChannel 0: Perfect. So\n\nChannel 1: No\n\nChannel 0: that's\n\nChannel 1: worries.\n\nChannel 0: all being sent to you. It's through a system that you possibly\n\nChannel 1: Yep.\n\nChannel 0: haven't used yet. We merged our CRM, or we've got a new CRM and and our\n\nChannel 1: Yep.\n\nChannel 0: signing platform. It'll all come through you from Oakview, so you'll be able to see that anyway.\n\nChannel 1: Okay. Oh, good. Are you there? What's your\n\nChannel 0: Yeah. I'm here. I'm here.\n\nChannel 1: Hi. Hi. Cool. Yeah. Yeah.\n\nNo worries. Yeah.\n\nChannel 0: So,\n\nChannel 1: Yep.\n\nChannel 0: yeah, so that's being sent to you now.\n\nChannel 1: Okay. Yep. Alright.\n\nChannel 0: Cool.\n\nChannel 1: Do you need\n\nChannel 0: Well,\n\nChannel 1: do you need\n\nChannel 0: if\n\nChannel 1: do you need\n\nChannel 0: you\n\nChannel 1: me to look at this now? That's what I'm just\n\nChannel 0: no.\n\nChannel 1: driving\n\nChannel 0: Not\n\nChannel 1: at\n\nChannel 0: at all.\n\nChannel 1: the moment.\n\nChannel 0: No.\n\nChannel 1: Yeah.\n\nChannel 0: You are\n\nChannel 1: Okay.\n\nChannel 0: so fine. Go\n\nChannel 1: Yeah.\n\nChannel 0: like, travel safe. You don't have to look at it now. If you do have any\n\nChannel 1: Yeah.\n\nChannel 0: questions when you do have a look at it, just give us a bell, and and I'm more than happy to answer any questions you might have.\n\nChannel 1: Yep. Alright. Alright. Yeah. Cool.\n\nCool.\n\nChannel 0: Perfect. Alright.\n\nChannel 1: All\n\nChannel 0: Well,\n\nChannel 1: good.\n\nChannel 0: you travel safe, David, and we'll chat later.\n\nChannel 1: Alright. It's time for you. I'm for yourself.\n\nChannel 0: K. Thanks\n\nChannel 1: No worries.\n\nChannel 0: so much.\n\nChannel 1: Alright.\n\nChannel 0: Bye.\n\nChannel 1: Alright. Say yeah. Bye bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.28,"end":1.78,"sentiment":"neutral","sentiment_score":0.03429475054144859}],"sentiment":"neutral","sentiment_score":0.03429475054144859,"channel":1,"num_words":1,"start":1.28,"end":1.78},{"sentences":[{"text":"Hi.","start":3.04,"end":3.28,"sentiment":"neutral","sentiment_score":0.21116089820861816},{"text":"Good e well, good afternoon, David.","start":3.28,"end":5.2799997,"sentiment":"positive","sentiment_score":0.5271365493535995},{"text":"Larissa from OG Financial.","start":5.2799997,"end":6.56,"sentiment":"neutral","sentiment_score":0.3157418966293335},{"text":"How are you 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beautiful rain.","start":22.405,"end":23.865,"sentiment":"positive","sentiment_score":0.4238643944263458}],"sentiment":"positive","sentiment_score":0.4238643944263458,"channel":0,"num_words":3,"start":22.405,"end":23.865},{"sentences":[{"text":"Lovely.","start":24.755,"end":25.255,"sentiment":"positive","sentiment_score":0.4803339838981629},{"text":"Yeah.","start":25.314999,"end":25.634998,"sentiment":"neutral","sentiment_score":0.174997478723526},{"text":"We need 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do.","start":28.244999,"end":29.43,"sentiment":"neutral","sentiment_score":-0.012844317592680454},{"text":"Don't","start":29.51,"end":29.75,"sentiment":"neutral","sentiment_score":-0.07382982224225998}],"sentiment":"neutral","sentiment_score":-0.0331728191425403,"channel":0,"num_words":3,"start":28.244999,"end":29.75},{"sentences":[{"text":"Yeah.","start":29.66,"end":29.98,"sentiment":"neutral","sentiment_score":-0.09168167412281036}],"sentiment":"neutral","sentiment_score":-0.09168167412281036,"channel":1,"num_words":1,"start":29.66,"end":29.98},{"sentences":[{"text":"like my death.","start":29.75,"end":29.99,"sentiment":"neutral","sentiment_score":-0.263909175992012}],"sentiment":"neutral","sentiment_score":-0.263909175992012,"channel":0,"num_words":3,"start":29.75,"end":29.99},{"sentences":[{"text":"Yeah.","start":29.98,"end":30.48,"sentiment":"neutral","sentiment_score":-0.07383877038955688}],"sentiment":"neutral","sentiment_score":-0.07383877038955688,"channel":1,"num_words":1,"start":29.98,"end":30.48},{"sentences":[{"text":"We're getting home without the floods, but that's okay.","start":29.99,"end":32.25,"sentiment":"neutral","sentiment_score":-0.10063220726119147}],"sentiment":"neutral","sentiment_score":-0.10063220726119147,"channel":0,"num_words":9,"start":29.99,"end":32.25},{"sentences":[{"text":"Yeah.","start":33.5,"end":33.94,"sentiment":"neutral","sentiment_score":0.021424459293484688},{"text":"Not to 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okay.","start":36.95,"end":42.15,"sentiment":"neutral","sentiment_score":-0.12705070111486647}],"sentiment":"neutral","sentiment_score":-0.12705070111486647,"channel":0,"num_words":18,"start":36.95,"end":42.15},{"sentences":[{"text":"Yeah.","start":42.075,"end":42.475,"sentiment":"neutral","sentiment_score":-0.0029586050659418106}],"sentiment":"neutral","sentiment_score":-0.0029586050659418106,"channel":1,"num_words":1,"start":42.075,"end":42.475},{"sentences":[{"text":"Anyway,","start":42.15,"end":42.65,"sentiment":"neutral","sentiment_score":0.008504852652549744}],"sentiment":"neutral","sentiment_score":0.008504852652549744,"channel":0,"num_words":1,"start":42.15,"end":42.65},{"sentences":[{"text":"Okay.","start":42.475,"end":42.975,"sentiment":"neutral","sentiment_score":0.007345560472458601}],"sentiment":"neutral","sentiment_score":0.007345560472458601,"channel":1,"num_words":1,"start":42.475,"end":42.975},{"sentences":[{"text":"the","start":42.945,"end":43.445,"sentiment":"neutral","sentiment_score":0.0013240529224276545}],"sentiment":"neutral","sentiment_score":0.0013240529224276545,"channel":0,"num_words":1,"start":42.945,"end":43.445},{"sentences":[{"text":"K.","start":43.515,"end":44.015,"sentiment":"neutral","sentiment_score":0.0006302632391452789},{"text":"You","start":44.475,"end":44.715,"sentiment":"neutral","sentiment_score":-0.010177253745496271}],"sentiment":"neutral","sentiment_score":-0.004773495253175496,"channel":1,"num_words":2,"start":43.515,"end":44.715},{"sentences":[{"text":"reason","start":44.625,"end":44.945,"sentiment":"neutral","sentiment_score":-0.013064922764897346}],"sentiment":"neutral","sentiment_score":-0.013064922764897346,"channel":0,"num_words":1,"start":44.625,"end":44.945},{"sentences":[{"text":"think 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it's almost nice because when it does rain, like, sometimes you just can't get to work.","start":50.145,"end":54.485,"sentiment":"neutral","sentiment_score":-0.03362613894483622}],"sentiment":"neutral","sentiment_score":-0.03362613894483622,"channel":0,"num_words":17,"start":50.145,"end":54.485},{"sentences":[{"text":"Yeah.","start":54.66,"end":55.16,"sentiment":"neutral","sentiment_score":-0.17935386300086975},{"text":"That's unfortunate.","start":56.5,"end":57.24,"sentiment":"negative","sentiment_score":-0.38188862800598145},{"text":"Yeah.","start":58.98,"end":59.14,"sentiment":"neutral","sentiment_score":-0.14848920702934265},{"text":"Well, you gotta make you gotta make phone calls, though, so you can do that from home.","start":59.14,"end":62.36,"sentiment":"neutral","sentiment_score":-0.009042077204760383}],"sentiment":"neutral","sentiment_score":-0.05930169707252866,"channel":1,"num_words":21,"start":54.66,"end":62.36},{"sentences":[{"text":"I sure can do that from pretty much, like, anywhere, so I'm very, very lucky on that note.","start":62.4,"end":67.14,"sentiment":"neutral","sentiment_score":0.15601983293890953}],"sentiment":"neutral","sentiment_score":0.15601983293890953,"channel":0,"num_words":18,"start":62.4,"end":67.14},{"sentences":[{"text":"Yep.","start":68.805,"end":69.125,"sentiment":"neutral","sentiment_score":-0.06608490645885468},{"text":"Fuck again, unlucky.","start":69.125,"end":70.265,"sentiment":"negative","sentiment_score":-0.38206880291302997}],"sentiment":"neutral","sentiment_score":-0.30307282879948616,"channel":1,"num_words":4,"start":68.805,"end":70.265},{"sentences":[{"text":"Anyway, the reason for my call today was just so I could go through and have a conversation with you with regards to the advice that we had put 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have.","start":484.9,"end":490.59998,"sentiment":"neutral","sentiment_score":0.2718309462070465}],"sentiment":"neutral","sentiment_score":0.2718309462070465,"channel":0,"num_words":27,"start":484.9,"end":490.59998},{"sentences":[{"text":"Yep.","start":491.205,"end":491.60498,"sentiment":"neutral","sentiment_score":0.17786747217178345},{"text":"Alright.","start":491.60498,"end":492.085,"sentiment":"neutral","sentiment_score":0.2292148470878601},{"text":"Alright.","start":492.085,"end":492.585,"sentiment":"neutral","sentiment_score":0.2349269837141037},{"text":"Yeah.","start":492.725,"end":492.965,"sentiment":"neutral","sentiment_score":0.3084689974784851},{"text":"Cool.","start":492.965,"end":493.285,"sentiment":"positive","sentiment_score":0.4533129036426544}],"sentiment":"neutral","sentiment_score":0.2807582408189774,"channel":1,"num_words":5,"start":491.205,"end":493.285},{"sentences":[{"text":"Cool.","start":493.285,"end":493.785,"sentiment":"positive","sentiment_score":0.4850654602050781}],"sentiment":"positive","sentiment_score":0.4850654602050781,"channel":1,"num_words":1,"start":493.285,"end":493.785},{"sentences":[{"text":"Perfect.","start":493.605,"end":494.105,"sentiment":"positive","sentiment_score":0.5322856307029724},{"text":"Alright.","start":494.325,"end":494.725,"sentiment":"neutral","sentiment_score":0.3324512839317322}],"sentiment":"positive","sentiment_score":0.4323684573173523,"channel":0,"num_words":2,"start":493.605,"end":494.725},{"sentences":[{"text":"All","start":494.565,"end":494.885,"sentiment":"positive","sentiment_score":0.3626260757446289}],"sentiment":"positive","sentiment_score":0.3626260757446289,"channel":1,"num_words":1,"start":494.565,"end":494.885},{"sentences":[{"text":"Well,","start":494.725,"end":494.965,"sentiment":"positive","sentiment_score":0.4220785200595856}],"sentiment":"positive","sentiment_score":0.4220785200595856,"channel":0,"num_words":1,"start":494.725,"end":494.965},{"sentences":[{"text":"good.","start":494.885,"end":495.385,"sentiment":"neutral","sentiment_score":0.13790175318717957}],"sentiment":"neutral","sentiment_score":0.13790175318717957,"channel":1,"num_words":1,"start":494.885,"end":495.385},{"sentences":[{"text":"you travel safe, David, and we'll chat later.","start":494.965,"end":497.145,"sentiment":"positive","sentiment_score":0.3920617550611496}],"sentiment":"positive","sentiment_score":0.3920617550611496,"channel":0,"num_words":8,"start":494.965,"end":497.145},{"sentences":[{"text":"Alright.","start":497.51294,"end":497.83295,"sentiment":"positive","sentiment_score":0.35630619525909424},{"text":"It's time for you.","start":497.83295,"end":498.55295,"sentiment":"positive","sentiment_score":0.449287585914135},{"text":"I'm for yourself.","start":498.55295,"end":500.01294,"sentiment":"neutral","sentiment_score":0.32018059492111206}],"sentiment":"positive","sentiment_score":0.3892497904598713,"channel":1,"num_words":8,"start":497.51294,"end":500.01294},{"sentences":[{"text":"K.","start":499.925,"end":500.425,"sentiment":"neutral","sentiment_score":0.1212218627333641},{"text":"Thanks","start":501.04498,"end":501.525,"sentiment":"positive","sentiment_score":0.7536702752113342}],"sentiment":"positive","sentiment_score":0.43744606897234917,"channel":0,"num_words":2,"start":499.925,"end":501.525},{"sentences":[{"text":"No worries.","start":501.19293,"end":501.93295,"sentiment":"positive","sentiment_score":0.4507340043783188}],"sentiment":"positive","sentiment_score":0.4507340043783188,"channel":1,"num_words":2,"start":501.19293,"end":501.93295},{"sentences":[{"text":"so much.","start":501.525,"end":502.185,"sentiment":"positive","sentiment_score":0.6271902620792389}],"sentiment":"positive","sentiment_score":0.6271902620792389,"channel":0,"num_words":2,"start":501.525,"end":502.185},{"sentences":[{"text":"Alright.","start":502.07294,"end":502.57294,"sentiment":"positive","sentiment_score":0.3385387659072876}],"sentiment":"positive","sentiment_score":0.3385387659072876,"channel":1,"num_words":1,"start":502.07294,"end":502.57294},{"sentences":[{"text":"Bye.","start":502.645,"end":503.145,"sentiment":"neutral","sentiment_score":0.2800160348415375}],"sentiment":"neutral","sentiment_score":0.2800160348415375,"channel":0,"num_words":1,"start":502.645,"end":503.145},{"sentences":[{"text":"Alright.","start":503.03293,"end":503.53293,"sentiment":"neutral","sentiment_score":0.20761339366436005},{"text":"Say yeah.","start":503.59296,"end":504.07294,"sentiment":"neutral","sentiment_score":0.2112400233745575},{"text":"Bye bye.","start":504.07294,"end":504.73294,"sentiment":"neutral","sentiment_score":0.026411212980747216}],"sentiment":"neutral","sentiment_score":0.1365831732749939,"channel":1,"num_words":5,"start":503.03293,"end":504.73294}]},"summary":{"result":"success","short":"Larsissa from OG Financial calls David to discuss his experience with the weather and insurance policy he had with Clearview. They discuss the insurance policy and its impact on his life and income protection. The agent updates the customer's insurance policy with Zurich and sends a beneficiary form. The agent advises the customer to review and update their beneficiaries, and they are instructed to contact the agent if they have any questions."},"intents":{"segments":[{"text":"Anyway, the reason for my call today was just so I could go through and have a conversation with you with regards to the advice that we had put together.","start_word":200,"end_word":229,"intents":[{"intent":"Discuss advice","confidence_score":0.17489737}]},{"text":"Anyway, the reason for my call today was just so I could go through and have a conversation with you with regards to the advice that we had put together. Yep.","start_word":200,"end_word":230,"intents":[{"intent":"Have a conversation","confidence_score":0.116819054}]},{"text":"me to look at alternatives in that insurance realm, or are you comfortable now just understanding that you won't have a policy that that covers Yeah.","start_word":486,"end_word":511,"intents":[{"intent":"Discuss insurance policy options","confidence_score":0.03827622}]},{"text":"Because on your beneficiaries, I had it as Melissa n Elored. Oh, And that's from Eldridge, a a l z r a d. cool. Is that correct? Correct.","start_word":855,"end_word":882,"intents":[{"intent":"Providing contact information","confidence_score":0.001305337}]},{"text":"I will send you a beneficiary form that has it corrected. So can you just spell it one more time for me so I know I have it spelled right?","start_word":903,"end_word":932,"intents":[{"intent":"Correcting spelling","confidence_score":0.7021463},{"intent":"Spelling elored form","confidence_score":0.000003605393}]},{"text":"I will send you a beneficiary form that has it corrected. So can you just spell it one more time for me so I know I have it spelled right? Yes.","start_word":903,"end_word":933,"intents":[{"intent":"Sending beneficiary form","confidence_score":0.58680815},{"intent":"Correcting information","confidence_score":0.008183667},{"intent":"Sending beneficiary form","confidence_score":0.25384027},{"intent":"Spelling form correctly","confidence_score":0.00046701668},{"intent":"Sending beneficiary form","confidence_score":0.27185026}]},{"text":"So can you just spell it one more time for me so I know I have it spelled right?","start_word":914,"end_word":932,"intents":[{"intent":"Confirming spelling","confidence_score":0.0378345},{"intent":"Confirming spelling","confidence_score":0.026975235}]},{"text":"Well, I'll I'll fill out the form with her listed as as beneficiary along with the two kids Yep. and and get that sent out to you just so we can get that one updated. I'll type it so that way there's no mistakes with handwriting. Okay? Yep.","start_word":957,"end_word":1004,"intents":[{"intent":"Providing details","confidence_score":0.0019113063}]},{"text":"Other than that, the documents have been sent through to you already for you to have a look over.","start_word":1009,"end_word":1027,"intents":[{"intent":"Correcting error in document","confidence_score":0.0000072191033}]},{"text":"Realistically, we're I'm just rebalancing a lot of the portfolio that you already have, Yep.","start_word":1058,"end_word":1072,"intents":[{"intent":"Rebalancing portfolio","confidence_score":0.0033078657}]},{"text":"Realistically, we're I'm just rebalancing a lot of the portfolio that you already have, Yep. so some of the assets Yep. that you already hold, and I'm only replacing a few of them. So I'm getting rid of two that you have at the moment. One of them is a Bennelong Australian Equities, and I'm replacing that with another Australian Equity Fund.","start_word":1058,"end_word":1119,"intents":[{"intent":"Removing assets","confidence_score":0.035040636}]},{"text":"pulling you out of that and putting you into a an into a bond that has a Okay.","start_word":1173,"end_word":1190,"intents":[{"intent":"Create and implement a new bond","confidence_score":0.000012904469}]},{"text":"So not a lot changing, but other than that, just a little bit of change to the weighting of funds that you already hold. Okay.","start_word":1197,"end_word":1221,"intents":[{"intent":"Inquire about the impact of changes to fund balance","confidence_score":1.13826715e-7}]},{"text":"Do you need Well, do you need if do you need you me to look at this now?","start_word":1312,"end_word":1329,"intents":[{"intent":"Ask about the need for additional assistance","confidence_score":0.00015621587}]},{"text":"questions when you do have a look at it, just give us a bell, and and I'm more than happy to answer any questions you might have. Yep.","start_word":1368,"end_word":1395,"intents":[{"intent":"Answer questions and inquire about the need for a new rm and signing platform","confidence_score":3.4445762e-8}]}]},"sentiments":{"segments":[{"text":"Hello? Hi.","start_word":0,"end_word":1,"sentiment":"neutral","sentiment_score":0.12272782623767851},{"text":"Good e well, good afternoon, David.","start_word":2,"end_word":7,"sentiment":"positive","sentiment_score":0.5216760039329529},{"text":"Larissa from OG Financial. How are you going? Yeah.","start_word":8,"end_word":16,"sentiment":"neutral","sentiment_score":0.2937411665916443},{"text":"Good. Thanks.","start_word":17,"end_word":18,"sentiment":"positive","sentiment_score":0.4913332760334015},{"text":"How are you? Yeah. Not too bad. It's rainy, Good. wet, absolutely gloomy, but we're getting through it on a Monday. Is it really? There you go. Yeah. Yeah. We're up in Queensland, being hit with Yeah. Yeah. some Okay.","start_word":19,"end_word":58,"sentiment":"neutral","sentiment_score":-0.010301860049366953},{"text":"beautiful, beautiful rain. Lovely.","start_word":59,"end_word":62,"sentiment":"positive","sentiment_score":0.4351239502429962},{"text":"Yeah. We need it. It's Definitely not too do. much. Definitely do. Don't Yeah. like my death. Yeah. We're getting home without the floods, but that's okay. Yeah. Not to worry. Yes. There's Yep. just that one road that always always runs me the risk of not getting home, but that's okay. Yeah. Anyway, Okay. the K. You reason think I for would have my thought call. of the app on now? Right. Never. No. Never. Nah. It's it's almost nice because when it does rain, like, sometimes you just can't get to work. Yeah.","start_word":63,"end_word":157,"sentiment":"neutral","sentiment_score":-0.061706699430942535},{"text":"That's unfortunate.","start_word":158,"end_word":159,"sentiment":"negative","sentiment_score":-0.38995495438575745},{"text":"Yeah. Well, you gotta make you gotta make phone calls, though, so you can do that from home. I sure can do that from pretty much, like, anywhere, so I'm very, very lucky on that note. Yep.","start_word":160,"end_word":196,"sentiment":"neutral","sentiment_score":0.050823360681533813},{"text":"Fuck again, unlucky.","start_word":197,"end_word":199,"sentiment":"negative","sentiment_score":-0.4095121026039123},{"text":"Anyway, the reason for my call today was just so I could go through and have a conversation with you with regards to the advice that we had put together. Yep. Now I've already said that to you.","start_word":200,"end_word":237,"sentiment":"neutral","sentiment_score":0.08062789589166641},{"text":"Nice and easy.","start_word":238,"end_word":240,"sentiment":"positive","sentiment_score":0.5115283727645874},{"text":"It's pertaining to the conversation you've had with my colleague, Dennis, in January. Yep. Now Dennis was only with us for a little bit, but he unfortunately had a a number of family emergencies pop up, and he left us shortly after joining the team to Okay. to go and be with family. Yep. Okay. So I've I've taken over his files. Now I'm the head of advice at Oakview. I've been with the team for about eighteen months so far. Yep. And I guess my role is to, a, I'm a licensed financial adviser, but, b, I take care of all the advisers here within the team. Now Yep. with the advice that has been put together, I obviously went through, Dennis's call with you originally and the conversation, looked at the the position that you were in and and what you were looking to do. I've noted since that time, you you had put your insurance policy with Clearview on pause. And then recently, within the last month or so, you contacted them and made the decision to actually cancel that that income protection policy? Yeah. Yep. Yeah. No. That's okay. I did see that you were sort of tossing up whether you were gonna cancel that policy back in Yep. January. You were just you got you went on pause for a little bit just to see whether you could continue sustaining that policy or not. Yep. Yeah. Did you want Yep. me to look at alternatives in that insurance realm, or are you comfortable now just understanding that you won't have a policy that that covers Yeah. I you know. for income protection. Yeah. I'm alright for now. I'm good Okay. for now. Alright. Well, if that changes, obviously, we'll start the conversation every year. But, of course, if that that changes, then we can definitely relook into it. Don't forget that any of the premiums that you paid for this year are tax deduction for yourself, so make Yep. sure that you do claim those when you do your tax return this year. Yeah. 100%. But, otherwise, the the the advice that we've put together very much just pertains to the superannuation fund, making a few changes to the actual underlying investments within the fund and getting Yep. those ones just a little bit more up to date with where the markets move, how the climate's changing, just to get things moving and migrating a little bit a little bit smoother. Yep. Now Okay.","start_word":241,"end_word":659,"sentiment":"neutral","sentiment_score":-0.0014047684027926734},{"text":"your superannuation fund is still being performing really, really nicely.","start_word":660,"end_word":669,"sentiment":"positive","sentiment_score":0.620245099067688},{"text":"It's it's not something that I'm I'm upset about with regards to the the actual performance. But Okay.","start_word":670,"end_word":687,"sentiment":"neutral","sentiment_score":-0.04432479292154312},{"text":"it's always good to to do a little bit of a tweak here and there with some of those underlying assets to get us sitting Yep.","start_word":688,"end_word":713,"sentiment":"positive","sentiment_score":0.37413743138313293},{"text":"a little bit better. Yep. Historically, the fund has been sitting at around 11% returns, but Okay. we can probably increase that by a couple more percent to get get a little bit more growth happening. Okay? Alright. Now you still have your insurance with Zurich. So you have your life in TPD or total permanent disability insurance sitting there. So that's still Yep. there covering you on from from that perspective. That policy Okay. is paid for by your superannuation fund. Now one Yep. of the things I did note that was on file was that your partner may have changed her name. Is that correct? Yeah. It's not so what have you got down there? What have you got her name as? Melissa Melissa. Just yeah. I'll just bring it back up again. Sorry. I closed that screen. Because on your beneficiaries, I had it as Melissa n Elored. Oh, And that's from Eldridge, a a l z r a d. cool. Is that correct? Correct. Yeah. Yeah. So Yeah. what I wanna do is I wanna get that updated Yep. because we need to. So Yep. I will send you a beneficiary form that has it corrected. So can you just spell it one more time for me so I know I have it spelled right? Yes. A l d r a d. So e l d r e d.","start_word":714,"end_word":946,"sentiment":"neutral","sentiment_score":0.08846847372441333},{"text":"Perfect.","start_word":947,"end_word":947,"sentiment":"positive","sentiment_score":0.4027729034423828},{"text":"Yep. L d r a d. Yep.","start_word":948,"end_word":954,"sentiment":"neutral","sentiment_score":0.1499382257461548},{"text":"Perfect.","start_word":955,"end_word":955,"sentiment":"positive","sentiment_score":0.4270341992378235},{"text":"Alright. Well, I'll I'll fill out the form with her listed as as beneficiary along with the two kids Yep. and and get that sent out to you just so we can get that one updated. I'll type it so that way there's no mistakes with handwriting. Okay? Yep. Okay.","start_word":956,"end_word":1005,"sentiment":"neutral","sentiment_score":0.17610330879688263},{"text":"Beautiful. Yep. Perfect.","start_word":1006,"end_word":1008,"sentiment":"positive","sentiment_score":0.49713653326034546},{"text":"Other than that, the documents have been sent through to you already for you to have a look over. Yep. As I said, the the advice is very, very much just focused on on the superannuation investments, just making some slight tweaks to them. Yep. Nothing too too intensive. Realistically, we're I'm just rebalancing a lot of the portfolio that you already have, Yep. so some of the assets Yep. that you already hold, and I'm only replacing a few of them. So I'm getting rid of two that you have at the moment. One of them is a Bennelong Australian Equities, and I'm replacing that with another Australian Equity Fund. It's a little Okay. bit cheaper, a little bit better on the performance. And then Yep. I'm because banking hybrids, it's a type of fund that currently exists. They're actually being phased out legislatively. So within the next sort of five years or so, they actually won't exist at all. I'm actually Okay. pulling you out of that and putting you into a an into a bond that has a Okay. little bit more longevity in it. So not a lot changing, but other than that, just a little bit of change to the weighting of funds that you already hold. Okay. Yes. Okay? Alright.","start_word":1009,"end_word":1224,"sentiment":"neutral","sentiment_score":0.0031700572343888104},{"text":"Perfect.","start_word":1225,"end_word":1225,"sentiment":"positive","sentiment_score":0.4726067781448364},{"text":"So No that's worries. all being sent to you. It's through a system that you possibly Yep. haven't used yet. We merged our CRM, or we've got a new CRM and and our Yep. signing platform. It'll all come through you from Oakview, so you'll be able to see that anyway. Okay. Oh, good. Are you there? What's your Yeah. I'm here. I'm here. Hi. Hi. Cool. Yeah. Yeah. No worries. Yeah. So, Yep. yeah, so that's being sent to you now. Okay. Yep. Alright. Cool. Do you need Well, do you need if do you need you me to look at this now? That's what I'm just no. driving Not at at all. the moment. No. Yeah. You are Okay. so fine. Go Yeah. like, travel safe. You don't have to look at it now. If you do have any Yeah. questions when you do have a look at it, just give us a bell, and and I'm more than happy to answer any questions you might have. Yep. Alright. Alright. Yeah.","start_word":1226,"end_word":1398,"sentiment":"neutral","sentiment_score":0.08821757882833481},{"text":"Cool. Cool. Perfect.","start_word":1399,"end_word":1401,"sentiment":"positive","sentiment_score":0.4902213513851166},{"text":"Alright.","start_word":1402,"end_word":1402,"sentiment":"neutral","sentiment_score":0.3324512839317322},{"text":"All Well, good. you travel safe, David, and we'll chat later. Alright. It's time for you.","start_word":1403,"end_word":1418,"sentiment":"positive","sentiment_score":0.39792631566524506},{"text":"I'm for yourself. K.","start_word":1419,"end_word":1422,"sentiment":"neutral","sentiment_score":0.27435094118118286},{"text":"Thanks No worries. so much. Alright.","start_word":1423,"end_word":1428,"sentiment":"positive","sentiment_score":0.5039139986038208},{"text":"Bye. Alright. Say yeah. Bye bye.","start_word":1429,"end_word":1434,"sentiment":"neutral","sentiment_score":0.21300145983695984}],"average":{"sentiment":"neutral","sentiment_score":0.06034303128578421}}}}