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I had you booked in just for a quick catch up, really, just to kind of follow on from the conversation we had a little while ago in regards to your super investment. Do you have a a couple of minutes to just kinda finish that off today? Yes. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Yes. Yep. Perfect. Now before I kind of go into the super more, I do wanted to check as well. My colleague, Kaden, mentioned that he's kind of been in touch with you on potentially some IP claim. How how is that all going? Mhmm. Okay. Yeah. Perfect. No problem. And did the doctor say any kind of indication of, like, time frame and stuff like that? Okay. Yep. Yep. Yep. Yep. Yep. Yep. We'll take it from there. Okay. Awesome. Yeah. Yeah. Yeah. For income. At least you do have a pretty good policy, and you only have the thirty day waiting period, which is good. You have one of the shortest one. So so that's good. So I'm glad I kind of underway. I will let Kaden know as well to kind of keep a lookout for those documents. Yeah. Yeah. Yeah. Great. Perfect. That's good. So, essentially, obviously, aside from insurances, basically, what we were talking about is just kind of reviewing your superannuation, and it was mainly just that one investment we were looking at swapping out through something that's performing a little bit better. Now when we spoke last time, I kind of mentioned the concept of the the SMA that we've just launched with BlackRock. I send you some information. Did you have a chance to read it? Or yeah. Mhmm. Okay. Okay. So yeah. And it's one of those things that we we have we've merged with them to come up with a portfolio. So what I have to do as well is I have to go away and do some research today because I need to make sure that as long as you obviously comfortable looking at it, I'm still looking at other options aside from BlackRock's SMA because I need to make sure that whatever I do recommend for you is going to put you in a better position. So I will go and do the research. I will consider that as part of the research. And if it turns out that the SMA is, you know, better performing and cheaper and lower volatility and stuff like that than your current position, then I might recommend it. I will go through it in a statement of advice with you anyway so you can actually see the returns and the fees and everything before we make a change. Mhmm. So I will go and do that this rate. Now, Joe, I wanna just triple check as well that you are still comfortable with your high growth portfolio. We kind of touched on this last time given you do have plenty of time on your retirement. Are you still comfortable with the same risk allocation as what you currently have? Yeah. Pretty happy with that. Yeah. Yeah. Yeah. Well well, things are a little bit down. Perfect. Now I do I do quickly just wanna run through the fact find with you just to see if there's anything else that's changed that I need to factor in this in the research. Now, obviously, I have your employment situation. Now aside from that, I have your personal detail as you are in a partnership relationship and that you have one son who lives with a mom. Is that correct? Yep. That's fine. Is he relying on you financially, like, live with you? No. Yeah. No. No. That's all good. Otherwise, assets, I have investment property about 430,000. Loan about $2.20. Yep. A used by about 20,000 and a Land Cruiser at about 70,000. Perfect. Any other assets? That's all good. No. We get all kinds of clients, don't you worry? No. And, otherwise, estate planning wise, I do wanted to check with you here. So on your super and your insurances, we don't currently have a nomination. So that is if something were to happen to you. Who do you wanna nominate? Do you know? Yep. Can be there are there can be a range of different people. There are tax consequences depending on who you nominate. So if you wanna let me know who you are thinking, then I can let you know if that is a valid nomination and what their tax consequences would be. So if it's a, yeah, so if it's a partner like a spouse, that is valid, then it will be completely tax free to them. If it's if it's a child, then if it's 18, tax free, again, valid nomination. If it's overtaxed for sorry. If it's over 18, unless they're, you know, studying at uni or some disability in regards to it, otherwise, they can be taxed up through 32%, including the medical levy surcharge for any untax component if they're over 18. Aside from that, if you were thinking, like, your mom or dad or sibling, then we would have to structure it a little bit differently, and they would have to pay tax on their component as well because they wouldn't be. So do you have any any idea of who you would like? Yeah. Yeah. Yeah. So what we can do is we can email you the forms. Now do you have access to a printer, or do you prefer post? Print stuff? Okay. Cool. What I'll do is I'll get the team to email you your super and insurance form. It has a cover letter as well. And in that, I can get the team to just kind of include the link as well with some information of who's a valid nomination and what the tax implications might be as well, and then you can obviously take your time, have a read over it. If you have any questions after that, you can always just let me know. Otherwise, just print it off, sign it. It has to be a witness as well because you are making a legal nomination. And then when you return it to us, we can get that sorted with Hub twenty four and one pass for you. Yeah. Is he under 18? Yeah. Then he would get everything. So he's valid and needs a 100% tax free to him at the moment because he's under 18. Yeah. So if something were to happen, that is the, I guess, the most streamlined way of doing it. And most people obviously, depends on their family situation. Obviously, partner or children is what most people, you know, go with. Again, depending on the situation, but it does make it the most streamlined way, ensuring that it goes to him if something were to happen. Yeah. Because he's under 18, it's tax free. Yeah. Okay. Perfect. So, Scott, it will take me about a week to put together this research for your super. Yeah. When is do you have some time at, like, the end of next week to go through this? Let me have a look here. Yeah. Now we'll be on the same time zone. Wait. Hold on. No. Still half an hour. I can do Wednesday at 10:00 your time. Would that work? Okay. Perfect. So that is Wednesday, April 15 at 10AM your time. The conversation might take maybe twenty minutes or so, and I will also send you, yeah, perfect, an email with the documents that we can kind of go through at the time. I will get the team to send you those beneficiary forms, and then I'll let Kate know to keep a look at on the forms for the income protection claim as well. Yep. Perfect. What in what way do you mean? Mhmm. Mhmm. Yes and no. My situation is a bit restrictive because my partner works in the industry, so I have limitations of what I'm allowed to do. So yes. So do you know what? So many times because, obviously, it's my job as well. It's a little bit different, but there's so many times that I'm like, yeah, I would love to do this. I would love to do this, but I can't because restrictions on his occupation and obviously risk insider trading or anything like that. So it's very type heavy of what I can do. So I look at so many things, and I'm like, oh my god. I would love to do this, but I just can't cannot do it. So so it's it's great because I get the information. I just I'm restricted of what I'm allowed to do. Yeah. Yeah. Yeah. Yeah. Yes. Yes. I can say that I use Hub twenty four for my personal super. I do. Sorry. Obviously, looking at the different platforms, they are one of the most competitive. I will obviously still consider it, but they are very good in terms of the investment flexibility and choices and fees and stuff, so I use that. Yes. Yeah. Exactly. But then but then as well, because there is so much obviously, like, I'm I'm working for you, and my job is to put you in a better position. And because we're a holistic firm as well, it's like I whatever that might be is what I will recommend. Like, I don't have to stick with one option. There is hundreds of different superannuations, insurances, investment choices. So it's not like, you know, if you speak to an adviser at Host Plus or Australian Super or Macquarie, sometimes they're restricted to only make recommendations on their product, whereas we are not. So yeah. So it gives us so much more flexibility. I mean, it also means that as well, like, things are always changing. So if, for example, we make a recommendation on, oh, this is what's going to put you in the best position now in, let's say, five years, maybe there's another product that's out there that's going to be better. Cool. Then we can talk you to that. Like, it gives us that flexibility to do. Yeah. Yeah. Perfect. No. That's okay, Scott. Do you have any other questions for me before I let you go otherwise? No. Oh, no problem at all, Scott. And I look forward to speaking with you next Wednesday at 10AM. No worries. Thanks. Bye. 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morning. Is this Scott? This is Veronica from OTC Financial. How are you? I'm good.\n\nThanks. I had you booked in just for a quick catch up, really, just to kind of follow on from the conversation we had a little while ago in regards to your super investment. Do you have a a couple of minutes to just kinda finish that off today? Yes. Perfect.\n\nNow just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Yes. Yep.\n\nPerfect. Now before I kind of go into the super more, I do wanted to check as well. My colleague, Kaden, mentioned that he's kind of been in touch with you on potentially some IP claim. How how is that all going? Mhmm.\n\nOkay. Yeah. Perfect. No problem. And did the doctor say any kind of indication of, like, time frame and stuff like that?\n\nOkay. Yep. Yep. Yep. Yep.\n\nYep. Yep. We'll take it from there. Okay. Awesome.\n\nYeah. Yeah. Yeah. For income. At least you do have a pretty good policy, and you only have the thirty day waiting period, which is good.\n\nYou have one of the shortest one. So so that's good. So I'm glad I kind of underway. I will let Kaden know as well to kind of keep a lookout for those documents. Yeah.\n\nYeah. Yeah. Great. Perfect. That's good.\n\nSo, essentially, obviously, aside from insurances, basically, what we were talking about is just kind of reviewing your superannuation, and it was mainly just that one investment we were looking at swapping out through something that's performing a little bit better. Now when we spoke last time, I kind of mentioned the concept of the the SMA that we've just launched with BlackRock. I send you some information. Did you have a chance to read it? Or yeah.\n\nMhmm. Okay. Okay. So yeah. And it's one of those things that we we have we've merged with them to come up with a portfolio.\n\nSo what I have to do as well is I have to go away and do some research today because I need to make sure that as long as you obviously comfortable looking at it, I'm still looking at other options aside from BlackRock's SMA because I need to make sure that whatever I do recommend for you is going to put you in a better position. So I will go and do the research. I will consider that as part of the research. And if it turns out that the SMA is, you know, better performing and cheaper and lower volatility and stuff like that than your current position, then I might recommend it. I will go through it in a statement of advice with you anyway so you can actually see the returns and the fees and everything before we make a change.\n\nMhmm. So I will go and do that this rate. Now, Joe, I wanna just triple check as well that you are still comfortable with your high growth portfolio. We kind of touched on this last time given you do have plenty of time on your retirement. Are you still comfortable with the same risk allocation as what you currently have?\n\nYeah. Pretty happy with that. Yeah. Yeah. Yeah.\n\nWell well, things are a little bit down. Perfect. Now I do I do quickly just wanna run through the fact find with you just to see if there's anything else that's changed that I need to factor in this in the research. Now, obviously, I have your employment situation. Now aside from that, I have your personal detail as you are in a partnership relationship and that you have one son who lives with a mom.\n\nIs that correct? Yep. That's fine. Is he relying on you financially, like, live with you? No.\n\nYeah. No. No. That's all good. Otherwise, assets, I have investment property about 430,000.\n\nLoan about $2.20. Yep. A used by about 20,000 and a Land Cruiser at about 70,000. Perfect. Any other assets?\n\nThat's all good. No. We get all kinds of clients, don't you worry? No. And, otherwise, estate planning wise, I do wanted to check with you here.\n\nSo on your super and your insurances, we don't currently have a nomination. So that is if something were to happen to you. Who do you wanna nominate? Do you know? Yep.\n\nCan be there are there can be a range of different people. There are tax consequences depending on who you nominate. So if you wanna let me know who you are thinking, then I can let you know if that is a valid nomination and what their tax consequences would be. So if it's a, yeah, so if it's a partner like a spouse, that is valid, then it will be completely tax free to them. If it's if it's a child, then if it's 18, tax free, again, valid nomination.\n\nIf it's overtaxed for sorry. If it's over 18, unless they're, you know, studying at uni or some disability in regards to it, otherwise, they can be taxed up through 32%, including the medical levy surcharge for any untax component if they're over 18. Aside from that, if you were thinking, like, your mom or dad or sibling, then we would have to structure it a little bit differently, and they would have to pay tax on their component as well because they wouldn't be. So do you have any any idea of who you would like? Yeah.\n\nYeah. Yeah. So what we can do is we can email you the forms. Now do you have access to a printer, or do you prefer post? Print stuff?\n\nOkay. Cool. What I'll do is I'll get the team to email you your super and insurance form. It has a cover letter as well. And in that, I can get the team to just kind of include the link as well with some information of who's a valid nomination and what the tax implications might be as well, and then you can obviously take your time, have a read over it.\n\nIf you have any questions after that, you can always just let me know. Otherwise, just print it off, sign it. It has to be a witness as well because you are making a legal nomination. And then when you return it to us, we can get that sorted with Hub twenty four and one pass for you. Yeah.\n\nIs he under 18? Yeah. Then he would get everything. So he's valid and needs a 100% tax free to him at the moment because he's under 18. Yeah.\n\nSo if something were to happen, that is the, I guess, the most streamlined way of doing it. And most people obviously, depends on their family situation. Obviously, partner or children is what most people, you know, go with. Again, depending on the situation, but it does make it the most streamlined way, ensuring that it goes to him if something were to happen. Yeah.\n\nBecause he's under 18, it's tax free. Yeah. Okay. Perfect. So, Scott, it will take me about a week to put together this research for your super.\n\nYeah. When is do you have some time at, like, the end of next week to go through this? Let me have a look here. Yeah. Now we'll be on the same time zone.\n\nWait. Hold on. No. Still half an hour. I can do Wednesday at 10:00 your time.\n\nWould that work? Okay. Perfect. So that is Wednesday, April 15 at 10AM your time. The conversation might take maybe twenty minutes or so, and I will also send you, yeah, perfect, an email with the documents that we can kind of go through at the time.\n\nI will get the team to send you those beneficiary forms, and then I'll let Kate know to keep a look at on the forms for the income protection claim as well. Yep. Perfect. What in what way do you mean? Mhmm.\n\nMhmm. Yes and no. My situation is a bit restrictive because my partner works in the industry, so I have limitations of what I'm allowed to do. So yes. So do you know what?\n\nSo many times because, obviously, it's my job as well. It's a little bit different, but there's so many times that I'm like, yeah, I would love to do this. I would love to do this, but I can't because restrictions on his occupation and obviously risk insider trading or anything like that. So it's very type heavy of what I can do. So I look at so many things, and I'm like, oh my god.\n\nI would love to do this, but I just can't cannot do it. So so it's it's great because I get the information. I just I'm restricted of what I'm allowed to do. Yeah. Yeah.\n\nYeah. Yeah. Yes. Yes. I can say that I use Hub twenty four for my personal super.\n\nI do. Sorry. Obviously, looking at the different platforms, they are one of the most competitive. I will obviously still consider it, but they are very good in terms of the investment flexibility and choices and fees and stuff, so I use that. Yes.\n\nYeah. Exactly. But then but then as well, because there is so much obviously, like, I'm I'm working for you, and my job is to put you in a better position. And because we're a holistic firm as well, it's like I whatever that might be is what I will recommend. Like, I don't have to stick with one option.\n\nThere is hundreds of different superannuations, insurances, investment choices. So it's not like, you know, if you speak to an adviser at Host Plus or Australian Super or Macquarie, sometimes they're restricted to only make recommendations on their product, whereas we are not. So yeah. So it gives us so much more flexibility. I mean, it also means that as well, like, things are always changing.\n\nSo if, for example, we make a recommendation on, oh, this is what's going to put you in the best position now in, let's say, five years, maybe there's another product that's out there that's going to be better. Cool. Then we can talk you to that. Like, it gives us that flexibility to do. Yeah.\n\nYeah. Perfect. No. That's okay, Scott. Do you have any other questions for me before I let you go otherwise?\n\nNo. Oh, no problem at all, Scott. And I look forward to speaking with you next Wednesday at 10AM. No worries. Thanks.\n\nBye. Bye.","paragraphs":[{"sentences":[{"text":"Good morning.","start":2.0,"end":2.48,"sentiment":"neutral","sentiment_score":0.25050485134124756},{"text":"Is this Scott?","start":2.48,"end":3.3799999,"sentiment":"neutral","sentiment_score":0.12736614793539047},{"text":"This is Veronica from OTC Financial.","start":5.04,"end":7.2,"sentiment":"neutral","sentiment_score":0.12313764914870262},{"text":"How are you?","start":7.2,"end":8.02,"sentiment":"neutral","sentiment_score":0.12031562626361847},{"text":"I'm good.","start":10.16,"end":10.96,"sentiment":"positive","sentiment_score":0.5844376385211945}],"sentiment":"neutral","sentiment_score":0.1969847623258829,"num_words":16,"start":2.0,"end":10.96},{"sentences":[{"text":"Thanks.","start":10.96,"end":11.46,"sentiment":"positive","sentiment_score":0.5913592576980591},{"text":"I had you booked in just for a quick catch up, really, just to kind of follow on from the conversation we had a little while ago in regards to your super investment.","start":12.415,"end":21.395,"sentiment":"neutral","sentiment_score":0.1471672814452287},{"text":"Do you have a a couple of minutes to just kinda finish that off today?","start":21.535,"end":24.994999,"sentiment":"neutral","sentiment_score":0.11361437290906906},{"text":"Yes.","start":26.119999,"end":26.619999,"sentiment":"neutral","sentiment_score":0.1499168872833252},{"text":"Perfect.","start":27.08,"end":27.58,"sentiment":"positive","sentiment_score":0.35910505056381226}],"sentiment":"neutral","sentiment_score":0.15021798189948588,"num_words":51,"start":10.96,"end":27.58},{"sentences":[{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":27.88,"end":34.54,"sentiment":"neutral","sentiment_score":0.03710822504142235},{"text":"Perfect.","start":36.36,"end":36.86,"sentiment":"neutral","sentiment_score":0.3170698285102844},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?","start":36.92,"end":43.935,"sentiment":"neutral","sentiment_score":0.0791232343763113},{"text":"Yes.","start":47.915,"end":48.415,"sentiment":"neutral","sentiment_score":0.04613505303859711},{"text":"Yep.","start":49.275,"end":49.675003,"sentiment":"neutral","sentiment_score":0.1836223304271698}],"sentiment":"neutral","sentiment_score":0.06345120399933436,"num_words":58,"start":27.88,"end":49.675003},{"sentences":[{"text":"Perfect.","start":49.675003,"end":50.175003,"sentiment":"positive","sentiment_score":0.3419405519962311},{"text":"Now before I kind of go into the super more, I do wanted to check as well.","start":50.43,"end":56.35,"sentiment":"neutral","sentiment_score":0.06329137327916481},{"text":"My colleague, Kaden, mentioned that he's kind of been in touch with you on potentially some IP claim.","start":56.35,"end":62.45,"sentiment":"neutral","sentiment_score":0.052483846536941},{"text":"How how is that all going?","start":64.19,"end":65.89,"sentiment":"neutral","sentiment_score":0.0456660445779562},{"text":"Mhmm.","start":77.255,"end":77.495,"sentiment":"neutral","sentiment_score":-0.01133006252348423}],"sentiment":"neutral","sentiment_score":0.06105277535700521,"num_words":43,"start":49.675003,"end":77.495},{"sentences":[{"text":"Okay.","start":77.495,"end":77.995,"sentiment":"neutral","sentiment_score":0.001741098240017891},{"text":"Yeah.","start":82.39,"end":82.87,"sentiment":"neutral","sentiment_score":0.13515828549861908},{"text":"Perfect.","start":82.87,"end":83.37,"sentiment":"neutral","sentiment_score":0.20870202779769895},{"text":"No problem.","start":83.59,"end":84.409996,"sentiment":"neutral","sentiment_score":0.10688444599509239},{"text":"And did the doctor say any kind of indication of, like, time frame and stuff like that?","start":84.79,"end":91.53,"sentiment":"neutral","sentiment_score":0.014077177052112186}],"sentiment":"neutral","sentiment_score":0.03630374151874672,"num_words":22,"start":77.495,"end":91.53},{"sentences":[{"text":"Okay.","start":96.125,"end":96.625,"sentiment":"neutral","sentiment_score":0.06325407326221466},{"text":"Yep.","start":98.845,"end":99.345,"sentiment":"neutral","sentiment_score":0.03601374849677086},{"text":"Yep.","start":103.244995,"end":103.744995,"sentiment":"neutral","sentiment_score":0.05620729178190231},{"text":"Yep.","start":106.62,"end":107.12,"sentiment":"neutral","sentiment_score":0.01818765513598919},{"text":"Yep.","start":107.740005,"end":108.22,"sentiment":"neutral","sentiment_score":0.1893937587738037}],"sentiment":"neutral","sentiment_score":0.07261130549013614,"num_words":5,"start":96.125,"end":108.22},{"sentences":[{"text":"Yep.","start":108.22,"end":108.72,"sentiment":"neutral","sentiment_score":0.05561637878417969},{"text":"Yep.","start":112.22,"end":112.72,"sentiment":"neutral","sentiment_score":-0.15742412209510803},{"text":"We'll take it from there.","start":113.5,"end":114.78001,"sentiment":"neutral","sentiment_score":-0.029080745205283164},{"text":"Okay.","start":114.78001,"end":115.18,"sentiment":"neutral","sentiment_score":0.15541967749595642},{"text":"Awesome.","start":115.18,"end":115.68,"sentiment":"positive","sentiment_score":0.5601211786270142}],"sentiment":"neutral","sentiment_score":0.05203659853173627,"num_words":9,"start":108.22,"end":115.68},{"sentences":[{"text":"Yeah.","start":122.955,"end":123.455,"sentiment":"neutral","sentiment_score":0.11034448444843292},{"text":"Yeah.","start":123.595,"end":124.095,"sentiment":"neutral","sentiment_score":0.13990145921707153},{"text":"Yeah.","start":124.235,"end":124.555,"sentiment":"neutral","sentiment_score":0.16269436478614807},{"text":"For income.","start":124.555,"end":125.375,"sentiment":"neutral","sentiment_score":0.19679564982652664},{"text":"At least you do have a pretty good policy, and you only have the thirty day waiting period, which is good.","start":125.595,"end":131.34001,"sentiment":"positive","sentiment_score":0.3584766785303752}],"sentiment":"neutral","sentiment_score":0.32055930220163786,"num_words":26,"start":122.955,"end":131.34001},{"sentences":[{"text":"You have one of the shortest one.","start":131.34001,"end":132.96,"sentiment":"neutral","sentiment_score":0.2644652468817575},{"text":"So so that's good.","start":133.82,"end":134.94,"sentiment":"positive","sentiment_score":0.5207861810922623},{"text":"So I'm glad I kind of underway.","start":134.94,"end":136.22,"sentiment":"positive","sentiment_score":0.6584953580583844},{"text":"I will let Kaden know as well to kind of keep a lookout for those documents.","start":136.22,"end":139.76001,"sentiment":"neutral","sentiment_score":0.28412923961877823},{"text":"Yeah.","start":141.435,"end":141.935,"sentiment":"neutral","sentiment_score":0.07847164571285248}],"sentiment":"positive","sentiment_score":0.3762402411018099,"num_words":35,"start":131.34001,"end":141.935},{"sentences":[{"text":"Yeah.","start":147.19499,"end":147.69499,"sentiment":"neutral","sentiment_score":0.03389286249876022},{"text":"Yeah.","start":148.315,"end":148.815,"sentiment":"neutral","sentiment_score":0.03815598785877228},{"text":"Great.","start":151.11499,"end":151.515,"sentiment":"positive","sentiment_score":0.5198134183883667},{"text":"Perfect.","start":151.515,"end":152.015,"sentiment":"positive","sentiment_score":0.5688076019287109},{"text":"That's good.","start":153.11499,"end":153.675,"sentiment":"positive","sentiment_score":0.4274365156888962}],"sentiment":"positive","sentiment_score":0.33592381700873375,"num_words":6,"start":147.19499,"end":153.675},{"sentences":[{"text":"So, essentially, obviously, aside from insurances, basically, what we were talking about is just kind of reviewing your superannuation, and it was mainly just that one investment we were looking at swapping out through something that's performing a little bit better.","start":153.675,"end":167.11,"sentiment":"neutral","sentiment_score":0.0939240934463536},{"text":"Now when we spoke last time, I kind of mentioned the concept of the the SMA that we've just launched with BlackRock.","start":167.65001,"end":175.725,"sentiment":"neutral","sentiment_score":0.057816811837255955},{"text":"I send you some information.","start":176.265,"end":177.725,"sentiment":"neutral","sentiment_score":0.02922324016690254},{"text":"Did you have a chance to read it?","start":179.625,"end":182.105,"sentiment":"neutral","sentiment_score":0.013396053109318018},{"text":"Or yeah.","start":182.105,"end":187.44,"sentiment":"neutral","sentiment_score":0.05065044481307268}],"sentiment":"neutral","sentiment_score":0.07022363085968372,"num_words":78,"start":153.675,"end":187.44},{"sentences":[{"text":"Mhmm.","start":195.26,"end":195.76,"sentiment":"neutral","sentiment_score":-0.15093718469142914},{"text":"Okay.","start":204.155,"end":204.635,"sentiment":"neutral","sentiment_score":0.16672134399414062},{"text":"Okay.","start":204.635,"end":205.115,"sentiment":"neutral","sentiment_score":0.18374750018119812},{"text":"So yeah.","start":205.115,"end":207.775,"sentiment":"neutral","sentiment_score":0.3175235837697983},{"text":"And it's one of those things that we we have we've merged with them to come up with a portfolio.","start":208.67,"end":214.37,"sentiment":"neutral","sentiment_score":0.2081534184515476}],"sentiment":"neutral","sentiment_score":0.19990588784217833,"num_words":25,"start":195.26,"end":214.37},{"sentences":[{"text":"So what I have to do as well is I have to go away and do some research today because I need to make sure that as long as you obviously comfortable looking at it, I'm still looking at other options aside from BlackRock's SMA because I need to make sure that whatever I do recommend for you is going to put you in a better position.","start":214.59,"end":231.745,"sentiment":"neutral","sentiment_score":0.09900098405222395},{"text":"So I will go and do the research.","start":231.965,"end":234.045,"sentiment":"neutral","sentiment_score":0.1667658118531108},{"text":"I will consider that as part of the research.","start":234.045,"end":236.58,"sentiment":"neutral","sentiment_score":0.19715965622001225},{"text":"And if it turns out that the SMA is, you know, better performing and cheaper and lower volatility and stuff like that than your current position, then I might recommend it.","start":237.14,"end":248.26,"sentiment":"neutral","sentiment_score":0.2620463416941704},{"text":"I will go through it in a statement of advice with you anyway so you can actually see the returns and the fees and everything before we make a change.","start":248.26,"end":256.73502,"sentiment":"neutral","sentiment_score":0.21715570837259293}],"sentiment":"neutral","sentiment_score":0.1681361184551798,"num_words":145,"start":214.59,"end":256.73502},{"sentences":[{"text":"Mhmm.","start":257.595,"end":258.095,"sentiment":"neutral","sentiment_score":0.10211918503046036},{"text":"So I will go and do that this rate.","start":258.475,"end":262.095,"sentiment":"neutral","sentiment_score":0.14883626831902397},{"text":"Now, Joe, I wanna just triple check as well that you are still comfortable with your high growth portfolio.","start":262.555,"end":268.3,"sentiment":"neutral","sentiment_score":0.1829581292052018},{"text":"We kind of touched on this last time given you do have plenty of time on your retirement.","start":268.43997,"end":273.02,"sentiment":"neutral","sentiment_score":0.12693305272195074},{"text":"Are you still comfortable with the same risk allocation as what you currently have?","start":273.08,"end":277.25998,"sentiment":"neutral","sentiment_score":0.0630429642541068}],"sentiment":"neutral","sentiment_score":0.1325450246451331,"num_words":61,"start":257.595,"end":277.25998},{"sentences":[{"text":"Yeah.","start":278.435,"end":278.935,"sentiment":"positive","sentiment_score":0.41860541701316833},{"text":"Pretty happy with that.","start":279.955,"end":281.095,"sentiment":"positive","sentiment_score":0.7213025391101837},{"text":"Yeah.","start":281.395,"end":281.895,"sentiment":"positive","sentiment_score":0.40045392513275146},{"text":"Yeah.","start":284.115,"end":284.615,"sentiment":"neutral","sentiment_score":0.09842273592948914},{"text":"Yeah.","start":289.81,"end":290.31,"sentiment":"neutral","sentiment_score":0.02441439777612686}],"sentiment":"positive","sentiment_score":0.47838832903653383,"num_words":8,"start":278.435,"end":290.31},{"sentences":[{"text":"Well well, things are a little bit down.","start":291.89,"end":293.49,"sentiment":"neutral","sentiment_score":-0.171765498816967},{"text":"Perfect.","start":293.49,"end":293.99,"sentiment":"positive","sentiment_score":0.4083709418773651},{"text":"Now I do I do quickly just wanna run through the fact find with you just to see if there's anything else that's changed that I need to factor in this in the research.","start":294.37,"end":302.61002,"sentiment":"neutral","sentiment_score":0.13407412872594945},{"text":"Now, obviously, I have your employment situation.","start":302.61002,"end":305.905,"sentiment":"neutral","sentiment_score":0.035384065604635646},{"text":"Now aside from that, I have your personal detail as you are in a partnership relationship and that you have one son who lives with a mom.","start":307.965,"end":317.48502,"sentiment":"neutral","sentiment_score":0.03242351011269622}],"sentiment":"neutral","sentiment_score":0.06124533195193712,"num_words":77,"start":291.89,"end":317.48502},{"sentences":[{"text":"Is that correct?","start":317.48502,"end":318.30502,"sentiment":"neutral","sentiment_score":0.03739143659671148},{"text":"Yep.","start":319.69,"end":320.19,"sentiment":"neutral","sentiment_score":0.04113925248384476},{"text":"That's fine.","start":321.85,"end":322.75,"sentiment":"neutral","sentiment_score":-0.01773961167782545},{"text":"Is he relying on you financially, like, live with you?","start":323.53,"end":327.47,"sentiment":"neutral","sentiment_score":-0.02851365776732564},{"text":"No.","start":327.77002,"end":328.27002,"sentiment":"neutral","sentiment_score":-0.08678771555423737}],"sentiment":"neutral","sentiment_score":-0.014946467900539146,"num_words":17,"start":317.48502,"end":328.27002},{"sentences":[{"text":"Yeah.","start":329.29,"end":329.79,"sentiment":"neutral","sentiment_score":-0.029054975137114525},{"text":"No.","start":330.01,"end":330.41,"sentiment":"neutral","sentiment_score":-0.062263574451208115},{"text":"No.","start":330.41,"end":330.73,"sentiment":"neutral","sentiment_score":-0.06854969263076782},{"text":"That's all good.","start":330.73,"end":331.87,"sentiment":"neutral","sentiment_score":0.0264497771859169},{"text":"Otherwise, assets, I have investment property about 430,000.","start":333.995,"end":340.01498,"sentiment":"neutral","sentiment_score":0.006161989411339164}],"sentiment":"neutral","sentiment_score":-0.002230213955044747,"num_words":14,"start":329.29,"end":340.01498},{"sentences":[{"text":"Loan about $2.20.","start":341.675,"end":343.375,"sentiment":"neutral","sentiment_score":0.030776572103301685},{"text":"Yep.","start":345.435,"end":345.9,"sentiment":"neutral","sentiment_score":0.037651993334293365},{"text":"A used by about 20,000 and a Land Cruiser at about 70,000.","start":346.69998,"end":350.96,"sentiment":"neutral","sentiment_score":0.041735836304724216},{"text":"Perfect.","start":352.62,"end":353.1,"sentiment":"positive","sentiment_score":0.337024450302124},{"text":"Any other assets?","start":353.1,"end":354.72,"sentiment":"neutral","sentiment_score":0.09705889970064163}],"sentiment":"neutral","sentiment_score":0.06295064473524689,"num_words":20,"start":341.675,"end":354.72},{"sentences":[{"text":"That's all good.","start":356.86,"end":357.91998,"sentiment":"neutral","sentiment_score":0.2533971468607585},{"text":"No.","start":360.415,"end":360.915,"sentiment":"neutral","sentiment_score":-0.3006804883480072},{"text":"We get all kinds of clients, don't you worry?","start":362.895,"end":365.075,"sentiment":"neutral","sentiment_score":-0.08128161935342683},{"text":"No.","start":368.415,"end":368.895,"sentiment":"neutral","sentiment_score":-0.08463490009307861},{"text":"And, otherwise, estate planning wise, I do wanted to check with you here.","start":368.895,"end":373.77,"sentiment":"neutral","sentiment_score":-0.03420794440003542}],"sentiment":"neutral","sentiment_score":-0.029680066638522677,"num_words":27,"start":356.86,"end":373.77},{"sentences":[{"text":"So on your super and your insurances, we don't currently have a nomination.","start":374.00998,"end":377.47,"sentiment":"neutral","sentiment_score":-0.07818025608475392},{"text":"So that is if something were to happen to you.","start":377.61,"end":380.03,"sentiment":"neutral","sentiment_score":-0.06990469619631767},{"text":"Who do you wanna nominate?","start":381.28998,"end":382.90997,"sentiment":"neutral","sentiment_score":-0.03212580755352974},{"text":"Do you know?","start":383.77,"end":384.59,"sentiment":"neutral","sentiment_score":-0.02846958115696907},{"text":"Yep.","start":386.905,"end":387.405,"sentiment":"neutral","sentiment_score":-0.020264919847249985}],"sentiment":"neutral","sentiment_score":-0.061927906004711986,"num_words":32,"start":374.00998,"end":387.405},{"sentences":[{"text":"Can be there are there can be a range of different people.","start":387.625,"end":391.465,"sentiment":"neutral","sentiment_score":-0.06223485246300697},{"text":"There are tax consequences depending on who you nominate.","start":391.465,"end":394.445,"sentiment":"neutral","sentiment_score":-0.13401340610451168},{"text":"So if you wanna let me know who you are thinking, then I can let you know if that is a valid nomination and what their tax consequences would be.","start":396.66498,"end":405.37997,"sentiment":"neutral","sentiment_score":0.07438453808426856},{"text":"So if it's a, yeah, so if it's a partner like a spouse, that is valid, then it will be completely tax free to them.","start":412.8,"end":420.525,"sentiment":"neutral","sentiment_score":0.1623888984322548},{"text":"If it's if it's a child, then if it's 18, tax free, again, valid nomination.","start":420.905,"end":428.04,"sentiment":"neutral","sentiment_score":0.12686567703882853}],"sentiment":"neutral","sentiment_score":0.06858576785077106,"num_words":91,"start":387.625,"end":428.04},{"sentences":[{"text":"If it's overtaxed for sorry.","start":428.18,"end":429.94,"sentiment":"neutral","sentiment_score":-0.2869313478469849},{"text":"If it's over 18, unless they're, you know, studying at uni or some disability in regards to it, otherwise, they can be taxed up through 32%, including the medical levy surcharge for any untax component if they're over 18.","start":429.94,"end":448.185,"sentiment":"neutral","sentiment_score":-0.14313143878602064},{"text":"Aside from that, if you were thinking, like, your mom or dad or sibling, then we would have to structure it a little bit differently, and they would have to pay tax on their component as well because they wouldn't be.","start":449.365,"end":464.19998,"sentiment":"neutral","sentiment_score":-0.1926964208847139},{"text":"So do you have any any idea of who you would like?","start":465.495,"end":468.795,"sentiment":"neutral","sentiment_score":-0.04716930848856767},{"text":"Yeah.","start":473.495,"end":473.995,"sentiment":"neutral","sentiment_score":0.013677794486284256}],"sentiment":"neutral","sentiment_score":-0.15785397975040333,"num_words":98,"start":428.18,"end":473.995},{"sentences":[{"text":"Yeah.","start":477.50998,"end":478.00998,"sentiment":"neutral","sentiment_score":0.06948371231555939},{"text":"Yeah.","start":478.06998,"end":478.47,"sentiment":"neutral","sentiment_score":0.08628487586975098},{"text":"So what we can do is we can email you the forms.","start":478.47,"end":481.43,"sentiment":"neutral","sentiment_score":0.14747625341018042},{"text":"Now do you have access to a printer, or do you prefer post?","start":481.43,"end":485.28998,"sentiment":"neutral","sentiment_score":0.057898055332211346},{"text":"Print stuff?","start":487.11,"end":487.66998,"sentiment":"neutral","sentiment_score":0.03656401298940182}],"sentiment":"neutral","sentiment_score":0.09487194394500091,"num_words":29,"start":477.50998,"end":487.66998},{"sentences":[{"text":"Okay.","start":487.66998,"end":487.99,"sentiment":"neutral","sentiment_score":0.14927978813648224},{"text":"Cool.","start":487.99,"end":488.49,"sentiment":"neutral","sentiment_score":0.26767468452453613},{"text":"What I'll do is I'll get the team to email you your super and insurance form.","start":488.645,"end":493.305,"sentiment":"neutral","sentiment_score":0.31520417612046003},{"text":"It has a cover letter as well.","start":493.525,"end":495.785,"sentiment":"neutral","sentiment_score":0.27125229792935507},{"text":"And in that, I can get the team to just kind of include the link as well with some information of who's a valid nomination and what the tax implications might be as well, and then you can obviously take your time, have a read over it.","start":496.245,"end":508.78,"sentiment":"neutral","sentiment_score":0.29377235186860917}],"sentiment":"neutral","sentiment_score":0.2939762210266458,"num_words":72,"start":487.66998,"end":508.78},{"sentences":[{"text":"If you have any questions after that, you can always just let me know.","start":509.47998,"end":512.62,"sentiment":"neutral","sentiment_score":0.16220152697392873},{"text":"Otherwise, just print it off, sign it.","start":512.83997,"end":515.98,"sentiment":"neutral","sentiment_score":0.08521001094153949},{"text":"It has to be a witness as well because you are making a legal nomination.","start":516.04,"end":519.875,"sentiment":"neutral","sentiment_score":0.065351519236962},{"text":"And then when you return it to us, we can get that sorted with Hub twenty four and one pass for you.","start":519.875,"end":524.695,"sentiment":"neutral","sentiment_score":0.13767427917231212},{"text":"Yeah.","start":525.795,"end":526.295,"sentiment":"neutral","sentiment_score":0.12961606681346893}],"sentiment":"neutral","sentiment_score":0.1187460076505855,"num_words":59,"start":509.47998,"end":526.295},{"sentences":[{"text":"Is he under 18?","start":532.93,"end":534.47003,"sentiment":"neutral","sentiment_score":0.01404309447389096},{"text":"Yeah.","start":535.73004,"end":536.13,"sentiment":"neutral","sentiment_score":0.13588666915893555},{"text":"Then he would get everything.","start":536.13,"end":537.59,"sentiment":"neutral","sentiment_score":0.16625021398067474},{"text":"So he's valid and needs a 100% tax free to him at the moment because he's under 18.","start":537.65,"end":542.31,"sentiment":"neutral","sentiment_score":0.19136513552318016},{"text":"Yeah.","start":542.37,"end":542.685,"sentiment":"neutral","sentiment_score":0.06988197565078735}],"sentiment":"neutral","sentiment_score":0.15647463903537598,"num_words":29,"start":532.93,"end":542.685},{"sentences":[{"text":"So if something were to happen, that is the, I guess, the most streamlined way of doing it.","start":542.925,"end":548.685,"sentiment":"neutral","sentiment_score":0.16517258766624662},{"text":"And most people obviously, depends on their family situation.","start":548.685,"end":552.465,"sentiment":"neutral","sentiment_score":0.10193557706144121},{"text":"Obviously, partner or children is what most people, you know, go with.","start":553.485,"end":558.32,"sentiment":"neutral","sentiment_score":0.0972664797057708},{"text":"Again, depending on the situation, but it does make it the most streamlined way, ensuring that it goes to him if something were to happen.","start":558.32,"end":564.57996,"sentiment":"neutral","sentiment_score":0.22883475482463836},{"text":"Yeah.","start":564.88,"end":565.12,"sentiment":"neutral","sentiment_score":0.12546969950199127}],"sentiment":"neutral","sentiment_score":0.16775481689434785,"num_words":65,"start":542.925,"end":565.12},{"sentences":[{"text":"Because he's under 18, it's tax free.","start":565.12,"end":567.22,"sentiment":"neutral","sentiment_score":0.2659317957503455},{"text":"Yeah.","start":568.72,"end":569.055,"sentiment":"neutral","sentiment_score":0.178901806473732},{"text":"Okay.","start":569.375,"end":569.77496,"sentiment":"neutral","sentiment_score":0.3138367831707001},{"text":"Perfect.","start":569.77496,"end":570.27496,"sentiment":"positive","sentiment_score":0.5885920524597168},{"text":"So, Scott, it will take me about a week to put together this research for your super.","start":570.335,"end":575.395,"sentiment":"positive","sentiment_score":0.342411351554534}],"sentiment":"neutral","sentiment_score":0.32458689588087575,"num_words":27,"start":565.12,"end":575.395},{"sentences":[{"text":"Yeah.","start":576.335,"end":576.835,"sentiment":"neutral","sentiment_score":0.05886036902666092},{"text":"When is do you have some time at, like, the end of next week to go through this?","start":576.975,"end":584.115,"sentiment":"neutral","sentiment_score":0.06361591174370712},{"text":"Let me have a look here.","start":587.89,"end":589.51,"sentiment":"neutral","sentiment_score":0.042492433140675225},{"text":"Yeah.","start":592.52997,"end":593.02997,"sentiment":"neutral","sentiment_score":0.05156460031867027},{"text":"Now we'll be on the same time zone.","start":594.61,"end":598.425,"sentiment":"neutral","sentiment_score":0.03964214352890849}],"sentiment":"neutral","sentiment_score":0.05375303317080526,"num_words":34,"start":576.335,"end":598.425},{"sentences":[{"text":"Wait.","start":598.485,"end":598.725,"sentiment":"neutral","sentiment_score":0.016616608947515488},{"text":"Hold on.","start":598.725,"end":599.045,"sentiment":"neutral","sentiment_score":0.004219827242195606},{"text":"No.","start":599.045,"end":599.285,"sentiment":"neutral","sentiment_score":-0.01371131930500269},{"text":"Still half an hour.","start":599.285,"end":600.425,"sentiment":"neutral","sentiment_score":-0.0014626411721110348},{"text":"I can do Wednesday at 10:00 your time.","start":601.605,"end":610.105,"sentiment":"neutral","sentiment_score":0.02649313653819263}],"sentiment":"neutral","sentiment_score":0.013589966984000057,"num_words":16,"start":598.485,"end":610.105},{"sentences":[{"text":"Would that work?","start":611.44,"end":612.32,"sentiment":"neutral","sentiment_score":0.0966313307483991},{"text":"Okay.","start":612.32,"end":612.82,"sentiment":"neutral","sentiment_score":0.07539591938257217},{"text":"Perfect.","start":613.12,"end":613.62,"sentiment":"neutral","sentiment_score":0.31312623620033264},{"text":"So that is Wednesday, April 15 at 10AM your time.","start":614.08,"end":619.62,"sentiment":"neutral","sentiment_score":0.11752196922898292},{"text":"The conversation might take maybe twenty minutes or so, and I will also send you, yeah, perfect, an email with the documents that we can kind of go through at the time.","start":621.2,"end":630.185,"sentiment":"neutral","sentiment_score":0.29241666034795344}],"sentiment":"neutral","sentiment_score":0.23853125470749875,"num_words":47,"start":611.44,"end":630.185},{"sentences":[{"text":"I will get the team to send you those beneficiary forms, and then I'll let Kate know to keep a look at on the forms for the income protection claim as well.","start":631.125,"end":638.7,"sentiment":"neutral","sentiment_score":0.26937008649110794},{"text":"Yep.","start":639.18,"end":639.68,"sentiment":"neutral","sentiment_score":0.18462073802948},{"text":"Perfect.","start":640.54004,"end":641.04004,"sentiment":"positive","sentiment_score":0.6723666191101074},{"text":"What in what way do you mean?","start":650.22003,"end":651.92,"sentiment":"neutral","sentiment_score":0.017400565424135754},{"text":"Mhmm.","start":652.185,"end":652.685,"sentiment":"neutral","sentiment_score":0.06030125170946121}],"sentiment":"neutral","sentiment_score":0.22997465082222507,"num_words":42,"start":631.125,"end":652.685},{"sentences":[{"text":"Mhmm.","start":663.305,"end":663.385,"sentiment":"neutral","sentiment_score":-0.011871365830302238},{"text":"Yes and no.","start":663.385,"end":664.345,"sentiment":"neutral","sentiment_score":-0.09697290944556396},{"text":"My situation is a bit restrictive because my partner works in the industry, so I have limitations of what I'm allowed to do.","start":664.345,"end":672.22,"sentiment":"negative","sentiment_score":-0.4291758031948753},{"text":"So yes.","start":674.12,"end":675.18,"sentiment":"neutral","sentiment_score":-0.06122315861284733},{"text":"So do you know what?","start":675.24,"end":678.51996,"sentiment":"neutral","sentiment_score":0.08488082736730576}],"sentiment":"neutral","sentiment_score":-0.2903492867070086,"num_words":34,"start":663.305,"end":678.51996},{"sentences":[{"text":"So many times because, obviously, it's my job as well.","start":678.51996,"end":681.07996,"sentiment":"neutral","sentiment_score":-0.019701135251671074},{"text":"It's a little bit different, but there's so many times that I'm like, yeah, I would love to do this.","start":681.07996,"end":685.215,"sentiment":"neutral","sentiment_score":-0.03510010503232479},{"text":"I would love to do this, but I can't because restrictions on his occupation and obviously risk insider trading or anything like that.","start":685.215,"end":693.375,"sentiment":"neutral","sentiment_score":-0.19813763447429822},{"text":"So it's very type heavy of what I can do.","start":693.375,"end":695.695,"sentiment":"negative","sentiment_score":-0.4205549627542496},{"text":"So I look at so many things, and I'm like, oh my god.","start":695.695,"end":698.18,"sentiment":"neutral","sentiment_score":-0.23336548186265504}],"sentiment":"neutral","sentiment_score":-0.16704578865564576,"num_words":76,"start":678.51996,"end":698.18},{"sentences":[{"text":"I would love to do this, but I just can't cannot do it.","start":698.18,"end":701.24,"sentiment":"neutral","sentiment_score":-0.2502595346707564},{"text":"So so it's it's great because I get the information.","start":701.54,"end":705.8,"sentiment":"neutral","sentiment_score":0.017957564815878867},{"text":"I just I'm restricted of what I'm allowed to do.","start":706.26,"end":709.06,"sentiment":"neutral","sentiment_score":-0.1696905978024006},{"text":"Yeah.","start":709.06,"end":709.56,"sentiment":"neutral","sentiment_score":-0.13570737838745117},{"text":"Yeah.","start":714.515,"end":715.015,"sentiment":"neutral","sentiment_score":-0.07324041426181793}],"sentiment":"neutral","sentiment_score":-0.14227577352098056,"num_words":35,"start":698.18,"end":715.015},{"sentences":[{"text":"Yeah.","start":716.435,"end":716.935,"sentiment":"neutral","sentiment_score":-0.023862313479185104},{"text":"Yeah.","start":719.475,"end":719.975,"sentiment":"neutral","sentiment_score":-0.03529489040374756},{"text":"Yes.","start":728.52,"end":729.0,"sentiment":"neutral","sentiment_score":0.05296081677079201},{"text":"Yes.","start":729.0,"end":729.4,"sentiment":"neutral","sentiment_score":-0.0136842243373394},{"text":"I can say that I use Hub twenty four for my personal 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that.","start":739.065,"end":747.485,"sentiment":"neutral","sentiment_score":0.3001370681104837},{"text":"Yes.","start":750.905,"end":751.405,"sentiment":"neutral","sentiment_score":0.11143383383750916}],"sentiment":"neutral","sentiment_score":0.2406480871140957,"num_words":44,"start":733.08,"end":751.405},{"sentences":[{"text":"Yeah.","start":754.43,"end":754.93,"sentiment":"neutral","sentiment_score":0.06687824428081512},{"text":"Exactly.","start":755.55,"end":756.05,"sentiment":"neutral","sentiment_score":0.05936598777770996},{"text":"But then but then as well, because there is so much obviously, like, I'm I'm working for you, and my job is to put you in a better position.","start":756.51,"end":764.13,"sentiment":"neutral","sentiment_score":0.20464579427036747},{"text":"And because we're a holistic firm as well, it's like I whatever that might be is what I will recommend.","start":764.35004,"end":770.505,"sentiment":"neutral","sentiment_score":0.19370890446007252},{"text":"Like, I don't have to stick with one option.","start":770.505,"end":773.78503,"sentiment":"neutral","sentiment_score":0.0469282865524292}],"sentiment":"neutral","sentiment_score":0.17262508223454157,"num_words":60,"start":754.43,"end":773.78503},{"sentences":[{"text":"There is hundreds of different superannuations, insurances, investment choices.","start":773.78503,"end":777.885,"sentiment":"neutral","sentiment_score":0.03271396975550386},{"text":"So it's not like, you know, if you speak to an adviser at Host Plus or Australian Super or Macquarie, sometimes they're restricted to only make recommendations on their product, whereas we are not.","start":778.34503,"end":790.15,"sentiment":"neutral","sentiment_score":-0.0013589053140843615},{"text":"So yeah.","start":791.17004,"end":792.05,"sentiment":"neutral","sentiment_score":0.08865110017359257},{"text":"So it gives us so much more flexibility.","start":792.05,"end":793.91003,"sentiment":"neutral","sentiment_score":0.21458310075104237},{"text":"I mean, it also means that as well, like, things are always changing.","start":793.97003,"end":796.79004,"sentiment":"neutral","sentiment_score":0.16915951210718888}],"sentiment":"neutral","sentiment_score":0.06577672137681281,"num_words":66,"start":773.78503,"end":796.79004},{"sentences":[{"text":"So if, for example, we make a recommendation on, oh, this is what's going to put you in the best position now in, let's say, five years, maybe there's another product that's out there that's going to be better.","start":797.10504,"end":807.025,"sentiment":"neutral","sentiment_score":0.15752163601036256},{"text":"Cool.","start":807.025,"end":807.185,"sentiment":"neutral","sentiment_score":0.2779316306114197},{"text":"Then we can talk you to that.","start":807.185,"end":808.72504,"sentiment":"neutral","sentiment_score":0.2013734940971647},{"text":"Like, it gives us that flexibility to do.","start":809.185,"end":813.2,"sentiment":"neutral","sentiment_score":0.247957531362772},{"text":"Yeah.","start":814.94,"end":815.44,"sentiment":"neutral","sentiment_score":0.28268754482269287}],"sentiment":"neutral","sentiment_score":0.18030781588251038,"num_words":56,"start":797.10504,"end":815.44},{"sentences":[{"text":"Yeah.","start":815.5,"end":816.0,"sentiment":"neutral","sentiment_score":0.3199422359466553},{"text":"Perfect.","start":816.06,"end":816.56,"sentiment":"positive","sentiment_score":0.58396977186203},{"text":"No.","start":816.86,"end":817.1,"sentiment":"neutral","sentiment_score":0.2536086440086365},{"text":"That's okay, Scott.","start":817.1,"end":818.06,"sentiment":"neutral","sentiment_score":0.19563316305478415},{"text":"Do you have any other questions for me before I let you go otherwise?","start":818.06,"end":821.36,"sentiment":"neutral","sentiment_score":-0.007644179543214185}],"sentiment":"neutral","sentiment_score":0.08187008136883378,"num_words":20,"start":815.5,"end":821.36},{"sentences":[{"text":"No.","start":821.98,"end":822.48,"sentiment":"neutral","sentiment_score":-0.0876549482345581},{"text":"Oh, no problem at all, Scott.","start":824.32697,"end":825.68695,"sentiment":"positive","sentiment_score":0.659713884194692},{"text":"And I look forward to speaking with you next Wednesday at 10AM.","start":825.68695,"end":828.74695,"sentiment":"positive","sentiment_score":0.7026357501745224},{"text":"No worries.","start":830.56696,"end":831.2869,"sentiment":"positive","sentiment_score":0.49743393063545227},{"text":"Thanks.","start":831.2869,"end":831.7869,"sentiment":"positive","sentiment_score":0.6344074010848999}],"sentiment":"positive","sentiment_score":0.6332514827901666,"num_words":22,"start":821.98,"end":831.7869},{"sentences":[{"text":"Bye.","start":832.24695,"end":832.74695,"sentiment":"positive","sentiment_score":0.3525725305080414},{"text":"Bye.","start":833.44696,"end":833.94696,"sentiment":"neutral","sentiment_score":-0.11788992583751678}],"sentiment":"neutral","sentiment_score":0.1173413023352623,"num_words":2,"start":832.24695,"end":833.94696}]}}]},{"alternatives":[{"transcript":"Hello? Yes. It is. Yeah. Good. Thank you. Yourself? Yeah. Yep. Yeah. For sure. Definitely. Yep. Yeah. That's fine. Yep. Cool. Yep. Scott Russell Ware. First twelve eighty nine one six three in Avenue. Yeah. Yeah. So I've seen the doctor. I've got the doctor's all the forms gone all done there. I just gotta fill I just gotta fill in my part, and that's I'll I'll hopefully turn that off the yeah. This afternoon or tomorrow morning. Yeah. So she gave me minimum eight to twelve. So we're we're going we're going for the eight just to say well, it's six to twelve weeks. So we're beating that I bet in the middle and gone. Let's do eight and see how you go. If you're good, go back to work. If you're still still not good, yeah, a bit longer. So yeah. I'll say the less time being on income protection, the better because I've rather started going back to work. So yeah. For sure. Yeah. Yeah. I was yeah. If I got there, I was gonna fill out my my part and then, yeah, that's it. And I thought we should be able to send it off today or this afternoon or day or or tomorrow morning. So yeah. Sure. Yeah. Yeah. I had a look at BlackRock. Yeah. I had a look at all that stuff. It looks pretty good. Yeah. And probably the only question I had, I've seen some of my well, I did see it on social media, so I wasn't sure if it's true. But some doubt BlackRock wasn't that great. So but I think I'll give it give it a go and see what happens and yeah. I think I think I think it'd be pretty good, to be honest. Yeah. Yeah. Yeah. Yeah. I'm pretty I'm pretty happy with that. I think, yeah, because everything's going on there, it's probably good. That's when you sort of wanna start really pushing the envelope just to see if you can make a little bit extra while you can. Yeah. That's it. Yeah. Oh, and I I do have a step step son, but I don't know if that means I mean, anything. No. No. It's the my partner partner's kid. Yep. Yep. Yep. That's all good. Yep. That's all. Found it sounds very broken, doesn't it? It's frozen on a uke. Too funny. Is that can be a partner or okay. Oh, yeah. So, like, family, that would be how what immediate family, well, how would that work? Right. So oh, yeah. Yeah. Yep. Okay. I would have to can I can you can you is there any more information, like, you could send me so I can just have a read through and then make that decision? Yeah. I can print stuff off. Yeah. Yep. Yeah. Yeah. Would WiFi nominate my son as a nominee? How how would that work? Yeah. Yeah. Yep. Okay. Yeah. Okay. Yeah. Yeah. Cool. Yeah. Cool. Yeah. What are you thinking? Just call store a list. That's all. Yeah. That'd be fine. Yep. Yeah. That'd be fine. Yeah. Yeah. That's cool. Yeah. Cool. Yeah. Right. Do you do you find much information for yourself when you do this, like, all this research? Oh, like, obviously, you're researching other ways to benefit my suit. Do you find go, oh, well, that's pretty cool. I might use that on online. Do you do that? That's how that sucks. Even like, yes. I found something good. I'm gonna do that. Yeah. That was fucked. I was I just can't use it. That's yeah. That sucks. Because I was thinking of that, well, maybe wonder what is your thing about what they told me about BlackRock. I was like, I wonder if you do would do the same. Because I'm like, it's a big it's a big leap because, obviously, any little minor little thing you do now is gonna be a massive in ten years, it's gonna be huge. So yeah. Cool. Okay. Yeah. Yeah. Yeah. Yeah. Cool. Oh, it gives me, for sure, it gives me a lot more confidence now. Like, you're trying to sell a product and you're not using yourself. You're like, well, what am I doing? You know what I mean? K. Yeah. Yeah. Yeah. Oh, how good? Yeah. Yeah. Yeah. Cool. Yeah. Awesome. Cool. Thank you. Thanks for that. No. I think you yeah. You you answered them all. Awesome. Thank you very much. Yeah. Cool. Awesome. Cheers. See you later. 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Yes. It is. Yeah. Good.\n\nThank you. Yourself? Yeah. Yep. Yeah.\n\nFor sure. Definitely. Yep. Yeah. That's fine.\n\nYep. Cool. Yep. Scott Russell Ware. First twelve eighty nine one six three in Avenue.\n\nYeah. Yeah. So I've seen the doctor. I've got the doctor's all the forms gone all done there. I just gotta fill I just gotta fill in my part, and that's I'll I'll hopefully turn that off the yeah.\n\nThis afternoon or tomorrow morning. Yeah. So she gave me minimum eight to twelve. So we're we're going we're going for the eight just to say well, it's six to twelve weeks. So we're beating that I bet in the middle and gone.\n\nLet's do eight and see how you go. If you're good, go back to work. If you're still still not good, yeah, a bit longer. So yeah. I'll say the less time being on income protection, the better because I've rather started going back to work.\n\nSo yeah. For sure. Yeah. Yeah. I was yeah.\n\nIf I got there, I was gonna fill out my my part and then, yeah, that's it. And I thought we should be able to send it off today or this afternoon or day or or tomorrow morning. So yeah. Sure. Yeah.\n\nYeah. I had a look at BlackRock. Yeah. I had a look at all that stuff. It looks pretty good.\n\nYeah. And probably the only question I had, I've seen some of my well, I did see it on social media, so I wasn't sure if it's true. But some doubt BlackRock wasn't that great. So but I think I'll give it give it a go and see what happens and yeah. I think I think I think it'd be pretty good, to be honest.\n\nYeah. Yeah. Yeah. Yeah. I'm pretty I'm pretty happy with that.\n\nI think, yeah, because everything's going on there, it's probably good. That's when you sort of wanna start really pushing the envelope just to see if you can make a little bit extra while you can. Yeah. That's it. Yeah.\n\nOh, and I I do have a step step son, but I don't know if that means I mean, anything. No. No. It's the my partner partner's kid. Yep.\n\nYep. Yep. That's all good. Yep. That's all.\n\nFound it sounds very broken, doesn't it? It's frozen on a uke. Too funny. Is that can be a partner or okay. Oh, yeah.\n\nSo, like, family, that would be how what immediate family, well, how would that work? Right. So oh, yeah. Yeah. Yep.\n\nOkay. I would have to can I can you can you is there any more information, like, you could send me so I can just have a read through and then make that decision? Yeah. I can print stuff off. Yeah.\n\nYep. Yeah. Yeah. Would WiFi nominate my son as a nominee? How how would that work?\n\nYeah. Yeah. Yep. Okay. Yeah.\n\nOkay. Yeah. Yeah. Cool. Yeah.\n\nCool. Yeah. What are you thinking? Just call store a list. That's all.\n\nYeah. That'd be fine. Yep. Yeah. That'd be fine.\n\nYeah. Yeah. That's cool. Yeah. Cool.\n\nYeah. Right. Do you do you find much information for yourself when you do this, like, all this research? Oh, like, obviously, you're researching other ways to benefit my suit. Do you find go, oh, well, that's pretty cool.\n\nI might use that on online. Do you do that? That's how that sucks. Even like, yes. I found something good.\n\nI'm gonna do that. Yeah. That was fucked. I was I just can't use it. That's yeah.\n\nThat sucks. Because I was thinking of that, well, maybe wonder what is your thing about what they told me about BlackRock. I was like, I wonder if you do would do the same. Because I'm like, it's a big it's a big leap because, obviously, any little minor little thing you do now is gonna be a massive in ten years, it's gonna be huge. So yeah.\n\nCool. Okay. Yeah. Yeah. Yeah.\n\nYeah. Cool. Oh, it gives me, for sure, it gives me a lot more confidence now. Like, you're trying to sell a product and you're not using yourself. You're like, well, what am I doing?\n\nYou know what I mean? K. Yeah. Yeah. Yeah.\n\nOh, how good? Yeah. Yeah. Yeah. Cool.\n\nYeah. Awesome. Cool. Thank you. Thanks for that.\n\nNo. I think you yeah. You you answered them all. Awesome. Thank you very much.\n\nYeah. Cool. Awesome. Cheers. See you later.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.71999997,"end":1.22,"sentiment":"neutral","sentiment_score":0.028539985418319706},{"text":"Yes.","start":3.76,"end":4.08,"sentiment":"neutral","sentiment_score":0.14289599657058716},{"text":"It is.","start":4.08,"end":4.74,"sentiment":"neutral","sentiment_score":0.11772836744785309},{"text":"Yeah.","start":8.16,"end":8.48,"sentiment":"neutral","sentiment_score":0.22175076603889465},{"text":"Good.","start":8.48,"end":8.72,"sentiment":"positive","sentiment_score":0.5033761858940125}],"sentiment":"neutral","sentiment_score":0.18866994480292001,"num_words":6,"start":0.71999997,"end":8.72},{"sentences":[{"text":"Thank 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it gives me, for sure, it gives me a lot more confidence now.","start":745.78503,"end":750.26,"sentiment":"positive","sentiment_score":0.47613345299448284},{"text":"Like, you're trying to sell a product and you're not using yourself.","start":750.26,"end":752.89996,"sentiment":"neutral","sentiment_score":0.1338202984382709},{"text":"You're like, well, what am I doing?","start":752.89996,"end":755.08,"sentiment":"neutral","sentiment_score":0.0715479983815125}],"sentiment":"neutral","sentiment_score":0.268464202859572,"num_words":35,"start":744.66504,"end":755.08},{"sentences":[{"text":"You know what I mean?","start":755.22,"end":756.27997,"sentiment":"neutral","sentiment_score":0.05695047527551651},{"text":"K.","start":757.3,"end":757.8,"sentiment":"neutral","sentiment_score":0.045586153864860535},{"text":"Yeah.","start":777.325,"end":777.825,"sentiment":"neutral","sentiment_score":0.031217709183692932},{"text":"Yeah.","start":778.56,"end":779.06,"sentiment":"neutral","sentiment_score":0.02760948427021503},{"text":"Yeah.","start":789.60004,"end":790.10004,"sentiment":"neutral","sentiment_score":-0.023281969130039215}],"sentiment":"neutral","sentiment_score":0.04065375050736798,"num_words":9,"start":755.22,"end":790.10004},{"sentences":[{"text":"Oh, how good?","start":790.56,"end":791.52,"sentiment":"neutral","sentiment_score":0.07994165892402331},{"text":"Yeah.","start":791.52,"end":792.02,"sentiment":"neutral","sentiment_score":0.09538525342941284},{"text":"Yeah.","start":797.645,"end":798.145,"sentiment":"neutral","sentiment_score":0.04805406183004379},{"text":"Yeah.","start":813.12994,"end":813.29,"sentiment":"neutral","sentiment_score":0.1696733832359314},{"text":"Cool.","start":813.29,"end":813.76996,"sentiment":"neutral","sentiment_score":0.26519134640693665}],"sentiment":"neutral","sentiment_score":0.11687557452491351,"num_words":7,"start":790.56,"end":813.76996},{"sentences":[{"text":"Yeah.","start":813.76996,"end":814.26996,"sentiment":"neutral","sentiment_score":0.253265380859375},{"text":"Awesome.","start":814.41,"end":814.91,"sentiment":"positive","sentiment_score":0.4283156394958496},{"text":"Cool.","start":815.20996,"end":815.70996,"sentiment":"neutral","sentiment_score":0.330738365650177},{"text":"Thank you.","start":815.76996,"end":816.56995,"sentiment":"positive","sentiment_score":0.49711133539676666},{"text":"Thanks for that.","start":816.56995,"end":817.55,"sentiment":"neutral","sentiment_score":0.24658659100532532}],"sentiment":"positive","sentiment_score":0.34328772872686386,"num_words":8,"start":813.76996,"end":817.55},{"sentences":[{"text":"No.","start":820.97,"end":821.20996,"sentiment":"neutral","sentiment_score":-0.13471615314483645},{"text":"I think you yeah.","start":821.20996,"end":822.00995,"sentiment":"neutral","sentiment_score":0.009414712898433208},{"text":"You you answered them all.","start":822.00995,"end":823.20996,"sentiment":"neutral","sentiment_score":0.1832079768180847},{"text":"Awesome.","start":823.20996,"end":823.52997,"sentiment":"positive","sentiment_score":0.8003309369087219},{"text":"Thank you very much.","start":823.52997,"end":824.385,"sentiment":"positive","sentiment_score":0.8382649123668671}],"sentiment":"neutral","sentiment_score":0.33149154459436736,"num_words":15,"start":820.97,"end":824.385},{"sentences":[{"text":"Yeah.","start":828.865,"end":829.105,"sentiment":"positive","sentiment_score":0.44192442297935486},{"text":"Cool.","start":829.105,"end":829.425,"sentiment":"positive","sentiment_score":0.721712589263916},{"text":"Awesome.","start":829.425,"end":829.745,"sentiment":"positive","sentiment_score":0.8062537908554077},{"text":"Cheers.","start":829.745,"end":830.245,"sentiment":"positive","sentiment_score":0.7379550933837891},{"text":"See you later.","start":832.145,"end":832.705,"sentiment":"positive","sentiment_score":0.3624771734078725}],"sentiment":"positive","sentiment_score":0.5421824881008693,"num_words":7,"start":828.865,"end":832.705},{"sentences":[{"text":"Bye.","start":832.705,"end":833.205,"sentiment":"neutral","sentiment_score":0.1955450475215912}],"sentiment":"neutral","sentiment_score":0.1955450475215912,"num_words":1,"start":832.705,"end":833.205}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good morning. Is this Scott?\n\nChannel 1: Yes. It is.\n\nChannel 0: This is Veronica from OTC Financial. How are you?\n\nChannel 1: Yeah. Good. Thank you. Yourself?\n\nChannel 0: I'm good. Thanks. I had you booked in just for a quick catch up, really, just to kind of follow on from the conversation we had a little while ago in regards\n\nChannel 1: Yeah.\n\nChannel 0: to your\n\nChannel 1: Yep.\n\nChannel 0: super investment. Do you have a a couple of minutes to just kinda finish that off today?\n\nChannel 1: Yeah. For sure. Definitely.\n\nChannel 0: Yes.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Yeah. That's fine. Yep. Cool.\n\nChannel 0: Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?\n\nChannel 1: Yep. Scott Russell Ware. First twelve eighty nine one six three\n\nChannel 0: Yes.\n\nChannel 1: in Avenue.\n\nChannel 0: Yep. Perfect. Now before I kind of go into the super more, I do wanted to check as well. My colleague, Kaden, mentioned that he's kind of been in touch with you on potentially some IP claim.\n\nChannel 1: Yeah.\n\nChannel 0: How how\n\nChannel 1: Yeah.\n\nChannel 0: is that all going?\n\nChannel 1: So I've seen the doctor. I've got the doctor's all the forms gone all done there. I just gotta fill I just gotta fill in my part, and that's\n\nChannel 0: Mhmm. Okay.\n\nChannel 1: I'll I'll hopefully turn that off the yeah. This afternoon or tomorrow morning.\n\nChannel 0: Yeah. Perfect. No problem. And did the doctor say any kind of indication of, like, time frame and stuff like\n\nChannel 1: Yeah.\n\nChannel 0: that?\n\nChannel 1: So she gave me minimum eight to twelve. So we're\n\nChannel 0: Okay.\n\nChannel 1: we're going we're going for the eight\n\nChannel 0: Yep.\n\nChannel 1: just to say well, it's six to twelve weeks. So we're\n\nChannel 0: Yep.\n\nChannel 1: beating that I bet in the middle and gone. Let's do eight and see how\n\nChannel 0: Yep.\n\nChannel 1: you go. If you're good,\n\nChannel 0: Yep. Yep.\n\nChannel 1: go back to work. If you're still still not good, yeah,\n\nChannel 0: Yep.\n\nChannel 1: a bit longer.\n\nChannel 0: We'll\n\nChannel 1: So\n\nChannel 0: take it from there. Okay.\n\nChannel 1: yeah.\n\nChannel 0: Awesome.\n\nChannel 1: I'll say the less time being on income protection, the better because I've rather started going back to work.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Yeah. Yeah. For income. At least you do have a pretty good policy, and you only have the thirty day waiting period, which is good. You have one of the shortest\n\nChannel 1: yeah. For\n\nChannel 0: one.\n\nChannel 1: sure.\n\nChannel 0: So so that's good. So I'm glad I kind of underway. I will let Kaden know as well to kind of keep a lookout for those documents.\n\nChannel 1: Yeah. Yeah. I was yeah.\n\nChannel 0: Yeah.\n\nChannel 1: If I got there, I was gonna fill out my my part and then, yeah, that's it. And I thought we should be able to send it\n\nChannel 0: Yeah.\n\nChannel 1: off today or this\n\nChannel 0: Yeah.\n\nChannel 1: afternoon or day or or tomorrow morning.\n\nChannel 0: Great.\n\nChannel 1: So yeah.\n\nChannel 0: Perfect.\n\nChannel 1: Sure.\n\nChannel 0: That's good. So, essentially, obviously, aside from insurances, basically, what we were talking about is just kind of reviewing your superannuation, and it was mainly just that one investment we were looking at swapping out through something that's performing a little bit better. Now when we spoke last time, I kind of mentioned the concept of the the SMA that we've just launched with BlackRock. I\n\nChannel 1: Yeah.\n\nChannel 0: send you some information. Did you have a chance to read it? Or\n\nChannel 1: Yeah. I had a look at BlackRock. Yeah. I had a look at all that stuff. It looks pretty good.\n\nChannel 0: yeah.\n\nChannel 1: Yeah. And probably the only question I had, I've seen some of my well, I did see it on social media, so I wasn't sure if it's true. But\n\nChannel 0: Mhmm.\n\nChannel 1: some doubt BlackRock wasn't that great. So but I think I'll give it give it a go and see what happens and yeah.\n\nChannel 0: Okay. Okay.\n\nChannel 1: I\n\nChannel 0: So\n\nChannel 1: think I think I think it'd be pretty good, to be\n\nChannel 0: yeah.\n\nChannel 1: honest.\n\nChannel 0: And it's one of those things that we we have we've merged with them to come up with a portfolio. So what I have to do as well is I have to go away and do some research today because I need to make sure that as long as you obviously comfortable looking at it, I'm still looking at other options aside from BlackRock's SMA because I need to make sure that whatever I do recommend for you is going to put you in a better position. So I will\n\nChannel 1: Yeah.\n\nChannel 0: go and do the research. I will consider that as part of the research. And\n\nChannel 1: Yeah.\n\nChannel 0: if it turns out that the SMA is, you know, better performing and cheaper and lower volatility and stuff like that than your current position, then I might recommend it. I will go through it in a statement of advice with you anyway so you can actually see the returns and the fees and everything before we make a change.\n\nChannel 1: Yeah.\n\nChannel 0: Mhmm. So I will go and do that this rate. Now, Joe, I wanna just triple check as well that you are still comfortable with your high growth portfolio. We kind of touched on this last time given you do have plenty of time on your retirement. Are you still comfortable with the same risk allocation as what you currently have?\n\nChannel 1: Yeah. I'm pretty\n\nChannel 0: Yeah.\n\nChannel 1: I'm pretty happy with that.\n\nChannel 0: Pretty\n\nChannel 1: I think,\n\nChannel 0: happy\n\nChannel 1: yeah,\n\nChannel 0: with that.\n\nChannel 1: because\n\nChannel 0: Yeah.\n\nChannel 1: everything's going on there, it's probably good. That's when you\n\nChannel 0: Yeah.\n\nChannel 1: sort of wanna start really pushing the envelope just to see if you can make a little\n\nChannel 0: Yeah.\n\nChannel 1: bit extra while you can.\n\nChannel 0: Well well, things are a little bit down. Perfect. Now\n\nChannel 1: Yeah.\n\nChannel 0: I\n\nChannel 1: That's\n\nChannel 0: do\n\nChannel 1: it.\n\nChannel 0: I do quickly just wanna run through the fact find with you just to see if there's anything else that's changed that I need to factor in this in the research. Now, obviously, I have your employment situation. Now aside from that, I have your personal detail as you are in a partnership relationship and that you have one son who lives with a mom. Is that correct?\n\nChannel 1: Yeah. Oh, and I I\n\nChannel 0: Yep.\n\nChannel 1: do have a step step son, but I don't\n\nChannel 0: That's\n\nChannel 1: know if that\n\nChannel 0: fine.\n\nChannel 1: means I mean, anything.\n\nChannel 0: Is he relying on you financially, like, live\n\nChannel 1: No.\n\nChannel 0: with you?\n\nChannel 1: No. It's the\n\nChannel 0: No.\n\nChannel 1: my partner partner's\n\nChannel 0: Yeah.\n\nChannel 1: kid.\n\nChannel 0: No. No. That's all good. Otherwise, assets, I have investment property about 430,000.\n\nChannel 1: Yep.\n\nChannel 0: Loan about $2.20.\n\nChannel 1: Yep.\n\nChannel 0: Yep. A used by about 20,000 and a Land Cruiser at about 70,000.\n\nChannel 1: Yep. That's all good. Yep.\n\nChannel 0: Perfect. Any other assets?\n\nChannel 1: That's all.\n\nChannel 0: That's\n\nChannel 1: Found\n\nChannel 0: all good.\n\nChannel 1: it sounds very broken, doesn't it? It's frozen on a\n\nChannel 0: No.\n\nChannel 1: uke.\n\nChannel 0: We get all kinds of clients, don't you worry?\n\nChannel 1: Too funny.\n\nChannel 0: No. And, otherwise, estate planning wise, I do wanted to check with you here. So on your super and your insurances, we don't currently have a nomination. So that is if something were to happen to you. Who do you wanna nominate?\n\nDo you know?\n\nChannel 1: Is that can be a partner\n\nChannel 0: Yep. Can be there are there\n\nChannel 1: or\n\nChannel 0: can be a range of different people. There are tax consequences depending on who you nominate.\n\nChannel 1: okay.\n\nChannel 0: So if you wanna let me know who you are thinking, then I can let you know if that is a valid nomination and what their tax consequences would be.\n\nChannel 1: Oh, yeah. So, like, family, that would be how what immediate family, well, how would that work?\n\nChannel 0: So\n\nChannel 1: Right.\n\nChannel 0: if\n\nChannel 1: So\n\nChannel 0: it's a, yeah, so if it's a partner like a spouse, that is valid, then it will be completely tax free to them. If\n\nChannel 1: oh,\n\nChannel 0: it's\n\nChannel 1: yeah.\n\nChannel 0: if it's a child, then if it's 18, tax free, again, valid nomination. If it's overtaxed for sorry. If it's over 18, unless they're, you know, studying at uni or some disability in regards to it, otherwise, they can be taxed up through 32%, including the medical levy surcharge for any untax component\n\nChannel 1: Yeah.\n\nChannel 0: if they're over 18. Aside from that, if you were thinking, like, your mom or dad or sibling, then we would have to structure it a little bit differently, and they would have to pay tax on their component as well because\n\nChannel 1: Yep.\n\nChannel 0: they wouldn't\n\nChannel 1: Okay.\n\nChannel 0: be. So do you have any any idea of who you would like?\n\nChannel 1: I would have to can I can you can you is there\n\nChannel 0: Yeah.\n\nChannel 1: any more information, like, you could send me so I can just have a read through and then make that decision?\n\nChannel 0: Yeah. Yeah. So what we can do is we can email you the forms. Now do you have access to a printer, or do you prefer\n\nChannel 1: Yeah.\n\nChannel 0: post?\n\nChannel 1: I can print stuff off. Yeah.\n\nChannel 0: Print stuff? Okay. Cool.\n\nChannel 1: Yep.\n\nChannel 0: What I'll do is I'll get the team to email you your super and insurance form. It has a cover letter as well. And in that, I can get the team to just kind of include the link as well with some information of who's a valid nomination and what the tax implications might be as well, and then you can obviously take your time, have a read over it. If\n\nChannel 1: Yeah.\n\nChannel 0: you have any questions after that, you can always just let me know. Otherwise, just print it off,\n\nChannel 1: Yeah.\n\nChannel 0: sign it. It has\n\nChannel 1: Would\n\nChannel 0: to be a witness as well because you are making a legal nomination. And then when you return it to us, we can get that sorted with Hub twenty four and one pass for you. Yeah.\n\nChannel 1: WiFi nominate my son as a nominee? How how would that work?\n\nChannel 0: Is he under 18?\n\nChannel 1: Yeah. Yeah. Yep.\n\nChannel 0: Yeah. Then he would get everything. So he's valid and needs a 100% tax free to him at the moment because\n\nChannel 1: Okay.\n\nChannel 0: he's under 18. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Okay.\n\nChannel 0: if something were to happen, that is the, I guess, the most streamlined way\n\nChannel 1: Yeah.\n\nChannel 0: of doing it. And most people obviously, depends on their family situation. Obviously, partner or children is what most people, you know, go with. Again, depending on the situation, but it does make it the most streamlined way, ensuring that it goes to him if something were to happen. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Because\n\nChannel 1: Cool.\n\nChannel 0: he's under 18, it's tax free.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Okay. Perfect.\n\nChannel 1: Cool.\n\nChannel 0: So, Scott, it will take me about a week to put together this research for your super.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. When is do you have some time at, like, the end of next week to go through this?\n\nChannel 1: What are you thinking?\n\nChannel 0: Let me have a look here.\n\nChannel 1: Just call store a list. That's all.\n\nChannel 0: Yeah. Now we'll be on the same time zone. Wait. Hold on. No.\n\nStill half an hour. I can do Wednesday at 10:00 your time.\n\nChannel 1: Yeah. That'd be fine. Yep.\n\nChannel 0: Would that work? Okay.\n\nChannel 1: Yeah. That'd be fine.\n\nChannel 0: Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: So that is Wednesday, April 15 at 10AM your time. The conversation might take maybe twenty minutes or so, and\n\nChannel 1: Yeah.\n\nChannel 0: I will\n\nChannel 1: That's\n\nChannel 0: also\n\nChannel 1: cool.\n\nChannel 0: send you, yeah, perfect, an email with the documents that we can kind of go through at the time. I will get the team to send you those beneficiary forms, and then I'll let Kate know to keep a look at on the forms for the income protection claim as well. Yep.\n\nChannel 1: Yeah. Cool.\n\nChannel 0: Perfect.\n\nChannel 1: Yeah. Right. Do you do you find much information for yourself when you do this, like, all this research?\n\nChannel 0: What in what way do you mean?\n\nChannel 1: Oh,\n\nChannel 0: Mhmm.\n\nChannel 1: like, obviously, you're researching other ways to benefit my suit. Do you find go, oh, well, that's pretty cool. I might use that on online. Do you do that?\n\nChannel 0: Mhmm. Yes and no. My situation is a bit restrictive because my partner works in the industry, so I have limitations of what I'm allowed to do.\n\nChannel 1: That's how that sucks.\n\nChannel 0: So\n\nChannel 1: Even\n\nChannel 0: yes.\n\nChannel 1: like,\n\nChannel 0: So\n\nChannel 1: yes. I found something good. I'm gonna\n\nChannel 0: do\n\nChannel 1: do\n\nChannel 0: you know\n\nChannel 1: that.\n\nChannel 0: what? So many times because, obviously, it's my job as well. It's a little bit different, but there's so many times that I'm like, yeah, I would love to do this. I would love to do this, but I can't because restrictions on his occupation and obviously risk insider trading or anything like that. So it's very type heavy of what I can do.\n\nSo I look at so many things, and I'm like, oh my god. I would love to do this, but I just can't cannot do\n\nChannel 1: Yeah.\n\nChannel 0: it.\n\nChannel 1: That was\n\nChannel 0: So\n\nChannel 1: fucked.\n\nChannel 0: so it's\n\nChannel 1: I was\n\nChannel 0: it's great because I get the information. I just I'm restricted\n\nChannel 1: I just can't\n\nChannel 0: of\n\nChannel 1: use\n\nChannel 0: what\n\nChannel 1: it.\n\nChannel 0: I'm allowed\n\nChannel 1: That's\n\nChannel 0: to do. Yeah.\n\nChannel 1: yeah. That sucks. Because I was thinking of that, well, maybe wonder what is your thing about what\n\nChannel 0: Yeah.\n\nChannel 1: they told me about BlackRock. I was like,\n\nChannel 0: Yeah.\n\nChannel 1: I wonder if you do would do the same. Because\n\nChannel 0: Yeah.\n\nChannel 1: I'm like, it's a big it's a big leap because, obviously, any little minor little thing you do now is gonna be a massive in ten years, it's gonna be huge.\n\nChannel 0: Yes. Yes.\n\nChannel 1: So\n\nChannel 0: I can say that I use Hub twenty four for my personal super.\n\nChannel 1: yeah.\n\nChannel 0: I\n\nChannel 1: Cool.\n\nChannel 0: do.\n\nChannel 1: Okay. Yeah.\n\nChannel 0: Sorry. Obviously, looking at the different platforms, they are one of the most competitive. I will\n\nChannel 1: Yeah.\n\nChannel 0: obviously still consider it, but\n\nChannel 1: Yeah.\n\nChannel 0: they are very good in terms of the investment flexibility and choices\n\nChannel 1: Yeah. Cool.\n\nChannel 0: and fees\n\nChannel 1: Oh,\n\nChannel 0: and\n\nChannel 1: it\n\nChannel 0: stuff,\n\nChannel 1: gives\n\nChannel 0: so\n\nChannel 1: me,\n\nChannel 0: I use that.\n\nChannel 1: for sure, it gives me a lot more confidence now. Like, you're trying\n\nChannel 0: Yes.\n\nChannel 1: to sell a product and you're not using yourself. You're like, well, what am\n\nChannel 0: Yeah.\n\nChannel 1: I doing? You know\n\nChannel 0: Exactly.\n\nChannel 1: what I mean?\n\nChannel 0: But then but then as\n\nChannel 1: K.\n\nChannel 0: well, because there is so much obviously, like, I'm I'm working for you, and my job is to put you in a better position. And because we're a holistic firm as well, it's like I whatever that might be is what I will recommend. Like, I don't have to stick with one option. There is hundreds of different superannuations, insurances, investment\n\nChannel 1: Yeah.\n\nChannel 0: choices. So\n\nChannel 1: Yeah.\n\nChannel 0: it's not like, you know, if you speak to an adviser at Host Plus or Australian Super or Macquarie, sometimes they're restricted to only make recommendations on their product, whereas we are\n\nChannel 1: Yeah.\n\nChannel 0: not.\n\nChannel 1: Oh, how good?\n\nChannel 0: So\n\nChannel 1: Yeah.\n\nChannel 0: yeah. So it gives us so much more flexibility. I mean, it also means that as well, like, things are always changing. So if, for\n\nChannel 1: Yeah.\n\nChannel 0: example, we make a recommendation on, oh, this is what's going to put you in the best position now in, let's say, five years, maybe there's another product that's out there that's going to be better. Cool. Then we can talk you to that. Like, it gives us that flexibility to do.\n\nChannel 1: Yeah. Cool. Yeah. Awesome.\n\nChannel 0: Yeah.\n\nChannel 1: Cool.\n\nChannel 0: Yeah.\n\nChannel 1: Thank\n\nChannel 0: Perfect.\n\nChannel 1: you. Thanks\n\nChannel 0: No.\n\nChannel 1: for that.\n\nChannel 0: That's okay, Scott. Do you have any other questions for me before I let you go otherwise?\n\nChannel 1: No. I think you yeah.\n\nChannel 0: No.\n\nChannel 1: You you answered them all. Awesome. Thank you very much.\n\nChannel 0: Oh, no problem at all, Scott. And I look forward to speaking with you next Wednesday at 10AM.\n\nChannel 1: Yeah. Cool. Awesome. Cheers.\n\nChannel 0: No worries. Thanks.\n\nChannel 1: See\n\nChannel 0: Bye.\n\nChannel 1: you later. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.71999997,"end":1.22,"sentiment":"neutral","sentiment_score":0.028539985418319706}],"sentiment":"neutral","sentiment_score":0.028539985418319706,"channel":1,"num_words":1,"start":0.71999997,"end":1.22},{"sentences":[{"text":"Good morning.","start":2.0,"end":2.48,"sentiment":"neutral","sentiment_score":0.25050485134124756},{"text":"Is this Scott?","start":2.48,"end":3.3799999,"sentiment":"neutral","sentiment_score":0.12736614793539047}],"sentiment":"neutral","sentiment_score":0.1766216292977333,"channel":0,"num_words":5,"start":2.0,"end":3.3799999},{"sentences":[{"text":"Yes.","start":3.76,"end":4.08,"sentiment":"neutral","sentiment_score":0.14289599657058716},{"text":"It is.","start":4.08,"end":4.74,"sentiment":"neutral","sentiment_score":0.11772836744785309}],"sentiment":"neutral","sentiment_score":0.12611757715543112,"channel":1,"num_words":3,"start":3.76,"end":4.74},{"sentences":[{"text":"This is Veronica from OTC Financial.","start":5.04,"end":7.2,"sentiment":"neutral","sentiment_score":0.12313764914870262},{"text":"How are you?","start":7.2,"end":8.02,"sentiment":"neutral","sentiment_score":0.12031562626361847}],"sentiment":"neutral","sentiment_score":0.12219697485367458,"channel":0,"num_words":9,"start":5.04,"end":8.02},{"sentences":[{"text":"Yeah.","start":8.16,"end":8.48,"sentiment":"neutral","sentiment_score":0.22175076603889465},{"text":"Good.","start":8.48,"end":8.72,"sentiment":"positive","sentiment_score":0.5033761858940125},{"text":"Thank you.","start":8.72,"end":9.2,"sentiment":"positive","sentiment_score":0.5598283112049103},{"text":"Yourself?","start":9.2,"end":9.7,"sentiment":"positive","sentiment_score":0.3755505084991455}],"sentiment":"positive","sentiment_score":0.44406681656837466,"channel":1,"num_words":5,"start":8.16,"end":9.7},{"sentences":[{"text":"I'm good.","start":10.16,"end":10.96,"sentiment":"positive","sentiment_score":0.5844376385211945},{"text":"Thanks.","start":10.96,"end":11.46,"sentiment":"positive","sentiment_score":0.5913592576980591},{"text":"I had you booked in just for a quick catch up, really, just to kind of follow on from the conversation we had a little while ago in regards","start":12.415,"end":20.015,"sentiment":"neutral","sentiment_score":0.14445290354819135}],"sentiment":"neutral","sentiment_score":0.1859177730511874,"channel":0,"num_words":32,"start":10.16,"end":20.015},{"sentences":[{"text":"Yeah.","start":19.875,"end":20.275,"sentiment":"neutral","sentiment_score":0.13504940271377563}],"sentiment":"neutral","sentiment_score":0.13504940271377563,"channel":1,"num_words":1,"start":19.875,"end":20.275},{"sentences":[{"text":"to your","start":20.015,"end":20.575,"sentiment":"neutral","sentiment_score":0.13989466428756714}],"sentiment":"neutral","sentiment_score":0.13989466428756714,"channel":0,"num_words":2,"start":20.015,"end":20.575},{"sentences":[{"text":"Yep.","start":20.275,"end":20.775,"sentiment":"neutral","sentiment_score":0.15066318213939667}],"sentiment":"neutral","sentiment_score":0.15066318213939667,"channel":1,"num_words":1,"start":20.275,"end":20.775},{"sentences":[{"text":"super investment.","start":20.575,"end":21.395,"sentiment":"neutral","sentiment_score":0.19379837810993195},{"text":"Do you have a a couple of minutes to just kinda finish that off 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They discuss his risk allocation and retirement plans, personal details, and tax consequences. The representative emphasizes the importance of researching his portfolio holistically and offers to send forms to him. The customer is encouraged to have confidence in his investment flexibility and choices. The call ends with the customer expressing gratitude and saying goodbye."},"intents":{"segments":[{"text":"This is Veronica from OTC Financial. How are you? Yeah.","start_word":9,"end_word":18,"intents":[{"intent":"Identify self","confidence_score":0.00034932935}]},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Yep.","start_word":118,"end_word":144,"intents":[{"intent":"Confirm identity","confidence_score":0.74794686},{"intent":"Confirm personal information","confidence_score":0.0026750402},{"intent":"Confirm contact person","confidence_score":0.0015796816},{"intent":"Confirm person's name","confidence_score":0.00077708875},{"intent":"Confirm information","confidence_score":0.0035672863}]},{"text":"My colleague, Kaden, mentioned that he's kind of been in touch with you on potentially some IP claim. Yeah. How how Yeah.","start_word":177,"end_word":198,"intents":[{"intent":"Check coworker's contact","confidence_score":0.0056219813}]},{"text":"So I've seen the doctor. I've got the doctor's all the forms gone all done there. I just gotta fill I just gotta fill in my part, and that's Mhmm. Okay.","start_word":203,"end_word":233,"intents":[{"intent":"Check doctor","confidence_score":0.0029441398}]},{"text":"I'll I'll hopefully turn that off the yeah. This afternoon or tomorrow morning. Yeah.","start_word":234,"end_word":247,"intents":[{"intent":"Check appointment time","confidence_score":0.0032262865}]},{"text":"beating that I bet in the middle and gone. Let's do eight and see how Yep.","start_word":300,"end_word":315,"intents":[{"intent":"End call","confidence_score":0.0007582373},{"intent":"End call","confidence_score":0.025444066},{"intent":"End call","confidence_score":0.0323958}]},{"text":"So, essentially, obviously, aside from insurances, basically, what we were talking about is just kind of reviewing your superannuation, and it was mainly just that one investment we were looking at swapping out through something that's performing a little bit better.","start_word":483,"end_word":523,"intents":[{"intent":"Review superannuation","confidence_score":0.10666821}]},{"text":"Now when we spoke last time, I kind of mentioned the concept of the the SMA that we've just launched with BlackRock. I Yeah.","start_word":524,"end_word":547,"intents":[{"intent":"Discuss blackrock","confidence_score":0.071028754}]},{"text":"So what I have to do as well is I have to go away and do some research today because I need to make sure that as long as you obviously comfortable looking at it, I'm still looking at other options aside from BlackRock's SMA because I need to make sure that whatever I do recommend for you is going to put you in a better position.","start_word":672,"end_word":738,"intents":[{"intent":"Research options","confidence_score":0.012186907}]},{"text":"So what I have to do as well is I have to go away and do some research today because I need to make sure that as long as you obviously comfortable looking at it, I'm still looking at other options aside from BlackRock's SMA because I need to make sure that whatever I do recommend for you is going to put you in a better position. So I will Yeah.","start_word":672,"end_word":742,"intents":[{"intent":"Explore options","confidence_score":0.00974904}]},{"text":"Now, Joe, I wanna just triple check as well that you are still comfortable with your high growth portfolio. We kind of touched on this last time given you do have plenty of time on your retirement. Are you still comfortable with the same risk allocation as what you currently have? Yeah.","start_word":830,"end_word":881,"intents":[{"intent":"Determine comfort","confidence_score":0.010724784}]},{"text":"Are you still comfortable with the same risk allocation as what you currently have? Yeah.","start_word":867,"end_word":881,"intents":[{"intent":"Evaluate risk allocation","confidence_score":0.013395335}]},{"text":"sort of wanna start really pushing the envelope just to see if you can make a little Yeah.","start_word":910,"end_word":927,"intents":[{"intent":"Push the envelope","confidence_score":0.11036428}]},{"text":"I do quickly just wanna run through the fact find with you just to see if there's anything else that's changed that I need to factor in this in the research.","start_word":949,"end_word":979,"intents":[{"intent":"Fact find","confidence_score":0.42749903},{"intent":"Check facts","confidence_score":0.005648603}]},{"text":"Now aside from that, I have your personal detail as you are in a partnership relationship and that you have one son who lives with a mom. Is that correct? Yeah.","start_word":986,"end_word":1016,"intents":[{"intent":"Discuss personal details","confidence_score":0.0738029},{"intent":"Confirm personal details","confidence_score":0.024403865},{"intent":"Confirm personal details","confidence_score":0.022447016}]},{"text":"Is he relying on you financially, like, live No. with you?","start_word":1040,"end_word":1050,"intents":[{"intent":"Inquire about spouse's financial situation","confidence_score":0.0020375743},{"intent":"Discuss financial situation","confidence_score":0.072902426}]},{"text":"with you?","start_word":1049,"end_word":1050,"intents":[{"intent":"Determine spouse eligibility","confidence_score":0.00043836015}]},{"text":"Otherwise, assets, I have investment property about 430,000.","start_word":1065,"end_word":1072,"intents":[{"intent":"Discuss portfolios","confidence_score":0.007026549}]},{"text":"And, otherwise, estate planning wise, I do wanted to check with you here.","start_word":1130,"end_word":1142,"intents":[{"intent":"Discuss estate planning","confidence_score":0.10295169}]},{"text":"There are tax consequences depending on who you nominate.","start_word":1194,"end_word":1202,"intents":[{"intent":"Evaluate tax consequences","confidence_score":0.013630557}]},{"text":"So, like, family, that would be how what immediate family, well, how would that work? So Right.","start_word":1236,"end_word":1252,"intents":[{"intent":"Discuss immediate family reassurance","confidence_score":0.000030663017},{"intent":"Recommend family reassurance","confidence_score":0.00058992364}]},{"text":"if So it's a, yeah, so if it's a partner like a spouse, that is valid, then it will be completely tax free to them.","start_word":1254,"end_word":1278,"intents":[{"intent":"Discuss valid nomination","confidence_score":0.00044294356}]},{"text":"So do you have any any idea of who you would like?","start_word":1383,"end_word":1394,"intents":[{"intent":"Determine eligibility","confidence_score":0.024885619}]},{"text":"So what we can do is we can email you the forms. Now do you have access to a printer, or do you prefer Yeah. post?","start_word":1431,"end_word":1456,"intents":[{"intent":"Send forms","confidence_score":0.3224459}]},{"text":"What I'll do is I'll get the team to email you your super and insurance form. It has a cover letter as well. And in that, I can get the team to just kind of include the link as well with some information of who's a valid nomination and what the tax implications might be as well, and then you can obviously take your time, have a read over it. If Yeah.","start_word":1468,"end_word":1539,"intents":[{"intent":"Include link","confidence_score":0.23801696}]},{"text":"It has Would to be a witness as well because you are making a legal nomination.","start_word":1561,"end_word":1576,"intents":[{"intent":"Add witness","confidence_score":0.0039445404}]},{"text":"Let me have a look here. Just call store a list. That's all. Yeah.","start_word":1768,"end_word":1781,"intents":[{"intent":"Ask for assistance","confidence_score":0.00003291949}]},{"text":"Do you do you find much information for yourself when you do this, like, all this research? What in what way do you mean?","start_word":1904,"end_word":1927,"intents":[{"intent":"Find","confidence_score":0.0009682082},{"intent":"Use information","confidence_score":0.4300827}]},{"text":"Do you do you find much information for yourself when you do this, like, all this research? What in what way do you mean? Oh, Mhmm. like, obviously, you're researching other ways to benefit my suit. Do you find go, oh, well, that's pretty cool. I might use that on online. Do you do that?","start_word":1904,"end_word":1958,"intents":[{"intent":"Explore possibilities","confidence_score":0.01677568}]},{"text":"My situation is a bit restrictive because my partner works in the industry, so I have limitations of what I'm allowed to do. That's how that sucks. So Even yes.","start_word":1963,"end_word":1992,"intents":[{"intent":"Work in industry","confidence_score":0.0023463652}]},{"text":"they told me about BlackRock. I was like, Yeah. I wonder if you do would do the same. Because Yeah. I'm like, it's a big it's a big leap because, obviously, any little minor little thing you do now is gonna be a massive in ten years, it's gonna be huge. Yes. Yes.","start_word":2149,"end_word":2201,"intents":[{"intent":"Explore future","confidence_score":0.008070153}]},{"text":"are very good in terms of the investment flexibility and choices Yeah.","start_word":2246,"end_word":2257,"intents":[{"intent":"Discuss options and preference","confidence_score":0.000009396341}]}]},"sentiments":{"segments":[{"text":"Hello? Good morning. Is this Scott? Yes. It is. This is Veronica from OTC Financial. How are you? Yeah.","start_word":0,"end_word":18,"sentiment":"neutral","sentiment_score":0.1360344439744949},{"text":"Good. Thank you. Yourself? I'm good. Thanks.","start_word":19,"end_word":25,"sentiment":"positive","sentiment_score":0.5229614973068237},{"text":"I had you booked in just for a quick catch up, really, just to kind of follow on from the conversation we had a little while ago in regards Yeah. to your Yep. super investment. Do you have a a couple of minutes to just kinda finish that off today? Yeah. For sure. Definitely. Yes. Yep.","start_word":26,"end_word":81,"sentiment":"neutral","sentiment_score":0.13490110635757446},{"text":"Perfect.","start_word":82,"end_word":82,"sentiment":"positive","sentiment_score":0.35910505056381226},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yeah. That's fine. Yep.","start_word":83,"end_word":115,"sentiment":"neutral","sentiment_score":0.06540017575025558},{"text":"Cool.","start_word":116,"end_word":116,"sentiment":"positive","sentiment_score":0.3639151453971863},{"text":"Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Yep. Scott Russell Ware. First twelve eighty nine one six three Yes. in Avenue. Yep.","start_word":117,"end_word":158,"sentiment":"neutral","sentiment_score":0.07493233680725098},{"text":"Perfect.","start_word":159,"end_word":159,"sentiment":"positive","sentiment_score":0.3419405519962311},{"text":"Now before I kind of go into the super more, I do wanted to check as well. My colleague, Kaden, mentioned that he's kind of been in touch with you on potentially some IP claim. Yeah. How how Yeah. is that all going? So I've seen the doctor. I've got the doctor's all the forms gone all done there. I just gotta fill I just gotta fill in my part, and that's Mhmm. Okay. I'll I'll hopefully turn that off the yeah. This afternoon or tomorrow morning. Yeah. Perfect. No problem. And did the doctor say any kind of indication of, like, time frame and stuff like Yeah. that? So she gave me minimum eight to twelve. So we're Okay. we're going we're going for the eight Yep. just to say well, it's six to twelve weeks. So we're Yep. beating that I bet in the middle and gone. Let's do eight and see how Yep. you go. If you're good, Yep. Yep. go back to work. If you're still still not good, Yep. yeah, a bit longer. We'll So take it from there. Okay. yeah.","start_word":160,"end_word":345,"sentiment":"neutral","sentiment_score":0.020367887381824754},{"text":"Awesome.","start_word":346,"end_word":346,"sentiment":"positive","sentiment_score":0.5601211786270142},{"text":"I'll say the less time being on income protection, the better because I've rather started going back to work. Yeah. So Yeah. Yeah. For income.","start_word":347,"end_word":371,"sentiment":"neutral","sentiment_score":0.12386127561330797},{"text":"At least you do have a pretty good policy, and you only have the thirty day waiting period, which is good.","start_word":372,"end_word":392,"sentiment":"positive","sentiment_score":0.36329367756843567},{"text":"You have one of the shortest yeah. For one. sure.","start_word":393,"end_word":402,"sentiment":"neutral","sentiment_score":0.24401815235614777},{"text":"So so that's good. So I'm glad I kind of underway.","start_word":403,"end_word":413,"sentiment":"positive","sentiment_score":0.6237806677818298},{"text":"I will let Kaden know as well to kind of keep a lookout for those documents. Yeah. Yeah. I was yeah. Yeah. If I got there, I was gonna fill out my my part and then, yeah, that's it. And I thought we should be able to send it Yeah. off today or this Yeah. afternoon or day or or tomorrow morning.","start_word":414,"end_word":475,"sentiment":"neutral","sentiment_score":0.1276906281709671},{"text":"Great. So yeah. Perfect. Sure. That's good.","start_word":476,"end_word":482,"sentiment":"positive","sentiment_score":0.44745200872421265},{"text":"So, essentially, obviously, aside from insurances, basically, what we were talking about is just kind of reviewing your superannuation, and it was mainly just that one investment we were looking at swapping out through something that's performing a little bit better. Now when we spoke last time, I kind of mentioned the concept of the the SMA that we've just launched with BlackRock. I Yeah. send you some information. Did you have a chance to read it? Or Yeah. I had a look at BlackRock. Yeah. I had a look at all that stuff.","start_word":483,"end_word":576,"sentiment":"neutral","sentiment_score":0.07728008925914764},{"text":"It looks pretty good.","start_word":577,"end_word":580,"sentiment":"positive","sentiment_score":0.3576606810092926},{"text":"yeah. Yeah. And probably the only question I had, I've seen some of my well, I did see it on social media, so I wasn't sure if it's true. But Mhmm. some doubt BlackRock wasn't that great. So but I think I'll give it give it a go and see what happens and yeah. Okay. Okay.","start_word":581,"end_word":636,"sentiment":"neutral","sentiment_score":0.0034604922735265325},{"text":"I So think I think I think it'd be pretty good, to be yeah.","start_word":637,"end_word":650,"sentiment":"positive","sentiment_score":0.4061540067195892},{"text":"honest. And it's one of those things that we we have we've merged with them to come up with a portfolio. So what I have to do as well is I have to go away and do some research today because I need to make sure that as long as you obviously comfortable looking at it, I'm still looking at other options aside from BlackRock's SMA because I need to make sure that whatever I do recommend for you is going to put you in a better position. So I will Yeah. go and do the research. I will consider that as part of the research. And Yeah. if it turns out that the SMA is, you know, better performing and cheaper and lower volatility and stuff like that than your current position, then I might recommend it. I will go through it in a statement of advice with you anyway so you can actually see the returns and the fees and everything before we make a change. Yeah. Mhmm. So I will go and do that this rate. Now, Joe, I wanna just triple check as well that you are still comfortable with your high growth portfolio. We kind of touched on this last time given you do have plenty of time on your retirement. Are you still comfortable with the same risk allocation as what you currently have? Yeah. I'm pretty Yeah.","start_word":651,"end_word":884,"sentiment":"neutral","sentiment_score":0.1647031009197235},{"text":"I'm pretty happy with that. Pretty I think, happy yeah, with that. because Yeah. everything's going on there, it's probably good.","start_word":885,"end_word":905,"sentiment":"positive","sentiment_score":0.6002140045166016},{"text":"That's when you Yeah. sort of wanna start really pushing the envelope just to see if you can make a little Yeah. bit extra while you can. Well well, things are a little bit down.","start_word":906,"end_word":940,"sentiment":"neutral","sentiment_score":0.04162013530731201},{"text":"Perfect.","start_word":941,"end_word":941,"sentiment":"positive","sentiment_score":0.4083709418773651},{"text":"Now Yeah. I That's do it. I do quickly just wanna run through the fact find with you just to see if there's anything else that's changed that I need to factor in this in the research. Now, obviously, I have your employment situation. Now aside from that, I have your personal detail as you are in a partnership relationship and that you have one son who lives with a mom. Is that correct? Yeah. Oh, and I I Yep. do have a step step son, but I don't That's know if that fine. means I mean, anything. Is he relying on you financially, like, live No. with you? No. It's the No. my partner partner's Yeah. kid. No. No. That's all good. Otherwise, assets, I have investment property about 430,000. Yep. Loan about $2.20. Yep. Yep. A used by about 20,000 and a Land Cruiser at about 70,000. Yep.","start_word":942,"end_word":1091,"sentiment":"neutral","sentiment_score":0.03834651112556457},{"text":"That's all good.","start_word":1092,"end_word":1094,"sentiment":"positive","sentiment_score":0.3721081912517547},{"text":"Yep.","start_word":1095,"end_word":1095,"sentiment":"neutral","sentiment_score":0.21523785591125488},{"text":"Perfect.","start_word":1096,"end_word":1096,"sentiment":"positive","sentiment_score":0.337024450302124},{"text":"Any other assets? That's all. That's Found all good.","start_word":1097,"end_word":1105,"sentiment":"neutral","sentiment_score":0.17595727741718292},{"text":"it sounds very broken, doesn't it?","start_word":1106,"end_word":1111,"sentiment":"negative","sentiment_score":-0.3910374343395233},{"text":"It's frozen on a No. uke. We get all kinds of clients, don't you worry? Too funny. No. And, otherwise, estate planning wise, I do wanted to check with you here. So on your super and your insurances, we don't currently have a nomination. So that is if something were to happen to you. Who do you wanna nominate? Do you know? Is that can be a partner Yep. Can be there are there or can be a range of different people. There are tax consequences depending on who you nominate. okay. So if you wanna let me know who you are thinking, then I can let you know if that is a valid nomination and what their tax consequences would be. Oh, yeah. So, like, family, that would be how what immediate family, well, how would that work? So Right. if So it's a, yeah, so if it's a partner like a spouse, that is valid, then it will be completely tax free to them. If oh, it's yeah. if it's a child, then if it's 18, tax free, again, valid nomination. If it's overtaxed for sorry. If it's over 18, unless they're, you know, studying at uni or some disability in regards to it, otherwise, they can be taxed up through 32%, including the medical levy surcharge for any untax component Yeah. if they're over 18. Aside from that, if you were thinking, like, your mom or dad or sibling, then we would have to structure it a little bit differently, and they would have to pay tax on their component as well because Yep. they wouldn't Okay. be. So do you have any any idea of who you would like? I would have to can I can you can you is there Yeah. any more information, like, you could send me so I can just have a read through and then make that decision? Yeah. Yeah. So what we can do is we can email you the forms. Now do you have access to a printer, or do you prefer Yeah. post? I can print stuff off. Yeah. Print stuff? Okay. Cool. Yep. What I'll do is I'll get the team to email you your super and insurance form. It has a cover letter as well. And in that, I can get the team to just kind of include the link as well with some information of who's a valid nomination and what the tax implications might be as well, and then you can obviously take your time, have a read over it. If Yeah. you have any questions after that, you can always just let me know. Otherwise, just print it off, Yeah. sign it. It has Would to be a witness as well because you are making a legal nomination. And then when you return it to us, we can get that sorted with Hub twenty four and one pass for you. Yeah. WiFi nominate my son as a nominee? How how would that work? Is he under 18? Yeah. Yeah. Yep. Yeah. Then he would get everything. So he's valid and needs a 100% tax free to him at the moment because Okay. he's under 18. Yeah. Yeah. So Okay. if something were to happen, that is the, I guess, the most streamlined way Yeah. of doing it. And most people obviously, depends on their family situation. Obviously, partner or children is what most people, you know, go with. Again, depending on the situation, but it does make it the most streamlined way, ensuring that it goes to him if something were to happen. Yeah. Yeah. Because Cool. he's under 18, it's tax free. Yeah. Yeah. Okay.","start_word":1112,"end_word":1724,"sentiment":"neutral","sentiment_score":0.05672969776669101},{"text":"Perfect. Cool. So, Scott, it will take me about a week to put together this research for your super.","start_word":1725,"end_word":1743,"sentiment":"positive","sentiment_score":0.3797221779823303},{"text":"Yeah. Yeah. When is do you have some time at, like, the end of next week to go through this? What are you thinking? Let me have a look here. Just call store a list. That's all. Yeah. Now we'll be on the same time zone. Wait. Hold on. No. Still half an hour. I can do Wednesday at 10:00 your time. Yeah. That'd be fine. Yep. Would that work? Okay. Yeah. That'd be fine. Perfect. Yeah. So that is Wednesday, April 15 at 10AM your time. The conversation might take maybe twenty minutes or so, and Yeah.","start_word":1744,"end_word":1841,"sentiment":"neutral","sentiment_score":0.07278095185756683},{"text":"I will That's also cool. send you, yeah, perfect, an email with the documents that we can kind of go through at the time.","start_word":1842,"end_word":1865,"sentiment":"positive","sentiment_score":0.39612051844596863},{"text":"I will get the team to send you those beneficiary forms, and then I'll let Kate know to keep a look at on the forms for the income protection claim as well. Yep. Yeah.","start_word":1866,"end_word":1899,"sentiment":"neutral","sentiment_score":0.26362547278404236},{"text":"Cool. Perfect.","start_word":1900,"end_word":1901,"sentiment":"positive","sentiment_score":0.5315882116556168},{"text":"Yeah. Right. Do you do you find much information for yourself when you do this, like, all this research? What in what way do you mean? Oh, Mhmm. like, obviously, you're researching other ways to benefit my suit.","start_word":1902,"end_word":1939,"sentiment":"neutral","sentiment_score":0.10473667830228806},{"text":"Do you find go, oh, well, that's pretty cool.","start_word":1940,"end_word":1948,"sentiment":"positive","sentiment_score":0.41268083453178406},{"text":"I might use that on online. Do you do that? Mhmm. Yes and no.","start_word":1949,"end_word":1962,"sentiment":"neutral","sentiment_score":0.05283677577972412},{"text":"My situation is a bit restrictive because my partner works in the industry, so I have limitations of what I'm allowed to do. That's how that sucks.","start_word":1963,"end_word":1989,"sentiment":"negative","sentiment_score":-0.48862147331237793},{"text":"So Even yes. like, So yes. I found something good. I'm gonna do do you know that. what? So many times because, obviously, it's my job as well. It's a little bit different, but there's so many times that I'm like, yeah, I would love to do this. I would love to do this, but I can't because restrictions on his occupation and obviously risk insider trading or anything like that.","start_word":1990,"end_word":2060,"sentiment":"neutral","sentiment_score":-0.039243441075086594},{"text":"So it's very type heavy of what I can do.","start_word":2061,"end_word":2070,"sentiment":"negative","sentiment_score":-0.4170132279396057},{"text":"So I look at so many things, and I'm like, oh my god. I would love to do this, but I just can't cannot do Yeah. it.","start_word":2071,"end_word":2097,"sentiment":"neutral","sentiment_score":-0.2422410547733307},{"text":"That was So fucked.","start_word":2098,"end_word":2101,"sentiment":"negative","sentiment_score":-0.5560593605041504},{"text":"so it's I was it's great because I get the information. I just I'm restricted I just can't of use what it. I'm allowed That's to do. Yeah. yeah.","start_word":2102,"end_word":2130,"sentiment":"neutral","sentiment_score":-0.12284505367279051},{"text":"That sucks.","start_word":2131,"end_word":2132,"sentiment":"negative","sentiment_score":-0.38647979497909546},{"text":"Because I was thinking of that, well, maybe wonder what is your thing about what Yeah. they told me about BlackRock. I was like, Yeah. I wonder if you do would do the same. Because Yeah. I'm like, it's a big it's a big leap because, obviously, any little minor little thing you do now is gonna be a massive in ten years, it's gonna be huge. Yes. Yes. So I can say that I use Hub twenty four for my personal super. yeah.","start_word":2133,"end_word":2216,"sentiment":"neutral","sentiment_score":-0.02083482912608555},{"text":"I Cool.","start_word":2217,"end_word":2218,"sentiment":"positive","sentiment_score":0.5365944504737854},{"text":"do. Okay. Yeah. Sorry. Obviously, looking at the different platforms, they are one of the most competitive. I will Yeah. obviously still consider it, but they Yeah.","start_word":2219,"end_word":2245,"sentiment":"neutral","sentiment_score":0.10914018005132677},{"text":"are very good in terms of the investment flexibility and choices Yeah. Cool. and fees Oh, and it stuff, gives so me, I use that. for sure, it gives me a lot more confidence now.","start_word":2246,"end_word":2280,"sentiment":"positive","sentiment_score":0.424741268157959},{"text":"Like, you're trying Yes. to sell a product and you're not using yourself. You're like, well, what am Yeah. I doing? You know Exactly. what I mean? But then but then as K. well, because there is so much obviously, like, I'm I'm working for you, and my job is to put you in a better position. And because we're a holistic firm as well, it's like I whatever that might be is what I will recommend. Like, I don't have to stick with one option. There is hundreds of different superannuations, insurances, investment Yeah. choices. So Yeah. it's not like, you know, if you speak to an adviser at Host Plus or Australian Super or Macquarie, sometimes they're restricted to only make recommendations on their product, whereas we are Yeah. not. Oh, how good? So Yeah. yeah. So it gives us so much more flexibility. I mean, it also means that as well, like, things are always changing. So if, for Yeah. example, we make a recommendation on, oh, this is what's going to put you in the best position now in, let's say, five years, maybe there's another product that's out there that's going to be better. Cool. Then we can talk you to that. Like, it gives us that flexibility to do. Yeah. Cool. Yeah.","start_word":2281,"end_word":2498,"sentiment":"neutral","sentiment_score":0.12386512756347656},{"text":"Awesome.","start_word":2499,"end_word":2499,"sentiment":"positive","sentiment_score":0.4283156394958496},{"text":"Yeah. Cool. Yeah.","start_word":2500,"end_word":2502,"sentiment":"neutral","sentiment_score":0.31112271547317505},{"text":"Thank Perfect. you.","start_word":2503,"end_word":2505,"sentiment":"positive","sentiment_score":0.5073375105857849},{"text":"Thanks No. for that. That's okay, Scott. Do you have any other questions for me before I let you go otherwise? No. I think you yeah. No. You you answered them all.","start_word":2506,"end_word":2537,"sentiment":"neutral","sentiment_score":0.06172143228468485},{"text":"Awesome. Thank you very much. Oh, no problem at all, Scott. And I look forward to speaking with you next Wednesday at 10AM. Yeah. Cool. Awesome. Cheers. No worries. Thanks. See Bye. you later.","start_word":2538,"end_word":2571,"sentiment":"positive","sentiment_score":0.6415888667106628},{"text":"Bye. Bye.","start_word":2572,"end_word":2573,"sentiment":"neutral","sentiment_score":0.18960973620414737}],"average":{"sentiment":"neutral","sentiment_score":0.0945629876072008}}}}