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I'm just giving you a call to go through a few updates with you after your email. Do you have a bit of time for me? Perfect. Now just before I get into it, I will need to go through a quick security check with you. Is that okay? Perfect. So as always, calls are recorded for training and quality purposes, and I'm registered with Asica's adviser 1273105. Could you please confirm your date of birth address? Sensational. Thank you for that, Monique. And, again, thank you so much for taking the time to chat with me today. I have quite a few documents open at the moment, and I've just kind of gone through a full recap of everything that's been going on with your file and all the things that we were looking to do. What I was aiming to do today was just to double check a couple of things just to make sure they hadn't changed and then kind of finish off putting a bit of a plan together for you to send through, which I have put to the top of the list, if that's okay. Cool. Just because it has been a little while since we last spoke, I just wanna make sure that all the goals are the same and that we're still aiming in the same direction. Yes. Absolutely. Now I'll jump into that first because that's nice and easy. But before I do so, we I had a note down there that you were still going through updating some identification for name changes, and I'm wondering if that's actually been finalized or not. Who's got the time? That is okay. I just wanna make sure if we had to do any documents that I did update that. Okay. So let me just pull up your Hub twenty four account. One good thing I can at least tell you is that you've had some pretty good growth out of the super, and you've eclipsed over 300,000 now even with the market going crazy. So 11 percent net return, things are looking on the up and up despite the fires around you. Okay. Now I'm having a look through our last estate planning discussion. There was a few things in mind, but who were you wanting to nominate? Yeah. 35, 35, and 30. Now do you remember the nomination types? So when you do a beneficiary nomination, you can choose whether it expires or not. Okay. Yep. So if even if we do an on lapsing, we check it with you every year anyway. So if there is something we need to update, we'll bring it up with you as well. Okay? And I'm assuming you would like this nomination to be legally binding. Sensational. Now to make things a bit easier, would you like me to take down everyone's details and pre fill the forms for you? Oh, yeah. So normally, because they're, like, a legal binding document, you've done the the signing on paper and witnessing. And we do actually, like, generally speaking, post them or we scan them up into Hub 24 because it has to be a wet signature for a legal document. The only thing I wanna check is when did you actually get those signed? Because if they have a new form, it may have expired. Oh, sensational. Okay. Let me actually double check with the team because I know Hub's very, very good with us being able to upload scanned documents. But did you already have a scanned copy of them that you can send through to us as well? I know every time there's something in there saying, hey, reminder notice. Yes. That would be fantastic. Do you have my email still there? So it's Tommy, t o, m m, y, at Oakview Financial. Bit of a mouthful. Correct. No. That's okay. I won't get offended. I'll know what it's for. It's okay. Yep. No worries. Now I'll just give that a minute to come through, and I'll quickly check them just to make sure that we're not sending off forms that need to be corrected. Do you mind if I put you on a quick, like, forty second hold? I just wanna double check with the team the best way to get that done for you. Cool. This'll be the only time, and I won't be very long. Thank you. Thank you so much for holding there. So I have double checked with the team. Hub is fantastic in that we can upload the signed copies from our portal, and that will be applied the quickest rather than waiting for snail mail. Oh, yes. So either they'll send us a confirmation that the beneficiaries are in place, and failing that, we can generate, like, an account statement, which should list them as well. I just know every Superfund's a little bit different with how they display the information, but I can definitely put a request in to have that sent through a s ASAP. When would you need that by? Yeah. No. That's perfect. The only reason why I mentioned that is because once we've got that submitted, it'll take them the usual couple days to process it, and then it'll appear on the account and we can download reports. So I don't wanna I I won't get it to you by Friday. That's all. K. So sure is. I'm having a quick look at the forms. The scans actually come through pretty clearly, so that's great. On the beneficiary nominations where you've got Joshua, Matthew, and Charles on there, you will need to tick the relationship for Matthew and Charles. We've got child on the first one, but then it's blank blank for the next two. Yep. Yeah. That should be fine. Look. Even if you just tick the boxes, rescan them up, and and send them through, that's okay. We have both witnesses, which is great, and your signature on the fifth the fifth. Now I can see that this is the nineteenth of August twenty twenty five forms. Yep. I'm just gonna double check it because these super funds tend to update their documents very sporadically. And if there's a new beneficiary, they won't accept it. So I'm just gonna make sure I've actually got all of that there. Death benefit claim form, beneficiary nomination guide. We don't need a guide. We need the actual forms. And, Monique, just so I can gauge things a little bit, how much time do I have with you today in case I need to speed it up a little bit? Yep. Okay. No. That should be fine. I'm just gonna send a quick message to one of my staff members, and I'll just say, can you please check the most up to date hub beneficiary forms? Is 08/19/2025 current? And I'll let them get that back to us by the end of the call. Okay. Outside of that, so just to confirm what we were doing to make sure you're still happy with all those ideas is your Hub twenty four is in, like, a growth super fund, four out of five on the risk scale. We were doing a little bit of an update to the portfolio just because the world's kind of gone a little bit on fire at the moment. We were doing a consolidation of the Australian super, but possibly leaving the q super alone because of the insurances it had. Does that ring a bell? Yep. Now I've actually gone through all of the notes from your previous application and the discussion that you had with Dana around the insurance side of things. And I just wanna give you a quick idea here because I wanna just kind of cut short what the options are essentially. So with your q but one of the concerns that we had, obviously, was that it has a very low life insurance amount of about 15,000, which doesn't do much for covering the mortgage, but your TBD is more like 260,000, so it's a lot closer to the mark. The income protection is in there, and it's it's kind of great. It's just a little bit low compared to your income, which I think we had. You're working for both Oco Eye Specialist and Wilson Investment Group doing split payroll. Yep. Total income for the year floating around about the 95 thousand dollar mark, would that be pretty close for this financial year? K. So one of the things that we were going to do was looking at replacement insurances, and there was some previous health concerns, and that led to a previous decline with MetLife. Does that ring a bell as well? K. Now just to kind of shorten the options there, I did a quote through QSuper to look at increasing their life and TPD cover in line with your mortgage, which was about 382,000. Has that changed a bit? Okay. So $378,000, not too much. Now one of yep. Correct. Which I think another sorry. It's all here. I've got the offset account, the contents, the investment property, which you had split between the investment and equity portion. It was valued at $5.70, and that was in Newstead. Correct? Yep. And there was about $5.95 of debt all up on that one. Now there is you're kind of limited in what we can obtain in your increased insurances. Even if we increase your q super to just cover your main mortgage and top up your income protection, it was jumping up to about $3,600. I will grab that up per annum. Yes. Now I can pull up the q super as well. I'm just gonna grab your last summary document. And that's assuming it goes through, of course, like the underwriting side of things and gets through medically, but that's just covering mortgage and income. Yes. That's what I was thinking, and that's what I wanted to talk to you about today because increasing it's gonna really slow down your super growth. You have a lot of people there to cover the debts. So if you're okay to leave it, yeah, it's 1,900 currently for the life, the TPD, and the income protection. So go up another 1,600 at least. Yeah. And that's the thing too is you've got the 300 with hub. You've got the amount that's with q super plus the the life insurance. So if you did pass away, the mortgage is pretty well cleared. Yep. The only other option was I could do, like, a top up life insurance quote, but then with a potential loading or exclusion on that, that might be a couple of grand just by itself. Yep. Mhmm. Yep. Perfect. So we'll do the consolidation. I'll update your hub portfolio. We were gonna switch your contributions around so that the larger portion went into hub and the smaller portion went to QSuper for the insurances. I'm not sure if we already actioned that, but if you're still comfortable with that idea of redirecting to the growth fund. Yep. Now you don't have to action that straight away. What I can do is I'm gonna put all of this in the updated statement of advice documents so you've got the plan, and then we will help you implement it. We'll do the rollovers. We'll send you SGC forms if that helps to redirect unless you're comfortable with telling your payroll which account details to go into, but we can provide you some documents. Perfect. Sorry. Did you say 15421? 15401.23 as of the thirteenth of the fifth. And that was in QSuper. AustralianSuper. Sorry. Insurances. Yeah. K. There was a bit of a a holding pattern goal that we were gonna revisit even possibly self managed super funds once your partner's gone through all of those details, you know, like citizenship and permanent residency wise. Yeah. Perfect. So for the time being, we'll do the super switches for the contributions, the consolidation, the portfolio. We'll revisit anything to do with property at a later date, leave the insurances as is, and just update the beneficiaries in estate planning and so on. K. There was one quick note that you had a will in place, but possibly not the power of attorney. Does that ring a bell? K. Yeah. That's one of just the closing up cleanups I wanted to double check because if it's in there that if you're incapacitated, who can talk to the doctors and manage the bank accounts, that would be lovely. I don't wanna put a yes in there if it's not actually been put into place. Yep. Yeah. No worries. And worst case scenario, you can get a a power of attorney kit from the post office for $25 if you just wanna nominate your your partner to look after things, and it's a quick way to do it. Alright. Now when that document comes through to you, I'm basically gonna email it through to you straight away, and then I might see if we can just book in to have a quick chat to make sure you're comfortable with everything. But because you already know what the plan is twice, I'm I'm sure you'll let me know any questions if you do have any. Yep. Some of the details of assets and liabilities, like I said, might be slightly out of date. I'll put the 378,000 in for the mortgage. But if anything is wildly inaccurate, please let me know, and I'll just get that amended. Alrighty. Any other questions for me before I let you go? Yes. That is the most current document. Fantastic. That's okay. I will have this off to you sometime next week. It's, again, top of the list, so I'm aiming for Monday, Tuesday. As soon as we get that signed, we're just gonna start moving investments and rolling funds around. Amazing. Have a fantastic day. And if there's anything else, I'll give you a buzz. Thank you. 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Monique. It's Tommy here, senior adviser from Oakview. How are you going today? I'm doing absolutely fantastic. Thank you for taking my call.\n\nI'm just giving you a call to go through a few updates with you after your email. Do you have a bit of time for me? Perfect. Now just before I get into it, I will need to go through a quick security check with you. Is that okay?\n\nPerfect. So as always, calls are recorded for training and quality purposes, and I'm registered with Asica's adviser 1273105. Could you please confirm your date of birth address? Sensational. Thank you for that, Monique.\n\nAnd, again, thank you so much for taking the time to chat with me today. I have quite a few documents open at the moment, and I've just kind of gone through a full recap of everything that's been going on with your file and all the things that we were looking to do. What I was aiming to do today was just to double check a couple of things just to make sure they hadn't changed and then kind of finish off putting a bit of a plan together for you to send through, which I have put to the top of the list, if that's okay. Cool. Just because it has been a little while since we last spoke, I just wanna make sure that all the goals are the same and that we're still aiming in the same direction.\n\nYes. Absolutely. Now I'll jump into that first because that's nice and easy. But before I do so, we I had a note down there that you were still going through updating some identification for name changes, and I'm wondering if that's actually been finalized or not. Who's got the time?\n\nThat is okay. I just wanna make sure if we had to do any documents that I did update that. Okay. So let me just pull up your Hub twenty four account. One good thing I can at least tell you is that you've had some pretty good growth out of the super, and you've eclipsed over 300,000 now even with the market going crazy.\n\nSo 11 percent net return, things are looking on the up and up despite the fires around you. Okay. Now I'm having a look through our last estate planning discussion. There was a few things in mind, but who were you wanting to nominate? Yeah.\n\n35, 35, and 30. Now do you remember the nomination types? So when you do a beneficiary nomination, you can choose whether it expires or not. Okay. Yep.\n\nSo if even if we do an on lapsing, we check it with you every year anyway. So if there is something we need to update, we'll bring it up with you as well. Okay? And I'm assuming you would like this nomination to be legally binding. Sensational.\n\nNow to make things a bit easier, would you like me to take down everyone's details and pre fill the forms for you? Oh, yeah. So normally, because they're, like, a legal binding document, you've done the the signing on paper and witnessing. And we do actually, like, generally speaking, post them or we scan them up into Hub 24 because it has to be a wet signature for a legal document. The only thing I wanna check is when did you actually get those signed?\n\nBecause if they have a new form, it may have expired. Oh, sensational. Okay. Let me actually double check with the team because I know Hub's very, very good with us being able to upload scanned documents. But did you already have a scanned copy of them that you can send through to us as well?\n\nI know every time there's something in there saying, hey, reminder notice. Yes. That would be fantastic. Do you have my email still there? So it's Tommy, t o, m m, y, at Oakview Financial.\n\nBit of a mouthful. Correct. No. That's okay. I won't get offended.\n\nI'll know what it's for. It's okay. Yep. No worries. Now I'll just give that a minute to come through, and I'll quickly check them just to make sure that we're not sending off forms that need to be corrected.\n\nDo you mind if I put you on a quick, like, forty second hold? I just wanna double check with the team the best way to get that done for you. Cool. This'll be the only time, and I won't be very long. Thank you.\n\nThank you so much for holding there. So I have double checked with the team. Hub is fantastic in that we can upload the signed copies from our portal, and that will be applied the quickest rather than waiting for snail mail. Oh, yes. So either they'll send us a confirmation that the beneficiaries are in place, and failing that, we can generate, like, an account statement, which should list them as well.\n\nI just know every Superfund's a little bit different with how they display the information, but I can definitely put a request in to have that sent through a s ASAP. When would you need that by? Yeah. No. That's perfect.\n\nThe only reason why I mentioned that is because once we've got that submitted, it'll take them the usual couple days to process it, and then it'll appear on the account and we can download reports. So I don't wanna I I won't get it to you by Friday. That's all. K. So sure is.\n\nI'm having a quick look at the forms. The scans actually come through pretty clearly, so that's great. On the beneficiary nominations where you've got Joshua, Matthew, and Charles on there, you will need to tick the relationship for Matthew and Charles. We've got child on the first one, but then it's blank blank for the next two. Yep.\n\nYeah. That should be fine. Look. Even if you just tick the boxes, rescan them up, and and send them through, that's okay. We have both witnesses, which is great, and your signature on the fifth the fifth.\n\nNow I can see that this is the nineteenth of August twenty twenty five forms. Yep. I'm just gonna double check it because these super funds tend to update their documents very sporadically. And if there's a new beneficiary, they won't accept it. So I'm just gonna make sure I've actually got all of that there.\n\nDeath benefit claim form, beneficiary nomination guide. We don't need a guide. We need the actual forms. And, Monique, just so I can gauge things a little bit, how much time do I have with you today in case I need to speed it up a little bit? Yep.\n\nOkay. No. That should be fine. I'm just gonna send a quick message to one of my staff members, and I'll just say, can you please check the most up to date hub beneficiary forms? Is 08/19/2025 current?\n\nAnd I'll let them get that back to us by the end of the call. Okay. Outside of that, so just to confirm what we were doing to make sure you're still happy with all those ideas is your Hub twenty four is in, like, a growth super fund, four out of five on the risk scale. We were doing a little bit of an update to the portfolio just because the world's kind of gone a little bit on fire at the moment. We were doing a consolidation of the Australian super, but possibly leaving the q super alone because of the insurances it had.\n\nDoes that ring a bell? Yep. Now I've actually gone through all of the notes from your previous application and the discussion that you had with Dana around the insurance side of things. And I just wanna give you a quick idea here because I wanna just kind of cut short what the options are essentially. So with your q but one of the concerns that we had, obviously, was that it has a very low life insurance amount of about 15,000, which doesn't do much for covering the mortgage, but your TBD is more like 260,000, so it's a lot closer to the mark.\n\nThe income protection is in there, and it's it's kind of great. It's just a little bit low compared to your income, which I think we had. You're working for both Oco Eye Specialist and Wilson Investment Group doing split payroll. Yep. Total income for the year floating around about the 95 thousand dollar mark, would that be pretty close for this financial year?\n\nK. So one of the things that we were going to do was looking at replacement insurances, and there was some previous health concerns, and that led to a previous decline with MetLife. Does that ring a bell as well? K. Now just to kind of shorten the options there, I did a quote through QSuper to look at increasing their life and TPD cover in line with your mortgage, which was about 382,000.\n\nHas that changed a bit? Okay. So $378,000, not too much. Now one of yep. Correct.\n\nWhich I think another sorry. It's all here. I've got the offset account, the contents, the investment property, which you had split between the investment and equity portion. It was valued at $5.70, and that was in Newstead. Correct?\n\nYep. And there was about $5.95 of debt all up on that one. Now there is you're kind of limited in what we can obtain in your increased insurances. Even if we increase your q super to just cover your main mortgage and top up your income protection, it was jumping up to about $3,600. I will grab that up per annum.\n\nYes. Now I can pull up the q super as well. I'm just gonna grab your last summary document. And that's assuming it goes through, of course, like the underwriting side of things and gets through medically, but that's just covering mortgage and income. Yes.\n\nThat's what I was thinking, and that's what I wanted to talk to you about today because increasing it's gonna really slow down your super growth. You have a lot of people there to cover the debts. So if you're okay to leave it, yeah, it's 1,900 currently for the life, the TPD, and the income protection. So go up another 1,600 at least. Yeah.\n\nAnd that's the thing too is you've got the 300 with hub. You've got the amount that's with q super plus the the life insurance. So if you did pass away, the mortgage is pretty well cleared. Yep. The only other option was I could do, like, a top up life insurance quote, but then with a potential loading or exclusion on that, that might be a couple of grand just by itself.\n\nYep. Mhmm. Yep. Perfect. So we'll do the consolidation.\n\nI'll update your hub portfolio. We were gonna switch your contributions around so that the larger portion went into hub and the smaller portion went to QSuper for the insurances. I'm not sure if we already actioned that, but if you're still comfortable with that idea of redirecting to the growth fund. Yep. Now you don't have to action that straight away.\n\nWhat I can do is I'm gonna put all of this in the updated statement of advice documents so you've got the plan, and then we will help you implement it. We'll do the rollovers. We'll send you SGC forms if that helps to redirect unless you're comfortable with telling your payroll which account details to go into, but we can provide you some documents. Perfect. Sorry.\n\nDid you say 15421? 15401.23 as of the thirteenth of the fifth. And that was in QSuper. AustralianSuper. Sorry.\n\nInsurances. Yeah. K. There was a bit of a a holding pattern goal that we were gonna revisit even possibly self managed super funds once your partner's gone through all of those details, you know, like citizenship and permanent residency wise. Yeah.\n\nPerfect. So for the time being, we'll do the super switches for the contributions, the consolidation, the portfolio. We'll revisit anything to do with property at a later date, leave the insurances as is, and just update the beneficiaries in estate planning and so on. K. There was one quick note that you had a will in place, but possibly not the power of attorney.\n\nDoes that ring a bell? K. Yeah. That's one of just the closing up cleanups I wanted to double check because if it's in there that if you're incapacitated, who can talk to the doctors and manage the bank accounts, that would be lovely. I don't wanna put a yes in there if it's not actually been put into place.\n\nYep. Yeah. No worries. And worst case scenario, you can get a a power of attorney kit from the post office for $25 if you just wanna nominate your your partner to look after things, and it's a quick way to do it. Alright.\n\nNow when that document comes through to you, I'm basically gonna email it through to you straight away, and then I might see if we can just book in to have a quick chat to make sure you're comfortable with everything. But because you already know what the plan is twice, I'm I'm sure you'll let me know any questions if you do have any. Yep. Some of the details of assets and liabilities, like I said, might be slightly out of date. I'll put the 378,000 in for the mortgage.\n\nBut if anything is wildly inaccurate, please let me know, and I'll just get that amended. Alrighty. Any other questions for me before I let you go? Yes. That is the most current document.\n\nFantastic. That's okay. I will have this off to you sometime next week. It's, again, top of the list, so I'm aiming for Monday, Tuesday. As soon as we get that signed, we're just gonna start moving investments and rolling funds around.\n\nAmazing. Have a fantastic day. And if there's anything else, I'll give you a buzz. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Monique.","start":2.1599998,"end":2.8799999,"sentiment":"neutral","sentiment_score":0.14383190125226974},{"text":"It's Tommy here, senior adviser from Oakview.","start":2.8799999,"end":4.96,"sentiment":"neutral","sentiment_score":0.1634014184985842},{"text":"How are you going today?","start":4.96,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.2758499026298523},{"text":"I'm doing absolutely fantastic.","start":7.7599998,"end":9.54,"sentiment":"positive","sentiment_score":0.8142159134149551},{"text":"Thank you for taking my call.","start":9.76,"end":11.46,"sentiment":"positive","sentiment_score":0.7873907387256622}],"sentiment":"positive","sentiment_score":0.44966380546490353,"num_words":24,"start":2.1599998,"end":11.46},{"sentences":[{"text":"I'm just giving you a call to go through a few updates with you after your email.","start":11.759999,"end":16.095001,"sentiment":"neutral","sentiment_score":0.13872255691710642},{"text":"Do you have a bit of time for me?","start":16.095001,"end":17.795,"sentiment":"neutral","sentiment_score":0.03579826611611578},{"text":"Perfect.","start":19.375,"end":19.875,"sentiment":"neutral","sentiment_score":0.29920029640197754},{"text":"Now just before I get into it, I will need to go through a quick security check with you.","start":19.935,"end":23.775,"sentiment":"neutral","sentiment_score":0.06945169903337955},{"text":"Is that okay?","start":23.775,"end":24.66,"sentiment":"neutral","sentiment_score":0.07290895407398541}],"sentiment":"neutral","sentiment_score":0.09220361842640809,"num_words":49,"start":11.759999,"end":24.66},{"sentences":[{"text":"Perfect.","start":26.02,"end":26.5,"sentiment":"positive","sentiment_score":0.39885956048965454},{"text":"So as always, calls are recorded for training and quality purposes, and I'm registered with Asica's adviser 1273105.","start":26.5,"end":34.76,"sentiment":"neutral","sentiment_score":0.08258541549245517},{"text":"Could you please confirm your date of birth address?","start":34.82,"end":37.32,"sentiment":"neutral","sentiment_score":0.03336903183824486},{"text":"Sensational.","start":45.095,"end":45.595,"sentiment":"neutral","sentiment_score":0.1811581701040268},{"text":"Thank you for that, Monique.","start":45.895,"end":47.115,"sentiment":"positive","sentiment_score":0.5719943881034851}],"sentiment":"neutral","sentiment_score":0.15373083636822069,"num_words":34,"start":26.02,"end":47.115},{"sentences":[{"text":"And, again, thank you so much for taking the time to chat with me today.","start":47.335,"end":50.875,"sentiment":"positive","sentiment_score":0.5953074812889099},{"text":"I have quite a few documents open at the moment, and I've just kind of gone through a full recap of everything that's been going on with your file and all the things that we were looking to do.","start":51.175,"end":62.48,"sentiment":"neutral","sentiment_score":0.23171232411494622},{"text":"What I was aiming to do today was just to double check a couple of things just to make sure they hadn't changed and then kind of finish off putting a bit of a plan together for you to send through, which I have put to the top of the list, if that's okay.","start":62.62,"end":77.115005,"sentiment":"neutral","sentiment_score":0.04791584763572448},{"text":"Cool.","start":78.535,"end":78.855,"sentiment":"neutral","sentiment_score":0.14843373000621796},{"text":"Just because it has been a little while since we last spoke, I just wanna make sure that all the goals are the same and that we're still aiming in the same direction.","start":78.855,"end":85.579994,"sentiment":"neutral","sentiment_score":0.07821340898446964}],"sentiment":"neutral","sentiment_score":0.16396707646929148,"num_words":142,"start":47.335,"end":85.579994},{"sentences":[{"text":"Yes.","start":93.64,"end":94.14,"sentiment":"neutral","sentiment_score":-0.013544850051403046},{"text":"Absolutely.","start":103.895004,"end":104.395004,"sentiment":"positive","sentiment_score":0.5788992643356323},{"text":"Now I'll jump into that first because that's nice and easy.","start":104.775,"end":107.415,"sentiment":"positive","sentiment_score":0.4732553552497517},{"text":"But before I do so, we I had a note down there that you were still going through updating some identification for name changes, and I'm wondering if that's actually been finalized or not.","start":107.415,"end":119.67,"sentiment":"neutral","sentiment_score":0.002596095724798301},{"text":"Who's got the time?","start":129.905,"end":131.045,"sentiment":"neutral","sentiment_score":-0.079960647970438}],"sentiment":"neutral","sentiment_score":0.10861937225084095,"num_words":51,"start":93.64,"end":131.045},{"sentences":[{"text":"That is okay.","start":133.025,"end":133.825,"sentiment":"neutral","sentiment_score":-0.020171362906694412},{"text":"I just wanna make sure if we had to do any documents that I did update that.","start":133.825,"end":139.03001,"sentiment":"neutral","sentiment_score":0.0019159705432898859},{"text":"Okay.","start":139.03001,"end":139.43001,"sentiment":"neutral","sentiment_score":0.0428076907992363},{"text":"So let me just pull up your Hub twenty four account.","start":139.43001,"end":142.81001,"sentiment":"neutral","sentiment_score":0.0989674146879803},{"text":"One good thing I can at least tell you is that you've had some pretty good growth out of the super, and you've eclipsed over 300,000 now even with the market going crazy.","start":142.87001,"end":152.505,"sentiment":"positive","sentiment_score":0.4220871286410274}],"sentiment":"neutral","sentiment_score":0.23126741396979644,"num_words":65,"start":133.025,"end":152.505},{"sentences":[{"text":"So 11 percent net return, things are looking on the up and up despite the fires around you.","start":152.505,"end":159.46501,"sentiment":"neutral","sentiment_score":0.14186917348868316},{"text":"Okay.","start":159.46501,"end":159.96501,"sentiment":"neutral","sentiment_score":0.3266527056694031},{"text":"Now I'm having a look through our last estate planning discussion.","start":161.225,"end":165.45,"sentiment":"neutral","sentiment_score":0.08969638598236171},{"text":"There was a few things in mind, but who were you wanting to nominate?","start":165.45,"end":168.67,"sentiment":"neutral","sentiment_score":0.05915393227977412},{"text":"Yeah.","start":172.65,"end":173.15,"sentiment":"neutral","sentiment_score":0.048282623291015625}],"sentiment":"neutral","sentiment_score":0.1054087944328785,"num_words":45,"start":152.505,"end":173.15},{"sentences":[{"text":"35, 35, and 30.","start":177.625,"end":180.045,"sentiment":"neutral","sentiment_score":0.01597001007758081},{"text":"Now do you remember the nomination types?","start":180.905,"end":182.925,"sentiment":"neutral","sentiment_score":0.009015254277203764},{"text":"So when you do a beneficiary nomination, you can choose whether it expires or not.","start":186.825,"end":192.24,"sentiment":"neutral","sentiment_score":0.009967006867130597},{"text":"Okay.","start":200.40001,"end":200.90001,"sentiment":"neutral","sentiment_score":-0.0006201853975653648},{"text":"Yep.","start":202.40001,"end":202.8,"sentiment":"neutral","sentiment_score":0.0002934375952463597}],"sentiment":"neutral","sentiment_score":0.009863041980549627,"num_words":28,"start":177.625,"end":202.8},{"sentences":[{"text":"So if even if we do an on lapsing, we check it with you every year anyway.","start":202.8,"end":206.08,"sentiment":"neutral","sentiment_score":0.02665345902171205},{"text":"So if there is something we need to update, we'll bring it up with you as well.","start":206.08,"end":209.475,"sentiment":"neutral","sentiment_score":0.0519708467866568},{"text":"Okay?","start":210.575,"end":211.055,"sentiment":"neutral","sentiment_score":0.20399828255176544},{"text":"And I'm assuming you would like this nomination to be legally binding.","start":211.055,"end":214.275,"sentiment":"neutral","sentiment_score":0.1886913242439429},{"text":"Sensational.","start":216.095,"end":216.595,"sentiment":"neutral","sentiment_score":0.19117529690265656}],"sentiment":"neutral","sentiment_score":0.08325172227341682,"num_words":48,"start":202.8,"end":216.595},{"sentences":[{"text":"Now to make things a bit easier, would you like me to take down everyone's details and pre fill the forms for you?","start":217.055,"end":223.29,"sentiment":"neutral","sentiment_score":0.17540010550747748},{"text":"Oh, yeah.","start":236.825,"end":245.305,"sentiment":"neutral","sentiment_score":-0.08312741294503212},{"text":"So normally, because they're, like, a legal binding document, you've done the the signing on paper and witnessing.","start":245.305,"end":251.71,"sentiment":"neutral","sentiment_score":-0.03988320525321695},{"text":"And we do actually, like, generally speaking, post them or we scan them up into Hub 24 because it has to be a wet signature for a legal document.","start":252.41,"end":260.51,"sentiment":"neutral","sentiment_score":0.06319435339035659},{"text":"The only thing I wanna check is when did you actually get those signed?","start":260.91498,"end":264.51498,"sentiment":"neutral","sentiment_score":-0.029954049470169202}],"sentiment":"neutral","sentiment_score":0.05306197048793005,"num_words":86,"start":217.055,"end":264.51498},{"sentences":[{"text":"Because if they have a new form, it may have expired.","start":264.51498,"end":267.175,"sentiment":"neutral","sentiment_score":-0.04574212059378624},{"text":"Oh, sensational.","start":269.875,"end":270.69498,"sentiment":"neutral","sentiment_score":0.04967246204614639},{"text":"Okay.","start":282.21,"end":282.71,"sentiment":"neutral","sentiment_score":0.03654782474040985},{"text":"Let me actually double check with the team because I know Hub's very, very good with us being able to upload scanned documents.","start":287.345,"end":293.44498,"sentiment":"neutral","sentiment_score":0.3096877572977025},{"text":"But did you already have a scanned copy of them that you can send through to us as well?","start":294.145,"end":298.62,"sentiment":"neutral","sentiment_score":0.016245725417607708}],"sentiment":"neutral","sentiment_score":0.1261467254121921,"num_words":56,"start":264.51498,"end":298.62},{"sentences":[{"text":"I know every time there's something in there saying, hey, reminder notice.","start":322.55502,"end":325.935,"sentiment":"neutral","sentiment_score":-0.01792806542168061},{"text":"Yes.","start":335.12,"end":335.6,"sentiment":"positive","sentiment_score":0.4061673879623413},{"text":"That would be fantastic.","start":335.6,"end":336.72,"sentiment":"positive","sentiment_score":0.6845241189002991},{"text":"Do you have my email still there?","start":336.72,"end":338.34,"sentiment":"neutral","sentiment_score":0.00909191822367055},{"text":"So it's Tommy, t o, m m, y, at Oakview Financial.","start":340.73502,"end":347.555,"sentiment":"neutral","sentiment_score":0.006890342189845714}],"sentiment":"neutral","sentiment_score":0.08767326486163905,"num_words":35,"start":322.55502,"end":347.555},{"sentences":[{"text":"Bit of a mouthful.","start":348.095,"end":349.075,"sentiment":"neutral","sentiment_score":-0.15784167870879173},{"text":"Correct.","start":352.99,"end":353.49,"sentiment":"neutral","sentiment_score":0.022042278200387955},{"text":"No.","start":372.125,"end":372.36502,"sentiment":"neutral","sentiment_score":-0.1599629521369934},{"text":"That's okay.","start":372.36502,"end":372.845,"sentiment":"neutral","sentiment_score":-0.13466452807188034},{"text":"I won't get offended.","start":372.845,"end":373.725,"sentiment":"neutral","sentiment_score":-0.18544257432222366}],"sentiment":"neutral","sentiment_score":-0.14836556185036898,"num_words":12,"start":348.095,"end":373.725},{"sentences":[{"text":"I'll know what it's for.","start":373.725,"end":374.945,"sentiment":"neutral","sentiment_score":-0.08751031160354614},{"text":"It's okay.","start":375.08502,"end":375.745,"sentiment":"neutral","sentiment_score":0.022054182831197977},{"text":"Yep.","start":383.74,"end":384.06,"sentiment":"neutral","sentiment_score":0.03909115493297577},{"text":"No worries.","start":384.06,"end":384.7,"sentiment":"neutral","sentiment_score":0.06135914847254753},{"text":"Now I'll just give that a minute to come through, and I'll quickly check them just to make sure that we're not sending off forms that need to be corrected.","start":384.7,"end":391.04,"sentiment":"neutral","sentiment_score":0.00919025894254446}],"sentiment":"neutral","sentiment_score":0.001101850694976747,"num_words":40,"start":373.725,"end":391.04},{"sentences":[{"text":"Do you mind if I put you on a quick, like, forty second hold?","start":391.835,"end":395.035,"sentiment":"neutral","sentiment_score":0.017214743021343435},{"text":"I just wanna double check with the team the best way to get that done for you.","start":395.035,"end":399.375,"sentiment":"neutral","sentiment_score":0.0843271887039437},{"text":"Cool.","start":400.555,"end":400.875,"sentiment":"neutral","sentiment_score":0.31051573157310486},{"text":"This'll be the only time, and I won't be very long.","start":400.875,"end":403.375,"sentiment":"neutral","sentiment_score":0.09938751770691438},{"text":"Thank you.","start":404.88998,"end":411.62997,"sentiment":"positive","sentiment_score":0.6531474590301514}],"sentiment":"neutral","sentiment_score":0.09743648788167371,"num_words":45,"start":391.835,"end":411.62997},{"sentences":[{"text":"Thank you so much for holding there.","start":452.58502,"end":454.525,"sentiment":"positive","sentiment_score":0.6383487071309771},{"text":"So I have double checked with the team.","start":456.00998,"end":457.85,"sentiment":"neutral","sentiment_score":0.24383017234504223},{"text":"Hub is fantastic in that we can upload the signed copies from our portal, and that will be applied the quickest rather than waiting for snail mail.","start":457.85,"end":466.35,"sentiment":"positive","sentiment_score":0.443545522513213},{"text":"Oh, yes.","start":495.33502,"end":495.915,"sentiment":"neutral","sentiment_score":0.03960856422781944},{"text":"So either they'll send us a confirmation that the beneficiaries are in place, and failing that, we can generate, like, an account statement, which should list them as well.","start":496.215,"end":507.34998,"sentiment":"neutral","sentiment_score":0.09312860898930451}],"sentiment":"neutral","sentiment_score":0.2900651811736904,"num_words":73,"start":452.58502,"end":507.34998},{"sentences":[{"text":"I just know every Superfund's a little bit different with how they display the information, but I can definitely put a request in to have that sent through a s ASAP.","start":507.34998,"end":516.89,"sentiment":"neutral","sentiment_score":0.03665182397009865},{"text":"When would you need that by?","start":517.82996,"end":519.45,"sentiment":"neutral","sentiment_score":0.11420533992350101},{"text":"Yeah.","start":527.16504,"end":527.66504,"sentiment":"neutral","sentiment_score":0.014787202700972555},{"text":"No.","start":532.3,"end":532.54,"sentiment":"neutral","sentiment_score":0.012633120641112328},{"text":"That's perfect.","start":532.54,"end":533.1,"sentiment":"neutral","sentiment_score":0.10654516518115997}],"sentiment":"neutral","sentiment_score":0.05029144478825534,"num_words":41,"start":507.34998,"end":533.1},{"sentences":[{"text":"The only reason why I mentioned that is because once we've got that submitted, it'll take them the usual couple days to process it, and then it'll appear on the account and we can download reports.","start":533.1,"end":543.27997,"sentiment":"neutral","sentiment_score":-0.005982947121891711},{"text":"So I don't wanna I I won't get it to you by Friday.","start":543.57996,"end":546.62,"sentiment":"neutral","sentiment_score":-0.19259275782566804},{"text":"That's all.","start":546.62,"end":547.425,"sentiment":"neutral","sentiment_score":0.09847903251647949},{"text":"K.","start":551.985,"end":552.46497,"sentiment":"neutral","sentiment_score":0.3033909797668457},{"text":"So sure is.","start":552.46497,"end":556.565,"sentiment":"positive","sentiment_score":0.40154504776000977}],"sentiment":"neutral","sentiment_score":-0.018438322909853675,"num_words":55,"start":533.1,"end":556.565},{"sentences":[{"text":"I'm having a quick look at the forms.","start":557.265,"end":558.705,"sentiment":"neutral","sentiment_score":0.30039047449827194},{"text":"The scans actually come through pretty clearly, so that's great.","start":558.705,"end":561.365,"sentiment":"positive","sentiment_score":0.49593343436717985},{"text":"On the beneficiary nominations where you've got Joshua, Matthew, and Charles on there, you will need to tick the relationship for Matthew and Charles.","start":562.77,"end":572.07,"sentiment":"neutral","sentiment_score":0.08048459724523127},{"text":"We've got child on the first one, but then it's blank blank for the next two.","start":574.545,"end":578.085,"sentiment":"neutral","sentiment_score":-0.0031187539570964873},{"text":"Yep.","start":588.72003,"end":589.22003,"sentiment":"neutral","sentiment_score":0.1455676257610321}],"sentiment":"neutral","sentiment_score":0.1591484073896782,"num_words":59,"start":557.265,"end":589.22003},{"sentences":[{"text":"Yeah.","start":597.04004,"end":597.52,"sentiment":"neutral","sentiment_score":0.05557480454444885},{"text":"That should be fine.","start":597.52,"end":598.82,"sentiment":"neutral","sentiment_score":0.10005640797317028},{"text":"Look.","start":599.36005,"end":599.68005,"sentiment":"neutral","sentiment_score":0.06815881282091141},{"text":"Even if you just tick the boxes, rescan them up, and and send them through, that's okay.","start":599.68005,"end":604.415,"sentiment":"neutral","sentiment_score":0.04603059288552579},{"text":"We have both witnesses, which is great, and your signature on the fifth the fifth.","start":605.115,"end":615.63,"sentiment":"neutral","sentiment_score":0.06567911518116792}],"sentiment":"neutral","sentiment_score":0.06030700147446049,"num_words":38,"start":597.04004,"end":615.63},{"sentences":[{"text":"Now I can see that this is the nineteenth of August twenty twenty five forms.","start":630.10504,"end":635.325,"sentiment":"neutral","sentiment_score":-0.02790483261148135},{"text":"Yep.","start":642.75995,"end":643.25995,"sentiment":"neutral","sentiment_score":-0.127026304602623},{"text":"I'm just gonna double check it because these super funds tend to update their documents very sporadically.","start":644.36,"end":649.81995,"sentiment":"neutral","sentiment_score":-0.20456869637264924},{"text":"And if there's a new beneficiary, they won't accept it.","start":650.34503,"end":652.825,"sentiment":"neutral","sentiment_score":-0.2226106159389019},{"text":"So I'm just gonna make sure I've actually got all of that there.","start":652.825,"end":655.72504,"sentiment":"neutral","sentiment_score":0.062427218143756576}],"sentiment":"neutral","sentiment_score":-0.09710390992196542,"num_words":56,"start":630.10504,"end":655.72504},{"sentences":[{"text":"Death benefit claim form, beneficiary nomination guide.","start":660.66504,"end":664.025,"sentiment":"neutral","sentiment_score":0.008170031144150667},{"text":"We don't need a guide.","start":664.025,"end":665.065,"sentiment":"neutral","sentiment_score":-0.12816451042890548},{"text":"We need the actual forms.","start":665.065,"end":666.50995,"sentiment":"neutral","sentiment_score":-0.059371861070394515},{"text":"And, Monique, just so I can gauge things a little bit, how much time do I have with you today in case I need to speed it up a little bit?","start":670.88995,"end":676.82996,"sentiment":"neutral","sentiment_score":0.011743295276837965},{"text":"Yep.","start":679.625,"end":679.945,"sentiment":"neutral","sentiment_score":0.08288946747779846}],"sentiment":"neutral","sentiment_score":-0.00884816364138102,"num_words":49,"start":660.66504,"end":679.945},{"sentences":[{"text":"Okay.","start":679.945,"end":680.445,"sentiment":"neutral","sentiment_score":0.05171646550297737},{"text":"No.","start":681.945,"end":682.185,"sentiment":"neutral","sentiment_score":-0.03583800420165062},{"text":"That should be fine.","start":682.185,"end":683.325,"sentiment":"neutral","sentiment_score":0.04938185028731823},{"text":"I'm just gonna send a quick message to one of my staff members, and I'll just say, can you please check the most up to date hub beneficiary forms?","start":684.505,"end":696.57,"sentiment":"neutral","sentiment_score":0.11423584728919227},{"text":"Is 08/19/2025 current?","start":697.59,"end":701.21,"sentiment":"neutral","sentiment_score":0.04882008582353592}],"sentiment":"neutral","sentiment_score":0.09665014977125745,"num_words":38,"start":679.945,"end":701.21},{"sentences":[{"text":"And I'll let them get that back to us by the end of the call.","start":701.59,"end":704.745,"sentiment":"neutral","sentiment_score":0.10433938602606456},{"text":"Okay.","start":707.065,"end":707.565,"sentiment":"neutral","sentiment_score":0.14686009287834167},{"text":"Outside of that, so just to confirm what we were doing to make sure you're still happy with all those ideas is your Hub twenty four is in, like, a growth super fund, four out of five on the risk scale.","start":708.585,"end":720.72,"sentiment":"neutral","sentiment_score":0.20676164201846936},{"text":"We were doing a little bit of an update to the portfolio just because the world's kind of gone a little bit on fire at the moment.","start":720.72,"end":726.1,"sentiment":"neutral","sentiment_score":-0.06768422684183827},{"text":"We were doing a consolidation of the Australian super, but possibly leaving the q super alone because of the insurances it had.","start":728.32,"end":736.225,"sentiment":"neutral","sentiment_score":-0.10075089860368859}],"sentiment":"neutral","sentiment_score":0.05797343690580917,"num_words":106,"start":701.59,"end":736.225},{"sentences":[{"text":"Does that ring a bell?","start":736.225,"end":737.52496,"sentiment":"neutral","sentiment_score":0.018914176896214486},{"text":"Yep.","start":739.185,"end":739.665,"sentiment":"neutral","sentiment_score":0.10162769258022308},{"text":"Now I've actually gone through all of the notes from your previous application and the discussion that you had with Dana around the insurance side of things.","start":739.665,"end":749.17004,"sentiment":"neutral","sentiment_score":0.009558797020603109},{"text":"And I just wanna give you a quick idea here because I wanna just kind of cut short what the options are essentially.","start":749.17004,"end":757.35004,"sentiment":"neutral","sentiment_score":-0.09900745474126028},{"text":"So with your q but one of the concerns that we had, obviously, was that it has a very low life insurance amount of about 15,000, which doesn't do much for covering the mortgage, but your TBD is more like 260,000, so it's a lot closer to the mark.","start":759.185,"end":773.64,"sentiment":"neutral","sentiment_score":-0.07570310917739966}],"sentiment":"neutral","sentiment_score":-0.05268893059165705,"num_words":105,"start":736.225,"end":773.64},{"sentences":[{"text":"The income protection is in there, and it's it's kind of great.","start":775.8,"end":779.34,"sentiment":"positive","sentiment_score":0.4178230141599973},{"text":"It's just a little bit low compared to your income, which I think we had.","start":779.8,"end":784.62,"sentiment":"negative","sentiment_score":-0.3347882757584254},{"text":"You're working for both Oco Eye Specialist and Wilson Investment Group doing split payroll.","start":785.0,"end":791.395,"sentiment":"neutral","sentiment_score":0.05084035884855049},{"text":"Yep.","start":792.815,"end":793.315,"sentiment":"neutral","sentiment_score":0.16723349690437317},{"text":"Total income for the year floating around about the 95 thousand dollar mark, would that be pretty close for this financial year?","start":793.935,"end":801.075,"sentiment":"neutral","sentiment_score":0.1416383646428585}],"sentiment":"neutral","sentiment_score":0.062298352757352404,"num_words":64,"start":775.8,"end":801.075},{"sentences":[{"text":"K.","start":802.83,"end":803.33,"sentiment":"neutral","sentiment_score":-0.03205202519893646},{"text":"So one of the things that we were going to do was looking at replacement insurances, and there was some previous health concerns, and that led to a previous decline with MetLife.","start":804.11,"end":814.43,"sentiment":"neutral","sentiment_score":-0.1556732370518148},{"text":"Does that ring a bell as well?","start":814.43,"end":815.955,"sentiment":"neutral","sentiment_score":-0.08056001684495381},{"text":"K.","start":817.635,"end":817.875,"sentiment":"neutral","sentiment_score":-0.001533927395939827},{"text":"Now just to kind of shorten the options there, I did a quote through QSuper to look at increasing their life and TPD cover in line with your mortgage, which was about 382,000.","start":817.875,"end":831.57,"sentiment":"neutral","sentiment_score":0.01158445571182352}],"sentiment":"neutral","sentiment_score":-0.07022652186050608,"num_words":74,"start":802.83,"end":831.57},{"sentences":[{"text":"Has that changed a bit?","start":831.57,"end":832.79,"sentiment":"neutral","sentiment_score":-0.01656186319887638},{"text":"Okay.","start":836.85,"end":837.25,"sentiment":"neutral","sentiment_score":0.03157608583569527},{"text":"So $378,000, not too much.","start":837.25,"end":840.31,"sentiment":"neutral","sentiment_score":0.011477374285459519},{"text":"Now one of yep.","start":841.34503,"end":842.965,"sentiment":"neutral","sentiment_score":0.03894049907103181},{"text":"Correct.","start":846.865,"end":847.265,"sentiment":"neutral","sentiment_score":0.04752876237034798}],"sentiment":"neutral","sentiment_score":0.013090274995192885,"num_words":16,"start":831.57,"end":847.265},{"sentences":[{"text":"Which I think another sorry.","start":847.265,"end":850.865,"sentiment":"neutral","sentiment_score":-0.0040597494691610335},{"text":"It's all here.","start":850.865,"end":851.505,"sentiment":"neutral","sentiment_score":-0.024446741367379825},{"text":"I've got the offset account, the contents, the investment property, which you had split between the investment and equity portion.","start":851.505,"end":858.38,"sentiment":"neutral","sentiment_score":0.0050979145802557465},{"text":"It was valued at $5.70, and that was in Newstead.","start":858.6,"end":861.18,"sentiment":"neutral","sentiment_score":0.009714099625125528},{"text":"Correct?","start":861.24,"end":861.74,"sentiment":"neutral","sentiment_score":0.021812230348587036}],"sentiment":"neutral","sentiment_score":0.003263398634795195,"num_words":39,"start":847.265,"end":861.74},{"sentences":[{"text":"Yep.","start":869.735,"end":869.975,"sentiment":"neutral","sentiment_score":-0.07658874988555908},{"text":"And there was about $5.95 of debt all up on that one.","start":869.975,"end":873.195,"sentiment":"neutral","sentiment_score":-0.24379239355524382},{"text":"Now there is you're kind of limited in what we can obtain in your increased insurances.","start":873.255,"end":879.755,"sentiment":"negative","sentiment_score":-0.3408273458480835},{"text":"Even if we increase your q super to just cover your main mortgage and top up your income protection, it was jumping up to about $3,600.","start":880.41,"end":889.23,"sentiment":"neutral","sentiment_score":-0.20943128288938448},{"text":"I will grab that up per annum.","start":893.545,"end":897.065,"sentiment":"neutral","sentiment_score":-0.07033469102212361}],"sentiment":"neutral","sentiment_score":-0.23214340642575296,"num_words":62,"start":869.735,"end":897.065},{"sentences":[{"text":"Yes.","start":897.065,"end":897.565,"sentiment":"neutral","sentiment_score":0.06649114191532135},{"text":"Now I can pull up the q super as well.","start":900.505,"end":902.585,"sentiment":"neutral","sentiment_score":0.06567589715123176},{"text":"I'm just gonna grab your last summary document.","start":902.585,"end":906.29004,"sentiment":"neutral","sentiment_score":0.03162393713137135},{"text":"And that's assuming it goes through, of course, like the underwriting side of things and gets through medically, but that's just covering mortgage and income.","start":908.03,"end":917.81,"sentiment":"neutral","sentiment_score":0.028548270389437677},{"text":"Yes.","start":949.485,"end":949.985,"sentiment":"neutral","sentiment_score":-0.13418400287628174}],"sentiment":"neutral","sentiment_score":0.034572541496406,"num_words":45,"start":897.065,"end":949.985},{"sentences":[{"text":"That's what I was thinking, and that's what I wanted to talk to you about today because increasing it's gonna really slow down your super growth.","start":950.125,"end":957.09,"sentiment":"neutral","sentiment_score":-0.23837945151787537},{"text":"You have a lot of people there to cover the debts.","start":957.33,"end":959.59,"sentiment":"neutral","sentiment_score":-0.13833106105977838},{"text":"So if you're okay to leave it, yeah, it's 1,900 currently for the life, the TPD, and the income protection.","start":959.65,"end":967.09,"sentiment":"neutral","sentiment_score":0.036036476399749516},{"text":"So go up another 1,600 at least.","start":967.09,"end":970.31,"sentiment":"neutral","sentiment_score":0.010865498068077224},{"text":"Yeah.","start":982.455,"end":982.955,"sentiment":"neutral","sentiment_score":0.11775026470422743}],"sentiment":"neutral","sentiment_score":-0.1046918327991779,"num_words":65,"start":950.125,"end":982.955},{"sentences":[{"text":"And that's the thing too is you've got the 300 with hub.","start":989.56,"end":993.5,"sentiment":"neutral","sentiment_score":-0.009973283546666304},{"text":"You've got the amount that's with q super plus the the life insurance.","start":993.56,"end":997.41504,"sentiment":"neutral","sentiment_score":0.03941897632410893},{"text":"So if you did pass away, the mortgage is pretty well cleared.","start":997.41504,"end":1000.23505,"sentiment":"neutral","sentiment_score":0.011537936826546987},{"text":"Yep.","start":1001.73505,"end":1002.23505,"sentiment":"neutral","sentiment_score":0.06236778944730759},{"text":"The only other option was I could do, like, a top up life insurance quote, but then with a potential loading or exclusion on that, that might be a couple of grand just by itself.","start":1002.29504,"end":1012.19,"sentiment":"neutral","sentiment_score":-0.0641522606568677}],"sentiment":"neutral","sentiment_score":-0.022626558931110655,"num_words":73,"start":989.56,"end":1012.19},{"sentences":[{"text":"Yep.","start":1016.81,"end":1017.31,"sentiment":"neutral","sentiment_score":-4.150594577367883e-6},{"text":"Mhmm.","start":1019.85004,"end":1020.35004,"sentiment":"neutral","sentiment_score":-0.004368494264781475},{"text":"Yep.","start":1029.145,"end":1029.385,"sentiment":"neutral","sentiment_score":0.19480165839195251},{"text":"Perfect.","start":1029.385,"end":1029.885,"sentiment":"positive","sentiment_score":0.5203888416290283},{"text":"So we'll do the consolidation.","start":1030.025,"end":1031.565,"sentiment":"positive","sentiment_score":0.3449814677238464}],"sentiment":"neutral","sentiment_score":0.2706361326423171,"num_words":9,"start":1016.81,"end":1031.565},{"sentences":[{"text":"I'll update your hub portfolio.","start":1031.945,"end":1033.485,"sentiment":"neutral","sentiment_score":0.20768442153930664},{"text":"We were gonna switch your contributions around so that the larger portion went into hub and the smaller portion went to QSuper for the insurances.","start":1034.505,"end":1040.9299,"sentiment":"neutral","sentiment_score":0.15756643444299698},{"text":"I'm not sure if we already actioned that, but if you're still comfortable with that idea of redirecting to the growth fund.","start":1041.3099,"end":1047.73,"sentiment":"neutral","sentiment_score":0.07653456621549347},{"text":"Yep.","start":1067.98,"end":1068.48,"sentiment":"neutral","sentiment_score":0.15120266377925873},{"text":"Now you don't have to action that straight away.","start":1068.62,"end":1070.7001,"sentiment":"neutral","sentiment_score":0.09439834704001744}],"sentiment":"neutral","sentiment_score":0.12358276149438273,"num_words":62,"start":1031.945,"end":1070.7001},{"sentences":[{"text":"What I can do is I'm gonna put all of this in the updated statement of advice documents so you've got the plan, and then we will help you implement it.","start":1070.7001,"end":1078.325,"sentiment":"neutral","sentiment_score":0.15420274628746894},{"text":"We'll do the rollovers.","start":1078.325,"end":1079.385,"sentiment":"neutral","sentiment_score":0.1588895618915558},{"text":"We'll send you SGC forms if that helps to redirect unless you're comfortable with telling your payroll which account details to go into, but we can provide you some documents.","start":1079.6849,"end":1089.225,"sentiment":"neutral","sentiment_score":0.04297936276222269},{"text":"Perfect.","start":1099.25,"end":1099.75,"sentiment":"neutral","sentiment_score":-0.23371031880378723},{"text":"Sorry.","start":1108.865,"end":1109.105,"sentiment":"neutral","sentiment_score":-0.06431509554386139}],"sentiment":"neutral","sentiment_score":0.09562983359696704,"num_words":67,"start":1070.7001,"end":1109.105},{"sentences":[{"text":"Did you say 15421?","start":1109.105,"end":1111.445,"sentiment":"neutral","sentiment_score":-0.04470487264916301},{"text":"15401.23 as of the thirteenth of the fifth.","start":1114.88,"end":1120.02,"sentiment":"neutral","sentiment_score":-0.017398202791810036},{"text":"And that was in QSuper.","start":1121.6,"end":1123.38,"sentiment":"neutral","sentiment_score":-0.023888881132006646},{"text":"AustralianSuper.","start":1125.52,"end":1126.02,"sentiment":"neutral","sentiment_score":-0.01702524721622467},{"text":"Sorry.","start":1126.48,"end":1126.98,"sentiment":"neutral","sentiment_score":-0.0994570404291153}],"sentiment":"neutral","sentiment_score":-0.029154305591395025,"num_words":19,"start":1109.105,"end":1126.98},{"sentences":[{"text":"Insurances.","start":1135.715,"end":1136.215,"sentiment":"neutral","sentiment_score":-0.0593523308634758},{"text":"Yeah.","start":1136.675,"end":1137.175,"sentiment":"neutral","sentiment_score":0.04902303963899613},{"text":"K.","start":1138.595,"end":1139.04,"sentiment":"neutral","sentiment_score":0.03986420854926109},{"text":"There was a bit of a a holding pattern goal that we were gonna revisit even possibly self managed super funds once your partner's gone through all of those details, you know, like citizenship and permanent residency wise.","start":1139.8401,"end":1154.095,"sentiment":"neutral","sentiment_score":0.05434464530921296},{"text":"Yeah.","start":1164.235,"end":1164.735,"sentiment":"neutral","sentiment_score":-0.12662675976753235}],"sentiment":"neutral","sentiment_score":0.046857254269222416,"num_words":42,"start":1135.715,"end":1164.735},{"sentences":[{"text":"Perfect.","start":1172.79,"end":1173.29,"sentiment":"negative","sentiment_score":-0.4696044921875},{"text":"So for the time being, we'll do the super switches for the contributions, the consolidation, the portfolio.","start":1173.35,"end":1178.97,"sentiment":"neutral","sentiment_score":0.08999979956185117},{"text":"We'll revisit anything to do with property at a later date, leave the insurances as is, and just update the beneficiaries in estate planning and so on.","start":1179.795,"end":1190.2151,"sentiment":"neutral","sentiment_score":0.0744631243524728},{"text":"K.","start":1192.21,"end":1192.61,"sentiment":"neutral","sentiment_score":0.0701940506696701},{"text":"There was one quick note that you had a will in place, but possibly not the power of attorney.","start":1192.61,"end":1197.35,"sentiment":"neutral","sentiment_score":-0.03334330845820276}],"sentiment":"neutral","sentiment_score":0.038577963812993124,"num_words":65,"start":1172.79,"end":1197.35},{"sentences":[{"text":"Does that ring a bell?","start":1197.4099,"end":1198.5499,"sentiment":"neutral","sentiment_score":-0.04209603816270828},{"text":"K.","start":1207.4249,"end":1207.9249,"sentiment":"neutral","sentiment_score":-0.01883517764508724},{"text":"Yeah.","start":1212.065,"end":1212.3049,"sentiment":"neutral","sentiment_score":-0.009008944034576416},{"text":"That's one of just the closing up cleanups I wanted to double check because if it's in there that if you're incapacitated, who can talk to the doctors and manage the bank accounts, that would be lovely.","start":1212.3049,"end":1221.46,"sentiment":"neutral","sentiment_score":-0.023407407809753675},{"text":"I don't wanna put a yes in there if it's not actually been put into place.","start":1222.0,"end":1225.38,"sentiment":"neutral","sentiment_score":-0.2785388957709074}],"sentiment":"neutral","sentiment_score":-0.09268367889647683,"num_words":60,"start":1197.4099,"end":1225.38},{"sentences":[{"text":"Yep.","start":1238.975,"end":1239.475,"sentiment":"neutral","sentiment_score":-0.05115371197462082},{"text":"Yeah.","start":1239.71,"end":1240.21,"sentiment":"neutral","sentiment_score":-0.05504225939512253},{"text":"No worries.","start":1249.39,"end":1249.95,"sentiment":"neutral","sentiment_score":0.0802294909954071},{"text":"And worst case scenario, you can get a a power of attorney kit from the post office for $25 if you just wanna nominate your your partner to look after things, and it's a quick way to do it.","start":1249.95,"end":1259.295,"sentiment":"neutral","sentiment_score":0.12092130067638862},{"text":"Alright.","start":1261.755,"end":1262.0751,"sentiment":"positive","sentiment_score":0.4166549444198608}],"sentiment":"neutral","sentiment_score":0.11788292457772927,"num_words":44,"start":1238.975,"end":1262.0751},{"sentences":[{"text":"Now when that document comes through to you, I'm basically gonna email it through to you straight away, and then I might see if we can just book in to have a quick chat to make sure you're comfortable with everything.","start":1262.0751,"end":1272.21,"sentiment":"neutral","sentiment_score":0.25873837456470583},{"text":"But because you already know what the plan is twice, I'm I'm sure you'll let me know any questions if you do have any.","start":1272.21,"end":1278.87,"sentiment":"neutral","sentiment_score":0.06962389141942064},{"text":"Yep.","start":1280.13,"end":1280.63,"sentiment":"neutral","sentiment_score":0.07313531637191772},{"text":"Some of the details of assets and liabilities, like I said, might be slightly out of date.","start":1281.135,"end":1285.635,"sentiment":"neutral","sentiment_score":-0.04761299315620871},{"text":"I'll put the 378,000 in for the mortgage.","start":1285.6951,"end":1288.755,"sentiment":"neutral","sentiment_score":-0.03350384021177888}],"sentiment":"neutral","sentiment_score":0.123900334749903,"num_words":91,"start":1262.0751,"end":1288.755},{"sentences":[{"text":"But if anything is wildly inaccurate, please let me know, and I'll just get that amended.","start":1288.975,"end":1292.755,"sentiment":"neutral","sentiment_score":-0.06814200212829746},{"text":"Alrighty.","start":1295.04,"end":1295.54,"sentiment":"neutral","sentiment_score":0.07834610342979431},{"text":"Any other questions for me before I let you go?","start":1295.92,"end":1298.02,"sentiment":"neutral","sentiment_score":0.028316432423889638},{"text":"Yes.","start":1308.735,"end":1308.975,"sentiment":"neutral","sentiment_score":0.023968838155269623},{"text":"That is the most current document.","start":1308.975,"end":1310.515,"sentiment":"neutral","sentiment_score":0.023449030704796314}],"sentiment":"neutral","sentiment_score":-0.016591134823530036,"num_words":34,"start":1288.975,"end":1310.515},{"sentences":[{"text":"Fantastic.","start":1318.67,"end":1319.17,"sentiment":"positive","sentiment_score":0.7044738531112671},{"text":"That's okay.","start":1320.03,"end":1320.75,"sentiment":"positive","sentiment_score":0.38751867413520813},{"text":"I will have this off to you sometime next week.","start":1320.75,"end":1323.55,"sentiment":"neutral","sentiment_score":0.32313031554222105},{"text":"It's, again, top of the list, so I'm aiming for Monday, Tuesday.","start":1323.55,"end":1327.01,"sentiment":"neutral","sentiment_score":0.2535854789117972},{"text":"As soon as we get that signed, we're just gonna start moving investments and rolling funds around.","start":1327.23,"end":1331.73,"sentiment":"neutral","sentiment_score":0.28457465154283185}],"sentiment":"neutral","sentiment_score":0.2998002185708001,"num_words":42,"start":1318.67,"end":1331.73},{"sentences":[{"text":"Amazing.","start":1335.145,"end":1335.545,"sentiment":"positive","sentiment_score":0.8851383924484253},{"text":"Have a fantastic day.","start":1335.545,"end":1336.665,"sentiment":"positive","sentiment_score":0.8481086194515228},{"text":"And if there's anything else, I'll give you a buzz.","start":1336.665,"end":1338.6849,"sentiment":"positive","sentiment_score":0.5637490332126618},{"text":"Thank you.","start":1341.145,"end":1341.705,"sentiment":"positive","sentiment_score":0.6248334050178528},{"text":"Bye.","start":1341.705,"end":1342.205,"sentiment":"neutral","sentiment_score":-0.09688500314950944}],"sentiment":"positive","sentiment_score":0.6148802782926295,"num_words":18,"start":1335.145,"end":1342.205}]}}]},{"alternatives":[{"transcript":"Hi. My name is speaking. Good. Thanks. How are you? Okay. Yes. Yeah. Sure. Yes. That's good. Thirteen twelve seventy four, and it's Unit 21824 Wyatt Street, Newstead, Queensland 4006. Yes. Okay. Alright. Yes. Yeah. Yeah. Just one thing because I don't wanna forget it, but I need to I need to sort out my beneficiaries on hub twenty four. So I don't know if you can help me with that. I did print them and do some. But anyway, that is something I have to finalize with you today as well just in our little test so we put that wherever. Okay. It's still not. I don't know what it is. It's just that I physically gotta get myself some places. If I could do it online, it'd be great. But I've actually gotta go to the host office. I gotta go to TMI. I just don't have time. So, no, it's still under Reuben, unfortunately. So I have to get that done. Yeah. No. Yeah. Which is correct. Yeah. That's good. Yeah. That is good. So I've got my two sons and then my partner. So 30 5% each to the kids and 30% to child. No. What is that? I think. Oh, yes. Yeah. No. I think we can leave those in place. So non ex non non expiry ones. Yes. Okay. Yes. That's fine. Yes, please. Yeah. That's good. So what actually happens so you'll you'll do them, what, send them out to me and I've gotta sign it? Because I've actually printed them, done this whole thing, and I do have a signed copy here and witnessed. But then I don't know what to actually do with it because Hub twenty four doesn't do I scan it back and email it to you? Do I have to post it in? What do I actually have to do with it? Doesn't doesn't say. Yes. Okay. Oh, no. I needed this last week. Mhmm. Yes. On on Tuesday last week, I thought everybody should do it, and then I didn't I then I had them, and I'm like, oh, I don't know what to do with them. And I knew I was having this call with you today. So I thought, okay, I'll just wait until today. So am I posting them to somewhere? Okay. I do have them. Sorry. Let me get this to my computer. I do have them scanned for me so I can email them through. A bit of a funny looking scan, but tell me if that's okay. Otherwise, I'll rescan them when I go into work tomorrow for a better one, but maybe not I hate opening up my emails. There's always the bills to pay. Okay. Yeah. To who is my beneficiary, can I email them straight to you now and you can check them and see if you're happy with them? So what's the email? No. Yes? Dot com dot a u. Okay. Alright. And I'm just gonna say Monique Rubin. Anyway, 24 beneficiaries. Okay. I'm gonna I'm I'm just sending it as is. I haven't even said hi for me. Sorry. It's just going to. Yeah. That's fine. If they if it's not clear enough or what have you, let me know, and then I'll scan them in in a big scanner tomorrow and resend them to you. Yeah. Okay. Yes. That's fine. Alright. No worries. Okay. Alright. All good. No worries. Okay. Okay. That'd be great. So why I'm chasing these and meeting them at the moment is we're doing Charles and I are doing a partnership visa, and our next thing is all our supporting documents. So at the end of this month, we want to actually, on the June 11, we're gonna be submitting and part of supporting stuff is having beneficiary form. So I kinda need a an official hub twenty four letter saying your beneficiaries are blah blah blah blah. So how quickly can I get that once you've uploaded these into hub 20 four? Yep. Okay. Yep. Yep. Okay. Yes. Yes. That'd be great. If I can get it this week, that'd be amazing. Otherwise, early next week. So the sooner the better because I just wanna get everything off to the lawyers so there's a time to check everything and ask us for anything else. But yeah. So just a little bit. Yeah. Okay. Alright. No. That's fine. Early next week. Oh, next week's fine. That'd be good. I think that's one of the last pieces of the puzzle, so it's all good. Okay. Alright. Oh, it's like I don't know. Let's do this form. Oh, great. Okay. I'll re I'll find that and resend that to you and somewhere in my documents that I've created that, and I and it's for one. Alright. I'll resend that by the terribly. It's here. But if you're happy with that scan, then I can just get told to do it again for me today. Alright. I'll make a motion for that. Yeah. Yeah. I'm trying to do that. I don't even know how that spouse one works because it's actually not correct. Josh is my son. That's actually child child foul. Oh, I see. Yes. That's the one that came off the that was the one actually that they chatbot sent me to. So is that not perfect? Yes. Alright. About twenty minutes, if that's right. Do it do I have enough time? Okay. Alright. Yes. Yep. Definitely. Yep. Yep. Yes. Yes. Yes. Yes. Yes. It's about $3.78, so not two months. But you know that's, and you should have this information. So we do have an investment property as well. So there's another one. Yeah. Yeah. Yeah. Yeah. Yep. It's higher value now. Both properties are increased in value, but that was a purchase price of $5.70 for the investment. Yep. From what? I can't remember what we have. 2,000 is that per annum? Yep. Yes. Yeah. Yeah. So I know it's low, particularly the death benefit, but I've got a lot of super. Like, kids and childs are gonna get some of that. All that can go and pay mortgage and what have you. So all my portion thereof will at least, you know, help a lot with that. I'm actually not too fussed with it being that way. I don't wanna I'd rather not eat into my sleep by paying these high fees. So, yeah. Yeah. So I'd rather just leave it. Yeah. Yeah. Mhmm. Yeah. Yeah. No. Look. I think I think just just leave it, let the super grow, and then, you know, I can do what they want with the money after that. So it's fine. I'll either I'll either use it and then and pay all the mortgages as we go or they can use it to pay off mortgage. Whatever. So, no, I think that's fine. Yep. Yeah. Yeah. No. I'm fine. Yeah. No. I think we just leave things as is. Leave QC three in place because that's the only place that's holding whatever. And it's just the Australian Super that's I don't know. I got no. I can't remember what it's holding, but it needs to just move across to Hub. Yeah. I can definitely do that. I'll get that organized. Where do I need to put that? So I'm gonna swap. So that means that it is Will Best going to q super and OCO going to hub. Okay. I can swap them. Room. Yes. Oh, yeah. No. That's fine. I can I just tell them? I work closely with both payroll people, so I just can't update it myself. So I don't know if it's all good. I can do that. Yeah. So there's $15,401.23 sitting in our super at the moment. So, yeah, I'll just shove that over. 15401.23. As of today. Yeah. Australian Super. So we're moving yeah. We're moving Aussie Super and holding q. She's got the there's no there's nothing in Australian Super for insurance and stuff. So yeah. Yeah. Let's go yeah. Like, that we can we we can discuss at a later stage. I mean, we got the investment property in between that discussion and then and that's obviously not gone through super. And we're still a couple of years away from citizenship. So, yeah, we can just leave that for now. I'm not ready to jump into that anytime soon. Yeah. Yeah. Yeah. Okay. Perfect. Not really, but we definitely do have roles in place. I can't remember if there's any power of attorney in them. I'll have to look through that. So let me look through the rules and power of attorney. Okay. Yeah. Yeah. Yeah. For sure. I'm gonna just have to go and fish them out, find them, and have a look. But if it was a question that we were asked and it was just the standard part of the wheel, then it would have been done. But if it's a little, you know, side note that sometimes little people or trust these don't pick up, then maybe not. But yeah. Okay. I'll have a look and get that back to you, and I'll send you an email and let you know when the swap's being done and take on that power of attorney. Okay. Yep. Okay. Super. Excellent. IPhone. Yeah. Yeah. Sounds good. Yep. All good. Okay. Sounds good. No. That's it. Did your colleague get back to that whether the form is the latest, the 08/19/2019 whatever, 2,005 for the beneficiary? Okay. Cool. Alright. Okay. I'll get the little boxes ticked and resend it to you and get that underway. Excellent. Thank you very much. Alright. Okay. Awesome. Super. Thanks very much, Connie. Okay. Super. Thank you very much. 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My name is speaking. Good. Thanks. How are you?\n\nOkay. Yes. Yeah. Sure. Yes.\n\nThat's good. Thirteen twelve seventy four, and it's Unit 21824 Wyatt Street, Newstead, Queensland 4006. Yes. Okay. Alright.\n\nYes. Yeah. Yeah. Just one thing because I don't wanna forget it, but I need to I need to sort out my beneficiaries on hub twenty four. So I don't know if you can help me with that.\n\nI did print them and do some. But anyway, that is something I have to finalize with you today as well just in our little test so we put that wherever. Okay. It's still not. I don't know what it is.\n\nIt's just that I physically gotta get myself some places. If I could do it online, it'd be great. But I've actually gotta go to the host office. I gotta go to TMI. I just don't have time.\n\nSo, no, it's still under Reuben, unfortunately. So I have to get that done. Yeah. No. Yeah.\n\nWhich is correct. Yeah. That's good. Yeah. That is good.\n\nSo I've got my two sons and then my partner. So 30 5% each to the kids and 30% to child. No. What is that? I think.\n\nOh, yes. Yeah. No. I think we can leave those in place. So non ex non non expiry ones.\n\nYes. Okay. Yes. That's fine. Yes, please.\n\nYeah. That's good. So what actually happens so you'll you'll do them, what, send them out to me and I've gotta sign it? Because I've actually printed them, done this whole thing, and I do have a signed copy here and witnessed. But then I don't know what to actually do with it because Hub twenty four doesn't do I scan it back and email it to you?\n\nDo I have to post it in? What do I actually have to do with it? Doesn't doesn't say. Yes. Okay.\n\nOh, no. I needed this last week. Mhmm. Yes. On on Tuesday last week, I thought everybody should do it, and then I didn't I then I had them, and I'm like, oh, I don't know what to do with them.\n\nAnd I knew I was having this call with you today. So I thought, okay, I'll just wait until today. So am I posting them to somewhere? Okay. I do have them.\n\nSorry. Let me get this to my computer. I do have them scanned for me so I can email them through. A bit of a funny looking scan, but tell me if that's okay. Otherwise, I'll rescan them when I go into work tomorrow for a better one, but maybe not I hate opening up my emails.\n\nThere's always the bills to pay. Okay. Yeah. To who is my beneficiary, can I email them straight to you now and you can check them and see if you're happy with them? So what's the email?\n\nNo. Yes? Dot com dot a u. Okay. Alright.\n\nAnd I'm just gonna say Monique Rubin. Anyway, 24 beneficiaries. Okay. I'm gonna I'm I'm just sending it as is. I haven't even said hi for me.\n\nSorry. It's just going to. Yeah. That's fine. If they if it's not clear enough or what have you, let me know, and then I'll scan them in in a big scanner tomorrow and resend them to you.\n\nYeah. Okay. Yes. That's fine. Alright.\n\nNo worries. Okay. Alright. All good. No worries.\n\nOkay. Okay. That'd be great. So why I'm chasing these and meeting them at the moment is we're doing Charles and I are doing a partnership visa, and our next thing is all our supporting documents. So at the end of this month, we want to actually, on the June 11, we're gonna be submitting and part of supporting stuff is having beneficiary form.\n\nSo I kinda need a an official hub twenty four letter saying your beneficiaries are blah blah blah blah. So how quickly can I get that once you've uploaded these into hub 20 four? Yep. Okay. Yep.\n\nYep. Okay. Yes. Yes. That'd be great.\n\nIf I can get it this week, that'd be amazing. Otherwise, early next week. So the sooner the better because I just wanna get everything off to the lawyers so there's a time to check everything and ask us for anything else. But yeah. So just a little bit.\n\nYeah. Okay. Alright. No. That's fine.\n\nEarly next week. Oh, next week's fine. That'd be good. I think that's one of the last pieces of the puzzle, so it's all good. Okay.\n\nAlright. Oh, it's like I don't know. Let's do this form. Oh, great. Okay.\n\nI'll re I'll find that and resend that to you and somewhere in my documents that I've created that, and I and it's for one. Alright. I'll resend that by the terribly. It's here. But if you're happy with that scan, then I can just get told to do it again for me today.\n\nAlright. I'll make a motion for that. Yeah. Yeah. I'm trying to do that.\n\nI don't even know how that spouse one works because it's actually not correct. Josh is my son. That's actually child child foul. Oh, I see. Yes.\n\nThat's the one that came off the that was the one actually that they chatbot sent me to. So is that not perfect? Yes. Alright. About twenty minutes, if that's right.\n\nDo it do I have enough time? Okay. Alright. Yes. Yep.\n\nDefinitely. Yep. Yep. Yes. Yes.\n\nYes. Yes. Yes. It's about $3.78, so not two months. But you know that's, and you should have this information.\n\nSo we do have an investment property as well. So there's another one. Yeah. Yeah. Yeah.\n\nYeah. Yep. It's higher value now. Both properties are increased in value, but that was a purchase price of $5.70 for the investment. Yep.\n\nFrom what? I can't remember what we have. 2,000 is that per annum? Yep. Yes.\n\nYeah. Yeah. So I know it's low, particularly the death benefit, but I've got a lot of super. Like, kids and childs are gonna get some of that. All that can go and pay mortgage and what have you.\n\nSo all my portion thereof will at least, you know, help a lot with that. I'm actually not too fussed with it being that way. I don't wanna I'd rather not eat into my sleep by paying these high fees. So, yeah. Yeah.\n\nSo I'd rather just leave it. Yeah. Yeah. Mhmm. Yeah.\n\nYeah. No. Look. I think I think just just leave it, let the super grow, and then, you know, I can do what they want with the money after that. So it's fine.\n\nI'll either I'll either use it and then and pay all the mortgages as we go or they can use it to pay off mortgage. Whatever. So, no, I think that's fine. Yep. Yeah.\n\nYeah. No. I'm fine. Yeah. No.\n\nI think we just leave things as is. Leave QC three in place because that's the only place that's holding whatever. And it's just the Australian Super that's I don't know. I got no. I can't remember what it's holding, but it needs to just move across to Hub.\n\nYeah. I can definitely do that. I'll get that organized. Where do I need to put that? So I'm gonna swap.\n\nSo that means that it is Will Best going to q super and OCO going to hub. Okay. I can swap them. Room. Yes.\n\nOh, yeah. No. That's fine. I can I just tell them? I work closely with both payroll people, so I just can't update it myself.\n\nSo I don't know if it's all good. I can do that. Yeah. So there's $15,401.23 sitting in our super at the moment. So, yeah, I'll just shove that over.\n\n15401.23. As of today. Yeah. Australian Super. So we're moving yeah.\n\nWe're moving Aussie Super and holding q. She's got the there's no there's nothing in Australian Super for insurance and stuff. So yeah. Yeah. Let's go yeah.\n\nLike, that we can we we can discuss at a later stage. I mean, we got the investment property in between that discussion and then and that's obviously not gone through super. And we're still a couple of years away from citizenship. So, yeah, we can just leave that for now. I'm not ready to jump into that anytime soon.\n\nYeah. Yeah. Yeah. Okay. Perfect.\n\nNot really, but we definitely do have roles in place. I can't remember if there's any power of attorney in them. I'll have to look through that. So let me look through the rules and power of attorney. Okay.\n\nYeah. Yeah. Yeah. For sure. I'm gonna just have to go and fish them out, find them, and have a look.\n\nBut if it was a question that we were asked and it was just the standard part of the wheel, then it would have been done. But if it's a little, you know, side note that sometimes little people or trust these don't pick up, then maybe not. But yeah. Okay. I'll have a look and get that back to you, and I'll send you an email and let you know when the swap's being done and take on that power of attorney.\n\nOkay. Yep. Okay. Super. Excellent.\n\nIPhone. Yeah. Yeah. Sounds good. Yep.\n\nAll good. Okay. Sounds good. No. That's it.\n\nDid your colleague get back to that whether the form is the latest, the 08/19/2019 whatever, 2,005 for the beneficiary? Okay. Cool. Alright. Okay.\n\nI'll get the little boxes ticked and resend it to you and get that underway. Excellent. Thank you very much. Alright. Okay.\n\nAwesome. Super. Thanks very much, Connie. Okay. Super.\n\nThank you very much. 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to sort out my beneficiaries on hub twenty four.","start":86.26,"end":92.600006,"sentiment":"neutral","sentiment_score":0.009450509212911129},{"text":"So I don't know if you can help me with that.","start":92.66,"end":96.605,"sentiment":"neutral","sentiment_score":-0.033868533643809234}],"sentiment":"neutral","sentiment_score":0.0013772047271854,"num_words":38,"start":77.395004,"end":96.605},{"sentences":[{"text":"I did print them and do some.","start":96.605,"end":97.965004,"sentiment":"neutral","sentiment_score":0.03137429377862385},{"text":"But anyway, that is something I have to finalize with you today as well just in our little test so we put that wherever.","start":97.965004,"end":103.345,"sentiment":"neutral","sentiment_score":0.08468244092849393},{"text":"Okay.","start":106.765,"end":107.265,"sentiment":"positive","sentiment_score":0.489427775144577},{"text":"It's still not.","start":118.72,"end":120.88,"sentiment":"neutral","sentiment_score":-0.1232977199057738},{"text":"I don't know what it is.","start":120.88,"end":122.175,"sentiment":"neutral","sentiment_score":-0.154490415006876}],"sentiment":"neutral","sentiment_score":0.03523392107610295,"num_words":41,"start":96.605,"end":122.175},{"sentences":[{"text":"It's just that I physically gotta get myself some places.","start":122.255005,"end":124.815,"sentiment":"neutral","sentiment_score":-0.07990308590233326},{"text":"If I could do it online, it'd be great.","start":124.815,"end":126.175,"sentiment":"neutral","sentiment_score":0.06568506070309216},{"text":"But I've actually gotta go to the host office.","start":126.175,"end":127.615005,"sentiment":"neutral","sentiment_score":-0.072415415611532},{"text":"I gotta go to TMI.","start":127.615005,"end":128.575,"sentiment":"neutral","sentiment_score":-0.047358933836221695},{"text":"I just don't have 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correct.","start":150.88,"end":151.86,"sentiment":"neutral","sentiment_score":0.08415118604898453},{"text":"Yeah.","start":153.015,"end":153.515,"sentiment":"neutral","sentiment_score":0.09426219016313551},{"text":"That's good.","start":156.295,"end":158.295,"sentiment":"neutral","sentiment_score":0.08213013410568237},{"text":"Yeah.","start":158.295,"end":158.795,"sentiment":"neutral","sentiment_score":0.2049279510974884},{"text":"That is good.","start":159.175,"end":160.235,"sentiment":"positive","sentiment_score":0.34681305289268494}],"sentiment":"neutral","sentiment_score":0.1756343126296997,"num_words":10,"start":150.88,"end":160.235},{"sentences":[{"text":"So I've got my two sons and then my partner.","start":169.41,"end":171.99,"sentiment":"neutral","sentiment_score":0.044838780909776686},{"text":"So 30 5% each to the kids and 30% to child.","start":172.13,"end":175.51,"sentiment":"neutral","sentiment_score":0.06642964990301566},{"text":"No.","start":185.045,"end":185.44499,"sentiment":"neutral","sentiment_score":-0.03862161561846733},{"text":"What is that?","start":185.44499,"end":186.345,"sentiment":"neutral","sentiment_score":-0.023308098937074345},{"text":"I think.","start":187.28499,"end":187.94499,"sentiment":"neutral","sentiment_score":0.009362336248159409}],"sentiment":"neutral","sentiment_score":0.04034417474435435,"num_words":27,"start":169.41,"end":187.94499},{"sentences":[{"text":"Oh, yes.","start":189.525,"end":190.42499,"sentiment":"neutral","sentiment_score":0.028980153612792492},{"text":"Yeah.","start":192.35,"end":192.85,"sentiment":"neutral","sentiment_score":0.016258863732218742},{"text":"No.","start":197.07,"end":197.47,"sentiment":"neutral","sentiment_score":-0.03185919672250748},{"text":"I think we can leave those in place.","start":197.47,"end":199.57,"sentiment":"neutral","sentiment_score":-0.012291667284443974},{"text":"So non ex non non expiry ones.","start":199.79001,"end":202.29001,"sentiment":"neutral","sentiment_score":-0.006221895372228963}],"sentiment":"neutral","sentiment_score":-0.005238243770834647,"num_words":19,"start":189.525,"end":202.29001},{"sentences":[{"text":"Yes.","start":206.77501,"end":207.27501,"sentiment":"neutral","sentiment_score":0.02718738652765751},{"text":"Okay.","start":207.495,"end":207.995,"sentiment":"neutral","sentiment_score":0.0788174569606781},{"text":"Yes.","start":209.015,"end":209.495,"sentiment":"neutral","sentiment_score":0.17249906063079834},{"text":"That's fine.","start":209.495,"end":210.395,"sentiment":"neutral","sentiment_score":0.2911700904369354},{"text":"Yes, please.","start":214.375,"end":215.195,"sentiment":"neutral","sentiment_score":0.28888121247291565}],"sentiment":"neutral","sentiment_score":0.205515215705548,"num_words":7,"start":206.77501,"end":215.195},{"sentences":[{"text":"Yeah.","start":224.48,"end":224.79999,"sentiment":"neutral","sentiment_score":0.29369503259658813},{"text":"That's good.","start":224.79999,"end":225.28,"sentiment":"positive","sentiment_score":0.48198771476745605},{"text":"So what actually happens so you'll you'll do them, what, send them out to me and I've gotta sign it?","start":225.28,"end":230.77501,"sentiment":"neutral","sentiment_score":0.17256130129098893},{"text":"Because I've actually printed them, done this whole thing, and I do have a signed copy here and witnessed.","start":230.77501,"end":235.675,"sentiment":"neutral","sentiment_score":0.07636463034309839},{"text":"But then I don't know what to actually do with it because Hub twenty four doesn't do I scan it back and email it to you?","start":236.13501,"end":241.095,"sentiment":"neutral","sentiment_score":-0.10367097275761458}],"sentiment":"neutral","sentiment_score":0.05094675254076719,"num_words":68,"start":224.48,"end":241.095},{"sentences":[{"text":"Do I have to post it in?","start":241.095,"end":242.95,"sentiment":"neutral","sentiment_score":-0.09209149543728147},{"text":"What do I actually have to do with it?","start":242.95,"end":244.55,"sentiment":"neutral","sentiment_score":-0.08990187363492118},{"text":"Doesn't doesn't say.","start":244.55,"end":245.85,"sentiment":"neutral","sentiment_score":-0.05528603990872701},{"text":"Yes.","start":252.15,"end":252.65,"sentiment":"neutral","sentiment_score":0.06695644557476044},{"text":"Okay.","start":266.625,"end":267.125,"sentiment":"neutral","sentiment_score":-0.04694377630949021}],"sentiment":"neutral","sentiment_score":-0.07617156101124627,"num_words":21,"start":241.095,"end":267.125},{"sentences":[{"text":"Oh, no.","start":267.74503,"end":268.14502,"sentiment":"neutral","sentiment_score":-0.09912906959652901},{"text":"I needed this last week.","start":268.14502,"end":269.52502,"sentiment":"neutral","sentiment_score":-0.11963805407285691},{"text":"Mhmm.","start":270.30502,"end":270.80502,"sentiment":"neutral","sentiment_score":0.009124021977186205},{"text":"Yes.","start":271.27,"end":271.59,"sentiment":"neutral","sentiment_score":0.03767171502113342},{"text":"On on Tuesday last week, I thought everybody should do it, and then I didn't I then I had them, and I'm like, oh, I don't know what to do with them.","start":271.59,"end":277.37,"sentiment":"neutral","sentiment_score":-0.10210562706924975}],"sentiment":"neutral","sentiment_score":-0.09797640826280524,"num_words":41,"start":267.74503,"end":277.37},{"sentences":[{"text":"And I knew I was having this call with you today.","start":277.59,"end":279.43,"sentiment":"neutral","sentiment_score":-0.02479891919276931},{"text":"So I thought, okay, I'll just wait until today.","start":279.43,"end":281.61,"sentiment":"neutral","sentiment_score":0.007175946194264624},{"text":"So am I posting them to somewhere?","start":282.62997,"end":286.40997,"sentiment":"neutral","sentiment_score":0.03556637678827558},{"text":"Okay.","start":293.965,"end":294.465,"sentiment":"neutral","sentiment_score":0.04343894496560097},{"text":"I do have them.","start":297.965,"end":299.905,"sentiment":"neutral","sentiment_score":0.02961212769150734}],"sentiment":"neutral","sentiment_score":0.006332734308671206,"num_words":32,"start":277.59,"end":299.905},{"sentences":[{"text":"Sorry.","start":301.75998,"end":301.83997,"sentiment":"neutral","sentiment_score":-0.025604665279388428},{"text":"Let me get this to my computer.","start":301.83997,"end":303.13998,"sentiment":"neutral","sentiment_score":-0.0197432634553739},{"text":"I do have them scanned for me so I can email them through.","start":303.19998,"end":306.97998,"sentiment":"neutral","sentiment_score":0.053338902500959545},{"text":"A bit of a funny looking scan, but tell me if that's okay.","start":307.12,"end":310.18,"sentiment":"neutral","sentiment_score":-0.05085755827335211},{"text":"Otherwise, I'll rescan them when I go into work tomorrow for a better one, but maybe not I hate opening up my emails.","start":312.08,"end":320.095,"sentiment":"neutral","sentiment_score":-0.09759546346638513}],"sentiment":"neutral","sentiment_score":-0.04168852095149065,"num_words":57,"start":301.75998,"end":320.095},{"sentences":[{"text":"There's always the bills to pay.","start":320.095,"end":321.715,"sentiment":"neutral","sentiment_score":-0.1368627039094766},{"text":"Okay.","start":322.655,"end":323.155,"sentiment":"neutral","sentiment_score":-0.016615666449069977},{"text":"Yeah.","start":327.615,"end":328.115,"sentiment":"neutral","sentiment_score":0.04859982058405876},{"text":"To who is my beneficiary, can I email them straight to you now and you can check them and see if you're happy with them?","start":328.815,"end":334.66998,"sentiment":"neutral","sentiment_score":0.0943760745227337},{"text":"So what's the email?","start":336.33,"end":337.46997,"sentiment":"neutral","sentiment_score":0.04034446785226464}],"sentiment":"neutral","sentiment_score":0.04679966662582513,"num_words":37,"start":320.095,"end":337.46997},{"sentences":[{"text":"No.","start":343.53,"end":343.84998,"sentiment":"neutral","sentiment_score":-0.017299145460128784},{"text":"Yes?","start":343.84998,"end":344.34998,"sentiment":"neutral","sentiment_score":-0.0025918581523001194},{"text":"Dot com dot a u.","start":350.785,"end":352.24503,"sentiment":"neutral","sentiment_score":-0.0044568919111043215},{"text":"Okay.","start":355.02502,"end":355.345,"sentiment":"neutral","sentiment_score":0.027038410305976868},{"text":"Alright.","start":355.345,"end":355.825,"sentiment":"neutral","sentiment_score":0.04049209505319595}],"sentiment":"neutral","sentiment_score":0.002817226910135812,"num_words":9,"start":343.53,"end":355.825},{"sentences":[{"text":"And I'm just gonna say Monique Rubin.","start":355.825,"end":358.69998,"sentiment":"neutral","sentiment_score":0.035536181181669235},{"text":"Anyway, 24 beneficiaries.","start":359.8,"end":364.13998,"sentiment":"neutral","sentiment_score":0.02853219335277875},{"text":"Okay.","start":366.44,"end":366.75998,"sentiment":"neutral","sentiment_score":0.01592763140797615},{"text":"I'm gonna I'm I'm just sending it as is.","start":366.75998,"end":368.68,"sentiment":"neutral","sentiment_score":-0.02290106357799636},{"text":"I haven't even said hi for me.","start":368.68,"end":369.96,"sentiment":"neutral","sentiment_score":-0.1440573771085058}],"sentiment":"neutral","sentiment_score":-0.03200865674901892,"num_words":27,"start":355.825,"end":369.96},{"sentences":[{"text":"Sorry.","start":369.96,"end":370.28,"sentiment":"neutral","sentiment_score":-0.15031298995018005},{"text":"It's just going to.","start":370.28,"end":371.41998,"sentiment":"neutral","sentiment_score":-0.10633293353021145},{"text":"Yeah.","start":375.175,"end":375.57498,"sentiment":"neutral","sentiment_score":0.015202386304736136},{"text":"That's fine.","start":375.57498,"end":376.13498,"sentiment":"neutral","sentiment_score":0.07730751857161522},{"text":"If they if it's not clear enough or what have you, let me know, and then I'll scan them in in a big scanner tomorrow and resend them to you.","start":376.13498,"end":383.435,"sentiment":"neutral","sentiment_score":-0.06562451751281818}],"sentiment":"neutral","sentiment_score":-0.06248849542125275,"num_words":38,"start":369.96,"end":383.435},{"sentences":[{"text":"Yeah.","start":387.01498,"end":387.51498,"sentiment":"neutral","sentiment_score":0.04324961081147194},{"text":"Okay.","start":391.31,"end":391.81,"sentiment":"neutral","sentiment_score":0.020494818687438965},{"text":"Yes.","start":395.15,"end":395.47,"sentiment":"neutral","sentiment_score":0.05426308140158653},{"text":"That's fine.","start":395.47,"end":396.29,"sentiment":"neutral","sentiment_score":0.10517412796616554},{"text":"Alright.","start":398.99,"end":399.49,"sentiment":"neutral","sentiment_score":0.09843586385250092}],"sentiment":"neutral","sentiment_score":0.0711319384475549,"num_words":6,"start":387.01498,"end":399.49},{"sentences":[{"text":"No worries.","start":399.55,"end":400.29,"sentiment":"neutral","sentiment_score":0.15204980224370956},{"text":"Okay.","start":402.59,"end":403.09,"sentiment":"neutral","sentiment_score":0.05621398985385895},{"text":"Alright.","start":403.415,"end":403.815,"sentiment":"neutral","sentiment_score":0.3091137111186981},{"text":"All good.","start":403.815,"end":404.555,"sentiment":"positive","sentiment_score":0.5207448601722717},{"text":"No worries.","start":454.66,"end":455.4,"sentiment":"neutral","sentiment_score":0.20031924545764923}],"sentiment":"neutral","sentiment_score":0.26394443958997726,"num_words":8,"start":399.55,"end":455.4},{"sentences":[{"text":"Okay.","start":462.605,"end":463.105,"sentiment":"positive","sentiment_score":0.3456226587295532},{"text":"Okay.","start":466.285,"end":466.785,"sentiment":"neutral","sentiment_score":0.25599777698516846},{"text":"That'd be great.","start":466.925,"end":467.905,"sentiment":"positive","sentiment_score":0.4258538583914439},{"text":"So why I'm chasing these and meeting them at the moment is we're doing Charles and I are doing a partnership visa, and our next thing is all our supporting documents.","start":467.965,"end":475.24,"sentiment":"neutral","sentiment_score":0.08686739638928444},{"text":"So at the end of this month, we want to actually, on the June 11, we're gonna be submitting and part of supporting stuff is having beneficiary form.","start":475.3,"end":484.25998,"sentiment":"neutral","sentiment_score":0.07799978713904109}],"sentiment":"neutral","sentiment_score":0.10556352091953158,"num_words":64,"start":462.605,"end":484.25998},{"sentences":[{"text":"So I kinda need a an official hub twenty four letter saying your beneficiaries are blah blah blah blah.","start":484.25998,"end":491.285,"sentiment":"neutral","sentiment_score":0.051147845622740294},{"text":"So how quickly can I get that once you've uploaded these into hub 20 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week.","start":548.305,"end":549.185,"sentiment":"neutral","sentiment_score":0.17608926693598428},{"text":"Oh, next week's fine.","start":549.185,"end":550.385,"sentiment":"positive","sentiment_score":0.38501305133104324},{"text":"That'd be good.","start":550.385,"end":551.365,"sentiment":"positive","sentiment_score":0.6259590188662211},{"text":"I think that's one of the last pieces of the puzzle, so it's all good.","start":551.985,"end":555.765,"sentiment":"positive","sentiment_score":0.49544605215390525},{"text":"Okay.","start":560.91,"end":561.41,"sentiment":"neutral","sentiment_score":0.1605253964662552}],"sentiment":"positive","sentiment_score":0.4437851246732932,"num_words":26,"start":548.305,"end":561.41},{"sentences":[{"text":"Alright.","start":561.55,"end":562.05,"sentiment":"neutral","sentiment_score":0.1493525505065918},{"text":"Oh, it's like I don't know.","start":572.645,"end":574.025,"sentiment":"neutral","sentiment_score":-0.021690946926052373},{"text":"Let's do this form.","start":575.04504,"end":577.885,"sentiment":"neutral","sentiment_score":-0.0060232284013181925},{"text":"Oh, great.","start":578.16504,"end":578.825,"sentiment":"neutral","sentiment_score":0.19046806544065475},{"text":"Okay.","start":580.48505,"end":580.98505,"sentiment":"neutral","sentiment_score":0.12732231616973877}],"sentiment":"neutral","sentiment_score":0.035955171599718075,"num_words":14,"start":561.55,"end":580.98505},{"sentences":[{"text":"I'll re I'll find that and resend that to you and somewhere in my documents that I've created that, and I and it's for one.","start":581.125,"end":587.98004,"sentiment":"neutral","sentiment_score":0.11226854950189591},{"text":"Alright.","start":588.60004,"end":588.92004,"sentiment":"neutral","sentiment_score":0.14881393313407898},{"text":"I'll resend that by the terribly.","start":588.92004,"end":590.28,"sentiment":"neutral","sentiment_score":0.14402511715888977},{"text":"It's here.","start":590.28,"end":590.44,"sentiment":"neutral","sentiment_score":0.1699027493596077},{"text":"But if you're happy with that scan, then I can just get told to do it again for me today.","start":590.44,"end":596.22003,"sentiment":"neutral","sentiment_score":0.2912373572587967}],"sentiment":"neutral","sentiment_score":0.18489316699129563,"num_words":54,"start":581.125,"end":596.22003},{"sentences":[{"text":"Alright.","start":596.44,"end":596.84,"sentiment":"neutral","sentiment_score":0.10058539360761642},{"text":"I'll make a motion for that.","start":596.84,"end":598.305,"sentiment":"neutral","sentiment_score":0.06838725755612056},{"text":"Yeah.","start":602.785,"end":603.285,"sentiment":"neutral","sentiment_score":0.05676526576280594},{"text":"Yeah.","start":604.145,"end":604.545,"sentiment":"neutral","sentiment_score":0.018280137330293655},{"text":"I'm trying to do 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see.","start":632.635,"end":633.455,"sentiment":"neutral","sentiment_score":-0.04563483720024427},{"text":"Yes.","start":633.515,"end":634.015,"sentiment":"neutral","sentiment_score":-0.021815842017531395}],"sentiment":"neutral","sentiment_score":-0.1282617144148659,"num_words":27,"start":618.05,"end":634.015},{"sentences":[{"text":"That's the one that came off the that was the one actually that they chatbot sent me to.","start":637.05005,"end":642.27,"sentiment":"neutral","sentiment_score":-0.06486620981660154},{"text":"So is that not perfect?","start":642.41003,"end":643.55005,"sentiment":"neutral","sentiment_score":-0.14962093010544777},{"text":"Yes.","start":650.49005,"end":650.99005,"sentiment":"neutral","sentiment_score":-0.1605597734451294},{"text":"Alright.","start":656.245,"end":656.745,"sentiment":"neutral","sentiment_score":0.03974224254488945},{"text":"About twenty minutes, if that's right.","start":677.51,"end":680.14996,"sentiment":"neutral","sentiment_score":0.05212875703970591}],"sentiment":"neutral","sentiment_score":-0.055604561802841,"num_words":31,"start":637.05005,"end":680.14996},{"sentences":[{"text":"Do it do I have enough time?","start":680.14996,"end":681.405,"sentiment":"neutral","sentiment_score":0.025773240785513605},{"text":"Okay.","start":683.325,"end":683.825,"sentiment":"neutral","sentiment_score":0.11433016508817671},{"text":"Alright.","start":705.33997,"end":705.83997,"sentiment":"neutral","sentiment_score":0.15344487130641937},{"text":"Yes.","start":736.74,"end":737.085,"sentiment":"neutral","sentiment_score":0.026739032939076424},{"text":"Yep.","start":737.565,"end":737.885,"sentiment":"neutral","sentiment_score":0.08536133170127869}],"sentiment":"neutral","sentiment_score":0.05093528059395877,"num_words":11,"start":680.14996,"end":737.885},{"sentences":[{"text":"Definitely.","start":737.885,"end":738.385,"sentiment":"neutral","sentiment_score":0.15355044603347778},{"text":"Yep.","start":772.745,"end":773.245,"sentiment":"neutral","sentiment_score":0.024158459156751633},{"text":"Yep.","start":774.105,"end":774.605,"sentiment":"neutral","sentiment_score":0.3092191815376282},{"text":"Yes.","start":790.07,"end":790.57,"sentiment":"neutral","sentiment_score":0.07215747982263565},{"text":"Yes.","start":790.935,"end":791.435,"sentiment":"neutral","sentiment_score":0.11005772650241852}],"sentiment":"neutral","sentiment_score":0.13382865861058235,"num_words":5,"start":737.885,"end":791.435},{"sentences":[{"text":"Yes.","start":797.8125,"end":798.3125,"sentiment":"neutral","sentiment_score":0.10585665702819824},{"text":"Yes.","start":811.73,"end":812.23,"sentiment":"neutral","sentiment_score":-0.12628883123397827},{"text":"Yes.","start":815.81,"end":816.31,"sentiment":"neutral","sentiment_score":0.011332331225275992},{"text":"It's about $3.78, so not two months.","start":834.12,"end":836.62,"sentiment":"neutral","sentiment_score":-0.03665441593953541},{"text":"But you know that's, and you should have this information.","start":841.0,"end":843.965,"sentiment":"neutral","sentiment_score":0.054259167984128}],"sentiment":"neutral","sentiment_score":0.013845546264201402,"num_words":20,"start":797.8125,"end":843.965},{"sentences":[{"text":"So we do have an investment property as well.","start":843.965,"end":846.30505,"sentiment":"neutral","sentiment_score":0.08205522058738603},{"text":"So there's another one.","start":846.92505,"end":848.125,"sentiment":"neutral","sentiment_score":0.006308033363893628},{"text":"Yeah.","start":848.125,"end":848.625,"sentiment":"neutral","sentiment_score":0.0189138762652874},{"text":"Yeah.","start":849.405,"end":849.565,"sentiment":"neutral","sentiment_score":0.018416188657283783},{"text":"Yeah.","start":849.565,"end":850.065,"sentiment":"neutral","sentiment_score":0.012323945760726929}],"sentiment":"neutral","sentiment_score":0.05083644558908418,"num_words":16,"start":843.965,"end":850.065},{"sentences":[{"text":"Yeah.","start":854.125,"end":854.625,"sentiment":"neutral","sentiment_score":0.011690352112054825},{"text":"Yep.","start":862.21,"end":862.71,"sentiment":"neutral","sentiment_score":0.03113403543829918},{"text":"It's higher value now.","start":862.77,"end":863.97003,"sentiment":"neutral","sentiment_score":0.01876454520970583},{"text":"Both properties are increased in value, but that was a purchase price of $5.70 for the investment.","start":863.97003,"end":868.95,"sentiment":"neutral","sentiment_score":-0.020188383210231278},{"text":"Yep.","start":873.345,"end":873.845,"sentiment":"neutral","sentiment_score":-0.15221908688545227}],"sentiment":"neutral","sentiment_score":-0.015730793044591945,"num_words":24,"start":854.125,"end":873.845},{"sentences":[{"text":"From what?","start":890.2,"end":890.84,"sentiment":"neutral","sentiment_score":-0.11615245789289474},{"text":"I can't remember what we have.","start":890.84,"end":892.62,"sentiment":"neutral","sentiment_score":-0.19065339118242264},{"text":"2,000 is that per annum?","start":893.88,"end":895.74,"sentiment":"neutral","sentiment_score":-0.0734667457640171},{"text":"Yep.","start":897.72,"end":898.22,"sentiment":"neutral","sentiment_score":0.07798082381486893},{"text":"Yes.","start":910.65497,"end":911.15497,"sentiment":"neutral","sentiment_score":0.028987357392907143}],"sentiment":"neutral","sentiment_score":-0.10910605403284232,"num_words":15,"start":890.2,"end":911.15497},{"sentences":[{"text":"Yeah.","start":912.65497,"end":913.15497,"sentiment":"neutral","sentiment_score":0.02858009003102779},{"text":"Yeah.","start":918.31,"end":918.81,"sentiment":"neutral","sentiment_score":0.08030907809734344},{"text":"So I know it's low, particularly the death benefit, but I've got a lot of super.","start":920.47003,"end":929.875,"sentiment":"neutral","sentiment_score":0.2060685777105391},{"text":"Like, kids and childs are gonna get some of that.","start":930.735,"end":932.89496,"sentiment":"positive","sentiment_score":0.3746668964624405},{"text":"All that can go and pay mortgage and what have you.","start":932.89496,"end":935.615,"sentiment":"neutral","sentiment_score":0.231234378435395}],"sentiment":"neutral","sentiment_score":0.24862137279258326,"num_words":39,"start":912.65497,"end":935.615},{"sentences":[{"text":"So all my portion thereof will at least, you know, help a lot with that.","start":935.615,"end":940.435,"sentiment":"positive","sentiment_score":0.48374742865562437},{"text":"I'm actually not too fussed with it being that way.","start":941.66,"end":944.7,"sentiment":"neutral","sentiment_score":0.041361636109650136},{"text":"I don't wanna I'd rather not eat into my sleep by paying these high fees.","start":944.7,"end":948.64,"sentiment":"negative","sentiment_score":-0.43225526909033457},{"text":"So, yeah.","start":951.74,"end":954.455,"sentiment":"neutral","sentiment_score":-0.14925435557961464},{"text":"Yeah.","start":956.995,"end":957.495,"sentiment":"neutral","sentiment_score":-0.18079982697963717}],"sentiment":"neutral","sentiment_score":0.01643465619620889,"num_words":43,"start":935.615,"end":957.495},{"sentences":[{"text":"So I'd rather just leave 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leave it, let the super grow, and then, you know, I can do what they want with the money after that.","start":973.02,"end":981.795,"sentiment":"neutral","sentiment_score":0.005796834964443136},{"text":"So it's fine.","start":982.035,"end":982.755,"sentiment":"neutral","sentiment_score":0.08139147733648618}],"sentiment":"neutral","sentiment_score":0.01018427608704025,"num_words":33,"start":971.58,"end":982.755},{"sentences":[{"text":"I'll either I'll either use it and then and pay all the mortgages as we go or they can use it to pay off mortgage.","start":982.755,"end":989.235,"sentiment":"neutral","sentiment_score":0.042808344066143034},{"text":"Whatever.","start":989.235,"end":989.735,"sentiment":"neutral","sentiment_score":0.031175896525382996},{"text":"So, no, I think that's fine.","start":989.875,"end":991.415,"sentiment":"neutral","sentiment_score":-0.05481624572227398},{"text":"Yep.","start":991.475,"end":991.975,"sentiment":"neutral","sentiment_score":0.07333255559206009},{"text":"Yeah.","start":998.21,"end":998.71,"sentiment":"neutral","sentiment_score":0.007050521671772003}],"sentiment":"neutral","sentiment_score":0.025084414738504326,"num_words":34,"start":982.755,"end":998.71},{"sentences":[{"text":"Yeah.","start":1000.45,"end":1000.95,"sentiment":"neutral","sentiment_score":0.07466769218444824},{"text":"No.","start":1001.89,"end":1002.21,"sentiment":"neutral","sentiment_score":-0.016347233206033707},{"text":"I'm fine.","start":1002.21,"end":1002.95,"sentiment":"neutral","sentiment_score":0.021257905289530754},{"text":"Yeah.","start":1012.835,"end":1013.335,"sentiment":"neutral","sentiment_score":0.006632987409830093},{"text":"No.","start":1013.395,"end":1013.635,"sentiment":"neutral","sentiment_score":-0.26675888895988464}],"sentiment":"neutral","sentiment_score":-0.026548271998763084,"num_words":6,"start":1000.45,"end":1013.635},{"sentences":[{"text":"I think we just leave things as is.","start":1013.635,"end":1015.815,"sentiment":"neutral","sentiment_score":-0.1392892776057124},{"text":"Leave QC three in place because that's the only place that's holding whatever.","start":1016.195,"end":1019.575,"sentiment":"neutral","sentiment_score":-0.026722389559906263},{"text":"And it's just the Australian Super that's I don't know.","start":1020.995,"end":1023.635,"sentiment":"neutral","sentiment_score":-0.043536309897899625},{"text":"I got no.","start":1023.635,"end":1024.355,"sentiment":"neutral","sentiment_score":-0.1150234192609787},{"text":"I can't remember what it's holding, but it needs to just move across to Hub.","start":1024.355,"end":1028.6901,"sentiment":"neutral","sentiment_score":-0.06944259578982989}],"sentiment":"neutral","sentiment_score":-0.06701586895375228,"num_words":49,"start":1013.635,"end":1028.6901},{"sentences":[{"text":"Yeah.","start":1048.175,"end":1048.575,"sentiment":"positive","sentiment_score":0.3608017563819885},{"text":"I can definitely do that.","start":1048.575,"end":1050.355,"sentiment":"positive","sentiment_score":0.512296462059021},{"text":"I'll get that organized.","start":1051.935,"end":1053.075,"sentiment":"positive","sentiment_score":0.37227973341941833},{"text":"Where do I need to put that?","start":1053.455,"end":1054.975,"sentiment":"neutral","sentiment_score":0.05986935379249709},{"text":"So I'm gonna swap.","start":1054.975,"end":1056.355,"sentiment":"neutral","sentiment_score":0.0915630292147398}],"sentiment":"neutral","sentiment_score":0.24746383779815265,"num_words":21,"start":1048.175,"end":1056.355},{"sentences":[{"text":"So that means that it is Will Best going to q super and OCO going to hub.","start":1058.95,"end":1066.65,"sentiment":"neutral","sentiment_score":0.10713214558713577},{"text":"Okay.","start":1066.87,"end":1067.37,"sentiment":"neutral","sentiment_score":0.13269633054733276},{"text":"I can swap them.","start":1068.15,"end":1069.53,"sentiment":"neutral","sentiment_score":0.16086558997631073},{"text":"Room.","start":1074.1349,"end":1074.5349,"sentiment":"neutral","sentiment_score":0.14459243416786194},{"text":"Yes.","start":1074.5349,"end":1075.0349,"sentiment":"neutral","sentiment_score":0.11643050611019136}],"sentiment":"neutral","sentiment_score":0.11910117107133071,"num_words":24,"start":1058.95,"end":1075.0349},{"sentences":[{"text":"Oh, yeah.","start":1085.76,"end":1088.4,"sentiment":"neutral","sentiment_score":0.015752356965094805},{"text":"No.","start":1088.4,"end":1088.64,"sentiment":"neutral","sentiment_score":-0.05536904931068421},{"text":"That's fine.","start":1088.64,"end":1089.46,"sentiment":"neutral","sentiment_score":-0.01972283236682415},{"text":"I can I just tell them?","start":1090.56,"end":1093.78,"sentiment":"neutral","sentiment_score":-0.0237194091702501},{"text":"I work closely with both payroll people, so I just can't update it myself.","start":1094.08,"end":1098.5,"sentiment":"neutral","sentiment_score":-0.1428773951317583}],"sentiment":"neutral","sentiment_score":-0.08823639947921037,"num_words":25,"start":1085.76,"end":1098.5},{"sentences":[{"text":"So I don't know if it's all good.","start":1098.52,"end":1100.34,"sentiment":"neutral","sentiment_score":-0.18801785446703434},{"text":"I can do that.","start":1100.355,"end":1101.075,"sentiment":"neutral","sentiment_score":0.03053105343133211},{"text":"Yeah.","start":1101.075,"end":1101.235,"sentiment":"neutral","sentiment_score":0.0025271382182836533},{"text":"So there's $15,401.23 sitting in our super at the moment.","start":1101.235,"end":1106.4349,"sentiment":"neutral","sentiment_score":-0.021455839183181523},{"text":"So, yeah, I'll just shove that over.","start":1106.4349,"end":1108.0549,"sentiment":"neutral","sentiment_score":-0.03186873293348721}],"sentiment":"neutral","sentiment_score":-0.06057103353862961,"num_words":30,"start":1098.52,"end":1108.0549},{"sentences":[{"text":"15401.23.","start":1112.035,"end":1114.375,"sentiment":"neutral","sentiment_score":-0.011971207335591316},{"text":"As of today.","start":1118.4,"end":1119.38,"sentiment":"neutral","sentiment_score":-0.021287295346458752},{"text":"Yeah.","start":1121.6799,"end":1122.1799,"sentiment":"neutral","sentiment_score":-0.01979292184114456},{"text":"Australian Super.","start":1124.48,"end":1125.54,"sentiment":"neutral","sentiment_score":-0.016736588440835476},{"text":"So we're moving yeah.","start":1125.8401,"end":1126.9601,"sentiment":"neutral","sentiment_score":-0.048382045701146126}],"sentiment":"neutral","sentiment_score":-0.02932976135476069,"num_words":11,"start":1112.035,"end":1126.9601},{"sentences":[{"text":"We're moving Aussie Super and holding q.","start":1126.9601,"end":1129.335,"sentiment":"neutral","sentiment_score":0.07297860511711665},{"text":"She's got the there's no there's nothing in Australian Super for insurance and stuff.","start":1129.495,"end":1136.7749,"sentiment":"neutral","sentiment_score":-0.11336489314479488},{"text":"So yeah.","start":1136.7749,"end":1137.835,"sentiment":"neutral","sentiment_score":0.05070260725915432},{"text":"Yeah.","start":1151.64,"end":1152.14,"sentiment":"neutral","sentiment_score":0.03784653544425965},{"text":"Let's go yeah.","start":1152.6,"end":1154.68,"sentiment":"neutral","sentiment_score":0.03203911458452543}],"sentiment":"neutral","sentiment_score":-0.031144043499672855,"num_words":27,"start":1126.9601,"end":1154.68},{"sentences":[{"text":"Like, that we can we we can discuss at a later stage.","start":1154.68,"end":1158.075,"sentiment":"neutral","sentiment_score":0.05264999934782585},{"text":"I mean, we got the investment property in between that discussion and then and that's obviously not gone through super.","start":1158.075,"end":1163.615,"sentiment":"neutral","sentiment_score":-0.12953082621097564},{"text":"And we're still a couple of years away from citizenship.","start":1164.395,"end":1166.975,"sentiment":"neutral","sentiment_score":-0.3131386637687683},{"text":"So, yeah, we can just leave that for now.","start":1168.395,"end":1170.475,"sentiment":"neutral","sentiment_score":-0.08171927183866501},{"text":"I'm not ready to jump into that anytime soon.","start":1170.475,"end":1180.0299,"sentiment":"negative","sentiment_score":-0.3907065995865398}],"sentiment":"neutral","sentiment_score":-0.1557006002093355,"num_words":60,"start":1154.68,"end":1180.0299},{"sentences":[{"text":"Yeah.","start":1180.0299,"end":1180.5299,"sentiment":"neutral","sentiment_score":0.08780885487794876},{"text":"Yeah.","start":1186.83,"end":1187.33,"sentiment":"neutral","sentiment_score":0.09202483296394348},{"text":"Yeah.","start":1189.875,"end":1190.375,"sentiment":"neutral","sentiment_score":0.1574617177248001},{"text":"Okay.","start":1190.9149,"end":1191.315,"sentiment":"neutral","sentiment_score":0.2657151222229004},{"text":"Perfect.","start":1191.315,"end":1191.815,"sentiment":"positive","sentiment_score":0.3676568269729614}],"sentiment":"neutral","sentiment_score":0.19413347095251082,"num_words":5,"start":1180.0299,"end":1191.815},{"sentences":[{"text":"Not really, but we definitely do have roles in 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attorney.","start":1206.97,"end":1211.63,"sentiment":"neutral","sentiment_score":-0.0407635396854444},{"text":"Okay.","start":1216.4249,"end":1216.9249,"sentiment":"neutral","sentiment_score":-0.03147142380475998}],"sentiment":"neutral","sentiment_score":-0.07361589009181047,"num_words":39,"start":1200.1699,"end":1216.9249},{"sentences":[{"text":"Yeah.","start":1219.705,"end":1220.205,"sentiment":"neutral","sentiment_score":0.017860498279333115},{"text":"Yeah.","start":1221.865,"end":1222.365,"sentiment":"neutral","sentiment_score":-0.13481393456459043},{"text":"Yeah.","start":1224.745,"end":1225.245,"sentiment":"neutral","sentiment_score":-0.1384061574935913},{"text":"For sure.","start":1225.3999,"end":1225.7999,"sentiment":"neutral","sentiment_score":-0.15285270661115646},{"text":"I'm gonna just have to go and fish them out, find them, and have a look.","start":1225.7999,"end":1229.3999,"sentiment":"neutral","sentiment_score":-0.09924435848370194}],"sentiment":"neutral","sentiment_score":-0.10233213060668536,"num_words":21,"start":1219.705,"end":1229.3999},{"sentences":[{"text":"But if it was a question that we were asked and it was just the standard part of the wheel, then it would have been done.","start":1229.3999,"end":1235.1,"sentiment":"neutral","sentiment_score":-0.05513760246909582},{"text":"But if it's a little, you know, side note that sometimes little people or trust these don't pick up, then maybe not.","start":1235.5599,"end":1241.965,"sentiment":"neutral","sentiment_score":-0.0868077181618322},{"text":"But yeah.","start":1242.265,"end":1242.8251,"sentiment":"neutral","sentiment_score":-0.02542555285617709},{"text":"Okay.","start":1242.8251,"end":1243.145,"sentiment":"neutral","sentiment_score":0.031099263578653336},{"text":"I'll have a look and get that back to you, and I'll send you an email and let you know when the swap's being done and take on that power of attorney.","start":1243.145,"end":1249.085,"sentiment":"neutral","sentiment_score":0.08969527075532824}],"sentiment":"neutral","sentiment_score":-0.0059379595387951435,"num_words":83,"start":1229.3999,"end":1249.085},{"sentences":[{"text":"Okay.","start":1256.105,"end":1256.605,"sentiment":"neutral","sentiment_score":0.10084833949804306},{"text":"Yep.","start":1257.51,"end":1258.01,"sentiment":"neutral","sentiment_score":0.14180998504161835},{"text":"Okay.","start":1259.27,"end":1259.77,"sentiment":"neutral","sentiment_score":0.29631686210632324},{"text":"Super.","start":1259.91,"end":1260.39,"sentiment":"positive","sentiment_score":0.5829852819442749},{"text":"Excellent.","start":1260.39,"end":1260.89,"sentiment":"positive","sentiment_score":0.6429790258407593}],"sentiment":"positive","sentiment_score":0.35298789888620374,"num_words":5,"start":1256.105,"end":1260.89},{"sentences":[{"text":"IPhone.","start":1272.925,"end":1273.425,"sentiment":"neutral","sentiment_score":0.06400378793478012},{"text":"Yeah.","start":1276.125,"end":1276.625,"sentiment":"neutral","sentiment_score":0.06920678168535233},{"text":"Yeah.","start":1279.005,"end":1279.485,"sentiment":"neutral","sentiment_score":0.14589166641235352},{"text":"Sounds good.","start":1279.485,"end":1280.305,"sentiment":"neutral","sentiment_score":0.23473564535379407},{"text":"Yep.","start":1290.38,"end":1290.88,"sentiment":"neutral","sentiment_score":-0.10726235806941986}],"sentiment":"neutral","sentiment_score":0.10688519477844238,"num_words":6,"start":1272.925,"end":1290.88},{"sentences":[{"text":"All good.","start":1292.3,"end":1293.12,"sentiment":"neutral","sentiment_score":0.19639453291893005},{"text":"Okay.","start":1293.3401,"end":1293.8401,"sentiment":"neutral","sentiment_score":0.12585105001926422},{"text":"Sounds good.","start":1293.9,"end":1294.72,"sentiment":"neutral","sentiment_score":0.18719124794006348},{"text":"No.","start":1298.7001,"end":1299.075,"sentiment":"neutral","sentiment_score":-0.049877848476171494},{"text":"That's it.","start":1299.1549,"end":1299.8949,"sentiment":"neutral","sentiment_score":-0.03221189137548208}],"sentiment":"neutral","sentiment_score":0.09734012256376445,"num_words":8,"start":1292.3,"end":1299.8949},{"sentences":[{"text":"Did your colleague get back to that whether the form is the latest, the 08/19/2019 whatever, 2,005 for the beneficiary?","start":1300.0349,"end":1308.135,"sentiment":"neutral","sentiment_score":-0.016611465287860484},{"text":"Okay.","start":1310.5149,"end":1310.9149,"sentiment":"neutral","sentiment_score":0.13792207837104797},{"text":"Cool.","start":1310.9149,"end":1311.4149,"sentiment":"neutral","sentiment_score":0.1942664533853531},{"text":"Alright.","start":1311.66,"end":1311.9,"sentiment":"neutral","sentiment_score":0.14066575467586517},{"text":"Okay.","start":1311.9,"end":1312.38,"sentiment":"neutral","sentiment_score":0.15743470191955566}],"sentiment":"neutral","sentiment_score":0.012419153441442177,"num_words":24,"start":1300.0349,"end":1312.38},{"sentences":[{"text":"I'll get the little boxes ticked and resend it to you and get that underway.","start":1312.38,"end":1318.0,"sentiment":"neutral","sentiment_score":0.23715289930502573},{"text":"Excellent.","start":1318.2201,"end":1318.7201,"sentiment":"positive","sentiment_score":0.6125560998916626},{"text":"Thank you very much.","start":1318.78,"end":1319.8401,"sentiment":"positive","sentiment_score":0.720413014292717},{"text":"Alright.","start":1323.8201,"end":1324.3201,"sentiment":"neutral","sentiment_score":0.0676439106464386},{"text":"Okay.","start":1332.155,"end":1332.555,"sentiment":"positive","sentiment_score":0.4745079278945923}],"sentiment":"positive","sentiment_score":0.345166067508134,"num_words":22,"start":1312.38,"end":1332.555},{"sentences":[{"text":"Awesome.","start":1332.555,"end":1333.055,"sentiment":"positive","sentiment_score":0.8158257603645325},{"text":"Super.","start":1333.355,"end":1333.675,"sentiment":"positive","sentiment_score":0.8208158016204834},{"text":"Thanks very much, Connie.","start":1333.675,"end":1334.895,"sentiment":"positive","sentiment_score":0.8771964609622955},{"text":"Okay.","start":1338.9229,"end":1339.4229,"sentiment":"positive","sentiment_score":0.3662872314453125},{"text":"Super.","start":1339.643,"end":1340.0428,"sentiment":"positive","sentiment_score":0.6581379771232605}],"sentiment":"positive","sentiment_score":0.7712315768003464,"num_words":8,"start":1332.555,"end":1340.0428},{"sentences":[{"text":"Thank you very much.","start":1340.0428,"end":1341.0029,"sentiment":"positive","sentiment_score":0.7861590087413788},{"text":"Bye.","start":1341.0029,"end":1341.5029,"sentiment":"positive","sentiment_score":0.4406079649925232}],"sentiment":"positive","sentiment_score":0.7170487999916076,"num_words":5,"start":1340.0428,"end":1341.5029}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hi. My name is speaking.\n\nChannel 0: Hi, Monique. It's Tommy here, senior adviser from Oakview. How are you going today?\n\nChannel 1: Good. Thanks. How are you?\n\nChannel 0: I'm doing absolutely fantastic. Thank you for taking my call. I'm\n\nChannel 1: Okay.\n\nChannel 0: just giving you a call to go through a few updates with you after your email. Do you have a\n\nChannel 1: Yes.\n\nChannel 0: bit of time for me?\n\nChannel 1: Yeah. Sure.\n\nChannel 0: Perfect. Now just before I get into it, I will need to go through a quick security check with you. Is that okay?\n\nChannel 1: Yes. That's good.\n\nChannel 0: Perfect. So as always, calls are recorded for training and quality purposes, and I'm registered with Asica's adviser 1273105. Could you please confirm your date of birth address?\n\nChannel 1: Thirteen twelve seventy four, and it's Unit 21824 Wyatt Street, Newstead, Queensland 4006.\n\nChannel 0: Sensational. Thank you for that, Monique. And, again, thank you so much for taking the time to chat with me today. I have quite a few documents open at the moment, and I've just kind of gone through a full recap of everything that's been going on with your file and all the things that we were looking to do. What\n\nChannel 1: Yes.\n\nChannel 0: I was aiming to do today was just to double check a couple of things just to make sure they hadn't changed\n\nChannel 1: Okay.\n\nChannel 0: and then kind of finish off putting a bit of a plan together for you to send through, which I have put to the top\n\nChannel 1: Alright.\n\nChannel 0: of the list, if that's okay.\n\nChannel 1: Yes.\n\nChannel 0: Cool. Just because it has been a little while since we last spoke, I just wanna\n\nChannel 1: Yeah.\n\nChannel 0: make sure that all the goals are the same and that we're still\n\nChannel 1: Yeah.\n\nChannel 0: aiming in the same direction.\n\nChannel 1: Just one thing because I don't wanna forget it, but I need to I need to sort out my beneficiaries on hub twenty four. So\n\nChannel 0: Yes.\n\nChannel 1: I don't know if you can help me with that. I did print them and do some. But anyway, that is something I have to finalize with you today as well just in our little test so we put that wherever.\n\nChannel 0: Absolutely. Now I'll jump into that first because that's nice\n\nChannel 1: Okay.\n\nChannel 0: and easy. But before I do so, we I had a note down there that you were still going through updating some identification for name changes, and I'm wondering if that's actually been finalized\n\nChannel 1: It's\n\nChannel 0: or not.\n\nChannel 1: still not. I don't know what it is. It's just that I physically gotta get myself some places. If I could do it online, it'd be great. But I've actually gotta go to the host office.\n\nI gotta go to TMI. I just don't have time. So, no, it's\n\nChannel 0: Who's\n\nChannel 1: still under\n\nChannel 0: got the\n\nChannel 1: Reuben,\n\nChannel 0: time?\n\nChannel 1: unfortunately. So\n\nChannel 0: That is okay. I just wanna make\n\nChannel 1: I\n\nChannel 0: sure if\n\nChannel 1: have\n\nChannel 0: we had\n\nChannel 1: to get\n\nChannel 0: to do\n\nChannel 1: that\n\nChannel 0: any\n\nChannel 1: done.\n\nChannel 0: documents that I did\n\nChannel 1: Yeah. No.\n\nChannel 0: update that. Okay. So let me just pull up your Hub twenty four account. One good thing I can at least tell you is that you've had some pretty good growth out of the super, and you've eclipsed over 300,000 now\n\nChannel 1: Yeah.\n\nChannel 0: even\n\nChannel 1: Which\n\nChannel 0: with the\n\nChannel 1: is\n\nChannel 0: market\n\nChannel 1: correct.\n\nChannel 0: going crazy. So 11\n\nChannel 1: Yeah.\n\nChannel 0: percent net return, things are looking on the up and up\n\nChannel 1: That's\n\nChannel 0: despite the fires around\n\nChannel 1: good. Yeah.\n\nChannel 0: you.\n\nChannel 1: That\n\nChannel 0: Okay.\n\nChannel 1: is good.\n\nChannel 0: Now I'm having a look through our last estate planning discussion. There was a few things in mind, but who were you wanting to nominate?\n\nChannel 1: So I've got my two sons and then my partner. So 30\n\nChannel 0: Yeah.\n\nChannel 1: 5% each to the kids and 30% to child.\n\nChannel 0: 35, 35, and 30. Now do you remember the nomination types?\n\nChannel 1: No. What is that?\n\nChannel 0: So when\n\nChannel 1: I\n\nChannel 0: you\n\nChannel 1: think.\n\nChannel 0: do a beneficiary nomination, you can\n\nChannel 1: Oh,\n\nChannel 0: choose\n\nChannel 1: yes.\n\nChannel 0: whether it expires or not.\n\nChannel 1: Yeah. No. I think we can leave those in place. So non\n\nChannel 0: Okay.\n\nChannel 1: ex non non expiry ones.\n\nChannel 0: Yep. So if even if we do an on lapsing, we check it with you every year anyway. So if there is something\n\nChannel 1: Yes.\n\nChannel 0: we need to update,\n\nChannel 1: Okay.\n\nChannel 0: we'll bring it up with you as well.\n\nChannel 1: Yes. That's fine.\n\nChannel 0: Okay? And I'm assuming you would like this nomination to be legally binding.\n\nChannel 1: Yes, please.\n\nChannel 0: Sensational. Now to make things a bit easier, would you like me to take down everyone's details and pre fill the forms for you?\n\nChannel 1: Yeah. That's good. So what actually happens so you'll you'll do them, what, send them out to me and I've gotta sign it? Because I've actually printed them, done this whole thing, and I do have a signed copy here and witnessed. But then I don't know\n\nChannel 0: Oh,\n\nChannel 1: what to actually do with it because Hub twenty four doesn't do I scan it back and email it to you? Do I have to post it in? What do I actually have to do with it? Doesn't\n\nChannel 0: yeah.\n\nChannel 1: doesn't\n\nChannel 0: So\n\nChannel 1: say.\n\nChannel 0: normally, because they're, like, a legal binding document, you've done the the signing on paper and witnessing.\n\nChannel 1: Yes.\n\nChannel 0: And we do actually, like, generally speaking, post them or we scan them up into Hub 24 because it has to be a wet signature for a legal document. The only thing I wanna check is when did you actually get those signed? Because if they have a new form, it may have\n\nChannel 1: Okay.\n\nChannel 0: expired.\n\nChannel 1: Oh, no. I needed this last week.\n\nChannel 0: Oh, sensational.\n\nChannel 1: Mhmm. Yes. On on Tuesday last week, I thought everybody should do it, and then I didn't I then I had them, and I'm like, oh, I don't know what to do with them. And I knew I was having this call with you today. So I thought, okay, I'll just wait until today.\n\nChannel 0: Okay.\n\nChannel 1: So am I posting them to somewhere?\n\nChannel 0: Let me actually double check with the team because I know Hub's very, very good with us being able to upload scanned documents.\n\nChannel 1: Okay.\n\nChannel 0: But did you already have a scanned copy of them that you can send through to us\n\nChannel 1: I\n\nChannel 0: as well?\n\nChannel 1: do have them. Sorry. Let me get this to my computer. I do have them scanned for me so I can email them through. A bit of a funny looking scan, but tell me if that's okay.\n\nOtherwise, I'll rescan them when I go into work tomorrow for a better one, but maybe not I hate opening up my emails. There's always the bills to pay.\n\nChannel 0: I\n\nChannel 1: Okay.\n\nChannel 0: know every time there's something in there saying, hey, reminder notice.\n\nChannel 1: Yeah. To who is my beneficiary, can I email them straight to you now and you can check them and see if you're happy with them?\n\nChannel 0: Yes. That would be fantastic.\n\nChannel 1: So what's\n\nChannel 0: Do you\n\nChannel 1: the\n\nChannel 0: have\n\nChannel 1: email?\n\nChannel 0: my email still there? So it's Tommy, t o, m m, y,\n\nChannel 1: No. Yes?\n\nChannel 0: at Oakview Financial. Bit of a mouthful.\n\nChannel 1: Dot com dot a u.\n\nChannel 0: Correct.\n\nChannel 1: Okay. Alright. And I'm just gonna say Monique Rubin. Anyway, 24 beneficiaries. Okay.\n\nI'm gonna I'm I'm just sending it as is. I haven't even said hi for me. Sorry. It's just going to.\n\nChannel 0: No. That's okay. I won't get offended. I'll know what it's for. It's\n\nChannel 1: Yeah.\n\nChannel 0: okay.\n\nChannel 1: That's fine. If they if it's not clear enough or what have you, let me know, and then I'll scan them in in a big scanner tomorrow and resend them to you.\n\nChannel 0: Yep. No worries. Now I'll just give that a minute to come through, and I'll quickly\n\nChannel 1: Yeah.\n\nChannel 0: check them just to make sure that we're not sending off forms that need to be corrected.\n\nChannel 1: Okay.\n\nChannel 0: Do you mind if I put you on a quick, like, forty second hold? I\n\nChannel 1: Yes.\n\nChannel 0: just wanna\n\nChannel 1: That's\n\nChannel 0: double\n\nChannel 1: fine.\n\nChannel 0: check with the team the best way to get that done for you.\n\nChannel 1: Alright. No worries.\n\nChannel 0: Cool. This'll be the only time, and I won't be\n\nChannel 1: Okay.\n\nChannel 0: very long.\n\nChannel 1: Alright. All good.\n\nChannel 0: Thank you. Thank you so much for holding there.\n\nChannel 1: No worries.\n\nChannel 0: So I have double checked with the team. Hub is fantastic in that we can upload the signed copies from our portal, and\n\nChannel 1: Okay.\n\nChannel 0: that will be applied the quickest rather than waiting for snail mail.\n\nChannel 1: Okay. That'd be great. So why I'm chasing these and meeting them at the moment is we're doing Charles and I are doing a partnership visa, and our next thing is all our supporting documents. So at the end of this month, we want to actually, on the June 11, we're gonna be submitting and part of supporting stuff is having beneficiary form. So I kinda need a an official hub twenty four letter saying your beneficiaries are blah blah blah blah.\n\nSo how quickly can I get that once you've uploaded these into hub\n\nChannel 0: Oh,\n\nChannel 1: 20\n\nChannel 0: yes.\n\nChannel 1: four?\n\nChannel 0: So either they'll send\n\nChannel 1: Yep.\n\nChannel 0: us a confirmation that the beneficiaries are in place, and failing that, we can generate, like, an account statement, which should list them as well. I just\n\nChannel 1: Okay.\n\nChannel 0: know every Superfund's a little bit different with how they\n\nChannel 1: Yep.\n\nChannel 0: display the information, but I can definitely\n\nChannel 1: Yep. Okay.\n\nChannel 0: put a request in to have that sent through a s ASAP.\n\nChannel 1: Yes. Yes.\n\nChannel 0: When\n\nChannel 1: That'd\n\nChannel 0: would\n\nChannel 1: be\n\nChannel 0: you\n\nChannel 1: great.\n\nChannel 0: need that by?\n\nChannel 1: If I can get it this week, that'd be amazing. Otherwise, early next week. So the sooner the better because I just wanna get everything off to the lawyers\n\nChannel 0: Yeah.\n\nChannel 1: so there's a time to check everything and ask us for anything else. But yeah. So\n\nChannel 0: No. That's perfect.\n\nChannel 1: just a little\n\nChannel 0: The only\n\nChannel 1: bit.\n\nChannel 0: reason why I mentioned that is because once we've got that submitted, it'll take them the usual couple days to process it, and\n\nChannel 1: Yeah.\n\nChannel 0: then it'll appear on the account and we can download\n\nChannel 1: Okay.\n\nChannel 0: reports. So I don't wanna I I won't get it to you by Friday. That's all.\n\nChannel 1: Alright. No. That's fine. Early next week. Oh, next week's fine.\n\nThat'd be good. I\n\nChannel 0: K.\n\nChannel 1: think that's\n\nChannel 0: So\n\nChannel 1: one of the last pieces of the puzzle, so it's all good.\n\nChannel 0: sure is. I'm having a quick look at the forms. The scans actually come through pretty clearly, so that's great.\n\nChannel 1: Okay. Alright.\n\nChannel 0: On the beneficiary nominations where you've got Joshua, Matthew, and Charles on there, you will need to tick the relationship for Matthew and Charles.\n\nChannel 1: Oh, it's like I don't know.\n\nChannel 0: We've got child\n\nChannel 1: Let's\n\nChannel 0: on the first one,\n\nChannel 1: do\n\nChannel 0: but then it's blank\n\nChannel 1: this\n\nChannel 0: blank for the next\n\nChannel 1: form.\n\nChannel 0: two.\n\nChannel 1: Oh, great. Okay. I'll re I'll find that and resend that to you and somewhere in my documents that I've created that, and I and it's for one. Alright.\n\nChannel 0: Yep.\n\nChannel 1: I'll resend that by the terribly. It's here. But if you're happy with that scan, then I can just get told to do it again for me today. Alright. I'll make\n\nChannel 0: Yeah.\n\nChannel 1: a motion\n\nChannel 0: That\n\nChannel 1: for\n\nChannel 0: should\n\nChannel 1: that.\n\nChannel 0: be fine. Look. Even if you just tick the boxes, rescan them up, and and\n\nChannel 1: Yeah.\n\nChannel 0: send them through, that's okay.\n\nChannel 1: Yeah. I'm trying to\n\nChannel 0: We\n\nChannel 1: do\n\nChannel 0: have\n\nChannel 1: that.\n\nChannel 0: both witnesses, which is great, and your signature on the fifth the fifth.\n\nChannel 1: I don't even know how that spouse one works because it's actually not correct. Josh is my son. That's actually child child foul.\n\nChannel 0: Now I can see that this is the nineteenth\n\nChannel 1: Oh, I see.\n\nChannel 0: of August\n\nChannel 1: Yes.\n\nChannel 0: twenty twenty five forms.\n\nChannel 1: That's the one that came off the that was the one actually that they chatbot sent me to. So is that\n\nChannel 0: Yep.\n\nChannel 1: not perfect?\n\nChannel 0: I'm just gonna double check it because these super funds tend to update their documents very sporadically. And\n\nChannel 1: Yes.\n\nChannel 0: if there's a new beneficiary, they won't accept it. So I'm just gonna make sure I've actually got all of that there.\n\nChannel 1: Alright.\n\nChannel 0: Death benefit claim form, beneficiary nomination guide. We don't need a guide. We need the actual forms. And, Monique, just so I can gauge things a little bit, how much time do I have with you today in case I need to speed it up a little bit?\n\nChannel 1: About twenty minutes, if\n\nChannel 0: Yep.\n\nChannel 1: that's right.\n\nChannel 0: Okay.\n\nChannel 1: Do it do I have enough time?\n\nChannel 0: No. That should be fine.\n\nChannel 1: Okay.\n\nChannel 0: I'm just gonna send a quick message to one of my staff members, and I'll just say, can you please check the most up to date hub beneficiary forms? Is 08/19/2025 current? And I'll let them get that back to us by the end of the call.\n\nChannel 1: Alright.\n\nChannel 0: Okay. Outside of that, so just to confirm what we were doing to make sure you're still happy with all those ideas is your Hub twenty four is in, like, a growth super fund, four out of five on the risk scale. We were doing a little bit of an update to the portfolio just because the world's kind of gone a little bit on fire at the moment. We were doing a consolidation of the Australian super, but possibly leaving the q super alone because of the insurances it had. Does that ring\n\nChannel 1: Yes.\n\nChannel 0: a bell?\n\nChannel 1: Yep. Definitely.\n\nChannel 0: Yep. Now I've actually gone through all of the notes from your previous application and the discussion that you had with Dana around the insurance side of things. And I just wanna give you a quick idea here because I wanna just kind of cut short what the options are essentially. So with your q but one of the concerns that we had, obviously, was that it has a very low life insurance amount of about 15,000, which doesn't do much for covering the mortgage, but your TBD is more like 260,000, so it's a lot closer\n\nChannel 1: Yep.\n\nChannel 0: to the mark.\n\nChannel 1: Yep.\n\nChannel 0: The income protection is in there, and it's it's kind of great. It's just a little bit low compared to your income, which I think we had. You're working for both Oco Eye Specialist and Wilson Investment Group doing\n\nChannel 1: Yes.\n\nChannel 0: split payroll.\n\nChannel 1: Yes.\n\nChannel 0: Yep. Total income for the year floating around about the 95\n\nChannel 1: Yes.\n\nChannel 0: thousand dollar mark, would that be pretty close for this financial year? K. So one of the things that we were going to do was looking at replacement insurances, and there was some previous health concerns, and\n\nChannel 1: Yes.\n\nChannel 0: that led to a previous decline with MetLife. Does that ring a bell as well?\n\nChannel 1: Yes.\n\nChannel 0: K. Now just to kind of shorten the options there, I did a quote through QSuper to look at increasing their life and TPD cover in line with your mortgage, which was about 382,000. Has that changed a bit?\n\nChannel 1: It's about $3.78, so not two months.\n\nChannel 0: Okay. So $378,000, not too much.\n\nChannel 1: But you\n\nChannel 0: Now\n\nChannel 1: know\n\nChannel 0: one\n\nChannel 1: that's,\n\nChannel 0: of\n\nChannel 1: and you should\n\nChannel 0: yep.\n\nChannel 1: have this information. So we do have an investment property as well.\n\nChannel 0: Correct.\n\nChannel 1: So there's\n\nChannel 0: Which I\n\nChannel 1: another\n\nChannel 0: think\n\nChannel 1: one. Yeah.\n\nChannel 0: another\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: sorry. It's all here. I've got the offset account, the contents, the\n\nChannel 1: Yeah.\n\nChannel 0: investment property, which you had split between the investment and equity portion. It was valued at $5.70, and that was in Newstead. Correct?\n\nChannel 1: Yep. It's higher value now. Both properties are increased in value, but that was a purchase price of $5.70 for the investment.\n\nChannel 0: Yep. And there was about $5.95 of debt all up on that one. Now\n\nChannel 1: Yep.\n\nChannel 0: there is you're kind of limited in what we can obtain in your increased insurances. Even if we increase your q super to just cover your main mortgage and top up your income protection, it was jumping up to about $3,600.\n\nChannel 1: From what? I can't remember what we have.\n\nChannel 0: I will\n\nChannel 1: 2,000\n\nChannel 0: grab that\n\nChannel 1: is that\n\nChannel 0: up\n\nChannel 1: per annum?\n\nChannel 0: per annum. Yes.\n\nChannel 1: Yep.\n\nChannel 0: Now I can pull up the q super as well. I'm just gonna grab your last summary document. And that's assuming it goes through, of course, like the\n\nChannel 1: Yes.\n\nChannel 0: underwriting side of things\n\nChannel 1: Yeah.\n\nChannel 0: and gets through medically, but that's just covering mortgage and income.\n\nChannel 1: Yeah. So I know it's low, particularly the death benefit, but I've got a lot of super. Like, kids and childs are gonna get some of that. All that can go and pay mortgage and what have you. So all my portion thereof will at least, you know, help a lot with that.\n\nI'm actually not too fussed with it being that way. I don't wanna I'd rather not eat into my sleep by paying these high fees.\n\nChannel 0: Yes. That's what I was thinking, and that's what I\n\nChannel 1: So,\n\nChannel 0: wanted to talk to you about today because\n\nChannel 1: yeah.\n\nChannel 0: increasing it's gonna really slow down your super growth.\n\nChannel 1: Yeah.\n\nChannel 0: You have\n\nChannel 1: So\n\nChannel 0: a lot\n\nChannel 1: I'd\n\nChannel 0: of\n\nChannel 1: rather\n\nChannel 0: people\n\nChannel 1: just\n\nChannel 0: there to\n\nChannel 1: leave\n\nChannel 0: cover\n\nChannel 1: it.\n\nChannel 0: the debts. So if\n\nChannel 1: Yeah.\n\nChannel 0: you're okay to leave it,\n\nChannel 1: Yeah.\n\nChannel 0: yeah, it's 1,900 currently for the life, the TPD, and the income protection. So go\n\nChannel 1: Mhmm.\n\nChannel 0: up another 1,600 at least.\n\nChannel 1: Yeah. Yeah. No. Look. I think I think just just leave it, let the super grow, and then, you know, I can do what they want with the money after that.\n\nSo it's\n\nChannel 0: Yeah.\n\nChannel 1: fine. I'll either I'll either use it and then and pay all the mortgages as we go or they can use it to pay off mortgage. Whatever.\n\nChannel 0: And\n\nChannel 1: So,\n\nChannel 0: that's\n\nChannel 1: no,\n\nChannel 0: the\n\nChannel 1: I\n\nChannel 0: thing\n\nChannel 1: think\n\nChannel 0: too\n\nChannel 1: that's\n\nChannel 0: is\n\nChannel 1: fine. Yep.\n\nChannel 0: you've got the 300 with hub. You've got the amount that's with q super plus the the life insurance. So if you did pass\n\nChannel 1: Yeah.\n\nChannel 0: away, the mortgage is pretty well cleared.\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: No. I'm\n\nChannel 0: The\n\nChannel 1: fine.\n\nChannel 0: only other option was I could do, like, a top up life insurance quote, but then with a potential loading or exclusion on that, that might be a couple of grand just by itself.\n\nChannel 1: Yeah. No. I think we just leave things as is. Leave QC\n\nChannel 0: Yep.\n\nChannel 1: three in place because that's the only place that's holding whatever.\n\nChannel 0: Mhmm.\n\nChannel 1: And it's just the Australian Super that's I don't know. I got no. I can't remember what it's holding, but it needs to just move across to Hub.\n\nChannel 0: Yep. Perfect. So we'll do the consolidation. I'll update your hub portfolio. We were gonna switch your contributions around so that the larger portion went into hub and the smaller portion went to QSuper for the insurances.\n\nI'm not sure if we already actioned that, but if you're still comfortable with that idea of redirecting to the growth fund.\n\nChannel 1: Yeah. I can definitely do that. I'll get that organized. Where do I need to put that? So I'm gonna swap.\n\nSo that means that it is Will Best going to q super and OCO going to hub. Okay.\n\nChannel 0: Yep.\n\nChannel 1: I can\n\nChannel 0: Now\n\nChannel 1: swap\n\nChannel 0: you\n\nChannel 1: them.\n\nChannel 0: don't have to action that straight away. What I can do is I'm gonna put all of this in the updated statement\n\nChannel 1: Room.\n\nChannel 0: of advice\n\nChannel 1: Yes.\n\nChannel 0: documents so you've got the plan, and then we will help you implement it. We'll do the rollovers. We'll send you SGC forms if that helps to redirect unless you're comfortable with telling your payroll\n\nChannel 1: Oh,\n\nChannel 0: which account details to go into, but we can provide\n\nChannel 1: yeah.\n\nChannel 0: you\n\nChannel 1: No.\n\nChannel 0: some\n\nChannel 1: That's\n\nChannel 0: documents.\n\nChannel 1: fine. I can I just tell them? I work closely with both payroll people, so I just can't update it myself. So I don't\n\nChannel 0: Perfect.\n\nChannel 1: know if it's all good. I can do that. Yeah. So there's $15,401.23 sitting in our super at the moment. So, yeah, I'll just shove that over.\n\nChannel 0: Sorry. Did you say 15421?\n\nChannel 1: 15401.23.\n\nChannel 0: 15401.23 as of\n\nChannel 1: As\n\nChannel 0: the\n\nChannel 1: of\n\nChannel 0: thirteenth\n\nChannel 1: today.\n\nChannel 0: of the fifth. And\n\nChannel 1: Yeah.\n\nChannel 0: that was in QSuper.\n\nChannel 1: Australian Super.\n\nChannel 0: AustralianSuper.\n\nChannel 1: So we're moving\n\nChannel 0: Sorry.\n\nChannel 1: yeah. We're moving Aussie Super and holding q. She's got the there's no there's nothing in Australian Super for insurance\n\nChannel 0: Insurances.\n\nChannel 1: and stuff.\n\nChannel 0: Yeah.\n\nChannel 1: So yeah.\n\nChannel 0: K. There was a bit of a a holding pattern goal that we were gonna revisit even possibly self managed super funds once your partner's gone through all of those details, you know, like citizenship and\n\nChannel 1: Yeah.\n\nChannel 0: permanent\n\nChannel 1: Let's go\n\nChannel 0: residency wise.\n\nChannel 1: yeah. Like, that we can we we can discuss at a later stage. I mean, we got the investment property in between that discussion and then and that's obviously not gone through super.\n\nChannel 0: Yeah.\n\nChannel 1: And we're still a couple of years away from citizenship. So, yeah, we can just leave that for now. I'm not ready to jump into that\n\nChannel 0: Perfect.\n\nChannel 1: anytime\n\nChannel 0: So for the time being, we'll do the super switches for the contributions, the consolidation, the portfolio.\n\nChannel 1: soon.\n\nChannel 0: We'll\n\nChannel 1: Yeah.\n\nChannel 0: revisit anything to do with property at a later date, leave the insurances as is, and\n\nChannel 1: Yeah.\n\nChannel 0: just update the beneficiaries in estate planning and so on.\n\nChannel 1: Yeah. Okay. Perfect.\n\nChannel 0: K. There was one quick note that you had a will in place, but possibly not the power of attorney. Does that ring a bell?\n\nChannel 1: Not really, but we definitely do have roles in place. I can't remember if there's any power of attorney in them. I'll have to look through that. So\n\nChannel 0: K.\n\nChannel 1: let me look through the rules and power of attorney.\n\nChannel 0: Yeah. That's one of just the closing up cleanups I wanted to double check because if it's in there\n\nChannel 1: Okay.\n\nChannel 0: that if you're incapacitated, who can talk to the doctors and manage\n\nChannel 1: Yeah.\n\nChannel 0: the bank accounts, that would be lovely.\n\nChannel 1: Yeah.\n\nChannel 0: I don't wanna put a yes in there if it's not actually been put into\n\nChannel 1: Yeah.\n\nChannel 0: place.\n\nChannel 1: For sure. I'm gonna just have to go and fish them out, find them, and have a look. But if it was a question that we were asked and it was just the standard part of the wheel, then it would have been done. But if it's a little, you know, side note that sometimes little\n\nChannel 0: Yep.\n\nChannel 1: people or\n\nChannel 0: Yeah.\n\nChannel 1: trust these don't pick up, then maybe not. But yeah. Okay. I'll have a look and get that back to you, and I'll send you an email and let you know when the swap's being done and take on that power of attorney.\n\nChannel 0: No worries. And worst case scenario, you can get a a power of attorney kit from the post office for $25 if you just wanna nominate your your\n\nChannel 1: Okay.\n\nChannel 0: partner to look after things,\n\nChannel 1: Yep.\n\nChannel 0: and it's a quick way to do it.\n\nChannel 1: Okay. Super. Excellent.\n\nChannel 0: Alright. Now when that document comes through to you, I'm basically gonna email it through to you straight away, and then I might see if we can just book in to have a quick chat to make sure you're comfortable with everything. But because you already\n\nChannel 1: IPhone.\n\nChannel 0: know what the plan is twice, I'm I'm sure\n\nChannel 1: Yeah.\n\nChannel 0: you'll let me know any questions if you do have any.\n\nChannel 1: Yeah. Sounds good.\n\nChannel 0: Yep. Some of the details of assets and liabilities, like I said, might be slightly out of date. I'll put the 378,000 in for the mortgage. But if anything is wildly inaccurate,\n\nChannel 1: Yep.\n\nChannel 0: please let me know, and I'll just get that amended.\n\nChannel 1: All good. Okay. Sounds good.\n\nChannel 0: Alrighty. Any other questions for me before I let you go?\n\nChannel 1: No. That's it. Did your colleague get back to that whether the form is the latest, the 08/19/2019 whatever, 2,005 for the beneficiary?\n\nChannel 0: Yes. That is the most current document.\n\nChannel 1: Okay. Cool. Alright. Okay. I'll get the little boxes ticked and resend it to you and get that underway.\n\nExcellent.\n\nChannel 0: Fantastic.\n\nChannel 1: Thank you very much.\n\nChannel 0: That's okay. I will have this off to you sometime next week. It's,\n\nChannel 1: Alright.\n\nChannel 0: again, top of the list, so I'm aiming for Monday, Tuesday. As soon as we get that signed, we're just gonna start moving investments and rolling funds around.\n\nChannel 1: Okay. Awesome. Super. Thanks very much, Connie.\n\nChannel 0: Amazing. Have a fantastic day. And if there's anything else, I'll give you a buzz.\n\nChannel 1: Okay. Super. Thank you very much. Bye.\n\nChannel 0: Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":0.56,"end":0.88,"sentiment":"neutral","sentiment_score":0.04584669321775437},{"text":"My name is speaking.","start":0.88,"end":1.78,"sentiment":"neutral","sentiment_score":0.04167449288070202}],"sentiment":"neutral","sentiment_score":0.04250893294811249,"channel":1,"num_words":5,"start":0.56,"end":1.78},{"sentences":[{"text":"Hi, Monique.","start":2.1599998,"end":2.8799999,"sentiment":"neutral","sentiment_score":0.14383190125226974},{"text":"It's Tommy here, senior adviser from Oakview.","start":2.8799999,"end":4.96,"sentiment":"neutral","sentiment_score":0.1634014184985842},{"text":"How are you going today?","start":4.96,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.2758499026298523}],"sentiment":"neutral","sentiment_score":0.20076594608170645,"channel":0,"num_words":14,"start":2.1599998,"end":6.2599998},{"sentences":[{"text":"Good.","start":6.24,"end":6.64,"sentiment":"positive","sentiment_score":0.5526920557022095},{"text":"Thanks.","start":6.64,"end":6.96,"sentiment":"positive","sentiment_score":0.6254594326019287},{"text":"How are you?","start":6.96,"end":7.7,"sentiment":"positive","sentiment_score":0.4134915868441264}],"sentiment":"positive","sentiment_score":0.48372524976730347,"channel":1,"num_words":5,"start":6.24,"end":7.7},{"sentences":[{"text":"I'm doing absolutely fantastic.","start":7.7599998,"end":9.54,"sentiment":"positive","sentiment_score":0.8142159134149551},{"text":"Thank you for taking my call.","start":9.76,"end":11.46,"sentiment":"positive","sentiment_score":0.7873907387256622},{"text":"I'm","start":11.759999,"end":12.015,"sentiment":"neutral","sentiment_score":0.28051120042800903}],"sentiment":"positive","sentiment_score":0.7510653896765276,"channel":0,"num_words":11,"start":7.7599998,"end":12.015},{"sentences":[{"text":"Okay.","start":12.0,"end":12.5,"sentiment":"neutral","sentiment_score":0.19083772599697113}],"sentiment":"neutral","sentiment_score":0.19083772599697113,"channel":1,"num_words":1,"start":12.0,"end":12.5},{"sentences":[{"text":"just giving you a call to go through a few updates with you after your email.","start":12.095,"end":16.095001,"sentiment":"neutral","sentiment_score":0.129860766697675},{"text":"Do you have a","start":16.095001,"end":16.655,"sentiment":"neutral","sentiment_score":0.02418135292828083}],"sentiment":"neutral","sentiment_score":0.10872488394379616,"channel":0,"num_words":20,"start":12.095,"end":16.655},{"sentences":[{"text":"Yes.","start":16.595,"end":17.095,"sentiment":"neutral","sentiment_score":0.032911378890275955}],"sentiment":"neutral","sentiment_score":0.032911378890275955,"channel":1,"num_words":1,"start":16.595,"end":17.095},{"sentences":[{"text":"bit of time for me?","start":16.655,"end":17.795,"sentiment":"neutral","sentiment_score":0.04509179666638374}],"sentiment":"neutral","sentiment_score":0.04509179666638374,"channel":0,"num_words":5,"start":16.655,"end":17.795},{"sentences":[{"text":"Yeah.","start":17.795,"end":18.195,"sentiment":"neutral","sentiment_score":0.06962539255619049},{"text":"Sure.","start":18.195,"end":18.695,"sentiment":"neutral","sentiment_score":0.14350078999996185}],"sentiment":"neutral","sentiment_score":0.10656309127807617,"channel":1,"num_words":2,"start":17.795,"end":18.695},{"sentences":[{"text":"Perfect.","start":19.375,"end":19.875,"sentiment":"neutral","sentiment_score":0.29920029640197754},{"text":"Now just before I get into it, I will need to go through a quick security check with you.","start":19.935,"end":23.775,"sentiment":"neutral","sentiment_score":0.06945169903337955},{"text":"Is that okay?","start":23.775,"end":24.66,"sentiment":"neutral","sentiment_score":0.07290895407398541}],"sentiment":"neutral","sentiment_score":0.0798917147938324,"channel":0,"num_words":23,"start":19.375,"end":24.66},{"sentences":[{"text":"Yes.","start":24.755001,"end":24.994999,"sentiment":"neutral","sentiment_score":0.12522625923156738},{"text":"That's good.","start":24.994999,"end":25.814999,"sentiment":"positive","sentiment_score":0.35584162175655365}],"sentiment":"neutral","sentiment_score":0.2789698342482249,"channel":1,"num_words":3,"start":24.755001,"end":25.814999},{"sentences":[{"text":"Perfect.","start":26.02,"end":26.5,"sentiment":"positive","sentiment_score":0.39885956048965454},{"text":"So as always, calls are recorded for training and quality purposes, and I'm registered with Asica's adviser 1273105.","start":26.5,"end":34.76,"sentiment":"neutral","sentiment_score":0.08258541549245517},{"text":"Could you please confirm your date of birth address?","start":34.82,"end":37.32,"sentiment":"neutral","sentiment_score":0.03336903183824486}],"sentiment":"neutral","sentiment_score":0.07806136878207326,"channel":0,"num_words":28,"start":26.02,"end":37.32},{"sentences":[{"text":"Thirteen twelve seventy four, and it's Unit 21824 Wyatt Street, Newstead, Queensland 4006.","start":37.84,"end":44.434998,"sentiment":"neutral","sentiment_score":0.029955400583835747}],"sentiment":"neutral","sentiment_score":0.029955400583835747,"channel":1,"num_words":13,"start":37.84,"end":44.434998},{"sentences":[{"text":"Sensational.","start":45.095,"end":45.595,"sentiment":"neutral","sentiment_score":0.1811581701040268},{"text":"Thank you for that, Monique.","start":45.895,"end":47.115,"sentiment":"positive","sentiment_score":0.5719943881034851},{"text":"And, again, thank you so much for taking the time to chat with me today.","start":47.335,"end":50.875,"sentiment":"positive","sentiment_score":0.5953074812889099},{"text":"I have quite a few documents open at the moment, and I've just kind of gone through a full recap of everything that's been going on with your file and all the things that we were looking to do.","start":51.175,"end":62.48,"sentiment":"neutral","sentiment_score":0.23171232411494622},{"text":"What","start":62.62,"end":62.86,"sentiment":"neutral","sentiment_score":0.06874695420265198}],"sentiment":"positive","sentiment_score":0.3455126217154206,"channel":0,"num_words":61,"start":45.095,"end":62.86},{"sentences":[{"text":"Yes.","start":62.85,"end":63.35,"sentiment":"neutral","sentiment_score":0.07345635443925858}],"sentiment":"neutral","sentiment_score":0.07345635443925858,"channel":1,"num_words":1,"start":62.85,"end":63.35},{"sentences":[{"text":"I was aiming to do today was just to double check a couple of things just to make sure they hadn't changed","start":62.86,"end":68.395004,"sentiment":"neutral","sentiment_score":0.01711061742918735}],"sentiment":"neutral","sentiment_score":0.01711061742918735,"channel":0,"num_words":22,"start":62.86,"end":68.395004},{"sentences":[{"text":"Okay.","start":68.85,"end":69.35,"sentiment":"neutral","sentiment_score":0.03797388449311256}],"sentiment":"neutral","sentiment_score":0.03797388449311256,"channel":1,"num_words":1,"start":68.85,"end":69.35},{"sentences":[{"text":"and then kind of finish off putting a bit of a plan together for you to send through, which I have put to the 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okay.","start":75.735,"end":77.115005,"sentiment":"neutral","sentiment_score":0.05079118938495716}],"sentiment":"neutral","sentiment_score":0.05079118938495716,"channel":0,"num_words":6,"start":75.735,"end":77.115005},{"sentences":[{"text":"Yes.","start":77.395004,"end":77.895004,"sentiment":"neutral","sentiment_score":0.10985706746578217}],"sentiment":"neutral","sentiment_score":0.10985706746578217,"channel":1,"num_words":1,"start":77.395004,"end":77.895004},{"sentences":[{"text":"Cool.","start":78.535,"end":78.855,"sentiment":"neutral","sentiment_score":0.14843373000621796},{"text":"Just because it has been a little while since we last spoke, I just 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in the same direction.","start":84.28,"end":85.579994,"sentiment":"neutral","sentiment_score":0.10660699978470803}],"sentiment":"neutral","sentiment_score":0.10660699978470803,"channel":0,"num_words":5,"start":84.28,"end":85.579994},{"sentences":[{"text":"Just one thing because I don't wanna forget it, but I need to I need to sort out my beneficiaries on hub twenty four.","start":86.26,"end":92.600006,"sentiment":"neutral","sentiment_score":0.009450509212911129},{"text":"So","start":92.66,"end":93.16,"sentiment":"neutral","sentiment_score":0.003689996898174286}],"sentiment":"neutral","sentiment_score":0.009220088720321656,"channel":1,"num_words":25,"start":86.26,"end":93.16},{"sentences":[{"text":"Yes.","start":93.64,"end":94.14,"sentiment":"neutral","sentiment_score":-0.013544850051403046}],"sentiment":"neutral","sentiment_score":-0.013544850051403046,"channel":0,"num_words":1,"start":93.64,"end":94.14},{"sentences":[{"text":"I don't know if you can help me with that.","start":95.005005,"end":96.605,"sentiment":"neutral","sentiment_score":-0.037624386698007585},{"text":"I did print them and do some.","start":96.605,"end":97.965004,"sentiment":"neutral","sentiment_score":0.03137429377862385},{"text":"But anyway, that is something I have to finalize with you today as well just in our little test so we put that wherever.","start":97.965004,"end":103.345,"sentiment":"neutral","sentiment_score":0.08468244092849393}],"sentiment":"neutral","sentiment_score":0.045750116384247454,"channel":1,"num_words":41,"start":95.005005,"end":103.345},{"sentences":[{"text":"Absolutely.","start":103.895004,"end":104.395004,"sentiment":"positive","sentiment_score":0.5788992643356323},{"text":"Now I'll jump into that first because that's 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finalized","start":107.415,"end":118.95,"sentiment":"neutral","sentiment_score":0.006972777511691675}],"sentiment":"neutral","sentiment_score":0.03197059372220846,"channel":0,"num_words":34,"start":106.935,"end":118.95},{"sentences":[{"text":"It's","start":118.72,"end":119.22,"sentiment":"neutral","sentiment_score":-0.046709995716810226}],"sentiment":"neutral","sentiment_score":-0.046709995716810226,"channel":1,"num_words":1,"start":118.72,"end":119.22},{"sentences":[{"text":"or not.","start":119.009995,"end":119.67,"sentiment":"neutral","sentiment_score":-0.06743081286549568}],"sentiment":"neutral","sentiment_score":-0.06743081286549568,"channel":0,"num_words":2,"start":119.009995,"end":119.67},{"sentences":[{"text":"still not.","start":120.24,"end":120.88,"sentiment":"neutral","sentiment_score":-0.16159158200025558},{"text":"I don't know what it is.","start":120.88,"end":122.175,"sentiment":"neutral","sentiment_score":-0.154490415006876},{"text":"It's just that I physically gotta get myself some places.","start":122.255005,"end":124.815,"sentiment":"neutral","sentiment_score":-0.07990308590233326},{"text":"If I could do it online, it'd be great.","start":124.815,"end":126.175,"sentiment":"neutral","sentiment_score":0.06568506070309216},{"text":"But I've actually gotta go to the host office.","start":126.175,"end":127.615005,"sentiment":"neutral","sentiment_score":-0.072415415611532}],"sentiment":"neutral","sentiment_score":-0.058603602978918284,"channel":1,"num_words":36,"start":120.24,"end":127.615005},{"sentences":[{"text":"I gotta go to TMI.","start":127.615005,"end":128.575,"sentiment":"neutral","sentiment_score":-0.047358933836221695},{"text":"I just don't have time.","start":128.575,"end":129.535,"sentiment":"neutral","sentiment_score":-0.15215691328048705},{"text":"So, no, 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having this call with you today.","start":277.59,"end":279.43,"sentiment":"neutral","sentiment_score":-0.02479891919276931},{"text":"So I thought, okay, I'll just wait until today.","start":279.43,"end":281.61,"sentiment":"neutral","sentiment_score":0.007175946194264624}],"sentiment":"neutral","sentiment_score":-0.06349609119610654,"channel":1,"num_words":54,"start":270.30502,"end":281.61},{"sentences":[{"text":"Okay.","start":282.21,"end":282.71,"sentiment":"neutral","sentiment_score":0.03654782474040985}],"sentiment":"neutral","sentiment_score":0.03654782474040985,"channel":0,"num_words":1,"start":282.21,"end":282.71},{"sentences":[{"text":"So am I posting them to somewhere?","start":282.62997,"end":286.40997,"sentiment":"neutral","sentiment_score":0.03556637678827558}],"sentiment":"neutral","sentiment_score":0.03556637678827558,"channel":1,"num_words":7,"start":282.62997,"end":286.40997},{"sentences":[{"text":"Let me actually double check with the team because I know Hub's very, very good with us being able to upload scanned documents.","start":287.345,"end":293.44498,"sentiment":"neutral","sentiment_score":0.3096877572977025}],"sentiment":"neutral","sentiment_score":0.3096877572977025,"channel":0,"num_words":23,"start":287.345,"end":293.44498},{"sentences":[{"text":"Okay.","start":293.965,"end":294.465,"sentiment":"neutral","sentiment_score":0.04343894496560097}],"sentiment":"neutral","sentiment_score":0.04343894496560097,"channel":1,"num_words":1,"start":293.965,"end":294.465},{"sentences":[{"text":"But did you already have a scanned copy of them that you can send through to 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mouthful.","start":348.095,"end":349.075,"sentiment":"neutral","sentiment_score":-0.15784167870879173}],"sentiment":"neutral","sentiment_score":-0.0906505761668086,"channel":0,"num_words":7,"start":346.095,"end":349.075},{"sentences":[{"text":"Dot com dot a u.","start":350.785,"end":352.24503,"sentiment":"neutral","sentiment_score":-0.0044568919111043215}],"sentiment":"neutral","sentiment_score":-0.0044568919111043215,"channel":1,"num_words":5,"start":350.785,"end":352.24503},{"sentences":[{"text":"Correct.","start":352.99,"end":353.49,"sentiment":"neutral","sentiment_score":0.022042278200387955}],"sentiment":"neutral","sentiment_score":0.022042278200387955,"channel":0,"num_words":1,"start":352.99,"end":353.49},{"sentences":[{"text":"Okay.","start":355.02502,"end":355.345,"sentiment":"neutral","sentiment_score":0.027038410305976868},{"text":"Alright.","start":355.345,"end":355.825,"sentiment":"neutral","sentiment_score":0.04049209505319595},{"text":"And I'm just gonna say Monique 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here because I wanna just kind of cut short what the options are essentially.","start":749.17004,"end":757.35004,"sentiment":"neutral","sentiment_score":-0.09900745474126028},{"text":"So with your q but one of the concerns that we had, obviously, was that it has a very low life insurance amount of about 15,000, which doesn't do much for covering the mortgage, but your TBD is more like 260,000, so it's a lot closer","start":759.185,"end":773.02496,"sentiment":"neutral","sentiment_score":-0.08410207643781019}],"sentiment":"neutral","sentiment_score":-0.05965104910362627,"channel":0,"num_words":97,"start":739.185,"end":773.02496},{"sentences":[{"text":"Yep.","start":772.745,"end":773.245,"sentiment":"neutral","sentiment_score":0.024158459156751633}],"sentiment":"neutral","sentiment_score":0.024158459156751633,"channel":1,"num_words":1,"start":772.745,"end":773.245},{"sentences":[{"text":"to the 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it.","start":1299.1549,"end":1299.8949,"sentiment":"neutral","sentiment_score":-0.03221189137548208},{"text":"Did your colleague get back to that whether the form is the latest, the 08/19/2019 whatever, 2,005 for the beneficiary?","start":1300.0349,"end":1308.135,"sentiment":"neutral","sentiment_score":-0.016611465287860484}],"sentiment":"neutral","sentiment_score":-0.019414388564536752,"channel":1,"num_words":23,"start":1298.7001,"end":1308.135},{"sentences":[{"text":"Yes.","start":1308.735,"end":1308.975,"sentiment":"neutral","sentiment_score":0.023968838155269623},{"text":"That is the most current document.","start":1308.975,"end":1310.515,"sentiment":"neutral","sentiment_score":0.023449030704796314}],"sentiment":"neutral","sentiment_score":0.023523288912006786,"channel":0,"num_words":7,"start":1308.735,"end":1310.515},{"sentences":[{"text":"Okay.","start":1310.5149,"end":1310.9149,"sentiment":"neutral","sentiment_score":0.13792207837104797},{"text":"Cool.","start":1310.9149,"end":1311.4149,"sentiment":"neutral","sentiment_score":0.1942664533853531},{"text":"Alright.","start":1311.66,"end":1311.9,"sentiment":"neutral","sentiment_score":0.14066575467586517},{"text":"Okay.","start":1311.9,"end":1312.38,"sentiment":"neutral","sentiment_score":0.15743470191955566},{"text":"I'll get the little boxes ticked and resend it to you and get that underway.","start":1312.38,"end":1318.0,"sentiment":"neutral","sentiment_score":0.23715289930502573}],"sentiment":"neutral","sentiment_score":0.22039907778564252,"channel":1,"num_words":19,"start":1310.5149,"end":1318.0},{"sentences":[{"text":"Excellent.","start":1318.2201,"end":1318.7201,"sentiment":"positive","sentiment_score":0.6125560998916626}],"sentiment":"positive","sentiment_score":0.6125560998916626,"channel":1,"num_words":1,"start":1318.2201,"end":1318.7201},{"sentences":[{"text":"Fantastic.","start":1318.67,"end":1319.17,"sentiment":"positive","sentiment_score":0.7044738531112671}],"sentiment":"positive","sentiment_score":0.7044738531112671,"channel":0,"num_words":1,"start":1318.67,"end":1319.17},{"sentences":[{"text":"Thank you very much.","start":1318.78,"end":1319.8401,"sentiment":"positive","sentiment_score":0.720413014292717}],"sentiment":"positive","sentiment_score":0.720413014292717,"channel":1,"num_words":4,"start":1318.78,"end":1319.8401},{"sentences":[{"text":"That's okay.","start":1320.03,"end":1320.75,"sentiment":"positive","sentiment_score":0.38751867413520813},{"text":"I will have this off to you sometime next week.","start":1320.75,"end":1323.55,"sentiment":"neutral","sentiment_score":0.32313031554222105},{"text":"It's,","start":1323.55,"end":1323.9501,"sentiment":"neutral","sentiment_score":0.13878773152828217}],"sentiment":"neutral","sentiment_score":0.31885601809391606,"channel":0,"num_words":13,"start":1320.03,"end":1323.9501},{"sentences":[{"text":"Alright.","start":1323.8201,"end":1324.3201,"sentiment":"neutral","sentiment_score":0.0676439106464386}],"sentiment":"neutral","sentiment_score":0.0676439106464386,"channel":1,"num_words":1,"start":1323.8201,"end":1324.3201},{"sentences":[{"text":"again, top of the list, so I'm aiming for Monday, Tuesday.","start":1323.9501,"end":1327.01,"sentiment":"neutral","sentiment_score":0.26402163776484405},{"text":"As soon as we get that signed, we're just gonna start moving investments and rolling funds around.","start":1327.23,"end":1331.73,"sentiment":"neutral","sentiment_score":0.28457465154283185}],"sentiment":"neutral","sentiment_score":0.27650025327290806,"channel":0,"num_words":28,"start":1323.9501,"end":1331.73},{"sentences":[{"text":"Okay.","start":1332.155,"end":1332.555,"sentiment":"positive","sentiment_score":0.4745079278945923},{"text":"Awesome.","start":1332.555,"end":1333.055,"sentiment":"positive","sentiment_score":0.8158257603645325},{"text":"Super.","start":1333.355,"end":1333.675,"sentiment":"positive","sentiment_score":0.8208158016204834},{"text":"Thanks very much, Connie.","start":1333.675,"end":1334.895,"sentiment":"positive","sentiment_score":0.8771964609622955}],"sentiment":"positive","sentiment_score":0.8028479048183986,"channel":1,"num_words":7,"start":1332.155,"end":1334.895},{"sentences":[{"text":"Amazing.","start":1335.145,"end":1335.545,"sentiment":"positive","sentiment_score":0.8851383924484253},{"text":"Have a fantastic day.","start":1335.545,"end":1336.665,"sentiment":"positive","sentiment_score":0.8481086194515228},{"text":"And if there's anything else, I'll give you a buzz.","start":1336.665,"end":1338.6849,"sentiment":"positive","sentiment_score":0.5637490332126618}],"sentiment":"positive","sentiment_score":0.6610042134920756,"channel":0,"num_words":15,"start":1335.145,"end":1338.6849},{"sentences":[{"text":"Okay.","start":1338.9229,"end":1339.4229,"sentiment":"positive","sentiment_score":0.3662872314453125},{"text":"Super.","start":1339.643,"end":1340.0428,"sentiment":"positive","sentiment_score":0.6581379771232605},{"text":"Thank you very much.","start":1340.0428,"end":1341.0029,"sentiment":"positive","sentiment_score":0.7861590087413788},{"text":"Bye.","start":1341.0029,"end":1341.5029,"sentiment":"positive","sentiment_score":0.4406079649925232}],"sentiment":"positive","sentiment_score":0.6585241726466587,"channel":1,"num_words":7,"start":1338.9229,"end":1341.5029},{"sentences":[{"text":"Thank you.","start":1341.145,"end":1341.705,"sentiment":"positive","sentiment_score":0.6248334050178528},{"text":"Bye.","start":1341.705,"end":1342.205,"sentiment":"neutral","sentiment_score":-0.09688500314950944}],"sentiment":"positive","sentiment_score":0.3842606022953987,"channel":0,"num_words":3,"start":1341.145,"end":1342.205}]},"summary":{"result":"success","short":"The speakers discuss updating the beneficiaries for a partnership visa and updating the beneficiary nomination type. They also discuss scanning and res scanning forms and updating beneficiaries for proper information. The speakers provide instructions on updating beneficiaries and updating coverage for life insurance. They also discuss updating beneficiaries for life insurance and updating their beneficiaries for estate planning. The speakers mention the consolidation of their investment property and the need for a plan to implement it. They provide information on coverage and the need for a will and power of attorney for beneficiaries."},"intents":{"segments":[{"text":"So as always, calls are recorded for training and quality purposes, and I'm registered with Asica's adviser 1273105. Could you please confirm your date of birth address?","start_word":91,"end_word":117,"intents":[{"intent":"Confirm number of calls","confidence_score":0.0005628336},{"intent":"Provide information","confidence_score":0.0068629878}]},{"text":"Could you please confirm your date of birth address?","start_word":109,"end_word":117,"intents":[{"intent":"Confirm date of birth","confidence_score":0.17940713},{"intent":"Confirm details","confidence_score":0.014830939},{"intent":"Confirm date of birth","confidence_score":0.19321477},{"intent":"Confirm identity","confidence_score":0.392595}]},{"text":"I have quite a few documents open at the moment, and I've just kind of gone through a full recap of everything that's been going on with your file and all the things that we were looking to do. What Yes.","start_word":152,"end_word":192,"intents":[{"intent":"Check document status","confidence_score":0.00075914455}]},{"text":"I was aiming to do today was just to double check a couple of things just to make sure they hadn't changed Okay. and then kind of finish off putting a bit of a plan together for you to send through, which I have put to the top Alright.","start_word":193,"end_word":241,"intents":[{"intent":"Send plan","confidence_score":0.52028614}]},{"text":"Just one thing because I don't wanna forget it, but I need to I need to sort out my beneficiaries on hub twenty four. So Yes.","start_word":285,"end_word":310,"intents":[{"intent":"Sort out beneficiaries","confidence_score":0.083254814}]},{"text":"But anyway, that is something I have to finalize with you today as well just in our little test so we put that wherever. Absolutely.","start_word":329,"end_word":353,"intents":[{"intent":"Finalize and update identity","confidence_score":0.018277856}]},{"text":"But before I do so, we I had a note down there that you were still going through updating some identification for name changes, and I'm wondering if that's actually been finalized It's or not.","start_word":365,"end_word":399,"intents":[{"intent":"Update and update name changes","confidence_score":0.091205},{"intent":"Update id","confidence_score":0.03943745}]},{"text":"Now do you remember the nomination types? No. What is that?","start_word":612,"end_word":622,"intents":[{"intent":"Check and verify eligibility of nomination types","confidence_score":0.00013287069}]},{"text":"we need to update, Okay. we'll bring it up with you as well. Yes.","start_word":684,"end_word":697,"intents":[{"intent":"Update nomination","confidence_score":0.06652938},{"intent":"Update nomination","confidence_score":0.22508362}]},{"text":"And I'm assuming you would like this nomination to be legally binding. Yes, please.","start_word":701,"end_word":714,"intents":[{"intent":"Confirm legal bindingness","confidence_score":0.032906592}]},{"text":"Now to make things a bit easier, would you like me to take down everyone's details and pre fill the forms for you? Yeah.","start_word":716,"end_word":739,"intents":[{"intent":"Send nomination forms","confidence_score":0.06824416}]},{"text":"Because I've actually printed them, done this whole thing, and I do have a signed copy here and witnessed. But then I don't know Oh, what to actually do with it because Hub twenty four doesn't do I scan it back and email it to you? Do I have to post it in? What do I actually have to do with it? Doesn't yeah.","start_word":762,"end_word":825,"intents":[{"intent":"Resolve issue","confidence_score":0.0058822744}]},{"text":"What do I actually have to do with it? Doesn't yeah.","start_word":815,"end_word":825,"intents":[{"intent":"Ask question","confidence_score":0.0021263892}]},{"text":"And we do actually, like, generally speaking, post them or we scan them up into Hub 24 because it has to be a wet signature for a legal document. The only thing I wanna check is when did you actually get those signed? Because if they have a new form, it may have Okay. expired.","start_word":847,"end_word":901,"intents":[{"intent":"Confirm signature","confidence_score":0.07288648}]},{"text":"The only thing I wanna check is when did you actually get those signed? Because if they have a new form, it may have Okay. expired.","start_word":876,"end_word":901,"intents":[{"intent":"Check signature status","confidence_score":0.010342778}]},{"text":"On on Tuesday last week, I thought everybody should do it, and then I didn't I then I had them, and I'm like, oh, I don't know what to do with them. And I knew I was having this call with you today. So I thought, okay, I'll just wait until today. Okay.","start_word":913,"end_word":965,"intents":[{"intent":"Wait for clarification","confidence_score":0.00015895777}]},{"text":"So am I posting them to somewhere? Let me actually double check with the team because I know Hub's very, very good with us being able to upload scanned documents. Okay.","start_word":966,"end_word":996,"intents":[{"intent":"Review documents","confidence_score":0.0013519098}]},{"text":"But did you already have a scanned copy of them that you can send through to us I as well?","start_word":998,"end_word":1017,"intents":[{"intent":"Send scanned copy","confidence_score":0.07910686},{"intent":"Send confirmation letter","confidence_score":0.000020444799}]},{"text":"Otherwise, I'll rescan them when I go into work tomorrow for a better one, but maybe not I hate opening up my emails.","start_word":1054,"end_word":1076,"intents":[{"intent":"Rescan documents","confidence_score":0.034461703}]},{"text":"To who is my beneficiary, can I email them straight to you now and you can check them and see if you're happy with them? Yes.","start_word":1097,"end_word":1122,"intents":[{"intent":"Check recipient satisfaction","confidence_score":0.012120525}]},{"text":"Do you mind if I put you on a quick, like, forty second hold? I Yes.","start_word":1277,"end_word":1292,"intents":[{"intent":"Offer quick hold","confidence_score":0.0016031839}]},{"text":"check with the team the best way to get that done for you.","start_word":1298,"end_word":1310,"intents":[{"intent":"Check with team","confidence_score":0.18892883}]},{"text":"So at the end of this month, we want to actually, on the June 11, we're gonna be submitting and part of supporting stuff is having beneficiary form.","start_word":1412,"end_word":1439,"intents":[{"intent":"Confirm beneficiary form submission","confidence_score":0.01578848}]},{"text":"So I kinda need a an official hub twenty four letter saying your beneficiaries are blah blah blah blah.","start_word":1440,"end_word":1458,"intents":[{"intent":"Request hub letter","confidence_score":0.1906772}]},{"text":"put a request in to have that sent through a s ASAP. Yes.","start_word":1529,"end_word":1541,"intents":[{"intent":"Provide a request to be sent by saap","confidence_score":8.5434887e-10}]},{"text":"So the sooner the better because I just wanna get everything off to the lawyers Yeah.","start_word":1566,"end_word":1581,"intents":[{"intent":"Provide legal assistance with submission process","confidence_score":0.000006167141}]},{"text":"On the beneficiary nominations where you've got Joshua, Matthew, and Charles on there, you will need to tick the relationship for Matthew and Charles.","start_word":1711,"end_word":1734,"intents":[{"intent":"Verify beneficiary nominations","confidence_score":0.0032339862}]},{"text":"Do it do I have enough time? No.","start_word":2035,"end_word":2042,"intents":[{"intent":"Confirm availability","confidence_score":0.0042489604}]},{"text":"I'm just gonna send a quick message to one of my staff members, and I'll just say, can you please check the most up to date hub beneficiary forms?","start_word":2048,"end_word":2076,"intents":[{"intent":"Confirm information","confidence_score":0.040571522},{"intent":"Check forms","confidence_score":0.056269396}]},{"text":"I'm just gonna send a quick message to one of my staff members, and I'll just say, can you please check the most up to date hub beneficiary forms? Is 08/19/2025 current? And I'll let them get that back to us by the end of the call. Alright.","start_word":2048,"end_word":2095,"intents":[{"intent":"Send message","confidence_score":0.89789456}]},{"text":"Outside of that, so just to confirm what we were doing to make sure you're still happy with all those ideas is your Hub twenty four is in, like, a growth super fund, four out of five on the risk scale.","start_word":2097,"end_word":2137,"intents":[{"intent":"Confirm understanding","confidence_score":0.116547726}]},{"text":"So with your q but one of the concerns that we had, obviously, was that it has a very low life insurance amount of about 15,000, which doesn't do much for covering the mortgage, but your TBD is more like 260,000, so it's a lot closer Yep. to the mark.","start_word":2246,"end_word":2295,"intents":[{"intent":"Express concerns","confidence_score":0.0008565312}]},{"text":"And that's assuming it goes through, of course, like the Yes. underwriting side of things Yeah. and gets through medically, but that's just covering mortgage and income. Yeah.","start_word":2648,"end_word":2675,"intents":[{"intent":"Discuss mortgage deal","confidence_score":0.00016761597}]},{"text":"increasing it's gonna really slow down your super growth. Yeah.","start_word":2772,"end_word":2781,"intents":[{"intent":"Discuss super growth","confidence_score":0.2415204}]},{"text":"the debts.","start_word":2797,"end_word":2798,"intents":[{"intent":"Discuss debts","confidence_score":0.02993699}]},{"text":"you're okay to leave it, Yeah.","start_word":2802,"end_word":2807,"intents":[{"intent":"Express approval","confidence_score":0.000045226494}]},{"text":"I think I think just just leave it, let the super grow, and then, you know, I can do what they want with the money after that. So it's Yeah. fine. I'll either I'll either use it and then and pay all the mortgages as we go or they can use it to pay off mortgage. Whatever.","start_word":2833,"end_word":2889,"intents":[{"intent":"Plan future payment","confidence_score":0.0021476632},{"intent":"Clarify payment strategy","confidence_score":0.00013707725}]},{"text":"Leave QC Yep. three in place because that's the only place that's holding whatever.","start_word":2985,"end_word":2998,"intents":[{"intent":"Update qsuper assets","confidence_score":0.0001462106}]},{"text":"So we'll do the consolidation. I'll update your hub portfolio. We were gonna switch your contributions around so that the larger portion went into hub and the smaller portion went to QSuper for the insurances.","start_word":3030,"end_word":3064,"intents":[{"intent":"Consolidate qsuper","confidence_score":0.0024411876}]},{"text":"I'll update your hub portfolio. We were gonna switch your contributions around so that the larger portion went into hub and the smaller portion went to QSuper for the insurances. I'm not sure if we already actioned that, but if you're still comfortable with that idea of redirecting to the growth fund. Yeah.","start_word":3035,"end_word":3087,"intents":[{"intent":"Update portfolio","confidence_score":0.051256325}]},{"text":"We were gonna switch your contributions around so that the larger portion went into hub and the smaller portion went to QSuper for the insurances.","start_word":3040,"end_word":3064,"intents":[{"intent":"Switch contributions","confidence_score":0.53723574}]},{"text":"So that means that it is Will Best going to q super and OCO going to hub.","start_word":3108,"end_word":3124,"intents":[{"intent":"Move qsuper to qsuper","confidence_score":0.023749044}]},{"text":"So that means that it is Will Best going to q super and OCO going to hub. Okay.","start_word":3108,"end_word":3125,"intents":[{"intent":"Update qsuper super","confidence_score":0.023943838}]},{"text":"What I can do is I'm gonna put all of this in the updated statement Room. of advice Yes.","start_word":3140,"end_word":3158,"intents":[{"intent":"Put documents in statement room","confidence_score":0.00340784}]},{"text":"documents so you've got the plan, and then we will help you implement it.","start_word":3159,"end_word":3172,"intents":[{"intent":"Coordinate plan implementation","confidence_score":0.025005013}]},{"text":"We'll send you SGC forms if that helps to redirect unless you're comfortable with telling your payroll Oh, which account details to go into, but we can provide yeah.","start_word":3177,"end_word":3205,"intents":[{"intent":"Provide sgc forms","confidence_score":0.14908873},{"intent":"Update payroll and sgc forms","confidence_score":0.0014118843}]},{"text":"There was a bit of a a holding pattern goal that we were gonna revisit even possibly self managed super funds once your partner's gone through all of those details, you know, like citizenship and Yeah.","start_word":3320,"end_word":3355,"intents":[{"intent":"Recall holding pattern goal","confidence_score":0.139549}]},{"text":"There was a bit of a a holding pattern goal that we were gonna revisit even possibly self managed super funds once your partner's gone through all of those details, you know, like citizenship and Yeah. permanent Let's go residency wise. yeah. Like, that we can we we can discuss at a later stage. I mean, we got the investment property in between that discussion and then and that's obviously not gone through super. Yeah.","start_word":3320,"end_word":3394,"intents":[{"intent":"Recall previous actions","confidence_score":0.00017378024}]},{"text":"soon.","start_word":3440,"end_word":3440,"intents":[{"intent":"Discuss super switches","confidence_score":0.14109357}]},{"text":"just update the beneficiaries in estate planning and so on.","start_word":3460,"end_word":3469,"intents":[{"intent":"Update beneficiaries","confidence_score":0.6832094}]},{"text":"There was one quick note that you had a will in place, but possibly not the power of attorney. Does that ring a bell?","start_word":3474,"end_word":3497,"intents":[{"intent":"Check power of attorney","confidence_score":0.066990726}]},{"text":"let me look through the rules and power of attorney. Yeah.","start_word":3527,"end_word":3537,"intents":[{"intent":"Review rules","confidence_score":0.002777248}]},{"text":"I'll have a look and get that back to you, and I'll send you an email and let you know when the swap's being done and take on that power of attorney. No worries.","start_word":3666,"end_word":3699,"intents":[{"intent":"Send email","confidence_score":0.06296855},{"intent":"Send email","confidence_score":0.029607076}]},{"text":"Now when that document comes through to you, I'm basically gonna email it through to you straight away, and then I might see if we can just book in to have a quick chat to make sure you're comfortable with everything.","start_word":3745,"end_word":3785,"intents":[{"intent":"Book chat","confidence_score":0.23409998}]},{"text":"Did your colleague get back to that whether the form is the latest, the 08/19/2019 whatever, 2,005 for the beneficiary? Yes.","start_word":3877,"end_word":3897,"intents":[{"intent":"Confirm form","confidence_score":0.060251627},{"intent":"Confirm form","confidence_score":0.15709591},{"intent":"Confirm form","confidence_score":0.045427997}]},{"text":"I'll get the little boxes ticked and resend it to you and get that underway. Excellent.","start_word":3908,"end_word":3923,"intents":[{"intent":"Resend document","confidence_score":0.043905787}]}]},"sentiments":{"segments":[{"text":"Hi. My name is speaking. Hi, Monique. It's Tommy here, senior adviser from Oakview. How are you going today?","start_word":0,"end_word":18,"sentiment":"neutral","sentiment_score":0.15651999413967133},{"text":"Good. Thanks. How are you? I'm doing absolutely fantastic. Thank you for taking my call.","start_word":19,"end_word":33,"sentiment":"positive","sentiment_score":0.6918991804122925},{"text":"I'm Okay. just giving you a call to go through a few updates with you after your email. Do you have a Yes. bit of time for me? Yeah. Sure. Perfect. Now just before I get into it, I will need to go through a quick security check with you. Is that okay? Yes.","start_word":34,"end_word":87,"sentiment":"neutral","sentiment_score":0.10160914063453674},{"text":"That's good. Perfect.","start_word":88,"end_word":90,"sentiment":"positive","sentiment_score":0.3653083145618438},{"text":"So as always, calls are recorded for training and quality purposes, and I'm registered with Asica's adviser 1273105. Could you please confirm your date of birth address? Thirteen twelve seventy four, and it's Unit 21824 Wyatt Street, Newstead, Queensland 4006. Sensational.","start_word":91,"end_word":131,"sentiment":"neutral","sentiment_score":0.06505364179611206},{"text":"Thank you for that, Monique. And, again, thank you so much for taking the time to chat with me today.","start_word":132,"end_word":151,"sentiment":"positive","sentiment_score":0.5703657269477844},{"text":"I have quite a few documents open at the moment, and I've just kind of gone through a full recap of everything that's been going on with your file and all the things that we were looking to do. What Yes. I was aiming to do today was just to double check a couple of things just to make sure they hadn't changed Okay. and then kind of finish off putting a bit of a plan together for you to send through, which I have put to the top Alright. of the list, if that's okay. Yes. Cool. Just because it has been a little while since we last spoke, I just wanna Yeah. make sure that all the goals are the same and that we're still Yeah. aiming in the same direction. Just one thing because I don't wanna forget it, but I need to I need to sort out my beneficiaries on hub twenty four. So Yes. I don't know if you can help me with that. I did print them and do some. But anyway, that is something I have to finalize with you today as well just in our little test so we put that wherever.","start_word":152,"end_word":351,"sentiment":"neutral","sentiment_score":0.08168481677770614},{"text":"Absolutely. Now I'll jump into that first because that's nice Okay. and easy.","start_word":352,"end_word":364,"sentiment":"positive","sentiment_score":0.4910774230957031},{"text":"But before I do so, we I had a note down there that you were still going through updating some identification for name changes, and I'm wondering if that's actually been finalized It's or not. still not. I don't know what it is. It's just that I physically gotta get myself some places. If I could do it online, it'd be great. But I've actually gotta go to the host office. I gotta go to TMI. I just don't have time. So, no, it's Who's still under got the Reuben, time? unfortunately. So That is okay. I just wanna make I sure if have we had to get to do that any done. documents that I did Yeah. No. update that. Okay. So let me just pull up your Hub twenty four account.","start_word":365,"end_word":497,"sentiment":"neutral","sentiment_score":-0.02944064885377884},{"text":"One good thing I can at least tell you is that you've had some pretty good growth out of the super, and you've eclipsed over 300,000 now Yeah.","start_word":498,"end_word":525,"sentiment":"positive","sentiment_score":0.48025915026664734},{"text":"even Which with the is market correct. going crazy. So 11 Yeah. percent net return, things are looking on the up and up That's despite the fires around good. Yeah. you. That Okay.","start_word":526,"end_word":558,"sentiment":"neutral","sentiment_score":0.12683364748954773},{"text":"is good.","start_word":559,"end_word":560,"sentiment":"positive","sentiment_score":0.4005463123321533},{"text":"Now I'm having a look through our last estate planning discussion. There was a few things in mind, but who were you wanting to nominate? So I've got my two sons and then my partner. So 30 Yeah. 5% each to the kids and 30% to child. 35, 35, and 30. Now do you remember the nomination types? No. What is that? So when I you think. do a beneficiary nomination, you can Oh, choose yes. whether it expires or not. Yeah. No. I think we can leave those in place. So non Okay. ex non non expiry ones. Yep. So if even if we do an on lapsing, we check it with you every year anyway. So if there is something Yes. we need to update, Okay. we'll bring it up with you as well. Yes. That's fine. Okay? And I'm assuming you would like this nomination to be legally binding. Yes, please. Sensational. Now to make things a bit easier, would you like me to take down everyone's details and pre fill the forms for you? Yeah.","start_word":561,"end_word":739,"sentiment":"neutral","sentiment_score":0.0750132023289217},{"text":"That's good.","start_word":740,"end_word":741,"sentiment":"positive","sentiment_score":0.4794529378414154},{"text":"So what actually happens so you'll you'll do them, what, send them out to me and I've gotta sign it? Because I've actually printed them, done this whole thing, and I do have a signed copy here and witnessed. But then I don't know Oh, what to actually do with it because Hub twenty four doesn't do I scan it back and email it to you? Do I have to post it in? What do I actually have to do with it? Doesn't yeah. doesn't So say. normally, because they're, like, a legal binding document, you've done the the signing on paper and witnessing. Yes. And we do actually, like, generally speaking, post them or we scan them up into Hub 24 because it has to be a wet signature for a legal document. The only thing I wanna check is when did you actually get those signed? Because if they have a new form, it may have Okay. expired. Oh, no. I needed this last week. Oh, sensational. Mhmm. Yes. On on Tuesday last week, I thought everybody should do it, and then I didn't I then I had them, and I'm like, oh, I don't know what to do with them. And I knew I was having this call with you today. So I thought, okay, I'll just wait until today. Okay. So am I posting them to somewhere? Let me actually double check with the team because I know Hub's very, very good with us being able to upload scanned documents. Okay. But did you already have a scanned copy of them that you can send through to us I as well? do have them. Sorry. Let me get this to my computer. I do have them scanned for me so I can email them through. A bit of a funny looking scan, but tell me if that's okay. Otherwise, I'll rescan them when I go into work tomorrow for a better one, but maybe not I hate opening up my emails. There's always the bills to pay. I Okay. know every time there's something in there saying, hey, reminder notice. Yeah. To who is my beneficiary, can I email them straight to you now and you can check them and see if you're happy with them?","start_word":742,"end_word":1121,"sentiment":"neutral","sentiment_score":0.008150591116741691},{"text":"Yes. That would be fantastic.","start_word":1122,"end_word":1126,"sentiment":"positive","sentiment_score":0.5949472784996033},{"text":"So what's Do you the have email? my email still there? So it's Tommy, t o, m m, y, No. Yes? at Oakview Financial. Bit of a mouthful. Dot com dot a u. Correct. Okay. Alright. And I'm just gonna say Monique Rubin. Anyway, 24 beneficiaries. Okay. I'm gonna I'm I'm just sending it as is. I haven't even said hi for me. Sorry. It's just going to. No. That's okay. I won't get offended. I'll know what it's for. It's Yeah. okay. That's fine. If they if it's not clear enough or what have you, let me know, and then I'll scan them in in a big scanner tomorrow and resend them to you. Yep. No worries. Now I'll just give that a minute to come through, and I'll quickly Yeah. check them just to make sure that we're not sending off forms that need to be corrected. Okay. Do you mind if I put you on a quick, like, forty second hold? I Yes. just wanna That's double fine. check with the team the best way to get that done for you. Alright. No worries. Cool. This'll be the only time, and I won't be Okay. very long. Alright.","start_word":1127,"end_word":1327,"sentiment":"neutral","sentiment_score":-0.0021581446279340714},{"text":"All good. Thank you. Thank you so much for holding there.","start_word":1328,"end_word":1338,"sentiment":"positive","sentiment_score":0.6124623417854309},{"text":"No worries. So I have double checked with the team.","start_word":1339,"end_word":1348,"sentiment":"neutral","sentiment_score":0.23461413383483887},{"text":"Hub is fantastic in that we can upload the signed copies from our portal, and Okay. that will be applied the quickest rather than waiting for snail mail.","start_word":1349,"end_word":1376,"sentiment":"positive","sentiment_score":0.4338698387145996},{"text":"Okay.","start_word":1377,"end_word":1377,"sentiment":"neutral","sentiment_score":0.25599777698516846},{"text":"That'd be great.","start_word":1378,"end_word":1380,"sentiment":"positive","sentiment_score":0.420710563659668},{"text":"So why I'm chasing these and meeting them at the moment is we're doing Charles and I are doing a partnership visa, and our next thing is all our supporting documents. So at the end of this month, we want to actually, on the June 11, we're gonna be submitting and part of supporting stuff is having beneficiary form. So I kinda need a an official hub twenty four letter saying your beneficiaries are blah blah blah blah. So how quickly can I get that once you've uploaded these into hub Oh, 20 yes. four? So either they'll send Yep. us a confirmation that the beneficiaries are in place, and failing that, we can generate, like, an account statement, which should list them as well. I just Okay. know every Superfund's a little bit different with how they Yep. display the information, but I can definitely Yep. Okay. put a request in to have that sent through a s ASAP. Yes. Yes. When That'd would be you great. need that by? If I can get it this week, that'd be amazing. Otherwise, early next week. So the sooner the better because I just wanna get everything off to the lawyers Yeah. so there's a time to check everything and ask us for anything else. But yeah. So No. That's perfect. just a little The only bit. reason why I mentioned that is because once we've got that submitted, it'll take them the usual couple days to process it, and Yeah. then it'll appear on the account and we can download Okay. reports. So I don't wanna I I won't get it to you by Friday. That's all. Alright. No. That's fine. Early next week.","start_word":1381,"end_word":1664,"sentiment":"neutral","sentiment_score":0.047968831516697376},{"text":"Oh, next week's fine. That'd be good.","start_word":1665,"end_word":1671,"sentiment":"positive","sentiment_score":0.4967740476131439},{"text":"K.","start_word":1672,"end_word":1672,"sentiment":"neutral","sentiment_score":0.3033909797668457},{"text":"I think that's So one of the last pieces of the puzzle, so it's all good. sure is.","start_word":1673,"end_word":1690,"sentiment":"positive","sentiment_score":0.49303266406059265},{"text":"I'm having a quick look at the forms.","start_word":1691,"end_word":1698,"sentiment":"neutral","sentiment_score":0.316068172454834},{"text":"The scans actually come through pretty clearly, so that's great.","start_word":1699,"end_word":1708,"sentiment":"positive","sentiment_score":0.5111421346664429},{"text":"Okay. Alright. On the beneficiary nominations where you've got Joshua, Matthew, and Charles on there, you will need to tick the relationship for Matthew and Charles. Oh, it's like I don't know. We've got child Let's on the first one, do but then it's blank this blank for the next form. two. Oh, great. Okay. I'll re I'll find that and resend that to you and somewhere in my documents that I've created that, and I and it's for one. Alright. Yep. I'll resend that by the terribly. It's here. But if you're happy with that scan, then I can just get told to do it again for me today. Alright. I'll make Yeah. a motion That for should that. be fine. Look. Even if you just tick the boxes, rescan them up, and and Yeah. send them through, that's okay. Yeah. I'm trying to We do have that. both witnesses, which is great, and your signature on the fifth the fifth. I don't even know how that spouse one works because it's actually not correct. Josh is my son. That's actually child child foul. Now I can see that this is the nineteenth Oh, I see. of August Yes. twenty twenty five forms. That's the one that came off the that was the one actually that they chatbot sent me to. So is that Yep. not perfect? I'm just gonna double check it because these super funds tend to update their documents very sporadically. And Yes. if there's a new beneficiary, they won't accept it. So I'm just gonna make sure I've actually got all of that there. Alright. Death benefit claim form, beneficiary nomination guide. We don't need a guide. We need the actual forms. And, Monique, just so I can gauge things a little bit, how much time do I have with you today in case I need to speed it up a little bit? About twenty minutes, if Yep. that's right. Okay. Do it do I have enough time? No. That should be fine. Okay. I'm just gonna send a quick message to one of my staff members, and I'll just say, can you please check the most up to date hub beneficiary forms? Is 08/19/2025 current? And I'll let them get that back to us by the end of the call. Alright. Okay. Outside of that, so just to confirm what we were doing to make sure you're still happy with all those ideas is your Hub twenty four is in, like, a growth super fund, four out of five on the risk scale. We were doing a little bit of an update to the portfolio just because the world's kind of gone a little bit on fire at the moment. We were doing a consolidation of the Australian super, but possibly leaving the q super alone because of the insurances it had. Does that ring Yes. a bell? Yep. Definitely. Yep. Now I've actually gone through all of the notes from your previous application and the discussion that you had with Dana around the insurance side of things. And I just wanna give you a quick idea here because I wanna just kind of cut short what the options are essentially. So with your q but one of the concerns that we had, obviously, was that it has a very low life insurance amount of about 15,000, which doesn't do much for covering the mortgage, but your TBD is more like 260,000, so it's a lot closer Yep. to the mark. Yep.","start_word":1709,"end_word":2296,"sentiment":"neutral","sentiment_score":0.01934631531234501},{"text":"The income protection is in there, and it's it's kind of great.","start_word":2297,"end_word":2308,"sentiment":"positive","sentiment_score":0.4672412872314453},{"text":"It's just a little bit low compared to your income, which I think we had.","start_word":2309,"end_word":2323,"sentiment":"negative","sentiment_score":-0.33363550901412964},{"text":"You're working for both Oco Eye Specialist and Wilson Investment Group doing Yes. split payroll. Yes. Yep. Total income for the year floating around about the 95 Yes. thousand dollar mark, would that be pretty close for this financial year? K. So one of the things that we were going to do was looking at replacement insurances, and there was some previous health concerns, and Yes. that led to a previous decline with MetLife. Does that ring a bell as well? Yes. K. Now just to kind of shorten the options there, I did a quote through QSuper to look at increasing their life and TPD cover in line with your mortgage, which was about 382,000. Has that changed a bit? It's about $3.78, so not two months. Okay. So $378,000, not too much. But you Now know one that's, of and you should yep. have this information. So we do have an investment property as well. Correct. So there's Which I another think one. Yeah. another Yeah. Yeah. sorry. It's all here. I've got the offset account, the contents, the Yeah. investment property, which you had split between the investment and equity portion. It was valued at $5.70, and that was in Newstead. Correct? Yep. It's higher value now. Both properties are increased in value, but that was a purchase price of $5.70 for the investment. Yep. And there was about $5.95 of debt all up on that one. Now Yep.","start_word":2324,"end_word":2565,"sentiment":"neutral","sentiment_score":-0.012870293110609056},{"text":"there is you're kind of limited in what we can obtain in your increased insurances.","start_word":2566,"end_word":2580,"sentiment":"negative","sentiment_score":-0.34297695755958557},{"text":"Even if we increase your q super to just cover your main mortgage and top up your income protection, it was jumping up to about $3,600. From what? I can't remember what we have. I will 2,000 grab that is that up per annum? per annum. Yes. Yep. Now I can pull up the q super as well. I'm just gonna grab your last summary document. And that's assuming it goes through, of course, like the Yes. underwriting side of things Yeah. and gets through medically, but that's just covering mortgage and income. Yeah. So I know it's low, particularly the death benefit, but I've got a lot of super.","start_word":2581,"end_word":2690,"sentiment":"neutral","sentiment_score":-0.015632592141628265},{"text":"Like, kids and childs are gonna get some of that.","start_word":2691,"end_word":2700,"sentiment":"positive","sentiment_score":0.36739546060562134},{"text":"All that can go and pay mortgage and what have you.","start_word":2701,"end_word":2711,"sentiment":"neutral","sentiment_score":0.22830168902873993},{"text":"So all my portion thereof will at least, you know, help a lot with that.","start_word":2712,"end_word":2726,"sentiment":"positive","sentiment_score":0.4790900945663452},{"text":"I'm actually not too fussed with it being that way.","start_word":2727,"end_word":2736,"sentiment":"neutral","sentiment_score":0.04717192053794861},{"text":"I don't wanna I'd rather not eat into my sleep by paying these high fees.","start_word":2737,"end_word":2751,"sentiment":"negative","sentiment_score":-0.4123278558254242},{"text":"Yes. That's what I was thinking, and that's what I So, wanted to talk to you about today because yeah.","start_word":2752,"end_word":2771,"sentiment":"neutral","sentiment_score":-0.10961796343326569},{"text":"increasing it's gonna really slow down your super growth.","start_word":2772,"end_word":2780,"sentiment":"negative","sentiment_score":-0.513056755065918},{"text":"Yeah. You have So a lot I'd of rather people just there to leave cover it. the debts. So if Yeah. you're okay to leave it, Yeah. yeah, it's 1,900 currently for the life, the TPD, and the income protection. So go Mhmm. up another 1,600 at least. Yeah. Yeah. No. Look. I think I think just just leave it, let the super grow, and then, you know, I can do what they want with the money after that. So it's Yeah. fine. I'll either I'll either use it and then and pay all the mortgages as we go or they can use it to pay off mortgage. Whatever. And So, that's no, the I thing think too that's is fine. Yep. you've got the 300 with hub. You've got the amount that's with q super plus the the life insurance. So if you did pass Yeah. away, the mortgage is pretty well cleared. Yeah. Yep. No. I'm The fine. only other option was I could do, like, a top up life insurance quote, but then with a potential loading or exclusion on that, that might be a couple of grand just by itself. Yeah. No. I think we just leave things as is. Leave QC Yep. three in place because that's the only place that's holding whatever. Mhmm. And it's just the Australian Super that's I don't know. I got no. I can't remember what it's holding, but it needs to just move across to Hub. Yep.","start_word":2781,"end_word":3028,"sentiment":"neutral","sentiment_score":-0.015070887519076709},{"text":"Perfect.","start_word":3029,"end_word":3029,"sentiment":"positive","sentiment_score":0.5203888416290283},{"text":"So we'll do the consolidation. I'll update your hub portfolio. We were gonna switch your contributions around so that the larger portion went into hub and the smaller portion went to QSuper for the insurances. I'm not sure if we already actioned that, but if you're still comfortable with that idea of redirecting to the growth fund.","start_word":3030,"end_word":3086,"sentiment":"neutral","sentiment_score":0.14724764227867126},{"text":"Yeah. I can definitely do that. I'll get that organized.","start_word":3087,"end_word":3096,"sentiment":"positive","sentiment_score":0.43260112404823303},{"text":"Where do I need to put that? So I'm gonna swap. So that means that it is Will Best going to q super and OCO going to hub. Okay. Yep. I can Now swap you them. don't have to action that straight away. What I can do is I'm gonna put all of this in the updated statement Room. of advice Yes. documents so you've got the plan, and then we will help you implement it. We'll do the rollovers. We'll send you SGC forms if that helps to redirect unless you're comfortable with telling your payroll Oh, which account details to go into, but we can provide yeah. you No. some That's documents. fine. I can I just tell them? I work closely with both payroll people, so I just can't update it myself. So I don't Perfect. know if it's all good. I can do that. Yeah. So there's $15,401.23 sitting in our super at the moment. So, yeah, I'll just shove that over. Sorry. Did you say 15421? 15401.23. 15401.23 as of As the of thirteenth today. of the fifth. And Yeah. that was in QSuper. Australian Super. AustralianSuper. So we're moving Sorry. yeah. We're moving Aussie Super and holding q. She's got the there's no there's nothing in Australian Super for insurance Insurances. and stuff. Yeah. So yeah. K. There was a bit of a a holding pattern goal that we were gonna revisit even possibly self managed super funds once your partner's gone through all of those details, you know, like citizenship and Yeah. permanent Let's go residency wise. yeah. Like, that we can we we can discuss at a later stage. I mean, we got the investment property in between that discussion and then and that's obviously not gone through super. Yeah. And we're still a couple of years away from citizenship. So, yeah, we can just leave that for now.","start_word":3097,"end_word":3413,"sentiment":"neutral","sentiment_score":0.0011074981161566565},{"text":"I'm not ready to jump into that Perfect.","start_word":3414,"end_word":3421,"sentiment":"negative","sentiment_score":-0.48936423659324646},{"text":"anytime So for the time being, we'll do the super switches for the contributions, the consolidation, the portfolio. soon. We'll Yeah. revisit anything to do with property at a later date, leave the insurances as is, and Yeah. just update the beneficiaries in estate planning and so on. Yeah. Okay.","start_word":3422,"end_word":3471,"sentiment":"neutral","sentiment_score":0.08760783821344376},{"text":"Perfect.","start_word":3472,"end_word":3472,"sentiment":"positive","sentiment_score":0.3676568269729614},{"text":"K. There was one quick note that you had a will in place, but possibly not the power of attorney. Does that ring a bell? Not really, but we definitely do have roles in place. I can't remember if there's any power of attorney in them. I'll have to look through that. So K. let me look through the rules and power of attorney. Yeah. That's one of just the closing up cleanups I wanted to double check because if it's in there Okay. that if you're incapacitated, who can talk to the doctors and manage Yeah. the bank accounts, that would be lovely. Yeah. I don't wanna put a yes in there if it's not actually been put into Yeah. place. For sure. I'm gonna just have to go and fish them out, find them, and have a look. But if it was a question that we were asked and it was just the standard part of the wheel, then it would have been done. But if it's a little, you know, side note that sometimes little Yep. people or Yeah. trust these don't pick up, then maybe not. But yeah. Okay. I'll have a look and get that back to you, and I'll send you an email and let you know when the swap's being done and take on that power of attorney. No worries. And worst case scenario, you can get a a power of attorney kit from the post office for $25 if you just wanna nominate your your Okay. partner to look after things, Yep. and it's a quick way to do it. Okay.","start_word":3473,"end_word":3741,"sentiment":"neutral","sentiment_score":-0.02562239586088294},{"text":"Super. Excellent. Alright.","start_word":3742,"end_word":3744,"sentiment":"positive","sentiment_score":0.5288419127464294},{"text":"Now when that document comes through to you, I'm basically gonna email it through to you straight away, and then I might see if we can just book in to have a quick chat to make sure you're comfortable with everything. But because you already IPhone. know what the plan is twice, I'm I'm sure Yeah. you'll let me know any questions if you do have any. Yeah. Sounds good. Yep. Some of the details of assets and liabilities, like I said, might be slightly out of date. I'll put the 378,000 in for the mortgage. But if anything is wildly inaccurate, Yep. please let me know, and I'll just get that amended. All good. Okay. Sounds good. Alrighty. Any other questions for me before I let you go? No. That's it. Did your colleague get back to that whether the form is the latest, the 08/19/2019 whatever, 2,005 for the beneficiary? Yes. That is the most current document. Okay. Cool. Alright. Okay. I'll get the little boxes ticked and resend it to you and get that underway.","start_word":3745,"end_word":3922,"sentiment":"neutral","sentiment_score":0.08797560632228851},{"text":"Excellent. Fantastic. Thank you very much. That's okay.","start_word":3923,"end_word":3930,"sentiment":"positive","sentiment_score":0.581969141960144},{"text":"I will have this off to you sometime next week. It's, Alright. again, top of the list, so I'm aiming for Monday, Tuesday. As soon as we get that signed, we're just gonna start moving investments and rolling funds around.","start_word":3931,"end_word":3970,"sentiment":"neutral","sentiment_score":0.2606425315141678},{"text":"Okay. Awesome. Super. Thanks very much, Connie. Amazing. Have a fantastic day. And if there's anything else, I'll give you a buzz. Okay. Super. Thank you very much. Bye. Thank you. Bye.","start_word":3971,"end_word":4002,"sentiment":"positive","sentiment_score":0.6535404324531555}],"average":{"sentiment":"neutral","sentiment_score":0.05352868378488783}}}}