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I was just giving you a call just to touch base after I had after we had our conversation a couple weeks ago, and I've been able to go through and get the recommendations all drawn up for you. I've sent through the advice document, but did you have a couple of moments to just have a brief chat about it? Yeah. Cool. Cool. Cool. Alright. Well, before I jump into it, I do need to let you know our calls are recorded. And if I could just get you to confirm security for me, it's just full name, date of birth, and address. Amazing. No. You're perfect. Awesome. So ultimately speaking, the like, following our discussion, we basically made the decision that we were not gonna go ahead with the insurance changes that we had previously recommended and that we were going to just hold off on that until for sort of another six months and touch base in the March. And that what we were going to look at was basically just your superannuation and some of the underlying assets that were held within the within the fund. So what I've done in the document look. The first few pages is basically just an overview of where your position sits. But, really, where everything kinda gets juicy is from pay page 16 down. It kind of explains that I predict there's gonna be sort of about a 400 CGT element. So that's just capital gains tax payable for selling down some of the assets because of the growth you've made on on those assets. And that we're just making a little bit of a move, getting rid of some of the more underperforming assets, or getting rid of those ones that are costing a little bit more, and just rediversifying out into other holdings. So one of the assets I'm getting rid of is a bank hybrid. That's because they're being phased out within the next few years. And rather than just allow it to run off organically and you'll be phased into another asset, I'd rather we make the actual decision on where we wanna move now while the performance in that is sitting pretty good rather than, yeah, than move from there. I'm removing the little bit of agriculture that you have sitting in there. There are other agricultural assets within the portfolio, but that was a specific agri asset. I'm rebalancing the gold a little bit, rebalancing your cybersecurity asset. There's a lot of rebalances happening just sort of reshifting from, you know, where you'd sort of gone a little bit off kilter. Getting rid of the Bennelong and the infrastructure fund completely. The Bennelong Australian Fund, the performance hasn't really been there, and it's a little bit costly, same with the Performance hasn't been too bad, but, again, the cost is just not really there anymore for how much that asset cost per annum from a underlying asset cost and just rediversifying out into some Europe, Japan, and all all world assets along with basically some Australian assets as well. So you're picking up sort of five new new assets and then rebalancing the rest or or offloading them, really. So it's not major major changes, but just a bit of a shift throughout some of the assets. And overall, we're gonna historically, we're looking at sort of about a one and a half percent increase over five year rolling averages with the the rebalance as well. So cheaper cheaper out outcome in terms of cost basis. So investment the investment fee is going from about $643 for the asset that you currently hold over to 240. So saving us sort of $400 a year in in the investment costs by offloading those more expensive assets, and we're we're improving that that return as well. So not a major one as we discussed. I think in the March, we'll have a little bit more that we can touch on and discuss after things settle for you and you've been able to, I guess, finalize where you're sitting at and figure out the work structure and possibly go to multiple time work and, I guess, depending on how the study goes. And we can we can touch base in the March and and go from there as to whether there's any other areas that you wanna look at at that point. But this is a good basis for where we wanna head right now just to clean that side up. Perfect. Well, I I don't I'm not gonna push you to sign. Like, obviously, I want you to take the time to read over the document. Look. It's not a it's not a crazy big document. It's only 27 pages, and the sort of first 10 pages are just an overview of where you currently sit with, I guess, what we discussed, where your assets are sitting, stuff like that. But if you're happy and you're comfortable to go ahead, all you need to do is just sign on the sort of the second to last last page, I think, page 26. Sign there through the the the signing platform. There is a text box that if you want to alter the advice, you can write in and say, you know, I don't wanna go ahead with this or I I'm unhappy with this or I wanna, you know, look at including something else or whatever the case may be. If you're happy to go ahead with everything as I've recommended, just you can put a dot or just write I'm happy in there, and I will implement it on my side so everything will get put in place. And the investments will get switched and everything will go kosher. I've already got a scheduled booking in for March for us to touch touch base with you beginning of March and get get sort of a more confirmed date come come next year to be able to have a chat. Absolutely. Yeah. Mhmm. Absolutely. Yes. So it is definitely possible. There's a couple of steps and stages to go through. So, realistically, what that looks like is that's what's called a compassionate release. So it's governed by the Australian Taxation Office, ATO. So what it is is it's actually a really simple process. I have a an email I can send you that kinda does a step by step for you. But what it is is you apply through myGov through the ATO connected side under a compassionate claim. You would put in that it's a medical like, a medical medical claim. You are required to provide doctor's certification. So you would go and see a plastic surgeon, I guess, is who you would say for that. You'd see a plastic surgeon, the plastic surgeon would say, yes. It's recommended based on blah blah blah. You would also need a second doctor. So generally speaking, you would have a GP that would recommend you to a plastic surgeon because a plastic surgeon is a specialist, so you have to be referred there anyway. But while you're at the GP getting referred, you would get the GP to write up a letter as to why you are going to seek that, that it's causing you back pain, that it's causing you mental anguish, that bras are way too expensive. Whatever your reasoning may be, obviously, in that letter. And then your your plastic surgeon would then also write a letter on their behalf. Your plastic surgeon also would give you an invoice as to what the cost is. That invoice is what you use to be able to for the ATO to assess, and the ATO would then assess and release the invoiced amount. From that, you do need to be aware that the amount is taxable. So the amount that the ATO approved to be released is what would be the net released amount. The gross tax is taxed within the super funds. Yeah. But I'll what I'll do is I'll I'll get my team to flick you a quick email or I'll I'll flick you a quick email that just has, like, the little bit more information to kind of explain it so I'm not overloading it with words. And it has the steps on how to actually do it so that we can have a look. It's pretty intuitive system. It's not too difficult. Honestly, the claim actually only takes about ten minutes to go through on online, and it's a two week turnaround to be approved. So if you do go see a plastic surgeon yeah. So if you go see a plastic surgeon and you do get the the you know, go ahead and you get the invoice and you do put the claim in, please give me a call and let me know because there's a couple of other steps that need to happen on your Superfund side, I e, you need to nominate a bank account. You know, we need we need to make sure that your super fund will do their side. We can have the money ready to go. If you do decide to go ahead and don't tell me and then I get notified by the super fund, it could be a hold off on my end if I don't know about it ahead of time, which look. Realistically, if you don't have the surgery date booked, it shouldn't be an issue, but it only becomes an issue when all of a sudden you rang up and go, I'm having surgery tomorrow. I don't have the money, which happens. So, yeah, happens all the time. It it is pretty yeah. It is pretty straightforward for when it's, like, a surgery or a medical thing that that can't be done through the public system. So, like, major dental surgeries are a really, really common one. Cosmetic surgery, so that's what you're looking for is another common one. IVS, really common as well. It's just, you know, for other things, like, I lost my job and, you know, Centrelink's not covering it for income. Can I pull money from my my super? No. Generally not. So it's, you know yes. It can be useful, but it's it's very, very limited in how it can be used. Oh, cool. I will it will come through on my side. I'll oh, yep. It's there. I will get it all implemented on my side then. No. That's okay. I'll flick an email off to you, and you'll have a email change. So if you do decide to go ahead or you are approved, you can just let me know that way. So that way, I can get the team to make sure everything goes closer on my side. No. That's okay. No problems at all. Well, if I don't talk to you beforehand, we will talk to you in March next year. And no problem, Kylene. Have a great one. 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Kylie. Larissa from OQ Financial. How are you going? Yeah. Really good.\n\nThanks, Joe. I was just giving you a call just to touch base after I had after we had our conversation a couple weeks ago, and I've been able to go through and get the recommendations all drawn up for you. I've sent through the advice document, but did you have a couple of moments to just have a brief chat about it? Yeah. Cool.\n\nCool. Cool. Alright. Well, before I jump into it, I do need to let you know our calls are recorded. And if I could just get you to confirm security for me, it's just full name, date of birth, and address.\n\nAmazing. No. You're perfect. Awesome. So ultimately speaking, the like, following our discussion, we basically made the decision that we were not gonna go ahead with the insurance changes that we had previously recommended and that we were going to just hold off on that until for sort of another six months and touch base in the March.\n\nAnd that what we were going to look at was basically just your superannuation and some of the underlying assets that were held within the within the fund. So what I've done in the document look. The first few pages is basically just an overview of where your position sits. But, really, where everything kinda gets juicy is from pay page 16 down. It kind of explains that I predict there's gonna be sort of about a 400 CGT element.\n\nSo that's just capital gains tax payable for selling down some of the assets because of the growth you've made on on those assets. And that we're just making a little bit of a move, getting rid of some of the more underperforming assets, or getting rid of those ones that are costing a little bit more, and just rediversifying out into other holdings. So one of the assets I'm getting rid of is a bank hybrid. That's because they're being phased out within the next few years. And rather than just allow it to run off organically and you'll be phased into another asset, I'd rather we make the actual decision on where we wanna move now while the performance in that is sitting pretty good rather than, yeah, than move from there.\n\nI'm removing the little bit of agriculture that you have sitting in there. There are other agricultural assets within the portfolio, but that was a specific agri asset. I'm rebalancing the gold a little bit, rebalancing your cybersecurity asset. There's a lot of rebalances happening just sort of reshifting from, you know, where you'd sort of gone a little bit off kilter. Getting rid of the Bennelong and the infrastructure fund completely.\n\nThe Bennelong Australian Fund, the performance hasn't really been there, and it's a little bit costly, same with the Performance hasn't been too bad, but, again, the cost is just not really there anymore for how much that asset cost per annum from a underlying asset cost and just rediversifying out into some Europe, Japan, and all all world assets along with basically some Australian assets as well. So you're picking up sort of five new new assets and then rebalancing the rest or or offloading them, really. So it's not major major changes, but just a bit of a shift throughout some of the assets. And overall, we're gonna historically, we're looking at sort of about a one and a half percent increase over five year rolling averages with the the rebalance as well. So cheaper cheaper out outcome in terms of cost basis.\n\nSo investment the investment fee is going from about $643 for the asset that you currently hold over to 240. So saving us sort of $400 a year in in the investment costs by offloading those more expensive assets, and we're we're improving that that return as well. So not a major one as we discussed. I think in the March, we'll have a little bit more that we can touch on and discuss after things settle for you and you've been able to, I guess, finalize where you're sitting at and figure out the work structure and possibly go to multiple time work and, I guess, depending on how the study goes. And we can we can touch base in the March and and go from there as to whether there's any other areas that you wanna look at at that point.\n\nBut this is a good basis for where we wanna head right now just to clean that side up. Perfect. Well, I I don't I'm not gonna push you to sign. Like, obviously, I want you to take the time to read over the document. Look.\n\nIt's not a it's not a crazy big document. It's only 27 pages, and the sort of first 10 pages are just an overview of where you currently sit with, I guess, what we discussed, where your assets are sitting, stuff like that. But if you're happy and you're comfortable to go ahead, all you need to do is just sign on the sort of the second to last last page, I think, page 26. Sign there through the the the signing platform. There is a text box that if you want to alter the advice, you can write in and say, you know, I don't wanna go ahead with this or I I'm unhappy with this or I wanna, you know, look at including something else or whatever the case may be.\n\nIf you're happy to go ahead with everything as I've recommended, just you can put a dot or just write I'm happy in there, and I will implement it on my side so everything will get put in place. And the investments will get switched and everything will go kosher. I've already got a scheduled booking in for March for us to touch touch base with you beginning of March and get get sort of a more confirmed date come come next year to be able to have a chat. Absolutely. Yeah.\n\nMhmm. Absolutely. Yes. So it is definitely possible. There's a couple of steps and stages to go through.\n\nSo, realistically, what that looks like is that's what's called a compassionate release. So it's governed by the Australian Taxation Office, ATO. So what it is is it's actually a really simple process. I have a an email I can send you that kinda does a step by step for you. But what it is is you apply through myGov through the ATO connected side under a compassionate claim.\n\nYou would put in that it's a medical like, a medical medical claim. You are required to provide doctor's certification. So you would go and see a plastic surgeon, I guess, is who you would say for that. You'd see a plastic surgeon, the plastic surgeon would say, yes. It's recommended based on blah blah blah.\n\nYou would also need a second doctor. So generally speaking, you would have a GP that would recommend you to a plastic surgeon because a plastic surgeon is a specialist, so you have to be referred there anyway. But while you're at the GP getting referred, you would get the GP to write up a letter as to why you are going to seek that, that it's causing you back pain, that it's causing you mental anguish, that bras are way too expensive. Whatever your reasoning may be, obviously, in that letter. And then your your plastic surgeon would then also write a letter on their behalf.\n\nYour plastic surgeon also would give you an invoice as to what the cost is. That invoice is what you use to be able to for the ATO to assess, and the ATO would then assess and release the invoiced amount. From that, you do need to be aware that the amount is taxable. So the amount that the ATO approved to be released is what would be the net released amount. The gross tax is taxed within the super funds.\n\nYeah. But I'll what I'll do is I'll I'll get my team to flick you a quick email or I'll I'll flick you a quick email that just has, like, the little bit more information to kind of explain it so I'm not overloading it with words. And it has the steps on how to actually do it so that we can have a look. It's pretty intuitive system. It's not too difficult.\n\nHonestly, the claim actually only takes about ten minutes to go through on online, and it's a two week turnaround to be approved. So if you do go see a plastic surgeon yeah. So if you go see a plastic surgeon and you do get the the you know, go ahead and you get the invoice and you do put the claim in, please give me a call and let me know because there's a couple of other steps that need to happen on your Superfund side, I e, you need to nominate a bank account. You know, we need we need to make sure that your super fund will do their side. We can have the money ready to go.\n\nIf you do decide to go ahead and don't tell me and then I get notified by the super fund, it could be a hold off on my end if I don't know about it ahead of time, which look. Realistically, if you don't have the surgery date booked, it shouldn't be an issue, but it only becomes an issue when all of a sudden you rang up and go, I'm having surgery tomorrow. I don't have the money, which happens. So, yeah, happens all the time. It it is pretty yeah.\n\nIt is pretty straightforward for when it's, like, a surgery or a medical thing that that can't be done through the public system. So, like, major dental surgeries are a really, really common one. Cosmetic surgery, so that's what you're looking for is another common one. IVS, really common as well. It's just, you know, for other things, like, I lost my job and, you know, Centrelink's not covering it for income.\n\nCan I pull money from my my super? No. Generally not. So it's, you know yes. It can be useful, but it's it's very, very limited in how it can be used.\n\nOh, cool. I will it will come through on my side. I'll oh, yep. It's there. I will get it all implemented on my side then.\n\nNo. That's okay. I'll flick an email off to you, and you'll have a email change. So if you do decide to go ahead or you are approved, you can just let me know that way. So that way, I can get the team to make sure everything goes closer on my side.\n\nNo. That's okay. No problems at all. Well, if I don't talk to you beforehand, we will talk to you in March next year. And no problem, Kylene.\n\nHave a great one. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Kylie.","start":2.96,"end":3.9199998,"sentiment":"neutral","sentiment_score":0.1302342787384987},{"text":"Larissa from OQ Financial.","start":3.9199998,"end":5.3599997,"sentiment":"neutral","sentiment_score":0.13533825054764748},{"text":"How are you going?","start":5.3599997,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.18282486870884895},{"text":"Yeah.","start":8.16,"end":8.639999,"sentiment":"positive","sentiment_score":0.3566353917121887},{"text":"Really good.","start":8.639999,"end":9.28,"sentiment":"positive","sentiment_score":0.6362264454364777}],"sentiment":"neutral","sentiment_score":0.24324687054524055,"num_words":13,"start":2.96,"end":9.28},{"sentences":[{"text":"Thanks, Joe.","start":9.28,"end":10.179999,"sentiment":"positive","sentiment_score":0.6457743942737579},{"text":"I was just giving you a call just to touch base after I had after we had our conversation a couple weeks ago, and I've been able to go through and get the recommendations all drawn up for you.","start":11.44,"end":22.615,"sentiment":"neutral","sentiment_score":0.2809923073420158},{"text":"I've sent through the advice document, but did you have a couple of moments to just have a brief chat about it?","start":23.075,"end":29.735,"sentiment":"neutral","sentiment_score":0.06518054110082713},{"text":"Yeah.","start":31.11,"end":31.43,"sentiment":"neutral","sentiment_score":0.16533656418323517},{"text":"Cool.","start":31.43,"end":31.75,"sentiment":"neutral","sentiment_score":0.2881840467453003}],"sentiment":"neutral","sentiment_score":0.21750371215435174,"num_words":65,"start":9.28,"end":31.75},{"sentences":[{"text":"Cool.","start":31.75,"end":31.99,"sentiment":"neutral","sentiment_score":0.30242568254470825},{"text":"Cool.","start":31.99,"end":32.15,"sentiment":"neutral","sentiment_score":0.285433292388916},{"text":"Alright.","start":32.15,"end":32.39,"sentiment":"neutral","sentiment_score":0.1563866138458252},{"text":"Well, before I jump into it, I do need to let you know our calls are recorded.","start":32.39,"end":34.87,"sentiment":"neutral","sentiment_score":0.037869845352628655},{"text":"And if I could just get you to confirm security for me, it's just full name, date of birth, and address.","start":34.87,"end":39.13,"sentiment":"neutral","sentiment_score":0.05156250776989119}],"sentiment":"neutral","sentiment_score":0.06026452738882565,"num_words":41,"start":31.75,"end":39.13},{"sentences":[{"text":"Amazing.","start":49.364998,"end":49.864998,"sentiment":"neutral","sentiment_score":0.11865150928497314},{"text":"No.","start":50.965,"end":51.204998,"sentiment":"neutral","sentiment_score":-0.02553907409310341},{"text":"You're perfect.","start":51.204998,"end":51.945,"sentiment":"neutral","sentiment_score":0.13624656200408936},{"text":"Awesome.","start":52.644997,"end":53.144997,"sentiment":"neutral","sentiment_score":0.2924777865409851},{"text":"So ultimately speaking, the like, following our discussion, we basically made the decision that we were not gonna go ahead with the insurance changes that we had previously recommended and that we were going to just hold off on that until for sort of another six months and touch base in the March.","start":53.445,"end":72.655,"sentiment":"neutral","sentiment_score":-0.058525069388297365}],"sentiment":"neutral","sentiment_score":-0.042133540204115985,"num_words":58,"start":49.364998,"end":72.655},{"sentences":[{"text":"And that what we were going to look at was basically just your superannuation and some of the underlying assets that were held within the within the fund.","start":74.555,"end":85.055,"sentiment":"neutral","sentiment_score":-0.006104522850364447},{"text":"So what I've done in the document look.","start":86.31,"end":88.63,"sentiment":"neutral","sentiment_score":0.004688482178607956},{"text":"The first few pages is basically just an overview of where your position sits.","start":88.63,"end":92.17,"sentiment":"neutral","sentiment_score":0.015225794498941727},{"text":"But, really, where everything kinda gets juicy is from pay page 16 down.","start":93.03,"end":98.79,"sentiment":"neutral","sentiment_score":0.0029032835020468785},{"text":"It kind of explains that I predict there's gonna be sort of about a 400 CGT element.","start":98.79,"end":105.284996,"sentiment":"neutral","sentiment_score":-0.0025202759048518013}],"sentiment":"neutral","sentiment_score":0.0009330041968496517,"num_words":80,"start":74.555,"end":105.284996},{"sentences":[{"text":"So that's just capital gains tax payable for selling down some of the assets because of the growth you've made on on those assets.","start":105.284996,"end":111.384995,"sentiment":"neutral","sentiment_score":-0.01999938463510868},{"text":"And that we're just making a little bit of a move, getting rid of some of the more underperforming assets, or getting rid of those ones that are costing a little bit more, and just rediversifying out into other holdings.","start":112.325,"end":124.72,"sentiment":"neutral","sentiment_score":-0.035227585048414764},{"text":"So one of the assets I'm getting rid of is a bank hybrid.","start":125.66,"end":129.52,"sentiment":"neutral","sentiment_score":-0.030201600219767828},{"text":"That's because they're being phased out within the next few years.","start":129.795,"end":131.875,"sentiment":"neutral","sentiment_score":-0.0020097091540016913},{"text":"And rather than just allow it to run off organically and you'll be phased into another asset, I'd rather we make the actual decision on where we wanna move now while the performance in that is sitting pretty good rather than, yeah, than move from there.","start":131.875,"end":148.14,"sentiment":"neutral","sentiment_score":0.1322684341069797}],"sentiment":"neutral","sentiment_score":0.0282129233745587,"num_words":134,"start":105.284996,"end":148.14},{"sentences":[{"text":"I'm removing the little bit of agriculture that you have sitting in there.","start":148.52,"end":152.14,"sentiment":"neutral","sentiment_score":-0.006597894602096999},{"text":"There are other agricultural assets within the portfolio, but that was a specific agri asset.","start":152.28,"end":158.645,"sentiment":"neutral","sentiment_score":-0.009188817317287127},{"text":"I'm rebalancing the gold a little bit, rebalancing your cybersecurity asset.","start":159.665,"end":164.885,"sentiment":"neutral","sentiment_score":-0.0006199365651065654},{"text":"There's a lot of rebalances happening just sort of reshifting from, you know, where you'd sort of gone a little bit off kilter.","start":165.745,"end":171.685,"sentiment":"neutral","sentiment_score":-0.07644941171874171},{"text":"Getting rid of the Bennelong and the infrastructure fund completely.","start":172.89,"end":178.03,"sentiment":"neutral","sentiment_score":-0.06742527093738318}],"sentiment":"neutral","sentiment_score":-0.03698629681538376,"num_words":72,"start":148.52,"end":178.03},{"sentences":[{"text":"The Bennelong Australian Fund, the performance hasn't really been there, and it's a little bit costly, same with the Performance hasn't been too bad, but, again, the cost is just not really there anymore for how much that asset cost per annum from a underlying asset cost and just rediversifying out into some Europe, Japan, and all all world assets along with basically some Australian assets as well.","start":178.81,"end":207.5,"sentiment":"neutral","sentiment_score":-0.035784150665516365},{"text":"So you're picking up sort of five new new assets and then rebalancing the rest or or offloading them, really.","start":207.5,"end":212.815,"sentiment":"neutral","sentiment_score":0.019558592420071363},{"text":"So it's not major major changes, but just a bit of a shift throughout some of the assets.","start":213.035,"end":217.77501,"sentiment":"neutral","sentiment_score":-0.05783790991538101},{"text":"And overall, we're gonna historically, we're looking at sort of about a one and a half percent increase over five year rolling averages with the the rebalance as well.","start":218.235,"end":227.73,"sentiment":"neutral","sentiment_score":0.13996177988833394},{"text":"So cheaper cheaper out outcome in terms of cost basis.","start":228.61,"end":232.39,"sentiment":"neutral","sentiment_score":0.1885697826743126}],"sentiment":"neutral","sentiment_score":0.019733494263270805,"num_words":145,"start":178.81,"end":232.39},{"sentences":[{"text":"So investment the investment fee is going from about $643 for the asset that you currently hold over to 240.","start":232.76999,"end":240.39,"sentiment":"neutral","sentiment_score":0.20937897749245166},{"text":"So saving us sort of $400 a year in in the investment costs by offloading those more expensive assets, and we're we're improving that that return as well.","start":240.755,"end":251.495,"sentiment":"positive","sentiment_score":0.33508926310709547},{"text":"So not a major one as we discussed.","start":253.65001,"end":255.91,"sentiment":"neutral","sentiment_score":0.03815237944945693},{"text":"I think in the March, we'll have a little bit more that we can touch on and discuss after things settle for you and you've been able to, I guess, finalize where you're sitting at and figure out the work structure and possibly go to multiple time work and, I guess, depending on how the study goes.","start":256.13,"end":273.79498,"sentiment":"neutral","sentiment_score":0.1932478587616954},{"text":"And we can we can touch base in the March and and go from there as to whether there's any other areas that you wanna look at at that point.","start":275.215,"end":281.78,"sentiment":"neutral","sentiment_score":0.24696159462134043}],"sentiment":"neutral","sentiment_score":0.2258690471363651,"num_words":143,"start":232.76999,"end":281.78},{"sentences":[{"text":"But this is a good basis for where we wanna head right now just to clean that side up.","start":281.78,"end":287.72,"sentiment":"positive","sentiment_score":0.34249353722522136},{"text":"Perfect.","start":290.26,"end":290.76,"sentiment":"positive","sentiment_score":0.5895386934280396},{"text":"Well, I I don't I'm not gonna push you to sign.","start":290.9,"end":292.98,"sentiment":"neutral","sentiment_score":0.007621884346008301},{"text":"Like, obviously, I want you to take the time to read over the document.","start":292.98,"end":295.48,"sentiment":"neutral","sentiment_score":0.02845313905605248},{"text":"Look.","start":296.23502,"end":296.475,"sentiment":"neutral","sentiment_score":0.02426507323980331}],"sentiment":"neutral","sentiment_score":0.1652905575769103,"num_words":46,"start":281.78,"end":296.475},{"sentences":[{"text":"It's not a it's not a crazy big document.","start":296.475,"end":297.915,"sentiment":"neutral","sentiment_score":0.006367116545637448},{"text":"It's only 27 pages, and the sort of first 10 pages are just an overview of where you currently sit with, I guess, what we discussed, where your assets are sitting, stuff like that.","start":297.915,"end":306.33502,"sentiment":"neutral","sentiment_score":0.048893174129154754},{"text":"But if you're happy and you're comfortable to go ahead, all you need to do is just sign on the sort of the second to last last page, I think, page 26.","start":307.67502,"end":317.31,"sentiment":"neutral","sentiment_score":0.20244568912312388},{"text":"Sign there through the the the signing platform.","start":318.25,"end":321.55,"sentiment":"neutral","sentiment_score":0.08865068294107914},{"text":"There is a text box that if you want to alter the advice, you can write in and say, you know, I don't wanna go ahead with this or I I'm unhappy with this or I wanna, you know, look at including something else or whatever the case may be.","start":322.25,"end":334.465,"sentiment":"neutral","sentiment_score":0.00011599023826420308}],"sentiment":"neutral","sentiment_score":0.06701457892243463,"num_words":133,"start":296.475,"end":334.465},{"sentences":[{"text":"If you're happy to go ahead with everything as I've recommended, just you can put a dot or just write I'm happy in there, and I will implement it on my side so everything will get put in place.","start":334.60498,"end":345.8,"sentiment":"neutral","sentiment_score":0.2774497408133287},{"text":"And the investments will get switched and everything will go kosher.","start":346.41998,"end":349.13998,"sentiment":"positive","sentiment_score":0.43979599530046637},{"text":"I've already got a scheduled booking in for March for us to touch touch base with you beginning of March and get get sort of a more confirmed date come come next year to be able to have a chat.","start":349.13998,"end":361.135,"sentiment":"neutral","sentiment_score":0.24566519036889076},{"text":"Absolutely.","start":370.57,"end":371.07,"sentiment":"neutral","sentiment_score":-0.00032015517354011536},{"text":"Yeah.","start":376.33002,"end":376.83002,"sentiment":"neutral","sentiment_score":-0.005182698369026184}],"sentiment":"neutral","sentiment_score":0.2769500065351958,"num_words":92,"start":334.60498,"end":376.83002},{"sentences":[{"text":"Mhmm.","start":381.21002,"end":381.675,"sentiment":"neutral","sentiment_score":-0.06443627178668976},{"text":"Absolutely.","start":385.675,"end":386.175,"sentiment":"neutral","sentiment_score":0.0558059997856617},{"text":"Yes.","start":391.91498,"end":392.41498,"sentiment":"neutral","sentiment_score":0.1901046484708786},{"text":"So it is definitely possible.","start":393.35498,"end":395.055,"sentiment":"neutral","sentiment_score":0.32915144562721255},{"text":"There's a couple of steps and stages to go through.","start":395.44,"end":397.12,"sentiment":"neutral","sentiment_score":0.06743640601634979}],"sentiment":"neutral","sentiment_score":0.13897753693163395,"num_words":18,"start":381.21002,"end":397.12},{"sentences":[{"text":"So, realistically, what that looks like is that's what's called a compassionate release.","start":397.12,"end":401.46,"sentiment":"neutral","sentiment_score":0.08948145520228606},{"text":"So it's governed by the Australian Taxation Office, ATO.","start":401.68,"end":404.74,"sentiment":"neutral","sentiment_score":0.045449047866794795},{"text":"So what it is is it's actually a really simple process.","start":406.08,"end":409.755,"sentiment":"neutral","sentiment_score":0.15598665381019766},{"text":"I have a an email I can send you that kinda does a step by step for you.","start":409.815,"end":413.435,"sentiment":"neutral","sentiment_score":0.127896378437678},{"text":"But what it is is you apply through myGov through the ATO connected side under a compassionate claim.","start":413.975,"end":423.195,"sentiment":"neutral","sentiment_score":0.038723927922546864}],"sentiment":"neutral","sentiment_score":0.09112056601198687,"num_words":69,"start":397.12,"end":423.195},{"sentences":[{"text":"You would put in that it's a medical like, a medical medical claim.","start":423.43,"end":429.61,"sentiment":"neutral","sentiment_score":-0.004157196587094894},{"text":"You are required to provide doctor's certification.","start":430.78998,"end":435.37,"sentiment":"neutral","sentiment_score":0.005850318819284439},{"text":"So you would go and see a plastic surgeon, I guess, is who you would say for that.","start":435.50998,"end":440.035,"sentiment":"neutral","sentiment_score":-0.023785736929211352},{"text":"You'd see a plastic surgeon, the plastic surgeon would say, yes.","start":440.035,"end":442.435,"sentiment":"neutral","sentiment_score":-0.024081879549405792},{"text":"It's recommended based on blah blah blah.","start":442.435,"end":444.775,"sentiment":"neutral","sentiment_score":-0.03775883199913161}],"sentiment":"neutral","sentiment_score":-0.01732941227965057,"num_words":56,"start":423.43,"end":444.775},{"sentences":[{"text":"You would also need a second doctor.","start":444.995,"end":447.095,"sentiment":"neutral","sentiment_score":-0.026153023753847395},{"text":"So generally speaking, you would have a GP that would recommend you to a plastic surgeon because a plastic surgeon is a specialist, so you have to be referred there anyway.","start":447.155,"end":455.31,"sentiment":"neutral","sentiment_score":-0.03479814024702195},{"text":"But while you're at the GP getting referred, you would get the GP to write up a letter as to why you are going to seek that, that it's causing you back pain, that it's causing you mental anguish, that bras are way too expensive.","start":455.45,"end":467.23,"sentiment":"neutral","sentiment_score":-0.3218676344388061},{"text":"Whatever your reasoning may be, obviously, in that letter.","start":468.46503,"end":472.005,"sentiment":"neutral","sentiment_score":-0.12023063666290706},{"text":"And then your your plastic surgeon would then also write a letter on their behalf.","start":473.02502,"end":477.98502,"sentiment":"neutral","sentiment_score":0.11729220698277155}],"sentiment":"neutral","sentiment_score":-0.1408275671860325,"num_words":107,"start":444.995,"end":477.98502},{"sentences":[{"text":"Your plastic surgeon also would give you an invoice as to what the cost is.","start":477.98502,"end":481.14,"sentiment":"neutral","sentiment_score":0.10730130448937417},{"text":"That invoice is what you use to be able to for the ATO to assess, and the ATO would then assess and release the invoiced amount.","start":481.38,"end":489.88,"sentiment":"neutral","sentiment_score":0.09048585407435894},{"text":"From that, you do need to be aware that the amount is taxable.","start":491.78003,"end":496.415,"sentiment":"neutral","sentiment_score":-0.08494216046081139},{"text":"So the amount that the ATO approved to be released is what would be the net released amount.","start":496.555,"end":501.855,"sentiment":"neutral","sentiment_score":-0.005562603266702758},{"text":"The gross tax is taxed within the super funds.","start":502.475,"end":506.255,"sentiment":"neutral","sentiment_score":0.0025864004467924437}],"sentiment":"neutral","sentiment_score":0.03433400533955406,"num_words":81,"start":477.98502,"end":506.255},{"sentences":[{"text":"Yeah.","start":512.27997,"end":512.52,"sentiment":"neutral","sentiment_score":0.29569804668426514},{"text":"But I'll what I'll do is I'll I'll get my team to flick you a quick email or I'll I'll flick you a quick email that just has, like, the little bit more information to kind of explain it so I'm not overloading it with words.","start":512.52,"end":522.14,"sentiment":"neutral","sentiment_score":0.14092868104901002},{"text":"And it has the steps on how to actually do it so that we can have a look.","start":522.76,"end":528.67505,"sentiment":"neutral","sentiment_score":0.2699483177728123},{"text":"It's pretty intuitive system.","start":528.67505,"end":530.11505,"sentiment":"positive","sentiment_score":0.6360749900341034},{"text":"It's not too difficult.","start":530.11505,"end":531.255,"sentiment":"positive","sentiment_score":0.6223832219839096}],"sentiment":"neutral","sentiment_score":0.22837424579344384,"num_words":73,"start":512.27997,"end":531.255},{"sentences":[{"text":"Honestly, the claim actually only takes about ten minutes to go through on online, and it's a two week turnaround to be approved.","start":531.635,"end":539.17505,"sentiment":"positive","sentiment_score":0.42325906909030414},{"text":"So if you do go see a plastic surgeon yeah.","start":539.33,"end":541.33,"sentiment":"neutral","sentiment_score":0.14857120364904403},{"text":"So if you go see a plastic surgeon and you do get the the you know, go ahead and you get the invoice and you do put the claim in, please give me a call and let me know because there's a couple of other steps that need to happen on your Superfund side, I e, you need to nominate a bank account.","start":541.33,"end":555.925,"sentiment":"neutral","sentiment_score":0.09611981817417675},{"text":"You know, we need we need to make sure that your super fund will do their side.","start":556.225,"end":560.945,"sentiment":"neutral","sentiment_score":0.07477943073300754},{"text":"We can have the money ready to go.","start":560.945,"end":562.725,"sentiment":"positive","sentiment_score":0.3645504489541054}],"sentiment":"neutral","sentiment_score":0.17738738086474828,"num_words":121,"start":531.635,"end":562.725},{"sentences":[{"text":"If you do decide to go ahead and don't tell me and then I get notified by the super fund, it could be a hold off on my end if I don't know about it ahead of time, which look.","start":564.46497,"end":574.65,"sentiment":"neutral","sentiment_score":-0.16872224174439907},{"text":"Realistically, if you don't have the surgery date booked, it shouldn't be an issue, but it only becomes an issue when all of a sudden you rang up and go, I'm having surgery tomorrow.","start":574.65,"end":581.05,"sentiment":"neutral","sentiment_score":0.03202137701651629},{"text":"I don't have the money, which happens.","start":581.05,"end":584.20496,"sentiment":"neutral","sentiment_score":-0.14251758251339197},{"text":"So, yeah, happens all the time.","start":584.985,"end":587.565,"sentiment":"neutral","sentiment_score":-0.0037915227003395557},{"text":"It it is pretty yeah.","start":592.985,"end":595.93,"sentiment":"neutral","sentiment_score":0.08081297278404236}],"sentiment":"neutral","sentiment_score":-0.06822250218576063,"num_words":92,"start":564.46497,"end":595.93},{"sentences":[{"text":"It is pretty straightforward for when it's, like, a surgery or a medical thing that that can't be done through the public system.","start":595.93,"end":601.47003,"sentiment":"neutral","sentiment_score":0.08349368121960889},{"text":"So, like, major dental surgeries are a really, really common one.","start":602.17004,"end":605.63,"sentiment":"neutral","sentiment_score":-0.018816772509704937},{"text":"Cosmetic surgery, so that's what you're looking for is another common one.","start":606.01,"end":609.53,"sentiment":"neutral","sentiment_score":0.022475976807375748},{"text":"IVS, really common as well.","start":609.53,"end":611.795,"sentiment":"neutral","sentiment_score":0.012025951873511076},{"text":"It's just, you know, for other things, like, I lost my job and, you know, Centrelink's not covering it for income.","start":613.535,"end":620.495,"sentiment":"neutral","sentiment_score":-0.052147910154114165}],"sentiment":"neutral","sentiment_score":0.013168132475887736,"num_words":72,"start":595.93,"end":620.495},{"sentences":[{"text":"Can I pull money from my my super?","start":620.495,"end":622.175,"sentiment":"neutral","sentiment_score":-0.06139575829729438},{"text":"No.","start":622.175,"end":622.675,"sentiment":"neutral","sentiment_score":-0.1017991304397583},{"text":"Generally not.","start":623.055,"end":624.115,"sentiment":"neutral","sentiment_score":-0.09885173290967941},{"text":"So it's, you know yes.","start":624.31,"end":625.67004,"sentiment":"neutral","sentiment_score":-0.09379277676343918},{"text":"It can be useful, but it's it's very, very limited in how it can be used.","start":625.67004,"end":630.33,"sentiment":"neutral","sentiment_score":-0.19360711937770247}],"sentiment":"neutral","sentiment_score":-0.1361670767655596,"num_words":32,"start":620.495,"end":630.33},{"sentences":[{"text":"Oh, cool.","start":635.83,"end":636.525,"sentiment":"neutral","sentiment_score":0.3302813768386841},{"text":"I will it will come through on my side.","start":636.92505,"end":639.085,"sentiment":"neutral","sentiment_score":0.2615975754128562},{"text":"I'll oh, yep.","start":639.085,"end":639.885,"sentiment":"neutral","sentiment_score":0.24309506515661874},{"text":"It's there.","start":639.885,"end":640.525,"sentiment":"neutral","sentiment_score":0.2634555548429489},{"text":"I will get it all implemented on my side 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side.","start":654.22003,"end":659.2,"sentiment":"neutral","sentiment_score":0.25124479830265045}],"sentiment":"neutral","sentiment_score":0.22706160989572416,"num_words":53,"start":646.84503,"end":659.2},{"sentences":[{"text":"No.","start":661.26,"end":661.5,"sentiment":"neutral","sentiment_score":0.07113923132419586},{"text":"That's okay.","start":661.5,"end":662.06,"sentiment":"neutral","sentiment_score":0.11052101477980614},{"text":"No problems at all.","start":662.06,"end":662.86,"sentiment":"neutral","sentiment_score":0.08202223107218742},{"text":"Well, if I don't talk to you beforehand, we will talk to you in March next year.","start":662.86,"end":666.715,"sentiment":"neutral","sentiment_score":0.08454962206237457},{"text":"And no problem, Kylene.","start":669.175,"end":670.215,"sentiment":"positive","sentiment_score":0.6793200820684433}],"sentiment":"neutral","sentiment_score":0.1705319317323821,"num_words":28,"start":661.26,"end":670.215},{"sentences":[{"text":"Have a great one.","start":670.215,"end":671.195,"sentiment":"positive","sentiment_score":0.8092236369848251},{"text":"Bye.","start":672.455,"end":672.955,"sentiment":"neutral","sentiment_score":-0.1200518235564232}],"sentiment":"positive","sentiment_score":0.6233685448765754,"num_words":5,"start":670.215,"end":672.955}]}}]},{"alternatives":[{"transcript":"Hello. Carlene speaking. Good. Thanks. How are you? That's good. Okay. Yes. Sure. Kylene Randall. 03/06/1984, and I'm at 5 Storksville Terrace in Charley, New South Wales 2620. 0. Sorry? Yeah. Mhmm. Mhmm. Okay. Yep. Yes. Happy with that. Yep. Mhmm. Yes. Mhmm. Okay. Okay. Okay. Cool. Yeah. Yep. Yeah. Cool. Yep. K. Okay. Okay. Okay. No. That sounds really good. I'm just having a look at the document now. I'm really happy with it. Hey. I do have one question just around the superannuation stuff, and I'm not sure if you'll be able to advise on it. But I was hoping to get, like, a medical procedure done. I wanna I need to get a breast reduction because it keeps giving me, like, back pain. And yeah. So I was going to see if I could use some of my super for that. Okay. Okay. Okay. Okay. Okay. Yep. Yep. Yeah. Yeah. Yep. Okay. Yeah. Yep. Yeah. Okay. Okay. And then it's tax. Jeez. Yeah. Right. Yeah. Right. Okay. Alright. No worries. That's really helpful. Wow. Okay. Okay. Okay. Okay. Okay. Yeah. Right. Okay. Oh, shit. Okay. Yeah. No worries. No. That's I always thought it might be, like, a little bit more difficult than that, but that sounds real straightforward. So I might just go and have a conversation with my GP. Yeah. Yeah. Right. Okay. Yeah. Right. Okay. That's great. Thanks so much. I've signed that document as well. So it's all done. Alright. No worries. Thank you so much. Okay. Yeah. No worries. Thank you. Okay. Yeah. Sounds good. Okay. Thanks, Louisa. You too. Bye.","confidence":0.9970703,"words":[{"word":"hello","start":1.12,"end":1.5999999,"confidence":0.9020996,"punctuated_word":"Hello.","sentiment":"neutral","sentiment_score":0.02951996959745884},{"word":"carlene","start":1.5999999,"end":2.08,"confidence":0.5643921,"punctuated_word":"Carlene","sentiment":"neutral","sentiment_score":0.027577999979257584},{"word":"speaking","start":2.08,"end":2.58,"confidence":0.9980469,"punctuated_word":"speaking.","sentiment":"neutral","sentiment_score":0.02679348550736904},{"word":"good","start":6.64,"end":6.8799996,"confidence":0.99072266,"punctuated_word":"Good.","sentiment":"positive","sentiment_score":0.4898512363433838},{"word":"thanks","start":6.8799996,"end":7.2,"confidence":0.9975586,"punctuated_word":"Thanks.","sentiment":"positive","sentiment_score":0.516981840133667},{"word":"how","start":7.2,"end":7.3599997,"confidence":1.0,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.2729644775390625},{"word":"are","start":7.3599997,"end":7.52,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.22561171650886536},{"word":"you","start":7.52,"end":8.02,"confidence":1.0,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.293811559677124},{"word":"that's","start":10.48,"end":10.8,"confidence":0.8876953,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.695559024810791},{"word":"good","start":10.8,"end":11.3,"confidence":0.939209,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.6122465133666992},{"word":"okay","start":22.945,"end":23.445,"confidence":0.86621094,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.0833856537938118},{"word":"yes","start":30.39,"end":30.89,"confidence":0.6895752,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.1114370822906494},{"word":"sure","start":39.765,"end":40.265,"confidence":0.99560547,"punctuated_word":"Sure.","sentiment":"neutral","sentiment_score":0.030538320541381836},{"word":"kylene","start":40.405,"end":40.805,"confidence":0.57836914,"punctuated_word":"Kylene","sentiment":"neutral","sentiment_score":0.017975207418203354},{"word":"randall","start":40.805,"end":41.305,"confidence":0.6442871,"punctuated_word":"Randall.","sentiment":"neutral","sentiment_score":0.019248027354478836},{"word":"03/06/1984","start":41.364998,"end":42.805,"confidence":0.75231934,"punctuated_word":"03/06/1984,","sentiment":"neutral","sentiment_score":0.01673610508441925},{"word":"and","start":42.805,"end":43.045,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.017052777111530304},{"word":"i'm","start":43.045,"end":43.285,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.022646119818091393},{"word":"at","start":43.285,"end":43.785,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.02193284034729004},{"word":"5","start":44.324997,"end":44.644997,"confidence":0.8027344,"punctuated_word":"5","sentiment":"neutral","sentiment_score":0.02883235365152359},{"word":"storksville","start":44.644997,"end":45.144997,"confidence":0.7311198,"punctuated_word":"Storksville","sentiment":"neutral","sentiment_score":0.03018532693386078},{"word":"terrace","start":45.285,"end":45.785,"confidence":0.9980469,"punctuated_word":"Terrace","sentiment":"neutral","sentiment_score":0.03616262599825859},{"word":"in","start":46.085,"end":46.484997,"confidence":0.99609375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.028298433870077133},{"word":"charley","start":46.484997,"end":46.964996,"confidence":0.74820966,"punctuated_word":"Charley,","sentiment":"neutral","sentiment_score":0.03108702413737774},{"word":"new","start":46.964996,"end":47.125,"confidence":1.0,"punctuated_word":"New","sentiment":"neutral","sentiment_score":0.03424971178174019},{"word":"south","start":47.125,"end":47.285,"confidence":1.0,"punctuated_word":"South","sentiment":"neutral","sentiment_score":0.03655478358268738},{"word":"wales","start":47.285,"end":47.684998,"confidence":1.0,"punctuated_word":"Wales","sentiment":"neutral","sentiment_score":0.028189819306135178},{"word":"2620","start":47.684998,"end":48.824997,"confidence":0.9822998,"punctuated_word":"2620.","sentiment":"neutral","sentiment_score":0.03222024068236351},{"word":"0","start":49.524998,"end":49.844997,"confidence":0.890625,"punctuated_word":"0.","sentiment":"neutral","sentiment_score":0.032238274812698364},{"word":"sorry","start":49.844997,"end":50.344997,"confidence":0.7800293,"punctuated_word":"Sorry?","sentiment":"neutral","sentiment_score":0.001563824713230133},{"word":"yeah","start":73.585,"end":74.085,"confidence":0.89453125,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.01035829447209835},{"word":"mhmm","start":85.7,"end":86.2,"confidence":0.9715576,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.0018820157274603844},{"word":"mhmm","start":92.659996,"end":9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Carlene speaking. Good. Thanks. How are you?\n\nThat's good. Okay. Yes. Sure. Kylene Randall.\n\n03/06/1984, and I'm at 5 Storksville Terrace in Charley, New South Wales 2620. 0. Sorry? Yeah. Mhmm.\n\nMhmm. Okay. Yep. Yes. Happy with that.\n\nYep. Mhmm. Yes. Mhmm. Okay.\n\nOkay. Okay. Cool. Yeah. Yep.\n\nYeah. Cool. Yep. K. Okay.\n\nOkay. Okay. No. That sounds really good. I'm just having a look at the document now.\n\nI'm really happy with it. Hey. I do have one question just around the superannuation stuff, and I'm not sure if you'll be able to advise on it. But I was hoping to get, like, a medical procedure done. I wanna I need to get a breast reduction because it keeps giving me, like, back pain.\n\nAnd yeah. So I was going to see if I could use some of my super for that. Okay. Okay. Okay.\n\nOkay. Okay. Yep. Yep. Yeah.\n\nYeah. Yep. Okay. Yeah. Yep.\n\nYeah. Okay. Okay. And then it's tax. Jeez.\n\nYeah. Right. Yeah. Right. Okay.\n\nAlright. No worries. That's really helpful. Wow. 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sounds really good.","start":363.01,"end":363.97,"sentiment":"positive","sentiment_score":0.4486492872238159},{"text":"I'm just having a look at the document now.","start":363.97,"end":367.67,"sentiment":"positive","sentiment_score":0.40684224168459576}],"sentiment":"positive","sentiment_score":0.3763653337955475,"num_words":16,"start":354.585,"end":367.67},{"sentences":[{"text":"I'm really happy with it.","start":367.89,"end":368.85,"sentiment":"positive","sentiment_score":0.8070141434669494},{"text":"Hey.","start":368.85,"end":369.01,"sentiment":"neutral","sentiment_score":0.09374423325061798},{"text":"I do have one question just around the superannuation stuff, and I'm not sure if you'll be able to advise on it.","start":369.01,"end":376.41498,"sentiment":"neutral","sentiment_score":-0.028522863306782463},{"text":"But I was hoping to get, like, a medical procedure done.","start":376.79498,"end":380.41498,"sentiment":"neutral","sentiment_score":-0.018932900476184757},{"text":"I wanna I need to get a breast reduction because it keeps giving me, like, back pain.","start":381.19498,"end":385.455,"sentiment":"neutral","sentiment_score":-0.19852202385663986}],"sentiment":"neutral","sentiment_score":-0.0014611491600849803,"num_words":56,"start":367.89,"end":385.455},{"sentences":[{"text":"And yeah.","start":385.9,"end":387.26,"sentiment":"neutral","sentiment_score":-0.008116699755191803},{"text":"So I was going to see if I could use some of my super for that.","start":387.26,"end":391.44,"sentiment":"neutral","sentiment_score":0.0022607336286455393},{"text":"Okay.","start":395.66,"end":396.16,"sentiment":"neutral","sentiment_score":0.0605936273932457},{"text":"Okay.","start":403.195,"end":403.695,"sentiment":"neutral","sentiment_score":0.03815540671348572},{"text":"Okay.","start":405.27502,"end":405.77502,"sentiment":"neutral","sentiment_score":0.07464522123336792}],"sentiment":"neutral","sentiment_score":0.009206313994668779,"num_words":21,"start":385.9,"end":405.77502},{"sentences":[{"text":"Okay.","start":421.61,"end":422.11,"sentiment":"neutral","sentiment_score":0.02399338409304619},{"text":"Okay.","start":423.825,"end":424.325,"sentiment":"neutral","sentiment_score":0.015755794942378998},{"text":"Yep.","start":428.465,"end":428.965,"sentiment":"neutral","sentiment_score":-0.0016880271723493934},{"text":"Yep.","start":429.825,"end":430.325,"sentiment":"neutral","sentiment_score":0.019903000444173813},{"text":"Yeah.","start":436.385,"end":436.65,"sentiment":"neutral","sentiment_score":0.011286236345767977}],"sentiment":"neutral","sentiment_score":0.013850077730603516,"num_words":5,"start":421.61,"end":436.65},{"sentences":[{"text":"Yeah.","start":436.65,"end":437.15,"sentiment":"neutral","sentiment_score":-0.005233682692050934},{"text":"Yep.","start":444.97,"end":445.47,"sentiment":"neutral","sentiment_score":-0.008015241473913193},{"text":"Okay.","start":447.53,"end":448.03,"sentiment":"neutral","sentiment_score":-0.009911448694765568},{"text":"Yeah.","start":453.225,"end":453.725,"sentiment":"neutral","sentiment_score":-0.024564484134316444},{"text":"Yep.","start":455.70502,"end":456.20502,"sentiment":"neutral","sentiment_score":-0.1318548321723938}],"sentiment":"neutral","sentiment_score":-0.03591593783348799,"num_words":5,"start":436.65,"end":456.20502},{"sentences":[{"text":"Yeah.","start":471.08,"end":471.58,"sentiment":"neutral","sentiment_score":-0.07332508265972137},{"text":"Okay.","start":481.515,"end":482.015,"sentiment":"neutral","sentiment_score":0.11435620486736298},{"text":"Okay.","start":490.23502,"end":490.73502,"sentiment":"neutral","sentiment_score":0.01470823399722576},{"text":"And then it's tax.","start":502.47998,"end":503.62,"sentiment":"neutral","sentiment_score":-0.01944586355239153},{"text":"Jeez.","start":504.315,"end":504.815,"sentiment":"neutral","sentiment_score":-0.024526093155145645}],"sentiment":"neutral","sentiment_score":-0.00582127389498055,"num_words":8,"start":471.08,"end":504.815},{"sentences":[{"text":"Yeah.","start":505.115,"end":505.435,"sentiment":"neutral","sentiment_score":0.023872289806604385},{"text":"Right.","start":505.435,"end":505.935,"sentiment":"neutral","sentiment_score":0.030419975519180294},{"text":"Yeah.","start":506.395,"end":506.79498,"sentiment":"neutral","sentiment_score":0.10512492060661316},{"text":"Right.","start":506.79498,"end":507.115,"sentiment":"neutral","sentiment_score":0.124131977558136},{"text":"Okay.","start":507.115,"end":507.615,"sentiment":"neutral","sentiment_score":0.17329716682434082}],"sentiment":"neutral","sentiment_score":0.09136926606297494,"num_words":5,"start":505.115,"end":507.615},{"sentences":[{"text":"Alright.","start":508.63498,"end":509.13498,"sentiment":"neutral","sentiment_score":0.24931637942790985},{"text":"No worries.","start":510.395,"end":511.035,"sentiment":"positive","sentiment_score":0.3788531422615051},{"text":"That's really helpful.","start":511.035,"end":512.015,"sentiment":"positive","sentiment_score":0.6499226093292236},{"text":"Wow.","start":539.825,"end":540.305,"sentiment":"neutral","sentiment_score":0.2134418785572052},{"text":"Okay.","start":540.305,"end":540.805,"sentiment":"neutral","sentiment_score":0.1534392386674881}],"sentiment":"positive","sentiment_score":0.41545895114541054,"num_words":8,"start":508.63498,"end":540.805},{"sentences":[{"text":"Okay.","start":554.08997,"end":554.58997,"sentiment":"neutral","sentiment_score":0.045809805393218994},{"text":"Okay.","start":558.375,"end":558.875,"sentiment":"neutral","sentiment_score":0.06995794177055359},{"text":"Okay.","start":563.095,"end":563.595,"sentiment":"neutral","sentiment_score":-0.018161244690418243},{"text":"Okay.","start":572.295,"end":572.795,"sentiment":"neutral","sentiment_score":-0.029122456908226013},{"text":"Yeah.","start":582.38,"end":582.7,"sentiment":"neutral","sentiment_score":-0.06940068304538727}],"sentiment":"neutral","sentiment_score":-0.00018332749605178832,"num_words":5,"start":554.08997,"end":582.7},{"sentences":[{"text":"Right.","start":582.7,"end":583.1,"sentiment":"neutral","sentiment_score":-0.015775427222251892},{"text":"Okay.","start":583.1,"end":583.6,"sentiment":"neutral","sentiment_score":-0.004690096713602543},{"text":"Oh, shit.","start":585.02,"end":585.66,"sentiment":"neutral","sentiment_score":-0.14775558561086657},{"text":"Okay.","start":585.66,"end":586.16,"sentiment":"neutral","sentiment_score":-0.040647994726896286},{"text":"Yeah.","start":586.22,"end":586.54,"sentiment":"neutral","sentiment_score":-0.005517140496522188}],"sentiment":"neutral","sentiment_score":-0.060356971730167665,"num_words":6,"start":582.7,"end":586.54},{"sentences":[{"text":"No worries.","start":586.54,"end":587.18,"sentiment":"neutral","sentiment_score":-0.002816610038280487},{"text":"No.","start":587.18,"end":587.26,"sentiment":"neutral","sentiment_score":-0.014484671875834463},{"text":"That's I always thought it might be, like, a little bit more difficult than that, but that sounds real straightforward.","start":587.26,"end":592.17505,"sentiment":"neutral","sentiment_score":0.013395948451943696},{"text":"So I might just go and have a conversation with my GP.","start":592.315,"end":595.055,"sentiment":"neutral","sentiment_score":0.07327649680276711},{"text":"Yeah.","start":606.0,"end":606.5,"sentiment":"neutral","sentiment_score":0.021832553669810295}],"sentiment":"neutral","sentiment_score":0.031915322010819286,"num_words":36,"start":586.54,"end":606.5},{"sentences":[{"text":"Yeah.","start":623.215,"end":623.535,"sentiment":"neutral","sentiment_score":-0.08238030970096588},{"text":"Right.","start":623.535,"end":624.035,"sentiment":"neutral","sentiment_score":-0.11561281979084016},{"text":"Okay.","start":624.575,"end":625.075,"sentiment":"neutral","sentiment_score":-0.1045021265745163},{"text":"Yeah.","start":630.75995,"end":631.0,"sentiment":"neutral","sentiment_score":0.016034862026572227},{"text":"Right.","start":631.0,"end":631.24,"sentiment":"neutral","sentiment_score":0.05668950453400612}],"sentiment":"neutral","sentiment_score":-0.04595417790114879,"num_words":5,"start":623.215,"end":631.24},{"sentences":[{"text":"Okay.","start":631.24,"end":631.63995,"sentiment":"neutral","sentiment_score":0.14940376579761505},{"text":"That's great.","start":631.63995,"end":632.19995,"sentiment":"positive","sentiment_score":0.5256503820419312},{"text":"Thanks so much.","start":632.19995,"end":633.25995,"sentiment":"positive","sentiment_score":0.6607811252276102},{"text":"I've signed that document as well.","start":633.31995,"end":635.57996,"sentiment":"neutral","sentiment_score":0.282330018778642},{"text":"So it's all done.","start":636.6,"end":637.66,"sentiment":"neutral","sentiment_score":0.24787069484591484}],"sentiment":"positive","sentiment_score":0.3667819248512387,"num_words":16,"start":631.24,"end":637.66},{"sentences":[{"text":"Alright.","start":644.27997,"end":644.75995,"sentiment":"neutral","sentiment_score":0.17932221293449402},{"text":"No worries.","start":644.75995,"end":645.31995,"sentiment":"neutral","sentiment_score":0.21703465282917023},{"text":"Thank you so much.","start":645.31995,"end":646.365,"sentiment":"positive","sentiment_score":0.4660252332687378},{"text":"Okay.","start":658.925,"end":659.40497,"sentiment":"neutral","sentiment_score":0.11266902089118958},{"text":"Yeah.","start":659.40497,"end":659.725,"sentiment":"neutral","sentiment_score":0.10768263041973114}],"sentiment":"neutral","sentiment_score":0.29976045588652295,"num_words":9,"start":644.27997,"end":659.725},{"sentences":[{"text":"No worries.","start":659.725,"end":660.205,"sentiment":"neutral","sentiment_score":0.13807957619428635},{"text":"Thank you.","start":660.205,"end":660.945,"sentiment":"neutral","sentiment_score":0.2890655994415283},{"text":"Okay.","start":663.35004,"end":663.85004,"sentiment":"neutral","sentiment_score":-0.04267296567559242},{"text":"Yeah.","start":666.79004,"end":667.19,"sentiment":"positive","sentiment_score":0.5220950245857239},{"text":"Sounds good.","start":667.19,"end":667.75,"sentiment":"positive","sentiment_score":0.7777866721153259}],"sentiment":"positive","sentiment_score":0.3611607193015516,"num_words":8,"start":659.725,"end":667.75},{"sentences":[{"text":"Okay.","start":667.75,"end":667.99005,"sentiment":"positive","sentiment_score":0.5702770948410034},{"text":"Thanks, Louisa.","start":667.99005,"end":668.81,"sentiment":"positive","sentiment_score":0.7714562714099884},{"text":"You too.","start":671.11005,"end":671.59,"sentiment":"positive","sentiment_score":0.5921438932418823},{"text":"Bye.","start":671.59,"end":672.09,"sentiment":"neutral","sentiment_score":0.3222174048423767}],"sentiment":"positive","sentiment_score":0.6032824714978536,"num_words":6,"start":667.75,"end":672.09}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Carlene speaking.\n\nChannel 0: Hi, Kylie. Larissa from OQ Financial. How are you going?\n\nChannel 1: Good. Thanks. How are you?\n\nChannel 0: Yeah. Really good. Thanks, Joe.\n\nChannel 1: That's good.\n\nChannel 0: I was just giving you a call just to touch base after I had after we had our conversation a couple weeks ago, and I've been able to go through and get the recommendations all drawn up for you.\n\nChannel 1: Okay.\n\nChannel 0: I've sent through the advice document, but did you have a couple of moments to just have a brief chat about it?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Cool. Cool. Cool. Alright.\n\nWell, before I jump into it, I do need to let you know our calls are recorded. And if I could just get you to confirm security for me, it's just full name, date of birth, and address.\n\nChannel 1: Sure. Kylene Randall. 03/06/1984, and I'm at 5 Storksville Terrace in Charley, New South Wales 2620.\n\nChannel 0: Amazing.\n\nChannel 1: 0. Sorry?\n\nChannel 0: No. You're perfect. Awesome. So ultimately speaking, the like, following our discussion, we basically made the decision that we were not gonna go ahead with the insurance changes that we had previously recommended and that we were going to just hold off on that until for sort of another six months and touch base in the March.\n\nChannel 1: Yeah.\n\nChannel 0: And that what we were going to look at was basically just your superannuation and some of the underlying assets that were held within the within the fund.\n\nChannel 1: Mhmm.\n\nChannel 0: So what I've done in the document look. The first few pages is basically just an overview of where your position sits.\n\nChannel 1: Mhmm.\n\nChannel 0: But, really, where everything kinda gets juicy is from pay page 16 down. It kind of explains that I predict there's gonna be sort of about a 400 CGT element. So that's just capital gains tax payable for selling down some of the assets because of the growth you've made on on those assets.\n\nChannel 1: Okay.\n\nChannel 0: And that we're just making a little bit of a move, getting rid of some of the more underperforming assets, or getting rid of those ones that are costing a little bit more, and just\n\nChannel 1: Yep.\n\nChannel 0: rediversifying out into other holdings. So one of the assets I'm getting rid of is a bank hybrid. That's because they're being phased out within the next few years. And rather than just allow it to run off organically and you'll be phased into another asset, I'd rather we make the actual decision on where we wanna move now while the performance in that is sitting pretty good\n\nChannel 1: Yes.\n\nChannel 0: rather\n\nChannel 1: Happy with that.\n\nChannel 0: than, yeah, than move from there. I'm\n\nChannel 1: Yep.\n\nChannel 0: removing the little bit of agriculture that you have sitting in there. There\n\nChannel 1: Mhmm.\n\nChannel 0: are other agricultural assets within the portfolio, but that was a specific agri asset. I'm rebalancing the gold a little bit, rebalancing your cybersecurity asset. There's a lot of rebalances happening just sort of reshifting from, you know, where you'd sort of gone a little bit off kilter.\n\nChannel 1: Yes.\n\nChannel 0: Getting rid of the Bennelong and the infrastructure fund\n\nChannel 1: Mhmm.\n\nChannel 0: completely. The Bennelong Australian Fund, the performance hasn't really been there, and it's a little bit costly, same with the\n\nChannel 1: Okay.\n\nChannel 0: Performance hasn't been too bad, but, again, the cost is just not really there anymore for how much that asset cost per annum from a underlying asset cost and just rediversifying out into some Europe, Japan, and all all world assets along with basically some Australian assets as well. So you're picking up sort of five new new assets and then rebalancing the rest or or offloading them, really. So it's not\n\nChannel 1: Okay.\n\nChannel 0: major major changes, but just a bit of a shift throughout some of the assets. And overall, we're gonna historically, we're looking at sort of about a one and a half percent increase over five year rolling averages with the the rebalance as well. So cheaper cheaper out outcome in terms of cost basis. So investment the investment fee is going from about $643 for the asset that you currently hold over to 240. So saving us sort of $400 a year in in the investment costs by offloading those more expensive assets, and we're we're improving that that return as well.\n\nChannel 1: Okay. Cool.\n\nChannel 0: So not a major one as we discussed. I think in the March, we'll have a little bit more that we can touch on and discuss after things settle for you and you've been able to, I guess, finalize where you're sitting at and figure out the work structure and possibly go to multiple time work and, I guess, depending on how the study goes.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: And we can we can touch base in the March and and go from there as to whether there's any other areas that you wanna look at at that point. But this is a good basis for where we wanna head right now just\n\nChannel 1: Yeah.\n\nChannel 0: to\n\nChannel 1: Cool.\n\nChannel 0: clean that side up.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Well, I I don't I'm not gonna push you to sign. Like, obviously, I want you to take the time to read over the document. Look. It's not a it's not a crazy big document.\n\nIt's only 27 pages, and the sort of first 10 pages are just an overview of where you currently sit with, I guess, what we discussed, where your assets are sitting, stuff like that. But if you're happy and you're comfortable to go ahead, all you need to do is just sign on the sort of the second to last last page, I think, page 26. Sign there through the the the signing platform. There is a text box that if you want to alter the advice, you can write in and say, you know, I don't wanna go ahead with this or I I'm unhappy with this or I wanna, you know, look at including something else or whatever the case may be. If you're happy to go ahead with everything as I've recommended, just you can put a dot or just write I'm happy\n\nChannel 1: K.\n\nChannel 0: in there,\n\nChannel 1: Okay.\n\nChannel 0: and I will implement it on my side so everything will get put in place. And the investments will get switched and everything will go kosher. I've already got a scheduled booking in for March for us to touch touch base with you beginning of March\n\nChannel 1: Okay.\n\nChannel 0: and get get sort of a more confirmed date come come next year to be able to have a chat.\n\nChannel 1: Okay. No. That sounds really good. I'm just having a look at the document now. I'm really happy with it.\n\nHey. I do have one question\n\nChannel 0: Absolutely.\n\nChannel 1: just around the superannuation stuff, and I'm not sure if you'll be able to advise on it.\n\nChannel 0: Yeah.\n\nChannel 1: But I was hoping to get, like, a medical procedure done. I\n\nChannel 0: Mhmm.\n\nChannel 1: wanna I need to get a breast reduction because it keeps giving me, like, back pain.\n\nChannel 0: Absolutely.\n\nChannel 1: And yeah. So I was going to see if I could use some of my super for that.\n\nChannel 0: Yes. So it is definitely possible. There's a\n\nChannel 1: Okay.\n\nChannel 0: couple of steps and stages to go through. So, realistically, what that looks like is that's what's called a compassionate release. So it's governed by the Australian\n\nChannel 1: Okay.\n\nChannel 0: Taxation Office, ATO.\n\nChannel 1: Okay.\n\nChannel 0: So what it is is it's actually a really simple process. I have a an email I can send you that kinda does a step by step for you. But what it is is you apply through myGov through the ATO connected side\n\nChannel 1: Okay.\n\nChannel 0: under a compassionate claim. You would put\n\nChannel 1: Okay.\n\nChannel 0: in that it's a medical like, a medical medical\n\nChannel 1: Yep.\n\nChannel 0: claim.\n\nChannel 1: Yep.\n\nChannel 0: You are required to provide doctor's certification. So you would go and\n\nChannel 1: Yeah.\n\nChannel 0: see\n\nChannel 1: Yeah.\n\nChannel 0: a plastic surgeon, I guess, is who you would say for that. You'd see a plastic surgeon, the plastic surgeon would say, yes. It's recommended based on blah blah blah.\n\nChannel 1: Yep.\n\nChannel 0: You would also need a second doctor. So generally\n\nChannel 1: Okay.\n\nChannel 0: speaking, you would have a GP that would recommend you to a plastic surgeon because a plastic surgeon is a specialist,\n\nChannel 1: Yeah.\n\nChannel 0: so you have to be referred there anyway. But while\n\nChannel 1: Yep.\n\nChannel 0: you're at the GP getting referred, you would get the GP to write up a letter as to why you are going to seek that, that it's causing you back pain, that it's causing you mental anguish, that bras are way too expensive. Whatever your reasoning may be, obviously,\n\nChannel 1: Yeah.\n\nChannel 0: in that letter. And then your your plastic surgeon would then also write a letter on their behalf. Your plastic surgeon also would give you an invoice as to what the cost is. That\n\nChannel 1: Okay.\n\nChannel 0: invoice is what you use to be able to for the ATO to assess, and the ATO would then assess and release the invoiced amount.\n\nChannel 1: Okay.\n\nChannel 0: From that, you do need to be aware that the amount is taxable. So the amount that the ATO approved to be released is what would be the net released amount. The\n\nChannel 1: And then\n\nChannel 0: gross\n\nChannel 1: it's\n\nChannel 0: tax\n\nChannel 1: tax.\n\nChannel 0: is taxed\n\nChannel 1: Jeez.\n\nChannel 0: within\n\nChannel 1: Yeah.\n\nChannel 0: the\n\nChannel 1: Right.\n\nChannel 0: super funds.\n\nChannel 1: Yeah. Right. Okay. Alright. No worries.\n\nThat's really helpful.\n\nChannel 0: Yeah. But I'll what I'll do is I'll I'll get my team to flick you a quick email or I'll I'll flick you a quick email that just has, like, the little bit more information to kind of explain it so I'm not overloading it with words. And it has the steps on how to actually do it so that we can have a look. It's pretty intuitive system. It's not too difficult.\n\nHonestly, the claim actually only takes about ten minutes to go through on online, and it's a two week turnaround to be approved. So if you do\n\nChannel 1: Wow.\n\nChannel 0: go see a\n\nChannel 1: Okay.\n\nChannel 0: plastic surgeon yeah. So if you go see a plastic surgeon and you do get the the you know, go ahead and you get the invoice and you do put the claim in, please give me a call and let me know because there's a couple of other steps that need to happen on your Superfund side, I e,\n\nChannel 1: Okay.\n\nChannel 0: you need to nominate a bank account. You know, we need we need to make sure that your super\n\nChannel 1: Okay.\n\nChannel 0: fund will do their side. We can have the money ready to go.\n\nChannel 1: Okay.\n\nChannel 0: If you do decide to go ahead and don't tell me and then I get notified by the super fund, it could be a hold off on my end if I don't know about it ahead of time,\n\nChannel 1: Okay.\n\nChannel 0: which look. Realistically, if you don't have the surgery date booked, it shouldn't be an issue, but it only becomes an issue when all of a sudden you rang up and go, I'm having surgery tomorrow. I don't have the money,\n\nChannel 1: Yeah. Right. Okay.\n\nChannel 0: which happens. So,\n\nChannel 1: Oh, shit. Okay.\n\nChannel 0: yeah,\n\nChannel 1: Yeah.\n\nChannel 0: happens\n\nChannel 1: No worries.\n\nChannel 0: all the time.\n\nChannel 1: No. That's I always thought it might be, like, a little bit more difficult than that, but that sounds real straightforward. So I might just\n\nChannel 0: It\n\nChannel 1: go and have\n\nChannel 0: it\n\nChannel 1: a\n\nChannel 0: is\n\nChannel 1: conversation\n\nChannel 0: pretty\n\nChannel 1: with my GP.\n\nChannel 0: yeah. It is pretty straightforward for when it's, like, a surgery or a medical thing that that can't be done through the public system. So, like, major dental surgeries are a really, really common one.\n\nChannel 1: Yeah.\n\nChannel 0: Cosmetic surgery, so that's what you're looking for is another common one. IVS, really common as well. It's just, you know, for other things, like, I lost my job and, you know, Centrelink's not covering it for income. Can I pull money from my my super? No.\n\nGenerally\n\nChannel 1: Yeah. Right.\n\nChannel 0: not. So it's,\n\nChannel 1: Okay.\n\nChannel 0: you know yes. It can be useful, but it's it's very, very limited in how it can be used.\n\nChannel 1: Yeah. Right. Okay. That's great. Thanks so much.\n\nI've signed that document as well.\n\nChannel 0: Oh, cool.\n\nChannel 1: So it's\n\nChannel 0: I\n\nChannel 1: all\n\nChannel 0: will\n\nChannel 1: done.\n\nChannel 0: it will come through on my side. I'll oh, yep. It's there. I will get it all implemented on my side then.\n\nChannel 1: Alright. No worries. Thank you so much.\n\nChannel 0: No. That's okay. I'll flick an email off to you, and you'll have a email change. So if you do decide to go ahead or you are approved, you can just let me know that way. So that way, I can get the team to make sure everything goes closer on my side.\n\nChannel 1: Okay. Yeah. No worries. Thank you.\n\nChannel 0: No. That's okay. No problems at all. Well, if I don't\n\nChannel 1: Okay.\n\nChannel 0: talk to you beforehand, we will talk to you in March next year.\n\nChannel 1: Yeah. Sounds good. Okay. Thanks, Louisa.\n\nChannel 0: And no problem, Kylene. Have a great one.\n\nChannel 1: You too. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.12,"end":1.5999999,"sentiment":"neutral","sentiment_score":0.02951996959745884},{"text":"Carlene speaking.","start":1.5999999,"end":2.58,"sentiment":"neutral","sentiment_score":0.027185742743313313}],"sentiment":"neutral","sentiment_score":0.02796381836136182,"channel":1,"num_words":3,"start":1.12,"end":2.58},{"sentences":[{"text":"Hi, Kylie.","start":2.96,"end":3.9199998,"sentiment":"neutral","sentiment_score":0.1302342787384987},{"text":"Larissa from OQ Financial.","start":3.9199998,"end":5.3599997,"sentiment":"neutral","sentiment_score":0.13533825054764748},{"text":"How are you going?","start":5.3599997,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.18282486870884895}],"sentiment":"neutral","sentiment_score":0.1533121034502983,"channel":0,"num_words":10,"start":2.96,"end":6.2599998},{"sentences":[{"text":"Good.","start":6.64,"end":6.8799996,"sentiment":"positive","sentiment_score":0.4898512363433838},{"text":"Thanks.","start":6.8799996,"end":7.2,"sentiment":"positive","sentiment_score":0.516981840133667},{"text":"How are you?","start":7.2,"end":8.02,"sentiment":"neutral","sentiment_score":0.26412925124168396}],"sentiment":"positive","sentiment_score":0.3598441660404205,"channel":1,"num_words":5,"start":6.64,"end":8.02},{"sentences":[{"text":"Yeah.","start":8.16,"end":8.639999,"sentiment":"positive","sentiment_score":0.3566353917121887},{"text":"Really good.","start":8.639999,"end":9.28,"sentiment":"positive","sentiment_score":0.6362264454364777},{"text":"Thanks, Joe.","start":9.28,"end":10.179999,"sentiment":"positive","sentiment_score":0.6457743942737579}],"sentiment":"positive","sentiment_score":0.584127414226532,"channel":0,"num_words":5,"start":8.16,"end":10.179999},{"sentences":[{"text":"That's good.","start":10.48,"end":11.3,"sentiment":"positive","sentiment_score":0.6539027690887451}],"sentiment":"positive","sentiment_score":0.6539027690887451,"channel":1,"num_words":2,"start":10.48,"end":11.3},{"sentences":[{"text":"I was just giving you a call just to touch base after I had after we had our conversation a couple weeks ago, and I've been able to go through and get the recommendations all drawn up for you.","start":11.44,"end":22.615,"sentiment":"neutral","sentiment_score":0.2809923073420158}],"sentiment":"neutral","sentiment_score":0.2809923073420158,"channel":0,"num_words":39,"start":11.44,"end":22.615},{"sentences":[{"text":"Okay.","start":22.945,"end":23.445,"sentiment":"neutral","sentiment_score":0.0833856537938118}],"sentiment":"neutral","sentiment_score":0.0833856537938118,"channel":1,"num_words":1,"start":22.945,"end":23.445},{"sentences":[{"text":"I've sent through the advice document, but did you have a couple of moments to just have a brief chat about it?","start":23.075,"end":29.735,"sentiment":"neutral","sentiment_score":0.06518054110082713}],"sentiment":"neutral","sentiment_score":0.06518054110082713,"channel":0,"num_words":22,"start":23.075,"end":29.735},{"sentences":[{"text":"Yes.","start":30.39,"end":30.89,"sentiment":"neutral","sentiment_score":0.1114370822906494}],"sentiment":"neutral","sentiment_score":0.1114370822906494,"channel":1,"num_words":1,"start":30.39,"end":30.89},{"sentences":[{"text":"Yeah.","start":31.11,"end":31.43,"sentiment":"neutral","sentiment_score":0.16533656418323517},{"text":"Cool.","start":31.43,"end":31.75,"sentiment":"neutral","sentiment_score":0.2881840467453003},{"text":"Cool.","start":31.75,"end":31.99,"sentiment":"neutral","sentiment_score":0.30242568254470825},{"text":"Cool.","start":31.99,"end":32.15,"sentiment":"neutral","sentiment_score":0.285433292388916},{"text":"Alright.","start":32.15,"end":32.39,"sentiment":"neutral","sentiment_score":0.1563866138458252}],"sentiment":"neutral","sentiment_score":0.239553239941597,"channel":0,"num_words":5,"start":31.11,"end":32.39},{"sentences":[{"text":"Well, before I jump into it, I do need to let you know our calls are recorded.","start":32.39,"end":34.87,"sentiment":"neutral","sentiment_score":0.037869845352628655},{"text":"And if I could just get you to confirm security for me, it's just full name, date of birth, and address.","start":34.87,"end":39.13,"sentiment":"neutral","sentiment_score":0.05156250776989119}],"sentiment":"neutral","sentiment_score":0.04543684300427374,"channel":0,"num_words":38,"start":32.39,"end":39.13},{"sentences":[{"text":"Sure.","start":39.765,"end":40.265,"sentiment":"neutral","sentiment_score":0.030538320541381836},{"text":"Kylene Randall.","start":40.405,"end":41.305,"sentiment":"neutral","sentiment_score":0.018611617386341095},{"text":"03/06/1984, and I'm at 5 Storksville Terrace in Charley, New South Wales 2620.","start":41.364998,"end":48.824997,"sentiment":"neutral","sentiment_score":0.02801139710041193}],"sentiment":"neutral","sentiment_score":0.026994357351213694,"channel":1,"num_words":16,"start":39.765,"end":48.824997},{"sentences":[{"text":"Amazing.","start":49.364998,"end":49.864998,"sentiment":"neutral","sentiment_score":0.11865150928497314}],"sentiment":"neutral","sentiment_score":0.11865150928497314,"channel":0,"num_words":1,"start":49.364998,"end":49.864998},{"sentences":[{"text":"0.","start":49.524998,"end":49.844997,"sentiment":"neutral","sentiment_score":0.032238274812698364},{"text":"Sorry?","start":49.844997,"end":50.344997,"sentiment":"neutral","sentiment_score":0.001563824713230133}],"sentiment":"neutral","sentiment_score":0.01690104976296425,"channel":1,"num_words":2,"start":49.524998,"end":50.344997},{"sentences":[{"text":"No.","start":50.965,"end":51.204998,"sentiment":"neutral","sentiment_score":-0.02553907409310341},{"text":"You're perfect.","start":51.204998,"end":51.945,"sentiment":"neutral","sentiment_score":0.13624656200408936},{"text":"Awesome.","start":52.644997,"end":53.144997,"sentiment":"neutral","sentiment_score":0.2924777865409851},{"text":"So ultimately speaking, the like, following our discussion, we basically made the decision that we were not gonna go ahead with the insurance changes that we had previously recommended and that we were going to just hold off on that until for sort of another six months and touch base in the March.","start":53.445,"end":72.655,"sentiment":"neutral","sentiment_score":-0.058525069388297365}],"sentiment":"neutral","sentiment_score":-0.044954330546029826,"channel":0,"num_words":57,"start":50.965,"end":72.655},{"sentences":[{"text":"Yeah.","start":73.585,"end":74.085,"sentiment":"neutral","sentiment_score":-0.01035829447209835}],"sentiment":"neutral","sentiment_score":-0.01035829447209835,"channel":1,"num_words":1,"start":73.585,"end":74.085},{"sentences":[{"text":"And that what we were going to look at was basically just your superannuation and some of the underlying assets that were held within the within the fund.","start":74.555,"end":85.055,"sentiment":"neutral","sentiment_score":-0.006104522850364447}],"sentiment":"neutral","sentiment_score":-0.006104522850364447,"channel":0,"num_words":28,"start":74.555,"end":85.055},{"sentences":[{"text":"Mhmm.","start":85.7,"end":86.2,"sentiment":"neutral","sentiment_score":-0.0018820157274603844}],"sentiment":"neutral","sentiment_score":-0.0018820157274603844,"channel":1,"num_words":1,"start":85.7,"end":86.2},{"sentences":[{"text":"So what I've done in the document look.","start":86.31,"end":88.63,"sentiment":"neutral","sentiment_score":0.004688482178607956},{"text":"The first few pages is basically just an overview of where your position sits.","start":88.63,"end":92.17,"sentiment":"neutral","sentiment_score":0.015225794498941727}],"sentiment":"neutral","sentiment_score":0.011394044564274902,"channel":0,"num_words":22,"start":86.31,"end":92.17},{"sentences":[{"text":"Mhmm.","start":92.659996,"end":93.159996,"sentiment":"neutral","sentiment_score":0.012963443994522096}],"sentiment":"neutral","sentiment_score":0.012963443994522096,"channel":1,"num_words":1,"start":92.659996,"end":93.159996},{"sentences":[{"text":"But, really, where everything kinda gets juicy is from pay page 16 down.","start":93.03,"end":98.79,"sentiment":"neutral","sentiment_score":0.0029032835020468785},{"text":"It kind of explains that I predict there's gonna be sort of about a 400 CGT element.","start":98.79,"end":105.284996,"sentiment":"neutral","sentiment_score":-0.0025202759048518013},{"text":"So that's just capital gains tax payable for selling down some of the assets because of the growth you've made on on those assets.","start":105.284996,"end":111.384995,"sentiment":"neutral","sentiment_score":-0.01999938463510868}],"sentiment":"neutral","sentiment_score":-0.008983096964786656,"channel":0,"num_words":54,"start":93.03,"end":111.384995},{"sentences":[{"text":"Okay.","start":111.8,"end":112.3,"sentiment":"neutral","sentiment_score":0.00788053311407566}],"sentiment":"neutral","sentiment_score":0.00788053311407566,"channel":1,"num_words":1,"start":111.8,"end":112.3},{"sentences":[{"text":"And that we're just making a little bit of a move, getting rid of some of the more underperforming assets, or getting rid of those ones that are costing a little bit more, and just","start":112.325,"end":122.22,"sentiment":"neutral","sentiment_score":-0.03585157937237195}],"sentiment":"neutral","sentiment_score":-0.03585157937237195,"channel":0,"num_words":35,"start":112.325,"end":122.22},{"sentences":[{"text":"Yep.","start":122.185,"end":122.685,"sentiment":"neutral","sentiment_score":0.0004937959602102637}],"sentiment":"neutral","sentiment_score":0.0004937959602102637,"channel":1,"num_words":1,"start":122.185,"end":122.685},{"sentences":[{"text":"rediversifying out into other holdings.","start":122.22,"end":124.72,"sentiment":"neutral","sentiment_score":-0.030859624780714513},{"text":"So one of the assets I'm getting rid of is a bank hybrid.","start":125.66,"end":129.52,"sentiment":"neutral","sentiment_score":-0.030201600219767828},{"text":"That's because they're being phased out within the next few years.","start":129.795,"end":131.875,"sentiment":"neutral","sentiment_score":-0.0020097091540016913},{"text":"And rather than just allow it to run off organically and you'll be phased into another asset, I'd rather we make the actual decision on where we wanna move now while the performance in that is sitting pretty good","start":131.875,"end":144.70001,"sentiment":"neutral","sentiment_score":0.12375875462133151}],"sentiment":"neutral","sentiment_score":0.06261126033496112,"channel":0,"num_words":68,"start":122.22,"end":144.70001},{"sentences":[{"text":"Yes.","start":145.08,"end":145.40001,"sentiment":"positive","sentiment_score":0.43126997351646423}],"sentiment":"positive","sentiment_score":0.43126997351646423,"channel":1,"num_words":1,"start":145.08,"end":145.40001},{"sentences":[{"text":"rather","start":145.24,"end":145.74,"sentiment":"positive","sentiment_score":0.48006653785705566}],"sentiment":"positive","sentiment_score":0.48006653785705566,"channel":0,"num_words":1,"start":145.24,"end":145.74},{"sentences":[{"text":"Happy with that.","start":145.40001,"end":146.46,"sentiment":"positive","sentiment_score":0.5582362413406372}],"sentiment":"positive","sentiment_score":0.5582362413406372,"channel":1,"num_words":3,"start":145.40001,"end":146.46},{"sentences":[{"text":"than, yeah, than move from there.","start":146.36,"end":148.14,"sentiment":"neutral","sentiment_score":0.12961500013868013},{"text":"I'm","start":148.52,"end":148.84001,"sentiment":"neutral","sentiment_score":0.09466975927352904}],"sentiment":"neutral","sentiment_score":0.12462282287222999,"channel":0,"num_words":7,"start":146.36,"end":148.84001},{"sentences":[{"text":"Yep.","start":148.6,"end":149.055,"sentiment":"neutral","sentiment_score":0.08661925792694092}],"sentiment":"neutral","sentiment_score":0.08661925792694092,"channel":1,"num_words":1,"start":148.6,"end":149.055},{"sentences":[{"text":"removing the little bit of agriculture that you have sitting in there.","start":148.84001,"end":152.14,"sentiment":"neutral","sentiment_score":-0.015036865758399168},{"text":"There","start":152.28,"end":152.52,"sentiment":"neutral","sentiment_score":-0.018802622333168983}],"sentiment":"neutral","sentiment_score":-0.01532653934107377,"channel":0,"num_words":13,"start":148.84001,"end":152.52},{"sentences":[{"text":"Mhmm.","start":152.415,"end":152.915,"sentiment":"neutral","sentiment_score":0.004609490744769573}],"sentiment":"neutral","sentiment_score":0.004609490744769573,"channel":1,"num_words":1,"start":152.415,"end":152.915},{"sentences":[{"text":"are other agricultural assets within the portfolio, but that was a specific agri asset.","start":152.52,"end":158.645,"sentiment":"neutral","sentiment_score":-0.008502116959009851},{"text":"I'm rebalancing the gold a little bit, rebalancing your cybersecurity asset.","start":159.665,"end":164.885,"sentiment":"neutral","sentiment_score":-0.0006199365651065654},{"text":"There's a lot of rebalances happening just sort of reshifting from, you know, where you'd sort of gone a little bit off kilter.","start":165.745,"end":171.685,"sentiment":"neutral","sentiment_score":-0.07644941171874171}],"sentiment":"neutral","sentiment_score":-0.03925386269111186,"channel":0,"num_words":48,"start":152.52,"end":171.685},{"sentences":[{"text":"Yes.","start":172.2,"end":172.7,"sentiment":"neutral","sentiment_score":0.0072175562381744385}],"sentiment":"neutral","sentiment_score":0.0072175562381744385,"channel":1,"num_words":1,"start":172.2,"end":172.7},{"sentences":[{"text":"Getting rid of the Bennelong and the infrastructure 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well.","start":218.235,"end":227.73,"sentiment":"neutral","sentiment_score":0.13996177988833394},{"text":"So cheaper cheaper out outcome in terms of cost basis.","start":228.61,"end":232.39,"sentiment":"neutral","sentiment_score":0.1885697826743126},{"text":"So investment the investment fee is going from about $643 for the asset that you currently hold over to 240.","start":232.76999,"end":240.39,"sentiment":"neutral","sentiment_score":0.20937897749245166},{"text":"So saving us sort of $400 a year in in the investment costs by offloading those more expensive assets, and we're we're improving that that return as well.","start":240.755,"end":251.495,"sentiment":"positive","sentiment_score":0.33508926310709547}],"sentiment":"neutral","sentiment_score":0.18214422511849918,"channel":0,"num_words":102,"start":213.515,"end":251.495},{"sentences":[{"text":"Okay.","start":251.73,"end":252.05,"sentiment":"neutral","sentiment_score":0.06929843872785568},{"text":"Cool.","start":252.05,"end":252.55,"sentiment":"positive","sentiment_score":0.5332944989204407}],"sentiment":"neutral","sentiment_score":0.3012964688241482,"channel":1,"num_words":2,"start":251.73,"end":252.55},{"sentences":[{"text":"So not a major one as we discussed.","start":253.65001,"end":255.91,"sentiment":"neutral","sentiment_score":0.03815237944945693},{"text":"I think in the March, we'll have a little bit more that we can touch on and discuss after things settle for you and you've been able to, I guess, finalize where you're sitting at and figure out the work structure and possibly go to multiple time work and, I guess, depending on how the study goes.","start":256.13,"end":273.79498,"sentiment":"neutral","sentiment_score":0.1932478587616954}],"sentiment":"neutral","sentiment_score":0.17415918438480452,"channel":0,"num_words":65,"start":253.65001,"end":273.79498},{"sentences":[{"text":"Yeah.","start":274.28,"end":274.78,"sentiment":"neutral","sentiment_score":0.22308316826820376},{"text":"Yep.","start":274.84,"end":275.34,"sentiment":"neutral","sentiment_score":0.24352800846099856}],"sentiment":"neutral","sentiment_score":0.23330558836460116,"channel":1,"num_words":2,"start":274.28,"end":275.34},{"sentences":[{"text":"And we can we can touch base in the March and and go from there as to whether there's any other areas that you wanna look at at that point.","start":275.215,"end":281.78,"sentiment":"neutral","sentiment_score":0.24696159462134043},{"text":"But this is a good basis for where we wanna head right now 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okay.","start":661.5,"end":662.06,"sentiment":"neutral","sentiment_score":0.11052101477980614},{"text":"No problems at all.","start":662.06,"end":662.86,"sentiment":"neutral","sentiment_score":0.08202223107218742},{"text":"Well, if I don't","start":662.86,"end":663.5,"sentiment":"neutral","sentiment_score":-0.140017781406641}],"sentiment":"neutral","sentiment_score":0.005472641776908525,"channel":0,"num_words":11,"start":661.26,"end":663.5},{"sentences":[{"text":"Okay.","start":663.35004,"end":663.85004,"sentiment":"neutral","sentiment_score":-0.04267296567559242}],"sentiment":"neutral","sentiment_score":-0.04267296567559242,"channel":1,"num_words":1,"start":663.35004,"end":663.85004},{"sentences":[{"text":"talk to you beforehand, we will talk to you in March next year.","start":663.5,"end":666.715,"sentiment":"neutral","sentiment_score":0.1536472846682255}],"sentiment":"neutral","sentiment_score":0.1536472846682255,"channel":0,"num_words":13,"start":663.5,"end":666.715},{"sentences":[{"text":"Yeah.","start":666.79004,"end":667.19,"sentiment":"positive","sentiment_score":0.5220950245857239},{"text":"Sounds good.","start":667.19,"end":667.75,"sentiment":"positive","sentiment_score":0.7777866721153259},{"text":"Okay.","start":667.75,"end":667.99005,"sentiment":"positive","sentiment_score":0.5702770948410034},{"text":"Thanks, Louisa.","start":667.99005,"end":668.81,"sentiment":"positive","sentiment_score":0.7714562714099884}],"sentiment":"positive","sentiment_score":0.6984763344128927,"channel":1,"num_words":6,"start":666.79004,"end":668.81},{"sentences":[{"text":"And no problem, Kylene.","start":669.175,"end":670.215,"sentiment":"positive","sentiment_score":0.6793200820684433},{"text":"Have a great one.","start":670.215,"end":671.195,"sentiment":"positive","sentiment_score":0.8092236369848251}],"sentiment":"positive","sentiment_score":0.7442718595266342,"channel":0,"num_words":8,"start":669.175,"end":671.195},{"sentences":[{"text":"You too.","start":671.11005,"end":671.59,"sentiment":"positive","sentiment_score":0.5921438932418823},{"text":"Bye.","start":671.59,"end":672.09,"sentiment":"neutral","sentiment_score":0.3222174048423767}],"sentiment":"positive","sentiment_score":0.5021683971087137,"channel":1,"num_words":3,"start":671.11005,"end":672.09},{"sentences":[{"text":"Bye.","start":672.455,"end":672.955,"sentiment":"neutral","sentiment_score":-0.1200518235564232}],"sentiment":"neutral","sentiment_score":-0.1200518235564232,"channel":0,"num_words":1,"start":672.455,"end":672.955}]},"summary":{"result":"success","short":"Representatives from OQ Financial and an insurance company discuss updating insurance changes and retirement of agricultural assets. They also mention a breast reduction procedure and a compassionate release process for a medical claim. The representatives explain the process and provide instructions for submitting the claims. The customer is advised to call the agent if they need further assistance. The process is limited and can only be done during a specific time."},"intents":{"segments":[{"text":"So one of the assets I'm getting rid of is a bank hybrid. That's because they're being phased out within the next few years. And rather than just allow it to run off organically and you'll be phased into another asset, I'd rather we make the actual decision on where we wanna move now while the performance in that is sitting pretty good Yes.","start_word":357,"end_word":420,"intents":[{"intent":"Evaluate asset performance","confidence_score":0.04529033}]},{"text":"I think in the March, we'll have a little bit more that we can touch on and discuss after things settle for you and you've been able to, I guess, finalize where you're sitting at and figure out the work structure and possibly go to multiple time work and, I guess, depending on how the study goes. Yeah.","start_word":711,"end_word":768,"intents":[{"intent":"Finalize work structure","confidence_score":0.3685509}]},{"text":"and get get sort of a more confirmed date come come next year to be able to have a chat. Okay.","start_word":1055,"end_word":1075,"intents":[{"intent":"Plan future conversation","confidence_score":0.00031312648}]},{"text":"Honestly, the claim actually only takes about ten minutes to go through on online, and it's a two week turnaround to be approved. So if you do Wow.","start_word":1602,"end_word":1629,"intents":[{"intent":"Explain claim process","confidence_score":0.006929563}]},{"text":"you need to nominate a bank account. You know, we need we need to make sure that your super Okay. fund will do their side. We can have the money ready to go. Okay.","start_word":1694,"end_word":1727,"intents":[{"intent":"Nominate bank account","confidence_score":0.24350347}]},{"text":"If you do decide to go ahead and don't tell me and then I get notified by the super fund, it could be a hold off on my end if I don't know about it ahead of time, Okay. which look.","start_word":1728,"end_word":1768,"intents":[{"intent":"Clarify notification from super fund","confidence_score":0.000033639437}]},{"text":"So I might just It go and have it a is conversation pretty with my GP. yeah.","start_word":1846,"end_word":1862,"intents":[{"intent":"Requesting a discussion with a gp","confidence_score":0.000009939091}]},{"text":"So, like, major dental surgeries are a really, really common one. Yeah.","start_word":1886,"end_word":1897,"intents":[{"intent":"Discussing common dental surgeries","confidence_score":0.1956041}]},{"text":"I've signed that document as well. Oh, cool.","start_word":1979,"end_word":1986,"intents":[{"intent":"Signing a document","confidence_score":0.060457613}]},{"text":"That's okay. I'll flick an email off to you, and you'll have a email change. So if you do decide to go ahead or you are approved, you can just let me know that way. So that way, I can get the team to make sure everything goes closer on my side. Okay.","start_word":2023,"end_word":2075,"intents":[{"intent":"Discussing a request for a change","confidence_score":0.000010829219}]},{"text":"I'll flick an email off to you, and you'll have a email change. So if you do decide to go ahead or you are approved, you can just let me know that way. So that way, I can get the team to make sure everything goes closer on my side. Okay. Yeah.","start_word":2025,"end_word":2076,"intents":[{"intent":"Confirming receipt of a change","confidence_score":0.000026763562},{"intent":"Providing clarification on the need for the change","confidence_score":5.0190175e-7}]}]},"sentiments":{"segments":[{"text":"Hello. Carlene speaking. Hi, Kylie. Larissa from OQ Financial. How are you going?","start_word":0,"end_word":12,"sentiment":"neutral","sentiment_score":0.11690817773342133},{"text":"Good. Thanks.","start_word":13,"end_word":14,"sentiment":"positive","sentiment_score":0.5034165382385254},{"text":"How are you?","start_word":15,"end_word":17,"sentiment":"neutral","sentiment_score":0.2715498208999634},{"text":"Yeah. Really good. Thanks, Joe. That's good.","start_word":18,"end_word":24,"sentiment":"positive","sentiment_score":0.6077759861946106},{"text":"I was just giving you a call just to touch base after I had after we had our conversation a couple weeks ago, and I've been able to go through and get the recommendations all drawn up for you. Okay. I've sent through the advice document, but did you have a couple of moments to just have a brief chat about it? Yes. Yeah. Cool. Cool. Cool. Alright. Well, before I jump into it, I do need to let you know our calls are recorded. And if I could just get you to confirm security for me, it's just full name, date of birth, and address. Sure. Kylene Randall. 03/06/1984, and I'm at 5 Storksville Terrace in Charley, New South Wales 2620. Amazing. 0. Sorry? No. You're perfect. Awesome. So ultimately speaking, the like, following our discussion, we basically made the decision that we were not gonna go ahead with the insurance changes that we had previously recommended and that we were going to just hold off on that until for sort of another six months and touch base in the March. Yeah. And that what we were going to look at was basically just your superannuation and some of the underlying assets that were held within the within the fund. Mhmm. So what I've done in the document look. The first few pages is basically just an overview of where your position sits. Mhmm. But, really, where everything kinda gets juicy is from pay page 16 down. It kind of explains that I predict there's gonna be sort of about a 400 CGT element. So that's just capital gains tax payable for selling down some of the assets because of the growth you've made on on those assets. Okay. And that we're just making a little bit of a move, getting rid of some of the more underperforming assets, or getting rid of those ones that are costing a little bit more, and just Yep. rediversifying out into other holdings. So one of the assets I'm getting rid of is a bank hybrid. That's because they're being phased out within the next few years. And rather than just allow it to run off organically and you'll be phased into another asset, I'd rather we make the actual decision on where we wanna move now while the performance in that is sitting pretty good Yes.","start_word":25,"end_word":419,"sentiment":"neutral","sentiment_score":0.043071390499797045},{"text":"rather Happy with that.","start_word":420,"end_word":423,"sentiment":"positive","sentiment_score":0.5399723649024963},{"text":"than, yeah, than move from there. I'm Yep. removing the little bit of agriculture that you have sitting in there. There Mhmm. are other agricultural assets within the portfolio, but that was a specific agri asset. I'm rebalancing the gold a little bit, rebalancing your cybersecurity asset. There's a lot of rebalances happening just sort of reshifting from, you know, where you'd sort of gone a little bit off kilter. Yes. Getting rid of the Bennelong and the infrastructure fund Mhmm. completely. The Bennelong Australian Fund, the performance hasn't really been there, and it's a little bit costly, same with the Okay. Performance hasn't been too bad, but, again, the cost is just not really there anymore for how much that asset cost per annum from a underlying asset cost and just rediversifying out into some Europe, Japan, and all all world assets along with basically some Australian assets as well. So you're picking up sort of five new new assets and then rebalancing the rest or or offloading them, really. So it's not Okay. major major changes, but just a bit of a shift throughout some of the assets. And overall, we're gonna historically, we're looking at sort of about a one and a half percent increase over five year rolling averages with the the rebalance as well. So cheaper cheaper out outcome in terms of cost basis. So investment the investment fee is going from about $643 for the asset that you currently hold over to 240.","start_word":424,"end_word":672,"sentiment":"neutral","sentiment_score":0.01746775582432747},{"text":"So saving us sort of $400 a year in in the investment costs by offloading those more expensive assets, and we're we're improving that that return as well.","start_word":673,"end_word":700,"sentiment":"positive","sentiment_score":0.344427227973938},{"text":"Okay.","start_word":701,"end_word":701,"sentiment":"neutral","sentiment_score":0.1049681305885315},{"text":"Cool.","start_word":702,"end_word":702,"sentiment":"positive","sentiment_score":0.5332944989204407},{"text":"So not a major one as we discussed. I think in the March, we'll have a little bit more that we can touch on and discuss after things settle for you and you've been able to, I guess, finalize where you're sitting at and figure out the work structure and possibly go to multiple time work and, I guess, depending on how the study goes. Yeah. Yep. And we can we can touch base in the March and and go from there as to whether there's any other areas that you wanna look at at that point.","start_word":703,"end_word":799,"sentiment":"neutral","sentiment_score":0.202495276927948},{"text":"But this is a good basis for where we wanna head right now just Yeah. to Cool.","start_word":800,"end_word":816,"sentiment":"positive","sentiment_score":0.3396444320678711},{"text":"clean that side up.","start_word":817,"end_word":820,"sentiment":"neutral","sentiment_score":0.33045098185539246},{"text":"Yep. Perfect.","start_word":821,"end_word":822,"sentiment":"positive","sentiment_score":0.465863049030304},{"text":"Well, I I don't I'm not gonna push you to sign. Like, obviously, I want you to take the time to read over the document. Look. It's not a it's not a crazy big document. It's only 27 pages, and the sort of first 10 pages are just an overview of where you currently sit with, I guess, what we discussed, where your assets are sitting, stuff like that. But if you're happy and you're comfortable to go ahead, all you need to do is just sign on the sort of the second to last last page, I think, page 26. Sign there through the the the signing platform. There is a text box that if you want to alter the advice, you can write in and say, you know, I don't wanna go ahead with this or I I'm unhappy with this or I wanna, you know, look at including something else or whatever the case may be. If you're happy to go ahead with everything as I've recommended, just you can put a dot or just write I'm happy K. in there, Okay. and I will implement it on my side so everything will get put in place.","start_word":823,"end_word":1022,"sentiment":"neutral","sentiment_score":0.1007852554321289},{"text":"And the investments will get switched and everything will go kosher.","start_word":1023,"end_word":1033,"sentiment":"positive","sentiment_score":0.4362574517726898},{"text":"I've already got a scheduled booking in for March for us to touch touch base with you beginning of March Okay. and get get sort of a more confirmed date come come next year to be able to have a chat. Okay. No.","start_word":1034,"end_word":1076,"sentiment":"neutral","sentiment_score":0.24122488498687744},{"text":"That sounds really good. I'm just having a look at the document now. I'm really happy with it.","start_word":1077,"end_word":1094,"sentiment":"positive","sentiment_score":0.5298428667916192},{"text":"Hey. I do have one question Absolutely. just around the superannuation stuff, and I'm not sure if you'll be able to advise on it. Yeah. But I was hoping to get, like, a medical procedure done. I Mhmm. wanna I need to get a breast reduction because it keeps giving me, like, back pain. Absolutely. And yeah. So I was going to see if I could use some of my super for that. Yes.","start_word":1095,"end_word":1168,"sentiment":"neutral","sentiment_score":-0.049797870218753815},{"text":"So it is definitely possible.","start_word":1169,"end_word":1173,"sentiment":"positive","sentiment_score":0.3407002389431},{"text":"There's a Okay. couple of steps and stages to go through. So, realistically, what that looks like is that's what's called a compassionate release. So it's governed by the Australian Okay. Taxation Office, ATO. Okay. So what it is is it's actually a really simple process. I have a an email I can send you that kinda does a step by step for you. But what it is is you apply through myGov through the ATO connected side Okay. under a compassionate claim. You would put Okay. in that it's a medical like, a medical medical Yep. claim. Yep. You are required to provide doctor's certification. So you would go and Yeah. see Yeah. a plastic surgeon, I guess, is who you would say for that. You'd see a plastic surgeon, the plastic surgeon would say, yes. It's recommended based on blah blah blah. Yep. You would also need a second doctor. So generally Okay. speaking, you would have a GP that would recommend you to a plastic surgeon because a plastic surgeon is a specialist, Yeah. so you have to be referred there anyway. But while Yep.","start_word":1174,"end_word":1361,"sentiment":"neutral","sentiment_score":0.023211821913719177},{"text":"you're at the GP getting referred, you would get the GP to write up a letter as to why you are going to seek that, that it's causing you back pain, that it's causing you mental anguish, that bras are way too expensive.","start_word":1362,"end_word":1404,"sentiment":"negative","sentiment_score":-0.3438256084918976},{"text":"Whatever your reasoning may be, obviously, Yeah. in that letter. And then your your plastic surgeon would then also write a letter on their behalf. Your plastic surgeon also would give you an invoice as to what the cost is. That Okay. invoice is what you use to be able to for the ATO to assess, and the ATO would then assess and release the invoiced amount. Okay. From that, you do need to be aware that the amount is taxable. So the amount that the ATO approved to be released is what would be the net released amount. The And then gross it's tax tax. is taxed Jeez. within Yeah. the super Right. funds. Yeah. Right. Okay. Alright.","start_word":1405,"end_word":1523,"sentiment":"neutral","sentiment_score":0.03498043802355518},{"text":"No worries. That's really helpful.","start_word":1524,"end_word":1528,"sentiment":"positive","sentiment_score":0.5599825382232666},{"text":"Yeah. But I'll what I'll do is I'll I'll get my team to flick you a quick email or I'll I'll flick you a quick email that just has, like, the little bit more information to kind of explain it so I'm not overloading it with words. And it has the steps on how to actually do it so that we can have a look.","start_word":1529,"end_word":1593,"sentiment":"neutral","sentiment_score":0.17212994396686554},{"text":"It's pretty intuitive system. It's not too difficult. Honestly, the claim actually only takes about ten minutes to go through on online, and it's a two week turnaround to be approved.","start_word":1594,"end_word":1624,"sentiment":"positive","sentiment_score":0.4875479638576507},{"text":"So if you do Wow. go see a Okay. plastic surgeon yeah. So if you go see a plastic surgeon and you do get the the you know, go ahead and you get the invoice and you do put the claim in, please give me a call and let me know because there's a couple of other steps that need to happen on your Superfund side, I e, Okay. you need to nominate a bank account. You know, we need we need to make sure that your super Okay. fund will do their side.","start_word":1625,"end_word":1718,"sentiment":"neutral","sentiment_score":0.09609874337911606},{"text":"We can have the money ready to go.","start_word":1719,"end_word":1726,"sentiment":"positive","sentiment_score":0.357633501291275},{"text":"Okay. If you do decide to go ahead and don't tell me and then I get notified by the super fund, it could be a hold off on my end if I don't know about it ahead of time, Okay. which look. Realistically, if you don't have the surgery date booked, it shouldn't be an issue, but it only becomes an issue when all of a sudden you rang up and go, I'm having surgery tomorrow. I don't have the money, Yeah. Right. Okay. which happens. So, Oh, shit. Okay. yeah, Yeah. happens No worries. all the time. No. That's I always thought it might be, like, a little bit more difficult than that, but that sounds real straightforward. So I might just It go and have it a is conversation pretty with my GP. yeah. It is pretty straightforward for when it's, like, a surgery or a medical thing that that can't be done through the public system. So, like, major dental surgeries are a really, really common one. Yeah. Cosmetic surgery, so that's what you're looking for is another common one. IVS, really common as well. It's just, you know, for other things, like, I lost my job and, you know, Centrelink's not covering it for income. Can I pull money from my my super? No. Generally Yeah. Right. not. So it's, Okay. you know yes. It can be useful, but it's it's very, very limited in how it can be used. Yeah. Right. Okay.","start_word":1727,"end_word":1973,"sentiment":"neutral","sentiment_score":-0.03847008193220928},{"text":"That's great. Thanks so much.","start_word":1974,"end_word":1978,"sentiment":"positive","sentiment_score":0.5708439350128174},{"text":"I've signed that document as well. Oh, cool. So it's I all will done. it will come through on my side. I'll oh, yep. It's there. I will get it all implemented on my side then. Alright. No worries.","start_word":1979,"end_word":2017,"sentiment":"neutral","sentiment_score":0.25740474462509155},{"text":"Thank you so much.","start_word":2018,"end_word":2021,"sentiment":"positive","sentiment_score":0.4538865983486175},{"text":"No. That's okay. I'll flick an email off to you, and you'll have a email change. So if you do decide to go ahead or you are approved, you can just let me know that way. So that way, I can get the team to make sure everything goes closer on my side. Okay. Yeah. No worries. Thank you. No. That's okay. No problems at all. Well, if I don't Okay. talk to you beforehand, we will talk to you in March next year.","start_word":2022,"end_word":2105,"sentiment":"neutral","sentiment_score":0.16385645188745998},{"text":"Yeah. Sounds good. Okay. Thanks, Louisa. And no problem, Kylene. Have a great one. You too.","start_word":2106,"end_word":2121,"sentiment":"positive","sentiment_score":0.6997719407081604},{"text":"Bye. Bye.","start_word":2122,"end_word":2123,"sentiment":"neutral","sentiment_score":0.2622637450695038}],"average":{"sentiment":"neutral","sentiment_score":0.08445812333450627}}}}