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How are you doing? I'm living the dream. It's a beautiful day on the Gold Coast. What about your end? It is, isn't it? It seems to be chopping and changing a lot lately, hasn't it? Fair enough. And thank you so much for calling back in so quickly. I do appreciate that. That's no at all. So what I've got for you here today is I've got an email to send to your BigPond with the updated advice strategies that we were talking about. Will you to look onto it with me today, or should I just walk you through it? Cool. Awesome. I'll pop that through now. Now please bear in mind, there is about nine documents here, so it may take a few seconds. It should go pretty quickly to your main inbox. And just to kinda let you know as well what's there as well, I'm gonna be going through the statement of advice with you today and the supplementary documents, but there's a lot of, like, product documents for all the providers. Some total of, like, 1,400 pages that we don't need, but it is there for you to keep on file. Bit of compliance is going to crazy levels these days. Cool. Cool. I have attached also some quotes as well and some additional research that we conducted. Now when you do get that email, it'll be under a statement of advice from Oakview Financial. And with that new Odoo system, there's, like, a sign that opens the documents up for us to go through together. And just let me know when you can see the Beachfront City logo on the first one. No worries at all. And definitely don't sign anything yet. I just wanna kind of go through it with you. On that first one, if you can see that beachfront city, I just need you to scroll down to pages three and four for me. You should see a scope of heading. And on the three pages, you'll see a scope of advice not considered as well. So as a quick recap, we're dealing with the superannuation at the moment reviewing the investments inside there. Just removing some underperforming investments, and we were looking to move you up into more of a high growth approach for a little while. Insurance wise, we did do a review of your insurances. Main thing here was that you were a little bit underinsured for the income protection, and we have found some really interesting information I wanted to show you as well. Past that point, we have factored in $50 a week of salary sacrifice, if you're still comfortable with that, just to see what impact that would have on this as well. A few reminders for estate planning in terms of wills and powers of attorney and whatnot, and what we're not giving advice on is cash flow and debt management. So in terms of your savings, mortgage, and so on, you've got a pretty good handle on it yourself. Beautiful. So if you scroll past there, you'll see a limited advice warning saying exactly that. We're not advising on everything. There's an about you section on pages seven and eight. Can you just let me know if that still sounds pretty accurate in terms of the income, teacher for the correctional center, permanent part time. Yep. Perfect. Permanent full time. Perfect. On the next page, assets and liabilities, we've got the mortgage, vehicle, the investment unit, and the offset account. Any major is there? Does that look alright? Perfect. Perfect. I know the property market's a bit up and down at the moment. Swing past there, you'll see your Encompass insurances on the next page, super. Risk profile on page 10, which is the difference between a growth and a high growth. Yep. Now the main info pages I wanted to run by you is page 12. After this one, there's a lot of text on this one. But after this, there's a few tables that I wanted to point out to you, and that'll kind of explain things a bit better. Main thing that we're doing is not only we're gonna bump your growth assets up from around about 80% of your super to 90% for the time being, we're also switching a few investments around. Again, just to try and keep that active style to outperform the market, but replace the sort of bad apples with some good red apples. If you go down past there, you'll see a giant table of advantages and disadvantages. Yeah. Got a bit of a side by side. In terms of the fee comparison table on 15, can you see that sort of blue table with the current recommended? So $328 is all that it would cost for capital gains tax inside the super to update the investment. So it was very minimal. No concerns there. We are still going to lower the fees as well of the investments and also improve the performance, another sort of a little bit over 2% per annum for five years. That'll compound quite nicely, get you back into double digits. Another thing too, can you see in the very middle row under insurance premiums? I've I've found a policy that will give you more insurance than what you've currently got for less price overall. So it will take the old application. I do apologize, but I think this is a bit of a winner. So I'll take you through that in a second. What you saw just before on the next page, projections, performance returns, all that kind of thing. Any questions so far? Cool. This one does seem look. There's a lot of figures on page 17 for the investments table. Main thing to point out is that second last column that says target weight percentage, you'll see a bunch of zeros and a bunch of, like, round 7%, 6%. Can you make those out? Perfect. So anything that's zero, that's what we're getting rid of. Anything that's got an amount, that's what we're either keeping or adding into the portfolio. You see what all your golds and and some really good info sorry, European shares and things like that being mixed in. At the very bottom of the table, that's your new option to replace the underperforming one. Austenity Australian shares is the one that we found for you. 10% less fees and has outperformed the Australian market over one three five in ten years. So as opposed to what was replacing it, it's knocked it out of the park completely. If you go past there, the last thing for the super is on page 19. There's a pie chart for your asset allocation. Perfect. Only thing I'll say here is that you need between 90 to a 100% growth assets. You're sitting at 86. We're gonna bump you up to about 94. Salary sacrifices on the next page, that just shows you the tax differences for your take home pay. For every $100, it'll probably cost you about 68 in the take home pay. Amazing. Now the big one here, page twenty three and twenty four is the insurances. So what I need to just quickly run by you, can you see the Zurich table? Alright. So Zurich is who we're recommending that gave you the best outcome. They've got the same feature score. So the the writing under the hood is just as good, but there's lower preference. So it's a million dollars worth of life insurance, $9.38 worth of total disability. The reason why that's on a million is because you do have that small amount of trauma cover that you're paying out of pocket for heart attack, stroke, and cancer. That'll go down from 42 to 36 a month for the out of port costs, like for like. The income protection, you just told me that you're up to was it a 118,000? Perfect. So just for disclosure purposes, let me work that back. Done. Okay. So you're insured for 4,453 a month. We've recommended 6,300, and your maximum now is 6,800 with your new income. So just checking that 6,300 would still be enough to cover expenses and everything. You didn't wanna increase it again or just go from the 4.5 to Cool. It's a a solid 1,500 a week after tax in the hand, so, hopefully, that that covers things. Cool. And we're not changing waiting period or benefit period, so it's still two years. You still gotta wait ninety days. So just please bear in mind sick leave, savings, and everything. Beautiful. Everything else after that is basically how we arrived at those figures. Life and TV were fine, some insurance impact. I'm skipping quite far down now to page 32, but if we replace your Encompass with Zurich, you need to put in place a beneficiary nomination for the new life insurance policy. Cool. And I'm assuming you still want your partner listed as the beneficiary? Easy done. And a couple of minors on wills, powers of attorney, and we've reiterated fees and commissions at the bottom. Anytime we put in place a policy with any provider, they do pay us 66 percent of the first year's premiums and 22% ongoing to manage it with you, give you further advice, and help you with claims. If anything ever does happen to you, go off of it, we're probably not the first people to call, but we'd hope to be the second because we can launch claims packs. We can help you through the process, Just make it a bit smoother because you know what insurance companies could be like. And that's pretty much it. Any questions at this point? Cool. So for this one, the only document to sign through, at the bottom, there's an authority to proceed or there's little button saying begin or start, whatever it is. There's a signature box and a date box that'll stamp in there for you, but there's also a a text box just above it. And if you could just type into that n slash a, like, not applicable, if you are happy with all the recommendations. Cool. Now it should allow you to basically just keep clicking the button to skip through the documents and go to the next ones. I've only added a signature for the quote. Yeah. Please. Perfect. From here, for the new policy, we won't cancel the existing one until the new one's in place just in case if anything pops up health wise, that may cause a concern. From here, I need to get you in for the personal statement to actually go through the questions, health questions, occupation for the insurer. Is there a day and time that you would have about twenty minutes available for that? Perfect. So while I'm just grabbing up the appointment calendar, I'm just gonna quickly check your ID as well because I have to certify it for any applications. I believe it's in date. I'll just double check. Please bear with me for one moment. Yeah. That little circle. Because there's so many documents, sometimes it takes two minutes. K. Certified ID on file. Alright. So we have your expiry as actually, the last one that we've got expired in 2024. So if it's okay with you, what we normally do is just send, like, a text message. And if you can reply with usual sort of clear photo, front and back of the license, it'll have some instructions in the message, but we need to sort it by that one. And then for the application, let's have a quick look. Would you prefer morning or afternoon, Sue? Afternoon a bit better? Let's go for Tuesday afternoon. That would probably be the most availability. Now I'm just very conscious of the old daylight. That's not kicking in for a couple of weeks, is it? That's right. First Sunday of October. I didn't wanna mess that one up. So on September 15, we can pretty much do one, two, or 3PM. Would you prefer three third? Beautiful. Alrighty. So what I'll do is I'll book in for the personal statement, 03:30PM. Booking. We'll just make sure that we get the ID before that so we can send it all together. Usually, it does only take about twenty minutes. Please bear in mind, it will be health questions and things like that. We will try and grab all the information that we did previously for the last application and use that as a starting point. From that point, if anything comes back from the insurers, they'll let you know straight away, and you might get booked in for a bit of a follow-up just to go options with you. And that'll be 03:30PM. Personal statement is done. And we'll send you a reminder text a couple of hours beforehand. Amazing. Any questions for me, sir? Awesome. You are amazing. Thank you so much for your time. Look. I love what I do, but look. Honestly, it's a strange personal interest of just look. Insurance isn't my favorite. But investing and improving people's positions is I've been doing it for twelve years now, so still enjoy it. Yeah. You know, the weird thing, though, is if I just keep people from panicking, we can tend to very easily average things out over a long period of time and get some really good outcomes. And if people just don't panic and and run around screaming in the streets, they tend to benefit very, very well. So it's a bit more of a psychological patience thing more than just the technical side. Yeah. Well, thank you. And you're right. It's more intense. There's a lot more moving we've got to do, but some of the most relaxed people I've seen are just oblivious to the world. They never go online. They never see the news. They never panic. They don't know, and then everything works out alright. Oh, exactly right. So it has been an absolute pleasure as always. If you need anything at all, please let us know. Jack will be there for you on Tuesday afternoon. And if anything pops up, just give us a bell. No worries. Have a fantastic day. 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after this one. Hello, Samantha? Have you got Sue for me? Yes. Absolutely.\n\nOkay. Love that. Thank you so much. Good afternoon, Sue. You've reached Tommy, senior adviser.\n\nHow are you doing? I'm living the dream. It's a beautiful day on the Gold Coast. What about your end? It is, isn't it?\n\nIt seems to be chopping and changing a lot lately, hasn't it? Fair enough. And thank you so much for calling back in so quickly. I do appreciate that. That's no at all.\n\nSo what I've got for you here today is I've got an email to send to your BigPond with the updated advice strategies that we were talking about. Will you to look onto it with me today, or should I just walk you through it? Cool. Awesome. I'll pop that through now.\n\nNow please bear in mind, there is about nine documents here, so it may take a few seconds. It should go pretty quickly to your main inbox. And just to kinda let you know as well what's there as well, I'm gonna be going through the statement of advice with you today and the supplementary documents, but there's a lot of, like, product documents for all the providers. Some total of, like, 1,400 pages that we don't need, but it is there for you to keep on file. Bit of compliance is going to crazy levels these days.\n\nCool. Cool. I have attached also some quotes as well and some additional research that we conducted. Now when you do get that email, it'll be under a statement of advice from Oakview Financial. And with that new Odoo system, there's, like, a sign that opens the documents up for us to go through together.\n\nAnd just let me know when you can see the Beachfront City logo on the first one. No worries at all. And definitely don't sign anything yet. I just wanna kind of go through it with you. On that first one, if you can see that beachfront city, I just need you to scroll down to pages three and four for me.\n\nYou should see a scope of heading. And on the three pages, you'll see a scope of advice not considered as well. So as a quick recap, we're dealing with the superannuation at the moment reviewing the investments inside there. Just removing some underperforming investments, and we were looking to move you up into more of a high growth approach for a little while. Insurance wise, we did do a review of your insurances.\n\nMain thing here was that you were a little bit underinsured for the income protection, and we have found some really interesting information I wanted to show you as well. Past that point, we have factored in $50 a week of salary sacrifice, if you're still comfortable with that, just to see what impact that would have on this as well. A few reminders for estate planning in terms of wills and powers of attorney and whatnot, and what we're not giving advice on is cash flow and debt management. So in terms of your savings, mortgage, and so on, you've got a pretty good handle on it yourself. Beautiful.\n\nSo if you scroll past there, you'll see a limited advice warning saying exactly that. We're not advising on everything. There's an about you section on pages seven and eight. Can you just let me know if that still sounds pretty accurate in terms of the income, teacher for the correctional center, permanent part time. Yep.\n\nPerfect. Permanent full time. Perfect. On the next page, assets and liabilities, we've got the mortgage, vehicle, the investment unit, and the offset account. Any major is there?\n\nDoes that look alright? Perfect. Perfect. I know the property market's a bit up and down at the moment. Swing past there, you'll see your Encompass insurances on the next page, super.\n\nRisk profile on page 10, which is the difference between a growth and a high growth. Yep. Now the main info pages I wanted to run by you is page 12. After this one, there's a lot of text on this one. But after this, there's a few tables that I wanted to point out to you, and that'll kind of explain things a bit better.\n\nMain thing that we're doing is not only we're gonna bump your growth assets up from around about 80% of your super to 90% for the time being, we're also switching a few investments around. Again, just to try and keep that active style to outperform the market, but replace the sort of bad apples with some good red apples. If you go down past there, you'll see a giant table of advantages and disadvantages. Yeah. Got a bit of a side by side.\n\nIn terms of the fee comparison table on 15, can you see that sort of blue table with the current recommended? So $328 is all that it would cost for capital gains tax inside the super to update the investment. So it was very minimal. No concerns there. We are still going to lower the fees as well of the investments and also improve the performance, another sort of a little bit over 2% per annum for five years.\n\nThat'll compound quite nicely, get you back into double digits. Another thing too, can you see in the very middle row under insurance premiums? I've I've found a policy that will give you more insurance than what you've currently got for less price overall. So it will take the old application. I do apologize, but I think this is a bit of a winner.\n\nSo I'll take you through that in a second. What you saw just before on the next page, projections, performance returns, all that kind of thing. Any questions so far? Cool. This one does seem look.\n\nThere's a lot of figures on page 17 for the investments table. Main thing to point out is that second last column that says target weight percentage, you'll see a bunch of zeros and a bunch of, like, round 7%, 6%. Can you make those out? Perfect. So anything that's zero, that's what we're getting rid of.\n\nAnything that's got an amount, that's what we're either keeping or adding into the portfolio. You see what all your golds and and some really good info sorry, European shares and things like that being mixed in. At the very bottom of the table, that's your new option to replace the underperforming one. Austenity Australian shares is the one that we found for you. 10% less fees and has outperformed the Australian market over one three five in ten years.\n\nSo as opposed to what was replacing it, it's knocked it out of the park completely. If you go past there, the last thing for the super is on page 19. There's a pie chart for your asset allocation. Perfect. Only thing I'll say here is that you need between 90 to a 100% growth assets.\n\nYou're sitting at 86. We're gonna bump you up to about 94. Salary sacrifices on the next page, that just shows you the tax differences for your take home pay. For every $100, it'll probably cost you about 68 in the take home pay. Amazing.\n\nNow the big one here, page twenty three and twenty four is the insurances. So what I need to just quickly run by you, can you see the Zurich table? Alright. So Zurich is who we're recommending that gave you the best outcome. They've got the same feature score.\n\nSo the the writing under the hood is just as good, but there's lower preference. So it's a million dollars worth of life insurance, $9.38 worth of total disability. The reason why that's on a million is because you do have that small amount of trauma cover that you're paying out of pocket for heart attack, stroke, and cancer. That'll go down from 42 to 36 a month for the out of port costs, like for like. The income protection, you just told me that you're up to was it a 118,000?\n\nPerfect. So just for disclosure purposes, let me work that back. Done. Okay. So you're insured for 4,453 a month.\n\nWe've recommended 6,300, and your maximum now is 6,800 with your new income. So just checking that 6,300 would still be enough to cover expenses and everything. You didn't wanna increase it again or just go from the 4.5 to Cool. It's a a solid 1,500 a week after tax in the hand, so, hopefully, that that covers things. Cool.\n\nAnd we're not changing waiting period or benefit period, so it's still two years. You still gotta wait ninety days. So just please bear in mind sick leave, savings, and everything. Beautiful. Everything else after that is basically how we arrived at those figures.\n\nLife and TV were fine, some insurance impact. I'm skipping quite far down now to page 32, but if we replace your Encompass with Zurich, you need to put in place a beneficiary nomination for the new life insurance policy. Cool. And I'm assuming you still want your partner listed as the beneficiary? Easy done.\n\nAnd a couple of minors on wills, powers of attorney, and we've reiterated fees and commissions at the bottom. Anytime we put in place a policy with any provider, they do pay us 66 percent of the first year's premiums and 22% ongoing to manage it with you, give you further advice, and help you with claims. If anything ever does happen to you, go off of it, we're probably not the first people to call, but we'd hope to be the second because we can launch claims packs. We can help you through the process, Just make it a bit smoother because you know what insurance companies could be like. And that's pretty much it.\n\nAny questions at this point? Cool. So for this one, the only document to sign through, at the bottom, there's an authority to proceed or there's little button saying begin or start, whatever it is. There's a signature box and a date box that'll stamp in there for you, but there's also a a text box just above it. And if you could just type into that n slash a, like, not applicable, if you are happy with all the recommendations.\n\nCool. Now it should allow you to basically just keep clicking the button to skip through the documents and go to the next ones. I've only added a signature for the quote. Yeah. Please.\n\nPerfect. From here, for the new policy, we won't cancel the existing one until the new one's in place just in case if anything pops up health wise, that may cause a concern. From here, I need to get you in for the personal statement to actually go through the questions, health questions, occupation for the insurer. Is there a day and time that you would have about twenty minutes available for that? Perfect.\n\nSo while I'm just grabbing up the appointment calendar, I'm just gonna quickly check your ID as well because I have to certify it for any applications. I believe it's in date. I'll just double check. Please bear with me for one moment. Yeah.\n\nThat little circle. Because there's so many documents, sometimes it takes two minutes. K. Certified ID on file. Alright.\n\nSo we have your expiry as actually, the last one that we've got expired in 2024. So if it's okay with you, what we normally do is just send, like, a text message. And if you can reply with usual sort of clear photo, front and back of the license, it'll have some instructions in the message, but we need to sort it by that one. And then for the application, let's have a quick look. Would you prefer morning or afternoon, Sue?\n\nAfternoon a bit better? Let's go for Tuesday afternoon. That would probably be the most availability. Now I'm just very conscious of the old daylight. That's not kicking in for a couple of weeks, is it?\n\nThat's right. First Sunday of October. I didn't wanna mess that one up. So on September 15, we can pretty much do one, two, or 3PM. Would you prefer three third?\n\nBeautiful. Alrighty. So what I'll do is I'll book in for the personal statement, 03:30PM. Booking. We'll just make sure that we get the ID before that so we can send it all together.\n\nUsually, it does only take about twenty minutes. Please bear in mind, it will be health questions and things like that. We will try and grab all the information that we did previously for the last application and use that as a starting point. From that point, if anything comes back from the insurers, they'll let you know straight away, and you might get booked in for a bit of a follow-up just to go options with you. And that'll be 03:30PM.\n\nPersonal statement is done. And we'll send you a reminder text a couple of hours beforehand. Amazing. Any questions for me, sir? Awesome.\n\nYou are amazing. Thank you so much for your time. Look. I love what I do, but look. Honestly, it's a strange personal interest of just look.\n\nInsurance isn't my favorite. But investing and improving people's positions is I've been doing it for twelve years now, so still enjoy it. Yeah. You know, the weird thing, though, is if I just keep people from panicking, we can tend to very easily average things out over a long period of time and get some really good outcomes. And if people just don't panic and and run around screaming in the streets, they tend to benefit very, very well.\n\nSo it's a bit more of a psychological patience thing more than just the technical side. Yeah. Well, thank you. And you're right. It's more intense.\n\nThere's a lot more moving we've got to do, but some of the most relaxed people I've seen are just oblivious to the world. They never go online. They never see the news. They never panic. They don't know, and then everything works out alright.\n\nOh, exactly right. So it has been an absolute pleasure as always. If you need anything at all, please let us know. Jack will be there for you on Tuesday afternoon. And if anything pops up, just give us a bell.\n\nNo worries. Have a fantastic day. Bye.","paragraphs":[{"sentences":[{"text":"Straight after this one.","start":1.28,"end":2.5,"sentiment":"neutral","sentiment_score":0.024331070482730865},{"text":"Hello, Samantha?","start":5.12,"end":6.16,"sentiment":"neutral","sentiment_score":0.024223743937909603},{"text":"Have you got Sue for me?","start":6.16,"end":7.62,"sentiment":"neutral","sentiment_score":0.017358485764513414},{"text":"Yes.","start":12.24,"end":12.559999,"sentiment":"neutral","sentiment_score":0.18706035614013672},{"text":"Absolutely.","start":12.559999,"end":13.059999,"sentiment":"positive","sentiment_score":0.5851852297782898}],"sentiment":"neutral","sentiment_score":0.07301201930801783,"num_words":14,"start":1.28,"end":13.059999},{"sentences":[{"text":"Okay.","start":16.975,"end":17.455,"sentiment":"positive","sentiment_score":0.5072870850563049},{"text":"Love that.","start":17.455,"end":18.015,"sentiment":"positive","sentiment_score":0.6777633726596832},{"text":"Thank you so much.","start":18.015,"end":19.075,"sentiment":"positive","sentiment_score":0.7095479965209961},{"text":"Good afternoon, Sue.","start":23.455,"end":24.654999,"sentiment":"neutral","sentiment_score":0.25598711768786114},{"text":"You've reached Tommy, senior adviser.","start":24.654999,"end":26.255001,"sentiment":"neutral","sentiment_score":0.1911713182926178}],"sentiment":"positive","sentiment_score":0.4283215840657552,"num_words":15,"start":16.975,"end":26.255001},{"sentences":[{"text":"How are you doing?","start":26.255001,"end":26.97,"sentiment":"neutral","sentiment_score":0.16974135860800743},{"text":"I'm living the dream.","start":28.97,"end":29.93,"sentiment":"positive","sentiment_score":0.5995035171508789},{"text":"It's a beautiful day on the Gold Coast.","start":29.93,"end":31.449999,"sentiment":"positive","sentiment_score":0.6081744506955147},{"text":"What about your end?","start":31.449999,"end":32.59,"sentiment":"neutral","sentiment_score":0.10488012060523033},{"text":"It is, isn't it?","start":36.329998,"end":37.29,"sentiment":"neutral","sentiment_score":-0.055979253724217415}],"sentiment":"positive","sentiment_score":0.3390824406718214,"num_words":24,"start":26.255001,"end":37.29},{"sentences":[{"text":"It seems to be chopping and changing a lot lately, hasn't it?","start":37.29,"end":46.035,"sentiment":"neutral","sentiment_score":-0.08347320944691698},{"text":"Fair enough.","start":46.035,"end":46.755,"sentiment":"neutral","sentiment_score":0.10131319612264633},{"text":"And thank you so much for calling back in so quickly.","start":46.755,"end":48.915,"sentiment":"positive","sentiment_score":0.3772501362995668},{"text":"I do appreciate that.","start":48.915,"end":50.215,"sentiment":"neutral","sentiment_score":-0.07445380371063948},{"text":"That's no at all.","start":54.434998,"end":55.74,"sentiment":"neutral","sentiment_score":-0.0905211791396141}],"sentiment":"neutral","sentiment_score":0.08153937717504574,"num_words":33,"start":37.29,"end":55.74},{"sentences":[{"text":"So what I've got for you here today is I've got an email to send to your BigPond with the updated advice strategies that we were talking about.","start":56.22,"end":64.0,"sentiment":"neutral","sentiment_score":0.048510655627718995},{"text":"Will you to look onto it with me today, or should I just walk you through it?","start":64.22,"end":68.265,"sentiment":"neutral","sentiment_score":0.03623585764537839},{"text":"Cool.","start":73.945,"end":74.265,"sentiment":"neutral","sentiment_score":0.28909021615982056},{"text":"Awesome.","start":74.265,"end":74.505,"sentiment":"positive","sentiment_score":0.35341113805770874},{"text":"I'll pop that through now.","start":74.505,"end":75.965,"sentiment":"neutral","sentiment_score":0.23563889265060425}],"sentiment":"neutral","sentiment_score":0.07298084144265606,"num_words":52,"start":56.22,"end":75.965},{"sentences":[{"text":"Now please bear in mind, there is about nine documents here, so it may take a few seconds.","start":76.265,"end":80.604996,"sentiment":"neutral","sentiment_score":0.030627365224063396},{"text":"It should go pretty quickly to your main inbox.","start":81.47,"end":83.729996,"sentiment":"neutral","sentiment_score":0.1298249281115002},{"text":"And just to kinda let you know as well what's there as well, I'm gonna be going through the statement of advice with you today and the supplementary documents, but there's a lot of, like, product documents for all the providers.","start":102.045,"end":115.240005,"sentiment":"neutral","sentiment_score":0.08086579002258254},{"text":"Some total of, like, 1,400 pages that we don't need, but it is there for you to keep on file.","start":116.66,"end":122.94501,"sentiment":"neutral","sentiment_score":0.05543177081272006},{"text":"Bit of compliance is going to crazy levels these days.","start":125.805,"end":129.185,"sentiment":"neutral","sentiment_score":-0.2931597113609314}],"sentiment":"neutral","sentiment_score":0.03277808796538382,"num_words":98,"start":76.265,"end":129.185},{"sentences":[{"text":"Cool.","start":137.11,"end":137.43001,"sentiment":"positive","sentiment_score":0.7230269908905029},{"text":"Cool.","start":137.43001,"end":137.93001,"sentiment":"positive","sentiment_score":0.6929367780685425},{"text":"I have attached also some quotes as well and some additional research that we conducted.","start":138.55,"end":144.41,"sentiment":"positive","sentiment_score":0.36556520462036135},{"text":"Now when you do get that email, it'll be under a statement of advice from Oakview Financial.","start":146.63,"end":151.72499,"sentiment":"neutral","sentiment_score":0.18814800767337575},{"text":"And with that new Odoo system, there's, like, a sign that opens the documents up for us to go through together.","start":152.105,"end":159.86499,"sentiment":"neutral","sentiment_score":0.2378373947881517}],"sentiment":"neutral","sentiment_score":0.27440987744114614,"num_words":55,"start":137.11,"end":159.86499},{"sentences":[{"text":"And just let me know when you can see the Beachfront City logo on the first one.","start":159.86499,"end":169.91,"sentiment":"neutral","sentiment_score":0.08312922518919497},{"text":"No worries at all.","start":169.91,"end":171.13,"sentiment":"neutral","sentiment_score":0.02755921334028244},{"text":"And definitely don't sign anything yet.","start":189.34999,"end":191.11,"sentiment":"neutral","sentiment_score":-0.11468720311919849},{"text":"I just wanna kind of go through it with you.","start":191.11,"end":193.29,"sentiment":"neutral","sentiment_score":-0.011771352216601371},{"text":"On that first one, if you can see that beachfront city, I just need you to scroll down to pages three and four for me.","start":197.75,"end":204.575,"sentiment":"neutral","sentiment_score":0.0231860064715147}],"sentiment":"neutral","sentiment_score":0.020923340362646887,"num_words":62,"start":159.86499,"end":204.575},{"sentences":[{"text":"You should see a scope of heading.","start":207.915,"end":210.25499,"sentiment":"neutral","sentiment_score":0.03471506094293935},{"text":"And on the three pages, you'll see a scope of advice not considered as well.","start":210.555,"end":216.75,"sentiment":"neutral","sentiment_score":-0.06487271934747696},{"text":"So as a quick recap, we're dealing with the superannuation at the moment reviewing the investments inside there.","start":219.15,"end":225.89,"sentiment":"neutral","sentiment_score":-0.009938899259496894},{"text":"Just removing some underperforming investments, and we were looking to move you up into more of a high growth approach for a little while.","start":227.15,"end":234.425,"sentiment":"neutral","sentiment_score":-0.09088123419011633},{"text":"Insurance wise, we did do a review of your insurances.","start":236.725,"end":240.985,"sentiment":"neutral","sentiment_score":-0.022238343954086304}],"sentiment":"neutral","sentiment_score":-0.04476376500521862,"num_words":74,"start":207.915,"end":240.985},{"sentences":[{"text":"Main thing here was that you were a little bit underinsured for the income protection, and we have found some really interesting information I wanted to show you as well.","start":242.085,"end":252.94,"sentiment":"neutral","sentiment_score":-0.01719258688390255},{"text":"Past that point, we have factored in $50 a week of salary sacrifice, if you're still comfortable with that, just to see what impact that would have on this as well.","start":254.46,"end":264.715,"sentiment":"neutral","sentiment_score":-0.07693490662401722},{"text":"A few reminders for estate planning in terms of wills and powers of attorney and whatnot, and what we're not giving advice on is cash flow and debt management.","start":267.655,"end":276.81,"sentiment":"neutral","sentiment_score":-0.06375540606677532},{"text":"So in terms of your savings, mortgage, and so on, you've got a pretty good handle on it yourself.","start":276.94998,"end":283.69,"sentiment":"neutral","sentiment_score":0.09952859149167412},{"text":"Beautiful.","start":285.83,"end":286.31,"sentiment":"positive","sentiment_score":0.5499264001846313}],"sentiment":"neutral","sentiment_score":-0.020988153175196863,"num_words":110,"start":242.085,"end":286.31},{"sentences":[{"text":"So if you scroll past there, you'll see a limited advice warning saying exactly that.","start":286.31,"end":290.615,"sentiment":"neutral","sentiment_score":-0.0014518464605013529},{"text":"We're not advising on everything.","start":290.615,"end":292.315,"sentiment":"neutral","sentiment_score":-0.18192081153392792},{"text":"There's an about you section on pages seven and eight.","start":292.775,"end":296.155,"sentiment":"neutral","sentiment_score":-0.029672401770949364},{"text":"Can you just let me know if that still sounds pretty accurate in terms of the income, teacher for the correctional center, permanent part time.","start":296.375,"end":310.49,"sentiment":"neutral","sentiment_score":-0.004476295672357082},{"text":"Yep.","start":310.49,"end":310.99,"sentiment":"neutral","sentiment_score":0.110709086060524}],"sentiment":"neutral","sentiment_score":-0.021951858536340296,"num_words":56,"start":286.31,"end":310.99},{"sentences":[{"text":"Perfect.","start":311.21,"end":311.71,"sentiment":"neutral","sentiment_score":0.32382720708847046},{"text":"Permanent full time.","start":315.29,"end":316.91,"sentiment":"neutral","sentiment_score":0.20305418968200684},{"text":"Perfect.","start":317.53,"end":318.03,"sentiment":"positive","sentiment_score":0.38883155584335327},{"text":"On the next page, assets and liabilities, we've got the mortgage, vehicle, the 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super.","start":346.08,"end":351.755,"sentiment":"neutral","sentiment_score":0.05908054844118082}],"sentiment":"neutral","sentiment_score":0.005530598049517721,"num_words":32,"start":329.30502,"end":351.755},{"sentences":[{"text":"Risk profile on page 10, which is the difference between a growth and a high growth.","start":352.695,"end":357.435,"sentiment":"neutral","sentiment_score":0.0030290500726550817},{"text":"Yep.","start":360.05502,"end":360.535,"sentiment":"neutral","sentiment_score":0.05338839814066887},{"text":"Now the main info pages I wanted to run by you is page 12.","start":360.535,"end":364.39502,"sentiment":"neutral","sentiment_score":0.05673030763864517},{"text":"After this one, there's a lot of text on this one.","start":364.68,"end":366.76,"sentiment":"neutral","sentiment_score":0.03927835077047348},{"text":"But after this, there's a few tables that I wanted to point out to you, and that'll kind of explain things a bit better.","start":366.76,"end":372.3,"sentiment":"neutral","sentiment_score":0.1943365770081679}],"sentiment":"neutral","sentiment_score":0.09079116989265788,"num_words":66,"start":352.695,"end":372.3},{"sentences":[{"text":"Main thing that we're doing is not only we're gonna bump your growth assets up from around about 80% of your super to 90% for the time being, we're also switching a few investments around.","start":373.96,"end":385.015,"sentiment":"neutral","sentiment_score":0.19822751602956226},{"text":"Again, just to try and keep that active style to outperform the market, but replace the sort of bad apples with some good red apples.","start":385.55502,"end":392.76,"sentiment":"neutral","sentiment_score":0.00008681781589984894},{"text":"If you go down past there, you'll see a giant table of advantages and disadvantages.","start":395.56,"end":399.66,"sentiment":"neutral","sentiment_score":-0.041035183767477675},{"text":"Yeah.","start":404.52002,"end":405.02002,"sentiment":"neutral","sentiment_score":0.06153762340545654},{"text":"Got a bit of a side by side.","start":405.185,"end":407.92502,"sentiment":"neutral","sentiment_score":0.03522264608182013}],"sentiment":"neutral","sentiment_score":0.07938005407119081,"num_words":84,"start":373.96,"end":407.92502},{"sentences":[{"text":"In terms of the fee comparison table on 15, can you see that sort of blue table with the current recommended?","start":409.265,"end":415.20502,"sentiment":"neutral","sentiment_score":0.028050301064338003},{"text":"So $328 is all that it would cost for capital gains tax inside the super to update the investment.","start":421.41998,"end":430.53998,"sentiment":"neutral","sentiment_score":0.05320103397887004},{"text":"So it was very minimal.","start":430.53998,"end":432.15997,"sentiment":"neutral","sentiment_score":0.19362140893936158},{"text":"No concerns there.","start":432.3,"end":433.59998,"sentiment":"neutral","sentiment_score":0.1665028010805448},{"text":"We are still going to lower the fees as well of the investments and also improve the performance, another sort of a little bit over 2% per annum for five years.","start":434.78,"end":444.695,"sentiment":"positive","sentiment_score":0.4609122382056329}],"sentiment":"neutral","sentiment_score":0.21969330126914796,"num_words":79,"start":409.265,"end":444.695},{"sentences":[{"text":"That'll compound quite nicely, get you back into double digits.","start":445.155,"end":448.135,"sentiment":"positive","sentiment_score":0.5849418491125107},{"text":"Another thing too, can you see in the very middle row under insurance premiums?","start":451.05,"end":455.31,"sentiment":"neutral","sentiment_score":0.19976901582309178},{"text":"I've I've found a policy that will give you more insurance than what you've currently got for less price overall.","start":458.16998,"end":465.225,"sentiment":"neutral","sentiment_score":0.22719345688819886},{"text":"So it will take the old application.","start":468.98502,"end":471.165,"sentiment":"neutral","sentiment_score":0.18506306942020143},{"text":"I do apologize, but I think this is a bit of a winner.","start":471.225,"end":474.845,"sentiment":"neutral","sentiment_score":0.11364081960458022}],"sentiment":"neutral","sentiment_score":0.24941915611270815,"num_words":64,"start":445.155,"end":474.845},{"sentences":[{"text":"So I'll take you through that in a second.","start":474.905,"end":477.165,"sentiment":"neutral","sentiment_score":0.09649673807952139},{"text":"What you saw just before on the next page, projections, performance returns, all that kind of thing.","start":477.465,"end":483.43,"sentiment":"neutral","sentiment_score":0.05204741985482328},{"text":"Any questions so far?","start":483.43,"end":484.97,"sentiment":"neutral","sentiment_score":0.02012400608509779},{"text":"Cool.","start":488.63,"end":489.13,"sentiment":"neutral","sentiment_score":-0.015987560153007507},{"text":"This one does seem look.","start":490.15,"end":491.83,"sentiment":"neutral","sentiment_score":0.05491797998547554}],"sentiment":"neutral","sentiment_score":0.05812153178784582,"num_words":36,"start":474.905,"end":491.83},{"sentences":[{"text":"There's a lot of figures on page 17 for the investments table.","start":491.83,"end":494.88998,"sentiment":"neutral","sentiment_score":0.032732452576359115},{"text":"Main thing to point out is that second last column that says target weight percentage, you'll see a bunch of zeros and a bunch of, like, round 7%, 6%.","start":502.36502,"end":511.74,"sentiment":"neutral","sentiment_score":0.07651075027112303},{"text":"Can you make those out?","start":511.74,"end":512.96,"sentiment":"neutral","sentiment_score":0.051303078234195706},{"text":"Perfect.","start":514.46,"end":514.77997,"sentiment":"neutral","sentiment_score":0.25452837347984314},{"text":"So anything that's zero, that's what we're getting rid of.","start":514.77997,"end":516.94,"sentiment":"neutral","sentiment_score":0.010003709048032761}],"sentiment":"neutral","sentiment_score":0.05653828147210573,"num_words":57,"start":491.83,"end":516.94},{"sentences":[{"text":"Anything that's got an amount, that's what we're either keeping or adding into the portfolio.","start":516.94,"end":520.96,"sentiment":"neutral","sentiment_score":0.07963217447201411},{"text":"You see what all your golds and and some really good info sorry, European shares and things like that being mixed in.","start":523.10504,"end":530.085,"sentiment":"neutral","sentiment_score":0.19552626240659843},{"text":"At the very bottom of the table, that's your new option to replace the underperforming one.","start":530.145,"end":534.9,"sentiment":"neutral","sentiment_score":0.01215952227357775},{"text":"Austenity Australian shares is the one that we found for you.","start":535.22003,"end":538.60004,"sentiment":"neutral","sentiment_score":0.10524907301772725},{"text":"10% less fees and has outperformed the Australian market over one three five in ten years.","start":540.82,"end":545.86005,"sentiment":"positive","sentiment_score":0.4845134001225233}],"sentiment":"neutral","sentiment_score":0.18250708689447492,"num_words":80,"start":516.94,"end":545.86005},{"sentences":[{"text":"So as opposed to what was replacing it, it's knocked it out of the park completely.","start":545.86005,"end":550.385,"sentiment":"positive","sentiment_score":0.4988820068538189},{"text":"If you go past there, the last thing for the super is on page 19.","start":553.885,"end":557.325,"sentiment":"neutral","sentiment_score":0.11773631746570269},{"text":"There's a pie chart for your asset allocation.","start":557.325,"end":559.505,"sentiment":"neutral","sentiment_score":0.06807459238916636},{"text":"Perfect.","start":565.84,"end":566.34,"sentiment":"positive","sentiment_score":0.5073719620704651},{"text":"Only thing I'll say here is that you need between 90 to a 100% growth assets.","start":566.88,"end":571.38,"sentiment":"neutral","sentiment_score":0.032828937750309706}],"sentiment":"neutral","sentiment_score":0.20223908172920346,"num_words":56,"start":545.86005,"end":571.38},{"sentences":[{"text":"You're sitting at 86.","start":571.52,"end":572.88,"sentiment":"neutral","sentiment_score":0.025077258120290935},{"text":"We're gonna bump you up to about 94.","start":572.88,"end":574.9,"sentiment":"neutral","sentiment_score":0.05287486640736461},{"text":"Salary sacrifices on the next page, that just shows you the tax differences for your take home pay.","start":577.84503,"end":583.065,"sentiment":"neutral","sentiment_score":0.097408729708857},{"text":"For every $100, it'll probably cost you about 68 in the take home pay.","start":583.525,"end":588.265,"sentiment":"neutral","sentiment_score":0.03872146776744297},{"text":"Amazing.","start":590.885,"end":591.385,"sentiment":"positive","sentiment_score":0.4902457892894745}],"sentiment":"neutral","sentiment_score":0.07353358747851517,"num_words":45,"start":571.52,"end":591.385},{"sentences":[{"text":"Now the big one here, page twenty three and twenty four is the insurances.","start":591.8,"end":595.66,"sentiment":"neutral","sentiment_score":0.1273477322288922},{"text":"So what I need to just quickly run by you, can you see the Zurich table?","start":597.95996,"end":602.13995,"sentiment":"neutral","sentiment_score":0.029187844949774444},{"text":"Alright.","start":604.23505,"end":604.55505,"sentiment":"neutral","sentiment_score":0.07813256978988647},{"text":"So Zurich is who we're recommending that gave you the best outcome.","start":604.55505,"end":608.97504,"sentiment":"neutral","sentiment_score":0.11850340726474921},{"text":"They've got the same feature score.","start":610.79504,"end":612.79504,"sentiment":"neutral","sentiment_score":0.1322696047524611}],"sentiment":"neutral","sentiment_score":0.0927278542016842,"num_words":49,"start":591.8,"end":612.79504},{"sentences":[{"text":"So the the writing under the hood is just as good, but there's lower preference.","start":612.79504,"end":617.215,"sentiment":"neutral","sentiment_score":0.08644559768338998},{"text":"So it's a million dollars worth of life insurance, $9.38 worth of total disability.","start":617.35504,"end":622.48,"sentiment":"neutral","sentiment_score":0.027141317326043333},{"text":"The reason why that's on a million is because you do have that small amount of trauma cover that you're paying out of pocket for heart attack, stroke, and cancer.","start":624.38,"end":632.72,"sentiment":"neutral","sentiment_score":0.0175256522372365},{"text":"That'll go down from 42 to 36 a month for the out of port costs, like for like.","start":634.835,"end":640.61505,"sentiment":"neutral","sentiment_score":0.15800897351194484},{"text":"The income protection, you just told me that you're up to was it a 118,000?","start":642.03503,"end":646.135,"sentiment":"neutral","sentiment_score":-0.004534850704173247}],"sentiment":"neutral","sentiment_score":0.05411489932157565,"num_words":92,"start":612.79504,"end":646.135},{"sentences":[{"text":"Perfect.","start":649.06,"end":649.38,"sentiment":"positive","sentiment_score":0.5621397495269775},{"text":"So just for disclosure purposes, let me work that back.","start":649.38,"end":654.12,"sentiment":"neutral","sentiment_score":0.16388813108205796},{"text":"Done.","start":654.18005,"end":654.68005,"sentiment":"neutral","sentiment_score":0.17712250351905823},{"text":"Okay.","start":654.74005,"end":655.14,"sentiment":"neutral","sentiment_score":0.07192401587963104},{"text":"So you're insured for 4,453 a month.","start":655.14,"end":659.4,"sentiment":"neutral","sentiment_score":0.055789436612810404}],"sentiment":"neutral","sentiment_score":0.14202968180179595,"num_words":20,"start":649.06,"end":659.4},{"sentences":[{"text":"We've recommended 6,300, and your maximum now is 6,800 with your new income.","start":660.82,"end":668.70496,"sentiment":"neutral","sentiment_score":0.12176476877469283},{"text":"So just checking that 6,300 would still be enough to cover expenses and everything.","start":668.845,"end":673.08496,"sentiment":"neutral","sentiment_score":0.158566131655659},{"text":"You didn't wanna increase it again or just go from the 4.5 to Cool.","start":673.08496,"end":677.27,"sentiment":"neutral","sentiment_score":0.03592427247869117},{"text":"It's a a solid 1,500 a week after tax in the hand, so, hopefully, that that covers things.","start":679.33,"end":684.87,"sentiment":"neutral","sentiment_score":0.23181011900305748},{"text":"Cool.","start":686.93,"end":687.33,"sentiment":"neutral","sentiment_score":0.33124205470085144}],"sentiment":"neutral","sentiment_score":0.14682719747846326,"num_words":60,"start":660.82,"end":687.33},{"sentences":[{"text":"And we're not changing waiting period or benefit period, so it's still two years.","start":687.33,"end":691.245,"sentiment":"neutral","sentiment_score":0.01872141326644591},{"text":"You still gotta wait ninety days.","start":691.325,"end":692.605,"sentiment":"neutral","sentiment_score":-0.023197160723308723},{"text":"So just please bear in mind sick leave, savings, and everything.","start":692.605,"end":696.065,"sentiment":"neutral","sentiment_score":-0.020096082748337227},{"text":"Beautiful.","start":698.685,"end":699.185,"sentiment":"positive","sentiment_score":0.45543548464775085},{"text":"Everything else after that is basically how we arrived at those figures.","start":699.885,"end":703.025,"sentiment":"neutral","sentiment_score":0.12495001250257094}],"sentiment":"neutral","sentiment_score":0.042197626041756434,"num_words":44,"start":687.33,"end":703.025},{"sentences":[{"text":"Life and TV were fine, some insurance impact.","start":703.96497,"end":706.705,"sentiment":"neutral","sentiment_score":-0.00950691825710237},{"text":"I'm skipping quite far down now to page 32, but if we replace your Encompass with Zurich, you need to put in place a beneficiary nomination for the new life insurance policy.","start":708.09,"end":719.71,"sentiment":"neutral","sentiment_score":0.01354986946171266},{"text":"Cool.","start":721.77,"end":722.145,"sentiment":"neutral","sentiment_score":0.210010826587677},{"text":"And I'm assuming you still want your partner listed as the beneficiary?","start":722.385,"end":725.84503,"sentiment":"neutral","sentiment_score":0.08734713867306709},{"text":"Easy done.","start":727.98505,"end":728.805,"sentiment":"neutral","sentiment_score":0.32662108540534973}],"sentiment":"neutral","sentiment_score":0.04125380251260305,"num_words":55,"start":703.96497,"end":728.805},{"sentences":[{"text":"And a couple of minors on wills, powers of attorney, and we've reiterated fees and commissions at the bottom.","start":729.265,"end":735.365,"sentiment":"neutral","sentiment_score":0.12362446439893622},{"text":"Anytime we put in place a policy with any provider, they do pay us 66 percent of the first year's premiums and 22% ongoing to manage it with you, give you further advice, and help you with claims.","start":735.85004,"end":748.695,"sentiment":"neutral","sentiment_score":0.2143098559034498},{"text":"If anything ever does happen to you, go off of it, we're probably not the first people to call, but we'd hope to be the second because we can launch claims packs.","start":754.695,"end":762.135,"sentiment":"neutral","sentiment_score":0.09192110976437107},{"text":"We can help you through the process, Just make it a bit smoother because you know what insurance companies could be like.","start":762.135,"end":767.65,"sentiment":"neutral","sentiment_score":0.2212664092128927},{"text":"And that's pretty much it.","start":770.51,"end":771.71,"sentiment":"neutral","sentiment_score":0.3177135467529297}],"sentiment":"neutral","sentiment_score":0.1714702034208538,"num_words":116,"start":729.265,"end":771.71},{"sentences":[{"text":"Any questions at this point?","start":771.71,"end":773.09,"sentiment":"neutral","sentiment_score":0.07749636471271515},{"text":"Cool.","start":775.55005,"end":775.79004,"sentiment":"neutral","sentiment_score":0.1832778751850128},{"text":"So for this one, the only document to sign through, at the bottom, there's an authority to proceed or there's little button saying begin or start, whatever it is.","start":775.79004,"end":787.235,"sentiment":"neutral","sentiment_score":0.08574559809318905},{"text":"There's a signature box and a date box that'll stamp in there for you, but there's also a a text box just above it.","start":789.215,"end":795.89,"sentiment":"neutral","sentiment_score":0.08986994437873363},{"text":"And if you could just type into that n slash a, like, not applicable, if you are happy with all the recommendations.","start":796.03,"end":803.57,"sentiment":"neutral","sentiment_score":0.044882260262966156}],"sentiment":"neutral","sentiment_score":0.07656383252254238,"num_words":81,"start":771.71,"end":803.57},{"sentences":[{"text":"Cool.","start":809.45496,"end":809.855,"sentiment":"positive","sentiment_score":0.37859123945236206},{"text":"Now it should allow you to basically just keep clicking the button to skip through the documents and go to the next ones.","start":809.855,"end":816.195,"sentiment":"neutral","sentiment_score":0.19321627558573432},{"text":"I've only added a signature for the quote.","start":819.21497,"end":822.27,"sentiment":"neutral","sentiment_score":0.02664953179191798},{"text":"Yeah.","start":826.03,"end":826.53,"sentiment":"neutral","sentiment_score":0.05642226338386536},{"text":"Please.","start":827.31,"end":827.81,"sentiment":"neutral","sentiment_score":0.11061058938503264}],"sentiment":"neutral","sentiment_score":0.15302337308907332,"num_words":34,"start":809.45496,"end":827.81},{"sentences":[{"text":"Perfect.","start":847.885,"end":848.385,"sentiment":"neutral","sentiment_score":0.3087506890296936},{"text":"From here, for the new policy, we won't cancel the existing one until the new one's in place just in case if anything pops up health wise, that may cause a concern.","start":849.26996,"end":858.25,"sentiment":"neutral","sentiment_score":0.000821503228507936},{"text":"From here, I need to get you in for the personal statement to actually go through the questions, health questions, occupation for the insurer.","start":860.87,"end":870.21497,"sentiment":"neutral","sentiment_score":-0.02181326582406958},{"text":"Is there a day and time that you would have about twenty minutes available for that?","start":872.035,"end":880.13,"sentiment":"neutral","sentiment_score":-0.020902938907966018},{"text":"Perfect.","start":880.13,"end":880.61,"sentiment":"neutral","sentiment_score":0.22900670766830444}],"sentiment":"neutral","sentiment_score":-0.003971890571552354,"num_words":74,"start":847.885,"end":880.61},{"sentences":[{"text":"So while I'm just grabbing up the appointment calendar, I'm just gonna quickly check your ID as well because I have to certify it for any applications.","start":880.61,"end":889.35,"sentiment":"neutral","sentiment_score":0.13067471539532696},{"text":"I believe it's in date.","start":891.135,"end":893.455,"sentiment":"neutral","sentiment_score":0.03224298432469368},{"text":"I'll just double check.","start":893.455,"end":894.755,"sentiment":"neutral","sentiment_score":0.03822041768580675},{"text":"Please bear with me for one moment.","start":897.535,"end":899.315,"sentiment":"neutral","sentiment_score":-0.006271314142005784},{"text":"Yeah.","start":902.735,"end":903.055,"sentiment":"neutral","sentiment_score":-0.017049139365553856}],"sentiment":"neutral","sentiment_score":0.08594012658365748,"num_words":44,"start":880.61,"end":903.055},{"sentences":[{"text":"That little circle.","start":903.055,"end":903.855,"sentiment":"neutral","sentiment_score":-0.01572112025072177},{"text":"Because there's so many documents, sometimes it takes two minutes.","start":903.855,"end":910.08997,"sentiment":"neutral","sentiment_score":0.005101486667990684},{"text":"K.","start":915.50995,"end":915.75,"sentiment":"neutral","sentiment_score":0.08001520484685898},{"text":"Certified ID on file.","start":915.75,"end":917.44995,"sentiment":"neutral","sentiment_score":0.059159896336495876},{"text":"Alright.","start":923.285,"end":923.765,"sentiment":"neutral","sentiment_score":0.07888118922710419}],"sentiment":"neutral","sentiment_score":0.0210203939656678,"num_words":19,"start":903.055,"end":923.765},{"sentences":[{"text":"So we have your expiry as actually, the last one that we've got expired in 2024.","start":923.765,"end":929.285,"sentiment":"neutral","sentiment_score":0.06708316993899643},{"text":"So if it's okay with you, what we normally do is just send, like, a text message.","start":929.285,"end":933.545,"sentiment":"neutral","sentiment_score":0.10193505401120466},{"text":"And if you can reply with usual sort of clear photo, front and back of the license, it'll have some instructions in the message, but we need to sort it by that one.","start":934.8,"end":944.1,"sentiment":"neutral","sentiment_score":0.03942210664690444},{"text":"And then for the application, let's have a quick look.","start":945.6,"end":950.46497,"sentiment":"neutral","sentiment_score":0.06338282749056816},{"text":"Would you prefer morning or afternoon, Sue?","start":955.085,"end":957.825,"sentiment":"neutral","sentiment_score":0.04140723869204521}],"sentiment":"neutral","sentiment_score":0.06061247111219598,"num_words":83,"start":923.765,"end":957.825},{"sentences":[{"text":"Afternoon a bit better?","start":960.445,"end":961.825,"sentiment":"neutral","sentiment_score":0.028153855353593826},{"text":"Let's go for Tuesday afternoon.","start":964.33,"end":969.31,"sentiment":"neutral","sentiment_score":0.06324366927146911},{"text":"That would probably be the most availability.","start":971.61005,"end":973.79004,"sentiment":"neutral","sentiment_score":0.10161564712013517},{"text":"Now I'm just very conscious of the old daylight.","start":974.57,"end":976.99005,"sentiment":"neutral","sentiment_score":-0.0050866202347808415},{"text":"That's not kicking in for a couple of weeks, is it?","start":977.21497,"end":979.475,"sentiment":"neutral","sentiment_score":-0.036214991387995804}],"sentiment":"neutral","sentiment_score":0.01933330028421349,"num_words":36,"start":960.445,"end":979.475},{"sentences":[{"text":"That's right.","start":984.495,"end":985.315,"sentiment":"neutral","sentiment_score":0.010168340348172933},{"text":"First Sunday of October.","start":985.455,"end":986.755,"sentiment":"neutral","sentiment_score":0.014617275446653366},{"text":"I didn't wanna mess that one up.","start":987.375,"end":988.815,"sentiment":"neutral","sentiment_score":-0.025657793174364736},{"text":"So on September 15, we can pretty much do one, two, or 3PM.","start":988.815,"end":997.61005,"sentiment":"neutral","sentiment_score":0.02908691491645116},{"text":"Would you prefer three third?","start":1011.845,"end":1013.305,"sentiment":"neutral","sentiment_score":0.005979148671030998}],"sentiment":"neutral","sentiment_score":0.009910544113916975,"num_words":31,"start":984.495,"end":1013.305},{"sentences":[{"text":"Beautiful.","start":1016.245,"end":1016.745,"sentiment":"positive","sentiment_score":0.4250999093055725},{"text":"Alrighty.","start":1017.16,"end":1017.39996,"sentiment":"neutral","sentiment_score":0.26128995418548584},{"text":"So what I'll do is I'll book in for the personal statement, 03:30PM.","start":1017.39996,"end":1023.42,"sentiment":"neutral","sentiment_score":0.13313631999951142},{"text":"Booking.","start":1025.4,"end":1025.9,"sentiment":"neutral","sentiment_score":0.09323224425315856},{"text":"We'll just make sure that we get the ID before that so we can send it all together.","start":1027.08,"end":1031.275,"sentiment":"neutral","sentiment_score":0.09538357601397568}],"sentiment":"neutral","sentiment_score":0.12433231282321845,"num_words":34,"start":1016.245,"end":1031.275},{"sentences":[{"text":"Usually, it does only take about twenty minutes.","start":1032.535,"end":1034.295,"sentiment":"neutral","sentiment_score":0.08177788369357586},{"text":"Please bear in mind, it will be health questions and things like that.","start":1034.295,"end":1037.115,"sentiment":"neutral","sentiment_score":0.015480164581766495},{"text":"We will try and grab all the information that we did previously for the last application and use that as a starting point.","start":1037.175,"end":1043.97,"sentiment":"neutral","sentiment_score":0.08452083591533743},{"text":"From that point, if anything comes back from the insurers, they'll let you know straight away, and you might get booked in for a bit of a follow-up just to go options with you.","start":1047.23,"end":1060.105,"sentiment":"neutral","sentiment_score":0.11474793470081161},{"text":"And that'll be 03:30PM.","start":1060.245,"end":1061.925,"sentiment":"neutral","sentiment_score":0.11548960208892822}],"sentiment":"neutral","sentiment_score":0.08735161735789805,"num_words":82,"start":1032.535,"end":1061.925},{"sentences":[{"text":"Personal statement is done.","start":1061.925,"end":1063.445,"sentiment":"neutral","sentiment_score":0.16435570269823074},{"text":"And we'll send you a reminder text a couple of hours beforehand.","start":1063.445,"end":1066.025,"sentiment":"neutral","sentiment_score":0.19259036580721536},{"text":"Amazing.","start":1068.405,"end":1068.905,"sentiment":"positive","sentiment_score":0.4512218236923218},{"text":"Any questions for me, sir?","start":1069.445,"end":1070.67,"sentiment":"neutral","sentiment_score":0.0997370108962059},{"text":"Awesome.","start":1073.39,"end":1073.89,"sentiment":"positive","sentiment_score":0.5325936079025269}],"sentiment":"neutral","sentiment_score":0.19352207332849503,"num_words":23,"start":1061.925,"end":1073.89},{"sentences":[{"text":"You are amazing.","start":1074.03,"end":1074.99,"sentiment":"positive","sentiment_score":0.5941685239473978},{"text":"Thank you so much for your time.","start":1074.99,"end":1076.6901,"sentiment":"neutral","sentiment_score":0.2996425926685333},{"text":"Look.","start":1078.67,"end":1079.0701,"sentiment":"neutral","sentiment_score":0.20226207375526428},{"text":"I love what I do, but look.","start":1079.0701,"end":1082.1901,"sentiment":"neutral","sentiment_score":0.2085446236389024},{"text":"Honestly, it's a strange personal interest of just look.","start":1082.1901,"end":1085.085,"sentiment":"neutral","sentiment_score":-0.01754053364695412}],"sentiment":"neutral","sentiment_score":0.19941530951581188,"num_words":27,"start":1074.03,"end":1085.085},{"sentences":[{"text":"Insurance isn't my favorite.","start":1085.245,"end":1086.465,"sentiment":"neutral","sentiment_score":-0.03183368965983391},{"text":"But investing and improving people's positions is I've been doing it for twelve years now, so still enjoy it.","start":1087.245,"end":1095.0249,"sentiment":"neutral","sentiment_score":0.0487418562958115},{"text":"Yeah.","start":1102.09,"end":1102.59,"sentiment":"neutral","sentiment_score":-0.003975000232458115},{"text":"You know, the weird thing, though, is if I just keep people from panicking, we can tend to very easily average things out over a long period of time and get some really good outcomes.","start":1103.13,"end":1113.39,"sentiment":"neutral","sentiment_score":0.05267374510211604},{"text":"And if people just don't panic and and run around screaming in the streets, they tend to benefit very, very well.","start":1113.745,"end":1120.225,"sentiment":"neutral","sentiment_score":0.09540531074716932}],"sentiment":"neutral","sentiment_score":0.05802347643766552,"num_words":80,"start":1085.245,"end":1120.225},{"sentences":[{"text":"So it's a bit more of a psychological patience thing more than just the technical side.","start":1120.225,"end":1125.445,"sentiment":"neutral","sentiment_score":-0.004028131312225014},{"text":"Yeah.","start":1133.5,"end":1134.0,"sentiment":"neutral","sentiment_score":-0.02071536704897881},{"text":"Well, thank you.","start":1146.635,"end":1147.675,"sentiment":"neutral","sentiment_score":0.10331513732671738},{"text":"And you're right.","start":1147.675,"end":1148.475,"sentiment":"neutral","sentiment_score":0.034717485308647156},{"text":"It's more intense.","start":1148.475,"end":1149.355,"sentiment":"neutral","sentiment_score":-0.03437161445617676}],"sentiment":"neutral","sentiment_score":0.00868529063434555,"num_words":26,"start":1120.225,"end":1149.355},{"sentences":[{"text":"There's a lot more moving we've got to do, but some of the most relaxed people I've seen are just oblivious to the world.","start":1149.355,"end":1155.4199,"sentiment":"neutral","sentiment_score":-0.07584115769714117},{"text":"They never go online.","start":1155.4199,"end":1156.2999,"sentiment":"neutral","sentiment_score":-0.10509659722447395},{"text":"They never see the news.","start":1156.2999,"end":1157.34,"sentiment":"neutral","sentiment_score":-0.10111527740955353},{"text":"They never panic.","start":1157.34,"end":1158.14,"sentiment":"neutral","sentiment_score":-0.09502087036768596},{"text":"They don't know, and then everything works out alright.","start":1158.14,"end":1160.7999,"sentiment":"neutral","sentiment_score":-0.04719011692537202}],"sentiment":"neutral","sentiment_score":-0.07679831609129906,"num_words":45,"start":1149.355,"end":1160.7999},{"sentences":[{"text":"Oh, exactly right.","start":1181.51,"end":1182.8099,"sentiment":"neutral","sentiment_score":0.04742057807743549},{"text":"So it has been an absolute pleasure as always.","start":1183.19,"end":1185.51,"sentiment":"positive","sentiment_score":0.899157702922821},{"text":"If you need anything at all, please let us know.","start":1185.51,"end":1188.01,"sentiment":"positive","sentiment_score":0.4095329910516739},{"text":"Jack will be there for you on Tuesday afternoon.","start":1189.4299,"end":1191.9299,"sentiment":"positive","sentiment_score":0.34054548541704815},{"text":"And if anything pops up, just give us a bell.","start":1192.325,"end":1195.065,"sentiment":"neutral","sentiment_score":0.14958563819527626}],"sentiment":"positive","sentiment_score":0.4119701639453812,"num_words":41,"start":1181.51,"end":1195.065},{"sentences":[{"text":"No worries.","start":1198.805,"end":1199.285,"sentiment":"positive","sentiment_score":0.5468940287828445},{"text":"Have a fantastic day.","start":1199.285,"end":1200.585,"sentiment":"positive","sentiment_score":0.7641847431659698},{"text":"Bye.","start":1202.565,"end":1203.065,"sentiment":"neutral","sentiment_score":-0.09723993390798567}],"sentiment":"positive","sentiment_score":0.5790410137602261,"num_words":7,"start":1198.805,"end":1203.065}]}}]},{"alternatives":[{"transcript":"Hi, Tommy. Yes. I've got Sue. She has passed security. Are you ready for her? Perfect. She seems to be in a very cheery mood. Alright. Not a problem. In 321, you have Sue. Good. How are you going? Oh, it's a little cold today, and I don't like the cold. But that's it's yeah. But that's so tiny. It's coming into this good part of the year, so I can't complain. No. No. I just got to I just got to an inflection too late, so I apologize. Yep. Cool. Yep. No. I'm it should be okay. I do think I should be fine. Yep. Yep. Yep. No worries at all. Yes. Yep. Yep. Sure. I get it. Oh, I have been doing an audit myself today to get Brooke prepared for an audit CRMS. Totally understand. Okay. Sure. Yep. Sure. Yeah. No. That's fine. Let me just move. I hope I don't lose you. Here we go. Okay. Now I'll leave my time. So hopefully, I don't lose you. Okay. So I request sign document. Click the star. Oh, signature. Oh. Oh, yeah. Okay. No worries. Yep. Yep. Okay. Yep. Got it. Yep. Mhmm. Yep. Yep. Okay. Yep. Absolutely. Yep. Yep. Yep. Yeah. No problem. Yep. Yep. Mhmm. Yeah. No. Different, actually. My income's about 118, and I'm permanent full time. Yep. Yep. Yep. Yeah. And that look alright. That looks reasonable. Yeah. Probably the exit value from other ones, not quite 2,000,000 anymore, but, yeah, whatever. God, it's so hard around here. But yep. Yep. Yep. Got it. Yep. Beautiful. Sure. Yep. Mhmm. Sure. Thank you, friends. So we recommended this this. Alright. So yeah. 15. Sorry. I went past that. Yep. Right. Okay. Mhmm. Excellent. Mhmm. Fine. Thank you. That's brilliant. No. No. No. That's fine. 17. Yep. Well, yeah, I don't know how to send any of that, so it's all good. Yep. Yep. Yep. Gotcha. Okay. Right. Okay. Sure. Okay. Awesome. Okay. Yes. Again, this is why I've got you guys. I don't understand, and I'm happy. Sure. Sure. Okay. Perfect. Oh, yeah. Yeah. Yeah. No. That's perfect. That's no problems at all. K. Okay. Yes. Mhmm. Yep. Yep. Yep. Yep. That's fine. Yep. Yep. Yep. Okay. It's yeah. I'm pretty sure it's around that now. Yeah. Yep. Yep. Yep. That's fine. No. That'll be fine. Yep. Yeah. Absolutely. That'll be fine. Yep. Yep. Yep. Sure. Okay. Yep. Cool. Yes, ma'am. Yep. Yep. That's a nice percentage. That's cool. Yeah. No problem. Yep. Absolutely. No. Not all looks good. Yep. Yep. Yep. Sure. And slash a. Yep. Done. Yes. Yep. Next document. Oh, I see. Got it. Yeah. And that's Zurich one. Yeah. Click to start. Yep. Sweet. Okay. Oh, god. It's so cool. My phone's not good. Today's date. Next. Next. Next. Next. Next. And validate. Happy with that. Yes. Mhmm. Whenever. It doesn't really go to me. Sure. Mhmm. No. You're right. She's still the validation's still loading for some reason, but got you. Perfect. Yep. Sure. Not a problem. Yeah. Of course. Probably afternoon with work. Yep. No. No. It doesn't kick in until first week in October. Let's do 3PM. I finished work at three, so 03:30 would be actually be better. Yeah, please. Yep. Yep. Sure. No problem. Yep. Of course. Perfect. Beautiful. None whatsoever. No. No. You are. I appreciate it. I know how you do it all. Alright. That is crazy. The market is so must be so difficult. That's what that's what gets me. So but anyway. Yeah. Yeah. Yeah. Oh, yeah. Okay. Oh, I just think just so you know, this happening and this happening, especially in today's climate. I think, you know I don't know. Just go, you know, people say, go, people say, oh, people moving stocks. You know? Just like it seems very probably, a lot more intense than it normally is. And, yeah, hats off to you guys doing that personally. And and I also think I am I don't have enough information to know the real ins and outs. You know, people can save things, but there's a lot more moving parts than just don't buy those shares or buy that middle. It is a lot more to it than that. It's not my thing. So that's why I employ people like you. Yep. Yeah. Will do. No worries. I appreciate your help. Thank you so much. Thanks. You too. 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Tommy. Yes. I've got Sue. She has passed security. Are you ready for her?\n\nPerfect. She seems to be in a very cheery mood. Alright. Not a problem. In 321, you have Sue.\n\nGood. How are you going? Oh, it's a little cold today, and I don't like the cold. But that's it's yeah. But that's so tiny.\n\nIt's coming into this good part of the year, so I can't complain. No. No. I just got to I just got to an inflection too late, so I apologize. Yep.\n\nCool. Yep. No. I'm it should be okay. I do think I should be fine.\n\nYep. Yep. Yep. No worries at all. Yes.\n\nYep. Yep. Sure. I get it. Oh, I have been doing an audit myself today to get Brooke prepared for an audit CRMS.\n\nTotally understand. Okay. Sure. Yep. Sure.\n\nYeah. No. That's fine. Let me just move. I hope I don't lose you.\n\nHere we go. Okay. Now I'll leave my time. So hopefully, I don't lose you. Okay.\n\nSo I request sign document. Click the star. Oh, signature. Oh. Oh, yeah.\n\nOkay. No worries. Yep. Yep. Okay.\n\nYep. Got it. Yep. Mhmm. Yep.\n\nYep. Okay. Yep. Absolutely. Yep.\n\nYep. Yep. Yeah. No problem. Yep.\n\nYep. Mhmm. Yeah. No. Different, actually.\n\nMy income's about 118, and I'm permanent full time. Yep. Yep. Yep. Yeah.\n\nAnd that look alright. That looks reasonable. Yeah. Probably the exit value from other ones, not quite 2,000,000 anymore, but, yeah, whatever. God, it's so hard around here.\n\nBut yep. Yep. Yep. Got it. Yep.\n\nBeautiful. Sure. Yep. Mhmm. Sure.\n\nThank you, friends. So we recommended this this. Alright. So yeah. 15.\n\nSorry. I went past that. Yep. Right. Okay.\n\nMhmm. Excellent. Mhmm. Fine. Thank you.\n\nThat's brilliant. No. No. No. That's fine.\n\n17. Yep. Well, yeah, I don't know how to send any of that, so it's all good. Yep. Yep.\n\nYep. Gotcha. Okay. Right. Okay.\n\nSure. Okay. Awesome. Okay. Yes.\n\nAgain, this is why I've got you guys. I don't understand, and I'm happy. Sure. Sure. Okay.\n\nPerfect. Oh, yeah. Yeah. Yeah. No.\n\nThat's perfect. That's no problems at all. K. Okay. Yes.\n\nMhmm. Yep. Yep. Yep. Yep.\n\nThat's fine. Yep. Yep. Yep. Okay.\n\nIt's yeah. I'm pretty sure it's around that now. Yeah. Yep. Yep.\n\nYep. That's fine. No. That'll be fine. Yep.\n\nYeah. Absolutely. That'll be fine. Yep. Yep.\n\nYep. Sure. Okay. Yep. Cool.\n\nYes, ma'am. Yep. Yep. That's a nice percentage. That's cool.\n\nYeah. No problem. Yep. Absolutely. No.\n\nNot all looks good. Yep. Yep. Yep. Sure.\n\nAnd slash a. Yep. Done. Yes. Yep.\n\nNext document. Oh, I see. Got it. Yeah. And that's Zurich one.\n\nYeah. Click to start. Yep. Sweet. Okay.\n\nOh, god. It's so cool. My phone's not good. Today's date. Next.\n\nNext. Next. Next. Next. And validate.\n\nHappy with that. Yes. Mhmm. Whenever. It doesn't really go to me.\n\nSure. Mhmm. No. You're right. She's still the validation's still loading for some reason, but got you.\n\nPerfect. Yep. Sure. Not a problem. Yeah.\n\nOf course. Probably afternoon with work. Yep. No. No.\n\nIt doesn't kick in until first week in October. Let's do 3PM. I finished work at three, so 03:30 would be actually be better. Yeah, please. Yep.\n\nYep. Sure. No problem. Yep. Of course.\n\nPerfect. Beautiful. None whatsoever. No. No.\n\nYou are. I appreciate it. I know how you do it all. Alright. That is crazy.\n\nThe market is so must be so difficult. That's what that's what gets me. So but anyway. Yeah. Yeah.\n\nYeah. Oh, yeah. Okay. Oh, I just think just so you know, this happening and this happening, especially in today's climate. I think, you know I don't know.\n\nJust go, you know, people say, go, people say, oh, people moving stocks. You know? Just like it seems very probably, a lot more intense than it normally is. And, yeah, hats off to you guys doing that personally. And and I also think I am I don't have enough information to know the real ins and outs.\n\nYou know, people can save things, but there's a lot more moving parts than just don't buy those shares or buy that middle. It is a lot more to it than that. It's not my thing. So that's why I employ people like you. Yep.\n\nYeah. Will do. No worries. I appreciate your help. Thank you so much.\n\nThanks. You too. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Tommy.","start":3.28,"end":4.26,"sentiment":"neutral","sentiment_score":0.028497835621237755},{"text":"Yes.","start":7.7599998,"end":8.16,"sentiment":"neutral","sentiment_score":0.051912009716033936},{"text":"I've got Sue.","start":8.16,"end":9.04,"sentiment":"neutral","sentiment_score":0.06737778335809708},{"text":"She has passed security.","start":9.04,"end":10.34,"sentiment":"neutral","sentiment_score":0.0966119784861803},{"text":"Are you ready for her?","start":10.4,"end":11.86,"sentiment":"neutral","sentiment_score":0.0801716536283493}],"sentiment":"neutral","sentiment_score":0.07322314754128456,"num_words":15,"start":3.28,"end":11.86},{"sentences":[{"text":"Perfect.","start":13.785,"end":14.265,"sentiment":"positive","sentiment_score":0.7620594501495361},{"text":"She seems to be in a very cheery 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a.","start":806.315,"end":807.835,"sentiment":"neutral","sentiment_score":0.060287306706110634},{"text":"Yep.","start":807.835,"end":808.315,"sentiment":"neutral","sentiment_score":0.11294855922460556},{"text":"Done.","start":808.315,"end":808.815,"sentiment":"neutral","sentiment_score":0.2880822420120239},{"text":"Yes.","start":815.41,"end":815.91,"sentiment":"neutral","sentiment_score":0.09094658493995668},{"text":"Yep.","start":816.44995,"end":816.68994,"sentiment":"neutral","sentiment_score":0.05942291021347046}],"sentiment":"neutral","sentiment_score":0.10460888807262693,"num_words":7,"start":806.315,"end":816.68994},{"sentences":[{"text":"Next document.","start":816.68994,"end":817.43,"sentiment":"neutral","sentiment_score":0.02948802150785923},{"text":"Oh, I see.","start":819.25,"end":819.99,"sentiment":"neutral","sentiment_score":0.01882124940554301},{"text":"Got 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date.","start":835.925,"end":836.985,"sentiment":"neutral","sentiment_score":-0.05771469697356224},{"text":"Next.","start":841.43,"end":841.67004,"sentiment":"neutral","sentiment_score":0.004167687147855759}],"sentiment":"neutral","sentiment_score":-0.09088761731982231,"num_words":12,"start":832.32495,"end":841.67004},{"sentences":[{"text":"Next.","start":841.67004,"end":842.17004,"sentiment":"neutral","sentiment_score":0.005185646004974842},{"text":"Next.","start":842.31,"end":842.81,"sentiment":"neutral","sentiment_score":0.009853619150817394},{"text":"Next.","start":843.35004,"end":843.85004,"sentiment":"neutral","sentiment_score":0.013611577451229095},{"text":"Next.","start":845.27,"end":845.35004,"sentiment":"neutral","sentiment_score":0.025387730449438095},{"text":"And 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personally.","start":1143.725,"end":1147.025,"sentiment":"neutral","sentiment_score":-0.0035042735747992998},{"text":"And and I also think I am I don't have enough information to know the real ins and outs.","start":1161.27,"end":1166.385,"sentiment":"neutral","sentiment_score":-0.12439215928316116}],"sentiment":"neutral","sentiment_score":-0.06901865174736956,"num_words":58,"start":1134.23,"end":1166.385},{"sentences":[{"text":"You know, people can save things, but there's a lot more moving parts than just don't buy those shares or buy that middle.","start":1166.465,"end":1172.805,"sentiment":"neutral","sentiment_score":-0.11218160131703252},{"text":"It is a lot more to it than that.","start":1173.345,"end":1175.285,"sentiment":"neutral","sentiment_score":-0.14554027219613394},{"text":"It's not my thing.","start":1175.665,"end":1176.705,"sentiment":"neutral","sentiment_score":-0.21679387614130974},{"text":"So that's why I employ people like 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Have you got Sue for me?\n\nChannel 1: Yes. I've got Sue. She has passed security. Are you ready for her?\n\nChannel 0: Yes. Absolutely.\n\nChannel 1: Perfect. She seems to be in a very cheery mood.\n\nChannel 0: Okay. Love that. Thank you so much.\n\nChannel 1: Alright. Not a problem. In 321, you have Sue.\n\nChannel 0: Good afternoon, Sue. You've reached Tommy, senior adviser. How are you doing?\n\nChannel 1: Good. How are you going?\n\nChannel 0: I'm living the dream. It's a beautiful day on the Gold Coast. What about your end?\n\nChannel 1: Oh, it's a little cold today, and I don't like the cold.\n\nChannel 0: It is, isn't\n\nChannel 1: But\n\nChannel 0: it?\n\nChannel 1: that's\n\nChannel 0: It seems to be chopping and changing a lot lately, hasn't\n\nChannel 1: it's yeah. But that's so tiny. It's coming into this good part of the year, so I can't complain.\n\nChannel 0: it? Fair enough. And thank you so much for calling back in so quickly. I\n\nChannel 1: No.\n\nChannel 0: do appreciate that.\n\nChannel 1: No. I just got to I just got to an inflection too late, so I apologize.\n\nChannel 0: That's no at all. So what I've got for you here today is I've got an email to send to your BigPond with the updated advice strategies that we were talking about.\n\nChannel 1: Yep.\n\nChannel 0: Will you to look onto it with me today,\n\nChannel 1: Cool.\n\nChannel 0: or should\n\nChannel 1: Yep.\n\nChannel 0: I just walk you through it?\n\nChannel 1: No. I'm it should be okay. I do think I should be fine.\n\nChannel 0: Cool. Awesome. I'll pop that through now. Now please bear in mind, there is about nine documents here, so it may take a few seconds.\n\nChannel 1: Yep.\n\nChannel 0: It should go pretty quickly to your main inbox.\n\nChannel 1: Yep. Yep. No worries at all.\n\nChannel 0: And just to kinda let you know as well what's there as well, I'm gonna be going through the statement of advice with you today and the supplementary documents,\n\nChannel 1: Yes.\n\nChannel 0: but there's\n\nChannel 1: Yep.\n\nChannel 0: a lot of, like, product documents for all the providers.\n\nChannel 1: Yep.\n\nChannel 0: Some total of, like, 1,400 pages that we don't need, but it is there for you to keep on file.\n\nChannel 1: Sure. I get it.\n\nChannel 0: Bit of compliance is going to crazy levels\n\nChannel 1: Oh,\n\nChannel 0: these days.\n\nChannel 1: I have been doing an audit myself today to get Brooke prepared for an audit CRMS. Totally understand.\n\nChannel 0: Cool. Cool. I have attached also some quotes as well and some additional research that we conducted.\n\nChannel 1: Okay. Sure.\n\nChannel 0: Now when you do get that email, it'll be under a statement of advice from Oakview Financial. And\n\nChannel 1: Yep.\n\nChannel 0: with that new Odoo system, there's, like, a sign that opens the documents up for us to go through\n\nChannel 1: Sure.\n\nChannel 0: together. And just let me know when you can see the Beachfront City logo on the first\n\nChannel 1: Yeah. No. That's fine. Let me just move. I hope I don't lose you.\n\nChannel 0: one. No worries\n\nChannel 1: Here we\n\nChannel 0: at\n\nChannel 1: go.\n\nChannel 0: all.\n\nChannel 1: Okay. Now I'll leave my time. So hopefully, I don't lose you. Okay. So I request sign document.\n\nClick the star. Oh, signature.\n\nChannel 0: And definitely don't sign anything yet. I just wanna kind of go through it\n\nChannel 1: Oh.\n\nChannel 0: with you.\n\nChannel 1: Oh, yeah. Okay. No worries.\n\nChannel 0: On that first one, if you can see that beachfront city, I just need you to scroll down to pages three and four for me.\n\nChannel 1: Yep.\n\nChannel 0: You should see a scope of heading. And\n\nChannel 1: Yep.\n\nChannel 0: on the three pages, you'll see a scope of advice not considered as well.\n\nChannel 1: Okay. Yep. Got it. Yep.\n\nChannel 0: So as a quick recap, we're dealing with the superannuation at the moment reviewing the investments inside there.\n\nChannel 1: Mhmm.\n\nChannel 0: Just removing some underperforming investments, and we were looking to move you up into more of a high growth approach for a little while.\n\nChannel 1: Yep.\n\nChannel 0: Insurance wise, we did do a review of your insurances. Main thing here was that you were a little bit underinsured for the income protection,\n\nChannel 1: Yep.\n\nChannel 0: and we have found some really interesting information I wanted to show you as well.\n\nChannel 1: Okay.\n\nChannel 0: Past that point, we have factored in $50 a week of salary sacrifice, if you're still comfortable with that, just to see what impact that would have on this as well.\n\nChannel 1: Yep. Absolutely.\n\nChannel 0: A few reminders for estate planning in terms of wills and powers of attorney and whatnot, and what we're not giving advice on is cash flow and\n\nChannel 1: Yep.\n\nChannel 0: debt management. So in terms of your savings,\n\nChannel 1: Yep.\n\nChannel 0: mortgage, and so on, you've got a pretty good handle on it yourself.\n\nChannel 1: Yep. Yeah. No problem.\n\nChannel 0: Beautiful. So if you scroll past there, you'll see a limited advice warning saying exactly that. We're not advising on everything. There's\n\nChannel 1: Yep.\n\nChannel 0: an about you section on pages\n\nChannel 1: Yep.\n\nChannel 0: seven and eight. Can\n\nChannel 1: Mhmm.\n\nChannel 0: you just let me know if that still sounds pretty accurate in terms of the income, teacher for the correctional center, permanent part\n\nChannel 1: Yeah. No. Different, actually. My income's about 118,\n\nChannel 0: time. Yep. Perfect.\n\nChannel 1: and I'm permanent full time.\n\nChannel 0: Permanent full time. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: On the next page, assets and liabilities, we've got the mortgage, vehicle, the investment unit, and the offset account.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Any major is there? Does that\n\nChannel 1: Yeah.\n\nChannel 0: look\n\nChannel 1: And\n\nChannel 0: alright?\n\nChannel 1: that look alright. That looks reasonable. Yeah.\n\nChannel 0: Perfect.\n\nChannel 1: Probably the exit value from other ones, not quite 2,000,000 anymore, but, yeah, whatever.\n\nChannel 0: Perfect. I know the property market's a bit up and down at the moment.\n\nChannel 1: God, it's so hard around here. But yep. Yep.\n\nChannel 0: Swing past there, you'll see your Encompass insurances on the next page, super.\n\nChannel 1: Yep.\n\nChannel 0: Risk profile on page 10, which is the difference between a growth and a high growth.\n\nChannel 1: Got it. Yep.\n\nChannel 0: Yep. Now the main info pages I wanted to run by you is page 12. After this one, there's a lot of text on this one. But after this, there's a few tables that I wanted to point out to you, and\n\nChannel 1: Beautiful.\n\nChannel 0: that'll kind of explain things a bit better.\n\nChannel 1: Sure.\n\nChannel 0: Main thing that we're doing is not only we're gonna bump your growth assets up from around about 80% of your super to 90% for the time being, we're\n\nChannel 1: Yep.\n\nChannel 0: also switching a few investments around. Again, just to try and keep that active style to outperform the market, but\n\nChannel 1: Mhmm.\n\nChannel 0: replace the sort of bad apples with some good red apples.\n\nChannel 1: Sure.\n\nChannel 0: If you go down past there, you'll see a giant table of advantages and disadvantages.\n\nChannel 1: Thank you, friends. So we recommended\n\nChannel 0: Yeah.\n\nChannel 1: this\n\nChannel 0: Got a bit of a side\n\nChannel 1: this.\n\nChannel 0: by\n\nChannel 1: Alright. So\n\nChannel 0: side. In terms of the fee comparison table on 15, can you see\n\nChannel 1: yeah.\n\nChannel 0: that sort of blue table with the current recommended?\n\nChannel 1: 15. Sorry. I went past that. Yep.\n\nChannel 0: So $328 is all that it would cost for capital gains tax inside the super to update\n\nChannel 1: Right.\n\nChannel 0: the investment. So it was very minimal. No concerns\n\nChannel 1: Okay.\n\nChannel 0: there. We are still going to lower the fees as well of the investments and also improve the performance, another sort of a little bit over 2% per annum for five years. That'll\n\nChannel 1: Mhmm.\n\nChannel 0: compound quite nicely, get you back into double digits.\n\nChannel 1: Excellent.\n\nChannel 0: Another thing too, can you see in the very middle row under insurance premiums?\n\nChannel 1: Mhmm.\n\nChannel 0: I've I've found a policy that will give you more insurance than what you've currently got for less price overall.\n\nChannel 1: Fine. Thank you. That's brilliant.\n\nChannel 0: So it will take the old application. I do apologize, but I think this is a bit of a winner. So I'll take you through that in a second. What you saw just before on the next page, projections, performance returns, all that kind of thing. Any questions so far?\n\nChannel 1: No. No.\n\nChannel 0: Cool.\n\nChannel 1: No. That's\n\nChannel 0: This one does seem look. There's a lot of figures on\n\nChannel 1: fine.\n\nChannel 0: page 17 for the investments table.\n\nChannel 1: 17. Yep. Well, yeah, I don't know how to send any of that, so it's all good.\n\nChannel 0: Main thing to point out is that second last column that says target weight percentage, you'll see\n\nChannel 1: Yep.\n\nChannel 0: a bunch of zeros and a bunch of, like, round 7%, 6%. Can you make those out?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Perfect. So anything that's zero, that's what we're getting rid of. Anything that's got an amount, that's what we're either keeping or adding into the portfolio.\n\nChannel 1: Gotcha. Okay.\n\nChannel 0: You see what all your golds and and some really good info sorry, European shares and things like that being mixed in. At the very bottom of the table, that's your new option to replace the underperforming one. Austenity Australian shares is the one that we found for you.\n\nChannel 1: Right. Okay. Sure.\n\nChannel 0: 10% less fees and has outperformed the Australian market over one three five in ten years. So as\n\nChannel 1: Okay.\n\nChannel 0: opposed to what was replacing it, it's knocked it out of the park completely.\n\nChannel 1: Awesome. Okay.\n\nChannel 0: If you go past there, the last thing for the super is on page 19. There's a pie chart for your asset\n\nChannel 1: Yes.\n\nChannel 0: allocation.\n\nChannel 1: Again, this is why I've got you guys. I don't understand, and I'm happy.\n\nChannel 0: Perfect. Only thing I'll say here is that you need between 90 to a 100% growth assets. You're sitting at 86. We're gonna bump you up to about 94.\n\nChannel 1: Sure. Sure. Okay. Perfect.\n\nChannel 0: Salary sacrifices on the next page, that just shows you the tax differences for your take home pay.\n\nChannel 1: Oh,\n\nChannel 0: For\n\nChannel 1: yeah.\n\nChannel 0: every $100, it'll probably cost you about 68 in the take home pay.\n\nChannel 1: Yeah. Yeah. No. That's perfect. That's no problems at all.\n\nChannel 0: Amazing. Now the big one here, page twenty three and twenty four is the insurances.\n\nChannel 1: K. Okay.\n\nChannel 0: So what I need to just quickly run by you, can you see the Zurich table?\n\nChannel 1: Yes.\n\nChannel 0: Alright. So Zurich is who we're recommending that gave you\n\nChannel 1: Mhmm.\n\nChannel 0: the best outcome.\n\nChannel 1: Yep.\n\nChannel 0: They've got the same feature score. So the the writing under the hood is just as good, but there's\n\nChannel 1: Yep.\n\nChannel 0: lower preference. So it's a million dollars worth of life insurance,\n\nChannel 1: Yep.\n\nChannel 0: $9.38 worth of total disability.\n\nChannel 1: Yep.\n\nChannel 0: The reason why that's on a million is because you do have that small amount of trauma cover that you're paying out of pocket\n\nChannel 1: That's fine.\n\nChannel 0: for heart attack, stroke, and cancer.\n\nChannel 1: Yep. Yep.\n\nChannel 0: That'll go down from 42 to 36 a month for the out of port costs,\n\nChannel 1: Yep. Okay.\n\nChannel 0: like for like. The income protection, you just told me that you're up to was it a 118,000?\n\nChannel 1: It's yeah. I'm pretty sure it's around that now. Yeah.\n\nChannel 0: Perfect. So just for disclosure purposes, let me work that back. Done. Okay. So you're insured for 4,453 a month.\n\nChannel 1: Yep.\n\nChannel 0: We've recommended 6,300,\n\nChannel 1: Yep.\n\nChannel 0: and your maximum now is 6,800 with your new\n\nChannel 1: Yep.\n\nChannel 0: income. So just checking that 6,300 would still be enough to cover expenses and everything. You didn't wanna increase it again or just go from the 4.5\n\nChannel 1: That's\n\nChannel 0: to Cool.\n\nChannel 1: fine. No. That'll be fine. Yep.\n\nChannel 0: It's a a solid 1,500 a week after tax in the hand, so,\n\nChannel 1: Yeah.\n\nChannel 0: hopefully, that that covers things.\n\nChannel 1: Absolutely. That'll be fine.\n\nChannel 0: Cool. And we're not changing waiting period or benefit period, so it's still two years. You still gotta wait ninety days. So just please bear in mind sick leave,\n\nChannel 1: Yep.\n\nChannel 0: savings, and everything.\n\nChannel 1: Yep. Yep. Sure.\n\nChannel 0: Beautiful. Everything else after that is basically how we arrived at those figures. Life and TV were fine, some insurance impact. I'm skipping quite far down now to page 32, but if we replace your Encompass with Zurich, you need to put in place a beneficiary nomination for the new life\n\nChannel 1: Okay.\n\nChannel 0: insurance policy.\n\nChannel 1: Yep. Cool.\n\nChannel 0: Cool. And I'm assuming you still want your partner listed as the\n\nChannel 1: Yes,\n\nChannel 0: beneficiary?\n\nChannel 1: ma'am. Yep.\n\nChannel 0: Easy done. And a couple of minors on wills, powers of attorney, and we've reiterated fees and commissions at the bottom. Anytime\n\nChannel 1: Yep.\n\nChannel 0: we put in place a policy with any provider, they do pay us 66 percent of the first year's premiums and 22% ongoing to manage it with you, give you further advice, and help you with claims.\n\nChannel 1: That's a nice percentage. That's cool. Yeah. No problem.\n\nChannel 0: If anything ever does happen to you, go off of it, we're probably not the first people to call, but we'd hope to be the second because we can launch claims packs. We can help you through the process,\n\nChannel 1: Yep.\n\nChannel 0: Just make it a bit smoother because you know what insurance companies could be like.\n\nChannel 1: Absolutely.\n\nChannel 0: And that's pretty much it. Any questions at this point?\n\nChannel 1: No. Not all looks good.\n\nChannel 0: Cool. So for this one, the only document to sign through, at the bottom, there's an authority to proceed or there's little button saying begin or start, whatever it is. There's a signature box and a date box that'll stamp in there for you, but there's\n\nChannel 1: Yep.\n\nChannel 0: also a a text box just above it. And\n\nChannel 1: Yep.\n\nChannel 0: if you could just type into that n slash a, like, not applicable, if you are happy with all the recommendations.\n\nChannel 1: Yep. Sure. And slash a. Yep. Done.\n\nChannel 0: Cool. Now it should allow you to basically just keep clicking the button to skip through the documents and go to the next\n\nChannel 1: Yes.\n\nChannel 0: ones.\n\nChannel 1: Yep. Next document.\n\nChannel 0: I've\n\nChannel 1: Oh, I see.\n\nChannel 0: only added a\n\nChannel 1: Got\n\nChannel 0: signature\n\nChannel 1: it. Yeah.\n\nChannel 0: for the quote.\n\nChannel 1: And that's Zurich one. Yeah. Click to start.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Please.\n\nChannel 1: Sweet. Okay. Oh, god. It's so cool. My phone's not good.\n\nToday's date. Next. Next. Next. Next.\n\nNext. And validate. Happy with that.\n\nChannel 0: Perfect. From here, for the new policy, we won't cancel the existing one until the new one's in place just in case if anything pops up health wise, that may cause\n\nChannel 1: Yes.\n\nChannel 0: a concern. From here, I need to get you in for the personal statement to actually go through the questions,\n\nChannel 1: Mhmm.\n\nChannel 0: health questions, occupation for the insurer. Is there a day and time that you would have about twenty minutes available for\n\nChannel 1: Whenever. It doesn't really go to me.\n\nChannel 0: that? Perfect. So while I'm just grabbing up the appointment calendar, I'm just gonna quickly check your ID as well because I have\n\nChannel 1: Sure.\n\nChannel 0: to certify it for any applications.\n\nChannel 1: Mhmm.\n\nChannel 0: I believe it's in date. I'll just double check. Please bear with me for one moment.\n\nChannel 1: No. You're right. She's still the validation's still loading for some reason,\n\nChannel 0: Yeah.\n\nChannel 1: but\n\nChannel 0: That little circle. Because there's so many documents, sometimes it takes\n\nChannel 1: got you. Perfect.\n\nChannel 0: two minutes. K. Certified ID on file. Alright. So we have your expiry as actually, the last one that we've got expired in 2024.\n\nSo if it's okay with you, what we normally do is just send, like, a text message.\n\nChannel 1: Yep.\n\nChannel 0: And if you can reply with usual sort of clear photo, front and\n\nChannel 1: Sure.\n\nChannel 0: back of the license, it'll have some instructions in the message, but we need\n\nChannel 1: Not\n\nChannel 0: to sort\n\nChannel 1: a problem.\n\nChannel 0: it by that one.\n\nChannel 1: Yeah. Of course.\n\nChannel 0: And then for the application, let's have a quick look. Would you prefer morning or afternoon, Sue?\n\nChannel 1: Probably afternoon with work.\n\nChannel 0: Afternoon a bit better?\n\nChannel 1: Yep.\n\nChannel 0: Let's go for Tuesday afternoon. That would probably be the most availability. Now I'm just very conscious of the old daylight. That's not kicking in for a couple of weeks, is it?\n\nChannel 1: No. No. It doesn't kick in until first week in October.\n\nChannel 0: That's right. First Sunday of October. I didn't wanna mess that one up. So on September 15, we can pretty much do one, two, or 3PM.\n\nChannel 1: Let's do 3PM. I finished work at three, so\n\nChannel 0: Would you prefer three third?\n\nChannel 1: 03:30 would be actually be better. Yeah, please.\n\nChannel 0: Beautiful. Alrighty. So what I'll do is I'll book in for the personal statement, 03:30PM. Booking. We'll just make sure that we get the ID before that so we can send it all together.\n\nUsually, it does only take about twenty minutes. Please bear in mind, it will be health questions and things like that. We will\n\nChannel 1: Yep.\n\nChannel 0: try and grab all the information that we did previously for the last application and use that as a starting point.\n\nChannel 1: Yep. Sure. No problem.\n\nChannel 0: From that point, if anything comes back from the insurers, they'll let you know straight away, and you\n\nChannel 1: Yep.\n\nChannel 0: might get booked in for a bit of a follow-up just to go\n\nChannel 1: Of course.\n\nChannel 0: options with you. And that'll be 03:30PM. Personal statement is done. And we'll send you a reminder text a couple of hours beforehand.\n\nChannel 1: Perfect.\n\nChannel 0: Amazing.\n\nChannel 1: Beautiful.\n\nChannel 0: Any questions for me, sir?\n\nChannel 1: None whatsoever.\n\nChannel 0: Awesome. You are amazing.\n\nChannel 1: No.\n\nChannel 0: Thank you so much for your time.\n\nChannel 1: No. You are.\n\nChannel 0: Look.\n\nChannel 1: I appreciate\n\nChannel 0: I love\n\nChannel 1: it.\n\nChannel 0: what\n\nChannel 1: I know\n\nChannel 0: I do,\n\nChannel 1: how you\n\nChannel 0: but\n\nChannel 1: do it all.\n\nChannel 0: look. Honestly, it's a strange personal interest of just look. Insurance isn't my favorite. But investing and improving people's positions is I've been doing it for twelve years now, so\n\nChannel 1: Alright.\n\nChannel 0: still enjoy\n\nChannel 1: That\n\nChannel 0: it.\n\nChannel 1: is crazy. The market is so must be so difficult. That's what that's what gets me. So\n\nChannel 0: Yeah.\n\nChannel 1: but\n\nChannel 0: You\n\nChannel 1: anyway.\n\nChannel 0: know, the weird thing, though, is if I just keep people from panicking, we can tend to very easily average things out over a long period of time and get some really good outcomes. And if people\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: just don't panic and and run around screaming in the streets, they tend to benefit very, very well. So it's\n\nChannel 1: Yeah.\n\nChannel 0: a bit more of a psychological patience thing more than\n\nChannel 1: Oh,\n\nChannel 0: just\n\nChannel 1: yeah.\n\nChannel 0: the technical\n\nChannel 1: Okay.\n\nChannel 0: side.\n\nChannel 1: Oh, I just think just so you know, this happening and this happening, especially in today's climate. I think, you know\n\nChannel 0: Yeah.\n\nChannel 1: I don't know. Just go, you know, people say, go, people say, oh, people moving stocks. You know? Just like it seems very probably, a lot more intense than it normally is. And, yeah, hats off to you guys doing that personally.\n\nChannel 0: Well, thank you. And you're right. It's more intense. There's a lot more moving we've got to do, but some of the most relaxed people I've seen are just oblivious to the world. They never go online.\n\nThey never see the news. They never panic. They don't know, and then everything works out alright.\n\nChannel 1: And and I also think I am I don't have enough information to know the real ins and outs. You know, people can save things, but there's a lot more moving parts than just don't buy those shares or buy that middle. It is a lot more to it than that. It's not my thing. So that's why I employ people like you.\n\nChannel 0: Oh, exactly right. So it has been an absolute pleasure as always. If you need anything at all, please let us know. Jack will be there for you on Tuesday afternoon. And if anything pops\n\nChannel 1: Yep.\n\nChannel 0: up, just give us a bell.\n\nChannel 1: Yeah. Will do. No worries. I appreciate your help. Thank you so much.\n\nChannel 0: No worries. Have a fantastic day.\n\nChannel 1: Thanks. You too. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Straight after this one.","start":1.28,"end":2.5,"sentiment":"neutral","sentiment_score":0.024331070482730865}],"sentiment":"neutral","sentiment_score":0.024331070482730865,"channel":0,"num_words":4,"start":1.28,"end":2.5},{"sentences":[{"text":"Hi, Tommy.","start":3.28,"end":4.26,"sentiment":"neutral","sentiment_score":0.028497835621237755}],"sentiment":"neutral","sentiment_score":0.028497835621237755,"channel":1,"num_words":2,"start":3.28,"end":4.26},{"sentences":[{"text":"Hello, Samantha?","start":5.12,"end":6.16,"sentiment":"neutral","sentiment_score":0.024223743937909603},{"text":"Have you got Sue for me?","start":6.16,"end":7.62,"sentiment":"neutral","sentiment_score":0.017358485764513414}],"sentiment":"neutral","sentiment_score":0.01907480030786246,"channel":0,"num_words":8,"start":5.12,"end":7.62},{"sentences":[{"text":"Yes.","start":7.7599998,"end":8.16,"sentiment":"neutral","sentiment_score":0.051912009716033936},{"text":"I've got Sue.","start":8.16,"end":9.04,"sentiment":"neutral","sentiment_score":0.06737778335809708},{"text":"She has passed security.","start":9.04,"end":10.34,"sentiment":"neutral","sentiment_score":0.0966119784861803},{"text":"Are you ready for her?","start":10.4,"end":11.86,"sentiment":"neutral","sentiment_score":0.0801716536283493}],"sentiment":"neutral","sentiment_score":0.0801039647597533,"channel":1,"num_words":13,"start":7.7599998,"end":11.86},{"sentences":[{"text":"Yes.","start":12.24,"end":12.559999,"sentiment":"neutral","sentiment_score":0.18706035614013672},{"text":"Absolutely.","start":12.559999,"end":13.059999,"sentiment":"positive","sentiment_score":0.5851852297782898}],"sentiment":"positive","sentiment_score":0.38612279295921326,"channel":0,"num_words":2,"start":12.24,"end":13.059999},{"sentences":[{"text":"Perfect.","start":13.785,"end":14.265,"sentiment":"positive","sentiment_score":0.7620594501495361},{"text":"She seems to be in a very cheery mood.","start":14.265,"end":16.525,"sentiment":"positive","sentiment_score":0.7427998185157776}],"sentiment":"positive","sentiment_score":0.7447257816791535,"channel":1,"num_words":10,"start":13.785,"end":16.525},{"sentences":[{"text":"Okay.","start":16.975,"end":17.455,"sentiment":"positive","sentiment_score":0.5072870850563049},{"text":"Love that.","start":17.455,"end":18.015,"sentiment":"positive","sentiment_score":0.6777633726596832},{"text":"Thank you so much.","start":18.015,"end":19.075,"sentiment":"positive","sentiment_score":0.7095479965209961}],"sentiment":"positive","sentiment_score":0.6715722594942365,"channel":0,"num_words":7,"start":16.975,"end":19.075},{"sentences":[{"text":"Alright.","start":19.145,"end":19.465,"sentiment":"neutral","sentiment_score":0.21402153372764587},{"text":"Not a problem.","start":19.465,"end":20.025,"sentiment":"neutral","sentiment_score":0.18768343329429626},{"text":"In 321, you have Sue.","start":20.025,"end":21.805,"sentiment":"neutral","sentiment_score":0.07370665222406388}],"sentiment":"neutral","sentiment_score":0.1272894549700949,"channel":1,"num_words":9,"start":19.145,"end":21.805},{"sentences":[{"text":"Good afternoon, Sue.","start":23.455,"end":24.654999,"sentiment":"neutral","sentiment_score":0.25598711768786114},{"text":"You've reached Tommy, senior adviser.","start":24.654999,"end":26.255001,"sentiment":"neutral","sentiment_score":0.1911713182926178},{"text":"How are you doing?","start":26.255001,"end":26.97,"sentiment":"neutral","sentiment_score":0.16974135860800743}],"sentiment":"neutral","sentiment_score":0.20023194824655852,"channel":0,"num_words":12,"start":23.455,"end":26.97},{"sentences":[{"text":"Good.","start":27.385,"end":27.705,"sentiment":"neutral","sentiment_score":0.27179986238479614},{"text":"How are you going?","start":27.705,"end":28.685001,"sentiment":"neutral","sentiment_score":0.24433598667383194}],"sentiment":"neutral","sentiment_score":0.24982876181602479,"channel":1,"num_words":5,"start":27.385,"end":28.685001},{"sentences":[{"text":"I'm living the dream.","start":28.97,"end":29.93,"sentiment":"positive","sentiment_score":0.5995035171508789},{"text":"It's a beautiful day on the Gold Coast.","start":29.93,"end":31.449999,"sentiment":"positive","sentiment_score":0.6081744506955147},{"text":"What about your end?","start":31.449999,"end":32.59,"sentiment":"neutral","sentiment_score":0.10488012060523033}],"sentiment":"positive","sentiment_score":0.48018313478678465,"channel":0,"num_words":16,"start":28.97,"end":32.59},{"sentences":[{"text":"Oh, it's a little cold today, and I don't like the cold.","start":32.68,"end":35.66,"sentiment":"neutral","sentiment_score":-0.13992345767716566}],"sentiment":"neutral","sentiment_score":-0.13992345767716566,"channel":1,"num_words":12,"start":32.68,"end":35.66},{"sentences":[{"text":"It is, isn't","start":36.329998,"end":37.129997,"sentiment":"neutral","sentiment_score":-0.0645064115524292}],"sentiment":"neutral","sentiment_score":-0.0645064115524292,"channel":0,"num_words":3,"start":36.329998,"end":37.129997},{"sentences":[{"text":"But","start":37.0,"end":37.239998,"sentiment":"neutral","sentiment_score":-0.05265406519174576}],"sentiment":"neutral","sentiment_score":-0.05265406519174576,"channel":1,"num_words":1,"start":37.0,"end":37.239998},{"sentences":[{"text":"it?","start":37.129997,"end":37.29,"sentiment":"neutral","sentiment_score":-0.030397780239582065}],"sentiment":"neutral","sentiment_score":-0.030397780239582065,"channel":0,"num_words":1,"start":37.129997,"end":37.29},{"sentences":[{"text":"that's","start":37.239998,"end":37.739998,"sentiment":"neutral","sentiment_score":-0.03578084334731102}],"sentiment":"neutral","sentiment_score":-0.03578084334731102,"channel":1,"num_words":1,"start":37.239998,"end":37.739998},{"sentences":[{"text":"It seems to be chopping and changing a lot lately, hasn't","start":37.29,"end":40.035,"sentiment":"neutral","sentiment_score":-0.09216618605635384}],"sentiment":"neutral","sentiment_score":-0.09216618605635384,"channel":0,"num_words":11,"start":37.29,"end":40.035},{"sentences":[{"text":"it's yeah.","start":40.12,"end":41.08,"sentiment":"neutral","sentiment_score":-0.08902202546596527},{"text":"But that's so tiny.","start":41.08,"end":42.2,"sentiment":"neutral","sentiment_score":-0.10290559753775597},{"text":"It's coming into this good part of the year, so I can't complain.","start":42.2,"end":45.225,"sentiment":"neutral","sentiment_score":0.08982046177754036}],"sentiment":"neutral","sentiment_score":0.03042102958026685,"channel":1,"num_words":19,"start":40.12,"end":45.225},{"sentences":[{"text":"it?","start":45.955,"end":46.035,"sentiment":"neutral","sentiment_score":0.01214953325688839},{"text":"Fair enough.","start":46.035,"end":46.755,"sentiment":"neutral","sentiment_score":0.10131319612264633},{"text":"And thank you so much for calling back in so quickly.","start":46.755,"end":48.915,"sentiment":"positive","sentiment_score":0.3772501362995668},{"text":"I","start":48.915,"end":49.075,"sentiment":"neutral","sentiment_score":-0.06030534580349922}],"sentiment":"neutral","sentiment_score":0.28694813859959445,"channel":0,"num_words":15,"start":45.955,"end":49.075},{"sentences":[{"text":"No.","start":49.045,"end":49.545,"sentiment":"neutral","sentiment_score":-0.14610600471496582}],"sentiment":"neutral","sentiment_score":-0.14610600471496582,"channel":1,"num_words":1,"start":49.045,"end":49.545},{"sentences":[{"text":"do appreciate 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the weird thing, though, is if I just keep people from panicking, we can tend to very easily average things out over a long period of time and get some really good outcomes.","start":1103.37,"end":1113.39,"sentiment":"neutral","sentiment_score":0.054402787621845215},{"text":"And if people","start":1113.745,"end":1114.465,"sentiment":"neutral","sentiment_score":0.02388056367635727}],"sentiment":"neutral","sentiment_score":0.05192801270734619,"channel":0,"num_words":37,"start":1103.37,"end":1114.465},{"sentences":[{"text":"Yeah.","start":1114.0651,"end":1114.305,"sentiment":"neutral","sentiment_score":0.04893383011221886},{"text":"Yeah.","start":1114.305,"end":1114.805,"sentiment":"neutral","sentiment_score":0.10326356440782548}],"sentiment":"neutral","sentiment_score":0.07609869726002216,"channel":1,"num_words":2,"start":1114.0651,"end":1114.805},{"sentences":[{"text":"just don't panic and and run around screaming in the streets, they tend to benefit very, very 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is.","start":1137.99,"end":1143.725,"sentiment":"neutral","sentiment_score":-0.08007966061787945},{"text":"And, yeah, hats off to you guys doing that personally.","start":1143.725,"end":1147.025,"sentiment":"neutral","sentiment_score":-0.0035042735747992998}],"sentiment":"neutral","sentiment_score":-0.0428696726005347,"channel":1,"num_words":42,"start":1133.5099,"end":1147.025},{"sentences":[{"text":"Well, thank you.","start":1146.635,"end":1147.675,"sentiment":"neutral","sentiment_score":0.10331513732671738},{"text":"And you're right.","start":1147.675,"end":1148.475,"sentiment":"neutral","sentiment_score":0.034717485308647156},{"text":"It's more intense.","start":1148.475,"end":1149.355,"sentiment":"neutral","sentiment_score":-0.03437161445617676},{"text":"There's a lot more moving we've got to do, but some of the most relaxed people I've seen are just oblivious to the world.","start":1149.355,"end":1155.4199,"sentiment":"neutral","sentiment_score":-0.07584115769714117},{"text":"They never go online.","start":1155.4199,"end":1156.2999,"sentiment":"neutral","sentiment_score":-0.10509659722447395}],"sentiment":"neutral","sentiment_score":-0.05215111213761407,"channel":0,"num_words":37,"start":1146.635,"end":1156.2999},{"sentences":[{"text":"They never see the news.","start":1156.2999,"end":1157.34,"sentiment":"neutral","sentiment_score":-0.10111527740955353},{"text":"They never panic.","start":1157.34,"end":1158.14,"sentiment":"neutral","sentiment_score":-0.09502087036768596},{"text":"They don't know, and then everything works out alright.","start":1158.14,"end":1160.7999,"sentiment":"neutral","sentiment_score":-0.04719011692537202}],"sentiment":"neutral","sentiment_score":-0.0714911794399514,"channel":0,"num_words":17,"start":1156.2999,"end":1160.7999},{"sentences":[{"text":"And and I also think I am I don't have enough information to know the real ins and outs.","start":1161.27,"end":1166.385,"sentiment":"neutral","sentiment_score":-0.12439215928316116},{"text":"You know, people can save things, but there's a lot more moving parts than just don't buy those shares or buy that middle.","start":1166.465,"end":1172.805,"sentiment":"neutral","sentiment_score":-0.11218160131703252},{"text":"It is a lot more to it than that.","start":1173.345,"end":1175.285,"sentiment":"neutral","sentiment_score":-0.14554027219613394},{"text":"It's not my thing.","start":1175.665,"end":1176.705,"sentiment":"neutral","sentiment_score":-0.21679387614130974},{"text":"So that's why I employ people like you.","start":1176.705,"end":1179.4451,"sentiment":"neutral","sentiment_score":-0.04318695701658726}],"sentiment":"neutral","sentiment_score":-0.11851049947833257,"channel":1,"num_words":63,"start":1161.27,"end":1179.4451},{"sentences":[{"text":"Oh, exactly right.","start":1181.51,"end":1182.8099,"sentiment":"neutral","sentiment_score":0.04742057807743549},{"text":"So it has been an absolute pleasure as always.","start":1183.19,"end":1185.51,"sentiment":"positive","sentiment_score":0.899157702922821},{"text":"If you need anything at all, please let us know.","start":1185.51,"end":1188.01,"sentiment":"positive","sentiment_score":0.4095329910516739},{"text":"Jack will be there for you on Tuesday afternoon.","start":1189.4299,"end":1191.9299,"sentiment":"positive","sentiment_score":0.34054548541704815},{"text":"And if anything pops","start":1192.325,"end":1193.145,"sentiment":"neutral","sentiment_score":0.16374604776501656}],"sentiment":"positive","sentiment_score":0.45856870088194096,"channel":0,"num_words":35,"start":1181.51,"end":1193.145},{"sentences":[{"text":"Yep.","start":1192.8899,"end":1193.3899,"sentiment":"neutral","sentiment_score":0.11159351468086244}],"sentiment":"neutral","sentiment_score":0.11159351468086244,"channel":1,"num_words":1,"start":1192.8899,"end":1193.3899},{"sentences":[{"text":"up, just give us a bell.","start":1193.445,"end":1195.065,"sentiment":"neutral","sentiment_score":0.14014536514878273}],"sentiment":"neutral","sentiment_score":0.14014536514878273,"channel":0,"num_words":6,"start":1193.445,"end":1195.065},{"sentences":[{"text":"Yeah.","start":1195.255,"end":1195.495,"sentiment":"neutral","sentiment_score":0.24081218242645264},{"text":"Will do.","start":1195.495,"end":1195.9751,"sentiment":"positive","sentiment_score":0.34597519040107727},{"text":"No worries.","start":1195.9751,"end":1196.4551,"sentiment":"positive","sentiment_score":0.4198301136493683},{"text":"I appreciate your help.","start":1196.4551,"end":1197.3351,"sentiment":"positive","sentiment_score":0.7623481303453445},{"text":"Thank you so much.","start":1197.3351,"end":1198.3151,"sentiment":"positive","sentiment_score":0.8558384627103806}],"sentiment":"positive","sentiment_score":0.6342437817500188,"channel":1,"num_words":13,"start":1195.255,"end":1198.3151},{"sentences":[{"text":"No worries.","start":1198.805,"end":1199.285,"sentiment":"positive","sentiment_score":0.5468940287828445},{"text":"Have a fantastic day.","start":1199.285,"end":1200.585,"sentiment":"positive","sentiment_score":0.7641847431659698}],"sentiment":"positive","sentiment_score":0.6917545050382614,"channel":0,"num_words":6,"start":1198.805,"end":1200.585},{"sentences":[{"text":"Thanks.","start":1200.855,"end":1201.175,"sentiment":"positive","sentiment_score":0.7790482640266418},{"text":"You too.","start":1201.175,"end":1201.895,"sentiment":"positive","sentiment_score":0.6034511923789978},{"text":"Bye.","start":1201.895,"end":1202.395,"sentiment":"positive","sentiment_score":0.37440919876098633}],"sentiment":"positive","sentiment_score":0.590089961886406,"channel":1,"num_words":4,"start":1200.855,"end":1202.395},{"sentences":[{"text":"Bye.","start":1202.565,"end":1203.065,"sentiment":"neutral","sentiment_score":-0.09723993390798567}],"sentiment":"neutral","sentiment_score":-0.09723993390798567,"channel":0,"num_words":1,"start":1202.565,"end":1203.065}]},"summary":{"result":"success","short":"A senior adviser, Sue, discusses the customer's financial situation and advises on investment strategies. She emphasizes the importance of maintaining a low fee rate and replacing underperforming investments with newer ones. The agent recommends a growth strategy and a premium growth rate, and provides information on life insurance policies and beneficiary allocations. The agent emphasizes the importance of avoiding panic and mental health and offers to provide instructions on completing personal statements and health questions. The call ends with pleasantries."},"intents":{"segments":[{"text":"So what I've got for you here today is I've got an email to send to your BigPond with the updated advice strategies that we were talking about.","start_word":175,"end_word":202,"intents":[{"intent":"Receive advice strategies","confidence_score":0.0045013037}]},{"text":"So I request sign document. Click the star. Oh, signature.","start_word":484,"end_word":493,"intents":[{"intent":"Request document","confidence_score":0.0066659558}]},{"text":"Past that point, we have factored in $50 a week of salary sacrifice, if you're still comfortable with that, just to see what impact that would have on this as well. Yep.","start_word":656,"end_word":687,"intents":[{"intent":"Explore impact","confidence_score":0.00021451511}]},{"text":"In terms of the fee comparison table on 15, can you see yeah. that sort of blue table with the current recommended? 15. Sorry.","start_word":1080,"end_word":1103,"intents":[{"intent":"Share fee comparison table","confidence_score":0.00000429524}]},{"text":"You see what all your golds and and some really good info sorry, European shares and things like that being mixed in. At the very bottom of the table, that's your new option to replace the underperforming one. Austenity Australian shares is the one that we found for you. Right. Okay. Sure. 10% less fees and has outperformed the Australian market over one three five in ten years. So as Okay.","start_word":1377,"end_word":1447,"intents":[{"intent":"Compare investments","confidence_score":0.007990533}]},{"text":"We've recommended 6,300, Yep. and your maximum now is 6,800 with your new Yep. income. So just checking that 6,300 would still be enough to cover expenses and everything. You didn't wanna increase it again or just go from the 4.5 That's to Cool.","start_word":1765,"end_word":1808,"intents":[{"intent":"Define coverage range","confidence_score":0.0000016728471}]},{"text":"Just make it a bit smoother because you know what insurance companies could be like. Absolutely.","start_word":2056,"end_word":2071,"intents":[{"intent":"Evaluate insurance policies","confidence_score":0.010104577}]},{"text":"So what I'll do is I'll book in for the personal statement, 03:30PM. Booking.","start_word":2604,"end_word":2617,"intents":[{"intent":"Book personal statement and id","confidence_score":0.00020672419}]},{"text":"And we'll send you a reminder text a couple of hours beforehand. Perfect.","start_word":2730,"end_word":2742,"intents":[{"intent":"Send reminder text","confidence_score":0.29811087}]},{"text":"The market is so must be so difficult. That's what that's what gets me. So Yeah.","start_word":2821,"end_word":2836,"intents":[{"intent":"Evaluate market trends","confidence_score":0.015072807}]}]},"sentiments":{"segments":[{"text":"Straight after this one. Hi, Tommy. Hello, Samantha? Have you got Sue for me? Yes. I've got Sue. She has passed security. Are you ready for her? Yes.","start_word":0,"end_word":27,"sentiment":"neutral","sentiment_score":0.056309837847948074},{"text":"Absolutely. Perfect. She seems to be in a very cheery mood. Okay. Love that. Thank you so much.","start_word":28,"end_word":45,"sentiment":"positive","sentiment_score":0.6979855895042419},{"text":"Alright. Not a problem. In 321, you have Sue. Good afternoon, Sue. You've reached Tommy, senior adviser. How are you doing? Good. How are you going?","start_word":46,"end_word":71,"sentiment":"neutral","sentiment_score":0.19050534069538116},{"text":"I'm living the dream. It's a beautiful day on the Gold Coast.","start_word":72,"end_word":83,"sentiment":"positive","sentiment_score":0.6011148691177368},{"text":"What about your end? Oh, it's a little cold today, and I don't like the cold. It is, isn't But it? that's It seems to be chopping and changing a lot lately, hasn't it's yeah. But that's so tiny. It's coming into this good part of the year, so I can't complain. it? Fair enough.","start_word":84,"end_word":138,"sentiment":"neutral","sentiment_score":-0.04403579980134964},{"text":"And thank you so much for calling back in so quickly.","start_word":139,"end_word":149,"sentiment":"positive","sentiment_score":0.37940582633018494},{"text":"I No. do appreciate that. No. I just got to I just got to an inflection too late, so I apologize. That's no at all. So what I've got for you here today is I've got an email to send to your BigPond with the updated advice strategies that we were talking about. Yep. Will you to look onto it with me today, Cool. or should Yep. I just walk you through it? No. I'm it should be okay. I do think I should be fine. Cool.","start_word":150,"end_word":236,"sentiment":"neutral","sentiment_score":0.013318272307515144},{"text":"Awesome.","start_word":237,"end_word":237,"sentiment":"positive","sentiment_score":0.35341113805770874},{"text":"I'll pop that through now. Now please bear in mind, there is about nine documents here, so it may take a few seconds. Yep. It should go pretty quickly to your main inbox. Yep. Yep. No worries at all. And just to kinda let you know as well what's there as well, I'm gonna be going through the statement of advice with you today and the supplementary documents, Yes. but there's Yep. a lot of, like, product documents for all the providers. Yep. Some total of, like, 1,400 pages that we don't need, but it is there for you to keep on file. Sure. I get it. Bit of compliance is going to crazy levels Oh, these days. I have been doing an audit myself today to get Brooke prepared for an audit CRMS.","start_word":238,"end_word":371,"sentiment":"neutral","sentiment_score":0.04246039060291959},{"text":"Totally understand. Cool. Cool. I have attached also some quotes as well and some additional research that we conducted.","start_word":372,"end_word":390,"sentiment":"positive","sentiment_score":0.43126630783081055},{"text":"Okay. Sure. Now when you do get that email, it'll be under a statement of advice from Oakview Financial. And Yep. with that new Odoo system, there's, like, a sign that opens the documents up for us to go through Sure. together. And just let me know when you can see the Beachfront City logo on the first Yeah. No. That's fine. Let me just move. I hope I don't lose you. one. No worries Here we at go. all. Okay. Now I'll leave my time. So hopefully, I don't lose you. Okay. So I request sign document. Click the star. Oh, signature. And definitely don't sign anything yet. I just wanna kind of go through it Oh. with you. Oh, yeah. Okay. No worries. On that first one, if you can see that beachfront city, I just need you to scroll down to pages three and four for me. Yep. You should see a scope of heading. And Yep. on the three pages, you'll see a scope of advice not considered as well. Okay. Yep. Got it. Yep. So as a quick recap, we're dealing with the superannuation at the moment reviewing the investments inside there. Mhmm. Just removing some underperforming investments, and we were looking to move you up into more of a high growth approach for a little while. Yep. Insurance wise, we did do a review of your insurances. Main thing here was that you were a little bit underinsured for the income protection, Yep. and we have found some really interesting information I wanted to show you as well. Okay. Past that point, we have factored in $50 a week of salary sacrifice, if you're still comfortable with that, just to see what impact that would have on this as well. Yep. Absolutely. A few reminders for estate planning in terms of wills and powers of attorney and whatnot, and what we're not giving advice on is cash flow and Yep. debt management. So in terms of your savings, Yep. mortgage, and so on, you've got a pretty good handle on it yourself. Yep. Yeah. No problem.","start_word":391,"end_word":742,"sentiment":"neutral","sentiment_score":0.021239858491092244},{"text":"Beautiful.","start_word":743,"end_word":743,"sentiment":"positive","sentiment_score":0.5499264001846313},{"text":"So if you scroll past there, you'll see a limited advice warning saying exactly that. We're not advising on everything. There's Yep. an about you section on pages Yep. seven and eight. Can Mhmm. you just let me know if that still sounds pretty accurate in terms of the income, teacher for the correctional center, permanent part Yeah. No. Different, actually. My income's about 118, time. Yep. Perfect. and I'm permanent full time. Permanent full time.","start_word":744,"end_word":819,"sentiment":"neutral","sentiment_score":0.002904173219576478},{"text":"Perfect.","start_word":820,"end_word":820,"sentiment":"positive","sentiment_score":0.38883155584335327},{"text":"Yep. On the next page, assets and liabilities, we've got the mortgage, vehicle, the investment unit, and the offset account. Yep. Yep. Any major is there? Does that Yeah. look And alright? that look alright. That looks reasonable. Yeah. Perfect. Probably the exit value from other ones, not quite 2,000,000 anymore, but, yeah, whatever. Perfect. I know the property market's a bit up and down at the moment. God, it's so hard around here. But yep. Yep. Swing past there, you'll see your Encompass insurances on the next page, super. Yep. Risk profile on page 10, which is the difference between a growth and a high growth. Got it. Yep. Yep. Now the main info pages I wanted to run by you is page 12. After this one, there's a lot of text on this one. But after this, there's a few tables that I wanted to point out to you, and Beautiful. that'll kind of explain things a bit better. Sure. Main thing that we're doing is not only we're gonna bump your growth assets up from around about 80% of your super to 90% for the time being, we're Yep. also switching a few investments around. Again, just to try and keep that active style to outperform the market, but Mhmm. replace the sort of bad apples with some good red apples. Sure. If you go down past there, you'll see a giant table of advantages and disadvantages.","start_word":821,"end_word":1060,"sentiment":"neutral","sentiment_score":0.06876266824547202},{"text":"Thank you, friends.","start_word":1061,"end_word":1063,"sentiment":"positive","sentiment_score":0.3452993631362915},{"text":"So we recommended Yeah. this Got a bit of a side this. by Alright. So side. In terms of the fee comparison table on 15, can you see yeah. that sort of blue table with the current recommended? 15. Sorry. I went past that. Yep. So $328 is all that it would cost for capital gains tax inside the super to update Right. the investment. So it was very minimal. No concerns Okay. there.","start_word":1064,"end_word":1137,"sentiment":"neutral","sentiment_score":0.0569315105676651},{"text":"We are still going to lower the fees as well of the investments and also improve the performance, another sort of a little bit over 2% per annum for five years. That'll Mhmm. compound quite nicely, get you back into double digits. Excellent.","start_word":1138,"end_word":1180,"sentiment":"positive","sentiment_score":0.4887956976890564},{"text":"Another thing too, can you see in the very middle row under insurance premiums? Mhmm. I've I've found a policy that will give you more insurance than what you've currently got for less price overall.","start_word":1181,"end_word":1215,"sentiment":"neutral","sentiment_score":0.2016124427318573},{"text":"Fine. Thank you. That's brilliant.","start_word":1216,"end_word":1220,"sentiment":"positive","sentiment_score":0.5360873341560364},{"text":"So it will take the old application. I do apologize, but I think this is a bit of a winner. So I'll take you through that in a second. What you saw just before on the next page, projections, performance returns, all that kind of thing. Any questions so far? No. No. Cool. No. That's This one does seem look. There's a lot of figures on fine. page 17 for the investments table. 17. Yep. Well, yeah, I don't know how to send any of that, so it's all good. Main thing to point out is that second last column that says target weight percentage, you'll see Yep. a bunch of zeros and a bunch of, like, round 7%, 6%. Can you make those out? Yep. Yep. Perfect. So anything that's zero, that's what we're getting rid of. Anything that's got an amount, that's what we're either keeping or adding into the portfolio. Gotcha. Okay. You see what all your golds and and some really good info sorry, European shares and things like that being mixed in. At the very bottom of the table, that's your new option to replace the underperforming one. Austenity Australian shares is the one that we found for you. Right. Okay.","start_word":1221,"end_word":1426,"sentiment":"neutral","sentiment_score":0.07982842237191293},{"text":"Sure. 10% less fees and has outperformed the Australian market over one three five in ten years. So as Okay. opposed to what was replacing it, it's knocked it out of the park completely. Awesome.","start_word":1427,"end_word":1461,"sentiment":"positive","sentiment_score":0.5085633993148804},{"text":"Okay. If you go past there, the last thing for the super is on page 19. There's a pie chart for your asset Yes. allocation. Again, this is why I've got you guys. I don't understand, and I'm happy.","start_word":1462,"end_word":1500,"sentiment":"neutral","sentiment_score":0.10455940663814545},{"text":"Perfect.","start_word":1501,"end_word":1501,"sentiment":"positive","sentiment_score":0.5073719620704651},{"text":"Only thing I'll say here is that you need between 90 to a 100% growth assets. You're sitting at 86. We're gonna bump you up to about 94. Sure. Sure. Okay. Perfect. Salary sacrifices on the next page, that just shows you the tax differences for your take home pay. Oh, For yeah. every $100, it'll probably cost you about 68 in the take home pay. Yeah. Yeah. No.","start_word":1502,"end_word":1570,"sentiment":"neutral","sentiment_score":0.0653172954916954},{"text":"That's perfect. That's no problems at all. Amazing.","start_word":1571,"end_word":1578,"sentiment":"positive","sentiment_score":0.4408192336559296},{"text":"Now the big one here, page twenty three and twenty four is the insurances. K. Okay. So what I need to just quickly run by you, can you see the Zurich table? Yes. Alright. So Zurich is who we're recommending that gave you Mhmm. the best outcome. Yep. They've got the same feature score. So the the writing under the hood is just as good, but there's Yep. lower preference. So it's a million dollars worth of life insurance, Yep. $9.38 worth of total disability. Yep. The reason why that's on a million is because you do have that small amount of trauma cover that you're paying out of pocket That's fine. for heart attack, stroke, and cancer. Yep. Yep. That'll go down from 42 to 36 a month for the out of port costs, Yep. Okay. like for like. The income protection, you just told me that you're up to was it a 118,000? It's yeah. I'm pretty sure it's around that now. Yeah.","start_word":1579,"end_word":1743,"sentiment":"neutral","sentiment_score":0.06751590679315003},{"text":"Perfect.","start_word":1744,"end_word":1744,"sentiment":"positive","sentiment_score":0.5621397495269775},{"text":"So just for disclosure purposes, let me work that back. Done. Okay. So you're insured for 4,453 a month. Yep. We've recommended 6,300, Yep. and your maximum now is 6,800 with your new Yep. income. So just checking that 6,300 would still be enough to cover expenses and everything. You didn't wanna increase it again or just go from the 4.5 That's to Cool. fine. No. That'll be fine. Yep. It's a a solid 1,500 a week after tax in the hand, so, Yeah. hopefully, that that covers things.","start_word":1745,"end_word":1833,"sentiment":"neutral","sentiment_score":0.1356992870569229},{"text":"Absolutely. That'll be fine.","start_word":1834,"end_word":1837,"sentiment":"positive","sentiment_score":0.44380539655685425},{"text":"Cool. And we're not changing waiting period or benefit period, so it's still two years. You still gotta wait ninety days. So just please bear in mind sick leave, Yep. savings, and everything. Yep. Yep. Sure.","start_word":1838,"end_word":1873,"sentiment":"neutral","sentiment_score":0.026334090158343315},{"text":"Beautiful.","start_word":1874,"end_word":1874,"sentiment":"positive","sentiment_score":0.45543548464775085},{"text":"Everything else after that is basically how we arrived at those figures. Life and TV were fine, some insurance impact. I'm skipping quite far down now to page 32, but if we replace your Encompass with Zurich, you need to put in place a beneficiary nomination for the new life Okay. insurance policy. Yep. Cool. Cool. And I'm assuming you still want your partner listed as the Yes, beneficiary? ma'am. Yep. Easy done. And a couple of minors on wills, powers of attorney, and we've reiterated fees and commissions at the bottom. Anytime Yep. we put in place a policy with any provider, they do pay us 66 percent of the first year's premiums and 22% ongoing to manage it with you, give you further advice, and help you with claims.","start_word":1875,"end_word":2005,"sentiment":"neutral","sentiment_score":0.1134934276342392},{"text":"That's a nice percentage. That's cool.","start_word":2006,"end_word":2011,"sentiment":"positive","sentiment_score":0.5503478646278381},{"text":"Yeah. No problem. If anything ever does happen to you, go off of it, we're probably not the first people to call, but we'd hope to be the second because we can launch claims packs. We can help you through the process, Yep. Just make it a bit smoother because you know what insurance companies could be like.","start_word":2012,"end_word":2069,"sentiment":"neutral","sentiment_score":0.14334445857796177},{"text":"Absolutely.","start_word":2070,"end_word":2070,"sentiment":"positive","sentiment_score":0.363808274269104},{"text":"And that's pretty much it. Any questions at this point? No. Not all looks good. Cool. So for this one, the only document to sign through, at the bottom, there's an authority to proceed or there's little button saying begin or start, whatever it is. There's a signature box and a date box that'll stamp in there for you, but there's Yep. also a a text box just above it. And Yep. if you could just type into that n slash a, like, not applicable, if you are happy with all the recommendations. Yep. Sure. And slash a. Yep. Done.","start_word":2071,"end_word":2170,"sentiment":"neutral","sentiment_score":0.07709897309541702},{"text":"Cool.","start_word":2171,"end_word":2171,"sentiment":"positive","sentiment_score":0.37859123945236206},{"text":"Now it should allow you to basically just keep clicking the button to skip through the documents and go to the next Yes. ones. Yep. Next document. I've Oh, I see. only added a Got signature it. Yeah. for the quote. And that's Zurich one. Yeah. Click to start. Yeah. Yep. Please. Sweet. Okay. Oh, god. It's so cool.","start_word":2172,"end_word":2230,"sentiment":"neutral","sentiment_score":0.09459815174341202},{"text":"My phone's not good.","start_word":2231,"end_word":2234,"sentiment":"negative","sentiment_score":-0.387094110250473},{"text":"Today's date. Next. Next. Next. Next. Next. And validate. Happy with that. Perfect. From here, for the new policy, we won't cancel the existing one until the new one's in place just in case if anything pops up health wise, that may cause Yes. a concern. From here, I need to get you in for the personal statement to actually go through the questions, Mhmm. health questions, occupation for the insurer. Is there a day and time that you would have about twenty minutes available for Whenever. It doesn't really go to me. that? Perfect. So while I'm just grabbing up the appointment calendar, I'm just gonna quickly check your ID as well because I have Sure. to certify it for any applications. Mhmm. I believe it's in date. I'll just double check. Please bear with me for one moment. No. You're right. She's still the validation's still loading for some reason, Yeah. but That little circle. Because there's so many documents, sometimes it takes got you.","start_word":2235,"end_word":2401,"sentiment":"neutral","sentiment_score":0.013197379443281424},{"text":"Perfect.","start_word":2402,"end_word":2402,"sentiment":"positive","sentiment_score":0.541670560836792},{"text":"two minutes. K. Certified ID on file. Alright. So we have your expiry as actually, the last one that we've got expired in 2024. So if it's okay with you, what we normally do is just send, like, a text message. Yep. And if you can reply with usual sort of clear photo, front and Sure. back of the license, it'll have some instructions in the message, but we need Not to sort a problem. it by that one. Yeah. Of course. And then for the application, let's have a quick look. Would you prefer morning or afternoon, Sue? Probably afternoon with work. Afternoon a bit better? Yep. Let's go for Tuesday afternoon. That would probably be the most availability. Now I'm just very conscious of the old daylight. That's not kicking in for a couple of weeks, is it? No. No. It doesn't kick in until first week in October. That's right. First Sunday of October. I didn't wanna mess that one up. So on September 15, we can pretty much do one, two, or 3PM. Let's do 3PM. I finished work at three, so Would you prefer three third? 03:30 would be actually be better. Yeah, please.","start_word":2403,"end_word":2601,"sentiment":"neutral","sentiment_score":0.03726287558674812},{"text":"Beautiful.","start_word":2602,"end_word":2602,"sentiment":"positive","sentiment_score":0.4250999093055725},{"text":"Alrighty. So what I'll do is I'll book in for the personal statement, 03:30PM. Booking. We'll just make sure that we get the ID before that so we can send it all together. Usually, it does only take about twenty minutes. Please bear in mind, it will be health questions and things like that. We will Yep. try and grab all the information that we did previously for the last application and use that as a starting point. Yep. Sure. No problem. From that point, if anything comes back from the insurers, they'll let you know straight away, and you Yep. might get booked in for a bit of a follow-up just to go Of course. options with you. And that'll be 03:30PM. Personal statement is done. And we'll send you a reminder text a couple of hours beforehand.","start_word":2603,"end_word":2741,"sentiment":"neutral","sentiment_score":0.11225227266550064},{"text":"Perfect. Amazing. Beautiful.","start_word":2742,"end_word":2744,"sentiment":"positive","sentiment_score":0.559147447347641},{"text":"Any questions for me, sir? None whatsoever.","start_word":2745,"end_word":2751,"sentiment":"neutral","sentiment_score":0.08881872892379761},{"text":"Awesome. You are amazing.","start_word":2752,"end_word":2755,"sentiment":"positive","sentiment_score":0.573878288269043},{"text":"No. Thank you so much for your time. No. You are. Look.","start_word":2756,"end_word":2767,"sentiment":"neutral","sentiment_score":0.21507799625396729},{"text":"I appreciate I love it.","start_word":2768,"end_word":2772,"sentiment":"positive","sentiment_score":0.4560680389404297},{"text":"what I know I do, how you but do it all. look. Honestly, it's a strange personal interest of just look. Insurance isn't my favorite. But investing and improving people's positions is I've been doing it for twelve years now, so Alright. still enjoy That it. is crazy. The market is so must be so difficult. That's what that's what gets me. So Yeah. You but know, anyway. the weird thing, though, is if I just keep people from panicking, we can tend to very easily average things out over a long period of time and get some really good outcomes. And if people Yeah. Yeah. just don't panic and and run around screaming in the streets, they tend to benefit very, very well. So it's Yeah. a bit more of a psychological patience thing more than Oh, just yeah. the technical Okay. side. Oh, I just think just so you know, this happening and this happening, especially in today's climate. I think, you know Yeah. I don't know. Just go, you know, people say, go, people say, oh, people moving stocks. You know? Just like it seems very probably, a lot more intense than it normally is. And, yeah, hats off to you guys doing that personally. Well, thank you. And you're right. It's more intense. There's a lot more moving we've got to do, but some of the most relaxed people I've seen are just oblivious to the world. They never go online. They never see the news. They never panic. They don't know, and then everything works out alright. And and I also think I am I don't have enough information to know the real ins and outs. You know, people can save things, but there's a lot more moving parts than just don't buy those shares or buy that middle. It is a lot more to it than that. It's not my thing. So that's why I employ people like you. Oh, exactly right.","start_word":2773,"end_word":3100,"sentiment":"neutral","sentiment_score":-0.029876835644245148},{"text":"So it has been an absolute pleasure as always. If you need anything at all, please let us know. Jack will be there for you on Tuesday afternoon.","start_word":3101,"end_word":3128,"sentiment":"positive","sentiment_score":0.5413185954093933},{"text":"And if anything pops Yep. up, just give us a bell. Yeah.","start_word":3129,"end_word":3140,"sentiment":"neutral","sentiment_score":0.15140220522880554},{"text":"Will do. No worries. I appreciate your help. Thank you so much. No worries. Have a fantastic day. Thanks. You too. Bye.","start_word":3141,"end_word":3162,"sentiment":"positive","sentiment_score":0.6421148777008057},{"text":"Bye.","start_word":3163,"end_word":3163,"sentiment":"neutral","sentiment_score":0.23292109370231628}],"average":{"sentiment":"neutral","sentiment_score":0.0869140424578077}}}}