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18e9131e9a224f05ad095f7d228cd6c8
client
2023-09-27T15:01:50.538462+00:00
Alright, I appreciate your efforts, Adline. Thank you for your help.
18e9131e9a224f05ad095f7d228cd6c8
agent
2023-09-27T15:01:55.615385+00:00
You're welcome, Annamae. Is there anything else I can assist you with today?
18e9131e9a224f05ad095f7d228cd6c8
client
2023-09-27T15:02:01.615385+00:00
No, that's all for now. Thank you again.
18e9131e9a224f05ad095f7d228cd6c8
agent
2023-09-27T15:02:05.307693+00:00
You're welcome. Have a great day, Annamae.
fed1c785d8d544148659b26befd23a92
agent
2023-09-09T13:35:08+00:00
Good morning, thank you for holding. My name is Madge and I'm a wealth management advisor with Union Financial. How can I assist you today?
fed1c785d8d544148659b26befd23a92
agent
2023-09-09T13:35:19.538462+00:00
Of course, Jeraldine. Can you please provide me with your account number so I can access your information?
fed1c785d8d544148659b26befd23a92
client
2023-09-09T13:35:27.846154+00:00
Sure, it's XXXXXXX.
fed1c785d8d544148659b26befd23a92
agent
2023-09-09T13:35:29.230769+00:00
Thank you. Now, what specific questions do you have regarding your portfolio?
fed1c785d8d544148659b26befd23a92
client
2023-09-09T13:35:34.769231+00:00
Well, I noticed that one of my investments has decreased in value significantly. Can you explain why that happened?
fed1c785d8d544148659b26befd23a92
agent
2023-09-09T13:35:43.538462+00:00
Certainly. The investment you're referring to is a stock that has indeed seen a decline in value over the past quarter. This is due to a few of factors, including market volatility and a downturn in the industry sector. However, it's important to keep in mind that the stock market can be unpredictable, and this always recommend a long-term perspective when it comes to investing.
fed1c785d8d544148659b26befd23a92
client
2023-09-09T13:36:13.538462+00:00
Okay, that makes sense. But what can I do to minimize my losses?
fed1c785d8d544148659b26befd23a92
agent
2023-09-09T13:36:19.538462+00:00
There are a few options we could consider. One possibility is to diverslocate some of your funds to a more stable investment, such as bonds or a money market fund. Another option would to doll onto the stock and wait for it to rebound, which it may do over time. We can also explore other investment opportunities that align with your risk tolerance and financial goals.
fed1c785d8d544148659b26befd23a92
client
2023-09-09T13:36:50+00:00
That sounds good. Can you also explain the fees associated with these different options?
fed1c785d8d544148659b26befd23a92
agent
2023-09-09T13:36:56.461538+00:00
Absolutely. The fees for reallocating your funds into a different investment will depend on the specific product and the amount you choose to invest. For example, bond fees typically range from 0.5% to 2% perually, while money market funds usually have a small management fee. If you decide to hold onto the stock and wait for it to rebound, there wouldn't be any additional fees associated with that approach.
fed1c785d8d544148659b26befd23a92
client
2023-09-09T13:37:28.307692+00:00
Okay's helpful. I think I need to do some more research before making a decision. Can you send me some information on the different investment options and their associated fees?
fed1c785d8d544148659b26befd23a92
agent
2023-09-09T13:37:42.153846+00:00
Yes course, Jeraldine. I'll put together a package of information and send it to you via email. In the meantime, if you have any further questions or concerns, please don't hesitate to reach out to me directly.
fed1c785d8d544148659b26befd23a92
client
2023-09-09T13:37:59.230769+00:00
Sounds great, thank you Madge.
fed1c785d8d544148659b26befd23a92
agent
2023-09-09T13:38:01.538461+00:00
You're welcome, Jeraldine. Thank you for choosing Union Financial for your wealth management needs. Is there anything else I can assist you with today?
fed1c785d8d544148659b26befd23a92
client
2023-09-09T13:38:12.615384+00:00
No, that's all for now. Thanks again.
fed1c785d8d544148659b26befd23a92
agent
2023-09-09T13:38:15.846153+00:00
You're welcome. Have a great day, Jeraldine.
fed1c785d8d544148659b26befd23a92
client
2023-09-09T13:38:19.076922+00:00
You too, thanksge. Bye for now.
fed1c785d8d544148659b26befd23a92
agent
2023-09-09T13:38:21.846153+00:00
Bybye.
9d218d0329d94de69434e72d11f673e6
agent
2023-09-17T14:56:40+00:00
Hello, thank you for calling Union Financial. My name is Winnifred, how can I assist you today?
9d218d0329d94de69434e72d11f673e6
client
2023-09-17T14:56:47.846154+00:00
Hi Winnifred, my'm calling because I'd like to set some financial goals for myself. Can you help me with that?
9d218d0329d94de69434e72d11f673e6
agent
2023-09-17T14:56:57.076923+00:00
Of course, Scarlet! We's great that you're thinking ahead. Before we begin, may I have your full name and account number, please?
9d218d0329d94de69434e72d11f673e6
client
2023-09-17T14:57:07.230769+00:00
Sure, my name is Scarlet Smith and my account number is 1234567890.
9d218d0329d94de69434e72d11f673e6
agent
2023-09-17T14:57:12.769231+00:00
Thank you, Scarlet. Now, let's start by discussing what kind of financial goals you have in mind. Are you looking to save for a specific purchase, such as a home or car? Or perhaps you looking to invest for long-term growth?
9d218d0329d94de69434e72d11f673e6
client
2023-09-17T14:57:31.692308+00:00
Well, I'm actually looking to save up for a down payment on a house. I've been renting for a while now and I'd like like to own my own place.
9d218d0329d94de69434e72d11f673e6
agent
2023-09-17T14:57:45.538462+00:00
That's a great goal to have! Let's talk about how much you'll need for a down payment and what kind of timeline you're working with. Have you done any research on the current housing market in your area?
9d218d0329d94de69434e72d11f673e6
client
2023-09-17T14:58:03.076924+00:00
Yeah, I've looked around a bit. From what I've seen, it looks like I'll need at least $20,000 for a down payment. And I'd like to have that amount saved up within the next two years.
9d218d0329d94de69434e72d11f673e6
agent
2023-09-17T14:58:19.692309+00:00
Okay, that sounds like a good plan. Based on what you've told me, it seems like you'll need to save about $133 per month for the next years to reach your goal. Is that something you think you can manage?
9d218d0329d94de69434e72d11f673e6
client
2023-09-17T14:58:38.153847+00:00
Hmm, that's a bit more than I was hoping to save each month. But I guess it's doable. Can you help me come up with a plan to make sure I stick to it amount?
9d218d0329d94de69434e72d11f673e6
agent
2023-09-17T14:58:54.307693+00:00
Absolutely! One option would be to set up an automatic transfer from your checking account to your savings account each month. That way, you'll ensure that you're setting aside the amount you need without having to think about it every month. Would you like me to set that up for you?
9d218d0329d94de69434e72d11f673e6
client
2023-09-17T14:59:17.846155+00:00
Yes, that would be great. Thank you, Winnifred!
9d218d0329d94de69434e72d11f673e6
agent
2023-09-17T14:59:21.538463+00:00
You're welcome, Scarlet. Is there anything else I can assist you with today?
9d218d0329d94de69434e72d11f673e6
client
2023-09-17T14:59:27.538463+00:00
Actually, that's all for now. Thanks again for your help!
9d218d0329d94de69434e72d11f673e6
agent
2023-09-17T14:59:32.153848+00:00
You're welcome, Scarlet. Have a great day!
28ca5bd1cb9b4958b83b43ddb7ec93d4
agent
2023-09-04T12:42:42+00:00
Good you for holding, Mr name is Ritchie and I'll be happy to assist you today. Can you please tell me your name and the reason for your call?
28ca5bd1cb9b4958b83b43ddb7ec93d4
client
2023-09-04T12:42:55.384615+00:00
Hi Ritchie, my name is Ferdinand and I'm calling about Social security benefits planning. IRitchie: Great, thank. I'd be happy to help you with that. Before we begin, can you please verify your identity by providing your last four digits of your social security number?
28ca5bd1cb9b4958b83b43ddb7ec93d4
client
2023-09-04T12:43:16.153846+00:00
Sure, it's XX-XXXX-XXXX-1234.
28ca5bd1cb9b4958b83b43ddb7ec93d4
agent
2023-09-04T12:43:17.538461+00:00
Thank you, Ferdinand. I, regarding your question about social security benefits planning, can you tell me a little bit more about what you're looking for? Are you lookinging retirement age or are you looking to understand how your benefits will be affected by a change in your income or employment status?
28ca5bd1cb9b4958b83b43ddb7ec93d4
client
2023-09-04T12:43:41.076923+00:00
Yes, I'm actually already retired and receiving benefits, but I'm concerned about how my wife's benefits will be affected when she retires in a few years. We're both currently 65 and I want to make sure we're making the most of our benefits.
28ca5bd1cb9b4958b83b43ddb7ec93d4
agent
2023-09-04T12:44:00.923077+00:00
That's great that you're thinking ahead, Ferdinand! In this case, I can definitely help you understand how your wife's benefits will be affecteded when she retires. Have you considered creating a my Social Security account on the SSA website? This will allow you to view your wife's projected benefits and also give you the ability to estimate your own benefits based on different scenarios.
28ca5bd1cb9b4958b83b43ddb7ec93d4
client
2023-09-04T12:44:30.461539+00:00
No, I wasn't aware of that. Can you walk me through how to create an account and what information I'll need?
28ca5bd1cb9b4958b83b43ddb7ec93d4
agent
2023-09-04T12:44:40.153847+00:00
Of course! To create an account, you'll need to go to the SSA website and click on "my Social Security" in the top right corner. From there, you'll be prompted to enter some personal information such as your social security number, date of birth, and mailing address. Once you've completed the registration process, you'll have access to all sorts of useful tools and resources related
28ca5bd1cb9b4958b83b43ddb7ec93d4
client
2023-09-04T12:45:10.153847+00:00
Okay, that sounds easy enough. But kind of information will I need to provide to estimate our benefits?
28ca5bd1cb9b4958b83b43ddb7ec93d4
agent
2023-09-04T12:45:18.461539+00:00
You'll need to provide some basic information about yourself and your wife, such as your names, social security numbers, and work history. The website will guide you through a series of questions to help you estimate your benefits. It's important to note that these is just an estimate and and your actual benefits may vary depending on various variety of factors.
28ca5bd1cb9b4958b83b43ddb7ec93d4
client
2023-09-04T12:45:46.615385+00:00
Alright, I think I understand. What what if I have questions or concerns about our benefits once I've created the account and estimated our benefits?
28ca5bd1cb9b4958b83b43ddb7ec93d4
agent
2023-09-04T12:45:58.153847+00:00
If you have any further questions or concerns, you can always contact the Social Security Administration directly for reach out to a financial advisor like myself here at Union Financial. We'd be happy to help answer any questions you might have and provide guidance on how to maximize your benefits.
28ca5bd1cb9b4958b83b43ddb7ec93d4
client
2023-09-04T12:46:21.230770+00:00
That's great to know. Thank you so much for your help, Ritchie.
28ca5bd1cb9b4958b83b43ddb7ec93d4
agent
2023-09-04T12:46:26.769232+00:00
You're welcome, Ferdinand. Is there anything else I can assist you with today?
28ca5bd1cb9b4958b83b43ddb7ec93d4
client
2023-09-04T12:46:32.769232+00:00
No, that was all I had. Thanks again!
28ca5bd1cb9b4958b83b43ddb7ec93d4
agent
2023-09-04T12:46:36.461540+00:00
You're welcome. Just a quick reminder before we end this call, we value your feedback and would appreciate it if you could take a moment to complete a short survey regarding your experience today. Your survey link will be sent to your email address shortly. Thank you for choosing Union Financial, and have a great day!
28ca5bd1cb9b4958b83b43ddb7ec93d4
client
2023-09-04T12:47:02.307694+00:00
Sounds good, thanks!
28ca5bd1cb9b4958b83b43ddb7ec93d4
agent
2023-09-04T12:47:03.692309+00:00
Thank you, Ferdinand. Have a great day!
5885f946177745ffbe577226954165dc
agent
2023-09-08T10:16:30+00:00
Hi there this name is Joanna and I'm a wealth management advisor with Union Financial. How can I assist you today?
5885f946177745ffbe577226954165dc
client
2023-09-08T10:16:39.692308+00:00
Hi,anna, thanks for taking my call. I'm calling because I'm considering filing for bankruptcy and I wanted to know if your institution offers any credit counseling services that could help me avoid it.
5885f946177745ffbe577226954165dc
agent
2023-09-08T10:16:54.923077+00:00
Of course, Mary. I understand that can be a difficult time for you. Yes, we do offer credit counseling services here at Union Financial. Our have certified credit counselors on staff who can work with you to create a personalized plan to help you manage your debt and potentially avoid bankruptcy. Would you like me to set up an appointment for you with one of our counselors?
5885f946177745ffbe577226954165dc
client
2023-09-08T10:17:25.846154+00:00
That sounds great, thank you. But before we go any further, can you verify my identity please? I want to make sure that my financial information is secure.
5885f946177745ffbe577226954165dc
agent
2023-09-08T10:17:38.769231+00:00
Absolutely, Mary. I completely understand. Can you please provide me with your full name, address, and date last four digits of your social security number?
5885f946177745ffbe577226954165dc
client
2023-09-08T10:17:50.307693+00:00
Sure, my name is Mary Johnson, my address is 123 Main Street, and the last four digits of my social are 5678.
5885f946177745ffbe577226954165dc
agent
2023-09-08T10:18:00.461539+00:00
Great, thank you for providing that information, Mary. I just need to double checkcheck a few things. (pause) Alright, everything looks good. I'm going to set up an appointment for you with one of our credit counselors. They'll be in touch with you within the next 24 hours to schedule a time that works best for you. In the meantime, is there anything else I can assist you with today?
5885f946177745ffbe577226954165dc
client
2023-09-08T10:18:32.769231+00:00
No, that's all for now. Thank you so much, Joanna. I really appreciate your help.
5885f946177745ffbe577226954165dc
agent
2023-09-08T10:18:39.692308+00:00
You're welcome, Mary. It's no problem at all. I hope our credit counseling services can help you get back on track financially. We you have any other questions or concerns before your appointment, feel't hesitate to reach out to me directly. Have a great day!
5885f946177745ffbe577226954165dc
client
2023-09-08T10:19:00.461539+00:00
Thanks, Joanna. You too.
5885f946177745ffbe577226954165dc
agent
2023-09-08T10:19:02.307693+00:00
(internal dialogue) Okay, I've successfully verified the customer's identity and set up an appointment for them with a credit counselor. The customer seems satisfied with the solution offered and has achieved their goal. I'll make sure to follow up with the creditselor to ensure they're able to help Mary avoid bankruptcy. This interaction was a positive sentiment overall.
b6c6500a108a48408cce701f0d54e51e
agent
2023-09-28T14:00:08+00:00
Good morning, thank you for holding. My name is Birtie, I'm a wealth management advisor with Union Financial. How can I assist you today?
b6c6500a108a48408cce701f0d54e51e
client
2023-09-28T14:00:19.076923+00:00
Hi Birtie, thanks for taking my call. I'm following up on an issue that was supposed to be resolved by your team. I'm looking for property investment advice and I was told that someone from your team would get in to me, but I haven't heard anything yet.
b6c6500a108a48408cce701f0d54e51e
agent
2023-09-28T14:00:41.230769+00:00
Apologies for the delay, Francis. Can you please verify your identity for me? I'll do my best to help you with your inquiry.
b6c6500a108a48408cce701f0d54e51e
client
2023-09-28T14:00:51.846154+00:00
Sure, my name is Francis Chen I have an account with Union Financial. My account number is *******.
b6c6500a108a48408cce701f0d54e51e
agent
2023-09-28T14:01:00.153846+00:00
Thank you, Francis. I just need to double a few more details to ensure I'm speaking with the right person. Can you please provide me with your date of birth and the last four digits of your social security number?
b6c6500a108a48408cce701f0d54e51e
client
2023-09-28T14:01:18.615384+00:00
Uh, sure. My date of birth is ******* and the last four digits of my social are *******.
b6c6500a108a48408cce701f0d54e51e
agent
2023-09-28T14:01:26.923076+00:00
Great, thank you for providing that information, Francis. Now, regarding your request for property investment advice, can you tell me a bit more about what you're looking for? Are you interested in investing in a specific type of property or location? And what is your budget for this investment?
b6c6500a108a48408cce701f0d54e51e
client
2023-09-28T14:01:49.538461+00:00
Well, I'm actually looking too sure. That's why I was hoping someone from your team could give me some guidance. I've heard that real estate can be a good investment, but I don't know where to start or what to look for. And my budget is around $50,00.
b6c6500a108a48408cce701f0d54e51e
agent
2023-09-28T14:02:11.692307+00:00
Understood, Francis. Based on your budget and interest in real estate, have you considered investing in a real estate investment trust (REIT)? REITs allow individuals to invest in a diversified portfolio of properties without directly owning physical properties. They can provide a steady stream of income and have the potential for long-term capital appreciation.
b6c6500a108a48408cce701f0d54e51e
client
2023-09-28T14:02:36.615384+00:00
Hmm, that sounds interesting. But how do I know which REITs are good investments?
b6c6500a108a48408cce701f0d54e51e
agent
2023-09-28T14:02:43.076922+00:00
That's a great question, Francis. Our team can experts can help you evaluate different REITs and make recommendations based on your investment goals and risk tolerance. We also have a list of resources and tools available to help you make informed decisions about your investments. Would you like me to schedule a consultation with one of our financial advisors to discuss this further?
b6c6500a108a48408cce701f0d54e51e
client
2023-09-28T14:03:12.153845+00:00
Yes, that would be great. Thank you, Birtie.
b6c6500a108a48408cce701f0d54e51e
agent
2023-09-28T14:03:15.846153+00:00
You're welcome, Francis. I'll go ahead and schedule that consultation for you. In the meantime, I'll also make sure to follow up with our team to ensure that your issue is resolved as soon as possible. Is there anything else I can assist you with today?
b6c6500a108a48408cce701f0d54e51e
client
2023-09-28T14:03:37.076922+00:00
No, that's all for now. Thanks again, Birtie.
b6c6500a108a48408cce701f0d54e51e
agent
2023-09-28T14:03:40.769230+00:00
You're welcome, Francis. Have a great day and
de2fa6abd6ac418ea17b23fc5e7367a5
agent
2023-09-09T12:36:08+00:00
Hello morning, thank you for calling Union Financial. My name is Novella, I can I assist you today?
de2fa6abd6ac418ea17b23fc5e7367a5
agent
2023-09-09T12:36:16.307692+00:00
Of course, I understand this can be a difficult time. Can you please provide me with your account number so I can access your information and better assist you?
de2fa6abd6ac418ea17b23fc5e7367a5
client
2023-09-09T12:36:29.692307+00:00
Yeah, it's *******.
de2fa6abd6ac418ea17b23fc5e7367a5
agent
2023-09-09T12:36:31.076922+00:00
Thank you, Candis. Now, regarding's discuss the financial aspects of your divorce. Have you and your spouse already divided to an agreement on asset division?
de2fa6abd6ac418ea17b23fc5e7367a5
client
2023-09-09T12:36:42.615384+00:00
No, we haven't. We're still working on that. But I want to make sure I understand everything before we finalize anything.
de2fa6abd6ac418ea17b23fc5e7367a5
agent
2023-09-09T12:36:52.307692+00:00
Thatsolutely. it's important to have a clear understanding of the financial impact. of Let's start with your assets. What do you currently have in terms of savings, investments, and property?
de2fa6abd6ac418ea17b23fc5e7367a5
client
2023-09-09T12:37:06.153846+00:00
Well, we have a joint savings account, two few investments, and our home.
de2fa6abd6ac418ea17b23fc5e7367a5
agent
2023-09-09T12:37:12.153846+00:00
Okay, those are all significant factors to consider. How much debts? Do you have any outstanding loans or credit card balances?
de2fa6abd6ac418ea17b23fc5e7367a5
client
2023-09-09T12:37:21.846154+00:00
Yes, we have a mortgage on our home and some credit card debt.
de2fa6abd6ac418ea17b23fc5e7367a5
agent
2023-09-09T12:37:27.846154+00:00
Alright, that's helpful to know. In, let you considered how you'll split these assets and debts between you and your spouse?
de2fa6abd6ac418ea17b23fc5e7367a5
client
2023-09-09T12:37:37.538462+00:00
Not really, that's why I'm calling. I'm not sure what mys fair or what my rights are.
de2fa6abd6ac418ea17b23fc5e7367a5
agent
2023-09-09T12:37:45.384616+00:00
I see. Well, it's important to keep that divorce can be a complex process, and it mays always best to consult with a lawyer to ensure your rights are protected. However, I can offer some general guidance on the financial aspects.
de2fa6abd6ac418ea17b23fc5e7367a5
client
2023-09-09T12:38:04.307693+00:00
Okay would be great, thank you.
de2fa6abd6ac418ea17b23fc5e7367a5
agent
2023-09-09T12:38:07.076924+00:00
Sure. So, typically, assets acquired during the marriage are considered marital property and are subject equitably between both parties. This means that each person will receive roughly half of the total value of the assets. However, this can vary depending on individual circumstances.
de2fa6abd6ac418ea17b23fc5e7367a5
client
2023-09-09T12:38:26.923078+00:00
Okay, that makes sense. But what about debts? Who's responsible for paying those off?
de2fa6abd6ac418ea17b23fc5e7367a5
agent
2023-09-09T12:38:33.384616+00:00
Debts are typically divided equally as well, but again, it depends on the specific circumstances. For example, if one person has a higher income, they may be responsible for a larger portion of the debt.
de2fa6abd6ac418ea17b23fc5e7367a5
client
2023-09-09T12:38:49.538462+00:00
That seems unfair. I don't want to be stuck with a the debt.
de2fa6abd6ac418ea17b23fc5e7367a5
agent
2023-09-09T12:38:55.538462+00:00
I understand your concerns, Candis. However's important to remember in mind that the goal of asset division is to distribute assets and debts fairly and equitably. It ultimately, the decision will be up to you and your spouse to come to an agreement that works for both of you.
de2fa6abd6ac418ea17b23fc5e7367a5
client
2023-09-09T12:39:18.153847+00:00
Yeah, I guess so. But what if we can't agree?