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It will at least be coming through to you soon and amongst all of the technical issues we've been having. It's literally called statement of advice, so it's pretty pretty, you know, I'll be on that one. No. No. This is literally just an email that I sent, like, the stuff, like, I don't know. I sent a post of you. Yep. We're off to a hey. Little like never. That's good. Okay. Well, the connection also seems to have improved, so maybe things are just coming up now. Perfect. So the document that I sent you and I wanted to send it to you this way so that way you guys could visually see it a lot easier than curating kind of signing platform or anything like that while we talk through everything. And then if you guys wanna go ahead, I'll obviously issue the document to you through, like, electronic signing methodology or methods so that way you're able to sort of authorize the document document. But, basically, the statement of advice pertains to the full collated data that I've gone through and gathered with you, gathered research wise, and put together. So when we obviously originally met, we wanted to look a lot at property, which through talking with the brokers and stuff like that, not currently on the radar, but something we're definitely gonna be able to work towards through saving to be able to achieve that. Now you guys also had a credit card at the time with about two and a half owing on it. I know that you paid that off, which is fantastic. Have we canceled it, or are we just we're keeping it for, like, And, realistically, you you don't yeah. Like, you don't have to. Right now is the best time for you guys to really spend time building up a credit report, and one of the best ways to do that is to use your credit card in a really effective way. So the way we're gonna do that is by, say, buying our groceries and then going home and transferring the money straight over to the credit card. A, it doesn't. But, otherwise, it just really enables you to get that credit footprint, increase your credit rating up to over a thousand, and your profile looks a lot better for from a borrowing capacity point of view. It just shows that you're less of a risk when we're purchasing our first home, when we're trying to, you know, make our big first purchases. The fact that you've gone and got a personal loan, we're meeting those monthly repayments, that's gonna add heaps to you. But generally speaking, and I'm gonna assume that it's the way it's being structured, is that the personal loan is probably in just Alicia's name. Yeah. So it means that Adam's not really getting much of a footprint. The business will definitely help, but the business is not Adam. They're two separate entities. So Adam does need to sort of, you know especially if the if the credit card's in Alicia's name again, it doesn't really do much for Adam. I'm not saying let's go get a credit card in Adam's name, but we could, you know, always cancel that credit card, have a joint credit card, lower the lower the limit. So that way we're not gonna make any mistakes. And it just kind of gives us that capacity to be able to build a credit footprint in an effective way while still making sure that we're saving and aiming towards that massive savings out there. Yeah. Even if you yeah. Even if you look at, like, just getting him on the same credit card. So going to A and M saying, hey. My credit card. 100%. That's 100%. Like, that credit card that you currently have won't it won't be the same, like, account. They'll set up a new account in joint names, but that's fine. And you can still have it connected to Qantas, Break It Fly Month, and everything like that. It'll just help both of you mutually, especially if you wanna keep the credit card open. And then, you know, depending on what what happens when we get to the point of being able to borrow, the credit card may have to be canceled at that point of view. But it's just about being smart with the credit card. So we're not spending more than we can afford, and we basically put our fuel and our groceries on it, and we pay it off before the end of the month. Pay it weekly with your cycle or full month with your cycle. Yeah. Yeah. Same. Yeah. Perfect. Look. That's outside of this advice, but it was just something I did wanna touch base on because there were a couple of some, like, bits and pieces that we were really, like, looking at that don't always form part of advice, but it's good to kind of just to go through. One one of the other things, I guess, I'll touch on a little bit later, but I just with the fact that you guys wanna buy a home first, there was a couple of different methodologies that I did look at with purchasing the home. And one of them was using your superannuation fund as a savings account. At the moment, I did discount it purely and simply because you guys are only getting a like, just set up. Like, you, you know, haven't even been backing the country in twelve months. Just allowing you guys to get re just solidify. Find your feet. Have Adam's business, you know, settle in. Have you settle in and with with with work? And then maybe look at it in a little bit. There are there were risks with regards to using the super funds to do that kind of strategy. So collectively, and through that, you are then able to pull that money out later along with earning. So along with the the growth of the so it basically becomes an investment account. The downside is is that it's an application to be able to apply to get the money out. The ATO can actually decline you. It has its limitations. There's not always guarantees that it's gonna grow. And at the moment, like, I wanted to make sure that you guys could stabilize cash flow wise before we go and kind of jump into, like, a big move like that. Even though I know that we want to buy the house, if the money is in your super fund, you do not have flexibility to just pull it out whenever you want. It's there and it's done Unless you you meet the requirements to actually pull it out under the First Home Super Savers, it's just not you know, it's not easy and you can't do it on a dime. So if you guys turn around and go, we found the perfect pathway and we're done, you could get locked up with being unable to remove your money for ninety days, which purchasing a house, usually, you're looking at, like, thirty day contracts or fourteen day finance generally. So it's just really restrictive. Definitely something we can look at if you are interested in it, but I did discount it just at the moment just to allow you to kinda stabilize and maybe we look at it in six to twelve months if it's something you guys are keen on. Bank account because bank accounts run off the cash rate. So it's, like, 3% versus in your super funds, it's based on the investment returns within your fund. So historically, both of your funds have kind of run at, like, the nine ish percent mark. Whereas so but, again, it it's not guaranteed. Investments change and fluctuate and sometimes you have a bad year. So there's that. The Yep. Yes. High interest savings account. Yep. Yes. So if there's any ever anything that you wanna do, you are able to to just pull it up. Yeah. Yeah. Like, the ING account's fantastic. And, yeah, you are corrected. ING the ING saver accounts are higher than a normal bank account. They're specifically set up like that because, ultimately, what ING do is ING actually invest your money in the back end. They guarantee you the 5%, and they, you know, they walk away with whatever they make over that. So they may may have made 20%. They walk away with that earnings, and you walk away with your guaranteed five. Very, very much a safe option. They're taking the risk because ultimately, if the market tanks it, they make 2%. They still have to guarantee you you five. So they're hedging their bets. Yeah. I do all kinds of fun things. Some deposits work the same way as well. So the term deposit, you know, you put x amount of money in. You can't attach that money for three, six, nine, twelve months, whatever the case may be, whatever the term of the contract is, and you are guaranteed to get x amount of money back. What happens is the bank generally basically either invests it or they loan that money out to someone else. They get paid interest from that loan, and then they pass some of the interest onto you. Yeah. Can be fun. So yeah. So if you're comfortable with the ING account set up that you have, realistically, it's guaranteed returns. It's a little bit safer, and you guys have that access as well, which is really But I just and, like, I have recommended it to clients before. I just didn't feel at the moment until you guys are really stabilized with, you know, purchasing the car and sort of being in your jobs for, you know, an extended period of time, that it was probably the safest initial move. And with some of the recommendations I've already put in the document, I didn't wanna scare you. So let's jump in. Cool. Well, let's jump into the actual document and run through it. The first few pages are basically the information that you provided when you're talking. So the scope of the advice was basically considered around super insurance. You know, we did obviously talk about the debt management, the house purchase, car purchase, stuff like that. And that was all sort of through being able to be Other than that, page six and seven is sort of just where your current position stands. So where, you know, the details of your incomes and and position, your lifestyle assets, and your superannuation fund. With both of your superannuation fund, neither of your statements had your insurance. So what I've done is I've gone straight to the PDF, and based on your ages, the default insurance benefits would be as what is disclosed on page eight. So that is what the fund would, at a standard amount, enable us to apply for without having to go through any applications. So not really a massive amount of money in comparison to what we did discuss with with sort of looking around that million dollar. Now from there, what we what I sort of looked at was where your super funds sit currently. Now I wanna preface this with the fact that I'm well aware that these documents are hefty in size, and I wish that I could make them smaller. But, legislatively, I have to include all of the rigmarole that it does include. But it comes down to at the nuts and bolts. You are both long term investors when it comes to your superannuation. With your superannuation, it is something that you cannot touch for a very long time. Unless extenuating circumstances are released, such as Adam being able to pull money out during COVID. You know, that was something that that was a parameter that opened up. Not generally something that is allowed, but there are certain circumstances that do allow you to to access. Now what I looked at for Adam and based on current balance and the current position of the funds, it does currently have insurance. It is very limited insurance. It is not receiving any contributions, which I already know based on our conversation and the self employment, the previous travel, so on and so forth. The recommendations fall down to two simple things for Adam is that the money that you have built needs to stay with Mercer at the moment. Whilst I would love to and did look at alternative funds, the balance that you have does not really allow for any massive diversity of investing. So using stocks and stuff like that isn't really open at the moment based on where you sit. What I do wanna do, and a 100% happy to help you out and want to help you out getting that done, is to alter the investment that you currently have. Currently, the investment that you have in place is a little bit more conservative than what I would want you to be in, and what I wanna do is I wanna increase that risk. So it's basically putting more asset into equities, like your global Australian equities to enable you to actually have the growth backing. Currently, with your Mercer Fund, you're in what they call, like, their my super or their smart path option, which is basically your age. I wanna remove you out of that because what happens is as we get older, they slowly start decreasing the risk, which is it's cool. It's basically like a bit of a bell curve as when we're young, they have, you know, high risk. And then when we hit about 45, they start slowly decreasing the risk because according to the minds that be, what happens, we hit 45 as we've got all our stuff sorted, and and ultimately, we should be paying our debts off and consolidating everything. And, you know, we're no longer taking on debts, and that's kind of how life should roll. It's not how life rolls, but that's how they put it. So what I wanna do is basically take the money because you're probably a 100% within that one fund and split you out over three different holdings. One is like the them it's still a sort of mixed it's called a mixed asset portfolio. It's a there's a high growth portfolio. Put you 50% in there, and then the other 50% split evenly between Australian international shares just to push you back into that threshold. So that way, you're sitting more towards, like, a 95% invested in the market, and you've only got a little bit sitting defensively. You're always gonna need defensive assets, but we don't wanna have too much sitting defensive because currently, you've got all percent sitting defensively. Majority of it's sitting sort of in your alternative defensive asset. You've got some defensive property as well, but I wanna sort of push more of it into that that growth. So that's nice and easy, and I can do that for you. Either you if you're willing or happy to, you can do it on the portal. To save you needing to navigate that, there's a form I can send you. Unfortunately, it does have to be wet signed, so pen to paper signed, but I can send it to you by post. We can sign it, and we can submit it to us off. It'll mean that the current investment and all future investments moved into that new allocation. And then we can just touch base each year, make sure that everything's tracking on well. And when the funds gets to a point where we can do more with it, we will. So when the balance increases to a point where we can actually start investing in a more ergonomic way, But for now, this is gonna give you the best opportunity to just get that balance up in line with that. And if you're reading the document, I am very much going all over the place because while the document's in one order, my brain's in another. Even though I broke the document, in line with that, what we do need to do is we do need to start contributing to the fund. So currently, legislation stipulates 12%. I would like you to get to the point where you are making 12% contributions. But I am reasonable in the fact that you are trying to save towards the house as well. So there's one of two options that we have. I have recommended 12 because I need to, and, also, it does give you the best outcome. If I could say, you know, more money, I would. Mhmm. And that's purely and simply because it's gonna allow you to actually build it. So it's gonna support the insurance premiums that I'm recommending that we start taking on. Now 12% of your income, because your income's high, means that we're putting quite a bit of money in. We're putting, like, $20 in a year. How comfortable are you with that? What we do or how we structure it is basically under the business. But and, again, I know it's it's very much ABN wise, but we structure it to the point where, you know, because you get paid because you get paid through an ABN, you need to sort of generally try and make sure you're taking care of any taxes and stuff like that. Outside of taxes and if you have a good accountant that's working with you, they will generally be they will generally make sure that you put tax to the side. So don't wait for the tax bill to come. Have an account that you put your your tax money aside into. Do the same thing with your superannuation. So that way every quarter when you sit down and do your BAS, you pay your BAS, and you put the money into your superannuation fund at the same time. K? So it's just a matter of just structuring it in a sound way. Now, generally, it's easier to kinda roll with 10%. That way, it's 10% of whatever I got whatever I earned out of that pay run goes over there into that account for my super. And I would be willing to begin with while you get yourself set up to to pay, go with 10%. Go with 10%. It's an easy round figure for you to be able to calculate and and pop into that that account. And then each quarter, pay it. I will give you the details to be able to pay into pay into, like, a super fund. So that way, it can all go that way. If you don't wanna pay it that way and because I I know you have an you have an accountant. You did have an accountant, and I'm not misremembering that. Right? Yeah. Cool. And you had a good accountant that you liked, which is why you didn't want any of my accountant recommend hey. You know, I remembered something. We're not liking him. Look. Most accountants are in my book. Most accountants are crap in my book. Like, they hit me to tears, and now they never call you back when you need them to. It comes down to Yeah. So it's been a long time. Yeah. Yeah. Especially so it comes out of two things, time, effort, and knowledge. Do you have the time to do your bath? Do you have the effort to want like, to even want to do it? And do you have the knowledge to be able to do it? Like me, I can mow my lawn. I have I have the I have the knowledge on how to mow my lawn, still force my 12 year old to do it and pay him for the privilege. So it it it comes down to those three factors. Generally, with any business related aspect is do you have the time to do it? If you do, that's fantastic. Do you have the knowledge to do it? If you don't, maybe it's something that you spend the next six months every time the accountant does the BAS. You just inquire a little bit more, learn more, expand your knowledge bases, do the research into how to do it, make sure that you're doing it on time, make sure you set, you know, calendar reminders for yourself to do it. 100%. It's a massive savings fund wise. But it's saying, yeah, I'm gonna save the money and and and I'll do this myself and then actually doing it, two different things. Now if you don't like your accountant, I have worked with many accounts that I actually do like. They are Gold Coast based, which because you're in Tella, that kinda sucks. Like, most accountants do everything over the phone. I haven't seen my accountant in ten years, and I've been working with her twelve. She works up in Brisbane. It's the, like, West Brisbane. I just email her, and I'm like, here's everything. Thanks. Bye. But yeah. Like, I have an account in here on the Gold Coast that I have recommended and a few of my clients do. Look. You can use my account that I've used for twelve years, but you're not gonna like her cost. I can tell you that much. Right. I don't like her cost. I'm just stubborn, and I've been with her for too long to have the even consider moving. But if you do wanna review it, just let me know, and I can find out what they charge for BAS and stuff like that and let you know. But yeah. Contributions? Sorry. So off track. Contributions are definitely a need to have. Because otherwise, we're just gonna end up yes. After your tax bill. After your tax bill. So get let's get our tax bill, and that's what I mean about let's stabilize our finances is let's get our tax bill sorted and paid off. And then once our tax bill's sorted and paid off somewhere a little bit more stable and we're putting money away to keep on top of that our taxes and able to put a little bit more money away into those avenues, we start making the contributions. So it's not gonna be something that we, you know, pick up tomorrow and say let's start paying. It's let's just stabilize ourselves. Let's get the tax bill paid off. Get a little bit more money sitting in that kitty in that savings account so we have a little little bit of room to move, breathe. That way, if anything happens, I e, one of the car needs new tires. It's, you know, thousand dollar endeavor in and of itself. You have the money. You have the backing. Yeah. Why do I feel like $60 is where we're sitting? Is it 40? 60? 30 2. Alright. So it's gonna come down significantly. Yep. No. No. That's perfect. So we're gonna bring it right down. And, also, considering when I spoke to you guys literally the three months ago, we had $2 in savings. So the fact that we've gotten up to $16 total we're doing pretty well. I'm doing really well. Yeah. Oh, you still have to live life. You still have to have some freedom, but no, that that's perfect. The fact that you allowing yourself the the indulgence of his life, but you're still making good headway with savings. I know your overheads are pretty low, so you do have the capacity to save, which is good. But, yeah, I think we just try and tackle that bill, which realistically, if you've been able to pay that, you've got what? Maybe if you're able to keep on that savings trajectory, got maybe three three more to three months, I think. And that's Also making sure that you're putting money away to pay new ATO bills. So we're not just putting everything into that ATO debt because otherwise, all we're gonna do is pay off the old debt and incur a new one. So we have to think about it strategically and put money aside each month as you get paid or each pay cycle as you get paid, put money into that tax account. I'm not saying I'm not saying let's put extra money for super. Let's just put money into the tax account. No. No. No. No. No. A tax bill is not a deduction. Tax bills are you didn't pay us. You now owe us, unfortunately. Yeah. It's unfortunate. Very wrong. Like yeah. I I wish there was a way around that. But, yeah, there's not. I can't think of anything. I'm not an accountant, but then, yeah, there's definitely no way around being able to deduct that. Yeah. Would you try? I would love to I would love to write my tax off on tax. Yeah. Look. Realistically, what you can do, and I have seen it before, and you could talk to your accountant about doing it, is it takes a lot of asset management, so whether you you and your accountant wanna do it, but you can apply to basically get a reduction on it if you pay, like, a lump sum. And, like, I'm not saying $8 lump sum. I'm saying, like, it might be 32 if you pay 28. They'll wipe off the additional 4. It's possible yeah. Your account will have to apply to the ATO. Oh, I mean, you could possibly do it. I'm not gonna lie. I have zero ideas how to do it. I just know that you can. But you need to have the money to do it. Yes. Yeah. You need to have the money to do it. Because while you have the ATO debt, it does incur interest. Yeah. So you can sometimes get that waived or wiped to a certain degree up to a certain amount. So it's it's zero ideas. I'm I have no idea. I honestly don't. I just know that you can, not any of the parameters around how to. Know all this useless information. Just no idea how to execute it. So yeah. So it's an option. I mean, just next time you meet with your accountant, just kind of maybe flag it as a could we do this type of scenario. Wouldn't be worth it. Wouldn't be wouldn't hurt. Don't make a special appointment for it. Just keep doing what you're doing, saving, and see what happens from there. Cool. So on Adam's Superfund side, it's a basically retain Mercer. Let's start getting money paid to it, and let's make some investment changes on Alicia's side. What I actually wanna do is you whilst 40 grand's not a massive amount, it's actually pretty average for your age group. Like, You're nearly hitting 6 figures, which is great. So your contributions are gonna be coming in from your employer automatically. Because you're employed in that structure, your employer has an obligation to pay, which is great. What I'm actually recommending is we do open up your ability to invest more strategically. So we migrate your funds from Brida over to Hub twenty four. They're a more open investment platform, and it just gives you thousands of different investment options available. And, eventually, that's what I sort of wanna do with Adams as well. And we can link the two accounts together so that way you guys have visibility across each other, and it just enables you to do some more. It means that also in the future when we kind of stabilize a little bit more and maybe we have some further investing goals, we can also have an investment account that we can grow and build alongside the super funds that personally owned that you can withdraw and access later. So it just gives you a bit more access to everything. Now with Hub twenty four, there's multiple different investment options. But what I wanna do is that we actually like, you actually worked with BlackRock, who are one of the biggest investment managers in the country. Well, actually, they're actually the one. But that's it. And we built what's called a separately managed account. So it's called an SMA. Now what that does is it basically houses think of a big circle, and inside that circle are lots of different circles. And each of those little circles are different investment groups. So one over here could be, say, Australian investments, and inside that Australian investment are, say, hundreds of little individual assets. And then over in another circle, you've got US investments. And inside that little circle is a bunch of different other little things. And you've got heaps of different things. So it means that, basically, you're able to invest on a level where you have, say, point one of a percent of a share in a company. So you are diversified a lot more while basically just being in the one asset. It also means that if the market's going to go through anything crazy, we work with our investment committee, which BlackRock sit on, and we can make movements within that SMA. So if all of a sudden we sit there and go, oh, you know what? Japan's not doing so great anymore. We're gonna change the waiting. We're gonna move out of Japan a little bit and maybe buy a little bit into, you know, Europe or other other sort of entities. We can do that without having to jump on the phone and say, hey. Japan's not doing great. Let's do this. And we have that time sensitive ability to make those moves in that capacity, you're not losing anything that you already have. Like, you currently when you you know, if you were to log in to your Brighter Super app, you see one investment option that you hold. That's all you see. So you're gonna see the same sort of thing. You're gonna see the one investment option that you hold. You're not gonna see anything crazy or anything different. But the cool thing is that you can actually click on that invest investment option, and it actually breaks down every single one of the entities that you do hold down to the fact that you can see that you have, say, CBA shares and stuff like that. So really cool from that degree just being able to see what your actual underlying investments will be. Cool. Now in line with the superannuation side. So nice and easy. We make a move. We do the investor change. We'll get you the form that you need to start contributing. The form that you provide your employer so they can start contributing. Now when we spoke, we wanted to look at insurance that was to the the level of about a million dollars. We can decrease this if we're uncomfortable at this level, but we looked at a million dollars. We talked about a million dollars, and what that was aiming to do was basically buy a house outright. So if anything happened to either of you, the other would be left the house. If you were never able to work again, we have a fully paid for home, and the other person would be able to just work to pay for the living expenses. So what I looked at was a million dollars worth of life and total amount of disability. Now for adam,net life as the insurer was suitable, and that's occupation based. Because he's a rigor. You want a provider that, a, deals with that occupation, and, b, treats that occupation fairly in the market. Not not every insurer goes after every occupation demographic. Some insurers are better for professionals or doctors. Others are better for heavy manual. I have specific insurers that are better for, you know, mining. MetLife loves farmers, love miners. They love our heavy blues. So MetLife came out the best for occupation rating cost features when it comes to your post occupation, Adam. So if we write a million dollars worth of life and total in home facility, we're looking at $987.62 per year. Your super fund can pay for it. So your super fund currently pays for the premiums. Your super fund can continue to pay for the premiums. So it's not going to erode anything there. The benefits of that are that because your super fund pays for it, it's 15% cheaper. So if you were to pay for it, it becomes $1,100 or 1,162. Because your super fund is paying for it, you get a deduction because the super fund claims. The downside are that under a claim, it's basically a two claim process for either life or TPD. So what happens is you would go to MetLife. MetLife insurance approved the claim, and then they send the claim to the superannuation claims team. It's all done internally, and, realistically, you as the customer don't see anything to do with it, and all you would see is one extra form that you have to fill out. You, if I had, didn't tell you, wouldn't really notice anything about the claims process. With life insurance, when it's owned by the Superfund, you are limited on who you can nominate as a beneficiary. So a little bit of a downside. You're limited to basically a spouse, a child, or a financial dependent. Now I assumed, and based on our conversations, that we're gonna nominate each other anyway. So not gonna be an issue with regards to nominations because you guys are each other's thousand. With CPD, that's probably the biggest downside that we have when it comes to paying for the insurance within the super fund rather than paying for it personally. If you pay for total impairment disability insurance personally, it's paid to you tax free. It's paid directly to you. It goes into your bank account. It's done. It's deducted. You walk away with a million dollars. When it's paid for by the super funds, what happens is Mercer actually sets up a brand new super fund for you. It because I'm sorry. MetLife. MetLife set up a brand new super fund for you. It's basically like a MetLife insurance holding account. You were then able to do one of two things with that money. The money was paid from the insurer to the super fund. And then if you wanna get that paid to your bank account, you pay up to 22% tax because you are not over 60. Yep. Or you can roll that into a super fund. You can invest that. It can hold there. You can set up a pension account so you can have a weekly, monthly, fortnightly income stream. And there are a heap of tax reduction reducing. I had a client. She was 42. Williams held it disabled. I pulled over a million dollars out of her super fund, and she paid not a cent in tax. So there are ways that you can minimize to the point of completely mitigating the tax obligation, but it's not always the case. Generally, the best I see is around the 5% tax mark, but I'm forever gonna love my 43 year old because $5,000,000 no tax. So there there are there are definitely ways that we we can minimize the tax, but that's a you and me conversation if we ever have to make a claim on that. I just wanna make you aware that if you just go off and put a claim in and get them to pay you, you are paying it's not gonna be 22% straight up, but it it's pretty close to 22%. I always say up to 22%. There's always some concessions that you get straight off the bat that are calculated at the time that you go to claim. So it's not something I can estimate and and give you a figure for now. It's just that time of claim. That's what it ends up being. So yeah. So the downside majorly when it comes to TPD, but it's being paid inside super is that. What we do is we, you know, we cancel the insurance with Mercer. So we'd submit a cancellation request with Mercer to cancel the current insurance inside it so you're not paying for double insurance premiums when the new insurance went in in force. And, again, Mercer would just pay the premiums every year for MetLife. On the flip side for Alicia, same same informationally, insurer is ClearView. ClearView, like like color professional jobs. So government employee, death job, all the rest of the things, they love you as a person. MetLife, not so much. So what we've what we've got is same thing there is a million dollars worth of life, million dollars worth of CPG, white collar profession versus what we've got as a blue collar, very different. You're also a female versus a male. Your premiums are $406.90. Occupation rating does play a massive part. Also, gender does play a massive part. Females generally pay that. Men are just slightly more risky. It's generally not. It's never too too much, but it's always just a couple of dollars different, which is always something funny to to look at. Although there's some occupations, women do pay more. But anyway so same time. What we do is we we replace the current insurance that you have within Ryder Super. So basically, when what we would do is we would set up your new insurance policy. We'd set up your Superfund account. We'd roll majority of the funds over from private super, leave about $10. So we'd roll sort of, like, that $30 over into hub twenty four, leave 10, get the application for your insurance done. Because insurance applications, while they don't normally take a lot of time, they can take time. Like, I've I've seen applications take twelve months, and that's because medicals are required and stuff like that. Yeah. They can drag out. With these insurance applications, what you would do is you would go through a full application process. So you actually answer a full medical questionnaire, and you disclose to the insurer your past medical history, family history, stuff like that. Nothing we spoke about raises concerns for me. I know that Adam has some family history with dad, and at least if you you broke your back horse riding, high cholesterol, but that's all controlled. Pap smears, all fine. No stress with any of that. It all needs to be disclosed to them, but that's just so so they're aware. And what they do is they basically treat you like an individual person rather than a random number, and it means that claims process is a lot easier. Now if we're uncomfortable with that insurance amount, I did look at 500,000 as well, but 500,000 is not really gonna get us to the what we want to purchase a full house and so on. Full. Yeah. Yeah. Correct. So your superannuation fund would pay for the insurance policies. Yeah. Now it's fantastic. Perfect. Now the one a couple of things that we didn't I didn't include, one was income protection, and the other was trauma. Trauma is an out of pocket expense. And once I do definitely wanna look at getting it in the future, again, I really wanna just stabilize our personal finances before we do jump into that. And with income protection, the premiums were just too heavy to be swinging into the funds we currently have established. We need to really beef up the money that we have within our super funds before we're able to start hitting it with premiums to that extent because it's couple grand. Because income protection is basically if you were short term ill or injured unable to work, it gives you a monthly benefit to basically be able to to give you income while you're not working. So I didn't wanna basically give you that impact. I didn't wanna impact your your super funds right now, and we do undertake that as, like, a future endeavor. Correct. Yes. Correct. And what I would love to do is and, again, once that ATO debt's cleared up, we have a little bit more of a backing, is we structure the income protection to be paid for personally by the business because that's a tax write off. So we can structure it that way with that income protection policy. But, again, just wanna kind of try and clean up those those personal finances a little bit first. So, yeah, that is basically the crux of the advice. The last few pages go through or the last few few strategies, I should say, go through estate planning. So just because we're setting up new accounts, because we're setting up new policies, you know, Adam, I know we're retaining your Mercer Fund, we just update and make sure that the beneficiary nominations that are on file with each of the funds are accurate and nominate each other. And the reason for that is is that if anything happens, we wanna make it a smooth claims process. Second to that is because we are intending on building a life together, what we wanna do is we want to make sure that we have established a good will nomination structure. So putting in place a will and a power of attorney because we're not married. And even if we were married, having the legal document in place just enables either of you to communicate with other providers, bank accounts, super funds, loan companies, stuff like that if something happens to the other person. There are a couple of avenues that we can take to get those documents in place that don't cost us a lot of money. So whilst, yes, going and sitting with a lawyer is obviously an avenue that we can take, the other side of things is that we can do it through online providers, or secondarily to that, we can also use the public trustee. The public trustee actually has, like, free provisions. You can book in and schedule times to sit with the public trustee and actually drop your will. They're always really inconvenient times, and they're always booked out for three months in advance. But they are there and available, which is really cool. There's there are companies like WIL, w r, double l, e d, that it it's I think the last time I looked at it, it was maybe $100 to do what you will online, but It's pretty inexpensive. Me and my husband look. I have a total of and both of our power of attorney documents, it cost a thousand bucks. So it wasn't hugely expensive to get them done. Again, mine was pretty simple. It was basically if anything happens, one of my poor sisters gets them. So that's something you can do for yourselves. It'll basically be mirror will. So a will is never done for two people. You do an individual will for each person, but you can just mirror each other. But a will just allows you to have provisions within it as well. Now for Adam's business, if you wanna go to the point of, like, the business and and and all that kind of stuff, you can make it more complex. But with the structure that you currently have in place, it's probably not something you need to consider. If you ever grow the business, put on, you know, interns or apprentices, that's what they call it, like apprentices or anything like that, you may have, like, a, you know, more of a succession plan in place. But for now, with the size of it and what you're currently doing, probably not needed. So that's pretty much with the document. The last, I guess, the probably the pages that are not most they're not most important, but just the ones that I haven't really covered off yet would be from page 44 down. It's just a because you're connected to my director. I'm not gonna charge you anything upfront for the setup of any of the supervisor. ClearView and or ClearView twice instead of ClearView and MetLife, but you understand the reference. Mhmm. The insurer the insurer pays us a a setup fee. 6066% of the initial paid by them to us. They're not paid by you. They pay us. So, Adam, because when yes. It's because we're setting up the the the account, so they don't have to do anything administratively. We go through the application with you. They don't have to do anything administratively. They also pay us an ongoing because if anything happens and you go to claim, we help you through the claim. There's obviously still something they have to do. They still have to go through the claim and finalize it, but we are basically that middleman. We help you out with everything. So they pay us the commissions for it. Adam, your super fund, I can't connect to it. I could be a third party authority holder, so it means that I can act I can inquire on the account, but I'm not able to act on your behalf. So I will do everything that I that I've said in this document that I'm gonna do. So I'm gonna, you know, change the investments and all that kind of stuff. But, you know, I can't just go and do anything on my own free will because I can. You always have to sign up on stuff. Alicia, we would manage your investment to our investment committee, everything like that. So your account would pay us an ongoing fee. It's set to 1.65% of your balance. That's estimated, like, $770 for the first year. Cool. I think the pages aside from that just really detail, like, your you authorizing me and my team to proceed with the advice. And then my favorite page is page 48. It just steps through the actual stages and everything. So it gives you context to this astronomically large document and just takes you through this is actually what we're gonna do, and these are the steps we're gonna do them in so it makes sense. So if, you know, when my team calls and says, hey. We're doing this. Yep. We're like, we're up to step three. So you could cancel a lot. Some of the steps do kind of occur concurrently, but for the most part, we do try and step it out as much as possible. Now how is that all sounding? Yep. Yeah. Alright. Totally fair. And as we stabilize and with the investment property, equity comes the growth opportunity is there for you to be able to borrow against an investment property and purchase your own property on the Gold Coast or otherwise. So it is still there. It's just right now, maybe we explore other avenues to build that wealth. Perfect. Alright. So if that's the case, what I will do, and as much as I love talking to you guys, I have been at work for, like, fourteen hours. So if you're okay for me to package up the documents, and I'll send them to you tomorrow via, like, it's called OdooSign, but it'll come through sort of in a very similar format. Don't be surprised if it does go to your junk folder, but I'll send you a separate email saying, hey. I've sent the documents. Keep your eye out. I do need to I do need to post a few of them, which we'll do during sort of like that like, after you sign the implementation process. And that'll just be, like, the investment swaps, the Adam's account, the beneficiary nomination forms, the all the new funds and everything will happen. Now second to that is both of your insurance applications will need to go through. We can book it in now, or I can just give you the time, and my team will reach out to you after you've signed all the documents, and they'll schedule in a time. You don't have to do the insurance applications together. Honestly, they're painful, and you probably don't wanna do them together. So it's just dependent on time available for you guys. Perfect. But I think majority of them happen when people are driving home from work, just to be honest. Great time to just talk about yourself. So but, yeah, I'll get my team to reach out, and they can schedule that one in. And it'll be Jack. Jack is my insurance guy, so he will, 95% of the time, be the one giving you the call to run through it all. Okay? Perfect. Well, I'll I'll package up the documents and send them to you tomorrow. It'll be the exact pay document you're seeing here just plus the application forms and stuff like that. I just have to merge them all into one and send them. And the new sign process is only brand new. We've implemented, like, two weeks ago. I'm still wrapping my head around how to use it. So so I will get them to you, yeah, tomorrow morning, and we'll go from there. If there are any alterations or comments you wanna make, there is a nice big section that'll have basically a text box available from, like, the second to last page that you can type in. If there's nothing that you need to comment on, so no alterations, you don't decline any of the advice, anything like that, you just leave it blank. And it means that I will and my team will implement everything that I've detailed in the document. No. Honestly, I was probably gonna be here anyway. No. No. Honestly, this is like, I'm going home at seven. This is a pretty early night for me, so it's not too bad. No. So it's absolutely fine. So you guys go and you enjoy your night, and I'll get the documents through to you tomorrow. And my team will reach out to you probably next week to start getting everything rolling. Perfect. Thanks, guys. Have a good one. 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What is going on? Yeah. Okay. May either.\n\nI sent you both an email. It I'm hoping it's come through to you. It will at least be coming through to you soon and amongst all of the technical issues we've been having. It's literally called statement of advice, so it's pretty pretty, you know, I'll be on that one. No.\n\nNo. This is literally just an email that I sent, like, the stuff, like, I don't know. I sent a post of you. Yep. We're off to a hey.\n\nLittle like never. That's good. Okay. Well, the connection also seems to have improved, so maybe things are just coming up now. Perfect.\n\nSo the document that I sent you and I wanted to send it to you this way so that way you guys could visually see it a lot easier than curating kind of signing platform or anything like that while we talk through everything. And then if you guys wanna go ahead, I'll obviously issue the document to you through, like, electronic signing methodology or methods so that way you're able to sort of authorize the document document. But, basically, the statement of advice pertains to the full collated data that I've gone through and gathered with you, gathered research wise, and put together. So when we obviously originally met, we wanted to look a lot at property, which through talking with the brokers and stuff like that, not currently on the radar, but something we're definitely gonna be able to work towards through saving to be able to achieve that. Now you guys also had a credit card at the time with about two and a half owing on it.\n\nI know that you paid that off, which is fantastic. Have we canceled it, or are we just we're keeping it for, like, And, realistically, you you don't yeah. Like, you don't have to. Right now is the best time for you guys to really spend time building up a credit report, and one of the best ways to do that is to use your credit card in a really effective way. So the way we're gonna do that is by, say, buying our groceries and then going home and transferring the money straight over to the credit card.\n\nA, it doesn't. But, otherwise, it just really enables you to get that credit footprint, increase your credit rating up to over a thousand, and your profile looks a lot better for from a borrowing capacity point of view. It just shows that you're less of a risk when we're purchasing our first home, when we're trying to, you know, make our big first purchases. The fact that you've gone and got a personal loan, we're meeting those monthly repayments, that's gonna add heaps to you. But generally speaking, and I'm gonna assume that it's the way it's being structured, is that the personal loan is probably in just Alicia's name.\n\nYeah. So it means that Adam's not really getting much of a footprint. The business will definitely help, but the business is not Adam. They're two separate entities. So Adam does need to sort of, you know especially if the if the credit card's in Alicia's name again, it doesn't really do much for Adam.\n\nI'm not saying let's go get a credit card in Adam's name, but we could, you know, always cancel that credit card, have a joint credit card, lower the lower the limit. So that way we're not gonna make any mistakes. And it just kind of gives us that capacity to be able to build a credit footprint in an effective way while still making sure that we're saving and aiming towards that massive savings out there. Yeah. Even if you yeah.\n\nEven if you look at, like, just getting him on the same credit card. So going to A and M saying, hey. My credit card. 100%. That's 100%.\n\nLike, that credit card that you currently have won't it won't be the same, like, account. They'll set up a new account in joint names, but that's fine. And you can still have it connected to Qantas, Break It Fly Month, and everything like that. It'll just help both of you mutually, especially if you wanna keep the credit card open. And then, you know, depending on what what happens when we get to the point of being able to borrow, the credit card may have to be canceled at that point of view.\n\nBut it's just about being smart with the credit card. So we're not spending more than we can afford, and we basically put our fuel and our groceries on it, and we pay it off before the end of the month. Pay it weekly with your cycle or full month with your cycle. Yeah. Yeah.\n\nSame. Yeah. Perfect. Look. That's outside of this advice, but it was just something I did wanna touch base on because there were a couple of some, like, bits and pieces that we were really, like, looking at that don't always form part of advice, but it's good to kind of just to go through.\n\nOne one of the other things, I guess, I'll touch on a little bit later, but I just with the fact that you guys wanna buy a home first, there was a couple of different methodologies that I did look at with purchasing the home. And one of them was using your superannuation fund as a savings account. At the moment, I did discount it purely and simply because you guys are only getting a like, just set up. Like, you, you know, haven't even been backing the country in twelve months. Just allowing you guys to get re just solidify.\n\nFind your feet. Have Adam's business, you know, settle in. Have you settle in and with with with work? And then maybe look at it in a little bit. There are there were risks with regards to using the super funds to do that kind of strategy.\n\nSo collectively, and through that, you are then able to pull that money out later along with earning. So along with the the growth of the so it basically becomes an investment account. The downside is is that it's an application to be able to apply to get the money out. The ATO can actually decline you. It has its limitations.\n\nThere's not always guarantees that it's gonna grow. And at the moment, like, I wanted to make sure that you guys could stabilize cash flow wise before we go and kind of jump into, like, a big move like that. Even though I know that we want to buy the house, if the money is in your super fund, you do not have flexibility to just pull it out whenever you want. It's there and it's done Unless you you meet the requirements to actually pull it out under the First Home Super Savers, it's just not you know, it's not easy and you can't do it on a dime. So if you guys turn around and go, we found the perfect pathway and we're done, you could get locked up with being unable to remove your money for ninety days, which purchasing a house, usually, you're looking at, like, thirty day contracts or fourteen day finance generally.\n\nSo it's just really restrictive. Definitely something we can look at if you are interested in it, but I did discount it just at the moment just to allow you to kinda stabilize and maybe we look at it in six to twelve months if it's something you guys are keen on. Bank account because bank accounts run off the cash rate. So it's, like, 3% versus in your super funds, it's based on the investment returns within your fund. So historically, both of your funds have kind of run at, like, the nine ish percent mark.\n\nWhereas so but, again, it it's not guaranteed. Investments change and fluctuate and sometimes you have a bad year. So there's that. The Yep. Yes.\n\nHigh interest savings account. Yep. Yes. So if there's any ever anything that you wanna do, you are able to to just pull it up. Yeah.\n\nYeah. Like, the ING account's fantastic. And, yeah, you are corrected. ING the ING saver accounts are higher than a normal bank account. They're specifically set up like that because, ultimately, what ING do is ING actually invest your money in the back end.\n\nThey guarantee you the 5%, and they, you know, they walk away with whatever they make over that. So they may may have made 20%. They walk away with that earnings, and you walk away with your guaranteed five. Very, very much a safe option. They're taking the risk because ultimately, if the market tanks it, they make 2%.\n\nThey still have to guarantee you you five. So they're hedging their bets. Yeah. I do all kinds of fun things. Some deposits work the same way as well.\n\nSo the term deposit, you know, you put x amount of money in. You can't attach that money for three, six, nine, twelve months, whatever the case may be, whatever the term of the contract is, and you are guaranteed to get x amount of money back. What happens is the bank generally basically either invests it or they loan that money out to someone else. They get paid interest from that loan, and then they pass some of the interest onto you. Yeah.\n\nCan be fun. So yeah. So if you're comfortable with the ING account set up that you have, realistically, it's guaranteed returns. It's a little bit safer, and you guys have that access as well, which is really But I just and, like, I have recommended it to clients before. I just didn't feel at the moment until you guys are really stabilized with, you know, purchasing the car and sort of being in your jobs for, you know, an extended period of time, that it was probably the safest initial move.\n\nAnd with some of the recommendations I've already put in the document, I didn't wanna scare you. So let's jump in. Cool. Well, let's jump into the actual document and run through it. The first few pages are basically the information that you provided when you're talking.\n\nSo the scope of the advice was basically considered around super insurance. You know, we did obviously talk about the debt management, the house purchase, car purchase, stuff like that. And that was all sort of through being able to be Other than that, page six and seven is sort of just where your current position stands. So where, you know, the details of your incomes and and position, your lifestyle assets, and your superannuation fund. With both of your superannuation fund, neither of your statements had your insurance.\n\nSo what I've done is I've gone straight to the PDF, and based on your ages, the default insurance benefits would be as what is disclosed on page eight. So that is what the fund would, at a standard amount, enable us to apply for without having to go through any applications. So not really a massive amount of money in comparison to what we did discuss with with sort of looking around that million dollar. Now from there, what we what I sort of looked at was where your super funds sit currently. Now I wanna preface this with the fact that I'm well aware that these documents are hefty in size, and I wish that I could make them smaller.\n\nBut, legislatively, I have to include all of the rigmarole that it does include. But it comes down to at the nuts and bolts. You are both long term investors when it comes to your superannuation. With your superannuation, it is something that you cannot touch for a very long time. Unless extenuating circumstances are released, such as Adam being able to pull money out during COVID.\n\nYou know, that was something that that was a parameter that opened up. Not generally something that is allowed, but there are certain circumstances that do allow you to to access. Now what I looked at for Adam and based on current balance and the current position of the funds, it does currently have insurance. It is very limited insurance. It is not receiving any contributions, which I already know based on our conversation and the self employment, the previous travel, so on and so forth.\n\nThe recommendations fall down to two simple things for Adam is that the money that you have built needs to stay with Mercer at the moment. Whilst I would love to and did look at alternative funds, the balance that you have does not really allow for any massive diversity of investing. So using stocks and stuff like that isn't really open at the moment based on where you sit. What I do wanna do, and a 100% happy to help you out and want to help you out getting that done, is to alter the investment that you currently have. Currently, the investment that you have in place is a little bit more conservative than what I would want you to be in, and what I wanna do is I wanna increase that risk.\n\nSo it's basically putting more asset into equities, like your global Australian equities to enable you to actually have the growth backing. Currently, with your Mercer Fund, you're in what they call, like, their my super or their smart path option, which is basically your age. I wanna remove you out of that because what happens is as we get older, they slowly start decreasing the risk, which is it's cool. It's basically like a bit of a bell curve as when we're young, they have, you know, high risk. And then when we hit about 45, they start slowly decreasing the risk because according to the minds that be, what happens, we hit 45 as we've got all our stuff sorted, and and ultimately, we should be paying our debts off and consolidating everything.\n\nAnd, you know, we're no longer taking on debts, and that's kind of how life should roll. It's not how life rolls, but that's how they put it. So what I wanna do is basically take the money because you're probably a 100% within that one fund and split you out over three different holdings. One is like the them it's still a sort of mixed it's called a mixed asset portfolio. It's a there's a high growth portfolio.\n\nPut you 50% in there, and then the other 50% split evenly between Australian international shares just to push you back into that threshold. So that way, you're sitting more towards, like, a 95% invested in the market, and you've only got a little bit sitting defensively. You're always gonna need defensive assets, but we don't wanna have too much sitting defensive because currently, you've got all percent sitting defensively. Majority of it's sitting sort of in your alternative defensive asset. You've got some defensive property as well, but I wanna sort of push more of it into that that growth.\n\nSo that's nice and easy, and I can do that for you. Either you if you're willing or happy to, you can do it on the portal. To save you needing to navigate that, there's a form I can send you. Unfortunately, it does have to be wet signed, so pen to paper signed, but I can send it to you by post. We can sign it, and we can submit it to us off.\n\nIt'll mean that the current investment and all future investments moved into that new allocation. And then we can just touch base each year, make sure that everything's tracking on well. And when the funds gets to a point where we can do more with it, we will. So when the balance increases to a point where we can actually start investing in a more ergonomic way, But for now, this is gonna give you the best opportunity to just get that balance up in line with that. And if you're reading the document, I am very much going all over the place because while the document's in one order, my brain's in another.\n\nEven though I broke the document, in line with that, what we do need to do is we do need to start contributing to the fund. So currently, legislation stipulates 12%. I would like you to get to the point where you are making 12% contributions. But I am reasonable in the fact that you are trying to save towards the house as well. So there's one of two options that we have.\n\nI have recommended 12 because I need to, and, also, it does give you the best outcome. If I could say, you know, more money, I would. Mhmm. And that's purely and simply because it's gonna allow you to actually build it. So it's gonna support the insurance premiums that I'm recommending that we start taking on.\n\nNow 12% of your income, because your income's high, means that we're putting quite a bit of money in. We're putting, like, $20 in a year. How comfortable are you with that? What we do or how we structure it is basically under the business. But and, again, I know it's it's very much ABN wise, but we structure it to the point where, you know, because you get paid because you get paid through an ABN, you need to sort of generally try and make sure you're taking care of any taxes and stuff like that.\n\nOutside of taxes and if you have a good accountant that's working with you, they will generally be they will generally make sure that you put tax to the side. So don't wait for the tax bill to come. Have an account that you put your your tax money aside into. Do the same thing with your superannuation. So that way every quarter when you sit down and do your BAS, you pay your BAS, and you put the money into your superannuation fund at the same time.\n\nK? So it's just a matter of just structuring it in a sound way. Now, generally, it's easier to kinda roll with 10%. That way, it's 10% of whatever I got whatever I earned out of that pay run goes over there into that account for my super. And I would be willing to begin with while you get yourself set up to to pay, go with 10%.\n\nGo with 10%. It's an easy round figure for you to be able to calculate and and pop into that that account. And then each quarter, pay it. I will give you the details to be able to pay into pay into, like, a super fund. So that way, it can all go that way.\n\nIf you don't wanna pay it that way and because I I know you have an you have an accountant. You did have an accountant, and I'm not misremembering that. Right? Yeah. Cool.\n\nAnd you had a good accountant that you liked, which is why you didn't want any of my accountant recommend hey. You know, I remembered something. We're not liking him. Look. Most accountants are in my book.\n\nMost accountants are crap in my book. Like, they hit me to tears, and now they never call you back when you need them to. It comes down to Yeah. So it's been a long time. Yeah.\n\nYeah. Especially so it comes out of two things, time, effort, and knowledge. Do you have the time to do your bath? Do you have the effort to want like, to even want to do it? And do you have the knowledge to be able to do it?\n\nLike me, I can mow my lawn. I have I have the I have the knowledge on how to mow my lawn, still force my 12 year old to do it and pay him for the privilege. So it it it comes down to those three factors. Generally, with any business related aspect is do you have the time to do it? If you do, that's fantastic.\n\nDo you have the knowledge to do it? If you don't, maybe it's something that you spend the next six months every time the accountant does the BAS. You just inquire a little bit more, learn more, expand your knowledge bases, do the research into how to do it, make sure that you're doing it on time, make sure you set, you know, calendar reminders for yourself to do it. 100%. It's a massive savings fund wise.\n\nBut it's saying, yeah, I'm gonna save the money and and and I'll do this myself and then actually doing it, two different things. Now if you don't like your accountant, I have worked with many accounts that I actually do like. They are Gold Coast based, which because you're in Tella, that kinda sucks. Like, most accountants do everything over the phone. I haven't seen my accountant in ten years, and I've been working with her twelve.\n\nShe works up in Brisbane. It's the, like, West Brisbane. I just email her, and I'm like, here's everything. Thanks. Bye.\n\nBut yeah. Like, I have an account in here on the Gold Coast that I have recommended and a few of my clients do. Look. You can use my account that I've used for twelve years, but you're not gonna like her cost. I can tell you that much.\n\nRight. I don't like her cost. I'm just stubborn, and I've been with her for too long to have the even consider moving. But if you do wanna review it, just let me know, and I can find out what they charge for BAS and stuff like that and let you know. But yeah.\n\nContributions? Sorry. So off track. Contributions are definitely a need to have. Because otherwise, we're just gonna end up yes.\n\nAfter your tax bill. After your tax bill. So get let's get our tax bill, and that's what I mean about let's stabilize our finances is let's get our tax bill sorted and paid off. And then once our tax bill's sorted and paid off somewhere a little bit more stable and we're putting money away to keep on top of that our taxes and able to put a little bit more money away into those avenues, we start making the contributions. So it's not gonna be something that we, you know, pick up tomorrow and say let's start paying.\n\nIt's let's just stabilize ourselves. Let's get the tax bill paid off. Get a little bit more money sitting in that kitty in that savings account so we have a little little bit of room to move, breathe. That way, if anything happens, I e, one of the car needs new tires. It's, you know, thousand dollar endeavor in and of itself.\n\nYou have the money. You have the backing. Yeah. Why do I feel like $60 is where we're sitting? Is it 40?\n\n60? 30 2. Alright. So it's gonna come down significantly. Yep.\n\nNo. No. That's perfect. So we're gonna bring it right down. And, also, considering when I spoke to you guys literally the three months ago, we had $2 in savings.\n\nSo the fact that we've gotten up to $16 total we're doing pretty well. I'm doing really well. Yeah. Oh, you still have to live life. You still have to have some freedom, but no, that that's perfect.\n\nThe fact that you allowing yourself the the indulgence of his life, but you're still making good headway with savings. I know your overheads are pretty low, so you do have the capacity to save, which is good. But, yeah, I think we just try and tackle that bill, which realistically, if you've been able to pay that, you've got what? Maybe if you're able to keep on that savings trajectory, got maybe three three more to three months, I think. And that's Also making sure that you're putting money away to pay new ATO bills.\n\nSo we're not just putting everything into that ATO debt because otherwise, all we're gonna do is pay off the old debt and incur a new one. So we have to think about it strategically and put money aside each month as you get paid or each pay cycle as you get paid, put money into that tax account. I'm not saying I'm not saying let's put extra money for super. Let's just put money into the tax account. No.\n\nNo. No. No. No. A tax bill is not a deduction.\n\nTax bills are you didn't pay us. You now owe us, unfortunately. Yeah. It's unfortunate. Very wrong.\n\nLike yeah. I I wish there was a way around that. But, yeah, there's not. I can't think of anything. I'm not an accountant, but then, yeah, there's definitely no way around being able to deduct that.\n\nYeah. Would you try? I would love to I would love to write my tax off on tax. Yeah. Look.\n\nRealistically, what you can do, and I have seen it before, and you could talk to your accountant about doing it, is it takes a lot of asset management, so whether you you and your accountant wanna do it, but you can apply to basically get a reduction on it if you pay, like, a lump sum. And, like, I'm not saying $8 lump sum. I'm saying, like, it might be 32 if you pay 28. They'll wipe off the additional 4. It's possible yeah.\n\nYour account will have to apply to the ATO. Oh, I mean, you could possibly do it. I'm not gonna lie. I have zero ideas how to do it. I just know that you can.\n\nBut you need to have the money to do it. Yes. Yeah. You need to have the money to do it. Because while you have the ATO debt, it does incur interest.\n\nYeah. So you can sometimes get that waived or wiped to a certain degree up to a certain amount. So it's it's zero ideas. I'm I have no idea. I honestly don't.\n\nI just know that you can, not any of the parameters around how to. Know all this useless information. Just no idea how to execute it. So yeah. So it's an option.\n\nI mean, just next time you meet with your accountant, just kind of maybe flag it as a could we do this type of scenario. Wouldn't be worth it. Wouldn't be wouldn't hurt. Don't make a special appointment for it. Just keep doing what you're doing, saving, and see what happens from there.\n\nCool. So on Adam's Superfund side, it's a basically retain Mercer. Let's start getting money paid to it, and let's make some investment changes on Alicia's side. What I actually wanna do is you whilst 40 grand's not a massive amount, it's actually pretty average for your age group. Like, You're nearly hitting 6 figures, which is great.\n\nSo your contributions are gonna be coming in from your employer automatically. Because you're employed in that structure, your employer has an obligation to pay, which is great. What I'm actually recommending is we do open up your ability to invest more strategically. So we migrate your funds from Brida over to Hub twenty four. They're a more open investment platform, and it just gives you thousands of different investment options available.\n\nAnd, eventually, that's what I sort of wanna do with Adams as well. And we can link the two accounts together so that way you guys have visibility across each other, and it just enables you to do some more. It means that also in the future when we kind of stabilize a little bit more and maybe we have some further investing goals, we can also have an investment account that we can grow and build alongside the super funds that personally owned that you can withdraw and access later. So it just gives you a bit more access to everything. Now with Hub twenty four, there's multiple different investment options.\n\nBut what I wanna do is that we actually like, you actually worked with BlackRock, who are one of the biggest investment managers in the country. Well, actually, they're actually the one. But that's it. And we built what's called a separately managed account. So it's called an SMA.\n\nNow what that does is it basically houses think of a big circle, and inside that circle are lots of different circles. And each of those little circles are different investment groups. So one over here could be, say, Australian investments, and inside that Australian investment are, say, hundreds of little individual assets. And then over in another circle, you've got US investments. And inside that little circle is a bunch of different other little things.\n\nAnd you've got heaps of different things. So it means that, basically, you're able to invest on a level where you have, say, point one of a percent of a share in a company. So you are diversified a lot more while basically just being in the one asset. It also means that if the market's going to go through anything crazy, we work with our investment committee, which BlackRock sit on, and we can make movements within that SMA. So if all of a sudden we sit there and go, oh, you know what?\n\nJapan's not doing so great anymore. We're gonna change the waiting. We're gonna move out of Japan a little bit and maybe buy a little bit into, you know, Europe or other other sort of entities. We can do that without having to jump on the phone and say, hey. Japan's not doing great.\n\nLet's do this. And we have that time sensitive ability to make those moves in that capacity, you're not losing anything that you already have. Like, you currently when you you know, if you were to log in to your Brighter Super app, you see one investment option that you hold. That's all you see. So you're gonna see the same sort of thing.\n\nYou're gonna see the one investment option that you hold. You're not gonna see anything crazy or anything different. But the cool thing is that you can actually click on that invest investment option, and it actually breaks down every single one of the entities that you do hold down to the fact that you can see that you have, say, CBA shares and stuff like that. So really cool from that degree just being able to see what your actual underlying investments will be. Cool.\n\nNow in line with the superannuation side. So nice and easy. We make a move. We do the investor change. We'll get you the form that you need to start contributing.\n\nThe form that you provide your employer so they can start contributing. Now when we spoke, we wanted to look at insurance that was to the the level of about a million dollars. We can decrease this if we're uncomfortable at this level, but we looked at a million dollars. We talked about a million dollars, and what that was aiming to do was basically buy a house outright. So if anything happened to either of you, the other would be left the house.\n\nIf you were never able to work again, we have a fully paid for home, and the other person would be able to just work to pay for the living expenses. So what I looked at was a million dollars worth of life and total amount of disability. Now for adam,net life as the insurer was suitable, and that's occupation based. Because he's a rigor. You want a provider that, a, deals with that occupation, and, b, treats that occupation fairly in the market.\n\nNot not every insurer goes after every occupation demographic. Some insurers are better for professionals or doctors. Others are better for heavy manual. I have specific insurers that are better for, you know, mining. MetLife loves farmers, love miners.\n\nThey love our heavy blues. So MetLife came out the best for occupation rating cost features when it comes to your post occupation, Adam. So if we write a million dollars worth of life and total in home facility, we're looking at $987.62 per year. Your super fund can pay for it. So your super fund currently pays for the premiums.\n\nYour super fund can continue to pay for the premiums. So it's not going to erode anything there. The benefits of that are that because your super fund pays for it, it's 15% cheaper. So if you were to pay for it, it becomes $1,100 or 1,162. Because your super fund is paying for it, you get a deduction because the super fund claims.\n\nThe downside are that under a claim, it's basically a two claim process for either life or TPD. So what happens is you would go to MetLife. MetLife insurance approved the claim, and then they send the claim to the superannuation claims team. It's all done internally, and, realistically, you as the customer don't see anything to do with it, and all you would see is one extra form that you have to fill out. You, if I had, didn't tell you, wouldn't really notice anything about the claims process.\n\nWith life insurance, when it's owned by the Superfund, you are limited on who you can nominate as a beneficiary. So a little bit of a downside. You're limited to basically a spouse, a child, or a financial dependent. Now I assumed, and based on our conversations, that we're gonna nominate each other anyway. So not gonna be an issue with regards to nominations because you guys are each other's thousand.\n\nWith CPD, that's probably the biggest downside that we have when it comes to paying for the insurance within the super fund rather than paying for it personally. If you pay for total impairment disability insurance personally, it's paid to you tax free. It's paid directly to you. It goes into your bank account. It's done.\n\nIt's deducted. You walk away with a million dollars. When it's paid for by the super funds, what happens is Mercer actually sets up a brand new super fund for you. It because I'm sorry. MetLife.\n\nMetLife set up a brand new super fund for you. It's basically like a MetLife insurance holding account. You were then able to do one of two things with that money. The money was paid from the insurer to the super fund. And then if you wanna get that paid to your bank account, you pay up to 22% tax because you are not over 60.\n\nYep. Or you can roll that into a super fund. You can invest that. It can hold there. You can set up a pension account so you can have a weekly, monthly, fortnightly income stream.\n\nAnd there are a heap of tax reduction reducing. I had a client. She was 42. Williams held it disabled. I pulled over a million dollars out of her super fund, and she paid not a cent in tax.\n\nSo there are ways that you can minimize to the point of completely mitigating the tax obligation, but it's not always the case. Generally, the best I see is around the 5% tax mark, but I'm forever gonna love my 43 year old because $5,000,000 no tax. So there there are there are definitely ways that we we can minimize the tax, but that's a you and me conversation if we ever have to make a claim on that. I just wanna make you aware that if you just go off and put a claim in and get them to pay you, you are paying it's not gonna be 22% straight up, but it it's pretty close to 22%. I always say up to 22%.\n\nThere's always some concessions that you get straight off the bat that are calculated at the time that you go to claim. So it's not something I can estimate and and give you a figure for now. It's just that time of claim. That's what it ends up being. So yeah.\n\nSo the downside majorly when it comes to TPD, but it's being paid inside super is that. What we do is we, you know, we cancel the insurance with Mercer. So we'd submit a cancellation request with Mercer to cancel the current insurance inside it so you're not paying for double insurance premiums when the new insurance went in in force. And, again, Mercer would just pay the premiums every year for MetLife. On the flip side for Alicia, same same informationally, insurer is ClearView.\n\nClearView, like like color professional jobs. So government employee, death job, all the rest of the things, they love you as a person. MetLife, not so much. So what we've what we've got is same thing there is a million dollars worth of life, million dollars worth of CPG, white collar profession versus what we've got as a blue collar, very different. You're also a female versus a male.\n\nYour premiums are $406.90. Occupation rating does play a massive part. Also, gender does play a massive part. Females generally pay that. Men are just slightly more risky.\n\nIt's generally not. It's never too too much, but it's always just a couple of dollars different, which is always something funny to to look at. Although there's some occupations, women do pay more. But anyway so same time. What we do is we we replace the current insurance that you have within Ryder Super.\n\nSo basically, when what we would do is we would set up your new insurance policy. We'd set up your Superfund account. We'd roll majority of the funds over from private super, leave about $10. So we'd roll sort of, like, that $30 over into hub twenty four, leave 10, get the application for your insurance done. Because insurance applications, while they don't normally take a lot of time, they can take time.\n\nLike, I've I've seen applications take twelve months, and that's because medicals are required and stuff like that. Yeah. They can drag out. With these insurance applications, what you would do is you would go through a full application process. So you actually answer a full medical questionnaire, and you disclose to the insurer your past medical history, family history, stuff like that.\n\nNothing we spoke about raises concerns for me. I know that Adam has some family history with dad, and at least if you you broke your back horse riding, high cholesterol, but that's all controlled. Pap smears, all fine. No stress with any of that. It all needs to be disclosed to them, but that's just so so they're aware.\n\nAnd what they do is they basically treat you like an individual person rather than a random number, and it means that claims process is a lot easier. Now if we're uncomfortable with that insurance amount, I did look at 500,000 as well, but 500,000 is not really gonna get us to the what we want to purchase a full house and so on. Full. Yeah. Yeah.\n\nCorrect. So your superannuation fund would pay for the insurance policies. Yeah. Now it's fantastic. Perfect.\n\nNow the one a couple of things that we didn't I didn't include, one was income protection, and the other was trauma. Trauma is an out of pocket expense. And once I do definitely wanna look at getting it in the future, again, I really wanna just stabilize our personal finances before we do jump into that. And with income protection, the premiums were just too heavy to be swinging into the funds we currently have established. We need to really beef up the money that we have within our super funds before we're able to start hitting it with premiums to that extent because it's couple grand.\n\nBecause income protection is basically if you were short term ill or injured unable to work, it gives you a monthly benefit to basically be able to to give you income while you're not working. So I didn't wanna basically give you that impact. I didn't wanna impact your your super funds right now, and we do undertake that as, like, a future endeavor. Correct. Yes.\n\nCorrect. And what I would love to do is and, again, once that ATO debt's cleared up, we have a little bit more of a backing, is we structure the income protection to be paid for personally by the business because that's a tax write off. So we can structure it that way with that income protection policy. But, again, just wanna kind of try and clean up those those personal finances a little bit first. So, yeah, that is basically the crux of the advice.\n\nThe last few pages go through or the last few few strategies, I should say, go through estate planning. So just because we're setting up new accounts, because we're setting up new policies, you know, Adam, I know we're retaining your Mercer Fund, we just update and make sure that the beneficiary nominations that are on file with each of the funds are accurate and nominate each other. And the reason for that is is that if anything happens, we wanna make it a smooth claims process. Second to that is because we are intending on building a life together, what we wanna do is we want to make sure that we have established a good will nomination structure. So putting in place a will and a power of attorney because we're not married.\n\nAnd even if we were married, having the legal document in place just enables either of you to communicate with other providers, bank accounts, super funds, loan companies, stuff like that if something happens to the other person. There are a couple of avenues that we can take to get those documents in place that don't cost us a lot of money. So whilst, yes, going and sitting with a lawyer is obviously an avenue that we can take, the other side of things is that we can do it through online providers, or secondarily to that, we can also use the public trustee. The public trustee actually has, like, free provisions. You can book in and schedule times to sit with the public trustee and actually drop your will.\n\nThey're always really inconvenient times, and they're always booked out for three months in advance. But they are there and available, which is really cool. There's there are companies like WIL, w r, double l, e d, that it it's I think the last time I looked at it, it was maybe $100 to do what you will online, but It's pretty inexpensive. Me and my husband look. I have a total of and both of our power of attorney documents, it cost a thousand bucks.\n\nSo it wasn't hugely expensive to get them done. Again, mine was pretty simple. It was basically if anything happens, one of my poor sisters gets them. So that's something you can do for yourselves. It'll basically be mirror will.\n\nSo a will is never done for two people. You do an individual will for each person, but you can just mirror each other. But a will just allows you to have provisions within it as well. Now for Adam's business, if you wanna go to the point of, like, the business and and and all that kind of stuff, you can make it more complex. But with the structure that you currently have in place, it's probably not something you need to consider.\n\nIf you ever grow the business, put on, you know, interns or apprentices, that's what they call it, like apprentices or anything like that, you may have, like, a, you know, more of a succession plan in place. But for now, with the size of it and what you're currently doing, probably not needed. So that's pretty much with the document. The last, I guess, the probably the pages that are not most they're not most important, but just the ones that I haven't really covered off yet would be from page 44 down. It's just a because you're connected to my director.\n\nI'm not gonna charge you anything upfront for the setup of any of the supervisor. ClearView and or ClearView twice instead of ClearView and MetLife, but you understand the reference. Mhmm. The insurer the insurer pays us a a setup fee. 6066% of the initial paid by them to us.\n\nThey're not paid by you. They pay us. So, Adam, because when yes. It's because we're setting up the the the account, so they don't have to do anything administratively. We go through the application with you.\n\nThey don't have to do anything administratively. They also pay us an ongoing because if anything happens and you go to claim, we help you through the claim. There's obviously still something they have to do. They still have to go through the claim and finalize it, but we are basically that middleman. We help you out with everything.\n\nSo they pay us the commissions for it. Adam, your super fund, I can't connect to it. I could be a third party authority holder, so it means that I can act I can inquire on the account, but I'm not able to act on your behalf. So I will do everything that I that I've said in this document that I'm gonna do. So I'm gonna, you know, change the investments and all that kind of stuff.\n\nBut, you know, I can't just go and do anything on my own free will because I can. You always have to sign up on stuff. Alicia, we would manage your investment to our investment committee, everything like that. So your account would pay us an ongoing fee. It's set to 1.65% of your balance.\n\nThat's estimated, like, $770 for the first year. Cool. I think the pages aside from that just really detail, like, your you authorizing me and my team to proceed with the advice. And then my favorite page is page 48. It just steps through the actual stages and everything.\n\nSo it gives you context to this astronomically large document and just takes you through this is actually what we're gonna do, and these are the steps we're gonna do them in so it makes sense. So if, you know, when my team calls and says, hey. We're doing this. Yep. We're like, we're up to step three.\n\nSo you could cancel a lot. Some of the steps do kind of occur concurrently, but for the most part, we do try and step it out as much as possible. Now how is that all sounding? Yep. Yeah.\n\nAlright. Totally fair. And as we stabilize and with the investment property, equity comes the growth opportunity is there for you to be able to borrow against an investment property and purchase your own property on the Gold Coast or otherwise. So it is still there. It's just right now, maybe we explore other avenues to build that wealth.\n\nPerfect. Alright. So if that's the case, what I will do, and as much as I love talking to you guys, I have been at work for, like, fourteen hours. So if you're okay for me to package up the documents, and I'll send them to you tomorrow via, like, it's called OdooSign, but it'll come through sort of in a very similar format. Don't be surprised if it does go to your junk folder, but I'll send you a separate email saying, hey.\n\nI've sent the documents. Keep your eye out. I do need to I do need to post a few of them, which we'll do during sort of like that like, after you sign the implementation process. And that'll just be, like, the investment swaps, the Adam's account, the beneficiary nomination forms, the all the new funds and everything will happen. Now second to that is both of your insurance applications will need to go through.\n\nWe can book it in now, or I can just give you the time, and my team will reach out to you after you've signed all the documents, and they'll schedule in a time. You don't have to do the insurance applications together. Honestly, they're painful, and you probably don't wanna do them together. So it's just dependent on time available for you guys. Perfect.\n\nBut I think majority of them happen when people are driving home from work, just to be honest. Great time to just talk about yourself. So but, yeah, I'll get my team to reach out, and they can schedule that one in. And it'll be Jack. Jack is my insurance guy, so he will, 95% of the time, be the one giving you the call to run through it all.\n\nOkay? Perfect. Well, I'll I'll package up the documents and send them to you tomorrow. It'll be the exact pay document you're seeing here just plus the application forms and stuff like that. I just have to merge them all into one and send them.\n\nAnd the new sign process is only brand new. We've implemented, like, two weeks ago. I'm still wrapping my head around how to use it. So so I will get them to you, yeah, tomorrow morning, and we'll go from there. If there are any alterations or comments you wanna make, there is a nice big section that'll have basically a text box available from, like, the second to last page that you can type in.\n\nIf there's nothing that you need to comment on, so no alterations, you don't decline any of the advice, anything like that, you just leave it blank. And it means that I will and my team will implement everything that I've detailed in the document. No. Honestly, I was probably gonna be here anyway. No.\n\nNo. Honestly, this is like, I'm going home at seven. This is a pretty early night for me, so it's not too bad. No. So it's absolutely fine.\n\nSo you guys go and you enjoy your night, and I'll get the documents through to you tomorrow. And my team will reach out to you probably next week to start getting everything rolling. Perfect. Thanks, guys. Have a good one.\n\nBye.","paragraphs":[{"sentences":[{"text":"Okay.","start":27.29,"end":27.79,"sentiment":"neutral","sentiment_score":-0.046145107597112656},{"text":"What is going on?","start":28.65,"end":29.95,"sentiment":"neutral","sentiment_score":-0.031070806086063385},{"text":"Yeah.","start":38.65,"end":39.105,"sentiment":"neutral","sentiment_score":0.09352050721645357},{"text":"Okay.","start":39.345,"end":39.845,"sentiment":"neutral","sentiment_score":0.082732655107975},{"text":"May either.","start":46.545,"end":47.605,"sentiment":"neutral","sentiment_score":-0.04225336201488972}],"sentiment":"neutral","sentiment_score":-0.008742432627413007,"num_words":9,"start":27.29,"end":47.605},{"sentences":[{"text":"I sent you both an email.","start":61.52,"end":63.059998,"sentiment":"neutral","sentiment_score":0.21196469416220984},{"text":"It I'm hoping it's come through to you.","start":63.92,"end":66.32,"sentiment":"neutral","sentiment_score":0.22190465219318867},{"text":"It will at least be coming through to you soon and amongst all of the technical issues we've been having.","start":66.32,"end":71.985,"sentiment":"neutral","sentiment_score":0.18505389392375945},{"text":"It's literally called statement of advice, so it's pretty pretty, you know, I'll be on that one.","start":75.08501,"end":90.130005,"sentiment":"neutral","sentiment_score":0.10043105548795532},{"text":"No.","start":98.095,"end":98.335,"sentiment":"neutral","sentiment_score":-0.12133488059043884}],"sentiment":"neutral","sentiment_score":0.16027108314805305,"num_words":52,"start":61.52,"end":98.335},{"sentences":[{"text":"No.","start":98.335,"end":98.575005,"sentiment":"neutral","sentiment_score":-0.1584649384021759},{"text":"This is literally just an email that I sent, like, the stuff, like, I don't know.","start":98.575005,"end":102.115,"sentiment":"neutral","sentiment_score":-0.17110132332891226},{"text":"I sent a post of you.","start":104.415,"end":106.035,"sentiment":"neutral","sentiment_score":-0.1190277487039566},{"text":"Yep.","start":115.950005,"end":116.450005,"sentiment":"neutral","sentiment_score":-0.04682421684265137},{"text":"We're off to a hey.","start":124.590004,"end":134.005,"sentiment":"neutral","sentiment_score":-0.05122014135122299}],"sentiment":"neutral","sentiment_score":-0.13493715612025098,"num_words":29,"start":98.335,"end":134.005},{"sentences":[{"text":"Little like never.","start":134.005,"end":134.965,"sentiment":"neutral","sentiment_score":0.009891226887702942},{"text":"That's good.","start":134.965,"end":135.625,"sentiment":"neutral","sentiment_score":0.16310517489910126},{"text":"Okay.","start":140.95,"end":141.34999,"sentiment":"neutral","sentiment_score":0.046178895980119705},{"text":"Well, the connection also seems to have improved, so maybe things are just coming up now.","start":141.34999,"end":146.89,"sentiment":"neutral","sentiment_score":0.22848678473383188},{"text":"Perfect.","start":149.34999,"end":149.84999,"sentiment":"positive","sentiment_score":0.4739202558994293}],"sentiment":"neutral","sentiment_score":0.1970335538296596,"num_words":23,"start":134.005,"end":149.84999},{"sentences":[{"text":"So the document that I sent you and I wanted to send it to you this way so that way you guys could visually see it a lot easier than curating kind of signing platform or anything like that while we talk through everything.","start":151.525,"end":162.08499,"sentiment":"neutral","sentiment_score":0.2555529729209163},{"text":"And then if you guys wanna go ahead, I'll obviously issue the document to you through, like, electronic signing methodology or methods so that way you're able to sort of authorize the document document.","start":162.08499,"end":173.62999,"sentiment":"neutral","sentiment_score":0.06872015786083306},{"text":"But, basically, the statement of advice pertains to the full collated data that I've gone through and gathered with you, gathered research wise, and put together.","start":175.61,"end":187.46501,"sentiment":"neutral","sentiment_score":0.07223349766662487},{"text":"So when we obviously originally met, we wanted to look a lot at property, which through talking with the brokers and stuff like that, not currently on the radar, but something we're definitely gonna be able to work towards through saving to be able to achieve that.","start":188.32501,"end":204.04001,"sentiment":"neutral","sentiment_score":0.11818971175779687},{"text":"Now you guys also had a credit card at the time with about two and a half owing on it.","start":206.18001,"end":210.78499,"sentiment":"neutral","sentiment_score":0.04237000215798616}],"sentiment":"neutral","sentiment_score":0.12784329597015828,"num_words":171,"start":151.525,"end":210.78499},{"sentences":[{"text":"I know that you paid that off, which is fantastic.","start":210.78499,"end":214.00499,"sentiment":"neutral","sentiment_score":0.21121740862727165},{"text":"Have we canceled it, or are we just we're keeping it for, like, And, realistically, you you don't yeah.","start":215.50499,"end":241.22499,"sentiment":"neutral","sentiment_score":-0.058189679745976865},{"text":"Like, you don't have to.","start":241.22499,"end":242.525,"sentiment":"neutral","sentiment_score":0.006009786808863282},{"text":"Right now is the best time for you guys to really spend time building up a credit report, and one of the best ways to do that is to use your credit card in a really effective way.","start":242.58499,"end":253.21999,"sentiment":"neutral","sentiment_score":0.23830643747197955},{"text":"So the way we're gonna do that is by, say, buying our groceries and then going home and transferring the money straight over to the credit card.","start":253.59999,"end":260.9,"sentiment":"neutral","sentiment_score":0.15540616738575477}],"sentiment":"neutral","sentiment_score":0.14432555806559672,"num_words":99,"start":210.78499,"end":260.9},{"sentences":[{"text":"A, it doesn't.","start":261.675,"end":269.995,"sentiment":"neutral","sentiment_score":0.014316775525609652},{"text":"But, otherwise, it just really enables you to get that credit footprint, increase your credit rating up to over a thousand, and your profile looks a lot better for from a borrowing capacity point of view.","start":269.995,"end":282.98,"sentiment":"neutral","sentiment_score":0.32072822661656475},{"text":"It just shows that you're less of a risk when we're purchasing our first home, when we're trying to, you know, make our big first purchases.","start":283.04,"end":292.275,"sentiment":"neutral","sentiment_score":0.18264722766784522},{"text":"The fact that you've gone and got a personal loan, we're meeting those monthly repayments, that's gonna add heaps to you.","start":292.595,"end":298.35498,"sentiment":"neutral","sentiment_score":0.164827575641019},{"text":"But generally speaking, and I'm gonna assume that it's the way it's being structured, is that the personal loan is probably in just Alicia's name.","start":298.35498,"end":307.59,"sentiment":"neutral","sentiment_score":0.007168193953111768}],"sentiment":"neutral","sentiment_score":0.17998719226510204,"num_words":111,"start":261.675,"end":307.59},{"sentences":[{"text":"Yeah.","start":307.59,"end":307.91,"sentiment":"neutral","sentiment_score":0.020834896713495255},{"text":"So it means that Adam's not really getting much of a footprint.","start":307.91,"end":310.33,"sentiment":"neutral","sentiment_score":-0.024792201196153957},{"text":"The business will definitely help, but the business is not Adam.","start":310.55,"end":314.56998,"sentiment":"neutral","sentiment_score":0.03313953056931496},{"text":"They're two separate entities.","start":315.34998,"end":316.72998,"sentiment":"neutral","sentiment_score":-0.07589898444712162},{"text":"So Adam does need to sort of, you know especially if the if the credit card's in Alicia's name again, it doesn't really do much for Adam.","start":318.555,"end":327.115,"sentiment":"neutral","sentiment_score":-0.20349119714012853}],"sentiment":"neutral","sentiment_score":-0.10381808985363353,"num_words":55,"start":307.59,"end":327.115},{"sentences":[{"text":"I'm not saying let's go get a credit card in Adam's name, but we could, you know, always cancel that credit card, have a joint credit card, lower the lower the limit.","start":327.115,"end":335.46,"sentiment":"neutral","sentiment_score":-0.1233043868560344},{"text":"So that way we're not gonna make any mistakes.","start":335.46,"end":338.28,"sentiment":"neutral","sentiment_score":-0.016711051265398662},{"text":"And it just kind of gives us that capacity to be able to build a credit footprint in an effective way while still making sure that we're saving and aiming towards that massive savings out there.","start":339.78,"end":353.20502,"sentiment":"neutral","sentiment_score":0.32734464419384796},{"text":"Yeah.","start":372.19998,"end":372.59998,"sentiment":"neutral","sentiment_score":0.23039522767066956},{"text":"Even if you yeah.","start":372.59998,"end":376.28,"sentiment":"neutral","sentiment_score":0.04238259233534336}],"sentiment":"neutral","sentiment_score":0.09863649935620587,"num_words":82,"start":327.115,"end":376.28},{"sentences":[{"text":"Even if you look at, like, just getting him on the same credit card.","start":376.28,"end":379.865,"sentiment":"neutral","sentiment_score":0.038578683244330544},{"text":"So going to A and M saying, hey.","start":380.245,"end":382.025,"sentiment":"neutral","sentiment_score":0.0660713566467166},{"text":"My credit card.","start":383.445,"end":384.085,"sentiment":"neutral","sentiment_score":0.03373477856318156},{"text":"100%.","start":384.085,"end":384.905,"sentiment":"neutral","sentiment_score":0.08928939700126648},{"text":"That's 100%.","start":386.405,"end":387.445,"sentiment":"neutral","sentiment_score":0.10046925023198128}],"sentiment":"neutral","sentiment_score":0.05214659470532622,"num_words":28,"start":376.28,"end":387.445},{"sentences":[{"text":"Like, that credit card that you currently have won't it won't be the same, like, account.","start":387.445,"end":391.205,"sentiment":"neutral","sentiment_score":-0.007747850380837917},{"text":"They'll set up a new account in joint names, but that's fine.","start":391.205,"end":394.85,"sentiment":"neutral","sentiment_score":0.05643379346777996},{"text":"And you can still have it connected to Qantas, Break It Fly Month, and everything like that.","start":395.63,"end":399.87003,"sentiment":"neutral","sentiment_score":0.28993893984486074},{"text":"It'll just help both of you mutually, especially if you wanna keep the credit card open.","start":399.87003,"end":403.81003,"sentiment":"positive","sentiment_score":0.45635128766298294},{"text":"And then, you know, depending on what what happens when we get to the point of being able to borrow, the credit card may have to be canceled at that point of view.","start":404.59003,"end":412.005,"sentiment":"neutral","sentiment_score":0.04774772183913173}],"sentiment":"neutral","sentiment_score":0.1527606097466134,"num_words":94,"start":387.445,"end":412.005},{"sentences":[{"text":"But it's just about being smart with the credit card.","start":412.005,"end":414.805,"sentiment":"neutral","sentiment_score":0.2704633053392172},{"text":"So we're not spending more than we can afford, and we basically put our fuel and our groceries on it, and we pay it off before the end of the month.","start":414.805,"end":421.705,"sentiment":"neutral","sentiment_score":0.15564536423452438},{"text":"Pay it weekly with your cycle or full month with your cycle.","start":421.76498,"end":424.905,"sentiment":"neutral","sentiment_score":0.2247630221148332},{"text":"Yeah.","start":427.51,"end":428.01,"sentiment":"positive","sentiment_score":0.5502264499664307},{"text":"Yeah.","start":438.55002,"end":438.95,"sentiment":"neutral","sentiment_score":0.22615143656730652}],"sentiment":"neutral","sentiment_score":0.20005769993771205,"num_words":55,"start":412.005,"end":438.95},{"sentences":[{"text":"Same.","start":438.95,"end":439.425,"sentiment":"neutral","sentiment_score":0.2539924681186676},{"text":"Yeah.","start":447.745,"end":448.245,"sentiment":"positive","sentiment_score":0.3976033926010132},{"text":"Perfect.","start":448.54498,"end":449.04498,"sentiment":"positive","sentiment_score":0.5379480123519897},{"text":"Look.","start":450.22498,"end":450.705,"sentiment":"neutral","sentiment_score":0.2940697968006134},{"text":"That's outside of this advice, but it was just something I did wanna touch base on because there were a couple of some, like, bits and pieces that we were really, like, looking at that don't always form part of advice, but it's good to kind of just to go through.","start":450.705,"end":462.69998,"sentiment":"neutral","sentiment_score":0.11088553187893886}],"sentiment":"neutral","sentiment_score":0.12979592355814848,"num_words":55,"start":438.95,"end":462.69998},{"sentences":[{"text":"One one of the other things, I guess, I'll touch on a little bit later, but I just with the fact that you guys wanna buy a home first, there was a couple of different methodologies that I did look at with purchasing the home.","start":464.52,"end":479.07498,"sentiment":"neutral","sentiment_score":0.04061042960319254},{"text":"And one of them was using your superannuation fund as a savings account.","start":479.85498,"end":488.53003,"sentiment":"neutral","sentiment_score":0.033374820907528586},{"text":"At the moment, I did discount it purely and simply because you guys are only getting a like, just set up.","start":490.43002,"end":497.745,"sentiment":"neutral","sentiment_score":0.0671650499460243},{"text":"Like, you, you know, haven't even been backing the country in twelve months.","start":497.745,"end":500.725,"sentiment":"neutral","sentiment_score":0.04298276941363628},{"text":"Just allowing you guys to get re just solidify.","start":501.82498,"end":506.725,"sentiment":"neutral","sentiment_score":0.24256336357858446}],"sentiment":"neutral","sentiment_score":0.06350152799398592,"num_words":101,"start":464.52,"end":506.725},{"sentences":[{"text":"Find your feet.","start":507.025,"end":507.925,"sentiment":"neutral","sentiment_score":0.1888703058163325},{"text":"Have Adam's business, you know, settle in.","start":508.305,"end":511.04498,"sentiment":"neutral","sentiment_score":0.13604978259120667},{"text":"Have you settle in and with with with work?","start":511.41,"end":514.31,"sentiment":"neutral","sentiment_score":0.1136113711529308},{"text":"And then maybe look at it in a little bit.","start":514.85004,"end":517.19,"sentiment":"neutral","sentiment_score":0.04519782140851021},{"text":"There are there were risks with regards to using the super funds to do that kind of strategy.","start":518.37,"end":524.93,"sentiment":"neutral","sentiment_score":-0.22495773765775892}],"sentiment":"neutral","sentiment_score":-0.022463815484909302,"num_words":47,"start":507.025,"end":524.93},{"sentences":[{"text":"So collectively, and through that, you are then able to pull that money out later along with earning.","start":524.93,"end":540.72003,"sentiment":"neutral","sentiment_score":0.13252884128855336},{"text":"So along with the the growth of the so it basically becomes an investment account.","start":541.5,"end":545.68,"sentiment":"neutral","sentiment_score":0.10192305967211723},{"text":"The downside is is that it's an application to be able to apply to get the money out.","start":546.62,"end":551.535,"sentiment":"neutral","sentiment_score":-0.27508904453780914},{"text":"The ATO can actually decline you.","start":551.69495,"end":553.875,"sentiment":"negative","sentiment_score":-0.3696654438972473},{"text":"It has its limitations.","start":555.055,"end":556.355,"sentiment":"negative","sentiment_score":-0.42782720923423767}],"sentiment":"neutral","sentiment_score":-0.0814186764545128,"num_words":61,"start":524.93,"end":556.355},{"sentences":[{"text":"There's not always guarantees that it's gonna grow.","start":556.65497,"end":559.07495,"sentiment":"neutral","sentiment_score":-0.2819844614714384},{"text":"And at the moment, like, I wanted to make sure that you guys could stabilize cash flow wise before we go and kind of jump into, like, a big move like that.","start":560.415,"end":569.7,"sentiment":"neutral","sentiment_score":0.008369970775675029},{"text":"Even though I know that we want to buy the house, if the money is in your super fund, you do not have flexibility to just pull it out whenever you want.","start":570.48004,"end":577.84,"sentiment":"neutral","sentiment_score":-0.059669953770935535},{"text":"It's there and it's done Unless you you meet the requirements to actually pull it out under the First Home Super Savers, it's just not you know, it's not easy and you can't do it on a dime.","start":577.84,"end":588.695,"sentiment":"neutral","sentiment_score":-0.15926201764102044},{"text":"So if you guys turn around and go, we found the perfect pathway and we're done, you could get locked up with being unable to remove your money for ninety days, which purchasing a house, usually, you're looking at, like, thirty day contracts or fourteen day finance generally.","start":588.695,"end":603.07,"sentiment":"neutral","sentiment_score":0.02427990435777853}],"sentiment":"neutral","sentiment_score":-0.05559491397978007,"num_words":158,"start":556.65497,"end":603.07},{"sentences":[{"text":"So it's just really restrictive.","start":603.61,"end":605.07,"sentiment":"neutral","sentiment_score":-0.197946760058403},{"text":"Definitely something we can look at if you are interested in it, but I did discount it just at the moment just to allow you to kinda stabilize and maybe we look at it in six to twelve months if it's something you guys are keen on.","start":606.54504,"end":618.84,"sentiment":"neutral","sentiment_score":0.018429660733709944},{"text":"Bank account because bank accounts run off the cash rate.","start":631.16003,"end":634.365,"sentiment":"neutral","sentiment_score":-0.02958826068788767},{"text":"So it's, like, 3% versus in your super funds, it's based on the investment returns within your fund.","start":634.98505,"end":642.685,"sentiment":"neutral","sentiment_score":-0.0012222577610777486},{"text":"So historically, both of your funds have kind of run at, like, the nine ish percent mark.","start":642.905,"end":649.34,"sentiment":"neutral","sentiment_score":-0.018212475211304778}],"sentiment":"neutral","sentiment_score":-0.007742629597712423,"num_words":97,"start":603.61,"end":649.34},{"sentences":[{"text":"Whereas so but, again, it it's not guaranteed.","start":651.24,"end":655.1,"sentiment":"neutral","sentiment_score":-0.1653500348329544},{"text":"Investments change and fluctuate and sometimes you have a bad year.","start":655.88,"end":660.3,"sentiment":"neutral","sentiment_score":-0.2943271818486127},{"text":"So there's that.","start":663.705,"end":664.585,"sentiment":"neutral","sentiment_score":0.012453844770789146},{"text":"The Yep.","start":664.585,"end":672.105,"sentiment":"neutral","sentiment_score":0.054481279104948044},{"text":"Yes.","start":672.105,"end":672.34503,"sentiment":"neutral","sentiment_score":0.10926910489797592}],"sentiment":"neutral","sentiment_score":-0.17219224326312543,"num_words":25,"start":651.24,"end":672.34503},{"sentences":[{"text":"High interest savings account.","start":672.34503,"end":673.625,"sentiment":"neutral","sentiment_score":0.09372950345277786},{"text":"Yep.","start":673.625,"end":674.125,"sentiment":"neutral","sentiment_score":0.1709900200366974},{"text":"Yes.","start":674.665,"end":674.94,"sentiment":"positive","sentiment_score":0.34703201055526733},{"text":"So if there's any ever anything that you wanna do, you are able to to just pull it up.","start":680.86,"end":685.36,"sentiment":"neutral","sentiment_score":0.25153384396904394},{"text":"Yeah.","start":687.98,"end":688.48,"sentiment":"neutral","sentiment_score":0.12997391819953918}],"sentiment":"neutral","sentiment_score":0.22315603838517115,"num_words":26,"start":672.34503,"end":688.48},{"sentences":[{"text":"Yeah.","start":688.78,"end":689.1,"sentiment":"neutral","sentiment_score":0.20475831627845764},{"text":"Like, the ING account's fantastic.","start":689.1,"end":690.645,"sentiment":"positive","sentiment_score":0.7245086908340455},{"text":"And, yeah, you are corrected.","start":690.865,"end":692.165,"sentiment":"positive","sentiment_score":0.4404960095882416},{"text":"ING the ING saver accounts are higher than a normal bank account.","start":692.78503,"end":696.805,"sentiment":"neutral","sentiment_score":0.18723593093454838},{"text":"They're specifically set up like that because, ultimately, what ING do is ING actually invest your money in the back end.","start":696.945,"end":704.66,"sentiment":"neutral","sentiment_score":0.14426766087611517}],"sentiment":"neutral","sentiment_score":0.25695986063642934,"num_words":44,"start":688.78,"end":704.66},{"sentences":[{"text":"They guarantee you the 5%, and they, you know, they walk away with whatever they make over that.","start":704.95996,"end":711.6,"sentiment":"neutral","sentiment_score":0.11814376794629627},{"text":"So they may may have made 20%.","start":711.6,"end":713.45996,"sentiment":"neutral","sentiment_score":0.09549933991261891},{"text":"They walk away with that earnings, and you walk away with your guaranteed five.","start":714.32,"end":718.1,"sentiment":"neutral","sentiment_score":0.21823435170309885},{"text":"Very, very much a safe option.","start":718.56,"end":721.435,"sentiment":"positive","sentiment_score":0.6386214296023051},{"text":"They're taking the risk because ultimately, if the market tanks it, they make 2%.","start":722.055,"end":726.95496,"sentiment":"neutral","sentiment_score":0.001141817175916263}],"sentiment":"neutral","sentiment_score":0.16437420583630014,"num_words":59,"start":704.95996,"end":726.95496},{"sentences":[{"text":"They still have to guarantee you you five.","start":727.415,"end":730.15497,"sentiment":"neutral","sentiment_score":0.034948536194860935},{"text":"So they're hedging their bets.","start":732.055,"end":733.44,"sentiment":"neutral","sentiment_score":-0.013542206306010485},{"text":"Yeah.","start":734.96,"end":735.46,"sentiment":"neutral","sentiment_score":0.0828045979142189},{"text":"I do all kinds of fun things.","start":737.12,"end":739.06,"sentiment":"neutral","sentiment_score":0.15911032259464264},{"text":"Some deposits work the same way as well.","start":739.68,"end":741.78,"sentiment":"neutral","sentiment_score":0.10007449053227901}],"sentiment":"neutral","sentiment_score":0.0761741392539236,"num_words":29,"start":727.415,"end":741.78},{"sentences":[{"text":"So the term deposit, you know, you put x amount of money in.","start":741.84,"end":745.52,"sentiment":"neutral","sentiment_score":0.0583926121202799},{"text":"You can't attach that money for three, six, nine, twelve months, whatever the case may be, whatever the term of the contract is, and you are guaranteed to get x amount of money back.","start":745.52,"end":756.13495,"sentiment":"neutral","sentiment_score":0.07095956616103649},{"text":"What happens is the bank generally basically either invests it or they loan that money out to someone else.","start":756.13495,"end":764.07,"sentiment":"neutral","sentiment_score":0.006233324541857368},{"text":"They get paid interest from that loan, and then they pass some of the interest onto you.","start":764.13,"end":770.15,"sentiment":"neutral","sentiment_score":0.01119425060117946},{"text":"Yeah.","start":774.53,"end":775.03,"sentiment":"neutral","sentiment_score":0.1800503432750702}],"sentiment":"neutral","sentiment_score":0.043577559247967745,"num_words":84,"start":741.84,"end":775.03},{"sentences":[{"text":"Can be fun.","start":776.84503,"end":777.745,"sentiment":"neutral","sentiment_score":0.23052450021107992},{"text":"So yeah.","start":778.365,"end":778.925,"sentiment":"neutral","sentiment_score":0.14162017405033112},{"text":"So if you're comfortable with the ING account set up that you have, realistically, it's guaranteed returns.","start":778.925,"end":783.885,"sentiment":"neutral","sentiment_score":0.19514567580293207},{"text":"It's a little bit safer, and you guys have that access as well, which is really But I just and, like, I have recommended it to clients before.","start":783.885,"end":801.08,"sentiment":"neutral","sentiment_score":0.19343495315739087},{"text":"I just didn't feel at the moment until you guys are really stabilized with, you know, purchasing the car and sort of being in your jobs for, you know, an extended period of time, that it was probably the safest initial move.","start":801.08,"end":815.095,"sentiment":"neutral","sentiment_score":0.0734974303770633}],"sentiment":"neutral","sentiment_score":0.13908001197421033,"num_words":92,"start":776.84503,"end":815.095},{"sentences":[{"text":"And with some of the recommendations I've already put in the document, I didn't wanna scare you.","start":815.39496,"end":824.50995,"sentiment":"neutral","sentiment_score":0.058429831693715906},{"text":"So let's jump in.","start":824.50995,"end":825.97,"sentiment":"positive","sentiment_score":0.38959360122680664},{"text":"Cool.","start":828.18994,"end":828.68994,"sentiment":"neutral","sentiment_score":0.0857681930065155},{"text":"Well, let's jump into the actual document and run through it.","start":828.75,"end":832.485,"sentiment":"neutral","sentiment_score":0.05503639358688484},{"text":"The first few pages are basically the information that you provided when you're talking.","start":832.725,"end":838.64496,"sentiment":"neutral","sentiment_score":0.0802467271153416}],"sentiment":"neutral","sentiment_score":0.09290009033568997,"num_words":47,"start":815.39496,"end":838.64496},{"sentences":[{"text":"So the scope of the advice was basically considered around super insurance.","start":838.64496,"end":843.14496,"sentiment":"neutral","sentiment_score":0.09756403354307015},{"text":"You know, we did obviously talk about the debt management, the house purchase, car purchase, stuff like that.","start":844.165,"end":848.53,"sentiment":"neutral","sentiment_score":0.03647201197842757},{"text":"And that was all sort of through being able to be Other than that, page six and seven is sort of just where your current position stands.","start":848.99,"end":862.52496,"sentiment":"neutral","sentiment_score":0.03731801119391565},{"text":"So where, you know, the details of your incomes and and position, your lifestyle assets, and your superannuation fund.","start":862.52496,"end":870.14496,"sentiment":"neutral","sentiment_score":0.07485820882414516},{"text":"With both of your superannuation fund, neither of your statements had your insurance.","start":872.445,"end":878.91003,"sentiment":"neutral","sentiment_score":-0.004080531688836903}],"sentiment":"neutral","sentiment_score":0.04723719074233864,"num_words":89,"start":838.64496,"end":878.91003},{"sentences":[{"text":"So what I've done is I've gone straight to the PDF, and based on your ages, the default insurance benefits would be as what is disclosed on page eight.","start":878.91003,"end":889.475,"sentiment":"neutral","sentiment_score":0.18337453799001102},{"text":"So that is what the fund would, at a standard amount, enable us to apply for without having to go through any applications.","start":890.015,"end":897.235,"sentiment":"neutral","sentiment_score":0.25830237146305},{"text":"So not really a massive amount of money in comparison to what we did discuss with with sort of looking around that million dollar.","start":897.935,"end":906.88,"sentiment":"neutral","sentiment_score":-0.057669907032201685},{"text":"Now from there, what we what I sort of looked at was where your super funds sit currently.","start":909.34,"end":916.925,"sentiment":"neutral","sentiment_score":0.04052237773107158},{"text":"Now I wanna preface this with the fact that I'm well aware that these documents are hefty in size, and I wish that I could make them smaller.","start":917.78503,"end":926.445,"sentiment":"neutral","sentiment_score":-0.18884318667863095}],"sentiment":"neutral","sentiment_score":0.04357813072742009,"num_words":122,"start":878.91003,"end":926.445},{"sentences":[{"text":"But, legislatively, I have to include all of the rigmarole that it does include.","start":926.585,"end":930.84503,"sentiment":"neutral","sentiment_score":-0.07320752420595714},{"text":"But it comes down to at the nuts and bolts.","start":931.76,"end":934.5,"sentiment":"neutral","sentiment_score":-0.038869697414338586},{"text":"You are both long term investors when it comes to your superannuation.","start":935.12,"end":938.58,"sentiment":"neutral","sentiment_score":-0.008189416180054346},{"text":"With your superannuation, it is something that you cannot touch for a very long time.","start":940.16,"end":945.14,"sentiment":"neutral","sentiment_score":-0.2506778448820114},{"text":"Unless extenuating circumstances are released, such as Adam being able to pull money out during COVID.","start":946.375,"end":953.895,"sentiment":"negative","sentiment_score":-0.41467178985476494}],"sentiment":"neutral","sentiment_score":-0.177713307732744,"num_words":67,"start":926.585,"end":953.895},{"sentences":[{"text":"You know, that was something that that was a parameter that opened up.","start":953.895,"end":957.73505,"sentiment":"neutral","sentiment_score":-0.22571749870593733},{"text":"Not generally something that is allowed, but there are certain circumstances that do allow you to to access.","start":957.73505,"end":963.97,"sentiment":"neutral","sentiment_score":-0.2930053249001503},{"text":"Now what I looked at for Adam and based on current balance and the current position of the funds, it does currently have insurance.","start":964.82996,"end":974.20996,"sentiment":"neutral","sentiment_score":-0.16092879977077246},{"text":"It is very limited insurance.","start":974.43,"end":975.97,"sentiment":"negative","sentiment_score":-0.639045512676239},{"text":"It is not receiving any contributions, which I already know based on our conversation and the self employment, the previous travel, so on and so forth.","start":976.935,"end":986.795,"sentiment":"neutral","sentiment_score":-0.2374276536015364}],"sentiment":"neutral","sentiment_score":-0.24929140794069268,"num_words":86,"start":953.895,"end":986.795},{"sentences":[{"text":"The recommendations fall down to two simple things for Adam is that the money that you have built needs to stay with Mercer at the moment.","start":988.45496,"end":997.77,"sentiment":"neutral","sentiment_score":-0.11675532735311069},{"text":"Whilst I would love to and did look at alternative funds, the balance that you have does not really allow for any massive diversity of investing.","start":998.63,"end":1008.695,"sentiment":"neutral","sentiment_score":-0.2476543625100301},{"text":"So using stocks and stuff like that isn't really open at the moment based on where you sit.","start":1009.235,"end":1015.17,"sentiment":"neutral","sentiment_score":-0.27725158052312004},{"text":"What I do wanna do, and a 100% happy to help you out and want to help you out getting that done, is to alter the investment that you currently have.","start":1015.88995,"end":1024.63,"sentiment":"positive","sentiment_score":0.39475678844797996},{"text":"Currently, the investment that you have in place is a little bit more conservative than what I would want you to be in, and what I wanna do is I wanna increase that risk.","start":1024.77,"end":1034.895,"sentiment":"neutral","sentiment_score":-0.18462619448409362}],"sentiment":"neutral","sentiment_score":-0.063000078195775,"num_words":135,"start":988.45496,"end":1034.895},{"sentences":[{"text":"So it's basically putting more asset into equities, like your global Australian equities to enable you to actually have the growth backing.","start":1035.355,"end":1046.22,"sentiment":"neutral","sentiment_score":0.12652684612707657},{"text":"Currently, with your Mercer Fund, you're in what they call, like, their my super or their smart path option, which is basically your age.","start":1047.4,"end":1059.4149,"sentiment":"neutral","sentiment_score":0.08442156994715333},{"text":"I wanna remove you out of that because what happens is as we get older, they slowly start decreasing the risk, which is it's cool.","start":1060.2749,"end":1069.02,"sentiment":"neutral","sentiment_score":0.11455202549695968},{"text":"It's basically like a bit of a bell curve as when we're young, they have, you know, high risk.","start":1069.02,"end":1073.5,"sentiment":"neutral","sentiment_score":0.11331668809840553},{"text":"And then when we hit about 45, they start slowly decreasing the risk because according to the minds that be, what happens, we hit 45 as we've got all our stuff sorted, and and ultimately, we should be paying our debts off and consolidating everything.","start":1073.5,"end":1089.345,"sentiment":"neutral","sentiment_score":0.17705544233322143}],"sentiment":"neutral","sentiment_score":0.13180756229493354,"num_words":135,"start":1035.355,"end":1089.345},{"sentences":[{"text":"And, you know, we're no longer taking on debts, and that's kind of how life should roll.","start":1089.345,"end":1094.53,"sentiment":"neutral","sentiment_score":0.1625654359950739},{"text":"It's not how life rolls, but that's how they put it.","start":1094.53,"end":1098.71,"sentiment":"neutral","sentiment_score":0.031340427146377886},{"text":"So what I wanna do is basically take the money because you're probably a 100% within that one fund and split you out over three different holdings.","start":1098.93,"end":1109.685,"sentiment":"neutral","sentiment_score":0.20551295744048226},{"text":"One is like the them it's still a sort of mixed it's called a mixed asset portfolio.","start":1110.5651,"end":1119.7051,"sentiment":"neutral","sentiment_score":0.055827273603747875},{"text":"It's a there's a high growth portfolio.","start":1120.005,"end":1122.66,"sentiment":"neutral","sentiment_score":0.05614203613783632}],"sentiment":"neutral","sentiment_score":0.12657297298288608,"num_words":79,"start":1089.345,"end":1122.66},{"sentences":[{"text":"Put you 50% in there, and then the other 50% split evenly between Australian international shares just to push you back into that threshold.","start":1122.66,"end":1130.4401,"sentiment":"neutral","sentiment_score":0.1766680454214414},{"text":"So that way, you're sitting more towards, like, a 95% invested in the market, and you've only got a little bit sitting defensively.","start":1131.2201,"end":1139.4451,"sentiment":"positive","sentiment_score":0.3567557833764864},{"text":"You're always gonna need defensive assets, but we don't wanna have too much sitting defensive because currently, you've got all percent sitting defensively.","start":1140.465,"end":1149.525,"sentiment":"neutral","sentiment_score":0.0912551191513953},{"text":"Majority of it's sitting sort of in your alternative defensive asset.","start":1150.11,"end":1154.37,"sentiment":"neutral","sentiment_score":0.20399915833364834},{"text":"You've got some defensive property as well, but I wanna sort of push more of it into that that growth.","start":1154.51,"end":1160.93,"sentiment":"neutral","sentiment_score":0.2466379314661026}],"sentiment":"neutral","sentiment_score":0.21505973484404017,"num_words":101,"start":1122.66,"end":1160.93},{"sentences":[{"text":"So that's nice and easy, and I can do that for you.","start":1164.395,"end":1167.215,"sentiment":"positive","sentiment_score":0.7321460644404093},{"text":"Either you if you're willing or happy to, you can do it on the portal.","start":1167.275,"end":1170.175,"sentiment":"neutral","sentiment_score":0.16757800976435344},{"text":"To save you needing to navigate that, there's a form I can send you.","start":1170.555,"end":1173.835,"sentiment":"neutral","sentiment_score":0.12601386915360177},{"text":"Unfortunately, it does have to be wet signed, so pen to paper signed, but I can send it to you by post.","start":1173.835,"end":1178.415,"sentiment":"neutral","sentiment_score":-0.0653992456130006},{"text":"We can sign it, and we can submit it to us off.","start":1179.72,"end":1183.1,"sentiment":"neutral","sentiment_score":0.054219126080473266}],"sentiment":"neutral","sentiment_score":0.1636728426317374,"num_words":75,"start":1164.395,"end":1183.1},{"sentences":[{"text":"It'll mean that the current investment and all future investments moved into that new allocation.","start":1183.3201,"end":1188.54,"sentiment":"neutral","sentiment_score":0.17259113788604735},{"text":"And then we can just touch base each year, make sure that everything's tracking on well.","start":1189.3201,"end":1193.6549,"sentiment":"neutral","sentiment_score":0.25242644269019365},{"text":"And when the funds gets to a point where we can do more with it, we will.","start":1193.7949,"end":1199.815,"sentiment":"neutral","sentiment_score":0.16723077788072474},{"text":"So when the balance increases to a point where we can actually start investing in a more ergonomic way, But for now, this is gonna give you the best opportunity to just get that balance up in line with that.","start":1200.195,"end":1216.5901,"sentiment":"neutral","sentiment_score":0.2404973914846778},{"text":"And if you're reading the document, I am very much going all over the place because while the document's in one order, my brain's in another.","start":1217.4501,"end":1224.9049,"sentiment":"neutral","sentiment_score":-0.07414631688824067}],"sentiment":"neutral","sentiment_score":0.15055004206665776,"num_words":114,"start":1183.3201,"end":1224.9049},{"sentences":[{"text":"Even though I broke the document, in line with that, what we do need to do is we do need to start contributing to the fund.","start":1225.0449,"end":1233.45,"sentiment":"neutral","sentiment_score":0.02789054295191398},{"text":"So currently, legislation stipulates 12%.","start":1235.37,"end":1240.19,"sentiment":"neutral","sentiment_score":0.019469378888607024},{"text":"I would like you to get to the point where you are making 12% contributions.","start":1240.8099,"end":1245.23,"sentiment":"neutral","sentiment_score":0.16157182902097703},{"text":"But I am reasonable in the fact that you are trying to save towards the house as well.","start":1248.105,"end":1254.6849,"sentiment":"positive","sentiment_score":0.39412520163589054},{"text":"So there's one of two options that we have.","start":1256.9049,"end":1259.4,"sentiment":"neutral","sentiment_score":0.17236162142621148}],"sentiment":"neutral","sentiment_score":0.16289844751766283,"num_words":73,"start":1225.0449,"end":1259.4},{"sentences":[{"text":"I have recommended 12 because I need to, and, also, it does give you the best outcome.","start":1259.4,"end":1266.14,"sentiment":"positive","sentiment_score":0.40082163845791535},{"text":"If I could say, you know, more money, I would.","start":1266.68,"end":1269.18,"sentiment":"positive","sentiment_score":0.35708670169115064},{"text":"Mhmm.","start":1269.7201,"end":1269.9601,"sentiment":"positive","sentiment_score":0.3495332896709442},{"text":"And that's purely and simply because it's gonna allow you to actually build it.","start":1269.9601,"end":1274.14,"sentiment":"positive","sentiment_score":0.5543423422745296},{"text":"So it's gonna support the insurance premiums that I'm recommending that we start taking on.","start":1274.735,"end":1279.155,"sentiment":"positive","sentiment_score":0.5823690017064412}],"sentiment":"positive","sentiment_score":0.4777315083825797,"num_words":57,"start":1259.4,"end":1279.155},{"sentences":[{"text":"Now 12% of your income, because your income's high, means that we're putting quite a bit of money in.","start":1283.295,"end":1290.69,"sentiment":"neutral","sentiment_score":0.32378321964489787},{"text":"We're putting, like, $20 in a year.","start":1290.69,"end":1293.11,"sentiment":"neutral","sentiment_score":0.28697362542152405},{"text":"How comfortable are you with that?","start":1295.25,"end":1297.19,"sentiment":"positive","sentiment_score":0.39701035618782043},{"text":"What we do or how we structure it is basically under the business.","start":1325.0701,"end":1329.7301,"sentiment":"neutral","sentiment_score":0.28120286074968487},{"text":"But and, again, I know it's it's very much ABN wise, but we structure it to the point where, you know, because you get paid because you get paid through an ABN, you need to sort of generally try and make sure you're taking care of any taxes and stuff like that.","start":1332.625,"end":1348.1,"sentiment":"neutral","sentiment_score":0.11171405432889095}],"sentiment":"neutral","sentiment_score":0.2062631618884421,"num_words":97,"start":1283.295,"end":1348.1},{"sentences":[{"text":"Outside of taxes and if you have a good accountant that's working with you, they will generally be they will generally make sure that you put tax to the side.","start":1351.6799,"end":1360.675,"sentiment":"neutral","sentiment_score":0.128418547163407},{"text":"So don't wait for the tax bill to come.","start":1360.975,"end":1362.735,"sentiment":"neutral","sentiment_score":0.09084960238801108},{"text":"Have an account that you put your your tax money aside into.","start":1362.735,"end":1365.955,"sentiment":"neutral","sentiment_score":0.184426070501407},{"text":"Do the same thing with your superannuation.","start":1367.375,"end":1368.915,"sentiment":"neutral","sentiment_score":0.2721455012048994},{"text":"So that way every quarter when you sit down and do your BAS, you pay your BAS, and you put the money into your superannuation fund at the same time.","start":1369.855,"end":1376.97,"sentiment":"neutral","sentiment_score":0.22132811695337296}],"sentiment":"neutral","sentiment_score":0.17532020113007588,"num_words":88,"start":1351.6799,"end":1376.97},{"sentences":[{"text":"K?","start":1380.87,"end":1381.19,"sentiment":"neutral","sentiment_score":0.15482017397880554},{"text":"So it's just a matter of just structuring it in a sound way.","start":1381.19,"end":1386.09,"sentiment":"neutral","sentiment_score":0.2694676862313197},{"text":"Now, generally, it's easier to kinda roll with 10%.","start":1386.225,"end":1392.885,"sentiment":"neutral","sentiment_score":0.3035445875591702},{"text":"That way, it's 10% of whatever I got whatever I earned out of that pay run goes over there into that account for my super.","start":1393.1849,"end":1402.65,"sentiment":"positive","sentiment_score":0.3549297571182251},{"text":"And I would be willing to begin with while you get yourself set up to to pay, go with 10%.","start":1403.99,"end":1410.65,"sentiment":"neutral","sentiment_score":0.1454266145825386}],"sentiment":"neutral","sentiment_score":0.2672290823915425,"num_words":68,"start":1380.87,"end":1410.65},{"sentences":[{"text":"Go with 10%.","start":1411.27,"end":1412.07,"sentiment":"neutral","sentiment_score":0.14289098729689917},{"text":"It's an easy round figure for you to be able to calculate and and pop into that that account.","start":1412.07,"end":1418.465,"sentiment":"neutral","sentiment_score":0.29199221808659404},{"text":"And then each quarter, pay it.","start":1418.6849,"end":1421.105,"sentiment":"neutral","sentiment_score":0.18782135347525278},{"text":"I will give you the details to be able to pay into pay into, like, a super fund.","start":1421.1649,"end":1430.5599,"sentiment":"neutral","sentiment_score":0.32347637828853393},{"text":"So that way, it can all go that way.","start":1431.34,"end":1433.2,"sentiment":"positive","sentiment_score":0.3389301366276211}],"sentiment":"neutral","sentiment_score":0.29047998664054003,"num_words":55,"start":1411.27,"end":1433.2},{"sentences":[{"text":"If you don't wanna pay it that way and because I I know you have an you have an accountant.","start":1433.66,"end":1438.32,"sentiment":"neutral","sentiment_score":-0.07023446206003428},{"text":"You did have an accountant, and I'm not misremembering that.","start":1440.595,"end":1443.475,"sentiment":"neutral","sentiment_score":-0.03390583395957947},{"text":"Right?","start":1443.475,"end":1443.975,"sentiment":"neutral","sentiment_score":-0.011499429121613504},{"text":"Yeah.","start":1446.755,"end":1447.075,"sentiment":"neutral","sentiment_score":0.10636481642723083},{"text":"Cool.","start":1447.075,"end":1447.475,"sentiment":"neutral","sentiment_score":0.2338467240333557}],"sentiment":"neutral","sentiment_score":-0.04287986271083355,"num_words":33,"start":1433.66,"end":1447.475},{"sentences":[{"text":"And you had a good accountant that you liked, which is why you didn't want any of my accountant recommend hey.","start":1447.475,"end":1452.215,"sentiment":"neutral","sentiment_score":-0.0017924790403672627},{"text":"You know, I remembered something.","start":1453.315,"end":1454.615,"sentiment":"neutral","sentiment_score":-0.10657864212989807},{"text":"We're not liking him.","start":1460.77,"end":1461.99,"sentiment":"negative","sentiment_score":-0.459572434425354},{"text":"Look.","start":1467.97,"end":1468.365,"sentiment":"neutral","sentiment_score":-0.09279179573059082},{"text":"Most accountants are in my book.","start":1470.845,"end":1472.705,"sentiment":"neutral","sentiment_score":-0.2038076544801394}],"sentiment":"neutral","sentiment_score":-0.100661154886758,"num_words":37,"start":1447.475,"end":1472.705},{"sentences":[{"text":"Most accountants are crap in my book.","start":1475.245,"end":1477.1849,"sentiment":"negative","sentiment_score":-0.6428174461637225},{"text":"Like, they hit me to tears, and now they never call you back when you need them to.","start":1477.325,"end":1481.105,"sentiment":"negative","sentiment_score":-0.6169965267181396},{"text":"It comes down to Yeah.","start":1496.335,"end":1500.835,"sentiment":"negative","sentiment_score":-0.3382705241441727},{"text":"So it's been a long time.","start":1501.695,"end":1504.115,"sentiment":"neutral","sentiment_score":-0.15124515195687613},{"text":"Yeah.","start":1504.815,"end":1505.315,"sentiment":"neutral","sentiment_score":-0.035821329802274704}],"sentiment":"negative","sentiment_score":-0.49298120179289096,"num_words":37,"start":1475.245,"end":1505.315},{"sentences":[{"text":"Yeah.","start":1505.375,"end":1505.695,"sentiment":"neutral","sentiment_score":-0.0254223570227623},{"text":"Especially so it comes out of two things, time, effort, and knowledge.","start":1505.695,"end":1509.5801,"sentiment":"neutral","sentiment_score":-0.008648920338600874},{"text":"Do you have the time to do your bath?","start":1509.88,"end":1511.74,"sentiment":"neutral","sentiment_score":-0.007816460811429553},{"text":"Do you have the effort to want like, to even want to do it?","start":1512.2001,"end":1515.8201,"sentiment":"neutral","sentiment_score":-0.06652075318353516},{"text":"And do you have the knowledge to be able to do it?","start":1517.0801,"end":1519.8201,"sentiment":"neutral","sentiment_score":-0.03431141438583533}],"sentiment":"neutral","sentiment_score":-0.03213718886642406,"num_words":48,"start":1505.375,"end":1519.8201},{"sentences":[{"text":"Like me, I can mow my lawn.","start":1520.2001,"end":1521.985,"sentiment":"neutral","sentiment_score":-0.046116559367094724},{"text":"I have I have the I have the knowledge on how to mow my lawn, still force my 12 year old to do it and pay him for the privilege.","start":1521.985,"end":1529.365,"sentiment":"neutral","sentiment_score":0.0692101513966918},{"text":"So it it it comes down to those three factors.","start":1531.905,"end":1535.01,"sentiment":"neutral","sentiment_score":0.09370935037732124},{"text":"Generally, with any business related aspect is do you have the time to do it?","start":1535.23,"end":1540.93,"sentiment":"neutral","sentiment_score":0.09459490676720937},{"text":"If you do, that's fantastic.","start":1542.11,"end":1543.65,"sentiment":"positive","sentiment_score":0.6441268563270569}],"sentiment":"neutral","sentiment_score":0.10940507482459295,"num_words":67,"start":1520.2001,"end":1543.65},{"sentences":[{"text":"Do you have the knowledge to do it?","start":1544.35,"end":1545.79,"sentiment":"neutral","sentiment_score":0.26950856670737267},{"text":"If you don't, maybe it's something that you spend the next six months every time the accountant does the BAS.","start":1545.79,"end":1551.295,"sentiment":"neutral","sentiment_score":0.10217868089675904},{"text":"You just inquire a little bit more, learn more, expand your knowledge bases, do the research into how to do it, make sure that you're doing it on time, make sure you set, you know, calendar reminders for yourself to do it.","start":1551.515,"end":1563.2101,"sentiment":"neutral","sentiment_score":0.1614381724170276},{"text":"100%.","start":1563.2101,"end":1563.77,"sentiment":"neutral","sentiment_score":0.21117734909057617},{"text":"It's a massive savings fund wise.","start":1563.77,"end":1566.03,"sentiment":"neutral","sentiment_score":0.11335201685627301}],"sentiment":"neutral","sentiment_score":0.15417317978360437,"num_words":77,"start":1544.35,"end":1566.03},{"sentences":[{"text":"But it's saying, yeah, I'm gonna save the money and and and I'll do this myself and then actually doing it, two different things.","start":1566.65,"end":1575.485,"sentiment":"neutral","sentiment_score":0.05463381251320243},{"text":"Now if you don't like your accountant, I have worked with many accounts that I actually do like.","start":1577.385,"end":1583.0851,"sentiment":"neutral","sentiment_score":-0.05439652481840716},{"text":"They are Gold Coast based, which because you're in Tella, that kinda sucks.","start":1588.04,"end":1593.98,"sentiment":"neutral","sentiment_score":-0.19314356033618635},{"text":"Like, most accountants do everything over the phone.","start":1596.92,"end":1599.0,"sentiment":"neutral","sentiment_score":-0.17515278235077858},{"text":"I haven't seen my accountant in ten years, and I've been working with her twelve.","start":1599.0,"end":1602.605,"sentiment":"neutral","sentiment_score":-0.07462065468231836}],"sentiment":"neutral","sentiment_score":-0.06024774756187048,"num_words":78,"start":1566.65,"end":1602.605},{"sentences":[{"text":"She works up in Brisbane.","start":1603.305,"end":1604.525,"sentiment":"neutral","sentiment_score":0.007501132227480412},{"text":"It's the, like, West Brisbane.","start":1605.385,"end":1607.805,"sentiment":"neutral","sentiment_score":0.022883998230099678},{"text":"I just email her, and I'm like, here's everything.","start":1609.305,"end":1611.0651,"sentiment":"neutral","sentiment_score":0.04522106217013465},{"text":"Thanks.","start":1611.0651,"end":1611.385,"sentiment":"neutral","sentiment_score":0.1786353886127472},{"text":"Bye.","start":1611.385,"end":1611.885,"sentiment":"neutral","sentiment_score":0.0802704393863678}],"sentiment":"neutral","sentiment_score":0.038943859038963205,"num_words":21,"start":1603.305,"end":1611.885},{"sentences":[{"text":"But yeah.","start":1615.1799,"end":1616.94,"sentiment":"neutral","sentiment_score":-0.0017805686220526695},{"text":"Like, I have an account in here on the Gold Coast that I have recommended and a few of my clients do.","start":1616.94,"end":1622.0,"sentiment":"neutral","sentiment_score":0.028433158274062655},{"text":"Look.","start":1622.62,"end":1622.86,"sentiment":"neutral","sentiment_score":-0.010752815753221512},{"text":"You can use my account that I've used for twelve years, but you're not gonna like her cost.","start":1622.86,"end":1626.8151,"sentiment":"neutral","sentiment_score":-0.07239154457218117},{"text":"I can tell you that much.","start":1626.8151,"end":1628.0751,"sentiment":"neutral","sentiment_score":-0.10543618227044742}],"sentiment":"neutral","sentiment_score":-0.027029578916120286,"num_words":49,"start":1615.1799,"end":1628.0751},{"sentences":[{"text":"Right.","start":1628.4551,"end":1628.9551,"sentiment":"neutral","sentiment_score":-0.18055760860443115},{"text":"I don't like her cost.","start":1629.015,"end":1630.055,"sentiment":"negative","sentiment_score":-0.3346923291683197},{"text":"I'm just stubborn, and I've been with her for too long to have the even consider moving.","start":1630.055,"end":1634.9551,"sentiment":"neutral","sentiment_score":-0.2591365724802017},{"text":"But if you do wanna review it, just let me know, and I can find out what they charge for BAS and stuff like that and let you know.","start":1636.935,"end":1642.4901,"sentiment":"neutral","sentiment_score":-0.016127491947905772},{"text":"But yeah.","start":1646.79,"end":1647.93,"sentiment":"neutral","sentiment_score":0.0057627432979643345}],"sentiment":"neutral","sentiment_score":-0.12436134752782958,"num_words":54,"start":1628.4551,"end":1647.93},{"sentences":[{"text":"Contributions?","start":1649.9901,"end":1650.4901,"sentiment":"neutral","sentiment_score":-0.06099730730056763},{"text":"Sorry.","start":1650.9501,"end":1651.43,"sentiment":"neutral","sentiment_score":-0.25800323486328125},{"text":"So off track.","start":1651.43,"end":1652.3301,"sentiment":"neutral","sentiment_score":-0.2865999738375346},{"text":"Contributions are definitely a need to have.","start":1654.965,"end":1657.305,"sentiment":"neutral","sentiment_score":0.09920962580612727},{"text":"Because otherwise, we're just gonna end up yes.","start":1657.845,"end":1665.96,"sentiment":"neutral","sentiment_score":-0.14483451936393976}],"sentiment":"neutral","sentiment_score":-0.08215046189725399,"num_words":20,"start":1649.9901,"end":1665.96},{"sentences":[{"text":"After your tax bill.","start":1668.2,"end":1670.14,"sentiment":"neutral","sentiment_score":-0.038675108924508095},{"text":"After your tax bill.","start":1670.6,"end":1672.0599,"sentiment":"neutral","sentiment_score":-0.024807842448353767},{"text":"So get let's get our tax bill, and that's what I mean about let's stabilize our finances is let's get our tax bill sorted and paid off.","start":1672.2,"end":1680.245,"sentiment":"neutral","sentiment_score":0.09414342942613142},{"text":"And then once our tax bill's sorted and paid off somewhere a little bit more stable and we're putting money away to keep on top of that our taxes and able to put a little bit more money away into those avenues, we start making the contributions.","start":1680.305,"end":1694.3501,"sentiment":"neutral","sentiment_score":0.1437342917506999},{"text":"So it's not gonna be something that we, you know, pick up tomorrow and say let's start paying.","start":1694.4901,"end":1698.43,"sentiment":"neutral","sentiment_score":-0.09101523189908928}],"sentiment":"neutral","sentiment_score":0.0740517832711339,"num_words":100,"start":1668.2,"end":1698.43},{"sentences":[{"text":"It's let's just stabilize ourselves.","start":1698.81,"end":1701.79,"sentiment":"neutral","sentiment_score":0.02919005180010572},{"text":"Let's get the tax bill paid off.","start":1702.17,"end":1703.9501,"sentiment":"neutral","sentiment_score":0.01521179505756923},{"text":"Get a little bit more money sitting in that kitty in that savings account so we have a little little bit of room to move, breathe.","start":1704.5701,"end":1710.985,"sentiment":"neutral","sentiment_score":0.08629059458438021},{"text":"That way, if anything happens, I e, one of the car needs new tires.","start":1711.045,"end":1716.105,"sentiment":"neutral","sentiment_score":0.09911706910601684},{"text":"It's, you know, thousand dollar endeavor in and of itself.","start":1717.605,"end":1720.77,"sentiment":"neutral","sentiment_score":0.18681474924087524}],"sentiment":"neutral","sentiment_score":0.09277056037887721,"num_words":62,"start":1698.81,"end":1720.77},{"sentences":[{"text":"You have the money.","start":1722.13,"end":1723.09,"sentiment":"neutral","sentiment_score":0.0720011480152607},{"text":"You have the backing.","start":1723.09,"end":1724.0701,"sentiment":"neutral","sentiment_score":0.14231607131659985},{"text":"Yeah.","start":1749.555,"end":1750.055,"sentiment":"neutral","sentiment_score":-0.1198241412639618},{"text":"Why do I feel like $60 is where we're sitting?","start":1750.275,"end":1753.24,"sentiment":"neutral","sentiment_score":-0.2367278128862381},{"text":"Is it 40?","start":1755.86,"end":1756.6,"sentiment":"neutral","sentiment_score":-0.06568293770154317}],"sentiment":"neutral","sentiment_score":-0.08304010026834228,"num_words":22,"start":1722.13,"end":1756.6},{"sentences":[{"text":"60?","start":1756.98,"end":1757.48,"sentiment":"neutral","sentiment_score":-0.06365833431482315},{"text":"30 2.","start":1761.78,"end":1762.6,"sentiment":"neutral","sentiment_score":0.052613209933042526},{"text":"Alright.","start":1765.94,"end":1766.44,"sentiment":"neutral","sentiment_score":0.08510935306549072},{"text":"So it's gonna come down significantly.","start":1766.615,"end":1768.635,"sentiment":"neutral","sentiment_score":0.1978835662206014},{"text":"Yep.","start":1769.415,"end":1769.915,"sentiment":"neutral","sentiment_score":0.12769633531570437}],"sentiment":"neutral","sentiment_score":0.13106137920509686,"num_words":11,"start":1756.98,"end":1769.915},{"sentences":[{"text":"No.","start":1778.535,"end":1778.6951,"sentiment":"neutral","sentiment_score":-0.031009577214717865},{"text":"No.","start":1778.6951,"end":1779.0951,"sentiment":"neutral","sentiment_score":-0.06576374173164368},{"text":"That's perfect.","start":1779.0951,"end":1780.4551,"sentiment":"positive","sentiment_score":0.3762396574020386},{"text":"So we're gonna bring it right down.","start":1780.4551,"end":1782.18,"sentiment":"positive","sentiment_score":0.42107915452548433},{"text":"And, also, considering when I spoke to you guys literally the three months ago, we had $2 in savings.","start":1782.18,"end":1788.8401,"sentiment":"neutral","sentiment_score":0.2509576348881972}],"sentiment":"neutral","sentiment_score":0.2790485046803951,"num_words":30,"start":1778.535,"end":1788.8401},{"sentences":[{"text":"So the fact that we've gotten up to $16 total we're doing pretty well.","start":1789.06,"end":1793.88,"sentiment":"positive","sentiment_score":0.4952408777815955},{"text":"I'm doing really well.","start":1796.02,"end":1805.225,"sentiment":"neutral","sentiment_score":0.1201642956584692},{"text":"Yeah.","start":1805.225,"end":1805.725,"sentiment":"neutral","sentiment_score":0.1227460354566574},{"text":"Oh, you still have to live life.","start":1805.785,"end":1807.0651,"sentiment":"neutral","sentiment_score":0.17639062447207315},{"text":"You still have to have some freedom, but no, that that's perfect.","start":1807.0651,"end":1811.49,"sentiment":"neutral","sentiment_score":0.33091172700126964}],"sentiment":"positive","sentiment_score":0.3353276474303321,"num_words":38,"start":1789.06,"end":1811.49},{"sentences":[{"text":"The fact that you allowing yourself the the indulgence of his life, but you're still making good headway with savings.","start":1811.49,"end":1817.75,"sentiment":"positive","sentiment_score":0.46814249753952025},{"text":"I know your overheads are pretty low, so you do have the capacity to save, which is good.","start":1817.97,"end":1823.925,"sentiment":"neutral","sentiment_score":0.23271032836702135},{"text":"But, yeah, I think we just try and tackle that bill, which realistically, if you've been able to pay that, you've got what?","start":1824.9651,"end":1833.4451,"sentiment":"neutral","sentiment_score":0.05900604686821285},{"text":"Maybe if you're able to keep on that savings trajectory, got maybe three three more to three months, I think.","start":1833.4451,"end":1843.14,"sentiment":"neutral","sentiment_score":0.09940525237470865},{"text":"And that's Also making sure that you're putting money away to pay new ATO bills.","start":1844.24,"end":1857.595,"sentiment":"neutral","sentiment_score":0.08633117948969206}],"sentiment":"neutral","sentiment_score":0.18949841332505457,"num_words":96,"start":1811.49,"end":1857.595},{"sentences":[{"text":"So we're not just putting everything into that ATO debt because otherwise, all we're gonna do is pay off the old debt and incur a new one.","start":1858.215,"end":1868.0,"sentiment":"neutral","sentiment_score":0.002961061342998787},{"text":"So we have to think about it strategically and put money aside each month as you get paid or each pay cycle as you get paid, put money into that tax account.","start":1868.0,"end":1882.475,"sentiment":"neutral","sentiment_score":0.0975969226565212},{"text":"I'm not saying I'm not saying let's put extra money for super.","start":1882.535,"end":1885.415,"sentiment":"neutral","sentiment_score":-0.018663288094103336},{"text":"Let's just put money into the tax account.","start":1885.415,"end":1887.435,"sentiment":"neutral","sentiment_score":0.05990835279226303},{"text":"No.","start":1902.87,"end":1903.37,"sentiment":"neutral","sentiment_score":-0.25250503420829773}],"sentiment":"neutral","sentiment_score":0.04007315640337765,"num_words":80,"start":1858.215,"end":1903.37},{"sentences":[{"text":"No.","start":1903.995,"end":1904.495,"sentiment":"neutral","sentiment_score":-0.26474279165267944},{"text":"No.","start":1906.3151,"end":1906.555,"sentiment":"neutral","sentiment_score":-0.30223312973976135},{"text":"No.","start":1906.555,"end":1906.955,"sentiment":"neutral","sentiment_score":-0.31328099966049194},{"text":"No.","start":1906.955,"end":1907.115,"sentiment":"neutral","sentiment_score":-0.10229167342185974},{"text":"A tax bill is not a deduction.","start":1907.115,"end":1908.575,"sentiment":"neutral","sentiment_score":-0.1912430907998766}],"sentiment":"neutral","sentiment_score":-0.21102274818853897,"num_words":11,"start":1903.995,"end":1908.575},{"sentences":[{"text":"Tax bills are you didn't pay us.","start":1908.795,"end":1910.475,"sentiment":"neutral","sentiment_score":-0.24939840180533274},{"text":"You now owe us, unfortunately.","start":1910.475,"end":1912.655,"sentiment":"neutral","sentiment_score":-0.2282020092010498},{"text":"Yeah.","start":1914.795,"end":1915.295,"sentiment":"neutral","sentiment_score":-0.08400511741638184},{"text":"It's unfortunate.","start":1917.755,"end":1918.495,"sentiment":"negative","sentiment_score":-0.43067704141139984},{"text":"Very wrong.","start":1918.73,"end":1919.55,"sentiment":"negative","sentiment_score":-0.5682292580604553}],"sentiment":"neutral","sentiment_score":-0.29227156323545117,"num_words":17,"start":1908.795,"end":1919.55},{"sentences":[{"text":"Like yeah.","start":1920.6101,"end":1922.81,"sentiment":"negative","sentiment_score":-0.3835702985525131},{"text":"I I wish there was a way around that.","start":1922.81,"end":1924.75,"sentiment":"negative","sentiment_score":-0.3727959560023414},{"text":"But, yeah, there's not.","start":1924.81,"end":1925.6901,"sentiment":"neutral","sentiment_score":-0.21824736148118973},{"text":"I can't think of anything.","start":1925.6901,"end":1926.91,"sentiment":"negative","sentiment_score":-0.34198480248451235},{"text":"I'm not an accountant, but then, yeah, there's definitely no way around being able to deduct that.","start":1927.61,"end":1932.11,"sentiment":"neutral","sentiment_score":-0.30382146379526925}],"sentiment":"neutral","sentiment_score":-0.32081574443224314,"num_words":37,"start":1920.6101,"end":1932.11},{"sentences":[{"text":"Yeah.","start":1935.335,"end":1935.835,"sentiment":"neutral","sentiment_score":0.034185755997896194},{"text":"Would you try?","start":1937.015,"end":1937.995,"sentiment":"neutral","sentiment_score":-0.060308841367562614},{"text":"I would love to I would love to write my tax off on tax.","start":1939.335,"end":1943.675,"sentiment":"neutral","sentiment_score":0.1968093855040414},{"text":"Yeah.","start":1948.79,"end":1949.29,"sentiment":"neutral","sentiment_score":0.18037307262420657},{"text":"Look.","start":1950.63,"end":1951.03,"sentiment":"neutral","sentiment_score":0.1557697355747223}],"sentiment":"neutral","sentiment_score":0.14723667185753583,"num_words":20,"start":1935.335,"end":1951.03},{"sentences":[{"text":"Realistically, what you can do, and I have seen it before, and you could talk to your accountant about doing it, is it takes a lot of asset management, so whether you you and your accountant wanna do it, but you can apply to basically get a reduction on it if you pay, like, a lump sum.","start":1951.03,"end":1973.7599,"sentiment":"neutral","sentiment_score":0.10751754182733987},{"text":"And, like, I'm not saying $8 lump sum.","start":1974.94,"end":1976.7799,"sentiment":"neutral","sentiment_score":0.023599606472998857},{"text":"I'm saying, like, it might be 32 if you pay 28.","start":1976.7799,"end":1980.94,"sentiment":"neutral","sentiment_score":0.020166484808379955},{"text":"They'll wipe off the additional 4.","start":1980.94,"end":1982.6399,"sentiment":"neutral","sentiment_score":-0.0013341543575127919},{"text":"It's possible yeah.","start":1986.765,"end":1990.685,"sentiment":"neutral","sentiment_score":0.024302252878745396}],"sentiment":"neutral","sentiment_score":0.0776944694273612,"num_words":85,"start":1951.03,"end":1990.685},{"sentences":[{"text":"Your account will have to apply to the ATO.","start":1990.685,"end":1994.225,"sentiment":"neutral","sentiment_score":-0.06994036295347744},{"text":"Oh, I mean, you could possibly do it.","start":1994.4451,"end":1997.025,"sentiment":"neutral","sentiment_score":-0.020049102138727903},{"text":"I'm not gonna lie.","start":1997.405,"end":1998.365,"sentiment":"neutral","sentiment_score":-0.1067945659160614},{"text":"I have zero ideas how to do it.","start":1998.365,"end":2000.43,"sentiment":"neutral","sentiment_score":-0.11860028095543385},{"text":"I just know that you can.","start":2001.4701,"end":2003.01,"sentiment":"neutral","sentiment_score":0.053148215636610985}],"sentiment":"neutral","sentiment_score":-0.052769922890833446,"num_words":35,"start":1990.685,"end":2003.01},{"sentences":[{"text":"But you need to have the money to do it.","start":2006.75,"end":2010.77,"sentiment":"neutral","sentiment_score":-0.025112664699554442},{"text":"Yes.","start":2010.9901,"end":2011.4701,"sentiment":"neutral","sentiment_score":0.022793279960751537},{"text":"Yeah.","start":2011.4701,"end":2011.7101,"sentiment":"neutral","sentiment_score":-0.008234241977334023},{"text":"You need to have the money to do it.","start":2011.7101,"end":2013.2301,"sentiment":"neutral","sentiment_score":-0.02512079021996922},{"text":"Because while you have the ATO debt, it does incur interest.","start":2013.2301,"end":2017.765,"sentiment":"neutral","sentiment_score":-0.051168246364051644}],"sentiment":"neutral","sentiment_score":-0.03204704471863806,"num_words":32,"start":2006.75,"end":2017.765},{"sentences":[{"text":"Yeah.","start":2021.745,"end":2022.225,"sentiment":"neutral","sentiment_score":0.07721775770187378},{"text":"So you can sometimes get that waived or wiped to a certain degree up to a certain amount.","start":2022.225,"end":2029.125,"sentiment":"neutral","sentiment_score":0.07201275995208158},{"text":"So it's it's zero ideas.","start":2030.385,"end":2037.82,"sentiment":"neutral","sentiment_score":-0.07342484891414643},{"text":"I'm I have no idea.","start":2039.4,"end":2041.1599,"sentiment":"neutral","sentiment_score":-0.3168425798416138},{"text":"I honestly don't.","start":2041.1599,"end":2042.2,"sentiment":"neutral","sentiment_score":-0.20471705247958502}],"sentiment":"neutral","sentiment_score":-0.037251277011819184,"num_words":32,"start":2021.745,"end":2042.2},{"sentences":[{"text":"I just know that you can, not any of the parameters around how to.","start":2042.2,"end":2048.355,"sentiment":"neutral","sentiment_score":-0.05438262463680336},{"text":"Know all this useless information.","start":2048.355,"end":2049.815,"sentiment":"neutral","sentiment_score":-0.3156457930803299},{"text":"Just no idea how to execute it.","start":2050.435,"end":2056.275,"sentiment":"negative","sentiment_score":-0.35323116396154675},{"text":"So yeah.","start":2056.275,"end":2056.755,"sentiment":"neutral","sentiment_score":-0.014086727052927017},{"text":"So it's an option.","start":2056.755,"end":2057.635,"sentiment":"neutral","sentiment_score":0.08940129540860653}],"sentiment":"neutral","sentiment_score":-0.1400866290787235,"num_words":32,"start":2042.2,"end":2057.635},{"sentences":[{"text":"I mean, just next time you meet with your accountant, just kind of maybe flag it as a could we do this type of scenario.","start":2057.635,"end":2065.3198,"sentiment":"neutral","sentiment_score":0.04142902366816997},{"text":"Wouldn't be worth it.","start":2066.26,"end":2067.14,"sentiment":"neutral","sentiment_score":-0.06807642243802547},{"text":"Wouldn't be wouldn't hurt.","start":2067.14,"end":2068.5999,"sentiment":"neutral","sentiment_score":0.12724903225898743},{"text":"Don't make a special appointment for it.","start":2068.74,"end":2070.5798,"sentiment":"neutral","sentiment_score":-0.19273443945816585},{"text":"Just keep doing what you're doing, saving, and see what happens from there.","start":2070.5798,"end":2075.715,"sentiment":"neutral","sentiment_score":0.05170357915071341}],"sentiment":"neutral","sentiment_score":0.011234367617739821,"num_words":53,"start":2057.635,"end":2075.715},{"sentences":[{"text":"Cool.","start":2077.295,"end":2077.615,"sentiment":"positive","sentiment_score":0.4370753765106201},{"text":"So on Adam's Superfund side, it's a basically retain Mercer.","start":2077.615,"end":2084.595,"sentiment":"neutral","sentiment_score":0.19025273770093917},{"text":"Let's start getting money paid to it, and let's make some investment changes on Alicia's side.","start":2085.135,"end":2093.78,"sentiment":"neutral","sentiment_score":0.2005718369036913},{"text":"What I actually wanna do is you whilst 40 grand's not a massive amount, it's actually pretty average for your age group.","start":2097.28,"end":2106.875,"sentiment":"neutral","sentiment_score":0.19340198283845728},{"text":"Like, You're nearly hitting 6 figures, which is great.","start":2106.875,"end":2117.32,"sentiment":"positive","sentiment_score":0.5851521889368693}],"sentiment":"neutral","sentiment_score":0.2598269908078786,"num_words":58,"start":2077.295,"end":2117.32},{"sentences":[{"text":"So your contributions are gonna be coming in from your employer automatically.","start":2117.7,"end":2120.6802,"sentiment":"neutral","sentiment_score":0.2396452228228251},{"text":"Because you're employed in that structure, your employer has an obligation to pay, which is great.","start":2122.02,"end":2127.105,"sentiment":"neutral","sentiment_score":0.14537454256787896},{"text":"What I'm actually recommending is we do open up your ability to invest more strategically.","start":2129.025,"end":2134.645,"sentiment":"neutral","sentiment_score":0.28341977794965106},{"text":"So we migrate your funds from Brida over to Hub twenty four.","start":2135.7449,"end":2139.925,"sentiment":"neutral","sentiment_score":0.20968954265117645},{"text":"They're a more open investment platform, and it just gives you thousands of different investment options available.","start":2139.9849,"end":2145.8298,"sentiment":"neutral","sentiment_score":0.272083605037016}],"sentiment":"neutral","sentiment_score":0.2304823308562239,"num_words":72,"start":2117.7,"end":2145.8298},{"sentences":[{"text":"And, eventually, that's what I sort of wanna do with Adams as well.","start":2146.13,"end":2150.23,"sentiment":"neutral","sentiment_score":0.28386148466513705},{"text":"And we can link the two accounts together so that way you guys have visibility across each other, and it just enables you to do some more.","start":2152.45,"end":2159.135,"sentiment":"positive","sentiment_score":0.3853121013553054},{"text":"It means that also in the future when we kind of stabilize a little bit more and maybe we have some further investing goals, we can also have an investment account that we can grow and build alongside the super funds that personally owned that you can withdraw and access later.","start":2159.135,"end":2177.07,"sentiment":"neutral","sentiment_score":0.319607301085603},{"text":"So it just gives you a bit more access to everything.","start":2178.89,"end":2184.7249,"sentiment":"positive","sentiment_score":0.40938460555943573},{"text":"Now with Hub twenty four, there's multiple different investment options.","start":2185.025,"end":2191.825,"sentiment":"neutral","sentiment_score":0.2435224150773138}],"sentiment":"positive","sentiment_score":0.33332190361189923,"num_words":112,"start":2146.13,"end":2191.825},{"sentences":[{"text":"But what I wanna do is that we actually like, you actually worked with BlackRock, who are one of the biggest investment managers in the country.","start":2191.825,"end":2202.31,"sentiment":"neutral","sentiment_score":0.10737381130456924},{"text":"Well, actually, they're actually the one.","start":2203.57,"end":2205.67,"sentiment":"neutral","sentiment_score":0.10719284539421399},{"text":"But that's it.","start":2205.97,"end":2206.1301,"sentiment":"neutral","sentiment_score":0.07029759883880615},{"text":"And we built what's called a separately managed account.","start":2206.1301,"end":2210.865,"sentiment":"neutral","sentiment_score":0.15429429958264032},{"text":"So it's called an SMA.","start":2211.345,"end":2212.485,"sentiment":"neutral","sentiment_score":0.1578608423471451}],"sentiment":"neutral","sentiment_score":0.11885146675061206,"num_words":49,"start":2191.825,"end":2212.485},{"sentences":[{"text":"Now what that does is it basically houses think of a big circle, and inside that circle are lots of different circles.","start":2212.705,"end":2220.645,"sentiment":"neutral","sentiment_score":0.08040185560556976},{"text":"And each of those little circles are different investment groups.","start":2220.945,"end":2224.68,"sentiment":"neutral","sentiment_score":0.06458245143294335},{"text":"So one over here could be, say, Australian investments, and inside that Australian investment are, say, hundreds of little individual assets.","start":2226.52,"end":2236.14,"sentiment":"neutral","sentiment_score":0.0452531897241161},{"text":"And then over in another circle, you've got US investments.","start":2237.0,"end":2242.195,"sentiment":"neutral","sentiment_score":0.03355768341571093},{"text":"And inside that little circle is a bunch of different other little things.","start":2242.2551,"end":2245.475,"sentiment":"neutral","sentiment_score":0.06317622386492215}],"sentiment":"neutral","sentiment_score":0.05949802718762504,"num_words":76,"start":2212.705,"end":2245.475},{"sentences":[{"text":"And you've got heaps of different things.","start":2245.615,"end":2247.635,"sentiment":"neutral","sentiment_score":0.07506981172731944},{"text":"So it means that, basically, you're able to invest on a level where you have, say, point one of a percent of a share in a company.","start":2248.335,"end":2259.65,"sentiment":"neutral","sentiment_score":0.15396349573576892},{"text":"So you are diversified a lot more while basically just being in the one asset.","start":2261.39,"end":2270.325,"sentiment":"neutral","sentiment_score":0.20935820043087006},{"text":"It also means that if the market's going to go through anything crazy, we work with our investment committee, which BlackRock sit on, and we can make movements within that SMA.","start":2270.7048,"end":2281.6802,"sentiment":"neutral","sentiment_score":0.1339806034680336},{"text":"So if all of a sudden we sit there and go, oh, you know what?","start":2281.74,"end":2283.98,"sentiment":"neutral","sentiment_score":-0.043050626665353774}],"sentiment":"neutral","sentiment_score":0.1192685829573556,"num_words":95,"start":2245.615,"end":2283.98},{"sentences":[{"text":"Japan's not doing so great anymore.","start":2283.98,"end":2285.6,"sentiment":"negative","sentiment_score":-0.36058978736400604},{"text":"We're gonna change the waiting.","start":2285.82,"end":2288.1401,"sentiment":"neutral","sentiment_score":-0.12312680333852768},{"text":"We're gonna move out of Japan a little bit and maybe buy a little bit into, you know, Europe or other other sort of entities.","start":2288.1401,"end":2295.195,"sentiment":"neutral","sentiment_score":0.017913091704249384},{"text":"We can do that without having to jump on the phone and say, hey.","start":2295.495,"end":2299.195,"sentiment":"neutral","sentiment_score":0.01465354859828949},{"text":"Japan's not doing great.","start":2299.575,"end":2301.335,"sentiment":"neutral","sentiment_score":-0.16792618669569492}],"sentiment":"neutral","sentiment_score":-0.05181297249402161,"num_words":54,"start":2283.98,"end":2301.335},{"sentences":[{"text":"Let's do this.","start":2301.335,"end":2302.235,"sentiment":"neutral","sentiment_score":0.09193304181098938},{"text":"And we have that time sensitive ability to make those moves in that capacity, you're not losing anything that you already have.","start":2302.455,"end":2313.2,"sentiment":"neutral","sentiment_score":0.13164447823708708},{"text":"Like, you currently when you you know, if you were to log in to your Brighter Super app, you see one investment option that you hold.","start":2313.2,"end":2320.5798,"sentiment":"neutral","sentiment_score":0.16861853404687002},{"text":"That's all you see.","start":2320.865,"end":2321.6648,"sentiment":"neutral","sentiment_score":0.17968890443444252},{"text":"So you're gonna see the same sort of thing.","start":2321.6648,"end":2323.345,"sentiment":"neutral","sentiment_score":0.1755378469824791}],"sentiment":"neutral","sentiment_score":0.15397899644449353,"num_words":64,"start":2301.335,"end":2323.345},{"sentences":[{"text":"You're gonna see the one investment option that you hold.","start":2323.345,"end":2325.345,"sentiment":"neutral","sentiment_score":0.13818395100533962},{"text":"You're not gonna see anything crazy or anything different.","start":2325.345,"end":2327.9248,"sentiment":"neutral","sentiment_score":0.040858608153131276},{"text":"But the cool thing is that you can actually click on that invest investment option, and it actually breaks down every single one of the entities that you do hold down to the fact that you can see that you have, say, CBA shares and stuff like that.","start":2328.065,"end":2340.24,"sentiment":"neutral","sentiment_score":0.2574205899921556},{"text":"So really cool from that degree just being able to see what your actual underlying investments will be.","start":2340.54,"end":2347.9202,"sentiment":"positive","sentiment_score":0.5240986521045367},{"text":"Cool.","start":2349.435,"end":2349.935,"sentiment":"neutral","sentiment_score":0.303954541683197}],"sentiment":"neutral","sentiment_score":0.2772498323560454,"num_words":86,"start":2323.345,"end":2349.935},{"sentences":[{"text":"Now in line with the superannuation side.","start":2351.195,"end":2360.575,"sentiment":"neutral","sentiment_score":0.23840924884591783},{"text":"So nice and easy.","start":2360.715,"end":2362.155,"sentiment":"positive","sentiment_score":0.6096683889627457},{"text":"We make a move.","start":2362.155,"end":2362.7952,"sentiment":"neutral","sentiment_score":0.23384831473231316},{"text":"We do the investor change.","start":2362.7952,"end":2364.2551,"sentiment":"neutral","sentiment_score":0.15247403979301452},{"text":"We'll get you the form that you need to start contributing.","start":2364.75,"end":2367.17,"sentiment":"neutral","sentiment_score":0.1401155502958731}],"sentiment":"neutral","sentiment_score":0.23698621964262379,"num_words":31,"start":2351.195,"end":2367.17},{"sentences":[{"text":"The form that you provide your employer so they can start contributing.","start":2368.35,"end":2371.57,"sentiment":"neutral","sentiment_score":0.11788685681919257},{"text":"Now when we spoke, we wanted to look at insurance that was to the the level of about a million dollars.","start":2378.385,"end":2384.085,"sentiment":"neutral","sentiment_score":0.0015780390905482428},{"text":"We can decrease this if we're uncomfortable at this level, but we looked at a million dollars.","start":2385.2651,"end":2388.945,"sentiment":"neutral","sentiment_score":-0.04988233405439293},{"text":"We talked about a million dollars, and what that was aiming to do was basically buy a house outright.","start":2388.945,"end":2393.16,"sentiment":"neutral","sentiment_score":0.047671401579129066},{"text":"So if anything happened to either of you, the other would be left the house.","start":2393.4,"end":2396.76,"sentiment":"neutral","sentiment_score":-0.01750932956735293}],"sentiment":"neutral","sentiment_score":0.014796406075003602,"num_words":84,"start":2368.35,"end":2396.76},{"sentences":[{"text":"If you were never able to work again, we have a fully paid for home, and the other person would be able to just work to pay for the living expenses.","start":2396.76,"end":2406.0598,"sentiment":"neutral","sentiment_score":0.0457450284232055},{"text":"So what I looked at was a million dollars worth of life and total amount of disability.","start":2408.7551,"end":2413.175,"sentiment":"neutral","sentiment_score":-0.0036894335028003246},{"text":"Now for adam,net life as the insurer was suitable, and that's occupation based.","start":2414.7551,"end":2420.68,"sentiment":"neutral","sentiment_score":0.027355782544383637},{"text":"Because he's a rigor.","start":2421.94,"end":2423.0798,"sentiment":"neutral","sentiment_score":0.04728157352656126},{"text":"You want a provider that, a, deals with that occupation, and, b, treats that occupation fairly in the market.","start":2423.46,"end":2431.3198,"sentiment":"neutral","sentiment_score":0.059580431368790175}],"sentiment":"neutral","sentiment_score":0.03609708541383346,"num_words":84,"start":2396.76,"end":2431.3198},{"sentences":[{"text":"Not not every insurer goes after every occupation demographic.","start":2431.38,"end":2437.885,"sentiment":"neutral","sentiment_score":-0.05519417714741495},{"text":"Some insurers are better for professionals or doctors.","start":2438.745,"end":2442.205,"sentiment":"neutral","sentiment_score":-0.05221070582047105},{"text":"Others are better for heavy manual.","start":2442.3452,"end":2445.725,"sentiment":"neutral","sentiment_score":-0.04868866503238678},{"text":"I have specific insurers that are better for, you know, mining.","start":2446.185,"end":2450.26,"sentiment":"neutral","sentiment_score":-0.012388056144118309},{"text":"MetLife loves farmers, love miners.","start":2451.84,"end":2455.3801,"sentiment":"neutral","sentiment_score":0.20156870931386947}],"sentiment":"neutral","sentiment_score":-0.008589494925660964,"num_words":39,"start":2431.38,"end":2455.3801},{"sentences":[{"text":"They love our heavy blues.","start":2455.76,"end":2457.1401,"sentiment":"neutral","sentiment_score":0.2760301649570465},{"text":"So MetLife came out the best for occupation rating cost features when it comes to your post occupation, Adam.","start":2458.6401,"end":2468.635,"sentiment":"neutral","sentiment_score":0.19563691082753634},{"text":"So if we write a million dollars worth of life and total in home facility, we're looking at $987.62 per year.","start":2468.9348,"end":2476.25,"sentiment":"neutral","sentiment_score":0.1196197218128613},{"text":"Your super fund can pay for it.","start":2476.95,"end":2478.71,"sentiment":"neutral","sentiment_score":0.14881900591509684},{"text":"So your super fund currently pays for the premiums.","start":2478.71,"end":2480.6301,"sentiment":"neutral","sentiment_score":0.07973590741554896}],"sentiment":"neutral","sentiment_score":0.15358397535613325,"num_words":61,"start":2455.76,"end":2480.6301},{"sentences":[{"text":"Your super fund can continue to pay for the premiums.","start":2480.6301,"end":2482.73,"sentiment":"neutral","sentiment_score":0.262204709649086},{"text":"So it's not going to erode anything there.","start":2483.03,"end":2486.73,"sentiment":"neutral","sentiment_score":0.20006678625941277},{"text":"The benefits of that are that because your super fund pays for it, it's 15% cheaper.","start":2487.7349,"end":2492.875,"sentiment":"positive","sentiment_score":0.6469279807060957},{"text":"So if you were to pay for it, it becomes $1,100 or 1,162.","start":2492.9348,"end":2497.835,"sentiment":"positive","sentiment_score":0.4791050690871019},{"text":"Because your super fund is paying for it, you get a deduction because the super fund claims.","start":2498.535,"end":2503.05,"sentiment":"positive","sentiment_score":0.3620924651622772}],"sentiment":"positive","sentiment_score":0.42120885755866766,"num_words":64,"start":2480.6301,"end":2503.05},{"sentences":[{"text":"The downside are that under a claim, it's basically a two claim process for either life or TPD.","start":2507.37,"end":2514.75,"sentiment":"neutral","sentiment_score":-0.23921968125634724},{"text":"So what happens is you would go to MetLife.","start":2514.8901,"end":2516.83,"sentiment":"neutral","sentiment_score":-0.04146232828497887},{"text":"MetLife insurance approved the claim, and then they send the claim to the superannuation claims team.","start":2517.21,"end":2524.885,"sentiment":"neutral","sentiment_score":-0.048163449158892035},{"text":"It's all done internally, and, realistically, you as the customer don't see anything to do with it, and all you would see is one extra form that you have to fill out.","start":2525.025,"end":2534.18,"sentiment":"neutral","sentiment_score":0.0021804180287290373},{"text":"You, if I had, didn't tell you, wouldn't really notice anything about the claims process.","start":2535.1199,"end":2539.14,"sentiment":"neutral","sentiment_score":-0.14788662344217302}],"sentiment":"neutral","sentiment_score":-0.08442507087149553,"num_words":90,"start":2507.37,"end":2539.14},{"sentences":[{"text":"With life insurance, when it's owned by the Superfund, you are limited on who you can nominate as a beneficiary.","start":2540.72,"end":2547.78,"sentiment":"neutral","sentiment_score":-0.06516249279375189},{"text":"So a little bit of a downside.","start":2548.0798,"end":2549.835,"sentiment":"neutral","sentiment_score":-0.1942365595272609},{"text":"You're limited to basically a spouse, a child, or a financial dependent.","start":2550.2952,"end":2553.7551,"sentiment":"neutral","sentiment_score":-0.19987606008847555},{"text":"Now I assumed, and based on our conversations, that we're gonna nominate each other anyway.","start":2553.975,"end":2559.115,"sentiment":"neutral","sentiment_score":-0.013716371854146321},{"text":"So not gonna be an issue with regards to nominations because you guys are each other's thousand.","start":2560.2952,"end":2566.9001,"sentiment":"neutral","sentiment_score":0.06663055334459334}],"sentiment":"neutral","sentiment_score":-0.05823161499410815,"num_words":71,"start":2540.72,"end":2566.9001},{"sentences":[{"text":"With CPD, that's probably the biggest downside that we have when it comes to paying for the insurance within the super fund rather than paying for it personally.","start":2566.9001,"end":2575.48,"sentiment":"neutral","sentiment_score":-0.1896894909441471},{"text":"If you pay for total impairment disability insurance personally, it's paid to you tax free.","start":2575.7002,"end":2580.055,"sentiment":"neutral","sentiment_score":-0.20561739007631938},{"text":"It's paid directly to you.","start":2580.4348,"end":2581.555,"sentiment":"neutral","sentiment_score":-0.11809024661779403},{"text":"It goes into your bank account.","start":2581.555,"end":2582.755,"sentiment":"neutral","sentiment_score":-0.1254428712030252},{"text":"It's done.","start":2582.755,"end":2583.1548,"sentiment":"neutral","sentiment_score":-0.11603739112615585}],"sentiment":"neutral","sentiment_score":-0.1780491042882204,"num_words":56,"start":2566.9001,"end":2583.1548},{"sentences":[{"text":"It's deducted.","start":2583.1548,"end":2583.635,"sentiment":"neutral","sentiment_score":-0.08398194052278996},{"text":"You walk away with a million dollars.","start":2583.635,"end":2585.335,"sentiment":"neutral","sentiment_score":-0.07914333790540695},{"text":"When it's paid for by the super funds, what happens is Mercer actually sets up a brand new super fund for you.","start":2586.9148,"end":2593.1748,"sentiment":"neutral","sentiment_score":0.004996065897020427},{"text":"It because I'm sorry.","start":2594.47,"end":2595.53,"sentiment":"neutral","sentiment_score":-0.014177480712532997},{"text":"MetLife.","start":2595.83,"end":2596.33,"sentiment":"neutral","sentiment_score":-0.0860467478632927}],"sentiment":"neutral","sentiment_score":-0.02096695742673344,"num_words":36,"start":2583.1548,"end":2596.33},{"sentences":[{"text":"MetLife set up a brand new super fund for you.","start":2596.55,"end":2599.61,"sentiment":"neutral","sentiment_score":0.04095896258950234},{"text":"It's basically like a MetLife insurance holding account.","start":2600.1501,"end":2602.73,"sentiment":"neutral","sentiment_score":0.027452058158814907},{"text":"You were then able to do one of two things with that money.","start":2604.47,"end":2607.115,"sentiment":"neutral","sentiment_score":0.07715895170202622},{"text":"The money was paid from the insurer to the super fund.","start":2607.115,"end":2610.2551,"sentiment":"neutral","sentiment_score":-0.030216002667492085},{"text":"And then if you wanna get that paid to your bank account, you pay up to 22% tax because you are not over 60.","start":2610.875,"end":2618.5752,"sentiment":"neutral","sentiment_score":0.03319133150701722}],"sentiment":"neutral","sentiment_score":0.031764975607846725,"num_words":66,"start":2596.55,"end":2618.5752},{"sentences":[{"text":"Yep.","start":2618.875,"end":2619.24,"sentiment":"neutral","sentiment_score":0.2603834271430969},{"text":"Or you can roll that into a super fund.","start":2620.52,"end":2623.34,"sentiment":"neutral","sentiment_score":0.31779462430212235},{"text":"You can invest that.","start":2624.1199,"end":2625.88,"sentiment":"neutral","sentiment_score":0.33172816038131714},{"text":"It can hold there.","start":2625.88,"end":2626.84,"sentiment":"neutral","sentiment_score":0.3254392668604851},{"text":"You can set up a pension account so you can have a weekly, monthly, fortnightly income stream.","start":2626.84,"end":2631.9,"sentiment":"positive","sentiment_score":0.344192319056567}],"sentiment":"neutral","sentiment_score":0.3314421193940299,"num_words":35,"start":2618.875,"end":2631.9},{"sentences":[{"text":"And there are a heap of tax reduction reducing.","start":2632.28,"end":2636.5151,"sentiment":"neutral","sentiment_score":0.11364600227938758},{"text":"I had a client.","start":2638.975,"end":2639.875,"sentiment":"neutral","sentiment_score":0.03421966265887022},{"text":"She was 42.","start":2641.455,"end":2642.7551,"sentiment":"neutral","sentiment_score":0.0037304628640413284},{"text":"Williams held it disabled.","start":2643.695,"end":2644.675,"sentiment":"neutral","sentiment_score":-0.055391475558280945},{"text":"I pulled over a million dollars out of her super fund, and she paid not a cent in tax.","start":2644.735,"end":2649.0752,"sentiment":"neutral","sentiment_score":-0.10979392281488369}],"sentiment":"neutral","sentiment_score":-0.029147855794200532,"num_words":39,"start":2632.28,"end":2649.0752},{"sentences":[{"text":"So there are ways that you can minimize to the point of completely mitigating the tax obligation, but it's not always the case.","start":2649.5,"end":2658.0798,"sentiment":"neutral","sentiment_score":0.00888865959385167},{"text":"Generally, the best I see is around the 5% tax mark, but I'm forever gonna love my 43 year old because $5,000,000 no tax.","start":2658.54,"end":2669.055,"sentiment":"neutral","sentiment_score":0.3329068600238922},{"text":"So there there are there are definitely ways that we we can minimize the tax, but that's a you and me conversation if we ever have to make a claim on that.","start":2672.155,"end":2682.1301,"sentiment":"neutral","sentiment_score":0.282494455575943},{"text":"I just wanna make you aware that if you just go off and put a claim in and get them to pay you, you are paying it's not gonna be 22% straight up, but it it's pretty close to 22%.","start":2682.43,"end":2693.325,"sentiment":"neutral","sentiment_score":0.06350568821653724},{"text":"I always say up to 22%.","start":2693.325,"end":2695.185,"sentiment":"neutral","sentiment_score":0.14755334332585335}],"sentiment":"neutral","sentiment_score":0.16527659182623028,"num_words":125,"start":2649.5,"end":2695.185},{"sentences":[{"text":"There's always some concessions that you get straight off the bat that are calculated at the time that you go to claim.","start":2695.325,"end":2701.0051,"sentiment":"neutral","sentiment_score":0.021183623593639244},{"text":"So it's not something I can estimate and and give you a figure for now.","start":2701.0051,"end":2704.5251,"sentiment":"neutral","sentiment_score":-0.01051466738184293},{"text":"It's just that time of claim.","start":2704.5251,"end":2705.7,"sentiment":"neutral","sentiment_score":-0.0033831248680750528},{"text":"That's what it ends up being.","start":2705.7,"end":2707.0,"sentiment":"neutral","sentiment_score":0.006540149450302123},{"text":"So yeah.","start":2708.9,"end":2709.46,"sentiment":"neutral","sentiment_score":-0.028554411605000496}],"sentiment":"neutral","sentiment_score":0.005297118286583938,"num_words":51,"start":2695.325,"end":2709.46},{"sentences":[{"text":"So the downside majorly when it comes to TPD, but it's being paid inside super is that.","start":2709.46,"end":2714.76,"sentiment":"neutral","sentiment_score":-0.18263919344719717},{"text":"What we do is we, you know, we cancel the insurance with Mercer.","start":2716.18,"end":2719.46,"sentiment":"neutral","sentiment_score":-0.1579345418856694},{"text":"So we'd submit a cancellation request with Mercer to cancel the current insurance inside it so you're not paying for double insurance premiums when the new insurance went in in force.","start":2719.46,"end":2729.565,"sentiment":"neutral","sentiment_score":-0.09494639776887433},{"text":"And, again, Mercer would just pay the premiums every year for MetLife.","start":2729.565,"end":2733.12,"sentiment":"neutral","sentiment_score":0.060794380183021225},{"text":"On the flip side for Alicia, same same informationally, insurer is ClearView.","start":2736.4001,"end":2743.3,"sentiment":"neutral","sentiment_score":0.026889775103578966}],"sentiment":"neutral","sentiment_score":-0.08293110353543479,"num_words":85,"start":2709.46,"end":2743.3},{"sentences":[{"text":"ClearView, like like color professional jobs.","start":2745.2002,"end":2749.6848,"sentiment":"neutral","sentiment_score":0.03839485083396236},{"text":"So government employee, death job, all the rest of the things, they love you as a person.","start":2750.305,"end":2756.325,"sentiment":"positive","sentiment_score":0.4057894007248037},{"text":"MetLife, not so much.","start":2756.9448,"end":2758.4849,"sentiment":"neutral","sentiment_score":-0.0835038679651916},{"text":"So what we've what we've got is same thing there is a million dollars worth of life, million dollars worth of CPG, white collar profession versus what we've got as a blue collar, very different.","start":2759.5898,"end":2772.5698,"sentiment":"neutral","sentiment_score":0.05981503299304417},{"text":"You're also a female versus a male.","start":2772.7852,"end":2774.725,"sentiment":"neutral","sentiment_score":0.057274521461554935}],"sentiment":"neutral","sentiment_score":0.13462639493408843,"num_words":69,"start":2745.2002,"end":2774.725},{"sentences":[{"text":"Your premiums are $406.90.","start":2774.945,"end":2777.845,"sentiment":"neutral","sentiment_score":0.07050547190010548},{"text":"Occupation rating does play a massive part.","start":2778.865,"end":2781.205,"sentiment":"neutral","sentiment_score":-0.16810185994420732},{"text":"Also, gender does play a massive part.","start":2781.345,"end":2783.425,"sentiment":"neutral","sentiment_score":-0.15771451805319106},{"text":"Females generally pay that.","start":2783.425,"end":2785.0452,"sentiment":"neutral","sentiment_score":-0.14894773066043854},{"text":"Men are just slightly more risky.","start":2786.3052,"end":2787.845,"sentiment":"negative","sentiment_score":-0.35946008066336316}],"sentiment":"neutral","sentiment_score":-0.1696872916072607,"num_words":28,"start":2774.945,"end":2787.845},{"sentences":[{"text":"It's generally not.","start":2790.6199,"end":2791.42,"sentiment":"neutral","sentiment_score":-0.07766386494040489},{"text":"It's never too too much, but it's always just a couple of dollars different, which is always something funny to to look at.","start":2791.42,"end":2797.92,"sentiment":"neutral","sentiment_score":-0.1005332975283913},{"text":"Although there's some occupations, women do pay more.","start":2798.14,"end":2800.88,"sentiment":"neutral","sentiment_score":-0.0738082118332386},{"text":"But anyway so same time.","start":2801.305,"end":2804.045,"sentiment":"neutral","sentiment_score":0.026391926407814025},{"text":"What we do is we we replace the current insurance that you have within Ryder Super.","start":2804.345,"end":2807.945,"sentiment":"neutral","sentiment_score":0.12519895052537322}],"sentiment":"neutral","sentiment_score":-0.018192368949001485,"num_words":55,"start":2790.6199,"end":2807.945},{"sentences":[{"text":"So basically, when what we would do is we would set up your new insurance policy.","start":2807.945,"end":2812.605,"sentiment":"neutral","sentiment_score":0.16486739832907915},{"text":"We'd set up your Superfund account.","start":2812.745,"end":2814.345,"sentiment":"neutral","sentiment_score":0.2459412937362989},{"text":"We'd roll majority of the funds over from private super, leave about $10.","start":2814.345,"end":2820.17,"sentiment":"neutral","sentiment_score":0.1316355667435206},{"text":"So we'd roll sort of, like, that $30 over into hub twenty four, leave 10, get the application for your insurance done.","start":2820.17,"end":2826.9102,"sentiment":"neutral","sentiment_score":0.10666981457986614},{"text":"Because insurance applications, while they don't normally take a lot of time, they can take time.","start":2827.05,"end":2832.935,"sentiment":"neutral","sentiment_score":-0.1304439641535282}],"sentiment":"neutral","sentiment_score":0.08334823284451276,"num_words":73,"start":2807.945,"end":2832.935},{"sentences":[{"text":"Like, I've I've seen applications take twelve months, and that's because medicals are required and stuff like that.","start":2834.5151,"end":2839.3352,"sentiment":"neutral","sentiment_score":-0.1944858663611942},{"text":"Yeah.","start":2839.7952,"end":2840.2952,"sentiment":"neutral","sentiment_score":-0.22845783829689023},{"text":"They can drag out.","start":2841.0752,"end":2842.375,"sentiment":"negative","sentiment_score":-0.3443537577986717},{"text":"With these insurance applications, what you would do is you would go through a full application process.","start":2842.915,"end":2846.77,"sentiment":"neutral","sentiment_score":0.03859560147804372},{"text":"So you actually answer a full medical questionnaire, and you disclose to the insurer your past medical history, family history, stuff like that.","start":2846.77,"end":2854.39,"sentiment":"neutral","sentiment_score":0.0037206827622392902}],"sentiment":"neutral","sentiment_score":-0.06928440532277501,"num_words":63,"start":2834.5151,"end":2854.39},{"sentences":[{"text":"Nothing we spoke about raises concerns for me.","start":2854.61,"end":2857.425,"sentiment":"neutral","sentiment_score":-0.2937240954488516},{"text":"I know that Adam has some family history with dad, and at least if you you broke your back horse riding, high cholesterol, but that's all controlled.","start":2857.5051,"end":2867.125,"sentiment":"neutral","sentiment_score":-0.1360253484022838},{"text":"Pap smears, all fine.","start":2867.905,"end":2869.365,"sentiment":"neutral","sentiment_score":0.09063123818486929},{"text":"No stress with any of that.","start":2869.79,"end":2871.81,"sentiment":"neutral","sentiment_score":-0.007063775633772214},{"text":"It all needs to be disclosed to them, but that's just so so they're aware.","start":2872.43,"end":2877.65,"sentiment":"neutral","sentiment_score":-0.031058523058891296}],"sentiment":"neutral","sentiment_score":-0.10280354528998335,"num_words":60,"start":2854.61,"end":2877.65},{"sentences":[{"text":"And what they do is they basically treat you like an individual person rather than a random number, and it means that claims process is a lot easier.","start":2878.1099,"end":2884.995,"sentiment":"neutral","sentiment_score":0.20021118143839495},{"text":"Now if we're uncomfortable with that insurance amount, I did look at 500,000 as well, but 500,000 is not really gonna get us to the what we want to purchase a full house and so on.","start":2886.2751,"end":2898.78,"sentiment":"neutral","sentiment_score":-0.1377319155467881},{"text":"Full.","start":2908.1401,"end":2908.46,"sentiment":"neutral","sentiment_score":-0.00866713561117649},{"text":"Yeah.","start":2908.46,"end":2908.7,"sentiment":"neutral","sentiment_score":0.022463304921984673},{"text":"Yeah.","start":2908.7,"end":2908.94,"sentiment":"neutral","sentiment_score":0.03454957529902458}],"sentiment":"neutral","sentiment_score":0.010386714405977904,"num_words":67,"start":2878.1099,"end":2908.94},{"sentences":[{"text":"Correct.","start":2908.94,"end":2909.26,"sentiment":"neutral","sentiment_score":0.07257923483848572},{"text":"So your superannuation fund would pay for the insurance policies.","start":2909.26,"end":2911.92,"sentiment":"neutral","sentiment_score":0.04860449638217688},{"text":"Yeah.","start":2928.6199,"end":2929.1199,"sentiment":"neutral","sentiment_score":0.16233626008033752},{"text":"Now it's fantastic.","start":2929.5,"end":2932.24,"sentiment":"positive","sentiment_score":0.5812404354413351},{"text":"Perfect.","start":2935.3398,"end":2935.8398,"sentiment":"positive","sentiment_score":0.5708563923835754}],"sentiment":"neutral","sentiment_score":0.18972113484051079,"num_words":16,"start":2908.94,"end":2935.8398},{"sentences":[{"text":"Now the one a couple of things that we didn't I didn't include, one was income protection, and the other was trauma.","start":2936.3,"end":2944.565,"sentiment":"neutral","sentiment_score":-0.024222416803240776},{"text":"Trauma is an out of pocket expense.","start":2945.1848,"end":2947.2048,"sentiment":"neutral","sentiment_score":-0.1908193635089057},{"text":"And once I do definitely wanna look at getting it in the future, again, I really wanna just stabilize our personal finances before we do jump into that.","start":2947.345,"end":2955.42,"sentiment":"neutral","sentiment_score":-0.010938061933432306},{"text":"And with income protection, the premiums were just too heavy to be swinging into the funds we currently have established.","start":2956.04,"end":2965.18,"sentiment":"neutral","sentiment_score":-0.21576303243637085},{"text":"We need to really beef up the money that we have within our super funds before we're able to start hitting it with premiums to that extent because it's couple grand.","start":2965.5652,"end":2973.905,"sentiment":"neutral","sentiment_score":-0.09559628763987173}],"sentiment":"neutral","sentiment_score":-0.08753370383271465,"num_words":108,"start":2936.3,"end":2973.905},{"sentences":[{"text":"Because income protection is basically if you were short term ill or injured unable to work, it gives you a monthly benefit to basically be able to to give you income while you're not working.","start":2974.7651,"end":2985.89,"sentiment":"neutral","sentiment_score":0.050673516360776764},{"text":"So I didn't wanna basically give you that impact.","start":2987.0698,"end":2990.69,"sentiment":"neutral","sentiment_score":-0.12408995214435789},{"text":"I didn't wanna impact your your super funds right now, and we do undertake that as, like, a future endeavor.","start":2992.2651,"end":2998.0452,"sentiment":"neutral","sentiment_score":-0.10370436720550061},{"text":"Correct.","start":3009.9802,"end":3010.4802,"sentiment":"neutral","sentiment_score":0.01374763250350952},{"text":"Yes.","start":3011.74,"end":3012.2202,"sentiment":"neutral","sentiment_score":0.03655077517032623}],"sentiment":"neutral","sentiment_score":-0.020712506562245613,"num_words":66,"start":2974.7651,"end":3012.2202},{"sentences":[{"text":"Correct.","start":3012.2202,"end":3012.7202,"sentiment":"neutral","sentiment_score":-0.03364080935716629},{"text":"And what I would love to do is and, again, once that ATO debt's cleared up, we have a little bit more of a backing, is we structure the income protection to be paid for personally by the business because that's a tax write off.","start":3013.34,"end":3024.635,"sentiment":"positive","sentiment_score":0.35290659268697105},{"text":"So we can structure it that way with that income protection policy.","start":3026.855,"end":3030.475,"sentiment":"neutral","sentiment_score":0.3289576930304368},{"text":"But, again, just wanna kind of try and clean up those those personal finances a little bit first.","start":3030.615,"end":3035.61,"sentiment":"neutral","sentiment_score":0.12033530821402867},{"text":"So, yeah, that is basically the crux of the advice.","start":3038.1501,"end":3041.9302,"sentiment":"neutral","sentiment_score":0.11143565773963929}],"sentiment":"neutral","sentiment_score":0.26831442212989165,"num_words":86,"start":3012.2202,"end":3041.9302},{"sentences":[{"text":"The last few pages go through or the last few few strategies, I should say, go through estate planning.","start":3042.07,"end":3047.395,"sentiment":"neutral","sentiment_score":0.15087772984253733},{"text":"So just because we're setting up new accounts, because we're setting up new policies, you know, Adam, I know we're retaining your Mercer Fund, we just update and make sure that the beneficiary nominations that are on file with each of the funds are accurate and nominate each other.","start":3047.535,"end":3061.19,"sentiment":"neutral","sentiment_score":0.27599940707488935},{"text":"And the reason for that is is that if anything happens, we wanna make it a smooth claims process.","start":3061.41,"end":3065.83,"sentiment":"positive","sentiment_score":0.5237543520174528},{"text":"Second to that is because we are intending on building a life together, what we wanna do is we want to make sure that we have established a good will nomination structure.","start":3067.17,"end":3082.5151,"sentiment":"positive","sentiment_score":0.3727505011484027},{"text":"So putting in place a will and a power of attorney because we're not married.","start":3083.055,"end":3088.74,"sentiment":"neutral","sentiment_score":0.20875903765360515}],"sentiment":"neutral","sentiment_score":0.30896553808628624,"num_words":134,"start":3042.07,"end":3088.74},{"sentences":[{"text":"And even if we were married, having the legal document in place just enables either of you to communicate with other providers, bank accounts, super funds, loan companies, stuff like that if something happens to the other person.","start":3088.74,"end":3103.115,"sentiment":"neutral","sentiment_score":0.2072015667432233},{"text":"There are a couple of avenues that we can take to get those documents in place that don't cost us a lot of money.","start":3103.335,"end":3108.235,"sentiment":"neutral","sentiment_score":0.22775567105660835},{"text":"So whilst, yes, going and sitting with a lawyer is obviously an avenue that we can take, the other side of things is that we can do it through online providers, or secondarily to that, we can also use the public trustee.","start":3108.295,"end":3125.23,"sentiment":"neutral","sentiment_score":0.19783530331083707},{"text":"The public trustee actually has, like, free provisions.","start":3125.29,"end":3131.155,"sentiment":"neutral","sentiment_score":0.21462675742805004},{"text":"You can book in and schedule times to sit with the public trustee and actually drop your will.","start":3131.375,"end":3136.335,"sentiment":"neutral","sentiment_score":0.2308744713664055}],"sentiment":"neutral","sentiment_score":0.2117048686513534,"num_words":130,"start":3088.74,"end":3136.335},{"sentences":[{"text":"They're always really inconvenient times, and they're always booked out for three months in advance.","start":3136.335,"end":3139.935,"sentiment":"neutral","sentiment_score":-0.3265789697567622},{"text":"But they are there and available, which is really cool.","start":3139.935,"end":3143.315,"sentiment":"positive","sentiment_score":0.41337049193680286},{"text":"There's there are companies like WIL, w r, double l, e d, that it it's I think the last time I looked at it, it was maybe $100 to do what you will online, but It's pretty inexpensive.","start":3145.08,"end":3158.665,"sentiment":"neutral","sentiment_score":0.08077782439527494},{"text":"Me and my husband look.","start":3159.765,"end":3161.865,"sentiment":"positive","sentiment_score":0.5029993414878845},{"text":"I have a total of and both of our power of attorney documents, it cost a thousand bucks.","start":3161.865,"end":3173.25,"sentiment":"neutral","sentiment_score":0.31840577721595764}],"sentiment":"neutral","sentiment_score":0.12268463252748493,"num_words":86,"start":3136.335,"end":3173.25},{"sentences":[{"text":"So it wasn't hugely expensive to get them done.","start":3173.25,"end":3178.1501,"sentiment":"positive","sentiment_score":0.34500207172499764},{"text":"Again, mine was pretty simple.","start":3179.09,"end":3180.69,"sentiment":"positive","sentiment_score":0.3422240138053894},{"text":"It was basically if anything happens, one of my poor sisters gets them.","start":3180.69,"end":3184.1501,"sentiment":"neutral","sentiment_score":0.23583957438285535},{"text":"So that's something you can do for yourselves.","start":3187.365,"end":3190.425,"sentiment":"positive","sentiment_score":0.38914913684129715},{"text":"It'll basically be mirror will.","start":3190.485,"end":3192.165,"sentiment":"neutral","sentiment_score":0.18476479649543762}],"sentiment":"neutral","sentiment_score":0.29797675646841526,"num_words":40,"start":3173.25,"end":3192.165},{"sentences":[{"text":"So a will is never done for two people.","start":3192.165,"end":3195.205,"sentiment":"neutral","sentiment_score":0.037775006559160024},{"text":"You do an individual will for each person, but you can just mirror each other.","start":3195.205,"end":3198.665,"sentiment":"neutral","sentiment_score":0.06783765827616056},{"text":"But a will just allows you to have provisions within it as well.","start":3200.1802,"end":3203.9402,"sentiment":"neutral","sentiment_score":0.11533115517634612},{"text":"Now for Adam's business, if you wanna go to the point of, like, the business and and and all that kind of stuff, you can make it more complex.","start":3203.9402,"end":3215.015,"sentiment":"neutral","sentiment_score":-0.06655290324626298},{"text":"But with the structure that you currently have in place, it's probably not something you need to consider.","start":3215.155,"end":3219.175,"sentiment":"neutral","sentiment_score":-0.2732093996471829}],"sentiment":"neutral","sentiment_score":-0.04751140996813774,"num_words":84,"start":3192.165,"end":3219.175},{"sentences":[{"text":"If you ever grow the business, put on, you know, interns or apprentices, that's what they call it, like apprentices or anything like that, you may have, like, a, you know, more of a succession plan in place.","start":3220.115,"end":3233.33,"sentiment":"neutral","sentiment_score":-0.06745935461827014},{"text":"But for now, with the size of it and what you're currently doing, probably not needed.","start":3233.3901,"end":3237.49,"sentiment":"neutral","sentiment_score":-0.153295517899096},{"text":"So that's pretty much with the document.","start":3239.87,"end":3241.73,"sentiment":"neutral","sentiment_score":0.03308832831680775},{"text":"The last, I guess, the probably the pages that are not most they're not most important, but just the ones that I haven't really covered off yet would be from page 44 down.","start":3241.79,"end":3251.525,"sentiment":"neutral","sentiment_score":-0.034544446195165314},{"text":"It's just a because you're connected to my director.","start":3252.145,"end":3258.04,"sentiment":"neutral","sentiment_score":0.029078499446364328}],"sentiment":"neutral","sentiment_score":-0.054978890224129356,"num_words":103,"start":3220.115,"end":3258.04},{"sentences":[{"text":"I'm not gonna charge you anything upfront for the setup of any of the supervisor.","start":3258.4202,"end":3262.6,"sentiment":"neutral","sentiment_score":0.028883626560370128},{"text":"ClearView and or ClearView twice instead of ClearView and MetLife, but you understand the reference.","start":3264.34,"end":3270.6,"sentiment":"neutral","sentiment_score":0.009323676551381747},{"text":"Mhmm.","start":3270.9548,"end":3271.355,"sentiment":"neutral","sentiment_score":0.009732425212860107},{"text":"The insurer the insurer pays us a a setup fee.","start":3271.355,"end":3277.4548,"sentiment":"neutral","sentiment_score":-0.05690904967486858},{"text":"6066% of the initial paid by them to us.","start":3278.4749,"end":3283.835,"sentiment":"neutral","sentiment_score":-0.05368605711393886}],"sentiment":"neutral","sentiment_score":-0.009388460777699947,"num_words":50,"start":3258.4202,"end":3283.835},{"sentences":[{"text":"They're not paid by you.","start":3283.835,"end":3285.2148,"sentiment":"neutral","sentiment_score":-0.16074428260326384},{"text":"They pay us.","start":3285.275,"end":3287.11,"sentiment":"neutral","sentiment_score":-0.11652366816997528},{"text":"So, Adam, because when yes.","start":3287.11,"end":3289.45,"sentiment":"neutral","sentiment_score":-0.026685364544391632},{"text":"It's because we're setting up the the the account, so they don't have to do anything administratively.","start":3289.51,"end":3293.93,"sentiment":"neutral","sentiment_score":0.1540964464930927},{"text":"We go through the application with you.","start":3294.95,"end":3296.39,"sentiment":"neutral","sentiment_score":0.3042376147849219}],"sentiment":"neutral","sentiment_score":0.09358334198996827,"num_words":37,"start":3283.835,"end":3296.39},{"sentences":[{"text":"They don't have to do anything administratively.","start":3296.39,"end":3297.93,"sentiment":"neutral","sentiment_score":0.2877090296575001},{"text":"They also pay us an ongoing because if anything happens and you go to claim, we help you through the claim.","start":3298.445,"end":3303.7449,"sentiment":"positive","sentiment_score":0.3342990619795663},{"text":"There's obviously still something they have to do.","start":3303.805,"end":3305.565,"sentiment":"neutral","sentiment_score":0.13169544469565153},{"text":"They still have to go through the claim and finalize it, but we are basically that middleman.","start":3305.565,"end":3309.885,"sentiment":"neutral","sentiment_score":0.13039768355734208},{"text":"We help you out with everything.","start":3309.885,"end":3311.265,"sentiment":"neutral","sentiment_score":0.3258908937374751}],"sentiment":"neutral","sentiment_score":0.24169344151929273,"num_words":59,"start":3296.39,"end":3311.265},{"sentences":[{"text":"So they pay us the commissions for it.","start":3311.405,"end":3314.31,"sentiment":"neutral","sentiment_score":0.11755551863461733},{"text":"Adam, your super fund, I can't connect to it.","start":3315.89,"end":3318.79,"sentiment":"neutral","sentiment_score":-0.05221591144800186},{"text":"I could be a third party authority holder, so it means that I can act I can inquire on the account, but I'm not able to act on your behalf.","start":3319.17,"end":3326.15,"sentiment":"neutral","sentiment_score":-0.06277551911771298},{"text":"So I will do everything that I that I've said in this document that I'm gonna do.","start":3327.405,"end":3331.165,"sentiment":"neutral","sentiment_score":0.07848013389636488},{"text":"So I'm gonna, you know, change the investments and all that kind of stuff.","start":3331.165,"end":3334.0652,"sentiment":"neutral","sentiment_score":0.027177218613880023}],"sentiment":"neutral","sentiment_score":0.0038702398634109744,"num_words":78,"start":3311.405,"end":3334.0652},{"sentences":[{"text":"But, you know, I can't just go and do anything on my own free will because I can.","start":3335.5652,"end":3340.2,"sentiment":"neutral","sentiment_score":-0.09875812805775139},{"text":"You always have to sign up on stuff.","start":3341.0,"end":3342.78,"sentiment":"neutral","sentiment_score":-0.032281837426126},{"text":"Alicia, we would manage your investment to our investment committee, everything like that.","start":3343.16,"end":3347.4,"sentiment":"neutral","sentiment_score":0.0536805849808913},{"text":"So your account would pay us an ongoing fee.","start":3347.4,"end":3350.54,"sentiment":"neutral","sentiment_score":0.08101638323730892},{"text":"It's set to 1.65% of your balance.","start":3351.0,"end":3353.0798,"sentiment":"neutral","sentiment_score":0.07664843861545835}],"sentiment":"neutral","sentiment_score":-0.001315761459144679,"num_words":55,"start":3335.5652,"end":3353.0798},{"sentences":[{"text":"That's estimated, like, $770 for the first year.","start":3353.0798,"end":3356.3252,"sentiment":"neutral","sentiment_score":0.059148612432181835},{"text":"Cool.","start":3360.145,"end":3360.645,"sentiment":"positive","sentiment_score":0.3764607906341553},{"text":"I think the pages aside from that just really detail, like, your you authorizing me and my team to proceed with the advice.","start":3362.0652,"end":3373.26,"sentiment":"neutral","sentiment_score":0.24774522625881693},{"text":"And then my favorite page is page 48.","start":3373.8,"end":3376.86,"sentiment":"neutral","sentiment_score":0.16736498102545738},{"text":"It just steps through the actual stages and everything.","start":3377.8,"end":3380.54,"sentiment":"neutral","sentiment_score":0.16528229084279802}],"sentiment":"neutral","sentiment_score":0.19131123183333143,"num_words":49,"start":3353.0798,"end":3380.54},{"sentences":[{"text":"So it gives you context to this astronomically large document and just takes you through this is actually what we're gonna do, and these are the steps we're gonna do them in so it makes sense.","start":3380.76,"end":3391.4448,"sentiment":"neutral","sentiment_score":0.12108064215216371},{"text":"So if, you know, when my team calls and says, hey.","start":3391.7449,"end":3393.9849,"sentiment":"neutral","sentiment_score":0.036692586642774666},{"text":"We're doing this.","start":3393.9849,"end":3394.9648,"sentiment":"neutral","sentiment_score":0.0596354603767395},{"text":"Yep.","start":3395.7449,"end":3396.145,"sentiment":"neutral","sentiment_score":0.07722948491573334},{"text":"We're like, we're up to step three.","start":3396.145,"end":3397.6848,"sentiment":"neutral","sentiment_score":0.058042222900050025}],"sentiment":"neutral","sentiment_score":0.09353367236025374,"num_words":58,"start":3380.76,"end":3397.6848},{"sentences":[{"text":"So you could cancel a lot.","start":3397.905,"end":3400.22,"sentiment":"neutral","sentiment_score":-0.03545056159297625},{"text":"Some of the steps do kind of occur concurrently, but for the most part, we do try and step it out as much as possible.","start":3401.48,"end":3407.26,"sentiment":"neutral","sentiment_score":0.020692515037953853},{"text":"Now how is that all sounding?","start":3409.24,"end":3410.86,"sentiment":"neutral","sentiment_score":0.1041350004573663},{"text":"Yep.","start":3468.11,"end":3468.61,"sentiment":"neutral","sentiment_score":-0.011885559186339378},{"text":"Yeah.","start":3493.66,"end":3494.16,"sentiment":"neutral","sentiment_score":0.026014190167188644}],"sentiment":"neutral","sentiment_score":0.024193542054257333,"num_words":39,"start":3397.905,"end":3494.16},{"sentences":[{"text":"Alright.","start":3494.6199,"end":3495.1199,"sentiment":"neutral","sentiment_score":0.0540790855884552},{"text":"Totally fair.","start":3496.7048,"end":3497.525,"sentiment":"neutral","sentiment_score":0.13741370290517807},{"text":"And as we stabilize and with the investment property, equity comes the growth opportunity is there for you to be able to borrow against an investment property and purchase your own property on the Gold Coast or otherwise.","start":3499.105,"end":3510.625,"sentiment":"neutral","sentiment_score":0.1002449863835385},{"text":"So it is still there.","start":3510.625,"end":3511.9849,"sentiment":"neutral","sentiment_score":0.1143868699669838},{"text":"It's just right now, maybe we explore other avenues to build that wealth.","start":3511.9849,"end":3516.7,"sentiment":"neutral","sentiment_score":0.11713938185801873}],"sentiment":"neutral","sentiment_score":0.10564342860953282,"num_words":59,"start":3494.6199,"end":3516.7},{"sentences":[{"text":"Perfect.","start":3522.2,"end":3522.7,"sentiment":"neutral","sentiment_score":0.22193612158298492},{"text":"Alright.","start":3522.92,"end":3523.42,"sentiment":"neutral","sentiment_score":0.09527882188558578},{"text":"So if that's the case, what I will do, and as much as I love talking to you guys, I have been at work for, like, fourteen hours.","start":3523.48,"end":3531.875,"sentiment":"neutral","sentiment_score":0.0662693499055292},{"text":"So if you're okay for me to package up the documents, and I'll send them to you tomorrow via, like, it's called OdooSign, but it'll come through sort of in a very similar format.","start":3531.935,"end":3543.95,"sentiment":"neutral","sentiment_score":0.05045010576791623},{"text":"Don't be surprised if it does go to your junk folder, but I'll send you a separate email saying, hey.","start":3543.95,"end":3547.95,"sentiment":"neutral","sentiment_score":0.0012679122854024171}],"sentiment":"neutral","sentiment_score":0.046588316460007,"num_words":84,"start":3522.2,"end":3547.95},{"sentences":[{"text":"I've sent the documents.","start":3547.95,"end":3548.83,"sentiment":"neutral","sentiment_score":0.018935573287308216},{"text":"Keep your eye out.","start":3548.83,"end":3549.73,"sentiment":"neutral","sentiment_score":0.011508782859891653},{"text":"I do need to I do need to post a few of them, which we'll do during sort of like that like, after you sign the implementation process.","start":3550.99,"end":3563.115,"sentiment":"neutral","sentiment_score":0.020848137459584644},{"text":"And that'll just be, like, the investment swaps, the Adam's account, the beneficiary nomination forms, the all the new funds and everything will happen.","start":3563.655,"end":3573.61,"sentiment":"neutral","sentiment_score":0.10700875179221232},{"text":"Now second to that is both of your insurance applications will need to go through.","start":3574.1501,"end":3581.21,"sentiment":"neutral","sentiment_score":0.04082237680753072}],"sentiment":"neutral","sentiment_score":0.051814279581109686,"num_words":75,"start":3547.95,"end":3581.21},{"sentences":[{"text":"We can book it in now, or I can just give you the time, and my team will reach out to you after you've signed all the documents, and they'll schedule in a time.","start":3581.465,"end":3589.225,"sentiment":"neutral","sentiment_score":0.08928068036980488},{"text":"You don't have to do the insurance applications together.","start":3589.225,"end":3591.405,"sentiment":"neutral","sentiment_score":-0.03479406002184583},{"text":"Honestly, they're painful, and you probably don't wanna do them together.","start":3591.865,"end":3594.845,"sentiment":"negative","sentiment_score":-0.34511327878995374},{"text":"So it's just dependent on time available for you guys.","start":3595.92,"end":3598.58,"sentiment":"neutral","sentiment_score":-0.17565330415964125},{"text":"Perfect.","start":3609.28,"end":3609.78,"sentiment":"neutral","sentiment_score":0.23431944847106936}],"sentiment":"neutral","sentiment_score":-0.03993943180673971,"num_words":65,"start":3581.465,"end":3609.78},{"sentences":[{"text":"But I think majority of them happen when people are driving home from work, just to be honest.","start":3609.92,"end":3615.215,"sentiment":"neutral","sentiment_score":0.07464204335378276},{"text":"Great time to just talk about yourself.","start":3616.155,"end":3617.915,"sentiment":"positive","sentiment_score":0.4284854829311371},{"text":"So but, yeah, I'll get my team to reach out, and they can schedule that one in.","start":3617.915,"end":3622.41,"sentiment":"neutral","sentiment_score":0.06351896361721789},{"text":"And it'll be Jack.","start":3622.73,"end":3624.67,"sentiment":"neutral","sentiment_score":0.07898218557238579},{"text":"Jack is my insurance guy, so he will, 95% of the time, be the one giving you the call to run through it all.","start":3625.0498,"end":3631.45,"sentiment":"neutral","sentiment_score":0.09776599674175183}],"sentiment":"neutral","sentiment_score":0.115501288663862,"num_words":70,"start":3609.92,"end":3631.45},{"sentences":[{"text":"Okay?","start":3631.45,"end":3631.95,"sentiment":"neutral","sentiment_score":0.088893361389637},{"text":"Perfect.","start":3636.2349,"end":3636.555,"sentiment":"positive","sentiment_score":0.43621712923049927},{"text":"Well, I'll I'll package up the documents and send them to you tomorrow.","start":3636.555,"end":3639.4548,"sentiment":"neutral","sentiment_score":0.18374220797648796},{"text":"It'll be the exact pay document you're seeing here just plus the application forms and stuff like that.","start":3640.075,"end":3645.135,"sentiment":"neutral","sentiment_score":0.10133949480950832},{"text":"I just have to merge them all into one and send them.","start":3645.355,"end":3649.135,"sentiment":"neutral","sentiment_score":0.0763817938665549}],"sentiment":"neutral","sentiment_score":0.1256544806063175,"num_words":45,"start":3631.45,"end":3649.135},{"sentences":[{"text":"And the new sign process is only brand new.","start":3650.13,"end":3653.49,"sentiment":"neutral","sentiment_score":0.02955334633588791},{"text":"We've implemented, like, two weeks ago.","start":3653.49,"end":3655.3499,"sentiment":"neutral","sentiment_score":0.08176590874791145},{"text":"I'm still wrapping my head around how to use it.","start":3655.97,"end":3658.13,"sentiment":"neutral","sentiment_score":0.08795534074306488},{"text":"So so I will get them to you, yeah, tomorrow morning, and we'll go from there.","start":3658.13,"end":3666.465,"sentiment":"neutral","sentiment_score":0.10724169877357781},{"text":"If there are any alterations or comments you wanna make, there is a nice big section that'll have basically a text box available from, like, the second to last page that you can type in.","start":3666.465,"end":3676.3,"sentiment":"neutral","sentiment_score":0.12787417471408843}],"sentiment":"neutral","sentiment_score":0.10299463516199275,"num_words":76,"start":3650.13,"end":3676.3},{"sentences":[{"text":"If there's nothing that you need to comment on, so no alterations, you don't decline any of the advice, anything like that, you just leave it blank.","start":3676.3,"end":3683.3599,"sentiment":"neutral","sentiment_score":0.03576441822008713},{"text":"And it means that I will and my team will implement everything that I've detailed in the document.","start":3683.98,"end":3688.4,"sentiment":"neutral","sentiment_score":0.18695816646019617},{"text":"No.","start":3697.875,"end":3698.375,"sentiment":"neutral","sentiment_score":-0.17598594725131989},{"text":"Honestly, I was probably gonna be here anyway.","start":3698.595,"end":3700.5352,"sentiment":"neutral","sentiment_score":-0.1838278714567423},{"text":"No.","start":3702.355,"end":3702.675,"sentiment":"neutral","sentiment_score":-0.14842267334461212}],"sentiment":"neutral","sentiment_score":0.046106449017745695,"num_words":55,"start":3676.3,"end":3702.675},{"sentences":[{"text":"No.","start":3702.675,"end":3703.155,"sentiment":"neutral","sentiment_score":-0.14266595244407654},{"text":"Honestly, this is like, I'm going home at seven.","start":3703.155,"end":3705.8398,"sentiment":"neutral","sentiment_score":-0.12431751605537203},{"text":"This is a pretty early night for me, so it's not too bad.","start":3705.8398,"end":3708.8198,"sentiment":"neutral","sentiment_score":0.018307491563833676},{"text":"No.","start":3711.92,"end":3712.24,"sentiment":"neutral","sentiment_score":0.028831638395786285},{"text":"So it's absolutely fine.","start":3712.24,"end":3713.3599,"sentiment":"positive","sentiment_score":0.36214668303728104}],"sentiment":"neutral","sentiment_score":0.01621043442615441,"num_words":28,"start":3702.675,"end":3713.3599},{"sentences":[{"text":"So you guys go and you enjoy your night, and I'll get the documents through to you tomorrow.","start":3713.3599,"end":3718.6848,"sentiment":"positive","sentiment_score":0.6547997958130307},{"text":"And my team will reach out to you probably next week to start getting everything rolling.","start":3718.825,"end":3723.4048,"sentiment":"positive","sentiment_score":0.5213234145194292},{"text":"Perfect.","start":3733.53,"end":3734.03,"sentiment":"positive","sentiment_score":0.7830660343170166},{"text":"Thanks, guys.","start":3734.0898,"end":3734.73,"sentiment":"positive","sentiment_score":0.8177262544631958},{"text":"Have a good one.","start":3734.73,"end":3735.71,"sentiment":"positive","sentiment_score":0.7659008949995041}],"sentiment":"positive","sentiment_score":0.624626660492362,"num_words":41,"start":3713.3599,"end":3735.71},{"sentences":[{"text":"Bye.","start":3738.65,"end":3739.15,"sentiment":"neutral","sentiment_score":-0.09846312552690506}],"sentiment":"neutral","sentiment_score":-0.09846312552690506,"num_words":1,"start":3738.65,"end":3739.15}]}}]},{"alternatives":[{"transcript":"Hello? Oh, we can hear you. Can you hear us? Oh, no. We can't they don't have much to use. Oh, wait. We can now. It's cutting in and out. Is this the Wi Fi or something? I don't know. It's cool. I think this is better. This is definitely better than the Teams. That's alright. We can hear you better now. I'm not sure what's going on. Mhmm. It's not me the Wi Fi. That's alright. If you can hear us okay, we're happy to go. You're just a little bit breaking in and out, but it's not too bad. Yeah. I have the email that says invitation statement of advice presentation. Yeah. I don't think I have it. No. I don't have it either from you. The last email I got from you was the February 16, but I don't have any emails with any attachments or anything. Oh, it's just coming in. It's just coming in. I take it back. Oh, yeah. Mine just come too. Yeah. It's just literally coming in the last minute. Okay. Cool. Yep. Yes. Yeah. Yeah. Yeah. Yep. Yep. Mhmm. I haven't canceled it yet. I can. I just it's, like, zeroed out. I've just to be honest, I just haven't gotten around to, like, physically canceling it. But it's definitely something I can do before we go into a loan or anything. Yes. Yes. Yeah. Yeah. Yeah. Okay. Yes. That's right. No. Okay. Yeah. Okay. Cool. Yeah. That's definitely something I'm happy to do. Because, yeah, the credit card in my name, it's an ANZ. It's linked to my Quanta points, so it is good for getting points. But I'm happy to, I guess, look at something to build Adam's credit score up. Yeah. Okay. Yes. Yes. Yes. Yes. No. We can definitely we can definitely start doing that. Because at the moment, it's just sitting there zero, and I'm just kind of paying everything on my normal CommBank account that I get paid into. But I we can definitely start swapping swapping some of those weekly expenses onto the credit card and then paying them instantly. Yeah. Yeah. Okay. Yeah. Okay. Yeah. Yes. Yes. Mhmm. Yes. Yes. Yes. Yeah. Yes. Okay. What's the kind of interest, like, or the growth on those accounts? Is it much higher than, like, a a regular bank interest account? Or yeah. Okay. Yeah. Yeah. Okay. Because at the moment, we're saving into an ING account, which is 5%, but it's guaranteed. Yeah. So it's, I guess, probably a bit of a safer option, and we also have access to it. Yeah. Yeah. Yeah. Mhmm. Right. Yes. Yes. Okay. I didn't know they did that. Yes. Wow. Okay. Interesting. Yes. Yeah. Yeah. Yeah. Yeah. No. That's okay. I'm happy with that. Mhmm. Mhmm. Yeah. Yes. Mhmm. Mhmm. Yeah. Mhmm. Yeah. Yep. Yes. Yep. Yep. Mhmm. Yep. Yep. Yep. Yeah. Okay. Okay. Okay. Yep. Yep. Yep. Yep. Yep. Okay. Yeah. Mhmm. Oh, I just yeah. Like, I can make that happen. Yeah. Of course. Like, if that's something that yeah. Yeah. I can make that happen. I I haven't contributed to it at all racing lane. But, yeah, if we once I get on track, I think that that's can be achievable. Mhmm. Yeah. Yep. Yep. Mhmm. Okay. Yeah. Yep. Yep. Yep. No. No. I did. Yeah. I mean, maybe. I mean, I don't know. I I don't know. I think it's shit. I don't know. I don't know. He bought a bunch of shit by the way. I could yeah. I I don't know. He charges a lot, but and, like, I don't know how much he's got. Hey? Yeah. Yeah. And, like, it doesn't follow-up, and and I'm not sure if I should start doing, like, my bath myself. Like, is that a good idea or no? I just feel like he because he charges me, like, six 100 to do my bath, and I feel like that's really expensive after I've reconsolidate me. Yeah. Probably got one of them. Yep. Yeah. Okay. Yeah. Yeah. Yeah. Mhmm. Yeah. Yep. Yeah. Uh-huh. Are they Gold Coast based? Okay. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Okay. Alright. Yep. Is this not like I've I've got a, like, a tax bill that I'm, like, trying to triple a out. Is this something I could be doing together? Or okay. Yeah. Yeah. Yep. Yep. Yep. Okay. Yeah. Yeah. I'm fine. Mhmm. Yeah. Yeah. Good. Yeah. Yeah. We've been we've been yeah. We've started to save. I wouldn't say we've got heaps. We've got $8 in a joint account towards a future house, and then Adam's got another 8 towards the tax bill that it's gonna go on. So we are working towards it. But, yeah, I think the tax bill is still probably a fair chunk away from being paid off. Yeah. Yeah. Oh, I think it's about what are we What? Your tax bill. 32? Oh, the 32? And then I'm gonna put up about to put $8 towards that for the app. 20 6 24. Yeah. 24 soon. Yeah. Yeah. Yeah. Yeah. We are trying. We've definitely tried to rein it in, the spending and and everything, but still Yeah. Live life a little bit. Yeah. Mhmm. Yes. Yeah. Yep. Yeah. Yeah. Yeah. If his if his business is putting, say, $500 a week into that towards the current tax bill, though, would that not reduce his the business's overall No. Earnings? No. No. It's all deduction, is it? No. Yeah. Bye bye. Okay. Yeah. Okay. That's alright. He's not off here. He's in trick somewhere. No. Well, I don't have to carry it. That's fine. I just love that. And it's just saying I have to do it with my account. Yeah. Right. But we need a a bigger lump sum than the 8. Yeah. Yep. Correct. Do you is there, like, requirements for that, though? Like, do I have to claim some sort of hard work? You know? Yeah. Yeah. Yeah. That's okay. Yep. Yep. Okay. Yeah. Okay. Yep. Yep. Yes. Mhmm. Yeah. Mhmm. Yeah. It is. Okay. Okay. Yes. Okay. Mhmm. Yeah. Yeah. Okay. Yeah. Yeah. Mhmm. Okay. Mhmm. Yeah. Okay. Cool. Yes. No. I'm happy to do that. Yes. Okay. Yeah. Yes. Yes. Mhmm. Okay. Right. Yes. Okay. Yep. Yes. Yes. Wow. Yes. Yes. Yep. Yep. Yep. Okay. Okay. Mhmm. With you. Yes. Yes. Yes. Yes. Okay. Oh, okay. Yeah. Okay. Yes. Okay. Cool. Yeah. And am I I don't know if I'm reading this right, but does the money come out of that super account per year or no? No. Yeah. Yeah. I'm I mean, obviously, Adam is a lot his bills higher than mine, but I'm happy with 400. It says 400 and something per year. I think that's a reasonable amount for for life insurance for a million dollars. Yeah. How about you, Adam? Yep. Yep. Yeah. Cool. Yeah. Yeah. Yes. Yes. Yes. Yeah. Yeah. And I think we talked about maybe probably doing it more for Adam rather than me because he's, I guess, higher risk and also similar yeah. Maybe. Yes. Yes. Yes. Yes. Okay. Yeah. Okay. Yes. Yes. Yes. Yeah. Yes. Okay. Cool. Yeah. Yeah. That's okay. Oh. Right. Yeah. Okay. Yeah. Yes. Okay. Cool. Yeah. Yeah. Yeah. Yeah. Yeah. No. That's definitely helpful. Yeah. Yep. Cool. Yeah. No. No. That that tool is definitely helpful. Yeah. It's good. It all makes sense. I'm definitely happy to switch over my super, do the insurances. That all sounds quite straightforward. Sounds like you're doing all the hard work for me, which is amazing. Yeah. And then, yeah, I'm happy to, I don't know, like, we're just gonna keep, I guess, saving and building building up our finances again, getting a bit more stable. We're getting there. We're just not fully where we wanna be yet. I think we wanna try and aim at getting a investment property this year, but probably, if we're being realistic, it'll be the end of the year because, you know, we're only sitting at $8 so far. It's not really enough. But, yeah, that's kind of where we're looking at. We know we probably can't afford to buy a house on the Gold Coast, so we'd look at just getting an investment somewhere else. And, yeah, we've kind of parked that other idea of subdividing because it's not really something that's financially viable at the minute. Yeah. Yes. Yes. Yes. Yeah. No. I'm happy to do that. Yes. Okay. Yeah. No. That's why I'm not so far. Okay. Yeah. Yeah. No. I'm happy to push that later and and do it separately. Then we'll just try and find suitable times. Yes. No. Okay. Cool. That sounds like a good plan. Yeah. Okay. No. That's okay. Yeah. Okay. Okay. Cool. Thank you. Thank you for this advice and your time today. I know it's a late call, so apologies for that. I was just trying to get off guard. Oh, gosh. Yes. Alright. Thank you so much for your time, and we really appreciate the advice. I'll keep an eye out for for your email and and those documents. Thank you. See you later. 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Oh, we can hear you. Can you hear us? Oh, no. We can't they don't have much to use.\n\nOh, wait. We can now. It's cutting in and out. Is this the Wi Fi or something? I don't know.\n\nIt's cool. I think this is better. This is definitely better than the Teams. That's alright. We can hear you better now.\n\nI'm not sure what's going on. Mhmm. It's not me the Wi Fi. That's alright. If you can hear us okay, we're happy to go.\n\nYou're just a little bit breaking in and out, but it's not too bad. Yeah. I have the email that says invitation statement of advice presentation. Yeah. I don't think I have it.\n\nNo. I don't have it either from you. The last email I got from you was the February 16, but I don't have any emails with any attachments or anything. Oh, it's just coming in. It's just coming in.\n\nI take it back. Oh, yeah. Mine just come too. Yeah. It's just literally coming in the last minute.\n\nOkay. Cool. Yep. Yes. Yeah.\n\nYeah. Yeah. Yep. Yep. Mhmm.\n\nI haven't canceled it yet. I can. I just it's, like, zeroed out. I've just to be honest, I just haven't gotten around to, like, physically canceling it. But it's definitely something I can do before we go into a loan or anything.\n\nYes. Yes. Yeah. Yeah. Yeah.\n\nOkay. Yes. That's right. No. Okay.\n\nYeah. Okay. Cool. Yeah. That's definitely something I'm happy to do.\n\nBecause, yeah, the credit card in my name, it's an ANZ. It's linked to my Quanta points, so it is good for getting points. But I'm happy to, I guess, look at something to build Adam's credit score up. Yeah. Okay.\n\nYes. Yes. Yes. Yes. No.\n\nWe can definitely we can definitely start doing that. Because at the moment, it's just sitting there zero, and I'm just kind of paying everything on my normal CommBank account that I get paid into. But I we can definitely start swapping swapping some of those weekly expenses onto the credit card and then paying them instantly. Yeah. Yeah.\n\nOkay. Yeah. Okay. Yeah. Yes.\n\nYes. Mhmm. Yes. Yes. Yes.\n\nYeah. Yes. Okay. What's the kind of interest, like, or the growth on those accounts? Is it much higher than, like, a a regular bank interest account?\n\nOr yeah. Okay. Yeah. Yeah. Okay.\n\nBecause at the moment, we're saving into an ING account, which is 5%, but it's guaranteed. Yeah. So it's, I guess, probably a bit of a safer option, and we also have access to it. Yeah. Yeah.\n\nYeah. Mhmm. Right. Yes. Yes.\n\nOkay. I didn't know they did that. Yes. Wow. Okay.\n\nInteresting. Yes. Yeah. Yeah. Yeah.\n\nYeah. No. That's okay. I'm happy with that. Mhmm.\n\nMhmm. Yeah. Yes. Mhmm. Mhmm.\n\nYeah. Mhmm. Yeah. Yep. Yes.\n\nYep. Yep. Mhmm. Yep. Yep.\n\nYep. Yeah. Okay. Okay. Okay.\n\nYep. Yep. Yep. Yep. Yep.\n\nOkay. Yeah. Mhmm. Oh, I just yeah. Like, I can make that happen.\n\nYeah. Of course. Like, if that's something that yeah. Yeah. I can make that happen.\n\nI I haven't contributed to it at all racing lane. But, yeah, if we once I get on track, I think that that's can be achievable. Mhmm. Yeah. Yep.\n\nYep. Mhmm. Okay. Yeah. Yep.\n\nYep. Yep. No. No. I did.\n\nYeah. I mean, maybe. I mean, I don't know. I I don't know. I think it's shit.\n\nI don't know. I don't know. He bought a bunch of shit by the way. I could yeah. I I don't know.\n\nHe charges a lot, but and, like, I don't know how much he's got. Hey? Yeah. Yeah. And, like, it doesn't follow-up, and and I'm not sure if I should start doing, like, my bath myself.\n\nLike, is that a good idea or no? I just feel like he because he charges me, like, six 100 to do my bath, and I feel like that's really expensive after I've reconsolidate me. Yeah. Probably got one of them. Yep.\n\nYeah. Okay. Yeah. Yeah. Yeah.\n\nMhmm. Yeah. Yep. Yeah. Uh-huh.\n\nAre they Gold Coast based? Okay. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nOkay. Alright. Yep. Is this not like I've I've got a, like, a tax bill that I'm, like, trying to triple a out. Is this something I could be doing together?\n\nOr okay. Yeah. Yeah. Yep. Yep.\n\nYep. Okay. Yeah. Yeah. I'm fine.\n\nMhmm. Yeah. Yeah. Good. Yeah.\n\nYeah. We've been we've been yeah. We've started to save. I wouldn't say we've got heaps. We've got $8 in a joint account towards a future house, and then Adam's got another 8 towards the tax bill that it's gonna go on.\n\nSo we are working towards it. But, yeah, I think the tax bill is still probably a fair chunk away from being paid off. Yeah. Yeah. Oh, I think it's about what are we What?\n\nYour tax bill. 32? Oh, the 32? And then I'm gonna put up about to put $8 towards that for the app. 20 6 24.\n\nYeah. 24 soon. Yeah. Yeah. Yeah.\n\nYeah. We are trying. We've definitely tried to rein it in, the spending and and everything, but still Yeah. Live life a little bit. Yeah.\n\nMhmm. Yes. Yeah. Yep. Yeah.\n\nYeah. Yeah. If his if his business is putting, say, $500 a week into that towards the current tax bill, though, would that not reduce his the business's overall No. Earnings? No.\n\nNo. It's all deduction, is it? No. Yeah. Bye bye.\n\nOkay. Yeah. Okay. That's alright. He's not off here.\n\nHe's in trick somewhere. No. Well, I don't have to carry it. That's fine. I just love that.\n\nAnd it's just saying I have to do it with my account. Yeah. Right. But we need a a bigger lump sum than the 8. Yeah.\n\nYep. Correct. Do you is there, like, requirements for that, though? Like, do I have to claim some sort of hard work? You know?\n\nYeah. Yeah. Yeah. That's okay. Yep.\n\nYep. Okay. Yeah. Okay. Yep.\n\nYep. Yes. Mhmm. Yeah. Mhmm.\n\nYeah. It is. Okay. Okay. Yes.\n\nOkay. Mhmm. Yeah. Yeah. Okay.\n\nYeah. Yeah. Mhmm. Okay. Mhmm.\n\nYeah. Okay. Cool. Yes. No.\n\nI'm happy to do that. Yes. Okay. Yeah. Yes.\n\nYes. Mhmm. Okay. Right. Yes.\n\nOkay. Yep. Yes. Yes. Wow.\n\nYes. Yes. Yep. Yep. Yep.\n\nOkay. Okay. Mhmm. With you. Yes.\n\nYes. Yes. Yes. Okay. Oh, okay.\n\nYeah. Okay. Yes. Okay. Cool.\n\nYeah. And am I I don't know if I'm reading this right, but does the money come out of that super account per year or no? No. Yeah. Yeah.\n\nI'm I mean, obviously, Adam is a lot his bills higher than mine, but I'm happy with 400. It says 400 and something per year. I think that's a reasonable amount for for life insurance for a million dollars. Yeah. How about you, Adam?\n\nYep. Yep. Yeah. Cool. Yeah.\n\nYeah. Yes. Yes. Yes. Yeah.\n\nYeah. And I think we talked about maybe probably doing it more for Adam rather than me because he's, I guess, higher risk and also similar yeah. Maybe. Yes. Yes.\n\nYes. Yes. Okay. Yeah. Okay.\n\nYes. Yes. Yes. Yeah. Yes.\n\nOkay. Cool. Yeah. Yeah. That's okay.\n\nOh. Right. Yeah. Okay. Yeah.\n\nYes. Okay. Cool. Yeah. Yeah.\n\nYeah. Yeah. Yeah. No. That's definitely helpful.\n\nYeah. Yep. Cool. Yeah. No.\n\nNo. That that tool is definitely helpful. Yeah. It's good. It all makes sense.\n\nI'm definitely happy to switch over my super, do the insurances. That all sounds quite straightforward. Sounds like you're doing all the hard work for me, which is amazing. Yeah. And then, yeah, I'm happy to, I don't know, like, we're just gonna keep, I guess, saving and building building up our finances again, getting a bit more stable.\n\nWe're getting there. We're just not fully where we wanna be yet. I think we wanna try and aim at getting a investment property this year, but probably, if we're being realistic, it'll be the end of the year because, you know, we're only sitting at $8 so far. It's not really enough. But, yeah, that's kind of where we're looking at.\n\nWe know we probably can't afford to buy a house on the Gold Coast, so we'd look at just getting an investment somewhere else. And, yeah, we've kind of parked that other idea of subdividing because it's not really something that's financially viable at the minute. Yeah. Yes. Yes.\n\nYes. Yeah. No. I'm happy to do that. Yes.\n\nOkay. Yeah. No. That's why I'm not so far. Okay.\n\nYeah. Yeah. No. I'm happy to push that later and and do it separately. Then we'll just try and find suitable times.\n\nYes. No. Okay. Cool. That sounds like a good plan.\n\nYeah. Okay. No. That's okay. Yeah.\n\nOkay. Okay. Cool. Thank you. Thank you for this advice and your time today.\n\nI know it's a late call, so apologies for that. I was just trying to get off guard. Oh, gosh. Yes. Alright.\n\nThank you so much for your time, and we really appreciate the advice. I'll keep an eye out for for your email and and those documents. Thank you. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.56,"end":1.06,"sentiment":"neutral","sentiment_score":0.00516685051843524},{"text":"Oh, we can hear you.","start":5.12,"end":6.5,"sentiment":"neutral","sentiment_score":0.0015039310790598392},{"text":"Can you hear us?","start":9.36,"end":10.5,"sentiment":"neutral","sentiment_score":-0.0052251952001824975},{"text":"Oh, no.","start":13.599999,"end":16.855,"sentiment":"neutral","sentiment_score":-0.2909471094608307},{"text":"We can't they don't have much to use.","start":16.855,"end":19.035,"sentiment":"negative","sentiment_score":-0.39042045548558235}],"sentiment":"neutral","sentiment_score":-0.18567360688466578,"num_words":20,"start":0.56,"end":19.035},{"sentences":[{"text":"Oh, wait.","start":23.015,"end":23.494999,"sentiment":"neutral","sentiment_score":-0.13612305372953415},{"text":"We can now.","start":23.494999,"end":24.215,"sentiment":"neutral","sentiment_score":-0.13131078332662582},{"text":"It's cutting in and out.","start":24.215,"end":25.675,"sentiment":"neutral","sentiment_score":-0.1821073114871979},{"text":"Is this the Wi Fi or something?","start":28.949999,"end":30.81,"sentiment":"neutral","sentiment_score":-0.03552900440990925},{"text":"I don't know.","start":31.11,"end":31.59,"sentiment":"neutral","sentiment_score":-0.10636212925116222}],"sentiment":"neutral","sentiment_score":-0.10722522167488932,"num_words":20,"start":23.015,"end":31.59},{"sentences":[{"text":"It's cool.","start":31.59,"end":33.829998,"sentiment":"neutral","sentiment_score":0.15824633836746216},{"text":"I think this is better.","start":33.829998,"end":34.95,"sentiment":"neutral","sentiment_score":0.30125688910484316},{"text":"This is definitely better than the Teams.","start":34.95,"end":36.97,"sentiment":"positive","sentiment_score":0.3605665053640093},{"text":"That's alright.","start":40.355,"end":40.915,"sentiment":"neutral","sentiment_score":0.14888622611761093},{"text":"We can hear you better 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bit breaking in and out, but it's not too bad.","start":52.995,"end":56.08,"sentiment":"neutral","sentiment_score":0.06490590849093028},{"text":"Yeah.","start":72.635,"end":73.135,"sentiment":"neutral","sentiment_score":0.09948229044675828},{"text":"I have the email that says invitation statement of advice presentation.","start":91.33,"end":96.07,"sentiment":"neutral","sentiment_score":0.03369526666673747},{"text":"Yeah.","start":103.645,"end":103.965,"sentiment":"neutral","sentiment_score":-0.09299979358911514},{"text":"I don't think I have it.","start":103.965,"end":106.704994,"sentiment":"neutral","sentiment_score":-0.09633409666518371}],"sentiment":"neutral","sentiment_score":0.021448744517384155,"num_words":33,"start":52.995,"end":106.704994},{"sentences":[{"text":"No.","start":106.924995,"end":107.325,"sentiment":"neutral","sentiment_score":-0.1160532757639885},{"text":"I don't have it either from you.","start":107.325,"end":109.80499,"sentiment":"neutral","sentiment_score":-0.10349966904946736},{"text":"The last email I got from you was the February 16, but I don't have any emails with any attachments or anything.","start":109.80499,"end":122.920006,"sentiment":"neutral","sentiment_score":-0.09499029764397578},{"text":"Oh, it's just coming in.","start":127.375,"end":128.495,"sentiment":"neutral","sentiment_score":-0.08283374309539795},{"text":"It's just coming in.","start":128.495,"end":129.615,"sentiment":"neutral","sentiment_score":-0.08586586266756058}],"sentiment":"neutral","sentiment_score":-0.09456332495961434,"num_words":39,"start":106.924995,"end":129.615},{"sentences":[{"text":"I take it back.","start":129.615,"end":130.595,"sentiment":"neutral","sentiment_score":-0.08269869536161423},{"text":"Oh, yeah.","start":136.175,"end":136.495,"sentiment":"neutral","sentiment_score":0.039281951263546944},{"text":"Mine just come 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can definitely we can definitely start doing that.","start":426.315,"end":428.63498,"sentiment":"positive","sentiment_score":0.47170067495769924},{"text":"Because at the moment, it's just sitting there zero, and I'm just kind of paying everything on my normal CommBank account that I get paid into.","start":428.63498,"end":437.455,"sentiment":"neutral","sentiment_score":0.13324516610457346},{"text":"But I we can definitely start swapping swapping some of those weekly expenses onto the credit card and then paying them 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the kind of interest, like, or the growth on those accounts?","start":620.645,"end":624.265,"sentiment":"neutral","sentiment_score":0.03647174142921964},{"text":"Is it much higher than, like, a a regular bank interest account?","start":624.325,"end":627.92505,"sentiment":"neutral","sentiment_score":0.009866257198154926}],"sentiment":"neutral","sentiment_score":0.015206054818850977,"num_words":27,"start":592.485,"end":627.92505},{"sentences":[{"text":"Or 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am I I don't know if I'm reading this right, but does the money come out of that super account per year or no?","start":2900.02,"end":2912.9949,"sentiment":"neutral","sentiment_score":-0.021480061933398246},{"text":"No.","start":2912.9949,"end":2913.075,"sentiment":"neutral","sentiment_score":-0.061838362365961075},{"text":"Yeah.","start":2913.075,"end":2913.395,"sentiment":"neutral","sentiment_score":0.009430840611457825},{"text":"Yeah.","start":2913.395,"end":2913.795,"sentiment":"neutral","sentiment_score":0.029644280672073364}],"sentiment":"neutral","sentiment_score":-0.01945473671216389,"num_words":29,"start":2899.46,"end":2913.795},{"sentences":[{"text":"I'm I mean, obviously, Adam is a lot his bills higher than mine, but I'm happy with 400.","start":2913.795,"end":2920.76,"sentiment":"neutral","sentiment_score":0.06516273423201507},{"text":"It says 400 and something per 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Adam?","start":2930.9001,"end":2931.8801,"sentiment":"positive","sentiment_score":0.41100621223449707}],"sentiment":"neutral","sentiment_score":0.1459309192035686,"num_words":44,"start":2913.795,"end":2931.8801},{"sentences":[{"text":"Yep.","start":2932.34,"end":2932.84,"sentiment":"positive","sentiment_score":0.33861827850341797},{"text":"Yep.","start":2933.1401,"end":2933.6401,"sentiment":"neutral","sentiment_score":0.28129249811172485},{"text":"Yeah.","start":2935.075,"end":2935.575,"sentiment":"positive","sentiment_score":0.3624408543109894},{"text":"Cool.","start":2936.675,"end":2937.175,"sentiment":"neutral","sentiment_score":0.27413687109947205},{"text":"Yeah.","start":2942.7551,"end":2943.2551,"sentiment":"neutral","sentiment_score":-0.07471644878387451}],"sentiment":"neutral","sentiment_score":0.23635441064834595,"num_words":5,"start":2932.34,"end":2943.2551},{"sentences":[{"text":"Yeah.","start":2945.475,"end":2945.975,"sentiment":"neutral","sentiment_score":-0.137954443693161},{"text":"Yes.","start":2955.5999,"end":2956.0999,"sentiment":"neutral","sentiment_score":-0.05372035875916481},{"text":"Yes.","start":2961.28,"end":2961.78,"sentiment":"neutral","sentiment_score":-0.09495151042938232},{"text":"Yes.","start":2974.755,"end":2975.07,"sentiment":"neutral","sentiment_score":0.01310225948691368},{"text":"Yeah.","start":2986.75,"end":2987.25,"sentiment":"neutral","sentiment_score":-0.018651610240340233}],"sentiment":"neutral","sentiment_score":-0.05843513272702694,"num_words":5,"start":2945.475,"end":2987.25},{"sentences":[{"text":"Yeah.","start":2998.975,"end":2999.455,"sentiment":"neutral","sentiment_score":-0.019190195947885513},{"text":"And I think we talked about maybe probably doing it more for Adam rather than me because he's, I guess, higher risk and also similar yeah.","start":2999.455,"end":3011.38,"sentiment":"neutral","sentiment_score":-0.06692555403480163},{"text":"Maybe.","start":3025.975,"end":3026.475,"sentiment":"neutral","sentiment_score":0.2442358434200287},{"text":"Yes.","start":3037.53,"end":3038.03,"sentiment":"neutral","sentiment_score":0.16514357924461365},{"text":"Yes.","start":3061.88,"end":3062.38,"sentiment":"positive","sentiment_score":0.5112895369529724}],"sentiment":"neutral","sentiment_score":-0.027952854707837104,"num_words":30,"start":2998.975,"end":3062.38},{"sentences":[{"text":"Yes.","start":3072.28,"end":3072.78,"sentiment":"neutral","sentiment_score":0.3238264322280884},{"text":"Yes.","start":3083.605,"end":3084.105,"sentiment":"neutral","sentiment_score":0.24143940210342407},{"text":"Okay.","start":3087.525,"end":3088.025,"sentiment":"neutral","sentiment_score":0.157693013548851},{"text":"Yeah.","start":3103.0198,"end":3103.5198,"sentiment":"neutral","sentiment_score":0.2664680778980255},{"text":"Okay.","start":3155.31,"end":3155.81,"sentiment":"neutral","sentiment_score":0.07148990035057068}],"sentiment":"neutral","sentiment_score":0.21218336522579193,"num_words":5,"start":3072.28,"end":3155.81},{"sentences":[{"text":"Yes.","start":3157.705,"end":3158.205,"sentiment":"positive","sentiment_score":0.4999230206012726},{"text":"Yes.","start":3176.44,"end":3176.94,"sentiment":"positive","sentiment_score":0.3905646800994873},{"text":"Yes.","start":3192.105,"end":3192.605,"sentiment":"neutral","sentiment_score":0.09493409097194672},{"text":"Yeah.","start":3193.2249,"end":3193.7249,"sentiment":"neutral","sentiment_score":0.10936419665813446},{"text":"Yes.","start":3228.51,"end":3229.01,"sentiment":"neutral","sentiment_score":-0.011824484914541245}],"sentiment":"neutral","sentiment_score":0.21659230068325996,"num_words":5,"start":3157.705,"end":3229.01},{"sentences":[{"text":"Okay.","start":3238.0151,"end":3238.5151,"sentiment":"neutral","sentiment_score":0.00760529562830925},{"text":"Cool.","start":3261.32,"end":3261.82,"sentiment":"neutral","sentiment_score":0.07011698931455612},{"text":"Yeah.","start":3270.4148,"end":3270.7349,"sentiment":"neutral","sentiment_score":0.03876234591007233},{"text":"Yeah.","start":3270.7349,"end":3270.9749,"sentiment":"neutral","sentiment_score":0.025929119437932968},{"text":"That's okay.","start":3270.9749,"end":3271.7148,"sentiment":"neutral","sentiment_score":0.05522529594600201}],"sentiment":"neutral","sentiment_score":0.04214405703047911,"num_words":6,"start":3238.0151,"end":3271.7148},{"sentences":[{"text":"Oh.","start":3286.8901,"end":3287.3901,"sentiment":"neutral","sentiment_score":-0.06600979715585709},{"text":"Right.","start":3294.935,"end":3295.435,"sentiment":"neutral","sentiment_score":0.2559402585029602},{"text":"Yeah.","start":3308.44,"end":3308.94,"sentiment":"neutral","sentiment_score":0.07844440639019012},{"text":"Okay.","start":3311.72,"end":3312.22,"sentiment":"neutral","sentiment_score":0.1052391082048416},{"text":"Yeah.","start":3314.68,"end":3315.18,"sentiment":"neutral","sentiment_score":0.027346521615982056}],"sentiment":"neutral","sentiment_score":0.08019209951162339,"num_words":5,"start":3286.8901,"end":3315.18},{"sentences":[{"text":"Yes.","start":3347.965,"end":3348.465,"sentiment":"neutral","sentiment_score":0.09307371079921722},{"text":"Okay.","start":3357.3252,"end":3357.8252,"sentiment":"neutral","sentiment_score":0.2604374587535858},{"text":"Cool.","start":3358.03,"end":3358.53,"sentiment":"positive","sentiment_score":0.40064847469329834},{"text":"Yeah.","start":3381.325,"end":3381.405,"sentiment":"neutral","sentiment_score":0.09649091958999634},{"text":"Yeah.","start":3381.405,"end":3381.905,"sentiment":"neutral","sentiment_score":0.06481992453336716}],"sentiment":"neutral","sentiment_score":0.18309409767389298,"num_words":5,"start":3347.965,"end":3381.905},{"sentences":[{"text":"Yeah.","start":3385.95,"end":3386.45,"sentiment":"neutral","sentiment_score":0.07171249389648438},{"text":"Yeah.","start":3391.79,"end":3392.03,"sentiment":"neutral","sentiment_score":0.03889605030417442},{"text":"Yeah.","start":3392.03,"end":3392.35,"sentiment":"neutral","sentiment_score":0.014535414054989816},{"text":"No.","start":3392.35,"end":3392.59,"sentiment":"neutral","sentiment_score":-0.052579693496227264},{"text":"That's definitely helpful.","start":3392.59,"end":3394.1301,"sentiment":"neutral","sentiment_score":0.047064367681741714}],"sentiment":"neutral","sentiment_score":0.03053676682923521,"num_words":7,"start":3385.95,"end":3394.1301},{"sentences":[{"text":"Yeah.","start":3395.55,"end":3396.05,"sentiment":"neutral","sentiment_score":0.07644307613372803},{"text":"Yep.","start":3396.165,"end":3396.665,"sentiment":"neutral","sentiment_score":0.04446148872375488},{"text":"Cool.","start":3398.405,"end":3398.905,"sentiment":"neutral","sentiment_score":0.011437729001045229},{"text":"Yeah.","start":3408.245,"end":3408.725,"sentiment":"neutral","sentiment_score":-0.034049272537231445},{"text":"No.","start":3408.725,"end":3408.965,"sentiment":"neutral","sentiment_score":-0.05734100192785263}],"sentiment":"neutral","sentiment_score":0.008190403878688812,"num_words":5,"start":3395.55,"end":3408.965},{"sentences":[{"text":"No.","start":3408.965,"end":3409.2852,"sentiment":"neutral","sentiment_score":-0.02295558340847492},{"text":"That that tool is definitely helpful.","start":3409.2852,"end":3411.145,"sentiment":"neutral","sentiment_score":0.133679057781895},{"text":"Yeah.","start":3412.6199,"end":3412.94,"sentiment":"positive","sentiment_score":0.42583149671554565},{"text":"It's good.","start":3412.94,"end":3413.76,"sentiment":"positive","sentiment_score":0.6647156476974487},{"text":"It all makes sense.","start":3415.26,"end":3416.88,"sentiment":"positive","sentiment_score":0.6357198506593704}],"sentiment":"positive","sentiment_score":0.3626614970022014,"num_words":14,"start":3408.965,"end":3416.88},{"sentences":[{"text":"I'm definitely happy to switch over my super, do the insurances.","start":3418.8599,"end":3425.775,"sentiment":"positive","sentiment_score":0.6627523844892328},{"text":"That all sounds quite straightforward.","start":3426.075,"end":3427.695,"sentiment":"positive","sentiment_score":0.6891059517860413},{"text":"Sounds like you're doing all the hard work for me, which is amazing.","start":3429.595,"end":3432.495,"sentiment":"positive","sentiment_score":0.8129174617620615},{"text":"Yeah.","start":3436.395,"end":3436.895,"sentiment":"neutral","sentiment_score":0.30791640281677246},{"text":"And then, yeah, I'm happy to, I don't know, like, we're just gonna keep, I guess, saving and building building up our finances again, getting a bit more stable.","start":3436.955,"end":3449.38,"sentiment":"neutral","sentiment_score":0.30900357149798297}],"sentiment":"positive","sentiment_score":0.5181822536860482,"num_words":59,"start":3418.8599,"end":3449.38},{"sentences":[{"text":"We're getting there.","start":3449.5999,"end":3450.3198,"sentiment":"neutral","sentiment_score":0.30808233221371967},{"text":"We're just not fully where we wanna be yet.","start":3450.3198,"end":3453.2998,"sentiment":"neutral","sentiment_score":0.006908971402380202},{"text":"I think we wanna try and aim at getting a investment property this year, but probably, if we're being realistic, it'll be the end of the year because, you know, we're only sitting at $8 so far.","start":3454.4648,"end":3470.2,"sentiment":"neutral","sentiment_score":0.017210655921214336},{"text":"It's not really enough.","start":3470.2,"end":3471.3398,"sentiment":"neutral","sentiment_score":-0.15249887481331825},{"text":"But, yeah, that's kind of where we're looking at.","start":3473.8,"end":3476.52,"sentiment":"neutral","sentiment_score":-0.027550247051597882}],"sentiment":"neutral","sentiment_score":0.012343133639191248,"num_words":62,"start":3449.5999,"end":3476.52},{"sentences":[{"text":"We know we probably can't afford to buy a house on the Gold Coast, so we'd look at just getting an investment somewhere else.","start":3476.52,"end":3481.995,"sentiment":"neutral","sentiment_score":-0.0710004980986317},{"text":"And, yeah, we've kind of parked that other idea of subdividing because it's not really something that's financially viable at the minute.","start":3484.155,"end":3492.175,"sentiment":"neutral","sentiment_score":-0.04896879517896609},{"text":"Yeah.","start":3494.7952,"end":3495.2952,"sentiment":"neutral","sentiment_score":0.07522027939558029},{"text":"Yes.","start":3498.01,"end":3498.51,"sentiment":"neutral","sentiment_score":0.10863228142261504},{"text":"Yes.","start":3505.6099,"end":3506.1099,"sentiment":"neutral","sentiment_score":0.08640580624341965}],"sentiment":"neutral","sentiment_score":-0.05124626696413877,"num_words":49,"start":3476.52,"end":3506.1099},{"sentences":[{"text":"Yes.","start":3517.365,"end":3517.865,"sentiment":"neutral","sentiment_score":0.04055693373084068},{"text":"Yeah.","start":3518.2449,"end":3518.565,"sentiment":"neutral","sentiment_score":0.022699227556586266},{"text":"No.","start":3518.565,"end":3518.7249,"sentiment":"neutral","sentiment_score":-0.05615707486867905},{"text":"I'm happy to do that.","start":3518.7249,"end":3520.105,"sentiment":"neutral","sentiment_score":-0.08398651406168937},{"text":"Yes.","start":3546.265,"end":3546.665,"sentiment":"neutral","sentiment_score":0.013169568032026293}],"sentiment":"neutral","sentiment_score":-0.044407101761963635,"num_words":9,"start":3517.365,"end":3546.665},{"sentences":[{"text":"Okay.","start":3546.665,"end":3547.165,"sentiment":"neutral","sentiment_score":0.027582373470067974},{"text":"Yeah.","start":3550.02,"end":3550.26,"sentiment":"neutral","sentiment_score":-0.02861177921295166},{"text":"No.","start":3550.26,"end":3550.4202,"sentiment":"neutral","sentiment_score":-0.16663438081741333},{"text":"That's why I'm not so far.","start":3550.4202,"end":3552.2002,"sentiment":"neutral","sentiment_score":-0.17056248833735785},{"text":"Okay.","start":3590.3948,"end":3590.8948,"sentiment":"neutral","sentiment_score":-0.04723352566361427}],"sentiment":"neutral","sentiment_score":-0.12382722422480583,"num_words":10,"start":3546.665,"end":3590.8948},{"sentences":[{"text":"Yeah.","start":3599.6748,"end":3600.1548,"sentiment":"neutral","sentiment_score":-0.03579433262348175},{"text":"Yeah.","start":3600.1548,"end":3600.3948,"sentiment":"neutral","sentiment_score":-0.03481489047408104},{"text":"No.","start":3600.3948,"end":3600.7148,"sentiment":"neutral","sentiment_score":-0.09935925155878068},{"text":"I'm happy to push that later and and do it separately.","start":3600.7148,"end":3603.6948,"sentiment":"neutral","sentiment_score":-0.026269936764782124},{"text":"Then we'll just try and find suitable times.","start":3605.14,"end":3607.32,"sentiment":"neutral","sentiment_score":0.035841637989506125}],"sentiment":"neutral","sentiment_score":-0.00782748523422263,"num_words":22,"start":3599.6748,"end":3607.32},{"sentences":[{"text":"Yes.","start":3618.66,"end":3619.065,"sentiment":"neutral","sentiment_score":0.09039133787155151},{"text":"No.","start":3619.545,"end":3620.045,"sentiment":"neutral","sentiment_score":-0.002659577876329422},{"text":"Okay.","start":3632.025,"end":3632.525,"sentiment":"neutral","sentiment_score":0.17343051731586456},{"text":"Cool.","start":3632.665,"end":3632.9849,"sentiment":"positive","sentiment_score":0.4797952175140381},{"text":"That sounds like a good plan.","start":3632.9849,"end":3634.525,"sentiment":"positive","sentiment_score":0.6142350236574808}],"sentiment":"positive","sentiment_score":0.442636763677001,"num_words":10,"start":3618.66,"end":3634.525},{"sentences":[{"text":"Yeah.","start":3643.21,"end":3643.71,"sentiment":"neutral","sentiment_score":0.03912269324064255},{"text":"Okay.","start":3658.625,"end":3659.105,"sentiment":"neutral","sentiment_score":0.048832304775714874},{"text":"No.","start":3659.105,"end":3659.345,"sentiment":"neutral","sentiment_score":0.029932234436273575},{"text":"That's okay.","start":3659.345,"end":3660.085,"sentiment":"neutral","sentiment_score":0.08720029145479202},{"text":"Yeah.","start":3665.92,"end":3666.42,"sentiment":"neutral","sentiment_score":0.05808667838573456}],"sentiment":"neutral","sentiment_score":0.0583957489579916,"num_words":6,"start":3643.21,"end":3666.42},{"sentences":[{"text":"Okay.","start":3684.235,"end":3684.735,"sentiment":"neutral","sentiment_score":0.08321718871593475},{"text":"Okay.","start":3689.55,"end":3689.79,"sentiment":"neutral","sentiment_score":0.2887994349002838},{"text":"Cool.","start":3689.79,"end":3690.27,"sentiment":"positive","sentiment_score":0.5619113445281982},{"text":"Thank you.","start":3690.27,"end":3690.9102,"sentiment":"positive","sentiment_score":0.6837964057922363},{"text":"Thank you for this advice and your time today.","start":3690.9102,"end":3694.11,"sentiment":"positive","sentiment_score":0.7267564005321927}],"sentiment":"positive","sentiment_score":0.6315948846084731,"num_words":14,"start":3684.235,"end":3694.11},{"sentences":[{"text":"I know it's a late call, so apologies for that.","start":3694.11,"end":3697.33,"sentiment":"neutral","sentiment_score":-0.12840224876999856},{"text":"I was just trying to get off guard.","start":3698.35,"end":3700.45,"sentiment":"neutral","sentiment_score":-0.19160021468997002},{"text":"Oh, gosh.","start":3708.445,"end":3709.105,"sentiment":"neutral","sentiment_score":0.18034227937459946},{"text":"Yes.","start":3711.645,"end":3712.145,"sentiment":"neutral","sentiment_score":0.12279552221298218},{"text":"Alright.","start":3724.02,"end":3724.4202,"sentiment":"positive","sentiment_score":0.5497075319290161}],"sentiment":"neutral","sentiment_score":-0.08107439056038857,"num_words":22,"start":3694.11,"end":3724.4202},{"sentences":[{"text":"Thank you so much for your time, and we really appreciate the advice.","start":3724.4202,"end":3727.7202,"sentiment":"positive","sentiment_score":0.854295212488908},{"text":"I'll keep an eye out for for your email and and those documents.","start":3728.4202,"end":3731.7202,"sentiment":"positive","sentiment_score":0.5532785012171819},{"text":"Thank you.","start":3735.665,"end":3736.225,"sentiment":"positive","sentiment_score":0.7237058877944946},{"text":"See you later.","start":3736.225,"end":3736.865,"sentiment":"positive","sentiment_score":0.5752617319424947},{"text":"Bye.","start":3736.865,"end":3737.365,"sentiment":"neutral","sentiment_score":0.29080894589424133}],"sentiment":"positive","sentiment_score":0.6800770061090589,"num_words":32,"start":3724.4202,"end":3737.365}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Oh, we can hear you. Can you hear us? Oh, no. We can't they don't have much to use.\n\nOh, wait. We can now. It's cutting in and out.\n\nChannel 0: Okay. What\n\nChannel 1: Is\n\nChannel 0: is going\n\nChannel 1: this the\n\nChannel 0: on?\n\nChannel 1: Wi Fi or something? I don't know. It's cool. I think this is better. This is definitely better than the Teams.\n\nChannel 0: Yeah. Okay.\n\nChannel 1: That's alright. We can hear you better now. I'm not sure what's going on. Mhmm. It's not me the Wi\n\nChannel 0: May\n\nChannel 1: Fi.\n\nChannel 0: either.\n\nChannel 1: That's alright. If you can hear us okay, we're happy to go. You're just a little bit breaking in and out, but it's not too bad.\n\nChannel 0: I sent you both an email. It I'm hoping it's come through to you. It will at least be coming through to you soon and amongst all of the technical issues we've been having.\n\nChannel 1: Yeah.\n\nChannel 0: It's literally called statement of advice, so it's pretty pretty, you know, I'll be on that one.\n\nChannel 1: I have the email that says invitation statement of advice presentation.\n\nChannel 0: No. No. This is literally just an email that I sent, like, the stuff, like, I don't know.\n\nChannel 1: Yeah. I don't think\n\nChannel 0: I\n\nChannel 1: I have\n\nChannel 0: sent a post of you.\n\nChannel 1: it. No. I don't have it either from you. The last email I got from you was the February 16,\n\nChannel 0: Yep.\n\nChannel 1: but I don't have any emails with any attachments or anything.\n\nChannel 0: We're off to a\n\nChannel 1: Oh, it's just coming in. It's just coming in. I take it back.\n\nChannel 0: hey. Little like never. That's good.\n\nChannel 1: Oh, yeah. Mine just come too. Yeah. It's just literally coming in the last minute.\n\nChannel 0: Okay. Well,\n\nChannel 1: Okay.\n\nChannel 0: the connection\n\nChannel 1: Cool.\n\nChannel 0: also seems to have improved, so maybe things are just coming up now.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. So the document that I sent you and I wanted to send it to you this way so that way you guys could visually see it a lot easier than curating kind of signing platform or anything like that while we talk through everything. And then if you guys\n\nChannel 1: Yes.\n\nChannel 0: wanna go ahead, I'll obviously issue the document to you through, like, electronic signing methodology or methods so that way you're able to sort of authorize the document document.\n\nChannel 1: Yeah.\n\nChannel 0: But, basically, the statement of advice pertains to the full collated data that I've gone through and gathered with you, gathered research wise, and put together.\n\nChannel 1: Yeah.\n\nChannel 0: So when we obviously originally met, we wanted to look a lot at property, which through talking with the brokers and stuff like that, not currently on the radar, but something we're definitely gonna be able to work towards through saving to be able to achieve that.\n\nChannel 1: Yeah.\n\nChannel 0: Now you guys also had a credit card at the time with about two and a half owing on it. I know that you paid that off,\n\nChannel 1: Yep. Yep.\n\nChannel 0: which is fantastic.\n\nChannel 1: Mhmm.\n\nChannel 0: Have we canceled it, or are we just we're keeping it for,\n\nChannel 1: I\n\nChannel 0: like,\n\nChannel 1: haven't canceled it yet. I can. I just it's, like, zeroed out. I've just to be honest, I just haven't gotten around to, like, physically canceling it.\n\nChannel 0: And,\n\nChannel 1: But it's definitely something\n\nChannel 0: realistically,\n\nChannel 1: I can do before we go into a loan\n\nChannel 0: you\n\nChannel 1: or\n\nChannel 0: you\n\nChannel 1: anything.\n\nChannel 0: don't yeah. Like, you don't have to. Right now is the best time for you guys to really spend time building up a credit report, and one of the\n\nChannel 1: Yes.\n\nChannel 0: best ways to do that is to use your credit card in a really effective way. So\n\nChannel 1: Yes.\n\nChannel 0: the way we're gonna do that is by, say, buying our groceries and then going home and transferring the money straight over to the credit card. A, it doesn't. But,\n\nChannel 1: Yeah.\n\nChannel 0: otherwise,\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: it just really enables you to get that credit footprint, increase your credit rating up to over a thousand, and your profile looks a lot better for from a borrowing capacity point of view. It just shows that you're less of a risk when we're purchasing our first home, when we're trying to, you know, make our big first purchases. The fact that you've gone and got a personal loan, we're meeting those monthly repayments, that's gonna add heaps to you. But generally\n\nChannel 1: Okay.\n\nChannel 0: speaking, and I'm gonna assume that it's the way it's being structured, is that the personal loan is probably in just Alicia's\n\nChannel 1: Yes. That's right.\n\nChannel 0: name. Yeah. So it means that Adam's not really getting much of a footprint. The business will definitely help, but the business is not Adam. They're two separate entities.\n\nSo Adam does need to sort of, you know especially if the if the credit card's in Alicia's name again, it doesn't really do much for Adam. I'm not saying\n\nChannel 1: No.\n\nChannel 0: let's\n\nChannel 1: Okay.\n\nChannel 0: go get a credit card in Adam's name, but we could, you know, always cancel that credit card, have a joint credit card, lower the lower the limit. So that way we're not gonna make any\n\nChannel 1: Yeah.\n\nChannel 0: mistakes. And it just kind of gives us that capacity to be able to build a credit footprint in an effective way while still making sure that we're saving and aiming towards that massive savings out there.\n\nChannel 1: Okay. Cool. Yeah. That's definitely something I'm happy to do. Because, yeah, the credit card in my name, it's an ANZ.\n\nIt's linked to my Quanta points, so it is good for getting points. But I'm happy to, I guess, look\n\nChannel 0: Yeah.\n\nChannel 1: at something\n\nChannel 0: Even\n\nChannel 1: to\n\nChannel 0: if\n\nChannel 1: build Adam's credit score up.\n\nChannel 0: you yeah. Even if you look at, like, just getting him on the same credit card. So going to A and M saying, hey. My credit card. 100%.\n\nChannel 1: Yeah.\n\nChannel 0: That's 100%. Like, that credit card that you currently have won't it won't be the same, like, account. They'll set up a new account in joint names, but that's fine. And\n\nChannel 1: Okay.\n\nChannel 0: you can still have it connected to Qantas, Break It Fly Month, and everything like that. It'll just help both of you mutually, especially if you wanna keep the credit card open. And\n\nChannel 1: Yes.\n\nChannel 0: then, you know, depending on what what happens when we get to the point of being able to borrow, the credit card may have to be canceled at that point of view. But it's\n\nChannel 1: Yes.\n\nChannel 0: just about being smart with the credit card. So we're not spending more than we can afford, and we basically put our fuel and our groceries on it, and we pay it off before the end of the month. Pay it weekly\n\nChannel 1: Yes.\n\nChannel 0: with your cycle or full month with your cycle.\n\nChannel 1: Yes. No. We can definitely we can\n\nChannel 0: Yeah.\n\nChannel 1: definitely start doing that. Because at the moment, it's just sitting there zero, and I'm just kind of paying everything on my normal CommBank account that I get paid into.\n\nChannel 0: Yeah. Same.\n\nChannel 1: But I we can definitely start swapping swapping some of those weekly expenses onto the credit card and then paying them instantly.\n\nChannel 0: Yeah. Perfect. Look. That's outside of this advice, but it was just something I did wanna touch base on because there were a couple of some, like, bits and pieces that we were really, like, looking at that don't always form part of advice, but it's good to kind of just to go through.\n\nChannel 1: Yeah.\n\nChannel 0: One one of the other things, I guess, I'll touch on a little bit later, but I just with the fact that you guys wanna buy a home first, there\n\nChannel 1: Yeah.\n\nChannel 0: was a couple of different methodologies that I did look at with purchasing the home. And one of them was using your superannuation fund as a savings account.\n\nChannel 1: Okay. Yeah.\n\nChannel 0: At the moment, I did discount it purely\n\nChannel 1: Okay.\n\nChannel 0: and simply because you guys are only getting a like, just set up. Like, you, you know, haven't even been backing the country in twelve months.\n\nChannel 1: Yeah.\n\nChannel 0: Just allowing you guys to get re just solidify. Find your feet.\n\nChannel 1: Yes.\n\nChannel 0: Have Adam's business, you know, settle in. Have you settle in and with with with work? And then\n\nChannel 1: Yes.\n\nChannel 0: maybe look at it in a little bit.\n\nChannel 1: Mhmm.\n\nChannel 0: There are there were risks with regards to using the super funds to do that kind of strategy. So\n\nChannel 1: Yes.\n\nChannel 0: collectively, and through that, you are then able to pull that money out later along with earning. So along with the the growth of the so it basically becomes an investment account. The downside is is that it's an application to be able to apply to get the money out. The ATO can actually decline you. It has its limitations.\n\nThere's not always guarantees that it's gonna grow. And at the moment, like, I wanted to make sure that you guys could stabilize cash flow wise before we go and kind of jump into, like, a big move like that.\n\nChannel 1: Yes.\n\nChannel 0: Even though I know that we want to buy the house,\n\nChannel 1: Yes.\n\nChannel 0: if the money is in your super fund, you do not have flexibility to just pull it out whenever you want. It's there and it's done Unless you you meet the requirements to actually pull it out under the First Home Super Savers, it's just not you know, it's not easy and you can't do it on a dime. So if you guys turn around and go, we found the perfect pathway and we're done,\n\nChannel 1: Yeah.\n\nChannel 0: you could get locked up with being unable to remove your money for ninety days, which purchasing a house, usually, you're looking at, like, thirty day contracts or fourteen\n\nChannel 1: Yes.\n\nChannel 0: day finance generally. So it's\n\nChannel 1: Okay.\n\nChannel 0: just really restrictive. Definitely something we can look at if you are interested in it, but I did discount it just at the moment just to allow you to kinda stabilize and maybe we look at it in six to twelve months if it's something you guys are keen on.\n\nChannel 1: What's the kind of interest, like, or the growth on those accounts? Is it much higher than, like, a a regular bank interest account? Or\n\nChannel 0: Bank account because bank accounts run off the cash rate. So it's, like, 3%\n\nChannel 1: yeah.\n\nChannel 0: versus in your super funds, it's based on the investment returns within your fund. So historically, both of your funds have kind of run at, like, the nine ish percent mark.\n\nChannel 1: Okay.\n\nChannel 0: Whereas so but, again, it it's not guaranteed. Investments change and fluctuate and sometimes you have a bad year.\n\nChannel 1: Yeah. Yeah. Okay.\n\nChannel 0: So\n\nChannel 1: Because\n\nChannel 0: there's\n\nChannel 1: at\n\nChannel 0: that.\n\nChannel 1: the moment,\n\nChannel 0: The\n\nChannel 1: we're saving into an ING account, which is 5%, but\n\nChannel 0: Yep.\n\nChannel 1: it's\n\nChannel 0: Yes.\n\nChannel 1: guaranteed.\n\nChannel 0: High interest savings account. Yep.\n\nChannel 1: Yeah. So\n\nChannel 0: Yes.\n\nChannel 1: it's, I guess, probably a bit of a safer option, and we also have access to it.\n\nChannel 0: So if there's any ever anything that you wanna do, you are able to to just pull it up.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Like, the ING account's fantastic. And, yeah, you are corrected. ING the ING saver accounts are higher than a normal bank account. They're specifically set up like that because, ultimately, what ING do is ING actually invest your money in the back end. They guarantee you the 5%, and they,\n\nChannel 1: Mhmm.\n\nChannel 0: you know, they walk away with whatever they make over that. So they may may have made 20%.\n\nChannel 1: Right.\n\nChannel 0: They walk away with that earnings, and you walk away with your guaranteed five. Very, very much a safe option. They're\n\nChannel 1: Yes.\n\nChannel 0: taking the risk because ultimately, if the market tanks it, they make 2%. They still have to guarantee you you five.\n\nChannel 1: Yes. Okay.\n\nChannel 0: So\n\nChannel 1: I didn't\n\nChannel 0: they're\n\nChannel 1: know\n\nChannel 0: hedging\n\nChannel 1: they did\n\nChannel 0: their\n\nChannel 1: that.\n\nChannel 0: bets. Yeah. I do all kinds of fun things. Some deposits work the same way as well. So the term deposit, you know, you put x amount of money in.\n\nYou can't attach\n\nChannel 1: Yes.\n\nChannel 0: that money for three, six, nine, twelve months, whatever the case may be, whatever the term of the contract is, and you are guaranteed to get x amount of money back. What happens is the bank generally basically either invests it or they loan that money out to someone else. They get paid interest from that loan, and then they pass some of the interest onto you.\n\nChannel 1: Wow. Okay. Interesting.\n\nChannel 0: Yeah. Can be fun. So yeah. So if you're comfortable with the ING account set up that you have, realistically, it's guaranteed returns. It's a little bit safer, and you guys have that access as well, which is really\n\nChannel 1: Yes.\n\nChannel 0: But I just and, like, I have recommended it to clients before. I just didn't feel at the moment until you guys are really stabilized with, you know, purchasing the car and sort of being in your jobs for, you know, an extended period of time, that it was probably the safest initial move. And with\n\nChannel 1: Yeah.\n\nChannel 0: some of the recommendations I've already put in the document, I didn't wanna scare\n\nChannel 1: Yeah. Yeah. Yeah. No.\n\nChannel 0: you.\n\nChannel 1: That's\n\nChannel 0: So\n\nChannel 1: okay.\n\nChannel 0: let's\n\nChannel 1: I'm\n\nChannel 0: jump\n\nChannel 1: happy\n\nChannel 0: in.\n\nChannel 1: with that.\n\nChannel 0: Cool. Well, let's jump into the actual document\n\nChannel 1: Mhmm.\n\nChannel 0: and run through it. The first few pages are basically the information that you provided when you're talking. So the scope of the advice was basically considered around super insurance. You know, we did obviously talk about the debt management, the house purchase, car purchase, stuff like that. And that was all sort of through being\n\nChannel 1: Mhmm.\n\nChannel 0: able to be Other than that, page six and seven is sort of just where your current position stands. So where, you know, the details of your incomes and and position, your lifestyle assets, and your superannuation fund.\n\nChannel 1: Yeah.\n\nChannel 0: With both of your superannuation fund, neither of your statements had your insurance. So what I've done is I've gone straight to the PDF, and based on your ages, the default insurance benefits would be as what is disclosed on page eight. So that is what the fund would, at a standard amount, enable us to apply for without having to go through any applications. So not really a massive amount of money in comparison to what we did discuss with with sort of looking around that million dollar.\n\nChannel 1: Yes.\n\nChannel 0: Now from there, what we what I sort of looked at was where your super funds sit currently. Now I wanna preface this with the fact that I'm well aware that these documents are hefty in size, and I wish that I could make them smaller. But, legislatively, I have to include all of the rigmarole that it does include. But it comes down to at the nuts and bolts. You are both long term investors when it comes to your superannuation.\n\nWith your superannuation, it is something that you cannot touch for a very long time.\n\nChannel 1: Mhmm.\n\nChannel 0: Unless extenuating circumstances are released, such as Adam being able to pull money out during COVID. You know,\n\nChannel 1: Mhmm.\n\nChannel 0: that was something that that was a parameter that opened up. Not generally something that is allowed, but there are certain circumstances that do allow you to to access. Now\n\nChannel 1: Yeah.\n\nChannel 0: what I looked at for Adam and based on current balance and the current position of the funds, it does currently have insurance. It is very limited insurance.\n\nChannel 1: Mhmm.\n\nChannel 0: It is not receiving any contributions, which I already know based on our conversation and the self employment, the previous\n\nChannel 1: Yeah.\n\nChannel 0: travel, so on and so forth. The recommendations fall down to two simple things for Adam is that the money that you have built needs to stay with Mercer at the moment. Whilst I would love to and did look at alternative funds, the balance that you have does not really allow for any massive diversity of investing. So using stocks and stuff like that isn't really open at the moment based on where you sit. What I do wanna do, and a 100% happy to help you out and want to help you out getting that done, is to alter the investment that you currently have.\n\nCurrently, the investment that you have in place is a little bit more conservative than what I would want you to be in, and what I wanna do is I wanna increase that risk. So it's basically putting more asset into equities, like your global Australian equities to enable you to actually have the growth backing. Currently, with your Mercer Fund, you're in what they call, like, their my super or their smart path option, which is basically your age. I wanna remove you out of that because what happens is as we get older, they slowly start decreasing the risk, which is it's cool. It's basically like a bit of a bell curve as when we're young, they have, you know, high risk.\n\nAnd then when we hit about 45, they start slowly decreasing the risk because according to the minds that be, what happens, we hit 45 as we've got all our stuff sorted, and and ultimately, we should be paying our debts off and consolidating everything. And, you know, we're no longer taking on debts, and that's\n\nChannel 1: Yep.\n\nChannel 0: kind\n\nChannel 1: Yes.\n\nChannel 0: of how life should roll. It's not how life rolls, but that's how they put it. So what I wanna do is basically take the money because you're probably a 100% within that one fund and split you out over three different holdings. One is like the them it's still a sort of mixed it's called a mixed asset\n\nChannel 1: Yep.\n\nChannel 0: portfolio. It's a there's a high growth portfolio. Put you 50% in there, and then the other 50% split evenly between Australian international shares just to push you back into that threshold. So\n\nChannel 1: Yep.\n\nChannel 0: that way, you're sitting more towards, like, a 95% invested in the market, and you've only got a little bit sitting defensively. You're always\n\nChannel 1: Mhmm.\n\nChannel 0: gonna need defensive assets, but we don't wanna have too much sitting defensive because currently, you've got all percent sitting defensively. Majority of it's sitting sort of in your alternative defensive asset. You've got some defensive property as well,\n\nChannel 1: Yep.\n\nChannel 0: but I wanna sort of push more of it into that that growth.\n\nChannel 1: Yep.\n\nChannel 0: So that's nice and easy, and I can do that for you. Either you\n\nChannel 1: Yep.\n\nChannel 0: if you're willing or happy to, you can do it on the portal. To save you needing to navigate that, there's a form I can send you. Unfortunately, it does have to be wet signed, so pen to paper signed, but I can send it to you by post. We can sign\n\nChannel 1: Yeah.\n\nChannel 0: it, and we can submit it to us off. It'll\n\nChannel 1: Okay.\n\nChannel 0: mean that the current investment and all future investments moved into that new allocation. And then we can just touch base each year, make sure that everything's tracking on well. And when the funds gets to a point where we can do more with it, we will. So when\n\nChannel 1: Okay.\n\nChannel 0: the balance increases to a point where we can actually start investing in a more ergonomic way, But\n\nChannel 1: Okay.\n\nChannel 0: for now, this is gonna give you the best opportunity to just get that balance up\n\nChannel 1: Yep.\n\nChannel 0: in line with that. And if you're reading the document, I am very much going all over the place because while the document's in one order, my brain's in another. Even though I broke the document, in line with that, what we do need to do is we do need to start contributing to the fund. So currently, legislation stipulates 12%. I would like you to get to the point where you are making 12% contributions.\n\nChannel 1: Yep.\n\nChannel 0: But I am reasonable in the fact that you are trying to save towards the house as well.\n\nChannel 1: Yep.\n\nChannel 0: So there's one of two options that we have. I have recommended 12 because\n\nChannel 1: Yep.\n\nChannel 0: I need to, and, also, it does give you the best outcome. If I could say, you know, more money, I would.\n\nChannel 1: Yep.\n\nChannel 0: Mhmm. And that's purely and simply because it's gonna allow you to actually build it. So it's gonna support the insurance premiums that I'm recommending that we start taking on.\n\nChannel 1: Okay.\n\nChannel 0: Now 12% of your income, because your income's high, means that we're putting quite a bit of money in.\n\nChannel 1: Yeah.\n\nChannel 0: We're putting, like, $20 in a year. How\n\nChannel 1: Mhmm.\n\nChannel 0: comfortable are you with that?\n\nChannel 1: Oh, I just yeah. Like, I can make that happen. Yeah. Of course. Like, if that's something that yeah.\n\nYeah. I can make that happen. I I haven't contributed to it at all racing lane. But, yeah, if we once I get on track, I think that that's can be achievable.\n\nChannel 0: What we do or how we structure it is basically under the business.\n\nChannel 1: Mhmm.\n\nChannel 0: But and, again, I know it's it's very much ABN wise, but we structure it to the point where, you know, because you get paid because you get paid through an ABN, you need to sort of generally try and make sure you're taking care of any taxes and stuff like that.\n\nChannel 1: Yeah.\n\nChannel 0: Outside of taxes and if you have a good accountant that's working with you, they will generally be they will generally make sure that you put tax to the side. So don't wait\n\nChannel 1: Yep.\n\nChannel 0: for the tax bill to come. Have an account that you put your your tax money aside into.\n\nChannel 1: Yep.\n\nChannel 0: Do the same thing with your superannuation. So that way\n\nChannel 1: Mhmm.\n\nChannel 0: every quarter when you sit down and do your BAS, you pay your BAS, and you put\n\nChannel 1: Okay.\n\nChannel 0: the money into your superannuation fund at the same time. K? So it's just a matter of just structuring it in a sound way. Now,\n\nChannel 1: Yeah.\n\nChannel 0: generally, it's easier to kinda roll with 10%. That way, it's 10% of whatever I got whatever I earned out of that pay run goes over there into that account for my super.\n\nChannel 1: Yep.\n\nChannel 0: And I would be willing to begin with while you get yourself set up to to pay, go with 10%. Go with 10%. It's an easy round figure for you to be able to calculate\n\nChannel 1: Yep.\n\nChannel 0: and and pop into that that account. And then each quarter, pay it. I will give you the details to be able to pay into pay into, like, a super\n\nChannel 1: Yep.\n\nChannel 0: fund. So that way, it can all go that way. If you don't wanna pay it that way and because I I know you have an you have an accountant. You did have an accountant, and I'm not misremembering that. Right?\n\nChannel 1: No. No. I did. Yeah.\n\nChannel 0: Yeah. Cool. And you had a good accountant that you liked, which is why you didn't want any of my accountant recommend hey. You know,\n\nChannel 1: I\n\nChannel 0: I remembered\n\nChannel 1: mean,\n\nChannel 0: something.\n\nChannel 1: maybe. I mean, I don't know. I I don't know. I think it's shit. I don't know.\n\nI don't know. He\n\nChannel 0: We're not\n\nChannel 1: bought a\n\nChannel 0: liking\n\nChannel 1: bunch\n\nChannel 0: him.\n\nChannel 1: of shit by the way. I could yeah. I I don't know. He charges a lot,\n\nChannel 0: Look.\n\nChannel 1: but and, like, I don't\n\nChannel 0: Most\n\nChannel 1: know\n\nChannel 0: accountants\n\nChannel 1: how much he's\n\nChannel 0: are in\n\nChannel 1: got.\n\nChannel 0: my book.\n\nChannel 1: Hey?\n\nChannel 0: Most accountants are crap in my book. Like, they hit me to tears, and now they never call you back when you need them to.\n\nChannel 1: Yeah. Yeah. And, like, it doesn't follow-up, and and I'm not sure if I should start doing, like, my bath myself. Like, is that a good idea or no? I just feel like he because he charges\n\nChannel 0: It\n\nChannel 1: me,\n\nChannel 0: comes\n\nChannel 1: like,\n\nChannel 0: down\n\nChannel 1: six\n\nChannel 0: to\n\nChannel 1: 100 to do my bath, and I feel like that's really expensive\n\nChannel 0: Yeah.\n\nChannel 1: after\n\nChannel 0: So\n\nChannel 1: I've\n\nChannel 0: it's\n\nChannel 1: reconsolidate me.\n\nChannel 0: been a long time. Yeah. Yeah. Especially so it comes out of two things, time, effort, and knowledge. Do you have the time\n\nChannel 1: Yeah.\n\nChannel 0: to do your bath? Do you have the effort to want like, to even want to do it? And do you have the knowledge to be able to do it? Like\n\nChannel 1: Probably\n\nChannel 0: me,\n\nChannel 1: got\n\nChannel 0: I\n\nChannel 1: one of\n\nChannel 0: can\n\nChannel 1: them.\n\nChannel 0: mow my lawn. I have I have the I have the knowledge on how to mow my lawn, still force my\n\nChannel 1: Yep.\n\nChannel 0: 12 year old to do it\n\nChannel 1: Yeah. Okay.\n\nChannel 0: and pay him for the privilege.\n\nChannel 1: Yeah.\n\nChannel 0: So it it it comes down to those three factors. Generally, with any business related aspect is do you have the time to do it? If you do, that's fantastic. Do you have the knowledge to do it? If you don't, maybe it's something that you spend the next six months every time the accountant does the BAS.\n\nYou just inquire a little bit more, learn more, expand\n\nChannel 1: Yeah.\n\nChannel 0: your knowledge bases, do the research into how to do it, make sure that you're doing it on time, make sure\n\nChannel 1: Yeah.\n\nChannel 0: you set, you know, calendar reminders for yourself to do it. 100%.\n\nChannel 1: Mhmm.\n\nChannel 0: It's a massive savings fund wise.\n\nChannel 1: Yeah.\n\nChannel 0: But it's saying, yeah, I'm gonna save the money and and and I'll do this myself and then actually doing it, two different things.\n\nChannel 1: Yep. Yeah.\n\nChannel 0: Now if you don't like your\n\nChannel 1: Uh-huh.\n\nChannel 0: accountant, I have worked with many accounts that I actually do like.\n\nChannel 1: Are they Gold Coast based?\n\nChannel 0: They are Gold Coast based, which\n\nChannel 1: Okay.\n\nChannel 0: because you're in Tella, that kinda sucks. Like, most accountants do everything over the phone. I haven't seen my accountant\n\nChannel 1: Yeah.\n\nChannel 0: in ten years, and I've been working with her twelve. She\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: works\n\nChannel 1: Yeah.\n\nChannel 0: up in Brisbane.\n\nChannel 1: Yeah.\n\nChannel 0: It's the, like, West Brisbane. I just email her, and I'm like, here's everything. Thanks. Bye.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: But yeah. Like, I have an account in here on the Gold Coast that I have recommended and a few of my clients do. Look. You can use my account that I've used for twelve years, but you're not gonna like her cost. I can tell you that much.\n\nRight. I don't like her cost. I'm just stubborn, and I've been with her for too long to have the even consider moving. But if you do wanna review it, just let me know, and I can find out what they charge for BAS and stuff like that and let you know.\n\nChannel 1: Okay. Alright.\n\nChannel 0: But yeah. Contributions? Sorry. So off track.\n\nChannel 1: Yep.\n\nChannel 0: Contributions are definitely a need to have. Because otherwise,\n\nChannel 1: Is this\n\nChannel 0: we're\n\nChannel 1: not\n\nChannel 0: just gonna\n\nChannel 1: like\n\nChannel 0: end\n\nChannel 1: I've\n\nChannel 0: up\n\nChannel 1: I've got a, like, a tax bill that I'm, like, trying to triple a out. Is this\n\nChannel 0: yes.\n\nChannel 1: something I could be doing together?\n\nChannel 0: After\n\nChannel 1: Or\n\nChannel 0: your tax bill. After your tax bill.\n\nChannel 1: okay.\n\nChannel 0: So get\n\nChannel 1: Yeah.\n\nChannel 0: let's get our tax bill, and that's what I mean about let's stabilize our finances is\n\nChannel 1: Yeah.\n\nChannel 0: let's get our tax bill sorted and paid off. And then once our tax bill's sorted and paid off somewhere a little bit more stable and we're\n\nChannel 1: Yep.\n\nChannel 0: putting money away to keep on top of that our taxes and able to\n\nChannel 1: Yep.\n\nChannel 0: put a little bit more money away into those avenues, we start making\n\nChannel 1: Yep.\n\nChannel 0: the contributions. So it's not\n\nChannel 1: Okay.\n\nChannel 0: gonna be something that we, you know, pick up tomorrow and say let's start paying. It's\n\nChannel 1: Yeah.\n\nChannel 0: let's just stabilize ourselves. Let's get the tax\n\nChannel 1: Yeah. I'm\n\nChannel 0: bill\n\nChannel 1: fine.\n\nChannel 0: paid off. Get a little\n\nChannel 1: Mhmm.\n\nChannel 0: bit more money sitting in that kitty in that savings account so\n\nChannel 1: Yeah.\n\nChannel 0: we have a little little bit of room to move, breathe. That way, if anything happens, I e, one of the car needs new tires.\n\nChannel 1: Yeah.\n\nChannel 0: It's, you know,\n\nChannel 1: Good.\n\nChannel 0: thousand dollar\n\nChannel 1: Yeah.\n\nChannel 0: endeavor in and of itself.\n\nChannel 1: Yeah. We've been\n\nChannel 0: You have\n\nChannel 1: we've\n\nChannel 0: the\n\nChannel 1: been\n\nChannel 0: money. You have the backing.\n\nChannel 1: yeah. We've started to save. I wouldn't say we've got heaps. We've got $8 in a joint account towards a future house, and then Adam's got another 8 towards the tax bill that it's gonna go on. So we are working towards it.\n\nBut, yeah, I think the tax bill is still probably a fair chunk away from being paid off. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Why do I feel like $60 is where we're sitting?\n\nChannel 1: Oh, I think\n\nChannel 0: Is it\n\nChannel 1: it's\n\nChannel 0: 40?\n\nChannel 1: about\n\nChannel 0: 60?\n\nChannel 1: what are we What? Your tax bill. 32? Oh, the 32? And then\n\nChannel 0: 30\n\nChannel 1: I'm gonna\n\nChannel 0: 2.\n\nChannel 1: put up about to put $8 towards that for the\n\nChannel 0: Alright. So\n\nChannel 1: app.\n\nChannel 0: it's\n\nChannel 1: 20\n\nChannel 0: gonna\n\nChannel 1: 6\n\nChannel 0: come down significantly. Yep.\n\nChannel 1: 24. Yeah. 24 soon. Yeah. Yeah.\n\nChannel 0: No. No. That's perfect. So we're gonna bring it right down. And, also, considering when I spoke to you guys literally the three months ago, we had $2 in savings.\n\nSo the fact that we've gotten up to $16 total we're doing pretty well.\n\nChannel 1: Yeah. Yeah. We are trying.\n\nChannel 0: I'm\n\nChannel 1: We've\n\nChannel 0: doing\n\nChannel 1: definitely\n\nChannel 0: really\n\nChannel 1: tried to rein it in, the spending and and everything, but still Yeah. Live life a little bit.\n\nChannel 0: well. Yeah. Oh, you still\n\nChannel 1: Yeah.\n\nChannel 0: have to live life. You still have to have some freedom, but no, that that's perfect. The fact that you allowing yourself the the indulgence of his life, but you're still making good headway with savings. I know your overheads are pretty low, so you do have the capacity to save,\n\nChannel 1: Mhmm. Yes.\n\nChannel 0: which is good. But, yeah, I think we just try and tackle that bill, which realistically, if you've been able to pay that, you've got what? Maybe if you're able to keep on that savings trajectory, got maybe three three more to three months, I think. And that's\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Also making sure that you're putting money away to pay new ATO bills. So\n\nChannel 1: Yeah.\n\nChannel 0: we're not just putting everything into that ATO debt because otherwise, all we're gonna do is pay off the old debt and incur a new\n\nChannel 1: Yeah.\n\nChannel 0: one. So we have to think about it strategically and put money aside each month as you get paid or each pay cycle as you get paid, put money into that tax account. I'm not saying I'm not saying let's put extra money for super. Let's just put money into the tax account.\n\nChannel 1: Yeah. If his if his business is putting, say, $500 a week into that towards the current tax bill, though, would that not reduce his the business's overall No. Earnings? No. No.\n\nIt's all\n\nChannel 0: No.\n\nChannel 1: deduction, is it?\n\nChannel 0: No.\n\nChannel 1: No.\n\nChannel 0: No. No. No. A tax bill is not a deduction. Tax bills are you didn't pay us.\n\nYou now owe us,\n\nChannel 1: Yeah.\n\nChannel 0: unfortunately.\n\nChannel 1: Bye bye.\n\nChannel 0: Yeah.\n\nChannel 1: Okay.\n\nChannel 0: It's unfortunate. Very wrong. Like yeah. I I wish there was a way around that. But, yeah, there's not.\n\nI can't think of anything. I'm not an accountant, but then, yeah, there's definitely no way around being able to deduct that.\n\nChannel 1: Yeah. Okay. That's alright.\n\nChannel 0: Yeah.\n\nChannel 1: He's not off\n\nChannel 0: Would\n\nChannel 1: here.\n\nChannel 0: you try?\n\nChannel 1: He's in trick somewhere.\n\nChannel 0: I would love to I would love to write my tax off on tax.\n\nChannel 1: No. Well, I don't have to carry it. That's fine. I just love that.\n\nChannel 0: Yeah. Look. Realistically, what you can do, and I have seen it before, and you could talk to your accountant about doing it, is it takes a lot of asset management, so whether you you and your accountant wanna do it, but you can apply to basically get a reduction on it if you pay, like, a lump sum. And, like, I'm not saying $8 lump sum. I'm saying, like, it might be 32 if you pay 28.\n\nThey'll wipe off the additional 4.\n\nChannel 1: And it's just saying\n\nChannel 0: It's\n\nChannel 1: I have\n\nChannel 0: possible\n\nChannel 1: to do it with my account.\n\nChannel 0: yeah. Your account will have to apply to the ATO. Oh, I mean, you could possibly do it. I'm not gonna lie. I have zero ideas how to do it.\n\nI just know that you can.\n\nChannel 1: Yeah. Right. But we need a a\n\nChannel 0: But\n\nChannel 1: bigger lump sum than the 8.\n\nChannel 0: you need to have the money to do it. Yes.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. You need to have the money to do it. Because while you have the ATO debt, it does incur interest.\n\nChannel 1: Yep. Correct.\n\nChannel 0: Yeah. So you can sometimes get that waived or wiped to a certain degree up to a certain amount.\n\nChannel 1: Do\n\nChannel 0: So\n\nChannel 1: you is there, like,\n\nChannel 0: it's\n\nChannel 1: requirements for that, though? Like, do I have to claim\n\nChannel 0: it's\n\nChannel 1: some sort\n\nChannel 0: zero\n\nChannel 1: of hard\n\nChannel 0: ideas.\n\nChannel 1: work? You know?\n\nChannel 0: I'm I have no idea. I honestly\n\nChannel 1: Yeah.\n\nChannel 0: don't. I just know that you can, not any of the parameters around\n\nChannel 1: Yeah. Yeah. That's okay.\n\nChannel 0: how to. Know all this useless information. Just no idea how to execute it. So yeah. So it's an option.\n\nI mean, just next time you meet with your accountant, just kind of maybe flag it as a could we do this type of scenario.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Wouldn't be worth\n\nChannel 1: Okay.\n\nChannel 0: it. Wouldn't be wouldn't hurt. Don't make a special appointment for it. Just keep doing what you're doing, saving, and see what happens from\n\nChannel 1: Yeah.\n\nChannel 0: there.\n\nChannel 1: Okay.\n\nChannel 0: Cool. So on Adam's Superfund side, it's a basically retain Mercer. Let's start getting money paid to it, and\n\nChannel 1: Yep.\n\nChannel 0: let's make some investment changes on Alicia's side.\n\nChannel 1: Yep.\n\nChannel 0: What I actually wanna do is you whilst 40 grand's not a massive amount,\n\nChannel 1: Yes.\n\nChannel 0: it's actually pretty average for your age group. Like,\n\nChannel 1: Mhmm. Yeah.\n\nChannel 0: You're nearly hitting 6 figures, which is great. So your\n\nChannel 1: Mhmm.\n\nChannel 0: contributions are gonna be coming in from your employer automatically. Because you're employed in that structure, your employer has an obligation to pay, which is\n\nChannel 1: Yeah.\n\nChannel 0: great.\n\nChannel 1: It is.\n\nChannel 0: What I'm actually recommending is we do open up your ability to invest more strategically.\n\nChannel 1: Okay.\n\nChannel 0: So we migrate your funds from Brida over to Hub twenty four. They're a more open investment platform, and it just gives you thousands of different investment options available. And, eventually, that's what I sort of wanna do with Adams as well. And we can link the two accounts together so that way you guys have visibility across each other, and it just enables you to do some more. It means that also in the future when we kind of stabilize a little bit more and maybe we have some further investing goals, we can also have an investment account that we can grow and build alongside the super funds that personally\n\nChannel 1: Okay.\n\nChannel 0: owned that you can withdraw and access later.\n\nChannel 1: Yes.\n\nChannel 0: So it just gives you a bit more access to everything. Now with Hub twenty four, there's multiple different investment options. But what I wanna do is that we actually like, you actually worked with BlackRock, who are one of the biggest investment managers in the country. Well, actually, they're actually the one. But that's it.\n\nAnd we built what's called a separately managed account. So it's called an SMA. Now what that does is it basically houses think of a big circle, and inside that circle are lots of different circles. And each of those little circles are different investment groups. So one over here could be, say, Australian investments, and inside that Australian investment\n\nChannel 1: Okay.\n\nChannel 0: are, say, hundreds of little individual assets.\n\nChannel 1: Mhmm.\n\nChannel 0: And then\n\nChannel 1: Yeah.\n\nChannel 0: over in another circle, you've got US investments. And inside that little circle is a bunch of different other little things. And you've got heaps of different things.\n\nChannel 1: Yeah.\n\nChannel 0: So it means that, basically, you're able to invest on a level where you have, say, point one of a percent of a share in a company.\n\nChannel 1: Okay.\n\nChannel 0: So you are diversified a lot more while basically just being in the one asset. It also means that if the market's going to go through anything crazy, we work with our investment committee, which BlackRock sit on, and we can make movements within that SMA. So if all of a sudden we sit there and go, oh, you know what? Japan's not doing so great anymore. We're gonna\n\nChannel 1: Yeah.\n\nChannel 0: change the waiting. We're gonna move out of Japan a little bit and maybe buy a little bit into, you know, Europe or other other sort of entities. We\n\nChannel 1: Yeah.\n\nChannel 0: can do that without having\n\nChannel 1: Mhmm.\n\nChannel 0: to jump on the phone and say, hey. Japan's not doing great. Let's do this. And we have that time sensitive ability to make those moves in that capacity,\n\nChannel 1: Okay. Mhmm.\n\nChannel 0: you're not losing anything that you already have. Like, you currently when you you know, if you were to log in to your Brighter Super app, you see one investment option that you hold. That's all you see. So you're gonna see the same sort of thing. You're gonna see the\n\nChannel 1: Yeah.\n\nChannel 0: one investment option that you hold. You're not gonna see anything crazy or anything different. But the cool thing is that you can actually click on that invest investment option, and it actually breaks down every single one of the entities that you do hold down to the fact that you can see that you have, say, CBA shares and stuff like that. So\n\nChannel 1: Okay. Cool.\n\nChannel 0: really cool from that degree just being able to see what your actual underlying investments will be.\n\nChannel 1: Yes.\n\nChannel 0: Cool.\n\nChannel 1: No. I'm happy to do that.\n\nChannel 0: Now in line with the superannuation side. So nice and easy. We make a move. We do the investor change. We'll get you the form that you need to start contributing.\n\nThe form that you provide your employer so they can start contributing.\n\nChannel 1: Yes.\n\nChannel 0: Now when\n\nChannel 1: Okay.\n\nChannel 0: we spoke, we wanted to look at insurance that was to the the level of about a million dollars.\n\nChannel 1: Yeah.\n\nChannel 0: We can decrease this if we're uncomfortable at this level, but we looked at a million dollars. We talked about a million dollars, and what that was aiming to do was basically buy a house outright. So if anything happened to either of you, the other would be left the house. If you were never able to work again, we have a fully paid for home,\n\nChannel 1: Yes.\n\nChannel 0: and the other person would be able to just work to pay for the living expenses.\n\nChannel 1: Yes.\n\nChannel 0: So what I looked at was a million dollars worth of life and total amount of disability.\n\nChannel 1: Mhmm.\n\nChannel 0: Now for adam,net life as the insurer was suitable, and that's occupation based. Because he's a rigor. You want a provider that, a, deals with that occupation, and, b, treats that occupation fairly in the market.\n\nChannel 1: Okay.\n\nChannel 0: Not not every insurer goes after every occupation demographic. Some insurers are better for professionals or doctors. Others are better for heavy manual. I have specific insurers that are better for, you know, mining.\n\nChannel 1: Right. Yes.\n\nChannel 0: MetLife loves farmers, love miners. They love our heavy blues. So MetLife came out the best for occupation rating cost features when it comes to your post occupation, Adam. So if we write a million dollars worth of life and total in home facility, we're looking at $987.62 per year. Your super fund can pay for it.\n\nSo your super fund currently pays for the premiums. Your super fund can continue to pay for the premiums. So\n\nChannel 1: Okay.\n\nChannel 0: it's not going to erode anything there.\n\nChannel 1: Yep.\n\nChannel 0: The benefits of that are that because your super fund pays for it, it's 15% cheaper. So if you were to pay for it, it becomes $1,100 or 1,162.\n\nChannel 1: Yes.\n\nChannel 0: Because your super fund is paying for it, you get a deduction because the super fund claims. The downside are that under a claim, it's basically a two claim process for either life or TPD. So what happens is you would go to MetLife. MetLife insurance approved the claim, and then they send the claim to the superannuation claims team.\n\nChannel 1: Yes.\n\nChannel 0: It's all\n\nChannel 1: Wow.\n\nChannel 0: done internally, and, realistically, you as the customer don't see anything to do with it, and all you would see is one extra form that you have to fill out. You, if I had, didn't tell you, wouldn't really notice anything about the claims process. With life insurance, when it's owned by the Superfund, you are limited on who you can nominate as a beneficiary. So a little bit of a downside. You're limited to basically a spouse, a child, or a financial dependent.\n\nNow I assumed, and based on our conversations, that we're gonna nominate each other anyway.\n\nChannel 1: Yes.\n\nChannel 0: So not gonna be an issue with regards to nominations because you guys are each other's\n\nChannel 1: Yes.\n\nChannel 0: thousand. With CPD, that's probably the biggest downside that we have when it comes to paying for the insurance within the super fund rather than paying for it personally. If you pay for total impairment disability insurance personally, it's paid to you tax free. It's paid directly to you. It goes into your bank account.\n\nIt's done. It's deducted. You walk away with a million dollars. When it's paid for by the super funds, what happens is Mercer actually sets up a brand new super fund for you. It because I'm sorry.\n\nMetLife. MetLife set up a brand new super fund for you. It's basically like a MetLife insurance holding account. You were then able to do one of two things with that money. The money was paid from the insurer to the super fund.\n\nAnd then if you wanna get that paid to your bank account, you pay up to 22% tax because you are not over 60. Yep. Or you can roll that into a super fund. You can invest that. It can hold there.\n\nYou can set up a pension account so you can have a weekly, monthly, fortnightly income stream. And there are a heap of tax reduction reducing. I had a client. She was 42. Williams held it disabled.\n\nI pulled over a million dollars out of her super fund, and she paid not a cent in tax. So there are ways that you can minimize to the point of completely mitigating the tax obligation, but it's not always the case. Generally, the best I see is around the 5% tax mark,\n\nChannel 1: Yep.\n\nChannel 0: but I'm forever gonna love my 43 year old because $5,000,000 no tax. So there there are there are definitely ways that we we can minimize the tax, but that's a you and me conversation if we ever have to make a claim on that. I just wanna make you aware that if you just go off and put a claim in and get them to pay you, you are paying it's not gonna be 22% straight up, but it it's pretty close to 22%. I always say\n\nChannel 1: Yep.\n\nChannel 0: up to 22%. There's always some concessions that you get straight off the bat that are calculated at the time that you go to claim. So it's not something\n\nChannel 1: Yep.\n\nChannel 0: I can estimate and and give you a figure for now. It's just that time of claim. That's what it ends up being.\n\nChannel 1: Okay.\n\nChannel 0: So yeah. So the downside majorly when it comes to TPD, but it's being paid inside super is that. What we do is we, you know, we cancel the insurance with Mercer. So we'd submit a cancellation request with Mercer to cancel the current insurance inside it so you're not paying for double insurance premiums when the new insurance went in in force. And, again, Mercer would just pay the premiums every year for MetLife.\n\nChannel 1: Okay.\n\nChannel 0: On the flip side for Alicia,\n\nChannel 1: Mhmm.\n\nChannel 0: same same informationally, insurer is ClearView.\n\nChannel 1: With\n\nChannel 0: ClearView,\n\nChannel 1: you.\n\nChannel 0: like like color professional jobs. So government employee, death job, all the rest of the things, they love you as a person. MetLife, not so much. So what we've what we've got is same thing there is a million dollars worth of life, million dollars worth of CPG, white collar profession versus what we've got as a blue collar, very different. You're also a female versus a male.\n\nYour\n\nChannel 1: Yes.\n\nChannel 0: premiums are $406.90. Occupation rating does play a massive part. Also, gender does play a massive part. Females generally pay that. Men are just slightly more risky.\n\nChannel 1: Yes.\n\nChannel 0: It's generally not. It's never too too much, but it's always just a couple of dollars different, which is always something funny to to look at. Although there's some occupations, women do pay more. But anyway so same time. What we do is we we replace the current insurance that you have within Ryder Super.\n\nSo basically, when what we would do is we would set up your new insurance policy. We'd set up your Superfund account. We'd roll majority of the funds over from private super, leave about $10. So we'd roll sort of, like, that $30 over into hub twenty four, leave\n\nChannel 1: Yes.\n\nChannel 0: 10, get the application for your insurance done. Because\n\nChannel 1: Yes.\n\nChannel 0: insurance applications, while they don't normally take a lot of time, they can take time.\n\nChannel 1: Okay.\n\nChannel 0: Like, I've I've seen applications take twelve months, and that's because medicals are required and stuff like that.\n\nChannel 1: Oh, okay.\n\nChannel 0: Yeah. They can drag out.\n\nChannel 1: Yeah.\n\nChannel 0: With these insurance applications, what you would do is you would go through a full application process. So you actually answer a full medical questionnaire, and you disclose to the insurer your past medical history, family\n\nChannel 1: Okay.\n\nChannel 0: history, stuff like that. Nothing we spoke about raises concerns for me. I know that Adam has some family history with dad, and at least if you you broke your back horse riding, high cholesterol, but that's all controlled. Pap smears, all fine. No stress with any of that.\n\nIt all needs to be disclosed to them,\n\nChannel 1: Yes.\n\nChannel 0: but that's just so so they're aware. And what they do is they basically treat you like an individual person rather than a random number, and it means that claims process is a lot easier. Now\n\nChannel 1: Okay. Cool.\n\nChannel 0: if we're uncomfortable with that insurance amount, I did look at 500,000 as well, but 500,000 is not really gonna get us to the what we want to purchase a full house and so on.\n\nChannel 1: Yeah. And am I I don't know if I'm reading this right, but does the money come out of that super account per year or\n\nChannel 0: Full. Yeah. Yeah. Correct. So your superannuation fund would pay for the insurance policies.\n\nChannel 1: no? No. Yeah. Yeah. I'm I mean, obviously, Adam is a lot his bills higher than mine, but I'm happy with 400.\n\nIt says 400 and something per year. I think that's a reasonable amount for for life insurance for a million dollars.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Now\n\nChannel 1: How about you, Adam?\n\nChannel 0: it's fantastic.\n\nChannel 1: Yep. Yep. Yeah.\n\nChannel 0: Perfect. Now\n\nChannel 1: Cool.\n\nChannel 0: the one a couple of things that we didn't I didn't include, one was income protection,\n\nChannel 1: Yeah.\n\nChannel 0: and the other was trauma. Trauma\n\nChannel 1: Yeah.\n\nChannel 0: is an out of pocket expense. And once I do definitely wanna look at getting it in the future, again, I really wanna just stabilize our personal finances before we do jump into that.\n\nChannel 1: Yes.\n\nChannel 0: And with income protection, the premiums were just too heavy to\n\nChannel 1: Yes.\n\nChannel 0: be swinging into the funds we currently have established. We need to really beef up the money that we have within our super funds before we're able to start hitting it with premiums to that extent because it's couple grand.\n\nChannel 1: Yes.\n\nChannel 0: Because income protection is basically if you were short term ill or injured unable to work, it gives you a monthly benefit to basically be able to to give you income while you're not working.\n\nChannel 1: Yeah.\n\nChannel 0: So I didn't wanna basically give you that impact. I didn't wanna impact your your super funds right now, and we do undertake that as, like, a future endeavor.\n\nChannel 1: Yeah. And I think we talked about maybe probably doing it more for Adam rather than me because he's, I guess, higher risk and also similar\n\nChannel 0: Correct.\n\nChannel 1: yeah.\n\nChannel 0: Yes. Correct. And what I would love to do is and, again, once that ATO debt's cleared up, we have a little bit more of a backing, is we structure the income protection to be paid for personally by the business because that's a tax write off.\n\nChannel 1: Maybe.\n\nChannel 0: So we can structure it that way with that income protection policy. But, again, just wanna kind of try and clean up those those personal finances a little bit first.\n\nChannel 1: Yes.\n\nChannel 0: So, yeah, that is basically the crux of the advice. The last few pages go through or the last few few strategies, I should say, go through estate planning. So just because we're setting up new accounts, because we're setting up new policies, you know, Adam, I know we're retaining your Mercer Fund, we just update and make sure that the beneficiary nominations that are on file with each of the funds are accurate and nominate each other. And the reason\n\nChannel 1: Yes.\n\nChannel 0: for that is is that if anything happens, we wanna make it a smooth claims process. Second to that is because we are intending on building a life together, what we wanna\n\nChannel 1: Yes.\n\nChannel 0: do is we want to make sure that we have established a good will nomination structure. So\n\nChannel 1: Yes.\n\nChannel 0: putting in place a will and a power of attorney because we're\n\nChannel 1: Okay.\n\nChannel 0: not married. And even if we were married, having the legal document in place just enables either of you to communicate with other providers, bank accounts, super funds, loan companies, stuff like that if something happens to the other person.\n\nChannel 1: Yeah.\n\nChannel 0: There are a couple of avenues that we can take to get those documents in place that don't cost us a lot of money. So whilst, yes, going and sitting with a lawyer is obviously an avenue that we can take, the other side of things is that we can do it through online providers, or secondarily to that, we can also use the public trustee. The public trustee actually has, like, free provisions. You can book in and schedule times to sit with the public trustee and actually drop your will. They're always really inconvenient times, and they're always booked out for three months in advance.\n\nBut they are there and available, which is really cool. There's there are companies like WIL, w r, double l, e d, that it it's I think the last time I looked at it, it was maybe $100\n\nChannel 1: Okay.\n\nChannel 0: to do what you will online, but\n\nChannel 1: Yes.\n\nChannel 0: It's pretty inexpensive. Me and my husband look. I have a total of and both of our power of attorney documents, it cost a thousand bucks. So it wasn't hugely expensive\n\nChannel 1: Yes.\n\nChannel 0: to get them done. Again, mine was pretty simple. It was basically if anything happens, one of my poor sisters gets them. So that's something you can do for yourselves. It'll basically be mirror will.\n\nChannel 1: Yes.\n\nChannel 0: So a will\n\nChannel 1: Yeah.\n\nChannel 0: is never done for two people. You do an individual will for each person, but you can just mirror each other. But a will just allows you to have provisions within it as well. Now for Adam's business, if you wanna go to the point of, like, the business and and and all that kind of stuff, you can make it more complex. But with the structure that you currently have in place, it's probably not something you need to consider.\n\nIf you ever grow the business, put on, you know, interns or apprentices, that's what they call it, like apprentices or anything like that, you may\n\nChannel 1: Yes.\n\nChannel 0: have, like, a, you know, more of a succession plan in place. But for now, with the size of it and what you're currently doing, probably not needed.\n\nChannel 1: Okay.\n\nChannel 0: So that's pretty much with the document. The last, I guess, the probably the pages that are not most they're not most important, but just the ones that I haven't really covered off yet would be from page 44 down. It's just a because you're connected to my director. I'm not gonna charge you anything upfront for the setup\n\nChannel 1: Cool.\n\nChannel 0: of any of the supervisor. ClearView and or ClearView twice instead of ClearView and MetLife, but you understand the reference.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Mhmm.\n\nChannel 1: That's okay.\n\nChannel 0: The insurer the insurer pays us a a setup fee. 6066% of the initial paid by them to us. They're not paid by you. They pay\n\nChannel 1: Oh.\n\nChannel 0: us. So, Adam, because when yes. It's because we're setting up the the the account, so they don't have to do anything administratively.\n\nChannel 1: Right.\n\nChannel 0: We go through the application with you. They don't have to do anything administratively. They also pay us an ongoing because if anything happens and you go to claim, we help you through the claim. There's obviously still something they have to do. They still have to go through the claim and finalize it, but we\n\nChannel 1: Yeah.\n\nChannel 0: are basically that middleman. We help you out with everything. So they\n\nChannel 1: Okay.\n\nChannel 0: pay us the commissions for it.\n\nChannel 1: Yeah.\n\nChannel 0: Adam, your super fund, I can't connect to it. I could be a third party authority holder, so it means that I can act I can inquire on the account, but I'm not able to act on your behalf. So I will do everything that I that I've said in this document that I'm gonna do. So I'm gonna, you know, change the investments and all that kind of stuff. But, you know, I can't just go and do anything on my own free will because I can.\n\nYou always have to sign up on stuff. Alicia, we would manage your investment to our investment committee, everything like that. So your account\n\nChannel 1: Yes.\n\nChannel 0: would pay us an ongoing fee. It's set to 1.65% of your balance. That's estimated, like, $770 for the first year.\n\nChannel 1: Okay. Cool.\n\nChannel 0: Cool. I think the pages aside from that just really detail, like, your you authorizing me and my team to proceed with the advice. And then my favorite page is page 48. It just steps through the actual stages and everything. So it gives you\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: context to this astronomically large document and just\n\nChannel 1: Yeah.\n\nChannel 0: takes you through this is actually what we're gonna do, and these are the steps we're gonna do them in so it makes sense. So\n\nChannel 1: Yeah.\n\nChannel 0: if,\n\nChannel 1: Yeah.\n\nChannel 0: you know,\n\nChannel 1: No. That's\n\nChannel 0: when my team\n\nChannel 1: definitely\n\nChannel 0: calls and says,\n\nChannel 1: helpful.\n\nChannel 0: hey. We're doing this.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. We're\n\nChannel 1: Yep.\n\nChannel 0: like, we're up to step three. So you could\n\nChannel 1: Cool.\n\nChannel 0: cancel a lot. Some of the steps do kind of occur concurrently, but for the most part, we do try and step it out as much as possible.\n\nChannel 1: Yeah. No. No.\n\nChannel 0: Now\n\nChannel 1: That\n\nChannel 0: how\n\nChannel 1: that tool\n\nChannel 0: is that\n\nChannel 1: is definitely\n\nChannel 0: all sounding?\n\nChannel 1: helpful. Yeah. It's good. It all makes sense. I'm definitely happy to switch over my super, do the insurances.\n\nThat all sounds quite straightforward. Sounds like you're doing all the hard work for me, which is amazing. Yeah. And then, yeah, I'm happy to, I don't know, like, we're just gonna keep, I guess, saving and building building up our finances again, getting a bit more stable. We're getting there.\n\nWe're just not fully where we wanna be yet. I think we wanna try and aim at getting a investment property this year, but probably, if we're being realistic, it'll be the end of the year because, you know, we're only sitting\n\nChannel 0: Yep.\n\nChannel 1: at $8 so far. It's not really enough. But, yeah, that's kind of where we're looking at. We know we probably can't afford to buy a house on the Gold Coast, so we'd look at just getting an investment somewhere else. And, yeah, we've kind of parked that other idea of subdividing because it's not really something that's financially viable at the minute.\n\nChannel 0: Yeah. Alright.\n\nChannel 1: Yeah.\n\nChannel 0: Totally fair.\n\nChannel 1: Yes.\n\nChannel 0: And as we stabilize and with the investment property, equity comes the growth opportunity is there for\n\nChannel 1: Yes.\n\nChannel 0: you to be able to borrow against an investment property and purchase your own property on the Gold Coast or otherwise. So it is still there. It's just right now, maybe we explore other avenues to build that wealth.\n\nChannel 1: Yes. Yeah. No. I'm happy to do that.\n\nChannel 0: Perfect. Alright. So if that's the case, what I will do, and as much as I love talking to you guys, I have been at work for, like, fourteen hours. So if you're okay for me to package up the documents, and I'll send them to you tomorrow via, like, it's called OdooSign, but it'll come through sort of in a very similar format. Don't be surprised if it does go to your junk folder,\n\nChannel 1: Yes.\n\nChannel 0: but I'll\n\nChannel 1: Okay.\n\nChannel 0: send you a separate email saying, hey. I've sent the documents. Keep your eye out.\n\nChannel 1: Yeah. No. That's why\n\nChannel 0: I\n\nChannel 1: I'm not\n\nChannel 0: do\n\nChannel 1: so\n\nChannel 0: need\n\nChannel 1: far.\n\nChannel 0: to I do need to post a few of them, which we'll do during sort of like that like, after you sign the implementation process. And that'll just be, like, the investment swaps, the Adam's account, the beneficiary nomination forms, the all the new funds and everything will happen. Now second to that is both of your insurance applications will need to go through. We can book it in now, or I can just give you the time, and my team will reach out to you after you've signed all the documents, and they'll schedule in a time. You don't have to do the insurance\n\nChannel 1: Okay.\n\nChannel 0: applications together. Honestly, they're painful, and you probably don't wanna do them together. So it's just dependent on time available for you guys.\n\nChannel 1: Yeah. Yeah. No. I'm happy to push that later and and do it separately. Then we'll just try and find suitable times.\n\nChannel 0: Perfect. But I think majority of them happen when people are driving home from work, just to be honest. Great time to just talk about yourself. So\n\nChannel 1: Yes.\n\nChannel 0: but, yeah,\n\nChannel 1: No.\n\nChannel 0: I'll get my team to reach out, and they can schedule that one in. And it'll be Jack. Jack is my insurance guy, so he will, 95% of the time, be the one giving you the call to run through it all. Okay?\n\nChannel 1: Okay. Cool. That sounds like a good plan.\n\nChannel 0: Perfect. Well, I'll I'll package up the documents and send them to you tomorrow. It'll be the exact pay document you're seeing here just plus the application\n\nChannel 1: Yeah.\n\nChannel 0: forms and stuff like that. I just have to merge them all into one and send them. And the new sign process is only brand new. We've implemented, like, two weeks ago. I'm still wrapping my head around how to use it.\n\nSo\n\nChannel 1: Okay. No. That's okay.\n\nChannel 0: so I will get them to you, yeah, tomorrow morning, and we'll go from\n\nChannel 1: Yeah.\n\nChannel 0: there. If there are any alterations or comments you wanna make, there is a nice big section that'll have basically a text box available from, like, the second to last page that you can type in. If there's nothing that you need to comment on, so no alterations, you don't decline any of the advice, anything like that, you just leave it blank. And it\n\nChannel 1: Okay.\n\nChannel 0: means that I will and my team will implement everything that I've detailed in the document.\n\nChannel 1: Okay. Cool. Thank you. Thank you for this advice and your time today. I know it's a late call, so apologies for that.\n\nChannel 0: No.\n\nChannel 1: I was just\n\nChannel 0: Honestly, I\n\nChannel 1: trying\n\nChannel 0: was probably\n\nChannel 1: to\n\nChannel 0: gonna\n\nChannel 1: get off\n\nChannel 0: be here\n\nChannel 1: guard.\n\nChannel 0: anyway. No. No. Honestly, this is like, I'm going home at seven. This is a pretty early night for me, so it's not too bad.\n\nChannel 1: Oh, gosh. Yes.\n\nChannel 0: No. So it's absolutely fine. So you guys go and you enjoy your night, and I'll get the documents through to you tomorrow. And my team will reach out to you probably next week to start getting everything rolling.\n\nChannel 1: Alright. Thank you so much for your time, and we really appreciate the advice. I'll keep an eye out for for your email and and those documents.\n\nChannel 0: Perfect. Thanks, guys. Have a good one.\n\nChannel 1: Thank you. See you later. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.56,"end":1.06,"sentiment":"neutral","sentiment_score":0.00516685051843524},{"text":"Oh, we can hear you.","start":5.12,"end":6.5,"sentiment":"neutral","sentiment_score":0.0015039310790598392},{"text":"Can you hear us?","start":9.36,"end":10.5,"sentiment":"neutral","sentiment_score":-0.0052251952001824975},{"text":"Oh, no.","start":13.599999,"end":16.855,"sentiment":"neutral","sentiment_score":-0.2909471094608307},{"text":"We can't they don't have much to use.","start":16.855,"end":19.035,"sentiment":"negative","sentiment_score":-0.39042045548558235}],"sentiment":"neutral","sentiment_score":-0.18567360688466578,"channel":1,"num_words":20,"start":0.56,"end":19.035},{"sentences":[{"text":"Oh, wait.","start":23.015,"end":23.494999,"sentiment":"neutral","sentiment_score":-0.13612305372953415},{"text":"We can 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alright.","start":48.835,"end":49.655,"sentiment":"neutral","sentiment_score":0.12198979780077934},{"text":"If you can hear us okay, we're happy to go.","start":50.195,"end":52.934998,"sentiment":"positive","sentiment_score":0.3756024330854416},{"text":"You're just a little bit breaking in and out, but it's not too bad.","start":52.995,"end":56.08,"sentiment":"neutral","sentiment_score":0.06490590849093028}],"sentiment":"neutral","sentiment_score":0.18879564020496148,"channel":1,"num_words":26,"start":48.835,"end":56.08},{"sentences":[{"text":"I sent you both an email.","start":61.52,"end":63.059998,"sentiment":"neutral","sentiment_score":0.21196469416220984},{"text":"It I'm hoping it's come through to you.","start":63.92,"end":66.32,"sentiment":"neutral","sentiment_score":0.22190465219318867},{"text":"It will at least be coming through to you soon and amongst all of the technical issues we've been 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always","start":1140.465,"end":1140.865,"sentiment":"neutral","sentiment_score":0.11801585182547568}],"sentiment":"positive","sentiment_score":0.3378454127038519,"channel":0,"num_words":24,"start":1131.38,"end":1140.865},{"sentences":[{"text":"Mhmm.","start":1140.78,"end":1141.28,"sentiment":"neutral","sentiment_score":0.06081525236368179}],"sentiment":"neutral","sentiment_score":0.06081525236368179,"channel":1,"num_words":1,"start":1140.78,"end":1141.28},{"sentences":[{"text":"gonna need defensive assets, but we don't wanna have too much sitting defensive because currently, you've got all percent sitting defensively.","start":1140.865,"end":1149.525,"sentiment":"neutral","sentiment_score":0.08870647794434003},{"text":"Majority of it's sitting sort of in your alternative defensive asset.","start":1150.11,"end":1154.37,"sentiment":"neutral","sentiment_score":0.20399915833364834},{"text":"You've got some defensive property as 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a point where we can do more with it, we will.","start":1193.7949,"end":1199.815,"sentiment":"neutral","sentiment_score":0.16723077788072474},{"text":"So when","start":1200.195,"end":1200.995,"sentiment":"neutral","sentiment_score":0.09673608466982841}],"sentiment":"neutral","sentiment_score":0.19505741994599907,"channel":0,"num_words":49,"start":1183.56,"end":1200.995},{"sentences":[{"text":"Okay.","start":1200.61,"end":1201.11,"sentiment":"neutral","sentiment_score":0.13565127551555634}],"sentiment":"neutral","sentiment_score":0.13565127551555634,"channel":1,"num_words":1,"start":1200.61,"end":1201.11},{"sentences":[{"text":"the balance increases to a point where we can actually start investing in a more ergonomic way, 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open up your ability to invest more strategically.","start":2129.025,"end":2134.645,"sentiment":"neutral","sentiment_score":0.28341977794965106}],"sentiment":"neutral","sentiment_score":0.28341977794965106,"channel":0,"num_words":15,"start":2129.025,"end":2134.645},{"sentences":[{"text":"Okay.","start":2135.26,"end":2135.76,"sentiment":"neutral","sentiment_score":0.21507859230041504}],"sentiment":"neutral","sentiment_score":0.21507859230041504,"channel":1,"num_words":1,"start":2135.26,"end":2135.76},{"sentences":[{"text":"So we migrate your funds from Brida over to Hub twenty four.","start":2135.7449,"end":2139.925,"sentiment":"neutral","sentiment_score":0.20968954265117645},{"text":"They're a more open investment platform, and it just gives you thousands of different investment options available.","start":2139.9849,"end":2145.8298,"sentiment":"neutral","sentiment_score":0.272083605037016},{"text":"And, eventually, that's what I sort of wanna do with Adams as 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that.","start":2349.945,"end":2351.2449,"sentiment":"neutral","sentiment_score":0.10766921490430832}],"sentiment":"neutral","sentiment_score":0.09271541610360146,"channel":1,"num_words":6,"start":2349.785,"end":2351.2449},{"sentences":[{"text":"Now in line with the superannuation side.","start":2351.195,"end":2360.575,"sentiment":"neutral","sentiment_score":0.23840924884591783},{"text":"So nice and easy.","start":2360.715,"end":2362.155,"sentiment":"positive","sentiment_score":0.6096683889627457},{"text":"We make a move.","start":2362.155,"end":2362.7952,"sentiment":"neutral","sentiment_score":0.23384831473231316},{"text":"We do the investor change.","start":2362.7952,"end":2364.2551,"sentiment":"neutral","sentiment_score":0.15247403979301452},{"text":"We'll get you the form that you need to start contributing.","start":2364.75,"end":2367.17,"sentiment":"neutral","sentiment_score":0.1401155502958731}],"sentiment":"neutral","sentiment_score":0.23698621964262379,"channel":0,"num_words":31,"start":2351.195,"end":2367.17},{"sentences":[{"text":"The form that you provide your employer so they can start contributing.","start":2368.35,"end":2371.57,"sentiment":"neutral","sentiment_score":0.11788685681919257}],"sentiment":"neutral","sentiment_score":0.11788685681919257,"channel":0,"num_words":12,"start":2368.35,"end":2371.57},{"sentences":[{"text":"Yes.","start":2372.7551,"end":2373.2551,"sentiment":"neutral","sentiment_score":0.04755774885416031}],"sentiment":"neutral","sentiment_score":0.04755774885416031,"channel":1,"num_words":1,"start":2372.7551,"end":2373.2551},{"sentences":[{"text":"Now when","start":2378.385,"end":2379.345,"sentiment":"neutral","sentiment_score":0.023484256118535995}],"sentiment":"neutral","sentiment_score":0.023484256118535995,"channel":0,"num_words":2,"start":2378.385,"end":2379.345},{"sentences":[{"text":"Okay.","start":2379.235,"end":2379.735,"sentiment":"neutral","sentiment_score":0.02380046248435974}],"sentiment":"neutral","sentiment_score":0.02380046248435974,"channel":1,"num_words":1,"start":2379.235,"end":2379.735},{"sentences":[{"text":"we spoke, we wanted to look at insurance that was to the the level of about a million dollars.","start":2379.345,"end":2384.085,"sentiment":"neutral","sentiment_score":-0.0007278784913452048}],"sentiment":"neutral","sentiment_score":-0.0007278784913452048,"channel":0,"num_words":19,"start":2379.345,"end":2384.085},{"sentences":[{"text":"Yeah.","start":2384.55,"end":2385.05,"sentiment":"neutral","sentiment_score":-0.005394391715526581}],"sentiment":"neutral","sentiment_score":-0.005394391715526581,"channel":1,"num_words":1,"start":2384.55,"end":2385.05},{"sentences":[{"text":"We can decrease this if we're uncomfortable at this level, but we looked at a million dollars.","start":2385.2651,"end":2388.945,"sentiment":"neutral","sentiment_score":-0.04988233405439293},{"text":"We talked about a million dollars, and what that was aiming to do was basically buy a house outright.","start":2388.945,"end":2393.16,"sentiment":"neutral","sentiment_score":0.047671401579129066},{"text":"So if anything happened to either of you, the other would be left the house.","start":2393.4,"end":2396.76,"sentiment":"neutral","sentiment_score":-0.01750932956735293},{"text":"If you were never able to work again, we have a fully paid for home,","start":2396.76,"end":2400.46,"sentiment":"neutral","sentiment_score":0.03430715662737687}],"sentiment":"neutral","sentiment_score":0.004692793287562601,"channel":0,"num_words":66,"start":2385.2651,"end":2400.46},{"sentences":[{"text":"Yes.","start":2400.935,"end":2401.435,"sentiment":"neutral","sentiment_score":0.08031685650348663}],"sentiment":"neutral","sentiment_score":0.08031685650348663,"channel":1,"num_words":1,"start":2400.935,"end":2401.435},{"sentences":[{"text":"and the other person would be able to just work to pay for the living expenses.","start":2401.5598,"end":2406.0598,"sentiment":"neutral","sentiment_score":0.056468033231794834}],"sentiment":"neutral","sentiment_score":0.056468033231794834,"channel":0,"num_words":16,"start":2401.5598,"end":2406.0598},{"sentences":[{"text":"Yes.","start":2406.855,"end":2407.355,"sentiment":"neutral","sentiment_score":0.020620008930563927}],"sentiment":"neutral","sentiment_score":0.020620008930563927,"channel":1,"num_words":1,"start":2406.855,"end":2407.355},{"sentences":[{"text":"So what I looked at was a million dollars worth of life and total amount of disability.","start":2408.7551,"end":2413.175,"sentiment":"neutral","sentiment_score":-0.0036894335028003246}],"sentiment":"neutral","sentiment_score":-0.0036894335028003246,"channel":0,"num_words":17,"start":2408.7551,"end":2413.175},{"sentences":[{"text":"Mhmm.","start":2414.31,"end":2414.81,"sentiment":"neutral","sentiment_score":0.0068099359050393105}],"sentiment":"neutral","sentiment_score":0.0068099359050393105,"channel":1,"num_words":1,"start":2414.31,"end":2414.81},{"sentences":[{"text":"Now for adam,net life as the insurer was suitable, and that's occupation based.","start":2414.7551,"end":2420.68,"sentiment":"neutral","sentiment_score":0.027355782544383637},{"text":"Because he's a rigor.","start":2421.94,"end":2423.0798,"sentiment":"neutral","sentiment_score":0.04728157352656126},{"text":"You want a provider that, a, deals with that occupation, and, b, treats that occupation fairly in the market.","start":2423.46,"end":2431.3198,"sentiment":"neutral","sentiment_score":0.059580431368790175}],"sentiment":"neutral","sentiment_score":0.04657721286639571,"channel":0,"num_words":36,"start":2414.7551,"end":2431.3198},{"sentences":[{"text":"Okay.","start":2431.0452,"end":2431.5452,"sentiment":"neutral","sentiment_score":0.002075493335723877}],"sentiment":"neutral","sentiment_score":0.002075493335723877,"channel":1,"num_words":1,"start":2431.0452,"end":2431.5452},{"sentences":[{"text":"Not not every insurer goes after every occupation demographic.","start":2431.38,"end":2437.885,"sentiment":"neutral","sentiment_score":-0.05519417714741495},{"text":"Some insurers are better for professionals or doctors.","start":2438.745,"end":2442.205,"sentiment":"neutral","sentiment_score":-0.05221070582047105},{"text":"Others are better for heavy manual.","start":2442.3452,"end":2445.725,"sentiment":"neutral","sentiment_score":-0.04868866503238678},{"text":"I have specific insurers that are better for, you know, mining.","start":2446.185,"end":2450.26,"sentiment":"neutral","sentiment_score":-0.012388056144118309}],"sentiment":"neutral","sentiment_score":-0.03949511319618015,"channel":0,"num_words":34,"start":2431.38,"end":2450.26},{"sentences":[{"text":"Right.","start":2449.8198,"end":2450.3198,"sentiment":"neutral","sentiment_score":0.020868973806500435},{"text":"Yes.","start":2451.74,"end":2452.24,"sentiment":"neutral","sentiment_score":0.07964378595352173}],"sentiment":"neutral","sentiment_score":0.05025637988001108,"channel":1,"num_words":2,"start":2449.8198,"end":2452.24},{"sentences":[{"text":"MetLife loves farmers, love miners.","start":2451.84,"end":2455.3801,"sentiment":"neutral","sentiment_score":0.20156870931386947},{"text":"They love our heavy blues.","start":2455.76,"end":2457.1401,"sentiment":"neutral","sentiment_score":0.2760301649570465},{"text":"So MetLife came out the best for occupation rating cost features when it comes to your post occupation, Adam.","start":2458.6401,"end":2468.635,"sentiment":"neutral","sentiment_score":0.19563691082753634},{"text":"So if we write a million dollars worth of life and total in home facility, we're looking at $987.62 per year.","start":2468.9348,"end":2476.25,"sentiment":"neutral","sentiment_score":0.1196197218128613},{"text":"Your super fund can pay for it.","start":2476.95,"end":2478.71,"sentiment":"neutral","sentiment_score":0.14881900591509684}],"sentiment":"neutral","sentiment_score":0.16945338379918484,"channel":0,"num_words":57,"start":2451.84,"end":2478.71},{"sentences":[{"text":"So your super fund currently pays for the premiums.","start":2478.71,"end":2480.6301,"sentiment":"neutral","sentiment_score":0.07973590741554896},{"text":"Your super fund can continue to pay for the premiums.","start":2480.6301,"end":2482.73,"sentiment":"neutral","sentiment_score":0.262204709649086},{"text":"So","start":2483.03,"end":2483.27,"sentiment":"neutral","sentiment_score":0.2080761343240738}],"sentiment":"neutral","sentiment_score":0.17738731987774373,"channel":0,"num_words":20,"start":2478.71,"end":2483.27},{"sentences":[{"text":"Okay.","start":2483.1648,"end":2483.6648,"sentiment":"neutral","sentiment_score":0.3075743317604065}],"sentiment":"neutral","sentiment_score":0.3075743317604065,"channel":1,"num_words":1,"start":2483.1648,"end":2483.6648},{"sentences":[{"text":"it's not going to erode anything there.","start":2483.27,"end":2486.73,"sentiment":"neutral","sentiment_score":0.1989225936787469}],"sentiment":"neutral","sentiment_score":0.1989225936787469,"channel":0,"num_words":7,"start":2483.27,"end":2486.73},{"sentences":[{"text":"Yep.","start":2487.565,"end":2488.065,"sentiment":"positive","sentiment_score":0.4188140332698822}],"sentiment":"positive","sentiment_score":0.4188140332698822,"channel":1,"num_words":1,"start":2487.565,"end":2488.065},{"sentences":[{"text":"The benefits of that are that because your super fund pays for it, it's 15% cheaper.","start":2487.7349,"end":2492.875,"sentiment":"positive","sentiment_score":0.6469279807060957},{"text":"So if you were to pay for it, it becomes $1,100 or 1,162.","start":2492.9348,"end":2497.835,"sentiment":"positive","sentiment_score":0.4791050690871019}],"sentiment":"positive","sentiment_score":0.5716970203251674,"channel":0,"num_words":29,"start":2487.7349,"end":2497.835},{"sentences":[{"text":"Yes.","start":2498.47,"end":2498.97,"sentiment":"neutral","sentiment_score":0.31319746375083923}],"sentiment":"neutral","sentiment_score":0.31319746375083923,"channel":1,"num_words":1,"start":2498.47,"end":2498.97},{"sentences":[{"text":"Because your super fund is paying for it, you get a deduction because the super fund claims.","start":2498.535,"end":2503.05,"sentiment":"positive","sentiment_score":0.3620924651622772},{"text":"The downside are that under a claim, it's basically a two claim process for either life or TPD.","start":2507.37,"end":2514.75,"sentiment":"neutral","sentiment_score":-0.23921968125634724},{"text":"So what happens is you would go to MetLife.","start":2514.8901,"end":2516.83,"sentiment":"neutral","sentiment_score":-0.04146232828497887},{"text":"MetLife insurance approved the claim, and then they send the claim to the superannuation claims team.","start":2517.21,"end":2524.885,"sentiment":"neutral","sentiment_score":-0.048163449158892035}],"sentiment":"neutral","sentiment_score":0.01176402506728967,"channel":0,"num_words":60,"start":2498.535,"end":2524.885},{"sentences":[{"text":"Yes.","start":2524.47,"end":2524.97,"sentiment":"neutral","sentiment_score":0.03507835417985916}],"sentiment":"neutral","sentiment_score":0.03507835417985916,"channel":1,"num_words":1,"start":2524.47,"end":2524.97},{"sentences":[{"text":"It's all","start":2525.025,"end":2525.585,"sentiment":"neutral","sentiment_score":0.05315707251429558}],"sentiment":"neutral","sentiment_score":0.05315707251429558,"channel":0,"num_words":2,"start":2525.025,"end":2525.585},{"sentences":[{"text":"Wow.","start":2525.43,"end":2525.93,"sentiment":"neutral","sentiment_score":0.08671338856220245}],"sentiment":"neutral","sentiment_score":0.08671338856220245,"channel":1,"num_words":1,"start":2525.43,"end":2525.93},{"sentences":[{"text":"done internally, and, realistically, you as the customer don't see anything to do with it, and all you would see is one extra form that you have to fill out.","start":2525.585,"end":2534.18,"sentiment":"neutral","sentiment_score":-0.001218025603642066},{"text":"You, if I had, didn't tell you, wouldn't really notice anything about the claims process.","start":2535.1199,"end":2539.14,"sentiment":"neutral","sentiment_score":-0.14788662344217302},{"text":"With life insurance, when it's owned by the Superfund, you are limited on who you can nominate as a beneficiary.","start":2540.72,"end":2547.78,"sentiment":"neutral","sentiment_score":-0.06516249279375189},{"text":"So a little bit of a downside.","start":2548.0798,"end":2549.835,"sentiment":"neutral","sentiment_score":-0.1942365595272609},{"text":"You're limited to basically a spouse, a child, or a financial dependent.","start":2550.2952,"end":2553.7551,"sentiment":"neutral","sentiment_score":-0.19987606008847555}],"sentiment":"neutral","sentiment_score":-0.08709831682582651,"channel":0,"num_words":84,"start":2525.585,"end":2553.7551},{"sentences":[{"text":"Now I assumed, and based on our conversations, that we're gonna nominate each other anyway.","start":2553.975,"end":2559.115,"sentiment":"neutral","sentiment_score":-0.013716371854146321}],"sentiment":"neutral","sentiment_score":-0.013716371854146321,"channel":0,"num_words":15,"start":2553.975,"end":2559.115},{"sentences":[{"text":"Yes.","start":2559.82,"end":2560.32,"sentiment":"neutral","sentiment_score":0.04958419129252434}],"sentiment":"neutral","sentiment_score":0.04958419129252434,"channel":1,"num_words":1,"start":2559.82,"end":2560.32},{"sentences":[{"text":"So not gonna be an issue with regards to nominations because you guys are each other's","start":2560.2952,"end":2564.315,"sentiment":"neutral","sentiment_score":0.07132947817444801}],"sentiment":"neutral","sentiment_score":0.07132947817444801,"channel":0,"num_words":16,"start":2560.2952,"end":2564.315},{"sentences":[{"text":"Yes.","start":2565.095,"end":2565.595,"sentiment":"neutral","sentiment_score":0.01283874735236168}],"sentiment":"neutral","sentiment_score":0.01283874735236168,"channel":1,"num_words":1,"start":2565.095,"end":2565.595},{"sentences":[{"text":"thousand.","start":2566.6602,"end":2566.9001,"sentiment":"neutral","sentiment_score":-0.008552243933081627},{"text":"With CPD, that's probably the biggest downside that we have when it comes to paying for the insurance within the super fund rather than paying for it personally.","start":2566.9001,"end":2575.48,"sentiment":"neutral","sentiment_score":-0.1896894909441471},{"text":"If you pay for total impairment disability insurance personally, it's paid to you tax free.","start":2575.7002,"end":2580.055,"sentiment":"neutral","sentiment_score":-0.20561739007631938},{"text":"It's paid directly to you.","start":2580.4348,"end":2581.555,"sentiment":"neutral","sentiment_score":-0.11809024661779403},{"text":"It goes into your bank account.","start":2581.555,"end":2582.755,"sentiment":"neutral","sentiment_score":-0.1254428712030252}],"sentiment":"neutral","sentiment_score":-0.1772223145785657,"channel":0,"num_words":55,"start":2566.6602,"end":2582.755},{"sentences":[{"text":"It's done.","start":2582.755,"end":2583.1548,"sentiment":"neutral","sentiment_score":-0.11603739112615585},{"text":"It's deducted.","start":2583.1548,"end":2583.635,"sentiment":"neutral","sentiment_score":-0.08398194052278996},{"text":"You walk away with a million dollars.","start":2583.635,"end":2585.335,"sentiment":"neutral","sentiment_score":-0.07914333790540695},{"text":"When it's paid for by the super funds, what happens is Mercer actually sets up a brand new super fund for you.","start":2586.9148,"end":2593.1748,"sentiment":"neutral","sentiment_score":0.004996065897020427},{"text":"It because I'm sorry.","start":2594.47,"end":2595.53,"sentiment":"neutral","sentiment_score":-0.014177480712532997}],"sentiment":"neutral","sentiment_score":-0.02434698653382224,"channel":0,"num_words":37,"start":2582.755,"end":2595.53},{"sentences":[{"text":"MetLife.","start":2595.83,"end":2596.33,"sentiment":"neutral","sentiment_score":-0.0860467478632927},{"text":"MetLife set up a brand new super fund for you.","start":2596.55,"end":2599.61,"sentiment":"neutral","sentiment_score":0.04095896258950234},{"text":"It's basically like a MetLife insurance holding account.","start":2600.1501,"end":2602.73,"sentiment":"neutral","sentiment_score":0.027452058158814907},{"text":"You were then able to do one of two things with that money.","start":2604.47,"end":2607.115,"sentiment":"neutral","sentiment_score":0.07715895170202622},{"text":"The money was paid from the insurer to the super fund.","start":2607.115,"end":2610.2551,"sentiment":"neutral","sentiment_score":-0.030216002667492085}],"sentiment":"neutral","sentiment_score":0.028229062467120414,"channel":0,"num_words":43,"start":2595.83,"end":2610.2551},{"sentences":[{"text":"And then if you wanna get that paid to your bank account, you pay up to 22% tax because you are not over 60.","start":2610.875,"end":2618.5752,"sentiment":"neutral","sentiment_score":0.03319133150701722},{"text":"Yep.","start":2618.875,"end":2619.24,"sentiment":"neutral","sentiment_score":0.2603834271430969},{"text":"Or you can roll that into a super fund.","start":2620.52,"end":2623.34,"sentiment":"neutral","sentiment_score":0.31779462430212235},{"text":"You can invest that.","start":2624.1199,"end":2625.88,"sentiment":"neutral","sentiment_score":0.33172816038131714},{"text":"It can hold there.","start":2625.88,"end":2626.84,"sentiment":"neutral","sentiment_score":0.3254392668604851}],"sentiment":"neutral","sentiment_score":0.15585230264280522,"channel":0,"num_words":42,"start":2610.875,"end":2626.84},{"sentences":[{"text":"You can set up a pension account so you can have a weekly, monthly, fortnightly income stream.","start":2626.84,"end":2631.9,"sentiment":"positive","sentiment_score":0.344192319056567},{"text":"And there are a heap of tax reduction reducing.","start":2632.28,"end":2636.5151,"sentiment":"neutral","sentiment_score":0.11364600227938758},{"text":"I had a client.","start":2638.975,"end":2639.875,"sentiment":"neutral","sentiment_score":0.03421966265887022},{"text":"She was 42.","start":2641.455,"end":2642.7551,"sentiment":"neutral","sentiment_score":0.0037304628640413284},{"text":"Williams held it disabled.","start":2643.695,"end":2644.675,"sentiment":"neutral","sentiment_score":-0.055391475558280945}],"sentiment":"neutral","sentiment_score":0.1837996643640705,"channel":0,"num_words":37,"start":2626.84,"end":2644.675},{"sentences":[{"text":"I pulled over a million dollars out of her super fund, and she paid not a cent in tax.","start":2644.735,"end":2649.0752,"sentiment":"neutral","sentiment_score":-0.10979392281488369},{"text":"So there are ways that you can minimize to the point of completely mitigating the tax obligation, but it's not always the case.","start":2649.5,"end":2658.0798,"sentiment":"neutral","sentiment_score":0.00888865959385167},{"text":"Generally, the best I see is around the 5% tax mark,","start":2658.54,"end":2661.915,"sentiment":"neutral","sentiment_score":0.12686728436330502}],"sentiment":"neutral","sentiment_score":-0.00917179688354427,"channel":0,"num_words":53,"start":2644.735,"end":2661.915},{"sentences":[{"text":"Yep.","start":2662.5498,"end":2663.0498,"sentiment":"neutral","sentiment_score":0.27718573808670044}],"sentiment":"neutral","sentiment_score":0.27718573808670044,"channel":1,"num_words":1,"start":2662.5498,"end":2663.0498},{"sentences":[{"text":"but I'm forever gonna love my 43 year old because $5,000,000 no tax.","start":2663.195,"end":2669.055,"sentiment":"positive","sentiment_score":0.5072480394290044},{"text":"So there there are there are definitely ways that we we can minimize the tax, but that's a you and me conversation if we ever have to make a claim on that.","start":2672.155,"end":2682.1301,"sentiment":"neutral","sentiment_score":0.282494455575943},{"text":"I just wanna make you aware that if you just go off and put a claim in and get them to pay you, you are paying it's not gonna be 22% straight up, but it it's pretty close to 22%.","start":2682.43,"end":2693.325,"sentiment":"neutral","sentiment_score":0.06350568821653724},{"text":"I always say","start":2693.325,"end":2693.965,"sentiment":"neutral","sentiment_score":0.11900563289721806}],"sentiment":"neutral","sentiment_score":0.2105828581631861,"channel":0,"num_words":88,"start":2663.195,"end":2693.965},{"sentences":[{"text":"Yep.","start":2693.8252,"end":2694.3252,"sentiment":"neutral","sentiment_score":0.15011633932590485}],"sentiment":"neutral","sentiment_score":0.15011633932590485,"channel":1,"num_words":1,"start":2693.8252,"end":2694.3252},{"sentences":[{"text":"up to 22%.","start":2693.965,"end":2695.185,"sentiment":"neutral","sentiment_score":0.17610105375448862},{"text":"There's always some concessions that you get straight off the bat that are calculated at the time that you go to claim.","start":2695.325,"end":2701.0051,"sentiment":"neutral","sentiment_score":0.021183623593639244},{"text":"So it's not something","start":2701.0051,"end":2701.8052,"sentiment":"neutral","sentiment_score":-0.05430890712887049}],"sentiment":"neutral","sentiment_score":0.02679680178648439,"channel":0,"num_words":29,"start":2693.965,"end":2701.8052},{"sentences":[{"text":"Yep.","start":2701.5051,"end":2702.0051,"sentiment":"neutral","sentiment_score":-0.06676584482192993}],"sentiment":"neutral","sentiment_score":-0.06676584482192993,"channel":1,"num_words":1,"start":2701.5051,"end":2702.0051},{"sentences":[{"text":"I can estimate and and give you a figure for now.","start":2701.8052,"end":2704.5251,"sentiment":"neutral","sentiment_score":0.005410510707985271},{"text":"It's just that time of claim.","start":2704.5251,"end":2705.7,"sentiment":"neutral","sentiment_score":-0.0033831248680750528},{"text":"That's what it ends up being.","start":2705.7,"end":2707.0,"sentiment":"neutral","sentiment_score":0.006540149450302123}],"sentiment":"neutral","sentiment_score":0.0034112071861391482,"channel":0,"num_words":23,"start":2701.8052,"end":2707.0},{"sentences":[{"text":"Okay.","start":2707.985,"end":2708.485,"sentiment":"neutral","sentiment_score":0.0021574795246124268}],"sentiment":"neutral","sentiment_score":0.0021574795246124268,"channel":1,"num_words":1,"start":2707.985,"end":2708.485},{"sentences":[{"text":"So yeah.","start":2708.9,"end":2709.46,"sentiment":"neutral","sentiment_score":-0.028554411605000496},{"text":"So the downside majorly when it comes to TPD, but it's being paid inside super is that.","start":2709.46,"end":2714.76,"sentiment":"neutral","sentiment_score":-0.18263919344719717},{"text":"What we do is we, you know, we cancel the insurance with Mercer.","start":2716.18,"end":2719.46,"sentiment":"neutral","sentiment_score":-0.1579345418856694},{"text":"So we'd submit a cancellation request with Mercer to cancel the current insurance inside it so you're not paying for double insurance premiums when the new insurance went in in force.","start":2719.46,"end":2729.565,"sentiment":"neutral","sentiment_score":-0.09494639776887433},{"text":"And, again, Mercer would just pay the premiums every year for MetLife.","start":2729.565,"end":2733.12,"sentiment":"neutral","sentiment_score":0.060794380183021225}],"sentiment":"neutral","sentiment_score":-0.09905239899953207,"channel":0,"num_words":75,"start":2708.9,"end":2733.12},{"sentences":[{"text":"Okay.","start":2734.365,"end":2734.8,"sentiment":"neutral","sentiment_score":0.022807354107499123}],"sentiment":"neutral","sentiment_score":0.022807354107499123,"channel":1,"num_words":1,"start":2734.365,"end":2734.8},{"sentences":[{"text":"On the flip side for Alicia,","start":2736.4001,"end":2738.1,"sentiment":"neutral","sentiment_score":0.014391218312084675}],"sentiment":"neutral","sentiment_score":0.014391218312084675,"channel":0,"num_words":6,"start":2736.4001,"end":2738.1},{"sentences":[{"text":"Mhmm.","start":2738.8,"end":2739.3,"sentiment":"neutral","sentiment_score":0.030439486727118492}],"sentiment":"neutral","sentiment_score":0.030439486727118492,"channel":1,"num_words":1,"start":2738.8,"end":2739.3},{"sentences":[{"text":"same same informationally, insurer is 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one a couple of things that we didn't I didn't include, one was income protection,","start":2937.02,"end":2942.165,"sentiment":"neutral","sentiment_score":-0.024264852749183774}],"sentiment":"neutral","sentiment_score":-0.024264852749183774,"channel":0,"num_words":16,"start":2937.02,"end":2942.165},{"sentences":[{"text":"Yeah.","start":2942.7551,"end":2943.2551,"sentiment":"neutral","sentiment_score":-0.07471644878387451}],"sentiment":"neutral","sentiment_score":-0.07471644878387451,"channel":1,"num_words":1,"start":2942.7551,"end":2943.2551},{"sentences":[{"text":"and the other was 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working.","start":2974.7651,"end":2985.89,"sentiment":"neutral","sentiment_score":0.050673516360776764}],"sentiment":"neutral","sentiment_score":0.050673516360776764,"channel":0,"num_words":35,"start":2974.7651,"end":2985.89},{"sentences":[{"text":"Yeah.","start":2986.75,"end":2987.25,"sentiment":"neutral","sentiment_score":-0.018651610240340233}],"sentiment":"neutral","sentiment_score":-0.018651610240340233,"channel":1,"num_words":1,"start":2986.75,"end":2987.25},{"sentences":[{"text":"So I didn't wanna basically give you that impact.","start":2987.0698,"end":2990.69,"sentiment":"neutral","sentiment_score":-0.12408995214435789},{"text":"I didn't wanna impact your your super funds right now, and we do undertake that as, like, a future 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once that ATO debt's cleared up, we have a little bit more of a backing, is we structure the income protection to be paid for personally by the business because that's a tax write off.","start":3013.34,"end":3024.635,"sentiment":"positive","sentiment_score":0.35290659268697105}],"sentiment":"positive","sentiment_score":0.33795120503674164,"channel":0,"num_words":47,"start":3011.74,"end":3024.635},{"sentences":[{"text":"Maybe.","start":3025.975,"end":3026.475,"sentiment":"neutral","sentiment_score":0.2442358434200287}],"sentiment":"neutral","sentiment_score":0.2442358434200287,"channel":1,"num_words":1,"start":3025.975,"end":3026.475},{"sentences":[{"text":"So we can structure it that way with that income protection policy.","start":3026.855,"end":3030.475,"sentiment":"neutral","sentiment_score":0.3289576930304368},{"text":"But, again, just wanna kind of try and clean up those those personal finances a little bit first.","start":3030.615,"end":3035.61,"sentiment":"neutral","sentiment_score":0.12033530821402867}],"sentiment":"neutral","sentiment_score":0.20378426214059195,"channel":0,"num_words":30,"start":3026.855,"end":3035.61},{"sentences":[{"text":"Yes.","start":3037.53,"end":3038.03,"sentiment":"neutral","sentiment_score":0.16514357924461365}],"sentiment":"neutral","sentiment_score":0.16514357924461365,"channel":1,"num_words":1,"start":3037.53,"end":3038.03},{"sentences":[{"text":"So, yeah, that is basically the crux of the advice.","start":3038.1501,"end":3041.9302,"sentiment":"neutral","sentiment_score":0.11143565773963929},{"text":"The last few pages go through or the last few few strategies, I should say, go through estate planning.","start":3042.07,"end":3047.395,"sentiment":"neutral","sentiment_score":0.15087772984253733},{"text":"So just because we're setting up new accounts, because we're setting up new policies, you know, Adam, I know we're retaining your Mercer Fund, we just 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person.","start":3088.74,"end":3103.115,"sentiment":"neutral","sentiment_score":0.2072015667432233}],"sentiment":"neutral","sentiment_score":0.20105413645505904,"channel":0,"num_words":40,"start":3088.26,"end":3103.115},{"sentences":[{"text":"Yeah.","start":3103.0198,"end":3103.5198,"sentiment":"neutral","sentiment_score":0.2664680778980255}],"sentiment":"neutral","sentiment_score":0.2664680778980255,"channel":1,"num_words":1,"start":3103.0198,"end":3103.5198},{"sentences":[{"text":"There are a couple of avenues that we can take to get those documents in place that don't cost us a lot of money.","start":3103.335,"end":3108.235,"sentiment":"neutral","sentiment_score":0.22775567105660835},{"text":"So whilst, yes, going and sitting with a lawyer is obviously an avenue that we can take, the other side of things is that we can do it through online providers, or secondarily to that, we can also use the public trustee.","start":3108.295,"end":3125.23,"sentiment":"neutral","sentiment_score":0.19783530331083707},{"text":"The public trustee actually has, like, free provisions.","start":3125.29,"end":3131.155,"sentiment":"neutral","sentiment_score":0.21462675742805004},{"text":"You can book in and schedule times to sit with the public trustee and actually drop your will.","start":3131.375,"end":3136.335,"sentiment":"neutral","sentiment_score":0.2308744713664055},{"text":"They're always really inconvenient times, and they're always booked out for three months in advance.","start":3136.335,"end":3139.935,"sentiment":"neutral","sentiment_score":-0.3265789697567622}],"sentiment":"neutral","sentiment_score":0.1378438209540376,"channel":0,"num_words":107,"start":3103.335,"end":3139.935},{"sentences":[{"text":"But they are there and available, which is really cool.","start":3139.935,"end":3143.315,"sentiment":"positive","sentiment_score":0.41337049193680286},{"text":"There's there are companies like 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I do need to post a few of them, which we'll do during sort of like that like, after you sign the implementation process.","start":3551.71,"end":3563.115,"sentiment":"neutral","sentiment_score":0.04586982369422912},{"text":"And that'll just be, like, the investment swaps, the Adam's account, the beneficiary nomination forms, the all the new funds and everything will happen.","start":3563.655,"end":3573.61,"sentiment":"neutral","sentiment_score":0.10700875179221232},{"text":"Now second to that is both of your insurance applications will need to go through.","start":3574.1501,"end":3581.21,"sentiment":"neutral","sentiment_score":0.04082237680753072},{"text":"We can book it in now, or I can just give you the time, and my team will reach out to you after you've signed all the documents, and they'll schedule in a time.","start":3581.465,"end":3589.225,"sentiment":"neutral","sentiment_score":0.08928068036980488},{"text":"You don't have to do the insurance","start":3589.225,"end":3590.425,"sentiment":"neutral","sentiment_score":-0.0219875096809119}],"sentiment":"neutral","sentiment_score":0.06865639859322636,"channel":0,"num_words":105,"start":3551.71,"end":3590.425},{"sentences":[{"text":"Okay.","start":3590.3948,"end":3590.8948,"sentiment":"neutral","sentiment_score":-0.04723352566361427}],"sentiment":"neutral","sentiment_score":-0.04723352566361427,"channel":1,"num_words":1,"start":3590.3948,"end":3590.8948},{"sentences":[{"text":"applications together.","start":3590.425,"end":3591.405,"sentiment":"neutral","sentiment_score":-0.0796169862151146},{"text":"Honestly, they're painful, and you probably don't wanna do them together.","start":3591.865,"end":3594.845,"sentiment":"negative","sentiment_score":-0.34511327878995374},{"text":"So it's just dependent on time available for you guys.","start":3595.92,"end":3598.58,"sentiment":"neutral","sentiment_score":-0.17565330415964125}],"sentiment":"neutral","sentiment_score":-0.2483483948137449,"channel":0,"num_words":23,"start":3590.425,"end":3598.58},{"sentences":[{"text":"Yeah.","start":3599.6748,"end":3600.1548,"sentiment":"neutral","sentiment_score":-0.03579433262348175},{"text":"Yeah.","start":3600.1548,"end":3600.3948,"sentiment":"neutral","sentiment_score":-0.03481489047408104},{"text":"No.","start":3600.3948,"end":3600.7148,"sentiment":"neutral","sentiment_score":-0.09935925155878068},{"text":"I'm happy to push that later and and do it separately.","start":3600.7148,"end":3603.6948,"sentiment":"neutral","sentiment_score":-0.026269936764782124},{"text":"Then we'll just try and find suitable 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yourself.","start":3616.155,"end":3617.915,"sentiment":"positive","sentiment_score":0.4284854829311371},{"text":"So","start":3617.915,"end":3618.415,"sentiment":"neutral","sentiment_score":0.08887554705142975}],"sentiment":"neutral","sentiment_score":0.17282037616327958,"channel":0,"num_words":27,"start":3609.28,"end":3618.415},{"sentences":[{"text":"Yes.","start":3618.66,"end":3619.065,"sentiment":"neutral","sentiment_score":0.09039133787155151}],"sentiment":"neutral","sentiment_score":0.09039133787155151,"channel":1,"num_words":1,"start":3618.66,"end":3619.065},{"sentences":[{"text":"but, yeah,","start":3619.355,"end":3619.675,"sentiment":"neutral","sentiment_score":0.0348544716835022}],"sentiment":"neutral","sentiment_score":0.0348544716835022,"channel":0,"num_words":2,"start":3619.355,"end":3619.675},{"sentences":[{"text":"No.","start":3619.545,"end":3620.045,"sentiment":"neutral","sentiment_score":-0.002659577876329422}],"sentiment":"neutral","sentiment_score":-0.002659577876329422,"channel":1,"num_words":1,"start":3619.545,"end":3620.045},{"sentences":[{"text":"I'll get my team to reach out, and they can schedule that one in.","start":3619.675,"end":3622.41,"sentiment":"neutral","sentiment_score":0.065802706505305},{"text":"And it'll be Jack.","start":3622.73,"end":3624.67,"sentiment":"neutral","sentiment_score":0.07898218557238579},{"text":"Jack is my insurance guy, so he will, 95% of the time, be the one giving you the call to run through it all.","start":3625.0498,"end":3631.45,"sentiment":"neutral","sentiment_score":0.09776599674175183},{"text":"Okay?","start":3631.45,"end":3631.95,"sentiment":"neutral","sentiment_score":0.088893361389637}],"sentiment":"neutral","sentiment_score":0.08540567247803475,"channel":0,"num_words":43,"start":3619.675,"end":3631.95},{"sentences":[{"text":"Okay.","start":3632.025,"end":3632.525,"sentiment":"neutral","sentiment_score":0.17343051731586456},{"text":"Cool.","start":3632.665,"end":3632.9849,"sentiment":"positive","sentiment_score":0.4797952175140381},{"text":"That sounds like a good plan.","start":3632.9849,"end":3634.525,"sentiment":"positive","sentiment_score":0.6142350236574808}],"sentiment":"positive","sentiment_score":0.5423294845968485,"channel":1,"num_words":8,"start":3632.025,"end":3634.525},{"sentences":[{"text":"Perfect.","start":3636.2349,"end":3636.555,"sentiment":"positive","sentiment_score":0.43621712923049927},{"text":"Well, I'll I'll package up the documents and send them to you tomorrow.","start":3636.555,"end":3639.4548,"sentiment":"neutral","sentiment_score":0.18374220797648796},{"text":"It'll be the exact pay document you're seeing here just plus the application","start":3640.075,"end":3643.695,"sentiment":"neutral","sentiment_score":0.12072524313743298}],"sentiment":"neutral","sentiment_score":0.16275162939672116,"channel":0,"num_words":27,"start":3636.2349,"end":3643.695},{"sentences":[{"text":"Yeah.","start":3643.21,"end":3643.71,"sentiment":"neutral","sentiment_score":0.03912269324064255}],"sentiment":"neutral","sentiment_score":0.03912269324064255,"channel":1,"num_words":1,"start":3643.21,"end":3643.71},{"sentences":[{"text":"forms and stuff like that.","start":3643.755,"end":3645.135,"sentiment":"neutral","sentiment_score":0.05093654915690422},{"text":"I just have to merge them all into one and send them.","start":3645.355,"end":3649.135,"sentiment":"neutral","sentiment_score":0.0763817938665549},{"text":"And the new sign process is only brand new.","start":3650.13,"end":3653.49,"sentiment":"neutral","sentiment_score":0.02955334633588791},{"text":"We've implemented, like, two weeks ago.","start":3653.49,"end":3655.3499,"sentiment":"neutral","sentiment_score":0.08176590874791145},{"text":"I'm still wrapping my head around how to use it.","start":3655.97,"end":3658.13,"sentiment":"neutral","sentiment_score":0.08795534074306488}],"sentiment":"neutral","sentiment_score":0.06684269640772116,"channel":0,"num_words":42,"start":3643.755,"end":3658.13},{"sentences":[{"text":"So","start":3658.13,"end":3658.63,"sentiment":"neutral","sentiment_score":0.05072130635380745}],"sentiment":"neutral","sentiment_score":0.05072130635380745,"channel":0,"num_words":1,"start":3658.13,"end":3658.63},{"sentences":[{"text":"Okay.","start":3658.625,"end":3659.105,"sentiment":"neutral","sentiment_score":0.048832304775714874},{"text":"No.","start":3659.105,"end":3659.345,"sentiment":"neutral","sentiment_score":0.029932234436273575},{"text":"That's okay.","start":3659.345,"end":3660.085,"sentiment":"neutral","sentiment_score":0.08720029145479202}],"sentiment":"neutral","sentiment_score":0.06329128053039312,"channel":1,"num_words":4,"start":3658.625,"end":3660.085},{"sentences":[{"text":"so I will get them to you, yeah, tomorrow morning, and we'll go from","start":3661.905,"end":3666.145,"sentiment":"neutral","sentiment_score":0.11362015668834959}],"sentiment":"neutral","sentiment_score":0.11362015668834959,"channel":0,"num_words":14,"start":3661.905,"end":3666.145},{"sentences":[{"text":"Yeah.","start":3665.92,"end":3666.42,"sentiment":"neutral","sentiment_score":0.05808667838573456}],"sentiment":"neutral","sentiment_score":0.05808667838573456,"channel":1,"num_words":1,"start":3665.92,"end":3666.42},{"sentences":[{"text":"there.","start":3666.145,"end":3666.465,"sentiment":"neutral","sentiment_score":0.07446368038654327},{"text":"If there are any alterations or comments you wanna make, there is a nice big section that'll have basically a text box available from, like, the second to last page that you can type in.","start":3666.465,"end":3676.3,"sentiment":"neutral","sentiment_score":0.12787417471408843},{"text":"If there's nothing that you need to comment on, so no alterations, you don't decline any of the advice, anything like that, you just leave it blank.","start":3676.3,"end":3683.3599,"sentiment":"neutral","sentiment_score":0.03576441822008713},{"text":"And it","start":3683.98,"end":3684.3,"sentiment":"neutral","sentiment_score":0.09250057488679886}],"sentiment":"neutral","sentiment_score":0.08770308057070136,"channel":0,"num_words":65,"start":3666.145,"end":3684.3},{"sentences":[{"text":"Okay.","start":3684.235,"end":3684.735,"sentiment":"neutral","sentiment_score":0.08321718871593475}],"sentiment":"neutral","sentiment_score":0.08321718871593475,"channel":1,"num_words":1,"start":3684.235,"end":3684.735},{"sentences":[{"text":"means that I will and my team will implement everything that I've detailed in the document.","start":3684.3,"end":3688.4,"sentiment":"neutral","sentiment_score":0.19876536540687084}],"sentiment":"neutral","sentiment_score":0.19876536540687084,"channel":0,"num_words":16,"start":3684.3,"end":3688.4},{"sentences":[{"text":"Okay.","start":3689.55,"end":3689.79,"sentiment":"neutral","sentiment_score":0.2887994349002838},{"text":"Cool.","start":3689.79,"end":3690.27,"sentiment":"positive","sentiment_score":0.5619113445281982},{"text":"Thank you.","start":3690.27,"end":3690.9102,"sentiment":"positive","sentiment_score":0.6837964057922363},{"text":"Thank you for this advice and your time today.","start":3690.9102,"end":3694.11,"sentiment":"positive","sentiment_score":0.7267564005321927},{"text":"I know it's a late call, so apologies for that.","start":3694.11,"end":3697.33,"sentiment":"neutral","sentiment_score":-0.12840224876999856}],"sentiment":"neutral","sentiment_score":0.32500385687403055,"channel":1,"num_words":23,"start":3689.55,"end":3697.33},{"sentences":[{"text":"No.","start":3697.875,"end":3698.375,"sentiment":"neutral","sentiment_score":-0.17598594725131989}],"sentiment":"neutral","sentiment_score":-0.17598594725131989,"channel":0,"num_words":1,"start":3697.875,"end":3698.375},{"sentences":[{"text":"I was just","start":3698.35,"end":3699.07,"sentiment":"neutral","sentiment_score":-0.18768874804178873}],"sentiment":"neutral","sentiment_score":-0.18768874804178873,"channel":1,"num_words":3,"start":3698.35,"end":3699.07},{"sentences":[{"text":"Honestly, I","start":3698.595,"end":3699.075,"sentiment":"neutral","sentiment_score":-0.20239867269992828}],"sentiment":"neutral","sentiment_score":-0.20239867269992828,"channel":0,"num_words":2,"start":3698.595,"end":3699.075},{"sentences":[{"text":"trying","start":3699.07,"end":3699.47,"sentiment":"neutral","sentiment_score":-0.23897069692611697}],"sentiment":"neutral","sentiment_score":-0.23897069692611697,"channel":1,"num_words":1,"start":3699.07,"end":3699.47},{"sentences":[{"text":"was probably","start":3699.075,"end":3699.475,"sentiment":"neutral","sentiment_score":-0.21740581840276718}],"sentiment":"neutral","sentiment_score":-0.21740581840276718,"channel":0,"num_words":2,"start":3699.075,"end":3699.475},{"sentences":[{"text":"to","start":3699.47,"end":3699.55,"sentiment":"neutral","sentiment_score":-0.20124760270118713}],"sentiment":"neutral","sentiment_score":-0.20124760270118713,"channel":1,"num_words":1,"start":3699.47,"end":3699.55},{"sentences":[{"text":"gonna","start":3699.475,"end":3699.715,"sentiment":"neutral","sentiment_score":-0.2113017588853836}],"sentiment":"neutral","sentiment_score":-0.2113017588853836,"channel":0,"num_words":1,"start":3699.475,"end":3699.715},{"sentences":[{"text":"get off","start":3699.55,"end":3699.95,"sentiment":"neutral","sentiment_score":-0.1852993220090866}],"sentiment":"neutral","sentiment_score":-0.1852993220090866,"channel":1,"num_words":2,"start":3699.55,"end":3699.95},{"sentences":[{"text":"be here","start":3699.715,"end":3700.0352,"sentiment":"neutral","sentiment_score":-0.1816316843032837}],"sentiment":"neutral","sentiment_score":-0.1816316843032837,"channel":0,"num_words":2,"start":3699.715,"end":3700.0352},{"sentences":[{"text":"guard.","start":3699.95,"end":3700.45,"sentiment":"neutral","sentiment_score":-0.15891852974891665}],"sentiment":"neutral","sentiment_score":-0.15891852974891665,"channel":1,"num_words":1,"start":3699.95,"end":3700.45},{"sentences":[{"text":"anyway.","start":3700.0352,"end":3700.5352,"sentiment":"neutral","sentiment_score":-0.056448861956596375},{"text":"No.","start":3702.355,"end":3702.675,"sentiment":"neutral","sentiment_score":-0.14842267334461212},{"text":"No.","start":3702.675,"end":3703.155,"sentiment":"neutral","sentiment_score":-0.14266595244407654},{"text":"Honestly, this is like, I'm going home at seven.","start":3703.155,"end":3705.8398,"sentiment":"neutral","sentiment_score":-0.12431751605537203},{"text":"This is a pretty early night for me, so it's not too bad.","start":3705.8398,"end":3708.8198,"sentiment":"neutral","sentiment_score":0.018307491563833676}],"sentiment":"neutral","sentiment_score":-0.04913590967655182,"channel":0,"num_words":25,"start":3700.0352,"end":3708.8198},{"sentences":[{"text":"Oh, gosh.","start":3708.445,"end":3709.105,"sentiment":"neutral","sentiment_score":0.18034227937459946},{"text":"Yes.","start":3711.645,"end":3712.145,"sentiment":"neutral","sentiment_score":0.12279552221298218}],"sentiment":"neutral","sentiment_score":0.1611600269873937,"channel":1,"num_words":3,"start":3708.445,"end":3712.145},{"sentences":[{"text":"No.","start":3711.92,"end":3712.24,"sentiment":"neutral","sentiment_score":0.028831638395786285},{"text":"So it's absolutely fine.","start":3712.24,"end":3713.3599,"sentiment":"positive","sentiment_score":0.36214668303728104},{"text":"So you guys go and you enjoy your night, and I'll get the documents through to you tomorrow.","start":3713.3599,"end":3718.6848,"sentiment":"positive","sentiment_score":0.6547997958130307},{"text":"And my team will reach out to you probably next week to start getting everything rolling.","start":3718.825,"end":3723.4048,"sentiment":"positive","sentiment_score":0.5213234145194292}],"sentiment":"positive","sentiment_score":0.5539740853202648,"channel":0,"num_words":39,"start":3711.92,"end":3723.4048},{"sentences":[{"text":"Alright.","start":3724.02,"end":3724.4202,"sentiment":"positive","sentiment_score":0.5497075319290161},{"text":"Thank you so much for your time, and we really appreciate the advice.","start":3724.4202,"end":3727.7202,"sentiment":"positive","sentiment_score":0.854295212488908},{"text":"I'll keep an eye out for for your email and and those 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later.","start":3736.225,"end":3736.865,"sentiment":"positive","sentiment_score":0.5752617319424947},{"text":"Bye.","start":3736.865,"end":3737.365,"sentiment":"neutral","sentiment_score":0.29080894589424133}],"sentiment":"positive","sentiment_score":0.5773343195517858,"channel":1,"num_words":6,"start":3735.665,"end":3737.365},{"sentences":[{"text":"Bye.","start":3738.65,"end":3739.15,"sentiment":"neutral","sentiment_score":-0.09846312552690506}],"sentiment":"neutral","sentiment_score":-0.09846312552690506,"channel":0,"num_words":1,"start":3738.65,"end":3739.15}]},"summary":{"result":"success","short":"The speakers discuss the benefits of using a personal loan to increase credit scores and build credit footprints, including reducing risk and increasing income. They also discuss the process of modifying an investment portfolio and the importance of staying flexible in investments. The speakers emphasize the need for stability in finances and the importance of managing taxes and insurance premiums. They also emphasize the importance of providing income protection and updating estate planning for beneficiaries. The speakers emphasize the need for a tax bill to stabilize finances and offer advice on managing income and retirement savings."},"intents":{"segments":[{"text":"So the document that I sent you and I wanted to send it to you this way so that way you guys could visually see it a lot easier than curating kind of signing platform or anything like that while we talk through everything.","start_word":294,"end_word":337,"intents":[{"intent":"Send document","confidence_score":0.0988502}]},{"text":"wanna go ahead, I'll obviously issue the document to you through, like, electronic signing methodology or methods so that way you're able to sort of authorize the document document. Yeah.","start_word":345,"end_word":374,"intents":[{"intent":"Authorize document","confidence_score":0.53855145}]},{"text":"So when we obviously originally met, we wanted to look a lot at property, which through talking with the brokers and stuff like that, not currently on the radar, but something we're definitely gonna be able to work towards through saving to be able to achieve that. Yeah.","start_word":401,"end_word":448,"intents":[{"intent":"Discuss property","confidence_score":0.15676905}]},{"text":"Now you guys also had a credit card at the time with about two and a half owing on it. I know that you paid that off, Yep. Yep. which is fantastic. Mhmm. Have we canceled it, or are we just we're keeping it for, I like, haven't canceled it yet. I can.","start_word":449,"end_word":501,"intents":[{"intent":"Cancel canceled account","confidence_score":0.0004558042}]},{"text":"Right now is the best time for you guys to really spend time building up a credit report, and one of the Yes.","start_word":549,"end_word":571,"intents":[{"intent":"Build credit report","confidence_score":0.103633136}]},{"text":"best ways to do that is to use your credit card in a really effective way. So Yes.","start_word":572,"end_word":589,"intents":[{"intent":"Use credit card","confidence_score":0.06210704}]},{"text":"was a couple of different methodologies that I did look at with purchasing the home. And one of them was using your superannuation fund as a savings account. Okay.","start_word":1251,"end_word":1279,"intents":[{"intent":"Discuss strategies for reducing debts","confidence_score":6.4568195e-7}]},{"text":"They're Yes. taking the risk because ultimately, if the market tanks it, they make 2%. They still have to guarantee you you five. Yes.","start_word":1908,"end_word":1931,"intents":[{"intent":"Explain safety of investments","confidence_score":0.000043001866}]},{"text":"So the term deposit, you know, you put x amount of money in. You can't attach Yes.","start_word":1960,"end_word":1976,"intents":[{"intent":"Clarify information on deposit investment","confidence_score":3.764706e-9}]},{"text":"But I just and, like, I have recommended it to clients before. I just didn't feel at the moment until you guys are really stabilized with, you know, purchasing the car and sort of being in your jobs for, you know, an extended period of time, that it was probably the safest initial move. And with Yeah.","start_word":2087,"end_word":2143,"intents":[{"intent":"Recommend investing and investments","confidence_score":0.0000015551517},{"intent":"Recommend ing account","confidence_score":0.004949666}]},{"text":"But I just and, like, I have recommended it to clients before. I just didn't feel at the moment until you guys are really stabilized with, you know, purchasing the car and sort of being in your jobs for, you know, an extended period of time, that it was probably the safest initial move. And with Yeah. some of the recommendations I've already put in the document, I didn't wanna scare Yeah. Yeah.","start_word":2087,"end_word":2159,"intents":[{"intent":"Evaluate ing's recommendation","confidence_score":0.00007050559}]},{"text":"The first few pages are basically the information that you provided when you're talking. So the scope of the advice was basically considered around super insurance. You know, we did obviously talk about the debt management, the house purchase, car purchase, stuff like that.","start_word":2186,"end_word":2229,"intents":[{"intent":"Inform about super insurance","confidence_score":0.0044913883}]},{"text":"Whilst I would love to and did look at alternative funds, the balance that you have does not really allow for any massive diversity of investing.","start_word":2598,"end_word":2623,"intents":[{"intent":"Review alternative funds","confidence_score":0.00062886585}]},{"text":"Currently, the investment that you have in place is a little bit more conservative than what I would want you to be in, and what I wanna do is I wanna increase that risk.","start_word":2673,"end_word":2706,"intents":[{"intent":"Reduce risk","confidence_score":0.26510814}]},{"text":"I wanna remove you out of that because what happens is as we get older, they slowly start decreasing the risk, which is it's cool.","start_word":2753,"end_word":2777,"intents":[{"intent":"Remove from portfolio","confidence_score":0.018539222}]},{"text":"So what I wanna do is basically take the money because you're probably a 100% within that one fund and split you out over three different holdings.","start_word":2872,"end_word":2898,"intents":[{"intent":"Divide money","confidence_score":0.024408914}]},{"text":"Put you 50% in there, and then the other 50% split evenly between Australian international shares just to push you back into that threshold. So Yep.","start_word":2925,"end_word":2950,"intents":[{"intent":"Provide information","confidence_score":0.0027746835}]},{"text":"but I wanna sort of push more of it into that that growth. Yep.","start_word":3015,"end_word":3028,"intents":[{"intent":"Push growth","confidence_score":0.22453018}]},{"text":"To save you needing to navigate that, there's a form I can send you. Unfortunately, it does have to be wet signed, so pen to paper signed, but I can send it to you by post.","start_word":3057,"end_word":3092,"intents":[{"intent":"Send form","confidence_score":0.004772093}]},{"text":"To save you needing to navigate that, there's a form I can send you. Unfortunately, it does have to be wet signed, so pen to paper signed, but I can send it to you by post. We can sign Yeah. it, and we can submit it to us off.","start_word":3057,"end_word":3105,"intents":[{"intent":"Submit form","confidence_score":0.45367837}]},{"text":"Even though I broke the document, in line with that, what we do need to do is we do need to start contributing to the fund. So currently, legislation stipulates 12%. I would like you to get to the point where you are making 12% contributions. Yep.","start_word":3224,"end_word":3270,"intents":[{"intent":"Offer contribution","confidence_score":0.00068423914}]},{"text":"I have recommended 12 because Yep.","start_word":3299,"end_word":3304,"intents":[{"intent":"Recommend deposit","confidence_score":0.0000050801636}]},{"text":"So it's gonna support the insurance premiums that I'm recommending that we start taking on. Okay.","start_word":3343,"end_word":3358,"intents":[{"intent":"Support insurance premiums","confidence_score":0.19327751}]},{"text":"I can make that happen. I I haven't contributed to it at all racing lane. But, yeah, if we once I get on track, I think that that's can be achievable. What we do or how we structure it is basically under the business.","start_word":3413,"end_word":3456,"intents":[{"intent":"Make achievable goals","confidence_score":0.00037680898}]},{"text":"What we do or how we structure it is basically under the business.","start_word":3444,"end_word":3456,"intents":[{"intent":"Structure and fund superannuation","confidence_score":0.012529731}]},{"text":"It's an easy round figure for you to be able to calculate Yep. and and pop into that that account.","start_word":3676,"end_word":3695,"intents":[{"intent":"Calculate yep. fund","confidence_score":0.05497008}]},{"text":"I will give you the details to be able to pay into pay into, like, a super Yep. fund.","start_word":3702,"end_word":3720,"intents":[{"intent":"Pay into super yep. fund","confidence_score":0.102448575}]},{"text":"And, like, it doesn't follow-up, and and I'm not sure if I should start doing, like, my bath myself. Like, is that a good idea or no? I just feel like he because he charges It me, comes like, down six to 100 to do my bath, and I feel like that's really expensive Yeah. after So I've it's reconsolidate me. been a long time.","start_word":3885,"end_word":3949,"intents":[{"intent":"Consolidate bath routine","confidence_score":0.0045374325}]},{"text":"to do your bath? Do you have the effort to want like, to even want to do it? And do you have the knowledge to be able to do it? Like Probably me, got I one of can them. mow my lawn.","start_word":3970,"end_word":4011,"intents":[{"intent":"Get the time to mow lawn","confidence_score":0.0016547318}]},{"text":"mow my lawn.","start_word":4009,"end_word":4011,"intents":[{"intent":"Find lawn mower","confidence_score":0.0038483744}]},{"text":"Generally, with any business related aspect is do you have the time to do it?","start_word":4056,"end_word":4070,"intents":[{"intent":"Discuss business topics","confidence_score":0.009663429}]},{"text":"But yeah. Contributions? Sorry. So off track.","start_word":4376,"end_word":4382,"intents":[{"intent":"Address contributions","confidence_score":0.048928205}]},{"text":"it's 20 gonna 6 come down significantly. Yep.","start_word":4732,"end_word":4739,"intents":[{"intent":"Reduce expenses and expenses","confidence_score":0.004452551}]},{"text":"A tax bill is not a deduction. Tax bills are you didn't pay us. You now owe us, Yeah.","start_word":5065,"end_word":5083,"intents":[{"intent":"Deduct tax bills","confidence_score":0.02165258}]},{"text":"I would love to I would love to write my tax off on tax. No.","start_word":5145,"end_word":5159,"intents":[{"intent":"Apply to reduce tax bill debt","confidence_score":0.0009946164},{"intent":"Waive or wipe off interest","confidence_score":0.13560626},{"intent":"Apply to reduce tax bill","confidence_score":0.007829884}]},{"text":"Your account will have to apply to the ATO.","start_word":5272,"end_word":5280,"intents":[{"intent":"Apply to ato","confidence_score":0.19564997},{"intent":"Apply to toto","confidence_score":0.0002085387},{"intent":"Apply to ato","confidence_score":0.093406424}]},{"text":"You need to have the money to do it. Because while you have the ATO debt, it does incur interest. Yep.","start_word":5333,"end_word":5353,"intents":[{"intent":"Have money","confidence_score":0.020309346}]},{"text":"What I'm actually recommending is we do open up your ability to invest more strategically. Okay.","start_word":5599,"end_word":5614,"intents":[{"intent":"Facilitate investments","confidence_score":0.0021494424}]},{"text":"But what I wanna do is that we actually like, you actually worked with BlackRock, who are one of the biggest investment managers in the country. Well, actually, they're actually the one. But that's it. And we built what's called a separately managed account. So it's called an SMA.","start_word":5759,"end_word":5807,"intents":[{"intent":"Educate about sma","confidence_score":0.019746644}]},{"text":"But the cool thing is that you can actually click on that invest investment option, and it actually breaks down every single one of the entities that you do hold down to the fact that you can see that you have, say, CBA shares and stuff like that. So Okay.","start_word":6127,"end_word":6176,"intents":[{"intent":"Explain investment options","confidence_score":0.0070028366}]},{"text":"Your super fund can continue to pay for the premiums. So Okay.","start_word":6511,"end_word":6522,"intents":[{"intent":"Show how super fund is financed","confidence_score":4.9586323e-8}]},{"text":"The benefits of that are that because your super fund pays for it, it's 15% cheaper. So if you were to pay for it, it becomes $1,100 or 1,162. Yes.","start_word":6530,"end_word":6559,"intents":[{"intent":"Explain super fund benefits","confidence_score":0.0074286507}]},{"text":"Because your super fund is paying for it, you get a deduction because the super fund claims.","start_word":6560,"end_word":6576,"intents":[{"intent":"Provide claim deduction","confidence_score":0.0043454557}]},{"text":"The downside are that under a claim, it's basically a two claim process for either life or TPD. So what happens is you would go to MetLife. MetLife insurance approved the claim, and then they send the claim to the superannuation claims team. Yes.","start_word":6577,"end_word":6620,"intents":[{"intent":"Explain claims process","confidence_score":0.11442173}]},{"text":"With life insurance, when it's owned by the Superfund, you are limited on who you can nominate as a beneficiary. So a little bit of a downside. You're limited to basically a spouse, a child, or a financial dependent. Now I assumed, and based on our conversations, that we're gonna nominate each other anyway. Yes.","start_word":6669,"end_word":6723,"intents":[{"intent":"Explain super fund limitations","confidence_score":0.06796796},{"intent":"Discuss super fund's limitations","confidence_score":0.0021762266}]},{"text":"And then if you wanna get that paid to your bank account, you pay up to 22% tax because you are not over 60. Yep. Or you can roll that into a super fund. You can invest that. It can hold there. You can set up a pension account so you can have a weekly, monthly, fortnightly income stream. And there are a heap of tax reduction reducing.","start_word":6877,"end_word":6944,"intents":[{"intent":"Reduce tax","confidence_score":0.08972809}]},{"text":"So there are ways that you can minimize to the point of completely mitigating the tax obligation, but it's not always the case. Generally, the best I see is around the 5% tax mark, Yep. but I'm forever gonna love my 43 year old because $5,000,000 no tax.","start_word":6974,"end_word":7021,"intents":[{"intent":"Summarize benefits","confidence_score":0.017500395}]},{"text":"premiums are $406.90.","start_word":7314,"end_word":7316,"intents":[{"intent":"Disclose health insurance coverage","confidence_score":0.031380713}]},{"text":"if we're uncomfortable with that insurance amount, I did look at 500,000 as well, but 500,000 is not really gonna get us to the what we want to purchase a full house and so on. Yeah.","start_word":7632,"end_word":7667,"intents":[{"intent":"Assess insurance coverage","confidence_score":0.012842821}]},{"text":"And what I would love to do is and, again, once that ATO debt's cleared up, we have a little bit more of a backing, is we structure the income protection to be paid for personally by the business because that's a tax write off. Maybe.","start_word":7972,"end_word":8017,"intents":[{"intent":"Structure income protection","confidence_score":0.18781357}]},{"text":"So just because we're setting up new accounts, because we're setting up new policies, you know, Adam, I know we're retaining your Mercer Fund, we just update and make sure that the beneficiary nominations that are on file with each of the funds are accurate and nominate each other. And the reason Yes.","start_word":8077,"end_word":8129,"intents":[{"intent":"Set up new accounts","confidence_score":0.3820726},{"intent":"Update and nominate beneficiaries","confidence_score":0.0017373023}]},{"text":"Second to that is because we are intending on building a life together, what we wanna Yes.","start_word":8146,"end_word":8162,"intents":[{"intent":"Build a life","confidence_score":0.0053321375}]},{"text":"putting in place a will and a power of attorney because we're Okay. not married.","start_word":8181,"end_word":8195,"intents":[{"intent":"Create a will and power of attorney","confidence_score":0.014167127}]},{"text":"The public trustee actually has, like, free provisions. You can book in and schedule times to sit with the public trustee and actually drop your will.","start_word":8301,"end_word":8326,"intents":[{"intent":"Provide free provisions","confidence_score":0.17323056},{"intent":"Book appointment with public trustee","confidence_score":0.0009387122}]},{"text":"It's pretty inexpensive. Me and my husband look. I have a total of and both of our power of attorney documents, it cost a thousand bucks. So it wasn't hugely expensive Yes.","start_word":8389,"end_word":8420,"intents":[{"intent":"Explain process and cost of document","confidence_score":0.000004888729}]},{"text":"Now for Adam's business, if you wanna go to the point of, like, the business and and and all that kind of stuff, you can make it more complex. But with the structure that you currently have in place, it's probably not something you need to consider.","start_word":8495,"end_word":8541,"intents":[{"intent":"Discuss structure and structure of business","confidence_score":0.0073217265}]},{"text":"The last, I guess, the probably the pages that are not most they're not most important, but just the ones that I haven't really covered off yet would be from page 44 down.","start_word":8605,"end_word":8637,"intents":[{"intent":"Clarify website's reference","confidence_score":8.8012015e-8}]},{"text":"The insurer the insurer pays us a a setup fee. 6066% of the initial paid by them to us. They're not paid by you. They pay Oh. us.","start_word":8683,"end_word":8710,"intents":[{"intent":"Discuss insurance payment","confidence_score":0.0056138523}]},{"text":"It's because we're setting up the the the account, so they don't have to do anything administratively. Right.","start_word":8717,"end_word":8734,"intents":[{"intent":"Set up account","confidence_score":0.41789567}]},{"text":"We go through the application with you. They don't have to do anything administratively. They also pay us an ongoing because if anything happens and you go to claim, we help you through the claim.","start_word":8734,"end_word":8768,"intents":[{"intent":"Help with application","confidence_score":0.16382082}]},{"text":"pay us the commissions for it. Yeah.","start_word":8804,"end_word":8810,"intents":[{"intent":"Pay commissions","confidence_score":0.7867868}]},{"text":"So I will do everything that I that I've said in this document that I'm gonna do. So I'm gonna, you know, change the investments and all that kind of stuff. But, you know, I can't just go and do anything on my own free will because I can.","start_word":8850,"end_word":8898,"intents":[{"intent":"Take action","confidence_score":0.00017590608}]},{"text":"Alicia, we would manage your investment to our investment committee, everything like that. So your account Yes.","start_word":8907,"end_word":8923,"intents":[{"intent":"Manage investment","confidence_score":0.53706527}]},{"text":"I think the pages aside from that just really detail, like, your you authorizing me and my team to proceed with the advice. And then my favorite page is page 48. It just steps through the actual stages and everything. So it gives you Yeah.","start_word":8948,"end_word":8992,"intents":[{"intent":"Authorize team","confidence_score":0.76848155}]},{"text":"cancel a lot. Some of the steps do kind of occur concurrently, but for the most part, we do try and step it out as much as possible. Yeah.","start_word":9061,"end_word":9089,"intents":[{"intent":"Cancel steps","confidence_score":0.59087896}]},{"text":"I think we wanna try and aim at getting a investment property this year, but probably, if we're being realistic, it'll be the end of the year because, you know, we're only sitting Yep.","start_word":9182,"end_word":9215,"intents":[{"intent":"Express desire for investment property","confidence_score":0.024179291}]},{"text":"And as we stabilize and with the investment property, equity comes the growth opportunity is there for Yes. you to be able to borrow against an investment property and purchase your own property on the Gold Coast or otherwise. So it is still there. It's just right now, maybe we explore other avenues to build that wealth. Yes. Yeah.","start_word":9285,"end_word":9343,"intents":[{"intent":"Discuss potential options","confidence_score":0.017487114}]},{"text":"you to be able to borrow against an investment property and purchase your own property on the Gold Coast or otherwise. So it is still there. It's just right now, maybe we explore other avenues to build that wealth. Yes. Yeah.","start_word":9303,"end_word":9343,"intents":[{"intent":"Suggest alternative investments","confidence_score":0.000100666126},{"intent":"Express willingness to borrow","confidence_score":0.016345302}]},{"text":"send you a separate email saying, hey. I've sent the documents.","start_word":9429,"end_word":9439,"intents":[{"intent":"Plan to send documents","confidence_score":0.023449333},{"intent":"Expect separate email","confidence_score":0.00021667314}]},{"text":"Well, I'll I'll package up the documents and send them to you tomorrow. It'll be the exact pay document you're seeing here just plus the application Yeah.","start_word":9689,"end_word":9715,"intents":[{"intent":"Coordinate documents","confidence_score":0.0013729732}]}]},"sentiments":{"segments":[{"text":"Hello? Oh, we can hear you. Can you hear us? Oh, no.","start_word":0,"end_word":11,"sentiment":"neutral","sentiment_score":-0.0650591179728508},{"text":"We can't they don't have much to use.","start_word":12,"end_word":19,"sentiment":"negative","sentiment_score":-0.4013248682022095},{"text":"Oh, wait. We can now. It's cutting in and out. Okay. What Is is going this the on? Wi Fi or something? I don't know. It's cool. I think this is better.","start_word":20,"end_word":51,"sentiment":"neutral","sentiment_score":-0.026026010513305664},{"text":"This is definitely better than the Teams.","start_word":52,"end_word":58,"sentiment":"positive","sentiment_score":0.346189022064209},{"text":"Yeah. Okay. That's alright. We can hear you better now. I'm not sure what's going on. Mhmm. It's not me the Wi May Fi. either. That's alright.","start_word":59,"end_word":85,"sentiment":"neutral","sentiment_score":0.030182398855686188},{"text":"If you can hear us okay, we're happy to go.","start_word":86,"end_word":95,"sentiment":"positive","sentiment_score":0.40204164385795593},{"text":"You're just a little bit breaking in and out, but it's not too bad. I sent you both an email. It I'm hoping it's come through to you. It will at least be coming through to you soon and amongst all of the technical issues we've been having. Yeah. It's literally called statement of advice, so it's pretty pretty, you know, I'll be on that one. I have the email that says invitation statement of advice presentation. No. No. This is literally just an email that I sent, like, the stuff, like, I don't know. Yeah. I don't think I I have sent a post of you. it. No. I don't have it either from you. The last email I got from you was the February 16, Yep. but I don't have any emails with any attachments or anything. We're off to a Oh, it's just coming in. It's just coming in. I take it back. hey. Little like never. That's good. Oh, yeah. Mine just come too. Yeah. It's just literally coming in the last minute. Okay. Well, Okay. the connection Cool. also seems to have improved, so maybe things are just coming up now. Yep.","start_word":96,"end_word":292,"sentiment":"neutral","sentiment_score":0.02863253653049469},{"text":"Perfect.","start_word":293,"end_word":293,"sentiment":"positive","sentiment_score":0.4739202558994293},{"text":"So the document that I sent you and I wanted to send it to you this way so that way you guys could visually see it a lot easier than curating kind of signing platform or anything like that while we talk through everything. And then if you guys Yes. wanna go ahead, I'll obviously issue the document to you through, like, electronic signing methodology or methods so that way you're able to sort of authorize the document document. Yeah. But, basically, the statement of advice pertains to the full collated data that I've gone through and gathered with you, gathered research wise, and put together. Yeah. So when we obviously originally met, we wanted to look a lot at property, which through talking with the brokers and stuff like that, not currently on the radar, but something we're definitely gonna be able to work towards through saving to be able to achieve that. Yeah. Now you guys also had a credit card at the time with about two and a half owing on it. I know that you paid that off, Yep.","start_word":294,"end_word":476,"sentiment":"neutral","sentiment_score":0.12217270057709492},{"text":"Yep. which is fantastic.","start_word":477,"end_word":480,"sentiment":"positive","sentiment_score":0.5353982448577881},{"text":"Mhmm. Have we canceled it, or are we just we're keeping it for, I like, haven't canceled it yet. I can. I just it's, like, zeroed out. I've just to be honest, I just haven't gotten around to, like, physically canceling it. And, But it's definitely something realistically, I can do before we go into a loan you or you anything. don't yeah. Like, you don't have to. Right now is the best time for you guys to really spend time building up a credit report, and one of the Yes. best ways to do that is to use your credit card in a really effective way. So Yes. the way we're gonna do that is by, say, buying our groceries and then going home and transferring the money straight over to the credit card. A, it doesn't. But, Yeah. otherwise, Yeah. Yeah.","start_word":481,"end_word":623,"sentiment":"neutral","sentiment_score":0.03948165848851204},{"text":"it just really enables you to get that credit footprint, increase your credit rating up to over a thousand, and your profile looks a lot better for from a borrowing capacity point of view.","start_word":624,"end_word":657,"sentiment":"positive","sentiment_score":0.3364274203777313},{"text":"It just shows that you're less of a risk when we're purchasing our first home, when we're trying to, you know, make our big first purchases. The fact that you've gone and got a personal loan, we're meeting those monthly repayments, that's gonna add heaps to you. But generally Okay. speaking, and I'm gonna assume that it's the way it's being structured, is that the personal loan is probably in just Alicia's Yes. That's right. name. Yeah. So it means that Adam's not really getting much of a footprint. The business will definitely help, but the business is not Adam. They're two separate entities. So Adam does need to sort of, you know especially if the if the credit card's in Alicia's name again, it doesn't really do much for Adam. I'm not saying No. let's Okay. go get a credit card in Adam's name, but we could, you know, always cancel that credit card, have a joint credit card, lower the lower the limit. So that way we're not gonna make any Yeah. mistakes. And it just kind of gives us that capacity to be able to build a credit footprint in an effective way while still making sure that we're saving and aiming towards that massive savings out there.","start_word":658,"end_word":868,"sentiment":"neutral","sentiment_score":0.03584035273566313},{"text":"Okay. Cool. Yeah. That's definitely something I'm happy to do.","start_word":869,"end_word":878,"sentiment":"positive","sentiment_score":0.5509383082389832},{"text":"Because, yeah, the credit card in my name, it's an ANZ.","start_word":879,"end_word":889,"sentiment":"neutral","sentiment_score":0.3145567774772644},{"text":"It's linked to my Quanta points, so it is good for getting points.","start_word":890,"end_word":902,"sentiment":"positive","sentiment_score":0.3663513362407684},{"text":"But I'm happy to, I guess, look Yeah. at something Even to if build Adam's credit score up. you yeah. Even if you look at, like, just getting him on the same credit card. So going to A and M saying, hey. My credit card. 100%. Yeah. That's 100%. Like, that credit card that you currently have won't it won't be the same, like, account. They'll set up a new account in joint names, but that's fine. And Okay. you can still have it connected to Qantas, Break It Fly Month, and everything like that.","start_word":903,"end_word":997,"sentiment":"neutral","sentiment_score":0.11400394141674042},{"text":"It'll just help both of you mutually, especially if you wanna keep the credit card open.","start_word":998,"end_word":1013,"sentiment":"positive","sentiment_score":0.465265691280365},{"text":"And Yes. then, you know, depending on what what happens when we get to the point of being able to borrow, the credit card may have to be canceled at that point of view. But it's Yes. just about being smart with the credit card. So we're not spending more than we can afford, and we basically put our fuel and our groceries on it, and we pay it off before the end of the month. Pay it weekly Yes. with your cycle or full month with your cycle. Yes. No.","start_word":1014,"end_word":1104,"sentiment":"neutral","sentiment_score":0.14271788855830392},{"text":"We can definitely we can Yeah. definitely start doing that.","start_word":1105,"end_word":1114,"sentiment":"positive","sentiment_score":0.48975080251693726},{"text":"Because at the moment, it's just sitting there zero, and I'm just kind of paying everything on my normal CommBank account that I get paid into. Yeah. Same.","start_word":1115,"end_word":1142,"sentiment":"neutral","sentiment_score":0.1401854306459427},{"text":"But I we can definitely start swapping swapping some of those weekly expenses onto the credit card and then paying them instantly. Yeah. Perfect.","start_word":1143,"end_word":1166,"sentiment":"positive","sentiment_score":0.4715080261230469},{"text":"Look. That's outside of this advice, but it was just something I did wanna touch base on because there were a couple of some, like, bits and pieces that we were really, like, looking at that don't always form part of advice, but it's good to kind of just to go through. Yeah. One one of the other things, I guess, I'll touch on a little bit later, but I just with the fact that you guys wanna buy a home first, there Yeah. was a couple of different methodologies that I did look at with purchasing the home. And one of them was using your superannuation fund as a savings account. Okay. Yeah. At the moment, I did discount it purely Okay. and simply because you guys are only getting a like, just set up. Like, you, you know, haven't even been backing the country in twelve months. Yeah. Just allowing you guys to get re just solidify. Find your feet. Yes. Have Adam's business, you know, settle in. Have you settle in and with with with work? And then Yes. maybe look at it in a little bit. Mhmm. There are there were risks with regards to using the super funds to do that kind of strategy. So Yes. collectively, and through that, you are then able to pull that money out later along with earning. So along with the the growth of the so it basically becomes an investment account. The downside is is that it's an application to be able to apply to get the money out.","start_word":1167,"end_word":1427,"sentiment":"neutral","sentiment_score":0.04493945837020874},{"text":"The ATO can actually decline you. It has its limitations.","start_word":1428,"end_word":1437,"sentiment":"negative","sentiment_score":-0.3886107206344605},{"text":"There's not always guarantees that it's gonna grow. And at the moment, like, I wanted to make sure that you guys could stabilize cash flow wise before we go and kind of jump into, like, a big move like that. Yes. Even though I know that we want to buy the house, Yes. if the money is in your super fund, you do not have flexibility to just pull it out whenever you want. It's there and it's done Unless you you meet the requirements to actually pull it out under the First Home Super Savers, it's just not you know, it's not easy and you can't do it on a dime. So if you guys turn around and go, we found the perfect pathway and we're done, Yeah. you could get locked up with being unable to remove your money for ninety days, which purchasing a house, usually, you're looking at, like, thirty day contracts or fourteen Yes. day finance generally. So it's Okay. just really restrictive. Definitely something we can look at if you are interested in it, but I did discount it just at the moment just to allow you to kinda stabilize and maybe we look at it in six to twelve months if it's something you guys are keen on. What's the kind of interest, like, or the growth on those accounts? Is it much higher than, like, a a regular bank interest account? Or Bank account because bank accounts run off the cash rate. So it's, like, 3% yeah. versus in your super funds, it's based on the investment returns within your fund. So historically, both of your funds have kind of run at, like, the nine ish percent mark. Okay. Whereas so but, again, it it's not guaranteed. Investments change and fluctuate and sometimes you have a bad year. Yeah. Yeah. Okay. So Because there's at that. the moment, The we're saving into an ING account, which is 5%, but Yep. it's Yes. guaranteed. High interest savings account. Yep. Yeah. So Yes.","start_word":1438,"end_word":1776,"sentiment":"neutral","sentiment_score":-0.033508832041712636},{"text":"it's, I guess, probably a bit of a safer option, and we also have access to it.","start_word":1777,"end_word":1793,"sentiment":"positive","sentiment_score":0.33488327264785767},{"text":"So if there's any ever anything that you wanna do, you are able to to just pull it up. Yeah. Yeah. Yeah. Yeah.","start_word":1794,"end_word":1816,"sentiment":"neutral","sentiment_score":0.2306840154139892},{"text":"Yeah. Like, the ING account's fantastic. And, yeah, you are corrected.","start_word":1817,"end_word":1827,"sentiment":"positive","sentiment_score":0.5760664939880371},{"text":"ING the ING saver accounts are higher than a normal bank account. They're specifically set up like that because, ultimately, what ING do is ING actually invest your money in the back end. They guarantee you the 5%, and they, Mhmm. you know, they walk away with whatever they make over that. So they may may have made 20%. Right. They walk away with that earnings, and you walk away with your guaranteed five.","start_word":1828,"end_word":1901,"sentiment":"neutral","sentiment_score":0.15375690162181854},{"text":"Very, very much a safe option.","start_word":1902,"end_word":1907,"sentiment":"positive","sentiment_score":0.6297469735145569},{"text":"They're Yes. taking the risk because ultimately, if the market tanks it, they make 2%. They still have to guarantee you you five. Yes. Okay. So I didn't they're know hedging they did their that. bets. Yeah. I do all kinds of fun things. Some deposits work the same way as well. So the term deposit, you know, you put x amount of money in. You can't attach Yes. that money for three, six, nine, twelve months, whatever the case may be, whatever the term of the contract is, and you are guaranteed to get x amount of money back. What happens is the bank generally basically either invests it or they loan that money out to someone else. They get paid interest from that loan, and then they pass some of the interest onto you. Wow. Okay. Interesting. Yeah. Can be fun. So yeah. So if you're comfortable with the ING account set up that you have, realistically, it's guaranteed returns. It's a little bit safer, and you guys have that access as well, which is really Yes. But I just and, like, I have recommended it to clients before. I just didn't feel at the moment until you guys are really stabilized with, you know, purchasing the car and sort of being in your jobs for, you know, an extended period of time, that it was probably the safest initial move. And with Yeah. some of the recommendations I've already put in the document, I didn't wanna scare Yeah. Yeah. Yeah. No. you. That's So okay.","start_word":1908,"end_word":2165,"sentiment":"neutral","sentiment_score":0.08320148289203644},{"text":"let's I'm jump happy in. with that. Cool.","start_word":2166,"end_word":2173,"sentiment":"positive","sentiment_score":0.4551845788955689},{"text":"Well, let's jump into the actual document Mhmm. and run through it. The first few pages are basically the information that you provided when you're talking. So the scope of the advice was basically considered around super insurance. You know, we did obviously talk about the debt management, the house purchase, car purchase, stuff like that. And that was all sort of through being Mhmm. able to be Other than that, page six and seven is sort of just where your current position stands. So where, you know, the details of your incomes and and position, your lifestyle assets, and your superannuation fund. Yeah. With both of your superannuation fund, neither of your statements had your insurance. So what I've done is I've gone straight to the PDF, and based on your ages, the default insurance benefits would be as what is disclosed on page eight. So that is what the fund would, at a standard amount, enable us to apply for without having to go through any applications. So not really a massive amount of money in comparison to what we did discuss with with sort of looking around that million dollar. Yes. Now from there, what we what I sort of looked at was where your super funds sit currently. Now I wanna preface this with the fact that I'm well aware that these documents are hefty in size, and I wish that I could make them smaller. But, legislatively, I have to include all of the rigmarole that it does include. But it comes down to at the nuts and bolts. You are both long term investors when it comes to your superannuation. With your superannuation, it is something that you cannot touch for a very long time. Mhmm.","start_word":2174,"end_word":2465,"sentiment":"neutral","sentiment_score":0.019634386524558067},{"text":"Unless extenuating circumstances are released, such as Adam being able to pull money out during COVID.","start_word":2466,"end_word":2481,"sentiment":"negative","sentiment_score":-0.4128541350364685},{"text":"You know, Mhmm. that was something that that was a parameter that opened up. Not generally something that is allowed, but there are certain circumstances that do allow you to to access. Now Yeah. what I looked at for Adam and based on current balance and the current position of the funds, it does currently have insurance.","start_word":2482,"end_word":2538,"sentiment":"neutral","sentiment_score":-0.2136726975440979},{"text":"It is very limited insurance.","start_word":2539,"end_word":2543,"sentiment":"negative","sentiment_score":-0.630272626876831},{"text":"Mhmm. It is not receiving any contributions, which I already know based on our conversation and the self employment, the previous Yeah. travel, so on and so forth. The recommendations fall down to two simple things for Adam is that the money that you have built needs to stay with Mercer at the moment. Whilst I would love to and did look at alternative funds, the balance that you have does not really allow for any massive diversity of investing. So using stocks and stuff like that isn't really open at the moment based on where you sit.","start_word":2544,"end_word":2641,"sentiment":"neutral","sentiment_score":-0.2105206217692823},{"text":"What I do wanna do, and a 100% happy to help you out and want to help you out getting that done, is to alter the investment that you currently have.","start_word":2642,"end_word":2672,"sentiment":"positive","sentiment_score":0.38523781299591064},{"text":"Currently, the investment that you have in place is a little bit more conservative than what I would want you to be in, and what I wanna do is I wanna increase that risk. So it's basically putting more asset into equities, like your global Australian equities to enable you to actually have the growth backing. Currently, with your Mercer Fund, you're in what they call, like, their my super or their smart path option, which is basically your age. I wanna remove you out of that because what happens is as we get older, they slowly start decreasing the risk, which is it's cool. It's basically like a bit of a bell curve as when we're young, they have, you know, high risk. And then when we hit about 45, they start slowly decreasing the risk because according to the minds that be, what happens, we hit 45 as we've got all our stuff sorted, and and ultimately, we should be paying our debts off and consolidating everything. And, you know, we're no longer taking on debts, and that's Yep. kind Yes. of how life should roll. It's not how life rolls, but that's how they put it. So what I wanna do is basically take the money because you're probably a 100% within that one fund and split you out over three different holdings. One is like the them it's still a sort of mixed it's called a mixed asset Yep. portfolio. It's a there's a high growth portfolio. Put you 50% in there, and then the other 50% split evenly between Australian international shares just to push you back into that threshold.","start_word":2673,"end_word":2947,"sentiment":"neutral","sentiment_score":0.09820907031947916},{"text":"So Yep. that way, you're sitting more towards, like, a 95% invested in the market, and you've only got a little bit sitting defensively.","start_word":2948,"end_word":2971,"sentiment":"positive","sentiment_score":0.3629937469959259},{"text":"You're always Mhmm. gonna need defensive assets, but we don't wanna have too much sitting defensive because currently, you've got all percent sitting defensively. Majority of it's sitting sort of in your alternative defensive asset. You've got some defensive property as well, Yep. but I wanna sort of push more of it into that that growth.","start_word":2972,"end_word":3027,"sentiment":"neutral","sentiment_score":0.16621069610118866},{"text":"Yep. So that's nice and easy, and I can do that for you.","start_word":3028,"end_word":3040,"sentiment":"positive","sentiment_score":0.6770685315132141},{"text":"Either you Yep. if you're willing or happy to, you can do it on the portal. To save you needing to navigate that, there's a form I can send you. Unfortunately, it does have to be wet signed, so pen to paper signed, but I can send it to you by post. We can sign Yeah. it, and we can submit it to us off. It'll Okay. mean that the current investment and all future investments moved into that new allocation. And then we can just touch base each year, make sure that everything's tracking on well. And when the funds gets to a point where we can do more with it, we will. So when Okay. the balance increases to a point where we can actually start investing in a more ergonomic way, But Okay. for now, this is gonna give you the best opportunity to just get that balance up Yep. in line with that. And if you're reading the document, I am very much going all over the place because while the document's in one order, my brain's in another. Even though I broke the document, in line with that, what we do need to do is we do need to start contributing to the fund. So currently, legislation stipulates 12%. I would like you to get to the point where you are making 12% contributions. Yep.","start_word":3041,"end_word":3270,"sentiment":"neutral","sentiment_score":0.10509928315877914},{"text":"But I am reasonable in the fact that you are trying to save towards the house as well.","start_word":3271,"end_word":3288,"sentiment":"positive","sentiment_score":0.391079306602478},{"text":"Yep. So there's one of two options that we have. I have recommended 12 because Yep.","start_word":3289,"end_word":3304,"sentiment":"neutral","sentiment_score":0.18962885439395905},{"text":"I need to, and, also, it does give you the best outcome. If I could say, you know, more money, I would. Yep. Mhmm. And that's purely and simply because it's gonna allow you to actually build it. So it's gonna support the insurance premiums that I'm recommending that we start taking on.","start_word":3305,"end_word":3357,"sentiment":"positive","sentiment_score":0.4936612844467163},{"text":"Okay. Now 12% of your income, because your income's high, means that we're putting quite a bit of money in. Yeah. We're putting, like, $20 in a year. How Mhmm.","start_word":3358,"end_word":3387,"sentiment":"neutral","sentiment_score":0.31403446197509766},{"text":"comfortable are you with that? Oh, I just yeah. Like, I can make that happen. Yeah.","start_word":3388,"end_word":3403,"sentiment":"positive","sentiment_score":0.4649025797843933},{"text":"Of course. Like, if that's something that yeah.","start_word":3404,"end_word":3411,"sentiment":"neutral","sentiment_score":0.3167148232460022},{"text":"Yeah. I can make that happen.","start_word":3412,"end_word":3417,"sentiment":"positive","sentiment_score":0.656441330909729},{"text":"I I haven't contributed to it at all racing lane.","start_word":3418,"end_word":3427,"sentiment":"neutral","sentiment_score":0.26587122678756714},{"text":"But, yeah, if we once I get on track, I think that that's can be achievable.","start_word":3428,"end_word":3443,"sentiment":"positive","sentiment_score":0.5608316659927368},{"text":"What we do or how we structure it is basically under the business. Mhmm. But and, again, I know it's it's very much ABN wise, but we structure it to the point where, you know, because you get paid because you get paid through an ABN, you need to sort of generally try and make sure you're taking care of any taxes and stuff like that. Yeah. Outside of taxes and if you have a good accountant that's working with you, they will generally be they will generally make sure that you put tax to the side. So don't wait Yep. for the tax bill to come. Have an account that you put your your tax money aside into. Yep. Do the same thing with your superannuation. So that way Mhmm. every quarter when you sit down and do your BAS, you pay your BAS, and you put Okay. the money into your superannuation fund at the same time. K? So it's just a matter of just structuring it in a sound way. Now, Yeah. generally, it's easier to kinda roll with 10%.","start_word":3444,"end_word":3626,"sentiment":"neutral","sentiment_score":0.17761285603046417},{"text":"That way, it's 10% of whatever I got whatever I earned out of that pay run goes over there into that account for my super.","start_word":3627,"end_word":3651,"sentiment":"positive","sentiment_score":0.35545074939727783},{"text":"Yep. And I would be willing to begin with while you get yourself set up to to pay, go with 10%. Go with 10%. It's an easy round figure for you to be able to calculate Yep. and and pop into that that account. And then each quarter, pay it. I will give you the details to be able to pay into pay into, like, a super Yep. fund. So that way, it can all go that way. If you don't wanna pay it that way and because I I know you have an you have an accountant. You did have an accountant, and I'm not misremembering that. Right? No. No. I did. Yeah. Yeah. Cool. And you had a good accountant that you liked, which is why you didn't want any of my accountant recommend hey. You know, I I remembered mean, something. maybe. I mean, I don't know.","start_word":3652,"end_word":3801,"sentiment":"neutral","sentiment_score":0.08657267858584722},{"text":"I I don't know. I think it's shit. I don't know.","start_word":3802,"end_word":3812,"sentiment":"negative","sentiment_score":-0.5142354965209961},{"text":"I don't know.","start_word":3813,"end_word":3815,"sentiment":"neutral","sentiment_score":-0.3167901635169983},{"text":"He We're not bought a liking bunch him. of shit by the way.","start_word":3816,"end_word":3828,"sentiment":"negative","sentiment_score":-0.40852734446525574},{"text":"I could yeah. I I don't know. He charges a lot, Look. but and, like, I Most don't accountants know how much he's are in got. my book. Hey?","start_word":3829,"end_word":3857,"sentiment":"neutral","sentiment_score":-0.17843087017536163},{"text":"Most accountants are crap in my book. Like, they hit me to tears, and now they never call you back when you need them to.","start_word":3858,"end_word":3882,"sentiment":"negative","sentiment_score":-0.6154875755310059},{"text":"Yeah. Yeah. And, like, it doesn't follow-up, and and I'm not sure if I should start doing, like, my bath myself. Like, is that a good idea or no?","start_word":3883,"end_word":3911,"sentiment":"neutral","sentiment_score":-0.22677379846572876},{"text":"I just feel like he because he charges It me, comes like, down six to 100 to do my bath, and I feel like that's really expensive Yeah.","start_word":3912,"end_word":3939,"sentiment":"negative","sentiment_score":-0.33800965547561646},{"text":"after So I've it's reconsolidate me. been a long time. Yeah. Yeah. Especially so it comes out of two things, time, effort, and knowledge. Do you have the time Yeah. to do your bath? Do you have the effort to want like, to even want to do it? And do you have the knowledge to be able to do it? Like Probably me, got I one of can them. mow my lawn. I have I have the I have the knowledge on how to mow my lawn, still force my Yep. 12 year old to do it Yeah. Okay. and pay him for the privilege. Yeah. So it it it comes down to those three factors. Generally, with any business related aspect is do you have the time to do it?","start_word":3940,"end_word":4070,"sentiment":"neutral","sentiment_score":0.004971516041355279},{"text":"If you do, that's fantastic.","start_word":4071,"end_word":4075,"sentiment":"positive","sentiment_score":0.6768961548805237},{"text":"Do you have the knowledge to do it? If you don't, maybe it's something that you spend the next six months every time the accountant does the BAS. You just inquire a little bit more, learn more, expand your Yeah. knowledge bases, do the research into how to do it, make sure that you're doing it on time, make sure Yeah. you set, you know, calendar reminders for yourself to do it. 100%. It's Mhmm. a massive savings fund wise. But Yeah. it's saying, yeah, I'm gonna save the money and and and I'll do this myself and then actually doing it, two different things. Yep. Yeah. Now if you don't like your Uh-huh. accountant, I have worked with many accounts that I actually do like. Are they Gold Coast based? They are Gold Coast based, which Okay. because you're in Tella, that kinda sucks. Like, most accountants do everything over the phone. I haven't seen my accountant Yeah. in ten years, and I've been working with her twelve. She Yeah. Yeah. works Yeah. up in Brisbane. Yeah. It's the, like, West Brisbane. I just email her, and I'm like, here's everything. Thanks. Bye. Yeah. Yeah. Yeah. But yeah. Like, I have an account in here on the Gold Coast that I have recommended and a few of my clients do. Look. You can use my account that I've used for twelve years, but you're not gonna like her cost. I can tell you that much. Right. I don't like her cost. I'm just stubborn, and I've been with her for too long to have the even consider moving. But if you do wanna review it, just let me know, and I can find out what they charge for BAS and stuff like that and let you know. Okay. Alright. But yeah. Contributions? Sorry. So off track. Yep. Contributions are definitely a need to have. Because otherwise, Is this we're not just gonna like end I've up I've got a, like, a tax bill that I'm, like, trying to triple a out. Is this yes. something I could be doing together? After Or your tax bill. After your tax bill. okay. So get Yeah. let's get our tax bill, and that's what I mean about let's stabilize our finances is Yeah. let's get our tax bill sorted and paid off. And then once our tax bill's sorted and paid off somewhere a little bit more stable and we're Yep. putting money away to keep on top of that our taxes and able to Yep. put a little bit more money away into those avenues, we start making Yep. the contributions. So it's not Okay. gonna be something that we, you know, pick up tomorrow and say let's start paying. It's Yeah. let's just stabilize ourselves. Let's get the tax Yeah. I'm bill fine. paid off. Get a little Mhmm. bit more money sitting in that kitty in that savings account so Yeah. we have a little little bit of room to move, breathe. That way, if anything happens, I e, one of the car needs new tires. Yeah. It's, you know, Good. thousand dollar Yeah. endeavor in and of itself. Yeah. We've been You have we've the been money. You have the backing. yeah. We've started to save. I wouldn't say we've got heaps. We've got $8 in a joint account towards a future house, and then Adam's got another 8 towards the tax bill that it's gonna go on. So we are working towards it.","start_word":4076,"end_word":4661,"sentiment":"neutral","sentiment_score":0.02019142458189927},{"text":"But, yeah, I think the tax bill is still probably a fair chunk away from being paid off.","start_word":4662,"end_word":4679,"sentiment":"negative","sentiment_score":-0.4705579280853271},{"text":"Yeah. Yeah. Yeah. Why do I feel like $60 is where we're sitting? Oh, I think Is it it's 40? about 60? what are we What? Your tax bill. 32? Oh, the 32? And then 30 I'm gonna 2. put up about to put $8 towards that for the Alright. So app. it's 20 gonna 6 come down significantly. Yep. 24. Yeah. 24 soon. Yeah. Yeah. No. No.","start_word":4680,"end_word":4747,"sentiment":"neutral","sentiment_score":-0.0011834304998902714},{"text":"That's perfect. So we're gonna bring it right down.","start_word":4748,"end_word":4756,"sentiment":"positive","sentiment_score":0.4150177836418152},{"text":"And, also, considering when I spoke to you guys literally the three months ago, we had $2 in savings.","start_word":4757,"end_word":4775,"sentiment":"neutral","sentiment_score":0.24883905053138733},{"text":"So the fact that we've gotten up to $16 total we're doing pretty well.","start_word":4776,"end_word":4789,"sentiment":"positive","sentiment_score":0.5070062875747681},{"text":"Yeah. Yeah. We are trying. I'm We've doing definitely really tried to rein it in, the spending and and everything, but still Yeah. Live life a little bit. well. Yeah. Oh, you still Yeah. have to live life.","start_word":4790,"end_word":4827,"sentiment":"neutral","sentiment_score":0.13490162789821625},{"text":"You still have to have some freedom, but no, that that's perfect. The fact that you allowing yourself the the indulgence of his life, but you're still making good headway with savings.","start_word":4828,"end_word":4859,"sentiment":"positive","sentiment_score":0.41972073912620544},{"text":"I know your overheads are pretty low, so you do have the capacity to save, Mhmm. Yes. which is good. But, yeah, I think we just try and tackle that bill, which realistically, if you've been able to pay that, you've got what? Maybe if you're able to keep on that savings trajectory, got maybe three three more to three months, I think. And that's Yeah. Yep. Also making sure that you're putting money away to pay new ATO bills. So Yeah. we're not just putting everything into that ATO debt because otherwise, all we're gonna do is pay off the old debt and incur a new Yeah. one. So we have to think about it strategically and put money aside each month as you get paid or each pay cycle as you get paid, put money into that tax account. I'm not saying I'm not saying let's put extra money for super. Let's just put money into the tax account. Yeah. If his if his business is putting, say, $500 a week into that towards the current tax bill, though, would that not reduce his the business's overall No. Earnings? No. No. It's all No. deduction, is it? No. No. No. No. No. A tax bill is not a deduction. Tax bills are you didn't pay us. You now owe us, Yeah. unfortunately. Bye bye. Yeah. Okay.","start_word":4860,"end_word":5087,"sentiment":"neutral","sentiment_score":0.006573540599722611},{"text":"It's unfortunate. Very wrong. Like yeah. I I wish there was a way around that.","start_word":5088,"end_word":5102,"sentiment":"negative","sentiment_score":-0.4060484766960144},{"text":"But, yeah, there's not. I can't think of anything. I'm not an accountant, but then, yeah, there's definitely no way around being able to deduct that. Yeah. Okay. That's alright. Yeah. He's not off Would here. you try? He's in trick somewhere. I would love to I would love to write my tax off on tax. No. Well, I don't have to carry it.","start_word":5103,"end_word":5166,"sentiment":"neutral","sentiment_score":-0.11080320924520493},{"text":"That's fine. I just love that.","start_word":5167,"end_word":5172,"sentiment":"positive","sentiment_score":0.5029916167259216},{"text":"Yeah. Look. Realistically, what you can do, and I have seen it before, and you could talk to your accountant about doing it, is it takes a lot of asset management, so whether you you and your accountant wanna do it, but you can apply to basically get a reduction on it if you pay, like, a lump sum. And, like, I'm not saying $8 lump sum. I'm saying, like, it might be 32 if you pay 28. They'll wipe off the additional 4. And it's just saying It's I have possible to do it with my account. yeah. Your account will have to apply to the ATO. Oh, I mean, you could possibly do it. I'm not gonna lie. I have zero ideas how to do it. I just know that you can. Yeah. Right. But we need a a But bigger lump sum than the 8. you need to have the money to do it. Yes. Yeah. Yeah. You need to have the money to do it. Because while you have the ATO debt, it does incur interest. Yep. Correct. Yeah. So you can sometimes get that waived or wiped to a certain degree up to a certain amount. Do So you is there, like, it's requirements for that, though? Like, do I have to claim it's some sort zero of hard ideas. work? You know? I'm I have no idea. I honestly Yeah. don't. I just know that you can, not any of the parameters around Yeah. Yeah. That's okay. how to. Know all this useless information.","start_word":5173,"end_word":5432,"sentiment":"neutral","sentiment_score":-0.006044523804358995},{"text":"Just no idea how to execute it.","start_word":5433,"end_word":5439,"sentiment":"negative","sentiment_score":-0.3460669219493866},{"text":"So yeah. So it's an option. I mean, just next time you meet with your accountant, just kind of maybe flag it as a could we do this type of scenario. Yep. Yep. Wouldn't be worth Okay. it. Wouldn't be wouldn't hurt. Don't make a special appointment for it. Just keep doing what you're doing, saving, and see what happens from Yeah. there. Okay.","start_word":5440,"end_word":5503,"sentiment":"neutral","sentiment_score":0.027100833132863045},{"text":"Cool.","start_word":5504,"end_word":5504,"sentiment":"positive","sentiment_score":0.4370753765106201},{"text":"So on Adam's Superfund side, it's a basically retain Mercer. Let's start getting money paid to it, and Yep. let's make some investment changes on Alicia's side. Yep. What I actually wanna do is you whilst 40 grand's not a massive amount, Yes. it's actually pretty average for your age group. Like, Mhmm.","start_word":5505,"end_word":5557,"sentiment":"neutral","sentiment_score":0.19334477186203003},{"text":"Yeah. You're nearly hitting 6 figures, which is great.","start_word":5558,"end_word":5566,"sentiment":"positive","sentiment_score":0.5996693968772888},{"text":"So your Mhmm. contributions are gonna be coming in from your employer automatically. Because you're employed in that structure, your employer has an obligation to pay, which is Yeah.","start_word":5567,"end_word":5595,"sentiment":"neutral","sentiment_score":0.18526862561702728},{"text":"great. It is.","start_word":5596,"end_word":5598,"sentiment":"positive","sentiment_score":0.5480284094810486},{"text":"What I'm actually recommending is we do open up your ability to invest more strategically. Okay. So we migrate your funds from Brida over to Hub twenty four. They're a more open investment platform, and it just gives you thousands of different investment options available. And, eventually, that's what I sort of wanna do with Adams as well.","start_word":5599,"end_word":5656,"sentiment":"neutral","sentiment_score":0.2616012990474701},{"text":"And we can link the two accounts together so that way you guys have visibility across each other, and it just enables you to do some more.","start_word":5657,"end_word":5683,"sentiment":"positive","sentiment_score":0.3903198540210724},{"text":"It means that also in the future when we kind of stabilize a little bit more and maybe we have some further investing goals, we can also have an investment account that we can grow and build alongside the super funds that personally Okay. owned that you can withdraw and access later. Yes.","start_word":5684,"end_word":5736,"sentiment":"neutral","sentiment_score":0.31215929985046387},{"text":"So it just gives you a bit more access to everything.","start_word":5737,"end_word":5747,"sentiment":"positive","sentiment_score":0.4131048023700714},{"text":"Now with Hub twenty four, there's multiple different investment options. But what I wanna do is that we actually like, you actually worked with BlackRock, who are one of the biggest investment managers in the country. Well, actually, they're actually the one. But that's it. And we built what's called a separately managed account. So it's called an SMA. Now what that does is it basically houses think of a big circle, and inside that circle are lots of different circles. And each of those little circles are different investment groups. So one over here could be, say, Australian investments, and inside that Australian investment Okay. are, say, hundreds of little individual assets. Mhmm. And then Yeah. over in another circle, you've got US investments. And inside that little circle is a bunch of different other little things. And you've got heaps of different things. Yeah. So it means that, basically, you're able to invest on a level where you have, say, point one of a percent of a share in a company. Okay. So you are diversified a lot more while basically just being in the one asset. It also means that if the market's going to go through anything crazy, we work with our investment committee, which BlackRock sit on, and we can make movements within that SMA. So if all of a sudden we sit there and go, oh, you know what?","start_word":5748,"end_word":5982,"sentiment":"neutral","sentiment_score":0.105448362041027},{"text":"Japan's not doing so great anymore.","start_word":5983,"end_word":5988,"sentiment":"negative","sentiment_score":-0.3518642485141754},{"text":"We're gonna Yeah. change the waiting. We're gonna move out of Japan a little bit and maybe buy a little bit into, you know, Europe or other other sort of entities. We Yeah. can do that without having to Mhmm. jump on the phone and say, hey. Japan's not doing great. Let's do this. And we have that time sensitive ability to make those moves in that capacity, Okay. Mhmm. you're not losing anything that you already have. Like, you currently when you you know, if you were to log in to your Brighter Super app, you see one investment option that you hold. That's all you see. So you're gonna see the same sort of thing. You're gonna see the Yeah. one investment option that you hold. You're not gonna see anything crazy or anything different. But the cool thing is that you can actually click on that invest investment option, and it actually breaks down every single one of the entities that you do hold down to the fact that you can see that you have, say, CBA shares and stuff like that. So Okay.","start_word":5989,"end_word":6175,"sentiment":"neutral","sentiment_score":0.12866611133284747},{"text":"Cool. really cool from that degree just being able to see what your actual underlying investments will be.","start_word":6176,"end_word":6193,"sentiment":"positive","sentiment_score":0.5433759093284607},{"text":"Yes. Cool. No. I'm happy to do that. Now in line with the superannuation side.","start_word":6194,"end_word":6208,"sentiment":"neutral","sentiment_score":0.20729388296604156},{"text":"So nice and easy.","start_word":6209,"end_word":6212,"sentiment":"positive","sentiment_score":0.598816990852356},{"text":"We make a move. We do the investor change. We'll get you the form that you need to start contributing. The form that you provide your employer so they can start contributing. Yes. Now when Okay. we spoke, we wanted to look at insurance that was to the the level of about a million dollars. Yeah. We can decrease this if we're uncomfortable at this level, but we looked at a million dollars. We talked about a million dollars, and what that was aiming to do was basically buy a house outright. So if anything happened to either of you, the other would be left the house. If you were never able to work again, we have a fully paid for home, Yes. and the other person would be able to just work to pay for the living expenses. Yes. So what I looked at was a million dollars worth of life and total amount of disability. Mhmm. Now for adam,net life as the insurer was suitable, and that's occupation based. Because he's a rigor. You want a provider that, a, deals with that occupation, and, b, treats that occupation fairly in the market. Okay. Not not every insurer goes after every occupation demographic. Some insurers are better for professionals or doctors. Others are better for heavy manual. I have specific insurers that are better for, you know, mining. Right. Yes. MetLife loves farmers, love miners. They love our heavy blues. So MetLife came out the best for occupation rating cost features when it comes to your post occupation, Adam. So if we write a million dollars worth of life and total in home facility, we're looking at $987.62 per year. Your super fund can pay for it. So your super fund currently pays for the premiums. Your super fund can continue to pay for the premiums. So Okay. it's not going to erode anything there.","start_word":6213,"end_word":6528,"sentiment":"neutral","sentiment_score":0.06798300138804354},{"text":"Yep. The benefits of that are that because your super fund pays for it, it's 15% cheaper. So if you were to pay for it, it becomes $1,100 or 1,162. Yes. Because your super fund is paying for it, you get a deduction because the super fund claims.","start_word":6529,"end_word":6576,"sentiment":"positive","sentiment_score":0.4843669831752777},{"text":"The downside are that under a claim, it's basically a two claim process for either life or TPD. So what happens is you would go to MetLife. MetLife insurance approved the claim, and then they send the claim to the superannuation claims team. Yes. It's all Wow. done internally, and, realistically, you as the customer don't see anything to do with it, and all you would see is one extra form that you have to fill out. You, if I had, didn't tell you, wouldn't really notice anything about the claims process. With life insurance, when it's owned by the Superfund, you are limited on who you can nominate as a beneficiary. So a little bit of a downside. You're limited to basically a spouse, a child, or a financial dependent. Now I assumed, and based on our conversations, that we're gonna nominate each other anyway. Yes. So not gonna be an issue with regards to nominations because you guys are each other's Yes. thousand. With CPD, that's probably the biggest downside that we have when it comes to paying for the insurance within the super fund rather than paying for it personally. If you pay for total impairment disability insurance personally, it's paid to you tax free. It's paid directly to you. It goes into your bank account. It's done. It's deducted. You walk away with a million dollars. When it's paid for by the super funds, what happens is Mercer actually sets up a brand new super fund for you. It because I'm sorry. MetLife. MetLife set up a brand new super fund for you. It's basically like a MetLife insurance holding account. You were then able to do one of two things with that money. The money was paid from the insurer to the super fund. And then if you wanna get that paid to your bank account, you pay up to 22% tax because you are not over 60. Yep. Or you can roll that into a super fund.","start_word":6577,"end_word":6909,"sentiment":"neutral","sentiment_score":-0.05099484100714102},{"text":"You can invest that.","start_word":6910,"end_word":6913,"sentiment":"positive","sentiment_score":0.3375704884529114},{"text":"It can hold there.","start_word":6914,"end_word":6917,"sentiment":"neutral","sentiment_score":0.31792354583740234},{"text":"You can set up a pension account so you can have a weekly, monthly, fortnightly income stream.","start_word":6918,"end_word":6934,"sentiment":"positive","sentiment_score":0.33827856183052063},{"text":"And there are a heap of tax reduction reducing. I had a client. She was 42. Williams held it disabled. I pulled over a million dollars out of her super fund, and she paid not a cent in tax. So there are ways that you can minimize to the point of completely mitigating the tax obligation, but it's not always the case. Generally, the best I see is around the 5% tax mark, Yep.","start_word":6935,"end_word":7008,"sentiment":"neutral","sentiment_score":0.010204551741480827},{"text":"but I'm forever gonna love my 43 year old because $5,000,000 no tax.","start_word":7009,"end_word":7021,"sentiment":"positive","sentiment_score":0.49844858050346375},{"text":"So there there are there are definitely ways that we we can minimize the tax, but that's a you and me conversation if we ever have to make a claim on that. I just wanna make you aware that if you just go off and put a claim in and get them to pay you, you are paying it's not gonna be 22% straight up, but it it's pretty close to 22%. I always say Yep. up to 22%. There's always some concessions that you get straight off the bat that are calculated at the time that you go to claim. So it's not something Yep. I can estimate and and give you a figure for now. It's just that time of claim. That's what it ends up being. Okay. So yeah. So the downside majorly when it comes to TPD, but it's being paid inside super is that. What we do is we, you know, we cancel the insurance with Mercer. So we'd submit a cancellation request with Mercer to cancel the current insurance inside it so you're not paying for double insurance premiums when the new insurance went in in force. And, again, Mercer would just pay the premiums every year for MetLife. Okay. On the flip side for Alicia, same Mhmm. same informationally, insurer is ClearView. With ClearView, you. like like color professional jobs.","start_word":7022,"end_word":7248,"sentiment":"neutral","sentiment_score":0.02332189865410328},{"text":"So government employee, death job, all the rest of the things, they love you as a person.","start_word":7249,"end_word":7265,"sentiment":"positive","sentiment_score":0.40210986137390137},{"text":"MetLife, not so much. So what we've what we've got is same thing there is a million dollars worth of life, million dollars worth of CPG, white collar profession versus what we've got as a blue collar, very different. You're also a female versus a male. Your Yes. premiums are $406.90. Occupation rating does play a massive part. Also, gender does play a massive part. Females generally pay that.","start_word":7266,"end_word":7334,"sentiment":"neutral","sentiment_score":-0.0045912195928394794},{"text":"Men are just slightly more risky.","start_word":7335,"end_word":7340,"sentiment":"negative","sentiment_score":-0.3521478772163391},{"text":"Yes. It's generally not. It's never too too much, but it's always just a couple of dollars different, which is always something funny to to look at. Although there's some occupations, women do pay more. But anyway so same time. What we do is we we replace the current insurance that you have within Ryder Super. So basically, when what we would do is we would set up your new insurance policy. We'd set up your Superfund account. We'd roll majority of the funds over from private super, leave about $10. So we'd roll sort of, like, that $30 over into hub twenty four, leave Yes. 10, get the application for your insurance done. Because Yes. insurance applications, while they don't normally take a lot of time, they can take time. Okay. Like, I've I've seen applications take twelve months, and that's because medicals are required and stuff like that. Oh, okay. Yeah.","start_word":7341,"end_word":7493,"sentiment":"neutral","sentiment_score":-0.0035913160536438227},{"text":"They can drag out.","start_word":7494,"end_word":7497,"sentiment":"negative","sentiment_score":-0.33721205592155457},{"text":"Yeah. With these insurance applications, what you would do is you would go through a full application process. So you actually answer a full medical questionnaire, and you disclose to the insurer your past medical history, family Okay. history, stuff like that. Nothing we spoke about raises concerns for me. I know that Adam has some family history with dad, and at least if you you broke your back horse riding, high cholesterol, but that's all controlled. Pap smears, all fine. No stress with any of that. It all needs to be disclosed to them, Yes. but that's just so so they're aware. And what they do is they basically treat you like an individual person rather than a random number, and it means that claims process is a lot easier. Now Okay.","start_word":7498,"end_word":7630,"sentiment":"neutral","sentiment_score":0.0064758983601752975},{"text":"Cool.","start_word":7631,"end_word":7631,"sentiment":"positive","sentiment_score":0.3340233862400055},{"text":"if we're uncomfortable with that insurance amount, I did look at 500,000 as well, but 500,000 is not really gonna get us to the what we want to purchase a full house and so on. Yeah. And am I I don't know if I'm reading this right, but does the money come out of that super account per year or Full. Yeah. Yeah. Correct. So your superannuation fund would pay for the insurance policies. no? No. Yeah. Yeah. I'm I mean, obviously, Adam is a lot his bills higher than mine, but I'm happy with 400. It says 400 and something per year. I think that's a reasonable amount for for life insurance for a million dollars. Yeah. Yeah.","start_word":7632,"end_word":7750,"sentiment":"neutral","sentiment_score":0.008733798749744892},{"text":"Now How about you, Adam? it's fantastic. Yep.","start_word":7751,"end_word":7758,"sentiment":"positive","sentiment_score":0.4987860918045044},{"text":"Yep.","start_word":7759,"end_word":7759,"sentiment":"neutral","sentiment_score":0.28129249811172485},{"text":"Yeah. Perfect.","start_word":7760,"end_word":7761,"sentiment":"positive","sentiment_score":0.4666486382484436},{"text":"Now Cool. the one a couple of things that we didn't I didn't include, one was income protection, Yeah. and the other was trauma. Trauma Yeah. is an out of pocket expense. And once I do definitely wanna look at getting it in the future, again, I really wanna just stabilize our personal finances before we do jump into that. Yes. And with income protection, the premiums were just too heavy to Yes. be swinging into the funds we currently have established. We need to really beef up the money that we have within our super funds before we're able to start hitting it with premiums to that extent because it's couple grand. Yes. Because income protection is basically if you were short term ill or injured unable to work, it gives you a monthly benefit to basically be able to to give you income while you're not working. Yeah. So I didn't wanna basically give you that impact. I didn't wanna impact your your super funds right now, and we do undertake that as, like, a future endeavor. Yeah. And I think we talked about maybe probably doing it more for Adam rather than me because he's, I guess, higher risk and also similar Correct. yeah. Yes. Correct.","start_word":7762,"end_word":7970,"sentiment":"neutral","sentiment_score":-0.05921923369169235},{"text":"And what I would love to do is and, again, once that ATO debt's cleared up, we have a little bit more of a backing, is we structure the income protection to be paid for personally by the business because that's a tax write off.","start_word":7971,"end_word":8015,"sentiment":"positive","sentiment_score":0.3539167046546936},{"text":"Maybe. So we can structure it that way with that income protection policy. But, again, just wanna kind of try and clean up those those personal finances a little bit first. Yes. So, yeah, that is basically the crux of the advice. The last few pages go through or the last few few strategies, I should say, go through estate planning. So just because we're setting up new accounts, because we're setting up new policies, you know, Adam, I know we're retaining your Mercer Fund, we just update and make sure that the beneficiary nominations that are on file with each of the funds are accurate and nominate each other.","start_word":8016,"end_word":8125,"sentiment":"neutral","sentiment_score":0.21832865476608276},{"text":"And the reason Yes. for that is is that if anything happens, we wanna make it a smooth claims process. Second to that is because we are intending on building a life together, what we wanna Yes. do is we want to make sure that we have established a good will nomination structure.","start_word":8126,"end_word":8178,"sentiment":"positive","sentiment_score":0.43559256196022034},{"text":"So Yes. putting in place a will and a power of attorney because we're Okay. not married. And even if we were married, having the legal document in place just enables either of you to communicate with other providers, bank accounts, super funds, loan companies, stuff like that if something happens to the other person. Yeah. There are a couple of avenues that we can take to get those documents in place that don't cost us a lot of money. So whilst, yes, going and sitting with a lawyer is obviously an avenue that we can take, the other side of things is that we can do it through online providers, or secondarily to that, we can also use the public trustee. The public trustee actually has, like, free provisions. You can book in and schedule times to sit with the public trustee and actually drop your will.","start_word":8179,"end_word":8326,"sentiment":"neutral","sentiment_score":0.207454577088356},{"text":"They're always really inconvenient times, and they're always booked out for three months in advance.","start_word":8327,"end_word":8341,"sentiment":"negative","sentiment_score":-0.33715102076530457},{"text":"But they are there and available, which is really cool.","start_word":8342,"end_word":8351,"sentiment":"positive","sentiment_score":0.4762196540832519},{"text":"There's there are companies like WIL, w r, double l, e d, that it it's I think the last time I looked at it, it was maybe $100 Okay. to do what you will online, but Yes.","start_word":8352,"end_word":8388,"sentiment":"neutral","sentiment_score":0.04036002978682518},{"text":"It's pretty inexpensive. Me and my husband look.","start_word":8389,"end_word":8396,"sentiment":"positive","sentiment_score":0.5952434539794922},{"text":"I have a total of and both of our power of attorney documents, it cost a thousand bucks.","start_word":8397,"end_word":8414,"sentiment":"neutral","sentiment_score":0.3207985460758209},{"text":"So it wasn't hugely expensive Yes.","start_word":8415,"end_word":8420,"sentiment":"positive","sentiment_score":0.39015859365463257},{"text":"to get them done. Again, mine was pretty simple. It was basically if anything happens, one of my poor sisters gets them.","start_word":8421,"end_word":8442,"sentiment":"neutral","sentiment_score":0.27304506301879883},{"text":"So that's something you can do for yourselves.","start_word":8443,"end_word":8450,"sentiment":"positive","sentiment_score":0.38245245814323425},{"text":"It'll basically be mirror will. Yes. So a will Yeah. is never done for two people. You do an individual will for each person, but you can just mirror each other. But a will just allows you to have provisions within it as well. Now for Adam's business, if you wanna go to the point of, like, the business and and and all that kind of stuff, you can make it more complex. But with the structure that you currently have in place, it's probably not something you need to consider. If you ever grow the business, put on, you know, interns or apprentices, that's what they call it, like apprentices or anything like that, you may have, Yes. like, a, you know, more of a succession plan in place. But for now, with the size of it and what you're currently doing, probably not needed. Okay. So that's pretty much with the document. The last, I guess, the probably the pages that are not most they're not most important, but just the ones that I haven't really covered off yet would be from page 44 down. It's just a because you're connected to my director. I'm not gonna charge you anything upfront for the setup Cool. of any of the supervisor. ClearView and or ClearView twice instead of ClearView and MetLife, but you understand the reference. Yeah. Yeah. Mhmm. That's okay. The insurer the insurer pays us a a setup fee. 6066% of the initial paid by them to us. They're not paid by you. They pay Oh. us. So, Adam, because when yes. It's because we're setting up the the the account, so they don't have to do anything administratively. Right. We go through the application with you. They don't have to do anything administratively.","start_word":8451,"end_word":8747,"sentiment":"neutral","sentiment_score":-0.008331386453976936},{"text":"They also pay us an ongoing because if anything happens and you go to claim, we help you through the claim.","start_word":8748,"end_word":8768,"sentiment":"positive","sentiment_score":0.3356473445892334},{"text":"There's obviously still something they have to do. They still have to go through the claim and finalize it, but we Yeah. are basically that middleman. We help you out with everything. So they Okay. pay us the commissions for it. Yeah. Adam, your super fund, I can't connect to it. I could be a third party authority holder, so it means that I can act I can inquire on the account, but I'm not able to act on your behalf. So I will do everything that I that I've said in this document that I'm gonna do. So I'm gonna, you know, change the investments and all that kind of stuff. But, you know, I can't just go and do anything on my own free will because I can. You always have to sign up on stuff. Alicia, we would manage your investment to our investment committee, everything like that. So your account Yes. would pay us an ongoing fee. It's set to 1.65% of your balance. That's estimated, like, $770 for the first year. Okay.","start_word":8769,"end_word":8945,"sentiment":"neutral","sentiment_score":0.03841150552034378},{"text":"Cool. Cool.","start_word":8946,"end_word":8947,"sentiment":"positive","sentiment_score":0.3885546326637268},{"text":"I think the pages aside from that just really detail, like, your you authorizing me and my team to proceed with the advice. And then my favorite page is page 48. It just steps through the actual stages and everything. So it gives you Yeah. Yeah. context to this astronomically large document and just Yeah. takes you through this is actually what we're gonna do, and these are the steps we're gonna do them in so it makes sense. So Yeah. if, Yeah. you know, No. That's when my team definitely calls and says, helpful. hey. We're doing this. Yeah. Yep. We're Yep. like, we're up to step three. So you could Cool. cancel a lot. Some of the steps do kind of occur concurrently, but for the most part, we do try and step it out as much as possible. Yeah. No. No. Now That how that tool is that is definitely all sounding? helpful.","start_word":8948,"end_word":9103,"sentiment":"neutral","sentiment_score":0.09292047036190829},{"text":"Yeah. It's good. It all makes sense. I'm definitely happy to switch over my super, do the insurances. That all sounds quite straightforward. Sounds like you're doing all the hard work for me, which is amazing.","start_word":9104,"end_word":9139,"sentiment":"positive","sentiment_score":0.6996533274650574},{"text":"Yeah. And then, yeah, I'm happy to, I don't know, like, we're just gonna keep, I guess, saving and building building up our finances again, getting a bit more stable. We're getting there. We're just not fully where we wanna be yet. I think we wanna try and aim at getting a investment property this year, but probably, if we're being realistic, it'll be the end of the year because, you know, we're only sitting Yep. at $8 so far. It's not really enough. But, yeah, that's kind of where we're looking at. We know we probably can't afford to buy a house on the Gold Coast, so we'd look at just getting an investment somewhere else. And, yeah, we've kind of parked that other idea of subdividing because it's not really something that's financially viable at the minute. Yeah. Alright. Yeah. Totally fair. Yes. And as we stabilize and with the investment property, equity comes the growth opportunity is there for Yes. you to be able to borrow against an investment property and purchase your own property on the Gold Coast or otherwise. So it is still there. It's just right now, maybe we explore other avenues to build that wealth. Yes. Yeah. No. I'm happy to do that. Perfect. Alright. So if that's the case, what I will do, and as much as I love talking to you guys, I have been at work for, like, fourteen hours. So if you're okay for me to package up the documents, and I'll send them to you tomorrow via, like, it's called OdooSign, but it'll come through sort of in a very similar format. Don't be surprised if it does go to your junk folder, Yes. but I'll Okay. send you a separate email saying, hey. I've sent the documents. Keep your eye out. Yeah. No. That's why I I'm not do so need far. to I do need to post a few of them, which we'll do during sort of like that like, after you sign the implementation process. And that'll just be, like, the investment swaps, the Adam's account, the beneficiary nomination forms, the all the new funds and everything will happen. Now second to that is both of your insurance applications will need to go through. We can book it in now, or I can just give you the time, and my team will reach out to you after you've signed all the documents, and they'll schedule in a time. You don't have to do the insurance Okay. applications together.","start_word":9140,"end_word":9562,"sentiment":"neutral","sentiment_score":0.05328530902769549},{"text":"Honestly, they're painful, and you probably don't wanna do them together.","start_word":9563,"end_word":9573,"sentiment":"negative","sentiment_score":-0.3505845367908478},{"text":"So it's just dependent on time available for you guys. Yeah. Yeah. No. I'm happy to push that later and and do it separately. Then we'll just try and find suitable times. Perfect. But I think majority of them happen when people are driving home from work, just to be honest.","start_word":9574,"end_word":9624,"sentiment":"neutral","sentiment_score":-0.01048482209444046},{"text":"Great time to just talk about yourself.","start_word":9625,"end_word":9631,"sentiment":"positive","sentiment_score":0.4333955943584442},{"text":"So Yes. but, yeah, No. I'll get my team to reach out, and they can schedule that one in. And it'll be Jack. Jack is my insurance guy, so he will, 95% of the time, be the one giving you the call to run through it all. Okay? Okay.","start_word":9632,"end_word":9680,"sentiment":"neutral","sentiment_score":0.08063430339097977},{"text":"Cool. That sounds like a good plan. Perfect.","start_word":9681,"end_word":9688,"sentiment":"positive","sentiment_score":0.5583999156951904},{"text":"Well, I'll I'll package up the documents and send them to you tomorrow. It'll be the exact pay document you're seeing here just plus the application Yeah. forms and stuff like that. I just have to merge them all into one and send them. And the new sign process is only brand new. We've implemented, like, two weeks ago. I'm still wrapping my head around how to use it. So Okay. No. That's okay. so I will get them to you, yeah, tomorrow morning, and we'll go from Yeah. there. If there are any alterations or comments you wanna make, there is a nice big section that'll have basically a text box available from, like, the second to last page that you can type in. If there's nothing that you need to comment on, so no alterations, you don't decline any of the advice, anything like that, you just leave it blank. And it Okay. means that I will and my team will implement everything that I've detailed in the document. Okay.","start_word":9689,"end_word":9860,"sentiment":"neutral","sentiment_score":0.10467628125361232},{"text":"Cool. Thank you. Thank you for this advice and your time today.","start_word":9861,"end_word":9872,"sentiment":"positive","sentiment_score":0.692236065864563},{"text":"I know it's a late call, so apologies for that. No. I was just Honestly, I trying was probably to gonna get off be here guard. anyway. No. No. Honestly, this is like, I'm going home at seven. This is a pretty early night for me, so it's not too bad. Oh, gosh. Yes. No.","start_word":9873,"end_word":9927,"sentiment":"neutral","sentiment_score":-0.08657790720462799},{"text":"So it's absolutely fine. So you guys go and you enjoy your night, and I'll get the documents through to you tomorrow. And my team will reach out to you probably next week to start getting everything rolling. Alright. Thank you so much for your time, and we really appreciate the advice. I'll keep an eye out for for your email and and those documents. Perfect. Thanks, guys. Have a good one. Thank you. See you later.","start_word":9928,"end_word":10004,"sentiment":"positive","sentiment_score":0.6389418244361877},{"text":"Bye. Bye.","start_word":10005,"end_word":10006,"sentiment":"neutral","sentiment_score":0.261970192193985}],"average":{"sentiment":"neutral","sentiment_score":0.07676855525272211}}}}