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The the call software just kind of closed on me as you answered, I do apologize for that. Perfect. So I have sent you two emails there. Do you mind if I go through just a quick security check with you and and kind of go through them with you? Do you have a minute? Perfect. So I'm registered with Asica's adviser 1 273105. Can I please just confirm your date of birth and address? Mhmm. Perfect. And are you okay for the call to be recorded as always? Amazing, Hailey. How's your day going? Fair enough. Fair enough. The two emails that I've sent through to you, they've gone through to your bhclear15@hotmail.com. Perfect. So the first one I need to go through with you is the the sign request. We don't have to sign anything straight away. It's just to show you the advice document. Yeah. If you can open that one and when you hit the purple button, it'll actually bring open the document to view with me, and it's essentially got, like, a Gold Coast beachfront city picture on it. Yeah. Yeah. That won't touch anything. It'll just open the document up. Perfect. Perfect. So what we're going over today is obviously with the consent orders and everything. Veronica and I put together the investments for the kids in terms of those investment bonds and things like that and the portfolios for them. So, basically, I need to just run through what we're recommending and why, make sure you're comfortable for it, and then just go through a few different pros and cons that you need to be aware of as well if that's okay. Perfect. Now a little bit different than most statements of advice. So this one is to do, obviously, with that joint investment account. So it includes both yourself and Ben, and it does include Veronica and myself as the two advisers that put this together. Perfect. Now if you scroll down through, you will see a scope of advice on page three, and it's a bit of a blue heading there. It says scope of advice considered. So everything else has pretty much been discounted from this. It is solely just about the account. So it's not factoring in anything personal for you guys in terms of super retirement cash flow, just around the one account. Perfect. If you go down past there, you'll see a limited advice warning just reiterating that. The current investment balance, that was just based on the day that the the research and the documents put together. Perfect. If you scroll on through so you can see a risk profile section after that saying growth. So with these child investments, they need to be in place for at least ten years in order to get that kind of tax benefit for the kits. So if it's in place for at least ten years, it can transfer to them sort of tax paid, and there'll be no consequences when they receive it. And that basically means that for a growth investment, we can go up to that kind of 80% in growth assets, like shares, property, and gold. Try and get those higher returns for that to grow in the background, which you need at least eight years for that. Perfect. Amazing. If you scroll down through there yeah. It's actually a part of the the consent order itself is that both of you guys have to essentially sign off on the closure of the account and anything necessary to set it up in trust for the kids for the new structure. No. No. No. No. So the way it's Perfect. No. No. Thank you. Yeah. Yeah. Well, this does this does reiterate that as well that in order for it to line up with the consent order, it needs to be basically closed and put into these investments and all the stipulations around that. No problem. Perfect. Perfect. So the only other things in there so it goes through the instructions on how that's gonna go. And just so that you're aware, it'll get sold down. It'll get moved to one of his accounts. He has to then put it into the account under each child's name and set essentially like a like an anniversary date for when it will transfer to them, which would be, you know, eighteen, ten years, all the way up to the age of 25. So that would be put in there at the starting point as well. They can be obviously contributions put into it. Investments can change, but we have recommended a portfolio that we have built custom for this purpose. Perfect. So all of those are in there in terms of pros and cons and projections and things like that. Hopefully, there'll be a combined balance of about $250,000 by the endpoint in ten years' time, so that should hopefully be very good for them. Absolutely. And that does include for each of them as well. $2.50 each would be beautiful, I think. Cool. Now there is one thing I do need to make you aware of as well, which the consent order was a bit unfortunately, lawyers aren't the most financially savvy, and they don't probably take into account everything. Can you flick over to that second email for me? I'll just show you a couple little things, and then I can pretty much let you go. Yeah. Yep. And it's just like a forest mountain picture with an appendix on it. Yeah. And if you go past that point, it'll just include your personal details in there that, obviously, this is based on. If you keep going through those pages, you'll see so the about you section, the risk profile, important information, a lot a lot of text, links to the investments after that. We have a capital gains tax calculation for you guys. Yeah. Correct. So what's yeah. And the funny thing about that consent order is it doesn't include being able to use the sale of the funds to pay that, which would have been nice. Okay. Cool. Fair enough. So I think I've estimated it just under 800. That'll impact the tax return by cool. Yeah. So that's what I'm I'm expecting is so if it gets sold now in this financial year, when it comes time for tax time next July onwards, then it'll be input into that return, and then it'll factor into that one. So it won't really impact you for a good eleven months or so. Okay. Perfect. I did say at the beginning of this that I would try and make sure I I considered what would impact you on it. I'm very happy and glad that we've got it going in the right direction for the kids and in a really good product, to be honest. It's the perfect place for them. I can run. Yep. No. Fair enough. No. This one's a lot more. Yeah. And the other thing too is there is obviously wanted in the right names and the right structures and entities and everything. So if anything ever goes wrong, not that it is gonna go wrong, the kids do have recourse if they have to, but it is set there for them. So it should be fine. Awesome. Do you have any questions for me? Yeah. And then pretty much once it comes back from both parties, we'll get it moving for the sale and the movement, and then we have an implementation process to make sure that all the steps are followed, one, two, three, four, five at the back of that document. Yeah. You'd have to go to Ben to check what's going on with the accounts for that one. Cool. Easy done. And is there anything else that you need from me between now and our next catch up for Christmas time? Easy done. Well, I've got it penciled in. So around the end of October, early November, team will reach out and get you booked in with me, and then we can go through a few ideas. You too, Harvey. Thank you so much for your time. 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Hailey. It's Tommy here from Oakview. How are you doing? Yeah. That's quite strange.\n\nI think that was my end. The the call software just kind of closed on me as you answered, I do apologize for that. Perfect. So I have sent you two emails there. Do you mind if I go through just a quick security check with you and and kind of go through them with you?\n\nDo you have a minute? Perfect. So I'm registered with Asica's adviser 1 273105. Can I please just confirm your date of birth and address? Mhmm.\n\nPerfect. And are you okay for the call to be recorded as always? Amazing, Hailey. How's your day going? Fair enough.\n\nFair enough. The two emails that I've sent through to you, they've gone through to your bhclear15@hotmail.com. Perfect. So the first one I need to go through with you is the the sign request. We don't have to sign anything straight away.\n\nIt's just to show you the advice document. Yeah. If you can open that one and when you hit the purple button, it'll actually bring open the document to view with me, and it's essentially got, like, a Gold Coast beachfront city picture on it. Yeah. Yeah.\n\nThat won't touch anything. It'll just open the document up. Perfect. Perfect. So what we're going over today is obviously with the consent orders and everything.\n\nVeronica and I put together the investments for the kids in terms of those investment bonds and things like that and the portfolios for them. So, basically, I need to just run through what we're recommending and why, make sure you're comfortable for it, and then just go through a few different pros and cons that you need to be aware of as well if that's okay. Perfect. Now a little bit different than most statements of advice. So this one is to do, obviously, with that joint investment account.\n\nSo it includes both yourself and Ben, and it does include Veronica and myself as the two advisers that put this together. Perfect. Now if you scroll down through, you will see a scope of advice on page three, and it's a bit of a blue heading there. It says scope of advice considered. So everything else has pretty much been discounted from this.\n\nIt is solely just about the account. So it's not factoring in anything personal for you guys in terms of super retirement cash flow, just around the one account. Perfect. If you go down past there, you'll see a limited advice warning just reiterating that. The current investment balance, that was just based on the day that the the research and the documents put together.\n\nPerfect. If you scroll on through so you can see a risk profile section after that saying growth. So with these child investments, they need to be in place for at least ten years in order to get that kind of tax benefit for the kits. So if it's in place for at least ten years, it can transfer to them sort of tax paid, and there'll be no consequences when they receive it. And that basically means that for a growth investment, we can go up to that kind of 80% in growth assets, like shares, property, and gold.\n\nTry and get those higher returns for that to grow in the background, which you need at least eight years for that. Perfect. Amazing. If you scroll down through there yeah. It's actually a part of the the consent order itself is that both of you guys have to essentially sign off on the closure of the account and anything necessary to set it up in trust for the kids for the new structure.\n\nNo. No. No. No. So the way it's Perfect.\n\nNo. No. Thank you. Yeah. Yeah.\n\nWell, this does this does reiterate that as well that in order for it to line up with the consent order, it needs to be basically closed and put into these investments and all the stipulations around that. No problem. Perfect. Perfect. So the only other things in there so it goes through the instructions on how that's gonna go.\n\nAnd just so that you're aware, it'll get sold down. It'll get moved to one of his accounts. He has to then put it into the account under each child's name and set essentially like a like an anniversary date for when it will transfer to them, which would be, you know, eighteen, ten years, all the way up to the age of 25. So that would be put in there at the starting point as well. They can be obviously contributions put into it.\n\nInvestments can change, but we have recommended a portfolio that we have built custom for this purpose. Perfect. So all of those are in there in terms of pros and cons and projections and things like that. Hopefully, there'll be a combined balance of about $250,000 by the endpoint in ten years' time, so that should hopefully be very good for them. Absolutely.\n\nAnd that does include for each of them as well. $2.50 each would be beautiful, I think. Cool. Now there is one thing I do need to make you aware of as well, which the consent order was a bit unfortunately, lawyers aren't the most financially savvy, and they don't probably take into account everything. Can you flick over to that second email for me?\n\nI'll just show you a couple little things, and then I can pretty much let you go. Yeah. Yep. And it's just like a forest mountain picture with an appendix on it. Yeah.\n\nAnd if you go past that point, it'll just include your personal details in there that, obviously, this is based on. If you keep going through those pages, you'll see so the about you section, the risk profile, important information, a lot a lot of text, links to the investments after that. We have a capital gains tax calculation for you guys. Yeah. Correct.\n\nSo what's yeah. And the funny thing about that consent order is it doesn't include being able to use the sale of the funds to pay that, which would have been nice. Okay. Cool. Fair enough.\n\nSo I think I've estimated it just under 800. That'll impact the tax return by cool. Yeah. So that's what I'm I'm expecting is so if it gets sold now in this financial year, when it comes time for tax time next July onwards, then it'll be input into that return, and then it'll factor into that one. So it won't really impact you for a good eleven months or so.\n\nOkay. Perfect. I did say at the beginning of this that I would try and make sure I I considered what would impact you on it. I'm very happy and glad that we've got it going in the right direction for the kids and in a really good product, to be honest. It's the perfect place for them.\n\nI can run. Yep. No. Fair enough. No.\n\nThis one's a lot more. Yeah. And the other thing too is there is obviously wanted in the right names and the right structures and entities and everything. So if anything ever goes wrong, not that it is gonna go wrong, the kids do have recourse if they have to, but it is set there for them. So it should be fine.\n\nAwesome. Do you have any questions for me? Yeah. And then pretty much once it comes back from both parties, we'll get it moving for the sale and the movement, and then we have an implementation process to make sure that all the steps are followed, one, two, three, four, five at the back of that document. Yeah.\n\nYou'd have to go to Ben to check what's going on with the accounts for that one. Cool. Easy done. And is there anything else that you need from me between now and our next catch up for Christmas time? Easy done.\n\nWell, I've got it penciled in. So around the end of October, early November, team will reach out and get you booked in with me, and then we can go through a few ideas. You too, Harvey. Thank you so much for your time. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Hailey.","start":3.1999998,"end":3.84,"sentiment":"neutral","sentiment_score":0.08483529835939407},{"text":"It's Tommy here from Oakview.","start":3.84,"end":5.2,"sentiment":"neutral","sentiment_score":0.10612364858388901},{"text":"How are you doing?","start":5.2,"end":6.1,"sentiment":"neutral","sentiment_score":0.22306648641824722},{"text":"Yeah.","start":10.08,"end":10.4,"sentiment":"neutral","sentiment_score":-0.09171635657548904},{"text":"That's quite strange.","start":10.4,"end":11.36,"sentiment":"neutral","sentiment_score":-0.28407207131385803}],"sentiment":"neutral","sentiment_score":0.04324148098627726,"num_words":15,"start":3.1999998,"end":11.36},{"sentences":[{"text":"I think that was my end.","start":11.36,"end":12.4,"sentiment":"neutral","sentiment_score":-0.26494020223617554},{"text":"The the call software just kind of closed on me as you answered, I do apologize for that.","start":12.4,"end":17.185001,"sentiment":"neutral","sentiment_score":-0.24296284197933143},{"text":"Perfect.","start":18.685001,"end":19.165,"sentiment":"positive","sentiment_score":0.33451730012893677},{"text":"So I have sent you two emails there.","start":19.165,"end":21.985,"sentiment":"neutral","sentiment_score":0.12400105409324169},{"text":"Do you mind if I go through just a quick security check with you and and kind of go through them with you?","start":22.205,"end":27.885,"sentiment":"neutral","sentiment_score":0.08160754115037296}],"sentiment":"neutral","sentiment_score":-0.049276306959135194,"num_words":56,"start":11.36,"end":27.885},{"sentences":[{"text":"Do you have a minute?","start":27.885,"end":28.71,"sentiment":"neutral","sentiment_score":0.02108657583594322},{"text":"Perfect.","start":31.029999,"end":31.349998,"sentiment":"neutral","sentiment_score":0.27022048830986023},{"text":"So I'm registered with Asica's adviser 1 273105.","start":31.349998,"end":36.23,"sentiment":"neutral","sentiment_score":0.12893184088170528},{"text":"Can I please just confirm your date of birth and address?","start":36.23,"end":38.89,"sentiment":"neutral","sentiment_score":0.08422625132582405},{"text":"Mhmm.","start":42.71,"end":43.065,"sentiment":"neutral","sentiment_score":0.03181806206703186}],"sentiment":"neutral","sentiment_score":0.09097749696901211,"num_words":26,"start":27.885,"end":43.065},{"sentences":[{"text":"Perfect.","start":45.545,"end":46.024998,"sentiment":"neutral","sentiment_score":0.2398047149181366},{"text":"And are you okay for the call to be recorded as always?","start":46.024998,"end":48.524998,"sentiment":"neutral","sentiment_score":0.11738978636761506},{"text":"Amazing, Hailey.","start":50.265,"end":50.984997,"sentiment":"positive","sentiment_score":0.5603521764278412},{"text":"How's your day going?","start":50.984997,"end":52.045,"sentiment":"positive","sentiment_score":0.37608372420072556},{"text":"Fair enough.","start":56.905,"end":57.545,"sentiment":"neutral","sentiment_score":0.17113807052373886}],"sentiment":"neutral","sentiment_score":0.2197998829540752,"num_words":21,"start":45.545,"end":57.545},{"sentences":[{"text":"Fair enough.","start":57.545,"end":58.26,"sentiment":"neutral","sentiment_score":0.1311168260872364},{"text":"The two emails that I've sent through to you, they've gone through to your bhclear15@hotmail.com.","start":59.059998,"end":66.04,"sentiment":"neutral","sentiment_score":0.06145505607128143},{"text":"Perfect.","start":67.939995,"end":68.439995,"sentiment":"neutral","sentiment_score":0.2312120944261551},{"text":"So the first one I need to go through with you is the the sign request.","start":68.58,"end":72.405,"sentiment":"neutral","sentiment_score":0.06443850439973176},{"text":"We don't have to sign anything straight away.","start":72.965,"end":74.645,"sentiment":"neutral","sentiment_score":0.016216523014009}],"sentiment":"neutral","sentiment_score":0.061333805766134036,"num_words":42,"start":57.545,"end":74.645},{"sentences":[{"text":"It's just to show you the advice document.","start":74.645,"end":76.665,"sentiment":"neutral","sentiment_score":0.022956110420636833},{"text":"Yeah.","start":79.525,"end":79.924995,"sentiment":"neutral","sentiment_score":0.03753013536334038},{"text":"If you can open that one and when you hit the purple button, it'll actually bring open the document to view with me, and it's essentially got, like, a Gold Coast beachfront city picture on it.","start":79.924995,"end":89.95,"sentiment":"neutral","sentiment_score":0.0684152605632941},{"text":"Yeah.","start":103.305,"end":103.545,"sentiment":"neutral","sentiment_score":0.03991669416427612},{"text":"Yeah.","start":103.545,"end":103.785,"sentiment":"neutral","sentiment_score":0.04483066499233246}],"sentiment":"neutral","sentiment_score":0.058912250173694274,"num_words":47,"start":74.645,"end":103.785},{"sentences":[{"text":"That won't touch anything.","start":103.785,"end":104.905,"sentiment":"neutral","sentiment_score":0.03088387753814459},{"text":"It'll just open the document up.","start":104.905,"end":106.765,"sentiment":"neutral","sentiment_score":0.04890809953212738},{"text":"Perfect.","start":113.41,"end":113.73,"sentiment":"positive","sentiment_score":0.784597635269165},{"text":"Perfect.","start":113.73,"end":114.21,"sentiment":"positive","sentiment_score":0.7429955005645752},{"text":"So what we're going over today is obviously with the consent orders and everything.","start":114.21,"end":118.37,"sentiment":"neutral","sentiment_score":0.20920409262180328}],"sentiment":"neutral","sentiment_score":0.1874397899955511,"num_words":26,"start":103.785,"end":118.37},{"sentences":[{"text":"Veronica and I put together the investments for the kids in terms of those investment bonds and things like that and the portfolios for them.","start":118.37,"end":126.795,"sentiment":"neutral","sentiment_score":0.13261497795581817},{"text":"So, basically, I need to just run through what we're recommending and why, make sure you're comfortable for it, and then just go through a few different pros and cons that you need to be aware of as well if that's okay.","start":127.034996,"end":139.135,"sentiment":"neutral","sentiment_score":0.0815598667554912},{"text":"Perfect.","start":141.19499,"end":141.675,"sentiment":"positive","sentiment_score":0.6340733766555786},{"text":"Now a little bit different than most statements of advice.","start":141.675,"end":144.40001,"sentiment":"neutral","sentiment_score":0.08565250001847743},{"text":"So this one is to do, obviously, with that joint investment account.","start":144.40001,"end":147.84,"sentiment":"neutral","sentiment_score":0.09834182821214199}],"sentiment":"neutral","sentiment_score":0.1045732129779127,"num_words":90,"start":118.37,"end":147.84},{"sentences":[{"text":"So it includes both yourself and Ben, and it does include Veronica and myself as the two advisers that put this together.","start":147.84,"end":156.91501,"sentiment":"neutral","sentiment_score":0.09482706050303849},{"text":"Perfect.","start":158.575,"end":159.05501,"sentiment":"positive","sentiment_score":0.43588709831237793},{"text":"Now if you scroll down through, you will see a scope of advice on page three, and it's a bit of a blue heading there.","start":159.05501,"end":165.935,"sentiment":"neutral","sentiment_score":0.10826115399599075},{"text":"It says scope of advice considered.","start":165.935,"end":167.715,"sentiment":"neutral","sentiment_score":0.07853839794794719},{"text":"So everything else has pretty much been discounted from this.","start":168.575,"end":172.01001,"sentiment":"neutral","sentiment_score":0.17926062792539596}],"sentiment":"neutral","sentiment_score":0.11706949915969744,"num_words":64,"start":147.84,"end":172.01001},{"sentences":[{"text":"It is solely just about the account.","start":172.01001,"end":174.11,"sentiment":"neutral","sentiment_score":0.08585915714502335},{"text":"So it's not factoring in anything personal for you guys in terms of super retirement cash flow, just around the one account.","start":174.17,"end":182.03,"sentiment":"neutral","sentiment_score":0.06506111498244783},{"text":"Perfect.","start":183.61,"end":184.11,"sentiment":"positive","sentiment_score":0.40499234199523926},{"text":"If you go down past there, you'll see a limited advice warning just reiterating that.","start":185.28499,"end":189.78499,"sentiment":"neutral","sentiment_score":-0.05043473802506924},{"text":"The current investment balance, that was just based on the day that the the research and the documents put together.","start":190.485,"end":197.625,"sentiment":"neutral","sentiment_score":0.033425379730761054}],"sentiment":"neutral","sentiment_score":0.036143653782514426,"num_words":65,"start":172.01001,"end":197.625},{"sentences":[{"text":"Perfect.","start":197.845,"end":198.345,"sentiment":"positive","sentiment_score":0.34468013048171997},{"text":"If you scroll on through so you can see a risk profile section after that saying growth.","start":199.09999,"end":204.23999,"sentiment":"neutral","sentiment_score":0.04366378705291187},{"text":"So with these child investments, they need to be in place for at least ten years in order to get that kind of tax benefit for the kits.","start":205.73999,"end":214.185,"sentiment":"neutral","sentiment_score":0.08033734826104981},{"text":"So if it's in place for at least ten years, it can transfer to them sort of tax paid, and there'll be no consequences when they receive it.","start":214.58499,"end":222.845,"sentiment":"neutral","sentiment_score":0.20824444905987807},{"text":"And that basically means that for a growth investment, we can go up to that kind of 80% in growth assets, like shares, property, and gold.","start":223.625,"end":232.79001,"sentiment":"neutral","sentiment_score":0.07449144325577296}],"sentiment":"neutral","sentiment_score":0.11104032360017299,"num_words":100,"start":197.845,"end":232.79001},{"sentences":[{"text":"Try and get those higher returns for that to grow in the background, which you need at least eight years for that.","start":232.79001,"end":239.13,"sentiment":"neutral","sentiment_score":0.08180323581803929},{"text":"Perfect.","start":240.63,"end":241.13,"sentiment":"positive","sentiment_score":0.7163340449333191},{"text":"Amazing.","start":241.83,"end":242.33,"sentiment":"positive","sentiment_score":0.6915661692619324},{"text":"If you scroll down through there yeah.","start":242.39,"end":248.395,"sentiment":"neutral","sentiment_score":0.09696728988949742},{"text":"It's actually a part of the the consent order itself is that both of you guys have to essentially sign off on the closure of the account and anything necessary to set it up in trust for the kids for the new structure.","start":248.395,"end":262.5,"sentiment":"neutral","sentiment_score":0.05725523595546567}],"sentiment":"neutral","sentiment_score":0.08578807537167056,"num_words":74,"start":232.79001,"end":262.5},{"sentences":[{"text":"No.","start":269.12,"end":269.44,"sentiment":"neutral","sentiment_score":-0.13435548543930054},{"text":"No.","start":269.44,"end":269.68002,"sentiment":"neutral","sentiment_score":-0.13732096552848816},{"text":"No.","start":269.68002,"end":269.84,"sentiment":"neutral","sentiment_score":-0.14611965417861938},{"text":"No.","start":269.84,"end":270.24002,"sentiment":"neutral","sentiment_score":-0.1794041097164154},{"text":"So the way it's Perfect.","start":270.24002,"end":279.195,"sentiment":"neutral","sentiment_score":-0.09198571853339672}],"sentiment":"neutral","sentiment_score":-0.11745875639220078,"num_words":9,"start":269.12,"end":279.195},{"sentences":[{"text":"No.","start":279.195,"end":279.695,"sentiment":"neutral","sentiment_score":-0.1826898753643036},{"text":"No.","start":283.355,"end":283.74,"sentiment":"neutral","sentiment_score":-0.060195233672857285},{"text":"Thank you.","start":286.69998,"end":287.44,"sentiment":"neutral","sentiment_score":0.32030610740184784},{"text":"Yeah.","start":291.66,"end":292.16,"sentiment":"neutral","sentiment_score":-0.04176090657711029},{"text":"Yeah.","start":301.67502,"end":301.995,"sentiment":"neutral","sentiment_score":0.0030340226367115974}],"sentiment":"neutral","sentiment_score":0.059833370304356016,"num_words":6,"start":279.195,"end":301.995},{"sentences":[{"text":"Well, this does this does reiterate that as well that in order for it to line up with the consent order, it needs to be basically closed and put into these investments and all the stipulations around that.","start":301.995,"end":315.03,"sentiment":"neutral","sentiment_score":-0.015635360816591663},{"text":"No problem.","start":319.72998,"end":320.28998,"sentiment":"neutral","sentiment_score":0.2813667058944702},{"text":"Perfect.","start":320.28998,"end":320.69,"sentiment":"positive","sentiment_score":0.43762457370758057},{"text":"Perfect.","start":320.69,"end":321.16998,"sentiment":"positive","sentiment_score":0.3370067775249481},{"text":"So the only other things in there so it goes through the instructions on how that's gonna go.","start":321.16998,"end":325.995,"sentiment":"neutral","sentiment_score":0.10776138864457607}],"sentiment":"neutral","sentiment_score":0.04471543412655592,"num_words":60,"start":301.995,"end":325.995},{"sentences":[{"text":"And just so that you're aware, it'll get sold down.","start":326.475,"end":329.195,"sentiment":"neutral","sentiment_score":-0.0523072013631463},{"text":"It'll get moved to one of his accounts.","start":329.195,"end":331.435,"sentiment":"neutral","sentiment_score":-0.06358478078618646},{"text":"He has to then put it into the account under each child's name and set essentially like a like an anniversary date for when it will transfer to them, which would be, you know, eighteen, ten years, all the way up to the age of 25.","start":331.435,"end":346.02002,"sentiment":"neutral","sentiment_score":0.03150166878881662},{"text":"So that would be put in there at the starting point as well.","start":346.02002,"end":350.04,"sentiment":"neutral","sentiment_score":0.04978276187410721},{"text":"They can be obviously contributions put into it.","start":352.32498,"end":354.725,"sentiment":"neutral","sentiment_score":0.036499568028375506}],"sentiment":"neutral","sentiment_score":0.015958811211235383,"num_words":85,"start":326.475,"end":354.725},{"sentences":[{"text":"Investments can change, but we have recommended a portfolio that we have built custom for this purpose.","start":354.725,"end":360.985,"sentiment":"neutral","sentiment_score":0.05500597276670091},{"text":"Perfect.","start":362.965,"end":363.465,"sentiment":"positive","sentiment_score":0.4368227124214173},{"text":"So all of those are in there in terms of pros and cons and projections and things like that.","start":364.96,"end":369.30002,"sentiment":"neutral","sentiment_score":0.17823834874128042},{"text":"Hopefully, there'll be a combined balance of about $250,000 by the endpoint in ten years' time, so that should hopefully be very good for them.","start":369.76,"end":378.155,"sentiment":"positive","sentiment_score":0.47406568050384523},{"text":"Absolutely.","start":383.73502,"end":384.23502,"sentiment":"positive","sentiment_score":0.3729994297027588}],"sentiment":"neutral","sentiment_score":0.269572925679977,"num_words":63,"start":354.725,"end":384.23502},{"sentences":[{"text":"And that does include for each of them as well.","start":385.015,"end":388.635,"sentiment":"neutral","sentiment_score":0.2163975641131401},{"text":"$2.50 each would be beautiful, I think.","start":388.775,"end":391.54,"sentiment":"positive","sentiment_score":0.4047711193561554},{"text":"Cool.","start":394.72,"end":394.96,"sentiment":"neutral","sentiment_score":0.3066275715827942},{"text":"Now there is one thing I do need to make you aware of as well, which the consent order was a bit unfortunately, lawyers aren't the most financially savvy, and they don't probably take into account everything.","start":394.96,"end":404.02,"sentiment":"neutral","sentiment_score":-0.16769482185308998},{"text":"Can you flick over to that second email for me?","start":405.255,"end":407.415,"sentiment":"neutral","sentiment_score":-0.0055960042402148245}],"sentiment":"neutral","sentiment_score":-0.014717960042449144,"num_words":65,"start":385.015,"end":407.415},{"sentences":[{"text":"I'll just show you a couple little things, and then I can pretty much let you go.","start":407.415,"end":410.95502,"sentiment":"neutral","sentiment_score":-0.030270593898261294},{"text":"Yeah.","start":417.255,"end":417.575,"sentiment":"neutral","sentiment_score":0.00745473662391305},{"text":"Yep.","start":417.575,"end":417.73502,"sentiment":"neutral","sentiment_score":0.009662000462412834},{"text":"And it's just like a forest mountain picture with an appendix on it.","start":417.73502,"end":421.81,"sentiment":"neutral","sentiment_score":0.0074817453546879385},{"text":"Yeah.","start":427.07,"end":427.39,"sentiment":"neutral","sentiment_score":0.004170847125351429}],"sentiment":"neutral","sentiment_score":-0.012001509771146106,"num_words":33,"start":407.415,"end":427.39},{"sentences":[{"text":"And if you go past that point, it'll just include your personal details in there that, obviously, this is based on.","start":427.39,"end":433.725,"sentiment":"neutral","sentiment_score":-0.0034943963324795256},{"text":"If you keep going through those pages, you'll see so the about you section, the risk profile, important information, a lot a lot of text, links to the investments after that.","start":434.445,"end":443.825,"sentiment":"neutral","sentiment_score":-0.00578784137483566},{"text":"We have a capital gains tax calculation for you guys.","start":443.885,"end":447.73,"sentiment":"neutral","sentiment_score":-0.0017719694413244724},{"text":"Yeah.","start":453.47,"end":453.79,"sentiment":"neutral","sentiment_score":0.037862613797187805},{"text":"Correct.","start":453.79,"end":454.29,"sentiment":"neutral","sentiment_score":0.05698104575276375}],"sentiment":"neutral","sentiment_score":-0.002745022507269823,"num_words":64,"start":427.39,"end":454.29},{"sentences":[{"text":"So what's yeah.","start":454.35,"end":461.145,"sentiment":"neutral","sentiment_score":0.023378383368253708},{"text":"And the funny thing about that consent order is it doesn't include being able to use the sale of the funds to pay that, which would have been nice.","start":461.22498,"end":468.845,"sentiment":"neutral","sentiment_score":-0.0378930961777424},{"text":"Okay.","start":468.905,"end":469.405,"sentiment":"neutral","sentiment_score":-0.04341616854071617},{"text":"Cool.","start":475.78497,"end":476.19,"sentiment":"neutral","sentiment_score":0.013894954696297646},{"text":"Fair enough.","start":478.75,"end":479.31,"sentiment":"neutral","sentiment_score":0.066107127815485}],"sentiment":"neutral","sentiment_score":-0.02572421103508936,"num_words":36,"start":454.35,"end":479.31},{"sentences":[{"text":"So I think I've estimated it just under 800.","start":479.31,"end":481.71,"sentiment":"neutral","sentiment_score":0.025194825397597417},{"text":"That'll impact the tax return by cool.","start":481.71,"end":486.46,"sentiment":"neutral","sentiment_score":0.016733355687132904},{"text":"Yeah.","start":493.675,"end":493.995,"sentiment":"neutral","sentiment_score":0.01689554750919342},{"text":"So that's what I'm I'm expecting is so if it gets sold now in this financial year, when it comes time for tax time next July onwards, then it'll be input into that return, and then it'll factor into that one.","start":493.995,"end":508.72998,"sentiment":"neutral","sentiment_score":0.042190690638452044},{"text":"So it won't really impact you for a good eleven months or so.","start":508.72998,"end":512.19,"sentiment":"neutral","sentiment_score":-0.029800167450538047}],"sentiment":"neutral","sentiment_score":0.02398871274953577,"num_words":71,"start":479.31,"end":512.19},{"sentences":[{"text":"Okay.","start":515.05,"end":515.55,"sentiment":"positive","sentiment_score":0.4211835265159607},{"text":"Perfect.","start":516.25,"end":516.75,"sentiment":"positive","sentiment_score":0.4816977381706238},{"text":"I did say at the beginning of this that I would try and make sure I I considered what would impact you on it.","start":517.445,"end":523.065,"sentiment":"neutral","sentiment_score":0.17759913578629494},{"text":"I'm very happy and glad that we've got it going in the right direction for the kids and in a really good product, to be honest.","start":523.125,"end":529.14,"sentiment":"positive","sentiment_score":0.6375325666024134},{"text":"It's the perfect place for them.","start":529.22003,"end":531.0,"sentiment":"neutral","sentiment_score":0.1835488590101401}],"sentiment":"positive","sentiment_score":0.39383448981519403,"num_words":58,"start":515.05,"end":531.0},{"sentences":[{"text":"I can run.","start":537.22003,"end":537.94,"sentiment":"neutral","sentiment_score":0.111000823477904},{"text":"Yep.","start":537.94,"end":538.26,"sentiment":"neutral","sentiment_score":0.021204888820648193},{"text":"No.","start":538.26,"end":538.5,"sentiment":"neutral","sentiment_score":-0.040877606719732285},{"text":"Fair enough.","start":538.5,"end":539.24,"sentiment":"neutral","sentiment_score":-0.013131268322467804},{"text":"No.","start":540.10004,"end":540.34,"sentiment":"neutral","sentiment_score":-0.014313064515590668}],"sentiment":"neutral","sentiment_score":0.034094268921762705,"num_words":8,"start":537.22003,"end":540.34},{"sentences":[{"text":"This one's a lot more.","start":540.34,"end":541.64,"sentiment":"neutral","sentiment_score":0.0759204462170601},{"text":"Yeah.","start":551.435,"end":551.755,"sentiment":"neutral","sentiment_score":0.19107037782669067},{"text":"And the other thing too is there is obviously wanted in the right names and the right structures and entities and everything.","start":551.755,"end":559.81,"sentiment":"neutral","sentiment_score":0.14081780036742036},{"text":"So if anything ever goes wrong, not that it is gonna go wrong, the kids do have recourse if they have to, but it is set there for them.","start":559.81,"end":568.44995,"sentiment":"neutral","sentiment_score":0.13912451626925632},{"text":"So it should be fine.","start":568.44995,"end":569.75,"sentiment":"neutral","sentiment_score":0.1658078595995903}],"sentiment":"neutral","sentiment_score":0.13761797559357458,"num_words":62,"start":540.34,"end":569.75},{"sentences":[{"text":"Awesome.","start":572.13,"end":572.535,"sentiment":"positive","sentiment_score":0.5844151377677917},{"text":"Do you have any questions for me?","start":572.615,"end":574.07495,"sentiment":"neutral","sentiment_score":0.20356578912053788},{"text":"Yeah.","start":580.375,"end":580.69495,"sentiment":"neutral","sentiment_score":0.0746251791715622},{"text":"And then pretty much once it comes back from both parties, we'll get it moving for the sale and the movement, and then we have an implementation process to make sure that all the steps are followed, one, two, three, four, five at the back of that 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done.","start":645.26996,"end":645.82996,"sentiment":"positive","sentiment_score":0.37475869059562683}],"sentiment":"neutral","sentiment_score":0.0620445025020412,"num_words":42,"start":614.33997,"end":645.82996},{"sentences":[{"text":"Well, I've got it penciled in.","start":645.82996,"end":647.02997,"sentiment":"neutral","sentiment_score":0.1744192267457644},{"text":"So around the end of October, early November, team will reach out and get you booked in with me, and then we can go through a few ideas.","start":647.02997,"end":653.715,"sentiment":"neutral","sentiment_score":0.21106573726449693},{"text":"You too, Harvey.","start":658.895,"end":659.695,"sentiment":"positive","sentiment_score":0.5689623554547628},{"text":"Thank you so much for your 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Hello? Hello? I'm good. I can hear you now. I don't know what happened before. No worries. That's okay. Oh, yeah. Yeah. That's fine. Yeah. 11/13/1993 and 20 3 Glenel Street, Waxland. Yeah. That's fine. Yeah. Not too bad. Just just errands. Yep. But it's good. Yep. Yep. That's fine. I've got them here. Yep. Yep. Yeah. Right. Yep. Okay. Do you want me to open it? Yep. So oh, so you still want me so I've gone into it, and then I just do I I press the thing that says sign document? Oh, it'll open it. Great. Okay. Yep. Yep. Yes. Yes. Yes. Yeah. That's fine. Again. Yep. Yep. Yep. Mhmm. Mhmm. Yep. That's fine. Yep. Yeah. That's fine. Yes. Yep. Mhmm. Mhmm. Yeah. Yep. Yep. Mhmm. Yep. Mhmm. Yep. Yep. That's fine. I mean, I assume this is up to Ben anyway. Like, has he just wanted me to be a part of it? Oh, I thought it was just me signing off, and he just gets the cash and does whatever he wants. Oh, well, sorry. I mean, I was just prepared to sign a document saying, sure, he can do whatever he wants today. Sorry. No. Like, seriously, that's what I said at the end of the, oh, you weren't there, actually. You were yes. Congratulations on your baby. Yeah. I was just gonna give it all because it was just too too much. But, okay. That's obviously, I've just read that wrong. I just I was just gonna trust him and hope that he set it up for the kids. But, okay. That's alright. Yep. Yeah. Okay. Yeah. No. That's no problem. All good. Yeah. Yep. Yeah. Yeah. Okay. Yeah. Mhmm. Yep. Mhmm. Yep. Yep. No. That's fine. Hey. Yes. Probably more than a lot of kids. So yep. Yeah. Yep. Yeah. Yep. No. That sounds wonderful. Yep. Not yet. Sorry. Let me let me get to that. Okay. So open the PDF. Oh, that's right. You said yes. Yep. The statement another statement of advice, but just from you. Yep. Yes. Mhmm. Mhmm. Mhmm. Mhmm. Yeah. For like, from as of when it closes roughly? Yeah. Yeah. That's fine. Yeah. No. I we knew. We discussed that. I knew that I was gonna be liable and all that. No. I did mention that, but I thought whatever. You know, sometimes it just gets yep. Yep. It gets too much. So I'm like, whatever. Yep. Yep. Yeah. That's fine. Is that last year's tax? And, obviously, we because we're in a new financial year. Will there be just a little bit for the one that we're in and that'll come out later? Or yep. Yep. Yeah. It's all good. That's all good. Thank you. Yeah. Yeah. No. No. I'm happy. Yeah. Like, this is a bonus for me. I thought Ben was just gonna do whatever. Yep. Yes. I mean, I would have hoped. I trusted him enough to probably do something with the kids, but I'd he act I didn't actually think I would be involved at all, but that's kind of nice. Yep. Yep. Yep. Yeah. No. That's beautiful. Thank you. No. No. I just I just signed this other document. Hey. Is that right? Yep. No worries. And so does that mean once that's up and running in the kid's name, do do I just go to Ben to see if anything has changed? Not that I would really honestly care that much, but or do I get automatic yearly just update or not because it's just in his name? Yep. No. That's fine. Perfect. Wonderful. No. I think that's all. I'll sign that now anyway so that can get done. No. I think it'll it'll be good around Christmas time to just, yep, see where I'm at and what we can do next year. So, yeah, that that should be fine. Yep. Beautiful. Yeah. Wonderful. Thank you so much for that, and you have a good rest of the day. Thanks. 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Hello? Hello? I'm good. I can hear you now.\n\nI don't know what happened before. No worries. That's okay. Oh, yeah. Yeah.\n\nThat's fine. Yeah. 11/13/1993 and 20 3 Glenel Street, Waxland. Yeah. That's fine.\n\nYeah. Not too bad. Just just errands. Yep. But it's good.\n\nYep. Yep. That's fine. I've got them here. Yep.\n\nYep. Yeah. Right. Yep. Okay.\n\nDo you want me to open it? Yep. So oh, so you still want me so I've gone into it, and then I just do I I press the thing that says sign document? Oh, it'll open it. Great.\n\nOkay. Yep. Yep. Yes. Yes.\n\nYes. Yeah. That's fine. Again. Yep.\n\nYep. Yep. Mhmm. Mhmm. Yep.\n\nThat's fine. Yep. Yeah. That's fine. Yes.\n\nYep. Mhmm. Mhmm. Yeah. Yep.\n\nYep. Mhmm. Yep. Mhmm. Yep.\n\nYep. That's fine. I mean, I assume this is up to Ben anyway. Like, has he just wanted me to be a part of it? Oh, I thought it was just me signing off, and he just gets the cash and does whatever he wants.\n\nOh, well, sorry. I mean, I was just prepared to sign a document saying, sure, he can do whatever he wants today. Sorry. No. Like, seriously, that's what I said at the end of the, oh, you weren't there, actually.\n\nYou were yes. Congratulations on your baby. Yeah. I was just gonna give it all because it was just too too much. But, okay.\n\nThat's obviously, I've just read that wrong. I just I was just gonna trust him and hope that he set it up for the kids. But, okay. That's alright. Yep.\n\nYeah. Okay. Yeah. No. That's no problem.\n\nAll good. Yeah. Yep. Yeah. Yeah.\n\nOkay. Yeah. Mhmm. Yep. Mhmm.\n\nYep. Yep. No. That's fine. Hey.\n\nYes. Probably more than a lot of kids. So yep. Yeah. Yep.\n\nYeah. Yep. No. That sounds wonderful. Yep.\n\nNot yet. Sorry. Let me let me get to that. Okay. So open the PDF.\n\nOh, that's right. You said yes. Yep. The statement another statement of advice, but just from you. Yep.\n\nYes. Mhmm. Mhmm. Mhmm. Mhmm.\n\nYeah. For like, from as of when it closes roughly? Yeah. Yeah. That's fine.\n\nYeah. No. I we knew. We discussed that. I knew that I was gonna be liable and all that.\n\nNo. I did mention that, but I thought whatever. You know, sometimes it just gets yep. Yep. It gets too much.\n\nSo I'm like, whatever. Yep. Yep. Yeah. That's fine.\n\nIs that last year's tax? And, obviously, we because we're in a new financial year. Will there be just a little bit for the one that we're in and that'll come out later? Or yep. Yep.\n\nYeah. It's all good. That's all good. Thank you. Yeah.\n\nYeah. No. No. I'm happy. Yeah.\n\nLike, this is a bonus for me. I thought Ben was just gonna do whatever. Yep. Yes. I mean, I would have hoped.\n\nI trusted him enough to probably do something with the kids, but I'd he act I didn't actually think I would be involved at all, but that's kind of nice. Yep. Yep. Yep. Yeah.\n\nNo. That's beautiful. Thank you. No. No.\n\nI just I just signed this other document. Hey. Is that right? Yep. No worries.\n\nAnd so does that mean once that's up and running in the kid's name, do do I just go to Ben to see if anything has changed? Not that I would really honestly care that much, but or do I get automatic yearly just update or not because it's just in his name? Yep. No. That's fine.\n\nPerfect. Wonderful. No. I think that's all. I'll sign that now anyway so that can get done.\n\nNo. I think it'll it'll be good around Christmas time to just, yep, see where I'm at and what we can do next year. So, yeah, that that should be fine. Yep. Beautiful.\n\nYeah. Wonderful. Thank you so much for that, and you have a good rest of the day. Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.76,"end":2.26,"sentiment":"neutral","sentiment_score":0.025405272841453552},{"text":"Hello?","start":4.0,"end":4.5,"sentiment":"neutral","sentiment_score":0.09938890486955644},{"text":"Hello?","start":4.7999997,"end":5.2999997,"sentiment":"neutral","sentiment_score":0.12800167500972748},{"text":"I'm good.","start":6.08,"end":6.64,"sentiment":"positive","sentiment_score":0.45030519366264343},{"text":"I can hear you now.","start":6.64,"end":7.6,"sentiment":"neutral","sentiment_score":0.21267532408237458}],"sentiment":"neutral","sentiment_score":0.2216782860457897,"num_words":10,"start":1.76,"end":7.6},{"sentences":[{"text":"I don't know what happened before.","start":7.6,"end":9.46,"sentiment":"neutral","sentiment_score":-0.12610958392421404},{"text":"No worries.","start":16.245,"end":16.985,"sentiment":"neutral","sentiment_score":-0.10087206959724426},{"text":"That's 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much.","start":475.60498,"end":476.645,"sentiment":"neutral","sentiment_score":0.011991782113909721}],"sentiment":"neutral","sentiment_score":-0.040001184723916505,"num_words":21,"start":468.805,"end":476.645},{"sentences":[{"text":"So I'm like, whatever.","start":476.645,"end":477.625,"sentiment":"neutral","sentiment_score":0.0016663728747516875},{"text":"Yep.","start":477.76498,"end":478.26498,"sentiment":"neutral","sentiment_score":0.0418807677924633},{"text":"Yep.","start":482.68,"end":483.18,"sentiment":"neutral","sentiment_score":0.015313534066081049},{"text":"Yeah.","start":483.8,"end":484.2,"sentiment":"neutral","sentiment_score":0.041487060487270355},{"text":"That's fine.","start":484.2,"end":485.1,"sentiment":"neutral","sentiment_score":0.12064229696989057}],"sentiment":"neutral","sentiment_score":0.03851460530940029,"num_words":9,"start":476.645,"end":485.1},{"sentences":[{"text":"Is that last year's tax?","start":485.4,"end":486.76,"sentiment":"neutral","sentiment_score":0.032839258387684825},{"text":"And, obviously, we because we're in a new financial year.","start":486.76,"end":489.0,"sentiment":"neutral","sentiment_score":0.0025139393284916876},{"text":"Will there be just a little bit for the one that we're in and that'll come out later?","start":489.0,"end":492.76,"sentiment":"neutral","sentiment_score":0.005712470608866877},{"text":"Or yep.","start":492.76,"end":498.575,"sentiment":"neutral","sentiment_score":0.012745927553623915},{"text":"Yep.","start":506.71503,"end":507.09,"sentiment":"neutral","sentiment_score":0.043466001749038696}],"sentiment":"neutral","sentiment_score":0.010031055917756425,"num_words":36,"start":485.4,"end":507.09},{"sentences":[{"text":"Yeah.","start":512.61,"end":513.01,"sentiment":"neutral","sentiment_score":0.2344582676887512},{"text":"It's all good.","start":513.01,"end":513.99,"sentiment":"positive","sentiment_score":0.4667531152566274},{"text":"That's all good.","start":514.52997,"end":515.51,"sentiment":"positive","sentiment_score":0.5607157746950785},{"text":"Thank you.","start":515.65,"end":516.47,"sentiment":"positive","sentiment_score":0.5719031691551208},{"text":"Yeah.","start":523.26495,"end":523.76495,"sentiment":"positive","sentiment_score":0.3945291042327881}],"sentiment":"positive","sentiment_score":0.48552003800868987,"num_words":10,"start":512.61,"end":523.76495},{"sentences":[{"text":"Yeah.","start":529.82495,"end":529.985,"sentiment":"neutral","sentiment_score":0.11651409417390823},{"text":"No.","start":529.985,"end":530.14496,"sentiment":"neutral","sentiment_score":-0.04971424117684364},{"text":"No.","start":530.14496,"end":530.46497,"sentiment":"neutral","sentiment_score":-0.05856230854988098},{"text":"I'm happy.","start":530.46497,"end":531.20496,"sentiment":"neutral","sentiment_score":0.03205510601401328},{"text":"Yeah.","start":531.26495,"end":531.505,"sentiment":"neutral","sentiment_score":0.14644348621368408}],"sentiment":"neutral","sentiment_score":0.03646520711481571,"num_words":6,"start":529.82495,"end":531.505},{"sentences":[{"text":"Like, this is a bonus for me.","start":531.505,"end":533.26495,"sentiment":"positive","sentiment_score":0.43769858138901846},{"text":"I thought Ben was just gonna do whatever.","start":533.26495,"end":536.60004,"sentiment":"neutral","sentiment_score":0.1953706182539463},{"text":"Yep.","start":536.82,"end":537.32,"sentiment":"neutral","sentiment_score":0.13608434796333313},{"text":"Yes.","start":538.98004,"end":539.48004,"sentiment":"neutral","sentiment_score":-0.02005423977971077},{"text":"I mean, I would have hoped.","start":540.26,"end":541.54004,"sentiment":"neutral","sentiment_score":0.09036614807943504}],"sentiment":"neutral","sentiment_score":0.22978617445282315,"num_words":23,"start":531.505,"end":541.54004},{"sentences":[{"text":"I trusted him enough to probably do something with the kids, but I'd he act I didn't actually think I would be involved at all, but that's kind of nice.","start":541.54004,"end":550.26,"sentiment":"neutral","sentiment_score":0.23895919000109037},{"text":"Yep.","start":550.26,"end":550.76,"sentiment":"neutral","sentiment_score":0.16836896538734436},{"text":"Yep.","start":557.40497,"end":557.90497,"sentiment":"neutral","sentiment_score":0.11706700176000596},{"text":"Yep.","start":568.62,"end":569.12,"sentiment":"neutral","sentiment_score":0.1602521538734436},{"text":"Yeah.","start":569.18,"end":569.68,"sentiment":"neutral","sentiment_score":0.14950138330459595}],"sentiment":"neutral","sentiment_score":0.22835191777523825,"num_words":34,"start":541.54004,"end":569.68},{"sentences":[{"text":"No.","start":569.81995,"end":569.98,"sentiment":"positive","sentiment_score":0.3362707495689392},{"text":"That's beautiful.","start":569.98,"end":570.88,"sentiment":"positive","sentiment_score":0.6507940590381622},{"text":"Thank you.","start":571.1,"end":571.83997,"sentiment":"positive","sentiment_score":0.6999847888946533},{"text":"No.","start":575.675,"end":576.175,"sentiment":"neutral","sentiment_score":0.007079588249325752},{"text":"No.","start":576.475,"end":576.875,"sentiment":"neutral","sentiment_score":0.009221287444233894}],"sentiment":"positive","sentiment_score":0.43630418873258997,"num_words":7,"start":569.81995,"end":576.875},{"sentences":[{"text":"I just I just signed this other document.","start":576.875,"end":579.21497,"sentiment":"neutral","sentiment_score":0.028074893401935697},{"text":"Hey.","start":579.27496,"end":579.77496,"sentiment":"neutral","sentiment_score":0.07366059720516205},{"text":"Is that right?","start":580.635,"end":581.51495,"sentiment":"neutral","sentiment_score":0.07739455749591191},{"text":"Yep.","start":581.51495,"end":582.01495,"sentiment":"neutral","sentiment_score":0.1275695562362671},{"text":"No worries.","start":594.73,"end":595.45,"sentiment":"neutral","sentiment_score":0.08403129130601883}],"sentiment":"neutral","sentiment_score":0.05507170371711254,"num_words":15,"start":576.875,"end":595.45},{"sentences":[{"text":"And so does that mean once that's up and running in the kid's name, do do I just go to Ben to see if anything has changed?","start":595.45,"end":603.195,"sentiment":"neutral","sentiment_score":0.04817058311568366},{"text":"Not that I would really honestly care that much, but or do I get automatic yearly just update or not because it's just in his name?","start":603.195,"end":613.68,"sentiment":"neutral","sentiment_score":-0.014331327178157292},{"text":"Yep.","start":617.76,"end":618.16,"sentiment":"neutral","sentiment_score":0.031569454818964005},{"text":"No.","start":618.16,"end":618.32,"sentiment":"neutral","sentiment_score":0.04140642285346985},{"text":"That's fine.","start":618.32,"end":619.2,"sentiment":"neutral","sentiment_score":0.12159504368901253}],"sentiment":"neutral","sentiment_score":0.02182731934283909,"num_words":57,"start":595.45,"end":619.2},{"sentences":[{"text":"Perfect.","start":619.2,"end":619.7,"sentiment":"positive","sentiment_score":0.4297321736812592},{"text":"Wonderful.","start":620.72,"end":621.22,"sentiment":"positive","sentiment_score":0.4509618282318115},{"text":"No.","start":621.36,"end":621.6,"sentiment":"neutral","sentiment_score":0.1162768453359604},{"text":"I think that's all.","start":621.6,"end":623.27997,"sentiment":"neutral","sentiment_score":0.10688628815114498},{"text":"I'll sign that now anyway so that can get done.","start":623.27997,"end":630.645,"sentiment":"neutral","sentiment_score":0.16204807981848718}],"sentiment":"neutral","sentiment_score":0.17911745870814605,"num_words":17,"start":619.2,"end":630.645},{"sentences":[{"text":"No.","start":633.905,"end":634.30505,"sentiment":"neutral","sentiment_score":0.02426677942276001},{"text":"I think it'll it'll be good around Christmas time to just, yep, see where I'm at and what we can do next year.","start":634.30505,"end":642.83,"sentiment":"neutral","sentiment_score":0.09189782728967459},{"text":"So, yeah, that that should be fine.","start":642.83,"end":644.69,"sentiment":"neutral","sentiment_score":0.22540958651474544},{"text":"Yep.","start":650.99,"end":651.49,"sentiment":"neutral","sentiment_score":0.15918906033039093},{"text":"Beautiful.","start":652.19,"end":652.69,"sentiment":"neutral","sentiment_score":0.1447720229625702}],"sentiment":"neutral","sentiment_score":0.12181045442368045,"num_words":33,"start":633.905,"end":652.69},{"sentences":[{"text":"Yeah.","start":654.205,"end":654.525,"sentiment":"positive","sentiment_score":0.5502450466156006},{"text":"Wonderful.","start":654.525,"end":655.025,"sentiment":"positive","sentiment_score":0.8470151424407959},{"text":"Thank you so much for that, and you have a good rest of the day.","start":655.085,"end":658.705,"sentiment":"positive","sentiment_score":0.8441959698994954},{"text":"Thanks.","start":661.085,"end":661.585,"sentiment":"positive","sentiment_score":0.7204443216323853},{"text":"Bye.","start":661.72504,"end":662.22504,"sentiment":"positive","sentiment_score":0.4238502979278565}],"sentiment":"positive","sentiment_score":0.8002365451110037,"num_words":19,"start":654.205,"end":662.22504}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Hailey. It's\n\nChannel 1: Hello?\n\nChannel 0: Tommy here from\n\nChannel 1: Hello?\n\nChannel 0: Oakview. How are you doing?\n\nChannel 1: I'm good. I can hear you now. I don't know what happened before.\n\nChannel 0: Yeah. That's quite strange. I think that was my end. The the call software just kind of closed on me as you answered, I do apologize\n\nChannel 1: No worries.\n\nChannel 0: for that.\n\nChannel 1: That's okay.\n\nChannel 0: Perfect. So I have sent you two emails there. Do you mind if I go through just a quick security check with you and and kind of go through them with you? Do you have a minute?\n\nChannel 1: Oh, yeah. Yeah. That's fine.\n\nChannel 0: Perfect. So I'm registered with Asica's adviser 1 273105. Can I please just confirm your date of birth and address?\n\nChannel 1: Yeah. 11/13/1993 and 20\n\nChannel 0: Mhmm.\n\nChannel 1: 3 Glenel Street, Waxland.\n\nChannel 0: Perfect. And are you okay for the call to be recorded as always?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Amazing, Hailey. How's your day going?\n\nChannel 1: Yeah. Not too bad. Just just errands. Yep. But it's good.\n\nChannel 0: Fair enough. Fair enough. The two emails that I've sent through to you, they've gone through to your bhclear15@hotmail.com.\n\nChannel 1: Yep. Yep. That's fine. I've got them here. Yep.\n\nChannel 0: Perfect. So the first one I need to go through with you is the the sign request. We\n\nChannel 1: Yep.\n\nChannel 0: don't have to sign anything straight away. It's just to show\n\nChannel 1: Yeah.\n\nChannel 0: you the advice document.\n\nChannel 1: Right. Yep. Okay. Do you want me to open it?\n\nChannel 0: Yeah. If you can open that one and when you hit the purple button, it'll actually bring open the document to view with me, and it's essentially\n\nChannel 1: Yep.\n\nChannel 0: got, like, a Gold Coast beachfront city picture on it.\n\nChannel 1: So oh, so you still want me so I've gone into it, and then I just do I I press the thing that says sign document?\n\nChannel 0: Yeah. Yeah. That won't touch anything. It'll just open\n\nChannel 1: Oh,\n\nChannel 0: the document\n\nChannel 1: it'll\n\nChannel 0: up.\n\nChannel 1: open it. Great. Okay. Yep. Yep.\n\nChannel 0: Perfect. Perfect. So what we're going over today is obviously with the consent orders and everything. Veronica\n\nChannel 1: Yes.\n\nChannel 0: and I put together the investments for the kids in terms\n\nChannel 1: Yes.\n\nChannel 0: of those investment bonds and things like that and the portfolios for them. So,\n\nChannel 1: Yes.\n\nChannel 0: basically, I need to just run through what we're recommending and why, make sure you're comfortable for it, and then just go through a few different pros and cons that you need to be aware of as well if that's okay.\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Perfect. Now a little bit different than most statements of advice. So this one is to do, obviously, with that joint investment account. So it includes both yourself and Ben, and it does include Veronica and myself as the two advisers that put\n\nChannel 1: Again.\n\nChannel 0: this together.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now if you scroll down through, you will see a scope of advice on page three, and it's a bit of a blue heading there. It says\n\nChannel 1: Yep.\n\nChannel 0: scope of advice considered. So\n\nChannel 1: Yep.\n\nChannel 0: everything else has pretty much been discounted from this. It is solely just about the account. So it's not factoring in anything personal for you guys in terms of super retirement cash flow, just around the one account.\n\nChannel 1: Mhmm. Mhmm. Yep. That's\n\nChannel 0: Perfect.\n\nChannel 1: fine. Yep.\n\nChannel 0: If you go down past there, you'll see a limited advice warning just reiterating that. The current investment balance, that was just based on the day that the the research\n\nChannel 1: Yeah. That's\n\nChannel 0: and the\n\nChannel 1: fine.\n\nChannel 0: documents\n\nChannel 1: Yes.\n\nChannel 0: put together. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: If you scroll on through so you can see a risk profile section after that saying growth.\n\nChannel 1: Mhmm. Mhmm. Yeah.\n\nChannel 0: So with these child investments, they need to be in place for at least ten years in\n\nChannel 1: Yep.\n\nChannel 0: order to get that kind of tax benefit for the kits. So\n\nChannel 1: Yep.\n\nChannel 0: if it's in place for at least ten years, it can transfer to them sort of tax paid, and there'll be no consequences when they receive it.\n\nChannel 1: Mhmm.\n\nChannel 0: And that basically means that for a growth investment, we can go up to that kind of 80% in growth assets, like shares,\n\nChannel 1: Yep.\n\nChannel 0: property, and gold. Try and get those higher returns for that to grow in the background, which\n\nChannel 1: Mhmm.\n\nChannel 0: you need at least eight years for that.\n\nChannel 1: Yep. Yep. That's\n\nChannel 0: Perfect.\n\nChannel 1: fine.\n\nChannel 0: Amazing. If\n\nChannel 1: I\n\nChannel 0: you\n\nChannel 1: mean,\n\nChannel 0: scroll down\n\nChannel 1: I\n\nChannel 0: through\n\nChannel 1: assume this is up to Ben anyway. Like, has he just wanted me to be a part of it?\n\nChannel 0: there yeah. It's actually a part of the the consent order itself is that both of you guys have to essentially sign off on the closure of the account and anything necessary to set it up in trust for the kids for the new structure.\n\nChannel 1: Oh, I thought it was just me signing off, and he just gets the cash and does whatever he wants.\n\nChannel 0: No. No. No. No. So\n\nChannel 1: Oh,\n\nChannel 0: the way\n\nChannel 1: well,\n\nChannel 0: it's\n\nChannel 1: sorry. I mean, I was just prepared to sign a document saying, sure, he can do whatever he wants today. Sorry. No. Like,\n\nChannel 0: Perfect.\n\nChannel 1: seriously,\n\nChannel 0: No.\n\nChannel 1: that's what I said at the end of the, oh, you weren't there, actually. You\n\nChannel 0: No.\n\nChannel 1: were yes. Congratulations on your baby.\n\nChannel 0: Thank you.\n\nChannel 1: Yeah. I was just gonna give it all because it was just too too much. But,\n\nChannel 0: Yeah.\n\nChannel 1: okay. That's obviously, I've just read that wrong. I just I was just gonna trust him and hope that he set it up for the kids. But, okay. That's\n\nChannel 0: Yeah.\n\nChannel 1: alright.\n\nChannel 0: Well, this does this does reiterate that as well that\n\nChannel 1: Yep.\n\nChannel 0: in order for it to line up with the consent order, it needs to be basically closed and put into these investments and all the stipulations around that.\n\nChannel 1: Yeah. Okay. Yeah. No. That's no problem.\n\nAll good.\n\nChannel 0: No problem. Perfect. Perfect. So the only other things in there so it goes through the instructions on how that's gonna go.\n\nChannel 1: Yeah.\n\nChannel 0: And just so that you're aware, it'll get sold down. It'll get moved to one of his accounts. He has to then put it into the account under each child's name\n\nChannel 1: Yep.\n\nChannel 0: and set essentially like a like an anniversary date for when it will transfer to them, which would\n\nChannel 1: Yeah.\n\nChannel 0: be, you know, eighteen, ten years, all the way up to the age of 25. So\n\nChannel 1: Yeah. Okay.\n\nChannel 0: that\n\nChannel 1: Yeah.\n\nChannel 0: would be put in there at the starting point as well.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: They can be obviously contributions put into it. Investments can change, but we have recommended a portfolio that we have built\n\nChannel 1: Mhmm.\n\nChannel 0: custom for this purpose.\n\nChannel 1: Yep.\n\nChannel 0: Perfect.\n\nChannel 1: Yep. No. That's fine.\n\nChannel 0: So all of those are in there in terms of pros and cons and projections and things like that. Hopefully, there'll be a combined balance of about $250,000 by the endpoint in ten years' time, so that should hopefully be very good for them.\n\nChannel 1: Hey. Yes. Probably more than a lot of kids. So yep.\n\nChannel 0: Absolutely. And that does include for each of them as well.\n\nChannel 1: Yeah.\n\nChannel 0: $2.50\n\nChannel 1: Yep.\n\nChannel 0: each would be beautiful,\n\nChannel 1: Yeah.\n\nChannel 0: I think.\n\nChannel 1: Yep. No. That sounds wonderful.\n\nChannel 0: Cool. Now there is one thing I do need to make you aware of as well, which the consent order was a bit unfortunately, lawyers aren't the most financially savvy, and they don't probably take into account everything.\n\nChannel 1: Yep.\n\nChannel 0: Can you flick over to that second email for me? I'll just show you a couple little things,\n\nChannel 1: Not\n\nChannel 0: and then\n\nChannel 1: yet.\n\nChannel 0: I can pretty\n\nChannel 1: Sorry.\n\nChannel 0: much let\n\nChannel 1: Let\n\nChannel 0: you go.\n\nChannel 1: me let me get to that. Okay. So open the PDF.\n\nChannel 0: Yeah. Yep. And it's just like a forest mountain picture with an\n\nChannel 1: Oh, that's\n\nChannel 0: appendix\n\nChannel 1: right.\n\nChannel 0: on\n\nChannel 1: You\n\nChannel 0: it.\n\nChannel 1: said yes. Yep. The statement another statement of advice, but just from you. Yep.\n\nChannel 0: Yeah. And if you go past that point, it'll just include your personal details in there\n\nChannel 1: Yes.\n\nChannel 0: that, obviously, this is based on. If you keep going through those pages, you'll see\n\nChannel 1: Mhmm.\n\nChannel 0: so the about you section, the risk profile, important\n\nChannel 1: Mhmm.\n\nChannel 0: information,\n\nChannel 1: Mhmm.\n\nChannel 0: a lot a lot of text, links to the investments after that.\n\nChannel 1: Mhmm.\n\nChannel 0: We have a capital gains tax calculation for you guys.\n\nChannel 1: Yeah. For like, from as of when it closes roughly?\n\nChannel 0: Yeah. Correct.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: So\n\nChannel 1: That's fine.\n\nChannel 0: what's\n\nChannel 1: Yeah. No. I we knew. We discussed that. I knew that I was gonna be liable and all that.\n\nChannel 0: yeah. And the funny thing about that consent order is it doesn't include being able to use the sale of the funds to pay that, which would have been nice.\n\nChannel 1: No.\n\nChannel 0: Okay.\n\nChannel 1: I did mention that, but I thought whatever. You know, sometimes it just gets yep. Yep. It gets\n\nChannel 0: Cool.\n\nChannel 1: too much. So I'm like, whatever. Yep.\n\nChannel 0: Fair enough. So I think I've estimated it just under 800. That'll impact the\n\nChannel 1: Yep.\n\nChannel 0: tax return by\n\nChannel 1: Yeah. That's fine. Is that last\n\nChannel 0: cool.\n\nChannel 1: year's tax? And, obviously, we because we're in a new financial year. Will there be just a little bit for the one that we're in and that'll come out later? Or\n\nChannel 0: Yeah. So that's what I'm I'm expecting is so if it gets sold now in\n\nChannel 1: yep.\n\nChannel 0: this financial year, when it comes time for tax time next July onwards, then it'll be input into that return, and\n\nChannel 1: Yep.\n\nChannel 0: then it'll factor into that one. So it won't really impact you for a good eleven months or so.\n\nChannel 1: Yeah. It's all good. That's all good.\n\nChannel 0: Okay.\n\nChannel 1: Thank you.\n\nChannel 0: Perfect. I did say at the beginning of this that I would try and make sure I I considered what would impact you on it. I'm\n\nChannel 1: Yeah.\n\nChannel 0: very happy and glad that we've got it going in the right direction for the kids and in a really good product, to be honest. It's the perfect\n\nChannel 1: Yeah. No.\n\nChannel 0: place\n\nChannel 1: No.\n\nChannel 0: for\n\nChannel 1: I'm\n\nChannel 0: them.\n\nChannel 1: happy. Yeah. Like, this is a bonus for me. I thought Ben was just gonna do whatever. Yep.\n\nChannel 0: I can run. Yep. No. Fair enough.\n\nChannel 1: Yes.\n\nChannel 0: No.\n\nChannel 1: I\n\nChannel 0: This\n\nChannel 1: mean,\n\nChannel 0: one's\n\nChannel 1: I would\n\nChannel 0: a lot\n\nChannel 1: have hoped.\n\nChannel 0: more.\n\nChannel 1: I trusted him enough to probably do something with the kids, but I'd he act I didn't actually think I would be involved at all, but that's kind of nice. Yep.\n\nChannel 0: Yeah. And the other thing too is there is obviously wanted in the right names and\n\nChannel 1: Yep.\n\nChannel 0: the right structures and entities and everything. So if anything ever goes wrong, not that it is gonna go wrong, the kids do have recourse if they have to, but it is set there for them. So\n\nChannel 1: Yep.\n\nChannel 0: it should be\n\nChannel 1: Yeah.\n\nChannel 0: fine.\n\nChannel 1: No. That's beautiful. Thank you.\n\nChannel 0: Awesome. Do you have any questions for me?\n\nChannel 1: No. No. I just I just signed this other document. Hey.\n\nChannel 0: Yeah.\n\nChannel 1: Is\n\nChannel 0: And then\n\nChannel 1: that\n\nChannel 0: pretty\n\nChannel 1: right?\n\nChannel 0: much\n\nChannel 1: Yep.\n\nChannel 0: once it comes back from both parties, we'll get it moving for the sale and the movement, and then we have an implementation process to make sure that all the steps are followed, one, two, three, four, five at the back of that document.\n\nChannel 1: No worries. And so does that mean once that's up and running in the kid's name, do do I just go to Ben to see if anything has changed? Not that I would really honestly care that much, but or do I get automatic yearly just update or not because it's just in his name?\n\nChannel 0: Yeah. You'd have to go to Ben to check what's going on with the accounts for that one.\n\nChannel 1: Yep. No. That's fine. Perfect.\n\nChannel 0: Cool.\n\nChannel 1: Wonderful. No. I think that's all. I'll sign that now anyway so\n\nChannel 0: Easy\n\nChannel 1: that can\n\nChannel 0: done.\n\nChannel 1: get\n\nChannel 0: And is there anything else that you need from me between\n\nChannel 1: done.\n\nChannel 0: now and our next catch up for Christmas time?\n\nChannel 1: No. I think it'll it'll be good around Christmas time to just, yep, see where I'm at and what we can do next year. So, yeah, that that should be fine.\n\nChannel 0: Easy done. Well, I've got it penciled in. So around the end of October, early November, team will reach out and get you booked\n\nChannel 1: Yep.\n\nChannel 0: in with me, and then\n\nChannel 1: Beautiful.\n\nChannel 0: we can go through a few ideas.\n\nChannel 1: Yeah. Wonderful. Thank you so much for that, and you have a good rest of the day.\n\nChannel 0: You too, Harvey. Thank you so much for your time.\n\nChannel 1: Thanks. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.76,"end":2.26,"sentiment":"neutral","sentiment_score":0.025405272841453552}],"sentiment":"neutral","sentiment_score":0.025405272841453552,"channel":1,"num_words":1,"start":1.76,"end":2.26},{"sentences":[{"text":"Hi, Hailey.","start":3.1999998,"end":3.84,"sentiment":"neutral","sentiment_score":0.08483529835939407},{"text":"It's","start":3.84,"end":4.16,"sentiment":"neutral","sentiment_score":0.1092638224363327}],"sentiment":"neutral","sentiment_score":0.09297813971837361,"channel":0,"num_words":3,"start":3.1999998,"end":4.16},{"sentences":[{"text":"Hello?","start":4.0,"end":4.5,"sentiment":"neutral","sentiment_score":0.09938890486955644}],"sentiment":"neutral","sentiment_score":0.09938890486955644,"channel":1,"num_words":1,"start":4.0,"end":4.5},{"sentences":[{"text":"Tommy here 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between","start":627.815,"end":630.455,"sentiment":"neutral","sentiment_score":0.07537828284231099}],"sentiment":"neutral","sentiment_score":0.07537828284231099,"channel":0,"num_words":11,"start":627.815,"end":630.455},{"sentences":[{"text":"done.","start":630.145,"end":630.645,"sentiment":"neutral","sentiment_score":0.07042525708675385}],"sentiment":"neutral","sentiment_score":0.07042525708675385,"channel":1,"num_words":1,"start":630.145,"end":630.645},{"sentences":[{"text":"now and our next catch up for Christmas time?","start":630.455,"end":633.435,"sentiment":"neutral","sentiment_score":0.04152600115372075}],"sentiment":"neutral","sentiment_score":0.04152600115372075,"channel":0,"num_words":9,"start":630.455,"end":633.435},{"sentences":[{"text":"No.","start":633.905,"end":634.30505,"sentiment":"neutral","sentiment_score":0.02426677942276001},{"text":"I think it'll it'll be good around Christmas time to just, yep, see where I'm at and what we can do next year.","start":634.30505,"end":642.83,"sentiment":"neutral","sentiment_score":0.09189782728967459},{"text":"So, yeah, that that should be fine.","start":642.83,"end":644.69,"sentiment":"neutral","sentiment_score":0.22540958651474544}],"sentiment":"neutral","sentiment_score":0.1198639971834998,"channel":1,"num_words":31,"start":633.905,"end":644.69},{"sentences":[{"text":"Easy done.","start":645.26996,"end":645.82996,"sentiment":"positive","sentiment_score":0.37475869059562683},{"text":"Well, I've got it penciled in.","start":645.82996,"end":647.02997,"sentiment":"neutral","sentiment_score":0.1744192267457644},{"text":"So around the end of October, early November, team will reach out and get you booked","start":647.02997,"end":651.11,"sentiment":"neutral","sentiment_score":0.16983609087765217}],"sentiment":"neutral","sentiment_score":0.18805875815451145,"channel":0,"num_words":24,"start":645.26996,"end":651.11},{"sentences":[{"text":"Yep.","start":650.99,"end":651.49,"sentiment":"neutral","sentiment_score":0.15918906033039093}],"sentiment":"neutral","sentiment_score":0.15918906033039093,"channel":1,"num_words":1,"start":650.99,"end":651.49},{"sentences":[{"text":"in with me, and then","start":651.11,"end":652.23,"sentiment":"neutral","sentiment_score":0.1808301866054535}],"sentiment":"neutral","sentiment_score":0.1808301866054535,"channel":0,"num_words":5,"start":651.11,"end":652.23},{"sentences":[{"text":"Beautiful.","start":652.19,"end":652.69,"sentiment":"neutral","sentiment_score":0.1447720229625702}],"sentiment":"neutral","sentiment_score":0.1447720229625702,"channel":1,"num_words":1,"start":652.19,"end":652.69},{"sentences":[{"text":"we can go through a few ideas.","start":652.23,"end":653.715,"sentiment":"neutral","sentiment_score":0.32690175090517315}],"sentiment":"neutral","sentiment_score":0.32690175090517315,"channel":0,"num_words":7,"start":652.23,"end":653.715},{"sentences":[{"text":"Yeah.","start":654.205,"end":654.525,"sentiment":"positive","sentiment_score":0.5502450466156006},{"text":"Wonderful.","start":654.525,"end":655.025,"sentiment":"positive","sentiment_score":0.8470151424407959},{"text":"Thank you so much for that, and you have a good rest of the day.","start":655.085,"end":658.705,"sentiment":"positive","sentiment_score":0.8441959698994954}],"sentiment":"positive","sentiment_score":0.8270705727969899,"channel":1,"num_words":17,"start":654.205,"end":658.705},{"sentences":[{"text":"You too, Harvey.","start":658.895,"end":659.695,"sentiment":"positive","sentiment_score":0.5689623554547628},{"text":"Thank you so much for your time.","start":659.695,"end":661.075,"sentiment":"positive","sentiment_score":0.8344753129141671}],"sentiment":"positive","sentiment_score":0.7548214256763458,"channel":0,"num_words":10,"start":658.895,"end":661.075},{"sentences":[{"text":"Thanks.","start":661.085,"end":661.585,"sentiment":"positive","sentiment_score":0.7204443216323853},{"text":"Bye.","start":661.72504,"end":662.22504,"sentiment":"positive","sentiment_score":0.4238502979278565}],"sentiment":"positive","sentiment_score":0.5721473097801208,"channel":1,"num_words":2,"start":661.085,"end":662.22504},{"sentences":[{"text":"Bye.","start":662.255,"end":662.755,"sentiment":"neutral","sentiment_score":-0.08268258720636368}],"sentiment":"neutral","sentiment_score":-0.08268258720636368,"channel":0,"num_words":1,"start":662.255,"end":662.755}]},"summary":{"result":"success","short":"The representative from Oakview called Hailey to discuss her investment account and provided guidance on signing a consent order and setting it up for her children. The account will be closed for ten years to qualify for tax benefits and put into a trust for the customer's children. The speaker also discussed retirement planning for the investment account and provided information on tax returns and a bonus for the children. They set up an implementation process and a follow-up meeting for Christmas time."},"intents":{"segments":[{"text":"So I have sent you two emails there. Do you mind if I go through just a quick security check with you and and kind of go through them with you? Do you have a minute?","start_word":60,"end_word":95,"intents":[{"intent":"Assist callers with documents","confidence_score":0.00017526603}]},{"text":"and I put together the investments for the kids in terms Yes. of those investment bonds and things like that and the portfolios for them.","start_word":338,"end_word":362,"intents":[{"intent":"Consider investments","confidence_score":0.0011607656}]},{"text":"He has to then put it into the account under each child's name Yep. and set essentially like a like an anniversary date for when it will transfer to them, which would Yeah.","start_word":1002,"end_word":1034,"intents":[{"intent":"Set transfer date","confidence_score":0.294764}]},{"text":"They can be obviously contributions put into it. Investments can change, but we have recommended a portfolio that we have built Mhmm. custom for this purpose. Yep.","start_word":1067,"end_word":1093,"intents":[{"intent":"Recommend portfolio","confidence_score":0.6839246}]},{"text":"Hopefully, there'll be a combined balance of about $250,000 by the endpoint in ten years' time, so that should hopefully be very good for them. Hey. Yes.","start_word":1118,"end_word":1144,"intents":[{"intent":"Provide balance","confidence_score":0.08001341}]},{"text":"Now there is one thing I do need to make you aware of as well, which the consent order was a bit unfortunately, lawyers aren't the most financially savvy, and they don't probably take into account everything. Yep.","start_word":1181,"end_word":1218,"intents":[{"intent":"Confirm consent order","confidence_score":0.084461495}]},{"text":"And if you go past that point, it'll just include your personal details in there Yes.","start_word":1295,"end_word":1310,"intents":[{"intent":"Provide personal details","confidence_score":0.108540006}]},{"text":"We have a capital gains tax calculation for you guys.","start_word":1352,"end_word":1361,"intents":[{"intent":"Calculate capital gains tax","confidence_score":0.55461055}]},{"text":"And the funny thing about that consent order is it doesn't include being able to use the sale of the funds to pay that, which would have been nice. No. Okay.","start_word":1400,"end_word":1430,"intents":[{"intent":"Discuss consent order impact","confidence_score":0.003959923}]},{"text":"So I think I've estimated it just under 800. That'll impact the Yep. tax return by Yeah.","start_word":1459,"end_word":1475,"intents":[{"intent":"Determine impact of tax on tax returns","confidence_score":0.00013968884},{"intent":"Consider impact on tax return","confidence_score":0.21506298}]},{"text":"I can run. Yep.","start_word":1660,"end_word":1663,"intents":[{"intent":"Run the enterprise","confidence_score":0.00001554273}]},{"text":"Well, I've got it penciled in. So around the end of October, early November, team will reach out and get you booked Yep. in with me, and then Beautiful.","start_word":1998,"end_word":2026,"intents":[{"intent":"Schedule call","confidence_score":0.029499682}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Hailey. It's Hello? Tommy here from Oakview. Hello? How are you doing?","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.1214100420475006},{"text":"I'm good.","start_word":14,"end_word":15,"sentiment":"positive","sentiment_score":0.4485878646373749},{"text":"I can hear you now. I don't know what happened before. Yeah. That's quite strange. I think that was my end. The the call software just kind of closed on me as you answered, I do apologize No worries. for that. That's okay.","start_word":16,"end_word":58,"sentiment":"neutral","sentiment_score":-0.1367092877626419},{"text":"Perfect.","start_word":59,"end_word":59,"sentiment":"positive","sentiment_score":0.33451730012893677},{"text":"So I have sent you two emails there. Do you mind if I go through just a quick security check with you and and kind of go through them with you? Do you have a minute? Oh, yeah. Yeah. That's fine. Perfect. So I'm registered with Asica's adviser 1 273105. Can I please just confirm your date of birth and address? Yeah. 11/13/1993 and 20 Mhmm. 3 Glenel Street, Waxland. Perfect. And are you okay for the call to be recorded as always? Yeah. That's fine.","start_word":60,"end_word":145,"sentiment":"neutral","sentiment_score":0.09799838811159134},{"text":"Amazing, Hailey. How's your day going?","start_word":146,"end_word":151,"sentiment":"positive","sentiment_score":0.4627625644207001},{"text":"Yeah. Not too bad. Just just errands. Yep. But it's good. Fair enough. Fair enough. The two emails that I've sent through to you, they've gone through to your bhclear15@hotmail.com. Yep. Yep. That's fine. I've got them here. Yep. Perfect. So the first one I need to go through with you is the the sign request. We Yep. don't have to sign anything straight away. It's just to show Yeah. you the advice document. Right. Yep. Okay. Do you want me to open it? Yeah. If you can open that one and when you hit the purple button, it'll actually bring open the document to view with me, and it's essentially Yep. got, like, a Gold Coast beachfront city picture on it. So oh, so you still want me so I've gone into it, and then I just do I I press the thing that says sign document? Yeah. Yeah. That won't touch anything. It'll just open Oh, the document it'll up. open it.","start_word":152,"end_word":315,"sentiment":"neutral","sentiment_score":0.07053694128990173},{"text":"Great.","start_word":316,"end_word":316,"sentiment":"positive","sentiment_score":0.38513296842575073},{"text":"Okay. Yep. Yep.","start_word":317,"end_word":319,"sentiment":"neutral","sentiment_score":0.1634555608034134},{"text":"Perfect. Perfect.","start_word":320,"end_word":321,"sentiment":"positive","sentiment_score":0.7637965679168701},{"text":"So what we're going over today is obviously with the consent orders and everything. Veronica Yes. and I put together the investments for the kids in terms Yes. of those investment bonds and things like that and the portfolios for them. So, Yes. basically, I need to just run through what we're recommending and why, make sure you're comfortable for it, and then just go through a few different pros and cons that you need to be aware of as well if that's okay. Yeah.","start_word":322,"end_word":406,"sentiment":"neutral","sentiment_score":0.12198297679424286},{"text":"That's fine. Perfect.","start_word":407,"end_word":409,"sentiment":"positive","sentiment_score":0.446630984544754},{"text":"Now a little bit different than most statements of advice. So this one is to do, obviously, with that joint investment account. So it includes both yourself and Ben, and it does include Veronica and myself as the two advisers that put Again. this together. Yep.","start_word":410,"end_word":455,"sentiment":"neutral","sentiment_score":0.10131162405014038},{"text":"Perfect.","start_word":456,"end_word":456,"sentiment":"positive","sentiment_score":0.43588709831237793},{"text":"Now if you scroll down through, you will see a scope of advice on page three, and it's a bit of a blue heading there. It says Yep. scope of advice considered. So Yep. everything else has pretty much been discounted from this. It is solely just about the account. So it's not factoring in anything personal for you guys in terms of super retirement cash flow, just around the one account. Mhmm. Mhmm. Yep.","start_word":457,"end_word":531,"sentiment":"neutral","sentiment_score":0.0970492735505104},{"text":"That's Perfect.","start_word":532,"end_word":533,"sentiment":"positive","sentiment_score":0.33770281076431274},{"text":"fine. Yep. If you go down past there, you'll see a limited advice warning just reiterating that. The current investment balance, that was just based on the day that the the research Yeah. That's and the fine. documents Yes. put together.","start_word":534,"end_word":574,"sentiment":"neutral","sentiment_score":0.019276561215519905},{"text":"Perfect.","start_word":575,"end_word":575,"sentiment":"positive","sentiment_score":0.34468013048171997},{"text":"Yep. If you scroll on through so you can see a risk profile section after that saying growth. Mhmm. Mhmm. Yeah. So with these child investments, they need to be in place for at least ten years in Yep. order to get that kind of tax benefit for the kits. So Yep. if it's in place for at least ten years, it can transfer to them sort of tax paid, and there'll be no consequences when they receive it. Mhmm. And that basically means that for a growth investment, we can go up to that kind of 80% in growth assets, like shares, Yep. property, and gold. Try and get those higher returns for that to grow in the background, which Mhmm. you need at least eight years for that. Yep. Yep.","start_word":576,"end_word":707,"sentiment":"neutral","sentiment_score":0.1030757829095378},{"text":"That's Perfect. fine. Amazing.","start_word":708,"end_word":711,"sentiment":"positive","sentiment_score":0.625959575176239},{"text":"If I you mean, scroll down I through assume this is up to Ben anyway. Like, has he just wanted me to be a part of it? there yeah. It's actually a part of the the consent order itself is that both of you guys have to essentially sign off on the closure of the account and anything necessary to set it up in trust for the kids for the new structure. Oh, I thought it was just me signing off, and he just gets the cash and does whatever he wants. No. No. No. No. So Oh, the way well, it's sorry. I mean, I was just prepared to sign a document saying, sure, he can do whatever he wants today. Sorry. No. Like, Perfect. seriously, No. that's what I said at the end of the, oh, you weren't there, actually. You No. were yes.","start_word":712,"end_word":857,"sentiment":"neutral","sentiment_score":-0.027305396273732185},{"text":"Congratulations on your baby.","start_word":858,"end_word":861,"sentiment":"positive","sentiment_score":0.3482862710952759},{"text":"Thank you. Yeah. I was just gonna give it all because it was just too too much. But, Yeah. okay. That's obviously, I've just read that wrong. I just I was just gonna trust him and hope that he set it up for the kids. But, okay. That's Yeah. alright. Well, this does this does reiterate that as well that Yep. in order for it to line up with the consent order, it needs to be basically closed and put into these investments and all the stipulations around that. Yeah. Okay. Yeah. No. That's no problem.","start_word":862,"end_word":957,"sentiment":"neutral","sentiment_score":-0.020331209525465965},{"text":"All good.","start_word":958,"end_word":959,"sentiment":"positive","sentiment_score":0.3557126224040985},{"text":"No problem.","start_word":960,"end_word":961,"sentiment":"neutral","sentiment_score":0.29400405287742615},{"text":"Perfect. Perfect.","start_word":962,"end_word":963,"sentiment":"positive","sentiment_score":0.38731569051742554},{"text":"So the only other things in there so it goes through the instructions on how that's gonna go. Yeah. And just so that you're aware, it'll get sold down. It'll get moved to one of his accounts. He has to then put it into the account under each child's name Yep. and set essentially like a like an anniversary date for when it will transfer to them, which would Yeah. be, you know, eighteen, ten years, all the way up to the age of 25. So Yeah. Okay. that Yeah. would be put in there at the starting point as well. Mhmm. Yep. They can be obviously contributions put into it. Investments can change, but we have recommended a portfolio that we have built Mhmm. custom for this purpose. Yep.","start_word":964,"end_word":1093,"sentiment":"neutral","sentiment_score":0.03545539129811984},{"text":"Perfect.","start_word":1094,"end_word":1094,"sentiment":"positive","sentiment_score":0.4368227124214173},{"text":"Yep. No. That's fine. So all of those are in there in terms of pros and cons and projections and things like that.","start_word":1095,"end_word":1117,"sentiment":"neutral","sentiment_score":0.18709291517734528},{"text":"Hopefully, there'll be a combined balance of about $250,000 by the endpoint in ten years' time, so that should hopefully be very good for them.","start_word":1118,"end_word":1142,"sentiment":"positive","sentiment_score":0.46123006939888},{"text":"Hey. Yes. Probably more than a lot of kids. So yep.","start_word":1143,"end_word":1153,"sentiment":"neutral","sentiment_score":0.201837494969368},{"text":"Absolutely.","start_word":1154,"end_word":1154,"sentiment":"positive","sentiment_score":0.3729994297027588},{"text":"And that does include for each of them as well. Yeah. $2.50 Yep.","start_word":1155,"end_word":1167,"sentiment":"neutral","sentiment_score":0.2251126617193222},{"text":"each would be beautiful, Yeah.","start_word":1168,"end_word":1172,"sentiment":"positive","sentiment_score":0.4533727765083313},{"text":"I think. Yep. No.","start_word":1173,"end_word":1176,"sentiment":"neutral","sentiment_score":0.22873762249946591},{"text":"That sounds wonderful.","start_word":1177,"end_word":1179,"sentiment":"positive","sentiment_score":0.5779829621315002},{"text":"Cool. Now there is one thing I do need to make you aware of as well, which the consent order was a bit unfortunately, lawyers aren't the most financially savvy, and they don't probably take into account everything. Yep. Can you flick over to that second email for me? I'll just show you a couple little things, Not and then yet. I can pretty Sorry. much let Let you go. me let me get to that. Okay. So open the PDF. Yeah. Yep. And it's just like a forest mountain picture with an Oh, that's appendix right. on You it. said yes. Yep. The statement another statement of advice, but just from you. Yep. Yeah. And if you go past that point, it'll just include your personal details in there Yes. that, obviously, this is based on. If you keep going through those pages, you'll see Mhmm. so the about you section, the risk profile, important Mhmm. information, Mhmm. a lot a lot of text, links to the investments after that. Mhmm. We have a capital gains tax calculation for you guys. Yeah. For like, from as of when it closes roughly? Yeah. Correct. Yeah. Yeah. So That's fine. what's Yeah. No. I we knew. We discussed that. I knew that I was gonna be liable and all that. yeah. And the funny thing about that consent order is it doesn't include being able to use the sale of the funds to pay that, which would have been nice. No. Okay. I did mention that, but I thought whatever. You know, sometimes it just gets yep. Yep. It gets Cool. too much. So I'm like, whatever. Yep. Fair enough. So I think I've estimated it just under 800. That'll impact the Yep. tax return by Yeah. That's fine. Is that last cool. year's tax? And, obviously, we because we're in a new financial year. Will there be just a little bit for the one that we're in and that'll come out later? Or Yeah. So that's what I'm I'm expecting is so if it gets sold now in yep. this financial year, when it comes time for tax time next July onwards, then it'll be input into that return, and Yep. then it'll factor into that one. So it won't really impact you for a good eleven months or so. Yeah.","start_word":1180,"end_word":1570,"sentiment":"neutral","sentiment_score":-0.017747293192478815},{"text":"It's all good. That's all good. Okay. Thank you. Perfect.","start_word":1571,"end_word":1580,"sentiment":"positive","sentiment_score":0.5012934803962708},{"text":"I did say at the beginning of this that I would try and make sure I I considered what would impact you on it. I'm Yeah.","start_word":1581,"end_word":1606,"sentiment":"neutral","sentiment_score":0.1959934234619141},{"text":"very happy and glad that we've got it going in the right direction for the kids and in a really good product, to be honest.","start_word":1607,"end_word":1631,"sentiment":"positive","sentiment_score":0.655490517616272},{"text":"It's the perfect Yeah. No. place No. for I'm them. happy. Yeah.","start_word":1632,"end_word":1643,"sentiment":"neutral","sentiment_score":0.10575050115585329},{"text":"Like, this is a bonus for me.","start_word":1644,"end_word":1650,"sentiment":"positive","sentiment_score":0.4190263748168946},{"text":"I thought Ben was just gonna do whatever. Yep. I can run. Yep. No. Fair enough. Yes. No. I This mean, one's I would a lot have more. hoped. I trusted him enough to probably do something with the kids, but I'd he act I didn't actually think I would be involved at all, but that's kind of nice. Yep. Yeah. And the other thing too is there is obviously wanted in the right names and Yep. the right structures and entities and everything. So if anything ever goes wrong, not that it is gonna go wrong, the kids do have recourse if they have to, but it is set there for them. So Yep. it should be Yeah. fine.","start_word":1651,"end_word":1770,"sentiment":"neutral","sentiment_score":0.15527793243527413},{"text":"No. That's beautiful. Thank you. Awesome.","start_word":1771,"end_word":1776,"sentiment":"positive","sentiment_score":0.5980624556541443},{"text":"Do you have any questions for me? No. No. I just I just signed this other document. Hey. Yeah. Is And then that pretty right? much Yep. once it comes back from both parties, we'll get it moving for the sale and the movement, and then we have an implementation process to make sure that all the steps are followed, one, two, three, four, five at the back of that document. No worries. And so does that mean once that's up and running in the kid's name, do do I just go to Ben to see if anything has changed? Not that I would really honestly care that much, but or do I get automatic yearly just update or not because it's just in his name? Yeah. You'd have to go to Ben to check what's going on with the accounts for that one. Yep. No. That's fine.","start_word":1777,"end_word":1924,"sentiment":"neutral","sentiment_score":0.06627950817346573},{"text":"Perfect. Cool. Wonderful.","start_word":1925,"end_word":1927,"sentiment":"positive","sentiment_score":0.43463850021362305},{"text":"No. I think that's all. I'll sign that now anyway so Easy that can done. get And is there anything else that you need from me between done. now and our next catch up for Christmas time? No. I think it'll it'll be good around Christmas time to just, yep, see where I'm at and what we can do next year. So, yeah, that that should be fine.","start_word":1928,"end_word":1995,"sentiment":"neutral","sentiment_score":0.10970238596200944},{"text":"Easy done.","start_word":1996,"end_word":1997,"sentiment":"positive","sentiment_score":0.3569384515285492},{"text":"Well, I've got it penciled in. So around the end of October, early November, team will reach out and get you booked Yep. in with me, and then Beautiful. we can go through a few ideas.","start_word":1998,"end_word":2033,"sentiment":"neutral","sentiment_score":0.21193981046477953},{"text":"Yeah. Wonderful. Thank you so much for that, and you have a good rest of the day. You too, Harvey. Thank you so much for your time. Thanks. Bye.","start_word":2034,"end_word":2062,"sentiment":"positive","sentiment_score":0.7522185444831848},{"text":"Bye.","start_word":2063,"end_word":2063,"sentiment":"neutral","sentiment_score":0.3097515106201172}],"average":{"sentiment":"neutral","sentiment_score":0.093616877543235}}}}