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I've got you with these documents to send through for super. Have I got a bit of time with you this morning? Perfect. Perfect. Just double checking too. So with the email addresses, are you okay to use the BTS Gmail for your main email? Perfect. Will you get a look onto the documents with me today? Awesome. Alright. So I'll get it sent through just as a bit of a heads up. There's about seven attachments that come along with it, just product documents, and the rest of it is all actually inside the digital email system. Awesome. So just while that's coming through, how's everything going with Brandon, you guys, and the business? Fantastic. So mortgage application January, business is there. Got a bit of cash flow going. Seems like it's all going pretty well. And with the the way you've got the business structured, so how are you guys kind of splitting the the duties within the business? Are you just kind of doing, like, the admin side of things? Or perfect. Alright. When that email comes through to you, it should be a signature request for statement of advice. And it may go through your spam folder for the first time, but it should go to the main inbox most of the time. No worries at all. Yeah. So if you hit that button, it'll bring it open the the five documents to go through together with me today. And you should see, like, a Gold Coast beachfront city picture, same cover page as the Brandon's statement of advice. Perfect. Cool. Now when it goes quick to start, it might start dragging you down to, like, signature spot, but I just wanted to just scroll through the document with you if you can. Perfect. And just to let you know as well, so after the statement of advice, there is, like, the back line with your details in there, a few authorizations, applications, and quotes, and things like that. But I just wanna scroll through this one with you first. If you go down to pages three and four for me, you should see the scope of advice. Cool. So just as a reminder, we've got your kind of overarching goal as a couple to retire early at age 60, and that million dollars, and, obviously, this advice is around reviewing the sofa. Now with the contributions, so they've activated some default insurances inside your Australian super. Just a bit of life taken in income protection, so I have just addressed that in this document as well just to try and get the premiums down a little bit. And as a reminder, we weren't doing anything crazy insurance wise. It would just replace anything that you've got. So if you go down past there, so estate planning, we'll make sure we've got the beneficiary nominations set up under all the new accounts and everything. And then on pages five and six, you'll see what's not in this document. And, of course, we're not doing any investment advice right now. Just focusing on the business, the home purchase, and everything, but that's being handled already. Cool. If you swing by for me on pages seven and eight, it's got the details that we captured. One thing I'll quickly update. So I've added in the income. I think you've put 47,500 for the income wages that you're drawing. Alrighty. That's right. Is it 60? Easy done. I'll update that on the system just a bit of a build the savings up. And in terms of the assets and liabilities, so obviously, since you guys have bought the business, I'm just wondering how much of the cash you guys have to throw in for the business purchase. Cool. Okay. So as far as overall assets, should I just go 30,000 was, I guess, deposit to the business, 800,000 is still sitting in cash approximately. That was sitting in cash. And just in terms of business lines, do you know overall how much the the loan is for? No loans. Just threw the cash in and then just operating it. Beautiful. Alrighty. Yeah. Yep. Let it kind of get into that cash flow positive and and build up where it needs to be, sort out taxes first, and then work out with an accountant when you start drawing down. Perfect. I have just flagged in here the the insurance since they got activated into the Australian super. One thing I'll just quickly mention too. So they've set you up actually too much cover compared to the income that you're drawing. So I'm just trimming that down a tiny bit because you wouldn't be able to claim on a portion of that. Cool. If you swing down past there, so if you remember, we're just going high growth with your risk profile, same Brandon's, and you guys are still pretty keen to just maximize the return. Cool. If you go down past there, so the the tech heavy page on page eleven and twelve for the strategy recommendation. And same thing. So we're recommending, obviously, to switch across into Hub. And then once you guys are both across, I wanna link up both the super accounts for the family fee linking, and that way you start getting those discounts on the admin fees. So ETFs mainly for the investments just like we talked about, same portfolio recommended for both of you guys. And there's a bit of an advantage disadvantage is payable on pages twelve and thirteen. I guess the kind of long and short of it is we're still doing that blend of active and passive investments using ETF, and there's a bit of brokerage fees to purchase them. And then once you guys have got them, it's, like, the lowest fees to have ongoing. Cool. If you swing down a little bit further, I'm just gonna go through a couple of these details with you on pages fifteen and sixteen. There's just a couple of tables there, like a fee comparison. So what I've included here is just that the onboarding fee for implementation at the top right. We've got a little bit more expensive admin fees compared to Australian Subaru, obviously, because it's the wrap platform. You're kind of going from a Corolla to a Lamborghini. Investment fees will go down. We'll be putting the above fee. I've applied that couple discount that I was talking to you guys about, one point 1% for both of you guys. So if I need to update that with Brendan, I will send that through to him straight away as well. And at the bottom, we've got the return average as well. And you'll see five year rolling average. We go from eight to 12 and a half. That's that's your average. Just based on the projections for the contributions that you are doing now, you're probably looking at between $2,250,000 in ten years. Obviously, if that increases, we'll we'll update the plan, but this is just based on what you're drawing out currently, the returns, fees, premiums, all that kind of thing. Cool. Returns on the next page just shows you one, three, five, and ten years. And just quickly on page 17, you'll see an investment table. K? So this is that switch into hub. And, again, same portfolio, all ETFs. Aufiniti is your active satellite there, and that's all the options that we're recommending for both of you guys. Cool. Any questions so far? Last kind of details for the super on '19, you'll see a proposed asset allocation pie chart. The quick reminder here is that because we're going for that high growth, we're gonna bump you up from that 70% growth asset to that 96, and you're pretty much gonna bounce between 90 to a 100% in, like, shares, property, and gold. When you guys are a bit closer to retirement, we'll scale that back once you Now when it comes to the insurance side of things, this is the part that I need to kind of run by you. The next page, I have recommended a replacement insurer. Cool. So you've got life disability and income protection insurance attached to Australian silver. The two options that we've got is we can either just transfer it across that you still got a little bit. It'll save a little bit on the premiums and costs, but it'll keep you kind of over insured for the income protection. So what I did was just spin through a comparison between all the background insurance, and one path was offering basically the same cover for cheaper, but with all the extra bells and little under the hood as So all the fine prints in there, a lot more options to claim on. K. So awesome. It's basically the same amount. 50,000 was the minimum for CBD cover, which is your disability. I think you have 45. 50 is the minimum, still cheaper. And $277.00 is the income protection based on 70 percent. Cool. So it basically goes from, I think, a little over $400 a year to $3.24 and much better quality as well. So, basically, what I'm looking to do as a plan is we'll roll the bulk of the funds across from Australian Super. We will have to go through a brief insurance application with you just to replace the cover, and then we can close off that account. Does that make sense? On that, the rest of the document pretty much just goes over the beneficiary nomination we were just gonna nominate Brandon for the super and the life insurance. It goes through will on page 29, powers of attorney, all that kind of thing as a reminder. One thing I have to make you aware of as well is towards the back of the document on pages thirty six and thirty seven, there's a remuneration page for OPU. And what you'll be able to see in there so you've got the implementation fee that will charge out of the super to set everything up. Same as Brandon's one, but it's just a little bit lower than his. We've got all of the insurers. They do pay us 66% of the first year's premium. There's a bit of a commission to set it up and 22% to look after ongoing for, like, claims advice and claims assistance as well. So I just have to let you know that that's, I guess, what we would receive from them. Cool. Implementation is on page 38, which is essentially we'll do a bit of a rollover. We'll get the application finished with one path, and then we'll move everything else across the hub, set up your beneficiaries, and send you the details for the contribution. How's that sound? Cool. Now, unfortunately, as far as paperwork side of things go, there's still a bunch of documents to sign off on the same as Brandon did. Basically, the bottom of this document, second last page, has an authority to proceed with the advice. After we go through this one, it'll ask you to sign off on the which will update the the 30,000 there and the savings, but everything else based on that initiative maybe in July. Yeah. If you can sign that one now, that'd be great. It does have a risk profile at the bottom for the high growth as well with all the questions we went through. Yep. So, again, this one's just a little bit of a check all where we've seen the government system to see if there's anything else floating around, not that there will be. Your last dormant fund was the Australian food. But anyway, There's another authority just to refresh to contact them just to make it as sort of up to date as possible. And then what we'll do if you're comfortable, so there's a tax file number opt in for. We obviously need a tax file number to do the applications. What we normally do is I book you in for a bit of a welcome call with Maddie, and she will just go through, like, the insurance application and get your tax phone number noted down. Usually, when we do that, we turn off our call recordings and things like that just to make sure it's nice and safe. Cool. The last two is pretty much just the super application, which, again, the buttons will kind of bring you to each spot, and the last one is just the insurance quote. So once you get to the very end, it'll have, like, a validate button. So it sometimes hangs for a good thirty, forty seconds if there's a lot of documents and pages just because the the product documents is about 1,200 pages in addition. I'll just give that a quick moment. Yeah. So that's why I've just attached them as PDF just to sort of save lagging the system a little bit. No worries. Linda, the last couple of things I wanted to just quickly run by you, if this is okay too, is just in terms of your the passport that we certified. Because of the new anti money laundering laws, we have to spin that document through a a safe ID check where it kind of pings a few government systems just to make sure there's no, you know, links to terrorism or anything like that. Do you have about two minutes to go through a safe ID check with me today? Oh, so as soon as that one comes through, what I'm basically doing while that's loading, and that has come through sign. Thank you for that. I'm basically just putting in here your consent to go through the it's f triple a safe ID. It's essentially the financial advisers association. They've kind of put this system together for the new laws. So what I'll do is I'm gonna send you a link, safe ID link. I'm just going through the system now. Email address. You'll get it's like a blue email with an invitation link. And that should be coming through to you pretty soon. Alright. That's just popped out of the system to your email address. If you do have the passport handy on you, it'll ask you to kind of punch in the detail. You could actually use the Australian license too if you want. It'll do the a similar thing. Yeah. They can use either one. Yep. That'll be great. So what will basically happen is you select the type of ID, whether it's passport or license. Yeah. Yep. Which is Louise. Correct. Perfect. So that comes through to me. It's just updating all the details there. Just quickly on it, it's come through with the middle name spelled with Louise with an r instead of an e at the end. What I'll do is yeah. Absolutely. This is my first time doing a redo, so I'm just gonna hit send invite. It may just do another link. I do apologize. My first time on a second. Yeah. Oh, okay. Yep. So it generated a second email that'll come through in about ten seconds. I do apologize. And queue it up. Seems to be a lot of people using this system this morning. And sent. That actually comes through again. Apologies for that. And the cool thing is as soon as you input all those details, it basically just popped up to put it into the system for me, which is great. It does some funny things too. Like, I'll be interested to see what comes back that does check worldwide systems as well. So I'm just wondering if you'll pick up anything from from Ireland or wherever. First international attempt. Absolutely. Alright. That's popped up. So I'll just go Perfect. So I'll just save all those details. Copy and save here. And details have matched. Thank you so much for that. Easy done. So that's pretty much it. I'll just send this off for e verification that you would take, like, fifteen minutes or so, and then we should be good to go. From here, in terms of just going through the welcome call, do you want me to set up a bit of a client password, or are you happy to do, like, three point ID checks when you call in? Yeah. Cool. So I'll just do full name, date of birth, address. We'll set up some catch ups with both of you guys as necessary. And if we ever need to do it, the individual would just stay up with you guys. Do you have any time today to go through the sort of welcome call application for the insurance? Would you want me to just book something in for for next week? Usually, about twenty twenty minutes. You're right. Yep. Hey. Yeah. Absolutely. We do have staff that start early in the mornings and finish late at night kind of thing. What would be good for the day and time for you? Perfect. Can I put it in for, like, Tuesday, 10:00? O'clock? Awesome. That way, I'll be in office then as well. So if anything pops up, I can jump on the phone to you as well. Awesome. So I'll send this off to Maddie just to process and and get everything moving. She'll give you a call Tuesday morning. If you need anything else, just give us a callback. Awesome, Linda. No worries at all. Any questions before I let you go? Alrighty, mate. You guys have a fantastic weekend, and I'll put you there. Thanks, mate. 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morning, Linda. It's Tommy here. How are you doing? I'm doing absolutely fantastic. It's a beautiful rainy day.\n\nNice and cozy. What about your end? Awesome. Awesome. I've got you with these documents to send through for super.\n\nHave I got a bit of time with you this morning? Perfect. Perfect. Just double checking too. So with the email addresses, are you okay to use the BTS Gmail for your main email?\n\nPerfect. Will you get a look onto the documents with me today? Awesome. Alright. So I'll get it sent through just as a bit of a heads up.\n\nThere's about seven attachments that come along with it, just product documents, and the rest of it is all actually inside the digital email system. Awesome. So just while that's coming through, how's everything going with Brandon, you guys, and the business? Fantastic. So mortgage application January, business is there.\n\nGot a bit of cash flow going. Seems like it's all going pretty well. And with the the way you've got the business structured, so how are you guys kind of splitting the the duties within the business? Are you just kind of doing, like, the admin side of things? Or perfect.\n\nAlright. When that email comes through to you, it should be a signature request for statement of advice. And it may go through your spam folder for the first time, but it should go to the main inbox most of the time. No worries at all. Yeah.\n\nSo if you hit that button, it'll bring it open the the five documents to go through together with me today. And you should see, like, a Gold Coast beachfront city picture, same cover page as the Brandon's statement of advice. Perfect. Cool. Now when it goes quick to start, it might start dragging you down to, like, signature spot, but I just wanted to just scroll through the document with you if you can.\n\nPerfect. And just to let you know as well, so after the statement of advice, there is, like, the back line with your details in there, a few authorizations, applications, and quotes, and things like that. But I just wanna scroll through this one with you first. If you go down to pages three and four for me, you should see the scope of advice. Cool.\n\nSo just as a reminder, we've got your kind of overarching goal as a couple to retire early at age 60, and that million dollars, and, obviously, this advice is around reviewing the sofa. Now with the contributions, so they've activated some default insurances inside your Australian super. Just a bit of life taken in income protection, so I have just addressed that in this document as well just to try and get the premiums down a little bit. And as a reminder, we weren't doing anything crazy insurance wise. It would just replace anything that you've got.\n\nSo if you go down past there, so estate planning, we'll make sure we've got the beneficiary nominations set up under all the new accounts and everything. And then on pages five and six, you'll see what's not in this document. And, of course, we're not doing any investment advice right now. Just focusing on the business, the home purchase, and everything, but that's being handled already. Cool.\n\nIf you swing by for me on pages seven and eight, it's got the details that we captured. One thing I'll quickly update. So I've added in the income. I think you've put 47,500 for the income wages that you're drawing. Alrighty.\n\nThat's right. Is it 60? Easy done. I'll update that on the system just a bit of a build the savings up. And in terms of the assets and liabilities, so obviously, since you guys have bought the business, I'm just wondering how much of the cash you guys have to throw in for the business purchase.\n\nCool. Okay. So as far as overall assets, should I just go 30,000 was, I guess, deposit to the business, 800,000 is still sitting in cash approximately. That was sitting in cash. And just in terms of business lines, do you know overall how much the the loan is for?\n\nNo loans. Just threw the cash in and then just operating it. Beautiful. Alrighty. Yeah.\n\nYep. Let it kind of get into that cash flow positive and and build up where it needs to be, sort out taxes first, and then work out with an accountant when you start drawing down. Perfect. I have just flagged in here the the insurance since they got activated into the Australian super. One thing I'll just quickly mention too.\n\nSo they've set you up actually too much cover compared to the income that you're drawing. So I'm just trimming that down a tiny bit because you wouldn't be able to claim on a portion of that. Cool. If you swing down past there, so if you remember, we're just going high growth with your risk profile, same Brandon's, and you guys are still pretty keen to just maximize the return. Cool.\n\nIf you go down past there, so the the tech heavy page on page eleven and twelve for the strategy recommendation. And same thing. So we're recommending, obviously, to switch across into Hub. And then once you guys are both across, I wanna link up both the super accounts for the family fee linking, and that way you start getting those discounts on the admin fees. So ETFs mainly for the investments just like we talked about, same portfolio recommended for both of you guys.\n\nAnd there's a bit of an advantage disadvantage is payable on pages twelve and thirteen. I guess the kind of long and short of it is we're still doing that blend of active and passive investments using ETF, and there's a bit of brokerage fees to purchase them. And then once you guys have got them, it's, like, the lowest fees to have ongoing. Cool. If you swing down a little bit further, I'm just gonna go through a couple of these details with you on pages fifteen and sixteen.\n\nThere's just a couple of tables there, like a fee comparison. So what I've included here is just that the onboarding fee for implementation at the top right. We've got a little bit more expensive admin fees compared to Australian Subaru, obviously, because it's the wrap platform. You're kind of going from a Corolla to a Lamborghini. Investment fees will go down.\n\nWe'll be putting the above fee. I've applied that couple discount that I was talking to you guys about, one point 1% for both of you guys. So if I need to update that with Brendan, I will send that through to him straight away as well. And at the bottom, we've got the return average as well. And you'll see five year rolling average.\n\nWe go from eight to 12 and a half. That's that's your average. Just based on the projections for the contributions that you are doing now, you're probably looking at between $2,250,000 in ten years. Obviously, if that increases, we'll we'll update the plan, but this is just based on what you're drawing out currently, the returns, fees, premiums, all that kind of thing. Cool.\n\nReturns on the next page just shows you one, three, five, and ten years. And just quickly on page 17, you'll see an investment table. K? So this is that switch into hub. And, again, same portfolio, all ETFs.\n\nAufiniti is your active satellite there, and that's all the options that we're recommending for both of you guys. Cool. Any questions so far? Last kind of details for the super on '19, you'll see a proposed asset allocation pie chart. The quick reminder here is that because we're going for that high growth, we're gonna bump you up from that 70% growth asset to that 96, and you're pretty much gonna bounce between 90 to a 100% in, like, shares, property, and gold.\n\nWhen you guys are a bit closer to retirement, we'll scale that back once you Now when it comes to the insurance side of things, this is the part that I need to kind of run by you. The next page, I have recommended a replacement insurer. Cool. So you've got life disability and income protection insurance attached to Australian silver. The two options that we've got is we can either just transfer it across that you still got a little bit.\n\nIt'll save a little bit on the premiums and costs, but it'll keep you kind of over insured for the income protection. So what I did was just spin through a comparison between all the background insurance, and one path was offering basically the same cover for cheaper, but with all the extra bells and little under the hood as So all the fine prints in there, a lot more options to claim on. K. So awesome. It's basically the same amount.\n\n50,000 was the minimum for CBD cover, which is your disability. I think you have 45. 50 is the minimum, still cheaper. And $277.00 is the income protection based on 70 percent. Cool.\n\nSo it basically goes from, I think, a little over $400 a year to $3.24 and much better quality as well. So, basically, what I'm looking to do as a plan is we'll roll the bulk of the funds across from Australian Super. We will have to go through a brief insurance application with you just to replace the cover, and then we can close off that account. Does that make sense? On that, the rest of the document pretty much just goes over the beneficiary nomination we were just gonna nominate Brandon for the super and the life insurance.\n\nIt goes through will on page 29, powers of attorney, all that kind of thing as a reminder. One thing I have to make you aware of as well is towards the back of the document on pages thirty six and thirty seven, there's a remuneration page for OPU. And what you'll be able to see in there so you've got the implementation fee that will charge out of the super to set everything up. Same as Brandon's one, but it's just a little bit lower than his. We've got all of the insurers.\n\nThey do pay us 66% of the first year's premium. There's a bit of a commission to set it up and 22% to look after ongoing for, like, claims advice and claims assistance as well. So I just have to let you know that that's, I guess, what we would receive from them. Cool. Implementation is on page 38, which is essentially we'll do a bit of a rollover.\n\nWe'll get the application finished with one path, and then we'll move everything else across the hub, set up your beneficiaries, and send you the details for the contribution. How's that sound? Cool. Now, unfortunately, as far as paperwork side of things go, there's still a bunch of documents to sign off on the same as Brandon did. Basically, the bottom of this document, second last page, has an authority to proceed with the advice.\n\nAfter we go through this one, it'll ask you to sign off on the which will update the the 30,000 there and the savings, but everything else based on that initiative maybe in July. Yeah. If you can sign that one now, that'd be great. It does have a risk profile at the bottom for the high growth as well with all the questions we went through. Yep.\n\nSo, again, this one's just a little bit of a check all where we've seen the government system to see if there's anything else floating around, not that there will be. Your last dormant fund was the Australian food. But anyway, There's another authority just to refresh to contact them just to make it as sort of up to date as possible. And then what we'll do if you're comfortable, so there's a tax file number opt in for. We obviously need a tax file number to do the applications.\n\nWhat we normally do is I book you in for a bit of a welcome call with Maddie, and she will just go through, like, the insurance application and get your tax phone number noted down. Usually, when we do that, we turn off our call recordings and things like that just to make sure it's nice and safe. Cool. The last two is pretty much just the super application, which, again, the buttons will kind of bring you to each spot, and the last one is just the insurance quote. So once you get to the very end, it'll have, like, a validate button.\n\nSo it sometimes hangs for a good thirty, forty seconds if there's a lot of documents and pages just because the the product documents is about 1,200 pages in addition. I'll just give that a quick moment. Yeah. So that's why I've just attached them as PDF just to sort of save lagging the system a little bit. No worries.\n\nLinda, the last couple of things I wanted to just quickly run by you, if this is okay too, is just in terms of your the passport that we certified. Because of the new anti money laundering laws, we have to spin that document through a a safe ID check where it kind of pings a few government systems just to make sure there's no, you know, links to terrorism or anything like that. Do you have about two minutes to go through a safe ID check with me today? Oh, so as soon as that one comes through, what I'm basically doing while that's loading, and that has come through sign. Thank you for that.\n\nI'm basically just putting in here your consent to go through the it's f triple a safe ID. It's essentially the financial advisers association. They've kind of put this system together for the new laws. So what I'll do is I'm gonna send you a link, safe ID link. I'm just going through the system now.\n\nEmail address. You'll get it's like a blue email with an invitation link. And that should be coming through to you pretty soon. Alright. That's just popped out of the system to your email address.\n\nIf you do have the passport handy on you, it'll ask you to kind of punch in the detail. You could actually use the Australian license too if you want. It'll do the a similar thing. Yeah. They can use either one.\n\nYep. That'll be great. So what will basically happen is you select the type of ID, whether it's passport or license. Yeah. Yep.\n\nWhich is Louise. Correct. Perfect. So that comes through to me. It's just updating all the details there.\n\nJust quickly on it, it's come through with the middle name spelled with Louise with an r instead of an e at the end. What I'll do is yeah. Absolutely. This is my first time doing a redo, so I'm just gonna hit send invite. It may just do another link.\n\nI do apologize. My first time on a second. Yeah. Oh, okay. Yep.\n\nSo it generated a second email that'll come through in about ten seconds. I do apologize. And queue it up. Seems to be a lot of people using this system this morning. And sent.\n\nThat actually comes through again. Apologies for that. And the cool thing is as soon as you input all those details, it basically just popped up to put it into the system for me, which is great. It does some funny things too. Like, I'll be interested to see what comes back that does check worldwide systems as well.\n\nSo I'm just wondering if you'll pick up anything from from Ireland or wherever. First international attempt. Absolutely. Alright. That's popped up.\n\nSo I'll just go Perfect. So I'll just save all those details. Copy and save here. And details have matched. Thank you so much for that.\n\nEasy done. So that's pretty much it. I'll just send this off for e verification that you would take, like, fifteen minutes or so, and then we should be good to go. From here, in terms of just going through the welcome call, do you want me to set up a bit of a client password, or are you happy to do, like, three point ID checks when you call in? Yeah.\n\nCool. So I'll just do full name, date of birth, address. We'll set up some catch ups with both of you guys as necessary. And if we ever need to do it, the individual would just stay up with you guys. Do you have any time today to go through the sort of welcome call application for the insurance?\n\nWould you want me to just book something in for for next week? Usually, about twenty twenty minutes. You're right. Yep. Hey.\n\nYeah. Absolutely. We do have staff that start early in the mornings and finish late at night kind of thing. What would be good for the day and time for you? Perfect.\n\nCan I put it in for, like, Tuesday, 10:00? O'clock? Awesome. That way, I'll be in office then as well. So if anything pops up, I can jump on the phone to you as well.\n\nAwesome. So I'll send this off to Maddie just to process and and get everything moving. She'll give you a call Tuesday morning. If you need anything else, just give us a callback. Awesome, Linda.\n\nNo worries at all. Any questions before I let you go? Alrighty, mate. You guys have a fantastic weekend, and I'll put you there. Thanks, mate.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good morning, Linda.","start":3.84,"end":4.7999997,"sentiment":"neutral","sentiment_score":0.2345570127169291},{"text":"It's Tommy here.","start":4.7999997,"end":5.52,"sentiment":"neutral","sentiment_score":0.1775504599014918},{"text":"How are you doing?","start":5.52,"end":6.42,"sentiment":"neutral","sentiment_score":0.18286390602588654},{"text":"I'm doing absolutely fantastic.","start":8.48,"end":10.179999,"sentiment":"positive","sentiment_score":0.7295843213796616},{"text":"It's a beautiful rainy day.","start":10.32,"end":11.86,"sentiment":"positive","sentiment_score":0.6753167152404785}],"sentiment":"positive","sentiment_score":0.4348788896673604,"num_words":19,"start":3.84,"end":11.86},{"sentences":[{"text":"Nice and cozy.","start":12.24,"end":12.96,"sentiment":"positive","sentiment_score":0.5859612425168356},{"text":"What about your end?","start":12.96,"end":13.905,"sentiment":"neutral","sentiment_score":0.12799409218132496},{"text":"Awesome.","start":17.985,"end":18.385,"sentiment":"positive","sentiment_score":0.6710785627365112},{"text":"Awesome.","start":18.385,"end":18.885,"sentiment":"positive","sentiment_score":0.5656901597976685},{"text":"I've got you with these documents to send through for super.","start":19.505,"end":24.085,"sentiment":"neutral","sentiment_score":0.2235275154764002}],"sentiment":"neutral","sentiment_score":0.2982715744525194,"num_words":20,"start":12.24,"end":24.085},{"sentences":[{"text":"Have I got a bit of time with you this morning?","start":24.945,"end":26.884998,"sentiment":"neutral","sentiment_score":0.03167737664824182},{"text":"Perfect.","start":29.8,"end":30.039999,"sentiment":"neutral","sentiment_score":0.27861541509628296},{"text":"Perfect.","start":30.039999,"end":30.539999,"sentiment":"neutral","sentiment_score":0.18505072593688965},{"text":"Just double checking too.","start":30.84,"end":32.2,"sentiment":"neutral","sentiment_score":0.08342109061777592},{"text":"So with the email addresses, are you okay to use the BTS Gmail for your main email?","start":32.2,"end":38.699997,"sentiment":"neutral","sentiment_score":0.030037820065284476}],"sentiment":"neutral","sentiment_score":0.048718958463081545,"num_words":34,"start":24.945,"end":38.699997},{"sentences":[{"text":"Perfect.","start":41.079998,"end":41.559998,"sentiment":"neutral","sentiment_score":0.2445230633020401},{"text":"Will you get a look onto the documents with me today?","start":41.559998,"end":43.815,"sentiment":"neutral","sentiment_score":0.07572747631506486},{"text":"Awesome.","start":45.815,"end":46.215,"sentiment":"neutral","sentiment_score":0.15893176198005676},{"text":"Alright.","start":46.215,"end":46.454998,"sentiment":"neutral","sentiment_score":0.08133240789175034},{"text":"So I'll get it sent through just as a bit of a heads up.","start":46.454998,"end":48.774998,"sentiment":"neutral","sentiment_score":0.09496443452579635}],"sentiment":"neutral","sentiment_score":0.09454612700002533,"num_words":28,"start":41.079998,"end":48.774998},{"sentences":[{"text":"There's about seven attachments that come along with it, just product documents, and the rest of it is all actually inside the digital email system.","start":48.774998,"end":58.875,"sentiment":"neutral","sentiment_score":0.060955903083086016},{"text":"Awesome.","start":61.37,"end":61.77,"sentiment":"neutral","sentiment_score":0.13835331797599792},{"text":"So just while that's coming through, how's everything going with Brandon, you guys, and the business?","start":61.77,"end":66.59,"sentiment":"neutral","sentiment_score":0.052080251974985003},{"text":"Fantastic.","start":87.799995,"end":88.299995,"sentiment":"neutral","sentiment_score":0.3259594440460205},{"text":"So mortgage application January, business is there.","start":88.6,"end":90.92,"sentiment":"neutral","sentiment_score":0.12892714781420572}],"sentiment":"neutral","sentiment_score":0.07447968810796737,"num_words":50,"start":48.774998,"end":90.92},{"sentences":[{"text":"Got a bit of cash flow going.","start":90.92,"end":92.54,"sentiment":"neutral","sentiment_score":0.21783698243754251},{"text":"Seems like it's all going pretty well.","start":92.6,"end":94.299995,"sentiment":"positive","sentiment_score":0.3470541409083775},{"text":"And with the the way you've got the business structured, so how are you guys kind of splitting the the duties within the business?","start":97.515,"end":104.795,"sentiment":"neutral","sentiment_score":0.04650672866652409},{"text":"Are you just kind of doing, like, the admin side of things?","start":104.795,"end":107.275,"sentiment":"neutral","sentiment_score":0.003472460045789679},{"text":"Or perfect.","start":107.275,"end":119.23,"sentiment":"positive","sentiment_score":0.3837216068059206}],"sentiment":"neutral","sentiment_score":0.11306754010729492,"num_words":52,"start":90.92,"end":119.23},{"sentences":[{"text":"Alright.","start":121.225,"end":121.725,"sentiment":"positive","sentiment_score":0.436759352684021},{"text":"When that email comes through to you, it should be a signature request for statement of advice.","start":122.825,"end":128.205,"sentiment":"neutral","sentiment_score":0.26261646782650666},{"text":"And it may go through your spam folder for the first time, but it should go to the main inbox most of the time.","start":129.945,"end":136.77,"sentiment":"neutral","sentiment_score":0.06363505435486634},{"text":"No worries at all.","start":140.91,"end":142.29,"sentiment":"neutral","sentiment_score":0.20914340019226074},{"text":"Yeah.","start":158.045,"end":158.205,"sentiment":"neutral","sentiment_score":0.2710086703300476}],"sentiment":"neutral","sentiment_score":0.16034176343298973,"num_words":47,"start":121.225,"end":158.205},{"sentences":[{"text":"So if you hit that button, it'll bring it open the the five documents to go through together with me today.","start":158.205,"end":164.23001,"sentiment":"neutral","sentiment_score":0.3177064983617692},{"text":"And you should see, like, a Gold Coast beachfront city picture, same cover page as the Brandon's statement of advice.","start":165.17,"end":171.99,"sentiment":"neutral","sentiment_score":0.24337713047862053},{"text":"Perfect.","start":175.01001,"end":175.51001,"sentiment":"positive","sentiment_score":0.3693385422229767},{"text":"Cool.","start":178.855,"end":179.355,"sentiment":"neutral","sentiment_score":0.3248898983001709},{"text":"Now when it goes quick to start, it might start dragging you down to, like, signature spot, but I just wanted to just scroll through the document with you if you can.","start":179.575,"end":187.19499,"sentiment":"neutral","sentiment_score":0.1562671505380422}],"sentiment":"neutral","sentiment_score":0.22978875110546748,"num_words":75,"start":158.205,"end":187.19499},{"sentences":[{"text":"Perfect.","start":189.735,"end":190.235,"sentiment":"positive","sentiment_score":0.5751416683197021},{"text":"And just to let you know as well, so after the statement of advice, there is, like, the back line with your details in there, a few authorizations, applications, and quotes, and things like that.","start":190.65001,"end":200.81,"sentiment":"neutral","sentiment_score":0.2783822774887085},{"text":"But I just wanna scroll through this one with you first.","start":200.81,"end":203.445,"sentiment":"neutral","sentiment_score":0.1851164928891442},{"text":"If you go down to pages three and four for me, you should see the scope of advice.","start":204.80501,"end":209.46501,"sentiment":"neutral","sentiment_score":0.09739364662932025},{"text":"Cool.","start":215.04501,"end":215.46,"sentiment":"positive","sentiment_score":0.3845688700675965}],"sentiment":"neutral","sentiment_score":0.21958268653940072,"num_words":66,"start":189.735,"end":215.46},{"sentences":[{"text":"So just as a reminder, we've got your kind of overarching goal as a couple to retire early at age 60, and that million dollars, and, obviously, this advice is around reviewing the sofa.","start":215.54001,"end":227.715,"sentiment":"neutral","sentiment_score":0.19860676281592426},{"text":"Now with the contributions, so they've activated some default insurances inside your Australian super.","start":230.275,"end":237.495,"sentiment":"neutral","sentiment_score":0.09042524865695409},{"text":"Just a bit of life taken in income protection, so I have just addressed that in this document as well just to try and get the premiums down a little bit.","start":240.6,"end":247.82,"sentiment":"neutral","sentiment_score":0.15677709541013163},{"text":"And as a reminder, we weren't doing anything crazy insurance wise.","start":248.68,"end":252.36,"sentiment":"neutral","sentiment_score":-0.01122581052847884},{"text":"It would just replace anything that you've got.","start":252.36,"end":257.335,"sentiment":"neutral","sentiment_score":0.04529363103210926}],"sentiment":"neutral","sentiment_score":0.13385243374588235,"num_words":98,"start":215.54001,"end":257.335},{"sentences":[{"text":"So if you go down past there, so estate planning, we'll make sure we've got the beneficiary nominations set up under all the new accounts and everything.","start":257.675,"end":265.135,"sentiment":"neutral","sentiment_score":0.13293594484113985},{"text":"And then on pages five and six, you'll see what's not in this document.","start":265.835,"end":269.935,"sentiment":"neutral","sentiment_score":-0.03220337203570774},{"text":"And, of course, we're not doing any investment advice right now.","start":273.33,"end":276.47,"sentiment":"neutral","sentiment_score":-0.08304379821162332},{"text":"Just focusing on the business, the home purchase, and everything, but that's being handled already.","start":276.69,"end":281.43,"sentiment":"neutral","sentiment_score":-0.03994814703861872},{"text":"Cool.","start":283.81,"end":284.31,"sentiment":"positive","sentiment_score":0.4521495103836059}],"sentiment":"neutral","sentiment_score":0.03055689451010788,"num_words":68,"start":257.675,"end":284.31},{"sentences":[{"text":"If you swing by for me on pages seven and eight, it's got the details that we captured.","start":284.70502,"end":289.685,"sentiment":"neutral","sentiment_score":0.2795511401361889},{"text":"One thing I'll quickly update.","start":292.385,"end":293.505,"sentiment":"neutral","sentiment_score":0.16767369508743285},{"text":"So I've added in the income.","start":293.505,"end":294.86502,"sentiment":"neutral","sentiment_score":0.1318014586965243},{"text":"I think you've put 47,500 for the income wages that you're drawing.","start":294.86502,"end":300.66998,"sentiment":"neutral","sentiment_score":0.10052013397216797},{"text":"Alrighty.","start":304.41,"end":304.91,"sentiment":"neutral","sentiment_score":0.1514059156179428}],"sentiment":"neutral","sentiment_score":0.19092250650837309,"num_words":42,"start":284.70502,"end":304.91},{"sentences":[{"text":"That's right.","start":321.785,"end":322.345,"sentiment":"neutral","sentiment_score":-0.0038021658547222614},{"text":"Is it 60?","start":322.345,"end":324.845,"sentiment":"neutral","sentiment_score":-0.004201446970303853},{"text":"Easy done.","start":326.80002,"end":327.36002,"sentiment":"positive","sentiment_score":0.36282534897327423},{"text":"I'll update that on the system just a bit of a build the savings up.","start":327.36002,"end":330.82,"sentiment":"neutral","sentiment_score":0.2270738979180654},{"text":"And in terms of the assets and liabilities, so obviously, since you guys have bought the business, I'm just wondering how much of the cash you guys have to throw in for the business purchase.","start":330.96002,"end":340.845,"sentiment":"neutral","sentiment_score":0.03044795830334936}],"sentiment":"neutral","sentiment_score":0.090828579556393,"num_words":57,"start":321.785,"end":340.845},{"sentences":[{"text":"Cool.","start":358.46,"end":358.78,"sentiment":"neutral","sentiment_score":0.18175825476646423},{"text":"Okay.","start":358.78,"end":359.25998,"sentiment":"neutral","sentiment_score":0.08823874592781067},{"text":"So as far as overall assets, should I just go 30,000 was, I guess, deposit to the business, 800,000 is still sitting in cash approximately.","start":359.25998,"end":369.015,"sentiment":"neutral","sentiment_score":0.04987353809177875},{"text":"That was sitting in cash.","start":372.83502,"end":374.215,"sentiment":"neutral","sentiment_score":0.02305820435285568},{"text":"And just in terms of business lines, do you know overall how much the the loan is for?","start":376.435,"end":380.99,"sentiment":"neutral","sentiment_score":0.01394829609327846}],"sentiment":"neutral","sentiment_score":0.03766391608864069,"num_words":50,"start":358.46,"end":380.99},{"sentences":[{"text":"No loans.","start":384.09,"end":384.73,"sentiment":"neutral","sentiment_score":-0.13816577941179276},{"text":"Just threw the cash in and then just operating it.","start":384.73,"end":387.95,"sentiment":"neutral","sentiment_score":-0.05260845273733139},{"text":"Beautiful.","start":388.49,"end":388.99,"sentiment":"neutral","sentiment_score":0.29733556509017944},{"text":"Alrighty.","start":391.61,"end":392.11,"sentiment":"neutral","sentiment_score":-0.01768484339118004},{"text":"Yeah.","start":401.55502,"end":401.95502,"sentiment":"neutral","sentiment_score":0.06919565796852112}],"sentiment":"neutral","sentiment_score":-0.030237980435291925,"num_words":15,"start":384.09,"end":401.95502},{"sentences":[{"text":"Yep.","start":401.95502,"end":402.355,"sentiment":"neutral","sentiment_score":0.07986067235469818},{"text":"Let it kind of get into that cash flow positive and and build up where it needs to be, sort out taxes first, and then work out with an accountant when you start drawing down.","start":402.355,"end":411.71,"sentiment":"neutral","sentiment_score":0.06041811560945851},{"text":"Perfect.","start":414.57,"end":415.07,"sentiment":"positive","sentiment_score":0.6102491021156311},{"text":"I have just flagged in here the the insurance since they got activated into the Australian super.","start":415.69,"end":420.75,"sentiment":"neutral","sentiment_score":0.0771073806373512},{"text":"One thing I'll just quickly mention too.","start":423.785,"end":425.385,"sentiment":"neutral","sentiment_score":-0.0810235823903765}],"sentiment":"neutral","sentiment_score":0.058170560900060855,"num_words":61,"start":401.95502,"end":425.385},{"sentences":[{"text":"So they've set you up actually too much cover compared to the income that you're drawing.","start":425.385,"end":434.1,"sentiment":"negative","sentiment_score":-0.3928493931889534},{"text":"So I'm just trimming that down a tiny bit because you wouldn't be able to claim on a portion of that.","start":436.1,"end":441.0,"sentiment":"neutral","sentiment_score":-0.031502244306639546},{"text":"Cool.","start":443.62,"end":444.12,"sentiment":"positive","sentiment_score":0.3491972088813782},{"text":"If you swing down past there, so if you remember, we're just going high growth with your risk profile, same Brandon's, and you guys are still pretty keen to just maximize the return.","start":444.74,"end":453.77502,"sentiment":"neutral","sentiment_score":0.2543049030231707},{"text":"Cool.","start":456.155,"end":456.55502,"sentiment":"positive","sentiment_score":0.41490668058395386}],"sentiment":"neutral","sentiment_score":0.03068094816343445,"num_words":72,"start":425.385,"end":456.55502},{"sentences":[{"text":"If you go down past there, so the the tech heavy page on page eleven and twelve for the strategy recommendation.","start":456.55502,"end":462.49503,"sentiment":"neutral","sentiment_score":0.14942580142191478},{"text":"And same thing.","start":466.07,"end":466.87,"sentiment":"neutral","sentiment_score":0.1267710973819097},{"text":"So we're recommending, obviously, to switch across into Hub.","start":466.87,"end":470.33,"sentiment":"neutral","sentiment_score":0.15174490130609936},{"text":"And then once you guys are both across, I wanna link up both the super accounts for the family fee linking, and that way you start getting those discounts on the admin fees.","start":470.55,"end":481.85498,"sentiment":"neutral","sentiment_score":0.19858468662608753},{"text":"So ETFs mainly for the investments just like we talked about, same portfolio recommended for both of you guys.","start":484.395,"end":491.37,"sentiment":"neutral","sentiment_score":0.1202254969822733}],"sentiment":"neutral","sentiment_score":0.1614298627657049,"num_words":85,"start":456.55502,"end":491.37},{"sentences":[{"text":"And there's a bit of an advantage disadvantage is payable on pages twelve and thirteen.","start":494.81,"end":498.83,"sentiment":"neutral","sentiment_score":-0.060407534490029016},{"text":"I guess the kind of long and short of it is we're still doing that blend of active and passive investments using ETF, and there's a bit of brokerage fees to purchase them.","start":499.21,"end":508.415,"sentiment":"neutral","sentiment_score":0.04681972549720244},{"text":"And then once you guys have got them, it's, like, the lowest fees to have ongoing.","start":508.475,"end":512.975,"sentiment":"neutral","sentiment_score":0.13848166586831212},{"text":"Cool.","start":515.755,"end":516.155,"sentiment":"neutral","sentiment_score":0.2202187776565552},{"text":"If you swing down a little bit further, I'm just gonna go through a couple of these details with you on pages fifteen and sixteen.","start":516.155,"end":522.29,"sentiment":"neutral","sentiment_score":0.12378784149885178}],"sentiment":"neutral","sentiment_score":0.06855065992308987,"num_words":90,"start":494.81,"end":522.29},{"sentences":[{"text":"There's just a couple of tables there, like a fee comparison.","start":522.29,"end":525.43,"sentiment":"neutral","sentiment_score":0.09499205581166527},{"text":"So what I've included here is just that the onboarding fee for implementation at the top right.","start":529.01,"end":535.19,"sentiment":"neutral","sentiment_score":0.06205036337761318},{"text":"We've got a little bit more expensive admin fees compared to Australian Subaru, obviously, because it's the wrap platform.","start":535.57,"end":541.57495,"sentiment":"neutral","sentiment_score":-0.10764667862340023},{"text":"You're kind of going from a Corolla to a Lamborghini.","start":541.71497,"end":543.975,"sentiment":"neutral","sentiment_score":0.04700586632825434},{"text":"Investment fees will go down.","start":544.915,"end":546.695,"sentiment":"neutral","sentiment_score":0.13465678095817565}],"sentiment":"neutral","sentiment_score":0.019319749444783214,"num_words":62,"start":522.29,"end":546.695},{"sentences":[{"text":"We'll be putting the above fee.","start":547.15497,"end":548.935,"sentiment":"neutral","sentiment_score":0.1394876092672348},{"text":"I've applied that couple discount that I was talking to you guys about, one point 1% for both of you guys.","start":550.355,"end":556.18005,"sentiment":"neutral","sentiment_score":0.1369887256906146},{"text":"So if I need to update that with Brendan, I will send that through to him straight away as well.","start":559.44,"end":564.34,"sentiment":"neutral","sentiment_score":0.16639190427958966},{"text":"And at the bottom, we've got the return average as well.","start":564.80005,"end":568.815,"sentiment":"neutral","sentiment_score":0.1425337473099882},{"text":"And you'll see five year rolling average.","start":571.675,"end":573.755,"sentiment":"neutral","sentiment_score":0.16987990268639155}],"sentiment":"neutral","sentiment_score":0.150747038767888,"num_words":65,"start":547.15497,"end":573.755},{"sentences":[{"text":"We go from eight to 12 and a half.","start":573.755,"end":575.59503,"sentiment":"neutral","sentiment_score":0.16226434955994287},{"text":"That's that's your average.","start":575.59503,"end":576.895,"sentiment":"neutral","sentiment_score":0.17138322442770004},{"text":"Just based on the projections for the contributions that you are doing now, you're probably looking at between $2,250,000 in ten years.","start":580.075,"end":588.70996,"sentiment":"neutral","sentiment_score":0.111067918213931},{"text":"Obviously, if that increases, we'll we'll update the plan, but this is just based on what you're drawing out currently, the returns, fees, premiums, all that kind of thing.","start":589.25,"end":602.75024,"sentiment":"neutral","sentiment_score":0.06558849521238229},{"text":"Cool.","start":602.75024,"end":602.99866,"sentiment":"positive","sentiment_score":0.455272376537323}],"sentiment":"neutral","sentiment_score":0.1068729997254335,"num_words":65,"start":573.755,"end":602.99866},{"sentences":[{"text":"Returns on the next page just shows you one, three, five, and ten years.","start":602.99866,"end":606.47656,"sentiment":"neutral","sentiment_score":0.20077089007411683},{"text":"And just quickly on page 17, you'll see an investment table.","start":606.47656,"end":611.22,"sentiment":"neutral","sentiment_score":0.1194420185956088},{"text":"K?","start":615.3,"end":615.8,"sentiment":"neutral","sentiment_score":0.06080428510904312},{"text":"So this is that switch into hub.","start":615.86,"end":618.5,"sentiment":"neutral","sentiment_score":0.109375747186797},{"text":"And, again, same portfolio, all ETFs.","start":618.5,"end":621.63995,"sentiment":"neutral","sentiment_score":0.14621254801750183}],"sentiment":"neutral","sentiment_score":0.14944524279771706,"num_words":39,"start":602.99866,"end":621.63995},{"sentences":[{"text":"Aufiniti is your active satellite there, and that's all the options that we're recommending for both of you guys.","start":622.25995,"end":629.53503,"sentiment":"neutral","sentiment_score":0.2528184887609984},{"text":"Cool.","start":632.315,"end":632.815,"sentiment":"neutral","sentiment_score":0.1861386746168137},{"text":"Any questions so far?","start":632.875,"end":634.17505,"sentiment":"neutral","sentiment_score":0.10037356242537498},{"text":"Last kind of details for the super on '19, you'll see a proposed asset allocation pie chart.","start":639.00995,"end":645.26996,"sentiment":"neutral","sentiment_score":0.07844679802656174},{"text":"The quick reminder here is that because we're going for that high growth, we're gonna bump you up from that 70% growth asset to that 96, and you're pretty much gonna bounce between 90 to a 100% in, like, shares, property, and gold.","start":649.88995,"end":663.15497,"sentiment":"neutral","sentiment_score":0.2462404453477194}],"sentiment":"neutral","sentiment_score":0.20610855865691388,"num_words":84,"start":622.25995,"end":663.15497},{"sentences":[{"text":"When you guys are a bit closer to retirement, we'll scale that back once you Now when it comes to the insurance side of things, this is the part that I need to kind of run by you.","start":663.295,"end":676.29004,"sentiment":"neutral","sentiment_score":0.014493803542695548},{"text":"The next page, I have recommended a replacement insurer.","start":676.75,"end":680.05005,"sentiment":"neutral","sentiment_score":0.05853610196047359},{"text":"Cool.","start":687.585,"end":687.825,"sentiment":"positive","sentiment_score":0.5427356362342834},{"text":"So you've got life disability and income protection insurance attached to Australian silver.","start":687.825,"end":693.60504,"sentiment":"neutral","sentiment_score":0.21453558367032272},{"text":"The two options that we've got is we can either just transfer it across that you still got a little bit.","start":693.905,"end":699.45,"sentiment":"neutral","sentiment_score":0.17862238912355333}],"sentiment":"neutral","sentiment_score":0.0995165591196316,"num_words":82,"start":663.295,"end":699.45},{"sentences":[{"text":"It'll save a little bit on the premiums and costs, but it'll keep you kind of over insured for the income protection.","start":700.38995,"end":707.85,"sentiment":"neutral","sentiment_score":0.33111040971495886},{"text":"So what I did was just spin through a comparison between all the background insurance, and one path was offering basically the same cover for cheaper, but with all the extra bells and little under the hood as So all the fine prints in there, a lot more options to claim on.","start":708.255,"end":727.31,"sentiment":"neutral","sentiment_score":0.1588652694884401},{"text":"K.","start":730.41,"end":730.91,"sentiment":"neutral","sentiment_score":0.04575580731034279},{"text":"So awesome.","start":730.97,"end":734.27,"sentiment":"positive","sentiment_score":0.37851154804229736},{"text":"It's basically the same amount.","start":734.89,"end":736.43,"sentiment":"positive","sentiment_score":0.3694726228713989}],"sentiment":"neutral","sentiment_score":0.2218971346936575,"num_words":82,"start":700.38995,"end":736.43},{"sentences":[{"text":"50,000 was the minimum for CBD cover, which is your disability.","start":736.96497,"end":740.505,"sentiment":"neutral","sentiment_score":0.17556769468567587},{"text":"I think you have 45.","start":740.725,"end":742.185,"sentiment":"neutral","sentiment_score":0.2201041728258133},{"text":"50 is the minimum, still cheaper.","start":742.245,"end":744.105,"sentiment":"neutral","sentiment_score":0.1857879733045896},{"text":"And $277.00 is the income protection based on 70 percent.","start":744.565,"end":752.50995,"sentiment":"neutral","sentiment_score":0.12928107753396034},{"text":"Cool.","start":753.52997,"end":754.00995,"sentiment":"positive","sentiment_score":0.5076286196708679}],"sentiment":"neutral","sentiment_score":0.18021008304574274,"num_words":33,"start":736.96497,"end":754.00995},{"sentences":[{"text":"So it basically goes from, I think, a little over $400 a year to $3.24 and much better quality as well.","start":754.00995,"end":761.23,"sentiment":"positive","sentiment_score":0.36138955326307387},{"text":"So, basically, what I'm looking to do as a plan is we'll roll the bulk of the funds across from Australian Super.","start":764.295,"end":772.075,"sentiment":"neutral","sentiment_score":0.11048115315762433},{"text":"We will have to go through a brief insurance application with you just to replace the cover, and then we can close off that account.","start":772.935,"end":780.5,"sentiment":"neutral","sentiment_score":0.050286701917648315},{"text":"Does that make sense?","start":783.36,"end":784.42,"sentiment":"neutral","sentiment_score":0.07293028570711613},{"text":"On that, the rest of the document pretty much just goes over the beneficiary nomination we were just gonna nominate Brandon for the super and the life insurance.","start":789.2,"end":797.375,"sentiment":"neutral","sentiment_score":0.18499331947948253}],"sentiment":"neutral","sentiment_score":0.16748467624187469,"num_words":100,"start":754.00995,"end":797.375},{"sentences":[{"text":"It goes through will on page 29, powers of attorney, all that kind of thing as a reminder.","start":801.755,"end":807.535,"sentiment":"neutral","sentiment_score":0.08205118423534764},{"text":"One thing I have to make you aware of as well is towards the back of the document on pages thirty six and thirty seven, there's a remuneration page for OPU.","start":811.1,"end":820.87994,"sentiment":"neutral","sentiment_score":-0.018210983624862086},{"text":"And what you'll be able to see in there so you've got the implementation fee that will charge out of the super to set everything up.","start":825.145,"end":831.48505,"sentiment":"neutral","sentiment_score":0.04761645638455565},{"text":"Same as Brandon's one, but it's just a little bit lower than his.","start":831.705,"end":834.92505,"sentiment":"neutral","sentiment_score":-0.20960244364463365},{"text":"We've got all of the insurers.","start":835.30505,"end":837.57,"sentiment":"neutral","sentiment_score":0.18419272949298224}],"sentiment":"neutral","sentiment_score":0.005646098930230166,"num_words":94,"start":801.755,"end":837.57},{"sentences":[{"text":"They do pay us 66% of the first year's premium.","start":837.57,"end":840.93,"sentiment":"neutral","sentiment_score":0.22475198805332183},{"text":"There's a bit of a commission to set it up and 22% to look after ongoing for, like, claims advice and claims assistance as well.","start":840.93,"end":850.035,"sentiment":"neutral","sentiment_score":0.10115290880203247},{"text":"So I just have to let you know that that's, I guess, what we would receive from them.","start":852.19495,"end":856.055,"sentiment":"neutral","sentiment_score":0.18265804689791468},{"text":"Cool.","start":858.995,"end":859.495,"sentiment":"positive","sentiment_score":0.4799528419971466},{"text":"Implementation is on page 38, which is essentially we'll do a bit of a rollover.","start":859.95496,"end":864.92,"sentiment":"neutral","sentiment_score":0.15608781278133393}],"sentiment":"neutral","sentiment_score":0.15776025331106738,"num_words":69,"start":837.57,"end":864.92},{"sentences":[{"text":"We'll get the application finished with one path, and then we'll move everything else across the hub, set up your beneficiaries, and send you the details for the contribution.","start":865.14,"end":874.12,"sentiment":"neutral","sentiment_score":0.17168804694866313},{"text":"How's that sound?","start":878.065,"end":879.045,"sentiment":"neutral","sentiment_score":0.13723624497652054},{"text":"Cool.","start":882.385,"end":882.885,"sentiment":"neutral","sentiment_score":0.24907895922660828},{"text":"Now, unfortunately, as far as paperwork side of things go, there's still a bunch of documents to sign off on the same as Brandon did.","start":883.505,"end":893.06,"sentiment":"neutral","sentiment_score":-0.23268566101789476},{"text":"Basically, the bottom of this document, second last page, has an authority to proceed with the advice.","start":893.06,"end":898.12,"sentiment":"neutral","sentiment_score":-0.12772380407242215}],"sentiment":"neutral","sentiment_score":-0.03131606852014859,"num_words":75,"start":865.14,"end":898.12},{"sentences":[{"text":"After we go through this one, it'll ask you to sign off on the which will update the the 30,000 there and the savings, but everything else based on that initiative maybe in July.","start":902.40497,"end":918.89,"sentiment":"neutral","sentiment_score":-0.046507000101401526},{"text":"Yeah.","start":931.44495,"end":931.845,"sentiment":"neutral","sentiment_score":0.15373101830482483},{"text":"If you can sign that one now, that'd be great.","start":931.845,"end":933.76495,"sentiment":"neutral","sentiment_score":0.2976609289646149},{"text":"It does have a risk profile at the bottom for the high growth as well with all the questions we went through.","start":933.76495,"end":940.12,"sentiment":"neutral","sentiment_score":0.01611666279760274},{"text":"Yep.","start":955.635,"end":956.115,"sentiment":"neutral","sentiment_score":0.0524207316339016}],"sentiment":"neutral","sentiment_score":0.0287660237894777,"num_words":68,"start":902.40497,"end":956.115},{"sentences":[{"text":"So, again, this one's just a little bit of a check all where we've seen the government system to see if there's anything else floating around, not that there will be.","start":956.115,"end":962.935,"sentiment":"neutral","sentiment_score":-0.022572131151513707},{"text":"Your last dormant fund was the Australian food.","start":963.875,"end":966.115,"sentiment":"neutral","sentiment_score":-0.06803203839808702},{"text":"But anyway, There's another authority just to refresh to contact them just to make it as sort of up to date as possible.","start":966.115,"end":975.46,"sentiment":"neutral","sentiment_score":0.04420606160293455},{"text":"And then what we'll do if you're comfortable, so there's a tax file number opt in for.","start":979.76,"end":985.35504,"sentiment":"neutral","sentiment_score":0.11247101338470683},{"text":"We obviously need a tax file number to do the applications.","start":985.97504,"end":989.59503,"sentiment":"neutral","sentiment_score":0.09707865999503569}],"sentiment":"neutral","sentiment_score":0.030584661460792025,"num_words":90,"start":956.115,"end":989.59503},{"sentences":[{"text":"What we normally do is I book you in for a bit of a welcome call with Maddie, and she will just go through, like, the insurance application and get your tax phone number noted down.","start":990.375,"end":1001.35,"sentiment":"neutral","sentiment_score":0.2429659797085656},{"text":"Usually, when we do that, we turn off our call recordings and things like that just to make sure it's nice and safe.","start":1002.45,"end":1007.925,"sentiment":"neutral","sentiment_score":0.08925749474893445},{"text":"Cool.","start":1011.52496,"end":1012.02496,"sentiment":"positive","sentiment_score":0.4909919500350952},{"text":"The last two is pretty much just the super application, which, again, the buttons will kind of bring you to each spot, and the last one is just the insurance quote.","start":1012.245,"end":1021.05,"sentiment":"neutral","sentiment_score":0.26932549524691796},{"text":"So once you get to the very end, it'll have, like, a validate button.","start":1061.095,"end":1064.635,"sentiment":"neutral","sentiment_score":0.12269023965512003}],"sentiment":"neutral","sentiment_score":0.20340422196757227,"num_words":105,"start":990.375,"end":1064.635},{"sentences":[{"text":"So it sometimes hangs for a good thirty, forty seconds if there's a lot of documents and pages just because the the product documents is about 1,200 pages in addition.","start":1068.615,"end":1077.38,"sentiment":"neutral","sentiment_score":-0.00009684167647113402},{"text":"I'll just give that a quick moment.","start":1078.0801,"end":1079.86,"sentiment":"neutral","sentiment_score":0.069384118275983},{"text":"Yeah.","start":1080.56,"end":1080.8,"sentiment":"neutral","sentiment_score":0.07748444378376007},{"text":"So that's why I've just attached them as PDF just to sort of save lagging the system a little bit.","start":1080.8,"end":1085.9551,"sentiment":"neutral","sentiment_score":0.0828085521236062},{"text":"No worries.","start":1091.615,"end":1092.355,"sentiment":"neutral","sentiment_score":0.14988400042057037}],"sentiment":"neutral","sentiment_score":0.0419367844122462,"num_words":60,"start":1068.615,"end":1092.355},{"sentences":[{"text":"Linda, the last couple of things I wanted to just quickly run by you, if this is okay too, is just in terms of your the passport that we certified.","start":1092.5751,"end":1104.1099,"sentiment":"neutral","sentiment_score":0.12688398063182832},{"text":"Because of the new anti money laundering laws, we have to spin that document through a a safe ID check where it kind of pings a few government systems just to make sure there's no, you know, links to terrorism or anything like that.","start":1104.8899,"end":1119.5449,"sentiment":"neutral","sentiment_score":0.10917207480154255},{"text":"Do you have about two minutes to go through a safe ID check with me today?","start":1120.725,"end":1124.97,"sentiment":"neutral","sentiment_score":0.1744612450711429},{"text":"Oh, so as soon as that one comes through, what I'm basically doing while that's loading, and that has come through sign.","start":1128.1699,"end":1133.77,"sentiment":"neutral","sentiment_score":0.11989135803146796},{"text":"Thank you for that.","start":1133.77,"end":1134.83,"sentiment":"positive","sentiment_score":0.7107991129159927}],"sentiment":"neutral","sentiment_score":0.1455368703423903,"num_words":116,"start":1092.5751,"end":1134.83},{"sentences":[{"text":"I'm basically just putting in here your consent to go through the it's f triple a safe ID.","start":1136.09,"end":1142.475,"sentiment":"neutral","sentiment_score":0.18432071722216076},{"text":"It's essentially the financial advisers association.","start":1142.615,"end":1146.475,"sentiment":"neutral","sentiment_score":0.11679951970775922},{"text":"They've kind of put this system together for the new laws.","start":1147.015,"end":1149.835,"sentiment":"neutral","sentiment_score":0.16480922563509506},{"text":"So what I'll do is I'm gonna send you a link, safe ID link.","start":1153.415,"end":1160.0599,"sentiment":"neutral","sentiment_score":0.16890074419123785},{"text":"I'm just going through the system now.","start":1160.6799,"end":1162.5399,"sentiment":"neutral","sentiment_score":0.1517057716846466}],"sentiment":"neutral","sentiment_score":0.1653218273339527,"num_words":56,"start":1136.09,"end":1162.5399},{"sentences":[{"text":"Email address.","start":1162.9199,"end":1163.82,"sentiment":"neutral","sentiment_score":0.10552125424146652},{"text":"You'll get it's like a blue email with an invitation link.","start":1165.64,"end":1168.755,"sentiment":"neutral","sentiment_score":0.16466407816518436},{"text":"And that should be coming through to you pretty soon.","start":1172.355,"end":1175.575,"sentiment":"neutral","sentiment_score":0.26740110814571383},{"text":"Alright.","start":1182.755,"end":1183.255,"sentiment":"neutral","sentiment_score":0.1434234231710434},{"text":"That's just popped out of the system to your email address.","start":1183.3151,"end":1186.5,"sentiment":"neutral","sentiment_score":0.0895850658416748}],"sentiment":"neutral","sentiment_score":0.16643478849104473,"num_words":35,"start":1162.9199,"end":1186.5},{"sentences":[{"text":"If you do have the passport handy on you, it'll ask you to kind of punch in the detail.","start":1193.12,"end":1199.3,"sentiment":"neutral","sentiment_score":0.09215501009633667},{"text":"You could actually use the Australian license too if you want.","start":1219.37,"end":1222.59,"sentiment":"neutral","sentiment_score":-0.008736768568103964},{"text":"It'll do the a similar thing.","start":1223.05,"end":1224.83,"sentiment":"neutral","sentiment_score":0.013230150255064169},{"text":"Yeah.","start":1225.525,"end":1225.765,"sentiment":"neutral","sentiment_score":0.027291499078273773},{"text":"They can use either one.","start":1225.765,"end":1227.225,"sentiment":"neutral","sentiment_score":0.01954616717994213}],"sentiment":"neutral","sentiment_score":0.044267713668800536,"num_words":42,"start":1193.12,"end":1227.225},{"sentences":[{"text":"Yep.","start":1232.405,"end":1232.725,"sentiment":"neutral","sentiment_score":0.19404856860637665},{"text":"That'll be great.","start":1232.725,"end":1233.365,"sentiment":"positive","sentiment_score":0.4088830053806305},{"text":"So what will basically happen is you select the type of ID, whether it's passport or license.","start":1233.365,"end":1239.465,"sentiment":"neutral","sentiment_score":0.12072910587577258},{"text":"Yeah.","start":1248.4501,"end":1248.8501,"sentiment":"neutral","sentiment_score":0.11253497749567032},{"text":"Yep.","start":1248.8501,"end":1249.3501,"sentiment":"neutral","sentiment_score":0.14614824950695038}],"sentiment":"neutral","sentiment_score":0.16225111354952274,"num_words":23,"start":1232.405,"end":1249.3501},{"sentences":[{"text":"Which is Louise.","start":1251.0901,"end":1252.31,"sentiment":"neutral","sentiment_score":0.09536071866750717},{"text":"Correct.","start":1252.37,"end":1252.815,"sentiment":"neutral","sentiment_score":0.11269274353981018},{"text":"Perfect.","start":1352.59,"end":1352.99,"sentiment":"positive","sentiment_score":0.6740313768386841},{"text":"So that comes through to me.","start":1352.99,"end":1355.895,"sentiment":"positive","sentiment_score":0.3628600835800171},{"text":"It's just updating all the details there.","start":1355.895,"end":1358.395,"sentiment":"neutral","sentiment_score":0.25806001893111635}],"sentiment":"neutral","sentiment_score":0.2809103839099407,"num_words":18,"start":1251.0901,"end":1358.395},{"sentences":[{"text":"Just quickly on it, it's come through with the middle name spelled with Louise with an r instead of an e at the end.","start":1362.0549,"end":1368.3501,"sentiment":"neutral","sentiment_score":0.11417950635465483},{"text":"What I'll do is yeah.","start":1374.65,"end":1377.4501,"sentiment":"neutral","sentiment_score":-0.04673960134387016},{"text":"Absolutely.","start":1377.4501,"end":1377.9501,"sentiment":"neutral","sentiment_score":0.27722910046577454},{"text":"This is my first time doing a redo, so I'm just gonna hit send invite.","start":1378.01,"end":1381.79,"sentiment":"neutral","sentiment_score":0.18283571898937226},{"text":"It may just do another link.","start":1383.105,"end":1384.305,"sentiment":"neutral","sentiment_score":-0.0044066146947443485}],"sentiment":"neutral","sentiment_score":0.10784186946922074,"num_words":51,"start":1362.0549,"end":1384.305},{"sentences":[{"text":"I do apologize.","start":1384.305,"end":1386.7051,"sentiment":"neutral","sentiment_score":-0.0964156724512577},{"text":"My first time on a second.","start":1386.7051,"end":1388.145,"sentiment":"neutral","sentiment_score":-0.1020736638456583},{"text":"Yeah.","start":1388.145,"end":1388.645,"sentiment":"neutral","sentiment_score":-0.002363484352827072},{"text":"Oh, okay.","start":1392.545,"end":1393.025,"sentiment":"neutral","sentiment_score":0.02268707938492298},{"text":"Yep.","start":1393.025,"end":1393.265,"sentiment":"neutral","sentiment_score":0.04439748451113701}],"sentiment":"neutral","sentiment_score":-0.062636987807659,"num_words":13,"start":1384.305,"end":1393.265},{"sentences":[{"text":"So it generated a second email that'll come through in about ten seconds.","start":1393.265,"end":1396.4651,"sentiment":"neutral","sentiment_score":0.033128927676723555},{"text":"I do apologize.","start":1396.4651,"end":1397.2051,"sentiment":"neutral","sentiment_score":-0.013151734756926695},{"text":"And queue it up.","start":1400.62,"end":1401.9199,"sentiment":"neutral","sentiment_score":0.03968189284205437},{"text":"Seems to be a lot of people using this system this morning.","start":1404.7799,"end":1407.6799,"sentiment":"neutral","sentiment_score":0.04643825131158034},{"text":"And sent.","start":1408.62,"end":1409.445,"sentiment":"neutral","sentiment_score":-0.013339029625058174}],"sentiment":"neutral","sentiment_score":0.031780275981873274,"num_words":34,"start":1393.265,"end":1409.445},{"sentences":[{"text":"That actually comes through again.","start":1409.605,"end":1410.8049,"sentiment":"neutral","sentiment_score":-0.05339769721031189},{"text":"Apologies for that.","start":1410.8049,"end":1411.945,"sentiment":"neutral","sentiment_score":-0.18387180070082346},{"text":"And the cool thing is as soon as you input all those details, it basically just popped up to put it into the system for me, which is great.","start":1416.8849,"end":1423.71,"sentiment":"positive","sentiment_score":0.4198067306444563},{"text":"It does some funny things too.","start":1428.4299,"end":1429.7899,"sentiment":"neutral","sentiment_score":0.19412151475747427},{"text":"Like, I'll be interested to see what comes back that does check worldwide systems as well.","start":1429.7899,"end":1435.23,"sentiment":"neutral","sentiment_score":0.12815656093880534}],"sentiment":"neutral","sentiment_score":0.24696653159493107,"num_words":59,"start":1409.605,"end":1435.23},{"sentences":[{"text":"So I'm just wondering if you'll pick up anything from from Ireland or wherever.","start":1435.23,"end":1438.61,"sentiment":"neutral","sentiment_score":0.05193113109895161},{"text":"First international attempt.","start":1439.895,"end":1442.155,"sentiment":"neutral","sentiment_score":0.01515733761092027},{"text":"Absolutely.","start":1458.2899,"end":1458.7899,"sentiment":"neutral","sentiment_score":0.11741028726100922},{"text":"Alright.","start":1484.16,"end":1484.5599,"sentiment":"neutral","sentiment_score":0.12349516153335573},{"text":"That's popped up.","start":1484.5599,"end":1485.52,"sentiment":"neutral","sentiment_score":0.1711400498946508}],"sentiment":"neutral","sentiment_score":0.06940152030438185,"num_words":22,"start":1435.23,"end":1485.52},{"sentences":[{"text":"So I'll just go Perfect.","start":1485.52,"end":1493.135,"sentiment":"neutral","sentiment_score":0.2021629571914673},{"text":"So I'll just save all those details.","start":1493.135,"end":1495.155,"sentiment":"neutral","sentiment_score":0.15975934905665262},{"text":"Copy and save here.","start":1498.015,"end":1500.66,"sentiment":"neutral","sentiment_score":0.1085312981158495},{"text":"And details have matched.","start":1507.62,"end":1510.28,"sentiment":"neutral","sentiment_score":0.15350483730435371},{"text":"Thank you so much for that.","start":1510.3401,"end":1511.7201,"sentiment":"positive","sentiment_score":0.7202194631099701}],"sentiment":"neutral","sentiment_score":0.2884073672959438,"num_words":26,"start":1485.52,"end":1511.7201},{"sentences":[{"text":"Easy done.","start":1514.26,"end":1514.955,"sentiment":"positive","sentiment_score":0.6330417394638062},{"text":"So that's pretty much it.","start":1515.0349,"end":1516.075,"sentiment":"neutral","sentiment_score":0.31025931239128113},{"text":"I'll just send this off for e verification that you would take, like, fifteen minutes or so, and then we should be good to go.","start":1516.075,"end":1523.135,"sentiment":"neutral","sentiment_score":0.3074764680862427},{"text":"From here, in terms of just going through the welcome call, do you want me to set up a bit of a client password, or are you happy to do, like, three point ID checks when you call in?","start":1523.995,"end":1536.5,"sentiment":"neutral","sentiment_score":0.10906554548404156},{"text":"Yeah.","start":1540.8,"end":1541.04,"sentiment":"positive","sentiment_score":0.34820985794067383}],"sentiment":"neutral","sentiment_score":0.20980635937303305,"num_words":72,"start":1514.26,"end":1541.04},{"sentences":[{"text":"Cool.","start":1541.04,"end":1541.28,"sentiment":"positive","sentiment_score":0.4989357590675354},{"text":"So I'll just do full name, date of birth, address.","start":1541.28,"end":1543.2201,"sentiment":"neutral","sentiment_score":0.271061435341835},{"text":"We'll set up some catch ups with both of you guys as necessary.","start":1544.155,"end":1547.915,"sentiment":"neutral","sentiment_score":0.3080414098042708},{"text":"And if we ever need to do it, the individual would just stay up with you guys.","start":1547.915,"end":1550.975,"sentiment":"neutral","sentiment_score":0.2529443853041705},{"text":"Do you have any time today to go through the sort of welcome call application for the insurance?","start":1554.795,"end":1561.16,"sentiment":"neutral","sentiment_score":0.2675531845953729}],"sentiment":"neutral","sentiment_score":0.2767813612343901,"num_words":59,"start":1541.04,"end":1561.16},{"sentences":[{"text":"Would you want me to just book something in for for next week?","start":1561.16,"end":1563.9,"sentiment":"neutral","sentiment_score":0.12446741874401386},{"text":"Usually, about twenty twenty minutes.","start":1568.2001,"end":1570.035,"sentiment":"neutral","sentiment_score":0.018236127868294715},{"text":"You're right.","start":1582.2101,"end":1588.15,"sentiment":"neutral","sentiment_score":-0.07227879762649536},{"text":"Yep.","start":1594.37,"end":1594.87,"sentiment":"neutral","sentiment_score":0.07742497324943542},{"text":"Hey.","start":1595.17,"end":1595.655,"sentiment":"neutral","sentiment_score":0.10839852690696716}],"sentiment":"neutral","sentiment_score":0.07956922672350299,"num_words":22,"start":1561.16,"end":1595.655},{"sentences":[{"text":"Yeah.","start":1597.015,"end":1597.3351,"sentiment":"neutral","sentiment_score":0.20735320448875427},{"text":"Absolutely.","start":1597.3351,"end":1597.8351,"sentiment":"positive","sentiment_score":0.3562118709087372},{"text":"We do have staff that start early in the mornings and finish late at night kind of thing.","start":1598.135,"end":1602.935,"sentiment":"neutral","sentiment_score":0.21974964274300468},{"text":"What would be good for the day and time for you?","start":1602.935,"end":1605.515,"sentiment":"neutral","sentiment_score":0.12045885216106068},{"text":"Perfect.","start":1617.11,"end":1617.61,"sentiment":"neutral","sentiment_score":0.23540759086608887}],"sentiment":"neutral","sentiment_score":0.18998480029404163,"num_words":32,"start":1597.015,"end":1617.61},{"sentences":[{"text":"Can I put it in for, like, Tuesday, 10:00?","start":1620.31,"end":1623.075,"sentiment":"neutral","sentiment_score":0.07491825686560737},{"text":"O'clock?","start":1625.715,"end":1626.0349,"sentiment":"neutral","sentiment_score":0.11510050296783449},{"text":"Awesome.","start":1626.0349,"end":1626.355,"sentiment":"positive","sentiment_score":0.41810667514801025},{"text":"That way, I'll be in office then as well.","start":1626.355,"end":1627.955,"sentiment":"neutral","sentiment_score":0.2883322404490577},{"text":"So if anything pops up, I can jump on the phone to you as well.","start":1627.955,"end":1631.0149,"sentiment":"neutral","sentiment_score":0.27100931803385414}],"sentiment":"neutral","sentiment_score":0.22478861212730408,"num_words":35,"start":1620.31,"end":1631.0149},{"sentences":[{"text":"Awesome.","start":1633.235,"end":1633.715,"sentiment":"positive","sentiment_score":0.5128376483917236},{"text":"So I'll send this off to Maddie just to process and and get everything moving.","start":1633.715,"end":1637.335,"sentiment":"positive","sentiment_score":0.4205635845661163},{"text":"She'll give you a call Tuesday morning.","start":1638.15,"end":1640.31,"sentiment":"neutral","sentiment_score":0.30032997471945627},{"text":"If you need anything else, just give us a callback.","start":1640.31,"end":1642.49,"sentiment":"neutral","sentiment_score":0.2524148181080818},{"text":"Awesome, Linda.","start":1645.03,"end":1646.01,"sentiment":"positive","sentiment_score":0.8473568856716156}],"sentiment":"positive","sentiment_score":0.3754989483526775,"num_words":35,"start":1633.235,"end":1646.01},{"sentences":[{"text":"No worries at all.","start":1646.7101,"end":1647.51,"sentiment":"positive","sentiment_score":0.3859480246901512},{"text":"Any questions before I let you go?","start":1647.51,"end":1649.13,"sentiment":"neutral","sentiment_score":0.17648590888295854},{"text":"Alrighty, mate.","start":1653.385,"end":1653.865,"sentiment":"positive","sentiment_score":0.4440886974334717},{"text":"You guys have a fantastic weekend, and I'll put you there.","start":1653.865,"end":1656.6849,"sentiment":"positive","sentiment_score":0.6368365843187679},{"text":"Thanks, mate.","start":1659.705,"end":1660.345,"sentiment":"positive","sentiment_score":0.6184884905815125}],"sentiment":"positive","sentiment_score":0.45805962555683577,"num_words":26,"start":1646.7101,"end":1660.345},{"sentences":[{"text":"Bye.","start":1660.345,"end":1660.845,"sentiment":"positive","sentiment_score":0.3772062063217163}],"sentiment":"positive","sentiment_score":0.3772062063217163,"num_words":1,"start":1660.345,"end":1660.845}]}}]},{"alternatives":[{"transcript":"Hello? I'm good. How are you? It's gorgeous. Yeah. It actually is beautiful over here. It's really nice. Mhmm. Yeah. Yeah. That's fine. Yep. That yeah. Yeah. That's fine. Yes. Okay. Okay. Right. Okay. Yeah. No. Everything's going great. Yeah. No. We're just we're getting busy and just sort of, you know well, we're like I said, we're paying ourselves now. Just trying to get, you know, ahead of the mortgage application come January. Do you know? So we're just, yeah, we're just taking along now, I suppose. You know, just doing what doing what we need to do. It is. It is. It has gone good. Yeah. I'm doing the admin, and Brandon is obviously you know, he's working away on-site. And so yeah. So that's yeah. That's how we're we're doing it now. Okay. One second. One second. I'll just open my emails. Okay. Sign documents. Yep. Yeah. I can see that. So I'll just then click to start. Yep. Okay. Yep. Mhmm. Okay. Okay. Yep. Okay. Okay. Yep. Yep. Yep. Yeah. And I do do savings per week. Sorry. I've got this all through. Yeah. I do do savings per week, but I don't know if it's gonna be a big amount to, you know, show. I just put 60 quid a week away. Yeah. We invested in 30,000. No. Sorry. That doesn't include the van. Oh, no. It does. Let me think. Come on. Yes. So when we first set up the company, we put 30,000 into the bank account. Yeah. Yeah. Yeah. Yeah. We don't have a loan. Yeah. Yeah. Yeah. So I think we do we take, like, directors wrong then? Or do you, you know, you take that back when when the company is in a better position? Yeah. Yeah. Exactly. Yep. Mhmm. Okay. Okay. Mhmm. Yep. Yep. Okay. Okay. Yep. Okay. Okay. Yep. Yep. Oh, yeah. Yep. Okay. Okay. Yep. Okay. Okay. Okay. No. No. That seems fine. Yep. Yep. Okay. Okay. Okay. So yeah. What what does that mean? Okay. Yep. Okay. Okay. Okay. Yeah. Whatever you yeah. Okay. Okay. Yep. Okay. Yep. Okay. Okay. Okay. Yep. Yep. That's fine. Yep. Okay. Oh, yeah. Yep. Okay. Yep. Okay. Okay. Yeah. Okay. Yeah. That's fine. K. Okay. Alright. Yeah. No. That sounds fine. Yep. Yep. Yep. Alright. So don't sign this one now. I think it's about to bring me on to the next. So I'm on the I'm on the fax find now? Okay. Alright. Okay. Yep. K. Next account. Okay. I'm on the authorization to search for lost super. Yeah. Okay. Okay. Next up. Okay. Yeah. Okay. Yeah. That's fine. Yep. Perfect. Okay. K. Alright. Illustration summary. Okay. Alright. Okay. I think that is done. Alright. Yep. I'll just press that. Oh, really? Okay. Okay. It's just loading. Okay. Yeah. Mhmm. Okay. That's fine. Yep. Alright. Okay. Okay. Okay. Oh, yeah. Yeah. Start the process. Okay. Oh, let me see. I'm I'm not at the house. Let me see. I've got a picture of my passport. Second. It's not I actually have my driver's license on me. I got my Australian one, but I I won't use that now. Okay. Alright. Okay. Yeah. Alright. Let's let's do the the license because I have that on me. Okay. Okay. Now oh, I'm gonna put my middle name in because it's on my license and Louise. It works. Yep. Merch. Type in your address. New. K. Current citizenship. Are you a sole trader? No. No. I don't have an ABN. Add driver's license. License number. Okay. Expiry. Two minutes. July. Alright. So July, so 2021. Okay. Next. Okay. That's being verified. Oh, shit. Can I oh, shut up? And can I redo that or the okay? Okay. No. That's alright. I don't know how I do. Okay. It's alright now. That is good, isn't it? K. Verify. Oh, ring. Oh, ring. Patient. As far as I know, I've got no criminal record or anything like that. You know? Be interested to see what comes like. Let's see. Alright. Let me check all the details that ring. Okay. The same Linda Linda Louise. Right. Okay. Yep. Done. Yes. Yeah. The three point is fine. Yep. Yep. Yep. Perfect. How long would it take? Okay. I'm just up at where am I now? I'm at oh god. What's the name of it? I'm at some shopping center. Well, there's my head's gone completely blank there. I forgot where I am. Yeah. So I'm just here to do the finish. I will be home later, but we can book it in we can book it in early next week if that's better. Okay. Like, 10:00 is good for me. Ten to eleven. Yeah. Just have to get me morning, dawn, and that. And, yeah, I'm I'm free between ten to eleven. Yeah. Onwards. But yeah. From that time. Yeah. That'd be perfect. Yeah. Brilliant. Thanks, Tammy. I appreciate that. None none so far. No. No. You too. Alright. Thanks very much. Talk soon. Bye. 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I'm good. How are you? It's gorgeous. Yeah.\n\nIt actually is beautiful over here. It's really nice. Mhmm. Yeah. Yeah.\n\nThat's fine. Yep. That yeah. Yeah. That's fine.\n\nYes. Okay. Okay. Right. Okay.\n\nYeah. No. Everything's going great. Yeah. No.\n\nWe're just we're getting busy and just sort of, you know well, we're like I said, we're paying ourselves now. Just trying to get, you know, ahead of the mortgage application come January. Do you know? So we're just, yeah, we're just taking along now, I suppose. You know, just doing what doing what we need to do.\n\nIt is. It is. It has gone good. Yeah. I'm doing the admin, and Brandon is obviously you know, he's working away on-site.\n\nAnd so yeah. So that's yeah. That's how we're we're doing it now. Okay. One second.\n\nOne second. I'll just open my emails. Okay. Sign documents. Yep.\n\nYeah. I can see that. So I'll just then click to start. Yep. Okay.\n\nYep. Mhmm. Okay. Okay. Yep.\n\nOkay. Okay. Yep. Yep. Yep.\n\nYeah. And I do do savings per week. Sorry. I've got this all through. Yeah.\n\nI do do savings per week, but I don't know if it's gonna be a big amount to, you know, show. I just put 60 quid a week away. Yeah. We invested in 30,000. No.\n\nSorry. That doesn't include the van. Oh, no. It does. Let me think.\n\nCome on. Yes. So when we first set up the company, we put 30,000 into the bank account. Yeah. Yeah.\n\nYeah. Yeah. We don't have a loan. Yeah. Yeah.\n\nYeah. So I think we do we take, like, directors wrong then? Or do you, you know, you take that back when when the company is in a better position? Yeah. Yeah.\n\nExactly. Yep. Mhmm. Okay. Okay.\n\nMhmm. Yep. Yep. Okay. Okay.\n\nYep. Okay. Okay. Yep. Yep.\n\nOh, yeah. Yep. Okay. Okay. Yep.\n\nOkay. Okay. Okay. No. No.\n\nThat seems fine. Yep. Yep. Okay. Okay.\n\nOkay. So yeah. What what does that mean? Okay. Yep.\n\nOkay. Okay. Okay. Yeah. Whatever you yeah.\n\nOkay. Okay. Yep. Okay. Yep.\n\nOkay. Okay. Okay. Yep. Yep.\n\nThat's fine. Yep. Okay. Oh, yeah. Yep.\n\nOkay. Yep. Okay. Okay. Yeah.\n\nOkay. Yeah. That's fine. K. Okay.\n\nAlright. Yeah. No. That sounds fine. Yep.\n\nYep. Yep. Alright. So don't sign this one now. I think it's about to bring me on to the next.\n\nSo I'm on the I'm on the fax find now? Okay. Alright. Okay. Yep.\n\nK. Next account. Okay. I'm on the authorization to search for lost super. Yeah.\n\nOkay. Okay. Next up. Okay. Yeah.\n\nOkay. Yeah. That's fine. Yep. Perfect.\n\nOkay. K. Alright. Illustration summary. Okay.\n\nAlright. Okay. I think that is done. Alright. Yep.\n\nI'll just press that. Oh, really? Okay. Okay. It's just loading.\n\nOkay. Yeah. Mhmm. Okay. That's fine.\n\nYep. Alright. Okay. Okay. Okay.\n\nOh, yeah. Yeah. Start the process. Okay. Oh, let me see.\n\nI'm I'm not at the house. Let me see. I've got a picture of my passport. Second. It's not I actually have my driver's license on me.\n\nI got my Australian one, but I I won't use that now. Okay. Alright. Okay. Yeah.\n\nAlright. Let's let's do the the license because I have that on me. Okay. Okay. Now oh, I'm gonna put my middle name in because it's on my license and Louise.\n\nIt works. Yep. Merch. Type in your address. New.\n\nK. Current citizenship. Are you a sole trader? No. No.\n\nI don't have an ABN. Add driver's license. License number. Okay. Expiry.\n\nTwo minutes. July. Alright. So July, so 2021. Okay.\n\nNext. Okay. That's being verified. Oh, shit. Can I oh, shut up?\n\nAnd can I redo that or the okay? Okay. No. That's alright. I don't know how I do.\n\nOkay. It's alright now. That is good, isn't it? K. Verify.\n\nOh, ring. Oh, ring. Patient. As far as I know, I've got no criminal record or anything like that. You know?\n\nBe interested to see what comes like. Let's see. Alright. Let me check all the details that ring. Okay.\n\nThe same Linda Linda Louise. Right. Okay. Yep. Done.\n\nYes. Yeah. The three point is fine. Yep. Yep.\n\nYep. Perfect. How long would it take? Okay. I'm just up at where am I now?\n\nI'm at oh god. What's the name of it? I'm at some shopping center. Well, there's my head's gone completely blank there. I forgot where I am.\n\nYeah. So I'm just here to do the finish. I will be home later, but we can book it in we can book it in early next week if that's better. Okay. Like, 10:00 is good for me.\n\nTen to eleven. Yeah. Just have to get me morning, dawn, and that. And, yeah, I'm I'm free between ten to eleven. Yeah.\n\nOnwards. But yeah. From that time. Yeah. That'd be perfect.\n\nYeah. Brilliant. Thanks, Tammy. I appreciate that. None none so far.\n\nNo. No. You too. Alright. Thanks very much.\n\nTalk soon. Bye. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.92,"end":2.42,"sentiment":"neutral","sentiment_score":0.0290847085416317},{"text":"I'm good.","start":6.24,"end":6.8799996,"sentiment":"positive","sentiment_score":0.3348281532526016},{"text":"How are you?","start":6.8799996,"end":7.7,"sentiment":"neutral","sentiment_score":0.2177689125140508},{"text":"It's gorgeous.","start":12.015,"end":12.835,"sentiment":"positive","sentiment_score":0.6534734666347504},{"text":"Yeah.","start":14.575001,"end":14.815001,"sentiment":"neutral","sentiment_score":0.30435431003570557}],"sentiment":"neutral","sentiment_score":0.3292609995437993,"num_words":9,"start":1.92,"end":14.815001},{"sentences":[{"text":"It actually is beautiful over here.","start":14.815001,"end":17.235,"sentiment":"positive","sentiment_score":0.5827540258566538},{"text":"It's really 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I do do savings per week.","start":304.075,"end":306.975,"sentiment":"neutral","sentiment_score":0.11322664469480515},{"text":"Sorry.","start":308.475,"end":308.875,"sentiment":"neutral","sentiment_score":-0.05436891689896584},{"text":"I've got this all through.","start":308.875,"end":310.575,"sentiment":"neutral","sentiment_score":-0.0480389304459095},{"text":"Yeah.","start":313.53,"end":313.85,"sentiment":"neutral","sentiment_score":0.05767172947525978}],"sentiment":"neutral","sentiment_score":0.04280603056152662,"num_words":15,"start":301.195,"end":313.85},{"sentences":[{"text":"I do do savings per week, but I don't know if it's gonna be a big amount to, you know, show.","start":313.85,"end":318.75,"sentiment":"neutral","sentiment_score":0.01581922865339688},{"text":"I just put 60 quid a week 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ring.","start":1438.59,"end":1439.25,"sentiment":"neutral","sentiment_score":0.013259497936815023},{"text":"Oh, ring.","start":1439.5499,"end":1440.45,"sentiment":"neutral","sentiment_score":0.013091369066387415},{"text":"Patient.","start":1445.255,"end":1445.755,"sentiment":"neutral","sentiment_score":0.032886043190956116},{"text":"As far as I know, I've got no criminal record or anything like that.","start":1447.3351,"end":1452.2351,"sentiment":"neutral","sentiment_score":0.023331862608236924},{"text":"You know?","start":1452.8551,"end":1453.515,"sentiment":"neutral","sentiment_score":0.01897299848496914}],"sentiment":"neutral","sentiment_score":0.02143713574679125,"num_words":21,"start":1438.59,"end":1453.515},{"sentences":[{"text":"Be interested to see what comes like.","start":1454.6151,"end":1456.29,"sentiment":"neutral","sentiment_score":0.04323575645685196},{"text":"Let's see.","start":1456.93,"end":1457.67,"sentiment":"neutral","sentiment_score":0.03855440206825733},{"text":"Alright.","start":1462.8501,"end":1463.3501,"sentiment":"neutral","sentiment_score":0.09522658586502077},{"text":"Let me check all the details that ring.","start":1464.2101,"end":1466.31,"sentiment":"neutral","sentiment_score":0.06580696627497673},{"text":"Okay.","start":1469.275,"end":1469.775,"sentiment":"neutral","sentiment_score":0.06021307781338692}],"sentiment":"neutral","sentiment_score":0.05587655227435263,"num_words":19,"start":1454.6151,"end":1469.775},{"sentences":[{"text":"The same Linda Linda Louise.","start":1471.355,"end":1473.835,"sentiment":"neutral","sentiment_score":0.05011019557714462},{"text":"Right.","start":1473.835,"end":1473.995,"sentiment":"neutral","sentiment_score":0.06823999434709549},{"text":"Okay.","start":1473.995,"end":1474.495,"sentiment":"neutral","sentiment_score":0.0780956968665123},{"text":"Yep.","start":1481.515,"end":1482.015,"sentiment":"neutral","sentiment_score":0.08482670783996582},{"text":"Done.","start":1492.76,"end":1493.26,"sentiment":"neutral","sentiment_score":0.20462772250175476}],"sentiment":"neutral","sentiment_score":0.07626012216011684,"num_words":9,"start":1471.355,"end":1493.26},{"sentences":[{"text":"Yes.","start":1521.3,"end":1521.8,"sentiment":"neutral","sentiment_score":0.04956066608428955},{"text":"Yeah.","start":1536.9851,"end":1537.4851,"sentiment":"neutral","sentiment_score":0.12568055093288422},{"text":"The three point is fine.","start":1537.545,"end":1538.745,"sentiment":"neutral","sentiment_score":0.16755121797323227},{"text":"Yep.","start":1538.745,"end":1539.245,"sentiment":"neutral","sentiment_score":0.2342741936445236},{"text":"Yep.","start":1543.77,"end":1544.27,"sentiment":"neutral","sentiment_score":0.2592417001724243}],"sentiment":"neutral","sentiment_score":0.1673903556333648,"num_words":9,"start":1521.3,"end":1544.27},{"sentences":[{"text":"Yep.","start":1551.4501,"end":1551.85,"sentiment":"neutral","sentiment_score":0.3022335171699524},{"text":"Perfect.","start":1551.85,"end":1552.35,"sentiment":"positive","sentiment_score":0.6134591698646545},{"text":"How long would it take?","start":1564.705,"end":1566.005,"sentiment":"neutral","sentiment_score":0.004334929585456848},{"text":"Okay.","start":1570.3999,"end":1570.7999,"sentiment":"neutral","sentiment_score":0.03158944100141525},{"text":"I'm just up at where am I now?","start":1570.7999,"end":1574.32,"sentiment":"neutral","sentiment_score":0.009885525447316468}],"sentiment":"neutral","sentiment_score":0.06550256122136489,"num_words":16,"start":1551.4501,"end":1574.32},{"sentences":[{"text":"I'm at oh god.","start":1574.32,"end":1576.24,"sentiment":"neutral","sentiment_score":-0.03599347034469247},{"text":"What's the name of it?","start":1576.24,"end":1577.38,"sentiment":"neutral","sentiment_score":-0.015476760640740394},{"text":"I'm at some shopping center.","start":1577.52,"end":1578.975,"sentiment":"neutral","sentiment_score":-0.01623229421675205},{"text":"Well, there's my head's gone completely blank there.","start":1579.695,"end":1583.575,"sentiment":"neutral","sentiment_score":-0.16931862710043788},{"text":"I forgot where I am.","start":1583.575,"end":1585.235,"sentiment":"neutral","sentiment_score":-0.1940162628889084}],"sentiment":"neutral","sentiment_score":-0.09730183284867693,"num_words":27,"start":1574.32,"end":1585.235},{"sentences":[{"text":"Yeah.","start":1585.535,"end":1585.855,"sentiment":"neutral","sentiment_score":-0.045527469366788864},{"text":"So I'm just here to do the finish.","start":1585.855,"end":1587.5549,"sentiment":"neutral","sentiment_score":0.016834942312925705},{"text":"I will be home later, but we can book it in we can book it in early next week if that's better.","start":1588.1749,"end":1599.7001,"sentiment":"neutral","sentiment_score":0.07445601153780114},{"text":"Okay.","start":1603.68,"end":1604.18,"sentiment":"neutral","sentiment_score":0.14267168939113617},{"text":"Like, 10:00 is good for me.","start":1606.64,"end":1608.7949,"sentiment":"neutral","sentiment_score":0.13419530168175697}],"sentiment":"neutral","sentiment_score":0.07039546901183999,"num_words":38,"start":1585.535,"end":1608.7949},{"sentences":[{"text":"Ten to eleven.","start":1608.7949,"end":1609.775,"sentiment":"neutral","sentiment_score":0.07425038764874141},{"text":"Yeah.","start":1610.715,"end":1611.0349,"sentiment":"neutral","sentiment_score":0.09207698702812196},{"text":"Just have to get me morning, dawn, and that.","start":1611.0349,"end":1613.195,"sentiment":"neutral","sentiment_score":0.0914383331934611},{"text":"And, yeah, I'm I'm free between ten to eleven.","start":1613.195,"end":1615.775,"sentiment":"neutral","sentiment_score":0.09279225352737638},{"text":"Yeah.","start":1616.075,"end":1616.395,"sentiment":"neutral","sentiment_score":0.05953575298190117}],"sentiment":"neutral","sentiment_score":0.08836692101929498,"num_words":23,"start":1608.7949,"end":1616.395},{"sentences":[{"text":"Onwards.","start":1616.395,"end":1616.895,"sentiment":"neutral","sentiment_score":0.06549401581287384},{"text":"But yeah.","start":1616.955,"end":1617.855,"sentiment":"neutral","sentiment_score":0.12421261891722679},{"text":"From that time.","start":1617.995,"end":1618.975,"sentiment":"neutral","sentiment_score":0.09562973181406657},{"text":"Yeah.","start":1623.76,"end":1624.08,"sentiment":"neutral","sentiment_score":0.12086689472198486},{"text":"That'd be perfect.","start":1624.08,"end":1624.98,"sentiment":"neutral","sentiment_score":0.2312485078970591}],"sentiment":"neutral","sentiment_score":0.14154208675026894,"num_words":10,"start":1616.395,"end":1624.98},{"sentences":[{"text":"Yeah.","start":1631.36,"end":1631.86,"sentiment":"neutral","sentiment_score":0.31441086530685425},{"text":"Brilliant.","start":1643.275,"end":1643.775,"sentiment":"positive","sentiment_score":0.3416421413421631},{"text":"Thanks, Tammy.","start":1644.235,"end":1644.955,"sentiment":"positive","sentiment_score":0.778367280960083},{"text":"I appreciate that.","start":1644.955,"end":1646.015,"sentiment":"positive","sentiment_score":0.790254016717275},{"text":"None none so far.","start":1650.25,"end":1651.2899,"sentiment":"neutral","sentiment_score":0.023011768236756325}],"sentiment":"positive","sentiment_score":0.42505424469709396,"num_words":11,"start":1631.36,"end":1651.2899},{"sentences":[{"text":"No.","start":1651.2899,"end":1651.7899,"sentiment":"neutral","sentiment_score":-0.027213379740715027},{"text":"No.","start":1656.09,"end":1656.1699,"sentiment":"neutral","sentiment_score":0.04404790699481964},{"text":"You too.","start":1656.1699,"end":1656.9099,"sentiment":"neutral","sentiment_score":0.12852484732866287},{"text":"Alright.","start":1657.21,"end":1657.61,"sentiment":"neutral","sentiment_score":0.29458755254745483},{"text":"Thanks very much.","start":1657.61,"end":1658.6699,"sentiment":"positive","sentiment_score":0.7627642552057902}],"sentiment":"positive","sentiment_score":0.357095567509532,"num_words":8,"start":1651.2899,"end":1658.6699},{"sentences":[{"text":"Talk soon.","start":1659.0499,"end":1659.87,"sentiment":"positive","sentiment_score":0.422051802277565},{"text":"Bye.","start":1660.97,"end":1661.2899,"sentiment":"neutral","sentiment_score":0.1724366992712021},{"text":"Bye.","start":1661.2899,"end":1661.7899,"sentiment":"neutral","sentiment_score":-0.09662457555532455}],"sentiment":"neutral","sentiment_score":0.22997893206775188,"num_words":4,"start":1659.0499,"end":1661.7899}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good morning, Linda. It's Tommy here. How are you doing?\n\nChannel 1: I'm good. How are you?\n\nChannel 0: I'm doing absolutely fantastic. It's a beautiful rainy day.\n\nChannel 1: It's\n\nChannel 0: Nice\n\nChannel 1: gorgeous.\n\nChannel 0: and cozy. What about your end?\n\nChannel 1: Yeah. It actually is beautiful over here. It's really nice.\n\nChannel 0: Awesome. Awesome. I've got you with these documents to send through for super.\n\nChannel 1: Mhmm.\n\nChannel 0: Have I got a bit of time with you this morning?\n\nChannel 1: Yeah. Yeah. That's fine. Yep.\n\nChannel 0: Perfect. Perfect. Just double checking too. So with the email addresses, are you okay to use the BTS Gmail for your main\n\nChannel 1: That\n\nChannel 0: email?\n\nChannel 1: yeah. Yeah. That's fine.\n\nChannel 0: Perfect. Will you get a look onto the documents with me today?\n\nChannel 1: Yes.\n\nChannel 0: Awesome. Alright. So I'll get it sent through just as a bit of a heads up. There's about seven attachments that come along\n\nChannel 1: Okay.\n\nChannel 0: with it, just product documents, and\n\nChannel 1: Okay.\n\nChannel 0: the rest of it is all actually inside the digital email system.\n\nChannel 1: Right. Okay.\n\nChannel 0: Awesome. So just while that's coming through, how's everything going with Brandon, you guys, and the business?\n\nChannel 1: Yeah. No. Everything's going great. Yeah. No.\n\nWe're just we're getting busy and just sort of, you know well, we're like I said, we're paying ourselves now. Just trying to get, you know, ahead of the mortgage application come January. Do you know? So we're just, yeah, we're just taking along now, I suppose. You know, just doing what doing what we need to do.\n\nChannel 0: Fantastic. So mortgage application January, business is there. Got a bit of cash flow going. Seems like it's all going pretty well.\n\nChannel 1: It is. It is. It has gone good.\n\nChannel 0: And with the the way you've got the business structured, so how are you guys kind of splitting the the duties within the business? Are you just kind of doing, like, the admin side of things? Or\n\nChannel 1: Yeah. I'm doing the admin, and Brandon is obviously you know, he's working away on-site. And so yeah. So that's yeah. That's how we're we're doing it now.\n\nChannel 0: perfect. Alright. When that email comes through to you, it should be a signature request for statement of advice.\n\nChannel 1: Okay.\n\nChannel 0: And\n\nChannel 1: One second.\n\nChannel 0: it may go through your spam folder for the first time, but it should go to the main inbox most of the time.\n\nChannel 1: One second. I'll just open my emails.\n\nChannel 0: No worries at all.\n\nChannel 1: Okay. Sign documents.\n\nChannel 0: Yeah. So if you hit that button, it'll bring it open the the five documents to go through together with me today.\n\nChannel 1: Yep.\n\nChannel 0: And you should see, like, a Gold Coast beachfront city picture, same cover page as the Brandon's statement of advice.\n\nChannel 1: Yeah. I can see that. So I'll just\n\nChannel 0: Perfect.\n\nChannel 1: then click to start.\n\nChannel 0: Cool. Now when it goes quick to start, it might start dragging you down to, like, signature spot, but I just\n\nChannel 1: Yep.\n\nChannel 0: wanted to just scroll through the document with you if you can.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Perfect. And just to let you know as well, so after the statement of advice, there is, like, the back line with your details in there, a few authorizations, applications, and quotes, and things like that. But I just wanna scroll through this one with you first.\n\nChannel 1: Mhmm. Okay.\n\nChannel 0: If you go down to pages three and four for me, you should see the scope of advice. Cool. So just as a reminder, we've got your kind of overarching goal as a couple to retire early at age 60, and that million dollars, and, obviously, this advice is around reviewing the sofa.\n\nChannel 1: Okay.\n\nChannel 0: Now with the contributions, so they've activated some default insurances inside your Australian super.\n\nChannel 1: Yep.\n\nChannel 0: Just a bit of life taken in income protection, so I have just addressed that in this document as well just to try and get the premiums down a little bit. And as a reminder, we weren't doing anything crazy insurance wise. It would just replace anything that\n\nChannel 1: Okay.\n\nChannel 0: you've got. So if you go down past there, so estate planning, we'll make sure we've got the beneficiary nominations set up under all the new accounts and everything. And then on pages five and six, you'll see what's not in this document.\n\nChannel 1: Okay.\n\nChannel 0: And, of course, we're not doing any investment advice right now. Just focusing on the business, the home purchase, and everything, but that's being handled already.\n\nChannel 1: Yep.\n\nChannel 0: Cool. If you swing by for me on pages seven and eight, it's got the details that we captured.\n\nChannel 1: Yep.\n\nChannel 0: One thing I'll quickly update. So I've added in the income. I think you've put 47,500 for\n\nChannel 1: Yep.\n\nChannel 0: the income wages that you're drawing.\n\nChannel 1: Yeah. And\n\nChannel 0: Alrighty.\n\nChannel 1: I do do savings per week. Sorry. I've got this all through. Yeah. I do do savings per week, but I don't know if it's gonna be a big amount to, you know, show.\n\nI just put 60\n\nChannel 0: That's\n\nChannel 1: quid\n\nChannel 0: right.\n\nChannel 1: a week\n\nChannel 0: Is\n\nChannel 1: away.\n\nChannel 0: it 60? Easy done. I'll update that on the system just a bit of a build the savings up. And\n\nChannel 1: Yeah.\n\nChannel 0: in terms of the assets and liabilities, so obviously, since you guys have bought the business, I'm just wondering how much of the cash you guys have to throw in for the business purchase.\n\nChannel 1: We invested in 30,000. No. Sorry. That doesn't include the van. Oh, no.\n\nIt does. Let me think. Come on. Yes. So when we first set up the company, we put 30,000 into the bank account.\n\nChannel 0: Cool. Okay. So as far as overall assets, should I just go 30,000 was, I guess, deposit to the business, 800,000 is still sitting in cash approximately.\n\nChannel 1: Yeah. Yeah. Yeah. Yeah.\n\nChannel 0: That was sitting in cash. And just in terms of business lines, do you know overall how much the the loan is for?\n\nChannel 1: We don't have a loan.\n\nChannel 0: No loans. Just threw the cash in and then just\n\nChannel 1: Yeah.\n\nChannel 0: operating it. Beautiful.\n\nChannel 1: Yeah. Yeah. So I think we\n\nChannel 0: Alrighty.\n\nChannel 1: do we take, like, directors wrong then? Or do you, you know, you take that back when when the company is in a better position?\n\nChannel 0: Yeah. Yep. Let\n\nChannel 1: Yeah.\n\nChannel 0: it kind of get into that cash flow positive and and\n\nChannel 1: Yeah.\n\nChannel 0: build up where it needs to be, sort out taxes first, and then\n\nChannel 1: Exactly.\n\nChannel 0: work out with an accountant when you start drawing down.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. I have just flagged in here the the insurance since they got activated into the Australian super.\n\nChannel 1: Mhmm.\n\nChannel 0: One thing I'll just quickly mention too. So they've set you up actually too much cover compared to the income that you're drawing.\n\nChannel 1: Okay.\n\nChannel 0: So I'm just trimming that down a tiny bit because you wouldn't be able to claim on a portion of that.\n\nChannel 1: Okay.\n\nChannel 0: Cool. If you swing down past there, so if you remember, we're just going high growth with your risk profile, same Brandon's,\n\nChannel 1: Mhmm.\n\nChannel 0: and you guys are still pretty keen to just maximize the return.\n\nChannel 1: Yep.\n\nChannel 0: Cool. If you go down past there, so the the tech heavy page on page eleven and twelve for the strategy recommendation.\n\nChannel 1: Yep.\n\nChannel 0: And same thing. So we're recommending, obviously, to switch across into Hub. And then once you guys are both across, I wanna link up both the super accounts for the family fee linking, and\n\nChannel 1: Okay.\n\nChannel 0: that way you start getting those discounts on the admin fees.\n\nChannel 1: Okay. Yep.\n\nChannel 0: So ETFs mainly for the investments just like we talked about, same portfolio recommended for both of you guys.\n\nChannel 1: Okay.\n\nChannel 0: And there's a bit of an advantage disadvantage is payable on pages twelve and thirteen. I guess the kind of long and short of it is we're still doing that blend of active and passive investments using ETF, and there's a bit of brokerage fees to purchase them. And then once you guys have got them, it's, like, the lowest fees to have ongoing. Cool.\n\nChannel 1: Okay. Yep.\n\nChannel 0: If you swing down a little bit further, I'm just gonna go through a couple of these details with you on pages fifteen and sixteen. There's just a couple of tables there, like a fee comparison.\n\nChannel 1: Yep.\n\nChannel 0: So what I've included here is just that the onboarding fee for implementation at the top right. We've got a little bit more expensive admin fees compared to Australian Subaru, obviously, because it's the wrap platform. You're kind of going from a Corolla to a Lamborghini. Investment fees will go down. We'll be putting the above fee.\n\nI've applied that couple discount that I was talking to you guys about, one\n\nChannel 1: Oh,\n\nChannel 0: point\n\nChannel 1: yeah.\n\nChannel 0: 1% for both of you guys.\n\nChannel 1: Yep.\n\nChannel 0: So if I need to update that with Brendan, I will send that through to him straight away as well. And\n\nChannel 1: Okay.\n\nChannel 0: at the bottom, we've got the return average as well.\n\nChannel 1: Okay.\n\nChannel 0: And you'll see five year rolling average. We go from eight to 12 and a half. That's that's your average.\n\nChannel 1: Yep.\n\nChannel 0: Just based on the projections for the contributions that you are doing now, you're probably looking at between $2,250,000 in ten years. Obviously, if that increases, we'll we'll update the plan, but this is just based on what you're drawing out currently, the returns, fees, premiums, all that\n\nChannel 1: Okay.\n\nChannel 0: kind of thing. Cool. Returns on the next page just shows you one, three, five, and ten years. And just quickly on page 17, you'll see an investment table.\n\nChannel 1: Okay.\n\nChannel 0: K? So this is that switch into hub. And, again, same portfolio, all ETFs. Aufiniti is your active satellite there, and that's all the options that we're recommending for both of you guys.\n\nChannel 1: Okay.\n\nChannel 0: Cool. Any questions so far?\n\nChannel 1: No. No. That seems fine. Yep.\n\nChannel 0: Last kind of details for the super on '19, you'll see a proposed asset allocation pie chart.\n\nChannel 1: Yep.\n\nChannel 0: The quick reminder here is that because we're going for that high growth, we're gonna bump you up from that 70% growth asset to that 96, and you're pretty much gonna bounce between 90 to a 100% in, like, shares, property, and gold. When you guys are a bit\n\nChannel 1: Okay.\n\nChannel 0: closer to retirement, we'll scale that back once you Now when it comes to the insurance side of things, this is the part that I need to kind of run by you. The\n\nChannel 1: Okay.\n\nChannel 0: next page, I have recommended a replacement insurer.\n\nChannel 1: Okay. So yeah. What what does that mean?\n\nChannel 0: Cool. So you've got life disability and income protection insurance attached to Australian silver. The two\n\nChannel 1: Okay.\n\nChannel 0: options that we've got is we can either just transfer it across that you still got a little bit. It'll save a little bit on the premiums and costs, but it'll keep you kind of over insured for the income protection. So what I did was just spin through a comparison between all the background insurance, and\n\nChannel 1: Yep.\n\nChannel 0: one path was offering basically the same cover for cheaper, but with all the extra bells and little under the hood as So all the fine prints in there, a lot more options to claim on.\n\nChannel 1: Okay. Okay. Okay. Yeah. Whatever\n\nChannel 0: K.\n\nChannel 1: you\n\nChannel 0: So\n\nChannel 1: yeah.\n\nChannel 0: awesome. It's basically the same amount. 50,000 was the minimum for CBD cover, which is your disability. I think you have 45. 50 is the minimum, still cheaper.\n\nAnd $277.00 is the income protection based on 70\n\nChannel 1: Okay. Okay.\n\nChannel 0: percent.\n\nChannel 1: Yep.\n\nChannel 0: Cool. So it basically goes from, I think, a little over $400 a year to $3.24 and much better quality as well.\n\nChannel 1: Okay. Yep.\n\nChannel 0: So, basically, what I'm looking to do as a plan is we'll roll the bulk of the funds across from Australian Super. We will have to go through a brief insurance application with you just to replace the cover, and then we can close off that account.\n\nChannel 1: Okay. Okay. Okay.\n\nChannel 0: Does that make sense?\n\nChannel 1: Yep. Yep. That's fine.\n\nChannel 0: On that, the rest of the document pretty much just goes over the beneficiary nomination we were just gonna nominate Brandon for the super and the life insurance.\n\nChannel 1: Yep.\n\nChannel 0: It goes through will on page 29, powers of attorney, all that kind of thing as a reminder.\n\nChannel 1: Okay. Oh, yeah. Yep.\n\nChannel 0: One thing I have to make you aware of as well is towards the back of the document on pages thirty six and thirty seven, there's a remuneration page for OPU.\n\nChannel 1: Okay.\n\nChannel 0: And what you'll be able to see in there so you've got the implementation fee that will charge out of the super to set everything up. Same as Brandon's one, but it's just a little bit lower than his.\n\nChannel 1: Yep. Okay.\n\nChannel 0: We've got all of the insurers. They do pay us 66% of the first year's premium. There's a bit of a commission to set it up and\n\nChannel 1: Okay.\n\nChannel 0: 22% to look after ongoing for, like, claims advice and claims assistance as well.\n\nChannel 1: Yeah.\n\nChannel 0: So I just have to let you know that that's, I guess, what we would receive from them.\n\nChannel 1: Okay. Yeah. That's fine.\n\nChannel 0: Cool.\n\nChannel 1: K.\n\nChannel 0: Implementation is on page 38, which is essentially we'll do a bit of a rollover. We'll get the application finished with one path, and then we'll move everything else across the hub, set up your beneficiaries, and send you the details for the contribution.\n\nChannel 1: Okay. Alright.\n\nChannel 0: How's that sound?\n\nChannel 1: Yeah. No. That sounds fine. Yep. Yep.\n\nChannel 0: Cool. Now, unfortunately, as far as paperwork side of things go, there's still a bunch of documents to sign off on the same as Brandon did. Basically, the bottom of this document, second last page, has an authority to proceed with the advice.\n\nChannel 1: Yep.\n\nChannel 0: After we go through this one, it'll ask you to sign off on the which will update the the 30,000 there and the savings, but everything else based on that initiative maybe in July.\n\nChannel 1: Alright. So don't sign this one now. I think it's about to bring me on to the next. So I'm on the I'm on the fax find now?\n\nChannel 0: Yeah. If you can sign that one now, that'd be great. It does have\n\nChannel 1: Okay.\n\nChannel 0: a risk profile at the bottom for\n\nChannel 1: Alright.\n\nChannel 0: the\n\nChannel 1: Okay.\n\nChannel 0: high growth as well with all the questions we went through.\n\nChannel 1: Yep. K. Next account. Okay. I'm on the authorization to search for lost super.\n\nChannel 0: Yep. So, again, this one's just a little bit of a check all where we've seen the government system to see if there's anything else floating around, not that there will\n\nChannel 1: Yeah.\n\nChannel 0: be. Your last dormant fund was the Australian food. But anyway, There's another authority just to refresh to contact them just to make it as sort of up to date as possible.\n\nChannel 1: Okay.\n\nChannel 0: And\n\nChannel 1: Okay.\n\nChannel 0: then\n\nChannel 1: Next\n\nChannel 0: what\n\nChannel 1: up.\n\nChannel 0: we'll do if you're comfortable, so there's a tax file number opt in for. We obviously need a tax file number to do the applications. What we normally do is I book you in for a bit of a welcome call with Maddie, and\n\nChannel 1: Okay.\n\nChannel 0: she will just go through, like, the insurance application and get your tax phone number noted down.\n\nChannel 1: Yeah.\n\nChannel 0: Usually, when we do that, we turn off our call recordings and things like that just to make sure it's nice and safe.\n\nChannel 1: Okay. Yeah. That's fine.\n\nChannel 0: Cool.\n\nChannel 1: Yep.\n\nChannel 0: The last two is pretty much just the super application, which, again, the buttons will kind of bring you to each spot, and the last one is just the insurance quote.\n\nChannel 1: Perfect. Okay. K. Alright. Illustration summary.\n\nOkay. Alright. Okay. I think that is done.\n\nChannel 0: So\n\nChannel 1: Alright.\n\nChannel 0: once you get to the very end, it'll have, like, a validate button.\n\nChannel 1: Yep. I'll just press that.\n\nChannel 0: So it sometimes hangs for a good thirty, forty seconds if there's a lot of documents and pages just because the the product documents is about 1,200 pages in addition.\n\nChannel 1: Oh, really?\n\nChannel 0: I'll just give that a quick moment. Yeah. So that's why I've just attached them as PDF just to sort of save lagging the system a little bit.\n\nChannel 1: Okay. Okay. It's just loading. Okay.\n\nChannel 0: No worries. Linda, the last couple of things I wanted to just quickly run by you, if this is okay too, is just in terms of your the passport that\n\nChannel 1: Yeah.\n\nChannel 0: we certified. Because of the new anti money laundering laws, we have\n\nChannel 1: Mhmm.\n\nChannel 0: to spin that document through a a safe ID check where it kind of pings a few government systems just to make sure there's no, you know, links to terrorism or anything like that.\n\nChannel 1: Okay.\n\nChannel 0: Do you have about two minutes to go through a safe ID check with me today?\n\nChannel 1: That's fine. Yep.\n\nChannel 0: Oh, so as soon as that one comes through, what I'm basically doing while that's loading, and that has come through sign. Thank you for that.\n\nChannel 1: Alright.\n\nChannel 0: I'm basically just putting in here your consent to go through the it's f triple a safe ID. It's essentially the financial advisers association. They've kind of put this system together for the new laws.\n\nChannel 1: Okay. Okay.\n\nChannel 0: So what I'll do is I'm gonna send you a link, safe ID link. I'm just going through the system now. Email address. You'll get it's like a blue email with an invitation link.\n\nChannel 1: Okay.\n\nChannel 0: And that should be coming through to you pretty soon. Alright. That's just\n\nChannel 1: Oh, yeah.\n\nChannel 0: popped out of the system to your email address.\n\nChannel 1: Yeah. Start the process. Okay.\n\nChannel 0: If you do have the passport handy on you, it'll ask you to kind of punch in the detail.\n\nChannel 1: Oh, let me see. I'm I'm not at the house. Let me see. I've got a picture of my passport. Second.\n\nIt's not I actually have my driver's license on me. I got my Australian one, but I I won't use that now.\n\nChannel 0: You could actually use the Australian license too if you want.\n\nChannel 1: Okay.\n\nChannel 0: It'll do the a similar thing.\n\nChannel 1: Alright. Okay.\n\nChannel 0: Yeah. They\n\nChannel 1: Yeah.\n\nChannel 0: can use either one.\n\nChannel 1: Alright. Let's let's do the the license because I have that on me. Okay.\n\nChannel 0: Yep. That'll be great. So what will basically happen is you select the type of ID, whether it's passport or license.\n\nChannel 1: Okay. Now oh, I'm gonna put my middle name in because it's on my license and Louise.\n\nChannel 0: Yeah. Yep.\n\nChannel 1: It works.\n\nChannel 0: Which is Louise. Correct.\n\nChannel 1: Yep. Merch. Type in your address. New. K.\n\nCurrent citizenship. Are you a sole trader? No. No. I don't have an ABN.\n\nAdd driver's license. License number. Okay. Expiry. Two minutes.\n\nJuly. Alright. So July, so 2021. Okay. Next.\n\nOkay. That's being verified.\n\nChannel 0: Perfect. So that comes through to me. It's just updating all the details there. Just quickly on it, it's come through with the middle name spelled with Louise with an r instead of an e at the end.\n\nChannel 1: Oh, shit. Can I oh, shut up? And can I redo\n\nChannel 0: What I'll\n\nChannel 1: that\n\nChannel 0: do\n\nChannel 1: or the\n\nChannel 0: is yeah. Absolutely. This is my first time doing a redo, so I'm just gonna hit\n\nChannel 1: okay?\n\nChannel 0: send invite.\n\nChannel 1: Okay.\n\nChannel 0: It may just do another link. I do\n\nChannel 1: No. That's alright.\n\nChannel 0: apologize.\n\nChannel 1: I don't\n\nChannel 0: My\n\nChannel 1: know\n\nChannel 0: first\n\nChannel 1: how I\n\nChannel 0: time\n\nChannel 1: do.\n\nChannel 0: on a second. Yeah. Oh, okay. Yep. So it generated a second email that'll come through in about ten seconds.\n\nI do apologize.\n\nChannel 1: Okay.\n\nChannel 0: And queue it up. Seems to be a lot of people using this system this morning. And sent. That actually comes through again. Apologies for that.\n\nChannel 1: It's\n\nChannel 0: And the cool thing is as soon as you\n\nChannel 1: alright\n\nChannel 0: input all those details, it basically just popped up to\n\nChannel 1: now.\n\nChannel 0: put it into the system for me, which is great.\n\nChannel 1: That is good, isn't it? K. Verify.\n\nChannel 0: It does some funny things too. Like, I'll be interested to see what comes back that does check worldwide systems as well. So I'm just wondering if you'll pick up anything from from Ireland or wherever.\n\nChannel 1: Oh, ring. Oh,\n\nChannel 0: First\n\nChannel 1: ring.\n\nChannel 0: international attempt.\n\nChannel 1: Patient. As far as I know, I've got no criminal record or anything like that. You know? Be interested to see what comes like. Let's see.\n\nChannel 0: Absolutely.\n\nChannel 1: Alright. Let me check all the details that ring. Okay. The same Linda Linda Louise. Right.\n\nOkay. Yep.\n\nChannel 0: Alright. That's popped up. So I'll just go Perfect.\n\nChannel 1: Done.\n\nChannel 0: So I'll just save all those details. Copy and save here. And details have matched. Thank you so much for that. Easy done.\n\nSo that's pretty much it. I'll just send this off for e verification that you would take, like, fifteen minutes or so,\n\nChannel 1: Yes.\n\nChannel 0: and then we should be good to go. From here, in terms of just going through the welcome call, do you want me to set up a bit of a client password, or are you happy to do, like, three point ID checks when you call in?\n\nChannel 1: Yeah. The three point is fine. Yep.\n\nChannel 0: Yeah. Cool. So I'll just do full name, date of birth, address.\n\nChannel 1: Yep.\n\nChannel 0: We'll set up some catch ups with both of you guys as necessary. And if we ever need to do it, the individual would just stay up with you guys.\n\nChannel 1: Yep. Perfect.\n\nChannel 0: Do you have any time today to go through the sort of welcome call application for the insurance? Would you want me to just book something in for for next week?\n\nChannel 1: How long would it take?\n\nChannel 0: Usually, about twenty twenty minutes.\n\nChannel 1: Okay. I'm just up at where am I now? I'm at oh god. What's the name of it? I'm at some shopping center.\n\nWell, there's my head's\n\nChannel 0: You're\n\nChannel 1: gone completely blank there. I forgot where I am. Yeah. So I'm just here to do the finish.\n\nChannel 0: right.\n\nChannel 1: I will be home later, but we can book it in we can book it in early next week\n\nChannel 0: Yep.\n\nChannel 1: if that's\n\nChannel 0: Hey. Yeah. Absolutely. We do have staff that\n\nChannel 1: better.\n\nChannel 0: start early in the mornings and finish late at night kind of thing. What would be good\n\nChannel 1: Okay.\n\nChannel 0: for the day and time for you?\n\nChannel 1: Like, 10:00 is good for me. Ten to eleven. Yeah. Just have to get me morning, dawn, and that. And, yeah, I'm I'm free between ten to eleven.\n\nYeah. Onwards. But\n\nChannel 0: Perfect.\n\nChannel 1: yeah. From that time.\n\nChannel 0: Can I put it in for, like, Tuesday, 10:00?\n\nChannel 1: Yeah. That'd be perfect.\n\nChannel 0: O'clock? Awesome. That way, I'll be in office then as well. So if anything pops up, I can jump on the phone to you as well.\n\nChannel 1: Yeah.\n\nChannel 0: Awesome. So I'll send this off to Maddie just to process and and get everything moving. She'll give you a call Tuesday morning. If you need anything else, just give us a callback.\n\nChannel 1: Brilliant. Thanks, Tammy. I\n\nChannel 0: Awesome,\n\nChannel 1: appreciate\n\nChannel 0: Linda.\n\nChannel 1: that.\n\nChannel 0: No worries at all. Any questions before I let you go?\n\nChannel 1: None none so far. No.\n\nChannel 0: Alrighty, mate. You guys have a fantastic weekend, and I'll put you\n\nChannel 1: No. You\n\nChannel 0: there.\n\nChannel 1: too. Alright. Thanks very much. Talk soon.\n\nChannel 0: Thanks, mate. Bye.\n\nChannel 1: Bye. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.92,"end":2.42,"sentiment":"neutral","sentiment_score":0.0290847085416317}],"sentiment":"neutral","sentiment_score":0.0290847085416317,"channel":1,"num_words":1,"start":1.92,"end":2.42},{"sentences":[{"text":"Good morning, Linda.","start":3.84,"end":4.7999997,"sentiment":"neutral","sentiment_score":0.2345570127169291},{"text":"It's Tommy here.","start":4.7999997,"end":5.52,"sentiment":"neutral","sentiment_score":0.1775504599014918},{"text":"How are you doing?","start":5.52,"end":6.42,"sentiment":"neutral","sentiment_score":0.18286390602588654}],"sentiment":"neutral","sentiment_score":0.1967778041958809,"channel":0,"num_words":10,"start":3.84,"end":6.42},{"sentences":[{"text":"I'm good.","start":6.24,"end":6.8799996,"sentiment":"positive","sentiment_score":0.3348281532526016},{"text":"How are you?","start":6.8799996,"end":7.7,"sentiment":"neutral","sentiment_score":0.2177689125140508}],"sentiment":"neutral","sentiment_score":0.2645926088094711,"channel":1,"num_words":5,"start":6.24,"end":7.7},{"sentences":[{"text":"I'm doing absolutely fantastic.","start":8.48,"end":10.179999,"sentiment":"positive","sentiment_score":0.7295843213796616},{"text":"It's a beautiful rainy day.","start":10.32,"end":11.86,"sentiment":"positive","sentiment_score":0.6753167152404785}],"sentiment":"positive","sentiment_score":0.6994356513023376,"channel":0,"num_words":9,"start":8.48,"end":11.86},{"sentences":[{"text":"It's","start":12.015,"end":12.335,"sentiment":"positive","sentiment_score":0.5622494220733643}],"sentiment":"positive","sentiment_score":0.5622494220733643,"channel":1,"num_words":1,"start":12.015,"end":12.335},{"sentences":[{"text":"Nice","start":12.24,"end":12.48,"sentiment":"positive","sentiment_score":0.7160442471504211}],"sentiment":"positive","sentiment_score":0.7160442471504211,"channel":0,"num_words":1,"start":12.24,"end":12.48},{"sentences":[{"text":"gorgeous.","start":12.335,"end":12.835,"sentiment":"positive","sentiment_score":0.7446975111961365}],"sentiment":"positive","sentiment_score":0.7446975111961365,"channel":1,"num_words":1,"start":12.335,"end":12.835},{"sentences":[{"text":"and cozy.","start":12.48,"end":12.96,"sentiment":"positive","sentiment_score":0.5209197402000427},{"text":"What about your end?","start":12.96,"end":13.905,"sentiment":"neutral","sentiment_score":0.12799409218132496}],"sentiment":"neutral","sentiment_score":0.2589693081875642,"channel":0,"num_words":6,"start":12.48,"end":13.905},{"sentences":[{"text":"Yeah.","start":14.575001,"end":14.815001,"sentiment":"neutral","sentiment_score":0.30435431003570557},{"text":"It actually is beautiful over here.","start":14.815001,"end":17.235,"sentiment":"positive","sentiment_score":0.5827540258566538},{"text":"It's really nice.","start":17.375,"end":18.195,"sentiment":"positive","sentiment_score":0.7318191727002462}],"sentiment":"positive","sentiment_score":0.5996335983276367,"channel":1,"num_words":10,"start":14.575001,"end":18.195},{"sentences":[{"text":"Awesome.","start":17.985,"end":18.385,"sentiment":"positive","sentiment_score":0.6710785627365112},{"text":"Awesome.","start":18.385,"end":18.885,"sentiment":"positive","sentiment_score":0.5656901597976685},{"text":"I've got you with these documents to send through for super.","start":19.505,"end":24.085,"sentiment":"neutral","sentiment_score":0.2235275154764002}],"sentiment":"neutral","sentiment_score":0.2842747225211217,"channel":0,"num_words":13,"start":17.985,"end":24.085},{"sentences":[{"text":"Mhmm.","start":23.775,"end":24.275,"sentiment":"neutral","sentiment_score":0.0393311083316803}],"sentiment":"neutral","sentiment_score":0.0393311083316803,"channel":1,"num_words":1,"start":23.775,"end":24.275},{"sentences":[{"text":"Have I got a bit of time with you this morning?","start":24.945,"end":26.884998,"sentiment":"neutral","sentiment_score":0.03167737664824182}],"sentiment":"neutral","sentiment_score":0.03167737664824182,"channel":0,"num_words":11,"start":24.945,"end":26.884998},{"sentences":[{"text":"Yeah.","start":26.97,"end":27.21,"sentiment":"neutral","sentiment_score":0.04229938983917236},{"text":"Yeah.","start":27.21,"end":27.529999,"sentiment":"neutral","sentiment_score":0.05898585915565491},{"text":"That's fine.","start":27.529999,"end":28.17,"sentiment":"neutral","sentiment_score":0.10718659311532974},{"text":"Yep.","start":28.17,"end":28.67,"sentiment":"neutral","sentiment_score":0.11941679567098618}],"sentiment":"neutral","sentiment_score":0.08701504617929459,"channel":1,"num_words":5,"start":26.97,"end":28.67},{"sentences":[{"text":"Perfect.","start":29.8,"end":30.039999,"sentiment":"neutral","sentiment_score":0.27861541509628296},{"text":"Perfect.","start":30.039999,"end":30.539999,"sentiment":"neutral","sentiment_score":0.18505072593688965},{"text":"Just double checking too.","start":30.84,"end":32.2,"sentiment":"neutral","sentiment_score":0.08342109061777592},{"text":"So with the email addresses, are you okay to use the BTS Gmail for your main","start":32.2,"end":37.98,"sentiment":"neutral","sentiment_score":0.030565378430765122}],"sentiment":"neutral","sentiment_score":0.05847257083620538,"channel":0,"num_words":22,"start":29.8,"end":37.98},{"sentences":[{"text":"That","start":37.53,"end":38.03,"sentiment":"neutral","sentiment_score":0.024989549070596695}],"sentiment":"neutral","sentiment_score":0.024989549070596695,"channel":1,"num_words":1,"start":37.53,"end":38.03},{"sentences":[{"text":"email?","start":38.199997,"end":38.699997,"sentiment":"neutral","sentiment_score":0.021596886217594147}],"sentiment":"neutral","sentiment_score":0.021596886217594147,"channel":0,"num_words":1,"start":38.199997,"end":38.699997},{"sentences":[{"text":"yeah.","start":38.489998,"end":38.989998,"sentiment":"neutral","sentiment_score":0.032904673367738724},{"text":"Yeah.","start":39.129997,"end":39.449997,"sentiment":"neutral","sentiment_score":0.05081072449684143},{"text":"That's fine.","start":39.449997,"end":40.269997,"sentiment":"neutral","sentiment_score":0.11529771238565445}],"sentiment":"neutral","sentiment_score":0.07857770565897226,"channel":1,"num_words":4,"start":38.489998,"end":40.269997},{"sentences":[{"text":"Perfect.","start":41.079998,"end":41.559998,"sentiment":"neutral","sentiment_score":0.2445230633020401},{"text":"Will you get a look onto the documents with me today?","start":41.559998,"end":43.815,"sentiment":"neutral","sentiment_score":0.07572747631506486}],"sentiment":"neutral","sentiment_score":0.08979377523064613,"channel":0,"num_words":12,"start":41.079998,"end":43.815},{"sentences":[{"text":"Yes.","start":44.385,"end":44.885,"sentiment":"neutral","sentiment_score":0.08200746774673462}],"sentiment":"neutral","sentiment_score":0.08200746774673462,"channel":1,"num_words":1,"start":44.385,"end":44.885},{"sentences":[{"text":"Awesome.","start":45.815,"end":46.215,"sentiment":"neutral","sentiment_score":0.15893176198005676},{"text":"Alright.","start":46.215,"end":46.454998,"sentiment":"neutral","sentiment_score":0.08133240789175034},{"text":"So I'll get it sent through just as a bit of a heads up.","start":46.454998,"end":48.774998,"sentiment":"neutral","sentiment_score":0.09496443452579635},{"text":"There's about seven attachments that come along","start":48.774998,"end":52.295,"sentiment":"neutral","sentiment_score":0.05531160160899162}],"sentiment":"neutral","sentiment_score":0.08508467236938684,"channel":0,"num_words":23,"start":45.815,"end":52.295},{"sentences":[{"text":"Okay.","start":52.065,"end":52.565,"sentiment":"neutral","sentiment_score":0.04957236349582672}],"sentiment":"neutral","sentiment_score":0.04957236349582672,"channel":1,"num_words":1,"start":52.065,"end":52.565},{"sentences":[{"text":"with it, just product documents, and","start":52.295,"end":54.454998,"sentiment":"neutral","sentiment_score":0.048519683380921684}],"sentiment":"neutral","sentiment_score":0.048519683380921684,"channel":0,"num_words":6,"start":52.295,"end":54.454998},{"sentences":[{"text":"Okay.","start":54.385,"end":54.885,"sentiment":"neutral","sentiment_score":0.07281553745269775}],"sentiment":"neutral","sentiment_score":0.07281553745269775,"channel":1,"num_words":1,"start":54.385,"end":54.885},{"sentences":[{"text":"the rest of it is all actually inside the digital email system.","start":54.454998,"end":58.875,"sentiment":"neutral","sentiment_score":0.07046652212738991}],"sentiment":"neutral","sentiment_score":0.07046652212738991,"channel":0,"num_words":12,"start":54.454998,"end":58.875},{"sentences":[{"text":"Right.","start":59.48,"end":59.8,"sentiment":"neutral","sentiment_score":0.05919523537158966},{"text":"Okay.","start":59.8,"end":60.3,"sentiment":"neutral","sentiment_score":0.08973674476146698}],"sentiment":"neutral","sentiment_score":0.07446599006652832,"channel":1,"num_words":2,"start":59.48,"end":60.3},{"sentences":[{"text":"Awesome.","start":61.37,"end":61.77,"sentiment":"neutral","sentiment_score":0.13835331797599792},{"text":"So just while that's coming through, how's everything going with Brandon, you guys, and the business?","start":61.77,"end":66.59,"sentiment":"neutral","sentiment_score":0.052080251974985003}],"sentiment":"neutral","sentiment_score":0.057155138210338706,"channel":0,"num_words":17,"start":61.37,"end":66.59},{"sentences":[{"text":"Yeah.","start":66.92,"end":67.24,"sentiment":"neutral","sentiment_score":0.012690705247223375},{"text":"No.","start":67.24,"end":67.48,"sentiment":"neutral","sentiment_score":0.0007024556398391724},{"text":"Everything's going great.","start":67.48,"end":68.520004,"sentiment":"neutral","sentiment_score":0.05297726020216942},{"text":"Yeah.","start":68.520004,"end":68.84,"sentiment":"neutral","sentiment_score":-0.0007344670593738556},{"text":"No.","start":68.84,"end":69.0,"sentiment":"neutral","sentiment_score":-0.05477048456668854}],"sentiment":"neutral","sentiment_score":0.01668856998107263,"channel":1,"num_words":7,"start":66.92,"end":69.0},{"sentences":[{"text":"We're just we're getting busy and just sort of, you know well, we're like I said, we're paying ourselves now.","start":69.0,"end":76.345,"sentiment":"neutral","sentiment_score":-0.050510522071272136},{"text":"Just trying to get, you know, ahead of the mortgage application come January.","start":76.345,"end":81.005,"sentiment":"neutral","sentiment_score":-0.00789120363501402},{"text":"Do you know?","start":81.064995,"end":81.384995,"sentiment":"neutral","sentiment_score":-0.014362299193938574},{"text":"So we're just, yeah, we're just taking along now, I suppose.","start":81.384995,"end":83.805,"sentiment":"neutral","sentiment_score":0.005896726369180463},{"text":"You know, just doing what doing what we need to do.","start":84.505,"end":86.7,"sentiment":"neutral","sentiment_score":0.01772743124853481}],"sentiment":"neutral","sentiment_score":-0.015448573318406426,"channel":1,"num_words":58,"start":69.0,"end":86.7},{"sentences":[{"text":"Fantastic.","start":87.799995,"end":88.299995,"sentiment":"neutral","sentiment_score":0.3259594440460205},{"text":"So mortgage application January, business is there.","start":88.6,"end":90.92,"sentiment":"neutral","sentiment_score":0.12892714781420572},{"text":"Got a bit of cash flow going.","start":90.92,"end":92.54,"sentiment":"neutral","sentiment_score":0.21783698243754251},{"text":"Seems like it's all going pretty well.","start":92.6,"end":94.299995,"sentiment":"positive","sentiment_score":0.3470541409083775}],"sentiment":"neutral","sentiment_score":0.23557669737122275,"channel":0,"num_words":22,"start":87.799995,"end":94.299995},{"sentences":[{"text":"It is.","start":94.38,"end":94.939995,"sentiment":"neutral","sentiment_score":0.18142392486333847},{"text":"It is.","start":94.939995,"end":95.579994,"sentiment":"neutral","sentiment_score":0.21794968843460083},{"text":"It has gone good.","start":95.579994,"end":96.71999,"sentiment":"positive","sentiment_score":0.4135369583964348}],"sentiment":"neutral","sentiment_score":0.3066118825227022,"channel":1,"num_words":8,"start":94.38,"end":96.71999},{"sentences":[{"text":"And with the the way you've got the business structured, so how are you guys kind of splitting the the duties within the business?","start":97.515,"end":104.795,"sentiment":"neutral","sentiment_score":0.04650672866652409},{"text":"Are you just kind of doing, like, the admin side of things?","start":104.795,"end":107.275,"sentiment":"neutral","sentiment_score":0.003472460045789679},{"text":"Or","start":107.275,"end":107.61,"sentiment":"neutral","sentiment_score":-0.004044141620397568}],"sentiment":"neutral","sentiment_score":0.031183428835828562,"channel":0,"num_words":37,"start":97.515,"end":107.61},{"sentences":[{"text":"Yeah.","start":108.075,"end":108.475,"sentiment":"neutral","sentiment_score":0.00500157754868269},{"text":"I'm doing the admin, and Brandon is obviously you know, he's working away on-site.","start":108.475,"end":113.87,"sentiment":"neutral","sentiment_score":0.006575889220195157},{"text":"And so yeah.","start":114.57,"end":115.21001,"sentiment":"neutral","sentiment_score":0.01894979054729144},{"text":"So that's yeah.","start":115.21001,"end":115.850006,"sentiment":"neutral","sentiment_score":0.018206129549071193},{"text":"That's how we're we're doing it now.","start":115.850006,"end":117.55,"sentiment":"positive","sentiment_score":0.3886971175670624}],"sentiment":"neutral","sentiment_score":0.10462184321035498,"channel":1,"num_words":28,"start":108.075,"end":117.55},{"sentences":[{"text":"perfect.","start":118.73,"end":119.23,"sentiment":"positive","sentiment_score":0.7714873552322388},{"text":"Alright.","start":121.225,"end":121.725,"sentiment":"positive","sentiment_score":0.436759352684021},{"text":"When that email comes through to you, it should be a signature request for statement of 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the first time, but it should go to the main inbox most of the time.","start":130.745,"end":136.77,"sentiment":"neutral","sentiment_score":0.0635424185058345}],"sentiment":"neutral","sentiment_score":0.0635424185058345,"channel":0,"num_words":23,"start":130.745,"end":136.77},{"sentences":[{"text":"One second.","start":137.755,"end":138.315,"sentiment":"neutral","sentiment_score":0.048408688977360725},{"text":"I'll just open my emails.","start":138.315,"end":139.535,"sentiment":"neutral","sentiment_score":0.089131298661232}],"sentiment":"neutral","sentiment_score":0.07749626732298306,"channel":1,"num_words":7,"start":137.755,"end":139.535},{"sentences":[{"text":"No worries at 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do if you're comfortable, so there's a tax file number opt in for.","start":980.48004,"end":985.35504,"sentiment":"neutral","sentiment_score":0.12096678199512619},{"text":"We obviously need a tax file number to do the applications.","start":985.97504,"end":989.59503,"sentiment":"neutral","sentiment_score":0.09707865999503569},{"text":"What we normally do is I book you in for a bit of a welcome call with Maddie, and","start":990.375,"end":996.05,"sentiment":"neutral","sentiment_score":0.26748841608825485}],"sentiment":"neutral","sentiment_score":0.1782654571262273,"channel":0,"num_words":44,"start":980.48004,"end":996.05},{"sentences":[{"text":"Okay.","start":995.79,"end":996.29,"sentiment":"neutral","sentiment_score":0.2751365900039673}],"sentiment":"neutral","sentiment_score":0.2751365900039673,"channel":1,"num_words":1,"start":995.79,"end":996.29},{"sentences":[{"text":"she will just go through, like, the insurance application and get your tax phone number noted 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that.","start":1108.73,"end":1119.5449,"sentiment":"neutral","sentiment_score":0.09644136314882952}],"sentiment":"neutral","sentiment_score":0.09644136314882952,"channel":0,"num_words":34,"start":1108.73,"end":1119.5449},{"sentences":[{"text":"Okay.","start":1119.7001,"end":1120.2001,"sentiment":"neutral","sentiment_score":0.1780211627483368}],"sentiment":"neutral","sentiment_score":0.1780211627483368,"channel":1,"num_words":1,"start":1119.7001,"end":1120.2001},{"sentences":[{"text":"Do you have about two minutes to go through a safe ID check with me today?","start":1120.725,"end":1124.97,"sentiment":"neutral","sentiment_score":0.1744612450711429}],"sentiment":"neutral","sentiment_score":0.1744612450711429,"channel":0,"num_words":16,"start":1120.725,"end":1124.97},{"sentences":[{"text":"That's 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The speaker recommends a new insurance policy and discusses the process for replacing insurance. They also recommend switching to a new insurance policy and offer a replacement insurer for a cost of $3-3.24. The speaker emphasizes the importance of high growth and provides a replacement insurer for $ 3% to $3.24. The customer is instructed to complete a tax file and safe ID verification, set up a client password, and complete a tax file number check. A follow-up call is scheduled for Tuesday morning to discuss the insurance process."},"intents":{"segments":[{"text":"I've got you with these documents to send through for super.","start_word":46,"end_word":56,"intents":[{"intent":"Share documents","confidence_score":0.02559936},{"intent":"Send documents","confidence_score":0.3981248}]},{"text":"So with the email addresses, are you okay to use the BTS Gmail for your main That email?","start_word":80,"end_word":97,"intents":[{"intent":"Verify email","confidence_score":0.046408523}]},{"text":"And with the the way you've got the business structured, so how are you guys kind of splitting the the duties within the business? Are you just kind of doing, like, the admin side of things? Or Yeah.","start_word":272,"end_word":309,"intents":[{"intent":"Split duties","confidence_score":0.55409724}]},{"text":"I'm doing the admin, and Brandon is obviously you know, he's working away on-site. And so yeah.","start_word":310,"end_word":326,"intents":[{"intent":"Work on-site","confidence_score":0.0010978888}]},{"text":"When that email comes through to you, it should be a signature request for statement of advice. Okay.","start_word":339,"end_word":356,"intents":[{"intent":"Request statement of advice","confidence_score":0.21348907}]},{"text":"wanted to just scroll through the document with you if you can. Okay.","start_word":475,"end_word":487,"intents":[{"intent":"Scroll document","confidence_score":0.5984923}]},{"text":"So just as a reminder, we've got your kind of overarching goal as a couple to retire early at age 60, and that million dollars, and, obviously, this advice is around reviewing the sofa. 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We invested in 30,000.","start_word":840,"end_word":877,"intents":[{"intent":"Discuss cash influx and loan amount","confidence_score":0.000015459767}]},{"text":"We invested in 30,000.","start_word":874,"end_word":877,"intents":[{"intent":"Discuss business purchase amount","confidence_score":0.036981195}]},{"text":"And just in terms of business lines, do you know overall how much the the loan is for?","start_word":946,"end_word":963,"intents":[{"intent":"Discuss business line","confidence_score":0.04146186}]},{"text":"We don't have a loan. No loans. Just threw the cash in and then just Yeah. operating it. Beautiful.","start_word":964,"end_word":982,"intents":[{"intent":"Discuss loan terms","confidence_score":0.00643928}]},{"text":"You're kind of going from a Corolla to a Lamborghini. Investment fees will go down. We'll be putting the above fee. I've applied that couple discount that I was talking to you guys about, one Oh, point yeah. 1% for both of you guys. Yep. So if I need to update that with Brendan, I will send that through to him straight away as well. And Okay.","start_word":1389,"end_word":1455,"intents":[{"intent":"Update plan and determine interest rate","confidence_score":0.000025923651}]},{"text":"Just based on the projections for the contributions that you are doing now, you're probably looking at between $2,250,000 in ten years. Obviously, if that increases, we'll we'll update the plan, but this is just based on what you're drawing out currently, the returns, fees, premiums, all that Okay.","start_word":1487,"end_word":1535,"intents":[{"intent":"Summarize investment plans","confidence_score":0.000028649265}]},{"text":"Returns on the next page just shows you one, three, five, and ten years. And just quickly on page 17, you'll see an investment table. Okay.","start_word":1540,"end_word":1565,"intents":[{"intent":"Provide investment table","confidence_score":0.19238894}]},{"text":"And, again, same portfolio, all ETFs. Aufiniti is your active satellite there, and that's all the options that we're recommending for both of you guys. Okay.","start_word":1574,"end_word":1599,"intents":[{"intent":"Discuss portfolio options","confidence_score":0.10033266}]},{"text":"Any questions so far? No. No.","start_word":1601,"end_word":1606,"intents":[{"intent":"Address concerns about future plans","confidence_score":0.00011741564}]},{"text":"next page, I have recommended a replacement insurer. Okay.","start_word":1713,"end_word":1721,"intents":[{"intent":"Recommend replacement insurer","confidence_score":0.047654487}]},{"text":"next page, I have recommended a replacement insurer. Okay. So yeah.","start_word":1713,"end_word":1723,"intents":[{"intent":"Discuss insurance options","confidence_score":0.14940651}]},{"text":"Now, unfortunately, as far as paperwork side of things go, there's still a bunch of documents to sign off on the same as Brandon did. Basically, the bottom of this document, second last page, has an authority to proceed with the advice. Yep. After we go through this one, it'll ask you to sign off on the which will update the the 30,000 there and the savings, but everything else based on that initiative maybe in July.","start_word":2220,"end_word":2296,"intents":[{"intent":"Update documents","confidence_score":0.106109984}]},{"text":"But anyway, There's another authority just to refresh to contact them just to make it as sort of up to date as possible. Okay.","start_word":2417,"end_word":2440,"intents":[{"intent":"Update contact details","confidence_score":0.0037921534}]},{"text":"Are you a sole trader? No.","start_word":3054,"end_word":3059,"intents":[{"intent":"Verify identity","confidence_score":0.13900936}]},{"text":"I'll just send this off for e verification that you would take, like, fifteen minutes or so, Yes.","start_word":3398,"end_word":3415,"intents":[{"intent":"Verify information","confidence_score":0.018940346}]},{"text":"and then we should be good to go. From here, in terms of just going through the welcome call, do you want me to set up a bit of a client password, or are you happy to do, like, three point ID checks when you call in? Yeah.","start_word":3417,"end_word":3464,"intents":[{"intent":"Process and proceed through","confidence_score":2.3612219e-7}]},{"text":"From here, in terms of just going through the welcome call, do you want me to set up a bit of a client password, or are you happy to do, like, three point ID checks when you call in? Yeah.","start_word":3424,"end_word":3463,"intents":[{"intent":"Set up client password","confidence_score":0.079182185}]},{"text":"Do you have any time today to go through the sort of welcome call application for the insurance? Would you want me to just book something in for for next week? How long would it take?","start_word":3515,"end_word":3550,"intents":[{"intent":"Book insurance","confidence_score":0.33364612}]},{"text":"for the day and time for you? Like, 10:00 is good for me. Ten to eleven.","start_word":3652,"end_word":3667,"intents":[{"intent":"Confirm service time","confidence_score":0.00041923654}]},{"text":"So I'll send this off to Maddie just to process and and get everything moving. She'll give you a call Tuesday morning. If you need anything else, just give us a callback. Brilliant.","start_word":3736,"end_word":3768,"intents":[{"intent":"Arrange call back","confidence_score":0.001018563},{"intent":"Place callback to maddie","confidence_score":0.0000081490825}]},{"text":"Thanks, mate. Bye. Bye. Bye.","start_word":3814,"end_word":3818,"intents":[{"intent":"Health care","confidence_score":0.00046984342}]}]},"sentiments":{"segments":[{"text":"Hello? Good morning, Linda. It's Tommy here. How are you doing?","start_word":0,"end_word":10,"sentiment":"neutral","sentiment_score":0.1820441037416458},{"text":"I'm good.","start_word":11,"end_word":12,"sentiment":"positive","sentiment_score":0.33767834305763245},{"text":"How are you?","start_word":13,"end_word":15,"sentiment":"neutral","sentiment_score":0.22659218311309817},{"text":"I'm doing absolutely fantastic. It's a beautiful rainy day. It's Nice gorgeous. and cozy.","start_word":16,"end_word":29,"sentiment":"positive","sentiment_score":0.6632670164108276},{"text":"What about your end? Yeah.","start_word":30,"end_word":34,"sentiment":"neutral","sentiment_score":0.1877833753824234},{"text":"It actually is beautiful over here. It's really nice. Awesome. Awesome.","start_word":35,"end_word":45,"sentiment":"positive","sentiment_score":0.644725501537323},{"text":"I've got you with these documents to send through for super. Mhmm. Have I got a bit of time with you this morning? Yeah. Yeah. That's fine. Yep. Perfect. Perfect. Just double checking too. So with the email addresses, are you okay to use the BTS Gmail for your main That email? yeah. Yeah. That's fine. Perfect. Will you get a look onto the documents with me today? Yes. Awesome. Alright. So I'll get it sent through just as a bit of a heads up. There's about seven attachments that come along Okay. with it, just product documents, and Okay. the rest of it is all actually inside the digital email system. Right. Okay. Awesome. So just while that's coming through, how's everything going with Brandon, you guys, and the business? Yeah. No. Everything's going great. Yeah. No. We're just we're getting busy and just sort of, you know well, we're like I said, we're paying ourselves now. Just trying to get, you know, ahead of the mortgage application come January. Do you know? So we're just, yeah, we're just taking along now, I suppose. You know, just doing what doing what we need to do. Fantastic. So mortgage application January, business is there. Got a bit of cash flow going. Seems like it's all going pretty well. It is. It is.","start_word":46,"end_word":267,"sentiment":"neutral","sentiment_score":0.07206439226865768},{"text":"It has gone good.","start_word":268,"end_word":271,"sentiment":"positive","sentiment_score":0.4043909013271332},{"text":"And with the the way you've got the business structured, so how are you guys kind of splitting the the duties within the business? Are you just kind of doing, like, the admin side of things? Or Yeah. I'm doing the admin, and Brandon is obviously you know, he's working away on-site. And so yeah. So that's yeah.","start_word":272,"end_word":329,"sentiment":"neutral","sentiment_score":0.022248707711696625},{"text":"That's how we're we're doing it now. perfect. Alright.","start_word":330,"end_word":338,"sentiment":"positive","sentiment_score":0.43221092224121094},{"text":"When that email comes through to you, it should be a signature request for statement of advice. Okay. And One second. it may go through your spam folder for the first time, but it should go to the main inbox most of the time. One second. I'll just open my emails. No worries at all. Okay. Sign documents. Yeah. So if you hit that button, it'll bring it open the the five documents to go through together with me today. Yep. And you should see, like, a Gold Coast beachfront city picture, same cover page as the Brandon's statement of advice. Yeah. I can see that. So I'll just Perfect. then click to start. Cool. Now when it goes quick to start, it might start dragging you down to, like, signature spot, but I just Yep. wanted to just scroll through the document with you if you can. Okay. Yep.","start_word":339,"end_word":488,"sentiment":"neutral","sentiment_score":0.19657905399799347},{"text":"Perfect.","start_word":489,"end_word":489,"sentiment":"positive","sentiment_score":0.5751416683197021},{"text":"And just to let you know as well, so after the statement of advice, there is, like, the back line with your details in there, a few authorizations, applications, and quotes, and things like that. But I just wanna scroll through this one with you first. Mhmm. Okay. If you go down to pages three and four for me, you should see the scope of advice.","start_word":490,"end_word":555,"sentiment":"neutral","sentiment_score":0.20443353056907657},{"text":"Cool.","start_word":556,"end_word":556,"sentiment":"positive","sentiment_score":0.3845688700675965},{"text":"So just as a reminder, we've got your kind of overarching goal as a couple to retire early at age 60, and that million dollars, and, obviously, this advice is around reviewing the sofa. Okay. Now with the contributions, so they've activated some default insurances inside your Australian super. Yep. Just a bit of life taken in income protection, so I have just addressed that in this document as well just to try and get the premiums down a little bit. And as a reminder, we weren't doing anything crazy insurance wise. It would just replace anything that Okay. you've got. So if you go down past there, so estate planning, we'll make sure we've got the beneficiary nominations set up under all the new accounts and everything. And then on pages five and six, you'll see what's not in this document. Okay. And, of course, we're not doing any investment advice right now. Just focusing on the business, the home purchase, and everything, but that's being handled already. Yep.","start_word":557,"end_word":726,"sentiment":"neutral","sentiment_score":0.09216186627745628},{"text":"Cool.","start_word":727,"end_word":727,"sentiment":"positive","sentiment_score":0.4521495103836059},{"text":"If you swing by for me on pages seven and eight, it's got the details that we captured. Yep. One thing I'll quickly update. So I've added in the income. I think you've put 47,500 for Yep. the income wages that you're drawing. Yeah. And Alrighty. I do do savings per week. Sorry. I've got this all through. Yeah. I do do savings per week, but I don't know if it's gonna be a big amount to, you know, show. I just put 60 That's quid right. a week Is away. it 60?","start_word":728,"end_word":820,"sentiment":"neutral","sentiment_score":0.08900390565395355},{"text":"Easy done.","start_word":821,"end_word":822,"sentiment":"positive","sentiment_score":0.3537644147872925},{"text":"I'll update that on the system just a bit of a build the savings up. And Yeah. in terms of the assets and liabilities, so obviously, since you guys have bought the business, I'm just wondering how much of the cash you guys have to throw in for the business purchase. We invested in 30,000. No. Sorry. That doesn't include the van. Oh, no. It does. Let me think. Come on. Yes. So when we first set up the company, we put 30,000 into the bank account. Cool. Okay. So as far as overall assets, should I just go 30,000 was, I guess, deposit to the business, 800,000 is still sitting in cash approximately. Yeah. Yeah. Yeah. Yeah. That was sitting in cash. And just in terms of business lines, do you know overall how much the the loan is for? We don't have a loan. No loans. Just threw the cash in and then just Yeah. operating it. Beautiful. Yeah. Yeah. So I think we Alrighty. do we take, like, directors wrong then? Or do you, you know, you take that back when when the company is in a better position? Yeah. Yep. Let Yeah. it kind of get into that cash flow positive and and Yeah. build up where it needs to be, sort out taxes first, and then Exactly. work out with an accountant when you start drawing down.","start_word":823,"end_word":1054,"sentiment":"neutral","sentiment_score":0.0222154061855941},{"text":"Yep. Perfect.","start_word":1055,"end_word":1056,"sentiment":"positive","sentiment_score":0.4443766176700592},{"text":"I have just flagged in here the the insurance since they got activated into the Australian super. Mhmm. One thing I'll just quickly mention too.","start_word":1057,"end_word":1081,"sentiment":"neutral","sentiment_score":0.017711518332362175},{"text":"So they've set you up actually too much cover compared to the income that you're drawing.","start_word":1082,"end_word":1097,"sentiment":"negative","sentiment_score":-0.3874452412128449},{"text":"Okay. So I'm just trimming that down a tiny bit because you wouldn't be able to claim on a portion of that. Okay.","start_word":1098,"end_word":1120,"sentiment":"neutral","sentiment_score":-0.017707809805870056},{"text":"Cool.","start_word":1121,"end_word":1121,"sentiment":"positive","sentiment_score":0.3491972088813782},{"text":"If you swing down past there, so if you remember, we're just going high growth with your risk profile, same Brandon's, Mhmm.","start_word":1122,"end_word":1143,"sentiment":"neutral","sentiment_score":0.17343619465827942},{"text":"and you guys are still pretty keen to just maximize the return.","start_word":1144,"end_word":1155,"sentiment":"positive","sentiment_score":0.3824034631252289},{"text":"Yep.","start_word":1156,"end_word":1156,"sentiment":"neutral","sentiment_score":0.3211466073989868},{"text":"Cool.","start_word":1157,"end_word":1157,"sentiment":"positive","sentiment_score":0.41490668058395386},{"text":"If you go down past there, so the the tech heavy page on page eleven and twelve for the strategy recommendation. Yep. And same thing. So we're recommending, obviously, to switch across into Hub. And then once you guys are both across, I wanna link up both the super accounts for the family fee linking, and Okay. that way you start getting those discounts on the admin fees. Okay. Yep. So ETFs mainly for the investments just like we talked about, same portfolio recommended for both of you guys. Okay. And there's a bit of an advantage disadvantage is payable on pages twelve and thirteen. I guess the kind of long and short of it is we're still doing that blend of active and passive investments using ETF, and there's a bit of brokerage fees to purchase them. And then once you guys have got them, it's, like, the lowest fees to have ongoing. Cool. Okay. Yep. If you swing down a little bit further, I'm just gonna go through a couple of these details with you on pages fifteen and sixteen. There's just a couple of tables there, like a fee comparison. Yep. So what I've included here is just that the onboarding fee for implementation at the top right. We've got a little bit more expensive admin fees compared to Australian Subaru, obviously, because it's the wrap platform. You're kind of going from a Corolla to a Lamborghini. Investment fees will go down. We'll be putting the above fee. I've applied that couple discount that I was talking to you guys about, one Oh, point yeah. 1% for both of you guys. Yep. So if I need to update that with Brendan, I will send that through to him straight away as well. And Okay. at the bottom, we've got the return average as well. Okay. And you'll see five year rolling average. We go from eight to 12 and a half. That's that's your average. Yep. Just based on the projections for the contributions that you are doing now, you're probably looking at between $2,250,000 in ten years. Obviously, if that increases, we'll we'll update the plan, but this is just based on what you're drawing out currently, the returns, fees, premiums, all that Okay. kind of thing.","start_word":1158,"end_word":1538,"sentiment":"neutral","sentiment_score":0.1013512760400772},{"text":"Cool.","start_word":1539,"end_word":1539,"sentiment":"positive","sentiment_score":0.455272376537323},{"text":"Returns on the next page just shows you one, three, five, and ten years. And just quickly on page 17, you'll see an investment table. Okay. K? So this is that switch into hub. And, again, same portfolio, all ETFs. Aufiniti is your active satellite there, and that's all the options that we're recommending for both of you guys. Okay. Cool. Any questions so far? No. No. That seems fine. Yep. Last kind of details for the super on '19, you'll see a proposed asset allocation pie chart. Yep. The quick reminder here is that because we're going for that high growth, we're gonna bump you up from that 70% growth asset to that 96, and you're pretty much gonna bounce between 90 to a 100% in, like, shares, property, and gold. When you guys are a bit Okay. closer to retirement, we'll scale that back once you Now when it comes to the insurance side of things, this is the part that I need to kind of run by you. The Okay. next page, I have recommended a replacement insurer. Okay. So yeah. What what does that mean?","start_word":1540,"end_word":1728,"sentiment":"neutral","sentiment_score":0.1365397740845327},{"text":"Cool.","start_word":1729,"end_word":1729,"sentiment":"positive","sentiment_score":0.5427356362342834},{"text":"So you've got life disability and income protection insurance attached to Australian silver. The two Okay. options that we've got is we can either just transfer it across that you still got a little bit. It'll save a little bit on the premiums and costs, but it'll keep you kind of over insured for the income protection. So what I did was just spin through a comparison between all the background insurance, and Yep. one path was offering basically the same cover for cheaper, but with all the extra bells and little under the hood as So all the fine prints in there, a lot more options to claim on. Okay. Okay. Okay. Yeah. Whatever K. you So yeah.","start_word":1730,"end_word":1848,"sentiment":"neutral","sentiment_score":0.1995045244693756},{"text":"awesome. It's basically the same amount.","start_word":1849,"end_word":1854,"sentiment":"positive","sentiment_score":0.428061306476593},{"text":"50,000 was the minimum for CBD cover, which is your disability. I think you have 45. 50 is the minimum, still cheaper. And $277.00 is the income protection based on 70 Okay. Okay. percent. Yep.","start_word":1855,"end_word":1889,"sentiment":"neutral","sentiment_score":0.17316800355911255},{"text":"Cool.","start_word":1890,"end_word":1890,"sentiment":"positive","sentiment_score":0.5076286196708679},{"text":"So it basically goes from, I think, a little over $400 a year to $3.","start_word":1891,"end_word":1905,"sentiment":"neutral","sentiment_score":0.3114740252494812},{"text":"24 and much better quality as well.","start_word":1905,"end_word":1911,"sentiment":"positive","sentiment_score":0.4619208872318268},{"text":"Okay. Yep. So, basically, what I'm looking to do as a plan is we'll roll the bulk of the funds across from Australian Super. We will have to go through a brief insurance application with you just to replace the cover, and then we can close off that account. Okay. Okay. Okay. Does that make sense? Yep. Yep. That's fine. On that, the rest of the document pretty much just goes over the beneficiary nomination we were just gonna nominate Brandon for the super and the life insurance. Yep. It goes through will on page 29, powers of attorney, all that kind of thing as a reminder. Okay. Oh, yeah. Yep. One thing I have to make you aware of as well is towards the back of the document on pages thirty six and thirty seven, there's a remuneration page for OPU. Okay. And what you'll be able to see in there so you've got the implementation fee that will charge out of the super to set everything up. Same as Brandon's one, but it's just a little bit lower than his. Yep. Okay. We've got all of the insurers. They do pay us 66% of the first year's premium. There's a bit of a commission to set it up and Okay. 22% to look after ongoing for, like, claims advice and claims assistance as well. Yeah. So I just have to let you know that that's, I guess, what we would receive from them. Okay. Yeah.","start_word":1912,"end_word":2158,"sentiment":"neutral","sentiment_score":0.08308043958325136},{"text":"That's fine. Cool.","start_word":2159,"end_word":2161,"sentiment":"positive","sentiment_score":0.43374302983284},{"text":"K. Implementation is on page 38, which is essentially we'll do a bit of a rollover. We'll get the application finished with one path, and then we'll move everything else across the hub, set up your beneficiaries, and send you the details for the contribution. Okay. Alright. How's that sound? Yeah. No. That sounds fine. Yep. Yep. Cool. Now, unfortunately, as far as paperwork side of things go, there's still a bunch of documents to sign off on the same as Brandon did. Basically, the bottom of this document, second last page, has an authority to proceed with the advice. Yep. After we go through this one, it'll ask you to sign off on the which will update the the 30,000 there and the savings, but everything else based on that initiative maybe in July. Alright. So don't sign this one now. I think it's about to bring me on to the next. So I'm on the I'm on the fax find now? Yeah. If you can sign that one now, that'd be great. It does have Okay. a risk profile at the bottom for Alright. the Okay. high growth as well with all the questions we went through. Yep. K. Next account. Okay. I'm on the authorization to search for lost super. Yep. So, again, this one's just a little bit of a check all where we've seen the government system to see if there's anything else floating around, not that there will Yeah. be. Your last dormant fund was the Australian food. But anyway, There's another authority just to refresh to contact them just to make it as sort of up to date as possible. Okay. And Okay. then Next what up. we'll do if you're comfortable, so there's a tax file number opt in for. We obviously need a tax file number to do the applications. What we normally do is I book you in for a bit of a welcome call with Maddie, and Okay. she will just go through, like, the insurance application and get your tax phone number noted down. Yeah. Usually, when we do that, we turn off our call recordings and things like that just to make sure it's nice and safe. Okay. Yeah.","start_word":2162,"end_word":2533,"sentiment":"neutral","sentiment_score":0.04613936685841851},{"text":"That's fine. Cool. Yep.","start_word":2534,"end_word":2537,"sentiment":"positive","sentiment_score":0.3872422277927398},{"text":"The last two is pretty much just the super application, which, again, the buttons will kind of bring you to each spot, and the last one is just the insurance quote.","start_word":2538,"end_word":2568,"sentiment":"neutral","sentiment_score":0.269553542137146},{"text":"Perfect.","start_word":2569,"end_word":2569,"sentiment":"positive","sentiment_score":0.5685826539993286},{"text":"Okay. K. Alright. Illustration summary. Okay. Alright. Okay. I think that is done. So Alright. once you get to the very end, it'll have, like, a validate button. Yep. I'll just press that. So it sometimes hangs for a good thirty, forty seconds if there's a lot of documents and pages just because the the product documents is about 1,200 pages in addition. Oh, really? I'll just give that a quick moment. Yeah. So that's why I've just attached them as PDF just to sort of save lagging the system a little bit. Okay. Okay. It's just loading. Okay. No worries. Linda, the last couple of things I wanted to just quickly run by you, if this is okay too, is just in terms of your the passport that Yeah. we certified. Because of the new anti money laundering laws, we have Mhmm. to spin that document through a a safe ID check where it kind of pings a few government systems just to make sure there's no, you know, links to terrorism or anything like that. Okay. Do you have about two minutes to go through a safe ID check with me today? That's fine. Yep. Oh, so as soon as that one comes through, what I'm basically doing while that's loading, and that has come through sign.","start_word":2570,"end_word":2788,"sentiment":"neutral","sentiment_score":0.10572006158768858},{"text":"Thank you for that. Alright.","start_word":2789,"end_word":2793,"sentiment":"positive","sentiment_score":0.586806058883667},{"text":"I'm basically just putting in here your consent to go through the it's f triple a safe ID. It's essentially the financial advisers association. They've kind of put this system together for the new laws. Okay. Okay. So what I'll do is I'm gonna send you a link, safe ID link. I'm just going through the system now. Email address. You'll get it's like a blue email with an invitation link. Okay. And that should be coming through to you pretty soon. Alright. That's just Oh, yeah. popped out of the system to your email address. Yeah. Start the process. Okay. If you do have the passport handy on you, it'll ask you to kind of punch in the detail. Oh, let me see. I'm I'm not at the house. Let me see. I've got a picture of my passport. Second. It's not I actually have my driver's license on me. I got my Australian one, but I I won't use that now. You could actually use the Australian license too if you want. Okay. It'll do the a similar thing. Alright. Okay. Yeah. They Yeah. can use either one. Alright. Let's let's do the the license because I have that on me. Okay. Yep.","start_word":2794,"end_word":2998,"sentiment":"neutral","sentiment_score":0.08452638238668442},{"text":"That'll be great.","start_word":2999,"end_word":3001,"sentiment":"positive","sentiment_score":0.4071676731109619},{"text":"So what will basically happen is you select the type of ID, whether it's passport or license. Okay. Now oh, I'm gonna put my middle name in because it's on my license and Louise. Yeah. Yep. It works. Which is Louise. Correct. Yep. Merch. Type in your address. New. K. Current citizenship. Are you a sole trader? No. No. I don't have an ABN. Add driver's license. License number. Okay. Expiry. Two minutes. July. Alright. So July, so 2021. Okay. Next. Okay. That's being verified.","start_word":3002,"end_word":3086,"sentiment":"neutral","sentiment_score":0.04150402918457985},{"text":"Perfect. So that comes through to me.","start_word":3087,"end_word":3093,"sentiment":"positive","sentiment_score":0.4267134666442871},{"text":"It's just updating all the details there. Just quickly on it, it's come through with the middle name spelled with Louise with an r instead of an e at the end. Oh, shit. Can I oh, shut up? And can I redo What I'll that do or the is yeah. Absolutely. This is my first time doing a redo, so I'm just gonna hit okay? send invite. Okay. It may just do another link. I do No. That's alright. apologize. I don't My know first how I time do. on a second. Yeah. Oh, okay. Yep. So it generated a second email that'll come through in about ten seconds. I do apologize. Okay. And queue it up. Seems to be a lot of people using this system this morning. And sent. That actually comes through again. Apologies for that.","start_word":3094,"end_word":3232,"sentiment":"neutral","sentiment_score":0.020706161856651303},{"text":"It's And the cool thing is as soon as you alright input all those details, it basically just popped up to now. put it into the system for me, which is great. That is good, isn't it?","start_word":3233,"end_word":3269,"sentiment":"positive","sentiment_score":0.386636883020401},{"text":"K. Verify. It does some funny things too. Like, I'll be interested to see what comes back that does check worldwide systems as well. So I'm just wondering if you'll pick up anything from from Ireland or wherever. Oh, ring. Oh, First ring. international attempt. Patient. As far as I know, I've got no criminal record or anything like that. You know? Be interested to see what comes like. Let's see. Absolutely. Alright. Let me check all the details that ring. Okay. The same Linda Linda Louise. Right. Okay. Yep. Alright. That's popped up. So I'll just go Perfect. Done. So I'll just save all those details. Copy and save here. And details have matched.","start_word":3270,"end_word":3384,"sentiment":"neutral","sentiment_score":0.09033501893281937},{"text":"Thank you so much for that. Easy done.","start_word":3385,"end_word":3392,"sentiment":"positive","sentiment_score":0.6852218508720398},{"text":"So that's pretty much it. I'll just send this off for e verification that you would take, like, fifteen minutes or so, Yes.","start_word":3393,"end_word":3415,"sentiment":"neutral","sentiment_score":0.20211012661457065},{"text":"and then we should be good to go.","start_word":3416,"end_word":3423,"sentiment":"positive","sentiment_score":0.6086003184318542},{"text":"From here, in terms of just going through the welcome call, do you want me to set up a bit of a client password, or are you happy to do, like, three point ID checks when you call in? Yeah. The three point is fine. Yep.","start_word":3424,"end_word":3469,"sentiment":"neutral","sentiment_score":0.12373995035886765},{"text":"Yeah. Cool.","start_word":3470,"end_word":3471,"sentiment":"positive","sentiment_score":0.4235728085041046},{"text":"So I'll just do full name, date of birth, address. Yep. We'll set up some catch ups with both of you guys as necessary. And if we ever need to do it, the individual would just stay up with you guys. Yep.","start_word":3472,"end_word":3513,"sentiment":"neutral","sentiment_score":0.27483507990837097},{"text":"Perfect.","start_word":3514,"end_word":3514,"sentiment":"positive","sentiment_score":0.6134591698646545},{"text":"Do you have any time today to go through the sort of welcome call application for the insurance? Would you want me to just book something in for for next week? How long would it take? Usually, about twenty twenty minutes. Okay. I'm just up at where am I now? I'm at oh god. What's the name of it? I'm at some shopping center. Well, there's my head's You're gone completely blank there. I forgot where I am. Yeah. So I'm just here to do the finish. right. I will be home later, but we can book it in we can book it in early next week Yep. if that's Hey. Yeah.","start_word":3515,"end_word":3626,"sentiment":"neutral","sentiment_score":0.035809244960546494},{"text":"Absolutely.","start_word":3627,"end_word":3627,"sentiment":"positive","sentiment_score":0.3562118709087372},{"text":"We do have staff that better. start early in the mornings and finish late at night kind of thing. What would be good Okay. for the day and time for you? Like, 10:00 is good for me. Ten to eleven. Yeah. Just have to get me morning, dawn, and that. And, yeah, I'm I'm free between ten to eleven. Yeah. Onwards. But Perfect. yeah. From that time. Can I put it in for, like, Tuesday, 10:00? Yeah. That'd be perfect. O'clock?","start_word":3628,"end_word":3708,"sentiment":"neutral","sentiment_score":0.130621537566185},{"text":"Awesome.","start_word":3709,"end_word":3709,"sentiment":"positive","sentiment_score":0.41810667514801025},{"text":"That way, I'll be in office then as well. So if anything pops up, I can jump on the phone to you as well. Yeah.","start_word":3710,"end_word":3734,"sentiment":"neutral","sentiment_score":0.2826170027256012},{"text":"Awesome. So I'll send this off to Maddie just to process and and get everything moving.","start_word":3735,"end_word":3750,"sentiment":"positive","sentiment_score":0.4247112274169922},{"text":"She'll give you a call Tuesday morning. If you need anything else, just give us a callback.","start_word":3751,"end_word":3767,"sentiment":"neutral","sentiment_score":0.2741240859031677},{"text":"Brilliant. Thanks, Tammy. I Awesome, appreciate Linda. that. No worries at all.","start_word":3768,"end_word":3779,"sentiment":"positive","sentiment_score":0.6743204444646835},{"text":"Any questions before I let you go? None none so far. No.","start_word":3780,"end_word":3791,"sentiment":"neutral","sentiment_score":0.10340634733438492},{"text":"Alrighty, mate. You guys have a fantastic weekend, and I'll put you No.","start_word":3792,"end_word":3804,"sentiment":"positive","sentiment_score":0.5412305593490601},{"text":"You there. too. Alright.","start_word":3805,"end_word":3808,"sentiment":"neutral","sentiment_score":0.2234765738248825},{"text":"Thanks very much. Talk soon. Thanks, mate. Bye.","start_word":3809,"end_word":3816,"sentiment":"positive","sentiment_score":0.5643541216850281},{"text":"Bye. Bye.","start_word":3817,"end_word":3818,"sentiment":"neutral","sentiment_score":0.17313222587108612}],"average":{"sentiment":"neutral","sentiment_score":0.11803007987078996}}}}