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Well, I guess, we'll start off with how can we help. Yeah. Possibly. It depends on your so I'm assuming just from memory, I think it has to do with that transition to retirement strategy or spousal contributions. Okay. How much do you think that's gonna be a a wage wise just gross over the year? You're alright. Take your time. All good. Is it under $18,200? 18. Yeah. Yes. Correct. Twenty one? Okay. So let me just write that down. So so the reason why I asked that question is because $18,200 is what we call tax free threshold. So anything between 18,200 and $1 up to 45,000, you go into the next tax bracket and then so on and so forth. So when you're looking at strategies like TTR strategies or, you know, something a little bit more complex like Darren's, the only the only benefit that you get in a tax scenario with the TTR transition to retirement strategy, I like that, is the gap between 15% and what is or what your marginal tax rate is. So if you're on 21,000 a year and I might reflect the tax free threshold. Do you know what that means? Or okay. So every dollar, if you work during the year, the financial year, and you, you know, you earn anything under in total gross, anything under $18,200, your marginal tax rate is zero. Okay? So you don't pay any tax tax rate. But every dollar you put every dollar over 18,200, say 18,201, on that $1, you will pay 17¢ per dollar including Medicare Levy. Okay. So you know, if you but if you put that same dollar towards superannuation, you only pay 15% tax. So there's a grand saving of, you know, 2% of tax, essentially, or three percent tax. So if I have a look at that, the difference in what your marginal tax rate is from tax free, because that's always best, is 2,800, and that comes up by 0.02 Not divide. One second. Sorry. Two eight zero zero times five zero zero. So if you go through all the effort of setting up a similar strategy, you will save a grand total of $56 a year in tax. Yeah. So so there are but but don't fret. So GTR is probably not for you. But don't fret. There are there are lots of weird and wonderful strategies out there, especially being in your agent stage. Okay. So I guess I wanna start off with have we talking about sponsor contributions? But just just just never mind that for the moment. What do you wanna achieve and by when? Okay. Okay. Correct. It used to be 66.5 years old, but now 67. You'll get the government pension and your primary place of residence is exempt From the there's there's three kind of rulings with that. There's the income test, the asset test, and the work test. So if you if you work less than it sounds like you do, but if you work less than forty consecutive hours in a month, like, in a consecutive month, then you pass the work test if you don't work more than forty hours in one month. K? That's the work test. The asset test depends. So there's lots of weird ones for numbers that you throw out there, but for a couple, your asset exclude which is all your stuff pulled together, excluding your primary place of residence, excluding your home, the apartment. If you pull everything together, and it's less than, I believe, for a couple of you when you reach that agent stage. I could be wrong, but you can Google it. For a couple, if you have a combined pool assets assets of, I think it's less than 425,000 for 250. They change it all the time, but that's the last time I remember. I saw it, hopefully, this financial year. Then does that sound about you guys or $425,002,250 dollars. Every well, that's everything combined excluding your house. So your cars, your jewelry, your furniture, your superannuation, your any investments. Okay. So how much let's let's follow-up with how much you're gonna take it. Is it all in superannuation? Do you still have some cash in? Yep. Correct. Well, yeah, that's the thing. So we calculated it exact in Darren's strategy. Because if you put anything more, then he will exceed certain caps, and then you get taxed at not just his highest marginal tax rate, the highest marginal tax rate. Yeah. Well, we're gonna do we're gonna do some sexy stuff with that. We're gonna do what's called a notice of intent to claim. So all of that money, we're gonna essentially tell the ATO, look, That money isn't from the proceeds that came from the sale of the first time or whatever those supposed to be. So whatever your cash savings are, whatever it might be, if you can you've got some cash savings in the bank, we're gonna contribute at the super, but then draw it out straight away. But the catch is we're gonna do what's called a notice of intent to claim. And what you get is the difference between the marginal tax rate of Darren, which is 30 I believe it's 32 and a half plus Medicare. It'll be 34.5¢ to every dollar on that 30,000. We're only paying 15% on that. And then we're gonna do a intent to claim so that he can deduct it from his taxable income, the difference between those two, which is a lot. But that's that's the sexy stuff. So his strategy is kinda locked in. So to answer your question, no. You can't put more towards Darren Super, but you can for yourself. But there's no point. Yeah. Right. Oh, actually, there might be. Your birthday just correct me if I'm wrong memories. Third or the fourth, it was one day less than mine. So the third of the tenth. Right? Yeah. Third of the tenth. Right? And you're gonna turn 65 years old? That means that you will be able to draw out as much as you like on your super fund whilst the correct. Correct. I'm just trying to think of the show. Let's go through the process. I'll show you a little bit more about us and I'll get I just need to do a little bit more about understanding what you're looking for. I'm sure that we'll be able to work something up. But yeah. I've I've got a bit of an idea in my head just by knowing Darren's situation already. Okay? Beautiful. So let's get back to sorry. And how do you feel about that money? Is that, like, your safety net? Do you not wanna Yep. Okay. Okay. Perfect. And all the rest has been contributing to suit. Right? Okay. Gotcha. Gotcha. Yep. Yep. Okay. So the interest is it in a high savings, like, a high yielding kind of accounts or savings maximizer or something? Yep. And is it about that? Right. Sabercont. Who's it with? Okay. So it's Suncorp, and that is a what was the name of the product again, sir? Right. Sabre account. Is it somewhere in the 5.5% interest rate or something? Okay. Okay. That's just good. Okay. Yeah. Because it's an income stream. Correct. So if we so yeah. But they come it would be beneficial for you to take that hit because you've got a lower marginal tax rate, especially if you're gonna be you should just salary sacrifice whatever whatever your income is. I'll do that as a strategy. Well, whatever your income is above 18,200. So whatever that income is, you said it's about $7.50 a month, times that by $129,000 dollars. And then we've got above the 18,200 from the current wage is what was it? $2,800, something like that. So that means you can contribute essentially $11,800 to super and save money and tax. Yeah. And then draw it up because you're 65. You can draw it up very next financial year, the July 1, if you like, which is a very, very sneaky but but completely legal strategy. And then best part is you can put the money into super, pay a lot less tax, and then pull it straight out for next financial year on the first. You can pull it in on June 30 if you like. And then on the and then on the July 1, we'll do a we'll submit a notice and intent to claim with the ATO, and then you can pull the funds straight out again, then we get all our tax back in by way of tax return. Yeah. So it's like that. Yeah. You're in that little Goldilocks zone right there. Yeah. So 60 to 65, 66, 67 kind of area is where you can really benefit. So I wish I saw it. Yeah. Yeah. Yeah. Yeah. Well, fair enough. If you don't need to, don't do it. You know? I mean, don't put any more stress in your body. Exactly. And and I mean, you've got you've got the cash savings account. You've got, you know, Darren and yourself, what's what's his is yours and what's yours is yours. Right? Yeah. Exactly. This guy is training me well. So, yeah, from an asset pool perspective, it's really you know, you you you you've worked hard. And now that you wanna hang up your boots, you wanna call every day, I think you should be you should reap the rewards of your hard work along your way. So I'm gonna I'm gonna go back to that first question. What what does retirement look like for you? Were you hoping to get to eight seven? Have you got a number per week in mind? Or okay. Lovely. We love her number two payments. So I know it's not so much. Okay. Perfect. And so if that wasn't the case, would you say 67 is kind of the goal age? Or It's a good it's a good yes. Yesterday, I believe, I'm 67 years old. And so I know Darren's answer, but I'm gonna I'm gonna ask you the same question. So when you get to, say say, 65. Sorry. 67 years old and you call it a day or yesterday, whenever the retirement age is, you hang up the boots, call it a day. Done. What do you think with your current living situation, what do you think between the two of you would be a suitable income per week? Just for example, to live off. That's with all the rates and fees. Keep in mind you got no mortgage. So would you say $800 to a thousand dollars per week for each of you would be enough? What what what would you consider a pretty reasonable amount? Mhmm. Yep. Yeah. Getting hungry. Okay. So to give with to give you an idea of what that kinda looks like, so if you look at a thousand dollars a week, that's fifty two weeks and years. That's $52,000 in that year income. Right? If you join that out of something some sort of concessional environment like, let's say, superannuation, completely tax free when you pull it up. If you can get a thousand dollars a week for a couple with no mortgage, and a spam is, like, four bedroom miles, that's about that's paying all rates and fees, living comfortably, and while doing so, having about two to three overseas holidays a year. Yeah. So would that would that be a reasonable number to kind of work towards, or you still wanna stick with that 1,200? Okay. A thousand dollars is is a pretty good benchmark because, like, half of that cash in hand, thousand dollars a week between both of you, I think that's a really good number to work towards, especially being, you know, debt rate, essentially. So you only have to worry about the the council rates and wherever they're taking that money to because, again, it's just not the puddle up in front of my house. How the nose is showing me doesn't have a panel up in front of his house, like, the number's going to you. Now okay. So that's if you wanna get technical and kinda give you an idea, because you don't know where my head's at and why we asked that question. Or so we like to look at true financial freedom. Right? So so what that means and what that looks like is having a certain amount in an asset pool in investment that are appreciating value or paying dividends or whatever it might be to be able to grow by essentially $52,000 a year so that you can draw that $52,000 a year in the interest of growth, house tax free, and not affect your bottom line balance that you started with in the beginning of the year. Because then you're just living up free money. Right? That's how the whole system works. So between the both of you, where my head's at is going, well, if you want a thousand dollars a week, that's $52,000 in a year because it's 50 cheaper. There's fifty two weeks in a year, 105,000. And if I get, let's say, measurable fees and very conservative, let's say, you know, 5% return. National fees. So about 7¢ with everything inclusive. Right? If I divide that by 7%, so what I'm trying to work out is what what balance do we need to have to start off with? What by the time you get to age 67, what balance do you both accumulated need to be able to grow by 5% to live off at least to make at least 52,000 dollars in a year? Does that make sense? So and that number is 1,000 oh, sorry. $1,040,000. So accumulated until the time of retirement, you know, you if we can somehow work out a way to get a combined asset pool between both of you worth $1,040,000. I mean, and then you can even go 6%. Like, 6% because the cash rate's really the cash rate's 4.35%. So your money in the bank's making at least 4.35% every year. Alright. So let's say 6%. So 1 $52,000 divided by 0.06. So we need to get combined asset pool of $866 and 6 $666, essentially. So you're looking at about somewhere around the $8.70 mark, just to 900,000. So combined asset goal, if we can get both to be there, Darren's obviously got five to seven years. You've got a little bit less than that. But combined, if we can get you to essentially $870,000, then if we can get a return of 5% every year, you can draw that out and not affect that balance at all and live on free money. Does that make sense? Are you sure? I need to. Yes. Yeah. I wanna I wanna make sure that I'd like the the the goal that we're working towards is the same goal that you want, potentially. Some people want you know, some some clients speak to me and say, work next to nothing and say, I want to pay those apartments and super yachts tomorrow. But other client, you know, I have a big alright. It's not really realistic. But other clients just have all the money in the world and they wanna live in a beach house in The Philippines. You know what I mean? So it's it's it really depends on each person. But just by knowing you guys for the time that we're going to travel, I would say that that is a pretty good retirement thousand dollars a week. Beautiful. Okay. Well, let's work towards that. That's the goal. What else was there? Did you just wanted to catch up and just make sure you're on track? Did you wanna put in place a strategy to get to that? Or so what I will do is give you an itinerary breakdown. What we're gonna do is go through what we find out a little bit about you guys and what you you're individually as a person as Margie wants. And I just found that out. So after that, I'll show you a little bit more about us, which is the financial services guide and the OPU services guide and share the compliance numbers, all the fees, all the blah blah blah and whatever else. Obviously, your upfront are are hard for you. That's okay. I'll continue to work. But, yeah, what we'll do is after that and you understand everything, then we will go through a back time, risk profile, and then I'll shoot you through an email. You'll get me a whole bunch of documents, and then in a week to two weeks time, we'll catch up again. I'll probably sit down, come to the office. So you've both been there, and I'll present a statement of advice. And if you like what you see, then you sign it on the dotted line and we do implement everything for you. Beautiful. Alright. So we got the retirement goal, the retirement age. What did you wanna use that $1,000 for? You said something about travel. Mhmm. What is traveling look like for you? K. One times four to six weeks. Yep. And do you have any preferred spots? Or yeah. What's that Mark Twain quote? It's for life's like a novel. If you don't if you don't travel, you don't read past the first page. Right? Right. K. Yeah. Correct. Okay. Yeah. Gotcha. Gotcha. Okay. Yeah. Okay. Well, we don't well, we don't particularly know yet. You know? Once we've got you, we look at the overall pool as a couple, the both of you. Then, yeah, we can essentially work out the numbers and put it all together, and we can all catch up and go. There will be a point in time in the next couple of years. I will give you a call. I'll say, look. Call it a day. Go get that place in Vietnam. Yeah. Yeah. Well, I I'm trying my best to look after Carrie and Rykes so you don't have to don't don't don't give any more to kids. I got enough steps with you guys. So in Vietnam okay. So when you say Vietnam for three months, are you thinking about purchasing a place over there or selling your good. Okay. Cool. Perfect. Yeah. Yeah. And, like, actually absorb the culture and understand and work with it, and we can meet the local people and stuff like that. Got it. Beautiful. And then travel from there. Amazing. Alright. Well, outside of that, is there anything else you wanted us to look at? Just just folks no. Just focusing doing what we kind of work on a plan with yourself and Baron just to try and get this in ASAP. Yeah. Well, when we catch up and I go through the statement of advice, I'll give you I'll give you Darren's welcome. Obviously, he's a client. He can come in anytime, but as well. But with your authority, of course, I I don't see why he wouldn't want it. But what we can do is actually break it down for both of you so you can have, like, an overall scope, an overall idea of what the plan is and how long it's gonna take and what it's gonna look like. That makes sense? Yeah. There there there's a lot to it. So when you're talking about, let's say, superannuation, for for example, when you're looking at trying to there's always this catch 22. Right? And what we we call it risk. There's a think of like a boiling pot when you think about investing. Think about a pot like the free riches in Macbeth. Right? Gogu Gogu, boil and shovel, five meats, all those things. There's four ingredients that go in, and that is time horizon. So looking at what time you're playing with. So like you said, by the age of 60, 70, you got two years. But at most, five years or 70. Right? And that will mean that Daryl will be 65. So let's stay with the five year time horizon. So that's the time horizon. Trying to understand how much time you have. The reason for that is because of these things that volatility. So your risk capacity for volatility and your risk approach. And then after that, your risk profile, which are questions are asking a little bit. So when you're thinking about investing, a lot of the time clients come to myself and along the way, you know, almost every time when especially when things go bad, they most of the time, they come to us and say, well, I've lost all this money because some shifting financial advisers contract. Right? They invested my money into something that was really aggressive, and now my $100,000 is sitting at 60,000. And I was looking at retiring next year. Right? How do I make that money back? And every single time, I don't give them I don't give our clients the answer that they're calling here, but the answer is you should never have been taking that much risk or exposure in the first place. Because if you were taking a more defensive approach in line with your time horizon, Even though you could love the most aggressive investments on the planet, it doesn't matter because you don't have enough time to make it back to GLC two point o. Right? And so that's what we're trying to navigate at the moment. But yeah. So those four ingredients is what I'm really trying to assess because you're looking at your retirement nest egg, essentially. Okay. Well, so it's it's a hard one. I can't really say because I haven't done numbers. But I do know that you can get grouping discounts, so the super funds, not industry funds, retail funds to get you a better return, as we've seen with Darren. Rest look, industry funds are they're they're based on industry. So rest stands for Retail Employee Superannuation Trust. Alright. So it's for retail employees, which is quite like this. Alright? But when you look at the actual fundamentals, like the functionings of that fund itself and all industry funds, those little hand diamonds, you know, you've seen the adverts on, they are what's called a master trust. So they go all the assets go into one big pool. You know, kinda you're not it's not your own money. It all goes into one big consolidated pool, which these benefits and there's there's pros and cons with all of it. Right? So the pro is that it makes the admin fees extremely low because usually with the war actually with all industry funds, there's a there's a dollar figure per week or per per annum, which is usually somewhere around, you know, rest of the things like a dollar 90 or dollar 70 let's just say, for a number's sake, a dollar 50 per week at 70 at 70, I think, $78 a year. So it's really, really cheap. But you'll notice that there's also a percentage based administration fee. And that's usually, like, 0.11% including GST, something like that. And that is a very low percentage if you've got low balance. So if you're starting out in the industry, if you're 16 years old, just working at Matthews, you know, something like that, retail, then you have a Superfund contribution. You've got let's say, after a year, you got $5,000 in your Superfund. Alright? You'll you'll start you'll notice that you don't pay much in fees because of such a low balance. But the usually, when you get to the balance with most industry funds, when your balance gets to somewhere on the 50 to $80,000 depending on the fund, that kind of math, what happens is that percentage based fee starts building up. Alright? So 0.1% on $10,000 is a $100, but zero that same 0.1% on, you know, 500,000 is $5. So that that's what happens. That's usually where you see the larger balances above anywhere from 50 to $80,000 compensating for the small balance. So you're paying for the smaller balance card, essentially. So when you've got a lower balance, I think industry funds are amazing tool. Anywhere below kind of you're back. The balance you're kind of you got at the moment. You you've got somewhere around the $4,050,000 to use of cooperation. Yeah. And how much do you have left at the moment? K. But look. It it might be worthwhile having a look at the numbers and just making sure that it's it it is beneficial because there are grouping discount. Beautiful. That's exactly what I need. So what what I will do is essentially go to work. I'll take that information, go to the market, and use my software, use my research, and look at absolutely every fund out there. We've got this tool called xPlan. And because we've run our own license, we can look at every fund under under the sun. It doesn't bother us. So I'll find out if there is a cheaper one. And if it's so, then does it get you a better return? That's pretty much the aim of the game. Also notice that you got insurances. Do you have insurances inside your rest coupon? Why do you have insurances? K. Well, you're paying for them from the super fund. Yeah. Correct. So insurances, you you're essentially what we call self insured. But insurances are very it's a personalized kind of thing. Yeah. So it's just got a lot to do with culture. Indian people and African Africans Zimbabwe and South Africans. South Africans love insurance. They want all the insurance in the world to pay I don't know why I hate insurance. It's a it's a necessary evil. The whole purpose of it is to essentially cover your needs because you don't coverage yourself. And the best outcome is nothing happens. Like you. Essentially, nothing happened. Alright? And to be able to make a life or, thankfully, a life or a TPD claim. So all the premiums you've been paying per annum, and I'll find out what those are and let you know. But all those premiums that you've been paying per annum, are you super to an insurance company? You're not gonna get a refund of them if you don't claim on that. So it's the worst yeah. It's the worst financial decision you can probably have. But in saying that, if you if something did go wrong along the way, let's say when you're 45, 50 years old, something did go wrong, you wanna make sure that you're covered and you wanna make sure that you're covered for enough, which is not leaving behind any debts for your family. You don't have any debts, so what's the point in paying a premium for it? Right. So I'll probably be looking at recommending canceling notes if that's alright. Yeah. 1993 is when SIP came out. Did you have any different employments? Or did you say between 1993 until now? Did you only work for cashes? Or was there other employment, other roles? Okay. 44 and you've worked since 1993? Okay. I would assume that you would have more than even a half, like, to double your balance. You should have more than a $100,000. 1993. This is fact. So let's let's just say, what was your normal wage when you're working at Abigail? Would you would you say just on the average every year would be about $5,060,000? Or yeah. In today's dollars. So would you say it would be somewhere around the I don't know. Let's say $40,000 on average. Yeah. Yeah. No. I understand. But no matter what, since 1993 in the superannuation industry scheme, that's just a hackathon. When that came up, employers have to pay. If you were a PAYG employee, they have to pay the super guarantee contribution. So Oh, nice. Okay. How long were you doing cash in hand for? Okay. So that's alright. So when you start when was the year what year did you start being employed? 2001. So would it be fair to say twenty five years? You've been on about, on average, 30 to 40,000 a year? K. So if you're on 40,000 a year at 9% because that's what it started at, now it's 12%. Unfortunately, 9% benefit of the doubt, that's $3,600 that was would have been contributed to your super fund every year. Right? Now if I times that by twenty five years, that's $90,000 just just by way of cash. Right? That's without twenty five years of compounding return. So I would be very surprised if there isn't money line with the ATO or something like that. So what I'm gonna do is get you to sign what's called a a lost super authority. I'm gonna submit that with the ATO, and it takes about three to six months because they just the ATO are the ATO. And they will come back with any sort of lost cheaper that you have. You you'll be surprised. You know, a lot of clients say that they kept everything in the same place, and I literally found, what, three three, four, maybe maybe two months ago now, we found 200 and 1,000 we found $201,000 sitting with the ATO for for a client. Maybe. But we'll find that out for you. Yeah. It's fine with service. Beautiful. Alright. So if you wanna go on to the email I sent you for the initial complimentary consultation. Yeah. No. By the way, Kylie and I are I don't know if you're speaking spoken to her, but we're we're we're in a lot better place, which is nice. Yeah. Vulnerable moments from past traumas from both ends, I think. Yep. Send the email forty seven minutes ago. Maybe go to your junk or spam or okay. Surely somewhere out there and eat the webs, the the sky, the the space. And just to confirm, is it margaret dot dod, m a r g a r e t, dot dod, d o w d, nineteen 51@hotmail.com? K. No. That's right. As long as alright. So what I want you to do is open up the first document. The first attachment is called the o p services guide. Drive. You got the wheel of death? Alright. You should be looking at the front page, which is the I have a picture of the Gold Coast and I'll say IT Financial Services Guide by the end of the little bit. You got that? Beautiful. So this is essentially a breakdown of who we are, what we do, why we started, and a bit of a process. I'll fly through this because it's you're already at the end of the process. But the more important documents, the financial services guide itself, which is the compliance factor. And I'll spend some more time on that, but this is us. We are OTP Financial. Alright. Thank you for reaching out. I'm glad we did a good enough job for Darren to refer our own partners. Essentially, it was just I don't know if you know the story, but yeah. But my business partner, Bart and I, we took on an angel investment loan in the hundreds of thousands and we started the company in heaps of debt with zero clients in the garage in Pimpama about a decade ago, like ten years ago, nine, ten years ago. And somehow dragged ourselves through, you know, all sorts of real and for things to make it work. And we eventually started it all of this when the Hainville Commission came out into banking and finance. And we got yeah. Do you remember that? Did you see that or see it on the news? Do you remember that banking and financial commission? Yeah. So a lot of people doing bad things, like, charging the fees to states that shouldn't just kept insurance policy and charge fees on it and all sorts of gross stuff. So I'm glad that it's a good thing that they did it because there are a few of us that are trying to do the right thing. And, you know, just as everyone suspected, do anything of financial planners or asset managers? You don't really think trust is not the first thing that comes to mind, It's fair enough. But there are a few of us that are trying to do the right thing. So we started the vision, the Oaktree Financial, that garage of the vision of being the most trusted financial planning firm in Australia. I'm trying to instill the trust back into, you know, fairly stringent and regulated industry throughout the whole world. And there's our core mission and core values, little bit of a blurb. You're welcome to read that if you're struggling to sleep throughout your life, but we'll stop you out pretty quick. But the next next page is number two, but page three page I'm gonna just say that page number the bottom. So page two is the wealth cycle. This is what you've already done. And now you are in the blooming stage. So everything we everything we do is pretty corny, like, we're we're in the end of the day. So, you know, if we oak view, oak tree, it's yeah. We do the the stages in line with that. Like, nature is you'll find a lot of it along the way. But you can find a spot of the seedling with no real growth plan or strategy or direction knowing what to do. So we set them up with, you know, growing wealth for retirement, but also protecting them in case something goes wrong, which is super insurance. Afterwards, we start looking at taking up foundations, creating relationships with client's money, and getting them a nondeductible appreciating asset like that, which is what you've already done. Then after that, we start if you wanna really build wealth, you start utilizing the OPM, other people's money. Your your agent stage in Northern graphic right now does not accommodate the leveraging and gearing at all. Because if you borrow money, it's called OPM, the other people's money. You know, you don't wanna borrow to invest in shares or anything anytime soon because if the market goes down, you will yeah. You will not have enough time frame time horizon to be able to make it happen. So we don't wanna we don't wanna do that. So, yeah, that means that you've already done all those stages. Now you're sitting in the blooming stage and you're speaking to somebody like myself to try and work out the best way to hang up the boots and retire in style in that seating stage. And when you decide to, you know, call it a day completely and move on, then, you know, fall off your perch, if you would, then, you know, what's the succession plan? What does that look like? What are we gonna do then? We do all that for you as well. K? Yeah. But right now, let's focus on the blooming stage where your GTR strategy is in place for both of you because your balance doing it. It doesn't really make sense for yourself. You don't have, you know, you don't really need any complex cost structures or anything like that because you don't have that you don't have investment property, factories, and stuff. You don't I wouldn't be recommending a self managed coupon because it's too expensive. But social security strategies. So we're gonna do your super and insurances, and we're gonna start looking at social security when you get to the age of 67. Try and get as much of the tax money you paid throughout your life back. That's that's the plan. So if you do somehow enough for record, if you do if you do end up, say, having more than the asset test, it's there might be, I don't know, room for to withdraw those funds from super, let's say, complete the tax fee, and use it for a renovation on your house. You know? And maybe you wanna do the kitchen up or something like that that'll cost just as much or preferably a dollar more than what the asset has been, that $4.25 425,000 or so so that you can do up your house because your primary place of residence in your home is exempt. So we can look at strategies like that. But right now, let's just focus on the foundation. After that, there's our experienced team. There's obviously a very airbrush picture of myself in there. I got, as you know, more city miles. There's a story about us, what I just explained. There's all my degrees and all the bits and pieces and little blurb about how awesome I am. I'm not gonna go through it. And then pretty much the same thing for everyone else in the team just to show depth of company and show that we're not a one man band. K. Darren's being the opposite, he can tell you. So if I'm not available and you do come along as a client, we show benefit to you, and I'm not available, I'm not there, then there's always gonna be somebody to help you out. K? Beautiful. Outside of that, all the rest is pretty much compliance and boring stuff. You know, regulatory guide 38. We've got a a common law for district duty to protect your information. We've got huge PI insurance, so and intellectual property stuff. We've got cyber security insurance, all the rest of it. Everything you need, we need, and how to get in contact with us. The last couple pages is just a network of the other professionals that we don't provide the service for to clients. Stuff like mortgage broker, accounting, and legal. That's just a network of individuals that I like the way they work. And, you know, there's nothing worse than referring the clients on that side. A great experience with OP, let's say, and we refer them on to a new partner, and they drop the ball. Just make up for that. Right? So for that reason, I created this thing called OBA, a proud collaboration of expertise, and those are the partnering groups. So QCA, Accountants, Gold Coast Wealth Mortgage Brokers, Finance Industries Australia is more along the, like, commercial lending side. And then you've got Cape Fear and Associates and then Gold Coast accounting. So pretty much any normal basis, we we don't get any referral fees from that at all because we run our own license, our own agents. So I'll explain that to you in a second. But, yeah, that's just a little bit more about that network and how we provide extra service to clients. That do you have any questions? So next document, next attachment is our actual financial services guide. Like I said, this is a compliance stuff, so I applied through it and try and make it as painless as possible. But are you looking at that financial FSG now? Or perfect. So number one, we'll go through step by step. Number one, the purpose of this financial services guide or FSG, we call it, is to provide you with as much information as possible. And if something goes wrong or if all the services we provide, who the license is under, and what that license entails. Okay? And also if there's any conflicts of interest in how to make complaint if you want to. Secondly, here we are, we are IP Financial. We run our own Australian financial services license, which is directly under ASIC. ASIC is the Australian Securities Investment Commission. They award us a number. We Bob and I were actually the second youngest firm in the country. Yeah. We have to be able to run Naperville because of our experience. ASIC declined us first. But, yeah, they called us back about four months or so later and actually ordered us an AFSO, which quite quite feel quite privileged. But that yeah. There you go. So that AFSO number for IP Financial, the company is 513068, and we are essentially responsible for all of them taking some financial advice under that license. So lack of independence, we can't say we're independent, we won't bias, or impartial because technically, ASIC has rules rules over us, rulings over us. It's a really stupid law that we have to include. It's just obviously, it's it's section nine two three a of the Corporations Act. Very short. Yep. Nine two three a of the Courts Act. It's it's it's it's one of those legislations that are enforced and made up by, you know, politicians that have never worked in the industry before. So there's something we need to put in there, but, essentially, we even though we run our own license and make all the rules ourselves, we can recommend anything on the planet because the asset has final say over us. We can't recall ourselves independence. Yeah. That's the only thing that that means. Now the services we provide, we provide everything. If you think along with financial scope, you think of money, think of us. We can give you recommendations on it outside of mortgage broking and accounting. I am a register I am I'm qualified to be an accountant. I'm technically a registered taxation financial adviser, which is the exact same qualifications as an accountant, but I am not registered with the tax practitioners board. Reason for that is because I couldn't think of anything worse than being an accountant. So I can give advice on tax. I just don't do tax returns because I don't get paid enough, and it's just really a horrible thing to do. We need people to do that. Yeah. Correct. So I thought it worked out a way to still use what I know, but in the client's best interest, not the ATO's best interest because nobody likes the ATO. So there's a little bit more about what we can provide advice about. This is how we're going through this process, grabbing your initial client contact, so that's us talking now. In a couple weeks, we'll go through a recommendation through a statement of advice, give you an idea about the tracking for and if we can help you. In any way, From there, you'll give us consent to proceed, the ATP authority to proceed. And then just like that, we'll just get to work, influence everything, let you know in a step. And we'll review every year. And after that, there is the fees. We are professional service, and we do charge a professional service fee. I gave Darren the free, but the house that is leveraged against is yours too. So what do you deem is reasonable from a fee perspective? Because well, what we do is we charge a four that that table at number four So for the superannuation insurance advice, we do a complimentary consultation or letter of engagement to get the SOA or statement of advice started. You probably saw the statement of advice for Darren. That's very that's a lot of work that goes into that. Well, it's not I mean, everything else. But looking at your agent stage, I'll keep you in the roots bracket. So that's gonna be the the the start of the SOA is no charge. But if you were to do some more complex strategies like margin lending, gearing, leveraging, that's $2,200 to get the plan started. And then once we implement it, we charge $4,950 out of your out of your balance or whatever the funds we manage. So you're super, essentially. I would I would say that I'd be comfortable with more than halving it, say, 3,200. Would you be happy with that for an upfront fee? Cool. So I bring that down with the SOA just just to make sure that covers my plan and all the SOA and get pair of line and everything. Beautiful. And just so you're aware, we do do a couple discounts of rates. Darren's already on that. Usually, we charge 1.65% for your kind of balances. But as you can see the ongoing service fee on the couple's side, when you combine balances between 200 and 500,000, we charge 1.1% charge. And whereas if it's an individual, we charge 1.375. So we're gonna charge you both 1.1% until you get over $500,000, and then it'll drop again. K? Beautiful. We get a 100% of the revenue first of the ASR, but if anybody's licensed underneath us, we have to pay them whatever we agree to. But we've got no one underneath us. We are solely we're just a sole practice. The last main important thing is complaints. The number 11. Very bottom. What happens if I run away with your money and drink and I go to Paris and I start drinking cocktails? You know where I live exactly? You but I won't be here because I'll be in The Bahamas drinking the vena coladas. Right? Exactly. You will find me and you will break. That's right. I don't intend to. I haven't done it in ten years, and we are still within our three, five claims in a decade. Complaints, formal complaints, was for the external EIDI. So correct. No. I'm I'm not that quick at running and there's nothing inside. So thanks for that for that. But yeah. There's so if you do have a complaint, you know, something like that does happen or you just you just pissed off about something, we're pretty reasonable people. Like, you can call the compliance manager, what's called an IDR, an internal dispute resolution. IDR means you get in touch with the compliance manager, which is me. But you wouldn't wanna speak to me. So for that reason, Bart's the compliance manager as well. I hadn't seen you well, you can speak to them. We've managed to settle every discrepancy along the way except for, like, two or something because they just got dropped anyway. They were dumb. But if for some reason Bart tells you to get stuff and go away, then you can always go to what's called an EBR, an external dispute resolution. And that means that you get in touch with ATCO, the Australian Financial Complaints Authority, and all their details are there as well. And they are like give the watch so that they they come down on us pretty hard. And we are essentially at that point, we are guilty until proven innocent. Alright? So so I'd definitely see it just because, like I said, we're still within the first five free claims. But, yeah, it's a lot easier just dealing with us, no problem. Perfect. So that'll make sense. Do you have any questions or concerns? Beautiful. Now I'm gonna run through a quick back point and then a risk profile. And after that, we are done. Beautiful. Let me just find your file. There you are. Manning. I'm a manning. And then we search. Background. Okay. Let me just wait for this to open. I'll confirm some details. You don't have a middle name, do you? That's an easy. I'm like myself. For some reason, my parents just thought it would be a great idea to torture me. I don't think it works that way. Yeah. Fair enough. Okay. Yeah. Maybe you can do the best of people along the way. So, yeah. Yeah. I saw something as as well. Was it Macquarie is your is your yeah, I didn't know that. There you go. Alright. I've got the majority of your assets. I've got your private place resident and your motor vehicle. That's his work. Yep. Mhmm. No. That's alright. Just what's it worth and what's the debt value? Okay. So the account's in it. No loan on it? Perfect. And the cash in the bank is 177,010. Beautiful. Alright. Now I'm gonna ask you some questions in regard in regards to your risk profile. Like I said, these questions, yeah, I need to know your tolerance and capacity, your risk. I know your time right and know what you wanna achieve, but I just need to get more of a sense of what kind of what kind of risk financial risk taker you are. Okay? So on that note, we'll start off. Some of these questions are very dumb because they are created by the government. So I have to bother them, but I'll answer those ones for you because, yeah, they're just pretty stupid as well when I get there. But first question, starting off, how would you rate your willingness to take financial risk? Could you say that you're a very high risk taker, high risk taker, average risk taker, or low risk taker? Sorry. Where what how would you like to rate your willingness to take financial risk at your current agent stage in mind? So would you say that you're, one, a very high risk taker, two, a high risk taker, three, an average risk taker, or four, a low risk taker? Average. Beautiful. And how familiar are you with investment markets? Would you say that you are comfortable or not at all? Not familiar with investing. That's so good. And what's the most aggressive investments you've ever made? Have you ever bought direct shares personally? Or okay. That's perfect. That's exactly what I need to know. Beautiful. And the next question that I already know the answer to is once the investments have been placed in force, how long before you need access or you want to access your capital? That's why we've got the age 67. Right? So I'm gonna say between two to three years. Beautiful. Now volatility. These are important. So investments can go up and down in value over time. It's called volatility. How much could your let's say you invest your super with us. How much could your superannuation drop and fall in value by before you start feeling concerned and anxious? K? How much can it fall by? So one, more than 50%. Two, up to 50%. Three, up to 25%. Or four, up to 10%. Okay. Good. And what based on that answer, what happens if, let's say, in six months after investing your funds plus, you find out that obviously in line with general trends with the market, so some sort of collapse, your portfolio has decreased by 20%. So that's then your portfolio essentially drops by what you go for. So about $10,000. You lose 10 thousand dollars in your portfolio, it's now sitting at 30,000 after six months. What would you do? Would you, one, invest heavily for future growth? Two, invest modestly for future growth? Three, hold and wait improvement? Or four, shift to more secure assets and tell me to get stuff? Probably hold and wait and prove them up just while speaking to your professional, your financial professional? No. This is a very dumb question, but I'm gonna ask it anyway. So what kind of return and percentage do you want do you expect to achieve over the longer term? More than 8%? Between six and eight percent? Between 46%? Or just tracking the cash? You're on the highest. Right? Yeah. I assume so. I don't even know why that question is there. Alright. Alright. Last couple of questions. Have you thought about ever taking out a loan to invest? One, you borrowed or open to borrowing money for stocks and funds and manage funds and shares? Or or two, you have borrowed or open to borrowing for an investment property? You Yeah. No. Just in the past, have you ever borrowed money to invest in a share portfolio? Yep. Perfect. That's the answer I need. Okay. And then based on that question, Regal, thinking about the way you answered it, how would taking out a loan right now to invest in in the assets make you feel? Would you say that you're very comfortable and happy to do so? Would you say that you're somewhat comfortable because you're causing up risks? Would you say that you're careful with borrowing and understand that it can be very risky? Or would you say extremely worried due to significant risks and will never consider doing it doing? You've been for me along the way. Okay. Okay. Would you like to know what kind of investments and what kind of invested you are? Alright. Go more, please. So you are what we call a balanced investor. So pretty much on the on the most conservative side of investing there is. I am going to bump you I'm gonna leave you there, actually. So I've got capacity in my my in my profession. I've got capacity to for my experience to move you up or down one risk profile. I can if you wanted better return at above 8%, obviously, more risk than higher return, but also high volatility and longer time. Right? If you're looking at a two to three year time horizon or two year time horizon, then you should be looking at a very defensive portfolio. So if you're comfortable with that for a lower return in case the markets do change for the worst, I can put you in a very standard kind of tracking defensive portfolio. But if you did wanna make things a little bit pricier, I could I would be comfortable bumping you up to a balanced growth portfolio and doing a little bit more active management than usual. And just making sure that you know, if the market does drop, we sell cash and things like that. Okay. So if you are invested in shares, your $40,000 is invested in shares, and The US market collapses. GFC two point o fell 61, right, over a year and a half. If you invested a 100% in bonds, you would not have been affected by that. If you invested a 100% in shares, you would have lost 61% of your money. So what I wanna try and do is make it like a fifty fifty kind of approach, like 50% of yours or 20,000 in shares and another 20,000 in high interest, like bonds and things like that. So that you get you get income, but you're also a little bit defensive because if we put you in a high growth or risky portfolio, all shares, and the market drops tomorrow, and GFC two point o happens in the next year and a half, you've only got six months to make that 51% back, which is not enough time. K? So I would be encouraging maybe a balanced growth portfolio. What that looks like is about 60% invested into the market around the world and another 40% invested into defensive assets. Darren? Yeah. That's what I recommend. Good. Beautiful. Hey, well, don't don't get too overzealous just yet. I'm gonna see it work for us. Perfect. And look, that pretty much sums up. So when is a good time for me to get back in touch? Probably not next week. I'm fully booked. But the week after, I'm currently in Melbourne. I don't really do Wednesday. Did you wanna come into the office? Or Yeah. It makes our life a lot easier as well because we found all the printers. We got every scan and everything there. And we can, like, actually sit down and go through it, and you can be in the boardroom and all the rest of it. Alright. I will shoot you through a calendar invite. So accept that when you're ready. And, yeah, I'll also shoot you you've already provided all your documents, haven't you? Yeah. For rest. Amazing. Yeah. No. I've had a look through them. They are saved in the file. I was just hoping that all of it was there. So I did that. Yeah. And the rest gave you a full full consolidated rundown. Correct? Amazing. Amazing. And did you mail did you email just in writing, or was it an actual statement? Okay. Is there any way that you can grab a statement? Wow. Okay. Right. We're gonna get you out of rest because, yeah, you it's your money that you've worked really hard for. That's not that's not really everything she just said is not right. Yeah. It's it's your money. It's your superannuation. And they're the you're the customer. And they're the product. They should be able to provide you for tax purposes, a statement whenever you like. No. That's it. I think just just for compliance, but because I need to make sure that I've got some sort of edited backing. K. So don't stress too hard about it. I'll if we do need something, like, I'm gonna ask for your IDs and your TFA and stuff like that in email. So if you can get that through to us, if you haven't already, that'll be great. But other than that, thank you for your time, and that concludes your complimentary initial consultation. How do I do it? Out of time. Beautiful. I've done it a few times. No. The week after. Correct. Beautiful. I'll send you a calendar invite now to the Margaret Manning email at Hotmail, and you should receive that shortly. And yeah. What? Thank you for your time. Let's get to work. See you. 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you said he's got up. How are you? I'm doing well. That's good. That's good.\n\nI understand you're you're seeking some financial advice. We must have done a good job with Darren. Alright. Well, I guess, we'll start off with how can we help. Yeah.\n\nPossibly. It depends on your so I'm assuming just from memory, I think it has to do with that transition to retirement strategy or spousal contributions. Okay. How much do you think that's gonna be a a wage wise just gross over the year? You're alright.\n\nTake your time. All good. Is it under $18,200? 18. Yeah.\n\nYes. Correct. Twenty one? Okay. So let me just write that down.\n\nSo so the reason why I asked that question is because $18,200 is what we call tax free threshold. So anything between 18,200 and $1 up to 45,000, you go into the next tax bracket and then so on and so forth. So when you're looking at strategies like TTR strategies or, you know, something a little bit more complex like Darren's, the only the only benefit that you get in a tax scenario with the TTR transition to retirement strategy, I like that, is the gap between 15% and what is or what your marginal tax rate is. So if you're on 21,000 a year and I might reflect the tax free threshold. Do you know what that means?\n\nOr okay. So every dollar, if you work during the year, the financial year, and you, you know, you earn anything under in total gross, anything under $18,200, your marginal tax rate is zero. Okay? So you don't pay any tax tax rate. But every dollar you put every dollar over 18,200, say 18,201, on that $1, you will pay 17¢ per dollar including Medicare Levy.\n\nOkay. So you know, if you but if you put that same dollar towards superannuation, you only pay 15% tax. So there's a grand saving of, you know, 2% of tax, essentially, or three percent tax. So if I have a look at that, the difference in what your marginal tax rate is from tax free, because that's always best, is 2,800, and that comes up by 0.02 Not divide. One second.\n\nSorry. Two eight zero zero times five zero zero. So if you go through all the effort of setting up a similar strategy, you will save a grand total of $56 a year in tax. Yeah. So so there are but but don't fret.\n\nSo GTR is probably not for you. But don't fret. There are there are lots of weird and wonderful strategies out there, especially being in your agent stage. Okay. So I guess I wanna start off with have we talking about sponsor contributions?\n\nBut just just just never mind that for the moment. What do you wanna achieve and by when? Okay. Okay. Correct.\n\nIt used to be 66.5 years old, but now 67. You'll get the government pension and your primary place of residence is exempt From the there's there's three kind of rulings with that. There's the income test, the asset test, and the work test. So if you if you work less than it sounds like you do, but if you work less than forty consecutive hours in a month, like, in a consecutive month, then you pass the work test if you don't work more than forty hours in one month. K?\n\nThat's the work test. The asset test depends. So there's lots of weird ones for numbers that you throw out there, but for a couple, your asset exclude which is all your stuff pulled together, excluding your primary place of residence, excluding your home, the apartment. If you pull everything together, and it's less than, I believe, for a couple of you when you reach that agent stage. I could be wrong, but you can Google it.\n\nFor a couple, if you have a combined pool assets assets of, I think it's less than 425,000 for 250. They change it all the time, but that's the last time I remember. I saw it, hopefully, this financial year. Then does that sound about you guys or $425,002,250 dollars. Every well, that's everything combined excluding your house.\n\nSo your cars, your jewelry, your furniture, your superannuation, your any investments. Okay. So how much let's let's follow-up with how much you're gonna take it. Is it all in superannuation? Do you still have some cash in?\n\nYep. Correct. Well, yeah, that's the thing. So we calculated it exact in Darren's strategy. Because if you put anything more, then he will exceed certain caps, and then you get taxed at not just his highest marginal tax rate, the highest marginal tax rate.\n\nYeah. Well, we're gonna do we're gonna do some sexy stuff with that. We're gonna do what's called a notice of intent to claim. So all of that money, we're gonna essentially tell the ATO, look, That money isn't from the proceeds that came from the sale of the first time or whatever those supposed to be. So whatever your cash savings are, whatever it might be, if you can you've got some cash savings in the bank, we're gonna contribute at the super, but then draw it out straight away.\n\nBut the catch is we're gonna do what's called a notice of intent to claim. And what you get is the difference between the marginal tax rate of Darren, which is 30 I believe it's 32 and a half plus Medicare. It'll be 34.5¢ to every dollar on that 30,000. We're only paying 15% on that. And then we're gonna do a intent to claim so that he can deduct it from his taxable income, the difference between those two, which is a lot.\n\nBut that's that's the sexy stuff. So his strategy is kinda locked in. So to answer your question, no. You can't put more towards Darren Super, but you can for yourself. But there's no point.\n\nYeah. Right. Oh, actually, there might be. Your birthday just correct me if I'm wrong memories. Third or the fourth, it was one day less than mine.\n\nSo the third of the tenth. Right? Yeah. Third of the tenth. Right?\n\nAnd you're gonna turn 65 years old? That means that you will be able to draw out as much as you like on your super fund whilst the correct. Correct. I'm just trying to think of the show. Let's go through the process.\n\nI'll show you a little bit more about us and I'll get I just need to do a little bit more about understanding what you're looking for. I'm sure that we'll be able to work something up. But yeah. I've I've got a bit of an idea in my head just by knowing Darren's situation already. Okay?\n\nBeautiful. So let's get back to sorry. And how do you feel about that money? Is that, like, your safety net? Do you not wanna Yep.\n\nOkay. Okay. Perfect. And all the rest has been contributing to suit. Right?\n\nOkay. Gotcha. Gotcha. Yep. Yep.\n\nOkay. So the interest is it in a high savings, like, a high yielding kind of accounts or savings maximizer or something? Yep. And is it about that? Right.\n\nSabercont. Who's it with? Okay. So it's Suncorp, and that is a what was the name of the product again, sir? Right.\n\nSabre account. Is it somewhere in the 5.5% interest rate or something? Okay. Okay. That's just good.\n\nOkay. Yeah. Because it's an income stream. Correct. So if we so yeah.\n\nBut they come it would be beneficial for you to take that hit because you've got a lower marginal tax rate, especially if you're gonna be you should just salary sacrifice whatever whatever your income is. I'll do that as a strategy. Well, whatever your income is above 18,200. So whatever that income is, you said it's about $7.50 a month, times that by $129,000 dollars. And then we've got above the 18,200 from the current wage is what was it?\n\n$2,800, something like that. So that means you can contribute essentially $11,800 to super and save money and tax. Yeah. And then draw it up because you're 65. You can draw it up very next financial year, the July 1, if you like, which is a very, very sneaky but but completely legal strategy.\n\nAnd then best part is you can put the money into super, pay a lot less tax, and then pull it straight out for next financial year on the first. You can pull it in on June 30 if you like. And then on the and then on the July 1, we'll do a we'll submit a notice and intent to claim with the ATO, and then you can pull the funds straight out again, then we get all our tax back in by way of tax return. Yeah. So it's like that.\n\nYeah. You're in that little Goldilocks zone right there. Yeah. So 60 to 65, 66, 67 kind of area is where you can really benefit. So I wish I saw it.\n\nYeah. Yeah. Yeah. Yeah. Well, fair enough.\n\nIf you don't need to, don't do it. You know? I mean, don't put any more stress in your body. Exactly. And and I mean, you've got you've got the cash savings account.\n\nYou've got, you know, Darren and yourself, what's what's his is yours and what's yours is yours. Right? Yeah. Exactly. This guy is training me well.\n\nSo, yeah, from an asset pool perspective, it's really you know, you you you you've worked hard. And now that you wanna hang up your boots, you wanna call every day, I think you should be you should reap the rewards of your hard work along your way. So I'm gonna I'm gonna go back to that first question. What what does retirement look like for you? Were you hoping to get to eight seven?\n\nHave you got a number per week in mind? Or okay. Lovely. We love her number two payments. So I know it's not so much.\n\nOkay. Perfect. And so if that wasn't the case, would you say 67 is kind of the goal age? Or It's a good it's a good yes. Yesterday, I believe, I'm 67 years old.\n\nAnd so I know Darren's answer, but I'm gonna I'm gonna ask you the same question. So when you get to, say say, 65. Sorry. 67 years old and you call it a day or yesterday, whenever the retirement age is, you hang up the boots, call it a day. Done.\n\nWhat do you think with your current living situation, what do you think between the two of you would be a suitable income per week? Just for example, to live off. That's with all the rates and fees. Keep in mind you got no mortgage. So would you say $800 to a thousand dollars per week for each of you would be enough?\n\nWhat what what would you consider a pretty reasonable amount? Mhmm. Yep. Yeah. Getting hungry.\n\nOkay. So to give with to give you an idea of what that kinda looks like, so if you look at a thousand dollars a week, that's fifty two weeks and years. That's $52,000 in that year income. Right? If you join that out of something some sort of concessional environment like, let's say, superannuation, completely tax free when you pull it up.\n\nIf you can get a thousand dollars a week for a couple with no mortgage, and a spam is, like, four bedroom miles, that's about that's paying all rates and fees, living comfortably, and while doing so, having about two to three overseas holidays a year. Yeah. So would that would that be a reasonable number to kind of work towards, or you still wanna stick with that 1,200? Okay. A thousand dollars is is a pretty good benchmark because, like, half of that cash in hand, thousand dollars a week between both of you, I think that's a really good number to work towards, especially being, you know, debt rate, essentially.\n\nSo you only have to worry about the the council rates and wherever they're taking that money to because, again, it's just not the puddle up in front of my house. How the nose is showing me doesn't have a panel up in front of his house, like, the number's going to you. Now okay. So that's if you wanna get technical and kinda give you an idea, because you don't know where my head's at and why we asked that question. Or so we like to look at true financial freedom.\n\nRight? So so what that means and what that looks like is having a certain amount in an asset pool in investment that are appreciating value or paying dividends or whatever it might be to be able to grow by essentially $52,000 a year so that you can draw that $52,000 a year in the interest of growth, house tax free, and not affect your bottom line balance that you started with in the beginning of the year. Because then you're just living up free money. Right? That's how the whole system works.\n\nSo between the both of you, where my head's at is going, well, if you want a thousand dollars a week, that's $52,000 in a year because it's 50 cheaper. There's fifty two weeks in a year, 105,000. And if I get, let's say, measurable fees and very conservative, let's say, you know, 5% return. National fees. So about 7¢ with everything inclusive.\n\nRight? If I divide that by 7%, so what I'm trying to work out is what what balance do we need to have to start off with? What by the time you get to age 67, what balance do you both accumulated need to be able to grow by 5% to live off at least to make at least 52,000 dollars in a year? Does that make sense? So and that number is 1,000 oh, sorry.\n\n$1,040,000. So accumulated until the time of retirement, you know, you if we can somehow work out a way to get a combined asset pool between both of you worth $1,040,000. I mean, and then you can even go 6%. Like, 6% because the cash rate's really the cash rate's 4.35%. So your money in the bank's making at least 4.35% every year.\n\nAlright. So let's say 6%. So 1 $52,000 divided by 0.06. So we need to get combined asset pool of $866 and 6 $666, essentially. So you're looking at about somewhere around the $8.70 mark, just to 900,000.\n\nSo combined asset goal, if we can get both to be there, Darren's obviously got five to seven years. You've got a little bit less than that. But combined, if we can get you to essentially $870,000, then if we can get a return of 5% every year, you can draw that out and not affect that balance at all and live on free money. Does that make sense? Are you sure?\n\nI need to. Yes. Yeah. I wanna I wanna make sure that I'd like the the the goal that we're working towards is the same goal that you want, potentially. Some people want you know, some some clients speak to me and say, work next to nothing and say, I want to pay those apartments and super yachts tomorrow.\n\nBut other client, you know, I have a big alright. It's not really realistic. But other clients just have all the money in the world and they wanna live in a beach house in The Philippines. You know what I mean? So it's it's it really depends on each person.\n\nBut just by knowing you guys for the time that we're going to travel, I would say that that is a pretty good retirement thousand dollars a week. Beautiful. Okay. Well, let's work towards that. That's the goal.\n\nWhat else was there? Did you just wanted to catch up and just make sure you're on track? Did you wanna put in place a strategy to get to that? Or so what I will do is give you an itinerary breakdown. What we're gonna do is go through what we find out a little bit about you guys and what you you're individually as a person as Margie wants.\n\nAnd I just found that out. So after that, I'll show you a little bit more about us, which is the financial services guide and the OPU services guide and share the compliance numbers, all the fees, all the blah blah blah and whatever else. Obviously, your upfront are are hard for you. That's okay. I'll continue to work.\n\nBut, yeah, what we'll do is after that and you understand everything, then we will go through a back time, risk profile, and then I'll shoot you through an email. You'll get me a whole bunch of documents, and then in a week to two weeks time, we'll catch up again. I'll probably sit down, come to the office. So you've both been there, and I'll present a statement of advice. And if you like what you see, then you sign it on the dotted line and we do implement everything for you.\n\nBeautiful. Alright. So we got the retirement goal, the retirement age. What did you wanna use that $1,000 for? You said something about travel.\n\nMhmm. What is traveling look like for you? K. One times four to six weeks. Yep.\n\nAnd do you have any preferred spots? Or yeah. What's that Mark Twain quote? It's for life's like a novel. If you don't if you don't travel, you don't read past the first page.\n\nRight? Right. K. Yeah. Correct.\n\nOkay. Yeah. Gotcha. Gotcha. Okay.\n\nYeah. Okay. Well, we don't well, we don't particularly know yet. You know? Once we've got you, we look at the overall pool as a couple, the both of you.\n\nThen, yeah, we can essentially work out the numbers and put it all together, and we can all catch up and go. There will be a point in time in the next couple of years. I will give you a call. I'll say, look. Call it a day.\n\nGo get that place in Vietnam. Yeah. Yeah. Well, I I'm trying my best to look after Carrie and Rykes so you don't have to don't don't don't give any more to kids. I got enough steps with you guys.\n\nSo in Vietnam okay. So when you say Vietnam for three months, are you thinking about purchasing a place over there or selling your good. Okay. Cool. Perfect.\n\nYeah. Yeah. And, like, actually absorb the culture and understand and work with it, and we can meet the local people and stuff like that. Got it. Beautiful.\n\nAnd then travel from there. Amazing. Alright. Well, outside of that, is there anything else you wanted us to look at? Just just folks no.\n\nJust focusing doing what we kind of work on a plan with yourself and Baron just to try and get this in ASAP. Yeah. Well, when we catch up and I go through the statement of advice, I'll give you I'll give you Darren's welcome. Obviously, he's a client. He can come in anytime, but as well.\n\nBut with your authority, of course, I I don't see why he wouldn't want it. But what we can do is actually break it down for both of you so you can have, like, an overall scope, an overall idea of what the plan is and how long it's gonna take and what it's gonna look like. That makes sense? Yeah. There there there's a lot to it.\n\nSo when you're talking about, let's say, superannuation, for for example, when you're looking at trying to there's always this catch 22. Right? And what we we call it risk. There's a think of like a boiling pot when you think about investing. Think about a pot like the free riches in Macbeth.\n\nRight? Gogu Gogu, boil and shovel, five meats, all those things. There's four ingredients that go in, and that is time horizon. So looking at what time you're playing with. So like you said, by the age of 60, 70, you got two years.\n\nBut at most, five years or 70. Right? And that will mean that Daryl will be 65. So let's stay with the five year time horizon. So that's the time horizon.\n\nTrying to understand how much time you have. The reason for that is because of these things that volatility. So your risk capacity for volatility and your risk approach. And then after that, your risk profile, which are questions are asking a little bit. So when you're thinking about investing, a lot of the time clients come to myself and along the way, you know, almost every time when especially when things go bad, they most of the time, they come to us and say, well, I've lost all this money because some shifting financial advisers contract.\n\nRight? They invested my money into something that was really aggressive, and now my $100,000 is sitting at 60,000. And I was looking at retiring next year. Right? How do I make that money back?\n\nAnd every single time, I don't give them I don't give our clients the answer that they're calling here, but the answer is you should never have been taking that much risk or exposure in the first place. Because if you were taking a more defensive approach in line with your time horizon, Even though you could love the most aggressive investments on the planet, it doesn't matter because you don't have enough time to make it back to GLC two point o. Right? And so that's what we're trying to navigate at the moment. But yeah.\n\nSo those four ingredients is what I'm really trying to assess because you're looking at your retirement nest egg, essentially. Okay. Well, so it's it's a hard one. I can't really say because I haven't done numbers. But I do know that you can get grouping discounts, so the super funds, not industry funds, retail funds to get you a better return, as we've seen with Darren.\n\nRest look, industry funds are they're they're based on industry. So rest stands for Retail Employee Superannuation Trust. Alright. So it's for retail employees, which is quite like this. Alright?\n\nBut when you look at the actual fundamentals, like the functionings of that fund itself and all industry funds, those little hand diamonds, you know, you've seen the adverts on, they are what's called a master trust. So they go all the assets go into one big pool. You know, kinda you're not it's not your own money. It all goes into one big consolidated pool, which these benefits and there's there's pros and cons with all of it. Right?\n\nSo the pro is that it makes the admin fees extremely low because usually with the war actually with all industry funds, there's a there's a dollar figure per week or per per annum, which is usually somewhere around, you know, rest of the things like a dollar 90 or dollar 70 let's just say, for a number's sake, a dollar 50 per week at 70 at 70, I think, $78 a year. So it's really, really cheap. But you'll notice that there's also a percentage based administration fee. And that's usually, like, 0.11% including GST, something like that. And that is a very low percentage if you've got low balance.\n\nSo if you're starting out in the industry, if you're 16 years old, just working at Matthews, you know, something like that, retail, then you have a Superfund contribution. You've got let's say, after a year, you got $5,000 in your Superfund. Alright? You'll you'll start you'll notice that you don't pay much in fees because of such a low balance. But the usually, when you get to the balance with most industry funds, when your balance gets to somewhere on the 50 to $80,000 depending on the fund, that kind of math, what happens is that percentage based fee starts building up.\n\nAlright? So 0.1% on $10,000 is a $100, but zero that same 0.1% on, you know, 500,000 is $5. So that that's what happens. That's usually where you see the larger balances above anywhere from 50 to $80,000 compensating for the small balance. So you're paying for the smaller balance card, essentially.\n\nSo when you've got a lower balance, I think industry funds are amazing tool. Anywhere below kind of you're back. The balance you're kind of you got at the moment. You you've got somewhere around the $4,050,000 to use of cooperation. Yeah.\n\nAnd how much do you have left at the moment? K. But look. It it might be worthwhile having a look at the numbers and just making sure that it's it it is beneficial because there are grouping discount. Beautiful.\n\nThat's exactly what I need. So what what I will do is essentially go to work. I'll take that information, go to the market, and use my software, use my research, and look at absolutely every fund out there. We've got this tool called xPlan. And because we've run our own license, we can look at every fund under under the sun.\n\nIt doesn't bother us. So I'll find out if there is a cheaper one. And if it's so, then does it get you a better return? That's pretty much the aim of the game. Also notice that you got insurances.\n\nDo you have insurances inside your rest coupon? Why do you have insurances? K. Well, you're paying for them from the super fund. Yeah.\n\nCorrect. So insurances, you you're essentially what we call self insured. But insurances are very it's a personalized kind of thing. Yeah. So it's just got a lot to do with culture.\n\nIndian people and African Africans Zimbabwe and South Africans. South Africans love insurance. They want all the insurance in the world to pay I don't know why I hate insurance. It's a it's a necessary evil. The whole purpose of it is to essentially cover your needs because you don't coverage yourself.\n\nAnd the best outcome is nothing happens. Like you. Essentially, nothing happened. Alright? And to be able to make a life or, thankfully, a life or a TPD claim.\n\nSo all the premiums you've been paying per annum, and I'll find out what those are and let you know. But all those premiums that you've been paying per annum, are you super to an insurance company? You're not gonna get a refund of them if you don't claim on that. So it's the worst yeah. It's the worst financial decision you can probably have.\n\nBut in saying that, if you if something did go wrong along the way, let's say when you're 45, 50 years old, something did go wrong, you wanna make sure that you're covered and you wanna make sure that you're covered for enough, which is not leaving behind any debts for your family. You don't have any debts, so what's the point in paying a premium for it? Right. So I'll probably be looking at recommending canceling notes if that's alright. Yeah.\n\n1993 is when SIP came out. Did you have any different employments? Or did you say between 1993 until now? Did you only work for cashes? Or was there other employment, other roles?\n\nOkay. 44 and you've worked since 1993? Okay. I would assume that you would have more than even a half, like, to double your balance. You should have more than a $100,000.\n\n1993. This is fact. So let's let's just say, what was your normal wage when you're working at Abigail? Would you would you say just on the average every year would be about $5,060,000? Or yeah.\n\nIn today's dollars. So would you say it would be somewhere around the I don't know. Let's say $40,000 on average. Yeah. Yeah.\n\nNo. I understand. But no matter what, since 1993 in the superannuation industry scheme, that's just a hackathon. When that came up, employers have to pay. If you were a PAYG employee, they have to pay the super guarantee contribution.\n\nSo Oh, nice. Okay. How long were you doing cash in hand for? Okay. So that's alright.\n\nSo when you start when was the year what year did you start being employed? 2001. So would it be fair to say twenty five years? You've been on about, on average, 30 to 40,000 a year? K.\n\nSo if you're on 40,000 a year at 9% because that's what it started at, now it's 12%. Unfortunately, 9% benefit of the doubt, that's $3,600 that was would have been contributed to your super fund every year. Right? Now if I times that by twenty five years, that's $90,000 just just by way of cash. Right?\n\nThat's without twenty five years of compounding return. So I would be very surprised if there isn't money line with the ATO or something like that. So what I'm gonna do is get you to sign what's called a a lost super authority. I'm gonna submit that with the ATO, and it takes about three to six months because they just the ATO are the ATO. And they will come back with any sort of lost cheaper that you have.\n\nYou you'll be surprised. You know, a lot of clients say that they kept everything in the same place, and I literally found, what, three three, four, maybe maybe two months ago now, we found 200 and 1,000 we found $201,000 sitting with the ATO for for a client. Maybe. But we'll find that out for you. Yeah.\n\nIt's fine with service. Beautiful. Alright. So if you wanna go on to the email I sent you for the initial complimentary consultation. Yeah.\n\nNo. By the way, Kylie and I are I don't know if you're speaking spoken to her, but we're we're we're in a lot better place, which is nice. Yeah. Vulnerable moments from past traumas from both ends, I think. Yep.\n\nSend the email forty seven minutes ago. Maybe go to your junk or spam or okay. Surely somewhere out there and eat the webs, the the sky, the the space. And just to confirm, is it margaret dot dod, m a r g a r e t, dot dod, d o w d, nineteen 51@hotmail.com? K.\n\nNo. That's right. As long as alright. So what I want you to do is open up the first document. The first attachment is called the o p services guide.\n\nDrive. You got the wheel of death? Alright. You should be looking at the front page, which is the I have a picture of the Gold Coast and I'll say IT Financial Services Guide by the end of the little bit. You got that?\n\nBeautiful. So this is essentially a breakdown of who we are, what we do, why we started, and a bit of a process. I'll fly through this because it's you're already at the end of the process. But the more important documents, the financial services guide itself, which is the compliance factor. And I'll spend some more time on that, but this is us.\n\nWe are OTP Financial. Alright. Thank you for reaching out. I'm glad we did a good enough job for Darren to refer our own partners. Essentially, it was just I don't know if you know the story, but yeah.\n\nBut my business partner, Bart and I, we took on an angel investment loan in the hundreds of thousands and we started the company in heaps of debt with zero clients in the garage in Pimpama about a decade ago, like ten years ago, nine, ten years ago. And somehow dragged ourselves through, you know, all sorts of real and for things to make it work. And we eventually started it all of this when the Hainville Commission came out into banking and finance. And we got yeah. Do you remember that?\n\nDid you see that or see it on the news? Do you remember that banking and financial commission? Yeah. So a lot of people doing bad things, like, charging the fees to states that shouldn't just kept insurance policy and charge fees on it and all sorts of gross stuff. So I'm glad that it's a good thing that they did it because there are a few of us that are trying to do the right thing.\n\nAnd, you know, just as everyone suspected, do anything of financial planners or asset managers? You don't really think trust is not the first thing that comes to mind, It's fair enough. But there are a few of us that are trying to do the right thing. So we started the vision, the Oaktree Financial, that garage of the vision of being the most trusted financial planning firm in Australia. I'm trying to instill the trust back into, you know, fairly stringent and regulated industry throughout the whole world.\n\nAnd there's our core mission and core values, little bit of a blurb. You're welcome to read that if you're struggling to sleep throughout your life, but we'll stop you out pretty quick. But the next next page is number two, but page three page I'm gonna just say that page number the bottom. So page two is the wealth cycle. This is what you've already done.\n\nAnd now you are in the blooming stage. So everything we everything we do is pretty corny, like, we're we're in the end of the day. So, you know, if we oak view, oak tree, it's yeah. We do the the stages in line with that. Like, nature is you'll find a lot of it along the way.\n\nBut you can find a spot of the seedling with no real growth plan or strategy or direction knowing what to do. So we set them up with, you know, growing wealth for retirement, but also protecting them in case something goes wrong, which is super insurance. Afterwards, we start looking at taking up foundations, creating relationships with client's money, and getting them a nondeductible appreciating asset like that, which is what you've already done. Then after that, we start if you wanna really build wealth, you start utilizing the OPM, other people's money. Your your agent stage in Northern graphic right now does not accommodate the leveraging and gearing at all.\n\nBecause if you borrow money, it's called OPM, the other people's money. You know, you don't wanna borrow to invest in shares or anything anytime soon because if the market goes down, you will yeah. You will not have enough time frame time horizon to be able to make it happen. So we don't wanna we don't wanna do that. So, yeah, that means that you've already done all those stages.\n\nNow you're sitting in the blooming stage and you're speaking to somebody like myself to try and work out the best way to hang up the boots and retire in style in that seating stage. And when you decide to, you know, call it a day completely and move on, then, you know, fall off your perch, if you would, then, you know, what's the succession plan? What does that look like? What are we gonna do then? We do all that for you as well.\n\nK? Yeah. But right now, let's focus on the blooming stage where your GTR strategy is in place for both of you because your balance doing it. It doesn't really make sense for yourself. You don't have, you know, you don't really need any complex cost structures or anything like that because you don't have that you don't have investment property, factories, and stuff.\n\nYou don't I wouldn't be recommending a self managed coupon because it's too expensive. But social security strategies. So we're gonna do your super and insurances, and we're gonna start looking at social security when you get to the age of 67. Try and get as much of the tax money you paid throughout your life back. That's that's the plan.\n\nSo if you do somehow enough for record, if you do if you do end up, say, having more than the asset test, it's there might be, I don't know, room for to withdraw those funds from super, let's say, complete the tax fee, and use it for a renovation on your house. You know? And maybe you wanna do the kitchen up or something like that that'll cost just as much or preferably a dollar more than what the asset has been, that $4.25 425,000 or so so that you can do up your house because your primary place of residence in your home is exempt. So we can look at strategies like that. But right now, let's just focus on the foundation.\n\nAfter that, there's our experienced team. There's obviously a very airbrush picture of myself in there. I got, as you know, more city miles. There's a story about us, what I just explained. There's all my degrees and all the bits and pieces and little blurb about how awesome I am.\n\nI'm not gonna go through it. And then pretty much the same thing for everyone else in the team just to show depth of company and show that we're not a one man band. K. Darren's being the opposite, he can tell you. So if I'm not available and you do come along as a client, we show benefit to you, and I'm not available, I'm not there, then there's always gonna be somebody to help you out.\n\nK? Beautiful. Outside of that, all the rest is pretty much compliance and boring stuff. You know, regulatory guide 38. We've got a a common law for district duty to protect your information.\n\nWe've got huge PI insurance, so and intellectual property stuff. We've got cyber security insurance, all the rest of it. Everything you need, we need, and how to get in contact with us. The last couple pages is just a network of the other professionals that we don't provide the service for to clients. Stuff like mortgage broker, accounting, and legal.\n\nThat's just a network of individuals that I like the way they work. And, you know, there's nothing worse than referring the clients on that side. A great experience with OP, let's say, and we refer them on to a new partner, and they drop the ball. Just make up for that. Right?\n\nSo for that reason, I created this thing called OBA, a proud collaboration of expertise, and those are the partnering groups. So QCA, Accountants, Gold Coast Wealth Mortgage Brokers, Finance Industries Australia is more along the, like, commercial lending side. And then you've got Cape Fear and Associates and then Gold Coast accounting. So pretty much any normal basis, we we don't get any referral fees from that at all because we run our own license, our own agents. So I'll explain that to you in a second.\n\nBut, yeah, that's just a little bit more about that network and how we provide extra service to clients. That do you have any questions? So next document, next attachment is our actual financial services guide. Like I said, this is a compliance stuff, so I applied through it and try and make it as painless as possible. But are you looking at that financial FSG now?\n\nOr perfect. So number one, we'll go through step by step. Number one, the purpose of this financial services guide or FSG, we call it, is to provide you with as much information as possible. And if something goes wrong or if all the services we provide, who the license is under, and what that license entails. Okay?\n\nAnd also if there's any conflicts of interest in how to make complaint if you want to. Secondly, here we are, we are IP Financial. We run our own Australian financial services license, which is directly under ASIC. ASIC is the Australian Securities Investment Commission. They award us a number.\n\nWe Bob and I were actually the second youngest firm in the country. Yeah. We have to be able to run Naperville because of our experience. ASIC declined us first. But, yeah, they called us back about four months or so later and actually ordered us an AFSO, which quite quite feel quite privileged.\n\nBut that yeah. There you go. So that AFSO number for IP Financial, the company is 513068, and we are essentially responsible for all of them taking some financial advice under that license. So lack of independence, we can't say we're independent, we won't bias, or impartial because technically, ASIC has rules rules over us, rulings over us. It's a really stupid law that we have to include.\n\nIt's just obviously, it's it's section nine two three a of the Corporations Act. Very short. Yep. Nine two three a of the Courts Act. It's it's it's it's one of those legislations that are enforced and made up by, you know, politicians that have never worked in the industry before.\n\nSo there's something we need to put in there, but, essentially, we even though we run our own license and make all the rules ourselves, we can recommend anything on the planet because the asset has final say over us. We can't recall ourselves independence. Yeah. That's the only thing that that means. Now the services we provide, we provide everything.\n\nIf you think along with financial scope, you think of money, think of us. We can give you recommendations on it outside of mortgage broking and accounting. I am a register I am I'm qualified to be an accountant. I'm technically a registered taxation financial adviser, which is the exact same qualifications as an accountant, but I am not registered with the tax practitioners board. Reason for that is because I couldn't think of anything worse than being an accountant.\n\nSo I can give advice on tax. I just don't do tax returns because I don't get paid enough, and it's just really a horrible thing to do. We need people to do that. Yeah. Correct.\n\nSo I thought it worked out a way to still use what I know, but in the client's best interest, not the ATO's best interest because nobody likes the ATO. So there's a little bit more about what we can provide advice about. This is how we're going through this process, grabbing your initial client contact, so that's us talking now. In a couple weeks, we'll go through a recommendation through a statement of advice, give you an idea about the tracking for and if we can help you. In any way, From there, you'll give us consent to proceed, the ATP authority to proceed.\n\nAnd then just like that, we'll just get to work, influence everything, let you know in a step. And we'll review every year. And after that, there is the fees. We are professional service, and we do charge a professional service fee. I gave Darren the free, but the house that is leveraged against is yours too.\n\nSo what do you deem is reasonable from a fee perspective? Because well, what we do is we charge a four that that table at number four So for the superannuation insurance advice, we do a complimentary consultation or letter of engagement to get the SOA or statement of advice started. You probably saw the statement of advice for Darren. That's very that's a lot of work that goes into that. Well, it's not I mean, everything else.\n\nBut looking at your agent stage, I'll keep you in the roots bracket. So that's gonna be the the the start of the SOA is no charge. But if you were to do some more complex strategies like margin lending, gearing, leveraging, that's $2,200 to get the plan started. And then once we implement it, we charge $4,950 out of your out of your balance or whatever the funds we manage. So you're super, essentially.\n\nI would I would say that I'd be comfortable with more than halving it, say, 3,200. Would you be happy with that for an upfront fee? Cool. So I bring that down with the SOA just just to make sure that covers my plan and all the SOA and get pair of line and everything. Beautiful.\n\nAnd just so you're aware, we do do a couple discounts of rates. Darren's already on that. Usually, we charge 1.65% for your kind of balances. But as you can see the ongoing service fee on the couple's side, when you combine balances between 200 and 500,000, we charge 1.1% charge. And whereas if it's an individual, we charge 1.375.\n\nSo we're gonna charge you both 1.1% until you get over $500,000, and then it'll drop again. K? Beautiful. We get a 100% of the revenue first of the ASR, but if anybody's licensed underneath us, we have to pay them whatever we agree to. But we've got no one underneath us.\n\nWe are solely we're just a sole practice. The last main important thing is complaints. The number 11. Very bottom. What happens if I run away with your money and drink and I go to Paris and I start drinking cocktails?\n\nYou know where I live exactly? You but I won't be here because I'll be in The Bahamas drinking the vena coladas. Right? Exactly. You will find me and you will break.\n\nThat's right. I don't intend to. I haven't done it in ten years, and we are still within our three, five claims in a decade. Complaints, formal complaints, was for the external EIDI. So correct.\n\nNo. I'm I'm not that quick at running and there's nothing inside. So thanks for that for that. But yeah. There's so if you do have a complaint, you know, something like that does happen or you just you just pissed off about something, we're pretty reasonable people.\n\nLike, you can call the compliance manager, what's called an IDR, an internal dispute resolution. IDR means you get in touch with the compliance manager, which is me. But you wouldn't wanna speak to me. So for that reason, Bart's the compliance manager as well. I hadn't seen you well, you can speak to them.\n\nWe've managed to settle every discrepancy along the way except for, like, two or something because they just got dropped anyway. They were dumb. But if for some reason Bart tells you to get stuff and go away, then you can always go to what's called an EBR, an external dispute resolution. And that means that you get in touch with ATCO, the Australian Financial Complaints Authority, and all their details are there as well. And they are like give the watch so that they they come down on us pretty hard.\n\nAnd we are essentially at that point, we are guilty until proven innocent. Alright? So so I'd definitely see it just because, like I said, we're still within the first five free claims. But, yeah, it's a lot easier just dealing with us, no problem. Perfect.\n\nSo that'll make sense. Do you have any questions or concerns? Beautiful. Now I'm gonna run through a quick back point and then a risk profile. And after that, we are done.\n\nBeautiful. Let me just find your file. There you are. Manning. I'm a manning.\n\nAnd then we search. Background. Okay. Let me just wait for this to open. I'll confirm some details.\n\nYou don't have a middle name, do you? That's an easy. I'm like myself. For some reason, my parents just thought it would be a great idea to torture me. I don't think it works that way.\n\nYeah. Fair enough. Okay. Yeah. Maybe you can do the best of people along the way.\n\nSo, yeah. Yeah. I saw something as as well. Was it Macquarie is your is your yeah, I didn't know that. There you go.\n\nAlright. I've got the majority of your assets. I've got your private place resident and your motor vehicle. That's his work. Yep.\n\nMhmm. No. That's alright. Just what's it worth and what's the debt value? Okay.\n\nSo the account's in it. No loan on it? Perfect. And the cash in the bank is 177,010. Beautiful.\n\nAlright. Now I'm gonna ask you some questions in regard in regards to your risk profile. Like I said, these questions, yeah, I need to know your tolerance and capacity, your risk. I know your time right and know what you wanna achieve, but I just need to get more of a sense of what kind of what kind of risk financial risk taker you are. Okay?\n\nSo on that note, we'll start off. Some of these questions are very dumb because they are created by the government. So I have to bother them, but I'll answer those ones for you because, yeah, they're just pretty stupid as well when I get there. But first question, starting off, how would you rate your willingness to take financial risk? Could you say that you're a very high risk taker, high risk taker, average risk taker, or low risk taker?\n\nSorry. Where what how would you like to rate your willingness to take financial risk at your current agent stage in mind? So would you say that you're, one, a very high risk taker, two, a high risk taker, three, an average risk taker, or four, a low risk taker? Average. Beautiful.\n\nAnd how familiar are you with investment markets? Would you say that you are comfortable or not at all? Not familiar with investing. That's so good. And what's the most aggressive investments you've ever made?\n\nHave you ever bought direct shares personally? Or okay. That's perfect. That's exactly what I need to know. Beautiful.\n\nAnd the next question that I already know the answer to is once the investments have been placed in force, how long before you need access or you want to access your capital? That's why we've got the age 67. Right? So I'm gonna say between two to three years. Beautiful.\n\nNow volatility. These are important. So investments can go up and down in value over time. It's called volatility. How much could your let's say you invest your super with us.\n\nHow much could your superannuation drop and fall in value by before you start feeling concerned and anxious? K? How much can it fall by? So one, more than 50%. Two, up to 50%.\n\nThree, up to 25%. Or four, up to 10%. Okay. Good. And what based on that answer, what happens if, let's say, in six months after investing your funds plus, you find out that obviously in line with general trends with the market, so some sort of collapse, your portfolio has decreased by 20%.\n\nSo that's then your portfolio essentially drops by what you go for. So about $10,000. You lose 10 thousand dollars in your portfolio, it's now sitting at 30,000 after six months. What would you do? Would you, one, invest heavily for future growth?\n\nTwo, invest modestly for future growth? Three, hold and wait improvement? Or four, shift to more secure assets and tell me to get stuff? Probably hold and wait and prove them up just while speaking to your professional, your financial professional? No.\n\nThis is a very dumb question, but I'm gonna ask it anyway. So what kind of return and percentage do you want do you expect to achieve over the longer term? More than 8%? Between six and eight percent? Between 46%?\n\nOr just tracking the cash? You're on the highest. Right? Yeah. I assume so.\n\nI don't even know why that question is there. Alright. Alright. Last couple of questions. Have you thought about ever taking out a loan to invest?\n\nOne, you borrowed or open to borrowing money for stocks and funds and manage funds and shares? Or or two, you have borrowed or open to borrowing for an investment property? You Yeah. No. Just in the past, have you ever borrowed money to invest in a share portfolio?\n\nYep. Perfect. That's the answer I need. Okay. And then based on that question, Regal, thinking about the way you answered it, how would taking out a loan right now to invest in in the assets make you feel?\n\nWould you say that you're very comfortable and happy to do so? Would you say that you're somewhat comfortable because you're causing up risks? Would you say that you're careful with borrowing and understand that it can be very risky? Or would you say extremely worried due to significant risks and will never consider doing it doing? You've been for me along the way.\n\nOkay. Okay. Would you like to know what kind of investments and what kind of invested you are? Alright. Go more, please.\n\nSo you are what we call a balanced investor. So pretty much on the on the most conservative side of investing there is. I am going to bump you I'm gonna leave you there, actually. So I've got capacity in my my in my profession. I've got capacity to for my experience to move you up or down one risk profile.\n\nI can if you wanted better return at above 8%, obviously, more risk than higher return, but also high volatility and longer time. Right? If you're looking at a two to three year time horizon or two year time horizon, then you should be looking at a very defensive portfolio. So if you're comfortable with that for a lower return in case the markets do change for the worst, I can put you in a very standard kind of tracking defensive portfolio. But if you did wanna make things a little bit pricier, I could I would be comfortable bumping you up to a balanced growth portfolio and doing a little bit more active management than usual.\n\nAnd just making sure that you know, if the market does drop, we sell cash and things like that. Okay. So if you are invested in shares, your $40,000 is invested in shares, and The US market collapses. GFC two point o fell 61, right, over a year and a half. If you invested a 100% in bonds, you would not have been affected by that.\n\nIf you invested a 100% in shares, you would have lost 61% of your money. So what I wanna try and do is make it like a fifty fifty kind of approach, like 50% of yours or 20,000 in shares and another 20,000 in high interest, like bonds and things like that. So that you get you get income, but you're also a little bit defensive because if we put you in a high growth or risky portfolio, all shares, and the market drops tomorrow, and GFC two point o happens in the next year and a half, you've only got six months to make that 51% back, which is not enough time. K? So I would be encouraging maybe a balanced growth portfolio.\n\nWhat that looks like is about 60% invested into the market around the world and another 40% invested into defensive assets. Darren? Yeah. That's what I recommend. Good.\n\nBeautiful. Hey, well, don't don't get too overzealous just yet. I'm gonna see it work for us. Perfect. And look, that pretty much sums up.\n\nSo when is a good time for me to get back in touch? Probably not next week. I'm fully booked. But the week after, I'm currently in Melbourne. I don't really do Wednesday.\n\nDid you wanna come into the office? Or Yeah. It makes our life a lot easier as well because we found all the printers. We got every scan and everything there. And we can, like, actually sit down and go through it, and you can be in the boardroom and all the rest of it.\n\nAlright. I will shoot you through a calendar invite. So accept that when you're ready. And, yeah, I'll also shoot you you've already provided all your documents, haven't you? Yeah.\n\nFor rest. Amazing. Yeah. No. I've had a look through them.\n\nThey are saved in the file. I was just hoping that all of it was there. So I did that. Yeah. And the rest gave you a full full consolidated rundown.\n\nCorrect? Amazing. Amazing. And did you mail did you email just in writing, or was it an actual statement? Okay.\n\nIs there any way that you can grab a statement? Wow. Okay. Right. We're gonna get you out of rest because, yeah, you it's your money that you've worked really hard for.\n\nThat's not that's not really everything she just said is not right. Yeah. It's it's your money. It's your superannuation. And they're the you're the customer.\n\nAnd they're the product. They should be able to provide you for tax purposes, a statement whenever you like. No. That's it. I think just just for compliance, but because I need to make sure that I've got some sort of edited backing.\n\nK. So don't stress too hard about it. I'll if we do need something, like, I'm gonna ask for your IDs and your TFA and stuff like that in email. So if you can get that through to us, if you haven't already, that'll be great. But other than that, thank you for your time, and that concludes your complimentary initial consultation.\n\nHow do I do it? Out of time. Beautiful. I've done it a few times. No.\n\nThe week after. Correct. Beautiful. I'll send you a calendar invite now to the Margaret Manning email at Hotmail, and you should receive that shortly. And yeah.\n\nWhat? Thank you for your time. Let's get to work. See you. Bye.","paragraphs":[{"sentences":[{"text":"Now you said he's got up.","start":4.72,"end":6.24,"sentiment":"neutral","sentiment_score":0.11458626637856166},{"text":"How are you?","start":6.24,"end":7.14,"sentiment":"neutral","sentiment_score":0.28626246253649396},{"text":"I'm doing well.","start":7.52,"end":8.74,"sentiment":"positive","sentiment_score":0.5766399006048838},{"text":"That's good.","start":8.8,"end":9.44,"sentiment":"positive","sentiment_score":0.7390376627445221},{"text":"That's good.","start":9.44,"end":10.0,"sentiment":"positive","sentiment_score":0.6474795937538147}],"sentiment":"positive","sentiment_score":0.37807870004326105,"num_words":16,"start":4.72,"end":10.0},{"sentences":[{"text":"I understand you're you're seeking some financial advice.","start":10.0,"end":14.385,"sentiment":"neutral","sentiment_score":0.002649239730089903},{"text":"We must have done a good job with Darren.","start":14.525,"end":16.625,"sentiment":"neutral","sentiment_score":0.27233889057404465},{"text":"Alright.","start":20.765,"end":21.165,"sentiment":"neutral","sentiment_score":0.2246994227170944},{"text":"Well, I guess, we'll start off with how can we help.","start":21.165,"end":24.305,"sentiment":"neutral","sentiment_score":0.24218485978516666},{"text":"Yeah.","start":31.939999,"end":32.44,"sentiment":"neutral","sentiment_score":0.005078298971056938}],"sentiment":"neutral","sentiment_score":0.17886850374440352,"num_words":30,"start":10.0,"end":32.44},{"sentences":[{"text":"Possibly.","start":33.22,"end":33.72,"sentiment":"neutral","sentiment_score":-0.005221603438258171},{"text":"It depends on your so I'm assuming just from memory, I think it has to do with that transition to retirement strategy or spousal contributions.","start":34.02,"end":43.815,"sentiment":"neutral","sentiment_score":-0.006856954470276832},{"text":"Okay.","start":50.275,"end":50.775,"sentiment":"neutral","sentiment_score":0.002600833773612976},{"text":"How much do you think that's gonna be a a wage wise just gross over the year?","start":51.155,"end":56.055,"sentiment":"neutral","sentiment_score":0.005313298664987087},{"text":"You're alright.","start":61.17,"end":61.73,"sentiment":"neutral","sentiment_score":0.10737812519073486}],"sentiment":"neutral","sentiment_score":0.0028486455709713955,"num_words":46,"start":33.22,"end":61.73},{"sentences":[{"text":"Take your time.","start":61.73,"end":62.61,"sentiment":"neutral","sentiment_score":0.12232905626296997},{"text":"All good.","start":62.61,"end":63.27,"sentiment":"neutral","sentiment_score":0.21770327538251877},{"text":"Is it under $18,200?","start":66.85,"end":69.51,"sentiment":"neutral","sentiment_score":-0.01693313312716782},{"text":"18.","start":72.034996,"end":72.534996,"sentiment":"neutral","sentiment_score":-0.012853236868977548},{"text":"Yeah.","start":73.634995,"end":74.134995,"sentiment":"neutral","sentiment_score":-0.019709311425685883}],"sentiment":"neutral","sentiment_score":0.06382714897732843,"num_words":11,"start":61.73,"end":74.134995},{"sentences":[{"text":"Yes.","start":74.994995,"end":75.314995,"sentiment":"neutral","sentiment_score":-0.0006067897193133831},{"text":"Correct.","start":75.314995,"end":75.814995,"sentiment":"neutral","sentiment_score":-0.0030734045431017876},{"text":"Twenty one?","start":78.354996,"end":78.915,"sentiment":"neutral","sentiment_score":-0.031129609793424606},{"text":"Okay.","start":78.915,"end":79.395,"sentiment":"neutral","sentiment_score":-0.010553424246609213},{"text":"So let me just write that down.","start":79.395,"end":81.155,"sentiment":"neutral","sentiment_score":-0.0028652032571179526}],"sentiment":"neutral","sentiment_score":-0.008045771741308272,"num_words":12,"start":74.994995,"end":81.155},{"sentences":[{"text":"So so the reason why I asked that question is because $18,200 is what we call tax free threshold.","start":81.155,"end":87.770004,"sentiment":"neutral","sentiment_score":-0.028035892467749745},{"text":"So anything between 18,200 and $1 up to 45,000, you go into the next tax bracket and then so on and so forth.","start":88.47,"end":97.99,"sentiment":"neutral","sentiment_score":0.008605642811111782},{"text":"So when you're looking at strategies like TTR strategies or, you know, something a little bit more complex like Darren's, the only the only benefit that you get in a tax scenario with the TTR transition to retirement strategy, I like that, is the gap between 15% and what is or what your marginal tax rate is.","start":97.99,"end":121.78,"sentiment":"neutral","sentiment_score":0.05232434224729475},{"text":"So if you're on 21,000 a year and I might reflect the tax free threshold.","start":122.24,"end":128.965,"sentiment":"neutral","sentiment_score":0.0018077519179011384},{"text":"Do you know what that means?","start":129.02501,"end":130.225,"sentiment":"neutral","sentiment_score":-0.03357107720027367}],"sentiment":"neutral","sentiment_score":0.020611876261925014,"num_words":120,"start":81.155,"end":130.225},{"sentences":[{"text":"Or okay.","start":130.225,"end":133.02501,"sentiment":"neutral","sentiment_score":-0.054808881133794785},{"text":"So every dollar, if you work during the year, the financial year, and you, you know, you earn anything under in total gross, anything under $18,200, your marginal tax rate is zero.","start":133.02501,"end":146.15,"sentiment":"neutral","sentiment_score":0.10811206710059196},{"text":"Okay?","start":147.57,"end":147.89,"sentiment":"neutral","sentiment_score":0.04786483198404312},{"text":"So you don't pay any tax tax rate.","start":147.89,"end":149.75,"sentiment":"neutral","sentiment_score":-0.04511361557524651},{"text":"But every dollar you put every dollar over 18,200, say 18,201, on that $1, you will pay 17¢ per dollar including Medicare Levy.","start":150.07501,"end":160.655,"sentiment":"neutral","sentiment_score":0.2004753981124271}],"sentiment":"neutral","sentiment_score":0.11457512385856647,"num_words":66,"start":130.225,"end":160.655},{"sentences":[{"text":"Okay.","start":162.09001,"end":162.33,"sentiment":"neutral","sentiment_score":0.15760891139507294},{"text":"So you know, if you but if you put that same dollar towards superannuation, you only pay 15% tax.","start":162.33,"end":168.83,"sentiment":"neutral","sentiment_score":0.07959293868196637},{"text":"So there's a grand saving of, you know, 2% of tax, essentially, or three percent tax.","start":169.37001,"end":175.39,"sentiment":"neutral","sentiment_score":0.3005166435614228},{"text":"So if I have a look at that, the difference in what your marginal tax rate is from tax free, because that's always best, is 2,800, and that comes up by 0.02 Not divide.","start":175.645,"end":191.37001,"sentiment":"neutral","sentiment_score":0.15527812512043646},{"text":"One second.","start":191.99,"end":192.55,"sentiment":"neutral","sentiment_score":0.0385395884513855}],"sentiment":"neutral","sentiment_score":0.16437050658795568,"num_words":72,"start":162.09001,"end":192.55},{"sentences":[{"text":"Sorry.","start":192.55,"end":193.05,"sentiment":"neutral","sentiment_score":0.02872581407427788},{"text":"Two eight zero zero times five zero zero.","start":193.19,"end":196.65001,"sentiment":"neutral","sentiment_score":0.06136916484683752},{"text":"So if you go through all the effort of setting up a similar strategy, you will save a grand total of $56 a year in tax.","start":197.67,"end":205.485,"sentiment":"neutral","sentiment_score":0.24972662730858877},{"text":"Yeah.","start":208.365,"end":208.605,"sentiment":"neutral","sentiment_score":0.0878501832485199},{"text":"So so there are but but don't fret.","start":208.605,"end":210.845,"sentiment":"neutral","sentiment_score":0.02521014166995883}],"sentiment":"neutral","sentiment_score":0.16595688089728355,"num_words":44,"start":192.55,"end":210.845},{"sentences":[{"text":"So GTR is probably not for you.","start":210.845,"end":212.865,"sentiment":"neutral","sentiment_score":-0.11810269579291344},{"text":"But don't fret.","start":213.645,"end":214.685,"sentiment":"neutral","sentiment_score":-0.04288178309798241},{"text":"There are there are lots of weird and wonderful strategies out there, especially being in your agent stage.","start":214.685,"end":220.705,"sentiment":"neutral","sentiment_score":0.23295150366094378},{"text":"Okay.","start":222.42001,"end":222.92001,"sentiment":"neutral","sentiment_score":0.06606154888868332},{"text":"So I guess I wanna start off with have we talking about sponsor contributions?","start":223.22,"end":229.40001,"sentiment":"neutral","sentiment_score":0.07735736455236163}],"sentiment":"neutral","sentiment_score":0.10201924415521843,"num_words":43,"start":210.845,"end":229.40001},{"sentences":[{"text":"But just just just never mind that for the moment.","start":229.70001,"end":232.28,"sentiment":"neutral","sentiment_score":0.022850490361452102},{"text":"What do you wanna achieve and by when?","start":233.70001,"end":236.12001,"sentiment":"neutral","sentiment_score":0.0929123293608427},{"text":"Okay.","start":250.395,"end":250.79501,"sentiment":"neutral","sentiment_score":-0.0697956532239914},{"text":"Okay.","start":250.79501,"end":251.29501,"sentiment":"neutral","sentiment_score":-0.06013518199324608},{"text":"Correct.","start":255.36,"end":255.76,"sentiment":"neutral","sentiment_score":-0.03571991249918938}],"sentiment":"neutral","sentiment_score":0.03838822813261123,"num_words":21,"start":229.70001,"end":255.76},{"sentences":[{"text":"It used to be 66.5 years old, but now 67.","start":255.76,"end":259.13998,"sentiment":"neutral","sentiment_score":-0.05909988451749086},{"text":"You'll get the government pension and your primary place of residence is exempt From the there's there's three kind of rulings with that.","start":259.19998,"end":267.595,"sentiment":"neutral","sentiment_score":-0.07653650277010772},{"text":"There's the income test, the asset test, and the work test.","start":267.595,"end":270.815,"sentiment":"neutral","sentiment_score":0.12929189950227737},{"text":"So if you if you work less than it sounds like you do, but if you work less than forty consecutive hours in a month, like, in a consecutive month, then you pass the work test if you don't work more than forty hours in one month.","start":271.195,"end":286.76,"sentiment":"neutral","sentiment_score":0.07016636393567983},{"text":"K?","start":286.9,"end":287.4,"sentiment":"neutral","sentiment_score":0.018066776916384697}],"sentiment":"neutral","sentiment_score":0.025943025734032624,"num_words":92,"start":255.76,"end":287.4},{"sentences":[{"text":"That's the work test.","start":287.78,"end":288.91998,"sentiment":"neutral","sentiment_score":0.06227096263319254},{"text":"The asset test depends.","start":289.7,"end":291.48,"sentiment":"neutral","sentiment_score":0.019229010678827763},{"text":"So there's lots of weird ones for numbers that you throw out there, but for a couple, your asset exclude which is all your stuff pulled together, excluding your primary place of residence, excluding your home, the apartment.","start":292.205,"end":307.04,"sentiment":"neutral","sentiment_score":-0.0061347376751272305},{"text":"If you pull everything together, and it's less than, I believe, for a couple of you when you reach that agent stage.","start":307.9,"end":314.16,"sentiment":"neutral","sentiment_score":-0.07366586408831856},{"text":"I could be wrong, but you can Google it.","start":314.62,"end":316.545,"sentiment":"neutral","sentiment_score":-0.11834771351681815}],"sentiment":"neutral","sentiment_score":-0.03367400740261202,"num_words":77,"start":287.78,"end":316.545},{"sentences":[{"text":"For a couple, if you have a combined pool assets assets of, I think it's less than 425,000 for 250.","start":317.105,"end":327.125,"sentiment":"neutral","sentiment_score":-0.029135110042989253},{"text":"They change it all the time, but that's the last time I remember.","start":327.58502,"end":330.545,"sentiment":"neutral","sentiment_score":-0.049652873610074706},{"text":"I saw it, hopefully, this financial year.","start":330.545,"end":332.52,"sentiment":"neutral","sentiment_score":0.22556077156748092},{"text":"Then does that sound about you guys or $425,002,250 dollars.","start":333.72,"end":342.86,"sentiment":"neutral","sentiment_score":0.00647788904607296},{"text":"Every well, that's everything combined excluding your house.","start":347.355,"end":352.475,"sentiment":"neutral","sentiment_score":0.06105874804779887}],"sentiment":"neutral","sentiment_score":0.015585943414219495,"num_words":58,"start":317.105,"end":352.475},{"sentences":[{"text":"So your cars, your jewelry, your furniture, your superannuation, your any investments.","start":352.475,"end":358.095,"sentiment":"neutral","sentiment_score":0.12153533225258191},{"text":"Okay.","start":363.79,"end":364.29,"sentiment":"neutral","sentiment_score":0.04670026898384094},{"text":"So how much let's let's follow-up with how much you're gonna take it.","start":364.51,"end":372.67,"sentiment":"neutral","sentiment_score":0.059419896453619},{"text":"Is it all in superannuation?","start":372.67,"end":374.29,"sentiment":"neutral","sentiment_score":0.02114369533956051},{"text":"Do you still have some cash in?","start":374.75,"end":376.69,"sentiment":"neutral","sentiment_score":-0.02061226697904723}],"sentiment":"neutral","sentiment_score":0.05892146099358797,"num_words":38,"start":352.475,"end":376.69},{"sentences":[{"text":"Yep.","start":387.04498,"end":387.205,"sentiment":"neutral","sentiment_score":0.10559412091970444},{"text":"Correct.","start":387.205,"end":387.705,"sentiment":"neutral","sentiment_score":0.12768054008483887},{"text":"Well, yeah, that's the thing.","start":393.46002,"end":394.82,"sentiment":"neutral","sentiment_score":0.15262055844068528},{"text":"So we calculated it exact in Darren's strategy.","start":394.82,"end":398.76,"sentiment":"neutral","sentiment_score":0.16083980817347765},{"text":"Because if you put anything more, then he will exceed certain caps, and then you get taxed at not just his highest marginal tax rate, the highest marginal tax rate.","start":398.98,"end":408.855,"sentiment":"neutral","sentiment_score":-0.2918360692759355}],"sentiment":"neutral","sentiment_score":-0.1438219146596061,"num_words":45,"start":387.04498,"end":408.855},{"sentences":[{"text":"Yeah.","start":420.31,"end":420.81,"sentiment":"neutral","sentiment_score":0.0000500120222568512},{"text":"Well, we're gonna do we're gonna do some sexy stuff with that.","start":424.23,"end":426.87,"sentiment":"neutral","sentiment_score":0.24370985757559538},{"text":"We're gonna do what's called a notice of intent to claim.","start":426.87,"end":429.45,"sentiment":"neutral","sentiment_score":0.12925948134877466},{"text":"So all of that money, we're gonna essentially tell the ATO, look, That money isn't from the proceeds that came from the sale of the first time or whatever those supposed to be.","start":429.83002,"end":442.315,"sentiment":"neutral","sentiment_score":-0.02263067928001736},{"text":"So whatever your cash savings are, whatever it might be, if you can you've got some cash savings in the bank, we're gonna contribute at the super, but then draw it out straight away.","start":442.375,"end":451.98,"sentiment":"neutral","sentiment_score":0.08471456827486262}],"sentiment":"neutral","sentiment_score":0.07120775277879866,"num_words":91,"start":420.31,"end":451.98},{"sentences":[{"text":"But the catch is we're gonna do what's called a notice of intent to claim.","start":451.98,"end":456.62003,"sentiment":"neutral","sentiment_score":-0.0187397627470394},{"text":"And what you get is the difference between the marginal tax rate of Darren, which is 30 I believe it's 32 and a half plus Medicare.","start":456.62003,"end":465.35498,"sentiment":"neutral","sentiment_score":-0.016606294120160434},{"text":"It'll be 34.5¢ to every dollar on that 30,000.","start":465.35498,"end":468.895,"sentiment":"neutral","sentiment_score":0.002294030506163836},{"text":"We're only paying 15% on that.","start":469.115,"end":471.275,"sentiment":"neutral","sentiment_score":0.00048440032454285094},{"text":"And then we're gonna do a intent to claim so that he can deduct it from his taxable income, the difference between those two, which is a lot.","start":471.275,"end":478.36002,"sentiment":"neutral","sentiment_score":0.028886156289705207}],"sentiment":"neutral","sentiment_score":0.001412179925042788,"num_words":84,"start":451.98,"end":478.36002},{"sentences":[{"text":"But that's that's the sexy stuff.","start":478.58002,"end":480.98,"sentiment":"neutral","sentiment_score":0.15924454852938652},{"text":"So his strategy is kinda locked in.","start":480.98,"end":483.48,"sentiment":"neutral","sentiment_score":-0.24990945628711156},{"text":"So to answer your question, no.","start":483.54,"end":485.22,"sentiment":"neutral","sentiment_score":-0.12518575663367906},{"text":"You can't put more towards Darren Super, but you can for yourself.","start":485.22,"end":488.52002,"sentiment":"neutral","sentiment_score":-0.09012869621316592},{"text":"But there's no point.","start":491.01498,"end":492.235,"sentiment":"neutral","sentiment_score":-0.30794767290353775}],"sentiment":"neutral","sentiment_score":-0.11023852825164795,"num_words":35,"start":478.58002,"end":492.235},{"sentences":[{"text":"Yeah.","start":495.255,"end":495.57498,"sentiment":"neutral","sentiment_score":0.03996238857507706},{"text":"Right.","start":495.57498,"end":496.07498,"sentiment":"neutral","sentiment_score":0.026498734951019287},{"text":"Oh, actually, there might be.","start":496.29498,"end":498.155,"sentiment":"neutral","sentiment_score":-0.0428297434002161},{"text":"Your birthday just correct me if I'm wrong memories.","start":499.815,"end":502.635,"sentiment":"neutral","sentiment_score":-0.1347475465801027},{"text":"Third or the fourth, it was one day less than mine.","start":503.15,"end":504.83002,"sentiment":"neutral","sentiment_score":-0.0639828047291799}],"sentiment":"neutral","sentiment_score":-0.07645282832284768,"num_words":27,"start":495.255,"end":504.83002},{"sentences":[{"text":"So the third of the tenth.","start":504.83002,"end":506.13,"sentiment":"neutral","sentiment_score":0.004910239018499851},{"text":"Right?","start":506.75,"end":507.07,"sentiment":"neutral","sentiment_score":0.011633677408099174},{"text":"Yeah.","start":507.07,"end":507.23,"sentiment":"neutral","sentiment_score":0.015685327351093292},{"text":"Third of the tenth.","start":507.23,"end":508.03,"sentiment":"neutral","sentiment_score":0.01576639013364911},{"text":"Right?","start":508.03,"end":508.53,"sentiment":"neutral","sentiment_score":0.020003169775009155}],"sentiment":"neutral","sentiment_score":0.010757628398445936,"num_words":13,"start":504.83002,"end":508.53},{"sentences":[{"text":"And you're gonna turn 65 years old?","start":509.39,"end":511.89,"sentiment":"neutral","sentiment_score":0.01717299429167594},{"text":"That means that you will be able to draw out as much as you like on your super fund whilst the correct.","start":513.79,"end":523.315,"sentiment":"positive","sentiment_score":0.33799735592170194},{"text":"Correct.","start":523.375,"end":523.875,"sentiment":"neutral","sentiment_score":0.15529058873653412},{"text":"I'm just trying to think of the show.","start":525.055,"end":526.73505,"sentiment":"neutral","sentiment_score":0.137429210357368},{"text":"Let's go through the process.","start":526.73505,"end":528.335,"sentiment":"neutral","sentiment_score":0.1505575954914093}],"sentiment":"neutral","sentiment_score":0.22241081486910927,"num_words":43,"start":509.39,"end":528.335},{"sentences":[{"text":"I'll show you a little bit more about us and I'll get I just need to do a little bit more about understanding what you're looking for.","start":528.335,"end":534.6,"sentiment":"neutral","sentiment_score":0.1783828889882123},{"text":"I'm sure that we'll be able to work something up.","start":534.75995,"end":537.63995,"sentiment":"neutral","sentiment_score":0.19225111603736877},{"text":"But yeah.","start":537.63995,"end":538.44,"sentiment":"neutral","sentiment_score":0.0716012641787529},{"text":"I've I've got a bit of an idea in my head just by knowing Darren's situation already.","start":538.44,"end":542.54,"sentiment":"neutral","sentiment_score":0.08265391715309199},{"text":"Okay?","start":543.07996,"end":543.57996,"sentiment":"neutral","sentiment_score":0.2720012068748474}],"sentiment":"neutral","sentiment_score":0.15016086824369013,"num_words":57,"start":528.335,"end":543.57996},{"sentences":[{"text":"Beautiful.","start":544.12,"end":544.6,"sentiment":"positive","sentiment_score":0.5823190808296204},{"text":"So let's get back to sorry.","start":544.6,"end":546.77997,"sentiment":"neutral","sentiment_score":0.12234561579922835},{"text":"And how do you feel about that money?","start":555.075,"end":556.835,"sentiment":"neutral","sentiment_score":0.0641509834676981},{"text":"Is that, like, your safety net?","start":556.835,"end":558.675,"sentiment":"neutral","sentiment_score":0.04294326342642307},{"text":"Do you not wanna Yep.","start":558.675,"end":561.65,"sentiment":"neutral","sentiment_score":0.00788753256201744}],"sentiment":"neutral","sentiment_score":0.0817960725667385,"num_words":26,"start":544.12,"end":561.65},{"sentences":[{"text":"Okay.","start":572.43005,"end":572.91003,"sentiment":"neutral","sentiment_score":0.16318656504154205},{"text":"Okay.","start":572.91003,"end":573.15,"sentiment":"neutral","sentiment_score":0.2732127606868744},{"text":"Perfect.","start":573.15,"end":573.55005,"sentiment":"positive","sentiment_score":0.5042549967765808},{"text":"And all the rest has been contributing to suit.","start":573.55005,"end":576.03,"sentiment":"positive","sentiment_score":0.3767608106136322},{"text":"Right?","start":576.03,"end":576.53,"sentiment":"neutral","sentiment_score":0.14568659663200378}],"sentiment":"positive","sentiment_score":0.34439909343536085,"num_words":13,"start":572.43005,"end":576.53},{"sentences":[{"text":"Okay.","start":582.34503,"end":582.66504,"sentiment":"neutral","sentiment_score":0.04058130085468292},{"text":"Gotcha.","start":582.66504,"end":583.16504,"sentiment":"neutral","sentiment_score":0.04722592234611511},{"text":"Gotcha.","start":583.305,"end":583.805,"sentiment":"neutral","sentiment_score":0.05362813174724579},{"text":"Yep.","start":593.08,"end":593.58,"sentiment":"neutral","sentiment_score":0.15242978930473328},{"text":"Yep.","start":596.12,"end":596.62,"sentiment":"neutral","sentiment_score":0.10526858270168304}],"sentiment":"neutral","sentiment_score":0.07982674539089203,"num_words":5,"start":582.34503,"end":596.62},{"sentences":[{"text":"Okay.","start":604.42505,"end":604.825,"sentiment":"neutral","sentiment_score":0.09960350394248962},{"text":"So the interest is it in a high savings, like, a high yielding kind of accounts or savings maximizer or something?","start":604.825,"end":613.065,"sentiment":"neutral","sentiment_score":0.12467783973330543},{"text":"Yep.","start":613.065,"end":613.565,"sentiment":"neutral","sentiment_score":0.03244752436876297},{"text":"And is it about that?","start":613.625,"end":615.005,"sentiment":"neutral","sentiment_score":0.02139798365533352},{"text":"Right.","start":616.51996,"end":616.75995,"sentiment":"neutral","sentiment_score":0.01882690005004406}],"sentiment":"neutral","sentiment_score":0.09917594762197857,"num_words":29,"start":604.42505,"end":616.75995},{"sentences":[{"text":"Sabercont.","start":616.75995,"end":617.25995,"sentiment":"neutral","sentiment_score":0.009485354647040369},{"text":"Who's it with?","start":617.39996,"end":618.22,"sentiment":"neutral","sentiment_score":-0.017634523411591847},{"text":"Okay.","start":621.16,"end":621.66,"sentiment":"neutral","sentiment_score":-0.015669938176870346},{"text":"So it's Suncorp, and that is a what was the name of the product again, sir?","start":621.72,"end":627.25995,"sentiment":"neutral","sentiment_score":0.06614512205123901},{"text":"Right.","start":629.65497,"end":629.975,"sentiment":"neutral","sentiment_score":0.1145729348063469}],"sentiment":"neutral","sentiment_score":0.05062757881188935,"num_words":22,"start":616.75995,"end":629.975},{"sentences":[{"text":"Sabre account.","start":629.975,"end":630.615,"sentiment":"neutral","sentiment_score":0.06003117188811302},{"text":"Is it somewhere in the 5.5% interest rate or something?","start":630.615,"end":633.915,"sentiment":"neutral","sentiment_score":0.019631936214864254},{"text":"Okay.","start":649.17,"end":649.67,"sentiment":"neutral","sentiment_score":0.03699338063597679},{"text":"Okay.","start":658.545,"end":658.78503,"sentiment":"neutral","sentiment_score":0.08455391228199005},{"text":"That's just good.","start":658.78503,"end":659.765,"sentiment":"neutral","sentiment_score":0.09331802527109782}],"sentiment":"neutral","sentiment_score":0.04222841615624288,"num_words":17,"start":629.975,"end":659.765},{"sentences":[{"text":"Okay.","start":660.705,"end":661.105,"sentiment":"neutral","sentiment_score":0.07046367228031158},{"text":"Yeah.","start":661.105,"end":661.34503,"sentiment":"neutral","sentiment_score":0.08543248474597931},{"text":"Because it's an income stream.","start":661.34503,"end":662.625,"sentiment":"neutral","sentiment_score":0.10905432552099228},{"text":"Correct.","start":662.625,"end":663.125,"sentiment":"neutral","sentiment_score":0.12319932132959366},{"text":"So if we so yeah.","start":663.505,"end":665.505,"sentiment":"neutral","sentiment_score":0.08594484776258468}],"sentiment":"neutral","sentiment_score":0.09646856498259765,"num_words":13,"start":660.705,"end":665.505},{"sentences":[{"text":"But they come it would be beneficial for you to take that hit because you've got a lower marginal tax rate, especially if you're gonna be you should just salary sacrifice whatever whatever your income is.","start":665.505,"end":678.78,"sentiment":"neutral","sentiment_score":0.1720920583854119},{"text":"I'll do that as a strategy.","start":679.08,"end":680.52,"sentiment":"neutral","sentiment_score":0.20666762441396713},{"text":"Well, whatever your income is above 18,200.","start":680.52,"end":684.54004,"sentiment":"neutral","sentiment_score":0.12024896379028048},{"text":"So whatever that income is, you said it's about $7.50 a month, times that by $129,000 dollars.","start":684.745,"end":690.685,"sentiment":"neutral","sentiment_score":0.11643145759316052},{"text":"And then we've got above the 18,200 from the current wage is what was it?","start":690.98505,"end":696.42505,"sentiment":"neutral","sentiment_score":0.1266079326470693}],"sentiment":"neutral","sentiment_score":0.1500681032553131,"num_words":81,"start":665.505,"end":696.42505},{"sentences":[{"text":"$2,800, something like that.","start":696.42505,"end":698.82,"sentiment":"neutral","sentiment_score":0.2209613211452961},{"text":"So that means you can contribute essentially $11,800 to super and save money and tax.","start":699.06,"end":704.52,"sentiment":"positive","sentiment_score":0.4183140834172567},{"text":"Yeah.","start":706.10004,"end":706.60004,"sentiment":"neutral","sentiment_score":0.2256111204624176},{"text":"And then draw it up because you're 65.","start":707.3,"end":709.14,"sentiment":"neutral","sentiment_score":0.26232268288731575},{"text":"You can draw it up very next financial year, the July 1, if you like, which is a very, very sneaky but but completely legal strategy.","start":709.14,"end":718.66504,"sentiment":"neutral","sentiment_score":0.2949169249488757}],"sentiment":"neutral","sentiment_score":0.31760350311243973,"num_words":54,"start":696.42505,"end":718.66504},{"sentences":[{"text":"And then best part is you can put the money into super, pay a lot less tax, and then pull it straight out for next financial year on the first.","start":718.72504,"end":727.5,"sentiment":"positive","sentiment_score":0.5006019055843354},{"text":"You can pull it in on June 30 if you like.","start":727.5,"end":729.82,"sentiment":"neutral","sentiment_score":0.25632461634549225},{"text":"And then on the and then on the July 1, we'll do a we'll submit a notice and intent to claim with the ATO, and then you can pull the funds straight out again, then we get all our tax back in by way of tax return.","start":729.82,"end":740.72,"sentiment":"neutral","sentiment_score":0.25128871456105656},{"text":"Yeah.","start":742.855,"end":743.175,"sentiment":"positive","sentiment_score":0.3643820881843567},{"text":"So it's like that.","start":743.175,"end":744.135,"sentiment":"positive","sentiment_score":0.44449689239263535}],"sentiment":"positive","sentiment_score":0.34183405580059173,"num_words":93,"start":718.72504,"end":744.135},{"sentences":[{"text":"Yeah.","start":744.135,"end":744.45496,"sentiment":"neutral","sentiment_score":0.11193831264972688},{"text":"You're in that little Goldilocks zone right there.","start":744.45496,"end":747.355,"sentiment":"neutral","sentiment_score":0.23404758237302303},{"text":"Yeah.","start":747.89496,"end":748.295,"sentiment":"positive","sentiment_score":0.3917788863182068},{"text":"So 60 to 65, 66, 67 kind of area is where you can really benefit.","start":748.295,"end":754.075,"sentiment":"positive","sentiment_score":0.49154983361562093},{"text":"So I wish I saw it.","start":754.135,"end":756.15497,"sentiment":"neutral","sentiment_score":0.09623210007945697}],"sentiment":"neutral","sentiment_score":0.3331205794407475,"num_words":31,"start":744.135,"end":756.15497},{"sentences":[{"text":"Yeah.","start":770.03,"end":770.53,"sentiment":"neutral","sentiment_score":-0.03189641982316971},{"text":"Yeah.","start":772.005,"end":772.505,"sentiment":"neutral","sentiment_score":-0.08562704175710678},{"text":"Yeah.","start":773.04504,"end":773.525,"sentiment":"neutral","sentiment_score":0.011576366610825062},{"text":"Yeah.","start":773.525,"end":773.60504,"sentiment":"neutral","sentiment_score":0.02302919700741768},{"text":"Well, fair enough.","start":773.60504,"end":774.405,"sentiment":"neutral","sentiment_score":0.040856753165523216}],"sentiment":"neutral","sentiment_score":0.00566462307636227,"num_words":7,"start":770.03,"end":774.405},{"sentences":[{"text":"If you don't need to, don't do it.","start":774.405,"end":775.765,"sentiment":"neutral","sentiment_score":-0.06206764536909759},{"text":"You know?","start":775.765,"end":776.085,"sentiment":"neutral","sentiment_score":-0.039520418271422386},{"text":"I mean, don't put any more stress in your body.","start":776.085,"end":778.16504,"sentiment":"neutral","sentiment_score":-0.1374122217297554},{"text":"Exactly.","start":778.16504,"end":778.66504,"sentiment":"neutral","sentiment_score":0.005770154297351837},{"text":"And and I mean, you've got you've got the cash savings account.","start":779.205,"end":782.245,"sentiment":"neutral","sentiment_score":0.06441166313985984}],"sentiment":"neutral","sentiment_score":-0.03548466984295484,"num_words":33,"start":774.405,"end":782.245},{"sentences":[{"text":"You've got, you know, Darren and yourself, what's what's his is yours and what's yours is yours.","start":782.245,"end":787.19,"sentiment":"neutral","sentiment_score":0.08297701925039291},{"text":"Right?","start":787.19,"end":787.69,"sentiment":"neutral","sentiment_score":0.05182993412017822},{"text":"Yeah.","start":788.55,"end":789.05,"sentiment":"neutral","sentiment_score":0.057699598371982574},{"text":"Exactly.","start":789.35,"end":789.85,"sentiment":"neutral","sentiment_score":0.14408397674560547},{"text":"This guy is training me well.","start":790.31,"end":792.17,"sentiment":"positive","sentiment_score":0.3417266358931859}],"sentiment":"neutral","sentiment_score":0.14286856353282928,"num_words":26,"start":782.245,"end":792.17},{"sentences":[{"text":"So, yeah, from an asset pool perspective, it's really you know, you you you you've worked hard.","start":793.19,"end":799.43,"sentiment":"neutral","sentiment_score":0.2826542424805024},{"text":"And now that you wanna hang up your boots, you wanna call every day, I think you should be you should reap the rewards of your hard work along your way.","start":799.43,"end":808.715,"sentiment":"positive","sentiment_score":0.37905895037035786},{"text":"So I'm gonna I'm gonna go back to that first question.","start":808.715,"end":811.775,"sentiment":"neutral","sentiment_score":0.07247780906883153},{"text":"What what does retirement look like for you?","start":812.635,"end":814.715,"sentiment":"neutral","sentiment_score":0.024202550761401653},{"text":"Were you hoping to get to eight seven?","start":814.715,"end":817.11,"sentiment":"neutral","sentiment_score":0.017970432294532657}],"sentiment":"neutral","sentiment_score":0.23587452463805675,"num_words":75,"start":793.19,"end":817.11},{"sentences":[{"text":"Have you got a number per week in mind?","start":817.11,"end":820.09,"sentiment":"neutral","sentiment_score":0.0048859077505767345},{"text":"Or okay.","start":820.15,"end":826.97003,"sentiment":"neutral","sentiment_score":-0.06066223233938217},{"text":"Lovely.","start":834.48505,"end":834.98505,"sentiment":"positive","sentiment_score":0.40308934450149536},{"text":"We love her number two payments.","start":835.84503,"end":837.465,"sentiment":"positive","sentiment_score":0.5042009105285009},{"text":"So I know it's not so much.","start":837.68506,"end":839.22504,"sentiment":"neutral","sentiment_score":-0.12634806228535517}],"sentiment":"neutral","sentiment_score":0.09866028307005763,"num_words":25,"start":817.11,"end":839.22504},{"sentences":[{"text":"Okay.","start":840.325,"end":840.72504,"sentiment":"positive","sentiment_score":0.41292476654052734},{"text":"Perfect.","start":840.72504,"end":841.22504,"sentiment":"positive","sentiment_score":0.6264113783836365},{"text":"And so if that wasn't the case, would you say 67 is kind of the goal age?","start":842.38995,"end":846.63,"sentiment":"neutral","sentiment_score":0.06304696235148345},{"text":"Or It's a good it's a good yes.","start":846.63,"end":851.75,"sentiment":"positive","sentiment_score":0.4853912328835577},{"text":"Yesterday, I believe, I'm 67 years old.","start":851.75,"end":856.08496,"sentiment":"neutral","sentiment_score":0.025352941559893743}],"sentiment":"neutral","sentiment_score":0.1815216164378559,"num_words":34,"start":840.325,"end":856.08496},{"sentences":[{"text":"And so I know Darren's answer, but I'm gonna I'm gonna ask you the same question.","start":856.08496,"end":863.14496,"sentiment":"neutral","sentiment_score":0.01658408305956982},{"text":"So when you get to, say say, 65.","start":863.285,"end":867.84,"sentiment":"neutral","sentiment_score":-0.01428112993016839},{"text":"Sorry.","start":868.24005,"end":868.48004,"sentiment":"neutral","sentiment_score":-0.07301139831542969},{"text":"67 years old and you call it a day or yesterday, whenever the retirement age is, you hang up the boots, call it a day.","start":868.48004,"end":874.16003,"sentiment":"neutral","sentiment_score":-0.06091653943061828},{"text":"Done.","start":874.16003,"end":874.66003,"sentiment":"neutral","sentiment_score":0.013202672824263573}],"sentiment":"neutral","sentiment_score":-0.028071096504801045,"num_words":51,"start":856.08496,"end":874.66003},{"sentences":[{"text":"What do you think with your current living situation, what do you think between the two of you would be a suitable income per week?","start":875.60004,"end":884.595,"sentiment":"neutral","sentiment_score":-0.015650643035769463},{"text":"Just for example, to live off.","start":885.13495,"end":887.07495,"sentiment":"neutral","sentiment_score":0.035255903378129005},{"text":"That's with all the rates and fees.","start":887.45496,"end":888.89496,"sentiment":"neutral","sentiment_score":0.07031266205012798},{"text":"Keep in mind you got no mortgage.","start":888.89496,"end":890.25494,"sentiment":"neutral","sentiment_score":0.04507577871637685},{"text":"So would you say $800 to a thousand dollars per week for each of you would be enough?","start":890.25494,"end":895.07495,"sentiment":"neutral","sentiment_score":0.04811943984693951}],"sentiment":"neutral","sentiment_score":0.023716481698174325,"num_words":63,"start":875.60004,"end":895.07495},{"sentences":[{"text":"What what what would you consider a pretty reasonable amount?","start":898.79,"end":901.93,"sentiment":"neutral","sentiment_score":0.0779791172593832},{"text":"Mhmm.","start":908.39,"end":908.79,"sentiment":"neutral","sentiment_score":0.026401672512292865},{"text":"Yep.","start":908.79,"end":909.29,"sentiment":"neutral","sentiment_score":0.025534747168421745},{"text":"Yeah.","start":910.395,"end":910.895,"sentiment":"neutral","sentiment_score":0.006106136366724968},{"text":"Getting hungry.","start":916.23505,"end":917.055,"sentiment":"neutral","sentiment_score":-0.11732376366853714}],"sentiment":"neutral","sentiment_score":0.04021241342027982,"num_words":15,"start":898.79,"end":917.055},{"sentences":[{"text":"Okay.","start":917.275,"end":917.59503,"sentiment":"neutral","sentiment_score":0.04123897850513458},{"text":"So to give with to give you an idea of what that kinda looks like, so if you look at a thousand dollars a week, that's fifty two weeks and years.","start":917.59503,"end":927.19,"sentiment":"neutral","sentiment_score":0.05626113863000946},{"text":"That's $52,000 in that year income.","start":927.19,"end":930.17,"sentiment":"neutral","sentiment_score":0.10805655270814896},{"text":"Right?","start":930.23004,"end":930.47003,"sentiment":"neutral","sentiment_score":0.07039597630500793},{"text":"If you join that out of something some sort of concessional environment like, let's say, superannuation, completely tax free when you pull it up.","start":930.47003,"end":938.49,"sentiment":"neutral","sentiment_score":0.08584347848470013}],"sentiment":"neutral","sentiment_score":0.07244941352733544,"num_words":63,"start":917.275,"end":938.49},{"sentences":[{"text":"If you can get a thousand dollars a week for a couple with no mortgage, and a spam is, like, four bedroom miles, that's about that's paying all rates and fees, living comfortably, and while doing so, having about two to three overseas holidays a year.","start":938.75494,"end":954.375,"sentiment":"neutral","sentiment_score":0.13468159338378388},{"text":"Yeah.","start":956.09,"end":956.41003,"sentiment":"neutral","sentiment_score":0.1401718258857727},{"text":"So would that would that be a reasonable number to kind of work towards, or you still wanna stick with that 1,200?","start":956.41003,"end":961.95,"sentiment":"neutral","sentiment_score":0.16459433836015788},{"text":"Okay.","start":968.52496,"end":969.02496,"sentiment":"positive","sentiment_score":0.4028342366218567},{"text":"A thousand dollars is is a pretty good benchmark because, like, half of that cash in hand, thousand dollars a week between both of you, I think that's a really good number to work towards, especially being, you know, debt rate, essentially.","start":969.32495,"end":984.67,"sentiment":"positive","sentiment_score":0.636876567488625}],"sentiment":"neutral","sentiment_score":0.3313236663982804,"num_words":112,"start":938.75494,"end":984.67},{"sentences":[{"text":"So you only have to worry about the the council rates and wherever they're taking that money to because, again, it's just not the puddle up in front of my house.","start":988.01,"end":995.95,"sentiment":"neutral","sentiment_score":0.11712737821583305},{"text":"How the nose is showing me doesn't have a panel up in front of his house, like, the number's going to you.","start":998.78503,"end":1004.16504,"sentiment":"neutral","sentiment_score":0.013753467154773798},{"text":"Now okay.","start":1005.265,"end":1006.065,"sentiment":"neutral","sentiment_score":0.1530592069029808},{"text":"So that's if you wanna get technical and kinda give you an idea, because you don't know where my head's at and why we asked that question.","start":1006.065,"end":1013.10504,"sentiment":"neutral","sentiment_score":0.10434040316828976},{"text":"Or so we like to look at true financial freedom.","start":1013.10504,"end":1020.14,"sentiment":"neutral","sentiment_score":0.20807260349392892}],"sentiment":"neutral","sentiment_score":0.09932130800418394,"num_words":92,"start":988.01,"end":1020.14},{"sentences":[{"text":"Right?","start":1020.36,"end":1020.68,"sentiment":"neutral","sentiment_score":0.20966017246246335},{"text":"So so what that means and what that looks like is having a certain amount in an asset pool in investment that are appreciating value or paying dividends or whatever it might be to be able to grow by essentially $52,000 a year so that you can draw that $52,000 a year in the interest of growth, house tax free, and not affect your bottom line balance that you started with in the beginning of the year.","start":1020.68,"end":1047.85,"sentiment":"neutral","sentiment_score":0.3155683373863047},{"text":"Because then you're just living up free money.","start":1047.85,"end":1049.6901,"sentiment":"positive","sentiment_score":0.404770789667964},{"text":"Right?","start":1049.6901,"end":1050.01,"sentiment":"neutral","sentiment_score":0.2999502718448639},{"text":"That's how the whole system works.","start":1050.01,"end":1051.6901,"sentiment":"positive","sentiment_score":0.39353615542252857}],"sentiment":"neutral","sentiment_score":0.3269651147627061,"num_words":93,"start":1020.36,"end":1051.6901},{"sentences":[{"text":"So between the both of you, where my head's at is going, well, if you want a thousand dollars a week, that's $52,000 in a year because it's 50 cheaper.","start":1051.6901,"end":1061.275,"sentiment":"neutral","sentiment_score":0.28489275127649305},{"text":"There's fifty two weeks in a year, 105,000.","start":1061.275,"end":1063.9349,"sentiment":"neutral","sentiment_score":0.25864930637180805},{"text":"And if I get, let's say, measurable fees and very conservative, let's say, you know, 5% return.","start":1064.475,"end":1072.335,"sentiment":"neutral","sentiment_score":0.11667055987259921},{"text":"National fees.","start":1073.115,"end":1073.755,"sentiment":"neutral","sentiment_score":0.08954441919922829},{"text":"So about 7¢ with everything inclusive.","start":1073.755,"end":1076.1499,"sentiment":"neutral","sentiment_score":0.16331539154052735}],"sentiment":"neutral","sentiment_score":0.21927487585813768,"num_words":63,"start":1051.6901,"end":1076.1499},{"sentences":[{"text":"Right?","start":1076.2899,"end":1076.7899,"sentiment":"neutral","sentiment_score":0.10489968955516817},{"text":"If I divide that by 7%, so what I'm trying to work out is what what balance do we need to have to start off with?","start":1077.4099,"end":1088.115,"sentiment":"neutral","sentiment_score":0.03293198282615496},{"text":"What by the time you get to age 67, what balance do you both accumulated need to be able to grow by 5% to live off at least to make at least 52,000 dollars in a year?","start":1088.195,"end":1100.995,"sentiment":"neutral","sentiment_score":0.043693381714055665},{"text":"Does that make sense?","start":1100.995,"end":1101.875,"sentiment":"neutral","sentiment_score":0.03816519118845463},{"text":"So and that number is 1,000 oh, sorry.","start":1101.875,"end":1106.0599,"sentiment":"neutral","sentiment_score":0.14796296320855618}],"sentiment":"neutral","sentiment_score":0.051501984695756904,"num_words":76,"start":1076.2899,"end":1106.0599},{"sentences":[{"text":"$1,040,000.","start":1106.0599,"end":1108.24,"sentiment":"neutral","sentiment_score":0.1211777925491333},{"text":"So accumulated until the time of retirement, you know, you if we can somehow work out a way to get a combined asset pool between both of you worth $1,040,000.","start":1109.02,"end":1122.085,"sentiment":"neutral","sentiment_score":0.1784253699084123},{"text":"I mean, and then you can even go 6%.","start":1122.085,"end":1124.4049,"sentiment":"neutral","sentiment_score":0.19956021342012617},{"text":"Like, 6% because the cash rate's really the cash rate's 4.35%.","start":1124.4049,"end":1129.205,"sentiment":"neutral","sentiment_score":0.1540192331780087},{"text":"So your money in the bank's making at least 4.35% every year.","start":1129.205,"end":1132.9049,"sentiment":"neutral","sentiment_score":0.16688246838748455}],"sentiment":"neutral","sentiment_score":0.17407590470143727,"num_words":63,"start":1106.0599,"end":1132.9049},{"sentences":[{"text":"Alright.","start":1133.33,"end":1133.49,"sentiment":"neutral","sentiment_score":0.15930147469043732},{"text":"So let's say 6%.","start":1133.49,"end":1134.85,"sentiment":"neutral","sentiment_score":0.12371773459017277},{"text":"So 1 $52,000 divided by 0.06.","start":1134.85,"end":1139.43,"sentiment":"neutral","sentiment_score":0.08611422404646873},{"text":"So we need to get combined asset pool of $866 and 6 $666, essentially.","start":1139.57,"end":1146.71,"sentiment":"neutral","sentiment_score":0.13380193603890284},{"text":"So you're looking at about somewhere around the $8.70 mark, just to 900,000.","start":1147.245,"end":1152.785,"sentiment":"neutral","sentiment_score":0.07851595431566238}],"sentiment":"neutral","sentiment_score":0.10696821757837345,"num_words":38,"start":1133.33,"end":1152.785},{"sentences":[{"text":"So combined asset goal, if we can get both to be there, Darren's obviously got five to seven years.","start":1152.925,"end":1157.965,"sentiment":"neutral","sentiment_score":0.11684080781905275},{"text":"You've got a little bit less than that.","start":1157.965,"end":1159.44,"sentiment":"neutral","sentiment_score":-0.06791913509368896},{"text":"But combined, if we can get you to essentially $870,000, then if we can get a return of 5% every year, you can draw that out and not affect that balance at all and live on free money.","start":1159.84,"end":1173.3799,"sentiment":"positive","sentiment_score":0.35225898811691686},{"text":"Does that make sense?","start":1175.5751,"end":1178.495,"sentiment":"neutral","sentiment_score":0.11416642460972071},{"text":"Are you sure?","start":1178.495,"end":1179.515,"sentiment":"neutral","sentiment_score":0.014631090685725212}],"sentiment":"neutral","sentiment_score":0.21615309426043597,"num_words":72,"start":1152.925,"end":1179.515},{"sentences":[{"text":"I need to.","start":1180.2151,"end":1181.1951,"sentiment":"neutral","sentiment_score":-0.0720229297876358},{"text":"Yes.","start":1181.895,"end":1182.395,"sentiment":"neutral","sentiment_score":0.0861244723200798},{"text":"Yeah.","start":1182.6951,"end":1182.935,"sentiment":"neutral","sentiment_score":0.13094916939735413},{"text":"I wanna I wanna make sure that I'd like the the the goal that we're working towards is the same goal that you want, potentially.","start":1182.935,"end":1189.275,"sentiment":"neutral","sentiment_score":0.23735883831977844},{"text":"Some people want you know, some some clients speak to me and say, work next to nothing and say, I want to pay those apartments and super yachts tomorrow.","start":1191.01,"end":1198.23,"sentiment":"neutral","sentiment_score":-0.06982548380720205}],"sentiment":"neutral","sentiment_score":0.0662718098294937,"num_words":59,"start":1180.2151,"end":1198.23},{"sentences":[{"text":"But other client, you know, I have a big alright.","start":1198.9299,"end":1202.13,"sentiment":"neutral","sentiment_score":-0.2262541323900223},{"text":"It's not really realistic.","start":1202.13,"end":1203.4299,"sentiment":"negative","sentiment_score":-0.3990504965186119},{"text":"But other clients just have all the money in the world and they wanna live in a beach house in The Philippines.","start":1203.49,"end":1208.7649,"sentiment":"neutral","sentiment_score":-0.17835125496441667},{"text":"You know what I mean?","start":1208.9049,"end":1209.7849,"sentiment":"neutral","sentiment_score":-0.14344575703144075},{"text":"So it's it's it really depends on each person.","start":1209.7849,"end":1212.105,"sentiment":"neutral","sentiment_score":-0.1271567874484592}],"sentiment":"neutral","sentiment_score":-0.19288221582770348,"num_words":50,"start":1198.9299,"end":1212.105},{"sentences":[{"text":"But just by knowing you guys for the time that we're going to travel, I would say that that is a pretty good retirement thousand dollars a week.","start":1212.105,"end":1223.07,"sentiment":"positive","sentiment_score":0.513407479439463},{"text":"Beautiful.","start":1224.73,"end":1225.23,"sentiment":"positive","sentiment_score":0.7189061641693115},{"text":"Okay.","start":1225.45,"end":1225.7699,"sentiment":"positive","sentiment_score":0.47373396158218384},{"text":"Well, let's work towards that.","start":1225.7699,"end":1227.0499,"sentiment":"positive","sentiment_score":0.4602706491947174},{"text":"That's the goal.","start":1227.0499,"end":1227.95,"sentiment":"positive","sentiment_score":0.5019586185614268}],"sentiment":"positive","sentiment_score":0.5098757539924822,"num_words":38,"start":1212.105,"end":1227.95},{"sentences":[{"text":"What else was there?","start":1229.2899,"end":1230.57,"sentiment":"neutral","sentiment_score":0.17384007200598717},{"text":"Did you just wanted to catch up and just make sure you're on track?","start":1230.57,"end":1233.45,"sentiment":"neutral","sentiment_score":0.2081798112818173},{"text":"Did you wanna put in place a strategy to get to that?","start":1233.45,"end":1236.33,"sentiment":"neutral","sentiment_score":0.1387325736383597},{"text":"Or so what I will do is give you an itinerary breakdown.","start":1236.33,"end":1247.5851,"sentiment":"neutral","sentiment_score":0.12729905235270658},{"text":"What we're gonna do is go through what we find out a little bit about you guys and what you you're individually as a person as Margie wants.","start":1247.5851,"end":1256.13,"sentiment":"neutral","sentiment_score":0.1653315531355994}],"sentiment":"neutral","sentiment_score":0.16330772350941386,"num_words":70,"start":1229.2899,"end":1256.13},{"sentences":[{"text":"And I just found that out.","start":1256.51,"end":1257.79,"sentiment":"neutral","sentiment_score":0.21651032815376917},{"text":"So after that, I'll show you a little bit more about us, which is the financial services guide and the OPU services guide and share the compliance numbers, all the fees, all the blah blah blah and whatever else.","start":1257.79,"end":1269.675,"sentiment":"neutral","sentiment_score":0.11732538111316852},{"text":"Obviously, your upfront are are hard for you.","start":1270.055,"end":1273.0951,"sentiment":"neutral","sentiment_score":-0.22079017478972673},{"text":"That's okay.","start":1273.0951,"end":1273.915,"sentiment":"neutral","sentiment_score":0.03980016568675637},{"text":"I'll continue to work.","start":1274.6151,"end":1275.915,"sentiment":"neutral","sentiment_score":0.10719896107912064}],"sentiment":"neutral","sentiment_score":0.07825129846963337,"num_words":59,"start":1256.51,"end":1275.915},{"sentences":[{"text":"But, yeah, what we'll do is after that and you understand everything, then we will go through a back time, risk profile, and then I'll shoot you through an email.","start":1276.135,"end":1286.5599,"sentiment":"neutral","sentiment_score":0.10014472827315331},{"text":"You'll get me a whole bunch of documents, and then in a week to two weeks time, we'll catch up again.","start":1286.5599,"end":1292.08,"sentiment":"neutral","sentiment_score":0.10163406761629241},{"text":"I'll probably sit down, come to the office.","start":1292.08,"end":1294.245,"sentiment":"neutral","sentiment_score":0.11503162700682878},{"text":"So you've both been there, and I'll present a statement of advice.","start":1294.405,"end":1297.365,"sentiment":"neutral","sentiment_score":0.19625622034072876},{"text":"And if you like what you see, then you sign it on the dotted line and we do implement everything for you.","start":1297.365,"end":1302.985,"sentiment":"neutral","sentiment_score":0.26067961210554297}],"sentiment":"neutral","sentiment_score":0.15213910101722644,"num_words":93,"start":1276.135,"end":1302.985},{"sentences":[{"text":"Beautiful.","start":1305.6849,"end":1306.1849,"sentiment":"positive","sentiment_score":0.6256006360054016},{"text":"Alright.","start":1306.98,"end":1307.3,"sentiment":"neutral","sentiment_score":0.248119056224823},{"text":"So we got the retirement goal, the retirement age.","start":1307.3,"end":1310.28,"sentiment":"neutral","sentiment_score":0.14869343572192723},{"text":"What did you wanna use that $1,000 for?","start":1310.5,"end":1312.98,"sentiment":"neutral","sentiment_score":0.09554264834150672},{"text":"You said something about travel.","start":1312.98,"end":1314.6,"sentiment":"neutral","sentiment_score":0.02204976826906204}],"sentiment":"neutral","sentiment_score":0.12860627674187222,"num_words":24,"start":1305.6849,"end":1314.6},{"sentences":[{"text":"Mhmm.","start":1322.575,"end":1322.655,"sentiment":"neutral","sentiment_score":0.045961104333400726},{"text":"What is traveling look like for you?","start":1322.655,"end":1324.6749,"sentiment":"neutral","sentiment_score":0.03685884503647685},{"text":"K.","start":1331.0549,"end":1331.535,"sentiment":"neutral","sentiment_score":0.037491172552108765},{"text":"One times four to six weeks.","start":1331.535,"end":1333.775,"sentiment":"neutral","sentiment_score":0.06422270524005096},{"text":"Yep.","start":1333.775,"end":1334.275,"sentiment":"neutral","sentiment_score":0.2065986692905426}],"sentiment":"neutral","sentiment_score":0.058337443304480985,"num_words":16,"start":1322.575,"end":1334.275},{"sentences":[{"text":"And do you have any preferred spots?","start":1335.15,"end":1337.79,"sentiment":"neutral","sentiment_score":0.1574168631008693},{"text":"Or yeah.","start":1337.79,"end":1343.9501,"sentiment":"neutral","sentiment_score":0.14625324308872223},{"text":"What's that Mark Twain quote?","start":1343.9501,"end":1345.2301,"sentiment":"neutral","sentiment_score":0.12423956096172332},{"text":"It's for life's like a novel.","start":1345.2301,"end":1346.51,"sentiment":"neutral","sentiment_score":0.1615989406903585},{"text":"If you don't if you don't travel, you don't read past the first page.","start":1346.51,"end":1350.215,"sentiment":"neutral","sentiment_score":-0.05132800526916981}],"sentiment":"neutral","sentiment_score":0.06666540891370352,"num_words":34,"start":1335.15,"end":1350.215},{"sentences":[{"text":"Right?","start":1350.215,"end":1350.715,"sentiment":"neutral","sentiment_score":0.05937134847044945},{"text":"Right.","start":1351.255,"end":1351.755,"sentiment":"neutral","sentiment_score":0.186723530292511},{"text":"K.","start":1361.03,"end":1361.53,"sentiment":"neutral","sentiment_score":0.15252259373664856},{"text":"Yeah.","start":1369.51,"end":1369.91,"sentiment":"neutral","sentiment_score":0.1776546835899353},{"text":"Correct.","start":1369.91,"end":1370.41,"sentiment":"neutral","sentiment_score":0.2691211402416229}],"sentiment":"neutral","sentiment_score":0.16907865926623344,"num_words":5,"start":1350.215,"end":1370.41},{"sentences":[{"text":"Okay.","start":1376.1749,"end":1376.6749,"sentiment":"neutral","sentiment_score":-0.05893205478787422},{"text":"Yeah.","start":1378.895,"end":1379.215,"sentiment":"neutral","sentiment_score":0.018372491002082825},{"text":"Gotcha.","start":1379.215,"end":1379.695,"sentiment":"neutral","sentiment_score":-0.03536684811115265},{"text":"Gotcha.","start":1379.695,"end":1380.195,"sentiment":"neutral","sentiment_score":-0.0235496424138546},{"text":"Okay.","start":1388.1699,"end":1388.6699,"sentiment":"neutral","sentiment_score":-0.050448112189769745}],"sentiment":"neutral","sentiment_score":-0.02998483330011368,"num_words":5,"start":1376.1749,"end":1388.6699},{"sentences":[{"text":"Yeah.","start":1389.49,"end":1389.99,"sentiment":"neutral","sentiment_score":-0.05004462227225304},{"text":"Okay.","start":1390.8099,"end":1391.3099,"sentiment":"neutral","sentiment_score":-0.0489865243434906},{"text":"Well, we don't well, we don't particularly know yet.","start":1395.0499,"end":1397.45,"sentiment":"neutral","sentiment_score":-0.23961474166976082},{"text":"You know?","start":1397.45,"end":1397.9299,"sentiment":"neutral","sentiment_score":-0.08481071144342422},{"text":"Once we've got you, we look at the overall pool as a couple, the both of you.","start":1397.9299,"end":1402.1749,"sentiment":"neutral","sentiment_score":0.07472658303894979}],"sentiment":"neutral","sentiment_score":-0.0384944444289431,"num_words":30,"start":1389.49,"end":1402.1749},{"sentences":[{"text":"Then, yeah, we can essentially work out the numbers and put it all together, and we can all catch up and go.","start":1403.755,"end":1408.955,"sentiment":"neutral","sentiment_score":0.24509872699325735},{"text":"There will be a point in time in the next couple of years.","start":1408.955,"end":1411.9149,"sentiment":"neutral","sentiment_score":0.07687187022887744},{"text":"I will give you a call.","start":1411.9149,"end":1412.7949,"sentiment":"neutral","sentiment_score":0.09861084446310997},{"text":"I'll say, look.","start":1412.7949,"end":1413.6749,"sentiment":"neutral","sentiment_score":0.11350132276614507},{"text":"Call it a day.","start":1413.6749,"end":1414.6549,"sentiment":"neutral","sentiment_score":0.1573667824268341}],"sentiment":"neutral","sentiment_score":0.1656904681585729,"num_words":48,"start":1403.755,"end":1414.6549},{"sentences":[{"text":"Go get that place in Vietnam.","start":1414.715,"end":1416.255,"sentiment":"neutral","sentiment_score":0.1643566687901815},{"text":"Yeah.","start":1428.87,"end":1429.37,"sentiment":"neutral","sentiment_score":-0.1423914134502411},{"text":"Yeah.","start":1432.965,"end":1433.125,"sentiment":"neutral","sentiment_score":-0.017156638205051422},{"text":"Well, I I'm trying my best to look after Carrie and Rykes so you don't have to don't don't don't give any more to kids.","start":1433.125,"end":1439.705,"sentiment":"neutral","sentiment_score":0.018967488636262714},{"text":"I got enough steps with you guys.","start":1440.4049,"end":1442.2649,"sentiment":"neutral","sentiment_score":0.057499704616410394}],"sentiment":"neutral","sentiment_score":0.04258192773268092,"num_words":40,"start":1414.715,"end":1442.2649},{"sentences":[{"text":"So in Vietnam okay.","start":1444.72,"end":1446.24,"sentiment":"neutral","sentiment_score":0.03353510284796357},{"text":"So when you say Vietnam for three months, are you thinking about purchasing a place over there or selling your good.","start":1446.24,"end":1455.44,"sentiment":"neutral","sentiment_score":0.002793432701201666},{"text":"Okay.","start":1455.44,"end":1455.76,"sentiment":"neutral","sentiment_score":0.1956185847520828},{"text":"Cool.","start":1455.76,"end":1456.1599,"sentiment":"positive","sentiment_score":0.3943484127521515},{"text":"Perfect.","start":1456.1599,"end":1456.6599,"sentiment":"positive","sentiment_score":0.4672146439552307}],"sentiment":"neutral","sentiment_score":0.04464229069916265,"num_words":28,"start":1444.72,"end":1456.6599},{"sentences":[{"text":"Yeah.","start":1472.46,"end":1472.7,"sentiment":"neutral","sentiment_score":0.11067535728216173},{"text":"Yeah.","start":1472.7,"end":1472.94,"sentiment":"neutral","sentiment_score":0.1263282150030136},{"text":"And, like, actually absorb the culture and understand and work with it, and we can meet the local people and stuff like that.","start":1472.94,"end":1479.6,"sentiment":"neutral","sentiment_score":0.19976042761750842},{"text":"Got it.","start":1480.86,"end":1481.58,"sentiment":"neutral","sentiment_score":0.29477739334106445},{"text":"Beautiful.","start":1481.58,"end":1482.08,"sentiment":"positive","sentiment_score":0.6132726669311523}],"sentiment":"neutral","sentiment_score":0.2155114593250411,"num_words":28,"start":1472.46,"end":1482.08},{"sentences":[{"text":"And then travel from there.","start":1482.62,"end":1483.9,"sentiment":"positive","sentiment_score":0.39268704056739806},{"text":"Amazing.","start":1483.9,"end":1484.4,"sentiment":"positive","sentiment_score":0.5174619555473328},{"text":"Alright.","start":1484.54,"end":1485.04,"sentiment":"neutral","sentiment_score":0.2144392430782318},{"text":"Well, outside of that, is there anything else you wanted us to look at?","start":1485.1799,"end":1489.755,"sentiment":"neutral","sentiment_score":0.0649828567568745},{"text":"Just just folks no.","start":1490.135,"end":1491.815,"sentiment":"neutral","sentiment_score":-0.03807020606473088}],"sentiment":"neutral","sentiment_score":0.13811262287199497,"num_words":25,"start":1482.62,"end":1491.815},{"sentences":[{"text":"Just focusing doing what we kind of work on a plan with yourself and Baron just to try and get this in ASAP.","start":1491.815,"end":1498.395,"sentiment":"neutral","sentiment_score":0.06940913540513619},{"text":"Yeah.","start":1514.8049,"end":1515.3049,"sentiment":"neutral","sentiment_score":-0.06340721994638443},{"text":"Well, when we catch up and I go through the statement of advice, I'll give you I'll give you Darren's welcome.","start":1519.365,"end":1524.485,"sentiment":"neutral","sentiment_score":0.20856882915610359},{"text":"Obviously, he's a client.","start":1524.485,"end":1525.2849,"sentiment":"positive","sentiment_score":0.34071778506040573},{"text":"He can come in anytime, but as well.","start":1525.2849,"end":1527.33,"sentiment":"neutral","sentiment_score":0.3307821787893772}],"sentiment":"neutral","sentiment_score":0.17407152416151866,"num_words":57,"start":1491.815,"end":1527.33},{"sentences":[{"text":"But with your authority, of course, I I don't see why he wouldn't want it.","start":1528.2899,"end":1531.9099,"sentiment":"neutral","sentiment_score":-0.0271328275402387},{"text":"But what we can do is actually break it down for both of you so you can have, like, an overall scope, an overall idea of what the plan is and how long it's gonna take and what it's gonna look like.","start":1532.37,"end":1542.585,"sentiment":"positive","sentiment_score":0.48473060840652105},{"text":"That makes sense?","start":1543.145,"end":1544.0449,"sentiment":"neutral","sentiment_score":0.26149270435174304},{"text":"Yeah.","start":1556.0599,"end":1556.46,"sentiment":"neutral","sentiment_score":0.058303553611040115},{"text":"There there there's a lot to it.","start":1556.46,"end":1558.14,"sentiment":"neutral","sentiment_score":-0.06263770908117294}],"sentiment":"neutral","sentiment_score":0.29935310063335824,"num_words":68,"start":1528.2899,"end":1558.14},{"sentences":[{"text":"So when you're talking about, let's say, superannuation, for for example, when you're looking at trying to there's always this catch 22.","start":1558.14,"end":1567.66,"sentiment":"neutral","sentiment_score":-0.010018168578178367},{"text":"Right?","start":1567.66,"end":1567.82,"sentiment":"neutral","sentiment_score":0.0032931119203567505},{"text":"And what we we call it risk.","start":1567.82,"end":1569.465,"sentiment":"neutral","sentiment_score":-0.04263409014259066},{"text":"There's a think of like a boiling pot when you think about investing.","start":1569.5449,"end":1572.9249,"sentiment":"neutral","sentiment_score":0.017836441500828817},{"text":"Think about a pot like the free riches in Macbeth.","start":1573.465,"end":1576.525,"sentiment":"neutral","sentiment_score":0.1648235611617565}],"sentiment":"neutral","sentiment_score":0.025746492893030902,"num_words":53,"start":1558.14,"end":1576.525},{"sentences":[{"text":"Right?","start":1576.6649,"end":1576.9049,"sentiment":"neutral","sentiment_score":0.14703649282455444},{"text":"Gogu Gogu, boil and shovel, five meats, all those things.","start":1576.9049,"end":1579.965,"sentiment":"neutral","sentiment_score":0.17310795858502387},{"text":"There's four ingredients that go in, and that is time horizon.","start":1580.745,"end":1584.59,"sentiment":"neutral","sentiment_score":0.1154354980046099},{"text":"So looking at what time you're playing with.","start":1584.73,"end":1587.13,"sentiment":"neutral","sentiment_score":0.03767543565481901},{"text":"So like you said, by the age of 60, 70, you got two years.","start":1587.13,"end":1590.17,"sentiment":"neutral","sentiment_score":0.038533742007400305}],"sentiment":"neutral","sentiment_score":0.09065414613790133,"num_words":44,"start":1576.6649,"end":1590.17},{"sentences":[{"text":"But at most, five years or 70.","start":1590.17,"end":1593.0701,"sentiment":"neutral","sentiment_score":0.023400207183190753},{"text":"Right?","start":1593.13,"end":1593.61,"sentiment":"neutral","sentiment_score":0.05918443948030472},{"text":"And that will mean that Daryl will be 65.","start":1593.61,"end":1595.93,"sentiment":"neutral","sentiment_score":0.05339319341712528},{"text":"So let's stay with the five year time horizon.","start":1595.93,"end":1599.105,"sentiment":"neutral","sentiment_score":0.1260148071580463},{"text":"So that's the time horizon.","start":1599.485,"end":1600.945,"sentiment":"neutral","sentiment_score":0.12238495349884033}],"sentiment":"neutral","sentiment_score":0.07901879556236728,"num_words":31,"start":1590.17,"end":1600.945},{"sentences":[{"text":"Trying to understand how much time you have.","start":1601.005,"end":1603.165,"sentiment":"neutral","sentiment_score":-0.07155753811821342},{"text":"The reason for that is because of these things that volatility.","start":1603.165,"end":1605.745,"sentiment":"neutral","sentiment_score":-0.18354759433052756},{"text":"So your risk capacity for volatility and your risk approach.","start":1607.085,"end":1610.945,"sentiment":"neutral","sentiment_score":-0.1908105805516243},{"text":"And then after that, your risk profile, which are questions are asking a little bit.","start":1611.0499,"end":1614.73,"sentiment":"neutral","sentiment_score":-0.027433548867702485},{"text":"So when you're thinking about investing, a lot of the time clients come to myself and along the way, you know, almost every time when especially when things go bad, they most of the time, they come to us and say, well, I've lost all this money because some shifting financial advisers contract.","start":1614.73,"end":1633.845,"sentiment":"neutral","sentiment_score":-0.054247706074197335}],"sentiment":"neutral","sentiment_score":-0.08027032271181185,"num_words":97,"start":1601.005,"end":1633.845},{"sentences":[{"text":"Right?","start":1633.985,"end":1634.485,"sentiment":"neutral","sentiment_score":-0.05927520990371704},{"text":"They invested my money into something that was really aggressive, and now my $100,000 is sitting at 60,000.","start":1635.025,"end":1642.13,"sentiment":"neutral","sentiment_score":-0.10748879777060615},{"text":"And I was looking at retiring next year.","start":1642.43,"end":1644.83,"sentiment":"neutral","sentiment_score":-0.037186929024755955},{"text":"Right?","start":1644.83,"end":1645.33,"sentiment":"neutral","sentiment_score":0.025278963148593903},{"text":"How do I make that money back?","start":1645.79,"end":1647.65,"sentiment":"neutral","sentiment_score":-0.07200127414294652}],"sentiment":"neutral","sentiment_score":-0.07915139879499163,"num_words":35,"start":1633.985,"end":1647.65},{"sentences":[{"text":"And every single time, I don't give them I don't give our clients the answer that they're calling here, but the answer is you should never have been taking that much risk or exposure in the first place.","start":1647.95,"end":1660.3151,"sentiment":"negative","sentiment_score":-0.3796761522167607},{"text":"Because if you were taking a more defensive approach in line with your time horizon, Even though you could love the most aggressive investments on the planet, it doesn't matter because you don't have enough time to make it back to GLC two point o.","start":1661.255,"end":1674.4701,"sentiment":"neutral","sentiment_score":-0.02264764209588369},{"text":"Right?","start":1676.13,"end":1676.4501,"sentiment":"neutral","sentiment_score":0.16941668093204498},{"text":"And so that's what we're trying to navigate at the moment.","start":1676.4501,"end":1679.3501,"sentiment":"neutral","sentiment_score":0.09926545890894803},{"text":"But yeah.","start":1679.49,"end":1681.465,"sentiment":"neutral","sentiment_score":0.0861138291656971}],"sentiment":"neutral","sentiment_score":-0.14446673496175058,"num_words":97,"start":1647.95,"end":1681.465},{"sentences":[{"text":"So those four ingredients is what I'm really trying to assess because you're looking at your retirement nest egg, essentially.","start":1681.465,"end":1687.965,"sentiment":"neutral","sentiment_score":0.1584914244711399},{"text":"Okay.","start":1689.705,"end":1690.205,"sentiment":"neutral","sentiment_score":0.08063852041959763},{"text":"Well, so it's it's a hard one.","start":1697.85,"end":1700.73,"sentiment":"neutral","sentiment_score":-0.11874606886080333},{"text":"I can't really say because I haven't done numbers.","start":1700.73,"end":1702.91,"sentiment":"neutral","sentiment_score":-0.16038229978746837},{"text":"But I do know that you can get grouping discounts, so the super funds, not industry funds, retail funds to get you a better return, as we've seen with Darren.","start":1703.37,"end":1712.715,"sentiment":"neutral","sentiment_score":0.11556709222495556}],"sentiment":"neutral","sentiment_score":0.06631069546982424,"num_words":67,"start":1681.465,"end":1712.715},{"sentences":[{"text":"Rest look, industry funds are they're they're based on industry.","start":1714.375,"end":1718.775,"sentiment":"neutral","sentiment_score":0.03181922417134046},{"text":"So rest stands for Retail Employee Superannuation Trust.","start":1718.775,"end":1722.9,"sentiment":"neutral","sentiment_score":0.05251960223540664},{"text":"Alright.","start":1723.6,"end":1724.1,"sentiment":"neutral","sentiment_score":0.10132402181625366},{"text":"So it's for retail employees, which is quite like this.","start":1724.16,"end":1728.58,"sentiment":"neutral","sentiment_score":0.11718605607748031},{"text":"Alright?","start":1728.64,"end":1729.14,"sentiment":"neutral","sentiment_score":0.10621832311153412}],"sentiment":"neutral","sentiment_score":0.07059173217664162,"num_words":30,"start":1714.375,"end":1729.14},{"sentences":[{"text":"But when you look at the actual fundamentals, like the functionings of that fund itself and all industry funds, those little hand diamonds, you know, you've seen the adverts on, they are what's called a master trust.","start":1730.16,"end":1743.515,"sentiment":"neutral","sentiment_score":0.10809037290714882},{"text":"So they go all the assets go into one big pool.","start":1743.9751,"end":1747.0951,"sentiment":"neutral","sentiment_score":0.1383721283213659},{"text":"You know, kinda you're not it's not your own money.","start":1747.0951,"end":1749.64,"sentiment":"neutral","sentiment_score":-0.008808898087590934},{"text":"It all goes into one big consolidated pool, which these benefits and there's there's pros and cons with all of it.","start":1749.64,"end":1755.8,"sentiment":"neutral","sentiment_score":0.08724316369209971},{"text":"Right?","start":1755.8,"end":1756.12,"sentiment":"neutral","sentiment_score":0.0689435750246048}],"sentiment":"neutral","sentiment_score":0.091679978009779,"num_words":80,"start":1730.16,"end":1756.12},{"sentences":[{"text":"So the pro is that it makes the admin fees extremely low because usually with the war actually with all industry funds, there's a there's a dollar figure per week or per per annum, which is usually somewhere around, you know, rest of the things like a dollar 90 or dollar 70 let's just say, for a number's sake, a dollar 50 per week at 70 at 70, I think, $78 a year.","start":1756.12,"end":1781.09,"sentiment":"neutral","sentiment_score":0.22684138309057444},{"text":"So it's really, really cheap.","start":1781.3099,"end":1782.85,"sentiment":"positive","sentiment_score":0.5003633439540863},{"text":"But you'll notice that there's also a percentage based administration fee.","start":1783.15,"end":1787.01,"sentiment":"neutral","sentiment_score":0.018215148455717346},{"text":"And that's usually, like, 0.11% including GST, something like that.","start":1787.3099,"end":1791.73,"sentiment":"neutral","sentiment_score":-0.0077849473804235455},{"text":"And that is a very low percentage if you've got low balance.","start":1792.085,"end":1796.265,"sentiment":"neutral","sentiment_score":-0.02681337669491768}],"sentiment":"neutral","sentiment_score":0.16992787679506316,"num_words":111,"start":1756.12,"end":1796.265},{"sentences":[{"text":"So if you're starting out in the industry, if you're 16 years old, just working at Matthews, you know, something like that, retail, then you have a Superfund contribution.","start":1796.485,"end":1806.92,"sentiment":"neutral","sentiment_score":0.15467367475402766},{"text":"You've got let's say, after a year, you got $5,000 in your Superfund.","start":1807.14,"end":1811.4,"sentiment":"neutral","sentiment_score":0.1612337392110091},{"text":"Alright?","start":1811.7001,"end":1812.2001,"sentiment":"neutral","sentiment_score":0.12348146736621857},{"text":"You'll you'll start you'll notice that you don't pay much in fees because of such a low balance.","start":1813.06,"end":1818.775,"sentiment":"neutral","sentiment_score":0.07289939311643441},{"text":"But the usually, when you get to the balance with most industry funds, when your balance gets to somewhere on the 50 to $80,000 depending on the fund, that kind of math, what happens is that percentage based fee starts building up.","start":1818.915,"end":1831.815,"sentiment":"neutral","sentiment_score":0.053905109520114604}],"sentiment":"neutral","sentiment_score":0.099818061368124,"num_words":103,"start":1796.485,"end":1831.815},{"sentences":[{"text":"Alright?","start":1831.875,"end":1832.375,"sentiment":"neutral","sentiment_score":0.03712654486298561},{"text":"So 0.1% on $10,000 is a $100, but zero that same 0.1% on, you know, 500,000 is $5.","start":1833.65,"end":1843.11,"sentiment":"neutral","sentiment_score":0.04238010477274656},{"text":"So that that's what happens.","start":1843.89,"end":1845.41,"sentiment":"neutral","sentiment_score":0.16271570324897766},{"text":"That's usually where you see the larger balances above anywhere from 50 to $80,000 compensating for the small balance.","start":1845.41,"end":1852.6951,"sentiment":"neutral","sentiment_score":0.201588710671977},{"text":"So you're paying for the smaller balance card, essentially.","start":1852.6951,"end":1855.5951,"sentiment":"neutral","sentiment_score":0.23760160638226402}],"sentiment":"neutral","sentiment_score":0.14581051744663945,"num_words":52,"start":1831.875,"end":1855.5951},{"sentences":[{"text":"So when you've got a lower balance, I think industry funds are amazing tool.","start":1856.935,"end":1861.56,"sentiment":"positive","sentiment_score":0.4483033503804888},{"text":"Anywhere below kind of you're back.","start":1862.1201,"end":1864.3,"sentiment":"neutral","sentiment_score":0.06564728915691376},{"text":"The balance you're kind of you got at the moment.","start":1864.3601,"end":1866.52,"sentiment":"neutral","sentiment_score":0.05780367217957973},{"text":"You you've got somewhere around the $4,050,000 to use of cooperation.","start":1866.52,"end":1869.5801,"sentiment":"neutral","sentiment_score":0.08664101057431915},{"text":"Yeah.","start":1873.8,"end":1874.04,"sentiment":"neutral","sentiment_score":0.0547967366874218}],"sentiment":"neutral","sentiment_score":0.1965717908349775,"num_words":42,"start":1856.935,"end":1874.04},{"sentences":[{"text":"And how much do you have left at the moment?","start":1874.04,"end":1875.9,"sentiment":"neutral","sentiment_score":0.03300147317349911},{"text":"K.","start":1880.195,"end":1880.595,"sentiment":"neutral","sentiment_score":0.030376221984624863},{"text":"But look.","start":1880.595,"end":1881.155,"sentiment":"neutral","sentiment_score":0.04241919331252575},{"text":"It it might be worthwhile having a look at the numbers and just making sure that it's it it is beneficial because there are grouping discount.","start":1881.155,"end":1889.815,"sentiment":"neutral","sentiment_score":0.09338169888808177},{"text":"Beautiful.","start":1895.2999,"end":1895.7799,"sentiment":"positive","sentiment_score":0.7535521984100342}],"sentiment":"neutral","sentiment_score":0.09066764274612069,"num_words":40,"start":1874.04,"end":1895.7799},{"sentences":[{"text":"That's exactly what I need.","start":1895.7799,"end":1897.24,"sentiment":"positive","sentiment_score":0.6844042539596558},{"text":"So what what I will do is essentially go to work.","start":1897.94,"end":1900.84,"sentiment":"neutral","sentiment_score":0.296824187040329},{"text":"I'll take that information, go to the market, and use my software, use my research, and look at absolutely every fund out there.","start":1900.9,"end":1908.2949,"sentiment":"neutral","sentiment_score":0.2535606026649475},{"text":"We've got this tool called xPlan.","start":1908.2949,"end":1910.075,"sentiment":"neutral","sentiment_score":0.31310796240965527},{"text":"And because we've run our own license, we can look at every fund under under the sun.","start":1910.5349,"end":1914.375,"sentiment":"neutral","sentiment_score":0.2857600161257912}],"sentiment":"neutral","sentiment_score":0.3105733747924528,"num_words":62,"start":1895.7799,"end":1914.375},{"sentences":[{"text":"It doesn't bother us.","start":1914.375,"end":1915.495,"sentiment":"neutral","sentiment_score":0.2296820990741253},{"text":"So I'll find out if there is a cheaper one.","start":1915.495,"end":1917.4149,"sentiment":"neutral","sentiment_score":0.13561296015977858},{"text":"And if it's so, then does it get you a better return?","start":1917.4149,"end":1920.75,"sentiment":"neutral","sentiment_score":0.17160861566662788},{"text":"That's pretty much the aim of the game.","start":1921.21,"end":1923.15,"sentiment":"neutral","sentiment_score":0.28494637086987495},{"text":"Also notice that you got insurances.","start":1924.65,"end":1926.27,"sentiment":"neutral","sentiment_score":0.0435948713372151}],"sentiment":"neutral","sentiment_score":0.1718825395219028,"num_words":40,"start":1914.375,"end":1926.27},{"sentences":[{"text":"Do you have insurances inside your rest coupon?","start":1928.97,"end":1931.71,"sentiment":"neutral","sentiment_score":0.008872599224559963},{"text":"Why do you have insurances?","start":1934.005,"end":1935.305,"sentiment":"neutral","sentiment_score":-0.04249491840600968},{"text":"K.","start":1941.4451,"end":1941.685,"sentiment":"neutral","sentiment_score":-0.00980200618505478},{"text":"Well, you're paying for them from the super fund.","start":1941.685,"end":1944.3451,"sentiment":"neutral","sentiment_score":0.004482567724254396},{"text":"Yeah.","start":1946.005,"end":1946.505,"sentiment":"neutral","sentiment_score":-0.039060644805431366}],"sentiment":"neutral","sentiment_score":-0.006250555821073552,"num_words":24,"start":1928.97,"end":1946.505},{"sentences":[{"text":"Correct.","start":1947.7001,"end":1948.2001,"sentiment":"neutral","sentiment_score":-0.008210692554712296},{"text":"So insurances, you you're essentially what we call self insured.","start":1948.26,"end":1951.7001,"sentiment":"neutral","sentiment_score":-0.03025510534644127},{"text":"But insurances are very it's a personalized kind of thing.","start":1951.7001,"end":1955.7201,"sentiment":"neutral","sentiment_score":-0.04759018998593092},{"text":"Yeah.","start":1956.5801,"end":1956.8201,"sentiment":"neutral","sentiment_score":-0.02948938310146332},{"text":"So it's just got a lot to do with culture.","start":1956.8201,"end":1958.66,"sentiment":"neutral","sentiment_score":-0.030884455144405364}],"sentiment":"neutral","sentiment_score":-0.03515617438824847,"num_words":32,"start":1947.7001,"end":1958.66},{"sentences":[{"text":"Indian people and African Africans Zimbabwe and South Africans.","start":1958.66,"end":1963.915,"sentiment":"neutral","sentiment_score":-0.032106866853104696},{"text":"South Africans love insurance.","start":1964.055,"end":1965.755,"sentiment":"neutral","sentiment_score":-0.041562290862202644},{"text":"They want all the insurance in the world to pay I don't know why I hate insurance.","start":1965.815,"end":1970.315,"sentiment":"neutral","sentiment_score":-0.10166860328001134},{"text":"It's a it's a necessary evil.","start":1970.375,"end":1972.635,"sentiment":"neutral","sentiment_score":-0.19134116917848587},{"text":"The whole purpose of it is to essentially cover your needs because you don't coverage yourself.","start":1972.855,"end":1977.87,"sentiment":"neutral","sentiment_score":-0.03481122315861285}],"sentiment":"neutral","sentiment_score":-0.07478084243260898,"num_words":52,"start":1958.66,"end":1977.87},{"sentences":[{"text":"And the best outcome is nothing happens.","start":1978.11,"end":1980.05,"sentiment":"neutral","sentiment_score":0.0066652367157595495},{"text":"Like you.","start":1980.99,"end":1981.65,"sentiment":"neutral","sentiment_score":-0.043064847588539124},{"text":"Essentially, nothing happened.","start":1982.03,"end":1983.25,"sentiment":"neutral","sentiment_score":-0.038160018622875214},{"text":"Alright?","start":1984.27,"end":1984.75,"sentiment":"neutral","sentiment_score":0.07193967700004578},{"text":"And to be able to make a life or, thankfully, a life or a TPD claim.","start":1984.75,"end":1989.97,"sentiment":"neutral","sentiment_score":0.11940271101775579}],"sentiment":"neutral","sentiment_score":0.06304930893961212,"num_words":29,"start":1978.11,"end":1989.97},{"sentences":[{"text":"So all the premiums you've been paying per annum, and I'll find out what those are and let you know.","start":1990.3049,"end":1995.445,"sentiment":"neutral","sentiment_score":-0.008896344993263482},{"text":"But all those premiums that you've been paying per annum, are you super to an insurance company?","start":1995.6649,"end":1999.9249,"sentiment":"neutral","sentiment_score":-0.07006676900474464},{"text":"You're not gonna get a refund of them if you don't claim on that.","start":2000.065,"end":2003.205,"sentiment":"negative","sentiment_score":-0.3695901057549885},{"text":"So it's the worst yeah.","start":2005.39,"end":2007.87,"sentiment":"negative","sentiment_score":-0.5546587228775024},{"text":"It's the worst financial decision you can probably have.","start":2007.87,"end":2011.01,"sentiment":"negative","sentiment_score":-0.6512497663497925}],"sentiment":"neutral","sentiment_score":-0.23350561484694482,"num_words":65,"start":1990.3049,"end":2011.01},{"sentences":[{"text":"But in saying that, if you if something did go wrong along the way, let's say when you're 45, 50 years old, something did go wrong, you wanna make sure that you're covered and you wanna make sure that you're covered for enough, which is not leaving behind any debts for your family.","start":2011.15,"end":2026.265,"sentiment":"neutral","sentiment_score":-0.19486192037474434},{"text":"You don't have any debts, so what's the point in paying a premium for it?","start":2026.265,"end":2029.725,"sentiment":"neutral","sentiment_score":-0.18703273634115855},{"text":"Right.","start":2031.8,"end":2032.04,"sentiment":"neutral","sentiment_score":-0.0713496208190918},{"text":"So I'll probably be looking at recommending canceling notes if that's alright.","start":2032.04,"end":2035.5,"sentiment":"negative","sentiment_score":-0.35829603547851246},{"text":"Yeah.","start":2051.575,"end":2051.895,"sentiment":"neutral","sentiment_score":-0.0037116482853889465}],"sentiment":"neutral","sentiment_score":-0.21350959170518852,"num_words":82,"start":2011.15,"end":2051.895},{"sentences":[{"text":"1993 is when SIP came out.","start":2051.895,"end":2053.815,"sentiment":"neutral","sentiment_score":-0.0084062231083711},{"text":"Did you have any different employments?","start":2053.815,"end":2055.515,"sentiment":"neutral","sentiment_score":-0.018389445419112842},{"text":"Or did you say between 1993 until now?","start":2055.735,"end":2062.97,"sentiment":"neutral","sentiment_score":-0.029462161473929882},{"text":"Did you only work for cashes?","start":2063.2698,"end":2064.8699,"sentiment":"neutral","sentiment_score":-0.04216667326788107},{"text":"Or was there other employment, other roles?","start":2064.8699,"end":2067.3699,"sentiment":"neutral","sentiment_score":-0.05131076143256256}],"sentiment":"neutral","sentiment_score":-0.03056505068459294,"num_words":33,"start":2051.895,"end":2067.3699},{"sentences":[{"text":"Okay.","start":2071.3499,"end":2071.8499,"sentiment":"neutral","sentiment_score":0.01753423735499382},{"text":"44 and you've worked since 1993?","start":2073.015,"end":2076.795,"sentiment":"neutral","sentiment_score":0.018457101192325354},{"text":"Okay.","start":2087.19,"end":2087.59,"sentiment":"neutral","sentiment_score":0.03823796659708023},{"text":"I would assume that you would have more than even a half, like, to double your balance.","start":2087.59,"end":2092.79,"sentiment":"neutral","sentiment_score":0.03037330475361908},{"text":"You should have more than a $100,000.","start":2092.79,"end":2095.05,"sentiment":"neutral","sentiment_score":0.04249397558825357}],"sentiment":"neutral","sentiment_score":0.030634963157353923,"num_words":32,"start":2071.3499,"end":2095.05},{"sentences":[{"text":"1993.","start":2099.43,"end":2100.47,"sentiment":"neutral","sentiment_score":-0.019064998254179955},{"text":"This is fact.","start":2100.47,"end":2101.3699,"sentiment":"neutral","sentiment_score":-0.02841898302237193},{"text":"So let's let's just say, what was your normal wage when you're working at Abigail?","start":2120.07,"end":2125.05,"sentiment":"neutral","sentiment_score":-0.003342359078427156},{"text":"Would you would you say just on the average every year would be about $5,060,000?","start":2128.525,"end":2133.085,"sentiment":"neutral","sentiment_score":-0.05473214015364647},{"text":"Or yeah.","start":2133.085,"end":2137.325,"sentiment":"neutral","sentiment_score":-0.029684701934456825}],"sentiment":"neutral","sentiment_score":-0.028744689990869828,"num_words":36,"start":2099.43,"end":2137.325},{"sentences":[{"text":"In today's dollars.","start":2137.325,"end":2138.465,"sentiment":"neutral","sentiment_score":-0.027492743606368702},{"text":"So would you say it would be somewhere around the I don't know.","start":2138.685,"end":2141.405,"sentiment":"neutral","sentiment_score":-0.04875083439625227},{"text":"Let's say $40,000 on average.","start":2141.405,"end":2143.38,"sentiment":"neutral","sentiment_score":-0.03798127099871636},{"text":"Yeah.","start":2152.8198,"end":2153.22,"sentiment":"neutral","sentiment_score":-0.0691893994808197},{"text":"Yeah.","start":2153.22,"end":2153.6199,"sentiment":"neutral","sentiment_score":-0.03562949597835541}],"sentiment":"neutral","sentiment_score":-0.043954970801006195,"num_words":23,"start":2137.325,"end":2153.6199},{"sentences":[{"text":"No.","start":2153.6199,"end":2154.0198,"sentiment":"neutral","sentiment_score":-0.15292476117610931},{"text":"I understand.","start":2154.0198,"end":2154.68,"sentiment":"neutral","sentiment_score":-0.1332368664443493},{"text":"But no matter what, since 1993 in the superannuation industry scheme, that's just a hackathon.","start":2154.98,"end":2163.4148,"sentiment":"neutral","sentiment_score":-0.12747551252444586},{"text":"When that came up, employers have to pay.","start":2164.115,"end":2167.795,"sentiment":"neutral","sentiment_score":-0.13312537595629692},{"text":"If you were a PAYG employee, they have to pay the super guarantee contribution.","start":2167.795,"end":2172.055,"sentiment":"neutral","sentiment_score":-0.14601013277258193}],"sentiment":"neutral","sentiment_score":-0.13601690120995044,"num_words":40,"start":2153.6199,"end":2172.055},{"sentences":[{"text":"So Oh, nice.","start":2172.78,"end":2179.26,"sentiment":"neutral","sentiment_score":0.065365436176459},{"text":"Okay.","start":2179.26,"end":2179.6602,"sentiment":"neutral","sentiment_score":0.036833956837654114},{"text":"How long were you doing cash in hand for?","start":2179.6602,"end":2181.84,"sentiment":"neutral","sentiment_score":0.01041786890063021},{"text":"Okay.","start":2200.88,"end":2201.2798,"sentiment":"neutral","sentiment_score":0.0068710315972566605},{"text":"So that's alright.","start":2201.2798,"end":2202.18,"sentiment":"neutral","sentiment_score":0.05232063432534536}],"sentiment":"neutral","sentiment_score":0.02885435412035269,"num_words":17,"start":2172.78,"end":2202.18},{"sentences":[{"text":"So when you start when was the year what year did you start being employed?","start":2202.24,"end":2206.98,"sentiment":"neutral","sentiment_score":-0.003984634143610795},{"text":"2001.","start":2212.815,"end":2213.615,"sentiment":"neutral","sentiment_score":-0.003415308892726898},{"text":"So would it be fair to say twenty five years?","start":2213.615,"end":2215.615,"sentiment":"neutral","sentiment_score":-0.023690166138112544},{"text":"You've been on about, on average, 30 to 40,000 a year?","start":2215.615,"end":2219.235,"sentiment":"neutral","sentiment_score":-0.04770475879988887},{"text":"K.","start":2221.615,"end":2221.855,"sentiment":"neutral","sentiment_score":-0.019465971738100052}],"sentiment":"neutral","sentiment_score":-0.022218547393812946,"num_words":38,"start":2202.24,"end":2221.855},{"sentences":[{"text":"So if you're on 40,000 a year at 9% because that's what it started at, now it's 12%.","start":2221.855,"end":2227.8298,"sentiment":"neutral","sentiment_score":-0.08043455146253109},{"text":"Unfortunately, 9% benefit of the doubt, that's $3,600 that was would have been contributed to your super fund every year.","start":2227.8298,"end":2236.0698,"sentiment":"negative","sentiment_score":-0.4988293781876564},{"text":"Right?","start":2236.0698,"end":2236.5698,"sentiment":"neutral","sentiment_score":-0.2595066428184509},{"text":"Now if I times that by twenty five years, that's $90,000 just just by way of cash.","start":2236.95,"end":2244.965,"sentiment":"neutral","sentiment_score":-0.23392793974455664},{"text":"Right?","start":2245.105,"end":2245.605,"sentiment":"neutral","sentiment_score":-0.11625528335571288}],"sentiment":"neutral","sentiment_score":-0.276788533191409,"num_words":57,"start":2221.855,"end":2245.605},{"sentences":[{"text":"That's without twenty five years of compounding return.","start":2245.825,"end":2249.525,"sentiment":"neutral","sentiment_score":-0.17119434475898743},{"text":"So I would be very surprised if there isn't money line with the ATO or something like that.","start":2249.665,"end":2256.56,"sentiment":"negative","sentiment_score":-0.3541775080892775},{"text":"So what I'm gonna do is get you to sign what's called a a lost super authority.","start":2257.6602,"end":2261.76,"sentiment":"neutral","sentiment_score":-0.027282831902780077},{"text":"I'm gonna submit that with the ATO, and it takes about three to six months because they just the ATO are the ATO.","start":2262.2202,"end":2268.32,"sentiment":"neutral","sentiment_score":-0.030968409254337134},{"text":"And they will come back with any sort of lost cheaper that you have.","start":2269.805,"end":2273.825,"sentiment":"neutral","sentiment_score":-0.03852510106350694}],"sentiment":"neutral","sentiment_score":-0.11825228592206258,"num_words":80,"start":2245.825,"end":2273.825},{"sentences":[{"text":"You you'll be surprised.","start":2275.2449,"end":2276.785,"sentiment":"neutral","sentiment_score":-0.00015416578389704227},{"text":"You know, a lot of clients say that they kept everything in the same place, and I literally found, what, three three, four, maybe maybe two months ago now, we found 200 and 1,000 we found $201,000 sitting with the ATO for for a client.","start":2276.845,"end":2292.34,"sentiment":"neutral","sentiment_score":-0.07376019896732436},{"text":"Maybe.","start":2296.655,"end":2297.055,"sentiment":"neutral","sentiment_score":-0.09652355313301086},{"text":"But we'll find that out for you.","start":2297.055,"end":2298.415,"sentiment":"neutral","sentiment_score":0.0062609293631144935},{"text":"Yeah.","start":2298.415,"end":2298.735,"sentiment":"neutral","sentiment_score":0.2117660641670227}],"sentiment":"neutral","sentiment_score":-0.05449580344981674,"num_words":58,"start":2275.2449,"end":2298.735},{"sentences":[{"text":"It's fine with service.","start":2298.735,"end":2299.795,"sentiment":"positive","sentiment_score":0.44094478338956833},{"text":"Beautiful.","start":2300.175,"end":2300.675,"sentiment":"positive","sentiment_score":0.6295771598815918},{"text":"Alright.","start":2301.375,"end":2301.855,"sentiment":"neutral","sentiment_score":0.31507474184036255},{"text":"So if you wanna go on to the email I sent you for the initial complimentary consultation.","start":2301.855,"end":2307.395,"sentiment":"neutral","sentiment_score":0.1431060262462672},{"text":"Yeah.","start":2313.48,"end":2313.88,"sentiment":"neutral","sentiment_score":0.02485051192343235}],"sentiment":"neutral","sentiment_score":0.21525349972459176,"num_words":24,"start":2298.735,"end":2313.88},{"sentences":[{"text":"No.","start":2313.88,"end":2314.28,"sentiment":"neutral","sentiment_score":-0.015884865075349808},{"text":"By the way, Kylie and I are I don't know if you're speaking spoken to her, but we're we're we're in a lot better place, which is nice.","start":2314.28,"end":2322.0598,"sentiment":"neutral","sentiment_score":0.06488106166943908},{"text":"Yeah.","start":2323.9749,"end":2324.4749,"sentiment":"neutral","sentiment_score":-0.1134973019361496},{"text":"Vulnerable moments from past traumas from both ends, I think.","start":2325.575,"end":2329.115,"sentiment":"neutral","sentiment_score":-0.3230434417724609},{"text":"Yep.","start":2335.335,"end":2335.835,"sentiment":"neutral","sentiment_score":-0.008013606071472168}],"sentiment":"neutral","sentiment_score":-0.03783318205032407,"num_words":41,"start":2313.88,"end":2335.835},{"sentences":[{"text":"Send the email forty seven minutes ago.","start":2336.97,"end":2340.19,"sentiment":"neutral","sentiment_score":-0.03183759216751371},{"text":"Maybe go to your junk or spam or okay.","start":2347.45,"end":2361.135,"sentiment":"neutral","sentiment_score":-0.07570215687155724},{"text":"Surely somewhere out there and eat the webs, the the sky, the the space.","start":2363.275,"end":2367.375,"sentiment":"neutral","sentiment_score":-0.07489259674080781},{"text":"And just to confirm, is it margaret dot dod, m a r g a r e t, dot dod, d o w d, nineteen 51@hotmail.com?","start":2368.6702,"end":2379.81,"sentiment":"neutral","sentiment_score":0.0015473410557024182},{"text":"K.","start":2381.79,"end":2382.29,"sentiment":"neutral","sentiment_score":-0.05164512991905213}],"sentiment":"neutral","sentiment_score":-0.0351007234806145,"num_words":56,"start":2336.97,"end":2382.29},{"sentences":[{"text":"No.","start":2387.155,"end":2387.315,"sentiment":"neutral","sentiment_score":-0.1178361028432846},{"text":"That's right.","start":2387.315,"end":2387.875,"sentiment":"neutral","sentiment_score":-0.08509881049394608},{"text":"As long as alright.","start":2387.875,"end":2391.075,"sentiment":"neutral","sentiment_score":-0.00821960112079978},{"text":"So what I want you to do is open up the first document.","start":2391.075,"end":2393.555,"sentiment":"neutral","sentiment_score":0.04558674317712967},{"text":"The first attachment is called the o p services guide.","start":2393.555,"end":2396.295,"sentiment":"neutral","sentiment_score":0.029978845454752445}],"sentiment":"neutral","sentiment_score":0.019050132917861142,"num_words":30,"start":2387.155,"end":2396.295},{"sentences":[{"text":"Drive.","start":2406.75,"end":2406.91,"sentiment":"neutral","sentiment_score":-0.08772920817136765},{"text":"You got the wheel of death?","start":2406.91,"end":2408.2898,"sentiment":"neutral","sentiment_score":-0.1727952112754186},{"text":"Alright.","start":2414.685,"end":2415.165,"sentiment":"neutral","sentiment_score":0.03714080899953842},{"text":"You should be looking at the front page, which is the I have a picture of the Gold Coast and I'll say IT Financial Services Guide by the end of the little bit.","start":2415.165,"end":2424.48,"sentiment":"neutral","sentiment_score":0.062445648635427155},{"text":"You got that?","start":2424.96,"end":2425.7,"sentiment":"neutral","sentiment_score":0.0336440900961558}],"sentiment":"neutral","sentiment_score":0.024415432009845972,"num_words":44,"start":2406.75,"end":2425.7},{"sentences":[{"text":"Beautiful.","start":2426.96,"end":2427.46,"sentiment":"positive","sentiment_score":0.5101895332336426},{"text":"So this is essentially a breakdown of who we are, what we do, why we started, and a bit of a process.","start":2427.52,"end":2433.46,"sentiment":"neutral","sentiment_score":0.1812178851528601},{"text":"I'll fly through this because it's you're already at the end of the process.","start":2433.68,"end":2437.7,"sentiment":"neutral","sentiment_score":0.102372514882258},{"text":"But the more important documents, the financial services guide itself, which is the compliance factor.","start":2438.265,"end":2444.345,"sentiment":"neutral","sentiment_score":0.0014061747739712398},{"text":"And I'll spend some more time on that, but this is us.","start":2444.345,"end":2448.1848,"sentiment":"neutral","sentiment_score":0.015091034952395907}],"sentiment":"neutral","sentiment_score":0.09581848837478901,"num_words":64,"start":2426.96,"end":2448.1848},{"sentences":[{"text":"We are OTP Financial.","start":2448.1848,"end":2449.645,"sentiment":"neutral","sentiment_score":0.057005103677511215},{"text":"Alright.","start":2449.785,"end":2450.025,"sentiment":"neutral","sentiment_score":0.19309812784194944},{"text":"Thank you for reaching out.","start":2450.025,"end":2451.145,"sentiment":"positive","sentiment_score":0.5818814754486084},{"text":"I'm glad we did a good enough job for Darren to refer our own partners.","start":2451.145,"end":2455.38,"sentiment":"positive","sentiment_score":0.602642027537028},{"text":"Essentially, it was just I don't know if you know the story, but yeah.","start":2457.44,"end":2461.7,"sentiment":"neutral","sentiment_score":-0.04827959183603525}],"sentiment":"neutral","sentiment_score":0.2998523601832298,"num_words":39,"start":2448.1848,"end":2461.7},{"sentences":[{"text":"But my business partner, Bart and I, we took on an angel investment loan in the hundreds of thousands and we started the company in heaps of debt with zero clients in the garage in Pimpama about a decade ago, like ten years ago, nine, ten years ago.","start":2461.76,"end":2478.895,"sentiment":"neutral","sentiment_score":0.01620620636579891},{"text":"And somehow dragged ourselves through, you know, all sorts of real and for things to make it work.","start":2479.2751,"end":2485.43,"sentiment":"neutral","sentiment_score":0.005599899114006095},{"text":"And we eventually started it all of this when the Hainville Commission came out into banking and finance.","start":2485.45,"end":2493.19,"sentiment":"neutral","sentiment_score":0.04303898983117607},{"text":"And we got yeah.","start":2493.89,"end":2495.0898,"sentiment":"neutral","sentiment_score":0.009427431272342801},{"text":"Do you remember that?","start":2495.0898,"end":2495.89,"sentiment":"neutral","sentiment_score":-0.009693844011053443}],"sentiment":"neutral","sentiment_score":0.017960133213225916,"num_words":92,"start":2461.76,"end":2495.89},{"sentences":[{"text":"Did you see that or see it on the news?","start":2495.89,"end":2497.97,"sentiment":"neutral","sentiment_score":-0.018635026551783083},{"text":"Do you remember that banking and financial commission?","start":2497.97,"end":2500.445,"sentiment":"neutral","sentiment_score":-0.04346294468268752},{"text":"Yeah.","start":2502.3452,"end":2502.5852,"sentiment":"neutral","sentiment_score":-0.11921237409114838},{"text":"So a lot of people doing bad things, like, charging the fees to states that shouldn't just kept insurance policy and charge fees on it and all sorts of gross stuff.","start":2502.5852,"end":2511.705,"sentiment":"negative","sentiment_score":-0.35049440158951667},{"text":"So I'm glad that it's a good thing that they did it because there are a few of us that are trying to do the right thing.","start":2511.705,"end":2518.0,"sentiment":"positive","sentiment_score":0.6919545354666533}],"sentiment":"neutral","sentiment_score":0.09304129625005382,"num_words":77,"start":2495.89,"end":2518.0},{"sentences":[{"text":"And, you know, just as everyone suspected, do anything of financial planners or asset managers?","start":2518.2998,"end":2522.94,"sentiment":"neutral","sentiment_score":0.04561301444967588},{"text":"You don't really think trust is not the first thing that comes to mind, It's fair enough.","start":2522.94,"end":2527.385,"sentiment":"neutral","sentiment_score":0.02938350717372754},{"text":"But there are a few of us that are trying to do the right thing.","start":2527.925,"end":2530.085,"sentiment":"neutral","sentiment_score":0.16867690334717433},{"text":"So we started the vision, the Oaktree Financial, that garage of the vision of being the most trusted financial planning firm in Australia.","start":2530.085,"end":2538.0251,"sentiment":"positive","sentiment_score":0.3561794265456822},{"text":"I'm trying to instill the trust back into, you know, fairly stringent and regulated industry throughout the whole world.","start":2538.67,"end":2548.69,"sentiment":"positive","sentiment_score":0.34669067357715805}],"sentiment":"neutral","sentiment_score":0.20778784266767208,"num_words":89,"start":2518.2998,"end":2548.69},{"sentences":[{"text":"And there's our core mission and core values, little bit of a blurb.","start":2548.83,"end":2551.97,"sentiment":"neutral","sentiment_score":0.24363844325909248},{"text":"You're welcome to read that if you're struggling to sleep throughout your life, but we'll stop you out pretty quick.","start":2551.995,"end":2556.895,"sentiment":"neutral","sentiment_score":0.13690926656126975},{"text":"But the next next page is number two, but page three page I'm gonna just say that page number the bottom.","start":2558.0752,"end":2565.0352,"sentiment":"neutral","sentiment_score":0.041632955627782006},{"text":"So page two is the wealth cycle.","start":2565.0352,"end":2567.135,"sentiment":"neutral","sentiment_score":0.06326739170721599},{"text":"This is what you've already done.","start":2567.3901,"end":2569.01,"sentiment":"neutral","sentiment_score":0.11304501195748647}],"sentiment":"neutral","sentiment_score":0.11792416381302165,"num_words":67,"start":2548.83,"end":2569.01},{"sentences":[{"text":"And now you are in the blooming stage.","start":2569.47,"end":2572.29,"sentiment":"neutral","sentiment_score":0.11857490707188845},{"text":"So everything we everything we do is pretty corny, like, we're we're in the end of the day.","start":2572.99,"end":2578.45,"sentiment":"neutral","sentiment_score":-0.03685003829499086},{"text":"So, you know, if we oak view, oak tree, it's yeah.","start":2578.99,"end":2584.975,"sentiment":"neutral","sentiment_score":0.029940662905573845},{"text":"We do the the stages in line with that.","start":2584.975,"end":2588.0151,"sentiment":"neutral","sentiment_score":0.05893663772278362},{"text":"Like, nature is you'll find a lot of it along the way.","start":2588.0151,"end":2591.3152,"sentiment":"neutral","sentiment_score":0.0703313189248244}],"sentiment":"neutral","sentiment_score":0.03429399010050913,"num_words":58,"start":2569.47,"end":2591.3152},{"sentences":[{"text":"But you can find a spot of the seedling with no real growth plan or strategy or direction knowing what to do.","start":2591.375,"end":2597.95,"sentiment":"neutral","sentiment_score":0.08183503726666624},{"text":"So we set them up with, you know, growing wealth for retirement, but also protecting them in case something goes wrong, which is super insurance.","start":2597.95,"end":2605.5698,"sentiment":"neutral","sentiment_score":0.1880239862203598},{"text":"Afterwards, we start looking at taking up foundations, creating relationships with client's money, and getting them a nondeductible appreciating asset like that, which is what you've already done.","start":2606.2698,"end":2617.865,"sentiment":"neutral","sentiment_score":0.19402048417500087},{"text":"Then after that, we start if you wanna really build wealth, you start utilizing the OPM, other people's money.","start":2618.805,"end":2625.065,"sentiment":"neutral","sentiment_score":0.07834176130984959},{"text":"Your your agent stage in Northern graphic right now does not accommodate the leveraging and gearing at all.","start":2627.0,"end":2632.7,"sentiment":"neutral","sentiment_score":-0.12399378129177624}],"sentiment":"neutral","sentiment_score":0.09991204851706113,"num_words":112,"start":2591.375,"end":2632.7},{"sentences":[{"text":"Because if you borrow money, it's called OPM, the other people's money.","start":2632.92,"end":2636.94,"sentiment":"neutral","sentiment_score":0.0035125007561873645},{"text":"You know, you don't wanna borrow to invest in shares or anything anytime soon because if the market goes down, you will yeah.","start":2637.24,"end":2645.455,"sentiment":"neutral","sentiment_score":-0.23872252942427344},{"text":"You will not have enough time frame time horizon to be able to make it happen.","start":2645.455,"end":2649.715,"sentiment":"neutral","sentiment_score":-0.1869782549329102},{"text":"So we don't wanna we don't wanna do that.","start":2650.0151,"end":2652.0352,"sentiment":"neutral","sentiment_score":-0.27229605780707467},{"text":"So, yeah, that means that you've already done all those stages.","start":2652.735,"end":2655.875,"sentiment":"neutral","sentiment_score":-0.07410072806206616}],"sentiment":"neutral","sentiment_score":-0.16487172923319723,"num_words":71,"start":2632.92,"end":2655.875},{"sentences":[{"text":"Now you're sitting in the blooming stage and you're speaking to somebody like myself to try and work out the best way to hang up the boots and retire in style in that seating stage.","start":2656.1199,"end":2667.24,"sentiment":"neutral","sentiment_score":0.056497867086103985},{"text":"And when you decide to, you know, call it a day completely and move on, then, you know, fall off your perch, if you would, then, you know, what's the succession plan?","start":2667.24,"end":2679.645,"sentiment":"neutral","sentiment_score":0.11393472691997886},{"text":"What does that look like?","start":2679.645,"end":2680.685,"sentiment":"neutral","sentiment_score":0.10028288885951042},{"text":"What are we gonna do then?","start":2680.685,"end":2681.885,"sentiment":"neutral","sentiment_score":0.17694826051592827},{"text":"We do all that for you as well.","start":2681.885,"end":2683.505,"sentiment":"positive","sentiment_score":0.42730366811156273}],"sentiment":"neutral","sentiment_score":0.12331244141556495,"num_words":86,"start":2656.1199,"end":2683.505},{"sentences":[{"text":"K?","start":2683.885,"end":2684.385,"sentiment":"neutral","sentiment_score":0.06565330177545547},{"text":"Yeah.","start":2684.43,"end":2684.93,"sentiment":"neutral","sentiment_score":0.11841323971748352},{"text":"But right now, let's focus on the blooming stage where your GTR strategy is in place for both of you because your balance doing it.","start":2685.95,"end":2692.19,"sentiment":"neutral","sentiment_score":0.20548175781965256},{"text":"It doesn't really make sense for yourself.","start":2692.19,"end":2693.73,"sentiment":"neutral","sentiment_score":-0.08339879768235343},{"text":"You don't have, you know, you don't really need any complex cost structures or anything like that because you don't have that you don't have investment property, factories, and stuff.","start":2693.79,"end":2702.775,"sentiment":"neutral","sentiment_score":-0.13544094103078047}],"sentiment":"neutral","sentiment_score":0.010532666754443198,"num_words":64,"start":2683.885,"end":2702.775},{"sentences":[{"text":"You don't I wouldn't be recommending a self managed coupon because it's too expensive.","start":2704.115,"end":2707.8948,"sentiment":"neutral","sentiment_score":-0.2510295425142561},{"text":"But social security strategies.","start":2708.6748,"end":2710.355,"sentiment":"neutral","sentiment_score":-0.04715361073613167},{"text":"So we're gonna do your super and insurances, and we're gonna start looking at social security when you get to the age of 67.","start":2710.355,"end":2719.03,"sentiment":"neutral","sentiment_score":0.011659988512595495},{"text":"Try and get as much of the tax money you paid throughout your life back.","start":2719.89,"end":2723.5898,"sentiment":"neutral","sentiment_score":0.0893654428422451},{"text":"That's that's the plan.","start":2725.97,"end":2727.255,"sentiment":"neutral","sentiment_score":0.28540636599063873}],"sentiment":"neutral","sentiment_score":-0.01542756077451784,"num_words":61,"start":2704.115,"end":2727.255},{"sentences":[{"text":"So if you do somehow enough for record, if you do if you do end up, say, having more than the asset test, it's there might be, I don't know, room for to withdraw those funds from super, let's say, complete the tax fee, and use it for a renovation on your house.","start":2727.7349,"end":2745.92,"sentiment":"neutral","sentiment_score":0.12902520094418302},{"text":"You know?","start":2746.3801,"end":2746.7,"sentiment":"neutral","sentiment_score":0.04492057114839554},{"text":"And maybe you wanna do the kitchen up or something like that that'll cost just as much or preferably a dollar more than what the asset has been, that $4.25 425,000 or so so that you can do up your house because your primary place of residence in your home is exempt.","start":2746.7,"end":2765.335,"sentiment":"neutral","sentiment_score":0.006468308543284925},{"text":"So we can look at strategies like that.","start":2766.995,"end":2769.03,"sentiment":"neutral","sentiment_score":0.053277628030627966},{"text":"But right now, let's just focus on the foundation.","start":2769.59,"end":2771.69,"sentiment":"neutral","sentiment_score":0.07725422291292085}],"sentiment":"neutral","sentiment_score":0.06762933763750498,"num_words":124,"start":2727.7349,"end":2771.69},{"sentences":[{"text":"After that, there's our experienced team.","start":2773.19,"end":2775.19,"sentiment":"neutral","sentiment_score":0.07611977929870288},{"text":"There's obviously a very airbrush picture of myself in there.","start":2775.19,"end":2778.73,"sentiment":"neutral","sentiment_score":-0.022756426036357878},{"text":"I got, as you know, more city miles.","start":2779.51,"end":2781.51,"sentiment":"neutral","sentiment_score":0.01171727548353374},{"text":"There's a story about us, what I just explained.","start":2781.51,"end":2784.09,"sentiment":"neutral","sentiment_score":0.036334493249240846},{"text":"There's all my degrees and all the bits and pieces and little blurb about how awesome I am.","start":2784.425,"end":2789.565,"sentiment":"neutral","sentiment_score":0.1269200858142641}],"sentiment":"neutral","sentiment_score":0.05753852163131038,"num_words":51,"start":2773.19,"end":2789.565},{"sentences":[{"text":"I'm not gonna go through it.","start":2790.185,"end":2791.7249,"sentiment":"neutral","sentiment_score":-0.30596643189589184},{"text":"And then pretty much the same thing for everyone else in the team just to show depth of company and show that we're not a one man band.","start":2791.785,"end":2799.565,"sentiment":"neutral","sentiment_score":-0.04474707267114094},{"text":"K.","start":2801.2,"end":2801.4402,"sentiment":"neutral","sentiment_score":0.02119141630828381},{"text":"Darren's being the opposite, he can tell you.","start":2801.4402,"end":2803.3801,"sentiment":"neutral","sentiment_score":-0.01476994960103184},{"text":"So if I'm not available and you do come along as a client, we show benefit to you, and I'm not available, I'm not there, then there's always gonna be somebody to help you out.","start":2803.9202,"end":2812.6401,"sentiment":"neutral","sentiment_score":-0.010493808346135275}],"sentiment":"neutral","sentiment_score":-0.04555087306130773,"num_words":78,"start":2790.185,"end":2812.6401},{"sentences":[{"text":"K?","start":2812.6401,"end":2813.1401,"sentiment":"neutral","sentiment_score":0.007759267464280128},{"text":"Beautiful.","start":2814.595,"end":2815.095,"sentiment":"positive","sentiment_score":0.3586747646331787},{"text":"Outside of that, all the rest is pretty much compliance and boring stuff.","start":2816.355,"end":2819.875,"sentiment":"neutral","sentiment_score":-0.06852175180728619},{"text":"You know, regulatory guide 38.","start":2819.875,"end":2821.815,"sentiment":"neutral","sentiment_score":-0.08047752231359481},{"text":"We've got a a common law for district duty to protect your information.","start":2821.875,"end":2826.855,"sentiment":"neutral","sentiment_score":-0.0014948799776343198}],"sentiment":"neutral","sentiment_score":-0.028671811899226723,"num_words":33,"start":2812.6401,"end":2826.855},{"sentences":[{"text":"We've got huge PI insurance, so and intellectual property stuff.","start":2827.475,"end":2832.9001,"sentiment":"neutral","sentiment_score":0.021244153007864953},{"text":"We've got cyber security insurance, all the rest of it.","start":2832.9001,"end":2835.9602,"sentiment":"neutral","sentiment_score":0.04868030846118927},{"text":"Everything you need, we need, and how to get in contact with us.","start":2836.02,"end":2841.495,"sentiment":"neutral","sentiment_score":0.07276853173971176},{"text":"The last couple pages is just a network of the other professionals that we don't provide the service for to clients.","start":2841.8152,"end":2848.715,"sentiment":"neutral","sentiment_score":-0.004351444897197541},{"text":"Stuff like mortgage broker, accounting, and legal.","start":2848.935,"end":2851.3552,"sentiment":"neutral","sentiment_score":0.05002755618521145}],"sentiment":"neutral","sentiment_score":0.03121390291413323,"num_words":61,"start":2827.475,"end":2851.3552},{"sentences":[{"text":"That's just a network of individuals that I like the way they work.","start":2852.0552,"end":2856.2952,"sentiment":"neutral","sentiment_score":0.3038773605456719},{"text":"And, you know, there's nothing worse than referring the clients on that side.","start":2856.2952,"end":2860.1401,"sentiment":"neutral","sentiment_score":0.04327921311442669},{"text":"A great experience with OP, let's say, and we refer them on to a new partner, and they drop the ball.","start":2860.1401,"end":2866.5798,"sentiment":"neutral","sentiment_score":0.2315725620303835},{"text":"Just make up for that.","start":2866.5798,"end":2867.94,"sentiment":"neutral","sentiment_score":-0.000900585949420929},{"text":"Right?","start":2867.94,"end":2868.44,"sentiment":"neutral","sentiment_score":0.12951676547527313}],"sentiment":"neutral","sentiment_score":0.17926553011221705,"num_words":53,"start":2852.0552,"end":2868.44},{"sentences":[{"text":"So for that reason, I created this thing called OBA, a proud collaboration of expertise, and those are the partnering groups.","start":2869.785,"end":2877.625,"sentiment":"neutral","sentiment_score":0.26215293710785254},{"text":"So QCA, Accountants, Gold Coast Wealth Mortgage Brokers, Finance Industries Australia is more along the, like, commercial lending side.","start":2877.625,"end":2886.42,"sentiment":"neutral","sentiment_score":0.0788006496272589},{"text":"And then you've got Cape Fear and Associates and then Gold Coast accounting.","start":2886.5598,"end":2890.16,"sentiment":"neutral","sentiment_score":0.07728612766816066},{"text":"So pretty much any normal basis, we we don't get any referral fees from that at all because we run our own license, our own agents.","start":2890.16,"end":2898.095,"sentiment":"neutral","sentiment_score":0.06868232858295624},{"text":"So I'll explain that to you in a second.","start":2898.095,"end":2899.715,"sentiment":"neutral","sentiment_score":0.14952568295929167}],"sentiment":"neutral","sentiment_score":0.1265751746779477,"num_words":88,"start":2869.785,"end":2899.715},{"sentences":[{"text":"But, yeah, that's just a little bit more about that network and how we provide extra service to clients.","start":2900.2551,"end":2906.995,"sentiment":"positive","sentiment_score":0.3592093343797483},{"text":"That do you have any questions?","start":2907.215,"end":2910.035,"sentiment":"neutral","sentiment_score":0.09834832201401393},{"text":"So next document, next attachment is our actual financial services guide.","start":2911.72,"end":2916.06,"sentiment":"neutral","sentiment_score":0.06860639527440071},{"text":"Like I said, this is a compliance stuff, so I applied through it and try and make it as painless as possible.","start":2916.4402,"end":2922.86,"sentiment":"neutral","sentiment_score":0.2394990406253121},{"text":"But are you looking at that financial FSG now?","start":2924.425,"end":2928.2048,"sentiment":"neutral","sentiment_score":0.030877464761336643}],"sentiment":"neutral","sentiment_score":0.2047255777600986,"num_words":67,"start":2900.2551,"end":2928.2048},{"sentences":[{"text":"Or perfect.","start":2930.345,"end":2931.145,"sentiment":"positive","sentiment_score":0.33909784257411957},{"text":"So number one, we'll go through step by step.","start":2931.145,"end":2933.4849,"sentiment":"neutral","sentiment_score":0.24074541529019675},{"text":"Number one, the purpose of this financial services guide or FSG, we call it, is to provide you with as much information as possible.","start":2933.625,"end":2941.46,"sentiment":"neutral","sentiment_score":0.23295986838638783},{"text":"And if something goes wrong or if all the services we provide, who the license is under, and what that license entails.","start":2941.46,"end":2949.72,"sentiment":"neutral","sentiment_score":0.03805177269334143},{"text":"Okay?","start":2949.86,"end":2950.18,"sentiment":"neutral","sentiment_score":0.05460356920957565}],"sentiment":"neutral","sentiment_score":0.16082213504304146,"num_words":58,"start":2930.345,"end":2950.18},{"sentences":[{"text":"And also if there's any conflicts of interest in how to make complaint if you want to.","start":2950.18,"end":2955.395,"sentiment":"neutral","sentiment_score":-0.1985690179554855},{"text":"Secondly, here we are, we are IP Financial.","start":2955.395,"end":2957.415,"sentiment":"neutral","sentiment_score":0.03829665429657325},{"text":"We run our own Australian financial services license, which is directly under ASIC.","start":2957.555,"end":2962.375,"sentiment":"neutral","sentiment_score":0.0470864474773407},{"text":"ASIC is the Australian Securities Investment Commission.","start":2963.395,"end":2965.655,"sentiment":"neutral","sentiment_score":0.045735658279487064},{"text":"They award us a number.","start":2965.98,"end":2967.36,"sentiment":"neutral","sentiment_score":0.09924356937408448}],"sentiment":"neutral","sentiment_score":-0.032816175976768135,"num_words":50,"start":2950.18,"end":2967.36},{"sentences":[{"text":"We Bob and I were actually the second youngest firm in the country.","start":2967.42,"end":2971.92,"sentiment":"neutral","sentiment_score":0.11685422406746791},{"text":"Yeah.","start":2972.6199,"end":2973.1199,"sentiment":"neutral","sentiment_score":0.06186274066567421},{"text":"We have to be able to run Naperville because of our experience.","start":2973.82,"end":2976.72,"sentiment":"neutral","sentiment_score":-0.0008856724016368389},{"text":"ASIC declined us first.","start":2976.78,"end":2978.4,"sentiment":"neutral","sentiment_score":-0.17209691554307938},{"text":"But, yeah, they called us back about four months or so later and actually ordered us an AFSO, which quite quite feel quite privileged.","start":2978.7,"end":2985.9248,"sentiment":"neutral","sentiment_score":-0.03841224514568845}],"sentiment":"neutral","sentiment_score":-0.00073966594343936,"num_words":54,"start":2967.42,"end":2985.9248},{"sentences":[{"text":"But that yeah.","start":2986.4648,"end":2988.2249,"sentiment":"neutral","sentiment_score":0.015651368846495945},{"text":"There you go.","start":2988.2249,"end":2989.045,"sentiment":"neutral","sentiment_score":0.042703879376252495},{"text":"So that AFSO number for IP Financial, the company is 513068, and we are essentially responsible for all of them taking some financial advice under that license.","start":2989.6648,"end":3001.4001,"sentiment":"neutral","sentiment_score":0.043303279068183015},{"text":"So lack of independence, we can't say we're independent, we won't bias, or impartial because technically, ASIC has rules rules over us, rulings over us.","start":3002.1,"end":3011.445,"sentiment":"neutral","sentiment_score":-0.07379361405968667},{"text":"It's a really stupid law that we have to include.","start":3013.125,"end":3015.465,"sentiment":"negative","sentiment_score":-0.8240912675857544}],"sentiment":"neutral","sentiment_score":-0.12855145217412534,"num_words":68,"start":2986.4648,"end":3015.465},{"sentences":[{"text":"It's just obviously, it's it's section nine two three a of the Corporations Act.","start":3015.7651,"end":3020.645,"sentiment":"negative","sentiment_score":-0.43110374893460957},{"text":"Very short.","start":3020.645,"end":3021.205,"sentiment":"negative","sentiment_score":-0.42723190784454346},{"text":"Yep.","start":3021.205,"end":3021.445,"sentiment":"neutral","sentiment_score":-0.09767823666334152},{"text":"Nine two three a of the Courts Act.","start":3021.445,"end":3023.145,"sentiment":"neutral","sentiment_score":-0.09275200217962265},{"text":"It's it's it's it's one of those legislations that are enforced and made up by, you know, politicians that have never worked in the industry before.","start":3023.365,"end":3032.67,"sentiment":"neutral","sentiment_score":-0.27695357971466505}],"sentiment":"neutral","sentiment_score":-0.2927530123030438,"num_words":51,"start":3015.7651,"end":3032.67},{"sentences":[{"text":"So there's something we need to put in there, but, essentially, we even though we run our own license and make all the rules ourselves, we can recommend anything on the planet because the asset has final say over us.","start":3033.6099,"end":3045.095,"sentiment":"neutral","sentiment_score":0.13313509526196868},{"text":"We can't recall ourselves independence.","start":3045.095,"end":3046.955,"sentiment":"neutral","sentiment_score":-0.06870824247598648},{"text":"Yeah.","start":3047.335,"end":3047.655,"sentiment":"neutral","sentiment_score":0.022227052599191666},{"text":"That's the only thing that that means.","start":3047.655,"end":3049.195,"sentiment":"neutral","sentiment_score":0.021527403965592384},{"text":"Now the services we provide, we provide everything.","start":3049.575,"end":3052.875,"sentiment":"neutral","sentiment_score":0.09368161950260401}],"sentiment":"neutral","sentiment_score":0.09679072843406533,"num_words":61,"start":3033.6099,"end":3052.875},{"sentences":[{"text":"If you think along with financial scope, you think of money, think of us.","start":3053.015,"end":3056.46,"sentiment":"neutral","sentiment_score":0.09556154294737748},{"text":"We can give you recommendations on it outside of mortgage broking and accounting.","start":3056.54,"end":3061.8398,"sentiment":"neutral","sentiment_score":0.11041117015366371},{"text":"I am a register I am I'm qualified to be an accountant.","start":3062.46,"end":3066.4,"sentiment":"neutral","sentiment_score":0.00941948569379747},{"text":"I'm technically a registered taxation financial adviser, which is the exact same qualifications as an accountant, but I am not registered with the tax practitioners board.","start":3066.6199,"end":3079.695,"sentiment":"neutral","sentiment_score":-0.06854571513115214},{"text":"Reason for that is because I couldn't think of anything worse than being an accountant.","start":3079.8352,"end":3082.83,"sentiment":"negative","sentiment_score":-0.3904256542523702}],"sentiment":"neutral","sentiment_score":-0.05940415957011282,"num_words":80,"start":3053.015,"end":3082.83},{"sentences":[{"text":"So I can give advice on tax.","start":3083.3901,"end":3085.25,"sentiment":"neutral","sentiment_score":-0.15648164919444493},{"text":"I just don't do tax returns because I don't get paid enough, and it's just really a horrible thing to do.","start":3085.9502,"end":3091.97,"sentiment":"negative","sentiment_score":-0.6099752727009001},{"text":"We need people to do that.","start":3092.03,"end":3093.31,"sentiment":"negative","sentiment_score":-0.3822495440642039},{"text":"Yeah.","start":3093.31,"end":3093.6301,"sentiment":"neutral","sentiment_score":-0.0031967628747224808},{"text":"Correct.","start":3093.6301,"end":3094.1301,"sentiment":"neutral","sentiment_score":0.012802619487047195}],"sentiment":"negative","sentiment_score":-0.44968732441258097,"num_words":36,"start":3083.3901,"end":3094.1301},{"sentences":[{"text":"So I thought it worked out a way to still use what I know, but in the client's best interest, not the ATO's best interest because nobody likes the ATO.","start":3094.51,"end":3104.9749,"sentiment":"neutral","sentiment_score":-0.10947947576642036},{"text":"So there's a little bit more about what we can provide advice about.","start":3107.4348,"end":3110.555,"sentiment":"neutral","sentiment_score":-0.024286585645033762},{"text":"This is how we're going through this process, grabbing your initial client contact, so that's us talking now.","start":3110.555,"end":3116.14,"sentiment":"neutral","sentiment_score":0.09097509479357137},{"text":"In a couple weeks, we'll go through a recommendation through a statement of advice, give you an idea about the tracking for and if we can help you.","start":3116.3599,"end":3123.66,"sentiment":"neutral","sentiment_score":0.16830625597919738},{"text":"In any way, From there, you'll give us consent to proceed, the ATP authority to proceed.","start":3123.72,"end":3129.175,"sentiment":"neutral","sentiment_score":0.13245083298534155}],"sentiment":"neutral","sentiment_score":0.046373622048468816,"num_words":105,"start":3094.51,"end":3129.175},{"sentences":[{"text":"And then just like that, we'll just get to work, influence everything, let you know in a step.","start":3129.175,"end":3133.7551,"sentiment":"neutral","sentiment_score":0.2101015117433336},{"text":"And we'll review every year.","start":3135.415,"end":3137.195,"sentiment":"neutral","sentiment_score":0.15110333412885665},{"text":"And after that, there is the fees.","start":3137.38,"end":3139.46,"sentiment":"neutral","sentiment_score":0.04991851055196354},{"text":"We are professional service, and we do charge a professional service fee.","start":3139.46,"end":3143.48,"sentiment":"neutral","sentiment_score":0.06684650216872494},{"text":"I gave Darren the free, but the house that is leveraged against is yours too.","start":3143.54,"end":3149.78,"sentiment":"neutral","sentiment_score":0.004138518373171488}],"sentiment":"neutral","sentiment_score":0.10089489925456674,"num_words":57,"start":3129.175,"end":3149.78},{"sentences":[{"text":"So what do you deem is reasonable from a fee perspective?","start":3149.78,"end":3153.955,"sentiment":"neutral","sentiment_score":0.012933816252784296},{"text":"Because well, what we do is we charge a four that that table at number four So for the superannuation insurance advice, we do a complimentary consultation or letter of engagement to get the SOA or statement of advice started.","start":3155.735,"end":3174.23,"sentiment":"neutral","sentiment_score":0.04564195061102509},{"text":"You probably saw the statement of advice for Darren.","start":3174.53,"end":3176.6902,"sentiment":"neutral","sentiment_score":-0.028831935591167875},{"text":"That's very that's a lot of work that goes into that.","start":3176.6902,"end":3179.6702,"sentiment":"neutral","sentiment_score":-0.07581338641995733},{"text":"Well, it's not I mean, everything else.","start":3179.9348,"end":3181.635,"sentiment":"neutral","sentiment_score":0.013651666364499502}],"sentiment":"neutral","sentiment_score":0.012436884574783154,"num_words":78,"start":3149.78,"end":3181.635},{"sentences":[{"text":"But looking at your agent stage, I'll keep you in the roots bracket.","start":3181.9348,"end":3185.2148,"sentiment":"neutral","sentiment_score":0.09337693682083717},{"text":"So that's gonna be the the the start of the SOA is no charge.","start":3185.2148,"end":3190.835,"sentiment":"neutral","sentiment_score":0.1701901512486594},{"text":"But if you were to do some more complex strategies like margin lending, gearing, leveraging, that's $2,200 to get the plan started.","start":3191.055,"end":3200.68,"sentiment":"neutral","sentiment_score":0.14647748761556365},{"text":"And then once we implement it, we charge $4,950 out of your out of your balance or whatever the funds we manage.","start":3200.68,"end":3208.92,"sentiment":"neutral","sentiment_score":0.1063453968275677},{"text":"So you're super, essentially.","start":3208.92,"end":3210.6748,"sentiment":"neutral","sentiment_score":0.1847260557115078}],"sentiment":"neutral","sentiment_score":0.13196759968996047,"num_words":75,"start":3181.9348,"end":3210.6748},{"sentences":[{"text":"I would I would say that I'd be comfortable with more than halving it, say, 3,200.","start":3210.815,"end":3215.795,"sentiment":"neutral","sentiment_score":0.11166815808974206},{"text":"Would you be happy with that for an upfront fee?","start":3216.4949,"end":3218.835,"sentiment":"neutral","sentiment_score":0.13239369541406631},{"text":"Cool.","start":3220.8948,"end":3221.3948,"sentiment":"positive","sentiment_score":0.42194807529449463},{"text":"So I bring that down with the SOA just just to make sure that covers my plan and all the SOA and get pair of line and everything.","start":3221.4548,"end":3227.53,"sentiment":"neutral","sentiment_score":0.17721616090940578},{"text":"Beautiful.","start":3230.23,"end":3230.73,"sentiment":"positive","sentiment_score":0.46700650453567505}],"sentiment":"neutral","sentiment_score":0.16002918872982264,"num_words":56,"start":3210.815,"end":3230.73},{"sentences":[{"text":"And just so you're aware, we do do a couple discounts of rates.","start":3230.79,"end":3235.13,"sentiment":"neutral","sentiment_score":0.09471851243422581},{"text":"Darren's already on that.","start":3235.51,"end":3236.8699,"sentiment":"neutral","sentiment_score":0.08490899205207825},{"text":"Usually, we charge 1.65% for your kind of balances.","start":3236.8699,"end":3240.47,"sentiment":"neutral","sentiment_score":0.0619890441497167},{"text":"But as you can see the ongoing service fee on the couple's side, when you combine balances between 200 and 500,000, we charge 1.1% charge.","start":3240.47,"end":3251.445,"sentiment":"neutral","sentiment_score":0.06638886407017708},{"text":"And whereas if it's an individual, we charge 1.375.","start":3252.465,"end":3257.5,"sentiment":"neutral","sentiment_score":0.009771536570042372}],"sentiment":"neutral","sentiment_score":0.06460905763475845,"num_words":60,"start":3230.79,"end":3257.5},{"sentences":[{"text":"So we're gonna charge you both 1.1% until you get over $500,000, and then it'll drop again.","start":3257.72,"end":3264.2,"sentiment":"neutral","sentiment_score":0.10076518050011467},{"text":"K?","start":3264.2,"end":3264.7,"sentiment":"neutral","sentiment_score":0.008928170427680016},{"text":"Beautiful.","start":3266.44,"end":3266.94,"sentiment":"positive","sentiment_score":0.6404876708984375},{"text":"We get a 100% of the revenue first of the ASR, but if anybody's licensed underneath us, we have to pay them whatever we agree to.","start":3267.995,"end":3276.3152,"sentiment":"neutral","sentiment_score":0.14350153197749302},{"text":"But we've got no one underneath us.","start":3276.3152,"end":3277.835,"sentiment":"neutral","sentiment_score":-0.15130174585751124}],"sentiment":"neutral","sentiment_score":0.09681445231231359,"num_words":52,"start":3257.72,"end":3277.835},{"sentences":[{"text":"We are solely we're just a sole practice.","start":3277.835,"end":3280.175,"sentiment":"neutral","sentiment_score":-0.0351921507390216},{"text":"The last main important thing is complaints.","start":3281.4102,"end":3283.73,"sentiment":"neutral","sentiment_score":-0.049316889473370144},{"text":"The number 11.","start":3283.73,"end":3284.79,"sentiment":"neutral","sentiment_score":-0.03214680589735508},{"text":"Very bottom.","start":3285.09,"end":3285.83,"sentiment":"neutral","sentiment_score":-0.0854240171611309},{"text":"What happens if I run away with your money and drink and I go to Paris and I start drinking cocktails?","start":3286.61,"end":3292.79,"sentiment":"neutral","sentiment_score":-0.27120478451251984}],"sentiment":"neutral","sentiment_score":-0.16071571607324409,"num_words":41,"start":3277.835,"end":3292.79},{"sentences":[{"text":"You know where I live exactly?","start":3292.93,"end":3294.47,"sentiment":"neutral","sentiment_score":-0.0738254114985466},{"text":"You but I won't be here because I'll be in The Bahamas drinking the vena coladas.","start":3295.365,"end":3299.785,"sentiment":"neutral","sentiment_score":-0.12214117590337992},{"text":"Right?","start":3299.845,"end":3300.345,"sentiment":"neutral","sentiment_score":0.006794622167944908},{"text":"Exactly.","start":3302.885,"end":3303.385,"sentiment":"neutral","sentiment_score":0.09964239597320557},{"text":"You will find me and you will break.","start":3307.205,"end":3309.625,"sentiment":"neutral","sentiment_score":-0.11795031744986773}],"sentiment":"neutral","sentiment_score":-0.10107427515322343,"num_words":32,"start":3292.93,"end":3309.625},{"sentences":[{"text":"That's right.","start":3310.6199,"end":3311.26,"sentiment":"neutral","sentiment_score":-0.10027803108096123},{"text":"I don't intend to.","start":3311.26,"end":3312.46,"sentiment":"negative","sentiment_score":-0.3713209480047226},{"text":"I haven't done it in ten years, and we are still within our three, five claims in a decade.","start":3312.46,"end":3318.4,"sentiment":"neutral","sentiment_score":-0.26289243172658117},{"text":"Complaints, formal complaints, was for the external EIDI.","start":3318.7,"end":3321.76,"sentiment":"neutral","sentiment_score":-0.10866375360637903},{"text":"So correct.","start":3323.705,"end":3326.045,"sentiment":"neutral","sentiment_score":-0.055183036252856255}],"sentiment":"neutral","sentiment_score":-0.21887063309550286,"num_words":35,"start":3310.6199,"end":3326.045},{"sentences":[{"text":"No.","start":3326.585,"end":3326.905,"sentiment":"neutral","sentiment_score":-0.19839388132095337},{"text":"I'm I'm not that quick at running and there's nothing inside.","start":3326.905,"end":3330.105,"sentiment":"neutral","sentiment_score":-0.29197781058875},{"text":"So thanks for that for that.","start":3330.105,"end":3331.485,"sentiment":"neutral","sentiment_score":0.2770100211103757},{"text":"But yeah.","start":3333.305,"end":3333.705,"sentiment":"neutral","sentiment_score":0.06903274171054363},{"text":"There's so if you do have a complaint, you know, something like that does happen or you just you just pissed off about something, we're pretty reasonable people.","start":3333.705,"end":3339.9,"sentiment":"neutral","sentiment_score":-0.10205367588371571}],"sentiment":"neutral","sentiment_score":-0.0930734815095396,"num_words":48,"start":3326.585,"end":3339.9},{"sentences":[{"text":"Like, you can call the compliance manager, what's called an IDR, an internal dispute resolution.","start":3339.9,"end":3345.92,"sentiment":"neutral","sentiment_score":0.01127982884645462},{"text":"IDR means you get in touch with the compliance manager, which is me.","start":3346.7,"end":3350.96,"sentiment":"neutral","sentiment_score":-0.01593669246022518},{"text":"But you wouldn't wanna speak to me.","start":3351.595,"end":3353.435,"sentiment":"neutral","sentiment_score":-0.25362301830734524},{"text":"So for that reason, Bart's the compliance manager as well.","start":3353.435,"end":3356.2551,"sentiment":"neutral","sentiment_score":-0.02386427130550146},{"text":"I hadn't seen you well, you can speak to them.","start":3356.875,"end":3359.435,"sentiment":"neutral","sentiment_score":-0.22299986481666564}],"sentiment":"neutral","sentiment_score":-0.07785421924834901,"num_words":55,"start":3339.9,"end":3359.435},{"sentences":[{"text":"We've managed to settle every discrepancy along the way except for, like, two or something because they just got dropped anyway.","start":3359.435,"end":3365.435,"sentiment":"neutral","sentiment_score":-0.22711333756645521},{"text":"They were dumb.","start":3365.435,"end":3366.2551,"sentiment":"negative","sentiment_score":-0.7628211379051208},{"text":"But if for some reason Bart tells you to get stuff and go away, then you can always go to what's called an EBR, an external dispute resolution.","start":3367.84,"end":3376.9,"sentiment":"neutral","sentiment_score":-0.08246429271197744},{"text":"And that means that you get in touch with ATCO, the Australian Financial Complaints Authority, and all their details are there as well.","start":3377.52,"end":3384.205,"sentiment":"neutral","sentiment_score":0.010910026060984186},{"text":"And they are like give the watch so that they they come down on us pretty hard.","start":3384.205,"end":3388.145,"sentiment":"neutral","sentiment_score":-0.1362385968951618}],"sentiment":"neutral","sentiment_score":-0.12426053528653701,"num_words":92,"start":3359.435,"end":3388.145},{"sentences":[{"text":"And we are essentially at that point, we are guilty until proven innocent.","start":3389.245,"end":3393.245,"sentiment":"neutral","sentiment_score":-0.0969052635706388},{"text":"Alright?","start":3393.245,"end":3393.495,"sentiment":"neutral","sentiment_score":0.05049574002623558},{"text":"So so I'd definitely see it just because, like I said, we're still within the first five free claims.","start":3393.495,"end":3399.7,"sentiment":"neutral","sentiment_score":0.19438868604208293},{"text":"But, yeah, it's a lot easier just dealing with us, no problem.","start":3400.1602,"end":3404.9001,"sentiment":"neutral","sentiment_score":0.2944575138390064},{"text":"Perfect.","start":3406.24,"end":3406.72,"sentiment":"positive","sentiment_score":0.5254503488540649}],"sentiment":"neutral","sentiment_score":0.14224027963760105,"num_words":46,"start":3389.245,"end":3406.72},{"sentences":[{"text":"So that'll make sense.","start":3406.72,"end":3407.6,"sentiment":"positive","sentiment_score":0.3977154567837715},{"text":"Do you have any questions or concerns?","start":3407.6,"end":3409.22,"sentiment":"neutral","sentiment_score":0.11269392711775643},{"text":"Beautiful.","start":3411.235,"end":3411.735,"sentiment":"positive","sentiment_score":0.360135018825531},{"text":"Now I'm gonna run through a quick back point and then a risk profile.","start":3411.955,"end":3416.455,"sentiment":"neutral","sentiment_score":0.19436622091702052},{"text":"And after that, we are done.","start":3416.835,"end":3420.215,"sentiment":"neutral","sentiment_score":0.11473363886276881}],"sentiment":"neutral","sentiment_score":0.19216822693124413,"num_words":32,"start":3406.72,"end":3420.215},{"sentences":[{"text":"Beautiful.","start":3422.65,"end":3423.15,"sentiment":"neutral","sentiment_score":0.325688898563385},{"text":"Let me just find your file.","start":3423.21,"end":3425.95,"sentiment":"neutral","sentiment_score":0.16625836491584778},{"text":"There you are.","start":3426.09,"end":3426.89,"sentiment":"neutral","sentiment_score":0.08884393672148387},{"text":"Manning.","start":3426.89,"end":3427.39,"sentiment":"neutral","sentiment_score":0.038271889090538025},{"text":"I'm a manning.","start":3427.69,"end":3428.51,"sentiment":"neutral","sentiment_score":0.049498086174329124}],"sentiment":"neutral","sentiment_score":0.12689550327403204,"num_words":14,"start":3422.65,"end":3428.51},{"sentences":[{"text":"And then we search.","start":3428.57,"end":3431.15,"sentiment":"neutral","sentiment_score":0.05505936499685049},{"text":"Background.","start":3432.49,"end":3432.99,"sentiment":"neutral","sentiment_score":0.027694586664438248},{"text":"Okay.","start":3433.05,"end":3433.55,"sentiment":"neutral","sentiment_score":0.033641863614320755},{"text":"Let me just wait for this to open.","start":3434.09,"end":3435.77,"sentiment":"neutral","sentiment_score":0.04304543882608414},{"text":"I'll confirm some details.","start":3435.77,"end":3437.23,"sentiment":"neutral","sentiment_score":0.04367013741284609}],"sentiment":"neutral","sentiment_score":0.04447877614034547,"num_words":18,"start":3428.57,"end":3437.23},{"sentences":[{"text":"You don't have a middle name, do you?","start":3438.605,"end":3440.4648,"sentiment":"neutral","sentiment_score":-0.025851745042018592},{"text":"That's an easy.","start":3442.9248,"end":3443.825,"sentiment":"neutral","sentiment_score":-0.15378186603387198},{"text":"I'm like myself.","start":3444.365,"end":3445.345,"sentiment":"neutral","sentiment_score":-0.28480561077594757},{"text":"For some reason, my parents just thought it would be a great idea to torture me.","start":3445.4849,"end":3449.9849,"sentiment":"negative","sentiment_score":-0.4354364927858114},{"text":"I don't think it works that way.","start":3457.14,"end":3458.5999,"sentiment":"neutral","sentiment_score":-0.29989868828228544}],"sentiment":"neutral","sentiment_score":-0.28618516468417804,"num_words":37,"start":3438.605,"end":3458.5999},{"sentences":[{"text":"Yeah.","start":3461.38,"end":3461.5398,"sentiment":"neutral","sentiment_score":0.01025485061109066},{"text":"Fair enough.","start":3461.5398,"end":3462.2798,"sentiment":"neutral","sentiment_score":0.028922373428940773},{"text":"Okay.","start":3462.8198,"end":3463.3198,"sentiment":"neutral","sentiment_score":0.053862832486629486},{"text":"Yeah.","start":3463.5398,"end":3463.7,"sentiment":"neutral","sentiment_score":0.08859927207231522},{"text":"Maybe you can do the best of people along the way.","start":3463.7,"end":3465.945,"sentiment":"neutral","sentiment_score":0.21818646585399454}],"sentiment":"neutral","sentiment_score":0.16316330165136606,"num_words":16,"start":3461.38,"end":3465.945},{"sentences":[{"text":"So, yeah.","start":3465.945,"end":3470.525,"sentiment":"neutral","sentiment_score":0.04292724933475256},{"text":"Yeah.","start":3474.105,"end":3474.425,"sentiment":"neutral","sentiment_score":-0.03220456838607788},{"text":"I saw something as as well.","start":3474.425,"end":3476.105,"sentiment":"neutral","sentiment_score":-0.027378713091214497},{"text":"Was it Macquarie is your is your yeah, I didn't know that.","start":3476.105,"end":3481.89,"sentiment":"neutral","sentiment_score":-0.014879701736693582},{"text":"There you go.","start":3481.89,"end":3482.79,"sentiment":"neutral","sentiment_score":-0.007653979584574699}],"sentiment":"neutral","sentiment_score":-0.013005862827412784,"num_words":24,"start":3465.945,"end":3482.79},{"sentences":[{"text":"Alright.","start":3482.93,"end":3483.43,"sentiment":"neutral","sentiment_score":0.06026681512594223},{"text":"I've got the majority of your assets.","start":3483.81,"end":3486.05,"sentiment":"neutral","sentiment_score":0.06401983329227992},{"text":"I've got your private place resident and your motor vehicle.","start":3486.05,"end":3489.33,"sentiment":"neutral","sentiment_score":0.07359171770513058},{"text":"That's his work.","start":3489.33,"end":3490.23,"sentiment":"neutral","sentiment_score":0.034807040045658745},{"text":"Yep.","start":3493.595,"end":3494.095,"sentiment":"neutral","sentiment_score":-0.00617916788905859}],"sentiment":"neutral","sentiment_score":0.06102567170323296,"num_words":22,"start":3482.93,"end":3494.095},{"sentences":[{"text":"Mhmm.","start":3498.155,"end":3498.655,"sentiment":"neutral","sentiment_score":-0.02462195605039597},{"text":"No.","start":3508.87,"end":3509.11,"sentiment":"neutral","sentiment_score":-0.16510048508644104},{"text":"That's alright.","start":3509.11,"end":3509.6702,"sentiment":"neutral","sentiment_score":-0.1065843477845192},{"text":"Just what's it worth and what's the debt value?","start":3509.6702,"end":3512.1702,"sentiment":"neutral","sentiment_score":-0.052448304990927376},{"text":"Okay.","start":3518.7249,"end":3518.9648,"sentiment":"neutral","sentiment_score":-0.0049875397235155106}],"sentiment":"neutral","sentiment_score":-0.06285095866769552,"num_words":14,"start":3498.155,"end":3518.9648},{"sentences":[{"text":"So the account's in it.","start":3518.9648,"end":3520.565,"sentiment":"neutral","sentiment_score":-0.007616569474339485},{"text":"No loan on it?","start":3520.565,"end":3521.625,"sentiment":"neutral","sentiment_score":-0.058103764429688454},{"text":"Perfect.","start":3525.4448,"end":3525.9448,"sentiment":"neutral","sentiment_score":0.3066462278366089},{"text":"And the cash in the bank is 177,010.","start":3526.085,"end":3529.9448,"sentiment":"neutral","sentiment_score":0.09103534230962396},{"text":"Beautiful.","start":3532.34,"end":3532.84,"sentiment":"positive","sentiment_score":0.4718357920646667}],"sentiment":"neutral","sentiment_score":0.06506667648883242,"num_words":19,"start":3518.9648,"end":3532.84},{"sentences":[{"text":"Alright.","start":3534.34,"end":3534.82,"sentiment":"neutral","sentiment_score":0.19595913589000705},{"text":"Now I'm gonna ask you some questions in regard in regards to your risk profile.","start":3534.82,"end":3538.9001,"sentiment":"neutral","sentiment_score":0.02694678915043672},{"text":"Like I said, these questions, yeah, I need to know your tolerance and capacity, your risk.","start":3538.9001,"end":3544.1802,"sentiment":"neutral","sentiment_score":-0.027385285939089954},{"text":"I know your time right and know what you wanna achieve, but I just need to get more of a sense of what kind of what kind of risk financial risk taker you are.","start":3544.1802,"end":3551.515,"sentiment":"neutral","sentiment_score":-0.04259075607885333},{"text":"Okay?","start":3551.515,"end":3551.9949,"sentiment":"neutral","sentiment_score":-0.03178343549370766}],"sentiment":"neutral","sentiment_score":-0.019669742448561227,"num_words":67,"start":3534.34,"end":3551.9949},{"sentences":[{"text":"So on that note, we'll start off.","start":3551.9949,"end":3554.555,"sentiment":"neutral","sentiment_score":-0.03364969949637141},{"text":"Some of these questions are very dumb because they are created by the government.","start":3554.555,"end":3557.935,"sentiment":"neutral","sentiment_score":-0.2783281494464193},{"text":"So I have to bother them, but I'll answer those ones for you because, yeah, they're just pretty stupid as well when I get there.","start":3558.075,"end":3564.63,"sentiment":"neutral","sentiment_score":-0.22596839487552642},{"text":"But first question, starting off, how would you rate your willingness to take financial risk?","start":3564.8499,"end":3568.93,"sentiment":"neutral","sentiment_score":-0.05010711041589578},{"text":"Could you say that you're a very high risk taker, high risk taker, average risk taker, or low risk taker?","start":3568.93,"end":3574.265,"sentiment":"neutral","sentiment_score":-0.06469398634508253}],"sentiment":"neutral","sentiment_score":-0.14601034868830515,"num_words":81,"start":3551.9949,"end":3574.265},{"sentences":[{"text":"Sorry.","start":3574.325,"end":3574.825,"sentiment":"neutral","sentiment_score":-0.0824604332447052},{"text":"Where what how would you like to rate your willingness to take financial risk at your current agent stage in mind?","start":3578.565,"end":3585.305,"sentiment":"neutral","sentiment_score":-0.04742013946885154},{"text":"So would you say that you're, one, a very high risk taker, two, a high risk taker, three, an average risk taker, or four, a low risk taker?","start":3585.76,"end":3594.4202,"sentiment":"neutral","sentiment_score":-0.027487958249236857},{"text":"Average.","start":3596.8801,"end":3597.3801,"sentiment":"neutral","sentiment_score":0.009790599346160889},{"text":"Beautiful.","start":3597.4402,"end":3597.9402,"sentiment":"neutral","sentiment_score":0.20087148249149325}],"sentiment":"neutral","sentiment_score":-0.031486232908299334,"num_words":52,"start":3574.325,"end":3597.9402},{"sentences":[{"text":"And how familiar are you with investment markets?","start":3598.665,"end":3601.225,"sentiment":"neutral","sentiment_score":0.028187728370539844},{"text":"Would you say that you are comfortable or not at all?","start":3601.225,"end":3604.425,"sentiment":"neutral","sentiment_score":-0.051918098364364014},{"text":"Not familiar with investing.","start":3604.425,"end":3605.725,"sentiment":"neutral","sentiment_score":-0.030133730731904507},{"text":"That's so good.","start":3605.7852,"end":3606.685,"sentiment":"neutral","sentiment_score":0.23737508058547974},{"text":"And what's the most aggressive investments you've ever made?","start":3609.065,"end":3612.105,"sentiment":"neutral","sentiment_score":0.02614868080450429}],"sentiment":"neutral","sentiment_score":0.013752319743590695,"num_words":35,"start":3598.665,"end":3612.105},{"sentences":[{"text":"Have you ever bought direct shares personally?","start":3612.105,"end":3613.69,"sentiment":"neutral","sentiment_score":-0.013990581966936588},{"text":"Or okay.","start":3613.69,"end":3617.31,"sentiment":"neutral","sentiment_score":-0.06109661981463432},{"text":"That's perfect.","start":3619.77,"end":3620.6501,"sentiment":"positive","sentiment_score":0.7142540514469147},{"text":"That's exactly what I need to know.","start":3620.6501,"end":3622.43,"sentiment":"positive","sentiment_score":0.5223818591662815},{"text":"Beautiful.","start":3624.25,"end":3624.75,"sentiment":"positive","sentiment_score":0.4813927412033081}],"sentiment":"neutral","sentiment_score":0.28139192341385705,"num_words":19,"start":3612.105,"end":3624.75},{"sentences":[{"text":"And the next question that I already know the answer to is once the investments have been placed in force, how long before you need access or you want to access your capital?","start":3625.575,"end":3635.835,"sentiment":"neutral","sentiment_score":0.028280276664052948},{"text":"That's why we've got the age 67.","start":3636.135,"end":3638.135,"sentiment":"neutral","sentiment_score":-0.00853784302515643},{"text":"Right?","start":3638.135,"end":3638.635,"sentiment":"neutral","sentiment_score":0.0021053412929177284},{"text":"So I'm gonna say between two to three years.","start":3639.02,"end":3641.76,"sentiment":"neutral","sentiment_score":0.0003803421536253558},{"text":"Beautiful.","start":3643.66,"end":3644.16,"sentiment":"neutral","sentiment_score":0.22124028205871585}],"sentiment":"neutral","sentiment_score":0.02157358689160616,"num_words":51,"start":3625.575,"end":3644.16},{"sentences":[{"text":"Now volatility.","start":3644.46,"end":3646.0798,"sentiment":"neutral","sentiment_score":0.04154397454112768},{"text":"These are important.","start":3646.3,"end":3647.28,"sentiment":"neutral","sentiment_score":-0.009926073253154755},{"text":"So investments can go up and down in value over time.","start":3647.5798,"end":3650.38,"sentiment":"neutral","sentiment_score":-0.05075272291221402},{"text":"It's called volatility.","start":3650.38,"end":3651.28,"sentiment":"neutral","sentiment_score":-0.03339331535001596},{"text":"How much could your let's say you invest your super with us.","start":3652.695,"end":3655.8152,"sentiment":"neutral","sentiment_score":-0.03508187116434177}],"sentiment":"neutral","sentiment_score":-0.03310105234624878,"num_words":31,"start":3644.46,"end":3655.8152},{"sentences":[{"text":"How much could your superannuation drop and fall in value by before you start feeling concerned and anxious?","start":3655.8152,"end":3662.875,"sentiment":"neutral","sentiment_score":-0.0838649430208736},{"text":"K?","start":3663.655,"end":3664.11,"sentiment":"neutral","sentiment_score":-0.034162506461143494},{"text":"How much can it fall by?","start":3664.1902,"end":3665.4702,"sentiment":"neutral","sentiment_score":-0.04862933171292146},{"text":"So one, more than 50%.","start":3665.4702,"end":3667.55,"sentiment":"neutral","sentiment_score":-0.04187259450554848},{"text":"Two, up to 50%.","start":3667.55,"end":3669.2302,"sentiment":"neutral","sentiment_score":-0.02043913211673498}],"sentiment":"neutral","sentiment_score":-0.06254785212085527,"num_words":34,"start":3655.8152,"end":3669.2302},{"sentences":[{"text":"Three, up to 25%.","start":3669.2302,"end":3670.75,"sentiment":"neutral","sentiment_score":-0.017780888825654984},{"text":"Or four, up to 10%.","start":3670.75,"end":3672.2102,"sentiment":"neutral","sentiment_score":-0.02154153063893318},{"text":"Okay.","start":3677.545,"end":3677.7852,"sentiment":"neutral","sentiment_score":0.08841905742883682},{"text":"Good.","start":3677.7852,"end":3678.2852,"sentiment":"neutral","sentiment_score":0.13144366443157196},{"text":"And what based on that answer, what happens if, let's say, in six months after investing your funds plus, you find out that obviously in line with general trends with the market, so some sort of collapse, your portfolio has decreased by 20%.","start":3679.145,"end":3694.8,"sentiment":"neutral","sentiment_score":-0.05613192357122898}],"sentiment":"neutral","sentiment_score":-0.043937800003698575,"num_words":54,"start":3669.2302,"end":3694.8},{"sentences":[{"text":"So that's then your portfolio essentially drops by what you go for.","start":3695.34,"end":3699.34,"sentiment":"neutral","sentiment_score":-0.12345883312324683},{"text":"So about $10,000.","start":3699.34,"end":3700.96,"sentiment":"neutral","sentiment_score":-0.08939818292856216},{"text":"You lose 10 thousand dollars in your portfolio, it's now sitting at 30,000 after six months.","start":3701.02,"end":3705.68,"sentiment":"neutral","sentiment_score":-0.11861486360430717},{"text":"What would you do?","start":3705.975,"end":3706.935,"sentiment":"neutral","sentiment_score":-0.042902106419205666},{"text":"Would you, one, invest heavily for future growth?","start":3706.935,"end":3710.155,"sentiment":"neutral","sentiment_score":-0.02352555561810732}],"sentiment":"neutral","sentiment_score":-0.09319421475709871,"num_words":43,"start":3695.34,"end":3710.155},{"sentences":[{"text":"Two, invest modestly for future growth?","start":3710.375,"end":3712.875,"sentiment":"neutral","sentiment_score":-0.01889257427925865},{"text":"Three, hold and wait improvement?","start":3713.0151,"end":3714.635,"sentiment":"neutral","sentiment_score":-0.023901785537600518},{"text":"Or four, shift to more secure assets and tell me to get stuff?","start":3714.7751,"end":3717.995,"sentiment":"neutral","sentiment_score":-0.034856115539486594},{"text":"Probably hold and wait and prove them up just while speaking to your professional, your financial professional?","start":3722.76,"end":3727.6602,"sentiment":"neutral","sentiment_score":-0.05174691312234191},{"text":"No.","start":3729.08,"end":3729.2402,"sentiment":"neutral","sentiment_score":-0.10694470256567}],"sentiment":"neutral","sentiment_score":-0.039824669071961014,"num_words":42,"start":3710.375,"end":3729.2402},{"sentences":[{"text":"This is a very dumb question, but I'm gonna ask it anyway.","start":3729.2402,"end":3731.7402,"sentiment":"neutral","sentiment_score":-0.12151465254525344},{"text":"So what kind of return and percentage do you want do you expect to achieve over the longer term?","start":3732.04,"end":3738.165,"sentiment":"neutral","sentiment_score":-0.021569760516285896},{"text":"More than 8%?","start":3738.385,"end":3739.605,"sentiment":"neutral","sentiment_score":-0.017408651299774647},{"text":"Between six and eight percent?","start":3739.905,"end":3741.505,"sentiment":"neutral","sentiment_score":-0.008859153836965561},{"text":"Between 46%?","start":3741.505,"end":3742.945,"sentiment":"neutral","sentiment_score":-0.011008876841515303}],"sentiment":"neutral","sentiment_score":-0.04845221358828428,"num_words":41,"start":3729.2402,"end":3742.945},{"sentences":[{"text":"Or just tracking the cash?","start":3742.945,"end":3745.365,"sentiment":"neutral","sentiment_score":-0.011599058285355568},{"text":"You're on the highest.","start":3748.08,"end":3748.8801,"sentiment":"neutral","sentiment_score":0.032158831134438515},{"text":"Right?","start":3748.8801,"end":3749.3801,"sentiment":"neutral","sentiment_score":-0.0030612442642450333},{"text":"Yeah.","start":3750.8801,"end":3751.0,"sentiment":"neutral","sentiment_score":-0.074726901948452},{"text":"I assume so.","start":3751.0,"end":3752.08,"sentiment":"neutral","sentiment_score":-0.12409581989049911}],"sentiment":"neutral","sentiment_score":-0.027102540912372724,"num_words":14,"start":3742.945,"end":3752.08},{"sentences":[{"text":"I don't even know why that question is there.","start":3752.08,"end":3754.02,"sentiment":"neutral","sentiment_score":-0.24707176784674326},{"text":"Alright.","start":3756.8801,"end":3757.3801,"sentiment":"neutral","sentiment_score":-0.04142365604639053},{"text":"Alright.","start":3757.52,"end":3758.02,"sentiment":"neutral","sentiment_score":-0.011204048059880732},{"text":"Last couple of questions.","start":3758.08,"end":3759.04,"sentiment":"neutral","sentiment_score":-0.011574264615774155},{"text":"Have you thought about ever taking out a loan to invest?","start":3759.04,"end":3761.78,"sentiment":"neutral","sentiment_score":0.005088393830440261}],"sentiment":"neutral","sentiment_score":-0.0871768592713544,"num_words":26,"start":3752.08,"end":3761.78},{"sentences":[{"text":"One, you borrowed or open to borrowing money for stocks and funds and manage funds and shares?","start":3762.1602,"end":3768.0352,"sentiment":"neutral","sentiment_score":0.007765444762566511},{"text":"Or or two, you have borrowed or open to borrowing for an investment property?","start":3769.215,"end":3774.195,"sentiment":"neutral","sentiment_score":-0.0027701944179300752},{"text":"You Yeah.","start":3777.55,"end":3780.11,"sentiment":"neutral","sentiment_score":-0.00990405771881342},{"text":"No.","start":3780.11,"end":3780.35,"sentiment":"neutral","sentiment_score":-0.06312811374664307},{"text":"Just in the past, have you ever borrowed money to invest in a share portfolio?","start":3780.35,"end":3783.57,"sentiment":"neutral","sentiment_score":-0.02908768951892853}],"sentiment":"neutral","sentiment_score":-0.008694321078685473,"num_words":49,"start":3762.1602,"end":3783.57},{"sentences":[{"text":"Yep.","start":3787.95,"end":3788.27,"sentiment":"neutral","sentiment_score":0.2526490092277527},{"text":"Perfect.","start":3788.27,"end":3788.67,"sentiment":"positive","sentiment_score":0.5796689391136169},{"text":"That's the answer I need.","start":3788.67,"end":3789.97,"sentiment":"positive","sentiment_score":0.4430587410926819},{"text":"Okay.","start":3791.025,"end":3791.4248,"sentiment":"neutral","sentiment_score":0.1847737282514572},{"text":"And then based on that question, Regal, thinking about the way you answered it, how would taking out a loan right now to invest in in the assets make you feel?","start":3791.4248,"end":3801.525,"sentiment":"neutral","sentiment_score":0.16660523823192042}],"sentiment":"neutral","sentiment_score":0.21531148121142998,"num_words":39,"start":3787.95,"end":3801.525},{"sentences":[{"text":"Would you say that you're very comfortable and happy to do so?","start":3801.585,"end":3804.54,"sentiment":"neutral","sentiment_score":0.18542966867486635},{"text":"Would you say that you're somewhat comfortable because you're causing up risks?","start":3804.54,"end":3807.68,"sentiment":"neutral","sentiment_score":-0.16505926040311655},{"text":"Would you say that you're careful with borrowing and understand that it can be very risky?","start":3808.3801,"end":3812.48,"sentiment":"neutral","sentiment_score":-0.2675344171002507},{"text":"Or would you say extremely worried due to significant risks and will never consider doing it doing?","start":3812.54,"end":3817.52,"sentiment":"neutral","sentiment_score":-0.3229595527929418},{"text":"You've been for me along the way.","start":3834.67,"end":3836.77,"sentiment":"neutral","sentiment_score":0.022928537667862008}],"sentiment":"neutral","sentiment_score":-0.14634247512731235,"num_words":64,"start":3801.585,"end":3836.77},{"sentences":[{"text":"Okay.","start":3840.35,"end":3840.85,"sentiment":"neutral","sentiment_score":0.0408875048160553},{"text":"Okay.","start":3841.71,"end":3842.21,"sentiment":"neutral","sentiment_score":0.027694188058376312},{"text":"Would you like to know what kind of investments and what kind of invested you are?","start":3842.27,"end":3847.65,"sentiment":"neutral","sentiment_score":0.021079272613860667},{"text":"Alright.","start":3850.305,"end":3850.805,"sentiment":"neutral","sentiment_score":0.13401585817337036},{"text":"Go more, please.","start":3851.105,"end":3852.085,"sentiment":"neutral","sentiment_score":0.11555899182955424}],"sentiment":"neutral","sentiment_score":0.04029740401628343,"num_words":22,"start":3840.35,"end":3852.085},{"sentences":[{"text":"So you are what we call a balanced investor.","start":3853.025,"end":3856.245,"sentiment":"neutral","sentiment_score":0.1818259490860833},{"text":"So pretty much on the on the most conservative side of investing there is.","start":3856.705,"end":3861.445,"sentiment":"neutral","sentiment_score":0.18989337874310358},{"text":"I am going to bump you I'm gonna leave you there, actually.","start":3861.75,"end":3867.21,"sentiment":"neutral","sentiment_score":0.09174964235474665},{"text":"So I've got capacity in my my in my profession.","start":3867.43,"end":3870.47,"sentiment":"neutral","sentiment_score":0.11118694692850113},{"text":"I've got capacity to for my experience to move you up or down one risk profile.","start":3870.47,"end":3876.01,"sentiment":"neutral","sentiment_score":0.09388973540626466}],"sentiment":"neutral","sentiment_score":0.1313121604626296,"num_words":61,"start":3853.025,"end":3876.01},{"sentences":[{"text":"I can if you wanted better return at above 8%, obviously, more risk than higher return, but also high volatility and longer time.","start":3877.5552,"end":3885.395,"sentiment":"neutral","sentiment_score":0.051269627945578614},{"text":"Right?","start":3885.395,"end":3885.895,"sentiment":"neutral","sentiment_score":0.06287442147731781},{"text":"If you're looking at a two to three year time horizon or two year time horizon, then you should be looking at a very defensive portfolio.","start":3885.955,"end":3894.4202,"sentiment":"neutral","sentiment_score":0.06192933409832991},{"text":"So if you're comfortable with that for a lower return in case the markets do change for the worst, I can put you in a very standard kind of tracking defensive portfolio.","start":3894.4202,"end":3905.135,"sentiment":"neutral","sentiment_score":0.08905159519053996},{"text":"But if you did wanna make things a little bit pricier, I could I would be comfortable bumping you up to a balanced growth portfolio and doing a little bit more active management than usual.","start":3905.135,"end":3916.255,"sentiment":"neutral","sentiment_score":0.18712433544652804}],"sentiment":"neutral","sentiment_score":0.10471146442314498,"num_words":117,"start":3877.5552,"end":3916.255},{"sentences":[{"text":"And just making sure that you know, if the market does drop, we sell cash and things like that.","start":3916.255,"end":3921.84,"sentiment":"neutral","sentiment_score":-0.1817269576223273},{"text":"Okay.","start":3926.22,"end":3926.72,"sentiment":"neutral","sentiment_score":-0.08889752626419067},{"text":"So if you are invested in shares, your $40,000 is invested in shares, and The US market collapses.","start":3927.02,"end":3935.925,"sentiment":"neutral","sentiment_score":-0.15003759206997025},{"text":"GFC two point o fell 61, right, over a year and a half.","start":3936.705,"end":3941.365,"sentiment":"neutral","sentiment_score":-0.1203058660030365},{"text":"If you invested a 100% in bonds, you would not have been affected by that.","start":3941.985,"end":3946.325,"sentiment":"neutral","sentiment_score":-0.0355007474621137}],"sentiment":"neutral","sentiment_score":-0.1263465734593796,"num_words":66,"start":3916.255,"end":3946.325},{"sentences":[{"text":"If you invested a 100% in shares, you would have lost 61% of your money.","start":3946.58,"end":3950.6,"sentiment":"neutral","sentiment_score":-0.1531404323875904},{"text":"So what I wanna try and do is make it like a fifty fifty kind of approach, like 50% of yours or 20,000 in shares and another 20,000 in high interest, like bonds and things like that.","start":3952.66,"end":3963.5552,"sentiment":"neutral","sentiment_score":0.11695675098815479},{"text":"So that you get you get income, but you're also a little bit defensive because if we put you in a high growth or risky portfolio, all shares, and the market drops tomorrow, and GFC two point o happens in the next year and a half, you've only got six months to make that 51% back, which is not enough time.","start":3963.695,"end":3981.54,"sentiment":"neutral","sentiment_score":-0.04980288775729352},{"text":"K?","start":3983.52,"end":3983.92,"sentiment":"neutral","sentiment_score":0.03958692029118538},{"text":"So I would be encouraging maybe a balanced growth portfolio.","start":3983.92,"end":3987.44,"sentiment":"neutral","sentiment_score":0.23919422626495362}],"sentiment":"neutral","sentiment_score":0.011482631697529746,"num_words":124,"start":3946.58,"end":3987.44},{"sentences":[{"text":"What that looks like is about 60% invested into the market around the world and another 40% invested into defensive assets.","start":3987.44,"end":3995.065,"sentiment":"neutral","sentiment_score":0.11836188641332444},{"text":"Darren?","start":3995.605,"end":3996.085,"sentiment":"neutral","sentiment_score":0.07612486183643341},{"text":"Yeah.","start":3996.085,"end":3996.585,"sentiment":"neutral","sentiment_score":0.1627575010061264},{"text":"That's what I recommend.","start":3997.365,"end":3998.425,"sentiment":"neutral","sentiment_score":0.25835512578487396},{"text":"Good.","start":4001.045,"end":4001.545,"sentiment":"positive","sentiment_score":0.453705370426178}],"sentiment":"neutral","sentiment_score":0.1504145661102874,"num_words":28,"start":3987.44,"end":4001.545},{"sentences":[{"text":"Beautiful.","start":4005.765,"end":4006.265,"sentiment":"positive","sentiment_score":0.6013230085372925},{"text":"Hey, well, don't don't get too overzealous just yet.","start":4006.98,"end":4010.1199,"sentiment":"neutral","sentiment_score":0.12851547242866623},{"text":"I'm gonna see it work for us.","start":4010.9,"end":4012.52,"sentiment":"neutral","sentiment_score":0.32290858030319214},{"text":"Perfect.","start":4014.1,"end":4014.6,"sentiment":"positive","sentiment_score":0.4675260782241822},{"text":"And look, that pretty much sums up.","start":4014.74,"end":4017.0,"sentiment":"neutral","sentiment_score":0.3210782600300653}],"sentiment":"neutral","sentiment_score":0.2693358488380909,"num_words":25,"start":4005.765,"end":4017.0},{"sentences":[{"text":"So when is a good time for me to get back in touch?","start":4017.3,"end":4023.2449,"sentiment":"neutral","sentiment_score":0.10696284501598431},{"text":"Probably not next week.","start":4023.2449,"end":4024.4448,"sentiment":"neutral","sentiment_score":-0.04274317808449268},{"text":"I'm fully booked.","start":4024.4448,"end":4025.325,"sentiment":"neutral","sentiment_score":-0.010866279403368631},{"text":"But the week after, I'm currently in Melbourne.","start":4025.325,"end":4028.385,"sentiment":"neutral","sentiment_score":-0.01450167573057115},{"text":"I don't really do Wednesday.","start":4038.9302,"end":4040.1301,"sentiment":"neutral","sentiment_score":-0.08074111640453338}],"sentiment":"neutral","sentiment_score":0.020218983236135857,"num_words":33,"start":4017.3,"end":4040.1301},{"sentences":[{"text":"Did you wanna come into the office?","start":4040.1301,"end":4041.57,"sentiment":"neutral","sentiment_score":-0.016685477990124906},{"text":"Or Yeah.","start":4041.57,"end":4045.97,"sentiment":"neutral","sentiment_score":-0.000606730580329895},{"text":"It makes our life a lot easier as well because we found all the printers.","start":4045.97,"end":4049.25,"sentiment":"positive","sentiment_score":0.692746122678121},{"text":"We got every scan and everything there.","start":4049.25,"end":4051.065,"sentiment":"positive","sentiment_score":0.482447407075337},{"text":"And we can, like, actually sit down and go through it, and you can be in the boardroom and all the rest of it.","start":4051.545,"end":4056.4448,"sentiment":"positive","sentiment_score":0.4900822800894578}],"sentiment":"positive","sentiment_score":0.4620415746319023,"num_words":55,"start":4040.1301,"end":4056.4448},{"sentences":[{"text":"Alright.","start":4057.7048,"end":4058.105,"sentiment":"neutral","sentiment_score":0.2930769622325897},{"text":"I will shoot you through a calendar invite.","start":4058.105,"end":4060.045,"sentiment":"neutral","sentiment_score":0.2561389021575451},{"text":"So accept that when you're ready.","start":4060.425,"end":4063.2249,"sentiment":"neutral","sentiment_score":0.23348801334698996},{"text":"And, yeah, I'll also shoot you you've already provided all your documents, haven't you?","start":4063.2249,"end":4068.0,"sentiment":"neutral","sentiment_score":0.10964232310652733},{"text":"Yeah.","start":4070.22,"end":4070.6199,"sentiment":"neutral","sentiment_score":0.03986503183841705}],"sentiment":"neutral","sentiment_score":0.17726579383015634,"num_words":30,"start":4057.7048,"end":4070.6199},{"sentences":[{"text":"For rest.","start":4070.6199,"end":4071.3599,"sentiment":"neutral","sentiment_score":0.03321829903870821},{"text":"Amazing.","start":4076.38,"end":4076.88,"sentiment":"neutral","sentiment_score":0.1508559137582779},{"text":"Yeah.","start":4080.055,"end":4080.295,"sentiment":"neutral","sentiment_score":0.00879388302564621},{"text":"No.","start":4080.295,"end":4080.455,"sentiment":"neutral","sentiment_score":-0.11292257905006409},{"text":"I've had a look through them.","start":4080.455,"end":4081.495,"sentiment":"neutral","sentiment_score":-0.06261798987785976}],"sentiment":"neutral","sentiment_score":-0.02386764758689837,"num_words":11,"start":4070.6199,"end":4081.495},{"sentences":[{"text":"They are saved in the file.","start":4081.495,"end":4083.0151,"sentiment":"neutral","sentiment_score":0.010530965402722359},{"text":"I was just hoping that all of it was there.","start":4083.0151,"end":4085.175,"sentiment":"neutral","sentiment_score":-0.05509756356477737},{"text":"So I did that.","start":4085.175,"end":4085.895,"sentiment":"neutral","sentiment_score":0.014225341379642487},{"text":"Yeah.","start":4085.895,"end":4086.135,"sentiment":"neutral","sentiment_score":0.09723789989948271},{"text":"And the rest gave you a full full consolidated rundown.","start":4086.135,"end":4088.855,"sentiment":"neutral","sentiment_score":0.1582605391740799}],"sentiment":"neutral","sentiment_score":0.040288864965400385,"num_words":31,"start":4081.495,"end":4088.855},{"sentences":[{"text":"Correct?","start":4088.855,"end":4089.355,"sentiment":"neutral","sentiment_score":0.05774625763297081},{"text":"Amazing.","start":4099.38,"end":4099.86,"sentiment":"positive","sentiment_score":0.337882399559021},{"text":"Amazing.","start":4099.86,"end":4100.36,"sentiment":"neutral","sentiment_score":0.30934572219848633},{"text":"And did you mail did you email just in writing, or was it an actual statement?","start":4101.06,"end":4105.16,"sentiment":"neutral","sentiment_score":-0.0331700686365366},{"text":"Okay.","start":4108.5747,"end":4109.0747,"sentiment":"neutral","sentiment_score":-0.05009591951966286}],"sentiment":"neutral","sentiment_score":0.006207868084311485,"num_words":20,"start":4088.855,"end":4109.0747},{"sentences":[{"text":"Is there any way that you can grab a statement?","start":4109.5347,"end":4114.5947,"sentiment":"neutral","sentiment_score":-0.04912884682416916},{"text":"Wow.","start":4126.6396,"end":4127.1396,"sentiment":"neutral","sentiment_score":-0.07858619093894958},{"text":"Okay.","start":4128.2397,"end":4128.7397,"sentiment":"neutral","sentiment_score":-0.054229218512773514},{"text":"Right.","start":4129.1997,"end":4129.52,"sentiment":"neutral","sentiment_score":-0.03505895659327507},{"text":"We're gonna get you out of rest because, yeah, you it's your money that you've worked really hard for.","start":4129.52,"end":4136.775,"sentiment":"neutral","sentiment_score":-0.009451013646627725}],"sentiment":"neutral","sentiment_score":-0.026210377924144268,"num_words":32,"start":4109.5347,"end":4136.775},{"sentences":[{"text":"That's not that's not really everything she just said is not right.","start":4144.775,"end":4149.21,"sentiment":"negative","sentiment_score":-0.4827609087030093},{"text":"Yeah.","start":4149.69,"end":4150.19,"sentiment":"neutral","sentiment_score":-0.20368769764900208},{"text":"It's it's your money.","start":4150.4897,"end":4151.37,"sentiment":"neutral","sentiment_score":-0.2371557205915451},{"text":"It's your superannuation.","start":4151.37,"end":4152.27,"sentiment":"positive","sentiment_score":0.47311710317929584},{"text":"And they're the you're the customer.","start":4152.73,"end":4154.51,"sentiment":"positive","sentiment_score":0.4521695723136266}],"sentiment":"neutral","sentiment_score":-0.1081951054242941,"num_words":26,"start":4144.775,"end":4154.51},{"sentences":[{"text":"And they're the product.","start":4154.57,"end":4155.63,"sentiment":"positive","sentiment_score":0.41550295054912567},{"text":"They should be able to provide you for tax purposes, a statement whenever you like.","start":4156.33,"end":4161.71,"sentiment":"positive","sentiment_score":0.3693108022212982},{"text":"No.","start":4177.05,"end":4177.21,"sentiment":"neutral","sentiment_score":-0.12244879454374312},{"text":"That's it.","start":4177.21,"end":4177.53,"sentiment":"neutral","sentiment_score":-0.1476939097046852},{"text":"I think just just for compliance, but because I need to make sure that I've got some sort of edited backing.","start":4177.53,"end":4182.03,"sentiment":"neutral","sentiment_score":-0.08602912511144366}],"sentiment":"neutral","sentiment_score":0.11574943242378014,"num_words":43,"start":4154.57,"end":4182.03},{"sentences":[{"text":"K.","start":4182.65,"end":4183.05,"sentiment":"neutral","sentiment_score":0.057105857878923416},{"text":"So don't stress too hard about it.","start":4183.05,"end":4185.63,"sentiment":"neutral","sentiment_score":0.17680222434656961},{"text":"I'll if we do need something, like, I'm gonna ask for your IDs and your TFA and stuff like that in email.","start":4186.33,"end":4192.455,"sentiment":"neutral","sentiment_score":0.1537973518398675},{"text":"So if you can get that through to us, if you haven't already, that'll be great.","start":4192.455,"end":4195.175,"sentiment":"neutral","sentiment_score":0.29452711250633},{"text":"But other than that, thank you for your time, and that concludes your complimentary initial consultation.","start":4195.175,"end":4201.595,"sentiment":"positive","sentiment_score":0.3695854553952813}],"sentiment":"neutral","sentiment_score":0.24683974605173833,"num_words":62,"start":4182.65,"end":4201.595},{"sentences":[{"text":"How do I do it?","start":4201.735,"end":4203.0,"sentiment":"neutral","sentiment_score":0.09121663272380828},{"text":"Out of time.","start":4203.0,"end":4203.9,"sentiment":"neutral","sentiment_score":0.11376481875777245},{"text":"Beautiful.","start":4204.52,"end":4205.02,"sentiment":"positive","sentiment_score":0.6344806551933289},{"text":"I've done it a few times.","start":4205.8,"end":4207.5,"sentiment":"neutral","sentiment_score":0.3270636548598607},{"text":"No.","start":4212.04,"end":4212.36,"sentiment":"neutral","sentiment_score":-0.04020515829324722}],"sentiment":"neutral","sentiment_score":0.2096271903719753,"num_words":16,"start":4201.735,"end":4212.36},{"sentences":[{"text":"The week after.","start":4212.36,"end":4213.42,"sentiment":"neutral","sentiment_score":-0.03508504976828893},{"text":"Correct.","start":4216.295,"end":4216.795,"sentiment":"neutral","sentiment_score":0.09916426241397858},{"text":"Beautiful.","start":4220.375,"end":4220.875,"sentiment":"positive","sentiment_score":0.732184886932373},{"text":"I'll send you a calendar invite now to the Margaret Manning email at Hotmail, and you should receive that shortly.","start":4220.935,"end":4230.56,"sentiment":"positive","sentiment_score":0.39503445476293564},{"text":"And yeah.","start":4231.7397,"end":4232.38,"sentiment":"neutral","sentiment_score":0.22858941555023193}],"sentiment":"positive","sentiment_score":0.3364430343111356,"num_words":27,"start":4212.36,"end":4232.38},{"sentences":[{"text":"What?","start":4232.38,"end":4232.62,"sentiment":"neutral","sentiment_score":0.1960400491952896},{"text":"Thank you for your time.","start":4232.62,"end":4233.5,"sentiment":"positive","sentiment_score":0.6652478575706482},{"text":"Let's get to work.","start":4233.5,"end":4234.48,"sentiment":"positive","sentiment_score":0.45901985466480255},{"text":"See you.","start":4236.3,"end":4236.6997,"sentiment":"positive","sentiment_score":0.5453709959983826},{"text":"Bye.","start":4236.6997,"end":4237.1997,"sentiment":"neutral","sentiment_score":0.29939112067222595}],"sentiment":"positive","sentiment_score":0.5191147591059024,"num_words":13,"start":4232.38,"end":4237.1997}]}}]},{"alternatives":[{"transcript":"Hello? Yeah. I got Hello? Hi, Savvy. How are you? I'm good. Okay. You're not calling me. Yes. Yes. Okay. Well, because you were talking about something before when you were talking down about with mine as well. Yep. Well, my hours have cut right down now that I'm only doing twelve hours a week. Okay. I can tell you exactly how much that's gonna be. Give me one second. It's not much. That's for sure. 18 or 18. No. One 8. No. It's 20 one. Yep. Yep. Not really. Yep. Alright. Mhmm. Alright. Mhmm. Oh, wow. Mhmm. I'm not really sure. It's just that we were talking about because I'll because I know, like because I'm 65 this year, so now I'm coming to retirement age. So yeah. So I'm not really quite sure. So, like, if I because I know I can't get any pension, can I, until I'm 67, isn't it? Yep. Yep. Yep. How much is that again? Sorry, city. So is that, like, just that's not including the house. It said that that's just savings, is it? We should be on the 400,000, I think. Maybe. No. Because I've got passion there that because we've done we're getting us to put that $30,000 into his out of our savings into his tax. So we don't into his super so we don't pay tax on it. So with that, is it worth us putting it all in it or just the 30,000? Yeah. Because I know that when they do the tax with that money that we've got in the in the account that gets money, I know when our account does it, she takes it off my tax. So it's touching here. Is that why I've always got it that way last year I had to pay? Oh, no. It's not. Yes. Yep. Okay. Well, exactly. Third of October. Yep. Yep. Oh, yeah. Well, I did because I drew it out for my for my name. Yeah. Because, see, the money yeah, because the money that we've got in the bank account is Well, it's virtually yeah. Well, that's virtually what it is. It's virtually like so that we've got money behind us as well. Because there's a 100 that will will most probably take some money out to get the same plantation shows. So at the moment, there's a 177,000 in it. Well, that isn't even with the money taken out of super for the super yet. Because, see, with this one, if we this account that we've got, that, like, we accept this. If we put $200 a month in there without touching it, then we get, like, interest each month. We'll see. We put more in there. So, like, each month, the bonus interest is around about $700 a month that we're getting. Yep. Yes. It's a growth saver account. From George Suncorp. Sorry. It's a GrowthSaver account. I'm not quite sure what interest we get on it because we get credit interest and then we get bonus interest. So the credit interest is only, like, under $10, but the bonus interest is what we make the money on because, like I say, if you put $200 a month in and don't throw any money out of that, then you get the monthly interest, which is like, as I said, each month, we normally get around about $7,800 a month. Then we gotta pay tax on that. Exactly. Yes. Yep. Oh, okay. Cool. Yeah. Yep. Yeah. Because I went yeah. Because when I went back to work after my niece, I was only doing four hours a day. And then they said, oh, we'll have to do that contract then do another one. I'm an eye care. They said, well, do you wanna just stick on those hours too? Which I went, twelve hours a week is plenty for me to do. I said so I said, I'll just do twelve hours a week. I don't wanna do any more than that. Well, exactly. Exactly. Let's try the CareClick. Yep. Mhmm. Not really. I was just gonna work until I didn't wanna do it anymore, which would probably only be well, it'll probably only have been overseas. Well, I'm hoping that they're gonna close our store down and make them redone. That'll be even better. I'm hoping that they'll do that. Probably. Or sooner. Okay. Mhmm. Definitely. Yeah. I'd rather say about I mean, like, because if you put in body core pin rates or things like that, and then, like, you'd want for, like, when we travel and everything. So probably about, yeah, maybe $121,300 per week. Yep. Of course. Definitely. Whatever we can get so that we can get everything that you just said. Yep. Yep. Well, exactly. Yeah. We are debt free. So yeah. Yeah. Exactly. Yeah. Mhmm. Mhmm. Yep. Mhmm. Mhmm. Yep. Mhmm. Yep. Yep. Mhmm. Yep. Mhmm. Yep. Yep. Okay. Yep. Kind of makes sense. Yep. Okay. Yeah. It's not gonna happen. Yeah. Definitely. Definitely. Mhmm. Well, probably so how do we go about doing what you just spoke about? Like, how do I go about doing that? Yep. Mhmm. Yep. Okay. Not a problem. Sounds good. Oh, because we, yeah, because we like traveling. Like, we only stop because by now so now my needs are better. We're gonna start traveling again. Well, we always used to go away, like, once a year for at least four to six weeks. Yep. Anywhere over the world, I have to say. That's right. See it. I mean, like, we've done Europe and all that, so it's probably just places like all over there. So what we eventually wanna do is we wanna go to Vietnam for three months, get a place in Vietnam, and then virtually go from Vietnam across to all of, like, The Philippines and not to all the other places because it's easier to travel from Vietnam, and it's cheaper. So that's what we virtually wanna eventually not do in three months. Like, not in three months, but, like, four, three months. But that'll be well, towards being taken Darren's most probably gonna end up getting to retirement age because I'd rather do it sooner. But he's like, well, no. I've gotta keep working. And so I thought, well, no. You don't. But anyway yep. Yeah. Because I said, Joan, I said because John goes, oh, you know, I've gotta work. So I know you don't. I said, like I said, the other thing I said, we wanna do things right now, not wait until, like, you're too old to do things. I said, what's the point of having all this money if we can't do anything good because we're too old to do anything. So No. You can't. You can't buy over there. Oh, no. We will never sell this place. No. It'll be virtually that we just go on holiday for three months. So, like, we'll go there. We'll live overseas for three months, and then we'll come back here. Then we'll do it again. We'll go over somewhere else for three months and come back. So, virtually, like, I wanna do it so we can actually go away and have, like, a holiday for three months of the year. Yep. Not really. Yeah. Just like so that I know that, like, if when I do retire that, like, it's not gonna be that we really can't afford for me to retire. Like, I'd rather retire before two years. I'd rather Dan retire before he's even 65 if he can, but that's only another five years. So I don't know if he can do that, but that would be lovely if you could. Yeah. Because I said to Jonathan, do you wanna think? When you're 65, I said I'm gonna be 70 because I'm five years older than me. So I said, like I said, you're still gonna be 65. I'm gonna be 70. I might wanna travel at 70. I wanna travel now, not 10. I know. Yep. Yep. Yeah. Yeah. Yeah. Yeah. Exactly. Yep. Yep. So another thing I was gonna ask, so is the rest alright for me to have my soup in or should I speak with it? Are they alright to have it in? Yeah. Yep. Yep. Yep. Yep. Yes. Yep. I've only gotten the yeah. Yeah. See, I used half of it for for my surgery. I think there's 40 I think it was 43,000. Well, I sent all that information to Madison. She wanted me to I got it all from rest and send it all to her. Yep. Mhmm. Yep. Not a problem. Yes. I don't know. I never that just came with the Superfund, I think. Oh, okay. Well, I don't really need them, do I? Yes. Okay. Yep. Well, that's true. That's fine. As I said, hey. Because I just as I said, like, I've had this rest for, like, years. So it's just I think they just said, you know, do you want that? I was just like, yeah. Okay. Whatever you think I should have. That's what I was doing with them. I just did. Do I or did I? No. I worked at other ones, but I was always at rest. I was always in rest. Improve '84. Yeah. About then. Actually, I didn't actually, I didn't have soup because super when did super come in? Okay. 1993. So okay. Maybe no. I wasn't actually because I've got no. Sorry. No. Because yeah. Yeah. I was. Shit. Back then, I would never cruise. Wasn't much. Not not back then when I was working. Probably would have been. But see, you gotta think when I was when back in those at that day, I was only doing part time because I I had the two kids on my own. So I wasn't working full time. Until I moved up here, I was actually doing down in Sydney, I was actually doing cash in hand. I would have been well, I moved up here in well, I moved up here in 2000. So from 1994, I would have been doing cash in hand for about four or five years. Because I was only doing part time and I was doing cash in hand. I was in so I wasn't paying super. When I moved up here, so it would have been in 2001. Probably. Yep. Yep. Mhmm. Mhmm. Yep. Oh, okay. I don't know. I thought I was just a business, but maybe I wasn't. I don't know. Uh-huh. Okay. Let me just open up my tablet. That is Mhmm. So okay. So you you sent it to me? Yeah. I did look let me look on my phone. Because sometimes it comes on my phone and not my tablet. I don't know why I thought it does sometimes. Yes. That's it. Oh, here we go. It was in spam. So it comes through on my phone, but it's not on my tablet. Oh, no. It's on my it's alright. It's on my tablet now. Okay. That's why I'm forced to load. Okay. So this one Yes. Yep. You got that? Yep. Yep. Mhmm. Yep. Yep. Alright. Yep. Alright. Okay. Yep. Mhmm. Yep. Yes. No. Mhmm. Yep. Maria. Mhmm. Mhmm. Yep. Mhmm. That'll be good. Yes. Mhmm. Mhmm. Yep. Yep. Yep. Mhmm. Yep. Yes. Sure. Mhmm. Yep. Yep. No. Yeah. I'm on that page. Mhmm. Oh, wow. Mhmm. Mhmm. Okay. Mhmm. Sure. It would be. Definitely not. Not a problem. Mhmm. I don't know. What do you know me? Touch paper. Mhmm. Yep. Yep. That's fine. Yep. No. That's yep. Mhmm. Yep. Yes. Yep. Okay. No worries. Mhmm. Yep. I know where you live. I would know about you'll be taking my daughter and grandson. So oh, no. Every wherever you are, I will find you. So you can't run away from me at all. What's it say? You can run, but you can't hide. Yep. Mhmm. Yep. Yep. Mhmm. Yep. Yep. Yes. Not at all. Not a problem. Nope. No. I don't have a middle name. My parents couldn't afford one. That's what I tell people. I know. But I just tell people that anyway. It's so funny. My whole life people go, what's your name? You say your name and I go, do you have a middle name? No. I don't. Oh, you really don't? No. Maiden name? Yes. Mine. Mine is g w m Jolene oh, what is it? It's a oh, fuck. Yeah. Forget what I keep forgetting what it's called. Oh, what's it? Sorry. 30 was it 38,000, I think it is? No. No. We're getting both our cars out right. Hundred and 77,000. Yeah. Mhmm. Mhmm. What was that again? Maybe average. Not at all. No. I don't think we've had an investment property. Yep. Mhmm. Yep. Probably up to 25%. Mhmm. Oh, I don't know. What do you reckon I should do? Oh, sure. Yeah. I'd say 8%. Exactly. That's a dumb question, like you said. Is that, like, for now? I don't borrow money to do an investment property. I would never think about that one. Yes. Let me know. That I don't understand what you mean by that. Yep. Okay. Okay. Yep. Okay. Yep. Is that what you recommend? I'll do that then. If that's what you recommend, we'll do what you said. Okay. Well, I work on Tuesday, Thursday, Saturday. So if you wanna do Monday, Wednesday, Friday, any of those days, because that way, I'm at home. Yes. You want me to come into the office so I can do that? Yep. Yep. Yep. From rest. Yeah. I got the yeah. Madison. I got them all and sent them to Madison. I thought she would have given them to you because I thought she said she was gonna give them to you. Yeah. I was Madison told me what I had to ask them, and I asked them every question in the charts, and I wrote down everything they said. Yeah. And I emailed them all to her. No. It's just an email in writing. Wrist won't do a statement because I asked them that, and they said all they can do is tell me over the phone. I don't know when they send their statements out. I actually, I don't think I can get statements from Wrist. Because when I asked so when I asked her about it, and I said, oh, can you email them to me? She said, we can't email them. She said, I can tell you over the phone. I went, oh, okay. So I had to sit there and write everything down that she was telling me. Yeah. Yep. Well, as I said, I asked her and she went, I can only tell you over the phone. So I said when she was telling me that Madison sent me a list of what I had to ask her. So I was asking her that and as she was telling me, I was writing it down and then I sent that to Madison in a in an email. Yep. No worries. Very good. So what I'll do is so I'll see you next Wednesday. The week after. Yep. That's it. Whichever, just let me know, yep, when it is, and I'll be there. No worries. Thanks, Debbie. Okay. 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Yeah. I got Hello? Hi, Savvy. How are you?\n\nI'm good. Okay. You're not calling me. Yes. Yes.\n\nOkay. Well, because you were talking about something before when you were talking down about with mine as well. Yep. Well, my hours have cut right down now that I'm only doing twelve hours a week. Okay.\n\nI can tell you exactly how much that's gonna be. Give me one second. It's not much. That's for sure. 18 or 18.\n\nNo. One 8. No. It's 20 one. Yep.\n\nYep. Not really. Yep. Alright. Mhmm.\n\nAlright. Mhmm. Oh, wow. Mhmm. I'm not really sure.\n\nIt's just that we were talking about because I'll because I know, like because I'm 65 this year, so now I'm coming to retirement age. So yeah. So I'm not really quite sure. So, like, if I because I know I can't get any pension, can I, until I'm 67, isn't it? Yep.\n\nYep. Yep. How much is that again? Sorry, city. So is that, like, just that's not including the house.\n\nIt said that that's just savings, is it? We should be on the 400,000, I think. Maybe. No. Because I've got passion there that because we've done we're getting us to put that $30,000 into his out of our savings into his tax.\n\nSo we don't into his super so we don't pay tax on it. So with that, is it worth us putting it all in it or just the 30,000? Yeah. Because I know that when they do the tax with that money that we've got in the in the account that gets money, I know when our account does it, she takes it off my tax. So it's touching here.\n\nIs that why I've always got it that way last year I had to pay? Oh, no. It's not. Yes. Yep.\n\nOkay. Well, exactly. Third of October. Yep. Yep.\n\nOh, yeah. Well, I did because I drew it out for my for my name. Yeah. Because, see, the money yeah, because the money that we've got in the bank account is Well, it's virtually yeah. Well, that's virtually what it is.\n\nIt's virtually like so that we've got money behind us as well. Because there's a 100 that will will most probably take some money out to get the same plantation shows. So at the moment, there's a 177,000 in it. Well, that isn't even with the money taken out of super for the super yet. Because, see, with this one, if we this account that we've got, that, like, we accept this.\n\nIf we put $200 a month in there without touching it, then we get, like, interest each month. We'll see. We put more in there. So, like, each month, the bonus interest is around about $700 a month that we're getting. Yep.\n\nYes. It's a growth saver account. From George Suncorp. Sorry. It's a GrowthSaver account.\n\nI'm not quite sure what interest we get on it because we get credit interest and then we get bonus interest. So the credit interest is only, like, under $10, but the bonus interest is what we make the money on because, like I say, if you put $200 a month in and don't throw any money out of that, then you get the monthly interest, which is like, as I said, each month, we normally get around about $7,800 a month. Then we gotta pay tax on that. Exactly. Yes.\n\nYep. Oh, okay. Cool. Yeah. Yep.\n\nYeah. Because I went yeah. Because when I went back to work after my niece, I was only doing four hours a day. And then they said, oh, we'll have to do that contract then do another one. I'm an eye care.\n\nThey said, well, do you wanna just stick on those hours too? Which I went, twelve hours a week is plenty for me to do. I said so I said, I'll just do twelve hours a week. I don't wanna do any more than that. Well, exactly.\n\nExactly. Let's try the CareClick. Yep. Mhmm. Not really.\n\nI was just gonna work until I didn't wanna do it anymore, which would probably only be well, it'll probably only have been overseas. Well, I'm hoping that they're gonna close our store down and make them redone. That'll be even better. I'm hoping that they'll do that. Probably.\n\nOr sooner. Okay. Mhmm. Definitely. Yeah.\n\nI'd rather say about I mean, like, because if you put in body core pin rates or things like that, and then, like, you'd want for, like, when we travel and everything. So probably about, yeah, maybe $121,300 per week. Yep. Of course. Definitely.\n\nWhatever we can get so that we can get everything that you just said. Yep. Yep. Well, exactly. Yeah.\n\nWe are debt free. So yeah. Yeah. Exactly. Yeah.\n\nMhmm. Mhmm. Yep. Mhmm. Mhmm.\n\nYep. Mhmm. Yep. Yep. Mhmm.\n\nYep. Mhmm. Yep. Yep. Okay.\n\nYep. Kind of makes sense. Yep. Okay. Yeah.\n\nIt's not gonna happen. Yeah. Definitely. Definitely. Mhmm.\n\nWell, probably so how do we go about doing what you just spoke about? Like, how do I go about doing that? Yep. Mhmm. Yep.\n\nOkay. Not a problem. Sounds good. Oh, because we, yeah, because we like traveling. Like, we only stop because by now so now my needs are better.\n\nWe're gonna start traveling again. Well, we always used to go away, like, once a year for at least four to six weeks. Yep. Anywhere over the world, I have to say. That's right.\n\nSee it. I mean, like, we've done Europe and all that, so it's probably just places like all over there. So what we eventually wanna do is we wanna go to Vietnam for three months, get a place in Vietnam, and then virtually go from Vietnam across to all of, like, The Philippines and not to all the other places because it's easier to travel from Vietnam, and it's cheaper. So that's what we virtually wanna eventually not do in three months. Like, not in three months, but, like, four, three months.\n\nBut that'll be well, towards being taken Darren's most probably gonna end up getting to retirement age because I'd rather do it sooner. But he's like, well, no. I've gotta keep working. And so I thought, well, no. You don't.\n\nBut anyway yep. Yeah. Because I said, Joan, I said because John goes, oh, you know, I've gotta work. So I know you don't. I said, like I said, the other thing I said, we wanna do things right now, not wait until, like, you're too old to do things.\n\nI said, what's the point of having all this money if we can't do anything good because we're too old to do anything. So No. You can't. You can't buy over there. Oh, no.\n\nWe will never sell this place. No. It'll be virtually that we just go on holiday for three months. So, like, we'll go there. We'll live overseas for three months, and then we'll come back here.\n\nThen we'll do it again. We'll go over somewhere else for three months and come back. So, virtually, like, I wanna do it so we can actually go away and have, like, a holiday for three months of the year. Yep. Not really.\n\nYeah. Just like so that I know that, like, if when I do retire that, like, it's not gonna be that we really can't afford for me to retire. Like, I'd rather retire before two years. I'd rather Dan retire before he's even 65 if he can, but that's only another five years. So I don't know if he can do that, but that would be lovely if you could.\n\nYeah. Because I said to Jonathan, do you wanna think? When you're 65, I said I'm gonna be 70 because I'm five years older than me. So I said, like I said, you're still gonna be 65. I'm gonna be 70.\n\nI might wanna travel at 70. I wanna travel now, not 10. I know. Yep. Yep.\n\nYeah. Yeah. Yeah. Yeah. Exactly.\n\nYep. Yep. So another thing I was gonna ask, so is the rest alright for me to have my soup in or should I speak with it? Are they alright to have it in? Yeah.\n\nYep. Yep. Yep. Yep. Yes.\n\nYep. I've only gotten the yeah. Yeah. See, I used half of it for for my surgery. I think there's 40 I think it was 43,000.\n\nWell, I sent all that information to Madison. She wanted me to I got it all from rest and send it all to her. Yep. Mhmm. Yep.\n\nNot a problem. Yes. I don't know. I never that just came with the Superfund, I think. Oh, okay.\n\nWell, I don't really need them, do I? Yes. Okay. Yep. Well, that's true.\n\nThat's fine. As I said, hey. Because I just as I said, like, I've had this rest for, like, years. So it's just I think they just said, you know, do you want that? I was just like, yeah.\n\nOkay. Whatever you think I should have. That's what I was doing with them. I just did. Do I or did I?\n\nNo. I worked at other ones, but I was always at rest. I was always in rest. Improve '84. Yeah.\n\nAbout then. Actually, I didn't actually, I didn't have soup because super when did super come in? Okay. 1993. So okay.\n\nMaybe no. I wasn't actually because I've got no. Sorry. No. Because yeah.\n\nYeah. I was. Shit. Back then, I would never cruise. Wasn't much.\n\nNot not back then when I was working. Probably would have been. But see, you gotta think when I was when back in those at that day, I was only doing part time because I I had the two kids on my own. So I wasn't working full time. Until I moved up here, I was actually doing down in Sydney, I was actually doing cash in hand.\n\nI would have been well, I moved up here in well, I moved up here in 2000. So from 1994, I would have been doing cash in hand for about four or five years. Because I was only doing part time and I was doing cash in hand. I was in so I wasn't paying super. When I moved up here, so it would have been in 2001.\n\nProbably. Yep. Yep. Mhmm. Mhmm.\n\nYep. Oh, okay. I don't know. I thought I was just a business, but maybe I wasn't. I don't know.\n\nUh-huh. Okay. Let me just open up my tablet. That is Mhmm. So okay.\n\nSo you you sent it to me? Yeah. I did look let me look on my phone. Because sometimes it comes on my phone and not my tablet. I don't know why I thought it does sometimes.\n\nYes. That's it. Oh, here we go. It was in spam. So it comes through on my phone, but it's not on my tablet.\n\nOh, no. It's on my it's alright. It's on my tablet now. Okay. That's why I'm forced to load.\n\nOkay. So this one Yes. Yep. You got that? Yep.\n\nYep. Mhmm. Yep. Yep. Alright.\n\nYep. Alright. Okay. Yep. Mhmm.\n\nYep. Yes. No. Mhmm. Yep.\n\nMaria. Mhmm. Mhmm. Yep. Mhmm.\n\nThat'll be good. Yes. Mhmm. Mhmm. Yep.\n\nYep. Yep. Mhmm. Yep. Yes.\n\nSure. Mhmm. Yep. Yep. No.\n\nYeah. I'm on that page. Mhmm. Oh, wow. Mhmm.\n\nMhmm. Okay. Mhmm. Sure. It would be.\n\nDefinitely not. Not a problem. Mhmm. I don't know. What do you know me?\n\nTouch paper. Mhmm. Yep. Yep. That's fine.\n\nYep. No. That's yep. Mhmm. Yep.\n\nYes. Yep. Okay. No worries. Mhmm.\n\nYep. I know where you live. I would know about you'll be taking my daughter and grandson. So oh, no. Every wherever you are, I will find you.\n\nSo you can't run away from me at all. What's it say? You can run, but you can't hide. Yep. Mhmm.\n\nYep. Yep. Mhmm. Yep. Yep.\n\nYes. Not at all. Not a problem. Nope. No.\n\nI don't have a middle name. My parents couldn't afford one. That's what I tell people. I know. But I just tell people that anyway.\n\nIt's so funny. My whole life people go, what's your name? You say your name and I go, do you have a middle name? No. I don't.\n\nOh, you really don't? No. Maiden name? Yes. Mine.\n\nMine is g w m Jolene oh, what is it? It's a oh, fuck. Yeah. Forget what I keep forgetting what it's called. Oh, what's it?\n\nSorry. 30 was it 38,000, I think it is? No. No. We're getting both our cars out right.\n\nHundred and 77,000. Yeah. Mhmm. Mhmm. What was that again?\n\nMaybe average. Not at all. No. I don't think we've had an investment property. Yep.\n\nMhmm. Yep. Probably up to 25%. Mhmm. Oh, I don't know.\n\nWhat do you reckon I should do? Oh, sure. Yeah. I'd say 8%. Exactly.\n\nThat's a dumb question, like you said. Is that, like, for now? I don't borrow money to do an investment property. I would never think about that one. Yes.\n\nLet me know. That I don't understand what you mean by that. Yep. Okay. Okay.\n\nYep. Okay. Yep. Is that what you recommend? I'll do that then.\n\nIf that's what you recommend, we'll do what you said. Okay. Well, I work on Tuesday, Thursday, Saturday. So if you wanna do Monday, Wednesday, Friday, any of those days, because that way, I'm at home. Yes.\n\nYou want me to come into the office so I can do that? Yep. Yep. Yep. From rest.\n\nYeah. I got the yeah. Madison. I got them all and sent them to Madison. I thought she would have given them to you because I thought she said she was gonna give them to you.\n\nYeah. I was Madison told me what I had to ask them, and I asked them every question in the charts, and I wrote down everything they said. Yeah. And I emailed them all to her. No.\n\nIt's just an email in writing. Wrist won't do a statement because I asked them that, and they said all they can do is tell me over the phone. I don't know when they send their statements out. I actually, I don't think I can get statements from Wrist. Because when I asked so when I asked her about it, and I said, oh, can you email them to me?\n\nShe said, we can't email them. She said, I can tell you over the phone. I went, oh, okay. So I had to sit there and write everything down that she was telling me. Yeah.\n\nYep. Well, as I said, I asked her and she went, I can only tell you over the phone. So I said when she was telling me that Madison sent me a list of what I had to ask her. So I was asking her that and as she was telling me, I was writing it down and then I sent that to Madison in a in an email. Yep.\n\nNo worries. Very good. So what I'll do is so I'll see you next Wednesday. The week after. Yep.\n\nThat's it. Whichever, just let me know, yep, when it is, and I'll be there. No worries. Thanks, Debbie. Okay.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.24,"end":0.71999997,"sentiment":"neutral","sentiment_score":0.019404858350753784},{"text":"Yeah.","start":0.71999997,"end":0.96,"sentiment":"neutral","sentiment_score":0.049237288534641266},{"text":"I got Hello?","start":0.96,"end":3.9399998,"sentiment":"neutral","sentiment_score":0.03707262811561426},{"text":"Hi, Savvy.","start":5.6,"end":6.3999996,"sentiment":"neutral","sentiment_score":0.24799943715333939},{"text":"How are you?","start":6.3999996,"end":7.22,"sentiment":"neutral","sentiment_score":0.26946056882540387}],"sentiment":"neutral","sentiment_score":0.1484240612015128,"num_words":10,"start":0.24,"end":7.22},{"sentences":[{"text":"I'm good.","start":7.52,"end":8.26,"sentiment":"positive","sentiment_score":0.5877579748630524},{"text":"Okay.","start":10.559999,"end":11.04,"sentiment":"neutral","sentiment_score":0.07346139848232269},{"text":"You're not calling me.","start":11.04,"end":12.34,"sentiment":"neutral","sentiment_score":-0.09222591109573841},{"text":"Yes.","start":15.2,"end":15.7,"sentiment":"neutral","sentiment_score":0.258087694644928},{"text":"Yes.","start":18.645,"end":19.145,"sentiment":"neutral","sentiment_score":0.22916366159915924}],"sentiment":"neutral","sentiment_score":0.15192500667439568,"num_words":9,"start":7.52,"end":19.145},{"sentences":[{"text":"Okay.","start":24.965,"end":25.285,"sentiment":"neutral","sentiment_score":0.06581179797649384},{"text":"Well, because you were talking about something before when you were talking down about with mine as well.","start":25.285,"end":30.585,"sentiment":"neutral","sentiment_score":0.00583905592146847},{"text":"Yep.","start":41.66,"end":42.16,"sentiment":"neutral","sentiment_score":-0.006118719931691885},{"text":"Well, my hours have cut right down now that I'm only doing twelve hours a week.","start":45.225002,"end":49.405,"sentiment":"neutral","sentiment_score":-0.11954739829525352},{"text":"Okay.","start":56.985,"end":57.385002,"sentiment":"neutral","sentiment_score":0.019184142351150513}],"sentiment":"neutral","sentiment_score":-0.04672373366869382,"num_words":37,"start":24.965,"end":57.385002},{"sentences":[{"text":"I can tell you exactly how much that's gonna be.","start":57.385002,"end":59.545,"sentiment":"neutral","sentiment_score":0.01588600929826498},{"text":"Give me one second.","start":59.545,"end":63.06,"sentiment":"neutral","sentiment_score":0.02502913447096944},{"text":"It's not much.","start":64.240005,"end":65.22,"sentiment":"neutral","sentiment_score":-0.10162429263194402},{"text":"That's for sure.","start":65.36,"end":66.340004,"sentiment":"neutral","sentiment_score":-0.016848656659324963},{"text":"18 or 18.","start":69.92,"end":71.46,"sentiment":"neutral","sentiment_score":-0.018049240733186405}],"sentiment":"neutral","sentiment_score":-0.006547388661166896,"num_words":23,"start":57.385002,"end":71.46},{"sentences":[{"text":"No.","start":72.16,"end":72.66,"sentiment":"neutral","sentiment_score":-0.055066462606191635},{"text":"One 8.","start":73.6,"end":74.385,"sentiment":"neutral","sentiment_score":-0.019600220024585724},{"text":"No.","start":76.305,"end":76.625,"sentiment":"neutral","sentiment_score":-0.05803259462118149},{"text":"It's 20 one.","start":76.625,"end":88.465004,"sentiment":"neutral","sentiment_score":-0.023025672882795334},{"text":"Yep.","start":88.465004,"end":88.965004,"sentiment":"neutral","sentiment_score":0.01955757476389408}],"sentiment":"neutral","sentiment_score":-0.02522736764512956,"num_words":8,"start":72.16,"end":88.965004},{"sentences":[{"text":"Yep.","start":122.08,"end":122.58,"sentiment":"neutral","sentiment_score":0.03843946382403374},{"text":"Not really.","start":131.28,"end":132.02,"sentiment":"neutral","sentiment_score":-0.16146105527877808},{"text":"Yep.","start":149.86,"end":150.18,"sentiment":"neutral","sentiment_score":0.1920948028564453},{"text":"Alright.","start":150.18,"end":150.68,"sentiment":"neutral","sentiment_score":0.2355007529258728},{"text":"Mhmm.","start":164.39499,"end":164.89499,"sentiment":"neutral","sentiment_score":0.038502153009176254}],"sentiment":"neutral","sentiment_score":0.03026917700966199,"num_words":6,"start":122.08,"end":164.89499},{"sentences":[{"text":"Alright.","start":169.275,"end":169.775,"sentiment":"neutral","sentiment_score":0.22206008434295657},{"text":"Mhmm.","start":174.54,"end":175.04,"sentiment":"neutral","sentiment_score":0.17294979095458984},{"text":"Oh, wow.","start":206.88,"end":207.7,"sentiment":"neutral","sentiment_score":0.16316722333431244},{"text":"Mhmm.","start":221.155,"end":221.655,"sentiment":"neutral","sentiment_score":0.052944209426641464},{"text":"I'm not really sure.","start":238.29,"end":239.25,"sentiment":"neutral","sentiment_score":-0.2462625503540039}],"sentiment":"neutral","sentiment_score":-0.023417963335911434,"num_words":9,"start":169.275,"end":239.25},{"sentences":[{"text":"It's just that we were talking about because I'll because I know, like because I'm 65 this year, so now I'm coming to retirement age.","start":239.25,"end":246.345,"sentiment":"neutral","sentiment_score":-0.15007864207029342},{"text":"So yeah.","start":246.905,"end":247.80501,"sentiment":"neutral","sentiment_score":-0.1646902859210968},{"text":"So I'm not really quite sure.","start":248.745,"end":250.265,"sentiment":"neutral","sentiment_score":-0.23373362670342127},{"text":"So, like, if I because I know I can't get any pension, can I, until I'm 67, isn't it?","start":250.265,"end":255.16501,"sentiment":"neutral","sentiment_score":-0.11484365969112045},{"text":"Yep.","start":259.545,"end":260.045,"sentiment":"neutral","sentiment_score":-0.023511510342359543}],"sentiment":"neutral","sentiment_score":-0.14508093260931518,"num_words":53,"start":239.25,"end":260.045},{"sentences":[{"text":"Yep.","start":264.98,"end":265.48,"sentiment":"neutral","sentiment_score":-0.10280461609363556},{"text":"Yep.","start":303.245,"end":303.745,"sentiment":"neutral","sentiment_score":0.034494079649448395},{"text":"How much is that again?","start":337.07498,"end":338.115,"sentiment":"neutral","sentiment_score":-0.014054642990231514},{"text":"Sorry, city.","start":338.115,"end":338.935,"sentiment":"neutral","sentiment_score":-0.07896154373884201},{"text":"So is that, like, just that's not including the house.","start":343.05,"end":346.01,"sentiment":"neutral","sentiment_score":-0.08871361017227172}],"sentiment":"neutral","sentiment_score":-0.06229699687346032,"num_words":19,"start":264.98,"end":346.01},{"sentences":[{"text":"It said that that's just savings, is it?","start":346.01,"end":348.27,"sentiment":"neutral","sentiment_score":-0.03655627300031483},{"text":"We should be on the 400,000, I think.","start":360.235,"end":362.895,"sentiment":"neutral","sentiment_score":0.08581255935132504},{"text":"Maybe.","start":364.63498,"end":365.13498,"sentiment":"neutral","sentiment_score":0.03851233422756195},{"text":"No.","start":376.39,"end":376.71,"sentiment":"neutral","sentiment_score":-0.32312822341918945},{"text":"Because I've got passion there that because we've done we're getting us to put that $30,000 into his out of our savings into his tax.","start":376.71,"end":383.565,"sentiment":"neutral","sentiment_score":-0.2113725247979164}],"sentiment":"neutral","sentiment_score":-0.1203460167053827,"num_words":43,"start":346.01,"end":383.565},{"sentences":[{"text":"So we don't into his super so we don't pay tax on it.","start":383.565,"end":387.105,"sentiment":"neutral","sentiment_score":-0.2761797435008563},{"text":"So with that, is it worth us putting it all in it or just the 30,000?","start":388.845,"end":392.70502,"sentiment":"neutral","sentiment_score":0.04814218822866678},{"text":"Yeah.","start":408.34998,"end":408.84998,"sentiment":"neutral","sentiment_score":-0.04307939857244491},{"text":"Because I know that when they do the tax with that money that we've got in the in the account that gets money, I know when our account does it, she takes it off my tax.","start":409.085,"end":417.665,"sentiment":"neutral","sentiment_score":-0.15483754500746727},{"text":"So it's touching here.","start":417.725,"end":418.685,"sentiment":"neutral","sentiment_score":-0.014890369027853012}],"sentiment":"neutral","sentiment_score":-0.1213836306972163,"num_words":70,"start":383.565,"end":418.685},{"sentences":[{"text":"Is that why I've always got it that way last year I had to pay?","start":418.685,"end":422.14502,"sentiment":"neutral","sentiment_score":0.025947939852873483},{"text":"Oh, no.","start":440.725,"end":441.045,"sentiment":"neutral","sentiment_score":-0.14777563512325287},{"text":"It's not.","start":441.045,"end":441.785,"sentiment":"neutral","sentiment_score":-0.14929884672164917},{"text":"Yes.","start":476.715,"end":477.215,"sentiment":"neutral","sentiment_score":-0.00989454984664917},{"text":"Yep.","start":478.91998,"end":479.41998,"sentiment":"neutral","sentiment_score":0.10635024309158324}],"sentiment":"neutral","sentiment_score":-0.005165436792941321,"num_words":21,"start":418.685,"end":479.41998},{"sentences":[{"text":"Okay.","start":489.31998,"end":489.81998,"sentiment":"neutral","sentiment_score":-0.07445812225341797},{"text":"Well, exactly.","start":493.005,"end":493.745,"sentiment":"neutral","sentiment_score":-0.05296696163713932},{"text":"Third of October.","start":505.58002,"end":506.48,"sentiment":"neutral","sentiment_score":0.010797652726372084},{"text":"Yep.","start":508.62,"end":509.12,"sentiment":"neutral","sentiment_score":0.02779865823686123},{"text":"Yep.","start":512.14,"end":512.64,"sentiment":"neutral","sentiment_score":0.24862748384475708}],"sentiment":"neutral","sentiment_score":0.016053381841629744,"num_words":8,"start":489.31998,"end":512.64},{"sentences":[{"text":"Oh, yeah.","start":519.225,"end":519.46497,"sentiment":"neutral","sentiment_score":0.25706300139427185},{"text":"Well, I did because I drew it out for my for my name.","start":519.46497,"end":522.285,"sentiment":"neutral","sentiment_score":0.16151485019005263},{"text":"Yeah.","start":542.55,"end":543.05,"sentiment":"neutral","sentiment_score":0.16034111380577087},{"text":"Because, see, the money yeah, because the money that we've got in the bank account is Well, it's virtually yeah.","start":544.55,"end":560.22003,"sentiment":"neutral","sentiment_score":0.05445049060508609},{"text":"Well, that's virtually what it is.","start":560.22003,"end":561.42004,"sentiment":"neutral","sentiment_score":0.15501838425795236}],"sentiment":"neutral","sentiment_score":0.11412572111224845,"num_words":42,"start":519.225,"end":561.42004},{"sentences":[{"text":"It's virtually like so that we've got money behind us as well.","start":561.42004,"end":564.38,"sentiment":"neutral","sentiment_score":0.19192411502202353},{"text":"Because there's a 100 that will will most probably take some money out to get the same plantation shows.","start":564.38,"end":569.42004,"sentiment":"neutral","sentiment_score":0.03461901059276179},{"text":"So at the moment, there's a 177,000 in it.","start":569.42004,"end":572.4,"sentiment":"neutral","sentiment_score":0.01827483789788352},{"text":"Well, that isn't even with the money taken out of super for the super yet.","start":578.23505,"end":582.09503,"sentiment":"neutral","sentiment_score":-0.2194774438937505},{"text":"Because, see, with this one, if we this account that we've got, that, like, we accept this.","start":583.275,"end":588.93,"sentiment":"neutral","sentiment_score":0.1212410256266594}],"sentiment":"neutral","sentiment_score":0.026309165275759168,"num_words":72,"start":561.42004,"end":588.93},{"sentences":[{"text":"If we put $200 a month in there without touching it, then we get, like, interest each month.","start":588.93,"end":595.02997,"sentiment":"neutral","sentiment_score":0.15787620056006643},{"text":"We'll see.","start":595.97,"end":596.37,"sentiment":"neutral","sentiment_score":0.11676238849759102},{"text":"We put more in there.","start":596.37,"end":597.25,"sentiment":"neutral","sentiment_score":0.14267707169055938},{"text":"So, like, each month, the bonus interest is around about $700 a month that we're getting.","start":597.25,"end":601.91,"sentiment":"neutral","sentiment_score":0.2091911192983389},{"text":"Yep.","start":611.30505,"end":611.80505,"sentiment":"neutral","sentiment_score":0.042952727526426315}],"sentiment":"neutral","sentiment_score":0.1709212471864053,"num_words":42,"start":588.93,"end":611.80505},{"sentences":[{"text":"Yes.","start":613.86505,"end":614.34503,"sentiment":"neutral","sentiment_score":0.040525540709495544},{"text":"It's a growth saver account.","start":614.34503,"end":615.965,"sentiment":"neutral","sentiment_score":0.07066660486161709},{"text":"From George Suncorp.","start":618.42505,"end":619.885,"sentiment":"neutral","sentiment_score":0.005999877428015073},{"text":"Sorry.","start":619.945,"end":620.43,"sentiment":"neutral","sentiment_score":-0.051070693880319595},{"text":"It's a GrowthSaver 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that.","start":658.38,"end":660.32,"sentiment":"neutral","sentiment_score":0.03601106841649328},{"text":"Exactly.","start":663.435,"end":663.935,"sentiment":"neutral","sentiment_score":0.13913533091545105},{"text":"Yes.","start":672.955,"end":673.455,"sentiment":"neutral","sentiment_score":0.16759812831878662}],"sentiment":"neutral","sentiment_score":0.04470743612478395,"num_words":91,"start":634.715,"end":673.455},{"sentences":[{"text":"Yep.","start":712.98004,"end":713.48004,"sentiment":"neutral","sentiment_score":0.2749238610267639},{"text":"Oh, okay.","start":741.41003,"end":742.07,"sentiment":"neutral","sentiment_score":0.25811098515987396},{"text":"Cool.","start":743.09,"end":743.59,"sentiment":"positive","sentiment_score":0.571686327457428},{"text":"Yeah.","start":746.95496,"end":747.45496,"sentiment":"neutral","sentiment_score":0.296286940574646},{"text":"Yep.","start":747.75494,"end":748.25494,"sentiment":"neutral","sentiment_score":0.27953189611434937}],"sentiment":"neutral","sentiment_score":0.3231084992488225,"num_words":6,"start":712.98004,"end":748.25494},{"sentences":[{"text":"Yeah.","start":754.95496,"end":755.27496,"sentiment":"neutral","sentiment_score":0.12476419657468796},{"text":"Because I went yeah.","start":755.27496,"end":756.71497,"sentiment":"neutral","sentiment_score":0.030338672921061516},{"text":"Because when I went back to work after my niece, I was only doing four hours a day.","start":756.71497,"end":760.53,"sentiment":"neutral","sentiment_score":-0.028060955771555502},{"text":"And then they said, oh, we'll have to do that contract then do another one.","start":760.53,"end":763.57,"sentiment":"neutral","sentiment_score":-0.035205957914392155},{"text":"I'm an eye care.","start":763.57,"end":764.21,"sentiment":"neutral","sentiment_score":0.008038477186346427}],"sentiment":"neutral","sentiment_score":-0.017974137514275276,"num_words":42,"start":754.95496,"end":764.21},{"sentences":[{"text":"They said, well, do you wanna just stick on those hours too?","start":764.21,"end":766.53,"sentiment":"neutral","sentiment_score":0.0012711584568023682},{"text":"Which I went, twelve hours a week is plenty for me to do.","start":766.53,"end":769.09,"sentiment":"neutral","sentiment_score":-0.004860959230707242},{"text":"I said so I said, I'll just do twelve hours a week.","start":769.09,"end":771.33,"sentiment":"neutral","sentiment_score":-0.04206398424382011},{"text":"I don't wanna do any more than that.","start":771.33,"end":772.95,"sentiment":"neutral","sentiment_score":-0.13770472072064877},{"text":"Well, exactly.","start":776.42505,"end":777.085,"sentiment":"neutral","sentiment_score":-0.09730182588100433}],"sentiment":"neutral","sentiment_score":-0.03933931482916183,"num_words":47,"start":764.21,"end":777.085},{"sentences":[{"text":"Exactly.","start":778.905,"end":779.405,"sentiment":"neutral","sentiment_score":0.05069748684763909},{"text":"Let's try the CareClick.","start":787.945,"end":789.085,"sentiment":"neutral","sentiment_score":0.05591309443116188},{"text":"Yep.","start":806.945,"end":807.445,"sentiment":"positive","sentiment_score":0.35400503873825073},{"text":"Mhmm.","start":812.545,"end":813.045,"sentiment":"neutral","sentiment_score":0.018796082586050034},{"text":"Not really.","start":821.12,"end":821.76,"sentiment":"neutral","sentiment_score":-0.08736027404665947}],"sentiment":"neutral","sentiment_score":0.052492270867029824,"num_words":9,"start":778.905,"end":821.76},{"sentences":[{"text":"I was just gonna work until I didn't wanna do it anymore, which would probably only be well, it'll probably only have been overseas.","start":821.76,"end":829.38,"sentiment":"neutral","sentiment_score":-0.13411295848588148},{"text":"Well, I'm hoping that they're gonna close our store down and make them redone.","start":829.52,"end":832.98,"sentiment":"neutral","sentiment_score":-0.09262793431324619},{"text":"That'll be even better.","start":833.025,"end":837.66504,"sentiment":"neutral","sentiment_score":0.19132555648684502},{"text":"I'm hoping that they'll do that.","start":837.66504,"end":839.445,"sentiment":"neutral","sentiment_score":-0.10759597520033519},{"text":"Probably.","start":848.86005,"end":849.26,"sentiment":"neutral","sentiment_score":0.049423765391111374}],"sentiment":"neutral","sentiment_score":-0.0887010600797984,"num_words":49,"start":821.76,"end":849.26},{"sentences":[{"text":"Or sooner.","start":849.26,"end":850.16003,"sentiment":"neutral","sentiment_score":0.10968342795968056},{"text":"Okay.","start":854.06,"end":854.56,"sentiment":"neutral","sentiment_score":0.03157462179660797},{"text":"Mhmm.","start":874.49,"end":874.99,"sentiment":"neutral","sentiment_score":0.012352904304862022},{"text":"Definitely.","start":896.535,"end":897.035,"sentiment":"neutral","sentiment_score":0.13265696167945862},{"text":"Yeah.","start":897.415,"end":897.915,"sentiment":"neutral","sentiment_score":0.07030801475048065}],"sentiment":"neutral","sentiment_score":0.07770989307512839,"num_words":6,"start":849.26,"end":897.915},{"sentences":[{"text":"I'd rather say about I mean, like, because if you put in body core pin rates or things like that, and then, like, you'd want for, like, when we travel and everything.","start":902.56,"end":911.54,"sentiment":"neutral","sentiment_score":0.023721926496364176},{"text":"So probably about, yeah, maybe $121,300 per week.","start":911.6,"end":916.36505,"sentiment":"neutral","sentiment_score":-0.01571202222839929},{"text":"Yep.","start":938.82,"end":939.32,"sentiment":"neutral","sentiment_score":0.1495618224143982},{"text":"Of course.","start":954.695,"end":955.435,"sentiment":"neutral","sentiment_score":0.10053472220897675},{"text":"Definitely.","start":959.99,"end":960.49,"sentiment":"neutral","sentiment_score":0.15212184190750122}],"sentiment":"neutral","sentiment_score":0.02582178588173437,"num_words":44,"start":902.56,"end":960.49},{"sentences":[{"text":"Whatever we can get so that we can get everything that you just said.","start":963.67,"end":967.52997,"sentiment":"neutral","sentiment_score":0.18566025953207696},{"text":"Yep.","start":973.27,"end":973.725,"sentiment":"positive","sentiment_score":0.5766564011573792},{"text":"Yep.","start":984.045,"end":984.545,"sentiment":"positive","sentiment_score":0.4057859778404236},{"text":"Well, exactly.","start":984.685,"end":985.425,"sentiment":"neutral","sentiment_score":0.33069321513175964},{"text":"Yeah.","start":985.485,"end":985.805,"sentiment":"positive","sentiment_score":0.39762431383132935}],"sentiment":"neutral","sentiment_score":0.24424719771272257,"num_words":19,"start":963.67,"end":985.805},{"sentences":[{"text":"We are debt free.","start":985.805,"end":986.685,"sentiment":"positive","sentiment_score":0.47621670365333557},{"text":"So yeah.","start":986.685,"end":987.595,"sentiment":"positive","sentiment_score":0.3429194837808609},{"text":"Yeah.","start":992.10004,"end":992.42004,"sentiment":"neutral","sentiment_score":0.14450395107269287},{"text":"Exactly.","start":992.42004,"end":992.92004,"sentiment":"neutral","sentiment_score":0.18846631050109863},{"text":"Yeah.","start":993.22003,"end":993.72003,"sentiment":"neutral","sentiment_score":0.12586285173892975}],"sentiment":"positive","sentiment_score":0.3388376550541984,"num_words":9,"start":985.805,"end":993.72003},{"sentences":[{"text":"Mhmm.","start":1014.565,"end":1015.065,"sentiment":"neutral","sentiment_score":0.08160074800252914},{"text":"Mhmm.","start":1037.845,"end":1038.345,"sentiment":"neutral","sentiment_score":0.2508482336997986},{"text":"Yep.","start":1048.0901,"end":1048.5901,"sentiment":"neutral","sentiment_score":0.3141353726387024},{"text":"Mhmm.","start":1050.41,"end":1050.91,"sentiment":"positive","sentiment_score":0.3712726831436157},{"text":"Mhmm.","start":1063.475,"end":1063.975,"sentiment":"neutral","sentiment_score":0.10674159228801729}],"sentiment":"neutral","sentiment_score":0.22491972595453263,"num_words":5,"start":1014.565,"end":1063.975},{"sentences":[{"text":"Yep.","start":1077.19,"end":1077.69,"sentiment":"neutral","sentiment_score":0.08759534358978271},{"text":"Mhmm.","start":1099.77,"end":1100.27,"sentiment":"neutral","sentiment_score":0.02525478787720203},{"text":"Yep.","start":1102.25,"end":1102.73,"sentiment":"neutral","sentiment_score":0.13760443031787872},{"text":"Yep.","start":1102.73,"end":1103.23,"sentiment":"neutral","sentiment_score":0.13577619194984436},{"text":"Mhmm.","start":1108.81,"end":1109.31,"sentiment":"neutral","sentiment_score":0.08548495173454285}],"sentiment":"neutral","sentiment_score":0.09434314109385014,"num_words":5,"start":1077.19,"end":1109.31},{"sentences":[{"text":"Yep.","start":1132.99,"end":1133.49,"sentiment":"neutral","sentiment_score":0.12370096892118454},{"text":"Mhmm.","start":1146.225,"end":1146.725,"sentiment":"neutral","sentiment_score":0.06435587257146835},{"text":"Yep.","start":1159.8201,"end":1160.3201,"sentiment":"neutral","sentiment_score":0.11263804137706757},{"text":"Yep.","start":1173.0549,"end":1173.5549,"sentiment":"neutral","sentiment_score":0.1530870646238327},{"text":"Okay.","start":1174.1749,"end":1174.6749,"sentiment":"neutral","sentiment_score":0.143103688955307}],"sentiment":"neutral","sentiment_score":0.11937712728977204,"num_words":5,"start":1132.99,"end":1174.6749},{"sentences":[{"text":"Yep.","start":1177.12,"end":1177.62,"sentiment":"neutral","sentiment_score":0.0887700766324997},{"text":"Kind of makes sense.","start":1180.24,"end":1181.4601,"sentiment":"neutral","sentiment_score":-0.07171413209289312},{"text":"Yep.","start":1187.565,"end":1188.065,"sentiment":"neutral","sentiment_score":0.17821292579174042},{"text":"Okay.","start":1191.245,"end":1191.745,"sentiment":"neutral","sentiment_score":-0.013209179043769836},{"text":"Yeah.","start":1198.9249,"end":1199.4249,"sentiment":"neutral","sentiment_score":-0.059709832072258}],"sentiment":"neutral","sentiment_score":-0.011599067132920027,"num_words":8,"start":1177.12,"end":1199.4249},{"sentences":[{"text":"It's not gonna happen.","start":1199.91,"end":1212.0801,"sentiment":"neutral","sentiment_score":-0.2658625431358814},{"text":"Yeah.","start":1212.0801,"end":1212.5801,"sentiment":"neutral","sentiment_score":-0.06234847754240036},{"text":"Definitely.","start":1222.3251,"end":1222.8251,"sentiment":"positive","sentiment_score":0.6359080076217651},{"text":"Definitely.","start":1223.285,"end":1223.785,"sentiment":"positive","sentiment_score":0.5719336271286011},{"text":"Mhmm.","start":1224.72,"end":1225.22,"sentiment":"positive","sentiment_score":0.3921912908554077}],"sentiment":"neutral","sentiment_score":0.059279284439980984,"num_words":8,"start":1199.91,"end":1225.22},{"sentences":[{"text":"Well, probably so how do we go about doing what you just spoke about?","start":1237.36,"end":1241.105,"sentiment":"neutral","sentiment_score":0.08698181541902679},{"text":"Like, how do I go about doing that?","start":1241.105,"end":1243.445,"sentiment":"neutral","sentiment_score":0.07361161522567272},{"text":"Yep.","start":1274.885,"end":1275.385,"sentiment":"neutral","sentiment_score":0.0934583768248558},{"text":"Mhmm.","start":1287.32,"end":1287.82,"sentiment":"neutral","sentiment_score":0.062365561723709106},{"text":"Yep.","start":1294.885,"end":1295.385,"sentiment":"neutral","sentiment_score":0.15312325954437256}],"sentiment":"neutral","sentiment_score":0.08462342143058776,"num_words":25,"start":1237.36,"end":1295.385},{"sentences":[{"text":"Okay.","start":1303.125,"end":1303.445,"sentiment":"neutral","sentiment_score":0.2062690407037735},{"text":"Not a problem.","start":1303.445,"end":1304.1649,"sentiment":"positive","sentiment_score":0.3555006484190623},{"text":"Sounds good.","start":1304.1649,"end":1304.88,"sentiment":"positive","sentiment_score":0.6359407007694244},{"text":"Oh, because we, yeah, because we like traveling.","start":1315.12,"end":1317.4401,"sentiment":"neutral","sentiment_score":0.14167856611311436},{"text":"Like, we only stop because by now so now my needs are better.","start":1317.4401,"end":1320.465,"sentiment":"neutral","sentiment_score":0.053277814330962986}],"sentiment":"neutral","sentiment_score":0.16187750010026825,"num_words":27,"start":1303.125,"end":1320.465},{"sentences":[{"text":"We're gonna start traveling again.","start":1320.465,"end":1322.1649,"sentiment":"neutral","sentiment_score":0.12907240092754363},{"text":"Well, we always used to go away, like, once a year for at least four to six weeks.","start":1325.1849,"end":1330.085,"sentiment":"neutral","sentiment_score":-0.005155034466750092},{"text":"Yep.","start":1334.3049,"end":1334.8049,"sentiment":"neutral","sentiment_score":0.19899392127990723},{"text":"Anywhere over the world, I have to say.","start":1340.47,"end":1342.65,"sentiment":"neutral","sentiment_score":0.1401446172967553},{"text":"That's right.","start":1351.105,"end":1351.745,"sentiment":"neutral","sentiment_score":0.1334122121334076}],"sentiment":"neutral","sentiment_score":0.06292784318108768,"num_words":34,"start":1320.465,"end":1351.745},{"sentences":[{"text":"See it.","start":1351.745,"end":1352.145,"sentiment":"neutral","sentiment_score":0.17148668318986893},{"text":"I mean, like, we've done Europe and all that, so it's probably just places like all over there.","start":1352.145,"end":1356.865,"sentiment":"neutral","sentiment_score":0.1096797962155607},{"text":"So what we eventually wanna do is we wanna go to Vietnam for three months, get a place in Vietnam, and then virtually go from Vietnam across to all of, like, The Philippines and not to all the other places because it's easier to travel from Vietnam, and it's cheaper.","start":1356.865,"end":1371.73,"sentiment":"neutral","sentiment_score":0.1644361289590597},{"text":"So that's what we virtually wanna eventually not do in three months.","start":1371.95,"end":1375.275,"sentiment":"neutral","sentiment_score":-0.1926157046109438},{"text":"Like, not in three months, but, like, four, three months.","start":1375.915,"end":1378.655,"sentiment":"neutral","sentiment_score":-0.06336187534034252}],"sentiment":"neutral","sentiment_score":0.08254357540737027,"num_words":92,"start":1351.745,"end":1378.655},{"sentences":[{"text":"But that'll be well, towards being taken Darren's most probably gonna end up getting to retirement age because I'd rather do it sooner.","start":1379.115,"end":1389.1951,"sentiment":"neutral","sentiment_score":-0.019014731264652928},{"text":"But he's like, well, no.","start":1389.1951,"end":1391.24,"sentiment":"neutral","sentiment_score":-0.10545341223478318},{"text":"I've gotta keep working.","start":1391.24,"end":1392.46,"sentiment":"neutral","sentiment_score":-0.2657248377799988},{"text":"And so I thought, well, no.","start":1392.6,"end":1393.3999,"sentiment":"neutral","sentiment_score":-0.13587391252319017},{"text":"You don't.","start":1393.3999,"end":1394.0599,"sentiment":"neutral","sentiment_score":-0.22388634085655212}],"sentiment":"neutral","sentiment_score":-0.08226303470582934,"num_words":40,"start":1379.115,"end":1394.0599},{"sentences":[{"text":"But anyway yep.","start":1394.2799,"end":1402.7799,"sentiment":"neutral","sentiment_score":-0.011213614294926325},{"text":"Yeah.","start":1416.69,"end":1417.09,"sentiment":"neutral","sentiment_score":0.07438725978136063},{"text":"Because I said, Joan, I said because John goes, oh, you know, I've gotta work.","start":1417.09,"end":1419.8099,"sentiment":"neutral","sentiment_score":-0.053598726416627565},{"text":"So I know you don't.","start":1419.8099,"end":1420.61,"sentiment":"neutral","sentiment_score":-0.1494303196668625},{"text":"I said, like I said, the other thing I said, we wanna do things right now, not wait until, like, you're too old to do things.","start":1420.61,"end":1426.5299,"sentiment":"neutral","sentiment_score":-0.0702751656062901}],"sentiment":"neutral","sentiment_score":-0.06675080766901374,"num_words":50,"start":1394.2799,"end":1426.5299},{"sentences":[{"text":"I said, what's the point of having all this money if we can't do anything good because we're too old to do anything.","start":1426.5299,"end":1432.595,"sentiment":"neutral","sentiment_score":-0.2772968024339365},{"text":"So No.","start":1432.895,"end":1450.6201,"sentiment":"neutral","sentiment_score":-0.07305191084742546},{"text":"You can't.","start":1450.6201,"end":1451.3601,"sentiment":"neutral","sentiment_score":-0.15564743429422379},{"text":"You can't buy over there.","start":1451.42,"end":1452.7201,"sentiment":"neutral","sentiment_score":-0.15627140402793885},{"text":"Oh, no.","start":1452.8601,"end":1453.26,"sentiment":"neutral","sentiment_score":-0.16454481333494186}],"sentiment":"neutral","sentiment_score":-0.23369622920804164,"num_words":34,"start":1426.5299,"end":1453.26},{"sentences":[{"text":"We will never sell this place.","start":1453.26,"end":1454.7201,"sentiment":"neutral","sentiment_score":-0.21725179006656012},{"text":"No.","start":1456.8601,"end":1457.02,"sentiment":"neutral","sentiment_score":0.03437236696481705},{"text":"It'll be virtually that we just go on holiday for three months.","start":1457.02,"end":1459.7401,"sentiment":"neutral","sentiment_score":0.020870179558793705},{"text":"So, like, we'll go there.","start":1459.7401,"end":1461.04,"sentiment":"neutral","sentiment_score":0.05067809410393238},{"text":"We'll live overseas for three months, and then we'll come back here.","start":1461.105,"end":1464.005,"sentiment":"neutral","sentiment_score":0.06622582705070575}],"sentiment":"neutral","sentiment_score":0.0008167826777531041,"num_words":36,"start":1453.26,"end":1464.005},{"sentences":[{"text":"Then we'll do it again.","start":1464.065,"end":1465.025,"sentiment":"neutral","sentiment_score":0.03232412450015545},{"text":"We'll go over somewhere else for three months and come back.","start":1465.025,"end":1467.4249,"sentiment":"neutral","sentiment_score":0.04332572357221083},{"text":"So, virtually, like, I wanna do it so we can actually go away and have, like, a holiday for three months of the year.","start":1467.4249,"end":1472.325,"sentiment":"neutral","sentiment_score":0.10602038679644465},{"text":"Yep.","start":1479.7,"end":1480.2,"sentiment":"neutral","sentiment_score":0.1538902372121811},{"text":"Not 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yeah.","start":2046.04,"end":2046.84,"sentiment":"neutral","sentiment_score":-0.10557380840182304}],"sentiment":"neutral","sentiment_score":-0.03671694358285421,"num_words":39,"start":2035.9601,"end":2046.84},{"sentences":[{"text":"Okay.","start":2046.84,"end":2047.16,"sentiment":"neutral","sentiment_score":0.002446003258228302},{"text":"Whatever you think I should have.","start":2047.16,"end":2048.78,"sentiment":"neutral","sentiment_score":-0.09247549250721931},{"text":"That's what I was doing with them.","start":2048.885,"end":2050.165,"sentiment":"neutral","sentiment_score":-0.06058742318834577},{"text":"I just did.","start":2050.165,"end":2054.585,"sentiment":"neutral","sentiment_score":-0.01448361078898112},{"text":"Do I or did 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recommend?","start":3995.44,"end":3996.58,"sentiment":"neutral","sentiment_score":0.05913595035672188},{"text":"I'll do that then.","start":3998.8,"end":3999.86,"sentiment":"neutral","sentiment_score":0.26469550281763077}],"sentiment":"neutral","sentiment_score":0.12509291743238768,"num_words":12,"start":3963.88,"end":3999.86},{"sentences":[{"text":"If that's what you recommend, we'll do what you said.","start":4002.3552,"end":4004.935,"sentiment":"positive","sentiment_score":0.35810745060443877},{"text":"Okay.","start":4013.1501,"end":4013.6501,"sentiment":"neutral","sentiment_score":0.24130965769290924},{"text":"Well, I work on Tuesday, Thursday, Saturday.","start":4029.4148,"end":4033.275,"sentiment":"neutral","sentiment_score":0.035092651577932496},{"text":"So if you wanna do Monday, Wednesday, Friday, any of those days, because that way, I'm at home.","start":4033.335,"end":4038.075,"sentiment":"neutral","sentiment_score":0.05412603335248099},{"text":"Yes.","start":4042.9102,"end":4043.1501,"sentiment":"neutral","sentiment_score":0.008782908320426941}],"sentiment":"neutral","sentiment_score":0.13651579009318673,"num_words":37,"start":4002.3552,"end":4043.1501},{"sentences":[{"text":"You want me to come into the office so I can do that?","start":4043.1501,"end":4045.33,"sentiment":"neutral","sentiment_score":0.015451390582781572},{"text":"Yep.","start":4048.6702,"end":4049.1702,"sentiment":"positive","sentiment_score":0.5281431674957275},{"text":"Yep.","start":4056.4302,"end":4056.9302,"sentiment":"neutral","sentiment_score":0.21108278632164},{"text":"Yep.","start":4063.365,"end":4063.865,"sentiment":"neutral","sentiment_score":0.12674427032470703},{"text":"From rest.","start":4068.485,"end":4069.385,"sentiment":"neutral","sentiment_score":0.03341967426240444}],"sentiment":"neutral","sentiment_score":0.0629820916801691,"num_words":18,"start":4043.1501,"end":4069.385},{"sentences":[{"text":"Yeah.","start":4071.44,"end":4071.76,"sentiment":"neutral","sentiment_score":0.06558563560247421},{"text":"I got the yeah.","start":4071.76,"end":4072.72,"sentiment":"neutral","sentiment_score":0.062397134490311146},{"text":"Madison.","start":4072.72,"end":4073.22,"sentiment":"neutral","sentiment_score":0.05857323482632637},{"text":"I got them all and sent them to Madison.","start":4073.28,"end":4075.3,"sentiment":"neutral","sentiment_score":0.05486706313159731},{"text":"I thought she would have given them to you because I thought she said she was gonna give them to you.","start":4076.0798,"end":4079.6199,"sentiment":"neutral","sentiment_score":0.04157398889462153}],"sentiment":"neutral","sentiment_score":0.04835013176004092,"num_words":36,"start":4071.44,"end":4079.6199},{"sentences":[{"text":"Yeah.","start":4089.385,"end":4089.865,"sentiment":"neutral","sentiment_score":0.02512500062584877},{"text":"I was Madison told me what I had to ask them, and I asked them every question in the charts, and I wrote down everything they said.","start":4089.865,"end":4096.365,"sentiment":"neutral","sentiment_score":-0.014641737151477072},{"text":"Yeah.","start":4096.9004,"end":4097.22,"sentiment":"neutral","sentiment_score":0.09290917217731476},{"text":"And I emailed them all to her.","start":4097.22,"end":4102.6406,"sentiment":"neutral","sentiment_score":0.19527382869273424},{"text":"No.","start":4105.9404,"end":4106.02,"sentiment":"neutral","sentiment_score":-0.17751945555210114}],"sentiment":"neutral","sentiment_score":0.024651476081360032,"num_words":37,"start":4089.385,"end":4106.02},{"sentences":[{"text":"It's just an email in writing.","start":4106.02,"end":4107.56,"sentiment":"neutral","sentiment_score":-0.13127058247725168},{"text":"Wrist won't do a statement because I asked them that, and they said all they can do is tell me over the phone.","start":4115.6846,"end":4120.105,"sentiment":"neutral","sentiment_score":-0.3225703939147618},{"text":"I don't know when they send their statements out.","start":4120.485,"end":4122.3247,"sentiment":"neutral","sentiment_score":-0.30025218592749703},{"text":"I actually, I don't think I can get statements from Wrist.","start":4122.3247,"end":4125.385,"sentiment":"negative","sentiment_score":-0.3576882671226155},{"text":"Because when I asked so when I asked her about it, and I said, oh, can you email them to me?","start":4135.1,"end":4139.595,"sentiment":"neutral","sentiment_score":-0.138762751860278}],"sentiment":"neutral","sentiment_score":-0.25368001365235876,"num_words":70,"start":4106.02,"end":4139.595},{"sentences":[{"text":"She said, we can't email them.","start":4139.595,"end":4140.795,"sentiment":"neutral","sentiment_score":-0.23018233478069305},{"text":"She said, I can tell you over the phone.","start":4140.795,"end":4142.235,"sentiment":"neutral","sentiment_score":-0.18256662454870012},{"text":"I went, oh, okay.","start":4142.235,"end":4143.695,"sentiment":"neutral","sentiment_score":-0.1450122557580471},{"text":"So I had to sit there and write everything down that she was telling me.","start":4143.915,"end":4147.055,"sentiment":"neutral","sentiment_score":-0.32325222591559094},{"text":"Yeah.","start":4149.835,"end":4150.335,"sentiment":"neutral","sentiment_score":-0.20477616786956787}],"sentiment":"neutral","sentiment_score":-0.2473657774073737,"num_words":35,"start":4139.595,"end":4150.335},{"sentences":[{"text":"Yep.","start":4162.21,"end":4162.69,"sentiment":"neutral","sentiment_score":0.12853120267391205},{"text":"Well, as I said, I asked her and she went, I can only tell you over the phone.","start":4162.69,"end":4166.145,"sentiment":"neutral","sentiment_score":0.02585550407982535},{"text":"So I said when she was telling me that Madison sent me a list of what I had to ask her.","start":4166.145,"end":4170.325,"sentiment":"neutral","sentiment_score":0.01439311204566842},{"text":"So I was asking her that and as she was telling me, I was writing it down and then I sent that to Madison in a in an email.","start":4170.3853,"end":4176.485,"sentiment":"neutral","sentiment_score":0.021402516177502173},{"text":"Yep.","start":4182.9297,"end":4183.4297,"sentiment":"neutral","sentiment_score":0.15341180562973022}],"sentiment":"neutral","sentiment_score":0.023861005769244263,"num_words":70,"start":4162.21,"end":4183.4297},{"sentences":[{"text":"No worries.","start":4198.245,"end":4198.985,"sentiment":"neutral","sentiment_score":0.18600988388061523},{"text":"Very good.","start":4203.205,"end":4203.945,"sentiment":"neutral","sentiment_score":0.32451286911964417},{"text":"So what I'll do is so I'll see you next Wednesday.","start":4205.925,"end":4209.5703,"sentiment":"neutral","sentiment_score":0.21262816949324173},{"text":"The week after.","start":4213.47,"end":4214.35,"sentiment":"neutral","sentiment_score":-0.02005291481812795},{"text":"Yep.","start":4214.35,"end":4214.83,"sentiment":"neutral","sentiment_score":0.06517954915761948}],"sentiment":"neutral","sentiment_score":0.17710400921733757,"num_words":19,"start":4198.245,"end":4214.83},{"sentences":[{"text":"That's it.","start":4214.83,"end":4215.6504,"sentiment":"neutral","sentiment_score":0.08933307603001595},{"text":"Whichever, just let me know, yep, when it is, and I'll be there.","start":4215.87,"end":4219.81,"sentiment":"neutral","sentiment_score":0.1769254648914704},{"text":"No worries.","start":4234.709,"end":4235.189,"sentiment":"neutral","sentiment_score":0.31599754095077515},{"text":"Thanks, Debbie.","start":4235.189,"end":4236.009,"sentiment":"positive","sentiment_score":0.5917427241802216},{"text":"Okay.","start":4237.4287,"end":4237.7485,"sentiment":"neutral","sentiment_score":0.19386771321296692}],"sentiment":"neutral","sentiment_score":0.22440227195620538,"num_words":20,"start":4214.83,"end":4237.7485},{"sentences":[{"text":"Bye.","start":4237.7485,"end":4238.2485,"sentiment":"neutral","sentiment_score":-0.0554928220808506}],"sentiment":"neutral","sentiment_score":-0.0554928220808506,"num_words":1,"start":4237.7485,"end":4238.2485}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Yeah. I got Hello?\n\nChannel 0: Now you said\n\nChannel 1: Hi,\n\nChannel 0: he's got\n\nChannel 1: Savvy.\n\nChannel 0: up. How\n\nChannel 1: How\n\nChannel 0: are\n\nChannel 1: are\n\nChannel 0: you?\n\nChannel 1: you? I'm\n\nChannel 0: I'm\n\nChannel 1: good.\n\nChannel 0: doing well. That's good. That's good. I understand\n\nChannel 1: Okay.\n\nChannel 0: you're\n\nChannel 1: You're not calling me.\n\nChannel 0: you're seeking some financial advice. We must have done\n\nChannel 1: Yes.\n\nChannel 0: a good job with Darren.\n\nChannel 1: Yes.\n\nChannel 0: Alright. Well, I guess, we'll start off with how can we help.\n\nChannel 1: Okay. Well, because you were talking about something before when you were talking down about with mine as well.\n\nChannel 0: Yeah. Possibly. It depends on your so I'm assuming just from memory, I think it has to do with that transition to retirement strategy\n\nChannel 1: Yep.\n\nChannel 0: or spousal contributions.\n\nChannel 1: Well, my hours have cut right down now that I'm only doing twelve hours a week.\n\nChannel 0: Okay. How much do you think that's gonna be a a wage wise just gross over the year?\n\nChannel 1: Okay. I can tell you exactly how much that's gonna be. Give me one\n\nChannel 0: You're alright. Take your time.\n\nChannel 1: second.\n\nChannel 0: All good.\n\nChannel 1: It's not much. That's for sure.\n\nChannel 0: Is it under $18,200?\n\nChannel 1: 18 or 18.\n\nChannel 0: 18.\n\nChannel 1: No. One\n\nChannel 0: Yeah.\n\nChannel 1: 8.\n\nChannel 0: Yes. Correct.\n\nChannel 1: No. It's 20\n\nChannel 0: Twenty one? Okay. So let me just write that down. So so the reason why I asked that question is because $18,200 is what we call tax free threshold.\n\nChannel 1: one. Yep.\n\nChannel 0: So anything between 18,200 and $1 up to 45,000, you go into the next tax bracket and then so on and so forth. So when you're looking at strategies like TTR strategies or, you know, something a little bit more complex like Darren's, the only the only benefit that you get in a tax scenario with the TTR transition to retirement strategy, I like that, is the gap between 15% and what is or what your marginal tax rate is.\n\nChannel 1: Yep.\n\nChannel 0: So if you're on 21,000 a year and I might reflect the tax free threshold. Do you know what that means? Or\n\nChannel 1: Not really.\n\nChannel 0: okay. So every dollar, if you work during the year, the financial year, and you, you know, you earn anything under in total gross, anything under $18,200, your marginal tax rate is zero. Okay? So you don't pay any tax tax rate.\n\nChannel 1: Yep.\n\nChannel 0: But\n\nChannel 1: Alright.\n\nChannel 0: every dollar you put every dollar over 18,200, say 18,201, on that $1, you will pay 17¢ per dollar including Medicare Levy. Okay. So you know, if you but if you\n\nChannel 1: Mhmm.\n\nChannel 0: put that same dollar towards superannuation, you only pay 15% tax.\n\nChannel 1: Alright.\n\nChannel 0: So there's a grand saving of, you know, 2% of tax, essentially, or three\n\nChannel 1: Mhmm.\n\nChannel 0: percent tax. So if I have a look at that, the difference in what your marginal tax rate is from tax free, because that's always best, is 2,800, and that comes up by 0.02 Not divide. One second. Sorry. Two eight zero zero times five zero zero.\n\nSo if you go through all the effort of setting up a similar strategy, you will save a grand total of $56 a year in tax.\n\nChannel 1: Oh, wow.\n\nChannel 0: Yeah. So so there are but but don't fret. So GTR is probably not for you. But don't fret. There are there are lots of weird and wonderful strategies out there, especially being in your agent stage.\n\nChannel 1: Mhmm.\n\nChannel 0: Okay. So I guess I wanna start off with have we talking about sponsor contributions? But just just just never mind that for the moment. What do you wanna achieve and by when?\n\nChannel 1: I'm not really sure. It's just that we were talking about because I'll because I know, like because I'm 65 this year, so now I'm coming to retirement age. So yeah. So I'm not really quite sure. So,\n\nChannel 0: Okay.\n\nChannel 1: like, if\n\nChannel 0: Okay.\n\nChannel 1: I because I know I can't get any pension, can I, until I'm 67, isn't it?\n\nChannel 0: Correct. It used to be 66.5 years old, but now 67. You'll get\n\nChannel 1: Yep.\n\nChannel 0: the government pension and your primary place of residence is exempt From\n\nChannel 1: Yep.\n\nChannel 0: the there's there's three kind of rulings with that. There's the income test, the asset test, and the work test. So if you if you work less than it sounds like you do, but if you work less than forty consecutive hours in a month, like, in a consecutive month, then you pass the work test if you don't work more than forty hours in one month. K? That's the work test.\n\nThe asset test depends. So there's lots of weird ones for numbers that you throw out there, but for a couple, your asset exclude which is all your stuff pulled together,\n\nChannel 1: Yep.\n\nChannel 0: excluding your primary place of residence, excluding your home, the apartment. If you pull everything together, and it's less than, I believe, for a couple of you when you reach that agent stage. I could be wrong, but you can Google it. For a couple, if you have a combined pool assets assets of, I think it's less than 425,000 for 250. They change it all the time, but that's the last time I remember.\n\nI saw it, hopefully, this financial year. Then does that sound about you guys or\n\nChannel 1: How much is that again? Sorry, city.\n\nChannel 0: $425,002,250 dollars.\n\nChannel 1: So is that, like, just that's not including the house. It said that that's just savings,\n\nChannel 0: Every\n\nChannel 1: is it?\n\nChannel 0: well, that's everything combined excluding your house. So your cars, your jewelry, your furniture, your superannuation, your any investments.\n\nChannel 1: We should be on the 400,000, I think.\n\nChannel 0: Okay. So\n\nChannel 1: Maybe.\n\nChannel 0: how much let's let's follow-up with how much you're gonna take it. Is it all in superannuation? Do you still have some cash in?\n\nChannel 1: No. Because I've got passion there that because we've done we're getting us to put that $30,000 into his out of our savings into his tax. So we don't into his super so we don't pay tax on it.\n\nChannel 0: Yep. Correct.\n\nChannel 1: So with that, is it worth us putting it all in it or just the 30,000?\n\nChannel 0: Well, yeah, that's the thing. So we calculated it exact in Darren's strategy. Because if you put anything more, then he will exceed certain caps, and then you get taxed at not just his highest marginal tax rate, the highest marginal tax\n\nChannel 1: Yeah.\n\nChannel 0: rate.\n\nChannel 1: Because I know that when they do the tax with that money that we've got in the in the account that gets money, I know when our account does it, she takes it off my tax. So it's touching here. Is that why I've always got it that way\n\nChannel 0: Yeah.\n\nChannel 1: last year I had to pay?\n\nChannel 0: Well, we're gonna do we're gonna do some sexy stuff with that. We're gonna do what's called a notice of intent to claim. So all of that money, we're gonna essentially tell the ATO, look, That money isn't from the proceeds that came from the sale of the first time or\n\nChannel 1: Oh,\n\nChannel 0: whatever\n\nChannel 1: no. It's\n\nChannel 0: those\n\nChannel 1: not.\n\nChannel 0: supposed to be. So whatever your cash savings are, whatever it might be, if you can you've got some cash savings in the bank, we're gonna contribute at the super, but then draw it out straight away. But the catch is we're gonna do what's called a notice of intent to claim. And what you get is the difference between the marginal tax rate of Darren, which is 30 I believe it's 32 and a half plus Medicare. It'll be 34.5¢ to every dollar on that 30,000.\n\nWe're only paying 15% on that. And then we're gonna do a intent to claim so that he can deduct it from his taxable income, the difference between\n\nChannel 1: Yes.\n\nChannel 0: those two, which is a lot. But\n\nChannel 1: Yep.\n\nChannel 0: that's that's the sexy stuff. So his strategy is kinda locked in. So to answer your question, no. You can't put more towards Darren Super, but you can for yourself.\n\nChannel 1: Okay.\n\nChannel 0: But there's no point.\n\nChannel 1: Well, exactly.\n\nChannel 0: Yeah. Right. Oh, actually, there might be. Your birthday just correct me if I'm wrong memories. Third or the fourth, it was one day less than mine.\n\nSo the third of the\n\nChannel 1: Third\n\nChannel 0: tenth.\n\nChannel 1: of October.\n\nChannel 0: Right? Yeah. Third of the tenth. Right?\n\nChannel 1: Yep.\n\nChannel 0: And you're gonna turn 65 years old?\n\nChannel 1: Yep.\n\nChannel 0: That means that you will be able to draw out as much as you like on your super fund\n\nChannel 1: Oh, yeah. Well, I did\n\nChannel 0: whilst\n\nChannel 1: because\n\nChannel 0: the\n\nChannel 1: I drew it out for my for my name.\n\nChannel 0: correct. Correct. I'm just trying to think of the show. Let's go through the process. I'll show you a little bit more about us and I'll get I just need to do a little bit more about understanding what you're looking for.\n\nI'm sure that we'll be able to work something up. But yeah. I've I've got a bit of an idea in my head just by knowing Darren's situation already.\n\nChannel 1: Yeah.\n\nChannel 0: Okay? Beautiful.\n\nChannel 1: Because,\n\nChannel 0: So let's\n\nChannel 1: see,\n\nChannel 0: get\n\nChannel 1: the money\n\nChannel 0: back to\n\nChannel 1: yeah, because\n\nChannel 0: sorry.\n\nChannel 1: the money that we've got in the bank account is\n\nChannel 0: And how do you feel about that money? Is that, like, your safety net? Do you\n\nChannel 1: Well,\n\nChannel 0: not\n\nChannel 1: it's virtually\n\nChannel 0: wanna\n\nChannel 1: yeah. Well, that's virtually what\n\nChannel 0: Yep.\n\nChannel 1: it is. It's virtually like so that we've got money behind us as well. Because there's a 100 that will will most probably take some money out to get the same plantation shows. So at the moment, there's a 177,000 in it.\n\nChannel 0: Okay. Okay. Perfect. And all the rest has been contributing to suit. Right?\n\nChannel 1: Well, that isn't even with the money taken out of super for the super yet.\n\nChannel 0: Okay. Gotcha.\n\nChannel 1: Because,\n\nChannel 0: Gotcha.\n\nChannel 1: see, with this one, if we this account that we've got, that, like, we accept this. If we put $200 a month in there without touching it, then\n\nChannel 0: Yep.\n\nChannel 1: we get, like, interest each month. We'll\n\nChannel 0: Yep.\n\nChannel 1: see. We put more in there. So, like, each month, the bonus interest is around about $700 a month that we're getting.\n\nChannel 0: Okay. So the interest is it in a high savings, like, a high yielding kind of accounts or savings\n\nChannel 1: Yep.\n\nChannel 0: maximizer or something? Yep. And\n\nChannel 1: Yes.\n\nChannel 0: is it about\n\nChannel 1: It's\n\nChannel 0: that?\n\nChannel 1: a growth saver account.\n\nChannel 0: Right. Sabercont. Who's it with?\n\nChannel 1: From George Suncorp. Sorry.\n\nChannel 0: Okay. So it's Suncorp, and that is a what was the name of the product again, sir?\n\nChannel 1: It's a GrowthSaver account.\n\nChannel 0: Right. Sabre account. Is it somewhere in the 5.5% interest rate or something?\n\nChannel 1: I'm not quite sure what interest we get on it because we get credit interest and then we get bonus interest. So the credit interest is only, like, under $10, but the bonus interest is what we make the money on because, like I say, if you put $200 a month in and don't throw\n\nChannel 0: Okay.\n\nChannel 1: any money out of that, then you get the monthly interest, which is like, as I said, each month, we normally get around about $7,800 a month. Then\n\nChannel 0: Okay.\n\nChannel 1: we\n\nChannel 0: That's\n\nChannel 1: gotta\n\nChannel 0: just\n\nChannel 1: pay\n\nChannel 0: good.\n\nChannel 1: tax on that.\n\nChannel 0: Okay. Yeah. Because it's an income stream. Correct.\n\nChannel 1: Exactly.\n\nChannel 0: So if we so yeah. But they come it would be beneficial for you to take that hit because you've got a lower marginal tax rate, especially\n\nChannel 1: Yes.\n\nChannel 0: if you're gonna be you should just salary sacrifice whatever whatever your income is. I'll do that as a strategy. Well, whatever your income is above 18,200. So whatever that income is, you said it's about $7.50 a month, times that by $129,000 dollars. And then we've got above the 18,200 from the current wage is what was it?\n\n$2,800, something like that. So that means you can contribute essentially $11,800 to super and save money and tax. Yeah. And then draw it up because you're 65. You can draw it up very next financial year, the July 1, if you like,\n\nChannel 1: Yep.\n\nChannel 0: which is a very, very sneaky but but completely legal strategy. And then best part is you can put the money into super, pay a lot less tax, and then pull it straight out for next financial year on the first. You can pull it in on June 30 if you like. And then on the and then on the July 1, we'll do a we'll submit a notice and intent to claim with the ATO, and then you can pull the funds straight out again, then we get all our tax back in by way of tax return.\n\nChannel 1: Oh, okay.\n\nChannel 0: Yeah.\n\nChannel 1: Cool.\n\nChannel 0: So it's like that. Yeah. You're in that little Goldilocks zone right there.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yeah. So 60 to 65, 66, 67 kind of area is where you can really benefit. So I\n\nChannel 1: Yeah.\n\nChannel 0: wish\n\nChannel 1: Because\n\nChannel 0: I saw\n\nChannel 1: I\n\nChannel 0: it.\n\nChannel 1: went yeah. Because when I went back to work after my niece, I was only doing four hours a day. And then they said, oh, we'll have to do that contract then do another one. I'm an eye care. They said, well, do you wanna just stick on those hours too?\n\nWhich I went, twelve hours a week is plenty for me to do. I said so I said, I'll just\n\nChannel 0: Yeah.\n\nChannel 1: do twelve hours a week. I don't wanna do any\n\nChannel 0: Yeah.\n\nChannel 1: more than that.\n\nChannel 0: Yeah. Yeah. Well, fair enough. If you don't need to, don't do it. You know?\n\nI mean, don't\n\nChannel 1: Well,\n\nChannel 0: put\n\nChannel 1: exactly.\n\nChannel 0: any more stress in your body. Exactly.\n\nChannel 1: Exactly.\n\nChannel 0: And and I mean, you've got you've got the cash savings account. You've got, you know, Darren and yourself, what's what's his is yours and what's yours is yours. Right?\n\nChannel 1: Let's try the\n\nChannel 0: Yeah.\n\nChannel 1: CareClick.\n\nChannel 0: Exactly. This guy is training me well. So, yeah, from an asset pool perspective, it's really you know, you you you you've worked hard. And now that you wanna hang up your boots, you wanna call every day, I think you should be you should reap the rewards of your hard\n\nChannel 1: Yep.\n\nChannel 0: work along your way. So I'm gonna I'm gonna go back to that first question.\n\nChannel 1: Mhmm.\n\nChannel 0: What what does retirement look like for you? Were you hoping to get to eight seven? Have you got a number per week in mind? Or\n\nChannel 1: Not really. I was just gonna work until I didn't wanna do it anymore, which would\n\nChannel 0: okay.\n\nChannel 1: probably only be well, it'll probably only have been overseas. Well, I'm hoping that they're gonna close our store down and make them redone. That'll be even\n\nChannel 0: Lovely. We love her number two payments.\n\nChannel 1: better. I'm\n\nChannel 0: So\n\nChannel 1: hoping\n\nChannel 0: I know it's\n\nChannel 1: that\n\nChannel 0: not\n\nChannel 1: they'll\n\nChannel 0: so much.\n\nChannel 1: do that.\n\nChannel 0: Okay. Perfect. And so if that wasn't the case, would you say 67 is kind of the goal age? Or\n\nChannel 1: Probably. Or sooner.\n\nChannel 0: It's a good it's a good yes. Yesterday, I believe,\n\nChannel 1: Okay.\n\nChannel 0: I'm 67 years old. And so I know Darren's answer, but I'm gonna I'm gonna ask you the same question. So when you get to, say say, 65. Sorry. 67 years old and you call it a day or yesterday, whenever the retirement age is, you hang up the boots, call it a day.\n\nDone.\n\nChannel 1: Mhmm.\n\nChannel 0: What do you think with your current living situation, what do you think between the two of you would be a suitable income per week? Just for example, to live off. That's with all the rates and fees. Keep in mind you got no mortgage. So would you say $800 to a thousand dollars per week for each of you would be enough?\n\nChannel 1: Definitely. Yeah.\n\nChannel 0: What what what would you consider a pretty reasonable amount?\n\nChannel 1: I'd rather say about I mean, like, because if you put in body core pin rates or things like that,\n\nChannel 0: Mhmm.\n\nChannel 1: and\n\nChannel 0: Yep.\n\nChannel 1: then, like, you'd want for, like, when\n\nChannel 0: Yeah.\n\nChannel 1: we travel and everything. So probably about, yeah, maybe $121,300 per week.\n\nChannel 0: Getting hungry. Okay. So to give with to give you an idea of what that kinda looks like, so if you look at a thousand dollars a week, that's fifty two weeks and years. That's $52,000 in that year income. Right?\n\nIf you join that out of something some sort of concessional environment like, let's say, superannuation, completely tax free when you pull it up. If\n\nChannel 1: Yep.\n\nChannel 0: you can get a thousand dollars a week for a couple with no mortgage, and a spam is, like, four bedroom miles, that's about that's paying all rates and fees, living comfortably, and while doing so, having about two to three overseas holidays a year.\n\nChannel 1: Of course.\n\nChannel 0: Yeah. So would that would that be a reasonable number to kind of work towards, or you\n\nChannel 1: Definitely.\n\nChannel 0: still wanna stick with that 1,200?\n\nChannel 1: Whatever we can get so that we can get everything that you just said.\n\nChannel 0: Okay. A thousand dollars is is a pretty good benchmark\n\nChannel 1: Yep.\n\nChannel 0: because, like, half of that cash in hand, thousand dollars a week between both of you, I think that's a really good number to work towards, especially being, you know, debt rate,\n\nChannel 1: Yep.\n\nChannel 0: essentially.\n\nChannel 1: Well, exactly. Yeah. We are debt free. So yeah.\n\nChannel 0: So you only have to worry about the the council rates and wherever they're taking that\n\nChannel 1: Yeah.\n\nChannel 0: money\n\nChannel 1: Exactly.\n\nChannel 0: to because,\n\nChannel 1: Yeah.\n\nChannel 0: again, it's just not the puddle up in front of my house. How the nose is showing me doesn't have a panel up in front of his house, like, the number's going to you. Now okay. So that's if you wanna get technical and kinda give you an idea, because you don't know where my head's at and why we asked that question. Or\n\nChannel 1: Mhmm.\n\nChannel 0: so we like to look at true financial freedom. Right? So so what that means and what that looks like is having a certain amount in an asset pool in investment that are appreciating value or paying dividends or whatever it might be to be able to grow by essentially $52,000 a year so that you\n\nChannel 1: Mhmm.\n\nChannel 0: can draw that $52,000 a year in the interest of growth, house tax free, and not affect your bottom line balance that you started with in the beginning of the year. Because then\n\nChannel 1: Yep.\n\nChannel 0: you're just living up free money. Right? That's\n\nChannel 1: Mhmm.\n\nChannel 0: how the whole system works. So between the both of you, where my head's at is going, well, if you want a thousand dollars a week, that's $52,000 in a year because it's 50 cheaper. There's fifty two weeks in a year, 105,000.\n\nChannel 1: Mhmm.\n\nChannel 0: And if I get, let's say, measurable fees and very conservative, let's say, you know, 5% return. National fees. So about 7¢ with everything inclusive. Right?\n\nChannel 1: Yep.\n\nChannel 0: If I divide that by 7%, so what I'm trying to work out is what what balance do we need to have to start off with? What by the time you get to age 67, what balance do you both accumulated need to be able to grow by 5% to live off at least to make at least 52,000\n\nChannel 1: Mhmm.\n\nChannel 0: dollars in a year? Does that make sense? So\n\nChannel 1: Yep. Yep.\n\nChannel 0: and that number is 1,000 oh, sorry. $1,040,000.\n\nChannel 1: Mhmm.\n\nChannel 0: So accumulated until the time of retirement, you know, you if we can somehow work out a way to get a combined asset pool between both of you worth $1,040,000. I mean, and then you can even go 6%. Like, 6% because the cash rate's really the cash rate's 4.35%. So your money in the bank's making at least 4.35% every year.\n\nChannel 1: Yep.\n\nChannel 0: Alright. So let's say 6%. So 1 $52,000 divided by 0.06. So we need to get combined asset pool of $866 and 6 $666, essentially.\n\nChannel 1: Mhmm.\n\nChannel 0: So you're looking at about somewhere around the $8.70 mark, just to 900,000. So combined asset goal, if we can get both to be there, Darren's obviously got five to seven years. You've got a little bit less than that.\n\nChannel 1: Yep.\n\nChannel 0: But combined, if we can get you to essentially $870,000, then if we can get a return of 5% every year, you can draw that out and not affect that balance at all and live on free money.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Does that make\n\nChannel 1: Yep.\n\nChannel 0: sense? Are you sure? I\n\nChannel 1: Kind\n\nChannel 0: need\n\nChannel 1: of\n\nChannel 0: to.\n\nChannel 1: makes sense.\n\nChannel 0: Yes. Yeah. I wanna I wanna make sure that I'd like the the the goal that we're working towards is the same\n\nChannel 1: Yep.\n\nChannel 0: goal that you want, potentially. Some\n\nChannel 1: Okay.\n\nChannel 0: people want you know, some some clients speak to me and say, work next to nothing and say, I want to pay those apartments and super yachts tomorrow.\n\nChannel 1: Yeah.\n\nChannel 0: But other client, you know,\n\nChannel 1: It's\n\nChannel 0: I have a big\n\nChannel 1: not gonna\n\nChannel 0: alright. It's not really realistic. But other clients just have all the money in the world and they wanna live in a beach house in The Philippines. You know what I mean? So it's it's it really depends on each person.\n\nChannel 1: happen. Yeah.\n\nChannel 0: But just by knowing you guys for the time that we're going to travel, I would say that that is a pretty good retirement thousand dollars\n\nChannel 1: Definitely.\n\nChannel 0: a week.\n\nChannel 1: Definitely. Mhmm.\n\nChannel 0: Beautiful. Okay. Well, let's work towards that. That's the goal. What else was there?\n\nDid you just wanted to catch up and just make sure you're on track? Did you wanna put in place a strategy to get to that? Or\n\nChannel 1: Well, probably so how do we go about doing what you just spoke about? Like, how do I go about doing that?\n\nChannel 0: so what I will do is give you an itinerary breakdown. What we're gonna do is go through what we find out a little bit about you guys and what you you're individually as a person as Margie wants. And I just found that out. So after that, I'll show you a little bit more about us, which is the financial services guide and the OPU services guide and share the compliance numbers, all the fees, all the blah blah blah and whatever else. Obviously, your upfront are are hard for you.\n\nThat's okay. I'll continue\n\nChannel 1: Yep.\n\nChannel 0: to work. But, yeah, what we'll do is after that and you understand everything, then we will go through a back time, risk profile, and then I'll shoot you through an email. You'll get me\n\nChannel 1: Mhmm.\n\nChannel 0: a whole bunch of documents, and then in a week to two weeks time, we'll catch up again. I'll probably sit down, come to the office. So you've both\n\nChannel 1: Yep.\n\nChannel 0: been there, and I'll present a statement of advice. And if you like what you see, then you sign it on the dotted line and we do implement everything for you.\n\nChannel 1: Okay. Not a problem. Sounds good.\n\nChannel 0: Beautiful. Alright. So we got the retirement goal, the retirement age. What did you wanna use that $1,000 for? You said something about travel.\n\nChannel 1: Oh, because we, yeah, because we like traveling. Like, we only stop because by now so now my needs are better. We're gonna start traveling again.\n\nChannel 0: Mhmm. What is traveling look like for you?\n\nChannel 1: Well, we always used to go away, like, once a year for at least four to six weeks.\n\nChannel 0: K. One times four to six weeks. Yep.\n\nChannel 1: Yep.\n\nChannel 0: And do you have any preferred spots? Or\n\nChannel 1: Anywhere over the world, I have to say.\n\nChannel 0: yeah. What's that Mark Twain quote? It's for life's like a novel. If you don't if you don't travel, you don't read past the first page. Right?\n\nChannel 1: That's\n\nChannel 0: Right.\n\nChannel 1: right. See it. I mean, like, we've done Europe and all that, so it's probably just places like all over there. So what we eventually wanna do is we wanna go to Vietnam for three months, get\n\nChannel 0: K.\n\nChannel 1: a place in Vietnam, and then virtually go from Vietnam across to all of, like, The Philippines and not to all the other places because it's easier to travel from Vietnam,\n\nChannel 0: Yeah. Correct.\n\nChannel 1: and it's cheaper. So that's what we virtually wanna eventually not do in three months. Like,\n\nChannel 0: Okay.\n\nChannel 1: not in three months, but, like, four, three months.\n\nChannel 0: Yeah.\n\nChannel 1: But\n\nChannel 0: Gotcha.\n\nChannel 1: that'll\n\nChannel 0: Gotcha.\n\nChannel 1: be well, towards being taken Darren's most probably gonna end up getting to retirement age because I'd rather\n\nChannel 0: Okay.\n\nChannel 1: do it sooner. But\n\nChannel 0: Yeah.\n\nChannel 1: he's like,\n\nChannel 0: Okay.\n\nChannel 1: well, no. I've gotta keep working. And so I thought, well, no. You don't. But anyway\n\nChannel 0: Well, we don't well, we don't particularly know yet. You know? Once we've got you, we look at the overall pool as a couple, the both of you.\n\nChannel 1: yep.\n\nChannel 0: Then, yeah, we can essentially work out the numbers and put it all together, and we can all catch up and go. There will be a point in time in the next couple of years. I will give you a call. I'll say, look. Call it a day.\n\nGo get that place in Vietnam.\n\nChannel 1: Yeah. Because I said, Joan, I said because John goes, oh, you know, I've gotta work. So I know you don't. I said, like I said, the other thing I said, we wanna do things right now, not wait until, like, you're too old to do things. I said, what's the point of having all\n\nChannel 0: Yeah.\n\nChannel 1: this money if we can't do anything good because we're too old to do anything. So\n\nChannel 0: Yeah. Well, I I'm trying my best to look after Carrie and Rykes so you don't have to don't don't don't give any more to kids. I got enough steps with you guys. So in Vietnam okay. So when you say Vietnam for three months, are you thinking about purchasing a place over there or\n\nChannel 1: No.\n\nChannel 0: selling\n\nChannel 1: You can't.\n\nChannel 0: your\n\nChannel 1: You can't buy over there. Oh, no. We will never sell this place.\n\nChannel 0: good. Okay. Cool. Perfect.\n\nChannel 1: No. It'll be virtually that we just go on holiday for three months. So, like, we'll go there. We'll live overseas for three months, and then we'll come back here. Then we'll do it again.\n\nWe'll go over somewhere else for three months and come back. So, virtually, like, I wanna do it so we can actually go away and have, like, a holiday for three months of the year.\n\nChannel 0: Yeah. Yeah. And, like, actually absorb the culture and understand and work with it, and we can meet the local people and stuff like that.\n\nChannel 1: Yep.\n\nChannel 0: Got it. Beautiful. And then travel from there. Amazing. Alright.\n\nWell, outside of that, is there anything else you wanted us to look at?\n\nChannel 1: Not\n\nChannel 0: Just\n\nChannel 1: really.\n\nChannel 0: just folks no. Just focusing doing what we kind of work on a plan with yourself and Baron just to try and get this in ASAP.\n\nChannel 1: Yeah. Just like so that I know that, like, if when I do retire that, like, it's not gonna be that we really can't afford for me to retire. Like, I'd rather retire before two years. I'd rather Dan retire before he's even 65 if he can, but that's only another\n\nChannel 0: Yeah.\n\nChannel 1: five years. So I don't know if he can do that, but that would be lovely if you\n\nChannel 0: Well, when we catch up and I go through the statement\n\nChannel 1: could.\n\nChannel 0: of advice, I'll give you I'll give you Darren's welcome. Obviously, he's a client. He can come in anytime, but as well. But with your authority, of course, I I don't see why he wouldn't want it. But what we can do is actually break it down for both of you so you can have, like, an overall scope, an overall idea of what the plan is and how long it's gonna take and what it's gonna look like.\n\nThat makes\n\nChannel 1: Yeah.\n\nChannel 0: sense?\n\nChannel 1: Because I said to Jonathan, do you wanna think? When you're 65, I said I'm gonna be 70 because I'm five years older than me. So I said, like I said, you're still gonna be 65. I'm gonna be 70. I might wanna travel at 70.\n\nI wanna travel now, not 10.\n\nChannel 0: Yeah. There there there's a lot to it. So when you're talking\n\nChannel 1: I know.\n\nChannel 0: about, let's say, superannuation, for for example, when you're looking at trying to there's always this catch 22. Right? And what we we call it risk. There's a think of like a boiling pot when you think about investing. Think about a pot like the free riches in Macbeth.\n\nRight? Gogu\n\nChannel 1: Yep.\n\nChannel 0: Gogu, boil and shovel, five meats, all those things.\n\nChannel 1: Yep.\n\nChannel 0: There's four ingredients that go in, and that is time horizon. So looking at what time you're playing with. So like you said, by the age of 60, 70, you got two years. But at\n\nChannel 1: Yeah.\n\nChannel 0: most, five years or 70. Right? And\n\nChannel 1: Yeah.\n\nChannel 0: that will mean that Daryl will be 65. So let's stay with the five year time horizon. So that's the time horizon. Trying to understand how much time you have. The reason for that is because of these things that volatility.\n\nSo your risk capacity for volatility and your risk approach. And then after that, your risk profile, which are questions are asking a little bit. So when you're thinking about investing, a lot of the time clients come to myself and along the way, you know, almost every time when especially when things go bad, they most of the time, they come to us and say, well, I've lost all this money because some shifting financial advisers contract. Right? They invested my money into something that was really aggressive, and now my $100,000 is sitting at 60,000.\n\nAnd I was looking at retiring next year. Right?\n\nChannel 1: Yeah.\n\nChannel 0: How do I make that money back? And every single time, I don't give them I don't give our clients the answer that they're calling here, but the answer is you should never have been taking that much risk or exposure in the first place. Because if you were taking a more defensive approach in line with your time horizon, Even though you could love the most aggressive investments on the planet, it doesn't matter because you don't have enough time to make it back to GLC two point o.\n\nChannel 1: Yeah. Exactly. Yep.\n\nChannel 0: Right? And so that's what we're trying to navigate at the moment. But yeah. So those four ingredients is what I'm really trying to assess because you're looking at your retirement nest egg, essentially.\n\nChannel 1: Yep.\n\nChannel 0: Okay.\n\nChannel 1: So another thing I was gonna ask, so is the rest alright for me to have my soup in or should I speak with it? Are they alright to have it in?\n\nChannel 0: Well, so it's it's a hard one. I can't really say because I haven't done numbers. But I do know that you can get grouping discounts, so the super funds, not industry funds, retail funds to get you a better return, as we've seen with Darren. Rest look, industry funds are they're they're based on industry. So rest stands for Retail Employee Superannuation Trust.\n\nChannel 1: Yeah.\n\nChannel 0: Alright. So it's for retail employees, which is quite like this. Alright? But when you look at the actual fundamentals, like the functionings of that fund itself and all industry funds, those little hand diamonds, you know, you've seen the adverts on, they are what's called a master trust. So they go all the assets go into one big pool.\n\nYou know, kinda you're not it's not your own money. It all goes into one big consolidated pool, which these benefits and there's there's pros and cons with all of it. Right? So\n\nChannel 1: Yep.\n\nChannel 0: the pro is that it makes the admin fees extremely low because usually with the war actually with all industry funds, there's a there's a dollar figure per week or per per annum, which is usually somewhere around, you know, rest of the things like a dollar 90 or dollar 70 let's just say, for a number's sake, a dollar 50 per week at 70\n\nChannel 1: Yep.\n\nChannel 0: at 70, I think, $78 a year. So it's really, really cheap. But you'll notice that there's also a percentage based administration fee. And that's usually, like, 0.11% including GST, something like that. And that is a very low percentage if you've got low balance.\n\nSo\n\nChannel 1: Yep.\n\nChannel 0: if you're starting out in the industry, if you're 16 years old, just working at Matthews, you know, something like that, retail, then you have a Superfund contribution. You've got let's say, after a year, you got $5,000 in your\n\nChannel 1: Yep.\n\nChannel 0: Superfund. Alright? You'll you'll start you'll notice that you don't pay much in fees because of such a low balance. But the usually, when you get to the balance with most industry funds, when your balance gets to somewhere on the 50 to $80,000 depending on the fund, that kind of math, what happens is that percentage based fee starts building up. Alright?\n\nSo 0.1% on $10,000 is a $100, but zero that same 0.1% on, you know, 500,000 is $5.\n\nChannel 1: Yes.\n\nChannel 0: So that that's what happens. That's usually where you see the larger balances above anywhere from 50 to $80,000 compensating for the small balance. So you're paying for the smaller balance card, essentially. So when you've got a lower balance, I think industry funds are amazing tool.\n\nChannel 1: Yep.\n\nChannel 0: Anywhere below kind of you're back. The balance you're kind of you got at the moment. You you've got somewhere around the $4,050,000 to\n\nChannel 1: I've\n\nChannel 0: use\n\nChannel 1: only\n\nChannel 0: of cooperation.\n\nChannel 1: gotten the yeah. Yeah. See, I used half of it for for my surgery.\n\nChannel 0: Yeah. And how much do you have left at the moment?\n\nChannel 1: I think there's 40 I think it was 43,000.\n\nChannel 0: K. But look. It it might be worthwhile having a look at the numbers and just making sure that it's it it is beneficial because there are\n\nChannel 1: Well,\n\nChannel 0: grouping\n\nChannel 1: I sent all\n\nChannel 0: discount.\n\nChannel 1: that information to Madison. She wanted me to I got it all from rest and send it all to her.\n\nChannel 0: Beautiful. That's exactly what I need. So what what I will do is essentially go to work. I'll take that information, go to the market, and use my software, use my research, and look at absolutely every fund out there. We've got this tool called xPlan.\n\nAnd\n\nChannel 1: Yep.\n\nChannel 0: because we've run our own license, we can look at every fund under under the sun. It doesn't bother us. So I'll\n\nChannel 1: Mhmm.\n\nChannel 0: find out if there is a cheaper one. And if it's so, then does it get you a better return? That's\n\nChannel 1: Yep.\n\nChannel 0: pretty much the aim of the game.\n\nChannel 1: Not a problem.\n\nChannel 0: Also notice that you got insurances. Do you have insurances inside your rest coupon?\n\nChannel 1: Yes.\n\nChannel 0: Why do you have insurances?\n\nChannel 1: I don't know. I never that just came with the Superfund, I think.\n\nChannel 0: K. Well, you're paying for them from the super fund.\n\nChannel 1: Oh, okay. Well, I don't really\n\nChannel 0: Yeah.\n\nChannel 1: need them, do I?\n\nChannel 0: Correct. So insurances, you you're essentially what we call self insured. But insurances are very it's a personalized kind of thing. Yeah. So it's just got a lot to do with culture.\n\nIndian people and African Africans Zimbabwe and South Africans. South Africans love insurance. They want all the insurance in the world to pay I don't know why I hate insurance. It's a it's a necessary evil. The whole purpose of it is to essentially cover your needs because you don't coverage yourself.\n\nAnd the best\n\nChannel 1: Yes.\n\nChannel 0: outcome is nothing happens. Like you. Essentially, nothing happened. Alright? And to be able to make a life or, thankfully, a life or a TPD claim.\n\nSo all the premiums you've been paying per annum, and I'll find out what those are and let you know. But all those premiums that you've been paying per annum, are you super to an insurance company? You're not gonna get a refund of them if you don't claim on that.\n\nChannel 1: Okay.\n\nChannel 0: So it's the worst yeah. It's the worst financial decision you can probably have. But in saying that, if you if something did go wrong along the way, let's say when you're 45, 50 years old, something did go wrong, you wanna make sure that you're covered and you wanna make sure that you're covered for enough, which is not\n\nChannel 1: Yep.\n\nChannel 0: leaving behind any debts for your family. You don't have any debts, so what's the point in paying a premium for it?\n\nChannel 1: Well, that's true.\n\nChannel 0: Right. So I'll probably be looking at recommending canceling notes if that's alright.\n\nChannel 1: That's fine. As I said, hey. Because I just as I said, like, I've had this rest for, like, years. So it's just I think they just said, you know, do you want that? I was just like, yeah.\n\nOkay. Whatever you think I should have. That's what I was doing with them. I just\n\nChannel 0: Yeah. 1993 is when SIP came out. Did you have\n\nChannel 1: did.\n\nChannel 0: any different employments? Or\n\nChannel 1: Do I or did I?\n\nChannel 0: did you say between 1993 until now? Did you only work for cashes? Or was there other employment,\n\nChannel 1: No.\n\nChannel 0: other\n\nChannel 1: I worked\n\nChannel 0: roles?\n\nChannel 1: at other ones, but I was always at rest. I was always in rest.\n\nChannel 0: Okay. 44 and you've worked since 1993?\n\nChannel 1: Improve '84. Yeah. About then.\n\nChannel 0: Okay. I would assume that you would have more than even a half, like, to double your balance. You should have more than a $100,000.\n\nChannel 1: Actually, I didn't actually, I didn't have soup because super when did super come in?\n\nChannel 0: 1993. This is fact.\n\nChannel 1: Okay. 1993. So okay. Maybe no. I wasn't actually because I've got no.\n\nSorry. No. Because yeah. Yeah. I\n\nChannel 0: So\n\nChannel 1: was.\n\nChannel 0: let's let's just say, what was your normal wage when you're working at Abigail?\n\nChannel 1: Shit. Back then, I would never cruise. Wasn't much.\n\nChannel 0: Would you would you say just on the average every year would be about $5,060,000? Or\n\nChannel 1: Not not back then when I was working.\n\nChannel 0: yeah. In today's dollars. So would you say it would be somewhere around the I don't know. Let's say $40,000 on average.\n\nChannel 1: Probably would have been. But see, you gotta think when I was when back in those at that day, I was only doing part time because I I had the two kids on my own. So I wasn't working\n\nChannel 0: Yeah. Yeah. No. I understand. But no\n\nChannel 1: full\n\nChannel 0: matter\n\nChannel 1: time.\n\nChannel 0: what, since 1993 in the superannuation industry scheme, that's just a hackathon. When that came up, employers have to pay. If you were a PAYG employee, they have to pay the super guarantee contribution. So\n\nChannel 1: Until I moved up here, I was actually doing down in Sydney, I was actually doing cash in hand.\n\nChannel 0: Oh, nice. Okay. How long were you doing cash in hand for?\n\nChannel 1: I would have been well, I moved up here in well, I moved up here in 2000. So from 1994, I would have been doing cash in hand for about four or five years. Because I was only doing part time and I was doing cash in hand. I was in so I wasn't paying super.\n\nChannel 0: Okay. So that's alright. So when you start when was the year what year did you start being employed?\n\nChannel 1: When I moved up here, so it would have been in 2001.\n\nChannel 0: 2001. So would it be fair to say twenty five years? You've been on about, on average, 30 to 40,000 a year?\n\nChannel 1: Probably. Yep.\n\nChannel 0: K. So if you're on 40,000 a year at 9% because that's what it started at, now it's 12%. Unfortunately, 9% benefit of the doubt, that's $3,600 that was would have been contributed to your super fund every year. Right? Now if I times that by twenty five years, that's $90,000 just just by way of cash.\n\nRight? That's\n\nChannel 1: Yep.\n\nChannel 0: without twenty five years of compounding return. So I would be very surprised if there isn't money line with the ATO or something like that. So what I'm gonna do is get you to sign what's called a a lost super authority. I'm gonna submit that with the ATO, and it takes about three to six months because they just the ATO are the\n\nChannel 1: Mhmm.\n\nChannel 0: ATO.\n\nChannel 1: Mhmm.\n\nChannel 0: And they will come back with any sort of lost cheaper that you have.\n\nChannel 1: Yep.\n\nChannel 0: You you'll be surprised. You know, a lot of clients say that they kept everything in the same place, and I literally found, what, three three, four, maybe maybe two months ago now, we found\n\nChannel 1: Oh,\n\nChannel 0: 200\n\nChannel 1: okay.\n\nChannel 0: and 1,000 we found $201,000 sitting with the ATO for for a client.\n\nChannel 1: I don't know. I thought I was just a business, but maybe I wasn't. I don't know.\n\nChannel 0: Maybe. But we'll find that out for you. Yeah. It's fine with service. Beautiful.\n\nAlright. So if you wanna go on to the email I sent you for the initial\n\nChannel 1: Uh-huh.\n\nChannel 0: complimentary consultation.\n\nChannel 1: Okay. Let me just open up my tablet.\n\nChannel 0: Yeah. No. By the way, Kylie and I are I don't know if you're speaking spoken to her, but we're we're we're in a lot better place, which is nice.\n\nChannel 1: That is\n\nChannel 0: Yeah. Vulnerable moments from past traumas from both ends, I think.\n\nChannel 1: Mhmm. So okay. So you you sent it to me?\n\nChannel 0: Yep. Send the email forty seven minutes ago. Maybe go to your junk or spam or\n\nChannel 1: Yeah. I did look let me look on my phone. Because sometimes it comes on my phone and not my tablet. I don't know why I thought it does sometimes.\n\nChannel 0: okay. Surely somewhere out there and eat the webs, the the sky, the the space. And just to confirm, is it margaret dot dod, m a r g a r e t, dot dod, d o w d, nineteen\n\nChannel 1: Yes.\n\nChannel 0: 51@hotmail.com?\n\nChannel 1: That's it. Oh, here we\n\nChannel 0: K.\n\nChannel 1: go. It was in spam. So it comes through on my phone, but it's not on my tablet. Oh,\n\nChannel 0: No. That's\n\nChannel 1: no.\n\nChannel 0: right.\n\nChannel 1: It's on my\n\nChannel 0: As long as\n\nChannel 1: it's alright. It's on my tablet now.\n\nChannel 0: alright. So what I want you to do is open up the first document. The first attachment is called the o p services guide.\n\nChannel 1: Okay. That's why I'm forced to load.\n\nChannel 0: Drive. You got the wheel of death?\n\nChannel 1: Okay. So this one\n\nChannel 0: Alright.\n\nChannel 1: Yes.\n\nChannel 0: You should be looking at the front page, which is the I have a picture of the Gold Coast and I'll say IT Financial\n\nChannel 1: Yep.\n\nChannel 0: Services Guide\n\nChannel 1: You\n\nChannel 0: by\n\nChannel 1: got\n\nChannel 0: the end\n\nChannel 1: that?\n\nChannel 0: of the little bit. You\n\nChannel 1: Yep.\n\nChannel 0: got that?\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. So this is essentially a breakdown of who we are, what we do, why we started, and a bit of a process. I'll fly through this because it's you're already at the end of the process. But\n\nChannel 1: Mhmm.\n\nChannel 0: the more important documents, the financial services guide itself, which is the compliance factor. And I'll spend some more time on that, but this is us. We are OTP Financial. Alright. Thank you for reaching out.\n\nI'm glad we did a good enough job for Darren to refer our own partners.\n\nChannel 1: Yep.\n\nChannel 0: Essentially, it was just I don't know if you know the story, but yeah. But my business partner, Bart and I, we took on an angel investment loan in the hundreds of thousands and we started the company in heaps of debt with zero clients in the garage in Pimpama about a decade ago, like ten years ago, nine, ten years ago.\n\nChannel 1: Yep.\n\nChannel 0: And somehow dragged ourselves through, you know, all sorts of real and for things to make it work. And we eventually started it all of this when the Hainville Commission came out into banking and finance.\n\nChannel 1: Alright.\n\nChannel 0: And we got yeah. Do you remember that? Did you see that or see it on the news? Do you remember that banking and financial commission?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. So a lot of people doing bad things, like, charging the fees to states that shouldn't just kept insurance policy and charge fees on it and all sorts of gross stuff. So I'm glad that it's a good thing that they did it because there are a few of us that are trying to do the right thing. And, you know, just as everyone suspected, do anything of financial planners or asset managers? You don't really think trust is not the first thing that comes to mind, It's fair enough.\n\nBut there are a few of us that are trying to do the right thing. So we started the vision, the Oaktree Financial, that garage of the vision of being the most trusted financial planning firm in Australia. I'm trying to instill the trust back into, you know, fairly stringent and regulated industry throughout the whole world. And there's our core mission and core values, little bit of a blurb. You're welcome to read that if you're struggling to sleep throughout your life, but we'll stop you out pretty quick.\n\nBut the next next page is number two, but page three page I'm gonna just say that page number the bottom. So page two is the wealth cycle. This is what you've already done. And now\n\nChannel 1: Alright.\n\nChannel 0: you are in the blooming stage. So\n\nChannel 1: Okay.\n\nChannel 0: everything we everything we do is pretty corny, like, we're we're in the end of the day. So, you know, if we oak view, oak tree, it's yeah. We do the the stages in line with that. Like, nature is you'll find a lot of it along the way. But\n\nChannel 1: Yep.\n\nChannel 0: you can find a spot of the seedling with no real growth plan or strategy or direction knowing what to do. So we set them up with, you know, growing wealth for retirement, but also protecting them in case something goes wrong, which is super insurance. Afterwards, we start looking at taking up foundations, creating relationships with client's money, and getting them a nondeductible appreciating asset like that, which is what you've already done.\n\nChannel 1: Mhmm.\n\nChannel 0: Then after that, we start if you wanna really build wealth, you start utilizing the OPM, other people's money. Your your agent stage in Northern graphic right now does not accommodate the leveraging and gearing at all. Because if you borrow money, it's called OPM, the other people's\n\nChannel 1: Yep.\n\nChannel 0: money. You know, you don't wanna borrow to invest in shares or anything anytime soon because if the market goes down, you will yeah. You will not have enough time frame time horizon to be able\n\nChannel 1: Yes.\n\nChannel 0: to make it happen. So we don't wanna we don't wanna do that.\n\nChannel 1: No.\n\nChannel 0: So, yeah, that means that you've already done all those stages. Now you're sitting in the blooming stage and you're speaking to somebody like myself to try and work out the best way to hang up the boots and retire in style in that seating stage. And when you\n\nChannel 1: Mhmm.\n\nChannel 0: decide to, you know, call it a day completely and\n\nChannel 1: Yep.\n\nChannel 0: move on, then, you know, fall off your perch, if you would, then, you know, what's the succession plan? What does that look like? What are we gonna do then? We do all that for you as well.\n\nChannel 1: Maria.\n\nChannel 0: K? Yeah. But right now, let's focus on the blooming stage where your GTR strategy is in place for both of you because your balance doing it. It doesn't really\n\nChannel 1: Mhmm.\n\nChannel 0: make sense for yourself. You don't have, you know, you don't really need any complex cost structures or anything like that because you don't have that you don't have investment property, factories, and stuff.\n\nChannel 1: Mhmm.\n\nChannel 0: You don't I wouldn't be recommending a self managed coupon because it's too expensive. But social security strategies. So we're gonna do your super and insurances, and we're gonna start looking at social security when you get to the age of 67.\n\nChannel 1: Yep.\n\nChannel 0: Try and get as much of the tax money you paid throughout your life back.\n\nChannel 1: Mhmm. That'll be good.\n\nChannel 0: That's that's the plan. So if you do somehow enough for record, if you do if you do end up, say, having more than the asset test, it's there might be, I don't know, room for to withdraw those funds from super, let's say, complete the tax fee, and use it for a renovation on your house. You know? And maybe you wanna do the kitchen up or something like that that'll cost\n\nChannel 1: Yes.\n\nChannel 0: just\n\nChannel 1: Mhmm.\n\nChannel 0: as much or preferably a dollar more than what the asset has been, that $4.25 425,000 or so\n\nChannel 1: Mhmm.\n\nChannel 0: so that you can do up your house because your primary place of residence in your home is exempt. So we can look at strategies like that. But right now, let's just focus on the foundation. After that, there's our experienced team. There's obviously a very airbrush picture of myself in there.\n\nI got, as you know, more city miles. There's a story about us, what I just explained. There's all my degrees and all the bits and pieces and little blurb about how awesome I am. I'm not gonna go through it. And then pretty much the same thing for everyone else in\n\nChannel 1: Yep.\n\nChannel 0: the team just to show depth of company and show that we're not a one man band.\n\nChannel 1: Yep.\n\nChannel 0: K. Darren's being the opposite, he can tell you. So if I'm not available and you do come along as a client, we show benefit to you, and I'm not available, I'm not there, then there's always gonna be somebody to help you out. K?\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Outside of that, all the rest is pretty much compliance and boring stuff. You know, regulatory guide 38. We've got a a common law for district duty to protect your information. We've got huge PI insurance, so and intellectual property stuff.\n\nWe've got cyber security insurance, all the rest of it. Everything you need, we need, and how to get in contact with us. The last couple pages is\n\nChannel 1: Mhmm.\n\nChannel 0: just a network of the other professionals that we don't provide the service for to clients. Stuff like mortgage broker, accounting,\n\nChannel 1: Yep.\n\nChannel 0: and legal. That's just a network of individuals that I like the way they work. And, you know, there's nothing worse than referring the clients on that side. A great experience with OP, let's say, and we refer them on to a new partner, and they drop the ball. Just make up for that.\n\nRight?\n\nChannel 1: Yes. Sure.\n\nChannel 0: So for that reason, I created this thing called OBA, a proud collaboration of expertise, and those are the partnering groups. So QCA, Accountants, Gold Coast Wealth Mortgage Brokers, Finance Industries Australia is more along the, like, commercial lending side. And then you've got Cape Fear and Associates and then Gold Coast accounting. So pretty much any normal basis, we\n\nChannel 1: Mhmm.\n\nChannel 0: we don't get any referral fees from that at all because we run our own license, our own agents. So I'll explain that to you in a second. But,\n\nChannel 1: Yep.\n\nChannel 0: yeah, that's just a little bit more about that network and how we provide extra service to clients. That\n\nChannel 1: Yep.\n\nChannel 0: do you have any questions?\n\nChannel 1: No.\n\nChannel 0: So next document, next attachment is our actual financial services guide. Like I said, this is a compliance stuff, so I applied through it and try and make it as painless as possible. But are you looking at that financial FSG now?\n\nChannel 1: Yeah. I'm on that page.\n\nChannel 0: Or perfect. So number one, we'll go through step by step. Number one, the purpose of this financial services guide or FSG, we call it, is to provide you with as much information as possible. And if something goes wrong or if all the services we provide, who the license is under, and what that license entails. Okay?\n\nAnd also\n\nChannel 1: Mhmm.\n\nChannel 0: if there's any conflicts of interest in how to make complaint if you want to. Secondly, here we are, we are IP Financial. We run our own Australian financial services license, which is directly under ASIC. ASIC is the Australian Securities Investment Commission. They award us a number.\n\nWe Bob and I were actually the second youngest firm in the country. Yeah.\n\nChannel 1: Oh, wow.\n\nChannel 0: We have to be able to run Naperville because of our experience. ASIC declined us first. But, yeah, they called us back about four months or so later and actually ordered us an AFSO, which quite quite feel quite privileged. But that yeah. There you go.\n\nSo that AFSO number for IP Financial, the company is 513068, and we are essentially responsible for all of them taking some financial advice under that\n\nChannel 1: Mhmm.\n\nChannel 0: license. So lack of independence, we can't say we're independent, we won't bias, or impartial because technically, ASIC has rules rules over us, rulings over us. It's a really stupid law that we have to include. It's just obviously, it's it's section nine two three a of the Corporations Act. Very short.\n\nYep. Nine two three a of the Courts Act. It's it's it's it's one of those legislations that are enforced and made up by, you know, politicians that have never worked in the industry before. So\n\nChannel 1: Mhmm.\n\nChannel 0: there's something we need to put in there, but, essentially, we even though we run our own license and make all the rules ourselves, we can recommend anything on the planet because the asset has final say over us. We can't recall ourselves independence. Yeah. That's\n\nChannel 1: Okay.\n\nChannel 0: the only thing that that means.\n\nChannel 1: Mhmm.\n\nChannel 0: Now the services we provide, we provide everything. If you think along with financial scope, you think of money, think of us. We can give you recommendations on it outside of mortgage broking and accounting. I am a register I am I'm qualified to be an accountant. I'm technically a registered taxation financial adviser, which is the exact same qualifications as an accountant, but I am not registered with the tax practitioners board.\n\nReason for that is because I couldn't think of anything worse than being an accountant. So I\n\nChannel 1: Sure.\n\nChannel 0: can give advice on tax. I just don't do tax returns because I don't get paid enough, and it's just really a horrible thing to do.\n\nChannel 1: It\n\nChannel 0: We\n\nChannel 1: would\n\nChannel 0: need people\n\nChannel 1: be.\n\nChannel 0: to do that. Yeah. Correct. So I thought it worked out a way to still use what I know, but in the client's best interest, not the ATO's best interest because nobody likes the ATO.\n\nChannel 1: Definitely not.\n\nChannel 0: So there's a little bit more about what we can provide advice about. This is how we're going through this process, grabbing your initial client contact, so that's us talking now. In a couple weeks, we'll go through a recommendation through a statement of advice, give you an idea about the tracking for and if we can help you. In any way, From there, you'll give us consent to proceed, the ATP authority to proceed. And then just like that, we'll just get to work, influence everything, let you know in a step.\n\nChannel 1: Not a problem.\n\nChannel 0: And we'll review every year. And after that, there is the fees. We are professional service, and we do charge a professional service fee. I gave\n\nChannel 1: Mhmm.\n\nChannel 0: Darren the free, but the house that is leveraged against is yours too. So what do you deem is reasonable from a fee perspective?\n\nChannel 1: I don't\n\nChannel 0: Because\n\nChannel 1: know. What do you know me? Touch paper.\n\nChannel 0: well, what we do is we charge a four that that table at number four So for the superannuation insurance advice, we do a complimentary consultation or letter of engagement to get the SOA or statement of advice started. You probably\n\nChannel 1: Mhmm.\n\nChannel 0: saw the statement of advice for Darren. That's very that's a lot of work that goes into that.\n\nChannel 1: Yep.\n\nChannel 0: Well, it's not I mean, everything else. But looking at your agent stage, I'll keep you in the roots bracket. So that's gonna be the the the start of the SOA is no charge. But if you were to do some more complex strategies like margin lending, gearing, leveraging, that's $2,200 to get the plan started. And then once we implement it, we charge $4,950 out of your out of your balance or whatever the funds we manage.\n\nSo you're super, essentially. I would I would say that I'd be comfortable with more than halving it, say, 3,200. Would you be happy with that for an upfront fee?\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Cool. So I bring that down with the SOA just just to make sure that covers my plan and all the SOA and get pair\n\nChannel 1: Yep.\n\nChannel 0: of\n\nChannel 1: No.\n\nChannel 0: line and\n\nChannel 1: That's\n\nChannel 0: everything.\n\nChannel 1: yep.\n\nChannel 0: Beautiful.\n\nChannel 1: Mhmm.\n\nChannel 0: And just so you're aware, we do do a couple discounts of rates. Darren's already on that. Usually, we charge 1.65% for your kind of balances. But as you can see the ongoing service fee on the couple's side,\n\nChannel 1: Yep.\n\nChannel 0: when you combine balances between 200 and 500,000, we charge 1.1% charge. And whereas if it's an individual, we charge 1.375.\n\nChannel 1: Yes. Yep.\n\nChannel 0: So we're gonna charge you both 1.1% until you get over $500,000, and then it'll drop again. K?\n\nChannel 1: Okay. No worries.\n\nChannel 0: Beautiful. We get a 100% of the revenue first of the ASR, but if anybody's\n\nChannel 1: Mhmm.\n\nChannel 0: licensed underneath us, we have to pay them whatever we agree to. But we've got no one underneath us. We are solely we're just\n\nChannel 1: Yep.\n\nChannel 0: a sole practice. The last main important thing is complaints. The number 11. Very bottom. What happens if I run away with your money and drink and I go to Paris and I\n\nChannel 1: I\n\nChannel 0: start\n\nChannel 1: know where\n\nChannel 0: drinking\n\nChannel 1: you live.\n\nChannel 0: cocktails? You know where I live exactly? You but I won't be here because I'll be in The Bahamas drinking the vena\n\nChannel 1: I\n\nChannel 0: coladas.\n\nChannel 1: would know about\n\nChannel 0: Right?\n\nChannel 1: you'll be taking my daughter and grandson.\n\nChannel 0: Exactly.\n\nChannel 1: So oh, no. Every wherever you are, I will find you.\n\nChannel 0: You will find me\n\nChannel 1: So\n\nChannel 0: and\n\nChannel 1: you can't\n\nChannel 0: you will\n\nChannel 1: run away\n\nChannel 0: break.\n\nChannel 1: from me at all.\n\nChannel 0: That's right. I don't intend to. I haven't done it in ten years, and we are still within our three, five claims in a decade. Complaints, formal complaints, was for the external EIDI.\n\nChannel 1: What's it say? You can\n\nChannel 0: So\n\nChannel 1: run, but you can't hide.\n\nChannel 0: correct. No. I'm I'm not that quick at running and there's nothing inside. So thanks for that for that. But yeah.\n\nThere's so if you do have a complaint, you know, something like that does happen or you just you just pissed off about something, we're pretty reasonable people. Like, you can call\n\nChannel 1: Yep.\n\nChannel 0: the compliance manager, what's called an IDR, an internal dispute resolution.\n\nChannel 1: Mhmm.\n\nChannel 0: IDR means you get in touch\n\nChannel 1: Yep.\n\nChannel 0: with the compliance manager, which is me. But you wouldn't wanna speak to me. So for that reason, Bart's the compliance manager as well. I hadn't seen you well, you can speak to them. We've managed to settle every discrepancy along the way except for, like, two or something because they just got dropped anyway.\n\nThey were dumb.\n\nChannel 1: Yep.\n\nChannel 0: But if for some reason Bart tells you to get stuff and go away, then you can always go to what's called an EBR, an external dispute resolution.\n\nChannel 1: Mhmm.\n\nChannel 0: And that means that you get in touch with ATCO, the Australian Financial Complaints Authority, and all their details\n\nChannel 1: Yep.\n\nChannel 0: are there as well. And they are like give the watch so that they they come down on us pretty hard. And we are essentially at that point, we are guilty until proven innocent. Alright? So\n\nChannel 1: Yep.\n\nChannel 0: so I'd definitely see it just because, like I said, we're still within the first five free claims. But, yeah, it's a lot easier just dealing with us, no problem.\n\nChannel 1: Yes.\n\nChannel 0: Perfect. So that'll make sense. Do you have any questions or concerns?\n\nChannel 1: Not at all.\n\nChannel 0: Beautiful. Now I'm gonna run through a quick back point and then a risk profile. And after that, we are done.\n\nChannel 1: Not a problem.\n\nChannel 0: Beautiful. Let me just find your file. There you are. Manning. I'm a manning.\n\nAnd then we search. Background. Okay. Let me just wait for this to open. I'll confirm some details.\n\nYou don't have a middle name, do you?\n\nChannel 1: Nope.\n\nChannel 0: That's an easy. I'm like myself. For some reason, my parents just thought it would be a great idea to torture me.\n\nChannel 1: No. I don't have a middle name. My parents couldn't afford one. That's what I tell people.\n\nChannel 0: I don't think it works that way.\n\nChannel 1: I know. But I just tell people that anyway.\n\nChannel 0: Yeah. Fair enough. Okay. Yeah. Maybe you can do the best of people along the way.\n\nSo,\n\nChannel 1: It's so funny. My whole life people go, what's your name? You say your name and I go, do\n\nChannel 0: yeah.\n\nChannel 1: you have a middle name? No. I don't. Oh, you really don't? No.\n\nChannel 0: Yeah. I saw something as as well. Was it Macquarie is your is\n\nChannel 1: Maiden\n\nChannel 0: your\n\nChannel 1: name? Yes.\n\nChannel 0: yeah, I didn't know that. There you go. Alright. I've got the majority of your assets. I've got your private place resident and your motor vehicle.\n\nThat's his work. Yep.\n\nChannel 1: Mine. Mine is g w m\n\nChannel 0: Mhmm.\n\nChannel 1: Jolene oh, what is it? It's a oh, fuck. Yeah. Forget what I keep forgetting what it's called.\n\nChannel 0: No. That's alright. Just what's it worth and what's the debt\n\nChannel 1: Oh,\n\nChannel 0: value?\n\nChannel 1: what's it? Sorry. 30 was it 38,000, I think it is?\n\nChannel 0: Okay. So the account's in it. No loan on it?\n\nChannel 1: No. No. We're getting both our cars out right.\n\nChannel 0: Perfect. And the cash in the bank is 177,010.\n\nChannel 1: Hundred and 77,000. Yeah.\n\nChannel 0: Beautiful. Alright. Now I'm gonna ask you some questions in regard in regards to your risk profile. Like I said,\n\nChannel 1: Mhmm.\n\nChannel 0: these questions, yeah, I need to know your tolerance and capacity, your risk. I know your time right and know what you wanna achieve, but I just need to get more of a sense of what kind of what kind of risk financial risk taker you are. Okay? So\n\nChannel 1: Mhmm.\n\nChannel 0: on that note, we'll start off. Some of these questions are very dumb because they are created by the government. So I have to bother them, but I'll answer those ones for you because, yeah, they're just pretty stupid as well when I get there. But first question, starting off, how would you rate your willingness to take financial risk? Could you say that you're a very high risk taker, high risk taker, average risk taker, or low risk taker?\n\nSorry.\n\nChannel 1: What was that again?\n\nChannel 0: Where what how would you like to rate your willingness to take financial risk at your current agent stage in mind? So would you say that you're, one, a very high risk taker, two, a high risk taker, three, an average risk taker, or four, a low risk taker?\n\nChannel 1: Maybe average.\n\nChannel 0: Average. Beautiful. And how familiar are you with investment markets? Would you say that you\n\nChannel 1: Not\n\nChannel 0: are\n\nChannel 1: at\n\nChannel 0: comfortable\n\nChannel 1: all.\n\nChannel 0: or not at all? Not familiar with investing. That's so good. And what's the most aggressive investments you've ever made? Have you ever bought direct shares personally?\n\nOr\n\nChannel 1: No. I don't think\n\nChannel 0: okay.\n\nChannel 1: we've had an investment property.\n\nChannel 0: That's perfect. That's exactly what I need to know. Beautiful. And the next question that I already know the answer to is once the investments have been placed in force, how long before you need access or you want to access your capital? That's why we've got the age 67.\n\nRight? So I'm\n\nChannel 1: Yep.\n\nChannel 0: gonna say\n\nChannel 1: Mhmm.\n\nChannel 0: between two to three years. Beautiful. Now volatility. These are important.\n\nChannel 1: Yep.\n\nChannel 0: So investments can go up and down in value over time. It's called volatility. How much could your let's say you invest your super with us. How much could your superannuation drop and fall in value by before you start feeling concerned and anxious? K?\n\nHow much can it fall by? So one, more than 50%. Two, up to 50%. Three, up to 25%. Or four, up to 10%.\n\nChannel 1: Probably up to 25%.\n\nChannel 0: Okay. Good. And what based on that answer, what happens if, let's say, in six months after investing your funds plus, you find out that obviously in line with general trends with the market, so some sort of collapse, your portfolio has decreased by 20%. So that's then your portfolio essentially drops by what you go for. So about $10,000.\n\nYou lose 10\n\nChannel 1: Mhmm.\n\nChannel 0: thousand dollars in your portfolio, it's now sitting at 30,000 after six months. What would you do? Would you, one, invest heavily for future growth? Two, invest modestly for future growth? Three, hold and wait improvement?\n\nOr four, shift to more secure assets and tell me to get stuff?\n\nChannel 1: Oh, I don't know. What do you reckon I should do?\n\nChannel 0: Probably hold and wait and prove them up just while speaking to your professional, your financial\n\nChannel 1: Oh,\n\nChannel 0: professional?\n\nChannel 1: sure. Yeah.\n\nChannel 0: No. This is a very dumb question, but I'm gonna ask it anyway. So what kind of return and percentage do you want do you expect to achieve over the longer term? More than 8%? Between six and eight percent?\n\nBetween 46%? Or just tracking the cash?\n\nChannel 1: I'd say 8%.\n\nChannel 0: You're on the highest. Right? Yeah. I assume so. I don't even know why that question is there.\n\nChannel 1: Exactly. That's a dumb question, like you said.\n\nChannel 0: Alright. Alright. Last couple of questions. Have you thought about ever taking out a loan to invest? One, you borrowed or open to borrowing money for stocks and funds and manage funds and shares?\n\nOr or two, you have borrowed or open to borrowing for an investment property?\n\nChannel 1: Is that,\n\nChannel 0: You\n\nChannel 1: like, for now?\n\nChannel 0: Yeah. No. Just in the past, have you ever borrowed money to invest in a share portfolio?\n\nChannel 1: I don't borrow money to do an investment property.\n\nChannel 0: Yep. Perfect. That's the answer I need. Okay. And then based on that question, Regal, thinking about the way you answered it, how would taking out a loan right now to invest in in the assets make you feel?\n\nWould you say that you're very comfortable and happy to do so? Would you say that you're somewhat comfortable because you're causing up risks? Would you say that you're careful with borrowing and understand that it can be very risky? Or would you say extremely worried due to significant risks and will never consider doing it doing?\n\nChannel 1: I would never think about that one.\n\nChannel 0: You've been for me along the way. Okay. Okay. Would you like to know what kind of investments and what kind of invested you are?\n\nChannel 1: Yes. Let me know.\n\nChannel 0: Alright. Go more, please. So you are what we call a balanced investor. So pretty much on the on the most conservative side of investing there is. I am going to bump you I'm gonna leave you there, actually.\n\nSo I've got capacity in my my in my profession. I've got capacity to for my experience to move you up or down one risk profile. I can if you wanted better return at above 8%, obviously, more risk than higher return, but also high volatility and longer time. Right? If you're looking at a two to three year time horizon or two year time horizon, then you should be looking at a very defensive portfolio.\n\nSo if you're comfortable with that for a lower return in case the markets do change for the worst, I can put you in a very standard kind of tracking defensive portfolio. But if you did wanna make things a little bit pricier, I could I would be comfortable bumping you up to a balanced growth portfolio and doing a little bit more active management than usual. And just making sure that you know, if the market does drop, we sell cash and things like that.\n\nChannel 1: That I don't understand what you mean by that.\n\nChannel 0: Okay. So if you are invested in shares, your $40,000 is invested in shares, and The US market collapses.\n\nChannel 1: Yep.\n\nChannel 0: GFC two point o fell 61, right, over a year and a half. If you invested a 100% in bonds, you would not have been affected by that. If you invested\n\nChannel 1: Okay.\n\nChannel 0: a 100% in shares, you would have lost 61% of your money.\n\nChannel 1: Okay.\n\nChannel 0: So what I wanna try and do is make it like a fifty fifty kind of approach, like 50% of yours or 20,000 in shares and another 20,000 in high interest, like bonds and things like that. So\n\nChannel 1: Yep.\n\nChannel 0: that you get you get income, but you're also a little bit defensive because if we put you in a high growth or risky portfolio, all shares, and the market drops tomorrow,\n\nChannel 1: Okay.\n\nChannel 0: and GFC two point o happens in the next year and a half, you've only got six months to make that 51% back, which is not enough time.\n\nChannel 1: Yep.\n\nChannel 0: K? So I would be encouraging maybe a balanced growth portfolio. What that looks like is about 60% invested into the market around the world and another 40% invested into defensive assets.\n\nChannel 1: Is that\n\nChannel 0: Darren?\n\nChannel 1: what you recommend?\n\nChannel 0: Yeah. That's what I recommend.\n\nChannel 1: I'll do that then.\n\nChannel 0: Good.\n\nChannel 1: If that's what you recommend, we'll do what you said.\n\nChannel 0: Beautiful. Hey, well, don't don't get too overzealous just yet. I'm gonna see it work for us.\n\nChannel 1: Okay.\n\nChannel 0: Perfect. And look, that pretty much sums up. So when is a good time for me to get back in touch? Probably not next week. I'm fully booked.\n\nBut the week after, I'm currently in Melbourne.\n\nChannel 1: Well, I work on Tuesday, Thursday, Saturday. So if you wanna do Monday, Wednesday, Friday, any of those days, because that way, I'm at home.\n\nChannel 0: I don't really do Wednesday. Did you wanna come into the office? Or\n\nChannel 1: Yes. You want me to come into the office so I can do that?\n\nChannel 0: Yeah. It makes our life a lot easier as well because we found all\n\nChannel 1: Yep.\n\nChannel 0: the printers. We got every scan and everything there. And we can, like, actually sit down and go through it, and you can be in the boardroom and all the rest of it.\n\nChannel 1: Yep.\n\nChannel 0: Alright. I will shoot you through a calendar invite. So accept that when you're ready. And,\n\nChannel 1: Yep.\n\nChannel 0: yeah, I'll also shoot you you've already provided all your documents, haven't you?\n\nChannel 1: From rest.\n\nChannel 0: Yeah. For rest.\n\nChannel 1: Yeah. I got the yeah. Madison. I got them all and sent them to Madison. I thought she\n\nChannel 0: Amazing.\n\nChannel 1: would have given them to you because I thought she said she was gonna give them to you.\n\nChannel 0: Yeah. No. I've had a look through them. They are saved in the file. I was just hoping that all of it was there.\n\nSo I did that. Yeah. And the rest gave you a full full consolidated rundown. Correct?\n\nChannel 1: Yeah. I was Madison told me what I had to ask them, and I asked them every question in the charts, and I wrote down everything they said. Yeah. And I emailed them all to\n\nChannel 0: Amazing. Amazing. And did you mail did\n\nChannel 1: her.\n\nChannel 0: you email just in writing, or was it an actual statement?\n\nChannel 1: No. It's just an email in writing.\n\nChannel 0: Okay. Is there any way that you can grab a statement?\n\nChannel 1: Wrist won't do a statement because I asked them that, and they said all they can do is tell me over the phone. I don't know when they send their statements out. I actually, I don't think I can get statements from Wrist.\n\nChannel 0: Wow. Okay. Right. We're gonna get you out of rest because, yeah, you it's your money that you've\n\nChannel 1: Because\n\nChannel 0: worked\n\nChannel 1: when I\n\nChannel 0: really\n\nChannel 1: asked\n\nChannel 0: hard\n\nChannel 1: so when\n\nChannel 0: for.\n\nChannel 1: I asked her about it, and I said, oh, can you email them to me? She said, we can't email them. She said, I can tell you over the phone. I went, oh, okay. So I had to sit there\n\nChannel 0: That's\n\nChannel 1: and write\n\nChannel 0: not\n\nChannel 1: everything down that she\n\nChannel 0: that's\n\nChannel 1: was\n\nChannel 0: not\n\nChannel 1: telling\n\nChannel 0: really\n\nChannel 1: me.\n\nChannel 0: everything she just said is not right. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: It's it's your money. It's your superannuation. And they're the you're the customer. And they're the product. They should be able to provide you for tax purposes, a statement whenever you like.\n\nChannel 1: Yep. Well, as I said, I asked her and she went, I can only tell you over the phone. So I said when she was telling me that Madison sent me a list of what I had to ask her. So I was asking her that and as she was telling me, I was writing it down and then I sent that to Madison in a in an email.\n\nChannel 0: No. That's it. I think just just for compliance, but because I need to make sure that I've got some sort of edited backing. K.\n\nChannel 1: Yep.\n\nChannel 0: So don't stress too hard about it. I'll if we do need something, like, I'm gonna ask for your IDs and your TFA and stuff like that in email. So if you can get that through to us, if you haven't already, that'll be great. But other than that, thank you for your time, and\n\nChannel 1: No worries.\n\nChannel 0: that concludes your complimentary initial consultation. How do I do it? Out of\n\nChannel 1: Very\n\nChannel 0: time.\n\nChannel 1: good.\n\nChannel 0: Beautiful. I've\n\nChannel 1: So\n\nChannel 0: done\n\nChannel 1: what\n\nChannel 0: it\n\nChannel 1: I'll do\n\nChannel 0: a few times.\n\nChannel 1: is so I'll see you next Wednesday.\n\nChannel 0: No. The week after.\n\nChannel 1: The week after. Yep. That's it. Whichever,\n\nChannel 0: Correct.\n\nChannel 1: just let me know, yep, when it is, and I'll be there.\n\nChannel 0: Beautiful. I'll send you a calendar invite now to the Margaret Manning email at Hotmail, and you should receive that shortly. And yeah. What? Thank you for your time.\n\nLet's get to work.\n\nChannel 1: No worries. Thanks, Debbie.\n\nChannel 0: See you. Bye.\n\nChannel 1: Okay. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.24,"end":0.71999997,"sentiment":"neutral","sentiment_score":0.019404858350753784},{"text":"Yeah.","start":0.71999997,"end":0.96,"sentiment":"neutral","sentiment_score":0.049237288534641266},{"text":"I got Hello?","start":0.96,"end":3.9399998,"sentiment":"neutral","sentiment_score":0.03707262811561426}],"sentiment":"neutral","sentiment_score":0.035972006246447565,"channel":1,"num_words":5,"start":0.24,"end":3.9399998},{"sentences":[{"text":"Now you said","start":4.72,"end":5.68,"sentiment":"neutral","sentiment_score":0.07258440057436626}],"sentiment":"neutral","sentiment_score":0.07258440057436626,"channel":0,"num_words":3,"start":4.72,"end":5.68},{"sentences":[{"text":"Hi,","start":5.6,"end":6.0,"sentiment":"neutral","sentiment_score":0.1068454533815384}],"sentiment":"neutral","sentiment_score":0.1068454533815384,"channel":1,"num_words":1,"start":5.6,"end":6.0},{"sentences":[{"text":"he's 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Darren.","start":15.405,"end":16.625,"sentiment":"positive","sentiment_score":0.49187120199203493}],"sentiment":"positive","sentiment_score":0.49187120199203493,"channel":0,"num_words":5,"start":15.405,"end":16.625},{"sentences":[{"text":"Yes.","start":18.645,"end":19.145,"sentiment":"neutral","sentiment_score":0.22916366159915924}],"sentiment":"neutral","sentiment_score":0.22916366159915924,"channel":1,"num_words":1,"start":18.645,"end":19.145},{"sentences":[{"text":"Alright.","start":20.765,"end":21.165,"sentiment":"neutral","sentiment_score":0.2246994227170944},{"text":"Well, I guess, we'll start off with how can we help.","start":21.165,"end":24.305,"sentiment":"neutral","sentiment_score":0.24218485978516666}],"sentiment":"neutral","sentiment_score":0.24072774002949396,"channel":0,"num_words":12,"start":20.765,"end":24.305},{"sentences":[{"text":"Okay.","start":24.965,"end":25.285,"sentiment":"neutral","sentiment_score":0.06581179797649384},{"text":"Well, because you were talking about something before when you were talking down about with mine as well.","start":25.285,"end":30.585,"sentiment":"neutral","sentiment_score":0.00583905592146847}],"sentiment":"neutral","sentiment_score":0.0089955160296277,"channel":1,"num_words":19,"start":24.965,"end":30.585},{"sentences":[{"text":"Yeah.","start":31.939999,"end":32.44,"sentiment":"neutral","sentiment_score":0.005078298971056938},{"text":"Possibly.","start":33.22,"end":33.72,"sentiment":"neutral","sentiment_score":-0.005221603438258171},{"text":"It depends on your so I'm assuming just from memory, I think it has to do with that transition to retirement 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one","start":59.545,"end":60.24,"sentiment":"neutral","sentiment_score":0.015632038936018944}],"sentiment":"neutral","sentiment_score":0.016067168010132655,"channel":1,"num_words":14,"start":56.985,"end":60.24},{"sentences":[{"text":"You're alright.","start":61.17,"end":61.73,"sentiment":"neutral","sentiment_score":0.10737812519073486},{"text":"Take your time.","start":61.73,"end":62.61,"sentiment":"neutral","sentiment_score":0.12232905626296997}],"sentiment":"neutral","sentiment_score":0.11634868383407593,"channel":0,"num_words":5,"start":61.17,"end":62.61},{"sentences":[{"text":"second.","start":62.56,"end":63.06,"sentiment":"neutral","sentiment_score":0.05322042107582092}],"sentiment":"neutral","sentiment_score":0.05322042107582092,"channel":1,"num_words":1,"start":62.56,"end":63.06},{"sentences":[{"text":"All good.","start":62.61,"end":63.27,"sentiment":"neutral","sentiment_score":0.21770327538251877}],"sentiment":"neutral","sentiment_score":0.21770327538251877,"channel":0,"num_words":2,"start":62.61,"end":63.27},{"sentences":[{"text":"It's not much.","start":64.240005,"end":65.22,"sentiment":"neutral","sentiment_score":-0.10162429263194402},{"text":"That's for sure.","start":65.36,"end":66.340004,"sentiment":"neutral","sentiment_score":-0.016848656659324963}],"sentiment":"neutral","sentiment_score":-0.059236474645634495,"channel":1,"num_words":6,"start":64.240005,"end":66.340004},{"sentences":[{"text":"Is it under $18,200?","start":66.85,"end":69.51,"sentiment":"neutral","sentiment_score":-0.01693313312716782}],"sentiment":"neutral","sentiment_score":-0.01693313312716782,"channel":0,"num_words":4,"start":66.85,"end":69.51},{"sentences":[{"text":"18 or 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20","start":76.625,"end":77.205,"sentiment":"neutral","sentiment_score":-0.03007268812507391}],"sentiment":"neutral","sentiment_score":-0.03939265695710977,"channel":1,"num_words":3,"start":76.305,"end":77.205},{"sentences":[{"text":"Twenty one?","start":78.354996,"end":78.915,"sentiment":"neutral","sentiment_score":-0.031129609793424606},{"text":"Okay.","start":78.915,"end":79.395,"sentiment":"neutral","sentiment_score":-0.010553424246609213},{"text":"So let me just write that down.","start":79.395,"end":81.155,"sentiment":"neutral","sentiment_score":-0.0028652032571179526},{"text":"So so the reason why I asked that question is because $18,200 is what we call tax free 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rate.","start":147.89,"end":149.75,"sentiment":"neutral","sentiment_score":-0.04511361557524651}],"sentiment":"neutral","sentiment_score":0.07380757208115288,"channel":0,"num_words":42,"start":132.705,"end":149.75},{"sentences":[{"text":"Yep.","start":149.86,"end":150.18,"sentiment":"neutral","sentiment_score":0.1920948028564453}],"sentiment":"neutral","sentiment_score":0.1920948028564453,"channel":1,"num_words":1,"start":149.86,"end":150.18},{"sentences":[{"text":"But","start":150.07501,"end":150.315,"sentiment":"neutral","sentiment_score":0.1648213267326355}],"sentiment":"neutral","sentiment_score":0.1648213267326355,"channel":0,"num_words":1,"start":150.07501,"end":150.315},{"sentences":[{"text":"Alright.","start":150.18,"end":150.68,"sentiment":"neutral","sentiment_score":0.2355007529258728}],"sentiment":"neutral","sentiment_score":0.2355007529258728,"channel":1,"num_words":1,"start":150.18,"end":150.68},{"sentences":[{"text":"every dollar you put every dollar over 18,200, say 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money.","start":1048.25,"end":1049.6901,"sentiment":"positive","sentiment_score":0.45596212645371753},{"text":"Right?","start":1049.6901,"end":1050.01,"sentiment":"neutral","sentiment_score":0.2999502718448639},{"text":"That's","start":1050.01,"end":1050.41,"sentiment":"positive","sentiment_score":0.35628318786621094}],"sentiment":"positive","sentiment_score":0.4240007773041725,"channel":0,"num_words":8,"start":1048.25,"end":1050.41},{"sentences":[{"text":"Mhmm.","start":1050.41,"end":1050.91,"sentiment":"positive","sentiment_score":0.3712726831436157}],"sentiment":"positive","sentiment_score":0.3712726831436157,"channel":1,"num_words":1,"start":1050.41,"end":1050.91},{"sentences":[{"text":"how the whole system works.","start":1050.41,"end":1051.6901,"sentiment":"positive","sentiment_score":0.4009867489337921},{"text":"So between the both of you, where my head's at is going, well, if you want a thousand dollars a week, that's $52,000 in a year because it's 50 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inclusive.","start":1073.755,"end":1076.1499,"sentiment":"neutral","sentiment_score":0.16331539154052735},{"text":"Right?","start":1076.2899,"end":1076.7899,"sentiment":"neutral","sentiment_score":0.10489968955516817}],"sentiment":"neutral","sentiment_score":0.12335860013961791,"channel":0,"num_words":26,"start":1064.475,"end":1076.7899},{"sentences":[{"text":"Yep.","start":1077.19,"end":1077.69,"sentiment":"neutral","sentiment_score":0.08759534358978271}],"sentiment":"neutral","sentiment_score":0.08759534358978271,"channel":1,"num_words":1,"start":1077.19,"end":1077.69},{"sentences":[{"text":"If I divide that by 7%, so what I'm trying to work out is what what balance do we need to have to start off with?","start":1077.4099,"end":1088.115,"sentiment":"neutral","sentiment_score":0.03293198282615496},{"text":"What by the time you get to age 67, what balance do you both accumulated need to be able to grow by 5% to live off at least to make at least 52,000","start":1088.195,"end":1100.035,"sentiment":"neutral","sentiment_score":0.047049697544990166}],"sentiment":"neutral","sentiment_score":0.040828331736689906,"channel":0,"num_words":59,"start":1077.4099,"end":1100.035},{"sentences":[{"text":"Mhmm.","start":1099.77,"end":1100.27,"sentiment":"neutral","sentiment_score":0.02525478787720203}],"sentiment":"neutral","sentiment_score":0.02525478787720203,"channel":1,"num_words":1,"start":1099.77,"end":1100.27},{"sentences":[{"text":"dollars in a year?","start":1100.035,"end":1100.995,"sentiment":"neutral","sentiment_score":0.01600377610884607},{"text":"Does that make sense?","start":1100.995,"end":1101.875,"sentiment":"neutral","sentiment_score":0.03816519118845463},{"text":"So","start":1101.875,"end":1102.035,"sentiment":"neutral","sentiment_score":0.08614661544561386}],"sentiment":"neutral","sentiment_score":0.03364694273720185,"channel":0,"num_words":9,"start":1100.035,"end":1102.035},{"sentences":[{"text":"Yep.","start":1102.25,"end":1102.73,"sentiment":"neutral","sentiment_score":0.13760443031787872},{"text":"Yep.","start":1102.73,"end":1103.23,"sentiment":"neutral","sentiment_score":0.13577619194984436}],"sentiment":"neutral","sentiment_score":0.13669031113386154,"channel":1,"num_words":2,"start":1102.25,"end":1103.23},{"sentences":[{"text":"and that number is 1,000 oh, sorry.","start":1102.78,"end":1106.0599,"sentiment":"neutral","sentiment_score":0.15679387003183365},{"text":"$1,040,000.","start":1106.0599,"end":1108.24,"sentiment":"neutral","sentiment_score":0.1211777925491333}],"sentiment":"neutral","sentiment_score":0.1523418603464961,"channel":0,"num_words":8,"start":1102.78,"end":1108.24},{"sentences":[{"text":"Mhmm.","start":1108.81,"end":1109.31,"sentiment":"neutral","sentiment_score":0.08548495173454285}],"sentiment":"neutral","sentiment_score":0.08548495173454285,"channel":1,"num_words":1,"start":1108.81,"end":1109.31},{"sentences":[{"text":"So accumulated until the time of retirement, you know, you if we can somehow work out a way to get a combined asset pool between both of you worth $1,040,000.","start":1109.02,"end":1122.085,"sentiment":"neutral","sentiment_score":0.1784253699084123},{"text":"I mean, and then you can even go 6%.","start":1122.085,"end":1124.4049,"sentiment":"neutral","sentiment_score":0.19956021342012617},{"text":"Like, 6% because the cash rate's really the cash rate's 4.35%.","start":1124.4049,"end":1129.205,"sentiment":"neutral","sentiment_score":0.1540192331780087},{"text":"So your money in the bank's making at least 4.35% every year.","start":1129.205,"end":1132.9049,"sentiment":"neutral","sentiment_score":0.16688246838748455}],"sentiment":"neutral","sentiment_score":0.1749291000587325,"channel":0,"num_words":62,"start":1109.02,"end":1132.9049},{"sentences":[{"text":"Yep.","start":1132.99,"end":1133.49,"sentiment":"neutral","sentiment_score":0.12370096892118454}],"sentiment":"neutral","sentiment_score":0.12370096892118454,"channel":1,"num_words":1,"start":1132.99,"end":1133.49},{"sentences":[{"text":"Alright.","start":1133.33,"end":1133.49,"sentiment":"neutral","sentiment_score":0.15930147469043732},{"text":"So let's say 6%.","start":1133.49,"end":1134.85,"sentiment":"neutral","sentiment_score":0.12371773459017277},{"text":"So 1 $52,000 divided by 0.06.","start":1134.85,"end":1139.43,"sentiment":"neutral","sentiment_score":0.08611422404646873},{"text":"So we need to get combined asset pool of $866 and 6 $666, essentially.","start":1139.57,"end":1146.71,"sentiment":"neutral","sentiment_score":0.13380193603890284}],"sentiment":"neutral","sentiment_score":0.12176339447498322,"channel":0,"num_words":25,"start":1133.33,"end":1146.71},{"sentences":[{"text":"Mhmm.","start":1146.225,"end":1146.725,"sentiment":"neutral","sentiment_score":0.06435587257146835}],"sentiment":"neutral","sentiment_score":0.06435587257146835,"channel":1,"num_words":1,"start":1146.225,"end":1146.725},{"sentences":[{"text":"So you're looking at about somewhere around the $8.70 mark, just to 900,000.","start":1147.245,"end":1152.785,"sentiment":"neutral","sentiment_score":0.07851595431566238},{"text":"So combined asset goal, if we can get both to be there, Darren's obviously got five to seven 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about?","start":1237.36,"end":1241.105,"sentiment":"neutral","sentiment_score":0.08698181541902679},{"text":"Like, how do I go about doing that?","start":1241.105,"end":1243.445,"sentiment":"neutral","sentiment_score":0.07361161522567272}],"sentiment":"neutral","sentiment_score":0.0821199244396253,"channel":1,"num_words":22,"start":1237.36,"end":1243.445},{"sentences":[{"text":"so what I will do is give you an itinerary breakdown.","start":1244.0651,"end":1247.5851,"sentiment":"neutral","sentiment_score":0.13170623914761978},{"text":"What we're gonna do is go through what we find out a little bit about you guys and what you you're individually as a person as Margie wants.","start":1247.5851,"end":1256.13,"sentiment":"neutral","sentiment_score":0.1653315531355994},{"text":"And I just found that out.","start":1256.51,"end":1257.79,"sentiment":"neutral","sentiment_score":0.21651032815376917},{"text":"So after that, I'll show you a little bit more about us, which is the financial services 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age.","start":1307.3,"end":1310.28,"sentiment":"neutral","sentiment_score":0.14869343572192723},{"text":"What did you wanna use that $1,000 for?","start":1310.5,"end":1312.98,"sentiment":"neutral","sentiment_score":0.09554264834150672},{"text":"You said something about travel.","start":1312.98,"end":1314.6,"sentiment":"neutral","sentiment_score":0.02204976826906204}],"sentiment":"neutral","sentiment_score":0.12860627674187222,"channel":0,"num_words":24,"start":1305.6849,"end":1314.6},{"sentences":[{"text":"Oh, because we, yeah, because we like traveling.","start":1315.12,"end":1317.4401,"sentiment":"neutral","sentiment_score":0.14167856611311436},{"text":"Like, we only stop because by now so now my needs are better.","start":1317.4401,"end":1320.465,"sentiment":"neutral","sentiment_score":0.053277814330962986},{"text":"We're gonna start traveling 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no.","start":1490.695,"end":1491.815,"sentiment":"neutral","sentiment_score":-0.041895377139250435},{"text":"Just focusing doing what we kind of work on a plan with yourself and Baron just to try and get this in ASAP.","start":1491.815,"end":1498.395,"sentiment":"neutral","sentiment_score":0.06940913540513619}],"sentiment":"neutral","sentiment_score":0.056566307034630045,"channel":0,"num_words":26,"start":1490.695,"end":1498.395},{"sentences":[{"text":"Yeah.","start":1499.335,"end":1499.835,"sentiment":"neutral","sentiment_score":-0.016020191833376884},{"text":"Just like so that I know that, like, if when I do retire that, like, it's not gonna be that we really can't afford for me to retire.","start":1499.8949,"end":1507.2599,"sentiment":"neutral","sentiment_score":-0.14837077472891128},{"text":"Like, I'd rather retire before two years.","start":1507.6399,"end":1509.5599,"sentiment":"neutral","sentiment_score":-0.12352945655584335},{"text":"I'd rather Dan retire before he's even 65 if he can, but that's only another","start":1509.5599,"end":1514.84,"sentiment":"neutral","sentiment_score":-0.10289066781600316}],"sentiment":"neutral","sentiment_score":-0.128989570536742,"channel":1,"num_words":51,"start":1499.335,"end":1514.84},{"sentences":[{"text":"Yeah.","start":1514.8049,"end":1515.3049,"sentiment":"neutral","sentiment_score":-0.06340721994638443}],"sentiment":"neutral","sentiment_score":-0.06340721994638443,"channel":0,"num_words":1,"start":1514.8049,"end":1515.3049},{"sentences":[{"text":"five years.","start":1514.84,"end":1515.24,"sentiment":"neutral","sentiment_score":-0.1138511560857296},{"text":"So I don't know if he can do that, but that would be lovely if you","start":1515.24,"end":1518.165,"sentiment":"neutral","sentiment_score":-0.07501835748553276}],"sentiment":"neutral","sentiment_score":-0.07933311288555463,"channel":1,"num_words":18,"start":1514.84,"end":1518.165},{"sentences":[{"text":"Well, when we catch up and I go through the 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want it.","start":1528.2899,"end":1531.9099,"sentiment":"neutral","sentiment_score":-0.0271328275402387},{"text":"But what we can do is actually break it down for both of you so you can have, like, an overall scope, an overall idea of what the plan is and how long it's gonna take and what it's gonna look like.","start":1532.37,"end":1542.585,"sentiment":"positive","sentiment_score":0.48473060840652105}],"sentiment":"positive","sentiment_score":0.36339308877911747,"channel":0,"num_words":79,"start":1521.6849,"end":1542.585},{"sentences":[{"text":"That 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let's say, superannuation, for for example, when you're looking at trying to there's always this catch 22.","start":1559.82,"end":1567.66,"sentiment":"neutral","sentiment_score":-0.005457309035894771},{"text":"Right?","start":1567.66,"end":1567.82,"sentiment":"neutral","sentiment_score":0.0032931119203567505},{"text":"And what we we call it risk.","start":1567.82,"end":1569.465,"sentiment":"neutral","sentiment_score":-0.04263409014259066},{"text":"There's a think of like a boiling pot when you think about investing.","start":1569.5449,"end":1572.9249,"sentiment":"neutral","sentiment_score":0.017836441500828817},{"text":"Think about a pot like the free riches in 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rest alright for me to have my soup in or should I speak with it?","start":1689.875,"end":1694.88,"sentiment":"neutral","sentiment_score":0.0098636444658041},{"text":"Are they alright to have it in?","start":1694.88,"end":1696.4199,"sentiment":"neutral","sentiment_score":0.012717341471995627}],"sentiment":"neutral","sentiment_score":0.010487890685908496,"channel":1,"num_words":32,"start":1689.875,"end":1696.4199},{"sentences":[{"text":"Well, so it's it's a hard one.","start":1697.85,"end":1700.73,"sentiment":"neutral","sentiment_score":-0.11874606886080333},{"text":"I can't really say because I haven't done numbers.","start":1700.73,"end":1702.91,"sentiment":"neutral","sentiment_score":-0.16038229978746837},{"text":"But I do know that you can get grouping discounts, so the super funds, not industry funds, retail funds to get you a better return, as we've seen with Darren.","start":1703.37,"end":1712.715,"sentiment":"neutral","sentiment_score":0.11556709222495556},{"text":"Rest look, 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contribution.","start":1797.4451,"end":1806.92,"sentiment":"neutral","sentiment_score":0.15609992534986564},{"text":"You've got let's say, after a year, you got $5,000 in your","start":1807.14,"end":1810.9,"sentiment":"neutral","sentiment_score":0.16101189206043878}],"sentiment":"neutral","sentiment_score":0.1575735153630376,"channel":0,"num_words":40,"start":1797.4451,"end":1810.9},{"sentences":[{"text":"Yep.","start":1810.7201,"end":1811.2201,"sentiment":"neutral","sentiment_score":0.12972848117351532}],"sentiment":"neutral","sentiment_score":0.12972848117351532,"channel":1,"num_words":1,"start":1810.7201,"end":1811.2201},{"sentences":[{"text":"Superfund.","start":1810.9,"end":1811.4,"sentiment":"neutral","sentiment_score":0.16389590501785278},{"text":"Alright?","start":1811.7001,"end":1812.2001,"sentiment":"neutral","sentiment_score":0.12348146736621857},{"text":"You'll you'll start you'll notice that you don't pay much in fees because of such a low balance.","start":1813.06,"end":1818.775,"sentiment":"neutral","sentiment_score":0.07289939311643441},{"text":"But the usually, when you get to the balance with most industry funds, when your balance gets to somewhere on the 50 to $80,000 depending on the fund, that kind of math, what happens is that percentage based fee starts building up.","start":1818.915,"end":1831.815,"sentiment":"neutral","sentiment_score":0.053905109520114604},{"text":"Alright?","start":1831.875,"end":1832.375,"sentiment":"neutral","sentiment_score":0.03712654486298561}],"sentiment":"neutral","sentiment_score":0.061915993542661744,"channel":0,"num_words":63,"start":1810.9,"end":1832.375},{"sentences":[{"text":"So 0.1% on $10,000 is a $100, but zero that same 0.1% on, you know, 500,000 is $5.","start":1833.65,"end":1843.11,"sentiment":"neutral","sentiment_score":0.04238010477274656}],"sentiment":"neutral","sentiment_score":0.04238010477274656,"channel":0,"num_words":18,"start":1833.65,"end":1843.11},{"sentences":[{"text":"Yes.","start":1843.75,"end":1844.25,"sentiment":"neutral","sentiment_score":0.09582022577524184}],"sentiment":"neutral","sentiment_score":0.09582022577524184,"channel":1,"num_words":1,"start":1843.75,"end":1844.25},{"sentences":[{"text":"So that that's what happens.","start":1843.89,"end":1845.41,"sentiment":"neutral","sentiment_score":0.16271570324897766},{"text":"That's usually where you see the larger balances above anywhere from 50 to $80,000 compensating for the small balance.","start":1845.41,"end":1852.6951,"sentiment":"neutral","sentiment_score":0.201588710671977},{"text":"So you're paying for the smaller balance card, essentially.","start":1852.6951,"end":1855.5951,"sentiment":"neutral","sentiment_score":0.23760160638226402},{"text":"So when you've got a lower balance, I think industry funds are amazing tool.","start":1856.935,"end":1861.56,"sentiment":"positive","sentiment_score":0.4483033503804888}],"sentiment":"neutral","sentiment_score":0.27783883791020575,"channel":0,"num_words":47,"start":1843.89,"end":1861.56},{"sentences":[{"text":"Yep.","start":1861.925,"end":1862.425,"sentiment":"neutral","sentiment_score":0.1386151909828186}],"sentiment":"neutral","sentiment_score":0.1386151909828186,"channel":1,"num_words":1,"start":1861.925,"end":1862.425},{"sentences":[{"text":"Anywhere below kind of you're back.","start":1862.1201,"end":1864.3,"sentiment":"neutral","sentiment_score":0.06564728915691376},{"text":"The balance you're kind of you got at the moment.","start":1864.3601,"end":1866.52,"sentiment":"neutral","sentiment_score":0.05780367217957973},{"text":"You you've got somewhere around the $4,050,000 to","start":1866.52,"end":1868.76,"sentiment":"neutral","sentiment_score":0.09075369220227003}],"sentiment":"neutral","sentiment_score":0.07074791643147667,"channel":0,"num_words":24,"start":1862.1201,"end":1868.76},{"sentences":[{"text":"I've","start":1868.7,"end":1868.94,"sentiment":"neutral","sentiment_score":0.08500548452138901}],"sentiment":"neutral","sentiment_score":0.08500548452138901,"channel":1,"num_words":1,"start":1868.7,"end":1868.94},{"sentences":[{"text":"use","start":1868.76,"end":1869.0,"sentiment":"neutral","sentiment_score":0.1224001869559288}],"sentiment":"neutral","sentiment_score":0.1224001869559288,"channel":0,"num_words":1,"start":1868.76,"end":1869.0},{"sentences":[{"text":"only","start":1868.94,"end":1869.1799,"sentiment":"neutral","sentiment_score":0.08526051044464111}],"sentiment":"neutral","sentiment_score":0.08526051044464111,"channel":1,"num_words":1,"start":1868.94,"end":1869.1799},{"sentences":[{"text":"of cooperation.","start":1869.0,"end":1869.5801,"sentiment":"neutral","sentiment_score":0.05231069587171078}],"sentiment":"neutral","sentiment_score":0.05231069587171078,"channel":0,"num_words":2,"start":1869.0,"end":1869.5801},{"sentences":[{"text":"gotten the yeah.","start":1869.1799,"end":1870.22,"sentiment":"neutral","sentiment_score":0.0519827331105868},{"text":"Yeah.","start":1870.22,"end":1870.5399,"sentiment":"neutral","sentiment_score":0.06082449108362198},{"text":"See, I used half of it for for my surgery.","start":1870.5399,"end":1873.2,"sentiment":"neutral","sentiment_score":0.07917659506201744}],"sentiment":"neutral","sentiment_score":0.07203847435968262,"channel":1,"num_words":14,"start":1869.1799,"end":1873.2},{"sentences":[{"text":"Yeah.","start":1873.8,"end":1874.04,"sentiment":"neutral","sentiment_score":0.0547967366874218},{"text":"And how much do you have left at the moment?","start":1874.04,"end":1875.9,"sentiment":"neutral","sentiment_score":0.03300147317349911}],"sentiment":"neutral","sentiment_score":0.0349828607656739,"channel":0,"num_words":11,"start":1873.8,"end":1875.9},{"sentences":[{"text":"I think there's 40 I think it was 43,000.","start":1875.74,"end":1878.96,"sentiment":"neutral","sentiment_score":0.017660573952727847}],"sentiment":"neutral","sentiment_score":0.017660573952727847,"channel":1,"num_words":9,"start":1875.74,"end":1878.96},{"sentences":[{"text":"K.","start":1880.195,"end":1880.595,"sentiment":"neutral","sentiment_score":0.030376221984624863},{"text":"But look.","start":1880.595,"end":1881.155,"sentiment":"neutral","sentiment_score":0.04241919331252575},{"text":"It it might be worthwhile having a look at the numbers and just making sure that it's it it is beneficial because there are","start":1881.155,"end":1888.755,"sentiment":"neutral","sentiment_score":0.09353094858427842}],"sentiment":"neutral","sentiment_score":0.08740582869008735,"channel":0,"num_words":27,"start":1880.195,"end":1888.755},{"sentences":[{"text":"Well,","start":1888.665,"end":1888.825,"sentiment":"neutral","sentiment_score":0.05072514712810517}],"sentiment":"neutral","sentiment_score":0.05072514712810517,"channel":1,"num_words":1,"start":1888.665,"end":1888.825},{"sentences":[{"text":"grouping","start":1888.755,"end":1889.255,"sentiment":"neutral","sentiment_score":0.08268208056688309}],"sentiment":"neutral","sentiment_score":0.08268208056688309,"channel":0,"num_words":1,"start":1888.755,"end":1889.255},{"sentences":[{"text":"I sent all","start":1888.825,"end":1889.385,"sentiment":"neutral","sentiment_score":0.0829672912756602}],"sentiment":"neutral","sentiment_score":0.0829672912756602,"channel":1,"num_words":3,"start":1888.825,"end":1889.385},{"sentences":[{"text":"discount.","start":1889.315,"end":1889.815,"sentiment":"neutral","sentiment_score":0.10049932450056076}],"sentiment":"neutral","sentiment_score":0.10049932450056076,"channel":0,"num_words":1,"start":1889.315,"end":1889.815},{"sentences":[{"text":"that information to Madison.","start":1889.385,"end":1890.925,"sentiment":"neutral","sentiment_score":0.08276008442044258},{"text":"She wanted me to I got it all from rest and send it all to her.","start":1891.225,"end":1894.925,"sentiment":"neutral","sentiment_score":0.13200254226103425}],"sentiment":"neutral","sentiment_score":0.12215405069291592,"channel":1,"num_words":20,"start":1889.385,"end":1894.925},{"sentences":[{"text":"Beautiful.","start":1895.2999,"end":1895.7799,"sentiment":"positive","sentiment_score":0.7535521984100342},{"text":"That's exactly what I need.","start":1895.7799,"end":1897.24,"sentiment":"positive","sentiment_score":0.6844042539596558},{"text":"So what what I will do is essentially go to work.","start":1897.94,"end":1900.84,"sentiment":"neutral","sentiment_score":0.296824187040329},{"text":"I'll take that information, go to the market, and use my software, use my research, and look at absolutely every fund out there.","start":1900.9,"end":1908.2949,"sentiment":"neutral","sentiment_score":0.2535606026649475},{"text":"We've got this tool called xPlan.","start":1908.2949,"end":1910.075,"sentiment":"neutral","sentiment_score":0.31310796240965527}],"sentiment":"neutral","sentiment_score":0.32937350350877515,"channel":0,"num_words":46,"start":1895.2999,"end":1910.075},{"sentences":[{"text":"And","start":1910.5349,"end":1910.695,"sentiment":"neutral","sentiment_score":0.2561541199684143}],"sentiment":"neutral","sentiment_score":0.2561541199684143,"channel":0,"num_words":1,"start":1910.5349,"end":1910.695},{"sentences":[{"text":"Yep.","start":1910.5701,"end":1911.0701,"sentiment":"neutral","sentiment_score":0.28049466013908386}],"sentiment":"neutral","sentiment_score":0.28049466013908386,"channel":1,"num_words":1,"start":1910.5701,"end":1911.0701},{"sentences":[{"text":"because we've run our own license, we can look at every fund under under the sun.","start":1910.695,"end":1914.375,"sentiment":"neutral","sentiment_score":0.28761038463562727},{"text":"It doesn't bother us.","start":1914.375,"end":1915.495,"sentiment":"neutral","sentiment_score":0.2296820990741253},{"text":"So I'll","start":1915.495,"end":1915.8949,"sentiment":"neutral","sentiment_score":0.2123698741197586}],"sentiment":"neutral","sentiment_score":0.27023792266845703,"channel":0,"num_words":22,"start":1910.695,"end":1915.8949},{"sentences":[{"text":"Mhmm.","start":1915.805,"end":1916.305,"sentiment":"neutral","sentiment_score":0.16294750571250916}],"sentiment":"neutral","sentiment_score":0.16294750571250916,"channel":1,"num_words":1,"start":1915.805,"end":1916.305},{"sentences":[{"text":"find out if there is a cheaper one.","start":1915.8949,"end":1917.4149,"sentiment":"neutral","sentiment_score":0.11642373166978359},{"text":"And if it's so, then does it get you a better return?","start":1917.4149,"end":1920.75,"sentiment":"neutral","sentiment_score":0.17160861566662788},{"text":"That's","start":1921.21,"end":1921.61,"sentiment":"neutral","sentiment_score":0.20672574639320376}],"sentiment":"neutral","sentiment_score":0.15225804703576223,"channel":0,"num_words":21,"start":1915.8949,"end":1921.61},{"sentences":[{"text":"Yep.","start":1921.245,"end":1921.745,"sentiment":"neutral","sentiment_score":0.20553474128246307}],"sentiment":"neutral","sentiment_score":0.20553474128246307,"channel":1,"num_words":1,"start":1921.245,"end":1921.745},{"sentences":[{"text":"pretty much the aim of the game.","start":1921.61,"end":1923.15,"sentiment":"neutral","sentiment_score":0.2961207457951137}],"sentiment":"neutral","sentiment_score":0.2961207457951137,"channel":0,"num_words":7,"start":1921.61,"end":1923.15},{"sentences":[{"text":"Not a problem.","start":1923.3251,"end":1924.145,"sentiment":"neutral","sentiment_score":0.18779676159222922}],"sentiment":"neutral","sentiment_score":0.18779676159222922,"channel":1,"num_words":3,"start":1923.3251,"end":1924.145},{"sentences":[{"text":"Also notice that you got insurances.","start":1924.65,"end":1926.27,"sentiment":"neutral","sentiment_score":0.0435948713372151},{"text":"Do you have insurances inside your rest coupon?","start":1928.97,"end":1931.71,"sentiment":"neutral","sentiment_score":0.008872599224559963}],"sentiment":"neutral","sentiment_score":0.023753572987126454,"channel":0,"num_words":14,"start":1924.65,"end":1931.71},{"sentences":[{"text":"Yes.","start":1931.94,"end":1932.44,"sentiment":"neutral","sentiment_score":-0.0020109890028834343}],"sentiment":"neutral","sentiment_score":-0.0020109890028834343,"channel":1,"num_words":1,"start":1931.94,"end":1932.44},{"sentences":[{"text":"Why do you have insurances?","start":1934.005,"end":1935.305,"sentiment":"neutral","sentiment_score":-0.04249491840600968}],"sentiment":"neutral","sentiment_score":-0.04249491840600968,"channel":0,"num_words":5,"start":1934.005,"end":1935.305},{"sentences":[{"text":"I don't know.","start":1936.4199,"end":1937.0599,"sentiment":"neutral","sentiment_score":-0.10093317180871964},{"text":"I never that just came with the Superfund, I think.","start":1937.0599,"end":1941.095,"sentiment":"neutral","sentiment_score":-0.090693399310112}],"sentiment":"neutral","sentiment_score":-0.09305642373286761,"channel":1,"num_words":13,"start":1936.4199,"end":1941.095},{"sentences":[{"text":"K.","start":1941.4451,"end":1941.685,"sentiment":"neutral","sentiment_score":-0.00980200618505478},{"text":"Well, you're paying for them from the super 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yourself.","start":1972.855,"end":1977.87,"sentiment":"neutral","sentiment_score":-0.03481122315861285}],"sentiment":"neutral","sentiment_score":-0.07478084243260898,"channel":0,"num_words":52,"start":1958.66,"end":1977.87},{"sentences":[{"text":"And the best","start":1978.11,"end":1978.67,"sentiment":"neutral","sentiment_score":0.030767845610777538}],"sentiment":"neutral","sentiment_score":0.030767845610777538,"channel":0,"num_words":3,"start":1978.11,"end":1978.67},{"sentences":[{"text":"Yes.","start":1978.6151,"end":1979.1151,"sentiment":"neutral","sentiment_score":0.03727200999855995}],"sentiment":"neutral","sentiment_score":0.03727200999855995,"channel":1,"num_words":1,"start":1978.6151,"end":1979.1151},{"sentences":[{"text":"outcome is nothing happens.","start":1978.67,"end":1980.05,"sentiment":"neutral","sentiment_score":-0.011411719955503939},{"text":"Like you.","start":1980.99,"end":1981.65,"sentiment":"neutral","sentiment_score":-0.043064847588539124},{"text":"Essentially, nothing happened.","start":1982.03,"end":1983.25,"sentiment":"neutral","sentiment_score":-0.038160018622875214},{"text":"Alright?","start":1984.27,"end":1984.75,"sentiment":"neutral","sentiment_score":0.07193967700004578},{"text":"And to be able to make a life or, thankfully, a life or a TPD claim.","start":1984.75,"end":1989.97,"sentiment":"neutral","sentiment_score":0.11940271101775579}],"sentiment":"neutral","sentiment_score":0.06677409316986226,"channel":0,"num_words":26,"start":1978.67,"end":1989.97},{"sentences":[{"text":"So all the premiums you've been paying per annum, and I'll find out what those are and let you know.","start":1990.3049,"end":1995.445,"sentiment":"neutral","sentiment_score":-0.008896344993263482},{"text":"But all those premiums that you've been paying per annum, are you super to an insurance company?","start":1995.6649,"end":1999.9249,"sentiment":"neutral","sentiment_score":-0.07006676900474464},{"text":"You're not gonna get a refund of them if you don't claim 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for enough, which is not","start":2011.15,"end":2024.1849,"sentiment":"neutral","sentiment_score":-0.1904628843716953}],"sentiment":"neutral","sentiment_score":-0.28993056987722715,"channel":0,"num_words":60,"start":2005.39,"end":2024.1849},{"sentences":[{"text":"Yep.","start":2023.965,"end":2024.465,"sentiment":"neutral","sentiment_score":-0.10277585685253143}],"sentiment":"neutral","sentiment_score":-0.10277585685253143,"channel":1,"num_words":1,"start":2023.965,"end":2024.465},{"sentences":[{"text":"leaving behind any debts for your family.","start":2024.1849,"end":2026.265,"sentiment":"neutral","sentiment_score":-0.22376987125192369},{"text":"You don't have any debts, so what's the point in paying a premium for it?","start":2026.265,"end":2029.725,"sentiment":"neutral","sentiment_score":-0.18703273634115855}],"sentiment":"neutral","sentiment_score":-0.19872182472185654,"channel":0,"num_words":22,"start":2024.1849,"end":2029.725},{"sentences":[{"text":"Well, that's 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years.","start":2038.04,"end":2041.5801,"sentiment":"neutral","sentiment_score":-0.015021833923778363},{"text":"So it's just I think they just said, you know, do you want that?","start":2043.72,"end":2046.04,"sentiment":"neutral","sentiment_score":-0.07903626135417394},{"text":"I was just like, yeah.","start":2046.04,"end":2046.84,"sentiment":"neutral","sentiment_score":-0.10557380840182304}],"sentiment":"neutral","sentiment_score":-0.03671694358285421,"channel":1,"num_words":39,"start":2035.9601,"end":2046.84},{"sentences":[{"text":"Okay.","start":2046.84,"end":2047.16,"sentiment":"neutral","sentiment_score":0.002446003258228302},{"text":"Whatever you think I should have.","start":2047.16,"end":2048.78,"sentiment":"neutral","sentiment_score":-0.09247549250721931},{"text":"That's what I was doing with them.","start":2048.885,"end":2050.165,"sentiment":"neutral","sentiment_score":-0.06058742318834577},{"text":"I 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employments?","start":2054.215,"end":2055.515,"sentiment":"neutral","sentiment_score":-0.024243077884117763},{"text":"Or","start":2055.735,"end":2056.235,"sentiment":"neutral","sentiment_score":-0.02980802394449711}],"sentiment":"neutral","sentiment_score":-0.0256343143992126,"channel":0,"num_words":4,"start":2054.215,"end":2056.235},{"sentences":[{"text":"Do I or did I?","start":2057.925,"end":2059.305,"sentiment":"neutral","sentiment_score":-0.03356431126594543}],"sentiment":"neutral","sentiment_score":-0.03356431126594543,"channel":1,"num_words":5,"start":2057.925,"end":2059.305},{"sentences":[{"text":"did you say between 1993 until now?","start":2059.5898,"end":2062.97,"sentiment":"neutral","sentiment_score":-0.029412752549563135},{"text":"Did you only work for cashes?","start":2063.2698,"end":2064.8699,"sentiment":"neutral","sentiment_score":-0.04216667326788107},{"text":"Or was there other 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worked","start":2066.7,"end":2067.1,"sentiment":"neutral","sentiment_score":-0.051354771479964256}],"sentiment":"neutral","sentiment_score":-0.051354771479964256,"channel":1,"num_words":2,"start":2066.7,"end":2067.1},{"sentences":[{"text":"roles?","start":2066.8699,"end":2067.3699,"sentiment":"neutral","sentiment_score":-0.059990063309669495}],"sentiment":"neutral","sentiment_score":-0.059990063309669495,"channel":0,"num_words":1,"start":2066.8699,"end":2067.3699},{"sentences":[{"text":"at other ones, but I was always at rest.","start":2067.1,"end":2069.1,"sentiment":"neutral","sentiment_score":-0.045446440991428166},{"text":"I was always in 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you're working at Abigail?","start":2120.23,"end":2125.05,"sentiment":"neutral","sentiment_score":0.0005046998682831013}],"sentiment":"neutral","sentiment_score":0.0005046998682831013,"channel":0,"num_words":14,"start":2120.23,"end":2125.05},{"sentences":[{"text":"Shit.","start":2125.9,"end":2126.14,"sentiment":"neutral","sentiment_score":-0.03693994879722595},{"text":"Back then, I would never cruise.","start":2126.14,"end":2127.74,"sentiment":"neutral","sentiment_score":-0.20142306511600813},{"text":"Wasn't much.","start":2127.74,"end":2128.5598,"sentiment":"neutral","sentiment_score":-0.19998309761285782}],"sentiment":"neutral","sentiment_score":-0.18282717052433226,"channel":1,"num_words":9,"start":2125.9,"end":2128.5598},{"sentences":[{"text":"Would you would you say just on the average every year would be about $5,060,000?","start":2128.525,"end":2133.085,"sentiment":"neutral","sentiment_score":-0.05473214015364647},{"text":"Or","start":2133.085,"end":2133.585,"sentiment":"neutral","sentiment_score":-0.03781900927424431}],"sentiment":"neutral","sentiment_score":-0.053675069473683834,"channel":0,"num_words":16,"start":2128.525,"end":2133.585},{"sentences":[{"text":"Not not back then when I was working.","start":2134.5398,"end":2136.5598,"sentiment":"neutral","sentiment_score":-0.0940647441893816}],"sentiment":"neutral","sentiment_score":-0.0940647441893816,"channel":1,"num_words":8,"start":2134.5398,"end":2136.5598},{"sentences":[{"text":"yeah.","start":2137.085,"end":2137.325,"sentiment":"neutral","sentiment_score":-0.021550394594669346},{"text":"In today's dollars.","start":2137.325,"end":2138.465,"sentiment":"neutral","sentiment_score":-0.027492743606368702},{"text":"So would you say it would be somewhere around the I don't know.","start":2138.685,"end":2141.405,"sentiment":"neutral","sentiment_score":-0.04875083439625227},{"text":"Let's say $40,000 on average.","start":2141.405,"end":2143.38,"sentiment":"neutral","sentiment_score":-0.03798127099871636}],"sentiment":"neutral","sentiment_score":-0.042167992161756214,"channel":0,"num_words":22,"start":2137.085,"end":2143.38},{"sentences":[{"text":"Probably would have been.","start":2143.9749,"end":2145.095,"sentiment":"neutral","sentiment_score":-0.10604587197303772},{"text":"But see, you gotta think when I was when back in those at that day, I was only doing part time because I I had the two kids on my own.","start":2145.095,"end":2151.39,"sentiment":"neutral","sentiment_score":-0.14607193417126133},{"text":"So I wasn't 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superannuation industry scheme, that's just a hackathon.","start":2156.18,"end":2163.4148,"sentiment":"neutral","sentiment_score":-0.11669706863661607},{"text":"When that came up, employers have to pay.","start":2164.115,"end":2167.795,"sentiment":"neutral","sentiment_score":-0.13312537595629692},{"text":"If you were a PAYG employee, they have to pay the super guarantee contribution.","start":2167.795,"end":2172.055,"sentiment":"neutral","sentiment_score":-0.14601013277258193},{"text":"So","start":2172.78,"end":2173.28,"sentiment":"neutral","sentiment_score":-0.10925210267305374}],"sentiment":"neutral","sentiment_score":-0.13196462265082767,"channel":0,"num_words":35,"start":2156.18,"end":2173.28},{"sentences":[{"text":"Until I moved up here, I was actually doing down in Sydney, I was actually doing cash in 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would be very surprised if there isn't money line with the ATO or something like that.","start":2249.665,"end":2256.56,"sentiment":"negative","sentiment_score":-0.3541775080892775},{"text":"So what I'm gonna do is get you to sign what's called a a lost super authority.","start":2257.6602,"end":2261.76,"sentiment":"neutral","sentiment_score":-0.027282831902780077},{"text":"I'm gonna submit that with the ATO, and it takes about three to six months because they just the ATO are 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the asset has been, that $4.25 425,000 or so","start":2751.1,"end":2759.175,"sentiment":"neutral","sentiment_score":-0.005732667554790775}],"sentiment":"neutral","sentiment_score":-0.005732667554790775,"channel":0,"num_words":18,"start":2751.1,"end":2759.175},{"sentences":[{"text":"Mhmm.","start":2758.9575,"end":2759.4575,"sentiment":"neutral","sentiment_score":-0.0034331828355789185}],"sentiment":"neutral","sentiment_score":-0.0034331828355789185,"channel":1,"num_words":1,"start":2758.9575,"end":2759.4575},{"sentences":[{"text":"so that you can do up your house because your primary place of residence in your home is exempt.","start":2759.955,"end":2765.335,"sentiment":"neutral","sentiment_score":-0.03210445483656306},{"text":"So we can look at strategies like that.","start":2766.995,"end":2769.03,"sentiment":"neutral","sentiment_score":0.053277628030627966},{"text":"But right now, let's just focus on the 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let's say, and we refer them on to a new partner, and they drop the ball.","start":2860.1401,"end":2866.5798,"sentiment":"neutral","sentiment_score":0.2315725620303835},{"text":"Just make up for 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them.","start":3356.875,"end":3359.435,"sentiment":"neutral","sentiment_score":-0.22299986481666564},{"text":"We've managed to settle every discrepancy along the way except for, like, two or something because they just got dropped anyway.","start":3359.435,"end":3365.435,"sentiment":"neutral","sentiment_score":-0.22711333756645521}],"sentiment":"neutral","sentiment_score":-0.16663435335186394,"channel":0,"num_words":55,"start":3348.22,"end":3365.435},{"sentences":[{"text":"They were dumb.","start":3365.435,"end":3366.2551,"sentiment":"negative","sentiment_score":-0.7628211379051208}],"sentiment":"negative","sentiment_score":-0.7628211379051208,"channel":0,"num_words":3,"start":3365.435,"end":3366.2551},{"sentences":[{"text":"Yep.","start":3366.695,"end":3367.195,"sentiment":"neutral","sentiment_score":-0.11203301697969437}],"sentiment":"neutral","sentiment_score":-0.11203301697969437,"channel":1,"num_words":1,"start":3366.695,"end":3367.195},{"sentences":[{"text":"But if for some reason Bart tells you to get stuff and go away, then you can always go to what's called an EBR, an external dispute resolution.","start":3367.84,"end":3376.9,"sentiment":"neutral","sentiment_score":-0.08246429271197744}],"sentiment":"neutral","sentiment_score":-0.08246429271197744,"channel":0,"num_words":28,"start":3367.84,"end":3376.9},{"sentences":[{"text":"Mhmm.","start":3376.86,"end":3377.36,"sentiment":"neutral","sentiment_score":0.007451474200934172}],"sentiment":"neutral","sentiment_score":0.007451474200934172,"channel":1,"num_words":1,"start":3376.86,"end":3377.36},{"sentences":[{"text":"And that means that you get in touch with ATCO, the Australian Financial Complaints Authority, and all their 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all.","start":3409.8499,"end":3410.75,"sentiment":"neutral","sentiment_score":0.06394475574294727}],"sentiment":"neutral","sentiment_score":0.06394475574294727,"channel":1,"num_words":3,"start":3409.8499,"end":3410.75},{"sentences":[{"text":"Beautiful.","start":3411.235,"end":3411.735,"sentiment":"positive","sentiment_score":0.360135018825531},{"text":"Now I'm gonna run through a quick back point and then a risk profile.","start":3411.955,"end":3416.455,"sentiment":"neutral","sentiment_score":0.19436622091702052},{"text":"And after that, we are done.","start":3416.835,"end":3420.215,"sentiment":"neutral","sentiment_score":0.11473363886276881}],"sentiment":"neutral","sentiment_score":0.1795078068971634,"channel":0,"num_words":21,"start":3411.235,"end":3420.215},{"sentences":[{"text":"Not a 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me.","start":3445.4849,"end":3449.9849,"sentiment":"negative","sentiment_score":-0.4354364927858114}],"sentiment":"negative","sentiment_score":-0.3764884688637473,"channel":0,"num_words":22,"start":3442.9248,"end":3449.9849},{"sentences":[{"text":"No.","start":3451.025,"end":3451.265,"sentiment":"neutral","sentiment_score":-0.3217221200466156},{"text":"I don't have a middle name.","start":3451.265,"end":3452.4648,"sentiment":"neutral","sentiment_score":-0.3224135587612788},{"text":"My parents couldn't afford one.","start":3452.4648,"end":3453.9048,"sentiment":"negative","sentiment_score":-0.36056053042411806},{"text":"That's what I tell people.","start":3453.9048,"end":3455.125,"sentiment":"neutral","sentiment_score":-0.2878051161766052}],"sentiment":"neutral","sentiment_score":-0.3234136297422297,"channel":1,"num_words":17,"start":3451.025,"end":3455.125},{"sentences":[{"text":"I don't think it works that 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what's your name?","start":3467.42,"end":3468.94,"sentiment":"neutral","sentiment_score":0.02119661751203239},{"text":"You say your name and I go, do","start":3468.94,"end":3470.22,"sentiment":"neutral","sentiment_score":0.0028915777802467346}],"sentiment":"neutral","sentiment_score":0.022532018489743535,"channel":1,"num_words":19,"start":3466.3,"end":3470.22},{"sentences":[{"text":"yeah.","start":3470.025,"end":3470.525,"sentiment":"neutral","sentiment_score":0.01027446798980236}],"sentiment":"neutral","sentiment_score":0.01027446798980236,"channel":0,"num_words":1,"start":3470.025,"end":3470.525},{"sentences":[{"text":"you have a middle name?","start":3470.22,"end":3471.18,"sentiment":"neutral","sentiment_score":-0.01468372605741024},{"text":"No.","start":3471.18,"end":3471.34,"sentiment":"neutral","sentiment_score":-0.10977038741111755},{"text":"I don't.","start":3471.34,"end":3471.975,"sentiment":"neutral","sentiment_score":-0.09584875032305717},{"text":"Oh, you really 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I didn't know that.","start":3480.3699,"end":3481.89,"sentiment":"neutral","sentiment_score":-0.023194569535553454},{"text":"There you go.","start":3481.89,"end":3482.79,"sentiment":"neutral","sentiment_score":-0.007653979584574699},{"text":"Alright.","start":3482.93,"end":3483.43,"sentiment":"neutral","sentiment_score":0.06026681512594223},{"text":"I've got the majority of your assets.","start":3483.81,"end":3486.05,"sentiment":"neutral","sentiment_score":0.06401983329227992},{"text":"I've got your private place resident and your motor vehicle.","start":3486.05,"end":3489.33,"sentiment":"neutral","sentiment_score":0.07359171770513058}],"sentiment":"neutral","sentiment_score":0.042514924568912156,"channel":0,"num_words":26,"start":3480.3699,"end":3489.33},{"sentences":[{"text":"That's his 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is?","start":3514.04,"end":3518.46,"sentiment":"neutral","sentiment_score":-0.020409743185155094}],"sentiment":"neutral","sentiment_score":-0.022867745042524555,"channel":1,"num_words":11,"start":3511.675,"end":3518.46},{"sentences":[{"text":"Okay.","start":3518.7249,"end":3518.9648,"sentiment":"neutral","sentiment_score":-0.0049875397235155106},{"text":"So the account's in it.","start":3518.9648,"end":3520.565,"sentiment":"neutral","sentiment_score":-0.007616569474339485},{"text":"No loan on it?","start":3520.565,"end":3521.625,"sentiment":"neutral","sentiment_score":-0.058103764429688454}],"sentiment":"neutral","sentiment_score":-0.027548544481396674,"channel":0,"num_words":10,"start":3518.7249,"end":3521.625},{"sentences":[{"text":"No.","start":3522.28,"end":3522.6,"sentiment":"neutral","sentiment_score":-0.1162235364317894},{"text":"No.","start":3522.6,"end":3523.1,"sentiment":"neutral","sentiment_score":-0.1136866733431816},{"text":"We're getting both our cars out right.","start":3523.16,"end":3524.94,"sentiment":"neutral","sentiment_score":-0.06512199342250824}],"sentiment":"neutral","sentiment_score":-0.07619601819250318,"channel":1,"num_words":9,"start":3522.28,"end":3524.94},{"sentences":[{"text":"Perfect.","start":3525.4448,"end":3525.9448,"sentiment":"neutral","sentiment_score":0.3066462278366089},{"text":"And the cash in the bank is 177,010.","start":3526.085,"end":3529.9448,"sentiment":"neutral","sentiment_score":0.09103534230962396}],"sentiment":"neutral","sentiment_score":0.11499210736817783,"channel":0,"num_words":9,"start":3525.4448,"end":3529.9448},{"sentences":[{"text":"Hundred and 77,000.","start":3529.2048,"end":3530.645,"sentiment":"neutral","sentiment_score":0.03498557582497597},{"text":"Yeah.","start":3530.645,"end":3531.145,"sentiment":"neutral","sentiment_score":0.15529519319534302}],"sentiment":"neutral","sentiment_score":0.06506298016756773,"channel":1,"num_words":4,"start":3529.2048,"end":3531.145},{"sentences":[{"text":"Beautiful.","start":3532.34,"end":3532.84,"sentiment":"positive","sentiment_score":0.4718357920646667},{"text":"Alright.","start":3534.34,"end":3534.82,"sentiment":"neutral","sentiment_score":0.19595913589000705},{"text":"Now I'm gonna ask you some questions in regard in regards to your risk profile.","start":3534.82,"end":3538.9001,"sentiment":"neutral","sentiment_score":0.02694678915043672},{"text":"Like I said,","start":3538.9001,"end":3539.72,"sentiment":"neutral","sentiment_score":-0.008546634887655577}],"sentiment":"neutral","sentiment_score":0.052317843027412894,"channel":0,"num_words":20,"start":3532.34,"end":3539.72},{"sentences":[{"text":"Mhmm.","start":3540.1648,"end":3540.6648,"sentiment":"neutral","sentiment_score":-0.006482602097094059}],"sentiment":"neutral","sentiment_score":-0.006482602097094059,"channel":1,"num_words":1,"start":3540.1648,"end":3540.6648},{"sentences":[{"text":"these questions, yeah, I need to know your tolerance and capacity, your risk.","start":3540.5,"end":3544.1802,"sentiment":"neutral","sentiment_score":-0.03173266695095943},{"text":"I know your time right and know what you wanna achieve, but I just need to get more of a sense of what kind of what kind of risk financial risk taker you are.","start":3544.1802,"end":3551.515,"sentiment":"neutral","sentiment_score":-0.04259075607885333},{"text":"Okay?","start":3551.515,"end":3551.9949,"sentiment":"neutral","sentiment_score":-0.03178343549370766},{"text":"So","start":3551.9949,"end":3552.4949,"sentiment":"neutral","sentiment_score":-0.03472726792097092}],"sentiment":"neutral","sentiment_score":-0.03932900164200335,"channel":0,"num_words":49,"start":3540.5,"end":3552.4949},{"sentences":[{"text":"Mhmm.","start":3552.13,"end":3552.63,"sentiment":"neutral","sentiment_score":-0.03012081608176231}],"sentiment":"neutral","sentiment_score":-0.03012081608176231,"channel":1,"num_words":1,"start":3552.13,"end":3552.63},{"sentences":[{"text":"on that note, we'll start off.","start":3552.875,"end":3554.555,"sentiment":"neutral","sentiment_score":-0.033470104758938156},{"text":"Some of these questions are very dumb because they are created by the government.","start":3554.555,"end":3557.935,"sentiment":"neutral","sentiment_score":-0.2783281494464193},{"text":"So I have to bother them, but I'll answer those ones for you because, yeah, they're just pretty stupid as well when I get there.","start":3558.075,"end":3564.63,"sentiment":"neutral","sentiment_score":-0.22596839487552642},{"text":"But first question, starting off, how would you rate your willingness to take financial risk?","start":3564.8499,"end":3568.93,"sentiment":"neutral","sentiment_score":-0.05010711041589578},{"text":"Could you say that you're a very high risk taker, high risk taker, average risk taker, or low risk taker?","start":3568.93,"end":3574.265,"sentiment":"neutral","sentiment_score":-0.06469398634508253}],"sentiment":"neutral","sentiment_score":-0.14740138719789683,"channel":0,"num_words":80,"start":3552.875,"end":3574.265},{"sentences":[{"text":"Sorry.","start":3574.325,"end":3574.825,"sentiment":"neutral","sentiment_score":-0.0824604332447052}],"sentiment":"neutral","sentiment_score":-0.0824604332447052,"channel":0,"num_words":1,"start":3574.325,"end":3574.825},{"sentences":[{"text":"What was that again?","start":3576.17,"end":3577.3098,"sentiment":"neutral","sentiment_score":-0.056421538814902306}],"sentiment":"neutral","sentiment_score":-0.056421538814902306,"channel":1,"num_words":4,"start":3576.17,"end":3577.3098},{"sentences":[{"text":"Where what how would you like to rate your willingness to take financial risk at your current agent stage in mind?","start":3578.565,"end":3585.305,"sentiment":"neutral","sentiment_score":-0.04742013946885154},{"text":"So would you say that you're, one, a very high risk taker, two, a high risk taker, three, an average risk taker, or four, a low risk taker?","start":3585.76,"end":3594.4202,"sentiment":"neutral","sentiment_score":-0.027487958249236857}],"sentiment":"neutral","sentiment_score":-0.03603032162907172,"channel":0,"num_words":49,"start":3578.565,"end":3594.4202},{"sentences":[{"text":"Maybe average.","start":3594.805,"end":3595.785,"sentiment":"neutral","sentiment_score":-0.026486645452678204}],"sentiment":"neutral","sentiment_score":-0.026486645452678204,"channel":1,"num_words":2,"start":3594.805,"end":3595.785},{"sentences":[{"text":"Average.","start":3596.8801,"end":3597.3801,"sentiment":"neutral","sentiment_score":0.009790599346160889},{"text":"Beautiful.","start":3597.4402,"end":3597.9402,"sentiment":"neutral","sentiment_score":0.20087148249149325},{"text":"And how familiar are you with investment markets?","start":3598.665,"end":3601.225,"sentiment":"neutral","sentiment_score":0.028187728370539844},{"text":"Would you say that you","start":3601.225,"end":3602.5051,"sentiment":"neutral","sentiment_score":-0.014894990995526314}],"sentiment":"neutral","sentiment_score":0.024112596921622754,"channel":0,"num_words":15,"start":3596.8801,"end":3602.5051},{"sentences":[{"text":"Not","start":3602.3198,"end":3602.64,"sentiment":"neutral","sentiment_score":-0.09773746132850648}],"sentiment":"neutral","sentiment_score":-0.09773746132850648,"channel":1,"num_words":1,"start":3602.3198,"end":3602.64},{"sentences":[{"text":"are","start":3602.5051,"end":3602.665,"sentiment":"neutral","sentiment_score":-0.07685725390911102}],"sentiment":"neutral","sentiment_score":-0.07685725390911102,"channel":0,"num_words":1,"start":3602.5051,"end":3602.665},{"sentences":[{"text":"at","start":3602.64,"end":3602.88,"sentiment":"neutral","sentiment_score":-0.12805144488811493}],"sentiment":"neutral","sentiment_score":-0.12805144488811493,"channel":1,"num_words":1,"start":3602.64,"end":3602.88},{"sentences":[{"text":"comfortable","start":3602.665,"end":3603.065,"sentiment":"neutral","sentiment_score":-0.122467041015625}],"sentiment":"neutral","sentiment_score":-0.122467041015625,"channel":0,"num_words":1,"start":3602.665,"end":3603.065},{"sentences":[{"text":"all.","start":3602.88,"end":3603.38,"sentiment":"neutral","sentiment_score":-0.1242799460887909}],"sentiment":"neutral","sentiment_score":-0.1242799460887909,"channel":1,"num_words":1,"start":3602.88,"end":3603.38},{"sentences":[{"text":"or not at all?","start":3603.065,"end":3604.425,"sentiment":"neutral","sentiment_score":-0.07432495802640915},{"text":"Not familiar with investing.","start":3604.425,"end":3605.725,"sentiment":"neutral","sentiment_score":-0.030133730731904507},{"text":"That's so good.","start":3605.7852,"end":3606.685,"sentiment":"neutral","sentiment_score":0.23737508058547974},{"text":"And what's the most aggressive investments you've ever made?","start":3609.065,"end":3612.105,"sentiment":"neutral","sentiment_score":0.02614868080450429},{"text":"Have you ever bought direct shares personally?","start":3612.105,"end":3613.69,"sentiment":"neutral","sentiment_score":-0.013990581966936588}],"sentiment":"neutral","sentiment_score":0.015988686673895077,"channel":0,"num_words":27,"start":3603.065,"end":3613.69},{"sentences":[{"text":"Or","start":3613.69,"end":3614.19,"sentiment":"neutral","sentiment_score":-0.03649347275495529}],"sentiment":"neutral","sentiment_score":-0.03649347275495529,"channel":0,"num_words":1,"start":3613.69,"end":3614.19},{"sentences":[{"text":"No.","start":3615.255,"end":3615.755,"sentiment":"neutral","sentiment_score":-0.14775323867797852},{"text":"I don't think","start":3616.375,"end":3616.855,"sentiment":"neutral","sentiment_score":-0.17327051858107248}],"sentiment":"neutral","sentiment_score":-0.166891198605299,"channel":1,"num_words":4,"start":3615.255,"end":3616.855},{"sentences":[{"text":"okay.","start":3616.81,"end":3617.31,"sentiment":"neutral","sentiment_score":-0.08569976687431335}],"sentiment":"neutral","sentiment_score":-0.08569976687431335,"channel":0,"num_words":1,"start":3616.81,"end":3617.31},{"sentences":[{"text":"we've had an investment property.","start":3616.855,"end":3618.3948,"sentiment":"neutral","sentiment_score":-0.04038925170898437}],"sentiment":"neutral","sentiment_score":-0.04038925170898437,"channel":1,"num_words":5,"start":3616.855,"end":3618.3948},{"sentences":[{"text":"That's perfect.","start":3619.77,"end":3620.6501,"sentiment":"positive","sentiment_score":0.7142540514469147},{"text":"That's exactly what I need to know.","start":3620.6501,"end":3622.43,"sentiment":"positive","sentiment_score":0.5223818591662815},{"text":"Beautiful.","start":3624.25,"end":3624.75,"sentiment":"positive","sentiment_score":0.4813927412033081},{"text":"And the next question that I already know the answer to is once the investments have been placed in force, how long before you need access or you want to access your capital?","start":3625.575,"end":3635.835,"sentiment":"neutral","sentiment_score":0.028280276664052948},{"text":"That's why we've got the age 67.","start":3636.135,"end":3638.135,"sentiment":"neutral","sentiment_score":-0.00853784302515643}],"sentiment":"neutral","sentiment_score":0.12880116173997522,"channel":0,"num_words":50,"start":3619.77,"end":3638.135},{"sentences":[{"text":"Right?","start":3638.135,"end":3638.635,"sentiment":"neutral","sentiment_score":0.0021053412929177284},{"text":"So I'm","start":3639.02,"end":3639.3398,"sentiment":"neutral","sentiment_score":0.0014138591941446066}],"sentiment":"neutral","sentiment_score":0.0016443532270689805,"channel":0,"num_words":3,"start":3638.135,"end":3639.3398},{"sentences":[{"text":"Yep.","start":3639.1,"end":3639.6,"sentiment":"neutral","sentiment_score":0.0025545216631144285}],"sentiment":"neutral","sentiment_score":0.0025545216631144285,"channel":1,"num_words":1,"start":3639.1,"end":3639.6},{"sentences":[{"text":"gonna say","start":3639.3398,"end":3640.16,"sentiment":"neutral","sentiment_score":0.0037091770209372044}],"sentiment":"neutral","sentiment_score":0.0037091770209372044,"channel":0,"num_words":2,"start":3639.3398,"end":3640.16},{"sentences":[{"text":"Mhmm.","start":3639.945,"end":3640.445,"sentiment":"neutral","sentiment_score":-0.0005708688404411077}],"sentiment":"neutral","sentiment_score":-0.0005708688404411077,"channel":1,"num_words":1,"start":3639.945,"end":3640.445},{"sentences":[{"text":"between two to three years.","start":3640.22,"end":3641.76,"sentiment":"neutral","sentiment_score":-0.001364598609507084},{"text":"Beautiful.","start":3643.66,"end":3644.16,"sentiment":"neutral","sentiment_score":0.22124028205871585},{"text":"Now volatility.","start":3644.46,"end":3646.0798,"sentiment":"neutral","sentiment_score":0.04154397454112768},{"text":"These are important.","start":3646.3,"end":3647.28,"sentiment":"neutral","sentiment_score":-0.009926073253154755}],"sentiment":"neutral","sentiment_score":0.024338819848542862,"channel":0,"num_words":11,"start":3640.22,"end":3647.28},{"sentences":[{"text":"Yep.","start":3647.0625,"end":3647.5625,"sentiment":"neutral","sentiment_score":-0.008018521592020988}],"sentiment":"neutral","sentiment_score":-0.008018521592020988,"channel":1,"num_words":1,"start":3647.0625,"end":3647.5625},{"sentences":[{"text":"So investments can go up and down in value over time.","start":3647.5798,"end":3650.38,"sentiment":"neutral","sentiment_score":-0.05075272291221402},{"text":"It's called volatility.","start":3650.38,"end":3651.28,"sentiment":"neutral","sentiment_score":-0.03339331535001596},{"text":"How much could your let's say you invest your super with us.","start":3652.695,"end":3655.8152,"sentiment":"neutral","sentiment_score":-0.03508187116434177},{"text":"How much could your superannuation drop and fall in value by before you start feeling concerned and anxious?","start":3655.8152,"end":3662.875,"sentiment":"neutral","sentiment_score":-0.0838649430208736},{"text":"K?","start":3663.655,"end":3664.11,"sentiment":"neutral","sentiment_score":-0.034162506461143494}],"sentiment":"neutral","sentiment_score":-0.05829275184207493,"channel":0,"num_words":45,"start":3647.5798,"end":3664.11},{"sentences":[{"text":"How much can it fall by?","start":3664.1902,"end":3665.4702,"sentiment":"neutral","sentiment_score":-0.04862933171292146},{"text":"So one, more than 50%.","start":3665.4702,"end":3667.55,"sentiment":"neutral","sentiment_score":-0.04187259450554848},{"text":"Two, up to 50%.","start":3667.55,"end":3669.2302,"sentiment":"neutral","sentiment_score":-0.02043913211673498},{"text":"Three, up to 25%.","start":3669.2302,"end":3670.75,"sentiment":"neutral","sentiment_score":-0.017780888825654984},{"text":"Or four, up to 10%.","start":3670.75,"end":3672.2102,"sentiment":"neutral","sentiment_score":-0.02154153063893318}],"sentiment":"neutral","sentiment_score":-0.0317386124903957,"channel":0,"num_words":24,"start":3664.1902,"end":3672.2102},{"sentences":[{"text":"Probably up to 25%.","start":3672.915,"end":3676.055,"sentiment":"neutral","sentiment_score":-0.029388973489403725}],"sentiment":"neutral","sentiment_score":-0.029388973489403725,"channel":1,"num_words":4,"start":3672.915,"end":3676.055},{"sentences":[{"text":"Okay.","start":3677.545,"end":3677.7852,"sentiment":"neutral","sentiment_score":0.08841905742883682},{"text":"Good.","start":3677.7852,"end":3678.2852,"sentiment":"neutral","sentiment_score":0.13144366443157196},{"text":"And what based on that answer, what happens if, let's say, in six months after investing your funds plus, you find out that obviously in line with general trends with the market, so some sort of collapse, your portfolio has decreased by 20%.","start":3679.145,"end":3694.8,"sentiment":"neutral","sentiment_score":-0.05613192357122898},{"text":"So that's then your portfolio essentially drops by what you go for.","start":3695.34,"end":3699.34,"sentiment":"neutral","sentiment_score":-0.12345883312324683},{"text":"So about $10,000.","start":3699.34,"end":3700.96,"sentiment":"neutral","sentiment_score":-0.08939818292856216}],"sentiment":"neutral","sentiment_score":-0.06572517563278477,"channel":0,"num_words":60,"start":3677.545,"end":3700.96},{"sentences":[{"text":"You lose 10","start":3701.02,"end":3701.74,"sentiment":"neutral","sentiment_score":-0.14605573813120523}],"sentiment":"neutral","sentiment_score":-0.14605573813120523,"channel":0,"num_words":3,"start":3701.02,"end":3701.74},{"sentences":[{"text":"Mhmm.","start":3701.7249,"end":3702.2249,"sentiment":"neutral","sentiment_score":-0.10620373487472534}],"sentiment":"neutral","sentiment_score":-0.10620373487472534,"channel":1,"num_words":1,"start":3701.7249,"end":3702.2249},{"sentences":[{"text":"thousand dollars in your portfolio, it's now sitting at 30,000 after six months.","start":3701.74,"end":3705.68,"sentiment":"neutral","sentiment_score":-0.11228235409809993},{"text":"What would you do?","start":3705.975,"end":3706.935,"sentiment":"neutral","sentiment_score":-0.042902106419205666},{"text":"Would you, one, invest heavily for future growth?","start":3706.935,"end":3710.155,"sentiment":"neutral","sentiment_score":-0.02352555561810732},{"text":"Two, invest modestly for future growth?","start":3710.375,"end":3712.875,"sentiment":"neutral","sentiment_score":-0.01889257427925865},{"text":"Three, hold and wait improvement?","start":3713.0151,"end":3714.635,"sentiment":"neutral","sentiment_score":-0.023901785537600518}],"sentiment":"neutral","sentiment_score":-0.05700966242390374,"channel":0,"num_words":36,"start":3701.74,"end":3714.635},{"sentences":[{"text":"Or four, shift to more secure assets and tell me to get stuff?","start":3714.7751,"end":3717.995,"sentiment":"neutral","sentiment_score":-0.034856115539486594}],"sentiment":"neutral","sentiment_score":-0.034856115539486594,"channel":0,"num_words":13,"start":3714.7751,"end":3717.995},{"sentences":[{"text":"Oh, I don't know.","start":3718.73,"end":3719.93,"sentiment":"neutral","sentiment_score":-0.08728603459894657},{"text":"What do you reckon I should do?","start":3719.93,"end":3721.71,"sentiment":"neutral","sentiment_score":-0.09908059345824378}],"sentiment":"neutral","sentiment_score":-0.09479166296395389,"channel":1,"num_words":11,"start":3718.73,"end":3721.71},{"sentences":[{"text":"Probably hold and wait and prove them up just while speaking to your professional, your financial","start":3722.76,"end":3727.02,"sentiment":"neutral","sentiment_score":-0.05404324550181627}],"sentiment":"neutral","sentiment_score":-0.05404324550181627,"channel":0,"num_words":16,"start":3722.76,"end":3727.02},{"sentences":[{"text":"Oh,","start":3726.865,"end":3727.1848,"sentiment":"neutral","sentiment_score":-0.008463670499622822}],"sentiment":"neutral","sentiment_score":-0.008463670499622822,"channel":1,"num_words":1,"start":3726.865,"end":3727.1848},{"sentences":[{"text":"professional?","start":3727.1602,"end":3727.6602,"sentiment":"neutral","sentiment_score":-0.015005595050752165}],"sentiment":"neutral","sentiment_score":-0.015005595050752165,"channel":0,"num_words":1,"start":3727.1602,"end":3727.6602},{"sentences":[{"text":"sure.","start":3727.1848,"end":3727.505,"sentiment":"neutral","sentiment_score":-0.01292231772094965},{"text":"Yeah.","start":3727.505,"end":3728.005,"sentiment":"neutral","sentiment_score":-0.027510417625308037}],"sentiment":"neutral","sentiment_score":-0.020216367673128843,"channel":1,"num_words":2,"start":3727.1848,"end":3728.005},{"sentences":[{"text":"No.","start":3729.08,"end":3729.2402,"sentiment":"neutral","sentiment_score":-0.10694470256567},{"text":"This is a very dumb question, but I'm gonna ask it anyway.","start":3729.2402,"end":3731.7402,"sentiment":"neutral","sentiment_score":-0.12151465254525344},{"text":"So what kind of return and percentage do you want do you expect to achieve over the longer term?","start":3732.04,"end":3738.165,"sentiment":"neutral","sentiment_score":-0.021569760516285896},{"text":"More than 8%?","start":3738.385,"end":3739.605,"sentiment":"neutral","sentiment_score":-0.017408651299774647},{"text":"Between six and eight percent?","start":3739.905,"end":3741.505,"sentiment":"neutral","sentiment_score":-0.008859153836965561}],"sentiment":"neutral","sentiment_score":-0.05178669265005738,"channel":0,"num_words":40,"start":3729.08,"end":3741.505},{"sentences":[{"text":"Between 46%?","start":3741.505,"end":3742.945,"sentiment":"neutral","sentiment_score":-0.011008876841515303},{"text":"Or just tracking the cash?","start":3742.945,"end":3745.365,"sentiment":"neutral","sentiment_score":-0.011599058285355568}],"sentiment":"neutral","sentiment_score":-0.011430435015686921,"channel":0,"num_words":7,"start":3741.505,"end":3745.365},{"sentences":[{"text":"I'd say 8%.","start":3746.25,"end":3747.31,"sentiment":"neutral","sentiment_score":-0.00932107058664163}],"sentiment":"neutral","sentiment_score":-0.00932107058664163,"channel":1,"num_words":3,"start":3746.25,"end":3747.31},{"sentences":[{"text":"You're on the highest.","start":3748.08,"end":3748.8801,"sentiment":"neutral","sentiment_score":0.032158831134438515},{"text":"Right?","start":3748.8801,"end":3749.3801,"sentiment":"neutral","sentiment_score":-0.0030612442642450333},{"text":"Yeah.","start":3750.8801,"end":3751.0,"sentiment":"neutral","sentiment_score":-0.074726901948452},{"text":"I assume so.","start":3751.0,"end":3752.08,"sentiment":"neutral","sentiment_score":-0.12409581989049911},{"text":"I don't even know why that question is there.","start":3752.08,"end":3754.02,"sentiment":"neutral","sentiment_score":-0.24707176784674326}],"sentiment":"neutral","sentiment_score":-0.1413936773315072,"channel":0,"num_words":18,"start":3748.08,"end":3754.02},{"sentences":[{"text":"Exactly.","start":3754.065,"end":3754.465,"sentiment":"neutral","sentiment_score":-0.26421186327934265},{"text":"That's a dumb question, like you said.","start":3754.465,"end":3756.325,"sentiment":"negative","sentiment_score":-0.36221679619380404}],"sentiment":"negative","sentiment_score":-0.3499661795794964,"channel":1,"num_words":8,"start":3754.065,"end":3756.325},{"sentences":[{"text":"Alright.","start":3756.8801,"end":3757.3801,"sentiment":"neutral","sentiment_score":-0.04142365604639053},{"text":"Alright.","start":3757.52,"end":3758.02,"sentiment":"neutral","sentiment_score":-0.011204048059880732},{"text":"Last couple of questions.","start":3758.08,"end":3759.04,"sentiment":"neutral","sentiment_score":-0.011574264615774155},{"text":"Have you thought about ever taking out a loan to invest?","start":3759.04,"end":3761.78,"sentiment":"neutral","sentiment_score":0.005088393830440261},{"text":"One, you borrowed or open to borrowing money for stocks and funds and manage funds and shares?","start":3762.1602,"end":3768.0352,"sentiment":"neutral","sentiment_score":0.007765444762566511}],"sentiment":"neutral","sentiment_score":0.0026194156037972253,"channel":0,"num_words":34,"start":3756.8801,"end":3768.0352},{"sentences":[{"text":"Or or two, you have borrowed or open to borrowing for an investment property?","start":3769.215,"end":3774.195,"sentiment":"neutral","sentiment_score":-0.0027701944179300752}],"sentiment":"neutral","sentiment_score":-0.0027701944179300752,"channel":0,"num_words":14,"start":3769.215,"end":3774.195},{"sentences":[{"text":"Is that,","start":3777.23,"end":3777.71,"sentiment":"neutral","sentiment_score":-0.0011753437574952843}],"sentiment":"neutral","sentiment_score":-0.0011753437574952843,"channel":1,"num_words":2,"start":3777.23,"end":3777.71},{"sentences":[{"text":"You","start":3777.55,"end":3778.05,"sentiment":"neutral","sentiment_score":-0.012598857283592224}],"sentiment":"neutral","sentiment_score":-0.012598857283592224,"channel":0,"num_words":1,"start":3777.55,"end":3778.05},{"sentences":[{"text":"like, for now?","start":3777.71,"end":3778.69,"sentiment":"neutral","sentiment_score":-0.0033765115464727082}],"sentiment":"neutral","sentiment_score":-0.0033765115464727082,"channel":1,"num_words":3,"start":3777.71,"end":3778.69},{"sentences":[{"text":"Yeah.","start":3779.8699,"end":3780.11,"sentiment":"neutral","sentiment_score":-0.0072092581540346146},{"text":"No.","start":3780.11,"end":3780.35,"sentiment":"neutral","sentiment_score":-0.06312811374664307},{"text":"Just in the past, have you ever borrowed money to invest in a share portfolio?","start":3780.35,"end":3783.57,"sentiment":"neutral","sentiment_score":-0.02908768951892853}],"sentiment":"neutral","sentiment_score":-0.02980310086380033,"channel":0,"num_words":17,"start":3779.8699,"end":3783.57},{"sentences":[{"text":"I don't borrow money to do an investment property.","start":3784.5952,"end":3787.175,"sentiment":"neutral","sentiment_score":-0.12879082394970787}],"sentiment":"neutral","sentiment_score":-0.12879082394970787,"channel":1,"num_words":9,"start":3784.5952,"end":3787.175},{"sentences":[{"text":"Yep.","start":3787.95,"end":3788.27,"sentiment":"neutral","sentiment_score":0.2526490092277527},{"text":"Perfect.","start":3788.27,"end":3788.67,"sentiment":"positive","sentiment_score":0.5796689391136169},{"text":"That's the answer I need.","start":3788.67,"end":3789.97,"sentiment":"positive","sentiment_score":0.4430587410926819},{"text":"Okay.","start":3791.025,"end":3791.4248,"sentiment":"neutral","sentiment_score":0.1847737282514572},{"text":"And then based on that question, Regal, thinking about the way you answered it, how would taking out a loan right now to invest in in the assets make you feel?","start":3791.4248,"end":3801.525,"sentiment":"neutral","sentiment_score":0.16660523823192042}],"sentiment":"neutral","sentiment_score":0.21531148121142998,"channel":0,"num_words":39,"start":3787.95,"end":3801.525},{"sentences":[{"text":"Would you say that you're very comfortable and happy to do so?","start":3801.585,"end":3804.54,"sentiment":"neutral","sentiment_score":0.18542966867486635},{"text":"Would you say that you're somewhat comfortable because you're causing up risks?","start":3804.54,"end":3807.68,"sentiment":"neutral","sentiment_score":-0.16505926040311655},{"text":"Would you say that you're careful with borrowing and understand that it can be very risky?","start":3808.3801,"end":3812.48,"sentiment":"neutral","sentiment_score":-0.2675344171002507},{"text":"Or would you say extremely worried due to significant risks and will never consider doing it doing?","start":3812.54,"end":3817.52,"sentiment":"neutral","sentiment_score":-0.3229595527929418}],"sentiment":"neutral","sentiment_score":-0.16713014336531623,"channel":0,"num_words":57,"start":3801.585,"end":3817.52},{"sentences":[{"text":"I would never think about that one.","start":3817.5352,"end":3819.3152,"sentiment":"neutral","sentiment_score":-0.2812226840427944}],"sentiment":"neutral","sentiment_score":-0.2812226840427944,"channel":1,"num_words":7,"start":3817.5352,"end":3819.3152},{"sentences":[{"text":"You've been for me along the way.","start":3834.67,"end":3836.77,"sentiment":"neutral","sentiment_score":0.022928537667862008},{"text":"Okay.","start":3840.35,"end":3840.85,"sentiment":"neutral","sentiment_score":0.0408875048160553},{"text":"Okay.","start":3841.71,"end":3842.21,"sentiment":"neutral","sentiment_score":0.027694188058376312},{"text":"Would you like to know what kind of investments and what kind of invested you are?","start":3842.27,"end":3847.65,"sentiment":"neutral","sentiment_score":0.021079272613860667}],"sentiment":"neutral","sentiment_score":0.022653992734849453,"channel":0,"num_words":25,"start":3834.67,"end":3847.65},{"sentences":[{"text":"Yes.","start":3848.555,"end":3848.795,"sentiment":"neutral","sentiment_score":0.061022259294986725},{"text":"Let me know.","start":3848.795,"end":3849.6948,"sentiment":"neutral","sentiment_score":0.04616430650154749}],"sentiment":"neutral","sentiment_score":0.0498787946999073,"channel":1,"num_words":4,"start":3848.555,"end":3849.6948},{"sentences":[{"text":"Alright.","start":3850.305,"end":3850.805,"sentiment":"neutral","sentiment_score":0.13401585817337036},{"text":"Go more, please.","start":3851.105,"end":3852.085,"sentiment":"neutral","sentiment_score":0.11555899182955424},{"text":"So you are what we call a balanced investor.","start":3853.025,"end":3856.245,"sentiment":"neutral","sentiment_score":0.1818259490860833},{"text":"So pretty much on the on the most conservative side of investing there is.","start":3856.705,"end":3861.445,"sentiment":"neutral","sentiment_score":0.18989337874310358},{"text":"I am going to bump you I'm gonna leave you there, actually.","start":3861.75,"end":3867.21,"sentiment":"neutral","sentiment_score":0.09174964235474665}],"sentiment":"neutral","sentiment_score":0.15068280477172288,"channel":0,"num_words":39,"start":3850.305,"end":3867.21},{"sentences":[{"text":"So I've got capacity in my my in my profession.","start":3867.43,"end":3870.47,"sentiment":"neutral","sentiment_score":0.11118694692850113},{"text":"I've got capacity to for my experience to move you up or down one risk profile.","start":3870.47,"end":3876.01,"sentiment":"neutral","sentiment_score":0.09388973540626466},{"text":"I can if you wanted better return at above 8%, obviously, more risk than higher return, but also high volatility and longer time.","start":3877.5552,"end":3885.395,"sentiment":"neutral","sentiment_score":0.051269627945578614},{"text":"Right?","start":3885.395,"end":3885.895,"sentiment":"neutral","sentiment_score":0.06287442147731781},{"text":"If you're looking at a two to three year time horizon or two year time horizon, then you should be looking at a very defensive portfolio.","start":3885.955,"end":3894.4202,"sentiment":"neutral","sentiment_score":0.06192933409832991}],"sentiment":"neutral","sentiment_score":0.07192557613904539,"channel":0,"num_words":76,"start":3867.43,"end":3894.4202},{"sentences":[{"text":"So if you're comfortable with that for a lower return in case the markets do change for the worst, I can put you in a very standard kind of tracking defensive portfolio.","start":3894.4202,"end":3905.135,"sentiment":"neutral","sentiment_score":0.08905159519053996},{"text":"But if you did wanna make things a little bit pricier, I could I would be comfortable bumping you up to a balanced growth portfolio and doing a little bit more active management than usual.","start":3905.135,"end":3916.255,"sentiment":"neutral","sentiment_score":0.18712433544652804},{"text":"And just making sure that you know, if the market does drop, we sell cash and things like that.","start":3916.255,"end":3921.84,"sentiment":"neutral","sentiment_score":-0.1817269576223273}],"sentiment":"neutral","sentiment_score":0.06914175106862257,"channel":0,"num_words":86,"start":3894.4202,"end":3921.84},{"sentences":[{"text":"That I don't understand what you mean by that.","start":3923.605,"end":3925.945,"sentiment":"neutral","sentiment_score":-0.26013792554537457}],"sentiment":"neutral","sentiment_score":-0.26013792554537457,"channel":1,"num_words":9,"start":3923.605,"end":3925.945},{"sentences":[{"text":"Okay.","start":3926.22,"end":3926.72,"sentiment":"neutral","sentiment_score":-0.08889752626419067},{"text":"So if you are invested in shares, your $40,000 is invested in shares, and The US market collapses.","start":3927.02,"end":3935.925,"sentiment":"neutral","sentiment_score":-0.15003759206997025}],"sentiment":"neutral","sentiment_score":-0.14681969386966606,"channel":0,"num_words":19,"start":3926.22,"end":3935.925},{"sentences":[{"text":"Yep.","start":3936.6602,"end":3937.1602,"sentiment":"neutral","sentiment_score":-0.027812838554382324}],"sentiment":"neutral","sentiment_score":-0.027812838554382324,"channel":1,"num_words":1,"start":3936.6602,"end":3937.1602},{"sentences":[{"text":"GFC two point o fell 61, right, over a year and a half.","start":3936.705,"end":3941.365,"sentiment":"neutral","sentiment_score":-0.1203058660030365},{"text":"If you invested a 100% in bonds, you would not have been affected by that.","start":3941.985,"end":3946.325,"sentiment":"neutral","sentiment_score":-0.0355007474621137},{"text":"If you invested","start":3946.58,"end":3947.14,"sentiment":"neutral","sentiment_score":-0.0578995905816555}],"sentiment":"neutral","sentiment_score":-0.07323181424890796,"channel":0,"num_words":31,"start":3936.705,"end":3947.14},{"sentences":[{"text":"Okay.","start":3946.955,"end":3947.455,"sentiment":"neutral","sentiment_score":-0.08344580233097076}],"sentiment":"neutral","sentiment_score":-0.08344580233097076,"channel":1,"num_words":1,"start":3946.955,"end":3947.455},{"sentences":[{"text":"a 100% in shares, you would have lost 61% of your money.","start":3947.14,"end":3950.6,"sentiment":"neutral","sentiment_score":-0.17695064283907413}],"sentiment":"neutral","sentiment_score":-0.17695064283907413,"channel":0,"num_words":12,"start":3947.14,"end":3950.6},{"sentences":[{"text":"Okay.","start":3951.195,"end":3951.695,"sentiment":"neutral","sentiment_score":0.05281512811779976}],"sentiment":"neutral","sentiment_score":0.05281512811779976,"channel":1,"num_words":1,"start":3951.195,"end":3951.695},{"sentences":[{"text":"So what I wanna try and do is make it like a fifty fifty kind of approach, like 50% of yours or 20,000 in shares and another 20,000 in high interest, like bonds and things like that.","start":3952.66,"end":3963.5552,"sentiment":"neutral","sentiment_score":0.11695675098815479},{"text":"So","start":3963.695,"end":3963.935,"sentiment":"neutral","sentiment_score":0.12706047296524048}],"sentiment":"neutral","sentiment_score":0.11722263840860442,"channel":0,"num_words":38,"start":3952.66,"end":3963.935},{"sentences":[{"text":"Yep.","start":3963.88,"end":3964.38,"sentiment":"neutral","sentiment_score":0.14307615160942078}],"sentiment":"neutral","sentiment_score":0.14307615160942078,"channel":1,"num_words":1,"start":3963.88,"end":3964.38},{"sentences":[{"text":"that you get you get income, but you're also a little bit defensive because if we put you in a high growth or risky portfolio, all shares, and the market drops tomorrow,","start":3963.935,"end":3974.0352,"sentiment":"neutral","sentiment_score":0.03557851607911289}],"sentiment":"neutral","sentiment_score":0.03557851607911289,"channel":0,"num_words":32,"start":3963.935,"end":3974.0352},{"sentences":[{"text":"Okay.","start":3973.665,"end":3974.165,"sentiment":"neutral","sentiment_score":-0.03988180682063103}],"sentiment":"neutral","sentiment_score":-0.03988180682063103,"channel":1,"num_words":1,"start":3973.665,"end":3974.165},{"sentences":[{"text":"and GFC two point o happens in the next year and a half, you've only got six months to make that 51% back, which is not enough time.","start":3974.175,"end":3981.54,"sentiment":"neutral","sentiment_score":-0.15369818359613419}],"sentiment":"neutral","sentiment_score":-0.15369818359613419,"channel":0,"num_words":28,"start":3974.175,"end":3981.54},{"sentences":[{"text":"Yep.","start":3981.1125,"end":3981.6125,"sentiment":"neutral","sentiment_score":0.04345890134572983}],"sentiment":"neutral","sentiment_score":0.04345890134572983,"channel":1,"num_words":1,"start":3981.1125,"end":3981.6125},{"sentences":[{"text":"K?","start":3983.52,"end":3983.92,"sentiment":"neutral","sentiment_score":0.03958692029118538},{"text":"So I would be encouraging maybe a balanced growth portfolio.","start":3983.92,"end":3987.44,"sentiment":"neutral","sentiment_score":0.23919422626495362},{"text":"What that looks like is about 60% invested into the market around the world and another 40% invested into defensive assets.","start":3987.44,"end":3995.065,"sentiment":"neutral","sentiment_score":0.11836188641332444}],"sentiment":"neutral","sentiment_score":0.15366027492564172,"channel":0,"num_words":32,"start":3983.52,"end":3995.065},{"sentences":[{"text":"Is that","start":3995.44,"end":3995.76,"sentiment":"neutral","sentiment_score":0.07779156789183617}],"sentiment":"neutral","sentiment_score":0.07779156789183617,"channel":1,"num_words":2,"start":3995.44,"end":3995.76},{"sentences":[{"text":"Darren?","start":3995.605,"end":3996.085,"sentiment":"neutral","sentiment_score":0.07612486183643341}],"sentiment":"neutral","sentiment_score":0.07612486183643341,"channel":0,"num_words":1,"start":3995.605,"end":3996.085},{"sentences":[{"text":"what you recommend?","start":3995.76,"end":3996.58,"sentiment":"neutral","sentiment_score":0.04669887199997902}],"sentiment":"neutral","sentiment_score":0.04669887199997902,"channel":1,"num_words":3,"start":3995.76,"end":3996.58},{"sentences":[{"text":"Yeah.","start":3996.085,"end":3996.585,"sentiment":"neutral","sentiment_score":0.1627575010061264},{"text":"That's what I recommend.","start":3997.365,"end":3998.425,"sentiment":"neutral","sentiment_score":0.25835512578487396}],"sentiment":"neutral","sentiment_score":0.23923560082912446,"channel":0,"num_words":5,"start":3996.085,"end":3998.425},{"sentences":[{"text":"I'll do that then.","start":3998.8,"end":3999.86,"sentiment":"neutral","sentiment_score":0.26469550281763077}],"sentiment":"neutral","sentiment_score":0.26469550281763077,"channel":1,"num_words":4,"start":3998.8,"end":3999.86},{"sentences":[{"text":"Good.","start":4001.045,"end":4001.545,"sentiment":"positive","sentiment_score":0.453705370426178}],"sentiment":"positive","sentiment_score":0.453705370426178,"channel":0,"num_words":1,"start":4001.045,"end":4001.545},{"sentences":[{"text":"If that's what you recommend, we'll do what you said.","start":4002.3552,"end":4004.935,"sentiment":"positive","sentiment_score":0.35810745060443877}],"sentiment":"positive","sentiment_score":0.35810745060443877,"channel":1,"num_words":10,"start":4002.3552,"end":4004.935},{"sentences":[{"text":"Beautiful.","start":4005.765,"end":4006.265,"sentiment":"positive","sentiment_score":0.6013230085372925},{"text":"Hey, well, don't don't get too overzealous just yet.","start":4006.98,"end":4010.1199,"sentiment":"neutral","sentiment_score":0.12851547242866623},{"text":"I'm gonna see it work for us.","start":4010.9,"end":4012.52,"sentiment":"neutral","sentiment_score":0.32290858030319214}],"sentiment":"neutral","sentiment_score":0.23637190132456667,"channel":0,"num_words":17,"start":4005.765,"end":4012.52},{"sentences":[{"text":"Okay.","start":4013.1501,"end":4013.6501,"sentiment":"neutral","sentiment_score":0.24130965769290924}],"sentiment":"neutral","sentiment_score":0.24130965769290924,"channel":1,"num_words":1,"start":4013.1501,"end":4013.6501},{"sentences":[{"text":"Perfect.","start":4014.1,"end":4014.6,"sentiment":"positive","sentiment_score":0.4675260782241822},{"text":"And look, that pretty much sums up.","start":4014.74,"end":4017.0,"sentiment":"neutral","sentiment_score":0.3210782600300653},{"text":"So when is a good time for me to get back in touch?","start":4017.3,"end":4023.2449,"sentiment":"neutral","sentiment_score":0.10696284501598431},{"text":"Probably not next week.","start":4023.2449,"end":4024.4448,"sentiment":"neutral","sentiment_score":-0.04274317808449268},{"text":"I'm fully booked.","start":4024.4448,"end":4025.325,"sentiment":"neutral","sentiment_score":-0.010866279403368631}],"sentiment":"neutral","sentiment_score":0.1393578333247985,"channel":0,"num_words":28,"start":4014.1,"end":4025.325},{"sentences":[{"text":"But the week after, I'm currently in Melbourne.","start":4025.325,"end":4028.385,"sentiment":"neutral","sentiment_score":-0.01450167573057115}],"sentiment":"neutral","sentiment_score":-0.01450167573057115,"channel":0,"num_words":8,"start":4025.325,"end":4028.385},{"sentences":[{"text":"Well, I work on Tuesday, Thursday, Saturday.","start":4029.4148,"end":4033.275,"sentiment":"neutral","sentiment_score":0.035092651577932496},{"text":"So if you wanna do Monday, Wednesday, Friday, any of those days, because that way, I'm at home.","start":4033.335,"end":4038.075,"sentiment":"neutral","sentiment_score":0.05412603335248099}],"sentiment":"neutral","sentiment_score":0.04879668645560741,"channel":1,"num_words":25,"start":4029.4148,"end":4038.075},{"sentences":[{"text":"I don't really do Wednesday.","start":4038.9302,"end":4040.1301,"sentiment":"neutral","sentiment_score":-0.08074111640453338},{"text":"Did you wanna come into the office?","start":4040.1301,"end":4041.57,"sentiment":"neutral","sentiment_score":-0.016685477990124906},{"text":"Or","start":4041.57,"end":4042.07,"sentiment":"neutral","sentiment_score":0.0013661086559295654}],"sentiment":"neutral","sentiment_score":-0.0399336784075086,"channel":0,"num_words":13,"start":4038.9302,"end":4042.07},{"sentences":[{"text":"Yes.","start":4042.9102,"end":4043.1501,"sentiment":"neutral","sentiment_score":0.008782908320426941},{"text":"You want me to come into the office so I can do that?","start":4043.1501,"end":4045.33,"sentiment":"neutral","sentiment_score":0.015451390582781572}],"sentiment":"neutral","sentiment_score":0.014975070421184813,"channel":1,"num_words":14,"start":4042.9102,"end":4045.33},{"sentences":[{"text":"Yeah.","start":4045.73,"end":4045.97,"sentiment":"neutral","sentiment_score":-0.0025795698165893555},{"text":"It makes our life a lot easier as well because we found all","start":4045.97,"end":4048.6902,"sentiment":"positive","sentiment_score":0.7310335773688096}],"sentiment":"positive","sentiment_score":0.6786326382841382,"channel":0,"num_words":14,"start":4045.73,"end":4048.6902},{"sentences":[{"text":"Yep.","start":4048.6702,"end":4049.1702,"sentiment":"positive","sentiment_score":0.5281431674957275}],"sentiment":"positive","sentiment_score":0.5281431674957275,"channel":1,"num_words":1,"start":4048.6702,"end":4049.1702},{"sentences":[{"text":"the 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invite.","start":4058.105,"end":4060.045,"sentiment":"neutral","sentiment_score":0.2561389021575451},{"text":"So accept that when you're ready.","start":4060.425,"end":4063.2249,"sentiment":"neutral","sentiment_score":0.23348801334698996},{"text":"And,","start":4063.2249,"end":4063.7249,"sentiment":"neutral","sentiment_score":0.13649258017539978}],"sentiment":"neutral","sentiment_score":0.24247555248439312,"channel":0,"num_words":16,"start":4057.7048,"end":4063.7249},{"sentences":[{"text":"Yep.","start":4063.365,"end":4063.865,"sentiment":"neutral","sentiment_score":0.12674427032470703}],"sentiment":"neutral","sentiment_score":0.12674427032470703,"channel":1,"num_words":1,"start":4063.365,"end":4063.865},{"sentences":[{"text":"yeah, I'll also shoot you you've already provided all your documents, haven't 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it.","start":4214.83,"end":4215.6504,"sentiment":"neutral","sentiment_score":0.08933307603001595},{"text":"Whichever,","start":4215.87,"end":4216.37,"sentiment":"neutral","sentiment_score":0.04688086360692978}],"sentiment":"neutral","sentiment_score":0.032938260052885325,"channel":1,"num_words":7,"start":4213.47,"end":4216.37},{"sentences":[{"text":"Correct.","start":4216.295,"end":4216.795,"sentiment":"neutral","sentiment_score":0.09916426241397858}],"sentiment":"neutral","sentiment_score":0.09916426241397858,"channel":0,"num_words":1,"start":4216.295,"end":4216.795},{"sentences":[{"text":"just let me know, yep, when it is, and I'll be there.","start":4216.43,"end":4219.81,"sentiment":"neutral","sentiment_score":0.18776251499851546}],"sentiment":"neutral","sentiment_score":0.18776251499851546,"channel":1,"num_words":12,"start":4216.43,"end":4219.81},{"sentences":[{"text":"Beautiful.","start":4220.375,"end":4220.875,"sentiment":"positive","sentiment_score":0.732184886932373},{"text":"I'll send you a calendar invite now to the Margaret Manning email at Hotmail, and you should receive that shortly.","start":4220.935,"end":4230.56,"sentiment":"positive","sentiment_score":0.39503445476293564},{"text":"And yeah.","start":4231.7397,"end":4232.38,"sentiment":"neutral","sentiment_score":0.22858941555023193},{"text":"What?","start":4232.38,"end":4232.62,"sentiment":"neutral","sentiment_score":0.1960400491952896},{"text":"Thank you for your time.","start":4232.62,"end":4233.5,"sentiment":"positive","sentiment_score":0.6652478575706482}],"sentiment":"positive","sentiment_score":0.4349080051841407,"channel":0,"num_words":29,"start":4220.375,"end":4233.5},{"sentences":[{"text":"Let's get to work.","start":4233.5,"end":4234.48,"sentiment":"positive","sentiment_score":0.45901985466480255}],"sentiment":"positive","sentiment_score":0.45901985466480255,"channel":0,"num_words":4,"start":4233.5,"end":4234.48},{"sentences":[{"text":"No worries.","start":4234.709,"end":4235.189,"sentiment":"neutral","sentiment_score":0.31599754095077515},{"text":"Thanks, Debbie.","start":4235.189,"end":4236.009,"sentiment":"positive","sentiment_score":0.5917427241802216}],"sentiment":"positive","sentiment_score":0.45387013256549835,"channel":1,"num_words":4,"start":4234.709,"end":4236.009},{"sentences":[{"text":"See you.","start":4236.3,"end":4236.6997,"sentiment":"positive","sentiment_score":0.5453709959983826},{"text":"Bye.","start":4236.6997,"end":4237.1997,"sentiment":"neutral","sentiment_score":0.29939112067222595}],"sentiment":"positive","sentiment_score":0.463377704222997,"channel":0,"num_words":3,"start":4236.3,"end":4237.1997},{"sentences":[{"text":"Okay.","start":4237.4287,"end":4237.7485,"sentiment":"neutral","sentiment_score":0.19386771321296692},{"text":"Bye.","start":4237.7485,"end":4238.2485,"sentiment":"neutral","sentiment_score":-0.0554928220808506}],"sentiment":"neutral","sentiment_score":0.06918744556605816,"channel":1,"num_words":2,"start":4237.4287,"end":4238.2485}]},"summary":{"result":"success","short":"The speakers discuss retirement goals and savings plans, emphasizing the importance of understanding risk tolerance and working towards retirement goals. They provide an itinerary for adding a retirement savings account and emphasize the benefits of investing in retirement plans and building wealth. The speakers emphasize trust and building wealth, and recommend a balanced growth portfolio and a defensive approach with a maximum of 60% invested in the market and 40% invested in defensive assets. They provide guidance on sending documents and updating contact information, and schedule a follow-up call for the following week."},"intents":{"segments":[{"text":"So every dollar, if you work during the year, the financial year, and you, you know, you earn anything under in total gross, anything under $18,200, your marginal tax rate is zero. Okay?","start_word":328,"end_word":360,"intents":[{"intent":"Explain tax rates and goals","confidence_score":0.000034710352}]},{"text":"There's the income test, the asset test, and the work test. So if you if you work less than it sounds like you do, but if you work less than forty consecutive hours in a month, like, in a consecutive month, then you pass the work test if you don't work more than forty hours in one month. K?","start_word":671,"end_word":729,"intents":[{"intent":"Understand income test","confidence_score":0.002604176}]},{"text":"Sorry, city.","start_word":860,"end_word":861,"intents":[{"intent":"Calculate cost","confidence_score":0.017552974}]},{"text":"We're gonna do what's called a notice of intent to claim.","start_word":1106,"end_word":1116,"intents":[{"intent":"Claim money","confidence_score":0.04078705}]},{"text":"I'm not quite sure what interest we get on it because we get credit interest and then we get bonus interest. So the credit interest is only, like, under $10, but the bonus interest is what we make the money on because, like I say, if you put $200 a month in and don't throw Okay.","start_word":1734,"end_word":1789,"intents":[{"intent":"Create interest","confidence_score":0.0003068741}]},{"text":"But they come it would be beneficial for you to take that hit because you've got a lower marginal tax rate, especially Yes.","start_word":1842,"end_word":1864,"intents":[{"intent":"Provide tax rate information","confidence_score":0.0026728867}]},{"text":"And then draw it up because you're 65. You can draw it up very next financial year, the July 1, if you like, Yep. which is a very, very sneaky but but completely legal strategy. And then best part is you can put the money into super, pay a lot less tax, and then pull it straight out for next financial year on the first.","start_word":1944,"end_word":2008,"intents":[{"intent":"Plan future financial plan","confidence_score":0.002010658}]},{"text":"And then on the and then on the July 1, we'll do a we'll submit a notice and intent to claim with the ATO, and then you can pull the funds straight out again, then we get all our tax back in by way of tax return.","start_word":2020,"end_word":2066,"intents":[{"intent":"Submit notice","confidence_score":0.33427083}]},{"text":"Because when I went back to work after my niece, I was only doing four hours a day. And then they said, oh, we'll have to do that contract then do another one. I'm an eye care. They said, well, do you wanna just stick on those hours too? Which I went, twelve hours a week is plenty for me to do.","start_word":2113,"end_word":2174,"intents":[{"intent":"Schedule","confidence_score":0.00021061713}]},{"text":"Well, I'm hoping that they're gonna close our store down and make them redone.","start_word":2382,"end_word":2395,"intents":[{"intent":"Relocate","confidence_score":0.2711108}]},{"text":"And so if that wasn't the case, would you say 67 is kind of the goal age? Or Probably. Or sooner.","start_word":2422,"end_word":2442,"intents":[{"intent":"Determine target age and budget","confidence_score":6.1204656e-7}]},{"text":"What do you think with your current living situation, what do you think between the two of you would be a suitable income per week?","start_word":2510,"end_word":2534,"intents":[{"intent":"Discuss living situation","confidence_score":0.009350537}]},{"text":"What do you think with your current living situation, what do you think between the two of you would be a suitable income per week? Just for example, to live off. That's with all the rates and fees. Keep in mind you got no mortgage. So would you say $800 to a thousand dollars per week for each of you would be enough? Definitely.","start_word":2510,"end_word":2573,"intents":[{"intent":"Consider reasonable income","confidence_score":0.07575608},{"intent":"Discuss cost and perks","confidence_score":0.000023979808},{"intent":"Confirm personal preferences","confidence_score":0.0007411212},{"intent":"Evaluate monetary limits","confidence_score":0.000004189113}]},{"text":"What by the time you get to age 67, what balance do you both accumulated need to be able to grow by 5% to live off at least to make at least 52,000 Mhmm.","start_word":3119,"end_word":3152,"intents":[{"intent":"Discuss balance and goals","confidence_score":0.008785803}]},{"text":"But just by knowing you guys for the time that we're going to travel, I would say that that is a pretty good retirement thousand dollars Definitely.","start_word":3472,"end_word":3498,"intents":[{"intent":"Check travel goals","confidence_score":0.0010384078}]},{"text":"So what we eventually wanna do is we wanna go to Vietnam for three months, get K. a place in Vietnam, and then virtually go from Vietnam across to all of, like, The Philippines and not to all the other places because it's easier to travel from Vietnam, Yeah.","start_word":3916,"end_word":3964,"intents":[{"intent":"Evaluate travel options","confidence_score":0.014294065}]},{"text":"just folks no. Just focusing doing what we kind of work on a plan with yourself and Baron just to try and get this in ASAP. Yeah.","start_word":4395,"end_word":4421,"intents":[{"intent":"Discuss retirement plans","confidence_score":0.07777526}]},{"text":"But what we can do is actually break it down for both of you so you can have, like, an overall scope, an overall idea of what the plan is and how long it's gonna take and what it's gonna look like. That makes Yeah.","start_word":4540,"end_word":4584,"intents":[{"intent":"Analyze plan and duration","confidence_score":0.00093443424}]},{"text":"And what we we call it risk.","start_word":4671,"end_word":4677,"intents":[{"intent":"Understand risk and risk perspectives","confidence_score":0.0010208552}]},{"text":"So looking at what time you're playing with. So like you said, by the age of 60, 70, you got two years. But at Yeah. most, five years or 70. Right? And Yeah. that will mean that Daryl will be 65. So let's stay with the five year time horizon. So that's the time horizon. Trying to understand how much time you have.","start_word":4725,"end_word":4787,"intents":[{"intent":"Analyze time horizon","confidence_score":0.075190604}]},{"text":"So your risk capacity for volatility and your risk approach. And then after that, your risk profile, which are questions are asking a little bit.","start_word":4799,"end_word":4823,"intents":[{"intent":"Assess risk profile","confidence_score":0.104349844}]},{"text":"So those four ingredients is what I'm really trying to assess because you're looking at your retirement nest egg, essentially. Yep.","start_word":5013,"end_word":5033,"intents":[{"intent":"Evaluate portfolio options","confidence_score":0.02017394}]},{"text":"You know, kinda you're not it's not your own money. It all goes into one big consolidated pool, which these benefits and there's there's pros and cons with all of it. Right?","start_word":5193,"end_word":5224,"intents":[{"intent":"Explain benefits and costs","confidence_score":0.03878793}]},{"text":"Do you have insurances inside your rest coupon? Yes.","start_word":5735,"end_word":5743,"intents":[{"intent":"Evaluate insurance coverage","confidence_score":0.045648877}]},{"text":"So all the premiums you've been paying per annum, and I'll find out what those are and let you know. But all those premiums that you've been paying per annum, are you super to an insurance company?","start_word":5898,"end_word":5934,"intents":[{"intent":"Understand insurance premiums","confidence_score":0.0020668842}]},{"text":"You're not gonna get a refund of them if you don't claim on that. Okay.","start_word":5934,"end_word":5948,"intents":[{"intent":"Help with insurance claim","confidence_score":0.00025139665}]},{"text":"So I'll probably be looking at recommending canceling notes if that's alright.","start_word":6036,"end_word":6047,"intents":[{"intent":"Recommend canceling notes","confidence_score":0.32706392}]},{"text":"I would assume that you would have more than even a half, like, to double your balance. You should have more than a $100,000.","start_word":6173,"end_word":6196,"intents":[{"intent":"Assess balance and determine eligibility","confidence_score":4.5866256e-7}]},{"text":"So what I'm gonna do is get you to sign what's called a a lost super authority.","start_word":6617,"end_word":6633,"intents":[{"intent":"Submit lost super authority documents with ato","confidence_score":0.0012363413}]},{"text":"You don't really think trust is not the first thing that comes to mind, It's fair enough.","start_word":7343,"end_word":7359,"intents":[{"intent":"Promote trust and wealth management","confidence_score":0.0017380656}]},{"text":"But right now, let's focus on the blooming stage where your GTR strategy is in place for both of you because your balance doing it. It doesn't really Mhmm. make sense for yourself. You don't have, you know, you don't really need any complex cost structures or anything like that because you don't have that you don't have investment property, factories, and stuff. Mhmm.","start_word":7823,"end_word":7886,"intents":[{"intent":"Evaluate gtr strategy","confidence_score":0.00017322776},{"intent":"Discuss gtr strategy","confidence_score":0.15867332}]},{"text":"So we're gonna do your super and insurances, and we're gonna start looking at social security when you get to the age of 67. Yep.","start_word":7905,"end_word":7929,"intents":[{"intent":"Discuss social security strategies","confidence_score":0.33976746}]},{"text":"Try and get as much of the tax money you paid throughout your life back. Mhmm.","start_word":7930,"end_word":7945,"intents":[{"intent":"Discuss tax money","confidence_score":0.5576359}]},{"text":"And maybe you wanna do the kitchen up or something like that that'll cost Yes.","start_word":8008,"end_word":8022,"intents":[{"intent":"Discuss kitchen renovation","confidence_score":0.43127632}]},{"text":"So QCA, Accountants, Gold Coast Wealth Mortgage Brokers, Finance Industries Australia is more along the, like, commercial lending side. And then you've got Cape Fear and Associates and then Gold Coast accounting. So pretty much any normal basis, we Mhmm. we don't get any referral fees from that at all because we run our own license, our own agents. So I'll explain that to you in a second. But, Yep.","start_word":8385,"end_word":8454,"intents":[{"intent":"Explain finances guide","confidence_score":0.00015366914}]},{"text":"we don't get any referral fees from that at all because we run our own license, our own agents.","start_word":8424,"end_word":8442,"intents":[{"intent":"Discuss commissions","confidence_score":0.000044438457}]},{"text":"yeah, that's just a little bit more about that network and how we provide extra service to clients. That Yep.","start_word":8454,"end_word":8473,"intents":[{"intent":"Inform about network","confidence_score":0.00021221176}]},{"text":"Number one, the purpose of this financial services guide or FSG, we call it, is to provide you with as much information as possible. And if something goes wrong or if all the services we provide, who the license is under, and what that license entails. Okay?","start_word":8538,"end_word":8584,"intents":[{"intent":"Provide information about financial services","confidence_score":0.008894398},{"intent":"Explain licenses","confidence_score":0.010433907},{"intent":"Explain licenses","confidence_score":0.041496515}]},{"text":"if there's any conflicts of interest in how to make complaint if you want to.","start_word":8588,"end_word":8602,"intents":[{"intent":"Discuss conflicts of interest","confidence_score":0.13873902}]},{"text":"We Bob and I were actually the second youngest firm in the country. Yeah.","start_word":8636,"end_word":8649,"intents":[{"intent":"Discuss afico number","confidence_score":0.03539446}]},{"text":"So lack of independence, we can't say we're independent, we won't bias, or impartial because technically, ASIC has rules rules over us, rulings over us.","start_word":8726,"end_word":8750,"intents":[{"intent":"Express independence","confidence_score":0.0032743644}]},{"text":"It's a really stupid law that we have to include. It's just obviously, it's it's section nine two three a of the Corporations Act. Very short.","start_word":8752,"end_word":8777,"intents":[{"intent":"Include in statute","confidence_score":0.016414365},{"intent":"Include section nine two three a of the courts act","confidence_score":0.00034293334}]},{"text":"We can't recall ourselves independence. Yeah.","start_word":8853,"end_word":8858,"intents":[{"intent":"Recall independence","confidence_score":0.6238263}]},{"text":"Now the services we provide, we provide everything. If you think along with financial scope, you think of money, think of us. We can give you recommendations on it outside of mortgage broking and accounting.","start_word":8868,"end_word":8902,"intents":[{"intent":"Provide services","confidence_score":0.5518781}]},{"text":"can give advice on tax. I just don't do tax returns because I don't get paid enough, and it's just really a horrible thing to do. It We would need people be. to do that. Yeah.","start_word":8959,"end_word":8994,"intents":[{"intent":"Provide advice on tax returns and financial reports","confidence_score":0.0000036950828}]},{"text":"In a couple weeks, we'll go through a recommendation through a statement of advice, give you an idea about the tracking for and if we can help you.","start_word":9059,"end_word":9086,"intents":[{"intent":"Help with tracking and influence everything","confidence_score":0.005429127}]},{"text":"In any way, From there, you'll give us consent to proceed, the ATP authority to proceed.","start_word":9087,"end_word":9102,"intents":[{"intent":"Get consent to proceed with the law","confidence_score":0.0001249451}]},{"text":"The last main important thing is complaints. The number 11. Very bottom.","start_word":9521,"end_word":9532,"intents":[{"intent":"Resolve complaints","confidence_score":0.002069085}]},{"text":"IDR means you get in touch Yep. with the compliance manager, which is me. But you wouldn't wanna speak to me.","start_word":9732,"end_word":9752,"intents":[{"intent":"Speak to compliance manager","confidence_score":0.2082654}]},{"text":"But if for some reason Bart tells you to get stuff and go away, then you can always go to what's called an EBR, an external dispute resolution. Mhmm.","start_word":9799,"end_word":9827,"intents":[{"intent":"Resolve dispute","confidence_score":0.019913973}]},{"text":"Now I'm gonna ask you some questions in regard in regards to your risk profile. Like I said, Mhmm. these questions, yeah, I need to know your tolerance and capacity, your risk. I know your time right and know what you wanna achieve, but I just need to get more of a sense of what kind of what kind of risk financial risk taker you are. Okay? So Mhmm.","start_word":10230,"end_word":10298,"intents":[{"intent":"Evaluate financial risk","confidence_score":0.123655856}]},{"text":"And the next question that I already know the answer to is once the investments have been placed in force, how long before you need access or you want to access your capital?","start_word":10503,"end_word":10535,"intents":[{"intent":"Explain question","confidence_score":0.003877448}]},{"text":"So investments can go up and down in value over time. It's called volatility. How much could your let's say you invest your super with us. How much could your superannuation drop and fall in value by before you start feeling concerned and anxious? K?","start_word":10562,"end_word":10606,"intents":[{"intent":"Discuss investment value","confidence_score":0.024520336}]},{"text":"And what based on that answer, what happens if, let's say, in six months after investing your funds plus, you find out that obviously in line with general trends with the market, so some sort of collapse, your portfolio has decreased by 20%. So that's then your portfolio essentially drops by what you go for. So about $10,000.","start_word":10637,"end_word":10694,"intents":[{"intent":"Explain potential portfolio valuation","confidence_score":0.0000013226257}]},{"text":"What would you do?","start_word":10712,"end_word":10715,"intents":[{"intent":"Discuss portfolio potential","confidence_score":0.000042230895}]},{"text":"Would you, one, invest heavily for future growth? Two, invest modestly for future growth? Three, hold and wait improvement? Or four, shift to more secure assets and tell me to get stuff?","start_word":10716,"end_word":10747,"intents":[{"intent":"Discuss portfolio options","confidence_score":0.00885433}]},{"text":"This is a very dumb question, but I'm gonna ask it anyway. So what kind of return and percentage do you want do you expect to achieve over the longer term? More than 8%? Between six and eight percent? Between 46%? Or just tracking the cash? I'd say 8%. You're on the highest. Right? Yeah. I assume so. I don't even know why that question is there. Exactly.","start_word":10780,"end_word":10847,"intents":[{"intent":"Ask question","confidence_score":0.029669343}]},{"text":"Have you thought about ever taking out a loan to invest? One, you borrowed or open to borrowing money for stocks and funds and manage funds and shares? Or or two, you have borrowed or open to borrowing for an investment property?","start_word":10862,"end_word":10903,"intents":[{"intent":"Discuss portfolio options","confidence_score":0.0031774447}]},{"text":"Is there any way that you can grab a statement? Wrist won't do a statement because I asked them that, and they said all they can do is tell me over the phone. I don't know when they send their statements out. I actually, I don't think I can get statements from Wrist.","start_word":11830,"end_word":11882,"intents":[{"intent":"Obtain statements","confidence_score":0.0026934776}]}]},"sentiments":{"segments":[{"text":"Hello? Yeah. I got Hello? Now you said Hi, he's got up.","start_word":0,"end_word":11,"sentiment":"neutral","sentiment_score":0.0892103910446167},{"text":"Savvy.","start_word":12,"end_word":12,"sentiment":"positive","sentiment_score":0.3891534209251404},{"text":"How How are are you? you?","start_word":13,"end_word":18,"sentiment":"neutral","sentiment_score":0.2659042775630951},{"text":"I'm I'm good. doing well. That's good. That's good.","start_word":19,"end_word":27,"sentiment":"positive","sentiment_score":0.6239356994628906},{"text":"I understand Okay. you're You're not calling you're me. seeking some financial advice. We must have done Yes.","start_word":28,"end_word":45,"sentiment":"neutral","sentiment_score":-0.007139802910387516},{"text":"a good job with Darren.","start_word":46,"end_word":50,"sentiment":"positive","sentiment_score":0.4988636374473572},{"text":"Yes. Alright. Well, I guess, we'll start off with how can we help. Okay. Well, because you were talking about something before when you were talking down about with mine as well. Yeah. Possibly. It depends on your so I'm assuming just from memory, I think it has to do with that transition to retirement strategy Yep. or spousal contributions. Well, my hours have cut right down now that I'm only doing twelve hours a week. Okay. How much do you think that's gonna be a a wage wise just gross over the year? Okay. I can tell you exactly how much that's gonna be. Give me one You're alright. Take your time. second. All good. It's not much. That's for sure. Is it under $18,200? 18 or 18. 18. No. One Yeah. 8. Yes. Correct. No. It's 20 Twenty one? Okay. So let me just write that down. So so the reason why I asked that question is because $18,200 is what we call tax free threshold. one. Yep. So anything between 18,200 and $1 up to 45,000, you go into the next tax bracket and then so on and so forth. So when you're looking at strategies like TTR strategies or, you know, something a little bit more complex like Darren's, the only the only benefit that you get in a tax scenario with the TTR transition to retirement strategy, I like that, is the gap between 15% and what is or what your marginal tax rate is. Yep. So if you're on 21,000 a year and I might reflect the tax free threshold. Do you know what that means? Or Not really. okay. So every dollar, if you work during the year, the financial year, and you, you know, you earn anything under in total gross, anything under $18,200, your marginal tax rate is zero. Okay? So you don't pay any tax tax rate. Yep. But Alright. every dollar you put every dollar over 18,200, say 18,201, on that $1, you will pay 17<unk> per dollar including Medicare Levy. Okay. So you know, if you but if you Mhmm. put that same dollar towards superannuation, you only pay 15% tax. Alright. So there's a grand saving of, you know, 2% of tax, essentially, or three Mhmm. percent tax. So if I have a look at that, the difference in what your marginal tax rate is from tax free, because that's always best, is 2,800, and that comes up by 0.02 Not divide. One second. Sorry. Two eight zero zero times five zero zero. So if you go through all the effort of setting up a similar strategy, you will save a grand total of $56 a year in tax. Oh, wow. Yeah. So so there are but but don't fret. So GTR is probably not for you. But don't fret. There are there are lots of weird and wonderful strategies out there, especially being in your agent stage. Mhmm. Okay. So I guess I wanna start off with have we talking about sponsor contributions? But just just just never mind that for the moment. What do you wanna achieve and by when? I'm not really sure. It's just that we were talking about because I'll because I know, like because I'm 65 this year, so now I'm coming to retirement age. So yeah. So I'm not really quite sure. So, Okay. like, if Okay. I because I know I can't get any pension, can I, until I'm 67, isn't it? Correct. It used to be 66.5 years old, but now 67. You'll get Yep. the government pension and your primary place of residence is exempt From Yep. the there's there's three kind of rulings with that. There's the income test, the asset test, and the work test. So if you if you work less than it sounds like you do, but if you work less than forty consecutive hours in a month, like, in a consecutive month, then you pass the work test if you don't work more than forty hours in one month. K? That's the work test. The asset test depends. So there's lots of weird ones for numbers that you throw out there, but for a couple, your asset exclude which is all your stuff pulled together, Yep. excluding your primary place of residence, excluding your home, the apartment. If you pull everything together, and it's less than, I believe, for a couple of you when you reach that agent stage. I could be wrong, but you can Google it. For a couple, if you have a combined pool assets assets of, I think it's less than 425,000 for 250. They change it all the time, but that's the last time I remember. I saw it, hopefully, this financial year. Then does that sound about you guys or How much is that again? Sorry, city. $425,002,250 dollars. So is that, like, just that's not including the house. It said that that's just savings, Every is it? well, that's everything combined excluding your house. So your cars, your jewelry, your furniture, your superannuation, your any investments. We should be on the 400,000, I think. Okay. So Maybe. how much let's let's follow-up with how much you're gonna take it. Is it all in superannuation? Do you still have some cash in? No. Because I've got passion there that because we've done we're getting us to put that $30,000 into his out of our savings into his tax. So we don't into his super so we don't pay tax on it. Yep. Correct. So with that, is it worth us putting it all in it or just the 30,000? Well, yeah, that's the thing. So we calculated it exact in Darren's strategy. Because if you put anything more, then he will exceed certain caps, and then you get taxed at not just his highest marginal tax rate, the highest marginal tax Yeah. rate. Because I know that when they do the tax with that money that we've got in the in the account that gets money, I know when our account does it, she takes it off my tax. So it's touching here. Is that why I've always got it that way Yeah. last year I had to pay? Well, we're gonna do we're gonna do some sexy stuff with that. We're gonna do what's called a notice of intent to claim. So all of that money, we're gonna essentially tell the ATO, look, That money isn't from the proceeds that came from the sale of the first time or Oh, whatever no. It's those not. supposed to be. So whatever your cash savings are, whatever it might be, if you can you've got some cash savings in the bank, we're gonna contribute at the super, but then draw it out straight away. But the catch is we're gonna do what's called a notice of intent to claim. And what you get is the difference between the marginal tax rate of Darren, which is 30 I believe it's 32 and a half plus Medicare. It'll be 34.5<unk> to every dollar on that 30,000. We're only paying 15% on that. And then we're gonna do a intent to claim so that he can deduct it from his taxable income, the difference between Yes. those two, which is a lot. But Yep. that's that's the sexy stuff. So his strategy is kinda locked in. So to answer your question, no. You can't put more towards Darren Super, but you can for yourself. Okay. But there's no point. Well, exactly. Yeah. Right. Oh, actually, there might be. Your birthday just correct me if I'm wrong memories. Third or the fourth, it was one day less than mine. So the third of the Third tenth. of October. Right? Yeah. Third of the tenth. Right? Yep. And you're gonna turn 65 years old? Yep.","start_word":51,"end_word":1363,"sentiment":"neutral","sentiment_score":0.012498921324957876},{"text":"That means that you will be able to draw out as much as you like on your super fund Oh, yeah.","start_word":1364,"end_word":1384,"sentiment":"positive","sentiment_score":0.3496406078338623},{"text":"Well, I did whilst because the I drew it out for my for my name. correct. Correct. I'm just trying to think of the show. Let's go through the process. I'll show you a little bit more about us and I'll get I just need to do a little bit more about understanding what you're looking for. I'm sure that we'll be able to work something up. But yeah. I've I've got a bit of an idea in my head just by knowing Darren's situation already. Yeah. Okay?","start_word":1385,"end_word":1472,"sentiment":"neutral","sentiment_score":0.14961929619312286},{"text":"Beautiful.","start_word":1473,"end_word":1473,"sentiment":"positive","sentiment_score":0.5823190808296204},{"text":"Because, So let's see, get the money back to yeah, because sorry. the money that we've got in the bank account is And how do you feel about that money? Is that, like, your safety net? Do you Well, not it's virtually wanna yeah. Well, that's virtually what Yep. it is. It's virtually like so that we've got money behind us as well. Because there's a 100 that will will most probably take some money out to get the same plantation shows. So at the moment, there's a 177,000 in it. Okay. Okay.","start_word":1474,"end_word":1566,"sentiment":"neutral","sentiment_score":0.08006957918405533},{"text":"Perfect. And all the rest has been contributing to suit.","start_word":1567,"end_word":1576,"sentiment":"positive","sentiment_score":0.3958390653133392},{"text":"Right? Well, that isn't even with the money taken out of super for the super yet. Okay. Gotcha. Because, Gotcha. see, with this one, if we this account that we've got, that, like, we accept this. If we put $200 a month in there without touching it, then Yep. we get, like, interest each month. We'll Yep. see. We put more in there. So, like, each month, the bonus interest is around about $700 a month that we're getting. Okay. So the interest is it in a high savings, like, a high yielding kind of accounts or savings Yep. maximizer or something? Yep. And is Yes. it about It's that? a growth saver account. Right. Sabercont. Who's it with? From George Suncorp. Sorry. Okay. So it's Suncorp, and that is a what was the name of the product again, sir? It's a GrowthSaver account. Right. Sabre account. Is it somewhere in the 5.5% interest rate or something? I'm not quite sure what interest we get on it because we get credit interest and then we get bonus interest. So the credit interest is only, like, under $10, but the bonus interest is what we make the money on because, like I say, if you put $200 a month in and don't throw Okay. any money out of that, then you get the monthly interest, which is like, as I said, each month, we normally get around about $7,800 a month. Then Okay. we That's gotta just pay good. tax on that. Okay. Yeah. Because it's an income stream. Correct. Exactly. So if we so yeah. But they come it would be beneficial for you to take that hit because you've got a lower marginal tax rate, especially Yes. if you're gonna be you should just salary sacrifice whatever whatever your income is. I'll do that as a strategy. Well, whatever your income is above 18,200. So whatever that income is, you said it's about $7.50 a month, times that by $129,000 dollars. And then we've got above the 18,200 from the current wage is what was it? $2,800, something like that.","start_word":1577,"end_word":1927,"sentiment":"neutral","sentiment_score":0.09040163495601752},{"text":"So that means you can contribute essentially $11,800 to super and save money and tax.","start_word":1928,"end_word":1942,"sentiment":"positive","sentiment_score":0.41890543699264526},{"text":"Yeah. And then draw it up because you're 65. You can draw it up very next financial year, the July 1, if you like, Yep.","start_word":1943,"end_word":1967,"sentiment":"neutral","sentiment_score":0.25853046774864197},{"text":"which is a very, very sneaky but but completely legal strategy. And then best part is you can put the money into super, pay a lot less tax, and then pull it straight out for next financial year on the first.","start_word":1968,"end_word":2008,"sentiment":"positive","sentiment_score":0.4496346116065979},{"text":"You can pull it in on June 30 if you like. And then on the and then on the July 1, we'll do a we'll submit a notice and intent to claim with the ATO, and then you can pull the funds straight out again, then we get all our tax back in by way of tax return. Oh, okay.","start_word":2009,"end_word":2068,"sentiment":"neutral","sentiment_score":0.24944043159484863},{"text":"Yeah. Cool. So it's like that.","start_word":2069,"end_word":2074,"sentiment":"positive","sentiment_score":0.4424299895763397},{"text":"Yeah. You're in that little Goldilocks zone right there. Yeah. Yep.","start_word":2075,"end_word":2085,"sentiment":"neutral","sentiment_score":0.23741726983677255},{"text":"Yeah. So 60 to 65, 66, 67 kind of area is where you can really benefit.","start_word":2086,"end_word":2101,"sentiment":"positive","sentiment_score":0.4820607900619507},{"text":"So I Yeah. wish Because I saw I it. went yeah. Because when I went back to work after my niece, I was only doing four hours a day. And then they said, oh, we'll have to do that contract then do another one. I'm an eye care. They said, well, do you wanna just stick on those hours too? Which I went, twelve hours a week is plenty for me to do. I said so I said, I'll just Yeah. do twelve hours a week. I don't wanna do any Yeah. more than that. Yeah. Yeah. Well, fair enough. If you don't need to, don't do it. You know? I mean, don't Well, put exactly. any more stress in your body. Exactly. Exactly. And and I mean, you've got you've got the cash savings account. You've got, you know, Darren and yourself, what's what's his is yours and what's yours is yours. Right? Let's try the Yeah. CareClick. Exactly.","start_word":2102,"end_word":2261,"sentiment":"neutral","sentiment_score":-0.0023349798284471035},{"text":"This guy is training me well.","start_word":2262,"end_word":2267,"sentiment":"positive","sentiment_score":0.34203001856803894},{"text":"So, yeah, from an asset pool perspective, it's really you know, you you you you've worked hard.","start_word":2268,"end_word":2284,"sentiment":"neutral","sentiment_score":0.28196635842323303},{"text":"And now that you wanna hang up your boots, you wanna call every day, I think you should be you should reap the rewards of your hard Yep. work along your way.","start_word":2285,"end_word":2316,"sentiment":"positive","sentiment_score":0.3722647726535797},{"text":"So I'm gonna I'm gonna go back to that first question. Mhmm. What what does retirement look like for you? Were you hoping to get to eight seven? Have you got a number per week in mind? Or Not really. I was just gonna work until I didn't wanna do it anymore, which would okay. probably only be well, it'll probably only have been overseas. Well, I'm hoping that they're gonna close our store down and make them redone. That'll be even Lovely.","start_word":2317,"end_word":2399,"sentiment":"neutral","sentiment_score":-0.02691113017499447},{"text":"We love her number two payments.","start_word":2400,"end_word":2405,"sentiment":"positive","sentiment_score":0.49225956201553345},{"text":"better. I'm So hoping I know it's that not they'll so much. do that.","start_word":2406,"end_word":2419,"sentiment":"neutral","sentiment_score":-0.0910106524825096},{"text":"Okay. Perfect.","start_word":2420,"end_word":2421,"sentiment":"positive","sentiment_score":0.5196681022644043},{"text":"And so if that wasn't the case, would you say 67 is kind of the goal age? Or Probably. Or sooner.","start_word":2422,"end_word":2442,"sentiment":"neutral","sentiment_score":0.06407202035188675},{"text":"It's a good it's a good yes.","start_word":2443,"end_word":2449,"sentiment":"positive","sentiment_score":0.5525280833244324},{"text":"Yesterday, I believe, Okay. I'm 67 years old. And so I know Darren's answer, but I'm gonna I'm gonna ask you the same question. So when you get to, say say, 65. Sorry. 67 years old and you call it a day or yesterday, whenever the retirement age is, you hang up the boots, call it a day. Done. Mhmm. What do you think with your current living situation, what do you think between the two of you would be a suitable income per week? Just for example, to live off. That's with all the rates and fees. Keep in mind you got no mortgage. So would you say $800 to a thousand dollars per week for each of you would be enough? Definitely. Yeah. What what what would you consider a pretty reasonable amount? I'd rather say about I mean, like, because if you put in body core pin rates or things like that, Mhmm. and Yep. then, like, you'd want for, like, when Yeah. we travel and everything. So probably about, yeah, maybe $121,300 per week. Getting hungry. Okay. So to give with to give you an idea of what that kinda looks like, so if you look at a thousand dollars a week, that's fifty two weeks and years. That's $52,000 in that year income. Right? If you join that out of something some sort of concessional environment like, let's say, superannuation, completely tax free when you pull it up. If Yep. you can get a thousand dollars a week for a couple with no mortgage, and a spam is, like, four bedroom miles, that's about that's paying all rates and fees, living comfortably, and while doing so, having about two to three overseas holidays a year. Of course. Yeah. So would that would that be a reasonable number to kind of work towards, or you Definitely. still wanna stick with that 1,200? Whatever we can get so that we can get everything that you just said.","start_word":2450,"end_word":2779,"sentiment":"neutral","sentiment_score":0.05607577785849571},{"text":"Okay. A thousand dollars is is a pretty good benchmark Yep. because, like, half of that cash in hand, thousand dollars a week between both of you, I think that's a really good number to work towards, especially being, you know, debt rate, Yep.","start_word":2780,"end_word":2823,"sentiment":"positive","sentiment_score":0.6205481290817261},{"text":"essentially. Well, exactly.","start_word":2824,"end_word":2826,"sentiment":"neutral","sentiment_score":0.3054048717021942},{"text":"Yeah. We are debt free. So yeah.","start_word":2827,"end_word":2833,"sentiment":"positive","sentiment_score":0.4184132516384125},{"text":"So you only have to worry about the the council rates and wherever they're taking that Yeah. money Exactly. to because, Yeah. again, it's just not the puddle up in front of my house. How the nose is showing me doesn't have a panel up in front of his house, like, the number's going to you. Now okay. So that's if you wanna get technical and kinda give you an idea, because you don't know where my head's at and why we asked that question. Or Mhmm. so we like to look at true financial freedom. Right? So so what that means and what that looks like is having a certain amount in an asset pool in investment that are appreciating value or paying dividends or whatever it might be to be able to grow by essentially $52,000 a year so that you Mhmm.","start_word":2834,"end_word":2977,"sentiment":"neutral","sentiment_score":0.15658201277256012},{"text":"can draw that $52,000 a year in the interest of growth, house tax free, and not affect your bottom line balance that you started with in the beginning of the year.","start_word":2978,"end_word":3008,"sentiment":"positive","sentiment_score":0.36981824040412903},{"text":"Because then Yep.","start_word":3009,"end_word":3011,"sentiment":"neutral","sentiment_score":0.28895995020866394},{"text":"you're just living up free money.","start_word":3012,"end_word":3017,"sentiment":"positive","sentiment_score":0.4421789348125458},{"text":"Right?","start_word":3018,"end_word":3018,"sentiment":"neutral","sentiment_score":0.2999502718448639},{"text":"That's how Mhmm. the whole system works.","start_word":3019,"end_word":3025,"sentiment":"positive","sentiment_score":0.3772415220737457},{"text":"So between the both of you, where my head's at is going, well, if you want a thousand dollars a week, that's $52,000 in a year because it's 50 cheaper. There's fifty two weeks in a year, 105,000. Mhmm. And if I get, let's say, measurable fees and very conservative, let's say, you know, 5% return. National fees. So about 7<unk> with everything inclusive. Right? Yep. If I divide that by 7%, so what I'm trying to work out is what what balance do we need to have to start off with? What by the time you get to age 67, what balance do you both accumulated need to be able to grow by 5% to live off at least to make at least 52,000 Mhmm. dollars in a year? Does that make sense? So Yep. Yep. and that number is 1,000 oh, sorry. $1,040,000. Mhmm. So accumulated until the time of retirement, you know, you if we can somehow work out a way to get a combined asset pool between both of you worth $1,040,000. I mean, and then you can even go 6%. Like, 6% because the cash rate's really the cash rate's 4.35%. So your money in the bank's making at least 4.35% every year. Yep. Alright. So let's say 6%. So 1 $52,000 divided by 0.06. So we need to get combined asset pool of $866 and 6 $666, essentially. Mhmm. So you're looking at about somewhere around the $8.70 mark, just to 900,000. So combined asset goal, if we can get both to be there, Darren's obviously got five to seven years. You've got a little bit less than that. Yep.","start_word":3026,"end_word":3301,"sentiment":"neutral","sentiment_score":0.13048265350685603},{"text":"But combined, if we can get you to essentially $870,000, then if we can get a return of 5% every year, you can draw that out and not affect that balance at all and live on free money.","start_word":3302,"end_word":3339,"sentiment":"positive","sentiment_score":0.35099852085113525},{"text":"Yep. Okay. Does that make Yep. sense? Are you sure? I Kind need of to. makes sense. Yes. Yeah. I wanna I wanna make sure that I'd like the the the goal that we're working towards is the same Yep. goal that you want, potentially. Some Okay. people want you know, some some clients speak to me and say, work next to nothing and say, I want to pay those apartments and super yachts tomorrow. Yeah. But other client, you know, It's I have a big not gonna alright.","start_word":3340,"end_word":3428,"sentiment":"neutral","sentiment_score":0.013840414583683014},{"text":"It's not really realistic.","start_word":3429,"end_word":3432,"sentiment":"negative","sentiment_score":-0.388898491859436},{"text":"But other clients just have all the money in the world and they wanna live in a beach house in The Philippines. You know what I mean? So it's it's it really depends on each person. happen. Yeah.","start_word":3433,"end_word":3470,"sentiment":"neutral","sentiment_score":-0.1507791131734848},{"text":"But just by knowing you guys for the time that we're going to travel, I would say that that is a pretty good retirement thousand dollars Definitely. a week. Definitely. Mhmm. Beautiful. Okay. Well, let's work towards that. That's the goal.","start_word":3471,"end_word":3511,"sentiment":"positive","sentiment_score":0.5075649619102478},{"text":"What else was there? Did you just wanted to catch up and just make sure you're on track? Did you wanna put in place a strategy to get to that? Or Well, probably so how do we go about doing what you just spoke about? Like, how do I go about doing that? so what I will do is give you an itinerary breakdown. What we're gonna do is go through what we find out a little bit about you guys and what you you're individually as a person as Margie wants. And I just found that out. So after that, I'll show you a little bit more about us, which is the financial services guide and the OPU services guide and share the compliance numbers, all the fees, all the blah blah blah and whatever else. Obviously, your upfront are are hard for you. That's okay. I'll continue Yep. to work. But, yeah, what we'll do is after that and you understand everything, then we will go through a back time, risk profile, and then I'll shoot you through an email. You'll get me Mhmm. a whole bunch of documents, and then in a week to two weeks time, we'll catch up again. I'll probably sit down, come to the office. So you've both Yep. been there, and I'll present a statement of advice. And if you like what you see, then you sign it on the dotted line and we do implement everything for you. Okay.","start_word":3512,"end_word":3759,"sentiment":"neutral","sentiment_score":0.12801162898540497},{"text":"Not a problem. Sounds good. Beautiful.","start_word":3760,"end_word":3765,"sentiment":"positive","sentiment_score":0.49038025736808777},{"text":"Alright. So we got the retirement goal, the retirement age. What did you wanna use that $1,000 for? You said something about travel. Oh, because we, yeah, because we like traveling. Like, we only stop because by now so now my needs are better. We're gonna start traveling again. Mhmm. What is traveling look like for you? Well, we always used to go away, like, once a year for at least four to six weeks. K. One times four to six weeks. Yep. Yep. And do you have any preferred spots? Or Anywhere over the world, I have to say. yeah. What's that Mark Twain quote? It's for life's like a novel. If you don't if you don't travel, you don't read past the first page. Right? That's Right. right. See it. I mean, like, we've done Europe and all that, so it's probably just places like all over there. So what we eventually wanna do is we wanna go to Vietnam for three months, get K. a place in Vietnam, and then virtually go from Vietnam across to all of, like, The Philippines and not to all the other places because it's easier to travel from Vietnam, Yeah. Correct. and it's cheaper. So that's what we virtually wanna eventually not do in three months. Like, Okay. not in three months, but, like, four, three months. Yeah. But Gotcha. that'll Gotcha. be well, towards being taken Darren's most probably gonna end up getting to retirement age because I'd rather Okay. do it sooner. But Yeah. he's like, Okay. well, no. I've gotta keep working. And so I thought, well, no. You don't. But anyway Well, we don't well, we don't particularly know yet. You know? Once we've got you, we look at the overall pool as a couple, the both of you. yep. Then, yeah, we can essentially work out the numbers and put it all together, and we can all catch up and go. There will be a point in time in the next couple of years. I will give you a call. I'll say, look. Call it a day. Go get that place in Vietnam. Yeah. Because I said, Joan, I said because John goes, oh, you know, I've gotta work. So I know you don't. I said, like I said, the other thing I said, we wanna do things right now, not wait until, like, you're too old to do things. I said, what's the point of having all Yeah.","start_word":3766,"end_word":4178,"sentiment":"neutral","sentiment_score":0.03845659707454157},{"text":"this money if we can't do anything good because we're too old to do anything.","start_word":4179,"end_word":4193,"sentiment":"negative","sentiment_score":-0.3854096829891205},{"text":"So Yeah. Well, I I'm trying my best to look after Carrie and Rykes so you don't have to don't don't don't give any more to kids. I got enough steps with you guys. So in Vietnam okay. So when you say Vietnam for three months, are you thinking about purchasing a place over there or No. selling You can't. your You can't buy over there. Oh, no. We will never sell this place. good. Okay.","start_word":4194,"end_word":4269,"sentiment":"neutral","sentiment_score":-0.023905055597424507},{"text":"Cool. Perfect.","start_word":4270,"end_word":4271,"sentiment":"positive","sentiment_score":0.4307815432548523},{"text":"No. It'll be virtually that we just go on holiday for three months. So, like, we'll go there. We'll live overseas for three months, and then we'll come back here. Then we'll do it again. We'll go over somewhere else for three months and come back. So, virtually, like, I wanna do it so we can actually go away and have, like, a holiday for three months of the year. Yeah. Yeah. And, like, actually absorb the culture and understand and work with it, and we can meet the local people and stuff like that. Yep. Got it.","start_word":4272,"end_word":4369,"sentiment":"neutral","sentiment_score":0.0967988297343254},{"text":"Beautiful. And then travel from there. Amazing.","start_word":4370,"end_word":4376,"sentiment":"positive","sentiment_score":0.46331825852394104},{"text":"Alright. Well, outside of that, is there anything else you wanted us to look at? Not Just really. just folks no. Just focusing doing what we kind of work on a plan with yourself and Baron just to try and get this in ASAP. Yeah. Just like so that I know that, like, if when I do retire that, like, it's not gonna be that we really can't afford for me to retire. Like, I'd rather retire before two years. I'd rather Dan retire before he's even 65 if he can, but that's only another Yeah. five years. So I don't know if he can do that, but that would be lovely if you Well, when we catch up and I go through the statement could.","start_word":4377,"end_word":4502,"sentiment":"neutral","sentiment_score":-0.05310744419693947},{"text":"of advice, I'll give you I'll give you Darren's welcome. Obviously, he's a client.","start_word":4503,"end_word":4516,"sentiment":"positive","sentiment_score":0.438103049993515},{"text":"He can come in anytime, but as well. But with your authority, of course, I I don't see why he wouldn't want it.","start_word":4517,"end_word":4539,"sentiment":"neutral","sentiment_score":0.07137683033943176},{"text":"But what we can do is actually break it down for both of you so you can have, like, an overall scope, an overall idea of what the plan is and how long it's gonna take and what it's gonna look like.","start_word":4540,"end_word":4581,"sentiment":"positive","sentiment_score":0.4827290773391723},{"text":"That makes Yeah. sense? Because I said to Jonathan, do you wanna think? When you're 65, I said I'm gonna be 70 because I'm five years older than me. So I said, like I said, you're still gonna be 65. I'm gonna be 70. I might wanna travel at 70. I wanna travel now, not 10. Yeah. There there there's a lot to it. So when you're talking I know. about, let's say, superannuation, for for example, when you're looking at trying to there's always this catch 22. Right? And what we we call it risk. There's a think of like a boiling pot when you think about investing. Think about a pot like the free riches in Macbeth. Right? Gogu Yep. Gogu, boil and shovel, five meats, all those things. Yep. There's four ingredients that go in, and that is time horizon. So looking at what time you're playing with. So like you said, by the age of 60, 70, you got two years. But at Yeah. most, five years or 70. Right? And Yeah. that will mean that Daryl will be 65. So let's stay with the five year time horizon. So that's the time horizon. Trying to understand how much time you have. The reason for that is because of these things that volatility. So your risk capacity for volatility and your risk approach. And then after that, your risk profile, which are questions are asking a little bit. So when you're thinking about investing, a lot of the time clients come to myself and along the way, you know, almost every time when especially when things go bad, they most of the time, they come to us and say, well, I've lost all this money because some shifting financial advisers contract. Right? They invested my money into something that was really aggressive, and now my $100,000 is sitting at 60,000. And I was looking at retiring next year. Right? Yeah. How do I make that money back?","start_word":4582,"end_word":4912,"sentiment":"neutral","sentiment_score":0.00994508896934662},{"text":"And every single time, I don't give them I don't give our clients the answer that they're calling here, but the answer is you should never have been taking that much risk or exposure in the first place.","start_word":4913,"end_word":4950,"sentiment":"negative","sentiment_score":-0.37670400738716125},{"text":"Because if you were taking a more defensive approach in line with your time horizon, Even though you could love the most aggressive investments on the planet, it doesn't matter because you don't have enough time to make it back to GLC two point o. Yeah. Exactly. Yep. Right? And so that's what we're trying to navigate at the moment. But yeah. So those four ingredients is what I'm really trying to assess because you're looking at your retirement nest egg, essentially. Yep. Okay. So another thing I was gonna ask, so is the rest alright for me to have my soup in or should I speak with it? Are they alright to have it in? Well, so it's it's a hard one. I can't really say because I haven't done numbers. But I do know that you can get grouping discounts, so the super funds, not industry funds, retail funds to get you a better return, as we've seen with Darren. Rest look, industry funds are they're they're based on industry. So rest stands for Retail Employee Superannuation Trust. Yeah. Alright. So it's for retail employees, which is quite like this. Alright? But when you look at the actual fundamentals, like the functionings of that fund itself and all industry funds, those little hand diamonds, you know, you've seen the adverts on, they are what's called a master trust. So they go all the assets go into one big pool. You know, kinda you're not it's not your own money. It all goes into one big consolidated pool, which these benefits and there's there's pros and cons with all of it. Right? So Yep. the pro is that it makes the admin fees extremely low because usually with the war actually with all industry funds, there's a there's a dollar figure per week or per per annum, which is usually somewhere around, you know, rest of the things like a dollar 90 or dollar 70 let's just say, for a number's sake, a dollar 50 per week at 70 Yep. at 70, I think, $78 a year.","start_word":4951,"end_word":5298,"sentiment":"neutral","sentiment_score":0.09237575437873602},{"text":"So it's really, really cheap.","start_word":5299,"end_word":5303,"sentiment":"positive","sentiment_score":0.5050375461578369},{"text":"But you'll notice that there's also a percentage based administration fee. And that's usually, like, 0.11% including GST, something like that. And that is a very low percentage if you've got low balance. So Yep. if you're starting out in the industry, if you're 16 years old, just working at Matthews, you know, something like that, retail, then you have a Superfund contribution. You've got let's say, after a year, you got $5,000 in your Yep. Superfund. Alright? You'll you'll start you'll notice that you don't pay much in fees because of such a low balance. But the usually, when you get to the balance with most industry funds, when your balance gets to somewhere on the 50 to $80,000 depending on the fund, that kind of math, what happens is that percentage based fee starts building up. Alright? So 0.1% on $10,000 is a $100, but zero that same 0.1% on, you know, 500,000 is $5. Yes. So that that's what happens. That's usually where you see the larger balances above anywhere from 50 to $80,000 compensating for the small balance. So you're paying for the smaller balance card, essentially.","start_word":5304,"end_word":5494,"sentiment":"neutral","sentiment_score":0.09527479112148284},{"text":"So when you've got a lower balance, I think industry funds are amazing tool.","start_word":5495,"end_word":5508,"sentiment":"positive","sentiment_score":0.44605475664138794},{"text":"Yep. Anywhere below kind of you're back. The balance you're kind of you got at the moment. You you've got somewhere around the $4,050,000 to I've use only of cooperation. gotten the yeah. Yeah. See, I used half of it for for my surgery. Yeah. And how much do you have left at the moment? I think there's 40 I think it was 43,000. K. But look. It it might be worthwhile having a look at the numbers and just making sure that it's it it is beneficial because there are Well, grouping I sent all discount. that information to Madison. She wanted me to I got it all from rest and send it all to her.","start_word":5509,"end_word":5625,"sentiment":"neutral","sentiment_score":0.07629094731349212},{"text":"Beautiful. That's exactly what I need.","start_word":5626,"end_word":5631,"sentiment":"positive","sentiment_score":0.7024858593940735},{"text":"So what what I will do is essentially go to work. I'll take that information, go to the market, and use my software, use my research, and look at absolutely every fund out there. We've got this tool called xPlan. And Yep. because we've run our own license, we can look at every fund under under the sun. It doesn't bother us. So I'll Mhmm. find out if there is a cheaper one. And if it's so, then does it get you a better return? That's Yep. pretty much the aim of the game. Not a problem. Also notice that you got insurances. Do you have insurances inside your rest coupon? Yes. Why do you have insurances? I don't know. I never that just came with the Superfund, I think. K. Well, you're paying for them from the super fund. Oh, okay. Well, I don't really Yeah. need them, do I? Correct. So insurances, you you're essentially what we call self insured. But insurances are very it's a personalized kind of thing. Yeah. So it's just got a lot to do with culture. Indian people and African Africans Zimbabwe and South Africans. South Africans love insurance. They want all the insurance in the world to pay I don't know why I hate insurance. It's a it's a necessary evil. The whole purpose of it is to essentially cover your needs because you don't coverage yourself. And the best Yes. outcome is nothing happens. Like you. Essentially, nothing happened. Alright? And to be able to make a life or, thankfully, a life or a TPD claim. So all the premiums you've been paying per annum, and I'll find out what those are and let you know. But all those premiums that you've been paying per annum, are you super to an insurance company?","start_word":5632,"end_word":5933,"sentiment":"neutral","sentiment_score":0.0557176349869627},{"text":"You're not gonna get a refund of them if you don't claim on that.","start_word":5934,"end_word":5947,"sentiment":"negative","sentiment_score":-0.36687055230140686},{"text":"Okay.","start_word":5948,"end_word":5948,"sentiment":"neutral","sentiment_score":-0.18918709456920624},{"text":"So it's the worst yeah. It's the worst financial decision you can probably have.","start_word":5949,"end_word":5962,"sentiment":"negative","sentiment_score":-0.6062583923339844},{"text":"But in saying that, if you if something did go wrong along the way, let's say when you're 45, 50 years old, something did go wrong, you wanna make sure that you're covered and you wanna make sure that you're covered for enough, which is not Yep. leaving behind any debts for your family. You don't have any debts, so what's the point in paying a premium for it? Well, that's true. Right. So I'll probably be looking at recommending canceling notes if that's alright. That's fine. As I said, hey. Because I just as I said, like, I've had this rest for, like, years. So it's just I think they just said, you know, do you want that? I was just like, yeah. Okay. Whatever you think I should have. That's what I was doing with them. I just Yeah. 1993 is when SIP came out. Did you have did. any different employments? Or Do I or did I? did you say between 1993 until now? Did you only work for cashes? Or was there other employment, No. other I worked roles? at other ones, but I was always at rest. I was always in rest. Okay. 44 and you've worked since 1993? Improve '84. Yeah. About then. Okay. I would assume that you would have more than even a half, like, to double your balance. You should have more than a $100,000. Actually, I didn't actually, I didn't have soup because super when did super come in? 1993. This is fact. Okay. 1993. So okay. Maybe no. I wasn't actually because I've got no. Sorry. No. Because yeah. Yeah. I So was. let's let's just say, what was your normal wage when you're working at Abigail? Shit. Back then, I would never cruise. Wasn't much. Would you would you say just on the average every year would be about $5,060,000? Or Not not back then when I was working. yeah. In today's dollars. So would you say it would be somewhere around the I don't know. Let's say $40,000 on average. Probably would have been. But see, you gotta think when I was when back in those at that day, I was only doing part time because I I had the two kids on my own. So I wasn't working Yeah. Yeah. No. I understand. But no full matter time. what, since 1993 in the superannuation industry scheme, that's just a hackathon. When that came up, employers have to pay. If you were a PAYG employee, they have to pay the super guarantee contribution. So Until I moved up here, I was actually doing down in Sydney, I was actually doing cash in hand. Oh, nice. Okay. How long were you doing cash in hand for? I would have been well, I moved up here in well, I moved up here in 2000. So from 1994, I would have been doing cash in hand for about four or five years. Because I was only doing part time and I was doing cash in hand. I was in so I wasn't paying super. Okay. So that's alright. So when you start when was the year what year did you start being employed? When I moved up here, so it would have been in 2001. 2001. So would it be fair to say twenty five years? You've been on about, on average, 30 to 40,000 a year? Probably. Yep. K. So if you're on 40,000 a year at 9% because that's what it started at, now it's 12%.","start_word":5963,"end_word":6550,"sentiment":"neutral","sentiment_score":-0.08236661234072276},{"text":"Unfortunately, 9% benefit of the doubt, that's $3,600 that was would have been contributed to your super fund every year.","start_word":6551,"end_word":6570,"sentiment":"negative","sentiment_score":-0.4849814474582672},{"text":"Right? Now if I times that by twenty five years, that's $90,000 just just by way of cash. Right? That's Yep. without twenty five years of compounding return.","start_word":6571,"end_word":6598,"sentiment":"neutral","sentiment_score":-0.1956855207681656},{"text":"So I would be very surprised if there isn't money line with the ATO or something like that.","start_word":6599,"end_word":6616,"sentiment":"negative","sentiment_score":-0.3585917353630066},{"text":"So what I'm gonna do is get you to sign what's called a a lost super authority. I'm gonna submit that with the ATO, and it takes about three to six months because they just the ATO are the Mhmm. ATO. Mhmm. And they will come back with any sort of lost cheaper that you have. Yep. You you'll be surprised. You know, a lot of clients say that they kept everything in the same place, and I literally found, what, three three, four, maybe maybe two months ago now, we found Oh, 200 okay. and 1,000 we found $201,000 sitting with the ATO for for a client. I don't know. I thought I was just a business, but maybe I wasn't. I don't know. Maybe. But we'll find that out for you. Yeah.","start_word":6617,"end_word":6750,"sentiment":"neutral","sentiment_score":-0.058004073798656464},{"text":"It's fine with service. Beautiful.","start_word":6751,"end_word":6755,"sentiment":"positive","sentiment_score":0.4827198386192322},{"text":"Alright. So if you wanna go on to the email I sent you for the initial Uh-huh. complimentary consultation. Okay. Let me just open up my tablet. Yeah. No. By the way, Kylie and I are I don't know if you're speaking spoken to her, but we're we're we're in a lot better place, which is nice. That is Yeah. Vulnerable moments from past traumas from both ends, I think. Mhmm. So okay. So you you sent it to me? Yep. Send the email forty seven minutes ago. Maybe go to your junk or spam or Yeah. I did look let me look on my phone. Because sometimes it comes on my phone and not my tablet. I don't know why I thought it does sometimes. okay. Surely somewhere out there and eat the webs, the the sky, the the space. And just to confirm, is it margaret dot dod, m a r g a r e t, dot dod, d o w d, nineteen Yes. 51@hotmail.com? That's it. Oh, here we K. go. It was in spam. So it comes through on my phone, but it's not on my tablet. Oh, No. That's no. right. It's on my As long as it's alright. It's on my tablet now. alright. So what I want you to do is open up the first document. The first attachment is called the o p services guide. Okay. That's why I'm forced to load. Drive. You got the wheel of death? Okay. So this one Alright. You Yes. should be looking at the front page, which is the I have a picture of the Gold Coast and I'll say IT Financial Yep. Services Guide You by got the end that? of the little bit. You Yep. got that? Yep.","start_word":6756,"end_word":7050,"sentiment":"neutral","sentiment_score":-0.011854845393149151},{"text":"Beautiful.","start_word":7051,"end_word":7051,"sentiment":"positive","sentiment_score":0.5101895332336426},{"text":"So this is essentially a breakdown of who we are, what we do, why we started, and a bit of a process. I'll fly through this because it's you're already at the end of the process. But Mhmm. the more important documents, the financial services guide itself, which is the compliance factor. And I'll spend some more time on that, but this is us. We are OTP Financial. Alright.","start_word":7052,"end_word":7120,"sentiment":"neutral","sentiment_score":0.08957470208406448},{"text":"Thank you for reaching out. I'm glad we did a good enough job for Darren to refer our own partners.","start_word":7121,"end_word":7140,"sentiment":"positive","sentiment_score":0.5999801754951477},{"text":"Yep. Essentially, it was just I don't know if you know the story, but yeah. But my business partner, Bart and I, we took on an angel investment loan in the hundreds of thousands and we started the company in heaps of debt with zero clients in the garage in Pimpama about a decade ago, like ten years ago, nine, ten years ago. Yep. And somehow dragged ourselves through, you know, all sorts of real and for things to make it work. And we eventually started it all of this when the Hainville Commission came out into banking and finance. Alright. And we got yeah. Do you remember that? Did you see that or see it on the news? Do you remember that banking and financial commission? Yep. Yeah.","start_word":7141,"end_word":7269,"sentiment":"neutral","sentiment_score":0.0011720379116013646},{"text":"So a lot of people doing bad things, like, charging the fees to states that shouldn't just kept insurance policy and charge fees on it and all sorts of gross stuff.","start_word":7270,"end_word":7300,"sentiment":"negative","sentiment_score":-0.35425254702568054},{"text":"So I'm glad that it's a good thing that they did it because there are a few of us that are trying to do the right thing.","start_word":7301,"end_word":7327,"sentiment":"positive","sentiment_score":0.6987133026123047},{"text":"And, you know, just as everyone suspected, do anything of financial planners or asset managers? You don't really think trust is not the first thing that comes to mind, It's fair enough. But there are a few of us that are trying to do the right thing.","start_word":7328,"end_word":7374,"sentiment":"neutral","sentiment_score":0.0793900340795517},{"text":"So we started the vision, the Oaktree Financial, that garage of the vision of being the most trusted financial planning firm in Australia. I'm trying to instill the trust back into, you know, fairly stringent and regulated industry throughout the whole world.","start_word":7375,"end_word":7416,"sentiment":"positive","sentiment_score":0.3530975878238678},{"text":"And there's our core mission and core values, little bit of a blurb. You're welcome to read that if you're struggling to sleep throughout your life, but we'll stop you out pretty quick. But the next next page is number two, but page three page I'm gonna just say that page number the bottom. So page two is the wealth cycle. This is what you've already done. And now Alright. you are in the blooming stage. So Okay. everything we everything we do is pretty corny, like, we're we're in the end of the day. So, you know, if we oak view, oak tree, it's yeah. We do the the stages in line with that. Like, nature is you'll find a lot of it along the way. But Yep. you can find a spot of the seedling with no real growth plan or strategy or direction knowing what to do. So we set them up with, you know, growing wealth for retirement, but also protecting them in case something goes wrong, which is super insurance. Afterwards, we start looking at taking up foundations, creating relationships with client's money, and getting them a nondeductible appreciating asset like that, which is what you've already done. Mhmm. Then after that, we start if you wanna really build wealth, you start utilizing the OPM, other people's money. Your your agent stage in Northern graphic right now does not accommodate the leveraging and gearing at all. Because if you borrow money, it's called OPM, the other people's Yep. money. You know, you don't wanna borrow to invest in shares or anything anytime soon because if the market goes down, you will yeah. You will not have enough time frame time horizon to be able Yes. to make it happen. So we don't wanna we don't wanna do that. No. So, yeah, that means that you've already done all those stages. Now you're sitting in the blooming stage and you're speaking to somebody like myself to try and work out the best way to hang up the boots and retire in style in that seating stage. And when you Mhmm. decide to, you know, call it a day completely and Yep. move on, then, you know, fall off your perch, if you would, then, you know, what's the succession plan? What does that look like? What are we gonna do then?","start_word":7417,"end_word":7811,"sentiment":"neutral","sentiment_score":0.04277274045574514},{"text":"We do all that for you as well.","start_word":7812,"end_word":7819,"sentiment":"positive","sentiment_score":0.41457730531692505},{"text":"Maria. K? Yeah. But right now, let's focus on the blooming stage where your GTR strategy is in place for both of you because your balance doing it. It doesn't really Mhmm. make sense for yourself. You don't have, you know, you don't really need any complex cost structures or anything like that because you don't have that you don't have investment property, factories, and stuff. Mhmm. You don't I wouldn't be recommending a self managed coupon because it's too expensive. But social security strategies. So we're gonna do your super and insurances, and we're gonna start looking at social security when you get to the age of 67. Yep. Try and get as much of the tax money you paid throughout your life back. Mhmm. That'll be good. That's that's the plan. So if you do somehow enough for record, if you do if you do end up, say, having more than the asset test, it's there might be, I don't know, room for to withdraw those funds from super, let's say, complete the tax fee, and use it for a renovation on your house. You know? And maybe you wanna do the kitchen up or something like that that'll cost Yes. just Mhmm. as much or preferably a dollar more than what the asset has been, that $4.25 425,000 or so Mhmm. so that you can do up your house because your primary place of residence in your home is exempt. So we can look at strategies like that. But right now, let's just focus on the foundation. After that, there's our experienced team. There's obviously a very airbrush picture of myself in there. I got, as you know, more city miles. There's a story about us, what I just explained. There's all my degrees and all the bits and pieces and little blurb about how awesome I am. I'm not gonna go through it. And then pretty much the same thing for everyone else in Yep. the team just to show depth of company and show that we're not a one man band. Yep. K. Darren's being the opposite, he can tell you. So if I'm not available and you do come along as a client, we show benefit to you, and I'm not available, I'm not there, then there's always gonna be somebody to help you out. K? Yep.","start_word":7820,"end_word":8212,"sentiment":"neutral","sentiment_score":0.01961747330848042},{"text":"Beautiful.","start_word":8213,"end_word":8213,"sentiment":"positive","sentiment_score":0.3586747646331787},{"text":"Outside of that, all the rest is pretty much compliance and boring stuff. You know, regulatory guide 38. We've got a a common law for district duty to protect your information. We've got huge PI insurance, so and intellectual property stuff. We've got cyber security insurance, all the rest of it. Everything you need, we need, and how to get in contact with us. The last couple pages is Mhmm. just a network of the other professionals that we don't provide the service for to clients. Stuff like mortgage broker, accounting, Yep. and legal. That's just a network of individuals that I like the way they work. And, you know, there's nothing worse than referring the clients on that side. A great experience with OP, let's say, and we refer them on to a new partner, and they drop the ball. Just make up for that. Right? Yes. Sure. So for that reason, I created this thing called OBA, a proud collaboration of expertise, and those are the partnering groups. So QCA, Accountants, Gold Coast Wealth Mortgage Brokers, Finance Industries Australia is more along the, like, commercial lending side. And then you've got Cape Fear and Associates and then Gold Coast accounting. So pretty much any normal basis, we Mhmm. we don't get any referral fees from that at all because we run our own license, our own agents. So I'll explain that to you in a second. But, Yep.","start_word":8214,"end_word":8453,"sentiment":"neutral","sentiment_score":0.09520045823107164},{"text":"yeah, that's just a little bit more about that network and how we provide extra service to clients.","start_word":8454,"end_word":8471,"sentiment":"positive","sentiment_score":0.3642317056655884},{"text":"That Yep. do you have any questions? No. So next document, next attachment is our actual financial services guide. Like I said, this is a compliance stuff, so I applied through it and try and make it as painless as possible. But are you looking at that financial FSG now? Yeah. I'm on that page.","start_word":8472,"end_word":8526,"sentiment":"neutral","sentiment_score":0.13182663917541504},{"text":"Or perfect.","start_word":8527,"end_word":8528,"sentiment":"positive","sentiment_score":0.35369473695755005},{"text":"So number one, we'll go through step by step. Number one, the purpose of this financial services guide or FSG, we call it, is to provide you with as much information as possible. And if something goes wrong or if all the services we provide, who the license is under, and what that license entails. Okay? And also Mhmm. if there's any conflicts of interest in how to make complaint if you want to. Secondly, here we are, we are IP Financial. We run our own Australian financial services license, which is directly under ASIC. ASIC is the Australian Securities Investment Commission. They award us a number. We Bob and I were actually the second youngest firm in the country. Yeah. Oh, wow. We have to be able to run Naperville because of our experience. ASIC declined us first. But, yeah, they called us back about four months or so later and actually ordered us an AFSO, which quite quite feel quite privileged. But that yeah. There you go. So that AFSO number for IP Financial, the company is 513068, and we are essentially responsible for all of them taking some financial advice under that Mhmm. license. So lack of independence, we can't say we're independent, we won't bias, or impartial because technically, ASIC has rules rules over us, rulings over us.","start_word":8529,"end_word":8750,"sentiment":"neutral","sentiment_score":0.025125155225396156},{"text":"It's a really stupid law that we have to include. It's just obviously, it's it's section nine two three a of the Corporations Act. Very short.","start_word":8751,"end_word":8776,"sentiment":"negative","sentiment_score":-0.5576595664024353},{"text":"Yep. Nine two three a of the Courts Act. It's it's it's it's one of those legislations that are enforced and made up by, you know, politicians that have never worked in the industry before. So Mhmm. there's something we need to put in there, but, essentially, we even though we run our own license and make all the rules ourselves, we can recommend anything on the planet because the asset has final say over us. We can't recall ourselves independence. Yeah. That's Okay. the only thing that that means. Mhmm. Now the services we provide, we provide everything. If you think along with financial scope, you think of money, think of us. We can give you recommendations on it outside of mortgage broking and accounting. I am a register I am I'm qualified to be an accountant. I'm technically a registered taxation financial adviser, which is the exact same qualifications as an accountant, but I am not registered with the tax practitioners board.","start_word":8777,"end_word":8940,"sentiment":"neutral","sentiment_score":-0.016292348504066467},{"text":"Reason for that is because I couldn't think of anything worse than being an accountant.","start_word":8941,"end_word":8955,"sentiment":"negative","sentiment_score":-0.3962976336479187},{"text":"So I Sure. can give advice on tax.","start_word":8956,"end_word":8963,"sentiment":"neutral","sentiment_score":-0.13814453780651093},{"text":"I just don't do tax returns because I don't get paid enough, and it's just really a horrible thing to do. It We would need people be. to do that.","start_word":8964,"end_word":8993,"sentiment":"negative","sentiment_score":-0.5510474443435669},{"text":"Yeah. Correct. So I thought it worked out a way to still use what I know, but in the client's best interest, not the ATO's best interest because nobody likes the ATO. Definitely not. So there's a little bit more about what we can provide advice about. This is how we're going through this process, grabbing your initial client contact, so that's us talking now. In a couple weeks, we'll go through a recommendation through a statement of advice, give you an idea about the tracking for and if we can help you. In any way, From there, you'll give us consent to proceed, the ATP authority to proceed. And then just like that, we'll just get to work, influence everything, let you know in a step. Not a problem. And we'll review every year. And after that, there is the fees. We are professional service, and we do charge a professional service fee. I gave Mhmm. Darren the free, but the house that is leveraged against is yours too. So what do you deem is reasonable from a fee perspective? I don't Because know. What do you know me? Touch paper. well, what we do is we charge a four that that table at number four So for the superannuation insurance advice, we do a complimentary consultation or letter of engagement to get the SOA or statement of advice started. You probably Mhmm. saw the statement of advice for Darren. That's very that's a lot of work that goes into that. Yep. Well, it's not I mean, everything else. But looking at your agent stage, I'll keep you in the roots bracket. So that's gonna be the the the start of the SOA is no charge. But if you were to do some more complex strategies like margin lending, gearing, leveraging, that's $2,200 to get the plan started. And then once we implement it, we charge $4,950 out of your out of your balance or whatever the funds we manage. So you're super, essentially. I would I would say that I'd be comfortable with more than halving it, say, 3,200. Would you be happy with that for an upfront fee? Yep.","start_word":8994,"end_word":9355,"sentiment":"neutral","sentiment_score":0.06641129877685842},{"text":"That's fine. Cool.","start_word":9356,"end_word":9358,"sentiment":"positive","sentiment_score":0.3603859543800354},{"text":"So I bring that down with the SOA just just to make sure that covers my plan and all the SOA and get pair Yep. of No. line and That's everything. yep.","start_word":9359,"end_word":9390,"sentiment":"neutral","sentiment_score":0.15218228101730347},{"text":"Beautiful.","start_word":9391,"end_word":9391,"sentiment":"positive","sentiment_score":0.46700650453567505},{"text":"Mhmm. And just so you're aware, we do do a couple discounts of rates. Darren's already on that. Usually, we charge 1.65% for your kind of balances. But as you can see the ongoing service fee on the couple's side, Yep. when you combine balances between 200 and 500,000, we charge 1.1% charge. And whereas if it's an individual, we charge 1.375. Yes. Yep. So we're gonna charge you both 1.1% until you get over $500,000, and then it'll drop again. K? Okay. No worries.","start_word":9392,"end_word":9476,"sentiment":"neutral","sentiment_score":0.07741683809196248},{"text":"Beautiful.","start_word":9477,"end_word":9477,"sentiment":"positive","sentiment_score":0.6404876708984375},{"text":"We get a 100% of the revenue first of the ASR, but if anybody's Mhmm. licensed underneath us, we have to pay them whatever we agree to. But we've got no one underneath us. We are solely we're just Yep. a sole practice. The last main important thing is complaints. The number 11. Very bottom. What happens if I run away with your money and drink and I go to Paris and I I start know where drinking you live. cocktails? You know where I live exactly? You but I won't be here because I'll be in The Bahamas drinking the vena I coladas. would know about Right? you'll be taking my daughter and grandson. Exactly. So oh, no. Every wherever you are, I will find you. You will find me So and you can't you will run away break. from me at all. That's right.","start_word":9478,"end_word":9623,"sentiment":"neutral","sentiment_score":-0.05897079035639763},{"text":"I don't intend to.","start_word":9624,"end_word":9627,"sentiment":"negative","sentiment_score":-0.36451488733291626},{"text":"I haven't done it in ten years, and we are still within our three, five claims in a decade. Complaints, formal complaints, was for the external EIDI. What's it say? You can So run, but you can't hide. correct. No. I'm I'm not that quick at running and there's nothing inside. So thanks for that for that. But yeah. There's so if you do have a complaint, you know, something like that does happen or you just you just pissed off about something, we're pretty reasonable people. Like, you can call Yep. the compliance manager, what's called an IDR, an internal dispute resolution. Mhmm. IDR means you get in touch Yep. with the compliance manager, which is me. But you wouldn't wanna speak to me. So for that reason, Bart's the compliance manager as well. I hadn't seen you well, you can speak to them. We've managed to settle every discrepancy along the way except for, like, two or something because they just got dropped anyway.","start_word":9628,"end_word":9793,"sentiment":"neutral","sentiment_score":-0.12350484728813171},{"text":"They were dumb.","start_word":9794,"end_word":9796,"sentiment":"negative","sentiment_score":-0.7375929355621338},{"text":"Yep. But if for some reason Bart tells you to get stuff and go away, then you can always go to what's called an EBR, an external dispute resolution. Mhmm. And that means that you get in touch with ATCO, the Australian Financial Complaints Authority, and all their details Yep. are there as well. And they are like give the watch so that they they come down on us pretty hard. And we are essentially at that point, we are guilty until proven innocent. Alright? So Yep. so I'd definitely see it just because, like I said, we're still within the first five free claims. But, yeah, it's a lot easier just dealing with us, no problem. Yes.","start_word":9797,"end_word":9914,"sentiment":"neutral","sentiment_score":0.03033109716439651},{"text":"Perfect. So that'll make sense.","start_word":9915,"end_word":9919,"sentiment":"positive","sentiment_score":0.4305795133113861},{"text":"Do you have any questions or concerns? Not at all.","start_word":9920,"end_word":9929,"sentiment":"neutral","sentiment_score":0.09688682854175568},{"text":"Beautiful.","start_word":9930,"end_word":9930,"sentiment":"positive","sentiment_score":0.360135018825531},{"text":"Now I'm gonna run through a quick back point and then a risk profile. And after that, we are done. Not a problem. Beautiful. Let me just find your file. There you are. Manning. I'm a manning. And then we search. Background. Okay. Let me just wait for this to open. I'll confirm some details. You don't have a middle name, do you? Nope. That's an easy. I'm like myself.","start_word":9931,"end_word":10000,"sentiment":"neutral","sentiment_score":0.05912519618868828},{"text":"For some reason, my parents just thought it would be a great idea to torture me.","start_word":10001,"end_word":10016,"sentiment":"negative","sentiment_score":-0.4255121648311615},{"text":"No. I don't have a middle name.","start_word":10017,"end_word":10023,"sentiment":"neutral","sentiment_score":-0.3179405629634857},{"text":"My parents couldn't afford one.","start_word":10024,"end_word":10028,"sentiment":"negative","sentiment_score":-0.35768648982048035},{"text":"That's what I tell people. I don't think it works that way. I know. But I just tell people that anyway. Yeah. Fair enough. Okay. Yeah. Maybe you can do the best of people along the way. So, It's so funny. My whole life people go, what's your name? You say your name and I go, do yeah. you have a middle name? No. I don't. Oh, you really don't? No. Yeah. I saw something as as well. Was it Macquarie is your is Maiden your name? Yes. yeah, I didn't know that. There you go. Alright. I've got the majority of your assets. I've got your private place resident and your motor vehicle. That's his work. Yep. Mine. Mine is g w m Mhmm. Jolene oh, what is it?","start_word":10029,"end_word":10158,"sentiment":"neutral","sentiment_score":-0.018781527876853943},{"text":"It's a oh, fuck.","start_word":10159,"end_word":10162,"sentiment":"negative","sentiment_score":-0.4858863651752472},{"text":"Yeah. Forget what I keep forgetting what it's called. No. That's alright. Just what's it worth and what's the debt Oh, value? what's it? Sorry. 30 was it 38,000, I think it is? Okay. So the account's in it. No loan on it? No. No. We're getting both our cars out right. Perfect. And the cash in the bank is 177,010. Hundred and 77,000. Yeah.","start_word":10163,"end_word":10227,"sentiment":"neutral","sentiment_score":-0.05451442673802376},{"text":"Beautiful.","start_word":10228,"end_word":10228,"sentiment":"positive","sentiment_score":0.4718357920646667},{"text":"Alright. Now I'm gonna ask you some questions in regard in regards to your risk profile. Like I said, Mhmm. these questions, yeah, I need to know your tolerance and capacity, your risk. I know your time right and know what you wanna achieve, but I just need to get more of a sense of what kind of what kind of risk financial risk taker you are. Okay? So Mhmm. on that note, we'll start off. Some of these questions are very dumb because they are created by the government. So I have to bother them, but I'll answer those ones for you because, yeah, they're just pretty stupid as well when I get there. But first question, starting off, how would you rate your willingness to take financial risk? Could you say that you're a very high risk taker, high risk taker, average risk taker, or low risk taker? Sorry. What was that again? Where what how would you like to rate your willingness to take financial risk at your current agent stage in mind? So would you say that you're, one, a very high risk taker, two, a high risk taker, three, an average risk taker, or four, a low risk taker? Maybe average. Average. Beautiful. And how familiar are you with investment markets? Would you say that you Not are at comfortable all. or not at all? Not familiar with investing. That's so good. And what's the most aggressive investments you've ever made? Have you ever bought direct shares personally? Or No. I don't think okay. we've had an investment property.","start_word":10229,"end_word":10492,"sentiment":"neutral","sentiment_score":-0.05447666719555855},{"text":"That's perfect. That's exactly what I need to know. Beautiful.","start_word":10493,"end_word":10502,"sentiment":"positive","sentiment_score":0.5850032567977905},{"text":"And the next question that I already know the answer to is once the investments have been placed in force, how long before you need access or you want to access your capital? That's why we've got the age 67. Right? So I'm Yep. gonna say Mhmm. between two to three years. Beautiful. Now volatility. These are important. Yep. So investments can go up and down in value over time. It's called volatility. How much could your let's say you invest your super with us. How much could your superannuation drop and fall in value by before you start feeling concerned and anxious? K? How much can it fall by? So one, more than 50%. Two, up to 50%. Three, up to 25%. Or four, up to 10%. Probably up to 25%. Okay. Good. And what based on that answer, what happens if, let's say, in six months after investing your funds plus, you find out that obviously in line with general trends with the market, so some sort of collapse, your portfolio has decreased by 20%. So that's then your portfolio essentially drops by what you go for. So about $10,000. You lose 10 Mhmm. thousand dollars in your portfolio, it's now sitting at 30,000 after six months. What would you do? Would you, one, invest heavily for future growth? Two, invest modestly for future growth? Three, hold and wait improvement? Or four, shift to more secure assets and tell me to get stuff? Oh, I don't know. What do you reckon I should do? Probably hold and wait and prove them up just while speaking to your professional, your financial Oh, professional? sure. Yeah. No. This is a very dumb question, but I'm gonna ask it anyway. So what kind of return and percentage do you want do you expect to achieve over the longer term? More than 8%? Between six and eight percent? Between 46%? Or just tracking the cash? I'd say 8%. You're on the highest. Right? Yeah. I assume so. I don't even know why that question is there. Exactly.","start_word":10503,"end_word":10847,"sentiment":"neutral","sentiment_score":-0.046709757298231125},{"text":"That's a dumb question, like you said.","start_word":10848,"end_word":10854,"sentiment":"negative","sentiment_score":-0.36762771010398865},{"text":"Alright. Alright. Last couple of questions. Have you thought about ever taking out a loan to invest? One, you borrowed or open to borrowing money for stocks and funds and manage funds and shares? Or or two, you have borrowed or open to borrowing for an investment property? Is that, You like, for now? Yeah. No. Just in the past, have you ever borrowed money to invest in a share portfolio? I don't borrow money to do an investment property. Yep.","start_word":10855,"end_word":10935,"sentiment":"neutral","sentiment_score":-0.013693652046775376},{"text":"Perfect. That's the answer I need.","start_word":10936,"end_word":10941,"sentiment":"positive","sentiment_score":0.4584556519985199},{"text":"Okay. And then based on that question, Regal, thinking about the way you answered it, how would taking out a loan right now to invest in in the assets make you feel? Would you say that you're very comfortable and happy to do so? Would you say that you're somewhat comfortable because you're causing up risks? Would you say that you're careful with borrowing and understand that it can be very risky? Or would you say extremely worried due to significant risks and will never consider doing it doing? I would never think about that one. You've been for me along the way. Okay. Okay. Would you like to know what kind of investments and what kind of invested you are? Yes. Let me know. Alright. Go more, please. So you are what we call a balanced investor. So pretty much on the on the most conservative side of investing there is. I am going to bump you I'm gonna leave you there, actually. So I've got capacity in my my in my profession. I've got capacity to for my experience to move you up or down one risk profile. I can if you wanted better return at above 8%, obviously, more risk than higher return, but also high volatility and longer time. Right? If you're looking at a two to three year time horizon or two year time horizon, then you should be looking at a very defensive portfolio. So if you're comfortable with that for a lower return in case the markets do change for the worst, I can put you in a very standard kind of tracking defensive portfolio. But if you did wanna make things a little bit pricier, I could I would be comfortable bumping you up to a balanced growth portfolio and doing a little bit more active management than usual. And just making sure that you know, if the market does drop, we sell cash and things like that. That I don't understand what you mean by that. Okay. So if you are invested in shares, your $40,000 is invested in shares, and The US market collapses. Yep. GFC two point o fell 61, right, over a year and a half. If you invested a 100% in bonds, you would not have been affected by that. If you invested Okay. a 100% in shares, you would have lost 61% of your money. Okay. So what I wanna try and do is make it like a fifty fifty kind of approach, like 50% of yours or 20,000 in shares and another 20,000 in high interest, like bonds and things like that. So Yep. that you get you get income, but you're also a little bit defensive because if we put you in a high growth or risky portfolio, all shares, and the market drops tomorrow, Okay. and GFC two point o happens in the next year and a half, you've only got six months to make that 51% back, which is not enough time. Yep. K? So I would be encouraging maybe a balanced growth portfolio. What that looks like is about 60% invested into the market around the world and another 40% invested into defensive assets. Is that Darren? what you recommend? Yeah. That's what I recommend. I'll do that then.","start_word":10942,"end_word":11489,"sentiment":"neutral","sentiment_score":0.02143480528798634},{"text":"Good. If that's what you recommend, we'll do what you said. Beautiful.","start_word":11490,"end_word":11501,"sentiment":"positive","sentiment_score":0.39088770747184753},{"text":"Hey, well, don't don't get too overzealous just yet. I'm gonna see it work for us. Okay.","start_word":11502,"end_word":11518,"sentiment":"neutral","sentiment_score":0.19355818629264832},{"text":"Perfect.","start_word":11519,"end_word":11519,"sentiment":"positive","sentiment_score":0.4675260782241822},{"text":"And look, that pretty much sums up. So when is a good time for me to get back in touch? Probably not next week. I'm fully booked. But the week after, I'm currently in Melbourne. Well, I work on Tuesday, Thursday, Saturday. So if you wanna do Monday, Wednesday, Friday, any of those days, because that way, I'm at home. I don't really do Wednesday. Did you wanna come into the office? Or Yes. You want me to come into the office so I can do that? Yeah.","start_word":11520,"end_word":11607,"sentiment":"neutral","sentiment_score":0.04453488811850548},{"text":"It makes our life a lot easier as well because we found all Yep. the printers. We got every scan and everything there. And we can, like, actually sit down and go through it, and you can be in the boardroom and all the rest of it.","start_word":11608,"end_word":11654,"sentiment":"positive","sentiment_score":0.5456668734550476},{"text":"Yep. Alright. I will shoot you through a calendar invite. So accept that when you're ready. And, Yep. yeah, I'll also shoot you you've already provided all your documents, haven't you? From rest. Yeah. For rest. Yeah. I got the yeah. Madison. I got them all and sent them to Madison. I thought she Amazing. would have given them to you because I thought she said she was gonna give them to you. Yeah. No. I've had a look through them. They are saved in the file. I was just hoping that all of it was there. So I did that. Yeah. And the rest gave you a full full consolidated rundown. Correct? Yeah. I was Madison told me what I had to ask them, and I asked them every question in the charts, and I wrote down everything they said. Yeah. And I emailed them all to Amazing. Amazing. And did you mail did her. you email just in writing, or was it an actual statement? No. It's just an email in writing. Okay. Is there any way that you can grab a statement? Wrist won't do a statement because I asked them that, and they said all they can do is tell me over the phone. I don't know when they send their statements out.","start_word":11655,"end_word":11871,"sentiment":"neutral","sentiment_score":0.0001792911789380014},{"text":"I actually, I don't think I can get statements from Wrist.","start_word":11872,"end_word":11882,"sentiment":"negative","sentiment_score":-0.3370923399925232},{"text":"Wow. Okay. Right. We're gonna get you out of rest because, yeah, you it's your money that you've Because worked when I really asked hard so when for. I asked her about it, and I said, oh, can you email them to me? She said, we can't email them. She said, I can tell you over the phone. I went, oh, okay.","start_word":11883,"end_word":11944,"sentiment":"neutral","sentiment_score":-0.10456257313489914},{"text":"So I had to sit there That's and write not everything down that she that's was not telling really me. everything she just said is not right.","start_word":11945,"end_word":11971,"sentiment":"negative","sentiment_score":-0.3915049135684967},{"text":"Yeah. Yeah. It's it's your money.","start_word":11972,"end_word":11977,"sentiment":"neutral","sentiment_score":-0.23830799758434296},{"text":"It's your superannuation. And they're the you're the customer. And they're the product. They should be able to provide you for tax purposes, a statement whenever you like.","start_word":11978,"end_word":12005,"sentiment":"positive","sentiment_score":0.41384389996528625},{"text":"Yep. Well, as I said, I asked her and she went, I can only tell you over the phone. So I said when she was telling me that Madison sent me a list of what I had to ask her. So I was asking her that and as she was telling me, I was writing it down and then I sent that to Madison in a in an email. No. That's it. I think just just for compliance, but because I need to make sure that I've got some sort of edited backing. K. Yep. So don't stress too hard about it. I'll if we do need something, like, I'm gonna ask for your IDs and your TFA and stuff like that in email. So if you can get that through to us, if you haven't already, that'll be great.","start_word":12006,"end_word":12145,"sentiment":"neutral","sentiment_score":0.0781809613108635},{"text":"But other than that, thank you for your time, and No worries.","start_word":12146,"end_word":12157,"sentiment":"positive","sentiment_score":0.35901549458503723},{"text":"that concludes your complimentary initial consultation. How do I do it? Out of Very time.","start_word":12158,"end_word":12172,"sentiment":"neutral","sentiment_score":0.1947207152843475},{"text":"good. Beautiful.","start_word":12173,"end_word":12174,"sentiment":"positive","sentiment_score":0.5708515644073486},{"text":"I've So done what it I'll do a few times. is so I'll see you next Wednesday. No. The week after. The week after. Yep. That's it. Whichever, Correct. just let me know, yep, when it is, and I'll be there.","start_word":12175,"end_word":12215,"sentiment":"neutral","sentiment_score":0.1641722023487091},{"text":"Beautiful. I'll send you a calendar invite now to the Margaret Manning email at Hotmail, and you should receive that shortly.","start_word":12216,"end_word":12236,"sentiment":"positive","sentiment_score":0.42097902297973633},{"text":"And yeah. What?","start_word":12237,"end_word":12239,"sentiment":"neutral","sentiment_score":0.21328715980052948},{"text":"Thank you for your time. Let's get to work.","start_word":12240,"end_word":12248,"sentiment":"positive","sentiment_score":0.5477774143218994},{"text":"No worries.","start_word":12249,"end_word":12250,"sentiment":"neutral","sentiment_score":0.3306744396686554},{"text":"Thanks, Debbie. See you.","start_word":12251,"end_word":12254,"sentiment":"positive","sentiment_score":0.5756500363349915},{"text":"Bye. Okay. Bye.","start_word":12255,"end_word":12257,"sentiment":"neutral","sentiment_score":0.23483580350875857}],"average":{"sentiment":"neutral","sentiment_score":0.04298277606146755}}}}